EXHIBIT 12.0

STATEMENT RE: RATIO OF EARNINGS TO FIXED CHARGES

	Years Ended December 31,
(dollars in thousands)	2015			2014		2013
Including Interest Paid on Deposits:
(Loss) Earnings before income taxes	$	(132,013	)	$	773,066	$	747,126
Combined fixed charges:
Interest expense on deposits		160,149			149,746		141,639
Interest expense on borrowed funds		349,604			392,968		399,843
Appropriate portion (1/3) of rent expenses		11,206			12,000		11,676
Total fixed charges	$	520,959		$	554,714	$	553,158
Earnings before income taxes and fixed charges	$	388,946		$	1,327,780	$	1,300,284
Ratio of earnings to fixed charges		0.75x			2.39x		2.35x
Excluding Interest Paid on Deposits:
(Loss) Earnings before income taxes	$	(132,013	)	$	773,066	$	747,126
Combined fixed charges:
Interest expense on borrowed funds		349,604			392,968		399,843
Appropriate portion (1/3) of rent expenses		11,206			12,000		11,676
Total fixed charges	$	360,810		$	404,968	$	411,519
Earnings before income taxes and fixed charges	$	228,797		$	1,178,034	$	1,158,645
Ratio of earnings to fixed charges		0.63x			2.91x		2.82x