Exhibit 12.1

Statement
Regarding Computation of Ratio of Earnings to Fixed Charges

|                                                     |  |  |             | For the Years Ended December 31,
|---------------------------------------------------- |  |  | ----------- | --------------------------------
|                                                     |  |  |             |                                 
|
|                                                     |  |  |             |                                 
|
|                                                     |  |  |             |                                 
|Income before taxes                                  |  |  |             |                                 
|Add:  Minority Interests in earnings of subsidiaries |  |  |             |                                 
|                                                     |  |  |             |                                 
|Income before taxes and minority interests           |  |  |             |                                 
|Add:  fixed charges                                  |  |  |             |                                 
|                                                     |  |  |             |                                 
|                                                     |  |  |             |                                 
|Earnings including interest expense - deposits       |  |  | (a)         |                                 
|Less:  interest expense - deposits                   |  |  |             |                                 
|                                                     |  |  |             |                                 
|                                                     |  |  |             |                                 
|Earnings excluding interest expenses - deposits      |  |  | (b)         |                                 
|                                                     |  |  |             |                                 
|                                                     |  |  |             |                                 
|Fixed Charges:                                       |  | 
|Interest expense - deposits                          |  |  |             |                                 
|Interest expense - borrowings                        |  |  |             |                                 
|                                                     |  |  |             |                                 
|                                                     |  |  |             |                                 
|Fixed charges including interest expense - deposits  |  |  | (c)         |                                 
|Less:  interest expense - deposits                   |  |  |             |                                 
|                                                     |  |  |             |                                 
|                                                     |  |  |             |                                 
|Fixed charges excluding interest expense - deposits  |  |  | (d)         |                                 
|                                                     |  |  |             |                                 
|                                                     |  |  |             |                                 
|Earnings to fixed charges:                           |  | 
|Excluding interest on deposits                       |  |  | ((b) / (d)) |                                 
|Including interest on deposits                       |  |  | ((a) / (c)) |