Description of Grupo Aval Acciones Y Valores S A's Business Segments

The registrant's primary operating segments are Banking Services, Pension and Severance Fund Management, Merchant Banking, and the Holding Company, which comprises the combined financial statements of Grupo Aval Acciones y Valores S.A. and Grupo Aval Ltd. The Banking Services segment delivers commercial banking in Colombia through Banco de Bogotá, Banco de Occidente, Banco Popular, and Banco AV Villas, and provides core banking products in Panama via branches of Banco de Bogotá and Banco de Occidente. This segment also offers services including bancassurance, insurance, trust and fiduciary services, investment banking, bonded warehousing, real estate escrow, merchandise and document storage and deposit, customs agency, cargo management, surety bond and merchandise distribution, payment and collection services, and foreign currency deposit and lending operations. The registrant operates the Red Aval network, comprising 2,738 ATMs across Colombia, enabling customers to perform basic banking transactions at any Grupo Aval bank branch. As of December 31, 2025, the banking services segment accounted for 81.1% of total consolidated assets, the merchant banking segment 17.6%, and the pension and severance fund management segment 1.3%. The registrant manages Ps 348.9 trillion in on-balance sheet assets and Ps 469.5 trillion in off-balance sheet assets on a consolidated basis.

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Annual Report on Grupo Aval Acciones Y Valores S a Divisions, Sales by Country


Banking Services	18.12 %	of total Revenue
Merchant Banking	50.42 %	of total Revenue
Pension and Severance Fund Management	6.86 %	of total Revenue
Holding	1.25 %	of total Revenue
Elimination of interamounts	-1.67 %	of total Revenue
Elimination of interamounts Banking Services	5.77 %	of total Revenue
Elimination of interamounts Merchant Banking	0.43 %	of total Revenue
Elimination of interamounts Pension and Severance Fund Management	0.08 %	of total Revenue
Elimination of interamounts Holding	9.25 %	of total Revenue
Goods or services transferred at point in time	6.47 %	of total Revenue
Goods or services transferred over time	68.52 %	of total Revenue
Banking Services Goods or services transferred at point in time	1.19 %	of total Revenue
Banking Services Goods or services transferred over time	16.94 %	of total Revenue
Merchant Banking Goods or services transferred at point in time	4.9 %	of total Revenue
Merchant Banking Goods or services transferred over time	45.52 %	of total Revenue
Pension and Severance Fund Management Goods or services transferred at point in time	0.45 %	of total Revenue
Pension and Severance Fund Management Goods or services transferred over time	6.4 %	of total Revenue
Holding Goods or services transferred at point in time	1.25 %	of total Revenue
Elimination of interamounts Goods or services transferred at point in time	-1.33 %	of total Revenue
Elimination of interamounts Goods or services transferred over time	-0.34 %	of total Revenue
Energy and Gas	33.8 %	of total Revenue
Infrastructure	11.12 %	of total Revenue
Hotels	3.62 %	of total Revenue
Agribusiness	1.5 %	of total Revenue
Other services	1.32 %	of total Revenue
COLOMBIA	211.37 %	of total Revenue
PANAMA	3.21 %	of total Revenue
BARBADOS	0.4 %	of total Revenue
PERU	5.03 %	of total Revenue
BRAZIL	0 %	of total Revenue

Twelve months ended 2025
AVAL s Annual Revenue by Geography and Business Segments	Sales (in millions $)	% (of total Sales)
Banking Services	935.32	18.12 %
Merchant Banking	2,602.47	50.42 %
Pension and Severance Fund Management	353.81	6.86 %
Holding	64.71	1.25 %
Elimination of interamounts	-86.27	-1.67 %
Elimination of interamounts Banking Services	297.80	5.77 %
Elimination of interamounts Merchant Banking	22.04	0.43 %
Elimination of interamounts Pension and Severance Fund Management	4.02	0.08 %
Elimination of interamounts Holding	477.15	9.25 %
Goods or services transferred at point in time	333.78	6.47 %
Goods or services transferred over time	3,536.26	68.52 %
Banking Services Goods or services transferred at point in time	61.17	1.19 %
Banking Services Goods or services transferred over time	874.15	16.94 %
Merchant Banking Goods or services transferred at point in time	253.02	4.9 %
Merchant Banking Goods or services transferred over time	2,349.45	45.52 %
Pension and Severance Fund Management Goods or services transferred at point in time	23.43	0.45 %
Pension and Severance Fund Management Goods or services transferred over time	330.38	6.4 %
Holding Goods or services transferred at point in time	64.71	1.25 %
Elimination of interamounts Goods or services transferred at point in time	-68.55	-1.33 %
Elimination of interamounts Goods or services transferred over time	-17.72	-0.34 %
Energy and Gas	1,744.21	33.8 %
Infrastructure	573.92	11.12 %
Hotels	186.74	3.62 %
Agribusiness	77.19	1.5 %
Other services	68.35	1.32 %
COLOMBIA	10,908.93	211.37 %
PANAMA	165.50	3.21 %
BARBADOS	20.65	0.4 %
PERU	259.63	5.03 %
BRAZIL	0.00	0 %
Total	5,161.09	100 %

Twelve months ended 2025
AVAL s Annual Income by Country and Business Segments	Income (in millions $)	% (Profit Margin)
Total	819.63	15.88 %

Twelve months ended 2025
Annual Revenue and Income Growth by Country and Business Segments	% Y/Y Sales Growth	% Y/Y Income Growth
Banking Services	6.01 %	-
Merchant Banking	-6.34 %	-
Pension and Severance Fund Management	9.29 %	-
Holding	-10.93 %	-
Elimination of interamounts	-	-
Elimination of interamounts Banking Services	10.69 %	-
Elimination of interamounts Merchant Banking	-16.46 %	-
Elimination of interamounts Pension and Severance Fund Management	2.73 %	-
Elimination of interamounts Holding	61.35 %	-
Goods or services transferred at point in time	74.34 %	-
Goods or services transferred over time	-6.11 %	-
Banking Services Goods or services transferred at point in time	34.31 %	-
Banking Services Goods or services transferred over time	4.47 %	-
Merchant Banking Goods or services transferred at point in time	95.6 %	-
Merchant Banking Goods or services transferred over time	-11.32 %	-
Pension and Severance Fund Management Goods or services transferred at point in time	8.38 %	-
Pension and Severance Fund Management Goods or services transferred over time	9.36 %	-
Holding Goods or services transferred at point in time	-10.93 %	-
Elimination of interamounts Goods or services transferred at point in time	-	-
Elimination of interamounts Goods or services transferred over time	-	-
Energy and Gas	-0.97 %	-
Infrastructure	-23.69 %	-
Hotels	16.05 %	-
Agribusiness	-2.28 %	-
Other services	7.87 %	-
COLOMBIA	-0.49 %	-
PANAMA	-9.43 %	-
BARBADOS	4.41 %	-
PERU	-7.26 %	-
Other countries	-	-

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