Banco Latinoamericano de Comercio Exterior (BLX) investor relations material

Strategic vision and transformation

• The 2030 plan builds on a successful 2022–2026 transformation, emphasizing disciplined growth, lower funding costs, and higher non-interest income as core pillars for the next phase.

• The strategy focuses on scaling the business model, expanding into transactional banking, growing the product portfolio, and transforming treasury into a client revenue engine by 2030.

• Plans leverage structural advantages such as a strong regional brand, capital markets access, and deep client relationships, targeting both financial institutions and top Latin American corporates.

• The plan aims to capture a larger share of client operating deposits and transactional flows, broadening the revenue base and improving funding economics.

• The organization’s culture, talent, and compensation models have been realigned to support execution, accountability, and long-term value creation.

Financial targets and business development

• By 2030, the commercial portfolio is targeted to reach $18–$20 billion, with net interest margin maintained around 2.30–2.35%.

• Non-interest income is projected to nearly double, reaching $120–$130 million and representing about 20% of total revenues.

• Operational deposits are targeted to reach 8–12% of total deposits, lowering the structural cost of funds by 20–30 basis points.

• Adjusted return on equity (ROE) is targeted at 16–17% by 2030, supported by a 15–16% Tier 1 capital ratio and a cost-to-income ratio of 25–27%.

• The plan assumes a normalized interest rate environment, moderate regional GDP growth, and continued expansion in Latin American trade flows.

Business model evolution and new initiatives

• Transactional banking aims to capture trade finance flows, targeting 5–7% of total deposits from correspondent banking by 2030.

• Expanding beyond lending with payment services, cash management, and working capital solutions for corporates and financial institutions.

• Structured trade finance, project finance, and syndication businesses are expected to see 1.5x–2x growth by 2030.

• Treasury platform to generate $1 billion in incremental multicurrency funding and a 10x increase in derivative fees by 2030.

• IT and AI investments to drive efficiency, scalability, and data-driven decision-making.