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,
	2015			2014			2013			2012			2011			2010
Excluding interest on deposits (1)
Income before income taxes	$	303,316		$	394,940		$	341,980		$	321,540		$	265,871		$	172,014
Equity investee income	(14,070		)	(10,250		)	(16,650		)	(11,000		)	(12,720		)	(10,207		)
Equity investee distributions	8,432			14,468			9,698			8,234			9,428			8,084
Preferred dividends of consolidated subsidiaries	—			—			—			—			(2,885		)	(3,681		)
Fixed charges:
Interest expense (2)	26,558			40,565			44,466			41,881			36,831			52,036
Interest within rental expense	11,804			15,119			16,095			15,195			13,015			13,149
Preferred dividends of consolidated subsidiaries	—			—			—			—			2,885			3,681
Total fixed charges	38,362			55,684			60,561			57,076			52,731			68,866
Total earnings and fixed charges	$	336,040		$	454,842		$	395,589		$	375,850		$	312,425		$	235,076
Fixed charges, as above	$	38,362		$	55,684		$	60,561		$	57,076		$	52,731		$	68,866
Preferred stock dividends	21,112			28,150			16,547			—			—			3,008
Fixed charges including preferred stock dividends	$	59,474		$	83,834		$	77,108		$	57,076		$	52,731		$	71,874
Ratio of earnings to fixed charges and preferred stock dividend requirements	5.65			5.43			5.13			6.59			5.92			3.27
Including interest on deposits
Total earnings and fixed charges, as above	$	336,040		$	454,842		$	395,589		$	375,850		$	312,425		$	235,076
Add: Interest on deposits	5,676			8,271			11,114			14,042			33,685			49,030
Total earnings, fixed charges and interest on deposits	$	341,716		$	463,113		$	406,703		$	389,892		$	346,110		$	284,106
Fixed charges, including preferred stock dividends, as above	$	59,474		$	83,834		$	77,108		$	57,076		$	52,731		$	71,874
Add: Interest on deposits	5,676			8,271			11,114			14,042			33,685			49,030
Total fixed charges including preferred stock dividends and interest on deposits	$	65,150		$	92,105		$	88,222		$	71,118		$	86,416		$	120,904
Ratio of earnings to fixed charges and preferred stock dividend requirements	5.25			5.03			4.61			5.48			4.01			2.35

(1)Certain prior period amounts have been adjusted to reflect the adoption of ASU 2014-01. See Note 1, Summary of Significant Accounting Policies, of the Notes to the Unaudited Consolidated Financial Statements for further discussion.

(2)Includes interest expense on uncertain tax positions.