EXHIBIT 12.0

STATEMENT RE: RATIO OF EARNINGS TO FIXED CHARGES

	Years Ended December 31,
(dollars in thousands)	2016			2015			2014
Including Interest Paid on Deposits:
Earnings (loss) before income taxes	$	777,128		$	(132,013	)	$	773,066
Combined fixed charges:
Interest expense on deposits		171,023			160,149			149,746
Interest expense on borrowed funds		216,464			349,604			392,968
Appropriate portion (1/3) of rent expenses		11,081			11,206			12,000
Total fixed charges	$	398,568		$	520,959		$	554,714
Earnings before income taxes and fixed charges	$	1,175,696		$	388,946		$	1,327,780
Ratio of earnings to fixed charges		2.95	x		0.75	x		2.39	x
Excluding Interest Paid on Deposits:
Earnings (loss) before income taxes	$	777,128		$	(132,013	)	$	773,066
Combined fixed charges:
Interest expense on borrowed funds		216,464			349,604			392,968
Appropriate portion (1/3) of rent expenses		11,081			11,206			12,000
Total fixed charges	$	227,545		$	360,810		$	404,968
Earnings before income taxes and fixed charges	$	1,004,673		$	228,797		$	1,178,034
Ratio of earnings to fixed charges		4.42	x		0.63	x		2.91	x