Slides
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Regional S.A.B. de C.V. Conference Call | October 2026
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Financial Summary 3Q25 2Q26 3Q26 Growth YoY QoQ Profitability Net Income QTR 1,531 1,526 1,676 10% 10% NIM LTM 6.3% 6.0% 5.9% (48 b.p.) (13 b.p.) NIM of Total Loans LTM 7.3% 7.0% 6.9% (37 b.p.) (14 b.p.) ROAE LTM 19.3% 17.7% 17.6% (168 b.p.) (10 b.p.) ROAA LTM 2.5% 2.3% 2.3% (25 b.p.) (1 b.p.) Efficiency Ratio LTM 41.7% 43.5% 43.4% 168 b.p. (12 b.p.) Growth Performing Loans + Leasing 185,233 200,639 203,733 10% 2% Demand Deposits 81,687 91,427 95,159 16% 4% Time Deposits 101,550 110,715 104,791 3% (5%) LTD 102.7% 100.5% 103.3% 64 b.p. 279 b.p. CASA 44.6% 45.2% 47.6% 301 b.p. 236 b.p. Shareholders Equity 35,935 37,861 39,444 10% 4% Risks NPL Ratio 1.6% 1.4% 1.5% (12 b.p.) 14 b.p. Cost of Risk QTR 1.0% 1.0% 0.9% (13 b.p.) (13 b.p.) Cost of Risk LTM 1.0% 1.0% 0.9% (2 b.p.) (3 b.p.) Capitalization Ratio 14.7% 15.5% 15.9% 112 b.p. 35 b.p. 2
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Income Statement 3Q25 2Q26 3Q26 Growth YoY QoQ Interest income 7,533 7,433 7,514 (0%) 1% Interest expenses (3,628) (3,465) (3,489) (4%) 1% Financial Margin 3,905 3,968 4,025 3% 1% Net provisions (458) (498) (438) (4%) (12%) Adjusted Financial Margin 3,447 3,470 3,587 4% 3% Commissions and fees 580 601 575 (1%) (4%) FX fees 209 222 223 7% 1% Insurance 179 188 260 46% 39% Net leasing 47 47 53 13% 12% Non-Financial Income 1,015 1,058 1,111 9% 5% Other income (expense) (410) (334) (261) (36%) (22%) Total Income 4,053 4,194 4,437 9% 6% Total expenses (1,947) (2,069) (2,081) 7% 1% Operating Income 2,106 2,125 2,356 12% 11% Income tax (575) (599) (680) 18% 14% Net Income 1,531 1,526 1,676 10% 10% 3 Numbers in million pesos.
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Regional’s Subsidiares
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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 through our branches ▪ SMEs executives through our branches ▪ Digital: App / Web ▪ Individuals executives through our branches ▪ Digital: App / Web ▪ Digital: App / Web / Chat ▪ Hey Executives for BaaS Clients and Merchant Business 5
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Relevant Figures 3Q25 3Q26 YoY 3Q25 3Q26 YoY 3Q25 3Q26 YoY Loan Growth $188,100 $206,538 10% $177,989 $195,299 10% $10,111 $11,349 12% Core Deposits $183,237 $199,950 9% $169,272 $187,491 11% $13,965 $12,514 (10%) Financial Margin $3,905 $4,025 3% $3,651 $3,744 3% $254 $282 11% NIM LTM 6.3% 5.9% (49 b.p.) 6.2% 5.7% (47 b.p.) 9.2% 10.8% 156 b.p. Provisions ($458) ($438) (4%) ($326) ($298) (9%) ($132) ($140) 6% Non-Financial Income $1,021 $1,160 14% $736 $857 16% $285 $303 6% Operating Expenses ($1,947) ($2,081) 7% ($1,619) ($1,736) 7% ($328) ($325) (1%) Net Income $1,531 $1,676 10% $1,494 $1,585 6% $37 $75 101% Efficiency Ratio LTM 41.7% 43.4% 169 b.p. 40.2% 40.8% 62 b.p. 64.1% 56.6% (753 b.p.) NPL 1.63% 1.51% (12 b.p.) 1.55% 1.48% (7 b.p.) 3.07% 1.98% (109 b.p.) Cost of Risk LTM 0.96% 0.94% (2 b.p.) 0.70% 0.66% (4 b.p.) 5.71% 5.43% (28 b.p.) 6
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Banregio Grupo Financiero
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Wholesale
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Wholesale Business - Financial Indicators 3Q25 2Q26 3Q26 Growth YoY QoQ Growth Demand deposits 39,163 45,895 48,115 23% 5% Time deposits 18,701 22,784 17,322 (7%) (24%) Performing loans + Leasing 131,759 143,557 145,988 11% 2% Risks Cost of risk QTR 0.5% 0.4% 0.6% 12 b.p. 14 b.p. Cost of risk LTM 0.4% 0.4% 0.3% (7 b.p.) (6 b.p.) NPL 1.5% 1.1% 1.4% (14 b.p.) 28 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 7%33% 7% 6% Nuevo Leon Jalisco Other Regions Mexico City 1 47,427 45,999 47,718 50,535 50,734 3Q25 4Q25 1Q26 2Q26 3Q26 14,766 15,216 15,851 15,416 15,798 3Q25 4Q25 1Q26 2Q26 3Q26 20,222 22,161 25,150 25,843 26,816 3Q25 4Q25 1Q26 2Q26 3Q26 49,182 50,472 50,578 51,547 52,360 3Q25 4Q25 1Q26 2Q26 3Q26
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Retail Banking
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Retail Banking – Financial Indicators 3Q25 2Q26 3Q26 Growth YoY QoQ Growth Performing Loan Portfolio 43,673 46,411 46,728 7% 1% SME’s + Leasing 15,248 16,022 15,538 2% (3%) Auto 5,968 6,082 6,115 2% 1% Consumer 5,376 6,078 6,063 13% (0%) Mortgage 17,081 18,229 19,012 11% 4% Deposits 111,398 120,830 122,054 10% 1% SME’s 26,911 29,018 29,364 9% 1% Demand deposits 19,170 20,536 21,469 12% 5% Time deposits 7,742 8,482 7,895 2% (7%) Preferred Banking 84,487 91,812 92,690 10% 1% Demand deposits 20,515 22,209 22,828 11% 3% Time deposits 63,972 69,603 69,862 9% 0% Risks Retail Cost of risk QTR 1.3% 1.7% 1.2% (4 b.p.) (47 b.p.) Retail Cost of risk LTM 1.4% 1.6% 1.7% 26 b.p. 9 b.p. NPL SME's portfolio 3.0% 3.2% 2.6% (42 b.p.) (55 b.p.) NPL auto portfolio 0.6% 0.7% 1.0% 44 b.p. 31 b.p. NPL consumer portfolio 2.8% 2.8% 3.0% 21 b.p. 21 b.p. NPL mortgage portfolio 1.3% 1.1% 1.2% (9 b.p.) 10 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% (0%) 8% (6%) 15% 2% 8% 1% 14 5%2% 5% 10% Nuevo Leon Jalisco Other Regions Mexico City 1 7,004 7,049 7,068 7,391 7,001 11,019 11,182 11,357 11,490 11,890 18,024 18,231 18,425 18,881 18,891 3Q25 4Q25 1Q26 2Q26 3Q26 SMEs Preferred Banking 1,737 1,696 1,688 1,685 1,760 2,654 2,717 2,734 2,762 2,856 4,390 4,413 4,422 4,448 4,616 3Q25 4Q25 1Q26 2Q26 3Q26 SMEs Preferred Banking 1,354 1,318 1,315 1,701 1,278 1,753 1,797 1,811 1,826 1,899 3,106 3,115 3,127 3,527 3,177 3Q25 4Q25 1Q26 2Q26 3Q26 SMEs Preferred Banking 6,265 6,211 6,308 6,627 6,403 11,855 12,204 12,533 12,904 13,606 18,120 18,415 18,841 19,531 20,009 3Q25 4Q25 1Q26 2Q26 3Q26 SMEs Preferred Banking
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Hey Banco
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16 Key Strategic Indicators Hey Banco Hey Individuals Hey Businesses September YoY September YoY Active Clients 442,850 (8%) 19,610 12% MAU 374,662 (9%) 18,006 19% MAU / Active Clients 85% (47 b.p.) 92% 516 b.p. CAC L3M 274 6% 10,161 48% LTV L3M 8,701 37% 111,313 22% ARPAC L3M 219 28% 2,490 18% CTS L3M 38 (4%) 171 (18%) CSI 1.76 0% 2.00 12%
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Hey Banco / Individuals
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Active Clients Hey Individuals MAU / Active Clients ∆ YoY (8%) 85% 88% 84% 85% 85% Year-over-year growths are compared to the observed month. MAU: clients with login + movements + product contracting / active clients 482,074 475,631 458,210 438,399 442,850 sept-25 dec-25 mar-26 jun-26 sept-26
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19 Balance Hey Individuals * Includes only Traditional Credit Card, ** Auto Loans excludes insurances. Year-over-year growths are compared to the observed month. (12%) (6%) (2%) (14%) 16% (5%) (5%) 27% Personal Loan $39,900 4% Credit Card* $55,300 6% Auto Loan** $246,500 5% Debit $4,000 0% Savings $2,600 16% Time deposit $333,400 9% Deposits / Average Balance Loans / Average Lines ∆ YoY ∆ YoY $10,846 $10,046 $9,753 $9,514 $9,376 $256 $293 $254 $265 $252 $2,035 $2,255 $2,021 $1,992 $1,920 $13,137 $12,594 $12,028 $11,771 $11,548 sept-25 dec-25 mar-26 jun-26 sept-26 $3,575 $3,777 $3,905 $4,158 $4,529 $1,688 $1,703 $1,614 $1,602 $1,597 $104 $110 $110 $105 $100 $5,367 $5,590 $5,629 $5,865 $6,226 sept-25 dec-25 mar-26 jun-26 sept-26
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Hey Banco / Businesses
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Active Clients Hey Businesses ∆ YoY 12% 14% 11% Businesses (B) Individuals with Business Activity (IBA) MAU / Active Clients 87% 93% 97% 92% 92% Year-over-year growths are compared to the observed month. MAU: clients with login + movements + product contracting / active clients 11,486 11,943 12,254 12,410 12,729 6,030 6,332 6,515 6,727 6,881 17,516 18,275 18,769 19,137 19,610 sept-25 dec-25 mar-26 jun-26 sept-26
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22 Balance Hey Businesses Deposits / Average Balance Loans / Average Lines ∆ YoY ∆ YoY 17% 73% 20% 14% 10% 74% 62% 28% (16%) iBA B General TDCE $114,200 $179,300 $146,800 Revolving Loans $1,624,100 $2,711,600 $2,167,900 Simple Loans $1,897,000 $2,977,700 $2,437,400 Auto Loan $407,200 $795,000 $556,100 iBA B General Savings $9,600 $8,500 $9,300 Time deposits $422,600 $645,400 $531,000 Debit $12,600 $66,137 $33,000 $544 $805 $703 $584 $623 $289 $295 $324 $345 $346 $5 $6 $7 $7 $9 $839 $1,106 $1,033 $937 $978 sept-25 dec-25 mar-26 jun-26 sept-26 $2,411 $2,476 $2,470 $2,272 $2,037 $1,239 $1,398 $1,400 $1,526 $1,584 $716 $835 $902 $1,009 $1,160 $68 $74 $87 $100 $118 $4,433 $4,783 $4,859 $4,907 $4,899 sept-25 dec-25 mar-26 jun-26 sept-26
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Hey Payment
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24 Monthly Billing Hey Pago ∆ YoYHey Aggregators Payment Facilitators Banregio 17% 9% (23%) 48% 6% Year-over-year growths are compared to the observed month. Total Active Clients 12,911 12,681 12,429 12,170 11,794 $5,669 $6,777 $6,244 $6,271 $6,003 $4,052 $6,967 $6,276 $5,527 $6,017 $1,552 $1,944 $1,326 $1,275 $1,195 $216 $258 $295 $252 $237 $11,489 $15,946 $14,141 $13,325 $13,451 sept-25 dec-25 mar-26 jun-26 sept-26
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Appendix
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Balance Sheet 3Q25 2Q26 3Q26 Growth YoY QoQ Cash and Equivalents 15,956 19,216 20,257 27% 5% Securities Investments 54,460 56,289 61,518 13% 9% Loans Stage 1 181,683 196,651 199,821 10% 2% Commercial 152,233 164,797 166,898 10% 1% Mortgage 16,515 17,626 18,347 11% 4% Consumer 12,935 14,228 14,576 13% 2% Loans Stage 2 3,353 3,756 3,607 8% (4%) Commercial 2,446 2,791 2,552 4% (9%) Mortgage 566 603 664 17% 10% Consumer 341 362 391 15% 8% Loans Stage 3 3,064 2,765 3,110 2% 12% Commercial 2,515 2,228 2,528 1% 13% Mortgage 230 209 237 3% 13% Consumer 319 328 345 8% 5% Total Loans 188,100 203,172 206,538 10% 2% Provisions (3,990) (3,937) (4,066) 2% 3% Operational Leasing 197 232 305 55% 31% Other Assets 16,198 18,369 17,747 10% (3%) Total Assets 270,921 293,341 302,299 12% 3% Numbers in million pesos. 27
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3Q25 2Q26 3Q26 Growth YoY QoQ Core Deposits 183,237 202,142 199,950 9% (1%) Demand deposits 81,687 91,427 95,159 16% 4% Time deposits 101,550 110,715 104,791 3% (5%) Commercial Paper (CEBURES) 4,703 7,152 7,185 53% 0% Development Banks 3,553 3,928 4,498 27% 15% Repurchase Agreements 33,814 31,721 40,898 21% 29% Other Liabilities 9,679 10,537 10,324 7% (2%) Total Liabilities 234,986 255,480 262,855 12% 3% Total Stockholder’s Equity 35,935 37,861 39,444 10% 4% Stockholder’s Equity + Liabilities 270,921 293,341 302,299 12% 3% Balance Sheet Numbers in million pesos. 28
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October 2026. | 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. 3Q25 4Q25 1Q26 2Q26 3Q26 Growth YoY QoQ NIM QTR 6.2% 6.2% 5.7% 5.8% 5.7% (48 b.p.) (6 b.p.) NIM LTM 6.3% 6.3% 6.1% 6.0% 5.9% (48 b.p.) (13 b.p.) NIM of Total Loans QTR 7.3% 7.4% 6.7% 6.8% 6.9% (41 b.p.) 5 b.p. NIM of Total Loans LTM 7.3% 7.3% 7.2% 7.0% 6.9% (37 b.p.) (14 b.p.) Return on Equity (ROAE) 19.3% 19.1% 18.4% 17.7% 17.6% (168 b.p.) (11 b.p.) Return on Assets (ROAA) 2.5% 2.5% 2.4% 2.3% 2.3% (25 b.p.) (1 b.p.) Efficiency Ratio 41.7% 42.2% 43.0% 43.5% 43.4% 170 b.p. (11 b.p.) Loan to Deposits 102.7% 100.2% 99.0% 100.5% 103.3% 64 b.p. 279 b.p. Coverage Ratio 130.2% 152.5% 146.2% 142.4% 130.7% 52 b.p. (1,165 b.p.) ICAP 14.7% 15.0% 15.1% 15.5% 15.9% 112 b.p. 35 b.p. CASA Ratio 44.6% 45.7% 41.5% 45.2% 47.6% 301 b.p. 236 b.p. Provisions to Total Loans 2.1% 2.0% 1.9% 1.9% 2.0% (15 b.p.) 3 b.p. Cost of Risk LTM 1.0% 1.0% 1.0% 1.0% 0.9% (2 b.p.) (3 b.p.) NPL Ratio 1.6% 1.3% 1.3% 1.4% 1.5% (12 b.p.) 14 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 -