Company: CIB
Filing Date: 2025-11-06
Form Type: 6-K
Source: 0002058897-25-000048
Chunk: 9

Company: Grupo Cibest S.A.
Filing Date: 2025-11-06
Form: 6-K
Chunk 9
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 |     |       |     |      |     |       |     |   |
| Lending Net Interest Margin              |     |      |     |  7.50 |     | %    |     |  7.01 |     | %    |     |    7.16 |     | %    |     |  7.06 |     | %    |     |  6.98 |     | % |
| Investment Net Interest Margin           |     |      |     |  3.66 |     | %    |     |  3.52 |     | %    |     |    4.57 |     | %    |     |  3.38 |     | %    |     |  4.21 |     | % |
| Net interest margin (1)                  |     |      |     |  7.01 |     | %    |     |  6.53 |     | %    |     |    6.83 |     | %    |     |  6.57 |     | %    |     |  6.59 |     | % |

(1) Net interest margin and valuation income on financial instruments.

#### 2.2. Fees and Income from Services
Net fee and service income in 3Q25 amounted to COP 1,137 billion, representing an increase of 4.1% compared to 2Q25 and 9.5% versus 3Q24.

Fee income increased 3.3% over the quarter, mainly explained by the positive trend observed throughout the year in investment banking and trust services fees related to the execution of financing projects with corporate clients and larger volume of assets under management, particularly in collective investment schemes and private equity funds. To a lesser extent, there was an increase in fees from payments and collections, as well as debit and credit cards and commercial establishments, due to higher transactional volume during the quarter.

Meanwhile, fee expenses rose during the quarter, mainly in banking services, as a result of higher payments to franchises stemming from the increase in transactional volume. It is worth highlighting the slower pace of growth in fee expenses related to banking correspondents during the quarter, as a consequence of adjustments in the operational model for this channel.

*Figures in billions

| 7 |

| 3Q25 |

#### 2.3. Other operating income
Total other operating income reached COP 866 billion in