Company: FITBI
Filing Date: 2025-11-04
Form Type: 10-Q
Source: 0000035527-25-000212
Chunk: 246

Company: FIFTH THIRD BANCORP
Filing Date: 2025-11-04
Form: 10-Q
Item: Item 1
Chunk 246
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 hold securities, that it may be subject to revision or withdrawal at any time by the assigning rating organization and that each rating should be evaluated independently of any other rating. Additional information on the credit rating ranking within the overall classification system is located on the website of each credit rating agency.

TABLE 58:  Agency RatingsAs of November 4, 2025Moody’sStandard and 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 AssociationNegativeStableStablePositive

55

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 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 59:  Regulatory CapitalRegulatory Ratio RequirementsSeptember 30, 2025December 31, 2024(a)($ in millions)MinimumWell-CapitalizedRatioAmountRatioAmountCET1 risk-based capital:Fifth Third Bancorp4.50  %N/A10.57  %$17,645 10.57  %$17,339 Fifth Third Bank, National Association4.50 6.50 12.95 21,470 12.86 20,943 Tier 1 risk-based capital:Fifth Third Bancorp6.00 6.00 11.63 19,415 11