| Three months ended March 31, (in millions, except ratios) | 2015 | ||
| Excluding interest on deposits | |||
| Income before income tax expense | $ | 8,224 | |
| Fixed charges: | |||
| Interest expense | 1,524 | ||
One-third of rents, net of income from subleases (a) | 135 | ||
| Total fixed charges | 1,659 | ||
| Add: Equity in undistributed loss of affiliates | 39 | ||
| Income before income tax expense and fixed charges, excluding capitalized interest | $ | 9,922 | |
| Fixed charges, as above | $ | 1,659 | |
| Ratio of earnings to fixed charges | 5.98 | ||
| Including interest on deposits | |||
| Fixed charges, as above | $ | 1,659 | |
| Add: Interest on deposits | 364 | ||
| Total fixed charges and interest on deposits | $ | 2,023 | |
| Income before income tax expense and fixed charges, excluding capitalized interest, as above | $ | 9,922 | |
| Add: Interest on deposits | 364 | ||
| Total income before income tax expense, fixed charges and interest on deposits | $ | 10,286 | |
| Ratio of earnings to fixed charges | 5.08 | ||
| (a) | The proportion deemed representative of the interest factor. |
