Company: FITBI
Filing Date: 2025-08-05
Form Type: 10-Q
Source: 0000035527-25-000171
Chunk: 208

Company: FIFTH THIRD BANCORP
Filing Date: 2025-08-05
Form: 10-Q
Item: Item 1
Chunk 208
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FICO ≥ 7201,055 24 1,013 24 Total senior liens$1,319 29 %$1,284 31 %Junior Liens:FICO ≤ 659267 6 242 6 FICO 660-719535 12 521 12 FICO ≥ 7202,364 53 2,141 51 Total junior liens$3,166 71 %$2,904 69 %Total$4,485 100  %$4,188 100  %

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