Solomon Islands Finance

Oct 15 2017

Regions Financial Corporation – Capital & Liquidity Policies #regions, #regions #bank, #online #banking, #regionsnet, #checking, #savings, #credit #cards, #loans, #checkcard, #investments, #mutual #funds, #calculators, #platinum #visa, #cds, #money #market, #savings, #mortgage, #bill #pay, #auto #loan, #insurance, #equity #assetline, #free #checking


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Capital & Liquidity Policies

Liquidity
Regions minimum cash requirements, by policy, utilizes a two step measurement process that requires the parent to maintain sufficient cash to cover the greater of (1) 18 months debt service and other cash needs or (2) a minimum cash balance of $500 million.

*This information will be updated annually with filing of 10-K

Regions Financial Corporation ( Regions or the Company ) and Regions Bank are required to comply with regulatory capital requirements established by Federal and State banking agencies. These regulatory capital requirements involve quantitative measures of the Company s assets, liabilities and certain off-balance sheet items, and also qualitative judgments by the regulators.

Transitional Basis Basel III Risk-Based Capital Rules

March 31, 2017 (1)

To Be Well
Capitalized

(1) Current quarter ratios are estimated.

In addition to the above Basel III risk-based capital measurement, regulators are supplementing their assessment of the capital adequacy of a bank using tangible common stockholders equity and the related tangible common stockholder s equity to tangible assets ratio. While not proscribed in amount by Federal banking regulators, we believe that it is useful to provide investors the ability to assess Regions capital adequacy under this same basis.

Other Capital Measurements

March 31, 2017 (1)

To Be Well
Capitalized

Tangible common stockholders equity (non-GAAP) (2)(3) :

Regions Financial Corporation

Tangible common stockholders equity to tangible assets (non-GAAP) (2) :

Regions Financial Corporation

(2) See reconciliation of GAAP to non-GAAP financial measures in the most recent 10-Q or 10-K.

(3) Dollars in millions.

2017 Regions Financial Corporation. All Rights reserved.


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