Exhibit 12(b)

Fifth Third Bancorp

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

($ In Millions)

		Year Ended December 31,
Excluding Interest on Deposits:		2003		2002	2001	2000	1999
Fixed Charges:
Interest Expense (excluding interest on deposits)	$	498		502	726	878	620
One-Third of Rents, Net of Income from Subleases		14		11	14	14	12
Preferred Stock Dividends		1		1	1	1	1
Total Fixed Charges	$	513		514	741	893	633
Earnings:
Income Before Income Taxes, Minority Interest
& Cumulative Effect of Accounting Change	$	2,547		2,426	1,647	1,672	1,450
Fixed Charges - Excluding Preferred Stock Dividends		512		513	740	892	632
Total Earnings	$	3,059		2,939	2,387	2,564	2,082
Ratio of Earnings to Fixed Charges, Excluding
Interest On Deposits		5.96	x	5.72	3.22	2.87	3.29
Including Interest on Deposits:
Fixed Charges:
Interest Expense	$	1,086		1,430	2,278	2,697	2,026
One-Third of Rents, Net of Income from Subleases		14		11	14	14	12
Preferred Stock Dividends		1		1	1	1	1
Total Fixed Charges	$	1,101		1,442	2,293	2,712	2,039
Earnings:
Income Before Income Taxes, Minority Interest
& Cumulative Effect of Accounting Change	$	2,547		2,426	1,647	1,672	1,450
Fixed Charges - Excluding Preferred Stock Dividends		1,100		1,441	2,292	2,711	2,038
Total Earnings	$	3,647		3,867	3,939	4,383	3,488
Ratio of Earnings to Fixed Charges, Including
Interest On Deposits		3.31	x	2.68	1.72	1.62	1.71