The earnings call highlighted a record-breaking year for Banco Latinoamericano de Comercio Exterior, S.A., with significant growth in net income, commercial portfolio, and fee income, alongside robust risk management and strategic execution. However, there are concerns about the potential impact of US policies and net interest margin pressure, as well as increased expenses. Overall, the bank demonstrated strong performance and resilience but faces some challenges ahead.

Company Guidance -

Q2 2025

In the fourth quarter of 2024, Banco Latinoamericano de Comercio Exterior, S.A. delivered outstanding financial performance, reaching a net income of $206 million, a 24% increase from the previous year, and a return on equity of 16.2%. Key achievements included an 18% growth in the commercial portfolio to $10 billion and a 23% rise in year-end deposits, both surpassing guidance. The bank's tier one capital ratio remained strong at 15.5%, and the efficiency ratio was maintained below 27%. Net interest income rose by 11% to $259 million, driven by increased loan volumes and a stable net interest margin of 2.47%. Furthermore, fee income saw an unprecedented growth of 37%, with notable contributions from letters of credit and loan structuring fees. Looking ahead to 2025, the bank projects commercial portfolio growth of 10-12%, deposit growth of 15-17%, and aims to sustain an efficiency ratio around 27%, despite ongoing investments in IT platforms.

Record-Breaking Year

Banco Latinoamericano de Comercio Exterior, S.A. achieved a historic milestone with a commercial portfolio growth of 18%, reaching $10 billion, and deposits increasing by 23% for year-end closing balances. Net income reached an all-time high of $206 million, marking a 24% increase from the previous year, with a return on equity of 16.2%.

Strong Fee Income Growth

Fee income grew by 37% year-over-year, reaching $44 million for 2024, driven by strong performance in letters of credit and loan structuring fees.

Robust Risk Management

Non-performing loans remained minimal at just 0.2% of total exposure with robust reserve coverage, highlighting disciplined risk management practices.

Successful Strategic Plan Execution

The bank successfully concluded the first phase of its strategic plan, improving efficiency and expanding its client base by 70% and deposit base by 78%.

Strong Capital Position

The bank's tier one capital ratio was 15.5%, well within the defined target, and the board approved an increase in quarterly dividends.

Banco Latinoamericano De Comercio (BLX) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

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BLX Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Aug 04, 2025	2025 (Q2)	- / -	1.36	―	―	―
May 05, 2025	2025 (Q1)	- / 1.40	1.4	0.00% (0.00)
Feb 27, 2025	2024 (Q4)	- / 1.40	1.27	10.24% (+0.13)
Oct 29, 2024	2024 (Q3)	- / 1.44	1.25	15.20% (+0.19)
Jul 23, 2024	2024 (Q2)	- / 1.36	1.02	33.33% (+0.34)
Apr 18, 2024	2024 (Q1)	- / 1.40	1.02	37.25% (+0.38)
Feb 22, 2024	2023 (Q4)	1.20 / 1.27	0.85	49.41% (+0.42)
Oct 19, 2023	2023 (Q3)	1.23 / 1.25	0.74	68.92% (+0.51)
Jul 20, 2023	2023 (Q2)	0.86 / 1.02	0.63	61.90% (+0.39)
Apr 18, 2023	2023 (Q1)	0.84 / 1.02	0.31	229.03% (+0.71)

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

BLX Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
May 05, 2025	$38.79	$38.77	-0.05%
Feb 27, 2025	$37.00	$41.06	+10.97%
Oct 29, 2024	$31.33	$30.96	-1.18%
Jul 23, 2024	$31.97	$30.59	-4.32%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does Banco Latinoamericano De Comercio (BLX) report earnings?

Banco Latinoamericano De Comercio (BLX) is schdueled to report earning on Aug 04, 2025, Before Open (Confirmed).

What is Banco Latinoamericano De Comercio (BLX) earnings time?

Banco Latinoamericano De Comercio (BLX) earnings time is at Aug 04, 2025, Before Open (Confirmed).

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