Bac Holding International Corp · BVC:BHI
Bac Holding International — BAC International Bank — Q2 2025 Earnings Presentation
19 slides from Bac Holding International's earnings presentation, June 2025
Slide 1: Driving Regional Growth: Financial results Second Quarter 2025
Driving Regional Growth Financial results Second Quarter 2025 BAC International Bank Inc.
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
G L A N C E BAC is the main banking platform in Central America BAC Overview Regional footprint of key operational and financial metrics (Jun2025) Diversified business portfolio by #1 BAC International is the leading Financial Group in Central America, leading in assets, type and geography with no s
Slide 4: We are the leading payments platform network in Central America
We are the leading payments platform network in Central America, providing a low-cost source of funding 52% G L A N C E Volume of payments made through BAC represents 52% of Central America GDP 2024 A T Volume of payments made through BAC 2020-2024 (US$bn) Why is this important? B A C % of Central A
Slide 5: And the largest regional group in Central America
And the largest regional group in Central America Card market share • Largest issuer of credit cards in Central America R Net loans • US $224,3 Bn March 2025 E • We are the only company in Central America that can acquire S merchant vouchers and issue cards across all major brands U 26.1 11,6% 27 L
Slide 6: Central American macroeconomic trends
R E S Central American macroeconomic U L T trends S IQ 2 0 2 5 BAC Key Financial & Operational Metrics 2 0 2 5
Slide 7: Economic landscape of Central America: Growth, Inflation, and Fiscal Deficits
Economic landscape of Central America: Growth, Inflation, and 7 Fiscal Deficits In 2024, average real GDP growth of countries …similarly, inflation has returned to …and fiscal consolidation has resulted in M A C R O E C O N O M I C S in BAC region are expected to surpass that of sustainable levels,
Slide 8: Results: Summary IIQ2025
Results: Summary IIQ2025 BAC Key Financial & Operational Metrics R E S Δ Abs Relevant facts r 2021 2022 2023 2024 Jun2024 Jun2025 U 24-23 Significant growth jun24-jun25 L T S Gross Portfolio 18,666 20,824 23,478 26,452 24,957 27,603 10.6% Consistent portfolio growth Of 10.6% reflecting strong credit
Slide 9: Solid balance sheet backed by a healthy, diversified loan portfolio
H I G H L I G H T S Solid balance sheet backed by a healthy, diversified loan portfolio… Gross portfolio ($B) US$ 27.6 B YoY +10.6% Δ Abs Δ% By country CAGR +9,4% 25 vs 24 25 vs 24 26.5 26.4 24.9 Costa Rica 23.5 4.2 20.8 4.1 30% 18.7 3.9 3.9 10.3 236 6.0% 16.9 17.2 10.2 K E Y 3.3 9.4 Panamá 3.6 8.9
Slide 10: ...and controlled risk levels
...and controlled risk levels BAC Key Financial & Operational Metrics R E Total portfolio by stages S U 16% L 16% 13% T S 9% 10% 10% E2 9% 8% 8% 7% IIQ 7% 2 4% 4% 4% 4% 3% 3% 0 3% 3% 3% 2 2% 2% E3 5 jun-20 dic-20 jun-21 dic-21 jun-22 dic-22 jun-23 dic-23 jun-24 dic-24 jun-25 88% 80% 80% 84% 86% 88%
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… H I G H L I G H T S Deposits ($M) US$ 28.8 B YoY +7.4% Δ Abs Δ% By country CAGR +10.5% 25 vs 24 25 vs 24 28.4 28.4 26.1 Costa Rica 23.3 26.0 1,285 12.3% 11.7 30% 20.6 21.9 9.9 11.1 10.5 K E Y Panamá 17.2
Slide 12: Ample liquidity
Ample liquidity … Stable liquidity from diversified sources Investment portfolio evolution H I G H L I G H T S US$mm US$mm 3.2 3.0 2.9 CAGR: 7.2% 2.4 2.5 2.4 2.4 3.994 5.882 5.214 5.204 5.336 5.648 5.341 0.5% 0.4% 2.0% 0.2% 1.1% 0.2% 0.0% 1.8% 6.1% 6.0% K E Y 12.0% 14.2% 14.8% 16.6% 16.2% 5.8% 5.5%
Slide 13: BAC has strong capitalization levels above regulatory requirements
H I G H L I G H T S BAC has strong capitalization levels above regulatory requirements 13 Stable capitalization levels above minimum BAC current capitalization would allow the bank to cover Capitalization Overview A regulatory requirements. Currently, BAC has a 3.16% B phased-in requirements three y
Slide 14: Appendix BIB
R E S U L T S Appendix BIB
Slide 15: Balance sheet BIB
Balance sheet BIB BAC Key Financial & Operational Metrics R US$ MM 2021 2022 2023 2024 Jun2025 E S Assets U L Cash and cash equivalents 742 769 932 936 847 T Securities purchased under resale agreements 104 11 61 10 95 S Total deposits in banks, net 4,368 4,424 4,343 4,702 4,307 IIQ Investments in s
Slide 16: Income statement BIB
Income statement BIB BAC Key Financial & Operational Metrics US$ M 2021 2022 2023 2024 Jun2025 Deposits in banks 10 27 60 67 32 R Investments in securities 165 182 267 300 147 E Loans 1,683 1,878 2,303 2,733 1,491 S Total interest income 1,858 2,087 2,631 3,100 1,669 U Deposits from customers 470 45
Slide 17: Selected ratios and operating data BIB
Selected ratios and operating data BIB BAC Key Financial & Operational Metrics R US$ M 2021 2022 2023 2024 Jun2025 E Profitability, efficiency, and growth S Net Interest Margin (LTM) 5.4% 5.8% 6.3% 6.3% 6.3% U L LTM Return on average assets 1.7% 1.6% 1.8% 2.0% 1.9% T LTM Return on average equity 16.
Slide 18: Country Summary
P E R F O R M A N C E Country Summary BAC Key Financial & Operational Metrics Other & June 2025 Guatemala El Salvador Honduras Nicaragua Costa Rica Panama BIB & Subs Eliminations Gross Portfolio 4,827 2,919 3,957 1,750 8,188 6,141 -180 27,603 Assets 6,692 3,868 5,435 2,595 11,892 8,461 -139 38,806 D
Slide 19: Financial results Second Quarter 2025
Financial results Second Quarter 2025 BAC International Bank Inc.
BAC International Bank — Q2 2025 Earnings Presentation on 6ix