Company: FITBI
Filing Date: 2025-08-05
Form Type: 10-Q
Source: 0000035527-25-000171
Chunk: 236

Company: FIFTH THIRD BANCORP
Filing Date: 2025-08-05
Form: 10-Q
Item: Item 1
Chunk 236
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ASubordinated debtBaa1BBBBBB+ALFifth Third Bank, National Association:Short-term borrowingsP-2A-2F1R-1MShort-term depositP-1No ratingF1No ratingLong-term depositA1No ratingAAHSenior debtA3A-A-AHSubordinated debtA3BBB+BBB+ARating Agency Outlook for Fifth Third Bancorp and Fifth Third Bank, National AssociationStableStableStablePositive

55

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

CAPITAL MANAGEMENT

Management regularly reviews capital levels to help ensure it is appropriately positioned under various operating environments. The Bancorp has established a Capital Committee which is responsible for making capital plan recommendations to management. These recommendations are reviewed by the ERMC and the capital plan is approved by the Board of Directors. The Capital Committee is responsible for execution and oversight of the capital actions of the capital plan.

Regulatory Capital Ratios

The Basel III Final Rule sets minimum regulatory capital ratios as well as defines the measure of “well-capitalized” for insured depository institutions. The following table presents these requirements as well as the actual ratios and amounts for the Bancorp and Bank as of:

TABLE 59:  Regulatory CapitalRegulatory Ratio RequirementsJune 30, 2025December 31, 2024(a)($ in millions)MinimumWell-CapitalizedRatioAmountRatioAmountCET1 capital:Fifth Third Bancorp4.50  %N/A10.58  %$17,616 10.57  %$17,339 Fifth Third Bank, National Association4.50 6.50 12.87 21,280 12.86 20,943 Tier 1 risk-based capital:Fifth Third Bancorp6.00 6.00 11.85 19,732 11.86 19,455 Fifth Third Bank, National Association6.00 8.00 12.87 21,280 12.86 20,943 Total risk-based capital:Fifth Third Bancorp8.00 10.00 13.77 22,929 13.86 22,746 Fifth Third Bank, National Association8.00 10.00 14.12 23,338 14.19 23,116 Leverage:Fifth Third Bancorp4.00 N/A9.