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Regional S.A.B
Regional S.A.B (RA) investor relations material
Regional S.A.B Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary27 Jan, 2026
Executive summary
Net income for 4Q25 reached $1,816 million pesos, up 7% year-over-year, with ROAE at 19.1% despite a 224 bps decline year-on-year.
Total assets increased 12% year-over-year to $277,416 million, with total loans up 8% and core deposits up 13%.
Commercial strategy focused on regional expansion, cost control, disciplined credit underwriting, and income diversification, especially non-financial revenue.
Hey Banco completed its spin-off, reporting MXN 55 million net income for the quarter and continued profitability improvement.
Portfolio health remains strong, with no significant deterioration in credit quality and disciplined risk management.
Financial highlights
Financial margin for 4Q25 was $4,022 million pesos, up 7% year-over-year; adjusted financial margin also grew 7%.
Core deposits grew 13% year-over-year, and loans expanded 8% year-over-year, with strong growth in Jalisco and SME/auto segments.
Non-financial income increased 10% quarter-on-quarter, with card merchant fees up 17% year-on-year and insurance fees up 25% quarter-on-quarter.
Operating expenses rose 17% year-over-year, raising the efficiency ratio to 42.2%.
Net interest margin (NIM) for 4Q25 was 6.3%, down 32 b.p. year-over-year.
Outlook and guidance
Targets for 2026: total loan and deposit growth 5%-10%, NIM 6%-6.3%, efficiency ratio ~42%, net income growth 5%-10%, ROE 8%-19%, cost of risk 0.8%-1%, NPL ratio below 1.8%.
Hey Banco guidance: loan growth 15%-20%, net income growth 65%-90%.
No change in strategy for Hey Banco post-spin-off; focus remains on bancarized customers and cross-selling.
OpEx expected to grow in the low tens for 2026, with potential for single-digit growth by 2027-2028 if inflation remains stable.
Credit ratings remain stable or positive, supporting future funding and expansion.
Hey Banco's market positioning post-spin-off
Effective tax rate impact from regulatory changes
Drivers for 10% net income growth guidance
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Next Regional S.A.B earnings date
Q1 202628 Apr, 2026
Regional S.A.B
Next Regional S.A.B earnings date
Q1 202628 Apr, 2026
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Frequently asked questions
Regional S.A.B. de C.V., known as BanRegio, is a banking institution established in 1994 in Monterrey, Mexico. It specializes in providing financial services primarily to small and medium-sized businesses. The bank offers a wide range of financial products, including loans for working capital or investment projects, point-of-sale terminals, insurance products, and leasing services for the acquisition of various assets such as machinery, equipment, and auto fleets. The company operates in various segments catering to medium businesses, automotive business, personal and patrimonial banking, consumer credits, mortgage, and intermediation and markets. It emphasizes providing credit for medium-sized businesses and financial leasing services for individuals and businesses. The company is headquartered in San Pedro Garza García, Nuevo León, Mexico, and its shares are listed on the Bolsa Mexicana.
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