Regional Management Corp. Investor Presentation

This filing contains an investor presentation by Regional Management Corp. (the "Company") dated September 17, 2026. It provides an overview of the Company's business, financial performance, and strategic initiatives. The Company operates as a diversified consumer finance company under the name "Regional Finance," offering installment loans to a customer base underserved by traditional financial institutions. The presentation highlights a strong balance sheet, growth strategies focused on market and product expansion, digital infrastructure, and advanced analytics, including AI. Key investment highlights include a robust balance sheet supporting capital returns, omni-channel growth strategy, responsible growth with stable credit using advanced tools, modern infrastructure, experienced management, and operating leverage. The company targets a large, underserved non-prime market with a $100 billion opportunity, of which it holds approximately 2%. Their multi-channel customer acquisition strategy includes branches, direct mail, and digital channels, with a focus on both small and large loans. Customer service is emphasized, with a high Net Promoter Score and positive ratings for their loan process and staff. Financially, the Company reports responsible and profitable portfolio growth, improving operating leverage, and continuous improvements in credit quality and operational efficiency. They highlight a strong funding profile with significant unused capacity and a high percentage of fixed-rate debt. The presentation also details their accelerated innovation, including end-to-end digital lending and the use of machine learning, as well as their expansion strategy through partnerships and entering new states like Florida. The management team's extensive experience in consumer finance is also showcased.