Regions Financial (RF) Investor presentation summary

Strategic priorities and growth

• Focus on soundness, profitability, and growth through disciplined risk management and diversified revenue streams.

• Strategic investments in talent, technology, and priority markets drive above-median organic loan and deposit growth.

• Expansion in high-growth markets like Nashville, Tampa, and Orlando, with deposit growth outpacing market averages.

• Investments in banker expansion, technology, and digital platforms enhance customer experience and productivity.

• Recognition for excellence in customer service, innovation, and workplace culture, including top rankings from J.D. Power and Newsweek.

Financial performance and shareholder returns

• Consistent top-quartile earnings and risk efficiency, with peer-leading ROATCE and EPS CAGR over 5 and 10 years.

• Strong total shareholder returns: 3-year TSR at 70%, 5-year at 123%, and 10-year at 206%, all above peer medians.

• Above-median organic loan and deposit growth, with disciplined pricing and cost management.

• FY25 net income available to common shareholders was $2.06B, with adjusted diluted EPS of $2.33 and efficiency ratio of 56.8%.

• Tangible book value per share grew 14.6% YoY, with a 3-year CAGR of 19.6% including dividends.

Balance sheet, capital, and liquidity

• Asset-sensitive balance sheet with a large floating rate loan mix and stable deposit base; interest rate risk profile is mostly neutral.

• Non-interest bearing deposits comprise 30% of total, supporting low funding costs and margin outperformance.

• Well-diversified deposit base, with 71% insured or collateralized and no depositor exceeding 1% of total deposits.

• CET1 ratio at 10.8% (9.6% inclusive of AOCI), managed within a 9.25-9.75% operating range.

• Ample liquidity sources, with a liquidity to uninsured deposits ratio of ~182%.