Regional B de C : Our latest Conference Call presentation
May 11, 2023 at 06:12 pm EDT
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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
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Disclaimer
Regional SAB de CV published this content on 11 May 2023 and is solely responsible for the information contained therein. Distributed by Public, unedited and unaltered, on 11 May 2023 22:10:52 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.