Regions Bank 2013 Annual Report Download

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2013 YEAR IN REVIEW
WHAT DIFFERENT
LOOKS LIKE

Table of contents

  • Page 1
    2013 YEAR IN REVIEW WHAT DIFFERENT LOOKS LIKE

  • Page 2
    ... Earnings (loss) per common share - diluted BALANCE SHEET SUMMARY At year-end Loans, net of unearned income Assets Deposits Long-term debt Stockholders' equity Average balances - Continuing Operations Loans, net of unearned income Assets Deposits Long-term debt Stockholders' equity SELECTED RATIOS...

  • Page 3
    At Regions, progress is creating a new, better, different organization - one that puts the customer at the center of everything we do. Come see what different looks like... REGIONS 2013 YEAR IN REVIEW 1

  • Page 4
    ... quickly. The Regions team came up with really creative solutions to meet all my financial needs. They helped me restructure all my business and personal loans, which included refinancing my mortgage," added Dr. Moon. "Our office uses the local Regions branch to make our daily deposits, and Angie...

  • Page 5
    ...employees meet the electrical supply and service needs of customers across eight Southeastern states and Texas. But Mayer's impact doesn't stop there. Mr. Collat and his family are among Birmingham's most active philanthropists, including signature gifts to the University of Alabama - Birmingham. He...

  • Page 6
    ... we need Regions to step up, they're there for us." Regions has created specialized lending groups for several different industries that include energy, healthcare, technology, transportation, franchise restaurant, real estate corporate banking and 4 REGIONS 2013 YEAR IN REVIEW asset-based lending...

  • Page 7
    ... in college 400 miles away, so I'm often checking to make sure her finances are okay. Our Regions joint account and the mobile app help me make sure her needs are being met. For a mom, that's peace of mind." Soraia Kyker with daughter Michelle Owner, SK Salon Birmingham, Alabama REGIONS 2013 YEAR...

  • Page 8
    ... that building it's this little miracle factory." Tim appreciates a partner that can provide services that are fully customized to his needs. "The services that Regions provides are unique to my needs, whether they be personal or business or philanthropic. While the investment world and retirement...

  • Page 9
    ... Team Leader Booker T. Washington High School, Atlanta, Georgia "Financial literacy is very important for these students because they're about to graduate and enter adulthood. The Financial Education program that Regions supports is extremely effective in providing them the information they need...

  • Page 10
    CHAIRMAN'S LETTER GRAYSON HALL Chairman, President and Chief Executive Officer To our shareholders, associates, customers and communities: Regions Financial is a different organization today than it was several years ago - and the changes are all positive. We have simplified our business model ...

  • Page 11
    ... team began to think carefully about a new foundational business strategy. The foundation that emerged from that process - creating shared value - calls for our actions to benefit all stakeholders. We firmly believe that the most powerful way to create long-term value for Regions' shareholders...

  • Page 12
    ...new ways to serve more consumers more effectively. A standout was indirect auto loans, which grew by 32 percent. That progress was the result of growth in our collaboration with dealers - now numbering more than 2,100 - and technology that accelerates loan processing for dealers and their car buyers...

  • Page 13
    ... service. To address that need, we developed Now Banking to offer nontraditional customers simple, affordable solutions. Product options include a reloadable debit card, check cashing, electronic bill payment and money transfer services. Customer response has been strong; in 2013 we grew Now Banking...

  • Page 14
    ... prescriptive, detailed process in which our bankers use specialized tools to fully assess a customer's financial needs. Only then do we seek to match our products with those needs. As we increase the number of solutions, we begin to build a true 360 relationship. 12 REGIONS 2013 YEAR IN REVIEW

  • Page 15
    ... years. Overall, we think their long-term economic prospects are very positive. Moreover, we have a strong market position in our core markets where we held a 9 percent share of the weighted-average deposits in 2013, placing us third in market share among all banks. That means we have the critical...

  • Page 16
    ... other banks offer that service, but what makes ours unique is the customer gets to choose: Do they want their funds to show up in two days, tonight or do they want them to post to the account right this minute? If you can wait, that service is essentially free, if it's right away you pay for that...

  • Page 17
    ... Executive Vice President Head of Business Services Group Operating Committee Brett D. Couch Senior Executive Vice President East Region President Operating Committee Barb Godin Senior Executive Vice President Chief Credit Officer Operating Committee C. Keith Herron Senior Executive Vice President...

  • Page 18
    ... keep pace with technological changes, including our ability to identify and address cyber-security risks such as data security breaches, "denial of service" attacks, "hacking" and identity theft. (25) Possible downgrades in our credit ratings or outlook. (26) The effects of problems encountered by...

  • Page 19
    ... A DAY MAKES Wherever we live there are compelling human needs and great organizations that address those needs. That's why Regions empowers its associates to improve their communities in the way that means the most to them. Now in its seventh year, What a Difference a Day Makes offers every Regions...

  • Page 20
    ... Avenue North Birmingham, AL 35203 Phone: 1-800-734-4667 STOCK LISTING Regions common stock is traded on the NYSE under the symbol RF. CORPORATE WEBSITE For more information, please visit www.regions.com ANNUAL MEETING The 2014 Annual Meeting of Stockholders of Regions Financial Corporation will be...