Grupo Cibest S.A. Files 6-K for November 2025

TL;DR

Grupo Cibest S.A. (CIBEST) filed a 6-K on Nov 6, 2025, confirming its foreign private issuer status and reporting for November.

AI Summary

Grupo Cibest S.A. filed a Form 6-K on November 6, 2025, reporting for the month of November 2025. The filing indicates the company is a foreign private issuer and will file annual reports under Form 20-F. The principal executive offices are located at Cra. 48 # 26-85, Medellín, Colombia.

Why It Matters

This filing provides an update on Grupo Cibest S.A.'s reporting status as a foreign private issuer, which is relevant for investors tracking regulatory compliance and financial reporting schedules.

Risk Assessment

Risk Level: low — This is a routine filing confirming the company's reporting status and address, with no new financial or operational information provided.

Key Players & Entities

• Grupo Cibest S.A. (company) — Filer of the 6-K report
• 001-32535 (other) — Commission File Number for Grupo Cibest S.A.
• Form 20-F (other) — Annual report form for foreign private issuers
• Medellín, Colombia (location) — Location of principal executive offices

FAQ

Key Financial Figures

• $3,923.55 — et Representative Rate October 1, 2025, $3,923.55 US$ 1 1 3Q25 GRUPO CIBEST Summary
• $2.18 — in 3Q25, or COP 2,252.53 per share (USD $2.18 per ADR). Net income increased by 19.7%

Filing Documents

• grupocibestsa6-kpr3q25.htm (6-K) — 906KB
• chart-067a51a06d1a45c5bf8.jpg (GRAPHIC) — 59KB
• chart-42e289a064324638bbe.jpg (GRAPHIC) — 26KB
• chart-81409af8ba7a4804a78.jpg (GRAPHIC) — 32KB
• chart-b4572a9f7f894c0e985.jpg (GRAPHIC) — 26KB
• chart-c3a57399031d40b9a5c.jpg (GRAPHIC) — 33KB
• gc_logotipoxnegroxvertical2.jpg (GRAPHIC) — 26KB
• 0002058897-25-000048.txt ( ) — 1186KB

From the Filing

Document UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington D.C. 20549 FORM 6-K REPORT OF FOREIGN PRIVATE ISSUER PURSUANT TO RULE 13a-16 OR 15d-16 OF THE SECURITIES EXCHANGE ACT OF 1934 For the month of November 2025 Comission File Number 001-32535 Grupo Cibest S.A. (Translation of registrant's name into English) Cra. 48 # 26-85 Medelln, Colombia (Address of principal executive offices) Indicate by check mark whether the registrant files or will file annual reports under cover of Form 20-F or Form 40-F. Form 20-F Form 40-F o Indicate by check mark if the registrant is submitting the Form 6-K in paper as permitted by Regulation S-T Rule 101(b)(1)___ Indicate by check mark if the registrant is submitting the Form 6-K in paper as permitted by Regulation S-T Rule 101(b)(2)___ Indicate by check mark whether the registrant by furnishing the information contained in this form is also thereby furnishing the information to the Commission pursuant to Rule 12g3-2(b) under the Securities Exchange Act of 1934. Yes o No If "Yes" is marked, indicate below the file number assigned to the registrant in connection with Rule 12g3-2(b) 82-__________. 3Q25 GRUPO CIBEST (NYSE CIB BVC CIBEST AND PFCIBEST) REPORTS FINANCIAL RESULTS FOR THE THIRD QUARTER OF 2025. Net income attributable to shareholders for 3Q25 was COP 2.1 trillion. This figure represents an increase of 19.7% compared to the previous quarter and 42.8% versus 3Q24. The quarterly annualized return on equity ("ROE") for Grupo Cibest was 20.4% for the quarter and 17.4% for the last 12 months. The net interest margin for 3Q25 was 6.59%, rising by 2 basis points compared to 2Q25. Net interest income was COP 5.3 trillion, up 1.5% compared to 2Q25 and 2.9% versus 3Q24. The gross loan portfolio of Grupo Cibest reached COP 280 trillion, representing an increase of 0.1% compared to the previous quarter and 3.9% over 3Q24. The quarterly growth was mainly driven by higher balances in consumer and mortgage portfolios. It is important to highlight the impact of the Colombian peso appreciation during the period, which negatively affected portfolio growth. Deposits closed 3Q25 at COP 281 trillion, decreasing 0.5% versus 2Q25 and increasing 8.3% compared to 3Q24. The quarterly decrease is mainly explained by the appreciation of the Colombian peso against the dollar. Total provision charges for 3Q25 were COP 829 billion, decreasing 24.4% compared to 2Q25 and representing a quarterly annualized cost of risk of 1.18%. The reduction in provision expense for the quarter is mainly explained by model calibration and a decrease in provision expense in the retail segment, all associated with lower expected loss estimates. The 30-day past-due loan ratio stood at 4.32% and the 90-day ratio at 3.08%. Shareholders' equity closed at COP 42.4 trillion as of September 30, 2025, showing an increase of 2.6% compared to the previous quarter and 3.6% over 3Q24. The quarterly increase is explained by the growth in retained earnings during the period. In terms of digital strategy, a favorable trend is observed in line with last year's results. As of September 2025, Bancolombia had 9.2 million active digital clients in the Mi Bancolombia APP (measured over a 30-day period), as well as 26.6 million accounts in Nequi. On page 12 of this document, the financial position statement, income statement, and key indicators of Bancolombia S.A. as of 3Q25 are presented, compared with pro forma figures from previous quarters, that assume completion of the corporate evolution toward Grupo Cibest in those periods solely for the purpose of providing comparability for the analysis of the entity's performance in 3Q25. November 6, 2025. Medelln, Colombia – Today, GRUPO CIBEST announced its financial results for the third quarter of 2025. _____________________________________ 1. This report corresponds to the unaudited consolidated financial information of GRUPO CIBEST S.A. and its subsidiaries ("Grupo Cibest" or "Cibest"), which it controls, among others, by directly or indirectly holding more than 50% of the voting equity ownership. This financial information has been prepared based on accounting records generated in accordance with International Financial Reporting Standards (IFRS), and is presented in nominal terms. The financial information for the quarter ended September 30 is not necessarily indicative of results expected for any other future period. For more information, please refer to the SEC website, where you can find releases regarding the company www.sec.gov. FORWARD-LOOKING STATEMENTS WARNING This release contains statements that may be considered forward-looking disclosures within the meaning of Section 27A of the U.S. Securities Act of 1933 and Section 21E of the U.S. Securities Exchange Act of 1934. All forward-looking statements made in this release, in future filings, in written or oral press releases, address matters that may involve risks and unce

View Full Filing

View this 6-K filing on SEC EDGAR