Q4 2025 Grupo Aval Acciones y Valores SA Earnings Call Transcript

Feb 26, 2026 / 02:00 PM GMT

Release Date Price: COP792 (-2.94%)

Transcript

Key Points

Positve

Grupo Aval Acciones y Valores SA (AVAL) reported a significant increase in net income, reaching 1.7 trillion Colombian pesos in 2025, a 70% increase compared to the previous year.
The company completed important strategic milestones, including the merger of its trust company and the acquisition of Banco Ita's Colombian retail business.
Grupo Aval Acciones y Valores SA (AVAL) successfully divested Multi Financial Group Inc., strengthening its position to pursue growth in core markets.
The company achieved a historic score of 81 out of 100 in the S&P corporate sustainability assessment, reflecting strong ESG performance.
Operational efficiencies and strategic acquisitions are expected to enhance market share and profitability in the trust and banking sectors.

Negative

Return on average equity was slightly below initial expectations due to weaker than expected minimum investment and one-time effects related to the MFG sale agreement.
The Colombian economy faces challenges such as high inflation expectations, elevated interest rates, and a complex investment landscape.
The fiscal deficit in Colombia remains among the largest globally, posing risks to economic stability.
Grupo Aval Acciones y Valores SA (AVAL) anticipates a challenging 2026 due to political volatility and electoral uncertainty in Colombia.
The company expects inflation to remain above the central bank's target range, leading to a higher interest rate environment.

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
Q4 2025 Grupo Aval Acciones y Valores SA Earnings Call
Feb 26, 2026 / 02:00PM GMT

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Presentation
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Unidentified_1 [1]
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Welcome to Gruppooval's 4th quarter 2025 consolidated results conference call. My name is Regina, and I will be your operator for today's call. Grupooval Axianesevallorea Grupooval 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.

Rufuval is also subject to the inspection and supervision of the superintendency of finance as holding company of the Aval 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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