Exhibit 12.2

Ratio of Earnings to Fixed Charges and Preferred Stock Dividends	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 and preferred stock dividends	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
Preferred stock dividends	31,873				31,854				31,869				31,989				30,813
Total fixed charges, excluding interest on deposits	131,486				102,546				88,896				106,368				127,848
Add: Interest on deposits	82,174				86,453				116,241				162,167				260,051
Total fixed charges, including interest on deposits	$	213,660			$	188,999			$	205,137			$	268,535			$	387,899
Ratio of Earnings to Fixed Charges and Preferred Stock Dividends
Excluding interest on deposits	7.71			X	9.01			X	10.41			X	8.54			X	6.38
Including interest on deposits	5.13			X	5.34			X	5.08			X	3.99			X	2.77