Exhibit 12.2

Combined Ratio of Earnings to Fixed Charges and Preferred Stock Dividend Requirements

	Six Months Ended June 30, 2016		Years Ended December 31,
(in millions, except ratios)			2015		2014		2013		2012		2011
Earnings:
Income from continuing operations before income tax expense	$	197.1	$	390.5	$	380.6	$	347.6	$	369.3	$	292.1
Fixed charges including interest on deposits		85.3		153.9		135.5		132.3		120.7		141.3
Earnings including interest on deposits		282.4		544.4		516.1		479.9		490.0		433.4
Less interest on deposits		50.6		95.5		80.9		81.1		90.8		107.4
Earnings excluding interest on deposits	$	231.8	$	448.9	$	435.2	$	398.8	$	399.2	$	326.0
Fixed charges:
Interest on deposits	$	50.6	$	95.5	$	80.9	$	81.1	$	90.8	$	107.4
Interest on borrowings		25.8		41.3		37.8		34.7		15.4		21.1
Estimated interest component of rent expense		8.9		17.1		16.8		16.5		14.5		12.8
Fixed charges including interest on deposits		85.3		153.9		135.5		132.3		120.7		141.3
Preferred stock dividend requirements		—		—		—		—		—		—
Combined fixed charges and preferred stock dividend requirements including interest on deposits		85.3		153.9		135.5		132.3		120.7		141.3
Less interest on deposits		50.6		95.5		80.9		81.1		90.8		107.4
Combined fixed charges and preferred stock dividend requirements excluding interest on deposits	$	34.7	$	58.4	$	54.6	$	51.2	$	29.9	$	33.9
Ratio of earnings to combined fixed charges and preferred stock dividend requirements:
Excluding interest on deposits		6.68		7.69		7.97		7.79		13.35		9.62
Including interest on deposits		3.31		3.54		3.81		3.63		4.06		3.07