Regions Financial Corporation · NYSE:RF
Regions Financial — Barclays Americas Select Conference 2013
20 slides from Regions Financial's conference presentation, May 20, 2013
Slide 1: Barclays Americas Select Conference
Exhibit 99.1 Barclays Americas Select Conference May 21, 2013 Grayson Hall Chief Executive Officer
Slide 2: Why Regions?
Why Regions? • Strong presence in high-growth markets Competitive Position • Competitive product set • Stable net interest margin Proven Track Record • Commitment to positive operating leverage • Disciplined expense management • Business plans to support growth Opportunity for • Significant credit l
Slide 3: A leading southeastern banking franchise
A leading southeastern banking franchise #1 #2 Birmingham, Alabama #1 Company Snapshot #4 March 2013 #1 #6 Associates 23,466 Assets $120B #4 Loans $74B Deposits $94B Branches 1,709 ATMs 2,048 Regions Branches Market Cap* $12.7B Regions Insurance Group # Deposit Market Share * As of May 14, 2013 3
Slide 4: Attractive geographic footprint
Attractive geographic footprint Characterized by leading competitive positions in high-growth markets ’12-’17E Market Population Top 10 MSAs Deposits Rank Growth Projected Population Growth (%) Birmingham, AL $10.1 1 2.0% Nashville, TN $7.0 1 7.6% Tampa, FL $5.0 4 3.7% Miami, FL $4.0 11 3.5% Memphis
Slide 5: Well-positioned relative to competitors
Well-positioned relative to competitors National Deposit Market Share Weighted Average Deposit Market Share in Regions’ Core Markets Rank Name Market Share Rank Name Market Share 1 Bank of America 12.3% 1 Bank of America 11.1% 2 Wells Fargo 10.7% 2 Wells Fargo 9.9% 3 JPMorgan Chase 10.4% 3 Regions 9
Slide 6: Stronger company today
Stronger company today Balance Sheet 1Q13 1Q11 Improvement Deposit Costs (1) 0.18% 0.59% 41 bps Total Funding Costs (1) 0.45% 0.86% 41 bps Time Deposits as % of Total Deposits 13% 24% 1100 bps Low-Cost Deposits $81.9B $73.7B 11% Profitability Mortgage Revenue $72MM $45MM 60% Net Interest Margin(1) 3
Slide 7: Loan trends
Loan trends Total Loan Balances (1) $76,720 $76,202 $75,259 $73,995 $73,936 30,299 29,878 29,554 29,202 28,875 46,421 46,324 45,705 44,793 45,061 1Q12 2Q12 3Q12 4Q12 1Q13 Commercial and Investor Real Estate Consumer Lending ($ in millions) (1) Ending balances 7
Slide 8: Net interest margin stable as peers decline
Net interest margin stable as peers decline Net Interest Margin vs. Peers 3.52% 3.51% 3.47% 3.44% 3.39% 43 bps Variance 26 bps Variance 3.16% 3.10% 3.13% 3.09% 3.08% 1Q12 2Q12 3Q12 4Q12 1Q13 Regions Peer Average Note: Peer banks include BBT, CMA, FHN, FITB, HBAN, KEY, MTB, PNC, STI, USB, WFC, ZION S
Slide 9: Deposit trends
Deposit trends Deposit Balances (1) and Deposit Costs $96,061 $95,863 $94,609 $94,805 $93,864 19,053 17,175 15,536 14,220 12,904 37 bps 32 bps 28 bps 22 bps 18 bps 77,008 78,688 79,073 80,585 80,960 1Q12 2Q12 3Q12 4Q12 1Q13 Low Cost Deposits Time Deposits + Other Deposit Costs ($ in millions) (1) Av
Slide 10: Expense control – a culture, not a campaign
Expense control – a culture, not a campaign Non-Interest Expense (1) / Average Assets 3.9% 3.0% 3.1% 3.1% 3.2% 3.2% 3.2% 3.2% 3.2% 3.6% 2.7% 2.9% 2.9% Bank Bank Bank Bank Bank Bank Bank Bank Bank Bank Bank Bank #1 #2 #4 #5 #6 #7 #8 #9 #10 #11 #12 #13 Total Expenses 1Q13 vs. 1Q12 % Change 6% 1% 3% 0%
Slide 11: Continued asset quality improvement
Continued asset quality improvement Significant credit leverage remains Net Charge-Offs and Ratio Allowance for Loan Losses / Total Loans $332 46% decrease Y-O-Y $265 $262 3.30% 1.73% $180 $180 1.39% 1.38% 2.37% 0.96% 0.99% 2.22% 1.81% 1Q12 2Q12 3Q12 4Q12 1Q13 1Q12 2Q12 3Q12 4Q12 1Q13 ($ in millions
Slide 12: Strong capital and solid liquidity
Strong capital and solid liquidity Tier 1 Common Ratio (1) Loan to Deposit Ratio 11.2% 87% 88% 88% 88% 88% 10.8% 10.5% 10.0% 80% 10.1% 79% 79% 79% 9.6% 10.0% 78% 9.8% 9.9% 9.6% 1Q12 2Q12 3Q12 4Q12 1Q13 1Q12 2Q12 3Q12 4Q12 1Q13 Regions Peer Median Regions Peer Median Estimated Basel III (1) at the en
Slide 13: Key focus areas for 2013
Key focus areas for 2013 Consumer Services Business Services Wealth Management Understanding customer needs through a full and detailed 360° view Create shared value Going to market as One bank, One team, One Regions Providing service quality that creates exceptional loyalty and retention • Grow hou
Slide 14: Moving forward in 2013
Moving forward in 2013 • Through , maximize opportunities to deepen quality customer relationships • Grow households • Positioned for continued increases in loan production • Indirect auto portfolio • Commercial and Industrial • Credit card • Retention of 15-year fixed rate mortgages • Continue to l
Slide 15: Appendix
Appendix Md REGIONS «
Slide 16: Forward-looking statements
Forward-looking statements This presentation may include forward-looking statements which reflect Regions’ current views with respect to future events and financial performance. The Private Securities Litigation Reform Act of 1995 (“the Act”) provides a “safe harbor” for forward-looking statements w
Slide 17: Non-GAAP reconciliation: Tier 1 common
Non-GAAP reconciliation: Tier 1 common The following table provides calculations of Tier 1 capital (regulatory) and "Tier 1 common equity" (non-GAAP). Traditionally, the Federal Reserve and other banking regulatory bodies have assessed a bank's capital adequacy based on Tier 1 capital, the calculati
Slide 18: Non-GAAP reconciliation: non-interest income / expense, fee income and efficiency ratios
Non-GAAP reconciliation: non-interest income / expense, fee income ratios and efficiency ratios The table below presents computations of the efficiency ratio (non-GAAP), which is a measure of productivity, generally calculated as non-interest expense divided by total revenue. The table also shows th
Slide 19: Non-GAAP reconciliation: Basel III
Non-GAAP reconciliation: Basel III The following table provides calculations of Tier 1 common, based on Regions’ current understanding of Basel III requirements, as proposed by the U.S. Notices of Proposed Rulemaking released in June 2012. Regions currently calculates its risk-based capital ratios u
Slide 20: Regions
Ma REGIONS
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