Regions Financial Corporation · NYSE:RF
Regions Financial — Goldman Sachs US Financial Service Conference 2014
16 slides from Regions Financial's conference presentation, Dec 9, 2014
Slide 1: Goldman Sachs US Financial Service Conference
Goldman Sachs US Financial Service Conference December 9, 2014 1 Grayson Hall Chairman and CEO Exhibit 99.1
Slide 2: Leading Southeastern banking franchise
Leading Southeastern banking franchise 2 *As of 3Q14, except Market Cap as of 11/24/2014 Company Snapshot* Associates 23,599 Assets $119B Loans $77B Deposits $94B Branches 1,671 ATMs 1,995 Market Cap $13.9B Top Ten MSAs ’14-’19 Projected Population Growth Birmingham, AL Nashville, TN Tampa, FL Memph
Slide 3: Well positioned for growth
Well positioned for growth 3 Liquidity Loan to deposit ratio(2) 82.2% 81.4% 89.3% 88.8% 3Q13 4Q13 1Q14 2Q14 3Q14 Capital Tier 1 Common ratio(1) Non-interest bearing deposits / total assets(3) Individual deposits(4) / total deposits (1) Non-GAAP – See appendix for reconciliation (2) Based on ending b
Slide 4: Excess capital supports return of capital and organic growth
Our excess capital position is sufficient to support both the return of capital and strong organic growth and other strategic opportunities 4 Invest and grow › Grow loans consistent with risk tolerance › Opportunistically evaluate complementary portfolios including banks and non-banks Return Capital
Slide 5: Key strategic initiatives in 2015 – General Bank
Key strategic initiatives in 2015 – General Bank 5 Consumer Services • Retain and increase customer relationships • Launch retail network strategy • Create products and services to generate additional revenue Wealth Management • Continue building out Investment Services • Execute larger Insurance li
Slide 6: Retail branch strategy: Long-term outlook
Retail branch strategy: Long-term outlook 6 Priority Growth Core Conducted DETAILED market analysis to identify and prioritize growth markets Continue INVESTING in core markets to refine existing network, improve efficiency and maintain market share Designed to improve network efficiency and effecti
Slide 7: Allowing customers to bank the way they choose
Allowing customers to bank the way they choose 7 Online / Mobile Branches Contact Center • Continues to be #1 sales generator • More than 80% of sales occur in a branch • Branch network strategy using various types of branch models. • Flagship, Neighborhood, Micro & Unmanned ATM / Kiosk • 37% of cus
Slide 8: Meeting customer needs through innovation
Meeting customer needs through innovation 8 Video Tellers Universal Bankers • Provides customer convenience and extended hours • Banker can complete nearly all the transactions offered at a branch • Easily deployed throughout the footprint Online / Mobile Offerings • Enables bankers to provide both
Slide 9: Corporate Bank overview
Corporate Bank overview 9 Commercial Banking Corporate Banking Real Estate Banking • Middle market ($20MM- $250MM in annual sales) • Local and regional companies – typically privately held • Government and Institutional • Large corporate companies ($250MM - $2B in annual sales) • Complex entities •
Slide 10: Key strategic initiatives in 2015 – Corporate Bank
Key strategic initiatives in 2015 – Corporate Bank 10 Continue to recruit, retain, motivate and coach outstanding bankers Use data and analytics to allocate resources into target markets and specialized industries for expansion Continue to build Capital Markets and Treasury Management capabilities t
Slide 11: Expectations for 2015
Expectations for 2015 11 • Continued low interest rate environment throughout most of 2015; improvement expected late in the year • Leverage to grow customer relationships across business groups by 2% to 4% • Loan growth of 4% to 6% • Deposit growth of 1% to 2% • Expect to generate positive operatin
Slide 12: Regions' Vision Statement
Regions’ aims to be the premier regional financial institution in America through being deeply embedded in its communities, operating as one team with the highest integrity, providing unique and extraordinary service to all of its customers, and offering an unparalleled opportunity for professional
Slide 13: Regions
A. REGIONS
Slide 14: Appendix
Appendix Ms REGIONS 14
Slide 15: 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 16: Forward-looking statements
Forward-looking statements The foregoing list of factors is not exhaustive. For discussion of these and other factors that may cause actual results to differ from expectations, look under the captions “Forward-Looking Statements” and “Risk Factors" of Regions' Annual Report on Form 10-K for the year
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