Slides
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Regional S.A.B. de C.V. Corporate Presentation | January 2026
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1 Capitalization ratio as of October 2025. 4Q24 4Q25 Growth YoY Profitability Net Income QTR 1,693 1,816 7% Net Income YTD 6,520 6,619 2% NIM LTM 6.6% 6.3% (32 b.p.) NIM of Total Loans LTM 7.6% 7.3% (28 b.p.) ROAE LTM 21.3% 19.1% (223 b.p.) ROAA LTM 2.8% 2.5% (26 b.p.) Efficiency Ratio LTM 39.7% 42.2% 256 b.p. Growth 0 Total Loan Portfolio 177,104 190,842 8% Demand Deposits 76,661 87,162 14% Time Deposits 91,369 103,385 13% Shareholders Equity 32,408 36,428 12% Risks 0 Cost of Risk LTM 1.0% 1.0% (3 b.p.) NPL Ratio 1.3% 1.3% 1 b.p. Capitalization Ratio 1 14.3% 15.0% 69 b.p. Key Figures 2
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What sets us apart
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Our strengths We combine the real and digital worlds like no other company can Strong growth potential with specialized attention in all banking segments through our two main channels Competitive and diversified funding structure Intensive digital initiatives to enhance our digital channels and achieve a highly effective operation Attractive and consistent dividend payments without compromising growth Experienced management and corporate governance
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▪ Individuals ‒ Mass market ▪ Business ‒ Small ‒ Sole proprietors ▪ Payments ▪ Marketplace ▪ Banking as a service ▪ Business ‒ Large ‒ Middle Market ‒ Small ▪ Individuals ‒ Private bank ‒ Mass affluent Uniquely positioned for accelerated high value growth… ▪ Ample funding and capital structures to grow fast and efficiently. ▪ We have a highly efficient, scalable and adequate models. ▪ Right strengths and tools to gain market share and become a relevant player in the Mexican financial system. ▪ Two platforms covering all segments with high value growth. ▪ Well positioned branding in all segments we attend. ▪ Unique customer experience in branch, through RMs. ▪ Ample room to growth new clients and continue to cross-sell to our customer base. ▪ The only multi-segment and multiproduct full digital bank in Mexico. ▪ Scalable and efficient platform. ▪ Multi-country expansion capabilities. 5
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During 4Q25, Regional's loan portfolio consistently outpacing industry standards and our profitability on a steady rise. Our Present 8% growth, led by the SMEs and consumer portfolios. 13% expansion with LDR standing at 100%. Account Servicing 17% Payment Services 17% Funds Transfers 13% The Financial Margin grew 7% YoY to 4 billion pesos. Efficiency ratio stood at 42.2%. 475k active clients 1.8 products per client, LTV of $7,540 Financial Margin Total Loan Portfolio Core Deposits Non-financial Income Efficiency Ratio 6
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▪ Strengthening our leadership and talent base through succession planning and a redesigned organizational structure. ▪ Constant evaluation in Corporate Committees, Boards of Directors and Risk Management practices. ▪ Business practices aligned to sustainability standards. ▪ Saturating the market in the segments we serve. ▪ Diversification in profitable industries without compromising asset quality. ▪ Developing commercial structures for sustainable growth. ▪ Data leverage for commercial and risk intelligence. ▪ Design and development of proprietary technology and operating processes. ▪ Infrastructure synergies across all of our business segments. ▪ Development of technological platforms and processes as a service. Regional’s Strategy Commercial Development Innovation, Disruption and Infrastructure Corporate Governance and company culture 7
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46.5 43.4 40.9 39.7 41.7 53.5 48.4 45.9 45.5 45.6 2021 2022 2023 2024 3Q25 Regional System 15.3 21.2 21.1 21.3 19.3 14.4 17.2 18.2 18.4 17.4 2021 2022 2023 2024 3Q25 Regional System 2.2 2.6 2.5 2.8 2.5 1.4 2.0 2.2 2.2 2.1 2021 2022 2023 2024 3Q25 Regional System 3,556 4,982 5,673 6,520 6,496 2021 2022 2023 2024 3Q25 ROAE% 1 Net Income 1 ROAA% 1 Efficiency Ratio% 1 Unmatched profitability Our distinctive value proposition entails delivering substantial bottom-line growth and operational efficiencies by leveraging our exceptional relationship model and advanced technological capabilities. Source: CNBV, October 2025. 1 Last Twelve Months. System CAGR 2021 – 3Q25: 11% Regional CAGR 2021 – 3Q25: 14% 8
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2.8 6.3 6.7 6.7 5.1 2.4 5.2 5.7 5.8 3.3 2021 2022 2023 2024 3Q25 Regional System 110.5% 109.0% 103.3% 105.4% 102.7% 90.8% 91.5% 93.4% 95.5% 96.3% 2021 2022 2023 2024 3Q25 Regional System 106,757 126,480 150,317 168,029 183,237 2021 2022 2023 2024 3Q25 117,952 137,811 155,301 177,104 188,100 2021 2022 2023 2024 3Q25 Building the path for long-term success Total Loans LTD Deposits Cost of Funding% Maintaining robust growth and enhancing our market penetration through technological modernization and geographic unification. This approach allows us to broaden our customer base while upholding exceptional asset quality. System CAGR 2021 – 3Q25: 6% Regional CAGR 2021 – 3Q25: 12% System CAGR 2021 – 3Q25: 8% Regional CAGR 2021 – 3Q25: 10% Source: CNBV, October 2025. 9
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132.4% 173.0% 168.9% 163.4% 130.2% 160.6% 152.7% 148.5% 156.3% 148.3% 2021 2022 2023 2024 3Q25 Regional System 2.3 2.0 2.0 2.2 2.2 4.9 3.8 4.2 4.3 4.4 2021 2022 2023 2024 3Q25 Regional System 0.7 0.3 0.8 0.9 0.9 1.8 1.8 2.2 2.4 2.6 2021 2022 2023 2024 3Q25 Regional System 1.8 1.3 1.3 1.3 1.6 2.0 2.1 2.1 2.0 2.2 2021 2022 2023 2024 3Q25 Regional System TDA%NPL Ratio% Outstanding asset quality and risk management Coverage Ratio Consistently outperforming industry standards in key financial metrics, demonstrating our effective risk management strategies. Source: CNBV, October 2025. Cost of Risk% 10
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Time Deposits 75% Demand Deposits 25% Time Deposits 42% Demand Deposits 38% Equity 16% Development Banks 2% Debt Market 2% Time Deposits 44% Demand Deposits 37% Equity 15% Development Banks 1% Debt Market 2% Average Cost Time Deposits 6.41% Demand Deposits 1.47% Development Banks 7.35% Debt Market 7.70% Total Cost 4.32% ▪ Core Deposits are 47% from businesses, 46% from individuals and 7% from Hey. ▪ Demand deposits are 70% from businesses, 26% from individuals and 4% form Hey. ▪ 63% of Time deposits correspond to individuals. Competitive Funding Structure 11
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17,852 18,498 19,294 20,570 21,186 4Q24 1Q25 2Q25 3Q25 4Q25 24,688 25,014 25,224 25,227 27,285 4Q24 1Q25 2Q25 3Q25 4Q25 68,202 68,633 69,505 70,724 72,489 4Q24 1Q25 2Q25 3Q25 4Q25 6% 19%11% 5% Performing Loans by Region Nuevo Leon Jalisco Other Regions Mexico City 1 12Numbers in million pesos. 1 Mexico City: all the municipalities of Mexico City and the State of Mexico. 64,113 66,366 66,910 68,515 67,437 4Q24 1Q25 2Q25 3Q25 4Q25
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Our Segments
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Wholesale Business 71% SMEs 8% Mortgage 9% Hey 6% Auto 3% Consumer 3% Leasing 0.1% Wholesale Business 36% SMEs 19% Personal & Private Banking 20% Hey 14% Consumer 5% Mortgage 2% Leasing 2% Auto 2% 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 ▪ Individuals (App Hey Opening) ▪ Business (Remote Assistance) ▪ 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 ▪ Individuals: Debit, Savings, Investments, Credit Card. Secured Credit Card, Personal and Auto Loans, and Services (Investments Funds, Capital Market and Insurance) ▪ Business: Debit, Savings, Investments, Business Credit Card, Business Secured Credit Card, Simple Credit, Revolving Credit and Services (Investment Funds, Capital Markets and Insurance) ▪ Hey Payment: Payment Solutions 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 Regional Platforms Productive Assets Revenue by Segment
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4Q22 Figures exclude Auto Loans and Leasing
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16 Banregio’s Strategy ▪ As part of our ongoing five-year plan, we will continue expanding our branches, ATMs, and salesforce to maximize market reach and service. ▪ By 2028, we aim to grow from 209 to 310 branches and from 523 to 895 ATMs. Market Saturation Centering our efforts on expanding and upgrading our capabilities within the regions we serve, striving to saturate the market and amplify our market share. Infrastructure Development Strengthening our physical footprint through the opening of new branches and ATMs, modernizing our infrastructure that enable us to operate more efficiently. Reinforcing our digital approach through the integration of Hey's technological platform into our operations aiming towards optimizing transactional dynamics, unlock cross-selling potential and elevate the customer experience. Our approach involves portfolio diversification into profitable industries with strong growth dynamics such as Manufacturing, Agriculture, and Tourism without compromising asset quality. Digital Tools Portafolio Expansion Wholesale Strategy Retail Strategy Expansion and achieving market saturation Strategically expanding our presence by introducing new Wholesale Banking Units with a significant emphasis on Mexico City. Diversification through sectors with robust growth potential Actively pursuing growth in dynamic sectors like Agriculture, Tourism, and Manufacturing, while upholding our strong position in Real Estate and Leasing. Digital tools and a holistic product offering for a differentiated service and enhanced cross-selling Enhancing our product range with digital tools like Advanced Electronic Banking and data-driven campaigns to maximize cross-selling opportunities. Become the main bank for our clients Our approach centers on engagement tools, utilizing Commercial and Risk Intelligence while providing personalized benefits. Attracting new customers through service, technology and efficiency Positioning branches as the main source for client acquisition, while implementing digital onboarding, cross-selling campaigns, and referral programs to enhance our outreach and customer engagement. Diversification and differentiation of our infrastructure Branch differentiation and expanding our ATM network to enhance efficiency, reduce costs, while introducing Hey's tech platform.
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17 Financial Indicators Numbers in million pesos. 4Q24 4Q25 Growth YoY Loan Portfolio Wholesale (Performing + Leasing) 125,101 133,995 7% Retail Banking 41,290 44,212 7% SME´s + Leasing 14,579 15,216 4% Auto 5,550 6,126 10% Consumer 5,042 5,535 10% Mortgage 16,119 17,334 8% Deposits Wholesale Banking 37,018 58,700 59% Demand deposits 27,352 38,756 42% Time deposits 9,665 19,943 +100% SME’s 35,928 30,197 (16%) Demand deposits 25,935 22,630 (13%) Time deposits 9,993 7,567 (24%) Preferred Banking 82,586 87,949 6% Demand deposits 20,568 22,416 9% Time deposits 62,018 65,533 6%
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24% 33% 32% 34% 33% 23% 18% 17% 16% 17% 53% 49% 51% 50% 50% 155,532 163,977 161,148 169,262 176,846 4Q24 1Q25 2Q25 3Q25 4Q25 78% 78% 77% 78% 78% 9% 9% 9% 9% 9% 13% 13% 13% 13% 13% 160,442 163,661 165,597 169,101 171,742 4Q24 1Q25 2Q25 3Q25 4Q25 Attracting more high quality customers through the consolidation of our geographic footprint, a broader sales force and a highly efficient digital ecosystem. Supporting our portfolio expansion with diversification in attractive sectors without compromising our underwriting and asset quality standards. Banregio Segments 01 02 Performing Loans Portfolio 1 7% Core Deposits 14% Wholesale SMEs Preferred banking Figures: Millions MXN. 1 Figures exclude Auto Loans. 18
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Real Estate 20.1% Rental Property 10.0% Manufacturing 7.2% Agriculture 8.2% Commerce 11.6% Services 7.9% Logistics and Transport 5.2% Construction Services 5.7% Others 4.7% Mortgage 8.0% Hey 5.7% Auto 2.7% Consumer 3.0% 4Q25 Main Sectors to Performing Loans 19
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NPL by Segments 4Q24 1Q25 2Q25 3Q25 4Q25 Growth ∆ YoY ∆ QoQ Wholesale Business 1.0% 1.2% 1.4% 1.5% 1.0% (7 b.p.) (57 b.p.) SMEs 3.6% 3.5% 3.4% 3.5% 3.4% (17 b.p.) (8 b.p.) Auto Loans 0.5% 0.5% 0.5% 0.6% 0.6% 11 b.p. 2 b.p. Mortgage 1.3% 1.3% 1.3% 1.3% 1.2% (10 b.p.) (9 b.p.) Consumer 2.9% 3.0% 2.9% 2.8% 3.2% 24 b.p. 41 b.p. 20
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Active Clients Year-over-year growths are compared to the observed month. Hey Individuals Hey Business ∆ YoY Individuals with Business Activity (IBA) Businesses (B) ∆ YoY 22 (9%) 22% 18% 31% Users 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 dec-24 mar-25 jun-25 sep-25 dec-25 523,028 512,084 507,908 482,074 475,631 dec-24 mar-25 jun-25 sep-25 dec-25
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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 $37,700 $53,300 $235,500 Deposits / Average Balance Loans / Average Lines 23 Year-over-year growths are compared to the observed month. 22% (1%) 6% 8% 38% (5%) 18% 10% $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 $5,367 $5,590 dec-24 mar-25 jun-25 sep-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 $11,797 $12,592 $13,137 $12,594 dec-24 mar-25 jun-25 sep-25 dec-25
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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 ∆ YoY ∆ YoY Deposits / Average Balance Loans / Average Lines 24 Year-over-year growths are compared to the observed month. | 1 IBA stands for Individuals with Business Activity. | 2 B stands for Businesses. Demand Deposits 86% 33% 44% 48% IBA 1 B2 General Business Credit Card $103,900 $168,700 $136,300 Revolving Credit $1,519,500 $2,441,900 $1,980,700 Simple Credit $1,400,700 $2,483,700 $1,942,200 Auto $493,500 $722,500 $608,000 33% 34% 139% 16% 31% $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 $3,609 $3,965 $4,216 $4,434 $4,783 dec-24 mar-25 jun-25 sep-25 dec-25 $543 $419 $483 $544 $805 $222 $267 $293 $289 $295 $3 $4 $5 $5 $6 $768 $690 $781 $838 $1,106 dec-24 mar-25 jun-25 sep-25 dec-25
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Aggregators + Large Companies ∆ YoY Monthly Billing: Hey Payment Payment Growth 34% YoY growth in Total Billing 150% YoY growth in Payment Facilitators Billing Banregio Payment Facilitators Hey 25 Year-over-year growths are compared to the observed month. Active Affiliations Total 35,338 36,309 35,239 31,308 30,476 16% 34% 11% (32%) 150% $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 $11,935 $11,889 $11,792 $11,489 $15,946 dec-24 mar-25 jun-25 sep-25 dec-25
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Our results
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1 Derivatives; Repurchase agreements; Deferred items; Other receivables; Other receivable (net); Property awarded (net); Prepay ments and other assets (net); Real state, furniture and equipment (net); Property, furniture and equipment right of use assets (net); Permanent investment in shares; Deferred income tax assets (net); Intangible assets (net); Goodwill. | 2 Includes money market and short-term notes. | 3 Global account; Operations with securities and derivatives; Leasing liabilities; Other accounts payable; Employee benefits liabilities; Deferred credits . Statement of Financial Position Million MXN 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 and 2 174,854 185,036 188,396 8% 2% Loans stage 3 2,250 3,064 2,446 9% (20%) Total loan portfolio 177,104 188,100 190,842 8% 1% Provisions (3,677) (3,990) (3,731) 1% (6%) Leasing 226 197 184 (19%) (7%) Other assets 1 17,427 16,198 15,857 (9%) (2%) Total Assets 248,010 270,921 277,416 12% 2% Core deposits 168,029 183,237 190,547 13% 4% Demand deposits 76,660 81,687 87,162 14% 7% Time deposits 2 91,369 101,550 103,385 13% 2% Commercial notes (CEBURES) 4,591 4,703 4,707 3% 0% Development banks loans 3,830 3,553 3,524 (8%) (1%) Repurchase agreements 27,472 33,814 34,000 24% 1% Other liabilities 3 11,680 9,679 8,210 (30%) (15%) Total Liabilities 215,602 234,986 240,988 12% 3% Total Equity 32,408 35,935 36,428 12% 1% 27
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4Q24 3Q25 4Q25 Growth 12M24 12M25 Growth ∆ YoY ∆ QoQ ∆ YoY Interest income 7,930 7,533 7,565 (5%) 0% 30,206 30,474 1% Interest expenses (4,161) (3,628) (3,543) (15%) (2%) (15,828) (15,009) (5%) Financial Margin 3,769 3,905 4,022 7% 3% 14,378 15,465 8% Net provisions (444) (458) (471) 6% 3% (1,648) (1,756) 7% Adjusted Financial Margin 3,325 3,447 3,551 7% 3% 12,730 13,709 8% Net commissions 563 580 629 12% 8% 2,036 2,292 13% FX fees 221 179 223 1% 25% 661 766 16% Insurance 286 209 219 (24%) 5% 1,053 933 (11%) Net leasing 41 47 60 47% 27% 183 223 22% Non-Financial Income 1,111 1,015 1,130 2% 11% 3,933 4,213 7% Other income (241) (410) (16) (93%) (96%) (891) (980) 10% Total Income 4,195 4,053 4,665 11% 15% 15,772 16,941 7% Compensation and benefits (957) (1,045) (1,180) 23% 13% (3,815) (4,322) 13% Operating expenses (925) (902) (1,013) 10% 12% (3,096) (3,575) 15% Non-Interest expenses (1,882) (1,947) (2,193) 17% 13% (6,911) (7,897) 14% Operating Income 2,313 2,106 2,472 7% 17% 8,861 9,044 2% Income tax (617) (575) (661) 7% 15% (2,310) (2,425) 5% Net Income 1,693 1,531 1,816 7% 19% 6,520 6,619 2% Income Statement Million MXN 28
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4Q24 3Q25 4Q25 3Q25 4Q25 Growth ∆ YoY ∆ QoQ NIM QTR 6.6% 6.6% 6.4% 6.3% 6.2% (41 b.p.) (10 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 7.5% 7.3% 7.2% 7.3% 7.4% (2 b.p.) 17 b.p. NIM of Total Loans LTM 7.6% 7.5% 7.4% 7.3% 7.3% (28 b.p.) (5 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 14.3% 14.6% 14.4% 14.7% 15.0% 69 b.p. 30 b.p. CASA Ratio 44.5% 45.6% 45.3% 47.1% 45.7% 122 b.p. (140 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.) December 2025. | Net interest NIM: Financial Margin of the quarter / Average productive assets of the quarter. | Net interest NIM: Financial Margin of last 4 quarters / Average productive assets of the last 12 months. | Net Margin (NIM) of Total Loans: (Financial margin of the quarter - income by repos / Average performing loans 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). | 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. Financial Indicators 29
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Vs. The Mexican Banking Sector
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Commercial Banking Total Loan Portfolio Core Deposits 5 Shareholders Equity ROE Efficiency Capitalization 6 Cost of Funding ICOR BBVA 2,007 1,881 451 26.5% 31.4% 18.7% 3.2% 1.8x BANORTE 1,217 1,123 261 21.9% 37.1% 21.8% 3.4% 1.4x SANTANDER 932 967 166 18.5% 44.9% 17.6% 4.1% 1.4x BANAMEX 503 734 217 9.4% 60.5% 20.2% 2.7% 1.9x CITI 158 289 84 9.7% 52.4% 16.4% 3.6% 1.8x SCOTIABANK 529 502 100 12.3% 46.2% 18.6% 6.6% 0.7x HSBC 484 508 93 9.3% 57.8% 16.9% 4.7% 1.3x INBURSA 507 410 275 12.5% 22.4% 22.7% 7.8% 1.5x BAJIO 268 274 47 20.7% 38.7% 15.2% 5.5% 1.2x REGIONAL 188 183 36 19.3% 41.7% 14.3% 5.0% 1.3x SABADELL 101 71 18 3.7% 50.4% 12.7% 8.6% 0.7x MIFEL 84 87 16 22.6% 41.9% 16.5% 6.7% 0.7x AFIRME 77 84 15 10.3% 70.0% 15.3% 5.7% 0.9x MULTIVA 87 106 11 12.5% 60.4% 16.0% 7.8% 1.1x VE POR MAS 62 59 12 13.7% 54.8% 15.0% 7.2% 1.2x BANSI (B) 30 44 08 17.0% 41.1% 21.9% 5.8% 1.7x BANCREA (B) 44 39 05 22.2% 43.9% 14.2% 7.8% 0.9x TOTAL $7,277 $7,361 $1,815 17.6% 40.7% 19.3% 4.3% 1.5x Specialized Banking Related to Retailers 1 314 398 75 14.7% 68.8% 15.0% 2.9% 2.2x Private or International 2 143 193 49 18.9% 58.1% 18.4% 6.9% 1.7x Microfinance and Consumer 3 103 72 31 19.6% 57.3% 31.5% 9.7% 2.0x Foreign Banks Subsidiaries 4 90 179 90 10.4% 38.0% 33.7% 4.3% 15.9x Total $649 $843 $245 14.6% 60.4% 24.6% 4.7% 4.0x Sources : CNBV, “040 -1A-R0” statistical reports and financial statements published by entity and Regional’s Analysis . Figures for Financial Groups , unless specified (B) | 1 Banks of Retail Stores : Azteca (Elektra), Wal -Mart, Ahorro Famsa , Coppel and Consubanco . | 2 Private or International Segment : Actinver , Invex , Monex , CIBanco , Interbanco (Intercam ), Investa , Base . | 3 Microfinance and Consumer : Compartamos , Volkswagen, Autofin , ABC Capital, Bancrea , Bankaool , Forjadores, Dondé, Inmobiliario . | 4 Foreign Banks Subsidiaries : AMEX, ING, BofA , Mitsubishi, RBS, Deutsche, J.P. Morgan, Credit Suisse, Barclays, New York Mellon, UBS | 5 Core Deposits includes demand and time deposits . | 6 Corresponds to the Bank of each financial group . Status of Banking Sector Summary | Figures in billion8 pesos as of September 2025 31
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Commercial SMALL MEDIUM LARGE CORPORATE TOTALBanking 100 MIL - 10 M 10 M - 250 M 250 M - 1,000 M > 1,000 M 3Q25 NPL Part. ∆ YoY 3Q25 NPL Part. ∆ YoY 3Q25 NPL Part. ∆ YoY 3Q25 NPL Part. ∆ YoY 3Q25 NPL ∆ YoY BBVA 233 2% 43% 8% 226 2% 18% 10% 177 1% 20% 0% 194 0% 20% 20% 840 1% 9% BANORTE 67 2% 12% 6% 98 2% 8% 11% 108 1% 12% 9% 185 2% 19% 8% 458 2% 8% SANTANDER 88 2% 16% 8% 144 3% 12% (5%) 82 1% 9% (2%) 64 0% 7% 11% 379 2% 1% BANAMEX 39 4% 7% 11% 54 4% 4% (33%) 31 0% 4% (60%) 14 0% 1% (76%) 138 3% (45%) CITI 2 1% 0% N.D. 28 0% 2% N.D. 49 0% 6% N.D. 52 0% 5% N.D. 131 0% N.D. SCOTIABANK 3 13% 1% N.D. 63 6% 5% N.D. 53 7% 6% N.D. 75 0% 8% N.D. 193 4% N.D. HSBC 14 5% 3% (12%) 61 3% 5% (0%) 75 5% 8% 20% 70 0% 7% (5%) 220 3% 3% INBURSA 1 11% 0% (16%) 26 7% 2% 7% 53 4% 6% 27% 211 0% 22% 4% 291 1% 7% BAJIO 29 3% 5% 4% 137 3% 11% 9% 45 0% 5% 11% 6 0% 1% (13%) 218 2% 8% REGIONAL 27 3% 5% 8% 79 1% 6% 4% 17 2% 2% 64% 0 N.D. 0% N.D. 125 2% 10% SABADELL 1 7% 0% 46% 47 3% 4% 35% 46 1% 5% 73% 5 0% 0% (32%) 99 2% 43% MIFEL 5 5% 1% (15%) 30 3% 2% 16% 26 0% 3% 25% 0 N.D. 0% (100%) 61 2% 14% AFIRME 11 5% 2% 11% 18 1% 1% 6% 7 14% 1% 1% 2 0% 0% (1%) 38 4% 6% MULTIVA 1 24% 0% (16%) 16 8% 1% 53% 20 1% 2% 29% 9 0% 1% 64% 46 4% 41% VE POR MAS 2 35% 0% (2%) 20 4% 2% (2%) 19 0% 2% 43% 0 N.D. 0% N.D. 41 4% 15% BANSI 2 13% 0% 10% 13 5% 1% 17% 4 0% 0% (13%) 0 N.D. 0% N.D. 19 5% 9% BANCREA 2 5% 0% 14% 25 2% 2% 11% 6 6% 1% 94% 0 N.D. 0% N.D. 34 3% 21% TOTAL 540 3% 100% 7% 1,231 3% 86% 7% 890 2% 100% 11% 969 0% 100% 8% 3,642 2% 8% Sources : CNBV, statistical reports and financial statements published by entity and Banregio’s Analysis 32 Status of Banking Sector Summary | Figures in billion8 pesos as of September 2025
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Corporate Governance
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Corporate Governance 4 Committees Audit Corporate Practices Risks and Remunerations 4 independent Board Members 5 independent Board Members 2 members of the Board of Directors, the General Director and the Head of the Integral Risk Management Unit Quarterly sessions Quarterly sessions Monthly sessions Key Indicators ▪ 60% of board members are independent ▪ 6% of the Board of Directors is made up of women ▪ 98% of employees have taken this Anti-Money Laundering Prevention (AML) training, which includes information security and anti-corruption topics. Code of Conduct and Transparency Mailbox (independent), both of which are available to all stakeholders. 1 (I) Chairman of the Board. (II) Honorary President. 1 https://www.regional.mx/micrositio1.php Regional Corporate Governance has established principles and standards for all its financial entities, in order to strengthen the decision-making process and add value to its stakeholders. Structure Patrimonial Independent Manuel G. Rivero Santos (I) Alfonso González Migoya Jaime Alberto Rivero Santos (II) Jorge Humberto Santos Reyna Manuel G. Rivero Zambrano Isauro Alfaro Álvarez Roberto González Barragán Jorge Valdez González Alejandra Rivero Roel Juan Carlos Calderón Héctor Cantú Reyes Daniel A. Abut Ramiro Ramírez Garza Carlos Arreola Enríquez Jorge Reyes García Luis Miguel Torre Amione José Antonio Quesada Palacios Eugenio Garza y Garza
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35 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 -