EXHIBIT 12.0

STATEMENT RE: RATIO OF EARNINGS TO FIXED CHARGES

	Years Ended December 31,
(dollars in thousands)	2009			2008			2007
Including Interest Paid on Deposits:
Earnings before income taxes	$	593,149		$	53,794		$	402,099
Combined fixed charges:
Interest expense on deposits		212,815			348,393			425,824
Interest expense on borrowed funds		516,472			581,241			524,391
Appropriate portion (1/3) of rent expenses		9,369			9,250			8,315
Total fixed charges	$	738,656		$	938,884		$	958,530
Earnings before income taxes and fixed charges	$	1,331,805		$	992,678		$	1,360,629
Ratio of earnings to fixed charges		1.80	x		1.06	x		1.42	x
Excluding Interest Paid on Deposits:
Earnings before income taxes	$	593,149		$	53,794		$	402,099
Combined fixed charges:
Interest expense on borrowed funds		516,472			581,241			524,391
Appropriate portion (1/3) of rent expenses		9,369			9,250			8,315
Total fixed charges	$	525,841		$	590,491		$	532,706
Earnings before income taxes and fixed charges	$	1,118,990		$	644,285		$	934,805
Ratio of earnings to fixed charges		2.13	x		1.09	x		1.75	x

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