Sustainability
SUSTAINABILITY | OUR STRATEGY
Sustainable ROE balances financial performance with the creation of value for society and care for the environment through three pillars: Profitability with a Purpose, Opportunities for All, and Balance with the Planet.
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Profitability with a Purpose
We drive economic performance and strengthen corporate governance to generate sustainable, long-term value.
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Opportunities for All
We create opportunities that bridge gaps, promote inclusion, and improve the quality of life in the regions where we operate.
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Opportunities for All
We act with environmental responsibility, seeking a balance between development and the conservation of natural resources.
MANAGEMENT AND SUSTAINABILITY REPORTS
Each year, the Management and Sustainability Reports transparently present Grupo Aval’s key progress, results, and challenges, reflecting how its management transforms opportunities and challenges into economic, social, and environmental value for its stakeholders and for the country’s sustainable development.
2025 MANAGEMENT AND SUSTAINABILITY REPORT
OTHER MANAGEMENT AND SUSTAINABILITY REPORTS
MATERIALITY
Materiality is the process through which Grupo Aval identifies and prioritizes the economic, social, environmental, and governance issues most relevant to its strategy and stakeholders.
Using a dual materiality approach, it assesses both the impact its activities have on people, society, and the environment, and the risks and opportunities these issues present for the business’s performance and value creation.
DOUBLE MATERIALITY MATRIX
Grupo Aval’s materiality framework is developed through a comprehensive process that is reviewed annually and updated every two years to ensure its relevance and alignment with corporate strategy. This process incorporates dialogue with internal and external stakeholders, as well as an assessment of the key ESG impacts, risks, and opportunities.
The results are consolidated into a double materiality matrix, which prioritizes the issues most relevant to the business and to society.
Learn about our Double Materiality Analysis
STAKEHOLDER ENGAGEMENT
Grupo Aval maintains an ongoing dialogue with its stakeholders—defined as those parties that influence or are impacted by its management. This engagement strengthens trust, enriches decision-making, and contributes to the creation of sustainable value for all. Our main stakeholders are:
Board of Directors
Board of Directors
The body responsible for guiding Grupo Aval’s strategy and overseeing its management, promoting transparent governance and a long-term vision.
Subsidiaries
Subsidiaries
Companies that are part of Grupo Aval and with which it works in a coordinated manner to generate value, drive sustainable performance, and advance the achievement of common objectives.
Shareholders and Investors
Shareholders and Investors
Individuals and organizations that place their trust in Grupo Aval and invest in its growth, contributing to the creation of sustainable value over time.
Media and Opinion Leaders
Media and Opinion Leaders
Stakeholders who help inform, analyze, and amplify issues of public interest related to Grupo Aval’s management, performance, and impact.
Government and Regulatory Bodies
Government and Regulatory Bodies
Organizations that issue regulatory requirements and conduct constant and ongoing monitoring of the financial and non-financial information of Grupo Aval and its entities.
Suppliers
Suppliers
Companies and partners that provide products and services essential to operations, contributing to the achievement of Grupo Aval’s objectives.
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Employees
Employees
Individuals who, through their talent, commitment, and experience, enable the management and growth of Grupo Aval and its entities.
Community
Community
People, organizations, and communities that interact with Grupo Aval or may be impacted by its activities, decisions, and social and environmental development initiatives.
Learn About Our Stakeholder Engagement
SUSTAINABILITY AT OUR ENTITIES
Grupo Aval promotes a shared vision of sustainability that guides its entities in integrating ESG criteria into their management and strategy. It promotes shared guidelines and goals that strengthen the creation of sustainable value, while maintaining the autonomy and unique characteristics of each business.
WHAT WE DO
Premio Xposible por su Tarjeta Débito Amazonía.
Reconocimiento por Línea de Transformación Productiva Sostenible.
Sello Oro Red Muévete Mejor 2025: Galardonados en la categoría 'Mejor Plan Integral de Movilidad Sostenible-PIMS-de empresa privada' entre sus colaboradores.
Premio FlorAngela Gómez: Galardonados en la categoría de Educación Financiera, destacando el impacto de su estrategia integral en regiones apartadas.
Buenas Prácticas de Desarrollo Sostenible 2025 y 2024.
Sellos de certificación ambiental.
Certificados como Great Place to Work en Colombia por sexto año consecutivo.
1ª empresa del sector financiero, 2ª a nivel Colombia y 6ª a nivel LATAM con mejores prácticas en Equidad de Género.
Recertificación EFR (Empresa Familiarmente Responsable) nivel B.
Tercera empresa más incluyente en LATAM en el 2025.
Banco de Bogotá
Recognized as a global leader in banking sustainability—ranking among the top-performing Latin American banks in S&P Global’s CSA—Banco de Bogotá integrates sustainability into its business strategy through sustainable financing, financial inclusion, and responsible management of environmental and social impacts. Its approach helps expand opportunities for people and strengthen the country’s economic development.
Learn more about its management and results
Premio Xposible por su Tarjeta Débito Amazonía.
Reconocimiento por Línea de Transformación Productiva Sostenible.
Sello Oro Red Muévete Mejor 2025: Galardonados en la categoría 'Mejor Plan Integral de Movilidad Sostenible-PIMS-de empresa privada' entre sus colaboradores.
Premio FlorAngela Gómez: Galardonados en la categoría de Educación Financiera, destacando el impacto de su estrategia integral en regiones apartadas.
Buenas Prácticas de Desarrollo Sostenible 2025 y 2024.
Sellos de certificación ambiental.
Certificados como Great Place to Work en Colombia por sexto año consecutivo.
1ª empresa del sector financiero, 2ª a nivel Colombia y 6ª a nivel LATAM con mejores prácticas en Equidad de Género.
Recertificación EFR (Empresa Familiarmente Responsable) nivel B.
Tercera empresa más incluyente en LATAM en el 2025.
Banco de Occidente
Recognized for the third consecutive year as one of the best places to work in Colombia and winner of the Brand Hall Award for its development and learning programs, Banco de Occidente complements its robust talent management with initiatives focused on sustainable mobility, ecological restoration, and financial inclusion. Its strategy aims to create value for people, communities, and the environment.
Learn more about its management and results
Premio Xposible por su Tarjeta Débito Amazonía.
Reconocimiento por Línea de Transformación Productiva Sostenible.
Sello Oro Red Muévete Mejor 2025: Galardonados en la categoría 'Mejor Plan Integral de Movilidad Sostenible-PIMS-de empresa privada' entre sus colaboradores.
Premio FlorAngela Gómez: Galardonados en la categoría de Educación Financiera, destacando el impacto de su estrategia integral en regiones apartadas.
Buenas Prácticas de Desarrollo Sostenible 2025 y 2024.
Sellos de certificación ambiental.
Certificados como Great Place to Work en Colombia por sexto año consecutivo.
1ª empresa del sector financiero, 2ª a nivel Colombia y 6ª a nivel LATAM con mejores prácticas en Equidad de Género.
Recertificación EFR (Empresa Familiarmente Responsable) nivel B.
Tercera empresa más incluyente en LATAM en el 2025.
Banco Popular
AV Villas ranked fourth place at the CX Interaction Awards for improving its customer experience and complemented this achievement with initiatives focused on inclusion, entrepreneurship, and community development. Its management approach integrates the creation of social value with actions focused on environmental efficiency and the responsible use of resources.
Learn more about its management and results
Premio Xposible por su Tarjeta Débito Amazonía.
Reconocimiento por Línea de Transformación Productiva Sostenible.
Sello Oro Red Muévete Mejor 2025: Galardonados en la categoría 'Mejor Plan Integral de Movilidad Sostenible-PIMS-de empresa privada' entre sus colaboradores.
Premio FlorAngela Gómez: Galardonados en la categoría de Educación Financiera, destacando el impacto de su estrategia integral en regiones apartadas.
Buenas Prácticas de Desarrollo Sostenible 2025 y 2024.
Sellos de certificación ambiental.
Certificados como Great Place to Work en Colombia por sexto año consecutivo.
1ª empresa del sector financiero, 2ª a nivel Colombia y 6ª a nivel LATAM con mejores prácticas en Equidad de Género.
Recertificación EFR (Empresa Familiarmente Responsable) nivel B.
Tercera empresa más incluyente en LATAM en el 2025.
Banco Av Villas
AV Villas ranked fourth place at the CX Interaction Awards for improving its customer experience and complemented this achievement with initiatives focused on inclusion, entrepreneurship, and community development. Its management approach integrates the creation of social value with actions focused on environmental efficiency and the responsible use of resources.
Learn more about its management and results
Premio Xposible por su Tarjeta Débito Amazonía.
Reconocimiento por Línea de Transformación Productiva Sostenible.
Sello Oro Red Muévete Mejor 2025: Galardonados en la categoría 'Mejor Plan Integral de Movilidad Sostenible-PIMS-de empresa privada' entre sus colaboradores.
Premio FlorAngela Gómez: Galardonados en la categoría de Educación Financiera, destacando el impacto de su estrategia integral en regiones apartadas.
Buenas Prácticas de Desarrollo Sostenible 2025 y 2024.
Sellos de certificación ambiental.
Certificados como Great Place to Work en Colombia por sexto año consecutivo.
1ª empresa del sector financiero, 2ª a nivel Colombia y 6ª a nivel LATAM con mejores prácticas en Equidad de Género.
Recertificación EFR (Empresa Familiarmente Responsable) nivel B.
Tercera empresa más incluyente en LATAM en el 2025.
Porvenir
Sustainability is the cornerstone of Porvenir’s sustainability strategy, which promotes tools, knowledge, and support to help more people strengthen their relationship with saving, protection, and financial planning. This innovative approach was recognized with the Latam Digital Award, highlighting its ability to create value for people while driving initiatives in social inclusion, productive aging, and environmental management.
Learn more about its management and results
Premio Xposible por su Tarjeta Débito Amazonía.
Reconocimiento por Línea de Transformación Productiva Sostenible.
Sello Oro Red Muévete Mejor 2025: Galardonados en la categoría 'Mejor Plan Integral de Movilidad Sostenible-PIMS-de empresa privada' entre sus colaboradores.
Premio FlorAngela Gómez: Galardonados en la categoría de Educación Financiera, destacando el impacto de su estrategia integral en regiones apartadas.
Buenas Prácticas de Desarrollo Sostenible 2025 y 2024.
Sellos de certificación ambiental.
Certificados como Great Place to Work en Colombia por sexto año consecutivo.
1ª empresa del sector financiero, 2ª a nivel Colombia y 6ª a nivel LATAM con mejores prácticas en Equidad de Género.
Recertificación EFR (Empresa Familiarmente Responsable) nivel B.
Tercera empresa más incluyente en LATAM en el 2025.
Corficolombiana
Corficolombiana ranked first globally in S&P Global’s CSA assessment within the Capital Markets sector, reflecting the integration of ESG criteria into its investment and business development strategy. Through its involvement in key sectors such as infrastructure, energy, tourism, agribusiness, and financial services, it contributes to the country’s economic growth and the creation of sustainable value for society.
Learn more about its management and results
CONTRIBUTION TO THE SUSTAINABLE DEVELOPMENT GOALS (SDGs)
Grupo Aval contributes to the achievement of the Sustainable Development Goals (SDGs) through its business activities and the management of its entities. Through project financing, job creation, financial inclusion, social investment, and the management of its environmental impacts, Group Aval focuses its efforts on those SDGs where it can make the most significant contribution to Colombia’s economic, social, and environmental development.
8: Decent Work and Economic Growth
Job creation, access to financing, and business strengthening are fundamental drivers of economic development. Through its entities, Grupo Aval mobilizes resources, promotes productivity, and creates opportunities that drive the sustainable growth of people, businesses, and regions.
- Grupo Aval and its entities employ 67,585 people, making it one of the largest private-sector employers in Colombia.
- The group generated $41 trillion in distributed economic value, contributing to the development of the national economy.
- It provided $20.2 trillion in financing to micro, small, and medium-sized enterprises (MSMEs), supporting their growth and strengthening.
9: Industry, Innovation, and Infrastructure
The country’s competitiveness and development depend on modern infrastructure and the ability to innovate continuously. Grupo Aval drives progress on both fronts through strategic investments and technological solutions that strengthen connectivity, mobility, and digital transformation.
- It manages 6 highway concessions, 15 toll stations, and 625 kilometers of highway infrastructure, contributing to regional connectivity and development.
- It promotes innovative digital banking solutions, including transfers via WhatsApp and contactless withdrawals at the Aval ATM Network.
- It promotes the modernization of the financial system through scalable and interoperable technological solutions that improve the user experience and expand access to financial services.
5: Gender Equality
Gender equality is a key element of sustainable development and the creation of opportunities. Grupo Aval fosters inclusive work environments, strengthens women’s leadership, and expands access for more women to economic and entrepreneurial opportunities, promoting increasingly equitable participation both within and outside the organization.
- Women make up 31% of the board members at Grupo Aval and its subsidiaries.
- Women account for 56% of Grupo Aval’s total workforce.
- Women hold 50.4% of leadership, management, and senior executive positions within the Group.
10: Reducing Inequalities
We are promoting widespread financial inclusion and equitable access to capital as key tools for reducing socioeconomic gaps, by providing accessible financing solutions in rural areas and the country’s most disadvantaged regions.
- 1.4 million customers have active financial inclusion products nationwide through our network of subsidiaries.
- $1.6 trillion disbursed in microloans aimed at strengthening and modernizing small-scale production units.
- Deployment of 360,000 non-bank financing solutions through Promigas’ Brilla program, facilitating access to basic necessities charged to the residential gas bill.
13: Climate Action
The transition to a low-carbon economy requires mobilizing capital, promoting sustainable solutions, and strengthening resilience to climate change. Grupo Aval incorporates these priorities into its business decisions, driving green investments and responsible management of climate-related risks and opportunities.
- The green portfolio and investments in energy transition exceeded $11.4 trillion, driving the development of a more resilient, low-carbon economy.
- Se destinaron $2,7 billones al desarrollo de proyectos de transición energética.
- $2.7 trillion was allocated to the development of energy transition projects.
- 38% of the energy consumed in operations came from non-conventional renewable sources.
- A corporate climate strategy was implemented, aimed at strengthening the management of risks and opportunities related to climate change across the entire Group.