# EDGAR Filing Document

**Accession Number:** 0000035527
**File Stem:** 0000035527-25-000185
**Filing Date:** 2025-9
**Character Count:** 26517
**Document Hash:** 7cb305f22cd112ec7312feab9c8b657e
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0000035527-25-000185.hdr.sgml**: 20250909

**ACCESSION NUMBER**: 0000035527-25-000185

**CONFORMED SUBMISSION TYPE**: 8-K

**PUBLIC DOCUMENT COUNT**: 32

**CONFORMED PERIOD OF REPORT**: 20250905

**ITEM INFORMATION**: Material Impairments

**ITEM INFORMATION**: Regulation FD Disclosure

**ITEM INFORMATION**: Financial Statements and Exhibits

**FILED AS OF DATE**: 20250909

**DATE AS OF CHANGE**: 20250909

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** FIFTH THIRD BANCORP
- **CENTRAL INDEX KEY:** 0000035527
- **STANDARD INDUSTRIAL CLASSIFICATION:** STATE COMMERCIAL BANKS [6022]
- **ORGANIZATION NAME:** 02 Finance
- **EIN:** 310854434
- **STATE OF INCORPORATION:** OH
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 8-K
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 001-33653
- **FILM NUMBER:** 251303806

**BUSINESS ADDRESS:**
- **STREET 1:** 38 FOUNTAIN SQ PLZ
- **STREET 2:** FIFTH THIRD CENTER
- **CITY:** CINCINNATI
- **STATE:** OH
- **ZIP:** 45263
- **BUSINESS PHONE:** 5135795300

**MAIL ADDRESS:**
- **STREET 1:** 38 FOUNTAIN SQ PLZ
- **STREET 2:** FIFTH THIRD CENTER
- **CITY:** CINCINNATI
- **STATE:** OH
- **ZIP:** 45263

?xml version='1.0' encoding='ASCII'? fitb-20250905

**UNITED STATES**

**SECURITIES AND EXCHANGE COMMISSION**

**WASHINGTON, DC 20549**

**FORM 8-K** 

**CURRENT REPORT**

**PURSUANT TO SECTION 13 OR 15(D)**

**OF THE SECURITIES EXCHANGE ACT OF 1934**

**Date of report (Date of earliest event reported): September 5, 2025**

![Fifth Third Logo - 6.10.24.jpg](fitb-20250905_g1.jpg)

**Fifth Third Bancorp**

**(Exact name of registrant as specified in its charter)**

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| | | |
|:---|:---|:---|
| **Ohio** | **001-33653** | **31-0854434** |
| **(State or other jurisdiction<br>of incorporation)** | **(Commission<br>File Number)** | **(IRS Employer<br>Identification No.)** |

---

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Fifth Third Center** | **Fifth Third Center** | **Fifth Third Center** | **Fifth Third Center** | **Fifth Third Center** | |
| **38 Fountain Square Plaza** | **,** | **Cincinnati** | **,** | **Ohio** | **45263** |
| **(Address of Principal Executive Offices)** | **(Address of Principal Executive Offices)** | **(Address of Principal Executive Offices)** | **(Address of Principal Executive Offices)** | **(Address of Principal Executive Offices)** | **(Zip Code)** |

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**(800) 972-3030** 

**(Registrant's telephone number, including area code)**

**Not Applicable**

**(Former name or former address, if changed since last report)**

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below)

&nbsp;&nbsp;&nbsp;&nbsp;☐&nbsp;&nbsp;&nbsp;&nbsp;Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

&nbsp;&nbsp;&nbsp;&nbsp;☐&nbsp;&nbsp;&nbsp;&nbsp;Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

&nbsp;&nbsp;&nbsp;&nbsp;☐&nbsp;&nbsp;&nbsp;&nbsp;Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

&nbsp;&nbsp;&nbsp;&nbsp;☐&nbsp;&nbsp;&nbsp;&nbsp;Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

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| | | | | |
|:---|:---|:---|:---|:---|
| Securities registered pursuant to Section 12(b) of the Act: | Securities registered pursuant to Section 12(b) of the Act: |  |  |  |
| **Title of each class** | **Trading<br>Symbol(s)** | **Name of each exchange<br>on which registered** | **Name of each exchange<br>on which registered** | **Name of each exchange<br>on which registered** |
| **Common Stock, Without Par Value** | **FITB** | **The** | **NASDAQ** | **Stock Market LLC** |
| **Depositary Shares Representing a 1/1000th Ownership Interest in a Share of 6.625% Fixed-to-Floating Rate Non-Cumulative Perpetual Preferred Stock, Series I** | **FITBI** | **The** | **NASDAQ** | **Stock Market LLC** |
| **Depositary Shares Representing a 1/40th Ownership Interest in a Share of 6.00% Non-Cumulative Perpetual Class B Preferred Stock, Series A** | **FITBP** | **The** | **NASDAQ** | **Stock Market LLC** |
| **Depositary Shares Representing a 1/1000th Ownership Interest in a Share of 4.95% Non-Cumulative Perpetual Preferred Stock, Series K** | **FITBO** | **The** | **NASDAQ** | **Stock Market LLC** |

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Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company&nbsp;&nbsp;&nbsp;&nbsp;☐&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

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**FORWARD-LOOKING STATEMENTS**

This report contains statements that we believe are "forward-looking statements" within the meaning of Section 27A of the Securities Act of 1933, as amended, and Rule 175 promulgated thereunder, and Section 21E of the Securities Exchange Act of 1934, as amended, and Rule 3b-6 promulgated thereunder. All statements other than statements of historical fact are forward-looking statements. These statements relate to our financial condition, results of operations, plans, objectives, future performance, capital actions or business. They usually can be identified by the use of forward-looking language such as "will likely result," "may," "are expected to," "is anticipated," "potential," "estimate," "forecast," "projected," "intends to," or may include other similar words or phrases such as "believes," "plans," "trend," "objective," "continue," "remain," or similar expressions, or future or conditional verbs such as "will," "would," "should," "could," "might," "can," or similar verbs. You should not place undue reliance on these statements, as they are subject to risks and uncertainties, including but not limited to the risk factors set forth in our most recent Annual Report on Form 10-K as updated by our filings with the U.S. Securities and Exchange Commission ("SEC"). When considering these forward-looking statements, you should keep in mind these risks and uncertainties, as well as any cautionary statements we may make. Moreover, you should treat these statements as speaking only as of the date they are made and based only on information then actually known to us. We undertake no obligation to release revisions to these forward-looking statements or reflect events or circumstances after the date of this document.

We expressly disclaim any obligation or undertaking to release publicly any updates or revisions to any forward-looking statements contained herein to reflect any change in our expectations or any changes in events, conditions or circumstances on which any such statement is based, except as may be required by law, and we claim the protection of the safe harbor for forward-looking statements contained in the Private Securities Litigation Reform Act of 1995. The information contained herein is intended to be reviewed in its totality, and any stipulations, conditions or provisos that apply to a given piece of information in one part of this report should be read as applying mutatis mutandis to every other instance of such information appearing herein.

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**Item 2.06 Material Impairments** 

Fifth Third Bancorp (the "Bancorp") recently discovered alleged external fraudulent activity at a commercial borrower of Fifth Third Bank, National Association associated with their asset-backed finance loan.

On September 5, 2025, the Bancorp concluded that a material charge for impairment would result from this alleged external fraudulent activity. The outstanding balance on this loan is approximately $200 million. Based on currently available information, the Bancorp currently estimates that the non-cash impairment charge associated with this asset-backed finance loan, which would be recognized in the third quarter of 2025, will be in the range of $170 million to $200 million.

The Bancorp is working with the appropriate law enforcement authorities in connection with this matter. The Bancorp has also engaged third party advisors to validate the extent of its potential fraud related losses which will be used in determining the actual impairment charge to be recognized during the third quarter of 2025.

**Item 7.01 Regulation FD Disclosure** 

On September 10, 2025, Fifth Third Bancorp will present at the 2025 Barclays Global Financial Services Conference. A copy of this presentation is attached as Exhibit 99.1.

The information in this Form 8-K and Exhibits attached hereto shall not be deemed filed for purposes of Section 18 of the Securities Exchange Act of 1934, nor shall they be deemed incorporated by reference in any filing under the Securities Exchange Act of 1934 or the Securities Act of 1933, except as shall be expressly set forth by specific reference.

**Item 9.01 Financial Statements and Exhibits**

<u>[Exhibit 99.1](a2025barclaysconference-.htm)</u> – Fifth Third Bancorp Presentation

Exhibit 104 – Cover Page Interactive Data File (embedded within the Inline XBRL document)

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**SIGNATURES**

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

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| | |
|:---|:---|
| | **FIFTH THIRD BANCORP** |
| | (Registrant) |
| Date: September 9, 2025 | /s/ Bryan D. Preston |
| | Bryan D. Preston |
| | Executive Vice President and<br>Chief Financial Officer |

---

## Exhibit 99.1

![](a2025barclaysconference-001.jpg)© Fifth Third Bancorp \| All Rights Reserved Barclays Global Financial Services Conference Tim Spence Chief Executive Officer September 10, 2025

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3© Fifth Third Bancorp \| All Rights Reserved Top performing regional bank with local scale and national reach Midwest footprint Major FITB markets2 with a top 5 deposit share Key Southeast MSAs of focus Assets $210 billion Ranked 10th in the U.S.1 Deposits $164 billion Ranked 9th in the U.S.1 U.S. branches 1,089 Ranked 8th in the U.S.1 Commercial Payments Top 5 market share across several TM product categories4 Southeast footprint Leading position in the markets we compete in Toronto office London office Assets, deposits, and branches as of 6/30/25; 1Rankings as of 6/30/25 and consist of US commercial banks and exclude foreign, trust, & traditional investment banks; 2Includes MSAs with $10BN+ in deposits on a capped basis (deposits per branch capped at $250MM per June 2024 FDIC data); 3Deposits per branch capped at $250MM per June 2024 FDIC data; Midwest and Southeast rankings represent in footprint deposit market share; 4Source: 2023 Cash Management Services Survey administered by EY Deposit share rankings3 #2 #6Midwest Southeast #3 Fifth Third footprint Significant locational share in notable MSAs Nashville, TN Charlotte, NC #3 #4 Cincinnati, OH #1 Chicago, IL #3 Top 10 deposit share in ~90% of retail footprint Columbus, OH Indianapolis, IN #3 #3 Tampa, FL #6 Grand Rapids, MI #1

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![](a2025barclaysconference-004.jpg)

4© Fifth Third Bancorp \| All Rights Reserved Disciplined execution guided by core principles Stability Profitability Growth Consistent and disciplined management, with a long-term focus throughout the company • Resilient balance sheet • Strong credit profile • Branch-originated insured deposits and operational deposits tied to payment services • NII growth and NIM expansion • Diverse fee mix with high total revenue contribution • Expense discipline • Southeast demographics • Modular, repeatable investments • Tech-enabled product innovation #2 #3#1

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5© Fifth Third Bancorp \| All Rights Reserved 12.7% Peer 1 Peer 9 Peer 5 Peer 6 Peer 2 Peer 3 Peer 4 Peer 7 Peer 10 Peer 8 x Peer 11 2Q25 LTM 56.7% Peer 2 Peer 1 Peer 5 Peer 11 Peer 10 Peer 7 Peer 4 Peer 3 Peer 9 Peer 6 x Peer 8 2Q25 LTM 1.15% Peer 1 Peer 5 Peer 2 Peer 11 Peer 9 Peer 10 Peer 4 Peer 7 x Peer 3 Peer 6 Peer 8 2Q25 LTM Adjusted basis Driving to consistently generate top results 60.5% Peer 3 Peer 5 x Peer 11 Peer 7 Peer 8 Peer 9 Peer 4 Peer 1 Peer 10 Peer 6 Peer 2 1.29% Peer 2 Peer 6 Peer 10 Peer 9 Peer 7 Peer 5 Peer 8 Peer 4 Peer 11 x Peer 3 Peer 1 Return on equity1 2018 2018 Return on assets1 Efficiency ratio1 Adjusted basis Adjusted basis Remain focused on long-term horizon Expect to continue generating top-tier financial results2 1Non-GAAP measure: see reconciliation and use of non-GAAP measures on pages 26-28 of the 2Q25 earnings release; 2See forward-looking statements on page 2 of this presentation regarding forward-looking non-GAAP measures and use of non-GAAP measures on pages 26-28 of the 2Q25 earnings release 2018 12.0% Peer 2 Peer 10 Peer 4 Peer 6 Peer 5 X Peer 9 Peer 11 Peer 7 Peer 8 Peer 3 Peer 1

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6© Fifth Third Bancorp \| All Rights Reserved Peer 1 Peer 11 Peer 5 Peer 8 Peer 10 \* Peer 4 Peer 3 Peer 6 Peer 12 Peer 9 Peer 2 Peer 7 Peer 2 Peer 3 Peer 7 \* Peer 4 Peer 5 Peer 8 Peer 6 Peer 9 Peer 12 Peer 1 Peer 10 Peer 11 Delivering long-term shareholder outperformance with near-peer valuation Total shareholder return Note: Trailing TSR as of 8/29/2025 2025 P/E 2026 P/E 2025 consensus EPS and price as of 8/29/25 2026 consensus EPS and price as of 8/29/25 Peer median 12.2x Peer median 10.8x 12.9x 11.5x 1 Peer 8 187% FITB 102% Peer 8 304% 2 Peer 3 181% Peer 8 86% FITB 223% 3 FITB 162% Peer 7 83% Peer 7 213% 4 Peer 1 147% Peer 1 71% Peer 1 205% 5 Peer 4 135% Peer 3 60% Peer 11 162% 6 Peer 2 123% Peer 4 52% Peer 4 145% 7 Peer 6 123% Peer 6 41% Peer 2 135% 8 Peer 7 122% Peer 11 37% Peer 6 123% 9 Peer 11 108% Peer 5 26% Peer 3 118% 10 Peer 5 94% Peer 9 22% Peer 5 108% 11 Peer 10 63% Peer 10 19% Peer 9 88% 12 Peer 9 49% Peer 2 (1%) Peer 10 63% 5 Year 7 Year 10 Year

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7© Fifth Third Bancorp \| All Rights Reserved Current expectations - 3Q25 compared to 2Q25 As of September 10, 2025; please see cautionary statements on page 2 Avg. loans & leases (Including HFS) stable to up ~1% Net interest income1 (2Q25 baseline: $1.500 billion) up ~1% assumes 9/30/25 Fed funds rate of 4.25% Noninterest income1 (2Q25 baseline: $735 million; excludes securities g/l) up 1 – 4% Noninterest expense1 (2Q25 baseline: $1.233 billion; excludes the market-to market impact of non-qualified deferred compensation) up ~1% Net charge-off ratio 45 – 49 bps Provision for credit losses (Net charge-offs +/- reserve build/release) N/A Effective tax rate 22 - 23% We expect 3Q25 criticized assets & NPAs to decline from 2Q25, and 4Q25 net charge-offs to be ~40 bps 1 See forward-looking statements on page 2 of this presentation regarding forward-looking non-GAAP measures and use of non-GAAP measures on pages 26-28 of the 2Q25 earnings release . As of July 17, 2025 stable to up ~1% up ~1% assumes 9/30/25 Fed funds rate of 4.25% up 5 – 7% up ~1% N/A $220 - $250MM Including $170-$200MM for loan impairment related to alleged fraud 23% As of September 10, 2025

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8© Fifth Third Bancorp \| All Rights Reserved 22% 21% 19% 14% 12% 7% 5% Commercial banking revenue Commercial Payments with significant scale and leading technology Well established commercial payments organization with significant scale 1See forward-looking statements on page 2 of this presentation regarding forward-looking non-GAAP measures and use of non-GAAP measures on pages 26-28 of the 2Q25 earnings release; 2Source: 2023 Cash Management Services Survey administered by EY; 32024 ACH data from NACHA; deposit balances as of 4Q24 #2 of 37 in Coin and currency revenue #2 of 32 in Retail lockbox remittances #3 of 42 in Total ACH originations #3 of 39 in Wholesale lockbox remittances #4 of 37 in Total check clearing #5 of 35 in Account reconciliations Top 5 market share in several product categories2Wealth & asset management Mortgage banking revenue Other noninterest income Capital Markets Commercial payments Consumer banking revenue Managed Services • A/R automation • A/P automation • Cash logistics • Healthcare (Big Data HC) Newline Embedded payments • Platform • Interaction channels • Financial products • Risk solutions Traditional treasury mgmt. • Liquidity manager • Escrow manager • Commercial card • Lockbox & check 0.04% 0.06% 0.06% 0.07% 0.08% 0.11% 0.11% 0.11% 0.11% 0.11% 0.15% 0.21% 0.42% Peer 12 Peer 6 Peer 9 Peer 3 Peer 4 Peer 11 Peer 5 Peer 2 Peer 1 Peer 8 Peer 10 Peer 7 x HighlightsPayments processed ACH credit send / commercial deposits3 ~1,300 People in the commercial payments organization ~14K Commercial payments related clients ~40% Of new commercial payments relationships are payments-led with no credit extended $5 $10 $15 $17 2007 2019 2023 2024 $ in trillions 2Q25 LTM commercial payments fees $614M Commercial payments fees and NII contribution from operating deposits represents over $2B in annualized revenue today Noninterest income contribution 2Q25 LTM adjusted noninterest income1 of $3.0B 7% long-term CAGR

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10© Fifth Third Bancorp \| All Rights Reserved DTS Connex – Adding scale and innovation in cash management Key ProductsCompany Overview • DTS Connex is a leading platform for managing daily cash operations catering to retailers, financial institutions, and multi-store businesses • Simplifies cash management processes, providing real-time data on cash transactions and inventory • ~250 customers with more than 120,000 locations Description Sales / Services Shipping charges for client money transportation Retail Deposit locations: monthly fee for daily cash deposit function Change orders: monthly fee for daily change orders Branch Bank Delivers DTS tools to banks' retail branches Go White label tool for banks to resell Deposit and Change Order solutions to their clients (tier 2/3 banks) Value Proposition of Product Offerings ✓ Optimizes cash operations and provides real- time insights on cash levels ✓ Allows retailers to coordinate daily currency transportation with courier services to / from bank vaults ✓ Enhances retailer efficiency through reduced cash touchpoints, allowing employees to focus on higher-value tasks ✓ Reduces fraud for retailers through reconciliation reporting on Smart devices (Smart Safes, Smart Recyclers) ✓ Ability to tailor offering to provide retailer clients with provisional credit based on real- time cash analytics Compliments existing cash logistics strategy Capital-light, fee- based business Robust, marquee client base Expanded distribution channel with 5/3 sales force Optimize cash operations

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11© Fifth Third Bancorp \| All Rights Reserved Outperforming market across our branch footprint, led by double digit gains in high-growth Southeast markets Midwest Footprint1 Southeast Footprint1 Deposit Share 10.9% 3.9% Locational Share 8.7% 5.4% Capped Deposit Growth (YoY) Fifth Third 2.2% 15.7% Market Avg. 1.2% 0.2% Avg Deposits per Branch Fifth Third $122MM $82MM Market Avg. $96MM $114MM 3-year GDP growth (%) 4.9% 9.5% Population growth since 2010 (%) 1.4% 17.9% Deposit share rank in MSAs where Fifth Third operates1 As of June 30, 2024; deposits capped at $250MM 9th 12th 5th 13th 14th 3rd 2nd 1st 5th 2nd 3rd Southeast has favorable population trends Expected population growth (2025 – 2030)2 Midwest#2 Southeast#6 10.9% deposit share 3.9% deposit share 1Source: 2024 FDIC Summary of Deposits; 2Data sourced from S&P Global Market Intelligence Midwest U.S Southeast ~2x ~6x ~5% Deposit share rankings

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12© Fifth Third Bancorp \| All Rights Reserved Southeast investments and execution lead to strong deposit growth and profitability 1FITB branch count as of 6/30/25. Competitor data as of 06/30/25; 2Filtered for de novos and based on 2024 FDIC data. Not all de novos have been open for 5 years; 3See forward- looking statements on page 2 of this presentation regarding forward-looking non-GAAP measures and use of non-GAAP measures on pages 26-28 of the 2Q25 earnings release 221 147 43 33 29 26 18 Trillionaire 1 X Peer 8 Peer 9 Trillionaire 2 Peer 7 Trillionaire 3 Southeast de novo branch builds1 Average de novo deposits per branch by year2 In Southeast states since 2018 $0 $10 $20 $30 $40 $50 Year 1 Year 2 Year 3 Year 4 Year 5 Fifth Third Peer Avg $ in millions Continued investment in Southeast through 2028 ~$15B-$20B deposit opportunity over the next 7 years3 from continued growth and seasoning of Southeast branch investments 2017 2Q25 2028E3 Total branches 1,154 1,089 ~1,250 Midwest branches 881 730 ~675 Southeast branches 273 359 ~575 % of branches in Southeast 24% 33% ~50% Southeast locational share 7th 6th 5th Southeast investments driving strong growth Southeast CAGR from 2019-2Q25 Total Deposits 9% Wealth & Asset Management AUM 10% Middle Market Deposits 5% Middle Market Fees (TTM) 8%

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13© Fifth Third Bancorp \| All Rights Reserved Middle Market growing and expanding its reach 281 344 2021 2Q25 Salesforce additions drive growth Middle market salesforce $18,127 $22,253 2021 2Q25 Middle market loans Birmingham, Alabama Savannah, Georgia Recent expansion markets March Quarterly Weighted Average Loans x Trillionaire ~20x Central Valley (California) Kansas City, Missouri Total assets x Trillionaire ~3.5x Total middle market lending 6% CAGR 6% CAGR As of 2Q25 As of 2Q25 Relative asset size does not reflect middle market scale

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14© Fifth Third Bancorp \| All Rights Reserved 25% 25% 29% 32% 33% 34% 39% 40% 44% 47% 49% 49% 56% Peer 6 Peer 10 Peer 11 Peer 9 Peer 2 Peer 4 Peer 3 Peer 5 Peer 12 Peer 7 Peer 1 x Peer 8 Smaller proportion of low relationship value consumer deposits than most peers High-quality consumer deposit franchise Core Consumer Deposits % of Total Deposit1 1Data sourced from Call Report as of 12/31/2024; Includes: nonInt bearing deposits for individuals, int bearing deposits for individuals, MMDAs for individuals, other savings deposits for individuals, and retail time deposits, and excludes: brokered deposits <=$250K, fully insured and not fully insured non-affiliate retail sweep deposits, 2 Data sourced from Call Report as of 12/31/2024; includes: brokered deposits <=$250K, preferred deposits, reciprocal deposits, fully insured non-affiliate sweep deposits and retail sweep deposits, and not fully insured non-affiliate sweep deposits and retail sweep deposits 30% 27% 27% 26% 23% 22% 18% 16% 15% 14% 9% 7% 5% Peer 11 Peer 3 Peer 9 Peer 10 Peer 4 Peer 6 Peer 12 Peer 1 Peer 2 Peer 5 Peer 8 x Peer 7 Low Relationship-Value Deposits2

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15© Fifth Third Bancorp \| All Rights Reserved Customer-centric, technology-led product innovation and development Fifth Third Momentum Banking: Combining the best of fintech and traditional banksCustomer satisfaction ~1.6 million Momentum HHs ~64% of total consumer, up from ~38% in 1Q22 Free access to direct deposit up to two days early Early Pay Extra Time® Additional time to make a deposit and avoid overdraft fees (until midnight the following business day) MyAdvanceTM Ability to advance funds against future qualified direct deposits (line starts at $100, up to $1,000) No monthly service fee No minimum balance Track savings goals Free Overdraft Protection Automatic overdraft protection transfer from savings to checking with no fee Unique value proposition ✓ Noninterest bearing checking product, given the other valuable services provided ✓ Ongoing product enhancements ✓ Granular, sticky deposit growth ✓ Higher primacy and higher retention than previous new-to-bank customers Product features NEW Free access to a secure, guided online experience to create a state-specific, attorney approved will - in less than one hour Estate Planning #1 for banking mobile app user satisfaction among regional banks New mobile active Momentum checking customers engage with the onboarding portal New customer engagement & impact 2 in 3 Of direct deposit switches take less than 5 minutes1>75% 1Direct deposit setups completed through the automated direct deposit switch solution in the mobile app Smart Shield® Free 24/7 monitoring, automated threat blocking, support, and smart alerts Free estate plans provided since launch (May-25) 25K

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16© Fifth Third Bancorp \| All Rights Reserved Relationship focused , main street lender with lower NDFI exposure Comparing NDFI portfolio relative to peers NDFI loans1 / total loans Among the lowest NDFI concentration relative to peers As of 6/30/25 1 Source: Call Report; Domestic Offices; NDFI includes the following captions within schedule RC-C Part I – mortgage credit intermediaries, business credit intermediaries, private equity funds, consumer credit intermediaries and other loans to nondepository financial institutions 22% 19% 17% 12% 12% 12% 11% 11% 8% 8% 7% 4% 4% Peer 12 Peer 7 Peer 5 Peer 3 Peer 8 Peer 10 Peer 1 Peer 9 Peer 6 Peer 4 x Peer 2 Peer 11 NDFI loan1 portfolio composition As of 6/30/25 32% 30% 18% 16% 4% Business Credit 2Q25 $8.74B Consumer Credit Private Equity Mortgage CreditOther Peer Median % of NDFI Loans1 Mortgage Credit: 10% Business Credit: 18% Private Equity: 24% Consumer Credit: 4% Other: 15%

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17© Fifth Third Bancorp \| All Rights Reserved Why Fifth Third Positioned to generate long-term sustainable value to shareholders despite the environment ✓ Well-diversified and resilient balance sheet to provide stability and profitability ✓ Consistent investments to generate balanced and growing revenue streams while maintaining peer-leading expense discipline ✓ Multi-year track record of making appropriate and preemptive changes to the business ✓ Transparent management team

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