EXHIBIT 12.0

STATEMENT RE: RATIO OF EARNINGS TO FIXED CHARGES

	Years Ended December 31,
(dollars in thousands)	2005		2004		2003
Including Interest on Deposits:
Earnings before income taxes	$	444,714	$	531,968	$	492,682
Combined fixed charges:
Interest expense on deposits		202,823		90,389		64,231
Interest expense on borrowings		380,828		300,513		179,954
Appropriate portion (1/3) of rent expenses		5,370		4,565		2,975
Total fixed charges	$	589,021	$	395,467	$	247,160
Earnings before income taxes and fixed charges	$	1,033,735	$	927,435	$	739,842
Ratio of earnings to fixed charges		1.76x		2.35x		2.99x
Excluding Interest on Deposits:
Earnings before income taxes	$	444,714	$	531,968	$	492,682
Combined fixed charges:
Interest expense on borrowings		380,828		300,513		179,954
Appropriate portion (1/3) of rent expenses		5,370		4,565		2,975
Total fixed charges	$	386,198	$	305,078	$	182,929
Earnings before income taxes and fixed charges	$	830,912	$	837,046	$	675,611
Ratio of earnings to fixed charges		2.15x		2.74x		3.69x