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Exhibit 12

Computation of Ratio of Earnings to Fixed Charges
and Preferred Stock Dividend Requirements
(in thousands, except ratios)

			Year Ended December 31,
			2008			2007			2006			2005			2004
Excluding interest on deposits
Income before income taxes			$	152,361		$	353,373		$	366,886		$	376,556		$	329,751
Minority interest expense				5,378			8,856			5,958			5,675			4,992
Equity investee income				(3,633	)		(6,983	)		(5,647	)		(2,068	)		(1,168	)
Equity investee distributions				3,914			6,629			4,844			2,234			1,337
Preferred dividends of consolidated subsidiaries				(3,145	)		(3,434	)		(3,407	)		(3,478	)		(3,462	)
Fixed charges:
	Interest expense (1)			62,958			72,416			63,700			32,712			16,607
	Interest within rental expense			11,913			10,300			9,644			8,439			8,535
	Preferred dividends of consolidated subsidiaries			3,145			3,434			3,407			3,478			3,462
		Total fixed charges	$	78,016		$	86,150		$	76,751		$	44,629		$	28,604
Total earnings and fixed charges			$	232,891		$	444,591		$	445,385		$	423,548		$	360,054
Fixed charges, as above			$	78,016		$	86,150		$	76,751		$	44,629		$	28,604
Preferred stock dividends				3,225			—			—			—			—
Fixed charges including preferred stock dividends			$	81,241		$	86,150		$	76,751		$	44,629		$	28,604
Ratio of earnings to fixed charges and preferred stock dividend requirements				2.87			5.16			5.80			9.49			12.59
Including interest on deposits
Total earnings and fixed charges, as above			$	232,891		$	444,591		$	445,385		$	423,548		$	360,054
Add: Interest on deposits				122,990			214,680			159,024			76,045			44,258
	Total earnings, fixed charges and interest on deposits		$	355,881		$	659,271		$	604,409		$	499,593		$	404,312
Fixed charges, including preferred stock dividends, as above			$	81,241		$	86,150		$	76,751		$	44,629		$	28,604
Add: Interest on deposits				122,990			214,680			159,024			76,045			44,258
	Total fixed charges including preferred stock dividends and interest on deposits		$	204,231		$	300,830		$	235,775		$	120,674		$	72,862
Ratio of earnings to fixed charges and preferred stock dividend requirements				1.74			2.19			2.56			4.14			5.55

(1)

Includes interest expense on uncertain tax positions

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Exhibit 12

Computation of Ratio of Earnings to Fixed Charges and Preferred Stock Dividend Requirements (in thousands, except ratios)