Exhibit 12

Exhibit 12: Computation of Ratio of Earnings to Combined Fixed Charges

	Year Ended December 31,
(in thousands)	2006			2005			2004			2003			2002
Including Interest on Deposits
Earnings:
Income before income taxes	$	3,652,731		$	2,829,002		$	2,360,064		$	1,802,924		1,451,039
Fixed charges		3,108,333			2,058,099			1,797,811			1,588,981		1,475,827
Earnings, for computation purposes		6,761,064			4,887,101			4,157,875			3,391,905		2,926,866
Fixed Charges:
Interest expense on deposits, senior and subordinated, and other borrowings		3,094,599			2,046,639			1,791,442			1,582,565		1,461,654
Portion of rent expense representative of interest		13,734			11,460			6,369			6,416		14,173
Total fixed charges, including interest on deposits, for computation purposes	$	3,108,333		$	2,058,099		$	1,797,811		$	1,588,981		1,475,827
Ratio of earnings to fixed charges, including interest on deposits		2.18			2.37			2.31			2.13		1.98
Excluding Interest on Deposits
Earnings:
Income before income taxes	$	3,652,731		$	2,829,002		$	2,360,064			1,802,924		1,451,039
Fixed charges		1,293,536			884,962			788,266			697,331		663,938
Earnings, for computation purposes		4,946,267			3,713,964			3,148,330			2,500,255		2,114,977
Fixed Charges:
Interest expense on deposits, senior and subordinated, and other borrowings		3,094,599			2,046,639			1,791,442			1,582,565		1,461,654
Portion of rent expense representative of interest		13,734			11,460			6,369			6,416		14,173
Interest expense on deposits		(1,814,797	)		(1,173,137	)		(1,009,545	)		(891,650	)	(811,889	)
Total fixed charges, excluding interest on deposits, for computation purposes	$	1,293,536		$	884,962		$	788,266		$	697,331		663,938
Ratio of earnings to fixed charges, excluding interest on deposits		3.82			4.20			3.99			3.59		3.19