Fifth Third Bancorp (FITB) 8-K Fifth Third Bancorp Reports 2009 Net Income of $737 Million

Exhibit 99.3

January 2010

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 IR@53.com

Jim Eglseder	Rich Rosen
VP / Investor Relations	VP / Investor Relations
(513) 534-8424	(513) 534-3307

Yearly Data

	Years Ended December 31,
	2009		2008			2007		2006		2005
Ratios (percent)
Return on assets		0.64		(1.85	)		1.05		1.13		1.51
Return on average common equity		5.6		(23.0	)		11.2		12.1		16.6
Average equity as a percent of average assets		11.36		8.78			9.35		9.32		9.06
Net interest margin (a)		3.32		3.54			3.36		3.06		3.23
Efficiency (a)		46.9		70.4			60.2		55.4		52.1
Net losses charged off as a percent of average loans and leases		3.20		3.23			0.61		0.44		0.45
Allowance for loan and lease losses as a percent of loans and leases		4.88		3.31			1.17		1.04		1.06
Allowance for credit losses as a percent of loans and leases		5.27		3.54			1.29		1.14		1.16
Nonperforming assets as a percent of loans, leases and other assets, including OREO (b)		4.22		2.38			1.32		0.61		0.52
Allowance for loan and lease losses as a percent of nonperforming assets		108.08		112.44			88.06		169.62		206.03
Allowance for credit losses as a percent of nonperforming assets		116.56		120.30			96.99		186.33		225.33
Common Share Data
Earnings per share	$	0.73	$	(3.91	)	$	1.99	$	2.13	$	2.79
Earnings per diluted share		0.67		(3.91	)		1.98		2.12		2.77
Cash dividends per common share		0.04		2.52			1.70		1.58		1.46
Book value per share		12.44		13.57			17.24		18.00		16.98
Common shares outstanding, excluding treasury		795,068,164		577,386,612			532,671,925		556,252,674		555,623,430
Market price per share:
High	$	11.20	$	28.58		$	43.32	$	41.57	$	48.12
Low		1.01		6.32			24.82		35.86		35.04
Close		9.75		8.26			25.13		40.93		37.72
Supplemental Data
Common dividends declared ($ in millions)	$	29	$	413		$	914	$	880	$	810
Full-time equivalent employees		20,998		21,476			21,683		21,362		21,681
Banking centers		1,309		1,307			1,227		1,150		1,119
ATMs		2,358		2,341			2,211		2,096		2,024

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

(b) Excludes nonperforming assets held for sale.

2

Yearly Data

	Years Ended December 31,
	2009			2008			2007			2006			2005
Income Statement ($ in millions)
Interest income (FTE)	$	4,687		$	5,630		$	6,051		$	5,981		$	5,026
Interest expense		1,314			2,094			3,018			3,082			2,030
Net interest income (FTE)		3,373			3,536			3,033			2,899			2,996
Provision for loan and lease losses		3,543			4,560			628			343			330
Noninterest income:
Service charges on deposits		632			641			579			517			522
Investment advisory revenue		299			353			382			367			358
Corporate banking revenue		399			444			367			318			299
Mortgage banking net revenue		553			199			133			155			174
Card and processing revenue		615			912			825			717			622
Gain on sale of processing business		1,758			—			—			—			—
Other noninterest income		479			1,275			154			299			360
Securities gains (losses), net		(10	)		(86	)		21			(364	)		39
Securities gains, net - non-qualifying hedges on mortgage servicing rights		57			120			6			3			—
Total noninterest income		4,782			2,946			2,467			2,012			2,374
Noninterest expense:
Salaries, wages, and incentives		1,339			1,337			1,239			1,174			1,133
Employee benefits		311			278			278			292			283
Net occupancy expense		308			300			269			245			221
Technology and communications		181			191			169			141			142
Equipment expense		123			130			123			116			105
Card and processing expense		193			274			244			184			145
Other noninterest expense		1,564			2,328			989			763			772
Total noninterest expense		3,826			4,564			3,311			2,915			2,801
Income (loss) before income taxes and cumulative effect (FTE)		786			(2,642	)		1,561			1,653			2,239
Taxable equivalent adjustment		19			22			24			26			31
Income (loss) before income taxes and cumulative effect		767			(2,664	)		1,537			1,627			2,208
Applicable income taxes		30			(551	)		461			443			659
Income (loss) before cumulative effect		737			(2,113	)		1,076			1,184			1,549
Cumulative effect of change in accounting principle, net of tax		—			—			—			4			—
Net income (loss)	$	737		$	(2,113	)	$	1,076		$	1,188		$	1,549
Dividend on Preferred Stock		226			67			1			—			1
Net income (loss) available to common shareholders	$	511		$	(2,180	)	$	1,075		$	1,188		$	1,548
Regulatory Capital Data ($ in millions) (a)
Tier I capital	$	13,428		$	11,924		$	8,924		$	8,625		$	8,209
Tier II capital		4,207			4,722			2,809			2,760			2,031
Total risk-based capital	$	17,635		$	16,646		$	11,733		$	11,385		$	10,240
Risk-weighted assets	$	100,862		$	112,622		$	115,529		$	102,823		$	98,293
Tier I capital ratio		13.31	%		10.59	%		7.72	%		8.39	%		8.35	%
Total risk-based capital ratio		17.48	%		14.78	%		10.16	%		11.07	%		10.42	%
Tier I leverage ratio		12.43	%		10.27	%		8.50	%		8.44	%		8.08	%
Tier I common equity ratio		7.00	%		4.37	%		5.72	%		8.22	%		8.17	%

(a) 2009 regulatory capital data and ratios are estimated.

3

Yearly Data

	Years Ended December 31,
	2009			2008			2007			2006			2005
Balance Sheet ($ in millions, except share data)
Assets
Cash and due from banks	$	2,318		$	2,739		$	2,660		$	2,705		$	3,070
Available-for-sale securities		18,213			12,728			10,677			11,053			21,924
Held-to-maturity securities		355			360			355			356			389
Trading securities		355			1,191			171			187			117
Other short-term investments		3,369			3,578			620			841			166
Total cash and securities		24,610			20,596			14,483			15,142			25,666
Loans held for sale		2,067			1,452			4,329			1,150			1,304
Portfolio loans and leases		76,779			84,143			80,253			74,353			69,925
Total loans and leases		78,846			85,595			84,582			75,503			71,229
Allowance for loan and lease losses		(3,749	)		(2,787	)		(937	)		(771	)		(744	)
Bank premises and equipment		2,400			2,494			2,223			1,940			1,726
Operating lease equipment		499			463			353			202			143
Goodwill		2,417			2,624			2,470			2,193			2,169
Intangible assets		106			168			147			166			208
Servicing rights		700			499			618			524			441
Other real estate owned		300			231			159			88			54
Other assets		7,251			9,881			9,087			7,622			6,059
Total assets	$	113,380		$	119,764		$	110,962		$	100,669		$	105,225
Liabilities
Deposits:
Demand	$	19,411		$	15,287		$	14,404		$	14,331		$	14,609
Interest checking		19,935			14,222			15,254			15,993			18,282
Savings		17,898			16,063			15,635			13,181			11,276
Money market		4,431			4,689			6,521			6,584			6,129
Foreign Office		2,454			2,144			2,572			1,353			421
Other time		12,466			14,350			11,440			10,987			9,313
Certificates - $100,000 and over		7,700			11,851			6,738			6,628			4,343
Other foreign office		10			7			2,881			323			3,061
Total deposits		84,305			78,613			75,445			69,380			67,434
Federal funds purchased		182			287			4,427			1,421			5,323
Other short-term borrowings		1,415			9,959			4,747			2,796			4,246
Other liabilities		3,474			5,243			4,325			4,492			3,549
Long-term debt		10,507			13,585			12,857			12,558			15,227
Total liabilities		99,883			107,687			101,801			90,647			95,779
Shareholders’ Equity
Common and preferred equity		13,457			12,208			11,496			11,433			11,138
Net unrealized gains (losses):
Available-for-sale securities		216			115			(93	)		(119	)		(395	)
Qualifying cash flow hedges		105			88			24			(1	)		(13	)
Accumulated other comprehensive income related to employee benefit plans		(80	)		(105	)		(57	)		(59	)		(5	)
Treasury stock, at cost		(201	)		(229	)		(2,209	)		(1,232	)		(1,279	)
Total shareholders’ equity		13,497			12,077			9,161			10,022			9,446
Total liabilities & shareholders’ equity	$	113,380		$	119,764		$	110,962		$	100,669		$	105,225
Share Data
Preferred shares outstanding		152,771			180,620			9,250			9,250			9,250
Common shares outstanding, excluding treasury		795,068,164			577,386,612			532,671,925			556,252,674			555,623,430
Treasury shares held		6,436,023			6,040,492			50,755,179			27,174,430			27,803,674

4

Yearly Data

	Years Ended December 31,
	2009			2008			2007			2006			2005
Average Balance Sheet ($ in millions, except share data)
Assets
Interest-earning assets:
Loans and leases	$	83,391		$	85,835		$	78,348		$	73,493		$	67,737
Taxable securities		16,861			13,082			11,131			20,306			24,017
Tax exempt securities		239			342			499			604			789
Other short-term investments		1,035			621			404			410			201
Total interest-earning assets		101,526			99,880			90,382			94,813			92,744
Cash and due from banks		2,329			2,490			2,275			2,463			2,750
Other assets		14,266			13,411			10,613			8,713			8,102
Allowance for loan and lease losses		(3,265	)		(1,485	)		(793	)		(751	)		(720	)
Total assets	$	114,856		$	114,296		$	102,477		$	105,238		$	102,876
Liabilities
Interest-bearing liabilities:
Interest checking	$	15,070		$	14,191		$	14,820		$	16,650		$	18,884
Savings		16,875			16,192			14,836			12,189			10,007
Money market		4,320			6,127			6,308			6,366			5,170
Foreign office		2,108			2,153			1,762			732			248
Other time		14,103			11,135			10,778			10,500			8,491
Certificates - $100,000 and over		10,367			9,532			6,466			5,795			4,001
Other foreign office		157			2,066			1,393			2,979			3,719
Federal funds purchased		517			2,975			3,646			4,148			4,225
Short-term borrowings		6,463			7,785			3,244			8,670			9,511
Long-term debt		11,035			13,903			12,505			14,247			16,384
Total interest-bearing liabilities		81,015			86,059			75,758			78,128			76,415
Demand deposits		16,862			14,017			13,261			13,741			13,868
Other liabilities		3,926			4,182			3,876			3,558			3,276
Total liabilities		101,803			104,258			92,894			95,427			93,559
Shareholders’ equity		13,053			10,038			9,583			9,811			9,317
Total liabilities & shareholders’ equity	$	114,856		$	114,296		$	102,477		$	105,238		$	102,876
Average loans and leases (excluding held for sale)	$	80,681		$	83,895		$	76,033		$	72,447		$	66,685
Average common shares outstanding:
Basic		696,452,466			553,112,898			537,669,793			554,983,021			554,410,581
Diluted		726,508,263			553,112,898			540,118,386			557,493,607			558,442,819

5

Yearly Data

	Years Ended December 31,
	2009			2008			2007			2006			2005
End of Period Loans and Leases ($ in millions)(net of unearned discount)
Commercial:
Commercial loans	$	25,687		$	29,220		$	26,079		$	20,831		$	19,377
Commercial mortgage		11,936			12,952			11,967			10,405			9,188
Commercial construction		3,871			5,114			5,561			6,168			6,342
Commercial leases		3,535			3,666			3,737			3,841			3,698
Subtotal - commercial		45,029			50,952			47,344			41,245			38,605
Consumer:
Residential mortgage		9,845			10,292			11,433			9,905			8,991
Home equity		12,174			12,752			11,874			12,154			11,805
Automobile loans		8,995			8,594			11,183			10,028			9,396
Credit card		1,990			1,811			1,591			1,004			788
Other consumer loans and leases		813			1,198			1,157			1,167			1,644
Subtotal - consumer		33,817			34,647			37,238			34,258			32,624
Total loans and leases	$	78,846		$	85,599		$	84,582		$	75,503		$	71,229
Average Loans and Leases ($ in millions)(net of unearned discount)
Commercial:
Commercial loans	$	27,556		$	28,426		$	22,351		$	20,504		$	18,310
Commercial mortgage		12,511			12,776			11,078			9,797			8,923
Commercial construction		4,638			5,846			5,661			6,015			5,525
Commercial leases		3,543			3,680			3,683			3,730			3,495
Subtotal - commercial		48,248			50,728			42,773			40,046			36,253
Consumer:
Residential mortgage		10,886			10,993			10,489			9,574			8,982
Home equity		12,534			12,269			11,887			12,070			11,229
Automobile loans		8,807			8,925			10,704			9,570			8,650
Credit card		1,907			1,708			1,276			838			728
Other consumer loans and leases		1,009			1,213			1,219			1,394			1,897
Subtotal - consumer		35,143			35,108			35,575			33,446			31,486
Total average loans and leases	$	83,391		$	85,836		$	78,348		$	73,492		$	67,739
Asset Quality ($ in millions)
Nonaccrual loans and leases	$	2,642		$	1,696		$	813		$	352		$	294
Nonaccrual loans held for sale		220			473			—			—			—
Restructured loans - commercial (non accrual) held for sale		4			—			—			—			—
Restructured loans and leases (non accrual) portfolio		305			80			80			—			—
Other assets, including other real estate owned		297			230			171			103			67
Total nonperforming assets	$	3,468		$	2,479		$	1,064		$	455		$	361
Ninety days past due loans and leases	$	567		$	662		$	491		$	210		$	155
Nonperforming Loans ($ in millions) (non-accrual plus renegotiated)
Commercial mortgage	$	1,035			715			243			84		$	51
Commercial construction loans		741			578			249			54			31
Commercial loans and leases		840			586			180			133			146
Consumer mortgage and construction		412			279			121			38			30
Other consumer loans and leases		144			91			100			43			36
Total nonperforming loans	$	3,172		$	2,249		$	893		$	352		$	294
Credit Charge-Offs ($ in millions)
Gross charge-offs	$	(2,719	)	$	(2,792	)	$	(544	)	$	(408	)	$	(373	)
Recoveries		138			82			81			92			74
Net losses charged off	$	(2,581	)	$	(2,710	)	$	(463	)	$	(316	)	$	(299	)

6