Company: FITBI
Filing Date: 2025-11-04
Form Type: 10-Q
Source: 0000035527-25-000212
Chunk: 16

Company: FIFTH THIRD BANCORP
Filing Date: 2025-11-04
Form: 10-Q
Item: Item 7
Chunk 16
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 5.31 16,716 238 5.65 (37)(13)(50)Total interest-bearing liabilities$143,096 999 2.77 %$147,092 1,248 3.38 %$(35)(214)(249)Demand deposits41,235 40,020 Other liabilities6,223 6,475 Total liabilities$190,554 $193,587 Total equity$21,216 $20,251 Total liabilities and equity$211,770 $213,838 Net interest income (FTE)(c)$1,525 $1,427 $35 63 98 Net interest margin (FTE)(c)3.13 %2.90 %Net interest rate spread (FTE)(c)2.41 2.05 Interest-bearing liabilities to interest-earning assets73.95 75.11 

(a)Changes in interest not solely due to volume or yield/rate are allocated in proportion to the absolute dollar amount of change in volume and yield/rate.

(b)The FTE adjustments included in the above table were $5 and $6 for the three months ended September 30, 2025 and 2024, respectively.

(c)This is a non-GAAP measure. For further information, refer to the Non-GAAP Financial Measures section of MD&A.

(d)Effective January 1, 2025, foreign office deposits are included in interest checking. Prior periods have been adjusted to conform to current period presentation.

11

Table of ContentsManagement’s Discussion and Analysis of Financial Condition and Results of Operations (continued)

TABLE 6:  Condensed Consolidated Average Balance Sheets and Analysis of Net Interest Income on an FTE BasisFor the nine months endedSeptember 30, 2025September 30, 2024Attribution of Change in Net Interest Income(a)($ in millions)Average BalanceInterest Earned/PaidAverage Yield/ RateAverage BalanceInterest Earned/PaidAverage Yield/ RateVolumeYield/ RateTotalAssets:Interest-earning assets:Loans and leases:(b)Commercial and industrial loans$53,916 2,513 6.23 %$52,423 2,795 7.12 %$78 (360)(282)Commercial mortgage loans12,282 562 6.12 11,394 535 6.27 41 (14)27 Commercial