Regions Financial Corporation · NYSE:RF
Regions Financial — Investor Presentation (November 2026)
85 slides from Regions Financial's investor presentation, Nov 4, 2026
Slide 1: Investor Information November - December
Internal Use Investor Information November - December Exhibit 99.1
Slide 2: Table of Contents
2 Topic Page # Profile and Strategy 3-14 Asset / Liability Management 15-24 Fees & Expenses 25-33 Business Segment Highlights 34-41 Loans & Deposits 42-53 Capital, Debt & Liquidity 54-59 Investments in Tech, Digital, & Ops 60-63 Credit 64-70 Near-Term Expectations 71 Appendix & Forward Looking State
Slide 3: Longstanding Strategic Priorities
3 Longstanding Strategic Priorities Committed to: • Diversified revenue streams • Disciplined capital allocation • Disciplined expense management • Positive operating leverage Profitability Strategically Investing in: • High-growth markets with above median organic loan & deposit growth vs. peers(1)
Slide 4: Strong Growth Profile
4 Strong Growth Profile Attractive Footprint and Strong Brand Presence Home field advantage in the southeast Regions HQ Retail Branch Footprint Specialized Lending Nationwide Winning in Core Markets Building trust & serving clients for over 170 years Strong Profitability/Returns Supported by: ☑ Low
Slide 5: Population Growth and Priority Markets
5 ‘27-‘32 Population Growth 2.20% 2.82% 4.93% US Regions Footprint Priority Markets Priority Market Growth Opportunities(1) 5.8% 4.0% 3.9% 2.2% 6.1% 7.8% 6.3% 6.8% Nashville Tampa Atlanta Miami/SFL Orlando Huntsville Dallas/FW Houston Building on Our Success Strategic investments in priority markets
Slide 6: Investing in Banker Expansion
6 Investing in Banker Expansion (1) As of 9/30/2026. Progress includes ~57% completion of incremental banker and revenue-enablement hires, with retail banker reskilling and reallocations largely complete. (2) Aug '23 to Aug '26. Investing in People and Technology Expanding talent and capabilities in
Slide 7: Above Median Organic Loan and Deposit Growth
7 Above Median Organic Loan and Deposit Growth Consistent, disciplined growth 5 Yr Loan Growth excl. Bank M&A 14% 14% 10% 10% 9% 6% 5% 3% 3% 2% 2% (1)% (2)% (5)% Peer 1 Peer 2 Peer 3 RF Peer 4 Peer 5 Peer 6 Peer 7 Peer 8 Peer 9 Peer 1 0 Peer 1 1 Peer 1 2 Peer 1 3 Source: S&P Cap IQ and SEC Reporting
Slide 8: Deposit Advantage Key to Franchise Value
8 Deposit Advantage Key to Franchise Value Above median deposit growth & disciplined pricing FY25 Total Deposit Cost (%) Av g. T ot al D ep os it Gr ow th 1% 2% (10)% —% 10% 20% RF Peer Median 5 Year Deposit Growth vs Current Deposit Costs(1) (1) Source: S&P Cap IQ and SEC Reporting. Avg deposit bal
Slide 9: Regions' Consistent Outperformance
9 Regions' Consistent Outperformance Sustained advantage in risk efficiency Adjusted PPI Less Net Charge-offs to RWA(1)(2) 1.96% 1.99% 2.30% 2.47% 2.31% 2.09% 2.19% 2.18% 2.32% 2.50% 1.97% 1.79% 1.89% 1.95% 1.92% 1.77% 1.83% 1.89% 2.01% 1.85% RF Peer Median 2019 2020 2021 2022 2023 2024 2025 1Q26 2Q
Slide 10: Leading ROATCE and EPS Growth
10 9.0% 9.7% 11.0% 17.6% 14.9% 9.2% 21.4% 24.1% 21.9% 17.8% 18.2% 18.3% 19.0% 21.3% 12.0% 10.3% 12.9% 16.0% 14.4% 8.4% 16.1% 18.1% 15.0% 14.4% 15.1% 13.3% 14.8% 15.1% RF Peer Median 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1Q26 2Q26 3Q26 (1) Non-GAAP; see Appendix for RF reconciliation
Slide 11: Total Shareholder Return
11 5 Year Total Shareholder Return 149% 75% 71% 67% 67% 55% 51% 44% 37% 23% 21% 20% 19% —% Peer 1 Peer 2 Peer 3 Peer 4 Peer 5 RF Peer 6 Peer 7 Peer 8 Peer 9 Peer 1 0 Peer 1 1 Peer 1 2 Peer 1 3 Total Shareholder Return Strong track record of Shareholder Returns 10 Year Total Shareholder Return 626% 2
Slide 12: Independent Recognition of Customer and Market Leadership
12 Independent Recognition of Customer and Market Leadership Top industry rankings highlight Regions’ ability to win with customers, build trust, and differentiate in key markets Regions ranked #1 in America’s Best Customer Service 2025 and is the most highly rated commercial bank by Newsweek. Regio
Slide 13: Driving Sustainable Performance Through People and Innovation
13 Driving Sustainable Performance Through People and Innovation Recognition for workplace excellence, innovation, and specialized expertise Regions Bank was again recognized as a Silver Status Military Friendly and Military Spouse Friendly Employer for 2026 In 2026, Regions Bank was again named a G
Slide 14: Third Quarter Overview
14 Highlights • Proven history of consistently generating best-in-class returns in our peer group(2) • Investing in talent, technology, products, and key markets to strengthen long-term competitiveness • Maintaining strong credit quality while actively managing risk • Record Capital Markets revenue
Slide 15: NII & Margin Performance
15 • 4Q26 NII expected to increase 1 – 2%(5) vs 3Q26, supported by higher rates, structural repricing, deposit cost discipline, balance sheet growth, and the seasonal HR asset dividend • 4Q26 NIM expected to be ~3.70% $1,277 $1,298 NII & Margin Performance Well protected NII & margin; growth from ba
Slide 16: NII Positioning in an Uncertain Rate Environment
16 $53 $8 $(19) $(7) $1 • Front-book/back-book tailwind - $12B to $14B of annual fixed-rate loan production and securities reinvestment at higher yields than those maturing is a primary driver of NII growth • Benefit from higher rates/steepening curve - maintain some asset sensitivity to middle/long
Slide 17: Balance Sheet Profile
17 • Balance sheet position naturally benefits from higher interest rates (i.e. asset sensitive), supported by ◦ Large floating rate loan mix ◦ Large, stable deposit base as evidenced over multiple rate cycles • Fixed-rate securities and receive-fixed hedges insulate the natural interest rate sensit
Slide 18: Balance Sheet Positioning Advantage
18 Balance Sheet Positioning Advantage Strong deposit franchise and funding position provide an opportunity for flexibility and margin outperformance in an evolving rate environment **All balances are ending as of 9/30/26; Source: S&P Cap IQ and SEC Reporting. Peers include CFG, FCNCA, FHN, FITB, HB
Slide 19: Deposit Beta and Cost
19 • Regions' deposit composition has led to repricing (betas) among the lowest in the peer group through multiple rising rate cycles ◦ Consistent rate seeking behavior/composition across the last two cycles ◦ Outperformance driven by deposit mix • Assuming federal funds rate hikes, expect interest-
Slide 20: Interest-Bearing Deposit Mix
20 % o f 3 Q 26 E nd in g In te re st -B ea rin g De po si ts Interest-bearing Deposits: $88.7B (labels represent % of IB Deposits) Interest-Bearing Deposit Mix Composition of deposit book affords ability to maintain cost advantage under a range of market rate outcomes; When combined with hedges, cr
Slide 21: Net Interest Margin History
21 Periods of normalizing monetary policy justify a normal/reduced risk tolerance 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 In
Slide 22: Hedging Strategy Update
22 2026 2027 2028 2029 2030 2031 2032 $23.2B $23.3B $22.0B $18.9B $17.2B $11.7B $5.6B $4.4B $4.8B $4.9B $4.9B $5.1B $5.3B $4.1B $18.8B $18.5B $17.1B $14.0B $12.1B $6.4B $1.5B (Q ua rt er ly A vg ) Asset Hedge Notional 3.11% 3.25% 3.44% 3.62% 3.61% 3.64% 3.82% 3.62% 3.69% 3.69% 3.69% 3.71% 3.72% 3.94
Slide 23: Securities Portfolio
23(1) Includes AFS securities, the $1.74B unrealized AFS loss, and HTM securities as of 9/30/2026. • Portfolio constructed to protect against changes in market rates ◦ Duration of ~3.8 years (AFS ~3.5 years) as of 9/30/2026; provides offset to long-duration deposit book ◦ 27% of securities in the po
Slide 24: AOCI and Capital Volatility
24(1) Fair value hedging includes pay fixed swaps and other strategies currently in development, with the balance sheet duration likely offset through the addition of offsetting cash flow hedges against floating rate loans. (2) Total After Tax AOCI excluding CF Hedges as of 9/30/2026. (3) Represents
Slide 25: Non-Interest Income QoQ Highlights & Outlook
25 QoQ Highlights & Outlook • NIR increased 7% on a reported basis and 3% on an adjusted(1) basis • Record Capital Markets revenue (Ex CVA/DVA) increased 23%, driven by stronger M&A advisory activity, securities underwriting & placement fees, commercial swap income, and syndications revenue; 4Q reve
Slide 26: Non-Interest Income/Total Revenue
26 Non-Interest Income/Total Revenue Strong Fee Income Generation Supports a Resilient Revenue Profile 3Q26 44.2% 36.4% 36.2% 34.7% 31.1% 30.6% 30.4% 28.5% 27.5% 25.9% 25.5% 22.7% 22.5% 13.7% Peer 1 Peer 2 Peer 3 RF Peer 4 Peer 5 Peer 6 Peer 7 Peer 8 Peer 9 Peer 10 Peer 11 Peer 12 Peer 13 FY 2025 41
Slide 27: Track Record of Expanding Fee-Based Services
27 Track Record of Expanding Fee-Based Services Proven Non-Interest Income ResiliencyAdjusted Non-Interest Income(1) Diversified revenue growth through expanded fee-based services (1) Non-GAAP; see appendix for reconciliation. Amounts disclosed in years 2024-2016 represent the initial amounts report
Slide 28: Capital Markets
28 Capital Markets Growing products & services that our clients value • 3Q26 Capital Markets revenue ex. CVA/DVA of $106M increased 23% from prior quarter, driven by stronger M&A advisory activity, securities underwriting & placement fees, commercial swap income and syndications revenue. • 4Q Capita
Slide 29: Treasury Management and Payments
29 +6% Treasury Management YTD Revenue(2) +8% Portfolio of Treasury Management Clients(3) +12% Trade Finance NIR(4) Continually Investing in Payments Enhancing Embedded ERP Finance, which allows clients to access and review financial accounts and data in real-time within their ERP platforms, by deve
Slide 30: Wealth Management Fee Income
30 Regions Investment Services Voice of the Client results reinforce strong client satisfaction and advisor engagement • Overall Satisfaction scores were high with 4.67/5.00 • 86% of clients rated their advisors 5-stars • Clients who engaged in recent planning conversations reported stronger outcome
Slide 31: Mortgage
31 Mortgage Remains a key component of fee revenue (1) Mortgage Bankers Association – Oct 2026 Forecast. (2) Includes residential owned portfolio and serviced for others. (3) MBA/Stratmor PGR 1H2026. Mortgage Income ($ in millions) Strong Performance Industry-Leading Low-Cost Servicer Delivery Effic
Slide 32: Non-Interest Expense QoQ Highlights & Outlook
32 QoQ Highlights & Outlook • NIE was relatively stable on both a reported and adjusted(1) basis • S&B remained well controlled, as increases in base salaries and revenue-based incentives were offset by lower market value adjustments for supplemental employee benefit liabilities • Continued investme
Slide 33: Efficiency Ratio vs. Peers
33 Efficiency Ratio vs. Peers 3Q26 Efficiency Ratio vs. Peers FY 2025 Efficiency Ratio vs. Peers 51.6% 53.1% 54.1% 54.3% 55.0% 55.5% 56.2% 56.6% 57.1% 58.6% 60.2% 60.6% 61.2% 63.0% Peer 1 Peer 2 Peer 3 Peer 4 Peer 5 RF Peer 6 Peer 7 Peer 8 Peer 9 Peer 10 Peer 11 Peer 12 Peer 13 54.6% 56.0% 56.4% 56.
Slide 34: Diversified Lines of Businesses
34 Diversified Lines of Businesses • Retail Banking Services ◦ Deposit ◦ Debit & Credit Card ◦ Home Equity ◦ Secured & Unsecured Lending ◦ Small Business • Mortgage ◦ Retail and Consumer Direct ◦ Mortgage Servicing • Home Improvement Financing • Commercial • Corporate & Institutional ◦ Corporate ◦ R
Slide 35: Consumer Bank
35 Consumer Bank High Performing, Proven Consumer Business Creating Value for Customers and Shareholders 10,364 Associates 1,246 Branches 1,775 ATMs 4.2M Consumer Customers 366K Small Businesses 380K Mortgage Customers and differentiates us from competition How our model wins Primacy-based acquisiti
Slide 36: Consumer Banking Group
36 JD Power(1) ranked Regions Bank No. 1 in Customer Satisfaction for Small Business Banking in the JD Power 2026 U.S. Small Business Banking Satisfaction Study JD Power(2) ranked Regions Bank No. 1 in Customer Satisfaction among Regional Bank Websites in the JD Power 2026 U.S. Online Banking Satisf
Slide 37: Branch Network Strategy
37 Branch Network Strategy Delivering a world-class branch experience through targeted growth • Execute a disciplined approach of 135-150 new locations in footprint, balancing new branch builds, relocations, and optimization of underperforming sites to enhance network productivity - resulting in a s
Slide 38: Corporate Banking Group
38 Corporate Banking Group A diversified engine for growth and long-term performance (1) As of 3Q26, Includes Ascentium Capital; (2)Private Companies, Includes Governments, Not-For-Profits; (3) Public & Private Companies, Includes public and privately owned professional real estate companies, develo
Slide 39: Corporate Bank Highlights
39 Active credit risk and portfolio management remains a top priority ◦ 3Q26 NPLs decreased 13bps to 0.78% ◦ 3Q26 Net charge-offs decreased 20bps to 12bps ◦ Core Business 5bps ◦ Ascentium 174bps Diversified Commercial Real Estate portfolio(1) that represents 17% of total loans outstandings: ◦ Office
Slide 40: Wealth Management
40 Wealth Management Specialized expertise and tailored investment guidance to manage and grow wealth 1,280 Associates 241K Total Relationships(1) $191.7B Total Client Assets (1) Total Relationships consists of Total Private Wealth Relationships, Institutional Accounts, Highland Accounts, and Invest
Slide 41: Wealth Management Highlights
41 Completed the second wave of the Regions Investment Services VOC survey, reinforcing strong client satisfaction and advisor-client engagement Continuing to grow digital and social media outreach, generating ~68M impressions Expanded thought leadership through 9 media appearances by our Chief Inve
Slide 42: Loans QoQ Highlights & Outlook
42 QoQ Highlights & Outlook • Avg and ending loans increased modestly • Avg business loans increased 1%, while avg consumer loans declined modestly • Broad-based C&I lending activity continued to drive growth, led by government & public sector and wholesale & financial services • Growth remained con
Slide 43: Average Loan Composition
43 $51.9 $5.1 $0.3 $7.9 $2.1 Commercial and Industrial CRE Mortgage - OO CRE Construction - OO IRE - Mortgage IRE - Construction 3Q26 Average Loan Composition $19.4$5.5 $5.5 $1.5 Mortgage Home Equity Other Consumer Consumer Credit Card Average Consumer Loans ($ in billions) $31.9B Average Business L
Slide 44: Consumer Lending Portfolio
44 Consumer Lending Portfolio • Avg. origination FICO 757 • Current LTV 52% • 99% owner occupied • 3Q26 QTD NCO 0.01% • Avg. origination FICO 763 • Current LTV 39% • 55% of portfolio is 1st lien • Avg. loan size $36,484 • $88M to convert to amortizing or balloon during 2026 • 3Q26 QTD NCO (0.02%) •
Slide 45: Ascentium & Home Improvement Financing
45 Home Improvement Financing(2) Credit • Prime/Super-prime focus has resulted in a strong portfolio credit profile; average FICO of 759 Growth Opportunities • Continue to focus efforts on leveraging relationships across the organization to drive growth opportunities through referrals and enhanced v
Slide 46: Highly Diversified Business Portfolio
46 All Other Commercial 3.4% Investor Real Estate 15.0% Financial Services 13.7% CRE Unsecured, including REITs 10.9% Govt. & Education 10.4% Consumer Services 7.8% Technology Services 5.4% Manufacturing 8.0% Energy 2.5% Agriculture .2% Utilities 3.7% Business Services 7.0% Distribution 7.0% Healthc
Slide 47: NDFI & Private Credit
47 $3,244 $1,549 $5,497 $1,791 $654 (1) Non-Depository Financial Institutions (NDFI) $ in Millions is an estimate and based on Call Report Schedule RC-C definition. (2) Defined as Regions' Indirect Leverage Lending, Non-Recourse ABL/Factoring, and Asset-Backed Finance to Funds or Business Developmen
Slide 48: Commercial Real Estate
48 Commercial Real Estate (Outstanding balances as of September 30, 2026) Highly Diversified Portfolio (IRE including Unsecured CRE) (1) Excludes $5.4B of Owner-occupied CRE whose source of repayment are individual businesses, and whose credit performance resembles Commercial during periods of stres
Slide 49: CRE - Office Portfolio
49 CRE- Office Portfolio (Outstanding balances as of September 30, 2026) (1) $ in Millions. Amounts include IRE and CRE Unsecured loans but exclude Held For Sale loans. Metrics represent 9/30/2026 results except for charge-offs, which reflects results for the 9 months ended September 30, 2026, annua
Slide 50: Transportation - Trucking
50 Transportation - Trucking (Outstanding balances as of September 30, 2026) (1) $ in Millions. Metrics represent 9/30/2026 results except for charge-offs, which reflects results for the 9 months ended September 30, 2026, annualized, based on average balances. NPL & ACL percentages are based on Port
Slide 51: Deposits QoQ Highlights & Outlook
51 QoQ Highlights & Outlook • Avg and ending deposits decreased modestly, primarily reflecting activity from a few large commercial relationships and expected seasonal public funds outflows • Underlying commercial trends remain healthy, supported by growth in new accounts and commercial non-interest
Slide 52: Diversified Deposit Base
52 Diversified Deposit Base Insured/Uninsured Deposit Mix(1)(2) • ~71% of Total Deposits are covered by FDIC insurance or are collateralized (Public Funds or Trust) • No single depositor exceeds 1% of total deposits • Average Consumer NIB Account balance of ~$5K (as of 3Q26) • >90% of consumer check
Slide 53: Deposit Advantage
53 Deposit Advantage Well diversified deposit base vs. peers (1) As of 6/30/2026. Source: Bank Call Reports / SEC filings. Peers include CFG, FITB, FCNCA, FHN, HWC, HBAN, KEY, MTB, SSB, PNC, TFC, USB, ZION. ...Resulting in one of the highest mix of FDIC insured deposits amongst peers % of Total Depo
Slide 54: Capital and Liquidity
54 QoQ Highlights & Outlook • Declared 3Q common dividends of $255M and executed $95M in share repurchases • Dividend payout target of 40-50% of earnings • Common book value per share of $19.38 and tangible common book value per share of $12.65 • Total Liquidity Sources well above required levels as
Slide 55: Capital Flexibility
55 Capital Flexibility Consistent, sustainable capital generation and expected regulatory changes support capital levels • Regions continues to demonstrate strong organic capital generation • Basel III Endgame expected to incorporate AOCI into capital calculation and implement broad revisions to ris
Slide 56: 2026 CCAR Capital Degradation
56 (1.1)% (0.6)% Peer Median RF • Organic capital generation provides a strong defense against potential losses • PPNR as a % of average assets ranked highest among peers(3) • Hedge program intended to protect NIM against falling interest rates has been highly effective 2026 CCAR Capital Degradation
Slide 57: Tangible Book Value Growth plus Dividends
57 Tangible Book Value Growth plus Dividends 3 and 5 yr CAGR excluding AOCI 3 Yr CAGR of TBV + Dividends 56.9% 19.6% 16.6% 15.5% 14.9% 14.9% 14.4% 14.0% 12.8% 12.5% 11.6% 11.2% 9.8% 5.6% Peer 1 Peer 2 Peer 3 RF Peer 4 Peer 5 Peer 6 Peer 7 Peer 8 Peer 9 Peer 10 Peer 11 Peer 12 Peer 13 5 Yr CAGR of TB
Slide 58: Driving Shareholder Value
58 Driving Shareholder Value Peer-leading dividend growth while actively managing share count Post-Financial Crisis Maximum 3Q26 Period Shares Outstanding (MM)(1) Shares Outstanding (MM)(1) Decline RF 1Q13 1,423 856 (39.8)% Peer 7 1Q17 211 145 (31.1)% Peer 1 2Q22 16 11 (29.8)% Peer 3 2Q14 539 401 (2
Slide 59: Tangible Common Equity
59 7.74% 7.80% 7.54% 7.55% 6.83% 8.69% 8.69% 8.52% 8.65% 8.62% TCE Ratio Adjusted TCE Ratio, ex-AOCI 3Q25 4Q25 1Q26 2Q26 3Q26 6% 7% 8% 9% 10% Tangible Common Equity Capital supported by sustainable, through-the-cycle, revenue (1) Non-GAAP, see Appendix for reconciliation. • Tangible Common Equity to
Slide 60: Modernization and Innovation
60 Modernization and Innovation Empowered by Data & Innovation Regions remains competitive by reserving ~10-12% of revenue for technology spend Core Banking and Data platform modernization(1) effort to enhance customer experience and agility Next Gen Platforms AI / ML Models that support client advi
Slide 61: Core Modernization: Proven Execution, Future Value Creation
61 Core Modernization: Proven Execution, Future Value Creation Successfully launching modern platforms today while creating foundation for future growth, efficiency, and innovation ☑ Drive Growth Enable faster product and pricing deployment, enhance marketing through advanced analytics, and expand p
Slide 62: Harnessing GenAI
62 Compliance Assistance Virtual Experts Copilots (GitHub, Microsoft) Deployed to over 12,000 Associates Intelligent Doc Processing Leveraging AI to proactively detect, prevent, and remediate cybersecurity threats Launched ATLAS in 4Q 2025 • Enterprise-Grade, Governed AI Platform • Scalable Digital
Slide 63: Digital Adoption Metrics
63 (1) Total number of unique customers who have successfully authenticated and logged into the mobile app at least once within the last 90 days of the quarter. (2) Digital transactions represent online and mobile only; Non-digital transactions represent branches, contact centers and ATMs. (3) Trans
Slide 64: Continuous Improvement in Risk Management
64 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 ☑ Enhanced
Slide 65: Historical Credit Profile
65 0.59% —% 0.50% 1.00% 1.50% 2.00% 2.50% 0.29% —% 0.50% 1.00% 1.50% 2.00% Historical Credit Profile Non-Performing Loans Total Net Charge-Offs 1Q20 3Q26 4Q221Q20 4Q22 3Q26 Average Pre-Pandemic 0.46% Average Pandemic 0.35% Average Pre-Pandemic 1.07% Average Pandemic 0.64% 1Q13 1Q13 Average Post-Pand
Slide 66: Historical Credit Profile: Consumer and Commercial
66 0.60% —% 0.50% 1.00% 1.50% 2.00% 2.50% 3.00% 3.50% 0.14%—% 0.50% 1.00% Consumer Net Charge-Offs(2) Commercial Net Charge-Offs(1) 1Q20 3Q26 4Q22 1Q20 4Q22 3Q26 (1) Includes C&I, CRE - OO and IRE. (2) The spike in Consumer net charge-offs in late 2013 was associated with the move of ~$700M primaril
Slide 67: Asset Quality QoQ Highlights & Outlook
67 QoQ Highlights & Outlook • 3Q annualized NCOs decreased 13bps to 29bps • NPL ratio declined 8bps to 59bps, while the business services criticized ratio declined 30bps to 4.71% of business loans • Provision of $68M; ACL ratio declined 2bps to 1.61%; NPL coverage remained strong at 275% • Continue
Slide 68: Allowance for Credit Losses
68 QoQ Highlights • 3Q allowance was essentially flat compared to the prior quarter, decreasing $4M and resulting in a $68M provision expense. The slight decrease in the ACL and an increase in loan balances resulted in a reduction in the ACL % from 1.63% to 1.61% • The change in ACL resulted from: ◦
Slide 69: Base R&S Economic Outlook
69 Pre-R&S period 3Q2026 4Q2026 1Q2027 2Q2027 3Q2027 4Q2027 1Q2028 2Q2028 3Q2028 Real GDP, annualized % change 2.5 % 2.2 % 2.1 % 2.6 % 2.4 % 2.3 % 2.4 % 2.3 % 2.3 % Unemployment rate 4.1 % 4.2 % 4.2 % 4.1 % 4.1 % 4.1 % 4.1 % 4.0 % 4.0 % HPI, year-over-year % change 1.5 % 1.4 % 1.6 % 1.1 % 1.0 % 1.1
Slide 70: Allowance Allocation
70 As of 9/30/2026 (in millions) Loan Balance ACL ACL/Loans C&I $52,409 $669 1.28 % CRE-OO mortgage 5,072 107 2.11 % CRE-OO construction 296 6 2.01 % Total commercial $57,777 $782 1.35 % IRE mortgage 8,159 148 1.82 % IRE construction 2,052 29 1.43 % Total IRE $10,211 $177 1.74 % Residential first mo
Slide 71: Expectations for 4Q26 & FY26
71 Expectations for 4Q26 & FY26 • 4Q26 NII expected to increase 1 – 2% vs 3Q26(3) • 4Q26 NIM expected to be ~3.70%(3) • Expect Capital Markets revenue within the $90 – $105M range in 4Q26, with market conditions and client activity influencing results • Expect to generate FY adj. positive operating
Slide 72: Appendix
Internal Use Appendix
Slide 73: Non-GAAP Measures Definitions
73 Management uses pre-tax pre-provision income (non-GAAP), adjusted pre-tax pre-provision income (non-GAAP), the adjusted efficiency ratio (non-GAAP), the adjusted fee income ratio (non-GAAP), return on average tangible common shareholders' equity (non-GAAP), adjusted return on average tangible com
Slide 74: Pre-Tax Pre-Provision Income Reconciliation
74(1) Simple average of 4 trailing quarters of risk-weighted assets calculated from applicable periods' Call Report data. Three Months Ended Year Ended ($ amounts in millions) 9/30/2026 6/30/2026 3/31/2026 2025 2024 2023 2022 2021 2020 2019 Net income available to common shareholders (GAAP) $ 611 $
Slide 75: Return on Average Tangible Common Shareholders' Equity
75 Non-GAAP reconciliation Return on Average Tangible Common Shareholders' Equity Three Months Ended Year Ended ($ amounts in millions) 9/30/2026 6/30/2026 3/31/2026 12/31/2025 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 RETURN ON AVERAGE TANGIBLE COMMON SHAREHOLDERS' EQUITY Net income av
Slide 76: Tangible Common Ratios
76 As of and for Quarter Ended ($ amounts in millions, except per share data) 9/30/2026 6/30/2026 3/31/2026 12/31/2025 9/30/2025 TANGIBLE COMMON RATIOS Shareholders’ equity (GAAP) A $ 17,847 $ 18,840 $ 18,779 $ 19,043 $ 19,049 Less: Preferred stock (GAAP) 1,369 1,369 1,369 1,369 1,369 Common shareho
Slide 77: Net Income, Adjusted Diluted EPS, and Return Ratios
77 Non-GAAP Reconciliation Net Income Available to Common Shareholders, Adjusted Diluted EPS, and Return Ratios NM - Not Meaningful Quarter Ended ($ amounts in millions) 9/30/2026 6/30/2026 3/31/2026 12/31/2025 9/30/2025 3Q26 vs. 2Q26 3Q26 vs. 3Q25 Net income available to common shareholders (GAAP)
Slide 78: Pre-Tax Pre-Provision Income (PPI)
78 Non-GAAP Reconciliation Pre-Tax Pre-Provision Income (PPI) Quarter Ended ($ amounts in millions) 9/30/2026 6/30/2026 3/31/2026 12/31/2025 9/30/2025 3Q26 vs. 2Q26 3Q26 vs. 3Q25 Net income available to common shareholders (GAAP) $ 611 $ 549 $ 539 $ 514 $ 548 $ 62 11.3 % $ 63 11.5 % Preferred divide
Slide 79: NII, Non-Interest Income/Expense, and Efficiency Ratio
79 Non-GAAP Reconciliation NII, Non-Interest Income/Expense, and Efficiency Ratio NM - Not Meaningful Quarter Ended ($ amounts in millions) 9/30/2026 6/30/2026 3/31/2026 12/31/2025 9/30/2025 3Q26 vs. 2Q26 3Q26 vs. 3Q25 Non-interest expense (GAAP) A $ 1,118 $ 1,121 $ 1,068 $ 1,098 $ 1,103 $ (3) (0.3)
Slide 80: Non-Interest Income Reconciliation
80 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,
Slide 81: Non-Interest Expense Reconciliation
81 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 as
Slide 82: CET1 Inclusive of AOCI and Estimated RWA Adjustments
82 Quarter Ended ($ amounts in millions) 9/30/2026 CET1 RATIOS Common Equity Tier 1(1) A $ 13,968 Adjustments: AOCI gain (loss) on securities(2) (1,889) AOCI gain (loss) on defined benefit pension plans and other post employment benefits (380) Common Equity Tier 1 (inclusive of AOCI)(non-GAAP) B $ 1
Slide 83: Forward-Looking Statements
83 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 concerning the matters desc
Slide 84: Forward-Looking Statements: Risk Factors
84 • Weather-related events, pandemics and other natural or man-made disasters could cause a disruption in our operations or lead to other consequences that could adversely impact our financial results and condition. These impacts could be intensified by climate change. Heightening focus on climate
Slide 85: Internal Use
Internal Use
Regions Financial — Investor Presentation (November 2026) on 6ix