EXHIBIT 12

Regions Financial Corporation

Computation of Ratio of Earnings to Fixed Charges

(from continuing operations)

(Unaudited)

	Three Months Ended September 30				Nine Months Ended September 30
	2017		2016		2017		2016
	(Dollars in millions)
Excluding Interest on Deposits
Income from continuing operations before income taxes	$	451	$	471	$	1,323	$	1,244
Fixed charges excluding preferred stock dividends	69		65		199		191
Income for computation excluding interest on deposits	520		536		1,522		1,435
Interest expense excluding interest on deposits	55		51		157		148
One-third of rent expense	14		14		42		43
Preferred stock dividends	16		16		48		48
Fixed charges including preferred stock dividends	85		81		247		239
Ratio of earnings to fixed charges, excluding interest on deposits	6.12x		6.63x		6.17x		6.02x
Including Interest on Deposits
Income from continuing operations before income taxes	$	451	$	471	$	1,323	$	1,244
Fixed charges excluding preferred stock dividends	111		96		313		277
Income for computation including interest on deposits	562		567		1,636		1,521
Interest expense including interest on deposits	97		82		271		234
One-third of rent expense	14		14		42		43
Preferred stock dividends	16		16		48		48
Fixed charges including preferred stock dividends	127		112		361		325
Ratio of earnings to fixed charges, including interest on deposits	4.43x		5.08x		4.54x		4.69x