Company: FITBI
Filing Date: 2025-11-04
Form Type: 10-Q
Source: 0000035527-25-000212
Chunk: 192

Company: FIFTH THIRD BANCORP
Filing Date: 2025-11-04
Form: 10-Q
Item: Item 8
Chunk 192
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, independently. The success of the Comerica Merger, including anticipated benefits and cost savings, will depend, in part, on Fifth Third’s ability to successfully integrate Comerica’s operations in a manner that results in various benefits and that does not materially disrupt existing customer relationships or result in decreased revenues due to loss of customers, as well as Fifth Third’s ability to successfully integrate Comerica.

Fifth Third’s future results may suffer if Fifth Third does not effectively manage its expanded operations following the Comerica Merger.

Following the Comerica Merger, the size and scope of Fifth Third’s business will increase beyond its current size and scope. Fifth Third’s future success depends, in part, upon the ability to manage its expanded businesses, which will pose substantial challenges for management, including challenges related to the management and monitoring of new operations and associated increased costs and complexity. There can be no assurances Fifth Third will be successful or that Fifth Third will realize the expected operating efficiencies, cost savings and other benefits currently anticipated from the Comerica Merger.

In addition, following the Comerica Merger, Fifth Third may be subject to increased scrutiny by, and/or additional regulatory requirements of, governmental authorities as a result of the Comerica Merger or the size, scope and complexity of Fifth Third’s business operations, which may have an adverse effect on Fifth Third’s business, operations or stock price.

While the Comerica Merger is pending, Fifth Third will be subject to business uncertainties and contractual restrictions that could adversely affect Fifth Third’s business and operations.

Uncertainty about the effect of the Comerica Merger on employees, customers, suppliers and other persons with whom Fifth Third or Comerica have a business relationship may have an adverse effect on Fifth Third’s business, operations and stock price. Existing customers, suppliers and other business partners of Fifth Third and of Comerica could decide to no longer do business with Fifth Third or with Comerica before the completion of the Comerica Merger or with Fifth Third after the Comerica Merger is completed, reducing its anticipated benefits. Both parties are also subject to certain restrictions on the conduct of their respective businesses while the Comerica Merger is pending. As a result, certain projects may be delayed or abandoned and business decisions could be deferred. Employee retention may be challenging for Comerica before completion of the Comerica Merger, as certain employees of Comerica may experience uncertainty about their future roles with Fifth Third following the Comerica Merger