Company: CIB
Filing Date: 2025-11-14
Form Type: 6-K
Source: 0002058897-25-000052
Chunk: 16

Company: Grupo Cibest S.A.
Filing Date: 2025-11-14
Form: 6-K
Chunk 16
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 - |     |           | - |     |              | 568,928 |
| Total Liabilities     |     |           | - |     |                 | 1,454,330 |     |           | - |     |           | - |     |              | 568,928 |

#### 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 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
| 18 |

As of the third quarter of 2025, Colombia’s economy recorded moderate growth, while Panama and Guatemala maintained robust performance. In contrast, El Salvador showed a slowdown compared to the end of 2024. In Colombia, the favorable trend in sectors such as entertainment, agriculture, and commerce has been supported by the gradual reduction in interest rates and the moderation of inflation—factors that have driven household consumption. Panama and Guatemala, meanwhile, stand out for their strong momentum in the services sector, private consumption, and government spending, while El Salvador continues to navigate its fiscal consolidation process. However, global uncertainty stemming from rising geopolitical and trade tensions persists, leading to increased investor caution and affecting the overall economic outlook.

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 September 2025, compared to June 2025, showed a slight increase of 0.07% in the consolidated portfolio balance in pesos. This growth was achieved despite the revaluation of the peso against the dollar, which impacted the portfolio’s value when expressed in that currency. However, the increase in disbursements was driven mainly by the mortgage and consumer loan portfolios in Colombia, as well as in the commercial portfolios of the Central American banks where the Group operates, contributed maintain the overall stability of the loan portfolio.

The 30-day past due loan