EXHIBIT 12

Computation of Ratio of Earnings to Fixed Charges

Year Ended December 31 (Dollars in Millions)		2007		2006		2005		2004		2003
Earnings
1.	Income from continuing operations	$	4,324	$	4,751	$	4,489	$	4,167	$	3,710
2.	Applicable income taxes		1,883		2,112		2,082		2,009		1,941
3.	Income from continuing operations before income taxes (1 + 2)	$	6,207	$	6,863	$	6,571	$	6,176	$	5,651
4.	Fixed charges:
	a. Interest expense excluding interest on deposits	$	3,693	$	3,133	$	1,937	$	1,171	$	972
	b. Portion of rents representative of interest		76		71		70		69		74
	c. Fixed charges excluding interest on deposits (4a + 4b)		3,769		3,204		2,007		1,240		1,046
	d. Interest on deposits		2,754		2,389		1,559		904		1,097
	e. Fixed charges including interest on deposits (4c + 4d)	$	6,523	$	5,593	$	3,566	$	2,144	$	2,143
5.	Amortization of interest capitalized	$	—	$	—	$	—	$	—	$	—
6.	Earnings excluding interest on deposits (3 + 4c + 5)		9,976		10,067		8,578		7,416		6,697
7.	Earnings including interest on deposits (3 + 4e + 5)		12,730		12,456		10,137		8,320		7,794
8.	Fixed charges excluding interest on deposits (4c)		3,769		3,204		2,007		1,240		1,046
9.	Fixed charges including interest on deposits (4e)		6,523		5,593		3,566		2,144		2,143
Ratio of Earnings to Fixed Charges
10.	Excluding interest on deposits (line 6/line 8)		2.65		3.14		4.27		5.98		6.40
11.	Including interest on deposits (line 7/line 9)		1.95		2.23		2.84		3.88		3.64