COMPUTATION OF RATIO OF EARNINGS TO FIXED CHARGES

Published on May 12, 1995



EXHIBIT 12





MERRILL LYNCH & CO., INC. AND SUBSIDIARIES
COMPUTATION OF RATIO OF EARNINGS TO FIXED CHARGES
(Dollars In Thousands)



For the Three Months
Ended
-------------------------
March 31, April 1,
1995 1994
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Pretax earnings from continuing operations... $ 378,792 $ 652,208

Deduct equity in undistributed net earnings
of unconsolidated subsidiaries.............. - (3,048)
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Total pretax earnings from continuing
operations.................................. 378,792 649,160
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Add: Fixed Charges(A)

Interest............................. 2,781,009 1,899,427

Amortization of debt expense......... 709 797
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Total interest......................... 2,781,718 1,900,224

Interest factor in rents............... 32,355 33,564
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Total fixed charges.......................... 2,814,073 1,933,788
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Pretax earnings before fixed charges......... $3,192,865 $2,582,948
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Ratio of earnings to fixed charges........... 1.13 1.34
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(A) There was no capitalized interest for the 1995 and 1994 first quarters.