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
	2018		2017		2018		2017
	(Dollars in millions)
Excluding Interest on Deposits
Income from continuing operations before income taxes	$	467	$	449	$	1,009	$	869
Fixed charges excluding preferred stock dividends	94		65		180		129
Income for computation excluding interest on deposits	561		514		1,189		998
Interest expense excluding interest on deposits	79		52		152		102
One-third of rent expense	15		13		28		27
Preferred stock dividends	16		16		32		32
Fixed charges including preferred stock dividends	110		81		212		161
Ratio of earnings to fixed charges, excluding interest on deposits	5.12x		6.35x		5.62x		6.21x
Including Interest on Deposits
Income from continuing operations before income taxes	$	467	$	449	$	1,009	$	869
Fixed charges excluding preferred stock dividends	151		102		286		201
Income for computation including interest on deposits	618		551		1,295		1,070
Interest expense including interest on deposits	136		89		258		174
One-third of rent expense	15		13		28		27
Preferred stock dividends	16		16		32		32
Fixed charges including preferred stock dividends	167		118		318		233
Ratio of earnings to fixed charges, including interest on deposits	3.72x		4.66x		4.08x		4.60x