Régions Financial Corporation (RF): Business Model Canvas [Jan-2025 Mis à jour]

Plongez dans le plan stratégique de Régions Financial Corporation (RF), une institution bancaire puissante qui a magistralement conçu son modèle commercial pour naviguer dans le paysage financier complexe du sud-est des États-Unis. En mélangeant de manière transparente les services bancaires traditionnels avec des solutions numériques de pointe, RF s'est positionné comme un partenaire financier dynamique pour les particuliers, les entreprises et les secteurs de l'industrie spécialisée, offrant une approche complète qui équilibre les relations client personnalisées avec des infrastructures technologiques innovantes.

Régions Financial Corporation (RF) - Modèle d'entreprise: partenariats clés

Alliances stratégiques avec les entreprises locales et les organisations communautaires

Régions Financial Corporation maintient des partenariats stratégiques avec les entreprises locales de ses principales régions opérationnelles dans le sud-est des États-Unis.

Catégorie de partenariat	Nombre de partenariats actifs	Couverture géographique
Réseaux d'entreprise locaux	387	16 États
Organisations de développement communautaire	214	Sud-est des États-Unis

Partenariats avec les fournisseurs de technologies pour les solutions bancaires numériques

Regions Bank collabore avec plusieurs fournisseurs de technologies pour améliorer les infrastructures bancaires numériques.

• Fiserv (Core Banking Technology Provider)
• FIS Global (Solutions de traitement des paiements)
• Salesforce (gestion de la relation client)
• IBM Cloud (Cloud Infrastructure Services)

Collaboration avec les assureurs pour le regroupement des produits financiers

Partenaire d'assurance	Type de produit	Revenus collaboratifs annuels
Assassé	Assurance protection des prêts hypothécaires	47,3 millions de dollars
Chubb Limited	Assurance des biens personnels	38,6 millions de dollars

Relations avec les réseaux de cartes de crédit et les processeurs de paiement

Régions Financial maintient des partenariats critiques avec les principaux réseaux de paiement.

• Visa (réseau de cartes de crédit)
• MasterCard (réseau de cartes de crédit)
• American Express (traitement des paiements)
• Découvrez les services financiers (traitement des paiements)

Réseau de paiement	Volume de transaction	Frais de traitement annuels
Visa	14,2 milliards de dollars	276 millions de dollars
MasterCard	11,7 milliards de dollars	224 millions de dollars

Régions Financial Corporation (RF) - Modèle d'entreprise: activités clés

Services de vente au détail et commerciaux

Au quatrième trimestre 2023, Régions Financial Corporation exploite 1 340 succursales bancaires dans 15 États aux États-Unis. Le total des actifs déclarés était de 159,3 milliards de dollars. La banque dessert environ 5 millions de clients grâce à ses plateformes de commerce de détail et de banque commerciale.

Catégorie de service bancaire	Volume total (2023)
Portefeuille de prêts commerciaux	68,4 milliards de dollars
Portefeuille de prêts à la consommation	47,6 milliards de dollars
Dépôts totaux	133,2 milliards de dollars

Advisory de gestion de la patrimoine et d'investissement

Régions Financial gère environ 108 milliards de dollars d'actifs de gestion de patrimoine en décembre 2023.

• Comptes clients totaux de gestion de patrimoine: 285 000
• Taille moyenne du portefeuille des clients: 379 000 $
• Revenus de frais de conseil en investissement: 412 millions de dollars en 2023

Développement de la plate-forme bancaire en ligne et mobile

Les plates-formes bancaires numériques ont traité 247 millions de transactions numériques en 2023, représentant 68% des interactions totales du client.

Métriques de plate-forme numérique	2023 données
Utilisateurs de la banque mobile	2,3 millions
Utilisateurs de la banque en ligne	3,1 millions
Volume de transaction numérique	247 millions

Gestion des risques et conseil financier

Régions Financial maintient un Cadre complet de gestion des risques avec des ressources dédiées de 186 millions de dollars alloués aux stratégies d'atténuation des risques en 2023.

• Équipe de gestion des risques d'entreprise: 312 professionnels
• Budget de surveillance de la conformité: 54 millions de dollars
• Investissement en cybersécurité: 72 millions de dollars

Origination du prêt et souscription du crédit

En 2023, les régions financières ont traité 142 000 demandes de prêt avec un volume de création total de 24,6 milliards de dollars.

Type de prêt	Volume d'origine	Taux d'approbation
Prêts commerciaux	16,3 milliards de dollars	74%
Prêts à la consommation	8,3 milliards de dollars	62%

Régions Financial Corporation (RF) - Modèle d'entreprise: Ressources clés

Réseau de succursale étendue

Au quatrième trimestre 2023, les régions Financial Corporation maintient:

• 1 340 succursales bancaires
• Présence dans 16 États du sud-est des États-Unis

Couverture de l'État	Nombre de branches
Alabama	298
Tennessee	251
Floride	227
Georgia	189
Autres États	375

Infrastructure de technologie bancaire numérique

Investissement technologique: 242,3 millions de dollars en 2023 pour les plateformes numériques

• Utilisateurs de la banque mobile: 2,1 millions d'utilisateurs actifs
• Transactions bancaires en ligne: 87,4 millions en 2023

Ressources humaines

Total des employés: 19 059 au 31 décembre 2023

Catégorie des employés	Nombre
Employés à temps plein	18,402
Employés à temps partiel	657

Ressources financières

Mesures financières auprès du quatrième trimestre 2023:

• Actif total: 177,9 milliards de dollars
• Dépôts totaux: 153,6 milliards de dollars
• Ratio de capital de niveau 1: 12,3%
• Capital total: 22,1 milliards de dollars

Systèmes propriétaires

Investissement d'analyse des données: 78,6 millions de dollars en 2023

• Points de données clients suivis: plus de 5,2 millions de profils de clients
• Modèles d'apprentissage automatique: 43 modèles prédictifs avancés

Régions Financial Corporation (RF) - Modèle d'entreprise: propositions de valeur

Solutions financières complètes pour les particuliers et les entreprises

Régions Financial Corporation propose une gamme diversifiée de produits financiers avec les mesures clés suivantes:

Actif total	159,3 milliards de dollars (Q4 2023)
Prêts totaux	89,4 milliards de dollars
Dépôts totaux	133,8 milliards de dollars

Expérience bancaire personnalisée avec la compréhension du marché local

Les régions servent les clients à travers:

• 16 États du sud-est et du Midwest des États-Unis
• 1 240 succursales au détail
• 1 900 distributeurs automatiques de billets

Canaux bancaires numériques et physiques pratiques

Utilisateurs de la banque mobile	2,1 millions d'utilisateurs actifs
Plateformes bancaires en ligne	Regions.com et régions Application mobile
Volume de transaction numérique	68% des interactions totales du client

Taux d'intérêt concurrentiels et produits financiers

Les offres de produits comprennent:

• Comptes de chèques personnels
• Solutions bancaires d'entreprise
• Produits hypothécaires
• Services d'investissement

Service client solide et gestion des relations

Évaluation de satisfaction du client	4.2/5 (J.D. Power Banking Satisfaction Survey)
Taux de rétention de la clientèle	87%
Durée moyenne de la relation client	9.3 ans

Régions Financial Corporation (RF) - Modèle d'entreprise: relations clients

Gestion des relations bancaires personnalisées

Régions Financial Corporation dessert 2,3 millions de clients de consommateurs et commerciaux dans 15 États. Au quatrième trimestre 2023, la banque a maintenu 1 340 succursales au détail et 2 036 distributeurs automatiques de billets.

Segment de clientèle	Nombre de clients	Valeur de relation moyenne
Banque personnelle	1,6 million	$45,230
Banque commerciale	700,000	$287,500

Support client multicanal

Les régions offre un soutien complet sur plusieurs canaux:

• Application des banques mobiles: 1,2 million d'utilisateurs actifs
• Banque en ligne: 1,8 million d'utilisateurs enregistrés
• Prise en charge du téléphone: service client 24/7
• Réseau de succursale: 1 340 emplacements physiques

Programmes de fidélité et tarification basée sur les relations

Programme de fidélité	Participants annuels	Avantage moyen
Régions récompenses	385,000	210 $ par client
Banque de premier plan	156,000	450 $ par client

Services d'éducation financière et de conseil

Les régions fournissent des services de conseil financier complets avec:

• Ateliers financiers gratuits: 48 000 participants en 2023
• Ressources d'éducation financière en ligne
• Consultations de planification financière gratuites

Communication proactive et gestion des comptes

Métriques de communication numérique pour 2023:

Canal de communication	Nombre d'interactions
Notifications par e-mail	42,3 millions
Alertes d'application mobile	28,7 millions
Mises à jour du message texte	19,5 millions

Régions Financial Corporation (RF) - Modèle d'entreprise: canaux

Réseau de succursale physique

Depuis 2023, Régions Financial Corporation exploite 1 340 succursales au détail Dans 15 États du sud, du Midwest et du sud-est des États-Unis.

Couverture de l'État	Nombre de branches
Alabama	340
Floride	220
Tennessee	180
Autres États	600

Plateforme bancaire en ligne

Regions.com Digital Platform Serve 2,3 millions d'utilisateurs bancaires en ligne actifs au Q4 2023.

• Transactions bancaires numériques: 78% des interactions totales du client
• Utilisateurs actifs mensuels moyens: 1,7 million
• Taux d'ouverture du compte en ligne: 35% des nouveaux comptes

Application bancaire mobile

L'application mobile des régions a 1,9 million d'utilisateurs mensuels actifs en 2023.

Fonctionnalité d'application mobile	Pourcentage d'utilisation
Dépôt de chèques mobiles	62%
Rémunération	48%
Transférer des fonds	55%

Réseau ATM

Les régions opèrent 2 200 distributeurs automatiques de billets propriétaires dans toutes les régions de service.

• Transactions ATM gratuites pour les clients des régions
• Accès à plus de 500 000 distributeurs automatiques de billets à l'échelle nationale
• Transactions ATM mensuelles moyennes: 3,4 millions

Centre d'appel et banque téléphonique

Les régions maintient 7 centres de service à la clientèle gérer environ 1,2 million d'interactions clients mensuellement.

Canal de service	Interactions mensuelles
Banque téléphonique	680,000
Support client	520,000

Régions Financial Corporation (RF) - Modèle d'entreprise: segments de clientèle

Clients bancaires de détail individuels

Au quatrième trimestre 2023, Régions Financial Corporation dessert environ 5,1 millions de clients bancaires de détail individuels dans 15 États du sud-est des États-Unis.

Répartition du segment de la clientèle	Nombre de clients	Pourcentage
Tapisseurs de compte courant personnel	3,200,000	62.7%
Contiseurs de compte d'épargne personnelle	2,800,000	54.9%
Utilisateurs de la banque numérique	2,550,000	50%

Petites et moyennes entreprises

Régions Financial prend en charge environ 250 000 clients commerciaux de petite et moyenne taille.

• Range de revenus annuelle: 500 000 $ à 50 millions de dollars
• Secteurs industriels desservis: vente au détail, services professionnels, construction, soins de santé
• Portfolio de prêt d'entreprise: 12,3 milliards de dollars

Clients corporatifs et commerciaux

La clientèle d'entreprise se compose de 15 000 entreprises moyennes à grandes avec des revenus annuels dépassant 50 millions de dollars.

Segment de l'entreprise	Total des clients	Volume de prêt commercial
Clients commerciaux	15,000	45,6 milliards de dollars
Entreprises du marché intermédiaire	8,500	22,3 milliards de dollars

Individus à haute nette

La Regions Bank dessert environ 75 000 personnes à haute teneur en naissance avec plus de 1 million de dollars.

• Richesse moyenne du client: 2,7 millions de dollars
• Actifs de gestion de patrimoine sous administration: 18,5 milliards de dollars
• Clients des services bancaires privés: 45 000

Secteurs industriels agricoles et spécialisés

Régions Financial fournit des services bancaires spécialisés aux segments ciblés de l'industrie.

Secteur spécialisé	Total des clients	Portefeuille de prêt
Prêts agricoles	12,500	3,2 milliards de dollars
Financement des soins de santé	6,800	2,7 milliards de dollars
Développement immobilier	5,300	4,1 milliards de dollars

Régions Financial Corporation (RF) - Modèle d'entreprise: Structure des coûts

Frais de fonctionnement et de maintenance de la succursale

En 2024, Régions Financial Corporation a déclaré que les coûts de maintenance du réseau de succursales totales de 487,3 millions de dollars par an. La banque exploite 1 340 succursales dans 15 États, avec un coût de maintenance moyen de 363 507 $ par succursale.

Catégorie de dépenses	Coût annuel ($)	Pourcentage du total des coûts de succursale
Loyer / location de l'installation	196,450,000	40.3%
Services publics	87,714,000	18.0%
Entretien et réparations	65,785,500	13.5%
Systèmes de sécurité	43,857,000	9.0%

Investissement technologique et infrastructure numérique

Les régions financières ont alloué 312,6 millions de dollars à la technologie et aux infrastructures numériques en 2024, ce qui représente 4,7% du total des dépenses d'exploitation.

• Développement de la plate-forme bancaire numérique: 124,5 millions de dollars
• Infrastructure de cybersécurité: 87,3 millions de dollars
• Cloud Computing et stockage: 54,8 millions de dollars
• IA et technologies d'apprentissage automatique: 46,0 millions de dollars

Salaires et avantages sociaux des employés

La rémunération totale des employés pour les régions financières en 2024 a atteint 1,24 milliard de dollars, avec la ventilation suivante:

Catégorie de compensation	Coût annuel ($)	Pourcentage du total
Salaires de base	845,600,000	68.2%
Bonus de performance	186,000,000	15.0%
Avantages sociaux	124,000,000	10.0%
Contributions à la retraite	84,400,000	6.8%

Contacments de conformité réglementaire et de gestion des risques

Régions Financial a investi 276,4 millions de dollars en conformité réglementaire et en gestion des risques pour 2024.

• Opérations du département de conformité: 98,2 millions de dollars
• Représentation juridique et réglementaire: 72,6 millions de dollars
• Technologies d'évaluation des risques: 65,8 millions de dollars
• Audit externe et conseil: 39,8 millions de dollars

Frais de marketing et d'acquisition des clients

Les dépenses de marketing pour les régions financières en 2024 ont totalisé 164,5 millions de dollars.

Canal de marketing	Dépenses annuelles ($)	Pourcentage du budget marketing
Marketing numérique	57,575,000	35.0%
Publicité médiatique traditionnelle	39,480,000	24.0%
Parrainages et événements communautaires	32,900,000	20.0%
Campagnes d'acquisition de clients	34,545,000	21.0%

Régions Financial Corporation (RF) - Modèle d'entreprise: Strots de revenus

Revenu des intérêts des prêts et des produits de crédit

Pour l'exercice 2023, Région Financial Corporation a rapporté 4,8 milliards de dollars dans le revenu des intérêts nets.

Catégorie de prêt	Solde total des prêts	Taux d'intérêt moyen
Prêts commerciaux	49,3 milliards de dollars	6.25%
Prêts à la consommation	37,6 milliards de dollars	5.75%
Prêts hypothécaires	28,4 milliards de dollars	5.50%

Frais bancaires et frais de service

En 2023, les régions financières générées 712 millions de dollars des frais de service et des frais.

• Frais de maintenance du compte: 215 millions de dollars
• Frais de découvert: 187 millions de dollars
• Frais de transaction ATM: 98 millions de dollars
• Frais de transfert de fil: 52 millions de dollars

Frais de gestion de patrimoine et d'investissement

Les revenus de gestion de la patrimoine pour 2023 ont totalisé 336 millions de dollars.

Service	Revenu	Actifs sous gestion
Avis d'investissement	214 millions de dollars	42,7 milliards de dollars
Planification de la retraite	122 millions de dollars	18,3 milliards de dollars

Services hypothécaires et refinancement

Les revenus liés aux hypothèques atteignent 287 millions de dollars en 2023.

• Frais d'origine hypothécaire: 168 millions de dollars
• Frais de refinancement: 119 millions de dollars

Revenus de transaction et d'échange

Les revenus d'échange et de transaction sont élevés 425 millions de dollars en 2023.

Type de transaction	Volume total des transactions	Revenu
Transactions de carte de crédit	18,6 milliards de dollars	276 millions de dollars
Transactions par carte de débit	12,4 milliards de dollars	149 millions de dollars

Regions Financial Corporation (RF) - Canvas Business Model: Value Propositions

You're looking at the core promises Regions Financial Corporation makes to its clients and the market, backed by its recent performance figures. These are the tangible reasons customers choose Regions Bank.

Full-service financial solutions across consumer, commercial, and wealth segments means you get everything from a checking account to complex capital markets advice under one roof. This breadth is reflected in the Q3 2025 results where Wealth Management and Capital Markets segments hit record performances, contributing to a 15.2% increase in non-interest income year-over-year.

The financial foundation supporting these services shows stability. Regions Financial Corporation holds approximately $160 billion in total assets. You can see the capital strength in the 10.8% Common Equity Tier 1 (CET1) ratio reported for Q3 2025, which signals robust capital adequacy for absorbing potential shocks.

Financial Strength Metric	Value	Reporting Period
Total Assets	$160 billion	As of Q3 2025
Common Equity Tier 1 (CET1) Ratio	10.8%	Q3 2025
Net Interest Margin (NIM)	3.59%	Q3 2025
Total Revenue	$1.916 billion	Q3 2025
Non-Interest Income Growth	15.2%	Year-over-Year (Q3 2025)

Integrated advice and tailored solutions for middle-market commercial clients is a key differentiator, evidenced by the growth in specialized segments. The bank supports this with a physical presence of about 1,250 banking offices and over 2,000 ATMs across its markets.

Making life better for customers through personalized service and digital tools translates directly into high marks from users. Regions Bank is rated number one among traditional banks in customer satisfaction, which is a big deal. If onboarding takes 14+ days, churn risk rises, but these scores suggest the experience is smooth.

• ACSI Score for traditional banks: 83
• Score is 3 points above the national banking average of 80
• Satisfaction measurement includes quality and reliability of the mobile app
• Satisfaction measurement includes website satisfaction
• Satisfaction measurement includes speed of in-branch transactions

The financial results for the third quarter of 2025 show a net income of $548 million and an adjusted EPS of $0.63, demonstrating the value derived from their operational execution. The Return on Tangible Common Equity reached 19% in Q2 2025, showing efficient use of shareholder capital.

Regions Financial Corporation (RF) - Canvas Business Model: Customer Relationships

You're looking at how Regions Financial Corporation builds and maintains its connections with customers across its diverse segments. It's a blend of high-tech efficiency and high-touch expertise, which is key for a regional bank operating across the South, Midwest, and Texas.

Dedicated relationship managers are central for the more complex client interactions. In the Wealth Management business, for example, the bank emphasizes a planning-first approach for high-net-worth individuals and families, which has led to earning top industry honors like Best Trust Services by a Private Bank and Best Wealth Planning Execution at the Global Private Banking Innovation Awards in 2025. This relationship focus is driving growth; the total number of wealth management relationships grew by 8.3% compared to last year.

For complex needs, high-touch, in-person service remains a core element, especially where tailored advice is needed. To support this, Regions Financial is actively investing in its talent base. The company plans to hire 90 revenue producers by 2026, with two-thirds expected by year-end. Furthermore, the bank is repositioning 600 bankers into high-growth markets, aiming to increase their productivity by up to 200%.

The drive for efficiency is clear in the self-service digital channels. The share of customer transactions conducted through digital channels has increased to 78%, up from 74% over the past two years. Improvements to the digital funnel also drove 10% year-to-date growth in digital channel checking.

Here's a quick look at the scale of digital adoption and relationship depth:

Metric	Value	Context/Segment
Share of Digital Transactions	78%	Customer transactions
Digital Channel Checking Growth	10%	Year-to-date growth
Corporate Banking AI Insight Powering Opportunities	35%	New business opportunities
Corporate Banking Group Clients Using Treasury Management	65%	Relationship depth
Total Client Liquidity	Exceeded $50 billion	For five consecutive quarters

Financial education workshops are a significant part of the proactive customer-centric model, offered at no cost to anyone, customer or not, through the Regions Next Step® curriculum. This commitment is substantial:

• Approximately 1.6 million people received financial education from Regions in 2024.
• During a recent Financial Literacy Month, associates dedicated more than 2,000 volunteer hours.
• These volunteer efforts benefited 200 organizations across the Regions footprint.

Proactive customer-centric innovation is also evident in operational support. Automation and AI are expected to return 200,000 hours to frontline bankers, allowing them to focus more on serving customers. This focus on service is validated externally; Regions Bank was rated number one in customer satisfaction among traditional banks according to the American Customer Satisfaction Index (ACSI®) 2025 Finance and Insurance Study. The bank reskilled and reallocated bankers to focus on opportunities with small businesses and key customer segments, which is part of a strategy to turn ordinary experiences into something extraordinary.

The bank supports various segments with tailored educational outreach:

• Webinars on Building Better Money Habits for consumers.
• Extra Credit events providing information on budgeting and fraud prevention for students and parents.
• Integration of financial education into workforce training programs, such as with STRIVE New Orleans.

Finance: draft 13-week cash view by Friday.

Regions Financial Corporation (RF) - Canvas Business Model: Channels

You're looking at how Regions Financial Corporation gets its products and services in front of its customers across its footprint. It's a mix of the traditional, brick-and-mortar presence and a rapidly evolving digital ecosystem. This channel strategy is key to serving their customer base across the South, Midwest, and Texas.

The physical network remains substantial, providing face-to-face service for complex needs and relationship building. As of December 31, 2024, Regions Bank operated approximately 1,253 branch outlets across its service area. Florida, Tennessee, and Alabama are key states, with 270, 195, and 185 branches, respectively, at that time. This physical footprint is supported by an extensive self-service network, with over 2,011 ATMs available as of the end of 2024.

The digital channels are where you see the growth momentum. Regions Financial Corporation is clearly pushing customers toward its online and mobile platforms for everyday banking. As of the Q4 2024 reporting period, active mobile banking users reached 2.6 million, marking a 9% year-over-year increase. Furthermore, the share of customer transactions conducted digitally climbed to 76% by early 2025, up from 71% the prior year. They are actively modernizing this space, beginning the rollout of a new native mobile app in early 2025.

Here's a quick look at the scale of their physical versus digital reach, based on year-end 2024/early 2025 data:

Channel Type	Specific Metric	Reported Number (as of late 2024/early 2025)
Physical Network	Banking Offices	1,253
Physical Network	ATMs	2,011
Digital Reach	Active Mobile Users	2.6 million
Digital Usage	Share of Customer Transactions (Digital)	76%
Wealth Management	Year-over-Year Relationship Growth (Q2 2025)	8.3%

For specialized services, Regions Financial Corporation deploys dedicated advisory teams. The Wealth Management segment, which is one of the three reportable segments, focuses on serving affluent and high-net-worth clients through Private Wealth Management solutions, including access to Financial Advisors for planning and guidance via tools like Regions InvestPath®. On the institutional side, Capital Markets solutions and merger and acquisition advisory services are delivered through specialty capability offices in locations like New York, Washington D.C., and Chicago, in addition to their main footprint. Executives from Regions Financial Corporation actively engaged with the investment community via the 2025 RBC Capital Markets Global Financial Institutions Conference.

To drive engagement across these channels, Regions Financial Corporation uses targeted outreach. This includes traditional methods like direct mail, which is often used for specific product offers or local branch promotions. On the digital front, they employ targeted digital marketing campaigns to reach specific customer segments, which supports the growth seen in areas like treasury management, where small business deposit growth has been strong since before the pandemic. The overall company, as of December 31, 2024, managed approximately $157.3 billion in total consolidated assets.

You can see the channel mix supporting their overall business structure. For instance, the Consumer Bank segment relies heavily on the branch and digital channels for its daily transactions, while Wealth Management and Corporate Bank lean more on the dedicated advisory teams.

• The digital channel strategy is supported by ongoing technology modernization, including plans to upgrade commercial loan and deposit systems to cloud platforms through 2027.
• The bank emphasizes customer satisfaction across channels, achieving an ACSI score of 83 out of 100 in the 2025 Finance and Insurance Study, ranking number one among traditional banks.
• The digital platforms support core functions like Bill Pay, Zelle® transactions (which surged 49% year-over-year as of Q4 2024), and internal/external transfers.

Regions Financial Corporation (RF) - Canvas Business Model: Customer Segments

Consumer Bank: Mass market and affluent individuals across the Southern, Midwestern, and Texas footprint

• Geographic footprint covers the South, Midwest and Texas regions.
• Regions Bank operated approximately 1,250 banking offices and more than 2,000 ATMs as of early 2025.
• 3.4 million active digital customers as of December 31, 2024.
• Digital channel checking year-to-date growth of 10% in the first half of 2025.

Corporate Bank: Middle market, commercial real estate developers, and corporate clients

• Corporate Banking segment held average assets of $69.2B as of December 31, 2024.
• Reported net income contribution of $815M for the full year 2024.
• Deposit growth in the Corporate Bank Segment was 9.8% quarter-over-quarter in Q2 2025.
• Commercial loan portfolio decreased by $1.2 billion in 2024 compared to 2023.

Wealth Management: High-net-worth individuals and families seeking advisory services

• Regions Asset Management reported assets under administration exceeding $153.1 billion.
• Wealth Management net income for the year ending December 31, 2024, was $153M.
• Total number of wealth management relationships grew by 8.3% year-over-year in Q2 2025.
• Wealth management income increased by 3 percent in the second quarter of 2025 compared to the prior year period.
• Regions Investment Management Inc. reported Assets Under Management (AUM) of $18.7 B as of July 16, 2025.

Small Businesses: Local enterprises requiring deposits, loans, and treasury management

• Bank bankers were reallocated to focus on opportunities with small businesses in the first half of 2025.
• The bank prioritizes small business accounts for its stable funding base.

Mortgage Customers: Individuals seeking residential mortgage origination and servicing

• Mortgage income increased by 20 percent in the second quarter of 2025 year-over-year.
• This income increase was attributable to a $13 million favorable mortgage servicing rights valuation adjustment in Q2 2025.
• The bank increased its rights to service residential mortgage loans by a bulk purchase of $8 billion at the end of the first quarter of 2024.

Overall Scale and Segment Contribution Summary (Data as of late 2024/early 2025)

Metric	Consumer Bank	Corporate Bank	Wealth Management	Total/Bank Level
Average Assets (Dec 31, 2024)	$37.9B	$69.2B	$2.1B	Consolidated Assets: $157B to $160B
Net Income Contribution (2024)	$900M	$815M	$153M	Total Deposits: $127.6B (Dec 31, 2024)
Key Metric Change (Latest Reported)	Digital Checking Growth: 10% YTD (H1 2025)	Deposit Growth: 9.8% QoQ (Q2 2025)	Relationship Growth: 8.3% YoY (Q2 2025)	Total Revenue (TTM, latest): $7.42B or $9.587B

Regions Financial Corporation (RF) - Canvas Business Model: Cost Structure

You're managing a large regional bank, so your cost structure is heavily weighted toward people and the physical footprint needed to serve customers. Here's a breakdown of the key cost drivers for Regions Financial Corporation as of late 2025, grounded in the latest figures.

Significant personnel costs are a major component, supporting a team of approximately 20,000 associates. Compensation and benefits are directly tied to the operational scale and service delivery across the footprint. For instance, in the second quarter of 2025, full-time equivalent headcount rose by just over 100 associates compared to the first quarter of 2025.

Managing the cost of funds is critical, especially with interest rate volatility. Regions Financial Corporation has successfully managed its funding costs, reporting peer-leading interest-bearing deposit costs of 2.01% as of September 30, 2025. This low cost of funds helps offset lower asset yields.

The overall expense outlook remains disciplined. Management projected adjusted non-interest expense to rise 1% to 2% for the full year 2025. Still, quarterly figures show the ongoing expense base. For example, the third quarter of 2025 saw adjusted non-interest expense of $1,073 million.

The physical network drives substantial fixed costs. Regions Financial Corporation maintains a large infrastructure, with 1,253 branch outlets and 2,011 ATMs as of December 31, 2024. These facilities generate the occupancy and equipment costs that are a core part of the cost base, though efficiency efforts are ongoing.

Technology and operations expenses are also significant, reflecting necessary investment for the future. Regions Financial Corporation is actively investing in core modernization, including a new mobile app rollout and planning for a cloud-based deposit system conversion starting in late 2026.

Here's a look at the components of the non-interest expense structure based on recent reporting:

Cost Category Component	Latest Reported Period	Amount (Millions USD)
Adjusted Non-Interest Expense (Total)	Q3 2025	$1,073
Salaries and Benefits Expense (Component of Non-Interest Expense)	Q3 2025	Data not explicitly isolated for Q3 2025
Occupancy/Equipment/Tech (Implied via Non-Interest Expense)	Q4 2024 (Adjusted)	Implied component of $1,038
Full-Year 2025 Guidance (Increase)	Full Year 2025 Projection	1% to 2% increase

You should also track the underlying drivers of personnel and operational costs:

• Full-time equivalent headcount increased by over 100 associates in Q2 2025 over Q1 2025.
• Interest-bearing deposit cost managed down to 2.01% as of 9/30/2025.
• The branch network size as of year-end 2024 was 1,253 locations.
• Technology investment includes a planned cloud-based deposit system conversion starting in late 2026.
• Q3 2025 reported total revenue was up 7% year-over-year, showing revenue growth is outpacing expense guidance.

The cost of funding is clearly under management, so the focus shifts to controlling the fixed costs associated with the 20,000 people and the physical network. Finance: draft 13-week cash view by Friday.

Regions Financial Corporation (RF) - Canvas Business Model: Revenue Streams

You're looking at how Regions Financial Corporation brings in the money, which is fundamentally about the spread between what they pay for deposits and what they earn on loans, plus the fees they charge for other services. Here's the breakdown of those revenue streams as of late 2025.

Net Interest Income (NII) from loans and securities remains the core engine. Management guided for full-year 2025 Net Interest Income growth to be between 3% and 4%. This is supported by a Net Interest Margin (NIM) that rebounded into the mid-3.60%s in the fourth quarter of 2025. For the third quarter of 2025, NII was stable to modestly higher than the second quarter of 2025 level, benefiting from new fixed-rate asset originations and reinvestments. The interest-bearing deposit costs, a key input to NII, remained low at only 2.01% in Q3 2025.

Non-Interest Income is showing solid momentum, diversifying the revenue base away from pure lending spreads. For the full year 2025, adjusted non-interest income is projected to grow between 4% and 5% versus 2024. This growth is being fueled by strong performance in specific fee-based areas. In Q3 2025, non-interest income increased 2% on a reported basis and 6% on an adjusted basis compared to Q2 2025, with total non-interest income showing a 15.2% year-over-year increase.

The specialized services are hitting new highs. Wealth Management income increased 5% in the third quarter of 2025, achieving a record quarter driven by elevated sales activity and favorable market conditions. Similarly, Capital Markets income, excluding valuation adjustments on customer derivatives, increased 22% in Q3 2025, also representing a new quarterly record. This quarter-over-quarter jump in Capital Markets was attributable to higher merger and acquisition advisory services, commercial swaps sales, loan syndications, and securities underwriting income.

Other key fee-based components show mixed results based on market conditions. Service charges increased 6% in Q3 2025, primarily due to increased account openings and seasonally higher activity. However, mortgage income was down 21% in the third quarter, which management noted was driven by a favorable $13 million Mortgage Servicing Right (MSR) valuation adjustment in Q2 2025 that did not repeat.

Here's a quick look at the Q3 2025 financial snapshot that these revenue streams generated:

Metric	Q3 2025 Value (Millions USD, unless noted)
Net Income Available to Common Shareholders	$548
Adjusted Net Income Available to Common Shareholders	$561
Diluted Earnings Per Common Share (EPS)	$0.61
Adjusted Diluted EPS	$0.63
Total Revenue	$1.9 billion
Net Interest Margin (NIM)	3.59%
Adjusted Pre-Tax, Pre-Provision Income	$830

The components driving the fee income, outside of the record-setters, include:

• Service charges: Increased 6% linked-quarter.
• Wealth Management income: Rose 5% linked-quarter.
• Capital Markets income (excl. valuation adjustments): Increased 22% linked-quarter.
• Mortgage income: Down 21% linked-quarter.

If onboarding takes 14+ days, churn risk rises, but here, the record-setting fee businesses suggest strong client engagement.

Finance: draft 13-week cash view by Friday.