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    R A   MX01R0000006

REGIONAL S.A.B. DE C.V.

(R A)
  Report
End-of-day quote. End-of-day quote Mexican Stock Exchange - 01/27
114.4 MXN   +1.17%
01/27REGIONAL B DE C : Download the results for the Fourth Quarter
PU
01/24REGIONAL B DE C : Press Release for the 4Q21
PU
2021REGIONAL B DE C : Download our latest Corporate Presentation
PU
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Regional B de C : Download our latest Corporate Presentation

11/12/2021 | 06:50pm EST

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.

This is an excerpt of the original content. To continue reading it, access the original document here.

Disclaimer

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.


© Publicnow 2021
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Financials
Sales 2021 10 432 M 502 M 502 M
Net income 2021 3 491 M 168 M 168 M
Net Debt 2021 - - -
P/E ratio 2021 10,8x
Yield 2021 4,68%
Capitalization 37 515 M 1 799 M 1 804 M
Capi. / Sales 2021 3,60x
Capi. / Sales 2022 3,21x
Nbr of Employees 4 924
Free-Float 76,0%
Chart REGIONAL S.A.B. DE C.V.
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Regional S.A.B. de C.V. Technical Analysis Chart | MarketScreener
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Technical analysis trends REGIONAL S.A.B. DE C.V.
Short TermMid-TermLong Term
TrendsBullishNeutralNeutral
Income Statement Evolution
Consensus
Sell
Buy
Mean consensus OUTPERFORM
Number of Analysts 13
Last Close Price 114,40 MXN
Average target price 127,97 MXN
Spread / Average Target 11,9%
EPS Revisions
Managers and Directors
Manuel Gerardo Rivero Santos Chief Executive Officer & Director
Enrique Navarro Ramirez Director-Finance & Planning
Jaime Alberto Rivero Santos Chairman
Sanjuana Herrora Galvan Administration Director
Francisco Rogelio Garza Egloff Independent Director