Grupo Aval Acciones y Valores S.A. ADR (Each representing 20 preferred shares) (AVAL) Q3 2025 Earnings Call

Investor webinar replay

Replay transcript excerpt

Welcome to Grupo Eval's third quarter 2025 Consolidated Results Conference Call. My name is Regina, and I will be your operator for today's call. Grupo Eval Acciones y Valores S.A. Grupo Eval 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 Eval is also subject to the inspection and supervision of the Superintendency of Finance, as holding company of the Evolve 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 risks described from time to time in our filings with the Registro Nacional de Valores y Emisores in the SEC. Recipients of this document 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 tim...