Regions Financial (RF) 8-K Regions Financial reports second quarter results; delivers diversified revenue growth and achieves positive operating leverage

Exhibit 99.2

Regions Financial Corporation and Subsidiaries

Financial Supplement

Second Quarter 2014

Regions Financial Corporation and Subsidiaries                                

Financial Supplement to Second Quarter 2014 Earnings Release

Table of Contents

	Page
Consolidated Balance Sheets	1
Consolidated Statements of Income	2
Selected Ratios and Other Information	3
Consolidated Average Daily Balances and Yield / Rate Analysis from Continuing Operations	4
Loans	6
Deposits	7
Pre-Tax Pre-Provision Income (“PPI”) and Adjusted PPI	8
Non-Interest Income, Mortgage Income and Wealth Management Income	9
Non-Interest Expense	10
Credit Quality
Allowance for Credit Losses, Net Charge-Offs and Related Ratios	11
Non-Accrual Loans (excludes loans held for sale), Criticized and Classified Loans - Commercial and Investor Real Estate, and Home Equity Lines of Credit - Future Maturities	13
Early and Late Stage Delinquencies	14
Troubled Debt Restructurings	15
Reconciliation to GAAP Financial Measures
Adjusted Efficiency Ratios, Adjusted Fee Income Ratios, and Adjusted Non-Interest Income / Expense	16
Return Ratios, Tangible Common Ratios and Capital	17
Statements of Discontinued Operations	19
Forward-Looking Statements	20

Regions Financial Corporation and Subsidiaries                                

Financial Supplement to Second Quarter 2014 Earnings Release

Consolidated Balance Sheets (unaudited)

	As of
($ amounts in millions)	6/30/2014			3/31/2014			12/31/2013			9/30/2013			6/30/2013
Assets:
Cash and due from banks	$	2,094		$	2,072		$	1,661		$	2,032		$	2,112
Interest-bearing deposits in other banks	2,705			3,114			3,612			1,827			2,168
Federal funds sold and securities purchased under agreements to resell	20			10			—			—			—
Trading account securities	100			117			111			119			102
Securities held to maturity	2,275			2,317			2,353			2,388			2,425
Securities available for sale	21,963			21,615			21,485			21,630			22,001
Loans held for sale	514			395			1,055			673			839
Loans, net of unearned income	76,513			75,680			74,609			75,892			74,990
Allowance for loan losses	(1,229		)	(1,261		)	(1,341		)	(1,540		)	(1,636		)
Net loans	75,284			74,419			73,268			74,352			73,354
Other interest-earning assets	65			86			86			105			135
Premises and equipment, net	2,194			2,194			2,216			2,218			2,228
Interest receivable	308			316			313			331			326
Goodwill	4,816			4,816			4,816			4,816			4,816
Mortgage servicing rights at fair value (MSRs)	276			288			297			281			276
Other identifiable intangible assets	281			294			295			307			318
Other assets	5,824			5,880			5,828			5,785			7,607
Total assets	$	118,719		$	117,933		$	117,396		$	116,864		$	118,707
Liabilities and stockholders’ equity:
Deposits:
Non-interest-bearing	$	31,277		$	31,154		$	30,083		$	30,308		$	29,464
Interest-bearing	62,545			62,239			62,370			62,013			62,990
Total deposits	93,822			93,393			92,453			92,321			92,454
Borrowed funds:
Short-term borrowings:
Federal funds purchased and securities sold under agreements to repurchase	1,818			1,981			2,182			1,773			2,877
Other short-term borrowings	—			—			—			—			1,000
Total short-term borrowings	1,818			1,981			2,182			1,773			3,877
Long-term borrowings	3,824			4,226			4,830			4,838			4,856
Total borrowed funds	5,642			6,207			7,012			6,611			8,733
Other liabilities	2,226			2,201			2,163			2,443			2,191
Total liabilities	101,690			101,801			101,628			101,375			103,378
Stockholders’ equity:
Preferred stock, non-cumulative perpetual	920			442			450			458			466
Common stock	14			14			14			14			14
Additional paid-in capital	19,121			19,179			19,216			19,248			19,440
Retained earnings (deficit)	(1,597		)	(1,897		)	(2,216		)	(2,443		)	(2,736		)
Treasury stock, at cost	(1,377		)	(1,377		)	(1,377		)	(1,377		)	(1,377		)
Accumulated other comprehensive income (loss), net	(52		)	(229		)	(319		)	(411		)	(478		)
Total stockholders’ equity	17,029			16,132			15,768			15,489			15,329
Total liabilities and stockholders’ equity	$	118,719		$	117,933		$	117,396		$	116,864		$	118,707

1

Regions Financial Corporation and Subsidiaries                                

Financial Supplement to Second Quarter 2014 Earnings Release

Consolidated Statements of Income (unaudited)

	Quarter Ended
($ amounts in millions, except per share data)	6/30/2014		3/31/2014		12/31/2013			9/30/2013			6/30/2013
Interest income on:
Loans, including fees	$	737	$	732	$	758		$	758		$	746
Securities—taxable	156		154		151			144			152
Loans held for sale	4		8		6			6			8
Trading account securities	—		2		1			1			—
Other interest-earning assets	2		2		1			2			1
Total interest income	899		898		917			911			907
Interest expense on:
Deposits	25		27		29			31			33
Short-term borrowings	1		—		—			1			1
Long-term borrowings	51		55		56			55			65
Total interest expense	77		82		85			87			99
Net interest income	822		816		832			824			808
Provision for loan losses	35		2		79			18			31
Net interest income after provision for loan losses	787		814		753			806			777
Non-interest income:
Service charges on deposit accounts	174		173		185			190			175
Card and ATM fees	84		79		80			82			81
Mortgage income	43		40		43			52			69
Securities gains, net	6		2		—			3			8
Other	150		144		218			168			164
Total non-interest income	457		438		526			495			497
Non-interest expense:
Salaries and employee benefits	443		455		464			455			452
Net occupancy expense	90		93		91			92			92
Furniture and equipment expense	70		70		71			71			69
Other	217		199		320			266			271
Total non-interest expense	820		817		946			884			884
Income from continuing operations before income taxes	424		435		333			417			390
Income tax expense	125		128		92			124			122
Income from continuing operations	299		307		241			293			268
Discontinued operations:
Income (loss) from discontinued operations before income taxes	2		19		(25		)	(1		)	(2		)
Income tax expense (benefit)	1		7		(11		)	(1		)	(1		)
Income (loss) from discontinued operations, net of tax	1		12		(14		)	—			(1		)
Net income	$	300	$	319	$	227		$	293		$	267
Net income from continuing operations available to common shareholders	$	291	$	299	$	233		$	285		$	260
Net income available to common shareholders	$	292	$	311	$	219		$	285		$	259
Weighted-average shares outstanding—during quarter:
Basic	1,378		1,378		1,378			1,388			1,401
Diluted	1,390		1,390		1,395			1,405			1,418
Actual shares outstanding—end of quarter	1,378		1,378		1,378			1,378			1,395
Earnings per common share from continuing operations:
Basic	$	0.21	$	0.22	$	0.17		$	0.21		$	0.19
Diluted	$	0.21	$	0.21	$	0.17		$	0.20		$	0.18
Earnings per common share:
Basic	$	0.21	$	0.23	$	0.16		$	0.21		$	0.18
Diluted	$	0.21	$	0.22	$	0.16		$	0.20		$	0.18
Cash dividends declared per common share	$	0.05	$	0.03	$	0.03		$	0.03		$	0.03
Taxable-equivalent net interest income from continuing operations	$	837	$	831	$	846		$	838		$	821

2

Regions Financial Corporation and Subsidiaries                                

Financial Supplement to Second Quarter 2014 Earnings Release

Selected Ratios and Other Information

	As of and for Quarter Ended
	6/30/2014			3/31/2014			12/31/2013			9/30/2013			6/30/2013
Return on average assets from continuing operations*	0.99		%	1.03		%	0.79		%	0.97		%	0.88		%
Return on average tangible common stockholders’ equity (non-GAAP)* (1)	10.68		%	11.84		%	8.58		%	11.41		%	10.15		%
Adjusted efficiency ratio from continuing operations (non-GAAP) (1)	64.2		%	66.9		%	66.3		%	67.3		%	63.1		%
Common book value per share	$	11.69		$	11.38		$	11.12		$	10.90		$	10.65
Tangible common book value per share (non-GAAP) (1)	$	8.12		$	7.81		$	7.54		$	7.32		$	7.11
Tangible common stockholders’ equity to tangible assets (non-GAAP) (1)	9.84		%	9.53		%	9.24		%	9.02		%	8.72		%
Tier 1 common equity risk-based ratio (non-GAAP) (1)(2)	11.6		%	11.4		%	11.2		%	11.0		%	11.1		%
Basel III common equity Tier 1 ratio (non-GAAP) (1)(2)	11.0		%	10.8		%	10.6		%	10.4		%	10.3		%
Tier 1 capital ratio (2)	12.5		%	11.8		%	11.7		%	11.5		%	11.6		%
Total risk-based capital ratio (2)	15.3		%	14.9		%	14.7		%	14.5		%	14.7		%
Leverage ratio (2)	10.8		%	10.2		%	10.0		%	9.9		%	9.7		%
Allowance for loan losses as a percentage of loans, net of unearned income	1.61		%	1.67		%	1.80		%	2.03		%	2.18		%
Allowance for loan losses to non-performing loans, excluding loans held for sale	1.37x			1.18x			1.24x			1.14x			1.09x
Net interest margin (FTE) from continuing operations*	3.24		%	3.26		%	3.26		%	3.24		%	3.16		%
Loans, net of unearned income, to total deposits	81.6		%	81.0		%	80.7		%	82.2		%	81.1		%
Net charge-offs as a percentage of average loans*	0.35		%	0.44		%	1.46		%	0.60		%	0.77		%
Adjusted net charge-offs as a percentage of average loans (non-GAAP)* (1)	0.35		%	0.44		%	0.67		%	0.60		%	0.77		%
Non-accrual loans, excluding loans held for sale, as a percentage of loans	1.17		%	1.41		%	1.45		%	1.78		%	2.01		%
Non-performing assets (excluding loans 90 days past due) as a percentage of loans, foreclosed properties and non-performing loans held for sale	1.37		%	1.63		%	1.74		%	2.03		%	2.25		%
Non-performing assets (including loans 90 days past due) as a percentage of loans, foreclosed properties and non-performing loans held for sale (3)	1.69		%	1.97		%	2.08		%	2.38		%	2.68		%
Associate headcount	23,416			23,687			24,255			24,068			23,692
ATMs	1,990			2,002			2,029			2,030			2,038
Branch Statistics
Full service	1,592			1,592			1,624			1,625			1,628
Drive-thru/transaction service only	81			81			81			81			81
Total branch outlets	1,673			1,673			1,705			1,706			1,709

*Annualized

(1) See reconciliation of GAAP to non-GAAP Financial Measures on pages 12 and 16-18.

(2) Current quarter Tier 1 common, Basel III common equity Tier 1, Tier 1 capital, Total risk-based capital and Leverage ratios are estimated.

(3) Excludes guaranteed residential first mortgages that are 90+ days past due and still accruing. Refer to the footnotes on page 14 for amounts related to these loans.

3

Regions Financial Corporation and Subsidiaries                                

Financial Supplement to Second Quarter 2014 Earnings Release

Consolidated Average Daily Balances and Yield/Rate Analysis from Continuing Operations

	Quarter Ended
	6/30/2014							3/31/2014
($ amounts in millions; yields on taxable-equivalent basis)	Average Balance			Income/ Expense		Yield/ Rate		Average Balance			Income/ Expense		Yield/ Rate
Assets
Interest-earning assets:
Federal funds sold and securities purchased under agreements to resell	$	16		$	—	0.86	%	$	9		$	—	0.86	%
Trading account securities	115			—		0.76		111			2		6.31
Securities:
Taxable	23,856			156		2.62		23,872			154		2.62
Tax-exempt	3			—		—		4			—		—
Loans held for sale	413			4		3.96		854			8		3.89
Loans, net of unearned income:
Commercial and industrial	31,058			284		3.68		29,993			278		3.75
Commercial real estate mortgage—owner-occupied	9,170			111		4.85		9,391			111		4.81
Commercial real estate construction—owner-occupied	357			4		4.09		341			3		4.00
Commercial investor real estate mortgage	5,296			42		3.20		5,287			45		3.42
Commercial investor real estate construction	1,822			15		3.18		1,524			12		3.28
Residential first mortgage	12,137			121		3.99		12,127			122		4.07
Home equity	11,106			100		3.62		11,216			101		3.64
Indirect	3,376			29		3.46		3,189			29		3.66
Consumer credit card	926			25		11.10		926			26		11.23
Other consumer	1,142			21		7.31		1,145			20		7.26
Total loans, net of unearned income	76,390			752		3.95		75,139			747		4.03
Other interest-earning assets	2,844			2		0.25		3,469			2		0.25
Total interest-earning assets	103,637			914		3.54		103,458			913		3.58
Allowance for loan losses	(1,246		)					(1,321		)
Cash and due from banks	1,767							1,817
Other non-earning assets	13,838							13,874
	$	117,996						$	117,828
Liabilities and Stockholders’ Equity
Interest-bearing liabilities:
Savings	$	6,468		2		0.10		$	6,234		2		0.12
Interest-bearing checking	20,476			4		0.09		20,791			5		0.09
Money market	26,112			7		0.10		26,213			8		0.13
Time deposits	9,067			12		0.52		9,419			12		0.53
Total interest-bearing deposits (1)	62,123			25		0.16		62,657			27		0.17
Federal funds purchased and securities sold under agreements to repurchase	2,017			1		0.09		2,097			—		0.08
Other short-term borrowings	54			—		0.23		—			—		—
Long-term borrowings	4,161			51		4.98		4,643			55		4.78
Total interest-bearing liabilities	68,355			77		0.45		69,397			82		0.48
Non-interest-bearing deposits (1)	30,866			—		—		30,268			—		—
Total funding sources	99,221			77		0.31		99,665			82		0.33
Net interest spread						3.09							3.10
Other liabilities	2,107							2,162
Stockholders’ equity	16,668							16,001
	$	117,996						$	117,828
Net interest income/margin FTE basis				$	837	3.24	%				$	831	3.26	%

________

(1) Total deposit costs from continuing operations may be calculated by dividing total interest expense on deposits by the sum of interest-bearing deposits and non-interest bearing deposits. The rates for total deposit costs from continuing operations equal 0.11% and 0.12% for the quarters ended June 30, 2014 and March 31, 2014, respectively.

4

Regions Financial Corporation and Subsidiaries                                

Financial Supplement to Second Quarter 2014 Earnings Release

Consolidated Average Daily Balances and Yield/Rate Analysis from Continuing Operations (Continued)

	Quarter Ended
	12/31/2013							9/30/2013							6/30/2013
($ amounts in millions; yields on taxable-equivalent basis)	Average Balance			Income/ Expense		Yield/ Rate		Average Balance			Income/ Expense		Yield/ Rate		Average Balance			Income/Expense		Yield/ Rate
Assets
Interest-earning assets:
Trading account securities	$	110		$	1	3.86	%	$	107		$	1	1.52	%	$	122		$	—	0.48	%
Securities:
Taxable	23,771			151		2.52		24,074			144		2.38		26,706			152		2.29
Tax-exempt	5			—		—		5			—		—		6			—		—
Loans held for sale	625			6		3.94		751			6		3.34		880			8		3.42
Loans, net of unearned income:
Commercial and industrial	29,950			287		3.81		29,319			284		3.84		28,301			272		3.85
Commercial real estate mortgage—owner-occupied	9,613			116		4.81		9,678			116		4.77		9,808			114		4.66
Commercial real estate construction—owner-occupied	302			3		3.86		368			4		4.22		339			5		5.27
Commercial investor real estate mortgage	5,405			47		3.46		5,712			51		3.53		6,124			54		3.58
Commercial investor real estate construction	1,426			13		3.44		1,251			10		3.48		1,085			10		3.57
Residential first mortgage	12,752			126		3.92		12,835			128		3.95		12,823			128		4.00
Home equity	11,311			102		3.59		11,351			103		3.58		11,475			103		3.62
Indirect	3,014			29		3.77		2,810			28		3.88		2,606			26		4.08
Consumer credit card	910			28		11.83		878			26		12.16		851			27		12.33
Other consumer	1,160			21		7.21		1,157			22		7.52		1,137			20		7.25
Total loans, net of unearned income	75,843			772		4.04		75,359			772		4.07		74,549			759		4.09
Other interest-earning assets	2,579			1		0.24		2,447			2		0.25		1,869			1		0.24
Total interest-earning assets	102,933			931		3.59		102,743			925		3.57		104,132			920		3.55
Allowance for loan losses	(1,512		)					(1,613		)					(1,706		)
Cash and due from banks	1,807							1,781							1,745
Other non-earning assets	13,735							14,006							14,077
	$	116,963						$	116,917						$	118,248
Liabilities and Stockholders’ Equity
Interest-bearing liabilities:
Savings	$	6,049		2		0.09		$	6,076		1		0.10		$	6,148		2		0.09
Interest-bearing checking	19,815			4		0.09		19,613			5		0.09		19,636			4		0.10
Money market	26,081			8		0.13		26,250			9		0.13		25,952			9		0.14
Time deposits	9,888			15		0.59		10,417			16		0.60		11,423			18		0.66
Total interest-bearing deposits (1)	61,833			29		0.19		62,356			31		0.19		63,159			33		0.21
Federal funds purchased and securities sold under agreements to repurchase	2,021			—		0.07		1,982			1		0.07		2,287			1		0.09
Other short-term borrowings	159			—		0.20		381			—		0.20		310			—		0.19
Long-term borrowings	4,840			56		4.56		4,845			55		4.57		5,298			65		4.93
Total interest-bearing liabilities	68,853			85		0.49		69,564			87		0.49		71,054			99		0.56
Non-interest-bearing deposits (1)	30,218			—		—		29,724			—		—		29,454			—		—
Total funding sources	99,071			85		0.34		99,288			87		0.35		100,508			99		0.40
Net interest spread						3.10							3.08							2.99
Other liabilities	2,386							2,312							2,097
Stockholders’ equity	15,506							15,317							15,643
	$	116,963						$	116,917						$	118,248
Net interest income/margin FTE basis				$	846	3.26	%				$	838	3.24	%				$	821	3.16	%

________

(1) Total deposit costs from continuing operations may be calculated by dividing total interest expense on deposits by the sum of interest-bearing deposits and non-interest bearing deposits. The rates for total deposit costs from continuing operations equal 0.12%, 0.13%, and 0.15% for the quarters ended December 31, 2013, September 30, 2013, and June 30, 2013, respectively.

5

Regions Financial Corporation and Subsidiaries                                

Financial Supplement to Second Quarter 2014 Earnings Release

Loans

	As of
												6/30/2014					6/30/2014
($ amounts in millions)	6/30/2014		3/31/2014		12/31/2013		9/30/2013		6/30/2013			vs. 3/31/2014					vs. 6/30/2013
Commercial and industrial	$	31,354	$	30,466	$	29,413	$	29,863	$	28,954		$	888		2.9	%	$	2,400		8.3	%
Commercial real estate mortgage—owner-occupied	9,024		9,257		9,495		9,566		9,731			(233		)	(2.5	)%	(707		)	(7.3	)%
Commercial real estate construction—owner-occupied	366		375		310		377		345			(9		)	(2.4	)%	21			6.1	%
Total commercial	40,744		40,098		39,218		39,806		39,030			646			1.6	%	1,714			4.4	%
Commercial investor real estate mortgage	5,193		5,338		5,318		5,613		5,806			(145		)	(2.7	)%	(613		)	(10.6	)%
Commercial investor real estate construction	1,780		1,654		1,432		1,317		1,208			126			7.6	%	572			47.4	%
Total investor real estate	6,973		6,992		6,750		6,930		7,014			(19		)	(0.3	)%	(41		)	(0.6	)%
Residential first mortgage (1)	12,187		12,136		12,163		12,856		12,839			51			0.4	%	(652		)	(5.1	)%
Home equity—first lien	6,068		6,008		5,998		5,894		5,726			60			1.0	%	342			6.0	%
Home equity—second lien	4,996		5,140		5,296		5,455		5,684			(144		)	(2.8	)%	(688		)	(12.1	)%
Indirect	3,422		3,253		3,075		2,889		2,693			169			5.2	%	729			27.1	%
Consumer credit card	945		917		948		896		866			28			3.1	%	79			9.1	%
Other consumer	1,178		1,136		1,161		1,166		1,138			42			3.7	%	40			3.5	%
Total consumer	28,796		28,590		28,641		29,156		28,946			206			0.7	%	(150		)	(0.5	)%
Total Loans	$	76,513	$	75,680	$	74,609	$	75,892	$	74,990		$	833		1.1	%	$	1,523		2.0	%
	Average Balances
($ amounts in millions)	2Q14		1Q14		4Q13		3Q13		2Q13			2Q14 vs. 1Q14					2Q14 vs. 2Q13
Commercial and industrial	$	31,058	$	29,993	$	29,950	$	29,319	$	28,301		$	1,065		3.6	%	$	2,757		9.7	%
Commercial real estate mortgage—owner-occupied	9,170		9,391		9,613		9,678		9,808			(221		)	(2.4	)%	(638		)	(6.5	)%
Commercial real estate construction—owner-occupied	357		341		302		368		339			16			4.7	%	18			5.3	%
Total commercial	40,585		39,725		39,865		39,365		38,448			860			2.2	%	2,137			5.6	%
Commercial investor real estate mortgage	5,296		5,287		5,405		5,712		6,124			9			0.2	%	(828		)	(13.5	)%
Commercial investor real estate construction	1,822		1,524		1,426		1,251		1,085			298			19.6	%	737			67.9	%
Total investor real estate	7,118		6,811		6,831		6,963		7,209			307			4.5	%	(91		)	(1.3	)%
Residential first mortgage (1)	12,137		12,127		12,752		12,835		12,823			10			0.1	%	(686		)	(5.3	)%
Home equity—first lien	6,052		6,014		5,963		5,825		5,697			38			0.6	%	355			6.2	%
Home equity—second lien	5,054		5,202		5,348		5,526		5,778			(148		)	(2.8	)%	(724		)	(12.5	)%
Indirect	3,376		3,189		3,014		2,810		2,606			187			5.9	%	770			29.5	%
Consumer credit card	926		926		910		878		851			—			NM		75			8.8	%
Other consumer	1,142		1,145		1,160		1,157		1,137			(3		)	(0.3	)%	5			0.4	%
Total consumer	28,687		28,603		29,147		29,031		28,892			84			0.3	%	(205		)	(0.7	)%
Total Loans	$	76,390	$	75,139	$	75,843	$	75,359	$	74,549		$	1,251		1.7	%	$	1,841		2.5	%
End of Period Loan Portfolio Balances by Percentage									As of
									6/30/2014			3/31/2014			12/31/2013		9/30/2013			6/30/2013
Commercial and industrial									41.0		%	40.3		%	39.4	%	39.4		%	38.6	%
Commercial real estate mortgage—owner-occupied									11.8		%	12.2		%	12.8	%	12.6		%	13.0	%
Commercial real estate construction—owner-occupied									0.5		%	0.5		%	0.4	%	0.5		%	0.5	%
Total commercial									53.3		%	53.0		%	52.6	%	52.5		%	52.1	%
Commercial investor real estate mortgage									6.8		%	7.0		%	7.1	%	7.4		%	7.7	%
Commercial investor real estate construction									2.3		%	2.2		%	1.9	%	1.7		%	1.6	%
Total investor real estate									9.1		%	9.2		%	9.0	%	9.1		%	9.3	%
Residential first mortgage									15.9		%	16.0		%	16.3	%	16.9		%	17.1	%
Home equity—first lien									7.9		%	8.0		%	8.0	%	7.8		%	7.6	%
Home equity—second lien									6.6		%	6.8		%	7.1	%	7.2		%	7.6	%
Indirect									4.5		%	4.3		%	4.1	%	3.8		%	3.6	%
Consumer credit card									1.2		%	1.2		%	1.3	%	1.2		%	1.2	%
Other consumer									1.5		%	1.5		%	1.6	%	1.5		%	1.5	%
Total consumer									37.6		%	37.8		%	38.4	%	38.4		%	38.6	%
Total Loans									100.0		%	100.0		%	100.0	%	100.0		%	100.0	%

________

NM - Not Meaningful

(1) Regions transferred approximately $686 million of primarily performing restructured residential first mortgage loans to held for sale at the end of the fourth quarter of 2013. This transaction impacts the third quarter 2013 to fourth quarter 2013 ending balance variance as well as the fourth quarter 2013 to first quarter 2014 average balance variance.

6

Regions Financial Corporation and Subsidiaries                                

Financial Supplement to Second Quarter 2014 Earnings Release

Deposits

	As of
													6/30/2014					6/30/2014
($ amounts in millions)	6/30/2014		3/31/2014		12/31/2013		9/30/2013			6/30/2013			vs. 3/31/2014					vs. 6/30/2013
Customer Deposits
Interest-free deposits	$	31,277	$	31,154	$	30,083	$	30,308		$	29,464		$	123		0.4	%	$	1,813		6.2	%
Interest-bearing checking	21,159		20,605		20,789		19,583			19,937			554			2.7	%	1,222			6.1	%
Savings	6,440		6,463		6,050		6,038			6,117			(23		)	(0.4	)%	323			5.3	%
Money market—domestic	25,772		25,730		25,635		26,085			25,946			42			0.2	%	(174		)	(0.7	)%
Money market—foreign	223		222		220		241			193			1			0.5	%	30			15.5	%
Low-cost deposits	84,871		84,174		82,777		82,255			81,657			697			0.8	%	3,214			3.9	%
Time deposits	8,951		9,219		9,608		10,066			10,797			(268		)	(2.9	)%	(1,846		)	(17.1	)%
Total customer deposits	93,822		93,393		92,385		92,321			92,454			429			0.5	%	1,368			1.5	%
Corporate Treasury Deposits
Time deposits	—		—		68		—			—			—			NM		—			NM
Total Deposits	$	93,822	$	93,393	$	92,453	$	92,321		$	92,454		$	429		0.5	%	$	1,368		1.5	%
	Average Balances
($ amounts in millions)	2Q14		1Q14		4Q13		3Q13			2Q13			2Q14 vs. 1Q14					2Q14 vs. 2Q13
Customer Deposits
Interest-free deposits	$	30,866	$	30,268	$	30,218	$	29,724		$	29,454		$	598		2.0	%	$	1,412		4.8	%
Interest-bearing checking	20,476		20,791		19,815		19,613			19,636			(315		)	(1.5	)%	840			4.3	%
Savings	6,468		6,234		6,049		6,076			6,148			234			3.8	%	320			5.2	%
Money market—domestic	25,889		25,988		25,834		26,026			25,722			(99		)	(0.4	)%	167			0.6	%
Money market—foreign	223		225		247		224			230			(2		)	(0.9	)%	(7		)	(3.0	)%
Low-cost deposits	83,922		83,506		82,163		81,663			81,190			416			0.5	%	2,732			3.4	%
Time deposits	9,067		9,417		9,843		10,417			11,423			(350		)	(3.7	)%	(2,356		)	(20.6	)%
Total customer deposits	92,989		92,923		92,006		92,080			92,613			66			0.1	%	376			0.4	%
Corporate Treasury Deposits
Time deposits	—		2		45		—			—			(2		)	(100.0	)%	—			NM
Total Deposits	$	92,989	$	92,925	$	92,051	$	92,080		$	92,613		$	64		0.1	%	$	376		0.4	%
									As of
End of Period Deposits by Percentage										6/30/2014			3/31/2014			12/31/2013		9/30/2013			6/30/2013
Customer Deposits
Interest-free deposits										33.3		%	33.4		%	32.5	%	32.8		%	31.9	%
Interest-bearing checking										22.6		%	22.1		%	22.5	%	21.2		%	21.6	%
Savings										6.9		%	6.9		%	6.6	%	6.5		%	6.6	%
Money market—domestic										27.5		%	27.5		%	27.7	%	28.3		%	28.1	%
Money market—foreign										0.2		%	0.2		%	0.2	%	0.3		%	0.2	%
Low-cost deposits										90.5		%	90.1		%	89.5	%	89.1		%	88.4	%
Time deposits										9.5		%	9.9		%	10.4	%	10.9		%	11.6	%
Total customer deposits										100.0		%	100.0		%	99.9	%	100.0		%	100.0	%
Corporate Treasury Deposits
Time deposits										—		%	—		%	0.1	%	—		%	—	%
Total Deposits										100.0		%	100.0		%	100.0	%	100.0		%	100.0	%

________

NM - Not Meaningful

7

Regions Financial Corporation and Subsidiaries                                

Financial Supplement to Second Quarter 2014 Earnings Release

Pre-Tax Pre-Provision Income ("PPI") and Adjusted PPI (non-GAAP)

The Pre-Tax Pre-Provision Income table below presents computations of pre-tax pre-provision income from continuing operations excluding certain adjustments (non-GAAP). Regions believes that the presentation of PPI and the exclusion of certain items to PPI provides a meaningful base for period-to-period comparisons, which management believes will assist investors in analyzing the operating results of the Company and predicting future performance. These non-GAAP financial measures are also used by management to assess the performance of Regions’ business. It is possible that the activities related to the adjustments may recur; however, management does not consider the activities related to the adjustments to be indications of ongoing operations. Regions believes that presentation of these non-GAAP financial measures will permit investors to assess the performance of the Company on the same basis as that applied by management. Non-GAAP financial measures have inherent limitations, are not required to be uniformly applied and are not audited. Although these non-GAAP financial measures are frequently used by stakeholders in the evaluation of a company, they have limitations as analytical tools, and should not be considered in isolation, or as a substitute for analyses of results as reported under GAAP. In particular, a measure of income that excludes certain adjustments does not represent the amount that effectively accrues directly to stockholders.

	Quarter Ended
($ amounts in millions)	6/30/2014			3/31/2014			12/31/2013			9/30/2013			6/30/2013			2Q14 vs. 1Q14					2Q14 vs. 2Q13
Net income from continuing operations available to common shareholders (GAAP)	$	291		$	299		$	233		$	285		$	260		$	(8	)	(2.7	)%	$	31		11.9	%
Preferred dividends (GAAP)	8			8			8			8			8			—			NM		—			NM
Income tax expense (GAAP)	125			128			92			124			122			(3		)	(2.3	)%	3			2.5	%
Income from continuing operations before income taxes (GAAP)	424			435			333			417			390			(11		)	(2.5	)%	34			8.7	%
Provision for loan losses (GAAP)	35			2			79			18			31			33			NM		4			12.9	%
Pre-tax pre-provision income from continuing operations (non-GAAP)	459			437			412			435			421			22			5.0	%	38			9.0	%
Other adjustments:
Securities gains, net	(6		)	(2		)	—			(3		)	(8		)	(4		)	200.0	%	2			(25.0	)%
Gain on sale of other assets(1)	—			—			—			(24		)	—			—			NM		—			NM
Leveraged lease termination gains, net(2)	—			(1		)	(39		)	—			—			1			(100.0	)%	—			NM
Gain on sale of TDRs held for sale, net	—			(35		)	—			—			—			35			(100.0	)%	—			NM
Loss on early extinguishment of debt	—			—			—			5			56			—			NM		(56		)	NM
Branch consolidation and property and equipment charges	—			6			5			—			—			(6		)	(100.0	)%	—			NM
Regulatory charge (credit)	(7		)	—			58			—			—			(7		)	NM		(7		)	NM
Total other adjustments	(13		)	(32		)	24			(22		)	48			19			(59.4	)%	(61		)	(127.1	)%
Adjusted pre-tax pre-provision income from continuing operations (non-GAAP)	$	446		$	405		$	436		$	413		$	469		$	41		10.1	%	$	(23	)	(4.9	)%

NM - Not Meaningful

(1) Gain on sale of a non-core portion of a Wealth Management business.

(2) After-tax amount for leveraged lease termination gains was $6 million for the fourth quarter of 2013.

8

Regions Financial Corporation and Subsidiaries                                

Financial Supplement to Second Quarter 2014 Earnings Release

Non-Interest Income

	Quarter Ended
($ amounts in millions)	6/30/2014			3/31/2014			12/31/2013		9/30/2013			6/30/2013			2Q14 vs. 1Q14					2Q14 vs. 2Q13
Service charges on deposit accounts	$	174		$	173		$	185	$	190		$	175		$	1		0.6	%	$	(1	)	(0.6	)%
Card and ATM fees	84			79			80		82			81			5			6.3	%	3			3.7	%
Mortgage income	43			40			43		52			69			3			7.5	%	(26		)	(37.7	)%
Investment management and trust fee income	47			49			48		50			49			(2		)	(4.1	)%	(2		)	(4.1	)%
Insurance commissions and fees	32			30			28		27			29			2			6.7	%	3			10.3	%
Capital markets fee income and other (1)	16			13			29		18			20			3			23.1	%	(4		)	(20.0	)%
Bank-owned life insurance	23			19			20		18			22			4			21.1	%	1			4.5	%
Commercial credit fee income	15			15			16		16			17			—			NM		(2		)	(11.8	)%
Leveraged lease termination gains, net	—			1			39		—			—			(1		)	(100.0	)%	—			NM
Investment services fee income	11			10			8		10			9			1			10.0	%	2			22.2	%
Securities gains, net	6			2			—		3			8			4			200.0	%	(2		)	(25.0	)%
Gain on sale of other assets(2)	—			—			—		24			—			—			NM		—			NM
Net revenue (loss) from affordable housing	(17		)	(18		)	1		(18		)	(15		)	1			(5.6	)%	(2		)	13.3	%
Other	23			25			29		23			33			(2		)	(8.0	)%	(10		)	(30.3	)%
Total non-interest income from continuing operations	$	457		$	438		$	526	$	495		$	497		$	19		4.3	%	$	(40	)	(8.0	)%

Mortgage Income

	Quarter Ended
($ amounts in millions)	6/30/2014			3/31/2014			12/31/2013			9/30/2013				6/30/2013			2Q14 vs. 1Q14					2Q14 vs. 2Q13
Production and sales	$	26		$	24		$	25		$	37			$	54		$	2		8.3	%	$	(28	)	(51.9	)%
Loan servicing	22			21			22			22				23			1			4.8	%	(1		)	(4.3	)%
MSR hedge ineffectiveness:
MSRs fair value increase (decrease) (3)	(19		)	(17		)	5			(8		)		24			(2		)	11.8	%	(43		)	(179.2	)%
MSRs hedge gain (loss)	14			12			(9		)	1				(32		)	2			16.7	%	46			(143.8	)%
MSR hedge ineffectiveness	(5		)	(5		)	(4		)	(7		)		(8		)	—			NM		3			(37.5	)%
Total mortgage income	$	43		$	40		$	43		$	52			$	69		$	3		7.5	%	$	(26	)	(37.7	)%
Mortgage production - purchased	$	968		$	662		$	802		$	968			$	1,009		$	306		46.2	%	$	(41	)	(4.1	)%
Mortgage production - refinanced	302			304			436			638			��	912			(2		)	(0.7	)%	(610		)	(66.9	)%
Total mortgage production(4)	$	1,270		$	966		$	1,238		$	1,606			$	1,921		$	304		31.5	%	$	(651	)	(33.9	)%

Wealth Management Income

	Quarter Ended
($ amounts in millions)	6/30/2014		3/31/2014		12/31/2013		9/30/2013		6/30/2013		2Q14 vs. 1Q14					2Q14 vs. 2Q13
Investment services fee income	$	11	$	10	$	8	$	10	$	9	$	1		10.0	%	$	2		22.2	%
Investment management and trust fee income	47		49		48		50		49		(2		)	(4.1	)%	(2		)	(4.1	)%
Insurance commissions and fees	32		30		28		27		29		2			6.7	%	3			10.3	%
Gain on sale of other assets(2)	—		—		—		24		—		—			NM		—			NM
Total wealth management income (5)	$	90	$	89	$	84	$	111	$	87	$	1		1.1	%	$	3		3.4	%

_________

NM - Not Meaningful

(1) Capital markets fee income and other primarily relates to loan syndications, foreign exchange and derivatives.

(2) Gain on sale of a non-core portion of a Wealth Management business.

(3) Fair value adjustment includes payment decay and assumptions change impact.

(4) Represents total mortgage production during the period, including amounts sold into the secondary market as well as amounts retained in Regions' residential first mortgage loan portfolio.

(5) Total Wealth Management income presented above does not include the portion of service charges on deposit accounts and similar smaller dollar amounts that are also attributable to the Wealth Management segment.

9

Regions Financial Corporation and Subsidiaries                                

Financial Supplement to Second Quarter 2014 Earnings Release

Non-Interest Expense

	Quarter Ended
($ amounts in millions)	6/30/2014			3/31/2014			12/31/2013		9/30/2013		6/30/2013			2Q14 vs. 1Q14					2Q14 vs. 2Q13
Salaries and employee benefits	$	443		$	455		$	464	$	455	$	452		$	(12	)	(2.6	)%	$	(9	)	(2.0	)%
Net occupancy expense	90			93			91		92		92			(3		)	(3.2	)%	(2		)	(2.2	)%
Furniture and equipment expense	70			70			71		71		69			—			NM		1			1.4	%
Professional and legal expenses	37			35			46		34		21			2			5.7	%	16			76.2	%
Deposit administrative fee	13			22			20		35		37			(9		)	(40.9	)%	(24		)	(64.9	)%
Outside services	35			27			31		27		26			8			29.6	%	9			34.6	%
Marketing	24			24			25		26		24			—			NM		—			NM
Loss on early extinguishment of debt	—			—			—		5		56			—			NM		(56		)	(100.0	)%
Regulatory charge (credit)	(7		)	—			58		—		—			(7		)	NM		(7		)	NM
Branch consolidation and property and equipment charges	—			6			5		—		—			(6		)	(100.0	)%	—			NM
Provision (credit) for unfunded credit losses	11			—			4		1		(15		)	11			NM		26			(173.3	)%
Gain on sale of TDRs held for sale, net	—			(35		)	—		—		—			35			(100.0	)%	—			NM
Other	104			120			131		138		122			(16		)	(13.3	)%	(18		)	(14.8	)%
Total non-interest expense from continuing operations	$	820		$	817		$	946	$	884	$	884		$	3		0.4	%	$	(64	)	(7.2	)%

_________

NM - Not Meaningful

Selected Non-Interest Expense Variance Analysis

• Deposit administrative fees in the second quarter of 2014 benefited from refunds of previously incurred fees.

• Outside Services increased by $8 million quarter over quarter primarily due to the use of temporary staffing on compliance and regulatory related projects.

• In the fourth quarter of 2013, Regions recorded a non-tax deductible regulatory charge of $58 million related to previously disclosed inquiries from government authorities. These matters were settled in the second quarter of 2014 for $7 million less than originally estimated.

• The provision for unfunded credit losses represents reserves related to unfunded commitments and letters of credit. Fluctuations from quarter to quarter are expected as these instruments fund. The $11 million increase in the second quarter of 2014 is primarily the result of increased reserves on individual instruments.

• Other non-interest expenses decreased $16 million quarter over quarter primarily due to declines in other real estate owned expense and mortgage repurchase reserves, reflecting improving credit conditions.

10

Regions Financial Corporation and Subsidiaries                                

Financial Supplement to Second Quarter 2014 Earnings Release

Credit Quality

	As of and for Quarter Ended
($ amounts in millions)	6/30/2014			3/31/2014			12/31/2013			9/30/2013			6/30/2013
Components:
Allowance for loan losses (ALL)	$	1,229		$	1,261		$	1,341		$	1,540		$	1,636
Reserve for unfunded credit commitments	89			78			78			74			73
Allowance for credit losses (ACL)	$	1,318		$	1,339		$	1,419		$	1,614		$	1,709
Provision for loan losses	$	35		$	2		$	79		$	18		$	31
Provision (credit) for unfunded credit losses	11			—			4			1			(15		)
Net loans charged-off:
Commercial and industrial	15			10			36			17			30
Commercial real estate mortgage—owner-occupied	11			13			27			20			28
Commercial real estate construction—owner-occupied	—			1			(1		)	—			—
Total commercial	26			24			62			37			58
Commercial investor real estate mortgage	2			1			(2		)	6			16
Commercial investor real estate construction	(2		)	—			(1		)	(1		)	(2		)
Total investor real estate	—			1			(3		)	5			14
Residential first mortgage (3)	7			9			164			13			18
Home equity—first lien	3			7			8			10			7
Home equity—second lien	8			14			18			22			22
Indirect	4			7			6			5			4
Consumer credit card	8			8			8			6			11
Other consumer	11			12			15			16			10
Total consumer (3)	41			57			219			72			72
Total (3)	$	67		$	82		$	278		$	114		$	144
Net loan charge-offs as a % of average loans, annualized:
Commercial and industrial	0.20		%	0.14		%	0.48		%	0.22		%	0.43		%
Commercial real estate mortgage—owner-occupied	0.46		%	0.58		%	1.13		%	0.81		%	1.17		%
Commercial real estate construction—owner-occupied	0.05		%	0.47		%	(0.10		)%	(0.03		)%	(0.83		)%
Total commercial	0.25		%	0.25		%	0.63		%	0.37		%	0.61		%
Commercial investor real estate mortgage	0.12		%	0.10		%	(0.13		)%	0.39		%	1.02		%
Commercial investor real estate construction	(0.36		)%	(0.13		)%	(0.44		)%	(0.18		)%	(0.54		)%
Total investor real estate	—		%	0.05		%	(0.20		)%	0.28		%	0.79		%
Residential first mortgage (3)	0.20		%	0.32		%	5.10		%	0.41		%	0.56		%
Home equity—first lien	0.24		%	0.44		%	0.51		%	0.66		%	0.47		%
Home equity—second lien	0.62		%	1.13		%	1.35		%	1.56		%	1.53		%
Indirect	0.53		%	0.85		%	0.78		%	0.76		%	0.56		%
Consumer credit card	3.53		%	3.63		%	3.65		%	3.06		%	4.95		%
Other consumer	3.84		%	4.14		%	5.04		%	5.24		%	3.66		%
Total consumer (3)	0.57		%	0.81		%	2.98		%	0.99		%	0.99		%
Total (3)	0.35		%	0.44		%	1.46		%	0.60		%	0.77		%
Non-accrual loans, excluding loans held for sale	$	899		$	1,070		$	1,082		$	1,354		$	1,506
Non-performing loans held for sale	20			40			82			43			53
Non-accrual loans, including loans held for sale	919			1,110			1,164			1,397			1,559
Foreclosed properties	128			129			136			147			136
Non-performing assets (NPAs)	$	1,047		$	1,239		$	1,300		$	1,544		$	1,695
Loans past due > 90 days (1)	$	251		$	257		$	256		$	270		$	319
Accruing restructured loans not included in categories above (2)	$	1,412		$	1,578		$	1,676		$	2,529		$	2,591
Accruing restructured loans held for sale not included in categories above (2)	$	7		$	11		$	545		$	19		$	19
Credit Ratios:
ACL/Loans, net	1.72		%	1.77		%	1.90		%	2.13		%	2.28		%
ALL/Loans, net	1.61		%	1.67		%	1.80		%	2.03		%	2.18		%
Allowance for loan losses to non-performing loans, excluding loans held for sale	1.37x			1.18x			1.24x			1.14x			1.09x
Non-accrual loans, excluding loans held for sale/Loans, net	1.17		%	1.41		%	1.45		%	1.78		%	2.01		%
NPAs (ex. 90+ past due)/Loans, foreclosed properties and non-performing loans held for sale	1.37		%	1.63		%	1.74		%	2.03		%	2.25		%
NPAs (inc. 90+ past due)/Loans, foreclosed properties and non-performing loans held for sale (1)	1.69		%	1.97		%	2.08		%	2.38		%	2.68		%

(1) Excludes guaranteed residential first mortgages that are 90+ days past due and still accruing. Refer to the footnotes on page 14 for amounts related to these loans.

(2) See page 15 for detail of restructured loans.

(3) Includes $151 million in residential first mortgage net charge-offs on loans transferred to loans held for sale during the fourth quarter of 2013. Excluding these net charge-offs, the adjusted net charge-off percentage for residential first mortgages for the fourth quarter of 2013 would have been 0.41% (non-GAAP). Excluding these net charge-offs, the adjusted net charge-off percentage for total consumer loans for the fourth quarter of 2013 would have been 0.93% (non-GAAP). The adjusted net charge-off percentage for all loans would have been 0.67% (non-GAAP). See page 12 for a reconciliation of these GAAP to non-GAAP net charge-off ratios.

11

Regions Financial Corporation and Subsidiaries                                

Financial Supplement to Second Quarter 2014 Earnings Release

Credit Quality (Continued)

Adjusted Net Charge-Offs Ratio (non-GAAP)

Select calculations for annualized net charge-offs as a percentage of average loans (GAAP) are presented in the table below. During the fourth quarter of 2013, Regions made the strategic decision to transfer certain primarily accruing restructured residential first mortgage loans to loans held for sale. These loans were marked down to fair value through net charge-offs upon transfer to held for sale. Management believes that excluding the incremental increase to net charge-offs from the affected net charge-off ratios to arrive at an adjusted net charge-off ratio (non-GAAP) will assist investors in analyzing the Company's credit quality performance as well as provide a better basis from which to predict future performance. Non-GAAP financial measures have inherent limitations, are not required to be uniformly applied and are not audited. Although these non-GAAP financial measures are frequently used by stakeholders in the evaluation of a company, they have limitations as analytical tools, and should not be considered in isolation, or as a substitute for analyses of results as reported under GAAP.

		As of and for Quarter Ended
($ amounts in millions)		6/30/2014			3/31/2014			12/31/2013			9/30/2013			6/30/2013
Residential first mortgage net charge-offs (GAAP)	A	$	7		$	9		$	164		$	13		$	18
Less: Net charge-offs associated with transfer to loans held for sale		—			—			151			—			—
Adjusted residential first mortgage net charge-offs (non-GAAP)	B	$	7		$	9		$	13		$	13		$	18
Total consumer net charge-offs (GAAP)	C	$	41		$	57		$	219		$	72		$	72
Less: Net charge-offs associated with transfer to loans held for sale		—			—			151			—			—
Adjusted total consumer net charge-offs (non-GAAP)	D	$	41		$	57		$	68		$	72		$	72
Total net charge-offs (GAAP)	E	$	67		$	82		$	278		$	114		$	144
Less: Net charge-offs associated with transfer to loans held for sale		—			—			151			—			—
Adjusted net charge-offs (non-GAAP)	F	$	67		$	82		$	127		$	114		$	144
Average residential first mortgage loans (GAAP)	G	$	12,137		$	12,127		$	12,752		$	12,835		$	12,823
Add: Average balances of residential first mortgage loans transferred to loans held for sale		—			—			74			—			—
Adjusted average residential first mortgage loans (non-GAAP)	H	$	12,137		$	12,127		$	12,826		$	12,835		$	12,823
Average total consumer loans (GAAP)	I	$	28,687		$	28,603		$	29,147		$	29,031		$	28,892
Add: Average balances of residential first mortgage loans transferred to loans held for sale		—			—			74			—			—
Adjusted average total consumer loans (non-GAAP)	J	$	28,687		$	28,603		$	29,221		$	29,031		$	28,892
Total average loans (GAAP)	K	$	76,390		$	75,139		$	75,843		$	75,359		$	74,549
Add: Average balances of residential first mortgage loans transferred to loans held for sale		—			—			74			—			—
Adjusted total average loans (non-GAAP)	L	$	76,390		$	75,139		$	75,917		$	75,359		$	74,549
Residential first mortgage net charge-off percentage (GAAP)*	A/G	0.20		%	0.32		%	5.10		%	0.41		%	0.56		%
Adjusted residential first mortgage net charge-off percentage (non-GAAP)*	B/H	0.20		%	0.32		%	0.41		%	0.41		%	0.56		%
Total consumer net charge-off percentage (GAAP)*	C/I	0.57		%	0.81		%	2.98		%	0.99		%	0.99		%
Adjusted total consumer net charge-off percentage (non-GAAP)*	D/J	0.57		%	0.81		%	0.93		%	0.99		%	0.99		%
Total net charge-off percentage (GAAP)*	E/K	0.35		%	0.44		%	1.46		%	0.60		%	0.77		%
Adjusted total net charge-off percentage (non-GAAP)*	F/L	0.35		%	0.44		%	0.67		%	0.60		%	0.77		%

________

* Annualized

12

Regions Financial Corporation and Subsidiaries                                

Financial Supplement to Second Quarter 2014 Earnings Release

Non-Accrual Loans (excludes loans held for sale)

	As of
($ amounts in millions)	6/30/2014				3/31/2014				12/31/2013				9/30/2013				6/30/2013
Commercial and industrial	$	200	0.64	%	$	280	0.92	%	$	257	0.87	%	$	383	1.28	%	$	408	1.41	%
Commercial real estate mortgage—owner-occupied	294		3.25	%	307		3.31	%	303		3.19	%	364		3.81	%	398		4.08	%
Commercial real estate construction—owner-occupied	8		2.32	%	16		4.31	%	17		5.33	%	12		3.25	%	15		4.38	%
Total Commercial	502		1.23	%	603		1.50	%	577		1.47	%	759		1.91	%	821		2.10	%
Commercial investor real estate mortgage	158		3.05	%	209		3.91	%	238		4.47	%	276		4.92	%	352		6.07	%
Commercial investor real estate construction	9		0.49	%	8		0.51	%	10		0.70	%	31		2.34	%	16		1.30	%
Total Investor Real Estate	167		2.39	%	217		3.11	%	248		3.67	%	307		4.43	%	368		5.25	%
Residential first mortgage	119		0.98	%	136		1.12	%	146		1.21	%	167		1.30	%	186		1.44	%
Home equity	111		1.00	%	114		1.02	%	111		0.98	%	121		1.06	%	130		1.14	%
Direct	—		—	%	—		—	%	—		—	%	—		—	%	—		0.06	%
Indirect	—		—	%	—		—	%	—		—	%	—		—	%	1		0.03	%
Consumer credit card	—		—	%	—		—	%	—		—	%	—		—	%	—		—	%
Other consumer	—		—	%	—		—	%	—		—	%	—		—	%	—		—	%
Total Consumer	230		0.80	%	250		0.87	%	257		0.90	%	288		0.99	%	317		1.09	%
Total Non-Accrual Loans	$	899	1.17	%	$	1,070	1.41	%	$	1,082	1.45	%	$	1,354	1.78	%	$	1,506	2.01	%

Criticized and Classified Loans—Commercial and Investor Real Estate

	As of
											6/30/2014					6/30/2014
($ amounts in millions)	6/30/2014		3/31/2014		12/31/2013		9/30/2013		6/30/2013		vs. 3/31/2014					vs. 6/30/2013
Special Mention	$	1,327	$	1,067	$	927	$	1,035	$	1,142	$	260		24.4	%	$	185		16.2	%
Accruing Classified Loans	1,055		1,094		1,263		1,411		1,587		(39		)	(3.6	)%	(532		)	(33.5	)%
Non-Accruing Classified Loans	669		820		825		1,066		1,189		(151		)	(18.4	)%	(520		)	(43.7	)%
Total	$	3,051	$	2,981	$	3,015	$	3,512	$	3,918	$	70		2.3	%	$	(867	)	(22.1	)%

Home Equity Lines of Credit - Future Maturities⁽¹⁾ 

	As of 6/30/2014
($ amounts in millions)	First Lien		% of Total		Second Lien		% of Total		Total
2014	$	14	0.16	%	$	114	1.29	%	$	128
2015	24		0.27	%	171		1.95	%	$	195
2016	30		0.34	%	40		0.45	%	$	70
2017	6		0.06	%	12		0.14	%	$	18
2018	18		0.20	%	26		0.30	%	$	44
2019-2023	1,244		14.12	%	1,106		12.55	%	$	2,350
2024-2028	2,770		31.43	%	3,111		35.30	%	$	5,881
Thereafter	72		0.82	%	55		0.62	%	$	127
Total	$	4,178	47.40	%	$	4,635	52.60	%	$	8,813

(1) The balance of Regions' home equity portfolio was $11,064 million at June 30, 2014 consisting of $8,813 million of home equity lines of credit and $2,251 million of closed-end home equity loans. The closed-end loans were primarily originated as amortizing loans, and were therefore excluded from the table above.

13

Regions Financial Corporation and Subsidiaries                                

Financial Supplement to Second Quarter 2014 Earnings Release

Early and Late Stage Delinquencies

Accruing 30-89 Days Past Due Loans	As of
($ amounts in millions)	6/30/2014				3/31/2014				12/31/2013				9/30/2013				6/30/2013
Commercial and industrial	$	35	0.11	%	$	27	0.09	%	$	43	0.15	%	$	31	0.10	%	$	36	0.12	%
Commercial real estate mortgage—owner-occupied	56		0.63	%	37		0.39	%	56		0.59	%	56		0.59	%	52		0.54	%
Commercial real estate construction—owner-occupied	1		0.21	%	—		0.10	%	—		0.06	%	1		0.21	%	1		0.25	%
Total Commercial	92		0.23	%	64		0.16	%	99		0.25	%	88		0.22	%	89		0.23	%
Commercial investor real estate mortgage	61		1.17	%	75		1.41	%	35		0.66	%	118		2.11	%	60		1.04	%
Commercial investor real estate construction	—		0.01	%	2		0.15	%	5		0.32	%	4		0.27	%	3		0.21	%
Total Investor Real Estate	61		0.87	%	77		1.11	%	40		0.59	%	122		1.76	%	63		0.90	%
Residential first mortgage—non-guaranteed (1)	153		1.30	%	146		1.24	%	187		1.58	%	176		1.41	%	183		1.47	%
Home equity	111		1.00	%	123		1.10	%	146		1.30	%	131		1.15	%	133		1.16	%
Direct	8		0.92	%	8		0.95	%	9		1.09	%	8		1.03	%	9		1.16	%
Indirect	45		1.31	%	42		1.28	%	50		1.62	%	39		1.35	%	38		1.39	%
Consumer credit card	11		1.13	%	11		1.26	%	13		1.38	%	12		1.37	%	10		1.18	%
Other consumer	10		2.91	%	8		2.41	%	10		2.89	%	12		3.38	%	12		3.53	%
Total Consumer (1)	338		1.19	%	338		1.20	%	415		1.47	%	378		1.31	%	385		1.35	%
Total Accruing 30-89 Days Past Due Loans (1)	$	491	0.64	%	$	479	0.64	%	$	554	0.75	%	$	588	0.78	%	$	537	0.72	%
Accruing 90+ Days Past Due Loans	As of
($ amounts in millions)	6/30/2014				3/31/2014				12/31/2013				9/30/2013				6/30/2013
Commercial and industrial	$	9	0.03	%	$	7	0.02	%	$	6	0.02	%	$	6	0.02	%	$	8	0.03	%
Commercial real estate mortgage—owner-occupied	5		0.05	%	3		0.04	%	6		0.06	%	7		0.07	%	16		0.16	%
Commercial real estate construction—owner-occupied	—		—	%	—		—	%	—		—	%	—		0.12	%	—		—	%
Total Commercial	14		0.03	%	10		0.03	%	12		0.03	%	13		0.03	%	24		0.06	%
Commercial investor real estate mortgage	17		0.32	%	2		0.04	%	6		0.10	%	15		0.27	%	24		0.41	%
Commercial investor real estate construction	—		—	%	—		—	%	—		—	%	1		0.07	%	—		0.03	%
Total Investor Real Estate	17		0.24	%	2		0.03	%	6		0.08	%	16		0.23	%	24		0.34	%
Residential first mortgage—non-guaranteed (2)	136		1.15	%	154		1.31	%	142		1.21	%	149		1.19	%	178		1.42	%
Home equity	65		0.58	%	71		0.63	%	75		0.66	%	72		0.64	%	75		0.66	%
Direct	1		0.14	%	1		0.12	%	1		0.14	%	2		0.16	%	1		0.15	%
Indirect	5		0.16	%	5		0.15	%	5		0.17	%	4		0.15	%	3		0.13	%
Consumer credit card	11		1.19	%	12		1.30	%	12		1.28	%	12		1.27	%	11		1.27	%
Other consumer	2		0.57	%	2		0.62	%	3		0.64	%	2		0.47	%	3		0.63	%
Total Consumer (2)	220		0.78	%	245		0.87	%	238		0.84	%	241		0.83	%	271		0.95	%
Total Accruing 90+ Days Past Due Loans (2)	$	251	0.33	%	$	257	0.34	%	$	256	0.34	%	$	270	0.36	%	$	319	0.43	%

(1) Excludes loans that are 100% guaranteed by FHA and also those 100% guaranteed by GNMA where Regions has the right but not the obligation to repurchase. Total 30-89 days past due guaranteed loans excluded were $19 million at 6/30/14, $16 million at 3/31/14, $17 million at 12/31/13, $18 million at 9/30/13, and $20 million at 6/30/13.

(2) Excludes loans that are 100% guaranteed by FHA and also those 100% guaranteed by GNMA where Regions has the right but not the obligation to repurchase. Total 90 days or more past due guaranteed loans excluded were $88 million at 6/30/14, $94 million at 3/31/14, $106 million at 12/31/13, $97 million at 9/30/13, and $96 million at 6/30/13.

14

Regions Financial Corporation and Subsidiaries                                

Financial Supplement to Second Quarter 2014 Earnings Release

Troubled Debt Restructurings

	As of
($ amounts in millions)	6/30/2014		3/31/2014		12/31/2013		9/30/2013		6/30/2013
Current:
Commercial	$	332	$	408	$	441	$	428	$	426
Investor real estate	321		441		498		599		721
Residential first mortgage	261		240		212		894		898
Home equity	332		334		332		337		343
Consumer credit card	2		2		2		2		1
Other consumer	20		22		25		28		31
Total Current	1,268		1,447		1,510		2,288		2,420
Accruing 30-89 DPD:
Commercial	23		18		27		17		18
Investor real estate	34		18		13		88		26
Residential first mortgage	61		70		95		104		91
Home equity	24		23		29		29		33
Other consumer	2		2		2		3		3
Total Accruing 30-89 DPD	144		131		166		241		171
Total Accruing and <90 DPD	1,412		1,578		1,676		2,529		2,591
Non-accrual or 90+ DPD:
Commercial	146		207		156		283		302
Investor real estate	96		145		157		174		208
Residential first mortgage	130		147		156		161		177
Home equity	27		29		30		31		31
Total Non-accrual or 90+DPD	399		528		499		649		718
Total TDRs - Loans	$	1,811	$	2,106	$	2,175	$	3,178	$	3,309
TDRs - Held For Sale (1)	16		38		579		31		39
Total TDRs	$	1,827	$	2,144	$	2,754	$	3,209	$	3,348

(1) The majority of TDRs held for sale at December 31, 2013 were comprised of residential first mortgage loans transfered during the fourth quarter of 2013 and subsequently sold in the first quarter of 2014.

15

Regions Financial Corporation and Subsidiaries                                

Financial Supplement to Second Quarter 2014 Earnings Release

Reconciliation to GAAP Financial Measures—Continuing Operations

Adjusted Efficiency Ratios, Adjusted Fee Income Ratios, and Adjusted Non-Interest Income/Expense

The table below presents computations of the efficiency ratio (non-GAAP), which is a measure of productivity, generally calculated as non-interest expense divided by total revenue. The table also shows the fee income ratio (non-GAAP), generally calculated as non-interest income divided by total revenue. Management uses these ratios to monitor performance and believes these measures provide meaningful information to investors. Non-interest expense (GAAP) is presented excluding certain adjustments to arrive at adjusted non-interest expense (non-GAAP), which is the numerator for the efficiency ratio. Non-interest income (GAAP) is presented excluding certain adjustments to arrive at adjusted non-interest income (non-GAAP), which is the numerator for the fee income ratio. Net interest income on a taxable-equivalent basis and non-interest income are added together to arrive at total revenue (GAAP). Adjustments are made to arrive at adjusted total revenue (non-GAAP), which is the denominator for the fee income and efficiency ratios. Regions believes that the exclusion of these adjustments provides a meaningful base for period-to-period comparisons, which management believes will assist investors in analyzing the operating results of the Company and predicting future performance. These non-GAAP financial measures are also used by management to assess the performance of Regions’ business. It is possible that the activities related to the adjustments may recur; however, management does not consider the activities related to the adjustments to be indications of ongoing operations. Regions believes that presentation of these non-GAAP financial measures will permit investors to assess the performance of the Company on the same basis as that applied by management.

		Quarter Ended
($ amounts in millions)		6/30/2014			3/31/2014			12/31/2013			9/30/2013			6/30/2013			2Q14 vs. 1Q14					2Q14 vs. 2Q13
Non-interest expense (GAAP)		$	820		$	817		$	946		$	884		$	884		$	3		0.4	%	$	(64	)	(7.2	)%
Adjustments:
Loss on early extinguishment of debt		—			—			—			(5		)	(56		)	—			NM		56			(100.0	)%
Regulatory (charge) credit		7			—			(58		)	—			—			7			NM		7			NM
Branch consolidation and property and equipment charges		—			(6		)	(5		)	—			—			6			(100.0	)%	—			NM
Gain on sale of TDRs held for sale, net		—			35			—			—			—			(35		)	(100.0	)%	—			NM
Adjusted non-interest expense (non-GAAP)	A	$	827		$	846		$	883		$	879		$	828		$	(19	)	(2.2	)%	$	(1	)	(0.1	)%
Net interest income (GAAP)		$	822		$	816		$	832		$	824		$	808		$	6		0.7	%	$	14		1.7	%
Taxable-equivalent adjustment		15			15			14			14			13			—			NM		2			15.4	%
Net interest income, taxable-equivalent basis		837			831			846			838			821			6			0.7	%	16			1.9	%
Non-interest income (GAAP)		457			438			526			495			497			19			4.3	%	(40		)	(8.0	)%
Adjustments:
Leveraged lease termination gains, net		—			(1		)	(39		)	—			—			1			(100.0	)%	—			NM
Securities gains, net		(6		)	(2		)	—			(3		)	(8		)	(4		)	200.0	%	2			(25.0	)%
Gain on sale of other assets(1)		—			—			—			(24		)	—			—			NM		—			NM
Adjusted non-interest income (non-GAAP)	B	451			435			487			468			489			16			3.7	%	(38		)	(7.8	)%
Adjusted total revenue (non-GAAP)	C	$	1,288		$	1,266		$	1,333		$	1,306		$	1,310		$	22		1.7	%	$	(22	)	(1.7	)%
Adjusted efficiency ratio (non-GAAP)	A/C	64.2		%	66.9		%	66.3		%	67.3		%	63.1		%
Adjusted fee income ratio (non-GAAP)	B/C	35.0		%	34.4		%	36.5		%	35.9		%	37.3		%

_________

NM - Not Meaningful

(1) Gain on sale of a non-core portion of a Wealth Management business.

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Regions Financial Corporation and Subsidiaries                                

Financial Supplement to Second Quarter 2014 Earnings Release

Reconciliation to GAAP Financial Measures

Return Ratios, Tangible Common Ratios, Capital

The following tables provide calculations of “return on average tangible common stockholders’ equity”, end of period “tangible common stockholders’ equity” ratios and a reconciliation of stockholders’ equity (GAAP) to tangible common stockholders’ equity (non-GAAP), Tier 1 capital (regulatory) and “Tier 1 common equity” (non-GAAP). Tangible common stockholders’ equity ratios have become a focus of some investors and management believes they may assist investors in analyzing the capital position of the Company absent the effects of intangible assets and preferred stock. Traditionally, the Federal Reserve and other banking regulatory bodies have assessed a bank’s capital adequacy based on Tier 1 capital, the calculation of which is prescribed in amount by federal banking regulations. In connection with the Company’s Comprehensive Capital Analysis and Review (“CCAR”), these regulators are supplementing their assessment of the capital adequacy of a bank based on a variation of Tier 1 capital, known as Tier 1 common equity. While not prescribed in amount by federal banking regulations (under Basel I), analysts and banking regulators have assessed Regions’ capital adequacy using the tangible common stockholders’ equity and/or the Tier 1 common equity measures. Because tangible common stockholders’ and Tier 1 common equity are not formally defined by GAAP or prescribed in any amount by federal banking regulations (under Basel I), these measures are currently considered to be non-GAAP financial measures and other entities may calculate them differently than Regions’ disclosed calculations. Since analysts and banking regulators may assess Regions’ capital adequacy using tangible common stockholders’ equity and Tier 1 common equity, management believes that it is useful to provide investors the ability to assess Regions’ capital adequacy on these same bases.

Tier 1 common equity is often expressed as a percentage of risk-weighted assets. Under the risk-based capital framework, a company’s balance sheet assets and credit equivalent amounts of off-balance sheet items are assigned to one of four broad risk categories. The aggregated dollar amount in each category is then multiplied by the risk-weighted category. The resulting weighted values from each of the four categories are added together and this sum is the risk-weighted assets total that, as adjusted, comprises the denominator of certain risk-based capital ratios. Tier 1 capital is then divided by this denominator (risk-weighted assets) to determine the Tier 1 capital ratio. Adjustments are made to Tier 1 capital to arrive at Tier 1 common equity (non-GAAP). Tier 1 common equity (non-GAAP) is also divided by the risk-weighted assets to determine the Tier 1 common equity ratio (non-GAAP). The amounts disclosed as risk-weighted assets are calculated consistent with banking regulatory requirements.

The following tables also provide calculations of "Common equity Tier 1" (CET1), based on Regions’ current understanding of the Final Basel III requirements. In December 2010, the Basel Committee on Banking Supervision (the “Basel Committee”) released its final framework for Basel III, which will strengthen international capital and liquidity regulation. In June 2012, U.S. Regulators released three separate Notices of Proposed Rulemaking covering U.S. implementation of the Basel III framework. In July 2013, U.S. Regulators released final rules covering the U.S. implementation of the Basel III framework, which will change capital requirements and place greater emphasis on common equity. For Regions, the Basel III framework will be phased in beginning in 2015 with full implementation complete beginning in 2019. The calculations provided below are estimates, based on Regions’ current understanding of the final framework, including the Company’s interpretation of the requirements, and informal feedback received through the regulatory process. Regions’ understanding of the framework is evolving and will likely change as analysis and discussions with regulators continue. Because the Basel III implementation regulations are not formally defined by GAAP, these measures are considered to be non-GAAP financial measures, and other entities may calculate them differently from Regions’ disclosed calculations. Since analysts and banking regulators may assess Regions’ capital adequacy using the Basel III framework, we believe that it is useful to provide investors the ability to assess Regions’ capital adequacy on the same basis.

		As of and for Quarter Ended
($ amounts in millions, except per share data)		6/30/2014			3/31/2014			12/31/2013			9/30/2013			6/30/2013
RETURN ON AVERAGE TANGIBLE COMMON STOCKHOLDERS’ EQUITY
Net income available to common shareholders (GAAP)	A	$	292		$	311		$	219		$	285		$	259
Average stockholders’ equity (GAAP)		$	16,680		$	16,002		$	15,504		$	15,317		$	15,644
Less:
Average intangible assets (GAAP)		5,104			5,107			5,118			5,129			5,141
Average deferred tax liability related to intangibles (GAAP)		(184		)	(187		)	(189		)	(188		)	(188		)
Average preferred stock (GAAP)		779			444			452			460			468
Average tangible common stockholders’ equity (non-GAAP)	B	$	10,981		$	10,638		$	10,123		$	9,916		$	10,223
Return on average tangible common stockholders’ equity (non-GAAP)(1)	A/B	10.68		%	11.84		%	8.58		%	11.41		%	10.15		%
TANGIBLE COMMON RATIOS—CONSOLIDATED
Stockholders’ equity (GAAP)		$	17,029		$	16,132		$	15,768		$	15,489		$	15,329
Less:
Preferred stock (GAAP)		920			442			450			458			466
Intangible assets (GAAP)		5,097			5,110			5,111			5,123			5,134
Deferred tax liability related to intangibles (GAAP)		(183		)	(186		)	(188		)	(189		)	(187		)
Tangible common stockholders’ equity (non-GAAP)	C	$	11,195		$	10,766		$	10,395		$	10,097		$	9,916
Total assets (GAAP)		$	118,719		$	117,933		$	117,396		$	116,864		$	118,707
Less:
Intangible assets (GAAP)		5,097			5,110			5,111			5,123			5,134
Deferred tax liability related to intangibles (GAAP)		(183		)	(186		)	(188		)	(189		)	(187		)
Tangible assets (non-GAAP)	D	$	113,805		$	113,009		$	112,473		$	111,930		$	113,760
Shares outstanding—end of quarter	E	1,378			1,378			1,378			1,378			1,395
Tangible common stockholders’ equity to tangible assets (non-GAAP)	C/D	9.84		%	9.53		%	9.24		%	9.02		%	8.72		%
Tangible common book value per share (non-GAAP)	C/E	$	8.12		$	7.81		$	7.54		$	7.32		$	7.11

17

Regions Financial Corporation and Subsidiaries                                

Financial Supplement to Second Quarter 2014 Earnings Release

Return Ratios, Tangible Common Ratios, Capital (Continued)

		As of and for Quarter Ended
($ amounts in millions)		6/30/2014			3/31/2014			12/31/2013			9/30/2013			6/30/2013
TIER 1 COMMON RISK-BASED RATIO(2) —CONSOLIDATED
Stockholders’ equity (GAAP)		$	17,029		$	16,132		$	15,768		$	15,489		$	15,329
Accumulated other comprehensive (income) loss		52			229			319			411			478
Non-qualifying goodwill and intangibles		(4,797		)	(4,804		)	(4,798		)	(4,804		)	(4,812		)
Disallowed servicing assets		(28		)	(29		)	(31		)	(30		)	(30		)
Qualifying trust preferred securities		—			—			—			—			3
Tier 1 capital (regulatory)		$	12,256		$	11,528		$	11,258		$	11,066		$	10,968
Qualifying trust preferred securities		—			—			—			—			(3		)
Preferred stock (GAAP)		(920		)	(442		)	(450		)	(458		)	(466		)
Tier 1 common equity (non-GAAP)	F	$	11,336		$	11,086		$	10,808		$	10,608		$	10,499
Risk-weighted assets (regulatory)	G	$	98,036		$	97,418		$	96,416		$	96,486		$	94,640
Tier 1 common risk-based ratio (non-GAAP)	F/G	11.6		%	11.4		%	11.2		%	11.0		%	11.1		%
BASEL III COMMON EQUITY TIER 1 RATIO (2)
Stockholder's equity (GAAP)		$	17,029		$	16,132		$	15,768		$	15,489		$	15,329
Non-qualifying goodwill and intangibles (3)		(4,911		)	(4,923		)	(4,922		)	(4,933		)	(4,946		)
Adjustments, including all components of accumulated other comprehensive income, disallowed deferred tax assets, threshold deductions and other adjustments		(96		)	61			130			244			291
Preferred stock (GAAP)		(920		)	(442		)	(450		)	(458		)	(466		)
Basel III common equity Tier 1 (non-GAAP)	H	$	11,102		$	10,828		$	10,526		$	10,342		$	10,208
Basel III risk-weighted assets (non-GAAP)(4)	I	$	100,904		$	100,566		$	99,483		$	99,739		$	99,048
Basel III common equity Tier 1 ratio (non-GAAP)	H/I	11.0		%	10.8		%	10.6		%	10.4		%	10.3		%

(1) Annualized

(2) Current quarter amounts and the resulting ratio are estimated.

(3) Under Basel III, regulatory capital must be reduced by purchased credit card relationship intangible assets. These assets are partially allowed in Basel I capital.

(4) Regions continues to develop systems and internal controls to precisely calculate risk-weighted assets as required by Basel III. The amount included above is a reasonable approximation, based on our understanding of the requirements.

18

Regions Financial Corporation and Subsidiaries                                

Financial Supplement to Second Quarter 2014 Earnings Release

Statements of Discontinued Operations (unaudited)

On January 11, 2012, Regions entered into a stock purchase agreement to sell Morgan Keegan and Company, Inc. and related affiliates to Raymond James Financial Inc. The sale was closed on April 2, 2012. Regions Investment Management, Inc. (formerly known as Morgan Asset Management, Inc.) and Regions Trust were not included in the sale. In connection with the agreement, the results of the entities sold are reported as discontinued operations. The following table represents the unaudited condensed results of operations for discontinued operations.

	Quarter Ended
($ amounts in millions, except per share data)	6/30/2014			3/31/2014			12/31/2013			9/30/2013			6/30/2013
Non-interest expense:
Professional and legal fees	$	(3	)	$	(19	)	$	24		$	3		$	1
Other	1			—			1			(2		)	1
Total non-interest expense	(2		)	(19		)	25			1			2
Income (loss) from discontinued operations before income tax	2			19			(25		)	(1		)	(2		)
Income tax expense (benefit)	1			7			(11		)	(1		)	(1		)
Income (loss) from discontinued operations, net of tax	$	1		$	12		$	(14	)	$	—		$	(1	)
Weighted-average shares outstanding—during quarter (1):
Basic	1,378			1,378			1,378			1,388			1,401
Diluted	1,390			1,390			1,378			1,388			1,401
Earnings (loss) per common share from discontinued operations:
Basic	$	0.00		$	0.01		$	(0.01	)	$	(0.00	)	$	(0.00	)
Diluted	$	0.00		$	0.01		$	(0.01	)	$	(0.00	)	$	(0.00	)

_________

(1) In a quarter where there is a loss from discontinued operations, basic and diluted weighted-average common shares outstanding are the same.

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Regions Financial Corporation and Subsidiaries                                

Financial Supplement to Second Quarter 2014 Earnings Release

Forward-Looking Statements

This release may include forward-looking statements as defined in the Private Securities Litigation Reform Act of 1995, which reflect Regions’ current views with respect to future events and financial performance. Forward-looking statements are not based on historical information, but rather are related to future operations, strategies, financial results or other developments. Forward-looking statements are based on management’s expectations as well as certain assumptions and estimates made by, and information available to, management at the time the statements are made. Those statements are based on general assumptions and are subject to various risks, uncertainties and other factors that may cause actual results to differ materially from the views, beliefs and projections expressed in such statements. These risks, uncertainties and other factors include, but are not limited to, those described below:

• Current and future economic and market conditions in the United States generally or in the communities we serve, including the effects of declines in property values, unemployment rates and potential reduction of economic growth.

• Possible changes in trade, monetary and fiscal policies of, and other activities undertaken by, governments, agencies, central banks and similar organizations.

• The effects of a possible downgrade in the U.S. government’s sovereign credit rating or outlook.

• Possible changes in market interest rates.

• Any impairment of our goodwill or other intangibles, or any adjustment of valuation allowances on our deferred tax assets due to adverse changes in the economic environment, declining operations of the reporting unit, or other factors.

• Possible changes in the creditworthiness of customers and the possible impairment of the collectability of loans.

• Changes in the speed of loan prepayments, loan origination and sale volumes, charge-offs, loan loss provisions or actual loan losses.

• Possible acceleration of prepayments on mortgage-backed securities due to low interest rates, and the related acceleration of premium amortization on those securities.

• Our ability to effectively compete with other financial services companies, some of whom possess greater financial resources than we do and are subject to different regulatory standards than we are.

• Loss of customer checking and savings account deposits as customers pursue other, higher-yield investments.

• Our ability to develop and gain acceptance from current and prospective customers for new products and services in a timely manner.

• Changes in laws and regulations affecting our businesses, including changes in the enforcement and interpretation of such laws and regulations by applicable governmental and self-regulatory agencies.

• Our ability to obtain regulatory approval (as part of the CCAR process or otherwise) to take certain capital actions, including paying dividends and any plans to increase common stock dividends, repurchase common stock under current or future programs, or issue or redeem preferred stock or other regulatory capital instruments.

• Our ability to comply with applicable capital and liquidity requirements (including the finalized Basel III capital standards), including our ability to generate capital internally or raise capital on favorable terms.

• The costs and other effects (including reputational harm) of any adverse judicial, administrative, or arbitral rulings or proceedings, regulatory enforcement actions, or other legal actions to which we or any of our subsidiaries are a party.

• Any adverse change to our ability to collect interchange fees in a profitable manner, whether such change is the result of regulation, legislation or other governmental action.

• Our ability to manage fluctuations in the value of assets and liabilities and off-balance sheet exposure so as to maintain sufficient capital and liquidity to support our business.

• Possible changes in consumer and business spending and saving habits and the related effect on our ability to increase assets and to attract deposits.

• Any inaccurate or incomplete information provided to us by our customers or counterparties.

• Inability of our framework to manage risks associated with our business, including operational risk and credit risk.

• The inability of our internal disclosure controls and procedures to prevent, detect or mitigate any material errors or fraudulent acts.

• The effects of geopolitical instability, including wars, conflicts and terrorist attacks.

• The effects of man-made and natural disasters, including fires, floods, droughts, tornadoes, hurricanes and environmental damage.

• Our ability to keep pace with technological changes.

• Our ability to identify and address cyber-security risks such as data security breaches, “denial of service” attacks, “hacking” and identity theft.

• Possible downgrades in our credit ratings or outlook.

• The effects of problems encountered by other financial institutions that adversely affect us or the banking industry generally.

• The effects of the failure of any component of our business infrastructure which is provided by a third party.

• Our ability to receive dividends from our subsidiaries.

• Changes in accounting policies or procedures as may be required by the Financial Accounting Standards Board or other regulatory agencies.

• The effects of any damage to our reputation resulting from developments related to any of the items identified above.

The foregoing list of factors is not exhaustive. For discussion of these and other factors that may cause actual results to differ from expectations, look under the captions “Forward-Looking Statements” and “Risk Factors” of Regions’ Annual Report on Form 10-K for the year ended December 31, 2013, as filed with the Securities and Exchange Commission.

The words “anticipates,” “intends,” “plans,” “seeks,” “believes,” “estimates,” “expects,” “targets,” “projects,” “outlook,” “forecast,” “will,” “may,” “could,” “should,” “can,” and similar expressions often signify forward-looking statements. You should not place undue reliance on any forward-looking statements, which speak only as of the date made. We assume no obligation to update or revise any forward-looking statements that are made from time to time.

Regions’ Investor Relations contacts are List Underwood and Dana Nolan at (205) 581-7890; Regions’ Media contact is Evelyn Mitchell at (205) 264-4551.

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