Regions Financial (RF) is upbeat about its lending prospects and an anticipated turnaround after several years of negative loan growth. But other banks, including BB&T (BBT) and U.S. Bancorp (USB), are less sanguine, with executives pointing to signs of slower loan growth in the first quarter.

Regions, based in Birmingham, Ala., is poised for positive single-digit growth in credit cards, indirect auto lending and commercial and industrial lending to upper middle market companies, chief financial officer David Turner said Wednesday. A key driver for Regions is the deliberate and dramatic shrinkage of its $1 billion investor real estate portfolio, including $400 million in non-performing loans, the bulk of which is expected to run off in the first half.

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