Regions Bank 2009 Annual Report Download - page 8
Download and view the complete annual report
Please find page 8 of the 2009 Regions Bank annual report below. You can navigate through the pages in the report by either clicking on the pages listed below, or by using the keyword search tool below to find specific information within the annual report.-
1 -
2 -
3 -
4 -
5 -
6 -
7 -
8 -
9 -
10 -
11 -
12 -
13 -
14 -
15 -
16 -
17 -
18 -
19 -
20
-
21
-
22
-
23
-
24
-
25
-
26
-
27
-
28
-
29
-
30
-
31
-
32
-
33
-
34
-
35
-
36
-
37
-
38
-
39
-
40
-
41
-
42
-
43
-
44
-
45
-
46
-
47
-
48
-
49
-
50
-
51
-
52
-
53
-
54
-
55
-
56
-
57
-
58
-
59
-
60
-
61
-
62
-
63
-
64
-
65
-
66
-
67
-
68
-
69
-
70
-
71
-
72
-
73
-
74
-
75
-
76
-
77
-
78
-
79
-
80
-
81
-
82
-
83
-
84
-
85
-
86
-
87
-
88
-
89
-
90
-
91
-
92
-
93
-
94
-
95
-
96
-
97
-
98
-
99
-
100
-
101
-
102
-
103
-
104
-
105
-
106
-
107
-
108
-
109
-
110
-
111
-
112
-
113
-
114
-
115
-
116
-
117
-
118
-
119
-
120
-
121
-
122
-
123
-
124
-
125
-
126
-
127
-
128
-
129
-
130
-
131
-
132
-
133
-
134
-
135
-
136
-
137
-
138
-
139
-
140
-
141
-
142
-
143
-
144
-
145
-
146
-
147
-
148
-
149
-
150
-
151
-
152
-
153
-
154
-
155
-
156
-
157
-
158
-
159
-
160
-
161
-
162
-
163
-
164
-
165
-
166
-
167
-
168
-
169
-
170
-
171
-
172
-
173
-
174
-
175
-
176
-
177
-
178
-
179
-
180
-
181
-
182
-
183
-
184
-
185
-
186
-
187
-
188
-
189
-
190
-
191
-
192
-
193
-
194
-
195
-
196
-
197
-
198
-
199
-
200
-
201
-
202
-
203
-
204
-
205
-
206
-
207
-
208
-
209
-
210
-
211
-
212
-
213
-
214
-
215
-
216
-
217
-
218
-
219
-
220
 |
 |
LOOKING TO
THE FUTURE:
A Message from Grayson Hall
There’s no question that the fi nancial
services industry has learned some
tough lessons over the last two years. As
economic conditions continue to improve,
our team is prepared to move forward
to help our customers and communities
build a stronger economy.
As we begin 2010 in a new environment
for the industry, we are committed to
strengthening our fi nancial performance.
This improvement will come from
expanding our net interest margin through
improved pricing, low cost deposit growth,
implementing a best-in-class credit and
risk management program, and continued
focus on reducing critical exposures. In
addition, across every line of business,
associates have been challenged to
rigorously manage expenses and enhance
operating effi ciency.
We remain fi rmly committed to building
value for all our customers by providing
valuable products and services to meet
all the fi nancial needs of our customers
within Regions Bank, Morgan Keegan,
Regions Mortgage and Regions Insurance.
This attention to building broader and
more valuable relationships not only
improves our fi nancial performance, it
also allows us to meet a greater share of
our customers’ fi nancial needs. Without
a doubt, Regions’ measure of success
comes from an ability to attract, grow and
retain valuable customer relationships.
As we look to the future, we see that
consumers and businesses are returning to
the saving habits of an earlier generation
and are looking at their fi nancial situations
with new priorities. Americans will have
to work longer to replenish their savings,
and Regions is responding to this trend
with products and services designed to
help them save money. Our business will
continue to be built on the foundation of
serving customers and business owners
– helping them achieve their goals, turn
dreams into reality and create a brighter
future. Customers will always come fi rst
at Regions.
MESSAGE FROM GRAYSON HALL
REGIONS 2009 ANNUAL REPORT
6