Company: FITBI
Filing Date: 2025-08-05
Form Type: 10-Q
Source: 0000035527-25-000171
Chunk: 60

Company: FIFTH THIRD BANCORP
Filing Date: 2025-08-05
Form: 10-Q
Item: Item 7
Chunk 60
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,188 100  %

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 as of:

TABLE 37:  Home Equity Portfolio Loans Outstanding by LTV at OriginationJune 30, 2025December 31, 2024($ in millions)OutstandingWeighted-Average LTVOutstandingWeighted-Average LTVSenior Liens:LTV ≤ 80%$1,186 49.2  %$1,147 49.8  %LTV > 80%133 89.1 137 89.1 Total senior liens$1,319 53.4 %$1,284 54.2 %Junior Liens:LTV ≤ 80%2,327 63.7 2,085 64.3 LTV > 80%839 87.9 819 88.2 Total junior liens$3,166 70.3 %$2,904 71.3 %Total$4,485 65.4  %$4,188 66.0  %

39

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

The following tables provide an analysis of home equity portfolio loans outstanding by state with an LTV greater than 80% (including senior liens, if applicable) at origination:

TABLE 38:  Home Equity Portfolio Loans Outstanding with an LTV Greater than 80% at OriginationAs of June 30, 2025 ($ in millions)OutstandingExposureNonaccrualBy State:Ohio$282 748 6 Illinois140 343 4 Michigan129 342 3 Indiana111 260 3 Florida105 226 2 Kentucky77 190 2 All other states128 320 2 Total$972 2,429 22 

TABLE 39:  Home Equity Portfolio Loans Outstanding with an LTV Greater than 80% at OriginationAs of December 31, 2024 ($ in millions)OutstandingExposureNonaccrualBy State:Ohio$283 761 7 Illinois140 337 5