EX-99.4 5 dex994.htm FIRST QUARTER 2009 PORTFOLIO LOAN AND LEASE STRATIFICATIONS First Quarter 2009 Portfolio Loan and Lease Stratifications

Exhibit 99.4

LOGO

First Quarter 2009 Portfolio Loan and Lease Stratifications

Please refer to earnings release dated April 23, 2009 for further information

including full results including those reported on a GAAP basis

LOGO

First Quarter 2009 Portfolio Loan and Lease Stratifications Consumer

 

2

LOGO

Brokered home equity ($2.2 billion)

Combined loan-to-value (origination)

          <=70%     70.1-80%     80.1-90%     90.1-95%     95.1 +     Total  

Florida

   

Loans (% of total)

    1 %   1 %   1 %   <1 %   1 %   3 %
  

NPA + 90+ ratio

    1.5 %   11.3 %   8.9 %   7.8 %   8.2 %   7.9 %
  

YTD NCO ratio

    -0.1 %   2.4 %   22.1 %   37.3 %   19.9 %   14.2 %

Michigan

   

Loans (% of total)

    2 %   3 %   5 %   4 %   7 %   20 %
  

NPA + 90+ ratio

    3.0 %   3.7 %   2.6 %   2.6 %   3.7 %   3.2 %
  

YTD NCO ratio

    3.1 %   3.1 %   5.2 %   5.5 %   10.2 %   6.4 %

Other

   

Loans (% of total)

    7 %   9 %   16 %   11 %   33 %   76 %
  

NPA + 90+ ratio

    1.8 %   2.6 %   2.0 %   2.6 %   3.2 %   2.7 %
  

YTD NCO ratio

    1.1 %   2.7 %   3.9 %   4.1 %   6.5 %   4.6 %

Total

   

Loans (% of total)

    10 %   12 %   22 %   15 %   41 %   100 %
  

NPA + 90+ ratio

    2.1 %   3.4 %   2.4 %   2.7 %   3.4 %   3.0 %
  

YTD NCO ratio

    1.5 %   2.8 %   4.7 %   5.1 %   7.4 %   5.5 %

1sts

   

Loans (% of total)

    4 %   4 %   2 %   1 %   3 %   14 %
  

NPA + 90+ ratio

    2.0 %   4.1 %   3.6 %   1.0 %   5.1 %   3.5 %
  

YTD NCO ratio

    2.5 %   2.2 %   4.4 %   0.0 %   3.2 %   2.8 %

2nds

   

Loans (% of total)

    6 %   9 %   20 %   14 %   37 %   86 %
  

NPA + 90+ ratio

    2.1 %   3.1 %   2.2 %   2.8 %   3.3 %   2.9 %
  

YTD NCO ratio

    0.8 %   3.0 %   4.8 %   5.2 %   7.8 %   5.7 %

Total

   

Loans (% of total)

    10 %   12 %   22 %   15 %   41 %   100 %
  

NPA + 90+ ratio

    2.1 %   3.4 %   2.4 %   2.7 %   3.4 %   3.0 %
  

YTD NCO ratio

    1.5 %   2.8 %   4.7 %   5.1 %   7.4 %   5.5 %

HE loans

   

Loans (% of total)

    2 %   3 %   5 %   3 %   12 %   25 %
  

NPA + 90+ ratio

    1.3 %   2.9 %   2.6 %   2.5 %   3.5 %   2.9 %
  

YTD NCO ratio

    1.8 %   1.0 %   4.2 %   4.5 %   7.1 %   5.1 %

HELOCs

   

Loans (% of total)

    8 %   10 %   18 %   11 %   28 %   75 %
  

NPA + 90+ ratio

    2.3 %   3.6 %   2.3 %   2.8 %   3.4 %   3.0 %
  

YTD NCO ratio

    1.4 %   3.3 %   4.9 %   5.2 %   7.5 %   5.4 %

Total

   

Loans (% of total)

    10 %   12 %   22 %   15 %   41 %   100 %
  

NPA + 90+ ratio

    2.1 %   3.4 %   2.4 %   2.7 %   3.4 %   3.0 %
  

YTD NCO ratio

    1.5 %   2.8 %   4.7 %   5.1 %   7.4 %   5.5 %

< 660#

   

Loans (% of total)

    1 %   1 %   1 %   1 %   1 %   4 %
  

NPA + 90+ ratio

    5.1 %   11.1 %   3.7 %   7.4 %   6.6 %   6.3 %
  

YTD NCO ratio

    2.4 %   8.2 %   7.4 %   9.5 %   9.8 %   7.9 %

660-689

   

Loans (% of total)

    1 %   1 %   3 %   2 %   5 %   12 %
  

NPA + 90+ ratio

    2.6 %   6.3 %   3.9 %   3.1 %   4.8 %   4.3 %
  

YTD NCO ratio

    4.0 %   2.3 %   11.0 %   12.4 %   10.4 %   9.7 %

690-719

   

Loans (% of total)

    1 %   2 %   4 %   3 %   10 %   21 %
  

NPA + 90+ ratio

    2.9 %   5.2 %   3.1 %   3.6 %   3.5 %   3.6 %
  

YTD NCO ratio

    2.4 %   2.1 %   6.5 %   6.9 %   9.6 %   7.3 %

720-749

   

Loans (% of total)

    2 %   3 %   5 %   3 %   11 %   23 %
  

NPA + 90+ ratio

    4.8 %   4.0 %   2.5 %   1.7 %   3.5 %   3.2 %
  

YTD NCO ratio

    2.8 %   6.4 %   4.4 %   3.1 %   7.7 %   5.9 %

750+

   

Loans (% of total)

    5 %   6 %   9 %   6 %   13 %   39 %
  

NPA + 90+ ratio

    0.5 %   1.3 %   1.4 %   2.2 %   2.5 %   1.7 %
  

YTD NCO ratio

    0.3 %   1.0 %   2.0 %   2.4 %   4.0 %   2.4 %

Other^

   

Loans (% of total)

    <1 %   <1 %   <1 %   <1 %   <1 %   <1 %
  

NPA + 90+ ratio

    4.2 %   0.0 %   0.0 %   0.0 %   1.8 %   3.2 %
  

YTD NCO ratio

    3.2 %   0.0 %   0.0 %   0.0 %   1.0 %   2.4 %

Total

   

Loans (% of total)

    10 %   12 %   22 %   15 %   41 %   100 %
  

NPA + 90+ ratio

    2.1 %   3.4 %   2.4 %   2.7 %   3.4 %   3.0 %
  

YTD NCO ratio

    1.5 %   2.8 %   4.7 %   5.1 %   7.4 %   5.5 %

 

# Includes relationship based and private lending
^ Includes acquired loans where FICOs at origination is not available

Note: Consumer net charge-off ratios are calculated using first quarter end of period loan balances

Note: Percentages may not sum due to rounding

 

3

LOGO

Retail direct home equity ($10.5 billion)

Combined loan-to-value (origination)

          <=70%   70.1-80%   80.1-90%   90.1-95%   95.1 +   Total
Florida    Loans (% of total)    5%   2%   1%   <1%   <1%   9%
   NPA + 90+ ratio    1.4%   2.1%   3.8%   4.7%   7.0%   2.2%
   YTD NCO ratio    2.3%   4.3%   10.6%   6.9%   17.0%   4.4%
Michigan    Loans (% of total)    9%   5%   4%   2%   2%   21%
   NPA + 90+ ratio    1.0%   1.2%   1.6%   1.7%   2.2%   1.3%
   YTD NCO ratio    1.3%   1.9%   2.9%   5.0%   4.2%   2.3%
Other    Loans (% of total)    28%   16%   13%   5%   8%   70%
   NPA + 90+ ratio    0.8%   1.0%   1.3%   1.2%   1.3%   1.0%
   YTD NCO ratio    0.5%   0.6%   1.1%   1.9%   2.8%   1.0%
Total    Loans (% of total)    42%   23%   18%   7%   11%   100%
   NPA + 90+ ratio    0.9%   1.1%   1.5%   1.4%   1.6%   1.2%
   YTD NCO ratio    0.9%   1.2%   2.1%   2.8%   3.5%   1.6%
1sts    Loans (% of total)    16%   7%   3%   1%   1%   27%
   NPA + 90+ ratio    0.6%   1.2%   2.0%   3.1%   2.8%   1.0%
   YTD NCO ratio    0.7%   1.0%   1.3%   3.0%   2.0%   0.9%
2nds    Loans (% of total)    26%   16%   15%   6%   10%   73%
   NPA + 90+ ratio    1.1%   1.1%   1.4%   1.3%   1.6%   1.2%
   YTD NCO ratio    1.0%   1.3%   2.2%   2.8%   3.7%   1.8%
Total    Loans (% of total)    42%   23%   18%   7%   11%   100%
   NPA + 90+ ratio    0.9%   1.1%   1.5%   1.4%   1.6%   1.2%
   YTD NCO ratio    0.9%   1.2%   2.1%   2.8%   3.5%   1.6%
HE loans    Loans (% of total)    5%   3%   2%   1%   2%   14%
   NPA + 90+ ratio    1.3%   1.2%   1.9%   1.4%   1.6%   1.4%
   YTD NCO ratio    1.1%   1.0%   1.2%   2.9%   2.6%   1.5%
HELOCs    Loans (% of total)    37%   20%   15%   6%   9%   86%
   NPA + 90+ ratio    0.9%   1.1%   1.4%   1.5%   1.6%   1.1%
   YTD NCO ratio    0.8%   1.2%   2.2%   2.8%   3.8%   1.6%
Total    Loans (% of total)    42%   23%   18%   7%   11%   100%
   NPA + 90+ ratio    0.9%   1.1%   1.5%   1.4%   1.6%   1.2%
   YTD NCO ratio    0.9%   1.2%   2.1%   2.8%   3.5%   1.6%
< 660#    Loans (% of total)    1%   1%   1%   <1%   1%   4%
   NPA + 90+ ratio    2.9%   3.4%   4.5%   4.5%   4.3%   3.7%
   YTD NCO ratio    3.3%   5.4%   5.8%   4.9%   9.8%   5.5%
660-689    Loans (% of total)    2%   2%   2%   1%   1%   7%
   NPA + 90+ ratio    1.5%   2.3%   3.7%   2.4%   2.5%   2.4%
   YTD NCO ratio    2.0%   2.9%   5.3%   6.9%   6.2%   4.2%
690-719    Loans (% of total)    3%   3%   3%   1%   2%   12%
   NPA + 90+ ratio    1.4%   2.7%   2.2%   2.2%   2.6%   2.2%
   YTD NCO ratio    0.8%   1.9%   4.2%   4.6%   4.3%   2.8%
720-749    Loans (% of total)    4%   4%   3%   1%   2%   15%
   NPA + 90+ ratio    0.9%   1.3%   1.6%   1.3%   1.5%   1.3%
   YTD NCO ratio    1.3%   1.6%   1.4%   3.2%   3.6%   1.9%
750+    Loans (% of total)    19%   14%   9%   3%   4%   49%
   NPA + 90+ ratio    0.2%   0.4%   0.6%   0.8%   0.7%   0.4%
   YTD NCO ratio    0.1%   0.5%   0.8%   1.1%   1.5%   0.5%
Other^    Loans (% of total)    12%   <1%   <1%   <1%   <1%   13%
   NPA + 90+ ratio    1.6%   1.5%   0.3%   0.9%   1.1%   1.6%
   YTD NCO ratio    1.4%   0.0%   0.0%   0.0%   3.2%   1.4%
Total    Loans (% of total)    42%   23%   18%   7%   11%   100%
   NPA + 90+ ratio    0.9%   1.1%   1.5%   1.4%   1.6%   1.2%
   YTD NCO ratio    0.9%   1.2%   2.1%   2.8%   3.5%   1.6%

 

# Includes relationship based and private lending
^ Includes acquired loans where FICOs at origination is not available

Note: Consumer net charge-off ratios are calculated using first quarter end of period loan balances

Note: Percentages may not sum due to rounding

 

4

LOGO

 

Total home equity ($12.7 billion)

Combined loan-to-value (origination)

         <=70%   70.1-80%   80.1-90%   90.1-95%   95.1 +   Total

Florida

  

Loans (% of total)

    4%   2%   1%   <1%   <1%   8%
 

NPA + 90+ ratio

    1.4%   2.8%   4.4%   5.2%   7.4%   2.6%
 

YTD NCO ratio

    2.2%   4.2%   12.0%   11.7%   18.0%   5.1%

Michigan

  

Loans (% of total)

    7%   4%   4%   2%   3%   21%
 

NPA + 90+ ratio

    1.1%   1.5%   1.8%   2.0%   2.8%   1.6%
 

YTD NCO ratio

    1.4%   2.0%   3.4%   5.1%   6.5%   3.0%

Other

  

Loans (% of total)

    24%   15%   13%   6%   12%   71%
 

NPA + 90+ ratio

    0.9%   1.1%   1.4%   1.6%   2.2%   1.3%
 

YTD NCO ratio

    0.5%   0.8%   1.7%   2.6%   4.5%   1.7%

Total

  

Loans (% of total)

    36%   21%   18%   8%   16%   100%
 

NPA + 90+ ratio

    1.0%   1.4%   1.7%   1.8%   2.4%   1.5%
 

YTD NCO ratio

    0.9%   1.4%   2.6%   3.5%   5.3%   2.3%

1sts

  

Loans (% of total)

    14%   6%   3%   1%   1%   25%
 

NPA + 90+ ratio

    0.7%   1.5%   2.2%   2.8%   3.9%   1.3%
 

YTD NCO ratio

    0.8%   1.1%   1.8%   2.6%   2.5%   1.1%

2nds

  

Loans (% of total)

    22%   15%   16%   8%   15%   75%
 

NPA + 90+ ratio

    1.1%   1.3%   1.6%   1.8%   2.3%   1.6%
 

YTD NCO ratio

    1.0%   1.5%   2.8%   3.6%   5.5%   2.6%

Total

  

Loans (% of total)

    36%   21%   18%   8%   16%   100%
 

NPA + 90+ ratio

    1.0%   1.4%   1.7%   1.8%   2.4%   1.5%
 

YTD NCO ratio

    0.9%   1.4%   2.6%   3.5%   5.3%   2.3%

HE loans

  

Loans (% of total)

    5%   3%   3%   2%   4%   16%
 

NPA + 90+ ratio

    1.3%   1.6%   2.1%   1.8%   2.6%   1.9%
 

YTD NCO ratio

    1.1%   1.0%   2.1%   3.5%   5.1%   2.5%

HELOCs

  

Loans (% of total)

    32%   18%   16%   7%   12%   84%
 

NPA + 90+ ratio

    0.9%   1.3%   1.6%   1.9%   2.4%   1.4%
 

YTD NCO ratio

    0.9%   1.4%   2.7%   3.6%   5.3%   2.2%

Total

  

Loans (% of total)

    36%   21%   18%   8%   16%   100%
 

NPA + 90+ ratio

    1.0%   1.4%   1.7%   1.8%   2.4%   1.5%
 

YTD NCO ratio

    0.9%   1.4%   2.6%   3.5%   5.3%   2.3%

< 660#

  

Loans (% of total)

    1%   1%   1%   <1%   1%   4%
 

NPA + 90+ ratio

    3.1%   4.3%   4.3%   5.4%   5.0%   4.2%
 

YTD NCO ratio

    3.2%   5.8%   6.2%   6.4%   9.8%   6.0%

660-689

  

Loans (% of total)

    2%   2%   2%   1%   2%   8%
 

NPA + 90+ ratio

    1.6%   2.8%   3.7%   2.6%   3.6%   2.9%
 

YTD NCO ratio

    2.2%   2.8%   6.9%   8.9%   8.2%   5.6%

690-719

  

Loans (% of total)

    3%   3%   3%   1%   4%   13%
 

NPA + 90+ ratio

    1.5%   3.1%   2.4%   2.7%   3.0%   2.5%
 

YTD NCO ratio

    1.0%   1.9%   4.8%   5.4%   7.0%   4.1%

720-749

  

Loans (% of total)

    4%   4%   4%   2%   4%   17%
 

NPA + 90+ ratio

    1.2%   1.7%   1.8%   1.4%   2.4%   1.7%
 

YTD NCO ratio

    1.4%   2.2%   2.1%   3.1%   5.6%   2.9%

750+

  

Loans (% of total)

    17%   12%   9%   4%   6%   48%
 

NPA + 90+ ratio

    0.2%   0.5%   0.8%   1.2%   1.4%   0.6%
 

YTD NCO ratio

    0.2%   0.5%   1.0%   1.5%   2.5%   0.8%

Other^

  

Loans (% of total)

    10%   <1%   <1%   <1%   <1%   11%
 

NPA + 90+ ratio

    1.6%   1.5%   0.2%   0.8%   1.3%   1.6%
 

YTD NCO ratio

    1.4%   0.0%   0.0%   0.0%   2.8%   1.4%

Total

  

Loans (% of total)

    36%   21%   18%   8%   16%   100%
 

NPA + 90+ ratio

    1.0%   1.4%   1.7%   1.8%   2.4%   1.5%
 

YTD NCO ratio

    0.9%   1.4%   2.6%   3.5%   5.3%   2.3%

 

# Includes relationship based and private lending
^ Includes acquired loans where FICOs at origination is not available

Note: Consumer net charge-off ratios are calculated using first quarter end of period loan balances

Note: Percentages may not sum due to rounding

 

5

LOGO

Total residential mortgage ($8.9 billion)

FICO (origination)

          < 660#    660-689    690-719    720-750    750+    Other^    Total

Lots

   

Loans (% of total)

    <1%    1%    1%    1%    2%    3%    8%
  

NPA + 90+ ratio

    21.9%    26.6%    16.5%    14.1%    6.5%    21.8%    16.3%
  

YTD NCO ratio

    13.0%    13.8%    18.4%    8.6%    5.7%    14.2%    11.5%
Residential construction   

Loans (% of total)

    <1%    <1%    <1%    <1%    1%    1%    3%
  

NPA + 90+ ratio

    0.0%    4.8%    0.0%    0.0%    0.1%    0.0%    0.3%
  

YTD NCO ratio

    0.0%    0.0%    0.0%    0.0%    0.0%    0.0%    0.0%

Other non-owner

   

Loans (% of total)

    <1%    <1%    1%    <1%    1%    4%    7%

occupied

   

NPA + 90+ ratio

    35.1%    32.1%    21.7%    23.4%    14.5%    22.0%    22.3%
  

YTD NCO ratio

    15.3%    19.6%    15.3%    19.2%    17.1%    8.2%    11.4%

Owner occupied

   

Loans (% of total)

    9%    7%    10%    11%    26%    19%    83%
  

NPA + 90+ ratio

    11.0%    10.3%    6.8%    4.6%    1.9%    8.2%    6.0%
  

YTD NCO ratio

    4.1%    2.8%    2.2%    1.7%    0.8%    2.1%    1.9%

Total

   

Loans (% of total)

    10%    8%    12%    13%    30%    27%    100%
  

NPA + 90+ ratio

    12.1%    12.3%    8.0%    5.9%    2.5%    11.8%    7.8%
  

YTD NCO ratio

    4.7%    4.2%    3.9%    2.8%    1.6%    4.4%    3.3%

Total residential mortgage ($8.9 billion)

Loan-to-value (origination)

          <=70%    70.1-80%    80.1-90%    90.1-95%    95.1 +    Total

Lots

   

Loans (% of total)

    1%    2%    2%    <1%    3%    8%
  

NPA + 90+ ratio

    22.3%    24.3%    13.3%    8.2%    10.6%    16.3%
  

YTD NCO ratio

    15.1%    18.5%    7.9%    8.2%    7.4%    11.5%

Residential construction

   

Loans (% of total)

    1%    1%    <1%    <1%    <1%    3%
  

NPA + 90+ ratio

    0.0%    0.6%    0.0%    0.0%    5.9%    0.3%
  

YTD NCO ratio

    0.0%    0.0%    0.0%    0.0%    0.0%    0.0%

Other non-owner

occupied

   

Loans (% of total)

    1%    4%    1%    <1%    <1%    7%
  

NPA + 90+ ratio

    15.3%    19.9%    34.2%    31.6%    18.4%    22.3%
  

YTD NCO ratio

    8.0%    10.1%    14.7%    8.1%    24.5%    11.4%

Owner occupied

   

Loans (% of total)

    22%    35%    8%    5%    13%    83%
  

NPA + 90+ ratio

    3.6%    5.4%    11.2%    11.5%    6.9%    6.0%
  

YTD NCO ratio

    0.7%    1.5%    4.6%    3.1%    3.4%    1.9%

Total

   

Loans (% of total)

    25%    41%    12%    5%    16%    100%
  

NPA + 90+ ratio

    4.8%    7.5%    13.9%    11.7%    7.8%    7.8%
  

YTD NCO ratio

    1.6%    3.1%    6.2%    3.4%    4.5%    3.3%

Total residential mortgage ($8.9 billion)

          Florida    Michigan    Other    Total

Lots

   

Loans (% of total)

    4%    1%    3%    8%
  

NPA + 90+ ratio

    26.1%    5.8%    6.7%    16.3%
  

YTD NCO ratio

    19.7%    3.2%    3.3%    11.5%

Residential

   

Loans (% of total)

    1%    <1%    2%    3%
  

NPA + 90+ ratio

    0.0%    0.3%    0.4%    0.3%
  

YTD NCO ratio

    0.0%    0.0%    0.0%    0.0%

Other non-owner

occupied

   

Loans (% of total)

    4%    <1%    2%    7%
  

NPA + 90+ ratio

    26.2%    23.6%    14.7%    22.3%
  

YTD NCO ratio

    14.1%    17.5%    5.6%    11.4%

Owner occupied

   

Loans (% of total)

    21%    13%    49%    83%
  

NPA + 90+ ratio

    10.8%    5.6%    4.1%    6.0%
  

YTD NCO ratio

    4.0%    2.5%    0.9%    1.9%

Total

   

Loans (% of total)

    30%    14%    56%    100%
  

NPA + 90+ ratio

    14.9%    5.9%    4.6%    7.8%
  

YTD NCO ratio

    7.5%    2.8%    1.2%    3.3%

 

# Loans with FICO < 660 include CRA and FHA/VA loans as well as relationship based and private lending
^ Includes acquired loans where FICOs at origination is not available

Note: Consumer net charge-off ratios are calculated using first quarter end of period loan balances

Note: Percentages may not sum due to rounding

 

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Total auto ($8.7 billion)

FICO (origination)

          < 660     660-689     690-719     720-750     750+     Other^     Total  

Auto/Van

   

Loans (% of total)

    1 %   4 %   8 %   8 %   18 %   1 %   41 %
  

NPA + 90+ ratio

    1.3 %   0.9 %   0.6 %   0.4 %   0.2 %   0.7 %   0.4 %
  

YTD NCO ratio

    5.8 %   4.4 %   2.9 %   1.9 %   0.9 %   3.6 %   2.0 %

Small/Med SUV and

Compact Pickup

   

Loans (% of total)

    1 %   3 %   6 %   6 %   12 %   <1 %   27 %
  

NPA + 90+ ratio

    1.1 %   0.8 %   0.6 %   0.4 %   0.2 %   0.4 %   0.4 %
  

YTD NCO ratio

    5.0 %   3.5 %   2.8 %   1.5 %   0.7 %   1.3 %   1.7 %

Large SUV/Full Size Pickup

   

Loans (% of total)

    <1 %   2 %   5 %   5 %   9 %   1 %   22 %
  

NPA + 90+ ratio

    1.3 %   1.1 %   0.7 %   0.5 %   0.3 %   0.6 %   0.6 %
  

YTD NCO ratio

    3.5 %   4.5 %   3.0 %   1.8 %   0.8 %   1.9 %   2.0 %

Other

   

Loans (% of total)

    <1 %   1 %   2 %   2 %   5 %   1 %   10 %
  

NPA + 90+ ratio

    1.9 %   1.9 %   1.8 %   0.8 %   0.5 %   5.1 %   1.2 %
  

YTD NCO ratio

    13.5 %   6.8 %   6.3 %   4.1 %   1.9 %   7.9 %   4.2 %

Total

   

Loans (% of total)

    2 %   10 %   20 %   20 %   44 %   3 %   100 %
  

NPA + 90+ ratio

    1.4 %   1.0 %   0.7 %   0.5 %   0.2 %   1.7 %   0.5 %
  

YTD NCO ratio

    6.4 %   4.4 %   3.2 %   2.0 %   0.9 %   3.7 %   2.2 %

New

   

Loans (% of total)

    1 %   4 %   9 %   9 %   23 %   1 %   47 %
  

NPA + 90+ ratio

    1.1 %   1.0 %   0.7 %   0.4 %   0.2 %   1.0 %   0.4 %
  

YTD NCO ratio

    7.4 %   4.0 %   2.8 %   1.6 %   0.6 %   2.0 %   1.7 %

Used

   

Loans (% of total)

    1 %   6 %   12 %   11 %   21 %   1 %   53 %
  

NPA + 90+ ratio

    1.5 %   1.0 %   0.7 %   0.5 %   0.3 %   2.6 %   0.6 %
  

YTD NCO ratio

    5.8 %   4.6 %   3.4 %   2.2 %   1.3 %   5.8 %   2.6 %

Total

   

Loans (% of total)

    2 %   10 %   20 %   20 %   44 %   3 %   100 %
  

NPA + 90+ ratio

    1.4 %   1.0 %   0.7 %   0.5 %   0.2 %   1.7 %   0.5 %
  

YTD NCO ratio

    6.4 %   4.4 %   3.2 %   2.0 %   0.9 %   3.7 %   2.2 %

<=100% advance rate

   

Loans (% of total)

    1 %   6 %   10 %   10 %   28 %   2 %   57 %
  

NPA + 90+ ratio

    1.1 %   0.8 %   0.5 %   0.3 %   0.1 %   1.8 %   0.4 %
  

YTD NCO ratio

    6.0 %   3.0 %   2.0 %   1.1 %   0.5 %   3.3 %   1.4 %

>100% advance rate

   

Loans (% of total)

    1 %   4 %   10 %   10 %   16 %   1 %   43 %
  

NPA + 90+ ratio

    1.8 %   1.2 %   0.9 %   0.7 %   0.4 %   1.3 %   0.7 %
  

YTD NCO ratio

    7.0 %   6.2 %   4.3 %   2.8 %   1.7 %   5.1 %   3.2 %

Total

   

Loans (% of total)

    2 %   10 %   20 %   20 %   44 %   3 %   100 %
  

NPA + 90+ ratio

    1.4 %   1.0 %   0.7 %   0.5 %   0.2 %   1.7 %   0.5 %
  

YTD NCO ratio

    6.4 %   4.4 %   3.2 %   2.0 %   0.9 %   3.7 %   2.2 %

<=60 month term

   

Loans (% of total)

    1 %   2 %   4 %   5 %   15 %   1 %   28 %
  

NPA + 90+ ratio

    0.9 %   0.6 %   0.3 %   0.2 %   0.1 %   1.5 %   0.3 %
  

YTD NCO ratio

    4.4 %   3.3 %   2.0 %   0.8 %   0.4 %   2.0 %   1.1 %

>60 month term

   

Loans (% of total)

    1 %   8 %   16 %   16 %   29 %   1 %   72 %
  

NPA + 90+ ratio

    1.6 %   1.1 %   0.8 %   0.5 %   0.3 %   1.9 %   0.6 %
  

YTD NCO ratio

    7.5 %   4.7 %   3.5 %   2.3 %   1.2 %   5.4 %   2.6 %

Total

   

Loans (% of total)

    2 %   10 %   20 %   20 %   44 %   3 %   100 %
  

NPA + 90+ ratio

    1.4 %   1.0 %   0.7 %   0.5 %   0.2 %   1.7 %   0.5 %
  

YTD NCO ratio

    6.4 %   4.4 %   3.2 %   2.0 %   0.9 %   3.7 %   2.2 %

 

^ Includes acquired loans where FICOs at origination is not available

Note: Consumer net charge-off ratios are calculated using first quarter end of period loan balances

Note: Percentage may not sum due to rounding

 

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                      Consumer loans by vintage                                      
          Mortgage     Home equity                          
          Lot     Resi constr     Other non-
owner occ’d		     Owner occ’d     Brokered     Direct     Auto     Card     Other     Total  

2009

    Loans (% of total, by loan type)    <1 %   1 %   <1 %   1 %   0 %   2 %   11 %   4 %   <1 %   4 %
   NPA + 90+ ratio    0.0 %   0.0 %   0.0 %   0.0 %   0.0 %   0.0 %   0.0 %   0.0 %   0.0 %   0.0 %
   YTD NCO ratio    0.0 %   0.0 %   0.0 %   0.0 %   0.0 %   0.0 %   0.0 %   0.0 %   0.0 %   0.0 %

2008

    Loans (% of total, by loan type)    2 %   65 %   2 %   14 %   1 %   14 %   38 %   19 %   42 %   20 %
   NPA + 90+ ratio    3.8 %   0.0 %   6.0 %   3.3 %   0.4 %   0.2 %   0.4 %   3.2 %   0.0 %   1.0 %
   YTD NCO ratio    0.8 %   0.0 %   7.1 %   0.2 %   0.0 %   0.2 %   1.8 %   4.4 %   0.2 %   1.3 %

2007

    Loans (% of total, by loan type)    13 %   19 %   10 %   19 %   14 %   12 %   21 %   32 %   26 %   18 %
   NPA + 90+ ratio    8.8 %   0.3 %   16.4 %   5.9 %   1.8 %   0.8 %   0.5 %   6.5 %   0.1 %   2.9 %
   YTD NCO ratio    3.0 %   0.0 %   12.2 %   2.0 %   2.7 %   1.4 %   2.8 %   9.3 %   1.9 %   3.1 %

2006

    Loans (% of total, by loan type)    35 %   10 %   19 %   15 %   33 %   14 %   12 %   12 %   13 %   15 %
   NPA + 90+ ratio    14.0 %   2.5 %   32.3 %   9.4 %   3.6 %   1.8 %   0.9 %   7.8 %   0.2 %   5.1 %
   YTD NCO ratio    7.9 %   0.0 %   19.9 %   3.4 %   8.3 %   3.5 %   3.4 %   10.6 %   4.0 %   5.1 %

2005

    Loans (% of total, by loan type)    39 %   4 %   38 %   25 %   26 %   14 %   11 %   9 %   14 %   17 %
   NPA + 90+ ratio    20.3 %   0.0 %   27.3 %   6.9 %   3.3 %   1.5 %   0.5 %   7.4 %   0.1 %   5.5 %
   YTD NCO ratio    18.3 %   0.0 %   10.9 %   2.6 %   5.5 %   2.2 %   2.2 %   9.2 %   2.7 %   4.1 %

2004 & prior

    Loans (% of total, by loan type)    12 %   1 %   31 %   26 %   26 %   44 %   7 %   24 %   5 %   26 %
   NPA + 90+ ratio    20.3 %   0.0 %   13.2 %   5.1 %   2.6 %   1.3 %   1.2 %   10.3 %   0.4 %   3.2 %
   YTD NCO ratio    11.0 %   0.0 %   7.1 %   1.5 %   2.9 %   1.3 %   3.3 %   8.6 %   2.9 %   2.3 %

Total

    Loans (% of total, by loan type)    100 %   100 %   100 %   100 %   100 %   100 %   100 %   100 %   100 %   100 %
   NPA + 90+ ratio    16.3 %   0.3 %   22.3 %   6.0 %   3.0 %   1.2 %   0.5 %   6.7 %   0.1 %   3.2 %
   YTD NCO ratio    11.5 %   0.0 %   11.4 %   1.9 %   5.5 %   1.6 %   2.2 %   7.9 %   1.6 %   2.8 %

Note: Consumer net charge-off ratios are calculated using first quarter end of period loan balances

Note: Percentages may not sum due to rounding

 

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First Quarter 2009 Portfolio Loan and Lease Stratifications Commercial

 

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Total commercial loans ($49.4 billion)
          Florida   Michigan   Other   Total

Other non-owner occupied

    Loans (% of total)    4%   5%   14%   22%

RE

    NPA ratio    15.9%   6.5%   8.9%   9.6%
  

YTD NCO ratio

    10.8%   4.4%   3.8%   5.1%

Owner-occupied RE

    Loans (% of total)    1%   4%   8%   13%
  

NPA ratio

    6.2%   4.1%   4.2%   4.4%
  

YTD NCO ratio

    0.8%   1.5%   0.7%   0.9%

C&I

    Loans (% of total)    4%   9%   45%   58%
  

NPA ratio

    3.7%   2.5%   2.2%   2.4%
  

YTD NCO ratio

    4.9%   2.3%   1.0%   1.4%

Commercial lease

    Loans (% of total)    <1%   <1%   6%   7%
  

NPA ratio

    0.0%   1.2%   0.8%   0.8%
  

YTD NCO ratio

    0.0%   0.0%   NM   NM

Other

    Loans (% of total)    <1%   <1%   <1%   <1%
  

NPA ratio

    0.0%   0.0%   0.0%   0.0%
  

YTD NCO ratio

    0.0%   0.0%   0.0%   0.0%

Total

    Loans (% of total)    9%   18%   73%   100%
  

NPA ratio

    9.1%   3.8%   3.6%   4.1%
  

YTD NCO ratio

    6.7%   2.6%   1.4%   2.1%

C&I

    Loans (% of total)    4%   9%   45%   58%
  

NPA ratio

    3.7%   2.5%   2.2%   2.4%
  

YTD NCO ratio

    4.9%   2.3%   1.0%   1.4%

Commercial mortgage

    Loans (% of total)    3%   7%   15%   25%
  

NPA ratio

    9.3%   4.6%   5.4%   5.7%
  

YTD NCO ratio

    7.1%   2.5%   1.4%   2.5%

Commercial construction

    Loans (% of total)    2%   2%   6%   10%
  

NPA ratio

    21.4%   9.2%   11.5%   12.6%
  

YTD NCO ratio

    9.5%   5.8%   5.5%   6.2%

Commercial lease

    Loans (% of total)    <1%   <1%   6%   7%
  

NPA ratio

    0.0%   1.2%   0.8%   0.8%
  

YTD NCO ratio

    0.0%   0.0%   NM   NM

Other

    Loans (% of total)    <1%   <1%   <1%   <1%
  

NPA ratio

    0.0%   0.0%   0.0%   0.0%
  

YTD NCO ratio

    0.0%   0.0%   0.0%   0.0%

Total

    Loans (% of total)    9%   18%   73%   100%
  

NPA ratio

    9.1%   3.8%   3.6%   4.1%
  

YTD NCO ratio

    6.7%   2.6%   1.4%   2.1%

Homebuilders / developers

    Loans (% of total)    1%   1%   3%   5%

(included in #’s above)

    NPA ratio    29.6%   19.5%   23.4%   23.9%
   YTD NCO ratio    9.2%   13.6%   10.4%   10.7%

NPAs exclude loans held-for-sale

Note: Percentages may not sum due to rounding

 

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Total commercial loans ($49.4 billion)
          C&I   Commercial
mortgage		   Commercial
construction		   Other   Total

Other non-owner occupied

    Loans (% of total)    <1%   14%   8%   <1%   22%

RE

    NPA ratio    0.0%   7.0%   13.9%   0.0%   9.6%
  

YTD NCO ratio

    0.0%   3.8%   7.3%   0.0%   5.1%

Owner-occupied RE

    Loans (% of total)    <1%   12%   1%   <1%   13%
  

NPA ratio

    0.0%   4.2%   6.0%   0.0%   4.4%
  

YTD NCO ratio

    0.0%   1.0%   0.6%   0.0%   0.9%

C&I

    Loans (% of total)    58%   <1%   <1%   <1%   58%
  

NPA ratio

    2.4%   0.0%   0.0%   0.0%   2.4%
  

YTD NCO ratio

    1.4%   0.0%   0.0%   0.0%   1.4%

Commercial lease

    Loans (% of total)    <1%   <1%   <1%   7%   7%
  

NPA ratio

    0.0%   0.0%   0.0%   0.8%   0.8%
  

YTD NCO ratio

    0.0%   0.0%   0.0%   NM   NM

Other

    Loans (% of total)    <1%   <1%   <1%   <1%   <1%
  

NPA ratio

    0.0%   0.0%   0.0%   0.0%   0.0%
  

YTD NCO ratio

    0.0%   0.0%   0.0%   0.0%   0.0%

Total

    Loans (% of total)    58%   25%   10%   7%   100%
  

NPA ratio

    2.4%   5.7%   12.6%   0.8%   4.1%
  

YTD NCO ratio

    1.4%   2.5%   6.2%   NM   2.1%

Homebuilders / developers

    Loans (% of total)    1%   2%   2%   <1%   5%

(included in #’s above)

    NPA ratio    7.3%   26.1%   27.4%   0.0%   23.9%
   YTD NCO ratio    4.6%   7.6%   14.9%   0.0%   10.7%

NPAs exclude loans held-for-sale

Note: Percentages may not sum due to rounding

 

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Total commercial loans ($49.4 billion)

                          
         Residential
raw land		     Residential
developed
land		     Residential
vertical
land		     Commercial
raw land		     Commercial
developed
land		     Other     Total  

Other non-owner occupied RE

  

Loans (% of total)

NPA ratio

YTD NCO ratio

    1

26.8

15.2

 %

%

%

   1

24.3

21.9

 %

%

%

   3

22.7

9.1

 %

%

%

   1

13.9

9.0

 %

%

%

   1

8.1

6.6

 %

%

%

   15

3.7

1.5

 %

%

%

   22

9.6

5.1

 %

%

%

Owner-occupied RE

  

Loans (% of total)

NPA ratio

YTD NCO ratio

    <1

0.0

0.0

 %

%

%

   <1

62.7

6.0

 %

%

%

   <1

8.9

1.7

 %

%

%

   <1

0.0

0.0

 %

%

%

   <1

2.6

0.0

 %

%

%

   13

4.2

0.9

 %

%

%

   13

4.4

0.9

 %

%

%

C&I

  

Loans (% of total)

NPA ratio

YTD NCO ratio

    <1

5.6

3.9

 %

%

%

   <1

22.7

2.4

 %

%

%

   1

8.4

3.5

 %

%

%

   <1

3.6

0.2

 %

%

%

   <1

2.8

16.2

 %

%

%

   57

2.2

1.4

 %

%

%

   58

2.4

1.4

 %

%

%

Commercial lease

  

Loans (% of total)

NPA ratio

YTD NCO ratio

    <1

0.0

0.0

 %

%

%

   <1

0.0

0.0

 %

%

%

   <1

0.0

0.0

 %

%

%

   <1

0.0

0.0

 %

%

%

   <1

0.0

0.0

 %

%

%

   7

0.8

NM

 %

%

 

   7

0.8

NM

 %

%

 

Other

  

Loans (% of total)

NPA ratio

YTD NCO ratio

    <1

0.0

0.0

 %

%

%

   <1

0.0

0.0

 %

%

%

   <1

0.0

0.0

 %

%

%

   <1

0.0

0.0

 %

%

%

   <1

0.0

0.0

 %

%

%

   <1

0.0

0.0

 %

%

%

   <1

0.0

0.0

 %

%

%

Total

  

Loans (% of total)

NPA ratio

YTD NCO ratio

    1

25.7

14.6

 %

%

%

   1

24.9

20.8

 %

%

%

   4

18.5

7.3

 %

%

%

   1

11.0

6.7

 %

%

%

   1

7.5

6.9

 %

%

%

   91

2.6

1.2

 %

%

%

   100

4.1

2.1

 %

%

%

Florida

  

Loans (% of total)

NPA ratio

YTD NCO ratio

    <1

31.3

22.8

 %

%

%

   <1

33.1

51.1

 %

%

%

   1

34.0

13.2

 %

%

%

   <1

18.0

11.8

 %

%

%

   <1

7.1

8.4

 %

%

%

   7

4.2

2.9

 %

%

%

   9

9.1

6.7

 %

%

%

Michigan

  

Loans (% of total)

NPA ratio

YTD NCO ratio

    <1

17.2

22.9

 %

%

%

   <1

30.5

24.2

 %

%

%

   1

10.3

10.5

 %

%

%

   <1

15.9

16.7

 %

%

%

   <1

1.9

4.7

 %

%

%

   16

2.7

1.3

 %

%

%

   18

3.8

2.6

 %

%

%

Other

  

Loans (% of total)

NPA ratio

YTD NCO ratio

    1

27.5

7.8

 %

%

%

   1

19.7

6.8

 %

%

%

   3

16.7

5.0

 %

%

%

   1

7.2

2.2

 %

%

%

   1

8.6

6.4

 %

%

%

   68

2.4

1.0

 %

%

%

   73

3.6

1.4

 %

%

%

Total

  

Loans (% of total)

NPA ratio

YTD NCO ratio

    1

25.7

14.6

 %

%

%

   1

24.9

20.8

 %

%

%

   4

18.5

7.3

 %

%

%

   1

11.0

6.7

 %

%

%

   1

7.5

6.9

 %

%

%

   91

2.6

1.2

 %

%

%

   100

4.1

2.1

 %

%

%

Homebuilders / developers (included in #’s above)

  

Loans (% of total)

NPA ratio

YTD NCO ratio

    1

25.7

11.3

 %

%

%

   1

24.8

10.9

 %

%

%

   1

27.4

11.5

 %

%

%

   <1

0.0

0.0

 %

%

%

   <1

0.0

0.0

 %

%

%

   1

3.7

6.1

 %

%

%

   5

23.9

10.7

 %

%

%

NPAs exclude loans held-for-sale

Note: Percentages may not sum due to rounding

 

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Total commercial loans ($49.4 billion)
          C&I   Commercial
mortgage		   Commercial
construction		   Other   Total

Accommodation

   

Loans (% of total)

NPA ratio

YTD NCO ratio

    1%

1.5%

1.4%

   1%

4.2%

2.0%

   <1%

4.4%

3.1%

   <1%

0.0%

0.0%

   2%

2.6%

1.6%

Auto manufacturing

   

Loans (% of total)

NPA ratio

YTD NCO ratio

    1%

0.1%

0.9%

   <1%

0.0%

0.0%

   <1%

0.0%

0.0%

   <1%

0.0%

0.0%

   1%

0.1%

0.8%

Construction

   

Loans (% of total)

NPA ratio

YTD NCO ratio

    3%

5.2%

4.8%

   3%

19.1%

5.1%

   4%

24.5%

10.0%

   <1%

6.3%

0.0%

   9%

16.9%

7.0%

Finance & insurance

   

Loans (% of total)

NPA ratio

YTD NCO ratio

    7%

0.9%

0.1%

   <1%

4.4%

0.2%

   <1%

1.6%

0.0%

   <1%

0.0%

0.0%

   7%

1.0%

0.1%

Manufacturing

   

Loans (% of total)

NPA ratio

YTD NCO ratio

    12%

1.9%

0.5%

   1%

4.3%

0.7%

   <1%

0.0%

0.0%

   1%

1.9%

0.0%

   14%

2.1%

0.5%

Real estate

   

Loans (% of total)

NPA ratio

YTD NCO ratio

    5%

3.5%

1.9%

   13%

4.5%

3.1%

   4%

6.7%

5.1%

   <1%

0.4%

0.0%

   23%

4.6%

3.2%

Retail trade

   

Loans (% of total)

NPA ratio

YTD NCO ratio

    2%

3.0%

3.0%

   1%

5.4%

1.5%

   <1%

9.5%

NM

   <1%

3.0%

0.0%

   3%

3.9%

2.4%

Auto retailers

   

Loans (% of total)

NPA ratio

YTD NCO ratio

    3%

6.5%

7.2%

   1%

7.2%

0.3%

   <1%

0.0%

0.0%

   <1%

0.0%

0.0%

   4%

6.6%

5.8%

Wholesale trade

   

Loans (% of total)

NPA ratio

YTD NCO ratio

    4%

1.4%

0.5%

   1%

3.4%

4.0%

   <1%

2.0%

0.0%

   <1%

0.0%

0.0%

   5%

1.5%

0.8%

Other

   

Loans (% of total)

NPA ratio

YTD NCO ratio

    20%

2.0%

1.1%

   5%

2.5%

0.5%

   1%

1.4%

0.1%

   5%

0.5%

NM

   31%

1.8%

0.8%

Total

   

Loans (% of total)

NPA ratio

YTD NCO ratio

    58%

2.4%

1.4%

   25%

5.7%

2.5%

   10%

12.6%

6.2%

   7%

0.8%

NM

   100%

4.1%

2.1%

NPAs exclude loans held-for-sale

Note: Percentages may not sum due to rounding

 

13

LOGO

 

Total commercial loans ($49.4 billion)
          Florida   Michigan   Other   Total

Accommodation

   

Loans (% of total)

    <1%   <1%   1%   2%
  

NPA ratio

    1.8%   3.7%   2.5%   2.6%
  

YTD NCO ratio

    4.9%   2.6%   0.4%   1.6%

Auto manufacturing

   

Loans (% of total)

    <1%   1%   1%   1%
  

NPA ratio

    0.0%   0.0%   0.1%   0.1%
  

YTD NCO ratio

    0.0%   0.1%   1.5%   0.8%

Construction

   

Loans (% of total)

    1%   2%   7%   9%
  

NPA ratio

    28.0%   11.6%   16.0%   16.9%
  

YTD NCO ratio

    4.9%   7.0%   7.3%   7.0%

Finance & insurance

   

Loans (% of total)

    <1%   1%   6%   7%
  

NPA ratio

    2.2%   1.0%   0.9%   1.0%
  

YTD NCO ratio

    NM   0.1%   0.2%   0.1%

Manufacturing

   

Loans (% of total)

    <1%   2%   12%   14%
  

NPA ratio

    2.6%   1.4%   2.2%   2.1%
  

YTD NCO ratio

    NM   1.2%   0.3%   0.5%

Real estate

   

Loans (% of total)

    3%   6%   14%   23%
  

NPA ratio

    11.8%   4.1%   3.1%   4.6%
  

YTD NCO ratio

    11.9%   2.8%   1.2%   3.2%

Retail trade

   

Loans (% of total)

    <1%   1%   2%   3%
  

NPA ratio

    2.5%   5.3%   3.5%   3.9%
  

YTD NCO ratio

    3.5%   5.0%   1.3%   2.4%

Auto retailers

   

Loans (% of total)

    <1%   1%   3%   4%
  

NPA ratio

    6.8%   1.3%   7.6%   6.6%
  

YTD NCO ratio

    37.8%   2.2%   3.1%   5.8%

Wholesale trade

   

Loans (% of total)

    <1%   1%   4%   5%
  

NPA ratio

    0.7%   2.8%   1.4%   1.5%
  

YTD NCO ratio

    0.2%   2.5%   0.6%   0.8%

Other

   

Loans (% of total)

    2%   4%   25%   31%
  

NPA ratio

    0.8%   3.1%   1.7%   1.8%
  

YTD NCO ratio

    0.4%   1.9%   0.6%   0.8%

Total

   

Loans (% of total)

    9%   18%   73%   100%
  

NPA ratio

    9.1%   3.8%   3.6%   4.1%
  

YTD NCO ratio

    6.7%   2.6%   1.4%   2.1%

NPAs exclude loans held-for-sale

Note: Percentages may not sum due to rounding

 

14

Cautionary statement

 

This report may contain forward-looking statements about Fifth Third Bancorp and/or the LLC 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 to the financial condition, results of operations, plans, objectives, future performance and business of Fifth Third Bancorp and/or the combined LLC including statements preceded by, followed by or that include the words or phrases such as “believes,” “expects,” “anticipates,” “plans,” “trend,” “objective,” “continue,” “remain” or similar expressions or future or conditional verbs such as “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, and/or the LLC 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) maintaining capital requirements may limit Fifth Third’s operations and potential growth; (8) changes and trends in capital markets; (9) problems encountered by larger or similar financial institutions may adversely affect the banking industry and/or Fifth Third (10) competitive pressures among depository institutions increase significantly; (11) effects of critical accounting policies and judgments; (12) changes in accounting policies or procedures as may be required by the Financial Accounting Standards Board (FASB) or other regulatory agencies; (13) legislative or regulatory changes or actions, or significant litigation, adversely affect Fifth Third, and/or the LLC or the businesses in which these entities are engaged; (14) ability to maintain favorable ratings from rating agencies; (15) fluctuation of Fifth Third’s stock price; (16) ability to attract and retain key personnel; (17) ability to receive dividends from its subsidiaries; (18) potentially dilutive effect of future acquisitions on current shareholders’ ownership of Fifth Third; (19) effects of accounting or financial results of one or more acquired entities; (20) difficulties in separating the operations of the LLC; (21) lower than expected gains related to the sale of businesses; (22) loss of income from the sale of businesses that could have an adverse effect on Fifth Third’s earnings and future growth; (23) failure to consummate the joint venture transaction; (24) ability to secure confidential information through the use of computer systems and telecommunications networks; and (25) 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, 2008, filed with the United States Securities and Exchange Commission (SEC). Copies of this filing are available at no cost on the SEC’s Web site at www.sec.gov or on the Fifth Third’s Web site at www.53.com. Fifth Third undertakes no obligation to release revisions to these forward-looking statements or reflect events or circumstances after the date of this report.