SunTrust Banks, Inc.
	Ratio of Earnings to Fixed Charges and Preferred Stock Dividends (in millions)
	For the Year Ended December 31
(Dollars in millions)	2011			2010			2009			2008			2007
Ratio 1 - including deposit interest
Earnings:
Income/(loss) before income taxes and extraordinary gain		$726			$4			($2,462	)		$729			$2,250
Fixed charges	1,189			1,562			2,315			3,778			5,377
Total		$1,915			$1,566			($147	)		$4,507			$7,627
Fixed charges:
Interest on deposits		$624			$860			$1,440			$2,377			$3,661
Interest on funds purchased and securities sold under agreements to repurchase	5			6			8			131			440
Interest on other short-term borrowings	12			13			15			55			121
Interest on trading liabilities	26			30			20			27			15
Interest on long-term debt	449			580			761			1,117			1,079
Portion of rents representative of the interest factor (1/3) of rental expense	73			73			71			71			61
Total fixed charges	1,189			1,562			2,315			3,778			5,377
Preferred stock dividend requirements	165			274			280			49			42
Fixed charges and preferred stock dividends		$1,354			$1,836			$2,595			$3,827			$5,419
Ratio of earnings to fixed charges	1.61		x	1.00		x	NM			1.19		x	1.42		x
Ratio of earnings to fixed charges and preferred stock dividends	1.41		x	0.85		x	NM			1.18		x	1.41		x
Ratio 2 - excluding deposit interest
Earnings:
Income/(loss) before income taxes and extraordinary gain		$726			$4			($2,462	)		$729			$2,250
Fixed charges	565			702			875			1,401			1,716
Total		$1,291			$706			($1,587	)		$2,130			$3,966
Fixed charges:
Interest on funds purchased and securities sold under agreements to repurchase		$5			$6			$8			$131			$440
Interest on other short-term borrowings	12			13			15			55			121
Interest on trading liabilities	26			30			20			27			15
Interest on long-term debt	449			580			761			1,117			1,079
Portion of rents representative of the interest factor (1/3) of rental expense	73			73			71			71			61
Total fixed charges	565			702			875			1,401			1,716
Preferred stock dividend requirements	165			274			280			49			42
Fixed charges and preferred stock dividends		$730			$976			$1,155			$1,450			$1,758
Ratio of earnings to fixed charges	2.28		x	1.01		x	NM			1.52		x	2.31		x
Ratio of earnings to fixed charges and preferred stock dividends	1.77		x	0.72		x	NM			1.47		x	2.26		x

NM - not meaningful. For the year ended December 31, 2009, earnings were inadequate to cover fixed charges by $2.5 billion. Earnings included a $751 million non-cash goodwill impairment charge in 2009 as well as elevated provision for credit losses.