EXHIBIT 12.0

STATEMENT RE: RATIO OF EARNINGS TO FIXED CHARGES

	Years Ended December 31,
(dollars in thousands)	2014			2013			2012
Including Interest Paid on Deposits:
Earnings before income taxes	$	773,066		$	747,126		$	780,909
Combined fixed charges:
Interest expense on deposits		149,746			141,639			144,166
Interest expense on borrowed funds		392,968			399,843			486,914
Appropriate portion (1/3) of rent expenses		12,000			11,676			11,282
Total fixed charges	$	554,714		$	553,158		$	642,362
Earnings before income taxes and fixed charges	$	1,327,780		$	1,300,284		$	1,423,271
Ratio of earnings to fixed charges		2.39	x		2.35	x		2.22	x
Excluding Interest Paid on Deposits:
Earnings before income taxes	$	773,066		$	747,126		$	780,909
Combined fixed charges:
Interest expense on borrowed funds		392,968			399,843			486,914
Appropriate portion (1/3) of rent expenses		12,000			11,676			11,282
Total fixed charges	$	404,968		$	411,519		$	498,196
Earnings before income taxes and fixed charges	$	1,178,034		$	1,158,645		$	1,279,105
Ratio of earnings to fixed charges		2.91	x		2.82	x		2.57	x