Exhibit 12
BB&T Corporation
Earnings To Fixed Charges
	For the Nine Months Ended
		September 30,						For the Years Ended December 31,
		2008			2007			2007			2006			2005			2004			2003
	(Dollars in millions)
Earnings:
Income before income taxes	$	1,739		$	1,987		$	2,570		$	2,473		$	2,467		$	2,322		$	1,617
Plus:
Fixed charges		2,345			3,032			4,068			3,233			2,029			1,232			1,306
Less:
Capitalized interest		1			2			4			2			1			-			-
Earnings, including interest on
deposits		4,083			5,017			6,634			5,704			4,495			3,554			2,923
Less:
Interest on deposits		1,468			1,965			2,620			2,137			1,252			730			756
Earnings, excluding interest on
deposits	$	2,615		$	3,052		$	4,014		$	3,567		$	3,243		$	2,824		$	2,167
Fixed Charges:
Interest expense	$	2,305		$	2,993		$	4,014		$	3,185		$	1,981		$	1,199		$	1,273
Capitalized interest		1			2			4			2			1			-			-
Interest portion of rent expense		39			37			50			46			47			33			33
Total Fixed Charges	$	2,345		$	3,032		$	4,068		$	3,233		$	2,029		$	1,232		$	1,306
Less:
Interest on deposits		1,468			1,965			2,620			2,137			1,252			730			756
Total fixed charges excluding
interest on deposits	$	877		$	1,067		$	1,448		$	1,096		$	777		$	502		$	550
Earnings to fixed charges:
Including interest on deposits		1.74	x		1.65	x		1.63	x		1.76	x		2.22	x		2.88	x		2.24	x
Excluding interest on deposits		2.98	x		2.86	x		2.77	x		3.25	x		4.17	x		5.62	x		3.94	x