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
	2017		2016		2017		2016
	(Dollars in millions)
Excluding Interest on Deposits
Income from continuing operations before income taxes	$	450	$	387	$	872	$	773
Fixed charges excluding preferred stock dividends	65		65		130		126
Income for computation excluding interest on deposits	515		452		1,002		899
Interest expense excluding interest on deposits	52		50		102		97
One-third of rent expense	14		15		28		29
Preferred stock dividends	16		16		32		32
Fixed charges including preferred stock dividends	82		81		162		158
Ratio of earnings to fixed charges, excluding interest on deposits	6.34x		5.62x		6.20x		5.70x
Including Interest on Deposits
Income from continuing operations before income taxes	$	450	$	387	$	872	$	773
Fixed charges excluding preferred stock dividends	103		93		202		181
Income for computation including interest on deposits	553		480		1,074		954
Interest expense including interest on deposits	89		78		174		152
One-third of rent expense	14		15		28		29
Preferred stock dividends	16		16		32		32
Fixed charges including preferred stock dividends	119		109		234		213
Ratio of earnings to fixed charges, including interest on deposits	4.65x		4.42x		4.60x		4.48x