Company: CIB
Filing Date: 2025-08-06
Form Type: 6-K
Source: 0002058897-25-000029
Chunk: 5

Company: Grupo Cibest S.A.
Filing Date: 2025-08-06
Form: 6-K
Chunk 5
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4% excluding the FX effect) and 4.4% compared to 2Q24 (5.0% excluding the FX effect). Over the past twelve months, the peso-denominated portfolio grew 6.9%, while the dollar-denominated portfolio (measured in USD) decreased 0.9%. The Colombian peso appreciated 2.9% against the US dollar during 2Q25, and 1.9% over the last twelve months. The average exchange rate was 0.1% higher in 2Q25 versus the previous quarter, and 7.0% higher year-over-year.

Allowances for loan losses decreased 4.9% during the quarter, totaling COP 14,771 billion, which is equivalent to 5.3% of the gross loan portfolio.

For a more detailed explanation regarding portfolio coverage and asset quality, see section 2.4. asset quality and provision charges.

The following table summarizes Grupo Cibest’s total loan portfolio:

| 4 |

| 2Q25 |

| LOAN PORTFOLIO                
 (COP million)                 |     | 2Q24 |             |     | 1Q25 |             |     | 2Q25 |             |     | 2Q25 / 1Q25 |     |   |     | 2Q25 / 2Q24 |     |   |     | % of total 
      loans |     |   |
| Commercial                    |     |      | 173,269,881 |     |      | 180,571,209 |     |      | 180,646,737 |     |        0.04 |     | % |     |        4.26 |     | % |     |      64.57 |     | % |
| Consumer                      |     |      |  55,049,622 |     |      |  54,616,427 |     |      |  55,107,218 |     |        0.90 |     | % |     |        0.10 |     | % |     |      19.70 |     | % |
| Mortgage                      |     |      |  38,713,478 |     |      |  41,964,536 |     |      |  42,502,162 |     |        1.28 |     | % |     |        9.79 |     | %