Regions Financial Corporation · NYSE:RF
Regions Financial — 2012 Deutsche Bank Global Financial Services Investor Conference
8 slides from Regions Financial's conference presentation, May 21, 2012
Slide 1: 2012 Deutsche Bank Global Financial Services Investor Conference
Exhibit 99.1 2012 DEUTSCHE BANK GLOBAL FINANCIAL SERVICES INVESTOR CONFERENCE May 21, 2012 Grayson Hall Chief Executive Officer
Slide 2: Franchise Overview
FRANCHISE OVERVIEW Business Services Small and mid-sized C&I lending Commercial Real Estate Equipment Finance Consumer Services Ranked 4th or Better in Market Share Mortgage Direct Lending Targeted Growth Areas Home Equity Indirect Auto • Associates: 23,619 Credit Card • Assets: $128B • Loans: $77B
Slide 3: Regions' Footprint Is Characterized by High Market Share, High Growth Markets or Both
REGIONS’ FOOTPRINT IS CHARACTERIZED BY EITHER HIGH MARKET SHARE, HIGH GROWTH MARKETS OR BOTH ($ in billions) ’10-’15 Top 10 MSAs Deposits Market Share Market Rank Population Growth Weighted Average Deposit Market Share in Regions’ Core Markets Birmingham, AL $11.0 37.6% 1 Market Nashville, TN $6.6 1
Slide 4: A Quarter of Significant Accomplishment
A QUARTER OF SIGNIFICANT ACCOMPLISHMENT Key Milestones 1Q12 Results • No objection to Capital Plan • Closed Morgan Keegan Sale • Net income available to common shareholders of $145MM or $0.11 • Successful common equity offering per diluted share • Credit Ratings upgrade • Redeemed $3.5 billion of Se
Slide 5: Opportunity for Outperformance
OPPORTUNITY FOR OUTPERFORMANCE • Tangible opportunity to close peer margin gap REVENUE • Over $11 billion of deposit repricing in the next 4 quarters • Lower liquidity costs • Level of non-accruals • Continued momentum in C&I and Consumer lending • Real estate expertise intact • Durbin mitigation ef
Slide 6: Investment Thesis
INVESTMENT THESIS Aggressive risk management initiatives Improved Credit Profile Significant reduction in higher risk loan portfolios Continued improvement in credit quality me Continued growth in low cos e deposit base Strong Funding Profile Loan to deposit ratio well below historical and peer leve
Slide 7: 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 Refor Act of 1995 (“ the Act” ) provides a “ safe harbor” for forward-looking statements
Slide 8: Regions
REGIONS
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