Company: FITBI
Filing Date: 2025-11-04
Form Type: 10-Q
Source: 0000035527-25-000212
Chunk: 76

Company: FIFTH THIRD BANCORP
Filing Date: 2025-11-04
Form: 10-Q
Item: Item 7
Chunk 76
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,271 Commercial mortgage loans11,932 12,246 Commercial construction loans5,326 5,588 Commercial leases3,218 3,188 Residential mortgage loans(a)17,644 17,543 Home equity4,678 4,188 Indirect secured consumer loans17,885 16,313 Credit card1,692 1,734 Solar energy installation loans4,432 4,202 Other consumer loans2,376 2,518 Total portfolio loans and leases$123,130 119,791 Attributed ALLL as a percent of respective portfolio loans and leases:Commercial and industrial loans1.54  %1.39 Commercial mortgage loans2.22 2.87 Commercial construction loans1.31 1.06 Commercial leases0.56 0.50 Residential mortgage loans0.75 0.83 Home equity2.09 2.53 Indirect secured consumer loans1.67 1.91 Credit card8.57 9.52 Solar energy installation loans6.77 8.35 Other consumer loans4.55 4.73 Total ALLL as a percent of portfolio loans and leases1.84  %1.96 Total ACL as a percent of portfolio loans and leases1.96 2.08 

(a)Includes residential mortgage loans measured at fair value of $107 at September 30, 2025 and $108 at December 31, 2024.

The Bancorp’s ALLL may vary significantly from period to period based on changes in economic conditions, economic forecasts and the composition and credit quality of the Bancorp’s loan and lease portfolio. 

48

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

INTEREST RATE AND PRICE RISK MANAGEMENT

Interest rate risk is the risk to earnings or capital arising from movement of interest rates. This risk primarily impacts the Bancorp’s income categories through changes in interest income on earning assets and the cost of interest-bearing liabilities, and through fee items that are related to interest-sensitive activities such as mortgage origination and servicing income and through earnings credits earned on commercial deposits that offset commercial deposit fees. Price risk is the risk to earnings or capital arising from changes in the value of financial instruments and portfolios due to movements in interest rates, volatilities, foreign exchange rates, equity prices and commodity prices. Management considers interest rate risk a prominent