EXHIBIT 12(a)
                      WELLS FARGO & COMPANY AND SUBSIDIARIES
                COMPUTATION OF RATIOS OF EARNINGS TO FIXED CHARGES 
   



                           
                           
                                                                          Year ended December 31,
                                 ___________________________________________________________________________________________________
(in millions)                      1993           1992                1991                1990                1989              
                                                                                                              
Earnings, including
  interest on
  deposits(1):
Income before
  income tax expense           $  1,038           $    500            $     54            $  1,196            $  1,001          
Fixed charges                     1,157              1,505               2,504               2,784               2,759          
                               ________           ________            ________            ________            ________          
                               $  2,195           $  2,005            $  2,558            $  3,980            $  3,760          
                               ________            ________           ________            ________            ________          

                               ________            ________           ________            ________            ________
Fixed charges(1):
  Interest expense             $  1,104           $  1,454            $  2,452            $  2,737            $  2,712          
  Estimated interest
   component of net
   rental expense                    53                 51                  52                  47                  47          
                               ________           ________            ________            ________            ________          
                               $  1,157           $  1,505            $  2,504            $  2,784            $  2,759          
                               ________           ________            ________            ________            ________          
                               ________           ________            ________            ________            ________          
Ratio of earnings to
  fixed charges(2)                 1.90               1.33                1.02                1.43                1.36          
                               ________           ________            ________            ________            ________          
                               ________           ________            ________            ________            ________          


Earnings, excluding 
interest on deposits:
  Income before income
   tax expense                 $  1,038           $    500            $     54            $  1,196            $  1,001          
  Fixed Charges                     294                320                 539                 839                 949          
                               ________           ________            ________            _______             ________          
                               $  1,332           $    820            $    593            $  2,035            $  1,950          
                               ________           ________            ________            ________            ________          
                               ________           ________            ________            ________            ________          

Fixed Charges:
  Interest Expense             $  1,104           $  1,454            $  2,452            $  2,737            $  2,712          
  Less interest on 
   deposits                        (863)            (1,185)             (1,965)             (1,945)             (1,810)         
  Estimated interest 
  component of net
  rental expense                     53                 51                  52                  47                  47          
                               ________           ________            ________            ________            ________          
                               $    294           $    320            $    539            $    839            $    949          
                               ________           ________            ________            ________            ________          
                               ________           ________            ________            ________            ________          

Ratio of earnings to
  fixed charges                    4.53               2.56                1.10                2.42                2.05          
                               ________           ________            ________            ________            ________          

                               ________           ________            ________            ________            ________          
<FN>
(1)  As defined in Item 503(d) of Regulation S-K.
(2)  These computations are included herein in compliance with Securities and
Exchange Commission regulations.  However, management believes that fixed charge
ratios are not meaningful measures for the business of the Company because of
two factors.  First, even if there were no change in net income, the ratios
would decline with an increase in the proportion of income which is tax-exempt
or, conversely, they would increase with a decrease in the proportion of income
which is tax-exempt.  Second, even if there were no change in net income,
the ratios would decline if interest income and interest expense increase by
the same amount due to an increase in the level of interest rates or,
conversely, they would increase if interest income and interest expense
decrease by the same amount due to a decrease in the level of interest rates.

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