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Banco del Bajío ScA Institución de Banca Múltiple
Banco del Bajío ScA Institución de Banca Múltiple (BBAJIO O) investor relations material
Banco del Bajío ScA Institución de Banca Múltiple Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary29 Jan, 2026
Executive summary
Net income for 2025 was MXN 9,079 million, down 15.1% year-over-year, but surpassed guidance, with Q4 net income at MXN 2,155 million.
Loan portfolio grew 4.6% year-over-year to MXN 278.3 billion, led by company loans and double-digit consumer loan growth.
Asset quality improved, with NPL ratio at 1.49% and coverage ratio at 126.5%, supporting a healthy risk profile.
Total deposits increased 10.5% year-over-year to MXN 273.0 billion, driven by both demand and time deposits.
Strategic focus on expanding SME centers and regional presence to drive future growth.
Financial highlights
Net interest income for 2025 was MXN 21,529 million, down 6.0% year-over-year; total revenues declined 4.2% year-over-year.
Non-interest income grew 9.1% year-over-year, with net fees up 16.3%.
Efficiency ratio improved to 39.8% for 2025, outperforming guidance and system average.
Return on average equity was 19.4% for 2025; return on average assets was 2.4%.
Net interest margin for Q4 was 5.77%, down 100 bps year-over-year due to lower rates and portfolio mix.
Outlook and guidance
2026 guidance: loan growth 8%-10%, deposit growth 10%-11%, NIM of 5.4%-5.5%, and net income between MXN 8,250 and 9,000 million.
ROE expected at 16.5%-18%, NPL ratio below 1.7%, and coverage ratio above 110%.
Operating expenses projected to rise 7%-9%, with efficiency ratio at 43%-45%.
Cost of risk expected at 0.8%-1%, capitalization ratio above 14%.
Macro assumptions: GDP growth 1.3%, inflation 4.0%, Banxico reference rate 6.5%.
Reason for shifting SME/Corp loan provisioning
Drivers of related party loan portfolio growth
Dividend strategy given declining net income
Efficiency ratio trend beyond 2026
NIM impact from planned portfolio mix shift
Asset quality strategy with SME/consumer growth
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Next Banco del Bajío ScA Institución de Banca Múltiple earnings date
Q1 202629 Apr, 2026
Banco del Bajío ScA Institución de Banca Múltiple
Next Banco del Bajío ScA Institución de Banca Múltiple earnings date
Q1 202629 Apr, 2026
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Frequently asked questions
Banco del Bajío, S.A., Institución de Banca Múltiple, provides a range of financial services to individuals, businesses, and corporate clients. The bank offers commercial and consumer banking products, including loans, credit lines, deposit accounts, and investment solutions. It also provides treasury and foreign exchange services, as well as digital banking options. The company is headquartered in León, Mexico, and its shares are listed on the BMV.
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