Company: CIB
Filing Date: 2025-08-06
Form Type: 6-K
Source: 0002058897-25-000029
Chunk: 17

Company: Grupo Cibest S.A.
Filing Date: 2025-08-06
Form: 6-K
Chunk 17
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 by weaker demand in credit cards and unsecured personal loan products. In contrast, the commercial portfolio posted slight growth. On the funding structure side, there was a 2.1% increase, mainly driven by higher time deposits from the corporate segment, while sight deposits decreased.

Banistmo’s net result for the second quarter of 2025 was a profit of COP 99.5 billion, representing a 15.0% increase compared to the previous quarter. Net interest income from the loan portfolio grew, supported by higher returns from both lending and treasury, along with a reduction in interest expenses, mainly due to lower liquidity operation costs. Provision expenses increased this quarter, as there were no significant reversals like those recorded in the previous quarter for mortgage models. Additionally, higher provisions expenses for specific clients. It is worth noting the improved performance of the consumer loan portfolio and the effectiveness of collection strategies.

Operating expenses rose compared to the previous quarter, mainly due to higher impairment charges on assets, attributable to the revaluation of certain properties. To a lesser extent, fees and tax expenses also increased. The net interest margin for 2Q25 stood at 3.49%, quarterly annualized ROE was 8.48%, and the cost of credit was 0.45%.

| 14 |

| 2Q25 |

| STATEMENT OF FINANCIAL POSITION AND INCOME STATEMENT, CONSOLIDATED(1) |     | Quarter |            |     |      |            |     |      |            |     | Change      |     |        |   |     |             |     |           |   |
| (COP million)                                                         |     | 2Q24    |            |     | 1Q25 |            |     | 2Q25 |            |     | 2Q25 / 1Q25 |     |        |   |     | 2Q25 / 2Q24 |     |           |   |
| ASSETS                                                                |     |         |            |     |      |            |     |      |            |     |             |     |        |   |     |             |     |           |   |
| Gross loans                                                           |     |         | 34,234,897 |     |      | 32,661,341 |     |      | 31,686,840 |     |             |     |  -2.98 | % |     |             |     |     -7.44 | % |
| Allowances