Exhibit 12(a)
Fifth Third Bancorp
Computations of Consolidated Ratios Of Earnings To Fixed Charges
($ In Millions)
Nine Months Ended 9/30/2006 | Year Ended December 31, | ||||||||||||||||||
2005 | 2004 | 2003 | 2002 | 2001 | |||||||||||||||
Excluding Interest on Deposits: | |||||||||||||||||||
Fixed Charges: | |||||||||||||||||||
Interest Expense (excluding interest on deposits) | $ | 884 | 882 | 563 | 498 | 502 | 726 | ||||||||||||
One-Third of Rents, Net of Income from Subleases | 16 | 19 | 15 | 14 | 11 | 14 | |||||||||||||
Total Fixed Charges | $ | 900 | 901 | 578 | 512 | 513 | 740 | ||||||||||||
Earnings: | |||||||||||||||||||
Income Before Income Taxes, Minority Interest & Cumulative Effect of Accounting Change | $ | 1,575 | 2,208 | 2,237 | 2,438 | 2,299 | 1,530 | ||||||||||||
Fixed Charges | 900 | 901 | 578 | 512 | 513 | 740 | |||||||||||||
Total Earnings | $ | 2,475 | 3,109 | 2,815 | 2,950 | 2,812 | 2,270 | ||||||||||||
Ratio of Earnings to Fixed Charges, Excluding | |||||||||||||||||||
Interest On Deposits | 2.75 | x | 3.45 | x | 4.87 | x | 5.76 | x | 5.48 | x | 3.07 | x | |||||||
Including Interest on Deposits: | |||||||||||||||||||
Fixed Charges: | |||||||||||||||||||
Interest Expense | $ | 2,276 | 2,030 | 1,102 | 1,086 | 1,430 | 2,278 | ||||||||||||
One-Third of Rents, Net of Income from Subleases | 16 | 19 | 15 | 14 | 11 | 14 | |||||||||||||
Total Fixed Charges | $ | 2,292 | 2,049 | 1,117 | 1,100 | 1,441 | 2,292 | ||||||||||||
Earnings: | |||||||||||||||||||
Income Before Income Taxes, Minority Interest & Cumulative Effect of Accounting Change | $ | 1,575 | 2,208 | 2,237 | 2,438 | 2,299 | 1,530 | ||||||||||||
Fixed Charges | 2,292 | 2,049 | 1,117 | 1,100 | 1,441 | 2,292 | |||||||||||||
Total Earnings | $ | 3,867 | 4,257 | 3,354 | 3,538 | 3,740 | 3,822 | ||||||||||||
Ratio of Earnings to Fixed Charges, Including | |||||||||||||||||||
Interest On Deposits | 1.69 | x | 2.08 | x | 3.00 | x | 3.22 | x | 2.60 | x | 1.67 | x | |||||||