Regions Financial Corporation · NYSE:RF
Regions Financial — Shareholder Meeting (April 2023)
19 slides from Regions Financial's shareholder meeting presentation, Apr 18, 2023
Slide 1: Annual Shareholder Meeting April 19, 2023
Annual Shareholder Meeting April 19, 2023 Exhibit 99.1
Slide 2: Deposit Advantage: Well diversified deposit base
2 Deposit Advantage Well diversified deposit base (1) As of 12/31/2022. Peers include: CFG, CMA, FHN, FITB, HBAN, HWC, KEY, MTB, PNC, SNV, TFC, USB, ZION. Source: Bank Call Reports. ...Resulting in the highest mix of FDIC insured deposits amongst peers % of Total Deposits Insured By FDIC(1)% of Tota
Slide 3: Diversified Deposit Base
3 Diversified Deposit Base (1) $ in billions as of 3/31/2023. (2) Data and categorization reflects FR 2052a (Complex Institution Liquidity Monitoring Report) methodology. (3) High quality checking account estimates are based on multiple individual account behaviors and activities (e.g., balances and
Slide 4: Liquidity Advantage
4 Liquidity Advantage (1) Fed master account closing balance only. Does not include other small in transit / processing items included in Call Report or SEC reports. (2) Liquid Securities Free to Use (incl. Bank Term Funding Program (BTFP)) are comprised of Free to Pledge Securities and the incremen
Slide 5: Operating from a Strong Foundation
5 Operating from a Strong Foundation Defining our culture while focusing on doing the right things, the right way Do What is Right Focus on Your Customer Reach Higher Enjoy Life Our Mission & Core Values Our mission is to achieve superior economic value for our shareholders over time by making life
Slide 6: 2022 Overview
6 2022 Overview Continue to generate consistent, sustainable long-term performance (1) Non-GAAP, see Appendix for reconciliation. (2) Peer banks include: CFG, CMA, FHN, FITB, HBAN, HWC, KEY, MTB, SNV, PNC, TFC, USB, and ZION. • Both reported and adjusted FY PPI(1) represent highest level on record •
Slide 7: Investments in Our Businesses
7 (1) December 2022 vs 2021. (2) Quality Relationships defined as having a cumulative $500K in loans, deposits and IM&T accounts, revenue per Quality Relationship measured over TTM, Nov '22 vs Dec '21. (3) Retention of IM&T revenue vs baseline. Investments in Our Businesses Investments in talent, te
Slide 8: Regions Bank recognized as a 2023 Top Military Friendly Brand
8 Regions Bank recognized as a 2023 Top 10 Military Friendly Brand Regions Bank earned the Great Place to Work-Certified™ Company designation based on what current associates say about their experience working here Eight Years Strong: Regions Bank Again Named Gallup Exceptional Workplace Award Winne
Slide 9: Enhancing Associate Experience
9 Enhancing Associate Experience Ensuring diverse talent, equitable access & inclusion Our future means investing in our people today. In 2022, we advanced a number of initiatives to provide cutting-edge training and development tools while also securing new pathways to create a more diverse, equita
Slide 10: Delivering Shared Value: Environmental, Social & Governance
10 Delivering Shared Value Environmental, Social & Governance Our Mission & Core Values Teams Informed, engaged, and as diverse as our communities Products & Services Aligned with customers’ unique goals and strategies Governance Risks and opportunities overseen and managed in line with broader busi
Slide 11: Appendix
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Slide 12: Management uses pre-tax pre-provision income (non-GAAP) and adjusted pre-tax pre-provision income (non-GAAP), as well
12 Management uses pre-tax pre-provision income (non-GAAP) and adjusted pre-tax pre-provision income (non-GAAP), as well as the adjusted efficiency ratio (non-GAAP) and the adjusted fee income ratio (non-GAAP) to monitor performance and believes these measures provide meaningful information to inves
Slide 13: Non-GAAP reconciliation: Adjusted Net Charge-Offs and Ratio
13 Non-GAAP reconciliation Adjusted Net Charge-Offs and Ratio Year-Ended For the Quarter Ended ($ amounts in millions) 2022 2021 12/31/2022 9/30/2022 6/30/2022 3/31/2022 12/31/2021 Net loan charge-offs (GAAP) $263 $204 $69 $110 $38 $46 $44 Less: charge-offs associated with the sale of unsecured cons
Slide 14: Non-GAAP reconciliation: Pre-tax pre-provision income (PPI)
14 Non-GAAP reconciliation Pre-tax pre-provision income (PPI) Year Ended Quarter Ended ($ amounts in millions) 2022 12/31/2022 9/30/2022 6/30/2022 3/31/2022 12/31/2021 4Q22 vs. 3Q22 4Q22 vs. 4Q21 Net income available to common shareholders (GAAP) $ 2,146 $ 660 $ 404 $ 558 $ 524 $ 414 $ 256 63.4 % $
Slide 15: Non-GAAP reconciliation: NII, non-interest income/expense, efficiency ratio
15 Non-GAAP reconciliation NII, non-interest income/expense, and efficiency ratio NM - Not Meaningful Twelve Months Ended December 31 ($ amounts in millions) 2022 2021 2022 vs. 2021 Non-interest expense (GAAP) A $ 4,068 $ 3,747 $ 321 8.6 % Adjustments: Contribution to the Regions Financial Corporati
Slide 16: Forward-Looking Statements
16 Forward-Looking Statements This presentation may include forward-looking statements as defined in the Private Securities Litigation Reform Act of 1995. The words “future,” “anticipates,” “assumes,” “intends,” “plans,” “seeks,” “believes,” “predicts,” “potential,” “objectives,” “estimates,” “expec
Slide 17: • Our inability to keep pace with technological changes, including those related to the
17 • Our inability to keep pace with technological changes, including those related to the offering of digital banking and financial services, could result in losing business to competitors. • Changes in laws and regulations affecting our businesses, including legislation and regulations relating to
Slide 18: Forward-looking statements (continued)
18 Forward-looking statements (continued) • The effects of man-made and natural disasters, including fires, floods, droughts, tornadoes, hurricanes, and environmental damage (specifically in the Southeastern United States), which may negatively affect our operations and/or our loan portfolios and in
Slide 19: Regions
Mr REGIONS