 Fifth Third Bank | All Rights Reserved 2Q09 Credit Trends July 23, 2009 Please refer to earnings release dated July 23, 2009 for full results including those reported on a GAAP basis Exhibit 99.3 |
 2 Fifth Third Bank | All Rights Reserved Credit by portfolio* C&I 27% Home equity 14% Card 7% Commercial construction 13% Commercial mortgage 14% Residential mortgage 18% Auto 6% Other consumer 1% Net charge-offs by loan type Net charge-offs by geography * NPAs exclude loans held-for-sale. MI 19% FL 26% KY 4% NC 1% IN 5% OH 16% IL 12% TN 2% Other / National 15% ($ 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 $28,409 $12,407 $4,491 $3,532 $48,839 $8,489 $12,511 $8,741 $1,914 $935 $32,590 $81,429 % of total 35% 15% 6% 4% 60% 10% 16% 11% 2% 1% 40% NPAs $634 $791 $735 $51 $2,211 $475 $73 $20 $59 $1 $628 $2,839 NPA ratio 2.23% 6.37% 16.36% 1.45% 4.52% 5.59% 0.58% 0.23% 3.08% 0.09% 1.92% 3.48% Net charge-offs $177 $85 $79 $1 $342 $112 $88 $36 $45 $3 $284 $626 Net charge-off ratio 2.53% 2.73% 6.76% 0.02% 2.81% 5.17% 2.81% 1.65% 9.64% 1.95% 3.48% 3.08% |
 3 Fifth Third Bank | All Rights Reserved Portfolio performance drivers Performance Largely Driven By No Participation In Discontinued or Suspended Lending * Residential construction-related consumer mortgages intended to be held in portfolio until permanent financing complete. Jumbo mortgage originations currently being held due to market conditions. Geography • Florida and Michigan most stressed • Remaining Midwest and Southeast performance reflect economic trends Products • Homebuilder/developer charge-offs $76 million in 2Q09 – Total charge-off ratio 3.1% (2.8% ex-HBs) – Commercial charge-off ratio 2.8% (2.3% ex- HBs) • Brokered home equity charge-offs 7.4% in 2Q09 – Direct home equity portfolio 1.9% 2Q09 NCO Ratios Coml Cons Total FL/MI 4.1% 6.3% 5.0% Other 2.3% 2.4% 2.3% • Subprime • Option ARMs Discontinued in 2007 • Brokered home equity ($2.1B) Suspended in 2008 • Homebuilder/residential development ($2.1B) • Other non-owner occupied commercial RE excluding homebuilder/developer ($8.4B) Saleability • All mortgages originated for intended sale* |
 4 Fifth Third Bank | All Rights Reserved Non-performing assets and net charge-offs: Product view* * NPAs exclude loans held-for-sale. Net charge-offs exclude losses on loans sold or transferred to held-for-sale in 4Q08. During 1Q09 the Bancorp modified its nonaccrual policy to exclude TDR loans less than 90 days past due because they were performing in accordance with restructured terms. For comparability purposes, prior periods were adjusted to reflect this reclassification. Total NPAs Total NCOs 0 200 400 600 800 1,000 2Q08 3Q08 4Q08 1Q09 2Q09 C&I/Lease Auto/Other CRE Res RE 0 500 1,000 1,500 2,000 2,500 3,000 2Q08 3Q08 4Q08 1Q09 2Q09 C&I/Lease Auto/Other CRE Res RE |
 5 Fifth Third Bank | All Rights Reserved - 500 1,000 1,500 2,000 2,500 3,000 2Q08 3Q08 4Q08 1Q09 2Q09 Other SE National Other MW Michigan Florida - 200 400 600 800 1,000 2Q08 3Q08 4Q08 1Q09 2Q09 Other SE National Other MW Michigan Florida Total NPAs Total NCOs * NPAs exclude loans held-for-sale. Net charge-offs exclude losses on loans sold or transferred to held-for-sale in 4Q08. During 1Q09 the Bancorp modified its nonaccrual policy to exclude TDR loans less than 90 days past due because they were performing in accordance with restructured terms. For comparability purposes, prior periods were adjusted to reflect this reclassification. Non-performing assets and net charge-offs: Geographic view* |
 6 Fifth Third Bank | All Rights Reserved Commercial loans held-for-sale summary Closed HFS 3/31/2009 HFS balance Customer payments FV adjustments Gain/loss Sold $22 ($26) $0 $4 Settled or Closed 6 (16) 3 7 Transferred to OREO 13 (11) (2) 0 Total $40 ($52) $1 $11 Remaining HFS 3/31/2009 HFS balance Customer payments FV adjustments 6/30/2009 HFS balance Total $362 ($3) ($7) $352 |
 7 Fifth Third Bank | All Rights Reserved Nonperforming assets* • Total NPAs of $2.8B • Homebuilder/developer NPAs of $613M; represent 22% of total NPAs • Commercial NPAs of $2.2B; growth driven by CRE, particularly in MI and FL • Consumer NPAs of $628M; flat compared to previous quarter 21% 7% 16% 11% 7% 1% 11% 15% 11% 12% 17% 51% 1% 1% 6% 3% 2% 7% 20% 38% 9% 11% 6% 2% 8% 6% 17% 8% 9% 3% 9% 6% 26% 2% 20% C&I^ (24%) CRE (54%) Residential (19%) Other Consumer (3%) Residential $548M 19% C&I* $685M 24% Other $80M 3% CRE $1.5B 54% ^ C&I includes commercial lease ILLINOIS INDIANA FLORIDA TENNESSEE KENTUCKY OHIO MICHIGAN NORTH CAROLINA OTHER / NATIONAL * NPAs exclude loans held-for-sale. |
 8 Fifth Third Bank | All Rights Reserved Commercial construction* Accomodation 1% Auto Retailers 1% Finance & insurance 3% Construction 36% Manufacturing 1% Real estate 46% Retail Trade 1% Other 10% Wholesale Trade 1% Loans by geography Credit trends Loans by industry Comments • Declining valuations in residential and land developments • In 4Q08 reduced concentrations in most stressed markets (Florida and Michigan) • Continued stress expected through 2009 OH 28% IN 8% IL 9% KY 4% TN 4% NC 8% Other 5% FL 19% MI 15% * NPAs exclude loans held-for-sale. Net charge-offs exclude losses on loans sold or transferred to held-for-sale in 4Q08. ($ in millions) 2Q08 3Q08 4Q08 1Q09 2Q09 Balance $6,007 $6,002 $5,114 $4,745 $4,491 90+ days delinquent $53 $84 $73 $49 $60 as % of loans 0.88% 1.40% 1.44% 1.02% 1.34% NPAs $552 $659 $400 $597 $735 as % of loans 9.19% 10.98% 7.82% 12.59% 16.36% Net charge-offs $49 $88 $151 $76 $79 as % of loans 3.46% 5.71% 10.00% 6.21% 6.76% Commercial construction |
 9 Fifth Third Bank | All Rights Reserved Homebuilders/developers* Loans by geography Credit trends Loans by industry Comments • Making no new loans to builder/developer sector • Residential & land valuations under continued stress • 4% of commercial loans; < 3% of total gross loans • Balance by product approximately 48% Construction, 38% Mortgage, 14% C&I MI 18% OH 24% IN 6% IL 5% KY 4% TN 4% NC 16% Other 4% FL 19% C&I 14% Commercial construction 48% Commercial mortgage 38% *Increase in 2Q08 balance due to the First Charter acquisition * NPAs exclude loans held-for-sale. Net charge-offs exclude losses on loans sold or transferred to held-for-sale in 4Q08. ($ in millions) 2Q08* 3Q08 4Q08 1Q09 2Q09 Balance $3,295 $3,065 $2,481 $2,322 $2,102 90+ days delinquent $123 $105 $74 $37 $53 as % of loans 3.73% 3.41% 2.98% 1.59% 2.51% NPAs $547 $702 $366 $554 $613 as % of loans 16.62% 22.89% 14.74% 23.87% 29.14% Net charge-offs $34 $163 $128 $64 $76 as % of loans 4.63% 19.75% 19.71% 10.73% 14.06% Homebuilders/developers |
 10 Fifth Third Bank | All Rights Reserved Residential mortgage 1 st liens: 100% ; weighted average LTV: 77% Weighted average origination FICO: 727 Origination FICO distribution: <659 10%; 660-689 8%; 690-719 12%; 720-749 13%; 750+ 30%; Other ^ 27% (note: loans <659 includes CRA loans and FHA/VA loans) Origination LTV distribution: <70 26%; 70.1-80 41%; 80.1-90 11%; 90.1-95 5%; >95% 17% Vintage distribution: 2009 2%; 2008 14%; 2007 17%; 2006 16%; 2005 26%; 2004 and prior 25% % through broker: 13%; performance similar to direct Loans by geography Credit trends Portfolio details Comments 29% FL concentration driving 65% total loss FL lots ($327M) running at 28% annualized loss rate (YTD) Mortgage company originations targeting 95% salability OH 23% IN 5% KY 4% NC 6% Other 10% FL 29% TN 2% MI 14% IL 7% ^ Includes acquired loans where FICO at origination is not available During 1Q09 the Bancorp modified its nonaccrual policy to exclude TDR loans less than 90 days past due because they were performing in accordance with restructured terms. For comparability purposes, prior periods were adjusted to reflect this reclassification. ($ in millions) 2Q08 3Q08 4Q08 1Q09 2Q09 Balance $9,866 $9,351 $9,385 $8,875 $8,489 90+ days delinquent $229 $185 $198 $231 $242 as % of loans 2.32% 1.98% 2.11% 2.60% 2.85% NPAs $285 $339 $397 $475 $475 as % of loans 2.89% 3.62% 4.23% 5.35% 5.59% Net charge-offs $63 $77 $68 $75 $112 as % of loans 2.57% 3.16% 2.90% 3.27% 5.17% Residential mortgage |
 11 Fifth Third Bank | All Rights Reserved Home equity 1 st liens: 25%; 2 nd liens: 75% Weighted average origination FICO: 756 Origination FICO distribution: <659 4%; 660-689 8%; 690-719 13%; 720-749 17%; 750+ 48%; Other 10% Weighted average CLTV: 76% (1 st liens 61%; 2 nd liens 82%) Origination CLTV distribution: <70 37%; 70.1-80 21%; 80.1-90 18%; 90.1-95 8%; >95 16% Vintage distribution: 2009 3%; 2008 12%; 2007 12%; 2006 17%; 2005 16%; 2004 and prior 40% % through broker channels: 17% WA FICO: 740 brokered, 760 direct; WA CLTV: 90% brokered; 73% direct Portfolio details Comments Brokered loans by geography Direct loans by geography Credit trends Approximately 17% of portfolio concentration in broker product driving approximately 44% total loss Portfolio experiencing increased loss severity (losses on 2 nd liens approximately 100%) Aggressive home equity line management strategies in place Note: Brokered and direct home equity net charge-off ratios are calculated based on end of period loan balances ^ Includes acquired loans where FICO at origination is not available MI 21% OH 32% IN 9% IL 12% KY 9% Other 1% FL 9% NC 5% TN 2% MI 21% OH 25% IN 10% IL 11% KY 7% Other 20% FL 3% NC 1% TN 2% *Increase in 2Q08 balance due to the First Charter acquisition ($ in millions) 2Q08 3Q08 4Q08 1Q09 2Q09 Balance $2,433 $2,368 $2,313 $2,225 $2,125 90+ days delinquent $34 $31 $37 $42 $34 as % of loans 1.40% 1.33% 1.58% 1.91% 1.58% Net charge-offs $28 $30 $26 $30 $39 as % of loans 4.64% 5.05% 4.52% 5.46% 7.41% Home equity - brokered ($ in millions) 2Q08* 3Q08 4Q08 1Q09 2Q09 Balance $9,988 $10,232 $10,439 $10,486 $10,386 90+ days delinquent $42 $41 $58 $61 $63 as % of loans 0.42% 0.40% 0.55% 0.59% 0.61% Net charge-offs $27 $26 $27 $42 $49 as % of loans 1.07% 1.00% 1.04% 1.62% 1.91% Home equity - direct |
 12 Fifth Third Bank | All Rights Reserved Florida market* Deterioration in real estate values having effect on credit trends as evidenced by increasing NPA/NCOs in real estate related products Homebuilders, developers tied to weakening real estate market Increasing severity of loss due to significant declines in valuations Valuations; relatively small home equity portfolio 21% 20% 10% 30% 12% 6% 1% COML MORTGAGE C&I RESI MORTGAGE OTHER CONS COML CONST COML LEASE HOME EQUITY AUTO CREDIT CARD Total Loans NPAs NCOs 36% 26% 27% 10% 1% 14% 8% 17% 45% 3% 10% 3% * NPAs exclude loans held-for-sale. ($ in millions) Loans (bn) % of FITB NPAs (mm) % of FITB NCOs (mm) % of FITB Commercial loans 1.8 6% 74 12% 23 13% Commercial mortgage 1.7 13% 195 25% 13 15% Commercial construction 0.8 19% 204 28% 28 35% Commercial lease 0.0 0% - 0% - 0% Commercial 4.3 9% 473 21% 64 19% Mortgage 2.5 29% 267 56% 73 65% Home equity 1.0 8% 8 12% 16 18% Auto 0.5 6% 2 8% 5 15% Credit card 0.1 6% 3 5% 5 10% Other consumer 0.0 2% 0 21% 0 8% Consumer 4.1 13% 280 45% 99 34% Total 8.4 10% 753 27% 163 26% |
 13 Fifth Third Bank | All Rights Reserved Michigan market* Deterioration in home price values coupled with weak economy impacting credit trends due to frequency of defaults and severity Homebuilders, developers tied to weak real estate market Negative impact from housing valuations, economy, unemployment Economic weakness impacts commercial real estate market 33% 23% 5% 2% 9% 7% 2% COML MORTGAGE C&I RESI MORTGAGE OTHER CONS COML CONST COML LEASE HOME EQUITY AUTO CREDIT CARD Total Loans NPAs NCOs 25% 21% 10% 20% 4% 7% 13% 22% 38% 20% 1% 4% 1% 11% 3% * NPAs exclude loans held-for-sale. ($ in millions) Loans (bn) % of FITB NPAs (mm) % of FITB NCOs (mm) % of FITB Commercial loans 4.7 16% 97 15% 30 17% Commercial mortgage 3.2 26% 168 21% 25 30% Commercial construction 0.7 15% 87 12% 15 19% Commercial lease 0.2 6% 5 9% 0 0% Commercial 8.8 18% 357 16% 70 21% Mortgage 1.2 14% 46 10% 12 10% Home equity 2.6 21% 19 26% 24 27% Auto 1.0 11% 3 14% 5 13% Credit card 0.3 17% 13 23% 8 19% Other consumer 0.1 7% 0 8% 1 10% Consumer 5.2 16% 81 13% 50 17% Total 14.0 17% 438 15% 120 19% |
 14 Fifth Third Bank | All Rights Reserved Cautionary statement This report may contain statements that we believe are “forward-looking statements” within the meaning of Section 27A of the Securities Act of 1933, as amended, and Rule 175 promulgated thereunder, and Section 21E of the Securities Exchange Act of 1934, as amended, and Rule 3b-6 promulgated thereunder. These statements relate to our financial condition, results of operations, plans, objectives, future performance or business. They usually can be identified by the use of forward-looking language such as “will likely result,” “may,” “are expected to,” “is anticipated,” “estimate,” “forecast,” “projected,” “intends to,” or may include other similar words or phrases such as “believes,” “plans,” “trend,” “objective,” “continue,” “remain,” or similar expressions, or future or conditional verbs such as “will,” “would,” “should,” “could,” “might,” “can,” or similar verbs. You should not place undue reliance on these statements, as they are subject to risks and uncertainties, including but not limited to the risk factors set forth in our most recent Annual Report on Form 10-K and our most recent quarterly report on Form 10-Q. When considering these forward-looking statements, you should keep in mind these risks and uncertainties, as well as any cautionary statements we may make. Moreover, you should treat these statements as speaking only as of the date they are made and based only on information then actually known to us. 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 nationally or in the states in which Fifth Third, one or more acquired entities and/or the combined company do 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) maintaining capital requirements may limit Fifth Third’s operations and potential growth; (8) changes and trends in capital markets; (9) problems encountered by larger or similar financial institutions may adversely affect the banking industry and/or Fifth Third (10) competitive pressures among depository institutions increase significantly; (11) effects of critical accounting policies and judgments; (12) changes in accounting policies or procedures as may be required by the Financial Accounting Standards Board (FASB) or other regulatory agencies; (13) legislative or regulatory changes or actions, or significant litigation, adversely affect Fifth Third, one or more acquired entities and/or the combined company or the businesses in which Fifth Third, one or more acquired entities and/or the combined company are engaged; (14) ability to maintain favorable ratings from rating agencies; (15) fluctuation of Fifth Third’s stock price; (16) ability to attract and retain key personnel; (17) ability to receive dividends from its subsidiaries; (18) potentially dilutive effect of future acquisitions on current shareholders’ ownership of Fifth Third; (19) effects of accounting or financial results of one or more acquired entities; (20) lower than expected gains related to any sale or potential sale of businesses; (21) difficulties in separating Fifth Third Processing Solutions from Fifth Third; (22) loss of income from any sale or potential sale of businesses that could have an adverse effect on Fifth Third’s earnings and future growth; (23) ability to secure confidential information through the use of computer systems and telecommunications networks; and (24) the impact of reputational risk created by these developments on such matters as business generation and retention, funding and liquidity. You should refer to our periodic and current reports filed with the Securities and Exchange Commission, or “SEC,” for further information on other factors which could cause actual results to be significantly different from those expressed or implied by these forward-looking statements. |