Regions Financial Corporation · NYSE:RF
Regions Financial — Morgan Stanley U.S. Financials Conference 2025
16 slides from Regions Financial's conference presentation, Jun 10, 2025
Slide 1: Morgan Stanley U.S. Financials Conference
Morgan Stanley U.S. Financials Conference June 10
Slide 2: Longstanding Strategic Priorities
Longstanding Strategic Priorities Soundness Profitability Growth Strategically Investing in: • Top quartile organic loan & Relentless focus on: Committed to: deposit growth over the last 5 yrs vs. peers(1) • Credit Risk Management • Diversified Revenue Streams • Leverage superior growth of the • Int
Slide 3: Capital Strength
Capital Strength Soundness: Robust capital balances and strong organic capital generation position Regions well for full range of potential economic conditions Capital Resiliency Pro Forma Post-Stress Capital(2) • Prudent risk management evident in Federal Reserve's stress testing results 11.68% 11.
Slide 4: Leading with Consistently Strong Growth Metrics
Leading with Consistently Strong Growth Metrics Profitability: Supports a higher P/E multiple Peer Leading ROATCE(1) For 4 Straight Years Rank: 1 Rank: 1 24.1% Rank: 1 21.4% 21.9% Rank: 1 Rank: 1 17.6% 17.8% 17.7% 16.4% 14.9% 19.3% 13.4% 12.0% 12.0% 17.0% 16.5% 11.0% 14.7% 9.2% 14.3% 9.0% 11.0% 8.5%
Slide 5: Total Shareholder Return
Total Shareholder Return Profitability: Strong track record of leading Shareholder Return 3 Year Total Shareholder Return 5 Year Total Shareholder Return 19% 17% 11% 9% 8% 7% Peer Median: 3% 223% 4% 3% 221% 210% 197% 193% 175% Peer Median: 132% 157% 132% (8)% (8)% 121% 121% 104% 98% (15)% (15)% (16)
Slide 6: Tangible Book Value Growth plus Dividends
Tangible Book Value Growth plus Dividends Profitability: 3 and 5 yr CAGR excluding AOCI 3 Yr CAGR of TBV + Dividends 5 Yr CAGR of TBV + Dividends Peer 1 20.4% Peer 1 15.3% RF 18.7% Peer 7 14.9% Peer 2 16.7% RF 14.8% Peer 3 16.2% Peer 2 14.6% Peer 4 15.2% Peer 6 14.2% Peer 5 14.2% Peer 9 13.9% Peer 6
Slide 7: Attractive Footprint and Strong Brand Presence
Attractive Footprint and Strong Brand Presence Growth: Home field advantage in the southeast Winning in Core Markets Strong Profitability/Returns Supported by: Building trust & serving clients for over 170 years ☑ Low Cost Core Deposits ☑ Strong Brand ☑ Loyal Customer Base ☑ Employer / Bank of Choic
Slide 8: Deposit Advantage Key to Franchise Value
Deposit Advantage Key to Franchise Value Growth: Outperforming deposit growth & disciplined pricing 5 Year Deposit Growth vs Current Deposit Costs(1) 1Q25 Total Deposit Cost vs Peers(1) 40% RF Avg. Total Deposit Growth 30% Above industry median growth w/ Peer Median meaningfully lower 2.23% 20% 2.03
Slide 9: Building on Our Success
Building on Our Success Growth: Strategic investments in priority markets driving deposit expansion Continuing to Invest in Priority Markets Maximizing Growth Opportunities Building on success with incremental investments supporting Priority Market Growth Opportunities(1) (3) growth while maintainin
Slide 10: Investing in People and Technology
Investing in People and Technology Growth: Expanding talent and capabilities in markets with greatest opportunity Investing in Banker Expansion Investments in Technology Over the next 3 years, will invest in Talent across the Footprint ☐ Core Modernization in key areas of opportunity: By hiring and
Slide 11: Appendix
Appendix
Slide 12: Non-GAAP reconciliation
Non-GAAP reconciliation Return on Average Tangible Common Shareholders' Equity Quarter Ended Year Ended ($ amounts in millions) 3/31/2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 RETURN ON AVERAGE TANGIBLE COMMON SHAREHOLDERS' EQUITY Net income available to common shareholders A $ 465 $ 1,7
Slide 13: Forward-Looking Statements
Forward-Looking Statements Forward-Looking Statements This presentation may include forward-looking statements as defined in the Private Securities Litigation Reform Act of 1995. In addition, the company, through its senior management, may from time to time make forward-looking public statements con
Slide 14: Forward-Looking Statements (continued)
Forward-Looking Statements (continued) • Our inability to develop and gain acceptance from current and prospective customers for new products and services and the enhancement of existing products and services to meet customers’ needs and respond to emerging technological trends in a timely manner co
Slide 15: Forward-Looking Statements (continued)
Forward-Looking Statements (continued) • Our ability to comply with stress testing and capital planning requirements (as part of the CCAR process or otherwise) may continue to require a significant investment of our managerial resources due to the importance of such tests and requirements. • Our abi
Slide 16: Slide 16
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