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Banco Latinoamericano de Comercio Exterior (BLX) investor relations material
Banco Latinoamericano de Comercio Exterior Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary29 Oct, 2025
Executive summary
Net income reached $55M in Q3 2025, up 4% year-over-year but down from Q2, with strong top-line revenues and robust capital from a $200M AT1 issuance, more than 3x oversubscribed.
Commercial portfolio hit a record $10.9B, up 12% year-over-year, with strong loan origination in Mexico, Guatemala, and Argentina.
Deposit base reached a record $6.8B, up 21% year-over-year, now two-thirds of total funding.
Capital adequacy and Tier 1 ratios strengthened, supporting future growth and business expansion.
New client onboarding up 7% year-to-date, supporting portfolio expansion.
Financial highlights
Net interest margin (NIM) at 2.32% for Q3, with net interest income at $67.4M; non-interest income surged 40% year-over-year to $15.4M, led by fees and syndication.
Efficiency ratio improved to 25.8%, better than 27% guidance, reflecting disciplined cost management.
Adjusted ROE for the quarter was 15.1%, with 9M 2025 ROE at 16.2%.
EPS was $1.48 in Q3 and $4.60 in 9M25, up from prior year periods.
Total assets grew 10% year-over-year to $12.5B; total equity rose 26% to $1.65B.
Outlook and guidance
Full-year guidance reaffirmed for ROE (15%-16%), NIM (2.30%), and efficiency ratio near 27%.
Commercial portfolio growth targeted at 10–12%, deposit growth at 15–17%.
AT1 capital to be deployed over 12-18 months, with capital ratios expected to normalize to mid-teens.
Ongoing platform upgrades to enhance scalability, client experience, and non-interest income.
NIM sensitivity: 100 bps rate cut impacts NIM by 12-13 bps; interest rate cuts expected to pressure NIM, but guidance maintained.
Impact of AT1 issuance on ROE?
Mitigation strategies for NIM compression?
Sustainability of fee income growth?
AT1 capital deployment timeline?
Stage 2 client exposure details?
Operational deposits: future impact on funding?
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Next Banco Latinoamericano de Comercio Exterior earnings date
Q4 202527 Feb, 2026
Next Banco Latinoamericano de Comercio Exterior earnings date
Q4 202527 Feb, 2026
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Frequently asked questions
Banco Latinoamericano de Comercio Exterior S.A. (BLX), also known as Bladex, is a multinational bank specializing in financing foreign trade in Latin America and the Caribbean. Founded in 1977 and originally named Banco Latinoamericano de Exportaciones, S.A., Bladex was the first Latin American bank to be listed on the New York Stock Exchange (NYSE) in 1992. The bank operates through commercial and treasury segments, providing a range of financial services including short and medium-term bilateral, structured, and syndicated credits, loan commitments, and trade finance solutions. Bladex's founding shareholders include Central Banks and government entities fromover 20 countries in the region. The company is headquartered in Panama City, Panama, and its shares are listed on the NYSE.
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