Regions Financial Corporation (NYSE:RF) Q2 2024 Results Conference Call July 19, 2024 10:00 AM ET Company Participants Dana Nolan - EVP, IR John Turner - President and CEO David Turner - CFO Conference Call Participants Ryan Nash - Goldman Sachs Scott Siefers - Piper Sandler Ken Usdin - Jefferies Erika Najarian - UBS Ebrahim Poonawala - Bank of America Matt O'Connor - Deutsche Bank Chris Spahr - Wells Fargo Gerard Cassidy - RBC John Pancari - Evercore Betsy Graseck - Morgan Stanley Operator Good morning. An ...

Exhibit 99.2 Regions Financial Corporation and Subsidiaries Financial Supplement (unaudited) Second Quarter 2024 Regions Financial Corporation and Subsidiaries Financial Supplement (unaudited) to Second Quarter 2024 Earnings Release Table of Contents | | Page | | --- | --- | | Financial Highlights | 1 | | Selected Ratios and Other Information* | 2 | | Consolidated Balance Sheets | 3 | | Loans | 4 | | Deposits | 6 | | Consolidated Statements of Income | 8 | | Consolidated Average Daily Balances and Yield / R ...

Form10-Q UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Table of Contents ☒ Quarterly report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarterly period ended March 31, 2024 (800) 734-4667 (Registrant's telephone number, including area code) | Title of each class | Trading Symbol(s) | Name of each exchange on which registered | | --- | --- | --- | | Common Stock, $.01 par value | RF | New York Stock Exchange | | Depositary Shares, each representin ...

Exhibit 99.3 1st Quarter Earnings Conference Call April 19th, 2024 First Quarter Overview Continue to deliver consistent, sustainable long-term performance 1Q24 Highlights Key Performance Metrics Reported Adjusted(1) • Consistently generating top-quartile returns in our peer group Net Income Available to ...

Financial Data and Key Metrics Changes - The company reported first quarter earnings of $343 million, resulting in earnings per share of $0.37, with adjusted items impacting results by approximately $0.07 [6] - Total revenue was $1.7 billion on a reported basis and $1.8 billion on an adjusted basis, indicating resilience in net interest income and fee revenue despite macroeconomic uncertainties [6] - Net interest income declined by approximately 4% linked quarter, with a net interest margin decrease of 5 basis points [10] Business Line Data and Key Metrics Changes - Average loans decreased modestly, with a 1% decline in the business portfolio, while average consumer loans remained stable [8] - Adjusted noninterest income increased by 6% during the quarter, driven by growth in capital markets, particularly in real estate and M&A activity [12] - Adjusted noninterest expense increased by 6% compared to the prior quarter, primarily due to seasonal HR-related expenses and operational losses [13] Market Data and Key Metrics Changes - The mix of deposits shifted from noninterest-bearing to interest-bearing products, with expectations of a low 30% noninterest-bearing mix by mid-2024 [9] - The company anticipates declines in overall deposit balances in the second quarter due to tax payments [8] - The company expects net interest income for 2024 to be between $4.7 billion and $4.8 billion, driven by the ability to reprice deposits [11] Company Strategy and Development Direction - The company is focused on executing its strategic plan, emphasizing soundness, profitability, and growth [7] - There is a commitment to managing expenses prudently while funding investments in the business, with expectations of operational losses around $100 million for the year [13] - The company is exploring opportunities for securities repositioning to optimize capital deployment [20] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in the overall asset quality performing consistent with historical levels, despite some pressure in business lending [7] - The company anticipates that loan growth will be stable to down modestly compared to 2023, reflecting client selectivity and limited demand [8] - Management noted that the competitive landscape for deposits is not as strong due to muted loan growth across the industry [17] Other Important Information - The company ended the quarter with a common equity Tier 1 ratio of 10.3%, executing $102 million in share repurchases and $220 million in common dividends [16] - Adjusted net charge-offs increased by 11 basis points, primarily due to a legacy restaurant credit and a commercial manufacturing credit [14] - The company expects its full year 2024 net charge-off ratio to be between 40 and 50 basis points [15] Q&A Session Summary Question: Noninterest-bearing deposits outlook - Management expects noninterest-bearing deposits to remain in the low 30% range, with confidence in growing these balances through new accounts [17] Question: Loan growth outlook - Management indicated that loan growth is muted, with some industries performing well while others are cautious, and they do not need to push for loan growth in the current environment [23][24] Question: Operational losses - Management clarified that the increase in operational losses was due to warranty claims from deposits, but they expect to meet their operational loss target for the year [26][27] Question: Fee revenue trends - Fee revenue showed strong performance, particularly in treasury management and wealth management, while consumer fees declined due to changes in overdraft policies [60] Question: Credit quality and reserves - Management noted that nonperforming loans increased due to stress in specific industries, but they feel confident in their reserve position [38] Question: Securities repositioning - Management is open to further securities repositioning but will ensure it aligns with their capital deployment strategy [20][33]

Exhibit 99.2 Regions Financial Corporation and Subsidiaries Financial Supplement (unaudited) First Quarter 2024 Regions Financial Corporation and Subsidiaries Financial Supplement (unaudited) to First Quarter 2024 Earnings Release Table of Contents | | Page | | --- | --- | | Financial Highlights | 1 | | Selected Ratios and Other Information* | 2 | | Consolidated Balance Sheets | 3 | | Loans | 4 | | Deposits | 6 | | Consolidated Statements of Income | 8 | | Consolidated Average Daily Balances and Yield / Rat ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2023 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-34034 REGIONS FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Delaware 63-0589368 (State or other j ...

Regions Financial Corporation (NYSE:RF) Q4 2023 Earnings Conference Call January 19, 2024 10:00 AM ET Company Participants Dana Nolan - Investor Relations John Turner - President and Chief Executive Officer David Turner - Chief Financial Officer Conference Call Participants Scott Siefers - Piper Sandler Ebrahim Poonawala - Bank of America Manan Gosalia - Morgan Stanley Ryan Nash - Goldman Sachs John Pancari - Evercore ISI Dave Rochester - Compass Point Gerard Cassidy - RBC Brandon King - Truist Erika Najari ...

Exhibit 99.3 4th Quarter Earnings Conference Call 2023 Overview Continue to deliver consistent, sustainable long-term performance Highlights 4Q23 FY23 Key Performance Metrics Reported Adjusted(1) Reported Adjusted(1) • Record FY pre-tax pre-provision income(1) of $3.2B Net Income Available to Common Shareholders $367M $2.0B • ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form10-Q ☒ Quarterly report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarterly period ended September 30, 2023 or ☐ Transition report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the transition period from to Commission File Number: 001-34034 Regions Financial Corporation (Exact name of registrant as specified in its charter) (State or other jurisdicti ...