# EDGAR Filing Document

**Accession Number:** 0000035527
**File Stem:** 0000035527-26-000134
**Filing Date:** 2026-4
**Character Count:** 222312
**Document Hash:** ab6666f084d88176956e751ca5f241dc
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0000035527-26-000134.hdr.sgml**: 20260417

**ACCESSION NUMBER**: 0000035527-26-000134

**CONFORMED SUBMISSION TYPE**: 8-K

**PUBLIC DOCUMENT COUNT**: 61

**CONFORMED PERIOD OF REPORT**: 20260417

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

**ITEM INFORMATION**: Regulation FD Disclosure

**ITEM INFORMATION**: Financial Statements and Exhibits

**FILED AS OF DATE**: 20260417

**DATE AS OF CHANGE**: 20260417

**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:** 26869351

**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-20260417

**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): April 17, 2026**

![53_Logo_horizontal_FullColor.jpg](fitb-20260417_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: | Securities registered pursuant to Section 12(b) of the Act: | 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** |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;**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** |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;**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** |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;**4.95% Non-Cumulative Perpetual Preferred Stock, Series K** | **FITBO** | **The** | **NASDAQ** | **Stock Market LLC** |
| **Depositary Shares Representing a 1/40th Ownership Interest in a Share of** |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;**6.875% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series M** | **FITBM** | **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 April 17, 2026, Fifth Third Bancorp issued a press release announcing its earnings release for the first quarter of 2026. 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 April 17, 2026, Fifth Third Bancorp issued a press release announcing its earnings release for the first quarter of 2026. 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](q12026earningsrelease.htm)</u> – Press release dated April 17, 2026

<u>[Exhibit 99.2](fifththirdbancorppresent.htm)</u> – First Quarter 2026 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: April 17, 2026 | /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 First Quarter 2026 Earnings**

*Core business momentum remains strong and Comerica acquisition meaningfully propels growth trajectory*

*Reported results included a net negative $0.68 impact from certain items on page 2*

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Key Financial Data** | | | | | | | **Key Highlights** |
| *$ in millions for all balance sheet and income statement items* |  |  |  |  |  |  |  |
|  | **1Q26** | **1Q26** | **4Q25** | **4Q25** | **1Q25** | **1Q25** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Successfully closed Comerica acquisition**<br>Opening Balances as of February 1<sup>st</sup>:<br>&nbsp;&nbsp;&nbsp;&nbsp;• Total assets, including goodwill, of $86 billion<br>&nbsp;&nbsp;&nbsp;&nbsp;• Total loans of $51 billion<br>&nbsp;&nbsp;&nbsp;&nbsp;• Total deposits of $65 billion<br>&nbsp;&nbsp;&nbsp;&nbsp;**Stability:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• Solid credit performance. Net charge-offs<sup>(b)</sup> of 37 bps in 1Q26; lowest since 4Q23<br>&nbsp;&nbsp;&nbsp;&nbsp;• Funding mix strengthened; demand deposits increased from 25% of total deposits to 28%<br>&nbsp;&nbsp;&nbsp;&nbsp;• Tangible Common Equity<sup>(a)</sup> increased 11 bps to 7.3%<br>&nbsp;&nbsp;&nbsp;&nbsp;**Profitability:** <br>&nbsp;&nbsp;&nbsp;&nbsp;• Net interest margin<sup>(a)</sup> expanded 17 bps sequentially <br>&nbsp;&nbsp;&nbsp;&nbsp;• Adjusted ROTCE ex. AOCI<sup>(a)</sup> improved 190 bps and adjusted ROA<sup>(a)</sup> improved 9 bps year-over-year <br>&nbsp;&nbsp;&nbsp;&nbsp;• Tangible book value per share<sup>(a)</sup> grew 15% year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;**Growth:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• Newline deposits up $2.7B and fee revenues up 30% year-over-year <br>&nbsp;&nbsp;&nbsp;&nbsp;• Legacy Fifth Third consumer household growth of 3%, including 8% in the Southeast<br>&nbsp;&nbsp;&nbsp;&nbsp;• LOIs for 81 Texas branch locations executed or in process |
|  |  |  |  |  |  |  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Successfully closed Comerica acquisition**<br>Opening Balances as of February 1<sup>st</sup>:<br>&nbsp;&nbsp;&nbsp;&nbsp;• Total assets, including goodwill, of $86 billion<br>&nbsp;&nbsp;&nbsp;&nbsp;• Total loans of $51 billion<br>&nbsp;&nbsp;&nbsp;&nbsp;• Total deposits of $65 billion<br>&nbsp;&nbsp;&nbsp;&nbsp;**Stability:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• Solid credit performance. Net charge-offs<sup>(b)</sup> of 37 bps in 1Q26; lowest since 4Q23<br>&nbsp;&nbsp;&nbsp;&nbsp;• Funding mix strengthened; demand deposits increased from 25% of total deposits to 28%<br>&nbsp;&nbsp;&nbsp;&nbsp;• Tangible Common Equity<sup>(a)</sup> increased 11 bps to 7.3%<br>&nbsp;&nbsp;&nbsp;&nbsp;**Profitability:** <br>&nbsp;&nbsp;&nbsp;&nbsp;• Net interest margin<sup>(a)</sup> expanded 17 bps sequentially <br>&nbsp;&nbsp;&nbsp;&nbsp;• Adjusted ROTCE ex. AOCI<sup>(a)</sup> improved 190 bps and adjusted ROA<sup>(a)</sup> improved 9 bps year-over-year <br>&nbsp;&nbsp;&nbsp;&nbsp;• Tangible book value per share<sup>(a)</sup> grew 15% year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;**Growth:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• Newline deposits up $2.7B and fee revenues up 30% year-over-year <br>&nbsp;&nbsp;&nbsp;&nbsp;• Legacy Fifth Third consumer household growth of 3%, including 8% in the Southeast<br>&nbsp;&nbsp;&nbsp;&nbsp;• LOIs for 81 Texas branch locations executed or in process |
| **Income Statement Data** |  |  |  |  |  |  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Successfully closed Comerica acquisition**<br>Opening Balances as of February 1<sup>st</sup>:<br>&nbsp;&nbsp;&nbsp;&nbsp;• Total assets, including goodwill, of $86 billion<br>&nbsp;&nbsp;&nbsp;&nbsp;• Total loans of $51 billion<br>&nbsp;&nbsp;&nbsp;&nbsp;• Total deposits of $65 billion<br>&nbsp;&nbsp;&nbsp;&nbsp;**Stability:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• Solid credit performance. Net charge-offs<sup>(b)</sup> of 37 bps in 1Q26; lowest since 4Q23<br>&nbsp;&nbsp;&nbsp;&nbsp;• Funding mix strengthened; demand deposits increased from 25% of total deposits to 28%<br>&nbsp;&nbsp;&nbsp;&nbsp;• Tangible Common Equity<sup>(a)</sup> increased 11 bps to 7.3%<br>&nbsp;&nbsp;&nbsp;&nbsp;**Profitability:** <br>&nbsp;&nbsp;&nbsp;&nbsp;• Net interest margin<sup>(a)</sup> expanded 17 bps sequentially <br>&nbsp;&nbsp;&nbsp;&nbsp;• Adjusted ROTCE ex. AOCI<sup>(a)</sup> improved 190 bps and adjusted ROA<sup>(a)</sup> improved 9 bps year-over-year <br>&nbsp;&nbsp;&nbsp;&nbsp;• Tangible book value per share<sup>(a)</sup> grew 15% year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;**Growth:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• Newline deposits up $2.7B and fee revenues up 30% year-over-year <br>&nbsp;&nbsp;&nbsp;&nbsp;• Legacy Fifth Third consumer household growth of 3%, including 8% in the Southeast<br>&nbsp;&nbsp;&nbsp;&nbsp;• LOIs for 81 Texas branch locations executed or in process |
| Net income available to common shareholders | $128 |  | $699 |  | $478 |  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Successfully closed Comerica acquisition**<br>Opening Balances as of February 1<sup>st</sup>:<br>&nbsp;&nbsp;&nbsp;&nbsp;• Total assets, including goodwill, of $86 billion<br>&nbsp;&nbsp;&nbsp;&nbsp;• Total loans of $51 billion<br>&nbsp;&nbsp;&nbsp;&nbsp;• Total deposits of $65 billion<br>&nbsp;&nbsp;&nbsp;&nbsp;**Stability:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• Solid credit performance. Net charge-offs<sup>(b)</sup> of 37 bps in 1Q26; lowest since 4Q23<br>&nbsp;&nbsp;&nbsp;&nbsp;• Funding mix strengthened; demand deposits increased from 25% of total deposits to 28%<br>&nbsp;&nbsp;&nbsp;&nbsp;• Tangible Common Equity<sup>(a)</sup> increased 11 bps to 7.3%<br>&nbsp;&nbsp;&nbsp;&nbsp;**Profitability:** <br>&nbsp;&nbsp;&nbsp;&nbsp;• Net interest margin<sup>(a)</sup> expanded 17 bps sequentially <br>&nbsp;&nbsp;&nbsp;&nbsp;• Adjusted ROTCE ex. AOCI<sup>(a)</sup> improved 190 bps and adjusted ROA<sup>(a)</sup> improved 9 bps year-over-year <br>&nbsp;&nbsp;&nbsp;&nbsp;• Tangible book value per share<sup>(a)</sup> grew 15% year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;**Growth:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• Newline deposits up $2.7B and fee revenues up 30% year-over-year <br>&nbsp;&nbsp;&nbsp;&nbsp;• Legacy Fifth Third consumer household growth of 3%, including 8% in the Southeast<br>&nbsp;&nbsp;&nbsp;&nbsp;• LOIs for 81 Texas branch locations executed or in process |
| Net interest income (U.S. GAAP) | 1934 |  | 1529 |  | 1437 |  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Successfully closed Comerica acquisition**<br>Opening Balances as of February 1<sup>st</sup>:<br>&nbsp;&nbsp;&nbsp;&nbsp;• Total assets, including goodwill, of $86 billion<br>&nbsp;&nbsp;&nbsp;&nbsp;• Total loans of $51 billion<br>&nbsp;&nbsp;&nbsp;&nbsp;• Total deposits of $65 billion<br>&nbsp;&nbsp;&nbsp;&nbsp;**Stability:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• Solid credit performance. Net charge-offs<sup>(b)</sup> of 37 bps in 1Q26; lowest since 4Q23<br>&nbsp;&nbsp;&nbsp;&nbsp;• Funding mix strengthened; demand deposits increased from 25% of total deposits to 28%<br>&nbsp;&nbsp;&nbsp;&nbsp;• Tangible Common Equity<sup>(a)</sup> increased 11 bps to 7.3%<br>&nbsp;&nbsp;&nbsp;&nbsp;**Profitability:** <br>&nbsp;&nbsp;&nbsp;&nbsp;• Net interest margin<sup>(a)</sup> expanded 17 bps sequentially <br>&nbsp;&nbsp;&nbsp;&nbsp;• Adjusted ROTCE ex. AOCI<sup>(a)</sup> improved 190 bps and adjusted ROA<sup>(a)</sup> improved 9 bps year-over-year <br>&nbsp;&nbsp;&nbsp;&nbsp;• Tangible book value per share<sup>(a)</sup> grew 15% year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;**Growth:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• Newline deposits up $2.7B and fee revenues up 30% year-over-year <br>&nbsp;&nbsp;&nbsp;&nbsp;• Legacy Fifth Third consumer household growth of 3%, including 8% in the Southeast<br>&nbsp;&nbsp;&nbsp;&nbsp;• LOIs for 81 Texas branch locations executed or in process |
| Net interest income (FTE)<sup>(a)</sup> | 1939 |  | 1533 |  | 1442 |  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Successfully closed Comerica acquisition**<br>Opening Balances as of February 1<sup>st</sup>:<br>&nbsp;&nbsp;&nbsp;&nbsp;• Total assets, including goodwill, of $86 billion<br>&nbsp;&nbsp;&nbsp;&nbsp;• Total loans of $51 billion<br>&nbsp;&nbsp;&nbsp;&nbsp;• Total deposits of $65 billion<br>&nbsp;&nbsp;&nbsp;&nbsp;**Stability:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• Solid credit performance. Net charge-offs<sup>(b)</sup> of 37 bps in 1Q26; lowest since 4Q23<br>&nbsp;&nbsp;&nbsp;&nbsp;• Funding mix strengthened; demand deposits increased from 25% of total deposits to 28%<br>&nbsp;&nbsp;&nbsp;&nbsp;• Tangible Common Equity<sup>(a)</sup> increased 11 bps to 7.3%<br>&nbsp;&nbsp;&nbsp;&nbsp;**Profitability:** <br>&nbsp;&nbsp;&nbsp;&nbsp;• Net interest margin<sup>(a)</sup> expanded 17 bps sequentially <br>&nbsp;&nbsp;&nbsp;&nbsp;• Adjusted ROTCE ex. AOCI<sup>(a)</sup> improved 190 bps and adjusted ROA<sup>(a)</sup> improved 9 bps year-over-year <br>&nbsp;&nbsp;&nbsp;&nbsp;• Tangible book value per share<sup>(a)</sup> grew 15% year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;**Growth:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• Newline deposits up $2.7B and fee revenues up 30% year-over-year <br>&nbsp;&nbsp;&nbsp;&nbsp;• Legacy Fifth Third consumer household growth of 3%, including 8% in the Southeast<br>&nbsp;&nbsp;&nbsp;&nbsp;• LOIs for 81 Texas branch locations executed or in process |
| Noninterest income | 895 |  | 811 |  | 694 |  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Successfully closed Comerica acquisition**<br>Opening Balances as of February 1<sup>st</sup>:<br>&nbsp;&nbsp;&nbsp;&nbsp;• Total assets, including goodwill, of $86 billion<br>&nbsp;&nbsp;&nbsp;&nbsp;• Total loans of $51 billion<br>&nbsp;&nbsp;&nbsp;&nbsp;• Total deposits of $65 billion<br>&nbsp;&nbsp;&nbsp;&nbsp;**Stability:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• Solid credit performance. Net charge-offs<sup>(b)</sup> of 37 bps in 1Q26; lowest since 4Q23<br>&nbsp;&nbsp;&nbsp;&nbsp;• Funding mix strengthened; demand deposits increased from 25% of total deposits to 28%<br>&nbsp;&nbsp;&nbsp;&nbsp;• Tangible Common Equity<sup>(a)</sup> increased 11 bps to 7.3%<br>&nbsp;&nbsp;&nbsp;&nbsp;**Profitability:** <br>&nbsp;&nbsp;&nbsp;&nbsp;• Net interest margin<sup>(a)</sup> expanded 17 bps sequentially <br>&nbsp;&nbsp;&nbsp;&nbsp;• Adjusted ROTCE ex. AOCI<sup>(a)</sup> improved 190 bps and adjusted ROA<sup>(a)</sup> improved 9 bps year-over-year <br>&nbsp;&nbsp;&nbsp;&nbsp;• Tangible book value per share<sup>(a)</sup> grew 15% year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;**Growth:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• Newline deposits up $2.7B and fee revenues up 30% year-over-year <br>&nbsp;&nbsp;&nbsp;&nbsp;• Legacy Fifth Third consumer household growth of 3%, including 8% in the Southeast<br>&nbsp;&nbsp;&nbsp;&nbsp;• LOIs for 81 Texas branch locations executed or in process |
| Noninterest expense | 2395 |  | 1309 |  | 1304 |  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Successfully closed Comerica acquisition**<br>Opening Balances as of February 1<sup>st</sup>:<br>&nbsp;&nbsp;&nbsp;&nbsp;• Total assets, including goodwill, of $86 billion<br>&nbsp;&nbsp;&nbsp;&nbsp;• Total loans of $51 billion<br>&nbsp;&nbsp;&nbsp;&nbsp;• Total deposits of $65 billion<br>&nbsp;&nbsp;&nbsp;&nbsp;**Stability:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• Solid credit performance. Net charge-offs<sup>(b)</sup> of 37 bps in 1Q26; lowest since 4Q23<br>&nbsp;&nbsp;&nbsp;&nbsp;• Funding mix strengthened; demand deposits increased from 25% of total deposits to 28%<br>&nbsp;&nbsp;&nbsp;&nbsp;• Tangible Common Equity<sup>(a)</sup> increased 11 bps to 7.3%<br>&nbsp;&nbsp;&nbsp;&nbsp;**Profitability:** <br>&nbsp;&nbsp;&nbsp;&nbsp;• Net interest margin<sup>(a)</sup> expanded 17 bps sequentially <br>&nbsp;&nbsp;&nbsp;&nbsp;• Adjusted ROTCE ex. AOCI<sup>(a)</sup> improved 190 bps and adjusted ROA<sup>(a)</sup> improved 9 bps year-over-year <br>&nbsp;&nbsp;&nbsp;&nbsp;• Tangible book value per share<sup>(a)</sup> grew 15% year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;**Growth:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• Newline deposits up $2.7B and fee revenues up 30% year-over-year <br>&nbsp;&nbsp;&nbsp;&nbsp;• Legacy Fifth Third consumer household growth of 3%, including 8% in the Southeast<br>&nbsp;&nbsp;&nbsp;&nbsp;• LOIs for 81 Texas branch locations executed or in process |
|  |  |  |  |  |  |  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Successfully closed Comerica acquisition**<br>Opening Balances as of February 1<sup>st</sup>:<br>&nbsp;&nbsp;&nbsp;&nbsp;• Total assets, including goodwill, of $86 billion<br>&nbsp;&nbsp;&nbsp;&nbsp;• Total loans of $51 billion<br>&nbsp;&nbsp;&nbsp;&nbsp;• Total deposits of $65 billion<br>&nbsp;&nbsp;&nbsp;&nbsp;**Stability:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• Solid credit performance. Net charge-offs<sup>(b)</sup> of 37 bps in 1Q26; lowest since 4Q23<br>&nbsp;&nbsp;&nbsp;&nbsp;• Funding mix strengthened; demand deposits increased from 25% of total deposits to 28%<br>&nbsp;&nbsp;&nbsp;&nbsp;• Tangible Common Equity<sup>(a)</sup> increased 11 bps to 7.3%<br>&nbsp;&nbsp;&nbsp;&nbsp;**Profitability:** <br>&nbsp;&nbsp;&nbsp;&nbsp;• Net interest margin<sup>(a)</sup> expanded 17 bps sequentially <br>&nbsp;&nbsp;&nbsp;&nbsp;• Adjusted ROTCE ex. AOCI<sup>(a)</sup> improved 190 bps and adjusted ROA<sup>(a)</sup> improved 9 bps year-over-year <br>&nbsp;&nbsp;&nbsp;&nbsp;• Tangible book value per share<sup>(a)</sup> grew 15% year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;**Growth:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• Newline deposits up $2.7B and fee revenues up 30% year-over-year <br>&nbsp;&nbsp;&nbsp;&nbsp;• Legacy Fifth Third consumer household growth of 3%, including 8% in the Southeast<br>&nbsp;&nbsp;&nbsp;&nbsp;• LOIs for 81 Texas branch locations executed or in process |
| **Per Share Data** |  |  |  |  |  |  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Successfully closed Comerica acquisition**<br>Opening Balances as of February 1<sup>st</sup>:<br>&nbsp;&nbsp;&nbsp;&nbsp;• Total assets, including goodwill, of $86 billion<br>&nbsp;&nbsp;&nbsp;&nbsp;• Total loans of $51 billion<br>&nbsp;&nbsp;&nbsp;&nbsp;• Total deposits of $65 billion<br>&nbsp;&nbsp;&nbsp;&nbsp;**Stability:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• Solid credit performance. Net charge-offs<sup>(b)</sup> of 37 bps in 1Q26; lowest since 4Q23<br>&nbsp;&nbsp;&nbsp;&nbsp;• Funding mix strengthened; demand deposits increased from 25% of total deposits to 28%<br>&nbsp;&nbsp;&nbsp;&nbsp;• Tangible Common Equity<sup>(a)</sup> increased 11 bps to 7.3%<br>&nbsp;&nbsp;&nbsp;&nbsp;**Profitability:** <br>&nbsp;&nbsp;&nbsp;&nbsp;• Net interest margin<sup>(a)</sup> expanded 17 bps sequentially <br>&nbsp;&nbsp;&nbsp;&nbsp;• Adjusted ROTCE ex. AOCI<sup>(a)</sup> improved 190 bps and adjusted ROA<sup>(a)</sup> improved 9 bps year-over-year <br>&nbsp;&nbsp;&nbsp;&nbsp;• Tangible book value per share<sup>(a)</sup> grew 15% year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;**Growth:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• Newline deposits up $2.7B and fee revenues up 30% year-over-year <br>&nbsp;&nbsp;&nbsp;&nbsp;• Legacy Fifth Third consumer household growth of 3%, including 8% in the Southeast<br>&nbsp;&nbsp;&nbsp;&nbsp;• LOIs for 81 Texas branch locations executed or in process |
| Earnings per share, basic | $0.16 |  | $1.05 |  | $0.71 |  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Successfully closed Comerica acquisition**<br>Opening Balances as of February 1<sup>st</sup>:<br>&nbsp;&nbsp;&nbsp;&nbsp;• Total assets, including goodwill, of $86 billion<br>&nbsp;&nbsp;&nbsp;&nbsp;• Total loans of $51 billion<br>&nbsp;&nbsp;&nbsp;&nbsp;• Total deposits of $65 billion<br>&nbsp;&nbsp;&nbsp;&nbsp;**Stability:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• Solid credit performance. Net charge-offs<sup>(b)</sup> of 37 bps in 1Q26; lowest since 4Q23<br>&nbsp;&nbsp;&nbsp;&nbsp;• Funding mix strengthened; demand deposits increased from 25% of total deposits to 28%<br>&nbsp;&nbsp;&nbsp;&nbsp;• Tangible Common Equity<sup>(a)</sup> increased 11 bps to 7.3%<br>&nbsp;&nbsp;&nbsp;&nbsp;**Profitability:** <br>&nbsp;&nbsp;&nbsp;&nbsp;• Net interest margin<sup>(a)</sup> expanded 17 bps sequentially <br>&nbsp;&nbsp;&nbsp;&nbsp;• Adjusted ROTCE ex. AOCI<sup>(a)</sup> improved 190 bps and adjusted ROA<sup>(a)</sup> improved 9 bps year-over-year <br>&nbsp;&nbsp;&nbsp;&nbsp;• Tangible book value per share<sup>(a)</sup> grew 15% year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;**Growth:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• Newline deposits up $2.7B and fee revenues up 30% year-over-year <br>&nbsp;&nbsp;&nbsp;&nbsp;• Legacy Fifth Third consumer household growth of 3%, including 8% in the Southeast<br>&nbsp;&nbsp;&nbsp;&nbsp;• LOIs for 81 Texas branch locations executed or in process |
| Earnings per share, diluted | 0.15 |  | 1.04 |  | 0.71 |  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Successfully closed Comerica acquisition**<br>Opening Balances as of February 1<sup>st</sup>:<br>&nbsp;&nbsp;&nbsp;&nbsp;• Total assets, including goodwill, of $86 billion<br>&nbsp;&nbsp;&nbsp;&nbsp;• Total loans of $51 billion<br>&nbsp;&nbsp;&nbsp;&nbsp;• Total deposits of $65 billion<br>&nbsp;&nbsp;&nbsp;&nbsp;**Stability:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• Solid credit performance. Net charge-offs<sup>(b)</sup> of 37 bps in 1Q26; lowest since 4Q23<br>&nbsp;&nbsp;&nbsp;&nbsp;• Funding mix strengthened; demand deposits increased from 25% of total deposits to 28%<br>&nbsp;&nbsp;&nbsp;&nbsp;• Tangible Common Equity<sup>(a)</sup> increased 11 bps to 7.3%<br>&nbsp;&nbsp;&nbsp;&nbsp;**Profitability:** <br>&nbsp;&nbsp;&nbsp;&nbsp;• Net interest margin<sup>(a)</sup> expanded 17 bps sequentially <br>&nbsp;&nbsp;&nbsp;&nbsp;• Adjusted ROTCE ex. AOCI<sup>(a)</sup> improved 190 bps and adjusted ROA<sup>(a)</sup> improved 9 bps year-over-year <br>&nbsp;&nbsp;&nbsp;&nbsp;• Tangible book value per share<sup>(a)</sup> grew 15% year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;**Growth:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• Newline deposits up $2.7B and fee revenues up 30% year-over-year <br>&nbsp;&nbsp;&nbsp;&nbsp;• Legacy Fifth Third consumer household growth of 3%, including 8% in the Southeast<br>&nbsp;&nbsp;&nbsp;&nbsp;• LOIs for 81 Texas branch locations executed or in process |
| Book value per share | 35.24 |  | 30.18 |  | 27.41 |  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Successfully closed Comerica acquisition**<br>Opening Balances as of February 1<sup>st</sup>:<br>&nbsp;&nbsp;&nbsp;&nbsp;• Total assets, including goodwill, of $86 billion<br>&nbsp;&nbsp;&nbsp;&nbsp;• Total loans of $51 billion<br>&nbsp;&nbsp;&nbsp;&nbsp;• Total deposits of $65 billion<br>&nbsp;&nbsp;&nbsp;&nbsp;**Stability:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• Solid credit performance. Net charge-offs<sup>(b)</sup> of 37 bps in 1Q26; lowest since 4Q23<br>&nbsp;&nbsp;&nbsp;&nbsp;• Funding mix strengthened; demand deposits increased from 25% of total deposits to 28%<br>&nbsp;&nbsp;&nbsp;&nbsp;• Tangible Common Equity<sup>(a)</sup> increased 11 bps to 7.3%<br>&nbsp;&nbsp;&nbsp;&nbsp;**Profitability:** <br>&nbsp;&nbsp;&nbsp;&nbsp;• Net interest margin<sup>(a)</sup> expanded 17 bps sequentially <br>&nbsp;&nbsp;&nbsp;&nbsp;• Adjusted ROTCE ex. AOCI<sup>(a)</sup> improved 190 bps and adjusted ROA<sup>(a)</sup> improved 9 bps year-over-year <br>&nbsp;&nbsp;&nbsp;&nbsp;• Tangible book value per share<sup>(a)</sup> grew 15% year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;**Growth:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• Newline deposits up $2.7B and fee revenues up 30% year-over-year <br>&nbsp;&nbsp;&nbsp;&nbsp;• Legacy Fifth Third consumer household growth of 3%, including 8% in the Southeast<br>&nbsp;&nbsp;&nbsp;&nbsp;• LOIs for 81 Texas branch locations executed or in process |
| Tangible book value per share<sup>(a)</sup> | 22.88 |  | 22.60 |  | 19.92 |  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Successfully closed Comerica acquisition**<br>Opening Balances as of February 1<sup>st</sup>:<br>&nbsp;&nbsp;&nbsp;&nbsp;• Total assets, including goodwill, of $86 billion<br>&nbsp;&nbsp;&nbsp;&nbsp;• Total loans of $51 billion<br>&nbsp;&nbsp;&nbsp;&nbsp;• Total deposits of $65 billion<br>&nbsp;&nbsp;&nbsp;&nbsp;**Stability:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• Solid credit performance. Net charge-offs<sup>(b)</sup> of 37 bps in 1Q26; lowest since 4Q23<br>&nbsp;&nbsp;&nbsp;&nbsp;• Funding mix strengthened; demand deposits increased from 25% of total deposits to 28%<br>&nbsp;&nbsp;&nbsp;&nbsp;• Tangible Common Equity<sup>(a)</sup> increased 11 bps to 7.3%<br>&nbsp;&nbsp;&nbsp;&nbsp;**Profitability:** <br>&nbsp;&nbsp;&nbsp;&nbsp;• Net interest margin<sup>(a)</sup> expanded 17 bps sequentially <br>&nbsp;&nbsp;&nbsp;&nbsp;• Adjusted ROTCE ex. AOCI<sup>(a)</sup> improved 190 bps and adjusted ROA<sup>(a)</sup> improved 9 bps year-over-year <br>&nbsp;&nbsp;&nbsp;&nbsp;• Tangible book value per share<sup>(a)</sup> grew 15% year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;**Growth:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• Newline deposits up $2.7B and fee revenues up 30% year-over-year <br>&nbsp;&nbsp;&nbsp;&nbsp;• Legacy Fifth Third consumer household growth of 3%, including 8% in the Southeast<br>&nbsp;&nbsp;&nbsp;&nbsp;• LOIs for 81 Texas branch locations executed or in process |
|  |  |  |  |  |  |  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Successfully closed Comerica acquisition**<br>Opening Balances as of February 1<sup>st</sup>:<br>&nbsp;&nbsp;&nbsp;&nbsp;• Total assets, including goodwill, of $86 billion<br>&nbsp;&nbsp;&nbsp;&nbsp;• Total loans of $51 billion<br>&nbsp;&nbsp;&nbsp;&nbsp;• Total deposits of $65 billion<br>&nbsp;&nbsp;&nbsp;&nbsp;**Stability:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• Solid credit performance. Net charge-offs<sup>(b)</sup> of 37 bps in 1Q26; lowest since 4Q23<br>&nbsp;&nbsp;&nbsp;&nbsp;• Funding mix strengthened; demand deposits increased from 25% of total deposits to 28%<br>&nbsp;&nbsp;&nbsp;&nbsp;• Tangible Common Equity<sup>(a)</sup> increased 11 bps to 7.3%<br>&nbsp;&nbsp;&nbsp;&nbsp;**Profitability:** <br>&nbsp;&nbsp;&nbsp;&nbsp;• Net interest margin<sup>(a)</sup> expanded 17 bps sequentially <br>&nbsp;&nbsp;&nbsp;&nbsp;• Adjusted ROTCE ex. AOCI<sup>(a)</sup> improved 190 bps and adjusted ROA<sup>(a)</sup> improved 9 bps year-over-year <br>&nbsp;&nbsp;&nbsp;&nbsp;• Tangible book value per share<sup>(a)</sup> grew 15% year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;**Growth:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• Newline deposits up $2.7B and fee revenues up 30% year-over-year <br>&nbsp;&nbsp;&nbsp;&nbsp;• Legacy Fifth Third consumer household growth of 3%, including 8% in the Southeast<br>&nbsp;&nbsp;&nbsp;&nbsp;• LOIs for 81 Texas branch locations executed or in process |
| **Balance Sheet & Credit Quality** |  |  |  |  |  |  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Successfully closed Comerica acquisition**<br>Opening Balances as of February 1<sup>st</sup>:<br>&nbsp;&nbsp;&nbsp;&nbsp;• Total assets, including goodwill, of $86 billion<br>&nbsp;&nbsp;&nbsp;&nbsp;• Total loans of $51 billion<br>&nbsp;&nbsp;&nbsp;&nbsp;• Total deposits of $65 billion<br>&nbsp;&nbsp;&nbsp;&nbsp;**Stability:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• Solid credit performance. Net charge-offs<sup>(b)</sup> of 37 bps in 1Q26; lowest since 4Q23<br>&nbsp;&nbsp;&nbsp;&nbsp;• Funding mix strengthened; demand deposits increased from 25% of total deposits to 28%<br>&nbsp;&nbsp;&nbsp;&nbsp;• Tangible Common Equity<sup>(a)</sup> increased 11 bps to 7.3%<br>&nbsp;&nbsp;&nbsp;&nbsp;**Profitability:** <br>&nbsp;&nbsp;&nbsp;&nbsp;• Net interest margin<sup>(a)</sup> expanded 17 bps sequentially <br>&nbsp;&nbsp;&nbsp;&nbsp;• Adjusted ROTCE ex. AOCI<sup>(a)</sup> improved 190 bps and adjusted ROA<sup>(a)</sup> improved 9 bps year-over-year <br>&nbsp;&nbsp;&nbsp;&nbsp;• Tangible book value per share<sup>(a)</sup> grew 15% year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;**Growth:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• Newline deposits up $2.7B and fee revenues up 30% year-over-year <br>&nbsp;&nbsp;&nbsp;&nbsp;• Legacy Fifth Third consumer household growth of 3%, including 8% in the Southeast<br>&nbsp;&nbsp;&nbsp;&nbsp;• LOIs for 81 Texas branch locations executed or in process |
| Average portfolio loans and leases | $157632 |  | $123430 |  | $121272 |  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Successfully closed Comerica acquisition**<br>Opening Balances as of February 1<sup>st</sup>:<br>&nbsp;&nbsp;&nbsp;&nbsp;• Total assets, including goodwill, of $86 billion<br>&nbsp;&nbsp;&nbsp;&nbsp;• Total loans of $51 billion<br>&nbsp;&nbsp;&nbsp;&nbsp;• Total deposits of $65 billion<br>&nbsp;&nbsp;&nbsp;&nbsp;**Stability:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• Solid credit performance. Net charge-offs<sup>(b)</sup> of 37 bps in 1Q26; lowest since 4Q23<br>&nbsp;&nbsp;&nbsp;&nbsp;• Funding mix strengthened; demand deposits increased from 25% of total deposits to 28%<br>&nbsp;&nbsp;&nbsp;&nbsp;• Tangible Common Equity<sup>(a)</sup> increased 11 bps to 7.3%<br>&nbsp;&nbsp;&nbsp;&nbsp;**Profitability:** <br>&nbsp;&nbsp;&nbsp;&nbsp;• Net interest margin<sup>(a)</sup> expanded 17 bps sequentially <br>&nbsp;&nbsp;&nbsp;&nbsp;• Adjusted ROTCE ex. AOCI<sup>(a)</sup> improved 190 bps and adjusted ROA<sup>(a)</sup> improved 9 bps year-over-year <br>&nbsp;&nbsp;&nbsp;&nbsp;• Tangible book value per share<sup>(a)</sup> grew 15% year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;**Growth:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• Newline deposits up $2.7B and fee revenues up 30% year-over-year <br>&nbsp;&nbsp;&nbsp;&nbsp;• Legacy Fifth Third consumer household growth of 3%, including 8% in the Southeast<br>&nbsp;&nbsp;&nbsp;&nbsp;• LOIs for 81 Texas branch locations executed or in process |
| Average deposits | 209352 |  | 168384 |  | 164157 |  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Successfully closed Comerica acquisition**<br>Opening Balances as of February 1<sup>st</sup>:<br>&nbsp;&nbsp;&nbsp;&nbsp;• Total assets, including goodwill, of $86 billion<br>&nbsp;&nbsp;&nbsp;&nbsp;• Total loans of $51 billion<br>&nbsp;&nbsp;&nbsp;&nbsp;• Total deposits of $65 billion<br>&nbsp;&nbsp;&nbsp;&nbsp;**Stability:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• Solid credit performance. Net charge-offs<sup>(b)</sup> of 37 bps in 1Q26; lowest since 4Q23<br>&nbsp;&nbsp;&nbsp;&nbsp;• Funding mix strengthened; demand deposits increased from 25% of total deposits to 28%<br>&nbsp;&nbsp;&nbsp;&nbsp;• Tangible Common Equity<sup>(a)</sup> increased 11 bps to 7.3%<br>&nbsp;&nbsp;&nbsp;&nbsp;**Profitability:** <br>&nbsp;&nbsp;&nbsp;&nbsp;• Net interest margin<sup>(a)</sup> expanded 17 bps sequentially <br>&nbsp;&nbsp;&nbsp;&nbsp;• Adjusted ROTCE ex. AOCI<sup>(a)</sup> improved 190 bps and adjusted ROA<sup>(a)</sup> improved 9 bps year-over-year <br>&nbsp;&nbsp;&nbsp;&nbsp;• Tangible book value per share<sup>(a)</sup> grew 15% year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;**Growth:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• Newline deposits up $2.7B and fee revenues up 30% year-over-year <br>&nbsp;&nbsp;&nbsp;&nbsp;• Legacy Fifth Third consumer household growth of 3%, including 8% in the Southeast<br>&nbsp;&nbsp;&nbsp;&nbsp;• LOIs for 81 Texas branch locations executed or in process |
| Accumulated other comprehensive loss | (3234) |  | (3110) |  | (3895) |  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Successfully closed Comerica acquisition**<br>Opening Balances as of February 1<sup>st</sup>:<br>&nbsp;&nbsp;&nbsp;&nbsp;• Total assets, including goodwill, of $86 billion<br>&nbsp;&nbsp;&nbsp;&nbsp;• Total loans of $51 billion<br>&nbsp;&nbsp;&nbsp;&nbsp;• Total deposits of $65 billion<br>&nbsp;&nbsp;&nbsp;&nbsp;**Stability:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• Solid credit performance. Net charge-offs<sup>(b)</sup> of 37 bps in 1Q26; lowest since 4Q23<br>&nbsp;&nbsp;&nbsp;&nbsp;• Funding mix strengthened; demand deposits increased from 25% of total deposits to 28%<br>&nbsp;&nbsp;&nbsp;&nbsp;• Tangible Common Equity<sup>(a)</sup> increased 11 bps to 7.3%<br>&nbsp;&nbsp;&nbsp;&nbsp;**Profitability:** <br>&nbsp;&nbsp;&nbsp;&nbsp;• Net interest margin<sup>(a)</sup> expanded 17 bps sequentially <br>&nbsp;&nbsp;&nbsp;&nbsp;• Adjusted ROTCE ex. AOCI<sup>(a)</sup> improved 190 bps and adjusted ROA<sup>(a)</sup> improved 9 bps year-over-year <br>&nbsp;&nbsp;&nbsp;&nbsp;• Tangible book value per share<sup>(a)</sup> grew 15% year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;**Growth:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• Newline deposits up $2.7B and fee revenues up 30% year-over-year <br>&nbsp;&nbsp;&nbsp;&nbsp;• Legacy Fifth Third consumer household growth of 3%, including 8% in the Southeast<br>&nbsp;&nbsp;&nbsp;&nbsp;• LOIs for 81 Texas branch locations executed or in process |
| Net charge-off ratio<sup>(b)</sup> | 0.37 | % | 0.40 | % | 0.46 | % | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Successfully closed Comerica acquisition**<br>Opening Balances as of February 1<sup>st</sup>:<br>&nbsp;&nbsp;&nbsp;&nbsp;• Total assets, including goodwill, of $86 billion<br>&nbsp;&nbsp;&nbsp;&nbsp;• Total loans of $51 billion<br>&nbsp;&nbsp;&nbsp;&nbsp;• Total deposits of $65 billion<br>&nbsp;&nbsp;&nbsp;&nbsp;**Stability:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• Solid credit performance. Net charge-offs<sup>(b)</sup> of 37 bps in 1Q26; lowest since 4Q23<br>&nbsp;&nbsp;&nbsp;&nbsp;• Funding mix strengthened; demand deposits increased from 25% of total deposits to 28%<br>&nbsp;&nbsp;&nbsp;&nbsp;• Tangible Common Equity<sup>(a)</sup> increased 11 bps to 7.3%<br>&nbsp;&nbsp;&nbsp;&nbsp;**Profitability:** <br>&nbsp;&nbsp;&nbsp;&nbsp;• Net interest margin<sup>(a)</sup> expanded 17 bps sequentially <br>&nbsp;&nbsp;&nbsp;&nbsp;• Adjusted ROTCE ex. AOCI<sup>(a)</sup> improved 190 bps and adjusted ROA<sup>(a)</sup> improved 9 bps year-over-year <br>&nbsp;&nbsp;&nbsp;&nbsp;• Tangible book value per share<sup>(a)</sup> grew 15% year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;**Growth:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• Newline deposits up $2.7B and fee revenues up 30% year-over-year <br>&nbsp;&nbsp;&nbsp;&nbsp;• Legacy Fifth Third consumer household growth of 3%, including 8% in the Southeast<br>&nbsp;&nbsp;&nbsp;&nbsp;• LOIs for 81 Texas branch locations executed or in process |
| Nonperforming asset ratio<sup>(c)</sup> | 0.57 |  | 0.65 |  | 0.81 |  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Successfully closed Comerica acquisition**<br>Opening Balances as of February 1<sup>st</sup>:<br>&nbsp;&nbsp;&nbsp;&nbsp;• Total assets, including goodwill, of $86 billion<br>&nbsp;&nbsp;&nbsp;&nbsp;• Total loans of $51 billion<br>&nbsp;&nbsp;&nbsp;&nbsp;• Total deposits of $65 billion<br>&nbsp;&nbsp;&nbsp;&nbsp;**Stability:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• Solid credit performance. Net charge-offs<sup>(b)</sup> of 37 bps in 1Q26; lowest since 4Q23<br>&nbsp;&nbsp;&nbsp;&nbsp;• Funding mix strengthened; demand deposits increased from 25% of total deposits to 28%<br>&nbsp;&nbsp;&nbsp;&nbsp;• Tangible Common Equity<sup>(a)</sup> increased 11 bps to 7.3%<br>&nbsp;&nbsp;&nbsp;&nbsp;**Profitability:** <br>&nbsp;&nbsp;&nbsp;&nbsp;• Net interest margin<sup>(a)</sup> expanded 17 bps sequentially <br>&nbsp;&nbsp;&nbsp;&nbsp;• Adjusted ROTCE ex. AOCI<sup>(a)</sup> improved 190 bps and adjusted ROA<sup>(a)</sup> improved 9 bps year-over-year <br>&nbsp;&nbsp;&nbsp;&nbsp;• Tangible book value per share<sup>(a)</sup> grew 15% year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;**Growth:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• Newline deposits up $2.7B and fee revenues up 30% year-over-year <br>&nbsp;&nbsp;&nbsp;&nbsp;• Legacy Fifth Third consumer household growth of 3%, including 8% in the Southeast<br>&nbsp;&nbsp;&nbsp;&nbsp;• LOIs for 81 Texas branch locations executed or in process |
|  |  |  |  |  |  |  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Successfully closed Comerica acquisition**<br>Opening Balances as of February 1<sup>st</sup>:<br>&nbsp;&nbsp;&nbsp;&nbsp;• Total assets, including goodwill, of $86 billion<br>&nbsp;&nbsp;&nbsp;&nbsp;• Total loans of $51 billion<br>&nbsp;&nbsp;&nbsp;&nbsp;• Total deposits of $65 billion<br>&nbsp;&nbsp;&nbsp;&nbsp;**Stability:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• Solid credit performance. Net charge-offs<sup>(b)</sup> of 37 bps in 1Q26; lowest since 4Q23<br>&nbsp;&nbsp;&nbsp;&nbsp;• Funding mix strengthened; demand deposits increased from 25% of total deposits to 28%<br>&nbsp;&nbsp;&nbsp;&nbsp;• Tangible Common Equity<sup>(a)</sup> increased 11 bps to 7.3%<br>&nbsp;&nbsp;&nbsp;&nbsp;**Profitability:** <br>&nbsp;&nbsp;&nbsp;&nbsp;• Net interest margin<sup>(a)</sup> expanded 17 bps sequentially <br>&nbsp;&nbsp;&nbsp;&nbsp;• Adjusted ROTCE ex. AOCI<sup>(a)</sup> improved 190 bps and adjusted ROA<sup>(a)</sup> improved 9 bps year-over-year <br>&nbsp;&nbsp;&nbsp;&nbsp;• Tangible book value per share<sup>(a)</sup> grew 15% year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;**Growth:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• Newline deposits up $2.7B and fee revenues up 30% year-over-year <br>&nbsp;&nbsp;&nbsp;&nbsp;• Legacy Fifth Third consumer household growth of 3%, including 8% in the Southeast<br>&nbsp;&nbsp;&nbsp;&nbsp;• LOIs for 81 Texas branch locations executed or in process |
| **Financial Ratios** |  |  |  |  |  |  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Successfully closed Comerica acquisition**<br>Opening Balances as of February 1<sup>st</sup>:<br>&nbsp;&nbsp;&nbsp;&nbsp;• Total assets, including goodwill, of $86 billion<br>&nbsp;&nbsp;&nbsp;&nbsp;• Total loans of $51 billion<br>&nbsp;&nbsp;&nbsp;&nbsp;• Total deposits of $65 billion<br>&nbsp;&nbsp;&nbsp;&nbsp;**Stability:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• Solid credit performance. Net charge-offs<sup>(b)</sup> of 37 bps in 1Q26; lowest since 4Q23<br>&nbsp;&nbsp;&nbsp;&nbsp;• Funding mix strengthened; demand deposits increased from 25% of total deposits to 28%<br>&nbsp;&nbsp;&nbsp;&nbsp;• Tangible Common Equity<sup>(a)</sup> increased 11 bps to 7.3%<br>&nbsp;&nbsp;&nbsp;&nbsp;**Profitability:** <br>&nbsp;&nbsp;&nbsp;&nbsp;• Net interest margin<sup>(a)</sup> expanded 17 bps sequentially <br>&nbsp;&nbsp;&nbsp;&nbsp;• Adjusted ROTCE ex. AOCI<sup>(a)</sup> improved 190 bps and adjusted ROA<sup>(a)</sup> improved 9 bps year-over-year <br>&nbsp;&nbsp;&nbsp;&nbsp;• Tangible book value per share<sup>(a)</sup> grew 15% year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;**Growth:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• Newline deposits up $2.7B and fee revenues up 30% year-over-year <br>&nbsp;&nbsp;&nbsp;&nbsp;• Legacy Fifth Third consumer household growth of 3%, including 8% in the Southeast<br>&nbsp;&nbsp;&nbsp;&nbsp;• LOIs for 81 Texas branch locations executed or in process |
| Return on average assets | 0.25 | % | 1.36 | % | 0.99 | % | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Successfully closed Comerica acquisition**<br>Opening Balances as of February 1<sup>st</sup>:<br>&nbsp;&nbsp;&nbsp;&nbsp;• Total assets, including goodwill, of $86 billion<br>&nbsp;&nbsp;&nbsp;&nbsp;• Total loans of $51 billion<br>&nbsp;&nbsp;&nbsp;&nbsp;• Total deposits of $65 billion<br>&nbsp;&nbsp;&nbsp;&nbsp;**Stability:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• Solid credit performance. Net charge-offs<sup>(b)</sup> of 37 bps in 1Q26; lowest since 4Q23<br>&nbsp;&nbsp;&nbsp;&nbsp;• Funding mix strengthened; demand deposits increased from 25% of total deposits to 28%<br>&nbsp;&nbsp;&nbsp;&nbsp;• Tangible Common Equity<sup>(a)</sup> increased 11 bps to 7.3%<br>&nbsp;&nbsp;&nbsp;&nbsp;**Profitability:** <br>&nbsp;&nbsp;&nbsp;&nbsp;• Net interest margin<sup>(a)</sup> expanded 17 bps sequentially <br>&nbsp;&nbsp;&nbsp;&nbsp;• Adjusted ROTCE ex. AOCI<sup>(a)</sup> improved 190 bps and adjusted ROA<sup>(a)</sup> improved 9 bps year-over-year <br>&nbsp;&nbsp;&nbsp;&nbsp;• Tangible book value per share<sup>(a)</sup> grew 15% year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;**Growth:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• Newline deposits up $2.7B and fee revenues up 30% year-over-year <br>&nbsp;&nbsp;&nbsp;&nbsp;• Legacy Fifth Third consumer household growth of 3%, including 8% in the Southeast<br>&nbsp;&nbsp;&nbsp;&nbsp;• LOIs for 81 Texas branch locations executed or in process |
| Return on average common equity | 1.8 |  | 14.0 |  | 10.8 |  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Successfully closed Comerica acquisition**<br>Opening Balances as of February 1<sup>st</sup>:<br>&nbsp;&nbsp;&nbsp;&nbsp;• Total assets, including goodwill, of $86 billion<br>&nbsp;&nbsp;&nbsp;&nbsp;• Total loans of $51 billion<br>&nbsp;&nbsp;&nbsp;&nbsp;• Total deposits of $65 billion<br>&nbsp;&nbsp;&nbsp;&nbsp;**Stability:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• Solid credit performance. Net charge-offs<sup>(b)</sup> of 37 bps in 1Q26; lowest since 4Q23<br>&nbsp;&nbsp;&nbsp;&nbsp;• Funding mix strengthened; demand deposits increased from 25% of total deposits to 28%<br>&nbsp;&nbsp;&nbsp;&nbsp;• Tangible Common Equity<sup>(a)</sup> increased 11 bps to 7.3%<br>&nbsp;&nbsp;&nbsp;&nbsp;**Profitability:** <br>&nbsp;&nbsp;&nbsp;&nbsp;• Net interest margin<sup>(a)</sup> expanded 17 bps sequentially <br>&nbsp;&nbsp;&nbsp;&nbsp;• Adjusted ROTCE ex. AOCI<sup>(a)</sup> improved 190 bps and adjusted ROA<sup>(a)</sup> improved 9 bps year-over-year <br>&nbsp;&nbsp;&nbsp;&nbsp;• Tangible book value per share<sup>(a)</sup> grew 15% year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;**Growth:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• Newline deposits up $2.7B and fee revenues up 30% year-over-year <br>&nbsp;&nbsp;&nbsp;&nbsp;• Legacy Fifth Third consumer household growth of 3%, including 8% in the Southeast<br>&nbsp;&nbsp;&nbsp;&nbsp;• LOIs for 81 Texas branch locations executed or in process |
| Return on average tangible common equity<sup>(a)</sup> | 3.5 |  | 19.0 |  | 15.2 |  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Successfully closed Comerica acquisition**<br>Opening Balances as of February 1<sup>st</sup>:<br>&nbsp;&nbsp;&nbsp;&nbsp;• Total assets, including goodwill, of $86 billion<br>&nbsp;&nbsp;&nbsp;&nbsp;• Total loans of $51 billion<br>&nbsp;&nbsp;&nbsp;&nbsp;• Total deposits of $65 billion<br>&nbsp;&nbsp;&nbsp;&nbsp;**Stability:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• Solid credit performance. Net charge-offs<sup>(b)</sup> of 37 bps in 1Q26; lowest since 4Q23<br>&nbsp;&nbsp;&nbsp;&nbsp;• Funding mix strengthened; demand deposits increased from 25% of total deposits to 28%<br>&nbsp;&nbsp;&nbsp;&nbsp;• Tangible Common Equity<sup>(a)</sup> increased 11 bps to 7.3%<br>&nbsp;&nbsp;&nbsp;&nbsp;**Profitability:** <br>&nbsp;&nbsp;&nbsp;&nbsp;• Net interest margin<sup>(a)</sup> expanded 17 bps sequentially <br>&nbsp;&nbsp;&nbsp;&nbsp;• Adjusted ROTCE ex. AOCI<sup>(a)</sup> improved 190 bps and adjusted ROA<sup>(a)</sup> improved 9 bps year-over-year <br>&nbsp;&nbsp;&nbsp;&nbsp;• Tangible book value per share<sup>(a)</sup> grew 15% year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;**Growth:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• Newline deposits up $2.7B and fee revenues up 30% year-over-year <br>&nbsp;&nbsp;&nbsp;&nbsp;• Legacy Fifth Third consumer household growth of 3%, including 8% in the Southeast<br>&nbsp;&nbsp;&nbsp;&nbsp;• LOIs for 81 Texas branch locations executed or in process |
| CET1 capital<sup>(d)</sup> | 9.96 |  | 10.81 |  | 10.43 |  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Successfully closed Comerica acquisition**<br>Opening Balances as of February 1<sup>st</sup>:<br>&nbsp;&nbsp;&nbsp;&nbsp;• Total assets, including goodwill, of $86 billion<br>&nbsp;&nbsp;&nbsp;&nbsp;• Total loans of $51 billion<br>&nbsp;&nbsp;&nbsp;&nbsp;• Total deposits of $65 billion<br>&nbsp;&nbsp;&nbsp;&nbsp;**Stability:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• Solid credit performance. Net charge-offs<sup>(b)</sup> of 37 bps in 1Q26; lowest since 4Q23<br>&nbsp;&nbsp;&nbsp;&nbsp;• Funding mix strengthened; demand deposits increased from 25% of total deposits to 28%<br>&nbsp;&nbsp;&nbsp;&nbsp;• Tangible Common Equity<sup>(a)</sup> increased 11 bps to 7.3%<br>&nbsp;&nbsp;&nbsp;&nbsp;**Profitability:** <br>&nbsp;&nbsp;&nbsp;&nbsp;• Net interest margin<sup>(a)</sup> expanded 17 bps sequentially <br>&nbsp;&nbsp;&nbsp;&nbsp;• Adjusted ROTCE ex. AOCI<sup>(a)</sup> improved 190 bps and adjusted ROA<sup>(a)</sup> improved 9 bps year-over-year <br>&nbsp;&nbsp;&nbsp;&nbsp;• Tangible book value per share<sup>(a)</sup> grew 15% year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;**Growth:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• Newline deposits up $2.7B and fee revenues up 30% year-over-year <br>&nbsp;&nbsp;&nbsp;&nbsp;• Legacy Fifth Third consumer household growth of 3%, including 8% in the Southeast<br>&nbsp;&nbsp;&nbsp;&nbsp;• LOIs for 81 Texas branch locations executed or in process |
| Net interest margin<sup>(a)</sup> | 3.30 |  | 3.13 |  | 3.03 |  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Successfully closed Comerica acquisition**<br>Opening Balances as of February 1<sup>st</sup>:<br>&nbsp;&nbsp;&nbsp;&nbsp;• Total assets, including goodwill, of $86 billion<br>&nbsp;&nbsp;&nbsp;&nbsp;• Total loans of $51 billion<br>&nbsp;&nbsp;&nbsp;&nbsp;• Total deposits of $65 billion<br>&nbsp;&nbsp;&nbsp;&nbsp;**Stability:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• Solid credit performance. Net charge-offs<sup>(b)</sup> of 37 bps in 1Q26; lowest since 4Q23<br>&nbsp;&nbsp;&nbsp;&nbsp;• Funding mix strengthened; demand deposits increased from 25% of total deposits to 28%<br>&nbsp;&nbsp;&nbsp;&nbsp;• Tangible Common Equity<sup>(a)</sup> increased 11 bps to 7.3%<br>&nbsp;&nbsp;&nbsp;&nbsp;**Profitability:** <br>&nbsp;&nbsp;&nbsp;&nbsp;• Net interest margin<sup>(a)</sup> expanded 17 bps sequentially <br>&nbsp;&nbsp;&nbsp;&nbsp;• Adjusted ROTCE ex. AOCI<sup>(a)</sup> improved 190 bps and adjusted ROA<sup>(a)</sup> improved 9 bps year-over-year <br>&nbsp;&nbsp;&nbsp;&nbsp;• Tangible book value per share<sup>(a)</sup> grew 15% year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;**Growth:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• Newline deposits up $2.7B and fee revenues up 30% year-over-year <br>&nbsp;&nbsp;&nbsp;&nbsp;• Legacy Fifth Third consumer household growth of 3%, including 8% in the Southeast<br>&nbsp;&nbsp;&nbsp;&nbsp;• LOIs for 81 Texas branch locations executed or in process |
| Efficiency<sup>(a)</sup> | 84.5 |  | 55.8 |  | 61.0 |  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Successfully closed Comerica acquisition**<br>Opening Balances as of February 1<sup>st</sup>:<br>&nbsp;&nbsp;&nbsp;&nbsp;• Total assets, including goodwill, of $86 billion<br>&nbsp;&nbsp;&nbsp;&nbsp;• Total loans of $51 billion<br>&nbsp;&nbsp;&nbsp;&nbsp;• Total deposits of $65 billion<br>&nbsp;&nbsp;&nbsp;&nbsp;**Stability:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• Solid credit performance. Net charge-offs<sup>(b)</sup> of 37 bps in 1Q26; lowest since 4Q23<br>&nbsp;&nbsp;&nbsp;&nbsp;• Funding mix strengthened; demand deposits increased from 25% of total deposits to 28%<br>&nbsp;&nbsp;&nbsp;&nbsp;• Tangible Common Equity<sup>(a)</sup> increased 11 bps to 7.3%<br>&nbsp;&nbsp;&nbsp;&nbsp;**Profitability:** <br>&nbsp;&nbsp;&nbsp;&nbsp;• Net interest margin<sup>(a)</sup> expanded 17 bps sequentially <br>&nbsp;&nbsp;&nbsp;&nbsp;• Adjusted ROTCE ex. AOCI<sup>(a)</sup> improved 190 bps and adjusted ROA<sup>(a)</sup> improved 9 bps year-over-year <br>&nbsp;&nbsp;&nbsp;&nbsp;• Tangible book value per share<sup>(a)</sup> grew 15% year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;**Growth:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• Newline deposits up $2.7B and fee revenues up 30% year-over-year <br>&nbsp;&nbsp;&nbsp;&nbsp;• Legacy Fifth Third consumer household growth of 3%, including 8% in the Southeast<br>&nbsp;&nbsp;&nbsp;&nbsp;• LOIs for 81 Texas branch locations executed or in process |
| *Other than the Quarterly Financial Review tables beginning on page 14, 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 14, 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 14, 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 14, 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 14, 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 14, 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 14, 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; **Successfully closed Comerica acquisition**<br>Opening Balances as of February 1<sup>st</sup>:<br>&nbsp;&nbsp;&nbsp;&nbsp;• Total assets, including goodwill, of $86 billion<br>&nbsp;&nbsp;&nbsp;&nbsp;• Total loans of $51 billion<br>&nbsp;&nbsp;&nbsp;&nbsp;• Total deposits of $65 billion<br>&nbsp;&nbsp;&nbsp;&nbsp;**Stability:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• Solid credit performance. Net charge-offs<sup>(b)</sup> of 37 bps in 1Q26; lowest since 4Q23<br>&nbsp;&nbsp;&nbsp;&nbsp;• Funding mix strengthened; demand deposits increased from 25% of total deposits to 28%<br>&nbsp;&nbsp;&nbsp;&nbsp;• Tangible Common Equity<sup>(a)</sup> increased 11 bps to 7.3%<br>&nbsp;&nbsp;&nbsp;&nbsp;**Profitability:** <br>&nbsp;&nbsp;&nbsp;&nbsp;• Net interest margin<sup>(a)</sup> expanded 17 bps sequentially <br>&nbsp;&nbsp;&nbsp;&nbsp;• Adjusted ROTCE ex. AOCI<sup>(a)</sup> improved 190 bps and adjusted ROA<sup>(a)</sup> improved 9 bps year-over-year <br>&nbsp;&nbsp;&nbsp;&nbsp;• Tangible book value per share<sup>(a)</sup> grew 15% year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;**Growth:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• Newline deposits up $2.7B and fee revenues up 30% year-over-year <br>&nbsp;&nbsp;&nbsp;&nbsp;• Legacy Fifth Third consumer household growth of 3%, including 8% in the Southeast<br>&nbsp;&nbsp;&nbsp;&nbsp;• LOIs for 81 Texas branch locations executed or in process |
| *Other than the Quarterly Financial Review tables beginning on page 14, 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 14, 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 14, 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 14, 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 14, 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 14, 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 14, 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; **Successfully closed Comerica acquisition**<br>Opening Balances as of February 1<sup>st</sup>:<br>&nbsp;&nbsp;&nbsp;&nbsp;• Total assets, including goodwill, of $86 billion<br>&nbsp;&nbsp;&nbsp;&nbsp;• Total loans of $51 billion<br>&nbsp;&nbsp;&nbsp;&nbsp;• Total deposits of $65 billion<br>&nbsp;&nbsp;&nbsp;&nbsp;**Stability:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• Solid credit performance. Net charge-offs<sup>(b)</sup> of 37 bps in 1Q26; lowest since 4Q23<br>&nbsp;&nbsp;&nbsp;&nbsp;• Funding mix strengthened; demand deposits increased from 25% of total deposits to 28%<br>&nbsp;&nbsp;&nbsp;&nbsp;• Tangible Common Equity<sup>(a)</sup> increased 11 bps to 7.3%<br>&nbsp;&nbsp;&nbsp;&nbsp;**Profitability:** <br>&nbsp;&nbsp;&nbsp;&nbsp;• Net interest margin<sup>(a)</sup> expanded 17 bps sequentially <br>&nbsp;&nbsp;&nbsp;&nbsp;• Adjusted ROTCE ex. AOCI<sup>(a)</sup> improved 190 bps and adjusted ROA<sup>(a)</sup> improved 9 bps year-over-year <br>&nbsp;&nbsp;&nbsp;&nbsp;• Tangible book value per share<sup>(a)</sup> grew 15% year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;**Growth:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• Newline deposits up $2.7B and fee revenues up 30% year-over-year <br>&nbsp;&nbsp;&nbsp;&nbsp;• Legacy Fifth Third consumer household growth of 3%, including 8% in the Southeast<br>&nbsp;&nbsp;&nbsp;&nbsp;• LOIs for 81 Texas branch locations executed or in process |
| *Other than the Quarterly Financial Review tables beginning on page 14, 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 14, 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 14, 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 14, 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 14, 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 14, 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 14, 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; **Successfully closed Comerica acquisition**<br>Opening Balances as of February 1<sup>st</sup>:<br>&nbsp;&nbsp;&nbsp;&nbsp;• Total assets, including goodwill, of $86 billion<br>&nbsp;&nbsp;&nbsp;&nbsp;• Total loans of $51 billion<br>&nbsp;&nbsp;&nbsp;&nbsp;• Total deposits of $65 billion<br>&nbsp;&nbsp;&nbsp;&nbsp;**Stability:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• Solid credit performance. Net charge-offs<sup>(b)</sup> of 37 bps in 1Q26; lowest since 4Q23<br>&nbsp;&nbsp;&nbsp;&nbsp;• Funding mix strengthened; demand deposits increased from 25% of total deposits to 28%<br>&nbsp;&nbsp;&nbsp;&nbsp;• Tangible Common Equity<sup>(a)</sup> increased 11 bps to 7.3%<br>&nbsp;&nbsp;&nbsp;&nbsp;**Profitability:** <br>&nbsp;&nbsp;&nbsp;&nbsp;• Net interest margin<sup>(a)</sup> expanded 17 bps sequentially <br>&nbsp;&nbsp;&nbsp;&nbsp;• Adjusted ROTCE ex. AOCI<sup>(a)</sup> improved 190 bps and adjusted ROA<sup>(a)</sup> improved 9 bps year-over-year <br>&nbsp;&nbsp;&nbsp;&nbsp;• Tangible book value per share<sup>(a)</sup> grew 15% year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;**Growth:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• Newline deposits up $2.7B and fee revenues up 30% year-over-year <br>&nbsp;&nbsp;&nbsp;&nbsp;• Legacy Fifth Third consumer household growth of 3%, including 8% in the Southeast<br>&nbsp;&nbsp;&nbsp;&nbsp;• LOIs for 81 Texas branch locations executed or in process |

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

*The first quarter reflected continued momentum across Fifth Third. We delivered strong loan and deposit growth, driven by new commercial relationships and continued household expansion. We closed the acquisition of Comerica on February 1st, and early financial benefits are already showing up, including strong net interest margin expansion and tangible book value per share growth.*

*Integration is progressing as we expected. We have integrated the combined management teams and are retaining key customer-facing colleagues, supporting continuity for clients as we move forward as one organization. We are also seeing early revenue synergies across both commercial and consumer businesses.*

*Our focus is unchanged: stability, profitability, and growth, in that order. Disciplined execution will drive growth and deepen client relationships as we expand in our attractive footprint markets, while maintaining strong credit performance and delivering the expected financial synergies from Comerica. We are building a better and more resilient institution and remain committed to delivering consistent, long-term value for shareholders.*

Investor contact: Matt Curoe (513) 534-2345 \| Media contact: Jennifer Hendricks Sullivan (614) 744-7693 April 17, 2026

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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 |
|  | March | December | March |  |  |
|  | 2026 | 2025 | 2025 | Seq | Yr/Yr |
| **Condensed Statements of Income** |  |  |  |  |  |
| Net interest income (NII)<sup>(a)</sup> | $1939 | $1533 | $1442 | 26% | 34% |
| Provision for credit losses | 227 | 119 | 174 | 91% | 30% |
| Noninterest income | 895 | 811 | 694 | 10% | 29% |
| Noninterest expense | 2395 | 1309 | 1304 | 83% | 84% |
| Income before income taxes<sup>(a)</sup> | $212 | $916 | $658 | (77)% | (68)% |
| Taxable equivalent adjustment | $5 | $4 | $5 | 25% |  |
| Applicable income tax expense | 42 | 181 | 138 | (77)% | (70)% |
| Net income | $165 | $731 | $515 | (77)% | (68)% |
| Dividends on preferred stock | 37 | 32 | 37 | 16% |  |
| Net income available to common shareholders | $128 | $699 | $478 | (82)% | (73)% |
| Earnings per share, diluted | $0.15 | $1.04 | $0.71 | (86)% | (79)% |

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Fifth Third Bancorp (NASDAQ<sup>®</sup>: FITB) today reported first quarter 2026 net income available to common shareholders of $128 million, or $0.15 per diluted share, compared to $699 million, or $1.04 per diluted share, in the prior quarter and $478 million, or $0.71 per diluted share, in the year-ago quarter.

On February 1, 2026, Fifth Third completed the acquisition of Comerica Incorporated in an all-stock transaction valued at approximately $12.7 billion. First quarter results include two months of activity for Comerica.

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| | |
|:---|:---|
| **Diluted earnings per share impact of certain item(s) - 1Q26** | **Diluted earnings per share impact of certain item(s) - 1Q26** |
| **(after-tax impact; $ in millions, except per share data)** | **(after-tax impact; $ in millions, except per share data)** |
| Merger-related charges<sup>(e)</sup><sup>1,2</sup> | $(510) |
| Merger-related Day 1 ACL build<sup>(e)</sup> | (63) |
| Interchange litigation matters<sup>(e)</sup> | 6 |
| After-tax impact of certain item(s) | $(567) |
| Diluted earnings per share impact of certain item(s)<sup>3</sup> | $(0.68) |
| *Totals may not foot due to rounding;* <sup>1</sup>*A portion of the adjustments related to merger-related expenses are not tax-deductible;* <sup>2</sup>*Pre-tax merger-related charges increased noninterest expense by $635 million and decreased noninterest income by $22 million;* <sup>3</sup>*Diluted earnings per share impact reflects 830.274 million average diluted shares outstanding* | *Totals may not foot due to rounding;* <sup>1</sup>*A portion of the adjustments related to merger-related expenses are not tax-deductible;* <sup>2</sup>*Pre-tax merger-related charges increased noninterest expense by $635 million and decreased noninterest income by $22 million;* <sup>3</sup>*Diluted earnings per share impact reflects 830.274 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 |
|  | March | December | March |  |  |
|  | 2026 | 2025 | 2025 | Seq | Yr/Yr |
| **Interest Income** |  |  |  |  |  |
| Interest income | $2977 | $2472 | $2437 | 20% | 22% |
| Interest expense | 1038 | 939 | 995 | 11% | 4% |
| Net interest income (NII) | $1939 | $1533 | $1442 | 26% | 34% |
| **Average Yield/Rate Analysis** |  |  |  | bps Change | bps Change |
| Yield on interest-earning assets | 5.07% | 5.05% | 5.13% | 2 | (6) |
| Rate paid on interest-bearing liabilities | 2.44% | 2.60% | 2.80% | (16) | (36) |
| **Ratios** |  |  |  |  |  |
| Net interest rate spread | 2.63% | 2.45% | 2.33% | 18 | 30 |
| Net interest margin (NIM) | 3.30% | 3.13% | 3.03% | 17 | 27 |

---

Fully taxable-equivalent (FTE) NII of $1.939 billion increased $406 million, or 26%, compared to the prior quarter. This improvement primarily reflects contributions from the Comerica acquisition, lower funding costs and disciplined balance sheet management. These benefits were partially offset by the impact of market rates on floating rate loans and lower day count. These same factors contributed to the 17 bps increase in NIM compared to the prior quarter. Purchase accounting accretion contributed approximately $38 million to net interest income in the quarter.

Compared to the year-ago quarter, NII increased $497 million, or 34%, and NIM increased 27 bps. This improvement was driven by the addition of Comerica earning assets and lower funding costs, partially offset by lower market rates impacting earning asset yields.

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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 |
|  | March | December | March |  |  |
|  | 2026 | 2025 | 2025 | Seq | Yr/Yr |
| **Noninterest Income** |  |  |  |  |  |
| Wealth and asset management revenue | $233 | $185 | $172 | 26% | 35% |
| Commercial payments revenue | 218 | 167 | 153 | 31% | 42% |
| Consumer banking revenue | 146 | 143 | 137 | 2% | 7% |
| Capital markets fees | 134 | 121 | 90 | 11% | 49% |
| Commercial banking revenue | 105 | 102 | 80 | 3% | 31% |
| Mortgage banking net revenue | 44 | 56 | 57 | (21)% | (23)% |
| Other noninterest income | 27 | 42 | 14 | (36)% | 93% |
| Securities losses, net | (12) | (5) | (9) | 140% | 33% |
| Total noninterest income | $895 | $811 | $694 | 10% | 29% |

---

Noninterest income of $895 million increased $84 million, or 10%, from the prior quarter and increased $201 million, or 29%, from the year-ago quarter. Both comparisons reflect two months of results from Comerica in the quarter. The reported results reflect the impact of certain items in the table below, including securities gains/losses which incorporate mark-to-market impacts from securities associated with non-qualified deferred compensation plans that are 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 | % Change | % Change |
|  | March | December | March |  |  |
|  | 2026 | 2025 | 2025 | Seq | Yr/Yr |
| **Noninterest Income excluding certain items** |  |  |  |  |  |
| Noninterest income (U.S. GAAP) | $895 | $811 | $694 |  |  |
| &nbsp;&nbsp;&nbsp;Merger-related charges | 22 |  |  |  |  |
| &nbsp;&nbsp;&nbsp;Interchange litigation matters | (8) | 8 | 18 |  |  |
| &nbsp;&nbsp;&nbsp;Litigation settlements |  | (12) |  |  |  |
| &nbsp;&nbsp;&nbsp;Securities losses, net | 12 | 5 | 9 |  |  |
| Noninterest income excluding certain items<sup>(a)</sup> | $921 | $812 | $721 | 13% | 28% |

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Noninterest income excluding certain items of $921 million increased $109 million, or 13%, compared to the prior quarter and increased $200 million, or 28%, from the year-ago quarter.

Comparisons to the prior and year-ago quarters were primarily driven by merger-related impacts with additional incremental contributions from positive business momentum. Wealth and asset management revenue totaled $233 million, supported by seasonal tax-related revenue and higher personal asset management revenue. Commercial payments revenue was $218 million, reflecting continued strength in core treasury services. Capital markets fees of $134 million were driven by client financial risk management revenue. Commercial banking revenue totaled $105 million, reflecting higher commercial lending-related fees. Mortgage banking net revenue was $44 million, reflecting lower MSR net valuation adjustments.

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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 |
|  | March | December | March |  |  |
|  | 2026 | 2025 | 2025 | Seq | Yr/Yr |
| **Noninterest Expense** |  |  |  |  |  |
| Compensation and benefits | $1410 | $683 | $750 | 106% | 88% |
| Technology and communications | 204 | 138 | 123 | 48% | 66% |
| Net occupancy expense | 140 | 89 | 87 | 57% | 61% |
| Card and processing expense | 79 | 27 | 21 | 193% | 276% |
| Equipment expense | 55 | 43 | 42 | 28% | 31% |
| Loan and lease expense | 42 | 41 | 30 | 2% | 40% |
| Marketing expense | 50 | 37 | 28 | 35% | 79% |
| Other noninterest expense | 415 | 251 | 223 | 65% | 86% |
| Total noninterest expense | $2395 | $1309 | $1304 | 83% | 84% |

---

Noninterest expense of $2.395 billion increased 83% from the prior quarter and increased 84% from the year-ago quarter. Both comparisons include two months of Comerica results in the quarter and the reported results reflect the impact of certain items in the table below.

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **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 |
|  | March | December | March |  |  |
|  | 2026 | 2025 | 2025 | Seq | Yr/Yr |
| **Noninterest Expense excluding certain item(s)** |  |  |  |  |  |
| Noninterest expense (U.S. GAAP) | $2395 | $1309 | $1304 |  |  |
| &nbsp;&nbsp;&nbsp;Merger-related charges | (635) | (13) |  |  |  |
| &nbsp;&nbsp;&nbsp;Fifth Third Foundation contribution |  | (50) |  |  |  |
| &nbsp;&nbsp;&nbsp;FDIC special assessment |  | 25 |  |  |  |
| &nbsp;&nbsp;&nbsp;Interchange litigation matters |  | (3) |  |  |  |
| Noninterest expense excluding certain item(s)<sup>(a)</sup> | $1760 | $1268 | $1304 | 39% | 35% |
| &nbsp;&nbsp;&nbsp;Non-qualified deferred compensation benefit | 9 | 5 | 4 |  |  |
| Noninterest expense excluding certain item(s) and non-qualified deferred compensation<sup>(a)</sup> | $1769 | $1273 | $1308 | 39% | 35% |

---

Noninterest expense excluding certain items and non-qualified deferred compensation of $1.769 billion increased 39% compared to the prior quarter and increased 35% from the year-ago quarter. Expenses in the quarter were impacted by ongoing costs associated with the merger and seasonal-related increases in compensation and benefits. Merger-related expenses of $635 million noted above represent approximately half of the expected full-year charges.

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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 |
|  | March | December | March |  |  |
|  | 2026 | 2025 | 2025 | Seq | Yr/Yr |
| **Average Portfolio Loans and Leases** |  |  |  |  |  |
| Commercial loans and leases: |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;Commercial and industrial loans | $73264 | $53947 | $53401 | 36% | 37% |
| &nbsp;&nbsp;&nbsp;Commercial mortgage loans | 21969 | 12079 | 12368 | 82% | 78% |
| &nbsp;&nbsp;&nbsp;Commercial construction loans | 7278 | 5399 | 5797 | 35% | 26% |
| &nbsp;&nbsp;&nbsp;Commercial leases | 3347 | 3172 | 3110 | 6% | 8% |
| Total commercial loans and leases | $105858 | $74597 | $74676 | 42% | 42% |
| Consumer loans: |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;Residential mortgage loans | $18848 | $17660 | $17552 | 7% | 7% |
| &nbsp;&nbsp;&nbsp;Home equity | 6064 | 4769 | 4222 | 27% | 44% |
| &nbsp;&nbsp;&nbsp;Indirect secured consumer loans | 18105 | 17879 | 16476 | 1% | 10% |
| &nbsp;&nbsp;&nbsp;Credit card | 1659 | 1694 | 1627 | (2)% | 2% |
| &nbsp;&nbsp;&nbsp;Solar energy installation loans | 4516 | 4486 | 4221 | 1% | 7% |
| &nbsp;&nbsp;&nbsp;Other consumer loans | 2582 | 2345 | 2498 | 10% | 3% |
| Total consumer loans | $51774 | $48833 | $46596 | 6% | 11% |
| Total average portfolio loans and leases | $157632 | $123430 | $121272 | 28% | 30% |
| **Average Loans and Leases Held for Sale** |  |  |  |  |  |
| Commercial loans and leases held for sale | $85 | $19 | $64 | 347% | 33% |
| Consumer loans held for sale | 566 | 698 | 428 | (19)% | 32% |
| Total average loans and leases held for sale | $651 | $717 | $492 | (9)% | 32% |
| Total average loans and leases | $158283 | $124147 | $121764 | 27% | 30% |
| Securities (taxable and tax-exempt) | $59950 | $52512 | $56598 | 14% | 6% |
| Other short-term investments | 19728 | 17485 | 14446 | 13% | 37% |
| Total average interest-earning assets | $237961 | $194144 | $192808 | 23% | 23% |

---

Compared to the prior quarter, total average portfolio loans and leases of $158 billion increased 28% and average commercial portfolio loans and leases of $106 billion increased 42%. Compared to the year-ago quarter, total average portfolio loans and leases increased 30% and average commercial portfolio loans and leases increased 42%. In each comparison the growth was primarily driven by commercial loans and leases acquired from Comerica.

Compared to the prior quarter, average consumer portfolio loans of $52 billion increased 6%. On a year-over-year basis, average consumer portfolio loans increased 11%. Growth in both periods primarily reflected consumer loans acquired from Comerica, with additional growth due to strong production in indirect secured consumer loans.

Average securities (taxable and tax-exempt; amortized cost) of $60 billion in the current quarter increased 14% compared to the prior quarter and 6% compared to the year-ago quarter. Growth in both periods primarily reflected securities acquired from Comerica. Average other short-term investments (including interest-bearing cash) of $20 billion in the current quarter increased 13% compared to the prior quarter and increased 37% compared to the year-ago quarter.

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **End of Period Interest-Earning Assets** | | | | | |
| **($ in millions)** | As of | As of | As of | % Change | % Change |
|  | March | December | March |  |  |
|  | 2026 | 2025 | 2025 | Seq | Yr/Yr |
| **End of Period Portfolio Loans and Leases** |  |  |  |  |  |
| Total commercial loans and leases | $122859 | $73562 | $75137 | 67% | 64% |
| Total consumer loans | 53391 | 49089 | 47054 | 9% | 13% |
| Total portfolio loans and leases | $176250 | $122651 | $122191 | 44% | 44% |
| **End of Period Loans and Leases Held for Sale** |  |  |  |  |  |
| Total loans and leases held for sale | $1365 | $733 | $473 | 86% | 189% |
| Total loans and leases | $177615 | $123384 | $122664 | 44% | 45% |
| Securities (taxable and tax-exempt) | $67823 | $51961 | $56323 | 31% | 20% |
| Other short-term investments | 17456 | 18876 | 14965 | (8)% | 17% |
| Total interest-earning assets | $262894 | $194221 | $193952 | 35% | 36% |

---

Period-end commercial portfolio loans and leases of $123 billion increased 67% and 64% compared to the prior and year-ago quarters, respectively. Growth in both comparisons primarily reflecting $46.5 billion of commercial loans and leases acquired from Comerica. Strong loan production and a rebound in line utilization also contributed to quarterly growth.

Period-end consumer portfolio loans of $53 billion increased 9% compared to the prior quarter and 13% compared to the year-ago quarter, both primarily driven by $4.1 billion of consumer loans acquired from Comerica.

Total period-end securities (taxable and tax-exempt; amortized cost) of $68 billion in the current quarter increased 31% compared to the prior quarter and increased 20% compared to the year-ago quarter. Securities growth in the quarter included $11.2 billion acquired from Comerica. Period-end other short-term investments of approximately $17 billion decreased 8% compared to the prior quarter and increased 17% 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 |
|  | March | December | March |  |  |
|  | 2026 | 2025 | 2025 | Seq | Yr/Yr |
| **Average Deposits** |  |  |  |  |  |
| Demand | $55770 | $41771 | $39788 | 34% | 40% |
| Interest checking | 67369 | 58612 | 57964 | 15% | 16% |
| Savings | 17546 | 16103 | 17226 | 9% | 2% |
| Money market | 54219 | 39409 | 36453 | 38% | 49% |
| Total transaction deposits | $194904 | $155895 | $151431 | 25% | 29% |
| CDs $250,000 or less | 11641 | 10541 | 10380 | 10% | 12% |
| Total core deposits | $206545 | $166436 | $161811 | 24% | 28% |
| CDs over $250,000<sup>1</sup> | 2807 | 1948 | 2346 | 44% | 20% |
| Total average deposits | $209352 | $168384 | $164157 | 24% | 28% |
| <sup>1</sup>*CDs over $250,000 includes $0.4BN, $0.8BN, and $1.3BN of retail brokered certificates of deposit which are fully covered by FDIC insurance for the three months ended 3/31/26, 12/31/25, and 3/31/25, respectively.* | <sup>1</sup>*CDs over $250,000 includes $0.4BN, $0.8BN, and $1.3BN of retail brokered certificates of deposit which are fully covered by FDIC insurance for the three months ended 3/31/26, 12/31/25, and 3/31/25, respectively.* | <sup>1</sup>*CDs over $250,000 includes $0.4BN, $0.8BN, and $1.3BN of retail brokered certificates of deposit which are fully covered by FDIC insurance for the three months ended 3/31/26, 12/31/25, and 3/31/25, respectively.* | <sup>1</sup>*CDs over $250,000 includes $0.4BN, $0.8BN, and $1.3BN of retail brokered certificates of deposit which are fully covered by FDIC insurance for the three months ended 3/31/26, 12/31/25, and 3/31/25, respectively.* | <sup>1</sup>*CDs over $250,000 includes $0.4BN, $0.8BN, and $1.3BN of retail brokered certificates of deposit which are fully covered by FDIC insurance for the three months ended 3/31/26, 12/31/25, and 3/31/25, respectively.* | <sup>1</sup>*CDs over $250,000 includes $0.4BN, $0.8BN, and $1.3BN of retail brokered certificates of deposit which are fully covered by FDIC insurance for the three months ended 3/31/26, 12/31/25, and 3/31/25, respectively.* |

---

Total average deposits of $209 billion increased 24% compared to the prior quarter and period-end total deposits of $234 billion increased 36%. Compared to the year-ago quarter, total average deposits increased 28% and period-end total deposits increased 41%. In both comparisons the increase reflects $65.2 billion of deposits acquired from Comerica. Growth in high quality, low-cost deposits remains a key strategic priority to further enhance the deposit base.

The period-end portfolio loan-to-core deposit ratio was 76% in the current quarter, compared to 72% in the prior quarter and 75% 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 |
|  | March | December | March |  |  |
|  | 2026 | 2025 | 2025 | Seq | Yr/Yr |
| **Average Wholesale Funding** |  |  |  |  |  |
| CDs over $250,000<sup>1</sup> | $2807 | $1948 | $2346 | 44% | 20% |
| Federal funds purchased | 178 | 204 | 194 | (13)% | (8)% |
| Securities sold under repurchase agreements | 322 | 365 | 286 | (12)% | 13% |
| FHLB advances | 99 | 2552 | 4767 | (96)% | (98)% |
| Derivative collateral and other secured borrowings | 83 | 84 | 84 | (1)% | (1)% |
| Long-term debt | 18062 | 13700 | 14585 | 32% | 24% |
| Total average wholesale funding | $21551 | $18853 | $22262 | 14% | (3)% |
| <sup>1</sup>*CDs over $250,000 includes $0.4BN, $0.8BN, and $1.3BN of retail brokered certificates of deposit which are fully covered by FDIC insurance for the three months ended 3/31/26, 12/31/25, and 3/31/25, respectively.* | <sup>1</sup>*CDs over $250,000 includes $0.4BN, $0.8BN, and $1.3BN of retail brokered certificates of deposit which are fully covered by FDIC insurance for the three months ended 3/31/26, 12/31/25, and 3/31/25, respectively.* | <sup>1</sup>*CDs over $250,000 includes $0.4BN, $0.8BN, and $1.3BN of retail brokered certificates of deposit which are fully covered by FDIC insurance for the three months ended 3/31/26, 12/31/25, and 3/31/25, respectively.* | <sup>1</sup>*CDs over $250,000 includes $0.4BN, $0.8BN, and $1.3BN of retail brokered certificates of deposit which are fully covered by FDIC insurance for the three months ended 3/31/26, 12/31/25, and 3/31/25, respectively.* | <sup>1</sup>*CDs over $250,000 includes $0.4BN, $0.8BN, and $1.3BN of retail brokered certificates of deposit which are fully covered by FDIC insurance for the three months ended 3/31/26, 12/31/25, and 3/31/25, respectively.* | <sup>1</sup>*CDs over $250,000 includes $0.4BN, $0.8BN, and $1.3BN of retail brokered certificates of deposit which are fully covered by FDIC insurance for the three months ended 3/31/26, 12/31/25, and 3/31/25, respectively.* |

---

Average wholesale funding of $22 billion increased 14% compared to the prior quarter, driven by an increase in long-term debt reflecting the $5.5 billion acquired from Comerica and the $2 billion issuance in January 2026, partially offset by a decrease in FHLB advances. The 3% decrease in average wholesale funding compared to the year-ago quarter was primarily attributable to a decrease in FHLB advances, partially offset by an increase in long-term debt.

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **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 |
|  | March | December | September | June | March |
|  | 2026 | 2025 | 2025 | 2025 | 2025 |
| Total nonaccrual portfolio loans and leases (NPLs) | $960 | $767 | $768 | $853 | $966 |
| Repossessed property | 11 | 11 | 12 | 8 | 9 |
| OREO | 28 | 19 | 21 | 25 | 21 |
| Total nonperforming portfolio loans and leases and OREO (NPAs) | $999 | $797 | $801 | $886 | $996 |
| NPL ratio<sup>(f)</sup> | 0.54% | 0.62% | 0.62% | 0.70% | 0.79% |
| NPA ratio<sup>(c)</sup> | 0.57% | 0.65% | 0.65% | 0.72% | 0.81% |
| Portfolio loans and leases 30-89 days past due (accrual) | $683 | $360 | $348 | $277 | $385 |
| Portfolio loans and leases 90 days past due (accrual) | 49 | 30 | 29 | 34 | 33 |
| 30-89 days past due as a % of portfolio loans and leases | 0.39% | 0.29% | 0.28% | 0.23% | 0.31% |
| 90 days past due as a % of portfolio loans and leases | 0.03% | 0.02% | 0.02% | 0.03% | 0.03% |
| Allowance for loan and lease losses (ALLL), beginning | $2253 | $2265 | $2412 | $2384 | $2352 |
| &nbsp;&nbsp;&nbsp;Total net losses charged-off | (144) | (125) | (339) | (139) | (136) |
| &nbsp;&nbsp;&nbsp;Provision for loan and lease losses | 152 | 113 | 192 | 167 | 168 |
| &nbsp;&nbsp;&nbsp;Allowance on PCD loans and leases at acquisition | 180 |  |  |  |  |
| &nbsp;&nbsp;&nbsp;Allowance on PSLs at acquisition | 481 |  |  |  |  |
| ALLL, ending | $2922 | $2253 | $2265 | $2412 | $2384 |
| Reserve for unfunded commitments, beginning | $157 | $151 | $146 | $140 | $134 |
| &nbsp;&nbsp;&nbsp;Provision for the reserve for unfunded commitments | 75 | 6 | 5 | 6 | 6 |
| Reserve for unfunded commitments, ending | $232 | $157 | $151 | $146 | $140 |
| Total allowance for credit losses (ACL) | $3154 | $2410 | $2416 | $2558 | $2524 |
| ACL ratios: |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;As a % of portfolio loans and leases | 1.79% | 1.96% | 1.96% | 2.09% | 2.07% |
| &nbsp;&nbsp;&nbsp;As a % of nonperforming portfolio loans and leases | 328% | 314% | 314% | 300% | 261% |
| &nbsp;&nbsp;&nbsp;As a % of nonperforming portfolio assets | 316% | 302% | 302% | 289% | 253% |
| ALLL as a % of portfolio loans and leases | 1.66% | 1.84% | 1.84% | 1.97% | 1.95% |
| Total losses charged-off | $(187) | $(177) | $(382) | $(194) | $(173) |
| Total recoveries of losses previously charged-off | 43 | 52 | 43 | 55 | 37 |
| Total net losses charged-off<sup>1</sup> | $(144) | $(125) | $(339) | $(139) | $(136) |
| Net charge-off ratio (NCO ratio)<sup>(b)</sup><sup>1</sup> | 0.37% | 0.40% | 1.09% | 0.45% | 0.46% |
| &nbsp;&nbsp;&nbsp;Commercial NCO ratio | 0.26% | 0.27% | 1.46% | 0.38% | 0.35% |
| &nbsp;&nbsp;&nbsp;Consumer NCO ratio | 0.58% | 0.59% | 0.52% | 0.56% | 0.63% |
| <sup>1</sup>*Excludes net charge-offs of $21 million which were taken immediately at the time of merger.* | <sup>1</sup>*Excludes net charge-offs of $21 million which were taken immediately at the time of merger.* | <sup>1</sup>*Excludes net charge-offs of $21 million which were taken immediately at the time of merger.* |  |  |  |

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The provision for credit losses totaled $227 million in the current quarter and included approximately $83 million of provision expense to establish part of the Day 1 allowance for Comerica. The total Day 1 allowance for credit losses established due to the Comerica acquisition was $744 million, with the allowance primarily established through purchase accounting. The ACL ratio represented 1.79% of total portfolio loans and leases at quarter end, down 17 bps from the prior quarter and down 28 bps from the year-ago quarter. The ACL coverage ratio increased to 328% of nonperforming portfolio loans and leases and 316% of nonperforming portfolio assets.

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Net charge-offs totaled $144 million in the current quarter, up $19 million from the prior quarter and the NCO ratio decreased 3 bps to 0.37%. Commercial net charge-offs were $69 million, with a commercial NCO ratio of 0.26%, down 1 bp from the prior quarter. Consumer net charge-offs were $75 million, with a consumer NCO ratio of 0.58%, down 1 bp from the prior quarter.

Compared to the year-ago quarter, net charge-offs increased $8 million and the NCO ratio decreased 9 bps. The commercial NCO ratio decreased 9 bps, and the consumer NCO ratio decreased 5 bps compared to the prior year.

Nonperforming portfolio loans and leases totaled $960 million in the current quarter, representing an NPL ratio of 0.54%, compared to 0.62% in the prior quarter and 0.79% in the year-ago quarter. Nonperforming portfolio assets totaled $999 million in the current quarter, resulting in an NPA ratio of 0.57%, compared to 0.65% in the prior quarter and 0.81% 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 |
|  | March | December | September | June | March |
|  | 2026 | 2025 | 2025 | 2025 | 2025 |
| **Capital Position** |  |  |  |  |  |
| Average total Bancorp shareholders' equity as a % of average assets | 11.34% | 10.11% | 10.02% | 9.82% | 9.50% |
| Tangible equity<sup>(a)</sup> | 9.01% | 9.28% | 9.12% | 9.39% | 9.07% |
| Tangible common equity (excluding AOCI)<sup>(a)</sup> | 8.26% | 8.46% | 8.29% | 8.38% | 8.07% |
| Tangible common equity (including AOCI)<sup>(a)</sup> | 7.25% | 7.14% | 6.89% | 6.84% | 6.40% |
| **Regulatory Capital Ratios**<sup>(d)</sup>  |  |  |  |  |  |
| CET1 capital | 9.96% | 10.81% | 10.57% | 10.58% | 10.43% |
| Tier 1 risk-based capital | 10.86% | 11.87% | 11.63% | 11.85% | 11.71% |
| Total risk-based capital | 12.56% | 13.78% | 13.54% | 13.77% | 13.63% |
| Leverage | 10.20% | 9.41% | 9.24% | 9.42% | 9.23% |

---

CET1 capital ratio of 9.96% decreased 85 bps sequentially, primarily reflecting capital impacts from the Comerica acquisition, including approximately $12.3 billion of common equity issued as consideration for the merger, $6.2 billion of goodwill and intangibles, $73 billion of risk-weighted assets, and $740 million of pre-tax merger-related impacts. There was no share repurchase activity in the first quarter of 2026.

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**Tax Rate**

The effective tax rate for the quarter was 20.1% compared with 19.8% in the prior quarter and 21.2% 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)Current period regulatory capital ratios are estimated.*

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

*(f)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 March 31, 2026**

**Table of Contents**

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| | |
|:---|:---|
| Financial Highlights | 14-15 |
| Consolidated Statements of Income | 16-17 |
| Consolidated Balance Sheets | 18-19 |
| Consolidated Statements of Changes in Equity | 20 |
| Average Balance Sheets and Yield/Rate Analysis | 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 |
| $ 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 |
| (unaudited) | March | December | March |  |  |
|  | 2026 | 2025 | 2025 | Seq | Yr/Yr |
| **Income Statement Data** |  |  |  |  |  |
| Net interest income | $1934 | $1529 | $1437 | 26% | 35% |
| Net interest income (FTE)<sup>(a)</sup>  | 1939 | 1533 | 1442 | 26% | 34% |
| Noninterest income | 895 | 811 | 694 | 10% | 29% |
| Total revenue (FTE)<sup>(a)</sup>  | 2834 | 2344 | 2136 | 21% | 33% |
| Provision for credit losses | 227 | 119 | 174 | 91% | 30% |
| Noninterest expense | 2395 | 1309 | 1304 | 83% | 84% |
| Net income | 165 | 731 | 515 | (77%) | (68%) |
| Net income available to common shareholders | 128 | 699 | 478 | (82%) | (73%) |
| **Earnings Per Share Data** |  |  |  |  |  |
| Net income allocated to common shareholders | $128 | $699 | $478 | (82%) | (73%) |
| Average common shares outstanding (in thousands): |  |  |  |  |  |
| Basic | 825119 | 664384 | 671052 | 24% | 23% |
| Diluted | 830274 | 669153 | 676040 | 24% | 23% |
| Earnings per share, basic | $0.16 | $1.05 | $0.71 | (85%) | (77%) |
| Earnings per share, diluted | 0.15 | 1.04 | 0.71 | (86%) | (79%) |
| **Common Share Data** |  |  |  |  |  |
| Cash dividends per common share | $0.40 | $0.40 | $0.37 |  | 8% |
| Book value per share | 35.24 | 30.18 | 27.41 | 17% | 29% |
| Market value per share | 46.46 | 46.81 | 39.20 | (1%) | 19% |
| Common shares outstanding (in thousands) | 905823 | 661198 | 667272 | 37% | 36% |
| Market capitalization | $42085 | $30951 | $26157 | 36% | 61% |
| **Financial Ratios** |  |  |  |  |  |
| Return on average assets | 0.25% | 1.36% | 0.99% | (111) | (74) |
| Return on average common equity | 1.8% | 14.0% | 10.8% | NM | (900) |
| Return on average tangible common equity<sup>(a)</sup>  | 3.5% | 19.0% | 15.2% | NM | NM |
| Noninterest income as a percent of total revenue<sup>(a)</sup>  | 32% | 35% | 32% | (300) |  |
| Dividend payout | 250.0% | 38.1% | 52.1% | NM | NM |
| Average total Bancorp shareholders' equity as a percent of average assets | 11.34% | 10.11% | 9.50% | 123 | 184 |
| Tangible common equity<sup>(a)</sup>  | 8.26% | 8.46% | 8.07% | (20) | 19 |
| Net interest margin (FTE)<sup>(a)</sup>  | 3.30% | 3.13% | 3.03% | 17 | 27 |
| Efficiency (FTE)<sup>(a)</sup>  | 84.5% | 55.8% | 61.0% | NM | NM |
| Effective tax rate | 20.1% | 19.8% | 21.2% | 30 | (110) |
| **Credit Quality** |  |  |  |  |  |
| Net losses charged-off<sup>(h)</sup>  | $144 | $125 | $136 | 15% | 6% |
| Net losses charged-off as a percent of average portfolio loans and leases (annualized) | 0.37% | 0.40% | 0.46% | (3) | (9) |
| ALLL as a percent of portfolio loans and leases | 1.66% | 1.84% | 1.95% | (18) | (29) |
| ACL as a percent of portfolio loans and leases<sup>(f)</sup> | 1.79% | 1.96% | 2.07% | (17) | (28) |
| Nonperforming portfolio assets as a percent of portfolio loans and leases and OREO | 0.57% | 0.65% | 0.81% | (8) | (24) |
| **Average Balances** |  |  |  |  |  |
| Loans and leases, including held for sale | $158283 | $124147 | $121764 | 27% | 30% |
| Securities and other short-term investments | 79678 | 69997 | 71044 | 14% | 12% |
| Assets | 265551 | 213021 | 210558 | 25% | 26% |
| Transaction deposits<sup>(b)</sup>  | 194904 | 155895 | 151431 | 25% | 29% |
| Core deposits<sup>(c)</sup> | 206545 | 166436 | 161811 | 24% | 28% |
| Wholesale funding<sup>(d)</sup> | 21551 | 18853 | 22262 | 14% | (3%) |
| Bancorp shareholders' equity | 30108 | 21527 | 20000 | 40% | 51% |
| **Regulatory Capital Ratios**<sup>(e)</sup> |  |  |  |  |  |
| CET1 capital | 9.96% | 10.81% | 10.43% | (85) | (47) |
| Tier 1 risk-based capital | 10.86% | 11.87% | 11.71% | (101) | (85) |
| Total risk-based capital | 12.56% | 13.78% | 13.63% | (122) | (107) |
| Leverage | 10.20% | 9.41% | 9.23% | 79 | 97 |
| **Additional Metrics** |  |  |  |  |  |
| Banking centers | 1489 | 1130 | 1084 | 32% | 37% |
| ATMs | 2643 | 2199 | 2069 | 20% | 28% |
| Full-time equivalent employees | 25980 | 18676 | 18786 | 39% | 38% |
| Assets under care ($ in billions)<sup>(g)</sup> | $746 | $690 | $639 | 8% | 17% |
| Assets under management ($ in billions)<sup>(g)</sup> | 119 | 80 | 68 | 49% | 75% |

---

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

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

*(h)Excludes net charge-offs of $21 million which were taken immediately at the time of merger.*

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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) | March | December | September | June | March |
|  | 2026 | 2025 | 2025 | 2025 | 2025 |
| **Income Statement Data** |  |  |  |  |  |
| Net interest income | $1934 | $1529 | $1520 | $1495 | $1437 |
| Net interest income (FTE)<sup>(a)</sup>  | 1939 | 1533 | 1525 | 1500 | 1442 |
| Noninterest income | 895 | 811 | 781 | 750 | 694 |
| Total revenue (FTE)<sup>(a)</sup>  | 2834 | 2344 | 2306 | 2250 | 2136 |
| Provision for credit losses | 227 | 119 | 197 | 173 | 174 |
| Noninterest expense | 2395 | 1309 | 1267 | 1264 | 1304 |
| Net income | 165 | 731 | 649 | 628 | 515 |
| Net income available to common shareholders | 128 | 699 | 608 | 591 | 478 |
| **Earnings Per Share Data** |  |  |  |  |  |
| Net income allocated to common shareholders | $128 | $699 | $608 | $591 | $478 |
| Average common shares outstanding (in thousands): |  |  |  |  |  |
| Basic | 825119 | 664384 | 666427 | 670787 | 671052 |
| Diluted | 830274 | 669153 | 670878 | 674034 | 676040 |
| Earnings per share, basic | $0.16 | $1.05 | $0.91 | $0.88 | $0.71 |
| Earnings per share, diluted | 0.15 | 1.04 | 0.91 | 0.88 | 0.71 |
| **Common Share Data** |  |  |  |  |  |
| Cash dividends per common share | $0.40 | $0.40 | $0.40 | $0.37 | $0.37 |
| Book value per share | 35.24 | 30.18 | 29.26 | 28.47 | 27.41 |
| Market value per share | 46.46 | 46.81 | 44.55 | 41.13 | 39.20 |
| Common shares outstanding (in thousands) | 905823 | 661198 | 660973 | 667710 | 667272 |
| Market capitalization | $42085 | $30951 | $29446 | $27463 | $26157 |
| **Financial Ratios** |  |  |  |  |  |
| Return on average assets | 0.25% | 1.36% | 1.21% | 1.20% | 0.99% |
| Return on average common equity | 1.8% | 14.0% | 12.6% | 12.8% | 10.8% |
| Return on average tangible common equity<sup>(a)</sup>  | 3.5% | 19.0% | 17.3% | 17.6% | 15.2% |
| Noninterest income as a percent of total revenue<sup>(a)</sup>  | 32% | 35% | 34% | 33% | 32% |
| Dividend payout | 250.0% | 38.1% | 44.0% | 42.0% | 52.1% |
| Average total Bancorp shareholders' equity as a percent of average assets | 11.34% | 10.11% | 10.02% | 9.82% | 9.50% |
| Tangible common equity<sup>(a)</sup>  | 8.26% | 8.46% | 8.29% | 8.38% | 8.07% |
| Net interest margin (FTE)<sup>(a)</sup>  | 3.30% | 3.13% | 3.13% | 3.12% | 3.03% |
| Efficiency (FTE)<sup>(a)</sup>  | 84.5% | 55.8% | 54.9% | 56.2% | 61.0% |
| Effective tax rate | 20.1% | 19.8% | 22.6% | 22.2% | 21.2% |
| **Credit Quality** |  |  |  |  |  |
| Net losses charged-off<sup>(h)</sup>  | $144 | $125 | $339 | $139 | $136 |
| Net losses charged-off as a percent of average portfolio loans and leases (annualized) | 0.37% | 0.40% | 1.09% | 0.45% | 0.46% |
| ALLL as a percent of portfolio loans and leases | 1.66% | 1.84% | 1.84% | 1.97% | 1.95% |
| ACL as a percent of portfolio loans and leases<sup>(f)</sup> | 1.79% | 1.96% | 1.96% | 2.09% | 2.07% |
| Nonperforming portfolio assets as a percent of portfolio loans and leases and OREO | 0.57% | 0.65% | 0.65% | 0.72% | 0.81% |
| **Average Balances** |  |  |  |  |  |
| Loans and leases, including held for sale | $158283 | $124147 | $123993 | $123657 | $121764 |
| Securities and other short-term investments | 79678 | 69997 | 69507 | 69025 | 71044 |
| Assets | 265551 | 213021 | 211770 | 210554 | 210558 |
| Transaction deposits<sup>(b)</sup> | 194904 | 155895 | 151669 | 150881 | 151431 |
| Core deposits<sup>(c)</sup> | 206545 | 166436 | 162510 | 161375 | 161811 |
| Wholesale funding<sup>(d)</sup> | 21551 | 18853 | 21821 | 22423 | 22262 |
| Bancorp shareholders' equity | 30108 | 21527 | 21216 | 20670 | 20000 |
| **Regulatory Capital Ratios**<sup>(e)</sup> |  |  |  |  |  |
| CET1 capital | 9.96% | 10.81% | 10.57% | 10.58% | 10.43% |
| Tier 1 risk-based capital | 10.86% | 11.87% | 11.63% | 11.85% | 11.71% |
| Total risk-based capital | 12.56% | 13.78% | 13.54% | 13.77% | 13.63% |
| Leverage | 10.20% | 9.41% | 9.24% | 9.42% | 9.23% |
| **Additional Metrics** |  |  |  |  |  |
| Banking centers | 1489 | 1130 | 1102 | 1089 | 1084 |
| ATMs | 2643 | 2199 | 2184 | 2170 | 2069 |
| Full-time equivalent employees | 25980 | 18676 | 18476 | 18690 | 18786 |
| Assets under care ($ in billions)<sup>(g)</sup> | $746 | $690 | $681 | $657 | $639 |
| Assets under management ($ in billions)<sup>(g)</sup> | 119 | 80 | 77 | 73 | 68 |

---

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

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

*(h)Excludes net charge-offs of $21 million which were taken immediately at the time of merger.*

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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 |
| (unaudited) | March | December | March |  |  |
|  | 2026 | 2025 | 2025 | Seq | Yr/Yr |
| **Interest Income** |  |  |  |  |  |
| Interest and fees on loans and leases | $2293 | $1862 | $1816 | 23% | 26% |
| Interest on securities | 501 | 431 | 451 | 16% | 11% |
| Interest on other short-term investments | 178 | 175 | 165 | 2% | 8% |
| Total interest income | 2972 | 2468 | 2432 | 20% | 22% |
| **Interest Expense** |  |  |  |  |  |
| Interest on deposits | 813 | 726 | 743 | 12% | 9% |
| Interest on short-term borrowings | 5 | 34 | 58 | (85%) | (91%) |
| Interest on long-term debt | 220 | 179 | 194 | 23% | 13% |
| Total interest expense | 1038 | 939 | 995 | 11% | 4% |
| **Net Interest Income** | 1934 | 1529 | 1437 | 26% | 35% |
| Provision for credit losses | 227 | 119 | 174 | 91% | 30% |
| **Net Interest Income After Provision for Credit Losses** | 1707 | 1410 | 1263 | 21% | 35% |
| **Noninterest Income** |  |  |  |  |  |
| Wealth and asset management revenue | 233 | 185 | 172 | 26% | 35% |
| Commercial payments revenue | 218 | 167 | 153 | 31% | 42% |
| Consumer banking revenue | 146 | 143 | 137 | 2% | 7% |
| Capital markets fees | 134 | 121 | 90 | 11% | 49% |
| Commercial banking revenue | 105 | 102 | 80 | 3% | 31% |
| Mortgage banking net revenue | 44 | 56 | 57 | (21%) | (23%) |
| Other noninterest income | 27 | 42 | 14 | (36%) | 93% |
| Securities losses, net | (12) | (5) | (9) | 140% | 33% |
| Total noninterest income | 895 | 811 | 694 | 10% | 29% |
| **Noninterest Expense** |  |  |  |  |  |
| Compensation and benefits | 1410 | 683 | 750 | 106% | 88% |
| Technology and communications | 204 | 138 | 123 | 48% | 66% |
| Net occupancy expense | 140 | 89 | 87 | 57% | 61% |
| Card and processing expense | 79 | 27 | 21 | 193% | 276% |
| Equipment expense | 55 | 43 | 42 | 28% | 31% |
| Loan and lease expense | 42 | 41 | 30 | 2% | 40% |
| Marketing expense | 50 | 37 | 28 | 35% | 79% |
| Other noninterest expense | 415 | 251 | 223 | 65% | 86% |
| Total noninterest expense | 2395 | 1309 | 1304 | 83% | 84% |
| **Income Before Income Taxes** | 207 | 912 | 653 | (77%) | (68%) |
| Applicable income tax expense | 42 | 181 | 138 | (77%) | (70%) |
| **Net Income** | 165 | 731 | 515 | (77%) | (68%) |
| Dividends on preferred stock | 37 | 32 | 37 | 16% |  |
| **Net Income Available to Common Shareholders** | $128 | $699 | $478 | (82%) | (73%) |

---

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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) | March | December | September | June | March |
|  | 2026 | 2025 | 2025 | 2025 | 2025 |
| **Interest Income** |  |  |  |  |  |
| Interest and fees on loans and leases | $2293 | $1862 | $1909 | $1881 | $1816 |
| Interest on securities | 501 | 431 | 444 | 458 | 451 |
| Interest on other short-term investments | 178 | 175 | 166 | 145 | 165 |
| Total interest income | 2972 | 2468 | 2519 | 2484 | 2432 |
| **Interest Expense** |  |  |  |  |  |
| Interest on deposits | 813 | 726 | 750 | 732 | 743 |
| Interest on short-term borrowings | 5 | 34 | 61 | 61 | 58 |
| Interest on long-term debt | 220 | 179 | 188 | 196 | 194 |
| Total interest expense | 1038 | 939 | 999 | 989 | 995 |
| **Net Interest Income** | 1934 | 1529 | 1520 | 1495 | 1437 |
| Provision for credit losses | 227 | 119 | 197 | 173 | 174 |
| **Net Interest Income After Provision for Credit Losses** | 1707 | 1410 | 1323 | 1322 | 1263 |
| **Noninterest Income** |  |  |  |  |  |
| Wealth and asset management revenue | 233 | 185 | 181 | 166 | 172 |
| Commercial payments revenue | 218 | 167 | 157 | 152 | 153 |
| Consumer banking revenue | 146 | 143 | 144 | 147 | 137 |
| Capital markets fees | 134 | 121 | 115 | 90 | 90 |
| Commercial banking revenue | 105 | 102 | 87 | 79 | 80 |
| Mortgage banking net revenue | 44 | 56 | 58 | 56 | 57 |
| Other noninterest income | 27 | 42 | 29 | 44 | 14 |
| Securities (losses) gains, net | (12) | (5) | 10 | 16 | (9) |
| Total noninterest income | 895 | 811 | 781 | 750 | 694 |
| **Noninterest Expense** |  |  |  |  |  |
| Compensation and benefits | 1410 | 683 | 685 | 698 | 750 |
| Technology and communications | 204 | 138 | 128 | 126 | 123 |
| Net occupancy expense | 140 | 89 | 89 | 83 | 87 |
| Card and processing expense | 79 | 27 | 22 | 22 | 21 |
| Equipment expense | 55 | 43 | 44 | 41 | 42 |
| Loan and lease expense | 42 | 41 | 39 | 36 | 30 |
| Marketing expense | 50 | 37 | 34 | 43 | 28 |
| Other noninterest expense | 415 | 251 | 226 | 215 | 223 |
| Total noninterest expense | 2395 | 1309 | 1267 | 1264 | 1304 |
| **Income Before Income Taxes** | 207 | 912 | 837 | 808 | 653 |
| Applicable income tax expense | 42 | 181 | 188 | 180 | 138 |
| **Net Income** | 165 | 731 | 649 | 628 | 515 |
| Dividends on preferred stock | 37 | 32 | 41 | 37 | 37 |
| **Net Income Available to Common Shareholders** | $128 | $699 | $608 | $591 | $478 |

---

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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) | March | December | March |  |  |
|  | 2026 | 2025 | 2025 | Seq | Yr/Yr |
| **Assets** |  |  |  |  |  |
| Cash and due from banks | $4084 | $3499 | $3009 | 17% | 36% |
| Other short-term investments | 17456 | 18876 | 14965 | (8%) | 17% |
| Available-for-sale debt and other securities<sup>(a)</sup>  | 46161 | 36159 | 39747 | 28% | 16% |
| Held-to-maturity securities<sup>(b)</sup>  | 16389 | 11368 | 11185 | 44% | 47% |
| Trading debt securities | 1669 | 1057 | 1159 | 58% | 44% |
| Equity securities | 544 | 453 | 494 | 20% | 10% |
| Loans and leases held for sale | 1365 | 733 | 473 | 86% | 189% |
| Portfolio loans and leases: |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial and industrial loans | 83864 | 52749 | 53700 | 59% | 56% |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial mortgage loans | 27143 | 12228 | 12357 | 122% | 120% |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial construction loans | 8329 | 5316 | 5952 | 57% | 40% |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial leases | 3523 | 3269 | 3128 | 8% | 13% |
| Total commercial loans and leases | 122859 | 73562 | 75137 | 67% | 64% |
| &nbsp;&nbsp;&nbsp;&nbsp;Residential mortgage loans | 19507 | 17652 | 17581 | 11% | 11% |
| &nbsp;&nbsp;&nbsp;&nbsp;Home equity | 6735 | 4846 | 4265 | 39% | 58% |
| &nbsp;&nbsp;&nbsp;&nbsp;Indirect secured consumer loans | 18296 | 17964 | 16804 | 2% | 9% |
| &nbsp;&nbsp;&nbsp;&nbsp;Credit card | 1658 | 1747 | 1660 | (5%) |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Solar energy installation loans | 4465 | 4560 | 4262 | (2%) | 5% |
| &nbsp;&nbsp;&nbsp;&nbsp;Other consumer loans | 2730 | 2320 | 2482 | 18% | 10% |
| Total consumer loans | 53391 | 49089 | 47054 | 9% | 13% |
| Portfolio loans and leases | 176250 | 122651 | 122191 | 44% | 44% |
| Allowance for loan and lease losses | (2922) | (2253) | (2384) | 30% | 23% |
| Portfolio loans and leases, net | 173328 | 120398 | 119807 | 44% | 45% |
| Bank premises and equipment | 3283 | 2734 | 2506 | 20% | 31% |
| Goodwill | 9966 | 4947 | 4918 | 101% | 103% |
| Intangible assets | 1233 | 69 | 82 | NM | NM |
| Servicing rights | 1583 | 1598 | 1663 | (1%) | (5%) |
| Other assets | 19978 | 12485 | 12661 | 60% | 58% |
| **Total Assets** | $297039 | $214376 | $212669 | 39% | 40% |
| **Liabilities** |  |  |  |  |  |
| Deposits: |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Demand | $65335 | $42647 | $40855 | 53% | 60% |
| &nbsp;&nbsp;&nbsp;&nbsp;Interest checking | 72425 | 61155 | 58420 | 18% | 24% |
| &nbsp;&nbsp;&nbsp;&nbsp;Savings | 18610 | 16155 | 17583 | 15% | 6% |
| &nbsp;&nbsp;&nbsp;&nbsp;Money market | 62345 | 39285 | 36505 | 59% | 71% |
| &nbsp;&nbsp;&nbsp;&nbsp;CDs $250,000 or less | 11807 | 10599 | 10248 | 11% | 15% |
| &nbsp;&nbsp;&nbsp;&nbsp;CDs over $250,000 | 3099 | 1978 | 1894 | 57% | 64% |
| Total deposits | 233621 | 171819 | 165505 | 36% | 41% |
| Short-term borrowings | 1289 | 926 | 5684 | 39% | (77%) |
| Accrued taxes, interest and expenses | 2628 | 2083 | 1722 | 26% | 53% |
| Other liabilities | 6642 | 4235 | 4816 | 57% | 38% |
| Long-term debt | 18753 | 13589 | 14539 | 38% | 29% |
| **Total Liabilities** | 262933 | 192652 | 192266 | 36% | 37% |
| **Equity** |  |  |  |  |  |
| Common stock<sup>(c)</sup>  | 2585 | 2051 | 2051 | 26% | 26% |
| Preferred stock | 2182 | 1770 | 2116 | 23% | 3% |
| Capital surplus | 15586 | 3831 | 3773 | 307% | 313% |
| Retained earnings | 25248 | 25488 | 24377 | (1%) | 4% |
| Accumulated other comprehensive loss | (3234) | (3110) | (3895) | 4% | (17%) |
| Treasury stock | (8261) | (8306) | (8019) | (1%) | 3% |
| **Total Equity** | 34106 | 21724 | 20403 | 57% | 67% |
| **Total Liabilities and Equity** | $297039 | $214376 | $212669 | 39% | 40% |
| *(a) Amortized cost* | *$49238* | *$39107* | *$43445* | *26%* | *13%* |
| *(b) Market values* | *16341* | *11404* | *11072* | *43 %* | *48 %* |
| *(c) Common shares, stated value $2.22 per share (in thousands):* |  |  |  |  |  |
| *Authorized* | *2000000* | *2000000* | *2000000* | *—* | *—* |
| *Outstanding, excluding treasury* | *905823* | *661198* | *667272* | *—* | *—* |
| *Treasury* | *258416* | *262695* | *256621* | *—* | *—* |

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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) | March | December | September | June | March |
|  | 2026 | 2025 | 2025 | 2025 | 2025 |
| **Assets** |  |  |  |  |  |
| Cash and due from banks | $4084 | $3499 | $2901 | $2972 | $3009 |
| Other short-term investments | 17456 | 18876 | 17215 | 13043 | 14965 |
| Available-for-sale debt and other securities<sup>(a)</sup> | 46161 | 36159 | 36461 | 38270 | 39747 |
| Held-to-maturity securities<sup>(b)</sup> | 16389 | 11368 | 11498 | 11630 | 11185 |
| Trading debt securities | 1669 | 1057 | 1266 | 1324 | 1159 |
| Equity securities | 544 | 453 | 287 | 404 | 494 |
| Loans and leases held for sale | 1365 | 733 | 576 | 646 | 473 |
| Portfolio loans and leases: |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial and industrial loans | 83864 | 52749 | 53947 | 53312 | 53700 |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial mortgage loans | 27143 | 12228 | 11932 | 12112 | 12357 |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial construction loans | 8329 | 5316 | 5326 | 5551 | 5952 |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial leases | 3523 | 3269 | 3218 | 3177 | 3128 |
| Total commercial loans and leases | 122859 | 73562 | 74423 | 74152 | 75137 |
| &nbsp;&nbsp;&nbsp;&nbsp;Residential mortgage loans | 19507 | 17652 | 17644 | 17681 | 17581 |
| &nbsp;&nbsp;&nbsp;&nbsp;Home equity | 6735 | 4846 | 4678 | 4485 | 4265 |
| &nbsp;&nbsp;&nbsp;&nbsp;Indirect secured consumer loans | 18296 | 17964 | 17885 | 17591 | 16804 |
| &nbsp;&nbsp;&nbsp;&nbsp;Credit card | 1658 | 1747 | 1692 | 1707 | 1660 |
| &nbsp;&nbsp;&nbsp;&nbsp;Solar energy installation loans | 4465 | 4560 | 4432 | 4316 | 4262 |
| &nbsp;&nbsp;&nbsp;&nbsp;Other consumer loans | 2730 | 2320 | 2376 | 2464 | 2482 |
| Total consumer loans | 53391 | 49089 | 48707 | 48244 | 47054 |
| Portfolio loans and leases | 176250 | 122651 | 123130 | 122396 | 122191 |
| Allowance for loan and lease losses | (2922) | (2253) | (2265) | (2412) | (2384) |
| Portfolio loans and leases, net | 173328 | 120398 | 120865 | 119984 | 119807 |
| Bank premises and equipment | 3283 | 2734 | 2655 | 2560 | 2506 |
| Goodwill | 9966 | 4947 | 4947 | 4918 | 4918 |
| Intangible assets | 1233 | 69 | 76 | 75 | 82 |
| Servicing rights | 1583 | 1598 | 1601 | 1629 | 1663 |
| Other assets | 19978 | 12485 | 12555 | 12536 | 12661 |
| **Total Assets** | $297039 | $214376 | $212903 | $209991 | $212669 |
| **Liabilities** |  |  |  |  |  |
| Deposits: |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Demand | $65335 | $42647 | $41830 | $42174 | $40855 |
| &nbsp;&nbsp;&nbsp;&nbsp;Interest checking | 72425 | 61155 | 57239 | 55524 | 58420 |
| &nbsp;&nbsp;&nbsp;&nbsp;Savings | 18610 | 16155 | 16110 | 16614 | 17583 |
| &nbsp;&nbsp;&nbsp;&nbsp;Money market | 62345 | 39285 | 38748 | 36586 | 36505 |
| &nbsp;&nbsp;CDs $250,000 or less | 11807 | 10599 | 10667 | 10883 | 10248 |
| &nbsp;&nbsp;CDs over $250,000 | 3099 | 1978 | 1975 | 2426 | 1894 |
| Total deposits | 233621 | 171819 | 166569 | 164207 | 165505 |
| Short-term borrowings | 1289 | 926 | 5260 | 3571 | 5684 |
| Accrued taxes, interest and expenses | 2628 | 2083 | 1943 | 1970 | 1722 |
| Other liabilities | 6642 | 4235 | 4347 | 4627 | 4816 |
| Long-term debt | 18753 | 13589 | 13677 | 14492 | 14539 |
| **Total Liabilities** | 262933 | 192652 | 191796 | 188867 | 192266 |
| **Equity** |  |  |  |  |  |
| Common stock<sup>(c)</sup> | 2585 | 2051 | 2051 | 2051 | 2051 |
| Preferred stock | 2182 | 1770 | 1770 | 2116 | 2116 |
| Capital surplus | 15586 | 3831 | 3813 | 3794 | 3773 |
| Retained earnings | 25248 | 25488 | 25057 | 24718 | 24377 |
| Accumulated other comprehensive loss | (3234) | (3110) | (3276) | (3546) | (3895) |
| Treasury stock | (8261) | (8306) | (8308) | (8009) | (8019) |
| **Total Equity** | 34106 | 21724 | 21107 | 21124 | 20403 |
| **Total Liabilities and Equity** | $297039 | $214376 | $212903 | $209991 | $212669 |
| *(a) Amortized cost* | *$49238* | *$39107* | *$39617* | *$41731* | *$43445* |
| *(b) Market values* | *16341* | *11404* | *11506* | *11547* | *11072* |
| *(c) Common shares, stated value $2.22 per share (in thousands):* |  |  |  |  |  |
| *Authorized* | *2000000* | *2000000* | *2000000* | *2000000* | *2000000* |
| *Outstanding, excluding treasury* | *905823* | *661198* | *660973* | *667710* | *667272* |
| *Treasury* | *258416* | *262695* | *262919* | *256183* | *256621* |

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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 |
|  | March | March |
|  | 2026 | 2025 |
| **Total Equity, Beginning** | $21724 | $19645 |
| Net income | 165 | 515 |
| Other comprehensive income, net of tax: |  |  |
| &nbsp;&nbsp;&nbsp;Change in unrealized (losses) gains: |  |  |
| Available-for-sale debt securities | (100) | 481 |
| Qualifying cash flow hedges | (46) | 235 |
| &nbsp;&nbsp;&nbsp;Amortization of unrealized losses on securities transferred to held-to-maturity | 22 | 25 |
| Comprehensive income | 41 | 1256 |
| Cash dividends declared: |  |  |
| Common stock | (368) | (251) |
| Preferred stock | (37) | (37) |
| Impact of Comerica acquisition | 12676 |  |
| Impact of stock transactions under stock compensation plans, net | 70 | 16 |
| Shares acquired for treasury |  | (226) |
| **Total Equity, Ending** | $34106 | $20403 |

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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 | March | March | December | December | March | March |
| (unaudited) | 2026 | 2026 | 2025 | 2025 | 2025 | 2025 |
|  | 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> | $73302 | 5.89% | $53960 | 5.96% | $53430 | 6.22% |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial mortgage loans<sup>(a)</sup> | 22005 | 5.85% | 12083 | 5.95% | 12388 | 5.97% |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial construction loans<sup>(a)</sup> | 7287 | 6.45% | 5399 | 6.84% | 5813 | 6.92% |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial leases<sup>(a)</sup> | 3347 | 4.86% | 3172 | 4.68% | 3110 | 4.80% |
| Total commercial loans and leases | 105941 | 5.89% | 74614 | 5.96% | 74741 | 6.17% |
| &nbsp;&nbsp;&nbsp;&nbsp;Residential mortgage loans | 19414 | 4.18% | 18358 | 4.01% | 17980 | 3.96% |
| &nbsp;&nbsp;&nbsp;&nbsp;Home equity | 6065 | 7.02% | 4770 | 7.23% | 4222 | 7.57% |
| &nbsp;&nbsp;&nbsp;&nbsp;Indirect secured consumer loans | 18105 | 5.54% | 17879 | 5.62% | 16476 | 5.57% |
| &nbsp;&nbsp;&nbsp;&nbsp;Credit card | 1659 | 13.94% | 1695 | 14.04% | 1627 | 14.76% |
| &nbsp;&nbsp;&nbsp;&nbsp;Solar energy installation loans | 4516 | 8.17% | 4486 | 9.00% | 4221 | 8.03% |
| &nbsp;&nbsp;&nbsp;&nbsp;Other consumer loans | 2583 | 8.77% | 2345 | 9.33% | 2497 | 9.37% |
| Total consumer loans | 52342 | 5.86% | 49533 | 5.94% | 47023 | 5.88% |
| Total loans and leases | 158283 | 5.88% | 124147 | 5.96% | 121764 | 6.06% |
| Securities: |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;Taxable securities | 58587 | 3.41% | 51157 | 3.28% | 55205 | 3.25% |
| &nbsp;&nbsp;&nbsp;Tax exempt securities<sup>(a)</sup> | 1363 | 3.26% | 1355 | 3.12% | 1393 | 3.18% |
| Other short-term investments | 19728 | 3.67% | 17485 | 3.96% | 14446 | 4.64% |
| Total interest-earning assets | 237961 | 5.07% | 194144 | 5.05% | 192808 | 5.13% |
| Cash and due from banks | 3066 |  | 2716 |  | 2388 |  |
| Other assets | 27210 |  | 18425 |  | 17714 |  |
| Allowance for loan and lease losses | (2686) |  | (2264) |  | (2352) |  |
| **Total Assets** | $265551 |  | $213021 |  | $210558 |  |
| **Liabilities** |  |  |  |  |  |  |
| Interest-bearing liabilities: |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Interest checking deposits | $67369 | 2.19% | $58612 | 2.45% | $57964 | 2.69% |
| &nbsp;&nbsp;&nbsp;&nbsp;Savings deposits | 17546 | 0.35% | 16103 | 0.40% | 17226 | 0.53% |
| &nbsp;&nbsp;&nbsp;&nbsp;Money market deposits | 54219 | 2.39% | 39409 | 2.39% | 36453 | 2.43% |
| &nbsp;&nbsp;&nbsp;&nbsp;CDs $250,000 or less | 11641 | 3.14% | 10541 | 3.43% | 10380 | 3.61% |
| Total interest-bearing core deposits | 150775 | 2.12% | 124665 | 2.25% | 122023 | 2.39% |
| &nbsp;&nbsp;&nbsp;&nbsp;CDs over $250,000 | 2807 | 3.41% | 1948 | 3.94% | 2346 | 4.43% |
| Total interest-bearing deposits | 153582 | 2.15% | 126613 | 2.28% | 124369 | 2.42% |
| &nbsp;&nbsp;&nbsp;&nbsp;Federal funds purchased | 178 | 3.66% | 204 | 3.92% | 194 | 4.38% |
| &nbsp;&nbsp;&nbsp;&nbsp;Securities sold under repurchase agreements | 322 | 1.09% | 365 | 1.46% | 286 | 0.92% |
| &nbsp;&nbsp;&nbsp;&nbsp;FHLB advances | 99 | 4.10% | 2552 | 4.47% | 4767 | 4.62% |
| &nbsp;&nbsp;&nbsp;&nbsp;Derivative collateral and other secured borrowings | 83 | 7.49% | 84 | 6.92% | 84 | 6.46% |
| &nbsp;&nbsp;&nbsp;&nbsp;Long-term debt | 18062 | 4.93% | 13700 | 5.20% | 14585 | 5.38% |
| Total interest-bearing liabilities | 172326 | 2.44% | 143518 | 2.60% | 144285 | 2.80% |
| Demand deposits | 55770 |  | 41771 |  | 39788 |  |
| Other liabilities | 7347 |  | 6205 |  | 6485 |  |
| **Total Liabilities** | 235443 |  | 191494 |  | 190558 |  |
| **Total Equity** | 30108 |  | 21527 |  | 20000 |  |
| **Total Liabilities and Equity** | $265551 |  | $213021 |  | $210558 |  |
| **Ratios:** |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Net interest margin (FTE)<sup>(b)</sup> |  | 3.30% |  | 3.13% |  | 3.03% |
| &nbsp;&nbsp;&nbsp;&nbsp;Net interest rate spread (FTE)<sup>(b)</sup> |  | 2.63% |  | 2.45% |  | 2.33% |
| &nbsp;&nbsp;&nbsp;&nbsp;Interest-bearing liabilities to interest-earning assets |  | 72.42% |  | 73.92% |  | 74.83% |
| *(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** | | | | | |
| 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) | March | December | September | June | March |
|  | 2026 | 2025 | 2025 | 2025 | 2025 |
| **Average Portfolio Loans and Leases** |  |  |  |  |  |
| Commercial loans and leases: |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial and industrial loans | $73264 | $53947 | $54170 | $54075 | $53401 |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial mortgage loans | 21969 | 12079 | 12027 | 12410 | 12368 |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial construction loans | 7278 | 5399 | 5541 | 5810 | 5797 |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial leases | 3347 | 3172 | 3177 | 3120 | 3110 |
| Total commercial loans and leases | 105858 | 74597 | 74915 | 75415 | 74676 |
| Consumer loans: |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Residential mortgage loans | 18848 | 17660 | 17656 | 17615 | 17552 |
| &nbsp;&nbsp;&nbsp;&nbsp;Home equity | 6064 | 4769 | 4579 | 4383 | 4222 |
| &nbsp;&nbsp;&nbsp;&nbsp;Indirect secured consumer loans | 18105 | 17879 | 17729 | 17248 | 16476 |
| &nbsp;&nbsp;&nbsp;&nbsp;Credit card | 1659 | 1694 | 1678 | 1659 | 1627 |
| &nbsp;&nbsp;&nbsp;&nbsp;Solar energy installation loans | 4516 | 4486 | 4355 | 4268 | 4221 |
| &nbsp;&nbsp;&nbsp;&nbsp;Other consumer loans | 2582 | 2345 | 2414 | 2483 | 2498 |
| Total consumer loans | 51774 | 48833 | 48411 | 47656 | 46596 |
| Total average portfolio loans and leases | $157632 | $123430 | $123326 | $123071 | $121272 |
| **Average Loans and Leases Held for Sale** |  |  |  |  |  |
| Commercial loans and leases held for sale | $85 | $19 | $44 | $45 | $64 |
| Consumer loans held for sale | 566 | 698 | 623 | 541 | 428 |
| Average loans and leases held for sale | $651 | $717 | $667 | $586 | $492 |
| **End of Period Portfolio Loans and Leases** |  |  |  |  |  |
| Commercial loans and leases: |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial and industrial loans | $83864 | $52749 | $53947 | $53312 | $53700 |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial mortgage loans | 27143 | 12228 | 11932 | 12112 | 12357 |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial construction loans | 8329 | 5316 | 5326 | 5551 | 5952 |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial leases | 3523 | 3269 | 3218 | 3177 | 3128 |
| Total commercial loans and leases | 122859 | 73562 | 74423 | 74152 | 75137 |
| Consumer loans: |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Residential mortgage loans | 19507 | 17652 | 17644 | 17681 | 17581 |
| &nbsp;&nbsp;&nbsp;&nbsp;Home equity | 6735 | 4846 | 4678 | 4485 | 4265 |
| &nbsp;&nbsp;&nbsp;&nbsp;Indirect secured consumer loans | 18296 | 17964 | 17885 | 17591 | 16804 |
| &nbsp;&nbsp;&nbsp;&nbsp;Credit card | 1658 | 1747 | 1692 | 1707 | 1660 |
| &nbsp;&nbsp;&nbsp;&nbsp;Solar energy installation loans | 4465 | 4560 | 4432 | 4316 | 4262 |
| &nbsp;&nbsp;&nbsp;&nbsp;Other consumer loans | 2730 | 2320 | 2376 | 2464 | 2482 |
| Total consumer loans | 53391 | 49089 | 48707 | 48244 | 47054 |
| Total portfolio loans and leases | $176250 | $122651 | $123130 | $122396 | $122191 |
| **End of Period Loans and Leases Held for Sale** |  |  |  |  |  |
| Commercial loans and leases held for sale | $651 | $75 | $8 | $74 | $28 |
| Consumer loans held for sale | 714 | 658 | 568 | 572 | 445 |
| Loans and leases held for sale | $1365 | $733 | $576 | $646 | $473 |
| Operating lease equipment | $416 | $374 | $379 | $344 | $314 |
| **Loans and Leases Serviced for Others**<sup>(a)</sup> |  |  |  |  |  |
| Commercial and industrial loans | $1801 | $1290 | $1206 | $1166 | $1104 |
| Commercial mortgage loans | 518 | 501 | 558 | 601 | 603 |
| Commercial construction loans | 318 | 291 | 304 | 333 | 367 |
| Commercial leases | 821 | 853 | 764 | 757 | 755 |
| Residential mortgage loans | 86733 | 87827 | 89639 | 91201 | 92769 |
| Solar energy installation loans | 665 | 686 | 692 | 557 | 575 |
| Other consumer loans | 86 | 92 | 98 | 105 | 112 |
| Total loans and leases serviced for others | 90942 | 91540 | 93261 | 94720 | 96285 |
| Total loans and leases owned or serviced | $268973 | $215298 | $217346 | $218106 | $219263 |

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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) | March | December | September | June | March |
|  | 2026<sup>(a)</sup> | 2025 | 2025 | 2025 | 2025 |
| **Regulatory Capital** |  |  |  |  |  |
| CET1 capital | $24157 | $18099 | $17645 | $17616 | $17239 |
| Additional tier 1 capital | 2182 | 1770 | 1770 | 2116 | 2116 |
| Tier 1 capital | 26339 | 19869 | 19415 | 19732 | 19355 |
| Tier 2 capital | 4109 | 3197 | 3204 | 3197 | 3175 |
| Total regulatory capital | $30448 | $23066 | $22619 | $22929 | $22530 |
| Risk-weighted assets | $242458 | $167431 | $166999 | $166517 | $165326 |
| **Ratios** |  |  |  |  |  |
| Average total Bancorp shareholders' equity as a percent of average assets | 11.34% | 10.11% | 10.02% | 9.82% | 9.50% |
| **Regulatory Capital Ratios** |  |  |  |  |  |
| Fifth Third Bancorp |  |  |  |  |  |
| CET1 capital | 9.96% | 10.81% | 10.57% | 10.58% | 10.43% |
| Tier 1 risk-based capital | 10.86% | 11.87% | 11.63% | 11.85% | 11.71% |
| Total risk-based capital | 12.56% | 13.78% | 13.54% | 13.77% | 13.63% |
| Leverage | 10.20% | 9.41% | 9.24% | 9.42% | 9.23% |
| Fifth Third Bank, National Association |  |  |  |  |  |
| Tier 1 risk-based capital | 11.84% | 13.09% | 12.95% | 12.87% | 12.78% |
| Total risk-based capital | 13.08% | 14.33% | 14.19% | 14.12% | 14.02% |
| Leverage | 11.13% | 10.41% | 10.31% | 10.25% | 10.10% |

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

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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) | March | December | September | June | March |
|  | 2026 | 2025 | 2025 | 2025 | 2025 |
| Average portfolio loans and leases: |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial and industrial loans | $73264 | $53947 | $54170 | $54075 | $53401 |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial mortgage loans | 21969 | 12079 | 12027 | 12410 | 12368 |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial construction loans | 7278 | 5399 | 5541 | 5810 | 5797 |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial leases | 3347 | 3172 | 3177 | 3120 | 3110 |
| Total commercial loans and leases | 105858 | 74597 | 74915 | 75415 | 74676 |
| &nbsp;&nbsp;&nbsp;&nbsp;Residential mortgage loans | 18848 | 17660 | 17656 | 17615 | 17552 |
| &nbsp;&nbsp;&nbsp;&nbsp;Home equity | 6064 | 4769 | 4579 | 4383 | 4222 |
| &nbsp;&nbsp;&nbsp;&nbsp;Indirect secured consumer loans | 18105 | 17879 | 17729 | 17248 | 16476 |
| &nbsp;&nbsp;&nbsp;&nbsp;Credit card | 1659 | 1694 | 1678 | 1659 | 1627 |
| &nbsp;&nbsp;&nbsp;&nbsp;Solar energy installation loans | 4516 | 4486 | 4355 | 4268 | 4221 |
| &nbsp;&nbsp;&nbsp;&nbsp;Other consumer loans | 2582 | 2345 | 2414 | 2483 | 2498 |
| Total consumer loans | 51774 | 48833 | 48411 | 47656 | 46596 |
| Total average portfolio loans and leases | $157632 | $123430 | $123326 | $123071 | $121272 |
| Losses charged-off: |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial and industrial loans | ($77) | ($61) | ($280) | ($84) | ($54) |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial mortgage loans |  | (7) | (2) | (4) | (11) |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial construction loans |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial leases |  | (1) |  | (2) | (2) |
| Total commercial loans and leases | (77) | (69) | (282) | (90) | (67) |
| &nbsp;&nbsp;&nbsp;&nbsp;Residential mortgage loans |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Home equity | (2) | (2) | (1) | (2) | (2) |
| &nbsp;&nbsp;&nbsp;&nbsp;Indirect secured consumer loans | (40) | (41) | (34) | (33) | (36) |
| &nbsp;&nbsp;&nbsp;&nbsp;Credit card | (19) | (20) | (20) | (20) | (22) |
| &nbsp;&nbsp;&nbsp;&nbsp;Solar energy installation loans | (26) | (22) | (20) | (23) | (21) |
| &nbsp;&nbsp;&nbsp;&nbsp;Other consumer loans | (23) | (23) | (25) | (26) | (25) |
| Total consumer loans | (110) | (108) | (100) | (104) | (106) |
| Total losses charged-off | ($187) | ($177) | ($382) | ($194) | ($173) |
| Recoveries of losses previously charged-off: |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial and industrial loans | $8 | $17 | $6 | $15 | $2 |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial mortgage loans |  | 1 | 1 | 1 | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial construction loans |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial leases |  |  |  | 3 |  |
| Total commercial loans and leases | 8 | 18 | 7 | 19 | 3 |
| &nbsp;&nbsp;&nbsp;&nbsp;Residential mortgage loans |  | 1 | 1 | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Home equity | 2 | 1 | 2 | 2 | 2 |
| &nbsp;&nbsp;&nbsp;&nbsp;Indirect secured consumer loans | 16 | 14 | 16 | 17 | 15 |
| &nbsp;&nbsp;&nbsp;&nbsp;Credit card | 5 | 5 | 4 | 5 | 5 |
| &nbsp;&nbsp;&nbsp;&nbsp;Solar energy installation loans | 3 | 5 | 4 | 3 | 3 |
| &nbsp;&nbsp;&nbsp;&nbsp;Other consumer loans | 9 | 8 | 9 | 8 | 9 |
| Total consumer loans | 35 | 34 | 36 | 36 | 34 |
| Total recoveries of losses previously charged-off | $43 | $52 | $43 | $55 | $37 |
| Net losses charged-off: |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial and industrial loans | ($69) | ($44) | ($274) | ($69) | ($52) |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial mortgage loans |  | (6) | (1) | (3) | (10) |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial construction loans |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial leases |  | (1) |  | 1 | (2) |
| Total commercial loans and leases | (69) | (51) | (275) | (71) | (64) |
| &nbsp;&nbsp;&nbsp;&nbsp;Residential mortgage loans |  | 1 | 1 | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Home equity |  | (1) | 1 |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Indirect secured consumer loans | (24) | (27) | (18) | (16) | (21) |
| &nbsp;&nbsp;&nbsp;&nbsp;Credit card | (14) | (15) | (16) | (15) | (17) |
| &nbsp;&nbsp;&nbsp;&nbsp;Solar energy installation loans | (23) | (17) | (16) | (20) | (18) |
| &nbsp;&nbsp;&nbsp;&nbsp;Other consumer loans | (14) | (15) | (16) | (18) | (16) |
| Total consumer loans | (75) | (74) | (64) | (68) | (72) |
| Total net losses charged-off<sup>(a)</sup>  | ($144) | ($125) | ($339) | ($139) | ($136) |
| Net losses charged-off as a percent of average portfolio loans and leases (annualized): |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial and industrial loans | 0.38% | 0.32% | 2.01% | 0.51% | 0.39% |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial mortgage loans |  | 0.21% | 0.04% | 0.11% | 0.34% |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial construction loans | (0.02%) |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial leases |  | 0.16% | (0.04%) | (0.10%) | 0.29% |
| Total commercial loans and leases | 0.26% | 0.27% | 1.46% | 0.38% | 0.35% |
| &nbsp;&nbsp;&nbsp;&nbsp;Residential mortgage loans | (0.01%) | (0.01%) | (0.02%) | (0.01%) |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Home equity | 0.01% | 0.06% | (0.05%) | 0.02% | 0.04% |
| &nbsp;&nbsp;&nbsp;&nbsp;Indirect secured consumer loans | 0.54% | 0.59% | 0.40% | 0.37% | 0.53% |
| &nbsp;&nbsp;&nbsp;&nbsp;Credit card | 3.51% | 3.62% | 3.70% | 3.74% | 4.19% |
| &nbsp;&nbsp;&nbsp;&nbsp;Solar energy installation loans | 2.03% | 1.45% | 1.47% | 1.86% | 1.73% |
| &nbsp;&nbsp;&nbsp;&nbsp;Other consumer loans | 2.19% | 2.46% | 2.51% | 2.49% | 2.52% |
| Total consumer loans | 0.58% | 0.59% | 0.52% | 0.56% | 0.63% |
| Total net losses charged-off as a percent of average portfolio loans and leases (annualized) | 0.37% | 0.40% | 1.09% | 0.45% | 0.46% |

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*(a)Excludes net charge-offs of $21 million which were taken immediately at the time of merger.*

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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) | March | December | September | June | March |
|  | 2026 | 2025 | 2025 | 2025 | 2025 |
| **Allowance for Credit Losses** |  |  |  |  |  |
| Allowance for loan and lease losses, beginning | $2253 | $2265 | $2412 | $2384 | $2352 |
| &nbsp;&nbsp;&nbsp;&nbsp;Total net losses charged-off<sup>(d)</sup> | (144) | (125) | (339) | (139) | (136) |
| &nbsp;&nbsp;&nbsp;Provision for loan and lease losses | 152 | 113 | 192 | 167 | 168 |
| &nbsp;&nbsp;&nbsp;Allowance on PCD loans and leases at acquisition | 180 |  |  |  |  |
| &nbsp;&nbsp;&nbsp;Allowance on PSLs at acquisition | 481 |  |  |  |  |
| Allowance for loan and lease losses, ending | $2922 | $2253 | $2265 | $2412 | $2384 |
| Reserve for unfunded commitments, beginning | $157 | $151 | $146 | $140 | $134 |
| Provision for the reserve for unfunded commitments | 75 | 6 | 5 | 6 | 6 |
| Reserve for unfunded commitments, ending | $232 | $157 | $151 | $146 | $140 |
| Components of allowance for credit losses: |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Allowance for loan and lease losses | $2922 | $2253 | $2265 | $2412 | $2384 |
| &nbsp;&nbsp;&nbsp;&nbsp;Reserve for unfunded commitments | 232 | 157 | 151 | 146 | 140 |
| Total allowance for credit losses | $3154 | $2410 | $2416 | $2558 | $2524 |
|  | As of | As of | As of | As of | As of |
|  | March | December | September | June | March |
|  | 2026 | 2025 | 2025 | 2025 | 2025 |
| **Nonperforming Assets and Delinquent Loans** |  |  |  |  |  |
| Nonaccrual portfolio loans and leases: |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial and industrial loans | $417 | $393 | $393 | $460 | $537 |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial mortgage loans | 94 | 34 | 42 | 48 | 70 |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial construction loans | 62 |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial leases |  |  |  |  | 16 |
| &nbsp;&nbsp;&nbsp;&nbsp;Residential mortgage loans | 164 | 149 | 142 | 143 | 145 |
| &nbsp;&nbsp;&nbsp;&nbsp;Home equity | 104 | 71 | 72 | 75 | 69 |
| &nbsp;&nbsp;&nbsp;&nbsp;Indirect secured consumer loans | 58 | 61 | 61 | 65 | 60 |
| &nbsp;&nbsp;&nbsp;&nbsp;Credit card | 30 | 29 | 29 | 29 | 31 |
| &nbsp;&nbsp;&nbsp;&nbsp;Solar energy installation loans | 26 | 22 | 22 | 26 | 30 |
| &nbsp;&nbsp;&nbsp;&nbsp;Other consumer loans | 5 | 8 | 7 | 7 | 8 |
| Total nonaccrual portfolio loans and leases | 960 | 767 | 768 | 853 | 966 |
| Repossessed property | 11 | 11 | 12 | 8 | 9 |
| OREO | 28 | 19 | 21 | 25 | 21 |
| Total nonperforming portfolio loans and leases and OREO | 999 | 797 | 801 | 886 | 996 |
| Nonaccrual loans held for sale | 141 | 70 | 4 | 27 | 21 |
| Total nonperforming assets | $1140 | $867 | $805 | $913 | $1017 |
| Loans and leases 90 days past due (accrual): |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial and industrial loans | $3 | $2 | $2 | $5 | $2 |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial mortgage loans | 19 |  |  | 3 | 6 |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial construction loans | 2 | 1 |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial leases | 1 |  |  |  |  |
| Total commercial loans and leases | 25 | 3 | 2 | 8 | 8 |
| &nbsp;&nbsp;&nbsp;&nbsp;Residential mortgage loans<sup>(c)</sup> | 7 | 10 | 11 | 8 | 8 |
| &nbsp;&nbsp;&nbsp;&nbsp;Credit card | 17 | 17 | 16 | 18 | 17 |
| Total consumer loans | 24 | 27 | 27 | 26 | 25 |
| Total loans and leases 90 days past due (accrual)<sup>(b)</sup> | $49 | $30 | $29 | $34 | $33 |
| **Ratios** |  |  |  |  |  |
| Net losses charged-off as a percent of average portfolio loans and leases (annualized) | 0.37% | 0.40% | 1.09% | 0.45% | 0.46% |
| Allowance for credit losses: |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;As a percent of portfolio loans and leases | 1.79% | 1.96% | 1.96% | 2.09% | 2.07% |
| &nbsp;&nbsp;&nbsp;&nbsp;As a percent of nonperforming portfolio loans and leases<sup>(a)</sup> | 328% | 314% | 314% | 300% | 261% |
| &nbsp;&nbsp;&nbsp;&nbsp;As a percent of nonperforming portfolio assets<sup>(a)</sup>  | 316% | 302% | 302% | 289% | 253% |
| Nonperforming portfolio loans and leases as a percent of portfolio loans and leases<sup>(a)</sup> | 0.54% | 0.62% | 0.62% | 0.70% | 0.79% |
| Nonperforming portfolio assets as a percent of portfolio loans and leases and OREO<sup>(a)</sup> | 0.57% | 0.65% | 0.65% | 0.72% | 0.81% |
| Nonperforming assets as a percent of total loans and leases, OREO, and repossessed property | 0.64% | 0.70% | 0.65% | 0.74% | 0.83% |
| *(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.* |
| *(d) Excludes net charge-offs of $21 million which were taken immediately at the time of merger.* | *(d) Excludes net charge-offs of $21 million which were taken immediately at the time of merger.* | *(d) Excludes net charge-offs of $21 million which were taken immediately at the time of merger.* | *(d) Excludes net charge-offs of $21 million which were taken immediately at the time of merger.* | *(d) Excludes net charge-offs of $21 million which were taken immediately at the time of merger.* | *(d) Excludes net charge-offs of $21 million which were taken immediately at the time of merger.* |

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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)," "adjusted total revenue," "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, adjusted total revenue, 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) | March | December | September | June | March |
|  |  | 2026 | 2025 | 2025 | 2025 | 2025 |
| **Net interest income** | **Net interest income** | $1934 | $1529 | $1520 | $1495 | $1437 |
| Add: Taxable equivalent adjustment | Add: Taxable equivalent adjustment | 5 | 4 | 5 | 5 | 5 |
| Net interest income (FTE) (a) | Net interest income (FTE) (a) | 1939 | 1533 | 1525 | 1500 | 1442 |
| **Net interest income (annualized) (b)** | **Net interest income (annualized) (b)** | 7843 | 6066 | 6030 | 5996 | 5828 |
| Net interest income (FTE) (annualized) (c) | Net interest income (FTE) (annualized) (c) | 7864 | 6082 | 6050 | 6016 | 5848 |
| **Interest income** | **Interest income** | 2972 | 2468 | 2519 | 2484 | 2432 |
| Add: Taxable equivalent adjustment | Add: Taxable equivalent adjustment | 5 | 4 | 5 | 5 | 5 |
| Interest income (FTE) | Interest income (FTE) | 2977 | 2472 | 2524 | 2489 | 2437 |
| Interest income (FTE) (annualized) (d) | Interest income (FTE) (annualized) (d) | 12073 | 9807 | 10014 | 9983 | 9883 |
| **Interest expense (annualized) (e)** | **Interest expense (annualized) (e)** | 4210 | 3725 | 3963 | 3967 | 4035 |
| **Average interest-earning assets (f)** | **Average interest-earning assets (f)** | 237961 | 194144 | 193500 | 192682 | 192808 |
| **Average interest-bearing liabilities (g)** | **Average interest-bearing liabilities (g)** | 172326 | 143518 | 143096 | 142913 | 144285 |
| **Net interest margin (b) / (f)** | **Net interest margin (b) / (f)** | 3.30% | 3.12% | 3.12% | 3.11% | 3.02% |
| Net interest margin (FTE) (c) / (f) | Net interest margin (FTE) (c) / (f) | 3.30% | 3.13% | 3.13% | 3.12% | 3.03% |
| Net interest rate spread (FTE) (d) / (f) - (e) / (g) | Net interest rate spread (FTE) (d) / (f) - (e) / (g) | 2.63% | 2.45% | 2.41% | 2.40% | 2.33% |
| **Income before income taxes** | **Income before income taxes** | $207 | $912 | $837 | $808 | $653 |
| Add: Taxable equivalent adjustment | Add: Taxable equivalent adjustment | 5 | 4 | 5 | 5 | 5 |
| Income before income taxes (FTE) | Income before income taxes (FTE) | 212 | 916 | 842 | 813 | 658 |
| **Net income available to common shareholders** | **Net income available to common shareholders** | 128 | 699 | 608 | 591 | 478 |
| Add: Intangible amortization, net of tax | Add: Intangible amortization, net of tax | 34 | 5 | 5 | 5 | 6 |
| Tangible net income available to common shareholders (h) | Tangible net income available to common shareholders (h) | 162 | 704 | 613 | 596 | 484 |
| Tangible net income available to common shareholders (annualized) (i) | Tangible net income available to common shareholders (annualized) (i) | 657 | 2793 | 2432 | 2391 | 1963 |
| **Average Bancorp shareholders**' **equity** | **Average Bancorp shareholders**' **equity** | 30108 | 21527 | 21216 | 20670 | 20000 |
| Less: | Average preferred stock | (2040) | (1770) | (2112) | (2116) | (2116) |
|  | Average goodwill | (8686) | (4947) | (4937) | (4918) | (4918) |
|  | Average intangible assets | (841) | (72) | (77) | (79) | (86) |
| Average tangible common equity, including AOCI (j) | Average tangible common equity, including AOCI (j) | 18541 | 14738 | 14090 | 13557 | 12880 |
| Less: | Average AOCI | 3080 | 3137 | 3520 | 3935 | 4362 |
| Average tangible common equity, excluding AOCI (k) | Average tangible common equity, excluding AOCI (k) | 21621 | 17875 | 17610 | 17492 | 17242 |
| **Total Bancorp shareholders**' **equity** | **Total Bancorp shareholders**' **equity** | 34106 | 21724 | 21107 | 21124 | 20403 |
| Less: | Preferred stock | (2182) | (1770) | (1770) | (2116) | (2116) |
|  | Goodwill | (9966) | (4947) | (4947) | (4918) | (4918) |
|  | Intangible assets | (1233) | (69) | (76) | (75) | (82) |
| Tangible common equity, including AOCI (l) | Tangible common equity, including AOCI (l) | 20725 | 14938 | 14314 | 14015 | 13287 |
| Less: | AOCI | 3234 | 3110 | 3276 | 3546 | 3895 |
| Tangible common equity, excluding AOCI (m) | Tangible common equity, excluding AOCI (m) | 23959 | 18048 | 17590 | 17561 | 17182 |
| Add: | Preferred stock | 2182 | 1770 | 1770 | 2116 | 2116 |
| Tangible equity (n) | Tangible equity (n) | 26141 | 19818 | 19360 | 19677 | 19298 |
| **Total assets** | **Total assets** | 297039 | 214376 | 212903 | 209991 | 212669 |
| Less: | Goodwill | (9966) | (4947) | (4947) | (4918) | (4918) |
|  | Intangible assets | (1233) | (69) | (76) | (75) | (82) |
| Tangible assets, including AOCI (o) | Tangible assets, including AOCI (o) | 285840 | 209360 | 207880 | 204998 | 207669 |
| Less: | AOCI, before tax | 4255 | 4092 | 4311 | 4666 | 5125 |
| Tangible assets, excluding AOCI (p) | Tangible assets, excluding AOCI (p) | $290095 | $213452 | $212191 | $209664 | $212794 |
| **Common shares outstanding (q)** | **Common shares outstanding (q)** | 906 | 661 | 661 | 668 | 667 |
| Tangible equity (n) / (p) | Tangible equity (n) / (p) | 9.01% | 9.28% | 9.12% | 9.39% | 9.07% |
| Tangible common equity (excluding AOCI) (m) / (p) | Tangible common equity (excluding AOCI) (m) / (p) | 8.26% | 8.46% | 8.29% | 8.38% | 8.07% |
| Tangible common equity (including AOCI) (l) / (o) | Tangible common equity (including AOCI) (l) / (o) | 7.25% | 7.14% | 6.89% | 6.84% | 6.40% |
| Tangible book value per share (including AOCI) (l) / (q) | Tangible book value per share (including AOCI) (l) / (q) | $22.88 | $22.60 | $21.66 | $20.98 | $19.92 |
| Tangible book value per share (excluding AOCI) (m) / (q) | Tangible book value per share (excluding AOCI) (m) / (q) | $26.44 | $27.30 | $26.61 | $26.29 | $25.76 |

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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) | March | December | March |
|  | 2026 | 2025 | 2025 |
| **Net income (r)** | $165 | $731 | $515 |
| **Net income (annualized) (s)** | 669 | 2900 | 2089 |
| Adjustments (pre-tax items) |  |  |  |
| Merger-related charges | 657 | 13 |  |
| Merger-related Day 1 ACL build | 83 |  |  |
| Securities (gains)/losses | 12 | 5 | 9 |
| Litigation settlements |  | (12) |  |
| FDIC special assessment |  | (25) |  |
| Fifth Third Foundation contribution |  | 50 |  |
| Interchange litigation matters | (8) | 11 | 18 |
| Non-qualified deferred compensation expense/(benefit) | (9) | (5) | (4) |
| Adjustments, pre-tax | 735 | 37 | 23 |
| Applicable income tax expense on adjustments | 166 | 6 | 5 |
| Adjustments, after-tax (t)<sup>(a)(b)</sup> | 569 | 31 | 18 |
| Adjustments (tax related items) |  |  |  |
| Benefit related to the resolution of certain tax matters |  | (7) |  |
| Adjustments (tax related items) (u) |  | (7) |  |
| **Noninterest income (v)** | 895 | 811 | 694 |
| Interchange litigation matters | (8) | 8 | 18 |
| Merger-related charges | 22 |  |  |
| Litigation settlements |  | (12) |  |
| Noninterest income excluding certain item(s) | 909 | 807 | 712 |
| Securities losses, net | 12 | 5 | 9 |
| Adjusted noninterest income, excluding certain items and securities losses (w) | 921 | 812 | 721 |
| **Noninterest expense (x)** | 2395 | 1309 | 1304 |
| Interchange litigation matters |  | (3) |  |
| Merger-related charges | (635) | (13) |  |
| FDIC special assessment |  | 25 |  |
| Fifth Third Foundation contribution |  | (50) |  |
| Noninterest expense excluding certain item(s) | 1760 | 1268 | 1304 |
| Non-qualified deferred compensation benefit | 9 | 5 | 4 |
| Adjusted noninterest expense, excluding certain items and non-qualified deferred compensation (y) | 1769 | 1273 | 1308 |
| Adjusted net income (r) + (t) + (u) | 734 | 755 | 533 |
| Adjusted net income (annualized) (z) | 2977 | 2995 | 2162 |
| Adjusted tangible net income available to common shareholders (h) + (t) + (u) | 731 | 728 | 502 |
| Adjusted tangible net income available to common shareholders (annualized) (aa) | 2965 | 2888 | 2036 |
| **Average assets (ab)** | $265551 | $213021 | $210558 |
| Return on average tangible common equity (i) / (j) | 3.5% | 19.0% | 15.2% |
| Return on average tangible common equity excluding AOCI (i) / (k) | 3.0% | 15.6% | 11.4% |
| Adjusted return on average tangible common equity, including AOCI (aa) / (j) | 16.0% | 19.6% | 15.8% |
| Adjusted return on average tangible common equity, excluding AOCI (aa) / (k) | 13.7% | 16.2% | 11.8% |
| **Return on average assets (s) / (ab)** | 0.25% | 1.36% | 0.99% |
| Adjusted return on average assets (z) / (ab) | 1.12% | 1.41% | 1.03% |
| Efficiency ratio (FTE) (x) / [(a) + (v)] | 84.5% | 55.8% | 61.0% |
| Adjusted efficiency ratio (y) / [(a) + (w)] | 61.9% | 54.3% | 60.5% |
| Total revenue (FTE) (a) + (v) | $2834 | $2344 | $2136 |
| Adjusted total revenue (FTE) (a) + (w) | $2860 | $2345 | $2163 |
| Pre-provision net revenue (PPNR) (a) + (v) - (x) | $439 | $1035 | $832 |
| Adjusted pre-provision net revenue (PPNR) (a) + (w) - (y) | $1091 | $1072 | $855 |
| *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 24% tax rate.* | *(a) Assumes a 24% tax rate.* | *(a) Assumes a 24% tax rate.* | *(a) Assumes a 24% tax rate.* |
| *(b) A portion of the adjustments related to merger-related expenses are not tax-deductible.* | *(b) A portion of the adjustments related to merger-related expenses are not tax-deductible.* | *(b) A portion of the adjustments related to merger-related expenses are not tax-deductible.* | *(b) A portion of the adjustments related to merger-related expenses are not tax-deductible.* |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Fifth Third Bancorp and Subsidiaries** | | | | | |
| Segment Presentation |  |  |  |  |  |
| $ in millions |  |  |  |  |  |
| (unaudited) |  |  |  |  |  |
| For the three months ended March 31, 2026 | **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> | $878 | $1073 | $83 | $(95) | $1939 |
| (Provision for) benefit from credit losses | (158) | (89) |  | 20 | (227) |
| Net interest income after (provision for) benefit from credit losses | 720 | 984 | 83 | (75) | 1712 |
| Noninterest income | 441 | 298 | 164 | (8) | 895 |
| Noninterest expense | (734) | (810) | (183) | (668) | (2395) |
| Income (loss) before income taxes (FTE)<sup>(a)</sup> | $427 | $472 | $64 | $(751) | $212 |
| For the three months ended December 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> | $581 | $1026 | $52 | $(126) | $1533 |
| (Provision for) benefit from credit losses | (46) | (84) |  | 11 | (119) |
| Net interest income after (provision for) benefit from credit losses | 535 | 942 | 52 | (115) | 1414 |
| Noninterest income | 386 | 311 | 111 | 3 | 811 |
| Noninterest expense | (476) | (645) | (97) | (91) | (1309) |
| Income (loss) before income taxes (FTE)<sup>(a)</sup> | $445 | $608 | $66 | $(203) | $916 |
| For the three months ended September 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> | $594 | $1082 | $55 | $(206) | $1525 |
| (Provision for) benefit from credit losses | (246) | (73) |  | 122 | (197) |
| Net interest income after (provision for) benefit from credit losses | 348 | 1009 | 55 | (84) | 1328 |
| Noninterest income | 357 | 309 | 109 | 6 | 781 |
| Noninterest expense | (454) | (653) | (93) | (67) | (1267) |
| Income (loss) before income taxes (FTE)<sup>(a)</sup> | $251 | $665 | $71 | $(145) | $842 |
| 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 |
| *(a) Includes taxable equivalent adjustments of $5 million for the three months ended March 31, 2026, $4 million for the three months ended December 31, 2025 and $5 million for the three months ended September 30, 2025, June 30, 2025 and March 31, 2025.*  | *(a) Includes taxable equivalent adjustments of $5 million for the three months ended March 31, 2026, $4 million for the three months ended December 31, 2025 and $5 million for the three months ended September 30, 2025, June 30, 2025 and March 31, 2025.*  | *(a) Includes taxable equivalent adjustments of $5 million for the three months ended March 31, 2026, $4 million for the three months ended December 31, 2025 and $5 million for the three months ended September 30, 2025, June 30, 2025 and March 31, 2025.*  | *(a) Includes taxable equivalent adjustments of $5 million for the three months ended March 31, 2026, $4 million for the three months ended December 31, 2025 and $5 million for the three months ended September 30, 2025, June 30, 2025 and March 31, 2025.*  | *(a) Includes taxable equivalent adjustments of $5 million for the three months ended March 31, 2026, $4 million for the three months ended December 31, 2025 and $5 million for the three months ended September 30, 2025, June 30, 2025 and March 31, 2025.*  | *(a) Includes taxable equivalent adjustments of $5 million for the three months ended March 31, 2026, $4 million for the three months ended December 31, 2025 and $5 million for the three months ended September 30, 2025, June 30, 2025 and March 31, 2025.*  |

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## Exhibit 99.2

![](fifththirdbancorppresent001.jpg)

1Q26 Earnings Presentation April 17, 2026 Refer to earnings release dated April 17, 2026 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 43 Key Messages 3 Credit performance reflects intentional selectivity, including limited exposure to private credit, supported by disciplined underwriting and portfolio management Organic growth remains broad-based and relationship-led, driven by continued momentum in new client and household acquisition Expense discipline remains intact as we continue to make targeted investments to support long-term growth Comerica integration is progressing as planned with execution tracking in line with expectations

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![](fifththirdbancorppresent004.jpg)© Fifth Third Bancorp \| All Rights Reserved • Tangible book value per share2 increased 15%, reflecting strong earnings and acquisition accretion • Net interest margin2 expanded 17 basis points sequentially reflecting contributions from the Comerica acquisition and disciplined balance sheet management • Net charge-offs3 of 37 basis points, lowest level in over two years, with stable commercial and consumer trends • Adjusted return on assets2 increased 9 basis points to 1.12% • Legacy Fifth Third generated consumer household growth of 3%, including 8% growth in the Southeast • CET14 of 10.0% following Comerica close, reflecting expected acquisition impact Reported1 Adjusted1 EPS $0.15 $0.83 ROA 0.25% 1.12% ROE 1.8% 10.1% ROTCE 3.5% 16.0% NIM 3.30% 3.30% Efficiency ratio 84.5% 61.9% PPNR $439MM $1,091MM CET14 10.0% For end note descriptions, see end note summary starting on page 43 1Q26 highlights 4 Comparisons in the bullet points are for 1Q26 versus 1Q25, unless otherwise noted

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![](fifththirdbancorppresent005.jpg)© Fifth Third Bancorp \| All Rights Reserved $1.44 $1.50 $1.53 $1.53 $1.94 3.03% 3.12% 3.13% 3.13% 3.30% NII NIM 1Q25 2Q25 3Q25 4Q25 1Q26 NII $ in millions; NIM change in bps 4Q25 to 1Q26 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 43 NII NIM 4Q25 $1,533 3.13% Securities marks and repositioning 39 7 Cash flow hedge termination 35 6 Loan purchase accounting accretion 12 2 Acquired and core growth 343 0 Day count (2 less days) (23) 2 1Q26 $1,939 3.30%

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![](fifththirdbancorppresent006.jpg)© Fifth Third Bancorp \| All Rights Reserved • Noninterest income excluding certain items1 of $921 million increased $109 million, or 13%, compared to the prior quarter and increased $200 million, or 28%, from the year- ago quarter • Comparisons to the prior and year-ago quarters were primarily driven by merger-related impacts with additional incremental contributions from positive business momentum 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 43 6 $ millions 1Q26 PQ YoY Wealth and asset management revenue $233 26% 35% Commercial payments revenue 218 31% 42% Consumer banking revenue 146 2% 7% Capital markets fees 134 11% 49% Commercial banking revenue 105 3% 31% Mortgage banking net revenue 44 (21)% (23)% Other noninterest income 27 (36)% 93% Securities (losses) gains, net (12) 140% 33% Noninterest income $895 10% 29% Impact of certain items 26 Adjusted noninterest income (excl. securities gains/losses, net)1,2 $921 13% 28% $694 $750 $781 $811 $895 $721 $735 $789 $812 $921 Noninterest income Adjusted noninterest income (excl. securities gains/losses, net)¹² 1Q25 2Q25 3Q25 4Q25 1Q26

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![](fifththirdbancorppresent007.jpg)© Fifth Third Bancorp \| All Rights Reserved $1,304 $1,264 $1,267 $1,309 $2,395 $1,308\* $1,233\* $1,253\* $1,273\* $1,769\* 60.5% 55.2% 54.1% 54.3% 61.9% Adjusted noninterest expense¹\* Noninterest expense Adjusted Efficiency Ratio¹ 1Q25 2Q25 3Q25 4Q25 1Q26 T o ta l n o ni nt er es t ex p en se ; $ m ill io ns Noninterest expense 7 $ in millions 1Q26 4Q25 1Q25 Non-qualified deferred compensation expense/ (benefit), primarily offset in securities gains/losses ($9) ($5) ($4) For end note descriptions, see end note summary starting on page 43 $ millions 1Q26 PQ YoY Compensation and benefits $1,410 106% 88% Technology and communications 204 48% 66% Net occupancy expense 140 57% 61% Card and processing expense 79 193% 276% Equipment expense 55 28% 31% Marketing expense 50 35% 79% Loan and lease expense 42 2% 40% Other noninterest expense 415 65% 86% Total noninterest expense $2,395 83% 84% Impact of certain items (635) Noninterest expense excluding certain item(s)1 $1,760 39 35% Non-qualified deferred compensation (expense)/benefit 9 Adjusted noninterest expense, excluding certain item(s)1 and non-qualified deferred compensation $1,769 39% 35% • Adjusted noninterest expense1 increased 39% compared to the prior quarter and increased 35% from the year-ago quarter • Expenses in the quarter were impacted by ongoing costs associated with the merger and seasonal-related increases in compensation and benefits • Merger-related expenses of $635 million represent approximately half of the expected full-year charges $1,3 4 8\*

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![](fifththirdbancorppresent008.jpg)© Fifth Third Bancorp \| All Rights Reserved Solar energy installation Average loans $121.3 $123.1 $123.3 $123.4 $157.6 $74.7 $75.4 $74.9 $74.6 $105.9 $46.6 $47.7 $48.4 $48.8 $51.8 6.06% 6.11% 6.12% 5.96% 5.88% Commercial Consumer Total loan yield 1Q25 2Q25 3Q25 4Q25 1Q26 $122.2 $122.4 $123.1 $122.7 $176.3 $75.1 $74.2 $74.4 $73.6 $122.9 $47.1 $48.2 $48.7 $49.1 $53.4 Commercial Consumer 1Q25 2Q25 3Q25 4Q25 1Q26 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 46% 19% 2% 12% 11% 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: 67% Consumer: 33% $46.5 $4.1 Comerica opening balances1

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![](fifththirdbancorppresent009.jpg)© Fifth Third Bancorp \| All Rights Reserved 4.50% 4.50% 4.25% 3.75% 3.75% 1.84% 1.80% 1.81% 1.71% 1.58% Fed Funds Rate Total Cost of Deposits 1Q25 2Q25 3Q25 4Q25 1Q26 Total cost of deposits Total deposit mixAverage deposit balances $164.2 $163.6 $164.8 $168.4 $209.4 $161.8 $161.4 $162.5 $166.4 $206.5 2.42% 2.39% 2.41% 2.28% 2.15% Core Deposits CDs > $250K Total interest-bearing deposit costs 1Q25 2Q25 3Q25 4Q25 1Q26 $ in billions Demand, 27% Interest checking, 32% Money market and savings, 34% Time deposits, 7% $ in billions $209B Average Deposits $161.8 $161.4 $162.5 $166.4 $206.5 $122.0 $120.5 $121.3 $124.7 $150.8 $39.8 $40.9 $41.2 $41.8 $55.8 24.6% 25.3% 25.4% 25.1% 27.0% Interest-Bearing $ Non Interest-Bearing $ Non Interest-Bearing % 1Q25 2Q25 3Q25 4Q25 1Q26 Core deposit trends (average) $ in billions Deposits Note: Totals shown above may not foot due to rounding 9

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![](fifththirdbancorppresent010.jpg)© Fifth Third Bancorp \| All Rights Reserved Net charge-offs (NCOs) $136 $139 $339 $125 $144 $136 $139 $339 $125 1Q25 2Q25 3Q25 4Q25 1Q26 Credit quality overview 10 1Q25 2Q25 3Q25 4Q25 1Q26 NPL ratio 0.79% 0.70% 0.62% 0.62% 0.54% NPA ratio1 0.81% 0.72% 0.65% 0.65% 0.57% 30-89 days past due as a % of portfolio loans and leases 0.31% 0.23% 0.28% 0.29% 0.39% NCO ratio2 0.46% 0.45% 1.09% 0.40% 0.37% ACL ratio as a % of portfolio loans and leases 2.07% 2.09% 1.96% 1.96% 1.79% Nonperforming loans (NPLs) $966 $853 $768 $767 $960 1Q25 2Q25 3Q25 4Q25 1Q26 Portfolio loans & leases 30-89 days past due $385 $277 $348 $360 $683 1Q25 2Q25 3Q25 4Q25 1Q26 $ in millions For end note descriptions, see end note summary starting on page 43

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![](fifththirdbancorppresent011.jpg)© Fifth Third Bancorp \| All Rights Reserved 1Q17 1Q18 1Q19 1Q20 1Q21 1Q22 1Q23 1Q24 1Q25 1Q26 0.00% 0.50% 1.00% 1.50% Historical net charge-off and NPA ratios Net charge-off ratio Non-performing assets ratio2 1Q17 1Q18 1Q19 1Q20 1Q21 1Q22 1Q23 1Q24 1Q25 1Q26 0.00% 0.50% 1.00% 1.50% Commercial net charge-off ratio 1Q17 1Q18 1Q19 1Q20 1Q21 1Q22 1Q23 1Q24 1Q25 1Q26 0.00% 0.50% 1.00% 1.50% 1Q17 1Q18 1Q19 1Q20 1Q21 1Q22 1Q23 1Q24 1Q25 1Q26 0.00% 0.50% 1.00% 1.50% Consumer net charge-off ratio 1Q26 0.26% 1Q26 0.37% 1Q26 0.57% 1Q26 0.58% 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 43 11

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![](fifththirdbancorppresent012.jpg)© Fifth Third Bancorp \| All Rights Reserved 10.8% 5 bps (7 bps) (73 bps) (15 bps) 5 bps 10.0% 4Q25 Net income to common RWA Acquisition Impacts Common dividends Other 1Q26 12 Strong liquidity and capital position Liquidity position $ in billions Capital position Common equity tier 1 ratio1 For end note descriptions, see end note summary starting on page 43; totals shown above may not foot due to rounding Liquidity Sources 12/31/25 3/31/26 Fed reserves $18 $16 Unpledged investment securities $20 $31 Available FHLB borrowing capacity $13 $15 Current Fed discount window availability $61 $76 Total $111 $138 • Maintained full Category 1 LCR compliance during the quarter, ending at 109% • 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 Common equity tier 1 ratio1 Common equity tier 1 ratio inclusive of AOCI2 10.4% 10.6% 10.6% 10.8% 10.0% 8.3% 8.6% 8.8% 9.1% 8.8% Reported CET1 Ratio CET1 inclusive of AOCI 1Q25 2Q25 3Q25 4Q25 1Q26

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![](fifththirdbancorppresent013.jpg)© Fifth Third Bancorp \| All Rights Reserved As of April 17, 2026; please see cautionary statements on page 2. Current expectations Full year 2026 13 For end note descriptions, see end note summary starting on page 43 Full year 2026 Avg. loans & leases (Including HFS) mid-$170s billion Net interest income1 (FY25 baseline: $6.0 billion) $8.7 - $8.8 billion assumes 12/31/26 Fed funds rate of 3.75% and includes the impact of purchase accounting accretion Noninterest income1 (FY25 baseline: $3.1 billion; excludes securities g/l) $4.0 - $4.2 billion Noninterest expense1 (FY25 baseline: $5.1 billion; excludes the mark-to-market impact of non-qualified deferred compensation) $7.2 - $7.3 billion Includes the impact of anticipated CDI amortization (~$210MM) and excludes acquisition related charges Net charge-off ratio 30 - 40 bps Effective tax rate 22 - 23%

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![](fifththirdbancorppresent014.jpg)© Fifth Third Bancorp \| All Rights Reserved As of April 17, 2026; please see cautionary statements on page 2. Current expectations 2Q26 14 For end note descriptions, see end note summary starting on page 43 2Q26 Avg. loans & leases (Including HFS) $178 - $179 billion Net interest income1 (1Q26 baseline: $1.94 billion) $2.20 - $2.25 billion assumes 6/30/26 Fed funds rate of 3.75% and includes the impact of purchase accounting accretion Noninterest income1 (1Q26 baseline: $0.92 billion; excludes securities g/l) $1.00 - $1.06 billion Noninterest expense1 (1Q26 baseline: $1.77 billion; excludes the mark-to-market impact of non-qualified deferred compensation) $1.87 - $1.89 billion Includes the impact of anticipated CDI amortization (~$60MM) and excludes acquisition related charges Net charge-off ratio 30 - 35 bps Effective tax rate 22.5%

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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) 3.14 3.17 3.19 3.19 3.25 1Q25 2Q25 3Q25 4Q25 1Q26 Digital Engagement Digital Originations Average Active Mobile Users (Millions) 2.40 2.43 2.47 2.49 2.53 1Q25 2Q25 3Q25 4Q25 1Q26 Digital Assisted Mortgage Applications 98% 97% 98% 98% 97% 1Q25 2Q25 3Q25 4Q25 1Q26 New Consumer Deposit Accounts 27% 28% 28% 31% 34% 1Q25 2Q25 3Q25 4Q25 1Q26 Consumer Satisfaction #1 for banking mobile app user satisfaction among regional banks 16 For end note descriptions, see end note summary starting on page 43 1 2 Average app store rating of 4.8 stars

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![](fifththirdbancorppresent017.jpg)© Fifth Third Bancorp \| All Rights Reserved 24% 22% 18% 14% 12% 5% 5% Strategic investments resulting in fee diversification and growth • Total pro-forma fee revenue1 accounted for ~33% of total pro-forma revenue for the last twelve months ending 3/31/26 • 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 1Q26 pro-forma 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 1Q26 pro-forma noninterest income as a percent of pro-forma revenue2, unless otherwise noted LTM 1Q26 pro-forma noninterest income $4.2B 33% 29% LTM 4Q25 Peer Median For end note descriptions, see end note summary starting on page 43

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![](fifththirdbancorppresent018.jpg)© Fifth Third Bancorp \| All Rights Reserved $74.7 $75.4 $74.9 $74.6 $105.9 $75.1 $74.2 $74.4 $73.6 $122.9 Average Period-end 1Q25 2Q25 3Q25 4Q25 1Q26 1Q25 4Q25 1Q26 NCO ratio1 0.35% 0.27% 0.26% 30-89 delinquencies 0.21% 0.15% 0.37% 90+ delinquencies 0.01% 0.00% 0.02% Nonperforming loans2 0.83% 0.58% 0.47% Portfolio loans and leases $ in billions Key statistics Total commercial portfolio overview Average QoQ change 3.8% 1.0% (0.7%) (0.4%) 41.9% Period-end QoQ change 2.5% (1.3%) 0.4% (1.2%) 67.0% Commercial portfolio mix 68% 22% 7% 3% C&I Commercial mortgage Commercial construction Commercial leases For end note descriptions, see end note summary starting on page 43; totals shown above may not foot due to rounding 18

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![](fifththirdbancorppresent019.jpg)© Fifth Third Bancorp \| All Rights Reserved $53.4 $54.1 $54.2 $53.9 $73.3 $53.7 $53.3 $53.9 $52.7 $83.9 Average Period-end 1Q25 2Q25 3Q25 4Q25 1Q26 19 Key statistics Revolving line utilization trend3 Commercial and industrial overview 35.3% 35.5% 36.1% 35.5% 36.2% 37.0% 36.5% 36.7% 34.9% 40.7% 4Q23 1Q24 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25 1Q26 Portfolio loans $ in billions Average QoQ change 3.6% 1.3% 0.2% (0.4%) 35.8% Period-end QoQ change 2.7% (0.7%) 1.2% (2.2%) 59.0% For end note descriptions, see end note summary starting on page 43; totals shown above may not foot due to rounding 1Q25 4Q25 1Q26 NCO ratio1 0.39% 0.32% 0.38% 30-89 delinquencies 0.23% 0.19% 0.38% 90+ delinquencies 0.00% 0.00% 0.00% Nonperforming loans2 1.00% 0.75% 0.50% 36.8% ex. Comerica

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![](fifththirdbancorppresent020.jpg)© Fifth Third Bancorp \| All Rights Reserved 20 Note: Totals shown above may not foot due to rounding Non-depository financial institution portfolio 31% 24% 23% 11% 11% NDFI portfolio characteristics 1Q26 $13.1B¹ 7% of loans $ in billions; as of 3/31/26 Consumer Warehouse Consumer Finance Securitization Vehicles Real Estate Institutional CRE, Residential Mortgage Warehouse, Mortgage Servicing Rights Private Capital Warehouse Corporate Debt Facilities, BDC Subscription Lines Capital Call Facilities, SBIC Funds Corporate Credit Facilities Payments, Insurance, Financial Intermediaries Relationship focused main street lender with lower NDFI exposure Private Capital Warehouse characteristics • 2nd lowest exposure to NDFIs among peers2 • 89% of the NDFI portfolio is investment grade or equivalent • 1Q26 criticized rate of 55 bps • Zero losses in last 10 years across Real Estate, Subscription Lines and Private Capital Warehouse3 • Senior-positioned, well-collateralized and deliberately sized within risk appetite • Tight internal concentration limits actively monitored and enforced through independent risk governance • BDC balances limited, totaling $266 million or just 0.15% of total loans

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![](fifththirdbancorppresent021.jpg)© Fifth Third Bancorp \| All Rights Reserved Retail 17% Financial Services 16% Rental and Leasing 13% TMT 9% Manufacturing 9% Wholesale Trade 8% Business Services 8% Other 20% 21 High quality Shared National Credit portfolio SNC portfolio $45.5BN ~26% of total loans Shared National Credit portfolio is well diversified Industry mix Key statistics For end note descriptions, see end note summary starting on page 43; totals shown above may not foot due to rounding $ in billions; as of 3/31/26 1Q25 4Q25 1Q26 Loan balance $32.7 $31.9 $45.5 Nonperforming loans2 0.86% 0.64% 0.35% NCO Ratio1 0.27% 0.09% 0.35% • ~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

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![](fifththirdbancorppresent022.jpg)© Fifth Third Bancorp \| All Rights Reserved 22 Low concentration in leveraged lending Note: Totals shown above may not foot due to rounding Total Loan Portfolio Composition Leveraged 2.1% Wholesale Trade Accommodation & Food Services Manufacturing Arts, Entertainment, and Recreation Information Admin, Support & Other Services Professional, Scientific, and Technical Services Retail Trade Healthcare & Other Social Assistance Management of Companies & Enterprises Other Diversified Leveraged Portfolio Total Loans $177.6 Billion as of 3/31/26 as of 3/31/26 $3.7 Billion • Significant reduction in leveraged lending portfolio as a percent of total loans – Represents ~2% of loans vs ~8% in 2015 • Leveraged criticized asset ratio remains well below the 5-year average

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![](fifththirdbancorppresent023.jpg)© Fifth Third Bancorp \| All Rights Reserved Portfolio loans 45% 18% 17% 12% 3% 2% 2% 55%45% Commercial real estate overview CRE mortgage Balance by occupancy CRE construction Balance by property type Industrial RetailOffice Hospitality Other Home builder Non-Owner occupied Owner occupied Multifamily 30% Industrial 17% Retail 16% Hospitality 9% Office 9% Non-owner occupied property type mix $18.2 $18.2 $17.6 $17.5 $29.2 $18.3 $17.7 $17.3 $17.5 $35.5 $5.8 $5.8 $5.5 $5.4 $7.3 $12.4 $12.4 $12.0 $12.1 $22.0 $6.0 $5.6 $5.3 $5.3 $8.3 $12.4 $12.1 $11.9 $12.2 $27.1 1Q25 2Q25 3Q25 4Q25 1Q26 23 Medical Office 7% For end note descriptions, see end note summary starting on page 43; totals shown above may not foot due to rounding Period-end QoQ change 2.7% (3.5%) (2.3%) 1.7% 102.2% $ in billions Average QoQ change 3.8% 0.3% (3.6%) (0.5%) 67.3% 1Q25 4Q25 1Q26 NCO ratio1 0.23% 0.14% 0.00% 30-89 delinquencies 0.03% 0.01% 0.36% 90+ delinquencies 0.03% 0.01% 0.06% Nonperforming loans2 0.38% 0.19% 0.44% Key statistics Period-end - Commercial mortgageAverage - Commercial mortgage Period-end - Commercial constructionAverage - Commercial construction Multifamily Other 11%

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![](fifththirdbancorppresent024.jpg)© Fifth Third Bancorp \| All Rights Reserved Period-end QoQ change 1.2% 2.5% 1.0% 0.8% 8.8% $46.6 $47.7 $48.4 $48.8 $51.8 $47.1 $48.2 $48.7 $49.1 $53.4 1Q25 2Q25 3Q25 4Q25 1Q26 15% 16% 66% 1Q25 4Q25 1Q26 NCO ratio1 0.63% 0.59% 0.58% 30-89 delinquencies 0.48% 0.51% 0.44% 90+ delinquencies 0.05% 0.06% 0.04% Nonperforming loans2 0.73% 0.69% 0.72% Weighted average FICO at origination3 767 768 768 Weighted average LTV at origination 79% 80% 78% Total consumer portfolio overview 24 Portfolio FICO score at origination3 $ in billions Portfolio loans 2% For end note descriptions, see end note summary starting on page 43; totals shown above may not foot due to rounding Average QoQ change 1.5% 2.3% 1.6% 0.9% 6.0% Key statistics 750+720-749<660 660-719 Period-endAverage

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![](fifththirdbancorppresent025.jpg)© Fifth Third Bancorp \| All Rights Reserved Period-end QoQ change 0.2% 0.6% (0.2%) —% 10.5% Average QoQ change 1.3% 0.4% 0.2% —% 6.7% 12% 15% 69% Weighted average FICO at origination3 764 764 763 Weighted average LTV at origination 74% 75% 74% Residential mortgage overview 25 $17.6 $17.6 $17.7 $17.7 $18.8 $17.6 $17.7 $17.6 $17.7 $19.5 1Q25 2Q25 3Q25 4Q25 1Q26 4% For end note descriptions, see end note summary starting on page 43; totals shown above may not foot due to rounding $ in billions Portfolio loans 1Q25 4Q25 1Q26 NCO ratio1 0.00% (0.01%) (0.01%) 30-89 delinquencies 0.15% 0.19% 0.16% 90+ delinquencies 0.05% 0.06% 0.04% Nonperforming Loans2 0.82% 0.84% 0.84% Key statistics 750+720-749<660 660-719 Portfolio FICO score at origination3 Period-endAverage

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![](fifththirdbancorppresent026.jpg)© Fifth Third Bancorp \| All Rights Reserved 17% 16% 67% $4.2 $4.4 $4.6 $4.8 $6.1 $4.3 $4.5 $4.7 $4.8 $6.7 1Q25 2Q25 3Q25 4Q25 1Q26 Weighted average FICO at origination3 769 772 773 Weighted average LTV at origination 66% 65% 64% Home equity overview 26 1% For end note descriptions, see end note summary starting on page 43; totals shown above may not foot due to rounding Period-end QoQ change 1.8% 5.2% 4.3% 3.6% 39.0% Average QoQ change 2.4% 3.8% 4.5% 4.1% 27.2% $ in billions Portfolio loans Period-endAverage 750+720-749<660 660-719 Portfolio FICO score at origination3 1Q25 4Q25 1Q26 NCO ratio1 0.04% 0.06% 0.01% 30-89 delinquencies 0.63% 0.52% 0.49% 90+ delinquencies 0.00% 0.00% 0.00% Nonperforming loans2 1.62% 1.47% 1.54% Key statistics

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![](fifththirdbancorppresent027.jpg)© Fifth Third Bancorp \| All Rights Reserved 84% 16% 17% 17% 65% Indirect secured consumer overview 27 Portfolio FICO score at origination \*Includes primarily RV & Marine $16.5 $17.2 $17.7 $17.9 $18.1 $16.8 $17.6 $17.9 $18.0 $18.3 1Q25 2Q25 3Q25 4Q25 1Q26 1% Weighted average FICO at origination 772 774 774 Weighted average LTV at origination 88% 88% 89% For end note descriptions, see end note summary starting on page 43; totals shown above may not foot due to rounding Period-end QoQ change 3.0% 4.7% 1.7% 0.4% 1.8% Average QoQ change 2.3% 4.7% 2.8% 0.8% 1.3% $ in billions Portfolio loans Period-endAverage 1Q25 4Q25 1Q26 NCO ratio1 0.53% 0.59% 0.54% 30-89 delinquencies 0.68% 0.72% 0.61% 90+ delinquencies 0.00% 0.00% 0.00% Nonperforming loans2 0.36% 0.34% 0.32% Key statistics 750+720-749<660 660-719 Portfolio FICO score at origination Auto Specialty Lending\*

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![](fifththirdbancorppresent028.jpg)© Fifth Third Bancorp \| All Rights Reserved 27% 19% 49% Credit card overview 28 $1.6 $1.7 $1.7 $1.7 $1.7$1.7 $1.7 $1.7 $1.7 $1.7 1Q25 2Q25 3Q25 4Q25 1Q26 Weighted average FICO at origination3 743 743 743 5% Period-end QoQ change (4.3%) 2.8% (0.9%) 3.3% (5.1%) Average QoQ change (2.5%) 2.0% 1.1% 1.0% (2.1%) $ in billions Portfolio loans For end note descriptions, see end note summary starting on page 43; totals shown above may not foot due to rounding Period-endAverage 1Q25 4Q25 1Q26 NCO ratio1 4.19% 3.62% 3.51% 30-89 delinquencies 1.02% 1.03% 0.97% 90+ delinquencies 1.02% 0.97% 1.03% Nonperforming loans2 1.87% 1.66% 1.81% Key statistics Portfolio FICO score at origination3 750+720-749<660 660-719

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![](fifththirdbancorppresent029.jpg)© Fifth Third Bancorp \| All Rights Reserved $4.2 $4.3 $4.4 $4.5 $4.5 $4.3 $4.3 $4.4 $4.6 $4.5 1Q25 2Q25 3Q25 4Q25 1Q26 14% 20% 66% Weighted average FICO at origination 772 771 771 Solar energy installation overview 29 For end note descriptions, see end note summary starting on page 43; totals shown above may not foot due to rounding Period-end QoQ change 1.4% 1.3% 2.7% 2.9% (2.1%) Average QoQ change 2.0% 1.1% 2.0% 3.0% 0.7% $ in billions Portfolio loans 1Q25 4Q25 1Q26 NCO ratio1 1.73% 1.45% 2.03% 30-89 delinquencies 0.52% 0.57% 0.56% 90+ delinquencies 0.00% 0.00% 0.00% Nonperforming loans2 0.70% 0.48% 0.58% Key statistics Period-endAverage Portfolio FICO score at origination 750+720-749660-719

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![](fifththirdbancorppresent030.jpg)© Fifth Third Bancorp \| All Rights Reserved Allowance for credit losses 30 For end note descriptions, see end note summary starting on page 43; totals shown above may not foot due to rounding Allowance for loan & lease losses Amount % of portfolio loans & leases 4Q25 1Q25 Commercial and industrial loans $1,155 1.38% (0.17%) (0.19%) Commercial mortgage loans 519 1.91% (0.31)% (0.70%) Commercial construction loans 124 1.49% (0.01%) 0.53% Commercial leases 22 0.62% 0.07% 0.11 Total commercial loans and leases $1,820 1.48% (0.13%) (0.17%) Residential mortgage loans 108 0.55% (0.06) (0.24%) Home equity 94 1.40% (0.40%) (0.80%) Indirect secured consumer loans 315 1.72% 0.03% (0.14%) Credit card 146 8.81% 0.22% (0.65%) Solar energy installation loans 334 7.48% 0.59% (0.10%) Other consumer loans 105 3.85% (0.59%) (0.90%) Total consumer loans 1,102 2.06% (0.11%) (0.37%) Allowance for loan & lease losses 2,922 1.66% (0.18%) (0.29%) Reserve for unfunded commitments1 232 Allowance for credit losses $3,154 1.79% (0.17%) (0.28%) Compared to: Allocation of allowance by product $ in millions 1Q26 Change in rate

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![](fifththirdbancorppresent031.jpg)© Fifth Third Bancorp \| All Rights Reserved NPL1 rollforward 31 For end note descriptions, see end note summary starting on page 43; totals shown above may not foot due to rounding 1Q25 2Q25 3Q25 4Q25 1Q26 Balance, beginning of period $456 $623 $508 $435 $427 Transfers to nonaccrual status 273 63 266 138 173 Acquired nonaccrual loans — — — — 170 Transfers to accrual status (3) (1) — (1) (1) Transfers to held for sale (17) (24) (1) (44) (84) Loan paydowns/payoffs (19) (70) (63) (34) (38) Transfer to OREO — — — (1) — Charge-offs (67) (90) (282) (68) (77) Draws/other extensions of credit — 7 7 2 3 Balance, end of period $623 $508 $435 $427 $573 1Q25 2Q25 3Q25 4Q25 1Q26 Balance, beginning of period $367 $343 $345 $333 $340 Transfers to nonaccrual status 109 95 88 104 103 Acquired nonaccrual loans — — — — 51 Transfers to accrual status (48) (26) (19) (20) (21) Transfers to held for sale — — — — — Loan paydowns/payoffs (30) (27) (38) (31) (39) Transfer to OREO (5) (5) (7) (5) (6) Charge-offs (52) (37) (37) (42) (44) Draws/other extensions of credit 2 2 1 1 3 Balance, end of period $343 $345 $333 $340 $387 Commercial $ in millions Consumer $ in millions Total NPL $966 $853 $768 $767 $960 Total new nonaccrual loans - HFI 382 158 354 242 276 Total NPL $ in millions

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![](fifththirdbancorppresent032.jpg)© Fifth Third Bancorp \| All Rights Reserved Balance sheet positioning 32 For end note descriptions, see end note summary starting on page 43; totals shown above may not foot due to rounding C&I 20% Fix \| 80% Variable Coml. mortgage 25% Fix \| 75% Variable Coml. construction 20% Fix \| 80% Variable Coml. lease 100% Fix \| 0% Variable 37% 53% 10% 68% 22% 7% 3% • 52% allocation to bullet/locked- out cash flow securities • AFS & HTM spot yield: 3.46% • AFS net unrealized pre-tax loss: $3.1BN $28.7BN fixed \| $94.2BN variable1,2 Commercial loans1,2 Investment portfolioConsumer loans1 Long-term debt3 $44.0BN fixed \| $9.4BN variable1 $12.2BN fixed \| $6.5BN variable3 • 1M based: 56%4,7 • 3M based: 7%4,7 • Prime & O/N based: 13%4,7 • Other based: 1%4,6,7 • Weighted avg. life: 1.7 years1 • 1M based: 1%5,7 • Prime: 15%5 • Other based: 1%5,7,8 • Weighted avg. life: 3.6 years1 • SOFR based: 35% • Weighted avg. life: 4.0 years Includes $3.0BN non-agency CMBS (All super-senior, AAA-rated securities; 59% WA LTV, ~33% WA credit enhancement) 35% 35% 13% 14% 3% 69% 11% 2% 18% The information above incorporates the impact of $6.9BN in C&I receive-fixed swaps, $4.0BN in CRE receive- fixed swaps2, and ~$6.1BN fair value hedges associated with long-term debt (receive-fixed swaps) Auto/indirect 100% Fix \| 0% Variable Resi mtg. & construction 97% Fix \| 3% Variable Home equity 11% Fix \| 89% Variable Other 79% Fix \| 21% Variable Credit card 38% Fix \| 62% Variable Level 1 83% Fix \| 17% Variable Level 2A 99% Fix \| 1% Variable Non-HQLA/ Other 91% Fix \| 9% Variable Senior debt 56% Fix \| 44% Variable Sub debt 61% Fix \| 39% Variable Auto securiz. proceeds 100% Fix \| 0% Variable Other 98% Fix \| 2% Variable

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![](fifththirdbancorppresent033.jpg)© Fifth Third Bancorp \| All Rights Reserved Managing rate risk against conservative outcomes 33 For end note descriptions, see end note summary starting on page 43; 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 65-70% effective up betas and 55-60% 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 March 31, 2026: • 59% of HFI loans were variable rate net of existing hedges (77% of total commercial; 18% of total consumer) • Short-term borrowings represent less than 1% of total funding • Approximately $15.0BN 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 0.6% 2.8% (9.0%) (15.0%) +100 Ramp over 12 months 0.5% 2.0% NA NA -100 Ramp over 12 months (1.3%) (4.3%) NA NA -200 Ramp over 12 months (3.5%) (11.2%) (9.0%) (15.0%) 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 (0.2%) 1.3% 1.5% 4.5% +100 Ramp over 12 months 0.1% 1.2% 0.9% 2.8% -100 Ramp over 12 months (0.9%) (3.6%) (1.7%) (5.0%) -200 Ramp over 12 months (2.8%) (9.9%) (4.2%) (12.6%) 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 0.1% 2.2% 1.1% 3.4% +100 Ramp over 12 months —% 1.5% 0.9% 2.5% -100 Ramp over 12 months (1.6%) (4.6%) (1.0%) (4.0%) -200 Ramp over 12 months (3.7%) (11.3%) (3.2%) (11.0%)

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![](fifththirdbancorppresent034.jpg)© Fifth Third Bancorp \| All Rights Reserved 34 Investment portfolio composition Investment portfolio characteristics Held-to-maturity portfolio • $16.4BN 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 • $49.2BN portfolio • $3.0BN Non-agency CMBS portfolio – All positions are super-senior AAA rated with WA credit enhancement of 33% – Securities are 20% risk-weighted and are pledgeable to the FHLB – Underlying loans in our structures have a WA LTV of ~59% – Credit risk team analyzes transactions at the underlying property- level, similar to what we do for all our CRE loan commitments HTM 25% AFS 75% AFS and HTM portfolio; amortized cost basis; as of 3/31/26 Amortized cost basis; as of 3/31/26 Securities mix Agency CMBS Agency RMBS Non- agency CMBS Treasuries Other Effective duration HTM 53% 34% — 13% — 4.7 AFS 50% 31% 6% 7% 7% 3.6 Total 50% 32% 5% 9% 5% 3.9 Securities portfolio Securities portfolio $66BN ~25% 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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![](fifththirdbancorppresent035.jpg)© Fifth Third Bancorp \| All Rights Reserved 10-year treasury yield ($5.8) ($3.5) ($3.3) ($3.0) ($2.8) ($2.9) 9/30/23 3/31/25 6/30/25 9/30/25 12/31/25 3/31/26 Projected AOCI accretion ($2.5) ($2.1) ($1.7) ($1.4) ($1.1) ($0.7) 12/31/26E 12/31/27E 12/31/28E 12/31/29E 12/31/30E 12/31/31E Securities portfolio AOCI accretion 35 $ in billions; 3/31/26 AFS and HTM portfolio unrealized loss, after-tax ~75% capital accretion ~13% capital accretion Historical AOCI accretion ~50% capital accretion since 3Q23 AOCI accretion1 assuming implied forward curve2 4.3%4.2% 4.2% 4.2% 4.2% For end note descriptions, see end note summary starting on page 43; totals shown above may not foot due to rounding 4.6% ~40% capital accretion

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![](fifththirdbancorppresent036.jpg)© Fifth Third Bancorp \| All Rights Reserved $17.64 $18.69 $22.60 $22.88 $23.30 $23.76 $24.17 3.88% 4.58% 4.20% 4.30% 4.5% 4.7% 4.9% TBV/S AOCI accretion 10-year treasury yield 12/31/2023 12/31/2024 12/31/2025 3/31/2026 12/31/2026 12/31/2027 12/31/2028 Balance sheet positioned to grow tangible book value per share 36 TBV/share1 will improve due to AOCI accretion alone Projected TBV/share growth includes no earnings contribution from 2026-20282 For end note descriptions, see end note summary starting on page 43 Actuals Forecast +6% +21% +1% +2% +2% Projected growth from AOCI burndown alone1 +2%

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![](fifththirdbancorppresent037.jpg)© Fifth Third Bancorp \| All Rights Reserved 3.26% $11 $9 $8 $8 $5 1Q26 1Q31 2Q31 3Q31 4Q31 Cash flow hedges Receive-fixed swaps1 EOP notional value of cash flow hedges ($ in billions) Actual 37 Existing receive-fixed swaps2 Weighted average receive fixed rate 3.29% 3.31% 3.32% 3.44%3 For end note descriptions, see end note summary starting on page 43

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![](fifththirdbancorppresent038.jpg)© Fifth Third Bancorp \| All Rights Reserved $14 $19 $22 $22 $23 $74 $73 $73 $73 $70 $3 $5 $3 $3 ($10) ($34) ($41) ($40) ($42) ($39) $57 $56 $58 $56 $44Origination fees and gains on loan sale Gross servicing fees Net MSR Valuation MSR decay 1Q25 2Q25 3Q25 4Q25 1Q26 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. 38 $1.4 $2.0 $1.9 $2.2 $1.9 $0.9 $1.3 $1.4 $1.6 $1.4 $0.5 $0.7 $0.6 $0.6 $0.5Originations HFI Originations HFS 1Q25 2Q25 3Q25 4Q25 1Q26 Note: Totals shown above may not foot due to rounding Rate lock margin 1.46% 1.23% 1.28% 1.16% 1.30% Gain-on-sale margin 1.31% 1.17% 1.33% 1.17% 1.47% Mortgage banking net revenue $57 $56 $58 $56 $44

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![](fifththirdbancorppresent039.jpg)© Fifth Third Bancorp \| All Rights Reserved Preferred dividend schedule 2Q26 3Q26 4Q26 1Q27 Series H ~$11 ~$11 ~$11 ~$10 Series I ~$9 ~$9 ~$9 ~$9 Series J ~$5 ~$5 ~$5 ~$5 Series K ~$3 ~$3 ~$3 ~$3 Series M3 ~$7 ~$7 ~$7 ~$7 Class B Series A ~$3 ~$3 ~$3 ~$3 Total ~$38 ~$38 ~$38 ~$37 Upcoming preferred dividend schedule1 $ in millions 39 Floating2 Floating2 Floating2 For end note descriptions, see end note summary starting on page 43; totals shown above may not foot due to rounding

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![](fifththirdbancorppresent040.jpg)© Fifth Third Bancorp \| All Rights Reserved 1Q26 reported EPS of $0.15 included a net negative $0.68 impact from the following notable item(s): • $657 million pre-tax (~$510 million after-tax2,3) charge related to merger-related charges • $83 million pre-tax (~$63 million after-tax2) charge related to the merger-related Day 1 ACL build • $8 million pre-tax (~$6 million after-tax2) benefit related to interchange litigation matters 1Q26 adjustments and notable items Adjusted EPS of $0.831 40 For end note descriptions, see end note summary starting on page 43

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![](fifththirdbancorppresent041.jpg)© Fifth Third Bancorp \| All Rights Reserved Fifth Third Bancorp and Subsidiaries For the three months ended $ and shares in millions (unaudited) March December September June March 2026 2025 2025 2025 2025 Net income (U.S. GAAP) (a) $165 $731 $649 $628 $515 Net income (U.S. GAAP) (annualized) (b) $669 $2,900 $2,575 $2,519 $2,089 Net income available to common shareholders (U.S. GAAP) (c) $128 $699 $608 $591 $478 Add: Intangible amortization, net of tax 34 5 5 5 6 Tangible net income available to common shareholders (d) $162 $704 $613 $596 $484 Tangible net income available to common shareholders (annualized) (e) $657 $2,793 $2,432 $2,391 $1,963 Net income available to common shareholders (annualized) (f) $519 $2,773 $2,412 $2,371 $1,939 Average Bancorp shareholders' equity (U.S. GAAP) (g) $30,108 $21,527 $21,216 $20,670 $20,000 Less: Average preferred stock (h) (2,040) (1,770) (2,112) (2,116) (2,116) Average goodwill (8,686) (4,947) (4,937) (4,918) (4,918) Average intangible assets and other servicing rights (841) (72) (77) (79) (86) Average tangible common equity (i) $18,541 $14,738 $14,090 $13,557 $12,880 Less: Average accumulated other comprehensive income ("AOCI") 3,080 3,137 3,520 3,935 4,362 Average tangible common equity, excluding AOCI (j) $21,621 $17,875 $17,610 $17,492 $17,242 Adjustments (pre-tax items) Merger-related charges 657 13 — — — Merger-related Day 1 ACL build 83 — — — — Securities (gains)/losses 12 5 (10) (16) 9 Severance expense — — — 15 — Litigation settlements — (12) — — — FDIC special assessment — (25) (6) — — Fifth Third Foundation contribution — 50 — — — Interchange litigation matters (8) 11 27 1 18 Non-qualified deferred compensation expense/(benefit) (9) (5) 11 16 (4) Adjustments - after-tax1 (k) $569 $31 $16 $12 $18 Adjustments (tax related items) Benefit related to the resolution of certain tax matters — (7) — — — Adjustments (tax related items) (l) — (7) — — — Adjusted net income [(a) + (k)+ (l)] $734 $755 $665 $640 $533 Adjusted net income (annualized) (m) $2,977 $2,995 $2,638 $2,567 $2,162 Adjusted net income available to common shareholders [(c) + (k) + (l)] $697 $723 $624 $603 $496 Adjusted net income available to common shareholders (annualized) (n) $2,827 $2,868 $2,476 $2,419 $2,012 Adjusted tangible net income available to common shareholders [(d) + (k) + (l)] 731 $728 $629 $608 $502 Adjusted tangible net income available to common shareholders (annualized) (o) $2,965 $2,888 $2,495 $2,439 $2,036 Average assets (p) $265,551 $213,021 $211,770 $210,554 $210,558 Metrics: Return on assets (b) / (p) 0.25% 1.36% 1.21% 1.20% 0.99% Adjusted return on assets (m) / (p) 1.12% 1.41% 1.25% 1.22% 1.03% Return on average common equity (f) / [(g) + (h)] 1.8% 14.0% 12.6% 12.8% 10.8% Adjusted return on average common equity (n) / [(g) + (h)] 10.1% 14.5% 13.0% 13.0% 11.3% Return on average tangible common equity (e) / (i) 3.5% 19.0% 17.3% 17.6% 15.2% Adjusted return on average tangible common equity (o) / (i) 16.0% 19.6% 17.7% 18.0% 15.8% Adjusted return on average tangible common equity, excluding AOCI (o) / (j) 13.7% 16.2% 14.2% 13.9% 11.8% 41 Non-GAAP reconciliation For end note descriptions, see end note summary starting on page 43; totals shown above may not foot due to rounding

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![](fifththirdbancorppresent042.jpg)© Fifth Third Bancorp \| All Rights Reserved Non-GAAP reconciliation 42 Fifth Third Bancorp and Subsidiaries For three months ended $ and shares in millions (unaudited) March December September June March 2026 2025 2025 2025 2025 Average interest-earning assets (a) $237,961 $194,144 $193,500 $192,682 $192,808 Net interest income (U.S. GAAP) (b) $1,934 $1,529 $1,520 $1,495 $1,437 Add: Taxable equivalent adjustment 5 4 5 5 5 Net interest income (FTE) (c) $1,939 $1,533 $1,525 $1,500 $1,442 Net interest income (FTE) (annualized) (d) $7,864 $6,082 $6,050 $6,016 $5,848 Noninterest income (U.S. GAAP) (e) $895 $811 $781 $750 $694 Interchange litigation matters (8) 8 18 1 18 Merger-related charges 22 — — — — Litigation settlements — (12) — — — Noninterest income excluding certain item(s) $909 $807 $799 $751 $712 Securities (gains)/losses 12 5 (10) (16) 9 Adjusted noninterest income, excluding certain item(s) and securities (gains)/losses (f) $921 $812 $789 $735 $721 Noninterest expense (U.S. GAAP) (g) $2,395 $1,309 $1,267 $1,264 $1,304 Merger-related charges (635) (13) — — — Interchange litigation matters — (3) (9) — — Severance expense — — — (15) — FDIC Special Assessment — 25 6 — — Fifth Third Foundation contribution — (50) — — — Noninterest expense excluding certain item(s) $1,760 $1,268 $1,264 $1,249 $1,304 Add: Non-qualified deferred compensation (expense)/benefit 9 5 (11) (16) 4 Adjusted noninterest expense, excluding certain item(s) and non-qualified deferred compensation (h) $1,769 $1,273 $1,253 $1,233 $1,308 Metrics: Revenue (FTE) (c) + (e) 2,834 2,344 2,306 2,250 2,136 Adjusted revenue (c) + (f) 2,860 2,345 2,314 2,235 2,163 Pre-provision net revenue [(c) + (e) - (g)] 439 1,035 1,039 986 832 Adjusted pre-provision net revenue [(c) + (f) - (h)] 1,091 1,072 1,061 1,002 855 Net interest margin (FTE) (d) / (a) 3.30% 3.13% 3.13% 3.12% 3.03% Efficiency ratio (FTE) (g) / [(c) + (e)] 84.5% 55.8% 54.9% 56.2% 61.0% Adjusted efficiency ratio (h) / [(c) + (f)] 61.9% 54.3% 54.1% 55.2% 60.5% For end note descriptions, see end note summary starting on page 43; totals shown above may not foot due to rounding

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![](fifththirdbancorppresent043.jpg)© Fifth Third Bancorp \| All Rights Reserved 43 Earnings presentation end notes Slide 4 end notes 1. Reported Tangible Book Value Per Share, ROTCE, NIM, pre-provision net revenue, and efficiency ratio are non-GAAP measures: all adjusted figures are non-GAAP measures; see reconciliation on pages 41 and 42 of this presentation and the use of non-GAAP measures on pages 26-28 of the earnings release. 2. Non-GAAP measure: see reconciliation on pages 41 and 42 of this presentation and use of non-GAAP measures on pages 26-28 of the earnings release. 3. Net losses charged-off as a percent of average portfolio loans and leases presented on an annualized basis. 4. Current period regulatory capital ratios are estimated. Slide 5 end notes 1. Results are on a fully-taxable equivalent basis; non-GAAP measure: see reconciliation on pages 41 and 42 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 41 and 42 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 41 and 42 of this presentation and use of non-GAAP measures on pages 26-28 of the earnings release. Slide 8 end notes 1. Opening balances represent end of period balances acquired from Comerica as of February 1, 2026. Slide 10 end notes 1. Excludes nonaccrual loans HFS. 2. 1Q26 excludes net charge-offs of $21 million which were taken immediately at time of merger 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. 2. Excludes AOCI on cash flow hedges Slide 13 end notes 1. Non-GAAP measure: see reconciliation on pages 41 and 42 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 41 and 42 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. Last-twelve-month (LTM) noninterest income and revenue are presented on a pro forma basis, excluding securities gains/losses, for Fifth Third and Comerica as of March 31, 2026. These results are preliminary and may differ from amounts subsequently reported in the Form 10-Q due to the finalization of purchase accounting or other adjustments. 2. Non-GAAP measure: see reconciliation on pages 41 and 42 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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![](fifththirdbancorppresent044.jpg)© Fifth Third Bancorp \| All Rights Reserved Earnings presentation end notes 44 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. Loans to NDFIs are estimated pending the filing of Fifth Third Bank's Call Report and includes the following captions within Call Report schedule RC-C Part I - mortgage credit intermediaries, business credit intermediaries, private equity funds, consumer credit intermediaries and other loans to non-depository financial institutions 2. Peer data as of 12/31/2025 3. Fifth Third standalone Slide 21 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. 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 & home equity loans, and certain credit loans on book primarily ~15+ years. 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 mortgage 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. 3. FICO distributions at origination exclude certain acquired home equity loans. 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. 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. 3. FICO distributions at origination exclude certain credit loans on book primarily ~15+ years. Slide 29 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 30 end notes 1. 1Q26 commercial and consumer portfolio make up ~$194M and ~$38M, respectively, of the total reserve for unfunded commitment.

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![](fifththirdbancorppresent045.jpg)© Fifth Third Bancorp \| All Rights Reserved 45 Earnings presentation end notes Slide 31 end notes 1. Loan balances exclude nonaccrual loans HFS. Slide 32 end notes Note: Data as of 3/31/2026. 1. Excludes HFS Loans & Leases. 2. Fifth Third had $10.9BN of commercial variable loans classified as fixed given the impacts of $6.9BN in C&I receive-fix swaps and $4.0BN in CRE receive-fix swaps 3. Fifth Third had $6.1BN 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 33 end notes Note: Data as of 3/31/26; 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 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 3/31/2026 portfolio utilizing the implied forward curve as of 3/31/2026 Slide 36 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 3/31/2026 portfolio utilizing the implied forward curve as of 3/31/2026 Slide 37 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 3/31/26 Slide 39 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. Series M Preferred Stock was issued in exchange for Comerica Incorporated's 6.875 Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series B as part of the closing of Comerica's merger with and into Fifth Third on February 1, 2026.. The initial dividend period was January 1, 2026 - April 1, 2026. The initial dividend payment date was April 1, 2026. Future dividend payment dates will be the 1st of January, April, July, and October. Slide 40 end notes 1. Average diluted common shares outstanding (thousands); 830,274; all adjusted figures are non-GAAP measures; see reconciliation on pages 41 and 42 of this presentation and the use of non-GAAP measures on pages 26-28 of the earnings release. 2. Assumes a 24% tax rate. 3. A portion of the adjustments related to merger-related charges are not 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. 1. Assumes a 24% tax rate. Slide 42 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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