Exhibit 12.1

Ratio of Earnings to Fixed Charges	Twelve Months Ended December 31,
	2015			2014			2013			2012			2011
(dollar amounts in thousands of dollars)
Earnings:
Income before income taxes	$	913,605		$	852,985		$	868,756		$	833,581		$	718,928
Add: Fixed charges, excluding interest on deposits	99,613			70,692			57,027			74,379			97,035
Earnings available for fixed charges, excluding interest on deposits	1,013,218			923,677			925,783			907,960			815,963
Add: Interest on deposits	82,174			86,453			116,241			162,167			260,051
Earnings available for fixed charges, including interest on deposits	$	1,095,392		$	1,010,130		$	1,042,024		$	1,070,127		$	1,076,014
Fixed Charges:
Interest expense, excluding interest on deposits	$	81,610		$	52,868		$	39,788		$	57,572		$	81,004
Interest factor in net rental expense	18,003			17,824			17,239			16,807			16,031
Total fixed charges, excluding interest on deposits	99,613			70,692			57,027			74,379			97,035
Add: Interest on deposits	82,174			86,453			116,241			162,167			260,051
Total fixed charges, including interest on deposits	$	181,787		$	157,145		$	173,268		$	236,546		$	357,086
Ratio of Earnings to Fixed Charges
Excluding interest on deposits	10.17		X	13.07		X	16.23		X	12.21		X	8.41
Including interest on deposits	6.03		X	6.43		X	6.01		X	4.52		X	3.01