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LOANS (Tables)
 12 Months Ended
Dec. 31, 2018
Disclosure of loans and receivables [Abstract]  
Disclosure of detailed information about distribution of the credit portfolio [Text Block]

The distribution of the loan portfolio of Grupo Aval by product is shown as follows:

 

 

 

 

 

 

 

 

 

    

December 31, 2018

    

December 31, 2017 (1)

General purpose loans

 

Ps.

65,923,472

 

Ps.

64,153,372

Personal loans

 

 

33,791,703

 

 

30,553,566

Mortgages

 

 

17,279,362

 

 

15,103,533

Credit Cards

 

 

15,550,920

 

 

13,846,823

Working capital loans

 

 

15,192,830

 

 

14,723,490

Commercial financial leases

 

 

9,858,952

 

 

9,892,402

Interbank & overnight funds

 

 

7,635,188

 

 

7,279,047

Automobile and vehicle loans

 

 

5,951,793

 

 

5,896,640

Loans funded by development banks

 

 

3,222,754

 

 

2,713,818

Housing leases

 

 

1,312,741

 

 

1,047,766

Overdrafts

 

 

481,946

 

 

525,867

Microcredit

 

 

425,697

 

 

409,688

Consumer financial leases

 

 

254,483

 

 

226,764

Gross balance of loan portfolio

 

Ps.

176,881,841

 

Ps.

166,372,776

Loss allowance loan portfolio (2)

 

 

(8,196,187)

 

 

(5,618,481)

Net balance of loan portfolio

 

Ps.

168,685,654

 

Ps.

160,754,295

(1)   Grupo Aval has initially adopted IFRS 9 as of January 1, 2018. According to the transition methods chosen, comparative information is not restated. See Notes 2.5 (B).

(2)   See reconciliations from the opening to the closing balance of the loss allowance on note 4.1.5.

Disclosure of detailed information about distribution of loans portfolio by maturity period [Text Block]

The distribution of loan portfolio of Grupo Aval by contractual maturity period is as follows:

December 31, 2018

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Up to 1

 

From 1 to

 

From 3 to

 

More than

 

 

 

 

    

year

    

3 years

    

5 years

    

5 years

    

Total

Commercial

 

Ps.

46,119,981

 

Ps.

18,810,647

 

Ps.

11,234,938

 

Ps.

16,384,459

 

Ps.

92,550,025

Consumer

 

 

15,798,783

 

 

10,507,521

 

 

10,794,506

 

 

18,099,771

 

 

55,200,581

Residential mortgage

 

 

287,133

 

 

504,727

 

 

676,978

 

 

15,810,524

 

 

17,279,362

Microcredit

 

 

226,651

 

 

182,245

 

 

13,345

 

 

3,456

 

 

425,697

Financial leasing (*)

 

 

2,344,468

 

 

2,826,293

 

 

2,801,147

 

 

3,454,268

 

 

11,426,176

Total gross loan portfolio

 

Ps.

64,777,016

 

Ps.

32,831,433

 

Ps.

25,520,914

 

Ps.

53,752,478

 

Ps.

176,881,841

 

December 31, 2017

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Up to 1

 

From 1 to

 

From 3 to

 

More than

 

 

 

 

    

year

    

3 years

    

5 years

    

5 years

    

Total

Commercial

 

Ps.

44,888,149

 

Ps.

19,651,034

 

Ps.

11,088,553

 

Ps.

13,908,758

 

Ps.

89,536,494

Consumer

 

 

16,240,350

 

 

11,146,916

 

 

8,809,557

 

 

13,959,308

 

 

50,156,131

Residential mortgage

 

 

469,702

 

 

785,736

 

 

857,039

 

 

12,991,056

 

 

15,103,533

Microcredit

 

 

209,364

 

 

178,052

 

 

17,707

 

 

4,565

 

 

409,688

Financial leasing (*)

 

 

2,159,750

 

 

2,889,713

 

 

2,496,769

 

 

3,620,698

 

 

11,166,930

Total gross loan portfolio

 

Ps.

63,967,315

 

Ps.

34,651,451

 

Ps.

23,269,625

 

Ps.

44,484,385

 

Ps.

166,372,776

 

Disclosure of detailed information about interest income by portfolio

The interest income of the loan portfolio of Grupo Aval by portfolio is shown as follows:

 

 

 

 

 

 

 

 

 

 

 

 

    

December 31, 2018

    

December 31, 2017

    

December 31, 2016

Commercial

 

Ps.

7,559,392

 

Ps.

8,420,789

 

Ps.

8,100,635

Consumer

 

  

8,280,113

 

  

8,087,403

 

  

7,312,009

Residential mortgage

 

  

1,442,638

 

  

1,278,001

 

  

1,135,929

Microcredit

 

  

108,472

 

  

113,774

 

  

116,943

Total interest income by portfolio

 

Ps.

17,390,615

 

Ps.

17,899,967

 

Ps.

16,665,516

 

Disclosure of detailed information about reconciliation of undiscounted lease payments to net investment in finance lease [Text Block]

As of December 31, 2018, and 2017 the following table shows the reconciliation between gross investment in financial leasing and the present value of minimum payments to be received in these dates:

 

 

 

 

 

 

 

 

 

    

December 31, 2018

    

December 31, 2017

Total gross rent payments receivable

 

Ps.

17,372,906

 

Ps.

16,445,998

Less amounts representing running costs (such as taxes, maintenance, insurances, etc.,)

 

 

(286)

 

 

(225)

Plus, estimated residual amount of assets given for rental (without guarantee)

 

 

36,166

 

 

21,673

Gross investment in contracts of financial leasing

 

 

17,408,786

 

 

16,467,446

Less unrealized financial income

 

 

(5,982,610)

 

 

(5,300,516)

Net investment in contracts of financial leasing

 

 

11,426,176

 

 

11,166,930

Impairment of net investment in financial leasing

 

Ps.

(471,007)

 

Ps.

(297,319)

 

Disclosure of detailed information about gross investment and net investment in financial leasing contracts receivable [Text Block]

The detailed information of gross investment and net investment in financial leasing contracts receivable as of December 31, 2018 and 2017 in each period is as follows:

 

 

 

 

 

 

 

 

 

 

December 31, 2018

 

    

Gross investment

    

Net investment

Up to 1 year

 

Ps.

2,296,714

 

Ps.

1,579,195

From 1 to 5 years

 

 

6,799,539

 

 

4,870,790

More than 5 years

 

 

8,312,533

 

 

4,976,191

Total

 

Ps.

17,408,786

 

Ps.

11,426,176

 

 

 

 

 

 

 

 

 

 

December 31, 2017

 

    

Gross investment

    

Net investment

Up to 1 year

 

Ps.

2,147,421

 

Ps.

1,614,889

From 1 to 5 years

 

 

6,428,242

 

 

4,986,723

More than 5 years

 

 

7,891,783

 

 

4,565,318

Total

 

Ps.

16,467,446

 

Ps.

11,166,930