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

file	filename
EX-32 - EXHIBIT 32 - REGIONS FINANCIAL CORP	rf-2018331xex32.htm
EX-31.2 - EXHIBIT 31.2 - REGIONS FINANCIAL CORP	rf-2018331xex312.htm
EX-31.1 - EXHIBIT 31.1 - REGIONS FINANCIAL CORP	rf-2018331xex311.htm
10-Q - 10-Q - REGIONS FINANCIAL CORP	rf-201833110xq.htm

EXHIBIT 12

Regions Financial Corporation

Computation of Ratio of Earnings to Fixed Charges

(from continuing operations)

(Unaudited)



	Three Months Ended March 31
	2018		2017
	(Dollars in millions)
Excluding Interest on Deposits
Income from continuing operations before income taxes	$	542	$	420
Fixed charges excluding preferred stock dividends	86		64
Income for computation excluding interest on deposits	628		484
Interest expense excluding interest on deposits	73		50
One-third of rent expense	13		14
Preferred stock dividends	16		16
Fixed charges including preferred stock dividends	102		80
Ratio of earnings to fixed charges, excluding interest on deposits	6.16x		6.06x
Including Interest on Deposits
Income from continuing operations before income taxes	$	542	$	420
Fixed charges excluding preferred stock dividends	135		99
Income for computation including interest on deposits	677		519
Interest expense including interest on deposits	122		85
One-third of rent expense	13		14
Preferred stock dividends	16		16
Fixed charges including preferred stock dividends	151		115
Ratio of earnings to fixed charges, including interest on deposits	4.49x		4.54x

REGIONS FINANCIAL CORP - FORM 10-Q - EX-12 - EXHIBIT 12 - May 9, 2018