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National City Corporation
Computation of Ratio of Earnings to Fixed Charges (Unaudited)
 Year Ended December 31(Dollars in Thousands)
    
    2007
    
    2006
    
    2005
    
    2004
    
    2003COMPUTATION EXCLUDINGPREFERRED STOCK
DIVIDENDS:Income before income tax expense
    
    $
    370,677
    
    
    $
    3,422,636
    
    
    $
    2,965,416
    
    
    $
    4,077,940
    
    
    $
    3,237,466Interest on nondeposit interest bearing
liabilities
    
    
    1,798,691
    
    
    
    1,909,843
    
    
    
    1,431,470
    
    
    
    697,204
    
    
    
    738,085Portion of rental expense deemed
representative of interest
    
    
    52,515
    
    
    
    53,835
    
    
    
    59,190
    
    
    
    40,592
    
    
    
    37,116Total income for computation excluding
interest on deposits
    
    
    2,221,883
    
    
    
    5,386,314
    
    
    
    4,456,076
    
    
    
    4,815,736
    
    
    
    4,012,667Interest on deposits
    
    
    2,990,671
    
    
    
    2,420,316
    
    
    
    1,604,601
    
    
    
    896,131
    
    
    
    891,731Total income for computation including
interest on deposits
    
    $
    5,212,554
    
    
    $
    7,806,630
    
    
    $
    6,060,677
    
    
    $
    5,711,867
    
    
    $
    4,904,398Fixed charges excluding interest on deposits
    
    $
    1,851,206
    
    
    $
    1,963,678
    
    
    $
    1,490,660
    
    
    $
    737,796
    
    
    $
    775,201Fixed charges including interest on deposits
    
    $
    4,841,877
    
    
    $
    4,383,994
    
    
    $
    3,095,261
    
    
    $
    1,633,927
    
    
    $
    1,666,932Ratio excluding interest on deposits
    
    
    1.20x
    
    
    
    2.74x
    
    
    
    2.99x
    
    
    
    6.53x
    
    
    
    5.18xRatio including interest on deposits
    
    
    1.08x
    
    
    
    1.78x
    
    
    
    1.96x
    
    
    
    3.50x
    
    
    
    2.94xCOMPUTATION INCLUDINGPREFERRED STOCK
DIVIDENDS:Total income for computation excluding interest
on deposits
    
    $
    2,221,883
    
    
    $
    5,386,314
    
    
    $
    4,456,076
    
    
    $
    4,815,736
    
    
    $
    4,012,667Total income for computation including
interest on deposits
    
    $
    5,212,554
    
    
    $
    7,806,630
    
    
    $
    6,060,677
    
    
    $
    5,711,867
    
    
    $
    4,904,398Fixed charges excluding interest on
deposits and preferred stock dividends
    
    $
    1,851,206
    
    
    $
    1,963,678
    
    
    $
    1,490,660
    
    
    $
    737,796
    
    
    $
    775,201Pretax preferred stock dividends
    
    
    2,118
    
    
    
    2,536
    
    
    
    2,416
    
    
    
    1,208
    
    
    
    Fixed charges including preferred stock
dividends, excluding interest on deposits
    
    
    1,853,324
    
    
    
    1,966,214
    
    
    
    1,493,076
    
    
    
    739,004
    
    
    
    775,201Interest on deposits
    
    
    2,990,671
    
    
    
    2,420,316
    
    
    
    1,604,601
    
    
    
    896,131
    
    
    
    891,731Fixed charges including interest on
deposits and preferred stock dividends
    
    $
    4,843,995
    
    
    $
    4,386,530
    
    
    $
    3,097,677
    
    
    $
    1,635,135
    
    
    $
    1,666,932Ratio excluding interest on deposits
    
    
    1.20x
    
    
    
    2.74x
    
    
    
    2.98x
    
    
    
    6.52x
    
    
    
    5.18xRatio including interest on deposits
    
    
    1.08x
    
    
    
    1.78x
    
    
    
    1.96x
    
    
    
    3.49x
    
    
    
    2.94xCOMPONENTS OF FIXED CHARGES(a):Interest:Interest on deposits
    
    $
    2,990,671
    
    
    $
    2,420,316
    
    
    $
    1,604,601
    
    
    $
    896,131
    
    
    $
    891,731Interest on nondeposit interest bearing
liabilities
    
    
    1,798,691
    
    
    
    1,909,843
    
    
    
    1,431,470
    
    
    
    697,204
    
    
    
    738,085Total interest charges
    
    $
    4,789,362
    
    
    $
    4,330,159
    
    
    $
    3,036,071
    
    
    $
    1,593,335
    
    
    $
    1,629,816Rental Expense:Rental expense
    
    $
    159,135
    
    
    $
    163,136
    
    
    $
    179,363
    
    
    $
    123,005
    
    
    $
    112,474Portion of rental expense deemed
representative of interest
    
    
    52,515
    
    
    
    53,835
    
    
    
    59,190
    
    
    
    40,592
    
    
    
    37,116Preferred Stock Charge:Preferred stock dividends
    
    
    1,794
    
    
    
    1,704
    
    
    
    1,616
    
    
    
    785
    
    
    
    Pretax preferred dividends
    
    
    2,118
    
    
    
    2,536
    
    
    
    2,416
    
    
    
    1,208
    
    
    
    
 (a)
    
    Fixed charges exclude interest on uncertain tax positions which is classified within the
income tax provision in the consolidated statements of income.