Exhibit (12)(a)

WACHOVIA CORPORATION AND SUBSIDIARIES

COMPUTATIONS OF CONSOLIDATED RATIOS OF EARNINGS TO FIXED CHARGES

		Three
		Months
		Ended			Years Ended December 31,
		March 31,
(In millions)		2008			2007		2006		2005		2004		2003
EXCLUDING INTEREST ON DEPOSITS
Pretax income (loss) from continuing operations		$	(898	)		8,773		11,470		9,462		7,633		6,080
Fixed charges, excluding capitalized interest			2,572			11,458		8,189		4,971		2,701		2,309
Earnings	(A)	$	1,674			20,231		19,659		14,433		10,334		8,389
Interest, excluding interest on deposits		$	2,486			11,140		7,897		4,711		2,474		2,113
One-third of rents			86			318		292		260		227		196
Capitalized interest			-			-		-		-		-		-
Fixed charges (a)	(B)	$	2,572			11,458		8,189		4,971		2,701		2,309
Consolidated ratios of earnings to fixed charges, excluding interest on deposits	(A)/(B)		0.65	X		1.77		2.40		2.90		3.83		3.63
INCLUDING INTEREST ON DEPOSITS
Pretax income (loss) from continuing operations		$	(898)			8,773		11,470		9,462		7,633		6,080
Fixed charges, excluding capitalized interest			5,513			24,419		17,308		10,268		5,554		4,669
Earnings	(C)	$	4,615			33,192		28,778		19,730		13,187		10,749
Interest, including interest on deposits		$	5,427			24,101		17,016		10,008		5,327		4,473
One-third of rents			86			318		292		260		227		196
Capitalized interest			-			-		-		-		-		-
Fixed charges (a)	(D)	$	5,513			24,419		17,308		10,268		5,554		4,669
Consolidated ratios of earnings to fixed charges, including interest on deposits	(C)/(D)		0.84	X		1.36		1.66		1.92		2.37		2.30

(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.