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

file	filename
EX-32 - EXHIBIT 32 - REGIONS FINANCIAL CORP	rf-20170331xex32.htm
EX-31.2 - EXHIBIT 31.2 - REGIONS FINANCIAL CORP	rf-20170331xex312.htm
EX-31.1 - EXHIBIT 31.1 - REGIONS FINANCIAL CORP	rf-20170331xex311.htm
EX-10.1 - EXHIBIT 10.1 - REGIONS FINANCIAL CORP	rf-20170331xex101.htm
10-Q - 10-Q - REGIONS FINANCIAL CORP	rf-2017033110xq.htm

EXHIBIT 12

Regions Financial Corporation

Computation of Ratio of Earnings to Fixed Charges

(from continuing operations)

(Unaudited)



	Three Months Ended March 31
	2017		2016
	(Dollars in millions)
Excluding Interest on Deposits
Income from continuing operations before income taxes	$	422	$	386
Fixed charges excluding preferred stock dividends	64		61
Income for computation excluding interest on deposits	486		447
Interest expense excluding interest on deposits	50		47
One-third of rent expense	14		14
Preferred stock dividends	16		16
Fixed charges including preferred stock dividends	80		77
Ratio of earnings to fixed charges, excluding interest on deposits	6.06x		5.79x
Including Interest on Deposits
Income from continuing operations before income taxes	$	422	$	386
Fixed charges excluding preferred stock dividends	99		88
Income for computation including interest on deposits	521		474
Interest expense including interest on deposits	85		74
One-third of rent expense	14		14
Preferred stock dividends	16		16
Fixed charges including preferred stock dividends	115		104
Ratio of earnings to fixed charges, including interest on deposits	4.54x		4.53x

REGIONS FINANCIAL CORP - FORM 10-Q - EX-12 - EXHIBIT 12 - May 5, 2017