Grupo Financiero Inbursa (GFINBUR O) Q2 2025 earnings summary

Executive summary

• Net income for the first half of 2025 reached $16,351 million pesos, a 5.8% increase year-over-year, driven by a 10.8% rise in financial margin and strong asset quality.

• Total loan portfolio grew 12.6% YoY to $499,556 million pesos, with retail loans up 26.2% and wholesale loans up 6.0%.

• Retail deposits increased 15.4% YoY, reaching $398,513 million pesos.

• Digital transactions accounted for 94.7% of total monthly transactions in June 2025.

Financial highlights

• Financial margin rose to $24,628 million pesos, up 10.8% YoY.

• Efficiency ratio remained at 17.3%, reflecting strong cost control.

• CET1 ratio stood at 23.23%, well above regulatory requirements.

• Stockholders' equity increased 11.2% YoY to $269,008 million pesos.

• Loan loss reserves covered Stage 3 loans by 1.5x, representing 2.2% of total loans.

Outlook and guidance

• Robust capital and liquidity positions enable continued loan growth and digital expansion.

• Integration of Cetelem and digitalization efforts are expected to further improve efficiency.