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
	2015		2014		2015		2014
	(Dollars in millions)
Excluding Interest on Deposits
Income from continuing operations before income taxes	$	378	$	468	$	1,122	$	1,365
Fixed charges excluding preferred stock dividends	52		64		160		199
Income for computation excluding interest on deposits	430		532		1,282		1,564
Interest expense excluding interest on deposits	38		50		117		157
One-third of rent expense	14		14		43		42
Preferred stock dividends	16		20		48		36
Fixed charges including preferred stock dividends	68		84		208		235
Ratio of earnings to fixed charges, excluding interest on deposits	6.32x		6.34x		6.18x		6.66x
Including Interest on Deposits
Income from continuing operations before income taxes	$	378	$	468	$	1,122	$	1,365
Fixed charges excluding preferred stock dividends	79		90		242		277
Income for computation including interest on deposits	457		558		1,364		1,642
Interest expense including interest on deposits	65		76		199		235
One-third of rent expense	14		14		43		42
Preferred stock dividends	16		20		48		36
Fixed charges including preferred stock dividends	95		110		290		313
Ratio of earnings to fixed charges, including interest on deposits	4.80x		5.06x		4.70x		5.25x