Exhibit 12.1

SunTrust Banks, Inc. Ratio of Earnings to Fixed Charges and Preferred Stock Dividends
	For the Year Ended December 31
(Dollars in millions)	2013			2012			2011			2010			2009
Ratio 1 - including deposit interest
Earnings:
Income/(loss) before income taxes		$1,617			$2,731			$726			$4			($2,462	)
Fixed charges	626			849			1,189			1,562			2,315
Total		$2,243			$3,580			$1,915			$1,566			($147	)
Fixed charges:
Interest on deposits		$291			$429			$624			$860			$1,440
Interest on funds purchased and securities sold under agreements to repurchase	4			4			5			6			8
Interest on other short-term borrowings	13			18			12			13			15
Interest on trading liabilities	17			15			26			30			20
Interest on long-term debt	210			299			449			580			761
Portion of rents representative of the interest factor (1/3) of rental expense	91			84			73			73			71
Total fixed charges	626			849			1,189			1,562			2,315
Preferred stock dividend requirements	45			17			165			274			280
Fixed charges and preferred stock dividends		$671			$866			$1,354			$1,836			$2,595
Ratio of earnings to fixed charges	3.58		x	4.22		x	1.61		x	1.00		x	NM
Ratio of earnings to fixed charges and preferred stock dividends	3.34		x	4.13		x	1.41		x	0.85		x	NM
Ratio 2 - excluding deposit interest
Earnings:
Income/(loss) before income taxes		$1,617			$2,731			$726			$4			($2,462	)
Fixed charges	335			420			565			702			875
Total		$1,952			$3,151			$1,291			$706			($1,587	)
Fixed charges:
Interest on funds purchased and securities sold under agreements to repurchase		$4			$4			$5			$6			$8
Interest on other short-term borrowings	13			18			12			13			15
Interest on trading liabilities	17			15			26			30			20
Interest on long-term debt	210			299			449			580			761
Portion of rents representative of the interest factor (1/3) of rental expense	91			84			73			73			71
Total fixed charges	335			420			565			702			875
Preferred stock dividend requirements	45			17			165			274			280
Fixed charges and preferred stock dividends		$380			$437			$730			$976			$1,155
Ratio of earnings to fixed charges	5.83		x	7.50		x	2.28		x	1.01		x	NM
Ratio of earnings to fixed charges and preferred stock dividends	5.14		x	7.21		x	1.77		x	0.72		x	NM

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 an elevated provision for credit losses.