Regions Financial (RF) Investor presentation summary

Strategic priorities and growth

• Priority markets added $14.9B of deposits since 2019; deposit growth of 59% exceeded market growth of 49%.

• Footprint deposit-weighted population growth is projected at 2.8% for 2027–2032 vs. 2.2% nationally; 21 of the top 30 MSAs are projected to outgrow the U.S.

• Three-year talent initiative is ~87% complete, including banker hiring and retail banker reskilling; early results include 30% growth in new commercial logos YTD and $6B in wealth client asset growth attributed to recent advisor hires.

• Longstanding priorities center on soundness, profitability and growth, with disciplined underwriting, diversified revenue, expense control and investment in high-growth markets, technology and talent.

Third-quarter financial performance

• 3Q26 reported net income available to common shareholders was $611M and diluted EPS was $0.71; adjusted results were $622M and $0.73, respectively.

• 3Q26 reported revenue was $1,973M and adjusted revenue was $1,988M; adjusted PPI was $870M, efficiency ratio 55.8% and return on average tangible common equity 21.66%.

• Adjusted PPI increased 4.8% YoY to $870M; adjusted diluted EPS of $0.73 rose 15.9% YoY.

• 3Q26 common dividends were $255M and share repurchases were $95M; common book value per share was $19.38 and tangible common book value per share was $12.65.

Net interest income and balance sheet

• 3Q26 FTE NII increased 2% QoQ to $1,314M, while NIM rose 2 bps to 3.68%; 4Q26 NII is expected to increase 1–2% QoQ and NIM to be ~3.70%.

• Interest-rate positioning is mostly neutral to Fed funds changes; a 50 bps move in 10-year Treasury yields is estimated to change next-12-month NII by ~ $35M in either direction vs. forwards.

• Average deposits were $129.1B in 3Q26; deposit costs were well controlled, NIB mix remained in the low 30% range, and FY26 average deposits are expected to rise by low single digits.

• FY26 average loans are expected to rise by low single digits; average loan balances increased modestly in 3Q26, with pipelines up 19% and commitments up 6% YoY.