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

Executive summary

• Net income for Q2 2026 was MXN 1,526 million, down 7% year-over-year, with ROE/ROAE at 17.7% for the last 12 months, reflecting solid profitability despite margin compression and a challenging macro environment.

• Total loans grew 11% year-over-year to MXN 203,172 million, with strong momentum in Mexico City and commercial/personal loans; core deposits increased 16% to MXN 202,142 million, and time deposits rose 20%.

• Asset quality remained resilient: consolidated NPL ratio improved to 1.4% (down 16 bps year-over-year), and cost of risk was stable at 1.0%.

• Diversification efforts advanced, with net fees up 9% year-over-year and non-financial income up 3% year-over-year.

• Capitalization ratio stood at 15.2% as of May 2026, up 83 bps year-over-year, supporting growth plans and enabling a potential temporary increase in dividend payout above 50%.

Financial highlights

• Quarterly NIM was 5.8%-6.0% for Q2 2026, down 48 bps year-over-year, supported by liability repricing and fixed-rate loan portfolio.

• Operating expenses grew 7% year-over-year, mainly due to technology investments and geographic expansion, resulting in an efficiency ratio of 43.5%, up from 40.8% a year ago.

• Financial margin for Q2 2026 was MXN 3,968 million, up 4% year-over-year.

• Non-interest income reached MXN 1,058 million; net fees grew 9% year-over-year.

• Total assets reached MXN 293,341 million, up 11% year-over-year; shareholders' equity increased 10% to MXN 37,861 million.

Outlook and guidance

• NIM guidance for 2026 revised to 5.6%-6% due to lower rate environment and mix effects.

• Net income growth guidance for 2026 lowered to -5% to 0%, and ROE to 16.5%-17.5%.

• Loan and core deposit growth guidance maintained at 5%-10%, NPL ratio at 1.8%, cost of risk at 0.8%-1%, and efficiency ratio around 42%.

• For 2027, expectations are for higher loan demand post-US elections and USMCA reviews, especially in industrial sectors.

• Forward-looking statements highlight ongoing risks and uncertainties in the economic, political, and regulatory environment.