2023 Fourth Quarter Investor Presentation
Growing Our Local Advantage through an Enhanced
Regional Banking Model
2023 Regional Banking Enhancements
Regional P&L accountability
Eliminated dotted
lines, bankers report
to their region
Regional President
Strong alignment
with Commercial
middle market
Raised segmentation to
$2M-$50M
(lower middle market)
Aligned leadership
across all lines of
business
Aligned goals &
incentives for key
referral partnerships
Controlled regional
credit & pricing
authorities
National Specialty Coverage
Note: BDO - Business Development Office
Regional Banking
National Accounts
Local BDOS
Limited Coverage
Regional Banking Model brings localized delivery
and service differentiation, building on Strong
Local Advantage in existing geographies
Reorganization is more cost efficient and better
aligns customer facing colleagues to revenue
synergies from existing interactions
Regional model has been recently applied to
acquired growth markets that present short term
upside
Leverages National Franchise Businesses
(SBA, Practice Finance, Consumer Finance) and
enables optionality to redeploy model in expanded
geographies
Gives us the right organization to drive scale in
business banking, wealth, and insurance to
support continued strong fee income growth
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