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  "documentTitle": "Regions Financial Corporation | Results Presentation Deck | 38 slides",
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  "notes": "Includes waterfall chart for provision, bar-line combo charts for NCOs, ACL, and NPLs.",
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      "text": "Asset quality remains broadly stable; metrics in-line to slightly better than pre-pandemic levels. Excluding unsecured consumer loan sale impact, 3Q annualized adjusted NCOs increased 2 bps to 19 bps QoQ.",
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      "text": "(1) Non-GAAP; see appendix for reconciliation. (2) $94M reserve release less $63M fair value mark through charge-offs = $31M net provision benefit.",
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