Regions Financial : Q1 2024 Quarterly Investors Information

Exhibit 99.1

Investor Information

April - June 2024

Table of Contents

Topic	Page #
Profile and Strategy	3-11
Asset / Liability Management	12-20
Fees & Expenses	21-27
Business Segment Highlights	28-32
Loans & Deposits	33-39
Capital, Debt & Liquidity	40-42
Technology & Continuous Improvement	43-47
Credit	48-61
Near-Term Expectations	62
Environmental, Social & Governance	63-64
Bolt-on Acquisitions	65
Appendix & Forward Looking Statements	66-81

2

Our Banking Franchise

Ranked 19th in the U.S. in total deposits(1)

Line of business coverage

Birmingham, Alabama

Branch locations by state(2)

Ascentium Capital

EnerBank

First Sterling

Business Capital

Capital Markets

Commercial Banking

Corporate Banking

Equipment Finance

Government/Institutional

Institutional Services

Private Wealth

Real Estate

Specialized Industries

Alabama - 186	Georgia - 117	Iowa - 5	Mississippi - 98	South Carolina - 18
Arkansas - 57	Illinois - 41	Kentucky - 9	Missouri - 49	Tennessee - 196
Florida - 272	Indiana - 40	Louisiana - 80	North Carolina - 6	Texas - 88

1. Source: S&P Capital IQ as of 6/30/2023; pro-forma for announced M&A transactions as of 4/19/2024. The green shaded states represent Regions' 15-state branch footprint. (2) Total branches as of 3/31/2024.

3

Profile Evolution

Improved Credit Risk Profile

Exited Non-Core Businesses

Continuous Improvement

Investor CRE	CCAR Loan Loss
($ in billions)	Rate
$24	8.1%

	Sold $300M of
Indirect Auto	Consumer Exit
Portfolio
2018	2022

Customer

Journeys

Revenue Growth

Organization Simplification

Efficiency

Improvements

	$9			6.9%
2008	2023	2012	2022

Proactive Interest Rate

Hedging

2012

2019

2023

Sold $1.2B Unsecured

Consumer Loan Portfolio

Strategic M&A

~550 bps improvement in efficiency ratio 2016 to 2023 while improving Associate Engagement(1)

Top Quartile Profitability

ROATCE

• Hedge program introduced in 2017/2018 to protect NIM against falling interest rates was highly effective
• New actions taken in 2022 and 2023 to protect NIM if rates decrease now fully active

1. Gallup (2) Source: S&P Capital IQ; peers include CFG, CMA, FHN, FITB, HBAN, HWC, KEY, MTB, PNC, SNV, TFC, USB, ZION.

21.9%

		17.2%					Top Quartile
9.0%		16.4%					Median
	13.9%					Bottom Quartile
2015	RF	Peers(2)
		2023
							4

Top Market Share

Plays valuable role in the competitive landscape

Markets with top 5 market share(1)

MSAs

Non-MSA counties

• Ranked 19th in the U.S. in total deposits(1)
• 86% of deposits in 7 states: Alabama, Tennessee, Florida, Louisiana, Mississippi, Georgia, Arkansas
• Top 5 or better market share in ~70% of MSAs across 15-state footprint(1)
• Greater than 2/3 of deposits in markets without a significant money center bank presence(2)
• High growth markets benefiting from population and business growth:
• • Florida
  • Georgia
  • Texas
  • Tennessee

1. Based on MSA and non-MSA counties using FDIC deposit data as of 6/30/2023; pro-forma for announced M&A transactions as of 4/19/2024. (2) Significant money center bank presence (JPM, BAC, C, WFC) defined as combined market share using 6/30/2023 FDIC deposit data of 20% or more.

5

Strong In-Market Migration

Converted legacy core markets into growth markets

Serving Fast-Growing MSAs	Deposits	Market
Rank(1)
Nashville, Tennessee	$10.0	3
Tampa, Florida	$6.5	5
Atlanta, Georgia	$5.8	7
Orlando, Florida	$2.7	6
Knoxville, Tennessee	$2.7	3
Huntsville, Alabama	$2.7	1
Dallas/Ft Worth, Texas	$2.1	21
Houston, Texas	$2.1	16
Little Rock, AR	$2.1	7
Chattanooga, TN	$1.7	4
Indianapolis, Indiana	$1.7	13
Pensacola, Florida	$1.6	2
Daphne, AL	$1.4	1
Destin, FL	$1.3	1
Jacksonville, FL	$1.1	8

'24-'29 Population Growth(1)

National average: 2.4%

18 of top 25 U.S. markets with net

migration inflows are within

Regions' footprint(2)

Regions' deposit weighted

population growth by MSA for 2024-2029 is 3.3% vs. national average of 2.4%(1)

15 of Regions' top 25(1) MSAs are projected to grow fasterthan the U.S. national average

Unemployment rates in 7 of our top 8 deposit states remain below the national average(3)

1. Source: S&P Capital IQ. Top 25 markets as defined by deposit dollars - FDIC 6/30/2023. Pro-forma for announced M&A transactions as of 4/19/2024. S&P's demographic data is provided by Claritas based primarily on U.S. Census data. (2) Source: U.S. Postal Service (for moves from January 2021 - December 2022).

1. Source: U.S. Bureau of Labor Statistics.

6

Regions Receives Top Honors

Regions Bank was named a	Regions Bank is the highest-	Regions Bank is recognized by FORTUNE	For the seventh consecutive year,
Gallup Exceptional Workplace	ranked bank on Forbes' 2024	Fannie Mae has recognized
as one of America's most innovative
Award Winner for the 10th	list of Top 300 companies for	Regions Mortgage for excellence
companies.
consecutive year.	customer service.	in loan servicing

		For the third consecutive year, Regions Bank
		was named a Best Place to Work for Disability
		Inclusion by the American Association for
Regions Investment Management	Regions Financial named one of	People with Disabilities and Disability Equality
has once again been recognized by	America's most JUST Companies	Index
Pensions & Investments with the	for third consecutive year
2023 Best Places to Work in Money
Management award.

The US Small Business Administration Office	Regions Bank was recognized as a
2024 Silver Status Military Friendly
of International Trade selected Regions as a
and Military Spouse Friendly
2023 Export Lender of the Year
Employer

7

First Quarter Overview

Continue to deliver consistent, sustainable long-term performance

Key Performance Metrics

Net Income Available to Common Shareholders

Diluted Earnings

Per Share

Total Revenue

Non-Interest Expense

Pre-TaxPre-Provision

Income(1)

Efficiency Ratio

Net-Charge Offs / Avg Loans

1Q24

Reported Adjusted(1)

$343M

$0.37

$1.7B $1.8B

$1.1B $1.1B

$616M $700M

64.3% 60.6%

0.50% 0.50%

Highlights

• Consistently generating top-quartile returns in our peer group
• Continued focus on disciplined capital allocation and risk-adjusted returns
• Benefiting from loyal customer base, attractive footprint & diverse balance sheet with solid capital, robust liquidity and prudent credit risk management
• Proactive hedging strategies position Regions for success in an array of economic conditions
• Delivering consistent, sustainable, long-term performance while remaining focused on soundness, profitability, & growth

8

(1) Non-GAAP, see appendix for reconciliation.

Regions' Consistent Outperformance

Regions' earnings, including credit costs, have been top quartile vs peers since 2019

Adjusted PPI(1) Less Net Charge-offs to RWA(2)

2.30% 2.47% 2.31%

1.96%	1.98%	1.89%	1.96%
					1.86%
1.95%	1.78%
					1.73%
								1.58%
2019	2020	2021	2022	2023	1Q24
				RF		Peer Median

1. Non-GAAP;see Appendix for reconciliation. (2) Source: S&P Capital IQ. Risk-weighted Assets (RWA) used in the analysis represents the simple average of the 4 quarterly disclosed amounts for each year (some peers are estimated in the current quarter). Peers include CFG, CMA, FHN, FITB, HBAN, HWC, KEY, MTB, PNC, SNV, TFC, USB, ZION.

9

ROATCE: Industry Leading Performance

ROATCE Performance Trend vs. Peers(1)

Rank: 1

				21.4%
			17.6%	16.5%
			17.0%	14.9%
12.0%	11.0%	12.0%		14.7%
		11.0%		9.2%
	9.7%		8.5%
9.0%

Rank: 1

24.1%

19.3%

Rank: 1

21.9%

16.4%

Rank: 5

14.3%

12.9%

2015	2016	2017	2018	2019	2020	2021	2022	2023	1Q24
					RF		Peer Median

1. Non-GAAP;see Appendix for reconciliation. Peers include CFG, CMA, FHN, FITB, HBAN, HWC, KEY, MTB, PNC, SNV, TFC, USB, ZION. The 2018 ROATCE for Regions was 15.6% excluding a $191M after-tax benefit from discontinued operations primarily related to a gain from the sale of Regions Insurance Group. Other historical periods were also impacted by discontinued operations but to an immaterial extent. RF's 2023, 2022 and 2021 ROATCE excluding AOCI (non-GAAP) was 15.91%, 19.61% and 22.85%, respectively.

10