Nequi gains Colombian operating permit under Grupo Cibest, Nov 6, 2025

Rhea-AI Filing Summary

Grupo Cibest S.A. reported that Colombia’s Financial Superintendency has authorized Nequi S.A. Compañía de Financiamiento to operate nationwide as a financing company. The authorization, issued via Resolution No. 2002 dated October 31, 2025 and amended by Resolution No. 2021 dated November 4, 2025, became final and enforceable on November 6, 2025.

Nequi will commence operations once it completes the remaining procedures required to operate as a financing company. Nequi remains part of Grupo Cibest, and this development does not change how customers access or use current products and services.

Insights

Latin America financial regulation analyst

Regulatory greenlight enables Nequi to operate after final procedures.

Nequi received an operating permit as a financing company from Colombia’s Financial Superintendency, with the authorization finalized on November 6, 2025. This establishes the legal basis to conduct activities aligned with a financing company’s corporate purpose across Colombia.

Operations start only after additional required procedures are completed, so commercial timing depends on completing those steps. The company states that Nequi remains part of Grupo Cibest, and customer access to products and services is unchanged by this announcement.

Subsequent disclosures may detail when operations formally begin and any product scope under the financing company license. The filing provides no financial figures tied to this authorization.

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

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FORM 6-K

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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

Commission File Number 001-42656

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Grupo Cibest S.A.

(Translation of registrant’s name into English)

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Cra. 48 # 26-85

Medellín, Colombia

(Address of principal executive offices)

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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 þ Form 40-F o

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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 November, 6, 2025			By:			/s/ MAURICIO BOTERO WOLFF.
			Name:			Mauricio Botero Wolff
			Title:			Vice President of Strategy and Finance

November 6, 2025

Medellin, Colombia

GRUPO CIBEST S.A. ANNOUNCES THAT THE FINANCIAL SUPERINTENDENCY OF COLOMBIA HAS GRANTED NEQUI S.A. COMPAÑÍA DE FINANCIAMIENTO THE AUTHORIZATION CERTIFICATE (OPERATING PERMIT)

Grupo Cibest S.A. (“Grupo Cibest”) announces that the Financial Superintendency of Colombia, through No. 2002 dated October 31, 2025, as amended by Resolution No. 2021 dated November 4, 2025 (the “Resolution”), has authorized Nequi S.A. Compañía de Financiamiento (“Nequi”) to operate and carry out, throughout Colombia, the activities related to the corporate purpose of a financing company. The Resolution became final and enforceable on November 6, 2025.

Nequi will begin operations once all additional procedures required in connection with the process to operate as a financing company are completed.

Notwithstanding this authorization, Nequi remains part of Grupo Cibest. For customers, this development does not represent any change in how they access or use products and services.

Contacts

Mauricio Botero Wolff			Catalina Tobón Rivera
Strategy and Financial VP			IR Director
Tel.: (57 604) 4040858			Tel.: (57 601) 4885950
ir@Grupocibest.com.co			ir@Grupocibest.com.co

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FAQ

What did Grupo Cibest (CIB) announce about Nequi?

It announced that Colombia’s Financial Superintendency authorized Nequi S.A. Compañía de Financiamiento to operate as a financing company across Colombia.

When did Nequi’s authorization become final and enforceable?

The authorization became final and enforceable on November 6, 2025.

Which resolutions granted Nequi’s authorization?

Resolution No. 2002 dated October 31, 2025, as amended by Resolution No. 2021 dated November 4, 2025.

When will Nequi begin operations under the new authorization?

Nequi will begin operations once it completes the additional procedures required to operate as a financing company.

Does this change how customers use Nequi’s services?

No. The company states there is no change in how customers access or use products and services.

Is Nequi still part of Grupo Cibest (CIB)?

Yes. The announcement states that Nequi remains part of Grupo Cibest.