EXHIBIT 12

Regions Financial Corporation

Computation of Ratio of Earnings to Fixed Charges

(from continuing operations)

(Unaudited)

	Three Months Ended June 30				Six Months Ended June 30
	2014		2013		2014		2013
	(Dollars in millions)
Excluding Interest on Deposits
Income from continuing operations before income taxes	$	424	$	390	$	859	$	837
Fixed charges excluding preferred stock dividends	66		80		135		164
Income for computation excluding interest on deposits	490		470		994		1,001
Interest expense excluding interest on deposits	52		66		107		137
One-third of rent expense	14		14		28		27
Preferred stock dividends and accretion	8		8		16		16
Fixed charges including preferred stock dividends	74		88		151		180
Ratio of earnings to fixed charges, excluding interest on deposits	6.64x		5.34x		6.59x		5.56x
Including Interest on Deposits
Income from continuing operations before income taxes	$	424	$	390	$	859	$	837
Fixed charges excluding preferred stock dividends	91		113		187		239
Income for computation including interest on deposits	515		503		1,046		1,076
Interest expense including interest on deposits	77		99		159		212
One-third of rent expense	14		14		28		27
Preferred stock dividends and accretion	8		8		16		16
Fixed charges including preferred stock dividends	99		121		203		255
Ratio of earnings to fixed charges, including interest on deposits	5.22x		4.16x		5.16x		4.22x