About Regional and Its Significance in the Mexican Banking Sector
With over three decades of presence in the Mexican financial system, Banregio has established itself as a regional bank with national ambitions. Founded in 1994 in Monterrey, Nuevo León, Banregio has successfully adapted to technological changes while maintaining a human touch, particularly in its attention to small and medium-sized enterprises (SMEs), one of its priority segments.
Currently, Banregio has a presence in 22 federal entities through a network of 210 strategically located branches across states like the Federal District, Nuevo León, Jalisco, the State of Mexico, and Querétaro. This infrastructure enables the bank to offer personalized financial services with a deep understanding of local needs in each region.
Regional’s Performance and Digital Transformation at the 88th Banking Convention
During his participation in the 88th Banking Convention—the most relevant event in the national financial system—Manuel Rivero Zambrano, General Director of Regional (the holding company that groups Banregio and Hey Banco), shared the institution’s recent advances, highlighting the positive balance of the first quarter of 2025 and milestones achieved in its digital transformation process.
Financial Results
Regional reported a 13% growth in its total credit portfolio, reaching $180,986 million pesos by the end of the first quarter. The commercial credit, which is its strong bet on businesses, summed $151,622 million. Meanwhile, financing for individuals—home loans, auto loans, and personal loans—grew 8%, reaching $29,364 million.
On the side of traditional capture, deposits—both current and term—increased by 12%, totaling $176,464 million pesos, with a notable 14% rise in term deposits. The cost of this capture in national currency was 6%, reflecting efficient management of its liabilities.
Digital Transformation
Rivero also spoke about the bank’s evolution beyond finance. “The growth plan began with the shift to digitalization. We took on the task of reviewing physical channels and a reengineering to simplify tasks for employees, but we also decided to understand how we could innovate in terms of formats, orientations, and spaces, creating a continuous improvement,” he explained.
In this regard, the General Director of Regional assured that the bank prioritizes agile and efficient processes, supported by artificial intelligence to provide quick responses.
Hey Banco’s Independent Banking License
One of the most relevant milestones in this path towards innovation has been obtaining Hey Banco’s independent banking license, its 100% digital subsidiary. “This quarter has been very important; the advance we’ve made with the new banking license that was already obtained. The bank is now operating independently from Banregio,” Rivero emphasized, confirming the beginning of a new stage in the group’s digital strategy.
Unlike Banregio, which focuses on personalized advisory services, Hey Banco bets on a fully digital experience. “It’s the same products that everyone knows, but with a very distinct offering,” Rivero said, stressing that digitalization does not mean losing functionality but redefining how services are delivered.
Key Questions and Answers
- Who is Regional and why is it significant in the Mexican banking sector? Regional, with over three decades of presence in the Mexican financial system, has consolidated itself as a regional bank with national ambitions. It is known for its human touch, particularly in attending to small and medium-sized enterprises (SMEs).
- What are Regional’s financial results for the first quarter of 2025? Regional reported a 13% growth in its total credit portfolio, reaching $180,986 million pesos. Commercial credit grew to $151,622 million, while individual financing increased by 8% to $29,364 million.
- What advancements has Regional made in its digital transformation? Regional has prioritized agile and efficient processes, supported by artificial intelligence for quick responses. They have also obtained Hey Banco’s independent banking license, allowing it to operate independently and focus on a fully digital experience.
