Exhibit (12)(a)
 WACHOVIA CORPORATION AND SUBSIDIARIES  COMPUTATIONS OF CONSOLIDATED RATIOS OF EARNINGS TO FIXED CHARGES
 
 SixMonthsEnded
    
    
    Years Ended December 31,June 30,(In millions)
    
    
    
    
    2008
    
    
    2007

    
    
    2006
    
    2005
    
    
    2004
    
    
    2003EXCLUDING INTEREST ON DEPOSITSPretax income (loss) from continuing operations
    
    
    
    
    
    $
    (11,776
    )
    
    
    8,773
    
    
    
    11,470
    
    
    
    9,462
    
    
    
    7,633
    
    
    
    6,080Fixed
charges, excluding capitalized interest
    
    
    
    
    
    
    4,837
    
    
    
    11,458
    
    
    
    8,189
    
    
    
    4,971
    
    
    
    2,701
    
    
    
    2,309Earnings (loss)
    
    
    (A)
    
    
    $
    (6,939
    )
    
    
    20,231
    
    
    
    19,659
    
    
    
    14,433
    
    
    
    10,334
    
    
    
    8,389Interest, excluding interest on deposits
    
    
    
    
    
    $
    4,666
    
    
    
    11,140
    
    
    
    7,897
    
    
    
    4,711
    
    
    
    2,474
    
    
    
    2,113One-third of rents
    
    
    
    
    
    
    171
    
    
    
    318
    
    
    
    292
    
    
    
    260
    
    
    
    227
    
    
    
    196Capitalized interest
    
    
    
    
    
    
    -
    
    
    
    -
    
    
    
    -
    
    
    
    -
    
    
    
    -
    
    
    
    -Fixed charges (a)
    
    
    (B)
    
    
    $
    4,837
    
    
    
    11,458
    
    
    
    8,189
    
    
    
    4,971
    
    
    
    2,701
    
    
    
    2,309Consolidated
ratios of earnings (loss) to fixed charges, excluding interest on deposits
    
    
    (A)/(B)
    
    
    
    (1.43
    )  X
    
    
    1.77
    
    
    
    2.40
    
    
    
    2.90
    
    
    
    3.83
    
    
    
    3.63INCLUDING INTEREST ON DEPOSITSPretax
income (loss) from continuing operations
    
    
    
    
    
    $
    (11,776
    )
    
    
    8,773
    
    
    
    11,470
    
    
    
    9,462
    
    
    
    7,633
    
    
    
    6,080Fixed charges, excluding capitalized interest
    
    
    
    
    
    
    9,954
    
    
    
    24,419
    
    
    
    17,308
    
    
    
    10,268
    
    
    
    5,554
    
    
    
    4,669Earnings (loss)
    
    
    (C)
    
    
    $
    (1,822
    )
    
    
    33,192
    
    
    
    28,778
    
    
    
    19,730
    
    
    
    13,187
    
    
    
    10,749Interest, including interest on deposits
    
    
    
    
    
    $
    9,783
    
    
    
    24,101
    
    
    
    17,016
    
    
    
    10,008
    
    
    
    5,327
    
    
    
    4,473One-third of rents
    
    
    
    
    
    
    171
    
    
    
    318
    
    
    
    292
    
    
    
    260
    
    
    
    227
    
    
    
    196Capitalized interest
    
    
    
    
    
    
    -
    
    
    
    -
    
    
    
    -
    
    
    
    -
    
    
    
    -
    
    
    
    -Fixed charges (a)
    
    
    (D)
    
    
    $
    9,954
    
    
    
    24,419
    
    
    
    17,308
    
    
    
    10,268
    
    
    
    5,554
    
    
    
    4,669Consolidated ratios of earnings (loss) to fixed charges, including interest on deposits
    
    
    (C)/(D)
    
    
    
    (0.18
    )  X
    
    
    1.36
    
    
    
    1.66
    
    
    
    1.92
    
    
    
    2.37
    
    
    
    2.30