Company: CIB
Filing Date: 2025-08-06
Form Type: 6-K
Source: 0002058897-25-000029
Chunk: 8

Company: Grupo Cibest S.A.
Filing Date: 2025-08-06
Form: 6-K
Chunk 8
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 2Q24. This growth is explained by higher retained earnings during the quarter.

#### 2.

### INCOME STATEMENT GRUPO CIBEST
Net income attributable to equity holders totaled COP 1,791 billion in 2Q25, or COP 1,876.8 per share (USD $1.79 per ADR). Net income increased by 3.1% compared to 1Q25, primarily driven by higher net interest and fee income. The quarterly annualized return on equity (ROE) for Grupo Cibest reached 17.5% in 2Q25 and 16.13% over the last 12 months.

| 6 |

| 2Q25 |

#### 2.1.

#### Net Interest Income & Net Interest Income
Net interest income totaled COP 5,227 billion in 2Q25, reflecting a 3.2% increase compared to 1Q25. This performance was mostly due to loan portfolio interest income growth across all segments, supported by higher balances and improved yield rates against the previous quarter. Interest expense increased slightly, reflecting a higher cost of funds in Colombia, along with an increase in time deposits at Bancolombia S.A., Banco Agricola, and Banistmo.

Additionally, interest income from debt instruments and valuation of financial instruments reached COP 672 billion, representing a 12.2% increase quarter-over-quarter. This variation was mainly attributable to higher yields on debt securities, associated with active liquidity portfolio management.

The annualized weighted average cost of deposits was 4.18% in 2Q25, up 9 basis points compared to 1Q25.

As a result, the loan portfolio NIM reached 7.06% for the quarter, increasing 6 basis points from 1Q25 and decreasing 63 basis points year-over-year. The NIM on investments was 3.38%, up 59 basis points from 1Q25. Finally, the consolidated NIM increased by 14 basis points in the quarter, rising from 6.43% to 6.57%.

| Portfolio yield  by category |     |  2Q24 |     |   |     |  1Q25 |     |   |     |  2Q25 |     |   |
| Commercial Portfolio         |     | 12.71 |     | % |     | 11.02 |     | % |     | 11.08 |     | %