Grupo Cibest expects Nequi launch September 1, 2026

Grupo Cibest S.A. reports that its subsidiary Nequi S.A.

Rhea-AI Filing Summary

Grupo Cibest S.A. reports that its subsidiary Nequi S.A. Compañía de Financiamiento is expected to begin operations as a new financial entity within the group, independent from Bancolombia S.A., on September 1, 2026, once the transfer of assets, liabilities and contracts related to Nequi-branded products and services from Bancolombia has been completed.

The company recalls that Nequi received authorization from the Financial Superintendency of Colombia on November 6, 2025, to operate as a financing company throughout Colombia. Both Nequi and Bancolombia will continue as part of Grupo Cibest, and this evolution is stated not to change how customers access or use Nequi products, with the Nequi App experience and customer service channels remaining the same.

Key Figures

Nequi operations start date: September 1, 2026 Authorization date for Nequi: November 6, 2025

2 metrics

Nequi operations start date September 1, 2026 Expected date Nequi begins operations as a financing company within Grupo Cibest

Authorization date for Nequi November 6, 2025 Date the Financial Superintendency of Colombia granted authorization to Nequi

Key Terms

foreign private issuer, Compañía de Financiamiento, Financial Superintendency of Colombia

3 terms

foreign private issuer regulatory

"REPORT OF FOREIGN PRIVATE ISSUER PURSUANT TO RULE 13a-16"

A foreign private issuer is a company organized outside the United States that meets tests showing it is primarily foreign-controlled and therefore qualifies for a different set of U.S. reporting rules. For investors, that means the company files less frequent or differently formatted disclosures with U.S. regulators and may follow home-country accounting and governance practices, so buying its stock is like dining at a well-reviewed restaurant that follows its home kitchen’s rules instead of the local menu — you get access but should check what standards apply.

Compañía de Financiamiento financial

"authorization granted ... to Nequi S.A. Compañía de Financiamiento"

Financial Superintendency of Colombia regulatory

"authorization granted by the Financial Superintendency of Colombia to Nequi"

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

When will Nequi begin operations as a financing company within Grupo Cibest (CIB)?

Nequi is expected to begin operations on September 1, 2026 as a new financial entity within Grupo Cibest, once the transfer of assets, liabilities and Nequi-related contracts from Bancolombia has been completed.

What regulatory approval supports Nequi’s operations for Grupo Cibest (CIB)?

Nequi received authorization from the Financial Superintendency of Colombia on November 6, 2025 to carry out activities inherent to the corporate purpose of a financing company throughout Colombia, enabling its planned operational launch.

How will Nequi’s new structure affect Bancolombia and Grupo Cibest (CIB)?

Nequi will operate as a new financial entity independent from Bancolombia, but both Nequi and Bancolombia will continue to be part of Grupo Cibest, reflecting an internal restructuring rather than a separation from the group.

Will Nequi customers see changes after the September 1, 2026 transition at Grupo Cibest (CIB)?

The company states that for customers this evolution does not represent changes in how they access or use products and services; the Nequi App experience and customer service channels remain unchanged.

What business activities will Nequi perform for Grupo Cibest (CIB)?

Nequi is authorized to carry out in Colombia the activities inherent to a financing company’s corporate purpose, operating as a financial entity within Grupo Cibest focused on products and services under the Nequi brand.

Who can investors contact at Grupo Cibest (CIB) about the Nequi transition?

Key contacts include Strategy and Financial VP Mauricio Botero Wolff and IR Director Catalina Tobón Rivera, with the investor relations email listed as ir@Grupocibest.com.co and Colombian telephone numbers provided.

AI-generated analysis. How Rhea-AI works. Not financial advice.

Form 6-K: How Foreign Companies Report to the SEC →

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Available on EDGAR 07/31/2026 - 08:59 AM Accepted by SEC EDGAR 07/31/2026 - 08:59 AM Learn about SEC filing dates

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 July,2026

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 July,31,2026			By:			/s/ MAURICIO BOTERO WOLFF.
			Name:			Mauricio Botero Wolff
			Title:			Vice President of Strategy and Finance

July 31, 2026

Medellin, Colombia

GRUPO CIBEST S.A. ANNOUNCES THE DATE ON WHICH NEQUI S.A. COMPAÑÍA DE FINANCIAMIENTO WILL BEGIN OPERATIONS

In accordance with the information disclosed to the market on November 6, 2025, regarding the authorization granted by the Financial Superintendency of Colombia to Nequi S.A. Compañía de Financiamiento (“Nequi”) to carry out throughout Colombia the activities inherent to the corporate purpose of a financing company; Grupo Cibest S.A. announces that Nequi is expected to begin operations as a new financial entity within Grupo Cibest, independent from Bancolombia S.A. (“Bancolombia”), on September 1, 2026, once the transfer of assets, liabilities, and contracts with Bancolombia corresponding to the products and services provided under the Nequi brand has been completed.

Both Nequi and Bancolombia continue to be part of Grupo Cibest. For customers, this evolution does not represent any changes in the way they access or use the products and services. Likewise, the Nequi App experience and customer service channels remain unchanged.

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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