EXHIBIT 12.0

STATEMENT RE: RATIO OF EARNINGS TO FIXED CHARGES

	Years Ended December 31,
(dollars in thousands)	2007			2006			2005
Including Interest Paid on Deposits:
Earnings before income taxes	$	402,099		$	348,714		$	444,714
Combined fixed charges:
Interest expense on deposits		425,824			383,373			202,823
Interest expense on borrowed funds		524,391			463,761			380,828
Appropriate portion (1/3) of rent expenses		8,315			6,940			5,370
Total fixed charges	$	958,530		$	854,074		$	589,021
Earnings before income taxes and fixed charges	$	1,360,629		$	1,202,788		$	1,033,735
Ratio of earnings to fixed charges		1.42	x		1.41	x		1.76	x
Excluding Interest Paid on Deposits:
Earnings before income taxes	$	402,099		$	348,714		$	444,714
Combined fixed charges:
Interest expense on borrowed funds		524,391			463,761			380,828
Appropriate portion ( 1/3) of rent expenses		8,315			6,940			5,370
Total fixed charges	$	532,706		$	470,701		$	386,198
Earnings before income taxes and fixed charges	$	934,805		$	819,415		$	830,912
Ratio of earnings to fixed charges		1.75	x		1.74	x		2.15	x