EXHIBIT 12

Regions Financial Corporation

Computation of Ratio of Earnings to Fixed Charges

(from continuing operations)

(Unaudited)

	2017		2016		2015		2014		2013
	(Dollars in millions)
Excluding Interest on Deposits
Income from continuing operations before income taxes	$	1,871	$	1,672	$	1,530	$	1,682	$	1,665
Fixed charges excluding preferred stock dividends	273		253		217		261		304
Income for computation excluding interest on deposits	2,144		1,925		1,747		1,943		1,969
Interest expense excluding interest on deposits	217		196		159		204		249
One-third of rent expense	56		57		58		57		55
Preferred stock dividends	64		64		64		52		32
Fixed charges including preferred stock dividends	337		317		281		313		336
Ratio of earnings to fixed charges, excluding interest on deposits	6.37x		6.08x		6.21x		6.22x		5.86x
Including Interest on Deposits
Income from continuing operations before income taxes	$	1,871	$	1,672	$	1,530	$	1,682	$	1,665
Fixed charges excluding preferred stock dividends	429		370		326		366		439
Income for computation including interest on deposits	2,300		2,042		1,856		2,048		2,104
Interest expense including interest on deposits	373		313		268		309		384
One-third of rent expense	56		57		58		57		55
Preferred stock dividends	64		64		64		52		32
Fixed charges including preferred stock dividends	493		434		390		418		471
Ratio of earnings to fixed charges, including interest on deposits	4.67x		4.71x		4.76x		4.90x		4.47x