Exhibit 12.1

Computation of Ratios of Earnings to Fixed Charges
	For the year ended December 31,
(dollars in millions)	2017		2016		2015		2014			2013 (a)
Earnings:
Income before income taxes	$	1,234	$	670	$	750	$	870		$	786
Less:
Interest and penalties on tax liabilities	4		3		1		(4		)	(1		)
Income before income taxes after interest on tax liabilities	1,230		667		749		874			787
Plus:
Fixed charges	144		135		118		122			136
Earnings, including interest on deposits	1,374		802		867		996			923
Less:
Interest on deposits	42		40		43		45			55
Earnings, excluding interest on deposits	$	1,332	$	762	$	824	$	951		$	868
Fixed charges:
Interest expense	$	121	$	112	$	95	$	95		$	112
Interest portion of rental expense	23		23		23		27			24
Total fixed charges	144		135		118		122			136
Less:
Interest on deposits	42		40		43		45			55
Total fixed charges, excluding interest on deposits	$	102	$	95	$	75	$	77		$	81
Earnings to fixed charges:
Excluding interest on deposits	13.03x		7.94x		10.87x		12.42x			10.73x
Including interest on deposits	9.53x		5.94x		7.31x		8.21x			6.81x

(a) Prior period balances have been adjusted for the Q1 2014 adoption of ASU 2014-01.