 Annual Shareholder Meeting April 19, 2007 Exhibit 99.1 |
 › Company Profile › Strategic Growth Opportunities › Integration Update › Financial Performance › The New Regions |
 A Top Ten U.S. Bank Holding Company › Market Capitalization $26 billion 9th › Assets $138 billion 8th › Loans, net of unearned income $94 billion 9th › Deposits $95 billion 8th › Branches 1,913 7th › ATMs 2,590 8th National Rank¹ 1 As of December 31, 2006. |
 Franchise Footprint Source: SNL DataSource. Deposit data as of 30-Jun-2006. NOTE: Divestitures are not included State Dep. ($B) Mkt. Share Rank AL $20.8 30% #1 FL 18.4 5 #4 TN 17.6 17 #2 LA 7.8 11 #3 MS 6.5 16 #1 GA 5.5 3 #6 AR 4.4 10 #1 TX 2.9 1 #19 MO 2.3 2 #7 IN 1.9 2 #10 Other 4.3 — — Regions Morgan Keegan Insurance |
 Daily Customer Interaction With Regions › 5.2 million checks are processed › 800,000 deposits / withdrawals are made with our tellers › 225,000 customers use our ATMs for cash withdrawals › 405,000 customers call us for account information › 52,000 additional customers call one of our telephone bankers › 470,000 customers access our Web site › 425,000 additional customers use our Internet banking product › 50,000 bills are paid by using our Internet banking product › 1,160,000 purchases are made with our debit card |
 › Company Profile › Strategic Growth Opportunities › Integration Update › Financial Performance › The New Regions |
 Strategic Growth Opportunities Florida De Novo Branching Morgan Keegan Improved Market Density › Increased deposit market share in one of the highest growth states in the United States › Leverage de novo branching expertise › Branch expansion across high-growth areas of footprint › Additional opportunities to leverage Morgan Keegan across franchise › Attractive markets › Benefit from size and diversity |
 › Company Profile › Strategic Growth Opportunities › Integration Update › Financial Performance › The New Regions |
 Integration Accomplishments › Announced Key Organizational Decisions › Identified Major Systems and Started Conversions › Introduced New Culture and Brand Identity › Completed Divestitures › Began Executing Branch Consolidation Plans |
 Branch Conversion Schedule |
 Branch Conversion Schedule |
 Branch Conversion Schedule |
 Branch Conversion Schedule |
 Technology Investments: Keeping Focused on Customers › Customers to experience faster loan approvals › Plans in place to protect customer information in aftermath of a disaster › Event Command Center established to track status of all four conversion events |
 › Company Profile › Strategic Growth Opportunities › Integration Update › Financial Performance › The New Regions |
 Financial Performance 0.20% 0.22% Net Charge Off Ratio Asset Quality 0.45% 0.40% Nonperforming Assets as a % of Loans 1.18% 1.17% Allowance for Credit Losses as a % of Loans 6.52% 6.53% Tangible Equity/ Tangible Assets Capital Strength 24.96% 24.83% Return on Avg. Tangible Equity 1.46% 1.52% Return on Avg. Assets 56.56% 56.32% Operating Efficiency 3.99% 4.17% Net Interest Margin Profitability* 2006 1Q07 * Excluding discontinued operations and merger-related charges |
 Total Shareholder Return 0 20 40 60 80 Regions S&P 500 Index S&P Bank Index Regions S&P 500 Index S&P Bank Index Regions S&P 500 Index S&P Bank Index 1 Year 3 Years 5 Years |
 › Company Profile › Strategic Growth Opportunities › Integration Update › Financial Performance › The New Regions |
 Our Brand Promise to Customers “You can expect more from Regions. Yes, we are in the business of banking. But we are also in the business of life. And while our financial solutions will help you get more from your money, it is our mission to help you get more out of life.” |
 Creating a New Corporate Culture Five new Core Operating Values guide how we serve customers and each other: › Do what is right › Put people first › Reach higher › Focus on your customer › Enjoy life These values support our goal to make life better for customers, associates and the communities where we live and work. |
 Regions and Social Responsibility Improving lives in the communities we serve: › Corporate Giving Program › Matching Gifts Program › Associate Volunteer Program |
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