EXHIBIT 12

Computation of Ratio of Earnings to Fixed Charges

Year Ended December 31 (Dollars in Millions)		2005		2004		2003		2002		2001
Earnings
1.	Income from continuing operations	$	4,489	$	4,167	$	3,710	$	3,228	$	1,524
2.	Applicable income taxes		2,082		2,009		1,941		1,708		818
3.	Income from continuing operations before income taxes (1 + 2)	$	6,571	$	6,176	$	5,651	$	4,936	$	2,342
4.	Fixed charges:
	a. Interest expense excluding interest on deposits	$	1,937	$	1,171	$	972	$	1,195	$	1,768
	b. Portion of rents representative of interest		70		69		74		78		89
	c. Fixed charges excluding interest on deposits (4a + 4b)		2,007		1,240		1,046		1,273		1,857
	d. Interest on deposits		1,559		904		1,097		1,485		2,828
	e. Fixed charges including interest on deposits (4c + 4d)	$	3,566	$	2,144	$	2,143	$	2,758	$	4,685
5.	Amortization of interest capitalized	$	—	$	—	$	—	$	—	$	—
6.	Earnings excluding interest on deposits (3 + 4c + 5)		8,578		7,416		6,697		6,209		4,199
7.	Earnings including interest on deposits (3 + 4e + 5)		10,137		8,320		7,794		7,694		7,027
8.	Fixed charges excluding interest on deposits (4c)		2,007		1,240		1,046		1,273		1,857
9.	Fixed charges including interest on deposits (4e)		3,566		2,144		2,143		2,758		4,685
Ratio of Earnings to Fixed Charges
10.	Excluding interest on deposits (line 6/line 8)		4.27		5.98		6.40		4.88		2.26
11.	Including interest on deposits (line 7/line 9)		2.84		3.88		3.64		2.79		1.50