2022 Report and Financial Statements
2022 REPORT AND FINANCIAL STATEMENTS - BANCO REGIONAL
LETTER FROM THE PRESIDENT
ECONOMIC AND FINANCIAL PERFORMANCE
1.1. MAIN MANAGEMENT
INDICATORS
AS OF DECEMBER 31 OF
Exchange Rate (PYG per USD)
2018
5.961
2019
6.453
2020
6.900
2021
2022
% 22/21
6.886
7.346
Balance (in millions of guaranies)
(A)
Total Loans
Financial Investments
Total Assets
Total Deposits
12.854.962
899.417
17.442.398
10.853.035
13.955.271
12.750.796
Paid-in Capital
Shareholders' Equity
1.087.788
1.637.058
626.611
17.334.680
11.202.599
1.151.243
561.625
17.556.750
13.172.221
419.920
17.641.888
13.367.114
1,48%
917.841
17.112.756
118,58%
-3,00%
11.503.395
12.315.841
11.843.434
-3,84%
1.151.243
1.081.243
1.084.665
0,32%
1.736.966
1.802.998
1.563.541
1.283.946
-17,88%
Income Statement (in millions of guaranies)
(B)
Financial Margin
595.905
644.100
545.466
469.788
553.284
17,77%
Net Commissions
119.180
119.209
106.329
103.734
121.522
17,15%
Administrative Expenses
409.754
388.667
382.936
399.600
Net Income
138.092
156.900
72.396
4.278
409.470
-1.226
2,47%
-128,67%
Profitability and Efficiency (in %)
(C)
Return on Equity (ROE)
10,32%
10,99%
4,56%
0,70%
-0,10%
Return on Assets (ROA)
0,89%
1,00%
0,45%
0,06%
-0,01%
Efficiency (costs/income)
55,81%
49,01%
57,23%
64,30%
54,02%
I
Capital Management (in %)
(D)
Tier I
13,64%
12,70%
16,26%
12,76%
Tier II
15,99%
12,11%
18,92%
13,67%
11,53%
13,67%
Quality of Portfolio
(E)
Allowances (in millions of guaranies)
Defaulting 60 days (%)
Coverage of Allowances on Past-due Portfolio (%)
173.592
1,47%
146,01%
217.395
1,52%
339,81%
221.483
1,96%
258,57%
184.192
2,74%
160,68%
384.211
4,35%
134,39%
108,59%
Liquidity Management
(F)
Funds of coverage of liquidity (in millions of guaranies)
Credits on deposits (%)
2.921.577
118,45%
1.819.762
124,57%
3.800.735
110,84%
2.580.236
106,95%
2.309.395
112,87%
-10,50%
Structure and alternative channels
(G)
Number of Branches (1)
ATMs
Clients (2)
38
83
37
32
33
32
-3,03%
90
84
83
88
6,02%
Number of Employees
Facebook subscriptions
Twitter subscriptions
Instagram subscriptions
99.900
653
96.855
9.685
3.810
Regional Web/Regional Mobile subscriptions (3)
Number of credit cards (plastics)
36.723
41.151
100.792
654
98.953
9.650
5.157
41.393
44.996
98.441
605
103.499
10.162
8.962
48.065
44.203
101.301
626
107.870
6,48%
108.054
10.161
620
113.829
-0,96%
5,34%
10.302
1,39%
13.664
17.599
28,80%
55.261
65.391
18,33%
44.652
47.790
7,03%
(1) The total includes administrative offices.
(2) It includes clients with passive accounts.
(3) Regional Web: Homebanking; Regional Mobile: App for smartphones and phone banking.
(A) The purpose of this group is to present in a summarized manner the evolution of the main items of the consolidated balance sheet, emphasizing the portfolios.
(B) In this group, the main accounts that impact the income of the Institution are presented.
(C) The purpose of these ratios is to show the profitability and efficiency of recent years.
(D) These ratios show the bank's solvency and correct use of capital in recent years.
(E) This group shows the leading indicators related to the risk management of the credit portfolio.
(F) This group's purpose is to show liquidity's evolution in recent years.
(G) This group shows the evolution of the Bank as to its structure and the increase of subscribers to alternative customer service channels.
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