Slide 1: 4Q08 Trends
Exhibit 99.4 4Q08 Trends January 22, 2009 Please refer to earnings release dated January 22, 2009 for full results reported on a GAAP basis Fifth Third Bank | All Rights Reserved
Slide 2: 4Q08 in review
4Q08 in review Difficult quarter due to continued deterioration in credit and significant non-recurring items — 4Q08 net loss of $2.2 billion, or $3.82 per diluted share; full year net loss of $2.2 billion or $3.94 per diluted share — Sold or transferred to held-for-sale $1.6 billion in original loa
Slide 3: Net interest income
Net interest income 4.00% $900 3.80% $850 3.60% $800 3.40% $750 3.20% 3.00% $700 2.80% $650 2.60% $600 2.40% $550 2.20% 2.00% $500 4Q07 1Q08 2Q08* 3Q08* 4Q08* Net interest income NIM * 4Q08 reported results: 14% year-over-year growth and 3.46% NIM. Results above exclude $130 million charge related t
Slide 4: Fee income
Fee income $900 Growth rate: 4% YOY $800 growth $700 Payment +3% $600 processing $500 Deposit service +2% $400 charges $300 Investment -17% advisory $200 Corporate +14% banking $100 Secs/other NM Mortgage $0 NM 4Q07 1Q08 2Q08 3Q08 4Q08 Continued growth in processing, deposit fees and corporate banki
Slide 5: Fifth Third Processing Solutions
Fifth Third Processing Solutions 2-Yr YOY 4Q08 revenue $250 CAGR growth $200 +10% 0% Financial $150 Merchant Institutions Services 35% +14% +7% 38% $100 Bankcard $50 +5% +4% 27% $0 4Q06 1Q07 2Q07 3Q07 4Q07 1Q08 2Q08 3Q08 4Q08 Financial Institutions Bankcard Merchant Services Merchant Services Financ
Slide 6: Corporate banking
Corporate banking International 2-Yr YOY • Letters of credit $120 CAGR growth • Foreign exchange +19% +6% $90 Derivatives +25% -3% • Customer interest rate derivatives $60 +12% +10% Capital markets lending fees • Institutional Sales $30 +27% +32% • Asset securitization/conduit fees • Loan/lease synd
Slide 7: Credit by portfolio
Credit by portfolio* Commercial Commercial Commercial Total Residential Other Total Total loans & ($ in millions) C&I mortgage construction lease commercial mortgage Home equity Auto Credit card consumer consumer leases Loan balances $29,197 $12,502 $5,114 $3,666 $50,479 $9,385 $12,752 $8,594 $1,811
Slide 8: Non-performing assets and net charge-offs: Product view
Non-performing assets and net charge-offs: Product view* Total NPAs Total NCOs 3,000,000 900,000 2,500,000 800,000 700,000 2,000,000 600,000 500,000 1,500,000 400,000 1,000,000 300,000 200,000 500,000 100,000 0 0 Q4 2007 Q1 2008 Q2 2008 Q3 2008 Q4 2008 Q4 2007 Q1 2008 Q2 2008 Q3 2008 Q4 2008 C&I/Lea
Slide 9: Non-performing assets and net charge-offs: Geographic view
Non-performing assets and net charge-offs: Geographic view* Total NPAs Total NCOs 3,000,000 900,000 800,000 2,500,000 700,000 2,000,000 600,000 500,000 1,500,000 400,000 1,000,000 300,000 200,000 500,000 100,000 - - Q4 2007 Q1 2008 Q2 2008 3Q 2008 4Q 2008 Q4 2007 Q1 2008 Q2 2008 Q3 2008 Q4 2008 Othe
Slide 10: Portfolio actions
Portfolio actions 9/30/2008 Total Current Loans identified where sale value Contractual carrying 4Q08 carrying believed to exceed work out value ($ in millions) balance value charge-offs value Sold 240 177 120 - Portfolio actions reduced risk of further Moved to held-for-sale 1,370 1,165 680 473 los
Slide 11: Portfolio performance drivers
Portfolio performance drivers* No Participation In Performance Largely Driven By Subprime Geography: Option ARMs Florida, Michigan most stressed 4Q08 C/O ratio: Total loan portfolio 5.27% Commercial portfolio 6.18% Consumer portfolio 3.93% Discontinued or Suspended Lending Remaining Midwest, Southea
Slide 12: Loss mitigation activities
Loss mitigation activities Reset policies and guidelines — Eliminated all brokered home equity production — Significantly tightened underwriting limits and exception authorities — Further restrictions on consumer guidelines for weaker geographies — Suspended all new residential development lending a
Slide 13: Strong capital position
Strong capital position • Capital plan and targets designed to help ensure strong capital levels, positioning Fifth Third to absorb significant potential losses and provisions in a potentially more difficult environment through 2009 • Revised capital targets in June 2008 in order to provide greater
Slide 14: Active management of liquidity profile
Active management of liquidity profile Stable Funding Highlights Long Term Debt Demand Fifth Third remains heavily core funded 11% 13% Flexibility and liquidity further enhanced by Equity Interest 10% Checking — Dividend reductions 12% Other — Large capital raise further bolstered liabilities Holdin
Slide 15: Strong holding company liquidity profile
Strong holding company liquidity profile Holding Company Unsecured Debt Maturities Highlights 6000 4956 Current holding company cash position 5000 through 1Q10 4000 3000 Sufficient to: 2000 — Satisfy all fixed obligations over the Fifth Third Capital Trust next twenty-four months (debt 1000 750 matu
Slide 16: Strong bank liquidity profile
Strong bank liquidity profile Bank Unsecured Debt Maturities Highlights 6000 5287 Current unused borrowing capacity under 5000 secured facilities sufficient to fund all 4000 unsecured maturities for over five years 3000 — Assumes no access to capital markets 2000 1639 Active management to maintain a
Slide 17: Fifth Third debt ratings
Fifth Third debt ratings* Fifth Third Bancorp Fifth Third Bank (OH, MI) Short- Rating Current Senior term LT Deposit Senior Short-term Date# Outlook Moody’s A1 P-1 Aa3 Aa3 P-1 9/18/08 Negative S&P A- A-2 A A A-1 12/19/08 Negative Fitch A F1 A+ A F1 10/24/08 Negative DBRS AA (low) R-1M AA AA R-1H 3/1
Slide 18: Fifth Third debt ratings
Fifth Third debt ratings Lead Bank Long-Term Issuer Rating Moody's S&P Fitch DBRS JPMorgan Chase (JPMorgan Chase Bank NA) Aa1 AA- AA- AAL Wells Fargo (Wells Fargo Bank NA) Aa1 AA+ AA AAH US Bank (US Bank NA North Dakota) Aa1 AA+ AA- NR Bank of America (Bank America America NA) Aa2 AA- A+ AAL BB&T (B
Slide 19: Appendix
Appendix 19 Fifth Third Bank | All Rights Reserved
Slide 20: Nonperforming assets
Other Nonperforming assets* $66M 3% C&I* • Total NPAs of $2.5B $570M 23% • Homebuilder/developer NPAs of $366 M; represent 15% of total NPAs CRE $902M • Commercial NPAs of $1.5B; down 26 percent 36% from the third quarter • Consumer NPAs of $1.0B; recent growth Residential driven by residential real
Slide 21: Commercial construction
Commercial construction* Credit trends Loans by geography FL MI Commercial construction 17% 16% ($ in millions) 4Q07 1Q08 2Q08 3Q08 4Q08 Balance $5,561 $5,592 $6,007 $6,002 $5,114 Other 90+ days delinquent $67 $49 $53 $84 $73 2% 90+ days ratio 1.21% 0.87% 0.88% 1.40% 1.44% NC NPAs $257 $418 $552 $65
Slide 22: Homebuilders/developers
Homebuilders/developers* Credit trends Loans by geography FL MI Homebuilders/developers 19% 18% ($ in millions) 4Q07 1Q08 2Q08* 3Q08 4Q08 Balance $2,868 $2,705 $3,295 $3,065 $2,481 90+ days delinquent $57 $60 $123 $105 $74 90+ days ratio 1.99% 2.21% 3.73% 3.41% 2.98% Other 5% NPAs $176 $309 $547 $70
Slide 23: Residential mortgage
Residential mortgage Credit trends Loans by geography MI Residential mortgage FL 14% 29% ($ in millions) 4Q07 1Q08 2Q08 3Q08 4Q08 Balance $10,540 $9,873 $9,866 $9,351 $9,385 90+ days delinquent $186 $192 $229 $185 $198 90+ days ratio 1.76% 1.95% 2.32% 1.98% 2.11% OH NPAs $216 $333 $448 $593 $719 22%
Slide 24: Home equity
Home equity Credit trends Brokered loans by geography Direct loans by geography FL FL Home equity - brokered 3% MI Other 9% ($ in millions) 4Q07 1Q08 2Q08 3Q08 4Q08 MI 20% 1% 22% Balance $2,713 $2,651 $2,433 $2,368 $2,313 Other NC 21% TN 5% 90+ days delinquent $34 $33 $34 $31 $37 1% 90+ days ratio 1
Slide 25: Florida market
Florida market* Deterioration in real estate values having effect on credit trends as evidenced by increasing NPA/NCOs in real estate related products Loans % of NPAs % of NCOs % of Homebuilders, developers tied to ($ in millions) (bn) FITB (mm) FITB (mm) FITB weakening real estate market Commercial
Slide 26: Michigan market
Michigan market* Deterioration in home price values coupled with weak economy impacting credit trends due to frequency of defaults and severity Loans % of NPAs % of NCOs % of ($ in millions) (bn) FITB (mm) FITB (mm) FITB Economic weakness impacts Commercial loans 4.78 16% 99 18% 81 21% commercial re
Slide 27: Cautionary statement
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 t