Exhibit 12

Computation of Ratio of Earnings to Fixed Charges

and Preferred Stock Dividend Requirements

(in thousands, except ratios)

	Nine Months
	Ended
	September 30,			Year Ended December 31,
	2013			2012			2011			2010			2009			2008
Excluding interest on deposits
Income before income taxes	$	250,289		$	307,955		$	253,616		$	161,152		$	50,163		$	157,739
Equity investee income	(12,100		)	(11,000		)	(12,720		)	(10,207		)	(3,545		)	(3,633		)
Equity investee distributions	7,091			8,234			9,428			8,084			2,827			3,914
Preferred dividends of consolidated subsidiaries	—			—			(2,885		)	(3,681		)	(3,725		)	(3,145		)
Fixed charges:
Interest expense (1)	33,358			41,881			36,831			52,036			24,319			62,958
Interest within rental expense	12,051			15,195			13,015			13,149			12,286			11,913
Preferred dividends of consolidated subsidiaries	—			—			2,885			3,681			3,725			3,145
Total fixed charges	$	45,409		$	57,076		$	52,731		$	68,866		$	40,330		$	78,016
Total earnings and fixed charges	$	290,689		$	362,265		$	300,170		$	224,214		$	86,050		$	232,891
Fixed charges, as above	$	45,409		$	57,076		$	52,731		$	68,866		$	40,330		$	78,016
Preferred stock dividends	12,410			—			—			3,008			34,285			3,225
Fixed charges including preferred stock dividends	$	57,819		$	57,076		$	52,731		$	71,874		$	74,615		$	81,241
Ratio of earnings to fixed charges and preferred stock dividend requirements	5.03			6.35			5.69			3.12			1.15			2.87
Including interest on deposits
Total earnings and fixed charges, as above	$	290,689		$	362,265		$	300,170		$	224,214		$	86,050		$	232,891
Add: Interest on deposits	8,856			14,042			33,685			49,030			60,429			122,990
Total earnings, fixed charges and interest on deposits	$	299,545		$	376,307		$	333,855		$	273,244		$	146,479		$	355,881
Fixed charges, including preferred stock dividends, as above	$	57,819		$	57,076		$	52,731		$	71,874		$	74,615		$	81,241
Add: Interest on deposits	8,856			14,042			33,685			49,030			60,429			122,990
Total fixed charges including preferred stock dividends and interest on deposits	$	66,675		$	71,118		$	86,416		$	120,904		$	135,044		$	204,231
Ratio of earnings to fixed charges and preferred stock dividend requirements	4.49			5.29			3.86			2.26			1.08			1.74

(1) Includes interest expense on uncertain tax positions.