Regions Financial Corporation

During the third quarter, the company repurchased approximately 10 million shares of common stock for a total of $251 million through open-market purchases and declared $235 million in dividends to common shareholders.

SEC original ↗Regions Financial Corporation — Earnings release (8-K exhibit)EX-99Oct 17, 2025

30, 2025, of approximately $69 billion, which includes cash held at the Federal Reserve, FHLB borrowing capacity, unencumbered securities, and capacity at the Federal Reserve's facilities such as the Discount Window or Standing Repo Facility.

SEC original ↗Regions Financial Corporation — Earnings release (8-K exhibit)EX-99Oct 17, 2025

Changes in laws and regulations affecting our businesses, including legislation and regulations relating to bank products and services, such as changes to debit card interchange fees, special FDIC assessments, any new long-term debt requirements, as well as changes in the enforcement and interpretation of such laws and regulations by applicable governmental and self-regulatory agencies, including as a result of the changes in U.

SEC original ↗Regions Financial Corporation — Earnings release (8-K exhibit)EX-99Oct 17, 2025

Our capital actions, including dividend payments, common stock repurchases, or redemptions of preferred stock, must not cause us to fall below minimum capital ratio requirements, with applicable buffers taken into account, and must comply with other requirements and restrictions under law or imposed by our regulators, which may impact our ability to return capital to shareholders.

SEC original ↗Regions Financial Corporation — Earnings release (8-K exhibit)EX-99Oct 17, 2025

Our ability to receive dividends from our subsidiaries, in particular Regions Bank, could affect our liquidity and ability to pay dividends to shareholders.

SEC original ↗Regions Financial Corporation — Earnings release (8-K exhibit)EX-99Oct 17, 2025

Fluctuations in the price of our common stock and inability to complete stock repurchases in the time frame and or on the terms anticipated.

SEC original ↗Regions Financial Corporation — Earnings release (8-K exhibit)EX-99Oct 17, 2025

customer derivative valuation adjustments) Hiring and reskilling of bankers to support growth initiatives remains on track Return on avg.

SEC original ↗Regions Financial Corporation — Earnings release (8-K exhibit)EX-99Oct 17, 2025

Adjusted items during the quarter include the company's execution of a strategic securities repositioning resulting in a $25 million loss.

SEC original ↗Regions Financial Corporation — Earnings release (8-K exhibit)EX-99Oct 17, 2025

As expected, salaries and benefits increased 2 percent, driven primarily by one additional work day in the 3 quarter, increased revenue-based incentive compensation associated with elevated capital markets revenue, and further progress on growth initiative-related hires.

SEC original ↗Regions Financial Corporation — Earnings release (8-K exhibit)EX-99Oct 17, 2025

Forward-looking statements are not based on historical information, but rather are related to future operations, strategies, financial results or other developments.

SEC original ↗Regions Financial Corporation — Earnings release (8-K exhibit)EX-99Oct 17, 2025

Our ability to execute on our strategic and operational plans, including our ability to fully realize the financial and nonfinancial benefits relating to our strategic initiatives.

SEC original ↗Regions Financial Corporation — Earnings release (8-K exhibit)EX-99Oct 17, 2025

Those statements are based on general assumptions and are subject to various risks, and because they also relate to the future they are likewise subject to inherent uncertainties and other factors that may cause actual results to differ materially from the views, beliefs and projections expressed in such statements.

SEC original ↗Regions Financial Corporation — Earnings release (8-K exhibit)EX-99Oct 17, 2025

These risks, uncertainties and other factors include, but are not limited to, those described below Current and future economic and market conditions in the United States generally or in the communities we serve (in particular the Southeastern United States), including the effects of possible declines in property values, increases in interest rates and unemployment rates, inflation, financial market disruptions and potential reductions of economic growth, which may adversely affect our lending and other businesses and our financial results and conditions.

SEC original ↗Regions Financial Corporation — Earnings release (8-K exhibit)EX-99Oct 17, 2025

Possible changes in trade, monetary and fiscal policies of, and other activities undertaken by, governments, agencies, central banks and similar organizations, including tariffs, which could have a material adverse effect on our businesses and our financial results and conditions.

SEC original ↗Regions Financial Corporation — Earnings release (8-K exhibit)EX-99Oct 17, 2025

Changes in market interest rates or capital markets could adversely affect our revenue and expense, the value of assets (such as our portfolio of investment securities) and obligations, as well as the availability and cost of capital and liquidity.

SEC original ↗Regions Financial Corporation — Earnings release (8-K exhibit)EX-99Oct 17, 2025

Volatility and uncertainty about the direction of interest rates and the timing of any changes, which may lead to increased costs for businesses and consumers and potentially contribute to poor business and economic conditions generally.

SEC original ↗Regions Financial Corporation — Earnings release (8-K exhibit)EX-99Oct 17, 2025

Possible changes in consumer and business spending and saving habits and the related effect on our ability to increase assets and to attract deposits, which could adversely affect our net income.

SEC original ↗Regions Financial Corporation — Earnings release (8-K exhibit)EX-99Oct 17, 2025