Financial Astrology of Fifth Third Bancorp

FINANCIAL ASTROLOGY

First Trade Date for Fifth Third Bancorp

Company Name	First Trade Date (yyyy-mm-dd)
Fifth Third Bancorp	1990-03-26

Company Name	Symbol
Fifth Third Bancorp	FITB
History and Business of Company (this information may include date of incorporation)
Fifth Third Bancorp (the "Registrant") is an Ohio corporation organized in 1975 and is a bank holding company under the Bank Holding Company Act of 1956, as amended (the "BHCA"), and subject to regulation by the Board of Governors of the Federal Reserve System ("FRB"). The Registrant, with its principal office located in Cincinnati, is a bank holding company as defined in the BHCA and is registered as such with the FRB. At December 31, 2003, the Registrant's wholly-owned second tier holding company, Fifth Third Financial Corporation, had six wholly-owned direct subsidiaries: Fifth Third Bank; Fifth Third Bank (Michigan); Fifth Third Community Development Corporation; Fifth Third Investment Company; Old Kent Capital Trust I and Fifth Third Reinsurance Company, LTD. In December of 2003, the Registrant completed the merger of its Fifth Third Bank, Kentucky, Inc., Fifth Third Bank, Northern Kentucky, Inc., Fifth Third Bank, Indiana and Fifth Third Bank, Florida subsidiary banks with and into Fifth Third Bank (Michigan). Although these mergers changed the legal structure of the subsidiary banks, there were no significant changes to the Registrant's affiliate structure or operating model. At December 31, 2003, the Registrant, its affiliated banks and other subsidiaries had consolidated total assets of approximately $91.1 billion, consolidated total deposits of approximately $57.1 billion and consolidated total shareholders' equity of approximately $8.5 billion. The Registrant, through its subsidiaries, engages primarily in commercial and retail banking, electronic payment processing services and investment advisory services. Direct subsidiaries of the Registrant's subsidiary banks include: The Fifth Third Company; Fifth Third Leasing Company; Fifth Third International Company; Fifth Third Holdings, LLC; Fifth Third Securities, Inc.; Fifth Third Real Estate Capital Markets Company; Fifth Third Mortgage Company; Fifth Third Mortgage Insurance Reinsurance Company; Fifth Third Insurance Agency, Inc.; Old Kent Investment Corporation; Home Equity of America, Inc.; Fifth Third Asset Management, Inc.; Old Kent Mortgage Services, Inc. and GNB Management, LLC. Refer to Exhibit 21 attached to this document for a list of all the subsidiaries of the Registrant. The Registrant's subsidiaries provide a wide range of financial products and services to the retail, commercial, financial, governmental, educational and medical sectors, including a wide variety of checking, savings and money market accounts, and credit products such as credit cards, installment loans, mortgage loans and leasing. Each of the banking subsidiaries has deposit insurance provided by the Federal Deposit Insurance Corporation ("FDIC") through the Bank Insurance Fund ("BIF") and/or the Savings Association Insurance Fund ("SAIF"). Fifth Third Processing Solutions, the Registrant's electronic payment processing division, operates for itself and other financial institutions, a proprietary automated teller machine ("ATM") and Point of Sale ("POS") network, Jeanie(r) and provides electronic fund transfers, ATM processing, electronic personal banking, merchant transaction processing, electronic bill payment and electronic benefit transfer services for thousands of regional banks, bank holding companies, service retailers and other financial institutions throughout the United States. The Registrant's banking subsidiaries participate in several regional shared ATM networks including "NYCE(r)," "Pulse(r)," and "Star(r)." The Registrant's banking subsidiaries also participate in "Cirrus(r)," and "Plus System(r)," which are international ATM networks. The Registrant handled 9.0 billion ATM, POS and e-commerce transactions in 2003. Additional information regarding the Registrant's businesses is included in the Management Editorial (pages 6 through 15) in the Registrant's 2003 Annual Report to Shareholders and is incorporated herein by reference and attached to this filing as Exhibit 13. The Registrant has completed a number of mergers and acquisitions over the years involving financial institutions throughout Ohio, Indiana, Kentucky, Michigan, Wisconsin, and Florida. On July 23, 2002, the Registrant entered into an agreement to acquire Franklin Financial Corporation and its subsidiary, Franklin National Bank, headquartered in Franklin, Tennessee. The transaction is structured as a tax-free exchange of stock for a total transaction value of approximately $310 million. The transaction is subject to the approval of Franklin Financial Corporation shareholders. Pursuant to the Affiliation Agreement, as amended, with Franklin Financial Corporation, the transaction must be consummated by June 30, 2004. The Affiliation Agreement and its Amendments are included as exhibits 99.2, 99.3, 99.4 and 99.5 and are incorporated herein by reference. The transaction is also subject to regulatory approvals. See "Business - Regulation and Supervision - The Registrant - The BHCA - Acquisitions and Permissible Activities" on pages 5 and 6 for a discussion of additional regulatory restrictions on acquisitions. The Registrant's strategy for growth includes strengthening its presence in core markets, expanding into contiguous markets and broadening its product offerings while taking into account the integration and other risks of growth. When permitted by the Federal Reserve Bank of Cleveland and the Division, the Registrant will evaluate strategic acquisition opportunities and conduct due diligence activities in connection with possible transactions. As a result, discussions, and in some cases, negotiations may take place and future acquisitions involving cash, debt or equity securities may occur. These typically involve the payment of a premium over book value and current market price, and therefore, some dilution of book value and net income per share may occur with any future transactions. Additional information, with respect to acquisitions, is included in Note 27 and Note 28 (pages 41 and 42) of the Notes to Consolidated Financial Statements in the Registrant's 2003 Annual Report to Shareholders, and is incorporated herein by reference and attached to this filing as Exhibit 13.

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