Company: FITBI
Filing Date: 2025-10-06
Form Type: 425
Source: 0001193125-25-230874
Chunk: 25

Company: FIFTH THIRD BANCORP
Filing Date: 2025-10-06
Form: 425
Chunk 25
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 appetite strong commercial operational deposit greater than 10% franchise creates stable funding source for • Increasing granularity in commercial loan • Leading recurring relationship fees driving loan growth portfolio – shared national credit returns and resiliency concentration decreases from 44% to 36% • Payments penetration drives higher DDA • Low reliance on overdraft/NSF fees at only of commercial loans concentration: 29% vs. 26% peer median 3% of total fees • High quality CRE portfolio with only 3 bps • High-quality, low-cost deposit base: 1.77% of average NCOs over the last 10 years cost of deposits vs. 1.85% peer median 1 Source: S&P Capital IQ, FactSet, FITB filings and management and CMA filings. Financial data as of June 30, 2025. Totals shown above may not foot due to rounding. Pro forma metrics as of June 30, 2025 and exclude purchase accounting adjustments for illustrative purposes. 7

ibdroot\projects\IBD-NY\burger2025\973442_1\Presentations\05. Investor Presentation\PPT\Express_2.0_v2 - From FITB_v01.pptx Profitability: From strong to stronger 1 1 1 Efficiency ratio Return on average assets ROTCE Adjusted basis Adjusted basis Adjusted basis 200 bps improvement 11 bps improvement 200 bps improvement 2 2 2 2027E 2027E 2027E 2025 LTM 2025 LTM 2025 LTM PF 53% PF 19%+ Peer 8 Peer 8 Peer 8 Peer 8 x Peer 8 55% PF Peer 10 1.3-1.4% Peer 6 x 57% Peer 6 x 17%+ Peer 6 x 18% Peer 3 Peer 6 Peer 10 Peer 8 x 1.2-1.3% Peer 11 x 1.15% Peer 9 Peer 4 Peer 9 Peer 7 Peer 4 Peer 7 Peer 3 Peer 6 Peer 7 Peer 10 Peer 7 Peer 4 Peer 4 Peer 7 Peer 4 Peer 4 Peer 6 Peer 10 Peer 7 Peer 1 Peer 10 Peer 5 Peer 3 Peer 9 Peer 9 Peer 10 Peer 1 Peer 9 Peer