Fifth Third Bank 2012 Annual Report Download - page 165

`
163 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, 2012
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
Indicate by check mark if the registrant is a well-known seasoned
issuer, as defined in Rule 405 of the Securities Act.
Yes:  No: 
Indicate by check mark 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 875,281,580 shares of the Bancorp’ s Common Stock,
without par value, outstanding as of January 31, 2013. The
Aggregate Market Value of the Voting Stock held by non-
affiliates of the Bancorp was $12,248,353,562 as of June 30,
2012.
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 2013
Annual Meeting of Shareholders is incorporated by reference into
Part III of this report.
Only those sections of this 2012 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,
2012. No other information contained in this 2012 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 16-19, 164-169
Employees 40
Segment Information 42-48, 158-161
Average Balance Sheets 36
Analysis of Net Interest Income and Net Interest
Income Changes 35-48
Investment Securities Portfolio 52-53, 96-97
Loan and Lease Portfolio 51-52, 98-99
Risk Elements of Loan and Lease Portfolio 57-72
Deposits 53-54
Return on Equity and Assets 15
Short-term Borrowings 54-55, 121
Item 1A. Risk Factors 26-34
Item 1B. Unresolved Staff Comments None
Item 2. Properties 170
Item 3. Legal Proceedings 129-130
Item 4. Mine Safety Disclosures N/A
Executive Officers of the Bancorp 170
PART II
Item 5.
Market for Registrant’ s Common Equity, Related
Stockholder Matters and Issuer Purchases of Equity
Securities 171
Item 6. Selected Financial Data 15
Item 7.
Management’ s Discussion and Analysis of Financial
Condition and Results of Operations 15-80
Item 7A.
Quantitative and Qualitative Disclosures About Market
Risk 72-75
Item 8. Financial Statements and Supplementary Data 83-162
Item 9.
Changes in and Disagreements with Accountants on
Accounting and Financial Disclosure None
Item 9A. Controls and Procedures 81
Item 9B. Other Information None
PART III
Item 10.
Directors, Executive Officers and Corporate
Governance 173
Item 11. Executive Compensation 173
Item 12.
Security Ownership of Certain Beneficial Owners and
Management and Related Stockholder Matters 140-143, 173
Item 13.
Certain Relationships and Related Transactions, and
Director Independence 173
Item 14. Principal Accounting Fees and Services 173
PART IV
Item 15. Exhibits, Financial Statement Schedules 173-176
SIGNATURES 177