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    Christopher Spahr • Wells Fargo

    Christopher Spahr's questions to Regions Financial Corp (RF) leadership

    Christopher Spahr's questions to Regions Financial Corp (RF) leadership • Q1 2025

    Question

    Christopher Spahr from Wells Fargo sought clarification on the lowered fee income guidance, asking if it was driven solely by capital markets weakness or if other factors were involved. He also requested more detail on actions being taken in the bank's core growth markets.

    Answer

    Executive David Turner confirmed the primary driver for the lower fee guidance is weakness in capital markets, particularly M&A, real estate, and loan syndications. Executive John Turner explained the core market strategy involves deploying specialized bankers and using a team-based approach to capitalize on opportunities in small business, commercial, and wealth management within those markets.

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    Christopher Spahr's questions to Regions Financial Corp (RF) leadership • Q4 2024

    Question

    Christopher Spahr asked what the bank's organic loan and deposit growth rate should be in a normal environment, given its strong footprint. He also requested more specific details on the technology project timeline and its expected benefits.

    Answer

    Executive John Turner stated that in a normal environment, Regions should grow with the economy plus a little extra in its core markets. He reiterated the tech timeline: the new loan system converts in 2025, and the deposit system will be implemented in 2027 after a 2026 pilot. He highlighted benefits such as faster product launches, bundling capabilities, and easier upgrades from the new cloud-based system.

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    Christopher Spahr's questions to Zions Bancorporation NA (ZION) leadership

    Christopher Spahr's questions to Zions Bancorporation NA (ZION) leadership • Q4 2024

    Question

    Christopher Spahr asked if the increase in energy loan growth was related to post-election optimism and what other areas might see growth. He also asked CEO Harris Simmons about other potential areas of regulatory relief for banks of Zions' size.

    Answer

    President and COO Scott McLean attributed the energy loan growth to favorable pricing and structure as competitors exit, noting a general sense of optimism among small and medium-sized business owners post-election. CEO Harris Simmons commented that relief from numerous CFPB rules and climate disclosure pressures would be beneficial. He expressed optimism that the new administration's focus on facilitating growth will create a more conducive environment.

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