EXHIBIT 12

Regions Financial Corporation

Computation of Ratio of Earnings to Fixed Charges

(from continuing operations)

(Unaudited)

	Three Months Ended March 31
	2014		2013
	(Dollars in millions)
Excluding Interest on Deposits
Income from continuing operations before income taxes	$	435	$	447
Fixed charges excluding preferred stock dividends and accretion	69		84
Income for computation excluding interest on deposits	504		531
Interest expense excluding interest on deposits	55		71
One-third of rent expense	14		13
Preferred stock dividends and accretion	8		8
Fixed charges including preferred stock dividends and accretion	77		92
Ratio of earnings to fixed charges, excluding interest on deposits	6.53x		5.77x
Including Interest on Deposits
Income from continuing operations before income taxes	$	435	$	447
Fixed charges excluding preferred stock dividends and accretion	96		126
Income for computation including interest on deposits	531		573
Interest expense including interest on deposits	82		113
One-third of rent expense	14		13
Preferred stock dividends and accretion	8		8
Fixed charges including preferred stock dividends and accretion	104		134
Ratio of earnings to fixed charges, including interest on deposits	5.10x		4.28x