Form: 10-Q

Quarterly report [Sections 13 or 15(d)]

Exhibit 12.1

 

PRUDENTIAL FINANCIAL, INC.

RATIO OF EARNINGS TO FIXED CHARGES

 

   

Six months
ended

June 30, 2007

 

Three months
ended

June 30, 2007

  Year Ended December 31,  
        2006   2005   2004   2003   2002  
            ($ in millions)      

Earnings:

             

Income from continuing operations before income taxes, extraordinary gain on acquisition and cumulative effect of accounting change

  $ 2,790   $ 1,243   $ 4,716   $ 4,488   $ 3,338   $ 1,948   $ 30  

Undistributed income (loss) of investees accounted for under the equity method

    186     81     101     306     116     94     (37 )

Interest capitalized

    —       —       —       —       —       —       8  
                                           

Adjusted earnings

    2,604     1,162     4,615     4,182     3,222     1,854     59  
                                           

Add fixed charges:

             

Interest credited to policyholders’ account balances

    1,568     725     2,917     2,699     2,359     1,857     1,869  

Gross interest expense(1)

    693     352     1,161     775     492     403     435  

Interest component of rental expense

    31     16     58     64     66     103     150  
                                           

Total fixed charges

    2,292     1,093     4,136     3,538     2,917     2,363     2,454  
                                           

Total earnings plus fixed charges

  $ 4,896   $ 2,255   $ 8,751   $ 7,720   $ 6,139   $ 4,217   $ 2,513  
                                           

Ratio of earnings to fixed charges

    2.14     2.06     2.12     2.18     2.10     1.78     1.02  
                                           

(1) Interest expense on short-term and long-term debt. Includes interest expense of securities businesses reported in “Net investment income” in the Consolidated Statements of Operations, capitalized interest and amortization of debt discounts and premiums.