Company: FITBI
Filing Date: 2025-11-04
Form Type: 10-Q
Source: 0000035527-25-000212
Chunk: 4

Company: FIFTH THIRD BANCORP
Filing Date: 2025-11-04
Form: 10-Q
Item: Item 7
Chunk 4
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1 risk-based Capital Ratio: CET1 risk-based capital divided by risk-weighted assets as defined by the Basel III standardized approach to risk-weighting of assets

•Return on Average Tangible Common Equity (non-GAAP): Tangible net income available to common shareholders divided by average tangible common equity

•Return on Average Common Equity, Excluding AOCI (non-GAAP): Net income available to common shareholders divided by total equity, excluding AOCI and preferred stock

•Net Interest Margin (non-GAAP): Net interest income on an FTE basis divided by average interest-earning assets

•Efficiency Ratio (non-GAAP): Noninterest expense divided by the sum of net interest income on an FTE basis and noninterest income

•Earnings Per Share, Diluted: Net income allocated to common shareholders divided by average common shares outstanding after the effect of dilutive stock-based awards

•Nonperforming Portfolio Assets Ratio: Nonperforming portfolio assets divided by portfolio loans and leases and OREO

4

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

•Net Charge-off Ratio: Net losses charged-off divided by average portfolio loans and leases 

•Return on Average Assets: Net income divided by average assets

•Loan-to-Deposit Ratio: Total loans divided by total deposits

•Household Growth: Change in the number of consumer households with retail relationship-based checking accounts

The list of indicators above is intended to summarize some of the most important metrics utilized by management in evaluating the Bancorp’s performance and does not represent an all-inclusive list of all performance measures that may be considered relevant or important to management or investors.

TABLE 1:  Earnings SummaryFor the three months endedSeptember 30,%For the nine months endedSeptember 30,%($ in millions, except for per share data)20252024Change20252024ChangeIncome Statement DataNet interest income (U.S. GAAP)$1,520 1,421 7$4,453 4,192 6Net interest income (FTE)(a)(b)1,525 1,427 74,468 4,210 6Noninterest income781 711 102,224 2,117 5Total revenue (FTE)(a)(b)2,306 2,138 86,692 6,327 6Provision for credit losses197 160 23544 351 55Noninterest expense1,267 1,244 23