 © Fifth Third Bank | All Rights Reserved 3Q08 Trends October 21, 2008 Exhibit 99.3 |
 2 © Fifth Third Bank | All Rights Reserved Agenda Overview 3Q08 results Operating trends Credit trends Capital position Liquidity trends Debt ratings Summary and priorities |
 3 © Fifth Third Bank | All Rights Reserved Fifth Third overview ^ As of 9/30/2008 * As of 10/14/2008 ** Nilson, March 2008 $116 billion assets ^ $8 billion market cap #12 * 1,298 banking centers Over 2,300 ATMs 18 affiliates in 12 states World’s 5 th largest merchant acquirer ** Cincinnati Florence Louisville Lexington Nashville Atlanta Augusta Orlando Tampa Naples Raleigh Charlotte Huntington Pittsburgh Cleveland Columbus Toledo Detroit Grand Rapids Traverse City Chicago Evansville Jacksonville Indianapolis St. Louis |
 4 © Fifth Third Bank | All Rights Reserved 3Q08 in review Difficult quarter due to economic environment — Significant increase in net charge-offs and provision expense – Net charge-offs of $463 million, provision expense of $941 million — Minimal risk exposure to “headline issues”: subprime lending, credit default swaps, investments in failed counterparties Core business momentum remains strong – core pre-tax pre-provision income up 12% from 3Q07* — Net interest income growth of 41% driven by loan discount accretion related to the second quarter First Charter acquisition. Excluding loan discount accretion, net interest income increased 12% — Fee income growth of 5%, up 14% on a core basis, on double digit growth in payments processing revenue, deposit service revenue, corporate banking revenue, and mortgage banking revenue — Average loan growth of 11% and transaction deposit growth of 3% ^ Strong capital position, well within ranges disclosed in June — Tier 1 capital ratio of 8.53% — Tangible equity ratio of 6.19% * 3Q08 reported results of 40% year-over-year growth in pre-tax, pre-provision earnings. Excludes $27 million BOLI charge, $215 million in loan discount accretion from the acquisition of First Charter, $76 million in revenue and $36 million in expense from a litigation settlement stemming from a prior acquisition, and $45 million in Visa litigation expense in 3Q08. Excludes $78 million in Visa litigation expense, $2 million BOLI charge, and $31 million in gains from asset sales; all quarters exclude securities gains/losses. ^ Loans include held for investment; transaction deposits represent core deposits excluding CDs |
 5 © Fifth Third Bank | All Rights Reserved 3.20% 3.25% 3.30% 3.35% 3.40% 3.45% 3.50% 3Q07 4Q07 1Q08 2Q08* 3Q08* $500 $550 $600 $650 $700 $750 $800 $850 $900 Net interest income NIM Increasing net interest income * 3Q08 reported results: 41% year-over-year growth and 4.24% NIM. Results above exclude $130 million charge related to leveraged lease litigation in 2Q08 and exclude $31 million and $215 million in loan discount accretion from the First Charter acquisition in 2Q08 and 3Q08, respectively. |
 6 © Fifth Third Bank | All Rights Reserved Fee income growth and diversification $0 $100 $200 $300 $400 $500 $600 $700 $800 $900 3Q07 4Q07 1Q08 2Q08 3Q08 Payment processing Deposit service charges Investment advisory Corporate banking Mortgage Secs/other Reported year-over-year fee income growth of 5%. Results above exclude $76 million in litigation revenue from a prior acquisition and $27 million BOLI charge in 3Q08. Excludes $152 million BOLI charge and $273 million Visa IPO gain in 1Q08; excludes $177 million BOLI charge in 4Q07; excludes $31 million of gains from asset sales and $2 million in BOLI charge in 3Q07; excludes securities gains/losses in all quarters. YOY growth +11% +13% -5% +15% +74% NM Continued strong growth in processing, deposit fees and corporate banking fees |
 7 © Fifth Third Bank | All Rights Reserved FTPS: key growth engine 3Q08 revenue 38% 35% 27% Merchant Services Financial Institutions Bankcard $0 $50 $100 $150 $200 $250 3Q06 4Q06 1Q07 2Q07 3Q07 4Q07 1Q08 2Q08 3Q08 FI/EFT Bankcard Merchant +19% 2-Yr CAGR Merchant • 4 Largest U.S. Acquirer • Over 37,500 merchants • $26.7B in credit/debit processing volume • Over 5.6B acquired transactions • e.g. Nordstrom, Saks, Walgreen's, Office Max, Barnes and Noble, U.S. Treasury Financial Institutions • 2,700 FI relationships • 877mm POS/ATM transactions Bankcard • $1.7B in outstanding balances • 1.6mm cardholders • Top three Debit MasterCard Issuer • 23 largest U.S. bankcard issuer YOY growth +17% +7% +9% +19% +6% th rd |
 8 © Fifth Third Bank | All Rights Reserved Corporate banking $0 $30 $60 $90 $120 3Q06 4Q06 1Q07 2Q07 3Q07 4Q07 1Q08 2Q08 3Q08 International Business lending Derivatives Capital markets lending fees 2-Yr CAGR YOY growth +10% -10% +8% +33% +14% -29% +11% +36% International • Letters of credit • Foreign exchange Capital markets lending fees • Institutional Sales • Asset securitization/conduit fees • Loan/lease syndication fees Derivatives • Customer interest rate derivatives Business lending fees • Commitment and other loan fees |
 9 © Fifth Third Bank | All Rights Reserved $300 $400 $500 $600 $700 $800 3Q07 4Q07 1Q08 2Q08 3Q08 Strong operating performance… 3Q08 reported results of 40% growth in pre-tax, pre-provision earnings. 3Q08 results above exclude $27 million BOLI charge, $215 million in loan discount accretion from the acquisition of First Charter, $76 million in revenue and $36 million in expense from a litigation settlement stemming from a prior acquisition, and $45 million in Visa litigation expense. 2Q08 results above exclude $31 million loan discount accretion and $130 million leveraged lease charge. 1Q08 results above exclude $152 BOLI charge, $273 Visa IPO gain and $152 million reversal of Visa litigation expenses. 4Q07 results above exclude $177 million BOLI charge and $94 million in Visa litigation expense; 3Q07 results exclude $78 million in Visa litigation expense, $2 million BOLI charge, and $31 million in gains from asset sales; all quarters exclude securities gains/losses. |
 10 © Fifth Third Bank | All Rights Reserved -$1,000 -$800 -$600 -$400 -$200 $0 $200 $400 $600 $800 3Q07 4Q07 1Q08 2Q08 3Q08 …offset by credit costs See note on p. 9 for adjustments. Net charge- offs Additional provision |
 11 © Fifth Third Bank | All Rights Reserved ($ in millions) C&I Commercial mortgage Commercial construction Commercial lease Total commercial Residential mortgage Home equity Auto Credit card Other consumer Total consumer Total loans & leases Loan balances $29,424 $13,355 $6,002 $3,642 $52,423 $9,351 $12,599 $8,306 $1,688 $1,130 $33,075 $85,498 % of total 34% 16% 7% 4% 61% 11% 15% 10% 2% 1% 39% Non-performing assets $557 $749 $659 $22 $1,988 $593 $194 $33 $20 $1 $841 $2,828 NPA ratio 1.89% 5.61% 10.98% 0.62% 3.79% 6.34% 1.54% 0.39% 1.20% 0.10% 2.53% 3.30% Net charge-offs $85 $94 $88 $0 $266 $77 $56 $31 $24 $8 $196 $462 Net charge-off ratio 1.19% 2.82% 5.71% -0.03% 2.07% 3.16% 1.77% 1.51% 5.45% 2.84% 2.33% 2.17% Credit by portfolio C&I 18% Home equity 12% Other consumer 2% Auto 7% Residential mortgage 17% Commercial mortgage 20% Commercial construction 19% Card 5% MI 27% FL 38% Other / National 5% KY 2% TN 1% IL 7% OH 16% IN 3% NC/GA 1% Net charge-offs by loan type Net charge-offs by geography |
 12 © Fifth Third Bank | All Rights Reserved Real estate driving credit deterioration 0 100,000 200,000 300,000 400,000 500,000 Q3 2007 Q4 2007 Q1 2008 Q2 2008 Q3 2008 C&I/Lease Auto Credit Card Other CRE Res RE 0 500,000 1,000,000 1,500,000 2,000,000 2,500,000 3,000,000 Q3 2007 Q4 2007 Q1 2008 Q2 2008 Q3 2008 C&I/Lease Auto/Other CRE Res RE Res RE CRE NPA, charge-off growth driven by residential, commercial real estate Res RE CRE Total NPAs Total NCOs |
 13 © Fifth Third Bank | All Rights Reserved - 500,000 1,000,000 1,500,000 2,000,000 2,500,000 3,000,000 Q3 2007 Q4 2007 Q1 2008 Q2 2008 3Q 2008 Other SE National Other MW Michigan Florida - 100,000 200,000 300,000 400,000 500,000 Q3 2007 Q4 2007 Q1 2008 Q2 2008 Q3 2008 Other SE National Other MW Michigan Florida Highest stress markets Highest stress markets NPA, charge-off growth driven by Florida and Michigan Michigan and Florida: most stressed markets Total NPAs Total NCOs |
 14 © Fifth Third Bank | All Rights Reserved Credit containment Eliminated all brokered home equity production Suspended all new developer lending Significantly tightened underwriting limits and exception authorities Major expansion of commercial and consumer workout teams Aggressive write downs in stressed geographies Significant addition to reserve levels Direct executive management oversight of every major credit decision Continue to move aggressively to stay ahead of emerging credit issues |
 15 © Fifth Third Bank | All Rights Reserved • Capital plan and targets designed to help ensure strong capital levels, positioning Fifth Third to absorb significant potential losses and provisions in a potentially more difficult environment through 2009 • Revised capital targets in June 2008 to provide greater cushion • Strengthened Fifth Third’s capital position through several capital actions announced in June 2008: — Capital actions intended to maintain a Tier 1 ratio within target range if credit cycle significantly deteriorates without further capital issuance – Capital issuance – Issued $1.1 billion of Tier 1 capital in the form of convertible preferred securities - achieved new Tier 1 target immediately – Dividend reduction – Reducing quarterly common dividend to $0.15 per share, conserves $1.2 billion in common equity through the end of 2009 relative to previous $0.44 level per share – Asset sales/dispositions – Anticipated sale of non-core businesses expected to generate $1 billion or more after-tax in additional common equity capital Currently evaluating Treasury capital plan; in conjunction, re-evaluating inclusion of non-core businesses in capital plans Capital position 6-7% 11.5-12.5% 8-9% Target N/A 10% 6% Regulatory “well- capitalized” minimum 6.19% TE / TA 12.25% Total Capital 8.53% 3Q08 Tier 1 Capital Ratio |
 16 © Fifth Third Bank | All Rights Reserved Active management of liquidity profile Fifth Third remains heavily core funded Flexibility and liquidity further enhanced by — Dividend reduction — Large capital raise further bolstered Holding Company cash and capital levels — Significant committed lines available to access secured borrowings against assets Strong debt ratings Stable Funding Highlights Long Term Debt 11% Demand 12% Consumer Time 10% Non-core Deposits 13% Foreign Office 2% Interest Checking 11% Savings / MMDA 19% ST Borrowings 10% Other liabilities 3% Equity 9% |
 17 © Fifth Third Bank | All Rights Reserved Strong holding company liquidity profile 0 1000 2000 3000 4000 5000 6000 2008 2009 2010 2011 2012 2013 on Current holding company cash position through 1Q10 Sufficient to: — Satisfy all fixed obligations over the next twelve months (debt maturities, common and preferred dividends, interest and other expenses) Without: — Accessing capital markets — Relying on dividends from subsidiaries — Proceeds from asset sales $75 million in debt maturities in 2008; total of $106 million in next four and a half years Holding Company Unsecured Debt Maturities Highlights $mm Holding Company Liquidity Position Cash at 9/30/08: $1.1 billion Expected cash obligations over the next 12 months — $106 million in debt maturities — $346 million common dividends * — $94.9 million preferred dividends * — $301 million interest and other expenses * 75 31 0 0 0 5,766 Fifth Third Bancorp Fifth Third Capital Trust * Approximate |
 18 © Fifth Third Bank | All Rights Reserved Strong bank liquidity profile 0 500 1000 1500 2008 2009 2010 2011 2012 2013 on Current unused borrowing capacity under secured facilities sufficient to fund all unsecured maturities for five years — Assumes no access to capital markets Active management to increase available lines associated with pledgeable assets to ensure contingency funding Prudent extension of term CD funding during capital markets disruptions and volatile short term market conditions Reduction of overnight borrowings through use of more dependable, less expensive secured facilities Significant available borrowing capacity at each of subsidiary banks Bank Unsecured Debt Maturities Highlights $mm Bank Liquidity Position Current unused available borrowing capacity $17 billion FHLB borrowings $7.4 billion Core deposits of $63 billion Equity of $10.7 billion All market borrowings by Fifth Third Bank (OH) 1,279 825 18 14 1,233 14 Fifth Third Bank (Ohio) Fifth Third Bank (NA) |
 19 Fifth Third Bank | All Rights Reserved Fifth Third debt ratings # Date of most recent change in rating or outlook AA AA- AA- Aa3 LT Deposit Stable 6/18/08 F-1+ A+ F1 A+ Fitch AA AA- Aa3 Senior Fifth Third Bank (OH, MI) R-1H A-1+ P-1 Short-term 3/18/08 9/3/08 9/18/08 Rating Date # Current Outlook Fifth Third Bancorp Negative CreditWatch negative Negative R-1M A-1 P-1 Short- term AA (low) DBRS A+ S&P A1 Moody’s Senior |
 20 © Fifth Third Bank | All Rights Reserved Fifth Third debt ratings Source: Bloomberg LLP as of 10/11/2008 The ratings listed in this document are generated from information provided to Fifth Third through Bloomberg LP. These ratings are subject to change based upon criteria developed by the applicable rating agency; Fifth Third does not necessarily agree with any of these ratings and has not independently verified or reviewed any of these companies to determine whether they would meet any ratings, underwriting or other credit criteria developed independently by Fifth Third. Neither you nor any customer should use these ratings as determinative in purchasing credit or other services from Fifth Third. Fifth Third does not provide legal, accounting, financial, tax or other expert advice. Consult your own legal, accounting, financial and tax advisors before making any decision to invest with or request credit from Fifth Third. Lead Bank Moody's S&P Fitch DBRS Wells Fargo (Wells Fargo Bank NA) Aaa AAA AA AAH Bank of America (Bank America America NA) Aaa AA AA- AA JPMorgan Chase (JPMorgan Chase Bank NA) Aaa AA AA- AAL US Bank (US Bank NA North Dakota) Aa1 AA+ AA- NR BB&T (BB&T Co/WI) Aa2 AA- AA- AA Fifth Third Bancorp (Fifth Third Bank) Aa3 AA- A+ AA SunTrust (SunTrust Bank) Aa3 AA- A+ AAL PNC (PNC Bank NA) Aa3 AA- A+ AAL M&I (M&I Bank) Aa3 A A+ AH Comerica (Comerica Bank) A1 A+ A+ AH Regions (Regions Bank) A1 A+ A+ AAL Key (Key Bank NA) A1 A A NR M&T (Manufacturers & Traders Trust Co.) A1 A A- A National City (National City Bank) A2 A A- AAL Huntington (Huntington National Bank) A2 A- A- A Zions (Zions First National Bank, Utah) A2 A- A- A NR: not rated Long-Term Issuer Rating |
 21 © Fifth Third Bank | All Rights Reserved Fifth Third differentiators Integrated affiliate delivery model Strong sales culture Operational efficiency Streamlined decision making Integrated payments platform (FTPS) Acquisition integration Customer satisfaction |
 22 © Fifth Third Bank | All Rights Reserved Summary and priorities Fifth Third has taken steps to ensure it is well-positioned to weather potential further deterioration in the credit environment Delivery of strong operating results remains a hallmark of Fifth Third despite sluggish economy Capital plan designed to maintain Tier 1 capital in excess of 8% under significant additional stress in credit trends |
 23 © Fifth Third Bank | All Rights Reserved Fifth Third: building a better tomorrow Consistently outperform the U.S. banking industry Deliver growth in excess of industry Enhance the customer experience Increase employee engagement Institutionalize enterprise operational excellence |
 24 © Fifth Third Bank | All Rights Reserved Appendix |
 25 © Fifth Third Bank | All Rights Reserved Nonperforming assets • Total NPAs of $2.8B, or 330 bps • Homebuilder/developer NPAs of $702 M; represent 25% of total NPAs • Commercial NPAs of $2.0B; recent growth driven by commercial construction and real estate, particularly in Michigan and Florida • Consumer NPAs of $841M; recent growth driven by residential real estate, particularly in Michigan and Florida 1% 14% 20% 6% 9% 8% 21% 21% 3% 7% 42% 16% 6% 1% 1% 5% 19% 8% 4% 10% 15% 2% 28% 3% 20% 10% 7% 34% 34% 1% 4% 1% 3% 3% 15% C&I* (20%) CRE (50%) Residential (28%) Other Consumer (2%) ILLINOIS INDIANA FLORIDA TENNESSEE KENTUCKY OHIO MICHIGAN Residential $786M 28% C&I* $580M 20% Other $54M 2% CRE $1.4B 50% *C&I includes commercial lease NORTH CAROLINA / GEORGIA OTHER / NATIONAL |
 26 © Fifth Third Bank | All Rights Reserved Commercial construction Accomodation 1% Auto Retailers 1% Finance & insurance 1% Construction 42% Manufacturing 1% Real estate 46% Retail Trade 1% Other 7% Loans by geography Credit trends Loans by industry Comments • Declining valuations in residential and land developments • Higher concentrations in now stressed markets (Florida and Michigan) • Continued stress expected through 2008 OH 26% IN 8% KY 4% NC/GA 7% Other 2% FL 20% TN 6% MI 19% IL 8% ($ in millions) 3Q07 4Q07 1Q08 2Q08 3Q08 Balance $5,463 $5,561 $5,592 $6,007 $6,002 90+ days delinquent $54 $67 $49 $53 $84 90+ days ratio 0.99% 1.21% 0.87% 0.88% 1.40% NPAs $106 $257 $418 $552 $659 as % of loans 1.94% 4.61% 7.48% 9.19% 10.98% Net charge-offs $5 $12 $72 $49 $88 as % of loans 0.35% 0.83% 5.20% 3.46% 5.71% Commercial construction |
 27 © Fifth Third Bank | All Rights Reserved Homebuilder/developer Loans by geography Credit trends Loans by industry Comments • Making no new loans to builder/developer sector • Residential & land valuations under continued stress • 6% of commercial loans; < 4% of total gross loans • Balance by product approximately 53% Construction, 41% Mortgage, 6% C&I OH 16% IN 4% KY 3% NC/GA 19% FL 29% TN 4% MI 21% IL 4% C&I 6% Commercial construction 53% Commercial mortgage 41% **Increase in 2Q08 balance due to the First Charter acquisition ($ in millions) 3Q07 4Q07* 1Q08 2Q08** 3Q08 Balance $2,594 $2,868 $2,705 $3,295 $3,065 90+ days delinquent $50 $57 $60 $123 $105 90+ days ratio 1.94% 1.99% 2.21% 3.73% 3.41% NPAs $78 $176 $309 $547 $702 as % of loans 3.01% 6.14% 11.42% 16.62% 22.89% Net charge-offs $4 $8 $43 $34 $163 as % of loans 0.54% 1.11% 6.14% 4.63% 19.75% Homebuilders/developers *Increase in 4Q07 balance due to the R-G Crown acquisition |
 28 © Fifth Third Bank | All Rights Reserved Residential mortgage 1 liens: 100% ; weighted average LTV: 77% Weighted average origination FICO: 728 Origination FICO distribution: <659 9%; 660-689 8%; 690-719 12%; 720-749 13%; 750+ 30%; Other ^ 28% (note: loans <659 includes CRA loans and FHA/VA loans) Origination LTV distribution: <70 25%; 70.1-80 41%; 80.1-90 12%; 90.1-95 5%; >95% 17% Vintage distribution: 2008 12%; 2007 19%; 2006 17%; 2005 27%; 2004 and prior 25% % through broker: 13%; performance similar to direct Loans by geography Credit trends Portfolio details Comments 30% FL concentration driving 75% total loss FL lots ($415 mm) running at 19% annualized loss rate (YTD) Mortgage company originations targeting 95% salability OH 24% IN 6% KY 4% NC/GA 6% Other 8% FL 30% TN 1% MI 14% IL 7% ^ Includes acquired loans where FICO at origination is not available *Increase in 4Q07 balance due to the R-G Crown acquisition st ($ in millions) 3Q07 4Q07* 1Q08 2Q08 3Q08 Balance $9,057 $10,540 $9,873 $9,866 $9,351 90+ days delinquent $116 $186 $192 $229 $185 90+ days ratio 1.28% 1.76% 1.95% 2.32% 1.98% NPAs $150 $216 $333 $448 $593 as % of loans 1.65% 2.04% 3.37% 4.54% 6.34% Net charge-offs $9 $18 $34 $63 $77 as % of loans 0.41% 0.72% 1.33% 2.57% 3.16% Residential mortgage |
   29 © Fifth Third Bank | All Rights Reserved Home equity 1 liens: 24%; 2 liens: 76% (25% of 2 liens behind FITB 1 s) Weighted average origination FICO: 755 Origination FICO distribution: <659 4%; 660-689 8%; 690-719 14%; 720- 749 17%; 750+ 46%; Other ^ 11% Weighted average CLTV: 75% (1 liens 62%; 2 liens 80%)Origination CLTV distribution: <70 35%; 70.1-80 20%; 80.1-90 19%; 90.1-95 9%; >95 17% Vintage distribution: 2008 10%; 2007 13%; 2006 18%; 2005 17%; 2004 and prior 42% % through broker channels: 19% WA FICO: 740 brokered, 758 direct; WA CLTV: 88% brokered; 73% direct Portfolio details Comments Brokered loans by geography Direct loans by geography Credit trends Approximately 19% of portfolio concentration in broker product driving approximately 54% total loss Portfolio experiencing increased loss severity (losses on 2 liens approximately 100%) Aggressive home equity line management strategies in place Note: Brokered and direct home equity net charge-off ratios are calculated based on end of period loan balances ^ Includes acquired loans where FICO at origination is not available MI 22% OH 32% IN 10% IL 11% KY 9% Other 1% FL 9% NC/GA 5% TN 1% MI 20% OH 23% IN 10% IL 11% KY 8% Other 21% FL 3% NC/GA 1% TN 3% ($ in millions) 3Q07 4Q07 1Q08 2Q08 3Q08 Balance $2,746 $2,713 $2,651 $2,433 $2,368 90+ days delinquent $30 $34 $33 $34 $31 90+ days ratio 1.08% 1.25% 1.26% 1.40% 1.33% Net charge-offs $14 $17 $23 $28 $30 as % of loans 1.94% 2.52% 3.29% 4.64% 5.05% Home equity - brokered ($ in millions) 3Q07 4Q07 1Q08 2Q08* 3Q08 Balance $8,991 $9,161 $9,152 $9,988 $10,232 90+ days delinquent $34 $38 $43 $42 $41 90+ days ratio 0.38% 0.41% 0.47% 0.42% 0.40% Net charge-offs $14 $15 $18 $27 $26 as % of loans 0.59% 0.66% 0.78% 1.07% 1.00% Home equity - direct *Increase in 2Q08 balance due to the First Charter acquisition nd nd nd st st st nd |
  30 © Fifth Third Bank | All Rights Reserved Michigan market Total Loans Home Equity 17% Credit Card 2% Auto 7% Resi Mortgage 8% Coml Lease 1% C&I 32% Commercial Mortgage 24% Coml Const 7% Other Cons 2% NPAs Home Equity 7% Credit Card 1% Auto 1% Resi Mortgage 10% Coml Lease 1% C&I 15% Commercial Mortgage 35% Coml Const 30% Net charge-offs Auto 2% Other Cons 1% Credit Card 4% Home Equity 11% Resi Mortgage 6% C&I 17% Commercial Mortgage 20% Coml Const 39% Summary: Deterioration in home price values coupled with weak economy (unemployment rate of 7.4%) impacting credit trends due to frequency of defaults and severity Issues: homebuilders, developers tied to weak real estate market Issues: valuations, economy, unemployment Economic weakness impacts commercial real estate market ($ in millions) Loans (bn) % of FITB NPAs (mm) % of FITB NCOs (mm) % of FITB Commercial loans 4.94 17% 113 20% 22 25% Commercial mortgage 3.81 29% 258 34% 26 28% Commercial construction 1.11 19% 220 33% 49 56% Commercial lease 0.21 6% 9 40% - 0% Commercial 10.07 19% 600 30% 97 36% Mortgage 1.29 14% 75 13% 7 10% Home equity 2.71 21% 53 27% 14 24% Auto 1.12 13% 6 19% 3 10% Credit card 0.31 18% 4 21% 5 20% Other consumer 0.11 10% - 0% 1 12% Consumer 5.54 17% 138 16% 30 15% Total 15.61 18% 738 26% 127 27% |
  31 © Fifth Third Bank | All Rights Reserved Florida market NPAs Home Equity 2% Resi Mortgage 35% C&I 9% Commercial Mortgage 31% Coml Const 23% Net charge-offs Auto 2% Other Cons 1% Credit Card 1% Home Equity 5% Resi Mortgage 33% C&I 11% Commercial Mortgage 32% Coml Const 15% Summary: Deterioration in real estate values having effect on credit trends as evidenced by increasing NPA/NCOs in real estate related products Issues: homebuilders, developers tied to weakening real estate market Issues: increasing severity of loss due to significant declines in valuations Issues: valuations; relatively small home equity portfolio Total Loans Other Cons 1% Coml Const 13% Commercial Mortgage 20% C&I 22% Resi Mortgage 28% Auto 5% Credit Card 1% Home Equity 10% ($ in millions) Loans (bn) % of FITB NPAs (mm) % of FITB NCOs (mm) % of FITB Commercial loans 2.08 7% 82 15% 19 22% Commercial mortgage 1.94 15% 272 36% 56 59% Commercial construction 1.21 20% 205 31% 27 30% Commercial lease 0.00 0% - 0% - 0% Commercial 5.23 10% 559 28% 102 38% Mortgage 2.83 30% 307 52% 57 75% Home equity 0.95 8% 18 10% 9 16% Auto 0.44 5% 5 14% 4 12% Credit card 0.09 5% 1 4% 2 8% Other consumer 0.12 11% - 0% 1 12% Consumer 4.43 13% 331 39% 73 37% Total 9.66 11% 890 31% 175 38% |
 32 © Fifth Third Bank | All Rights Reserved Cautionary statement This report may contain forward-looking statements about Fifth Third Bancorp within the meaning of Sections 27A of the Securities Act of 1933, as amended, and Rule 175 promulgated thereunder, and 21E of the Securities Exchange Act of 1934, as amended, and Rule 3b-6 promulgated thereunder, that involve inherent risks and uncertainties. This report may contain certain forward-looking statements with respect to the financial condition, results of operations, plans, objectives, future performance and business of Fifth Third Bancorp including statements preceded by, followed by or that include the words or phrases such as “believes,” “expects,” “anticipates,” “plans,” “trend,” “objective,” “continue,” “remain” or similar expressions or future or conditional verbs such as “will,” “would,” “should,” “could,” “might,” “can,” “may” or similar expressions. There are a number of important factors that could cause future results to differ materially from historical performance and these forward-looking statements. Factors that might cause such a difference include, but are not limited to: (1) general economic conditions and weakening in the economy, specifically the real estate market, either national or in the states in which Fifth Third, does business, are less favorable than expected; (2) deteriorating credit quality; (3) political developments, wars or other hostilities may disrupt or increase volatility in securities markets or other economic conditions; (4) changes in the interest rate environment reduce interest margins; (5) prepayment speeds, loan origination and sale volumes, charge-offs and loan loss provisions; (6) Fifth Third’s ability to maintain required capital levels and adequate sources of funding and liquidity; (7) changes and trends in capital markets; (8) competitive pressures among depository institutions increase significantly; (9) effects of critical accounting policies and judgments; (10) changes in accounting policies or procedures as may be required by the Financial Accounting Standards Board or other regulatory agencies; (11) legislative or regulatory changes or actions, or significant litigation, adversely affect Fifth Third, or the businesses in which Fifth Third, one is engaged; (12) ability to maintain favorable ratings from rating agencies; (13) fluctuation of Fifth Third’s stock price; (14) ability to attract and retain key personnel; (15) ability to receive dividends from its subsidiaries; (16) potentially dilutive effect of future acquisitions on current shareholders' ownership of Fifth Third; (17) effects of accounting or financial results of one or more acquired entities; (18) difficulties in combining the operations of acquired entities; (19) inability to generate the gains on sale and related increase in shareholders’ equity that it anticipates from the sale of certain non-core businesses, (20) loss of income from the sale of certain non-core businesses could have an adverse effect on Fifth Third’s earnings and future growth (21) ability to secure confidential information through the use of computer systems and telecommunications networks; and (22) the impact of reputational risk created by these developments on such matters as business generation and retention, funding and liquidity. Additional information concerning factors that could cause actual results to differ materially from those expressed or implied in the forward-looking statements is available in the Bancorp's Annual Report on Form 10-K for the year ended December 31, 2007, filed with the United States Securities and Exchange Commission (SEC). Copies of this filing are available at no cost on the SEC's Web site at www.sec.gov or on the Fifth Third’s Web site at www.53.com. Fifth Third undertakes no obligation to release revisions to these forward-looking statements or reflect events or circumstances after the date of this report. |