Banco Davivienda SA (BOG:PFDAVVNDA)

Q3 2025 Banco Davivienda SA Earnings Call Transcript

Nov 14, 2025 / 02:00 PM GMT

Release Date Price: COP30460 (+3.61%)

Transcript

Key Points

Positve

Banco Davivienda SA (BOG:PFDAVVNDA) reported a 17.4% increase in pre-tax income compared to the previous quarter, reflecting strong core business performance.
The bank's loan portfolio showed stable performance, with consumer and mortgage portfolios continuing to grow quarter over quarter.
Credit quality improved, with the 12-month cost of risk decreasing by around 180 basis points year over year to 2.49%.
The bank's capital ratios remain solid, with an 11.8% CET1 ratio and a 17.5% total capital ratio.
The bank's digital platform, Dari Plata, continues to expand, showing strong growth in deposits and credit portfolio, and is expected to reach break-even by the end of next year.

Negative

Inflation in Colombia resumed an upward trend, rising from 4.8% in June to 5.2% in September, primarily due to higher food prices.
The commercial loan portfolio decreased by 2.1% in the quarter, influenced by the appreciation of the Colombian peso and prepayments.
Net profit for the quarter decreased by 13.9% quarterly due to a base effect from the second quarter when tax benefits were recognized simultaneously.
The bank's guidance for loan portfolio growth has been adjusted downwards to 4-6% from the previous range of 6-8%, reflecting a more conservative outlook for local credit demand.
The integration of Scotiabank's operations is expected to bring both operating expenses and integration costs, potentially impacting consolidated ROE in the short term.

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

DVI_p.CN - Banco Davivienda SA
Q3 2025 Banco Davivienda SA Earnings Call
Nov 14, 2025 / 02:00PM GMT

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Presentation
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Unidentified_1 [1]
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Welcome to the Vivienda's 3rd quarter of 2025 earnings conference call. I'm Karen, and I'll be your operator for today's call.

Today's presentation is for investors and analysts only. Therefore, questions from the media will not be addressed.

Today, Mr. Javier Suarez, Chief Executive Officer, and Mr. Alvaro Cabo, Chief Risk Officer, will join us to discuss the quarterly results that have been released.

If you have not yet received a copy of the earnings report and presentation, please visit the Vivienda's investor kit or the financial information section at IR.davienda.com.

All participants are in a listen-only mode at this time. Please note that this conference is being recorded. Afterward,

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