Exhibit 12

BB&T Corporation

Earnings To Fixed Charges

	For the Six Months Ended June 30,						For the Years Ended December 31,
	2010			2009			2009			2008			2007			2006			2005
	(Dollars in millions)
Earnings:
Income before income taxes	$	491		$	681		$	1,036		$	2,079		$	2,582		$	2,478		$	2,471
Plus:
Fixed charges		951			1,186			2,232			3,044			4,068			3,233			2,029
Less:
Dividends/accretion on preferred stock		—			124			124			21			—			—			—
Noncontrolling interest		20			10			24			10			12			5			4
Capitalized interest		—			—			—			2			4			2			1
Earnings, including interest on deposits		1,422			1,733			3,120			5,090			6,634			5,704			4,495
Less:
Interest on deposits		500			666			1,271			1,891			2,620			2,137			1,252
Earnings, excluding interest on deposits	$	922		$	1,067		$	1,849		$	3,199		$	4,014		$	3,567		$	3,243
Fixed charges:
Interest expense	$	924		$	1,035		$	2,040		$	2,969		$	4,014		$	3,185		$	1,981
Capitalized interest		—			—			—			2			4			2			1
Interest portion of rent expense		27			27			68			52			50			46			47
Dividends/accretion on preferred stock		—			124			124			21			—			—			—
Total fixed charges		951			1,186			2,232			3,044			4,068			3,233			2,029
Less:
Interest on deposits		500			666			1,271			1,891			2,620			2,137			1,252
Total fixed charges excluding interest on deposits	$	451		$	520		$	961		$	1,153		$	1,448		$	1,096		$	777
Earnings to fixed charges:
Including interest on deposits		1.50	x		1.46	x		1.40	x		1.67	x		1.63	x		1.76	x		2.22	x
Excluding interest on deposits		2.04	x		2.05	x		1.92	x		2.77	x		2.77	x		3.25	x		4.17	x