Grupo Aval Acciones y Valores S.A. (AVAL) Q4 2024 Earnings Call Transcript

2025-02-21 21:32:13 ET

Grupo Aval Acciones y Valores S.A. (AVAL)

Q4 2024 Earnings Conference Call

February 19, 2025, 9:00 AM ET

Company Participants

Maria Lorena Gutierrez Botero - Chief Executive Officer

Paula Duran - Corporate Vice President of Sustainability and Strategic Projects

Camilo Perez Alvarez - Banco de Bogota's Chief Economist

Diego Fernando Solano Saravia - Chief Financial Officer

Conference Call Participants

Brian Flores - Citigroup

Nicolas Riva - BofA Securities

Carlos Gomez-Lopez - HSBC

Daniel Mora - CrediCorp Capital

Julian Ausique Chacon - Davivienda Corredores

Presentation

Operator

Welcome to Grupo Aval's Fourth Quarter 2024 Consolidated Results Conference Call. My name is Kelvin and I will be your operator for today's call. As a disclaimer, Grupo Aval Acciones y Valores S.A. is an issuer of securities in Colombia and in the United States.

As such, it is subject to compliance with securities regulations in Colombia and applicable US 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 the IFRS as currently issued by the IASB. Unconsolidated financial information of our subsidiaries and the Colombian banking system are presented in accordance with the Colombian IFRS as reported in 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.

These reports include forward-looking statements. In some cases, you can identify the forward-looking statements by words such as may, will, should, expects, plans, anticipates, believes, estimates, predicts, potential or continue or negative of these and other comparable words.

Actual results and events may differ materially from those anticipated herein and a consequence of the changes in general, economic, business conditions, changes in interest and currency rates and other risks described from time-to-time in our filings with the Registro Nacional de Valores y Emisores and the SEC.

Recipients of these documents are responsible for the assessment and use of the information provided herein. Matters described in this presentation and our knowledge of them may change extensively and materially over time, but we expressly disclaim any obligation to review, update or correct the information provided in this report, including any forward-looking statements and do not intend to provide any update for such material developments prior to our next earnings report.

The financial statements of Grupo Aval Acciones y Valores S.A., in accordance with Colombian regulations must be filed within the market and with the Superintendency of Finance with the opinion of an external auditor. At this time of solicitation, this process is still ongoing....

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