EXHIBIT 12

Regions Financial Corporation

Computation of Ratio of Earnings to Fixed Charges

(from continuing operations)

(Unaudited)

	Three Months Ended March 31
	2015		2014
	(Dollars in millions)
Excluding Interest on Deposits
Income from continuing operations before income taxes	$	331	$	454
Fixed charges excluding preferred stock dividends	57		69
Income for computation excluding interest on deposits	388		523
Interest expense excluding interest on deposits	43		55
One-third of rent expense	14		14
Preferred stock dividends	16		8
Fixed charges including preferred stock dividends	73		77
Ratio of earnings to fixed charges, excluding interest on deposits	5.28x		6.77x
Including Interest on Deposits
Income from continuing operations before income taxes	$	331	$	454
Fixed charges excluding preferred stock dividends	85		96
Income for computation including interest on deposits	416		550
Interest expense including interest on deposits	71		82
One-third of rent expense	14		14
Preferred stock dividends	16		8
Fixed charges including preferred stock dividends	101		104
Ratio of earnings to fixed charges, including interest on deposits	4.10x		5.27x