Company: FITBI
Filing Date: 2025-02-24
Form Type: 10-K
Source: 0000035527-25-000079
Chunk: 482

Company: FIFTH THIRD BANCORP
Filing Date: 2025-02-24
Form: 10-K
Item: Item 7
Chunk 482
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 307 15 4.96 381 6 1.69 Securities sold under repurchase agreements362 7 1.86 348 4 1.22 482 1 0.17 FHLB advances2,602 145 5.56 4,596 235 5.11 3,733 98 2.63 Derivative collateral and other borrowed money60 5 8.92 100 8 8.24 329 9 2.94 Long-term debt15,835 892 5.63 14,260 742 5.20 11,893 417 3.50 Total interest-bearing liabilities$146,188 4,796 3.28 %$137,592 3,933 2.86 %$119,624 978 0.82 %Demand deposits40,314 46,195 60,185 Other liabilities6,906 6,935 8,040 Total liabilities$193,408 $190,722 $187,849 Total equity$19,398 $17,704 $19,080 Total liabilities and equity$212,806 $208,426 $206,929 Net interest income (FTE)(b)$5,654 $5,852 $5,625 Net interest margin (FTE)(b)2.90 %3.05 %3.02 %Net interest rate spread (FTE)(b)2.08 2.24 2.72 Interest-bearing liabilities to interest-earning assets75.05 71.76 64.20 

(a)The FTE adjustments included in the above table were $24, $25 and $16 for the years ended December 31, 2024, 2023 and 2022, respectively.

(b)Net interest income (FTE), net interest margin (FTE) and net interest rate spread (FTE) are non-GAAP measures. For further information, refer to the Non-GAAP Financial Measures section of MD&A.

58 Fifth Third Bancorp 

Table of Contents MANAGEMENT’S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS

TABLE 7:  Changes in Net Interest Income Attributable to Volume and Yield/Rate on an FTE Basis(a)For the years ended December 312