EXHIBIT 12

Regions Financial Corporation

Computation of Ratio of Earnings to Fixed Charges

(from continuing operations)

(Unaudited)

	Three Months Ended September 30				Nine Months Ended September 30
	2018		2017		2018		2017
	(Dollars in millions)
Excluding Interest on Deposits
Income from continuing operations before income taxes	$	455	$	450	$	1,464	$	1,319
Fixed charges excluding preferred stock dividends	105		68		285		197
Income for computation excluding interest on deposits	560		518		1,749		1,516
Interest expense excluding interest on deposits	92		55		244		157
One-third of rent expense	13		13		41		40
Preferred stock dividends	16		16		48		48
Fixed charges including preferred stock dividends	121		84		333		245
Ratio of earnings to fixed charges, excluding interest on deposits	4.61x		6.13x		5.25x		6.18x
Including Interest on Deposits
Income from continuing operations before income taxes	$	455	$	450	$	1,464	$	1,319
Fixed charges excluding preferred stock dividends	169		110		455		311
Income for computation including interest on deposits	624		560		1,919		1,630
Interest expense including interest on deposits	156		97		414		271
One-third of rent expense	13		13		41		40
Preferred stock dividends	16		16		48		48
Fixed charges including preferred stock dividends	185		126		503		359
Ratio of earnings to fixed charges, including interest on deposits	3.36x		4.43x		3.81x		4.54x