Bac Holding International Corp · BVC:BHI
Bac Holding International — BAC International Bank — Q3 2025 Earnings Presentation
21 slides from Bac Holding International's earnings presentation, 2025
Slide 1: Leading with Results: Financial Strength That Builds Trust
BAC International Bank Inc. Leading with Results: Financial Strength That Builds Trust
Slide 2: Disclaimer
Disclaimer R The information contained in this presentation has been prepared with the sole purpose of BAC does not intend, nor assume any obligation, to update or revise the content of this E facilitating general knowledge of BAC International Bank Inc. (hereinafter “BAC”) and is presentation in th
Slide 3: BAC is the main banking platform in Central America
BAC is the main banking platform in Central America R E BAC Overview Regional footprint of key operational and financial metrics S U L #1 BAC International is the leading Diversified business portfolio by US$39.8 bn US$4.1bn Financial Group in Central America, type and geography with no Equity T Ass
Slide 4: Leading payments platform network in Central America
We are the leading payments platform network in Central America, providing a low-cost source of funding R 52% E S Volume of payments made through BAC represents U 52% of Central America GDP 2024 Why is this important? L T S Volume of payments made through BAC 2020-2024 (US$bn) Entry Barrier BAC’s 52
Slide 5: And the largest regional group in Central America
And the largest regional group in Central America R Net loans • US $226,9 Bn Jun 2025 Card market share E S U 26.7 11,8% 13 • Largest issuer of credit cards in Central America L • We are the only company in Central America that can acquire merchant T vouchers and issue cards across all major brands
Slide 6: BAC Key Financial & Operational Metrics
R E S Central American macroeconomic U L trends T S BAC Key Financial & Operational IIIQ 25 Metrics 2 0 2 5
Slide 7: Economic landscape of Central America: Growth, Inflation, and Fiscal Deficits
Economic landscape of Central America: Growth, Inflation, and Fiscal Deficits R In 2025, average real GDP growth of countries in …similarly, inflation has returned to …and fiscal consolidation has resulted in E S BAC region are expected to surpass that of major sustainable levels, below the Latam de
Slide 8: Results: Financial Strength and Strategic Growth
Results: Financial Strength and Strategic Growth R Relevant facts E S Δ Abs Significant growth sep24-sep25 2021 2022 2023 2024 Sep2024 Sep2025 U 24-25 L T S Gross Portfolio 18,666 20,824 23,478 26,452 25,745 28,194 9.5% Consistent portfolio growth Of 9.5% reflecting strong credit expansion Assets 28
Slide 9: Solid balance sheet backed by a healthy, diversified loan portfolio
Solid balance sheet backed by a healthy, diversified loan portfolio… R Gross portfolio ($B) E US$ 28.1 B S YoY +10.6% Δ Abs Δ% U By country CAGR +9,4% 25 vs 24 25 vs 24 L 28.1 26.4 25.7 T Costa Rica 23.5 4.2 S 4.1 20.8 4.0 30% 18.7 3.9 10.5 163 4.0% 16.9 17.2 10.2 9.7 Panamá 3.3 8.9 3.6 22% 3.4 3.5
Slide 10: ...and controlled risk levels
...and controlled risk levels R E Total portfolio by stages S U 16% L 15% 12% T S 11% 9% 10% E2 7% 7% 8% 7% 7% 4% 4% 4% 4% 4% 3% 3% 3% 2% 2% 2% E3 sep-20 mar-21 sep-21 mar-22 sep-22 mar-23 sep-23 mar-24 sep-24 mar-25 sep-25 IIIQ 25 85% 80% 81% 85% 86% 88% 90% 90% 89% 90% 91% E1 Past Due 30+ / 90+ Lo
Slide 11: Funding driven by a highly diversified and low-cost base
Funding driven by a highly diversified and low-cost base given the relevance of demand deposits… R Deposits ($M) E US$ 29.2 B S YoY +7.4% Δ Abs Δ% U By country CAGR +10.5% 25 vs 24 25 vs 24 L T 28.4 29.2 27.1 S Costa Rica 23.3 26.0 11.5 393 3.5% 29% 20.6 21.9 9.9 11.1 10.9 Panamá 17.2 8.6 8.5 24% 8.
Slide 12: Ample liquidity
Ample liquidity … Investment portfolio evolution Stable liquidity from diversified sources US$mm R E 3.0 3.2 3.0 US$mm 2.5 2.3 2.3 2.3 S CAGR: 7.2% U L T 5.882 5.214 5.204 5.336 5.648 5.015 5.713 S 5.8% 5.9% 6.3% 6.3% 5.9% 0.4% 2.0% 0.2% 1.1% 0.2% 1.3% 1.9% 4.9% 4.8% 12.0% 14.2% 14.8% 17.5% 16.6% 14
Slide 13: US$ denominated portfolio has shifted towards higher liquidity and credit quality
US$ denominated portfolio (FVOCI) has shifted towards higher liquidity and credit quality instruments R E S US$ Portfolio Composition by Asset Class US$ Portfolio Composition by Rating U L T S 3% 3% 3% 3% 2% 1% 4% 4% 6% 7% 12% 12% 11% 9% 17% 6% 17% 9% 19% 23% 64% 59% 36% 67% 44% 52% IIIQ 25 88% 85%
Slide 14: Strong capitalization levels above regulatory requirements
BAC has strong capitalization levels above regulatory requirements R E Stable capitalization levels above minimum BAC current capitalization would allow the bank to cover S Capitalization Overview A regulatory requirements. Currently, BAC has a 3.58% B phased-in requirements three years from now, co
Slide 15: Our strong results enable confident progress in our ESG strategy: Triple Value
Our Ourstrong strongresults resultsenable enableconfident confidentprogress progressininour ourESG ESGstrategy: strategy:‘Triple ‘TripleValue’ Value’ R Sustainable Financial Communities E Finance Well-Being Inclusion S U Triple value financial solutions Placement of US $623 million in credits with e
Slide 16: Appendix
R E S U L T S Appendix IIIQ 25 BIB 2 0 2 5
Slide 17: Balance sheet BIB
Balance sheet BIB R E S US$ MM 2021 2022 2023 2024 Sep2025 U L Assets T S Cash and cash equivalents 742 769 932 936 890 Securities purchased under resale agreements 104 11 61 10 107 Total deposits in banks, net 4,368 4,424 4,343 4,702 4,715 Investments in securities, net 3,514 4,190 4,549 4,883 5,02
Slide 18: Income statement BIB
Income statement BIB R US$ M 2021 2022 2023 2024 Sep2025 E S Deposits in banks 10 27 60 67 47 U Investments in securities 165 182 267 300 220 L Loans 1,683 1,878 2,303 2,733 2,263 T S Total interest income 1,858 2,087 2,631 3,100 2,529 Deposits from customers 470 459 613 791 683 Financial obligation
Slide 19: Selected ratios and operating data BIB
Selected ratios and operating data BIB R E US$ M 2021 2022 2023 2024 Sep2025 S U Profitability, efficiency, and growth L Net Interest Margin (LTM) 5.4% 5.8% 6.3% 6.3% 6.3% T S LTM Return on average assets 1.7% 1.6% 1.8% 2.0% 2.0% LTM Return on average equity 16.9% 16.2% 18.5% 19.5% 19.0% Operating e
Slide 20: Country Summary
Country Summary R Other & E Sep 2025 Guatemala El Salvador Honduras Nicaragua Costa Rica Panama BIB & Subs S Eliminations U Gross Portfolio 5,009 2,934 3,975 1,789 8,342 6,310 -166 28,194 L Assets 6,790 3,952 5,712 2,693 12,095 8,714 -134 39,823 T S Deposits 4,918 3,062 3,999 1,882 8,843 6,530 -34 2
Slide 21: Leading with Results: Financial Strength That Builds Trust
BAC International Bank Inc. Leading with Results: Financial Strength That Builds Trust Financial results IIIQ 2025
BAC International Bank — Q3 2025 Earnings Presentation on 6ix