8-K

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, DC 20549

FORM 8-K

CURRENT REPORT

PURSUANT TO SECTION 13 OR 15(d) OF THE

SECURITIES EXCHANGE ACT OF 1934

Date of Report (Date of earliest event reported): January 21, 2014

REGIONS FINANCIAL CORPORATION

(Exact name of registrant as specified in its charter)

DELAWARE	001-34034	63-0589368
(State or other jurisdiction of incorporation)	(Commission File Number)	(IRS Employer Identification No.)

1900 FIFTH AVENUE NORTH

BIRMINGHAM, ALABAMA 35203

(Address, including zip code, of principal executive office)

Registrant’s telephone number, including area code: (800) 734-4667

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

¨ Written communication pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

¨ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

¨ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

¨ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Item 2.02 Results of Operations and Financial Condition

Item 7.01 Regulation FD Disclosure

On January 21, 2014, Regions Financial Corporation (“Regions”) issued a press release announcing its preliminary results of operations for the quarter and year ended December 31, 2013. A copy of the press release is attached hereto as Exhibit 99.1. Supplemental financial information for the quarter and year ended December 31, 2013 is attached as Exhibit 99.2. Executives from Regions will review the results via teleconference and live audio webcast at 11:00 a.m. Eastern time today. A copy of a visual presentation that will be a part of that review is attached as Exhibit 99.3. All of the attached exhibits are incorporated herein and may also be found on Regions website at www.regions.com.

An archived webcast of the teleconference will be available until February 21, 2014 on the Investor Relations page of Regions' web site at www.regions.com.

In accordance with general instruction B.2 of Form 8-K, this information is being furnished and shall not be deemed filed for purposes of Section 18 of the Securities Exchange Act of 1934.

Item 9.01 Financial Statements and Exhibits

(d) Exhibits

99.1	Press Release dated January 21, 2014
99.2	Supplemental Financial Information
99.3	Visual Presentation of January 21, 2014

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

REGIONS FINANCIAL CORPORATION
By:	/s/ Fournier J. Gale, III
Name:	Fournier J. Gale, III
Title:	Senior Executive Vice President, General Counsel and Corporate Secretary

Date: January 21, 2014

EX-99.1

Exhibit 99.1

Media Contact:	Investor Relations Contact:
Evelyn Mitchell	List Underwood
(205) 264-4551	Dana Nolan
	(205) 801-0265

Regions reports full year 2013 net income available to common shareholders

of $1.1 billion, an increase of 10 percent over 2012

BIRMINGHAM, Ala. - (BUSINESS WIRE) - January 21, 2014 - Regions Financial Corporation (NYSE:RF) today announced earnings for the fourth quarter and full year ended December 31, 2013. For the fourth quarter, the company reported net income available to common shareholders of $219 million and earnings per diluted share of $0.16. For the full year 2013, Regions reported net income available to common shareholders of $1.1 billion, an increase of 10 percent over 2012. Earnings per diluted share for 2013 was $0.77, an increase of 8.5 percent from the prior year. The full year results reflect continued loan growth and an expanding customer base.

There were a number of notable items in the fourth quarter, detailed below, which had the combined effect of reducing fourth quarter net income available to common shareholders by $75 million and diluted earnings per share by $0.05.

These items include the transfer of certain loans totaling $686 million, classified as troubled debt restructurings (TDRs), to held-for-sale as part of Regions’ continued effort to further simplify and strengthen the balance sheet. This transfer resulted in an after-tax charge of $46 million. Also, the company benefited from certain leveraged lease terminations resulting in an after-tax impact of $6 million. During the quarter the company announced the consolidation of 30 branches that will drive greater efficiencies in the branch network, and resulted in an after-tax charge of $3 million. In addition, during the fourth quarter, Regions recorded a non-tax deductible charge of $58 million related to previously disclosed inquiries from government authorities concerning matters from 2009. Regions is in discussions with its banking supervisors to resolve their inquiries on these matters. The company also recorded a $40 million reduction to overall income tax expenses primarily related to valuation allowance adjustments. Finally, the company incurred an additional $25 million in pre-tax legal expenses related to adjustments to the indemnification reserve established in connection with the sale of Morgan Keegan, which is reflected in discontinued operations.

	Impact
($ in millions, except per share data)	Pre-tax $		After-tax $		EPS
Impact of Loans Transferred to Held-For-Sale	(75	)	(46	)
Leveraged Lease Terminations	39		6
Branch Consolidations	(5	)	(3	)
Regulatory Charge	(58	)	(58	)
Tax Reduction, Primarily Valuation Allowance	-		40
Total Impact to Continuing Operations	(99	)	(61	)	$	(0.04	)
Indemnification Legal Reserve Increase	(25	)	(14	)	$	(0.01	)
Total Impact to Net Income Available to Common Shareholders	(124	)	(75	)	$	(0.05	)

Continued execution of business priorities

Throughout 2013, Regions continued to successfully execute on its key business priorities. By leveraging Regions360, the company grew loans and expanded the number of customers while continuing to prudently manage expenses.

“2013 was a foundational year for Regions as we took decisive action to position the company for long-term, sustainable growth while also achieving positive loan growth,” said Grayson Hall, president, chairman and CEO. “By focusing on meeting the financial needs of our customers and maintaining our efforts to operate more efficiently, we concluded the year with more customers and successfully lowered adjusted expenses⁽¹⁾ compared to the prior year. We are optimistic about growth prospects for 2014 as consumers and businesses begin the year with healthy balance sheets and the economy continues to improve.”

Strengthening asset quality by further de-risking the balance sheet

During the fourth quarter, Regions transferred loans totaling approximately $686 million to held-for-sale. The loans transferred were primarily accruing first lien residential mortgages classified as troubled debt restructurings (TDRs) and the company expects to execute a sale of these loans early this year. This transaction, when completed, is expected to result in lower deposit administrative fees, improve the company’s credit profile and further strengthen the company’s balance sheet.

Net charge-offs totaled $278 million in the fourth quarter, including $151 million related to the transfer of residential mortgage loans to held-for-sale. Regions' provision for loan losses was $79 million for the quarter, of which $75 million was related to the loan transfers. The prior quarter’s loan loss provision amounted to $18 million. The allowance for loan and lease losses represented 1.80 percent of total loans outstanding, a decline of 23 basis points from the prior quarter.

Non-performing loans (excluding loans held-for-sale) improved $272 million, or 20 percent, from the prior quarter and 36 percent from the prior year. The pace of loans migrating into non-performing loan status declined 12 percent from the previous quarter to $175 million and is down 50 percent from the previous year. In addition, commercial and investor real estate criticized and classified loans declined 14 percent in the quarter and were down 33 percent year-over-year.

Loan balances impacted by transfer of loans to held-for-sale

Total loan balances for the year reflect increased loan production offset by the impact of the transfer of residential mortgage loans to held-for-sale. Loans totaled $75 billion at the end of 2013, an increase of 1 percent from the end of the previous year. Excluding the transfer of residential mortgage loans to held-for-sale, year over year adjusted loan growth was 2 percent⁽¹⁾. This reflected the company’s ability to successfully grow loans in a challenging economic environment.

Business lending drove overall loan growth throughout 2013 and was led by the company’s specialized lending groups and asset based lending. Specifically, commercial and industrial loans grew 10 percent from the end of the previous year, marking the highest single year increase since 2008 and commitments for new loans increased 14 percent. Notably, in consumer loans the origination of loans for new home purchases increased to 52 percent of total originations, an increase of 15 percentage points from the prior year. This has offset the decline in balances related to mortgage refinancing activity. Importantly, total new and renewed loan production increased 8 percent for the full year.

For the fourth quarter, total average loan balances were up 1 percent from the previous quarter; however, ending loans declined 2 percent. This was primarily related to the residential mortgage loans transferred to held-for-sale, the termination of leveraged leases, and the repayment of loans, some of which were non-performing. Excluding the residential mortgage loans transferred, adjusted ending loans declined 1 percent⁽¹⁾; however, total earning assets increased $190 million from the previous quarter.

Commercial and industrial loans increased 2 percent quarter over quarter on an average basis, but declined 2 percent on an ending basis. Previously mentioned transactions impacted ending loan balances. Importantly, the company’s commitments for future loans increased 1 percent to $38 billion. Investor real estate new loan production continued to increase as economic conditions in certain markets continued to improve. New loan production increased 2 percent from the previous quarter and 92 percent over the prior year. The increase in new loan production has served to offset de-risking; as a result, total loans in this portfolio declined only slightly from the previous quarter.

Total consumer lending production continues to be impacted by a decline in mortgage production, as expected. However, indirect auto lending achieved another solid quarter, growing 6 percent, partially offsetting the decline in mortgage production. The company has relationships with 2,140 dealers and continues to focus on increasing the number of loans per dealer by enhancing loan response time.

Mortgage loan balances declined $693 million sequentially; however, $686 million of this decline was attributable to the loans transferred to held-for-sale. Excluding the loan transfers, mortgage balances remained steady from the previous quarter. The home equity loan portfolio, which consists of home equity loans and lines of credit, declined modestly from the previous quarter. Pay downs on home equity lines of credit have been offset by the results of our increased focus on our home equity loan product.

Consumer credit card balances increased 6 percent from the previous quarter as the number of active credit card holders increased 4 percent. The company has been successful driving increases in the credit card portfolio through targeted marketing to existing customers and balance transfer offers.

Total funding costs continued to decline

Total funding costs were 34 basis points in the fourth quarter, a decline of 16 basis points from the same period in the prior year. This was a result of liability management actions in the second quarter and lower deposit costs. Average deposits for the fourth quarter totaled $92 billion, a decrease of $3 billion from the fourth quarter of 2012. The mix of deposits continued to improve in 2013, as ending low-cost deposits increased $746 million and higher cost time deposits declined $3.8 billion. Importantly, low-cost deposits as a percent of total deposits were 90 percent at the end of 2013, compared to 86 percent at the end of 2012. Deposit costs totaled 12 basis points in the fourth quarter, a decline of 10 basis points from the same period in the prior year, resulting from the positive change in deposit mix.

Net interest margin expanded 2 basis points sequentially and 16 basis points in 2013

Net interest income increased $8 million or 1 percent from the previous quarter driven primarily by the impact of rising long-term interest rates and by the related slow down in prepayments within the securities portfolio. The resulting net interest margin expanded 2 basis points to 3.26 percent in the fourth quarter, an increase of 16 basis points over the same period in the prior year.

Non-interest revenue and non-interest expense impacted by company initiatives

Non-interest revenue totaled $526 million, an increase of $31 million from the previous quarter. The previous quarter included a $24 million gain related to the divestiture of a non-core portion of the Wealth Management business, and the fourth quarter included a net gain of $17 million related to the sale of certain low-income housing investments. Additionally, during the fourth quarter the company terminated two leveraged leases that resulted in a gain of $39 million with an offsetting $33 million tax expense.

Non-interest revenue was also impacted by an expected decline in mortgage revenue due to a 23 percent decline in mortgage production as average mortgage interest rates continued to increase.

Total non-interest expense was $946 million, which included expenses related to the branch closures and the regulatory charge. Excluding these items, adjusted non-interest expense⁽¹⁾ was relatively stable from the third quarter. Salaries and benefits increased from the previous quarter as an increase in staffing in customer facing, revenue-generating and compliance positions was partially offset by a decline in mortgage operations expense.

Strong capital and solid liquidity

Regions' capital position remains strong as the Tier 1 ratio was estimated at 11.6* percent at quarter end. In addition, the Tier 1 Common ratio was estimated at 11.2* percent, an increase of 40 basis points from one year ago. Likewise, the company’s liquidity position remained solid as the loan to deposit ratio at the end of the quarter was 81 percent.

Highlights	Quarter Ended
($ in millions, except per share data)	12/31/2013			9/30/2013			12/31/2012
Net Income
Net interest income	$	832		$	824		$	818
Non-interest income	526			495			536
Total revenue	1,358			1,319			1,354
Provision for loan losses	79			18			37
Non-interest expense	946			884			902
Income from continuing operations before income tax	333			417			415
Income tax expense	92			124			138
Income from continuing operations (A)	241			293			277
Income (loss) from discontinued operations, net of tax	(14		)	—			(12		)
Net income	227			293			265
Preferred dividends (B)	8			8			4
Net income available to common shareholders	$	219		$	285		$	261
Income from continuing operations available to common shareholders (A) – (B)	$	233		$	285		$	273
Diluted EPS Summary
Earnings per common share	$	0.16		$	0.20		$	0.18
(Loss) per share from discontinued operations	(0.01		)	—			(0.01		)
Earnings per common share from continuing operations	$	0.17		$	0.20		$	0.19
Key Ratios*
Net interest margin (FTE) from continuing operations~	3.26		%	3.24		%	3.10		%
Tier 1 capital*	11.6		%	11.5		%	12.0		%
Tier 1 common* risk-based ratio(1) (non-GAAP)	11.2		%	11.0		%	10.8		%
Tangible common stockholders’ equity to tangible assets(1) (non-GAAP)	9.24		%	9.02		%	8.63		%
Tangible common book value per share(1) (non-GAAP)	$	7.54		$	7.32		$	7.11
Allowance for loan losses as a percentage of loans, net of unearned income	1.80		%	2.03		%	2.59		%
Net charge-offs as a percentage of average net loans~	1.46		%	0.60		%	0.96		%
Adjusted net charge-offs as a percentage of average loans (non-GAAP)~ (1)	0.67		%	0.60		%	0.96		%
Non-accrual loans, excluding loans held for sale, as a percentage of loans	1.45		%	1.78		%	2.27		%
Non-performing assets as a percentage of loans, foreclosed properties and non-performing loans held for sale	1.74		%	2.03		%	2.59		%
Non-performing assets (including 90+ past due) as a percentage of loans, foreclosed properties and non-performing loans held for sale(2)	2.08		%	2.38		%	3.07		%

Highlights	Full Year Ended
($ in millions, except per share data)	12/31/2013			12/31/2012
Net Income
Net interest income	$	3,262		$	3,300
Non-interest income	2,019			2,100
Total revenue	5,281			5,400
Provision for loan losses	138			213
Non-interest expense	3,556			3,526
Income from continuing operations before income tax	1,587			1,661
Income tax expense	452			482
Income from continuing operations (A)	1,135			1,179
Income (loss) from discontinued operations, net of tax	(13		)	(59		)
Net income	1,122			1,120
Preferred dividends and accretion (B)	32			129
Net income available to common shareholders	$	1,090		$	991
Income from continuing operations available to common shareholders (A) – (B)	$	1,103		$	1,050
Diluted EPS Summary
Earnings per common share	$	0.77		$	0.71
(Loss) per share from discontinued operations	(0.01		)	(0.05		)
Earnings per common share from continuing operations	$	0.78		$	0.76

 *Tier 1 Common and Tier 1 Capital ratios for the current quarter are estimated

~Annualized

(1) Non-GAAP, refer to pages 8, 10, 14 and 19-21 of the financial supplement to this earnings release

(2) Guaranteed residential first mortgages were excluded from the 90+ past due amounts, refer to pages 13 and 17 of the financial supplement to this earnings release

About Regions Financial Corporation

Regions Financial Corporation (NYSE:RF), with $117 billion in assets, is a member of the S&P 500 Index and is one of the nation’s largest full-service providers of consumer and commercial banking, wealth management, mortgage, and insurance products and services. Regions serves customers in 16 states across the South, Midwest and Texas, and through its subsidiary, Regions Bank, operates approximately 1,700 banking offices and 2,000 ATMs. Additional information about Regions and its full line of products and services can be found at www.regions.com.

Forward-Looking Statements

This release may include forward-looking statements which reflect Regions’ current views with respect to future events and financial performance. The Private Securities Litigation Reform Act of 1995 (the “Act”) provides a “safe harbor” for forward-looking statements which are identified as such and are accompanied by the identification of important factors that could cause actual results to differ materially from the forward-looking statements. For these statements, we, together with our

subsidiaries, unless the context implies otherwise, claim the protection afforded by the safe harbor in the Act. 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:

• The Dodd-Frank Wall Street Reform and Consumer Protection Act (the “Dodd-Frank Act”) became law in July 2010, and a number of legislative, regulatory and tax proposals remain pending. All of the foregoing may have significant effects on Regions and the financial services industry, the exact nature and extent of which cannot be determined at this time.

• Current developments in recent litigation against the Board of Governors of the Federal Reserve System could result in possible reductions in the maximum permissible interchange fee that an issuer may receive for electronic debit transactions and/or the possible expansion of providing merchants with the choice of multiple unaffiliated payment networks for each transaction, each of which could negatively impact the income Regions currently receives with respect to those transactions.

• Possible additional loan losses, impairment of goodwill and other intangibles, and adjustment of valuation allowances on deferred tax assets and the impact on earnings and capital.

• Possible changes in interest rates may increase funding costs and reduce earning asset yields, thus reducing margins. Increases in benchmark interest rates could also increase debt service requirements for customers whose terms include a variable interest rate, which may negatively impact the ability of borrowers to pay as contractually obligated.

• Possible adverse changes in general economic and business conditions in the United States in general and in the communities Regions serves in particular.

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

• Possible changes in trade, monetary and fiscal policies, laws and regulations and other activities of governments, agencies, and similar organizations, may have an adverse effect on business.

• Possible regulations issued by the Consumer Financial Protection Bureau or other regulators which might adversely impact Regions’ business model or products and services.

• Regions’ ability 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, is subject to the review of such proposed actions by the Federal Reserve as part of Regions’ comprehensive capital plan for the applicable period in connection with the regulators’ Comprehensive Capital Analysis and Review (CCAR) process and to the acceptance of such capital plan and non-objection to such capital actions by the Federal Reserve.

• Possible stresses in the financial and real estate markets, including possible deterioration in property values.

• Regions’ 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 Regions’ business.

• Regions’ ability to expand into new markets and to maintain profit margins in the face of competitive pressures.

• Regions’ ability to develop competitive new products and services in a timely manner and the acceptance of such products and services by Regions’ customers and potential customers.

• Cyber-security risks, including “denial of service,” “hacking” and “identity theft,” that could adversely affect our business and financial performance, or our reputation.

• Regions’ ability to keep pace with technological changes.

• Regions’ ability to effectively identify and manage credit risk, interest rate risk, market risk, operational risk, legal risk, liquidity risk, reputational risk, counterparty risk, international risk, regulatory risk, and compliance risk.

• Regions’ ability to ensure adequate capitalization which is impacted by inherent uncertainties in forecasting credit losses.

• The reputational damage, cost and other effects of material contingencies, including litigation contingencies and negative publicity, fines, penalties, and other negative consequences from any adverse judicial, administrative or arbitral rulings or proceedings, regulatory violations and legal actions.

• The effects of increased competition from both banks and non-banks.

• The effects of geopolitical instability and risks such as terrorist attacks.

• Regions’ ability to identify and address data security breaches.

• Possible changes in consumer and business spending and saving habits could affect Regions’ ability to increase assets and to attract deposits.

• The effects of weather and natural disasters such as floods, droughts, wind, tornadoes and hurricanes, and the effects of man-made disasters.

• Possible downgrades in ratings issued by rating agencies.

• Possible changes in the speed of loan prepayments by Regions’ customers and loan origination or sales volumes.

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

• The effects of problems encountered by larger or similar financial institutions that adversely affect Regions or the banking industry generally.

• Regions’ ability to receive dividends from its subsidiaries.

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

• 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 Regions’ 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, 2012 and the “Forward-Looking Statements” section of Regions’ Quarterly Report on Form 10-Q for the quarters ended March 31, 2013, June 30, 2013 and September 30, 2013, as filed with the Securities and Exchange Commission.

The words “believe,” “expect,” “anticipate,” “project,” 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 contact is List Underwood at (205) 801-0265; Regions’ Media contact is Evelyn Mitchell at (205) 264-4551.

Use of non-GAAP financial measures

Regions believes excluding the impact of the residential first mortgage loans transferred to held for sale during the fourth quarter of 2013 provides a more meaningful calculation of loan growth rates and presents them on the same basis as that applied by management.

Regions believes that the presentation of pre-tax, pre-provision income (PPI) and the exclusion of certain items from 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 applied by management.

During the fourth quarter of 2013, Regions transferred certain primarily accruing restructured residential first mortgage loans to loans held for sale and marked the loans 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 will assist investors in analyzing the Company's credit quality performance as well as provide a better basis from which to predict future performance.

Regions' management uses the adjusted efficiency ratio (non-GAAP) and the adjusted fee income ratio (non-GAAP) to monitor performance and believes these measures provide meaningful information to investors. The computation of the adjusted efficiency ratio includes certain adjustments to non-interest expense (GAAP) to arrive at adjusted non-interest expense (non-GAAP), which is the numerator for the adjusted 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 adjusted 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 adjusted fee income and adjusted 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.

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 codified in federal banking regulations. In connection with the company’s Comprehensive Capital Analysis and Review process, these regulators supplement 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 measure. Because tangible common stockholders’ equity and Tier 1 common equity are not formally defined by GAAP or prescribed in amount by the 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. Tier 1 common equity is also divided by the risk-weighted assets to determine the Tier 1 common equity ratio. The amounts disclosed as risk-weighted assets are calculated consistent with banking regulatory requirements.

Non-GAAP financial measures have inherent limitations, are not required to be uniformly applied and are not audited. To mitigate these limitations, Regions has policies in place to identify and address expenses that qualify for non-GAAP presentation, including authorization and system controls to ensure accurate period to period comparisons. 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 earnings that excludes selected items does not represent the amount that effectively accrues directly to stockholders.

Management and the Board of Directors utilize non-GAAP measures as follows:

•Preparation of Regions’ operating budgets

•Monthly financial performance reporting

•Monthly close-out reporting of consolidated results (management only)

•Presentation to investors of company performance

See page 8 of the supplement to this earnings release for the computation of total ending loans (GAAP) to adjusted total ending loans (non-GAAP). See page 10 of the supplement to this earnings release for the computation of income (loss) from continuing operations available to common shareholders (GAAP) to pre-tax pre-provision income from continuing operations (non-GAAP) to adjusted pre-tax pre-provision income from continuing operations (non-GAAP). See page 14 of the supplement to this earnings release for the reconciliation of select annualized net charge-offs as a percentage of average loans ratios (GAAP) to select adjusted annualized net charge-offs as a percentage of average loans ratios (non-GAAP). See pages 19-21 of the supplement to this earnings release for 1) a reconciliation and computation of adjusted income (loss) available to common shareholders (non-GAAP), and adjusted income (loss) from continuing operations available to common shareholders (non-GAAP), 2) computation of return on average assets from continuing operations (GAAP) and adjusted return on average assets from continuing operations (non-GAAP), 3) a reconciliation of average and ending stockholders’ equity (GAAP) to average and ending tangible common stockholders’ equity (non-GAAP), 4) computation of return on average tangible common stockholders’ equity (non-GAAP) and adjusted return on average tangible common stockholders’ equity (non-GAAP), 5) a reconciliation of total assets (GAAP) to tangible assets (non-GAAP), 6) computation of tangible common stockholders’ equity (non-GAAP) to tangible assets (non-GAAP) and tangible common book value per share (non-GAAP), 7) a reconciliation of stockholders’ equity (GAAP) to Tier 1 common equity (non-GAAP), 8) computation of Tier 1 common risk-based ratio (non-GAAP), 9) a reconciliation of non-interest expense (GAAP) to adjusted non-interest expense (non-GAAP), 10) a reconciliation of non-interest income (GAAP) to adjusted non-interest income (non-GAAP), and 11) a computation of the adjusted efficiency ratio and fee income ratio (non-GAAP).

EX-99.2

Exhibit 99.2

Regions Financial Corporation and Subsidiaries

Financial Supplement

Fourth Quarter 2013

Regions Financial Corporation and Subsidiaries                                

Financial Supplement to Fourth Quarter 2013 Earnings Release

Table of Contents

	Page
Consolidated Balance Sheets	1
Consolidated Statements of Income	2
Selected Ratios and Other Information	4
Consolidated Average Daily Balances and Yield / Rate Analysis from Continuing Operations	5
Loans	8
Deposits	9
Pre-Tax Pre-Provision Income (“PPI”) and Adjusted PPI	10
Non-Interest Income, Mortgage Income and Wealth Management Income	11
Non-Interest Expense	12
Credit Quality
Allowance for Credit Losses, Net Charge-Offs and Related Ratios	13
NPL, Foreclosed Property and Held for Sale Migration	15
Non-Accrual Loans (excludes loans held for sale), Criticized and Classified Loans - Commercial and Investor Real Estate, and Residential Lending Net Charge-Off Analysis	16
Early and Late Stage Delinquencies	17
Troubled Debt Restructurings	18
Reconciliation to GAAP Financial Measures
Efficiency Ratios, Fee Income Ratios, and Adjusted Non-Interest Income / Expense	19
Return Ratios, Tangible Common Ratios and Capital	20
Statements of Discontinued Operations	22
Forward-Looking Statements	23

Regions Financial Corporation and Subsidiaries                                

Financial Supplement to Fourth Quarter 2013 Earnings Release

Consolidated Balance Sheets (unaudited)

	As of
($ amounts in millions)	12/31/2013			9/30/2013			6/30/2013			3/31/2013			12/31/2012
Assets:
Cash and due from banks	$	1,661		$	2,032		$	2,112		$	1,796		$	1,979
Interest-bearing deposits in other banks	3,612			1,827			2,168			3,137			3,510
Trading account securities	111			119			102			121			116
Securities held to maturity	2,353			2,388			2,425			8			10
Securities available for sale	21,485			21,630			22,001			27,089			27,244
Loans held for sale	1,055			673			839			1,082			1,383
Loans, net of unearned income	74,609			75,892			74,990			73,936			73,995
Allowance for loan losses	(1,341		)	(1,540		)	(1,636		)	(1,749		)	(1,919		)
Net loans	73,268			74,352			73,354			72,187			72,076
Other interest-earning assets	86			105			135			102			900
Premises and equipment, net	2,216			2,218			2,228			2,252			2,279
Interest receivable	313			331			326			366			344
Goodwill	4,816			4,816			4,816			4,816			4,816
Mortgage servicing rights at fair value (MSRs)	297			281			276			236			191
Other identifiable intangible assets	295			307			318			331			345
Other assets	5,828			5,785			7,607			6,195			6,154
Total assets	$	117,396		$	116,864		$	118,707		$	119,718		$	121,347
Liabilities and stockholders’ equity:
Deposits:
Non-interest-bearing	$	30,083		$	30,308		$	29,464		$	29,971		$	29,963
Interest-bearing	62,370			62,013			62,990			64,162			65,511
Total deposits	92,453			92,321			92,454			94,133			95,474
Borrowed funds:
Short-term borrowings:
Federal funds purchased and securities sold under agreements to repurchase	2,182			1,773			2,877			1,829			1,449
Other short-term borrowings	—			—			1,000			1			125
Total short-term borrowings	2,182			1,773			3,877			1,830			1,574
Long-term borrowings	4,830			4,838			4,856			5,847			5,861
Total borrowed funds	7,012			6,611			8,733			7,677			7,435
Other liabilities	2,163			2,443			2,191			2,168			2,939
Total liabilities	101,628			101,375			103,378			103,978			105,848
Stockholders’ equity:
Preferred stock, Series A non-cumulative perpetual	450			458			466			474			482
Common stock	14			14			14			15			15
Additional paid-in capital	19,216			19,248			19,440			19,643			19,652
Retained earnings (deficit)	(2,216		)	(2,443		)	(2,736		)	(3,003		)	(3,338		)
Treasury stock, at cost	(1,377		)	(1,377		)	(1,377		)	(1,377		)	(1,377		)
Accumulated other comprehensive income (loss), net	(319		)	(411		)	(478		)	(12		)	65
Total stockholders’ equity	15,768			15,489			15,329			15,740			15,499
Total liabilities and stockholders’ equity	$	117,396		$	116,864		$	118,707		$	119,718		$	121,347

1

Regions Financial Corporation and Subsidiaries                                

Financial Supplement to Fourth Quarter 2013 Earnings Release

Consolidated Statements of Income (unaudited)

	Quarter Ended
($ amounts in millions, except per share data)	12/31/2013			9/30/2013			6/30/2013			3/31/2013		12/31/2012
Interest income on:
Loans, including fees	$	758		$	758		$	746		$	743	$	777
Securities—taxable	151			144			152			156		158
Loans held for sale	6			6			8			9		10
Trading account securities	1			1			—			1		1
Other interest-earning assets	1			2			1			2		2
Total interest income	917			911			907			911		948
Interest expense on:
Deposits	29			31			33			42		53
Short-term borrowings	—			1			1			—		1
Long-term borrowings	56			55			65			71		76
Total interest expense	85			87			99			113		130
Net interest income	832			824			808			798		818
Provision for loan losses	79			18			31			10		37
Net interest income after provision for loan losses	753			806			777			788		781
Non-interest income:
Service charges on deposit accounts	248			251			237			242		254
Mortgage income	43			52			69			72		90
Investment management and trust fee income	48			50			49			49		48
Securities gains, net	—			3			8			15		12
Other	187			139			134			123		132
Total non-interest income	526			495			497			501		536
Non-interest expense:
Salaries and employee benefits	464			455			452			447		438
Net occupancy expense	91			92			92			90		97
Furniture and equipment expense	71			71			69			69		65
Other	320			266			271			236		302
Total non-interest expense	946			884			884			842		902
Income from continuing operations before income taxes	333			417			390			447		415
Income tax expense	92			124			122			114		138
Income from continuing operations	241			293			268			333		277
Discontinued operations:
Income (loss) from discontinued operations before income taxes	(25		)	(1		)	(2		)	4		(19		)
Income tax expense (benefit)	(11		)	(1		)	(1		)	2		(7		)
Income (loss) from discontinued operations, net of tax	(14		)	—			(1		)	2		(12		)
Net income	$	227		$	293		$	267		$	335	$	265
Net income from continuing operations available to common shareholders	$	233		$	285		$	260		$	325	$	273
Net income available to common shareholders	$	219		$	285		$	259		$	327	$	261
Weighted-average shares outstanding—during quarter:
Basic	1,378			1,388			1,401			1,413		1,413
Diluted	1,395			1,405			1,418			1,423		1,423
Actual shares outstanding—end of quarter	1,378			1,378			1,395			1,413		1,413
Earnings per common share from continuing operations:
Basic	$	0.17		$	0.21		$	0.19		$	0.23	$	0.19
Diluted	$	0.17		$	0.20		$	0.18		$	0.23	$	0.19
Earnings per common share:
Basic	$	0.16		$	0.21		$	0.18		$	0.23	$	0.18
Diluted	$	0.16		$	0.20		$	0.18		$	0.23	$	0.18
Cash dividends declared per common share	$	0.03		$	0.03		$	0.03		$	0.01	$	0.01
Taxable-equivalent net interest income from continuing operations	$	846		$	838		$	821		$	811	$	831

2

Regions Financial Corporation and Subsidiaries                                

Financial Supplement to Fourth Quarter 2013 Earnings Release

Consolidated Statements of Income (unaudited)

	Year Ended December 31
($ amounts in millions, except per share data)	2013			2012
Interest income on:
Loans, including fees	$	3,005		$	3,178
Securities—taxable	603			681
Loans held for sale	29			33
Trading account securities	3			2
Other interest-earning assets	6			9
Total interest income	3,646			3,903
Interest expense on:
Deposits	135			284
Short-term borrowings	2			2
Long-term borrowings	247			317
Total interest expense	384			603
Net interest income	3,262			3,300
Provision for loan losses	138			213
Net interest income after provision for loan losses	3,124			3,087
Non-interest income:
Service charges on deposit accounts	978			985
Mortgage income	236			363
Investment management and trust fee income	196			195
Securities gains, net	26			48
Other	583			509
Total non-interest income	2,019			2,100
Non-interest expense:
Salaries and employee benefits	1,818			1,763
Net occupancy expense	365			382
Furniture and equipment expense	280			261
Other	1,093			1,120
Total non-interest expense	3,556			3,526
Income from continuing operations before income taxes	1,587			1,661
Income tax expense	452			482
Income from continuing operations	1,135			1,179
Discontinued operations:
Loss from discontinued operations before income taxes	(24		)	(99		)
Income tax benefit	(11		)	(40		)
Loss from discontinued operations, net of tax	(13		)	(59		)
Net income	$	1,122		$	1,120
Net income from continuing operations available to common shareholders	$	1,103		$	1,050
Net income available to common shareholders	$	1,090		$	991
Weighted-average shares outstanding—during year:
Basic	1,395			1,381
Diluted	1,410			1,387
Actual shares outstanding—end of period	1,378			1,413
Earnings per common share from continuing operations:
Basic	$	0.79		$	0.76
Diluted	$	0.78		$	0.76
Earnings per common share:
Basic	$	0.78		$	0.72
Diluted	$	0.77		$	0.71
Cash dividends declared per common share	$	0.10		$	0.04
Taxable-equivalent net interest income from continuing operations	$	3,316		$	3,350

3

Regions Financial Corporation and Subsidiaries                                

Financial Supplement to Fourth Quarter 2013 Earnings Release

Selected Ratios and Other Information

	As of and for Quarter Ended
	12/31/2013			9/30/2013			6/30/2013			3/31/2013			12/31/2012
Return on average assets from continuing operations*	0.79		%	0.97		%	0.88		%	1.11		%	0.90		%
Adjusted return on average assets from continuing operations (non-GAAP)* (1)	0.79		%	0.97		%	0.88		%	1.11		%	1.02		%
Return on average tangible common stockholders’ equity (non-GAAP)* (1)	8.58		%	11.41		%	10.15		%	13.12		%	10.42		%
Adjusted return on average tangible common stockholders’ equity (non-GAAP)* (1)	8.58		%	11.41		%	10.15		%	13.12		%	11.93		%
Adjusted efficiency ratio from continuing operations (non-GAAP) (1)	66.3		%	67.3		%	63.1		%	64.9		%	62.7		%
Common book value per share	$	11.12		$	10.90		$	10.65		$	10.80		$	10.63
Tangible common book value per share (non-GAAP) (1)	$	7.54		$	7.32		$	7.11		$	7.29		$	7.11
Tangible common stockholders’ equity to tangible assets (non-GAAP) (1)	9.24		%	9.02		%	8.72		%	8.98		%	8.63		%
Tier 1 Common risk-based ratio (non-GAAP) (1)(2)	11.2		%	11.0		%	11.1		%	11.2		%	10.8		%
Tier 1 Capital (2)	11.6		%	11.5		%	11.6		%	12.4		%	12.0		%
Total Risk-Based Capital (2)	14.7		%	14.5		%	14.7		%	15.8		%	15.4		%
Leverage (2)	10.1		%	9.9		%	9.7		%	10.1		%	9.6		%
Allowance for loan losses as a percentage of loans, net of unearned income	1.80		%	2.03		%	2.18		%	2.37		%	2.59		%
Allowance for loan losses to non-performing loans, excluding loans held for sale	1.24x			1.14x			1.09x			1.10x			1.14x
Net interest margin (FTE) from continuing operations*	3.26		%	3.24		%	3.16		%	3.13		%	3.10		%
Loans, net of unearned income, to total deposits	80.7		%	82.2		%	81.1		%	78.5		%	77.5		%
Net charge-offs as a percentage of average loans*	1.46		%	0.60		%	0.77		%	0.99		%	0.96		%
Adjusted net charge-offs as a percentage of average loans (non-GAAP)* (1)	0.67		%	0.60		%	0.77		%	0.99		%	0.96		%
Non-accrual loans, excluding loans held for sale, as a percentage of loans	1.45		%	1.78		%	2.01		%	2.15		%	2.27		%
Non-performing assets (excluding loans 90 days past due) as a percentage of loans, foreclosed properties and non-performing loans held for sale	1.74		%	2.03		%	2.25		%	2.41		%	2.59		%
Non-performing assets (including loans 90 days past due) as a percentage of loans, foreclosed properties and non-performing loans held for sale (3)	2.08		%	2.38		%	2.68		%	2.88		%	3.07		%
Associate headcount	24,255			24,068			23,692			23,466			23,427
Total branch outlets	1,705			1,706			1,709			1,709			1,711
ATMs	2,029			2,030			2,038			2,048			2,054

*Annualized

(1) See reconciliation of GAAP to non-GAAP Financial Measures on pages 14 and 19-21.

(2) Current quarter Tier 1 Common, Tier 1, 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 17 for amounts related to these loans.

4

Regions Financial Corporation and Subsidiaries                                

Financial Supplement to Fourth Quarter 2013 Earnings Release

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

	Quarter Ended
	12/31/2013							9/30/2013
($ amounts in millions; yields on taxable-equivalent basis)	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	%
Securities:
Taxable	23,771			151		2.52		24,074			144		2.38
Tax-exempt	5			—		—		5			—		—
Loans held for sale	625			6		3.94		751			6		3.34
Loans, net of unearned income:
Commercial and industrial	29,950			287		3.81		29,319			284		3.84
Commercial real estate mortgage—owner-occupied	9,613			116		4.81		9,678			116		4.77
Commercial real estate construction—owner-occupied	302			3		3.86		368			4		4.22
Commercial investor real estate mortgage	5,405			47		3.46		5,712			51		3.53
Commercial investor real estate construction	1,426			13		3.44		1,251			10		3.48
Residential first mortgage	12,752			126		3.92		12,835			128		3.95
Home equity	11,311			102		3.59		11,351			103		3.58
Indirect	3,014			29		3.77		2,810			28		3.88
Consumer credit card	910			28		11.83		878			26		12.16
Other consumer	1,160			21		7.21		1,157			22		7.52
Total loans, net of unearned income	75,843			772		4.04		75,359			772		4.07
Other interest-earning assets	2,579			1		0.24		2,447			2		0.25
Total interest-earning assets	102,933			931		3.59		102,743			925		3.57
Allowance for loan losses	(1,512		)					(1,613		)
Cash and due from banks	1,807							1,781
Other non-earning assets	13,735							14,006
	$	116,963						$	116,917
Liabilities and Stockholders’ Equity
Interest-bearing liabilities:
Savings accounts	$	6,049		2		0.09		$	6,076		1		0.10
Interest-bearing transaction accounts	19,815			4		0.09		19,613			5		0.09
Money market accounts	26,081			8		0.13		26,250			9		0.13
Time deposits	9,888			15		0.59		10,417			16		0.60
Total interest-bearing deposits (1)	61,833			29		0.19		62,356			31		0.19
Federal funds purchased and securities sold under agreements to repurchase	2,021			—		0.07		1,982			1		0.07
Other short-term borrowings	159			—		0.20		381			—		0.20
Long-term borrowings	4,840			56		4.56		4,845			55		4.57
Total interest-bearing liabilities	68,853			85		0.49		69,564			87		0.49
Non-interest-bearing deposits (1)	30,218			—		—		29,724			—		—
Total funding sources	99,071			85		0.34		99,288			87		0.35
Net interest spread						3.10							3.08
Other liabilities	2,386							2,312
Stockholders’ equity	15,506							15,317
	$	116,963						$	116,917
Net interest income/margin FTE basis				$	846	3.26	%				$	838	3.24	%

________

(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% and 0.13% for the quarters ended December 31, 2013 and September 30, 2013, respectively.

5

Regions Financial Corporation and Subsidiaries                                

Financial Supplement to Fourth Quarter 2013 Earnings Release

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

	Quarter Ended
	6/30/2013							3/31/2013							12/31/2012
($ 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	$	122		$	—	0.48	%	$	117		$	1	3.20	%	$	126		$	1	3.16	%
Securities:
Taxable	26,706			152		2.29		26,893			156		2.35		27,128			159		2.33
Tax-exempt	6			—		—		7			—		—		9			—		—
Loans held for sale	880			8		3.42		1,206			9		3.17		1,232			9		2.91
Loans, net of unearned income:
Commercial and industrial	28,301			272		3.85		27,058			260		3.90		26,414			266		4.01
Commercial real estate mortgage—owner-occupied	9,808			114		4.66		9,974			116		4.70		10,237			123		4.78
Commercial real estate construction—owner-occupied	339			5		5.27		303			3		4.41		298			3		4.00
Commercial investor real estate mortgage	6,124			54		3.58		6,613			59		3.59		7,404			66		3.55
Commercial investor real estate construction	1,085			10		3.57		951			9		3.77		901			12		5.30
Residential first mortgage	12,823			128		4.00		12,900			131		4.12		13,072			136		4.14
Home equity	11,475			103		3.62		11,670			105		3.64		11,912			108		3.61
Indirect	2,606			26		4.08		2,423			26		4.35		2,295			26		4.51
Consumer credit card	851			27		12.33		871			26		12.28		886			28		12.57
Other consumer	1,137			20		7.25		1,156			21		7.28		1,203			22		7.28
Total loans, net of unearned income	74,549			759		4.09		73,919			756		4.14		74,622			790		4.21
Other interest-earning assets	1,869			1		0.24		2,821			2		0.26		3,540			2		0.22
Total interest-earning assets	104,132			920		3.55		104,963			924		3.57		106,657			961		3.58
Allowance for loan losses	(1,706		)					(1,894		)					(2,027		)
Cash and due from banks	1,745							1,766							1,812
Other non-earning assets	14,077							14,288							14,594
	$	118,248						$	119,123						$	121,036
Liabilities and Stockholders’ Equity
Interest-bearing liabilities:
Savings accounts	$	6,148		2		0.09		$	5,929		1		0.10		$	5,689		1		0.07
Interest-bearing transaction accounts	19,636			4		0.10		20,440			6		0.11		19,694			6		0.12
Money market accounts	25,952			9		0.14		25,477			9		0.14		24,912			9		0.14
Time deposits	11,423			18		0.66		12,904			26		0.81		14,220			37		1.04
Total interest-bearing deposits (1)	63,159			33		0.21		64,750			42		0.26		64,515			53		0.33
Federal funds purchased and securities sold under agreements to repurchase	2,287			1		0.09		1,786			—		0.10		1,601			1		0.25
Other short-term borrowings	310			—		0.19		25			—		0.01		109			—		—
Long-term borrowings	5,298			65		4.93		5,857			71		4.89		6,109			76		4.95
Total interest-bearing liabilities	71,054			99		0.56		72,418			113		0.63		72,334			130		0.71
Non-interest-bearing deposits (1)	29,454			—		—		29,114			—		—		30,290			—		—
Total funding sources	100,508			99		0.40		101,532			113		0.45		102,624			130		0.50
Net interest spread						2.99							2.94							2.87
Other liabilities	2,097							2,047							3,094
Stockholders’ equity	15,643							15,544							15,318
	$	118,248						$	119,123						$	121,036
Net interest income/margin FTE basis				$	821	3.16	%				$	811	3.13	%				$	831	3.10	%

________

(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 0.15%, 0.18%, and 0.22% for the quarters ended June 30, 2013, March 31, 2013, and December 31, 2012, respectively.

6

Regions Financial Corporation and Subsidiaries                                

Financial Supplement to Fourth Quarter 2013 Earnings Release

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

	Year Ended December 31
	2013							2012
($ amounts in millions; yields on taxable-equivalent basis)	Average Balance			Income/ Expense		Yield/ Rate		Average Balance			Income/ Expense		Yield/ Rate
Assets
Interest-earning assets:
Trading account securities	$	114		$	3	2.24	%	$	134		$	3	2.24	%
Securities:
Taxable	25,349			603		2.38		26,667			681		2.55
Tax-exempt	6			—		—		17			—		—
Loans held for sale	864			29		3.41		1,150			33		2.87
Loans, net of unearned income:
Commercial and industrial	28,667			1,103		3.85		25,712			1,052		4.09
Commercial real estate mortgage—owner-occupied	9,767			462		4.73		10,645			503		4.73
Commercial real estate construction—owner-occupied	328			15		4.45		288			14		4.86
Commercial investor real estate mortgage	5,959			211		3.54		8,545			306		3.58
Commercial investor real estate construction	1,180			42		3.55		917			36		3.93
Residential first mortgage	12,827			513		4.00		13,376			570		4.26
Home equity	11,450			413		3.61		12,346			441		3.57
Indirect	2,715			109		4.00		2,095			102		4.87
Consumer credit card	878			107		12.14		918			115		12.53
Other consumer	1,153			84		7.31		1,193			88		7.38
Total loans, net of unearned income	74,924			3,059		4.08		76,035			3,227		4.24
Other interest-earning assets	2,428			6		0.25		3,792			9		0.24
Total interest-earning assets	103,685			3,700		3.57		107,795			3,953		3.67
Allowance for loan losses	(1,680		)					(2,376		)
Cash and due from banks	1,775							1,836
Other non-earning assets	14,025							14,927
	$	117,805						$	122,182
Liabilities and Stockholders’ Equity
Interest-bearing liabilities:
Savings accounts	$	6,051		6		0.09		$	5,589		4		0.07
Interest-bearing transaction accounts	19,873			19		0.10		19,419			23		0.12
Money market accounts	25,943			35		0.13		24,471			43		0.18
Time deposits	11,148			75		0.67		16,487			214		1.30
Total interest-bearing deposits (1)	63,015			135		0.21		65,966			284		0.43
Federal funds purchased and securities sold under agreements to repurchase	2,020			2		0.08		1,852			2		0.11
Other short-term borrowings	219			—		0.19		251			—		—
Long-term borrowings	5,206			247		4.75		6,694			317		4.74
Total interest-bearing liabilities	70,460			384		0.54		74,763			603		0.81
Non-interest-bearing deposits (1)	29,631			—		—		29,364			—		—
Total funding sources	100,091			384		0.38		104,127			603		0.58
Net interest spread						3.03							2.86
Other liabilities	2,212							3,020
Stockholders’ equity	15,502							15,035
	$	117,805						$	122,182
Net interest income/margin FTE basis				$	3,316	3.20	%				$	3,350	3.11	%

_____

(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 0.15% and 0.30% for the years ended December 31, 2013 and December 31, 2012, respectively.

7

Regions Financial Corporation and Subsidiaries                                

Financial Supplement to Fourth Quarter 2013 Earnings Release

Loans

	Quarter Ended
												12/31/2013					12/31/2013
($ amounts in millions)	12/31/2013		9/30/2013		6/30/2013		3/31/2013		12/31/2012			vs. 9/30/2013					vs. 12/31/2012
Commercial and industrial	$	29,413	$	29,863	$	28,954	$	27,602	$	26,674		$	(450	)	(1.5	)%	$	2,739		10.3	%
Commercial real estate mortgage—owner-occupied	9,495		9,566		9,731		9,812		10,095			(71		)	(0.7	)%	(600		)	(5.9	)%
Commercial real estate construction—owner-occupied	310		377		345		325		302			(67		)	(17.8	)%	8			2.6	%
Total commercial	39,218		39,806		39,030		37,739		37,071			(588		)	(1.5	)%	2,147			5.8	%
Commercial investor real estate mortgage	5,318		5,613		5,806		6,338		6,808			(295		)	(5.3	)%	(1,490		)	(21.9	)%
Commercial investor real estate construction	1,432		1,317		1,208		984		914			115			8.7	%	518			56.7	%
Total investor real estate	6,750		6,930		7,014		7,322		7,722			(180		)	(2.6	)%	(972		)	(12.6	)%
Residential first mortgage	12,163		12,856		12,839		12,875		12,963			(693		)	(5.4	)%	(800		)	(6.2	)%
Home equity—first lien	5,998		5,894		5,726		5,625		5,622			104			1.8	%	376			6.7	%
Home equity—second lien	5,296		5,455		5,684		5,921		6,178			(159		)	(2.9	)%	(882		)	(14.3	)%
Indirect	3,075		2,889		2,693		2,483		2,336			186			6.4	%	739			31.6	%
Consumer credit card	948		896		866		851		906			52			5.8	%	42			4.6	%
Other consumer	1,161		1,166		1,138		1,120		1,197			(5		)	(0.4	)%	(36		)	(3.0	)%
Total consumer	28,641		29,156		28,946		28,875		29,202			(515		)	(1.8	)%	(561		)	(1.9	)%
Total Loans (GAAP)	$	74,609	$	75,892	$	74,990	$	73,936	$	73,995		$	(1,283	)	(1.7	)%	$	614		0.8	%
Residential first mortgage loans transferred to held for sale	686		—		—		—		—			686			NM		686			NM
Adjusted Total Loans (non-GAAP) (1)	$	75,295	$	75,892	$	74,990	$	73,936	$	73,995		$	(597	)	(0.8	)%	$	1,300		1.8	%
	Average Balances
($ amounts in millions)	4Q13		3Q13		2Q13		1Q13		4Q12			4Q13 vs. 3Q13					4Q13 vs. 4Q12
Commercial and industrial	$	29,950	$	29,319	$	28,301	$	27,058	$	26,414		$	631		2.2	%	$	3,536		13.4	%
Commercial real estate mortgage—owner-occupied	9,613		9,678		9,808		9,974		10,237			(65		)	(0.7	)%	(624		)	(6.1	)%
Commercial real estate construction—owner-occupied	302		368		339		303		298			(66		)	(17.9	)%	4			1.3	%
Total commercial	39,865		39,365		38,448		37,335		36,949			500			1.3	%	2,916			7.9	%
Commercial investor real estate mortgage	5,405		5,712		6,124		6,613		7,404			(307		)	(5.4	)%	(1,999		)	(27.0	)%
Commercial investor real estate construction	1,426		1,251		1,085		951		901			175			14.0	%	525			58.3	%
Total investor real estate	6,831		6,963		7,209		7,564		8,305			(132		)	(1.9	)%	(1,474		)	(17.7	)%
Residential first mortgage	12,752		12,835		12,823		12,900		13,072			(83		)	(0.6	)%	(320		)	(2.4	)%
Home equity—first lien	5,963		5,825		5,697		5,642		5,632			138			2.4	%	331			5.9	%
Home equity—second lien	5,348		5,526		5,778		6,028		6,280			(178		)	(3.2	)%	(932		)	(14.8	)%
Indirect	3,014		2,810		2,606		2,423		2,295			204			7.3	%	719			31.3	%
Consumer credit card	910		878		851		871		886			32			3.6	%	24			2.7	%
Other consumer	1,160		1,157		1,137		1,156		1,203			3			0.3	%	(43		)	(3.6	)%
Total consumer	29,147		29,031		28,892		29,020		29,368			116			0.4	%	(221		)	(0.8	)%
Total Loans	$	75,843	$	75,359	$	74,549	$	73,919	$	74,622		$	484		0.6	%	$	1,221		1.6	%
End of Period Loan Portfolio Balances by Percentage									Quarter Ended
									12/31/2013			9/30/2013			6/30/2013		3/31/2013			12/31/2012
Commercial and industrial									39.4		%	39.4		%	38.6	%	37.3		%	36.1	%
Commercial real estate mortgage—owner-occupied									12.8		%	12.6		%	13.0	%	13.3		%	13.6	%
Commercial real estate construction—owner-occupied									0.4		%	0.5		%	0.5	%	0.4		%	0.4	%
Total commercial									52.6		%	52.5		%	52.1	%	51.0		%	50.1	%
Commercial investor real estate mortgage									7.1		%	7.4		%	7.7	%	8.6		%	9.2	%
Commercial investor real estate construction									1.9		%	1.7		%	1.6	%	1.3		%	1.2	%
Total investor real estate									9.0		%	9.1		%	9.3	%	9.9		%	10.4	%
Residential first mortgage									16.3		%	16.9		%	17.1	%	17.4		%	17.5	%
Home equity—first lien									8.0		%	7.8		%	7.6	%	7.6		%	7.6	%
Home equity—second lien									7.1		%	7.2		%	7.6	%	8.0		%	8.4	%
Indirect									4.1		%	3.8		%	3.6	%	3.4		%	3.2	%
Consumer credit card									1.3		%	1.2		%	1.2	%	1.2		%	1.2	%
Other consumer									1.6		%	1.5		%	1.5	%	1.5		%	1.6	%
Total consumer									38.4		%	38.4		%	38.6	%	39.1		%	39.5	%
Total Loans									100.0		%	100.0		%	100.0	%	100.0		%	100.0	%

________

NM - Not Meaningful

(1) Regions believes excluding the impact of the residential first mortgage loans transferred to held for sale during the fourth quarter of 2013 provides a more meaningful calculation of loan growth rates and presents them on the same basis as that applied by management.

8

Regions Financial Corporation and Subsidiaries                                

Financial Supplement to Fourth Quarter 2013 Earnings Release

Deposits

	Quarter Ended
													12/31/2013					12/31/2013
($ amounts in millions)	12/31/2013		9/30/2013		6/30/2013		3/31/2013			12/31/2012			vs. 9/30/2013					vs. 12/31/2012
Customer Deposits
Interest-free deposits	$	30,083	$	30,308	$	29,464	$	29,971		$	29,963		$	(225	)	(0.7	)%	$	120		0.4	%
Interest-bearing checking	20,789		19,583		19,937		20,004			21,096			1,206			6.2	%	(307		)	(1.5	)%
Savings	6,050		6,038		6,117		6,159			5,760			12			0.2	%	290			5.0	%
Money market—domestic	25,635		26,085		25,946		25,411			24,901			(450		)	(1.7	)%	734			2.9	%
Money market—foreign	220		241		193		332			311			(21		)	(8.7	)%	(91		)	(29.3	)%
Low-cost deposits	82,777		82,255		81,657		81,877			82,031			522			0.6	%	746			0.9	%
Time deposits	9,608		10,066		10,797		12,256			13,443			(458		)	(4.5	)%	(3,835		)	(28.5	)%
Total customer deposits	92,385		92,321		92,454		94,133			95,474			64			0.1	%	(3,089		)	(3.2	)%
Corporate Treasury Deposits
Time deposits	68		—		—		—			—			68			NM		68			NM
Total Deposits	$	92,453	$	92,321	$	92,454	$	94,133		$	95,474		$	132		0.1	%	$	(3,021	)	(3.2	)%
	Average Balances
($ amounts in millions)	4Q13		3Q13		2Q13		1Q13			4Q12			4Q13 vs. 3Q13					4Q13 vs. 4Q12
Customer Deposits
Interest-free deposits	$	30,218	$	29,724	$	29,454	$	29,114		$	30,290		$	494		1.7	%	$	(72	)	(0.2	)%
Interest-bearing checking	19,815		19,613		19,636		20,440			19,694			202			1.0	%	121			0.6	%
Savings	6,049		6,076		6,148		5,929			5,689			(27		)	(0.4	)%	360			6.3	%
Money market—domestic	25,834		26,026		25,722		25,161			24,577			(192		)	(0.7	)%	1,257			5.1	%
Money market—foreign	247		224		230		316			335			23			10.3	%	(88		)	(26.3	)%
Low-cost deposits	82,163		81,663		81,190		80,960			80,585			500			0.6	%	1,578			2.0	%
Time deposits	9,843		10,417		11,423		12,904			14,218			(574		)	(5.5	)%	(4,375		)	(30.8	)%
Total customer deposits	92,006		92,080		92,613		93,864			94,803			(74		)	(0.1	)%	(2,797		)	(3.0	)%
Corporate Treasury Deposits
Time deposits	45		—		—		—			2			45			NM		43			NM
Total Deposits	$	92,051	$	92,080	$	92,613	$	93,864		$	94,805		$	(29	)	NM		$	(2,754	)	(2.9	)%
									Quarter Ended
End of Period Deposits by Percentage										12/31/2013			9/30/2013			6/30/2013		3/31/2013			12/31/2012
Customer Deposits
Interest-free deposits										32.5		%	32.8		%	31.9	%	31.8		%	31.4	%
Interest-bearing checking										22.5		%	21.2		%	21.6	%	21.3		%	22.1	%
Savings										6.6		%	6.5		%	6.6	%	6.5		%	6.0	%
Money market—domestic										27.7		%	28.3		%	28.1	%	27.0		%	26.1	%
Money market—foreign										0.2		%	0.3		%	0.2	%	0.4		%	0.3	%
Low-cost deposits										89.5		%	89.1		%	88.4	%	87.0		%	85.9	%
Time deposits										10.4		%	10.9		%	11.6	%	13.0		%	14.1	%
Total customer deposits										99.9		%	100.0		%	100.0	%	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

9

Regions Financial Corporation and Subsidiaries                                

Financial Supplement to Fourth Quarter 2013 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)	12/31/2013			9/30/2013			6/30/2013			3/31/2013			12/31/2012			4Q13 vs. 3Q13					4Q13 vs. 4Q12
Net income from continuing operations available to common shareholders (GAAP)	$	233		$	285		$	260		$	325		$	273		$	(52	)	(18.2	)%	$	(40	)	(14.7	)%
Preferred dividends (GAAP)	8			8			8			8			4			—			NM		4			NM
Income tax expense (GAAP)	92			124			122			114			138			(32		)	(25.8	)%	(46		)	(33.3	)%
Income from continuing operations before income taxes (GAAP)	333			417			390			447			415			(84		)	(20.1	)%	(82		)	(19.8	)%
Provision for loan losses (GAAP)	79			18			31			10			37			61			338.9	%	42			113.5	%
Pre-tax pre-provision income from continuing operations (non-GAAP)	412			435			421			457			452			(23		)	(5.3	)%	(40		)	(8.8	)%
Other adjustments:
Securities gains, net	—			(3		)	(8		)	(15		)	(12		)	3			NM		12			NM
Gain on sale of other assets(1)	—			(24		)	—			—			—			24			NM		—			NM
Leveraged lease termination gains, net(2)	(39		)	—			—			—			—			(39		)	NM		(39		)	NM
Loss on early extinguishment of debt	—			5			56			—			11			(5		)	NM		(11		)	NM
REIT investment early termination costs	—			—			—			—			42			—			NM		(42		)	NM
Branch consolidation and property and equipment charges	5			—			—			—			—			5			NM		5			NM
Regulatory charge	58			—			—			—			—			58			NM		58			NM
Total other adjustments	24			(22		)	48			(15		)	41			46			(209.1	)%	(17		)	(41.5	)%
Adjusted pre-tax pre-provision income from continuing operations (non-GAAP)	$	436		$	413		$	469		$	442		$	493		$	23		5.6	%	$	(57	)	(11.6	)%

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 is $6 million for the quarter ended December 31, 2013.

10

Regions Financial Corporation and Subsidiaries                                

Financial Supplement to Fourth Quarter 2013 Earnings Release

Non-Interest Income

	Quarter Ended
($ amounts in millions)	12/31/2013		9/30/2013			6/30/2013			3/31/2013			12/31/2012			4Q13 vs. 3Q13					4Q13 vs. 4Q12
Service charges on deposit accounts	$	248	$	251		$	237		$	242		$	254		$	(3	)	(1.2	)%	$	(6	)	(2.4	)%
Investment management and trust fee income	48		50			49			49			48			(2		)	(4.0	)%	—			NM
Mortgage income	43		52			69			72			90			(9		)	(17.3	)%	(47		)	(52.2	)%
Leveraged lease termination gains, net	39		—			—			—			—			39			NM		39			NM
Capital markets fee income and other	29		18			20			20			24			11			61.1	%	5			20.8	%
Insurance commissions and fees	28		27			29			30			27			1			3.7	%	1			3.7	%
Bank-owned life insurance	20		18			22			22			20			2			11.1	%	—			NM
Credit card/bank card income	17		21			19			18			21			(4		)	(19.0	)%	(4		)	(19.0	)%
Commercial credit fee income	16		16			17			16			16			—			NM		—			NM
Investment services fee income	8		10			9			7			7			(2		)	(20.0	)%	1			14.3	%
Net revenue (loss) from affordable housing	1		(18		)	(15		)	(17		)	(5		)	19			(105.6	)%	6			(120.0	)%
Securities gains, net	—		3			8			15			12			(3		)	NM		(12		)	NM
Gain on sale of other assets(1)	—		24			—			—			—			(24		)	NM		—			NM
Other	29		23			33			27			22			6			26.1	%	7			31.8	%
Total non-interest income from continuing operations	$	526	$	495		$	497		$	501		$	536		$	31		6.3	%	$	(10	)	(1.9	)%

Mortgage Income

	Quarter Ended
($ amounts in millions)	12/31/2013			9/30/2013			6/30/2013			3/31/2013			12/31/2012			4Q13 vs. 3Q13					4Q13 vs. 4Q12
Production and sales	$	25		$	37		$	54		$	59		$	72		$	(12	)	(32.4	)%	$	(47	)	(65.3	)%
Loan servicing	22			22			23			19			20			—			NM		2			10.0	%
MSR hedge ineffectiveness:
MSRs fair value increase (decrease) (2)	5			(8		)	24			1			(1		)	13			(162.5	)%	6			NM
MSRs hedge gain (loss)	(9		)	1			(32		)	(7		)	(1		)	(10		)	NM		(8		)	NM
MSR hedge ineffectiveness	(4		)	(7		)	(8		)	(6		)	(2		)	3			(42.9	)%	(2		)	100.0	%
Total mortgage income	$	43		$	52		$	69		$	72		$	90		$	(9	)	(17.3	)%	$	(47	)	(52.2	)%
Mortgage production	$	1,238		$	1,606		$	1,921		$	1,819		$	2,124		$	(368	)	(22.9	)%	$	(886	)	(41.7	)%

Wealth Management Income

	Quarter Ended
($ amounts in millions)	12/31/2013		9/30/2013		6/30/2013		3/31/2013		12/31/2012		4Q13 vs. 3Q13					4Q13 vs. 4Q12
Investment services fee income	$	8	$	10	$	9	$	7	$	7	$	(2	)	(20.0	)%	$	1	14.3	%
Investment management and trust fee income	48		50		49		49		48		(2		)	(4.0	)%	—		NM
Insurance commissions and fees	28		27		29		30		27		1			3.7	%	1		3.7	%
Gain on sale of other assets(1)	—		24		—		—		—		(24		)	NM		—		NM
Total wealth management income (3)	$	84	$	111	$	87	$	86	$	82	$	(27	)	(24.3	)%	$	2	2.4	%

 _________

NM - Not Meaningful

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

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

(3) 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.

Selected Non-Interest Income Variance Analysis

• During the fourth quarter of 2013, the termination of certain leveraged leases resulted in a $39 million gain, which was largely offset by a related $33 million increase in tax expense. The resulting benefit to net income was $6 million.

• Net revenue related to investments in affordable housing benefited in the fourth quarter primarily from the sale of multiple investments resulting in a $17 million gain, net of impairment costs.

11

Regions Financial Corporation and Subsidiaries                                

Financial Supplement to Fourth Quarter 2013 Earnings Release

Non-Interest Expense

	Quarter Ended
($ amounts in millions)	12/31/2013		9/30/2013		6/30/2013			3/31/2013		12/31/2012		4Q13 vs. 3Q13					4Q13 vs. 4Q12
Salaries and employee benefits	$	464	$	455	$	452		$	447	$	438	$	9		2.0	%	$	26		5.9	%
Net occupancy expense	91		92		92			90		97		(1		)	(1.1	)%	(6		)	(6.2	)%
Furniture and equipment expense	71		71		69			69		65		—			NM		6			9.2	%
Regulatory charge	58		—		—			—		—		58			NM		58			NM
Professional and legal expenses	46		34		21			31		15		12			35.3	%	31			206.7	%
Outside services	31		27		26			22		23		4			14.8	%	8			34.8	%
Marketing	25		26		24			23		23		(1		)	(3.8	)%	2			8.7	%
Deposit administrative fee	20		35		37			33		34		(15		)	(42.9	)%	(14		)	(41.2	)%
Credit/checkcard expenses	11		11		10			9		10		—			NM		1			10.0	%
Amortization of core deposit intangible	7		7		7			7		20		—			NM		(13		)	(65.0	)%
Branch consolidation and property and equipment charges	5		—		—			—		—		5			NM		5			NM
Provision (credit) for unfunded credit losses	4		1		(15		)	5		7		3			300.0	%	(3		)	(42.9	)%
Loss on early extinguishment of debt	—		5		56			—		11		(5		)	NM		(11		)	NM
REIT investment early termination costs	—		—		—			—		42		—			NM		(42		)	NM
Other	113		120		105			106		117		(7		)	(5.8	)%	(4		)	(3.4	)%
Total non-interest expense from continuing operations	$	946	$	884	$	884		$	842	$	902	$	62		7.0	%	$	44		4.9	%

_________

NM - Not Meaningful

Selected Non-Interest Expense Variance Analysis

• Salaries and employee benefits includes the impact of a net increase of 187 in headcount during the fourth quarter of 2013.

• Regions recorded a non-tax deductible regulatory charge of $58 million during the fourth quarter of 2013 related to previously disclosed inquiries from government authorities concerning matters from 2009. Regions is in discussions with banking supervisors to resolve their inquiries on these matters.

• Professional and legal expenses increased in the fourth quarter of 2013 primarily due to increased legal matters and related fees, as well as increased consulting charges attributable to regulatory and compliance projects.

• Deposit administrative fees benefited in the fourth quarter of 2013 from improvement in asset quality and overall business performance as well as refunds of previously incurred fees.

12

Regions Financial Corporation and Subsidiaries                                

Financial Supplement to Fourth Quarter 2013 Earnings Release

Credit Quality

	As of and for Quarter Ended
($ amounts in millions)	12/31/2013			9/30/2013			6/30/2013			3/31/2013			12/31/2012
Components:
Allowance for loan losses (ALL)	$	1,341		$	1,540		$	1,636		$	1,749		$	1,919
Reserve for unfunded credit commitments	78			74			73			88			83
Allowance for credit losses (ACL)	$	1,419		$	1,614		$	1,709		$	1,837		$	2,002
Provision for loan losses	$	79		$	18		$	31		$	10		$	37
Provision (credit) for unfunded credit losses	4			1			(15		)	5			7
Net loans charged-off:
Commercial and industrial	36			17			30			58			17
Commercial real estate mortgage—owner-occupied	27			20			28			25			44
Commercial real estate construction—owner-occupied	(1		)	—			—			(1		)	1
Total commercial	62			37			58			82			62
Commercial investor real estate mortgage	(2		)	6			16			14			21
Commercial investor real estate construction	(1		)	(1		)	(2		)	—			1
Total investor real estate	(3		)	5			14			14			22
Residential first mortgage (3)	164			13			18			22			26
Home equity—first lien	8			10			7			10			12
Home equity—second lien	18			22			22			27			31
Indirect	6			5			4			6			5
Consumer credit card	8			6			11			9			8
Other consumer	15			16			10			10			14
Total consumer (3)	219			72			72			84			96
Total (3)	$	278		$	114		$	144		$	180		$	180
Net loan charge-offs as a % of average loans, annualized:
Commercial and industrial	0.48		%	0.22		%	0.43		%	0.87		%	0.27		%
Commercial real estate mortgage—owner-occupied	1.13		%	0.81		%	1.17		%	1.01		%	1.72		%
Commercial real estate construction—owner-occupied	(0.10		)%	(0.03		)%	(0.83		)%	(1.31		)%	1.28		%
Total commercial	0.63		%	0.37		%	0.61		%	0.89		%	0.68		%
Commercial investor real estate mortgage	(0.13		)%	0.39		%	1.02		%	0.88		%	1.15		%
Commercial investor real estate construction	(0.44		)%	(0.18		)%	(0.54		)%	0.01		%	0.63		%
Total investor real estate	(0.20		)%	0.28		%	0.79		%	0.77		%	1.09		%
Residential first mortgage (3)	5.10		%	0.41		%	0.56		%	0.68		%	0.76		%
Home equity—first lien	0.51		%	0.66		%	0.47		%	0.72		%	0.91		%
Home equity—second lien	1.35		%	1.56		%	1.53		%	1.82		%	1.96		%
Indirect	0.78		%	0.76		%	0.56		%	1.03		%	0.86		%
Consumer credit card	3.65		%	3.06		%	4.95		%	4.20		%	3.32		%
Other consumer	5.04		%	5.24		%	3.66		%	3.44		%	4.51		%
Total consumer (3)	2.98		%	0.99		%	0.99		%	1.17		%	1.28		%
Total (3)	1.46		%	0.60		%	0.77		%	0.99		%	0.96		%
Non-accrual loans, excluding loans held for sale	$	1,082		$	1,354		$	1,506		$	1,586		$	1,681
Non-performing loans held for sale	82			43			53			66			89
Non-accrual loans, including loans held for sale	1,164			1,397			1,559			1,652			1,770
Foreclosed properties	136			147			136			136			149
Non-performing assets (NPAs)	$	1,300		$	1,544		$	1,695		$	1,788		$	1,919
Loans past due > 90 days (1)	$	256		$	270		$	319		$	344		$	363
Accruing restructured loans not included in categories above (2)	$	1,676		$	2,529		$	2,591		$	2,717		$	2,789
Accruing restructured loans held for sale not included in categories above (2)	$	545		$	19		$	19		$	—		$	—
Credit Ratios:
ACL/Loans, net	1.90		%	2.13		%	2.28		%	2.48		%	2.71		%
ALL/Loans, net	1.80		%	2.03		%	2.18		%	2.37		%	2.59		%
Allowance for loan losses to non-performing loans, excluding loans held for sale	1.24x			1.14x			1.09x			1.10x			1.14x
Non-accrual loans, excluding loans held for sale/Loans, net	1.45		%	1.78		%	2.01		%	2.15		%	2.27		%
NPAs (ex. 90+ past due)/Loans, foreclosed properties and non-performing loans held for sale	1.74		%	2.03		%	2.25		%	2.41		%	2.59		%
NPAs (inc. 90+ past due)/Loans, foreclosed properties and non-performing loans held for sale (1)	2.08		%	2.38		%	2.68		%	2.88		%	3.07		%

(1) Excludes guaranteed residential first mortgages that are 90+ days past due and still accruing. Refer to the footnotes on page 17 for amounts related to these loans.

(2) See page 18 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 14 for a reconciliation of these GAAP to non-GAAP net charge-off ratios.

13

Regions Financial Corporation and Subsidiaries                                

Financial Supplement to Fourth Quarter 2013 Earnings Release

Credit Quality (Continued)

Allowance for Credit Losses

	Year Ended December 31
($ amounts in millions)	2013			2012
Balance at beginning of year	$	2,002		$	2,823
Net loans charged off	(716		)	(1,039		)
Provision for loan losses	138			213
Provision (credit) for unfunded credit losses	(5		)	5
Balance at end of year	$	1,419		$	2,002

Adjusted Net Charge-Offs Ratio (non-GAAP)

Select calculations for annualized net charge-offs as a percentage of average loans 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 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)		12/31/2013			9/30/2013			6/30/2013			3/31/2013			12/31/2012
Residential first mortgage net charge-offs (GAAP)	A	$	164		$	13		$	18		$	22		$	26
Less: Net charge-offs associated with transfer to loans held for sale		151			—			—			—			—
Adjusted residential first mortgage net charge-offs (non-GAAP)	B	$	13		$	13		$	18		$	22		$	26
Total consumer net charge-offs (GAAP)	C	$	219		$	72		$	72		$	84		$	96
Less: Net charge-offs associated with transfer to loans held for sale		151			—			—			—			—
Adjusted total consumer net charge-offs (non-GAAP)	D	$	68		$	72		$	72		$	84		$	96
Total net charge-offs (GAAP)	E	$	278		$	114		$	144		$	180		$	180
Less: Net charge-offs associated with transfer to loans held for sale		151			—			—			—			—
Adjusted net charge-offs (non-GAAP)	F	$	127		$	114		$	144		$	180		$	180
Average residential first mortgage loans (GAAP)	G	$	12,752		$	12,835		$	12,823		$	12,900		$	13,072
Add: Average balances of residential first mortgage loans transferred to loans held for sale		74			—			—			—			—
Adjusted average residential first mortgage loans (non-GAAP)	H	$	12,826		$	12,835		$	12,823		$	12,900		$	13,072
Average total consumer loans (GAAP)	I	$	29,147		$	29,031		$	28,892		$	29,020		$	29,368
Add: Average balances of residential first mortgage loans transferred to loans held for sale		74			—			—			—			—
Adjusted average total consumer loans (non-GAAP)	J	$	29,221		$	29,031		$	28,892		$	29,020		$	29,368
Total average loans (GAAP)	K	$	75,843		$	75,359		$	74,549		$	73,919		$	74,622
Add: Average balances of residential first mortgage loans transferred to loans held for sale		74			—			—			—			—
Adjusted total average loans (non-GAAP)	L	$	75,917		$	75,359		$	74,549		$	73,919		$	74,622
Residential first mortgage net charge-off percentage (GAAP)*	A/G	5.10		%	0.41		%	0.56		%	0.68		%	0.76		%
Adjusted residential first mortgage net charge-off percentage (non-GAAP)*	B/H	0.41		%	0.41		%	0.56		%	0.68		%	0.76		%
Total consumer net charge-off percentage (GAAP)*	C/I	2.98		%	0.99		%	0.99		%	1.17		%	1.28		%
Adjusted total consumer net charge-off percentage (non-GAAP)*	D/J	0.93		%	0.99		%	0.99		%	1.17		%	1.28		%
Total net charge-off percentage (GAAP)*	E/K	1.46		%	0.60		%	0.77		%	0.99		%	0.96		%
Adjusted total net charge-off percentage (non-GAAP)*	F/L	0.67		%	0.60		%	0.77		%	0.99		%	0.96		%

________

* Annualized

14

Regions Financial Corporation and Subsidiaries                                

Financial Supplement to Fourth Quarter 2013 Earnings Release

Gross and Net NPL Migration

	Quarter Ended
($ amounts in millions)	12/31/2013			9/30/2013			6/30/2013			3/31/2013			12/31/2012
Beginning Non-Performing Loans (1)	$	1,354		$	1,506		$	1,586		$	1,681		$	1,884
Additions (2):
Commercial	134			172			283			166			220
Investor Real Estate	61			56			62			116			148
Consumer	(20		)	(29		)	(17		)	(5		)	(18		)
Total Gross NPL Additions	175			199			328			277			350
Resolutions (3)	(273		)	(243		)	(255		)	(203		)	(340		)
Charge-Offs (4)	(90		)	(65		)	(95		)	(120		)	(122		)
Net Additions (Reductions)	(188		)	(109		)	(22		)	(46		)	(112		)
Non-Accrual Loan Sales	(10		)	(5		)	(7		)	(5		)	(20		)
Transfers to HFS	(68		)	(27		)	(38		)	(31		)	(51		)
Transfers to OREO	(6		)	(11		)	(13		)	(13		)	(20		)
Ending Non-Performing Loans (1)	$	1,082		$	1,354		$	1,506		$	1,586		$	1,681

(1) Does not include Loans Held for Sale.

(2) All net activity within the consumer portfolio other than sales and transfers to held for sale is included as a single net number within the additions line, due to the relative immateriality of consumer non-accrual loans.

(3) Includes payments and returned to accruals.

(4) Includes charge-offs on loans on non-accrual status and charge-offs taken upon sale and transfer of non-accrual loans to held for sale.

Foreclosed Properties

	Quarter Ended
($ amounts in millions)	12/31/2013			9/30/2013			6/30/2013			3/31/2013			12/31/2012
Beginning Foreclosed Properties	$	147		$	136		$	136		$	149		$	197
Transfers in	40			64			65			60			50
Sales	(42		)	(43		)	(55		)	(59		)	(86		)
Writedowns / Other Activity	(9		)	(10		)	(10		)	(14		)	(12		)
Ending Foreclosed Properties	$	136		$	147		$	136		$	136		$	149

Non-Performing Loans Held for Sale

	Quarter Ended
($ amounts in millions)	12/31/2013			9/30/2013			6/30/2013			3/31/2013			12/31/2012
Beginning Non-Performing Loans Held for Sale	$	43		$	53		$	66		$	89		$	134
Transfers in	68			27			38			31			51
Sales	(21		)	(26		)	(34		)	(36		)	(84		)
Writedowns	(1		)	—			—			(1		)	—
Loans Moved from HFS / Other Activity	(7		)	(8		)	(14		)	(11		)	(10		)
Transfers to OREO	—			(3		)	(3		)	(6		)	(2		)
Ending Non-Performing Loans Held for Sale	$	82		$	43		$	53		$	66		$	89

Composition of Non-Performing Loans Held for Sale

Timing of Transfer to HFS	Percent
4Q13	83.3	%
3Q13	5.2	%
2Q13	9.2	%
1Q13	0.1	%
2012	1.0	%
Pre-2012	1.2	%
Total	100.0	%

15

Regions Financial Corporation and Subsidiaries                                

Financial Supplement to Fourth Quarter 2013 Earnings Release

Non-Accrual Loans (excludes loans held for sale)

	Quarter Ended
($ amounts in millions)	12/31/2013				9/30/2013				6/30/2013				3/31/2013				12/31/2012
Commercial and industrial	$	257	0.87	%	$	383	1.28	%	$	408	1.41	%	$	355	1.29	%	$	409	1.53	%
Commercial real estate mortgage—owner-occupied	303		3.19	%	364		3.81	%	398		4.08	%	420		4.28	%	439		4.35	%
Commercial real estate construction—owner-occupied	17		5.33	%	12		3.25	%	15		4.38	%	12		3.70	%	14		4.57	%
Total Commercial	577		1.47	%	759		1.91	%	821		2.10	%	787		2.08	%	862		2.33	%
Commercial investor real estate mortgage	238		4.47	%	276		4.92	%	352		6.07	%	451		7.12	%	457		6.74	%
Commercial investor real estate construction	10		0.70	%	31		2.34	%	16		1.30	%	13		1.32	%	20		2.21	%
Total Investor Real Estate	248		3.67	%	307		4.43	%	368		5.25	%	464		6.34	%	477		6.17	%
Residential first mortgage	146		1.21	%	167		1.30	%	186		1.44	%	201		1.56	%	214		1.65	%
Home equity	111		0.98	%	121		1.06	%	130		1.14	%	133		1.15	%	128		1.08	%
Direct	—		—	%	—		—	%	—		0.06	%	—		0.06	%	—		—	%
Indirect	—		—	%	—		—	%	1		0.03	%	1		0.03	%	—		—	%
Consumer credit card	—		—	%	—		—	%	—		—	%	—		—	%	—		—	%
Other consumer	—		—	%	—		—	%	—		—	%	—		—	%	—		—	%
Total Consumer	257		0.90	%	288		0.99	%	317		1.09	%	335		1.16	%	342		1.17	%
Total Non-Accrual Loans	$	1,082	1.45	%	$	1,354	1.78	%	$	1,506	2.01	%	$	1,586	2.15	%	$	1,681	2.27	%

Criticized and Classified Loans—Commercial and Investor Real Estate

	Quarter Ended
											12/31/2013					12/31/2013
($ amounts in millions)	12/31/2013		9/30/2013		6/30/2013		3/31/2013		12/31/2012		vs. 9/30/2013					vs. 12/31/2012
Special Mention	$	927	$	1,035	$	1,142	$	1,136	$	1,336	$	(108	)	(10.4	)%	$	(409	)	(30.6	)%
Accruing Classified Loans	1,263		1,411		1,587		1,713		1,817		(148		)	(10.5	)%	(554		)	(30.5	)%
Non-Accruing Classified Loans	825		1,066		1,189		1,251		1,339		(241		)	(22.6	)%	(514		)	(38.4	)%
Total	$	3,015	$	3,512	$	3,918	$	4,100	$	4,492	$	(497	)	(14.2	)%	$	(1,477	)	(32.9	)%

Residential Lending Net Charge-off Analysis

	Quarter Ended
	12/31/2013															9/30/2013
	First Liens									Junior Liens			Total			First Liens									Junior Liens			Total
($ amounts in millions)	Residential (1) Mortgage			Home Equity			Total			Home Equity						Residential Mortgage			Home Equity			Total			Home Equity
Florida
Net Charge-off %*	0.41		%	0.68		%	0.48		%	2.06		%	0.88		%	0.67		%	1.15		%	0.80		%	2.56		%	1.25		%
$ Losses	$	4.7		$	3.2		$	7.9		$	11.2		$	19.1		$	7.9		$	5.3		$	13.2		$	14.3		$	27.5
Balance	$	4,428.6		$	1,849.2		$	6,277.8		$	2,132.6		$	8,410.4		$	4,707.9		$	1,841.8		$	6,549.7		$	2,193.8		$	8,743.5
Original LTV	73.2		%	64.4		%				75.5		%				73.0		%	64.7		%				75.5		%
All Other States
Net Charge-off %*	0.41		%	0.43		%	0.42		%	0.88		%	0.51		%	0.26		%	0.44		%	0.32		%	0.89		%	0.44		%
$ Losses	$	8.4		$	4.5		$	12.9		$	7.0		$	19.9		$	5.3		$	4.4		$	9.7		$	7.4		$	17.1
Balance	$	7,734.5		$	4,148.3		$	11,882.8		$	3,163.7		$	15,046.5		$	8,148.2		$	4,052.3		$	12,200.5		$	3,261.3		$	15,461.8
Original LTV	74.6		%	64.1		%				79.0		%				74.6		%	64.5		%				79.0		%
Totals
Net Charge-off %*	0.41		%	0.51		%	0.44		%	1.35		%	0.64		%	0.41		%	0.66		%	0.49		%	1.56		%	0.73		%
$ Losses	$	13.1		$	7.7		$	20.8		$	18.2		$	39.0		$	13.2		$	9.7		$	22.9		$	21.7		$	44.6
Balance	$	12,163.1		$	5,997.5		$	18,160.6		$	5,296.3		$	23,456.9		$	12,856.1		$	5,894.1		$	18,750.2		$	5,455.1		$	24,205.3
Original LTV	74.1		%	64.2		%				77.6		%				74.0		%	64.5		%				77.6		%

* Annualized

(1) Excludes $151 million in residential first mortgage net charge-offs on loans transferred to loans held for sale during the fourth quarter of 2013. See page 14 for a reconciliation of

these GAAP to non-GAAP net charge-off ratios.

Note: Home Equity origination quality continues to be solid with an average FICO of 774 and an average LTV of 60%. Property value declines continue to drive losses.

16

Regions Financial Corporation and Subsidiaries                                

Financial Supplement to Fourth Quarter 2013 Earnings Release

Early and Late Stage Delinquencies

Accruing 30-89 Days Past Due Loans	Quarter Ended
($ amounts in millions)	12/31/2013				9/30/2013				6/30/2013				3/31/2013				12/31/2012
Commercial and industrial	$	43	0.15	%	$	31	0.10	%	$	36	0.12	%	$	54	0.20	%	$	50	0.19	%
Commercial real estate mortgage—owner-occupied	56		0.59	%	56		0.59	%	52		0.54	%	49		0.50	%	77		0.76	%
Commercial real estate construction—owner-occupied	—		0.06	%	1		0.21	%	1		0.25	%	2		0.62	%	—		0.10	%
Total Commercial	99		0.25	%	88		0.22	%	89		0.23	%	105		0.28	%	127		0.34	%
Commercial investor real estate mortgage	35		0.66	%	118		2.11	%	60		1.04	%	72		1.13	%	80		1.18	%
Commercial investor real estate construction	5		0.32	%	4		0.27	%	3		0.21	%	7		0.73	%	2		0.17	%
Total Investor Real Estate	40		0.59	%	122		1.76	%	63		0.90	%	79		1.08	%	82		1.06	%
Residential first mortgage—non-guaranteed (1)	187		1.58	%	176		1.41	%	183		1.47	%	207		1.65	%	219		1.73	%
Home equity	146		1.30	%	131		1.15	%	133		1.16	%	127		1.10	%	153		1.30	%
Direct	9		1.09	%	8		1.03	%	9		1.16	%	9		1.12	%	13		1.52	%
Indirect	50		1.62	%	39		1.35	%	38		1.39	%	31		1.26	%	40		1.74	%
Consumer credit card	13		1.38	%	12		1.37	%	10		1.18	%	9		1.11	%	14		1.56	%
Other consumer	10		2.89	%	12		3.38	%	12		3.53	%	9		2.59	%	11		2.95	%
Total Consumer (1)	415		1.47	%	378		1.31	%	385		1.35	%	392		1.37	%	450		1.56	%
Total Accruing 30-89 Days Past Due Loans (1)	$	554	0.75	%	$	588	0.78	%	$	537	0.72	%	$	576	0.78	%	$	659	0.89	%
Accruing 90+ Days Past Due Loans	Quarter Ended
($ amounts in millions)	12/31/2013				9/30/2013				6/30/2013				3/31/2013				12/31/2012
Commercial and industrial	$	6	0.02	%	$	6	0.02	%	$	8	0.03	%	$	8	0.03	%	$	19	0.07	%
Commercial real estate mortgage—owner-occupied	6		0.06	%	7		0.07	%	16		0.16	%	9		0.09	%	6		0.06	%
Commercial real estate construction—owner-occupied	—		—	%	—		0.12	%	—		—	%	—		0.02	%	—		0.03	%
Total Commercial	12		0.03	%	13		0.03	%	24		0.06	%	17		0.05	%	25		0.07	%
Commercial investor real estate mortgage	6		0.10	%	15		0.27	%	24		0.41	%	25		0.39	%	11		0.16	%
Commercial investor real estate construction	—		—	%	1		0.07	%	—		0.03	%	—		0.02	%	—		0.05	%
Total Investor Real Estate	6		0.08	%	16		0.23	%	24		0.34	%	25		0.34	%	11		0.15	%
Residential first mortgage—non-guaranteed (2)	142		1.21	%	149		1.19	%	178		1.42	%	203		1.62	%	220		1.73	%
Home equity	75		0.66	%	72		0.64	%	75		0.66	%	79		0.68	%	87		0.74	%
Direct	1		0.14	%	2		0.16	%	1		0.15	%	1		0.15	%	1		0.16	%
Indirect	5		0.17	%	4		0.15	%	3		0.13	%	3		0.13	%	3		0.12	%
Consumer credit card	12		1.28	%	12		1.27	%	11		1.27	%	14		1.60	%	14		1.56	%
Other consumer	3		0.64	%	2		0.47	%	3		0.63	%	2		0.73	%	2		0.51	%
Total Consumer (2)	238		0.84	%	241		0.83	%	271		0.95	%	302		1.06	%	327		1.13	%
Total Accruing 90+ Days Past Due Loans (2)	$	256	0.34	%	$	270	0.36	%	$	319	0.43	%	$	344	0.47	%	$	363	0.49	%

(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 $17 million at 12/31/13, $18 million at 9/30/13, $20 million at 6/30/13, $17 million at 3/31/13, and $16 million at 12/31/12.

(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 $106 million at 12/31/13, $97 million at 9/30/13, $96 million at 6/30/13, $98 million at 3/31/13, and $87 million at 12/31/12.

17

Regions Financial Corporation and Subsidiaries                                

Financial Supplement to Fourth Quarter 2013 Earnings Release

Troubled Debt Restructurings

	Quarter Ended
($ amounts in millions)	12/31/2013		9/30/2013		6/30/2013		3/31/2013		12/31/2012
Current:
Commercial and industrial	$	441	$	428	$	426	$	486	$	462
Investor real estate	498		599		721		763		844
Residential first mortgage	212		894		898		891		867
Home equity	332		337		343		354		356
Consumer credit card	2		2		1		1		—
Other consumer	25		28		31		34		37
Total Current	1,510		2,288		2,420		2,529		2,566
Accruing 30-89 DPD:
Commercial and industrial	27		17		18		25		38
Investor real estate	13		88		26		27		29
Residential first mortgage	95		104		91		105		117
Home equity	29		29		33		28		35
Other consumer	2		3		3		3		4
Total Accruing 30-89 DPD	166		241		171		188		223
Total Accruing and <90 DPD	1,676		2,529		2,591		2,717		2,789
Non-accrual or 90+ DPD:
Commercial and industrial	156		283		302		289		291
Investor real estate	157		174		208		278		251
Residential first mortgage	156		161		177		191		201
Home equity	30		31		31		34		37
Total Non-accrual or 90+DPD	499		649		718		792		780
Total TDRs - Loans	$	2,175	$	3,178	$	3,309	$	3,509	$	3,569
TDRs - Held For Sale (1)	579		31		39		13		25
Total TDRs	$	2,754	$	3,209	$	3,348	$	3,522	$	3,594

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

18

Regions Financial Corporation and Subsidiaries                                

Financial Supplement to Fourth Quarter 2013 Earnings Release

Reconciliation to GAAP Financial Measures—Continuing Operations

Efficiency Ratios and Fee Income Ratios

The tables below present computations of the efficiency ratio (non-GAAP), which is a measure of productivity, generally calculated as non-interest expense divided by total revenue. The tables also show 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)		12/31/2013			9/30/2013			6/30/2013			3/31/2013			12/31/2012			4Q13 vs. 3Q13					4Q13 vs. 4Q12
Non-interest expense (GAAP)		$	946		$	884		$	884		$	842		$	902		$	62		7.0	%	$	44		4.9	%
Adjustments:
REIT investment early termination costs		—			—			—			—			(42		)	—			NM		42			NM
Loss on early extinguishment of debt		—			(5		)	(56		)	—			(11		)	5			NM		11			NM
Regulatory charge		(58		)	—			—			—			—			(58		)	NM		(58		)	NM
Branch and other equipment charges		(5		)	—			—			—			—			(5		)	NM		(5		)	NM
Adjusted non-interest expense (non-GAAP)	A	$	883		$	879		$	828		$	842		$	849		$	4		0.5	%	$	34		4.0	%
Net interest income (GAAP)		$	832		$	824		$	808		$	798		$	818		$	8		1.0	%	$	14		1.7	%
Taxable-equivalent adjustment		14			14			13			13			13			—			NM		1			7.7	%
Net interest income, taxable-equivalent basis		846			838			821			811			831			8			1.0	%	15			1.8	%
Non-interest income (GAAP)		526			495			497			501			536			31			6.3	%	(10		)	(1.9	)%
Adjustments:
Leveraged lease termination gains, net		(39		)	—			—			—			—			(39		)	NM		(39		)	NM
Securities gains, net		—			(3		)	(8		)	(15		)	(12		)	3			NM		12			NM
Gain on sale of other assets(1)		—			(24		)	—			—			—			24			NM		—			NM
Adjusted non-interest income (non-GAAP)	B	487			468			489			486			524			19			4.1	%	(37		)	(7.1	)%
Adjusted total revenue (non-GAAP)	C	$	1,333		$	1,306		$	1,310		$	1,297		$	1,355		$	27		2.1	%	$	(22	)	(1.6	)%
Adjusted efficiency ratio (non-GAAP)	A/C	66.3		%	67.3		%	63.1		%	64.9		%	62.7		%
Adjusted fee income ratio (non-GAAP)	B/C	36.5		%	35.9		%	37.3		%	37.5		%	38.7		%

		Year Ended December 31
($ amounts in millions)		2013			2012			2013 vs. 2012
Non-interest expense (GAAP)		$	3,556		$	3,526		$	30		0.9	%
Adjustments:
REIT investment early terminations costs		—			(42		)	42			NM
Loss on early extinguishment of debt		(61		)	(11		)	(50		)	454.5	%
Regulatory charge		(58		)	—			(58		)	NM
Securities impairment, net		—			(2		)	2			NM
Branch and other equipment charges		(5		)	—			(5		)	NM
Adjusted non-interest expense (non-GAAP)	D	$	3,432		$	3,471		$	(39	)	(1.1	)%
Net interest income (GAAP)		$	3,262		$	3,300		$	(38	)	(1.2	)%
Taxable-equivalent adjustment		54			50			4			8.0	%
Net interest income, taxable-equivalent basis		3,316			3,350			(34		)	(1.0	)%
Non-interest income (GAAP)		2,019			2,100			(81		)	(3.9	)%
Adjustments:
Leveraged lease termination gains, net		(39		)	(14		)	(25		)	178.6	%
Securities gains, net		(26		)	(48		)	22			(45.8	)%
Gain on sale of other assets (1)		(24		)	—			(24		)	NM
Adjusted non-interest income (non-GAAP)	E	1,930			2,038			(108		)	(5.3	)%
Adjusted total revenue (non-GAAP)	F	$	5,246		$	5,388		$	(142	)	(2.6	)%
Adjusted efficiency ratio (non-GAAP)	D/F	65.4		%	64.4		%
Adjusted fee income ratio (non-GAAP)	E/F	36.8		%	37.8		%

_________

NM - Not Meaningful

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

19

Regions Financial Corporation and Subsidiaries                                

Financial Supplement to Fourth Quarter 2013 Earnings Release

Reconciliation to GAAP Financial Measures

Return Ratios, Tangible Common Ratios, Capital

The following tables provide calculations of “return on average assets from continuing operations”, “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.

		As of and for Quarter Ended
($ amounts in millions, except per share data)		12/31/2013			9/30/2013			6/30/2013			3/31/2013			12/31/2012
Net income available to common shareholders (GAAP)	G	$	219		$	285		$	259		$	327		$	261
REIT investment early termination costs, net of tax(1)		—			—			—			—			38
Adjusted income available to common shareholders (non-GAAP)	H	$	219		$	285		$	259		$	327		$	299
Net income available to common shareholders (GAAP)	G	$	219		$	285		$	259		$	327		$	261
Income (loss) from discontinued operations, net of tax (GAAP)		(14		)	—			(1		)	2			(12		)
Income from continuing operations available to common shareholders (GAAP)	I	233			285			260			325			273
REIT investment early termination costs, net of tax from continuing operations (1)		—			—			—			—			38
Adjusted income from continuing operations available to common shareholders (non-GAAP)	J	$	233		$	285		$	260		$	325		$	311
RETURN ON AVERAGE ASSETS FROM CONTINUING OPERATIONS
Average assets (GAAP)—continuing operations	K	$	116,963		$	116,917		$	118,248		$	119,123		$	121,036
Return on average assets from continuing operations (GAAP)(2)	I/K	0.79		%	0.97		%	0.88		%	1.11		%	0.90		%
Adjusted return on average assets from continuing operations (non-GAAP)(2)	J/K	0.79		%	0.97		%	0.88		%	1.11		%	1.02		%
RETURN ON AVERAGE TANGIBLE COMMON STOCKHOLDERS’ EQUITY
Average stockholders’ equity (GAAP)		$	15,504		$	15,317		$	15,644		$	15,552		$	15,265
Less:
Average intangible assets (GAAP)		5,118			5,129			5,141			5,154			5,170
Average deferred tax liability related to intangibles (GAAP)		(189		)	(188		)	(188		)	(190		)	(193		)
Average preferred equity (GAAP)		452			460			468			476			321
Average tangible common stockholders’ equity (non-GAAP)	L	$	10,123		$	9,916		$	10,223		$	10,112		$	9,967
Return on average tangible common stockholders’ equity (non-GAAP)(2)	G/L	8.58		%	11.41		%	10.15		%	13.12		%	10.42		%
Adjusted return on average tangible common stockholders’ equity (non-GAAP)(2)	H/L	8.58		%	11.41		%	10.15		%	13.12		%	11.93		%

20

Regions Financial Corporation and Subsidiaries                                

Financial Supplement to Fourth Quarter 2013 Earnings Release

Return Ratios, Tangible Common Ratios, Capital (Continued)

		As of and for Quarter Ended
($ amounts in millions, except per share data)		12/31/2013			9/30/2013			6/30/2013			3/31/2013			12/31/2012
TANGIBLE COMMON RATIOS—CONSOLIDATED
Stockholders’ equity (GAAP)		$	15,768		$	15,489		$	15,329		$	15,740		$	15,499
Less:
Preferred equity (GAAP)		450			458			466			474			482
Intangible assets (GAAP)		5,111			5,123			5,134			5,147			5,161
Deferred tax liability related to intangibles (GAAP)		(188		)	(189		)	(187		)	(189		)	(191		)
Tangible common stockholders’ equity (non-GAAP)	M	$	10,395		$	10,097		$	9,916		$	10,308		$	10,047
Total assets (GAAP)		$	117,396		$	116,864		$	118,707		$	119,718		$	121,347
Less:
Intangible assets (GAAP)		5,111			5,123			5,134			5,147			5,161
Deferred tax liability related to intangibles (GAAP)		(188		)	(189		)	(187		)	(189		)	(191		)
Tangible assets (non-GAAP)	N	$	112,473		$	111,930		$	113,760		$	114,760		$	116,377
Shares outstanding—end of quarter	O	1,378			1,378			1,395			1,413			1,413
Tangible common stockholders’ equity to tangible assets (non-GAAP)	M/N	9.24		%	9.02		%	8.72		%	8.98		%	8.63		%
Tangible common book value per share (non-GAAP)	M/O	$	7.54		$	7.32		$	7.11		$	7.29		$	7.11
TIER 1 COMMON RISK-BASED RATIO(3) —CONSOLIDATED
Stockholders’ equity (GAAP)		$	15,768		$	15,489		$	15,329		$	15,740		$	15,499
Accumulated other comprehensive (income) loss		319			411			478			12			(65		)
Non-qualifying goodwill and intangibles		(4,798		)	(4,804		)	(4,812		)	(4,819		)	(4,826		)
Disallowed deferred tax assets		—			—			—			—			(35		)
Disallowed servicing assets		(31		)	(30		)	(30		)	(37		)	(33		)
Qualifying non-controlling interests		—			—			—			93			93
Qualifying trust preferred securities		—			—			3			501			501
Tier 1 capital (regulatory)		$	11,258		$	11,066		$	10,968		$	11,490		$	11,134
Qualifying non-controlling interests		—			—			—			(93		)	(93		)
Qualifying trust preferred securities		—			—			(3		)	(501		)	(501		)
Preferred stock		(450		)	(458		)	(466		)	(474		)	(482		)
Tier 1 common equity (non-GAAP)	P	$	10,808		$	10,608		$	10,499		$	10,422		$	10,058
Risk-weighted assets (regulatory)	Q	96,911			96,486			94,640			92,787			92,811
Tier 1 common risk-based ratio (non-GAAP)	P/Q	11.2		%	11.0		%	11.1		%	11.2		%	10.8		%

(1) In the fourth quarter of 2012, Regions entered into an agreement with a third party investor in Regions Asset Management Company, Inc., pursuant to which the investment was fully redeemed. This resulted in extinguishing a $203 million liability, including accrued, unpaid interest, as well as incurring early termination costs of approximately $42 million on a pre-tax basis ($38 million after tax).

(2) Annualized

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

21

Regions Financial Corporation and Subsidiaries                                

Financial Supplement to Fourth Quarter 2013 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)	12/31/2013			9/30/2013			6/30/2013			3/31/2013			12/31/2012
Non-interest income:
Gain on sale	$	—		$	—		$	—		$	—		$	3
Other	—			—			—			—			5
Total non-interest income	—			—			—			—			8
Non-interest expense:
Professional and legal fees	24			3			1			(5		)	27
Other	1			(2		)	1			1			—
Total non-interest expense	25			1			2			(4		)	27
Income (loss) from discontinued operations before income tax	(25		)	(1		)	(2		)	4			(19		)
Income tax expense (benefit)	(11		)	(1		)	(1		)	2			(7		)
Income (loss) from discontinued operations, net of tax	$	(14	)	$	—		$	(1	)	$	2		$	(12	)
Weighted-average shares outstanding—during quarter (1):
Basic	1,378			1,388			1,401			1,413			1,413
Diluted	1,378			1,388			1,401			1,423			1,413
Earnings (loss) per common share from discontinued operations:
Basic	$	(0.01	)	$	(0.00	)	$	(0.00	)	$	0.00		$	(0.01	)
Diluted	$	(0.01	)	$	(0.00	)	$	(0.00	)	$	0.00		$	(0.01	)

 _________

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

22

Regions Financial Corporation and Subsidiaries                                

Financial Supplement to Fourth Quarter 2013 Earnings Release

Forward-Looking Statements

This presentation may include forward-looking statements which reflect Regions’ current views with respect to future events and financial performance. The Private Securities Litigation Reform Act of 1995 (the “Act”) provides a “safe harbor” for forward-looking statements which are identified as such and are accompanied by the identification of important factors that could cause actual results to differ materially from the forward-looking statements. For these statements, we, together with our subsidiaries, unless the context implies otherwise, claim the protection afforded by the safe harbor in the Act. 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:

• The Dodd-Frank Wall Street Reform and Consumer Protection Act (the “Dodd-Frank Act”) became law in July 2010, and a number of legislative, regulatory and tax proposals remain pending. All of the foregoing may have significant effects on Regions and the financial services industry, the exact nature and extent of which cannot be determined at this time.

• Current developments in recent litigation against the Board of Governors of the Federal Reserve System could result in possible reductions in the maximum permissible interchange fee that an issuer may receive for electronic debit transactions and/or the possible expansion of providing merchants with the choice of multiple unaffiliated payment networks for each transaction, each of which could negatively impact the income Regions currently receives with respect to those transactions.

• Possible additional loan losses, impairment of goodwill and other intangibles, and adjustment of valuation allowances on deferred tax assets and the impact on earnings and capital.

• Possible changes in interest rates may increase funding costs and reduce earning asset yields, thus reducing margins. Increases in benchmark interest rates could also increase debt service requirements for customers whose terms include a variable interest rate, which may negatively impact the ability of borrowers to pay as contractually obligated.

• Possible adverse changes in general economic and business conditions in the United States in general and in the communities Regions serves in particular.

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

• Possible changes in trade, monetary and fiscal policies, laws and regulations and other activities of governments, agencies, and similar organizations, may have an adverse effect on business.

• Possible regulations issued by the Consumer Financial Protection Bureau or other regulators which might adversely impact Regions’ business model or products and services.

• Regions’ ability 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, is subject to the review of such proposed actions by the Federal Reserve as part of Regions’ comprehensive capital plan for the applicable period in connection with the regulators’ Comprehensive Capital Analysis and Review (CCAR) process and to the acceptance of such capital plan and non-objection to such capital actions by the Federal Reserve.

• Possible stresses in the financial and real estate markets, including possible deterioration in property values.

• Regions’ 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 Regions’ business.

• Regions’ ability to expand into new markets and to maintain profit margins in the face of competitive pressures.

• Regions’ ability to develop competitive new products and services in a timely manner and the acceptance of such products and services by Regions’ customers and potential customers.

• Cyber-security risks, including “denial of service,” “hacking” and “identity theft,” that could adversely affect our business and financial performance, or our reputation.

• Regions’ ability to keep pace with technological changes.

• Regions’ ability to effectively identify and manage credit risk, interest rate risk, market risk, operational risk, legal risk, liquidity risk, reputational risk, counterparty risk, international risk, regulatory risk, and compliance risk.

• Regions’ ability to ensure adequate capitalization which is impacted by inherent uncertainties in forecasting credit losses.

• The reputational damage, cost and other effects of material contingencies, including litigation contingencies, and negative publicity, fines, penalties, and other negative consequences from any adverse judicial, administrative or arbitral rulings or proceedings, regulatory violations and legal actions.

• The effects of increased competition from both banks and non-banks.

• The effects of geopolitical instability and risks such as terrorist attacks.

• Regions’ ability to identify and address data security breaches.

• Possible changes in consumer and business spending and saving habits could affect Regions’ ability to increase assets and to attract deposits.

• The effects of weather and natural disasters such as floods, droughts, wind, tornadoes and hurricanes, and the effects of man-made disasters.

• Possible downgrades in ratings issued by rating agencies.

• Possible changes in the speed of loan prepayments by Regions’ customers and loan origination or sales volumes.

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

• The effects of problems encountered by larger or similar financial institutions that adversely affect Regions or the banking industry generally.

• Regions’ ability to receive dividends from its subsidiaries.

23

Regions Financial Corporation and Subsidiaries                                

Financial Supplement to Fourth Quarter 2013 Earnings Release

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

• 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 Regions’ 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, 2012 and the “Forward-Looking Statements” section of Regions’ Quarterly Report on Form 10-Q for the quarters ended March 31, 2013, June 30, 2013 and September 30, 2013, as filed with the Securities and Exchange Commission.

The words “believe,” “expect,” “anticipate,” “project,” 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 contact is List Underwood at (205) 801-0265; Regions’ Media contact is Evelyn Mitchell at (205) 264-4551.

24

EX-99.3

1 Regions Financial 4th Quarter 2013 Earnings Conference Call January 21, 2014 Exhibit 99.3

2 We are pleased with the progress made in 2013 and look forward to building on that momentum in 2014 2013 – Focused on the fundamentals Noteworthy Accomplishments in 2013 • Net income available to common shareholders increased 10% • Expanded net interest margin 16 bps • Lowered deposit costs 10 bps to historic low • Achieved broad-based asset quality improvement • Raised common stock cash dividend • Improved debt and capital structure • Completed common stock share repurchase program • Grow loans • Grow relationships • Prudently manage expenses Successful Execution of Business Priorities Financial Highlights Net Income(1) $219 $1,090 Diluted EPS $0.16 $0.77 ($ in millions, except per share data) (1) Available to common shareholders

3 Notable items in the fourth quarter • Loans totaling approximately $686 million transferred to held-for-sale • Loans were primarily accruing first lien residential mortgages classified as Troubled Debt Restructurings (TDRs) • Net charge-offs increased $151 million and allowance for loan losses reduced by $76 million • Expected to result in lower deposit administrative fees, improved credit profile and further strengthened balance sheet Loans Transferred to HFS Notable Items Impact ($ in millions, except per share data) Pre-tax $ After-tax $ EPS Impact of Loans Transferred to Held-For-Sale (75) (46) Leveraged Lease Terminations 39 6 Branch Consolidations (5) (3) Regulatory Charge (58) (58) Tax Reduction, Primarily Valuation Allowance - 40 Total Impact to Continuing Operations (99) (61) ($0.04) Indemnification Legal Reserve Increase (25) (14) ($0.01) Total Impact to Net Income Available to Common Shareholders (124) (75) ($0.05)

4 Loan balances impacted by the transfer of loans to held-for-sale Total Loan Balances (1) (1) Ending balances (2) See GAAP to non-GAAP reconciliation in appendix • Total average loan balances up 1% - however, ending loans down 2% due to loans transferred to held-for-sale • Excluding the loans transferred, adjusted ending loans declined 1 percent (2) linked quarter • Commercial and industrial balances impacted by leveraged lease terminations, pay downs of loans (some of which were non-performing) and volatility in REIT lines in the normal course of business • Home equity portfolio steady linked quarter as pace of new production in home equity loan product offset deleveraging within home equity lines • Credit card balances increased 6% over third quarter as number of active card holders increased 4% • Expect 2014 loan growth to be in the 3% to 5% range ($ in millions) 44,793 45,061 46,044 46,736 45,968 29,202 28,875 28,946 29,156 28,641 $73,995 $73,936 $74,990 $75,892 $74,609 4Q12 1Q13 2Q13 3Q13 4Q13 Business Lending Consumer Lending

5 Total funding costs continued to improve • Average low-cost deposits increased $500 million linked quarter to 89% of average deposits • Deposit costs declined to a historically low level of 12 bps • Deposit costs declined 10 bps from the fourth quarter of the previous year • Total funding costs declined 16 bps from the same period in the prior year to 34 basis points - due to liability management actions in 2Q13 and lower deposit costs Deposit Balances (1) and Deposit Costs 80,585 80,960 81,190 81,663 82,163 14,220 12,904 11,423 10,417 9,888 $94,805 $93,864 $92,613 $92,080 $92,051 22 bps 18 bps 15 bps 13 bps 12 bps 4Q12 1Q13 2Q13 3Q13 4Q13 Low-Cost Deposits Time Deposits + Other Deposit Costs ($ in millions) (1) Average balances Funding Costs 50 bps 45 bps 40 bps 35 bps 34 bps 4Q12 1Q13 2Q13 3Q13 4Q13

6 Net interest income increased and net interest margin expanded • Net interest income increased 1% from prior quarter and net interest margin increased 2 bps • Increases in long-term interest rates further reduce prepayments on securities and premium amortization • Premium amortization totaled $45 million and contributed 5 bps lift to margin • Asset sensitive balance sheet reacts favorably to increases in both short- term and long-term interest rates • Expect margin to remain relatively stable if rates remain at present level Net Interest Income and Net Interest Margin $831 $811 $821 $838 $846 3.10% 3.13% 3.16% 3.24% 3.26% 4Q12 1Q13 2Q13 3Q13 4Q13 Net Interest Income (FTE) Net Interest Margin ($ in millions)

7 Non-interest revenue impacted by company initiatives • Non-interest revenue increased 6% QoQ • Included $17 million net gain related to sale of certain low-income housing investments and $39 million gain related to leveraged lease terminations • As expected, mortgage production slowed by 23% and mortgage income declined 17% • Continue to optimize mortgage operations model to account for slowdown in production • Made significant investments in Wealth Management group with addition of over 100 Financial Consultant positions • In 2013, Now Banking households increased 26%, active debit card users increased 2% and pre-paid card users increased 50% Non-Interest Revenue 254 242 237 251 248 90 72 69 52 43 21 18 19 21 17 82 86 87 111 84 89 83 85 60 134 $536 $501 $497 $495 $526 4Q12 1Q13 2Q13 3Q13 4Q13 Other Wealth Management Income Credit Card / Bank Card Income Mortgage Income Service Charges Income ($ in millions)

8 Prudent expense management • 4Q expenses included $58 million regulatory charge • Branch consolidation expense of $5 million for 30 branches • Deposit administrative fees lower by $15 million - due to improvement in asset quality and overall business performance and refunds of previously incurred fees • Salaries and benefits increased from previous quarter, reflecting an increase in headcount offset by a decline in mortgage incentives • Adjusted efficiency ratio improved 100 bps (1) • Expect full year 2014 expenses to be lower than full year adjusted 2013 expenses Non-Interest Expenses $902 $842 $884 $884 883 63 $946 4Q12 1Q13 2Q13 3Q13 4Q13 Regulatory Charge and Branch Consolidation Expense ($ in millions) (1) See GAAP to non-GAAP reconciliation in appendix

9 3,156 2,964 2,776 2,477 2,088 1,336 1,136 1,142 1,035 927 $4,492 $4,100 $3,918 $3,512 $3,015 4Q12 1Q13 2Q13 3Q13 4Q13 Classified Loans Special Mention NPLs and Coverage Ratio (2) Broad-based improvement in asset quality Net Charge-Offs and Ratio Criticized and Classified Loans (3) ($ in millions) $1,681 $1,586 $1,506 $1,354 $1,082 114% 110% 109% 114% 124% 80% 90% 100% 110% 120% 130% 140% 150% 160% 170% 4Q12 1Q13 2Q13 3Q13 4Q13 Troubled Debt Restructurings ($ in millions) 127 151 $180 $180 $144 $114 $278 0.96% 0.99% 0.77% 0.60% 0.67% 4Q12 1Q13 2Q13 3Q13 4Q13 Net Charge-Offs related to loan transfer Adjusted Net Charge-Offs Adjusted Net Charge-Offs ratio (4) (1) Year-over-year change (2) Excludes loans held for sale (3) Includes commercial and investor real estate loans only (4) See GAAP to non-GAAP reconciliation in appendix (5) The All Other category includes TDRs classified as Held-For-Sale for the following periods : $25M in 4Q12, $13M in 1Q13, $39M in 2Q13 and $31M in 3Q13 29% Decline (1) 36% Decline in Total NPLs (1) 33% Decline (1) ($ in millions) 1,185 1,187 1,166 1,159 463 2,409 2,335 2,182 2,050 1,712 579 $3,594 $3,522 $3,348 $3,209 $2,754 4Q12 1Q13 2Q13 3Q13 4Q13 Residential First Mortgage All Other TDRs Held-For-Sale (4) 23% Decline (1) ($ in millions) (5) (5)

10 Strong capital position • Basel III Tier 1 Common ratio(1)(2) estimated to be approximately 10.5%, which is well above minimum threshold • Liquidity at both the bank and holding company remains solid with a loan to deposit ratio of 81% • Regions remains well-positioned to be fully compliant with the Liquidity Coverage Ratio Tier 1 capital ratio (1) 12.0% 12.4% 11.6% 11.5% 11.6% 4Q12 1Q13 2Q13 3Q13 4Q13 (1) Current quarter ratios are estimated (2) See GAAP to non-GAAP reconciliation in appendix (3) Based on ending balances Tier 1 common ratio (1)(2) 10.8% 11.2% 11.1% 11.0% 11.2% 4Q12 1Q13 2Q13 3Q13 4Q13 Loan to deposit ratio (3) 78% 79% 81% 82% 81% 4Q12 1Q13 2Q13 3Q13 4Q13

11 Appendix

12 Non-GAAP reconciliation: Ending loans NM – Not Meaningful (1) Regions believes excluding the impact of the residential first mortgage loans transferred to held for sale during the fourth quarter of 2013 provides a more meaningful calculation of loan growth rates and presents them on the same basis as that applied by management. Quarter Ended 12/31/2013 12/31/2013 ($ amounts in millions) 12/31/2013 9/30/2013 6/30/2013 3/31/2013 12/31/2012 vs. 9/30/2013 vs. 12/31/2012 Commercial and industrial $ 29,413 $ 29,863 $ 28,954 $ 27,602 $ 26,674 $ (450 ) (1.5 )% $ 2,739 10.3 % Commercial real estate mortgage—owner-occupied 9,495 9,566 9,731 9,812 10,095 (71 ) (0.7 )% (600 ) (5.9 )% Commercial real estate construction—owner-occupied 310 377 345 325 302 (67 ) (17.8 )% 8 2.6 % Total commercial 39,218 39,806 39,030 37,739 37,071 (588 ) (1.5 )% 2,147 5.8 % Commercial investor real estate mortgage 5,318 5,613 5,806 6,338 6,808 (295 ) (5.3 )% (1,490 ) (21.9 )% Commercial investor real estate construction 1,432 1,317 1,208 984 914 115 8.7 % 518 56.7 % Total investor real estate 6,750 6,930 7,014 7,322 7,722 (180 ) (2.6 )% (972 ) (12.6 )% Residential first mortgage 12,163 12,856 12,839 12,875 12,963 (693 ) (5.4 )% (800 ) (6.2 )% Home equity—first lien 5,998 5,894 5,726 5,625 5,622 104 1.8 % 376 6.7 % Home equity—second lien 5,296 5,455 5,684 5,921 6,178 (159 ) (2.9 )% (882 ) (14.3 )% Indirect 3,075 2,889 2,693 2,483 2,336 186 6.4 % 739 31.6 % Consumer credit card 948 896 866 851 906 52 5.8 % 42 4.6 % Other consumer 1,161 1,166 1,138 1,120 1,197 (5 ) (0.4 )% (36 ) (3.0 )% Total consumer 28,641 29,156 28,946 28,875 29,202 (515 ) (1.8 )% (561 ) (1.9 )% Total Loans (GAAP) $ 74,609 $ 75,892 $ 74,990 $ 73,936 $ 73,995 $ (1,283 ) (1.7 )% $ 614 0.8 % Residential first mortgage loans transferred to held for sale 686 — — — — 686 NM 686 NM Adjusted Total Loans (non-GAAP) (1) $ 75,295 $ 75,892 $ 74,990 $ 73,936 $ 73,995 $ (597 ) (0.8 )% $ 1,300 1.8 %

13 Quarter Ended ($ amounts in millions) 12/31/2013 9/30/2013 6/30/2013 3/31/2013 12/31/2012 4Q13 vs. 3Q13 4Q13 vs. 4Q12 Non-interest expense (GAAP) $ 946 $ 884 $ 884 $ 842 $ 902 $ 62 7.0 % $ 44 4.9 % Adjustments: REIT investment early termination costs — — — — (42 ) — NM 42 NM Loss on early extinguishment of debt — (5 ) (56 ) — (11 ) 5 NM 11 NM Regulatory charge (58 ) — — — — (58 ) NM (58 ) NM Branch and other equipment charges (5 ) — — — — (5 ) NM (5 ) NM Adjusted non-interest expense (non-GAAP) A $ 883 $ 879 $ 828 $ 842 $ 849 $ 4 0.5 % $ 34 4.0 % Net interest income (GAAP) $ 832 $ 824 $ 808 $ 798 $ 818 $ 8 1.0 % $ 14 1.7 % Taxable-equivalent adjustment 14 14 13 13 13 — NM 1 7.7 % Net interest income, taxable-equivalent basis 846 838 821 811 831 8 1.0 % 15 1.8 % Non-interest income (GAAP) 526 495 497 501 536 31 6.3 % (10 ) (1.9 )% Adjustments: Leveraged lease termination gains, net (39 ) — — — — (39 ) NM (39 ) NM Securities gains, net — (3 ) (8 ) (15 ) (12 ) 3 NM 12 NM Gain on sale of other assets(1) — (24 ) — — — 24 NM — NM Adjusted non-interest income (non-GAAP) B 487 468 489 486 524 19 4.1 % (37 ) (7.1 )% Adjusted total revenue (non-GAAP) C $ 1,333 $ 1,306 $ 1,310 $ 1,297 $ 1,355 $ 27 2.1 % $ (22 ) (1.6 )% Adjusted efficiency ratio (non-GAAP) A/C 66.3 % 67.3 % 63.1 % 64.9 % 62.7 % Non-GAAP reconciliation: Non-interest expense and efficiency ratio NM – Not Meaningful (1) Gain on sale of a non-core portion of a Wealth Management business. 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. Management uses this ratio to monitor performance and believes this measure provides 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). 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 efficiency ratio. 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. .

14 Non-GAAP reconciliation: Net charge-off ratio As of and for Quarter Ended ($ amounts in millions) 12/31/2013 9/30/2013 6/30/2013 3/31/2013 12/31/2012 Residential first mortgage net charge-offs (GAAP) A $ 164 $ 13 $ 18 $ 22 $ 26 Less: Net charge-offs associated with transfer to loans held for sale 151 — — — — Adjusted residential first mortgage net charge-offs (non-GAAP) B $ 13 $ 13 $ 18 $ 22 $ 26 Total consumer net charge-offs (GAAP) C $ 219 $ 72 $ 72 $ 84 $ 96 Less: Net charge-offs associated with transfer to loans held for sale 151 — — — — Adjusted total consumer net charge-offs (non-GAAP) D $ 68 $ 72 $ 72 $ 84 $ 96 Total net charge-offs (GAAP) E $ 278 $ 114 $ 144 $ 180 $ 180 Less: Net charge-offs associated with transfer to loans held for sale 151 — — — — Adjusted net charge-offs (non-GAAP) F $ 127 $ 114 $ 144 $ 180 $ 180 Average residential first mortgage loans (GAAP) G $ 12,752 $ 12,835 $ 12,823 $ 12,900 $ 13,072 Add: Average balances of residential first mortgage loans transferred to loans held for sale 74 — — — — Adjusted average residential first mortgage loans (non-GAAP) H $ 12,826 $ 12,835 $ 12,823 $ 12,900 $ 13,072 Average total consumer loans (GAAP) I $ 29,147 $ 29,031 $ 28,892 $ 29,020 $ 29,368 Add: Average balances of residential first mortgage loans transferred to loans held for sale 74 — — — — Adjusted average total consumer loans (non-GAAP) J $ 29,221 $ 29,031 $ 28,892 $ 29,020 $ 29,368 Total average loans (GAAP) K $ 75,843 $ 75,359 $ 74,549 $ 73,919 $ 74,622 Add: Average balances of residential first mortgage loans transferred to loans held for sale 74 — — — — Adjusted total average loans (non-GAAP) L $ 75,917 $ 75,359 $ 74,549 $ 73,919 $ 74,622 Residential first mortgage net charge-off percentage (GAAP)* A/G 5.10 % 0.41 % 0.56 % 0.68 % 0.76 % Adjusted residential first mortgage net charge-off percentage (non-GAAP)* B/H 0.41 % 0.41 % 0.56 % 0.68 % 0.76 % Total consumer net charge-off percentage (GAAP)* C/I 2.98 % 0.99 % 0.99 % 1.17 % 1.28 % Adjusted total consumer net charge-off percentage (non-GAAP)* D/J 0.93 % 0.99 % 0.99 % 1.17 % 1.28 % Total net charge-off percentage (GAAP)* E/K 1.46 % 0.60 % 0.77 % 0.99 % 0.96 % Adjusted total net charge-off percentage (non-GAAP)* F/L 0.67 % 0.60 % 0.77 % 0.99 % 0.96 % * Annualized Select calculations for annualized net charge-offs as a percentage of average loans 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 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. .

15 Non-GAAP reconciliation: Tier 1 common The following table provides calculations of Tier 1 capital (regulatory) and "Tier 1 common equity" (non-GAAP). 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 Tier 1 common equity measure. Because Tier 1 common equity is not formally defined by GAAP or prescribed in any amount by federal banking regulations (under Basel I), this measure is currently considered to be a non-GAAP financial measure and other entities may calculate it differently than Regions' disclosed calculations. Since analysts and banking regulators may assess Regions' capital adequacy using Tier 1 common equity, management believes that it is useful to provide investors the ability to assess Regions' capital adequacy on this same basis. 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. As of and for Quarter Ended ($ amounts in millions, except per share data) 12/31/2013 9/30/2013 6/30/2013 3/31/2013 12/31/2012 TIER 1 COMMON RISK-BASED RATIO (1) —CONSOLIDATED Stockholders’ equity (GAAP) $ 15,768 $ 15,489 $ 15,329 $ 15,740 $ 15,499 Accumulated other comprehensive (income) loss 319 411 478 12 (65 ) Non-qualifying goodwill and intangibles (4,798 ) (4,804 ) (4,812 ) (4,819 ) (4,826 ) Disallowed deferred tax assets — — — — (35 ) Disallowed servicing assets (31 ) (30 ) (30 ) (37 ) (33 ) Qualifying non-controlling interests — — — 93 93 Qualifying trust preferred securities — — 3 501 501 Tier 1 capital (regulatory) $ 11,258 $ 11,066 $ 10,968 $ 11,490 $ 11,134 Qualifying non-controlling interests — — — (93 ) (93 ) Qualifying trust preferred securities — — (3 ) (501 ) (501 ) Preferred stock (450 ) (458 ) (466 ) (474 ) (482 ) Tier 1 common equity (non-GAAP) A $ 10,808 $ 10,608 $ 10,499 $ 10,422 $ 10,058 Risk-weighted assets (regulatory) B 96,911 96,486 94,640 92,787 92,811 Tier 1 common risk-based ratio (non-GAAP) A/B 11.2 % 11.0 % 11.1 % 11.2 % 10.8 % (1) Current quarter amount and the resulting ratio are estimated.

16 Non-GAAP reconciliation: Basel III The following table provides calculations of Tier 1 common, based on Regions’ current understanding of the Final Basel III requirements, released in July 2013. Regions currently calculates its risk-based capital ratios under guidelines adopted by the Federal Reserve based on the 1988 Capital Accord (“Basel I”) of the Basel Committee on Banking Supervision (the “Basel Committee”). In December 2010, 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. (1) Under Basel III, in addition to goodwill and other identified intangibles regulatory capital must be reduced by purchased credit card relationship intangible assets. The majority of these assets are allowed in Basel I capital. (2) 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. Estimate based on July 2013 Final Rules ($ amounts in millions) 12/31/2013 Stockholders' equity (GAAP) 15,768 $ Non-qualifying goodwill and intangibles (1) (4,922) Final Rules Adjustments Adjustments, including all components of Accumulated Other Comprehensive Income, disallowed deferred tax assets, threshold deductions and other adjustments 130 Non-Common Tier 1 (450) Basel III Tier 1 Common (non-GAAP) 10,526 $ Basel I risk-weighted assets 96,911 Basel III risk-weighted assets (2) 99,929 Basel III Tier 1 Common Ratio 10.5%

17 Forward-looking statements This presentation may include forward-looking statements which reflect Regions’ current views with respect to future events and financial performance. The Private Securities Litigation Reform Act of 1995 (“the Act”) provides a “safe harbor” for forward-looking statements which are identified as such and are accompanied by the identification of important factors that could cause actual results to differ materially from the forward-looking statements. For these statements, we, together with our subsidiaries, unless the context implies otherwise, claim the protection afforded by the safe harbor in the Act. 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: >The Dodd-Frank Wall Street Reform and Consumer Protection Act (the “Dodd-Frank Act”) became law in July 2010, and a number of legislative, regulatory and tax proposals remain pending. Future and proposed rules may have significant effects on Regions and the financial services industry, the exact nature and extent of which cannot be determined at this time. >Current developments in recent litigation against the Board of Governors of the Federal Reserve System could result in possible reductions in the maximum permissible interchange fee that an issuer may receive for electronic debit transactions and/or the possible expansion of providing merchants with the choice of multiple unaffiliated payment networks for each transaction, each of which could negatively impact the income Regions currently receives with respect to those transactions. >Possible additional loan losses, impairment of goodwill and other intangibles, and adjustment of valuation allowances on deferred tax assets and the impact on earnings and capital. >Possible changes in interest rates may increase funding costs and reduce earning asset yields, thus reducing margins. Increases in benchmark interest rates could also increase debt service requirements for customers whose terms include a variable interest rate, which may negatively impact the ability of borrowers to pay as contractually obligated. >Possible adverse changes in general economic and business conditions in the United States in general and in the communities Regions serves in particular. >Possible changes in the creditworthiness of customers and the possible impairment of the collectability of loans. >Possible changes in trade, monetary and fiscal policies, laws and regulations and other activities of governments, agencies, and similar organizations, may have an adverse effect on business. >Possible regulations issued by the Consumer Financial Protection Bureau or other regulators which might adversely impact Regions’ business model or products and services. >Regions’ ability 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, is subject to the review of such proposed actions by the Federal Reserve as part of Regions’ comprehensive capital plan for the applicable period in connection with the regulators’ Comprehensive Capital Analysis and Review (CCAR) process and to the acceptance of such capital plan and non-objection to such capital actions by the Federal Reserve. >Possible stresses in the financial and real estate markets, including possible deterioration in property values. >Regions’ 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 Regions’ business. >Regions’ ability to expand into new markets and to maintain profit margins in the face of competitive pressures. >Regions’ ability to develop competitive new products and services in a timely manner and the acceptance of such products and services by Regions’ customers and potential customers. >Cyber-security risks, including “denial of service,” “hacking” and “identity theft,” that could adversely affect our business and financial performance, or our reputation. >Regions’ ability to keep pace with technological changes. >Regions’ ability to effectively identify and manage credit risk, interest rate risk, market risk, operational risk, legal risk, liquidity risk, reputational risk, counterparty risk, international risk, regulatory risk, and compliance risk. >Regions’ ability to ensure adequate capitalization which is impacted by inherent uncertainties in forecasting credit losses. >The reputational damage, cost and other effects of material contingencies, including litigation contingencies, and negative publicity, fines, penalties, and other negative consequences from any adverse judicial, administrative, or arbitral rulings or proceedings, regulatory violations and legal actions. >The effects of increased competition from both banks and non-banks. >The effects of geopolitical instability and risks such as terrorist attacks. >Regions' ability to identify and address data security breaches. >Possible changes in consumer and business spending and saving habits could affect Regions’ ability to increase assets and to attract deposits. >The effects of weather and natural disasters such as floods, droughts, wind, tornadoes and hurricanes, and the effects of man-made disasters. >Possible downgrades in ratings issued by rating agencies. >Possible changes in the speed of loan prepayments by Regions’ customers and loan origination or sales volumes. >Possible acceleration of prepayments on mortgage-backed securities due to low interest rates, and the related acceleration of premium amortization on those securities. >The effects of problems encountered by larger or similar financial institutions that adversely affect Regions or the banking industry generally. >Regions’ ability to receive dividends from its subsidiaries. >The effects of the failure of any component of Regions’ business infrastructure which is provided by a third party. >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 Regions’ 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, 2012 and the "Forward-Looking Statements" section of Regions' Quarterly Reports on Form 10-Q for the quarters ended March 31, June 30, and September 30, 2013, as filed with the Securities and Exchange Commission. The words "believe," "expect," "anticipate," "project," 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.

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