Grupo Aval Acciones y Valores S.A. (AVAL)
NYSE: AVAL · Real-Time Price · USD
4.150
-0.060 (-1.43%)
Dec 5, 2025, 4:00 PM EST - Market closed
AVAL Income Statement
Financials in millions COP. Fiscal year is January - December.
Millions COP. Fiscal year is Jan - Dec.
Fiscal Year | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | 2019 - 2015 |
|---|---|---|---|---|---|---|---|
Period Ending | Sep '25 Sep 30, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 | Dec '20 Dec 31, 2020 | 2019 - 2015 |
| Interest Income on Loans | 24,141,645 | 25,465,582 | 26,534,115 | 17,559,516 | 11,882,144 | 12,458,065 | Upgrade
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| Interest Income on Investments | 2,716,350 | 2,716,350 | 2,385,289 | 1,843,516 | 909,265 | 758,033 | Upgrade
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| Total Interest Income | 26,857,995 | 28,181,932 | 28,919,404 | 19,403,032 | 12,791,409 | 13,216,098 | Upgrade
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| Interest Paid on Deposits | 13,316,116 | 15,194,029 | 16,214,226 | 7,756,432 | 2,637,945 | 3,577,750 | Upgrade
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| Interest Paid on Borrowings | 5,720,304 | 5,720,304 | 6,418,204 | 3,907,963 | 2,022,885 | 2,223,895 | Upgrade
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| Total Interest Expense | 19,036,420 | 20,914,333 | 22,632,430 | 11,664,395 | 4,660,830 | 5,801,645 | Upgrade
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| Net Interest Income | 7,821,575 | 7,267,599 | 6,286,974 | 7,738,637 | 8,130,579 | 7,414,453 | Upgrade
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| Net Interest Income Growth (YoY) | 15.02% | 15.60% | -18.76% | -4.82% | 9.66% | -34.30% | Upgrade
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| Income From Trading Activities | 1,404,404 | 1,404,404 | -916,049 | 1,559,626 | 922,281 | 1,288,142 | Upgrade
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| Gain (Loss) on Sale of Assets | 21,403 | 79,966 | 364,323 | 125,449 | 19,387 | 102,286 | Upgrade
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| Gain (Loss) on Sale of Investments | -43,881 | 146,006 | 121,644 | -151,422 | 82,980 | 457,017 | Upgrade
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| Gain (Loss) on Sale of Equity Investments | 374,385 | 378,396 | 371,397 | 372,777 | 300,217 | 219,918 | Upgrade
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| Other Non-Interest Income | 7,587,438 | 6,642,426 | 9,681,100 | 6,437,862 | 6,383,784 | 5,976,568 | Upgrade
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| Total Non-Interest Income | 9,343,749 | 8,651,198 | 9,622,415 | 8,344,292 | 7,708,649 | 8,043,931 | Upgrade
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| Non-Interest Income Growth (YoY) | 1.79% | -10.09% | 15.32% | 8.25% | -4.17% | -20.55% | Upgrade
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| Revenues Before Loan Losses | 17,165,324 | 15,918,797 | 15,909,389 | 16,082,929 | 15,839,228 | 15,458,384 | Upgrade
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| Provision for Loan Losses | 3,728,358 | 4,180,874 | 4,195,265 | 2,476,425 | 2,720,423 | 4,264,031 | Upgrade
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| Revenue | 13,436,966 | 11,737,923 | 11,714,124 | 13,606,504 | 13,118,805 | 11,194,353 | Upgrade
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| Revenue Growth (YoY) | 17.39% | 0.20% | -13.91% | 3.72% | 17.19% | -36.38% | Upgrade
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| Salaries and Employee Benefits | 3,364,559 | 3,211,591 | 3,055,168 | 2,833,794 | 2,634,187 | 2,481,563 | Upgrade
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| Occupancy Expenses | 1,065,949 | 995,668 | 968,487 | 913,090 | 841,996 | 803,539 | Upgrade
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| Amortization of Goodwill & Intangibles | 307,907 | 253,737 | 240,804 | 225,137 | 206,688 | 181,448 | Upgrade
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| Selling, General & Administrative | 1,541,932 | 1,433,252 | 1,342,866 | 1,252,006 | 1,136,988 | 1,176,541 | Upgrade
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| Other Non-Interest Expense | 2,645,885 | 2,511,751 | 2,493,840 | 1,869,608 | 1,738,577 | 1,461,227 | Upgrade
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| Total Non-Interest Expense | 9,169,866 | 8,627,018 | 8,301,460 | 7,382,596 | 6,775,161 | 6,302,156 | Upgrade
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| EBT Excluding Unusual Items | 4,267,100 | 3,110,905 | 3,412,664 | 6,223,908 | 6,343,644 | 4,892,197 | Upgrade
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| Asset Writedown | 32,306 | 26,999 | 74,886 | 50,463 | 20,974 | -50,326 | Upgrade
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| Pretax Income | 4,299,406 | 3,137,904 | 3,487,550 | 6,274,371 | 6,364,618 | 4,841,871 | Upgrade
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| Income Tax Expense | 1,182,485 | 946,427 | 1,310,434 | 2,271,404 | 2,323,428 | 1,360,067 | Upgrade
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| Earnings From Continuing Operations | 3,116,921 | 2,191,477 | 2,177,116 | 4,002,967 | 4,041,190 | 3,481,804 | Upgrade
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| Earnings From Discontinued Operations | - | - | - | 593,990 | 1,118,556 | 790,340 | Upgrade
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| Minority Interest in Earnings | -1,458,136 | -1,176,390 | -1,438,113 | -2,114,072 | -1,862,010 | -1,922,623 | Upgrade
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| Net Income | 1,658,785 | 1,015,087 | 739,003 | 2,482,885 | 3,297,736 | 2,349,521 | Upgrade
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| Net Income to Common | 1,658,785 | 1,015,087 | 739,003 | 2,482,885 | 3,297,736 | 2,349,521 | Upgrade
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| Net Income Growth | 103.13% | 37.36% | -70.24% | -24.71% | 40.36% | -22.57% | Upgrade
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| Basic Shares Outstanding | 23,743 | 23,743 | 23,743 | 23,142 | 22,281 | 22,281 | Upgrade
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| Diluted Shares Outstanding | 23,743 | 23,743 | 23,743 | 23,142 | 22,281 | 22,281 | Upgrade
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| Shares Change (YoY) | - | - | 2.60% | 3.87% | - | - | Upgrade
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| EPS (Basic) | 69.86 | 42.75 | 31.12 | 107.29 | 148.01 | 105.45 | Upgrade
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| EPS (Diluted) | 69.86 | 42.75 | 31.12 | 107.29 | 148.01 | 105.45 | Upgrade
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| EPS Growth | 103.13% | 37.36% | -70.99% | -27.51% | 40.36% | -22.57% | Upgrade
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| Dividend Per Share | - | - | 24.000 | 43.200 | 54.000 | 54.000 | Upgrade
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| Dividend Growth | - | - | -44.44% | -20.00% | - | -10.00% | Upgrade
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| Effective Tax Rate | 27.50% | 30.16% | 37.57% | 36.20% | 36.50% | 28.09% | Upgrade
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Source: S&P Capital IQ. Banks template. Financial Sources.