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Julio Carrizosa Mutis is a Colombian businessman who has a recognized reputation in the construction and financial sectors in Colombia.

Career
In the 1980s, Carrizosa became the major shareholder of Granahorrar Bank and an investor in other financial institutions such as Davivienda and Ahorramás. The construction and housing credits (mortgages) became Granahorrar Bank's core business. The housing policy of the former President Belisario Betancur helped boost the bank's success. From 1988 to 1998, the bank showed a real annual growth rate of 45%.

Granahorrar Bank was part of a conglomerate called Grupo Grancolombiano which also owned Banco de Colombia, Colombia’s largest bank. In 1982, the conglomerate experience a financial crisis. As a result, the Colombian government seized ownership of the bank from Carrizosa.

Granahorrar was expropriated in 1998 as part of the economic policies executed by the Colombian Government to mitigate the financial crisis. Granahorrar was the only bank expropriated without compensation. On October 31, 2005, the government sold the bank to the Spanish Bank BBVA.

Carrizosa started his business career in the construction sector. He founded the company Industrial de Construcciones in the city of Bucaramanga. He became one of the most important contractors of the public entity known as Land Loans Institute (Instituto de Credito Territorial), which controlled the construction industry. He specialized in the business of low-cost housing.

Personal life
Carrizosa is from the city of Bucaramanga, Santander. He is married to Astrida Benita; together they have three sons, Alberto, Enrique and Felipe Carrizosa. Astrida was born in Latvia and emigrated to the United States after World War II. All three sons have dual Colombian-American citizenship.