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Regional S.A.B (RA) investor relations material
Regional S.A.B 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 1,531 million, down 5% year-over-year, with ROAE at 19.3% and margin pressure from higher provisions and operating expenses.
Total assets grew 11% year-over-year to MXN 270,921 million, with total loans up 10% and core deposits up 9%.
Delivered resilient profitability and healthy growth amid a mixed macro backdrop, with disciplined execution and focus on selective growth, credit quality, and revenue diversification.
Efficiency ratio deteriorated to 41.7% from 39.5% a year ago, reflecting higher operating expenses.
Continued expansion in high-potential regions, especially Jalisco, and disciplined cost management.
Financial highlights
Financial margin expanded 7% year-over-year, supported by higher volumes and disciplined pricing.
Non-interest income reached MXN 1,015 million, with net fees up 16% and insurance income up 18% year-over-year.
Operating income for 3Q25 was MXN 2,106 million, down 5% year-over-year.
Non-interest expenses rose 12% year-over-year, mainly due to technology, expansion, and inflation.
NPL ratio increased to 1.6% from 1.3% a year ago; cost of risk rose to 1%.
Outlook and guidance
Loan growth and core deposits expected within 7%-10% guidance, likely closer to 8%-9%.
Net income growth target for the year is challenging and not expected to reach 5%; improvement efforts continue.
Cost improvements from automation and staff reductions will be more visible in 2026.
Cost of risk expected to stabilize at 0.8%-0.9% in 2026.
Management notes ongoing margin compression and rising credit risk, with a focus on maintaining asset quality and capital ratios.
Hey Banco's path to 5-10% profit contribution
What is the sustainable cost of risk for 2026?
Key drivers for 2026 loan growth acceleration
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Next Regional S.A.B earnings date
Q4 202527 Jan, 2026
Next Regional S.A.B earnings date
Q4 202527 Jan, 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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