Earnings release
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EXECUTIVE SUMMARY 1 EXECUTIVE SUMMARY Growth ▪ Total Loan Portfolio closed at $206,538 million pesos in 3Q26, increasing 10% YoY. ▪ Commercial loans, which include loans to businesses, financial and government entities, grew 9%, reaching a total of $171,978 million pesos. Meanwhile, performing personal loans, which include mortgages, auto loans and personal loans such as credit cards, totaled $33,978 million pesos, with a 12% increase. ▪ Core deposits, formed by demand deposits and savings accounts as time deposits, reach ed $199,950 million pesos during the Third Quarter of 2026, presenting a 9 % increase compared to the same quarter last year. Demand deposits had a 16% growth compared to 3Q25. ▪ Cost of funding in domestic currency is 4.2% at the end of 3Q26. Risks and Strengths ▪ The Loans portfolio with credit risk stage 3 ratio was 1.5% at the end of 3Q26, 12 basis points lower than the same quarter last year. ▪ Regional has credit provisions that cover 1.3 times its non-performing loan portfolio. ▪ Banco Regional’s capitalization ratio as of September 2026 is 15.9%. Profitability ▪ The financial margin at the end of 3Q26 was $4,025 million pesos, increasing 3% versus 3Q25. ▪ Net Income was $1,676 million pesos at the end of 3Q26, 10% more than 3Q25. ▪ The Efficiency Index1 at the end of 3Q26 was 43.4%. Company Description Regional, S.A.B de C.V. (Regional) is a Mexican public company, which principal subsidiaries, Banregio Grupo Financiero, S.A. de C.V. (BanregioGF), Banco Regional S.A. IBM (Banregio) and Start Banregio, SOFOM (Start), grant credits and leases to medium and small businesses as well to individuals as their main activity. Banregio has presence in 22 federal entities through a 228 branches network, located in: Aguascalientes, Baja California, Baja California Sur, Chihuahua, Coahuila, Ciudad de México, Durango, Estado de México, Guanajuato, Jalisco, Michoacán, Nuevo León, Puebla, Querétaro, Quintana Roo, San Luis Potosí, Sinaloa, Sonora, Tamaulipas, Veracruz, Yucatán and Zacatecas. Regional is a public traded company (R), its main subsidiary Banco Regional was founded in 1994. 1Last 12 months
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EXECUTIVE SUMMARY 2 San Pedro Garza Garcia, N.L. October 26th, 2026. Regional, S.A.B. de C.V. (BMV: R A) announced today its consolidated financial and operational results corresponding to 3Q26. The figures are in current million pesos and the percentage variations are compared with the same period of the previous year, unless otherwise specified. Results Regional, S.A.B. de C.V. generated at the end of 3Q26 a net income of $1,676 million pesos, achieving a 17.6% ROAE12. Financial Margin At the end of 3Q26 the financial margin registered $4,025 million pesos, showing a 3% increase compared to the same quarter last year. Non-Interest Income Non-Interest Income at the end of the Third Quarter of 2026 amounted $1,111 million pesos. The income from Insurance + FX stands apart, showing a year on year growth of 25%. Operating Income The operating income reached $2,356 million pesos, increasing 12% compared to the same period last year. The net income at the end of 3Q26: Loan Portfolio The loan portfolio wit h credit risk stage 1 reached a balance of $199,821 million pesos at the end of 3Q26, increasing 10% compared to the same quarter last year. It stands out the growth in consumer loans increasing 13%. The loan portfolio with credit risk stage 2 reached a b alance of $3,607 million pesos at the end of 3Q26, with an increase of 8% compared to the same period last year. The non-performing loan ratio was 1.5% at the end of 3Q26, 12 basis points lower than that of 3Q25, and Regional has a coverage ratio of provisions for credit loan losses of 1.3 times the non-performing loan portfolio. Deposits Core deposits reached $199,950 million pesos at the end of 3Q26 with an increase of 9% compared to the same quarter last year. Demand deposits stand out with a 16% increase compared to the Third Quarter in 2025, reaching a balance of $95,159 million pesos. Capitalization The capitalization ratio to total risk assets of Banco Regional, S.A. stood at 15.9% by September 2026. 1Last 12 months Net Income 9M26 vs (Million pesos) 3Q25 2Q26 9M25 Financial Margin 3,905 3,968 4,025 3% 1% 11,443 11,819 3% Total operating income 4,053 4,194 4,437 9% 6% 12,276 12,771 4% Non interest expenses (1,947) (2,069) (2,081) 7% 1% (5,704) (6,170) 8% Operating Income 2,106 2,125 2,356 12% 11% 6,572 6,601 0% Net income 1,531 1,526 1,676 10% 10% 4,803 4,717 (2%) 2Q26 3Q26 3Q26 vs 9M25 9M263Q25
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EXECUTIVE SUMMARY 3 Net Income by Subsidiary During the Third Quarter of 2026, Banco Regional, S.A. generated 74% of Regional’s total Net Income, while Start Banregio, S.A. de C.V. generated 15%, Inmobiliaria Banregio S.A. de C.V. 5% and Hey Banco S.A. Institución de Banca Múltiple, Banregio Grupo Financiero 5% of Regional’s net income. Financial Indicators The following chart shows information in a 12 month horizon in order to prevent distortions caused by seasonality. 1. Net Interest Margin NIM: Financial Margin of last 4 quarters / Average productive assets of the last 12 months. 2. Total Loans NIM LTM: (Financial margin of last 4 quarters adjusted by repos, cash equivalents, derivatives and margin calls) / (Average Total Loan with credit risk stage 1 + Total Loan with credit risk stage 2 of last 12 months). 3. Return on Average Equity (ROAE): Net income of last 4 quarters / Average stockholders’ equity of last 4 quarters. 4. Return on Average Assets (ROAA): Net income of last 4 quarters / Average total assets of last 4 quarters . 5. Return on Average Assets (ROAA) of total Loans: (Net income of last 4 quarters / (Average total assets of last 4 quarters (-) average balance of repos of last 4 quarters). 6. Efficiency Ratio: Administration and promotion expenses of last 4 quarters / (Financ ial Margin + Commissions + Trading + Other Income) of last 4 quarters. 7. Loans to deposits: Loan portfolio at the end of the quarter / Core deposits at the end of the quarter. Financial ratios Last Twelve Months (LTM) 3Q25 2Q26 Net Interest Margin (NIM) (1) 6.3% 6.3% 6.1% 6.0% 5.9% (48 b.p.) (13 b.p.) Total Loans NIM LTM (2) 7.3% 7.3% 7.2% 7.0% 6.9% (37 b.p.) (14 b.p.) Return on Equity (ROAE) (3) 19.3% 19.1% 18.4% 17.7% 17.6% (168 b.p.) (10 b.p.) Return on Assets (ROAA) (4) 2.5% 2.5% 2.4% 2.3% 2.3% (25 b.p.) (1 b.p.) Return on Assets (ROAA) of Total Loans (5) 2.1% 2.1% 1.9% 1.8% 1.8% (27 b.p.) 0 b.p. Efficiency Ratio (6) 41.7% 42.2% 43.0% 43.5% 43.4% 168 b.p. (12 b.p.) Loans to deposits (7) 102.7% 100.2% 99.0% 100.5% 103.3% 64 b.p. 279 b.p. Variation 3Q26 vs 3Q25 4Q25 1Q26 2Q26 3Q26
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4 Disclaimer Press releases, as well as other printed materials from Regional; S.A.B de C.V. may contain certain predictions regarding expected future events and financial results. Such statements are subjected to risk and uncertainty. We hereby warn you that a number of important factors may cause results to differ materially from the plans, objectives, expectations and intentions expressed in such predictions. These factors include economic and political conditions, as well policies taken by the government of Mexico or those of other countries, such as inflation rates, exchange rates, regulatory changes, fluctuations in demand and competition. Contact information Investor Relations Investor.relations@banregio.com Telephone: +52(81)1985-5165