Slides
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Regional S.A.B. de C.V. Conference Call | January 2026
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Financial Summary 1 Capitalization ratio for Banco Regional, S.A. as of October 2025. 4Q24 3Q25 4Q25 Growth YoY QoQ Profitability Net Income QTR 1,693 1,531 1,816 7% 19% NIM LTM 6.6% 6.3% 6.3% (32 b.p.) (8 b.p.) NIM of Total Loans LTM 7.5% 7.3% 7.3% (19 b.p.) 1 b.p. ROAE LTM 21.3% 19.3% 19.1% (223 b.p.) (15 b.p.) ROAA LTM 2.8% 2.5% 2.5% (26 b.p.) (2 b.p.) Efficiency Ratio LTM 39.7% 41.7% 42.2% 256 b.p. 55 b.p. Growth Performing Loans + Leasing 175,080 185,233 188,580 8% 2% Demand Deposits 76,660 81,687 87,162 14% 7% Time Deposits 91,369 101,550 103,385 13% 2% LTD 105.4% 102.7% 100.2% (525 b.p.) (250 b.p.) CASA 45.6% 44.6% 45.7% 12 b.p. 116 b.p. Shareholders Equity 32,408 35,935 36,428 12% 1% Risks NPL Ratio 1.3% 1.6% 1.3% 1 b.p. (35 b.p.) Cost of Risk QTR 1.0% 1.0% 1.0% (2 b.p.) 1 b.p. Cost of Risk LTM 1.0% 1.0% 1.0% (3 b.p.) 0 b.p. Capitalization Ratio 1 14.7% 14.6% 15.0% 32 b.p. 43 b.p. 2
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Income Statement 4Q24 3Q25 4Q25 Growth YoY QoQ Interest income 7,930 7,533 7,565 (5%) 0% Interest expenses (4,161) (3,628) (3,543) (15%) (2%) Financial Margin 3,769 3,905 4,022 7% 3% Net provisions (444) (458) (471) 6% 3% Adjusted Financial Margin 3,325 3,447 3,551 7% 3% Commissions and fees 563 580 629 12% 8% FX fees 286 209 219 (24%) 5% Insurance 221 179 223 1% 25% Net leasing 41 47 60 47% 27% Non-Financial Income 1,111 1,015 1,130 2% 11% Other income (expense) (241) (410) (16) (93%) (96%) Total Income 4,195 4,053 4,665 11% 15% Total expenses (1,882) (1,947) (2,193) 17% 13% Operating Income 2,313 2,106 2,472 7% 17% Income tax (617) (575) (661) 7% 15% Net Income 1,693 1,531 1,816 7% 19% 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 4Q24 4Q25 YoY 4Q24 4Q25 YoY 4Q24 4Q25 YoY Loan Growth $177,104 $190,842 8% $168,255 $180,139 7% $8,849 $10,703 21% Core Deposits $168,029 $190,547 13% $155,648 $176,846 14% $12,382 $13,700 11% Financial Margin $3,769 $4,022 7% $3,581 $3,725 4% $188 $297 58% NIM LTM 6.6% 6.3% (32 b.p.) 6.5% 6.2% (34 b.p.) 7.0% 10.0% 302 b.p. Provisions ($444) ($471) 6% ($279) ($305) 9% ($165) ($167) 1% Non-Financial Income $1,157 $1,154 (0%) $884 $843 (5%) $273 $311 14% Operating Expenses ($1,881) ($2,193) 17% ($1,566) ($1,862) 19% ($315) ($331) 5% Net Income $1,693 $1,816 7% $1,722 $1,761 2% ($29) $55 289% Efficiency Ratio LTM 39.7% 42.3% 258 b.p. 36.3% 39.8% 350 b.p. 71.7% 57.6% (1,403 b.p.) NPL 1.27% 1.28% 1 b.p. 1.23% 1.17% (6 b.p.) 2.03% 3.08% 105 b.p. Cost of Risk LTM 0.99% 0.95% (4 b.p.) 0.64% 0.69% 5 b.p. 7.13% 5.47% (166 b.p.) 6
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Key Indicators 7 Hey Individuals Hey Businesses Retail Individuals Retail SMEs # Active Users 475,631 (9%) 18,275 22% 529,256 6% 87,386 0% MAU (Monthly Active Users) 418,812 (7%) 16,942 31% 491,116 8% 77,511 (1%) MAU / Active Users 88% 3% 93% 7% 93% 1% 89% (1%) CAC (Customer Acquisition Cost) 319 109% 9,672 15% 1,408 (14%) 12,019 1% LTV (Lifetime Value) 7,594 47% 98,527 42% 9,829 12% 244,969 1% ARPAC (Av. Revenue per Active Client) 202 39% 2,289 34% 850 3% 3,500 3% CTS (Cost to Serve) 44 17% 236 (11%) 442 29% 1,725 34% CSI (Cross Selling Index) 1.76 3% 1.74 (1%) 1.51 1% 2.06 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 4Q24 3Q25 4Q25 Growth YoY QoQ Growth Demand deposits 27,352 39,163 38,756 42% (1%) Time deposits 9,665 18,701 19,943 +100% 7% Performing loans + Leasing 125,106 131,759 133,995 7% 2% Risks Cost of risk QTR 0.6% 0.5% 0.1% (43 b.p.) (32 b.p.) Cost of risk LTM 0.4% 0.4% 0.4% (5 b.p.) (4 b.p.) NPL 1.1% 1.5% 1.0% (10 b.p.) (57 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 21%10% 4% 5% Nuevo Leon Jalisco Other Regions Mexico City 1 44,111 46,078 46,161 47,427 45,999 4Q24 1Q25 2Q25 3Q25 4Q25 12,539 12,920 13,581 14,766 15,216 4Q24 1Q25 2Q25 3Q25 4Q25 20,057 20,191 20,237 20,222 22,161 4Q24 1Q25 2Q25 3Q25 4Q25 48,222 48,267 48,524 49,182 50,472 4Q24 1Q25 2Q25 3Q25 4Q25
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Retail Banking
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Retail Banking – Financial Indicators 4Q24 3Q25 4Q25 Growth YoY QoQ Growth Performing Loan Portfolio 41,061 43,673 44,212 8% 1% SME’s + Leasing 14,496 15,248 15,216 5% (0%) Auto 5,410 5,968 6,126 13% 3% Consumer 5,037 5,376 5,535 10% 3% Mortgage 16,119 17,081 17,334 8% 1% Deposits 118,759 111,398 118,146 (1%) 6% SME’s 36,173 26,911 30,197 (17%) 12% Demand deposits 26,190 19,170 22,630 (14%) 18% Time deposits 9,983 7,742 7,567 (24%) (2%) Preferred Banking 82,586 84,487 87,949 6% 4% Demand deposits 20,568 20,515 22,416 9% 9% Time deposits 62,018 63,972 65,533 6% 2% Risks Retail Cost of risk QTR 1.0% 1.3% 2.2% 123 b.p. 92 b.p. Retail Cost of risk LTM 1.3% 1.4% 1.7% 39 b.p. 25 b.p. NPL SME's portfolio 3.2% 3.5% 3.4% 20 b.p. (8 b.p.) NPL auto portfolio 0.5% 0.6% 0.6% 11 b.p. 0 b.p. NPL consumer portfolio 2.9% 2.8% 3.2% 23 b.p. 41 b.p. NPL mortgage portfolio 1.3% 1.3% 1.2% (10 b.p.) (8 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% 7% 5% (2%) 13% 3% 9% 8% 14 8%2% 7% 9% Nuevo Leon Jalisco Other Regions Mexico City 1 6,529 6,850 6,892 7,004 7,049 10,499 10,477 10,843 11,019 11,182 17,028 17,326 17,735 18,024 18,231 4Q24 1Q25 2Q25 3Q25 4Q25 1,577 1,745 1,771 1,737 1,696 2,501 2,517 2,576 2,654 2,717 4,079 4,262 4,347 4,390 4,413 4Q24 1Q25 2Q25 3Q25 4Q25 1,350 1,411 1,439 1,354 1,318 1,718 1,735 1,765 1,753 1,797 3,068 3,145 3,204 3,106 3,115 4Q24 1Q25 2Q25 3Q25 4Q25 6,050 6,211 6,282 6,265 6,211 10,792 11,053 11,475 11,855 12,204 16,842 17,264 17,757 18,120 18,415 4Q24 1Q25 2Q25 3Q25 4Q25
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Hey Banco / Individuals
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523,028 512,084 507,908 482,074 475,631 81% 80% 77% 78% 88% dec-24 mar-25 jun-25 sept-25 dec-25 ∆ YoY Active Clients: Hey Individuals 81% 80% 77% 78% 88% MAU* / Active Clients (Individuals) Net Promoter Score 62 NPS Hey Individuals 9,664 Clients with Fan Membership * MAU (Monthly Active User): Users who have at least one login within the application. (9%) Hey Individuals MAU / Active Clients 17
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$3,188 $3,286 $3,378 $3,575 $3,777 $1,791 $1,723 $1,697 $1,688 $1,703 $80 $88 $95 $104 $110 $5,059 $5,096 $5,171 $5,368 $5,591 dec-24 mar-25 jun-25 sept-25 dec-25 $9,465 $9,761 $10,389 $10,846 $10,046 $295 $265 $264 $256 $293 $1,853 $1,771 $1,939 $2,035 $2,255 $11,613 $11,798 $12,592 $13,137 $12,594 dec-24 mar-25 jun-25 sept-25 dec-25 Balance: Hey Individuals Time Deposits Debit Savings $4,500 $2,600 $304,300 Auto Loan Personal Loan Credit Card* *Includes only traditional Credit Card ∆ YoY ∆ YoY 22% (1%) 6% 8% $37,700 $53,300 $235,500 38% (5%) 18% 10% Deposits / Average Balance Loans / Average Lines 18 Year-over-year growths are compared to the observed month.
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Hey Banco / Businesses
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$10,091 $10,572 $10,959 $11,486 $11,943 $4,851 $5,306 $5,659 $6,030 $6,332 $14,942 $15,878 $16,618 $17,516 $18,275 80% 80% 79% 77% 93% dec-24 mar-25 jun-25 sept-25 dec-25 ∆ YoY Active Clients: Hey Businesses 86% 87% 86% 87% 93% MAU* / Active Clients (Businesses) Net Promoter Score 58 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. 31% 22% 18% Businesses (B) MAU / Active ClientsIndividuals with Business Activity (IBA) 20 35% of active clients are Businesses
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$2,142 $2,266 $2,313 $2,411 $2,476 $1,063 $1,154 $1,218 $1,239 $1,398 $349 $488 $624 $716 $835 $55 $57 $61 $68 $74 $3,610 $3,965 $4,215 $4,433 $4,783 dec-24 mar-25 jun-25 sept-25 dec-25 $543 $419 $483 $544 $805 $222 $267 $293 $289 $295 $3 $4 $5 $5 $6 $768 $691 $780 $839 $1,106 dec-24 mar-25 jun-25 sept-25 dec-25 33% IBA 1 B 2 General $103,900 $168,700 $136,300 $1,519,500 $2,441,900 $1,980,700 $1,400,700 $2,483,700 $1,942,200 $493,500 $722,500 $608,000 Balance: Hey Businesses Time Deposits Debit IBA 1 B 2 General $6,600 $6,500 $6,600 $476,600 $487,500 $482,700 $12,600 $98,079 $46,500 Simple Credit Business Credit Card Revolving Credit ∆ YoY ∆ YoY 34% 31% 16% 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 48% 33% 44% 86% 139%
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Hey Payment
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$6,088 $5,511 $5,745 $5,669 $6,777 $2,786 $4,124 $4,363 $4,052 $6,967 $2,840 $2,031 $1,468 $1,552 $1,944 $222 $224 $217 $216 $258 $11,936 $11,890 $11,793 $11,489 $15,946 dec-24 mar-25 jun-25 sept-25 dec-25 Aggregators + Large Companies ∆ YoY Monthly Billing: Hey Payment Payment Growth 34% YoY growth in Total Billing 150% YoY growth of Hey Billing Banregio Payment Facilitators Hey Total 35,338 36,309 35,239 31,308 30,476 16% 34% 11% (32%) 23 Year-over-year growths are compared to the observed month. 150% Active Affiliations
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Marketing & Media
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Appendix
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Balance Sheet 4Q24 3Q25 4Q25 Growth YoY QoQ Cash and Equivalents 13,001 15,956 18,233 40% 14% Securities Investments 43,929 54,460 56,031 28% 3% Loans Stage 1 171,668 181,683 184,681 8% 2% Commercial 144,010 152,233 154,404 7% 1% Mortgage 15,585 16,515 16,802 8% 2% Consumer 12,073 12,935 13,475 12% 4% Loans Stage 2 3,186 3,353 3,715 17% 11% Commercial 2,339 2,446 2,839 21% 16% Mortgage 533 566 532 (0%) (6%) Consumer 314 341 344 10% 1% Loans Stage 3 2,250 3,064 2,446 9% (20%) Commercial 1,793 2,515 1,880 5% (25%) Mortgage 219 230 218 (0%) (5%) Consumer 238 319 348 46% 9% Total Loans 177,104 188,100 190,842 8% 1% Provisions (3,677) (3,990) (3,731) 1% (6%) Operational Leasing 226 197 184 (19%) (7%) Other Assets 17,427 16,198 15,857 (9%) (2%) Total Assets 248,010 270,921 277,416 12% 2% Numbers in million pesos. 26
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4Q24 3Q25 4Q25 Growth YoY QoQ Core Deposits 168,029 183,237 190,547 13% 4% Demand deposits 76,660 81,687 87,162 14% 7% Time deposits 91,369 101,550 103,385 13% 2% Commercial Paper (CEBURES) 4,591 4,703 4,707 3% 0% Development Banks 3,830 3,553 3,524 (8%) (1%) Repurchase Agreements 27,472 33,814 34,000 24% 1% Other Liabilities 11,680 9,679 8,210 (30%) (15%) Total Liabilities 215,602 234,986 240,988 12% 3% Total Stockholder’s Equity 32,408 35,935 36,428 12% 1% Stockholder’s Equity + Liabilities 248,010 270,921 277,416 12% 2% Balance Sheet Numbers in million pesos. 27
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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. 4Q24 1Q25 2Q25 3Q25 4Q25 Growth YoY QoQ NIM QTR 6.6% 6.4% 6.3% 6.2% 6.2% (35 b.p.) (1 b.p.) NIM LTM 6.6% 6.6% 6.5% 6.3% 6.3% (32 b.p.) (8 b.p.) NIM of Total Loans QTR 7.3% 7.2% 7.3% 7.3% 7.4% 17 b.p. 15 b.p. NIM of Total Loans LTM 7.5% 7.4% 7.3% 7.3% 7.3% (19 b.p.) 1 b.p. Return on Equity (ROAE) 21.3% 20.6% 20.1% 19.3% 19.1% (223 b.p.) (15 b.p.) Return on Assets (ROAA) 2.8% 2.7% 2.6% 2.5% 2.5% (26 b.p.) (2 b.p.) Efficiency Ratio 39.7% 40.3% 40.8% 41.7% 42.2% 256 b.p. 55 b.p. Loan to Deposits 105.4% 102.6% 105.3% 102.7% 100.2% (525 b.p.) (250 b.p.) Coverage Ratio 163.4% 150.7% 140.0% 130.2% 152.5% (1,089 b.p.) 2,231 b.p. Capital Tier I Ratio BRM 14.7% 14.7% 14.4% 14.6% 15.0% 32 b.p. 43 b.p. CASA Ratio 45.6% 45.3% 47.1% 44.6% 45.7% 12 b.p. 116 b.p. Provisions to Total Loans 2.1% 2.1% 2.1% 2.1% 2.0% (12 b.p.) (17 b.p.) Cost of Risk LTM 1.0% 1.0% 1.0% 1.0% 1.0% (3 b.p.) 0 b.p. NPL Ratio 1.3% 1.4% 1.5% 1.6% 1.3% 1 b.p. (35 b.p.) Financial Indicators 28
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29 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 -