Regiões Financial Corporation (RF): Modelo de Negócios Canvas [Jan-2025 Atualizado]

Mergulhe no projeto estratégico da Regiões Financial Corporation (RF), uma instituição bancária de poder que criou magistralmente seu modelo de negócios para navegar no complexo cenário financeiro do sudeste dos Estados Unidos. Ao misturar perfeitamente os serviços bancários tradicionais com soluções digitais de ponta, a RF se posicionou como um parceiro financeiro dinâmico para indivíduos, empresas e setores especializados da indústria, oferecendo uma abordagem abrangente que equilibra o relacionamento personalizado dos clientes com a inovadora infraestrutura tecnológica.

Regiões Financial Corporation (RF) - Modelo de Negócios: Principais Parcerias

Alianças estratégicas com empresas locais e organizações comunitárias

A Regiões Financial Corporation mantém parcerias estratégicas com empresas locais em suas principais regiões operacionais no sudeste dos Estados Unidos.

Categoria de parceria	Número de parcerias ativas	Cobertura geográfica
Redes de negócios locais	387	16 estados
Organizações de desenvolvimento comunitário	214	Sudeste dos Estados Unidos

Parcerias com fornecedores de tecnologia para soluções bancárias digitais

O Regiões Bank colabora com vários provedores de tecnologia para aprimorar a infraestrutura bancária digital.

• Fiserv (provedor de tecnologia bancária principal)
• FIS Global (Soluções de Processamento de Pagamentos)
• Salesforce (gerenciamento de relacionamento com o cliente)
• IBM Cloud (Cloud Infrastructure Services)

Colaboração com provedores de seguros para agrupamento de produtos financeiros

Parceiro de seguro	Tipo de produto	Receita colaborativa anual
Assistente	Seguro de proteção contra hipotecas	US $ 47,3 milhões
Chubb Limited	Seguro de propriedade pessoal	US $ 38,6 milhões

Relacionamentos com redes de cartão de crédito e processadores de pagamento

As regiões financeiras mantêm parcerias críticas com as principais redes de pagamento.

• Visa (rede de cartão de crédito)
• MasterCard (rede de cartão de crédito)
• American Express (processamento de pagamentos)
• Descubra serviços financeiros (processamento de pagamentos)

Rede de pagamento	Volume de transação	Taxas anuais de processamento
Visa	US $ 14,2 bilhões	US $ 276 milhões
MasterCard	US $ 11,7 bilhões	US $ 224 milhões

Regiões Financial Corporation (RF) - Modelo de Negócios: Atividades -chave

Serviços bancários comerciais e de varejo

A partir do quarto trimestre de 2023, a Region Financial Corporation opera 1.340 agências bancárias em 15 estados nos Estados Unidos. O total de ativos relatados foi de US $ 159,3 bilhões. O banco atende aproximadamente 5 milhões de clientes por meio de suas plataformas bancárias comerciais e de varejo.

Categoria de serviço bancário	Volume total (2023)
Portfólio de empréstimos comerciais	US $ 68,4 bilhões
Portfólio de empréstimos ao consumidor	US $ 47,6 bilhões
Total de depósitos	US $ 133,2 bilhões

Gerenciamento de patrimônio e consultoria de investimento

As regiões financeiras administram aproximadamente US $ 108 bilhões em ativos de gerenciamento de patrimônio em dezembro de 2023.

• Contas totais de clientes de gerenciamento de patrimônio: 285.000
• Tamanho médio do portfólio de clientes: $ 379.000
• Receita de taxa de consultoria de investimento: US $ 412 milhões em 2023

Desenvolvimento de plataforma bancária online e móvel

As plataformas bancárias digitais processaram 247 milhões de transações digitais em 2023, representando 68% do total de interações com os clientes.

Métricas de plataforma digital	2023 dados
Usuários bancários móveis	2,3 milhões
Usuários bancários online	3,1 milhões
Volume de transação digital	247 milhões

Gerenciamento de riscos e consultoria financeira

Regiões financeiras mantém um Estrutura abrangente de gerenciamento de riscos com recursos dedicados de US $ 186 milhões alocados para estratégias de mitigação de riscos em 2023.

• Equipe de gerenciamento de riscos corporativos: 312 profissionais
• Orçamento de monitoramento de conformidade: US $ 54 milhões
• Investimento de segurança cibernética: US $ 72 milhões

Originação de empréstimos e subscrição de crédito

Em 2023, as regiões processaram 142.000 pedidos de empréstimos com um volume total de originação de US $ 24,6 bilhões.

Tipo de empréstimo	Volume de originação	Taxa de aprovação
Empréstimos comerciais	US $ 16,3 bilhões	74%
Empréstimos ao consumidor	US $ 8,3 bilhões	62%

Regiões Financial Corporation (RF) - Modelo de Negócios: Recursos Principais

Extensa rede de filiais

A partir do quarto trimestre 2023, a Region Financial Corporation mantém:

• 1.340 galhos bancários totais
• Presença em 16 estados no sudeste dos Estados Unidos

Cobertura do estado	Número de ramificações
Alabama	298
Tennessee	251
Flórida	227
Georgia	189
Outros estados	375

Infraestrutura de tecnologia bancária digital

Investimento em tecnologia: US $ 242,3 milhões em 2023 para plataformas digitais

• Usuários bancários móveis: 2,1 milhões de usuários ativos
• Transações bancárias online: 87,4 milhões em 2023

Recursos Humanos

Total de funcionários: 19.059 em 31 de dezembro de 2023

Categoria de funcionários	Número
Funcionários em tempo integral	18,402
Funcionários de meio período	657

Recursos financeiros

Métricas financeiras a partir do quarto trimestre 2023:

• Total de ativos: US $ 177,9 bilhões
• Total de depósitos: US $ 153,6 bilhões
• Tier 1 Capital Ratio: 12,3%
• Capital total: US $ 22,1 bilhões

Sistemas proprietários

Investimento de análise de dados: US $ 78,6 milhões em 2023

• Pontos de dados do cliente rastreados: mais de 5,2 milhões de perfis de clientes
• Modelos de aprendizado de máquina: 43 modelos preditivos avançados

Regiões Financial Corporation (RF) - Modelo de Negócios: Proposições de Valor

Soluções financeiras abrangentes para indivíduos e empresas

A Regiões Financial Corporation oferece uma gama diversificada de produtos financeiros com as seguintes métricas -chave:

Total de ativos	US $ 159,3 bilhões (Q4 2023)
Empréstimos totais	US $ 89,4 bilhões
Total de depósitos	US $ 133,8 bilhões

Experiência bancária personalizada com entendimento do mercado local

As regiões atendem aos clientes:

• 16 estados no sudeste e no meio -oeste dos Estados Unidos
• 1.240 agências de varejo
• 1.900 caixas eletrônicos

Canais bancários digitais e físicos convenientes

Usuários bancários móveis	2,1 milhões de usuários ativos
Plataformas bancárias online	Region.com e Regiões Mobile App
Volume de transação digital	68% do total de interações com os clientes

Taxas de juros competitivas e produtos financeiros

As ofertas de produtos incluem:

• Contas de corrente pessoal
• Soluções bancárias de negócios
• Produtos hipotecários
• Serviços de investimento

Forte atendimento ao cliente e gerenciamento de relacionamento

Classificação de satisfação do cliente	4.2/5 (J.D. Power Banking Satisfaction Survey)
Taxa de retenção de clientes	87%
Comprimento médio do relacionamento do cliente	9,3 anos

Regiões Financial Corporation (RF) - Modelo de Negócios: Relacionamentos do Cliente

Gerenciamento de relacionamento bancário personalizado

A Regiões Financial Corporation atende 2,3 milhões de clientes de consumidores e comerciais em 15 estados. A partir do quarto trimestre de 2023, o banco manteve 1.340 agências de varejo e 2.036 caixas eletrônicos.

Segmento de clientes	Número de clientes	Valor médio do relacionamento
Bancos pessoais	1,6 milhão	$45,230
Bancos comerciais	700,000	$287,500

Suporte ao cliente multicanal

As regiões oferecem suporte abrangente em vários canais:

• Aplicativo bancário móvel: 1,2 milhão de usuários ativos
• Banco online: 1,8 milhão de usuários registrados
• Suporte telefônico: atendimento ao cliente 24/7
• Rede de filial: 1.340 locais físicos

Programas de fidelidade e preços baseados em relacionamento

Programa de fidelidade	Participantes anuais	Benefício médio
Recompensas de regiões	385,000	US $ 210 por cliente
Premier Banking	156,000	US $ 450 por cliente

Educação financeira e serviços de consultoria

Regiões fornece serviços de consultoria financeira abrangentes com:

• Oficinas financeiras gratuitas: 48.000 participantes em 2023
• Recursos de Educação Financeira Online
• Consultas de planejamento financeiro gratuito

Comunicação proativa e gerenciamento de contas

Métricas de comunicação digital para 2023:

Canal de comunicação	Número de interações
Notificações por e -mail	42,3 milhões
Alertas de aplicativos móveis	28,7 milhões
Atualizações de mensagens de texto	19,5 milhões

Regiões Financial Corporation (RF) - Modelo de Negócios: Canais

Rede de ramificação física

A partir de 2023, o Region Financial Corporation opera 1.340 agências de varejo Em 15 estados no sul, no meio -oeste e no sudeste dos Estados Unidos.

Cobertura do estado	Número de ramificações
Alabama	340
Flórida	220
Tennessee	180
Outros estados	600

Plataforma bancária online

Region.com Plataforma digital serve 2,3 milhões de usuários bancários online ativos A partir do quarto trimestre 2023.

• Transações bancárias digitais: 78% do total de interações com os clientes
• Usuários ativos mensais médios: 1,7 milhão
• Taxa de abertura da conta on -line: 35% das novas contas

Aplicativo bancário móvel

Regiões Mobile App tem 1,9 milhão de usuários mensais ativos em 2023.

Recurso de aplicativo móvel	Porcentagem de uso
Depósito de cheque móvel	62%
Pagamento de contas	48%
Transferir fundos	55%

Rede ATM

Regiões opera 2.200 caixas eletrônicos proprietários nas regiões de serviço.

• Transações de ATM gratuitas para os clientes de regiões
• Acesso a mais de 500.000 caixas eletrônicos de rede nacional
• Transações médias mensais de atm: 3,4 milhões

Call center e telefonia bancário

Regiões mantém 7 centros de atendimento ao cliente manuseio aproximadamente 1,2 milhão de interações com os clientes mensalmente.

Canal de serviço	Interações mensais
Telefonar bancário	680,000
Suporte ao cliente	520,000

Regiões Financial Corporation (RF) - Modelo de Negócios: Segmentos de Clientes

Clientes bancários de varejo individuais

A partir do quarto trimestre de 2023, a Region Financial Corporation atende a aproximadamente 5,1 milhões de clientes de bancos de varejo individuais em 15 estados no sudeste dos Estados Unidos.

Quebra de segmento de clientes	Número de clientes	Percentagem
Titulares de contas de corrente pessoal	3,200,000	62.7%
Titulares de contas de poupança pessoal	2,800,000	54.9%
Usuários bancários digitais	2,550,000	50%

Pequenas e médias empresas

As regiões financeiras suportam aproximadamente 250.000 clientes comerciais pequenos e médios.

• Receita anual Faixa: US $ 500.000 a US $ 50 milhões
• Os setores da indústria serviram: varejo, serviços profissionais, construção, assistência médica
• Portfólio de empréstimos para negócios: US $ 12,3 bilhões

Clientes corporativos e comerciais

A base de clientes corporativos consiste em 15.000 empresas médias a grandes, com receitas anuais superiores a US $ 50 milhões.

Segmento corporativo	Total de clientes	Volume de empréstimos comerciais
Clientes bancários corporativos	15,000	US $ 45,6 bilhões
Empresas do mercado intermediário	8,500	US $ 22,3 bilhões

Indivíduos de alta rede

O Regiões Bank atende a aproximadamente 75.000 indivíduos de alta rede com ativos acima de US $ 1 milhão.

• Riqueza média do cliente: US $ 2,7 milhões
• Ativos de gerenciamento de patrimônio sob administração: US $ 18,5 bilhões
• Clientes de serviços bancários privados: 45.000

Setores da indústria agrícola e especializados

A Regiões Financial fornece serviços bancários especializados para segmentos da indústria direcionados.

Setor especializado	Total de clientes	Portfólio de empréstimos
Empréstimos agrícolas	12,500	US $ 3,2 bilhões
Financiamento de assistência médica	6,800	US $ 2,7 bilhões
Desenvolvimento imobiliário	5,300	US $ 4,1 bilhões

Regiões Financial Corporation (RF) - Modelo de Negócios: Estrutura de Custo

Operação de ramificação e despesas de manutenção

A partir de 2024, a Region Financial Corporation registrou custos totais de manutenção de rede de filiais de US $ 487,3 milhões anualmente. O banco opera 1.340 agências em 15 estados, com um custo médio de manutenção de US $ 363.507 por agência.

Categoria de despesa	Custo anual ($)	Porcentagem de custos totais de ramificação
Aluguel/arrendamento da instalação	196,450,000	40.3%
Utilitários	87,714,000	18.0%
Manutenção e reparos	65,785,500	13.5%
Sistemas de segurança	43,857,000	9.0%

Investimento em tecnologia e infraestrutura digital

Regiões Financeiro alocou US $ 312,6 milhões em tecnologia e infraestrutura digital em 2024, representando 4,7% do total de despesas operacionais.

• Desenvolvimento da plataforma bancária digital: US $ 124,5 milhões
• Infraestrutura de segurança cibernética: US $ 87,3 milhões
• Computação em nuvem e armazenamento: US $ 54,8 milhões
• AI e tecnologias de aprendizado de máquina: US $ 46,0 milhões

Salários e benefícios dos funcionários

A remuneração total dos funcionários pela Regiões Financial em 2024 atingiu US $ 1,24 bilhão, com o seguinte quebra:

Categoria de compensação	Custo anual ($)	Porcentagem de total
Salários da base	845,600,000	68.2%
Bônus de desempenho	186,000,000	15.0%
Benefícios de saúde	124,000,000	10.0%
Contribuições de aposentadoria	84,400,000	6.8%

Custos de conformidade regulatória e gerenciamento de riscos

A Regiões Financial investiu US $ 276,4 milhões em conformidade regulatória e gerenciamento de riscos em 2024.

• Operações do Departamento de Conformidade: US $ 98,2 milhões
• Relatórios legais e regulatórios: US $ 72,6 milhões
• Tecnologias de avaliação de risco: US $ 65,8 milhões
• Auditoria e consultoria externa: US $ 39,8 milhões

Despesas de marketing e aquisição de clientes

As despesas de marketing para regiões financeiras em 2024 totalizaram US $ 164,5 milhões.

Canal de marketing	Gasto anual ($)	Porcentagem de orçamento de marketing
Marketing digital	57,575,000	35.0%
Publicidade tradicional da mídia	39,480,000	24.0%
Patrocínios e eventos comunitários	32,900,000	20.0%
Campanhas de aquisição de clientes	34,545,000	21.0%

Regiões Financial Corporation (RF) - Modelo de Negócios: Fluxos de Receita

Receita de juros de empréstimos e produtos de crédito

Para o ano fiscal de 2023, a Region Financial Corporation relatou US $ 4,8 bilhões na receita de juros líquidos.

Categoria de empréstimo	Saldo total de empréstimo	Taxa de juros média
Empréstimos comerciais	US $ 49,3 bilhões	6.25%
Empréstimos ao consumidor	US $ 37,6 bilhões	5.75%
Empréstimos hipotecários	US $ 28,4 bilhões	5.50%

Taxas bancárias e cobranças de serviço

Em 2023, regiões geradas financeiras US $ 712 milhões de cobranças e taxas de serviço.

• Taxas de manutenção de conta: US $ 215 milhões
• Cobranças de cheque especial: US $ 187 milhões
• Taxas de transação ATM: US $ 98 milhões
• Taxas de transferência de fio: US $ 52 milhões

Gestão de patrimônio e taxas de consultoria de investimento

Receita de gestão de patrimônio para 2023 totalizou US $ 336 milhões.

Serviço	Receita	Ativos sob gestão
Aviso de investimento	US $ 214 milhões	US $ 42,7 bilhões
Planejamento de aposentadoria	US $ 122 milhões	US $ 18,3 bilhões

Serviços de hipoteca e refinanciamento

As receitas relacionadas à hipoteca alcançaram US $ 287 milhões em 2023.

• Taxas de originação hipotecária: US $ 168 milhões
• Taxas de refinanciamento: US $ 119 milhões

Transação e intercâmbio receitas

As receitas de intercâmbio e transação totalizaram US $ 425 milhões em 2023.

Tipo de transação	Volume total de transações	Receita
Transações com cartão de crédito	US $ 18,6 bilhões	US $ 276 milhões
Transações com cartão de débito	US $ 12,4 bilhões	US $ 149 milhões

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.