Exhibit 12.1

Fifth Third Bancorp

Computations of Consolidated Ratios Of Earnings To Fixed Charges

($ in millions)

	Three months ended 9/30/07		Nine months ended 9/30/07
Excluding Interest on Deposits
Fixed Charges:
Interest Expense (excluding interest on deposits)	$	264	734
One-Third of Rents, Net of Income from Subleases		6	18
Total Fixed Charges	$	270	752
Earnings:
Income Before Income Taxes	$	443	1,473
Fixed Charges		270	752
Total Earnings	$	713	2,225
Ratio of Earnings to Fixed Charges,
Excluding Interest On Deposits		2.64x	2.96x
Including Interest on Deposits
Fixed Charges:
Interest Expense	$	775	2,248
One-Third of Rents, Net of Income from Subleases		6	18
Total Fixed Charges	$	781	2,266
Earnings:
Income Before Income Taxes	$	443	1,473
Fixed Charges		781	2,266
Total Earnings	$	1,224	3,739
Ratio of Earnings to Fixed Charges,
Including Interest On Deposits		1.57x	1.65x