10. Total commercial loans ($52.4 billion)
Florida Michigan Other Total
Loans (% of total) 5% 5% 13% 24%
Other non-owner
NPA ratio 17.7% 13.2% 5.3% 9.7%
occupied RE
YTD NCO ratio 6.1% 6.4% 1.1% 3.5%
Loans (% of total) 2% 4% 8% 13%
Owner-occupied RE
NPA ratio 3.2% 4.8% 2.0% 3.0%
YTD NCO ratio 0.4% 1.6% 0.5% 0.8%
Loans (% of total) 4% 9% 43% 56%
C&I
NPA ratio 4.2% 2.3% 1.6% 1.9%
YTD NCO ratio 3.0% 1.0% 1.0% 1.1%
Loans (% of total) <1% <1% 7% 7%
Commercial lease
NPA ratio 0.0% 4.2% 0.4% 0.6%
YTD NCO ratio 0.0% 0.1% 0.1% 0.1%
Loans (% of total) <1% <1% <1% <1%
Other
NPA ratio 0.0% 0.0% 0.0% 0.0%
YTD NCO ratio 0.0% 0.0% nm nm
Loans (% of total) 10% 19% 71% 100%
Total
NPA ratio 10.7% 5.9% 2.2% 3.8%
YTD NCO ratio 4.2% 2.7% 0.9% 1.6%
Loans (% of total) 4% 9% 43% 56%
C&I
NPA ratio 4.2% 2.3% 1.6% 1.9%
YTD NCO ratio 3.0% 1.0% 1.0% 1.1%
Loans (% of total) 4% 7% 14% 26%
Commercial mortgage
NPA ratio 13.0% 6.8% 2.9% 5.6%
YTD NCO ratio 4.0% 1.9% 0.6% 1.6%
Commercial construction Loans (% of total) 2% 2% 7% 11%
NPA ratio 15.9% 19.8% 6.5% 11.0%
YTD NCO ratio 5.8% 12.6% 1.7% 4.8%
Loans (% of total) <1% <1% 7% 7%
Commercial lease
NPA ratio 0.0% 4.2% 0.4% 0.6%
YTD NCO ratio 0.0% 0.1% 0.1% 0.1%
Loans (% of total) <1% <1% <1% <1%
Other
NPA ratio 0.0% 0.0% 0.0% 0.0%
YTD NCO ratio 0.0% 0.0% nm nm
Loans (% of total) 10% 19% 71% 100%
Total
NPA ratio 10.7% 5.9% 2.2% 3.8%
YTD NCO ratio 4.2% 2.7% 0.9% 1.6%
Loans (% of total) 2% 1% 3% 6%
Homebuilders /
NPA ratio 36.7% 31.5% 11.3% 22.9%
developers (included in
YTD NCO ratio 14.1% 20.1% 3.3% 10.7%
#'s above)
10
11. Total commercial loans ($52.4 billion)
Commercial Commercial
C&I mortgage construction Other Total
Loans (% of total) <1% 14% 9% <1% 24%
Other non-owner
NPA ratio 0.0% 7.8% 12.4% 0.0% 9.7%
occupied RE
YTD NCO ratio 0.0% 2.2% 5.4% 0.0% 3.5%
Loans (% of total) <1% 11% 2% <1% 13%
Owner-occupied RE
NPA ratio 0.0% 2.7% 4.2% 0.0% 3.0%
YTD NCO ratio 0.0% 0.6% 1.8% 0.0% 0.8%
Loans (% of total) 56% <1% <1% <1% 56%
C&I
NPA ratio 1.9% 0.0% 0.0% 0.0% 1.9%
YTD NCO ratio 1.1% 0.0% 0.0% 0.0% 1.1%
Loans (% of total) <1% <1% <1% 7% 7%
Commercial lease
NPA ratio 0.0% 0.0% 0.0% 0.6% 0.6%
YTD NCO ratio 0.0% 0.0% 0.0% 0.1% 0.1%
Loans (% of total) nm <1% <1% nm <1%
Other
NPA ratio 0.0% 0.0% 0.0% 0.0% 0.0%
YTD NCO ratio 0.0% nm nm 1.1% nm
Loans (% of total) 56% 26% 11% 7% 100%
Total
NPA ratio 1.9% 5.6% 11.0% 1.2% 3.8%
YTD NCO ratio 1.1% 1.6% 4.8% 0.0% 1.6%
Loans (% of total) <1% 2% 3% <1% 6%
Homebuilders /
NPA ratio 21.3% 25.4% 21.2% 0.0% 22.9%
developers (included in
YTD NCO ratio 4.9% 10.5% 11.7% 4.2% 10.7%
#'s above)
11
12. Total commercial loans ($52.4 billion)
Residential Residential Commercial
Residential developed vertical Commercial developed
raw land land land raw land land Other Total
Loans (% of total) 2% 2% 4% 1% 1% 14% 24%
Other non-owner
NPA ratio 22.7% 25.5% 14.0% 14.5% 11.3% 4.5% 9.7%
occupied RE
YTD NCO ratio 12.6% 11.9% 3.8% 2.0% 5.5% 1.2% 3.5%
Loans (% of total) <1% <1% <1% <1% <1% 13% 13%
Owner-occupied RE
NPA ratio 0.0% 80.5% 11.3% 0.0% 1.2% 2.6% 3.0%
YTD NCO ratio 0.0% 275.1% 3.9% 0.0% 0.0% 0.5% 0.8%
Loans (% of total) <1% <1% 1% <1% <1% 54% 56%
C&I
NPA ratio 2.1% 8.9% 6.8% 3.2% 3.3% 1.8% 1.9%
YTD NCO ratio 1.5% 0.0% 1.7% 0.4% 0.0% 1.1% 1.1%
Loans (% of total) <1% <1% <1% <1% <1% 7% 7%
Commercial lease
NPA ratio 0.0% 0.0% 0.0% 0.0% 0.0% 0.6% 0.6%
YTD NCO ratio 0.0% 0.0% 0.0% 0.0% 0.0% 0.1% 0.1%
Loans (% of total) <1% <1% <1% <1% <1% <1% <1%
Other
NPA ratio 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0%
YTD NCO ratio 0.0% 0.0% 0.0% 0.0% 0.0% nm nm
Loans (% of total) 2% 2% 5% 2% 1% 89% 100%
Total
NPA ratio 21.8% 25.4% 12.3% 12.5% 10.1% 2.3% 3.8%
YTD NCO ratio 12.0% 12.8% 3.3% 1.7% 4.9% 1.0% 1.6%
Loans (% of total) <1% 1% 1% <1% <1% 7% 10%
Florida
NPA ratio 21.0% 43.4% 14.2% 24.4% 16.8% 5.2% 10.7%
YTD NCO ratio 11.0% 21.8% 1.7% 2.5% 7.1% 2.2% 4.2%
Loans (% of total) 1% <1% 1% <1% <1% 17% 19%
Michigan
NPA ratio 30.7% 28.8% 19.4% 19.0% 19.6% 3.6% 5.9%
YTD NCO ratio 23.1% 16.5% 8.9% 3.5% 14.7% 1.1% 2.7%
Loans (% of total) 1% 1% 3% 1% 1% 65% 71%
Other
NPA ratio 16.6% 8.7% 9.1% 5.7% 4.4% 1.6% 2.2%
YTD NCO ratio 5.7% 1.8% 1.4% 0.8% 1.4% 0.7% 0.9%
Loans (% of total) 2% 2% 5% 2% 1% 89% 100%
Total
NPA ratio 21.8% 25.4% 12.3% 12.5% 10.1% 2.3% 3.8%
YTD NCO ratio 12.0% 12.8% 3.3% 1.7% 4.9% 1.0% 1.6%
Loans (% of total) 2% 2% 2% <1% <1% <1% 6%
Homebuilders /
NPA ratio 23.6% 24.7% 17.6% 0.0% 0.0% 35.6% 22.9%
developers (included in
YTD NCO ratio 12.0% 13.2% 5.1% 0.0% 0.0% 16.2% 10.7%
#'s above)
12
13. Total commercial loans ($52.4 billion)
Commercial Commercial
C&I mortgage construction Other Total
Loans (% of total) 1% 1% <1% <1% 2%
Accommodation
NPA ratio 3.2% 6.0% 33.8% 0.0% 5.6%
YTD NCO ratio 0.8% 0.3% 4.3% 0.0% 0.7%
Loans (% of total) 1% <1% <1% <1% 1%
Auto manufacturing
NPA ratio 0.3% 10.3% 0.0% 0.9% 0.8%
YTD NCO ratio 0.0% 0.0% 0.0% 0.6% 0.0%
Loans (% of total) 3% 3% 5% <1% 11%
Construction
NPA ratio 7.3% 14.2% 17.4% 8.5% 13.7%
YTD NCO ratio 3.3% 4.6% 8.6% 0.0% 5.9%
Loans (% of total) 6% <1% <1% <1% 7%
Finance & insurance
NPA ratio 0.8% 2.6% 0.0% 0.0% 0.8%
YTD NCO ratio 0.7% nm 0.0% 0.0% 0.6%
Loans (% of total) 11% 1% <1% 1% 13%
Manufacturing
NPA ratio 1.5% 2.4% 0.0% 1.5% 1.6%
YTD NCO ratio 0.4% 2.0% 0.0% 1.2% 0.6%
Loans (% of total) 5% 14% 5% <1% 24%
Real estate
NPA ratio 2.7% 5.6% 6.5% 0.1% 5.1%
YTD NCO ratio 0.8% 1.6% 2.7% 0.1% 1.6%
Loans (% of total) 2% 1% <1% <1% 3%
Retail trade
NPA ratio 3.3% 4.5% 6.3% 3.5% 3.7%
YTD NCO ratio 0.9% 0.5% 0.8% 0.0% 0.7%
Loans (% of total) 3% 1% <1% <1% 4%
Auto retailers
NPA ratio 2.8% 0.6% 0.0% 0.0% 2.3%
YTD NCO ratio 1.1% 0.2% 0.0% 0.0% 0.9%
Loans (% of total) 4% <1% <1% <1% 5%
Wholesale trade
NPA ratio 0.7% 0.7% 36.1% 0.0% 0.9%
YTD NCO ratio 0.9% 0.0% 0.0% 0.0% 0.7%
Loans (% of total) 19% 5% 1% 5% 29%
Other
NPA ratio 1.1% 2.6% 3.2% 0.8% 1.4%
YTD NCO ratio 1.5% 0.8% 1.0% nm 1.1%
Loans (% of total) 56% 26% 11% 7% 100%
Total
NPA ratio 1.9% 5.6% 11.0% 1.2% 3.8%
YTD NCO ratio 1.1% 1.6% 4.8% 0.0% 1.6%
13
14. Total commercial loans ($52.4 billion)
Florida Michigan Other Total
Loans (% of total) <1% <1% 1% 2%
Accommodation
NPA ratio 12.2% 3.6% 4.0% 5.6%
YTD NCO ratio 0.4% 0.9% 0.8% 0.7%
Loans (% of total) <1% 1% 1% 1%
Auto manufacturing
NPA ratio 0.0% 0.4% 1.0% 0.8%
YTD NCO ratio 0.0% nm 0.1% 0.0%
Loans (% of total) 2% 2% 7% 11%
Construction
NPA ratio 23.2% 20.5% 9.3% 13.7%
YTD NCO ratio 7.8% 12.6% 2.8% 5.9%
Loans (% of total) <1% 1% 5% 7%
Finance & insurance
NPA ratio 0.0% 0.3% 1.0% 0.8%
YTD NCO ratio 1.9% 1.1% 0.4% 0.6%
Loans (% of total) <1% 2% 11% 13%
Manufacturing
NPA ratio 2.6% 2.2% 1.4% 1.6%
YTD NCO ratio 0.1% 0.7% 0.5% 0.6%
Loans (% of total) 4% 7% 13% 24%
Real estate
NPA ratio 13.2% 6.5% 1.9% 5.1%
YTD NCO ratio 5.4% 1.9% 0.2% 1.6%
Loans (% of total) <1% 1% 2% 3%
Retail trade
NPA ratio 3.2% 4.0% 3.7% 3.7%
YTD NCO ratio 0.3% 0.8% 0.8% 0.7%
Loans (% of total) <1% 1% 3% 4%
Auto retailers
NPA ratio 2.4% 1.9% 2.4% 2.3%
YTD NCO ratio 2.0% 0.6% 0.9% 0.9%
Loans (% of total) <1% 1% 4% 5%
Wholesale trade
NPA ratio 0.0% 0.6% 1.0% 0.9%
YTD NCO ratio 1.1% 0.3% 0.8% 0.7%
Loans (% of total) 2% 4% 23% 29%
Other
NPA ratio 2.6% 3.1% 1.0% 1.4%
YTD NCO ratio 2.1% 1.2% 1.0% 1.1%
Loans (% of total) 10% 19% 71% 100%
Total
NPA ratio 10.7% 5.9% 2.2% 3.8%
YTD NCO ratio 4.2% 2.7% 0.9% 1.6%
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15. Cautionary Statement
This report may contain forward-looking statements about Fifth Third Bancorp within the meaning of Sections 27A of the Securities Act of
1933, as amended, and Rule 175 promulgated thereunder, and 21E of the Securities Exchange Act of 1934, as amended, and Rule 3b-6
promulgated thereunder, that involve inherent risks and uncertainties. This report may contain certain forward-looking statements with
respect to the financial condition, results of operations, plans, objectives, future performance and business of Fifth Third Bancorp including
statements preceded by, followed by or that include the words or phrases such as “believes,” “expects,” “anticipates,” “plans,” “trend,”
“objective,” “continue,” “remain” or similar expressions or future or conditional verbs such as “will,” “would,” “should,” “could,” “might,” “can,”
“may” or similar expressions. 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 national or in the states in which Fifth Third,
does 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) changes and trends in capital markets; (8) competitive pressures
among depository institutions increase significantly; (9) effects of critical accounting policies and judgments; (10) changes in accounting
policies or procedures as may be required by the Financial Accounting Standards Board or other regulatory agencies; (11) legislative or
regulatory changes or actions, or significant litigation, adversely affect Fifth Third, or the businesses in which Fifth Third, one is engaged; (12)
ability to maintain favorable ratings from rating agencies; (13) fluctuation of Fifth Third’s stock price; (14) ability to attract and retain key
personnel; (15) ability to receive dividends from its subsidiaries; (16) potentially dilutive effect of future acquisitions on current shareholders'
ownership of Fifth Third; (17) effects of accounting or financial results of one or more acquired entities; (18) difficulties in combining the
operations of acquired entities; (19) inability to generate the gains on sale and related increase in shareholders’ equity that it anticipates from
the sale of certain non-core businesses, (20) loss of income from the sale of certain non-core businesses could have an adverse effect on
Fifth Third’s earnings and future growth (21) ability to secure confidential information through the use of computer systems and
telecommunications networks; and (22) the impact of reputational risk created by these developments on such matters as business
generation and retention, funding and liquidity. Additional information concerning factors that could cause actual results to differ materially
from those expressed or implied in the forward-looking statements is available in the Bancorp's Annual Report on Form 10-K for the year
ended December 31, 2007, filed with the United States Securities and Exchange Commission (SEC). Copies of this filing are available at no
cost on the SEC's Web site at www.sec.gov or on the Fifth Third’s Web site at www.53.com. Fifth Third undertakes no obligation to release
revisions to these forward-looking statements or reflect events or circumstances after the date of this report.
15