Exhibit 7.1

Computation of ratios of earnings to combined fixed charges (and preference share dividends)

For the purpose of calculating the ratios, earnings consist of income from continuing operations before taxation and non-controlling interests, plus fixed charges, and after deduction of the unremitted pre-tax income of associated undertakings. Fixed charges consist of total interest expense, including or excluding interest on deposits, as appropriate, dividends on preference shares and other equity instruments, as applicable, and the proportion of rental expense deemed representative of the interest factor.

	2014			2013			2012			2011			2010
	US$m			US$m			US$m			US$m			US$m
Profit before tax		18,680			22,565			20,649			21,872			19,037
Dividends received from associates		757			694			489			304			441
Share of profit in associates and joint ventures		(2,532	)		(2,325	)		(3,557	)		(3,264	)		(2,517	)
Fixed charges		19,667			19,238			23,056			27,768			23,246
– interest on deposits		12,581			11,874			14,413			17,371			13,305
– rental expense and other charges1		7,086			7,364			8,643			10,397			9,941
Earnings2
– excluding interest on deposits		23,991			28,298			26,224			29,309			26,902
– including interest on deposits		36,572			40,172			40,637			46,680			40,207
Preference share dividends3		728			726			759			699			574
Combined fixed charges and preference share dividends
– excluding interest on deposits		7,814			8,090			9,402			11,096			10,515
– including interest on deposits		20,395			19,964			23,815			28,467			23,820

1 Includes an estimate of the interest in rental expense, charges incurred in respect of subordinated liabilities and interest on preference shares.

2 Includes profit before tax, dividends received from associates, and fixed charges, less share of profit in associates and joint ventures.

3 Dividends on preference shares and other equity instruments.