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Banco Davivienda (PFDAVVNDA) investor relations material
Banco Davivienda Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary15 Aug, 2025
Executive summary
Achieved solid progress in core business with effective risk and cost management, driving improved profitability and capital ratios despite a mixed macroeconomic environment in Colombia and Central America.
Total assets reached $46.6 billion as of June 2025, up 3.4% year-over-year, with gross loans at $35.7 billion, up 3.9% year-over-year.
Net profit for 2Q25 reached COP 434 billion, up 49.2% quarter-over-quarter, driven by higher investment income, lower financial expenses, and reduced operating costs.
DaviPlata platform saw strong growth, with 18.7 million users and deposits up 18% year-over-year, supporting low-cost funding and transactional income.
Successfully issued $500 million in Tier 2 subordinated debt, strengthening capital base for future growth and integration.
Financial highlights
Net profit for the quarter was COP 434 billion, up 49.2% sequentially, driven by core business recovery, treasury and derivatives income, and lower taxes.
Net interest margin (NIM) including FX and derivatives rose to 5.83%, up 15 bps from the previous quarter.
Operating expenses decreased by 1.1% quarter-over-quarter; cost-to-income ratio improved to 52.9%.
Gross loans grew 3.9% year-over-year, with commercial and mortgage loans leading growth and consumer loans stabilizing.
CET1 ratio at 11.38%, total capital adequacy at 15.58%, and leverage ratio at 8.22%.
Outlook and guidance
Updated 2025 guidance: consolidated loan book growth of 6–8%, with commercial and mortgage portfolios growing 7–9% and consumer 4–6%.
Asset quality expected to improve, with 90-day PDL ratio closing between 3.5% and 4%.
NIM (including FX and derivatives) expected at 5.6–5.8%; cost of risk at 2.4–2.6%.
Integration of Scotiabank’s operations in Colombia, Costa Rica, and Panama is expected to increase assets by 40%, pending regulatory approval.
ROE guidance raised to 7–8.5% for 2025, with sustainable ROE expected to reach 14–16% post-Scotiabank integration by 2028.
How does Davivienda support clean energy?
What is Daviplata's strategy to move money?
What is driving the growth in term deposits?
How did Central America loan growth perform?
Explain the increase in digital deposits.
What factors drove the CET1 ratio increase?
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Next Banco Davivienda earnings date
Q3 202514 Nov, 2025
Next Banco Davivienda earnings date
Q3 202514 Nov, 2025
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Frequently asked questions
Banco Davivienda S.A., commonly known as Davivienda, is a major Colombian financial institution that provides a range of banking services tailored to individual consumers, businesses, and the agricultural sector. The bank's comprehensive offerings include savings and checking accounts, credit and debit cards, vehicle and commercial loans, home mortgages, consumer finance, and business financing. Additionally, Davivienda delivers transactional services, wealth management, insurance solutions, and online banking capabilities. The company is headquartered in Bogota, Colombia, and its shares are listed on the Colombian Stock Exchange.
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