Exhibit 12.2

Ratio of Earnings to Fixed Charges and Preferred Stock Dividends	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 and preferred stock dividends	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
Preferred stock dividends	31,873			31,854			31,869			31,989			30,813
Total fixed charges, excluding interest on deposits	131,486			102,546			88,896			106,368			127,848
Add: Interest on deposits	82,174			86,453			116,241			162,167			260,051
Total fixed charges, including interest on deposits	$	213,660		$	188,999		$	205,137		$	268,535		$	387,899
Ratio of Earnings to Fixed Charges and Preferred Stock Dividends
Excluding interest on deposits	7.71		X	9.01		X	10.41		X	8.54		X	6.38
Including interest on deposits	5.13		X	5.34		X	5.08		X	3.99		X	2.77