Company: FITBI
Filing Date: 2025-11-04
Form Type: 10-Q
Source: 0000035527-25-000212
Chunk: 285

Company: FIFTH THIRD BANCORP
Filing Date: 2025-11-04
Form: 10-Q
Item: Item 1
Chunk 285
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 — 26 0.48 Commercial mortgage nonowner-occupied loans28 — — — 28 0.47 Commercial construction loans6 — — — 6 0.10 Total commercial portfolio loans$223 20 24 1 268 0.39 Residential mortgage portfolio segmentThe Bancorp has established residential mortgage loan modification programs which define the type of modifications available as well as the eligibility criteria for borrowers. The designs of the Bancorp’s modification programs for residential mortgage loans are similar to those utilized by the various GSEs. The Bancorp may offer a term extension for up to 480 months from the modification date, combined with a change in interest rate to a fixed rate (which may be an increase or decrease from the rate in the original loan). As part of these modifications, the Bancorp may capitalize delinquent amounts due at the time of the modification into the principal balance of the loan when determining its modified payment structure. For loans where the modification results in a new monthly payment amount, borrowers may be required to complete a trial period before the loan is permanently modified. The Bancorp also offers payment delay modifications to qualified borrowers which allow either the delay of repayment for delinquent amounts due until maturity or capitalization of delinquent amounts due into the principal balance of the loan. The number of monthly payments delayed varies by borrower but is most commonly within a range of six to twelve months.

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Table of ContentsFifth Third Bancorp and SubsidiariesNotes to Condensed Consolidated Financial Statements (unaudited)

The following tables present the amortized cost basis as of September 30, 2025 and 2024 of the Bancorp’s residential mortgage portfolio loans that were modified for borrowers experiencing financial difficulty, by type of modification:September 30, 2025September 30, 2024For the three months ended ($ in millions)Total% of Total ClassTotal% of Total ClassPayment delay$— — $1 0.01 Term extension and payment delay21 0.12 17 0.10 Term extension, interest rate reduction and payment delay8 0.05 4 0.02 Total residential mortgage portfolio loans$29 0.16 $22 0.13 September 30, 2025September 30, 2024For the nine months ended ($ in millions)Total% of Total ClassTotal% of Total ClassPayment delay$1