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13
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 and adequate sources of funding and
liquidity 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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