Exhibit 12.2

Ratio of Earnings to Fixed Charges and Preferred Stock Dividends	Twelve Months Ended December 31,
	2016				2015				2014				2013				2012
(dollar amounts in thousands of dollars)
Earnings:
Income before income taxes	$	919,762			$	913,605			$	852,985			$	868,756			$	833,581
Add: Fixed charges, excluding interest on deposits and preferred stock dividends	181,235				99,613				70,692				57,027				74,379
Earnings available for fixed charges, excluding interest on deposits	1,100,997				1,013,218				923,677				925,783				907,960
Add: Interest on deposits	102,004				82,174				86,453				116,241				162,167
Earnings available for fixed charges, including interest on deposits	$	1,203,001			$	1,095,392			$	1,010,130			$	1,042,024			$	1,070,127
Fixed Charges:
Interest expense, excluding interest on deposits	$	160,791			$	81,610			$	52,868			$	39,788			$	57,572
Interest factor in net rental expense	20,444				18,003				17,824				17,239				16,807
Preferred stock dividends	65,274				31,873				31,854				31,869				31,989
Total fixed charges, excluding interest on deposits	246,509				131,486				102,546				88,896				106,368
Add: Interest on deposits	102,004				82,174				86,453				116,241				162,167
Total fixed charges, including interest on deposits	$	348,513			$	213,660			$	188,999			$	205,137			$	268,535
Ratio of Earnings to Fixed Charges and Preferred Stock Dividends
Excluding interest on deposits	4.47			X	7.71			X	9.01			X	10.41			X	8.54
Including interest on deposits	3.45			X	5.13			X	5.34			X	5.08			X	3.99