Grupo Aval Acciones y Valores S.A. (AVAL) Q2 2025 Earnings Call Transcript

Grupo Aval Acciones y Valores S.A. (NYSE:AVAL) Q2 2025 Earnings Conference Call August 13, 2025 11:30 AM ET

Company Participants

Camilo Pérez Álvarez – Corporate Participant
Diego Fernando Solano Saravia – Chief Financial Officer
Maria Lorena Gutierrez Botero – President
Paula Durán – Corporate Participant

Conference Call Participants

Brian Flores – Citigroup Inc., Research Division
Daniel Mora – CrediCorp Capital, Research Division

Operator

Welcome to Grupo Aval’s Second Quarter 2025 Consolidated Results Conference Call. My name is Regina, and I will be your operator for today’s call.

Grupo Aval Acciones y Valores S.A. (“Grupo Aval”) 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 U.S. securities regulations. Grupo Aval is also subject to the inspection and supervision of the Superintendency of Finance as holding company of the Aval financial conglomerate.

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 subsidiaries and the Colombian banking system are presented in accordance with Colombian IFRS as reported the Superintendency of finance. Details of the calculations of non-IFRS measures such as ROAA and ROAE, among others, are explained when required in this report.

This report includes forward-looking statements. In some cases, you can identify these forward-looking statements by words such as “may,” will,” “should,” “expects,” “plans,” “anticipates,” “believes, estimates,” “predicts,” “potential,” or “continue,” or the negative of these and other comparable words. Actual results and events may differ materially from those anticipated herein as a consequence of changes in general economic and business conditions, changes in interest and currency rates and other risk described from time to time in our filings with the Registro Nacional de Valores y Emisores and the SEC.