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©
Fifth Third Bank | All Rights Reserved
Cautionary statement
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 nationally 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) 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, 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, including the
Dodd-Frank Wall Street Reform and Consumer Protection Act; (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 from the separation of or the results of operations of Vantiv, LLC from Fifth Third; (21)
loss of income from any sale or potential sale of businesses that could have an adverse effect
on Fifth Third’s earnings and future growth; (22) ability to secure confidential information
and deliver products and services through the use of computer systems and telecommunications networks;
and (23) the impact of reputational risk created by these developments on such matters as
business generation and retention, funding and liquidity.
This report contains statements that we believe are “forward-looking statements” within
the meaning of Section 27A of the Securities Act of 1933, as amended, and Rule 175 promulgated
thereunder, and Section 21E of the Securities Exchange Act of 1934, as amended, and Rule
3b-6 promulgated thereunder. These statements relate to our financial condition, results of
operations, plans, objectives, future performance or business. They usually can be identified
by the use of forward-looking language such as “will likely result,” “may,” “are expected to,” “is
anticipated,” “estimate,” “forecast,” “projected,” “intends
to,” or may include other similar words or phrases such as “believes,” “plans,” “trend,”
“objective,” “continue,” “remain,” or similar expressions, or future or
conditional verbs such as “will,” “would,” “should,” “could,” “might,” “can,” or
similar verbs. You should not place undue reliance on these statements, as they are subject to risks
and uncertainties, including but not limited to the risk factors set forth in our most recent
Annual Report on Form 10-K. When considering these forward-looking statements, you should
keep in mind these risks and uncertainties, as well as any cautionary statements we may make.
Moreover, you should treat these statements as speaking only as of the date they are made and
based only on information then actually known to us.
You should refer to our periodic and current reports filed with the Securities and Exchange
Commission, or “SEC,” for further information on other factors, which could cause
actual results to be significantly different from those expressed or implied by these
forward-looking statements.
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