Exhibit 12.2

Ratio of Earnings to Fixed Charges and Preferred Stock Dividends	Twelve Months Ended December 31,
	2017				2016				2015				2014				2013
(dollar amounts in millions)
Earnings:
Income before income taxes	$	1,394			$	920			$	914			$	853			$	869
Add: Fixed charges, excluding interest on deposits and preferred stock dividends	275				181				100				71				57
Earnings available for fixed charges, excluding interest on deposits	1,669				1,101				1,014				924				926
Add: Interest on deposits	180				102				82				86				116
Earnings available for fixed charges, including interest on deposits	$	1,849			$	1,203			$	1,096			$	1,010			$	1,042
Fixed Charges:
Interest expense, excluding interest on deposits	$	251			$	161			$	82			$	53			$	40
Interest factor in net rental expense	24				20				18				18				17
Preferred stock dividends	76				65				32				32				32
Total fixed charges, excluding interest on deposits	351				246				132				103				89
Add: Interest on deposits	180				102				82				86				116
Total fixed charges, including interest on deposits	$	531			$	348			$	214			$	189			$	205
Ratio of Earnings to Fixed Charges and Preferred Stock Dividends
Excluding interest on deposits	4.75			X	4.47			X	7.71			X	9.01			X	10.41			X
Including interest on deposits	3.48			X	3.45			X	5.13			X	5.34			X	5.08			X