Grupo Aval(AVAL) - 2020 Q3 - Earnings Call Presentation

Financial Performance - Grupo Aval's consolidated assets grew by 22% year-over-year to COP 334 trillion[7] - Attributable net income for the quarter was COP 691 billion, with a year-to-date net income of COP 171 trillion[7] - Return on Average Assets (ROAA) was 15% and Return on Average Equity (ROAE) was 136% for the quarter[7] Loan Portfolio - Consolidated gross loans increased by 17% year-over-year to COP 210 trillion[7] - Consolidated deposits grew by approximately 25% year-over-year to COP 217 trillion[7] - The 90 days past due loans to gross loans ratio was 32% in 3Q20, compared to 33% in 3Q19 and 30% in 2Q20[6] Regional Performance - In Colombia, gross loans reached COP 1318 trillion, a 79% increase compared to 3Q19[10] - Deposits in Colombia amounted to COP 1326 trillion, up 127% from 3Q19[10] - Central America saw gross loans of COP 783 trillion, a 370% increase compared to 3Q19[10] - Deposits in Central America reached COP 845 trillion, a 500% increase from 3Q19[10] Key Ratios - The efficiency ratio improved to 440% in 3Q20, compared to 479% in 3Q19[6] - Net Interest Margin (NIM) was 51% in 3Q20, a decrease from 57% in 3Q19[6] - Deposits to Net Loans ratio stood at 107x[6]