Grupo Aval Acciones y Valores SA (NYSE:AVAL) Q3 2024 Earnings Conference Call November 14, 2024 9:00 AM ET
Company Participants
Maria Gutierrez Botero - CEO
Paula Duran - Corporate VP of Sustainability and Strategic Projects
Camilo Perez - Banco de Bogota's Chief Economist
Diego Solano - CFO
Conference Call Participants
Brian Flores - Citi
Daniel Mora - Credicorp Capital
Marlon Medina - J.P. Morgan
Julian Ausique - Davivienda
Operator
Welcome to Grupo Aval's Third Quarter 2024 Consolidated Results Conference Call. My name is Regina and I will be your operator for today's call.
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 regulations. Grupo Aval is also subject to the inspection and supervision of the Superintendency of Finance as holding company of the Aval 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 to 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 time. We expressly disclaim any obligation to review, update, or correct the information provided in this report, including any forward-looking statements, and do not intend to provide any update for such material developments prior to our next earnings report. The content of this document and the figures included herein are intended to provide a summary of the subjects discussed, rather than a comprehensive description.