{
  "docId": "019de073-d23c-7700-b150-13bdc637a4d3",
  "docSlug": "8f0d4c02f0588b85942b0a3c7bc40d06",
  "documentTitle": "Regions Financial Corporation | Results Presentation Deck | 38 slides",
  "authorId": "regions-financial-corporation",
  "authorName": "Regions",
  "documentKindSlug": "conference-presentation",
  "documentKindLabel": "Conference presentation",
  "sourceTypeSlug": "investor_relations",
  "sourceTypeLabel": "Investor relations",
  "presentationDate": "2022-10-01 00:00:00",
  "orientation": "landscape",
  "aspectRatio": 1.3333334,
  "pageNumber": 26,
  "pageCount": 38,
  "prevPage": 25,
  "nextPage": 27,
  "slideType": "kpi_overview",
  "function": "analyze_data",
  "density": "overcrowded",
  "nDataPoints": 25,
  "notes": "Includes portfolio-specific metrics like LTV, yield, and NCO, alongside a stacked bar chart for FICO score segmentation.",
  "elementsJson": null,
  "metadataConfidence": 1,
  "imagePath": null,
  "slideHref": "/slides/019de073-d23c-7700-b150-13bdc637a4d3/26",
  "deckHref": "/decks/019de073-d23c-7700-b150-13bdc637a4d3",
  "deckJsonHref": "/decks/019de073-d23c-7700-b150-13bdc637a4d3.json",
  "deckAnchorHref": "/decks/019de073-d23c-7700-b150-13bdc637a4d3#slide-26",
  "components": [
    {
      "bbox": {
        "h": 0.6,
        "w": 0.3,
        "x": 0.65,
        "y": 0.15
      },
      "kind": "chart",
      "text": "Consumer FICO Scores",
      "attrs": null,
      "subkind": "bar-stacked-100pct",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "5bf0d93a-f8de-437e-a7d7-f836b41e27dc",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.12,
        "w": 0.25,
        "x": 0.33,
        "y": 0.62
      },
      "kind": "list",
      "text": "Consumer - Exit Portfolios: Avg. origination FICO 752, 3Q22 Yield 5.72%, 3Q22 QTD NCO 2.13%",
      "attrs": null,
      "subkind": "bullet",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "40e4b84f-d05d-413c-9562-559818bff459",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.2,
        "w": 0.3,
        "x": 0.02,
        "y": 0.00165
      },
      "kind": "list",
      "text": "Consumer Credit Card: Avg. origination FICO 776, Avg. new line $6,367, 3Q22 Yield 13.79%, 3Q22 QTD NCO 2.39%",
      "attrs": null,
      "subkind": "bullet",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "4ef31ab4-17ed-4177-9cd2-e38a796a42ce",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.3,
        "w": 0.3,
        "x": 0.02,
        "y": 0.45
      },
      "kind": "list",
      "text": "Home Equity: Avg. origination FICO 748, Current LTV 34%, 71% of portfolio is 1st lien, Avg. loan size $35,788, $33M to convert to amortizing or balloon during 2022",
      "attrs": null,
      "subkind": "bullet",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "66032b67-7057-42f8-991f-0d484d866652",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.12,
        "w": 0.25,
        "x": 0.33,
        "y": 0.17
      },
      "kind": "list",
      "text": "Residential Mortgage: Avg. origination FICO 757, Current LTV 51%, 98% owner occupied",
      "attrs": null,
      "subkind": "bullet",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "69966420-be5b-4c21-b461-49f2a4b87a49",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.12,
        "w": 0.25,
        "x": 0.33,
        "y": 0.38
      },
      "kind": "list",
      "text": "Other Consumer: Avg. origination FICO 765, Avg. new loan $24,246, 3Q22 Yield 8.03%",
      "attrs": null,
      "subkind": "bullet",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "b83055a8-5427-4548-9103-ea140bc79b3b",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.03,
        "w": 0.6,
        "x": 0.02,
        "y": 0.95
      },
      "kind": "source-note",
      "text": "(1) Refreshed FICO scores as of 9/30/2022. (2) Other Consumer consists primarily of EnerBank and Direct portfolios",
      "attrs": null,
      "subkind": null,
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "faed449f-da1d-407c-934b-cdc0cc9cb218",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.05,
        "w": 0.6,
        "x": 0.02,
        "y": 0.05
      },
      "kind": "title",
      "text": "Consumer lending portfolio statistics",
      "attrs": null,
      "subkind": "headline",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "a5d1b599-782d-4d82-ba02-63cf50453174",
      "frameworkName": null,
      "frameworkSlug": null
    }
  ],
  "metrics": [],
  "tools": [
    {
      "name": "List presentation",
      "slug": "list-presentation",
      "agent": null,
      "layer": "slide",
      "matchId": "36c3e5cd-1a34-415f-8af4-31d3d8591192",
      "evidence": "The slide contains a list/bullet component with multiple items, indicating a list presentation.",
      "confidence": 0.9
    }
  ],
  "frameworks": [],
  "arcBeats": [
    {
      "to": 26,
      "from": 22,
      "beatId": "6ea89d95-6c05-43f3-8f3a-4a3b30bbf58c",
      "arcName": "Monroe's Motivated Sequence",
      "arcSlug": "monroes-sequence",
      "beatName": "Visualization",
      "beatSlug": "monroes-sequence-visualization",
      "evidence": "The presentation includes data and statistics on allowance for credit losses, consumer lending portfolio, and environmental, social & governance, helping the audience visualize the company's performance.",
      "position": 3,
      "confidence": 0.8,
      "parentBeatName": "Evidence",
      "parentBeatSlug": "evidence"
    }
  ],
  "loops": [
    {
      "to": 26,
      "from": 25,
      "name": "Cost Of Inaction",
      "slug": "27-cost-of-inaction",
      "bestFor": "Urgent budget requests, compliance, risk mitigation",
      "matchId": "766b7ff1-83d3-4554-ac12-24daf0540e2f",
      "evidence": "The presentation highlights the company's preparedness for the next downturn, implying the cost of inaction.",
      "position": 1,
      "objective": "What are the potential consequences of not being prepared for the next downturn?",
      "structure": "The Status Quo -> The Hidden Costs Accumulating -> The Future State of Inaction -> The Tipping Point",
      "confidence": 0.6,
      "description": "Quantify what happens if the audience does nothing"
    }
  ],
  "imagePathAlt": null,
  "thumbSrc": null,
  "thumbSrcAlt": null,
  "locked": true
}