Exhibit 12

Ratio of Earnings to Fixed Charges

	Six Months Ended June 30,		Years Ended December 31,
($ in millions)	2004		2003		2002		2001		2000		1999
Earnings
Consolidated net income	$	1,646	$	2,793	$	1,870	$	1,786	$	1,602	$	1,527
Provision for income taxes		948		1,591		1,071		1,047		954		960
Minority interest in consolidated subsidiaries and loss from equity investees		1		58		60		67		24		26
Consolidated income before income taxes, minority interest and loss from equity investees		2,595		4,442		3,001		2,900		2,580		2,513
Fixed charges		4,435		7,786		7,059		7,839		8,528		6,811
Earnings available for fixed charges		7,030		12,228		10,060		10,739		11,108		9,324
Fixed Charges
Interest, debt, discount and expense		4,391		7,706		6,970		7,748		8,423		6,713
Portion of rentals representative of the interest factor		44		80		89		91		105		98
Total fixed charges	$	4,435	$	7,786		7,059		7,839		8,528		6,811
Ratio of earnings to fixed charges		1.59		1.57		1.43		1.37		1.30		1.37