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	Jun '26 Jun 30, 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	2,126,924	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	2,295,904	2,120,836	1,998,927	2,160,644	1,671,513	1,310,628
Interest Paid on Deposits	1,115,513	1,006,265	1,014,950	1,144,311	619,200	196,019
Interest Paid on Borrowings	141,701	130,227	187,870	332,067	145,179	41,993
Total Interest Expense	1,257,214	1,136,492	1,202,820	1,476,378	764,379	238,012
Net Interest Income	1,038,690	984,344	796,107	684,266	907,134	1,072,616
Net Interest Income Growth	20.58%	23.64%	16.35%	-24.57%	-15.43%	6.73%
Income From Trading Activities	17,689	1,916	-349	-1,355	-3,317	-3,326
Gain (Loss) on Sale of Assets	15,529	15,805	3,005	11,174	35	-3
Gain (Loss) on Sale of Investments	33,421	56,973	47,630	45,767	9,553	6,618
Gain (Loss) on Sale of Equity Investments	-1,570	-1,570	207	-1,938	1,450	1,649
Other Non-Interest Income	93,666	24,220	49,840	56,814	54,097	14,884
Total Non-Interest Income	275,194	213,803	210,511	222,215	172,025	116,219
Non-Interest Income Growth	18.44%	1.56%	-5.27%	29.18%	48.02%	-37.45%
Revenues Before Loan Losses	1,313,884	1,198,147	1,006,618	906,481	1,079,159	1,188,835
Provision for Loan Losses	330,026	333,149	240,938	448,888	157,819	149,159
Revenue	983,858	864,998	765,680	457,593	921,340	1,039,676
Revenue Growth	9.71%	12.97%	67.33%	-50.33%	-11.38%	10.85%
Salaries and Employee Benefits	166,575	335,005	317,733	297,262	277,892	262,234
Occupancy Expenses	3,848	88,279	84,215	79,334	69,905	66,504
Selling, General & Administrative	433,435	541,389	560,809	481,792	392,018	361,583
Other Non-Interest Expense	461,562	17,690	10,144	8,403	54,013	40,570
Total Non-Interest Expense	983,820	982,363	972,901	866,791	793,828	730,891
EBT Excluding Unusual Items	38	-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	2,060	-115,343	-204,602	-406,669	131,341	308,980
Income Tax Expense	-24,182	-62,743	-88,325	-165,665	27,566	116,732
Earnings From Continuing Operations	26,242	-52,600	-116,277	-241,004	103,775	192,248
Minority Interest in Earnings	-21	-	-	-605	-368	-428
Net Income	26,221	-52,600	-116,277	-241,609	103,407	191,820
Net Income to Common	26,221	-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
Diluted Shares Outstanding	-	225	225	225	225	225
Shares Change	-	-	-	-	-	-
EPS (Basic)	-	-234.06	-517.40	-1075.10	460.14	853.55
EPS (Diluted)	-	-234.06	-517.40	-1075.10	460.14	853.55
EPS Growth	-	-	-	-	-46.09%	17.48%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 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
Dividend Per Share	-	-	-	87.840	390.000	390.000
Dividend Growth	-	-	-	-77.48%	0%	36.67%
Effective Tax Rate	-	-	-	-	20.99%	37.78%