Regions Financial (RF) investor relations material

Strategic priorities and performance

• Focused on building a sustainable, consistently performing bank with soundness, profitability, and growth as priorities, emphasizing client selectivity and disciplined expense management.

• Enhanced credit, interest rate, and liquidity risk management, with proactive hedging and exit from underperforming portfolios to reallocate capital for better returns.

• Commitment to diversified revenue streams and appropriate risk-adjusted returns, with continued investment in people, technology, and product expansion.

• Achieved top quartile performance in return on tangible common equity and total shareholder value over multiple timeframes.

• Maintained strong market positions, with top five market share in 70% of operating markets and significant growth in low-cost deposits.

Economic outlook and market conditions

• Economic conditions remain favorable, with strong customer balance sheets and healthy margins.

• Corporate banking pipelines are up 71% year-over-year, and consumer deposits have increased 20% year-over-year.

• Unemployment rates in key markets are lower than the national average, supporting a positive outlook.

Competitive landscape and growth

• Competition is increasing as more banks enter the Southeast, but a long-standing local presence and relationships provide an advantage.

• Achieved top quartile organic loan and deposit growth over the last five years compared to peers, excluding M&A activity.

• Strategic investments in priority markets have driven $12.5B deposit growth since 2019, outpacing market growth.

• Continued focus on growing operating and checking accounts, leveraging population growth in key markets.