Company: CIB
Filing Date: 2025-08-15
Form Type: 6-K
Source: 0002058897-25-000035
Chunk: 22

Company: Grupo Cibest S.A.
Filing Date: 2025-08-15
Form: 6-K
Chunk 22
---
2025, which would take it to 4.00%.

#### El Salvador
The country's recent outlook has been marked by a slight economic slowdown, attributed to the weakening of the textile sector, whose international demand has been affected in an environment of growing competition from Asian countries in maquila activities. In addition, inflation has shown a downward bias due to the evolution of fuel prices. Going forward, economic performance will be conditioned by several factors: 1) a loss of dynamism in external demand as a result of the slowdown in global growth and the tariff situation; 2) a reduction in remittance flows to the country, as a result of the tightening of U.S. immigration policy and the impositionof a tax on the outflow of transfers, which would translate into lower household consumption; and 3) a more limited space for public spending, to the extent that the Government advances in meeting the fiscal consolidation objectives agreed with the International Monetary Fund. Along these lines, we believe that the fiscal front—which had become the main challenge in the macroeconomic outlook—could show an improvement in the short term, while strengthening the institutional capacity to respond to external shocks. Finally, in terms of prices, we predict that inflation could rebound in the short term as a result of disruptions in world trade; however, this effect would be transitory and would give way to inflation rates close to 1.3% in the medium term.

#### •

#### Third-Party Risks
The outsourcing of activities within the Grupo Cibest Consolidated involves operational and strategic risks, especially if suppliers do not adequately comply with the contracted services. This situation can affect the achievement of objectives, disrupt operations, and increase exposure to cybersecurity risks, handling confidential information, fraud, and reputation, especially in the face of public or regulatory scrutiny.

During the second quarter of 2025, progress was made in the evaluation plan for critical suppliers, with the aim of strengthening the control environment and improving contracting processes, ensuring effective management of third parties.

#### •

#### Model Risk
During the second quarter of 2025, key progress was made in consolidating the model risk management framework. The design phase of the Comprehensive Framework for the Validation of Generative AI Models was completed, updating the classification methodology (tiering) of analytical tools by incorporating criteria of impact, robustness, explainability and ethical use; additionally, the general guidelines for model risk management are updated, an annex was created with special guidelines for Generative AI models and specific validation guides and mandatory technical tests were developed