Company: CIB
Filing Date: 2025-11-14
Form Type: 6-K
Source: 0002058897-25-000052
Chunk: 29

Company: Grupo Cibest S.A.
Filing Date: 2025-11-14
Form: 6-K
Chunk 29
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 Risk Of External Fraud
During the third quarter of the year, fraud risk management remained a strategic priority for Grupo Cibest Consolidated. Actions continue to strengthen prevention models, such as ongoing adjustments to behavioral and transactional monitoring to adapt to actual fraud, the decline of a larger number of high-risk transactions, the customization of overall limits for the personal channel to adapt to customer transactional patterns, and the continuation of security campaigns to mitigate fraud using social engineering techniques. Additionally, new capabilities have been acquired that allow us to understand customer behavioral and transactional behavior, as well as their usage and preferences, in order to make more informed decisions.

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#### Talent Risk
During the third quarter of 2025, the talent risk measurement methodology was implemented, the first measurement results were obtained and were presented to the Risk Committee. Consequently, this risk is incorporated into this quarterly report. The categories identified include: unsafe work environments, deterioration of mental health, talent sh ortages, and deficiencies in future talent management. For each of these, risks that may have an impact on our entities were identified, such as deterioration of mental health, loss of competitiveness of the employee value proposition compared to the market, adverse work environment, inability to develop talent with future knowledge, and shortage of required talent.

To mitigate these risks, the Talent and Culture team implemented actions to ensure an adequate control environment.

#### IV.
MATERIAL CHANGES IN THE INFORMATION REPORTED IN THE CORPORATE GOVERNANCE ANALYSIS CHAPTER DURING THE QUARTER

In the third quarter of the year 2025, there were no material changes to the information reported in the Corporate Governance analysis chapter of the last quarterly report.

#### V.
MATERIAL CHANGES THAT HAVE OCCURRED IN PRACTICES, PROCESSES, POLICIES AND INDICATORS IN RELATION TO SOCIAL AND ENVIRONMENTAL CRITERIA, INCLUDING CLIMATE CRITERIA.

In the second quarter of 2025, there were no material changes in practices, processes, policies, or indicators related to social and environmental criteria.

#### VI.
MATERIAL CHANGES PRESENTED IN THE FINANCIAL STATEMENTS OF THE ISSUER BETWEEN THE REPORTED QUARTER AND THE DATE OF TRANSMISSION OF THE INFORMATION

On October 21, 2025, the corporate reorganization of the Panamanian subsidiary Banistmo S.A. and other affiliates of Grupo Cibest in Panama took place. The reorganization included the partial spin-off by Valores Banistmo