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Regional S.A.B. de C.V.
Corporate Presentation | November 2021
Key Figures
3Q20
3Q21
YoY
Profitability
Net Income YTD
2,439
2,631
8%
Net Income Quarterly
775
868
12%
NIM
5.8%
5.3%
(51 b.p.)
NIM of Total Loans
6.1%
5.8%
(29 b.p.)
ROAE
16.5%
13.9%
(262 b.p.)
ROAA
2.3%
2.0%
(30 b.p.)
Efficiency Ratio
45.2%
47.2%
196 b.p.
Growth
Time Deposits 1
34,663
37,481
8%
Demand Deposits
46,449
61,079
31%
Shareholders Equity
21,809
23,508
8%
Total Loan Portfolio
111,149
115,265
4%
Risks
NPL Ratio
1.2%
1.7%
43 b.p.
Capitalization Ratio2
15.2%
15.5%
35 b.p.
(2)
Time Deposits Includes Cedes + Promissory Notes
2
(1)
Capitalizion ratio as of May 2021
What sets us apart
Strong track record of profitable growth
Continued growth in volumes and bottom line… |
Fin. groups
…without compromising asset quality… | Banks
CAGR 2016- 3Q21
NPL ratio, %
Regional
System
Regional
System
Gross Loan Portfolio
8%
5%
2.6
2.3
2.1
2.1
2.1
2.2
1.6
1.7
1.7
1.8
1.7
Core Deposits
11%
8%
1.4
Net Income 1
6%
5%
2016
2017
2018
2019
2020
3Q21
continued improvement in efficiency despite geographic
…has allowed expansion in profitability | Financial groups
expansion plan … | Financial groups
Efficiency Ratio 2, %
52.3
53.9
ROAA 2, %
2.6
2.7
2.7
50.6
47.9
48.7
49.1
2.4
2.0
2.0
1.8
1.8
1.8
47.8
47.2
1.5
1.4
44.8
1.1
42.4
42.8
42.4
2016
2017
2018
2019
2020
3Q21
2016
2017
2018
2019
2020
3Q21
Regional
System
Regional
System
4
Source: CNBV, June 2021. | (1) This figure represents an average annual growth. (2) Last twelve months.
Key differentiators of Regional´s history
Niche strategy focused on higher growth/higher margin
Medium and Small Businesses… | Banks
Performing business Loan portfolio
170
167
CAGR 2015 - 3Q21 Regional: 7%
163
CAGR 2015 - 3Q21 System: 6%
147
Regional
135
152
156
153
152
System
123
135
118
100
2015
2016
2017
2018
2019
2020
3Q21
…has resulted in higher margins than the system that has continued to expand 1 | Banks
% Financial margin of the commercial portfolio
…plus competitive core deposit funding, without the need of massive/expensive branch network… | Banks
cost of core deposits, %
Regional
System
TIIE
7.8
8.6
7.6
6.1
4.4
5.1
4.8
4.2
4.7
4.0
3.9
2.9
3.4
3.0
2.6
2.5
2.3
2.1
2016
2017
2018
2019
2020
3Q21
7.3
8.1
8.1
6.9
6.8
6.0
5.4
5.6
5.9
4.9
4.9
4.5
2016
2017
2018
2019
2020
3Q21
5
Source: CNBV, June 2021 El Banco de Mexico | (1) Last twelve months.
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Regional SAB de CV published this content on 12 November 2021 and is solely responsible for the information contained therein. Distributed by Public, unedited and unaltered, on 12 November 2021 23:49:03 UTC.
Regional SAB de CV is a Mexico-based bank. The Company's business unit are divided in Medium Business, Automotive Business, Personal and Patrimonial Banking, Consumer Credits, Mortgage and Intermediation and Markets. The Medium Business unit offers credit to the medium-sized business sector. The Automotive Business unit offers credit for the acquisition of transport equipment. The Personal and Patrimonial Banking unit offers savings and investment products for medium and high income individuals. The Consumer Credits unit offers personal credit products, such as credit card and personal loans to the middle and high income segment. The Mortgage unit offers loans for house and land acquisition, for completion of construction and remodeling and the refinancing of existing credits. The Intermediation and Markets unit offers currency exchanges and investment fund distribution services. The Company is active in more than 20 Mexican states.
REGIONAL S.A.B. DE C.V. 
