Regions Financial Corporation · NYSE:RF

Regions Financial — Goldman Sachs U.S. Financial Services Conference 2015

19 slides from Regions Financial's conference presentation, Dec 8, 2015

1. Slide 1: Goldman Sachs U.S. Financial Services Conference

   ® ® Goldman Sachs U.S. Financial Services Conference December 9, 2015 David Turner, CFO Exhibit 99.1

2. Slide 2: Strategic initiatives – strengthen financial performance

   ® Strategic initiatives – strengthen financial performance 2 Effectively Deploy Capital  Disciplined organic growth  Return appropriate capital to shareholders  Use strategic investments to leverage our infrastructure and enhance revenue diversification Disciplined Expense Management  Generate p

3. Slide 3: Total Revenue

   ® Total Revenue 3 63% 37% Net Interest Income Non Interest Income Grow and Diversify Revenue Total Revenue(1) Mix – 2015 YTD $3.9B (1) Adjusted non-GAAP; see appendix for reconciliation

4. Slide 4: Favorable asset sensitivity position

   ® Favorable asset sensitivity position Positioned to win in any rate environment 4 Loan Mix(1) 59% 41% Variable Fixed (1) As of 3Q15  Naturally asset-sensitive balance sheet  Primarily core deposit funded  59% of loans have variable rates  Asset sensitive under a range of deposit stress scenario

5. Slide 5: Non-interest income

   ® Non-interest income 5 34% 21% 19% 9% 5% 12% Service charges Wealth Management Income Card and ATM fees Mortgage Income Capital Markets Other $1.4B Non-Interest Income(1) Mix – 2015 YTD (1) Adjusted non-GAAP; see appendix for reconciliation Grow and Diversify Revenue Summary of Non-Interest Income

6. Slide 6: Source of sustainable franchise value

   ® Source of sustainable franchise value Evidence that our investments are paying off 6 Non-Interest Income(1) Mix – 2015 YTD 2015  GreenSky  Fundation  Streamline of Credit  Financial Consultants  Insurance Acquisitions  M&A Advisory  Multifamily Debt Placements  Affordable Housing  Treasur

7. Slide 7: Expenses

   ® $3,666 $3,532 $3,471 $3,432 $3,358 $2,593 2010 2011 2012 2013 2014 2015 YTD Expenses 7 (1) Adjusted non-GAAP; see appendix for reconciliation Full Year Expenses(1) Disciplined Expense Management 54% 10% 9% 4% 3% 3% 3% 14% Salaries and Benefits Occupancy FF&E Outside Services Professional & Legal F

8. Slide 8: Disciplined Expense Management

   ® 8 2016 35-45% Elimination of core expenses of $300 million over the next 3 years Represents ~9% of 2015 adjusted expense base Restructuring Core Expense Base Disciplined Expense Management

9. Slide 9: Disciplined Expense Management: Committed to improve efficiencies

   ® 9 Disciplined Expense Management Committed to improve efficiencies  Hiring restrictions for non-customer facing positions started Oct 2015  Streamlining and automating processes to reduce personnel needs  Partially through staffing reductions and through attrition  Evaluate staffing models, sp

10. Slide 10: Strength of our capital position

    ® Strength of our capital position Industry leading common equity level 10 9.4% 9.6% 9.7% 10.0% 10.1% 10.1% 10.5% 10.6% 10.6% 10.7% 10.9% 11.0% 12.2% Peer #1 Peer #2 Peer #3 Peer #4 Peer #5 Peer #6 Peer #7 Peer #8 Peer #9 Peer #10 Peer #11 Regions Peer #12 Source: SNL Financial Peers include: BBT, C

11. Slide 11: Capital Priorities

    ® 11 Capital Priorities Effectively Deploy Capital Strategic InvestmentsDividends Share RepurchasesOrganic Growth

12. Slide 12: 2016 Expectations

    ® 2016 Expectations  Average Loan growth 3 – 5%  Average Deposit growth 2 – 4%  Net interest income up 2 – 4%(1)  Adjusted non-interest income up 4 – 6%  Adjusted expenses flat to up modestly: efficiency ratio <63%  Operating leverage of 2 – 4%(1)  Net charge-offs 25 – 35bps 12 (1) Interest r

13. Slide 13: Why Regions? – Building sustainable franchise value

    ® Why Regions? – Building sustainable franchise value 13 Effectively Deploy Capital Grow and Diversify Revenue Disciplined Expense Management Adjusted EPS growth of 12-15% (CAGR) Adjusted efficiency ratio of <60% Adjusted ROATCE 12-14% Three pillars of execution Long-term expected results How we wil

14. Slide 14: Appendix

    ® Appendix 14

15. Slide 15: Non–GAAP Reconciliation: Non-Interest Expense, Non-Interest Income and Revenue

    ® Non–GAAP Reconciliation: Non-Interest Expense, Non-Interest Income and Revenue Non-interest expense (GAAP) is presented excluding certain adjustments to arrive at adjusted non -interest expense (non-GAAP). Non-interest income (GAAP) is presented excluding certain adjustments to arrive at adjusted

16. Slide 16: Non–GAAP Reconciliation: Non-Interest Expense

    ® Non–GAAP Reconciliation: Non-Interest Expense Non-interest expense (GAAP) is presented excluding certain adjustments to arrive at adjusted non-interest expense (non-GAAP). Regions believes that the exclusion of these adjustments provides a meaningful base for period-to-period comparisons, which ma

17. Slide 17: Forward-looking statements

    ® 17 Forward-looking statements This presentation may include forward-looking statements, as defined in the Private Securities Litigation Reform Act of 1995, wh ich reflect Regions’ current views with respect to future events and financial performance. Forward-looking statements are not based on his

18. Slide 18: ® • Our ability to manage fluctuations in the value of assets and liabilities

    ® 18 • Our ability to manage fluctuations in the value of assets and liabilities and off -balance sheet exposure so as to maintain sufficient capital and liquidity to support our business. • Possible changes in consumer and business spending and saving habits and the related effect on our ability to

19. Slide 19: Regions

    A. REGIONS

Regions Financial — Goldman Sachs U.S. Financial Services Conference 2015 on 6ix