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)			2006			2005		2004		2003		2002		2001
EXCLUDING INTEREST ON DEPOSITS
Pretax income from continuing operations			$	2,612			9,462		7,633		6,080		4,667		2,293
Fixed charges, excluding capitalized interest				1,508			4,971		2,701		2,309		2,414		3,734
Earnings	(A	)	$	4,120			14,433		10,334		8,389		7,081		6,027
Interest, excluding interest on deposits			$	1,438			4,711		2,474		2,113		2,247		3,581
One-third of rents				70			260		227		196		167		153
Capitalized interest				—			—		—		—		—		—
Fixed charges (a)	(B	)	$	1,508			4,971		2,701		2,309		2,414		3,734
Consolidated ratios of earnings to fixed charges, excluding interest on deposits	(A)/	(B)		2.73	X		2.90		3.83		3.63		2.93		1.61
INCLUDING INTEREST ON DEPOSITS
Pretax income from continuing operations			$	2,612			9,462		7,633		6,080		4,667		2,293
Fixed charges, excluding capitalized interest				3,287			10,268		5,554		4,669		5,844		8,478
Earnings	(C	)	$	5,899			19,730		13,187		10,749		10,511		10,771
Interest, including interest on deposits			$	3,217			10,008		5,327		4,473		5,677		8,325
One-third of rents				70			260		227		196		167		153
Capitalized interest				—			—		—		—		—		—
Fixed charges (a)	(D	)	$	3,287			10,268		5,554		4,669		5,844		8,478
Consolidated ratios of earnings to fixed charges, including interest on deposits	(C)/	(D)		1.79	X		1.92		2.37		2.30		1.80		1.27

(a) The amount of fixed charges do not include 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”.