Prnewswire·2025-10-28 22:00Core Insights - Banco Latinoamericano de Comercio Exterior, S.A. (Bladex) reported solid profitability with net profits of $55.0 million in 3Q25, a 4% increase year-over-year, and $170.9 million in 9M25, an 11% increase year-over-year [2][9] - The bank's credit portfolio reached an all-time high of $12,286 million as of September 30, 2025, reflecting a 13% year-over-year growth [6][9] - The bank successfully executed its inaugural Additional Tier 1 (AT1) capital issuance of $200 million, which was oversubscribed more than three times, indicating strong market confidence [11] Financial Performance - Net Interest Income (NII) for 3Q25 was $67.4 million, a 1% increase year-over-year, and $200.4 million for 9M25, a 4% increase year-over-year [4][9] - Fee income surged to $14.1 million in 3Q25, a 34% increase year-over-year, and $44.5 million in 9M25, a 37% increase year-over-year [5][9] - The Efficiency Ratio was well-managed at 25.8% for 3Q25 and 25.2% for 9M25, as revenue growth outpaced ongoing investments in technology and modernization [5][9] Asset Quality and Capital Position - The bank maintained a healthy asset quality, with 97.2% of the credit portfolio classified as low risk or Stage 1, and impaired credits represented only 0.2% of the total credit portfolio [6][9] - The Tier 1 Capital ratio improved to 18.1% and the Capital Adequacy Ratio to 15.8% at the end of 3Q25, both exceeding internal targets and regulatory minimums [8][9] - Liquid assets accounted for 15.5% of total assets, primarily consisting of deposits with the Federal Reserve Bank of New York [8][9] Recent Developments - The Board of Directors approved a quarterly common dividend of $0.625 per share for 3Q25, to be paid on November 25, 2025 [10] - The bank's commercial portfolio reached a historic peak of $10,872 million at the end of 3Q25, supported by steady credit demand across all business products [8][9]