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Banco Davivienda (PFDAVVNDA) investor relations material
Banco Davivienda Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary14 Nov, 2025
Executive summary
Achieved strong recovery and profitability in Q3 2025, with accumulated net profit reaching COP 1.1 trillion, significant year-over-year improvement, and robust digital transformation, including DaviPlata's evolution into a neobank and digital clients comprising 75.8% of the base.
Corporate restructuring advanced with the establishment of Davivienda Group as the holding company, completion of a share exchange and IPO, and consolidation of ownership to prepare for Scotiabank integration.
DaviPlata's loan book reached COP 69 billion, up 83.8% quarter-over-quarter and 388% year-over-year, with strong credit quality, expanded product offerings, and recognition as a carbon-neutral digital wallet.
Sustainable portfolio grew to COP 29.1 trillion, representing 20.1% of gross loans and a 47% year-over-year increase.
Issued USD 500 million in Tier II subordinated debt at 8.125% in July 2025, supporting capital structure.
Financial highlights
Pre-tax income reached COP 517 billion, up 17.4% sequentially and 163% year-over-year; accumulated net profit was COP 1.1 trillion, with ROAE of 9.03% for the quarter and 7.77% for the last 12 months.
Net profit for Q3 was COP 374 billion, down 13.9% quarter-over-quarter due to higher taxes, but underlying profitability improved.
Gross loans totaled COP 144.6 trillion, up 2.7% year-over-year, with mortgage loans leading at 10% growth.
NIM (including FX and derivatives) was 5.72% for the quarter and 5.70% for the last 12 months, both higher year-over-year.
Cost of risk improved to 2.49% (12M), down 178 bps year-over-year; coverage ratio for loans >90 days at 144.3%.
Outlook and guidance
2025 loan portfolio growth expected at 4%-6%, with NIM guidance at 5.6%-5.8% and cost of risk at 2.3%-2.5%.
ROE guidance raised to 8.5%-9% for 2025; CET1 expected at 11%-11.5%, total capital adequacy at 16.5%-17%.
Non-financial income to grow 3%-5%, operating expenses to rise 4%-5%, with cost-to-income ratio in the mid-50% range.
Guidance excludes impact from Scotiabank integration; 2026 soft guidance suggests mid to high single-digit loan growth and ROE around 10%.
DaviPlata active customer growth expectations
Explain 2026 consolidated ROE vs. stand-alone
Impact of share offering on Davivienda share liquidity
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Next Banco Davivienda earnings date
Q4 202520 Feb, 2026
Next Banco Davivienda earnings date
Q4 202520 Feb, 2026
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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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