Exhibit 12

Computation of Ratio of Earnings to Fixed Charges

and Preferred Stock Dividend Requirements

(in thousands, except ratios)

	Six Months
	Ended			Year Ended December 31,
	June 30, 2014			2013			2012			2011			2010			2009
Excluding interest on deposits
Income before income taxes	$	178,538		$	327,135		$	307,955		$	253,616		$	161,152		$	50,163
Equity investee income	(8,500		)	(16,650		)	(11,000		)	(12,720		)	(10,207		)	(3,545		)
Equity investee distributions	9,292			9,698			8,234			9,428			8,084			2,827
Preferred dividends of consolidated subsidiaries	—			—			—			(2,885		)	(3,681		)	(3,725		)
Fixed charges:
Interest expense (1)	22,000			44,466			41,881			36,831			52,036			24,319
Interest within rental expense	7,570			16,095			15,195			13,015			13,149			12,286
Preferred dividends of consolidated subsidiaries	—			—			—			2,885			3,681			3,725
Total fixed charges	$	29,570		$	60,561		$	57,076		$	52,731		$	68,866		$	40,330
Total earnings and fixed charges	$	208,900		$	380,744		$	362,265		$	300,170		$	224,214		$	86,050
Fixed charges, as above	$	29,570		$	60,561		$	57,076		$	52,731		$	68,866		$	40,330
Preferred stock dividends	14,076			16,547			—			—			3,008			34,285
Fixed charges including preferred stock dividends	$	43,646		$	77,108		$	57,076		$	52,731		$	71,874		$	74,615
Ratio of earnings to fixed charges and preferred stock dividend requirements	4.79			4.94			6.35			5.69			3.12			1.15
Including interest on deposits
Total earnings and fixed charges, as above	$	208,900		$	380,744		$	362,265		$	300,170		$	224,214		$	86,050
Add: Interest on deposits	4,194			11,114			14,042			33,685			49,030			60,429
Total earnings, fixed charges and interest on deposits	$	213,094		$	391,858		$	376,307		$	333,855		$	273,244		$	146,479
Fixed charges, including preferred stock dividends, as above	$	43,646		$	77,108		$	57,076		$	52,731		$	71,874		$	74,615
Add: Interest on deposits	4,194			11,114			14,042			33,685			49,030			60,429
Total fixed charges including preferred stock dividends and interest on deposits	$	47,840		$	88,222		$	71,118		$	86,416		$	120,904		$	135,044
Ratio of earnings to fixed charges and preferred stock dividend requirements	4.45			4.44			5.29			3.86			2.26			1.08

(1) Includes interest expense on uncertain tax positions.