Grupo Aval Acciones Y Valores Sa · BVC:GRUPOAVAL
Grupo Aval Acciones Y Valores Sa — Q2 2013 Earnings Presentation
15 slides from Grupo Aval Acciones Y Valores Sa's earnings presentation, Oct 2, 2013
Slide 1: 2Q2013 Consolidated Earnings Results
[GRAPHIC OMITTED] September 2013 2Q2013 Consolidated Earnings Results Colombian Banking GAAP
Slide 2: Disclaimer
Disclaimer [GRAPHIC OMITTED] Grupo Aval Acciones y Valores S.A. ("Grupo Aval") is an issuer in Colombia of securities registered with the National Registry of Shares and Issuers (Registro Nacional de Valores y Emisores), and in this capacity, it is subject to the control of the Superintendency of Fi
Slide 3: Highlights
Highlights [GRAPHIC OMITTED] [] During 2Q2013, Aval purchased additional participations in Banco de Bogot[], from 64.44% to 66.47%, and in Banco de Occidente, from 68.24% to 72.05% . [] On April 18th, 2013, Grupo Aval closed the acquisition of AFP Horizonte. [] Total assets grew by 16.4% to Ps. 138.
Slide 4: Macroeconomic fundamentals
Macroeconomic fundamentals [GRAPHIC OMITTED] Strong GDP Growth [GRAPHIC OMITTED] Source: IMF(Projections) and DANE. (1) Colombia nominal GDP per capita in thousands of USD, IMF. Inflation vs. Nominal Interest Rates [GRAPHIC OMITTED] Source: Banco de la Rep[]blica de Colombia. (1) Average of daily ra
Slide 5: Assets
Assets Figures in Ps. Trillions Total Assets [GRAPHIC OMITTED] Assets Breakdown [GRAPHIC OMITTED] (1) Foreign operations reflect Central American operations.
Slide 6: Loans
Loans Figures in Ps. Trillions [GRAPHIC OMITTED] [GRAPHIC OMITTED]
Slide 7: Loan portfolio quality (1/2)
Loan portfolio quality (1/2) NPLs / Total loans PDLs / Total loans [GRAPHIC OMITTED] Charge offs / Average NPLs [GRAPHIC OMITTED] Loan provision expense / Average Loans [GRAPHIC OMITTED] Allowances Allowances / / NPLs PDLs [GRAPHIC OMITTED]
Slide 8: Loan portfolio quality (2/2)
Loan portfolio quality (2/2) [GRAPHIC OMITTED] PDLs per Loan Category % / Total Loans Past Due Loans (1) ======================= ==== ==================== ===== 2Q13 2Q12 1Q13 2Q13 Commercial 56.7% 1.3% 1.5% 1.3% Consumer 29.2% 3.7% 4.3% 4.4% Financial leases 7.9% 2.8% 3.6% 2.6% Mortgages 5.9% 3.8%
Slide 9: Funding
Funding Figures in Ps. Trillions Total Funding [GRAPHIC OMITTED] Total Deposits [GRAPHIC OMITTED] Deposits ========== Bank and ========== Long-Term ========== Interbanks ========== Saving Dep =========== Time Depos =========== Checking ac =========== Others =========== Deposits / Net Loans (%) [GRAP
Slide 10: Capital
Capital Figures in Ps. Trillions Attributable Equity + Minority Interest [GRAPHIC OMITTED] Attributable Shareholders Equity [GRAPHIC OMITTED] 2Q12 1Q13 2Q13 -------------------------------- ---- ---- ---- Total Equity 13.8 14.8 14.6 -------------------------------- ---- ---- ---- Attributable Shareh
Slide 11: NIM – Net Interest Margin
NIM -- Net Interest Margin [GRAPHIC OMITTED] Net interest income (trillions) 2Q13/ 2Q12 2Q13 2Q12 1.5 1.6 7.3% [GRAPHIC OMITTED] (1) Loans Interest Margin: Net Interest Income on Loans divided by Average loans and financial leases. (2) Net Investment Margin: Net Interest income on Debt securities an
Slide 12: Net Fees and other operating income
Net Fees and other operating income Figures in Ps. Billions Net Fees(1) [GRAPHIC OMITTED] Fee Income 2Q13 [GRAPHIC OMITTED] Other operating income [GRAPHIC OMITTED] Other operating income 2Q13 2Q12 1Q13 2Q13 ------------------------------------- ----- ----- ----- Dividend Income 27 181 6 Foreign exc
Slide 13: Efficiency
Efficiency [GRAPHIC OMITTED] Operating Expenses (billions) 2Q13/ 2Q12 2Q13 2Q12 1,271 1,533 20.6% Operating expenses / -------------------- Operating Income -------------------- [GRAPHIC OMITTED] Operating expenses / --------------------- Average Assets --------------------- [GRAPHIC OMITTED] Effici
Slide 14: Profitability
Profitability Figures in Ps. Billions Net income [GRAPHIC OMITTED] (1) ROAE for each quarter is calculated as annualized Net Income attributable for Aval's shareholders divided by average shareholders' equity. (2) ROAA for each quarter is calculated as annualized Net Income before Minority Interest
Slide 15: [GRAPHIC OMITTED]
[GRAPHIC OMITTED] Item 99.2
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