EXHIBIT 99
                     WELLS FARGO & COMPANY AND SUBSIDIARIES
               COMPUTATION OF RATIOS OF EARNINGS TO FIXED CHARGES






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                                                         Quarter ended March 31,
                                                        -----------------------
(in millions)                                             1994             1993
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EARNINGS, INCLUDING INTEREST ON DEPOSITS (1):
  Income before income tax expense                       $ 359            $ 188
  Fixed charges                                            267              305
                                                         -----            -----
                                                         $ 626            $ 493
                                                         =====            =====

Fixed charges (1):
  Interest expense                                       $ 253            $ 292
  Estimated interest component of net rental expense        14               13
                                                         -----            -----
                                                         $ 267            $ 305
                                                         =====            =====

Ratio of earnings to fixed charges (2)                    2.34             1.62
                                                         =====            =====

EARNINGS, EXCLUDING INTEREST ON DEPOSITS:
  Income before income tax expense                       $ 359            $ 188
  Fixed charges                                             71               73
                                                         -----            -----
                                                         $ 430            $ 261
                                                         =====            =====

Fixed charges:
  Interest expense                                       $ 253            $ 292
  Less interest on deposits                               (196)            (232)
  Estimated interest component of net rental expense        14               13
                                                         -----            -----
                                                         $  71            $  73
                                                         =====            =====

Ratio of earnings to fixed charges                        6.06             3.58
                                                         =====            =====
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<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.