Third Quarter 2008 Trends

3Q08 Trends

October 21, 2008

Exhibit 99.3

Agenda

Overview

3Q08 results

Operating trends

Credit trends

Capital position

Liquidity trends

Debt ratings

Summary and priorities

Fifth Third overview

As of 9/30/2008

As of 10/14/2008

Nilson, March 2008

$116

billion

assets

billion

market

cap

#12

1,298 banking centers

Over 2,300 ATMs

18 affiliates in 12 states

World’s

largest

merchant

acquirer

Cincinnati

Florence

Louisville

Lexington

Nashville

Atlanta

Augusta

Orlando

Tampa

Naples

Raleigh

Charlotte

Huntington

Pittsburgh

Cleveland

Columbus

Toledo

Detroit

Grand Rapids

Traverse

City

Chicago

Evansville

Jacksonville

Indianapolis

St. Louis

3Q08 in review

Difficult quarter due to economic environment

—

Significant increase in net charge-offs and provision expense

–

Net charge-offs of $463 million, provision expense of $941 million

—

Minimal risk exposure to “headline issues”: subprime lending, credit default swaps,

investments in failed counterparties

Core business momentum remains strong –

core pre-tax pre-provision income up 12% from

3Q07*

—

Net interest income growth of 41% driven by loan discount accretion related to the

second quarter First Charter acquisition. Excluding loan discount accretion, net

interest income increased 12%

—

Fee income growth of 5%, up 14% on a core basis, on double digit

growth in payments

processing revenue, deposit service revenue, corporate banking revenue, and

mortgage banking revenue

—

Average loan growth of 11% and transaction deposit growth of 3%

Strong capital position, well within ranges disclosed in June

—

Tier 1 capital ratio of 8.53%

—

Tangible equity ratio of 6.19%

3Q08 reported results of 40% year-over-year growth in pre-tax, pre-provision earnings. Excludes $27 million BOLI charge, $215 million in loan discount accretion from

the acquisition of First Charter, $76 million in revenue and $36 million in expense from a litigation settlement stemming from a prior acquisition, and $45 million in Visa

litigation expense in 3Q08. Excludes $78 million in Visa litigation expense, $2 million BOLI charge, and $31 million in gains from asset sales; all quarters exclude

securities gains/losses.

Loans include held for investment; transaction deposits represent core deposits excluding CDs

3.20%

3.25%

3.30%

3.35%

3.40%

3.45%

3.50%

3Q07

4Q07

1Q08

2Q08*

3Q08*

$500

$550

$600

$650

$700

$750

$800

$850

$900

Net interest income

NIM

Increasing net interest income

* 3Q08 reported results: 41% year-over-year growth and 4.24% NIM. Results above exclude $130 million charge related to leveraged lease litigation in 2Q08 and

exclude $31 million and $215 million in loan discount accretion from the First Charter acquisition in 2Q08 and 3Q08, respectively.

Fee income growth and diversification

$100

$200

$300

$400

$500

$600

$700

$800

$900

3Q07

4Q07

1Q08

2Q08

3Q08

Payment

processing

Deposit

service

charges

Investment

advisory

Corporate

banking

Mortgage

Secs/other

Reported year-over-year fee income growth of 5%. Results above exclude $76 million in litigation revenue from a prior acquisition and $27 million BOLI charge in 3Q08.

Excludes

$152

million

BOLI

charge

and

$273

million

Visa

IPO

gain

1Q08; excludes $177 million BOLI charge in 4Q07; excludes $31 million of gains from asset

sales

and

$2 million in BOLI charge in 3Q07; excludes securities gains/losses in all quarters.

YOY

growth

+11%

+13%

-5%

+15%

+74%

Continued strong growth in processing, deposit fees and corporate banking fees

FTPS: key growth engine

3Q08 revenue

38%

35%

27%

Merchant

Services

Financial

Institutions

Bankcard

$50

$100

$150

$200

$250

3Q06

4Q06

1Q07

2Q07

3Q07

4Q07

1Q08

2Q08

3Q08

FI/EFT

Bankcard

Merchant

+19%

2-Yr

CAGR

Merchant

•

4 Largest U.S. Acquirer

•

Over 37,500 merchants

•

$26.7B in credit/debit processing volume

•

Over 5.6B acquired transactions

•

e.g. Nordstrom, Saks, Walgreen's,

Office Max, Barnes and Noble, U.S.

Treasury

Financial Institutions

•

2,700 FI relationships

•

877mm POS/ATM transactions

Bankcard

•

$1.7B in outstanding balances

•

1.6mm cardholders

•

Top three Debit MasterCard Issuer

•

23 largest U.S. bankcard issuer

YOY

growth

+17%

+7%

+9%

+19%

+6%

Corporate banking

$30

$60

$90

$120

3Q06

4Q06

1Q07

2Q07

3Q07

4Q07

1Q08

2Q08

3Q08

International

Business lending

Derivatives

Capital markets lending fees

2-Yr

CAGR

YOY

growth

+10%

-10%

+8%

+33%

+14%

-29%

+11%

+36%

International

•

Letters of credit

•

Foreign exchange

Capital

markets

lending

fees

•

Institutional Sales

•

Asset securitization/conduit fees

•

Loan/lease syndication fees

Derivatives

•

Customer interest rate derivatives

Business

lending

fees

•

Commitment and other loan fees

$300

$400

$500

$600

$700

$800

3Q07

4Q07

1Q08

2Q08

3Q08

Strong operating performance…

3Q08 reported results of 40%

growth in pre-tax, pre-provision earnings. 3Q08 results above exclude $27 million BOLI charge, $215 million in loan discount accretion

from the acquisition of First Charter, $76 million in revenue and $36 million in expense from a litigation settlement stemming from a prior acquisition, and $45 million in

Visa

litigation

expense.

2Q08

results

above exclude $31 million loan discount accretion and $130 million leveraged lease charge. 1Q08 results above exclude $152

BOLI charge, $273 Visa IPO gain and $152 million reversal of Visa litigation expenses. 4Q07 results above exclude $177 million BOLI charge and $94 million in Visa

litigation expense; 3Q07 results exclude $78 million in Visa litigation expense, $2 million BOLI charge, and $31 million in gains from asset sales; all quarters exclude

securities gains/losses.

-$1,000

-$800

-$600

-$400

-$200

$200

$400

$600

$800

3Q07

4Q07

1Q08

2Q08

3Q08

…offset by credit costs

See note on p. 9 for adjustments.

Net

charge-

offs

Additional

provision

($ 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

$29,424

$13,355

$6,002

$3,642

$52,423

$9,351

$12,599

$8,306

$1,688

$1,130

$33,075

$85,498

% of total

34%

16%

61%

11%

15%

10%

39%

Non-performing assets

$557

$749

$659

$22

$1,988

$593

$194

$33

$20

$841

$2,828

NPA ratio

1.89%

5.61%

10.98%

0.62%

3.79%

6.34%

1.54%

0.39%

1.20%

0.10%

2.53%

3.30%

Net charge-offs

$85

$94

$88

$266

$77

$56

$31

$24

$196

$462

Net charge-off ratio

1.19%

2.82%

5.71%

-0.03%

2.07%

3.16%

1.77%

1.51%

5.45%

2.84%

2.33%

2.17%

Credit by portfolio

C&I

18%

Home equity

12%

Other

consumer

Auto

Residential

mortgage

17%

Commercial

mortgage

20%

Commercial

construction

19%

Card

27%

38%

Other /

National

16%

NC/GA

Net charge-offs by loan type

Net charge-offs by geography

Real estate driving credit deterioration

100,000

200,000

300,000

400,000

500,000

Q3 2007

Q4 2007

Q1 2008

Q2 2008

Q3 2008

C&I/Lease

Auto

Credit Card

Other

CRE

Res RE

500,000

1,000,000

1,500,000

2,000,000

2,500,000

3,000,000

Q3 2007

Q4 2007

Q1 2008

Q2 2008

Q3 2008

C&I/Lease

Auto/Other

CRE

Res RE

Res

CRE

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

Res

CRE

Total NPAs

Total NCOs

500,000

1,000,000

1,500,000

2,000,000

2,500,000

3,000,000

Q3 2007

Q4 2007

Q1 2008

Q2 2008

3Q 2008

Other SE

National

Other MW

Michigan

Florida

100,000

200,000

300,000

400,000

500,000

Q3 2007

Q4 2007

Q1 2008

Q2 2008

Q3 2008

Other SE

National

Other MW

Michigan

Florida

Highest

stress

markets

Highest

stress

markets

NPA, charge-off growth driven by Florida and Michigan

Michigan and Florida: most stressed markets

Total NPAs

Total NCOs

Credit containment

Eliminated all brokered home equity production

Suspended all new developer lending

Significantly tightened underwriting limits and exception authorities

Major expansion of commercial and consumer workout teams

Aggressive write downs in stressed geographies

Significant addition to reserve levels

Direct executive management oversight of every major credit decision

Continue to move aggressively to stay ahead of emerging credit issues

•

Capital plan and targets designed to help ensure strong capital levels, positioning Fifth Third

to absorb significant potential losses and provisions in a potentially more difficult

environment through 2009

•

Revised capital targets in June 2008 to provide greater cushion

•

Strengthened Fifth Third’s capital position through several capital actions announced in June

2008:

—

Capital actions intended to maintain a Tier 1 ratio within target range if credit cycle

significantly deteriorates without further capital issuance

–

Capital

issuance

–

Issued

$1.1

billion

Tier

capital

the

form

convertible

preferred securities -

achieved new Tier 1 target immediately

–

Dividend

reduction

–

Reducing

quarterly

common

dividend

$0.15

per

share,

conserves $1.2 billion in common equity through the end of 2009 relative to

previous $0.44 level per share

–

Asset

sales/dispositions

–

Anticipated

sale

non-core

businesses

expected

generate $1 billion or more after-tax in additional common equity capital

Currently evaluating Treasury capital plan; in conjunction, re-evaluating inclusion of non-core

businesses in capital plans

Capital position

6-7%

11.5-12.5%

8-9%

Target

N/A

10%

Regulatory

“well-

capitalized”

minimum

6.19%

12.25%

Total Capital

8.53%

3Q08

Tier 1 Capital

Ratio

Active management of liquidity profile

Fifth Third remains heavily core funded

Flexibility and liquidity further enhanced by

—

Dividend reduction

—

Large capital raise further bolstered

Holding Company cash and capital

levels

—

Significant committed lines available

to access secured borrowings against

assets

Strong debt ratings

Stable Funding

Highlights

Long Term

Debt

11%

Demand

12%

Consumer

Time

10%

Non-core

Deposits

13%

Foreign Office

Interest

Checking

11%

Savings /

MMDA

19%

Borrowings

10%

Other

liabilities

Equity

Strong holding company liquidity profile

1000

2000

3000

4000

5000

6000

2008

2009

2010

2011

2012

2013 on

Current holding company cash position

through 1Q10

Sufficient to:

—

Satisfy all fixed obligations over the

next twelve months (debt maturities,

common and preferred dividends,

interest and other expenses)

Without:

—

Accessing capital markets

—

Relying on dividends from

subsidiaries

—

Proceeds from asset sales

$75 million in debt maturities in 2008; total of

$106 million in next four and a half years

Holding Company Unsecured Debt Maturities

Highlights

$mm

Holding Company Liquidity Position

Cash at 9/30/08: $1.1 billion

Expected cash obligations over the next 12 months

—

$106 million in debt maturities

—

$346 million common dividends

—

$94.9 million preferred dividends

—

$301 million interest and other expenses

5,766

Fifth Third

Bancorp

Fifth Third

Capital Trust

* Approximate

Strong bank liquidity profile

500

1000

1500

2008

2009

2010

2011

2012

2013 on

Current unused borrowing capacity under

secured facilities sufficient to fund all

unsecured maturities for five years

—

Assumes no access to capital markets

Active management to increase available

lines associated with pledgeable

assets to

ensure contingency funding

Prudent extension of term CD funding during

capital markets disruptions and volatile short

term market conditions

Reduction of overnight borrowings through

use of more dependable, less expensive

secured facilities

Significant available borrowing capacity at

each of subsidiary banks

Bank Unsecured Debt Maturities

Highlights

$mm

Bank Liquidity Position

Current unused available borrowing capacity $17

billion

FHLB borrowings $7.4 billion

Core deposits of $63 billion

Equity of $10.7 billion

All market borrowings by Fifth Third Bank (OH)

1,279

825

1,233

Fifth Third Bank

(Ohio)

Fifth Third Bank

(NA)

Fifth Third debt ratings

Date of most recent change in rating or outlook

AA-

Aa3

LT Deposit

Stable

6/18/08

F-1+

A+

Fitch

AA-

Aa3

Senior

Fifth Third Bank (OH, MI)

R-1H

A-1+

P-1

Short-term

3/18/08

9/3/08

9/18/08

Rating

Date

Current

Outlook

Fifth Third Bancorp

Negative

CreditWatch

negative

Negative

R-1M

A-1

P-1

Short-

term

AA (low)

DBRS

A+

S&P

Moody’s

Senior

Fifth Third debt ratings

Source: Bloomberg LLP as of 10/11/2008

The ratings listed in this document are generated from information provided to Fifth Third through Bloomberg LP. These ratings are subject to change based upon

criteria

developed

the

applicable

rating

agency;

Fifth

Third

does

not

necessarily

agree

with

any

these

ratings

and

has

not

independently

verified

reviewed

any

of these companies to determine whether they would meet any ratings, underwriting or other credit criteria developed independently by Fifth Third. Neither you nor any

customer

should

use

these

ratings

determinative

purchasing

credit

other

services

from

Fifth

Third.

Fifth

Third

does

not

provide

legal,

accounting,

financial,

tax

other

expert

advice.

Consult

your

own

legal,

accounting,

financial

and

tax

advisors

before

making

any

decision

invest

with

request

credit

from

Fifth

Third.

Lead Bank

Moody's

S&P

Fitch

DBRS

Wells Fargo (Wells Fargo Bank NA)

Aaa

AAA

AAH

Bank of America (Bank America America NA)

Aaa

AA-

JPMorgan Chase (JPMorgan Chase Bank NA)

Aaa

AA-

AAL

US Bank (US Bank NA North Dakota)

Aa1

AA+

AA-

BB&T (BB&T Co/WI)

Aa2

AA-

Fifth Third Bancorp (Fifth Third Bank)

Aa3

AA-

A+

SunTrust (SunTrust Bank)

Aa3

AA-

A+

AAL

PNC (PNC Bank NA)

Aa3

AA-

A+

AAL

M&I (M&I Bank)

Aa3

A+

Comerica (Comerica Bank)

A+

Regions (Regions Bank)

A+

AAL

Key (Key Bank NA)

M&T (Manufacturers & Traders Trust Co.)

A-

National City (National City Bank)

A-

AAL

Huntington (Huntington National Bank)

A-

Zions (Zions First National Bank, Utah)

A-

NR: not rated

Long-Term Issuer Rating

Fifth Third differentiators

Integrated affiliate delivery model

Strong sales culture

Operational efficiency

Streamlined decision making

Integrated payments platform (FTPS)

Acquisition integration

Customer satisfaction

Summary and priorities

Fifth Third has taken steps to ensure it is well-positioned to weather

potential further deterioration in the credit environment

Delivery of strong operating results remains a hallmark of Fifth

Third

despite sluggish economy

Capital plan designed to maintain Tier 1 capital in excess of 8%

under

significant additional stress in credit trends

Fifth Third: building a better tomorrow

Consistently outperform the U.S. banking industry

Deliver growth in excess of industry

Enhance the customer experience

Increase employee engagement

Institutionalize enterprise operational excellence

Appendix

Nonperforming assets

•

Total NPAs of $2.8B, or 330 bps

•

Homebuilder/developer NPAs of $702 M;

represent 25% of total NPAs

•

Commercial NPAs of $2.0B; recent growth

driven by commercial construction and real

estate, particularly in Michigan and Florida

•

Consumer NPAs of $841M; recent growth

driven by residential real estate, particularly

in Michigan and Florida

14%

20%

21%

42%

16%

19%

10%

15%

28%

20%

10%

34%

15%

C&I* (20%)

CRE (50%)

Residential (28%)

Other Consumer (2%)

ILLINOIS

INDIANA

FLORIDA

TENNESSEE

KENTUCKY

OHIO

MICHIGAN

Residential

$786M

28%

C&I*

$580M

20%

Other

$54M

CRE

$1.4B

50%

*C&I includes commercial lease

NORTH

CAROLINA /

GEORGIA

OTHER /

NATIONAL

Commercial construction

Accomodation

Auto Retailers

Finance &

insurance

Construction

42%

Manufacturing

Real estate

46%

Retail Trade

Other

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

26%

NC/GA

Other

20%

19%

($ in millions)

3Q07

4Q07

1Q08

2Q08

3Q08

Balance

$5,463

$5,561

$5,592

$6,007

$6,002

90+ days delinquent

$54

$67

$49

$53

$84

90+ days ratio

0.99%

1.21%

0.87%

0.88%

1.40%

NPAs

$106

$257

$418

$552

$659

as % of loans

1.94%

4.61%

7.48%

9.19%

10.98%

Net charge-offs

$12

$72

$49

$88

as % of loans

0.35%

0.83%

5.20%

3.46%

5.71%

Commercial construction

Homebuilder/developer

Loans by geography

Credit trends

Loans by industry

Comments

•

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,

41% Mortgage, 6% C&I

16%

NC/GA

19%

29%

21%

C&I

Commercial

construction

53%

Commercial

mortgage

41%

**Increase in 2Q08 balance due to the First Charter acquisition

($ in millions)

3Q07

4Q07*

1Q08

2Q08**

3Q08

Balance

$2,594

$2,868

$2,705

$3,295

$3,065

90+ days delinquent

$50

$57

$60

$123

$105

90+ days ratio

1.94%

1.99%

2.21%

3.73%

3.41%

NPAs

$78

$176

$309

$547

$702

as % of loans

3.01%

6.14%

11.42%

16.62%

22.89%

Net charge-offs

$43

$34

$163

as % of loans

0.54%

1.11%

6.14%

4.63%

19.75%

Homebuilders/developers

*Increase in 4Q07 balance due to the R-G Crown acquisition

Residential mortgage

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

Weighted average origination FICO: 728

Origination FICO distribution: <659 9%; 660-689

8%; 690-719

12%; 720-749 13%; 750+ 30%; Other

28%

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

Origination LTV distribution: <70 25%; 70.1-80 41%; 80.1-90 12%;

90.1-95 5%; >95% 17%

Vintage distribution: 2008 12%; 2007 19%; 2006 17%; 2005 27%;

2004 and prior 25%

% through broker: 13%; performance similar to direct

Loans by geography

Credit trends

Portfolio details

Comments

30% FL concentration driving 75% total loss

FL lots ($415 mm) running at 19% annualized loss rate

(YTD)

Mortgage company originations targeting 95% salability

24%

NC/GA

Other

30%

14%

^ Includes acquired loans where FICO at origination is not available

*Increase in 4Q07 balance due to the R-G Crown acquisition

($ in millions)

3Q07

4Q07*

1Q08

2Q08

3Q08

Balance

$9,057

$10,540

$9,873

$9,866

$9,351

90+ days delinquent

$116

$186

$192

$229

$185

90+ days ratio

1.28%

1.76%

1.95%

2.32%

1.98%

NPAs

$150

$216

$333

$448

$593

as % of loans

1.65%

2.04%

3.37%

4.54%

6.34%

Net charge-offs

$18

$34

$63

$77

as % of loans

0.41%

0.72%

1.33%

2.57%

3.16%

Residential mortgage

Home equity

liens:

24%;

liens:

76%

(25%

liens

behind

FITB

Weighted average origination FICO: 755

Origination FICO distribution: <659 4%; 660-689 8%; 690-719 14%; 720-

749 17%; 750+ 46%; Other

11%

Weighted

average

CLTV:

75%

liens

62%;

liens

80%)Origination

CLTV distribution: <70 35%; 70.1-80 20%; 80.1-90 19%; 90.1-95 9%; >95

17%

Vintage distribution: 2008 10%; 2007 13%; 2006 18%; 2005 17%; 2004 and

prior 42%

% through broker channels: 19% WA FICO: 740 brokered, 758 direct; WA

CLTV: 88% brokered; 73% direct

Portfolio details

Comments

Brokered loans by geography

Direct loans by geography

Credit trends

Approximately 19% of portfolio concentration in broker product driving

approximately 54% total loss

Portfolio

experiencing

increased

loss

severity

(losses

liens

approximately 100%)

Aggressive home equity line management strategies in place

Note: Brokered and direct home equity net charge-off ratios are calculated based on end of period loan balances

^ Includes acquired loans where FICO at origination is not available

22%

32%

10%

11%

Other

NC/GA

20%

23%

10%

11%

Other

21%

NC/GA

($ in millions)

3Q07

4Q07

1Q08

2Q08

3Q08

Balance

$2,746

$2,713

$2,651

$2,433

$2,368

90+ days delinquent

$30

$34

$33

$34

$31

90+ days ratio

1.08%

1.25%

1.26%

1.40%

1.33%

Net charge-offs

$14

$17

$23

$28

$30

as % of loans

1.94%

2.52%

3.29%

4.64%

5.05%

Home equity - brokered

($ in millions)

3Q07

4Q07

1Q08

2Q08*

3Q08

Balance

$8,991

$9,161

$9,152

$9,988

$10,232

90+ days delinquent

$34

$38

$43

$42

$41

90+ days ratio

0.38%

0.41%

0.47%

0.42%

0.40%

Net charge-offs

$14

$15

$18

$27

$26

as % of loans

0.59%

0.66%

0.78%

1.07%

1.00%

Home equity - direct

*Increase in 2Q08 balance due to the First Charter acquisition

Fifth

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

Credit Card

Auto

Resi Mortgage

10%

Coml Lease

C&I

15%

Commercial

Mortgage

35%

Coml Const

30%

Net charge-offs

Auto

Other Cons

Credit Card

Home Equity

11%

Resi Mortgage

C&I

17%

Commercial

Mortgage

20%

Coml Const

39%

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

4.94

17%

113

20%

25%

Commercial mortgage

3.81

29%

258

34%

28%

Commercial construction

1.11

19%

220

33%

56%

Commercial lease

0.21

40%

Commercial

10.07

19%

600

30%

36%

Mortgage

1.29

14%

13%

10%

Home equity

2.71

21%

27%

24%

Auto

1.12

13%

19%

10%

Credit card

0.31

18%

21%

20%

Other consumer

0.11

10%

12%

Consumer

5.54

17%

138

16%

15%

Total

15.61

18%

738

26%

127

27%

Florida market

NPAs

Home Equity

Resi Mortgage

35%

C&I

Commercial

Mortgage

31%

Coml Const

23%

Net charge-offs

Auto

Other Cons

Credit Card

Home Equity

Resi Mortgage

33%

C&I

11%

Commercial

Mortgage

32%

Coml Const

15%

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

Other Cons

Coml Const

13%

Commercial

Mortgage

20%

C&I

22%

Resi Mortgage

28%

Auto

Credit Card

Home Equity

10%

($ in millions)

Loans

(bn)

% of

FITB

NPAs

(mm)

% of

FITB

NCOs

(mm)

% of

FITB

Commercial loans

2.08

15%

22%

Commercial mortgage

1.94

15%

272

36%

59%

Commercial construction

1.21

20%

205

31%

30%

Commercial lease

0.00

Commercial

5.23

10%

559

28%

102

38%

Mortgage

2.83

30%

307

52%

75%

Home equity

0.95

10%

16%

Auto

0.44

14%

12%

Credit card

0.09

Other consumer

0.12

11%

12%

Consumer

4.43

13%

331

39%

37%

Total

9.66

11%

890

31%

175

38%

Cautionary statement

This report may contain forward-looking statements about Fifth Third Bancorp within the meaning of Sections 27A of the Securities Act of 1933,

as amended, and Rule 175 promulgated thereunder, and 21E of the Securities Exchange Act of 1934, as 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

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”

similar

expressions.

There

are

a number

important

factors

that

could

cause

future

results

differ

materially

from

historical

performance

and

these

forward-looking

statements.

Factors

that

might

cause

such

difference

include,

but

are

not

limited

to:

(1)

general

economic

conditions

and

weakening

the

economy,

specifically

the

real

estate

market,

either

national

the

states

which

Fifth

Third,

does

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, or the businesses in which Fifth Third, one is engaged; (12) ability to maintain favorable ratings from rating agencies; (13) fluctuation of

Fifth Third’s

stock

price;

(14)

ability

attract

and

retain

key

personnel;

(15)

ability

receive

dividends

from

its

subsidiaries;

(16)

potentially

dilutive effect of future acquisitions on current shareholders' ownership of Fifth Third; (17) effects of accounting or financial results of one or more

acquired entities; (18) difficulties in combining the operations

of acquired entities; (19) inability to generate the gains on sale and related increase

in 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 of reputational risk created by these developments on such

matters as 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 of this filing are available at

cost

the

SEC's

Web

site

www.sec.gov

the

Fifth

Third’s

Web

site

www.53.com.

Fifth

Third

undertakes

obligation

release

revisions to these forward-looking statements or reflect events or circumstances after the date of this report.