Fifth Third Bancorp (FITB) 8-K Fifth Third Bancorp Reports 2007 Earnings of $2.03

Exhibit 99.3

January 2008

ANNUAL FINANCIAL SUPPLEMENT

Investment Community Member:

To assist in your financial analysis, the following supplement of most requested information concerning Fifth Third Bancorp is provided.

Numbers are unaudited for year-end information.

If you need further information, please fax or e-mail your request to Fifth Third’s Investor Relations Department at (513) 534-3945 or

Jeff.Richardson@53.com

Jeff Richardson	Jim Eglseder
SVP/Investor Relations	VP/Investor Relations
(513) 534-0983	(513) 534-8424

Yearly Data

	Years Ended December 31,
	2007		2006		2005		2004		2003
Ratios (percent)
Return on average assets		1.07		1.13		1.50		1.61		1.90
Return on average equity		11.4		12.1		16.6		17.2		19.0
Average equity as a percent of average assets		9.35		9.32		9.06		9.34		10.01
Net interest margin (b)		3.36		3.06		3.23		3.48		3.62
Efficiency (b)		61.1		60.5		53.2		53.9		47.0
Net losses charged off as a percent of average loans and leases		0.61		0.44		0.45		0.45		0.63
Allowance for loan and lease losses as a percent of loans and leases		1.17		1.04		1.06		1.19		1.33
Allowance for credit losses as a percent of loans and leases		1.29		1.14		1.16		1.31		1.47
Nonperforming assets as a percent of loans, leases and other assets, including OREO		1.32		0.61		0.52		0.51		0.61
Allowance for loan and lease losses as a percent of nonperforming assets		88.06		169.62		206.03		235.32		218.85
Allowance for credit losses as a percent of nonperforming assets		96.99		186.33		225.33		259.05		242.01
Common Share Data
Earnings per share	$	2.04	$	2.14	$	2.79	$	2.72	$	2.91
Earnings per diluted share		2.03		2.13		2.77		2.68		2.87
Cash dividends per common share		1.70		1.58		1.46		1.31		1.13
Book value per share		17.24		18.02		17.00		16.00		15.29
Common shares outstanding, excluding treasury		532,671,925		556,252,674		555,623,430		557,648,989		566,685,301
Market price per share:
High	$	43.32	$	41.57	$	48.12	$	60.00	$	62.15
Low		24.82		35.86		35.04		45.32		47.05
Close		25.13		40.93		37.72		47.30		59.10
Price/earnings ratio (a)		12.44		19.13		13.57		17.65		20.59
Supplemental Data
Common dividends declared ($ in millions)	$	914	$	880	$	810	$	735	$	645
Full-time equivalent employees		21,683		21,362		21,681		19,659		18,899
Banking centers		1,227		1,150		1,119		1,011		952

(a) Based on the most recent twelve-month earnings per diluted share and end of period stock prices.

(b) Presented on a fully taxable equivalent basis (“FTE”).

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Yearly Data

	Years Ended December 31,
	2007			2006			2005			2004			2003
Income Statement ($ in millions)
Interest income (FTE)	$	6,051		$	5,981		$	5,026		$	4,150		$	4,030
Interest expense		3,018			3,082			2,030			1,102			1,086
Net interest income (FTE)		3,033			2,899			2,996			3,048			2,944
Provision for loan and lease losses		628			343			330			268			399
Noninterest income:
Electronic payment processing revenue		989			857			748			631			593
Service charges on deposits		579			517			522			515			485
Investment advisory revenue		382			367			358			363			335
Corporate banking revenue		367			318			299			228			241
Mortgage banking net revenue		133			155			174			178			302
Other noninterest income		176			300			360			587			443
Securities gains (losses), net		21			(364	)		39			(37	)		81
Securities gains, net – non-qualifying hedges on mortgage servicing rights		6			3			—			—			3
Total noninterest income		2,653			2,153			2,500			2,465			2,483
Noninterest expense:
Salaries, wages, and incentives		1,239			1,174			1,133			1,018			1,031
Employee benefits		278			292			283			261			240
Payment processing expense		407			325			272			224			200
Net occupancy expense		269			245			221			185			159
Technology and communications		169			141			142			120			106
Equipment expense		123			116			105			84			82
Other noninterest expense		990			763			771			1,080			733
Total noninterest expense		3,475			3,056			2,927			2,972			2,551
Income from continuing operations before income taxes, minority interest and cumulative effect (FTE)		1,583			1,653			2,239			2,273			2,477
Taxable equivalent adjustment		24			26			31			36			39
Income from continuing operations before income taxes, minority interest and cumulative effect		1,559			1,627			2,208			2,237			2,438
Applicable income taxes		461			443			659			712			786
Income from continuing operations before minority interest and cumulative effect		1,098			1,184			1,549			1,525			1,652
Minority interest, net of tax		—			—			—			—			(20	)
Income from continuing operations before cumulative effect		1,098			1,184			1,549			1,525			1,632
Income from discontinued operations, net of tax (a)		—			—			—			—			44
Income before cumulative effect		1,098			1,184			1,549			1,525			1,676
Cumulative effect of change in accounting principle, net of tax		—			4			—			—			(11	)
Net income	$	1,098		$	1,188		$	1,549		$	1,525		$	1,665
Net income available to common shareholders (b)	$	1,097		$	1,188		$	1,548		$	1,524		$	1,664
Regulatory Capital Data ($ in millions) (c)
Tier I capital	$	8,931		$	8,625		$	8,209		$	8,522		$	8,168
Tier II capital		2,809			2,760			2,031			1,654			1,824
Total risk-based capital	$	11,740		$	11,385		$	10,240		$	10,176		$	9,992
Total risk-weighted assets	$	115,775		$	102,823		$	98,293		$	82,633		$	74,477
Tier I capital ratio		7.71	%		8.39	%		8.35	%		10.31	%		10.97	%
Total risk-based capital ratio		10.14	%		11.07	%		10.42	%		12.31	%		13.42	%
Tier I leverage ratio		8.51	%		8.44	%		8.08	%		8.89	%		9.11	%

(a) Includes gain on sale of discontinued operations of $40 million, net of tax, in 2003.

(b) Dividends on preferred stock are $.740 million for all years presented.

(c) 2007 regulatory capital data and ratios are estimated.

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Yearly Data

	As of December 31,
	2007			2006			2005			2004			2003
Balance Sheet ($ in millions, except share data)
Assets
Cash and due from banks	$	2,687		$	2,737		$	3,078		$	2,561		$	2,359
Available-for-sale securities		10,677			11,053			21,924			24,687			28,999
Held-to-maturity securities		355			356			389			255			135
Trading securities		171			187			117			77			55
Other short-term investments		593			809			158			532			268
Total cash and securities		14,483			15,142			25,666			28,112			31,816
Loans held for sale		4,329			1,150			1,304			559			1,881
Portfolio loans and leases		80,253			74,353			69,925			59,808			52,308
Total loans and leases		84,582			75,503			71,229			60,367			54,189
Allowance for loan and lease losses		(937	)		(771	)		(744	)		(713	)		(697	)
Operating lease equipment		353			202			143			304			767
Goodwill		2,470			2,193			2,169			979			738
Intangible assets		147			166			208			150			195
Servicing rights		618			524			441			352			299
Other real estate owned		159			88			54			63			55
Other assets		9,109			7,622			6,059			4,842			3,892
Total assets	$	110,984		$	100,669		$	105,225		$	94,456		$	91,254
Liabilities
Deposits:
Demand	$	14,404		$	14,331		$	14,609		$	13,486		$	12,142
Interest checking		15,254			15,993			18,282			19,481			19,757
Savings		15,635			13,181			11,276			8,310			7,375
Money market		6,521			6,584			6,129			4,321			3,201
Foreign Office		2,572			1,353			421			153			16
Other time		11,440			10,987			9,313			6,837			6,201
Certificates - $100,000 and over		6,738			6,628			4,343			2,121			1,856
Other foreign office		2,881			323			3,061			3,517			6,547
Total deposits		75,445			69,380			67,434			58,226			57,095
Federal funds purchased		4,427			1,421			5,323			4,714			6,928
Short-term bank notes		—			—			—			775			500
Other short-term borrowings		4,747			2,796			4,246			4,537			5,742
Other liabilities		4,325			4,492			3,549			3,297			3,259
Long-term debt		12,857			12,558			15,227			13,983			9,063
Total liabilities		101,801			90,647			95,779			85,532			82,587
Shareholders’ Equity
Common and preferred equity		11,518			11,433			11,138			10,507			9,749
Accumulated other comprehensive income related to employee benefit plans		(57	)		(59	)		(5	)		(64	)		(63	)
Net unrealized (losses) gains on available-for-sale securities and qualifying cash flow hedges		(69	)		(120	)		(408	)		(105	)		(57	)
Treasury stock, at cost		(2,209	)		(1,232	)		(1,279	)		(1,414	)		(962	)
Total shareholders’ equity		9,183			10,022			9,446			8,924			8,667
Total liabilities & shareholders’ equity	$	110,984		$	100,669		$	105,225		$	94,456		$	91,254
Share Data
Preferred shares outstanding		9,250			9,250			9,250			9,250			9,250
Common shares outstanding, excluding treasury		532,671,925			556,252,674			555,623,430			557,648,989			566,685,301
Treasury shares held		50,755,179			27,174,430			27,803,674			25,802,702			16,766,390

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Yearly Data

	��	Years Ended December 31,
		2007			2006			2005			2004			2003
Average Balance Sheet ($ in millions, except share data)
Assets
Interest-earning assets:
Loans and leases		$	78,348		$	73,493		$	67,737		$	57,042		$	52,414
Taxable securities			11,131			20,306			24,017			29,365			27,584
Tax exempt securities			499			604			789			917			1,056
Other short-term investments			364			378			193			315			307
Total interest-earning assets			90,342			94,781			92,736			87,639			81,361
Cash and due from banks			2,315			2,495			2,758			2,216			1,600
Other assets			10,613			8,713			8,102			5,763			5,250
Allowance for loan and lease losses			(793	)		(751	)		(720	)		(722	)		(730	)
Total assets		$	102,477		$	105,238		$	102,876		$	94,896		$	87,481
Liabilities
Interest-bearing liabilities:
Interest checking		$	14,820		$	16,650		$	18,884		$	19,434		$	18,679
Savings			14,836			12,189			10,007			7,941			8,020
Money market			6,308			6,366			5,170			3,473			3,189
Foreign office			1,762			732			248			85			2
Other time			10,778			10,500			8,491			6,208			6,426
Certificates - $100,000 and over			6,466			5,795			4,001			2,403			3,832
Other foreign office			1,393			2,979			3,719			4,364			3,860
Short-term borrowings			6,890			8,670			9,511			13,539			12,373
Long-term debt			12,505			14,247			16,384			13,323			8,747
Total interest-bearing liabilities			75,758			78,128			76,415			70,770			65,128
Demand deposits			13,261			13,741			13,868			12,327			10,482
Other liabilities			3,875			3,558			3,276			2,939			2,883
Total liabilities			92,894			95,427			93,559			86,036			78,493
Minority interest			—			—			—			—			234
Shareholders’ equity			9,583			9,811			9,317			8,860			8,754
Total liabilities & shareholders’ equity		$	102,477		$	105,238		$	102,876		$	94,896		$	87,481
Average loans and leases (excluding held for sale)		$	76,033		$	72,447		$	66,685		$	55,951		$	49,700
Average common shares outstanding:
Basic			537,669,793			554,983,021			554,410,581			561,258,539			571,590,128
Diluted			540,118,386			557,493,607			558,442,819			568,234,313			580,003,074

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Yearly Data

	Years Ended December 31,
	2007			2006			2005			2004			2003
Asset Quality ($ in millions)
Nonaccrual loans and leases	$	893		$	352		$	294		$	228		$	242
Renegotiated loans and leases		—			—			—			1			8
Other assets, including other real estate owned		171			103			67			74			69
Total nonperforming assets	$	1,064		$	455		$	361		$	303		$	319
Ninety days past due loans and leases	$	491		$	210		$	155		$	142		$	145
End of Period Loans and Leases ($ in millions)(net of unearned discount)
Commercial:
Commercial loans	$	26,079		$	20,831		$	19,377		$	16,107		$	14,261
Commercial mortgage		11,967			10,405			9,188			7,636			6,894
Commercial construction		5,561			6,168			6,342			4,348			3,301
Commercial leases		3,737			3,841			3,698			3,426			3,264
Subtotal - commercial		47,344			41,245			38,605			31,517			27,720
Consumer:
Residential mortgage		11,433			9,905			8,991			7,912			5,865
Home equity		11,874			12,154			11,805			10,318			8,783
Automobile loans		11,183			10,028			9,396			7,734			8,606
Credit card		1,591			1,004			788			794			727
Other consumer loans and leases		1,157			1,167			1,644			2,092			2,488
Subtotal - consumer		37,238			34,258			32,624			28,850			26,469
Total loans and leases	$	84,582		$	75,503		$	71,229		$	60,367		$	54,189
Nonperforming Loans ($ in millions)(non-accrual plus renegotiated)
Commercial construction loans	$	249		$	54		$	31		$	13		$	19
Commercial mortgage		243			84			51			51			42
Commercial loans and leases		180			133			146			111			136
Consumer mortgage and construction		121			38			30			24			26
Other consumer loans and leases		100			43			36			30			27
Total nonperforming loans	$	893		$	352		$	294		$	229		$	250
Credit Charge-Offs($ in millions)
Gross charge-offs	$	(544	)	$	(408	)	$	(373	)	$	(321	)	$	(380	)
Recoveries		81			92			74			69			68
Net losses charged off	$	(463	)	$	(316	)	$	(299	)	$	(252	)	$	(312	)

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