Mexico · Delayed Price · Currency is MXN Banco del Bajío, S.A., Institución de Banca Múltiple Earnings Call Transcripts
Fiscal Year 2026
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Loan and deposit growth accelerated in Q1 2026, driven by company loans and new client acquisition. Asset quality and capital ratios remain strong, with profitability metrics within guidance and a 50% dividend payout approved.
Fiscal Year 2025
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Solid 2025 results with net income of MXN 9.1 billion, strong deposit growth, and improved asset quality. 2026 guidance targets 8%-10% loan growth, stable margins, and continued expansion in SME and regional banking, with a 50% dividend payout approved.
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Loan and deposit growth remained strong, with digital channels driving higher non-interest income and efficiency. Asset quality and capital ratios are solid, and management expects to meet the high end of guidance, with a 60% dividend payout for 2025.
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Loan and deposit growth remained solid, with digital channels driving transaction volumes. Asset quality saw some deterioration in agribusiness and real estate, but management expects gradual improvement. Guidance was revised for lower loan growth and higher cost of risk, with strong capital and efficiency maintained.
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Loan and deposit growth exceeded expectations, with net income at ₱2.5 billion and ROE at 21.3%. Asset quality remains strong, NIM contracted to 6.3%, and a 50% dividend payout was approved amid economic uncertainty.
Fiscal Year 2024
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Net income for 2024 was MXN 10.7 billion, down 2.9% year-over-year, with strong loan and digital growth. 2025 guidance anticipates slower earnings, stable asset quality, and a 50%-60% dividend payout, with continued focus on efficiency and digital expansion.