Second Quarter 2008 Credit Trends

Exhibit 99.4

($ in millions)

C&I

Commercial

mortgage

Commercial

construction

Commercial

lease

Total

commercial

Residential

mortgage

Home equity

Auto

Credit card

Other

consumer

Total

consumer

Total loans &

leases

Loan balances

$28,958

$13,394

$6,007

$3,647

$52,006

$9,866

$12,421

$8,362

$1,717

$1,152

$33,518

$85,524

% of total

34%

16%

61%

12%

15%

10%

39%

Non-performing assets

$414

$540

$552

$18

$1,524

$448

$183

$28

$15

$674

$2,198

NPA ratio

1.43%

4.03%

9.19%

0.49%

2.93%

4.54%

1.47%

0.33%

0.88%

0.08%

2.00%

2.56%

Net charge-offs

$107

$21

$49

$177

$63

$54

$26

$21

$167

$344

Net charge-off ratio

1.52%

0.66%

3.46%

-0.01%

1.41%

2.57%

1.83%

1.21%

4.93%

1.31%

2.04%

1.66%

Credit by portfolio

C&I

32%

Home equity

16%

Other

consumer

Auto

Residential

mortgage

18%

Commercial

mortgage

Commercial

construction

14%

Card

20%

Other

25%

19%

24%

Net charge-offs by loan type

Net charge-offs by geography

Nonperforming assets

–

Total NPAs

of $2.2B, or 256bps

–

Commercial NPAs

of $1.5B; recent growth

driven by commercial construction and real

estate, particularly in Michigan, and Florida

–

Consumer NPAs

of $674M; recent growth

driven by residential real estate, particularly in

Michigan and Florida

17%

14%

22%

16%

20%

39%

22%

31%

37%

17%

C&I* (20%)

CRE (49%)

Residential (29%)

Other Consumer (2%)

ILLINOIS

INDIANA

FLORIDA

OTHER

KENTUCKY

OHIO

MICHIGAN

Residential

$630M

29%

C&I*

$431M

20%

Other

$44M

CRE

$1.1B

49%

*C&I includes commercial lease

30%

22%

16%

11%

NCOs

NPAs

Res

CRE

NPA, charge-off growth driven by residential, commercial real estate

Res

CRE

Real estate driving credit deterioration

500,000

1,000,000

1,500,000

2,000,000

2,500,000

Q2 2007

Q3 2007

Q4 2007

Q1 2008

Q2 2008

Auto

CRE

Res RE

100,000

200,000

300,000

400,000

Q2 2007

Q3 2007

Q4 2007

Q1 2008

Q2 2008

C&I/Lease

Auto

Credit Card

Other

CRE

Res RE

C&I/Lease

NCOs

NPAs

Stressed

markets

Stressed

markets

Michigan and Florida: most stressed markets

NPA, charge-off growth driven by Florida and Michigan

500,000

1,000,000

1,500,000

2,000,000

2,500,000

Q2 2007

Q3 2007

Q4 2007

Q1 2008

Q2 2008

Other SE

National

Other MW

Michigan

Florida

100,000

200,000

300,000

400,000

Q2 2007

Q3 2007

Q4 2007

Q1 2008

Q2 2008

Other SE

National

Other MW

Michigan

Florida

Michigan market

Total Loans

Home Equity

17%

Credit Card

Auto

Resi Mortgage

Coml Lease

C&I

32%

Commercial

Mortgage

24%

Coml Const

Other Cons

NPAs

Home Equity

10%

Credit Card

Auto

Resi Mortgage

12%

Coml Lease

C&I

15%

Commercial

Mortgage

27%

Coml Const

33%

Net charge-offs

Auto

Other Cons

Credit Card

Home Equity

21%

Resi Mortgage

C&I

24%

Commercial

Mortgage

15%

Coml Const

20%

Summary:

Deterioration in home price values coupled with weak economy (unemployment rate

of 7.4%) impacting credit trends due to frequency of defaults and severity

Issues: homebuilders, developers

tied to weak real estate market

Issues: valuations, economy,

unemployment

Economic weakness impacts

commercial real estate market

($ in millions)

Loans

(bn)

% of

FITB

NPAs

(mm)

% of

FITB

NCOs

(mm)

% of

FITB

Commercial loans

5.01

17%

21%

15%

Commercial mortgage

3.86

29%

152

28%

50%

Commercial construction

1.16

19%

187

34%

29%

Commercial lease

0.22

42%

(0)

Commercial

10.24

20%

$434

28%

23%

Mortgage

1.43

15%

16%

Home equity

2.68

22%

30%

27%

Auto

1.14

14%

15%

14%

Credit card

0.30

18%

20%

19%

Other consumer

0.12

10%

12%

Consumer

5.67

17%

$132

20%

17%

Total

15.91

19%

$566

26%

20%

Florida market

NPAs

Home Equity

Resi Mortgage

32%

C&I

Commercial

Mortgage

30%

Coml Const

27%

Net charge-offs

Auto

Other Cons

Credit Card

Home Equity

10%

Resi Mortgage

47%

C&I

17%

Commercial

Mortgage

Coml Const

19%

Summary:

Deterioration in real estate values having effect on credit trends as evidenced by

increasing NPA/NCOs in real estate related products

Issues: homebuilders, developers

tied to weakening real estate market

Issues: increasing severity of loss

due to significant declines in

valuations

Issues: valuations; relatively small

home equity portfolio

Total Loans

Home Equity

Credit Card

Auto

Resi Mortgage

31%

C&I

21%

Commercial

Mortgage

20%

Coml Const

13%

Other Cons

($ in millions)

Loans

(bn)

% of

FITB

NPAs

(mm)

% of

FITB

NCOs

(mm)

% of

FITB

Commercial loans

2.11

15%

13%

Commercial mortgage

1.95

15%

215

40%

Commercial construction

1.26

21%

193

35%

33%

Commercial lease

0.00

Commercial

5.31

10%

$469

31%

18%

Mortgage

3.09

31%

233

52%

63%

Home equity

0.91

15%

Auto

0.42

12%

Credit card

0.08

Other consumer

0.12

10%

14%

15%

Consumer

4.61

14%

$251

37%

31%

Total

9.92

12%

$720

33%

24%

Commercial construction

21%

19%

Other

13%

26%

Accomodation

Auto Retailers

Finance &

insurance

Construction

37%

Manufacturing

Real estate

44%

Retail Trade

Other

Wholesale

Trade

Loans by geography

Credit trends

Loans by industry

Comments

•

Declining valuations in residential and land

developments

•

Higher concentrations in now stressed markets (Florida

and Michigan)

•

Continued stress expected through 2008

($ in millions)

2Q07

3Q07

4Q07

1Q08

2Q08

Balance

$5,469

$5,463

$5,561

$5,592

$6,007

90+ days delinquent

$33

$54

$67

$49

$53

90+ days ratio

0.60%

0.99%

1.21%

0.87%

0.88%

NPAs

$66

$106

$257

$418

$552

as % of loans

1.21%

1.94%

4.61%

7.48%

9.19%

Net charge-offs

$12

$72

$49

as % of loans

0.48%

0.35%

0.83%

5.20%

3.46%

Commercial construction

Homebuilder/developer

Credit trends

Loans by property type

Comments

Other MW

21%

22%

Other SE

21%

NE OH

32%

Raw &

developed

land

52%

Other

including

acquired

portfolio

29%

Residential

vertical

19%

*Current definition not in use prior to 3Q07

•

Making no new loans to builder/developer sector

•

Residential & land valuations under continued stress

•

6% of commercial loans; < 4% of total gross loans

•

Balance by product approximately 53% Construction,

39% Mortgage, 8% C&I

•12% of loans are speculative loans

C&I

Commercial

mortgage

39%

Commercial

construction

53%

Portfolio split

Loans by geography

($ in millions)

3Q07

4Q07

1Q08

2Q08

Balance

$2,594

$2,868

$2,705

$3,295

90+ days delinquent

$50

$57

$60

$123

90+ days ratio

1.94%

1.99%

2.21%

3.73%

NPAs

$78

$176

$309

$547

as % of loans

3.01%

6.14%

11.42%

16.62%

Net charge-offs

$43

$34

as % of loans

0.54%

1.11%

6.14%

4.63%

Homebuilders/developers*

Residential mortgage

1 liens: 100% ; weighted average LTV: 77%

Weighted average origination FICO: 728

Origination FICO distribution: <659 13%; 660-689 11%; 690-719

17%; 720-749 18%; 750+ 41%

(note: loans <659 includes CRA loans and FHA/VA loans)

Origination LTV distribution: <70 26%; 70.1-80 42%; 80.1-90 11%;

90.1-95 5%; >95% 16%

Vintage distribution: 2008 8%; 2007 18%; 2006 17%; 2005 28%;

2004 14%; prior to 2004 15%

% through broker: 12%; performance similar to direct

23%

31%

15%

Other

15%

Loans by geography

Credit trends

Portfolio details

Comments

31% FL concentration driving 63% total loss

FL lots ($454 mm) running at 15% annualized loss

rate (YTD)

Mortgage company originations targeting 95%

salability

($ in millions)

2Q07

3Q07

4Q07

1Q08

2Q08

Balance

$8,477

$9,057

$10,540

$9,873

$9,866

90+ days delinquent

$98

$116

$186

$192

$229

90+ days ratio

1.15%

1.28%

1.76%

1.95%

2.32%

NPAs

$112

$150

$216

$333

$448

as % of loans

1.32%

1.65%

2.04%

3.37%

4.54%

Net charge-offs

$18

$34

$63

as % of loans

0.43%

0.41%

0.72%

1.33%

2.57%

Residential mortgage

Home equity

liens:

24%;

2 liens:

76%

(18%

2 liens

behind

FITB

Weighted average origination FICO: 755

Origination FICO distribution: <659 5%; 660-689 9%; 690-719 16%; 720-

749 19%; 750+ 51%

Weighted

average

CLTV:

77%

(1 liens

65%;

2 liens

82%)Origination

CLTV distribution: <70 28%; 70.1-80 22%; 80.1-90 21%; 90.1-95 10; >95

20%

Vintage distribution: 2008 7%; 2007 13%; 2006 19%; 2005 17%; 2004

13%; prior to 2004 31%

% through broker channels: 20% WA FICO: 740 brokered, 758 direct;

WA CLTV: 89% brokered; 74% direct

Portfolio details

Comments

25%

11%

20%

10%

Other

24%

33%

10%

22%

10%

Other

Brokered loans by geography

Direct loans by geography

Credit trends

Approximately 20% of portfolio concentration in

broker product driving approximately 51% total loss

Portfolio experiencing increased loss severity (losses

liens

approximately

100%)

Aggressive home equity line management strategies

in place

($ in millions)

2Q07

3Q07

4Q07

1Q08

2Q08

Balance

$2,810

$2,746

$2,713

$2,651

$2,433

90+ days delinquent

$24

$30

$34

$33

$34

90+ days ratio

0.86%

1.08%

1.25%

1.26%

1.40%

Net charge-offs

$14

$17

$23

$28

as % of loans

1.19%

1.94%

2.52%

3.29%

4.64%

Home equity - brokered

($ in millions)

2Q07

3Q07

4Q07

1Q08

2Q08

Balance

$8,970

$8,991

$9,161

$9,152

$9,988

90+ days delinquent

$37

$34

$38

$43

$42

90+ days ratio

0.41%

0.38%

0.41%

0.47%

0.42%

Net charge-offs

$11

$14

$15

$18

$27

as % of loans

0.48%

0.59%

0.66%

0.78%

1.07%

Home equity - direct

Note: Brokered and direct home equity net charge-off ratios

are calculated based on end of period loan balances

Cautionary Statement

This report may contain forward-looking statements about Fifth Third Bancorp and/or the company as combined acquired entities within the meaning of

Sections

27A

the

Securities

Act

1933,

amended,

and

Rule

175

promulgated

thereunder,

and

21E

the

Securities

Exchange

Act

1934,

amended, and Rule 3b-6 promulgated thereunder, that involve inherent risks and uncertainties. This report may contain certain forward-looking

statements

with

respect

the

financial

condition,

results

operations,

plans,

objectives,

future

performance

and

business

Fifth

Third

Bancorp

and/or

the

combined

company

including

statements

preceded

by,

followed

that

include

the

words

phrases

such

“believes,”

“expects,”

“anticipates,”

“plans,”

“trend,”

“objective,”

“continue,”

“remain”

similar

expressions

future

conditional

verbs

such

“will,”

“would,”

“should,”

“could,”

“might,”

“can,”

“may”

or similar expressions. There are a number of important factors that could cause future results to differ materially from historical

performance and these forward-looking statements. Factors that might cause such a difference include, but are not limited to: (1) general economic

conditions and weakening in the economy, specifically the real estate market, either national or in the states in which Fifth Third, one or more acquired

entities and/or the combined company do business, are less favorable than expected; (2) deteriorating credit quality; (3) political developments, wars or

other hostilities may disrupt or increase volatility in securities markets or other economic conditions; (4) changes in the interest rate environment reduce

interest margins; (5) prepayment speeds, loan origination and sale volumes, charge-offs and loan loss provisions; (6) Fifth Third’s ability to maintain

required capital levels and adequate sources of funding and liquidity; (7) changes and trends in capital markets; (8) competitive pressures among

depository institutions increase significantly; (9) effects of critical accounting policies and judgments; (10) changes in accounting policies or procedures

as may be required by the Financial Accounting Standards Board or other regulatory agencies; (11) legislative or regulatory changes or actions, or

significant litigation, adversely affect Fifth Third, one or more acquired entities and/or the combined company or the businesses in which Fifth Third, one

or more acquired entities and/or the combined company are engaged; (12) ability to maintain favorable ratings from rating agencies; (13) fluctuation of

Fifth Third’s stock price; (14) ability to attract and retain key personnel;

(15) ability to receive dividends from its subsidiaries; (16) potentially dilutive effect

future

acquisitions

current

shareholders'

ownership

Fifth

Third;

(17)

effects

accounting

financial

results

one

acquired

entities;

(18)

difficulties

combining

the

operations

acquired

entities;

(19)

inability

generate

the

gains

sale

and

increase

shareholders’

equity

that it anticipates from the sale of certain non-core businesses, (20) loss of income from the sale of certain non-core businesses could have an adverse

effect on Fifth Third’s earnings and future growth (21) ability to secure confidential information through the use of computer systems and

telecommunications

networks;

and

(22)

the

impact

reputational

risk

created

these

developments

such

matters

business

generation

and

retention, funding and liquidity. Additional information concerning factors that could cause actual results to differ materially from those expressed or

implied in the forward-looking statements is available in the Bancorp's Annual Report on Form 10-K for the year ended December 31, 2007, filed with the

United

States

Securities

and

Exchange

Commission

(SEC).

Copies

this

filing

are

available

cost

the

SEC's

Web

site

www.sec.gov

the

Fifth

Third’s

Web

site

www.53.com.

Fifth

Third

undertakes

obligation

release

revisions

these

forward-looking

statements

reflect

events

circumstances after the date of this report.