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
	2015		2014		2015		2014
	(Dollars in millions)
Excluding Interest on Deposits
Income from continuing operations before income taxes	$	413	$	443	$	744	$	897
Fixed charges excluding preferred stock dividends	51		66		108		135
Income for computation excluding interest on deposits	464		509		852		1,032
Interest expense excluding interest on deposits	36		52		79		107
One-third of rent expense	15		14		29		28
Preferred stock dividends	16		8		32		16
Fixed charges including preferred stock dividends	67		74		140		151
Ratio of earnings to fixed charges, excluding interest on deposits	7.03x		6.91x		6.11x		6.84x
Including Interest on Deposits
Income from continuing operations before income taxes	$	413	$	443	$	744	$	897
Fixed charges excluding preferred stock dividends	78		91		163		187
Income for computation including interest on deposits	491		534		907		1,084
Interest expense including interest on deposits	63		77		134		159
One-third of rent expense	15		14		29		28
Preferred stock dividends	16		8		32		16
Fixed charges including preferred stock dividends	94		99		195		203
Ratio of earnings to fixed charges, including interest on deposits	5.26x		5.42x		4.65x		5.35x