EX-12 8 exhibit_12.txt EXHIBIT 12
COMPUTATION OF RATIOS OF EARNINGS TO FIXED CHARGES YEAR ENDED SEPTEMBER 30, (dollars in thousands) 2002 2001 2000 1999 1998 -------------------------------------------------------------------------------------------------- Income before taxes $578,275 $637,790 $739,591 $574,084 $676,284 Add fixed charges: Interest expense-excluding interest on deposits 18,108 21,336 22,580 26,989 35,247 Interest expense-deposits 9,812 10,768 2,742 3,622 5,102 Interest factor on rent 20,977 20,228 19,170 12,953 12,416 -------------------------------------------------------------------------------------------------- Total fixed charges $48,897 $52,332 $44,492 $43,564 $52,765 -------------------------------------------------------------------------------------------------- Earnings before fixed charges and taxes on income $627,172 $690,122 $784,083 $617,648 $729,049 -------------------------------------------------------------------------------------------------- Ratio of earnings to fixed charges- including interest on deposits 12.8 13.2 17.6 14.2 13.8 Ratio of earnings to fixed charges- excluding interest on deposits 15.8 16.0 18.7 15.4 15.2 --------------------------------------------------------------------------------------------------