Investor Presentaiton
.
•
Significant Market Opportunity to Serve the Underserved
REGIONAL
MANAGEMENT
Approximately 80 million Americans generally align with Regional's customer base
$82 billion market opportunity - RM has less than 2% market share; significant runway for growth
$4.1 Trillion Consumer Finance Market (1)
Personal Installment Loans Account for ~$82 billion (2)
Student Loans
37%
31% of US Population with FICO Between 550 & 700
300-499
4%
500-549
7%
800-850
22%
Auto Loans
33%
Personal Installment
Loans 2%
Other
7%
Credit Cards
21%
750-799
20%
700-749
16%
550-599
8%
(1) Sourced from Federal Reserve Bank of New York; 3Q 2019 Quarterly Report on Household Debt and Credit; excludes residential mortgage and home equity revolving credit
(2) Sourced from Equifax US National Consumer Credit Trends Report; November 2019, sourced from December 2019 publication
600-649
10%
650-699
13%
10
10View entire presentation