Slides
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Regional S.A.B. de C.V. Conference Call | July 2025
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Financial Summary 1 Capitalization ratio for Banco Regional, S.A. as of May 2025. 2Q24 1Q25 2Q25 Growth YoY QoQ Profitability Net Income QTR 1,608 1,633 1,639 2% 0% NIM LTM 6.3% 6.6% 6.5% 12 b.p. (10 b.p.) NIM of Total Loans LTM 7.6% 7.4% 7.3% (25 b.p.) (3 b.p.) ROAE LTM 22.4% 20.6% 20.1% (228 b.p.) (45 b.p.) ROAA LTM 2.8% 2.7% 2.6% (14 b.p.) (7 b.p.) Efficiency Ratio LTM 39.0% 40.3% 40.8% 188 b.p. 52 b.p. Growth Performing Loans + Leasing 164,366 178,711 181,158 10% 1% Demand Deposits 77,522 79,983 82,269 6% 3% Time Deposits 86,122 96,481 92,252 7% (4%) LTD 101.6% 102.6% 105.3% 364 b.p. 271 b.p. CASA 47.4% 45.3% 47.1% (23 b.p.) 181 b.p. Shareholders Equity 30,285 34,195 34,275 13% 0% Risks NPL Ratio 1.3% 1.4% 1.5% 21 b.p. 15 b.p. Cost of Risk QTR 1.0% 0.9% 0.9% (8 b.p.) (1 b.p.) Cost of Risk LTM 0.9% 1.0% 1.0% 5 b.p. (2 b.p.) Capitalization Ratio 1 15.2% 14.7% 14.1% (109 b.p.) (55 b.p.) 2
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Income Statement 2Q24 1Q25 2Q25 Growth YoY QoQ Interest income 7,362 7,634 7,742 5% 1% Interest expenses (3,838) (3,911) (3,927) 2% 0% Financial Margin 3,524 3,723 3,815 8% 2% Net provisions (410) (412) (415) 1% 1% Adjusted Financial Margin 3,114 3,311 3,400 9% 3% Commissions and fees 501 533 549 10% 3% FX fees 269 259 246 (8%) (5%) Insurance 140 189 176 25% (7%) Net leasing 43 60 56 28% (7%) Non-Financial Income 954 1,040 1,027 8% (1%) Other income (expense) (143) (307) (248) 73% (19%) Total Income 3,924 4,044 4,179 6% 3% Total expenses (1,733) (1,826) (1,931) 11% 6% Operating Income 2,191 2,218 2,248 3% 1% Income tax (582) (580) (609) 5% 5% Net Income 1,608 1,633 1,639 2% 0% 3 Numbers in million pesos.
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Regional’s Subsidaries
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Regional Segments Wholesale Business Retail Banking SMEs Preferred Banking Target Segment ▪ Loans: Greater than MXN $20 million ▪ Sales: Greater than MXN $150 million ▪ Checking accounts: Greater than MXN $5 million ▪ Loans: Up to MXN $20 million ▪ Sales: Up to MXN $150 million ▪ Checking accounts: Up to MXN $5 million ▪ Preferred, Patrimonial and Private Clients ▪ Deposits> MXN $15,000 ▪ Time Deposits > MXN $100,000 ▪ Mass market, Small Business and Sole proprietors ▪ Auto, Mortgage and Credit Cards ▪ All Savings and Time Deposits ▪ Auto, Mortgage and Credit Cards ▪ All Savings, Capital Markets, Investments and Time Deposits for Individuals ▪ Hey Banco - Individuals: Consumer Loans (auto, mortgage, credit cards), savings, time deposits, investments and insurance ▪ SMEs: Checking accounts, simple and revolving credit lines and payment solutions ▪ Hey Payment: POS and aggregators Products Channels ▪ Wholesale Business executives trough our branches ▪ SMEs executives trough our branches ▪ Digital: App / Web ▪ Individuals executives trough our branches ▪ Digital: App / Web ▪ Digital: App / Web / Chat ▪ Hey Executives for BaaS Clients and Merchant Business 5
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Relevant Figures 2Q24 2Q25 YoY 2Q24 2Q25 YoY 2Q24 2Q25 YoY Loan Growth $166,307 $183,722 10% $157,469 $174,068 11% $8,838 $9,654 9% Core Deposits $163,644 $174,521 7% $152,727 $161,148 6% $10,917 $13,373 22% Financial Margin $3,524 $3,815 8% $3,369 $3,586 6% $155 $229 48% NIM LTM 6.3% 6.5% 14 b.p. 6.3% 6.4% 12 b.p. 7.1% 8.5% 137 b.p. Provisions ($410) ($415) 1% ($261) ($285) 9% ($149) ($131) (12%) Non-Financial Income $971 $1,069 10% $728 $788 8% $243 $281 16% Operating Expenses ($1,733) ($1,936) 12% ($1,439) ($1,613) 12% ($294) ($323) 10% Net Income $1,608 $1,639 2% $1,659 $1,618 (2%) ($50) $21 +100% Efficiency Ratio LTM 39.0% 40.9% 188 b.p. 35.6% 38.9% 330 b.p. 78.8% 66.9% (1,195 b.p.) NPL 1.31% 1.52% 21 b.p. 1.18% 1.45% 27 b.p. 3.62% 2.77% (85 b.p.) Cost of Risk LTM 0.91% 0.96% 5 b.p. 0.49% 0.68% 19 b.p. 7.70% 6.10% (160 b.p.) 6
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Key Indicators 7 Hey Individuals Hey Businesses Retail Individuals Retail SMEs # Active Users 507,908 (7%) 16,618 19% 517,783 7% 88,203 (1%) MAU (Monthly Active Users) 391,586 (17%) 13,261 12% 472,550 8% 79,588 (0%) MAU / Active Users 77.10% (12%) 79.80% (6%) 91.26% 53 b.p. 90.23% 38 b.p. CAC (Customer Acquisition Cost) $170 3% $5,527 (35%) $1,252 (11%) $7,001 (45%) LTV (Lifetime Value) $4,217 5% $127,447 37% $9,729 4% $235,866 (7%) ARPAC (Av. Revenue per Active Client) $124 9% $2,842 33% $809 (9%) $3,639 (3%) CTS (Cost to Serve) $36 22% $187 (10%) $393 13% $1,529 25% CSI (Cross Selling Index) 1.80 1% 1.78 8% 1.51 3% 2.06 5% As of June 2025.
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Banregio Grupo Financiero
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Wholesale
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Wholesale Business - Financial Indicators 2Q24 1Q25 2Q25 Growth YoY QoQ Growth Demand deposits 31,703 36,872 39,124 23% 6% Time deposits 14,348 16,584 12,990 (9%) (22%) Performing loans + Leasing 116,788 127,609 128,683 10% 1% Risks Cost of risk QTR 0.5% 0.4% 0.4% (4 b.p.) 1 b.p. Cost of risk LTM 0.2% 0.5% 0.4% 20 b.p. (2 b.p.) NPL 0.9% 1.2% 1.4% 48 b.p. 17 b.p. Numbers in million pesos. 10
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Wholesale Business – Performing Loans by region Numbers in million pesos. 1 Mexico City: all the municipalities of Mexico City and the State of Mexico 11 41,367 42,617 44,111 46,078 46,161 2Q24 3Q24 4Q24 1Q25 2Q25 11,529 11,994 12,539 12,920 13,581 2Q24 3Q24 4Q24 1Q25 2Q25 19,091 19,086 20,057 20,191 20,237 2Q24 3Q24 4Q24 1Q25 2Q25 44,590 46,578 48,222 48,267 48,524 2Q24 3Q24 4Q24 1Q25 2Q25 18%6% 12% 9% Nuevo Leon Jalisco Other Regions Mexico City 1
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Retail Banking
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Retail Banking – Financial Indicators 2Q24 1Q25 2Q25 Growth YoY QoQ Growth Performing Loan Portfolio 38,961 42,045 43,089 11% 2% SME’s + Leasing 14,037 15,079 15,288 9% 1% Auto 4,994 5,614 5,781 16% 3% Consumer 4,570 4,963 5,345 17% 8% Mortgage 15,359 16,389 16,675 9% 2% Deposits 105,653 110,521 109,034 3% (1%) SME’s 33,969 30,272 27,601 (19%) (9%) Demand deposits 24,629 21,073 20,109 (18%) (5%) Time deposits 9,340 9,199 7,492 (20%) (19%) Preferred Banking 71,684 80,249 81,434 14% 1% Demand deposits 18,294 19,579 20,345 11% 4% Time deposits 53,389 60,670 61,088 14% 1% Risks Retail Cost of risk QTR 1.3% 1.6% 1.3% 6 b.p. (27 b.p.) Retail Cost of risk LTM 1.2% 1.4% 1.4% 17 b.p. 4 b.p. NPL SME's portfolio 3.2% 3.3% 3.2% 2 b.p. (3 b.p.) NPL auto portfolio 0.5% 0.5% 0.5% 1 b.p. 7 b.p. NPL consumer portfolio 2.8% 3.0% 2.9% 6 b.p. (15 b.p.) NPL mortgage portfolio 1.5% 1.3% 1.3% (15 b.p.) (4 b.p.) Numbers in million pesos. 13
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Retail Banking – Performing Loans by region Numbers in million pesos. 1 Mexico City: all the municipalities of Mexico City and the State of Mexico. 10% 7% 10% 28% 13% 8% 7% 13% 14 10%18% 9% 11% Nuevo Leon Jalisco Other Regions Mexico City 1 6,418 6,648 6,529 6,850 6,892 9,837 10,211 10,499 10,477 10,843 16,255 16,859 17,028 17,326 17,735 2Q24 3Q24 4Q24 1Q25 2Q25 SMEs Preferred Banking 5,817 6,042 6,050 6,211 6,282 10,149 10,396 10,792 11,053 11,475 15,965 16,438 16,842 17,264 17,757 2Q24 3Q24 4Q24 1Q25 2Q25 SMEs Preferred Banking 1,121 1,192 1,350 1,411 1,439 1,604 1,654 1,718 1,735 1,765 2,725 2,846 3,068 3,145 3,204 2Q24 3Q24 4Q24 1Q25 2Q25 SMEs Preferred Banking 1,565 1,635 1,577 1,745 1,771 2,401 2,446 2,501 2,517 2,576 3,966 4,081 4,079 4,262 4,347 2Q24 3Q24 4Q24 1Q25 2Q25 SMEs Preferred Banking
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Hey Banco / Individuals
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∆ YoY Active Clients: Hey Individuals 87% 81% 81% 80% 77% MAU* / Active Clients (Individuals) Net Promoter Score 57 NPS Hey Individuals 11,041 Clients with Fan Membership * MAU (Monthly Active User): Users who have at least one login within the application. (7%) Hey Individuals MAU / Active Clients 17 543,508 527,742 523,028 512,084 507,908 87% 81% 81% 80% 77% jun-24 sept-24 dec-24 mar-25 jun-25
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Balance: Hey Individuals Time Deposits Debit Savings $3,900 $2,200 $279,100 Auto Loan Personal Loan Credit Card* *Includes only traditional Credit Card ∆ YoY ∆ YoY 12% (19%) 25% 22% $41,100 $51,100 $181,300 11% (7%) 6% 2% Deposits / Average Balance Loans / Average Lines 18 $8,298 $8,759 $9,465 $9,761 $10,389 $327 $290 $295 $265 $264 $1,726 $1,651 $1,853 $1,771 $1,939 $10,351 $10,700 $11,614 $11,797 $12,592 jun-24 sept-24 dec-24 mar-25 jun-25 $3,185 $3,172 $3,188 $3,286 $3,378 $1,821 $1,784 $1,791 $1,723 $1,697 $86 $86 $80 $88 $95 $5,092 $5,042 $5,059 $5,096 $5,171 jun-24 sept-24 dec-24 mar-25 jun-25 Year-over-year growths are compared to the observed month.
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Hey Banco / Businesses
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9,507 9,706 10,091 10,572 10,959 4,489 4,866 4,851 5,306 5,659 13,996 14,572 14,942 15,878 16,618 85% 85% 80% 80% 79% jun-24 sept-24 dec-24 mar-25 jun-25 ∆ YoY Active Clients: Hey Businesses 85% 85% 80% 80% 79% MAU* / Active Clients (Businesses) Net Promoter Score 60 NPS Hey Business 63% of active clients are Individuals with Business Activity * MAU (Monthly Active User): Users who have at least one login within the application. 26% 19% 15% Businesses (B) MAU / Active ClientsIndividuals with Business Activity (IBA) 20 37% of active clients are Businesses
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$2,157 $2,194 $2,142 $2,266 $2,313 $1,039 $1,017 $1,063 $1,154 $1,218 $180 $245 $349 $488 $624 $50 $53 $55 $57 $61 $3,426 $3,509 $3,610 $3,965 $4,215 jun-24 sept-24 dec-24 mar-25 jun-25 23% IBA 1 B 2 General $100,000 $167,900 $134,000 $1,281,600 $2,189,600 $1,735,600 $1,142,100 $2,064,800 $1,603,500 $404,500 $712,800 $558,700 Balance: Hey Businesses Time Deposits Debit IBA 1 B 2 General $4,900 $5,200 $5,000 $408,000 $538,300 $466,400 $11,000 $61,392 $31,200 Simple Credit Business Credit Card Revolving Credit ∆ YoY ∆ YoY 22% 17% 7% Deposits / Average Balance Loans / Average Lines 21 Year-over-year growths are compared to the observed month. | 1 IBA stands for Individuals with Business Activity. | 2 B stands for Businesses. Auto Credit Saving $381 $355 $543 $419 $483 $183 $211 $222 $267 $293 $3 $4 $3 $4 $5 $566 $570 $768 $691 $780 jun-24 sept-24 dec-24 mar-25 jun-25 27% 60% 38% 67% 247%
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Hey Payment
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$4,450 $4,965 $6,088 $5,511 $5,745 $3,540 $3,979 $2,786 $4,124 $4,363 $2,555 $2,878 $2,840 $2,031 $1,468 $180 $206 $222 $224 $217 $10,725 $12,027 $11,936 $11,890 $11,793 jun-24 sept-24 dec-24 mar-25 jun-25 Aggregators + Large Companies ∆ YoY Monthly Billing: Hey Payment Payment Growth 10% YoY growth in Total Billing 20% YoY growth of Hey Billing Banregio Payment Facilitators Hey Total 33,943 34,885 35,338 36,309 35,239 79% 10% 27% (43%) 23 Year-over-year growths are compared to the observed month. 23% Active Affiliations
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Marketing & Media
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Followers 2.1M Reach Social Media 8.8M 25 Social Media: Instagram Hey Banco & Hey Media, Facebook Hey Banco & Hey Media, Twitter Hey Banco & Hey Media, Linkedin Hey, Youtube Hey, TikTok Hey and Spotify Hey Media. 25.3 M 23.7 M 14.5 M 7.3 M 8.8 M jun-24 sept-24 dec-24 mar-25 jun-25 1.9 M 2.0 M 2.0 M 2.1 M 2.1 M jun-24 sept-24 dec-24 mar-25 jun-25 Strategic Indicators / Hey Banco + Media New Hey Card Designs First limited-edition 2025 cards featuring the exclusive design 'Hey Saturno', the most-voted design. Hey Rivers Launch Strategic partnership with @samyrivers that includes exclusive promotions, limited-edition products, and promotional activities to strengthen brand presence and increase engagement.
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Appendix
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Balance Sheet 2Q24 1Q25 2Q25 Growth YoY QoQ Cash and Equivalents 13,311 12,531 16,631 25% 33% Securities Investments 36,296 46,164 49,182 36% 7% Loans Stage 1 161,209 175,498 178,015 10% 1% Commercial 134,889 147,525 149,330 11% 1% Mortgage 14,842 15,844 16,086 8% 2% Consumer 11,478 12,129 12,599 10% 4% Loans Stage 2 2,918 3,008 2,917 (0%) (3%) Commercial 2,063 2,134 2,002 (3%) (6%) Mortgage 517 543 589 14% 8% Consumer 338 331 326 (4%) (2%) Loans Stage 3 2,180 2,480 2,790 28% 13% Commercial 1,610 1,963 2,245 39% 14% Mortgage 226 224 221 (2%) (1%) Consumer 344 293 324 (6%) 11% Total Loans 166,307 180,986 183,722 10% 2% Provisions (3,619) (3,737) (3,906) 8% 5% Operational Leasing 239 205 226 (5%) 10% Other Assets 19,591 19,502 17,312 (12%) (11%) Total Assets 232,125 255,651 263,167 13% 3% Numbers in million pesos. 27
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2Q24 1Q25 2Q25 Growth YoY QoQ Core Deposits 163,644 176,464 174,521 7% (1%) Demand deposits 77,522 79,983 82,269 6% 3% Time deposits 86,122 96,481 92,252 7% (4%) Commercial Paper (CEBURES) 2,385 4,589 4,732 98% 3% Development Banks 3,785 3,363 3,487 (8%) 4% Repurchase Agreements 19,566 25,163 36,551 87% 45% Other Liabilities 12,460 11,877 9,601 (23%) (19%) Total Liabilities 201,840 221,456 228,892 13% 3% Total Stockholder’s Equity 30,285 34,195 34,275 13% 0% Stockholder’s Equity + Liabilities 232,125 255,651 263,167 13% 3% Balance Sheet Numbers in million pesos. 28
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June 2025. | Net interest NIM: Financial Margin of last 4 quarters / Average productive assets of the last 12 months. | Net interest NIM: Financial Margin of the quarter / Average productive assets of the quarter. | Net Margin (NIM) of Total Loans: (Financial margin of last 4 quarters (-) income by repos of last 4 quarters / Average performing loans 12 months). | Net Margin (NIM) of Total Loans: (Financial margin of the quarter - income by repos / Average performing loans of the quarter). | Return on Average Equity (ROAE): Net income of last 4 quarters / Average stockholders’ equity of last 4 quarters. | Return on Average Assets (ROAA): Net income of last 4 quarters / Average total assets of last 4 quarters. | Efficiency Ratio: Administration and promotion expenses of last 4 quarters / (Financial Margin + Commissions + Trading + Other Income) of last 4 quarters. | Loan to Deposits: Loan portfolio at the end of the quarter / Core deposits at the end of the quarter. | Coverage Ratio: Allowances to possible loan losses at the end of the quarter / Total Loans stage 3 at the end of the quarter. | CASA Ratio: Demand Deposits / Core Deposits. | NPL Ratio: Loans stage 3 at the end of the quarter / Total loan portfolio at the end of the quarter. 2Q24 3Q24 4Q24 1Q25 2Q25 Growth YoY QoQ NIM QTR 6.7% 6.6% 6.6% 6.4% 6.3% (39 b.p.) (4 b.p.) NIM LTM 6.3% 6.5% 6.6% 6.6% 6.5% 12 b.p. (10 b.p.) NIM of Total Loans QTR 7.4% 7.5% 7.3% 7.2% 7.3% (18 b.p.) 10 b.p. NIM of Total Loans LTM 7.6% 7.6% 7.5% 7.4% 7.3% (25 b.p.) (3 b.p.) Return on Equity (ROAE) 22.4% 21.7% 21.3% 20.6% 20.1% (228 b.p.) (45 b.p.) Return on Assets (ROAA) 2.8% 2.8% 2.8% 2.7% 2.6% (14 b.p.) (7 b.p.) Efficiency Ratio 39.0% 39.5% 39.7% 40.3% 40.8% 188 b.p. 52 b.p. Loan to Deposits 101.6% 101.6% 105.4% 102.6% 105.3% 364 b.p. 271 b.p. Coverage Ratio 166.0% 167.7% 163.4% 150.7% 140.0% (2,601 b.p.) (1,069 b.p.) Capital Tier I Ratio BRM 15.2% 14.5% 14.3% 14.7% 14.1% (109 b.p.) (55 b.p.) CASA Ratio 47.4% 44.5% 45.6% 45.3% 47.1% (23 b.p.) 181 b.p. Provisions to Total Loans 2.2% 2.1% 2.1% 2.1% 2.1% (5 b.p.) 6 b.p. Cost of Risk LTM 0.9% 0.9% 1.0% 1.0% 1.0% 5 b.p. (2 b.p.) NPL Ratio 1.3% 1.3% 1.3% 1.4% 1.5% 21 b.p. 15 b.p. Financial Indicators 29
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30 This presentation has been prepared by Regional, S.A.B. de C.V. (“Banregio”) for informational and discussion purposes. It does not constitute or form part of any offer or invitation to sell or issue, or any solicitation of any offer to purchase or subscribe for, any securities, nor shall any part of it nor the fact of its dissemination form part of or be relied on in connection with any contract or investment decision relating thereto. Any such offering may be made only by an offering memorandum and the information contained herein will be superseded in its entirety by such offering memorandum in final form. This presentation does not contain all the information you should consider before investing in any securities of Regional and no representation or warranty, express or implied, is made by any party as to the accuracy, fairness, completeness or materiality of the information furnished in this presentation, which remains subject to verification, completion and change without notice. We encourage investors to examine and analyze the risk factors Banregio Grupo Financiero, S.A.B. de C.V. presents on its Initial Public Offerings documents presented on Jul 15th, 2011 and on the annual reports provided to the Bolsa Mexicana de Valores. The information in this presentation includes forward-looking statements that are based on current expectations, beliefs, and predictions about future events. These forward-looking statements are subject to known and unknown risks, uncertainties and assumptions about Regional, its prospects and the economic environment in which it operates that may prove to be incorrect. Accordingly, the events described in such forward-looking statements may not occur and Banregio’s objectives may not be realized. For more information about the company please visit http://regional.mx and http://www.bmv.com.mx Disclaimer -