Exhibit 12(b)

FIFTH THIRD BANCORP

COMPUTATIONS OF CONSOLIDATED RATIOS OF EARNINGS

TO COMBINED FIXED CHARGES AND

PREFERRED STOCK DIVIDEND REQUIREMENTS

($ In Millions)

	For the Three Months Ended				Year Ended December 31,
Excluding Interest on Deposits:	March 31, 2003			March 31, 2002	2002	2001	2000	1999	1998
Fixed Charges:
Interest Expense (excluding interest on deposits)	$	124		123	501	724	874	616	557
One-Third of Rents		3		3	11	14	14	12	9
Preferred Stock Dividends		—		—	1	1	1	1	1
Total Fixed Charges	$	127		126	513	739	889	629	567
Earnings:
Income Before Income Taxes, Minority Interest & Cumulative Effect of Accounting Change	$	630		580	2,432	1,653	1,680	1,455	1,231
Fixed Charges—Excluding Preferred Stock Dividends		127		126	512	738	888	628	566
Total Earnings	$	757		706	2,944	2,391	2,568	2,083	1,797
Ratio of Earnings to Fixed Charges, Excluding Interest On Deposits		5.96	x	5.60	5.74	3.24	2.89	3.31	3.17
Including Interest on Deposits:
Fixed Charges:
Interest Expense	$	294		372	1,429	2,276	2,692	2,022	2,042
One-Third of Rents		3		3	11	14	14	12	9
Preferred Stock Dividends		—		—	1	1	1	1	1
Total Fixed Charges	$	297		375	1,441	2,291	2,707	2,035	2,052
Earnings:
Income Before Income Taxes, Minority Interest & Cumulative Effect of Accounting Change	$	630		580	2,432	1,653	1,680	1,455	1,231
Fixed Charges—Excluding Preferred Stock Dividends		297		375	1,440	2,290	2,706	2,034	2,051
Total Earnings	$	927		955	3,872	3,943	4,386	3,489	3,282
Ratio of Earnings to Fixed Charges, Including Interest On Deposits		3.12	x	2.55	2.69	1.72	1.62	1.71	1.60