Regions Financial : 4Q22 Earnings Presentation -

Exhibit 99.3

4th Quarter Earnings Conference Call

January 20, 2023

2022 overview

Continue to generate consistent, sustainable long-term performance

Key Performance Metrics

Net Income Available to Common Shareholders

Diluted Earnings

Per Share

Total Revenue

Non-Interest Expense

Pre-TaxPre-Provision

Income(1)

Efficiency Ratio

Net-Charge Offs

4Q22 FY22

Reported Adjusted(1) Reported Adjusted(1)

$660M		$2.1B
$0.70		$2.28
$2.0B	$2.0B	$7.2B	$7.2B
$1.0B	$1.0B	$4.1B	$3.9B
$984M	$939M	$3.1B	$3.3B
50.5%	51.6%	56.0%	53.9%
0.29%	0.29%	0.29%	0.22%

Highlights

• Both reported and adjusted FY PPI(1) represent highest level on record
• 4Q NII grew to a record $1.4B
• Reported 4Q NIM increased 46 bps to 3.99%, highest level in last 15 years
• Implemented additional OD policy enhancements benefiting customers
• Asset sensitive profile supports strong QoQ margin expansion
• Produced robust YTD average Commercial and Consumer loan growth
• Continued focus on disciplined capital allocation and risk-adjusted returns
• Top quartile returns on ROATCE and 1 & 3 year TSR(2)

1. Non-GAAP,see appendix for reconciliation. (2) Peer banks include: CFG, CMA, FHN, FITB, HBAN, HWC, KEY, MTB, SNV, PNC, TFC, USB, and ZION.

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Investments in our businesses

Investments in talent, technology and strategic acquisitions continue to pay off

CORPORATE

CONSUMER

WEALTH

Treasury Management client base grew 11.5% YoY(1); 2022 Revenue grew 10% achieving new record

Ascentium Capital experienced record 2022 loan production, up 25% YoY

Sabal closed +$730M loans in 2022,

FNMA small balance origination

volume doubled

Migrated iTreasury to modern platform & launched Real-TimePayment send capabilities

Top talent acquisition in key

areas: SBA, Franchise, New Markets

Tax Credits & Equip. Finance

Enhanced origination productivity: BUILT, Blooma, & nCino; Continued expansion of Regions Client IQ (RCLIQ)

Mobile users increased

5.7% YoY

Industry leading Customer Satisfaction and primacy levels

EnerBank generating high quality loans; synergy work ongoing

Significantly improved closing time on home equity products

Completed $13B UPB MSRs bulk purchases & continue to purchase MSRs on a flow basis

Upgraded mortgage contact

relationship management

platform

Record 2022 non-

interest income

reflecting growth of

9.2% vs PY

Growth in revenue per quality

relationship(2) of 14.5%

Better use of data

contributing to strong PWM

retention rate(3) of 93%

Investment Services

average monthly revenue

up 17%, over PY

40% of all PWM Clients have a Wealth Plan, allowing us to help them focus on their unique goals

Strong Client Satisfaction and Associate Engagement scores

1. October 2022 vs 2021. (2) Quality Relationships defined as having a cumulative $500K in loans, deposits and IM&T accounts, revenue per Quality Relationship measured over TTM, Nov '22 vs Dec '21. (3) Retention of IM&T revenue vs baseline.

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Loan growth continues

Loans and leases		1%
(Average, $ in billions)
$86.6	$94.6	$95.8
31.5	32.2	32.0
55.1	62.4	63.8
	4Q21	3Q22	4Q22
(Ending, $ in billions)		2%
$87.7	$94.7	$97.0
31.4	31.6	32.3
56.3	63.1	64.7
	4Q21	3Q22	4Q22
	Consumer loans		Business loans

QoQ highlights & outlook

• Avg business loans increased 2% reflecting high-quality,broad-based growth across financial services, wholesale durables, information services and multi-family
• Line commitments increased ~$800M and utilization increased to 43.4%
• • Expect pace of loan growth to slow over time as capital market conditions become more favorable
  • PPP loans ended the quarter at ~$135M
• Avg consumer loans declined 1% but grew 2% on an ending basis; Growth in avg mortgage, EnerBank and credit card offset by consumer loan sale in 3Q and continued run-off of exit portfolios
• • Other Consumer includes ~14% growth in avg EnerBank loans
• Expect 2023 reported ending loan balances to grow ~4% compared to 2022

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Deposits

Normalization occurring as expected

Deposits by Segment

(Average, $ in billions)
$136.7	$135.5	$133.0
3.0	$2.3	2.2
10.1	$9.5	9.0
42.7	$39.0	38.2
80.9	$84.7	83.6
	4Q21	3Q22	4Q22
	(Ending, $ in billions)
$139.1	$135.4	$131.7
2.7
2.2
10.9	2.0
9.4
9.1
42.7	38.3	37.1
82.8	85.5	83.5
	4Q21	3Q22	4Q22

QoQ highlights & outlook

• Avg total consumer balances modestly lower, driven by higher-balance customers seeking investment alternatives
• Avg corporate deposits down 2% reflecting more evidence of normalization; Business clients continued to optimize liquidity position, remixing away from NIB to other options both on-balance sheet & those managed through our Treasury Mgt platform off-balance sheet
• Ending deposits declined $7.3B YoY, in line with previous 2022 expectations
• Total ending deposits expected to decline
  $3-5B over 1H23; considers impact of Fed bal. sheet normalization, seasonal trends, & late- cycle rate seeking behavior; 2H23 expected to be stable/modest growth
• Deliberate approach to managing liquidity allows for expected deposit normalization & growth in the balance sheet without need for material wholesale borrowings in near-term

Consumer Bank	Corporate Bank
Wealth Mgt	Other(1)

1. Other deposits represent non-customer balances primarily consisting of EnerBank brokered deposits. (2) See slide 17 for an analysis of surge deposit components.

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