Huntington Bancshares (HBAN) S-3ASR Automatic shelf registration

Exhibit 12.1

	Six Months Ended June 30,				Year Ended December 31,
Ratio of Earnings to Fixed Charges	2016		2015		2015		2014		2013		2012		2011
(dollar amounts in thousands of dollars)
Earnings:
Income before income taxes	$	455,094	$	480,123	$	913,605	$	852,985	$	868,756	$	833,581	$	718,928
Add: Fixed charges, excluding interest on deposits and preferred stock dividends		78,086		43,068		99,613		70,692		57,027		74,379		97,035
Earnings available for fixed charges, excluding interest on deposits		533,180		523,191		1,013,218		923,677		925,783		907,960		815,963
Add: Interest on deposits		45,342		39,433		82,174		86,453		116,241		162,167		260,051
Earnings available for fixed charges, including interest on deposits	$	578,522	$	562,624	$	1,095,392	$	1,010,130	$	1,042,024	$	1,070,127	$	1,076,014
Fixed Charges:
Interest expense, excluding interest on deposits	$	68,620	$	34,087	$	81,610	$	52,868	$	39,788	$	57,572	$	81,004
Interest factor in net rental expense		9,466		8,981		18,003		17,824		17,239		16,807		16,031
Total fixed charges, excluding interest on deposits		78,086		43,068		99,613		70,692		57,027		74,379		97,035
Add: Interest on deposits		45,342		39,433		82,174		86,453		116,241		162,167		260,051
Total fixed charges, including interest on deposits	$	123,428	$	82,501	$	181,787	$	157,145	$	173,268	$	236,546	$	357,086
Ratio of Earnings to Fixed Charges and Preferred Stock Dividends
Excluding interest on deposits		6.83X		12.15X		10.17X		13.07X		16.23X		12.21X		8.41X
Including interest on deposits		4.69X		6.82X		6.03X		6.43X		6.01X		4.52X		3.01X