Company: FITBI
Filing Date: 2025-08-05
Form Type: 10-Q
Source: 0000035527-25-000171
Chunk: 15

Company: FIFTH THIRD BANCORP
Filing Date: 2025-08-05
Form: 10-Q
Item: Item 7
Chunk 15
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122,181 897 2.95 $(10)(177)(187)CDs over $250,0002,200 22 4.07 4,747 61 5.16 (28)(11)(39)Federal funds purchased206 2 4.39 230 3 5.41 — (1)(1)Securities sold under repurchase agreements353 1 1.16 373 2 1.97 — (1)(1)FHLB advances4,976 57 4.59 3,165 45 5.71 22 (10)12 Derivative collateral and other borrowed money89 1 5.61 54 1 6.87 — — — Long-term debt14,599 196 5.36 15,611 224 5.78 (14)(14)(28)Total interest-bearing liabilities$142,913 989 2.78 %$146,361 1,233 3.39 %$(30)(214)(244)Demand deposits40,885 40,266 Other liabilities6,086 7,141 Total liabilities$189,884 $193,768 Total equity$20,670 $18,707 Total liabilities and equity$210,554 $212,475 Net interest income (FTE)(c)$1,500 $1,393 $20 87 107 Net interest margin (FTE)(c)3.12 %2.88 %Net interest rate spread (FTE)(c)2.40 2.04 Interest-bearing liabilities to interest-earning assets74.17 75.25 

(a)Changes in interest not solely due to volume or yield/rate are allocated in proportion to the absolute dollar amount of change in volume and yield/rate.

(b)The FTE adjustments included in the above table were $5 and $6 for the three months ended June 30, 2025 and 2024, respectively.

(c)This is a non-GAAP measure. For further information, refer to the Non-GAAP Financial Measures section of MD&A.

(d)Effective January 1, 2025, foreign office deposits are included in interest checking. Prior periods have been adjusted to conform to current period presentation.

11

Table of ContentsManagement’s Discussion and Analysis of Financial Condition and