Exhibit 12

BB&T Corporation
Earnings To Fixed Charges
(Dollars in thousands)

	For the Three Months Ended
	March 31,				For the Years Ended December 31,
	2005		2004		2004		2003		2002		2001		2000
Earnings:
Income before income taxes	$  594,053		$  484,515		$  2,322,362		$  1,617,030		$  1,790,697		$  1,360,428		$  1,013,006
Plus:
Fixed charges	404,210		281,878		1,232,111		1,306,218		1,713,021		2,438,401		2,586,815
Less:
Capitalized interest	96		105		638		514		504		798		470
Earnings, including interest on
deposits	998,167		766,288		3,553,835		2,922,734		3,503,214		3,798,031		3,599,351
Less:
Interest on deposits	241,299		166,777		729,660		755,677		1,003,058		1,566,269		1,685,248
Earnings, excluding interest on
deposits	$  756,868		$  599,511		$  2,824,175		$  2,167,057		$  2,500,156		$  2,231,762		$  1,914,103
Fixed Charges:
Interest expense	$  394,309		$  273,626		$  1,198,472		$  1,272,787		$  1,686,584		$  2,414,936		$  2,563,912
Capitalized interest	96		105		638		514		504		798		470
Interest portion of rent expense	9,805		8,147		33,001		32,917		25,933		22,667		22,433
Total Fixed Charges	$  404,210		$  281,878		$  1,232,111		$  1,306,218		$  1,713,021		$  2,438,401		$  2,586,815
Less:
Interest on deposits	241,299		166,777		729,660		755,677		1,003,058		1,566,269		1,685,248
Total fixed charges excluding
interest on deposits	$  162,911		$  115,101		$     502,451		$     550,541		$     709,963		$     872,132		$     901,567
Earnings to fixed charges:
Including interest on deposits	2.47	x	2.72	x	2.88	x	2.24	x	2.05	x	1.56	x	1.39	x
Excluding interest on deposits	4.65	x	5.21	x	5.62	x	3.94	x	3.52	x	2.56	x	2.12	x