Regions Bank 2014 Annual Report Download

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2014 ANNUAL REVIEW
GET TO KNOW OUR PLACE

Table of contents

  • Page 1
    GET TO KNOW OUR PLACE 2014 ANNUAL REVIEW

  • Page 2
    ... in industries like healthcare, auto manufacturing and aerospace. There is also access to overseas markets, as global trade is thriving from South Florida to Texas as well as robust investment in manufacturing, with an industrial renaissance underway across the southern Gulf Coast, creating stronger...

  • Page 3
    ...Terms Regions' customers choose to interact with us in a variety of digital and automated ways. Customers can use our remote deposit capture to deposit a paycheck through Regions' mobile app, or transfer funds to a child at college through online banking, or visit an ATM to cash a check on a weekend...

  • Page 4
    ... steps to rationalize our branch network. This means consolidating branches where warranted, as well as adding new ones in target markets such as St. Louis, Atlanta, Houston and New Orleans. Driving Further Progress: A Strong Team with a Strong Culture We look ahead to 2015 with confidence in our...

  • Page 5
    ... day. It should drive our every decision and every interaction with our customers. With every customer interaction, we have the opportunity to demonstrate our core values and our desire to understand their needs and meet those needs with the best products and services. Regions360â„¢ resonates with...

  • Page 6
    .... Where opportunity abounds...to serve 2.3 million businesses - and help them grow. That's a major player in global commerce...and exports nearly $800 billion in goods annually. With thousands of firms in fast-growing industries...that value specialized expertise in their banking relationships...

  • Page 7
    GET TO KNOW OUR PLACE This is Our Place - the 16 states we serve from Texas to Indiana to Florida - and its progress makes it among the most attractive places to do business in America. For Regions, the positive demographic and economic forces at work in Our Place are a source of strength. Today we'...

  • Page 8
    ... universal bankers are on hand to perform more value-added services. Providing ultimate convenience for customers was key when developing our unmanned concept. Located on major highways with an abundance of traffic, this model has multiple ATM and Video Teller Machines. REGIONS 2014 ANNUAL REVIEW...

  • Page 9
    ...West Lafayette, near the campus of Purdue University. LEARN MORE AT WWW.YOUTUBE.COM/USER/REGIONSFINANCIAL SPECIALIZED WEALTH CAPABILITIES Learn how Regions foresters help landowners increase the productivity of timberland assets. LEARN MORE AT WWW.YOUTUBE.COM/USER/REGIONSFINANCIAL REGIONS 2014...

  • Page 10
    ... office building project finance. Our seasoned group of bankers has significant depth of experience providing healthcare companies with advice on capital structure, risk management and capital markets accessibility. Regions has been a leading bank to the energy and natural resources industry for...

  • Page 11
    ... HOUSTON $216 NEW ORLEANS ST. LOUIS 95 MILLION PASSENGERS; WORLD'S MOST TRAVELED AIRPORT BASED ON PASSENGER VOLUME. BILLION 40% TOURISM ACCOUNTS FOR 40% OF NEW ORLEANS' TAX REVENUE. 3RD LARGEST RAILROAD HUB IN THE U.S. TOTAL MARKET DEPOSITS FOR THE MSA. DALLAS TAMPA #2 INDIANAPOLIS MIAMI...

  • Page 12
    ... E O F TOTAL DEPO SITS IN DEPOSITS 2 REGIONS RANK 7.5% S H A R E O F TOTAL DEPO SITS IN DEPOSITS Growth in Low-Cost Deposits 2012 2013 2014 Deposit Costs 2012 2013 2014 $82,031 $82,777 $85,605 0.30% 0.15% 0.11% 4% Increase ($ in millions) REGIONS 2014 ANNUAL REVIEW 19 bps Improvement 11

  • Page 13
    ... balance." - Patti Loftin, Tampa, FL "Although we work in a fast-paced and production-driven environment, the work culture is a warm family atmosphere that is inclusive for everyone and values the employees' effort to get the job done." -Tyrone Mobley, Birmingham, AL REGIONS 2014 ANNUAL REVIEW...

  • Page 14
    ... a customer visits the Video Teller, they are connected live via video chat to a banker who can perform nearly all of the transactions offered at a branch - from cashing a check to processing a mortgage payment. The service is available during extended hours, including nights and weekends. The Video...

  • Page 15
    ...expand our franchise, broaden our solution set and reach more customers. XX bps Improvement Tangible Common Stockholders' Equity to Tangible Assets* 2012 2013 2014 8.63% 9.24% 9.75% * See Table 2 in Form 10-K for GAAP to non-GAAP reconciliations XX bps Improvement REGIONS 2014 ANNUAL REVIEW 14

  • Page 16
    ... are also available that focus on leadership development, which may last six to nine months. These and other development programs emphasize active learning, peer interaction and a healthy dose of regular self-assessment. Investing in our associates also comes as part of our annual talent management...

  • Page 17
    ... is ranked among the top 30 insurance brokers in the United States, and is the nation's third-largest bank-affiliated insurance agency. In 2014, this business delivered 8% growth in revenues. Currently, with more than 600 employees in 28 offices across 10 states, Regions Insurance is on target to...

  • Page 18
    ... Senior Executive Vice President Chief Financial Officer for Business Operations and Support Operating Committee David R. Keenan Senior Executive Vice President Director of Human Resources Operating Committee Scott M. Peters Senior Executive Vice President Head of Consumer Services Group Operating...

  • Page 19
    ...our cost of conducting business. • Our inability to keep pace with technological changes could result in losing business to competitors. • Our ability to identify and address cyber-security risks such as data security breaches, "denial of service" attacks, "hacking" and identity theft, a failure...

  • Page 20
    ... future developments, new information or otherwise, except as may be required by law. FINANCIAL HIGHLIGHTS (In millions, except per-share data) 2014 2013 2012 EARNINGS SUMMARY Income from continuing operations available to common shareholders Net income available to common shareholders Earnings...

  • Page 21
    ... 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 2015 Annual Meeting of Stockholders of Regions Financial Corporation will be...