Company: FITBI
Filing Date: 2025-11-04
Form Type: 10-Q
Source: 0000035527-25-000212
Chunk: 127

Company: FIFTH THIRD BANCORP
Filing Date: 2025-11-04
Form: 10-Q
Item: Item 8
Chunk 127
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 borrowers’ financial difficulties and the resulting effects of potential modifications when estimating expected credit losses.Portfolio loans with an amortized cost basis of $349 million and $184 million as of September 30, 2025 and 2024, respectively, were modified during the three months ended September 30, 2025 and 2024, respectively, and $609 million and $373 million were modified during the nine months ended September 30, 2025 and 2024, respectively, for borrowers experiencing financial difficulty, as further discussed in the following sections. These modifications for the three months ended September 30, 2025 and 2024 represented 0.28% and 0.16%, respectively, of total portfolio loans and leases as of September 30, 2025 and 2024, respectively, and 0.49% and 0.32% for the nine months ended September 30, 2025 and 2024, respectively. These amounts excluded $18 million and $19 million for the three months ended September 30, 2025 and 2024, respectively, and $42 million for both the nine months ended September 30, 2025 and 2024 of consumer and residential mortgage loans which have been granted a concession under provisions of the Federal Bankruptcy Act and are monitored 

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Table of ContentsFifth Third Bancorp and SubsidiariesNotes to Condensed Consolidated Financial Statements (unaudited)

separately from loans modified under the Bancorp’s loan modification programs. As of September 30, 2025 and December 31, 2024, the Bancorp had commitments of $106 million and $88 million, respectively, to lend additional funds to borrowers experiencing financial difficulty whose terms have been modified during the twelve months ended September 30, 2025 and December 31, 2024, respectively.Commercial portfolio segment Commercial loan modifications are individually negotiated and may vary depending on the borrower’s financial situation, but the Bancorp most commonly utilizes term extensions for periods of three to twelve months. The Bancorp may also consider offering commercial borrowers interest rate reductions or payment delays, which may be combined with a term extension.The following tables present the amortized cost basis as of September 30, 2025 and 2024 of the Bancorp’s commercial portfolio loans that were modified for borrowers experiencing financial difficulty, by portfolio class and type of modification:For the three months ended September 30, 2025 ($ in millions)Term