Regions Financial (RF) investor relations material

Core modernization and technology transformation

• Two-and-a-half years into a core modernization effort covering commercial, servicing, and deposit systems, with a new API layer and digital channels, including a recently launched in-house mobile app.

• Core lending platform is in final testing, targeting deployment in Q2 2026; core deposit system is further along, with integration and user testing planned for 2026.

• Modernization enables nimble product launches, supports business strategies, and allows for digital account origination outside branches.

• Investments in cloud-based real-time data stores and authentication enhance fraud reduction and customer experience.

• Technology upgrades are tightly aligned with business strategy, ensuring solutions serve targeted growth segments like small business.

Data, AI, and risk management

• Product-based approach to AI and machine learning, with solutions like Client IQ providing actionable insights and risk alerts for bankers.

• Building a cloud-based Customer DNA platform to enrich real-time data for deeper insights.

• Strong data governance with a federated model, ensuring business units own and address data quality and lineage.

• Comprehensive risk frameworks and responsible use policies for generative AI, with controls to prevent data leakage and harmful outputs.

• Enterprise data management program supports confidence in data quality for AI models.

Payments innovation and industry positioning

• Full-service payments franchise spans legacy and instant payments, with top-10 national rankings in ACH origination and RTP network participation.

• Early adopter of commercial mobile pay and embedded ERP capabilities for corporate clients.

• Plans to launch an open banking digital marketplace for corporate clients to self-serve money movement capabilities.

• Focus on automation and API-driven money movement to deliver best-in-class treasury management.