Regions Financial (RF) investor relations material

Strategic priorities and growth

• Focus on soundness, profitability, and growth through disciplined risk management and diversified revenue streams.

• Strategic investments in talent, technology, and high-growth markets drive above-median organic loan and deposit growth.

• Priority markets show strong deposit growth and outpace national averages in population and economic expansion.

• Expansion of banker roles and technology initiatives, including AI-powered tools, enhance productivity and customer experience.

• Recognition for workplace excellence, customer satisfaction, and innovation underscores strong brand and operational culture.

Financial performance and shareholder returns

• Consistent top-quartile earnings and risk efficiency versus peers since 2019.

• Peer-leading EPS CAGR and total shareholder return over 3, 5, and 10 years.

• Above-median organic loan and deposit growth, with disciplined pricing and cost management.

• 1Q26 net income of $539M, 18.26% ROATCE, and efficiency ratio of 56.6%.

• Dividend payout target of 40-50% of earnings, with strong capital and liquidity positions.

Net interest income and margin management

• NII and NIM well protected by hedging and deposit cost management; 1Q26 NII down 2.6% QoQ, NIM at 3.67%.

• 2026 NII expected to grow 2.5-4%, with further margin expansion anticipated.

• Interest rate risk position is mostly neutral, with floating and fixed-rate exposures balanced by hedges.

• Deposit franchise enables flexibility and margin outperformance in changing rate environments.

• Deposit costs and betas remain among the lowest in the peer group.