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Banco Latinoamericano de Comercio Exterior (BLX) investor relations material
Banco Latinoamericano de Comercio Exterior Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary5 Aug, 2025
Executive summary
Net income reached a record $64.2M in 2Q25, up 24% from Q1 and 28% year-over-year, with ROE at 18.5%, the highest in over two decades, driven by strong revenue growth and efficiency gains.
Commercial portfolio grew to $10.8B, up 1% sequentially and 18% year-over-year, with broad-based growth and strong momentum in Central America.
Asset quality remained strong, with nonperforming loans at 0.15–0.2% of total exposure and allowance coverage above 5x.
Deposits reached a record $6.4B, up 10% from Q1 and 23% year-over-year, now 62% of total funding.
Successfully launched a new digital trade finance platform, advancing digital transformation and expected to enhance efficiency and client experience.
Financial highlights
Net interest income reached $67.7M in 2Q25, up 4% quarter-over-quarter and 8% year-over-year; net interest margin stable at 2.36%.
Fee income hit a record $19.9M in 2Q25, up 88% from Q1 and 59% year-over-year, driven by a $1.6B syndicated facility and strong off-balance sheet business.
Efficiency ratio improved to 23.1%, a 380 bps gain versus prior quarter and down 116 bps year-over-year, reflecting disciplined cost management.
Total assets reached $12.7B, up 2% quarter-over-quarter and 16% year-over-year.
Operating expenses were stable at $20.8M, supporting improved efficiency.
Outlook and guidance
Full-year guidance reaffirmed, with expectations to finish at the upper end for ROE and efficiency; commercial portfolio growth targeted at 10–12% and deposit growth at 15–17%.
NIM expected around 2.30%, efficiency ratio near 27%, and ROE and CET1 both in the 15–16% range.
Anticipates continued strong pipeline in syndications, trade finance, and infrastructure, with fee income expected to remain robust.
New trade finance platform expected to drive further growth in letter of credit fees and transactional volumes over the next 18 months.
Margins expected to remain stable, with no major changes anticipated for the rest of the year.
How did structured transactions drive fee income?
Explain the shift in Bladex's funding structure.
What is driving the increase in operating expenses?
Assess sustainability of record syndication fees.
How will new platform impact letter of credit fees?
Update on expansion into factoring financing.
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Next Banco Latinoamericano de Comercio Exterior earnings date
Q3 202529 Oct, 2025
Next Banco Latinoamericano de Comercio Exterior earnings date
Q3 202529 Oct, 2025
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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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