Slides
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Regional S.A.B. de C.V. Conference Call | October 2025
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Financial Summary 1 Capitalization ratio for Banco Regional, S.A. as of May 2025. 3Q24 2Q25 3Q25 Growth YoY QoQ Profitability Net Income QTR 1,604 1,639 1,531 (5%) (7%) NIM LTM 6.5% 6.5% 6.3% (13 b.p.) (12 b.p.) NIM of Total Loans LTM 7.6% 7.3% 7.3% (28 b.p.) (6 b.p.) ROAE LTM 21.7% 20.1% 19.3% (248 b.p.) (89 b.p.) ROAA LTM 2.8% 2.6% 2.5% (24 b.p.) (11 b.p.) Efficiency Ratio LTM 39.5% 40.8% 41.7% 221 b.p. 83 b.p. Growth Performing Loans + Leasing 169,334 181,158 185,233 9% 2% Demand Deposits 75,049 82,269 81,687 9% (1%) Time Deposits 93,506 92,252 101,550 9% 10% LTD 101.6% 105.3% 102.7% 105 b.p. (262 b.p.) CASA 44.5% 47.1% 44.6% 6 b.p. (256 b.p.) Shareholders Equity 31,885 34,275 35,935 13% 5% Risks NPL Ratio 1.3% 1.5% 1.6% 38 b.p. 11 b.p. Cost of Risk QTR 1.0% 0.9% 1.0% 0 b.p. 7 b.p. Cost of Risk LTM 0.9% 1.0% 1.0% 3 b.p. 0 b.p. Capitalization Ratio 1 14.5% 14.4% 14.6% 11 b.p. 23 b.p. 2
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Income Statement 3Q24 2Q25 3Q25 Growth YoY QoQ Interest income 7,702 7,742 7,533 (2%) (3%) Interest expenses (4,050) (3,927) (3,628) (10%) (8%) Financial Margin 3,652 3,815 3,905 7% 2% Net provisions (419) (415) (458) 9% 10% Adjusted Financial Margin 3,233 3,400 3,447 7% 1% Commissions and fees 502 549 580 16% 6% FX fees 272 246 209 (23%) (15%) Insurance 151 176 179 18% 2% Net leasing 48 56 47 (2%) (15%) Non-Financial Income 974 1,027 1,015 4% (1%) Other income (expense) (266) (248) (410) 54% 65% Total Income 3,940 4,179 4,053 3% (3%) Total expenses (1,733) (1,931) (1,947) 12% 1% Operating Income 2,207 2,248 2,106 (5%) (6%) Income tax (590) (609) (575) (3%) (6%) Net Income 1,604 1,639 1,531 (5%) (7%) 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 3Q24 3Q25 YoY 3Q24 3Q25 YoY 3Q24 3Q25 YoY Loan Growth $171,259 $188,100 10% $162,453 $177,989 10% $8,806 $10,111 15% Core Deposits $168,555 $183,237 9% $157,285 $169,261 8% $11,270 $13,976 24% Financial Margin $3,652 $3,905 7% $3,482 $3,652 5% $170 $253 49% NIM LTM 6.5% 6.3% (12 b.p.) 6.4% 6.2% (21 b.p.) 6.9% 9.2% 234 b.p. Provisions ($419) ($458) 9% ($267) ($326) 22% ($152) ($132) (13%) Non-Financial Income $984 $1,026 4% $745 $742 (0%) $238 $284 19% Operating Expenses ($1,734) ($1,947) 12% ($1,438) ($1,619) 13% ($296) ($328) 11% Net Income $1,604 $1,531 (5%) $1,648 $1,496 (9%) ($44) $35 180% Efficiency Ratio LTM 39.5% 41.7% 221 b.p. 36.0% 39.5% 350 b.p. 76.5% 64.4% (1,213 b.p.) NPL 1.25% 1.63% 38 b.p. 1.16% 1.54% 38 b.p. 2.90% 3.07% 17 b.p. Cost of Risk LTM 0.94% 0.96% 2 b.p. 0.53% 0.69% 16 b.p. 7.69% 5.71% (198 b.p.) 6
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Key Indicators 7 Hey Individuals Hey Businesses Retail Individuals Retail SMEs # Active Users 482,074 (9%) 17,516 20% 524,021 6% 86,935 (2%) MAU (Monthly Active Users) 410,107 (8%) 15,180 24% 485,376 10% 78,214 (2%) MAU / Active Users 85.07% 0% 86.66% 3% 92.63% 3% 89.97% 1% CAC (Customer Acquisition Cost) $258 71% $6,872 (1%) $1,220 (21%) $8,902 (23%) LTV (Lifetime Value) $6,333 24% $91,135 55% $9,690 14% $238,776 0% ARPAC (Av. Revenue per Active Client) $171 28% $2,107 44% $859 (5%) $3,527 (4%) CTS (Cost to Serve) $39 42% $208 (10%) $387 11% $1,514 17% CSI (Cross Selling Index) 1.75 2% 1.79 8% 1.51 0% 2.07 1% As of September 2025.
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Banregio Grupo Financiero
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Wholesale
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Wholesale Business - Financial Indicators 3Q24 2Q25 3Q25 Growth YoY QoQ Growth Demand deposits 30,309 39,124 39,163 29% 0% Time deposits 17,619 12,990 18,701 6% 44% Performing loans + Leasing 120,444 128,683 131,759 9% 2% Risks Cost of risk QTR 0.6% 0.4% 0.5% (11 b.p.) 2 b.p. Cost of risk LTM 0.3% 0.4% 0.4% 9 b.p. (2 b.p.) NPL 0.9% 1.4% 1.5% 61 b.p. 14 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 23%6% 11% 6% Nuevo Leon Jalisco Other Regions Mexico City 1 42,617 44,111 46,078 46,161 47,427 3Q24 4Q24 1Q25 2Q25 3Q25 46,578 48,222 48,267 48,524 49,182 3Q24 4Q24 1Q25 2Q25 3Q25 19,086 20,057 20,191 20,237 20,222 3Q24 4Q24 1Q25 2Q25 3Q25 11,994 12,539 12,920 13,581 14,766 3Q24 4Q24 1Q25 2Q25 3Q25
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Retail Banking
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Retail Banking – Financial Indicators 3Q24 2Q25 3Q25 Growth YoY QoQ Growth Performing Loan Portfolio 40,261 43,089 43,676 8% 1% SME’s + Leasing 14,532 15,288 15,248 5% (0%) Auto 5,196 5,781 5,968 15% 3% Consumer 4,810 5,345 5,376 12% 1% Mortgage 15,724 16,675 17,081 9% 2% Deposits 108,311 109,034 111,398 3% 2% SME’s 35,357 27,601 26,911 (24%) (2%) Demand deposits 23,956 20,109 19,170 (20%) (5%) Time deposits 11,401 7,492 7,742 (32%) 3% Preferred Banking 72,954 81,434 84,487 16% 4% Demand deposits 18,168 20,345 20,515 13% 1% Time deposits 54,786 61,088 63,972 17% 5% Risks Retail Cost of risk QTR 0.9% 1.3% 1.3% 34 b.p. (4 b.p.) Retail Cost of risk LTM 1.1% 1.4% 1.4% 25 b.p. 0 b.p. NPL SME's portfolio 3.2% 3.2% 3.5% 30 b.p. 21 b.p. NPL auto portfolio 0.5% 0.5% 0.6% 9 b.p. 6 b.p. NPL consumer portfolio 2.9% 2.9% 2.8% (18 b.p.) (10 b.p.) NPL mortgage portfolio 1.4% 1.3% 1.3% (7 b.p.) 2 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. 8% 5% 6% 14% 14% 4% 9% 6% 14 8%9% 7% 10% Nuevo Leon Jalisco Other Regions Mexico City 1 6,648 6,529 6,850 6,892 7,004 10,211 10,499 10,477 10,843 11,019 16,859 17,028 17,326 17,735 18,024 3Q24 4Q24 1Q25 2Q25 3Q25 SMEs Preferred Banking 6,042 6,050 6,211 6,282 6,265 10,396 10,792 11,053 11,475 11,855 16,438 16,842 17,264 17,757 18,120 3Q24 4Q24 1Q25 2Q25 3Q25 SMEs Preferred Banking 1,192 1,350 1,411 1,439 1,354 1,654 1,718 1,735 1,765 1,753 2,846 3,068 3,145 3,204 3,106 3Q24 4Q24 1Q25 2Q25 3Q25 SMEs Preferred Banking 1,635 1,577 1,745 1,771 1,737 2,446 2,501 2,517 2,576 2,654 4,081 4,079 4,262 4,347 4,390 3Q24 4Q24 1Q25 2Q25 3Q25 SMEs Preferred Banking
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Hey Banco / Individuals
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∆ YoY Active Clients: Hey Individuals 81% 81% 80% 77% 78% MAU* / Active Clients (Individuals) Net Promoter Score 60 NPS Hey Individuals * MAU (Monthly Active User): Users who have at least one login within the application. (9%) Hey Individuals MAU / Active Clients 17 527,742 523,028 512,084 507,908 482,074 81% 81% 80% 77% 78% sept-24 dec-24 mar-25 jun-25 sept-25
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Balance: Hey Individuals Time Deposits Debit Savings $4,000 $2,200 $306,200 Auto Loan Personal Loan Credit Card* *Includes only traditional Credit Card ∆ YoY ∆ YoY 23% (12%) 24% 23% $38,300 $52,000 $235,000 21% (5%) 13% 6% Deposits / Average Balance Loans / Average Lines 18 Year-over-year growths are compared to the observed month. $8,759 $9,465 $9,761 $10,389 $10,846 $290 $295 $265 $264 $256 $1,651 $1,853 $1,771 $1,939 $2,035 $10,700 $11,614 $11,797 $12,592 $13,137 sept-24 dec-24 mar-25 jun-25 sept-25 $3,172 $3,188 $3,286 $3,378 $3,575 $1,784 $1,791 $1,723 $1,697 $1,688 $86 $80 $88 $95 $104 $5,042 $5,059 $5,096 $5,171 $5,368 sept-24 dec-24 mar-25 jun-25 sept-25
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Hey Banco / Businesses
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∆ YoY Active Clients: Hey Businesses 85% 80% 80% 79% 77% MAU* / Active Clients (Businesses) Net Promoter Score 64 NPS Hey Business 65% of active clients are Individuals with Business Activity * MAU (Monthly Active User): Users who have at least one login within the application. 24% 20% 18% Businesses (B) MAU / Active ClientsIndividuals with Business Activity (IBA) 20 35% of active clients are Businesses 9,706 10,091 10,572 10,959 11,486 4,866 4,851 5,306 5,659 6,030 14,572 14,942 15,878 16,618 17,516 85% 80% 80% 79% 77% sept-24 dec-24 mar-25 jun-25 sept-25
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26% IBA 1 B 2 General $101,200 $164,200 $132,700 $1,382,100 $2,235,200 $1,853,700 $1,302,000 $2,230,300 $1,766,200 $421,500 $721,200 $571,400 Balance: Hey Businesses Time Deposits Debit IBA 1 B 2 General $6,500 $5,700 $6,200 $420,400 $506,800 $461,500 $12,000 $65,358 $33,100 Simple Credit Business Credit Card Revolving Credit ∆ YoY ∆ YoY 28% 22% 10% 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 53% 37% 47% 26% 193% $355 $543 $419 $483 $544 $211 $222 $267 $293 $289 $4 $3 $4 $5 $5 $570 $768 $691 $780 $839 sept-24 dec-24 mar-25 jun-25 sept-25 $2,194 $2,142 $2,266 $2,313 $2,411 $1,017 $1,063 $1,154 $1,218 $1,239 $245 $349 $488 $624 $716 $53 $55 $57 $61 $68 $3,509 $3,610 $3,965 $4,215 $4,433 sept-24 dec-24 mar-25 jun-25 sept-25
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Hey Payment
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Aggregators + Large Companies ∆ YoY Monthly Billing: Hey Payment Payment Growth (4)% YoY growth in Total Billing 2% YoY growth of Payment Facilitators Banregio Payment Facilitators Hey Total 34,885 35,338 36,309 35,239 31,308 5% (4%) 14% (46%) 23 Year-over-year growths are compared to the observed month. 2% Active Affiliations $4,965 $6,088 $5,511 $5,745 $5,669 $3,979 $2,786 $4,124 $4,363 $4,052 $2,878 $2,840 $2,031 $1,468 $1,552 $206 $222 $224 $217 $216 $12,027 $11,936 $11,890 $11,793 $11,489 sept-24 dec-24 mar-25 jun-25 sept-25
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Marketing & Media
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Strategic Indicators / Hey Banco + Media Followers Social Media Reach 8.8 M 2.1 M Financial Indicators Q225 sep-24 dec-24 mar-25 jun-25 sep-25 sep-24 dec-24 mar-25 jun-25 sep-25 25 RRSS - Redes Sociales: Instagram Hey Banco & Hey Media, Facebook Hey Banco & Hey Media, Twitter Hey Banco & Hey Media, Linkedin Hey, Youtube Hey, TikTok Hey y Spotify Hey Media Promotional Campaigns Implementation of the campaigns “Your Purchases Take You to Las Vegas,” “Contactless Payment Bonus,” “10% Cashback Hey Banco x Rivers,” and “Hey Days,” aimed at promoting the use of Hey Banco cards. Aprende con Hey Experts shared practical tips and advice on personal finance through Instagram, TikTok, and YouTube Live, aiming to promote financial education and strengthen the connection with Hey..
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Appendix
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Balance Sheet 3Q24 2Q25 3Q25 Growth YoY QoQ Cash and Equivalents 14,786 16,631 15,956 8% (4%) Securities Investments 43,608 49,182 54,460 25% 11% Loans Stage 1 166,329 178,015 181,683 9% 2% Commercial 139,394 149,330 152,233 9% 2% Mortgage 15,236 16,086 16,515 8% 3% Consumer 11,699 12,599 12,935 11% 3% Loans Stage 2 2,787 2,917 3,353 20% 15% Commercial 1,983 2,002 2,446 23% 22% Mortgage 488 589 566 16% (4%) Consumer 316 326 341 8% 5% Loans Stage 3 2,143 2,790 3,064 43% 10% Commercial 1,667 2,245 2,515 51% 12% Mortgage 223 221 230 3% 4% Consumer 253 324 319 26% (2%) Total Loans 171,259 183,722 188,100 10% 2% Provisions (3,593) (3,906) (3,990) 11% 2% Operational Leasing 218 226 197 (10%) (13%) Other Assets 17,890 17,312 16,198 (9%) (6%) Total Assets 244,168 263,167 270,921 11% 3% Numbers in million pesos. 27
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3Q24 2Q25 3Q25 Growth YoY QoQ Core Deposits 168,555 174,521 183,237 9% 5% Demand deposits 75,049 82,269 81,687 9% (1%) Time deposits 93,506 92,252 101,550 9% 10% Commercial Paper (CEBURES) 3,250 4,732 4,703 45% (1%) Development Banks 3,774 3,487 3,553 (6%) 2% Repurchase Agreements 22,619 36,551 33,814 49% (7%) Other Liabilities 14,085 9,601 9,679 (31%) 1% Total Liabilities 212,283 228,892 234,986 11% 3% Total Stockholder’s Equity 31,885 34,275 35,935 13% 5% Stockholder’s Equity + Liabilities 244,168 263,167 270,921 11% 3% Balance Sheet Numbers in million pesos. 28
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September 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. 3Q24 4Q24 1Q25 2Q25 3Q25 Growth YoY QoQ NIM QTR 6.6% 6.6% 6.4% 6.3% 6.2% (40 b.p.) (9 b.p.) NIM LTM 6.5% 6.6% 6.6% 6.5% 6.3% (13 b.p.) (12 b.p.) NIM of Total Loans QTR 7.5% 7.3% 7.2% 7.3% 7.3% (17 b.p.) 3 b.p. NIM of Total Loans LTM 7.6% 7.5% 7.4% 7.3% 7.3% (28 b.p.) (6 b.p.) Return on Equity (ROAE) 21.7% 21.3% 20.6% 20.1% 19.3% (247 b.p.) (89 b.p.) Return on Assets (ROAA) 2.8% 2.8% 2.7% 2.6% 2.5% (24 b.p.) (11 b.p.) Efficiency Ratio 39.5% 39.7% 40.3% 40.8% 41.7% 221 b.p. 83 b.p. Loan to Deposits 101.6% 105.4% 102.6% 105.3% 102.7% 105 b.p. (262 b.p.) Coverage Ratio 167.7% 163.4% 150.7% 140.0% 130.2% (3,744 b.p.) (978 b.p.) Capital Tier I Ratio BRM 14.5% 14.7% 14.7% 14.4% 14.6% 11 b.p. 23 b.p. CASA Ratio 44.5% 45.6% 45.3% 47.1% 44.6% 6 b.p. (256 b.p.) Provisions to Total Loans 2.1% 2.1% 2.1% 2.1% 2.1% 2 b.p. 0 b.p. Cost of Risk LTM 0.9% 1.0% 1.0% 1.0% 1.0% 3 b.p. 0 b.p. NPL Ratio 1.3% 1.3% 1.4% 1.5% 1.6% 38 b.p. 11 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 -