Exhibit 12.1

Ratio of Earnings to Fixed Charges	Twelve Months Ended December 31,
	2015				2014				2013				2012				2011
(dollar amounts in thousands of dollars)
Earnings:
Income before income taxes	$	913,605			$	852,985			$	868,756			$	833,581			$	718,928
Add: Fixed charges, excluding interest on deposits	99,613				70,692				57,027				74,379				97,035
Earnings available for fixed charges, excluding interest on deposits	1,013,218				923,677				925,783				907,960				815,963
Add: Interest on deposits	82,174				86,453				116,241				162,167				260,051
Earnings available for fixed charges, including interest on deposits	$	1,095,392			$	1,010,130			$	1,042,024			$	1,070,127			$	1,076,014
Fixed Charges:
Interest expense, excluding interest on deposits	$	81,610			$	52,868			$	39,788			$	57,572			$	81,004
Interest factor in net rental expense	18,003				17,824				17,239				16,807				16,031
Total fixed charges, excluding interest on deposits	99,613				70,692				57,027				74,379				97,035
Add: Interest on deposits	82,174				86,453				116,241				162,167				260,051
Total fixed charges, including interest on deposits	$	181,787			$	157,145			$	173,268			$	236,546			$	357,086
Ratio of Earnings to Fixed Charges
Excluding interest on deposits	10.17			X	13.07			X	16.23			X	12.21			X	8.41
Including interest on deposits	6.03			X	6.43			X	6.01			X	4.52			X	3.01