Fifth Third Bancorp (FITB) 8-K Fifth Third Bancorp Announces 2010 Net Income of $753 Million

Exhibit 99.4

January 2011

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,
	2010			2009		2008			2007		2006
Ratios (percent)
Return on assets		0.67			0.64		(1.85	)		1.05		1.13
Return on average common equity		5.0			5.6		(23.0	)		11.2		12.1
Average equity as a percent of average assets		12.22			11.36		8.78			9.35		9.32
Net interest margin (a)		3.66			3.32		3.54			3.36		3.06
Efficiency (a)		60.7			46.9		70.4			60.2		55.4
Net losses charged off as a percent of average loans and leases		3.02			3.20		3.23			0.61		0.44
Allowance for loan and lease losses as a percent of loans and leases		3.88			4.88		3.31			1.17		1.04
Allowance for credit losses as a percent of loans and leases		4.17			5.27		3.54			1.29		1.14
Nonperforming assets as a percent of loans, leases and other assets, including OREO (b)		2.79			4.22		2.38			1.32		0.61
Allowance for loan and lease losses as a percent of nonperforming assets (b)		138.18			115.55		138.93			88.06		169.45
Allowance for credit losses as a percent of nonperforming assets (b)		148.62			124.63		148.64			96.97		186.20
Common Share Data
Earnings per share	$	0.63		$	0.73	$	(3.91	)	$	1.99	$	2.13
Earnings per diluted share		0.63			0.67		(3.91	)		1.98		2.12
Cash dividends per common share		0.04			0.04		0.75			1.70		1.58
Book value per share		13.06			12.44		13.57			17.24		18.00
Common shares outstanding, excluding treasury		796,272,522			795,068,164		577,386,612			532,671,925		556,252,674
Market price per share:
High	$	15.95		$	11.20	$	28.58		$	43.32	$	41.57
Low		9.81	��		1.01		6.32			24.82		35.86
Close		14.68			9.75		8.26			25.13		40.93
Supplemental Data
Common dividends declared ($ in millions)	$	32		$	29	$	413		$	914	$	880
Full-time equivalent employees		20,838			20,998		21,476			21,683		21,362
Banking centers		1,312			1,309		1,307			1,227		1,150
ATMs		2,445			2,358		2,341			2,211		2,096

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

(b) Excludes nonperforming assets held for sale.

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Yearly Data

	Years Ended December 31,
	2010			2009			2008			2007			2006
Income Statement ($ in millions)
Interest income (FTE)	$	4,507		$	4,687		$	5,630		$	6,051		$	5,981
Interest expense		885			1,314			2,094			3,018			3,082
Net interest income (FTE)		3,622			3,373			3,536			3,033			2,899
Provision for loan and lease losses		1,538			3,543			4,560			628			343
Noninterest income:
Service charges on deposits		574			632			641			579			517
Investment advisory revenue		361			326			366			382			367
Corporate banking revenue		364			372			431			367			318
Mortgage banking net revenue		647			553			199			133			155
Card and processing revenue		316			615			912			825			717
Gain on sale of processing business		—			1,758			—			—			—
Other noninterest income		406			479			363			154			299
Securities gains (losses), net		47			(10	)		(86	)		21			(364	)
Securities gains, net - non-qualifying hedges on mortgage servicing rights		14			57			120			6			3
Total noninterest income		2,729			4,782			2,946			2,467			2,012
Noninterest expense:
Salaries, wages, and incentives		1,430			1,339			1,337			1,239			1,174
Employee benefits		314			311			278			278			292
Net occupancy expense		298			308			300			269			245
Technology and communications		189			181			191			169			141
Equipment expense		122			123			130			123			116
Card and processing expense		108			193			274			244			184
Other noninterest expense		1,394			1,371			2,054			989			763
Total noninterest expense		3,855			3,826			4,564			3,311			2,915
Income (loss) before income taxes and cumulative effect (FTE)		958			786			(2,642	)		1,561			1,653
Taxable equivalent adjustment		18			19			22			24			26
Income (loss) before income taxes and cumulative effect		940			767			(2,664	)		1,537			1,627
Applicable income taxes		187			30			(551	)		461			443
Income (loss) before cumulative effect		753			737			(2,113	)		1,076			1,184
Cumulative effect of change in accounting principle, net of tax		—			—			—			—			4
Net income (loss)	$	753		$	737		$	(2,113	)	$	1,076		$	1,188
Less: Net income attributable to noncontrolling interests		—			—			—			—			—
Net income (loss) attributable to Bancorp		753			737			(2,113	)		1,076			1,188
Dividend on Preferred Stock		250			226			67			1			—
Net income (loss) available to common shareholders	$	503		$	511		$	(2,180	)	$	1,075		$	1,188
Regulatory Capital Data ($ in millions) (a)
Tier I capital	$	13,965		$	13,428		$	11,924		$	8,924		$	8,625
Tier II capital		4,208			4,207			4,722			2,809			2,760
														��
Total risk-based capital	$	18,173		$	17,635		$	16,646		$	11,733		$	11,385
Risk-weighted assets	$	100,193		$	100,933		$	112,622		$	115,529		$	102,823
Tier I capital ratio		13.94	%		13.30	%		10.59	%		7.72	%		8.39	%
Total risk-based capital ratio		18.14	%		17.48	%		14.78	%		10.16	%		11.07	%
Tier I leverage ratio		12.79	%		12.34	%		10.27	%		8.50	%		8.44	%
Tier I common equity ratio		7.50	%		6.99	%		4.37	%		5.72	%		8.22	%

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

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Yearly Data

	Years Ended December 31,
	2010			2009			2008			2007			2006
Balance Sheet ($ in millions, except share data)
Assets
Cash and due from banks	$	2,159		$	2,318		$	2,739		$	2,660		$	2,705
Available-for-sale securities		15,414			18,213			12,728			10,677			11,053
Held-to-maturity securities		353			355			360			355			356
Trading securities		294			355			1,191			171			187
Other short-term investments		1,515			3,369			3,578			620			841
Total cash and securities		19,735			24,610			20,596			14,483			15,142
Loans held for sale		2,216			2,067			1,452			4,329			1,150
Portfolio loans and leases		77,491			76,779			84,143			80,253			74,353
Total loans and leases		79,707			78,846			85,595			84,582			75,503
Allowance for loan and lease losses		(3,004	)		(3,749	)		(2,787	)		(937	)		(771	)
Bank premises and equipment		2,389			2,400			2,494			2,223			1,940
Operating lease equipment		479			499			463			353			202
Goodwill		2,417			2,417			2,624			2,470			2,193
Intangible assets		62			106			168			147			166
Servicing rights		822			700			499			618	��		524
Other real estate owned		506			300			231			159			88
Other assets		7,894			7,251			9,881			9,087			7,622
Total assets	$	111,007		$	113,380		$	119,764		$	110,962		$	100,669
Liabilities
Deposits:
Demand	$	21,413		$	19,411		$	15,287		$	14,404		$	14,331
Interest checking		18,560			19,935			14,222			15,254			15,993
Savings		20,903			17,898			16,063			15,635			13,181
Money market		5,035			4,431			4,689			6,521			6,584
Foreign Office		3,721			2,454			2,144			2,572			1,353
Other time		7,728			12,466			14,350			11,440			10,987
Certificates - $100,000 and over		4,287			7,700			11,851			6,738			6,628
Other foreign office		1			10			7			2,881			323
Total deposits		81,648			84,305			78,613			75,445			69,380
Federal funds purchased		279			182			287			4,427			1,421
Other short-term borrowings		1,574			1,415			9,959			4,747			2,796
Other liabilities		3,868			3,474			5,243			4,325			4,492
Long-term debt		9,558			10,507			13,585			12,857			12,558
Total liabilities		96,927			99,883			107,687			101,801			90,647
Equity
Common and preferred equity		13,867			13,457			12,208			11,496			11,433
Net unrealized gains (losses):
Available-for-sale securities		321			216			115			(93	)		(119	)
Qualifying cash flow hedges		67			105			88			24			(1	)
Accumulated other comprehensive income related to employee benefit plans		(74	)		(80	)		(105	)		(57	)		(59	)
Treasury stock, at cost		(130	)		(201	)		(229	)		(2,209	)		(1,232	)
Total shareholder’s equity		14,051			13,497			12,077			9,161			10,022
Noncontrolling interest		29			—			—			—			—
Total Equity		14,080			13,497			12,077			9,161			10,022
Total liabilities & equity	$	111,007		$	113,380		$	119,764		$	110,962		$	100,669
Share Data
Preferred shares outstanding		152,771			152,771			180,620			9,250			9,250
Common shares outstanding, excluding treasury		796,272,522			795,068,164			577,386,612			532,671,925			556,252,674
Treasury shares held		5,231,665			6,436,023			6,040,492			50,755,179			27,174,430

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Yearly Data

	Years Ended December 31,
	2010			2009			2008			2007			2006
Average Balance Sheet ($ in millions, except share data)
Assets
Interest-earning assets:
Loans and leases	$	79,232		$	83,391		$	85,835		$	78,348		$	73,493
Taxable securities		16,054			15,897			13,082			11,131			20,306
Tax exempt securities		317			1,203			342			499			604
Other short-term investments		3,328			1,035			621			404			410
Total interest-earning assets		98,931			101,526			99,880			90,382			94,813
Cash and due from banks		2,245			2,329			2,490			2,275			2,463
Other assets		14,841			14,266			13,411			10,613			8,713
Allowance for loan and lease losses		(3,583	)		(3,265	)		(1,485	)		(793	)		(751	)
Total assets	$	112,434		$	114,856		$	114,296		$	102,477		$	105,238
Liabilities
Interest-bearing liabilities:
Interest checking	$	18,218		$	15,070		$	14,191		$	14,820		$	16,650
Savings		19,612			16,875			16,192			14,836			12,189
Money market		4,808			4,320			6,127			6,308			6,366
Foreign office		3,355			2,108			2,153			1,762			732
Other time		10,526			14,103			11,135			10,778			10,500
Certificates - $100,000 and over		6,083			10,367			9,532			6,466			5,795
Other foreign office		6			157			2,066			1,393			2,979
Federal funds purchased		291			517			2,975			3,646			4,148
Short-term borrowings		1,635			6,463			7,785			3,244			8,670
Long-term debt		10,902			11,035			13,903			12,505			14,247
Total interest-bearing liabilities		75,436			81,015			86,059			75,758			78,128
Demand deposits		19,669			16,862			14,017			13,261			13,741
Other liabilities		3,580			3,926			4,182			3,876			3,558
Total liabilities		98,685			101,803			104,258			92,894			95,427
Equity		13,749			13,053			10,038			9,583			9,811
Total liabilities & equity	$	112,434		$	114,856		$	114,296		$	102,477		$	105,238
Average loans and leases (excluding held for sale)	$	77,045		$	80,681		$	83,895		$	76,033		$	72,447
Average common shares outstanding:
Basic		790,852,185			696,452,466			553,112,898			537,669,793			554,983,021
Diluted		799,381,153			726,508,263			553,112,898			540,118,386			557,493,607

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Yearly Data

	Years Ended December 31,
	2010			2009			2008			2007			2006
End of Period Loans and Leases ($ in millions)(net of unearned discount)
Commercial:
Commercial loans	$	27,274		$	25,687		$	29,220		$	26,079		$	20,831
Commercial mortgage		10,992			11,936			12,952			11,967			10,405
Commercial construction		2,111			3,871			5,114			5,561			6,168
Commercial leases		3,378			3,535			3,666			3,737			3,841
Subtotal - commercial		43,755			45,029			50,952			47,344			41,245
Consumer:
Residential mortgage		10,858			9,845			10,292			11,433			9,905
Home equity		11,513			12,174			12,752			11,874			12,154
Automobile loans		10,983			8,995			8,594			11,183			10,028
Credit card		1,896			1,990			1,811			1,591			1,004
Other consumer loans and leases		702			813			1,198			1,157			1,167
Subtotal - consumer		35,952			33,817			34,647			37,238			34,258
Total loans and leases	$	79,707		$	78,846		$	85,599		$	84,582		$	75,503
Average Loans and Leases ($ in millions)(net of unearned discount)
Commercial:
Commercial loans	$	26,334		$	27,556		$	28,426		$	22,351		$	20,504
Commercial mortgage		11,585		$	12,511			12,776			11,078			9,797
Commercial construction		3,066		$	4,638			5,846			5,661			6,015
Commercial leases		3,343		$	3,543			3,680			3,683			3,730
Subtotal - commercial		44,328		$	48,248			50,728			42,773			40,046
Consumer:
Residential mortgage		9,868		$	10,886			10,993			10,489			9,574
Home equity		11,996		$	12,534			12,269			11,887			12,070
Automobile loans		10,427		$	8,807			8,925			10,704			9,570
Credit card		1,870		$	1,907			1,708			1,276			838
Other consumer loans and leases		743		$	1,009			1,213			1,219			1,394
Subtotal - consumer		34,904		$	35,143			35,108			35,575			33,446
Total average loans and leases	$	79,232		$	83,391		$	85,836		$	78,348		$	73,492
Asset Quality ($ in millions)
Nonaccrual loans and leases	$	1,333		$	2,642		$	1,696		$	813		$	352
Nonaccrual loans held for sale		247			220			473			—			—
Restructured loans - commercial (non accrual) held for sale		47			4			—			—			—
Restructured loans and leases (non accrual) portfolio		347			305			80			80			—
Other assets, including other real estate owned		494			297			230			171			103
Total nonperforming assets	$	2,468		$	3,468		$	2,479		$	1,064		$	455
Ninety days past due loans and leases	$	317		$	567		$	662		$	491		$	210
Nonperforming Loans ($ in millions) (non-accrual plus renegotiated)
Commercial mortgage	$	581			1,035			715			243			84
Commercial construction loans		258			741			578			249			54
Commercial and industrial loans and leases		753			840			586			180			133
Consumer mortgage and construction		268			412			279			121			38
Other consumer loans and leases		114			144			91			100			43
Total nonperforming loans	$	1,974		$	3,172		$	2,249		$	893		$	352
Credit Charge-Offs ($ in millions)
Gross charge-offs	$	(2,484	)	$	(2,719	)	$	(2,792	)	$	(544	)	$	(408	)
Recoveries		156			138			82			81			92
Net losses charged off	$	(2,328	)	$	(2,581	)	$	(2,710	)	$	(463	)	$	(316	)

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