Exhibit 7.1

Computation of ratios of earnings to combined fixed charges (and preference share dividends)

For the purpose of calculating the ratios, earnings consist of income from continuing operations before taxation and non-controlling interests, plus fixed charges, and after deduction of the unremitted pre-tax income of associated undertakings. Fixed charges consist of total interest expense, including or excluding interest on deposits, as appropriate, dividends on preference shares and other equity instruments, as applicable, and the proportion of rental expense deemed representative of the interest factor.

	2015			2014			2013			2012			2011
	$m			$m			$m			$m			$m
Profit before tax		18,867			18,680			22,565			20,649			21,872
Dividends received from associates		879			757			694			489			304
Share of profit in associates and joint ventures		(2,556	)		(2,532	)		(2,325	)		(3,557	)		(3,264	)
Fixed charges		17,250			19,667			19,238			23,056			27,768
– interest on deposits		10,846			12,581			11,874			14,413			17,371
– rental expense and other charges1		6,404			7,086			7,364			8,643			10,397
Earnings2
– excluding interest on deposits		23,594			23,991			28,298			26,224			29,309
– including interest on deposits		34,440			36,572			40,172			40,637			46,680
Preference share dividends3		1,334			728			726			759			699
Combined fixed charges and preference share dividends
– excluding interest on deposits		7,738			7,814			8,090			9,402			11,096
– including interest on deposits		18,584			20,395			19,964			23,815			28,467

1 Includes an estimate of the interest in rental expense, charges incurred in respect of subordinated liabilities and interest on preference shares.

2 Includes profit before tax, dividends received from associates, and fixed charges, less share of profit in associates and joint ventures.

3 Dividends on preference shares and other equity instruments.