Management's good progress toward lowering the bank's risk, trimming expenses, and positioning the institution for the future Solid revenue contributions from non-interest-income sources, including investment advisory, corporate banking, and card and payment processing Strong market position in the Midwest, particularly in Ohio, Michigan, and Indiana Ongoing MB Financial (MBFI) merger that could pose integration, credit, systems, and cultural risks Commitment to share buybacks and higher dividends, which may prevent capital ratios from rising, despite good earnings Below-average earnings quality, with special items reported most quarters 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 nearly
