Regional S.A.B (RA) investor relations material

Financial performance and profitability

• Net income for 4Q25 reached 1,816 million MXN, up 7% YoY; full-year net income was 6,619 million MXN, a 2% increase YoY.

• Total loan portfolio grew 8% YoY to 190,842 million MXN, led by SMEs and consumer segments.

• Core deposits expanded 13% YoY, with demand deposits up 14% and time deposits up 13%.

• Efficiency ratio increased to 42.2%, reflecting higher operating expenses.

• Net interest margin (NIM) declined to 6.3% LTM, and ROAE dropped to 19.1%.

Growth strategy and market positioning

• Focus on saturating served segments, diversifying into profitable industries, and leveraging proprietary technology.

• Expansion of branches and ATMs planned, aiming for 310 branches and 895 ATMs by 2028.

• Two main platforms (banregio and hey) cover all market segments, with a strong digital presence and cross-selling initiatives.

• Emphasis on multi-segment, multiproduct digital banking and scalable, efficient platforms.

• Targeted growth in sectors like manufacturing, agriculture, tourism, and real estate.

Asset quality and risk management

• NPL ratio remained stable at 1.3%, outperforming industry averages.

• Cost of risk held at 1.0% LTM, with a coverage ratio of 152.5%.

• Strong risk management practices and asset quality maintained across segments.

• Diversification in loan portfolio without compromising underwriting standards.