Regions Financial (RF) 8-K/A Regulation FD Disclosure

A ss et ?Q ua lit y • 4Q 16 ?p ro vi si on ?$3 5?m ill io n?l es s?t ha n?N CO s?a tt ri bu ta bl e?t o?reductio n? in ?lo an s?o ut st an di ng ?an d?o ve ra ll?n et ?im pr ov em en t?i n?e ne rg y?p or tf ol io • 4Q 16 ?im pr ov em en t?i n?N PL s?d ri ve n? by ?d ec lin es ?in ?no n? en er gy ? commercia l?lo an s • A llo w an ce ?fo r?l oa n?l os se s, ?as ?a? pe rc en t?o f?N PL s, ?w as ?11 0% .?E xc lu di ng ? di re ct ?en er gy ?th is ?ra tio ?in cr ea se d? lin ke d?quarte r?f ro m ?12 3% (2 ) to ? 13 8% (2 ) • D ir ec t?e ne rg y?c ha rg e? of fs ?to ta le d?$ 37 ?m ill io n?i n?2 01 6, ?an d?a re ? ex pe ct ed ?to ?be ?le ss ?th an ?$4 0?m ill io n?i n?2 01 7? gi ve n?c ur re nt ?m ar ke t? co nd iti on s • 20 17 ?n et ?ch ar ge ?o ff s?e xp ec te d? be tw ee n? 35 ?an d?5 0?b ps ;?in cr ea se ?du e? to ?re so lu tio n?o f?e ne rg y?c re di ts ?an d?e xp ec te d? gr ow th ?in ?un se cu re d? consume r?b al an ce s Cr iti ci ze d? Bu si ne ss ?Le nd in g?L oa ns (1 ) Ex cl ud es ?lo an s?h el d? fo r?s al e (2 ) N on ?G A A P; ?se e?a pp en di x?f or ?re co nc ili at io n N et ?C ha rg e? of fs ?an d? Ra tio 11 28 17 6 14 50 ? 68 ? 55 ? 48 ? 69 ? 0. 38 % 0. 34 % 0. 35 % 0. 26 % 0. 41 % 4Q 15 1Q 16 2Q 16 3Q 16 4Q 16 N et ?C ha rg e? of fs ?(N on ?E ne rg y) N et ?C ha rg e? of fs ?(D ir ec t?E ne rg y) N et ?C ha rg e? of fs ?ra tio $7 8 $6 8 $7 2 $8 3 $5 4 ($ ?in ?m illi on s) 82 3? 1, 20 0? 1, 07 8? 1, 02 4? 97 1? 2, 54 8? 2, 42 5? 2, 58 6? 2, 71 8? 2, 64 1? $3 ,3 71 $3 ,6 25 $3 ,6 64 $3 ,7 42 $3 ,6 12 4Q 15 1Q 16 2Q 16 3Q 16 4Q 16 Cr iti ci ze d?(Direc t?E ne rg y) Cr iti ci ze d? (N on ?E ne rg y) ($ ?in ?m illi on s) ($ ?in ?m illi on s) $7 82 ? $9 93 ? $1 ,0 25 ? $1 ,0 78 ? $9 95 ? 14 1% 11 6% 11 2% 10 4% 11 0% 13 7% 13 2% 12 4% 12 3% 13 8% 4Q 15 1Q 16 2Q 16 3Q 16 4Q 16 N PL s Co ve ra ge ?R at io A dj us te d? co ve ra ge ?ra te ?ex cl ud in g?D ir ec t?E ne rg y ??? N PL s?a nd ?C ov er ag e?R at io (1 ) EXHIBIT 99.1

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