<PAGE>
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 8-K
CURRENT REPORT
Pursuant to Section 13 or 15 (d) of the
Securities Exchange Act of 1934
Date of Report (Date of earliest event reported) November 15, 1996
THE FIFTH THIRD BANK
(Exact name of registrant as specified in its charter)
Ohio 333-856 31-0854433
(State or other jurisdiction (Commission (IRS Employer
of incorporation) File Number) Identification No.)
38 Fountain Square Plaza, Cincinnati, Ohio 45263
(Address of principal executive offices) (Zip code)
Registrant's telephone number, including area code (513)579-5300
Not Applicable
(Former name or address, if changed since last report.)
<PAGE>
Item 5. Other Events
None
Item 7. Financial Statements and Exhibits
EXHIBIT NO. DOCUMENT DESCRIPTION
20 Monthly Servicing Reports
SIGNATURES
Pursuant to the requirements of the Securities Exchange Act of
1934, the registrant has duly caused this report to be signed on
its behalf by the undersigned hereunto duly authorized.
The Fifth Third Bank
(Registrant)
Date: November 15, 1996 /s/Roger W. Dean
Roger W. Dean, Controller
Fifth Third Bank Auto Receivables Trust 1996-A EXHIBIT 20
Monthly Statement to Certificateholders
Servicer: Fifth Third Bank
Trustee: Harris Trust and Savings Bank
Collection Period: 01-Oct-96 31-Oct-96
Distribution Date: 15-Nov-96 Per $1,000 of
Original
Class A /
Statement for Class A and Class B Class B
Certificateholders Pursuant to Section 4.7 Certificate
of the Pooling and Servicing Agreement Amount
(i) Principal Distribution
Class A Certificate Amount $12,938,189.58 $33.17430774
Class B Certificate Amount $609,652.91 $33.17297366
(ii) Interest Distribution
Class A Certificate Amount $1,524,557.54 $3.90905858
Class B Certificate Amount $73,579.71 $4.00368430
(iii) Servicing Fee $257,483.73 $0.63049368
(iv) Class A Certificate Balance
(after principal distributions) $282,137,463.75
Class A Pool Factor
(after principal distributions) 0.7234177
Class B Certificate Balance
(after principal distributions) $13,295,174.46
Class B Pool Factor
(after principal distributions) 0.7234288
(v) Total Pool Balance
(end of Collection Period) $295,432,638.16
Current Period Cumulative
vi) Defaulted Receivables $600,265.34 $2,939,470.20
Liquidation Proceeds $232,563.84 $1,068,451.01
Aggregate Net Losses $367,701.50 $1,871,019.19
vii) Aggregate Principal Balance of Receivables
repurchased by Seller or Servicer:
Principal Portion $0.00
Interest Portion $0.00
(viii) Class A Interest Carryover Shortfall $0.00
Class B Interest Carryover Shortfall $0.00
Class A Principal Carryover Shortfall $0.00
Class B Principal Carryover Shortfall $0.00
(ix) Reserve Account Balance (after giving effect to
payments made on the Distribution Date) $11,817,305.53
(x) Specified Reserve Account Balance (after giving effect
to payments made on the Distribution Date) $11,817,305.53
Fifth Third Bank Auto Receivables Trust 1996-B EXHIBIT 20
Monthly Statement to Certificateholders
Servicer: Fifth Third Bank
Trustee: Harris Trust and Savings Bank
Collection Period: 01-Oct-96 31-Oct-96
Distribution Date: 15-Nov-96 Per $1,000 of
Original
Class A /
Statement for Class A and Class B Class B
Certificateholders Pursuant to Section 4.7 Certificate
of the Pooling and Servicing Agreement Amount
(i) Principal Distribution
Class A Certificate Amount $14,277,214.58 $37.19536565
Class B Certificate Amount $1,074,629.05 $37.19469230
(ii) Interest Distribution
Class A Certificate Amount $1,986,601.57 $5.17554537
Class B Certificate Amount $155,327.77 $5.37615153
(iii) Servicing Fee $331,183.49 $0.80241017
(iv) Class A Certificate Balance
(after principal distributions) $355,323,077.83
Class A Pool Factor
(after principal distributions) 0.9256968
Class B Certificate Balance
(after principal distributions) $26,745,270.71
Class B Pool Factor
(after principal distributions) 0.9256981
(v) Total Pool Balance
(end of Collection Period) $382,068,348.54
Current Period Cumulative
vi) Defaulted Receivables $0.00 $0.00
Liquidation Proceeds $0.00 $0.00
Aggregate Net Losses $0.00 $0.00
vii) Aggregate Principal Balance of Receivables
repurchased by Seller or Servicer:
Principal Portion $4,016.38
Interest Portion $18.93
(viii) Class A Interest Carryover Shortfall $0.00
Class B Interest Carryover Shortfall $0.00
Class A Principal Carryover Shortfall $0.00
Class B Principal Carryover Shortfall $0.00
(ix) Reserve Account Balance (after giving effect to
payments made on the Distribution Date) $15,675,703.40
(x) Specified Reserve Account Balance (after giving effect
to payments made on the Distribution Date) $19,103,417.43
