Regions Financial Corporation · NYSE:RF
Regions Financial — Goldman Sachs Financial Services Conference 2025
13 slides from Regions Financial's conference presentation, Dec 10, 2025
Slide 1: Goldman Sachs Financial Services Conference
Goldman Sachs Financial Services Conference December 10 Internal Use
Slide 2: Longstanding Strategic Priorities
Longstanding Strategic Priorities Soundness Profitability Growth Relentless focus on: Committed to: Strategically Investing in: • Client selectivity • Diversified Revenue Streams • Top quartile organic loan & deposit growth over the last 5 yrs vs. peers(1) • Credit Risk Management • Appropriate Risk
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: Driving Shareholder Value
Driving Shareholder Value Soundness: Peer-leading dividend growth while actively managing share count 6 Yr Dividend Growth CAGR Post-Financial Crisis Maximum 3Q25 Shares Shares RF 10.1% Period Outstanding Outstanding Decline (MM) (MM)(1) Peer 1 9.1% RF 3Q12 1,423 894 (37.2)% Peer 2 9.1% Peer 12 4Q11
Slide 5: 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 Rank: 1 24.1% 21.4% 21.9% Rank: 1 Rank: 1 17.8% 18.6% 17.6% 14.9% 19.0% 15.2% 14.3% 12.8% 17.1% 16.5% 9.6% 9.5% 14.4% 9.2% 14.3% 9.0% 9.7% 11.0% 8
Slide 6: Total Shareholder Return
Total Shareholder Return Profitability: Strong track record of Shareholder Returns 3 Year Total Shareholder Return 5 Year Total Shareholder Return 281% 78% 187% 179% 178% 58% 52% 51% 50% 162% 155% 152% 49% 47% Peer Median: 136% 136% 129% 126% 38% 38% Peer Median: 38% 119% 100% 25% 24% 24% 67% 52% 13
Slide 7: 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 8: Top Quartile Organic Loan and Deposit Growth
Top Quartile Organic Loan and Deposit Growth Growth: Consistent, disciplined growth 5 Yr Loan Growth excl. Bank M&A 21% 18% 17% 12% 12% 11% 7% 7% Peer Median: 7% 2% 1% 1% (3)% (4)% (5)% RF 11 6 2 10 5 1 9 4 13 8 3 12 7 er er er er er er er er er er er er er Pe Pe Pe Pe Pe Pe Pe Pe Pe Pe Pe Pe Pe 5 Y
Slide 9: Attractive Footprint and Strong Brand Presence
Attractive Footprint and Strong Brand Presence Growth: Home field advantage in the southeast Strong Profitability/Returns Supported by: Winning in Core Markets Building trust & serving clients for over 170 years ☑ Low Cost Core Deposits ☑ Strong Brand ☑ Loyal Customer Base ☑ Employer / Bank of Choic
Slide 10: 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) 3Q25 Total Deposit Cost vs Peers(1) 40% RF Avg. Total Deposit Growth 30% Above industry median growth w/ meaningfully Peer Median 20% lower cost (wort
Slide 11: Building on Our Success
Building on Our Success Growth: Strategic investments in priority markets driving deposit expansion Continuing to Invest in Priority Maximizing Growth Opportunities Markets(2) Priority Market Growth Opportunities(1) Building on success with incremental investments supporting ‘26-‘31 Population Growt
Slide 12: 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 in key areas of opportunity: By hiring and converting skilled Ba
Slide 13: Slide 13
Regions Financial — Goldman Sachs Financial Services Conference 2025 on 6ix