Exhibit 12
BB&T Corporation
Earnings To Fixed Charges
			Nine Months
			Ended September 30,				Years Ended December 31,
			2014		2013		2013		2012		2011		2010		2009
				(Dollars in millions)
Earnings:
Income before income taxes			$	2,141	$	2,293	$	3,124	$	2,792	$	1,628	$	969	$	1,036
Plus:
	Fixed charges			640		744		967		1,130		1,442		1,855		2,108
Less:
	Noncontrolling interests			60		36		50		49		43		38		24
		Earnings		2,721		3,001		4,041		3,873		3,027		2,786		3,120
Less:
	Interest on deposits			181		236		301		429		610		917		1,271
		Earnings, excluding interest on deposits	$	2,540	$	2,765	$	3,740	$	3,444	$	2,417	$	1,869	$	1,849
Fixed charges:
	Interest expense		$	585	$	687	$	891	$	1,060	$	1,378	$	1,795	$	2,040
	Interest portion of rent expense			55		57		76		70		64		60		68
		Total fixed charges		640		744		967		1,130		1,442		1,855		2,108
Less:
	Interest on deposits			181		236		301		429		610		917		1,271
		Total fixed charges, excluding interest on deposits		459		508		666		701		832		938		837
Dividends/accretion on preferred stock (1)				147		161		211		87		―		―		146
	Total fixed charges and preferred dividends		$	787	$	905	$	1,178	$	1,217	$	1,442	$	1,855	$	2,254
	Total fixed charges and preferred dividends, excluding interest on deposits		$	606	$	669	$	877	$	788	$	832	$	938	$	983
Earnings to fixed charges:
	Including interest on deposits			4.25x		4.03x		4.18x		3.43x		2.10x		1.50x		1.48x
	Excluding interest on deposits			5.53x		5.44x		5.62x		4.91x		2.91x		1.99x		2.21x
Earnings to fixed charges and preferred dividends:
	Including interest on deposits			3.46x		3.32x		3.43x		3.18x		2.10x		1.50x		1.38x
	Excluding interest on deposits			4.19x		4.13x		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.