Regional S.A.B (RA) Corporate presentation summary

Financial performance and growth

• Total loan portfolio grew 11% YoY to MXN 203.2 billion, with core deposits up 16% and time deposits up 20%.

• Net income declined 7% YoY for both the quarter and YTD, while financial margin increased 4% YoY.

• Efficiency ratio rose to 43.5%, and ROAE and ROAA decreased to 17.7% and 2.3%, respectively.

• Cost of risk remained stable at 1.0%, and NPL ratio improved slightly to 1.4%.

• Shareholders’ equity increased 10% YoY to MXN 37.9 billion.

Strategic positioning and business model

• Operates two main platforms (Banregio and Hey Banco) covering wholesale, SME, retail, and digital banking segments.

• Focuses on market saturation, infrastructure expansion, and digital innovation to drive growth.

• Diversifies across profitable industries such as manufacturing, agriculture, tourism, and real estate.

• Emphasizes cross-selling, customer experience, and leveraging proprietary technology.

• Maintains a scalable, efficient, and multi-country expansion-ready platform.

Segment and regional performance

• Wholesale loans grew 12% YoY, retail banking 8%, and consumer loans 14%.

• Strongest loan growth in SMEs and consumer portfolios; mortgage loans up 9%.

• Largest performing loan regions: Nuevo Leon (28%), Mexico City (31%), and Jalisco (14%).

• Hey Banco’s active individual clients declined 11% YoY, but business clients grew 15%.

• Hey Banco’s average deposit balances and loan lines showed mixed growth across products.