EXHIBIT 12.0

STATEMENT RE: RATIO OF EARNINGS TO FIXED CHARGES

	Years Ended December 31,
(dollars in thousands)	2006		2005		2004
Including Interest on Deposits:
Earnings before income taxes	$	348,714	$	444,714	$	531,968
Combined fixed charges:
Interest expense on deposits		383,373		202,823		90,389
Interest expense on borrowings		463,761		380,828		300,513
Appropriate portion (1/3) of rent expenses		6,940		5,370		4,565
Total fixed charges	$	854,074	$	589,021	$	395,467
Earnings before income taxes and fixed charges	$	1,202,788	$	1,033,735	$	927,435
Ratio of earnings to fixed charges		1.41 x		1.76 x		2.35 x
Excluding Interest on Deposits:
Earnings before income taxes	$	348,714	$	444,714	$	531,968
Combined fixed charges:
Interest expense on borrowings		463,761		380,828		300,513
Appropriate portion (1/3) of rent expenses		6,940		5,370		4,565
Total fixed charges	$	470,701	$	386,198	$	305,078
Earnings before income taxes and fixed charges	$	819,415	$	830,912	$	837,046
Ratio of earnings to fixed charges		1.74 x		2.15 x		2.74 x