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(Dollars in millions)		Six months ended June 30, 2001			Year Ended December 31,
					2000			1999			1998			1997			1996
(A) Excluding interest on deposits:
Earnings:
Income before income taxes		$  432			$  914			$  974			$  662			$  568			$  453
Fixed charges		596			1,360			954			856			613			477
Earnings as adjusted		$1,028			$2,274			$1,928			$1,518			$1,181			$  930
Income before income taxes
Pretax income from continuing operations as reported		$  431			$  906			$  968			$  657			$  564			$  447
Share of pretax income (loss) of 50% owned subsidiaries not         included in above		1			8			6			5			4			6
Net income as adjusted		$  432			$  914			$  974			$  662			$  568			$  453
Fixed charges:
Interest on other borrowings		$  545			$1,268			$  874			$  770			$  548			$  452
Interest on long-term debt including amortization of debt issue         costs		46			82			70			66			55			15
Portion of rents representative of the interest factor in long term         lease		5			10			10			20			10			10
Fixed charges		$  596			$1,360			$  954			$  856			$  613			$  477
Ratio of earnings to fixed charges		1.72	x		1.67	x		2.02	x		1.77	x		1.93	x		1.95	x
(B) Including interest on deposits:
Adjusted earnings from (A) above		$1,028			$2,274			$1,928			$1,518			$1,181			$  930
Add interest on deposits		511			1,012			712			656			512			425
Earnings as adjusted		$1,539			$3,286			$2,640			$2,174			$1,693			$1,355
Fixed charges:
Fixed charges from (A) above		$  596			$1,360			$  954			$  856			$  613			$  477
Interest on deposits		511			1,012			712			656			512			425
Adjusted fixed charges		$1,107			$2,372			$1,666			$1,512			$1,125			$  902
Adjusted earnings to adjusted fixed charges		1.39	x		1.39	x		1.58	x		1.44	x		1.50	x		1.50	x

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