EXHIBIT 12

Computation of Ratio of Earnings to Fixed Charges

			Three Months Ended		Nine Months Ended
(Dollars in Millions)			September 30, 2006		September 30, 2006
Earnings
1.	Net income			$1,203		$3,557
2.	Applicable income taxes			532		1,678
3.	Income before income taxes (1 + 2)			$1,735		$5,235
4.	Fixed charges:
	a.	Interest expense excluding interest on deposits		$849		$2,276
	b.	Portion of rents representative of interest and amortization of debt expense		18		53
	c.	Fixed charges excluding interest on deposits (4a + 4b)		867		2,329
	d.	Interest on deposits		640		1,721
	e.	Fixed charges including interest on deposits (4c + 4d)		$1,507		$4,050
5.	Amortization of interest capitalized			$—		$—
6.	Earnings excluding interest on deposits (3 + 4c + 5)			2,602		7,564
7.	Earnings including interest on deposits (3 + 4e + 5)			3,242		9,285
8.	Fixed charges excluding interest on deposits (4c)			867		2,329
9.	Fixed charges including interest on deposits (4e)			1,507		4,050
Ratio of Earnings to Fixed Charges
10.	Excluding interest on deposits (line 6/line 8)			3.00		3.25
11.	Including interest on deposits (line 7/line 9)			2.15		2.29