Fifth Third Bancorp (FITB) 10-Q 2014 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 September 30, 2014			Nine Months Ended September 30, 2014
Excluding Interest on Deposits:
Fixed Charges:
Interest Expense (excluding interest on deposits)	$	64		$	176
One-Third of Rents, Net of Income from Subleases		7			22
Preferred Stock Dividends		12			44
Total Fixed Charges	$	83		$	242
Earnings:
Income Before Income Taxes	$	464		$	1,509
Fixed Charges—Excluding Preferred Stock Dividends		71			198
Total Earnings	$	535		$	1,707
Ratio of Earnings to Fixed Charges, Excluding Interest On Deposits		6.45	x		7.05	x
Including Interest on Deposits:
Fixed Charges:
Interest Expense	$	115		$	323
One-Third of Rents, Net of Income from Subleases		7			22
Preferred Stock Dividends		12			44
Total Fixed Charges	$	134		$	389
Earnings:
Income Before Income Taxes	$	464		$	1,509
Fixed Charges—Excluding Preferred Stock Dividends		122			345
Total Earnings	$	586		$	1,854
Ratio of Earnings to Fixed Charges, Including Interest On Deposits		4.37	x		4.77	x