Regional S.A.B (RA) investor relations material

Executive summary

• Net income for 2Q25 reached MXN $1,639 million, up 2% year-over-year, with total assets up 13% and loan portfolio up 10%.

• Core deposits increased 7% year-over-year, while time deposits grew 7% and total deposits rose 14%.

• Efficiency ratio rose to 40.8% in 2Q25, up 188 bps year-over-year.

• NPL ratio increased to 1.5% in 2Q25, up 21 bps year-over-year, indicating a slight rise in credit risk.

• Income diversification through nonfinancial revenue and fixed-rate loans helps offset margin pressures.

Financial highlights

• Interest income grew 5% year-over-year to $7,742 million; financial margin up 8% to $3,815 million.

• Operating income increased 3% year-over-year to $2,248 million.

• Nonfinancial income increased 8% year-over-year; insurance fees grew 25%.

• Total expenses increased 11% year-over-year, outpacing income growth; efficiency ratio at 40.8%.

• Shareholders' equity rose 13% year-over-year to $34,275 million.

Outlook and guidance

• Loan growth guidance revised to 7–10% (from 10–15%) due to macro uncertainty; deposit growth guidance also adjusted to 7–10%.

• NIM guidance maintained at 6–6.5%; cost of risk guidance raised to 1% (from 0.7–0.9%).

• Net income growth expectations lowered to 5–10% (from 10–15%); ROE target now 19–20%.

• Forward-looking statements highlight exposure to economic, political, and regulatory risks.

• Management focuses on digital expansion, customer engagement, and technology investments.