EXHIBIT 12

Computation of Ratio of Earnings to Fixed Charges

Year Ended December 31 (Dollars in Millions)	2006		2005		2004		2003		2002
Earnings
1. Income from continuing operations	$	4,751	$	4,489	$	4,167	$	3,710	$	3,228
2. Applicable income taxes		2,112		2,082		2,009		1,941		1,708
3. Income from continuing operations before income taxes (1 + 2)	$	6,863	$	6,571	$	6,176	$	5,651	$	4,936
4. Fixed charges:
a. Interest expense excluding interest on deposits	$	3,133	$	1,937	$	1,171	$	972	$	1,195
b. Portion of rents representative of interest		71		70		69		74		78
c. Fixed charges excluding interest on deposits (4a + 4b)		3,204		2,007		1,240		1,046		1,273
d. Interest on deposits		2,389		1,559		904		1,097		1,485
e. Fixed charges including interest on deposits (4c + 4d)	$	5,593	$	3,566	$	2,144	$	2,143	$	2,758
5. Amortization of interest capitalized	$	—	$	—	$	—	$	—	$	—
6. Earnings excluding interest on deposits (3 + 4c + 5)		10,067		8,578		7,416		6,697		6,209
7. Earnings including interest on deposits (3 + 4e + 5)		12,456		10,137		8,320		7,794		7,694
8. Fixed charges excluding interest on deposits (4c)		3,204		2,007		1,240		1,046		1,273
9. Fixed charges including interest on deposits (4e)		5,593		3,566		2,144		2,143		2,758
Ratio of Earnings to Fixed Charges
10. Excluding interest on deposits (line 6/line 8)		3.14		4.27		5.98		6.40		4.88
11. Including interest on deposits (line 7/line 9)		2.23		2.84		3.88		3.64		2.79