Exhibit 12

     BB&T Corporation Earnings To Fixed Charges

	For the Three Months Ended
	March 31,							For the Years Ended December 31,
		2009			2008			2008			2007			2006			2005			2004
	(Dollars in millions)
Earnings:
Income before income taxes	$	432		$	630		$	2,079		$	2,582		$	2,478		$	2,471		$	2,323
Plus:
Fixed charges		587			892			3,044			4,068			3,233			2,029			1,232
Less:
Dividends/accretion on preferred stock		41			-			21			-			-			-			-
Noncontrolling interest		6			1			10			12			5			4			1
Capitalized interest		-			1			2			4			2			1			-
Earnings, including interest on
deposits		972			1,520			5,090			6,634			5,704			4,495			3,554
Less:
Interest on deposits		346			564			1,891			2,620			2,137			1,252			730
Earnings, excluding interest on
deposits	$	626		$	956		$	3,199		$	4,014		$	3,567		$	3,243		$	2,824
Fixed charges:
Interest expense	$	533		$	878		$	2,969		$	4,014		$	3,185		$	1,981		$	1,199
Capitalized interest		-			1			2			4			2			1			-
Interest portion of rent expense		13			13			52			50			46			47			33
Dividends/accretion on preferred stock		41			-			21			-			-			-			-		`
Total fixed charges		587			892			3,044			4,068			3,233			2,029			1,232
Less:
Interest on deposits		346			564			1,891			2,620			2,137			1,252			730
Total fixed charges excluding
interest on deposits	$	241		$	328		$	1,153		$	1,448		$	1,096		$	777		$	502
Earnings to fixed charges:
Including interest on deposits		1.66	x		1.70	x		1.67	x		1.63	x		1.76	x		2.22	x		2.88	x
Excluding interest on deposits		2.60	x		2.91	x		2.77	x		2.77	x		3.25	x		4.17	x		5.62	x