Company: FITBI
Filing Date: 2025-05-06
Form Type: 10-Q
Source: 0000035527-25-000137
Chunk: 210

Company: FIFTH THIRD BANCORP
Filing Date: 2025-05-06
Form: 10-Q
Item: Item 1
Chunk 210
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 Poor’sFitchDBRS Morningstar Fifth Third Bancorp:Short-term borrowingsNo ratingA-2F1R-1LSenior debtBaa1BBB+A-ASubordinated debtBaa1BBBBBB+ALFifth Third Bank, National Association:Short-term borrowingsP-2A-2F1R-1MShort-term depositP-1No ratingF1No ratingLong-term depositA1No ratingAAHSenior debtA3A-A-AHSubordinated debtA3BBB+BBB+ARating Agency Outlook for Fifth Third Bancorp and Fifth Third Bank, National AssociationStableStableStableStable

53

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

CAPITAL MANAGEMENT

Management regularly reviews capital levels to help ensure it is appropriately positioned under various operating environments. The Bancorp has established a Capital Committee which is responsible for making capital plan recommendations to management. These recommendations are reviewed by the ERMC and the annual capital plan is approved by the Board of Directors. The Capital Committee is responsible for execution and oversight of the capital actions of the capital plan.

Regulatory Capital Ratios

The Basel III Final Rule sets minimum regulatory capital ratios as well as defines the measure of “well-capitalized” for insured depository institutions. The following table presents these requirements as well as the actual ratios and amounts for the Bancorp and Bank as of:

TABLE 58:  Regulatory CapitalRegulatory Ratio RequirementsMarch 31, 2025December 31, 2024(a)($ in millions)MinimumWell-CapitalizedRatioAmountRatioAmountCET1 capital:Fifth Third Bancorp4.50  %N/A10.43  %$17,239 10.57  %$17,339 Fifth Third Bank, National Association4.50 6.50 12.78 20,980 12.86 20,943 Tier 1 risk-based capital:Fifth Third Bancorp6.00 6.00 11.71 19,355 11.86 19,455 Fifth Third Bank, National Association6.00 8.00 12.78 20,980 12.86 20,943 Total risk-based capital:Fifth Third Bancorp8.00 10.00 13.63 22,530 13.86 22,746 Fifth Third Bank,