Company: CIB
Filing Date: 2025-11-06
Form Type: 6-K
Source: 0002058897-25-000048
Chunk: 16

Company: Grupo Cibest S.A.
Filing Date: 2025-11-06
Form: 6-K
Chunk 16
---
 |     |         3Q25 |     |             |
| Technical Equity       |     |        25,188,421 |     |   26,953,192 |     |  28,245,095 |
| Basic Solvency         |     |            10.29% |     |       10.98% |     |      11.77% |
| Total Solvency         |     |            13.04% |     |       13.45% |     |      14.14% |
| Risk-weighted assets   |     |       155,957,795 |     |  161,823,794 |     | 161,241,484 |
| Total Market Risk      |     |        15,116,610 |     |   12,452,630 |     |  11,760,679 |
| Total Operational Risk |     |        22,132,201 |     |   26,046,098 |     |  26,791,401 |

| 13 |

| 3Q25 |

### BANISTMO- PANAMA
Despite the cessation of the copper mine's operations in Panama and distortions in international trade resulting from tariff announcements from the U.S., Panama’s economy has shown a gradual acceleration in economic growth, recording an annual increase of 4.3% in the first half of 2025. Beyond the interruptions associated with the El Niño phenomenon, a recovery in the operation of the Panama Canal was observed, which, together with a boom in tourism, helped offset the cessation of mining activity. Although the president has expressed commitment to fiscal consolidation, this process faces challenges associated, on one hand, with low tax collection levels and, on the other, with significant rigidities in public spending.

In this context, Banistmo’s loan portfolio closed the quarter with a decrease of 0.2% (measured in USD). A contraction was recorded in the mortgage and commercial portfolios. In the case of mortgage, this reduction was due to stricter origination policies. The commercial portfolio was affected by a redistribution of clients toward products better suited to their profile, such as small business loans, which generated a net effect between small business and commercial lending with a slight increase. The consumer portfolio, meanwhile, showed modest growth, driven mainly by the dynamics of personal unsecured loans. Regarding deposits, a decrease of 1.8% was observed, explained mainly by reductions