(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- 2Q21
NPL ratio, %
Regional
System
Regional
System
Gross Loan Portfolio
8%
5%
2.2
2.6
2.4
2.1
2.1
2.1
Core Deposits
12%
8%
1.6
1.7
1.7
1.8
1.4
1.6
Net Income 1
5%
3%
2016
2017
2018
2019
2020
2Q21
continued improvement in efficiency despite geographic expansion plan
| Financial groups
Efficiency Ratio 2, %
52.3
54.4
50.6
48.7
49.1
47.9
47.8
47.2
44.8
42.8
42.4
42.4
2016
2017
2018
2019
2020
2Q21
Regional
System
…has allowed expansion in profitability | Financial groups
ROAA 2, %
2.6
2.7
2.7
2.4
2.0
2.0
1.5
1.8
1.8
1.8
1.3
1.1
2016
2017
2018
2019
2020
2Q21
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
…plus competitive core deposit funding, without the need of
Small Businesses… | Banks
massive/expensive branch network… | Banks
Performing business Loan portfolio
cost of core deposits, %
CAGR 2015 - 2Q21 Regional: 7%
163
167
169
Regional
System
TIIE
CAGR 2015 - 2Q21 System: 6%
152
7.8
8.6
6.1
7.6
Regional
135
156
153
151
System
123
147
5.1
4.8
4.4
4.2
135
3.4
4.0
3.9
2.9
2.5
3.0
2.3
118
100
4.5
2.4 2.1
2015
2016
2017
2018
2019
2020
2Q21
2016
2017
2018
2019
2020
2Q21
7.3
8.1
8.1
7.3
6.0
6.9
5.9
…has resulted in higher margins than the system
5.4
5.6
4.9
5.0
4.5
that has continued to expand 1 | Banks
% Financial margin of the commercial portfolio
2016
2017
2018
2019
2020
2Q21
Source: CNBV, June 2021 El Banco de Mexico | (1) Last twelve months.
5
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Disclaimer
Regional SAB de CV published this content on 13 August 2021 and is solely responsible for the information contained therein. Distributed by Public, unedited and unaltered, on 13 August 2021 11:11:07 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. 
