Regions Financial : 2025 Morgan Stanley U.S. Financials Conference Morgan Stanley U.S. Financials Conference Presentation

Published: 2025-06-10 09:25:09 ET RF

Published on 06/10/2025 at 09:25

0 R U J D Q 6 W D Q O H

8 6 ) L Q D Q F L D O V & R Q I H U H Q F H

- X Q H

GE N ERATI NG

Consistent

m Performance

Longstanding Strategic Priorities

Soundness

Relentless focus on:

Credit Risk Management

Interest Rate Risk Management

Capital and Liquidity Management

Operational & Compliance Risk Management

Profitability Growth

Top quartile organic loan &

Committed to:

Diversified Revenue Streams

Appropriate Risk Adjusted Returns

Disciplined Expense Management

deposit growth over the last 5 yrs vs. peers(1)

Leverage superior growth of the core footprint: 3.5% projected population growth; Top 3 among peer group(2)

Non-bank M&A, expanding products and capabilities

Talent, technology, products & services, driving organic growth

Generating Consistent Sustainable Long-term Performance

(1) Source: S&P Cap IQ and SEC Reporting. Avg loan and deposit balance changes from FY19 to FY24. Peer balances have been adjusted for merger & acquisition activity: CFG, FHN, FITB, HBAN, HWC, MTB, PNC, 2

SNV, TFC, USB. Other peers include CMA, KEY, ZION. (2) Source: S&P Cap IQ.

Capital Strength

8.38%

7.97%

8.23%

9.00%

8.93%

8.72%

9.33%

9.32%

1.8%

1.6%

1.8%

2.4%

2.6%

2.2%

2.6%

3.3%

6.70%

4.1%

Soundness: Robust capital balances and strong organic capital generation position Regions well for full range of potential economic conditions

Capital Resiliency

Prudent risk management evident in Federal Reserve's stress testing results

2024 CCAR Capital Degradation(1)

2.5%

Pro Forma Post-Stress Capital(2)

10.80% 10.57% 10.63% 11.68% 10.52% 10.53% 10.80% 11.92% 11.53%

1.8%

Peer Median RF

Peer 1 Peer 2 Peer 3 Peer 4 Peer 5 Peer 6 RF Peer 7 Peer 8

Proactive Interest Rate Hedging

Hedge program introduced in 2018 to protect NIM against falling interest rates was highly effective

Actions taken in 2022 and beyond to protect NIM if rates decrease now fully active

Stable organic capital generation is a strong first line of defense against losses

Pre-Tax Pre-Provision Income Coverage of Stressed Losses(3)

52.0%

53.8%

59.4%

63.1%

66.5%

37.4%

70.5% 71.8% 75.9%

Peer 1 Peer 4 Peer 7 Peer 2 Peer 8 Peer 3 Peer 6 Peer 5 RF

3

(1) CET1 degradation results from the Federal Reserve's modeled results for the Severely Adverse Scenario in 2024 Stress Test. (2) Pro forma Post-Stress Capital calculated using 4Q24 reported CET1 and the Federal Reserve's modeled capital degradation in 2024 Stress Test. (3) PPI Coverage of Stressed Losses is calculated as the Federal Reserve's modeled 9-quarter PPI divided by 9-quarter Provision Expense in the 2024 Stress Test. Peers include CCAR participants: CFG, FITB, HBAN, KEY, MTB, PNC, TFC, USB. Source: 2024 Federal Reserve Stress Test Results - June 2024; FR Y-9C

Leading with Consistently Strong Growth Metrics

Peer Leading ROATCE(1)For 4 Straight Years

Rank: 1

17.6%

14.9%

21.4%

24.1%

Rank: 1

19.3%

21.9%

Rank: 1

16.4%

Rank: 1

Rank: 1

17.8% 17.7%

13.4%

12.0% 11.0% 12.0% 17.0% 14.7%

9.0% 9.7% 11.0%

9.2%

16.5%

14.3%

2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1Q25

RF

8% 7% 5%

4% 1%

5 Year EPS CAGR (2)

(3)%

-% (1)% (1)% (2)%

(4)%

Peer 1

Peer 2

RF

Peer 3

Peer 4

Peer 5

Peer 6

Peer 7

Peer 8

Peer 9

Peer 10

Peer 11

Peer 3

Peer 2

RF

Peer 9

Peer 4

Peer 10

Peer 7

Peer 1

Peer 6

Peer 11

Peer 5

Peer 8

(9)%

11% 10%

10 Year EPS CAGR (2)

9%

9%

7%

7%

7%

7%

5%

5%

4%

2%

(1) Non-GAAP; see Appendix for RF reconciliation. Peers' source is S&P Cap IQ and includes CFG, CMA, FHN, FITB, HBAN, HWC, KEY, MTB, PNC, SNV, TFC, USB, ZION. (2) As of 12/31/2024 4

Total Shareholder Return

19% 17%

11% 9% 8% 7% 4%

3% Peer Median: 3%

223% 221%

210%

197% 193%

175%

157%

132%

121% 121%

104%

98%

68%

52%

(8)% (8)%

(15)% (15)% (16)%

RF

Peer 6

Peer 7

RF

Peer 1

(24)%

Peer 1

Peer 2

Peer 3

Peer 4

Peer 5

Peer 8

Peer 9

Peer 10

Peer 11

Peer 12

Peer 13

Peer 4

Peer 7

Peer 3

Peer 8

Peer 6

Peer 13

Peer 11

Peer 5

Peer 2

Peer 12

Peer 10

Peer 9

224%

193%

157%

142%

138%

132%

129%

103% 90% 88% 86%

67%

55%

37%

RF

Peer 7

Peer 5

Peer 6

Peer 11

Peer 3

Peer 4

Peer 1

Peer 13

Peer 8

Peer 2

Peer 12

Peer 10

Peer 9

As of 3/31/2025. Peers include CFG, CMA, FHN, FITB, HBAN, HWC, KEY, MTB, PNC, SNV, TFC, USB, ZION. 5

Disclaimer

Regions Financial Corporation published this content on June 10, 2025, and is solely responsible for the information contained herein. Distributed via Public Technologies (PUBT), unedited and unaltered, on June 10, 2025 at 13:24 UTC.