Exhibit 12
BB&T Corporation
Earnings To Fixed Charges
				Years Ended December 31,
				2013		2012		2011		2010		2009
				(Dollars in millions)
Earnings:
	Income before income taxes			$	3,124	$	2,792	$	1,628	$	969	$	1,036
	Plus:
		Fixed charges			967		1,130		1,442		1,855		2,108
	Less:
		Noncontrolling interest			50		49		43		38		24
			Earnings		4,041		3,873		3,027		2,786		3,120
	Less:
		Interest on deposits			301		429		610		917		1,271
			Earnings, excluding interest on deposits	$	3,740	$	3,444	$	2,417	$	1,869	$	1,849
Fixed charges:
	Interest expense			$	891	$	1,060	$	1,378	$	1,795	$	2,040
	Interest portion of rent expense				76		70		64		60		68
		Total fixed charges			967		1,130		1,442		1,855		2,108
	Less:
		Interest on deposits			301		429		610		917		1,271
			Total fixed charges excluding interest on deposits		666		701		832		938		837
	Dividends/accretion on preferred stock (1)				211		87		―		―		146
		Total fixed charges and preferred dividends		$	1,178	$	1,217	$	1,442	$	1,855	$	2,254
		Total fixed charges and preferred dividends, excluding interest on deposits		$	877	$	788	$	832	$	938	$	983
Earnings to fixed charges:
	Including interest on deposits				4.18x		3.43x		2.10x		1.50x		1.48x
	Excluding interest on deposits				5.62x		4.91x		2.91x		1.99x		2.21x
Earnings to fixed charges and preferred dividends:
	Including interest on deposits				3.43x		3.18x		2.10x		1.50x		1.38x
	Excluding interest on deposits				4.26x		4.37x		2.91x		1.99x		1.88x
(1)	Dividends on preferred stock have been grossed up by the effective tax rate for the period.