Regional B de C : Our latest Conference Call presentation

Regional S.A.B. de C.V.

Conference Call | April 2023

Regional Results 3M23

Financial Summary

.	1Q22	4Q22
Profitability
Net Income QTR	1,150	1,374
NIM*	5.3%	6.1%
NIM of Total Loans*	6.5%	7.5%
ROAE*	16.9%	21.2%
ROAA*	2.4%	2.6%
Efficiency Ratio*	46.1%	43.4%
Growth
Performing Loans + Leasing	125,575	136,344
Demand Deposits	70,785	72,024
Time Deposits1	35,692	38,356
LTD	105.1%	109.0%
CASA	61.4%	56.9%
Shareholders Equity	21,481	25,238
Risks
NPL Ratio	1.5%	1.3%
Cost of Risk QTR	(0.2%)	0.6%
Cost of Risk LTM	0.5%	0.4%
Capitalization Ratio2	14.1%	15.4%

1Q23

1,187

6.2%

7.7%

21.0%

2.5%

43.2%

142,316

74,474

40,616

104.7%

54.4%

26,302

1.2%

0.8%

0.6%

15.3%

Growth

YoYQoQ

3%	(14%)
90 b.p.	5 b.p.
116 b.p.	22 b.p.
403 b.p.	(18 b.p.)
13 b.p.	(15 b.p.)
(289 b.p.)	(19 b.p.)
13%	4%
5%	3%
14%	6%
(42 b.p.)	(424 b.p.)
(697 b.p.)	(252 b.p.)
22%	4%
(31 b.p.)	(11 b.p.)
98 b.p.	17 b.p.
11 b.p.	24 b.p.
117 b.p.	(12 b.p.)

* Last Twelve Months	3
1	Time deposits includes: CEDES + Promissory Notes
2	Capitalization ratio for Banco Regional de Monterrey, S.A. as of February 2023.

Income Statement

	1Q22	4Q22
Interest income	4,059	6,869
Interest expenses	(1,969)	(3,376)
Financial Margin	2,090	3,493
Net provisions	49	(220)
Adjusted Financial Margin	2,139	3,273
Commissions and fees	330	422
Insurance and FX fees	309	291
Net leasing	211	(519)
Non-Financial Income	850	194
Other income (expense)	(170)	(211)
Total Income	2,819	3,256
Total expenses	(1,261)	(1,487)
Operating Income	1,558	1,769
Income tax	(410)	(391)
Net Income	1,150	1,374

1Q23

6,530

(3,709)

2,821

(290)

2,531

415

320

50

785

(232)

3,083

(1,498)

1,585

(399)

1,187

Growth

YoYQoQ

61%(5%)

88%10%

35% (19%)

(+100%) 32%

18% (23%)

26%(2%)

3%10%

(76%) (+100%)

(8%) +100%

37%10%

9%(5%)

19%1%

2% (10%)

(3%)2%

3% (14%)

4

Numbers in million pesos

Regional's

Subsidaries