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Regions 2020 Annual Review and ESG Report

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Regions 2020 Annual Review and ESG Report Consistent, Sustainable, Long-Term Performance Made Simple 2020 Annual Review & ESG Report Regions 2020 Annual Principles of Review & ESG Report Introduction Business Governance Planet People Prosperity Appendix 2 About This Report Contents Regions’ Annual Review & Environmental, Social, and Governance (ESG) Report provides details on Regions’ Business ...............................5 People ...................................57 financial and ESG performance in a combined document to better meet the needs of our stakeholders, in particular Principles of Prosperity .............................79 the investment community. Regions uses the Global Governance ..........................14 Reporting Initiative (GRI) framework, along with broader Appendix ..............................91 concepts from guidelines and frameworks established Planet ....................................45 by other standards-setting organizations, such as the World Economic Forum (WEF), to guide the content of this report. An index indicating where our Company’s reports and disclosures, including this report, align with the GRI Contact Us framework can be found in the Appendix to this document. With teams across the Company dedicated to maintaining relationships, we interact with several stakeholder groups on a regular basis, responding to the issues and concerns brought to our The goals discussed in our ESG disclosures are aspirational; attention. If you would like to provide us with feedback, here are a few ways to contact us: as such, no guarantees or promises are made that these goals Regions Financial Corporation will be met. Furthermore, statistics and metrics included in 1900 Fifth Avenue North Social Media these disclosures are estimates; they may also be based on Birmingham, Alabama 35203 @askRegions assumptions. This report uses certain terms, including those @RegionsNews that the GRI Guidelines refer to as “material” topics, to reflect Chief Governance Officer the issues of greatest importance to Regions and our Attention: Chief Governance Officer [email protected] Regions Bank stakeholders. Used in this context, these terms are distinct from, and should not be confused with, the terms “material” Investor Relations and “materiality” as defined by or construed in accordance Attention: Investor Relations Regions Bank with securities law or as used in the context of financial [email protected] statements and reporting. Board of Directors c/o Office of the Corporate Secretary This report is not comprehensive and, for that reason, it should Attention: Charles D. McCrary, Independent Chair of the Board be read in conjunction with our 2020 Annual Report on Form [email protected] 10-K (particularly the “Forward-Looking Statements” and “Risk Office of Customer Satisfaction Factors” sections) and our Quarterly Report on Form 10-Q © 2021 Regions Bank. Regions®, the Regions logo, Attention: Office of Customer Satisfaction (particularly the “Forward-Looking Statements” section), 2021 and the LifeGreen bike are registered trademarks of [email protected] Regions Bank. The LifeGreen color is a trademark of Proxy Statement, 2020 Task Force on Climate-related Financial Regions Bank. Other words or symbols in this report Disclosures (TCFD) Report, 2020 Community Engagement Media Relations that identify other parties’ goods or services may be Report, 2021 CDP (formerly the Carbon Disclosure Project) 1-205-264-4551 trademarks or service marks of those other parties. Climate Change Questionnaire Response, and our forthcoming Customer Service The terms “Regions,” the “Company,” “we,” “us” 2019-2020 Sustainability Accounting Standards Board 1-800-REGIONS (734-4667) and “our” as used herein refer collectively to Regions (SASB) Disclosure, which we anticipate releasing before the Financial Corporation, a Delaware corporation, end of 2021. All aforementioned documents can be found at together with its subsidiaries, including Regions Bank (the Bank), when or where appropriate. ir.regions.com/governance. Regions 2020 Annual Principles of Review & ESG Report Introduction Business Governance Planet People Prosperity Appendix 3 Consistent, Sustainable, Long-Term Performance Made Simple Whether serving customers, protecting the environment, or creating value for shareholders, simplification is key. Top Talent. We build the best team through: Internal mobility strategies that promote development opportunities and career growth for all associates. Strategic partnerships with 10 Historically Black Colleges and Universities (HBCUs) to increase our pipeline of diverse talent. 10 associate Diversity Networks that foster inclusion, connectivity, and collaboration across the Company. High Tech, High Touch. We evolve our approach to meet tomorrow’s customer needs by: Investing in artificial intelligence and data and analytics that deliver efficiency and personalization. Enhancing technology at ATMs, on mobile and online banking platforms, at the branch, and through call centers to make interactions increasingly seamless, smooth, fast, and secure. Equipping associates with the right knowledge and training to empower them to deliver trusted advice and personalized solutions. Regions 2020 Annual Principles of Review & ESG Report Introduction Business Governance Planet People Prosperity Appendix 4 Greener Banking. Our commitment to operate sustainably means we: Saved $91 million in energy costs since 2008 through energy efficiency initiatives. Have already met our 2023 operational emissions goal and now pledge to reduce gross Scope 1 and Scope 2 location-based greenhouse gas emissions by 50% by 2030, against a 2019 base year. Implement continuous resource conservation and waste reduction strategies in our operations. Good Deeds. We help the communities we serve stay vibrant, resilient, and strong by: Committing $12 million over two years to advance programs and initiatives that A Can-Do Attitude. promote racial equity and economic empowerment for communities of color, We cultivate a culture that is focused on specifically focused on advancing minority business development, increasing continuous improvement every day, resulting in: homeownership, reducing the digital divide in underserved communities, and promoting racial understanding. Top total shareholder returns and strong financial results, demonstrated by 7% revenue Establishing and funding the Regions Community Development Corporation (RCDC), growth in 2020 despite the challenging year. which will provide debt and/or equity financing for projects and entities with a community development purpose. Our best operating performance in over a decade, generating record pre-tax, Disbursing $20.5 million in grants and contributions from Regions Bank and the ® pre-provision income in 2020. Regions Foundation . The completion of 48 continuous improvement initiatives focused on revenue generation or expense savings. Regions 2020 Annual Principles of Review & ESG Report Introduction Business Governance Planet People Prosperity Appendix 5 CEO Message To our shareholders, customers, We invested in our communities: Regions’ during uncertain times, providing trusted advice and unique footprint boasts geographic diversity personalized solutions, and coupling “high-touch” associates, and communities: 2020 that couples stable funding and profitability from customer service with technology that addressed their was a year like no other in recent our core markets with growth opportunities in financial needs. While some competitors have greater times. Disruption, change, volatility— new markets. Our growth initiatives are targeted scale, this alone does not build relationships that earn toward high-potential, priority markets, and our customer loyalty, trust, and confidence. Last year everyone felt the uncertainty, investments there help drive our growth strategy. Regions associates continued to carry out their work individuals and businesses alike. with the mindset that every point of contact, whether through digital, the contact center, or in a branch, Despite these unprecedented events, there were We were there when it mattered in 2020, whether big presents a valuable new opportunity to offer solutions, specific things that did not change. Our mission moments or small touchpoints. And that’s what it’s discover unmet needs, and build deeper relationships and purpose, underscored by our values, remained all about—developing relationships with our with our customers. steadfast. We continue to execute our shared value stakeholders and delivering on our purpose to create approach where our business decisions reflect the shared value for all of them. In my letter last year, I needs of our shareholders, customers, associates, noted that we must focus on the things we can and communities. control because, in any given year, there is much in our operating environment that lies outside our We provided value to our shareholders: During control. When I wrote those words, I could never a year of unprecedented stress and uncertainty, have imagined that 2020 would bring a global health we produced our best adjusted pre-tax pre- crisis and widespread social and racial unrest. The provision income1 in over a decade. supercharged political climate heightened the intensity We were there for our customers: We across the country as well. All of these factors had… keep pace with a rapidly changing business and continue to have…a profound impact. environment by thinking from the customers’ perspective, anticipating their needs, and finding
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