EXHIBIT 12.0

STATEMENT RE: RATIO OF EARNINGS TO FIXED CHARGES

	Years Ended December 31,
(dollars in thousands)	2010			2009			2008
Including Interest Paid on Deposits:
Earnings before income taxes	$	837,471		$	593,149		$	53,794
Combined fixed charges:
Interest expense on deposits		216,540			212,815			348,393
Interest expense on borrowed funds		517,291			516,472			581,241
Appropriate portion (1/3) of rent expenses		12,016			9,369			9,250
Total fixed charges	$	745,847		$	738,656		$	938,884
Earnings before income taxes and fixed charges	$	1,583,318		$	1,331,805		$	992,678
Ratio of earnings to fixed charges		2.12	x		1.80	x		1.06	x
Excluding Interest Paid on Deposits:
Earnings before income taxes	$	837,471		$	593,149		$	53,794
Combined fixed charges:
Interest expense on borrowed funds		517,291			516,472			581,241
Appropriate portion (1/3) of rent expenses		12,016			9,369			9,250
Total fixed charges	$	529,307		$	525,841		$	590,491
Earnings before income taxes and fixed charges	$	1,366,778		$	1,118,990		$	644,285
Ratio of earnings to fixed charges		2.58	x		2.13	x		1.09	x