# EDGAR Filing Document

**Accession Number:** 0000035527
**File Stem:** 0000035527-25-000151
**Filing Date:** 2025-7
**Character Count:** 219289
**Document Hash:** f4e09603b494a2cef50b0b3ae108cddb
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0000035527-25-000151.hdr.sgml**: 20250717

**ACCESSION NUMBER**: 0000035527-25-000151

**CONFORMED SUBMISSION TYPE**: 8-K

**PUBLIC DOCUMENT COUNT**: 61

**CONFORMED PERIOD OF REPORT**: 20250717

**ITEM INFORMATION**: Results of Operations and Financial Condition

**ITEM INFORMATION**: Regulation FD Disclosure

**ITEM INFORMATION**: Financial Statements and Exhibits

**FILED AS OF DATE**: 20250717

**DATE AS OF CHANGE**: 20250717

**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:** 251128778

**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-20250717

**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): July 17, 2025**

![53_Logo_horizontal_FullColor.jpg](fitb-20250717_g1.jpg)

**Fifth Third Bancorp**

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

---

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

---

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **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)** |

---

**(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))

---

| | | | | |
|:---|:---|:---|:---|:---|
| 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** |

---

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. ☐

------

**Item 2.02&nbsp;&nbsp;&nbsp;&nbsp;Results of Operations and Financial Condition.**

On July 17, 2025, Fifth Third Bancorp issued a press release announcing its earnings release for the second quarter of 2025. A copy of this press release is attached as Exhibit 99.1. This information is furnished under both Item 2.02 Results of Operations and Financial Condition and Item 7.01 Regulation FD Disclosure.

The information in this Item 2.02 of 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 7.01&nbsp;&nbsp;&nbsp;&nbsp;Regulation FD Disclosure.**

On July 17, 2025, Fifth Third Bancorp issued a press release announcing its earnings release for the second quarter of 2025. A copy of this press release is attached as Exhibit 99.1. This information is furnished under both Item 2.02 Results of Operations and Financial Condition and Item 7.01 Regulation FD Disclosure.

For the benefit of its investors, Fifth Third Bancorp is also furnishing a presentation regarding its earnings conference call. A copy of this item is attached as Exhibit 99.2.

The information in this Item 7.01 of 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&nbsp;&nbsp;&nbsp;&nbsp;Financial Statements and Exhibits**

<u>[Exhibit 99.1](q22025earningsrelease.htm)</u> – Press release dated July 17, 2025

<u>[Exhibit 99.2](fifththirdbancorppresent.htm)</u> – Second Quarter 2025 Earnings Presentation

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

------

**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.

---

| | |
|:---|:---|
| | **FIFTH THIRD BANCORP** |
| | (Registrant) |
| Date: July 17, 2025 | /s/ Bryan D. Preston |
| | Bryan D. Preston |
| | Executive Vice President and<br>Chief Financial Officer |

---

## Exhibit 99.1

![a53_logoxhorizontalxfullco.jpg](a53_logoxhorizontalxfullco.jpg)

**Fifth Third Bancorp Reports Second Quarter 2025 Diluted Earnings Per Share of $0.88**

*Accelerating revenue growth led by continued loan growth and net interest margin expansion*

*Reported results included a negative $0.02 impact from certain items on page 2*

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Key Financial Data** | | | | | | | **Key Highlights** |
| *$ in millions for all balance sheet and income statement items* |  |  |  |  |  |  |  |
|  | **2Q25** | **2Q25** | **1Q25** | **1Q25** | **2Q24** | **2Q24** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Stability:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• Net charge-off ratio<sup>(b)</sup> declined 1 bp sequentially and 4 bps compared to 2Q24; NPAs decreased 11% sequentially, including commercial NPAs down 18%<br>&nbsp;&nbsp;&nbsp;&nbsp;• Interest-bearing liabilities costs down 2 bps compared to 1Q25; 4% DDA growth year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Strong profitability resulted in CET1 increasing 13 bps to 10.56%<br>&nbsp;&nbsp;&nbsp;&nbsp;**Profitability:** <br>&nbsp;&nbsp;&nbsp;&nbsp;• Disciplined expense management; efficiency ratio<sup>(a)</sup> of 56.2%; adjusted efficiency ratio<sup>(a)</sup> of 55.5%, an improvement of 130 bps year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Net interest margin expanded for the 6th consecutive quarter<br>&nbsp;&nbsp;&nbsp;&nbsp;• Adjusted ROTCE ex. AOCI<sup>(a)</sup> of 13.9% and adjusted ROA<sup>(a)</sup> of 1.22%<br>&nbsp;&nbsp;&nbsp;&nbsp;**Growth:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• 5% loan growth compared to 2Q24; annual loan growth reaches highest level in over two years<br>&nbsp;&nbsp;&nbsp;&nbsp;• Consumer household growth of 2%, including 6% in the Southeast<br>&nbsp;&nbsp;&nbsp;&nbsp;• Assets under management of $73B, up 12% compared to 2Q24 |
|  |  |  |  |  |  |  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Stability:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• Net charge-off ratio<sup>(b)</sup> declined 1 bp sequentially and 4 bps compared to 2Q24; NPAs decreased 11% sequentially, including commercial NPAs down 18%<br>&nbsp;&nbsp;&nbsp;&nbsp;• Interest-bearing liabilities costs down 2 bps compared to 1Q25; 4% DDA growth year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Strong profitability resulted in CET1 increasing 13 bps to 10.56%<br>&nbsp;&nbsp;&nbsp;&nbsp;**Profitability:** <br>&nbsp;&nbsp;&nbsp;&nbsp;• Disciplined expense management; efficiency ratio<sup>(a)</sup> of 56.2%; adjusted efficiency ratio<sup>(a)</sup> of 55.5%, an improvement of 130 bps year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Net interest margin expanded for the 6th consecutive quarter<br>&nbsp;&nbsp;&nbsp;&nbsp;• Adjusted ROTCE ex. AOCI<sup>(a)</sup> of 13.9% and adjusted ROA<sup>(a)</sup> of 1.22%<br>&nbsp;&nbsp;&nbsp;&nbsp;**Growth:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• 5% loan growth compared to 2Q24; annual loan growth reaches highest level in over two years<br>&nbsp;&nbsp;&nbsp;&nbsp;• Consumer household growth of 2%, including 6% in the Southeast<br>&nbsp;&nbsp;&nbsp;&nbsp;• Assets under management of $73B, up 12% compared to 2Q24 |
| **Income Statement Data** |  |  |  |  |  |  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Stability:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• Net charge-off ratio<sup>(b)</sup> declined 1 bp sequentially and 4 bps compared to 2Q24; NPAs decreased 11% sequentially, including commercial NPAs down 18%<br>&nbsp;&nbsp;&nbsp;&nbsp;• Interest-bearing liabilities costs down 2 bps compared to 1Q25; 4% DDA growth year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Strong profitability resulted in CET1 increasing 13 bps to 10.56%<br>&nbsp;&nbsp;&nbsp;&nbsp;**Profitability:** <br>&nbsp;&nbsp;&nbsp;&nbsp;• Disciplined expense management; efficiency ratio<sup>(a)</sup> of 56.2%; adjusted efficiency ratio<sup>(a)</sup> of 55.5%, an improvement of 130 bps year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Net interest margin expanded for the 6th consecutive quarter<br>&nbsp;&nbsp;&nbsp;&nbsp;• Adjusted ROTCE ex. AOCI<sup>(a)</sup> of 13.9% and adjusted ROA<sup>(a)</sup> of 1.22%<br>&nbsp;&nbsp;&nbsp;&nbsp;**Growth:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• 5% loan growth compared to 2Q24; annual loan growth reaches highest level in over two years<br>&nbsp;&nbsp;&nbsp;&nbsp;• Consumer household growth of 2%, including 6% in the Southeast<br>&nbsp;&nbsp;&nbsp;&nbsp;• Assets under management of $73B, up 12% compared to 2Q24 |
| Net income available to common shareholders | $591 |  | $478 |  | $561 |  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Stability:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• Net charge-off ratio<sup>(b)</sup> declined 1 bp sequentially and 4 bps compared to 2Q24; NPAs decreased 11% sequentially, including commercial NPAs down 18%<br>&nbsp;&nbsp;&nbsp;&nbsp;• Interest-bearing liabilities costs down 2 bps compared to 1Q25; 4% DDA growth year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Strong profitability resulted in CET1 increasing 13 bps to 10.56%<br>&nbsp;&nbsp;&nbsp;&nbsp;**Profitability:** <br>&nbsp;&nbsp;&nbsp;&nbsp;• Disciplined expense management; efficiency ratio<sup>(a)</sup> of 56.2%; adjusted efficiency ratio<sup>(a)</sup> of 55.5%, an improvement of 130 bps year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Net interest margin expanded for the 6th consecutive quarter<br>&nbsp;&nbsp;&nbsp;&nbsp;• Adjusted ROTCE ex. AOCI<sup>(a)</sup> of 13.9% and adjusted ROA<sup>(a)</sup> of 1.22%<br>&nbsp;&nbsp;&nbsp;&nbsp;**Growth:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• 5% loan growth compared to 2Q24; annual loan growth reaches highest level in over two years<br>&nbsp;&nbsp;&nbsp;&nbsp;• Consumer household growth of 2%, including 6% in the Southeast<br>&nbsp;&nbsp;&nbsp;&nbsp;• Assets under management of $73B, up 12% compared to 2Q24 |
| Net interest income (U.S. GAAP) | 1495 |  | 1437 |  | 1387 |  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Stability:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• Net charge-off ratio<sup>(b)</sup> declined 1 bp sequentially and 4 bps compared to 2Q24; NPAs decreased 11% sequentially, including commercial NPAs down 18%<br>&nbsp;&nbsp;&nbsp;&nbsp;• Interest-bearing liabilities costs down 2 bps compared to 1Q25; 4% DDA growth year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Strong profitability resulted in CET1 increasing 13 bps to 10.56%<br>&nbsp;&nbsp;&nbsp;&nbsp;**Profitability:** <br>&nbsp;&nbsp;&nbsp;&nbsp;• Disciplined expense management; efficiency ratio<sup>(a)</sup> of 56.2%; adjusted efficiency ratio<sup>(a)</sup> of 55.5%, an improvement of 130 bps year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Net interest margin expanded for the 6th consecutive quarter<br>&nbsp;&nbsp;&nbsp;&nbsp;• Adjusted ROTCE ex. AOCI<sup>(a)</sup> of 13.9% and adjusted ROA<sup>(a)</sup> of 1.22%<br>&nbsp;&nbsp;&nbsp;&nbsp;**Growth:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• 5% loan growth compared to 2Q24; annual loan growth reaches highest level in over two years<br>&nbsp;&nbsp;&nbsp;&nbsp;• Consumer household growth of 2%, including 6% in the Southeast<br>&nbsp;&nbsp;&nbsp;&nbsp;• Assets under management of $73B, up 12% compared to 2Q24 |
| Net interest income (FTE)<sup>(a)</sup> | 1500 |  | 1442 |  | 1393 |  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Stability:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• Net charge-off ratio<sup>(b)</sup> declined 1 bp sequentially and 4 bps compared to 2Q24; NPAs decreased 11% sequentially, including commercial NPAs down 18%<br>&nbsp;&nbsp;&nbsp;&nbsp;• Interest-bearing liabilities costs down 2 bps compared to 1Q25; 4% DDA growth year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Strong profitability resulted in CET1 increasing 13 bps to 10.56%<br>&nbsp;&nbsp;&nbsp;&nbsp;**Profitability:** <br>&nbsp;&nbsp;&nbsp;&nbsp;• Disciplined expense management; efficiency ratio<sup>(a)</sup> of 56.2%; adjusted efficiency ratio<sup>(a)</sup> of 55.5%, an improvement of 130 bps year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Net interest margin expanded for the 6th consecutive quarter<br>&nbsp;&nbsp;&nbsp;&nbsp;• Adjusted ROTCE ex. AOCI<sup>(a)</sup> of 13.9% and adjusted ROA<sup>(a)</sup> of 1.22%<br>&nbsp;&nbsp;&nbsp;&nbsp;**Growth:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• 5% loan growth compared to 2Q24; annual loan growth reaches highest level in over two years<br>&nbsp;&nbsp;&nbsp;&nbsp;• Consumer household growth of 2%, including 6% in the Southeast<br>&nbsp;&nbsp;&nbsp;&nbsp;• Assets under management of $73B, up 12% compared to 2Q24 |
| Noninterest income | 750 |  | 694 |  | 695 |  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Stability:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• Net charge-off ratio<sup>(b)</sup> declined 1 bp sequentially and 4 bps compared to 2Q24; NPAs decreased 11% sequentially, including commercial NPAs down 18%<br>&nbsp;&nbsp;&nbsp;&nbsp;• Interest-bearing liabilities costs down 2 bps compared to 1Q25; 4% DDA growth year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Strong profitability resulted in CET1 increasing 13 bps to 10.56%<br>&nbsp;&nbsp;&nbsp;&nbsp;**Profitability:** <br>&nbsp;&nbsp;&nbsp;&nbsp;• Disciplined expense management; efficiency ratio<sup>(a)</sup> of 56.2%; adjusted efficiency ratio<sup>(a)</sup> of 55.5%, an improvement of 130 bps year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Net interest margin expanded for the 6th consecutive quarter<br>&nbsp;&nbsp;&nbsp;&nbsp;• Adjusted ROTCE ex. AOCI<sup>(a)</sup> of 13.9% and adjusted ROA<sup>(a)</sup> of 1.22%<br>&nbsp;&nbsp;&nbsp;&nbsp;**Growth:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• 5% loan growth compared to 2Q24; annual loan growth reaches highest level in over two years<br>&nbsp;&nbsp;&nbsp;&nbsp;• Consumer household growth of 2%, including 6% in the Southeast<br>&nbsp;&nbsp;&nbsp;&nbsp;• Assets under management of $73B, up 12% compared to 2Q24 |
| Noninterest expense | 1264 |  | 1304 |  | 1221 |  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Stability:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• Net charge-off ratio<sup>(b)</sup> declined 1 bp sequentially and 4 bps compared to 2Q24; NPAs decreased 11% sequentially, including commercial NPAs down 18%<br>&nbsp;&nbsp;&nbsp;&nbsp;• Interest-bearing liabilities costs down 2 bps compared to 1Q25; 4% DDA growth year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Strong profitability resulted in CET1 increasing 13 bps to 10.56%<br>&nbsp;&nbsp;&nbsp;&nbsp;**Profitability:** <br>&nbsp;&nbsp;&nbsp;&nbsp;• Disciplined expense management; efficiency ratio<sup>(a)</sup> of 56.2%; adjusted efficiency ratio<sup>(a)</sup> of 55.5%, an improvement of 130 bps year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Net interest margin expanded for the 6th consecutive quarter<br>&nbsp;&nbsp;&nbsp;&nbsp;• Adjusted ROTCE ex. AOCI<sup>(a)</sup> of 13.9% and adjusted ROA<sup>(a)</sup> of 1.22%<br>&nbsp;&nbsp;&nbsp;&nbsp;**Growth:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• 5% loan growth compared to 2Q24; annual loan growth reaches highest level in over two years<br>&nbsp;&nbsp;&nbsp;&nbsp;• Consumer household growth of 2%, including 6% in the Southeast<br>&nbsp;&nbsp;&nbsp;&nbsp;• Assets under management of $73B, up 12% compared to 2Q24 |
|  |  |  |  |  |  |  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Stability:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• Net charge-off ratio<sup>(b)</sup> declined 1 bp sequentially and 4 bps compared to 2Q24; NPAs decreased 11% sequentially, including commercial NPAs down 18%<br>&nbsp;&nbsp;&nbsp;&nbsp;• Interest-bearing liabilities costs down 2 bps compared to 1Q25; 4% DDA growth year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Strong profitability resulted in CET1 increasing 13 bps to 10.56%<br>&nbsp;&nbsp;&nbsp;&nbsp;**Profitability:** <br>&nbsp;&nbsp;&nbsp;&nbsp;• Disciplined expense management; efficiency ratio<sup>(a)</sup> of 56.2%; adjusted efficiency ratio<sup>(a)</sup> of 55.5%, an improvement of 130 bps year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Net interest margin expanded for the 6th consecutive quarter<br>&nbsp;&nbsp;&nbsp;&nbsp;• Adjusted ROTCE ex. AOCI<sup>(a)</sup> of 13.9% and adjusted ROA<sup>(a)</sup> of 1.22%<br>&nbsp;&nbsp;&nbsp;&nbsp;**Growth:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• 5% loan growth compared to 2Q24; annual loan growth reaches highest level in over two years<br>&nbsp;&nbsp;&nbsp;&nbsp;• Consumer household growth of 2%, including 6% in the Southeast<br>&nbsp;&nbsp;&nbsp;&nbsp;• Assets under management of $73B, up 12% compared to 2Q24 |
| **Per Share Data** |  |  |  |  |  |  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Stability:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• Net charge-off ratio<sup>(b)</sup> declined 1 bp sequentially and 4 bps compared to 2Q24; NPAs decreased 11% sequentially, including commercial NPAs down 18%<br>&nbsp;&nbsp;&nbsp;&nbsp;• Interest-bearing liabilities costs down 2 bps compared to 1Q25; 4% DDA growth year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Strong profitability resulted in CET1 increasing 13 bps to 10.56%<br>&nbsp;&nbsp;&nbsp;&nbsp;**Profitability:** <br>&nbsp;&nbsp;&nbsp;&nbsp;• Disciplined expense management; efficiency ratio<sup>(a)</sup> of 56.2%; adjusted efficiency ratio<sup>(a)</sup> of 55.5%, an improvement of 130 bps year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Net interest margin expanded for the 6th consecutive quarter<br>&nbsp;&nbsp;&nbsp;&nbsp;• Adjusted ROTCE ex. AOCI<sup>(a)</sup> of 13.9% and adjusted ROA<sup>(a)</sup> of 1.22%<br>&nbsp;&nbsp;&nbsp;&nbsp;**Growth:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• 5% loan growth compared to 2Q24; annual loan growth reaches highest level in over two years<br>&nbsp;&nbsp;&nbsp;&nbsp;• Consumer household growth of 2%, including 6% in the Southeast<br>&nbsp;&nbsp;&nbsp;&nbsp;• Assets under management of $73B, up 12% compared to 2Q24 |
| Earnings per share, basic | $0.88 |  | $0.71 |  | $0.82 |  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Stability:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• Net charge-off ratio<sup>(b)</sup> declined 1 bp sequentially and 4 bps compared to 2Q24; NPAs decreased 11% sequentially, including commercial NPAs down 18%<br>&nbsp;&nbsp;&nbsp;&nbsp;• Interest-bearing liabilities costs down 2 bps compared to 1Q25; 4% DDA growth year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Strong profitability resulted in CET1 increasing 13 bps to 10.56%<br>&nbsp;&nbsp;&nbsp;&nbsp;**Profitability:** <br>&nbsp;&nbsp;&nbsp;&nbsp;• Disciplined expense management; efficiency ratio<sup>(a)</sup> of 56.2%; adjusted efficiency ratio<sup>(a)</sup> of 55.5%, an improvement of 130 bps year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Net interest margin expanded for the 6th consecutive quarter<br>&nbsp;&nbsp;&nbsp;&nbsp;• Adjusted ROTCE ex. AOCI<sup>(a)</sup> of 13.9% and adjusted ROA<sup>(a)</sup> of 1.22%<br>&nbsp;&nbsp;&nbsp;&nbsp;**Growth:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• 5% loan growth compared to 2Q24; annual loan growth reaches highest level in over two years<br>&nbsp;&nbsp;&nbsp;&nbsp;• Consumer household growth of 2%, including 6% in the Southeast<br>&nbsp;&nbsp;&nbsp;&nbsp;• Assets under management of $73B, up 12% compared to 2Q24 |
| Earnings per share, diluted | 0.88 |  | 0.71 |  | 0.81 |  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Stability:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• Net charge-off ratio<sup>(b)</sup> declined 1 bp sequentially and 4 bps compared to 2Q24; NPAs decreased 11% sequentially, including commercial NPAs down 18%<br>&nbsp;&nbsp;&nbsp;&nbsp;• Interest-bearing liabilities costs down 2 bps compared to 1Q25; 4% DDA growth year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Strong profitability resulted in CET1 increasing 13 bps to 10.56%<br>&nbsp;&nbsp;&nbsp;&nbsp;**Profitability:** <br>&nbsp;&nbsp;&nbsp;&nbsp;• Disciplined expense management; efficiency ratio<sup>(a)</sup> of 56.2%; adjusted efficiency ratio<sup>(a)</sup> of 55.5%, an improvement of 130 bps year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Net interest margin expanded for the 6th consecutive quarter<br>&nbsp;&nbsp;&nbsp;&nbsp;• Adjusted ROTCE ex. AOCI<sup>(a)</sup> of 13.9% and adjusted ROA<sup>(a)</sup> of 1.22%<br>&nbsp;&nbsp;&nbsp;&nbsp;**Growth:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• 5% loan growth compared to 2Q24; annual loan growth reaches highest level in over two years<br>&nbsp;&nbsp;&nbsp;&nbsp;• Consumer household growth of 2%, including 6% in the Southeast<br>&nbsp;&nbsp;&nbsp;&nbsp;• Assets under management of $73B, up 12% compared to 2Q24 |
| Book value per share | 28.47 |  | 27.41 |  | 25.13 |  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Stability:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• Net charge-off ratio<sup>(b)</sup> declined 1 bp sequentially and 4 bps compared to 2Q24; NPAs decreased 11% sequentially, including commercial NPAs down 18%<br>&nbsp;&nbsp;&nbsp;&nbsp;• Interest-bearing liabilities costs down 2 bps compared to 1Q25; 4% DDA growth year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Strong profitability resulted in CET1 increasing 13 bps to 10.56%<br>&nbsp;&nbsp;&nbsp;&nbsp;**Profitability:** <br>&nbsp;&nbsp;&nbsp;&nbsp;• Disciplined expense management; efficiency ratio<sup>(a)</sup> of 56.2%; adjusted efficiency ratio<sup>(a)</sup> of 55.5%, an improvement of 130 bps year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Net interest margin expanded for the 6th consecutive quarter<br>&nbsp;&nbsp;&nbsp;&nbsp;• Adjusted ROTCE ex. AOCI<sup>(a)</sup> of 13.9% and adjusted ROA<sup>(a)</sup> of 1.22%<br>&nbsp;&nbsp;&nbsp;&nbsp;**Growth:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• 5% loan growth compared to 2Q24; annual loan growth reaches highest level in over two years<br>&nbsp;&nbsp;&nbsp;&nbsp;• Consumer household growth of 2%, including 6% in the Southeast<br>&nbsp;&nbsp;&nbsp;&nbsp;• Assets under management of $73B, up 12% compared to 2Q24 |
| Tangible book value per share<sup>(a)</sup> | 20.98 |  | 19.92 |  | 17.75 |  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Stability:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• Net charge-off ratio<sup>(b)</sup> declined 1 bp sequentially and 4 bps compared to 2Q24; NPAs decreased 11% sequentially, including commercial NPAs down 18%<br>&nbsp;&nbsp;&nbsp;&nbsp;• Interest-bearing liabilities costs down 2 bps compared to 1Q25; 4% DDA growth year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Strong profitability resulted in CET1 increasing 13 bps to 10.56%<br>&nbsp;&nbsp;&nbsp;&nbsp;**Profitability:** <br>&nbsp;&nbsp;&nbsp;&nbsp;• Disciplined expense management; efficiency ratio<sup>(a)</sup> of 56.2%; adjusted efficiency ratio<sup>(a)</sup> of 55.5%, an improvement of 130 bps year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Net interest margin expanded for the 6th consecutive quarter<br>&nbsp;&nbsp;&nbsp;&nbsp;• Adjusted ROTCE ex. AOCI<sup>(a)</sup> of 13.9% and adjusted ROA<sup>(a)</sup> of 1.22%<br>&nbsp;&nbsp;&nbsp;&nbsp;**Growth:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• 5% loan growth compared to 2Q24; annual loan growth reaches highest level in over two years<br>&nbsp;&nbsp;&nbsp;&nbsp;• Consumer household growth of 2%, including 6% in the Southeast<br>&nbsp;&nbsp;&nbsp;&nbsp;• Assets under management of $73B, up 12% compared to 2Q24 |
|  |  |  |  |  |  |  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Stability:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• Net charge-off ratio<sup>(b)</sup> declined 1 bp sequentially and 4 bps compared to 2Q24; NPAs decreased 11% sequentially, including commercial NPAs down 18%<br>&nbsp;&nbsp;&nbsp;&nbsp;• Interest-bearing liabilities costs down 2 bps compared to 1Q25; 4% DDA growth year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Strong profitability resulted in CET1 increasing 13 bps to 10.56%<br>&nbsp;&nbsp;&nbsp;&nbsp;**Profitability:** <br>&nbsp;&nbsp;&nbsp;&nbsp;• Disciplined expense management; efficiency ratio<sup>(a)</sup> of 56.2%; adjusted efficiency ratio<sup>(a)</sup> of 55.5%, an improvement of 130 bps year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Net interest margin expanded for the 6th consecutive quarter<br>&nbsp;&nbsp;&nbsp;&nbsp;• Adjusted ROTCE ex. AOCI<sup>(a)</sup> of 13.9% and adjusted ROA<sup>(a)</sup> of 1.22%<br>&nbsp;&nbsp;&nbsp;&nbsp;**Growth:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• 5% loan growth compared to 2Q24; annual loan growth reaches highest level in over two years<br>&nbsp;&nbsp;&nbsp;&nbsp;• Consumer household growth of 2%, including 6% in the Southeast<br>&nbsp;&nbsp;&nbsp;&nbsp;• Assets under management of $73B, up 12% compared to 2Q24 |
| **Balance Sheet & Credit Quality** |  |  |  |  |  |  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Stability:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• Net charge-off ratio<sup>(b)</sup> declined 1 bp sequentially and 4 bps compared to 2Q24; NPAs decreased 11% sequentially, including commercial NPAs down 18%<br>&nbsp;&nbsp;&nbsp;&nbsp;• Interest-bearing liabilities costs down 2 bps compared to 1Q25; 4% DDA growth year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Strong profitability resulted in CET1 increasing 13 bps to 10.56%<br>&nbsp;&nbsp;&nbsp;&nbsp;**Profitability:** <br>&nbsp;&nbsp;&nbsp;&nbsp;• Disciplined expense management; efficiency ratio<sup>(a)</sup> of 56.2%; adjusted efficiency ratio<sup>(a)</sup> of 55.5%, an improvement of 130 bps year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Net interest margin expanded for the 6th consecutive quarter<br>&nbsp;&nbsp;&nbsp;&nbsp;• Adjusted ROTCE ex. AOCI<sup>(a)</sup> of 13.9% and adjusted ROA<sup>(a)</sup> of 1.22%<br>&nbsp;&nbsp;&nbsp;&nbsp;**Growth:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• 5% loan growth compared to 2Q24; annual loan growth reaches highest level in over two years<br>&nbsp;&nbsp;&nbsp;&nbsp;• Consumer household growth of 2%, including 6% in the Southeast<br>&nbsp;&nbsp;&nbsp;&nbsp;• Assets under management of $73B, up 12% compared to 2Q24 |
| Average portfolio loans and leases | $123071 |  | $121272 |  | $116891 |  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Stability:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• Net charge-off ratio<sup>(b)</sup> declined 1 bp sequentially and 4 bps compared to 2Q24; NPAs decreased 11% sequentially, including commercial NPAs down 18%<br>&nbsp;&nbsp;&nbsp;&nbsp;• Interest-bearing liabilities costs down 2 bps compared to 1Q25; 4% DDA growth year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Strong profitability resulted in CET1 increasing 13 bps to 10.56%<br>&nbsp;&nbsp;&nbsp;&nbsp;**Profitability:** <br>&nbsp;&nbsp;&nbsp;&nbsp;• Disciplined expense management; efficiency ratio<sup>(a)</sup> of 56.2%; adjusted efficiency ratio<sup>(a)</sup> of 55.5%, an improvement of 130 bps year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Net interest margin expanded for the 6th consecutive quarter<br>&nbsp;&nbsp;&nbsp;&nbsp;• Adjusted ROTCE ex. AOCI<sup>(a)</sup> of 13.9% and adjusted ROA<sup>(a)</sup> of 1.22%<br>&nbsp;&nbsp;&nbsp;&nbsp;**Growth:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• 5% loan growth compared to 2Q24; annual loan growth reaches highest level in over two years<br>&nbsp;&nbsp;&nbsp;&nbsp;• Consumer household growth of 2%, including 6% in the Southeast<br>&nbsp;&nbsp;&nbsp;&nbsp;• Assets under management of $73B, up 12% compared to 2Q24 |
| Average deposits | 163575 |  | 164157 |  | 167194 |  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Stability:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• Net charge-off ratio<sup>(b)</sup> declined 1 bp sequentially and 4 bps compared to 2Q24; NPAs decreased 11% sequentially, including commercial NPAs down 18%<br>&nbsp;&nbsp;&nbsp;&nbsp;• Interest-bearing liabilities costs down 2 bps compared to 1Q25; 4% DDA growth year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Strong profitability resulted in CET1 increasing 13 bps to 10.56%<br>&nbsp;&nbsp;&nbsp;&nbsp;**Profitability:** <br>&nbsp;&nbsp;&nbsp;&nbsp;• Disciplined expense management; efficiency ratio<sup>(a)</sup> of 56.2%; adjusted efficiency ratio<sup>(a)</sup> of 55.5%, an improvement of 130 bps year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Net interest margin expanded for the 6th consecutive quarter<br>&nbsp;&nbsp;&nbsp;&nbsp;• Adjusted ROTCE ex. AOCI<sup>(a)</sup> of 13.9% and adjusted ROA<sup>(a)</sup> of 1.22%<br>&nbsp;&nbsp;&nbsp;&nbsp;**Growth:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• 5% loan growth compared to 2Q24; annual loan growth reaches highest level in over two years<br>&nbsp;&nbsp;&nbsp;&nbsp;• Consumer household growth of 2%, including 6% in the Southeast<br>&nbsp;&nbsp;&nbsp;&nbsp;• Assets under management of $73B, up 12% compared to 2Q24 |
| Accumulated other comprehensive loss | (3546) |  | (3895) |  | (4901) |  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Stability:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• Net charge-off ratio<sup>(b)</sup> declined 1 bp sequentially and 4 bps compared to 2Q24; NPAs decreased 11% sequentially, including commercial NPAs down 18%<br>&nbsp;&nbsp;&nbsp;&nbsp;• Interest-bearing liabilities costs down 2 bps compared to 1Q25; 4% DDA growth year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Strong profitability resulted in CET1 increasing 13 bps to 10.56%<br>&nbsp;&nbsp;&nbsp;&nbsp;**Profitability:** <br>&nbsp;&nbsp;&nbsp;&nbsp;• Disciplined expense management; efficiency ratio<sup>(a)</sup> of 56.2%; adjusted efficiency ratio<sup>(a)</sup> of 55.5%, an improvement of 130 bps year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Net interest margin expanded for the 6th consecutive quarter<br>&nbsp;&nbsp;&nbsp;&nbsp;• Adjusted ROTCE ex. AOCI<sup>(a)</sup> of 13.9% and adjusted ROA<sup>(a)</sup> of 1.22%<br>&nbsp;&nbsp;&nbsp;&nbsp;**Growth:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• 5% loan growth compared to 2Q24; annual loan growth reaches highest level in over two years<br>&nbsp;&nbsp;&nbsp;&nbsp;• Consumer household growth of 2%, including 6% in the Southeast<br>&nbsp;&nbsp;&nbsp;&nbsp;• Assets under management of $73B, up 12% compared to 2Q24 |
| Net charge-off ratio<sup>(b)</sup> | 0.45 | % | 0.46 | % | 0.49 | % | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Stability:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• Net charge-off ratio<sup>(b)</sup> declined 1 bp sequentially and 4 bps compared to 2Q24; NPAs decreased 11% sequentially, including commercial NPAs down 18%<br>&nbsp;&nbsp;&nbsp;&nbsp;• Interest-bearing liabilities costs down 2 bps compared to 1Q25; 4% DDA growth year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Strong profitability resulted in CET1 increasing 13 bps to 10.56%<br>&nbsp;&nbsp;&nbsp;&nbsp;**Profitability:** <br>&nbsp;&nbsp;&nbsp;&nbsp;• Disciplined expense management; efficiency ratio<sup>(a)</sup> of 56.2%; adjusted efficiency ratio<sup>(a)</sup> of 55.5%, an improvement of 130 bps year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Net interest margin expanded for the 6th consecutive quarter<br>&nbsp;&nbsp;&nbsp;&nbsp;• Adjusted ROTCE ex. AOCI<sup>(a)</sup> of 13.9% and adjusted ROA<sup>(a)</sup> of 1.22%<br>&nbsp;&nbsp;&nbsp;&nbsp;**Growth:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• 5% loan growth compared to 2Q24; annual loan growth reaches highest level in over two years<br>&nbsp;&nbsp;&nbsp;&nbsp;• Consumer household growth of 2%, including 6% in the Southeast<br>&nbsp;&nbsp;&nbsp;&nbsp;• Assets under management of $73B, up 12% compared to 2Q24 |
| Nonperforming asset ratio<sup>(c)</sup> | 0.72 |  | 0.81 |  | 0.55 |  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Stability:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• Net charge-off ratio<sup>(b)</sup> declined 1 bp sequentially and 4 bps compared to 2Q24; NPAs decreased 11% sequentially, including commercial NPAs down 18%<br>&nbsp;&nbsp;&nbsp;&nbsp;• Interest-bearing liabilities costs down 2 bps compared to 1Q25; 4% DDA growth year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Strong profitability resulted in CET1 increasing 13 bps to 10.56%<br>&nbsp;&nbsp;&nbsp;&nbsp;**Profitability:** <br>&nbsp;&nbsp;&nbsp;&nbsp;• Disciplined expense management; efficiency ratio<sup>(a)</sup> of 56.2%; adjusted efficiency ratio<sup>(a)</sup> of 55.5%, an improvement of 130 bps year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Net interest margin expanded for the 6th consecutive quarter<br>&nbsp;&nbsp;&nbsp;&nbsp;• Adjusted ROTCE ex. AOCI<sup>(a)</sup> of 13.9% and adjusted ROA<sup>(a)</sup> of 1.22%<br>&nbsp;&nbsp;&nbsp;&nbsp;**Growth:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• 5% loan growth compared to 2Q24; annual loan growth reaches highest level in over two years<br>&nbsp;&nbsp;&nbsp;&nbsp;• Consumer household growth of 2%, including 6% in the Southeast<br>&nbsp;&nbsp;&nbsp;&nbsp;• Assets under management of $73B, up 12% compared to 2Q24 |
|  |  |  |  |  |  |  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Stability:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• Net charge-off ratio<sup>(b)</sup> declined 1 bp sequentially and 4 bps compared to 2Q24; NPAs decreased 11% sequentially, including commercial NPAs down 18%<br>&nbsp;&nbsp;&nbsp;&nbsp;• Interest-bearing liabilities costs down 2 bps compared to 1Q25; 4% DDA growth year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Strong profitability resulted in CET1 increasing 13 bps to 10.56%<br>&nbsp;&nbsp;&nbsp;&nbsp;**Profitability:** <br>&nbsp;&nbsp;&nbsp;&nbsp;• Disciplined expense management; efficiency ratio<sup>(a)</sup> of 56.2%; adjusted efficiency ratio<sup>(a)</sup> of 55.5%, an improvement of 130 bps year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Net interest margin expanded for the 6th consecutive quarter<br>&nbsp;&nbsp;&nbsp;&nbsp;• Adjusted ROTCE ex. AOCI<sup>(a)</sup> of 13.9% and adjusted ROA<sup>(a)</sup> of 1.22%<br>&nbsp;&nbsp;&nbsp;&nbsp;**Growth:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• 5% loan growth compared to 2Q24; annual loan growth reaches highest level in over two years<br>&nbsp;&nbsp;&nbsp;&nbsp;• Consumer household growth of 2%, including 6% in the Southeast<br>&nbsp;&nbsp;&nbsp;&nbsp;• Assets under management of $73B, up 12% compared to 2Q24 |
| **Financial Ratios** |  |  |  |  |  |  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Stability:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• Net charge-off ratio<sup>(b)</sup> declined 1 bp sequentially and 4 bps compared to 2Q24; NPAs decreased 11% sequentially, including commercial NPAs down 18%<br>&nbsp;&nbsp;&nbsp;&nbsp;• Interest-bearing liabilities costs down 2 bps compared to 1Q25; 4% DDA growth year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Strong profitability resulted in CET1 increasing 13 bps to 10.56%<br>&nbsp;&nbsp;&nbsp;&nbsp;**Profitability:** <br>&nbsp;&nbsp;&nbsp;&nbsp;• Disciplined expense management; efficiency ratio<sup>(a)</sup> of 56.2%; adjusted efficiency ratio<sup>(a)</sup> of 55.5%, an improvement of 130 bps year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Net interest margin expanded for the 6th consecutive quarter<br>&nbsp;&nbsp;&nbsp;&nbsp;• Adjusted ROTCE ex. AOCI<sup>(a)</sup> of 13.9% and adjusted ROA<sup>(a)</sup> of 1.22%<br>&nbsp;&nbsp;&nbsp;&nbsp;**Growth:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• 5% loan growth compared to 2Q24; annual loan growth reaches highest level in over two years<br>&nbsp;&nbsp;&nbsp;&nbsp;• Consumer household growth of 2%, including 6% in the Southeast<br>&nbsp;&nbsp;&nbsp;&nbsp;• Assets under management of $73B, up 12% compared to 2Q24 |
| Return on average assets | 1.20 | % | 0.99 | % | 1.14 | % | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Stability:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• Net charge-off ratio<sup>(b)</sup> declined 1 bp sequentially and 4 bps compared to 2Q24; NPAs decreased 11% sequentially, including commercial NPAs down 18%<br>&nbsp;&nbsp;&nbsp;&nbsp;• Interest-bearing liabilities costs down 2 bps compared to 1Q25; 4% DDA growth year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Strong profitability resulted in CET1 increasing 13 bps to 10.56%<br>&nbsp;&nbsp;&nbsp;&nbsp;**Profitability:** <br>&nbsp;&nbsp;&nbsp;&nbsp;• Disciplined expense management; efficiency ratio<sup>(a)</sup> of 56.2%; adjusted efficiency ratio<sup>(a)</sup> of 55.5%, an improvement of 130 bps year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Net interest margin expanded for the 6th consecutive quarter<br>&nbsp;&nbsp;&nbsp;&nbsp;• Adjusted ROTCE ex. AOCI<sup>(a)</sup> of 13.9% and adjusted ROA<sup>(a)</sup> of 1.22%<br>&nbsp;&nbsp;&nbsp;&nbsp;**Growth:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• 5% loan growth compared to 2Q24; annual loan growth reaches highest level in over two years<br>&nbsp;&nbsp;&nbsp;&nbsp;• Consumer household growth of 2%, including 6% in the Southeast<br>&nbsp;&nbsp;&nbsp;&nbsp;• Assets under management of $73B, up 12% compared to 2Q24 |
| Return on average common equity | 12.8 |  | 10.8 |  | 13.6 |  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Stability:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• Net charge-off ratio<sup>(b)</sup> declined 1 bp sequentially and 4 bps compared to 2Q24; NPAs decreased 11% sequentially, including commercial NPAs down 18%<br>&nbsp;&nbsp;&nbsp;&nbsp;• Interest-bearing liabilities costs down 2 bps compared to 1Q25; 4% DDA growth year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Strong profitability resulted in CET1 increasing 13 bps to 10.56%<br>&nbsp;&nbsp;&nbsp;&nbsp;**Profitability:** <br>&nbsp;&nbsp;&nbsp;&nbsp;• Disciplined expense management; efficiency ratio<sup>(a)</sup> of 56.2%; adjusted efficiency ratio<sup>(a)</sup> of 55.5%, an improvement of 130 bps year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Net interest margin expanded for the 6th consecutive quarter<br>&nbsp;&nbsp;&nbsp;&nbsp;• Adjusted ROTCE ex. AOCI<sup>(a)</sup> of 13.9% and adjusted ROA<sup>(a)</sup> of 1.22%<br>&nbsp;&nbsp;&nbsp;&nbsp;**Growth:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• 5% loan growth compared to 2Q24; annual loan growth reaches highest level in over two years<br>&nbsp;&nbsp;&nbsp;&nbsp;• Consumer household growth of 2%, including 6% in the Southeast<br>&nbsp;&nbsp;&nbsp;&nbsp;• Assets under management of $73B, up 12% compared to 2Q24 |
| Return on average tangible common equity<sup>(a)</sup> | 17.6 |  | 15.2 |  | 19.8 |  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Stability:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• Net charge-off ratio<sup>(b)</sup> declined 1 bp sequentially and 4 bps compared to 2Q24; NPAs decreased 11% sequentially, including commercial NPAs down 18%<br>&nbsp;&nbsp;&nbsp;&nbsp;• Interest-bearing liabilities costs down 2 bps compared to 1Q25; 4% DDA growth year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Strong profitability resulted in CET1 increasing 13 bps to 10.56%<br>&nbsp;&nbsp;&nbsp;&nbsp;**Profitability:** <br>&nbsp;&nbsp;&nbsp;&nbsp;• Disciplined expense management; efficiency ratio<sup>(a)</sup> of 56.2%; adjusted efficiency ratio<sup>(a)</sup> of 55.5%, an improvement of 130 bps year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Net interest margin expanded for the 6th consecutive quarter<br>&nbsp;&nbsp;&nbsp;&nbsp;• Adjusted ROTCE ex. AOCI<sup>(a)</sup> of 13.9% and adjusted ROA<sup>(a)</sup> of 1.22%<br>&nbsp;&nbsp;&nbsp;&nbsp;**Growth:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• 5% loan growth compared to 2Q24; annual loan growth reaches highest level in over two years<br>&nbsp;&nbsp;&nbsp;&nbsp;• Consumer household growth of 2%, including 6% in the Southeast<br>&nbsp;&nbsp;&nbsp;&nbsp;• Assets under management of $73B, up 12% compared to 2Q24 |
| CET1 capital<sup>(d)(e)</sup> | 10.56 |  | 10.43 |  | 10.62 |  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Stability:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• Net charge-off ratio<sup>(b)</sup> declined 1 bp sequentially and 4 bps compared to 2Q24; NPAs decreased 11% sequentially, including commercial NPAs down 18%<br>&nbsp;&nbsp;&nbsp;&nbsp;• Interest-bearing liabilities costs down 2 bps compared to 1Q25; 4% DDA growth year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Strong profitability resulted in CET1 increasing 13 bps to 10.56%<br>&nbsp;&nbsp;&nbsp;&nbsp;**Profitability:** <br>&nbsp;&nbsp;&nbsp;&nbsp;• Disciplined expense management; efficiency ratio<sup>(a)</sup> of 56.2%; adjusted efficiency ratio<sup>(a)</sup> of 55.5%, an improvement of 130 bps year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Net interest margin expanded for the 6th consecutive quarter<br>&nbsp;&nbsp;&nbsp;&nbsp;• Adjusted ROTCE ex. AOCI<sup>(a)</sup> of 13.9% and adjusted ROA<sup>(a)</sup> of 1.22%<br>&nbsp;&nbsp;&nbsp;&nbsp;**Growth:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• 5% loan growth compared to 2Q24; annual loan growth reaches highest level in over two years<br>&nbsp;&nbsp;&nbsp;&nbsp;• Consumer household growth of 2%, including 6% in the Southeast<br>&nbsp;&nbsp;&nbsp;&nbsp;• Assets under management of $73B, up 12% compared to 2Q24 |
| Net interest margin<sup>(a)</sup> | 3.12 |  | 3.03 |  | 2.88 |  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Stability:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• Net charge-off ratio<sup>(b)</sup> declined 1 bp sequentially and 4 bps compared to 2Q24; NPAs decreased 11% sequentially, including commercial NPAs down 18%<br>&nbsp;&nbsp;&nbsp;&nbsp;• Interest-bearing liabilities costs down 2 bps compared to 1Q25; 4% DDA growth year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Strong profitability resulted in CET1 increasing 13 bps to 10.56%<br>&nbsp;&nbsp;&nbsp;&nbsp;**Profitability:** <br>&nbsp;&nbsp;&nbsp;&nbsp;• Disciplined expense management; efficiency ratio<sup>(a)</sup> of 56.2%; adjusted efficiency ratio<sup>(a)</sup> of 55.5%, an improvement of 130 bps year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Net interest margin expanded for the 6th consecutive quarter<br>&nbsp;&nbsp;&nbsp;&nbsp;• Adjusted ROTCE ex. AOCI<sup>(a)</sup> of 13.9% and adjusted ROA<sup>(a)</sup> of 1.22%<br>&nbsp;&nbsp;&nbsp;&nbsp;**Growth:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• 5% loan growth compared to 2Q24; annual loan growth reaches highest level in over two years<br>&nbsp;&nbsp;&nbsp;&nbsp;• Consumer household growth of 2%, including 6% in the Southeast<br>&nbsp;&nbsp;&nbsp;&nbsp;• Assets under management of $73B, up 12% compared to 2Q24 |
| Efficiency<sup>(a)</sup> | 56.2 |  | 61.0 |  | 58.5 |  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Stability:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• Net charge-off ratio<sup>(b)</sup> declined 1 bp sequentially and 4 bps compared to 2Q24; NPAs decreased 11% sequentially, including commercial NPAs down 18%<br>&nbsp;&nbsp;&nbsp;&nbsp;• Interest-bearing liabilities costs down 2 bps compared to 1Q25; 4% DDA growth year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Strong profitability resulted in CET1 increasing 13 bps to 10.56%<br>&nbsp;&nbsp;&nbsp;&nbsp;**Profitability:** <br>&nbsp;&nbsp;&nbsp;&nbsp;• Disciplined expense management; efficiency ratio<sup>(a)</sup> of 56.2%; adjusted efficiency ratio<sup>(a)</sup> of 55.5%, an improvement of 130 bps year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Net interest margin expanded for the 6th consecutive quarter<br>&nbsp;&nbsp;&nbsp;&nbsp;• Adjusted ROTCE ex. AOCI<sup>(a)</sup> of 13.9% and adjusted ROA<sup>(a)</sup> of 1.22%<br>&nbsp;&nbsp;&nbsp;&nbsp;**Growth:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• 5% loan growth compared to 2Q24; annual loan growth reaches highest level in over two years<br>&nbsp;&nbsp;&nbsp;&nbsp;• Consumer household growth of 2%, including 6% in the Southeast<br>&nbsp;&nbsp;&nbsp;&nbsp;• Assets under management of $73B, up 12% compared to 2Q24 |
| *Other than the Quarterly Financial Review tables beginning on page 13, commentary is on a fully taxable-equivalent (FTE) basis unless otherwise noted. Consistent with SEC guidance in Regulation S-K that contemplates the calculation of tax-exempt income on a taxable-equivalent basis, net interest income, net interest margin, net interest rate spread, total revenue and the efficiency ratio are provided on an FTE basis.* | *Other than the Quarterly Financial Review tables beginning on page 13, commentary is on a fully taxable-equivalent (FTE) basis unless otherwise noted. Consistent with SEC guidance in Regulation S-K that contemplates the calculation of tax-exempt income on a taxable-equivalent basis, net interest income, net interest margin, net interest rate spread, total revenue and the efficiency ratio are provided on an FTE basis.* | *Other than the Quarterly Financial Review tables beginning on page 13, commentary is on a fully taxable-equivalent (FTE) basis unless otherwise noted. Consistent with SEC guidance in Regulation S-K that contemplates the calculation of tax-exempt income on a taxable-equivalent basis, net interest income, net interest margin, net interest rate spread, total revenue and the efficiency ratio are provided on an FTE basis.* | *Other than the Quarterly Financial Review tables beginning on page 13, commentary is on a fully taxable-equivalent (FTE) basis unless otherwise noted. Consistent with SEC guidance in Regulation S-K that contemplates the calculation of tax-exempt income on a taxable-equivalent basis, net interest income, net interest margin, net interest rate spread, total revenue and the efficiency ratio are provided on an FTE basis.* | *Other than the Quarterly Financial Review tables beginning on page 13, commentary is on a fully taxable-equivalent (FTE) basis unless otherwise noted. Consistent with SEC guidance in Regulation S-K that contemplates the calculation of tax-exempt income on a taxable-equivalent basis, net interest income, net interest margin, net interest rate spread, total revenue and the efficiency ratio are provided on an FTE basis.* | *Other than the Quarterly Financial Review tables beginning on page 13, commentary is on a fully taxable-equivalent (FTE) basis unless otherwise noted. Consistent with SEC guidance in Regulation S-K that contemplates the calculation of tax-exempt income on a taxable-equivalent basis, net interest income, net interest margin, net interest rate spread, total revenue and the efficiency ratio are provided on an FTE basis.* | *Other than the Quarterly Financial Review tables beginning on page 13, commentary is on a fully taxable-equivalent (FTE) basis unless otherwise noted. Consistent with SEC guidance in Regulation S-K that contemplates the calculation of tax-exempt income on a taxable-equivalent basis, net interest income, net interest margin, net interest rate spread, total revenue and the efficiency ratio are provided on an FTE basis.* | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Stability:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• Net charge-off ratio<sup>(b)</sup> declined 1 bp sequentially and 4 bps compared to 2Q24; NPAs decreased 11% sequentially, including commercial NPAs down 18%<br>&nbsp;&nbsp;&nbsp;&nbsp;• Interest-bearing liabilities costs down 2 bps compared to 1Q25; 4% DDA growth year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Strong profitability resulted in CET1 increasing 13 bps to 10.56%<br>&nbsp;&nbsp;&nbsp;&nbsp;**Profitability:** <br>&nbsp;&nbsp;&nbsp;&nbsp;• Disciplined expense management; efficiency ratio<sup>(a)</sup> of 56.2%; adjusted efficiency ratio<sup>(a)</sup> of 55.5%, an improvement of 130 bps year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Net interest margin expanded for the 6th consecutive quarter<br>&nbsp;&nbsp;&nbsp;&nbsp;• Adjusted ROTCE ex. AOCI<sup>(a)</sup> of 13.9% and adjusted ROA<sup>(a)</sup> of 1.22%<br>&nbsp;&nbsp;&nbsp;&nbsp;**Growth:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• 5% loan growth compared to 2Q24; annual loan growth reaches highest level in over two years<br>&nbsp;&nbsp;&nbsp;&nbsp;• Consumer household growth of 2%, including 6% in the Southeast<br>&nbsp;&nbsp;&nbsp;&nbsp;• Assets under management of $73B, up 12% compared to 2Q24 |
| *Other than the Quarterly Financial Review tables beginning on page 13, commentary is on a fully taxable-equivalent (FTE) basis unless otherwise noted. Consistent with SEC guidance in Regulation S-K that contemplates the calculation of tax-exempt income on a taxable-equivalent basis, net interest income, net interest margin, net interest rate spread, total revenue and the efficiency ratio are provided on an FTE basis.* | *Other than the Quarterly Financial Review tables beginning on page 13, commentary is on a fully taxable-equivalent (FTE) basis unless otherwise noted. Consistent with SEC guidance in Regulation S-K that contemplates the calculation of tax-exempt income on a taxable-equivalent basis, net interest income, net interest margin, net interest rate spread, total revenue and the efficiency ratio are provided on an FTE basis.* | *Other than the Quarterly Financial Review tables beginning on page 13, commentary is on a fully taxable-equivalent (FTE) basis unless otherwise noted. Consistent with SEC guidance in Regulation S-K that contemplates the calculation of tax-exempt income on a taxable-equivalent basis, net interest income, net interest margin, net interest rate spread, total revenue and the efficiency ratio are provided on an FTE basis.* | *Other than the Quarterly Financial Review tables beginning on page 13, commentary is on a fully taxable-equivalent (FTE) basis unless otherwise noted. Consistent with SEC guidance in Regulation S-K that contemplates the calculation of tax-exempt income on a taxable-equivalent basis, net interest income, net interest margin, net interest rate spread, total revenue and the efficiency ratio are provided on an FTE basis.* | *Other than the Quarterly Financial Review tables beginning on page 13, commentary is on a fully taxable-equivalent (FTE) basis unless otherwise noted. Consistent with SEC guidance in Regulation S-K that contemplates the calculation of tax-exempt income on a taxable-equivalent basis, net interest income, net interest margin, net interest rate spread, total revenue and the efficiency ratio are provided on an FTE basis.* | *Other than the Quarterly Financial Review tables beginning on page 13, commentary is on a fully taxable-equivalent (FTE) basis unless otherwise noted. Consistent with SEC guidance in Regulation S-K that contemplates the calculation of tax-exempt income on a taxable-equivalent basis, net interest income, net interest margin, net interest rate spread, total revenue and the efficiency ratio are provided on an FTE basis.* | *Other than the Quarterly Financial Review tables beginning on page 13, commentary is on a fully taxable-equivalent (FTE) basis unless otherwise noted. Consistent with SEC guidance in Regulation S-K that contemplates the calculation of tax-exempt income on a taxable-equivalent basis, net interest income, net interest margin, net interest rate spread, total revenue and the efficiency ratio are provided on an FTE basis.* | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Stability:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• Net charge-off ratio<sup>(b)</sup> declined 1 bp sequentially and 4 bps compared to 2Q24; NPAs decreased 11% sequentially, including commercial NPAs down 18%<br>&nbsp;&nbsp;&nbsp;&nbsp;• Interest-bearing liabilities costs down 2 bps compared to 1Q25; 4% DDA growth year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Strong profitability resulted in CET1 increasing 13 bps to 10.56%<br>&nbsp;&nbsp;&nbsp;&nbsp;**Profitability:** <br>&nbsp;&nbsp;&nbsp;&nbsp;• Disciplined expense management; efficiency ratio<sup>(a)</sup> of 56.2%; adjusted efficiency ratio<sup>(a)</sup> of 55.5%, an improvement of 130 bps year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Net interest margin expanded for the 6th consecutive quarter<br>&nbsp;&nbsp;&nbsp;&nbsp;• Adjusted ROTCE ex. AOCI<sup>(a)</sup> of 13.9% and adjusted ROA<sup>(a)</sup> of 1.22%<br>&nbsp;&nbsp;&nbsp;&nbsp;**Growth:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• 5% loan growth compared to 2Q24; annual loan growth reaches highest level in over two years<br>&nbsp;&nbsp;&nbsp;&nbsp;• Consumer household growth of 2%, including 6% in the Southeast<br>&nbsp;&nbsp;&nbsp;&nbsp;• Assets under management of $73B, up 12% compared to 2Q24 |
| *Other than the Quarterly Financial Review tables beginning on page 13, commentary is on a fully taxable-equivalent (FTE) basis unless otherwise noted. Consistent with SEC guidance in Regulation S-K that contemplates the calculation of tax-exempt income on a taxable-equivalent basis, net interest income, net interest margin, net interest rate spread, total revenue and the efficiency ratio are provided on an FTE basis.* | *Other than the Quarterly Financial Review tables beginning on page 13, commentary is on a fully taxable-equivalent (FTE) basis unless otherwise noted. Consistent with SEC guidance in Regulation S-K that contemplates the calculation of tax-exempt income on a taxable-equivalent basis, net interest income, net interest margin, net interest rate spread, total revenue and the efficiency ratio are provided on an FTE basis.* | *Other than the Quarterly Financial Review tables beginning on page 13, commentary is on a fully taxable-equivalent (FTE) basis unless otherwise noted. Consistent with SEC guidance in Regulation S-K that contemplates the calculation of tax-exempt income on a taxable-equivalent basis, net interest income, net interest margin, net interest rate spread, total revenue and the efficiency ratio are provided on an FTE basis.* | *Other than the Quarterly Financial Review tables beginning on page 13, commentary is on a fully taxable-equivalent (FTE) basis unless otherwise noted. Consistent with SEC guidance in Regulation S-K that contemplates the calculation of tax-exempt income on a taxable-equivalent basis, net interest income, net interest margin, net interest rate spread, total revenue and the efficiency ratio are provided on an FTE basis.* | *Other than the Quarterly Financial Review tables beginning on page 13, commentary is on a fully taxable-equivalent (FTE) basis unless otherwise noted. Consistent with SEC guidance in Regulation S-K that contemplates the calculation of tax-exempt income on a taxable-equivalent basis, net interest income, net interest margin, net interest rate spread, total revenue and the efficiency ratio are provided on an FTE basis.* | *Other than the Quarterly Financial Review tables beginning on page 13, commentary is on a fully taxable-equivalent (FTE) basis unless otherwise noted. Consistent with SEC guidance in Regulation S-K that contemplates the calculation of tax-exempt income on a taxable-equivalent basis, net interest income, net interest margin, net interest rate spread, total revenue and the efficiency ratio are provided on an FTE basis.* | *Other than the Quarterly Financial Review tables beginning on page 13, commentary is on a fully taxable-equivalent (FTE) basis unless otherwise noted. Consistent with SEC guidance in Regulation S-K that contemplates the calculation of tax-exempt income on a taxable-equivalent basis, net interest income, net interest margin, net interest rate spread, total revenue and the efficiency ratio are provided on an FTE basis.* | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Stability:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• Net charge-off ratio<sup>(b)</sup> declined 1 bp sequentially and 4 bps compared to 2Q24; NPAs decreased 11% sequentially, including commercial NPAs down 18%<br>&nbsp;&nbsp;&nbsp;&nbsp;• Interest-bearing liabilities costs down 2 bps compared to 1Q25; 4% DDA growth year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Strong profitability resulted in CET1 increasing 13 bps to 10.56%<br>&nbsp;&nbsp;&nbsp;&nbsp;**Profitability:** <br>&nbsp;&nbsp;&nbsp;&nbsp;• Disciplined expense management; efficiency ratio<sup>(a)</sup> of 56.2%; adjusted efficiency ratio<sup>(a)</sup> of 55.5%, an improvement of 130 bps year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Net interest margin expanded for the 6th consecutive quarter<br>&nbsp;&nbsp;&nbsp;&nbsp;• Adjusted ROTCE ex. AOCI<sup>(a)</sup> of 13.9% and adjusted ROA<sup>(a)</sup> of 1.22%<br>&nbsp;&nbsp;&nbsp;&nbsp;**Growth:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• 5% loan growth compared to 2Q24; annual loan growth reaches highest level in over two years<br>&nbsp;&nbsp;&nbsp;&nbsp;• Consumer household growth of 2%, including 6% in the Southeast<br>&nbsp;&nbsp;&nbsp;&nbsp;• Assets under management of $73B, up 12% compared to 2Q24 |

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**From Tim Spence, Fifth Third Chairman, CEO and President:**

*Fifth Third's financial results once again underscore our strong balance sheet, diverse revenue streams, and disciplined expense management. We've expanded our net interest margin, improved credit metrics, and strengthened our efficiency ratio.*

*Our ongoing investments in strategic growth priorities continue to drive robust results. In the second quarter, adjusted revenues and adjusted PPNR increased year-over-year by 6% and 10%, respectively, marking the highest growth rate in the past two years. Our balance sheet remains well-diversified and neutrally positioned. This quarter, we accreted 13 basis points of CET1 capital and grew tangible book value per share by 18% over the past year.*

*By focusing on developing the capabilities to generate high-quality deposits, diversified loan originations, recurring fee revenue and consistent improvements in operating scalability, we expect to continue to generate strong, stable returns for our long-term shareholders during volatile environments.* 

*As we move forward, we will continue to adhere to our operating principles of stability, profitability, and growth – in that order.*

Investor contact: Matt Curoe (513) 534-2345 \| Media contact: Jennifer Hendricks Sullivan (614) 744-7693 July 17, 2025

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Income Statement Highlights** | | | | | |
| **($ in millions, except per share data)** | For the Three Months Ended | For the Three Months Ended | For the Three Months Ended | % Change | % Change |
|  | June | March | June |  |  |
|  | 2025 | 2025 | 2024 | Seq | Yr/Yr |
| **Condensed Statements of Income** |  |  |  |  |  |
| Net interest income (NII)<sup>(a)</sup> | $1500 | $1442 | $1393 | 4% | 8% |
| Provision for credit losses | 173 | 174 | 97 | (1)% | 78% |
| Noninterest income | 750 | 694 | 695 | 8% | 8% |
| Noninterest expense | 1264 | 1304 | 1221 | (3)% | 4% |
| Income before income taxes<sup>(a)</sup> | $813 | $658 | $770 | 24% | 6% |
| Taxable equivalent adjustment | $5 | $5 | $6 |  | (17)% |
| Applicable income tax expense | 180 | 138 | 163 | 30% | 10% |
| Net income | $628 | $515 | $601 | 22% | 4% |
| Dividends on preferred stock | 37 | 37 | 40 |  | (8)% |
| Net income available to common shareholders | $591 | $478 | $561 | 24% | 5% |
| Earnings per share, diluted | $0.88 | $0.71 | $0.81 | 24% | 9% |

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Fifth Third Bancorp (NASDAQ<sup>®</sup>: FITB) today reported second quarter 2025 net income available to common shareholders of $591 million, or $0.88 per diluted share, compared to $478 million, or $0.71 per diluted share, in the prior quarter and $561 million, or $0.81 per diluted share, in the year-ago quarter.

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| | |
|:---|:---|
| **Diluted earnings per share impact of certain item(s) - 2Q25** | **Diluted earnings per share impact of certain item(s) - 2Q25** |
| **(after-tax impact; $ in millions, except per share data)** | **(after-tax impact; $ in millions, except per share data)** |
| Severance expense (noninterest expense)<sup>(f)</sup> | $(11) |
| Valuation of Visa total return swap (noninterest income)<sup>(f)</sup> | $(1) |
| After-tax impact<sup>(f)</sup> of certain item(s) | $(12) |
| Diluted earnings per share impact of certain item(s)<sup>1</sup> | $(0.02) |
| *Totals may not foot due to rounding;* <sup>1</sup>*Diluted earnings per share impact reflects 674.034 million average diluted shares outstanding* | *Totals may not foot due to rounding;* <sup>1</sup>*Diluted earnings per share impact reflects 674.034 million average diluted shares outstanding* |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Net Interest Income** | | | | | |
| **(FTE; $ in millions)**<sup>(a)</sup> | For the Three Months Ended | For the Three Months Ended | For the Three Months Ended | % Change | % Change |
|  | June | March | June |  |  |
|  | 2025 | 2025 | 2024 | Seq | Yr/Yr |
| **Interest Income** |  |  |  |  |  |
| Interest income | $2489 | $2437 | $2626 | 2% | (5)% |
| Interest expense | 989 | 995 | 1233 | (1)% | (20)% |
| Net interest income (NII) | $1500 | $1442 | $1393 | 4% | 8% |
| NII excluding certain items<sup>(a)</sup> | $1500 | $1442 | $1398 | 4% | 7% |
| **Average Yield/Rate Analysis** |  |  |  | bps Change | bps Change |
| Yield on interest-earning assets | 5.18% | 5.13% | 5.43% | 5 | (25) |
| Rate paid on interest-bearing liabilities | 2.78% | 2.80% | 3.39% | (2) | (61) |
| **Ratios** |  |  |  |  |  |
| Net interest rate spread | 2.40% | 2.33% | 2.04% | 7 | 36 |
| Net interest margin (NIM) | 3.12% | 3.03% | 2.88% | 9 | 24 |
| NIM excluding certain items<sup>(a)</sup> | 3.12% | 3.03% | 2.89% | 9 | 23 |

---

Compared to the prior quarter, NII increased $58 million, or 4%. This improvement primarily reflects higher average loan balances, fixed-rate asset repricing and strategic deposit management actions decreasing the cost of interest-bearing deposits. NII included a $14 million benefit in the quarter associated with the payoff of a partially charged-off commercial loan previously classified as nonaccrual. These same factors, coupled with the continued normalization of cash and other short-term investment balances, contributed to the 9 bps increase in NIM.

Compared to the year-ago quarter, NII increased $107 million, or 8%, and NIM increased 24 bps. This improvement was due to the benefits from proactive deposit and wholesale funding management decreasing interest-bearing liabilities costs by 61 bps, improved earning asset mix, and the benefit of fixed-rate asset repricing, which more than offset the impact of lower market rates on floating rate assets.

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Noninterest Income** | | | | | |
| **($ in millions)** | For the Three Months Ended | For the Three Months Ended | For the Three Months Ended | % Change | % Change |
|  | June | March | June |  |  |
|  | 2025 | 2025 | 2024 | Seq | Yr/Yr |
| **Noninterest Income** |  |  |  |  |  |
| Wealth and asset management revenue | $166 | $172 | $159 | (3)% | 4% |
| Commercial payments revenue | 152 | 153 | 154 | (1)% | (1)% |
| Consumer banking revenue | 147 | 137 | 139 | 7% | 6% |
| Capital markets fees | 90 | 90 | 93 |  | (3)% |
| Commercial banking revenue | 79 | 80 | 90 | (1)% | (12)% |
| Mortgage banking net revenue | 56 | 57 | 50 | (2)% | 12% |
| Other noninterest income | 44 | 14 | 7 | 214% | 529% |
| Securities gains (losses), net | 16 | (9) | 3 | NM | 433% |
| Total noninterest income | $750 | $694 | $695 | 8% | 8% |

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Reported noninterest income increased $56 million, or 8%, from the prior quarter, and increased $55 million, or 8%, from the year-ago quarter. The reported results reflect the impact of certain items in the table below, including the mark-to-market on the valuation of the Visa total return swap and securities gains/losses which incorporate mark-to-market impacts from securities associated with non-qualified deferred compensation plans that are more than offset in noninterest expense.

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Noninterest Income excluding certain items** | **Noninterest Income excluding certain items** | **Noninterest Income excluding certain items** | **Noninterest Income excluding certain items** | **Noninterest Income excluding certain items** | **Noninterest Income excluding certain items** |
| **($ in millions)** | For the Three Months Ended | For the Three Months Ended | For the Three Months Ended |  |  |
|  | June | March | June | % Change | % Change |
|  | 2025 | 2025 | 2024 | Seq | Yr/Yr |
| **Noninterest Income excluding certain items** |  |  |  |  |  |
| Noninterest income (U.S. GAAP) | $750 | $694 | $695 |  |  |
| &nbsp;&nbsp;&nbsp;Valuation of Visa total return swap | 1 | 18 | 23 |  |  |
| &nbsp;&nbsp;&nbsp;Legal settlements and remediations |  |  | 2 |  |  |
| &nbsp;&nbsp;&nbsp;Securities (gains) losses, net | (16) | 9 | (3) |  |  |
| Noninterest income excluding certain items<sup>(a)</sup> | $735 | $721 | $717 | 2% | 3% |

---

Noninterest income excluding certain items increased $14 million, or 2%, compared to the prior quarter, and increased $18 million, or 3%, from the year-ago quarter.

Wealth and asset management revenue decreased $6 million, or 3% sequentially, due to seasonal tax-related revenue in the prior quarter. Commercial payments revenue decreased $1 million, or 1%, due to higher earnings credits. Consumer banking revenue increased $10 million, or 7%, driven by card and processing revenue and deposit fees. Capital markets fees were stable, reflecting decreases in client financial risk management and corporate bond fees, offset by increases in equity capital markets and M&A advisory revenue. The increase in other noninterest income was driven by seasonal equity fund investment income and the Visa total return swap.

Compared to the year-ago quarter, wealth and asset management revenue increased $7 million, or 4%, primarily reflecting an increase in personal asset management revenue due to AUM growth. Commercial payments revenue decreased $2 million, or 1%, driven by higher earnings credits and lower commercial card fees, partially offset by higher deposit fees. Consumer banking revenue increased $8 million, or 6%, primarily driven by deposit fees. Capital markets fees decreased $3 million, or 3%, reflecting a decrease in M&A advisory and client financial risk management, partially offset by higher loan syndication revenue. Commercial banking revenue decreased $11 million, or 12%, primarily reflecting lower business lending fees and the continued decrease in operating lease revenue. Mortgage banking net revenue increased $6 million, or 12%, due to the prior year loss on MSR net valuation adjustments not recurring in the current quarter.

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Noninterest Expense** | | | | | |
| **($ in millions)** | For the Three Months Ended | For the Three Months Ended | For the Three Months Ended | % Change | % Change |
|  | June | March | June |  |  |
|  | 2025 | 2025 | 2024 | Seq | Yr/Yr |
| **Noninterest Expense** |  |  |  |  |  |
| Compensation and benefits | $698 | $750 | $656 | (7)% | 6% |
| Technology and communications | 126 | 123 | 114 | 2% | 11% |
| Net occupancy expense | 83 | 87 | 83 | (5)% |  |
| Equipment expense | 41 | 42 | 38 | (2)% | 8% |
| Loan and lease expense | 36 | 30 | 33 | 20% | 9% |
| Marketing expense | 43 | 28 | 34 | 54% | 26% |
| Card and processing expense | 22 | 21 | 21 | 5% | 5% |
| Other noninterest expense | 215 | 223 | 242 | (4)% | (11)% |
| Total noninterest expense | $1264 | $1304 | $1221 | (3)% | 4% |

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Reported noninterest expense decreased $40 million, or 3%, from the prior quarter, and increased $43 million, or 4%, from the year-ago quarter. The reported results reflect the impact of certain items in the table below.

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Noninterest Expense excluding certain item(s)** | **Noninterest Expense excluding certain item(s)** | **Noninterest Expense excluding certain item(s)** | **Noninterest Expense excluding certain item(s)** | | |
| **($ in millions)** | For the Three Months Ended | For the Three Months Ended | For the Three Months Ended | % Change | % Change |
|  | June | March | June |  |  |
|  | 2025 | 2025 | 2024 | Seq | Yr/Yr |
| **Noninterest Expense excluding certain item(s)** |  |  |  |  |  |
| Noninterest expense (U.S. GAAP) | $1264 | $1304 | $1221 |  |  |
| &nbsp;&nbsp;&nbsp;Severance expense | (15) |  |  |  |  |
| &nbsp;&nbsp;&nbsp;Legal settlements and remediations |  |  | (11) |  |  |
| &nbsp;&nbsp;&nbsp;FDIC special assessment |  |  | (6) |  |  |
| Noninterest expense excluding certain item(s)<sup>(a)</sup> | $1249 | $1304 | $1204 | (4)% | 4% |

---

Compared to the prior quarter, noninterest expense excluding certain items decreased $55 million, or 4%, primarily reflecting a seasonal decrease in compensation and benefits expense. Noninterest expense in the current quarter included a $16 million expense related to the mark-to-market impact of non-qualified deferred compensation compared to a $4 million benefit in the prior quarter, both of which were largely offset in net securities gains/losses through noninterest income.

Compared to the year-ago quarter, noninterest expense excluding certain items increased $45 million, or 4%. The year-ago quarter included an $3 million expense related to the mark-to-market impact of non-qualified deferred compensation, which was largely offset in net securities gains through noninterest income.

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Average Interest-Earning Assets** | | | | | |
| **($ in millions)** | For the Three Months Ended | For the Three Months Ended | For the Three Months Ended | % Change | % Change |
|  | June | March | June |  |  |
|  | 2025 | 2025 | 2024 | Seq | Yr/Yr |
| **Average Portfolio Loans and Leases** |  |  |  |  |  |
| Commercial loans and leases: |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;Commercial and industrial loans | $54075 | $53401 | $52357 | 1% | 3% |
| &nbsp;&nbsp;&nbsp;Commercial mortgage loans | 12410 | 12368 | 11352 |  | 9% |
| &nbsp;&nbsp;&nbsp;Commercial construction loans | 5810 | 5797 | 5917 |  | (2)% |
| &nbsp;&nbsp;&nbsp;Commercial leases | 3120 | 3110 | 2575 |  | 21% |
| Total commercial loans and leases | $75415 | $74676 | $72201 | 1% | 4% |
| Consumer loans: |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;Residential mortgage loans | $17615 | $17552 | $17004 |  | 4% |
| &nbsp;&nbsp;&nbsp;Home equity | 4383 | 4222 | 3929 | 4% | 12% |
| &nbsp;&nbsp;&nbsp;Indirect secured consumer loans | 17248 | 16476 | 15373 | 5% | 12% |
| &nbsp;&nbsp;&nbsp;Credit card | 1659 | 1627 | 1728 | 2% | (4)% |
| &nbsp;&nbsp;&nbsp;Solar energy installation loans | 4268 | 4221 | 3916 | 1% | 9% |
| &nbsp;&nbsp;&nbsp;Other consumer loans | 2483 | 2498 | 2740 | (1)% | (9)% |
| Total consumer loans | $47656 | $46596 | $44690 | 2% | 7% |
| Total average portfolio loans and leases | $123071 | $121272 | $116891 | 1% | 5% |
| **Average Loans and Leases Held for Sale** |  |  |  |  |  |
| Commercial loans and leases held for sale | $45 | $64 | $33 | (30)% | 36% |
| Consumer loans held for sale | 541 | 428 | 359 | 26% | 51% |
| Total average loans and leases held for sale | $586 | $492 | $392 | 19% | 49% |
| Total average loans and leases | $123657 | $121764 | $117283 | 2% | 5% |
| Securities (taxable and tax-exempt) | $56243 | $56598 | $56607 | (1)% | (1)% |
| Other short-term investments | 12782 | 14446 | 20609 | (12)% | (38)% |
| Total average interest-earning assets | $192682 | $192808 | $194499 |  | (1)% |

---

Compared to the prior quarter, total average portfolio loans and leases increased 1%. Average commercial portfolio loans and leases increased 1%, primarily driven by increases in C&I loans. Average consumer portfolio loans increased 2%, primarily due to increases in indirect secured consumer and home equity loans.

Compared to the year-ago quarter, total average portfolio loans and leases increased 5%. Average commercial portfolio loans and leases increased 4%, primarily reflecting increases in C&I and commercial mortgage loans. Average consumer portfolio loans increased 7%, primarily due to increases in indirect secured consumer and residential mortgage loans.

Average securities (taxable and tax-exempt; amortized cost) of $56 billion in the current quarter decreased 1% compared to the prior and year-ago quarter. Average other short-term investments (including interest-bearing cash) of $13 billion in the current quarter decreased 12% compared to the prior quarter and decreased 38% compared to the year-ago quarter due to proactive liability management and increased lending activity.

Period-end commercial portfolio loans and leases of $74 billion decreased 1% compared to the prior quarter, primarily reflecting decreases in C&I and commercial construction loans. Compared to the year-ago quarter, period-end commercial portfolio loans and leases increased 3%, primarily due to increases in C&I and commercial mortgage loans.

Period-end consumer portfolio loans of $48 billion increased 3% compared to the prior quarter, primarily reflecting an increase in indirect secured consumer and home equity loans. Compared to the year-ago quarter, period-end consumer portfolio loans increased 8%, primarily driven by increases in indirect secured consumer, residential mortgage, and home equity loans.

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Total period-end securities (taxable and tax-exempt; amortized cost) of $55 billion in the current quarter decreased 2% compared to the prior quarter and decreased 3% compared to the year-ago quarter. Period-end other short-term investments of approximately $13 billion decreased 13% compared to the prior quarter and decreased 38% compared to the year-ago quarter.

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Average Deposits** | | | | | |
| **($ in millions)** | For the Three Months Ended | For the Three Months Ended | For the Three Months Ended | % Change | % Change |
|  | June | March | June |  |  |
|  | 2025 | 2025 | 2024 | Seq | Yr/Yr |
| **Average Deposits** |  |  |  |  |  |
| Demand | $40885 | $39788 | $40266 | 3% | 2% |
| Interest checking | 56738 | 57964 | 58156 | (2)% | (2)% |
| Savings | 16962 | 17226 | 17747 | (2)% | (4)% |
| Money market | 36296 | 36453 | 35511 |  | 2% |
| Total transaction deposits | $150881 | $151431 | $151680 |  | (1)% |
| CDs $250,000 or less | 10494 | 10380 | 10767 | 1% | (3)% |
| Total core deposits | $161375 | $161811 | $162447 |  | (1)% |
| CDs over $250,000<sup>1</sup> | 2200 | 2346 | 4747 | (6)% | (54)% |
| Total average deposits | $163575 | $164157 | $167194 |  | (2)% |
| <sup>1</sup>*CDs over $250,000 includes $1.1BN, $1.3BN, and $3.8BN of retail brokered certificates of deposit which are fully covered by FDIC insurance for the three months ended 6/30/25, 3/31/25, and 6/30/24, respectively.* | <sup>1</sup>*CDs over $250,000 includes $1.1BN, $1.3BN, and $3.8BN of retail brokered certificates of deposit which are fully covered by FDIC insurance for the three months ended 6/30/25, 3/31/25, and 6/30/24, respectively.* | <sup>1</sup>*CDs over $250,000 includes $1.1BN, $1.3BN, and $3.8BN of retail brokered certificates of deposit which are fully covered by FDIC insurance for the three months ended 6/30/25, 3/31/25, and 6/30/24, respectively.* | <sup>1</sup>*CDs over $250,000 includes $1.1BN, $1.3BN, and $3.8BN of retail brokered certificates of deposit which are fully covered by FDIC insurance for the three months ended 6/30/25, 3/31/25, and 6/30/24, respectively.* | <sup>1</sup>*CDs over $250,000 includes $1.1BN, $1.3BN, and $3.8BN of retail brokered certificates of deposit which are fully covered by FDIC insurance for the three months ended 6/30/25, 3/31/25, and 6/30/24, respectively.* | <sup>1</sup>*CDs over $250,000 includes $1.1BN, $1.3BN, and $3.8BN of retail brokered certificates of deposit which are fully covered by FDIC insurance for the three months ended 6/30/25, 3/31/25, and 6/30/24, respectively.* |

---

Compared to the prior quarter, total average deposits were stable, primarily reflecting modest increases in demand deposits and CDs $250,000 or less, offset by a decline in interest checking and savings balances. The growth in demand deposits is a result of our focus on improving our deposit mix and resulted in four consecutive quarters of declining deposit costs. Period-end total deposits decreased 1%.

Compared to the year-ago quarter, total average deposits decreased 2%, primarily driven by the continued reduction in brokered deposits and lower interest checking balances, partially offset by an increase in money market and demand deposits. Period-end total deposits decreased 2%.

The period-end portfolio loan-to-core deposit ratio was 76% in the current quarter, compared to 75% in the prior quarter and 72% in the year-ago quarter.

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Average Wholesale Funding** | | | | | |
| **($ in millions)** | For the Three Months Ended | For the Three Months Ended | For the Three Months Ended | % Change | % Change |
|  | June | March | June |  |  |
|  | 2025 | 2025 | 2024 | Seq | Yr/Yr |
| **Average Wholesale Funding** |  |  |  |  |  |
| CDs over $250,000<sup>1</sup> | $2200 | $2346 | $4747 | (6)% | (54)% |
| Federal funds purchased | 206 | 194 | 230 | 6% | (10)% |
| Securities sold under repurchase agreements | 353 | 286 | 373 | 23% | (5)% |
| FHLB advances | 4976 | 4767 | 3165 | 4% | 57% |
| Derivative collateral and other secured borrowings | 89 | 84 | 54 | 6% | 65% |
| Long-term debt | 14599 | 14585 | 15611 |  | (6)% |
| Total average wholesale funding | $22423 | $22262 | $24180 | 1% | (7)% |
| <sup>1</sup>*CDs over $250,000 includes $1.1BN, $1.3BN, and $3.8BN of retail brokered certificates of deposit which are fully covered by FDIC insurance for the three months ended 6/30/25, 3/31/25, and 6/30/24, respectively.* | <sup>1</sup>*CDs over $250,000 includes $1.1BN, $1.3BN, and $3.8BN of retail brokered certificates of deposit which are fully covered by FDIC insurance for the three months ended 6/30/25, 3/31/25, and 6/30/24, respectively.* | <sup>1</sup>*CDs over $250,000 includes $1.1BN, $1.3BN, and $3.8BN of retail brokered certificates of deposit which are fully covered by FDIC insurance for the three months ended 6/30/25, 3/31/25, and 6/30/24, respectively.* | <sup>1</sup>*CDs over $250,000 includes $1.1BN, $1.3BN, and $3.8BN of retail brokered certificates of deposit which are fully covered by FDIC insurance for the three months ended 6/30/25, 3/31/25, and 6/30/24, respectively.* | <sup>1</sup>*CDs over $250,000 includes $1.1BN, $1.3BN, and $3.8BN of retail brokered certificates of deposit which are fully covered by FDIC insurance for the three months ended 6/30/25, 3/31/25, and 6/30/24, respectively.* | <sup>1</sup>*CDs over $250,000 includes $1.1BN, $1.3BN, and $3.8BN of retail brokered certificates of deposit which are fully covered by FDIC insurance for the three months ended 6/30/25, 3/31/25, and 6/30/24, respectively.* |

---

Compared to the prior quarter, average wholesale funding increased 1%, driven in part by higher short-term FHLB advances and securities sold under repurchase agreements, partially offset by a reduction in CDs over $250,000. The 7% decrease in average wholesale funding compared to the year-ago quarter was primarily due to lower balances in CDs over $250,000 and long-term debt, partially offset by increased utilization of short-term FHLB advances.

------

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Credit Quality Summary** | | | | | |
| **($ in millions)** | As of and For the Three Months Ended | As of and For the Three Months Ended | As of and For the Three Months Ended | As of and For the Three Months Ended | As of and For the Three Months Ended |
|  | June | March | December | September | June |
|  | 2025 | 2025 | 2024 | 2024 | 2024 |
| Total nonaccrual portfolio loans and leases (NPLs) | $853 | $966 | $823 | $686 | $606 |
| Repossessed property | 8 | 9 | 9 | 11 | 9 |
| OREO | 25 | 21 | 21 | 28 | 28 |
| Total nonperforming portfolio loans and leases and OREO (NPAs) | $886 | $996 | $853 | $725 | $643 |
| NPL ratio<sup>(g)</sup> | 0.70% | 0.79% | 0.69% | 0.59% | 0.52% |
| NPA ratio<sup>(c)</sup> | 0.72% | 0.81% | 0.71% | 0.62% | 0.55% |
| Portfolio loans and leases 30-89 days past due (accrual) | $277 | $385 | $303 | $283 | $302 |
| Portfolio loans and leases 90 days past due (accrual) | 34 | 33 | 32 | 40 | 33 |
| 30-89 days past due as a % of portfolio loans and leases | 0.23% | 0.31% | 0.25% | 0.24% | 0.26% |
| 90 days past due as a % of portfolio loans and leases | 0.03% | 0.03% | 0.03% | 0.03% | 0.03% |
| Allowance for loan and lease losses (ALLL), beginning | $2384 | $2352 | $2305 | $2288 | $2318 |
| &nbsp;&nbsp;&nbsp;Total net losses charged-off | (139) | (136) | (136) | (142) | (144) |
| &nbsp;&nbsp;&nbsp;Provision for loan and lease losses | 167 | 168 | 183 | 159 | 114 |
| ALLL, ending | $2412 | $2384 | $2352 | $2305 | $2288 |
| Reserve for unfunded commitments, beginning | $140 | $134 | $138 | $137 | $154 |
| &nbsp;&nbsp;&nbsp;Provision for (benefit from) the reserve for unfunded commitments | 6 | 6 | (4) | 1 | (17) |
| Reserve for unfunded commitments, ending | $146 | $140 | $134 | $138 | $137 |
| Total allowance for credit losses (ACL) | $2558 | $2524 | $2486 | $2443 | $2425 |
| ACL ratios: |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;As a % of portfolio loans and leases | 2.09% | 2.07% | 2.08% | 2.09% | 2.08% |
| &nbsp;&nbsp;&nbsp;As a % of nonperforming portfolio loans and leases | 300% | 261% | 302% | 356% | 400% |
| &nbsp;&nbsp;&nbsp;As a % of nonperforming portfolio assets | 289% | 253% | 291% | 337% | 377% |
| ALLL as a % of portfolio loans and leases | 1.97% | 1.95% | 1.96% | 1.98% | 1.96% |
| Total losses charged-off | $(194) | $(173) | $(175) | $(183) | $(182) |
| Total recoveries of losses previously charged-off | 55 | 37 | 39 | 41 | 38 |
| Total net losses charged-off | $(139) | $(136) | $(136) | $(142) | $(144) |
| Net charge-off ratio (NCO ratio)<sup>(b)</sup> | 0.45% | 0.46% | 0.46% | 0.48% | 0.49% |
| &nbsp;&nbsp;&nbsp;Commercial NCO ratio | 0.38% | 0.35% | 0.32% | 0.40% | 0.45% |
| &nbsp;&nbsp;&nbsp;Consumer NCO ratio | 0.56% | 0.63% | 0.68% | 0.62% | 0.57% |

---

The provision for credit losses totaled $173 million in the current quarter and the ACL ratio represented 2.09% of total portfolio loans and leases at quarter end, consistent with 2.07% in the prior quarter and 2.08% in the year-ago period. The ACL covered 300% of nonperforming portfolio loans and leases and 289% of nonperforming portfolio assets.

Net charge-offs totaled $139 million in the current quarter, up $3 million from the prior quarter and the NCO ratio decreased 1 bp to 0.45%. Commercial net charge-offs were $71 million, with a commercial NCO ratio of 0.38%, up 3 bps from the prior quarter. Consumer net charge-offs were $68 million, with a consumer NCO ratio of 0.56%, down 7 bps sequentially.

------

Compared to the year-ago quarter, net charge-offs decreased $5 million and the NCO ratio decreased 4 bps. The commercial NCO ratio decreased 7 bps, and the consumer NCO ratio decreased 1 bps compared to the prior year.

Nonperforming portfolio loans and leases declined to $853 million in the current quarter, representing an NPL ratio of 0.70%, down from 0.79% in the prior quarter and up from 0.52% in the year-ago quarter.

Nonperforming portfolio assets totaled $886 million in the current quarter, resulting in an NPA ratio of 0.72%, compared to 0.81% in the prior quarter and 0.55% in the year-ago quarter.

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Capital Position** | | | | | |
|  | As of and For the Three Months Ended | As of and For the Three Months Ended | As of and For the Three Months Ended | As of and For the Three Months Ended | As of and For the Three Months Ended |
|  | June | March | December | September | June |
|  | 2025 | 2025 | 2024 | 2024 | 2024 |
| **Capital Position** |  |  |  |  |  |
| Average total Bancorp shareholders' equity as a % of average assets | 9.82% | 9.50% | 9.40% | 9.47% | 8.80% |
| Tangible equity<sup>(a)</sup> | 9.39% | 9.07% | 9.02% | 8.99% | 8.91% |
| Tangible common equity (excluding AOCI)<sup>(a)</sup> | 8.38% | 8.07% | 8.03% | 8.00% | 7.92% |
| Tangible common equity (including AOCI)<sup>(a)</sup> | 6.84% | 6.40% | 6.02% | 6.52% | 5.80% |
| **Regulatory Capital Ratios**<sup>(d)(e)</sup>  |  |  |  |  |  |
| CET1 capital | 10.56% | 10.43% | 10.57% | 10.75% | 10.62% |
| Tier 1 risk-based capital | 11.83% | 11.71% | 11.86% | 12.07% | 11.93% |
| Total risk-based capital | 13.75% | 13.63% | 13.86% | 14.13% | 13.95% |
| Leverage | 9.42% | 9.23% | 9.22% | 9.11% | 9.07% |

---

CET1 capital ratio of 10.56% increased 13 bps sequentially driven by strong profitability, reflecting the resilience of our core business performance. Fifth Third did not execute share repurchases in the second quarter of 2025.

In June 2025, Fifth Third's Board of Directors approved a new share repurchase authorization of up to 100 million shares. The new repurchase authorization does not have an expiration date and may be executed through open market purchases or private negotiated transactions.

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**Tax Rate**

The effective tax rate for the quarter was 22.2% compared with 21.2% in the prior quarter and 21.3% in the year-ago quarter.

**Conference Call** 

Fifth Third will host a conference call to discuss these financial results at 9:00 a.m. (Eastern Time) today. This conference call will be webcast live and may be accessed through the Fifth Third Investor Relations website at www.53.com (click on "About Us" then "Investor Relations"). Those unable to listen to the live webcast may access a webcast replay through the Fifth Third Investor Relations website at the same web address, which will be available for 30 days.

**Corporate Profile** 

Fifth Third is a bank that's as long on innovation as it is on history. Since 1858, we've been helping individuals, families, businesses and communities grow through smart financial services that improve lives. Our list of firsts is extensive, and it's one that continues to expand as we explore the intersection of tech-driven innovation, dedicated people, and focused community impact. Fifth Third is one of the few U.S.-based banks to have been named among Ethisphere's World's Most Ethical Companies® for several years. With a commitment to taking care of our customers, employees, communities and shareholders, our goal is not only to be the nation's highest performing regional bank, but to be the bank people most value and trust.

Fifth Third Bank, National Association is a federally chartered institution. Fifth Third Bancorp is the indirect parent company of Fifth Third Bank and its common stock is traded on the NASDAQ® Global Select Market under the symbol "FITB." Investor information and press releases can be viewed at www.53.com.

**Earnings Release End Notes**

*(a)Non-GAAP measure; see discussion of non-GAAP reconciliation beginning on page 26.*

*(b)Net losses charged-off as a percent of average portfolio loans and leases presented on an annualized basis.*

*(c)Nonperforming portfolio assets as a percent of portfolio loans and leases and OREO.*

*(d)Regulatory capital ratios as of December 31, 2024, September 30, 2024 and June 30, 2024 were calculated pursuant to the five-year transition provision option to phase in the effects of CECL on regulatory capital.*

*(e)Current period regulatory capital ratios are estimated.*

*(f)Assumes a 24% tax rate.*

*(g)Nonperforming portfolio loans and leases as a percent of portfolio loans and leases.*

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**FORWARD-LOOKING STATEMENTS**

*This release 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").*

*You should refer to our periodic and current reports filed with the Securities and Exchange Commission, or "SEC," for further information on other factors, which could cause actual results to be significantly different from those expressed or implied by these forward-looking statements. 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 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 press release should be read as applying mutatis mutandis to every other instance of such information appearing herein.*

*# # #*

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![a53_logoxhorizontalxfullco.jpg](a53_logoxhorizontalxfullco.jpg)

**Quarterly Financial Review for June 30, 2025**

**Table of Contents**

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| | |
|:---|:---|
| Financial Highlights | 13-14 |
| Consolidated Statements of Income | 15-16 |
| Consolidated Balance Sheets | 17-18 |
| Consolidated Statements of Changes in Equity | 19 |
| Average Balance Sheets and Yield/Rate Analysis | 20-21 |
| Summary of Loans and Leases | 22 |
| Regulatory Capital | 23 |
| Summary of Credit Loss Experience | 24 |
| Asset Quality | 25 |
| Non-GAAP Reconciliation | 26-28 |
| Segment Presentation | 29 |

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| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Fifth Third Bancorp and Subsidiaries** | | | | | | | | |
| Financial Highlights | As of and For the Three Months Ended | As of and For the Three Months Ended | As of and For the Three Months Ended | % / bps | % / bps |  |  | % / bps |
| $ in millions, except per share data | As of and For the Three Months Ended | As of and For the Three Months Ended | As of and For the Three Months Ended | Change | Change | Year to Date | Year to Date | Change |
| (unaudited) | June | March | June |  |  | June | June |  |
|  | 2025 | 2025 | 2024 | Seq | Yr/Yr | 2025 | 2024 | Yr/Yr |
| **Income Statement Data** |  |  |  |  |  |  |  |  |
| Net interest income | $1495 | $1437 | $1387 | 4% | 8% | $2932 | $2771 | 6% |
| Net interest income (FTE)<sup>(a)</sup>  | 1500 | 1442 | 1393 | 4% | 8% | 2942 | 2783 | 6% |
| Noninterest income | 750 | 694 | 695 | 8% | 8% | 1444 | 1406 | 3% |
| Total revenue (FTE)<sup>(a)</sup>  | 2250 | 2136 | 2088 | 5% | 8% | 4386 | 4189 | 5% |
| Provision for credit losses | 173 | 174 | 97 | (1%) | 78% | 347 | 191 | 82% |
| Noninterest expense | 1264 | 1304 | 1221 | (3%) | 4% | 2568 | 2562 |  |
| Net income | 628 | 515 | 601 | 22% | 4% | 1142 | 1122 | 2% |
| Net income available to common shareholders | 591 | 478 | 561 | 24% | 5% | 1069 | 1041 | 3% |
| **Earnings Per Share Data** |  |  |  |  |  |  |  |  |
| Net income allocated to common shareholders | $591 | $478 | $561 | 24% | 5% | $1069 | $1041 | 3% |
| Average common shares outstanding (in thousands): |  |  |  |  |  |  |  |  |
| Basic | 670787 | 671052 | 686781 |  | (2%) | 670919 | 686265 | (2%) |
| Diluted | 674034 | 676040 | 691083 |  | (2%) | 675032 | 690858 | (2%) |
| Earnings per share, basic | $0.88 | $0.71 | $0.82 | 24% | 7% | $1.59 | $1.52 | 5% |
| Earnings per share, diluted | 0.88 | 0.71 | 0.81 | 24% | 9% | 1.58 | 1.51 | 5% |
| **Common Share Data** |  |  |  |  |  |  |  |  |
| Cash dividends per common share | $0.37 | $0.37 | $0.35 |  | 6% | $0.74 | $0.70 | 6% |
| Book value per share | 28.47 | 27.41 | 25.13 | 4% | 13% | 28.47 | 25.13 | 13% |
| Market value per share | 41.13 | 39.20 | 36.49 | 5% | 13% | 41.13 | 36.49 | 13% |
| Common shares outstanding (in thousands) | 667710 | 667272 | 680789 |  | (2%) | 667710 | 680789 | (2%) |
| Market capitalization | $27463 | $26157 | $24842 | 5% | 11% | $27463 | $24842 | 11% |
| **Financial Ratios** |  |  |  |  |  |  |  |  |
| Return on average assets | 1.20% | 0.99% | 1.14% | 21 | 6 | 1.09% | 1.06% | 3 |
| Return on average common equity | 12.8% | 10.8% | 13.6% | 200 | (80) | 11.8% | 12.6% | (80) |
| Return on average tangible common equity<sup>(a)</sup>  | 17.6% | 15.2% | 19.8% | 240 | (220) | 16.5% | 18.3% | (180) |
| Noninterest income as a percent of total revenue<sup>(a)</sup>  | 33% | 32% | 33% | 100 |  | 33% | 34% | (100) |
| Dividend payout | 42.0% | 52.1% | 42.7% | (1010) | (70) | 46.5% | 46.1% | 40 |
| Average total Bancorp shareholders' equity as a percent of average assets | 9.82% | 9.50% | 8.80% | 32 | 102 | 9.66% | 8.79% | 87 |
| Tangible common equity<sup>(a)</sup>  | 8.38% | 8.07% | 7.92% | 31 | 46 | 8.38% | 7.92% | 46 |
| Net interest margin (FTE)<sup>(a)</sup>  | 3.12% | 3.03% | 2.88% | 9 | 24 | 3.08% | 2.87% | 21 |
| Efficiency (FTE)<sup>(a)</sup>  | 56.2% | 61.0% | 58.5% | (480) | (230) | 58.6% | 61.2% | (260) |
| Effective tax rate | 22.2% | 21.2% | 21.3% | 100 | 90 | 21.8% | 21.2% | 60 |
| **Credit Quality** |  |  |  |  |  |  |  |  |
| Net losses charged-off | $139 | $136 | $144 | 2% | (3%) | $276 | $254 | 9% |
| Net losses charged-off as a percent of average portfolio loans and leases (annualized) | 0.45% | 0.46% | 0.49% | (1) | (4) | 0.45% | 0.44% | 1 |
| ALLL as a percent of portfolio loans and leases | 1.97% | 1.95% | 1.96% | 2 | 1 | 1.97% | 1.96% | 1 |
| ACL as a percent of portfolio loans and leases<sup>(g)</sup> | 2.09% | 2.07% | 2.08% | 2 | 1 | 2.09% | 2.08% | 1 |
| Nonperforming portfolio assets as a percent of portfolio loans and leases and OREO | 0.72% | 0.81% | 0.55% | (9) | 17 | 0.72% | 0.55% | 17 |
| **Average Balances** |  |  |  |  |  |  |  |  |
| Loans and leases, including held for sale | $123657 | $121764 | $117283 | 2% | 5% | $122716 | $117491 | 4% |
| Securities and other short-term investments | 69025 | 71044 | 77216 | (3%) | (11%) | 70029 | 77433 | (10%) |
| Assets | 210554 | 210558 | 212475 |  | (1%) | 210556 | 212839 | (1%) |
| Transaction deposits<sup>(b)</sup>  | 150881 | 151431 | 151680 |  | (1%) | 151153 | 152018 | (1%) |
| Core deposits<sup>(c)</sup> | 161375 | 161811 | 162447 |  | (1%) | 161591 | 162523 | (1%) |
| Wholesale funding<sup>(d)</sup> | 22423 | 22262 | 24180 | 1% | (7%) | 22343 | 24476 | (9%) |
| Bancorp shareholders' equity | 20670 | 20000 | 18707 | 3% | 10% | 20337 | 18717 | 9% |
| **Regulatory Capital Ratios**<sup>(e)(f)</sup>  |  |  |  |  |  |  |  |  |
| CET1 capital | 10.56% | 10.43% | 10.62% | 13 | (6) | 10.56% | 10.62% | (6) |
| Tier 1 risk-based capital | 11.83% | 11.71% | 11.93% | 12 | (10) | 11.83% | 11.93% | (10) |
| Total risk-based capital | 13.75% | 13.63% | 13.95% | 12 | (20) | 13.75% | 13.95% | (20) |
| Leverage | 9.42% | 9.23% | 9.07% | 19 | 35 | 9.42% | 9.07% | 35 |
| **Additional Metrics** |  |  |  |  |  |  |  |  |
| Banking centers | 1089 | 1084 | 1070 |  | 2% | 1089 | 1070 | 2% |
| ATMs | 2170 | 2069 | 2067 | 5% | 5% | 2170 | 2067 | 5% |
| Full-time equivalent employees | 18690 | 18786 | 18607 | (1%) |  | 18690 | 18607 |  |
| Assets under care ($ in billions)<sup>(h)</sup> | $657 | $639 | $631 | 3% | 4% | $657 | $631 | 4% |
| Assets under management ($ in billions)<sup>(h)</sup> | 73 | 68 | 65 | 7% | 12% | 73 | 65 | 12% |

---

*(a)Non-GAAP measure; see discussion and reconciliation of non-GAAP measures beginning on page 26.*

*(b)Includes demand, interest checking, savings and money market deposits..*

*(c)Includes transaction deposits plus CDs $250,000 or less.*

*(d)Includes CDs over $250,000, other deposits, federal funds purchased, other short-term borrowings and long-term debt.*

*(e)Current period regulatory capital ratios are estimates.*

*(f)Regulatory capital ratios as of June 30, 2024 were calculated pursuant to the five-year transition provision option to phase in the effects of CECL on regulatory capital.*

*(g)The allowance for credit losses is the sum of the ALLL and the reserve for unfunded commitments.*

*(h)Assets under management and assets under care include trust and brokerage assets.*

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Fifth Third Bancorp and Subsidiaries** | | | | | |
| Financial Highlights |  |  |  |  |  |
| $ in millions, except per share data | As of and For the Three Months Ended | As of and For the Three Months Ended | As of and For the Three Months Ended | As of and For the Three Months Ended | As of and For the Three Months Ended |
| (unaudited) | June | March | December | September | June |
|  | 2025 | 2025 | 2024 | 2024 | 2024 |
| **Income Statement Data** |  |  |  |  |  |
| Net interest income | $1495 | $1437 | $1437 | $1421 | $1387 |
| Net interest income (FTE)<sup>(a)</sup>  | 1500 | 1442 | 1443 | 1427 | 1393 |
| Noninterest income | 750 | 694 | 732 | 711 | 695 |
| Total revenue (FTE)<sup>(a)</sup>  | 2250 | 2136 | 2175 | 2138 | 2088 |
| Provision for credit losses | 173 | 174 | 179 | 160 | 97 |
| Noninterest expense | 1264 | 1304 | 1226 | 1244 | 1221 |
| Net income | 628 | 515 | 620 | 573 | 601 |
| Net income available to common shareholders | 591 | 478 | 582 | 532 | 561 |
| **Earnings Per Share Data** |  |  |  |  |  |
| Net income allocated to common shareholders | $591 | $478 | $582 | $532 | $561 |
| Average common shares outstanding (in thousands): |  |  |  |  |  |
| Basic | 670787 | 671052 | 675307 | 680895 | 686781 |
| Diluted | 674034 | 676040 | 681456 | 686109 | 691083 |
| Earnings per share, basic | $0.88 | $0.71 | $0.86 | $0.78 | $0.82 |
| Earnings per share, diluted | 0.88 | 0.71 | 0.85 | 0.78 | 0.81 |
| **Common Share Data** |  |  |  |  |  |
| Cash dividends per common share | $0.37 | $0.37 | $0.37 | $0.37 | $0.35 |
| Book value per share | 28.47 | 27.41 | 26.17 | 27.60 | 25.13 |
| Market value per share | 41.13 | 39.20 | 42.28 | 42.84 | 36.49 |
| Common shares outstanding (in thousands) | 667710 | 667272 | 669854 | 676269 | 680789 |
| Market capitalization | $27463 | $26157 | $28321 | $28971 | $24842 |
| **Financial Ratios** |  |  |  |  |  |
| Return on average assets | 1.20% | 0.99% | 1.17% | 1.06% | 1.14% |
| Return on average common equity | 12.8% | 10.8% | 13.0% | 11.7% | 13.6% |
| Return on average tangible common equity<sup>(a)</sup>  | 17.6% | 15.2% | 18.4% | 16.3% | 19.8% |
| Noninterest income as a percent of total revenue<sup>(a)</sup>  | 33% | 32% | 34% | 33% | 33% |
| Dividend payout | 42.0% | 52.1% | 43.0% | 47.4% | 42.7% |
| Average total Bancorp shareholders' equity as a percent of average assets | 9.82% | 9.50% | 9.40% | 9.47% | 8.80% |
| Tangible common equity<sup>(a)</sup>  | 8.38% | 8.07% | 8.03% | 8.00% | 7.92% |
| Net interest margin (FTE)<sup>(a)</sup>  | 3.12% | 3.03% | 2.97% | 2.90% | 2.88% |
| Efficiency (FTE)<sup>(a)</sup>  | 56.2% | 61.0% | 56.4% | 58.2% | 58.5% |
| Effective tax rate | 22.2% | 21.2% | 18.8% | 21.3% | 21.3% |
| **Credit Quality** |  |  |  |  |  |
| Net losses charged-off | $139 | $136 | $136 | $142 | $144 |
| Net losses charged-off as a percent of average portfolio loans and leases (annualized) | 0.45% | 0.46% | 0.46% | 0.48% | 0.49% |
| ALLL as a percent of portfolio loans and leases | 1.97% | 1.95% | 1.96% | 1.98% | 1.96% |
| ACL as a percent of portfolio loans and leases<sup>(g)</sup> | 2.09% | 2.07% | 2.08% | 2.09% | 2.08% |
| Nonperforming portfolio assets as a percent of portfolio loans and leases and OREO | 0.72% | 0.81% | 0.71% | 0.62% | 0.55% |
| **Average Balances** |  |  |  |  |  |
| Loans and leases, including held for sale | $123657 | $121764 | $118492 | $117415 | $117283 |
| Securities and other short-term investments | 69025 | 71044 | 75021 | 78421 | 77216 |
| Assets | 210554 | 210558 | 211709 | 213838 | 212475 |
| Transaction deposits<sup>(b)</sup> | 150881 | 151431 | 154114 | 153154 | 151680 |
| Core deposits<sup>(c)</sup> | 161375 | 161811 | 164706 | 163697 | 162447 |
| Wholesale funding<sup>(d)</sup> | 22423 | 22262 | 20202 | 23415 | 24180 |
| Bancorp shareholders' equity | 20670 | 20000 | 19893 | 20251 | 18707 |
| **Regulatory Capital Ratios**<sup>(e)(f)</sup>  |  |  |  |  |  |
| CET1 capital | 10.56% | 10.43% | 10.57% | 10.75% | 10.62% |
| Tier 1 risk-based capital | 11.83% | 11.71% | 11.86% | 12.07% | 11.93% |
| Total risk-based capital | 13.75% | 13.63% | 13.86% | 14.13% | 13.95% |
| Leverage | 9.42% | 9.23% | 9.22% | 9.11% | 9.07% |
| **Additional Metrics** |  |  |  |  |  |
| Banking centers | 1089 | 1084 | 1089 | 1072 | 1070 |
| ATMs | 2170 | 2069 | 2080 | 2060 | 2067 |
| Full-time equivalent employees | 18690 | 18786 | 18616 | 18579 | 18607 |
| Assets under care ($ in billions)<sup>(h)</sup> | $657 | $639 | $634 | $635 | $631 |
| Assets under management ($ in billions)<sup>(h)</sup> | 73 | 68 | 69 | 69 | 65 |

---

*(a)Non-GAAP measure; see discussion and reconciliation of non-GAAP measures beginning on page 26.*

*(b)Includes demand, interest checking, savings and money market deposits.*

*(c)Includes transaction deposits plus CDs $250,000 or less.*

*(d)Includes CDs over $250,000, other deposits, federal funds purchased, other short-term borrowings and long-term debt.*

*(e)Current period regulatory capital ratios are estimates.*

*(f)Regulatory capital ratios as of December 31, 2024, September 30, 2024 and June 30, 2024 were calculated pursuant to the five-year transition provision option to phase in the effects of CECL on regulatory capital.*

*(g)The allowance for credit losses is the sum of the ALLL and the reserve for unfunded commitments.*

*(h)Assets under management and assets under care include trust and brokerage assets.*

------

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| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Fifth Third Bancorp and Subsidiaries** | | | | | | | | |
| Consolidated Statements of Income |  |  |  |  |  |  |  |  |
| $ in millions | For the Three Months Ended | For the Three Months Ended | For the Three Months Ended | % Change | % Change | Year to Date | Year to Date | % Change |
| (unaudited) | June | March | June |  |  | June | June |  |
|  | 2025 | 2025 | 2024 | Seq | Yr/Yr | 2025 | 2024 | Yr/Yr |
| **Interest Income** |  |  |  |  |  |  |  |  |
| Interest and fees on loans and leases | $1881 | $1816 | $1871 | 4% | 1% | $3696 | $3731 | (1%) |
| Interest on securities | 458 | 451 | 458 | 2% |  | 910 | 913 |  |
| Interest on other short-term investments | 145 | 165 | 291 | (12%) | (50%) | 311 | 584 | (47%) |
| Total interest income | 2484 | 2432 | 2620 | 2% | (5%) | 4917 | 5228 | (6%) |
| **Interest Expense** |  |  |  |  |  |  |  |  |
| Interest on deposits | 732 | 743 | 958 | (1%) | (24%) | 1476 | 1912 | (23%) |
| Interest on federal funds purchased | 2 | 2 | 3 |  | (33%) | 4 | 6 | (33%) |
| Interest on other short-term borrowings | 59 | 56 | 48 | 5% | 23% | 115 | 95 | 21% |
| Interest on long-term debt | 196 | 194 | 224 | 1% | (13%) | 390 | 444 | (12%) |
| Total interest expense | 989 | 995 | 1233 | (1%) | (20%) | 1985 | 2457 | (19%) |
| **Net Interest Income** | 1495 | 1437 | 1387 | 4% | 8% | 2932 | 2771 | 6% |
| Provision for credit losses | 173 | 174 | 97 | (1%) | 78% | 347 | 191 | 82% |
| **Net Interest Income After Provision for Credit Losses** | 1322 | 1263 | 1290 | 5% | 2% | 2585 | 2580 |  |
| **Noninterest Income** |  |  |  |  |  |  |  |  |
| Wealth and asset management revenue | 166 | 172 | 159 | (3%) | 4% | 338 | 320 | 6% |
| Commercial payments revenue | 152 | 153 | 154 | (1%) | (1%) | 305 | 298 | 2% |
| Consumer banking revenue | 147 | 137 | 139 | 7% | 6% | 284 | 275 | 3% |
| Capital markets fees | 90 | 90 | 93 |  | (3%) | 179 | 190 | (6%) |
| Commercial banking revenue | 79 | 80 | 90 | (1) | (12%) | 160 | 174 | (8%) |
| Mortgage banking net revenue | 56 | 57 | 50 | (2%) | 12% | 113 | 104 | 9% |
| Other noninterest income | 44 | 14 | 7 | 214% | 529% | 58 | 32 | 81% |
| Securities gains (losses), net | 16 | (9) | 3 | NM | 433% | 7 | 13 | (46%) |
| Total noninterest income | 750 | 694 | 695 | 8% | 8% | 1444 | 1406 | 3% |
| **Noninterest Expense** |  |  |  |  |  |  |  |  |
| Compensation and benefits | 698 | 750 | 656 | (7%) | 6% | 1447 | 1409 | 3% |
| Technology and communications | 126 | 123 | 114 | 2% | 11% | 250 | 231 | 8% |
| Net occupancy expense | 83 | 87 | 83 | (5%) |  | 171 | 170 | 1% |
| Equipment expense | 41 | 42 | 38 | (2%) | 8% | 82 | 76 | 8% |
| Loan and lease expense | 36 | 30 | 33 | 20% | 9% | 66 | 62 | 6% |
| Marketing expense | 43 | 28 | 34 | 54% | 26% | 71 | 66 | 8% |
| Card and processing expense | 22 | 21 | 21 | 5% | 5% | 43 | 41 | 5% |
| Other noninterest expense | 215 | 223 | 242 | (4%) | (11%) | 438 | 507 | (14%) |
| Total noninterest expense | 1264 | 1304 | 1221 | (3%) | 4% | 2568 | 2562 |  |
| **Income Before Income Taxes** | 808 | 653 | 764 | 24% | 6% | 1461 | 1424 | 3% |
| Applicable income tax expense | 180 | 138 | 163 | 30% | 10% | 319 | 302 | 6% |
| **Net Income** | 628 | 515 | 601 | 22% | 4% | 1142 | 1122 | 2% |
| Dividends on preferred stock | 37 | 37 | 40 |  | (8%) | 73 | 81 | (10%) |
| **Net Income Available to Common Shareholders** | $591 | $478 | $561 | 24% | 5% | $1069 | $1041 | 3% |

---

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---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Fifth Third Bancorp and Subsidiaries** | | | | | |
| Consolidated Statements of Income |  |  |  |  |  |
| $ in millions | For the Three Months Ended | For the Three Months Ended | For the Three Months Ended | For the Three Months Ended | For the Three Months Ended |
| (unaudited) | June | March | December | September | June |
|  | 2025 | 2025 | 2024 | 2024 | 2024 |
| **Interest Income** |  |  |  |  |  |
| Interest and fees on loans and leases | $1881 | $1816 | $1836 | $1910 | $1871 |
| Interest on securities | 458 | 451 | 464 | 461 | 458 |
| Interest on other short-term investments | 145 | 165 | 228 | 298 | 291 |
| Total interest income | 2484 | 2432 | 2528 | 2669 | 2620 |
| **Interest Expense** |  |  |  |  |  |
| Interest on deposits | 732 | 743 | 856 | 968 | 958 |
| Interest on federal funds purchased | 2 | 2 | 3 | 2 | 3 |
| Interest on other short-term borrowings | 59 | 56 | 22 | 40 | 48 |
| Interest on long-term debt | 196 | 194 | 210 | 238 | 224 |
| Total interest expense | 989 | 995 | 1091 | 1248 | 1233 |
| **Net Interest Income** | 1495 | 1437 | 1437 | 1421 | 1387 |
| Provision for credit losses | 173 | 174 | 179 | 160 | 97 |
| **Net Interest Income After Provision for Credit Losses** | 1322 | 1263 | 1258 | 1261 | 1290 |
| **Noninterest Income** |  |  |  |  |  |
| Wealth and asset management revenue | 166 | 172 | 163 | 163 | 159 |
| Commercial payments revenue | 152 | 153 | 155 | 154 | 154 |
| Consumer banking revenue | 147 | 137 | 137 | 143 | 139 |
| Capital markets fees | 90 | 90 | 123 | 111 | 93 |
| Commercial banking revenue | 79 | 80 | 109 | 93 | 90 |
| Mortgage banking net revenue | 56 | 57 | 57 | 50 | 50 |
| Other noninterest income (loss) | 44 | 14 | (4) | (13) | 7 |
| Securities gains (losses), net | 16 | (9) | (8) | 10 | 3 |
| Total noninterest income | 750 | 694 | 732 | 711 | 695 |
| **Noninterest Expense** |  |  |  |  |  |
| Compensation and benefits | 698 | 750 | 665 | 690 | 656 |
| Technology and communications | 126 | 123 | 123 | 121 | 114 |
| Net occupancy expense | 83 | 87 | 88 | 81 | 83 |
| Equipment expense | 41 | 42 | 39 | 38 | 38 |
| Loan and lease expense | 36 | 30 | 36 | 34 | 33 |
| Marketing expense | 43 | 28 | 23 | 26 | 34 |
| Card and processing expense | 22 | 21 | 21 | 22 | 21 |
| Other noninterest expense | 215 | 223 | 231 | 232 | 242 |
| Total noninterest expense | 1264 | 1304 | 1226 | 1244 | 1221 |
| **Income Before Income Taxes** | 808 | 653 | 764 | 728 | 764 |
| Applicable income tax expense | 180 | 138 | 144 | 155 | 163 |
| **Net Income** | 628 | 515 | 620 | 573 | 601 |
| Dividends on preferred stock | 37 | 37 | 38 | 41 | 40 |
| **Net Income Available to Common Shareholders** | $591 | $478 | $582 | $532 | $561 |

---

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Fifth Third Bancorp and Subsidiaries** | | | | | |
| Consolidated Balance Sheets |  |  |  |  |  |
| $ in millions, except per share data | As of | As of | As of | % Change | % Change |
| (unaudited) | June | March | June |  |  |
|  | 2025 | 2025 | 2024 | Seq | Yr/Yr |
| **Assets** |  |  |  |  |  |
| Cash and due from banks | $2972 | $3009 | $2837 | (1%) | 5% |
| Other short-term investments | 13043 | 14965 | 21085 | (13%) | (38%) |
| Available-for-sale debt and other securities<sup>(a)</sup>  | 38270 | 39747 | 38986 | (4%) | (2%) |
| Held-to-maturity securities<sup>(b)</sup>  | 11630 | 11185 | 11443 | 4% | 2% |
| Trading debt securities | 1324 | 1159 | 1132 | 14% | 17% |
| Equity securities | 404 | 494 | 476 | (18%) | (15%) |
| Loans and leases held for sale | 646 | 473 | 537 | 37% | 20% |
| Portfolio loans and leases: |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial and industrial loans | 53312 | 53700 | 51840 | (1%) | 3% |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial mortgage loans | 12112 | 12357 | 11429 | (2%) | 6% |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial construction loans | 5551 | 5952 | 5806 | (7%) | (4%) |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial leases | 3177 | 3128 | 2708 | 2% | 17% |
| Total commercial loans and leases | 74152 | 75137 | 71783 | (1%) | 3% |
| &nbsp;&nbsp;&nbsp;&nbsp;Residential mortgage loans | 17681 | 17581 | 17040 | 1% | 4% |
| &nbsp;&nbsp;&nbsp;&nbsp;Home equity | 4485 | 4265 | 3969 | 5% | 13% |
| &nbsp;&nbsp;&nbsp;&nbsp;Indirect secured consumer loans | 17591 | 16804 | 15442 | 5% | 14% |
| &nbsp;&nbsp;&nbsp;&nbsp;Credit card | 1707 | 1660 | 1733 | 3% | (2%) |
| &nbsp;&nbsp;&nbsp;&nbsp;Solar energy installation loans | 4316 | 4262 | 3951 | 1% | 9% |
| &nbsp;&nbsp;&nbsp;&nbsp;Other consumer loans | 2464 | 2482 | 2661 | (1%) | (7%) |
| Total consumer loans | 48244 | 47054 | 44796 | 3% | 8% |
| Portfolio loans and leases | 122396 | 122191 | 116579 |  | 5% |
| Allowance for loan and lease losses | (2412) | (2384) | (2288) | 1% | 5% |
| Portfolio loans and leases, net | 119984 | 119807 | 114291 |  | 5% |
| Bank premises and equipment | 2560 | 2506 | 2389 | 2% | 7% |
| Operating lease equipment | 344 | 314 | 392 | 10% | (12%) |
| Goodwill | 4918 | 4918 | 4918 |  |  |
| Intangible assets | 75 | 82 | 107 | (9%) | (30%) |
| Servicing rights | 1629 | 1663 | 1731 | (2%) | (6%) |
| Other assets | 12192 | 12347 | 12938 | (1%) | (6%) |
| **Total Assets** | $209991 | $212669 | $213262 | (1%) | (2%) |
| **Liabilities** |  |  |  |  |  |
| Deposits: |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Demand | $42174 | $40855 | $40617 | 3% | 4% |
| &nbsp;&nbsp;&nbsp;&nbsp;Interest checking | 55524 | 58420 | 57509 | (5%) | (3%) |
| &nbsp;&nbsp;&nbsp;&nbsp;Savings | 16614 | 17583 | 17419 | (6%) | (5%) |
| &nbsp;&nbsp;&nbsp;&nbsp;Money market | 36586 | 36505 | 36259 |  | 1% |
| &nbsp;&nbsp;&nbsp;&nbsp;CDs $250,000 or less | 10883 | 10248 | 10882 | 6% |  |
| &nbsp;&nbsp;&nbsp;&nbsp;CDs over $250,000 | 2426 | 1894 | 4082 | 28% | (41%) |
| Total deposits | 164207 | 165505 | 166768 | (1%) | (2%) |
| Federal funds purchased | 178 | 227 | 194 | (22%) | (8%) |
| Other short-term borrowings | 3393 | 5457 | 3370 | (38%) | 1% |
| Accrued taxes, interest and expenses | 1970 | 1722 | 2040 | 14% | (3%) |
| Other liabilities | 4627 | 4816 | 5371 | (4%) | (14%) |
| Long-term debt | 14492 | 14539 | 16293 |  | (11%) |
| **Total Liabilities** | 188867 | 192266 | 194036 | (2%) | (3%) |
| **Equity** |  |  |  |  |  |
| Common stock<sup>(c)</sup>  | 2051 | 2051 | 2051 |  |  |
| Preferred stock | 2116 | 2116 | 2116 |  |  |
| Capital surplus | 3794 | 3773 | 3764 | 1% | 1% |
| Retained earnings | 24718 | 24377 | 23542 | 1% | 5% |
| Accumulated other comprehensive loss | (3546) | (3895) | (4901) | (9%) | (28%) |
| Treasury stock | (8009) | (8019) | (7346) |  | 9% |
| **Total Equity** | 21124 | 20403 | 19226 | 4% | 10% |
| **Total Liabilities and Equity** | $209991 | $212669 | $213262 | (1%) | (2%) |
| *(a) Amortized cost* | *$41731* | *$43445* | *$43596* | *(4%)* | *(4%)* |
| *(b) Market values* | *11547* | *11072* | *11187* | *4 %* | *3 %* |
| *(c) Common shares, stated value $2.22 per share (in thousands):* |  |  |  |  |  |
| *Authorized* | *2000000* | *2000000* | *2000000* | *—* | *—* |
| *Outstanding, excluding treasury* | *667710* | *667272* | *680789* | *—* | *—* |
| *Treasury* | *256183* | *256621* | *243103* | *—* | *—* |

---

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Fifth Third Bancorp and Subsidiaries** | | | | | |
| Consolidated Balance Sheets |  |  |  |  |  |
| $ in millions, except per share data | As of | As of | As of | As of | As of |
| (unaudited) | June | March | December | September | June |
|  | 2025 | 2025 | 2024 | 2024 | 2024 |
| **Assets** |  |  |  |  |  |
| Cash and due from banks | $2972 | $3009 | $3014 | $3215 | $2837 |
| Other short-term investments | 13043 | 14965 | 17120 | 21729 | 21085 |
| Available-for-sale debt and other securities<sup>(a)</sup> | 38270 | 39747 | 39547 | 40396 | 38986 |
| Held-to-maturity securities<sup>(b)</sup> | 11630 | 11185 | 11278 | 11358 | 11443 |
| Trading debt securities | 1324 | 1159 | 1185 | 1176 | 1132 |
| Equity securities | 404 | 494 | 341 | 428 | 476 |
| Loans and leases held for sale | 646 | 473 | 640 | 612 | 537 |
| Portfolio loans and leases: |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial and industrial loans | 53312 | 53700 | 52271 | 50916 | 51840 |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial mortgage loans | 12112 | 12357 | 12246 | 11394 | 11429 |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial construction loans | 5551 | 5952 | 5588 | 5947 | 5806 |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial leases | 3177 | 3128 | 3188 | 2873 | 2708 |
| Total commercial loans and leases | 74152 | 75137 | 73293 | 71130 | 71783 |
| &nbsp;&nbsp;&nbsp;&nbsp;Residential mortgage loans | 17681 | 17581 | 17543 | 17166 | 17040 |
| &nbsp;&nbsp;&nbsp;&nbsp;Home equity | 4485 | 4265 | 4188 | 4074 | 3969 |
| &nbsp;&nbsp;&nbsp;&nbsp;Indirect secured consumer loans | 17591 | 16804 | 16313 | 15942 | 15442 |
| &nbsp;&nbsp;&nbsp;&nbsp;Credit card | 1707 | 1660 | 1734 | 1703 | 1733 |
| &nbsp;&nbsp;&nbsp;&nbsp;Solar energy installation loans | 4316 | 4262 | 4202 | 4078 | 3951 |
| &nbsp;&nbsp;&nbsp;&nbsp;Other consumer loans | 2464 | 2482 | 2518 | 2575 | 2661 |
| Total consumer loans | 48244 | 47054 | 46498 | 45538 | 44796 |
| Portfolio loans and leases | 122396 | 122191 | 119791 | 116668 | 116579 |
| Allowance for loan and lease losses | (2412) | (2384) | (2352) | (2305) | (2288) |
| Portfolio loans and leases, net | 119984 | 119807 | 117439 | 114363 | 114291 |
| Bank premises and equipment | 2560 | 2506 | 2475 | 2425 | 2389 |
| Operating lease equipment | 344 | 314 | 319 | 357 | 392 |
| Goodwill | 4918 | 4918 | 4918 | 4918 | 4918 |
| Intangible assets | 75 | 82 | 90 | 98 | 107 |
| Servicing rights | 1629 | 1663 | 1704 | 1656 | 1731 |
| Other assets | 12192 | 12347 | 12857 | 11587 | 12938 |
| **Total Assets** | $209991 | $212669 | $212927 | $214318 | $213262 |
| **Liabilities** |  |  |  |  |  |
| Deposits: |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Demand | $42174 | $40855 | $41038 | $41393 | $40617 |
| &nbsp;&nbsp;&nbsp;&nbsp;Interest checking | 55524 | 58420 | 59306 | 58727 | 57509 |
| &nbsp;&nbsp;&nbsp;&nbsp;Savings | 16614 | 17583 | 17147 | 16990 | 17419 |
| &nbsp;&nbsp;&nbsp;&nbsp;Money market | 36586 | 36505 | 36605 | 37482 | 36259 |
| &nbsp;&nbsp;CDs $250,000 or less | 10883 | 10248 | 10798 | 10480 | 10882 |
| &nbsp;&nbsp;CDs over $250,000 | 2426 | 1894 | 2358 | 3268 | 4082 |
| Total deposits | 164207 | 165505 | 167252 | 168340 | 166768 |
| Federal funds purchased | 178 | 227 | 204 | 169 | 194 |
| Other short-term borrowings | 3393 | 5457 | 4450 | 1424 | 3370 |
| Accrued taxes, interest and expenses | 1970 | 1722 | 2137 | 2034 | 2040 |
| Other liabilities | 4627 | 4816 | 4902 | 4471 | 5371 |
| Long-term debt | 14492 | 14539 | 14337 | 17096 | 16293 |
| **Total Liabilities** | 188867 | 192266 | 193282 | 193534 | 194036 |
| **Equity** |  |  |  |  |  |
| Common stock<sup>(c)</sup> | 2051 | 2051 | 2051 | 2051 | 2051 |
| Preferred stock | 2116 | 2116 | 2116 | 2116 | 2116 |
| Capital surplus | 3794 | 3773 | 3804 | 3784 | 3764 |
| Retained earnings | 24718 | 24377 | 24150 | 23820 | 23542 |
| Accumulated other comprehensive loss | (3546) | (3895) | (4636) | (3446) | (4901) |
| Treasury stock | (8009) | (8019) | (7840) | (7541) | (7346) |
| **Total Equity** | 21124 | 20403 | 19645 | 20784 | 19226 |
| **Total Liabilities and Equity** | $209991 | $212669 | $212927 | $214318 | $213262 |
| *(a) Amortized cost* | *$41731* | *$43445* | *$43878* | *$43754* | *$43596* |
| *(b) Market values* | *11547* | *11072* | *10965* | *11554* | *11187* |
| *(c) Common shares, stated value $2.22 per share (in thousands):* |  |  |  |  |  |
| *Authorized* | *2000000* | *2000000* | *2000000* | *2000000* | *2000000* |
| *Outstanding, excluding treasury* | *667710* | *667272* | *669854* | *676269* | *680789* |
| *Treasury* | *256183* | *256621* | *254039* | *247624* | *243103* |

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| | | | | |
|:---|:---|:---|:---|:---|
| **Fifth Third Bancorp and Subsidiaries** | | | | |
| Consolidated Statements of Changes in Equity |  |  |  |  |
| $ in millions |  |  |  |  |
| (unaudited) |  |  |  |  |
|  | For the Three Months Ended | For the Three Months Ended | Year to Date | Year to Date |
|  | June | June | June | June |
|  | 2025 | 2024 | 2025 | 2024 |
| **Total Equity, Beginning** | $20403 | $19018 | $19645 | $19172 |
| Net income | 628 | 601 | 1142 | 1122 |
| Other comprehensive income (loss), net of tax: |  |  |  |  |
| &nbsp;&nbsp;&nbsp;Change in unrealized gains (losses): |  |  |  |  |
| Available-for-sale debt securities | 179 | 2 | 660 | (177) |
| Qualifying cash flow hedges | 148 | (40) | 383 | (287) |
| &nbsp;&nbsp;&nbsp;Amortization of unrealized losses on securities transferred to held-to-maturity | 22 | 25 | 47 | 50 |
| Comprehensive income | 977 | 588 | 2232 | 708 |
| Cash dividends declared: |  |  |  |  |
| Common stock | (250) | (243) | (501) | (486) |
| Preferred stock | (37) | (40) | (73) | (81) |
| Impact of stock transactions under stock compensation plans, net | 31 | 28 | 47 | 48 |
| Shares acquired for treasury |  | (125) | (226) | (125) |
| Impact of cumulative effect of change in accounting principle |  |  |  | (10) |
| **Total Equity, Ending** | $21124 | $19226 | $21124 | $19226 |

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| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Fifth Third Bancorp and Subsidiaries** | | | | | | |
| Average Balance Sheets and Yield/Rate Analysis | For the Three Months Ended | For the Three Months Ended | For the Three Months Ended | For the Three Months Ended | For the Three Months Ended | For the Three Months Ended |
| $ in millions | June | June | March | March | June | June |
| (unaudited) | 2025 | 2025 | 2025 | 2025 | 2024 | 2024 |
|  | Average | Average | Average | Average | Average | Average |
|  | Balance | Yield/Rate | Balance | Yield/Rate | Balance | Yield/Rate |
| **Assets** |  |  |  |  |  |  |
| Interest-earning assets: |  |  |  |  |  |  |
| Loans and leases: |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial and industrial loans<sup>(a)</sup> | $54109 | 6.28% | $53430 | 6.22% | $52389 | 7.13% |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial mortgage loans<sup>(a)</sup> | 12420 | 6.12% | 12388 | 5.97% | 11353 | 6.26% |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial construction loans<sup>(a)</sup> | 5810 | 7.17% | 5813 | 6.92% | 5917 | 7.14% |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial leases<sup>(a)</sup> | 3121 | 4.83% | 3110 | 4.80% | 2576 | 4.33% |
| Total commercial loans and leases | 75460 | 6.26% | 74741 | 6.17% | 72235 | 6.90% |
| &nbsp;&nbsp;&nbsp;&nbsp;Residential mortgage loans | 18156 | 3.98% | 17980 | 3.96% | 17363 | 3.66% |
| &nbsp;&nbsp;&nbsp;&nbsp;Home equity | 4383 | 7.42% | 4222 | 7.57% | 3929 | 8.37% |
| &nbsp;&nbsp;&nbsp;&nbsp;Indirect secured consumer loans | 17248 | 5.63% | 16476 | 5.57% | 15373 | 5.18% |
| &nbsp;&nbsp;&nbsp;&nbsp;Credit card | 1659 | 14.33% | 1627 | 14.76% | 1728 | 12.86% |
| &nbsp;&nbsp;&nbsp;&nbsp;Solar energy installation loans | 4268 | 8.10% | 4221 | 8.03% | 3916 | 8.35% |
| &nbsp;&nbsp;&nbsp;&nbsp;Other consumer loans | 2483 | 9.09% | 2497 | 9.37% | 2739 | 9.17% |
| Total consumer loans | 48197 | 5.87% | 47023 | 5.88% | 45048 | 5.69% |
| Total loans and leases | 123657 | 6.11% | 121764 | 6.06% | 117283 | 6.43% |
| Securities: |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;Taxable securities | 54896 | 3.29% | 55205 | 3.25% | 55241 | 3.27% |
| &nbsp;&nbsp;&nbsp;Tax exempt securities<sup>(a)</sup> | 1347 | 3.19% | 1393 | 3.18% | 1366 | 3.27% |
| Other short-term investments | 12782 | 4.56% | 14446 | 4.64% | 20609 | 5.67% |
| Total interest-earning assets | 192682 | 5.18% | 192808 | 5.13% | 194499 | 5.43% |
| Cash and due from banks | 2437 |  | 2388 |  | 2637 |  |
| Other assets | 17819 |  | 17714 |  | 17656 |  |
| Allowance for loan and lease losses | (2384) |  | (2352) |  | (2317) |  |
| **Total Assets** | $210554 |  | $210558 |  | $212475 |  |
| **Liabilities** |  |  |  |  |  |  |
| Interest-bearing liabilities: |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Interest checking deposits | $56738 | 2.69% | $57964 | 2.69% | $58156 | 3.39% |
| &nbsp;&nbsp;&nbsp;&nbsp;Savings deposits | 16962 | 0.48% | 17226 | 0.53% | 17747 | 0.67% |
| &nbsp;&nbsp;&nbsp;&nbsp;Money market deposits | 36296 | 2.40% | 36453 | 2.43% | 35511 | 3.00% |
| &nbsp;&nbsp;&nbsp;&nbsp;CDs $250,000 or less | 10494 | 3.52% | 10380 | 3.61% | 10767 | 4.22% |
| Total interest-bearing core deposits | 120490 | 2.36% | 122023 | 2.39% | 122181 | 2.95% |
| &nbsp;&nbsp;&nbsp;&nbsp;CDs over $250,000 | 2200 | 4.07% | 2346 | 4.43% | 4747 | 5.16% |
| Total interest-bearing deposits | 122690 | 2.39% | 124369 | 2.42% | 126928 | 3.04% |
| &nbsp;&nbsp;&nbsp;&nbsp;Federal funds purchased | 206 | 4.39% | 194 | 4.38% | 230 | 5.41% |
| &nbsp;&nbsp;&nbsp;&nbsp;Securities sold under repurchase agreements | 353 | 1.16% | 286 | 0.92% | 373 | 1.97% |
| &nbsp;&nbsp;&nbsp;&nbsp;FHLB advances | 4976 | 4.59% | 4767 | 4.62% | 3165 | 5.71% |
| &nbsp;&nbsp;&nbsp;&nbsp;Derivative collateral and other secured borrowings | 89 | 5.61% | 84 | 6.46% | 54 | 6.87% |
| &nbsp;&nbsp;&nbsp;&nbsp;Long-term debt | 14599 | 5.36% | 14585 | 5.38% | 15611 | 5.78% |
| Total interest-bearing liabilities | 142913 | 2.78% | 144285 | 2.80% | 146361 | 3.39% |
| Demand deposits | 40885 |  | 39788 |  | 40266 |  |
| Other liabilities | 6086 |  | 6485 |  | 7141 |  |
| **Total Liabilities** | 189884 |  | 190558 |  | 193768 |  |
| **Total Equity** | 20670 |  | 20000 |  | 18707 |  |
| **Total Liabilities and Equity** | $210554 |  | $210558 |  | $212475 |  |
| **Ratios:** |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Net interest margin (FTE)<sup>(b)</sup> |  | 3.12% |  | 3.03% |  | 2.88% |
| &nbsp;&nbsp;&nbsp;&nbsp;Net interest rate spread (FTE)<sup>(b)</sup> |  | 2.40% |  | 2.33% |  | 2.04% |
| &nbsp;&nbsp;&nbsp;&nbsp;Interest-bearing liabilities to interest-earning assets |  | 74.17% |  | 74.83% |  | 75.25% |
| *(a) Average Yield/Rate of these assets are presented on an FTE basis.* | *(a) Average Yield/Rate of these assets are presented on an FTE basis.* | *(a) Average Yield/Rate of these assets are presented on an FTE basis.* | *(a) Average Yield/Rate of these assets are presented on an FTE basis.* | *(a) Average Yield/Rate of these assets are presented on an FTE basis.* | *(a) Average Yield/Rate of these assets are presented on an FTE basis.* |  |
| *(b) Non-GAAP measure; see discussion and reconciliation of non-GAAP measures beginning on page 26.* | *(b) Non-GAAP measure; see discussion and reconciliation of non-GAAP measures beginning on page 26.* | *(b) Non-GAAP measure; see discussion and reconciliation of non-GAAP measures beginning on page 26.* | *(b) Non-GAAP measure; see discussion and reconciliation of non-GAAP measures beginning on page 26.* | *(b) Non-GAAP measure; see discussion and reconciliation of non-GAAP measures beginning on page 26.* | *(b) Non-GAAP measure; see discussion and reconciliation of non-GAAP measures beginning on page 26.* |  |

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| | | | | |
|:---|:---|:---|:---|:---|
| **Fifth Third Bancorp and Subsidiaries** | | | | |
| Average Balance Sheets and Yield/Rate Analysis | Year to Date | Year to Date | Year to Date | Year to Date |
| $ in millions | June | June | June | June |
| (unaudited) | 2025 | 2025 | 2024 | 2024 |
|  | Average | Average | Average | Average |
|  | Balance | Yield/Rate | Balance | Yield/Rate |
| **Assets** |  |  |  |  |
| Interest-earning assets: |  |  |  |  |
| Loans and leases: |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial and industrial loans<sup>(a)</sup> | $53772 | 6.25% | $52820 | 7.11% |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial mortgage loans<sup>(a)</sup> | 12404 | 6.05% | 11346 | 6.27% |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial construction loans<sup>(a)</sup> | 5812 | 7.05% | 5825 | 7.17% |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial leases<sup>(a)</sup> | 3115 | 4.81% | 2560 | 4.28% |
| Total commercial loans and leases | 75103 | 6.22% | 72551 | 6.88% |
| &nbsp;&nbsp;&nbsp;&nbsp;Residential mortgage loans | 18068 | 3.97% | 17316 | 3.60% |
| &nbsp;&nbsp;&nbsp;&nbsp;Home equity | 4303 | 7.49% | 3931 | 8.33% |
| &nbsp;&nbsp;&nbsp;&nbsp;Indirect secured consumer loans | 16864 | 5.60% | 15273 | 5.06% |
| &nbsp;&nbsp;&nbsp;&nbsp;Credit card | 1643 | 14.54% | 1751 | 13.30% |
| &nbsp;&nbsp;&nbsp;&nbsp;Solar energy installation loans | 4245 | 8.06% | 3855 | 8.07% |
| &nbsp;&nbsp;&nbsp;&nbsp;Other consumer loans | 2490 | 9.23% | 2814 | 9.06% |
| Total consumer loans | 47613 | 5.87% | 44940 | 5.61% |
| Total loans and leases | 122716 | 6.08% | 117491 | 6.40% |
| Securities: |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Taxable securities | 55050 | 3.27% | 55128 | 3.27% |
| &nbsp;&nbsp;&nbsp;&nbsp;Tax exempt securities<sup>(a)</sup> | 1370 | 3.19% | 1403 | 3.27% |
| Other short-term investments | 13609 | 4.60% | 20902 | 5.62% |
| Total interest-earning assets | 192745 | 5.15% | 194924 | 5.41% |
| Cash and due from banks | 2413 |  | 2690 |  |
| Other assets | 17766 |  | 17544 |  |
| Allowance for loan and lease losses | (2368) |  | (2319) |  |
| **Total Assets** | $210556 |  | $212839 |  |
| **Liabilities** |  |  |  |  |
| Interest-bearing liabilities: |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Interest checking deposits | $57346 | 2.69% | $58489 | 3.39% |
| &nbsp;&nbsp;&nbsp;&nbsp;Savings deposits | 17094 | 0.51% | 17927 | 0.68% |
| &nbsp;&nbsp;&nbsp;&nbsp;Money market deposits | 36374 | 2.41% | 35050 | 2.96% |
| &nbsp;&nbsp;&nbsp;&nbsp;CDs $250,000 or less | 10438 | 3.53% | 10505 | 4.18% |
| Total interest-bearing core deposits | 121252 | 2.37% | 121971 | 2.93% |
| &nbsp;&nbsp;&nbsp;&nbsp;CDs over $250,000 | 2273 | 4.26% | 5134 | 5.19% |
| Total interest-bearing deposits | 123525 | 2.41% | 127105 | 3.02% |
| &nbsp;&nbsp;&nbsp;&nbsp;Federal funds purchased | 200 | 4.38% | 216 | 5.41% |
| &nbsp;&nbsp;&nbsp;&nbsp;Securities sold under repurchase agreements | 320 | 1.05% | 369 | 1.90% |
| &nbsp;&nbsp;&nbsp;&nbsp;FHLB advances | 4872 | 4.60% | 3138 | 5.71% |
| &nbsp;&nbsp;&nbsp;&nbsp;Derivative collateral and other secured borrowings | 86 | 6.02% | 56 | 7.05% |
| &nbsp;&nbsp;&nbsp;&nbsp;Long-term debt | 14592 | 5.37% | 15563 | 5.74% |
| Total interest-bearing liabilities | 143595 | 2.79% | 146447 | 3.37% |
| Demand deposits | 40339 |  | 40552 |  |
| Other liabilities | 6285 |  | 7123 |  |
| **Total Liabilities** | 190219 |  | 194122 |  |
| **Total Equity** | 20337 |  | 18717 |  |
| **Total Liabilities and Equity** | $210556 |  | $212839 |  |
| **Ratios:** |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Net interest margin (FTE)<sup>(b)</sup> |  | 3.08% |  | 2.87% |
| &nbsp;&nbsp;&nbsp;&nbsp;Net interest rate spread (FTE)<sup>(b)</sup> |  | 2.36% |  | 2.04% |
| &nbsp;&nbsp;&nbsp;&nbsp;Interest-bearing liabilities to interest-earning assets |  | 74.50% |  | 75.13% |
| *(a) Average Yield/Rate of these assets are presented on an FTE basis.* |  |  |  |  |
| *(b) Non-GAAP measure; see discussion and reconciliation of non-GAAP measures beginning on page 26.* | *(b) Non-GAAP measure; see discussion and reconciliation of non-GAAP measures beginning on page 26.* | *(b) Non-GAAP measure; see discussion and reconciliation of non-GAAP measures beginning on page 26.* | *(b) Non-GAAP measure; see discussion and reconciliation of non-GAAP measures beginning on page 26.* | *(b) Non-GAAP measure; see discussion and reconciliation of non-GAAP measures beginning on page 26.* |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Fifth Third Bancorp and Subsidiaries** | | | | | |
| Summary of Loans and Leases |  |  |  |  |  |
| $ in millions | For the Three Months Ended | For the Three Months Ended | For the Three Months Ended | For the Three Months Ended | For the Three Months Ended |
| (unaudited) | June | March | December | September | June |
|  | 2025 | 2025 | 2024 | 2024 | 2024 |
| **Average Portfolio Loans and Leases** |  |  |  |  |  |
| Commercial loans and leases: |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial and industrial loans | $54075 | $53401 | $51567 | $51615 | $52357 |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial mortgage loans | 12410 | 12368 | 11792 | 11488 | 11352 |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial construction loans | 5810 | 5797 | 5702 | 5981 | 5917 |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial leases | 3120 | 3110 | 2902 | 2685 | 2575 |
| Total commercial loans and leases | 75415 | 74676 | 71963 | 71769 | 72201 |
| Consumer loans: |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Residential mortgage loans | 17615 | 17552 | 17322 | 17031 | 17004 |
| &nbsp;&nbsp;&nbsp;&nbsp;Home equity | 4383 | 4222 | 4125 | 4018 | 3929 |
| &nbsp;&nbsp;&nbsp;&nbsp;Indirect secured consumer loans | 17248 | 16476 | 16100 | 15680 | 15373 |
| &nbsp;&nbsp;&nbsp;&nbsp;Credit card | 1659 | 1627 | 1668 | 1708 | 1728 |
| &nbsp;&nbsp;&nbsp;&nbsp;Solar energy installation loans | 4268 | 4221 | 4137 | 3990 | 3916 |
| &nbsp;&nbsp;&nbsp;&nbsp;Other consumer loans | 2483 | 2498 | 2545 | 2630 | 2740 |
| Total consumer loans | 47656 | 46596 | 45897 | 45057 | 44690 |
| Total average portfolio loans and leases | $123071 | $121272 | $117860 | $116826 | $116891 |
| **Average Loans and Leases Held for Sale** |  |  |  |  |  |
| Commercial loans and leases held for sale | $45 | $64 | $48 | $16 | $33 |
| Consumer loans held for sale | 541 | 428 | 584 | 573 | 359 |
| Average loans and leases held for sale | $586 | $492 | $632 | $589 | $392 |
| **End of Period Portfolio Loans and Leases** |  |  |  |  |  |
| Commercial loans and leases: |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial and industrial loans | $53312 | $53700 | $52271 | $50916 | $51840 |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial mortgage loans | 12112 | 12357 | 12246 | 11394 | 11429 |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial construction loans | 5551 | 5952 | 5588 | 5947 | 5806 |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial leases | 3177 | 3128 | 3188 | 2873 | 2708 |
| Total commercial loans and leases | 74152 | 75137 | 73293 | 71130 | 71783 |
| Consumer loans: |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Residential mortgage loans | 17681 | 17581 | 17543 | 17166 | 17040 |
| &nbsp;&nbsp;&nbsp;&nbsp;Home equity | 4485 | 4265 | 4188 | 4074 | 3969 |
| &nbsp;&nbsp;&nbsp;&nbsp;Indirect secured consumer loans | 17591 | 16804 | 16313 | 15942 | 15442 |
| &nbsp;&nbsp;&nbsp;&nbsp;Credit card | 1707 | 1660 | 1734 | 1703 | 1733 |
| &nbsp;&nbsp;&nbsp;&nbsp;Solar energy installation loans | 4316 | 4262 | 4202 | 4078 | 3951 |
| &nbsp;&nbsp;&nbsp;&nbsp;Other consumer loans | 2464 | 2482 | 2518 | 2575 | 2661 |
| Total consumer loans | 48244 | 47054 | 46498 | 45538 | 44796 |
| Total portfolio loans and leases | $122396 | $122191 | $119791 | $116668 | $116579 |
| **End of Period Loans and Leases Held for Sale** |  |  |  |  |  |
| Commercial loans and leases held for sale | $74 | $28 | $66 | $100 | $25 |
| Consumer loans held for sale | 572 | 445 | 574 | 512 | 512 |
| Loans and leases held for sale | $646 | $473 | $640 | $612 | $537 |
| Operating lease equipment | $344 | $314 | $319 | $357 | $392 |
| **Loans and Leases Serviced for Others**<sup>(a)</sup> |  |  |  |  |  |
| Commercial and industrial loans | $1166 | $1104 | $1071 | $1178 | $1201 |
| Commercial mortgage loans | 601 | 603 | 579 | 515 | 616 |
| Commercial construction loans | 333 | 367 | 348 | 342 | 309 |
| Commercial leases | 757 | 755 | 725 | 773 | 730 |
| Residential mortgage loans | 91201 | 92769 | 94225 | 95808 | 97280 |
| Solar energy installation loans | 557 | 575 | 593 | 610 | 625 |
| Other consumer loans | 105 | 112 | 119 | 126 | 133 |
| Total loans and leases serviced for others | 94720 | 96285 | 97660 | 99352 | 100894 |
| Total loans and leases owned or serviced | $218106 | $219263 | $218410 | $216989 | $218402 |

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*(a)Fifth Third sells certain loans and leases and obtains servicing responsibilities.* 

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Fifth Third Bancorp and Subsidiaries** | | | | | |
| Regulatory Capital |  |  |  |  |  |
| $ in millions | As of | As of | As of | As of | As of |
| (unaudited) | June | March | December | September | June |
|  | 2025<sup>(a)</sup> | 2025 | 2024 | 2024 | 2024 |
| **Regulatory Capital**<sup>(b)</sup> |  |  |  |  |  |
| CET1 capital | $17616 | $17239 | $17339 | $17272 | $17160 |
| Additional tier 1 capital | 2116 | 2116 | 2116 | 2116 | 2116 |
| Tier 1 capital | 19732 | 19355 | 19455 | 19388 | 19276 |
| Tier 2 capital | 3200 | 3175 | 3291 | 3303 | 3275 |
| Total regulatory capital | $22932 | $22530 | $22746 | $22691 | $22551 |
| Risk-weighted assets | $166810 | $165326 | $164102 | $160604 | $161636 |
| **Ratios** |  |  |  |  |  |
| Average total Bancorp shareholders' equity as a percent of average assets | 9.82% | 9.50% | 9.40% | 9.47% | 8.80% |
| **Regulatory Capital Ratios**<sup>(b)</sup> |  |  |  |  |  |
| Fifth Third Bancorp |  |  |  |  |  |
| CET1 capital | 10.56% | 10.43% | 10.57% | 10.75% | 10.62% |
| Tier 1 risk-based capital | 11.83% | 11.71% | 11.86% | 12.07% | 11.93% |
| Total risk-based capital | 13.75% | 13.63% | 13.86% | 14.13% | 13.95% |
| Leverage | 9.42% | 9.23% | 9.22% | 9.11% | 9.07% |
| Fifth Third Bank, National Association |  |  |  |  |  |
| Tier 1 risk-based capital | 12.85% | 12.78% | 12.86% | 12.99% | 12.81% |
| Total risk-based capital | 14.09% | 14.02% | 14.19% | 14.32% | 14.14% |
| Leverage | 10.26% | 10.10% | 10.02% | 9.82% | 9.76% |

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*(a)Current period regulatory capital data and ratios are estimated.*

*(b)Regulatory capital ratios as of December 31, 2024, September 30, 2024 and June 30, 2024 were calculated pursuant to the five-year transition provision option to phase in the effects of CECL on regulatory capital.*

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Fifth Third Bancorp and Subsidiaries** | | | | | |
| Summary of Credit Loss Experience |  |  |  |  |  |
| $ in millions | For the Three Months Ended | For the Three Months Ended | For the Three Months Ended | For the Three Months Ended | For the Three Months Ended |
| (unaudited) | June | March | December | September | June |
|  | 2025 | 2025 | 2024 | 2024 | 2024 |
| Average portfolio loans and leases: |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial and industrial loans | $54075 | $53401 | $51567 | $51615 | $52357 |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial mortgage loans | 12410 | 12368 | 11792 | 11488 | 11352 |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial construction loans | 5810 | 5797 | 5702 | 5981 | 5917 |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial leases | 3120 | 3110 | 2902 | 2685 | 2575 |
| Total commercial loans and leases | 75415 | 74676 | 71963 | 71769 | 72201 |
| &nbsp;&nbsp;&nbsp;&nbsp;Residential mortgage loans | 17615 | 17552 | 17322 | 17031 | 17004 |
| &nbsp;&nbsp;&nbsp;&nbsp;Home equity | 4383 | 4222 | 4125 | 4018 | 3929 |
| &nbsp;&nbsp;&nbsp;&nbsp;Indirect secured consumer loans | 17248 | 16476 | 16100 | 15680 | 15373 |
| &nbsp;&nbsp;&nbsp;&nbsp;Credit card | 1659 | 1627 | 1668 | 1708 | 1728 |
| &nbsp;&nbsp;&nbsp;&nbsp;Solar energy installation loans | 4268 | 4221 | 4137 | 3990 | 3916 |
| &nbsp;&nbsp;&nbsp;&nbsp;Other consumer loans | 2483 | 2498 | 2545 | 2630 | 2740 |
| Total consumer loans | 47656 | 46596 | 45897 | 45057 | 44690 |
| Total average portfolio loans and leases | $123071 | $121272 | $117860 | $116826 | $116891 |
| Losses charged-off: |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial and industrial loans | ($84) | ($54) | ($61) | ($80) | ($83) |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial mortgage loans | (4) | (11) |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial construction loans |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial leases | (2) | (2) | (2) |  |  |
| Total commercial loans and leases | (90) | (67) | (63) | (80) | (83) |
| &nbsp;&nbsp;&nbsp;&nbsp;Residential mortgage loans |  |  | (1) |  | (1) |
| &nbsp;&nbsp;&nbsp;&nbsp;Home equity | (2) | (2) | (2) | (1) | (1) |
| &nbsp;&nbsp;&nbsp;&nbsp;Indirect secured consumer loans | (33) | (36) | (39) | (35) | (31) |
| &nbsp;&nbsp;&nbsp;&nbsp;Credit card | (20) | (22) | (21) | (21) | (22) |
| &nbsp;&nbsp;&nbsp;&nbsp;Solar energy installation loans | (23) | (21) | (20) | (16) | (14) |
| &nbsp;&nbsp;&nbsp;&nbsp;Other consumer loans | (26) | (25) | (29) | (30) | (30) |
| Total consumer loans | (104) | (106) | (112) | (103) | (99) |
| Total losses charged-off | ($194) | ($173) | ($175) | ($183) | ($182) |
| Recoveries of losses previously charged-off: |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial and industrial loans | $15 | $2 | $6 | $8 | $3 |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial mortgage loans | 1 | 1 |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial construction loans |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial leases | 3 |  |  |  |  |
| Total commercial loans and leases | 19 | 3 | 6 | 8 | 3 |
| &nbsp;&nbsp;&nbsp;&nbsp;Residential mortgage loans | 1 |  | 1 | 1 | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp;Home equity | 2 | 2 | 2 | 1 | 2 |
| &nbsp;&nbsp;&nbsp;&nbsp;Indirect secured consumer loans | 17 | 15 | 12 | 13 | 14 |
| &nbsp;&nbsp;&nbsp;&nbsp;Credit card | 5 | 5 | 4 | 5 | 5 |
| &nbsp;&nbsp;&nbsp;&nbsp;Solar energy installation loans | 3 | 3 | 3 | 2 | 2 |
| &nbsp;&nbsp;&nbsp;&nbsp;Other consumer loans | 8 | 9 | 11 | 11 | 11 |
| Total consumer loans | 36 | 34 | 33 | 33 | 35 |
| Total recoveries of losses previously charged-off | $55 | $37 | $39 | $41 | $38 |
| Net losses charged-off: |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial and industrial loans | ($69) | ($52) | ($55) | ($72) | ($80) |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial mortgage loans | (3) | (10) |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial construction loans |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial leases | 1 | (2) | (2) |  |  |
| Total commercial loans and leases | (71) | (64) | (57) | (72) | (80) |
| &nbsp;&nbsp;&nbsp;&nbsp;Residential mortgage loans | 1 |  |  | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Home equity |  |  |  |  | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp;Indirect secured consumer loans | (16) | (21) | (27) | (22) | (17) |
| &nbsp;&nbsp;&nbsp;&nbsp;Credit card | (15) | (17) | (17) | (16) | (17) |
| &nbsp;&nbsp;&nbsp;&nbsp;Solar energy installation loans | (20) | (18) | (17) | (14) | (12) |
| &nbsp;&nbsp;&nbsp;&nbsp;Other consumer loans | (18) | (16) | (18) | (19) | (19) |
| Total consumer loans | (68) | (72) | (79) | (70) | (64) |
| Total net losses charged-off | ($139) | ($136) | ($136) | ($142) | ($144) |
| Net losses charged-off as a percent of average portfolio loans and leases (annualized): |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial and industrial loans | 0.51% | 0.39% | 0.42% | 0.55% | 0.61% |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial mortgage loans | 0.11% | 0.34% | 0.01% |  | 0.01% |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial construction loans |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial leases | (0.10%) | 0.29% | 0.32% | (0.01%) | (0.01%) |
| Total commercial loans and leases | 0.38% | 0.35% | 0.32% | 0.40% | 0.45% |
| &nbsp;&nbsp;&nbsp;&nbsp;Residential mortgage loans | (0.01%) |  | (0.01%) | (0.02%) | (0.01%) |
| &nbsp;&nbsp;&nbsp;&nbsp;Home equity | 0.02% | 0.04% | (0.01%) | (0.02%) | (0.05%) |
| &nbsp;&nbsp;&nbsp;&nbsp;Indirect secured consumer loans | 0.37% | 0.53% | 0.66% | 0.54% | 0.46% |
| &nbsp;&nbsp;&nbsp;&nbsp;Credit card | 3.74% | 4.19% | 4.00% | 3.74% | 3.98% |
| &nbsp;&nbsp;&nbsp;&nbsp;Solar energy installation loans | 1.86% | 1.73% | 1.64% | 1.44% | 1.25% |
| &nbsp;&nbsp;&nbsp;&nbsp;Other consumer loans | 2.49% | 2.52% | 2.84% | 3.00% | 2.61% |
| Total consumer loans | 0.56% | 0.63% | 0.68% | 0.62% | 0.57% |
| Total net losses charged-off as a percent of average portfolio loans and leases (annualized) | 0.45% | 0.46% | 0.46% | 0.48% | 0.49% |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Fifth Third Bancorp and Subsidiaries** | | | | | |
| Asset Quality |  |  |  |  |  |
| $ in millions | For the Three Months Ended | For the Three Months Ended | For the Three Months Ended | For the Three Months Ended | For the Three Months Ended |
| (unaudited) | June | March | December | September | June |
|  | 2025 | 2025 | 2024 | 2024 | 2024 |
| **Allowance for Credit Losses** |  |  |  |  |  |
| Allowance for loan and lease losses, beginning | $2384 | $2352 | $2305 | $2288 | $2318 |
| &nbsp;&nbsp;&nbsp;&nbsp;Total net losses charged-off | (139) | (136) | (136) | (142) | (144) |
| &nbsp;&nbsp;&nbsp;Provision for loan and lease losses | 167 | 168 | 183 | 159 | 114 |
| Allowance for loan and lease losses, ending | $2412 | $2384 | $2352 | $2305 | $2288 |
| Reserve for unfunded commitments, beginning | $140 | $134 | $138 | $137 | $154 |
| Provision for (benefit from) the reserve for unfunded commitments | 6 | 6 | (4) | 1 | (17) |
| Reserve for unfunded commitments, ending | $146 | $140 | $134 | $138 | $137 |
| Components of allowance for credit losses: |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Allowance for loan and lease losses | $2412 | $2384 | $2352 | $2305 | $2288 |
| &nbsp;&nbsp;&nbsp;&nbsp;Reserve for unfunded commitments | 146 | 140 | 134 | 138 | 137 |
| Total allowance for credit losses | $2558 | $2524 | $2486 | $2443 | $2425 |
|  | As of | As of | As of | As of | As of |
|  | June | March | December | September | June |
|  | 2025 | 2025 | 2024 | 2024 | 2024 |
| **Nonperforming Assets and Delinquent Loans** |  |  |  |  |  |
| Nonaccrual portfolio loans and leases: |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial and industrial loans | $460 | $537 | $374 | $255 | $234 |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial mortgage loans | 48 | 70 | 79 | 78 | 38 |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial construction loans |  |  | 1 | 1 | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial leases |  | 16 | 2 |  | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp;Residential mortgage loans | 143 | 145 | 137 | 131 | 129 |
| &nbsp;&nbsp;&nbsp;&nbsp;Home equity | 75 | 69 | 70 | 67 | 61 |
| &nbsp;&nbsp;&nbsp;&nbsp;Indirect secured consumer loans | 65 | 60 | 55 | 50 | 36 |
| &nbsp;&nbsp;&nbsp;&nbsp;Credit card | 29 | 31 | 32 | 31 | 31 |
| &nbsp;&nbsp;&nbsp;&nbsp;Solar energy installation loans | 26 | 30 | 64 | 64 | 66 |
| &nbsp;&nbsp;&nbsp;&nbsp;Other consumer loans | 7 | 8 | 9 | 9 | 9 |
| Total nonaccrual portfolio loans and leases | 853 | 966 | 823 | 686 | 606 |
| Repossessed property | 8 | 9 | 9 | 11 | 9 |
| OREO | 25 | 21 | 21 | 28 | 28 |
| Total nonperforming portfolio loans and leases and OREO | 886 | 996 | 853 | 725 | 643 |
| Nonaccrual loans held for sale | 27 | 21 | 7 | 8 | 4 |
| Total nonperforming assets | $913 | $1017 | $860 | $733 | $647 |
| Loans and leases 90 days past due (accrual): |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial and industrial loans | $5 | $2 | $5 | $10 | $3 |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial mortgage loans | 3 | 6 |  | 3 | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial leases |  |  | 1 | 1 | 4 |
| Total commercial loans and leases | 8 | 8 | 6 | 14 | 8 |
| &nbsp;&nbsp;&nbsp;&nbsp;Residential mortgage loans<sup>(c)</sup> | 8 | 8 | 6 | 8 | 8 |
| &nbsp;&nbsp;&nbsp;&nbsp;Credit card | 18 | 17 | 20 | 18 | 17 |
| Total consumer loans | 26 | 25 | 26 | 26 | 25 |
| Total loans and leases 90 days past due (accrual)<sup>(b)</sup> | $34 | $33 | $32 | $40 | $33 |
| **Ratios** |  |  |  |  |  |
| Net losses charged-off as a percent of average portfolio loans and leases (annualized) | 0.45% | 0.46% | 0.46% | 0.48% | 0.49% |
| Allowance for credit losses: |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;As a percent of portfolio loans and leases | 2.09% | 2.07% | 2.08% | 2.09% | 2.08% |
| &nbsp;&nbsp;&nbsp;&nbsp;As a percent of nonperforming portfolio loans and leases<sup>(a)</sup> | 300% | 261% | 302% | 356% | 400% |
| &nbsp;&nbsp;&nbsp;&nbsp;As a percent of nonperforming portfolio assets<sup>(a)</sup>  | 289% | 253% | 291% | 337% | 377% |
| Nonperforming portfolio loans and leases as a percent of portfolio loans and leases<sup>(a)</sup> | 0.70% | 0.79% | 0.69% | 0.59% | 0.52% |
| Nonperforming portfolio assets as a percent of portfolio loans and leases and OREO<sup>(a)</sup> | 0.72% | 0.81% | 0.71% | 0.62% | 0.55% |
| Nonperforming assets as a percent of total loans and leases, OREO, and repossessed property | 0.74% | 0.83% | 0.71% | 0.62% | 0.55% |
| *(a) Excludes nonaccrual loans held for sale.* | *(a) Excludes nonaccrual loans held for sale.* | *(a) Excludes nonaccrual loans held for sale.* | *(a) Excludes nonaccrual loans held for sale.* | *(a) Excludes nonaccrual loans held for sale.* | *(a) Excludes nonaccrual loans held for sale.* |
| *(b) Excludes loans held for sale.* | *(b) Excludes loans held for sale.* | *(b) Excludes loans held for sale.* | *(b) Excludes loans held for sale.* | *(b) Excludes loans held for sale.* | *(b) Excludes loans held for sale.* |
| *(c) Excludes government guaranteed residential mortgage loans.* | *(c) Excludes government guaranteed residential mortgage loans.* | *(c) Excludes government guaranteed residential mortgage loans.* | *(c) Excludes government guaranteed residential mortgage loans.* | *(c) Excludes government guaranteed residential mortgage loans.* | *(c) Excludes government guaranteed residential mortgage loans.* |

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**Use of Non-GAAP Financial Measures**

In addition to GAAP measures, management considers various non-GAAP measures when evaluating the performance of the business, including: "net interest income (FTE)," "interest income (FTE)," "net interest margin (FTE)," "net interest rate spread (FTE)," "income before income taxes (FTE)," "tangible net income available to common shareholders," "average tangible common equity," "return on average tangible common equity," "tangible common equity (excluding AOCI)," "tangible common equity (including AOCI)," "tangible equity," "tangible book value per share," "tangible book value per share (excluding AOCI)," "adjusted noninterest income," "noninterest income excluding certain items," "adjusted noninterest expense," "noninterest expense excluding certain items," "pre-provision net revenue," "adjusted efficiency ratio," "adjusted return on average common equity," "adjusted return on average tangible common equity," "adjusted return on average tangible common equity, excluding accumulated other comprehensive income", "adjusted pre-provision net revenue," "adjusted return on average assets," "efficiency ratio (FTE)," "total revenue (FTE)," "noninterest income as a percent of total revenue", and certain ratios derived from these measures. The Bancorp believes these non-GAAP measures provide useful information to investors because these are among the measures used by the Fifth Third management team to evaluate operating performance and to make day-to-day operating decisions.

The FTE basis adjusts for the tax-favored status of income from certain loans and securities held by the Bancorp that are not taxable for federal income tax purposes. The Bancorp believes this presentation to be the preferred industry measurement of net interest income and net interest margin as it provides a relevant comparison between taxable and non-taxable amounts.

The Bancorp believes tangible net income available to common shareholders, average tangible common equity, tangible common equity (excluding AOCI), tangible common equity (including AOCI), tangible equity, tangible book value per share and return on average tangible common equity are important measures for evaluating the performance of the business without the impacts of intangible items, whether acquired or created internally, in a manner comparable to other companies in the industry who present similar measures.

The Bancorp believes noninterest income, noninterest expense, net interest income, net interest margin, pre-provision net revenue, efficiency ratio, noninterest income as a percent of total revenue, return on average common equity, return on average tangible common equity, and return on average assets are important measures that adjust for significant, unusual, or large transactions that may occur in a reporting period which management does not consider indicative of ongoing financial performance and enhances comparability of results with prior periods.

The Bancorp believes noninterest income excluding certain items and noninterest expense excluding certain items are important measures that adjust for certain components that are prone to significant period-to-period changes in order to facilitate the explanation of variances in the noninterest income and noninterest expense line items.

Management considers various measures when evaluating capital utilization and adequacy, including the tangible equity and tangible common equity (including and excluding AOCI), in addition to capital ratios defined by U.S. banking agencies. These calculations are intended to complement the capital ratios defined by U.S. banking agencies for both absolute and comparative purposes. These ratios are not formally defined by U.S. GAAP or codified in the federal banking regulations and, therefore, are considered to be non-GAAP financial measures. Management believes that providing the tangible common equity ratio excluding AOCI on certain assets and liabilities enables investors and others to assess the Bancorp's use of equity without the effects of changes in AOCI, some of which are uncertain; providing the tangible common equity ratio including AOCI enables investors and others to assess the Bancorp's use of equity if components of AOCI, such as unrealized gains or losses, were to be monetized.

Please note that although non-GAAP financial measures provide useful insight, they should not be considered in isolation or relied upon as a substitute for analysis using GAAP measures.

Please see reconciliations of all historical non-GAAP measures used in this release to the most directly comparable GAAP measures, beginning on the following page.

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| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Fifth Third Bancorp and Subsidiaries** | **Fifth Third Bancorp and Subsidiaries** | | | | | |
| Non-GAAP Reconciliation | Non-GAAP Reconciliation |  |  |  |  |  |
| $ and shares in millions | $ and shares in millions | As of and For the Three Months Ended | As of and For the Three Months Ended | As of and For the Three Months Ended | As of and For the Three Months Ended | As of and For the Three Months Ended |
| (unaudited) | (unaudited) | June | March | December | September | June |
|  |  | 2025 | 2025 | 2024 | 2024 | 2024 |
| **Net interest income** | **Net interest income** | $1495 | $1437 | $1437 | $1421 | $1387 |
| Add: Taxable equivalent adjustment | Add: Taxable equivalent adjustment | 5 | 5 | 6 | 6 | 6 |
| Net interest income (FTE) (a) | Net interest income (FTE) (a) | 1500 | 1442 | 1443 | 1427 | 1393 |
| **Net interest income (annualized) (b)** | **Net interest income (annualized) (b)** | 5996 | 5828 | 5717 | 5653 | 5578 |
| Net interest income (FTE) (annualized) (c) | Net interest income (FTE) (annualized) (c) | 6016 | 5848 | 5741 | 5677 | 5603 |
| **Interest income** | **Interest income** | 2484 | 2432 | 2528 | 2669 | 2620 |
| Add: Taxable equivalent adjustment | Add: Taxable equivalent adjustment | 5 | 5 | 6 | 6 | 6 |
| Interest income (FTE) | Interest income (FTE) | 2489 | 2437 | 2534 | 2675 | 2626 |
| Interest income (FTE) (annualized) (d) | Interest income (FTE) (annualized) (d) | 9983 | 9883 | 10081 | 10642 | 10562 |
| **Interest expense (annualized) (e)** | **Interest expense (annualized) (e)** | 3967 | 4035 | 4340 | 4965 | 4959 |
| **Average interest-earning assets (f)** | **Average interest-earning assets (f)** | 192682 | 192808 | 193513 | 195836 | 194499 |
| **Average interest-bearing liabilities (g)** | **Average interest-bearing liabilities (g)** | 142913 | 144285 | 144771 | 147092 | 146361 |
| **Net interest margin (b) / (f)** | **Net interest margin (b) / (f)** | 3.11% | 3.02% | 2.95% | 2.89% | 2.87% |
| Net interest margin (FTE) (c) / (f) | Net interest margin (FTE) (c) / (f) | 3.12% | 3.03% | 2.97% | 2.90% | 2.88% |
| Net interest rate spread (FTE) (d) / (f) - (e) / (g) | Net interest rate spread (FTE) (d) / (f) - (e) / (g) | 2.40% | 2.33% | 2.21% | 2.05% | 2.04% |
| **Income before income taxes** | **Income before income taxes** | $808 | $653 | $764 | $728 | $764 |
| Add: Taxable equivalent adjustment | Add: Taxable equivalent adjustment | 5 | 5 | 6 | 6 | 6 |
| Income before income taxes (FTE) | Income before income taxes (FTE) | 813 | 658 | 770 | 734 | 770 |
| **Net income available to common shareholders** | **Net income available to common shareholders** | 591 | 478 | 582 | 532 | 561 |
| Add: Intangible amortization, net of tax | Add: Intangible amortization, net of tax | 5 | 6 | 7 | 7 | 7 |
| Tangible net income available to common shareholders (h) | Tangible net income available to common shareholders (h) | 596 | 484 | 589 | 539 | 568 |
| Tangible net income available to common shareholders (annualized) (i) | Tangible net income available to common shareholders (annualized) (i) | 2391 | 1963 | 2343 | 2144 | 2284 |
| **Average Bancorp shareholders**' **equity** | **Average Bancorp shareholders**' **equity** | 20670 | 20000 | 19893 | 20251 | 18707 |
| Less: | Average preferred stock | (2116) | (2116) | (2116) | (2116) | (2116) |
|  | Average goodwill | (4918) | (4918) | (4918) | (4918) | (4918) |
|  | Average intangible assets | (79) | (86) | (94) | (103) | (111) |
| Average tangible common equity, including AOCI (j) | Average tangible common equity, including AOCI (j) | 13557 | 12880 | 12765 | 13114 | 11562 |
| Less: | Average AOCI | 3935 | 4362 | 4292 | 3914 | 5278 |
| Average tangible common equity, excluding AOCI (k) | Average tangible common equity, excluding AOCI (k) | 17492 | 17242 | 17057 | 17028 | 16840 |
| **Total Bancorp shareholders**' **equity** | **Total Bancorp shareholders**' **equity** | 21124 | 20403 | 19645 | 20784 | 19226 |
| Less: | Preferred stock | (2116) | (2116) | (2116) | (2116) | (2116) |
|  | Goodwill | (4918) | (4918) | (4918) | (4918) | (4918) |
|  | Intangible assets | (75) | (82) | (90) | (98) | (107) |
| Tangible common equity, including AOCI (l) | Tangible common equity, including AOCI (l) | 14015 | 13287 | 12521 | 13652 | 12085 |
| Less: | AOCI | 3546 | 3895 | 4636 | 3446 | 4901 |
| Tangible common equity, excluding AOCI (m) | Tangible common equity, excluding AOCI (m) | 17561 | 17182 | 17157 | 17098 | 16986 |
| Add: | Preferred stock | 2116 | 2116 | 2116 | 2116 | 2116 |
| Tangible equity (n) | Tangible equity (n) | 19677 | 19298 | 19273 | 19214 | 19102 |
| **Total assets** | **Total assets** | 209991 | 212669 | 212927 | 214318 | 213262 |
| Less: | Goodwill | (4918) | (4918) | (4918) | (4918) | (4918) |
|  | Intangible assets | (75) | (82) | (90) | (98) | (107) |
| Tangible assets, including AOCI (o) | Tangible assets, including AOCI (o) | 204998 | 207669 | 207919 | 209302 | 208237 |
| Less: | AOCI, before tax | 4666 | 5125 | 5868 | 4362 | 6204 |
| Tangible assets, excluding AOCI (p) | Tangible assets, excluding AOCI (p) | $209664 | $212794 | $213787 | $213664 | $214441 |
| **Common shares outstanding (q)** | **Common shares outstanding (q)** | 668 | 667 | 670 | 676 | 681 |
| Tangible equity (n) / (p) | Tangible equity (n) / (p) | 9.39% | 9.07% | 9.02% | 8.99% | 8.91% |
| Tangible common equity (excluding AOCI) (m) / (p) | Tangible common equity (excluding AOCI) (m) / (p) | 8.38% | 8.07% | 8.03% | 8.00% | 7.92% |
| Tangible common equity (including AOCI) (l) / (o) | Tangible common equity (including AOCI) (l) / (o) | 6.84% | 6.40% | 6.02% | 6.52% | 5.80% |
| Tangible book value per share (including AOCI) (l) / (q) | Tangible book value per share (including AOCI) (l) / (q) | $20.98 | $19.92 | $18.69 | $20.20 | $17.75 |
| Tangible book value per share (excluding AOCI) (m) / (q) | Tangible book value per share (excluding AOCI) (m) / (q) | $26.29 | $25.76 | $25.61 | $25.29 | $24.94 |

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| | | | |
|:---|:---|:---|:---|
| **Fifth Third Bancorp and Subsidiaries** | | | |
| Non-GAAP Reconciliation |  |  |  |
| $ in millions | For the Three Months Ended | For the Three Months Ended | For the Three Months Ended |
| (unaudited) | June | March | June |
|  | 2025 | 2025 | 2024 |
| **Net income (r)** | $628 | $515 | $601 |
| **Net income (annualized) (s)** | 2519 | 2089 | 2417 |
| Adjustments (pre-tax items) |  |  |  |
| Valuation of Visa total return swap | 1 | 18 | 23 |
| Severance expense | 15 |  |  |
| Legal settlements and remediation |  |  | 18 |
| FDIC special assessment |  |  | 6 |
| Adjustments, after-tax (t)<sup>(a) (b)</sup> | 12 | 14 | 37 |
| **Net interest income (FTE) (u)** | 1500 | 1442 | 1393 |
| Legal settlements and remediations |  |  | 5 |
| Adjusted net interest income (FTE) (v) | 1500 | 1442 | 1398 |
| Adjusted net interest income (FTE) (annualized) (w) | 6016 | 5848 | 5623 |
| **Noninterest income (x)** | 750 | 694 | 695 |
| Valuation of Visa total return swap | 1 | 18 | 23 |
| Legal settlements and remediations |  |  | 2 |
| Adjusted noninterest income (y) | 751 | 712 | 720 |
| **Noninterest expense (z)** | 1264 | 1304 | 1221 |
| Severance expense | (15) |  |  |
| Legal settlements and remediation |  |  | (11) |
| FDIC special assessment |  |  | (6) |
| Adjusted noninterest expense (aa) | 1249 | 1304 | 1204 |
| Adjusted net income (r) + (t) | 640 | 529 | 638 |
| Adjusted net income (annualized) (ab) | 2567 | 2145 | 2566 |
| Adjusted tangible net income available to common shareholders (h) + (t) | 608 | 498 | 605 |
| Adjusted tangible net income available to common shareholders (annualized) (ac) | 2439 | 2020 | 2433 |
| **Average assets (ad)** | $210554 | $210558 | $212475 |
| Return on average tangible common equity (i) / (j) | 17.6% | 15.2% | 19.8% |
| Return on average tangible common equity excluding AOCI (i) / (k) | 13.7% | 11.4% | 13.6% |
| Adjusted return on average tangible common equity, including AOCI (ac) / (j) | 18.0% | 15.7% | 21.0% |
| Adjusted return on average tangible common equity, excluding AOCI (ac) / (k) | 13.9% | 11.7% | 14.4% |
| **Return on average assets (s) / (ad)** | 1.20% | 0.99% | 1.14% |
| Adjusted return on average assets (z) / (ad) | 1.22% | 1.02% | 1.21% |
| Efficiency ratio (FTE) (z) / [(u) + (x)] | 56.2% | 61.0% | 58.5% |
| Adjusted efficiency ratio (aa) / [(v) + (y)] | 55.5% | 60.5% | 56.8% |
| Net interest margin (FTE) (c) / (f) | 3.12% | 3.03% | 2.88% |
| Adjusted net interest margin (FTE) (w) / (f) | 3.12% | 3.03% | 2.89% |
| Total revenue (FTE) (u) + (x) | $2250 | $2136 | $2088 |
| Adjusted total revenue (FTE) (v) + (y) | $2251 | $2154 | $2118 |
| Pre-provision net revenue (PPNR) (u) + (x) - (z) | $986 | $832 | $867 |
| Adjusted pre-provision net revenue (PPNR) (v) + (y) - (aa) | $1002 | $850 | $914 |
| *Totals may not foot due to rounding.* | *Totals may not foot due to rounding.* | *Totals may not foot due to rounding.* | *Totals may not foot due to rounding.* |
| *(a) Assumes a 23% tax rate in 2024 and a 24% tax rate in 2025.* | *(a) Assumes a 23% tax rate in 2024 and a 24% tax rate in 2025.* | *(a) Assumes a 23% tax rate in 2024 and a 24% tax rate in 2025.* | *(a) Assumes a 23% tax rate in 2024 and a 24% tax rate in 2025.* |
| *(b) A portion of the adjustments related to legal settlements and remediations are not tax-deductible.* | *(b) A portion of the adjustments related to legal settlements and remediations are not tax-deductible.* | *(b) A portion of the adjustments related to legal settlements and remediations are not tax-deductible.* | *(b) A portion of the adjustments related to legal settlements and remediations are not tax-deductible.* |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Fifth Third Bancorp and Subsidiaries** | | | | | |
| Segment Presentation<sup>(b)</sup> |  |  |  |  |  |
| $ in millions |  |  |  |  |  |
| (unaudited) |  |  |  |  |  |
| For the three months ended June 30, 2025 | **Commercial Banking** | **Consumer and Small Business Banking** | **Wealth** <br>**and Asset Management** | **General Corporate** <br>**and Other** | **Total** |
| Net interest income (FTE)<sup>(a)</sup> | $595 | $1085 | $57 | $(237) | $1500 |
| (Provision for) benefit from credit losses | (79) | (84) | 2 | (12) | (173) |
| Net interest income after (provision for) benefit from credit losses | 516 | 1001 | 59 | (249) | 1327 |
| Noninterest income | 321 | 293 | 101 | 35 | 750 |
| Noninterest expense | (453) | (646) | (95) | (70) | (1264) |
| Income (loss) before income taxes (FTE)<sup>(a)</sup> | $384 | $648 | $65 | $(284) | $813 |
| For the three months ended March 31, 2025 | **Commercial Banking** | **Consumer and Small Business Banking** | **Wealth** <br>**and Asset Management** | **General Corporate** <br>**and Other** | **Total** |
| Net interest income (FTE)<sup>(a)</sup> | $552 | $975 | $49 | $(134) | $1442 |
| Provision for credit losses | (80) | (84) |  | (10) | (174) |
| Net interest income after provision for credit losses | 472 | 891 | 49 | (144) | 1268 |
| Noninterest income | 301 | 281 | 109 | 3 | 694 |
| Noninterest expense | (511) | (650) | (106) | (37) | (1304) |
| Income (loss) before income taxes (FTE)<sup>(a)</sup> | $262 | $522 | $52 | $(178) | $658 |
| For the three months ended December 31, 2024 | **Commercial Banking** | **Consumer and Small Business Banking** | **Wealth** <br>**and Asset Management** | **General Corporate** <br>**and Other** | **Total** |
| Net interest income (FTE)<sup>(a)</sup> | $598 | $984 | $48 | $(187) | $1443 |
| Provision for credit losses | (21) | (89) |  | (69) | (179) |
| Net interest income after provision for credit losses | 577 | 895 | 48 | (256) | 1264 |
| Noninterest income | 373 | 278 | 103 | (22) | 732 |
| Noninterest expense | (452) | (617) | (94) | (63) | (1226) |
| Income (loss) before income taxes (FTE)<sup>(a)</sup> | $498 | $556 | $57 | $(341) | $770 |
| For the three months ended September 30, 2024 | **Commercial Banking** | **Consumer and Small Business Banking** | **Wealth** <br>**and Asset Management** | **General Corporate** <br>**and Other** | **Total** |
| Net interest income (FTE)<sup>(a)</sup> | $648 | $1056 | $50 | $(327) | $1427 |
| Provision for credit losses | (76) | (78) |  | (6) | (160) |
| Net interest income after provision for credit losses | 572 | 978 | 50 | (333) | 1267 |
| Noninterest income | 354 | 283 | 99 | (25) | 711 |
| Noninterest expense | (460) | (614) | (95) | (75) | (1244) |
| Income (loss) before income taxes (FTE)<sup>(a)</sup> | $466 | $647 | $54 | $(433) | $734 |
| For the three months ended June 30, 2024 | **Commercial Banking** | **Consumer and Small Business Banking** | **Wealth** <br>**and Asset Management** | **General Corporate** <br>**and Other** | **Total** |
| Net interest income (FTE)<sup>(a)</sup> | $634 | $1081 | $54 | $(376) | $1393 |
| (Provision for) benefit from credit losses | (137) | (70) |  | 110 | (97) |
| Net interest income after (provision for) benefit from credit losses | 497 | 1011 | 54 | (266) | 1296 |
| Noninterest income | 320 | 275 | 98 | 2 | 695 |
| Noninterest expense | (445) | (638) | (93) | (45) | (1221) |
| Income (loss) before income taxes (FTE)<sup>(a)</sup> | $372 | $648 | $59 | $(309) | $770 |
| *(a) Includes taxable equivalent adjustments of $5 million for the three months ended June 30, 2025 and March 31, 2025 and $6 million for the three months ended December 31, 2024, September 30, 2024 and June 30, 2024.*  | *(a) Includes taxable equivalent adjustments of $5 million for the three months ended June 30, 2025 and March 31, 2025 and $6 million for the three months ended December 31, 2024, September 30, 2024 and June 30, 2024.*  | *(a) Includes taxable equivalent adjustments of $5 million for the three months ended June 30, 2025 and March 31, 2025 and $6 million for the three months ended December 31, 2024, September 30, 2024 and June 30, 2024.*  | *(a) Includes taxable equivalent adjustments of $5 million for the three months ended June 30, 2025 and March 31, 2025 and $6 million for the three months ended December 31, 2024, September 30, 2024 and June 30, 2024.*  | *(a) Includes taxable equivalent adjustments of $5 million for the three months ended June 30, 2025 and March 31, 2025 and $6 million for the three months ended December 31, 2024, September 30, 2024 and June 30, 2024.*  | *(a) Includes taxable equivalent adjustments of $5 million for the three months ended June 30, 2025 and March 31, 2025 and $6 million for the three months ended December 31, 2024, September 30, 2024 and June 30, 2024.*  |
| *(b) During the first quarter of 2025, the Bancorp realigned its reporting structure and moved certain business banking customer relationships and relationship management personnel to the Consumer and Small Business Banking segment from the Commercial Banking segment. Prior period results have been adjusted to reflect current presentation.* | *(b) During the first quarter of 2025, the Bancorp realigned its reporting structure and moved certain business banking customer relationships and relationship management personnel to the Consumer and Small Business Banking segment from the Commercial Banking segment. Prior period results have been adjusted to reflect current presentation.* | *(b) During the first quarter of 2025, the Bancorp realigned its reporting structure and moved certain business banking customer relationships and relationship management personnel to the Consumer and Small Business Banking segment from the Commercial Banking segment. Prior period results have been adjusted to reflect current presentation.* | *(b) During the first quarter of 2025, the Bancorp realigned its reporting structure and moved certain business banking customer relationships and relationship management personnel to the Consumer and Small Business Banking segment from the Commercial Banking segment. Prior period results have been adjusted to reflect current presentation.* | *(b) During the first quarter of 2025, the Bancorp realigned its reporting structure and moved certain business banking customer relationships and relationship management personnel to the Consumer and Small Business Banking segment from the Commercial Banking segment. Prior period results have been adjusted to reflect current presentation.* | *(b) During the first quarter of 2025, the Bancorp realigned its reporting structure and moved certain business banking customer relationships and relationship management personnel to the Consumer and Small Business Banking segment from the Commercial Banking segment. Prior period results have been adjusted to reflect current presentation.* |

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## Exhibit 99.2

![](fifththirdbancorppresent001.jpg)© Fifth Third Bancorp \| All Rights Reserved Fifth Third Bancorp 2Q25 Earnings Presentation July 17, 2025 Refer to earnings release dated July 17, 2025 for further information.

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![](fifththirdbancorppresent002.jpg)

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![](fifththirdbancorppresent003.jpg)© Fifth Third Bancorp \| All Rights Reserved For end note descriptions, see end note summary starting on page 42 Key Messages 3 Diversified loan origination platforms and high-quality deposits delivered accelerating NII growth Ongoing investments in strategic growth priorities led to highest adjusted PPNR1 growth rate in 2 years Continued expense discipline resulted in a 130 bps improvement in the adjusted efficiency ratio1 Credit quality strengthened, with NPAs down 11% sequentially, led by an 18% decline in commercial NPAs

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![](fifththirdbancorppresent004.jpg)© Fifth Third Bancorp \| All Rights Reserved • Continued momentum in net interest income and net interest margin due to loan growth, deposit rate management and fixed-rate asset re-pricing • Compared to 2Q24, average consumer and commercial loans increased 7% and 4%, respectively • Generated positive operating leverage for the 3rd consecutive quarter driven by disciplined expense management and accelerating revenue growth • Grew tangible book value per share3 18% over the last year • Generated consumer household growth of 2% compared to 2Q24, including 6% growth in the southeast Reported1 Adjusted1 EPS $0.88 $0.90 ROA 1.20% 1.22% ROE 12.8% 13.0% ROTCE 17.6% 18.0% NIM 3.12% 3.12% Efficiency ratio 56.2% 55.5% PPNR $986MM $1,002MM CET12 10.56% For end note descriptions, see end note summary starting on page 42 2Q25 highlights 4

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![](fifththirdbancorppresent005.jpg)© Fifth Third Bancorp \| All Rights Reserved $1.39 $1.43 $1.44 $1.44 $1.50 $1.40 $1.43 $1.44 $1.44 $1.50 2.89% 2.90% 2.97% 3.03% 3.12% NII Adjusted NII Adjusted NIM 2Q24 3Q24 4Q24 1Q25 2Q25 NII $ in millions; NIM change in bps 1Q25 to 2Q25 adjusted NII & NIM walk T o ta l n et in te re st in co m e; $ b ill io ns Net interest income1 5 For end note descriptions, see end note summary starting on page 42 NII NIM 1Q25 $1,442 3.03% Net market rate impact 8 1 Loan balances / mix 11 — Securities Portfolio 2 1 Excess cash runoff — 2 Deposit / wholesale funding balances / mix 12 3 Interest Recovery 14 3 Day Count 11 (1) 2Q25 $1,500 3.12%

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![](fifththirdbancorppresent006.jpg)© Fifth Third Bancorp \| All Rights Reserved Noninterest income T o ta l n o ni nt er es t in co m e; $ m ill io ns For end note descriptions, see end note summary starting on page 42 6 $ millions 2Q25 PQ YoY Wealth and asset management revenue $166 (3)% 4% Commercial payments revenue 152 (1)% (1)% Consumer banking revenue 147 7% 6% Capital markets fees 90 0% (3)% Commercial banking revenue 79 (1)% (12)% Mortgage banking net revenue 56 (2)% 12% Other noninterest (loss) income 44 214% 529% Securities (losses) gains, net 16 NM 433% Noninterest income $750 8% 8% Impact of certain items (15) Adjusted noninterest income (excl. securities gains/losses, net)1,2 $735 2% 3% Year-over-year • Wealth and asset management revenue up 4% due to AUM growth • Consumer banking revenue up 6% driven by higher deposit fees and card and processing revenue Quarter-over-quarter • Wealth and asset management revenue down 3% due to seasonal tax related revenue in the prior quarter $695 $711 $732 $694 $750$717 $748 $791 $721 $735 Noninterest income Adjusted noninterest income (excl. securities gains/losses, net)¹² 2Q24 3Q24 4Q24 1Q25 2Q25

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![](fifththirdbancorppresent007.jpg)© Fifth Third Bancorp \| All Rights Reserved $1,221 $1,244 $1,226 $1,304 $1,264 $1,204\* $1,225\* $1,218\* $1,304\* $1,249\* 56.8% 56.1% 54.7% 60.5% 55.5% Adjusted noninterest expense¹\* Noninterest expense Adjusted Efficiency Ratio¹ 2Q24 3Q24 4Q24 1Q25 2Q25 T o ta l n o ni nt er es t ex p en se ; $ m ill io ns Noninterest expense 7 $ in millions 2Q25 1Q25 2Q24 Non-qualified deferred compensation expense/ (benefit), primarily offset in securities gains/losses $16 ($4) $3 For end note descriptions, see end note summary starting on page 42 $ millions 2Q25 PQ YoY Compensation and benefits $698 (7)% 6% Technology and communications 126 2% 11% Net occupancy expense 83 (5)% —% Equipment expense 41 (2)% 8% Loan and lease expense 36 20% 9% Card and processing expense 22 5% 5% Marketing expense 43 54% 26% Other noninterest expense 215 (4)% (11)% Total noninterest expense $1,264 (3)% 4% Impact of certain items $(15) Adjusted noninterest expense¹\* $1,249 (4)% 4% Year-over-year • Adjusted noninterest expense1 up 4% compared with 2Q24 due to additions in sales force and investments in technology • Adjusted efficiency ratio1 of 55.5%, improved 130 bps compared to 2Q24 Quarter-over-quarter • Adjusted noninterest expense1 down 4% sequentially due to seasonal decrease in compensation and benefits

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![](fifththirdbancorppresent008.jpg)© Fifth Third Bancorp \| All Rights Reserved Solar energy installation Average loans $116.9 $116.8 $117.9 $121.3 $123.1 $72.2 $71.8 $72.0 $74.7 $75.4 $44.7 $45.1 $45.9 $46.6 $47.7 6.43% 6.48% 6.18% 6.06% 6.11% Commercial Consumer Total loan yield 2Q24 3Q24 4Q24 1Q25 2Q25 $116.6 $116.7 $119.8 $122.2 $122.4 $71.8 $71.1 $73.3 $75.1 $74.2 $44.8 $45.5 $46.5 $47.1 $48.2 Commercial Consumer 2Q24 3Q24 4Q24 1Q25 2Q25 Loans Loan portfolio compositionAverage loan & lease balances $ in billions; loan & lease balances excluding HFS Period-end loan & lease balances $ in billions; loan & lease balances excluding HFS 8 Note: totals shown above may not foot due to rounding 44% 15% 3% 14% 14% 4% 3% 3% Commercial and industrial Commercial real estate Commercial leases Residential mortgage Home equity Indirect secured consumer Credit card and other % of Total Loans Commercial: 61% Consumer: 39%

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![](fifththirdbancorppresent009.jpg)© Fifth Third Bancorp \| All Rights Reserved 5.50% 5.00% 4.50% 4.50% 4.50% 2.31% 2.30% 2.04% 1.84% 1.80% Fed Funds Rate Total Cost of Deposits 2Q24 3Q24 4Q24 1Q25 2Q25 Total cost of deposits Total Deposit MixAverage deposit balances $167.2 $167.2 $167.2 $164.2 $163.6 $162.4 $163.7 $164.7 $161.8 $161.4 3.04% 3.03% 2.68% 2.42% 2.39% Core Deposits CDs > $250K Total interest-bearing deposit costs 2Q24 3Q24 4Q24 1Q25 2Q25 $ in billions Demand, 25% Interest checking, 35% Money Market and Savings, 32% Time Deposits, 8% $ in billions $164B Average Deposits $162.4 $163.7 $164.7 $161.8 $161.4 $122.2 $123.7 $124.6 $122.0 $120.5 $40.3 $40.0 $40.1 $39.8 $40.9 24.8% 24.4% 24.3% 24.6% 25.3% Interest-Bearing $ Non Interest-Bearing $ Non Interest-Bearing % 2Q24 3Q24 4Q24 1Q25 2Q25 Non Interest-Bearing to Core Deposit Trend (Average) $ in billions Deposits 9 Note: Totals shown above may not foot due to rounding

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![](fifththirdbancorppresent010.jpg)© Fifth Third Bancorp \| All Rights Reserved Net charge-offs (NCOs) $144 $142 $136 $136 $139 2Q24 3Q24 4Q24 1Q25 2Q25 Credit quality overview 10 2Q24 3Q24 4Q24 1Q25 2Q25 NPL ratio 0.52% 0.59% 0.69% 0.79% 0.70% NPA ratio1 0.55% 0.62% 0.71% 0.81% 0.72% 30-89 days past due as a % of portfolio loans and leases 0.26% 0.24% 0.25% 0.31% 0.23% NCO ratio 0.49% 0.48% 0.46% 0.46% 0.45% ACL ratio as a % of portfolio loans and leases 2.08% 2.09% 2.08% 2.07% 2.09% Nonperforming loans (NPLs) $606 $686 $823 $966 $853 2Q24 3Q24 4Q24 1Q25 2Q25 Portfolio loans & leases 30-89 days past due $302 $283 $303 $385 $277 2Q24 3Q24 4Q24 1Q25 2Q25 $ in millions For end note descriptions, see end note summary starting on page 42

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![](fifththirdbancorppresent011.jpg)© Fifth Third Bancorp \| All Rights Reserved 2Q15 2Q16 2Q17 2Q18 2Q19 2Q20 2Q21 2Q22 2Q23 2Q24 2Q25 0.00% 0.50% 1.00% Historical net charge-off and NPA ratios Net charge-off ratio Non-performing assets ratio2 2Q15 2Q16 2Q17 2Q18 2Q19 2Q20 2Q21 2Q22 2Q23 2Q24 2Q25 0.00% 0.50% 1.00% Commercial net charge-off ratio 2Q15 2Q16 2Q17 2Q18 2Q19 2Q20 2Q21 2Q22 2Q23 2Q24 2Q25 0.00% 0.50% 1.00% 2Q15 2Q16 2Q17 2Q18 2Q19 2Q20 2Q21 2Q22 2Q23 2Q24 2Q25 0.00% 0.25% 0.50% 0.75% 1.00% Consumer net charge-off ratio 2Q25 0.38% 2Q25 0.45% 2Q25 0.72% 2Q25 0.56% 10-year average excluding COVID1 10-year average excluding COVID1 10-year average excluding COVID1 10-year average excluding COVID1 For end note descriptions, see end note summary starting on page 42 11

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![](fifththirdbancorppresent012.jpg)© Fifth Third Bancorp \| All Rights Reserved 10.43% ~35 bps (~9 bps) ~0 bps (~15 bps) ~2 bps 10.56% 1Q25 Net income to common RWA Share repurchases Common dividends Other 2Q25 12 Strong liquidity and capital position Liquidity position $ in billions Capital position Common equity tier 1 ratio1 • Maintained full Category 1 LCR compliance during the quarter, ending at 120% • Loan-to-core deposit ratio of 76% • For several years, we have performed: – Daily LCR calculations – Monthly liquidity stress tests, including two FITB-specific scenarios over and above regulatory requirements – Monthly 2052a complex liquidity monitoring reporting For end note descriptions, see end note summary starting on page 42; totals shown above may not foot due to rounding Liquidity Sources 3/31/25 6/30/25 Fed reserves $14 $12 Unpledged investment securities $22 $22 Available FHLB borrowing capacity $8 $10 Current Fed discount window availability $61 $61 Total $105 $106

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![](fifththirdbancorppresent013.jpg)© Fifth Third Bancorp \| All Rights Reserved As of July 17, 2025; please see cautionary statements on page 2. Current expectations FY 2025 compared to FY 2024 13 For end note descriptions, see end note summary starting on page 42 Avg. loans & leases (Including HFS) up ~5% Net interest income1 (FY24 baseline: $5.658 billion) up 5.5 - 6.5% assumes 12/31/25 Fed funds rate of 3.75% Noninterest income1 (FY24 baseline: $2.973 billion; excludes securities g/l) up 1 - 2% Noninterest expense1 (FY24 baseline: $4.936 billion; excludes the mark-to-market impact of non-qualified deferred compensation) up 2 - 2.5% Net charge-off ratio 43 - 47 bps Effective tax rate 22 - 23%

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![](fifththirdbancorppresent014.jpg)© Fifth Third Bancorp \| All Rights Reserved As of July 17, 2025; please see cautionary statements on page 2. Current expectations 3Q25 compared to 2Q25 14 For end note descriptions, see end note summary starting on page 42 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 Effective tax rate 22 - 23%

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![](fifththirdbancorppresent015.jpg)© Fifth Third Bancorp \| All Rights Reserved 15 Appendix

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![](fifththirdbancorppresent016.jpg)© Fifth Third Bancorp \| All Rights Reserved Consumer and Business Banking Digital Metrics Average Active Digital Users (Millions) 3.07 3.09 3.09 3.14 3.17 2Q24 3Q24 4Q24 1Q25 2Q25 Digital Engagement Digital Originations Average Active Mobile Users (Millions) 2.32 2.35 2.37 2.40 2.43 2Q24 3Q24 4Q24 1Q25 2Q25 Digital Assisted Mortgage Applications 98% 98% 97% 98% 97% 2Q24 3Q24 4Q24 1Q25 2Q25 New Consumer Deposit Accounts 22% 23% 28% 27% 28% 2Q24 3Q24 4Q24 1Q25 2Q25 Consumer Satisfaction #1 for banking mobile app user satisfaction among regional banks Average app store rating of 4.8 stars vs peer average of 4.6 stars 16 For end note descriptions, see end note summary starting on page 42 1 2

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![](fifththirdbancorppresent017.jpg)© Fifth Third Bancorp \| All Rights Reserved 22% 21% 19% 14% 12% 7% 5% Strategic investments resulting in fee diversification and growth • Total adjusted fee revenue1 accounted for ~34% of total adjusted revenue for the last twelve months ending 6/30/25 • Focused on diversifying revenue to lessen cyclical impacts, with success in Wealth & Asset Management, Capital Markets and Commercial Payments 17 Fee revenue mix is well-diversified LTM 2Q25 adjusted noninterest income mix1,2 Wealth & Asset Management Capital Markets Mortgage Banking Other Noninterest Income Consumer Banking Commercial Banking Commercial Payments Fee contribution as a percent of revenue stands out favorably relative to peers LTM 2Q25 adjusted noninterest income as a percent of adjusted revenue2, unless otherwise noted LTM 2Q25 adjusted noninterest income $2.99B 34% 28% LTM 1Q25 Peer Median For end note descriptions, see end note summary starting on page 42

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![](fifththirdbancorppresent018.jpg)© Fifth Third Bancorp \| All Rights Reserved $72.2 $71.8 $72.0 $74.7 $75.4 $71.8 $71.1 $73.3 $75.1 $74.2 Average Period-end 2Q24 3Q24 4Q24 1Q25 2Q25 2Q24 1Q25 2Q25 NCO ratio1 0.45% 0.35% 0.38% 30-89 delinquencies 0.09% 0.21% 0.06% 90+ delinquencies 0.01% 0.01% 0.01% Nonperforming loans2 0.38% 0.83% 0.69% Portfolio loans and leases $ in billions Key statistics Total commercial portfolio overview Average QoQ change (0.8%) (0.6%) 0.3% 3.8% 1.0% Period-end QoQ change (0.2%) (0.9%) 3.0% 2.5% (1.3%) Commercial portfolio mix 72% 16% 7% 4% C&I Commercial mortgage Commercial construction Commercial leases For end note descriptions, see end note summary starting on page 42; totals shown above may not foot due to rounding 18

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![](fifththirdbancorppresent019.jpg)© Fifth Third Bancorp \| All Rights Reserved $52.4 $51.6 $51.6 $53.4 $54.1$51.8 $50.9 $52.3 $53.7 $53.3 Average Period-end 2Q24 3Q24 4Q24 1Q25 2Q25 19 Key statistics Revolving line utilization trend3 Commercial and industrial overview 36.9% 35.3% 35.6% 35.3% 35.5% 36.1% 35.5% 36.2% 37.0% 36.5% 1Q23 2Q23 3Q23 4Q23 1Q24 2Q24 3Q24 4Q24 1Q25 2Q25 Portfolio loans $ in billions Average QoQ change (1.6%) (1.4%) (0.1%) 3.6% 1.3% Period-end QoQ change (0.7%) (1.8%) 2.7% 2.7% (0.7%) For end note descriptions, see end note summary starting on page 42; totals shown above may not foot due to rounding 2Q24 1Q25 2Q25 NCO ratio1 0.61% 0.39% 0.51% 30-89 delinquencies 0.03% 0.23% 0.05% 90+ delinquencies 0.01% 0.00% 0.01% Nonperforming loans2 0.45% 1.00% 0.86%

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![](fifththirdbancorppresent020.jpg)© Fifth Third Bancorp \| All Rights Reserved • Reduced balances 9% compared to 2Q23 • ~60% of SNC balances are at or near investment grade equivalent borrowers; independently underwrite each transaction • Lead left/lead right on ~50% of relationships • Criticized assets are lower than the rest of the commercial portfolio over a multi-year period 20 High quality Shared National Credit portfolio $ in billions; as of 6/30/25 SNC portfolio $32.5BN ~26% of total loans Shared National Credit portfolio is well diversified Retail 19% Financial Services 15% Rental and Leasing 15% TMT 9% Wholesale Trade 8% Manufacturing 7% Business Services 7% Other 20% Industry mix Key statistics 2Q24 1Q25 2Q25 Loan balance $31.9 $32.7 $32.5 Nonperforming loans2 0.17% 0.86% 0.85% NCO Ratio1 0.92% 0.27% 0.34% For end note descriptions, see end note summary starting on page 42; totals shown above may not foot due to rounding

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![](fifththirdbancorppresent021.jpg)© Fifth Third Bancorp \| All Rights Reserved 21 Low concentration in leveraged lending Note: Totals shown above may not foot due to rounding Total Loan Portfolio Composition Leveraged 2.2% Accommodation & Food Services Information Arts, Entertainment, and Recreation Wholesale Trade Manufacturing Professional, Scientific, and Technical Services Healthcare & Other Social Assistance Finance & Insurance Retail Trade Admin, Support & Other Services Other Diversified Leveraged Portfolio Total Loans $123.0 Billion $2.6 Billion • Significant reduction in leveraged lending portfolio as a percent of total loans – Represents ~2% of loans vs ~8% in 2015 • Leveraged criticized asset rate declined 36% compared to 2Q24 as of 6/30/25 as of 6/30/25

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![](fifththirdbancorppresent022.jpg)© Fifth Third Bancorp \| All Rights Reserved Portfolio loans 41% 21% 17% 8% 5% 4% 3% 51%49% Commercial real estate overview CRE mortgage Balance by occupancy CRE construction Balance by property type Multifamily Other Retail Office Hospitality Industrial Home builder Non-Owner occupied Owner occupied Multifamily 21% Retail 20% Hospitality 20% Office 14% Medical Office 13% Industrial 7% Non-owner occupied property type mix $17.3 $17.5 $17.5 $18.2 $18.2 $17.2 $17.3 $17.8 $18.3 $17.7 $5.9 $6.0 $5.7 $5.8 $5.8 $11.4 $11.5 $11.8 $12.4 $12.4 $5.8 $5.9 $5.6 $6.0 $5.6 $11.4 $11.4 $12.2 $12.4 $12.1 2Q24 3Q24 4Q24 1Q25 2Q25 22 Other 5% For end note descriptions, see end note summary starting on page 42; totals shown above may not foot due to rounding Period-end QoQ change 0.6% 0.6% 2.8% 2.7% (3.5%) $ in billions Average QoQ change 1.2% 1.2% 0.1% 3.8% 0.3% 2Q24 1Q25 2Q25 NCO ratio1 0.01% 0.23% 0.07% 30-89 delinquencies 0.18% 0.03% 0.03% 90+ delinquencies 0.01% 0.03% 0.02% Nonperforming loans2 0.23% 0.38% 0.27% Key statistics Period-end - Commercial mortgageAverage - Commercial mortgage Period-end - Commercial constructionAverage - Commercial construction

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![](fifththirdbancorppresent023.jpg)© Fifth Third Bancorp \| All Rights Reserved Period-end QoQ change 0.5% 1.7% 2.1% 1.2% 2.5% $44.7 $45.1 $45.9 $46.6 $47.7 $44.8 $45.5 $46.5 $47.1 $48.2 2Q24 3Q24 4Q24 1Q25 2Q25 16% 16% 66% 2Q24 1Q25 2Q25 NCO ratio1 0.57% 0.63% 0.56% 30-89 delinquencies 0.52% 0.48% 0.47% 90+ delinquencies 0.06% 0.05% 0.05% Nonperforming loans2 0.74% 0.73% 0.72% Weighted average FICO at origination3 766 767 768 Weighted average LTV at origination 79% 79% 79% Total consumer portfolio overview 23 Portfolio FICO score at origination3 $ in billions Portfolio loans 2% For end note descriptions, see end note summary starting on page 42; totals shown above may not foot due to rounding Average QoQ change 0.3% 0.8% 1.9% 1.5% 2.3% Key statistics 750+720-749<660 660-719 Period-endAverage

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![](fifththirdbancorppresent024.jpg)© Fifth Third Bancorp \| All Rights Reserved Period-end QoQ change 0.3% 0.7% 2.2% 0.2% 0.6% Average QoQ change 0.2% 0.2% 1.7% 1.3% 0.4% 12% 15% 69% Weighted average FICO at origination3 764 764 764 Weighted average LTV at origination 73% 74% 74% Residential mortgage overview 24 $17.0 $17.0 $17.3 $17.6 $17.6$17.0 $17.2 $17.5 $17.6 $17.7 2Q24 3Q24 4Q24 1Q25 2Q25 3% For end note descriptions, see end note summary starting on page 42; totals shown above may not foot due to rounding $ in billions Portfolio loans 2Q24 1Q25 2Q25 NCO ratio1 (0.01%) 0.00% (0.01%) 30-89 delinquencies 0.15% 0.15% 0.17% 90+ delinquencies 0.05% 0.05% 0.05% Nonperforming Loans2 0.76% 0.82% 0.81% Key statistics 750+720-749<660 660-719 Portfolio FICO score at origination3 Period-endAverage

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![](fifththirdbancorppresent025.jpg)© Fifth Third Bancorp \| All Rights Reserved 18% 16% 65% $3.9 $4.0 $4.1 $4.2 $4.4 $4.0 $4.1 $4.2 $4.3 $4.5 2Q24 3Q24 4Q24 1Q25 2Q25 Weighted average FICO at origination3 768 769 770 Weighted average LTV at origination 67% 66% 65% Home equity overview 25 1% For end note descriptions, see end note summary starting on page 42; totals shown above may not foot due to rounding Period-end QoQ change 2.2% 2.6% 2.8% 1.8% 5.2% Average QoQ change (0.1%) 2.3% 2.7% 2.4% 3.8% $ in billions Portfolio loans Period-endAverage 750+720-749<660 660-719 Portfolio FICO score at origination3 2Q24 1Q25 2Q25 NCO ratio1 (0.05%) 0.04% 0.02% 30-89 delinquencies 0.66% 0.63% 0.54% 90+ delinquencies 0.00% 0.00% 0.00% Nonperforming loans2 1.54% 1.62% 1.67% Key statistics

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![](fifththirdbancorppresent026.jpg)© Fifth Third Bancorp \| All Rights Reserved 83% 17% 18% 17% 65% Indirect secured consumer overview 26 Portfolio FICO score at origination \*Includes primarily RV & Marine $15.4 $15.7 $16.1 $16.5 $17.2 $15.4 $15.9 $16.3 $16.8 $17.6 2Q24 3Q24 4Q24 1Q25 2Q25 1% Weighted average FICO at origination 770 772 773 Weighted average LTV at origination 88% 88% 88% For end note descriptions, see end note summary starting on page 42; totals shown above may not foot due to rounding Period-end QoQ change 0.9% 3.2% 2.3% 3.0% 4.7% Average QoQ change 1.3% 2.0% 2.7% 2.3% 4.7% $ in billions Portfolio loans Period-endAverage 2Q24 1Q25 2Q25 NCO ratio1 0.46% 0.53% 0.37% 30-89 delinquencies 0.83% 0.68% 0.70% 90+ delinquencies 0.00% 0.00% 0.00% Nonperforming loans2 0.23% 0.36% 0.37% Key statistics 750+720-749<660 660-719 Portfolio FICO score at origination Auto Specialty Lending\*

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![](fifththirdbancorppresent027.jpg)© Fifth Third Bancorp \| All Rights Reserved 27% 20% 49% Credit card overview 27 $1.7 $1.7 $1.7 $1.6 $1.7 $1.7 $1.7 $1.7 $1.7 $1.7 2Q24 3Q24 4Q24 1Q25 2Q25 Weighted average FICO at origination3 743 743 743 5% Period-end QoQ change (0.2%) (1.7%) 1.8% (4.3%) 2.8% Average QoQ change (2.5%) (1.2%) (2.3%) (2.5%) 2.0% $ in billions Portfolio loans For end note descriptions, see end note summary starting on page 42; totals shown above may not foot due to rounding Period-endAverage 2Q24 1Q25 2Q25 NCO ratio1 3.98% 4.19% 3.74% 30-89 delinquencies 1.10% 1.02% 1.00% 90+ delinquencies 0.98% 1.02% 1.05% Nonperforming loans2 1.79% 1.87% 1.70% Key statistics Portfolio FICO score at origination3 750+720-749<660 660-719

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![](fifththirdbancorppresent028.jpg)© Fifth Third Bancorp \| All Rights Reserved $3.9 $4.0 $4.1 $4.2 $4.3 $4.0 $4.1 $4.2 $4.3 $4.3 2Q24 3Q24 4Q24 1Q25 2Q25 15% 20% 66% Weighted average FICO at origination 772 772 773 Solar energy installation overview 28 For end note descriptions, see end note summary starting on page 42; totals shown above may not foot due to rounding Period-end QoQ change 2.1% 3.2% 3.0% 1.4% 1.3% Average QoQ change 3.2% 1.9% 3.7% 2.0% 1.1% $ in billions Portfolio loans 2Q24 1Q25 2Q25 NCO ratio1 1.25% 1.73% 1.86% 30-89 delinquencies 0.33% 0.52% 0.39% 90+ delinquencies 0.00% 0.00% 0.00% Nonperforming loans2 1.67% 0.70% 0.60% Key statistics Period-endAverage Portfolio FICO score at origination 750+720-749660-719

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![](fifththirdbancorppresent029.jpg)© Fifth Third Bancorp \| All Rights Reserved Allowance for credit losses 29 For end note descriptions, see end note summary starting on page 42; totals shown above may not foot due to rounding Allowance for loan & lease losses Amount % of portfolio loans & leases 1Q25 2Q24 Commercial and industrial loans $902 1.69% 0.12% 0.30% Commercial mortgage loans 323 2.67% 0.06% (0.05%) Commercial construction loans 52 0.94% (0.02%) (0.21%) Commercial leases 16 0.50% (0.01)% (0.02) Total commercial loans and leases $1,293 1.74% 0.09% 0.19% Residential mortgage loans 134 0.76% (0.03) (0.04%) Home equity 93 2.07% (0.13%) (0.60%) Indirect secured consumer loans 317 1.80% (0.06)% (0.03%) Credit card 154 9.02% (0.44%) (2.12%) Solar energy installation loans 307 7.11% (0.47%) (1.07%) Other consumer loans 114 4.63% (0.12%) (0.41%) Total consumer loans 1,119 2.32% (0.11%) (0.30%) Allowance for loan & lease losses 2,412 1.97% 0.02% 0.01% Reserve for unfunded commitments1 146 Allowance for credit losses $2,557 2.09% 0.02% 0.01% Compared to: Allocation of allowance by product $ in millions 2Q25 Change in rate

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![](fifththirdbancorppresent030.jpg)© Fifth Third Bancorp \| All Rights Reserved NPL1 rollforward 30 For end note descriptions, see end note summary starting on page 42; totals shown above may not foot due to rounding 2Q24 3Q24 4Q24 1Q25 2Q25 Balance, beginning of period $372 $274 $334 $456 $623 Transfers to nonaccrual status 51 191 240 273 63 Transfers to accrual status — — (1) (3) (1) Transfers to held for sale — (5) (5) (17) (24) Loan paydowns/payoffs (66) (47) (49) (19) (70) Transfer to OREO — — — — — Charge-offs (83) (80) (63) (67) (90) Draws/other extensions of credit — 1 — — 7 Balance, end of period $274 $334 $456 $623 $508 2Q24 3Q24 4Q24 1Q25 2Q25 Balance, beginning of period $336 $332 $352 $367 $343 Transfers to nonaccrual status 94 104 101 109 95 Transfers to accrual status (26) (14) (13) (48) (26) Transfers to held for sale — — — — — Loan paydowns/payoffs (23) (25) (25) (30) (27) Transfer to OREO (4) (7) (7) (5) (5) Charge-offs (46) (40) (43) (52) (37) Draws/other extensions of credit 1 2 2 2 2 Balance, end of period $332 $352 $367 $343 $345 Commercial $ in millions Consumer $ in millions Total NPL $606 $686 $823 $966 $853 Total new nonaccrual loans - HFI 145 295 341 382 158 Total NPL $ in millions

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![](fifththirdbancorppresent031.jpg)© Fifth Third Bancorp \| All Rights Reserved Balance sheet positioning 31 For end note descriptions, see end note summary starting on page 42; totals shown above may not foot due to rounding C&I 35% Fix \| 65% Variable Coml. mortgage 40% Fix \| 60% Variable Coml. construction 30% Fix \| 70% Variable Coml. lease 100% Fix \| 0% Variable 32% 54% 14% 72% 16% 8% 4% • 54% allocation to bullet/locked- out cash flow securities • AFS & HTM spot yield: 3.19% • AFS net unrealized pre-tax loss: $3.5BN $28.5BN fixed \| $45.7BN variable1,2 Commercial loans1,2 Investment portfolioConsumer loans1 Long-term debt3 $41.5BN fixed \| $6.7BN variable1 $9.3BN fixed \| $5.2BN variable3 • 1M based: 37%4,7 • 3M based: 7%4,7 • Prime & O/N based: 17%4,7 • Other based: 1%4,6,7 • Weighted avg. life: 1.7 years1 • 1M based: 1%5,7 • Prime: 12%5 • Other based: 1%5,7,8 • Weighted avg. life: 3.8 years1 • SOFR based: 36% • Weighted avg. life: 4.4 years Includes $3.6BN non-agency CMBS (All super-senior, AAA-rated securities; 58.5% WA LTV, ~35% WA credit enhancement) 36% 37% 9% 14% 4% 70% 12% 5% 13% The information above incorporates the impact of $11BN in C&I receive-fixed swaps, $4BN in CRE receive-fixed swaps2, and ~$5BN fair value hedges associated with long-term debt (receive-fixed swaps) Auto/indirect 100% Fix \| 0% Variable Resi mtg. & construction 96% Fix \| 4% Variable Home equity 12% Fix \| 88% Variable Other 84% Fix \| 16% Variable Credit card 38% Fix \| 62% Variable Level 1 80% Fix \| 20% Variable Level 2A 100% Fix \| 0% Variable Non-HQLA/ Other 91% Fix \| 9% Variable Senior debt 57% Fix \| 43% Variable Sub debt 59% Fix \| 41% Variable Auto securiz. proceeds 100% Fix \| 0% Variable Other 97% Fix \| 3% Variable

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![](fifththirdbancorppresent032.jpg)© Fifth Third Bancorp \| All Rights Reserved Managing rate risk against conservative outcomes 32 For end note descriptions, see end note summary starting on page 42; totals shown above may not foot due to rounding Estimated NII sensitivity profile and ALCO policy limits Estimated NII beta sensitivity Rate risk models assume approximately 75-80% effective up betas and 60-65% down betas in our baseline NII sensitivity used in IRR simulations1,2 • Models are calibrated to performance in prior rate cycles • Additionally, rate risk measures assume no deposit re-pricing lags As of June 30, 2025: • 43% of HFI loans were variable rate net of existing hedges (62% of total commercial; 14% of total consumer) • Short-term borrowings represent only 1% of total funding • Approximately $10.8BN in non-core funding matures beyond one year % Change NII (FTE) ALCO policy limit Change in interest rates (bps) 12 months 13 to 24 months 12 months 13 to 24 months +200 Ramp over 12 months (3.5%) (4.5%) (6.0%) (7.0%) +100 Ramp over 12 months (1.7%) (2.0%) NA NA -100 Ramp over 12 months 0.9% 0.6% NA NA -200 Ramp over 12 months 1.3% (0.2%) (6.0%) (7.0%) 5% Higher Beta 5% Lower Beta Change in interest rates (bps) 12 months 13 to 24 months 12 months 13 to 24 months +200 Ramp over 12 months (4.2%) (5.7%) (2.6%) (2.8%) +100 Ramp over 12 months (2.1%) (2.7%) (1.3%) (1.2%) -100 Ramp over 12 months 1.2% 1.2% 0.5% —% -200 Ramp over 12 months 1.9% 0.9% 0.6% (1.4%) Estimated NII sensitivity with demand deposit balance changes % Change in NII (FTE) $1BN balance decline $1BN balance increase Change in interest rates (bps) 12 months 13 to 24 months 12 months 13 to 24 months +200 Ramp over 12 months (4.4%) (5.5%) (2.6%) (3.5%) +100 Ramp over 12 months (2.5%) (2.9%) (0.9%) (1.2%) -100 Ramp over 12 months 0.3% 0.1% 1.5% 1.2% -200 Ramp over 12 months 0.7% (0.6%) 1.8% 0.2%

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![](fifththirdbancorppresent033.jpg)© Fifth Third Bancorp \| All Rights Reserved 33 Investment portfolio composition Investment portfolio characteristics Held-to-maturity portfolio • $11.6BN portfolio • Reclassification during 1Q24 aimed to de-risk potential AOCI volatility to capital under proposed capital rules • Securities selected for HTM meet Reg YY eligibility and inclusion requirements Available-for-sale portfolio • $41.7BN portfolio • $3.6BN Non-agency CMBS portfolio – All positions are super-senior AAA rated with WA credit enhancement of 35% – Securities are 20% risk-weighted and are pledgeable to the FHLB – Underlying loans in our structures have a WA LTV of ~60% – Credit risk team analyzes transactions at the underlying property- level, similar to what we do for all our CRE loan commitments HTM 22% AFS 78% AFS and HTM portfolio; amortized cost basis; as of 6/30/25 Amortized cost basis; as of 6/30/25 Securities mix Agency CMBS Agency RMBS Non- agency CMBS Treasuries Other Effective duration HTM 34% 45% — 21% — 5.3 AFS 56% 18% 9% 8% 9% 3.9 Total 51% 24% 7% 11% 7% 4.2 Securities portfolio Securities portfolio $53BN ~28% of interest earning assets ‒ Leverage analytical tools with over 40+ years of historical data to stress the securities at an individual property level on a recurring basis, including significant market distress in real estate valuations Note: Totals shown above may not foot due to rounding

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![](fifththirdbancorppresent034.jpg)© Fifth Third Bancorp \| All Rights Reserved 10-year treasury yield ($5.8) ($4.2) ($3.2) ($4.0) ($3.5) ($3.3) 9/30/23 6/30/24 9/30/24 12/31/24 3/31/25 6/30/25 Projected AOCI accretion ($2.9) ($2.6) ($2.2) ($1.9) ($1.6) 12/31/25E 12/31/26E 12/31/27E 12/31/28E 12/31/29E Securities portfolio AOCI accretion 34 $ in billions; 6/30/25 AFS and HTM portfolio unrealized loss, after-tax ~42% capital accretion ~21% capital accretion Historical AOCI accretion ~44% capital accretion since 3Q23 AOCI accretion1 assuming implied forward curve2 4.2%4.4% 3.8% 4.6% 4.2% For end note descriptions, see end note summary starting on page 42; totals shown above may not foot due to rounding 4.6%

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![](fifththirdbancorppresent035.jpg)© Fifth Third Bancorp \| All Rights Reserved $14.83 $17.64 $18.69 $20.98 $21.47 $22.02 $22.52 $23.04 3.88% 3.88% 4.58% 4.24% 4.3% 4.5% 4.7% 4.9% TBV/S AOCI accretion 10-year treasury yield 12/31/2022 12/31/2023 12/31/2024 6/30/2025 12/31/2025 12/31/2026 12/31/2027 12/31/2028 Balance sheet positioned to grow tangible book value per share 35 TBV/share1 will improve due to AOCI accretion alone Projected TBV/share growth includes no earnings contribution from 2025-20282 For end note descriptions, see end note summary starting on page 42 Actuals Forecast +19% +6% +12% +3% +2% +2% Projected growth from AOCI burndown alone1 +2%

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![](fifththirdbancorppresent036.jpg)© Fifth Third Bancorp \| All Rights Reserved 3.17% $15 $14 $10 $9 $8 $5 2Q25 1Q30 4Q30 2Q31 3Q31 4Q31 Cash flow hedges Receive-fixed swaps1 EOP notional value of cash flow hedges ($ in billions) Actual 36 Existing receive-fixed swaps2 Weighted average receive fixed rate 3.27%3.19% 3.29% 3.32% 3.44%3 For end note descriptions, see end note summary starting on page 42

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![](fifththirdbancorppresent037.jpg)© Fifth Third Bancorp \| All Rights Reserved $18 $18 $17 $14 $19 $78 $77 $75 $74 $73 ($6) ($4) $3 $3 $5 ($40) ($41) ($38) ($34) ($41) $50 $50 $57 $57 $56 Origination fees and gains on loan sale Gross servicing fees Net MSR Valuation MSR decay 2Q24 3Q24 4Q24 1Q25 2Q25 Mortgage banking results $ in millions Mortgage banking net revenue Mortgage originations and margins $ in billions Rate lock margin represents gains recorded associated with salable rate locks divided by salable rate locks. Gain-on-sale margin represents gains on all loans originated for sale divided by salable originations. 37 $1.6 $1.9 $1.9 $1.4 $2.0 $1.0 $1.3 $1.2 $0.9 $1.3 $0.6 $0.6 $0.6 $0.5 $0.7Originations HFI Originations HFS 2Q24 3Q24 4Q24 1Q25 2Q25 Note: Totals shown above may not foot due to rounding Rate lock margin 1.30% 1.11% 0.98% 1.46% 1.23% Gain-on-sale margin 1.48% 1.00% 1.00% 1.31% 1.17% Mortgage banking net revenue $50 $50 $57 $57 $56

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![](fifththirdbancorppresent038.jpg)© Fifth Third Bancorp \| All Rights Reserved Preferred dividend schedule 3Q25 4Q25 1Q26 2Q26 Series H ~$12 ~$11 ~$10 ~$10 Series I ~$9 ~$9 ~$9 ~$9 Series J ~$6 ~$6 ~$5 ~$5 Series K ~$3 ~$3 ~$3 ~$3 Series L3 ~$4 ~$7 ~$7 ~$7 Class B Series A ~$3 ~$3 ~$3 ~$3 Total ~$37 ~$39 ~$37 ~$37 Upcoming preferred dividend schedule1 $ in millions 38 Floating2 Floating2 Floating2 For end note descriptions, see end note summary starting on page 42; totals shown above may not foot due to rounding

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![](fifththirdbancorppresent039.jpg)© Fifth Third Bancorp \| All Rights Reserved 2Q25 reported EPS of $0.88 included a negative $0.02 impact from the following notable item(s): • $15 million pre-tax (~$11 million after-tax2) charge related to severance expense • $1 million pre-tax (~$1 million after-tax2) charge related to the valuation of the Visa total return swap 2Q25 adjustments and notable items Adjusted EPS of $0.901 39 For end note descriptions, see end note summary starting on page 42

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![](fifththirdbancorppresent040.jpg)© Fifth Third Bancorp \| All Rights Reserved Fifth Third Bancorp and Subsidiaries For the three months ended $ and shares in millions (unaudited) June March December September June 2025 2025 2024 2024 2024 Net income (U.S. GAAP) (a) $628 $515 $620 $573 $601 Net income (U.S. GAAP) (annualized) (b) $2,519 $2,089 $2,467 $2,280 $2,417 Net income available to common shareholders (U.S. GAAP) (c) $591 $478 $582 $532 $561 Add: Intangible amortization, net of tax 5 6 7 7 7 Tangible net income available to common shareholders (d) $596 $484 $589 $539 $568 Tangible net income available to common shareholders (annualized) (e) $2,391 $1,963 $2,343 $2,144 $2,284 Net income available to common shareholders (annualized) (f) $2,371 $1,939 $2,315 $2,116 $2,256 Average Bancorp shareholders' equity (U.S. GAAP) (g) $20,670 $20,000 $19,893 $20,251 $18,707 Less: Average preferred stock (h) (2,116) (2,116) (2,116) (2,116) (2,116) Average goodwill (4,918) (4,918) (4,918) (4,918) (4,918) Average intangible assets and other servicing rights (79) (86) (94) (103) (111) Average tangible common equity (i) $13,557 $12,880 $12,765 $13,114 $11,562 Less: Average accumulated other comprehensive income ("AOCI") 3,935 4,362 4,292 3,914 5,278 Average tangible common equity, excluding AOCI (j) $17,492 $17,242 $17,057 $17,028 $16,840 Adjustments (pre-tax items) Valuation of Visa total return swap 1 18 51 47 23 Interchange litigation matters — — 4 10 — Severance expense 15 — — 9 — Legal settlements and remediations — — — — 18 FDIC special assessment — — (11) — 6 Fifth Third Foundation contribution — — 15 — — Adjustments - after-tax1,2 (k) $12 $14 $46 $51 $37 Adjustments (tax related items) Benefit related to the resolution of certain state income tax matters — — (15) — — Adjustments (tax related items) (l) — — (15) — — Adjusted net income [(a) + (k)+ (l)] $640 $529 $650 $624 $638 Adjusted net income (annualized) (m) $2,567 $2,145 $2,586 $2,482 $2,566 Adjusted net income available to common shareholders [(c) + (k) + (l)] $603 $492 $613 $583 $598 Adjusted net income available to common shareholders (annualized) (n) $2,419 $1,995 $2,439 $2,319 $2,405 Adjusted tangible net income available to common shareholders [(d) + (k) + (l)] 608 $498 $620 $590 $605 Adjusted tangible net income available to common shareholders (annualized) (o) $2,439 $2,020 $2,466 $2,347 $2,433 Average assets (p) $210,554 $210,558 $211,709 $213,838 $212,475 Metrics: Return on assets (b) / (p) 1.20% 0.99% 1.17% 1.06% 1.14% Adjusted return on assets (m) / (p) 1.22% 1.02% 1.22% 1.16% 1.21% Return on average common equity (f) / [(g) + (h)] 12.8% 10.8% 13.0% 11.7% 13.6% Adjusted return on average common equity (n) / [(g) + (h)] 13.0% 11.2% 13.7% 12.8% 14.5% Return on average tangible common equity (e) / (i) 17.6% 15.2% 18.4% 16.3% 19.8% Adjusted return on average tangible common equity (o) / (i) 18.0% 15.7% 19.3% 17.9% 21.0% Adjusted return on average tangible common equity, excluding AOCI (o) / (j) 13.9% 11.7% 14.5% 13.8% 14.4% 40 Non-GAAP reconciliation For end note descriptions, see end note summary starting on page 42; totals shown above may not foot due to rounding

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![](fifththirdbancorppresent041.jpg)© Fifth Third Bancorp \| All Rights Reserved Non-GAAP reconciliation 41 Fifth Third Bancorp and Subsidiaries For three months ended $ and shares in millions (unaudited) June March December September June 2025 2025 2024 2024 2024 Average interest-earning assets (a) $192,682 $192,808 $193,513 $195,836 $194,499 Net interest income (U.S. GAAP) (b) $1,495 $1,437 $1,437 $1,421 $1,387 Add: Taxable equivalent adjustment 5 5 6 6 6 Net interest income (FTE) (c) $1,500 $1,442 $1,443 $1,427 $1,393 Legal settlements and remediations — — — — 5 Adjusted net interest income (FTE) (d) $1,500 $1,442 $1,443 $1,427 $1,398 Net interest income (FTE) (annualized) (e) $6,016 $5,848 $5,741 $5,677 $5,603 Adjusted net interest income (FTE) (annualized) (f) $6,016 $5,848 $5,741 $5,677 $5,623 Noninterest income (U.S. GAAP) (g) $750 $694 $732 $711 $695 Valuation of Visa total return swap 1 18 51 47 23 Legal settlements and remediations — — — — 2 Adjusted noninterest income (h) $751 $712 $783 $758 $720 Add: Securities (gains)/losses (16) 9 8 (10) (3) Adjusted noninterest income, (excl. securities (gains)/losses) $735 $721 $791 $748 $717 Noninterest expense (U.S. GAAP) (i) $1,264 $1,304 $1,226 $1,244 $1,221 Interchange litigation matters — — (4) (10) — Severance expense (15) — — (9) — Legal settlements and remediations — — — — (11) FDIC Special Assessment — — 11 — (6) Fifth Third Foundation contribution — — (15) — — Adjusted noninterest expense (j) $1,249 $1,304 $1,218 $1,225 $1,204 Metrics: Revenue (FTE) (c) + (g) 2,250 2,136 2,175 2,138 2,088 Adjusted revenue (d) + (h) 2,251 2,154 2,226 2,185 2,118 Pre-provision net revenue [(c) + (g) - (i)] 986 832 949 894 867 Adjusted pre-provision net revenue [(d) + (h) - (j)] 1,002 850 1,008 960 914 Net interest margin (FTE) (e) / (a) 3.12% 3.03% 2.97% 2.90% 2.88% Adjusted net interest margin (FTE) (f) / (a) 3.12% 3.03% 2.97% 2.90% 2.89% Efficiency ratio (FTE) (i) / [(c) + (g)] 56.2% 61.0% 56.4% 58.2% 58.5% Adjusted efficiency ratio (j) / [(d) + (h)] 55.5% 60.5% 54.7% 56.1% 56.8% For end note descriptions, see end note summary starting on page 42; totals shown above may not foot due to rounding

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![](fifththirdbancorppresent042.jpg)© Fifth Third Bancorp \| All Rights Reserved 42 Earnings presentation end notes Slide 3 end notes 1. Non-GAAP measure: see reconciliation on pages 40 and 41 of this presentation and use of non-GAAP measures on pages 26-28 of the earnings release. Slide 4 end notes 1. Reported ROTCE, NIM, pre-provision net revenue, and efficiency ratio are non-GAAP measures: all adjusted figures are non-GAAP measures; see reconciliation on pages 40 and 41 of this presentation and the use of non-GAAP measures on pages 26-28 of the earnings release. 2. Current period regulatory capital ratios are estimated. 3. Non-GAAP measure: see reconciliation on pages 40 and 41 of this presentation and use of non-GAAP measures on pages 26-28 of the earnings release. Slide 5 end notes 1. Results are on a fully-taxable equivalent basis; non-GAAP measure: see reconciliation on pages 40 and 41 of this presentation and use of non-GAAP measures on pages 26-28 of the earnings release. Slide 6 end notes 1. Non-GAAP measure: see reconciliation on pages 40 and 41 of this presentation and use of non-GAAP measures on pages 26-28 of the earnings release 2. Includes the effects of non-qualified deferred compensation Slide 7 end notes 1. Non-GAAP measure: see reconciliation on pages 40 and 41 of this presentation and use of non-GAAP measures on pages 26-28 of the earnings release. Slide 10 end notes 1. Excludes nonaccrual loans HFS. Slide 11 end notes 1. Excludes 2020, 2021, and 2022 metrics. 2. Loan balances exclude nonaccrual loans HFS Slide 12 end notes 1. Current period regulatory capital ratios are estimated. Slide 13 end notes 1. Non-GAAP measure: see reconciliation on pages 40 and 41 of this presentation and use of non-GAAP measures on pages 26-28 of the earnings release. Slide 14 end notes 1. Non-GAAP measure: see reconciliation on pages 40 and 41 of this presentation and use of non-GAAP measures on pages 26-28 of the earnings release. Slide 16 end notes 1. Digitally active defined as having at least one login to mobile or online banking during the quarter. 2. Mobile active defined as having at least one login to mobile banking during the quarter. Slide 17 end notes 1. Excluding securities gains/losses 2. Non-GAAP measure: see reconciliation on pages 40 and 41 of this presentation and use of non-GAAP measures on pages 26-28 of the earnings release. Slide 18 end notes 1. Net losses charged-off as a percent of average portfolio loans and leases presented on an annualized basis. 2. Nonperforming portfolio loans and leases as a percent of portfolio loans and leases.

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![](fifththirdbancorppresent043.jpg)© Fifth Third Bancorp \| All Rights Reserved Earnings presentation end notes Slide 19 end notes 1. Net losses charged-off as a percent of average portfolio loans and leases presented on an annualized basis. 2. Nonperforming portfolio loans and leases as a percent of portfolio loans and leases. 3. Total commercial portfolio line utilization. Slide 20 end notes 1. Net losses charged-off as a percent of average portfolio loans and leases presented on an annualized basis. 2. Nonperforming portfolio loans and leases as a percent of portfolio loans and leases. Slide 22 end notes 1. Net losses charged-off as a percent of average portfolio loans and leases presented on an annualized basis. 2. Nonperforming portfolio loans and leases as a percent of portfolio loans and leases. Slide 23 end notes 1. Net losses charged-off as a percent of average portfolio loans and leases presented on an annualized basis. 2. Nonperforming portfolio loans and leases as a percent of portfolio loans and leases. 3. FICO distributions at origination exclude certain acquired mortgage & home equity loans, and certain credit loans on book primarily ~15+ years. Slide 24 end notes 1. Net losses charged-off as a percent of average portfolio loans and leases presented on an annualized basis. 2. Nonperforming portfolio loans and leases as a percent of portfolio loans and leases. 3. FICO distributions at origination exclude certain acquired mortgage loans. Slide 25 end notes 1. Net losses charged-off as a percent of average portfolio loans and leases presented on an annualized basis. 2. Nonperforming portfolio loans and leases as a percent of portfolio loans and leases. 3. FICO distributions at origination exclude certain acquired home equity loans. Slide 26 end notes 1. Net losses charged-off as a percent of average portfolio loans and leases presented on an annualized basis. 2. Nonperforming portfolio loans and leases as a percent of portfolio loans and leases. Slide 27 end notes 1. Net losses charged-off as a percent of average portfolio loans and leases presented on an annualized basis. 2. Nonperforming portfolio loans and leases as a percent of portfolio loans and leases. 3. FICO distributions at origination exclude certain credit loans on book primarily ~15+ years. Slide 28 end notes 1. Net losses charged-off as a percent of average portfolio loans and leases presented on an annualized basis. 2. Nonperforming portfolio loans and leases as a percent of portfolio loans and leases. Slide 29 end notes 1. 2Q25 commercial and consumer portfolio make up ~$98M and ~$47M, respectively, of the total reserve for unfunded commitment. Slide 30 end notes 1. Loan balances exclude nonaccrual loans HFS. 43

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![](fifththirdbancorppresent044.jpg)© Fifth Third Bancorp \| All Rights Reserved 44 Earnings presentation end notes Slide 31 end notes Note: Data as of 6/30/2025. 1. Excludes HFS Loans & Leases. 2. Fifth Third had $15B of commercial variable loans classified as fixed given the impacts of $11BN in C&I receive-fix swaps and $4BN in CRE receive-fixed swaps 3. Fifth Third had $4.96BN SOFR receive-fix swaps outstanding against long-term debt, which are being included in floating long-term debt. 4. As a percent of total commercial. 5. As a percent of total consumer. 6. Includes 12M term, 6M term, and Fed Funds based loans. 7. Term points include SOFR, AMERIBOR, Treasuries & FX curves. 8. Includes overnight term, 3M term, 6M term, 12M term and Fed Funds. Slide 32 end notes Note: Data as of 6/30/25; actual results may vary from these simulated results due to differences between forecasted and actual balance sheet composition, timing, magnitude, and frequency of interest rate changes, as well as other changes in market conditions and management strategies. 1. Re-pricing percentage or "beta" is the estimated change in yield after the 12-month ramp scenarios are fully realized and therefore reflects year-2. 2. Betas are asymmetrical as down betas assume a floor of 0%, along with rate floors, and up betas assumes a cap of 100% Slide 34 end notes 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 earnings release. 2. Analysis based on 6/30/2025 portfolio utilizing the implied forward curve as of 6/30/2025 Slide 35 end notes 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 earnings release. 2. Analysis based on 6/30/2025 portfolio utilizing the implied forward curve as of 6/30/2025 Slide 36 end notes 1. Represents forward looking statement, please refer to page 2 of this presentation regarding forward-looking non-GAAP measures 2. Existing swaps transition from receive fixed / pay 1-month LIBOR to receive fixed / pay compound SOFR + 11.448 bps on their next post-LIBOR cessation resets 3. Reflects the weighted average receive fixed rate (swaps only) as of 6/30/25 Slide 38 end notes 1. Represents forward looking statement, please refer to page 2 of this presentation regarding forward-looking non-GAAP measures. 2. Projected dividends for the Series J, Series H, and Series I reflect 3m Term SOFR plus the applicable spread. For the periods referencing 3m Term SOFR, the projections include the 26.161bps spread adjustment pursuant to the final rule adopted by the Federal Reserve. 3. The Series L preferred shares may be redeemed on or after 9/30/2025, otherwise the dividend rate will reset from the current fixed rate of 4.50% to the then 5-year US Treasury yield + 4.215%. Slide 39 end notes 1. Average diluted common shares outstanding (thousands); 674,034; all adjusted figures are non-GAAP measures; see reconciliation on pages 40 and 41 of this presentation and the use of non-GAAP measures on pages 26-28 of the earnings release. 2. Assumes a 24% tax rate. Slide 40 end notes Note: See pages 26-28 of the earnings release for a discussion on the use of non-GAAP financial measures. 1. Assumes a 23% tax rate in 2024 and a 24% tax rate in 2025. 2. A portion of the adjustments related to legal settlements and remediations is non tax deductible. Slide 41 end notes Note: See pages 26-28 of the earnings release for a discussion on the use of non-GAAP financial measures.

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