14 slides from Banco Latinoamericano De Comercio Exterior's earnings presentation, Apr 28, 2026
Slide 1: First Quarter 2026 Earnings Results
First Quarter 2026 Earnings Results
Slide 2: Performance Highlights
Performance Highlights Commercial Book Deposits Record Commercial Portfolio and Deposit $12.0 Bn $7.3 Bn Growth ↑ 8% QoQ | ↑ 13% YoY ↑ 11% QoQ | ↑ 25% YoY NIM NPLs Steady Margins and healthy Asset Quality 2.34% 0.29% ↓ 5 Bps QoQ | ↓ 2 Bps YoY ↓ 2 Bps QoQ | ↑ 14 Bps YoY Non - Interest Income Efficien
Slide 3: Net Income and Profitability
Net Income and Profitability Net Income, ROA & ROE 1Q26 56.0 56.4 51.7 1Q25 4Q25 1Q26 ROA 1.8% 1.8% 1.8% Adj. ROE * 15.4% 14.2% 14.2% 3 (*) net profit - AT1 distribution / average stockholders' equity excluding other equity instruments
Slide 4: Credit & Commercial Portfolio Remain Well Diversified
Credit & Commercial Portfolio Remain Well Diversified Credit Portfolio Commercial Portfolio by Country (Commercial Portfolio + Investments) (Loans + Commercial B onds Portfolio + Contingencies) Guatemala 14% Brazil 12% +13% Colombia 12% Mexico 11% 13,487 Dominican Republic 9% 12,599 1,440 1Q26 (11%)
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) 1,440 Avg. Term to Maturity 1.5y 14.9% 14.9% 14.5% Investment Grade % 96% 1,911 1,988 1,852 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 2.2% $0.3Bn Stage 1 97.5% 0.3% Stage 3 $13.1Bn $ 39 M $ 13.5 B n (USD million) 1Q25 4Q25 1Q26 Allowance for losses 1 Total Allowance for Credit Balance at beginning of the period 84.9 101.5 107.6 Losses to Im
Slide 7: Consistent Deposit Growth and Diversified Deposit Base
Consistent Deposit Growth and Diversified Deposit Base Funding Sources Deposits Composition 11,607 10,727 10,322 2,415 (21% ) 2,482 Brokers (23% ) Corporations Long - term Borrowings 2,770 13% and Debt (27% ) 19% 1,641 Multilateral (14% ) 2% 1,511 (14% ) 244 (2% ) Short - term Borrowings 1,235 and D
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% 17.4% 2.0% 15.5% 2.1% 14.7% 15.1% 1.8% 13.5% 1.7% 1.4% 1.5% 1.4% Regulatory Minimum plus conservation 9.25% buffer 8.50% 15.3% 15.9% 15.1% 12.1% 12.2% 11.6%
Slide 9: 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 Rate of Interest Bearing Liabilities Net Interest Income (USD MM) 2.36% 2.39% 2.34% 70.8 70.2 65.3 6.75% 6.37% 6.12% NIS 1.65% NIS 1.68% NIS 1.69% 5.10% 4.69% 4.
Slide 10: Strong Fee Income
Strong Fee Income Letters of credit and guarantees +9% Fees and Commissions, net 8.4 Quarterly 6.7 7.3 +24% 1Q25 4Q25 1Q26 14.5 13.1 Structuring Services 10.6 +31% 8.4 3.4 7.3 3.1 2.4 6.7 1Q25 4Q25 1Q26 3.4 3.1 Credit Commitments and Other commissions, net 2.4 2.6 2.7 +83% 1.5 2.6 2.7 1Q25 4Q25 1Q26
Slide 11: Operational Efficiency Aligned with Annual Guidance
Operational Efficiency Aligned with Annual Guidance Opex & Efficiency Ratio Quarterly 30.9% 26.9% 26.5% 27.4 22.0 21.0 1Q25 4Q25 1Q26 11
Slide 12: Closing Remarks
BLADE Closing Remarks BLADE
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