{
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  "organisationId": "O-8a2f5f87f05d4660841ae6bf41215370",
  "slug": "grupo-aval-acciones-y-valores-s-a",
  "name": "Grupo Aval Acciones Y Valores S.A.",
  "updatedAt": "2026-10-02T16:20:15.639181Z",
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    {
      "type": "OVERVIEW",
      "text": "Grupo Aval Acciones y Valores S.A. is a Colombian financial-services holding company, with core activities in banking, merchant banking, and pension and severance-fund management. Its products include consumer and commercial lending, credit cards, mortgages and factoring. Colombia is its primary market, with banking operations also extending across Central America through BAC Credomatic and other subsidiaries. [P152334158]\n\nThe company describes its mission as providing socially responsible, secure and accessible financial solutions that create value. It was constituted in 1994 and adopted the Grupo Aval Acciones y Valores name in 1998. For 2025, it reported COP 44.54 trillion in total external income and 18.0 million individual customers; its website reported 67,585 collaborators for that year. [P152334396][T17534280][T17533031][https://www.grupoaval.com/wps/portal/grupo-aval/aval/acerca-nosotros/mision-vision-valores][https://www.grupoaval.com/en/faq][https://www.grupoaval.com/es/impacto-social-empresarial-grupo-aval]\n[P152334158][P152334396][T17534280][T17533031][https://www.grupoaval.com/wps/portal/grupo-aval/aval/acerca-nosotros/mision-vision-valores][https://www.grupoaval.com/en/faq][https://www.grupoaval.com/es/impacto-social-empresarial-grupo-aval]",
      "updatedAt": "2026-10-02T16:20:15.639181Z"
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    {
      "type": "PRODUCTS",
      "text": "Grupo Aval Acciones y Valores S.A. is a holding company; its products and customer services are primarily offered through subsidiaries. Its banking subsidiaries provide commercial and consumer loans, mortgages, checking and savings accounts, time deposits, and payment and transfer services. Time deposits commonly carry fixed rates, and 75.4% had maturities of less than 12 months at year-end 2025. [P152336550][P152334440][P152334371]\n\nNamed Banco de Bogotá personal-banking products include Cuenta Fácil, a flexible account with selectable benefits, and the payroll accounts Camello and Cuenta Mi Trabajo, available to salaried customers with or without an employer agreement. Banco Popular specializes in payroll-deductible loans (libranzas). At year-end 2025, consumer loans represented 66.97% of Banco Popular’s gross loan portfolio; corresponding proportions were 53.50% at Banco AV Villas, 22.43% at Banco de Bogotá and 23.42% at Banco de Occidente. These figures describe loan-portfolio composition, not revenue. [T17533025][P152336134]\n\nBanking services are delivered through online and mobile banking, automated telephone services, ATMs, branches, payment centers and banking correspondents. Capabilities include loan and card payments, account transfers, bill payments, cash services and account inquiries; Red Aval allows customers to transact across subsidiary banks’ branches. [T17533048] Other subsidiary offerings include Porvenir’s mandatory and voluntary pension funds, severance funds and Aportes en Línea social-security payment solutions. In 2025, Grupo Aval reported Ps 1,165.5 billion in net commission and fee income, up 8.4%; pension and severance management fees rose 9.2%. [P152334491][P152335377]\n[P152336550][P152334440][P152334371][T17533025][P152336134][T17533048][P152334491][P152335377]",
      "updatedAt": "2026-10-02T16:20:15.639181Z"
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    {
      "type": "GEOGRAPHY",
      "text": "Grupo Aval’s principal operating geography is Colombia, where its banking subsidiaries provide commercial banking services. It also provides banking services in Panama through branches of Banco de Bogotá and Banco de Occidente. At December 31, 2025, the group reported 946 branches and 2,738 ATMs in Colombia; a regional breakdown of these locations is not included here. [P152334364][P152334560]\n\nThe company’s main offices and registered business address are in Bogotá, Colombia. Its listed significant indirect subsidiaries include operations in several Colombian locations, including Barranquilla, Bogotá, Cali, and Sabaneta, Antioquia. [P152336550][T17533510] Panama-related exposure should be interpreted in light of the filing’s classification of MFG as held for sale and a discontinued operation at year-end 2025. [P152335053] The available geographic information does not provide revenue, employee, or asset shares by country or region.\n[P152334364][P152334560][P152336550][T17533510][P152335053][https://www.sec.gov/Archives/edgar/data/1504764/000110465926044493/aval-20251231x20f.htm]",
      "updatedAt": "2026-10-02T16:20:15.639181Z"
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    {
      "type": "SEGMENTS",
      "text": "Grupo Aval’s FY2025 segment reporting presents four business segments. **Banking Services** covers banking operations and generated about 66.7% of group external income; **Merchant Banking** covers gas and energy, infrastructure, hotels and hospitality, and agribusiness, contributing about 28.8%; **Pension and Severance Fund Management** administers pension and severance funds, contributing about 3.9%; and **Holding** is reported separately, contributing about 0.7%. These approximate shares are calculated from FY2025 external income, not net income. [T17534280][T17534276][P152335004]\n\nThe group also reports segment asset mix: banking services represented 81.1% of consolidated assets, merchant banking 17.6%, and pension and severance fund management 1.3% at December 31, 2025. The four-segment presentation is distinct from the finer sector breakdown of Merchant Banking; eliminations are reported separately and are not an operating segment. [P152334360][T17534276][T17534280]\n[T17534280][T17534276][P152335004][P152334360]",
      "updatedAt": "2026-10-02T16:20:15.639181Z"
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    {
      "type": "HISTORY",
      "text": "Grupo Aval was established in Bogotá on January 7, 1994, with Luis Carlos Sarmiento Angulo identified in company materials as its founder. Its development built on earlier banking investments, including Banco de Bogotá, acquired by Sarmiento in 1987. [P152314113][https://www.grupoaval.com/wps/wcm/connect/grupo-aval/58f00701-faf7-4471-9562-d783757d2a0d/20190708-Board-Directors-Executive-Officers.pdf?MOD=AJPERES] In 1996, Grupo Aval acquired Banco Popular; Banco AV Villas joined its portfolio in 1997. The following year, Administraciones Bancarias S.A. changed its name to Grupo Aval Acciones y Valores S.A. [https://www.grupoaval.com/wps/wcm/connect/grupo-aval/a745b258-f7fd-4d96-88a1-6789eef125fd/Dec%2B2013%2BCorporate%2Bpresentation.pdf?MOD=AJPERES][https://www.grupoaval.com/es/servicios-bancarios-del-banco-avvillas][https://www.grupoaval.com/en/faq]\n\nIn 2010, Grupo Aval agreed to acquire BAC-Credomatic from GE, extending its banking operations into Central America. [https://www.ge.com/news/press-releases/ge-capital-global-banking-announces-sale-bac-credomatic-central-america-grupo-aval] In 2014, it completed an offering of preferred shares in the form of Level III ADRs/ADSs on the New York Stock Exchange. [https://www.grupoaval.com/wps/wcm/connect/grupo-aval/ccf2a366-d507-44ff-a159-1601da61041d/20150504-2014-Full-Year-Presentation.pdf?MOD=AJPERES] In 2016, Corficolombiana began consolidating directly into Grupo Aval rather than indirectly through Banco de Bogotá. [https://www.grupoaval.com/wps/wcm/connect/grupo-aval/260bcae8-92a9-4c7f-9614-9872b9aec589/201904-Grupo-Aval-Presentacion-Corporativa.pdf?MOD=AJPERES]\n\nIn 2022, Grupo Aval spun off its shares in BHI and deconsolidated the company; Banco de Bogotá subsequently sold a further stake. [P152311303] In December 2024, Grupo Aval acquired majority stakes in Fiduciaria Corficolombiana, now Aval Fiduciaria, and Casa de Bolsa, now Aval Casa de Bolsa. [P152312100] In March 2026, it completed the sale of its interest in Multi Financial Group, parent of Multibank, following an agreement reached in November 2025. [https://www.grupoaval.com/sites/default/files/2026-08/Presentaci%C3%B3n%20Corporativa%20Grupo%20Aval%20-%20Jun%202026%20-%20ESP.pdf]\n[P152314113][P152311303][P152312100][https://www.grupoaval.com/wps/wcm/connect/grupo-aval/58f00701-faf7-4471-9562-d783757d2a0d/20190708-Board-Directors-Executive-Officers.pdf?MOD=AJPERES][https://www.grupoaval.com/wps/wcm/connect/grupo-aval/a745b258-f7fd-4d96-88a1-6789eef125fd/Dec%2B2013%2BCorporate%2Bpresentation.pdf?MOD=AJPERES][https://www.grupoaval.com/es/servicios-bancarios-del-banco-avvillas][https://www.grupoaval.com/en/faq][https://www.ge.com/news/press-releases/ge-capital-global-banking-announces-sale-bac-credomatic-central-america-grupo-aval][https://www.grupoaval.com/wps/wcm/connect/grupo-aval/ccf2a366-d507-44ff-a159-1601da61041d/20150504-2014-Full-Year-Presentation.pdf?MOD=AJPERES][https://www.grupoaval.com/wps/wcm/connect/grupo-aval/260bcae8-92a9-4c7f-9614-9872b9aec589/201904-Grupo-Aval-Presentacion-Corporativa.pdf?MOD=AJPERES][https://www.grupoaval.com/sites/default/files/2026-08/Presentaci%C3%B3n%20Corporativa%20Grupo%20Aval%20-%20Jun%202026%20-%20ESP.pdf]",
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