Regions Financial Corporation · NYSE:RF
Regions Financial — Morgan Stanley Financials Conference 2013
15 slides from Regions Financial's conference presentation, Jun 12, 2013
Slide 1: Morgan Stanley Financials Conference
Morgan Stanley Financials Conference June 12, 2013 David Turner Chief Financial Officer Exhibit 99.1
Slide 2: Stronger company today
Balance Sheet 1Q13 1Q11 Improvement Profitability Credit Risk Profile Capital and Liquidity Deposit Costs (1) 0.18% 0.59% 41 bps Total Funding Costs (1) 0.45% 0.86% 41 bps Time Deposits as % of Total Deposits 13% 24% 1,100 bps Low-Cost Deposits $81.9B $73.7B 11% Mortgage Revenue $72MM $45MM 60% Net
Slide 3: Total Loan Balances: Loan trends
Total Loan Balances (1) Loan trends ($ in millions) (1) Ending balances
Slide 4: Net Interest Margin vs. Peers
Net Interest Margin vs. Peers Net interest margin stable as peers decline Note: Peer banks include BBT, CMA, FHN, FITB, HBAN, KEY, MTB, PNC, STI, USB, WFC, ZION Source: SNL Financial
Slide 5: Deposit Balances and Deposit Costs
Deposit Balances (1) and Deposit Costs Deposit trends ($ in millions) (1) Average balances
Slide 6: Expense control – a culture, not a campaign
Non-Interest Expense (1) / Average Assets Non- Interest Expense (1) 1Q13 vs. 1Q12 % Change Expense control – a culture, not a campaign (1) 1Q13 Adjusted to exclude non-core items, ratios are annualized – See appendix for reconciliation Peer banks include: BBT, CMA, FHN, FITB, HBAN, KEY, MTB, PNC, ST
Slide 7: Continued asset quality improvement
Allowance for Loan Losses / Total Loans Net Charge-Offs and Ratio Continued asset quality improvement Significant credit leverage remains Note: Peer banks include BBT, CMA, FHN, FITB, HBAN, KEY, MTB, PNC, STI, USB, WFC, ZION Source: SNL Financial 46% decrease Y-O-Y
Slide 8: 1Q12 2Q12 3Q12 4Q12 1013 1Q@12 2Q12 Q12 4Q12 1013
87% 88% 88% 88% 88% oa 1Q12 2Q12 3Q12 4Q12 1013 1Q@12 2Q12 3Q12 4Q12 1013 “Regions ——Peer Median —@ Regions —*=Peer Median As REGIONS
Slide 9: Moving forward in 2013
Moving forward in 2013 • Through , maximize opportunities to deepen quality customer relationships • Grow households • Positioned for continued increases in loan production • Indirect auto portfolio • Commercial and Industrial • Credit card • Retention of 15-year fixed rate mortgages • Continue to l
Slide 10: As REGIONS
As REGIONS
Slide 11: Forward-looking statements
Forward-looking statements This presentation may include forward-looking statements which reflect Regions’ current views with respect to future events and financial performance. The Private Securities Litigation Reform Act of (“the Act”) provides a “safe harbor” for forward-looking statements which
Slide 12: 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 13: Non-GAAP reconciliation: non-interest income / expense, fee income and efficiency ratios
Non-GAAP reconciliation: non-interest income / expense, fee income ratios and efficiency ratios The table below presents computations of the efficiency ratio (non-GAAP), which is a measure of productivity, generally calculated as non-interest expense divided by total revenue. The table also shows th
Slide 14: Non-GAAP reconciliation: Basel III
Non-GAAP reconciliation: Basel III (1) Under Basel III, regulatory capital must be reduced by purchased credit card relationship intangible assets. These assets are partially allowed in Basel I capital. (2) Regions continues to develop systems and internal controls to precisely calculate risk-weight
Slide 15: Ma REGIONS
Ma REGIONS
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