Regions Financial Corporation · NYSE:RF
Regions Financial — Merger or Acquisition (June 2021)
7 slides from Regions Financial's merger presentation, Jun 8, 2021
Slide 1: Regions Bank to Acquire EnerBank USA a Point-of-Sale Home Improvement Loan Originator
Regions Bank to Acquire EnerBank USA a Point-of-Sale Home Improvement Loan Originator June 8, 2021 Exhibit 99.2
Slide 2: Company Overview: EnerBank USA Acquisition
2 Company Overview EnerBank USA Acquisition ▪ Headquartered in Salt Lake City, UT, EnerBank USA originates prime and super-prime home improvement point-of-sale loans through a national network of contractors ▪ A top 5 originator in the home improvement point-of-sale space, one of the fastest growing
Slide 3: Home Improvement Point-of-Sale Financing Deepens Regions' Commitment to Being the Premier Lender to Homeowners
3 Home improvement point-of-sale finance complements these investments, extends our suite of home-centric lending products and accelerates our vision to be the premier lender to homeowners EnerBank USA Acquisition Home Improvement Point-of-Sale Financing Deepens Regions' Commitment to Being the Prem
Slide 4: Proven Performance Through Cycles
4 '03 '04 '05 '06 '07 '08 '09 '10 '11 '12 '13 '14 '15 '16 '17 '18 '19 '20 '21 —% 2.00% 4.00% EnerBank USA Acquisition Proven Performance Through Cycles Historical NCOs as a % of Average Loans NCOs peaked at 2.19% during the 2008 Crisis Deferrals during COVID peaked around 2% (1) (1) 2021 is LTM as o
Slide 5: Preliminary Capital Impacts
5 EnerBank USA Acquisition Preliminary Capital Impacts Capital Deployment Priorities ▪ Regions has established a CET1 operating range of 9.25-9.75% with the intent of operating at approximately the midpoint of that range over the near-term ▪ The EnerBank acquisition is not expected to impact this op
Slide 6: Forward-Looking Statements
6 Forward-Looking Statements This release may include forward-looking statements as defined in the Private Securities Litigation Reform Act of 1995, which reflect Regions Financial’s current views with respect to future events and financial performance. The words “future,” “anticipates,” “assumes,”
Slide 7: GENERATING
> GENERATING Consistent Sustainable We ng-term Performance A REGIONS
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