Regions Financial Corporation · NYSE:RF
Regions Financial — Investor Presentation (February 2026)
85 slides from Regions Financial's investor presentation, February 2026
Slide 1: Investor Information
Exhibit 99.1 Investor Information February - March Internal Use
Slide 2: Table of Contents
Table of Contents Topic Page # Profile and Strategy 3-12 Asset / Liability Management 13-24 Fees & Expenses 25-32 Business Segment Highlights 33-38 Loans & Deposits 39-51 Capital, Debt & Liquidity 52-57 Investments in Tech, Digital, & Ops 58-61 Credit 62-68 Near-Term Expectations 69 Appendix & Forwa
Slide 3: Longstanding Strategic Priorities
Longstanding Strategic Priorities Soundness Profitability Growth Relentless focus on: Committed to: Strategically Investing in: • Client selectivity • Diversified Revenue Streams • Above median organic loan & deposit growth over the last 5 yrs vs. peers(1) • Credit Risk Management • Appropriate Risk
Slide 4: Attractive Footprint and Strong Brand Presence
Attractive Footprint and Strong Brand Presence Home field advantage in the southeast Strong Profitability/Returns Supported by: Winning in Core Markets Building trust & serving clients for over 170 years ☑ Low Cost Core Deposits ☑ Strong Brand ☑ Loyal Customer Base ☑ Employer / Bank of Choice Strong
Slide 5: Building on Our Success
Building on Our Success Strategic investments in priority markets driving deposit expansion Continuing to Invest in Priority Maximizing Growth Opportunities Markets(2) Priority Market Growth Opportunities(1) Building on success with incremental investments supporting (3) growth while maintaining adv
Slide 6: Investing in People and Technology
Investing in People and Technology Expanding talent and capabilities in markets with greatest opportunity Investing in Banker Expansion Investments in Technology 3-Year Associate Impact Personalization Powered by AI • Hiring ~170 incremental bankers across Middle Market, Small ☑ CashFlowIQ ☑ CashFlo
Slide 7: Regions Honored for Extraordinary Excellence in 2025
Regions Honored for Extraordinary Excellence in 2025 In 2025, Regions Bank was named a Gallup Regions recognized as a gold winner of the Regions is proud to be rated No. 1 in customer Exceptional Workplace Award Winner for 2025 Datos Impact Award for best innovation satisfaction among traditional ba
Slide 8: Regions' Consistent Outperformance
Regions' Consistent Outperformance Sustained advantage in risk efficiency Regions' earnings, including credit costs, have been top quartile vs peers since 2019 Adjusted PPI(1) Less Net Charge-offs to RWA(2) 2.30% 2.47% 2.31% 2.19% 2.09% 1.96% 1.99% 1.96% 1.86% 1.86% 1.97% 1.78% 1.73% 1.64% 2019 2020
Slide 9: Leading with Consistently Strong Growth Metrics
Leading with Consistently Strong Growth Metrics Supports a higher P/E multiple Peer Leading ROATCE(1) For 5 Straight Years Rank: 1 Rank: 1 Rank: 1 24.1% 21.4% 21.9% Rank: 1 Rank: 1 17.6% 17.8% 18.2% 14.9% 18.5% 12.4% 17.1% 16.3% 15.4% 15.2% 9.6% 9.5% 14.4% 9.2% 14.3% 9.0% 9.7% 11.0% 8.4% 2015 2016 2
Slide 10: Total Shareholder Return
Total Shareholder Return Strong track record of Shareholder Returns 3 Year Total Shareholder Return 5 Year Total Shareholder Return 70% 61% 123% 114% 54% 52% 105% 104% 102% 50% 49% 96% 44% 44% Peer Median: 44% 86% 85% Peer Median: 85% 41% 41% 40% 35% 34% 72% 68% 60% 60% 42% 30% 9% 4 10 2 10 3 9 RF 6
Slide 11: Above Median Organic Loan and Deposit Growth
Above Median Organic Loan and Deposit Growth Consistent, disciplined growth 5 Yr Loan Growth excl. Bank M&A 14% 10% 10% 10% 9% 6% 5% Peer Median: 3% 3% 3% 2% 2% (2)% (2)% (5)% 3 11 6 2 10 5 1 9 4 13 8 RF 12 7 er er er er er er er er er er er er er Pe Pe Pe Pe Pe Pe Pe Pe Pe Pe Pe Pe Pe 5 Yr Deposit
Slide 12: 2025 Overview
2025 Overview Continue to deliver consistent, sustainable long-term performance Key Performance Metrics 4Q25 FY25 Highlights Reported Adjusted(1) Reported Adjusted(1) • Consistently generating top-quartile returns in our peer group(2) Net Income Available to Common Shareholders $514M $504M $2,061M $
Slide 13: NII & Margin Performance
NII & Margin Performance Well protected balance sheet with growth from balance sheet repricing FTE NII and NIM ($ in millions) $1,243 $1,269 $1,294 4Q NII and NIM Drivers • NII increased 2% QoQ; NIM increased 11bps to 3.70% 3.70% 3.55% 3.59% • New production fixed-rate asset yields continue to benef
Slide 14: 2026 NII Expected Range and Assumptions
2026 NII(1) Expected Range and Assumptions NII expected to grow in 2026 under a wide range of possible outcomes Expectation: Full-year 2026 NII to grow between 2.5 – 4%, with fixed-rate asset Net Interest Income Trend ($M) turnover, funding cost management, and loan growth as the primary drivers Ant
Slide 15: NII Positioning for Changing Rate Environment
NII Positioning for Changing Rate Environment Mostly "neutral" interest rate risk position protected from fed funds cuts; reduced long-end rate sensitivity Sensitivity to short-term rates Sensitivity to middle/long-term rates Floating Rate Balance Sheet Exposure(1) ($B) Future NII Benefit from Fixed
Slide 16: Balance Sheet Profile
Balance Sheet Profile (As of December 31, 2025) Portfolio Compositions Assets(1) Loans(2)(3) • Balance sheet position naturally benefits from Fixed Hedges higher interest rates (i.e. asset sensitive), 23% Other supported by 14% Cash ◦ Large floating rate loan mix 5% Floating $160B Loans $96B 32% ◦ L
Slide 17: Balance Sheet Positioning Advantage
Balance Sheet Positioning Advantage Strong deposit franchise and funding position provide an opportunity for flexibility and margin outperformance in an evolving rate environment Loan-to-Deposit Ratio Total Liability Cost (%) 95% 87% 85% 83% 83% 82% 81% Peer Median: 81% 78% 78% 2.33 Peer Median: 2.0
Slide 18: Interest-Bearing Deposit Pricing
Interest-Bearing Deposit Pricing Interest-bearing Deposit Cost vs. Peers(1) CD Maturities (as of 12/31/2025)(2) 5.50% 6.00% 3.5% Int-Bearing Deposit Rates 5.00% 4.50% 3.4% 4.00% 2.94% 4.02% 2.50% 2.46% 2.8% 2.8% 3.00% $4.8 $5.1 2.00% 2.28% 1.03% 1.85% 2.34% 1.00% 1.99% $1.7 $0.4 —% 0.82% 1Q26 2Q26 3
Slide 19: Interest-Bearing Deposit Mix
Interest-Bearing Deposit Mix Composition of deposit book affords ability to maintain cost advantage if rates continue to decline; When combined with hedges, creates a well protected margin Interest-bearing Deposits: $91.6B % of 4Q25 Ending Interest-Bearing Deposits (labels represent % of IB Deposits
Slide 20: Deposit Advantage Key to Franchise Value
Deposit Advantage Key to Franchise Value Above median deposit growth & disciplined pricing 5 Year Deposit Growth vs Current Deposit Costs(1) Net Interest Margin vs. Peers(1) 20% 3.90% RF Peer Median 3.61% 3.54% Avg. Total Deposit Growth 10% 3.36% 3.21% 3.12% 2.85% 3.06% 3.06% —% 3.00% 2.89% 2.72% (1
Slide 21: Net Interest Margin History
Net Interest Margin History Generating consistent, sustainable, long-term performance Learned lesson from outsized credit and rate exposure in GFC; have used hedges to achieve NIM protection and outperform peers Net Interest Margin (NIM)1 Through the Interest Rate Cycle Rising Rates Pandemic Maintai
Slide 22: Hedging Strategy Update
Hedging Strategy Update Mostly "neutral" rate risk position protects margin & decreases capital volatility Asset Hedge Notional Receive-Fixed, Cash Flow Swaps - (Quarterly Avg) (Annual Avg) Loans Pay-Fixed, Fair Value Swaps - AFS Securities Net Asset Swap Position(2) Cash Flow Collars - Loans(3) as
Slide 23: Securities Portfolio
Securities Portfolio Provides downside rate protection/liquidity • Portfolio constructed to protect against changes in market rates Securities Portfolio Composition(1) Corp Bonds ◦ Duration of ~3.9 years (AFS ~3.5 years) as of 12/31/2025; provides HTM, 17% Agency CMBS 1% Agency/UST offset to long-du
Slide 24: Securities Portfolio - AOCI Management
Securities Portfolio - AOCI Management Positioned to manage level/exposure lower over time • AOCI associated with unrealized securities gains/ losses is expected to be included Adj. AOCI in CET1 as % of Risk Weighted Assets(2) as a part of CET1 once B3E rules are finalized (with phase in) 09/30/2025
Slide 25: Non-Interest Income
Non-Interest Income Non-Interest Income Adj. Non-Interest Income(1) QoQ Highlights & Outlook ($ in millions) ($ in millions) $659 $684 • NIR decreased 3% on a reported basis and 6% on an $640 $615 $640 $585 adjusted basis,(1) reflecting quarter-specific impacts across several categories • Service ch
Slide 26: Track Record of Expanding Fee-Based Services
Track Record of Expanding Fee-Based Services Adjusted Non-Interest Income(1) Proven Non-Interest Income Resiliency ($ in millions) Diversified revenue growth through expanded $2,585 fee-based services $2,001 Capital Markets • Since re-launch of products in 2014, expanded the business through: ◦ Orga
Slide 27: Capital Markets
Capital Markets Growing products & services that our clients value Capital Markets Product Solutions Capital Markets Annual Revenue (Ex. CVA/DVA)(1) $354 $350 $323 $303 $263 $272 $201 $188 Mergers & Acquisitions Real Estate $151 $159 $101 • M&A Advisory Services • Multi-family loan origination $65 &
Slide 28: Treasury Management
Treasury Management Clients optimize cash flow and manage risk with Treasury Management solutions Steadily Growing our Treasury Management Business +6% Treasury Management Revenue(1) +5% Portfolio of Treasury Management Clients(2) Continually Investing in Technology +15% Digital, Payment & Integrate
Slide 29: Wealth Management
Wealth Management Specialized expertise and tailored investment guidance to manage and grow wealth Wealth Management NIR(1) ($ in millions) Growing our Wealth Management Business(2) 9.1% CAGR +8% Total Client Assets(3) $544 $419 $451 $495 +8% Total WM Relationships(4) $382 $182 $322 $337 $138 $157 $
Slide 30: Mortgage
Mortgage Remains a key component of fee revenue Mortgage Income ($ in millions) Strong Performance • Mortgage Income: $158M FY25; $146M FY24 $333 • Portfolio 757 Avg. FICO | 53% current LTV • $402K Avg. New Loan Size • Production exceeds market in percentage of purchase production volume at 72% in 4
Slide 31: Non-Interest Expense
Non-Interest Expense Non-Interest Expense Adj. Non-Interest Expense(1) ($ in millions) ($ in millions) $1,038 $1,103 $1,098 $1,029 $1,111 $1,112 QoQ Highlights & Outlook $— $22 • NIE remained stable on a reported basis and on an adjusted(1) basis 56.9% 57.5% 56.8% 57.2% 56.8% 55.4% • Salaries & bene
Slide 32: Efficiency Ratio vs. Peers
Efficiency Ratio vs. Peers 4Q25 Efficiency Ratio vs. Peers FY 2025 Efficiency Ratio vs. Peers 68.7% 69.1% 64.4% 63.0% 63.4% 62.3% 62.7% 62.6% 60.9% 59.8% 59.8% 59.0% 58.5% 58.3% 57.2% 56.8% 56.9% 57.1% 56.3% 56.4% 56.0% 56.4% 55.7% 54.8% 54.9% 54.6% 52.3% 51.6% Peer 1 Peer 2 Peer 3 Peer 4 Peer 5 Pee
Slide 33: Diversified Lines of Businesses
Diversified Lines of Businesses Consumer Bank Corporate Bank Wealth Management • Retail Banking Services • Commercial ◦ Deposit • Corporate & Institutional • Private Wealth Investment Management, ◦ Debit & Credit Card ◦ Corporate Banking & Trust Services ◦ Home Equity ◦ Real Estate ◦ Secured & Unsec
Slide 34: Consumer Bank
Consumer Bank High Performing, Proven Consumer Business Creating Value for Customers and Shareholders 9,436 1,247 1,786 How our model wins Associates Branches ATMs 1 Primacy-based acquisition 2 Industry leading service across strategy leads to granular, low cost channels delivers long tenured deposi
Slide 35: Consumer Banking Group
Consumer Banking Group Driving growth and customer engagement through strategic investments Continuing to Deliver Delivering Solid Customer Strategic Investments Strong Results Satisfaction & Loyalty Across The Business 3rd highest revenue year in history including Regions Bank is the highest-rated
Slide 36: Corporate Banking Group
Corporate Banking Group A diversified engine for growth and long-term performance 64,458 2,761 170 How our model wins and differentiates us Client Relationships (1) Associates (1) Local Offices Out-Local National Banks Clients Coverage Commercial Banking (2) Local and Dedicated Relationship Our stra
Slide 37: Corporate Banking Group
Corporate Banking Group Driving continued long-term performance for our clients & our shareholders Soundness Profitability Growth Active credit risk and portfolio management Record Revenue increased 4% vs prior year, driven Delivering full cash conversion and balance-sheet remains a top priority by
Slide 38: Wealth Management Group
Wealth Management Group Focus on execution & investments to optimize the client and associate experience Customer Experience & Strategic Investments & Delivered Strong Results Communication Data Analytics Regions Investment Management awarded 2025 Best Place to Work Driving Innovation Through AI wit
Slide 39: Loans
Loans Momentum building as headwinds ease Average Loans & Leases ($ in billions) QoQ Highlights & Outlook $96.4 $96.6 $95.7 • Avg and ending loans were relatively stable • Avg business loans decreased 1%, while average consumer loans $33.2 $32.8 $32.6 decreased 0.4% • Throughout 2025, modestly impro
Slide 40: 4Q25 Average Loan Composition
4Q25 Average Loan Composition Average Consumer Loans Average Business Loans ($ in billions) ($ in billions) $1.9 $1.5 $7.2 $5.8 $0.3 $4.9 $32.6B $63.0B $5.5 $19.8 $48.7 Mortgage Home Equity Other Consumer Consumer Credit Card Commercial and Industrial CRE Mortgage - OO CRE Construction - OO IRE - Mo
Slide 41: Consumer Lending Portfolio
Consumer Lending Portfolio Consumer FICO Scores(1) • Consumer Credit Card Home Equity • Avg. origination FICO 774 • Avg. origination FICO 761 2% 3% 2% • Avg. new line $9,604 • Current LTV 38% • 4Q25 Yield 14.06% • 57% of portfolio is 1st lien • 4Q25 QTD NCO 4.08% • Avg. loan size $35,724 67% 78% 81%
Slide 42: Ascentium & Home Improvement Financing
Ascentium & Home Improvement Financing 4Q25 Ascentium Capital Home Improvement Financing 4Q Average Balances $2.7B $4.9B 4Q Portfolio Yield 8.5% 7.8% 4Q Going-on Yield 9.3% 9.1% 4Q NCOs 1.70% 1.76% Ascentium Capital(1) Home Improvement Financing(2) Origination Growth Credit • Since acquisition, Asce
Slide 43: Highly Diversified Business Portfolio
Highly Diversified Business Portfolio (Outstanding balances as of December 31, 2025) Healthcare All Other Commercial 4.9% 3.6% Distribution 7.2% Investor Real Estate 14.5% Business Services 7.4% Utilities 3.7% Agriculture .3% Energy 2.2% $63.0B(1) Financial Services 13.5% Manufacturing 7.8% (2) Tech
Slide 44: NDFI - Stable Composition and Solid Credit Quality
NDFI - Stable Composition and Solid Credit Quality Diversified, investment-grade portfolio aligned with Regions' core markets and industries (4) Outstanding by Call Report Category ($ Millions) Call Report to Internal Reconciliation ($ Billions) Key Portfolio Metrics(1) $11,912 $11.9 824 $4.4 Balanc
Slide 45: Commercial Real Estate
Commercial Real Estate (Outstanding balances as of December 31, 2025) Highly Diversified Portfolio Key Portfolio Metrics REITs within Total: (IRE including Unsecured CRE) • Unsecured loans for RE purposes generally have low Data Center Diversified leverage, with strong access to liquidity 10% 16% Ot
Slide 46: CRE - Office Portfolio
CRE- Office Portfolio (Outstanding balances as of December 31, 2025) Key Portfolio Metrics(1) Investor Real Estate Office Portfolio Overview Balances $1,020 % of Total Loans 1.1% 19% 21% NPL $117 49% 51% 81% 79% NPL / Loans 11.4% Charge-offs $54 Class A Class B Multi-Tenant Single Tenant Suburban Ur
Slide 47: Transportation - Trucking
Transportation - Trucking (Outstanding balances as of December 31, 2025) Key Portfolio Metrics(1) Ongoing Portfolio Surveillance Balances $1,200 • While the economic backdrop generally favors the trucking sector, trade uncertainty is still muting demand as manufacturers and shippers take a wait and
Slide 48: Deposits
Deposits Disciplined deposit growth with improving mix and costs Average Deposits by Segment ($ in billions) $126.5 $129.6 $2.9 $129.9 $2.4 QoQ Highlights & Outlook $3.1 $7.5 $7.3 $7.8 $37.4 $39.7 $40.2 • Ending balances increased 0.6%, supported by 1.47% strong client acquisition and retention 1.39
Slide 49: Checking Balances & Spending Levels
Checking Balances & Spending Levels Balances and Avg Monthly Consumer & Ratio of Consumer & Wealth Checking Balances Wealth Spending vs. 2019(1) to Monthly Spending(1) 60% 2.0x % Change vs. 2019 40% 1.7x 1.7x 1.6x 1.6x 20% —% 2019 Average 4Q22 4Q25 2019 Average 4Q22 4Q23 4Q24 4Q25 Change in Checking
Slide 50: Diversified Deposit Base
Diversified Deposit Base Insured/Uninsured Deposit Mix(1)(2) Retail Uninsured $8.3 Other $0.1 • ~71% of Total Deposits are covered by FDIC insurance or Wholesale Non-Operational Uninsured $12.9 are collateralized (Public Funds or Trust) Less Stable • No single depositor exceeds 1% of total deposits
Slide 51: Deposit Advantage
Deposit Advantage Well diversified deposit base vs. peers % of Total Deposits Balance in Accounts % of Total Deposits Insured By FDIC(1) Less than $250k(1) 69% 62% 59% 53% 53% 58% 57% 56% 50% 49% 48% 54% 54% 47% 46% 45% 51% 51% 51% 49% 49% 44% 42% 48% 41% 40% 40% 36% Peer RF Peer Peer Peer Peer Peer
Slide 52: Capital and Liquidity
Capital and Liquidity Managing capital flexibility to support growth and shareholder returns Tier 1 Capital Ratio(1) 12.2% 12.0% 11.9% QoQ Highlights & Outlook 4Q24 3Q25 4Q25 • Declared 4Q common dividends of $230M and executed $425M in share repurchases Common Equity Tier 1 Ratio(1) • Dividend payo
Slide 53: CET1 Under Basel III Endgame (B3E)
CET1 Under Basel III Endgame (B3E) B3E Update Volatility Management • B3E has yet to be finalized but expect AOCI to be included in Regulatory • To date, have taken meaningful action to reduce capital volatility from AOCI Capital ◦ $5.7B Pay Fixed Fair Value swaps vs AFS securities (mostly offset wi
Slide 54: Capital Strength
Capital Strength Robust capital balances and strong organic capital generation position Regions well for full range of potential economic conditions Capital Resiliency Pro Forma Post-Stress Capital(2) • Prudent risk management evident in Federal Reserve's stress testing results 11.68% 11.92% 11.53%
Slide 55: Tangible Book Value Growth plus Dividends
Tangible Book Value Growth plus Dividends 3 and 5 yr CAGR excluding AOCI 3 Yr CAGR of TBV + Dividends 5 Yr CAGR of TBV + Dividends Peer 1 19.6% RF 18.4% Peer 2 19.4% Peer 8 18.3% Peer 3 16.8% Peer 1 17.3% RF 15.5% Peer 2 16.4% Peer 4 15.2% Peer 7 16.0% Peer 5 14.9% Peer 11 15.4% Peer 6 14.0% Peer 3
Slide 56: Driving Shareholder Value
Driving Shareholder Value Peer-leading dividend growth while actively managing share count 5 Yr Dividend Growth CAGR Post-Financial Crisis Maximum 4Q25 Shares Shares RF 11.3% Period Outstanding Outstanding Decline (MM) (MM)(1) Peer 1 10.8% RF 1Q13 1,423 880 (38.2)% Peer 2 8.2% Peer 11 4Q11 198 130 (
Slide 57: Tangible Common Equity
Tangible Common Equity • Higher levels of interest rates are generally beneficial to Regions through expansion in net interest margin and deposit value ◦ However, higher rates also result in unrealized losses within our securities and cash flow hedging portfolios which act as a drag on our ratio of
Slide 58: Empowered by Data & Innovation
Empowered by Data & Innovation Regions remains competitive by reserving ~10-12% of revenue for technology spend Modernization and Innovation Next Gen Platforms AI-Driven Analytics Technology Practices / Modern Authentication Open Banking / Ways of Working Embedded Finance AI / ML Models that support
Slide 59: Core Modernization Benefits
Core Modernization Benefits Enhancing Strategic Capabilities ☑ Drive Growth Enable faster product and pricing deployment, enhance marketing through advanced analytics, and expand partnerships with leading financial service providers. ☑ Advance Strategic Focus Prioritize forward-looking initiatives i
Slide 60: Harnessing GenAI
Harnessing GenAI Foundational Building for Future Growth Generative AI Patterns & Drivers to Prioritize AI Use Active Generative AI Use Cases Blueprints Objective: Significant Value from GenAI GenAI Use Cases will be categorized by Compliance Assistance • Increase Efficiency Patterns and Blueprints
Slide 61: Growth in Digital
Growth in Digital Digital Usage Transactions Customer Satisfaction Consumer Checking Account Acquisitions Mobile App Mobile Banking Active Users (Millions)(1) by Channel(4) Average 4.9 out +4% 2% 2% 1% of 5 rating from 2.62 2.68 2.56 75% 77% 70% iOS app store Digital users Branch Contact Center 23%
Slide 62: Continuous Improvement in Risk Management
Continuous Improvement in Risk Management Our commitment to strengthening credit risk disciplines and intentional portfolio shaping over the past decade-plus leaves us well positioned for sound, profitable growth Strong Origination Disciplines Aligned with Comprehensive Risk Framework Case Studies i
Slide 63: Historical Credit Profile
Historical Credit Profile Total Net Charge-Offs 2.00% 1.50% Average Pre-Pandemic Average Pandemic 0.46% 0.35% 1.00% 0.59% 0.50% —% 13 20 4Q 22 25 1Q 1Q 4Q Non-Performing Loans 2.50% 2.00% Average Pre-Pandemic Average Pandemic 1.07% 0.64% 1.50% 1.00% 0.73% 0.50% —% 13 20 22 25 1Q 1Q 4Q 4Q • The incre
Slide 64: Historical Credit Profile
Historical Credit Profile Commercial Net Charge-Offs(1) 1.00% Average Pre-Pandemic Average Pandemic 0.27% 0.25% 0.53% 0.50% —% 13 20 22 25 1Q 1Q 4Q 4Q Consumer Net Charge-Offs(2) 3.50% Average Pre-Pandemic Average Pandemic 3.00% 0.78% 0.53% 2.50% 2.00% 1.50% 1.00% 0.70% 0.50% —% 13 20 22 25 1Q 1Q 4Q
Slide 65: Asset Quality
Asset Quality Credit performance improving; metrics tracking favorably Net Charge-Offs(1) Non-Performing Loans (NPLs)(1) $135 $142 $119 $928 $758 $698 0.55% 0.59% 0.96% 0.49% 0.79% 0.73% 4Q24 3Q25 4Q25 4Q24 3Q25 4Q25 NCOs NCOs Ratio NPLs - excluding LHFS NPL/Loans Allowance for Credit Losses (ACL)(1
Slide 66: Allowance for Credit Losses
Allowance for Credit Losses ($ in millions) QoQ Highlights $10 • 4Q allowance decreased $27M compared to the prior $1,713 $1,686 quarter, resulting in a $115M provision expense and a $(21) $(16) slight reduction in the ACL % from 1.78% to 1.76% • The change in ACL resulted from: ◦ Economic/Qualitati
Slide 67: Base R&S Economic Outlook
Base R&S Economic Outlook (As of December 2025) Pre-R&S period 4Q2025 1Q2026 2Q2026 3Q2026 4Q2026 1Q2027 2Q2027 3Q2027 4Q2027 Real GDP, annualized % change 0.3 % 2.9 % 2.0 % 2.2 % 2.0 % 2.1 % 1.9 % 2.1 % 2.0 % Unemployment rate 4.5 % 4.5 % 4.5 % 4.4 % 4.4 % 4.3 % 4.3 % 4.2 % 4.2 % HPI, year-over-yea
Slide 68: Allowance Allocation
Allowance Allocation Regions "Day 1" CECL ACL ratio on 1/1/2020 was 1.71%. The company has executed a number of de-risking strategies that have improved the overall loan portfolio. Taking the 4Q25 loan portfolio and applying the "Day 1" ACL rates would produce a proforma Day 1 ACL ratio of 1.64%. As
Slide 69: 2026 Expectations
2026 Expectations FY 2026 Expectations Net Interest Income up 2.5 – 4% (3) Expectations for 1Q26 & FY26(3) (vs. 2025 of $4,991) • 1Q26 NII to decline 1 – 2% vs 4Q25 Adjusted Non-Interest Income up 3 – 5%(2) (vs. adjusted 2025 total of $2,585)(1) • 1Q26 NIM in the ~3.70% increasing thereafter Adjuste
Slide 70: Appendix
Appendix Internal Use
Slide 71: Fourth Quarter 2025 Highlights
Fourth Quarter 2025 Highlights Summary of Fourth Quarter Results Selected Items Impact(2) QoQ YoY ($ amounts in millions, except per share data) 4Q25 Change Change (amounts in millions, except per share data) 4Q25 Net interest income $ 1,281 1.9% 4.1% Pre-tax additional selected items: Provision for
Slide 72: Non-GAAP Information
Non-GAAP Information Management uses pre-tax pre-provision income (non-GAAP), adjusted pre-tax pre-provision income (non-GAAP), the adjusted efficiency ratio (non-GAAP), the adjusted fee income ratio (non-GAAP), return on average tangible common shareholders' equity (non-GAAP), adjusted return on av
Slide 73: Non-GAAP Reconciliation
Non-GAAP Reconciliation Pre-Tax Pre-Provision Income (PPI) Less Charge-Offs to Risk-Weighted Assets Year Ended ($ amounts in millions) 2025 2024 2023 2022 2021 2020 2019 Net income available to common shareholders (GAAP) $ 2,061 $ 1,774 $ 1,976 $ 2,146 $ 2,400 $ 991 $ 1,503 Preferred dividends (GAAP
Slide 74: Non-GAAP Reconciliation
Non-GAAP reconciliation Return on Average Tangible Common Shareholders' Equity Year Ended ($ amounts in millions) 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 RETURN ON AVERAGE TANGIBLE COMMON SHAREHOLDERS' EQUITY Net income available to common shareholders A $ 2,061 $ 1,774 $ 1,976 $ 2,14
Slide 75: Non-GAAP Reconciliation
Non-GAAP Reconciliation Tangible Common Ratios As of and for Quarter Ended ($ amounts in millions, except per share data) 12/31/2025 9/30/2025 6/30/2025 3/31/2025 12/31/2024 TANGIBLE COMMON RATIOS Shareholders’ equity (GAAP) A $ 19,043 $ 19,049 $ 18,666 $ 18,530 $ 17,879 Less: Preferred stock (GAAP)
Slide 76: Non-GAAP Reconciliation
Non-GAAP Reconciliation Net Income Available to Common Shareholders, Adjusted Diluted EPS, and Return Ratios Quarter Ended Year Ended ($ amounts in millions) 12/31/2025 9/30/2025 6/30/2025 3/31/2025 12/31/2024 4Q25 vs. 3Q25 4Q25 vs. 4Q24 12/31/2025 Net income available to common shareholders (GAAP)
Slide 77: Non-GAAP Reconciliation
Non-GAAP Reconciliation Pre-Tax Pre-Provision Income (PPI) Quarter Ended Year Ended ($ amounts in millions) 12/31/2025 9/30/2025 6/30/2025 3/31/2025 12/31/2024 4Q25 vs. 3Q25 4Q25 vs. 4Q24 12/31/2025 Net income available to common shareholders (GAAP) $ 514 $ 548 $ 534 $ 465 $ 508 $ (34) (6.2)% $ 6 1.
Slide 78: Non-GAAP Reconciliation
Non-GAAP Reconciliation NII, Non-Interest Income/Expense, and Efficiency Ratio Quarter Ended Year Ended ($ amounts in millions) 12/31/2025 9/30/2025 6/30/2025 3/31/2025 12/31/2024 4Q25 vs. 3Q25 4Q25 vs. 4Q24 12/31/2025 Non-interest expense (GAAP) A $ 1,098 $ 1,103 $ 1,073 $ 1,039 $ 1,038 $ (5) (0.5)
Slide 79: Non-GAAP Reconciliation
Non-GAAP Reconciliation Non-Interest Income Year Ended ($ amounts in millions) 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 Non-interest income (GAAP) $ 2,535 $ 2,265 $ 2,256 $ 2,429 $ 2,524 $ 2,393 $ 2,116 $ 2,019 $ 1,962 $ 2,011 $ 1,937 $ 1,785 $ 2,096 $ 2,201 $ 2,226
Slide 80: Non-GAAP Reconciliation
Non-GAAP Reconciliation Non-Interest Expense Twelve Months Ended December 31 ($ amounts in millions) 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 Non-interest expense (GAAP) $ 4,313 $ 4,242 $ 4,416 $ 4,068 $ 3,747 $ 3,643 $ 3,489 $ 3,570 $ 3,491 $ 3,483 Adjustments: FDIC insurance special asses
Slide 81: Non-GAAP Reconciliation
Non-GAAP Reconciliation CET1- inclusive of AOCI(4) Quarter Ended ($ amounts in millions) 12/31/2025 9/30/2025 6/30/2025 3/31/2025 12/31/2024 CET1 RATIOS Common Equity Tier 1(1) A $ 13,490 $ 13,620 $ 13,533 $ 13,355 $ 13,434 Adjustments: AOCI gain (loss) on securities(2) (1,076) (1,241) (1,485) (1,64
Slide 82: Forward-Looking Statements
Forward-Looking Statements Forward-Looking Statements This presentation may include forward-looking statements as defined in the Private Securities Litigation Reform Act of 1995. In addition, the company, through its senior management, may from time to time make forward-looking public statements con
Slide 83: Forward-Looking Statements (continued)
Forward-Looking Statements (continued) • Our inability to develop and gain acceptance from current and prospective customers for new products and services and the enhancement of existing products and services to meet customers’ needs and respond to emerging technological trends in a timely manner co
Slide 84: Forward-Looking Statements (continued)
Forward-Looking Statements (continued) • Our ability to comply with stress testing and capital planning requirements (as part of the CCAR process or otherwise) may continue to require a significant investment of our managerial resources due to the importance of such tests and requirements. • Our abi
Slide 85: Internal Use
Internal Use
Regions Financial — Investor Presentation (February 2026) on 6ix