Fifth Third Bancorp (FITB) 8-K Fifth Third Bancorp Reports Second Quarter Earnings

Exhibit 99.4

Second Quarter 2009 Portfolio Loan and Lease Stratifications

Please refer to earnings release dated July 23, 2009 for further information

including full results including those reported on a GAAP basis

Second Quarter 2009 Portfolio Loan and Lease Stratifications Consumer

2

Brokered home equity ($2.1 billion)

Combined loan-to-value (origination)

		<=70%		70.1-80%		80.1-90%		90.1-95%		95.1 +		Total
Florida	Loans (% of total)	1	%	1	%	1	%	<1	%	1	%	3	%
	NPA + 90+ ratio	1.7	%	10.5	%	7.1	%	12.2	%	8.6	%	7.8	%
	YTD NCO ratio	5.7	%	10.8	%	27.2	%	32.0	%	27.3	%	19.9	%
Michigan	Loans (% of total)	2	%	3	%	5	%	4	%	7	%	21	%
	NPA + 90+ ratio	1.2	%	2.2	%	2.6	%	2.4	%	2.8	%	2.4	%
	YTD NCO ratio	5.7	%	6.6	%	6.9	%	7.8	%	10.9	%	8.2	%
Other	Loans (% of total)	7	%	9	%	17	%	11	%	33	%	76	%
	NPA + 90+ ratio	1.6	%	2.6	%	1.8	%	1.5	%	2.7	%	2.2	%
	YTD NCO ratio	1.8	%	3.2	%	3.9	%	6.0	%	7.4	%	5.4	%
Total	Loans (% of total)	10	%	12	%	22	%	15	%	40	%	100	%
	NPA + 90+ ratio	1.6	%	3.0	%	2.1	%	1.9	%	2.9	%	2.4	%
	YTD NCO ratio	2.9	%	4.4	%	5.3	%	6.9	%	8.4	%	6.5	%
1sts	Loans (% of total)	4	%	4	%	2	%	1	%	3	%	14	%
	NPA + 90+ ratio	2.5	%	4.2	%	3.2	%	0.5	%	4.1	%	3.3	%
	YTD NCO ratio	2.5	%	3.2	%	3.4	%	-0.1	%	2.8	%	2.8	%
2nds	Loans (% of total)	6	%	9	%	20	%	14	%	37	%	86	%
	NPA + 90+ ratio	0.9	%	2.5	%	2.0	%	2.0	%	2.7	%	2.3	%
	YTD NCO ratio	3.2	%	4.9	%	5.6	%	7.1	%	9.0	%	7.1	%
Total	Loans (% of total)	10	%	12	%	22	%	15	%	40	%	100	%
	NPA + 90+ ratio	1.6	%	3.0	%	2.1	%	1.9	%	2.9	%	2.4	%
	YTD NCO ratio	2.9	%	4.4	%	5.3	%	6.9	%	8.4	%	6.5	%
HE loans	Loans (% of total)	2	%	3	%	5	%	3	%	12	%	25	%
	NPA + 90+ ratio	1.8	%	3.1	%	2.8	%	1.9	%	3.3	%	2.9	%
	YTD NCO ratio	3.5	%	2.3	%	4.1	%	6.3	%	7.3	%	5.7	%
HELOCs	Loans (% of total)	8	%	10	%	18	%	11	%	28	%	75	%
	NPA + 90+ ratio	1.5	%	3.0	%	1.9	%	2.0	%	2.7	%	2.3	%
	YTD NCO ratio	2.8	%	5.0	%	5.7	%	7.1	%	8.9	%	6.7	%
Total	Loans (% of total)	10	%	12	%	22	%	15	%	40	%	100	%
	NPA + 90+ ratio	1.6	%	3.0	%	2.1	%	1.9	%	2.9	%	2.4	%
	YTD NCO ratio	2.9	%	4.4	%	5.3	%	6.9	%	8.4	%	6.5	%
< 660#	Loans (% of total)	1	%	1	%	1	%	1	%	1	%	4	%
	NPA + 90+ ratio	4.9	%	13.4	%	3.7	%	4.6	%	5.2	%	5.7	%
	YTD NCO ratio	6.7	%	5.1	%	7.4	%	14.2	%	12.0	%	9.5	%
660-689	Loans (% of total)	1	%	1	%	3	%	2	%	5	%	12	%
	NPA + 90+ ratio	1.6	%	3.6	%	2.9	%	3.2	%	4.0	%	3.4	%
	YTD NCO ratio	5.0	%	6.6	%	10.1	%	9.6	%	10.4	%	9.5	%
690-719	Loans (% of total)	1	%	2	%	4	%	3	%	10	%	21	%
	NPA + 90+ ratio	3.3	%	4.2	%	2.6	%	1.6	%	3.5	%	3.1	%
	YTD NCO ratio	3.4	%	8.3	%	6.4	%	9.6	%	9.0	%	8.1	%
720-749	Loans (% of total)	2	%	3	%	5	%	4	%	11	%	23	%
	NPA + 90+ ratio	0.8	%	3.8	%	2.2	%	1.7	%	2.7	%	2.4	%
	YTD NCO ratio	7.2	%	6.6	%	5.3	%	5.0	%	9.3	%	7.4	%
750+	Loans (% of total)	5	%	6	%	9	%	6	%	13	%	39	%
	NPA + 90+ ratio	0.8	%	1.1	%	1.5	%	1.5	%	1.8	%	1.4	%
	YTD NCO ratio	0.7	%	1.5	%	3.2	%	4.9	%	6.2	%	3.8	%
Other^	Loans (% of total)	<1	%	<1	%	<1	%	<1	%	<1	%	<1	%
	NPA + 90+ ratio	4.1	%	0.0	%	0.0	%	0.0	%	1.0	%	3.0	%
	YTD NCO ratio	3.5	%	0.0	%	0.0	%	0.0	%	0.2	%	2.5	%
Total	Loans (% of total)	10	%	12	%	22	%	15	%	40	%	100	%
	NPA + 90+ ratio	1.6	%	3.0	%	2.1	%	1.9	%	2.9	%	2.4	%
	YTD NCO ratio	2.9	%	4.4	%	5.3	%	6.9	%	8.4	%	6.5	%

# Includes relationship based and private lending

^ Includes acquired loans where FICOs at origination is not available

Note: Consumer net charge-off ratios are calculated using second quarter end of period loan balances

Note: Percentages may not sum due to rounding

3

Retail direct home equity ($10.4 billion)

Combined loan-to-value (origination)

		<=70%	70.1-80%	80.1-90%	90.1-95%	95.1 +	Total
Florida	Loans (% of total)	5%	2%	1%	<1%	<1%	9%
	NPA + 90+ ratio	1.9%	2.8%	3.2%	3.6%	11.0%	2.7%
	YTD NCO ratio	2.3%	4.5%	11.6%	10.1%	18.1%	4.7%
Michigan	Loans (% of total)	9%	5%	4%	2%	2%	21%
	NPA + 90+ ratio	1.0%	0.9%	1.6%	1.0%	2.1%	1.2%
	YTD NCO ratio	1.2%	2.1%	2.8%	5.0%	4.9%	2.4%
Other	Loans (% of total)	28%	16%	13%	5%	8%	70%
	NPA + 90+ ratio	0.8%	0.8%	1.1%	1.1%	1.2%	0.9%
	YTD NCO ratio	0.5%	0.7%	1.9%	2.1%	2.7%	1.2%
Total	Loans (% of total)	42%	23%	18%	7%	11%	100%
	NPA + 90+ ratio	1.0%	1.0%	1.3%	1.2%	1.8%	1.1%
	YTD NCO ratio	0.9%	1.3%	2.7%	3.1%	3.7%	1.7%
1sts	Loans (% of total)	17%	7%	3%	1%	1%	28%
	NPA + 90+ ratio	0.7%	1.1%	2.9%	2.0%	2.5%	1.1%
	YTD NCO ratio	0.6%	1.0%	1.2%	4.8%	3.3%	0.9%
2nds	Loans (% of total)	26%	16%	15%	6%	10%	72%
	NPA + 90+ ratio	1.2%	1.0%	1.1%	1.1%	1.7%	1.2%
	YTD NCO ratio	1.1%	1.5%	2.9%	3.0%	3.7%	2.1%
Total	Loans (% of total)	42%	23%	18%	7%	11%	100%
	NPA + 90+ ratio	1.0%	1.0%	1.3%	1.2%	1.8%	1.1%
	YTD NCO ratio	0.9%	1.3%	2.7%	3.1%	3.7%	1.7%
HE loans	Loans (% of total)	5%	2%	2%	1%	2%	13%
	NPA + 90+ ratio	1.5%	1.2%	2.2%	1.2%	2.5%	1.7%
	YTD NCO ratio	1.1%	1.2%	1.7%	3.1%	3.0%	1.7%
HELOCs	Loans (% of total)	37%	20%	15%	6%	8%	87%
	NPA + 90+ ratio	0.9%	1.0%	1.2%	1.2%	1.6%	1.1%
	YTD NCO ratio	0.8%	1.3%	2.8%	3.1%	3.9%	1.7%
Total	Loans (% of total)	42%	23%	18%	7%	11%	100%
	NPA + 90+ ratio	1.0%	1.0%	1.3%	1.2%	1.8%	1.1%
	YTD NCO ratio	0.9%	1.3%	2.7%	3.1%	3.7%	1.7%
< 660#	Loans (% of total)	1%	1%	1%	<1%	1%	4%
	NPA + 90+ ratio	5.3%	3.8%	3.7%	3.6%	5.5%	4.5%
	YTD NCO ratio	3.0%	4.6%	8.8%	6.9%	9.0%	5.9%
660-689	Loans (% of total)	2%	2%	2%	1%	1%	7%
	NPA + 90+ ratio	1.1%	2.4%	3.1%	2.3%	2.5%	2.2%
	YTD NCO ratio	2.5%	2.6%	6.9%	7.2%	5.8%	4.5%
690-719	Loans (% of total)	3%	3%	3%	1%	2%	12%
	NPA + 90+ ratio	1.1%	2.1%	2.1%	1.6%	1.8%	1.7%
	YTD NCO ratio	1.0%	2.1%	4.0%	4.6%	5.2%	3.0%
720-749	Loans (% of total)	4%	4%	3%	1%	2%	15%
	NPA + 90+ ratio	0.8%	1.2%	1.2%	1.2%	1.7%	1.2%
	YTD NCO ratio	1.1%	1.7%	3.2%	2.8%	3.7%	2.3%
750+	Loans (% of total)	19%	14%	9%	3%	4%	50%
	NPA + 90+ ratio	0.2%	0.4%	0.7%	0.7%	1.1%	0.5%
	YTD NCO ratio	0.2%	0.7%	0.9%	1.5%	1.7%	0.7%
Other^	Loans (% of total)	12%	<1%	<1%	<1%	<1%	13%
	NPA + 90+ ratio	1.7%	0.5%	0.1%	0.0%	0.0%	1.7%
	YTD NCO ratio	1.4%	0.0%	0.0%	1.8%	2.6%	1.4%
Total	Loans (% of total)	42%	23%	18%	7%	11%	100%
	NPA + 90+ ratio	1.0%	1.0%	1.3%	1.2%	1.8%	1.1%
	YTD NCO ratio	0.9%	1.3%	2.7%	3.1%	3.7%	1.7%

# Includes relationship based and private lending

^ Includes acquired loans where FICOs at origination is not available

Note: Consumer net charge-off ratios are calculated using second quarter end of period loan balances

Note: Percentages may not sum due to rounding

4

Total home equity ($12.5 billion)

Combined loan-to-value (origination)

		<=70%	70.1-80%	80.1-90%	90.1-95%	95.1 +	Total
Florida	Loans (% of total)	5%	2%	1%	<1%	<1%	8%
	NPA + 90+ ratio	1.9%	3.3%	3.7%	5.0%	10.2%	3.0%
	YTD NCO ratio	2.4%	4.9%	13.5%	13.5%	21.3%	5.7%
Michigan	Loans (% of total)	7%	4%	4%	2%	3%	21%
	NPA + 90+ ratio	1.0%	1.0%	1.8%	1.5%	2.4%	1.4%
	YTD NCO ratio	1.4%	2.5%	3.7%	5.9%	7.3%	3.3%
Other	Loans (% of total)	25%	15%	13%	6%	12%	71%
	NPA + 90+ ratio	0.8%	1.0%	1.2%	1.2%	1.9%	1.2%
	YTD NCO ratio	0.6%	1.0%	2.3%	3.3%	4.9%	1.9%
Total	Loans (% of total)	37%	21%	18%	8%	16%	100%
	NPA + 90+ ratio	1.0%	1.2%	1.5%	1.4%	2.2%	1.4%
	YTD NCO ratio	1.0%	1.6%	3.2%	4.3%	5.8%	2.5%
1sts	Loans (% of total)	15%	6%	3%	1%	1%	25%
	NPA + 90+ ratio	0.8%	1.4%	2.9%	1.8%	3.3%	1.3%
	YTD NCO ratio	0.6%	1.2%	1.6%	4.1%	3.0%	1.1%
2nds	Loans (% of total)	22%	15%	16%	8%	14%	75%
	NPA + 90+ ratio	1.2%	1.1%	1.3%	1.4%	2.2%	1.4%
	YTD NCO ratio	1.2%	1.8%	3.5%	4.3%	6.0%	3.0%
Total	Loans (% of total)	37%	21%	18%	8%	16%	100%
	NPA + 90+ ratio	1.0%	1.2%	1.5%	1.4%	2.2%	1.4%
	YTD NCO ratio	1.0%	1.6%	3.2%	4.3%	5.8%	2.5%
HE loans	Loans (% of total)	4%	2%	3%	2%	4%	15%
	NPA + 90+ ratio	1.6%	1.6%	2.4%	1.4%	2.9%	2.1%
	YTD NCO ratio	1.2%	1.4%	2.4%	4.2%	5.4%	2.8%
HELOCs	Loans (% of total)	32%	19%	16%	7%	12%	85%
	NPA + 90+ ratio	0.9%	1.2%	1.3%	1.4%	2.0%	1.2%
	YTD NCO ratio	0.9%	1.7%	3.3%	4.3%	5.9%	2.5%
Total	Loans (% of total)	37%	21%	18%	8%	16%	100%
	NPA + 90+ ratio	1.0%	1.2%	1.5%	1.4%	2.2%	1.4%
	YTD NCO ratio	1.0%	1.6%	3.2%	4.3%	5.8%	2.5%
< 660#	Loans (% of total)	1%	1%	1%	<1%	1%	4%
	NPA + 90+ ratio	5.3%	4.9%	3.7%	3.9%	5.4%	4.7%
	YTD NCO ratio	3.3%	4.6%	8.5%	9.2%	10.0%	6.6%
660-689	Loans (% of total)	2%	1%	2%	1%	2%	8%
	NPA + 90+ ratio	1.1%	2.5%	3.0%	2.6%	3.2%	2.5%
	YTD NCO ratio	2.7%	3.1%	7.8%	8.1%	8.0%	5.8%
690-719	Loans (% of total)	3%	3%	3%	1%	3%	13%
	NPA + 90+ ratio	1.3%	2.4%	2.2%	1.6%	2.6%	2.1%
	YTD NCO ratio	1.2%	3.0%	4.6%	6.3%	7.1%	4.4%
720-749	Loans (% of total)	4%	4%	4%	2%	4%	17%
	NPA + 90+ ratio	0.8%	1.5%	1.4%	1.4%	2.2%	1.5%
	YTD NCO ratio	1.5%	2.3%	3.7%	3.6%	6.4%	3.5%
750+	Loans (% of total)	17%	12%	9%	4%	6%	48%
	NPA + 90+ ratio	0.3%	0.5%	0.8%	0.9%	1.3%	0.6%
	YTD NCO ratio	0.2%	0.8%	1.3%	2.4%	3.4%	1.1%
Other^	Loans (% of total)	10%	<1%	<1%	<1%	<1%	11%
	NPA + 90+ ratio	1.8%	0.5%	0.1%	0.0%	0.2%	1.7%
	YTD NCO ratio	1.4%	0.0%	0.0%	1.6%	2.2%	1.4%
Total	Loans (% of total)	37%	21%	18%	8%	16%	100%
	NPA + 90+ ratio	1.0%	1.2%	1.5%	1.4%	2.2%	1.4%
	YTD NCO ratio	1.0%	1.6%	3.2%	4.3%	5.8%	2.5%

# Includes relationship based and private lending

^ Includes acquired loans where FICOs at origination is not available

Note: Consumer net charge-off ratios are calculated using second quarter end of period loan balances

Note: Percentages may not sum due to rounding

5

Total residential mortgage ($8.5 billion)

FICO (origination)

		< 660#	660-689	690-719	720-750	750+	Other^	Total
Lots	Loans (% of total)	<1%	<1%	1%	1%	2%	3%	8%
	NPA + 90+ ratio	27.3%	25.4%	15.3%	14.9%	7.6%	22.7%	17.0%
	YTD NCO ratio	16.5%	25.7%	17.1%	13.8%	9.3%	20.2%	16.1%
Residential	Loans (% of total)	<1%	<1%	<1%	<1%	1%	<1%	2%
construction	NPA + 90+ ratio	0.0%	9.4%	0.0%	0.0%	0.0%	0.0%	0.4%
	YTD NCO ratio	0.0%	0.0%	0.0%	0.0%	0.0%	-2.8%	-0.5%
Other non-owner	Loans (% of total)	<1%	<1%	1%	<1%	1%	4%	7%
occupied	NPA + 90+ ratio	34.7%	31.6%	28.3%	21.5%	12.6%	23.1%	23.1%
	YTD NCO ratio	22.5%	25.5%	21.4%	20.9%	20.2%	9.8%	14.0%
Owner occupied	Loans (% of total)	9%	7%	11%	11%	26%	19%	84%
	NPA + 90+ ratio	10.6%	10.8%	6.6%	4.5%	2.3%	9.7%	6.5%
	YTD NCO ratio	5.0%	4.2%	2.8%	2.0%	1.1%	3.0%	2.6%
Total	Loans (% of total)	10%	8%	12%	13%	30%	27%	100%
	NPA + 90+ ratio	11.8%	12.6%	8.0%	5.8%	2.9%	13.2%	8.3%
	YTD NCO ratio	5.9%	6.4%	4.5%	3.5%	2.2%	5.9%	4.3%

Total residential mortgage ($8.5 billion)

Loan-to-value (origination)

		<=70%	70.1-80%	80.1-90%	90.1-95%	95.1 +	Total
Lots	Loans (% of total)	1%	2%	2%	<1%	3%	8%
	NPA + 90+ ratio	23.3%	25.4%	14.8%	8.3%	10.4%	17.0%
	YTD NCO ratio	21.2%	26.3%	13.2%	5.3%	9.4%	16.1%
Residential construction	Loans (% of total)	1%	1%	<1%	<1%	<1%	2%
	NPA + 90+ ratio	0.0%	0.8%	0.0%	0.0%	0.0%	0.4%
	YTD NCO ratio	0.0%	-1.0%	0.0%	0.0%	0.0%	-0.5%
Other non-owner	Loans (% of total)	1%	3%	1%	<1%	<1%	7%
occupied	NPA + 90+ ratio	15.8%	21.9%	35.1%	25.7%	14.2%	23.1%
	YTD NCO ratio	7.7%	13.1%	19.9%	8.7%	25.3%	14.0%
Owner occupied	Loans (% of total)	23%	35%	8%	5%	13%	84%
	NPA + 90+ ratio	4.5%	5.7%	12.0%	11.4%	6.9%	6.5%
	YTD NCO ratio	1.1%	1.9%	5.7%	4.8%	4.1%	2.6%
Total	Loans (% of total)	26%	41%	11%	5%	16%	100%
	NPA + 90+ ratio	5.7%	8.0%	15.0%	11.6%	7.6%	8.3%
	YTD NCO ratio	2.2%	4.0%	8.6%	4.9%	5.4%	4.3%

Total residential mortgage ($8.5 billion)

		Florida	Michigan	Other	Total
Lots	Loans (% of total)	4%	1%	3%	8%
	NPA + 90+ ratio	27.4%	5.6%	7.5%	17.0%
	YTD NCO ratio	28.2%	3.4%	5.1%	16.1%
Residential	Loans (% of total)	<1%	<1%	1%	2%
	NPA + 90+ ratio	0.0%	0.0%	0.6%	0.4%
	YTD NCO ratio	0.0%	0.0%	-0.7%	-0.5%
Other non-owner	Loans (% of total)	4%	<1%	2%	7%
occupied	NPA + 90+ ratio	27.6%	24.1%	14.4%	23.1%
	YTD NCO ratio	16.3%	24.5%	8.0%	14.0%
Owner occupied	Loans (% of total)	21%	13%	50%	84%
	NPA + 90+ ratio	11.6%	5.6%	4.5%	6.5%
	YTD NCO ratio	5.2%	2.9%	1.3%	2.6%
Total	Loans (% of total)	29%	14%	56%	100%
	NPA + 90+ ratio	15.8%	5.9%	5.0%	8.3%
	YTD NCO ratio	9.7%	3.4%	1.8%	4.3%

# Loans with FICO < 660 include CRA and FHA/VA loans as well as relationship based and private lending

^ Includes acquired loans where FICOs at origination is not available

Note: Consumer net charge-off ratios are calculated using second quarter end of period loan balances

Note: Percentages may not sum due to rounding

6

Total auto ($8.7 billion)

FICO (origination)

		< 660		660-689		690-719		720-750		750+		Other^		Total
Auto/Van	Loans (% of total)	1	%	4	%	8	%	9	%	19	%	1	%	41	%
	NPA + 90+ ratio	1.1	%	0.9	%	0.6	%	0.5	%	0.1	%	0.4	%	0.4	%
	YTD NCO ratio	5.1	%	3.9	%	2.6	%	1.7	%	0.7	%	3.3	%	1.7	%
Small/Med SUV and	Loans (% of total)	<1	%	3	%	5	%	6	%	13	%	<1	%	27	%
Compact Pickup	NPA + 90+ ratio	1.2	%	0.8	%	0.6	%	0.4	%	0.1	%	0.4	%	0.4	%
	YTD NCO ratio	4.6	%	3.0	%	2.4	%	1.4	%	0.6	%	1.3	%	1.4	%
Large SUV/Full Size Pickup	Loans (% of total)	<1	%	2	%	5	%	5	%	9	%	1	%	22	%
	NPA + 90+ ratio	1.1	%	1.0	%	0.7	%	0.4	%	0.2	%	0.7	%	0.5	%
	YTD NCO ratio	3.1	%	4.0	%	2.6	%	1.6	%	0.7	%	1.9	%	1.8	%
Other	Loans (% of total)	<1	%	1	%	1	%	2	%	5	%	1	%	9	%
	NPA + 90+ ratio	0.8	%	1.3	%	1.5	%	0.7	%	0.4	%	2.2	%	0.9	%
	YTD NCO ratio	8.5	%	6.1	%	5.4	%	4.6	%	1.7	%	11.7	%	4.0	%
Total	Loans (% of total)	2	%	9	%	20	%	21	%	45	%	2	%	100	%
	NPA + 90+ ratio	1.1	%	0.9	%	0.7	%	0.5	%	0.2	%	0.9	%	0.4	%
	YTD NCO ratio	5.1	%	3.8	%	2.7	%	1.8	%	0.8	%	4.4	%	1.9	%
New	Loans (% of total)	1	%	4	%	9	%	9	%	24	%	1	%	47	%
	NPA + 90+ ratio	0.9	%	0.9	%	0.6	%	0.4	%	0.1	%	0.6	%	0.4	%
	YTD NCO ratio	4.7	%	3.2	%	2.4	%	1.7	%	0.6	%	2.1	%	1.4	%
Used	Loans (% of total)	1	%	6	%	11	%	11	%	22	%	1	%	53	%
	NPA + 90+ ratio	1.2	%	0.9	%	0.8	%	0.5	%	0.2	%	1.3	%	0.5	%
	YTD NCO ratio	5.4	%	4.2	%	3.0	%	2.0	%	1.1	%	7.4	%	2.3	%
Total	Loans (% of total)	2	%	9	%	20	%	21	%	45	%	2	%	100	%
	NPA + 90+ ratio	1.1	%	0.9	%	0.7	%	0.5	%	0.2	%	0.9	%	0.4	%
	YTD NCO ratio	5.1	%	3.8	%	2.7	%	1.8	%	0.8	%	4.4	%	1.9	%
<=100% advance rate	Loans (% of total)	1	%	5	%	10	%	10	%	29	%	2	%	57	%
	NPA + 90+ ratio	1.0	%	0.7	%	0.5	%	0.3	%	0.1	%	0.9	%	0.3	%
	YTD NCO ratio	4.5	%	2.6	%	1.7	%	1.2	%	0.4	%	4.2	%	1.2	%
>100% advance rate	Loans (% of total)	1	%	4	%	10	%	11	%	17	%	1	%	43	%
	NPA + 90+ ratio	1.3	%	1.3	%	0.8	%	0.6	%	0.3	%	1.2	%	0.6	%
	YTD NCO ratio	6.3	%	5.4	%	3.7	%	2.5	%	1.5	%	5.1	%	2.8	%
Total	Loans (% of total)	2	%	9	%	20	%	21	%	45	%	2	%	100	%
	NPA + 90+ ratio	1.1	%	0.9	%	0.7	%	0.5	%	0.2	%	0.9	%	0.4	%
	YTD NCO ratio	5.1	%	3.8	%	2.7	%	1.8	%	0.8	%	4.4	%	1.9	%
<=60 month term	Loans (% of total)	1	%	2	%	4	%	5	%	15	%	1	%	28	%
	NPA + 90+ ratio	0.9	%	0.7	%	0.4	%	0.2	%	0.1	%	0.6	%	0.2	%
	YTD NCO ratio	4.2	%	2.7	%	1.5	%	0.8	%	0.3	%	3.1	%	0.9	%
>60 month term	Loans (% of total)	1	%	7	%	16	%	16	%	30	%	1	%	72	%
	NPA + 90+ ratio	1.2	%	1.0	%	0.8	%	0.5	%	0.2	%	1.2	%	0.5	%
	YTD NCO ratio	5.6	%	4.2	%	3.0	%	2.2	%	1.1	%	5.8	%	2.2	%
Total	Loans (% of total)	2	%	9	%	20	%	21	%	45	%	2	%	100	%
	NPA + 90+ ratio	1.1	%	0.9	%	0.7	%	0.5	%	0.2	%	0.9	%	0.4	%
	YTD NCO ratio	5.1	%	3.8	%	2.7	%	1.8	%	0.8	%	4.4	%	1.9	%

^ Includes acquired loans where FICOs at origination is not available

Note: Consumer net charge-off ratios are calculated using second quarter end of period loan balances

Note: Percentages may not sum due to rounding

7

						Consumer loans by vintage
		Mortgage								Home equity
		Lot		Resi constr		Other non- owner occ’d		Owner occ’d		Brokered		Direct		Auto		Card		Other		Total
2009	Loans (% of total, by loan type)	<1	%	5	%	<1	%	3	%	0	%	3	%	21	%	11	%	<1	%	8	%
	NPA + 90+ ratio	0.0	%	0.0	%	0.0	%	0.4	%	0.0	%	0.0	%	0.1	%	0.1	%	0.0	%	0.1	%
	YTD NCO ratio	0.0	%	0.0	%	0.0	%	0.0	%	0.0	%	0.0	%	0.1	%	0.0	%	0.0	%	0.1	%
2008	Loans (% of total, by loan type)	2	%	65	%	2	%	15	%	1	%	14	%	34	%	18	%	44	%	19	%
	NPA + 90+ ratio	5.2	%	0.0	%	5.3	%	3.4	%	0.2	%	0.3	%	0.4	%	4.7	%	0.1	%	1.1	%
	YTD NCO ratio	1.2	%	0.0	%	10.5	%	1.0	%	0.9	%	0.5	%	1.8	%	6.5	%	0.4	%	1.6	%
2007	Loans (% of total, by loan type)	13	%	20	%	10	%	18	%	14	%	12	%	19	%	30	%	27	%	17	%
	NPA + 90+ ratio	8.4	%	0.0	%	25.9	%	6.5	%	1.9	%	1.1	%	0.6	%	7.5	%	0.2	%	3.3	%
	YTD NCO ratio	13.5	%	0.0	%	27.4	%	3.0	%	4.0	%	1.9	%	2.6	%	11.0	%	2.1	%	3.9	%
2006	Loans (% of total, by loan type)	35	%	6	%	18	%	15	%	33	%	14	%	11	%	11	%	13	%	15	%
	NPA + 90+ ratio	14.2	%	6.6	%	30.5	%	11.0	%	3.0	%	1.8	%	0.7	%	8.9	%	0.2	%	5.3	%
	YTD NCO ratio	14.1	%	-7.8	%	23.2	%	4.7	%	9.6	%	4.0	%	3.1	%	11.7	%	4.5	%	6.1	%
2005	Loans (% of total, by loan type)	39	%	3	%	39	%	24	%	26	%	14	%	9	%	8	%	13	%	16	%
	NPA + 90+ ratio	21.3	%	0.0	%	28.1	%	7.2	%	2.3	%	1.3	%	0.5	%	8.2	%	0.4	%	5.6	%
	YTD NCO ratio	20.6	%	0.0	%	12.5	%	3.1	%	7.1	%	2.7	%	2.1	%	9.9	%	3.0	%	4.7	%
2004 & prior	Loans (% of total, by loan type)	12	%	2	%	31	%	26	%	26	%	43	%	6	%	22	%	3	%	25	%
	NPA + 90+ ratio	22.7	%	0.0	%	13.2	%	5.6	%	2.3	%	1.2	%	0.8	%	7.6	%	0.6	%	3.1	%
	YTD NCO ratio	12.8	%	0.0	%	6.8	%	1.7	%	3.4	%	1.4	%	3.6	%	10.0	%	3.3	%	2.4	%
Total	Loans (% of total, by loan type)	100	%	100	%	100	%	100	%	100	%	100	%	100	%	100	%	100	%	100	%
	NPA + 90+ ratio	17.0	%	0.4	%	23.1	%	6.5	%	2.4	%	1.1	%	0.4	%	6.5	%	0.2	%	3.2	%
	YTD NCO ratio	16.1	%	-0.5	%	14.0	%	2.6	%	6.5	%	1.7	%	1.9	%	8.8	%	1.8	%	3.2	%

Note: Consumer net charge-off ratios are calculated using second quarter end of period loan balances

Note: Percentages may not sum due to rounding

8

Second Quarter 2009 Portfolio Loan and Lease Stratifications Commercial

9

Total commercial loans ($48.8 billion)
		Florida	Michigan	Other	Total
Other non-owner occupied	Loans (% of total)	4%	4%	13%	22%
RE	NPA ratio	19.7%	7.9%	11.0%	11.8%
	YTD NCO ratio	9.8%	4.6%	3.8%	5.0%
Owner-occupied RE	Loans (% of total)	1%	4%	8%	13%
	NPA ratio	7.1%	4.7%	3.8%	4.4%
	YTD NCO ratio	0.7%	2.3%	1.3%	1.5%
C&I	Loans (% of total)	4%	10%	45%	58%
	NPA ratio	4.1%	2.1%	2.1%	2.2%
	YTD NCO ratio	5.0%	2.4%	1.6%	2.0%
Commercial lease	Loans (% of total)	<1%	<1%	7%	7%
	NPA ratio	0.0%	2.0%	1.4%	1.5%
	YTD NCO ratio	0.0%	0.2%	NM	0.0%
Other	Loans (% of total)	<1%	<1%	<1%	<1%
	NPA ratio	0.0%	0.0%	0.0%	0.0%
	YTD NCO ratio	0.0%	0.0%	NM	NM
Total	Loans (% of total)	9%	18%	73%	100%
	NPA ratio	11.0%	4.0%	3.9%	4.5%
	YTD NCO ratio	6.3%	2.9%	1.9%	2.4%
C&I	Loans (% of total)	4%	10%	45%	58%
	NPA ratio	4.1%	2.1%	2.1%	2.2%
	YTD NCO ratio	5.0%	2.4%	1.6%	2.0%
Commercial mortgage	Loans (% of total)	3%	7%	15%	25%
	NPA ratio	11.8%	5.2%	5.7%	6.4%
	YTD NCO ratio	5.1%	2.8%	2.0%	2.6%
Commercial construction	Loans (% of total)	2%	1%	6%	9%
	NPA ratio	24.5%	12.7%	14.9%	16.4%
	YTD NCO ratio	11.3%	7.1%	5.1%	6.5%
Commercial lease	Loans (% of total)	<1%	<1%	7%	7%
	NPA ratio	0.0%	2.0%	1.4%	1.5%
	YTD NCO ratio	0.0%	0.2%	NM	0.0%
Other	Loans (% of total)	<1%	<1%	<1%	<1%
	NPA ratio	0.0%	0.0%	0.0%	0.0%
	YTD NCO ratio	0.0%	0.0%	0.0%	0.0%
Total	Loans (% of total)	9%	18%	73%	100%
	NPA ratio	11.0%	4.0%	3.9%	4.5%
	YTD NCO ratio	6.3%	2.9%	1.9%	2.4%
Homebuilders / developers (included in #’s above)	Loans (% of total) NPA ratio YTD NCO ratio	1%	1%	3%	4%
		38.8%	23.2%	28.0%	29.1%
		14.6%	14.3%	11.1%	12.3%

NPAs exclude loans held-for-sale

Note: Percentages may not sum due to rounding

10

Total commercial loans ($48.8 billion)
		C&I	Commercial mortgage	Commercial construction	Other	Total
Other non-owner occupied	Loans (% of total)	<1%	14%	8%	<1%	22%
RE	NPA ratio	0.0%	8.2%	18.1%	0.0%	11.8%
	YTD NCO ratio	0.0%	3.5%	7.5%	0.0%	5.0%
Owner-occupied RE	Loans (% of total)	<1%	12%	1%	<1%	13%
	NPA ratio	0.0%	4.2%	6.7%	0.0%	4.4%
	YTD NCO ratio	0.0%	1.6%	1.1%	0.0%	1.5%
C&I	Loans (% of total)	58%	<1%	<1%	<1%	58%
	NPA ratio	2.2%	0.0%	0.0%	0.0%	2.2%
	YTD NCO ratio	2.0%	0.0%	0.0%	0.0%	2.0%
Commercial lease	Loans (% of total)	<1%	<1%	<1%	7%	7%
	NPA ratio	0.0%	0.0%	0.0%	1.5%	1.5%
	YTD NCO ratio	0.0%	0.0%	0.0%	0.0%	0.0%
Other	Loans (% of total)	<1%	<1%	<1%	1%	<1%
	NPA ratio	0.0%	0.0%	0.0%	0.0%	0.0%
	YTD NCO ratio	0.0%	0.0%	0.0%	0.0%	0.0%
Total	Loans (% of total)	58%	25%	9%	7%	100%
	NPA ratio	2.2%	6.4%	16.4%	1.5%	4.5%
	YTD NCO ratio	2.0%	2.6%	6.5%	0.0%	2.4%
Homebuilders / developers (included in #’s above)	Loans (% of total) NPA ratio YTD NCO ratio	1%	2%	2%	<1%	4%
		11.8%	30.2%	33.3%	0.0%	29.1%
		6.4%	9.9%	15.9%	0.0%	12.3%

NPAs exclude loans held-for-sale

Note: Percentages may not sum due to rounding

11

Total commercial loans ($48.8 billion)
		Residential raw land		Residential developed land		Residential vertical land		Commercial raw land		Commercial developed land		Other		Total
Other non-owner occupied RE	Loans (% of total) NPA ratio YTD NCO ratio	1	%	1	%	3	%	1	%	1	%	14	%	22	%
		25.9	%	33.6	%	26.4	%	18.3	%	17.0	%	5.1	%	11.8	%
		12.0	%	18.9	%	10.9	%	7.5	%	4.9	%	1.8	%	5.0	%
Owner-occupied RE	Loans (% of total)	<1	%	<1	%	<1	%	<1	%	<1	%	13	%	13	%
	NPA ratio	0.0	%	67.7	%	8.1	%	0.0	%	1.1	%	4.2	%	4.4	%
	YTD NCO ratio	0.0	%	3.0	%	4.7	%	0.0	%	NM		1.4	%	1.5	%
C&I	Loans (% of total)	<1	%	<1	%	1	%	<1	%	<1	%	57	%	58	%
	NPA ratio	29.0	%	4.5	%	9.8	%	3.8	%	2.4	%	2.1	%	2.2	%
	YTD NCO ratio	2.5	%	3.9	%	2.9	%	0.5	%	9.3	%	2.0	%	2.0	%
Commercial lease	Loans (% of total)	<1	%	<1	%	<1	%	<1	%	<1	%	7	%	7	%
	NPA ratio	0.0	%	0.0	%	0.0	%	0.0	%	0.0	%	1.5	%	1.5	%
	YTD NCO ratio	0.0	%	0.0	%	0.0	%	0.0	%	0.0	%	0.0	%	0.0	%
Other	Loans (% of total)	<1	%	<1	%	<1	%	<1	%	<1	%	<1	%	<1	%
	NPA ratio	0.0	%	0.0	%	0.0	%	0.0	%	0.0	%	0.0	%	0.0	%
	YTD NCO ratio	0.0	%	0.0	%	0.0	%	0.0	%	0.0	%	NM		NM
Total	Loans (% of total)	1	%	1	%	4	%	1	%	1	%	91	%	100	%
	NPA ratio	26.0	%	32.9	%	21.0	%	14.4	%	15.3	%	2.8	%	4.5	%
	YTD NCO ratio	11.6	%	18.0	%	8.6	%	5.7	%	4.9	%	1.7	%	2.4	%
Florida	Loans (% of total)	<1	%	<1	%	1	%	<1	%	<1	%	7	%	9	%
	NPA ratio	32.5	%	43.1	%	37.5	%	17.7	%	22.5	%	5.2	%	11.0	%
	YTD NCO ratio	16.5	%	35.3	%	12.4	%	7.3	%	4.5	%	3.9	%	6.3	%
Michigan	Loans (% of total)	<1	%	<1	%	1	%	<1	%	<1	%	16	%	18	%
	NPA ratio	18.9	%	35.4	%	11.5	%	17.7	%	6.8	%	2.9	%	4.0	%
	YTD NCO ratio	15.5	%	28.0	%	11.3	%	10.8	%	3.4	%	1.8	%	2.9	%
Other	Loans (% of total)	1	%	1	%	3	%	1	%	1	%	68	%	73	%
	NPA ratio	27.0	%	28.0	%	19.3	%	12.4	%	12.6	%	2.5	%	3.9	%
	YTD NCO ratio	8.1	%	7.7	%	6.9	%	3.7	%	5.3	%	1.4	%	1.9	%
Total	Loans (% of total)	1	%	1	%	4	%	1	%	1	%	91	%	100	%
	NPA ratio	26.0	%	32.9	%	21.0	%	14.4	%	15.3	%	2.8	%	4.5	%
	YTD NCO ratio	11.6	%	18.0	%	8.6	%	5.7	%	4.9	%	1.7	%	2.4	%
Homebuilders / developers (included in #’s above)	Loans (% of total) NPA ratio YTD NCO ratio	1	%	1	%	1	%	<1	%	<1	%	<1	%	4	%
		26.3	%	33.0	%	34.6	%	0.0	%	0.0	%	8.5	%	29.1	%
		10.1	%	12.6	%	15.5	%	0.0	%	0.0	%	8.4	%	12.3	%

NPAs exclude loans held-for-sale

Note: Percentages may not sum due to rounding

12

Total commercial loans ($48.8 billion)
		C&I	Commercial mortgage	Commercial construction	Other	Total
Accommodation	Loans (% of total)	1%	1%	<1%	<1%	2%
	NPA ratio	1.6%	3.3%	10.4%	3.0%	2.5%
	YTD NCO ratio	1.4%	3.1%	1.5%	0.0%	2.0%
Auto manufacturing	Loans (% of total)	1%	<1%	<1%	<1%	1%
	NPA ratio	0.5%	0.0%	0.0%	0.0%	0.5%
	YTD NCO ratio	0.4%	0.0%	0.0%	0.0%	0.4%
Construction	Loans (% of total)	3%	3%	3%	<1%	9%
	NPA ratio	6.5%	20.9%	28.9%	8.2%	19.4%
	YTD NCO ratio	5.6%	7.5%	11.2%	0.0%	8.3%
Finance & insurance	Loans (% of total)	9%	<1%	<1%	<1%	10%
	NPA ratio	1.3%	2.8%	1.6%	0.0%	1.3%
	YTD NCO ratio	0.9%	0.9%	0.0%	0.0%	0.9%
Manufacturing	Loans (% of total)	11%	1%	<1%	1%	13%
	NPA ratio	1.7%	4.4%	1.2%	3.6%	2.1%
	YTD NCO ratio	1.5%	3.5%	0.0%	0.0%	1.6%
Real estate	Loans (% of total)	5%	13%	4%	<1%	22%
	NPA ratio	3.6%	5.5%	10.6%	0.6%	6.0%
	YTD NCO ratio	2.4%	2.5%	4.6%	0.0%	2.8%
Retail trade	Loans (% of total)	2%	1%	<1%	<1%	3%
	NPA ratio	3.1%	6.1%	12.4%	2.3%	4.2%
	YTD NCO ratio	2.1%	1.3%	1.7%	0.0%	1.8%
Auto retailers	Loans (% of total)	2%	1%	<1%	<1%	3%
	NPA ratio	4.7%	6.1%	0.0%	0.0%	4.9%
	YTD NCO ratio	8.2%	0.8%	0.0%	0.0%	6.6%
Wholesale trade	Loans (% of total)	4%	1%	<1%	<1%	5%
	NPA ratio	1.9%	3.5%	1.3%	1.6%	2.0%
	YTD NCO ratio	0.8%	2.7%	0.0%	0.0%	1.0%
Other	Loans (% of total)	20%	5%	1%	5%	32%
	NPA ratio	1.8%	2.6%	4.4%	0.9%	1.9%
	YTD NCO ratio	1.5%	0.6%	1.2%	NM	1.1%
Total	Loans (% of total)	58%	25%	9%	7%	100%
	NPA ratio	2.2%	6.4%	16.4%	1.5%	4.5%
	YTD NCO ratio	2.0%	2.6%	6.5%	0.0%	2.4%

NPAs exclude loans held-for-sale

Note: Percentages may not sum due to rounding

13

Total commercial loans ($48.8 billion)
		Florida	Michigan	Other	Total
Accommodation	Loans (% of total)	<1%	<1%	1%	2%
	NPA ratio	2.3%	4.0%	2.2%	2.5%
	YTD NCO ratio	2.7%	4.7%	1.1%	2.0%
Auto manufacturing	Loans (% of total)	<1%	1%	1%	1%
	NPA ratio	0.0%	0.1%	0.9%	0.5%
	YTD NCO ratio	0.0%	0.1%	0.7%	0.4%
Construction	Loans (% of total)	1%	1%	6%	9%
	NPA ratio	32.4%	13.5%	18.2%	19.4%
	YTD NCO ratio	11.6%	8.4%	7.7%	8.3%
Finance & insurance	Loans (% of total)	<1%	1%	8%	10%
	NPA ratio	2.0%	0.6%	1.4%	1.3%
	YTD NCO ratio	5.4%	0.0%	0.7%	0.9%
Manufacturing	Loans (% of total)	<1%	2%	11%	13%
	NPA ratio	4.1%	1.3%	2.2%	2.1%
	YTD NCO ratio	0.0%	1.5%	1.6%	1.6%
Real estate	Loans (% of total)	3%	6%	13%	22%
	NPA ratio	15.1%	5.1%	4.3%	6.0%
	YTD NCO ratio	9.0%	2.8%	1.4%	2.8%
Retail trade	Loans (% of total)	<1%	1%	2%	3%
	NPA ratio	2.9%	6.5%	3.5%	4.2%
	YTD NCO ratio	1.9%	3.2%	1.3%	1.8%
Auto retailers	Loans (% of total)	<1%	<1%	2%	3%
	NPA ratio	9.0%	1.1%	5.3%	4.9%
	YTD NCO ratio	18.7%	2.0%	6.2%	6.6%
Wholesale trade	Loans (% of total)	<1%	1%	4%	5%
	NPA ratio	0.7%	2.5%	2.1%	2.0%
	YTD NCO ratio	0.4%	2.7%	0.7%	1.0%
Other	Loans (% of total)	2%	4%	25%	32%
	NPA ratio	1.2%	2.5%	1.8%	1.9%
	YTD NCO ratio	1.1%	2.8%	0.8%	1.1%
Total	Loans (% of total)	9%	18%	73%	100%
	NPA ratio	11.0%	4.0%	3.9%	4.5%
	YTD NCO ratio	6.3%	2.9%	1.9%	2.4%

NPAs exclude loans held-for-sale

Note: Percentages may not sum due to rounding

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