Exhibit 12
BB&T Corporation
Earnings To Fixed Charges
			Six Months
			Ended June 30,				Years Ended December 31,
			2013		2012		2012		2011		2010		2009		2008
				(Dollars in millions)
Earnings:
Income before income taxes			$	1,534	$	1,363	$	2,792	$	1,628	$	969	$	1,036	$	2,079
Plus:
	Fixed charges			502		607		1,130		1,442		1,855		2,108		3,023
Less:
	Noncontrolling interests			32		34		49		43		38		24		10
	Capitalized interest			―		―		―		―		―		―		2
		Earnings		2,004		1,936		3,873		3,027		2,786		3,120		5,090
Less:
	Interest on deposits			164		228		429		610		917		1,271		1,891
		Earnings, excluding interest on deposits	$	1,840	$	1,708	$	3,444	$	2,417	$	1,869	$	1,849	$	3,199
Fixed charges:
	Interest expense		$	465	$	573	$	1,060	$	1,378	$	1,795	$	2,040	$	2,969
	Capitalized interest			―		―		―		―		―		―		2
	Interest portion of rent expense			37		34		70		64		60		68		52
		Total fixed charges		502		607		1,130		1,442		1,855		2,108		3,023
Less:
	Interest on deposits			164		228		429		610		917		1,271		1,891
		Total fixed charges, excluding interest on deposits		338		379		701		832		938		837		1,132
Dividends/accretion on preferred stock (1)				79		11		87		―		―		146		29
	Total fixed charges and preferred dividends		$	581	$	618	$	1,217	$	1,442	$	1,855	$	2,254	$	3,052
	Total fixed charges and preferred dividends, excluding interest on deposits		$	417	$	390	$	788	$	832	$	938	$	983	$	1,161
Earnings to fixed charges:
	Including interest on deposits			3.99x		3.19x		3.43x		2.10x		1.50x		1.48x		1.68x
	Excluding interest on deposits			5.44x		4.51x		4.91x		2.91x		1.99x		2.21x		2.83x
Earnings to fixed charges and preferred dividends:
	Including interest on deposits			3.45x		3.13x		3.18x		2.10x		1.50x		1.38x		1.67x
	Excluding interest on deposits			4.41x		4.38x		4.37x		2.91x		1.99x		1.88x		2.76x
(1)	Dividends on preferred stock have been grossed up by the effective tax rate for the period.