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Banco del Bajío ScA Institución de Banca Múltiple (BBAJIO O) investor relations material
Banco del Bajío ScA Institución de Banca Múltiple Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary28 Oct, 2025
Executive summary
Net income for 3Q25 was MXN 2,267 million, down 10.2% year-over-year but up 4.7% sequentially; ROE at 19.7% and ROA at 2.4%.
Total loan portfolio grew 5.4% year-over-year, led by 7.7% growth in company loans and 13.6% in consumer loans, while government, financial institutions, and mortgage portfolios contracted.
Total deposits increased 13.7% year-over-year, supporting strong liquidity and future loan growth.
Digital transformation drove a 24% CAGR in transacted amounts over five years, with BajíoNet now accounting for 82% of all transacted amounts.
Asset quality remains solid, with a non-performing loan (NPL) ratio of 1.97% and coverage ratio at 115.8%, outperforming industry averages.
Financial highlights
Net income for the quarter was MXN 2,267 million; ROE at 19.7% for Q3 and 19.9% for the nine-month period.
Net interest margin declined 110 bps year-over-year to 5.9%, mainly due to rate sensitivity and asset-liability mix.
Adjusted revenues decreased 2.8% year-over-year, while non-interest income grew 26.1% year-over-year, driven by strong fee and commission growth.
Efficiency ratio stood at 39.5% for Q3, with expenses up 9.6% year-over-year, outperforming the system's 47.6%.
Earnings per share for Q3 was MXN 1.91, 10.2% lower year-over-year, with an annualized yield of 17.1%.
Outlook and guidance
Management expects to reach the high end of net income guidance (MXN 8.8 billion) for 2025, with loan growth of 5–7% and deposit growth of 6–9%.
Cost of risk is expected to normalize to 0.9%-1% over the next two to three quarters.
Sustainable ROE is projected to remain in the high teens, even if rates decline to 6.25%-6.5% by end of 2026.
NPL ratio expected below 1.9%, coverage ratio above 120%, and capitalization ratio above 14%.
Non-interest income is expected to continue growing at high teens, supported by digital channel expansion.
What drives the strategic loan portfolio reallocation?
What is the expected normalized cost of risk?
Why abandon internal reserve methodologies?
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Next Banco del Bajío ScA Institución de Banca Múltiple earnings date
Q4 202529 Jan, 2026
Next Banco del Bajío ScA Institución de Banca Múltiple earnings date
Q4 202529 Jan, 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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