Regions Financial Corporation · NYSE:RF
Regions Financial — Barclays Global Financial Services Conference 2015
16 slides from Regions Financial's conference presentation, Sep 15, 2015
Slide 1: Barclays Global Financial Services Conference
® Barclays Global Financial Services Conference September 16, 2015 Grayson Hall President and CEO ® Exhibit 99.1
Slide 2: Strength of our core markets
® Strength of our core markets 2 (1) As of 6/30/2014 FDIC summary Regions Branches # Deposit Market Share(1) Regions Insurance Group #5 #4 #2 #2 #1 #6 #1
Slide 3: Geographic growth opportunities
® Geographic growth opportunities 3 Top MSAs Deposits Market Rank(1) ’15-’20 Population Growth Birmingham, AL $11.5 1 Nashville, TN $6.7 2 Tampa, FL $5.9 4 Memphis, TN $4.4 2 Miami, FL $4.0 12 Atlanta, GA $3.3 6 Jackson, MS $2.8 2 St. Louis, MO $2.7 4 New Orleans, LA $2.6 5 Mobile, AL $2.4 1 1.0% 4.
Slide 4: Strategic initiatives for 2015
® Grow and diversify revenue Committed to generating positive operating leverage over time Effectively deploy capital Strategic initiatives for 2015 4
Slide 5: Net interest margin and loan yields
® Net interest margin and loan yields Net interest margin vs. peers 3.24% 3.16% 3.15% 2.97% 2Q14 3Q14 4Q14 1Q15 2Q15 Note: Peer banks include BBT, CMA, FHN, FITB, HBAN, KEY, MTB, PNC, STI, USB, WFC, ZION Source: SNL Financial Loan yield vs. peers 5 3.95% 3.78% 3.83% 3.72% 2Q14 3Q14 4Q14 1Q15 2Q15 Re
Slide 6: Grow and diversify revenue
® Grow and diversify revenue 6 Note: Peer banks include BBT, CMA, FHN, FITB, HBAN, KEY, MTB, PNC, STI, USB, WFC, ZION Source: SNL Financial (1) Non-GAAP – See appendix for reconciliation (2) Total Wealth Management income presented above does not include the portion of service charges on deposit acc
Slide 7: Committed to generating positive operating leverage over time
® 63.2% 62.7% 66.1% 64.9% 64.5% 2Q14 3Q14 4Q14 1Q15 2Q15 Committed to generating positive operating leverage over time (1) Non-GAAP – See appendix for reconciliation Note: Peer banks include BBT, CMA, FHN, FITB, HBAN, KEY, MTB, PNC, STI, USB, WFC, ZION Source: SNL Financial 7 Adjusted expenses(1) /
Slide 8: Asset quality remains stable
® (1) Includes commercial and investor real estate loans only $67 $75 $83 $54 $46 0.35% 0.39% 0.42% 0.28% 0.23% 2Q14 3Q14 4Q14 1Q15 2Q15 Net Charge-Offs Net Charge-Offs ratio Asset quality remains stable 8 Net charge-offs and ratio ($ in millions) $3,051 $2,985 $2,699 $2,824 $2,950 6.4% 6.3% 5.6% 5.
Slide 9: Effectively deploy capital
® Effectively deploy capital We believe our capital position is sufficient to support both strong organic growth and other strategic opportunities as well as the return of capital Deploy excess capital to grow products with the highest return on regulatory capital within our desired risk profile
Slide 10: Organic growth
® Organic growth 10 $47.7 $47.7 $48.2 $49.0 $50.5 $28.8 $28.9 $29.1 $29.2 $29.6 $76.5 $76.6 $77.3 $78.2 $80.1 2Q14 3Q14 4Q14 1Q15 2Q15 Business Lending Consumer Lending Ending loan balances ($ in billions) Loans are expected to grow 4-6% during 2015 Broad based growth achieved YTD Customer accounts
Slide 11: Capital return to shareholders
® Capital return to shareholders 11 Dividends Share repurchases $0 $339 $256 $627 FY 2012 Actual FY 2013 Actual FY 2014 Actual FY 2015 Estimated* * 1Q15 actual was $102MM, projected 2Q15-4Q15 based on 2015 CCAR submission of $875MM, evenly spread over 5 quarters for this example, but are subject to
Slide 12: Capital Distribution Through Dividends and Share Buybacks
® Capital Distribution Through Dividends and Share Buybacks 12 46% 94% 61% 63% 2014 Projected 2015 CCAR Capital Plan Distributions Regions Peer Average Peer set includes - BAC, BBT, CMA, FITB, HBAN, JPM, KEY, PNC, STI, USB, WFC, ZION Source: 2015 peer CCAR disclosures, SNL, FactSet Income Estimates,
Slide 13: Appendix
® 13 Appendix
Slide 14: Non-GAAP reconciliation: Non-interest income/expense
® 14 Non-GAAP reconciliation: Non- interest income/expense NM – Not Meaningful (1) Regions recorded $50 million and $100 million of contingent legal and regulatory accruals during the second quarter of 2015 and the fourth quarter of 2014, respectively, related to previously disclosed matters. The fo
Slide 15: Forward-looking statements
® Forward-looking statements 15 • Current and future economic and market conditions in the United States generally or in the communities we serve, including the effects of declines in property values, unemployment rates and potential reductions of economic growth, which may adversely affect our lend
Slide 16: Regions
Aw REGIONS REGIONS”
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