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Banco del Bajío ScA Institución de Banca Múltiple
Banco del Bajío ScA Institución de Banca Múltiple (BBAJIO O) investor relations material
Banco del Bajío ScA Institución de Banca Múltiple Investor presentation summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Investor presentation summary10 Nov, 2026
Franchise and market position
30+ years of middle-market origination, credit and service capabilities; strategy targets a profitable, underpenetrated segment of Mexico’s economy.
Total assets of US$23.5bn; ranked 8th by loans, 9th by deposits, 5th in company lending, 4th in SME lending and leading in agribusiness lending.
Nationwide franchise with 337 branches as of June 2026; growth focus includes Mexico City, Monterrey and Guadalajara.
Q3 2026 performance
Loan portfolio MXN312.4bn, +16.5% YoY and +5.4% QoQ; company loans +16.0% YoY and consumer loans +12.2% YoY.
Deposits MXN374.1bn, +14.6% YoY and +7.7% QoQ; deposit CAGR from 2023 to 3Q26 was 11.2%, versus 8.4% for the system.
Total revenues MXN6,035m, -4.1% YoY and +0.9% QoQ; financial margin +1.1% YoY and +2.3% QoQ, while fees and trading income fell 4.8% YoY.
3Q26 NPL ratio 1.8%, cost of risk 1.2%, efficiency ratio 43.6%, ROAE 14.7% and ROAA 1.7%.
2026 guidance
Revised loan growth guidance to 11%-12% and deposit growth to 10%-12%; NIM 5.4%-5.5% and fees plus trading income growth 11%-13%.
Forecast expenses growth of 7%-9%, efficiency ratio of 43%-45%, cost of risk of 0.7%-0.8% and effective tax rate of 28.2%.
Revised net income guidance to MXN8.4bn-MXN9.0bn and ROAE to 16.9%-18.0%; NPL ratio below 1.7% and capitalization ratio above 14%.
2026 macro assumptions unchanged: GDP growth 1.3%, inflation 4.0% and year-end Banxico reference rate 6.50%.
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Latest events from Banco del Bajío ScA Institución de Banca Múltiple
- Loan and deposit growth remained strong, but lower NIM and higher provisions cut Q3 earnings 21.4%.BBAJIO O
Q3 2026 - Strong loan growth, robust asset quality, and a Moody's AAA.mx upgrade highlight 2Q26.BBAJIO OQ2 2026
- Loan and deposit growth strong, but net income fell as margins declined; capital and asset quality robust.BBAJIO OQ1 2026
- 2025 net income fell 15.1% YoY, but asset quality and capital ratios stayed strong.BBAJIO OQ4 2025
- 3Q25 net income was MXN 2,267 million; strong growth, solid asset quality, and a 10% dividend approved.BBAJIO OQ3 2025
- Net income fell 23.9% YoY, but capital, liquidity, and efficiency ratios remain strong.BBAJIO OQ2 2025
- Net income fell 8.3% YoY, but loan growth, asset quality, and capital ratios stayed strong.BBAJIO OQ3 2024
- Net income fell 10.4% year-over-year, but loan growth and asset quality remained strong.BBAJIO OQ1 2025
- 2024 net income fell 2.9% to MXN 10.7bn, with strong loan growth and robust capital ratios.BBAJIO OQ4 2024
Next Banco del Bajío ScA Institución de Banca Múltiple earnings date
Q4 202627 Jan, 2027
Banco del Bajío ScA Institución de Banca Múltiple
Next Banco del Bajío ScA Institución de Banca Múltiple earnings date
Q4 202627 Jan, 2027
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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.