Company: FITBI
Filing Date: 2025-08-05
Form Type: 10-Q
Source: 0000035527-25-000171
Chunk: 13

Company: FIFTH THIRD BANCORP
Filing Date: 2025-08-05
Form: 10-Q
Item: Item 7
Chunk 13
---
 average balances of CDs over $250,000, partially offset by increases in the average balances of FHLB advances. Refer to the Borrowings subsection of the Balance Sheet Analysis section of MD&A for additional information on the Bancorp’s borrowings. During both the three and six months ended June 30, 2025, average wholesale funding represented 16% of average interest-bearing liabilities compared to 17% for both the three and six months ended June 30, 2024. For more information on the Bancorp’s interest rate risk management, including estimated earnings sensitivity to changes in market interest rates, refer to the Interest Rate and Price Risk Management subsection of the Risk Management section of MD&A.

10

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

TABLE 5:  Condensed Consolidated Average Balance Sheets and Analysis of Net Interest Income on an FTE BasisFor the three months endedJune 30, 2025June 30, 2024Attribution of Change in Net Interest Income(a)($ in millions)Average BalanceInterest Earned/PaidAverage Yield/ RateAverage BalanceInterest Earned/PaidAverage Yield/ RateVolumeYield/ RateTotalAssets:Interest-earning assets:Loans and leases:(b) Commercial and industrial loans$54,109 847 6.28 %$52,389 929 7.13 %$30 (112)(82) Commercial mortgage loans12,420 190 6.12 11,353 177 6.26 16 (3)13  Commercial construction loans5,810 104 7.17 5,917 105 7.14 (2)1 (1) Commercial leases3,121 38 4.83 2,576 28 4.33 6 4 10 Total commercial loans and leases$75,460 1,179 6.26 $72,235 1,239 6.90 $50 (110)(60)Residential mortgage loans18,156 180 3.98 17,363 158 3.66 7 15 22 Home equity4,383 81 7.42 3,929 82 8.37 9 (10)(1)Indirect secured consumer loans17,248 242 5.63 15,373 198 5.18