Exhibit 12.2

Ratio of Earnings to Fixed Charges and Preferred Stock Dividends

	(Unaudited)
	Six Months Ended
	June 30,						Twelve Months Ended December 31,
(in thousands of dollars)	2010			2009			2009			2008			2007			2006			2005
Earnings:
Income (loss) before income taxes	$	63,727		$	(2,822,844	)	$	(3,678,183	)	$	(296,008	)	$	22,643		$	514,061		$	543,574
Add: Fixed charges, excluding interest on deposits and preferred stock dividends		53,569			89,364			155,269			351,672			431,320			345,253			243,239
Earnings available for fixed charges, excluding interest on deposits		117,296			(2,733,480	)		(3,522,914	)		55,664			453,963			859,314			786,813
Add: Interest on deposits		243,124			363,650			674,101			931,679			1,026,388			717,167			446,919
Earnings available for fixed charges, including interest on deposits		360,420			(2,369,830	)		(2,848,813	)		987,343			1,480,351			1,576,481			1,233,732
Fixed Charges:
Interest expense, excluding interest on deposits		45,759			81,907			139,754			334,952			415,063			334,175			232,435
Interest factor in net rental expense		7,810			7,457			15,515			16,720			16,257			11,078			10,804
Preferred stock dividends		58,783			116,244			174,756			46,400			—			—			—
Total fixed charges, excluding interest on deposits		112,352			205,608			330,025			398,072			431,320			345,253			243,239
Add: Interest on deposits		243,124			363,650			674,101			931,679			1,026,388			717,167			446,919
Total fixed charges, including interest on deposits	$	355,476		$	569,258		$	1,004,126		$	1,329,751		$	1,457,708		$	1,062,420		$	690,158
Ratio of Earnings to Fixed Charges and Preferred Stock Dividends
Excluding interest on deposits		1.04	x		(13.29	)x		(10.67	)x		0.14	x		1.05	x		2.49	x		3.23	x
Including interest on deposits		1.01	x		(4.16	)x		(2.84	)x		0.74	x		1.02	x		1.48	x		1.79	x