Regions Financial Corporation · NYSE:RF
Regions Financial — RBC Global Financial Institutions Conference 2025
15 slides from Regions Financial's conference presentation, Mar 5, 2025
Slide 1: RBC Global Financial Institutions Conference
Exhibit 99.2 RBC Global Financial Institutions Conference March 4-5
Slide 2: Longstanding Strategic Priorities
Longstanding Strategic Priorities Soundness Profitability Growth Relentless focus on: Committed to: Strategically Investing in: • Credit Risk Management • Diversified Revenue Streams • Top quartile organic loan & deposit growth over the last 5 • Interest Rate Risk Management • Appropriate Risk Adjus
Slide 3: Faster Earnings Growth and Top Returns
Faster Earnings Growth and Top Returns Supports a higher P/E multiple Peer Leading ROATCE(1) For 4 Straight Years Rank: 1 Rank: 1 24.1% Rank: 1 21.4% 21.9% Rank: 1 17.6% 17.8% 16.4% 14.9% 19.3% 12.0% 12.0% 17.0% 16.5% 11.0% 14.7% 9.2% 14.3% 9.0% 11.0% 8.5% 9.7% 2015 2016 2017 2018 2019 2020 2021 202
Slide 4: Transformational Journey
Transformational Journey Decade plus of prioritizing soundness, profitability and growth positions company well for 2025 and beyond Capital Resiliency Exited Non-Core Businesses Continuous Improvement Investor CRE 2024 CCAR Capital ($ in billions) Degradation(1) Organization Sold $300M of Customer J
Slide 5: Attractive Footprint and Strong Brand Presence
Attractive Footprint and Strong Brand Presence Home field advantage in the southeast…Building trust & serving clients for over 170 years Winning in Core Markets Strong Profitability/Returns Supported by: ☑ Low Cost Core Deposits ☑ Strong Brand ☑ Loyal Customer Base ☑ Employer / Bank of Choice Unempl
Slide 6: Deposit Advantage Key to Franchise Value
Deposit Advantage Key to Franchise Value 5 Year Deposit Growth vs Current Deposit Costs(1) FY24 Total Deposit Cost vs Peers(1) 40% RF Avg. Total Deposit Growth 30% Above industry Peer Median 2.63% median growth w/ 2.47% 2.30% 2.29% 2.26% 2.23% 2.19% meaningfully lower 2.07% 20% 2.03% 2.00% 2.02% 1.9
Slide 7: Building on Our Success
Building on Our Success Strategic investments in high-growth markets driving market leading deposit growth Continuing to Invest in Priority Markets Maximizing Growth Opportunities Building on success with incremental investments supporting Priority Market Growth Opportunities(1) (3) growth while mai
Slide 8: Investing in People, Enabled with Technology in Markets with Highest Opportunity
Investing in People, Enabled with Technology in Markets with Highest Opportunity Investing in Banker Expansion Investments in Technology Over the next 3 years, will invest in Talent across the Footprint ☐ Core Modernization in key areas of opportunity: By hiring and converting skilled Bankers with l
Slide 9: Appendix
Appendix
Slide 10: Non-GAAP Reconciliation
Non-GAAP Reconciliation Return on Average Tangible Common Shareholders' Equity Year Ended ($ amounts in millions) 2024 2023 RETURN ON AVERAGE TANGIBLE COMMON SHAREHOLDERS' EQUITY Net income available to common shareholders (GAAP) A $ 1,774 $ 1,976 Average shareholders' equity (GAAP) $ 17,484 $ 16,52
Slide 11: Non-GAAP Reconciliation
Non-GAAP Reconciliation Return on Average Tangible Common Shareholders' Equity Year Ended ($ amounts in millions) 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 RETURN ON AVERAGE TANGIBLE COMMON SHAREHOLDERS' EQUITY Net income available to common shareholders A $ 1,774 $ 1,976 $ 2,146 $ 2,400 $ 9
Slide 12: Forward-Looking Statements
Forward-Looking Statements 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,” “objectiv
Slide 13: Forward-Looking Statements
Forward-Looking Statements • Our inability to develop and gain acceptance from current and prospective customers for new products and services and the enhancement of existing products and services to meet customers’ needs and respond to emerging technological trends in a timely manner could have a n
Slide 14: Forward-Looking Statements
Forward-Looking Statements • Our ability to comply with stress testing and capital planning requirements (as part of the CCAR process or otherwise) may continue to require a significant investment of our managerial resources due to the importance of such tests and requirements. • Our ability to comp
Slide 15: Slide 15
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