Banco Comercial AV Villas Income Statement

Financials in millions COP. Fiscal year is January - December.

Millions COP. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	2,024,284	1,951,856	1,866,755	1,979,292	1,536,215	1,218,225
Interest Income on Investments	168,980	168,980	132,172	181,352	135,298	92,403
Total Interest Income	2,193,264	2,120,836	1,998,927	2,160,644	1,671,513	1,310,628
Interest Paid on Deposits	1,047,190	1,006,265	1,014,950	1,144,311	619,200	196,019
Interest Paid on Borrowings	132,427	130,227	187,870	332,067	145,179	41,993
Total Interest Expense	1,179,617	1,136,492	1,202,820	1,476,378	764,379	238,012
Net Interest Income	1,013,647	984,344	796,107	684,266	907,134	1,072,616
Net Interest Income Growth (YoY)	19.00%	23.64%	16.35%	-24.57%	-15.43%	6.73%
Income From Trading Activities	1,916	1,916	-349	-1,355	-3,317	-3,326
Gain (Loss) on Sale of Assets	16,099	15,805	3,005	11,174	35	-3
Gain (Loss) on Sale of Investments	65,102	56,973	47,630	45,767	9,553	6,618
Gain (Loss) on Sale of Equity Investments	-602	-1,570	207	-1,938	1,450	1,649
Other Non-Interest Income	35,331	24,220	49,840	56,814	54,097	14,884
Total Non-Interest Income	234,305	213,803	210,511	222,215	172,025	116,219
Non-Interest Income Growth (YoY)	17.54%	1.56%	-5.27%	29.18%	48.02%	-37.45%
Revenues Before Loan Losses	1,247,952	1,198,147	1,006,618	906,481	1,079,159	1,188,835
Provision for Loan Losses	355,951	333,149	240,938	448,888	157,819	149,159
Revenue	892,001	864,998	765,680	457,593	921,340	1,039,676
Revenue Growth (YoY)	0.20%	12.97%	67.33%	-50.33%	-11.38%	10.85%
Salaries and Employee Benefits	330,247	335,005	317,733	297,262	277,892	262,234
Occupancy Expenses	89,627	88,279	84,215	79,334	69,905	66,504
Selling, General & Administrative	548,207	541,389	560,809	481,792	392,018	361,583
Other Non-Interest Expense	17,402	17,690	10,144	8,403	54,013	40,570
Total Non-Interest Expense	973,698	982,363	972,901	866,791	793,828	730,891
EBT Excluding Unusual Items	-81,697	-117,365	-207,221	-409,198	127,512	308,785
Asset Writedown	2,022	2,022	2,619	2,529	3,829	195
Pretax Income	-79,675	-115,343	-204,602	-406,669	131,341	308,980
Income Tax Expense	-54,495	-62,743	-88,325	-165,665	27,566	116,732
Earnings From Continuing Operations	-25,180	-52,600	-116,277	-241,004	103,775	192,248
Minority Interest in Earnings	-	-	-	-605	-368	-428
Net Income	-25,180	-52,600	-116,277	-241,609	103,407	191,820
Net Income to Common	-25,180	-52,600	-116,277	-241,609	103,407	191,820
Net Income Growth	-	-	-	-	-46.09%	17.48%
Basic Shares Outstanding	225	225	225	225	225	225
Diluted Shares Outstanding	225	225	225	225	225	225
EPS (Basic)	-112.04	-234.06	-517.40	-1075.10	460.14	853.55
EPS (Diluted)	-112.04	-234.06	-517.40	-1075.10	460.14	853.55
EPS Growth	-	-	-	-	-46.09%	17.48%
Dividend Per Share	-	-	-	87.840	390.000	390.000
Dividend Growth	-	-	-	-77.48%	-	36.67%
Effective Tax Rate	-	-	-	-	20.99%	37.78%