Fifth Third Bank 2011 Annual Report Download - page 154

152 Fifth Third Bancorp
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 10-K
ANNUAL REPORT PURSUANT TO SECTION 13 OR
15(d) OF THE SECURITIES EXCHANGE ACT OF 1934
For the fiscal year ended December 31, 2011
Commission file number 001-33653
Incorporated in the State of Ohio
I.R.S. Employer Identification No. 31-0854434
Address: 38 Fountain Square
Plaza Cincinnati, Ohio 45263
Telephone: [phone]
Securities registered pursuant to Section 12(b) of the Act:
Title of each class:
N
ame of each exchange
on which registered:
Common Stock, Without Par
Value
The NASDAQ Stock Market
LLC
8.5% Non-Cumulative Series G
Convertible Perpetual Preferred
Stock
The NASDAQ Stock Market
LLC
7.25% Trust Preferred Securities
of Fifth Third Capital Trust V
N
ew York Stock Exchange
7.25% Trust Preferred Securities
of Fifth Third Capital Trust VI
N
ew York Stock Exchange
Indicate by checkmark if the registrant is a well-known seasoned
issuer, as defined in Rule 405 of the Securities Act.
Yes:  No: 
Indicate by checkmark if the registrant is not required to file
reports pursuant to Section 13 or Section 15(d) of the Act. Yes: 
No: 
Indicate by check mark whether the registrant (1) has filed all
reports required to be filed by Section 13 or 15(d) of the
Securities Exchange Act of 1934 during the preceding 12 months
(or for such shorter period that the registrant was required to file
such reports), and (2) has been subject to such filing requirements
for the past 90 days. Yes:  No: 
Indicate by check mark whether the Registrant has submitted
electronically and posted on its corporate Web site, if any, every
Interactive Data File required to be submitted and posted pursuant
to Rule 405 of Regulation S-T (§232.405 of this chapter) during
the preceding 12 months (or for such shorter period that the
registrant was required to submit and post such files). Yes: 
No: 
Indicate by check mark if disclosure of delinquent filers pursuant
to Item 405 of Regulation S-K (§229.405 of this chapter) is not
contained herein, and will not be contained, to the best of
registrant’ s knowledge, in definitive proxy or information
statements incorporated by reference in Part III of this Form 10-K
or any amendment to this Form 10-K. 
Indicate by check mark whether the registrant is a large
accelerated filer, an accelerated filer, a non-accelerated filer, or a
smaller reporting company. See definitions of “large accelerated
filer,” “accelerated filer” and “smaller reporting company” in
Rule 12b-2 of the Exchange Act.
Large accelerated filer  Accelerated filer  Non-accelerated
filer  (Do not check if a smaller reporting company) Smaller
reporting company 
Indicate by check mark whether the registrant is a shell company
(as defined in Rule 12b-2 of the Act). Yes:  No: 
There were 919,882,874 shares of the Bancorp’ s Common Stock,
without par value, outstanding as of January 31, 2012. The
Aggregate Market Value of the Voting Stock held by non-
affiliates of the Bancorp was $11,457,012,955 as of June 30,
2011.
DOCUMENTS INCORPORATED BY REFERENCE
This report incorporates into a single document the requirements
of the U.S. Securities and Exchange Commission (SEC) with
respect to annual reports on Form 10-K and annual reports to
shareholders. The Bancorp’ s Proxy Statement for the 2012
Annual Meeting of Shareholders is incorporated by reference into
Part III of this report.
Only those sections of this 2011 Annual Report to Shareholders
that are specified in this Cross Reference Index constitute part of
the Registrant’ s Form 10-K for the year ended December 31,
2011. No other information contained in this 2011 Annual Report
to Shareholders shall be deemed to constitute any part of this
Form 10-K nor shall any such information be incorporated into
the Form 10-K and shall not be deemed “filed” as part of the
Registrant’ s Form 10-K.
10-K Cross Reference Index
PART I
Item 1. Business 17-19, 153-158
Employees 37
Segment Information 39-44, 148-151
Average Balance Sheets 33
Analysis of Net Interest Income and Net Interest
Income Changes 32-44
Investment Securities Portfolio 48-49, 89-90
Loan and Lease Portfolio 47-48, 91-92
Risk Elements of Loan and Lease Portfolio 53-67
Deposits 49-50
Return on Equity and Assets 15
Short-term Borrowings 50, 114
Item 1A. Risk Factors 25-31
Item 1B. Unresolved Staff Comments None
Item 2. Properties 159
Item 3. Legal Proceedings 121-122
Item 4. Mine Safety Disclosures N/A
Executive Officers of the Bancorp 159
PART II
Item 5.
Market for Registrant’ s Common Equity, Related
Stockholder Matters and Issuer Purchases of Equity
Securities 162
Item 6. Selected Financial Data 15
Item 7.
Management’ s Discussion and Analysis of Financial
Condition and Results of Operations 15-41, 73-74
Item 7A.
Quantitative and Qualitative Disclosures About Market
Risk 52-72
Item 8. Financial Statements and Supplementary Data 77-151
Item 9.
Changes in and Disagreements with Accountants on
Accounting and Financial Disclosure None
Item 9A. Controls and Procedures 75
Item 9B. Other Information None
PART III
Item 10.
Directors, Executive Officers and Corporate
Governance 162
Item 11. Executive Compensation 162
Item 12.
Security Ownership of Certain Beneficial Owners and
Management and Related Stockholder Matters 132-135, 162
Item 13.
Certain Relationships and Related Transactions, and
Director Independence 162
Item 14. Principal Accounting Fees and Services 162
PART IV
Item 15. Exhibits, Financial Statement Schedules 162-165
SIGNATURES 166