Exhibit 12.1

Fifth Third Bancorp

Computations of Consolidated Ratios Of Earnings To Fixed Charges

($ in millions)

	Three months ended 6/30/07			Six months ended 6/30/07
Excluding Interest on Deposits
Fixed Charges:
Interest Expense (excluding interest on deposits)	$	245		471
One-Third of Rents, Net of Income from Subleases		6		12
Total Fixed Charges	$	251		483
Earnings:
Income Before Income Taxes	$	522		1,030
Fixed Charges		251		483
Total Earnings	$	773		1,513
Ratio of Earnings to Fixed Charges, Excluding Interest On Deposits		3.08	x	3.13	x
Including Interest on Deposits
Fixed Charges:
Interest Expense	$	750		1,474
One-Third of Rents, Net of Income from Subleases		6		12
Total Fixed Charges	$	756		1,486
Earnings:
Income Before Income Taxes	$	522		1,030
Fixed Charges		756		1,486
Total Earnings	$	1,278		2,516
Ratio of Earnings to Fixed Charges, Including Interest On Deposits		1.69	x	1.69	x