Solid revenue contributions from noninterest income sources, including investment advisory, corporate banking, and card and payment processing Strong market position in the Midwest, particularly in Ohio, Michigan, and Indiana Management's good progress toward lowering the bank's risk, trimming expenses, and positioning the institution for the future Commitment to large share buybacks and higher dividends, a headwind to capital ratios Below-average earnings quality, with special items reported most quarters MB Financial (MBFI) merger could pose credit, systems, and cultural risks The stable outlook on Fifth Third Bancorp reflects S&P Global Ratings' expectation that the bank will maintain its diverse revenue streams, good loan credit quality, and expense controls. We expect earnings growth to be partly offset by increased capital returns in