Huntington Bancshares (HBAN) 8-K 2013 FY Other Events

Exhibit 12.2

Ratio of Earnings to Fixed Charges and Preferred Stock Dividends

	Twelve Months Ended December 31,
(dollar amounts in thousands of dollars)	2013			2012			2011			2010			2009
Earnings:
Income (loss) before income taxes	$	868,756		$	833,581		$	718,928		$	364,113		$	(3,665,071	)
Add: Fixed charges, excluding interest on deposits and preferred stock dividends		57,027			74,379			97,035			102,969			155,269
Earnings available for fixed charges, excluding interest on deposits		925,783			907,960			815,963			467,082			(3,509,802	)
Add: Interest on deposits		116,241			162,167			260,051			439,049			674,101
Earnings available for fixed charges, including interest on deposits		1,042,024			1,070,127			1,076,014			906,131			(2,835,701	)
Fixed Charges:
Interest expense, excluding interest on deposits		39,788			57,572			81,004			87,537			139,754
Interest factor in net rental expense		17,239			16,807			16,031			15,432			15,515
Preferred stock dividends		31,869			31,989			30,813			172,032			174,756
Total fixed charges, excluding interest on deposits		88,896			106,368			127,848			275,001			330,025
Add: Interest on deposits		116,241			162,167			260,051			439,049			674,101
Total fixed charges, including interest on deposits	$	205,137		$	268,535		$	387,899		$	714,050		$	1,004,126
Ratio of Earnings to Fixed Charges and Preferred Stock Dividends
Excluding interest on deposits		10.41	x		8.54	x		6.38	x		1.70	x		(10.63	)x
Including interest on deposits		5.08	x		3.99	x		2.77	x		1.27	x		(2.82	)x