BanBajío Closes 2025 with MXN 9 Billion in Profits, Maintaining Robustness in a Challenging Year

In a period characterized by interest rate adjustments, BanBajío reported profits of MXN 9 billion in 2025, a figure demonstrating stability even with a decrease in its annual net income, which closed at MXN 9,079 million. Although the result was down 15.1% compared to 2024, the bank managed to maintain a strong operational pace and prove the resilience of its business model. Fourth-quarter net income reached MXN 2,155 million, slightly below the previous quarter but within the expected range for a year marked by external pressures.

Core Growth: Loan Portfolio and Deposits Advance

One of the bank’s strengths was its

, which reached MXN 278,283 million. This represented an annual growth of 4.6%, driven primarily by corporate clients, who account for the majority of the financing granted by BanBajío. Deposits also grew, reaching MXN 273,034 million, an increase of 10.5% compared to the previous year. This reflects increased client trust in the institution throughout the year.

Impact of Rates: A Tighter Margin

Adjustments in reference interest rates directly impacted financial income. The bank closed the fourth quarter with a Net Interest Margin (NIM) of 5.8%, one percentage point below the previous year. Nevertheless, the bank maintained stability thanks to its client base, credit volume, and well-managed operations. Non-financial income—such as commissions and services—grew by 11%, which partially offset the decrease in interest income.

Prudent Risk Management and Healthy Portfolio

BanBajío maintained controlled risk levels throughout the year. The overdue loan portfolio remained low:

Stage 2: 1.4%
Stage 3: 1.5%
Adjusted deterioration rate: 2.8% Provisions for potential defaults reached MXN 2,626 million for the year, an increase that strengthens the bank’s protection against any economic shifts.

Stable Profitability and Controlled Expenses

Although net income decreased, the bank’s profitability levels remained robust:

Annual ROE: 19.4%
Annual ROA: 2.4% Regarding operating expenses, the bank reported a moderate increase, consistent with operating in a complex year. The efficiency ratio stood at 39.8%, indicating sound expense management relative to generated revenues.

Capital and Liquidity: The Bank’s Pillars

In 2025, BanBajío strengthened two key areas for its stability:

ICAP (Capitalization Index): 15.46%, above regulatory requirements.
LCR (Liquidity Coverage Ratio): 132.68%, a level that ensures liquidity even in adverse scenarios.
Shareholder Equity: MXN 48,193 million, 5.9% higher than in 2024. These indicators demonstrate that the bank possesses sufficient backing to continue growing and serving its clients.

Looking Towards 2026: Stability with Room for Improvement

Although 2025 was a year with margin pressure, BanBajío successfully concluded with financial robustness, growth in key areas, and effective risk control. The bank enters 2026 with strong fundamentals, a diversified portfolio, and robust funding, positioning it well to navigate a new economic cycle. The article

first appeared on Líder Empresarial.