Exhibit 12.2
Fifth Third Bancorp
Computations of Consolidated Ratios Of Earnings To Combined Fixed Charges and Preferred Stock Dividend Requirements
($ in millions)
| Three months ended 9/30/07 | Nine months ended 9/30/07 | ||||
Excluding Interest on Deposits | |||||
Fixed Charges: | |||||
Interest Expense (excluding interest on deposits) | $ | 264 | 734 | ||
One-Third of Rents, Net of Income from Subleases | 6 | 18 | |||
Preferred Stock Dividends | — | 1 | |||
Total Fixed Charges | $ | 270 | 753 | ||
Earnings: | |||||
Income Before Income Taxes | $ | 443 | 1,473 | ||
Fixed Charges, Excluding Preferred Stock Dividends | 270 | 753 | |||
Total Earnings | $ | 713 | 2,226 | ||
Ratio of Earnings to Fixed Charges, | |||||
Excluding Interest On Deposits | 2.64x | 2.96x | |||
Including Interest on Deposits | |||||
Fixed Charges: | |||||
Interest Expense | $ | 775 | 2,248 | ||
One-Third of Rents, Net of Income from Subleases | 6 | 18 | |||
Preferred Stock Dividends | — | 1 | |||
Total Fixed Charges | $ | 781 | 2,267 | ||
Earnings: | |||||
Income Before Income Taxes | $ | 443 | 1,473 | ||
Fixed Charges, Excluding Preferred Stock Dividends | 781 | 2,267 | |||
Total Earnings | $ | 1,224 | 3,740 | ||
Ratio of Earnings to Fixed Charges, | |||||
Including Interest On Deposits | 1.57x | 1.65x | |||