Exhibit 12

BB&T Corporation

Earnings To Fixed Charges

	Years Ended December 31,
	2010			2009			2008			2007			2006
	(Dollars in millions)
Earnings:
Income before income taxes	$	969		$	1,036		$	2,079		$	2,582		$	2,478
Plus:
Fixed charges		1,855			2,232			3,044			4,068			3,233
Less:
Dividends/accretion on preferred stock		—			124			21			—			—
Noncontrolling interest		38			24			10			12			5
Capitalized interest		—			—			2			4			2
Earnings, including interest on deposits		2,786			3,120			5,090			6,634			5,704
Less:
Interest on deposits		917			1,271			1,891			2,620			2,137
Earnings, excluding interest on deposits	$	1,869		$	1,849		$	3,199		$	4,014		$	3,567
Fixed Charges:
Interest expense	$	1,795		$	2,040		$	2,969		$	4,014		$	3,185
Capitalized interest		—			—			2			4			2
Interest portion of rent expense		60			68			52			50			46
Dividends/accretion on preferred stock		—			124			21			—			—
Total Fixed Charges		1,855			2,232			3,044			4,068			3,233
Less:
Interest on deposits		917			1,271			1,891			2,620			2,137
Total fixed charges excluding interest on deposits	$	938		$	961		$	1,153		$	1,448		$	1,096
Earnings to fixed charges:
Including interest on deposits		1.50	x		1.40	x		1.67	x		1.63	x		1.76	x
Excluding interest on deposits		1.99	x		1.92	x		2.77	x		2.77	x		3.25	x