14 slides from Banco Latinoamericano De Comercio Exterior's earnings presentation, Jul 28, 2026
Slide 1: Second Quarter 2026 Earnings Results
Second Quarter 2026 Earnings Results
Slide 2: Record Quarter Highlights
Record Quarter Highlights Commercial Book Deposits Record Commercial Portfolio and Deposit $13.0 Bn $7.9 Bn Base ↑ 8% QoQ | ↑ 20% YoY ↑ 8% QoQ | ↑ 22% YoY NIM NPLs Steady Margins and healthy Asset Quality 2.24% 0.52% ↓ 10 Bps QoQ | ↓ 12 Bps YoY ↑ 23 Bps QoQ | ↑ 37 Bps YoY Non - Interest Income Effic
Slide 3: Record Net Income in the quarter
Record Net Income in the quarter Net Income, ROA & ROE 2Q26 64.2 66.5 56.4 2Q25 1Q26 2Q26 ROA 2.1% 1.8% 2.0% Adj. ROE * 18.5% 14.2% 16.4% 3 (*) net profit - AT1 distribution / average stockholders' equity excluding other equity instruments (USD millions, except for %)
Slide 4: Credit & Commercial Portfolio Remain Well Diversified
Record Credit & Commercial Portfolio Remain Well Diversified Credit Portfolio Commercial Portfolio by Country (Commercial Portfolio + Treasury Investment Portfolio) (Loans + Commercial B onds Portfolio + Contingencies) Guatemala 14% Brazil 12% +19% Colombia 10% Mexico 10% 14,466 Panama 9% 13,487 1,4
Slide 5: Diversified Treasury Investment Portfolio Mainly in Ex-Latam Countries
Diversified Treasury Investment Portfolio Mainly in Ex - Latam Countries Total Liquid Assets 2 Treasury Investment Portfolio Liquid Assets (USD MM) Liquid Assets / Total Assets EOP Balance (USD MM) 1,437 Avg. Term to Maturity 1.6y 15.5% 14.5% 13.3% Investment Grade % 99% 1,959 1,988 1,922 Ex - Latam
Slide 6: Strong Asset Quality, Low Credit Risk and Ample Reserve Coverage
Strong Asset Exposure by Stages Quality, Low Credit Risk and Ample Reserve Coverage Stage 2 1.1% $162M Stage 1 98.4% 0.5% Stage 3 $14.2Bn $75M $ 14.5 B n (USD million) 2Q25 1Q26 2Q26 1 Total Allowance for Credit Allowance for losses Losses to Impaired Credits Balance at beginning of the period 90.0
Slide 7: Record Deposit Growth and Diversified Deposit Base
Record Deposit Growth and Diversified Deposit Base Funding Sources Deposits Composition 12,270 11,607 2,696 10,423 2,415 (22% ) (21% ) Brokers Long - term Borrowings 2,540 15% Corporations and Debt (24% ) 1,410 (12%) 23% 1,641 Multilateral (14% ) 274 (2% ) 1% Short - term Borrowings 1,240 244 (2% )
Slide 8: Robust Capitalization Supports Business & Balance Sheet Expansion
Robust Capitalization Supports Business & Balance Sheet Expansion Capital adequacy ratio 1 Tier 1 ratio 2 (Panama regulatory) (Basel III) 17.9% 2.0% 16.6% 14.7% 14.3% 13.9% 15.0% 1.9% 1.7% 1.4% 1.6% 1.4% 1.4% Regulatory Minimum plus 9.25% conservation 8.50% buffer 15.9% 15.0% 14.7% 12.5% 11.6% 11.3%
Slide 9: Record NII Despite Continued Margin Compression
Record NII Despite Continued Margin Compression Net Interest Spread (NIS) Net Interest Margin (NIM) Rate of Interest Earning Assets Net Interest Margin Rate of Interest Bearing Liabilities Net Interest Income (USD MM) 2.36% 2.34% 2.24% 73.3 67.7 70.2 6.69% 6.12% 6.01% NIS 1.70% NIS 1.69% NIS 1.64% 4
Slide 10: Record Non-Interest Income contributes to revenue diversification
Record Non - Interest Income contributes to revenue diversification Non - Interest Income Fees and Commissions, net Quarterly Quarterly +15% +17% 25.6 23.3 22.3 19.9 9.5 7.8 12.9 13.1 23.3 25.1 19.9 7.3 7.9 10.0 13.1 3.1 5.9 1.5 1.7 2.7 2.1 0.9 0.4 0.5 - 0.6 2Q25 1Q26 2Q26 2Q25 1Q26 2Q26 Fees and co
Slide 11: Operational Efficiency improves and remains well within yearly guidance
Operational Efficiency improves and remains well within yearly guidance Opex & Efficiency Ratio Quarterly 26.5% 24.1% 23.1% 23.8 22.0 20.8 2Q25 1Q26 2Q26 11 (USD millions, except for %)
Slide 12: Closing Remarks
BLADE X Closing Remarks
Slide 13: Full Year 2026 Guidance Ratified
Full Year 2026 Guidance Guidance Ratified Commercial Portfolio Growth 13% - 15% Average Deposit Growth 13% - 15% NIM ~2.30% Efficiency Ratio ~28% Adjusted ROE 14% - 15% Tier I 15% - 16% 13
Slide 14: Contact
Contact 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