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,
	2004			2003	2002	2001	2000
Excluding Interest on Deposits:
Fixed Charges:
Interest Expense (excluding interest on deposits)	$	563		498	502	726	878
One-Third of Rents, Net of Income from Subleases		15		14	11	14	14
Preferred Stock Dividends		1		1	1	1	1
Total Fixed Charges	$	579		513	514	741	893
Earnings:
Income from Continuing Operations
Before Income Taxes, Minority Interest & Cumulative Effect of Accounting Change	$	2,237		2,438	2,299	1,530	1,561
Fixed Charges - Excluding Preferred Stock Dividends		578		512	513	740	892
Total Earnings	$	2,815		2,950	2,812	2,270	2,453
Ratio of Earnings to Fixed Charges, Excluding Interest On Deposits		4.86	x	5.75	5.47	3.06	2.75
Including Interest on Deposits:
Fixed Charges:
Interest Expense	$	1,102		1,086	1,430	2,278	2,697
One-Third of Rents, Net of Income from Subleases		15		14	11	14	14
Preferred Stock Dividends		1		1	1	1	1
Total Fixed Charges	$	1,118		1,101	1,442	2,293	2,712
Earnings:
Income from Continuing Operations
Before Income Taxes, Minority Interest &
Cumulative Effect of Accounting Change	$	2,237		2,438	2,299	1,530	1,561
Fixed Charges - Excluding Preferred Stock Dividends		1,117		1,100	1,441	2,292	2,711
Total Earnings	$	3,354		3,538	3,740	3,822	4,272
Ratio of Earnings to Fixed Charges, Including Interest On Deposits		3.00	x	3.21	2.59	1.67	1.58