Prnewswire·2026-02-12 22:00Core Insights - Bladex reported net profits of $56.0 million or $1.50 per share in 4Q25, representing a 9% year-over-year increase, and $226.9 million or $6.11 per share for the full year 2025, a 10% increase year-over-year [1][2] Financial Performance - Net Interest Income (NII) increased to $70.8 million in 4Q25 (+6% YoY) and $271.2 million in FY25 (+5% YoY), driven by higher average business volumes [1] - Net Interest Margin (NIM) was 2.39% for 4Q25 (-4bps YoY) and 2.36% for FY25 (-11bps YoY), impacted by lower base rates and increased market liquidity [1] - Fees and non-interest income reached $18.0 million for 4Q25 (+57% YoY) and $68.4 million for FY25 (+54% YoY), attributed to strong performance in trade-finance and structuring activities [1] Efficiency and Cost Management - The Efficiency Ratio was 30.9% for 4Q25 and 26.7% for FY25, slightly increasing year-over-year due to higher operating expenses from technology investments and headcount growth [1] - Operating expenses for FY25 totaled $90.6 million, up from $80.5 million in FY24 [2] Credit Portfolio and Asset Quality - The Credit Portfolio reached an all-time high of $12,599 million as of December 31, 2025 (+12% YoY), with a Commercial Portfolio balance of $11,184 million (+11% YoY) [1] - 98.2% of the credit portfolio remained low-risk or Stage 1 at the end of 4Q25, with Stage 2 exposures decreasing to 1.5% [1] Capital and Liquidity - Tier 1 Capital and Regulatory Capital Adequacy Ratios were 17.4% and 15.5% at the end of 4Q25, both exceeding internal targets and regulatory minimums [1] - The Bank's liquidity position was strong at $1,911 million, representing 14.9% of total assets [1] Dividend Announcement - The Board of Directors approved an increase in the quarterly common dividend to $0.6875 per share for 4Q25, up from $0.625 per share, reflecting the Bank's strong financial performance [1][2]