EXHIBIT 12

Regions Financial Corporation

Computation of Ratio of Earnings to Fixed Charges

(from continuing operations)

(Unaudited)

	2014		2013		2012		2011		2010
	(Dollars in millions)
Excluding Interest on Deposits
Income (loss) from continuing operations before income taxes	$	1,599	$	1,587	$	1,661	$	161	$	(844	)
Fixed charges excluding preferred stock dividends and accretion	261		304		373		425		550
Income (loss) for computation excluding interest on deposits	1,860		1,891		2,034		586		(294		)
Interest expense excluding interest on deposits	204		249		319		370		493
One-third of rent expense	57		55		54		55		57
Preferred stock dividends and accretion	52		32		129		214		224
Fixed charges including preferred stock dividends and accretion	313		336		502		639		774
Ratio of earnings to fixed charges, excluding interest on deposits	5.95x		5.63x		4.05x		0.92x		(0.38)x
Including Interest on Deposits
Income (loss) from continuing operations before income taxes	$	1,599	$	1,587	$	1,661	$	161	$	(844	)
Fixed charges excluding preferred stock dividends and accretion	366		439		657		897		1,305
Income for computation including interest on deposits	1,965		2,026		2,318		1,058		461
Interest expense including interest on deposits	309		384		603		842		1,248
One-third of rent expense	57		55		54		55		57
Preferred stock dividends and accretion	52		32		129		214		224
Fixed charges including preferred stock dividends and accretion	418		471		786		1,111		1,529
Ratio of earnings to fixed charges, including interest on deposits	4.70x		4.30x		2.95x		0.95x		0.30x