Exhibit 12

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

	For the Nine Months Ended
	September 30,						For the Years Ended December 31,
	2005			2004			2004			2003			2002			2001			2000
Earnings:
Income before income taxes	$	1,835,396		$	1,704,134		$	2,322,362		$	1,617,030		$	1,790,697		$	1,360,428		$	1,013,006
Plus:
Fixed charges		1,418,489			880,829			1,232,111			1,306,218			1,713,021			2,438,401			2,586,815
Less:
Capitalized interest		677			449			638			514			504			798			470
Earnings, including interest on
deposits		3,253,208			2,584,514			3,553,835			2,922,734			3,503,214			3,798,031			3,599,351
Less:
Interest on deposits		864,071			521,256			729,660			755,677			1,003,058			1,566,269			1,685,248
Earnings, excluding interest on
deposits	$	2,389,137		$	2,063,258		$	2,824,175		$	2,167,057		$	2,500,156		$	2,231,762		$	1,914,103
Fixed Charges:
Interest expense	$	1,381,485		$	856,659		$	1,198,472		$	1,272,787		$	1,686,584		$	2,414,936		$	2,563,912
Capitalized interest		677			449			638			514			504			798			470
Interest portion of rent expense		36,327			23,721			33,001			32,917			25,933			22,667			22,433
Total Fixed Charges	$	1,418,489		$	880,829		$	1,232,111		$	1,306,218		$	1,713,021		$	2,438,401		$	2,586,815
Less:
Interest on deposits		864,071			521,256			729,660			755,677			1,003,058			1,566,269			1,685,248
Total fixed charges excluding
interest on deposits	$	554,418		$	359,573		$	502,451		$	550,541		$	709,963		$	872,132		$	901,567
Earnings to fixed charges:
Including interest on deposits		2.29	x		2.93	x		2.88	x		2.24	x		2.05	x		1.56	x		1.39	x
Excluding interest on deposits		4.31	x		5.74	x		5.62	x		3.94	x		3.52	x		2.56	x		2.12	x