Barclays Annual Financial Services Conference September 10 Internal Use Longstanding Strategic Priorities Committed to: • Diversified Revenue Streams • Appropriate Risk Adjusted Returns • Disciplined Expense Management Profitability Strategically Investing in: • Top quartile organic loan & deposit growth over the last 5 yrs vs. peers(1) • Opportunities to 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 capabil ...

Strategic Priorities - Regions is focused on credit risk management, interest rate risk management, capital and liquidity management, and operational & compliance risk management[4] - Regions strategically invests in top quartile organic loan & deposit growth, leveraging superior growth of the core footprint with 3.5% projected population growth[4] Capital Strength and Risk Management - Regions' 2024 CCAR capital degradation is 1.8%, lower than the peer median of 2.5%[8] - Regions proactively hedges interest rate risk, protecting Net Interest Margin (NIM) against falling interest rates[9] - Regions' Pro forma Post-Stress CET1 is 75.9% which is higher than peers[12] Profitability and Growth - Regions has consistently strong growth metrics, supporting a higher P/E multiple[15] - Regions' Peer Leading Return on Average Tangible Common Shareholders' Equity (ROATCE) has been ranked 1 for 4 straight years[16] - Regions' 5-Year Earnings Per Share (EPS) Compound Annual Growth Rate (CAGR) outperforms most peers[17] - Regions' 5 Year Tangible Book Value (TBV) growth plus dividends is 18.7%[31] Deposit Advantage and Market Presence - Regions has a strong brand presence and attractive footprint in the Southeast[32] - Regions' deposit-weighted population growth by MSA for 2024-2029 is projected at 3.5%, compared to the national average of 2.4%[34] - Regions has top 5 market share in approximately 70% of MSAs across its 15-state footprint[35] - Regions' FY24 total deposit cost is below the peer median, contributing to a ~60bps advantage in Net Interest Margin (NIM)[37] - Regions' deposit growth in priority markets since 2019 is $12.5 billion[45] Investments in Technology and Talent - Regions is investing in core modernization, loan and deposit systems, and enhanced digital experiences[48] - Regions is expanding talent in key areas, including middle market and small business relationship managers, treasury management bankers, and branch sales bankers[48]