Exhibit 12

Ratio of Earnings to Fixed Charges

	Six Months Ended June 30,		Years Ended December 31,
($ in millions)	2003		2002		2001		2000		1999		1998
Fixed Charges
Interest and discount expense (a)	$	3,652	$	6,869	$	7,599	$	8,295	$	6,526	$	5,787
Estimated interest within rental expense		49		96		108		105		98		79
		3,701		6,965		7,707		8,400		6,624		5,866
Earnings
Pretax income from continuing operations before adjustments for minority interests in consolidated subsidiaries or income or loss from equity investees		2,478		3,001		2,900		2,580		2,513		1,957
Fixed charges		3,701		6,965		7,707		8,400		6,624		5,866
	$	6,179	$	9,966	$	10,607	$	10,980	$	9,137	$	7,823
Ratio of earnings to fixed charges		1.67		1.43		1.38		1.31		1.38		1.33

(a) Excludes the effect of gains or losses on derivatives related to debt.