EXHIBIT 12

Regions Financial Corporation

Computation of Ratio of Earnings to Fixed Charges

(from continuing operations)

(Unaudited)

	December 31
	2012		2011		2010			2009			2008
	(Dollars in millions)
Excluding Interest on Deposits
Income (loss) from continuing operations before income taxes	$	1,661	$	161	$	(844)		$	(1,268	)	$	(6,032	)
Fixed charges excluding preferred stock dividends and accretion		373		425		550			766			1,007
Income (loss) for computation excluding interest on deposits		2,034		586		(294	)		(502	)		(5,025	)
Interest expense excluding interest on deposits		319		370		493			707			953
One-third of rent expense		54		55		57			59			54
Preferred stock dividends and accretion		129		214		224			230			26
Fixed charges including preferred stock dividends		502		639		774			996			1,033
Ratio of earnings to fixed charges, excluding interest on deposits		4.05x		0.92x		(0.38	)x		(0.50	)x		(4.86	)x
Including Interest on Deposits
Income (loss) from continuing operations before income taxes	$	1,661	$	161	$	(844	)	$	(1,268	)	$	(6,032	)
Fixed charges excluding preferred stock dividends and accretion		657		897		1,305			2,043			2,731
Income (loss) for computation including interest on deposits		2,318		1,058		461			775			(3,301	)
Interest expense including interest on deposits		603		842		1,248			1,984			2,677
One-third of rent expense		54		55		57			59			54
Preferred stock dividends and accretion		129		214		224			230			26
Fixed charges including preferred stock dividends		786		1,111		1,529			2,273			2,757
Ratio of earnings to fixed charges, including interest on deposits		2.95x		0.95x		0.30x			0.34x			(1.20	)x