Exhibit 12

Ratio of Earnings to Fixed Charges

	Three Months Ended March 31,					December 31,
($ in millions)	2006			2005		2005			2004		2003		2002		2001
Earnings
Consolidated net income	$	672		$	728	$	2,394		$	2,913	$	2,793	$	1,870	$	1,786
Provision for income taxes		348			375		1,205			1,434		1,591		1,071		1,047
Minority interest in consolidated subsidiaries and loss from equity investees		(8	)		3		(55	)		9		58		60		67
Consolidated income before income taxes, minority interest and loss from equity investees		1,012			1,106		3,544			4,356		4,442		3,001		2,900
Fixed charges		3,624			2,929		12,835			9,700		7,786		7,059		7,839
Earnings available for fixed charges		4,636			4,035		16,379			14,056		12,228		10,060		10,739
Fixed charges
Interest, discount, and issuance expense on debt		3,600			2,904		12,735			9,617		7,706		6,970		7,748
Portion of rentals representative of the interest factor		24			25		100			83		80		89		91
Total fixed charges	$	3,624		$	2,929	$	12,835		$	9,700	$	7,786	$	7,059	$	7,839
Ratio of earnings to fixed charges		1.28			1.38		1.28			1.45		1.57		1.43		1.37