Q3 2025 Grupo Aval Acciones y Valores SA Earnings Call Transcript

Nov 13, 2025 / 02:00 PM GMT

Release Date Price: COP808 (-0.25%)

Transcript

Key Points

Positve

Grupo Aval Acciones y Valores SA (AVAL) reported a year-to-date net income of 1.4 trillion pesos, an 88% increase compared to the same period in 2024.
Net income for the quarter was 521 billion pesos, marking the highest quarterly figure in three years and reflecting a 25.3% year-over-year growth.
The company saw a strong performance in consumer loans, which experienced the strongest quarterly growth in 10 quarters at 1.5%.
Peso-denominated deposits from individuals grew 22% over the year, with savings and checking accounts growing 11% and term deposits 31%.
Grupo Aval Acciones y Valores SA (AVAL) launched Go Payment, an instant payment system, which processed more than 10 million transactions with a total amount of 2 trillion pesos in its first month.

Negative

The fiscal environment remains challenging, with a projected fiscal deficit of 7.5% of GDP in 2025.
Inflationary pressures persist, with inflation expected to close at 5.3% in 2025, driven by ongoing minimum wage discussions.
The central bank's policy rate remains high at 9.25%, which could impact investment decisions.
The appreciation of the Colombian peso negatively impacted growth metrics, reducing gross loan growth by 1.1% year-on-year.
The cost of risk is expected to increase to 2% in 2026, reflecting a change in asset mix and potential macroeconomic challenges.

Refinitiv StreetEvents Event Transcript
E D I T E D V E R S I O N

GAA.CN - Grupo Aval Acciones y Valores SA
Q3 2025 Grupo Aval Acciones y Valores SA Earnings Call
Nov 13, 2025 / 02:00PM GMT

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Presentation
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Unidentified_1 [1]
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Welcome to Groupuoval's 3rd quarter 2025 consolidated results conference call. My name is Regina, and I will be your operator for today's call. Grupooval Axianes Ivalores SAA Grupoeval is an issuer of securities in Colombia and in the United States SEC. As such, it is subject to compliance with securities regulation in Colombia and applicable US securities regulation. Grouppoeval is also subject to the inspection and supervision of the superintendency of finance as holding company of the Evolve Financial conglomerates. The consolidated financial information included in this document is presented in accordance with IFRS as currently issued by the IASB.

Unconsolidated financial information of our

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