14 slides from Banco Latinoamericano De Comercio Exterior's earnings presentation, Aug 5, 2025
Slide 1: 2Q25 Earnings Results
2Q25 | Earnings Results
Slide 2: Highlights 2Q25
Highlights 2Q25 Commercial Book Deposits Record Commercial Portfolio and Record $10.8 Bn $6.4 Bn Total Deposits ↑ 1% QoQ | ↑ 18% YoY ↑ 10% QoQ | ↑ 23% YoY NIM NPLs Steady Margins and Robust Asset 2.36% 0.15% Quality 0 Bps QoQ | ↓ 7 Bps YoY ↑ 1 Bps QoQ | ↑ 6 Bps YoY Net Fees Efficiency Ratio Record F
Slide 3: Well diversified Commercial and Investment Portfolios
Well diversified Commercial and Investment Portfolios Credit Portfolio Investment Portfolio by Country Commercial Portfolio Investments) Investments1) Ex-Latam Countries 85% Latam Countries 15% United States 53% Colombia 5% 18% Other Non-Latam 26% 2Q25 Panama 5% Multilaterals 6% 1,363 Chile 2% 11,95
Slide 4: Strong Asset Quality, Low Credit Risk and Solid Reserve Coverage
Strong Asset Quality, Low Credit Risk and Exposure by Stages Solid Reserve Coverage Stage 2 $240M 2.0% Stage 1 97.9% 0.2% Stage 3 $11,923M $19M $12.2B Total Allowance for Credit USD millions, except for % Losses to Impaired Credits USD millions, except for % 2Q24 3Q24 4Q24 1Q25 2Q25 Allowance for lo
Slide 5: Strong Deposit Growth and Diversified Deposit Base
Strong Deposit Growth and Diversified Deposit Base Funding Sources Deposits Composition 10,322 10,423 9,102 2,540 Multilateral 2,770 (24%) (27%) 314 5% Corporations 2,703 Brokers (30%) 1,624 1,240 779 12% 1,235 (12%) 25% (12%) 197 2% 837 458 4% (9%) 303 3% 2Q25 6,446 6,446 Financial Institutions 5,8
Slide 6: Robust Capitalization Supports Business & Balance Sheet Expansion
Robust Capitalization Supports Business & Capital 16.2% Balance Sheet 15.1% 15.0% 14.0% 13.9% 13.5% Expansion 1,371 1,415 1,264 2Q24 1Q25 2Q25 Capital Adequacy Index1 Common Equity Tier 1 Capital Ratio Basel III 2 Equity CET1 2Q25 Dividends 45% 37% 36% 0.625 0.625 0.50 1 As defined by the SBP, in wh
Slide 7: Margins Stabilize at Target Levels
Margins Stabilize at Target Levels Net Interest Spread NIS Net Interest Margin NIM Rate of Interest Earning Assets Net Interest Margin ("NIM") Rate of Interest Bearing Liabilities Net Interest Income 2.43% 2.36% 2.36% 7.45% 67.7 65.3 62.8 6.75% 6.69% NIS 1.74% NIS NIS 1.65% 1.70% 5.71% 5.10% 4.99% 2
Slide 8: Record Fee Quarter
Record Fee Quarter Letters of credit and guarantees Total Fees 7.8 6.5 6.7 59% 19.9 2Q24 1Q25 2Q25 7.8 Structuring Services 10.0 12.5 10.6 3.7 2.4 6.5 2Q24 1Q25 2Q25 6.7 10.0 Credit Commitments and Other commissions, net1 3.7 2.3 2.4 2.1 2.3 2.1 1.5 1.5 2Q24 1Q25 2Q25 Letters of credit and guarantee
Slide 9: Operational Efficiency Aligned with Annual Guidance
Operational Efficiency Aligned with Annual Opex & Efficiency Ratio Guidance 26.9% 24.3% 23.1% 21.0 20.8 18.2 Efficiency Ratio Total Operating Expenses 2Q24 1Q25 2Q25 USD millions, except for % 9
Slide 10: Strategy Execution Driving Profitability Improvement
Strategy Net Income & ROE 6M 2025 Execution Driving Profitability 115.9 Improvement 101.4 ROE 2Q25 64.2 18.5% 74.0 50.1 37.1 34.1 51.3 51.7 2Q 23.0 37.0 1Q 11.1 6M 2022 6M 2023 6M 2024 6M 2025 ROA 6M 0.8% 1.6% 1.9% 2.0% ROE 6M 6.8% 13.6% 16.5% 17.0% 10 USD millions, except for %
Slide 11: Closing Remarks
Closing Remarks Resilient regional Strategic execution Record financial Positive outlook and outlook on track performance reaffirmed guidance Despite global uncertainty, Latin Bladex successfully deployed its Bladex delivered the highest A healthy pipeline across trade America remains broadly new tr
Slide 12: Guidance
Guidance Guidance 2025 Commercial Portfolio Growth 10% 12% Average Deposit Growth 15% 17% NIM 2.30% Efficiency Ratio 27% ROE 15% 16% CET1 15% 16% 12
Slide 13: 2Q25 Earnings Results
2Q25 | Earnings Results
Slide 14: Investor Relations Contacts
IR@bladex.com www.bladex.com/en/investors Carlos Raad Chief Investor Relations Officer craad@bladex.com Panama Diego Cano VP Investor Relations dcano@bladex.com Panama 14