Regions Financial Corp

6 Investing in Banker Expansion (1) As of 6/30/2026. Progress includes ~46% completion of incremental banker and revenue-enablement hires, with retail banker reskilling and reallocations largely complete. (2) Growth YTD May '26 vs YTD May '25. Investing in People and Technology Expanding talent and capabilities in markets with greatest opportunity Personalization Powered by AI ☑ CashFlowIQ ☑ RegionsClientIQ • Provides bill payment, accounts payable and receivable, and invoice generation – streamlining all the tools needed to run a business • A machine-learning data product for Commercial and Treasury Management RMs to prioritize client opportunities, plan quality conversations,and flag early credit and client attrition risk ☑ SmallBusinessIQ ☑ Mortgage Analytics Pro • Identifies personalized solutions for small business owners • Insights for mortgage lending officers ☐ Deposit System ☑Core installed/tested, ancillary systems integrated ☐ Comprehensive testing and piloting 2026 ☐ Customer Migration 2027 ☐ General Ledger Investments in Technology ☑ New Native Mobile App ☐ Small Business Digital Origination Platform ☐ Deposits 2H26 ☐ Lending 1H27 ☑ Commercial Loan System ☑ Integration Summer 2026 Modernizing the Customer Experience 84% +40%(2) YTD increase in new commercial logos Generated following investment in more than 60 bankers over the past 18 months +7% Jun YTD increase in small business checking account production Driven by reskilled small business bankers versus 2024 levels $6B Growth in client assets Attributed to new advisors hired over the past three years Early Results Across Our Three Lines of Business... 3-Year Associate Impact ~870 • Hiring ~170 incremental bankers across Middle Market, Small Business, TM, Mortgage, and Wealth • Adding ~100 revenue-enablement roles to support banker productivity • Reskilling and reallocating ~600 retail bankers toward small business and mass affluent customers, primarily across high- growth markets Overall Initiative: ~84% Complete(1) ~ Corporate Consumer Wealth

36 Consumer Bank High Performing, Proven Consumer Business Creating Value for Customers and Shareholders 10,450 Associates 1,246 Branches 1,777 ATMs 4.2M Consumer Customers 365K Small Businesses 382K Mortgage Customers and differentiates us from competition How our model wins Primacy-based acquisition strategy leads to granular, low cost deposits and NIR Industry leading customer experience across channels delivers long tenured, primary relationships and high customer loyalty Focused lending to homeowners drives attractive returns and discipline credit performance Local and people focused culture drives differentiated reputation and market dominance 1 2 3 4 ~70% Top 5 Market share in ~70% of MSAs across 15-state footprint(1) #1 Deposit Cost vs. Peers 16 Top 5 Branch share in 16 of our top 20 markets Regions has served the Southeast for over 170 years: Competitive Advantage Business Outcomes Long standing presence in markets Presence in markets averaging 74 years Enduring organization 20+ years without disruption Differentiated experience Top decile customer experience Strategic market positioning Technology & AI innovation Modern core and proprietary AI tools driving efficiencies and growth (1) Source: S&P Cap IQ. FDIC as of 6/30/2025; pro-forma for announced M&A transactions as of 7/28/2026. Top 5 share based on MSA and non-MSA counties. S&P's demographic data is provided by Claritas based primarily on U.S. Census data. All figures as of 2Q26

37 Consumer Banking Group Driving growth and customer engagement through strategic investments (1) JD Power 2020-2022, and 2024-2026 (tied in 2026) U.S. Banking Online Satisfaction Studies; among banks with $60B to $199B in deposits and 200+ branches, which measures customer satisfaction with financial institutions’ website experience for banking account management. Visit jdpower.com/awards for more details. (2) iOS app store rating. Non-interest bearing deposit balances increased 1% YTD driven by account growth and increased balances within the back book portfolio; Maintained competitive deposit rates while preserving our industry leading deposit costs of 82bps YTD 16% increase YTD in Mortgage production driven by improved market conditions and incremental campaigns to support launch of ARC tool Small Business performance continues to grow; Net checking increased 83 bps YTD; Lending production up 47% YTD; New merchant partnership contributing to 4% increase in referrals YTD Home equity production up 9% YTD with improved utilization; Investments in home equity capabilities have improved pull through by 500 bps Credit card spend YTD growth of 8% driven by account growth and higher spend per account Disciplined credit risk management; 2Q26 Net charge-offs of 63bps; Down 7bps YoY and down 6bps vs 1Q26 J.D. Power(1) ranked Regions Bank #1 in customer satisfaction among regional bank online experiences 6 of the last 7 years Regions Bank ranked 2nd in American Banker’s list of top banks by reputation Regions Bank has been recognized as a Fannie Mae STARTM performer for the 9th consecutive year Top-decile in customer loyalty per Gallup 4.9 out of 5 Mobile app star rating(2) Delivering Solid Customer Satisfaction & Loyalty Launched personalized insights, a new feature that delivers tailored financial insights, proactive notifications, and actionable insights based on real- time account activity Nearing completion of branch redesign efforts, accelerating hiring to support branch transformation initiatives, and advancing engagement with local real estate brokers across 45 high-priority target markets Mass Affluent households have increased 8% YoY while increasing mass affluent market share AI branch coaching tool in pilot with over 2,500 practice simulations Launched ARC (Automated Refinance Calculator) which analyzes +100 million mortgage repricing scenarios to generate customer solutions in under 5 minutes Enhanced fraud detection through new biometrics tool to protect against cyber criminals and expanded deployment of a caller monitoring system in the IVR Strategic Investments Across The Business Continuing to Deliver Strong Results

39 Corporate Banking Group A diversified engine for growth and long-term performance (1) As of 2Q26, Includes Ascentium Capital; (2)Private Companies, Includes Governments, Not-For-Profits; (3) Public & Private Companies, Includes public and privately owned professional real estate companies, developers, and investors Emerging Commercial $5M - $20M Middle Market $20M to $500M Large Corporate $500M - $2B Local and Dedicated Relationship Managers + Digital Local and Dedicated Relationship Managers + Industry & Product Specialists Dedicated Coverage Bankers + Industry Specialists & Strategic / Capital Advisory Clients Coverage Commercial Banking (2) 61,541 Client Relationships (1) 2,838 Associates (1) 170 Local Offices We bring deep local relationships backed by large bank capabilities How our model wins and differentiates us Our strategy begins and ends with Our People • Deeply-Embedded in Local • Tenured Teams & Clients • Brand Stability & Reliability Corporate & Institutional Banking (3) Corporate Banking, Real Estate Banking, Capital Markets Powered ByProcess • Relationship-Led • Local Decisioning • Industry-Relevant Expertise Technology • Over 5 years of AI • Customizable Solutions • Comprehensive Capabilities Out-Scale Regional Competitors Out-Local National Banks

61 Modernization and Innovation Empowered by Data & Innovation Regions remains competitive by reserving ~10-12% of revenue for technology spend Core Banking and Data platform modernization(1) effort to enhance customer experience and agility Next Gen Platforms AI / ML Models that support client advice, analyze customer feedback and mitigate potential financial and client risks AI-Driven Analytics Technology Practices / Ways of Working Modern Authentication Enterprise Data Modernization New Mobile App API EnablementModern Infrastructure Investments in AI / GenAI Payments/Servicing Key Technology Advances Enabling engineers to quickly deliver secure, high-quality features that drive outcomes Delivering secure, seamless digital experiences through adaptive authentication, identity intelligence, and continuous risk assessment Investing in modern data platforms to enhance decision making capabilities • Fit-for-purpose infrastructure • Expanding and Leveraging Cloud Services (AWS, Azure) • ATLAS Gen AI Gateway • Enhancing resiliency to ensure highly available, secure mission critical systems • Expanding use of Event Driven Architecture to support Payments and Core Modernization • ClientIQ - Call Planning Tool for Relationship Managers • Software Developer Co-pilots ROSIE – Personalized product and service offering anticipating customer needs rVoice – Integrated customer feedback aggregation & analysis • Highly scalable payments platform processing over $4T per year • Top 10 ACH Originator in the US • Supporting digital-first payment experiences • Self-service payment capabilities • Reliable and safe payment offerings • Enhanced Navigation • Personalized Insights • Easily Manage Finances • Better Account Maintenance • Fast-growing user base • Higher usage of Zelle and Virtual Assistant Chat features • Digital marketplace to accelerate partner connectivity • Engagement APIs to extend banking services into third-party experiences • Secure, standards-based platform enabling Open Banking and Embedded Finance (1) Deposit system pilot expectations in 2026; Client Migrations in 2027 AI/GenAI-Powered Solutions

62 Core Modernization: Proven Execution, Future Value Creation Successfully launching modern platforms today while creating foundation for future growth, efficiency, and innovation ☑ Drive Growth Enable faster product and pricing deployment, enhance marketing through advanced analytics, and expand partnerships with leading financial service providers. ☑ Advance Strategic Focus Prioritize forward-looking initiatives including Artificial Intelligence, Data Strategy, Personalized Customer Experience, Finance Transformation, and Strategic Payments. ☑ Enhance Risk & Controls Improve risk posture through automated workflows, real-time monitoring, and integrated controls within core platform, while reinforcing business continuity & disaster recovery. ☑ Accelerate Solution Delivery Leverage a modern API architecture to enable faster internal development and embedded banking services across partner ecosystems such as retail platforms, FinTechs, and ERPs. ☑ Mature M&A Capabilities Improve scalability and integration through optimized data conversion and streamlined operational processes. Core Modernization Benefits Commercial Lending Modernization Successfully Delivered ☑ Modern commercial lending servicing platform; consolidation of multiple systems onto one platform ☑ Automated workflows and streamlined servicing ☑ Improved access to lending data and portfolio information ☑ Expanded API and integration capabilities ☑ Enhanced scalability and platform resiliency ☑ Modern data foundation supporting advanced analytics and AI initiatives ☑ Reduced reliance on legacy technology Successfully launched June 1, 2026

63 Compliance Assistance Virtual Experts Copilots (GitHub, Microsoft) Deployed to over 12,000 Associates Intelligent Doc Processing Leveraging AI to proactively detect, prevent, and remediate cybersecurity threats Launched ATLAS in 4Q 2025 • Enterprise-Grade, Governed AI Platform • Scalable Digital Foundation • Model-Agnostic AI Architecture • Operational Efficiency at • Enterprise Scale Harnessing GenAI Foundational Building for Future Growth Active Generative AI Use Cases GenAI Use Cases will be categorized by Patterns Patterns: • Enterprise Knowledge Enablement • Intelligent Document Analysis • Developer Productivity Acceleration • Controlled Automation of Business Processes • AI-Assisted Insights for the Workforce • AI-Powered Cyber Defense Patterns help avoid fragmentation, enhance scalability & maintainability Generative AI Patterns Safe, Secure, Transparent Solutions Generative AI Strategy Guiding Principles: Human in The Loop Design Managed Risk Secure AI Platform Objective: Significant Value from GenAI • Increase Efficiency • Increase Revenue • Mitigation of Client Risk Drivers to Prioritize AI Use Secure AI Platform

15 • Maintained competitive deposit rates driving balance growth of 1% YoY while preserving our industry leading deposit costs of 82bps YTD • Small Business performance continues to grow; Net checking increased 83 bps YTD; Lending production up 47% YoY; new merchant partnership 4% increase in referrals YoY • Home equity production up 9% YoY with improved utilization; investments in home equity capabilities have improved pull through by 500 bps • Mass Affluent households have increased 8% YoY while increasing mass affluent market share • 16% increase in Mortgage production driven by improved market conditions and incremental campaigns to support launch of ARC tool • AI branch coaching tool in pilot with over 2,500 practice simulations • JD Power(2) ranked Regions Bank #1 in customer satisfaction among regional bank online experiences 6 of the last 7 years • Grew average loan balances 6% YoY in 2Q26, with commitments up 7% YoY, reflecting momentum in our local, expertise-driven relationship model • Successfully implemented a new commercial lending platform, enabling real-time processing, operational efficiencies, and mobile-enabled tools that streamline loan origination and servicing activities • Expanded capital markets, municipal finance, and investment banking capabilities through the acquisition of Frazer Lanier, enhancing offerings for public, corporate, and institutional clients • Delivered 37% growth in new commercial logos year- to-date • TM customer penetration of 66.2%, up 40bps YoY; YoY growth in TM relationship of 7% • Strong client relationships supporting liquidity growth, with total client liquidity flat QoQ and up 6% vs Jun ’25 • Ongoing investment in experienced, revenue-producing talent to support growth, with 65 client-facing roles hired since beginning of 2025 Investments in Our Businesses Investments in talent, technology and strategic acquisitions continue to pay off Corporate Consumer • Record Quarter NIR, up 13% YoY, from continued strength in Investment Management & Trust Fees, up 8% YoY, and Investment Services Fee Income, up 23% YoY • 2Q26 average Loan balances up 8% YoY • 2Q26 average Deposits balances up 4% YoY • Over the last 3 years, new advisors have driven ~$6B in client assets growth • Private Wealth Management earned two top industry awards for Best Trust Services by a Private Bank and Best Wealth Planning Execution • Launched the Regions Charitable Fund, a Donor- Advised Funds solution aimed at deepening PWM client relationships • Enhanced client engagement and brand awareness through targeted market campaigns, educational content, and expanded media presence, generating strong digital engagement • Accelerated technology and operational modernization initiatives to improve advisor productivity, client experience, and risk management Wealth (1) Represents Insights driven Projected Revenue Won/Closed as % of Opportunities Won/Closed since Sept 2024 (2) JD Power 2020-2022, and 2024-2026 (tied in 2026) U.S.

6 Investing in Banker Expansion (1) As of 3/31/2026. Progress includes ~43% completion of incremental banker and revenue-enablement hires, with retail banker reskilling and reallocations largely complete. (2) FY25 vs FY24. Investing in People and Technology Expanding talent and capabilities in markets with greatest opportunity Personalization Powered by AI ☑ CashFlowIQ ☑ RegionsClientIQ • Provides bill payment, accounts payable and receivable, and invoice generation – streamlining all the tools needed to run a business • A machine-learning data product for Commercial and Treasury Management RMs to prioritize client opportunities, plan quality conversations,and flag early credit and client attrition risk ☑ SmallBusinessIQ ☑ Mortgage Analytics Pro • Identifies personalized solutions for small business owners • Insights for mortgage lending officers ☐ Deposit System ☑Core installed/tested, ancillary systems integrated ☐ Comprehensive testing and piloting 2026 ☐ Customer Migration 2027 ☐ General Ledger Investments in Technology ☑ New Native Mobile App ☐ Small Business Digital Origination Platform ☐ Deposits Summer 2026 ☐ Lending 2H26 ☐ Commercial Loan System ☐ Integration Summer 2026 Modernizing the Customer Experience 80% >40% Of new relationship originations attributable to priority markets Driven by investments in Commercial and Treasury Management talent +33% Branch banker productivity improvement Enabled by ~600 retail banker reskilling and reallocation >15% Increase in branch referrals to Ascentium and Regions Investment Services (RegIS) Early Results... 3-Year Associate Impact ~870 • Hiring ~170 incremental bankers across Middle Market, Small Business, TM, Mortgage, and Wealth • Adding ~100 revenue-enablement roles to support banker productivity • Reskilling and reallocating ~600 retail bankers toward small business and mass affluent customers, primarily across high- growth markets Overall Initiative: ~80% Complete(1) All Time High in Small Business Customer Satisfaction (2) (2) ~ (2)

35 Consumer Bank High Performing, Proven Consumer Business Creating Value for Customers and Shareholders 10,342 Associates 1,246 Branches 1,779 ATMs 4.2M Consumer Customers 363K Small Businesses 385K Mortgage Customers and differentiates us from competition How our model wins Primacy-based acquisition strategy leads to granular, low cost deposits and NIR Industry leading customer experience across channels delivers long tenured, primary relationships and high customer loyalty Focused lending to homeowners drives attractive returns and discipline credit performance Local and people focused culture drives differentiated reputation and market dominance 1 2 3 4 ~70% Top 5 Market share in ~70% of MSAs across 15-state footprint(1) #1 Deposit Cost vs. Peers 16 Top 5 Branch share in 16 of our top 20 markets Regions has served the Southeast for over 170 years: Competitive Advantage Business Outcomes Long standing presence in markets Presence in markets averaging 74 years Enduring organization 20+ years without disruption Differentiated experience Top decile customer experience Strategic market positioning Technology & AI innovation Modern core and proprietary AI tools driving efficiencies and growth (1) Source: S&P Cap IQ. Top 25 market share as defined by deposit dollars - FDIC as of 6/30/2025; pro-forma for announced M&A transactions as of 2/4/2026. Top 5 share based on MSA and non-MSA counties. S&P's demographic data is provided by Claritas based primarily on U.S. Census data. All figures as of 1Q26

38 Corporate Banking Group A diversified engine for growth and long-term performance (1) As of 1Q26, Includes Ascentium Capital; (2)Private Companies, Includes Governments, Not-For-Profits; (3) Public & Private Companies, Includes public and privately owned professional real estate companies, developers, and investors Emerging Commercial $5M - $20M Middle Market $20M to $500M Large Corporate $500M - $2B Local and Dedicated Relationship Managers + Digital Local and Dedicated Relationship Managers + Industry & Product Specialists Dedicated Coverage Bankers + Industry Specialists & Strategic / Capital Advisory Clients Coverage Commercial Banking (2) 62,121 Client Relationships (1) 2,761 Associates (1) 170 Local Offices We bring deep local relationships backed by large bank capabilities How our model wins and differentiates us Our strategy begins and ends with Our People • Deeply-Embedded in Local • Tenured Teams & Clients • Brand Stability & Reliability Corporate & Institutional Banking (3) Corporate Banking, Real Estate Banking, Capital Markets Powered ByProcess • Relationship-Led • Local Decisioning • Industry-Relevant Expertise Technology • Over 5 years of AI • Customizable Solutions • Comprehensive Capabilities Out-Scale Regional Competitors Out-Local National Banks

60 Modernization and Innovation Empowered by Data & Innovation Regions remains competitive by reserving ~10-12% of revenue for technology spend Core Banking and Data platform modernization(1) effort to enhance customer experience and agility Next Gen Platforms AI / ML Models that support client advice, analyze customer feedback and mitigate potential financial and client risks AI-Driven Analytics Technology Practices / Ways of Working Modern Authentication Enterprise Data Modernization New Mobile App API EnablementModern Infrastructure Investments in AI / GenAI Payments/Servicing Key Technology Advances Enabling engineers to quickly deliver secure, high-quality features that drive outcomes Protecting identities and assets with strong, seamless, reusable authentication Investing in modern data platforms to enhance decision making capabilities • Fit-for-purpose infrastructure • Expanding and Leveraging Cloud Services (AWS, Azure) • ATLAS Gen AI Gateway • Enhancing resiliency to ensure highly available, secure mission critical systems • Expanding use of Event Driven Architecture to support Payments and Core Modernization • ClientIQ - Call Planning Tool for Relationship Managers • Software Developer Co-pilots ROSIE – Personalized product and service offering anticipating customer needs rVoice – Integrated customer feedback aggregation & analysis • Highly scalable payments platform processing over $4T per year • Top 10 ACH Originator in the US • Direct Deposit Switcher Implemented • Self-service payment capabilities • Reliable and safe payment offerings • Open Banking & Embedded Finance • Enhanced Navigation • Easily Manage Finances • Better Account Maintenance • Fast-growing user base • Higher usage of Zelle and Virtual Assistant Chat features • Creates reusable services to speed development and manage change • Improved Efficiency • Enhanced Speed to Market • Secure-by-design APIs & integrations (1) Deposit system pilot expectations in 2026; Client Migrations in 2027 AI/GenAI-Powered Solutions

61 Core Modernization Benefits Enhancing Strategic Capabilities Migrating legacy cores to modern cloud-based platforms enhances strategic capabilities and reduces maintenance effort on outdated systems, allowing greater focus on customer experience ☑ Drive Growth Enable faster product and pricing deployment, enhance marketing through advanced analytics, and expand partnerships with leading financial service providers. ☑ Advance Strategic Focus Prioritize forward-looking initiatives including Artificial Intelligence, Data Strategy, Personalized Customer Experience, Finance Transformation, and Strategic Payments. ☑ Enhance Risk & Controls Improve risk posture through automated workflows, real-time monitoring, and integrated controls within core platform, while reinforcing business continuity & disaster recovery. ☑ Accelerate Solution Delivery Leverage a modern API architecture to enable faster internal development and embedded banking services across partner ecosystems such as retail platforms, FinTechs, and ERPs. ☑ Mature M&A Capabilities Improve scalability and integration through optimized data conversion and streamlined operational processes.

62 Launched ATLAS in 4Q 2025 • Enterprise-Grade, Governed AI Platform • Scalable Digital Foundation • Model-Agnostic AI Architecture • Operational Efficiency at • Enterprise Scale Harnessing GenAI Foundational Building for Future Growth Compliance Assistance Virtual Experts Copilots (GitHub, Microsoft) Deployed to over 12,000 Associates Intelligent Doc Processing Active Generative AI Use Cases GenAI Use Cases will be categorized by Patterns Patterns: • Enterprise Knowledge Enablement • Intelligent Document Analysis • Developer Productivity Acceleration • Controlled Automation of Business Processes • AI-Assisted Insights for the Workforce Patterns help avoid fragmentation, enhance scalability & maintainability Generative AI Patterns Safe, Secure, Transparent Solutions Generative AI Strategy Guiding Principles: Human in The Loop Design Managed Risk Secure AI Platform Objective: Significant Value from GenAI • Increase Efficiency • Increase Revenue • Mitigation of Client Risk Drivers to Prioritize AI Use Secure AI Platform

"Our results reflect the strength of our franchise, the continued momentum of our markets, and our consistent focus on solid execution amid an evolving macroeconomic backdrop. Growth in loans and deposits accelerated during the first quarter, credit metrics continued to improve, and client sentiment remained generally optimistic across our footprint. At the same time, we are making meaningful progress on our core transformation, including key technology and AI investments that are enhancing efficiency and the customer experience, while remaining attentive to near‑term growth drivers. Together, these actions support our confidence to deliver on our strategic priorities throughout the year."

15 • Maintained competitive deposit rates driving balance growth of 1.1% YoY while preserving our industry leading deposit costs of 84bps • Launched ARC (Automated Refinance Calculator) which analyzes +100 million mortgage repricing scenarios to generate customer solutions in under 5 minutes • 33% increase in Mortgage production driven by improved market conditions and incremental campaigns to support launch of ARC tool. • Launched direct deposit switcher providing a seamless, paperless, secure, real-time option for direct deposit enrollment; ~7k successful switches since deployment • Enhanced fraud detection through new biometrics tool to protect against cyber criminals and expanded deployment of a caller monitoring system in the IVR • Launched new partnership with global leader in merchant services processing to bring customers top-tier payments and business solutions; small business referrals up 6% YoY • Enhanced the Mobile App customer experience for rewards and offers as well as Zelle for small business; Mobile Banking Log-ins up 9% YoY and small business Zelle usage up 62% YoY • NIR up 8% YoY, from continued strength in Investment Management & Trust Fees, up 7% YoY, and Investment Services Fee Income, up 14% YoY • 1Q26 average Loan balances up 3% YoY • 1Q26 average Deposits balances up 2% YoY • Launched Crypto ETF Investment Options enhancing our competitiveness and meeting client demand • Formed a new research partnership with a leading provider of industry insights to remain aligned with emerging trends • Named a finalist for Best Regional Private Bank by the Family Wealth Report Awards and recognized by the National Association Plan Advisors as a 2026 Top Defined Contributions Advisor Team (>$100MM AUA) • Showcased thought leadership by delivering +190MM earned media impressions ($1.76MM advertising value equivalent) • 1Q26 average Loan balances up 1.5% YoY; commitments up 5.2% YoY, reflecting momentum in our local, expertise-driven relationship model • TM achieved record quarterly revenue, up 6% QoQ; customer penetration up to 65.8% • Strong client relationships supporting liquidity growth, with total client liquidity up 1% vs Dec ’25 and up 7% vs Mar ’25 • Capital Markets Income ex. CVA up 4% QoQ driven by growth in Syndications, Securities Underwriting, and Swap Income as client relationships continue to strengthen • Ongoing investment in experienced, revenue-producing talent to support growth, with 65 client-facing roles hired since beginning of 2025 • Earned 24 Coalition Greenwich Awards for 2026, ranking 4th nationally, including Best Bank – Values Long-Term Relationships and Best Bank – Advisory Capabilities of RMs in U.S. Small Business and Middle Market Banking • Launched generative AI copilot within RCLIQ, building on existing AI-powered insights that have influenced over 35% of new business(1) Investments in Our Businesses Investments in talent, technology and strategic acquisitions continue to pay off Corporate Consumer Wealth (1) Represents Insights driven Projected Revenue Won/Closed as % of Opportunities Won/Closed since Sept 2024

AI - Artificial Intelligence.

Cybersecurity risks for large financial institutions, such as us, have increased significantly in recent years in part because of the proliferation of technology-based products and services, the increased pace of technological innovation, and the increased sophistication and activities of organized crime, hackers, terrorists, nation-states, nation state-supported actors, activists and other external parties. This increase is expected to continue and further intensify. The techniques used by cyber criminals change frequently, may not be recognized until launched (or may evade detection for considerable time), can be initiated from a variety of sources, including terrorist organizations and hostile foreign governments, and may see their frequency increased, and effectiveness enhanced, by the use of AI. These criminals may attempt to fraudulently induce employees, customers or other users of our systems and networks to disclose sensitive information (including confidential, personal, proprietary and other information) in order to gain access to data or our systems and networks. Third parties with whom we or our customers do business also present operational and cybersecurity risks to us, including cybersecurity or other similar incidents or failures or disruptions of their own systems and networks. While we have successfully defended similar attacks, we could become the subject of a successful similar style attack through a supply chain compromise. As noted above, our operations rely on the secure collection, transmission, storage and other processing of confidential, personal, proprietary and other information in our operating systems and networks. In addition, to access our products and services, our customers may use personal computers, smartphones, tablets and other mobile devices that are beyond our control environment. Additionally, cybersecurity and other similar incidents or terrorist activities could disrupt our or our customers’ or other third parties’ business operations. Although these past events have not resulted in a breach of our client data or account information, such attacks have adversely affected the performance of Regions Bank’s website, www.regions.com, and, in some instances, prevented customers from accessing Regions Bank’s secure websites for consumer and commercial applications. In all cases, the attacks primarily resulted in

The development and use of AI presents risks and challenges that may adversely impact our business.

Similar wording appears in 12 other banks' reports.

We and our third-party vendors, clients or counterparties develop, deploy and incorporate AI technology in certain business processes, services and products. Our current and increasing development, deployment and use of AI presents a number of risks and challenges to our business. The legal and regulatory environment relating to AI is uncertain and rapidly

evolving, both in the U.S. and internationally, and includes regulatory schemes targeted specifically at AI as well as new and existing provisions in intellectual property, privacy, cybersecurity, consumer protection, employment and other laws applicable to the use of AI and changes in interpretation of the foregoing. These evolving laws and regulations could require changes in our implementation of AI technology and increase our compliance costs and the risk of non-compliance. AI models, particularly generative AI models, may, and often do, produce output or take action that is incorrect, that result in the release of personal, confidential or proprietary information, that reflect or introduce discrimination, errors or biases included in the data on which they are trained or prompts or algorithms on which they rely, that infringe on the intellectual property rights of others or that is otherwise harmful. In addition, the complexity of many AI models makes it challenging to understand why they are generating particular outputs. This limited transparency increases the challenges associated with assessing the proper operation of AI models, understanding and monitoring the capabilities of the AI models, reducing erroneous output, eliminating bias and complying with applicable laws and regulations, including those that require documentation or explanation of the basis on which decisions are made. Additionally, if we do not have sufficient rights to use AI models, the data on which they are trained or prompts or algorithms on which they rely or the output thereof, we could also incur liability through the violation of applicable laws and regulations, third-party intellectual property, privacy or other rights or contracts to which we are a party.

Further, we currently rely, and expect to continue to rely, on AI models developed by third parties, and are and would be dependent in part on the manner in which those third parties develop, train and deploy their models, which involves risks arising from any discrimination, errors or bias in the models and the data on which they are trained or prompts or algorithms on which they rely, as well as the risk of inadvertent disclosure or incorporation of our personal, confidential or proprietary information into publicly available training sets. Any of these risks may impact our ability to realize the benefit of such information or adequately maintain, protect and enforce our intellectual property rights, and could result in regulatory compliance failures and otherwise harm our competitive position and business. The use of AI by companies has resulted in, and may in the future result in, systems failures or errors and cyber-attacks or other similar incidents. We may not be able to sufficiently mitigate, remediate or detect any of the foregoing limitations or risks given our and other market participants’ evolving experience with using AI, the pace of technological change, and rapid adoption of AI by our third-party vendors, clients, counterparties or competitors. Any of these risks could expose us to liability or adverse legal or regulatory consequences and harm our reputation and the public perception of our business or the effectiveness of our security measures.

We are also exposed to risks arising from the use of AI technologies by bad actors to commit fraud and misappropriate funds and to facilitate cyber-attacks and other similar incidents. Generative AI, if used to perpetrate fraud or launch cyberattacks or other similar incidents, could create panic at a particular financial institution or securities exchange, which could pose a threat to financial stability.

Moreover, inappropriate or controversial data practices by AI developers and users, or other factors adversely affecting public opinion of AI, could also impair the acceptance of AI. If the AI technology that we incorporate into our business processes, services or products are, or are perceived to be, deficient, inaccurate or controversial, we could suffer operational inefficiencies, competitive harm, legal liability, brand or reputational harm or other adverse impacts on our business, results of operations and financial condition. Additionally, our competitors and other third parties may incorporate AI into their business processes, services and products more quickly or more successfully than us, which could impair our ability to compete effectively and adversely affect our business, results of operations and financial condition.

We utilize quantitative models and machine learning models to assist in measuring risks and estimating or predicting certain financial values. Models may be used in processes such as determining the pricing of various products, grading loans and extending credit, measuring interest rate and other market risks, forecasting financial performance, predicting losses, improving customer services, maintaining adherence to laws and regulations, assessing capital adequacy, calculating regulatory capital levels, preventing fraud, strengthening customer authentication processes, generating marketing analytics, prospecting leads and estimating the value of financial instruments and balance sheet items. Poorly designed, implemented or managed models present the risk that our business decisions that consider information based on such models will be adversely affected due to the inadequacy or inaccuracy of that information, which may lead to losses, damage our reputation and adversely affect our reported financial condition and results of operations. Also, information we provide to the public or to our regulators based on poorly designed, implemented or managed models could be inaccurate or misleading. Some of the decisions that our regulators make, including those related to capital distributions to our shareholders, could be affected adversely due to the perception that the quality of the models used to generate the relevant information is insufficient.

6 Investing in Banker Expansion (1) As of 12/31/2025. Progress includes ~40% completion of incremental banker and revenue-enablement hires, with retail banker reskilling and reallocations largely complete. (2) FY25 vs FY24. Investing in People and Technology Expanding talent and capabilities in markets with greatest opportunity Personalization Powered by AI ☑ CashFlowIQ ☑ CashFlow Advisor • Provides bill payment, accounts payable and receivable, and invoice generation – streamlining all the tools needed to run a business • Provides real-time cash management analysis for clients ☑ SmallBusinessIQ ☑ Mortgage Analytics Pro • Identifies personalized solutions for small business owners • Insights for mortgage lending officers ☐ Deposit System ☑Core installed/tested, ancillary systems integrated ☐ Comprehensive testing and piloting 2026 ☐ Customer Migration 2027 ☐ General Ledger Investments in Technology ☑ New Native Mobile App ☐ Small Business Digital Origination Platform ☐ Deposits Summer 2026 ☐ Lending 2H26 ☐ Commercial Loan System ☐ Integration Summer 2026 Modernizing the Customer Experience 75% >40% Of new relationship originations attributable to priority markets Driven by investments in Commercial and Treasury Management talent +33% Branch banker productivity improvement Enabled by ~600 retail banker reskilling and reallocation >15% Increase in branch referrals to Ascentium and Regions Investment Services (RegIS) Early Results... 3-Year Associate Impact ~870 • Hiring ~170 incremental bankers across Middle Market, Small Business, TM, Mortgage, and Wealth • Adding ~100 revenue-enablement roles to support banker productivity • Reskilling and reallocating ~600 retail bankers toward small business and mass affluent customers, primarily across high- growth markets Overall Initiative: ~75% Complete(1) All Time High in Small Business Customer Satisfaction (2) (2) ~ (2)

12 2025 Overview Continue to deliver consistent, sustainable long-term performance (1) Non-GAAP, see appendix for reconciliation. In certain instances no adjustments have been made and the resulting "adjusted" figure is therefore equal to the reported amount and no reconciliation has been provided. (2) Peers include CFG, CMA, FHN, FITB, HBAN, HWC, KEY, MTB, PNC, SNV, TFC, USB, ZION. Key Performance Metrics 4Q25 FY25 Reported Adjusted(1) Reported Adjusted(1) Net Income Available to Common Shareholders $514M $504M $2,061M $2,090M Diluted Earnings Per Share $0.58 $0.57 $2.30 $2.33 Total Revenue $1,921M $1,921M $7,526M $7,576M Non-Interest Expense $1,098M $1,112M $4,313M $4,331M Pre-Tax Pre-Provision Income(1) $823M $809M $3,213M $3,245M Efficiency Ratio 56.8% 57.5% 56.9% 56.8% Net-Charge Offs / Avg Loans 0.59% 0.59% 0.53% 0.53% Return on Average Tangible Common Equity(1) 17.17% 16.84% 18.25% 18.51% Highlights • Consistently generating top-quartile returns in our peer group(2) • Achieved a record year in Wealth Management and Treasury Management, with Capital Markets delivering its second best year on record, while maintaining disciplined expense management, driving positive operating leverage, and returning capital to shareholders • Advanced modernization initiatives, making significant progress toward a true modern core platform • Delivered a high-performing native mobile app with a 4.9 out of 5 star rating, enhancing customer experience • Invested in critical capabilities, including authentication, data governance, real-time data, and AI to strengthen security, enhance the customer experience, support growth, and improve efficiency • Building momentum heading into 2026 and beyond

34 Consumer Bank High Performing, Proven Consumer Business Creating Value for Customers and Shareholders 9,436 Associates 1,247 Branches 1,786 ATMs 4.2M Consumer Customers 365K Small Businesses 389K Mortgage Customers and differentiates us from competition How our model wins Primacy-based acquisition strategy leads to granular, low cost deposits and NIR Industry leading service across channels delivers long tenured relationships and high customer loyalty Focused lending to homeowners drives attractive returns and credit performance Local and people focused culture drives differentiated reputation and market dominance 1 2 3 4 ~70% Top 5 Market share in ~70% of MSAs across 15-state footprint(1) #1 Deposit Cost vs. Peers 16 Top 5 Branch share in 16 of our top 20 markets Regions has served the Southeast for over 170 years: 16% of households in our legacy states bank with Regions Competitive Advantage Business Outcomes Long standing presence in markets Presence in markets averaging 74 years Enduring organization 20+ years without disruption Differentiated experience Top decile customer experience Strategic market positioning Technology & AI innovation Modern core and proprietary AI tools driving efficiencies and growth (1) Source: S&P Cap IQ. Top 25 market share as defined by deposit dollars - FDIC as of 6/30/2025; pro-forma for announced M&A transactions as of 2/4/2026. Top 5 share based on MSA and non-MSA counties. S&P's demographic data is provided by Claritas based primarily on U.S. Census data. All figures as of 4Q25

36 Corporate Banking Group A diversified engine for growth and long-term performance (1) As of 4Q25, Includes Ascentium Capital; (2)Private Companies, Includes Governments, Not-For-Profits; (3) Public & Private Companies, Includes public and privately owned professional real estate companies, developers, and investors Emerging Commercial $5M - $20M Middle Market $20M to $500M Large Corporate $500M - $2B Local and Dedicated Relationship Managers + Digital Local and Dedicated Relationship Managers + Industry & Product Specialists Dedicated Coverage Bankers + Industry Specialists & Strategic / Capital Advisory Clients Coverage Commercial Banking (2) 64,458 Client Relationships (1) 2,761 Associates (1) 170 Local Offices We bring deep local relationships backed by large bank capabilities How our model wins and differentiates us Our strategy begins and ends with Our People • Deeply-Embedded in Local • Tenured Teams & Clients • Brand Stability & Reliability Corporate & Institutional Banking (3) Corporate Banking, Real Estate Banking, Capital Markets Powered ByProcess • Relationship-Led • Local Decisioning • Industry-Relevant Expertise Technology • Over 5 years of AI • Customizable Solutions • Comprehensive Capabilities Out-Scale Regional Competitors Out-Local National Banks

38 Highland Associates inaugural Voice of Client Survey resulted in overwhelmingly positive feedback and scores: primary consultants receiving a rating of 5 / 5 by clients PWM team displayed client trust and reliability, reflected in annual Voice of Client Survey; 91% of PWM clients awarded their primary point of contact a 5 out of 5 General Satisfaction: 4.64 / 5 Likelihood to Recommend: 4.58 / 5 Likelihood to Continue to Use: 4.71 / 5 Expanded reach through approximately 1M earned media impressions, 7.8% growth in social following, and above-benchmark email engagement, collectively strengthening client touchpoints, visibility, and trust. Driving Innovation Through AI within Wealth Management: In 2025, we strengthened our AI strategy by creating a structured process to identify and evaluate new use cases, which included the onboarding of two vendors Strengthened data-driven decision making through development of RegIS segmentation data, providing improved customer insights to help support growth strategies Continued to grow and build out our Associate Advisor Program for new hire advisors by holding cohort meetings to help expand knowledge and build relationships amongst the team Simplified Wealth Management Cash Transactions by positioning Regions as the primary incoming cash agent on our Wealth platform Regions Investment Management awarded 2025 Best Place to Work Record quarterly NIR(1) in 4Q25 with QoQ growth of 3%, driven by strong production and improved market conditions Growing Net Income Before Taxes with an increase of 10% QoQ driven by growth in Total Revenue Assets Under Administration increased 7% YoY driven by IM&T Sales and improved equity market conditions Grew Total Investment Services Assets +$2.7B or 13%, YoY Average Loans up 4% YoY driven by growth in Investor Real Estate and Commercial Loans Delivered Strong Results Strategic Investments & Data Analytics Customer Experience & Communication Wealth Management Group Focus on execution & investments to optimize the client and associate experience (1) NIR includes the top of company portion of service charges on deposit accounts and similar smaller dollar amounts that are also attributable to the WM Segment.

58 Modernization and Innovation Empowered by Data & Innovation Regions remains competitive by reserving ~10-12% of revenue for technology spend Core Banking and Data platform modernization(1) effort to enhance customer experience and agility Next Gen Platforms AI / ML Models that support client advice, analyze customer feedback and mitigate potential financial and client risks AI-Driven Analytics Technology Practices / Ways of Working Modern Authentication Open Banking / Embedded Finance New Mobile App API EnablementModern Infrastructure Investments in AI / GenAI Payments/Servicing Key Technology Advances Enabling engineers to quickly deliver secure, high-quality features that drive outcomes Protecting identities and assets with efficient, reusable authentication Real-time banking integrations enable secure data sharing and seamless financial experiences • Fit-for-purpose infrastructure • Expanding and Leveraging Cloud Services (AWS, Azure) • ATLAS Gen AI Gateway • ClientIQ - Call Planning Tool for Relationship Managers • Software Developer Co-pilots ROSIE – Personalized product and service offering anticipating customer needs rVoice – Integrated customer feedback aggregation & analysis • Highly scalable payments platform processing over $4T per year • Top 10 ACH Originator in the US • Direct Deposit Switcher Implemented • Self-service payment capabilities • Reliable and safe payment offerings • Open Banking & Embedded Finance • Enhanced Navigation • Easily Manage Finances • Better Account Maintenance • Fast-growing user base • Higher usage of Zelle and Virtual Assistant Chat features • Target State Architecture • Creates reusable services to speed development and manage change • Improved Efficiency • Enhanced Speed to Market (1) Deposit system pilot expectations in 2026; Client Migrations in 2027 AI/GenAI-Powered Solutions

59 Core Modernization Benefits Enhancing Strategic Capabilities Migrating legacy cores to modern cloud-based platforms enhances strategic capabilities and reduces maintenance effort on outdated systems, allowing greater focus on customer experience ☑ Drive Growth Enable faster product and pricing deployment, enhance marketing through advanced analytics, and expand partnerships with leading financial service providers. ☑ Advance Strategic Focus Prioritize forward-looking initiatives including Artificial Intelligence, Data Strategy, Personalized Customer Experience, Finance Transformation, and Strategic Payments. ☑ Enhance Risk & Controls Improve risk posture through automated workflows, real-time monitoring, and integrated controls within core platform, while reinforcing business continuity & disaster recovery. ☑ Accelerate Solution Delivery Leverage a modern API architecture to enable faster internal development and embedded banking services across partner ecosystems such as retail platforms, FinTechs, and ERPs. ☑ Mature M&A Capabilities Improve scalability and integration through optimized data conversion and streamlined operational processes.

60 Launched ATLAS in 4Q 2025 • Secure AI Platform • Foundation for Scale, Easy Expansion • Multiple LLM* access • Process Efficiency Harnessing GenAI Foundational Building for Future Growth Compliance Assistance Complex Regulatory Analysis & Insights Virtual Experts Complex Regulatory Analysis & Insights Copilots (GitHub, Microsoft) Complex Regulatory Analysis & Insights Deployed to over 12,000 Associates Intelligent Doc Processing Complex Regulatory Analysis & Insights Active Generative AI Use Cases GenAI Use Cases will be categorized by Patterns and Blueprints Patterns: • Knowledge Management & Retrieval • Document Processing & Analysis • Code Generation & Developer Productivity • Intelligent Automation • Prompt-Driven Insights & Task Enablement Patterns / Blueprints help avoid fragmentation, enhance scalability & maintainability Generative AI Patterns & Blueprints Safe, Secure, Transparent Solutions Generative AI Strategy Guiding Principles: Human in The Loop Design Managed Risk Secure AI Platform Objective: Significant Value from GenAI • Increase Efficiency • Increase Revenue • Mitigation of Client Risk Drivers to Prioritize AI Use *Large Language Model Secure AI Platform

2 2025 Overview Continue to deliver consistent, sustainable long-term performance (1) Non-GAAP, see appendix for reconciliation. In certain instances no adjustments have been made and the resulting "adjusted" figure is therefore equal to the reported amount and no reconciliation has been provided. (2) Peers include CFG, CMA, FHN, FITB, HBAN, HWC, KEY, MTB, PNC, SNV, TFC, USB, ZION. Key Performance Metrics 4Q25 FY25 Reported Adjusted(1) Reported Adjusted(1) Net Income Available to Common Shareholders $514M $504M $2,061M $2,090M Diluted Earnings Per Share $0.58 $0.57 $2.30 $2.33 Total Revenue $1,921M $1,921M $7,526M $7,576M Non-Interest Expense $1,098M $1,112M $4,313M $4,331M Pre-Tax Pre-Provision Income(1) $823M $809M $3,213M $3,245M Efficiency Ratio 56.8% 57.5% 56.9% 56.8% Net-Charge Offs / Avg Loans 0.59% 0.59% 0.53% 0.53% Return on Average Tangible Common Equity(1) 17.17% 16.84% 18.25% 18.51% Highlights • Consistently generating top-quartile returns in our peer group(2) • Achieved a record year in Wealth Management and Treasury Management, with Capital Markets delivering its second best year on record, while maintaining disciplined expense management, driving positive operating leverage, and returning capital to shareholders • Advanced modernization initiatives, making significant progress toward a true modern core platform • Delivered a high-performing native mobile app with a 4.9 out of 5 star rating, enhancing customer experience • Invested in critical capabilities, including authentication, data governance, real-time data, and AI to strengthen security, enhance the customer experience, support growth, and improve efficiency • Building momentum heading into 2026 and beyond

16 • Record year for NIR, up 10% YoY, with four consecutive increasing quarters; 4Q25 up 2.6% QoQ • 4Q25 average Loan balances up 4.9% QoQ • 4Q25 average Deposits balances up 7.5% QoQ • Driving Innovation Through AI within Wealth Management: In 2025, we strengthened our AI strategy by creating a structured process to identify and evaluate new use cases, which included the onboarding of two vendors • Simplified Wealth Management Cash Transactions by positioning Regions as the primary incoming cash agent on our Wealth platform • Awarded 2025 Best Place to Work by Pension & Investments, fifth consecutive year to be recognized in the category for Regions Investment Management • Inaugural Voice of the Client survey established and fielded for Highland Associates, resulting in 100% of consultants receiving 5/5 ratings • 3rd highest revenue year in history including highest debit card interchange revenue since the implementation of Reg II • Maintained competitive headline deposit rates driving balance growth while preserving our industry leading deposit cost advantage • Launched direct deposit switcher providing a seamless, paperless, secure, real-time option for direct deposit enrollment • Digital channel YTD checking growth of 15% from digital funnel improvements • Mobile App users increased 2% YoY; New Mobile App launch complete. Early customer feedback is strong, and usage of key functionality like Zelle and chat at all time highs • Launched a new partnership with a global leader in merchant services processing to bring customers access to top-tier payments and business management solutions • Reskilled ~600 bankers to align talent depth with opportunity; Early results point to a 33% improvement in productivity • Record Treasury Management revenue up 6.2% vs. 2024 driven by investments in talent and innovation, launching award-winning Embedded ERP Finance and advanced receivables platforms, and expanding healthcare payments and merchant services through strategic partnerships • Executing ahead of plan on Emerging Commercial banker hiring, completing 69% of initiative roles while advancing Small Business growth with combined year-over-year gains in SBA and Ascentium small-dollar lending of 5% • Deep client relationships continue to drive liquidity strength with total client liquidity increasing 8.1% vs. 2024 • AI-driven platforms powering banker enablement, TM implementation, and client onboarding, driving 35% of new business opportunities and expected to boost productivity by 20% • 2nd highest revenue year in Capital Markets, with 10% growth in Left Lead relationships contributing to a 20% increase in syndication revenue Investments in Our Businesses Investments in talent, technology and strategic acquisitions continue to pay off Corporate Consumer Wealth

14 Over the next 3 years, will invest in Talent across the Footprint in key areas of opportunity: By hiring and converting skilled Bankers with local market expertise Commercial and Middle Market Associates ~90 Increase in Middle Market, Small Business Relationship Managers, & TM Bankers Consumer and Wealth ~300 Reskilling Branch Sales Bankers to Focus on Small Business Opportunities ~300 Reallocating Branch Bankers to Optimized Markets with Greatest Growth Potential ~50 Incremental Mortgage Loan Originators ~30 Incremental Wealth Associates Revenue Enablement ~100 Incremental Revenue Enablement roles supporting existing Bankers, including bankers above. Note - Hiring initiatives remain on track: ~64 incremental bankers and revenue enablement roles have been added through 9/30/2025; ~85% complete with reskilling and reallocating Branch Bankers Investing in Banker Expansion (1) Provides bill payment, accounts payable and receivable, and invoice generation – streamlining all the tools needed to run a business. (2) Provides real-time cash management analysis for clients. (3) Identifies personalized solutions for small business owners. (4) Insights for mortgage lending officers. (5) Small Business defined as companies with $0M-$5M in annual revenue. Growth represents average deposit FY19 through FY24. (6) Dunn & Bradstreet. Priority markets include: Tampa, Orlando, Miami/SFL, Houston, Dallas/FW, Nashville, Atlanta, and Huntsville. Investing in People and Technology Growth: Expanding talent and capabilities in markets with greatest opportunity ☐ Core Modernization ☐ Commercial Loan System ☐ Deposit System ☐ General Ledger ☑ New Native Mobile App ☐ Small Business Digital Fulfillment Platform Investments in Technology Personalization Powered by AI ☑ CashFlowIQ(1) ☑ CashFlow Advisor(2) ☑ SmallBusinessIQ(3) ☑ Mortgage Analytics Pro(4) Small Business Opportunity ~12M Small Business Companies in Regions' Footprint (~400k RF customers today driving $2.6B or 30% avg. deposit growth since '19; $1.1B or 41% within priority growth markets)(5)(6) ~5M in priority markets

18 Consumer Bank High Performing, Proven Consumer Business Creating Value for Customers and Shareholders 9,300 Associates 1,248 Branches 1,874 ATMs 4.2M Consumer Customers 365K Small Businesses 395K Mortgage Customers and differentiates us from competition How our model wins Primacy-based acquisition strategy leads to granular, low cost deposits and NIR Industry leading service across channels delivers long tenured relationships and high customer loyalty Focused lending to homeowners drives attractive returns and credit performance Local and people focused culture drives differentiated reputation and market dominance 1 2 3 4 ~70% Top 5 Market share in ~70% of MSAs across 15-state footprint(1) #1 Deposit Cost vs. Peers 16 Top 5 Branch share in 16 of our top 20 markets Regions has served the Southeast for over 170 years: 16% of households in our legacy states bank with Regions Competitive Advantage Business Outcomes Long standing presence in markets Presence in markets averaging 74 years Enduring organization 20+ years without disruption Differentiated experience Top decile customer experience Strategic market positioning Technology & AI innovation Modern core and proprietary AI tools driving efficiencies and growth (1) Source: S&P Cap IQ. Top 25 market share as defined by deposit dollars - FDIC as of 6/30/2025; pro-forma for announced M&A transactions as of 10/31/2025. Top 5 share based on MSA and non-MSA counties. S&P's demographic data is provided by Claritas based primarily on U.S. Census data.

19 • 600+ bankers re-positioned to high opportunity geographies and customer segments (~300 dedicated to small business) • 1,300 internal career advancements YTD from branch associates • ~276,000 banker training and ~95,000 professional development hours annually; expanding use of AI simulators Our Strategy is Built on Continuous Improvement Evolving and enhancing our capabilities to continue to grow with our markets We go-to-market offering “big bank” capabilities with “local bank” delivery. We do that consistently by having an always-on approach to investing in people, place, process, and partnerships. People We invest in talent and empower our teams to drive performance with unique tools and skills. • 200k quantifiable banker hours saved annually through automation • Delivering personalized Greenprints© plans to our customers; on track to complete 400k by EOY • Delivering over 2B personalized offers annually through our proprietary marketing engine ROSIE Process We invest in driving operational rigor and continuous improvement in all we do. We’re not new to competition. Competing makes us better. And continuously improving every day has helped us earn the trust of generations of customers. • Optimizing our branch network –touch all branches every year and grow smartly where our markets are moving (3 for 1, 2 for 1) • Always on expansion of our digital channels, including new mobile app, advanced contact center telephony, small business digital offerings Place We invest in our channels to ensure we are available when and where our customers need us. • Launching new partnerships such as direct deposit switcher and mortgage servicing acquisitions • Delivering 33k approved referrals to internal partners through R360 YTD Partnerships We invest in partnerships that matter to our customers to expand capabilities and deliver greater value.

22 Corporate Banking Group A diversified engine for growth and long-term performance (1) As of 3Q25, Includes Ascentium Capital; (2)Private Companies, Includes Governments, Not-For-Profits; (3) Public & Private Companies, Includes public and privately owned professional real estate companies, developers, and investors Emerging Commercial $5M - $20M Middle Market $20M to $500M Large Corporate $500M - $2B Local and Dedicated Relationship Managers + Digital Local and Dedicated Relationship Managers + Industry & Product Specialists Dedicated Coverage Bankers + Industry Specialists & Strategic / Capital Advisory Clients Coverage Commercial Banking (2) 66,200 Client Relationships (1) 2,814 Associates (1) 170 Local Offices We bring deep local relationships backed by large bank capabilities How our model wins and differentiates us Our strategy begins and ends with Our People • Deeply-Embedded in Local • Tenured Teams & Clients • Brand Stability & Reliability Corporate & Institutional Banking (3) Corporate Banking, Real Estate Banking, Capital Markets Powered ByProcess • Relationship-Led • Local Decisioning • Industry-Relevant Expertise Technology • Over 5 years of AI • Customizable Solutions • Comprehensive Capabilities Out-Scale Regional Competitors Out-Local National Banks

24 Expanding reach, capabilities, and advisory depth Acquisition Date: December 2021 Acquisition Date: December 2021 Acquisition Date: April 2020 Our Core is the Foundation of our Growth and Confidence Consistent execution, client-centric strategy and targeted acquisitions driving results Momentum built on a sound foundation: core strength driving growth, delivering results A disciplined model driving efficient growth, fee impact, and balanced returns Core Foundation Cost efficiency in Corporate and Commercial Banking exceeds peer medians, with REB in line with benchmarks(1) ~75% of growth from clients with Regions for 5+ years 64% Stronger RM Revenue productivity than industry median(1) 124 bps TM fee revenue per deposit volume, nearly 3x the peer benchmark(1) Acquisitions Expanding talent and capabilities in markets with the greatest opportunity Strategic Investments Talent Expansion Capital Markets Income up 22% vs. 2Q25, marking the highest quarterly performance to date(2) (1) Source: BCG (2) Vs 2Q25 excluding CVA/DVA (3) Represents ending loan balance from June 2020 to Sept 2025; Represents held volume 4/1/2020 through 9/30/2025 (4) Represents Insights Projected Revenue Won/Closed as % of Opportunities Won/Closed Sept 2024–Aug 2025 (5) Represents Music, Foreign Direct Investment, MRE, Freddie Mac, NMTC, Subscription Lines, ACRE initiatives High Impact RM Revenue Generation Deep & Loyal Client Relationships Top-quartile TM Fee Revenue Better Efficiency Capital Markets Strength AI & Data Driven Insights TM Innovation Expanded Capabilities Small Business Momentum ☑ ☑ ☑ ☑ ☑ Clearsight, Sabal, and BlackArch contributed ~30% of Capital Markets revenue from 2022–2024☑ 42% Ascentium Loan balance growth since acquisition with $7.2B in held loan volume (3) ☑ Over 35% of new business opportunities supported by AI-powered insights(4) Adding ~90 Revenue Producers over next 3 years Award-winning Embedded Enterprise Resource Planning finance and advanced receivables platforms elevating digital leadership 7 investments drove 66% CAGR since 2022, now 5% of 2025 revenue (5) SBA production up 31% YoY through Q3 driven by strong banker performance & market investments Regions Real Estate Capital Markets earned 2024 Fannie Mae Top 5 DUS Structured Transactions Provider☑ Acquisition Date: October 2015

25 Our Stability Drives Confidence Our Model is Built to Win Capturing share through disciplined execution and relevance across all client sizes Leading with stability, trust, and strategic investments Winning where it matters most ☑ Proven performance with disciplined risk posture ☑ 2025 Datos Insights Gold Winner- Embedded ERP Innovation ☑ Modernizing core platforms and infrastructure ☑ Reliability and stability with over 20 years of growth without bank M&A ☑ 2024 Presidential Award Export Support ☑ Hiring ahead in high- growth markets and segments ☑ Long-standing and deep southeast market presence with local decisioning ☑ 2023 Greenwich Excellence Awards – Cash Management ☑ Supporting Small Businesses ☑ Experienced teams delivering consistent client outcomes ☑ #1 SBA Export Lender – 5 Consecutive Years ☑ Expanding relevance in Treasury Management ☑ Strong relationship depth and loyalty with avg. client tenure of ~30 years ☑ Rising digital adoption and client engagement ☑ Accelerating process efficiencies with AI + Digital Our Clients’ Trust Earns Recognition Our Investments Enable Expansion (1) New Clients Acquired, 2020-2025; (2) Average Revenue Per Client, 2022 vs. 2025; (3) Average Year-One Revenue per Client from Won & Closed Opportunities, 2022 vs. 2025; (4) Year-over-Year Client Growth, June 2025 vs. June 2024 Capturing share where opportunity is deepest… …While deepening existing relationships +25% +36% +10% Increase in Total Revenue per Client(2) More Revenue per Client Engagement(3) Growth in Treasury Management clients(4) By Client Tier Company Segment % New Clients(1) $5M - $20M +18% $20M - $500M +23% $500M - $2B +26% $2B+ +24% By Market (% Distribution of New Clients) Our business is positioned to outperform in a shifting landscape of disruption

28 Modernization and Innovation Empowered by Data & Innovation Regions remains competitive by reserving ~9-11% of revenue for technology spend Core Banking and Data platform modernization(1) effort to enhance customer experience and agility Next Gen Platforms AI / ML Models that support client advice, analyze customer feedback and detects and prevents fraud AI-Driven Analytics Technology Practices / Ways of Working Modern Authentication Open Banking / Embedded Finance New Mobile App API EnablementModern Infrastructure Investments in AI / GenAI Payments Key Technology Advances Enabling engineers to quickly deliver secure, high-quality features that drive outcomes Protecting identities and assets with efficient, reusable authentication Real-time banking integrations enable secure data sharing and seamless financial experiences • Fit-for-purpose infrastructure • Expanding and Leveraging Cloud Services (AWS, Azure) • ATLAS Gen AI Gateway • ClientIQ - Call Planning Tool for Relationship Managers • Software Developer Co-pilots ROSIE – Personalized product and service offering anticipating customer needs rVoice – Integrated customer feedback aggregation & analysis • Highly scalable payments platform processing over $4T per year • Top 10 ACH Originator in the US • Self-service payment capabilities • Reliable and safe payment offerings • Open Banking & Embedded Finance • Enhanced Navigation • Easily Manage Finances • Better Account Maintenance • Fast-growing user base • Higher usage of Zelle and Virtual Assistant Chat features • Target State Architecture • Creates reusable services to speed development and manage change • Improved Efficiency • Enhanced Speed to Market (1) Deposit system pilot expectations in 2026; Client Migrations in 2027 GenAI-Powered Solutions

25 Over the next 3 years, will invest in Talent across the Footprint in key areas of opportunity: By hiring and converting skilled Bankers with local market expertise Commercial and Middle Market Associates ~90 Increase in Middle Market, Small Business Relationship Managers, & TM Bankers Consumer and Wealth ~300 Reskilling Branch Sales Bankers to Focus on Small Business Opportunities ~300 Reallocating Branch Bankers to Optimized Markets with Greatest Growth Potential ~50 Incremental Mortgage Loan Originators ~30 Incremental Wealth Associates Revenue Enablement ~100 Incremental Revenue Enablement roles supporting existing Bankers, including bankers above. Note - Hiring initiatives remain on track: ~64 incremental bankers and revenue enablement roles have been added through 9/30/2025; ~85% complete with reskilling and reallocating Branch Bankers Investing in Banker Expansion (1) Provides bill payment, accounts payable and receivable, and invoice generation – streamlining all the tools needed to run a business. (2) Provides real-time cash management analysis for clients. (3) Identifies personalized solutions for small business owners. (4) Insights for mortgage lending officers. (5) Small Business defined as companies with $0M-$5M in annual revenue. Growth represents average deposit FY19 through FY24. (6) Dunn & Bradstreet. Priority markets include: Tampa, Orlando, Miami/SFL, Houston, Dallas/FW, Nashville, Atlanta, and Huntsville. Investing in People and Technology Growth: Expanding talent and capabilities in markets with greatest opportunity ☐ Core Modernization ☐ Commercial Loan System ☐ Deposit System ☐ General Ledger ☑ New Native Mobile App ☐ Small Business Digital Origination Platform Investments in Technology Personalization Powered by AI ☑ CashFlowIQ(1) ☑ CashFlow Advisor(2) ☑ SmallBusinessIQ(3) ☑ Mortgage Analytics Pro(4) Small Business Opportunity ~12M Small Business Companies in Regions' Footprint (~400k RF customers today driving $2.6B or 30% avg. deposit growth since '19; $1.1B or 41% within priority growth markets)(5)(6) ~5M in priority markets

14 Over the next 3 years, will invest in Talent across the Footprint in key areas of opportunity: By hiring and converting skilled Bankers with local market expertise Commercial and Middle Market Associates ~90 Increase in Middle Market, Small Business Relationship Managers, & TM Bankers Consumer and Wealth ~300 Reskilling Branch Sales Bankers to Focus on Small Business Opportunities ~300 Reallocating Branch Bankers to Optimized Markets with Greatest Growth Potential ~50 Incremental Mortgage Loan Originators ~30 Incremental Wealth Associates Revenue Enablement ~100 Incremental Revenue Enablement roles supporting existing Bankers, including bankers above. Note - Hiring initiatives remain on track: ~51 incremental bankers and revenue enablement roles have been added through 7/31/2025; ~75% complete with reskilling and reallocating Branch Bankers Investing in Banker Expansion (1) Provides bill payment, accounts payable and receivable, and invoice generation – streamlining all the tools needed to run a business. (2) Provides real-time cash management analysis for clients. (3) Identifies personalized solutions for small business owners. (4) Insights for mortgage lending officers. (5) Small Business defined as companies with $0M-$5M in annual revenue. Growth represents average deposit FY19 through FY24. (6) Dunn & Bradstreet. Priority markets include: Tampa, Orlando, Miami/SFL, Houston, Dallas/FW, Nashville, Atlanta, and Huntsville. Investing in People and Technology Growth: Expanding talent and capabilities in markets with greatest opportunity ☐ Core Modernization ☐ Commercial Loan System ☐ Deposit System ☐ General Ledger ☑ New Native Mobile App ☐ Small Business Digital Origination Platform Investments in Technology Personalization Powered by AI ☑ CashFlowIQ(1) ☑ CashFlow Advisor(2) ☑ SmallBusinessIQ(3) ☑ Mortgage Analytics Pro(4) Small Business Opportunity ~12M Small Business Companies in Regions' Footprint (~400k RF customers today driving $2.6B or 30% avg. deposit growth since '19; $1.1B or 41% within priority growth markets)(5)(6) ~5M in priority markets

19 Showcasing our thought leadership; PWM Insights Emails focused on timely and relevant content showed a click-through rate (CTR) increase YoY; Institutional Services emails, grew CTR from 1.7% to 5.5% YoY HELOC utilization campaign resulted in $6M increase in client balances 86% of Institutional Services clients rated their overall satisfaction with the highest rating of a 5 or Completely Satisfied Driving Awareness through social media • Successful launch of social media platform integration for Wealth Associates • Digital impressions of 9M resulting in 25% YoY increase in Wealth Guides Private Wealth Management awarded two top of industry awards • Best Trust Services by a Private Bank • Best Wealth Planning Execution Record quarterly NIR(1) in 2Q25 with YoY growth of $10.3M, or 8%, driven by strong production and improved market conditions Assets Under Administration increased 3% QoQ driven by IM&T Sales and improved equity market conditions Grew Total Investment Services Assets +$2.4B or 12%, YoY 2Q25 Average Loans up 2% YoY driven by growth in Investor and Owner Occupied Real Estate, and Commercial Loans Delivered Strong Results GEN AI use case in demo environment. The Wealth Manager POC will reduce the manual collection of information by delivering efficiencies in workflows and AI generated summary reports to RAM Portfolio Management Group and Highland Associates Leveraging new tools to drive enhancements to Advisor CRMs leading to improvements in both experience and efficiency Introduced new cloud-based portal to improve infrastructure of existing and future WM applications Introduced new internal trading tool (Internal Trade Request) to small group of associates for testing; ITR will allow for a greater scale in execution of trade activities Strategic Investments & Data Analytics Customer Experience & Communication Wealth Management Group Focus on execution & investments to optimize the client and associate experience (1) NIR includes the top of company portion of service charges on deposit accounts and similar smaller dollar amounts that are also attributable to WM.

21 Modernization & Innovation Next Gen Platforms Next Generation of Customer Experience and Core Banking and Data Platforms Modernization efforts began in 2021 with runway through 2027 to complete the overall program We deployed a new best-in-class mobile app for our customers on iOS and Android platforms. These technologies allow us to create a more engaging user interface that also opens up new ways to continually improve our app's product offerings and drive customer experience. AI-Driven Fraud Analytics Machine learning/artificial intelligence models that detect and prevent fraud to protect the customer, the bank and its shareholders Technology Practices and Ways of Working We are building tools and environment that empower engineering teams to build, test, and deploy secure, high- quality software efficiently and confidently – ultimately driving better business outcomes Modern Authentication Experience Securing Customer Trust by Safeguarding Client identities and organizational assets through efficient, reusable authentication solutions that support continued risk-aware growth Open Banking and Embedded Finance Delivering real-time integration of banking services into client’s ERP systems and enabling secure consumer- permissioned data sharing. Built on an API-first architecture, it streamlines cash flow management, enhances visibility, and empowers faster decisions-connecting businesses and consumers through seamless, secure financial experiences. Data Governance Adaptive data governance based on risk level to ensure continued confidence and trust in our data Empowered by Data & Innovation Regions remains competitive by reserving ~9–11% of revenue for technology spend ROSIE Personalized offering of products and services anticipating customer needs Regions360 Regions’ mission to Make Life Better is simple, customer focused, and demonstrated through Regions360, which puts customer focused culture into practice RCLIQ(1), Wealth IQ(2), & sbIQ(3) Empowering our Corporate, Wealth, and Consumer bankers with AI-driven insights to deliver personalized customer service Offer Tracker Leverage data & insights for a dynamic, engaging, and transparent customer journey to increase success of offers to drive bottom-line production while enhancing customer experience and retention rVoice Integrates customer feedback with institutional knowledge to measure customer experience by understanding customer's expectations, preferences, and aversions across various channels enabling us to drive improved customer satisfaction (1) RCLIQ is a machine learning based data product used by Corporate Banking Relationship managers to find new opportunities, predict share of wallet deepening activities as well as early warning of credit deterioration and attrition risk. (2) Wealth IQ is a machine learning based data product designed to provide better advice and guidance to wealth clients by delivering insights based on client activity, attrition alerts, and other opportunities. (3) sbIQ is a data product that delivers insights and recommendations about our small business clients to Retail associates using advanced analytics and machine learning models.

25 Over the next 3 years, will invest in Talent across the Footprint in key areas of opportunity: By hiring and converting skilled Bankers with local market expertise Commercial and Middle Market Associates ~90 Increase in Middle Market, Small Business Relationship Managers, & TM Bankers Consumer and Wealth ~300 Reskilling Branch Sales Bankers to Focus on Small Business Opportunities ~300 Reallocating Branch Bankers to Optimized Markets with Greatest Growth Potential ~50 Incremental Mortgage Loan Originators ~30 Incremental Wealth Associates Revenue Enablement ~100 Incremental Revenue Enablement roles supporting existing Bankers, including bankers above. Note - Hiring initiatives remain on track: ~40 incremental bankers and revenue enablement roles have been added through 6/30/2025; ~70% complete with reskilling and reallocating Branch Bankers Investing in Banker Expansion (1) Provides bill payment, accounts payable and receivable, and invoice generation – streamlining all the tools needed to run a business. (2) Provides real-time cash management analysis for clients. (3) Identifies personalized solutions for small business owners. (4) Insights for mortgage lending officers. (5) Small Business defined as companies with $0M-$5M in annual revenue. Growth represents average deposit FY19 through FY24. (6) Dunn & Bradstreet. Priority markets include: Tampa, Orlando, Miami/SFL, Houston, Dallas/FW, Nashville, Atlanta, and Huntsville. (7) As of June 30, 2025. Investing in People and Technology Growth: Expanding talent and capabilities in markets with greatest opportunity ☐ Core Modernization ☐ Commercial Loan System ☐ Deposit System ☐ General Ledger ☐ New Native Mobile App (Roll-out in progress) ☐ Small Business Digital Origination Platform Investments in Technology Personalization Powered by AI ☑ CashFlowIQ(1) ☑ CashFlow Advisor(2) ☑ SmallBusinessIQ(3) ☑ Mortgage Analytics Pro(4) Small Business Opportunity ~12M Small Business Companies in Regions' Footprint (~400k RF customers today driving $2.6B or 30% avg. deposit growth since '19; $1.1B or 41% within priority growth markets)(5)(6) ~5M in priority markets

27 • Record 2Q25 NIR, up 1.2% QoQ • Relationship growth of 8.3%(2) • Investing in our Associates through our Next Level Advisor Development Program • Completion of new cloud-based portal to improve infrastructure of existing and future WM applications • Leveraging new tools to drive enhancements to Advisor CRMs leading to improvements in both experience and efficiency • Fully launched social media program for client-facing associates to deliver compliant content through LinkedIn • New head of Regions Investment Services named; Brandon Greve Investments in Our Businesses Investments in talent, technology and strategic acquisitions continue to pay off • Driving growth in our priority and core markets by adding resources within Treasury Management and Commercial Banking • Treasury Management revenue increased 8.1% YTD, driven by client base growth of 10.2%(1) • Capital Markets income up 4% QoQ driven by higher M&A activity and RECM originations • Ascentium Capital 1H25 loan production is up 12% YoY, contributing to growth are transactions originated through cross-marketing relationships with the Commercial Bank & Branch network • Leveraging advanced technology including Natural Language Processing to efficiently screen public filings to evaluate 18K+ product opportunities for large corporate clients Corporate • Growing and retaining primary relationships by reskilling ~300 bankers to focus on small business opportunities and reallocating ~300 bankers to align talent depth with highest opportunity across key customer segments • Delivering on localized strategies leveraging key sponsorships and campus activations including conducting ~6k financial education workshops in 2Q25 • Digital channel YTD checking growth of 10% from digital funnel improvements • Mobile App mobile users increased 2% YoY; New Mobile App launch in progress • Saved over 200k hours from centralizing processes so bankers can focus more on serving customers Consumer Wealth (1) Represents increase from May '24 to May '25 (2) Total Wealth Management Relationships as of May '24 from May '25.

12 ☐ Core Modernization ☐ Loan System ☐ Deposit System ☐ General Ledger ☐ Enhanced Mobile & Digital Experiences ☐ Small Business Digital Origination Platform Investing in People and Technology Growth: Expanding talent and capabilities in markets with greatest opportunity Investing in Banker Expansion Over the next 3 years, will invest in Talent across the Footprint in key areas of opportunity: By hiring and converting skilled Bankers with local market expertise (1) Provides bill payment, accounts payable and receivable, and invoice generation – streamlining all the tools needed to run a business. (2) Provides real-time cash management analysis for clients. (3) Identifies personalized solutions for small business owners. (4) Insights for mortgage lending officers. (5) Small Business defined as companies with $0M-$5M in annual revenue. Growth represents average deposit FY19 through FY24. (6) Dunn & Bradstreet. Priority markets include: Tampa, Orlando, Miami/ SFL, Houston, Dallas/FW, Nashville, Atlanta, and Huntsville. Investments in Technology Personalization Powered by AI ☑ CashFlowIQ(1) ☑ CashFlow Advisor(2) ☑ SmallBusinessIQ(3) ☑ Mortgage Analytics Pro(4) Commercial and Middle Market Small Business Opportunity ~12M Small Business Companies in Regions' Footprint (~400k RF customers today driving $2.6B or 30% avg. deposit growth since '19; $1.1B or 41% within priority growth markets)(5)(6) ~5M in priority markets ~80 Increase in Middle Market and Small Business Relationship Managers ~10 Incremental Treasury Management Bankers ~300 Reskilling Branch Sales Bankers to Focus on Small Business Opportunities ~300 Reallocating Branch Bankers to Optimized Markets with Greatest Growth Potential ~50 Incremental Mortgage Loan Originators ~30 Incremental Wealth Associates Consumer and Wealth Associates

19 Empowered by Data & Innovation Regions remains competitive by reserving ~9–11% of revenue for technology spend Next Gen Platforms Next Generation of Customer Experience and Core Banking and Data Platforms Modernization efforts began in 2021 with runway through 2027 to complete the overall program We are migrating to native iOS and Android platforms to create a best-in-class new mobile app for our customers. These technologies allow us to create a more engaging user interface that also opens up new ways to continually improve our app's product offerings and drive customer experience. AI-Driven Fraud Analytics Machine learning/artificial intelligence models that detect and prevent fraud to protect the customer, the bank and its shareholders Technology Practices and Ways of Working Applying Security-First software development principles; expanding DevSecOps and Agile adoption Modern Authentication Experience Securing Customer Trust by Safeguarding client identities and organizational assets through efficient, reusable authentication solutions that support continued risk-aware growth Open Banking and Embedded Finance Enabling secure data sharing through the deployment of industry standardized APIs on a modern infrastructure that drives efficiency, customer-centric growth, while future proofing the bank against disruption Data Governance Adaptive data governance based on risk level to ensure continued confidence and trust in our data Modernization & Innovation ROSIE Personalized offering of products and services anticipating customer needs Regions360 Regions’ mission to Make Life Better is simple, customer focused, and demonstrated through Regions360, which puts customer focused culture into practice RCLIQ(1), Wealth IQ(2), & sbIQ(3) Empowering our Corporate, Wealth, and Consumer bankers with AI-driven insights to deliver personalized customer service Offer Tracker Leverage data & insights for a dynamic, engaging, and transparent customer journey to increase success of offers to drive bottom-line production while enhancing customer experience and retention rVoice Integrates customer feedback with institutional knowledge to measure customer experience by understanding customer's expectations, preferences, and aversions across various channels enabling us to drive improved customer satisfaction (1) RCLIQ is a machine learning based data product used by Corporate Banking Relationship managers to find new opportunities, predict share of wallet deepening activities as well as early warning of credit deterioration and attrition risk. (2) Wealth IQ is a machine learning based data product designed to provide better advice and guidance to wealth clients by delivering insights based on client activity, attrition alerts, and other opportunities. (3) sbIQ is a data product that delivers insights and recommendations about our small business clients to Retail associates using advanced analytics and machine learning models.

18 Investments in Our Businesses Investments in talent, technology and strategic acquisitions continue to pay off • Continuing to drive growth in our primary priority and core markets by adding 11 locally placed resources in Treasury Management and Commercial Banking in 1Q25 • Treasury Management revenue increased 10.9% YoY, achieving a new record quarter in 1Q25 driven by client base growth of 9.4%(1) • Ascentium Capital loan production is up 12% vs 1Q24, contributing to growth are transactions originated through cross-marketing relationships with the Commercial Bank & Branch network • Leveraging advanced technology including natural language processing to evaluate & score over 17K individual product opportunities for Shared National Credit (SNC) clients • Launched Embedded ERP Finance in January to enable clients to seamlessly connect financial data to their enterprise resource planning (ERP) systems Corporate • Growing and retaining primary relationships by reskilling ~300 bankers to focus on small business opportunities and reallocating ~300 bankers to align talent depth with highest opportunity across key customer segments • Recruiting and growing Mortgage producers in key growth markets by an incremental ~50 mortgage loan officers • Delivering on localized strategies leveraging key sponsorships and campus activations including conducting ~6k financial education workshops in 1Q25 • 25% growth in home equity production driven by initiatives to capture improving consumer interest • Mobile App mobile users increased 2% YoY; New Mobile App launch scheduled for the end of 2Q25 Consumer • Record 1Q25 NIR, up 10% vs 1Q24 • 1Q25 average Loan balances up 4% YoY • Relationship growth of 8%(2) • Investing in our Associates through our Next Level Advisor Development Program to equip our advisors with Wealth Planning knowledge and guidance around key tactics and trends • Bolstered in-house research capabilities including Wealth Planning, NextGen and Wealth Transfer, and Industry Trends • Launched social media program for client-facing associates to deliver compliant content through LinkedIn • Published spring edition of the Wealth Insights magazine focused on philanthropic giving Wealth (1) Represents increase from February '24 to February '25. (2) Total Wealth Management Relationships as of February '24 from February '25.

19 ☐ Core Modernization ☐ Loan System ☐ Deposit System ☐ General Ledger ☐ Enhanced Mobile & Digital Experiences ☐ Small Business Digital Origination Platform Investing in People, Enabled with Technology in Markets with Highest Opportunity Investing in Banker Expansion Over the next 3 years, will invest in Talent across the Footprint in key areas of opportunity: By hiring and converting skilled Bankers with local market expertise (1) Provides bill payment, accounts payable and receivable, and invoice generation – streamlining all the tools needed to run a business. (2) Provides real-time cash management analysis for clients. (3) Identifies personalized solutions for small business owners. (4) Insights for mortgage lending officers. (5) Small Business defined as companies with $0M-$5M in annual revenue. Growth represents average deposit FY19 through FY24. (6) Dunn & Bradstreet. Priority markets include: Tampa, Orlando, Miami/ SFL, Houston, Dallas/FW, Nashville, Atlanta, and Huntsville. Investments in Technology Personalization Powered by AI ☑ CashFlowIQ(1) ☑ CashFlow Advisor(2) ☑ SmallBusinessIQ(3) ☑ Mortgage Analytics Pro(4) Commercial and Middle Market Small Business Opportunity ~12M Small Business Companies in Regions' Footprint (~400k RF customers today driving $2.6B or 30% avg. deposit growth since '19; $1.1B or 41% within priority growth markets)(5)(6) ~5M in priority markets ~80 Increase in Middle Market and Small Business Relationship Managers ~10 Incremental Treasury Management Bankers ~300 Reskilling Branch Sales Bankers to Focus on Small Business Opportunities ~300 Reallocating Branch Bankers to Optimized Markets with Greatest Growth Potential ~50 Incremental Mortgage Loan Originators ~30 Incremental Wealth Associates Consumer and Wealth Associates

8 ☐ Core Modernization ☐ Loan System ☐ Deposit System ☐ General Ledger ☐ Enhanced Mobile & Digital Experiences ☐ Small Business Digital Origination Platform Investing in People, Enabled with Technology in Markets with Highest Opportunity Investing in Banker Expansion Over the next 3 years, will invest in Talent across the Footprint in key areas of opportunity: By hiring and converting skilled Bankers with local market expertise Investments in Technology Personalization Powered by AI ☑ CashFlowIQ(1) ☑ CashFlow Advisor(2) ☑ SmallBusinessIQ(3) ☑ Mortgage Analytics Pro(4) Commercial and Middle Market Small Business Opportunity ~12M Small Business Companies in Regions' Footprint (~400k RF customers today driving $2.6B or 30% avg. deposit growth since '19; $1.1B or 41% within priority growth markets)(5)(6) ~5M in priority markets ~50 Increase in Commercial and Middle Market Relationship Managers ~10 Incremental Treasury Management Bankers ~300 Reskilling Branch Sales Bankers to Focus on Small Business Opportunities ~300 Reallocating Branch Bankers to Optimized Markets with Greatest Growth Potential ~50 Incremental Mortgage Loan Originators ~30 Incremental Wealth Associates Consumer and Wealth Associates (1) Provides bill payment, accounts payable and receivable, and invoice generation – streamlining all the tools needed to run a business. (2) Provides real-time cash management analysis for clients. (3) Identifies personalized solutions for small business owners. (4) Insights for mortgage lending officers. (5) Small Business defined as companies with $0M-$5M in annual revenue. Growth represents average deposit FY19 through FY24. (6) Dunn & Bradstreet. Priority markets include: Tampa, Orlando, Miami/SFL, Houston, Dallas/FW, Nashville, Atlanta, and Huntsville.

9 ☐ Core Modernization ☐ Loan System ☐ Deposit System ☐ General Ledger ☐ Enhanced Mobile & Digital Experiences ☐ Small Business Digital Origination Platform Investing in People, Enabled with Technology in Markets with Highest Opportunity Investing in Banker Expansion Over the next 3 years, will invest in Talent across the Footprint in key areas of opportunity: By hiring and converting skilled Bankers with local market expertise (1) Provides bill payment, accounts payable and receivable, and invoice generation – streamlining all the tools needed to run a business. (2) Provides real-time cash management analysis for clients. (3) Identifies personalized solutions for small business owners. (4) Insights for mortgage lending officers. (5) Small Business defined as companies with $0M-$5M in annual revenue. Growth represents average deposit FY19 through FY24. (6) Dunn & Bradstreet. Priority markets include: Tampa, Orlando, Miami/ SFL, Houston, Dallas/FW, Nashville, Atlanta, and Huntsville. Investments in Technology Personalization Powered by AI ☑ CashFlowIQ(1) ☑ CashFlow Advisor(2) ☑ SmallBusinessIQ(3) ☑ Mortgage Analytics Pro(4) Commercial and Middle Market Small Business Opportunity ~12M Small Business Companies in Regions' Footprint (~400k RF customers today driving $2.6B or 30% avg. deposit growth since '19; $1.1B or 41% within priority growth markets)(5)(6) ~5M in priority markets ~50 Increase in Commercial and Middle Market Relationship Managers ~10 Incremental Treasury Management Bankers ~300 Reskilling Branch Sales Bankers to Focus on Small Business Opportunities ~300 Reallocating Branch Bankers to Optimized Markets with Greatest Growth Potential ~50 Incremental Mortgage Loan Originators ~30 Incremental Wealth Associates Consumer and Wealth Associates

18 Empowered by Data & Innovation Regions remains competitive by reserving ~9–11% of revenue for technology spend Next Gen Platforms Next Generation of Customer Experience and Core Banking and Data Platforms Modernization efforts began in 2021 with runway through 2027 to complete the overall program AI-Driven Fraud Analytics Machine learning/artificial intelligence models that detect and prevent fraud to protect the customer, the bank and its shareholders Technology Practices and Ways of Working Applying Security-First software development principles; expanding DevSecOps and Agile adoption Modern Authentication Experience Securing Customer Trust by Safeguarding client identities and organizational assets through efficient, reusable authentication solutions that support continued risk-aware growth. Open Banking and Embedded Finance Regions recently announced its selection of Axway Amplify Open Banking as its platform for data integration, enabling secure data sharing across its consumer banking, corporate banking, and wealth management clients Data Governance Adaptive data governance based on risk level to ensure continued confidence and trust in our data Modernization & Innovation ROSIE Personalized offering of products and services anticipating customer needs Regions360 Regions’ mission to Make Life Better is simple, customer focused, and demonstrated through Regions360, which puts customer focused culture into practice RCLIQ(1), Wealth IQ(2), & sbIQ(3) Delivering ‘needs based’ customer engagement, resulting in significant impact to the Corporate Bank and Wealth Management Offer Tracker Leverage data & insights for a dynamic, engaging, and transparent customer journey to increase success of offers to drive bottom-line production while enhancing customer experience and retention rVoice Integrates customer feedback with institutional knowledge to measure customer experience by understanding customer's expectations, preferences, and aversions across various channels enabling us to drive improved customer satisfaction (1) RCLIQ is a machine learning based data product used by Corporate Banking Relationship managers to find new opportunities, predict share of wallet deepening activities as well as early warning of credit deterioration and attrition risk. (2) Wealth IQ is a machine learning based data product designed to provide better advice and guidance to wealth clients by delivering insights based on client activity, attrition alerts, and other opportunities. (3) sbIQ is a data product that delivers insights and recommendations about our small business clients to Retail associates using advanced analytics and machine learning models.

Cybersecurity risks for large financial institutions, such as us, have increased significantly in recent years in part because of the proliferation of technology-based products and services and the increased sophistication and activities of organized crime, hackers, terrorists, nation-states, nation state-supported actors, activists and other external parties. This increase is expected to continue and further intensify. The techniques used by cyber criminals change frequently, may not be recognized until launched (or may evade detection for considerable time), can be initiated from a variety of sources, including terrorist organizations and hostile foreign governments, and may see their frequency increased, and effectiveness enhanced, by the use of AI. These criminals may attempt to fraudulently induce employees, customers or other users of our systems and networks to disclose sensitive information (including confidential, personal, proprietary and other information) in order to gain access to data or our systems and networks. Third parties with whom we or our customers do business also present operational and cybersecurity risks to us, including cybersecurity or other similar incidents or failures or disruptions of their own systems and networks. While we have successfully defended similar attacks, we could become the subject of a successful similar style attack through a supply chain compromise. As noted above, our operations rely on the secure collection, transmission, storage and other processing of confidential, personal, proprietary and other information in our operating systems and networks. In addition, to access our products and services, our customers may use personal computers, smartphones, tablets and other mobile devices that are beyond our control environment. Additionally, cybersecurity and other similar incidents or terrorist activities could disrupt our or our customers’ or other third parties’ business operations. Although these past events have not resulted in a breach of our client data or account information, such attacks have adversely affected the performance of Regions Bank’s website, www.regions.com, and, in some instances, prevented customers from accessing Regions Bank’s secure websites for

We utilize quantitative models and machine learning models to assist in measuring risks and estimating or predicting certain financial values. Models may be used in processes such as determining the pricing of various products, grading loans and extending credit, measuring interest rate and other market risks, forecasting financial performance, predicting losses, improving customer services, maintaining adherence to laws and regulations, assessing capital adequacy, calculating regulatory capital levels, preventing fraud, strengthening customer authentication processes, generating marketing analytics, prospecting leads and estimating the value of financial instruments and balance sheet items. Poorly designed, implemented or managed models present the risk that our business decisions that consider information based on such models will be adversely affected due to the inadequacy or inaccuracy of that information, which may lead to losses, damage our reputation and adversely affect our reported financial condition and results of operations. Also, information we provide to the public or to our regulators based on poorly designed, implemented or managed models could be inaccurate or misleading. Some of the decisions that our regulators make, including those related to capital distributions to our shareholders, could be affected adversely due to the perception that the quality of the models used to generate the relevant information is insufficient.

4 ☐ Core Modernization Enhanced Mobile & Digital Experience Positioned For Growth Investing in people, enabled with technology in markets with highest opportunity to achieve long-term growth targets ☑ Largest Opportunity ☑ Most Growth Potential ☑ Strongest Economies ☑ Highest Investment Market OpportunityInvesting in Banker Expansion Over the next 3 years, will invest in Talent across the Footprint in key areas of opportunity: By hiring and converting skilled Bankers with local market expertise Coverage Expansion in Priority Markets (1) Provides bill payment, accounts payable and receivable, and invoice generation – streamlining all the tools needed to run a business. (2) Provides real-time cash management analysis for clients. (3) Identifies personalized solutions for small business owners. (4) Insights for mortgage lending officers. (5) Small Business defined as companies with $0M-$5M in annual revenue. Growth represents average deposit FY19 through FY24. (6) Dunn & Bradstreet. Investments in Technology Personalization Powered by AI ☑ CashFlowIQ(1) ☑ CashFlow Advisor(2) ☑ SmallBusinessIQ(3) ☑ Mortgage Analytics Pro(4) ☐ Commercial and Middle Market Small Business Opportunity ~12M Small Business Companies in Regions' Footprint (~400k RF customers today driving $2.6B or 30% avg. deposit growth since '19; $1.1B or 41% within priority growth markets)(5)(6) ~5M in priority markets ~50 Increase in Commercial and Middle Market Relationship Managers ~10 Incremental Treasury Management Bankers ~300 Reskilling Branch Sales Bankers to Focus on Small Business Opportunities ~300 Reallocating Branch Bankers to Optimized Markets with Greatest Growth Potential ~50 Incremental Mortgage Loan Originators ~30 Incremental Wealth Associates Consumer and Wealth Associates

51 Empowered by Data & Innovation Regions remains competitive by reserving ~9–11% of revenue for technology spend Next Gen Platforms Next Generation of Customer Experience and Core Banking and Data Platforms Modernization efforts began in 2021 with runway through 2027 to complete the overall program AI-Driven Fraud Analytics Machine learning/artificial intelligence models that detect and prevent fraud to protect the customer, the bank and its shareholders Technology Practices and Ways of Working Applying Security-First software development principles; expanding DevSecOps and Agile adoption Authentication Experience Delivering a best-in-class Customer Identity and Access Management (CIAM) platform that is secure, frictionless, and enables innovation Open Banking and Embedded Finance Developing secure open banking APIs to drive innovation and enable secure and seamless customer and client data sharing and integration experiences Data Governance Adaptive data governance based on risk level to ensure continued confidence and trust in our data Modernization & Innovation ROSIE Personalized offering of products and services anticipating customer needs Regions360 Regions’ mission to Make Life Better is simple, customer focused, and demonstrated through Regions360, which puts customer focused culture into practice RCLIQ(1) & Wealth IQ(2) Delivering ‘needs based’ customer engagement, resulting in significant impact to the Corporate Bank and Wealth Management Offer Tracker Leverage data & insights for a dynamic, engaging, and transparent customer journey to increase success of offers to drive bottom-line production while enhancing customer experience and retention rVoice Integrates customer feedback with institutional knowledge to measure customer experience by understanding customer's expectations, preferences, and aversions across various channels enabling us to drive improved customer satisfaction (1) RCLIQ is a machine learning based data product used by Corporate Banking Relationship managers to find new opportunities, predict share of wallet deepening activities as well as early warning of credit deterioration and attrition risk. (2) Wealth IQ is a machine learning data product designed to provide better advice and guidance to wealth clients by delivering insights based on client activity, attrition alerts, and other opportunities.

49 Empowered by Data & Innovation Regions remains competitive by reserving ~9–11% of revenue for technology spend Next Gen Platforms Next Generation of Customer Experience and Core Banking and Data Platforms Modernization efforts began in 2021 with runway through 2027 to complete the overall program Fraud Analytics Machine learning models to detect and prevent fraud to proactively protect the customer Technology Practices and Ways of Working Applying Security-First software development principles; expanding Agile adoption Authentication Experience Delivering a best-in-class Customer Identity and Access Management (CIAM) platform that is secure, frictionless, and enables innovation Open Banking and Embedded Finance Developing secure open banking APIs to drive innovation and enable seamless customer experience within their enterprise resource planning (ERP) platforms Data Governance Adaptive data governance based on risk level to ensure continued confidence and trust in our data Modernization & Innovation ROSIE Personalized offering of products and services anticipating customer needs Regions360 Regions’ mission to Make Life Better is simple, customer focused, and demonstrated through Regions360, which puts customer focused culture into practice RCLIQ(1) & Wealth IQ(2) Delivering ‘needs based’ customer engagement, resulting in significant impact to the Corporate Bank and Wealth Management Offer Tracker Leverage data & insights for a dynamic, engaging, and transparent customer journey to increase success of offers to drive bottom-line production while enhancing customer experience and retention rVoice Integrates customer feedback with institutional knowledge to measure customer experience by understanding customer's expectations, preferences, and aversions across various channels enabling us to drive improved customer satisfaction (1) RCLIQ is a machine learning based data product used by Corporate Banking Relationship managers to find new opportunities, predict share of wallet deepening activities as well as early warning of credit deterioration and attrition risk. (2) Wealth IQ is a machine learning data product designed to provide better advice and guidance to wealth clients by delivering insights based on client activity, attrition alerts, and other opportunities.

Regions Tap to BankSM Regions Tap to BankSM is active on nearly 2,000 ATMs across the bank's 15-state footprint – enabling faster, more convenient ATM banking, enhanced security by reducing the risk of fraud from skimming devices, an expected reduction in card captures, and less downtime for card reader repairs. Innovating Operations In 2024, J.D. Power* ranked Regions Bank #1 in Customer Satisfaction among Regional Bank Online Experiences – a first-place ranking that the bank has proudly maintained for 4 of the last 5 years. *J.D. Power 2024 U.S. Banking Online Satisfaction Study; among banks with $70B to $200B in deposits, which measures customer satisfaction with financial institutions' website experience for banking account management. Visit jdpower.com/awards for more details. Customer Satisfaction Adoption 2.8% increase in Mobile users in 2Q24 compared to 2Q23 Digital Enhancements Launched Zelle for Small Business, card services enhancements including LockIt conversion, Relationship IQ corporate portal enhancements, and Reggie® Messaging Virtual Assistant Contact Center updates Customer Transactions 75% of 2Q24 Retail customer transactions initiated in Digital, 4% growth YoY Zelle 27% increase in transaction volume in 2Q24 compared to 2Q23 Digital Acceleration Enabling Through Technology CashFlowIQ, CashFlow Advisor for Small-, Mid-Size Business Clients Regions recently launched new cash management client tools CashFlowIQ and CashFlow Advisor – delivering digital cash capabilities to small- and mid-size businesses. CashFlowIQ provides bill payment, accounts payable and receivable, and invoice generation – streamlining all the tools needed to run a business. 1

44 Empowered by Data & Innovation Regions remains competitive by reserving ~9–11% of revenue for technology spend Next Gen Platforms Next Generation of Customer Experience and Core Banking and Data Platforms Modernization efforts began in 2021 with runway through 2027 to complete the overall program Fraud Analytics Machine learning models to detect and prevent fraud to proactively protect the customer Technology Practices Applying Security-First software development principles and expanding Agile adoption Authentication Experience Delivering a best-in-class Customer Identity and Access Management (CIAM) platform that is secure, frictionless, and enables innovation Open Banking Developing secure open banking APIs to drive innovation, enable seamless customer experience, and integrate with customer enterprise resource planning (ERP) platforms Data Governance Adaptive data governance based on risk level to ensure continued confidence and trust in our data Modernization & Innovation ROSIE Personalized offering of products and services anticipating customer needs Regions360 Regions’ mission to Make Life Better is simple, customer focused, and demonstrated through Regions360, which puts customer focused culture into practice RCLIQ(1) & Wealth IQ(2) Delivering ‘needs based’ customer engagement, resulting in significant impact to the Corporate Bank and Wealth Management Offer Tracker Leverage data & insights for a dynamic, engaging, and transparent customer journey to increase success of offers to drive bottom-line production while enhancing customer experience and retention rVoice Integrates customer feedback with institutional knowledge to measure customer experience by understanding customer's expectations, preferences, and aversions across various channels enabling us to drive improved customer satisfaction Customer Personalization (1) RCLIQ is a machine learning based data product used by Corporate Banking Relationship managers to find new opportunities, predict share of wallet deepening activities as well as early warning of credit deterioration and attrition risk. (2) Wealth IQ is a machine learning data product designed to provide better advice and guidance to wealth clients by delivering insights based on client activity, attrition alerts, and other opportunities.

crime, hackers, terrorists, nation-states, nation state-supported actors, activists and other external parties. This increase is expected to continue and further intensify. The techniques used by cyber criminals change frequently, may not be recognized until launched (or may evade detection for considerable time), can be initiated from a variety of sources, including terrorist organizations and hostile foreign governments, and may see their frequency increased, and effectiveness enhanced, by the use of artificial intelligence. These criminals may attempt to fraudulently induce employees, customers or other users of our systems and networks to disclose sensitive information (including confidential, personal, proprietary and other information) in order to gain access to data or our systems and networks. Third parties with whom we or our customers do business also present operational and cybersecurity risks to us, including cybersecurity or other similar incidents or failures or disruptions of their own systems and networks. While we have successfully defended similar attacks, we could become the subject of a successful similar style attack through a supply chain compromise. As noted above, our operations rely on the secure collection, transmission, storage and other processing of confidential, personal, proprietary and other information in our operating systems and networks. In addition, to access our products and services, our customers may use personal computers, smartphones, tablets and other mobile devices that are beyond our control environment. Additionally, cybersecurity and other similar incidents or terrorist activities could disrupt our or our customers’ or other third parties’ business operations. Although these past events have not resulted in a breach of our client data or account information, such attacks have adversely affected the performance of Regions Bank’s website, www.regions.com, and, in some instances, prevented customers from accessing Regions Bank’s secure websites for consumer and commercial applications. In all cases, the attacks primarily resulted in inconvenience; however, future cyber-attacks or other similar incidents could be more disruptive and damaging, and we may not be able to anticipate or prevent all such attacks. The United States government has raised concerns about a potential increase in cyber-attacks and other similar incidents generally as a result of the military conflict between Russia and Ukraine and the related sanctions imposed by the United States and other countries or the ongoing Israel-Hamas conflict.

We utilize quantitative models, machine learning models and artificial intelligence models to assist in measuring risks and estimating or predicting certain financial values. Models may be used in processes such as determining the pricing of various products, grading loans and extending credit, measuring interest rate and other market risks, forecasting financial performance, predicting losses, improving customer services, maintaining adherence to laws and regulations, assessing capital adequacy, calculating regulatory capital levels, preventing fraud, strengthening customer authentication processes, generating marketing analytics, prospecting leads and estimating the value of financial instruments and balance sheet items. Poorly designed, implemented or managed models present the risk that our business decisions that consider information based on such models will be adversely affected due to the inadequacy or inaccuracy of that information, which may lead to losses, damage our reputation and adversely affect our reported financial condition and results of operations. Also, information we provide to the public or to our regulators based on poorly designed, implemented or managed models could be inaccurate or misleading. Some of the decisions that our regulators make, including those related to capital distributions to our shareholders, could be affected adversely due to the perception that the quality of the models used to generate the relevant information is insufficient.

43 Empowered by Data & Innovation Regions remains competitive by reserving ~9–11% of revenue for technology spend Next Gen Platforms Omnichannel Customer Experience and next gen Core Banking and Data Platforms Fraud Analytics Machine learning models to detect and prevent fraud to proactively protect the customer Technology Practices Applying Security-First software development principles and expanding Agile adoption Authentication Experience Delivering a best-in-class Customer Identity and Access Management (CIAM) platform that is secure, frictionless, and enables innovation Open Banking Developing secure open banking APIs to drive innovation, enable seamless customer experience, and integrate with customer enterprise resource planning (ERP) platforms Data Governance Unification of data architecture, data assets, and data catalog Modernization & Innovation ROSIE Personalized offering of products and services anticipating customer needs Regions360 Regions’ mission to Make Life Better is simple, customer focused, and demonstrated through Regions360, which puts customer focused culture into practice RCLIQ(1) & Wealth IQ(2) Delivering ‘needs based’ customer engagement, resulting in significant impact to the Corporate Bank and Wealth Management Offer Tracker Leverage data & insights for a dynamic, engaging, and transparent customer journey to increase success of offers and bottom-line production rVoice Integrates customer feedback with institutional knowledge to measure customer experience by understanding customer's expectations, preferences, and aversions across various channels enabling us to drive improved customer satisfaction Customer Personalization (1) RCLIQ is a machine learning based data product used by Corporate Banking Relationship managers to find new opportunities, predict share of wallet deepening activities as well as early warning of credit deterioration and attrition risk. (2) Wealth IQ is a machine learning data product designed to provide better advice and guidance to wealth clients by delivering insights based on client activity, attrition alerts, and other opportunities.

45 Empowered by data & innovation Regions remains competitive by reserving ~9–11% of revenue for technology spend Next Gen Platform Next Generation of Customer Experience and Core Banking and Data Platforms Modernization efforts began in 2021 with runway through 2027 to complete the overall program Fraud Analytics Machine learning models to detect and prevent fraud to proactively protect the customer Technology Practices Applying Security-First software development principles and expanding Agile adoption Authentication Experience Delivering a best-in-class Customer Identity and Access Management (CIAM) platform that is secure, frictionless, and enables innovation Open Banking Developing secure open banking APIs to drive innovation and novel customer experiences Data Governance Unification of data architecture, data assets, and data catalog Modernization & Innovation ROSIE Personalized offering of products and services anticipating customer needs Regions360 Regions’ mission to Make Life Better is simple, customer focused, and demonstrated through Regions360, which puts customer focused culture into practice RCLIQ(1) & Wealth IQ(2) Delivering ‘needs based’ customer engagement, resulting in significant impact to the Corporate Bank and Wealth Management Offer Tracker Leverage data & insights for a dynamic, engaging, and transparent customer journey to increase success of offers and bottom-line production rVoice Integrates customer feedback with institutional knowledge to measure customer experience by understanding customer's expectations, preferences, and aversions across various channels enabling us to drive improved customer satisfaction Customer Personalization (1) RCLIQ is a machine learning based data product used by Corporate Banking Relationship managers to find new opportunities, predict share of wallet deepening activities as well as early warning of credit deterioration and attrition risk. (2) Wealth IQ is a machine learning data product designed to provide better advice and guidance to wealth clients by delivering insights based on client activity, attrition alerts, and other opportunities.

43 Empowered by data & innovation Regions remains competitive by reserving ~9–11% of revenue for technology spend Next Gen Platform Next Generation of Customer Experience and Core Banking and Data Platforms Modernization efforts began in 2021 with runway through 2027 to complete the overall program Fraud Analytics Machine learning models to detect and prevent fraud to proactively protect the customer Technology Practices Applying Security-First software development principles and expanding Agile adoption Authentication Experience Delivering a best-in-class Customer Identity and Access Management (CIAM) platform that is secure, frictionless, and enables innovation Open Banking Developing secure open banking APIs to drive innovation and novel customer experiences Data Governance Unification of data architecture, data assets, and data catalog Modernization & Innovation ROSIE Personalized offering of products and services anticipating customer needs Regions360 Regions’ mission to Make Life Better is simple, customer focused, and demonstrated through Regions360, which puts customer focused culture into practice RCLIQ(1) & Wealth IQ(2) Delivering ‘needs based’ customer engagement, resulting in significant impact to the Corporate Bank and Wealth Management Offer Tracker Leverage data & insights for a dynamic, engaging, and transparent customer journey to increase success of offers and bottom-line production rVoice Integrates customer feedback with institutional knowledge to measure customer experience by understanding customer's expectations, preferences, and aversions across various channels enabling us to drive improved customer satisfaction Customer Personalization (1) RCLIQ is a machine learning based data product used by Corporate Banking Relationship managers to find new opportunities, predict share of wallet deepening activities as well as early warning of credit deterioration and attrition risk. (2) Wealth IQ is a machine learning data product designed to provide better advice and guidance to wealth clients by delivering insights based on client activity, attrition alerts, and other opportunities.

43 Empowered by innovation & data Regions remains competitive by reserving ~9–11% of revenue for technology spend (1) RCLIQ is a machine learning based data product used by Corporate Banking Relationship managers to find new opportunities, predict share of wallet deepening activities as well as early warning of credit deterioration and attrition risk Modernization & Innovation ~45-50% of total technology spend dedicated to new technology Customer Personalization ROSIE Providing customers with tailored product offers. Regions 360 Anticipating customer needs by understanding a customer’s total banking relationship. “You Know Me & Value Me” experience. RCLIQ(1) & Wealth IQ Delivering ‘needs based’ customer engagement, resulting in significant impact to corporate and wealth management. Offer Tracker Leverage data & insights for a dynamic, engaging, and transparent customer journey to increase success of offers and bottom-line production. rVoice Improving the customer’s experience by leveraging AI to understand customer needs from multiple sources outside of the Bank. Platform Modernization Next Generation of Customer Experience and Core Banking and Data Platforms Modernization efforts began in 2021 with runway through 2027 to complete the overall program Modernizing Technology Practices Applying Security-First software development principles and expanding Agile adoption Continuous Improvement on Data Governance Unification of data architecture, data assets, and data catalog Modern Authentication Experience Delivering a best-in-class Customer Identity and Access Management (CIAM) platform that is secure, frictionless, and enables innovative Enhanced Fraud Analytics Machine learning models to detect and prevent fraud to proactively protect the customer Open Banking Developing secure open banking APIs to drive innovation and novel customer experiences Cloud Engineering New talent and structure will accelerate the cloud journey

We utilize quantitative models, machine learning models, and artificial intelligence models to assist in measuring risks and estimating or predicting certain financial values. Models may be used in processes such as determining the pricing of various products, grading loans and extending credit, measuring interest rate and other market risks, forecasting financial performance, predicting losses, improving customer services, maintaining adherence to laws and regulations, assessing capital adequacy, calculating regulatory capital levels, preventing fraud, strengthening customer authentication processes, generating marketing analytics, prospecting leads, and estimating the value of financial instruments and balance sheet items. Poorly designed, implemented, or managed models present the risk that our business decisions that consider information based on such models will be adversely affected due to the inadequacy or inaccuracy of that information, which may lead to losses, damage our reputation and adversely affect our reported financial condition and results of operations. Also, information we provide to the public or to our regulators based on poorly designed, implemented, or managed models could be inaccurate or misleading. Some of the decisions that our regulators make, including those related to capital distributions to our shareholders, could be affected adversely due to the perception that the quality of the models used to generate the relevant information is insufficient.

42 Enhanced Fraud Analytics Machine learning models to detect and prevent fraud and enable analytics for proactive customer protection Modernizing Technology Practices Applying Security-First software development principles and expanding Agile adoption Cloud Engineering New talent and structure will accelerate the cloud journey Modern Authentication Experience Delivering a best-in-class Customer Identity and Access Management (CIAM) platform that is secure, frictionless, and innovative to enable digital transformation Continuous Improvement on Data Governance Unification of data architecture, data assets, and data catalog Open Banking Developing secure open banking APIs to drive innovation and novel customer experiences Empowered by innovation & data Expanding Influence of Data & Personalization Data-driven omnichannel view of customers for a “You Know Me & Value Me” experience Regions Client IQ(1) (RCLIQ) and Wealth IQ Delivering ‘needs based’ customer engagement, resulting in significant impact to corporate and wealth management ROSIE Personalized offering of products and services to anticipate customer needs Accelerating digital transformation through integration of customer feedback and institutional knowledge Delivering opportunities and insights to Mortgage Loan Officers Platform Modernization Platform Enhancements Next Generation of Customer Experience and Core Banking and Data Platforms Continued enhancements to Fulfillment and Servicing Platforms Path to omnichannel experience Centralization of Data/Modernization Leveraging modern Big Data Platforms to accelerate our data-driven decision-making processes Enhanced Data for Incentive Offers Offer Tracker combines data from multiple sources to enhance and automate the fulfillment processes Digital Efforts to Improve Commercial Customer Onboarding Experience Enhancing sales and lead management with centralized due diligence capabilities Modernizing Customer Relationship Management & Origination Platform Highly efficient and improved associate experience for sales and origination Efforts Enabling through Technology (1) RCLIQ is a machine learning based data product used by Corporate Banking Relationship managers to find new opportunities, predict share of wallet deepening activities as well as early warning of credit deterioration and attrition risk

44 System Maintenance New Technology Cybersecurity / Risk Management Continue to invest for the future Regions remains competitive by reserving ~9–11% of revenue for technology spend Innovation and Strategy Customer Experience & Technology Past investment on innovation and strategy provided a firm, resilient foundation for addressing changes in customer needs Investments over the last 4 years to modernize the customer experience and transform the technology operating model allow system modernization to be prioritized for new technology spend Continuous Innovation Platform Modernization Along with continuous innovation, we are making investments into modernizing our infrastructure and data. As we start taking advantage of AI and the scale modern technologies have to offer, our technology spend will increase to support revenue growth Regions will take a staggered approach to platform modernization. Modernization efforts began in 2021 with runway through 2027 to complete the overall program Spend Allocation