Exhibit (12)(a)

WACHOVIA CORPORATION AND SUBSIDIARIES

COMPUTATIONS OF CONSOLIDATED RATIOS OF EARNINGS TO FIXED CHARGES

		Six
		Months
		Ended			Years Ended December 31,
		June 30,
(In millions)		2007			2006		2005		2004		2003		2002
EXCLUDING INTEREST ON DEPOSITS
Pretax income from continuing operations		$	6,781			11,470		9,462		7,633		6,080		4,667
Fixed charges, excluding capitalized interest			5,501			8,189		4,971		2,701		2,309		2,414
Earnings	(A)	$	12,282			19,659		14,433		10,334		8,389		7,081
Interest, excluding interest on deposits		$	5,347			7,897		4,711		2,474		2,113		2,247
One-third of rents			154			292		260		227		196		167
Capitalized interest			-			-		-		-		-		-
Fixed charges (a)	(B)	$	5,501			8,189		4,971		2,701		2,309		2,414
Consolidated ratios of earnings to fixed charges, excluding interest on deposits	(A)/(B)		2.23	X		2.40		2.90		3.83		3.63		2.93
INCLUDING INTEREST ON DEPOSITS
Pretax income from continuing operations		$	6,781			11,470		9,462		7,633		6,080		4,667
Fixed charges, excluding capitalized interest			11,782			17,308		10,268		5,554		4,669		5,844
Earnings	(C)	$	18,563			28,778		19,730		13,187		10,749		10,511
Interest, including interest on deposits		$	11,628			17,016		10,008		5,327		4,473		5,677
One-third of rents			154			292		260		227		196		167
Capitalized interest			-			-		-		-		-		-
Fixed charges (a)	(D)	$	11,782			17,308		10,268		5,554		4,669		5,844
Consolidated ratios of earnings to fixed charges, including interest on deposits	(C)/(D)		1.58	X		1.66		1.92		2.37		2.30		1.80

(a) Fixed charges do not include: 1) other obligations which exist under Financial Accounting Standards Board Interpretation No. 45, “Guarantor’s Accounting and Disclosure Requirements for Guarantees, Including Indirect Guarantees of Indebtedness of Others,” and 2) interest on uncertain income tax positions.