Company: FITBI
Filing Date: 2025-11-04
Form Type: 10-Q
Source: 0000035527-25-000212
Chunk: 225

Company: FIFTH THIRD BANCORP
Filing Date: 2025-11-04
Form: 10-Q
Item: Item 1
Chunk 225
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 claim denials and curtailments associated with these insured or guaranteed loans.

(c)Includes $15 and $12 of branch-related real estate no longer intended to be used for banking purposes as of September 30, 2025 and December 31, 2024, respectively.

43

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

The following tables provide a rollforward of portfolio nonaccrual loans and leases, by portfolio segment:

TABLE 47:  Rollforward of Portfolio Nonaccrual Loans and LeasesFor the nine months ended September 30, 2025 ($ in millions)CommercialResidential MortgageConsumerTotalBalance, beginning of period$456 137 230 823 Transfers to nonaccrual status602 46 246 894 Transfers to accrual status(4)(13)(80)(97)Transfers to held for sale(42)— — (42)Loan paydowns/payoffs(152)(26)(69)(247)Transfers to OREO— (5)(12)(17)Charge-offs(439)— (126)(565)Draws/other extensions of credit14 3 2 19 Balance, end of period$435 142 191 768 

TABLE 48:  Rollforward of Portfolio Nonaccrual Loans and LeasesFor the nine months ended September 30, 2024 ($ in millions)CommercialResidential MortgageConsumerTotalBalance, beginning of period$326 124 199 649 Transfers to nonaccrual status350 49 260 659 Transfers to accrual status(1)(20)(42)(63)Transfers to held for sale(8)— — (8)Loan paydowns/payoffs(131)(20)(51)(202)Transfers to OREO— (5)(11)(16)Charge-offs(203)— (135)(338)Draws/other extensions of credit1 3 1 5 Balance, end of period$334 131 221 686 

Analysis of Net Loan Charge-offs

Net charge-offs were 109 bps and 48 bps of average portfolio loans and leases for the three months ended September 30, 2025 and 2024, respectively, and were 67 bps and 45 bps of average portfolio loans and leases for the nine months ended September 30, 2025