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
	2013		2012		2013		2012
	(Dollars in millions)
Excluding Interest on Deposits
Income from continuing operations before income taxes	$	390	$	477	$	837	$	798
Fixed charges excluding preferred stock dividends and accretion	80		93		164		188
Income for computation excluding interest on deposits	470		570		1,001		986
Interest expense excluding interest on deposits	66		80		137		162
One-third of rent expense	14		13		27		26
Preferred stock dividends and accretion	8		71		16		125
Fixed charges including preferred stock dividends and accretion	88		164		180		313
Ratio of earnings to fixed charges, excluding interest on deposits	5.34x		3.48x		5.56x		3.15x
Including Interest on Deposits
Income from continuing operations before income taxes	$	390	$	477	$	837	$	798
Fixed charges excluding preferred stock dividends and accretion	113		169		239		352
Income for computation including interest on deposits	503		646		1,076		1,150
Interest expense including interest on deposits	99		156		212		326
One-third of rent expense	14		13		27		26
Preferred stock dividends and accretion	8		71		16		125
Fixed charges including preferred stock dividends and accretion	121		240		255		477
Ratio of earnings to fixed charges, including interest on deposits	4.16x		2.69x		4.22x		2.41x