Exhibit 12

BB&T Corporation

Earnings To Fixed Charges

(Dollars in thousands)

	For the Years Ended December 31,
	2005			2004			2003			2002			2001
Earnings:
Income before income taxes	$	2,466,731		$	2,322,362		$	1,617,030		$	1,790,697		$	1,360,428
Plus:
Fixed charges		2,029,160			1,232,111			1,306,218			1,713,021			2,438,401
Less:
Capitalized interest		957			638			514			504			798
Earnings, including interest on deposits		4,494,934			3,553,835			2,922,734			3,503,214			3,798,031
Less:
Interest on deposits		1,251,834			729,660			755,677			1,003,058			1,566,269
Earnings, excluding interest on deposits	$	3,243,100		$	2,824,175		$	2,167,057		$	2,500,156		$	2,231,762
Fixed Charges:
Interest expense	$	1,980,969		$	1,198,472		$	1,272,787		$	1,686,584		$	2,414,936
Capitalized interest		957			638			514			504			798
Interest portion of rent expense		47,234			33,001			32,917			25,933			22,667
Total Fixed Charges	$	2,029,160		$	1,232,111		$	1,306,218		$	1,713,021		$	2,438,401
Less:
Interest on deposits		1,251,834			729,660			755,677			1,003,058			1,566,269
Total fixed charges excluding interest on deposits	$	777,326		$	502,451		$	550,541		$	709,963		$	872,132
Earnings to fixed charges:
Including interest on deposits		2.22	x		2.88	x		2.24	x		2.05	x		1.56	x
Excluding interest on deposits		4.17	x		5.62	x		3.94	x		3.52	x		2.56	x