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Cautionary statement
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.
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; (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.
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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