Company: CIB
Filing Date: 2025-08-06
Form Type: 6-K
Source: 0002058897-25-000029
Chunk: 16

Company: Grupo Cibest S.A.
Filing Date: 2025-08-06
Form: 6-K
Chunk 16
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.65%                                       |     | 2.58%                 |     | 1.78%                 |

| CONSOLIDATED SOLVENCY RATIO 
 Consolidated (COP millions) |     | Proforma      2Q24 |     | Proforma     1Q25 |            |             | Real              2Q25 |            |             |
| Technical Equity            |     |         24,057,005 |     |                   | 25,805,125 |             |                        | 26,953,192 |             |
| Basic Solvency Ratio        |     |             10.24% |     | 10.56%            |            |             | 10.99%                 |            |             |
| Total Solvency Ratio        |     |             12.55% |     | 13.25%            |            |             | 13.47%                 |            |             |
| Risk-weighted assets        |     |        155,444,116 |     |                   |            | 156,471,474 |                        |            | 161,584,531 |
| Total Market Risk           |     |         14,217,042 |     |                   |            |  16,016,179 |                        |            |  12,452,630 |
| Total Operational Risk      |     |         22,019,038 |     |                   |            |  22,245,364 |                        |            |  26,046,098 |

| 13 |

| 2Q25 |

### BANISTMO- PANAMA
Panama’s economy slowed in 2024 following the closure of the Cobre Panama mine. However, a recovery in Canal activity and tourism helped mitigate the impact. Inflation was negative due to price controls and lower oil costs, but could rebound in the face of ongoing geopolitical tensions. Labor market challenges persist due to layoffs in the mining sector and the potential closure of Chiquita Panama. Additionally, the new government is facing fiscal difficulties caused by low tax collection and rigid expenditures such as the pension system. President Mulino has indicated a willingness to address public finances, though significant obstacles remain.

Banistmo’s loan portfolio closed the quarter with a 0.1% decline (measured in USD). The mortgage and consumer portfolios contracted; in the case of mortgages, this reduction was due to the tightening of origination policies. The consumer portfolio was affected