8-K

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, DC 20549

FORM 8-K

CURRENT REPORT PURSUANT

TO SECTION 13 OR 15(D) OF THE

SECURITIES EXCHANGE ACT OF 1934

Date of report (Date of earliest event reported): December 13, 2006

FIFTH THIRD BANCORP

(Exact Name of Registrant as Specified in Its Charter)

OHIO

(State or Other Jurisdiction of Incorporation)

0-8076	31-0854434
(Commission File Number)	(IRS Employer Identification No.)

Fifth Third Center
38 Fountain Square Plaza, Cincinnati, Ohio	45263
(Address of Principal Executive Offices)	(Zip Code)

(513) 534-5300

(Registrant’s Telephone Number, Including Area Code)

Not Applicable

(Former Name or Former Address, if Changed Since Last Report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):

¨ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

¨ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

¨ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

¨ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Item 9.01 Financial Statements and Exhibits

Exhibit 12(a) – Computations of Consolidated Ratios of Earnings to Fixed Charges.

Exhibit 12(b) – Computations of Consolidated Ratios of Earnings to Combined Fixed Charges and Preferred Stock Dividend Requirements.

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

	FIFTH THIRD BANCORP
	(Registrant)
December 13, 2006	/s/ Christopher G. Marshall
	Christopher G. Marshall
	Executive Vice President and Chief Financial Officer

EX-12.(A)

Exhibit 12(a)

Fifth Third Bancorp

Computations of Consolidated Ratios Of Earnings To Fixed Charges

($ In Millions)

	Nine Months Ended 9/30/2006			Year Ended December 31,
				2005		2004		2003		2002		2001
Excluding Interest on Deposits:
Fixed Charges:
Interest Expense (excluding interest on deposits)	$	884		882		563		498		502		726
One-Third of Rents, Net of Income from Subleases		16		19		15		14		11		14
Total Fixed Charges	$	900		901		578		512		513		740
Earnings:
Income Before Income Taxes, Minority Interest & Cumulative Effect of Accounting Change	$	1,575		2,208		2,237		2,438		2,299		1,530
Fixed Charges		900		901		578		512		513		740
Total Earnings	$	2,475		3,109		2,815		2,950		2,812		2,270
Ratio of Earnings to Fixed Charges, Excluding
Interest On Deposits		2.75	x	3.45	x	4.87	x	5.76	x	5.48	x	3.07	x
Including Interest on Deposits:
Fixed Charges:
Interest Expense	$	2,276		2,030		1,102		1,086		1,430		2,278
One-Third of Rents, Net of Income from Subleases		16		19		15		14		11		14
Total Fixed Charges	$	2,292		2,049		1,117		1,100		1,441		2,292
Earnings:
Income Before Income Taxes, Minority Interest & Cumulative Effect of Accounting Change	$	1,575		2,208		2,237		2,438		2,299		1,530
Fixed Charges		2,292		2,049		1,117		1,100		1,441		2,292
Total Earnings	$	3,867		4,257		3,354		3,538		3,740		3,822
Ratio of Earnings to Fixed Charges, Including
Interest On Deposits		1.69	x	2.08	x	3.00	x	3.22	x	2.60	x	1.67	x

EX-12.(B)

Exhibit 12(b)

Fifth Third Bancorp

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

($ In Millions)

	Nine Months Ended 9/30/2006			Year Ended December 31,
				2005		2004		2003		2002		2001
Excluding Interest on Deposits:
Fixed Charges:
Interest Expense (excluding interest on deposits)	$	884		882		563		498		502		726
One-Third of Rents, Net of Income from Subleases		16		19		15		14		11		14
Preferred Stock Dividends		1		1		1		1		1		1
Total Fixed Charges	$	901		902		579		513		514		741
Earnings:
Income Before Income Taxes, Minority Interest & Cumulative Effect of Accounting Change	$	1,575		2,208		2,237		2,438		2,299		1,530
Fixed Charges - Excluding Preferred Stock Dividends		900		901		578		512		513		740
Total Earnings	$	2,475		3,109		2,815		2,950		2,812		2,270
Ratio of Earnings to Fixed Charges, Excluding
Interest On Deposits		2.75	x	3.45	x	4.86	x	5.75	x	5.47	x	3.06	x
Including Interest on Deposits:
Fixed Charges:
Interest Expense	$	2,276		2,030		1,102		1,086		1,430		2,278
One-Third of Rents, Net of Income from Subleases		16		19		15		14		11		14
Preferred Stock Dividends		1		1		1		1		1		1
Total Fixed Charges	$	2,293		2,050		1,118		1,101		1,442		2,293
Earnings:
Income Before Income Taxes, Minority Interest & Cumulative Effect of Accounting Change	$	1,575		2,208		2,237		2,438		2,299		1,530
Fixed Charges - Excluding Preferred Stock Dividends		2,292		2,049		1,117		1,100		1,441		2,292
Total Earnings	$	3,867		4,257		3,354		3,538		3,740		3,822
Ratio of Earnings to Fixed Charges, Including
Interest On Deposits		1.69	x	2.08	x	3.00	x	3.21	x	2.59	x	1.67	x