Grupo Cibest S.A.
For the period ended Jun 30, 2026. Filed Aug 17, 2026.
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Jun 30, 2026 · Filed Aug 17, 2026
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6-K 1 cib-20260630xigcibest2q26.htm 6-K
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 August 2026
Commission File Number 001-32535
Grupo Cibest S.A.
(Translation of registrant’s name into English)
Cra. 48 # 26-85
(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 ☐ |
|---|
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 ☐ | No ☐ |
|---|
If “Yes” is marked, indicate below the file number assigned to the registrant in connection with Rule 12g3-2(b): 82-____________ .
SIGNATURE
Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized.
| GRUPO CIBEST S.A.(Registrant) | ||
| Date August 14, 2026 | By: | /s/ MAURICIO BOTERO WOLFF. |
|---|---|---|
| Name: | Mauricio Botero Wolff. | |
| Title: | Vice President of Strategy and Finance |
August 14, 2026
GRUPO CIBEST S.A. RELEASES QUARTERLY REPORT FOR THE SECOND QUARTER OF 2026
On August 10, 2026, Grupo Cibest S.A. (“Grupo Cibest”) furnished on Form 6-K a press release presenting financial information for the fiscal quarter ended June 30, 2026 (the “Press Release”).
The quarterly report for the fiscal quarter ended June 30, 2026 (the “Quarterly Report”) is furnished with this Form 6-K.
Readers should be aware that the consolidated financial information in the Press Release, and the consolidated financial information in the Quarterly Report for the fiscal quarter ended June 30, 2026, are the same, and the Quarterly Report is being furnished solely to fulfill a legal reporting requirement in Colombia. Readers should also be aware that all financial information of Grupo Cibest that is included in the Quarterly Report was prepared in accordance with International Financial Reporting Standards.
Quarterly Report
April - June 2026
Grupo Cibest S.A. and Consolidated Grupo Cibest
Address:
Carrera 48 # 26-85
ISSUER’S CURRENT SECURITIES
As of June 30, 2026
| Type of Share | Common Share | Preferred Share |
|---|---|---|
| Trading System | Stock Exchange | Stock Exchange |
| Stock Exchanges | Colombian Stock Exchange (BVC) | Colombian Stock Exchange (BVC) |
| Shares in Circulation | 508,474,753 | 436,187,213 |
| Shareholders | 21,014 | 38,785 |
| Issuance amount | 509,704,584 | 452,122,416 |
| Amount placed | 509,704,584 | 452,122,416 |
Additionally, Grupo Cibest has a Level III ADR listed on the NYSE. Each ADR represents four preferred shares.
GRUPO CIBEST SHARE BUYBACK
On March 24, 2026, Grupo Cibest's shareholders' meeting approved the transfer of the amount of COP 431,418,157,024.55 from the legal reserve, to be added to the reserve for executing the share buyback program approved at the extraordinary shareholders’ meeting held on June 9, 2025. Furthermore, the shareholders’ meeting of Grupo Cibest authorized the termination of the share buyback program approved at the extraordinary shareholders’ meeting held on June 9, 2025, and authorized the 2026 share buyback program for an amount of up to one trillion three hundred fifty billion Colombian pesos (COP 1,350,000,000,000), for a term of three (3) years counted as from the adoption of the regulations of the program by the Board of Directors. Likewise, it authorized the Board of Directors to approve the share repurchase regulations under which management was authorized to execute said program.
As of June 30, 2026, the results of the program 2026-2029 are as follows:
| Type of share | Number of repurchased shares |
|---|---|
| CIBEST (BVC) | 628,379 |
| PFCIBEST (BVC) | 3,244,439 |
| CIB (NYSE) | 526,152* |
| TOTAL | 4,398,970 |
*Number of repurchased ADRs converted into preferred shares.
As of June 30, 2026, Cibest Corporate Group's results of the programs are as follows:
| Type of share | Number of repurchased shares |
|---|---|
| CIBEST (BVC) | 1,229,831 |
| PFCIBEST (BVC) | 10,271,731 |
| CIB (NYSE) | 5,663,472* |
| TOTAL | 17,165,034 |
*Number of repurchased ADRs converted into preferred shares.
| ISSUER’S CURRENT SECURITIES | 4 |
|---|---|
| GRUPO CIBEST SHARE BUYBACK | 4 |
| GLOSSARY OF TERMS | 7 |
| I. MANAGEMENT’S DISCUSSION & ANALYSIS ON THE RESULTS OF THE OPERATION AND THE FINANCIAL SITUATION OF THE ISSUER, IN RELATION TO THE RESULTS REPORTED IN THE QUARTERLY FINANCIAL STATEMENTS | 8 |
| Statement Of Financial Position Grupo Cibest | 8 |
| Loan Portfolio | 8 |
| Funding | 8 |
| Shareholders’ Equity | 9 |
| Consolidated Income Statement Grupo Cibest | 9 |
| Net Interest Income & Interest Margin | 9 |
| Fees And Income From Services | 10 |
| Other Operating Income | 10 |
| Dividends Received, And Share Of Profits | 10 |
| Asset Quality And Provision Charges | 10 |
| Operating Expenses | 11 |
| Taxes | 11 |
| Consolidated Statement Of Income Grupo Cibest | 12 |
| Separate Grupo Cibest | 14 |
| II. QUANTITATIVE AND QUALITATIVE ANALYSIS OF THE MARKET RISK TO WHICH THE ISSUER IS EXPOSED AS A RESULT OF ITS INVESTMENTS AND ACTIVITIES SENSITIVE TO MARKET VARIATIONS | 15 |
| Consolidated | 15 |
| Non-trading Instruments Market Risk Measurement | 16 |
| Interest Risk Exposure (Banking Book) | 16 |
| Sensitivity To Interest Rate Risk Of The Banking Book | 16 |
| Separated | 16 |
| III. MATERIAL VARIATIONS THAT HAVE OCCURRED IN THE RISKS TO WHICH THE ISSUER IS EXPOSED, OTHER THAN MARKET RISK, AND THE MECHANISMS IMPLEMENTED TO MITIGATE THEM | 17 |
| Liquidity Risk | 17 |
| Consolidated | 17 |
| Separated | 17 |
| Credit Risk | 18 |
| Consolidated | 18 |
| Separated | 19 |
| Country Risk | 20 |
| Consolidated | 20 |
| Operational Risk | 20 |
| Consolidated | 20 |
| Separated | 20 |
| Financial Leverage Risk | 21 |
| Separated | 21 |
|---|---|
| Other Relevant Risks | 21 |
| • Regulatory And Legal Risk | 21 |
| Colombia | 21 |
| Panama | 21 |
| Guatemala | 23 |
| El Salvador | 23 |
| Political Risk | 24 |
| Colombia | 24 |
| El Salvador | 24 |
| • Economic And Sectoral Environment | 25 |
| Colombia | 25 |
| Panama | 25 |
| Guatemala | 26 |
| El Salvador | 26 |
| • Business Continuity And Technology Failures | 26 |
| • Model Risk | 27 |
| • Cybersecurity And Information Security Risk | 27 |
| • Internal Fraud Risk | 27 |
| • Aml/cft And Corruption Risk. | 27 |
| • Risk Of External Fraud | 28 |
| IV. MATERIAL VARIATIONS IN THE INFORMATION REPORTED IN THE CORPORATE GOVERNANCE ANALYSIS CHAPTER DURING THE QUARTER | 29 |
| V. MATERIAL CHANGES THAT HAVE OCCURRED IN PRACTICES, PROCESSES, POLICIES AND INDICATORS IN RELATION TO SOCIAL AND ENVIRONMENTAL CRITERIA, INCLUDING CLIMATE CRITERIA. | 29 |
| VI. MATERIAL CHANGES PRESENTED IN THE FINANCIAL STATEMENTS OF THE ISSUER BETWEEN THE REPORTED QUARTER AND THE DATE OF TRANSMISSION OF THE INFORMATION | 29 |
| VII. ANNEXES | 30 |
| I. Condensed Consolidated Interim Financial Statements Grupo Cibest | 30 |
| Ii. Condensed Separated Interim Financial Statements Grupo Cibest S.a. | 30 |
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