Fifth Third Bancorp (FITB) 10-Q 2010 Q3 Quarterly report

Exhibit 12.2

Fifth Third Bancorp

Computations of Consolidated Ratios Of Earnings To Combined Fixed Charges and Preferred Stock Dividend Requirements

($ In Millions)

	Three Months Ended 9/30/2010		Nine Months  Ended 9/30/2010
Excluding Interest on Deposits:
Fixed Charges:
Interest Expense (excluding interest on deposits)	$	73	$	222
One-Third of Rents, Net of Income from Subleases		7		20
Preferred Stock Dividends		51		154
Total Fixed Charges		131		396
Earnings:
Income Before Income Taxes	$	303	$	523
Fixed Charges – Excluding Preferred Stock Dividends		80		242
Total Earnings		383		765
Ratio of Earnings to Fixed Charges, Excluding
Interest On Deposits		2.91x		1.93x
Including Interest on Deposits:
Fixed Charges:
Interest Expense	$	214	$	695
One-Third of Rents, Net of Income from Subleases		7		20
Preferred Stock Dividends		51		154
Total Fixed Charges	$	272	$	869
Earnings:
Income Before Income Taxes	$	303	$	523
Fixed Charges – Excluding Preferred Stock Dividends		221		715
Total Earnings	$	524	$	1,238
Ratio of Earnings to Fixed Charges, Including
Interest On Deposits		1.92x		1.42x