Regions Financial delivered a record year in 2024, underpinned by diverse fee-generating businesses (Capital Markets, Treasury Management, Wealth Management) and a resilient balance sheet. In Q4 2024, revenue was $2.387 billion with net income of $534 million and EPS of $0.56, marking YoY improvements of ~4% in revenue and ~44% in EPS. The company benefited from a robust deposit franchise, a modest 1% QoQ rise in net interest income (NII), and a 1 basis point expansion in NIM to 3.55%, despite elevated cash balances and hedging dynamics. Management anchored the full-year 2025 outlook on NII growth of 2–5%, adjusted non-interest income growth of 2–4%, and adjusted non-interest expenses up 1–3%, with an objective of positive operating leverage over time. Regions also highlighted a strategic capital plan that balances growth, dividends, and buybacks, while managing capital volatility via AOCI and asset reallocation (notably moving $2B of securities to HTM). The trajectory remains constructive but tempered by higher-than-average credit provisions in 2025 and ongoing regulatory capital considerations.