In the personal financing section (mortgages, cars, cards and personal), it stood at 30,357 million pesos, which represents 9% more than in the same period of 2024.
Within the composition by risk stages, the portfolio in stage 1 (which groups the highest quality loans) amounted to 181,683 million, an increase of 9% compared to Q3 of 2024. For its part, consumer credit grew 10% and the mortgage portfolio, 9%. This fact confirms diversification, but without losing business focus.
Deposits and stable funding with 9% growth
Traditional deposits closed at 183,237 million pesos, equivalent to an annual increase of 9%, particularly the growth of time deposits, which reached 101,550 million (+9% y/y). The cost of funding in national currency was 4.9%, a competitive level in the context of high rates in the Mexican financial system. He past due portfolio ratio was located in 1.6%with a moderate increase of 38 basis points compared to the previous year, within healthy levels for the type of portfolio managed by the institution.
The group maintains reserves equivalent to 1.3 times the portfolio in stage 3which guarantees sufficient coverage against possible credit deteriorations. In terms of solvency, the capitalization index of Banco Regional closed in 14.6%above the regulatory minimum that confirms the strength of the institution in the face of stress scenarios.
With a developing portfolio, stable funding and profitability that is still solid despite the pressure on profits, Regional closes the quarter with consistent fundamentals. The combination of prudence in risk, robust capitalization and growth in strategic lines allows it to maintain a competitive position compared to the rest of the banking system.
