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Previous: AMERICAN GENERAL FINANCE INC, 10-Q, 2000-11-13 |
Next: AMERICAN GENERAL FINANCE INC, 10-Q, EX-4, 2000-11-13 |
<PAGE> 21
Exhibit 12
AMERICAN GENERAL FINANCE, INC. AND SUBSIDIARIES
Computation of Ratio of Earnings to Fixed Charges
(Unaudited)
Nine Months Ended
September 30,
2000 1999
(dollars in thousands)
Earnings:
Income before provision for income
taxes $232,957 $251,512
Interest expense 513,917 420,079
Implicit interest in rents 11,977 11,258
Total earnings $758,851 $682,849
Fixed charges:
Interest expense $513,917 $420,079
Implicit interest in rents 11,977 11,258
Total fixed charges $525,894 $431,337
Ratio of earnings to fixed charges 1.44 1.58
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