EXHIBIT 12.0

STATEMENT RE: RATIO OF EARNINGS TO FIXED CHARGES

	Years Ended December 31,
(dollars in thousands)	2008			2007			2006
Including Interest Paid on Deposits:
Earnings before income taxes	$	53,794		$	402,099		$	348,714
Combined fixed charges:
Interest expense on deposits		348,393			425,824			383,373
Interest expense on borrowed funds		581,241			524,391			463,761
Appropriate portion ( 1/3) of rent expenses		9,250			8,315			6,940
Total fixed charges	$	938,884		$	958,530		$	854,074
Earnings before income taxes and fixed charges	$	992,678		$	1,360,629		$	1,202,788
Ratio of earnings to fixed charges		1.06	x		1.42	x		1.41	x
Excluding Interest Paid on Deposits:
Earnings before income taxes	$	53,794		$	402,099		$	348,714
Combined fixed charges:
Interest expense on borrowed funds		581,241			524,391			463,761
Appropriate portion ( 1/3) of rent expenses		9,250			8,315			6,940
Total fixed charges	$	590,491		$	532,706		$	470,701
Earnings before income taxes and fixed charges	$	644,285		$	934,805		$	819,415
Ratio of earnings to fixed charges		1.09	x		1.75	x		1.74	x