O.B. Grayson Hall has his work cut out for him as the incoming chief executive of struggling Regions Financial Corp.

Hall is to succeed C. Dowd Ritter on March 31, but he drew the spotlight early as Ritter turned over most of the fourth-quarter results conference call Tuesday to the current chief operating officer. Though Hall vowed no major change in strategy, he did outline a three-part plan for returning to profitability.

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