EX-99.1

Annual Meeting of Shareholders

April 16, 2013

Please refer to earnings release dated January 17, 2013

and 10-K dated February 22, 2013 for further information,

including full results reported on a U.S. GAAP basis.

Exhibit 99.1

A strong franchise with strong momentum

Return on avg. assets

Net charge-off ratio

Net income to common ($MM)

Generated highest level of net

income to common since 2005.

Improving profitability approaching

target for normalized environment.

Problem assets are at the lowest

levels in five years.

Tier 1 common ratio

Total payout ratio

ALLL / NPLs

Coverage levels more than adequate

to protect against potential losses.

Capital ratios continue to be strong

and grow to record levels.

Increased total payout to common

shareholders by 279% from 2011.

31%

63%

11%

Vantiv

Other

$511

$503

$1,094

$1,541

2009

2010

2011

2012

0.64%

0.67%

1.15%

1.34%

2009

2010

2011

2012

3.20%

3.02%

1.49%

0.85%

2009

2010

2011

2012

127%

179%

157%

180%

2009

2010

2011

2012

6.99%

7.48%

9.35%

9.51%

2009

2010

2011

2012

23%

21%

2009

2010

2011

2012

Dividends

Share Repurchase

Strong capital position and capital generation

supports ability to return capital to shareholders

2012 total payout yield (regional peers)

Increased common stock dividend 29%

and repurchased 5% of outstanding common stock

Nearly $1 billion in capital returned

to common shareholders

$175MM

Vantiv-related

repurchases

$475MM

repurchases

$325MM

dividends

$100

$200

$300

$400

$500

$600

$700

$800

$900

$1,000

2012

7.5%

7.4%

5.6%

5.3%

4.8%

3.4%

2.8%

2.7%

0.7%

0.6%

0.5%

0.2%

FITB

CMA

KEY

USB

HBAN

WFC

PNC

MTB

BBT

STI

COF

ZION

Total payout yield equals dividend yield plus shares repurchased ($) / reported market cap at 12/31/12

Right size for the times

Dodd-Frank Act

Basel III

Size / Complexity

Volcker Rule

European exposure

Traditional banking activities

Innovation

Local market knowledge & closer to customers

Efficient business models

Stronger returns

Trillionaires

Midsized banks

The new banking landscape leaves us with four

TRILLIONAIRE and several mid-sized banks

4Q12 Top US publicly traded banks and thrifts by assets (>$50B)

2,359

2,210

1,865

1,423

354

313

305

184

173

122

121

JPM

BAC

WFC

USB

COF

PNC

BBT

STI

FITB

KEY

MTB

CMA

HBAN

ZION

Strengthened deposit profile

and increased value proposition to customers

Deposit balances ($B)

$76.6

$86.2

Simplified deposit products

Deposit growth benefited

from focus on

full customer relationship

•

Straightforward, easy to use

accounts

•

Reduced complexity

•

Elimination of certain fees

•

Total relationship earns

better rates and lower costs

•

Compatible with Fifth Third’s

strategic direction and new

regulatory landscape

$64.1

$69.6

$78.0

$82.1

2009

2010

2011

2012

Transaction deposits

Other time deposits

Providing customers with products and services they find valuable

New products developed by listening to the voice of the customer

Customer oriented solutions

Accessibility

Choice

Convenience

•

Mobile app available

on iPhone, Android,

and BlackBerry

•

Deposit checks, view

balances, transfer

funds, pay bills, view

alerts, and more

•

1,325 banking centers

in 12 states

•

2,415 ATMs; ~40%

upgraded with image

capture capability

•

DUO: Combined credit

and debit card offers

convenience, security,

and financial flexibility

•

Access 360°: Reloadable

Prepaid Card

–

Add money anytime

without incurring a

"load fee“; low

monthly fee

–

Use card anywhere

Debit MasterCard®

accepted

Remote Currency Manager

•

Innovative, end-to-end

remote cash management

solution

•

Maximize cash flow while

boosting control over cash

handling

•

~7,000 RCM locations at

YE12; more than doubled

since 2009

Stress test results reflect lower risk of

traditional business model

*Federal Reserve projections through 4Q14 under the supervisory severely adverse scenario of the 2013 Comprehensive Capital Analysis & Review process.

Business model is strong today and under a severely stressed model

PPNR / Average assets under stress

Projected loan losses / Average loans

2012 PPNR / Average assets

2012 loan losses / Average loans

Stressed results through 4Q14 under 2013 CCAR*

2012 actual performance

3.2%

2.9%

2.7%

2.3%

2.1%

1.7%

1.5%

1.3%

1.2%

0.6%

COF

USB

WFC

BBT

FITB

PNC

KEY

STI

JPM

BAC

0.7%

0.9%

1.0%

1.1%

1.3%

1.6%

1.9%

2.2%

0.0%

0.5%

1.0%

1.5%

2.0%

2.5%

KEY

PNC

FITB

USB

WFC

BBT

JPM

STI

BAC

COF

6.7%

6.2%

4.2%

4.1%

3.3%

3.2%

3.0%

2.8%

2.6%

2.5%

2.0%

1.3%

COF

USB

FITB

BBT

WFC

PNC

KEY

STI

JPM

BAC

5.5%

5.8%

6.3%

6.4%

6.9%

7.1%

7.3%

7.6%

7.7%

9.2%

13.2%

10%

12%

14%

BBT

PNC

FITB

STI

BAC

USB

WFC

KEY

JPM

COF

Stress test results reflect lower risk of

traditional business model

Capital levels are strong today and under a severely stressed model

Tier 1 common

Tier 1 leverage

Projected minimum stressed capital ratios under 2013 CCAR*

Tier 1 common

Tier 1 leverage

2012 results

min.

12.7%

11.4%

11.1%

11.0%

10.8%

10.1%10.0%

9.6%

9.5%

9.3%

9.0%

10%

12%

14%

KEY

BAC

JPM

COF

WFC

STI

PNC

FITB

BBT

USB

11.4%

10.4%

10.1%

9.7%

9.5%

9.2%

8.9%

8.7%

8.2%

7.5%

7.4%

7.1%

10%

12%

KEY

PNC

FITB

WFC

USB

STI

COF

BBT

BAC

JPM

8.6%

8.2%

7.8%

7.5%

7.0%

6.9%

6.8%

6.7%

6.6%

6.0%

5.9%

5.6%

PNC

BBT

FITB

STI

KEY

COF

USB

BAC

WFC

JPM

8.6%

8.0%

7.2%

7.1%

6.9%

6.2%

6.0%

5.4%

5.2%

4.6%

4.1%

PNC

FITB

USB

BBT

KEY

STI

WFC

COF^

BAC

JPM

* Federal Reserve projections through 4Q14 under the supervisory severely adverse scenario of the 2013 Comprehensive Capital Analysis & Review process

including company proposed capital actions.

^ COF not subject to market risk rule.

2012 total return

(price appreciation plus dividends)

Source: Bloomberg, 12/31/11-12/31/12

Market recognizing Fifth Third’s progress

FITB +22%

S&P Banks Index +21%

S&P 500 Index +16%

10%

15%

20%

25%

30%

12/11

1/12

2/12

3/12

4/12

5/12

6/12

7/12

8/12

9/12

10/12

11/12

12/12

Well-positioned for success and leadership in new banking landscape

Key themes

Traditional

banking focus

consistent with

direction of

financial reform

Strong levels of

profitability

Broad-based

credit

improvements

Exceed fully

phased-in Basel

III capital

standards today

Well-established

franchise in key

markets

Organic growth

success

Continued

investments to

maintain and

enhance revenue-

generation

Disciplined

expense control

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.

Pre-tax pre-provision earnings*

PPNR trend

•Non-GAAP measure. See Reg. G reconciliation on pages 17 and 18.

•^ Prior quarters include similar adjustments.

^^ See Slide 16 for detailed breakout of credit-related items.

# 60% also excluding 4Q12 mortgage repurchase reserve build

•

PPNR of $616MM up 8% from 3Q12 levels and 30% from

prior year

•

Adjusted PPNR of $638MM, up 7% sequentially and 22%

year-over-year

—

Including 4Q12 mortgage repurchase reserve build

of $29MM in adjustments, related to new Freddie

Mac guidance, adjusted PPNR of $667MM

PPNR reconciliation

Efficiency ratio

($ in millions)

4Q11

1Q12

2Q12

3Q12

4Q12

Income before income taxes (U.S. GAAP) (a)

$418

$603

$565

$503

$540

Add: Provision expense (U.S. GAAP) (b)

PPNR (a) + (b)

$473

$694

$636

$568

$616

Adjustments to remove (benefit) / detriment^:

In noninterest income:

Gain from Vantiv IPO (1Q12) and sale of shares (4Q12)

(115)

(157)

Vantiv debt refinancing

Valuation of 2009 Visa total return swap

Vantiv warrant & puts

(10)

(46)

(56)

Valuation of bank premises moved to HFS

Litigation reserve additions in revenue

Sale of certain Fifth Third funds

(13)

Securities (gains) / losses

(5)

(9)

(3)

(2)

In noninterest expense:

Debt extinguishment (gains) / losses

134

Non-income tax related assessment resolution

(23)

Sale of certain Fifth Third funds

Termination of certain borrowing & hedging transactions

Severance expense

FDIC insurance expense

(9)

Gain on sale of affordable housing

(8)

(5)

Litigation reserve additions in expense

(1)

Adjusted PPNR

$522

$583

$593

$598

$638

Credit-related items^^:

In noninterest income

In noninterest expense

Credit-adjusted PPNR**

$599

$631

$650

$671

$719

522

583

593

598

638

$100

$200

$300

$400

$500

$600

$700

$800

4Q11

1Q12

2Q12

3Q12

4Q12

Noninterest Expense Credit Items

Fee Income Credit Items

Adjusted

PPNR $473 $694 $636 $568 $616

68%

64%

65%

62%

61%

4Q11

3Q12

4Q12

Efficiency Ratio

Adjusted

** There are limitations on the usefulness of credit-adjusted PPNR, including the significant degree to which changes in credit and fair value are integral, recurring components of the

Bancorp’s core operations as a financial institution. This measure has been included herein to facilitate a greater understanding of the Bancorp’s financial condition.

Credit-related costs

In noninterest income ($MM)

In noninterest expense ($MM)

Actual

($ in millions)

4Q11

1Q12

2Q12

3Q12

4Q12

Mortgage repurchase expense

$18

$15

$18

$36

$44

Provision for unfunded commitments

(6)

(2)

(1)

(2)

Derivative valuation adjustments

(5)

(4)

(0)

(2)

OREO expense

Other problem asset related expenses

Total credit-related operating expenses

$44

$34

$40

$59

$68

Actual

($ in millions)

4Q11

1Q12

2Q12

3Q12

4Q12

Gain / (loss) on sale of loans

Commercial loans HFS FV adjustment

(18)

(1)

(5)

(3)

Gain / (loss) on sale of OREO

properties

(22)

(17)

(19)

(11)

(10)

Mortgage repurchase costs

(1)

(2)

(3)

Total credit-related revenue impact

($33)

($14)

($17)

($14)

($13)

Note: Numbers may not sum due to rounding

Total credit-related costs

$77

$48

$57

$73

$81

$10

$15

$20

$25

$30

$35

4Q11

1Q12

2Q12

3Q12

4Q12

$10

$20

$30

$40

$50

$60

$70

$80

4Q11

1Q12

2Q12

3Q12

4Q12

Regulation G Non-GAAP reconciliation

Fifth Third Bancorp and Subsidiaries

Regulation G Non-GAAP Reconcilation

$ and shares in millions

(unaudited)

December

September

June

March

December

2012

2011

Income before income taxes (U.S. GAAP)

$540

$503

$565

$603

$418

Add:

Provision expense (U.S. GAAP)

Pre-provision net revenue (a)

616

568

636

694

473

Net income available to common shareholders (U.S. GAAP)

390

354

376

421

305

Add:

Intangible amortization, net of tax

Tangible net income available to common shareholders

392

356

378

424

308

Tangible net income available to common shareholders (annualized) (b)

1,559

1,416

1,520

1,705

1,222

Average Bancorp shareholders' equity (U.S. GAAP)

13,855

13,887

13,628

13,366

13,147

Less:

Average preferred stock

(398)

Average goodwill

(2,417)

Average intangible assets

(28)

(31)

(34)

(38)

(42)

Average tangible common equity (c)

11,012

11,041

10,779

10,513

10,290

Total Bancorp shareholders' equity (U.S. GAAP)

13,716

13,718

13,773

13,560

13,201

Less:

Preferred stock

(398)

Goodwill

(2,416)

(2,417)

Intangible assets

(27)

(30)

(33)

(36)

(40)

Tangible common equity, including unrealized gains / losses (d)

10,875

10,873

10,925

10,709

10,346

Less: Accumulated other comprehensive income / loss

(375)

(468)

(454)

(468)

(470)

Tangible common equity, excluding unrealized gains / losses (e)

10,500

10,405

10,471

10,241

9,876

Total assets (U.S. GAAP)

121,894

117,483

117,543

116,747

116,967

Less:

Goodwill

(2,416)

(2,417)

Intangible assets

(27)

(30)

(33)

(36)

(40)

Tangible assets, including unrealized gains / losses (f)

119,451

115,036

115,093

114,294

114,510

Less: Accumulated other comprehensive income / loss, before tax

(577)

(720)

(698)

(720)

(723)

Tangible assets, excluding unrealized gains / losses (g)

118,874

114,316

114,395

113,574

113,787

Common shares outstanding (h)

882

897

919

920

Net charge-offs (i)

147

156

181

220

239

Ratios:

Return on average tangible common equity (b) / (c)

14.1%

12.8%

14.1%

16.2%

11.9%

Tangible common equity (excluding unrealized gains/losses) (e) / (g)

8.83%

9.10%

9.15%

9.02%

8.68%

Tangible common equity (including unrealized gains/losses) (d) / (f)

9.10%

9.45%

9.49%

9.37%

9.04%

Tangible book value per share (d) / (h)

12.33

12.12

11.89

11.64

11.25

Pre-provision net revenue / net charge-offs (a) / (i)

419%

364%

351%

315%

198%

For the Three Months Ended

Regulation G Non-GAAP reconciliation

Fifth Third Bancorp and Subsidiaries

Regulation G Non-GAAP Reconcilation

$ and shares in millions

(unaudited)

December

September

June

March

December

2012

2011

Total Bancorp shareholders' equity (U.S. GAAP)

$13,716

$13,718

$13,773

$13,560

$13,201

Goodwill and certain other intangibles

(2,499)

(2,504)

(2,512)

(2,518)

(2,514)

Unrealized gains

(375)

(468)

(454)

(468)

(470)

Qualifying trust preferred securities

810

2,248

Other

Tier I capital

11,685

11,594

13,093

12,860

12,503

Less:

Preferred stock

(398)

Qualifying trust preferred securities

(810)

(2,248)

Qualifying noncontrolling interest in consolidated subsidiaries

(48)

(51)

(50)

Tier I common equity (a)

10,429

10,335

10,396

10,164

9,807

Risk-weighted assets, determined in accordance with

prescribed regulatory requirements (b)

109,699

106,858

106,398

105,412

104,945

Ratio:

Tier I common equity (a) / (b)

9.51%

9.67%

9.77%

9.64%

9.35%

Basel III - Estimates (Amounts in billions)

December

September

June

2012

Tier 1 common equity (Basel I)

$10.4

$10.3

$10.4

Add:

Adjustment related to AOCI for AFS securities

0.5

All other adjustments

Estimated Tier 1 common equity under Basel III rules (a)

$10.9

$10.8

$10.9

Estimated risk-weighted assets under Basel III rules (b)

123.7

120.3

119.4

Estimated Tier 1 common equity ratio under Basel III rules

8.8%

9.0%

9.2%

(a)

(b)

Tier 1 common equity under Basel III includes the unrealized gains and losses for AFS securities. Other adjustments include mortgage servicing rights and deferred tax assets subject to threshold

limitations and deferred tax liabilities related to intangible assets.

Key differences under Basel III in the calculation of risk-weighted assets compared to Basel I include: (1) Risk weighting for commitments under 1 year; (2) Higher risk weighting for exposures to

residential mortgage, home equity, past due loans, foreign banks and certain commercial real estate; (3) Higher risk weighting for mortgage servicing rights and deferred tax assets that are under

certain thresholds as a percent of Tier 1 capial; (4) Incremental capital requirements for stress VaR; and (5) Derivatives are differentiated between exchange clearing and over-the-counter and the

50% risk-weight cap is removed.

For the Three Months Ended