REGIONS FINANCIAL CORP - FORM 10-Q - EX-12 - EXHIBIT 12

file	filename
EX-32 - EXHIBIT 32 - REGIONS FINANCIAL CORP	rf-20160331xex32.htm
EX-31.2 - EXHIBIT 31.2 - REGIONS FINANCIAL CORP	rf-20160331xex312.htm
EX-31.1 - EXHIBIT 31.1 - REGIONS FINANCIAL CORP	rf-20160331xex311.htm
10-Q - 10-Q - REGIONS FINANCIAL CORP	rf-2016033110xq.htm

EXHIBIT 12

Regions Financial Corporation

Computation of Ratio of Earnings to Fixed Charges

(from continuing operations)

(Unaudited)



	Three Months Ended March 31
	2016		2015
	(Dollars in millions)
Excluding Interest on Deposits
Income from continuing operations before income taxes	$	386	$	331
Fixed charges excluding preferred stock dividends	61		57
Income for computation excluding interest on deposits	447		388
Interest expense excluding interest on deposits	47		43
One-third of rent expense	14		14
Preferred stock dividends	16		16
Fixed charges including preferred stock dividends	77		73
Ratio of earnings to fixed charges, excluding interest on deposits	5.79x		5.28x
Including Interest on Deposits
Income from continuing operations before income taxes	$	386	$	331
Fixed charges excluding preferred stock dividends	88		85
Income for computation including interest on deposits	474		416
Interest expense including interest on deposits	74		71
One-third of rent expense	14		14
Preferred stock dividends	16		16
Fixed charges including preferred stock dividends	104		101
Ratio of earnings to fixed charges, including interest on deposits	4.53x		4.10x

REGIONS FINANCIAL CORP - FORM 10-Q - EX-12 - EXHIBIT 12 - May 6, 2016