Exhibit 12.1

Fifth Third Bancorp

Computations of Consolidated Ratios Of Earnings To Fixed Charges

($ In Millions)

	Year Ended December 31,
	2005			2004	2003	2002	2001
Excluding Interest on Deposits:
Fixed Charges:
Interest Expense (excluding interest on deposits)	$	882		563	498	502	726
One-Third of Rents, Net of Income from Subleases		19		15	14	11	14
Total Fixed Charges	$	901		578	512	513	740
Earnings:
Income from Continuing Operations
Before Income Taxes, Minority Interest & Cumulative Effect of Accounting Change	$	2,208		2,237	2,438	2,299	1,530
Fixed Charges		901		578	512	513	740
Total Earnings	$	3,109		2,815	2,950	2,812	2,270
Ratio of Earnings to Fixed Charges, Excluding Interest On Deposits		3.45	x	4.87	5.76	5.48	3.07
Including Interest on Deposits:
Fixed Charges:
Interest Expense	$	2,030		1,102	1,086	1,430	2,278
One-Third of Rents, Net of Income from Subleases		19		15	14	11	14
Total Fixed Charges	$	2,049		1,117	1,100	1,441	2,292
Earnings:
Income from Continuing Operations
Before Income Taxes, Minority Interest & Cumulative Effect of Accounting Change	$	2,208		2,237	2,438	2,299	1,530
Fixed Charges		2,049		1,117	1,100	1,441	2,292
Total Earnings	$	4,257		3,354	3,538	3,740	3,822
Ratio of Earnings to Fixed Charges, Including Interest On Deposits		2.08	x	3.00	3.22	2.60	1.67