Company: CIB
Filing Date: 2025-11-06
Form Type: 6-K
Source: 0002058897-25-000048
Chunk: 1

Company: Grupo Cibest S.A.
Filing Date: 2025-11-06
Form: 6-K
Chunk 1
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 compared to 2Q25. Net interest income was COP 5.3 trillion, up 1.5% compared to 2Q25 and 2.9% versus 3Q24.

• The gross loan portfolio of Grupo Cibest reached COP 280 trillion, representing an increase of 0.1% compared to the previous quarter and 3.9% over 3Q24. The quarterly growth was mainly driven by higher balances in consumer and mortgage portfolios. It is important to highlight the impact of the Colombian peso appreciation during the period, which negatively affected portfolio growth. Deposits closed 3Q25 at COP 281 trillion, decreasing 0.5% versus 2Q25 and increasing 8.3% compared to 3Q24. The quarterly decrease is mainly explained by the appreciation of the Colombian peso against the dollar.

• Total provision charges for 3Q25 were COP 829 billion, decreasing 24.4% compared to 2Q25 and representing a quarterly annualized cost of risk of 1.18%. The reduction in provision expense for the quarter is mainly explained by model calibration and a decrease in provision expense in the retail segment, all associated with lower expected loss estimates. The 30-day past-due loan ratio stood at 4.32% and the 90-day ratio at 3.08%.

• Shareholders’ equity closed at COP 42.4 trillion as of September 30, 2025, showing an increase of 2.6% compared to the previous quarter and 3.6% over 3Q24. The quarterly increase is explained by the growth in retained earnings during the period.

• In terms of digital strategy, a favorable trend is observed in line with last year’s results. As of September 2025, Bancolombia had 9.2 million active digital clients in the Mi Bancolombia APP (measured over a 30-day period), as well as 26.6 million accounts in Nequi.

• On page 12 of this document, the financial position statement, income statement, and key indicators of Bancolombia S.A. as of 3Q25 are presented, compared with pro forma figures from previous quarters, that assume completion of the corporate evolution toward Grupo Cibest in those periods solely for the purpose of providing comparability for the analysis of the entity’s performance in 3Q25.

November 6, 2025. Medellín, Colombia – Today