Strong market position in the Midwest and select Southeastern metropolitan areas A solid earnings platform, reflecting the bank's good business diversity Adequate capitalization levels, with proven ability to access the capital markets Historically weak asset quality, which has led to an elevated level of restructured loans Relatively large portfolio of shared national credits Below average earnings quality The stable outlook on Fifth Third Bancorp reflects Standard&Poor's Ratings Services' expectation that the institution's diverse business activities and strong market position in the Midwest and select Southeastern metropolitan areas will continue to generate stable pretax preprovision (PTPP) earnings. In addition, we expect that Fifth Third will sustain a Standard&Poor's risk-adjusted capital (RAC) ratio of approximately 8.50%-9% over the
