Company: CIB
Filing Date: 2025-08-15
Form Type: 6-K
Source: 0002058897-25-000035
Chunk: 12

Company: Grupo Cibest S.A.
Filing Date: 2025-08-15
Form: 6-K
Chunk 12
---
 |     | 0 |                 |     | 1,461,011 |           |     | 0 |           |     | 0 |              |     | 0 |
| Preferred stock                |     |           |     | 0 |                 |     |   555,152 |           |     | 0 |           |     | 0 |              |     | 0 |
| Total Liabilities              |     |           |     | 0 |                 |     | 2,016,163 |           |     | 0 |           |     | 0 |              |     | 0 |

#### CREDIT RISK
Credit risk represents the likelihood that Grupo Cibest Consolidated may incur financial losses due to a counterparty, issuer, or debtor failing to meet their contractual obligations. It also encompasses losses resulting

| 18 |

from credit rating downgrades, reduced earnings and returns, concessions granted during debt restructurings, and recovery-related costs. As the most significant risk inherent to banking operations, credit risk is actively managed throughout each phase of the credit cycle.

#### Consolidated
The analysis presented below for Grupo Cibest Consolidated is based on a comparison with the information reported by Grupo Bancolombia as of March 31, 2025.

The first half of 2025, moderate and stable economic growth was observed in Colombia in contrast to the mixed dynamics observed in Central America, where Panama and Guatemala showed strong growth, while El Salvador saw a slowdown compared to march 2025. In Colombia, the positive performance of service sectors such as commerce, entertainment, and transportation has been supported by the gradual reduction in interest rates and the deceleration of inflation, which in turn has sustained robust household consumption. However, the uncertainty caused by volatility in global markets, a consequence of the trade and tariff policies of the United States and the ongoing conflict in the Middle East, continues to affect investment decisions, impacting overall economic activity.

In response to this situation, Grupo Cibest Consolidated has maintained support for its clients with the aim of ensuring proactive credit risk management and evaluating specific conditions and requests to meet their credit needs, as well as developing methodologies, tools, and models to optimize collections. The monitoring and review of credit portfolios from different perspectives continue to be a key factor in identifying and enhancing the implementation of proactive strategies at various stages of the credit cycle.

Grupo Cibest Consolidated´s loan portfolio as of June 2025, compared to March 2025,