Company: FITBI
Filing Date: 2025-02-24
Form Type: 10-K
Source: 0000035527-25-000079
Chunk: 525

Company: FIFTH THIRD BANCORP
Filing Date: 2025-02-24
Form: 10-K
Item: Item 7
Chunk 525
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 Portfolio Loans Outstanding by Refreshed FICO Score20242023As of December 31 ($ in millions)Outstanding% of Total    Outstanding% of Total    Senior Liens:FICO ≤ 659$111 3 %$109 2 %FICO 660-719160 4 187 5 FICO ≥ 7201,013 24 1,052 27 Total senior liens$1,284 31 %$1,348 34 %Junior Liens:FICO ≤ 659242 6 218 6 FICO 660-719521 12 460 12 FICO ≥ 7202,141 51 1,890 48 Total junior liens$2,904 69 %$2,568 66 %Total$4,188 100 %$3,916 100 %

The Bancorp believes that home equity portfolio loans with a greater than 80% LTV (including senior liens, if applicable) present a higher level of risk. The following table provides an analysis of the home equity portfolio loans outstanding in a senior and junior lien position by LTV at origination:

TABLE 39:  Home Equity Portfolio Loans Outstanding by LTV at Origination20242023As of December 31 ($ in millions)OutstandingWeighted-Average LTVOutstandingWeighted-Average LTVSenior Liens:LTV ≤ 80%$1,147 49.8 %$1,194 50.8 %LTV > 80%137 89.1 154 88.9 Total senior liens$1,284 54.2 %$1,348 55.4 %Junior Liens:LTV ≤ 80%2,085 64.3 1,768 64.9 LTV > 80%819 88.2 800 88.7 Total junior liens$2,904 71.3 %$2,568 72.7 %Total$4,188 66.0 %$3,916 66.7 %

83 Fifth Third Bancorp

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

The following tables provide an analysis of home equity portfolio loans outstanding by state with an LTV greater than 80% (