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  "docSlug": "8f0d4c02f0588b85942b0a3c7bc40d06",
  "documentTitle": "Regions Financial Corporation | Results Presentation Deck | 38 slides",
  "authorId": "regions-financial-corporation",
  "authorName": "Regions",
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  "sourceTypeLabel": "Investor relations",
  "presentationDate": "2022-10-01 00:00:00",
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  "notes": "The chart uses a dual-axis approach to show NII (bars) and NIM/NIM-excl-PPP (lines).",
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      "kind": "chart",
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      "text": "In 3Q, deposit and cash balances remain elevated; expect normalization to continue at a modest pace; reported NIM and NIM excl. PPP/Cash expected to converge in 4Q",
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      "text": "No near-term expectation to need more costly wholesale funding sources",
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      "text": "PPP loans account for +1 bps NIM and $4M NII within the quarter (0 bps / -$4M QoQ)",
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      "text": "Excess cash accounts for -16 bps NIM and $69M NII (+23 bps / +$29M QoQ)",
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      "kind": "list",
      "text": "10% average cash-to-earning asset ratio positioned well/provides flexibility in navigating a rising rate environment",
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      "text": "PPP and cash account for -15 bps NIM and $73M NII within the quarter (+23 bps / +$25M QoQ)",
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      "kind": "source-note",
      "text": "(1) Net interest income (NII) and net interest margin (NIM) are reflected on a fully taxable-equivalent basis. (2) Non-GAAP; see appendix for reconciliation.",
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