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Death, Taxes, and Garbage: The Story of WM
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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, up 7% year-over-year, with ROAE at 19.1% and strong profitability growth.
Commercial strategy focused on regional expansion, cost control, disciplined credit underwriting, and diversifying income streams.
Total assets increased 12% year-over-year to $277,416 million, with core deposits up 13%.
Asset quality remains strong, with consolidated NPL ratio at 1.3% and cost of risk at 1%.
Operating income rose 7% year-over-year, supported by higher financial margin and non-financial income.
Financial highlights
Year-on-year loan growth of 8%, with strong performance in Jalisco and SME/auto segments.
Core deposits grew 13% year-on-year; financial margin expanded 7% to $4,022 million due to higher volumes and disciplined pricing.
Non-financial income increased 10% quarter-on-quarter, with card merchant fees up 17% and insurance fees up 25%.
Operating expenses rose 17% year-on-year, mainly from technology, geographic expansion, and inflation; efficiency ratio increased 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 of 5%-10%, net interest margin 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%.
Management expects continued growth in core deposits and commercial lending, with stable or positive credit ratings.
Expectation of continued strong financial performance and superior asset quality.
Forward-looking statements highlight ongoing risks and uncertainties, with management encouraging review of risk factors in official filings.
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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