EXHIBIT 12

RATIOS OF EARNINGS TO FIXED CHARGES AND EARNINGS TO FIXED CHARGES AND PREFERRED DIVIDENDS

The following table sets forth certain information regarding our consolidated ratios of earnings to fixed charges and earnings to fixed charges and preferred stock dividends. Fixed charges represent interest expense, a portion of rent expense representative of interest, trust-preferred securities related expense and amortization of debt issuance costs.

(Dollar amounts in thousands)	Year ended December 31,
	2016			2015			2014			2013			2012
Fixed charges:
Interest expense excluding deposits	$	35,954		$	68,651		$	123,175		$	185,391		$	225,482
Portion of rents representative of an interest factor	21,606			20,836			19,732			19,468			19,568
Fixed charges excluding interest on deposits	57,560			89,487			142,907			204,859			245,050
Interest on deposits	51,012			49,560			49,823			59,686			81,300
Fixed charges including interest on deposits	$	108,572		$	139,047		$	192,730		$	264,545		$	326,350
Fixed charges and preferred stock dividends:
Interest expense excluding deposits	$	35,954		$	68,651		$	123,175		$	185,391		$	225,482
Portion of rents representative of an interest factor	21,606			20,836			19,732			19,468			19,568
Preferred stock dividend requirement	77,390			91,778			112,123			147,281			265,450
Fixed charges and preferred stock dividends excluding interest on deposits	134,950			181,265			255,030			352,140			510,500
Interest on deposits	51,012			49,560			49,823			59,686			81,300
Fixed charges and preferred stock dividends including interest on deposits	$	185,962		$	230,825		$	304,853		$	411,826		$	591,800
Earnings:
Income from continuing operations before income taxes	$	704,908		$	451,859		$	621,423		$	406,432		$	541,566
Equity in undistributed earnings of unconsolidated subsidiaries	(5,657		)	(4,757		)	(7,996		)	(11,066		)	(13,983		)
Fixed charges excluding interest on deposits	57,560			89,487			142,907			204,859			245,050
Earnings excluding interest on deposits	756,811			536,589			756,334			600,225			772,633
Interest on deposits	51,012			49,560			49,823			59,686			81,300
Earnings including interest on deposits	$	807,823		$	586,149		$	806,157		$	659,911		$	853,933
Ratio of earnings to fixed charges:
Excluding interest on deposits	13.15			6.00			5.29			2.93			3.15
Including interest on deposits	7.44			4.22			4.18			2.49			2.62
Ratio of earnings to fixed charges and preferred stock dividends:
Excluding interest on deposits	5.61			2.96			2.97			1.70			1.51
Including interest on deposits	4.34			2.54			2.64			1.60			1.44