MANAGEMENT’S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS Table 26 provides detail on total commercial loan and leases, excluding held-for-sale, by major industry classification (as defined by the North  American Industry Classification System), by loan size and by state, illustrating the diversity and granularity of the Bancorp’s commercial loans  and leases.  The Bancorp has identified certain categories of commercial loans  which it believes represent a higher level of risk, as compared to  the rest of the Bancorp’s commercial loan portfolio, due to  economic or market conditions in the Bancorp’s key lending areas.  Tables 27 – 30 provide analysis of each of the categories of  commercial loans, excluding loans held for sale, as of and for the  years ended December 31, 2010 and 2009.  50 Fifth Third Bancorp 2010 2009 As of December 31 ($ in millions)  Outstanding Exposure Nonaccrual Outstanding Exposure Nonaccrual By industry:  Real estate  $8,295 9,532 378 10,091 11,622 915 Manufacturing  7,202 14,979 149 6,289 13,093 204 Financial services and insurance  3,830 8,184 78 4,354 8,702 40 Healthcare  3,402 5,421 35 3,004 4,921 67 Business services  3,314 5,379 50 2,643 4,595 49 Wholesale trade  2,926 5,689 18 2,248 4,632 48 Construction  2,789 4,124 242 3,759 5,281 700 Retail trade  2,548 5,377 48 2,678 5,552 104 Transportation and warehousing  2,074 2,566 15 2,503 3,003 51 Other services  1,062 1,473 35 1,127 1,558 33 Communication and information  1,004 1,668 7 792 1,346 8 Accommodation and food  953 1,476 26 1,019 1,505 58 Mining  851 1,443 19 765 1,182 16 Entertainment and recreation  788 1,012 7 740 949 15 Individuals  690 830 10 737 905 19 Public administration  616 848 9 681 877 - Utilities  595 1,600 - 473 1,310 - Agribusiness  483 621 85 585 742 59 Other  40 119 3 317 679 6 Total  $43,462 72,341 1,214 44,805 72,454 2,392 By loan size:  Less than $200,000  3 %  2 8  3 2 4 $200,000 to $1 million  10 8 25 12 9 18 $1 million to $5 million  21 17 34 26 20 39 $5 million to $10 million  13 11 8 13 11 18 $10 million to $25 million  25 25 19 24 26 17 Greater than $25 million  28 37 6 22 32 4 Total   100 %  100  100   100 100  100  By state:  Ohio  25 % 29 17 28 31 15 Michigan  15 13 22 16 14 18 Illinois  8 8 8 8 9 9 Florida  8 7 17 9 7 26 Indiana  6 6 7 6 6 6 Kentucky  5 4 5 5 5 4 North Carolina  3 3 4 3 3 1 Tennessee  3 3 1 2 2 4 Pennsylvania  2 2 1 2 2 - All other states  25 25 18 21 21 17 Total   100 %  100  100 100 100  100 As of December 31, 2010 ($ in millions)  For the Year Ended December 31, 2010  By State:  Outstanding Exposure  90 Days Past Due  Nonaccrual  Net Charge-offs  Ohio  $2,332 2,565 2 90  119 Michigan  1,695 1,809 85  123 Florida  935 1,022 1 120  180 Illinois  568 654 - 39  65 North Carolina  392 438 37  58 Indiana  387 419 - 19  32 All other states  751 823 - 39  48 Total  $7,060 7,730 5 429  625 TABLE 26: COMMERCIAL LOAN AND LEASE PORTFOLIO EXPOSURE TABLE 27: NON-OWNER OCCUPIED COMMERCIAL REAL ESTATE