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Exhibit 12
STATEMENT REGARDING COMPUTATION OF RATIOS
The ratios of earnings to fixed charges for BANK ONE CORPORATION have been
computed on the basis of the total enterprise (as defined by the Securities and
Exchange Commission) by dividing earnings before fixed charges and income taxes
by fixed charges. Fixed charges consist principally of interest expense on all
long-term and short-term borrowings, excluding or including interest on deposits
as indicated.
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