Grupo Aval Acciones Y Valores Sa · BVC:GRUPOAVAL
Grupo Aval Acciones Y Valores Sa — BTG Pactual Latam CEO Conference (September 2026)
14 slides from Grupo Aval Acciones Y Valores Sa's conference presentation, September 2026
Slide 1: Corporate Presentation Grupo Aval
Corporate Presentation Grupo Aval September 2026
Slide 2: Disclaimer
DISCLAIMER 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 regulation. Grupo Aval is also subject to the inspection an
Slide 3: Macroeconomic Context – Colombia
MACROECONOMIC CONTEXT – COLOMBIA Colombia’s GDP Growth Investment / GDP (%) 10.8% 21.8 7.3% 19.7 21.4 3.2% 18.9 2.6% 2.4% 15.9 16.1 0.8% 1.5% 15.9 15.7 Total Fixed -7.2% 2018 2019 2020 2021 2022 2023 2024 2025 1Q26 2019 2020 2021 2022 2023 2024 2025 2026 Central Bank Rate and Inflation Evolution of
Slide 4: Grupo Aval at a Glance
GRUPO AVAL AT A GLANCE KEY FIGURES KEY INDICATORS OPERATING METRICS As of June 30th, 2026, Ps trillion vs. Jun 25 First Half 2026 vs. 1S25 Total Assets 350.7 +4.5% Deposits to gross loans 112.0% +4.0% Banking Clients* Branches* Assets Under Management 508.9 +14.5% Net Interest Margin 4.4% 43 pbs +18
Slide 5: Why Invest in Grupo Aval?
WHY INVEST IN GRUPO AVAL? Leadership in Diversified Conservative Credit Potential for Colombia Portfolio Profile Efficiency Gains Colombia’s leading Portfolio focused on Loan portfolio structure Centralization of functions financial conglomerate, three segments: with lower volatility in will enable
Slide 6: 2026 – 2031 Strategy
GRUPO AVAL: 2026 – 2031 STRATEGY We are AVAL, driving, supporting, and transforming businesses by creating opportunities, sustainable development, and progress for all our stakeholders. OWTH AND VALU GR E Profitable Businesses • Banks • Payments • Asset management • Investment banking • Insurance •
Slide 7: 2026 to 2031 Strategy – Growth and Value: Bank Services Segment
GRUPO AVAL: 2026 TO 2031 STRATEGY – GROWTH AND VALUE BANK SERVICES SEGMENT: As of June 30th, 2026, Ps trillion Gross Loans Deposits Total Income (1) Operating expenses (2) 196.7 tn 214.0 tn 7.7 tn (1H26) 4.5 tn +7.8% vs Jun 25 +10.7% vs Jun 25 +12.4% vs 1H25 +10.2% vs 1H25 Evolution of Margin After
Slide 8: Wealth Management and Asset Management Segment
GRUPO AVAL: 2026 TO 2031 STRATEGY – GROWTH AND VALUE WEALTH MANAGEMENT AND ASSET MANAGEMENT SEGMENT As of June 30th, 2026, Ps Assets Under Management Net Income Assets Under Management Net Income 302.8 tn 463.5 bn 206.1 tn 48.6 bn +19.6% vs Jun 25 +53.4% vs 1H25 +7.9% vs Jun 25 ROAE Clients Pension
Slide 9: Corfi Segment
GRUPO AVAL: 2026 TO 2031 STRATEGY – GROWTH AND VALUE CORFI SEGMENT: The largest toll road operator in The largest gas transportation and The largest business hotel chain in +26,000 hectares of arable Colombia distribution company in Colombia Colombia agricultural land #1 #1 #1 Non Financial Sector R
Slide 10: Technology and Innovation
GRUPO AVAL: TECHNOLOGY AND INNOVATION Know and serve our customers better Accelerate digital business Turns every interaction into insight, enabling more relevant Aval Enables Grupo Aval to launch and 0 Di scale digital products faster. We are 36 solutions and deeper customer relationships. g nearin
Slide 11: Sustainability: Return with Purpose
GRUPO AVAL: SUSTAINABILITY R Return with Purpose ¡We strengthened and accelerated our sustainability performance.! Sustainable Return on Equity ESG Strategy R O E We achieved a historic score of 81/100, and were It achieved a score of Ranked #1 globally in its It achieved a score of It achieved a sc
Slide 12: Sustainability: Opportunities for All and Environmental Balance
GRUPO AVAL: SUSTAINABILITY O Opportunities for All E Environmental Balance We invested $85,000 million COP We joined with our main entities in in social programs benefiting 2 million people, through projects the Partnership for Carbon focused on community infrastructure, education and research, Acco
Slide 13: Guidance 2026
GRUPO AVAL: GUIDANCE 2026 Macroeconomic Variables GDP 2.4% area Inflation 6.8% area Central Bank Rate 12.5% area Business Gross Loans Growth 10.5% area Comercial 8% area Retail 14% area Total NIM 4.2% area NIM on Loans 4.4% area Total NIM (Banking Segment) 4.9% area NIM on Loans (Banking Segment) 5.
Slide 14: Investor Relations Contact
Investor Relations Contact Investorrelations@grupoaval.com Diego Solano Chief Financial Officer Tel: (601) 7433222 x 23332 dsolano@grupoaval.com Simón Franky Senior Director of Financing Planning & IR Tel: (601) 7433222 x 23351 sfranky@grupoaval.com
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