Company: FITBI
Filing Date: 2025-02-24
Form Type: 10-K
Source: 0000035527-25-000079
Chunk: 369

Company: FIFTH THIRD BANCORP
Filing Date: 2025-02-24
Form: 10-K
Item: Item 8
Chunk 369
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 and leases71,616 — — 71,766 71,766 Consumer and residential mortgage loans43,180 — — 41,410 41,410 Total portfolio loans and leases, net$114,796 — — 113,176 113,176 Financial liabilities:Deposits$168,912 — 168,873 — 168,873 Federal funds purchased193 193 — — 193 Other short-term borrowings2,861 — 2,872 — 2,872 Long-term debt16,418 14,481 1,903 — 16,384 

194 Fifth Third Bancorp

Table of ContentsNOTES TO CONSOLIDATED FINANCIAL STATEMENTS

29. Regulatory Capital Requirements and Capital Ratios

The Board of Governors of the Federal Reserve System issued capital adequacy guidelines pursuant to which it assesses the adequacy of capital in examining and supervising a BHC. These guidelines include quantitative measures that assign risk weightings to assets and off-balance sheet items, define and set minimum regulatory capital requirements as well as the measure of “well-capitalized” status. Additionally, the U.S. banking agencies issued similar guidelines for minimum regulatory capital requirements and “well-capitalized” measurements for banking subsidiaries.The following table summarizes the prescribed capital ratios for the Bancorp and its banking subsidiary.Minimum      Well-CapitalizedCET1 capital:Fifth Third Bancorp4.50 %N/AFifth Third Bank, National Association4.50 6.50 Tier 1 risk-based capital:Fifth Third Bancorp6.00 6.00 Fifth Third Bank, National Association6.00 8.00 Total risk-based capital:Fifth Third Bancorp8.00 10.00 Fifth Third Bank, National Association8.00 10.00 Leverage:Fifth Third Bancorp4.00 N/AFifth Third Bank, National Association4.00 5.00 Failure to meet the minimum capital requirements or falling below the “well-capitalized” measure can initiate certain actions by regulators that could have a direct material effect on the Consolidated Financial Statements of the Bancorp. The Bancorp is subject to the stress capital buffer requirement and must maintain capital ratios above its buffered minimum (regulatory minimum plus stress capital buffer) in order to avoid certain limitations on capital distributions and discretionary bonuses to executive officers. The FRB