Regions Financial Corporation · NYSE:RF

Regions Financial — Lehman Brothers 2008 Global Financial Services Conference

15 slides from Regions Financial's conference presentation, Sep 9, 2008

  1. Slide 1: Lehman Brothers 2008 Global Financial Services Conference

    Lehman Brothers 2008 Global Financial Services Conference September 9, 2008 Exhibit 99.1

  2. Slide 2: Forward Looking Statements

    FORWARD LOOKING STATEMENTS The information contained in 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 1995 ("the Act") provides a safe harbor for f

  3. Slide 3: Franchise Footprint

    Franchise Footprint Source: SNL DataSource and Regions as of June 30, 2007. State Dep. ($B) Mkt. Share Rank AL $18.2 25% #1 FL 17.7 #4 TN 16.7 #2 LA 7.6 #3 MS 6.2 #1 GA 5.5 #6 AR 4.3 #2 TX 3.0 #18 IL 2.4 #24 MO 2.3 #8 IN 2.0 #9 Other 2.4 — —

  4. Slide 4: Regions compares favorably in local market share relative to top 10 banking franchises

    Regions compares favorably in terms of local market share relative to other top 10 banking franchises 18.5 Regions Deposit weighted by county. Excludes deposits from branches with > $10bn of deposits. Based on June 30, 2007 data. 16.6% Median 7.9 Citigroup 13.2 National City 14.3 SunTrust 16.0 JP Mo

  5. Slide 5: Morgan Keegan – Among the Largest Regional Full-Service Brokerage and Investment Banking Firms

    Office Locations Profile › 1,256 financial advisors › 378 offices in 19 states › $74 billion of customer assets › $77 billion of trust assets › $69 million assets per financial advisor Recognition › Ranked #1 underwriter of municipal bonds in the Southeast › #11 book-running manager in U.S. ($8.6 bi

  6. Slide 6: Morgan Keegan – Continued Growth with its Brokerage and Investment Banking Services

    Morgan Keegan – Continued Growth with its Brokerage and Investment Banking Services Revenue ($M) Pre-Tax Income ($M) Financial Performance Revenue Composition (2008) Private Client 26% Fixed Income Capital Markets 28% Equity Capital Markets 10% Regions MK Trust 17% Other 6% Asset Mgmt 15% $1,029 $1,

  7. Slide 7: Credit Quality Trends

    1.65% 0.53% 0.45% 0.27% 0.23% 0.86% 0.62% 0.62% 1.25% 0.90% 0.48% 0.37% 0.35% 0.22% 0.44% 0.00% 0.20% 0.40% 0.60% 0.80% 1.00% 1.20% 1.40% 1.60% 1.80% 2Q07 3Q07 4Q07 1Q08 2Q08 NPAs/Loans and OREO Net Charge-Offs/Average Loans Delinquent Loans (90+ Past Due) Credit Quality Trends

  8. Slide 8: Decline in Housing Market

    Source: US Census Bureau Reports Decline in Housing Market J07 F07 M07 A07 M07 J07 J07 A07 S07 O07 N07 D07 J08 F08 M08 A08 M08 J08 $200,000 $210,000 $220,000 $230,000 $240,000 $250,000 $260,000 $270,000 New Home Sales Median New Home Price

  9. Slide 9: Florida Housing declines by MSA

    Source: Florida Association of Realtors Florida Housing declines by MSA

  10. Slide 10: Residential Homebuilder Portfolio - $5.8 billion

    Residential Homebuilder Portfolio - $5.8 billion Geographic Breakdown Central consists of Alabama, Georgia, and South Carolina Midsouth consists of North Carolina, Virginia and Tennessee Midwest consists of Arkansas, Illinois, Indiana, Iowa, Kentucky, Missouri, and Texas Southwest consists of Louisi

  11. Slide 11: Residential Homebuilder Portfolio - $5.8 billion

    Residential Homebuilder Portfolio - $5.8 billion 5.5 6.5 7.5 4th Quarter 2007 1st Quarter 2008 2nd Quarter 2008

  12. Slide 12: Aggressive Condo Exposure Management

    $ in millions Aggressive Condo Exposure Management Reduction of 44% since the merger 1000 1200 1400 1600 1800 2000 2200 2400 Nov 06 (merger) 4Q06 1Q07 2Q07 3Q07 4Q07 1Q08 2Q08

  13. Slide 13: Example of a Home Equity 'Value'

    Example of a Home Equity ‘Value’ Charge-off If the first mortgage holder forecloses, there is no value left to satisfy our Home Equity loan. We must charge off our balance of $140,000. At Origination Today Appraised Value 1,000,000 $ 600,000 $ Less: First Mortgage 600,000 $ 600,000 $ Equity Remainin

  14. Slide 14: Home Equity Portfolio - $15.4 billion

    Florida – $5.4B All Other States - $10B NCO % 0.50 1.0 1.5 2.0 2.5 3.0 3.5 4.0 4.5 5.0 $1.9 1 st Lien 2 nd Lien $3.5 $4.5 1 st Lien 2 nd Lien $5.5 Note: Bar height represents charge-off percentage and width represents ending balances as of June 30, 2008. $ Balances (billions) Home Equity Portfolio -

  15. Slide 15: Regions

    VN REGIONS

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