Regions Financial (RF) 10-Q 2016 Q2 Quarterly report

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
	2016		2015		2016		2015
	(Dollars in millions)
Excluding Interest on Deposits
Income from continuing operations before income taxes	$	387	$	413	$	773	$	744
Fixed charges excluding preferred stock dividends	65		51		126		108
Income for computation excluding interest on deposits	452		464		899		852
Interest expense excluding interest on deposits	50		36		97		79
One-third of rent expense	15		15		29		29
Preferred stock dividends	16		16		32		32
Fixed charges including preferred stock dividends	81		67		158		140
Ratio of earnings to fixed charges, excluding interest on deposits	5.62x		7.03x		5.70x		6.11x
Including Interest on Deposits
Income from continuing operations before income taxes	$	387	$	413	$	773	$	744
Fixed charges excluding preferred stock dividends	93		78		181		163
Income for computation including interest on deposits	480		491		954		907
Interest expense including interest on deposits	78		63		152		134
One-third of rent expense	15		15		29		29
Preferred stock dividends	16		16		32		32
Fixed charges including preferred stock dividends	109		94		213		195
Ratio of earnings to fixed charges, including interest on deposits	4.42x		5.26x		4.48x		4.65x