Regions Financial Corporation · NYSE:RF
Regions Financial — Morgan Stanley Financials Conference 2015
13 slides from Regions Financial's conference presentation, Jun 8, 2015
Slide 1: Morgan Stanley Financials Conference
Morgan Stanley Financials Conference June 9, 2015 Grayson Hall President and CEO Exhibit 99.1
Slide 2: Strategic priorities for 2015
Grow and diversify revenue Committed to generating positive operating leverage over time Effectively deploy capital Strategic priorities for 2015 2
Slide 3: Grow and diversify revenue
Grow and diversify revenue 3 Note: Peer banks include BBT, CMA, FHN, FITB, HBAN, KEY, MTB, PNC, STI, USB, WFC, ZION Source: SNL Financial (1) Non-GAAP – See appendix for reconciliation (2) Total Wealth Management income presented above does not include the portion of service charges on deposit accou
Slide 4: Net interest margin and loan yields
Net interest margin and loan yields Net interest margin vs. peers 3.26% 3.18% 3.24% 2.93% 1Q14 2Q14 3Q14 4Q14 1Q15 Note: Peer banks include BBT, CMA, FHN, FITB, HBAN, KEY, MTB, PNC, STI, USB, WFC, ZION Source: SNL Financial Loan yield vs. peers 4 4.03% 3.86% 3.92% 3.69% 1Q14 2Q14 3Q14 4Q14 1Q15 Regi
Slide 5: Committed to generating positive operating leverage over time
Committed to generating positive operating leverage over time Adjusted non-interest expenses(1) ($ in millions) $3,666 $3,532 $3,471 $3,432 $3,358 2010 2011 2012 2013 2014 (1) Non-GAAP – See appendix for reconciliation Note: Peer banks include BBT, CMA, FHN, FITB, HBAN, KEY, MTB, PNC, STI, USB, WFC,
Slide 6: Effectively deploy capital
Effectively deploy capital Capital position is sufficient to support both strong organic growth and other strategic opportunities as well as the return of capital Deploy excess capital to grow products with the highest return on regulatory capital within our desired risk profile Support strong
Slide 7: Organic growth
Organic growth 7 $75.7 $76.5 $76.6 $77.3 $78.2 1Q14 2Q14 3Q14 4Q14 1Q15 Business Lending Consumer Lending Ending loan balances ($ in billions) Initiatives Business: Recruit, retain, develop and coach outstanding bankers Leverage local banking relationships with industry and product experts Lea
Slide 8: Capital return to shareholders
Capital return to shareholders 8 Dividends Share repurchases $0 $339 $256 $627 FY 2012 Actual FY 2013 Actual FY 2014 Actual FY 2015 Estimated* * 1Q15 actual was $102MM, projected 2Q15-4Q15 based on 2015 CCAR submission of $875MM, evenly spread over 5 quarters for this example, but are subject to mar
Slide 9: Appendix
Appendix Ms REGIONS
Slide 10: Non-GAAP reconciliation: Non-interest income/expense
10 Non-GAAP reconciliation: Non- interest income/expense NM – Not Meaningful (1) Regions recorded $100 million of contingent legal and regulatory accruals during the fourth quarter of 2014 related to previously disclosed matters. (2) Regions recorded a non-tax deductible regulatory charge of $58 mil
Slide 11: Non-GAAP reconciliation: Basel III common equity Tier 1 ratio
Non-GAAP reconciliation: Basel III common equity Tier 1 ratio – fully phased-in pro-forma The calculation of the fully phased-in pro-forma "Common equity Tier 1" (CET1) is based on Regions’ understanding of the Final Basel III requirements. For Regions, the Basel III framework became effective on a
Slide 12: 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
Slide 13: A REGIONS
A REGIONS REGIONS
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