Exhibit 12
BB&T Corporation
Earnings To Fixed Charges
				Years Ended December 31,
				2012		2011		2010		2009		2008
				(Dollars in millions)
Earnings:
	Income before income taxes			$	2,792	$	1,628	$	969	$	1,036	$	2,079
	Plus:
		Fixed charges			1,130		1,442		1,855		2,108		3,023
	Less:
		Noncontrolling interest			49		43		38		24		10
		Capitalized interest			―		―		―		―		2
			Earnings		3,873		3,027		2,786		3,120		5,090
	Less:
		Interest on deposits			429		610		917		1,271		1,891
			Earnings, excluding interest on deposits	$	3,444	$	2,417	$	1,869	$	1,849	$	3,199
Fixed charges:
	Interest expense			$	1,060	$	1,378	$	1,795	$	2,040	$	2,969
	Capitalized interest				―		―		―		―		2
	Interest portion of rent expense				70		64		60		68		52
		Total fixed charges			1,130		1,442		1,855		2,108		3,023
	Less:
		Interest on deposits			429		610		917		1,271		1,891
			Total fixed charges excluding interest on deposits		701		832		938		837		1,132
	Dividends/accretion on preferred stock (1)				87		―		―		146		29
		Total fixed charges and preferred dividends		$	1,217	$	1,442	$	1,855	$	2,254	$	3,052
		Total fixed charges and preferred dividends, excluding interest on deposits		$	788	$	832	$	938	$	983	$	1,161
Earnings to fixed charges:
	Including interest on deposits				3.43x		2.10x		1.50x		1.48x		1.68x
	Excluding interest on deposits				4.91x		2.91x		1.99x		2.21x		2.83x
Earnings to fixed charges and preferred dividends:
	Including interest on deposits				3.18x		2.10x		1.50x		1.38x		1.67x
	Excluding interest on deposits				4.37x		2.91x		1.99x		1.88x		2.76x
(1)	Dividends on preferred stock have been grossed up by the effective tax rate for the period.