Company: CIB
Filing Date: 2025-08-06
Form Type: 6-K
Source: 0002058897-25-000029
Chunk: 11

Company: Grupo Cibest S.A.
Filing Date: 2025-08-06
Form: 6-K
Chunk 11
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 were 1.57% for 2Q25 and 1.71% for the last 12 months. Grupo Cibest maintains a statement of financial position supported by an adequate level of past-due loan reserves. Loan loss provisions (for the principal) totaled COP 13,358 billion, or 4.9% of gross loans as of the end of 2Q25, decreasing compared to 1Q24.

Stage 2+3 loan portfolio continued to decrease compared to the previous quarter, mainly driven by the positive performance of the portfolios, especially at Bancolombia S.A. and Banistmo, with the respective coverage level remaining stable.

The following tables present key metrics related to asset quality:

| ASSET QUALITY                                            |     |  As of |            |     |   |     |        |            |     |   |     |        |            |     |   |
| (COP millions)                                           |     |   2Q24 |            |     |   |     |   1Q25 |            |     |   |     |   2Q25 |            |     |   |
| Total 30-day past due loans                              |     |        | 13,503,420 |     |   |     |        | 12,581,781 |     |   |     |        | 12,401,167 |     |   |
| Allowance for loan losses(1)                             |     |        | 15,131,222 |     |   |     |        | 13,986,022 |     |   |     |        | 13,358,386 |     |   |
| Past due loans to total loans                            |     |   5.17 |            |     | % |     |   4.64 |            |     | % |     |   4.54 |            |     | % |
| Allowances to past due loans                             |     | 112.05 |            |     | % |     | 111.16 |            |     | % |     | 107.72 |            |     | % |
| Allowance for loan losses as a percentage of total loans |     |   5.80 |            |     | % |     |   5.16 |            |     | % |     |   4.89 |            |     | % |

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(1) Allowances for the principal