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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
Fifth Third’s investment in, relationship with, and nature of the
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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