地区金融 2025年度报告

Dear Shareholders: Regionsdelivered anexceptionalyearin2025,marked bystrong revenuegrowth,disciplined credit risk management, and recordprofitability. Our results once again placedus at the top of our peer group, reflecting boththe strength of our strategy and the talent ofourteam.Achievingthis level ofperformanceamid continued uncertainty underscorestheeffectiveness of our focus on soundness,profitability,and growth. 2025RESULTS Regions ended 2025 delivering $7.5 billion intotal reported revenue and hit several recordsin each of our business segments. Our returnonaveragetangiblecommonequityratiowasthe highest in our peer group for the fifthconsecutive year. While average and endingloansheldrelativelystablecomparedto lastyear, our pipelines and commitments arestrengthening and excess corporate liquidityis beginning to normalize. Wemaintaineddisciplinedexpensemanagementthroughouttheyearandproducedpositiveoperatingleverage.Atthesametime,wereinforcedourcapitalposition,increasingcommonbookvalueper share by 15 percent. Our deposit strategy continued to be a keydifferentiatorfor us and is an important driverof ourfranchisevalue-aresult of ourrobustmarket presence,granular and loyal customerbase,best-in-class customerservice,andhavingthe lowest costprofiles among peers.These strengths were evident during fourthquarter, when ending balances grew byapproximately s800 million, driven by healthycustomeracquisition and retention. "Throughout the year, we continued to createvalueforourshareholdersand returned s2billionthrough a balanced approach of dividends andshare repurchases." EXTRAORDNARVREGIONS FOCUSEDEXECUTIONDRIVESPERFORMANCEACROSSTHEBANK Corporate Banking also finished the year deliveringimpressive results that support theteam's goal to delivergrowth and diversify revenue streams.Confirmingthatourapproach to combinetalented bankers with industryexpertise continues to be a competitive advantage for us,Corporate Banking produced revenue reaching $2.8 billion,including non-interest revenue totaling s955 million. Starting the year with well-defined priorities and a deepcommitment to creating shared value for the customersand businesses we'reprivilegedto serve, ourthreebusinesssegments finished the year in a position of strength. Our Consumer Bank delivered well-rounded performanceresultsby executing a strategythatprioritizes strongerrelationships,exceptionalcustomerexperiences,andenhancedgrowth.TheConsumerteam delivered revenueof $4 billion and pretax income of s1.2billion.Weoutperformed expectations by endingtheyear withs8o billion in deposits while maintaining industry-leadingdeposit costs.Ourpayments businesses also continuedtogenerate impressive momentum with record credit cardspend, top-ranking debit card portfolio performance,and double-digit increases in home equity and small-businessloanproduction. "We created shared value with our strategicfocus to advance core offerings that benefitour clients while also accelerating fee-basedincome." Notably,TreasuryManagementproducedits secondconsecutive record year with revenue up 6.2 percentyear-over-year, and Capital Markets posted its second-best year on record with s350 million in revenueexcludingvaluation adjustments.To accelerate clientgrowth and improve how we deliver products andservices,CorporateBanking expanded bankercoveragein key markets, enhanced our payments and cash-flowcapabilities, and continued embedding Al-enabled tools. REGIONSHONORED FOREXTRAORDINARYEXCELLENCEIN2025 Our WealthManagement team had its secondconsecutive recordyear for annualrevenue-one definedby growth,strongerclient relationships, Just as important as thefinancial performancewas thescale and depth of customer engagement. We opened560,000newcheckingaccounts,completed450milliontransactions, and now serve 4.5 million householdsacross ourfootprint.One of the mostimportantways ourbankers engage with customers is by having needs-basedconversations with them to ensure we're offering apersonalized plan that's designed to meet their uniqueneeds.Last year, bankers had more than 415,o00 of theseconversations and traveledto workplaces and schools toconduct22,ooo financial education presentations designedto help customers make better financial decisions. Ourfocus on helping people buildfinancial confidence and ourcommitmenttotransformingeverydaybankingexperiencesintosomethingextraordinarydroveourcustomerexperiencescores to reach new highs, with 85.8% of respondents givingperfect ratings through Gallup's KDS360 program. and meaningful advances in both technology and talent.The team finished the year with impressive results:income before tax rose 17 percent; total revenue grew1o percent;andclientassetsincreased8percent.Wecontinued building our capabilities by adding key hiresacross growth markets and delivered new services tosimplify cashmanagementworkflows,modernizetimberinventory processes, and streamline daily portfolio activity Giving our clients a quality experience is what