EXHIBIT 12
 
                   STATEMENT REGARDING COMPUTATION OF RATIOS
 
  The ratios of earnings to fixed charges for First Chicago NBD 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.