EXHIBIT 12

Regions Financial Corporation

Computation of Ratio of Earnings to Fixed Charges

(from continuing operations)

(Unaudited)

	Three Months Ended March 31
	2013		2012
	(Dollars in millions)
Excluding Interest on Deposits
Income from continuing operations before income taxes	$	447	$	321
Fixed charges excluding preferred stock dividends and accretion	84		98
Income for computation excluding interest on deposits	531		419
Interest expense excluding interest on deposits	71		82
One-third of rent expense	13		16
Preferred stock dividends and accretion	8		54
Fixed charges including preferred stock dividends and accretion	92		152
Ratio of earnings to fixed charges, excluding interest on deposits	5.77x		2.76x
Including Interest on Deposits
Income from continuing operations before income taxes	$	447	$	321
Fixed charges excluding preferred stock dividends and accretion	126		186
Income for computation including interest on deposits	573		507
Interest expense including interest on deposits	113		170
One-third of rent expense	13		16
Preferred stock dividends and accretion	8		54
Fixed charges including preferred stock dividends and accretion	134		240
Ratio of earnings to fixed charges, including interest on deposits	4.28x		2.11x