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Banco del Bajío ScA Institución de Banca Múltiple (BBAJIO O) investor relations material
Banco del Bajío ScA Institución de Banca Múltiple Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary24 Jul, 2025
Executive summary
Net income for 2Q25 was MXN 2.2 billion, down 23.9% year-over-year, with ROE at 18.7% and ROA at 2.3%.
Loan portfolio grew 6.7% year-over-year, led by 9.5% growth in company loans; total deposits up 7% year-over-year.
Efficiency ratio improved to 38.9%, outperforming the system's 48.2%.
Digital transactions now dominate, with Bajionet accounting for 81% of transaction volume, up from 64% five years ago.
Asset quality remains above industry standards, though NPL ratio increased to 1.8%.
Financial highlights
Net interest margin (NIM) for 2Q25 was 6.1%, down 85 bps year-over-year due to lower rates and funding mix.
Noninterest income increased 19.4% pro forma; fees and trading income up 17.6% pro forma.
Provisions for credit risk in 2Q25 were up 85.4% year-over-year.
EPS for the quarter was 1.82, annualized earning yield of 15.2%.
Capitalization ratio at 14.5%, down sequentially due to dividend payments.
Outlook and guidance
2025 guidance revised: loan growth 5–6%, deposit growth 6–9%, NIM 6.0–6.1%, efficiency ratio 40–42%.
Net income forecasted at MXN 8.5–8.8 billion, ROE between 18.5–19.5%.
Cost of risk guidance increased to 100–110 bps; NPL ratio expected below 1.9%.
Management expects gradual improvement in asset quality and cost of risk into 2026.
Macro assumptions: Banxico rate 8.25–8.50%, GDP growth 0.0%, inflation 4.0%.
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Next Banco del Bajío ScA Institución de Banca Múltiple earnings date
Q3 202528 Oct, 2025
Next Banco del Bajío ScA Institución de Banca Múltiple earnings date
Q3 202528 Oct, 2025
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Frequently asked questions
Banco del Bajío, S.A., Institución de Banca Múltiple, provides a range of financial services to individuals, businesses, and corporate clients. The bank offers commercial and consumer banking products, including loans, credit lines, deposit accounts, and investment solutions. It also provides treasury and foreign exchange services, as well as digital banking options. The company is headquartered in León, Mexico, and its shares are listed on the BMV.
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