EX-12 6 exhibit12.txt
EXHIBIT 12 COMPUTATION OF RATIOS OF EARNINGS TO FIXED CHARGES FOR THE YEARS ENDED SEPTEMBER 30, ----------------------------------------------------------------------------------------------------- (DOLLARS IN THOUSANDS) 2003 2002 2001 2000 1999 ----------------------------------------------------------------------------------------------------- Income before taxes $700,203 $578,275 $637,790 $739,591 $574,084 Add fixed charges: Interest expense-excluding interest on deposits 22,924 18,108 21,336 22,580 26,989 Interest expense-deposits 6,122 9,812 10,768 2,742 3,622 Interest factor on rent 13,413 20,977 20,228 19,170 12,953 ----------------------------------------------------------------------------------------------------- Total fixed charges $42,459 $48,897 $52,332 $44,492 $43,564 ----------------------------------------------------------------------------------------------------- Earnings before fixed charges and taxes on income $742,662 $627,172 $690,122 $784,083 $617,648 ----------------------------------------------------------------------------------------------------- Ratio of earnings to fixed charges- including interest on deposits 17.5 12.8 13.2 17.6 14.2 Ratio of earnings to fixed charges- excluding interest on deposits 20.3 15.8 16.3 18.7 15.4 -----------------------------------------------------------------------------------------------------