Company: CIB
Filing Date: 2025-11-06
Form Type: 6-K
Source: 0002058897-25-000048
Chunk: 6

Company: Grupo Cibest S.A.
Filing Date: 2025-11-06
Form: 6-K
Chunk 6
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 |  56,215,444 |     |        2.01 |     | % |
| Mortgage loans        |     |     28,358,888 |     |        4.23 |     | % |     |       14,581,329 |     |       -4.65 |     | % |     |      3,716,361 |     |       -1.10 |     | % |     |  42,940,217 |     |        1.03 |     | % |
| Small business loans  |     |        982,541 |     |        7.73 |     | % |     |          903,543 |     |       43.26 |     | % |     |        230,287 |     |       48.59 |     | % |     |   1,886,084 |     |       22.25 |     | % |
| Gross loans           |     |    194,405,491 |     |        1.11 |     | % |     |       85,567,132 |     |       -2.22 |     | % |     |     21,808,600 |     |        1.42 |     | % |     | 279,972,623 |     |        0.07 |     | % |

Loan portfolio breakdown by currency and region

#### 1.2. Funding
At the end of 3Q25, customer deposits totaled COP 281,260 billion, representing 85.0% of total liabilities. This balance reflects a decrease of 0.5% compared to 2Q25 and an increase of 8.3% compared to 3Q24.

The quarterly decline is mainly explained by the appreciation of the peso against the dollar; excluding the exchange rate effect, deposits grew 0.7% during the quarter and 10.5% year-over-year. During the quarter, time deposits experienced a decline, mainly due to a reduction in institutional time deposits in Bancolombia S.A.. To a lesser extent, savings accounts also decreased, primarily linked to the corporate segment. On the other hand, checking accounts increased during the quarter, driven by the performance of the corporate segment at Banco Agricola. Long-term debt increased during the quarter due to a bond issuance by Banistmo for USD 75 million.

Regarding the funding mix, sight