Exhibit 12.1

Fifth Third Bancorp

Computations of Consolidated Ratios of Earnings to Fixed Charges

($ In Millions)

	Three Months Ended 9/30/2012		Nine Months Ended 9/30/2012
Excluding Interest on Deposits:
Fixed Charges:
Interest Expense (excluding interest on deposits)	$	68	$	230
One-Third of Rents, Net of Income from Subleases		7		21
Total Fixed Charges	$	75	$	251
Earnings:
Income Before Income Taxes	$	503	$	1,670
Fixed Charges		75		251
Total Earnings	$	578	$	1,921
Ratio of Earnings to Fixed Charges, Excluding Interest On Deposits		7.71x		7.65x
Including Interest on Deposits:
Fixed Charges:
Interest Expense	$	120	$	395
One-Third of Rents, Net of Income from Subleases		7		21
Total Fixed Charges	$	127	$	416
Earnings:
Income Before Income Taxes	$	503	$	1,670
Fixed Charges		127		416
Total Earnings	$	630	$	2,086
Ratio of Earnings to Fixed Charges, Including Interest On Deposits		4.96x		5.01x