# EDGAR Filing Document

**Accession Number:** 0000035527
**File Stem:** 0000035527-25-000200
**Filing Date:** 2025-10
**Character Count:** 219841
**Document Hash:** ba39edf6f970acd47521e2f94cbd040b
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0000035527-25-000200.hdr.sgml**: 20251017

**ACCESSION NUMBER**: 0000035527-25-000200

**CONFORMED SUBMISSION TYPE**: 8-K

**PUBLIC DOCUMENT COUNT**: 60

**CONFORMED PERIOD OF REPORT**: 20251017

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

**ITEM INFORMATION**: Regulation FD Disclosure

**ITEM INFORMATION**: Financial Statements and Exhibits

**FILED AS OF DATE**: 20251017

**DATE AS OF CHANGE**: 20251017

**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:** 251398864

**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-20251017

**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): October 17, 2025**

![53_Logo_horizontal_FullColor.jpg](fitb-20251017_g1.jpg)

**Fifth Third Bancorp**

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

---

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

---

---

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

---

**(800) 972-3030** 

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

**Not Applicable**

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

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

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

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

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

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

---

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

---

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

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

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

------

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

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

The information in this Item 2.02 of Form 8-K and Exhibits attached hereto shall not be deemed filed for purposes of Section 18 of the Securities Exchange Act of 1934, nor shall they be deemed incorporated by reference in any filing under the Securities Exchange Act of 1934 or the Securities Act of 1933, except as shall be expressly set forth by specific reference.

**Item 7.01&nbsp;&nbsp;&nbsp;&nbsp;Regulation FD Disclosure.**

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

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

The information in this Item 7.01 of Form 8-K and Exhibits attached hereto shall not be deemed filed for purposes of Section 18 of the Securities Exchange Act of 1934, nor shall they be deemed incorporated by reference in any filing under the Securities Exchange Act of 1934 or the Securities Act of 1933, except as shall be expressly set forth by specific reference.

**Item 9.01&nbsp;&nbsp;&nbsp;&nbsp;Financial Statements and Exhibits**

<u>[Exhibit 99.1](q32025earningsrelease.htm)</u> – Press release dated October 17, 2025

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

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

------

**SIGNATURES**

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

---

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

---

## Exhibit 99.1

![a53_logoxhorizontalxfullco.jpg](a53_logoxhorizontalxfullco.jpg)

**Fifth Third Bancorp Reports Third Quarter 2025 Diluted Earnings Per Share of $0.91**

*Strong revenue growth and expense discipline drives 4th consecutive quarter of positive operating leverage*

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

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Key Financial Data** | | | | | | | **Key Highlights** |
| *$ in millions for all balance sheet and income statement items* |  |  |  |  |  |  |  |
|  | **3Q25** | **3Q25** | **2Q25** | **2Q25** | **3Q24** | **3Q24** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Stability:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• 3% demand deposit growth year-over-year; Interest-bearing liabilities costs down for the fifth consecutive quarter<br>&nbsp;&nbsp;&nbsp;&nbsp;• Commercial NPAs improved 14% from 2Q25<br>&nbsp;&nbsp;&nbsp;&nbsp;• Tangible book value per share<sup>(a)</sup> grew 7% year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;**Profitability:** <br>&nbsp;&nbsp;&nbsp;&nbsp;• Net interest margin expanded for the 7th consecutive quarter and NII increased 7% year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Strong fee performance driven by 28% growth in capital markets fees and 9% growth in wealth and asset management revenue from 2Q25<br>&nbsp;&nbsp;&nbsp;&nbsp;• Disciplined expense management; efficiency ratio<sup>(a)</sup> of 54.9%; adjusted efficiency ratio<sup>(a)</sup> of 54.1%, an improvement of 180 bps year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;**Growth:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• 6% loan growth compared to 3Q24; annual loan growth accelerated to highest level in over two years<br>&nbsp;&nbsp;&nbsp;&nbsp;• Consumer household growth of 3%, including 7% in the Southeast<br>&nbsp;&nbsp;&nbsp;&nbsp;• Assets under management of $77B, up 12% compared to 3Q24 |
|  |  |  |  |  |  |  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Stability:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• 3% demand deposit growth year-over-year; Interest-bearing liabilities costs down for the fifth consecutive quarter<br>&nbsp;&nbsp;&nbsp;&nbsp;• Commercial NPAs improved 14% from 2Q25<br>&nbsp;&nbsp;&nbsp;&nbsp;• Tangible book value per share<sup>(a)</sup> grew 7% year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;**Profitability:** <br>&nbsp;&nbsp;&nbsp;&nbsp;• Net interest margin expanded for the 7th consecutive quarter and NII increased 7% year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Strong fee performance driven by 28% growth in capital markets fees and 9% growth in wealth and asset management revenue from 2Q25<br>&nbsp;&nbsp;&nbsp;&nbsp;• Disciplined expense management; efficiency ratio<sup>(a)</sup> of 54.9%; adjusted efficiency ratio<sup>(a)</sup> of 54.1%, an improvement of 180 bps year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;**Growth:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• 6% loan growth compared to 3Q24; annual loan growth accelerated to highest level in over two years<br>&nbsp;&nbsp;&nbsp;&nbsp;• Consumer household growth of 3%, including 7% in the Southeast<br>&nbsp;&nbsp;&nbsp;&nbsp;• Assets under management of $77B, up 12% compared to 3Q24 |
| **Income Statement Data** |  |  |  |  |  |  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Stability:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• 3% demand deposit growth year-over-year; Interest-bearing liabilities costs down for the fifth consecutive quarter<br>&nbsp;&nbsp;&nbsp;&nbsp;• Commercial NPAs improved 14% from 2Q25<br>&nbsp;&nbsp;&nbsp;&nbsp;• Tangible book value per share<sup>(a)</sup> grew 7% year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;**Profitability:** <br>&nbsp;&nbsp;&nbsp;&nbsp;• Net interest margin expanded for the 7th consecutive quarter and NII increased 7% year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Strong fee performance driven by 28% growth in capital markets fees and 9% growth in wealth and asset management revenue from 2Q25<br>&nbsp;&nbsp;&nbsp;&nbsp;• Disciplined expense management; efficiency ratio<sup>(a)</sup> of 54.9%; adjusted efficiency ratio<sup>(a)</sup> of 54.1%, an improvement of 180 bps year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;**Growth:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• 6% loan growth compared to 3Q24; annual loan growth accelerated to highest level in over two years<br>&nbsp;&nbsp;&nbsp;&nbsp;• Consumer household growth of 3%, including 7% in the Southeast<br>&nbsp;&nbsp;&nbsp;&nbsp;• Assets under management of $77B, up 12% compared to 3Q24 |
| Net income available to common shareholders | $608 |  | $591 |  | $532 |  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Stability:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• 3% demand deposit growth year-over-year; Interest-bearing liabilities costs down for the fifth consecutive quarter<br>&nbsp;&nbsp;&nbsp;&nbsp;• Commercial NPAs improved 14% from 2Q25<br>&nbsp;&nbsp;&nbsp;&nbsp;• Tangible book value per share<sup>(a)</sup> grew 7% year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;**Profitability:** <br>&nbsp;&nbsp;&nbsp;&nbsp;• Net interest margin expanded for the 7th consecutive quarter and NII increased 7% year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Strong fee performance driven by 28% growth in capital markets fees and 9% growth in wealth and asset management revenue from 2Q25<br>&nbsp;&nbsp;&nbsp;&nbsp;• Disciplined expense management; efficiency ratio<sup>(a)</sup> of 54.9%; adjusted efficiency ratio<sup>(a)</sup> of 54.1%, an improvement of 180 bps year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;**Growth:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• 6% loan growth compared to 3Q24; annual loan growth accelerated to highest level in over two years<br>&nbsp;&nbsp;&nbsp;&nbsp;• Consumer household growth of 3%, including 7% in the Southeast<br>&nbsp;&nbsp;&nbsp;&nbsp;• Assets under management of $77B, up 12% compared to 3Q24 |
| Net interest income (U.S. GAAP) | 1520 |  | 1495 |  | 1421 |  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Stability:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• 3% demand deposit growth year-over-year; Interest-bearing liabilities costs down for the fifth consecutive quarter<br>&nbsp;&nbsp;&nbsp;&nbsp;• Commercial NPAs improved 14% from 2Q25<br>&nbsp;&nbsp;&nbsp;&nbsp;• Tangible book value per share<sup>(a)</sup> grew 7% year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;**Profitability:** <br>&nbsp;&nbsp;&nbsp;&nbsp;• Net interest margin expanded for the 7th consecutive quarter and NII increased 7% year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Strong fee performance driven by 28% growth in capital markets fees and 9% growth in wealth and asset management revenue from 2Q25<br>&nbsp;&nbsp;&nbsp;&nbsp;• Disciplined expense management; efficiency ratio<sup>(a)</sup> of 54.9%; adjusted efficiency ratio<sup>(a)</sup> of 54.1%, an improvement of 180 bps year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;**Growth:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• 6% loan growth compared to 3Q24; annual loan growth accelerated to highest level in over two years<br>&nbsp;&nbsp;&nbsp;&nbsp;• Consumer household growth of 3%, including 7% in the Southeast<br>&nbsp;&nbsp;&nbsp;&nbsp;• Assets under management of $77B, up 12% compared to 3Q24 |
| Net interest income (FTE)<sup>(a)</sup> | 1525 |  | 1500 |  | 1427 |  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Stability:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• 3% demand deposit growth year-over-year; Interest-bearing liabilities costs down for the fifth consecutive quarter<br>&nbsp;&nbsp;&nbsp;&nbsp;• Commercial NPAs improved 14% from 2Q25<br>&nbsp;&nbsp;&nbsp;&nbsp;• Tangible book value per share<sup>(a)</sup> grew 7% year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;**Profitability:** <br>&nbsp;&nbsp;&nbsp;&nbsp;• Net interest margin expanded for the 7th consecutive quarter and NII increased 7% year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Strong fee performance driven by 28% growth in capital markets fees and 9% growth in wealth and asset management revenue from 2Q25<br>&nbsp;&nbsp;&nbsp;&nbsp;• Disciplined expense management; efficiency ratio<sup>(a)</sup> of 54.9%; adjusted efficiency ratio<sup>(a)</sup> of 54.1%, an improvement of 180 bps year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;**Growth:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• 6% loan growth compared to 3Q24; annual loan growth accelerated to highest level in over two years<br>&nbsp;&nbsp;&nbsp;&nbsp;• Consumer household growth of 3%, including 7% in the Southeast<br>&nbsp;&nbsp;&nbsp;&nbsp;• Assets under management of $77B, up 12% compared to 3Q24 |
| Noninterest income | 781 |  | 750 |  | 711 |  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Stability:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• 3% demand deposit growth year-over-year; Interest-bearing liabilities costs down for the fifth consecutive quarter<br>&nbsp;&nbsp;&nbsp;&nbsp;• Commercial NPAs improved 14% from 2Q25<br>&nbsp;&nbsp;&nbsp;&nbsp;• Tangible book value per share<sup>(a)</sup> grew 7% year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;**Profitability:** <br>&nbsp;&nbsp;&nbsp;&nbsp;• Net interest margin expanded for the 7th consecutive quarter and NII increased 7% year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Strong fee performance driven by 28% growth in capital markets fees and 9% growth in wealth and asset management revenue from 2Q25<br>&nbsp;&nbsp;&nbsp;&nbsp;• Disciplined expense management; efficiency ratio<sup>(a)</sup> of 54.9%; adjusted efficiency ratio<sup>(a)</sup> of 54.1%, an improvement of 180 bps year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;**Growth:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• 6% loan growth compared to 3Q24; annual loan growth accelerated to highest level in over two years<br>&nbsp;&nbsp;&nbsp;&nbsp;• Consumer household growth of 3%, including 7% in the Southeast<br>&nbsp;&nbsp;&nbsp;&nbsp;• Assets under management of $77B, up 12% compared to 3Q24 |
| Noninterest expense | 1267 |  | 1264 |  | 1244 |  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Stability:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• 3% demand deposit growth year-over-year; Interest-bearing liabilities costs down for the fifth consecutive quarter<br>&nbsp;&nbsp;&nbsp;&nbsp;• Commercial NPAs improved 14% from 2Q25<br>&nbsp;&nbsp;&nbsp;&nbsp;• Tangible book value per share<sup>(a)</sup> grew 7% year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;**Profitability:** <br>&nbsp;&nbsp;&nbsp;&nbsp;• Net interest margin expanded for the 7th consecutive quarter and NII increased 7% year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Strong fee performance driven by 28% growth in capital markets fees and 9% growth in wealth and asset management revenue from 2Q25<br>&nbsp;&nbsp;&nbsp;&nbsp;• Disciplined expense management; efficiency ratio<sup>(a)</sup> of 54.9%; adjusted efficiency ratio<sup>(a)</sup> of 54.1%, an improvement of 180 bps year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;**Growth:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• 6% loan growth compared to 3Q24; annual loan growth accelerated to highest level in over two years<br>&nbsp;&nbsp;&nbsp;&nbsp;• Consumer household growth of 3%, including 7% in the Southeast<br>&nbsp;&nbsp;&nbsp;&nbsp;• Assets under management of $77B, up 12% compared to 3Q24 |
|  |  |  |  |  |  |  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Stability:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• 3% demand deposit growth year-over-year; Interest-bearing liabilities costs down for the fifth consecutive quarter<br>&nbsp;&nbsp;&nbsp;&nbsp;• Commercial NPAs improved 14% from 2Q25<br>&nbsp;&nbsp;&nbsp;&nbsp;• Tangible book value per share<sup>(a)</sup> grew 7% year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;**Profitability:** <br>&nbsp;&nbsp;&nbsp;&nbsp;• Net interest margin expanded for the 7th consecutive quarter and NII increased 7% year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Strong fee performance driven by 28% growth in capital markets fees and 9% growth in wealth and asset management revenue from 2Q25<br>&nbsp;&nbsp;&nbsp;&nbsp;• Disciplined expense management; efficiency ratio<sup>(a)</sup> of 54.9%; adjusted efficiency ratio<sup>(a)</sup> of 54.1%, an improvement of 180 bps year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;**Growth:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• 6% loan growth compared to 3Q24; annual loan growth accelerated to highest level in over two years<br>&nbsp;&nbsp;&nbsp;&nbsp;• Consumer household growth of 3%, including 7% in the Southeast<br>&nbsp;&nbsp;&nbsp;&nbsp;• Assets under management of $77B, up 12% compared to 3Q24 |
| **Per Share Data** |  |  |  |  |  |  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Stability:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• 3% demand deposit growth year-over-year; Interest-bearing liabilities costs down for the fifth consecutive quarter<br>&nbsp;&nbsp;&nbsp;&nbsp;• Commercial NPAs improved 14% from 2Q25<br>&nbsp;&nbsp;&nbsp;&nbsp;• Tangible book value per share<sup>(a)</sup> grew 7% year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;**Profitability:** <br>&nbsp;&nbsp;&nbsp;&nbsp;• Net interest margin expanded for the 7th consecutive quarter and NII increased 7% year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Strong fee performance driven by 28% growth in capital markets fees and 9% growth in wealth and asset management revenue from 2Q25<br>&nbsp;&nbsp;&nbsp;&nbsp;• Disciplined expense management; efficiency ratio<sup>(a)</sup> of 54.9%; adjusted efficiency ratio<sup>(a)</sup> of 54.1%, an improvement of 180 bps year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;**Growth:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• 6% loan growth compared to 3Q24; annual loan growth accelerated to highest level in over two years<br>&nbsp;&nbsp;&nbsp;&nbsp;• Consumer household growth of 3%, including 7% in the Southeast<br>&nbsp;&nbsp;&nbsp;&nbsp;• Assets under management of $77B, up 12% compared to 3Q24 |
| Earnings per share, basic | $0.91 |  | $0.88 |  | $0.78 |  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Stability:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• 3% demand deposit growth year-over-year; Interest-bearing liabilities costs down for the fifth consecutive quarter<br>&nbsp;&nbsp;&nbsp;&nbsp;• Commercial NPAs improved 14% from 2Q25<br>&nbsp;&nbsp;&nbsp;&nbsp;• Tangible book value per share<sup>(a)</sup> grew 7% year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;**Profitability:** <br>&nbsp;&nbsp;&nbsp;&nbsp;• Net interest margin expanded for the 7th consecutive quarter and NII increased 7% year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Strong fee performance driven by 28% growth in capital markets fees and 9% growth in wealth and asset management revenue from 2Q25<br>&nbsp;&nbsp;&nbsp;&nbsp;• Disciplined expense management; efficiency ratio<sup>(a)</sup> of 54.9%; adjusted efficiency ratio<sup>(a)</sup> of 54.1%, an improvement of 180 bps year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;**Growth:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• 6% loan growth compared to 3Q24; annual loan growth accelerated to highest level in over two years<br>&nbsp;&nbsp;&nbsp;&nbsp;• Consumer household growth of 3%, including 7% in the Southeast<br>&nbsp;&nbsp;&nbsp;&nbsp;• Assets under management of $77B, up 12% compared to 3Q24 |
| Earnings per share, diluted | 0.91 |  | 0.88 |  | 0.78 |  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Stability:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• 3% demand deposit growth year-over-year; Interest-bearing liabilities costs down for the fifth consecutive quarter<br>&nbsp;&nbsp;&nbsp;&nbsp;• Commercial NPAs improved 14% from 2Q25<br>&nbsp;&nbsp;&nbsp;&nbsp;• Tangible book value per share<sup>(a)</sup> grew 7% year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;**Profitability:** <br>&nbsp;&nbsp;&nbsp;&nbsp;• Net interest margin expanded for the 7th consecutive quarter and NII increased 7% year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Strong fee performance driven by 28% growth in capital markets fees and 9% growth in wealth and asset management revenue from 2Q25<br>&nbsp;&nbsp;&nbsp;&nbsp;• Disciplined expense management; efficiency ratio<sup>(a)</sup> of 54.9%; adjusted efficiency ratio<sup>(a)</sup> of 54.1%, an improvement of 180 bps year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;**Growth:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• 6% loan growth compared to 3Q24; annual loan growth accelerated to highest level in over two years<br>&nbsp;&nbsp;&nbsp;&nbsp;• Consumer household growth of 3%, including 7% in the Southeast<br>&nbsp;&nbsp;&nbsp;&nbsp;• Assets under management of $77B, up 12% compared to 3Q24 |
| Book value per share | 29.26 |  | 28.47 |  | 27.60 |  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Stability:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• 3% demand deposit growth year-over-year; Interest-bearing liabilities costs down for the fifth consecutive quarter<br>&nbsp;&nbsp;&nbsp;&nbsp;• Commercial NPAs improved 14% from 2Q25<br>&nbsp;&nbsp;&nbsp;&nbsp;• Tangible book value per share<sup>(a)</sup> grew 7% year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;**Profitability:** <br>&nbsp;&nbsp;&nbsp;&nbsp;• Net interest margin expanded for the 7th consecutive quarter and NII increased 7% year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Strong fee performance driven by 28% growth in capital markets fees and 9% growth in wealth and asset management revenue from 2Q25<br>&nbsp;&nbsp;&nbsp;&nbsp;• Disciplined expense management; efficiency ratio<sup>(a)</sup> of 54.9%; adjusted efficiency ratio<sup>(a)</sup> of 54.1%, an improvement of 180 bps year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;**Growth:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• 6% loan growth compared to 3Q24; annual loan growth accelerated to highest level in over two years<br>&nbsp;&nbsp;&nbsp;&nbsp;• Consumer household growth of 3%, including 7% in the Southeast<br>&nbsp;&nbsp;&nbsp;&nbsp;• Assets under management of $77B, up 12% compared to 3Q24 |
| Tangible book value per share<sup>(a)</sup> | 21.66 |  | 20.98 |  | 20.20 |  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Stability:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• 3% demand deposit growth year-over-year; Interest-bearing liabilities costs down for the fifth consecutive quarter<br>&nbsp;&nbsp;&nbsp;&nbsp;• Commercial NPAs improved 14% from 2Q25<br>&nbsp;&nbsp;&nbsp;&nbsp;• Tangible book value per share<sup>(a)</sup> grew 7% year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;**Profitability:** <br>&nbsp;&nbsp;&nbsp;&nbsp;• Net interest margin expanded for the 7th consecutive quarter and NII increased 7% year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Strong fee performance driven by 28% growth in capital markets fees and 9% growth in wealth and asset management revenue from 2Q25<br>&nbsp;&nbsp;&nbsp;&nbsp;• Disciplined expense management; efficiency ratio<sup>(a)</sup> of 54.9%; adjusted efficiency ratio<sup>(a)</sup> of 54.1%, an improvement of 180 bps year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;**Growth:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• 6% loan growth compared to 3Q24; annual loan growth accelerated to highest level in over two years<br>&nbsp;&nbsp;&nbsp;&nbsp;• Consumer household growth of 3%, including 7% in the Southeast<br>&nbsp;&nbsp;&nbsp;&nbsp;• Assets under management of $77B, up 12% compared to 3Q24 |
|  |  |  |  |  |  |  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Stability:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• 3% demand deposit growth year-over-year; Interest-bearing liabilities costs down for the fifth consecutive quarter<br>&nbsp;&nbsp;&nbsp;&nbsp;• Commercial NPAs improved 14% from 2Q25<br>&nbsp;&nbsp;&nbsp;&nbsp;• Tangible book value per share<sup>(a)</sup> grew 7% year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;**Profitability:** <br>&nbsp;&nbsp;&nbsp;&nbsp;• Net interest margin expanded for the 7th consecutive quarter and NII increased 7% year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Strong fee performance driven by 28% growth in capital markets fees and 9% growth in wealth and asset management revenue from 2Q25<br>&nbsp;&nbsp;&nbsp;&nbsp;• Disciplined expense management; efficiency ratio<sup>(a)</sup> of 54.9%; adjusted efficiency ratio<sup>(a)</sup> of 54.1%, an improvement of 180 bps year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;**Growth:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• 6% loan growth compared to 3Q24; annual loan growth accelerated to highest level in over two years<br>&nbsp;&nbsp;&nbsp;&nbsp;• Consumer household growth of 3%, including 7% in the Southeast<br>&nbsp;&nbsp;&nbsp;&nbsp;• Assets under management of $77B, up 12% compared to 3Q24 |
| **Balance Sheet & Credit Quality** |  |  |  |  |  |  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Stability:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• 3% demand deposit growth year-over-year; Interest-bearing liabilities costs down for the fifth consecutive quarter<br>&nbsp;&nbsp;&nbsp;&nbsp;• Commercial NPAs improved 14% from 2Q25<br>&nbsp;&nbsp;&nbsp;&nbsp;• Tangible book value per share<sup>(a)</sup> grew 7% year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;**Profitability:** <br>&nbsp;&nbsp;&nbsp;&nbsp;• Net interest margin expanded for the 7th consecutive quarter and NII increased 7% year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Strong fee performance driven by 28% growth in capital markets fees and 9% growth in wealth and asset management revenue from 2Q25<br>&nbsp;&nbsp;&nbsp;&nbsp;• Disciplined expense management; efficiency ratio<sup>(a)</sup> of 54.9%; adjusted efficiency ratio<sup>(a)</sup> of 54.1%, an improvement of 180 bps year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;**Growth:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• 6% loan growth compared to 3Q24; annual loan growth accelerated to highest level in over two years<br>&nbsp;&nbsp;&nbsp;&nbsp;• Consumer household growth of 3%, including 7% in the Southeast<br>&nbsp;&nbsp;&nbsp;&nbsp;• Assets under management of $77B, up 12% compared to 3Q24 |
| Average portfolio loans and leases | $123326 |  | $123071 |  | $116826 |  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Stability:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• 3% demand deposit growth year-over-year; Interest-bearing liabilities costs down for the fifth consecutive quarter<br>&nbsp;&nbsp;&nbsp;&nbsp;• Commercial NPAs improved 14% from 2Q25<br>&nbsp;&nbsp;&nbsp;&nbsp;• Tangible book value per share<sup>(a)</sup> grew 7% year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;**Profitability:** <br>&nbsp;&nbsp;&nbsp;&nbsp;• Net interest margin expanded for the 7th consecutive quarter and NII increased 7% year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Strong fee performance driven by 28% growth in capital markets fees and 9% growth in wealth and asset management revenue from 2Q25<br>&nbsp;&nbsp;&nbsp;&nbsp;• Disciplined expense management; efficiency ratio<sup>(a)</sup> of 54.9%; adjusted efficiency ratio<sup>(a)</sup> of 54.1%, an improvement of 180 bps year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;**Growth:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• 6% loan growth compared to 3Q24; annual loan growth accelerated to highest level in over two years<br>&nbsp;&nbsp;&nbsp;&nbsp;• Consumer household growth of 3%, including 7% in the Southeast<br>&nbsp;&nbsp;&nbsp;&nbsp;• Assets under management of $77B, up 12% compared to 3Q24 |
| Average deposits | 164754 |  | 163575 |  | 167196 |  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Stability:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• 3% demand deposit growth year-over-year; Interest-bearing liabilities costs down for the fifth consecutive quarter<br>&nbsp;&nbsp;&nbsp;&nbsp;• Commercial NPAs improved 14% from 2Q25<br>&nbsp;&nbsp;&nbsp;&nbsp;• Tangible book value per share<sup>(a)</sup> grew 7% year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;**Profitability:** <br>&nbsp;&nbsp;&nbsp;&nbsp;• Net interest margin expanded for the 7th consecutive quarter and NII increased 7% year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Strong fee performance driven by 28% growth in capital markets fees and 9% growth in wealth and asset management revenue from 2Q25<br>&nbsp;&nbsp;&nbsp;&nbsp;• Disciplined expense management; efficiency ratio<sup>(a)</sup> of 54.9%; adjusted efficiency ratio<sup>(a)</sup> of 54.1%, an improvement of 180 bps year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;**Growth:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• 6% loan growth compared to 3Q24; annual loan growth accelerated to highest level in over two years<br>&nbsp;&nbsp;&nbsp;&nbsp;• Consumer household growth of 3%, including 7% in the Southeast<br>&nbsp;&nbsp;&nbsp;&nbsp;• Assets under management of $77B, up 12% compared to 3Q24 |
| Accumulated other comprehensive loss | (3276) |  | (3546) |  | (3446) |  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Stability:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• 3% demand deposit growth year-over-year; Interest-bearing liabilities costs down for the fifth consecutive quarter<br>&nbsp;&nbsp;&nbsp;&nbsp;• Commercial NPAs improved 14% from 2Q25<br>&nbsp;&nbsp;&nbsp;&nbsp;• Tangible book value per share<sup>(a)</sup> grew 7% year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;**Profitability:** <br>&nbsp;&nbsp;&nbsp;&nbsp;• Net interest margin expanded for the 7th consecutive quarter and NII increased 7% year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Strong fee performance driven by 28% growth in capital markets fees and 9% growth in wealth and asset management revenue from 2Q25<br>&nbsp;&nbsp;&nbsp;&nbsp;• Disciplined expense management; efficiency ratio<sup>(a)</sup> of 54.9%; adjusted efficiency ratio<sup>(a)</sup> of 54.1%, an improvement of 180 bps year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;**Growth:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• 6% loan growth compared to 3Q24; annual loan growth accelerated to highest level in over two years<br>&nbsp;&nbsp;&nbsp;&nbsp;• Consumer household growth of 3%, including 7% in the Southeast<br>&nbsp;&nbsp;&nbsp;&nbsp;• Assets under management of $77B, up 12% compared to 3Q24 |
| Net charge-off ratio<sup>(b)</sup> | 1.09 | % | 0.45 | % | 0.48 | % | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Stability:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• 3% demand deposit growth year-over-year; Interest-bearing liabilities costs down for the fifth consecutive quarter<br>&nbsp;&nbsp;&nbsp;&nbsp;• Commercial NPAs improved 14% from 2Q25<br>&nbsp;&nbsp;&nbsp;&nbsp;• Tangible book value per share<sup>(a)</sup> grew 7% year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;**Profitability:** <br>&nbsp;&nbsp;&nbsp;&nbsp;• Net interest margin expanded for the 7th consecutive quarter and NII increased 7% year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Strong fee performance driven by 28% growth in capital markets fees and 9% growth in wealth and asset management revenue from 2Q25<br>&nbsp;&nbsp;&nbsp;&nbsp;• Disciplined expense management; efficiency ratio<sup>(a)</sup> of 54.9%; adjusted efficiency ratio<sup>(a)</sup> of 54.1%, an improvement of 180 bps year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;**Growth:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• 6% loan growth compared to 3Q24; annual loan growth accelerated to highest level in over two years<br>&nbsp;&nbsp;&nbsp;&nbsp;• Consumer household growth of 3%, including 7% in the Southeast<br>&nbsp;&nbsp;&nbsp;&nbsp;• Assets under management of $77B, up 12% compared to 3Q24 |
| Nonperforming asset ratio<sup>(c)</sup> | 0.65 |  | 0.72 |  | 0.62 |  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Stability:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• 3% demand deposit growth year-over-year; Interest-bearing liabilities costs down for the fifth consecutive quarter<br>&nbsp;&nbsp;&nbsp;&nbsp;• Commercial NPAs improved 14% from 2Q25<br>&nbsp;&nbsp;&nbsp;&nbsp;• Tangible book value per share<sup>(a)</sup> grew 7% year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;**Profitability:** <br>&nbsp;&nbsp;&nbsp;&nbsp;• Net interest margin expanded for the 7th consecutive quarter and NII increased 7% year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Strong fee performance driven by 28% growth in capital markets fees and 9% growth in wealth and asset management revenue from 2Q25<br>&nbsp;&nbsp;&nbsp;&nbsp;• Disciplined expense management; efficiency ratio<sup>(a)</sup> of 54.9%; adjusted efficiency ratio<sup>(a)</sup> of 54.1%, an improvement of 180 bps year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;**Growth:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• 6% loan growth compared to 3Q24; annual loan growth accelerated to highest level in over two years<br>&nbsp;&nbsp;&nbsp;&nbsp;• Consumer household growth of 3%, including 7% in the Southeast<br>&nbsp;&nbsp;&nbsp;&nbsp;• Assets under management of $77B, up 12% compared to 3Q24 |
|  |  |  |  |  |  |  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Stability:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• 3% demand deposit growth year-over-year; Interest-bearing liabilities costs down for the fifth consecutive quarter<br>&nbsp;&nbsp;&nbsp;&nbsp;• Commercial NPAs improved 14% from 2Q25<br>&nbsp;&nbsp;&nbsp;&nbsp;• Tangible book value per share<sup>(a)</sup> grew 7% year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;**Profitability:** <br>&nbsp;&nbsp;&nbsp;&nbsp;• Net interest margin expanded for the 7th consecutive quarter and NII increased 7% year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Strong fee performance driven by 28% growth in capital markets fees and 9% growth in wealth and asset management revenue from 2Q25<br>&nbsp;&nbsp;&nbsp;&nbsp;• Disciplined expense management; efficiency ratio<sup>(a)</sup> of 54.9%; adjusted efficiency ratio<sup>(a)</sup> of 54.1%, an improvement of 180 bps year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;**Growth:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• 6% loan growth compared to 3Q24; annual loan growth accelerated to highest level in over two years<br>&nbsp;&nbsp;&nbsp;&nbsp;• Consumer household growth of 3%, including 7% in the Southeast<br>&nbsp;&nbsp;&nbsp;&nbsp;• Assets under management of $77B, up 12% compared to 3Q24 |
| **Financial Ratios** |  |  |  |  |  |  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Stability:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• 3% demand deposit growth year-over-year; Interest-bearing liabilities costs down for the fifth consecutive quarter<br>&nbsp;&nbsp;&nbsp;&nbsp;• Commercial NPAs improved 14% from 2Q25<br>&nbsp;&nbsp;&nbsp;&nbsp;• Tangible book value per share<sup>(a)</sup> grew 7% year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;**Profitability:** <br>&nbsp;&nbsp;&nbsp;&nbsp;• Net interest margin expanded for the 7th consecutive quarter and NII increased 7% year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Strong fee performance driven by 28% growth in capital markets fees and 9% growth in wealth and asset management revenue from 2Q25<br>&nbsp;&nbsp;&nbsp;&nbsp;• Disciplined expense management; efficiency ratio<sup>(a)</sup> of 54.9%; adjusted efficiency ratio<sup>(a)</sup> of 54.1%, an improvement of 180 bps year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;**Growth:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• 6% loan growth compared to 3Q24; annual loan growth accelerated to highest level in over two years<br>&nbsp;&nbsp;&nbsp;&nbsp;• Consumer household growth of 3%, including 7% in the Southeast<br>&nbsp;&nbsp;&nbsp;&nbsp;• Assets under management of $77B, up 12% compared to 3Q24 |
| Return on average assets | 1.21 | % | 1.20 | % | 1.06 | % | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Stability:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• 3% demand deposit growth year-over-year; Interest-bearing liabilities costs down for the fifth consecutive quarter<br>&nbsp;&nbsp;&nbsp;&nbsp;• Commercial NPAs improved 14% from 2Q25<br>&nbsp;&nbsp;&nbsp;&nbsp;• Tangible book value per share<sup>(a)</sup> grew 7% year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;**Profitability:** <br>&nbsp;&nbsp;&nbsp;&nbsp;• Net interest margin expanded for the 7th consecutive quarter and NII increased 7% year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Strong fee performance driven by 28% growth in capital markets fees and 9% growth in wealth and asset management revenue from 2Q25<br>&nbsp;&nbsp;&nbsp;&nbsp;• Disciplined expense management; efficiency ratio<sup>(a)</sup> of 54.9%; adjusted efficiency ratio<sup>(a)</sup> of 54.1%, an improvement of 180 bps year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;**Growth:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• 6% loan growth compared to 3Q24; annual loan growth accelerated to highest level in over two years<br>&nbsp;&nbsp;&nbsp;&nbsp;• Consumer household growth of 3%, including 7% in the Southeast<br>&nbsp;&nbsp;&nbsp;&nbsp;• Assets under management of $77B, up 12% compared to 3Q24 |
| Return on average common equity | 12.6 |  | 12.8 |  | 11.7 |  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Stability:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• 3% demand deposit growth year-over-year; Interest-bearing liabilities costs down for the fifth consecutive quarter<br>&nbsp;&nbsp;&nbsp;&nbsp;• Commercial NPAs improved 14% from 2Q25<br>&nbsp;&nbsp;&nbsp;&nbsp;• Tangible book value per share<sup>(a)</sup> grew 7% year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;**Profitability:** <br>&nbsp;&nbsp;&nbsp;&nbsp;• Net interest margin expanded for the 7th consecutive quarter and NII increased 7% year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Strong fee performance driven by 28% growth in capital markets fees and 9% growth in wealth and asset management revenue from 2Q25<br>&nbsp;&nbsp;&nbsp;&nbsp;• Disciplined expense management; efficiency ratio<sup>(a)</sup> of 54.9%; adjusted efficiency ratio<sup>(a)</sup> of 54.1%, an improvement of 180 bps year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;**Growth:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• 6% loan growth compared to 3Q24; annual loan growth accelerated to highest level in over two years<br>&nbsp;&nbsp;&nbsp;&nbsp;• Consumer household growth of 3%, including 7% in the Southeast<br>&nbsp;&nbsp;&nbsp;&nbsp;• Assets under management of $77B, up 12% compared to 3Q24 |
| Return on average tangible common equity<sup>(a)</sup> | 17.3 |  | 17.6 |  | 16.3 |  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Stability:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• 3% demand deposit growth year-over-year; Interest-bearing liabilities costs down for the fifth consecutive quarter<br>&nbsp;&nbsp;&nbsp;&nbsp;• Commercial NPAs improved 14% from 2Q25<br>&nbsp;&nbsp;&nbsp;&nbsp;• Tangible book value per share<sup>(a)</sup> grew 7% year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;**Profitability:** <br>&nbsp;&nbsp;&nbsp;&nbsp;• Net interest margin expanded for the 7th consecutive quarter and NII increased 7% year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Strong fee performance driven by 28% growth in capital markets fees and 9% growth in wealth and asset management revenue from 2Q25<br>&nbsp;&nbsp;&nbsp;&nbsp;• Disciplined expense management; efficiency ratio<sup>(a)</sup> of 54.9%; adjusted efficiency ratio<sup>(a)</sup> of 54.1%, an improvement of 180 bps year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;**Growth:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• 6% loan growth compared to 3Q24; annual loan growth accelerated to highest level in over two years<br>&nbsp;&nbsp;&nbsp;&nbsp;• Consumer household growth of 3%, including 7% in the Southeast<br>&nbsp;&nbsp;&nbsp;&nbsp;• Assets under management of $77B, up 12% compared to 3Q24 |
| CET1 capital<sup>(d)(e)</sup> | 10.54 |  | 10.58 |  | 10.75 |  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Stability:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• 3% demand deposit growth year-over-year; Interest-bearing liabilities costs down for the fifth consecutive quarter<br>&nbsp;&nbsp;&nbsp;&nbsp;• Commercial NPAs improved 14% from 2Q25<br>&nbsp;&nbsp;&nbsp;&nbsp;• Tangible book value per share<sup>(a)</sup> grew 7% year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;**Profitability:** <br>&nbsp;&nbsp;&nbsp;&nbsp;• Net interest margin expanded for the 7th consecutive quarter and NII increased 7% year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Strong fee performance driven by 28% growth in capital markets fees and 9% growth in wealth and asset management revenue from 2Q25<br>&nbsp;&nbsp;&nbsp;&nbsp;• Disciplined expense management; efficiency ratio<sup>(a)</sup> of 54.9%; adjusted efficiency ratio<sup>(a)</sup> of 54.1%, an improvement of 180 bps year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;**Growth:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• 6% loan growth compared to 3Q24; annual loan growth accelerated to highest level in over two years<br>&nbsp;&nbsp;&nbsp;&nbsp;• Consumer household growth of 3%, including 7% in the Southeast<br>&nbsp;&nbsp;&nbsp;&nbsp;• Assets under management of $77B, up 12% compared to 3Q24 |
| Net interest margin<sup>(a)</sup> | 3.13 |  | 3.12 |  | 2.90 |  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Stability:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• 3% demand deposit growth year-over-year; Interest-bearing liabilities costs down for the fifth consecutive quarter<br>&nbsp;&nbsp;&nbsp;&nbsp;• Commercial NPAs improved 14% from 2Q25<br>&nbsp;&nbsp;&nbsp;&nbsp;• Tangible book value per share<sup>(a)</sup> grew 7% year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;**Profitability:** <br>&nbsp;&nbsp;&nbsp;&nbsp;• Net interest margin expanded for the 7th consecutive quarter and NII increased 7% year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Strong fee performance driven by 28% growth in capital markets fees and 9% growth in wealth and asset management revenue from 2Q25<br>&nbsp;&nbsp;&nbsp;&nbsp;• Disciplined expense management; efficiency ratio<sup>(a)</sup> of 54.9%; adjusted efficiency ratio<sup>(a)</sup> of 54.1%, an improvement of 180 bps year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;**Growth:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• 6% loan growth compared to 3Q24; annual loan growth accelerated to highest level in over two years<br>&nbsp;&nbsp;&nbsp;&nbsp;• Consumer household growth of 3%, including 7% in the Southeast<br>&nbsp;&nbsp;&nbsp;&nbsp;• Assets under management of $77B, up 12% compared to 3Q24 |
| Efficiency<sup>(a)</sup> | 54.9 |  | 56.2 |  | 58.2 |  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Stability:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• 3% demand deposit growth year-over-year; Interest-bearing liabilities costs down for the fifth consecutive quarter<br>&nbsp;&nbsp;&nbsp;&nbsp;• Commercial NPAs improved 14% from 2Q25<br>&nbsp;&nbsp;&nbsp;&nbsp;• Tangible book value per share<sup>(a)</sup> grew 7% year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;**Profitability:** <br>&nbsp;&nbsp;&nbsp;&nbsp;• Net interest margin expanded for the 7th consecutive quarter and NII increased 7% year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Strong fee performance driven by 28% growth in capital markets fees and 9% growth in wealth and asset management revenue from 2Q25<br>&nbsp;&nbsp;&nbsp;&nbsp;• Disciplined expense management; efficiency ratio<sup>(a)</sup> of 54.9%; adjusted efficiency ratio<sup>(a)</sup> of 54.1%, an improvement of 180 bps year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;**Growth:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• 6% loan growth compared to 3Q24; annual loan growth accelerated to highest level in over two years<br>&nbsp;&nbsp;&nbsp;&nbsp;• Consumer household growth of 3%, including 7% in the Southeast<br>&nbsp;&nbsp;&nbsp;&nbsp;• Assets under management of $77B, up 12% compared to 3Q24 |
| *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; **Stability:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• 3% demand deposit growth year-over-year; Interest-bearing liabilities costs down for the fifth consecutive quarter<br>&nbsp;&nbsp;&nbsp;&nbsp;• Commercial NPAs improved 14% from 2Q25<br>&nbsp;&nbsp;&nbsp;&nbsp;• Tangible book value per share<sup>(a)</sup> grew 7% year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;**Profitability:** <br>&nbsp;&nbsp;&nbsp;&nbsp;• Net interest margin expanded for the 7th consecutive quarter and NII increased 7% year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Strong fee performance driven by 28% growth in capital markets fees and 9% growth in wealth and asset management revenue from 2Q25<br>&nbsp;&nbsp;&nbsp;&nbsp;• Disciplined expense management; efficiency ratio<sup>(a)</sup> of 54.9%; adjusted efficiency ratio<sup>(a)</sup> of 54.1%, an improvement of 180 bps year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;**Growth:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• 6% loan growth compared to 3Q24; annual loan growth accelerated to highest level in over two years<br>&nbsp;&nbsp;&nbsp;&nbsp;• Consumer household growth of 3%, including 7% in the Southeast<br>&nbsp;&nbsp;&nbsp;&nbsp;• Assets under management of $77B, up 12% compared to 3Q24 |
| *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; **Stability:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• 3% demand deposit growth year-over-year; Interest-bearing liabilities costs down for the fifth consecutive quarter<br>&nbsp;&nbsp;&nbsp;&nbsp;• Commercial NPAs improved 14% from 2Q25<br>&nbsp;&nbsp;&nbsp;&nbsp;• Tangible book value per share<sup>(a)</sup> grew 7% year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;**Profitability:** <br>&nbsp;&nbsp;&nbsp;&nbsp;• Net interest margin expanded for the 7th consecutive quarter and NII increased 7% year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Strong fee performance driven by 28% growth in capital markets fees and 9% growth in wealth and asset management revenue from 2Q25<br>&nbsp;&nbsp;&nbsp;&nbsp;• Disciplined expense management; efficiency ratio<sup>(a)</sup> of 54.9%; adjusted efficiency ratio<sup>(a)</sup> of 54.1%, an improvement of 180 bps year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;**Growth:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• 6% loan growth compared to 3Q24; annual loan growth accelerated to highest level in over two years<br>&nbsp;&nbsp;&nbsp;&nbsp;• Consumer household growth of 3%, including 7% in the Southeast<br>&nbsp;&nbsp;&nbsp;&nbsp;• Assets under management of $77B, up 12% compared to 3Q24 |
| *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; **Stability:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• 3% demand deposit growth year-over-year; Interest-bearing liabilities costs down for the fifth consecutive quarter<br>&nbsp;&nbsp;&nbsp;&nbsp;• Commercial NPAs improved 14% from 2Q25<br>&nbsp;&nbsp;&nbsp;&nbsp;• Tangible book value per share<sup>(a)</sup> grew 7% year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;**Profitability:** <br>&nbsp;&nbsp;&nbsp;&nbsp;• Net interest margin expanded for the 7th consecutive quarter and NII increased 7% year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Strong fee performance driven by 28% growth in capital markets fees and 9% growth in wealth and asset management revenue from 2Q25<br>&nbsp;&nbsp;&nbsp;&nbsp;• Disciplined expense management; efficiency ratio<sup>(a)</sup> of 54.9%; adjusted efficiency ratio<sup>(a)</sup> of 54.1%, an improvement of 180 bps year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;**Growth:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• 6% loan growth compared to 3Q24; annual loan growth accelerated to highest level in over two years<br>&nbsp;&nbsp;&nbsp;&nbsp;• Consumer household growth of 3%, including 7% in the Southeast<br>&nbsp;&nbsp;&nbsp;&nbsp;• Assets under management of $77B, up 12% compared to 3Q24 |

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

*Fifth Third's financial results once again underscore our strong balance sheet, diverse revenue streams, and disciplined expense management. We've continued to expand our net interest margin, improve our pre-provision net revenue, and strengthen our efficiency ratio.*

*Our ongoing investments in strategic growth priorities continue to drive robust results. In the third quarter, adjusted PPNR increased 6% sequentially and 11% year-over-year, marking the highest annual growth rate in over two years. Our balance sheet remains well-diversified and neutrally positioned. Our strong returns on capital enabled $300 million of share repurchases in the quarter and a 7% increase in tangible book value per share over the past year.* 

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

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

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

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Income Statement Highlights** | | | | | |
| **($ in millions, except per share data)** | For the Three Months Ended | For the Three Months Ended | For the Three Months Ended | % Change | % Change |
|  | September | June | September |  |  |
|  | 2025 | 2025 | 2024 | Seq | Yr/Yr |
| **Condensed Statements of Income** |  |  |  |  |  |
| Net interest income (NII)<sup>(a)</sup> | $1525 | $1500 | $1427 | 2% | 7% |
| Provision for credit losses | 197 | 173 | 160 | 14% | 23% |
| Noninterest income | 781 | 750 | 711 | 4% | 10% |
| Noninterest expense | 1267 | 1264 | 1244 |  | 2% |
| Income before income taxes<sup>(a)</sup> | $842 | $813 | $734 | 4% | 15% |
| Taxable equivalent adjustment | $5 | $5 | $6 |  | (17)% |
| Applicable income tax expense | 188 | 180 | 155 | 4% | 21% |
| Net income | $649 | $628 | $573 | 3% | 13% |
| Dividends on preferred stock | 41 | 37 | 41 | 11% |  |
| Net income available to common shareholders | $608 | $591 | $532 | 3% | 14% |
| Earnings per share, diluted | $0.91 | $0.88 | $0.78 | 3% | 17% |

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Fifth Third Bancorp (NASDAQ<sup>®</sup>: FITB) today reported third quarter 2025 net income available to common shareholders of $608 million, or $0.91 per diluted share, compared to $591 million, or $0.88 per diluted share, in the prior quarter and $532 million, or $0.78 per diluted share, in the year-ago quarter. On September 30, 2025, Fifth Third redeemed all of its outstanding Series L Preferred Stock, which resulted in a reduction to net income to common shareholders of $3.5 million, recorded as an incremental preferred dividend.

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| | |
|:---|:---|
| **Diluted earnings per share impact of certain item(s) - 3Q25** | **Diluted earnings per share impact of certain item(s) - 3Q25** |
| **(after-tax impact; $ in millions, except per share data)** | **(after-tax impact; $ in millions, except per share data)** |
| Interchange litigation matters<sup>(f)1</sup> | $(21) |
| FDIC special assessment (noninterest expense)<sup>(f)</sup> | 5 |
| After-tax impact<sup>(f)</sup> of certain item(s) | $(16) |
| Diluted earnings per share impact of certain item(s)<sup>2</sup> | $(0.02) |
| <sup>1</sup>*Interchange litigation matters decreased noninterest income by $18 million and increased noninterest expense by $9 million* | <sup>1</sup>*Interchange litigation matters decreased noninterest income by $18 million and increased noninterest expense by $9 million* |
| *Totals may not foot due to rounding;* <sup>2</sup>*Diluted earnings per share impact reflects 670.878 million average diluted shares outstanding* | *Totals may not foot due to rounding;* <sup>2</sup>*Diluted earnings per share impact reflects 670.878 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 |
|  | September | June | September |  |  |
|  | 2025 | 2025 | 2024 | Seq | Yr/Yr |
| **Interest Income** |  |  |  |  |  |
| Interest income | $2524 | $2489 | $2675 | 1% | (6)% |
| Interest expense | 999 | 989 | 1248 | 1% | (20)% |
| Net interest income (NII) | $1525 | $1500 | $1427 | 2% | 7% |
| **Average Yield/Rate Analysis** |  |  |  | bps Change | bps Change |
| Yield on interest-earning assets | 5.18% | 5.18% | 5.43% |  | (25) |
| Rate paid on interest-bearing liabilities | 2.77% | 2.78% | 3.38% | (1) | (61) |
| **Ratios** |  |  |  |  |  |
| Net interest rate spread | 2.41% | 2.40% | 2.05% | 1 | 36 |
| Net interest margin (NIM) | 3.13% | 3.12% | 2.90% | 1 | 23 |

---

Fully-taxable equivalent (FTE) NII of $1.525 billion increased $25 million, or 2% compared to the prior quarter. This improvement primarily reflects improved earning asset mix, fixed-rate asset repricing and strategic management actions decreasing the cost of interest-bearing liabilities. These same factors contributed to the 1 bp increase in NIM. NII in the prior quarter benefited $14 million from the payoff of a partially charged-off commercial loan, excluding this benefit, NII increased $39 million, or 3%, and NIM increased 4 bps.

Compared to the year-ago quarter, NII increased $98 million, or 7%, and NIM increased 23 bps. This improvement was due to the benefits from proactive deposit and wholesale funding management decreasing interest-bearing liabilities costs by 61 bps, improved earning asset mix, and the benefit of fixed-rate asset repricing.

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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 |
|  | September | June | September |  |  |
|  | 2025 | 2025 | 2024 | Seq | Yr/Yr |
| **Noninterest Income** |  |  |  |  |  |
| Wealth and asset management revenue | $181 | $166 | $163 | 9% | 11% |
| Commercial payments revenue | 157 | 152 | 154 | 3% | 2% |
| Consumer banking revenue | 144 | 147 | 143 | (2)% | 1% |
| Capital markets fees | 115 | 90 | 111 | 28% | 4% |
| Commercial banking revenue | 87 | 79 | 93 | 10% | (6)% |
| Mortgage banking net revenue | 58 | 56 | 50 | 4% | 16% |
| Other noninterest income (loss) | 29 | 44 | (13) | (34)% | NM |
| Securities gains, net | 10 | 16 | 10 | (38)% |  |
| Total noninterest income | $781 | $750 | $711 | 4% | 10% |

---

Noninterest income of $781 million increased $31 million, or 4%, from the prior quarter, and increased $70 million, or 10%, from the year-ago quarter. The reported results reflect the impact of certain items in the table below, including interchange litigation matters and the securities gains/losses which incorporate mark-to-market impacts from securities associated with non-qualified deferred compensation plans that are more than offset in noninterest expense.

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Noninterest Income excluding certain items** | **Noninterest Income excluding certain items** | **Noninterest Income excluding certain items** | **Noninterest Income excluding certain items** | **Noninterest Income excluding certain items** | **Noninterest Income excluding certain items** |
| **($ in millions)** | For the Three Months Ended | For the Three Months Ended | For the Three Months Ended | % Change | % Change |
|  | September | June | September |  |  |
|  | 2025 | 2025 | 2024 | Seq | Yr/Yr |
| **Noninterest Income excluding certain items** |  |  |  |  |  |
| Noninterest income (U.S. GAAP) | $781 | $750 | $711 |  |  |
| &nbsp;&nbsp;&nbsp;Interchange litigation matters | 18 | 1 | 47 |  |  |
| &nbsp;&nbsp;&nbsp;Securities (gains) losses, net | (10) | (16) | (10) |  |  |
| Noninterest income excluding certain items<sup>(a)</sup> | $789 | $735 | $748 | 7% | 5% |

---

Noninterest income excluding certain items of $789 million increased $54 million, or 7%, compared to the prior quarter, and increased $41 million, or 5%, from the year-ago quarter.

Wealth and asset management revenue increased $15 million, or 9% sequentially, due to increases in personal asset management revenue and brokerage fees. Commercial payments revenue increased $5 million, or 3%, driven by deposit fees and Newline revenue, partially offset by higher earnings credits. Capital markets fees were up $25 million, or 28%, reflecting a strong rebound in loan syndications and M&A advisory revenue.

Compared to the year-ago quarter, wealth and asset management revenue increased $18 million, or 11%, with 12% year-over-year AUM growth driving increases in personal asset management revenue and brokerage fees. Commercial payments revenue increased $3 million, or 2%, primarily due to higher deposit fees. Capital markets fees increased $4 million, or 4%, driven by higher loan syndications and M&A advisory revenue, partially offset by lower corporate bond fees. Commercial banking revenue decreased $6 million, or 6%, primarily reflecting lower operating lease and lease syndication revenue. Mortgage banking net revenue increased $8 million, or 16%, due to the prior year loss on MSR net valuation adjustments not recurring in the current quarter.

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Noninterest Expense** | | | | | |
| **($ in millions)** | For the Three Months Ended | For the Three Months Ended | For the Three Months Ended | % Change | % Change |
|  | September | June | September |  |  |
|  | 2025 | 2025 | 2024 | Seq | Yr/Yr |
| **Noninterest Expense** |  |  |  |  |  |
| Compensation and benefits | $685 | $698 | $690 | (2)% | (1)% |
| Technology and communications | 128 | 126 | 121 | 2% | 6% |
| Net occupancy expense | 89 | 83 | 81 | 7% | 10% |
| Equipment expense | 44 | 41 | 38 | 7% | 16% |
| Loan and lease expense | 39 | 36 | 34 | 8% | 15% |
| Marketing expense | 34 | 43 | 26 | (21)% | 31% |
| Card and processing expense | 22 | 22 | 22 |  |  |
| Other noninterest expense | 226 | 215 | 232 | 5% | (3)% |
| Total noninterest expense | $1267 | $1264 | $1244 |  | 2% |

---

Noninterest expense of $1.267 billion remained stable from the prior quarter, and increased 2% from the year-ago quarter. The reported results reflect the impact of certain items in the table below.

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Noninterest Expense excluding certain item(s)** | **Noninterest Expense excluding certain item(s)** | **Noninterest Expense excluding certain item(s)** | **Noninterest Expense excluding certain item(s)** | | |
| **($ in millions)** | For the Three Months Ended | For the Three Months Ended | For the Three Months Ended | % Change | % Change |
|  | September | June | September |  |  |
|  | 2025 | 2025 | 2024 | Seq | Yr/Yr |
| **Noninterest Expense excluding certain item(s)** |  |  |  |  |  |
| Noninterest expense (U.S. GAAP) | $1267 | $1264 | $1244 |  |  |
| &nbsp;&nbsp;&nbsp;Interchange litigation matters | (9) |  | (10) |  |  |
| &nbsp;&nbsp;&nbsp;Severance expense |  | (15) | (9) |  |  |
| &nbsp;&nbsp;&nbsp;FDIC special assessment | 6 |  |  |  |  |
| Noninterest expense excluding certain item(s)<sup>(a)</sup> | $1264 | $1249 | $1225 | 1% | 3% |
| &nbsp;&nbsp;&nbsp;Non-qualified deferred compensation (expense)/benefit | (11) | (16) | (10) |  |  |
| Noninterest expense excluding certain item(s) and non-qualified deferred compensation<sup>(a)</sup> | $1253 | $1233 | $1215 | 2% | 3% |

---

Noninterest expense excluding certain items and non-qualified deferred compensation of $1.253 billion increased $20 million or 2% compared to the prior quarter with increases in equipment and occupancy, partially offset by lower marketing expense.

Compared to the year-ago quarter, noninterest expense excluding certain items and non-qualified deferred compensation increased $38 million, or 3% due primarily to increases in equipment and occupancy, marketing, and technology expense.

Expenses related to the mark-to-market impact of non-qualified deferred compensation were largely offset in net securities gains/losses through noninterest income in the current and prior periods.

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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 |
|  | September | June | September |  |  |
|  | 2025 | 2025 | 2024 | Seq | Yr/Yr |
| **Average Portfolio Loans and Leases** |  |  |  |  |  |
| Commercial loans and leases: |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;Commercial and industrial loans | $54170 | $54075 | $51615 |  | 5% |
| &nbsp;&nbsp;&nbsp;Commercial mortgage loans | 12027 | 12410 | 11488 | (3)% | 5% |
| &nbsp;&nbsp;&nbsp;Commercial construction loans | 5541 | 5810 | 5981 | (5)% | (7)% |
| &nbsp;&nbsp;&nbsp;Commercial leases | 3177 | 3120 | 2685 | 2% | 18% |
| Total commercial loans and leases | $74915 | $75415 | $71769 | (1)% | 4% |
| Consumer loans: |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;Residential mortgage loans | $17656 | $17615 | $17031 |  | 4% |
| &nbsp;&nbsp;&nbsp;Home equity | 4579 | 4383 | 4018 | 4% | 14% |
| &nbsp;&nbsp;&nbsp;Indirect secured consumer loans | 17729 | 17248 | 15680 | 3% | 13% |
| &nbsp;&nbsp;&nbsp;Credit card | 1678 | 1659 | 1708 | 1% | (2)% |
| &nbsp;&nbsp;&nbsp;Solar energy installation loans | 4355 | 4268 | 3990 | 2% | 9% |
| &nbsp;&nbsp;&nbsp;Other consumer loans | 2414 | 2483 | 2630 | (3)% | (8)% |
| Total consumer loans | $48411 | $47656 | $45057 | 2% | 7% |
| Total average portfolio loans and leases | $123326 | $123071 | $116826 |  | 6% |
| **Average Loans and Leases Held for Sale** |  |  |  |  |  |
| Commercial loans and leases held for sale | $44 | $45 | $16 | (2)% | 175% |
| Consumer loans held for sale | 623 | 541 | 573 | 15% | 9% |
| Total average loans and leases held for sale | $667 | $586 | $589 | 14% | 13% |
| Total average loans and leases | $123993 | $123657 | $117415 |  | 6% |
| Securities (taxable and tax-exempt) | $54592 | $56243 | $56707 | (3)% | (4)% |
| Other short-term investments | 14915 | 12782 | 21714 | 17% | (31)% |
| Total average interest-earning assets | $193500 | $192682 | $195836 |  | (1)% |

---

Total average portfolio loans and leases of $123 billion remained stable compared to the prior quarter. Average commercial portfolio loans and leases of $75 billion decreased 1%, due to declines in commercial mortgage and commercial construction loans, partially offset by increases in C&I middle market loans. Average consumer portfolio loans of $48 billion increased 2%, driven by continued strong growth in indirect secured consumer and home equity loans.

Compared to the year-ago quarter, total average portfolio loans and leases increased 6%. Average commercial portfolio loans and leases increased 4%, reflecting increases in C&I middle market, commercial mortgage loans, and commercial leases. Average consumer portfolio loans increased 7%, primarily due to increases in indirect secured consumer, residential mortgage, and home equity loans.

Average securities (taxable and tax-exempt; amortized cost) of $55 billion in the current quarter decreased 3% compared to the prior quarter and 4% compared to the year-ago quarter. Average other short-term investments (including interest-bearing cash) of $15 billion in the current quarter increased 17% compared to the prior quarter and decreased 31% 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 |
|  | September | June | September |  |  |
|  | 2025 | 2025 | 2024 | Seq | Yr/Yr |
| **End of Period Portfolio Loans and Leases** |  |  |  |  |  |
| Total commercial loans and leases | $74423 | $74152 | $71130 |  | 5% |
| Total consumer loans | 48707 | 48244 | 45538 | 1% | 7% |
| Total portfolio loans and leases | $123130 | $122396 | $116668 | 1% | 6% |
| **End of Period Loans and Leases Held for Sale** |  |  |  |  |  |
| Total loans and leases held for sale | $576 | $646 | $612 | (11)% | (6)% |
| Total loans and leases | $123706 | $123042 | $117280 | 1% | 5% |
| Securities (taxable and tax-exempt) | $52680 | $55109 | $56738 | (4)% | (7)% |
| Other short-term investments | 17215 | 13043 | 21729 | 32% | (21)% |
| Total interest-earning assets | $193601 | $191194 | $195747 | 1% | (1)% |

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Period-end commercial portfolio loans and leases of $74 billion remained stable compared to the prior quarter. Compared to the year-ago quarter, period-end commercial portfolio loans and leases increased 5%, primarily due to growth in C&I loans.

Period-end consumer portfolio loans of $49 billion increased 1% compared to the prior quarter, primarily reflecting increases in indirect secured consumer and home equity loans. Compared to the year-ago quarter, period-end consumer portfolio loans increased 7%, driven by increases in indirect secured consumer, home equity, and residential mortgage loans.

Total period-end securities (taxable and tax-exempt; amortized cost) of $53 billion in the current quarter decreased 4% compared to the prior quarter and decreased 7% compared to the year-ago quarter. Period-end other short-term investments of approximately $17 billion increased 32% compared to the prior quarter and decreased 21% 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 |
|  | September | June | September |  |  |
|  | 2025 | 2025 | 2024 | Seq | Yr/Yr |
| **Average Deposits** |  |  |  |  |  |
| Demand | $41235 | $40885 | $40020 | 1% | 3% |
| Interest checking | 56624 | 56738 | 58605 |  | (3)% |
| Savings | 16376 | 16962 | 17272 | (3)% | (5)% |
| Money market | 37434 | 36296 | 37257 | 3% |  |
| Total transaction deposits | $151669 | $150881 | $153154 | 1% | (1)% |
| CDs $250,000 or less | 10841 | 10494 | 10543 | 3% | 3% |
| Total core deposits | $162510 | $161375 | $163697 | 1% | (1)% |
| CDs over $250,000<sup>1</sup> | 2244 | 2200 | 3499 | 2% | (36)% |
| Total average deposits | $164754 | $163575 | $167196 | 1% | (1)% |
| <sup>1</sup>*CDs over $250,000 includes $1.0BN, $1.1BN, and $2.6BN of retail brokered certificates of deposit which are fully covered by FDIC insurance for the three months ended 9/30/25, 6/30/25, and 9/30/24, respectively.* | <sup>1</sup>*CDs over $250,000 includes $1.0BN, $1.1BN, and $2.6BN of retail brokered certificates of deposit which are fully covered by FDIC insurance for the three months ended 9/30/25, 6/30/25, and 9/30/24, respectively.* | <sup>1</sup>*CDs over $250,000 includes $1.0BN, $1.1BN, and $2.6BN of retail brokered certificates of deposit which are fully covered by FDIC insurance for the three months ended 9/30/25, 6/30/25, and 9/30/24, respectively.* | <sup>1</sup>*CDs over $250,000 includes $1.0BN, $1.1BN, and $2.6BN of retail brokered certificates of deposit which are fully covered by FDIC insurance for the three months ended 9/30/25, 6/30/25, and 9/30/24, respectively.* | <sup>1</sup>*CDs over $250,000 includes $1.0BN, $1.1BN, and $2.6BN of retail brokered certificates of deposit which are fully covered by FDIC insurance for the three months ended 9/30/25, 6/30/25, and 9/30/24, respectively.* | <sup>1</sup>*CDs over $250,000 includes $1.0BN, $1.1BN, and $2.6BN of retail brokered certificates of deposit which are fully covered by FDIC insurance for the three months ended 9/30/25, 6/30/25, and 9/30/24, respectively.* |

---

Total average deposits of $165 billion increased 1% compared to the prior quarter, primarily driven by growth in money market and demand deposits, partially offset by declines in savings and interest checking balances. The growth in demand deposits reflects our strategic focus on enhancing the deposit mix, and represents the second consecutive quarter of demand deposit growth. Period-end total deposits of $167 billion increased 1%.

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Compared to the year-ago quarter, total average deposits decreased 1%, mainly due to lower interest checking balances and a reduction in CDs over $250,000, which includes brokered deposits, partially offset by an increase in demand deposits and CDs $250,000 or less. Period-end total deposits decreased 1%.

The period-end portfolio loan-to-core deposit ratio was 75% in the current quarter, compared to 76% in the prior quarter and 71% 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 |
|  | September | June | September |  |  |
|  | 2025 | 2025 | 2024 | Seq | Yr/Yr |
| **Average Wholesale Funding** |  |  |  |  |  |
| CDs over $250,000<sup>1</sup> | $2244 | $2200 | $3499 | 2% | (36)% |
| Federal funds purchased | 198 | 206 | 176 | (4)% | 13% |
| Securities sold under repurchase agreements | 376 | 353 | 396 | 7% | (5)% |
| FHLB advances | 4920 | 4976 | 2576 | (1)% | 91% |
| Derivative collateral and other secured borrowings | 82 | 89 | 52 | (8)% | 58% |
| Long-term debt | 14001 | 14599 | 16716 | (4)% | (16)% |
| Total average wholesale funding | $21821 | $22423 | $23415 | (3)% | (7)% |
| <sup>1</sup>*CDs over $250,000 includes $1.0BN, $1.1BN, and $2.6BN of retail brokered certificates of deposit which are fully covered by FDIC insurance for the three months ended 9/30/25, 6/30/25, and 9/30/24, respectively.* | <sup>1</sup>*CDs over $250,000 includes $1.0BN, $1.1BN, and $2.6BN of retail brokered certificates of deposit which are fully covered by FDIC insurance for the three months ended 9/30/25, 6/30/25, and 9/30/24, respectively.* | <sup>1</sup>*CDs over $250,000 includes $1.0BN, $1.1BN, and $2.6BN of retail brokered certificates of deposit which are fully covered by FDIC insurance for the three months ended 9/30/25, 6/30/25, and 9/30/24, respectively.* | <sup>1</sup>*CDs over $250,000 includes $1.0BN, $1.1BN, and $2.6BN of retail brokered certificates of deposit which are fully covered by FDIC insurance for the three months ended 9/30/25, 6/30/25, and 9/30/24, respectively.* | <sup>1</sup>*CDs over $250,000 includes $1.0BN, $1.1BN, and $2.6BN of retail brokered certificates of deposit which are fully covered by FDIC insurance for the three months ended 9/30/25, 6/30/25, and 9/30/24, respectively.* | <sup>1</sup>*CDs over $250,000 includes $1.0BN, $1.1BN, and $2.6BN of retail brokered certificates of deposit which are fully covered by FDIC insurance for the three months ended 9/30/25, 6/30/25, and 9/30/24, respectively.* |

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Average wholesale funding of $22 billion decreased 3% compared to the prior quarter, driven by a reduction in long-term debt and FHLB advances. The 7% decrease in average wholesale funding compared to the year-ago quarter was primarily attributable to a decrease in long-term debt and CDs over $250,000, inclusive of brokered deposits.

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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 |
|  | September | June | March | December | September |
|  | 2025 | 2025 | 2025 | 2024 | 2024 |
| Total nonaccrual portfolio loans and leases (NPLs) | $768 | $853 | $966 | $823 | $686 |
| Repossessed property | 12 | 8 | 9 | 9 | 11 |
| OREO | 21 | 25 | 21 | 21 | 28 |
| Total nonperforming portfolio loans and leases and OREO (NPAs) | $801 | $886 | $996 | $853 | $725 |
| NPL ratio<sup>(g)</sup> | 0.62% | 0.70% | 0.79% | 0.69% | 0.59% |
| NPA ratio<sup>(c)</sup> | 0.65% | 0.72% | 0.81% | 0.71% | 0.62% |
| Portfolio loans and leases 30-89 days past due (accrual) | $348 | $277 | $385 | $303 | $283 |
| Portfolio loans and leases 90 days past due (accrual) | 29 | 34 | 33 | 32 | 40 |
| 30-89 days past due as a % of portfolio loans and leases | 0.28% | 0.23% | 0.31% | 0.25% | 0.24% |
| 90 days past due as a % of portfolio loans and leases | 0.02% | 0.03% | 0.03% | 0.03% | 0.03% |
| Allowance for loan and lease losses (ALLL), beginning | $2412 | $2384 | $2352 | $2305 | $2288 |
| &nbsp;&nbsp;&nbsp;Total net losses charged-off | (339) | (139) | (136) | (136) | (142) |
| &nbsp;&nbsp;&nbsp;Provision for loan and lease losses | 192 | 167 | 168 | 183 | 159 |
| ALLL, ending | $2265 | $2412 | $2384 | $2352 | $2305 |
| Reserve for unfunded commitments, beginning | $146 | $140 | $134 | $138 | $137 |
| &nbsp;&nbsp;&nbsp;Provision for (benefit from) the reserve for unfunded commitments | 5 | 6 | 6 | (4) | 1 |
| Reserve for unfunded commitments, ending | $151 | $146 | $140 | $134 | $138 |
| Total allowance for credit losses (ACL) | $2416 | $2558 | $2524 | $2486 | $2443 |
| ACL ratios: |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;As a % of portfolio loans and leases | 1.96% | 2.09% | 2.07% | 2.08% | 2.09% |
| &nbsp;&nbsp;&nbsp;As a % of nonperforming portfolio loans and leases | 314% | 300% | 261% | 302% | 356% |
| &nbsp;&nbsp;&nbsp;As a % of nonperforming portfolio assets | 302% | 289% | 253% | 291% | 337% |
| ALLL as a % of portfolio loans and leases | 1.84% | 1.97% | 1.95% | 1.96% | 1.98% |
| Total losses charged-off | $(382) | $(194) | $(173) | $(175) | $(183) |
| Total recoveries of losses previously charged-off | 43 | 55 | 37 | 39 | 41 |
| Total net losses charged-off | $(339) | $(139) | $(136) | $(136) | $(142) |
| Net charge-off ratio (NCO ratio)<sup>(b)</sup> | 1.09% | 0.45% | 0.46% | 0.46% | 0.48% |
| &nbsp;&nbsp;&nbsp;Commercial NCO ratio | 1.46% | 0.38% | 0.35% | 0.32% | 0.40% |
| &nbsp;&nbsp;&nbsp;Consumer NCO ratio | 0.52% | 0.56% | 0.63% | 0.68% | 0.62% |

---

The provision for credit losses totaled $197 million in the current quarter and the ACL ratio represented 1.96% of total portfolio loans and leases at quarter end, down 13 bps from 2.09% in the prior and year-ago periods. The ACL coverage ratio increased to 314% of nonperforming portfolio loans and leases and 302% of nonperforming portfolio assets.

Net charge-offs totaled $339 million in the current quarter, up $200 million from the prior quarter and the NCO ratio increased 64 bps to 1.09%. The third quarter of 2025 net charge-offs included $178 million related to the impairment of an asset-backed finance commercial credit. Excluding this credit, net charge-offs were $161 million, or 0.52% in the third quarter of 2025, up 7 bps from the prior quarter. Commercial net charge-offs were $275 million, with a commercial NCO ratio of 1.46%, up 108 bps from the prior quarter. The increase in commercial net charge-offs from the prior quarter was

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primarily due to the asset-backed credit mentioned previously. Consumer net charge-offs were $64 million, with a consumer NCO ratio of 0.52%, down 4 bps sequentially.

Compared to the year-ago quarter, net charge-offs increased $197 million and the NCO ratio increased 61 bps. The commercial NCO ratio increased 106 bps, and the consumer NCO ratio decreased 10 bps compared to the prior year.

Nonperforming portfolio loans and leases totaled $768 million in the current quarter, representing an NPL ratio of 0.62%, compared to 0.70% in the prior quarter and 0.59% in the year-ago quarter.

Nonperforming portfolio assets totaled $801 million in the current quarter, resulting in an NPA ratio of 0.65%, compared to 0.72% in the prior quarter and 0.62% 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 |
|  | September | June | March | December | September |
|  | 2025 | 2025 | 2025 | 2024 | 2024 |
| **Capital Position** |  |  |  |  |  |
| Average total Bancorp shareholders' equity as a % of average assets | 10.02% | 9.82% | 9.50% | 9.40% | 9.47% |
| Tangible equity<sup>(a)</sup> | 9.12% | 9.39% | 9.07% | 9.02% | 8.99% |
| Tangible common equity (excluding AOCI)<sup>(a)</sup> | 8.29% | 8.38% | 8.07% | 8.03% | 8.00% |
| Tangible common equity (including AOCI)<sup>(a)</sup> | 6.89% | 6.84% | 6.40% | 6.02% | 6.52% |
| **Regulatory Capital Ratios**<sup>(d)(e)</sup>  |  |  |  |  |  |
| CET1 capital | 10.54% | 10.58% | 10.43% | 10.57% | 10.75% |
| Tier 1 risk-based capital | 11.60% | 11.85% | 11.71% | 11.86% | 12.07% |
| Total risk-based capital | 13.51% | 13.77% | 13.63% | 13.86% | 14.13% |
| Leverage | 9.24% | 9.42% | 9.23% | 9.22% | 9.11% |

---

CET1 capital ratio of 10.54% decreased 4 bps sequentially, primarily reflecting risk-weighted asset growth and capital returns to shareholders. During the third quarter of 2025, Fifth Third repurchased $300 million of its common stock, which reduced shares outstanding by approximately 6.9 million at quarter end. Fifth Third increased its quarterly cash common dividend on its common shares by $0.03, or 8%, to $0.40 per share for the third quarter of 2025, reflecting our resilient balance sheet and strong earnings profile. On September 30, 2025, Fifth Third redeemed all of its outstanding 4.50% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series L.

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**Tax Rate**

The effective tax rate for the quarter was 22.6% compared with 22.2% in the prior quarter and 21.3% in the year-ago quarter.

**Conference Call** 

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

**Corporate Profile** 

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

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

**Earnings Release End Notes**

*(a)Non-GAAP measure; see discussion of non-GAAP reconciliation beginning on page 27.*

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

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

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

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

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

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

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**FORWARD-LOOKING STATEMENTS**

*This release contains statements that we believe are "forward-looking statements" within the meaning of Section 27A of the Securities Act of 1933, as amended, and Rule 175 promulgated thereunder, and Section 21E of the Securities Exchange Act of 1934, as amended, and Rule 3b-6 promulgated thereunder. All statements other than statements of historical fact are forward-looking statements. These statements relate to our financial condition, results of operations, plans, objectives, future performance, capital actions or business. They usually can be identified by the use of forward-looking language such as "will likely result," "may," "are expected to," "is anticipated," "potential," "estimate," "forecast," "projected," "intends to," or may include other similar words or phrases such as "believes," "plans," "trend," "objective," "continue," "remain," or similar expressions, or future or conditional verbs such as "will," "would," "should," "could," "might," "can," or similar verbs. You should not place undue reliance on these statements, as they are subject to risks and uncertainties, including but not limited to the risk factors set forth in our most recent Annual Report on Form 10-K as updated by our filings with the U.S. Securities and Exchange Commission ("SEC").*

*You should refer to our periodic and current reports filed with the Securities and Exchange Commission, or "SEC," for further information on other factors, which could cause actual results to be significantly different from those expressed or implied by these forward-looking statements. Moreover, you should treat these statements as speaking only as of the date they are made and based only on information then actually known to us. We expressly disclaim any obligation or undertaking to release publicly any updates or revisions to any forward-looking statements contained herein to reflect any change in our expectations or any changes in events, conditions or circumstances on which any such statement is based, except as may be required by law, and we claim the protection of the safe harbor for forward-looking statements contained in the Private Securities Litigation Reform Act of 1995. The information contained herein is intended to be reviewed in its totality, and any stipulations, conditions or provisos that apply to a given piece of information in one part of this press release should be read as applying mutatis mutandis to every other instance of such information appearing herein.*

*# # #*

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![a53_logoxhorizontalxfullco.jpg](a53_logoxhorizontalxfullco.jpg)

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

**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 | 21-22 |
| Summary of Loans and Leases | 23 |
| Regulatory Capital | 24 |
| Summary of Credit Loss Experience | 25 |
| Asset Quality | 26 |
| Non-GAAP Reconciliation | 27-29 |
| Segment Presentation | 30 |

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| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Fifth Third Bancorp and Subsidiaries** | | | | | | | | |
| Financial Highlights | As of and For the Three Months Ended | As of and For the Three Months Ended | As of and For the Three Months Ended | % / bps | % / bps |  |  | % / bps |
| $ in millions, except per share data | As of and For the Three Months Ended | As of and For the Three Months Ended | As of and For the Three Months Ended | Change | Change | Year to Date | Year to Date | Change |
| (unaudited) | September | June | September |  |  | September | September |  |
|  | 2025 | 2025 | 2024 | Seq | Yr/Yr | 2025 | 2024 | Yr/Yr |
| **Income Statement Data** |  |  |  |  |  |  |  |  |
| Net interest income | $1520 | $1495 | $1421 | 2% | 7% | $4453 | $4192 | 6% |
| Net interest income (FTE)<sup>(a)</sup>  | 1525 | 1500 | 1427 | 2% | 7% | 4468 | 4210 | 6% |
| Noninterest income | 781 | 750 | 711 | 4% | 10% | 2224 | 2117 | 5% |
| Total revenue (FTE)<sup>(a)</sup>  | 2306 | 2250 | 2138 | 2% | 8% | 6692 | 6327 | 6% |
| Provision for credit losses | 197 | 173 | 160 | 14% | 23% | 544 | 351 | 55% |
| Noninterest expense | 1267 | 1264 | 1244 |  | 2% | 3835 | 3807 | 1% |
| Net income | 649 | 628 | 573 | 3% | 13% | 1791 | 1694 | 6% |
| Net income available to common shareholders | 608 | 591 | 532 | 3% | 14% | 1677 | 1573 | 7% |
| **Earnings Per Share Data** |  |  |  |  |  |  |  |  |
| Net income allocated to common shareholders | $608 | $591 | $532 | 3% | 14% | $1677 | $1573 | 7% |
| Average common shares outstanding (in thousands): |  |  |  |  |  |  |  |  |
| Basic | 666427 | 670787 | 680895 | (1%) | (2%) | 669405 | 684462 | (2%) |
| Diluted | 670878 | 674034 | 686109 |  | (2%) | 673632 | 689263 | (2%) |
| Earnings per share, basic | $0.91 | $0.88 | $0.78 | 3% | 17% | $2.51 | $2.30 | 9% |
| Earnings per share, diluted | 0.91 | 0.88 | 0.78 | 3% | 17% | 2.49 | 2.28 | 9% |
| **Common Share Data** |  |  |  |  |  |  |  |  |
| Cash dividends per common share | $0.40 | $0.37 | $0.37 | 8% | 8% | $1.14 | $1.07 | 7% |
| Book value per share | 29.26 | 28.47 | 27.60 | 3% | 6% | 29.26 | 27.60 | 6% |
| Market value per share | 44.55 | 41.13 | 42.84 | 8% | 4% | 44.55 | 42.84 | 4% |
| Common shares outstanding (in thousands) | 660973 | 667710 | 676269 | (1%) | (2%) | 660973 | 676269 | (2%) |
| Market capitalization | $29446 | $27463 | $28971 | 7% | 2% | $29446 | $28971 | 2% |
| **Financial Ratios** |  |  |  |  |  |  |  |  |
| Return on average assets | 1.21% | 1.20% | 1.06% | 1 | 15 | 1.13% | 1.06% | 7 |
| Return on average common equity | 12.6% | 12.8% | 11.7% | (20) | 90 | 12.1% | 12.3% | (20) |
| Return on average tangible common equity<sup>(a)</sup>  | 17.3% | 17.6% | 16.3% | (30) | 100 | 16.8% | 17.6% | (80) |
| Noninterest income as a percent of total revenue<sup>(a)</sup>  | 34% | 33% | 33% | 100 | 100 | 33% | 33% |  |
| Dividend payout | 44.0% | 42.0% | 47.4% | 200 | (340) | 45.4% | 46.5% | (110) |
| Average total Bancorp shareholders' equity as a percent of average assets | 10.02% | 9.82% | 9.47% | 20 | 55 | 9.78% | 9.02% | 76 |
| Tangible common equity<sup>(a)</sup>  | 8.29% | 8.38% | 8.00% | (9) | 29 | 8.29% | 8.00% | 29 |
| Net interest margin (FTE)<sup>(a)</sup>  | 3.13% | 3.12% | 2.90% | 1 | 23 | 3.10% | 2.88% | 22 |
| Efficiency (FTE)<sup>(a)</sup>  | 54.9% | 56.2% | 58.2% | (130) | (330) | 57.3% | 60.2% | (290) |
| Effective tax rate | 22.6% | 22.2% | 21.3% | 40 | 130 | 22.1% | 21.3% | 80 |
| **Credit Quality** |  |  |  |  |  |  |  |  |
| Net losses charged-off | $339 | $139 | $142 | 144% | 139% | $614 | $396 | 55% |
| Net losses charged-off as a percent of average portfolio loans and leases (annualized) | 1.09% | 0.45% | 0.48% | 64 | 61 | 0.67% | 0.45% | 22 |
| ALLL as a percent of portfolio loans and leases | 1.84% | 1.97% | 1.98% | (13) | (14) | 1.84% | 1.98% | (14) |
| ACL as a percent of portfolio loans and leases<sup>(g)</sup> | 1.96% | 2.09% | 2.09% | (13) | (13) | 1.96% | 2.09% | (13) |
| Nonperforming portfolio assets as a percent of portfolio loans and leases and OREO | 0.65% | 0.72% | 0.62% | (7) | 3 | 0.65% | 0.62% | 3 |
| **Average Balances** |  |  |  |  |  |  |  |  |
| Loans and leases, including held for sale | $123993 | $123657 | $117415 |  | 6% | $123147 | $117466 | 5% |
| Securities and other short-term investments | 69507 | 69025 | 78421 | 1% | (11%) | 69853 | 77765 | (10%) |
| Assets | 211770 | 210554 | 213838 | 1% | (1%) | 210965 | 213174 | (1%) |
| Transaction deposits<sup>(b)</sup>  | 151669 | 150881 | 153154 | 1% | (1%) | 151327 | 152400 | (1%) |
| Core deposits<sup>(c)</sup> | 162510 | 161375 | 163697 | 1% | (1%) | 161901 | 162918 | (1%) |
| Wholesale funding<sup>(d)</sup> | 21821 | 22423 | 23415 | (3%) | (7%) | 22167 | 24120 | (8%) |
| Bancorp shareholders' equity | 21216 | 20670 | 20251 | 3% | 5% | 20633 | 19232 | 7% |
| **Regulatory Capital Ratios**<sup>(e)(f)</sup>  |  |  |  |  |  |  |  |  |
| CET1 capital | 10.54% | 10.58% | 10.75% | (4) | (21) | 10.54% | 10.75% | (21) |
| Tier 1 risk-based capital | 11.60% | 11.85% | 12.07% | (25) | (47) | 11.60% | 12.07% | (47) |
| Total risk-based capital | 13.51% | 13.77% | 14.13% | (26) | (62) | 13.51% | 14.13% | (62) |
| Leverage | 9.24% | 9.42% | 9.11% | (18) | 13 | 9.24% | 9.11% | 13 |
| **Additional Metrics** |  |  |  |  |  |  |  |  |
| Banking centers | 1102 | 1089 | 1072 | 1% | 3% | 1102 | 1072 | 3% |
| ATMs | 2184 | 2170 | 2060 | 1% | 6% | 2184 | 2060 | 6% |
| Full-time equivalent employees | 18476 | 18690 | 18579 | (1%) | (1%) | 18476 | 18579 | (1%) |
| Assets under care ($ in billions)<sup>(h)</sup> | $681 | $657 | $635 | 4% | 7% | $681 | $635 | 7% |
| Assets under management ($ in billions)<sup>(h)</sup> | 77 | 73 | 69 | 5% | 12% | 77 | 69 | 12% |

---

*(a)Non-GAAP measure; see discussion and reconciliation of non-GAAP measures beginning on page 27.*

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

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

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

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

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

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

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

------

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **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) | September | June | March | December | September |
|  | 2025 | 2025 | 2025 | 2024 | 2024 |
| **Income Statement Data** |  |  |  |  |  |
| Net interest income | $1520 | $1495 | $1437 | $1437 | $1421 |
| Net interest income (FTE)<sup>(a)</sup>  | 1525 | 1500 | 1442 | 1443 | 1427 |
| Noninterest income | 781 | 750 | 694 | 732 | 711 |
| Total revenue (FTE)<sup>(a)</sup>  | 2306 | 2250 | 2136 | 2175 | 2138 |
| Provision for credit losses | 197 | 173 | 174 | 179 | 160 |
| Noninterest expense | 1267 | 1264 | 1304 | 1226 | 1244 |
| Net income | 649 | 628 | 515 | 620 | 573 |
| Net income available to common shareholders | 608 | 591 | 478 | 582 | 532 |
| **Earnings Per Share Data** |  |  |  |  |  |
| Net income allocated to common shareholders | $608 | $591 | $478 | $582 | $532 |
| Average common shares outstanding (in thousands): |  |  |  |  |  |
| Basic | 666427 | 670787 | 671052 | 675307 | 680895 |
| Diluted | 670878 | 674034 | 676040 | 681456 | 686109 |
| Earnings per share, basic | $0.91 | $0.88 | $0.71 | $0.86 | $0.78 |
| Earnings per share, diluted | 0.91 | 0.88 | 0.71 | 0.85 | 0.78 |
| **Common Share Data** |  |  |  |  |  |
| Cash dividends per common share | $0.40 | $0.37 | $0.37 | $0.37 | $0.37 |
| Book value per share | 29.26 | 28.47 | 27.41 | 26.17 | 27.60 |
| Market value per share | 44.55 | 41.13 | 39.20 | 42.28 | 42.84 |
| Common shares outstanding (in thousands) | 660973 | 667710 | 667272 | 669854 | 676269 |
| Market capitalization | $29446 | $27463 | $26157 | $28321 | $28971 |
| **Financial Ratios** |  |  |  |  |  |
| Return on average assets | 1.21% | 1.20% | 0.99% | 1.17% | 1.06% |
| Return on average common equity | 12.6% | 12.8% | 10.8% | 13.0% | 11.7% |
| Return on average tangible common equity<sup>(a)</sup>  | 17.3% | 17.6% | 15.2% | 18.4% | 16.3% |
| Noninterest income as a percent of total revenue<sup>(a)</sup>  | 34% | 33% | 32% | 34% | 33% |
| Dividend payout | 44.0% | 42.0% | 52.1% | 43.0% | 47.4% |
| Average total Bancorp shareholders' equity as a percent of average assets | 10.02% | 9.82% | 9.50% | 9.40% | 9.47% |
| Tangible common equity<sup>(a)</sup>  | 8.29% | 8.38% | 8.07% | 8.03% | 8.00% |
| Net interest margin (FTE)<sup>(a)</sup>  | 3.13% | 3.12% | 3.03% | 2.97% | 2.90% |
| Efficiency (FTE)<sup>(a)</sup>  | 54.9% | 56.2% | 61.0% | 56.4% | 58.2% |
| Effective tax rate | 22.6% | 22.2% | 21.2% | 18.8% | 21.3% |
| **Credit Quality** |  |  |  |  |  |
| Net losses charged-off | $339 | $139 | $136 | $136 | $142 |
| Net losses charged-off as a percent of average portfolio loans and leases (annualized) | 1.09% | 0.45% | 0.46% | 0.46% | 0.48% |
| ALLL as a percent of portfolio loans and leases | 1.84% | 1.97% | 1.95% | 1.96% | 1.98% |
| ACL as a percent of portfolio loans and leases<sup>(g)</sup> | 1.96% | 2.09% | 2.07% | 2.08% | 2.09% |
| Nonperforming portfolio assets as a percent of portfolio loans and leases and OREO | 0.65% | 0.72% | 0.81% | 0.71% | 0.62% |
| **Average Balances** |  |  |  |  |  |
| Loans and leases, including held for sale | $123993 | $123657 | $121764 | $118492 | $117415 |
| Securities and other short-term investments | 69507 | 69025 | 71044 | 75021 | 78421 |
| Assets | 211770 | 210554 | 210558 | 211709 | 213838 |
| Transaction deposits<sup>(b)</sup> | 151669 | 150881 | 151431 | 154114 | 153154 |
| Core deposits<sup>(c)</sup> | 162510 | 161375 | 161811 | 164706 | 163697 |
| Wholesale funding<sup>(d)</sup> | 21821 | 22423 | 22262 | 20202 | 23415 |
| Bancorp shareholders' equity | 21216 | 20670 | 20000 | 19893 | 20251 |
| **Regulatory Capital Ratios**<sup>(e)(f)</sup>  |  |  |  |  |  |
| CET1 capital | 10.54% | 10.58% | 10.43% | 10.57% | 10.75% |
| Tier 1 risk-based capital | 11.60% | 11.85% | 11.71% | 11.86% | 12.07% |
| Total risk-based capital | 13.51% | 13.77% | 13.63% | 13.86% | 14.13% |
| Leverage | 9.24% | 9.42% | 9.23% | 9.22% | 9.11% |
| **Additional Metrics** |  |  |  |  |  |
| Banking centers | 1102 | 1089 | 1084 | 1089 | 1072 |
| ATMs | 2184 | 2170 | 2069 | 2080 | 2060 |
| Full-time equivalent employees | 18476 | 18690 | 18786 | 18616 | 18579 |
| Assets under care ($ in billions)<sup>(h)</sup> | $681 | $657 | $639 | $634 | $635 |
| Assets under management ($ in billions)<sup>(h)</sup> | 77 | 73 | 68 | 69 | 69 |

---

*(a)Non-GAAP measure; see discussion and reconciliation of non-GAAP measures beginning on page 27.*

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

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

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

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

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

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

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

------

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Fifth Third Bancorp and Subsidiaries** | | | | | | | | |
| Consolidated Statements of Income |  |  |  |  |  |  |  |  |
| $ in millions | For the Three Months Ended | For the Three Months Ended | For the Three Months Ended | % Change | % Change | Year to Date | Year to Date | % Change |
| (unaudited) | September | June | September |  |  | September | September |  |
|  | 2025 | 2025 | 2024 | Seq | Yr/Yr | 2025 | 2024 | Yr/Yr |
| **Interest Income** |  |  |  |  |  |  |  |  |
| Interest and fees on loans and leases | $1909 | $1881 | $1910 | 1% |  | $5604 | $5640 | (1%) |
| Interest on securities | 444 | 458 | 461 | (3%) | (4%) | 1354 | 1374 | (1%) |
| Interest on other short-term investments | 166 | 145 | 298 | 14% | (44%) | 477 | 883 | (46%) |
| Total interest income | 2519 | 2484 | 2669 | 1% | (6%) | 7435 | 7897 | (6%) |
| **Interest Expense** |  |  |  |  |  |  |  |  |
| Interest on deposits | 750 | 732 | 968 | 2% | (23%) | 2226 | 2880 | (23%) |
| Interest on federal funds purchased | 2 | 2 | 2 |  |  | 7 | 8 | (13%) |
| Interest on other short-term borrowings | 59 | 59 | 40 |  | 48% | 174 | 135 | 29% |
| Interest on long-term debt | 188 | 196 | 238 | (4%) | (21%) | 575 | 682 | (16%) |
| Total interest expense | 999 | 989 | 1248 | 1% | (20%) | 2982 | 3705 | (20%) |
| **Net Interest Income** | 1520 | 1495 | 1421 | 2% | 7% | 4453 | 4192 | 6% |
| Provision for credit losses | 197 | 173 | 160 | 14% | 23% | 544 | 351 | 55% |
| **Net Interest Income After Provision for Credit Losses** | 1323 | 1322 | 1261 |  | 5% | 3909 | 3841 | 2% |
| **Noninterest Income** |  |  |  |  |  |  |  |  |
| Wealth and asset management revenue | 181 | 166 | 163 | 9% | 11% | 519 | 483 | 7% |
| Commercial payments revenue | 157 | 152 | 154 | 3% | 2% | 462 | 453 | 2% |
| Consumer banking revenue | 144 | 147 | 143 | (2%) | 1% | 428 | 418 | 2% |
| Capital markets fees | 115 | 90 | 111 | 28% | 4% | 294 | 301 | (2%) |
| Commercial banking revenue | 87 | 79 | 93 | 10% | (6%) | 247 | 267 | (7%) |
| Mortgage banking net revenue | 58 | 56 | 50 | 4% | 16% | 171 | 154 | 11% |
| Other noninterest income (loss) | 29 | 44 | (13) | (34%) | NM | 86 | 18 | 378% |
| Securities gains, net | 10 | 16 | 10 | (38%) |  | 17 | 23 | (26%) |
| Total noninterest income | 781 | 750 | 711 | 4% | 10% | 2224 | 2117 | 5% |
| **Noninterest Expense** |  |  |  |  |  |  |  |  |
| Compensation and benefits | 685 | 698 | 690 | (2%) | (1%) | 2132 | 2099 | 2% |
| Technology and communications | 128 | 126 | 121 | 2% | 6% | 378 | 351 | 8% |
| Net occupancy expense | 89 | 83 | 81 | 7% | 10% | 260 | 251 | 4% |
| Equipment expense | 44 | 41 | 38 | 7% | 16% | 126 | 114 | 11% |
| Loan and lease expense | 39 | 36 | 34 | 8% | 15% | 105 | 96 | 9% |
| Marketing expense | 34 | 43 | 26 | (21%) | 31% | 105 | 92 | 14% |
| Card and processing expense | 22 | 22 | 22 |  |  | 65 | 63 | 3% |
| Other noninterest expense | 226 | 215 | 232 | 5% | (3%) | 664 | 741 | (10%) |
| Total noninterest expense | 1267 | 1264 | 1244 |  | 2% | 3835 | 3807 | 1% |
| **Income Before Income Taxes** | 837 | 808 | 728 | 4% | 15% | 2298 | 2151 | 7% |
| Applicable income tax expense | 188 | 180 | 155 | 4% | 21% | 507 | 457 | 11% |
| **Net Income** | 649 | 628 | 573 | 3% | 13% | 1791 | 1694 | 6% |
| Dividends on preferred stock | 41 | 37 | 41 | 11% |  | 114 | 121 | (6%) |
| **Net Income Available to Common Shareholders** | $608 | $591 | $532 | 3% | 14% | $1677 | $1573 | 7% |

---

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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) | September | June | March | December | September |
|  | 2025 | 2025 | 2025 | 2024 | 2024 |
| **Interest Income** |  |  |  |  |  |
| Interest and fees on loans and leases | $1909 | $1881 | $1816 | $1836 | $1910 |
| Interest on securities | 444 | 458 | 451 | 464 | 461 |
| Interest on other short-term investments | 166 | 145 | 165 | 228 | 298 |
| Total interest income | 2519 | 2484 | 2432 | 2528 | 2669 |
| **Interest Expense** |  |  |  |  |  |
| Interest on deposits | 750 | 732 | 743 | 856 | 968 |
| Interest on federal funds purchased | 2 | 2 | 2 | 3 | 2 |
| Interest on other short-term borrowings | 59 | 59 | 56 | 22 | 40 |
| Interest on long-term debt | 188 | 196 | 194 | 210 | 238 |
| Total interest expense | 999 | 989 | 995 | 1091 | 1248 |
| **Net Interest Income** | 1520 | 1495 | 1437 | 1437 | 1421 |
| Provision for credit losses | 197 | 173 | 174 | 179 | 160 |
| **Net Interest Income After Provision for Credit Losses** | 1323 | 1322 | 1263 | 1258 | 1261 |
| **Noninterest Income** |  |  |  |  |  |
| Wealth and asset management revenue | 181 | 166 | 172 | 163 | 163 |
| Commercial payments revenue | 157 | 152 | 153 | 155 | 154 |
| Consumer banking revenue | 144 | 147 | 137 | 137 | 143 |
| Capital markets fees | 115 | 90 | 90 | 123 | 111 |
| Commercial banking revenue | 87 | 79 | 80 | 109 | 93 |
| Mortgage banking net revenue | 58 | 56 | 57 | 57 | 50 |
| Other noninterest income (loss) | 29 | 44 | 14 | (4) | (13) |
| Securities gains (losses), net | 10 | 16 | (9) | (8) | 10 |
| Total noninterest income | 781 | 750 | 694 | 732 | 711 |
| **Noninterest Expense** |  |  |  |  |  |
| Compensation and benefits | 685 | 698 | 750 | 665 | 690 |
| Technology and communications | 128 | 126 | 123 | 123 | 121 |
| Net occupancy expense | 89 | 83 | 87 | 88 | 81 |
| Equipment expense | 44 | 41 | 42 | 39 | 38 |
| Loan and lease expense | 39 | 36 | 30 | 36 | 34 |
| Marketing expense | 34 | 43 | 28 | 23 | 26 |
| Card and processing expense | 22 | 22 | 21 | 21 | 22 |
| Other noninterest expense | 226 | 215 | 223 | 231 | 232 |
| Total noninterest expense | 1267 | 1264 | 1304 | 1226 | 1244 |
| **Income Before Income Taxes** | 837 | 808 | 653 | 764 | 728 |
| Applicable income tax expense | 188 | 180 | 138 | 144 | 155 |
| **Net Income** | 649 | 628 | 515 | 620 | 573 |
| Dividends on preferred stock | 41 | 37 | 37 | 38 | 41 |
| **Net Income Available to Common Shareholders** | $608 | $591 | $478 | $582 | $532 |

---

------

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Fifth Third Bancorp and Subsidiaries** | | | | | |
| Consolidated Balance Sheets |  |  |  |  |  |
| $ in millions, except per share data | As of | As of | As of | % Change | % Change |
| (unaudited) | September | June | September |  |  |
|  | 2025 | 2025 | 2024 | Seq | Yr/Yr |
| **Assets** |  |  |  |  |  |
| Cash and due from banks | $2901 | $2972 | $3215 | (2%) | (10%) |
| Other short-term investments | 17215 | 13043 | 21729 | 32% | (21%) |
| Available-for-sale debt and other securities<sup>(a)</sup>  | 36461 | 38270 | 40396 | (5%) | (10%) |
| Held-to-maturity securities<sup>(b)</sup>  | 11498 | 11630 | 11358 | (1%) | 1% |
| Trading debt securities | 1266 | 1324 | 1176 | (4%) | 8% |
| Equity securities | 287 | 404 | 428 | (29%) | (33%) |
| Loans and leases held for sale | 576 | 646 | 612 | (11%) | (6%) |
| Portfolio loans and leases: |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial and industrial loans | 53947 | 53312 | 50916 | 1% | 6% |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial mortgage loans | 11932 | 12112 | 11394 | (1%) | 5% |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial construction loans | 5326 | 5551 | 5947 | (4%) | (10%) |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial leases | 3218 | 3177 | 2873 | 1% | 12% |
| Total commercial loans and leases | 74423 | 74152 | 71130 |  | 5% |
| &nbsp;&nbsp;&nbsp;&nbsp;Residential mortgage loans | 17644 | 17681 | 17166 |  | 3% |
| &nbsp;&nbsp;&nbsp;&nbsp;Home equity | 4678 | 4485 | 4074 | 4% | 15% |
| &nbsp;&nbsp;&nbsp;&nbsp;Indirect secured consumer loans | 17885 | 17591 | 15942 | 2% | 12% |
| &nbsp;&nbsp;&nbsp;&nbsp;Credit card | 1692 | 1707 | 1703 | (1%) | (1%) |
| &nbsp;&nbsp;&nbsp;&nbsp;Solar energy installation loans | 4432 | 4316 | 4078 | 3% | 9% |
| &nbsp;&nbsp;&nbsp;&nbsp;Other consumer loans | 2376 | 2464 | 2575 | (4%) | (8%) |
| Total consumer loans | 48707 | 48244 | 45538 | 1% | 7% |
| Portfolio loans and leases | 123130 | 122396 | 116668 | 1% | 6% |
| Allowance for loan and lease losses | (2265) | (2412) | (2305) | (6%) | (2%) |
| Portfolio loans and leases, net | 120865 | 119984 | 114363 | 1% | 6% |
| Bank premises and equipment | 2655 | 2560 | 2425 | 4% | 9% |
| Operating lease equipment | 379 | 344 | 357 | 10% | 6% |
| Goodwill | 4947 | 4918 | 4918 | 1% | 1% |
| Intangible assets | 76 | 75 | 98 | 1% | (22%) |
| Servicing rights | 1601 | 1629 | 1656 | (2%) | (3%) |
| Other assets | 12176 | 12192 | 11587 |  | 5% |
| **Total Assets** | $212903 | $209991 | $214318 | 1% | (1%) |
| **Liabilities** |  |  |  |  |  |
| Deposits: |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Demand | $41830 | $42174 | $41393 | (1%) | 1% |
| &nbsp;&nbsp;&nbsp;&nbsp;Interest checking | 57239 | 55524 | 58727 | 3% | (3%) |
| &nbsp;&nbsp;&nbsp;&nbsp;Savings | 16110 | 16614 | 16990 | (3%) | (5%) |
| &nbsp;&nbsp;&nbsp;&nbsp;Money market | 38748 | 36586 | 37482 | 6% | 3% |
| &nbsp;&nbsp;&nbsp;&nbsp;CDs $250,000 or less | 10667 | 10883 | 10480 | (2%) | 2% |
| &nbsp;&nbsp;&nbsp;&nbsp;CDs over $250,000 | 1975 | 2426 | 3268 | (19%) | (40%) |
| Total deposits | 166569 | 164207 | 168340 | 1% | (1%) |
| Federal funds purchased | 183 | 178 | 169 | 3% | 8% |
| Other short-term borrowings | 5077 | 3393 | 1424 | 50% | 257% |
| Accrued taxes, interest and expenses | 1943 | 1970 | 2034 | (1%) | (4%) |
| Other liabilities | 4347 | 4627 | 4471 | (6%) | (3%) |
| Long-term debt | 13677 | 14492 | 17096 | (6%) | (20%) |
| **Total Liabilities** | 191796 | 188867 | 193534 | 2% | (1%) |
| **Equity** |  |  |  |  |  |
| Common stock<sup>(c)</sup>  | 2051 | 2051 | 2051 |  |  |
| Preferred stock | 1770 | 2116 | 2116 | (16%) | (16%) |
| Capital surplus | 3813 | 3794 | 3784 | 1% | 1% |
| Retained earnings | 25057 | 24718 | 23820 | 1% | 5% |
| Accumulated other comprehensive loss | (3276) | (3546) | (3446) | (8%) | (5%) |
| Treasury stock | (8308) | (8009) | (7541) | 4% | 10% |
| **Total Equity** | 21107 | 21124 | 20784 |  | 2% |
| **Total Liabilities and Equity** | $212903 | $209991 | $214318 | 1% | (1%) |
| *(a) Amortized cost* | *$39617* | *$41731* | *$43754* | *(5%)* | *(9%)* |
| *(b) Market values* | *11506* | *11547* | *11554* | *—* | *—* |
| *(c) Common shares, stated value $2.22 per share (in thousands):* |  |  |  |  |  |
| *Authorized* | *2000000* | *2000000* | *2000000* | *—* | *—* |
| *Outstanding, excluding treasury* | *660973* | *667710* | *676269* | *—* | *—* |
| *Treasury* | *262919* | *256183* | *247624* | *—* | *—* |

---

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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) | September | June | March | December | September |
|  | 2025 | 2025 | 2025 | 2024 | 2024 |
| **Assets** |  |  |  |  |  |
| Cash and due from banks | $2901 | $2972 | $3009 | $3014 | $3215 |
| Other short-term investments | 17215 | 13043 | 14965 | 17120 | 21729 |
| Available-for-sale debt and other securities<sup>(a)</sup> | 36461 | 38270 | 39747 | 39547 | 40396 |
| Held-to-maturity securities<sup>(b)</sup> | 11498 | 11630 | 11185 | 11278 | 11358 |
| Trading debt securities | 1266 | 1324 | 1159 | 1185 | 1176 |
| Equity securities | 287 | 404 | 494 | 341 | 428 |
| Loans and leases held for sale | 576 | 646 | 473 | 640 | 612 |
| Portfolio loans and leases: |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial and industrial loans | 53947 | 53312 | 53700 | 52271 | 50916 |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial mortgage loans | 11932 | 12112 | 12357 | 12246 | 11394 |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial construction loans | 5326 | 5551 | 5952 | 5588 | 5947 |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial leases | 3218 | 3177 | 3128 | 3188 | 2873 |
| Total commercial loans and leases | 74423 | 74152 | 75137 | 73293 | 71130 |
| &nbsp;&nbsp;&nbsp;&nbsp;Residential mortgage loans | 17644 | 17681 | 17581 | 17543 | 17166 |
| &nbsp;&nbsp;&nbsp;&nbsp;Home equity | 4678 | 4485 | 4265 | 4188 | 4074 |
| &nbsp;&nbsp;&nbsp;&nbsp;Indirect secured consumer loans | 17885 | 17591 | 16804 | 16313 | 15942 |
| &nbsp;&nbsp;&nbsp;&nbsp;Credit card | 1692 | 1707 | 1660 | 1734 | 1703 |
| &nbsp;&nbsp;&nbsp;&nbsp;Solar energy installation loans | 4432 | 4316 | 4262 | 4202 | 4078 |
| &nbsp;&nbsp;&nbsp;&nbsp;Other consumer loans | 2376 | 2464 | 2482 | 2518 | 2575 |
| Total consumer loans | 48707 | 48244 | 47054 | 46498 | 45538 |
| Portfolio loans and leases | 123130 | 122396 | 122191 | 119791 | 116668 |
| Allowance for loan and lease losses | (2265) | (2412) | (2384) | (2352) | (2305) |
| Portfolio loans and leases, net | 120865 | 119984 | 119807 | 117439 | 114363 |
| Bank premises and equipment | 2655 | 2560 | 2506 | 2475 | 2425 |
| Operating lease equipment | 379 | 344 | 314 | 319 | 357 |
| Goodwill | 4947 | 4918 | 4918 | 4918 | 4918 |
| Intangible assets | 76 | 75 | 82 | 90 | 98 |
| Servicing rights | 1601 | 1629 | 1663 | 1704 | 1656 |
| Other assets | 12176 | 12192 | 12347 | 12857 | 11587 |
| **Total Assets** | $212903 | $209991 | $212669 | $212927 | $214318 |
| **Liabilities** |  |  |  |  |  |
| Deposits: |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Demand | $41830 | $42174 | $40855 | $41038 | $41393 |
| &nbsp;&nbsp;&nbsp;&nbsp;Interest checking | 57239 | 55524 | 58420 | 59306 | 58727 |
| &nbsp;&nbsp;&nbsp;&nbsp;Savings | 16110 | 16614 | 17583 | 17147 | 16990 |
| &nbsp;&nbsp;&nbsp;&nbsp;Money market | 38748 | 36586 | 36505 | 36605 | 37482 |
| &nbsp;&nbsp;CDs $250,000 or less | 10667 | 10883 | 10248 | 10798 | 10480 |
| &nbsp;&nbsp;CDs over $250,000 | 1975 | 2426 | 1894 | 2358 | 3268 |
| Total deposits | 166569 | 164207 | 165505 | 167252 | 168340 |
| Federal funds purchased | 183 | 178 | 227 | 204 | 169 |
| Other short-term borrowings | 5077 | 3393 | 5457 | 4450 | 1424 |
| Accrued taxes, interest and expenses | 1943 | 1970 | 1722 | 2137 | 2034 |
| Other liabilities | 4347 | 4627 | 4816 | 4902 | 4471 |
| Long-term debt | 13677 | 14492 | 14539 | 14337 | 17096 |
| **Total Liabilities** | 191796 | 188867 | 192266 | 193282 | 193534 |
| **Equity** |  |  |  |  |  |
| Common stock<sup>(c)</sup> | 2051 | 2051 | 2051 | 2051 | 2051 |
| Preferred stock | 1770 | 2116 | 2116 | 2116 | 2116 |
| Capital surplus | 3813 | 3794 | 3773 | 3804 | 3784 |
| Retained earnings | 25057 | 24718 | 24377 | 24150 | 23820 |
| Accumulated other comprehensive loss | (3276) | (3546) | (3895) | (4636) | (3446) |
| Treasury stock | (8308) | (8009) | (8019) | (7840) | (7541) |
| **Total Equity** | 21107 | 21124 | 20403 | 19645 | 20784 |
| **Total Liabilities and Equity** | $212903 | $209991 | $212669 | $212927 | $214318 |
| *(a) Amortized cost* | *$39617* | *$41731* | *$43445* | *$43878* | *$43754* |
| *(b) Market values* | *11506* | *11547* | *11072* | *10965* | *11554* |
| *(c) Common shares, stated value $2.22 per share (in thousands):* |  |  |  |  |  |
| *Authorized* | *2000000* | *2000000* | *2000000* | *2000000* | *2000000* |
| *Outstanding, excluding treasury* | *660973* | *667710* | *667272* | *669854* | *676269* |
| *Treasury* | *262919* | *256183* | *256621* | *254039* | *247624* |

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| | | | | |
|:---|:---|:---|:---|:---|
| **Fifth Third Bancorp and Subsidiaries** | | | | |
| Consolidated Statements of Changes in Equity |  |  |  |  |
| $ in millions |  |  |  |  |
| (unaudited) |  |  |  |  |
|  | For the Three Months Ended | For the Three Months Ended | Year to Date | Year to Date |
|  | September | September | September | September |
|  | 2025 | 2024 | 2025 | 2024 |
| **Total Equity, Beginning** | $21124 | $19226 | $19645 | $19172 |
| Net income | 649 | 573 | 1791 | 1694 |
| Other comprehensive income, net of tax: |  |  |  |  |
| &nbsp;&nbsp;&nbsp;Change in unrealized gains: |  |  |  |  |
| Available-for-sale debt securities | 230 | 953 | 890 | 776 |
| Qualifying cash flow hedges | 14 | 473 | 397 | 186 |
| &nbsp;&nbsp;&nbsp;Amortization of unrealized losses on securities transferred to held-to-maturity | 25 | 26 | 72 | 76 |
| &nbsp;&nbsp;&nbsp;Change in accumulated other comprehensive income related to employee benefit plans | 1 | 1 | 1 | 1 |
| &nbsp;&nbsp;&nbsp;Other |  | 2 |  | 2 |
| Comprehensive income | 919 | 2028 | 3151 | 2735 |
| Cash dividends declared: |  |  |  |  |
| Common stock | (269) | (254) | (770) | (740) |
| Preferred stock | (37) | (41) | (110) | (121) |
| Impact of stock transactions under stock compensation plans, net | 23 | 27 | 70 | 75 |
| Shares acquired for treasury | (303) | (202) | (529) | (327) |
| Redemption of preferred stock | (350) |  | (350) |  |
| Impact of cumulative effect of change in accounting principle |  |  |  | (10) |
| **Total Equity, Ending** | $21107 | $20784 | $21107 | $20784 |

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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 | September | September | June | June | September | September |
| (unaudited) | 2025 | 2025 | 2025 | 2025 | 2024 | 2024 |
|  | Average | Average | Average | Average | Average | Average |
|  | Balance | Yield/Rate | Balance | Yield/Rate | Balance | Yield/Rate |
| **Assets** |  |  |  |  |  |  |
| Interest-earning assets: |  |  |  |  |  |  |
| Loans and leases: |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial and industrial loans<sup>(a)</sup> | $54196 | 6.20% | $54109 | 6.28% | $51630 | 7.15% |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial mortgage loans<sup>(a)</sup> | 12043 | 6.26% | 12420 | 6.12% | 11488 | 6.26% |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial construction loans<sup>(a)</sup> | 5541 | 7.17% | 5810 | 7.17% | 5982 | 7.14% |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial leases<sup>(a)</sup> | 3177 | 4.70% | 3121 | 4.83% | 2686 | 4.53% |
| Total commercial loans and leases | 74957 | 6.22% | 75460 | 6.26% | 71786 | 6.91% |
| &nbsp;&nbsp;&nbsp;&nbsp;Residential mortgage loans | 18279 | 4.03% | 18156 | 3.98% | 17604 | 3.71% |
| &nbsp;&nbsp;&nbsp;&nbsp;Home equity | 4580 | 7.43% | 4383 | 7.42% | 4018 | 8.40% |
| &nbsp;&nbsp;&nbsp;&nbsp;Indirect secured consumer loans | 17729 | 5.65% | 17248 | 5.63% | 15680 | 5.42% |
| &nbsp;&nbsp;&nbsp;&nbsp;Credit card | 1678 | 14.26% | 1659 | 14.33% | 1708 | 14.00% |
| &nbsp;&nbsp;&nbsp;&nbsp;Solar energy installation loans | 4355 | 8.76% | 4268 | 8.10% | 3990 | 8.12% |
| &nbsp;&nbsp;&nbsp;&nbsp;Other consumer loans | 2415 | 9.25% | 2483 | 9.09% | 2629 | 9.37% |
| Total consumer loans | 49036 | 5.96% | 48197 | 5.87% | 45629 | 5.81% |
| Total loans and leases | 123993 | 6.12% | 123657 | 6.11% | 117415 | 6.48% |
| Securities: |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;Taxable securities | 53244 | 3.25% | 54896 | 3.29% | 55329 | 3.25% |
| &nbsp;&nbsp;&nbsp;Tax exempt securities<sup>(a)</sup> | 1348 | 3.18% | 1347 | 3.19% | 1378 | 3.30% |
| Other short-term investments | 14915 | 4.43% | 12782 | 4.56% | 21714 | 5.47% |
| Total interest-earning assets | 193500 | 5.18% | 192682 | 5.18% | 195836 | 5.43% |
| Cash and due from banks | 2485 |  | 2437 |  | 2664 |  |
| Other assets | 18196 |  | 17819 |  | 17626 |  |
| Allowance for loan and lease losses | (2411) |  | (2384) |  | (2288) |  |
| **Total Assets** | $211770 |  | $210554 |  | $213838 |  |
| **Liabilities** |  |  |  |  |  |  |
| Interest-bearing liabilities: |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Interest checking deposits | $56624 | 2.72% | $56738 | 2.69% | $58605 | 3.38% |
| &nbsp;&nbsp;&nbsp;&nbsp;Savings deposits | 16376 | 0.46% | 16962 | 0.48% | 17272 | 0.71% |
| &nbsp;&nbsp;&nbsp;&nbsp;Money market deposits | 37434 | 2.40% | 36296 | 2.40% | 37257 | 3.06% |
| &nbsp;&nbsp;&nbsp;&nbsp;CDs $250,000 or less | 10841 | 3.46% | 10494 | 3.52% | 10543 | 4.07% |
| Total interest-bearing core deposits | 121275 | 2.38% | 120490 | 2.36% | 123677 | 2.97% |
| &nbsp;&nbsp;&nbsp;&nbsp;CDs over $250,000 | 2244 | 4.00% | 2200 | 4.07% | 3499 | 5.08% |
| Total interest-bearing deposits | 123519 | 2.41% | 122690 | 2.39% | 127176 | 3.03% |
| &nbsp;&nbsp;&nbsp;&nbsp;Federal funds purchased | 198 | 4.35% | 206 | 4.39% | 176 | 5.34% |
| &nbsp;&nbsp;&nbsp;&nbsp;Securities sold under repurchase agreements | 376 | 1.65% | 353 | 1.16% | 396 | 2.36% |
| &nbsp;&nbsp;&nbsp;&nbsp;FHLB advances | 4920 | 4.51% | 4976 | 4.59% | 2576 | 5.59% |
| &nbsp;&nbsp;&nbsp;&nbsp;Derivative collateral and other secured borrowings | 82 | 6.13% | 89 | 5.61% | 52 | 14.76% |
| &nbsp;&nbsp;&nbsp;&nbsp;Long-term debt | 14001 | 5.31% | 14599 | 5.36% | 16716 | 5.65% |
| Total interest-bearing liabilities | 143096 | 2.77% | 142913 | 2.78% | 147092 | 3.38% |
| Demand deposits | 41235 |  | 40885 |  | 40020 |  |
| Other liabilities | 6223 |  | 6086 |  | 6475 |  |
| **Total Liabilities** | 190554 |  | 189884 |  | 193587 |  |
| **Total Equity** | 21216 |  | 20670 |  | 20251 |  |
| **Total Liabilities and Equity** | $211770 |  | $210554 |  | $213838 |  |
| **Ratios:** |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Net interest margin (FTE)<sup>(b)</sup> |  | 3.13% |  | 3.12% |  | 2.90% |
| &nbsp;&nbsp;&nbsp;&nbsp;Net interest rate spread (FTE)<sup>(b)</sup> |  | 2.41% |  | 2.40% |  | 2.05% |
| &nbsp;&nbsp;&nbsp;&nbsp;Interest-bearing liabilities to interest-earning assets |  | 73.95% |  | 74.17% |  | 75.11% |
| *(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 27.* | *(b) Non-GAAP measure; see discussion and reconciliation of non-GAAP measures beginning on page 27.* | *(b) Non-GAAP measure; see discussion and reconciliation of non-GAAP measures beginning on page 27.* | *(b) Non-GAAP measure; see discussion and reconciliation of non-GAAP measures beginning on page 27.* | *(b) Non-GAAP measure; see discussion and reconciliation of non-GAAP measures beginning on page 27.* | *(b) Non-GAAP measure; see discussion and reconciliation of non-GAAP measures beginning on page 27.* |  |

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| | | | | |
|:---|:---|:---|:---|:---|
| **Fifth Third Bancorp and Subsidiaries** | | | | |
| Average Balance Sheets and Yield/Rate Analysis | Year to Date | Year to Date | Year to Date | Year to Date |
| $ in millions | September | September | September | September |
| (unaudited) | 2025 | 2025 | 2024 | 2024 |
|  | Average | Average | Average | Average |
|  | Balance | Yield/Rate | Balance | Yield/Rate |
| **Assets** |  |  |  |  |
| Interest-earning assets: |  |  |  |  |
| Loans and leases: |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial and industrial loans<sup>(a)</sup> | $53916 | 6.23% | $52423 | 7.12% |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial mortgage loans<sup>(a)</sup> | 12282 | 6.12% | 11394 | 6.27% |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial construction loans<sup>(a)</sup> | 5720 | 7.09% | 5877 | 7.16% |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial leases<sup>(a)</sup> | 3136 | 4.77% | 2602 | 4.37% |
| Total commercial loans and leases | 75054 | 6.22% | 72296 | 6.89% |
| &nbsp;&nbsp;&nbsp;&nbsp;Residential mortgage loans | 18139 | 3.99% | 17412 | 3.64% |
| &nbsp;&nbsp;&nbsp;&nbsp;Home equity | 4396 | 7.47% | 3960 | 8.35% |
| &nbsp;&nbsp;&nbsp;&nbsp;Indirect secured consumer loans | 17156 | 5.62% | 15410 | 5.18% |
| &nbsp;&nbsp;&nbsp;&nbsp;Credit card | 1655 | 14.44% | 1736 | 13.53% |
| &nbsp;&nbsp;&nbsp;&nbsp;Solar energy installation loans | 4282 | 8.30% | 3900 | 8.08% |
| &nbsp;&nbsp;&nbsp;&nbsp;Other consumer loans | 2465 | 9.24% | 2752 | 9.16% |
| Total consumer loans | 48093 | 5.90% | 45170 | 5.68% |
| Total loans and leases | 123147 | 6.09% | 117466 | 6.43% |
| Securities: |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Taxable securities | 54441 | 3.26% | 55196 | 3.26% |
| &nbsp;&nbsp;&nbsp;&nbsp;Tax exempt securities<sup>(a)</sup> | 1362 | 3.18% | 1395 | 3.28% |
| Other short-term investments | 14050 | 4.54% | 21174 | 5.57% |
| Total interest-earning assets | 193000 | 5.16% | 195231 | 5.42% |
| Cash and due from banks | 2437 |  | 2681 |  |
| Other assets | 17911 |  | 17571 |  |
| Allowance for loan and lease losses | (2383) |  | (2309) |  |
| **Total Assets** | $210965 |  | $213174 |  |
| **Liabilities** |  |  |  |  |
| Interest-bearing liabilities: |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Interest checking deposits | $57103 | 2.70% | $58528 | 3.38% |
| &nbsp;&nbsp;&nbsp;&nbsp;Savings deposits | 16852 | 0.49% | 17707 | 0.69% |
| &nbsp;&nbsp;&nbsp;&nbsp;Money market deposits | 36731 | 2.41% | 35791 | 2.99% |
| &nbsp;&nbsp;&nbsp;&nbsp;CDs $250,000 or less | 10574 | 3.54% | 10518 | 4.15% |
| Total interest-bearing core deposits | 121260 | 2.38% | 122544 | 2.95% |
| &nbsp;&nbsp;&nbsp;&nbsp;CDs over $250,000 | 2263 | 4.17% | 4585 | 5.16% |
| Total interest-bearing deposits | 123523 | 2.41% | 127129 | 3.03% |
| &nbsp;&nbsp;&nbsp;&nbsp;Federal funds purchased | 199 | 4.37% | 202 | 5.39% |
| &nbsp;&nbsp;&nbsp;&nbsp;Securities sold under repurchase agreements | 339 | 1.27% | 378 | 2.06% |
| &nbsp;&nbsp;&nbsp;&nbsp;FHLB advances | 4888 | 4.57% | 2949 | 5.68% |
| &nbsp;&nbsp;&nbsp;&nbsp;Derivative collateral and other secured borrowings | 85 | 6.06% | 55 | 9.50% |
| &nbsp;&nbsp;&nbsp;&nbsp;Long-term debt | 14393 | 5.35% | 15951 | 5.71% |
| Total interest-bearing liabilities | 143427 | 2.78% | 146664 | 3.37% |
| Demand deposits | 40641 |  | 40374 |  |
| Other liabilities | 6264 |  | 6904 |  |
| **Total Liabilities** | 190332 |  | 193942 |  |
| **Total Equity** | 20633 |  | 19232 |  |
| **Total Liabilities and Equity** | $210965 |  | $213174 |  |
| **Ratios:** |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Net interest margin (FTE)<sup>(b)</sup> |  | 3.10% |  | 2.88% |
| &nbsp;&nbsp;&nbsp;&nbsp;Net interest rate spread (FTE)<sup>(b)</sup> |  | 2.38% |  | 2.05% |
| &nbsp;&nbsp;&nbsp;&nbsp;Interest-bearing liabilities to interest-earning assets |  | 74.31% |  | 75.12% |
| *(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 27.* | *(b) Non-GAAP measure; see discussion and reconciliation of non-GAAP measures beginning on page 27.* | *(b) Non-GAAP measure; see discussion and reconciliation of non-GAAP measures beginning on page 27.* | *(b) Non-GAAP measure; see discussion and reconciliation of non-GAAP measures beginning on page 27.* | *(b) Non-GAAP measure; see discussion and reconciliation of non-GAAP measures beginning on page 27.* |

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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) | September | June | March | December | September |
|  | 2025 | 2025 | 2025 | 2024 | 2024 |
| **Average Portfolio Loans and Leases** |  |  |  |  |  |
| Commercial loans and leases: |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial and industrial loans | $54170 | $54075 | $53401 | $51567 | $51615 |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial mortgage loans | 12027 | 12410 | 12368 | 11792 | 11488 |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial construction loans | 5541 | 5810 | 5797 | 5702 | 5981 |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial leases | 3177 | 3120 | 3110 | 2902 | 2685 |
| Total commercial loans and leases | 74915 | 75415 | 74676 | 71963 | 71769 |
| Consumer loans: |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Residential mortgage loans | 17656 | 17615 | 17552 | 17322 | 17031 |
| &nbsp;&nbsp;&nbsp;&nbsp;Home equity | 4579 | 4383 | 4222 | 4125 | 4018 |
| &nbsp;&nbsp;&nbsp;&nbsp;Indirect secured consumer loans | 17729 | 17248 | 16476 | 16100 | 15680 |
| &nbsp;&nbsp;&nbsp;&nbsp;Credit card | 1678 | 1659 | 1627 | 1668 | 1708 |
| &nbsp;&nbsp;&nbsp;&nbsp;Solar energy installation loans | 4355 | 4268 | 4221 | 4137 | 3990 |
| &nbsp;&nbsp;&nbsp;&nbsp;Other consumer loans | 2414 | 2483 | 2498 | 2545 | 2630 |
| Total consumer loans | 48411 | 47656 | 46596 | 45897 | 45057 |
| Total average portfolio loans and leases | $123326 | $123071 | $121272 | $117860 | $116826 |
| **Average Loans and Leases Held for Sale** |  |  |  |  |  |
| Commercial loans and leases held for sale | $44 | $45 | $64 | $48 | $16 |
| Consumer loans held for sale | 623 | 541 | 428 | 584 | 573 |
| Average loans and leases held for sale | $667 | $586 | $492 | $632 | $589 |
| **End of Period Portfolio Loans and Leases** |  |  |  |  |  |
| Commercial loans and leases: |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial and industrial loans | $53947 | $53312 | $53700 | $52271 | $50916 |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial mortgage loans | 11932 | 12112 | 12357 | 12246 | 11394 |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial construction loans | 5326 | 5551 | 5952 | 5588 | 5947 |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial leases | 3218 | 3177 | 3128 | 3188 | 2873 |
| Total commercial loans and leases | 74423 | 74152 | 75137 | 73293 | 71130 |
| Consumer loans: |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Residential mortgage loans | 17644 | 17681 | 17581 | 17543 | 17166 |
| &nbsp;&nbsp;&nbsp;&nbsp;Home equity | 4678 | 4485 | 4265 | 4188 | 4074 |
| &nbsp;&nbsp;&nbsp;&nbsp;Indirect secured consumer loans | 17885 | 17591 | 16804 | 16313 | 15942 |
| &nbsp;&nbsp;&nbsp;&nbsp;Credit card | 1692 | 1707 | 1660 | 1734 | 1703 |
| &nbsp;&nbsp;&nbsp;&nbsp;Solar energy installation loans | 4432 | 4316 | 4262 | 4202 | 4078 |
| &nbsp;&nbsp;&nbsp;&nbsp;Other consumer loans | 2376 | 2464 | 2482 | 2518 | 2575 |
| Total consumer loans | 48707 | 48244 | 47054 | 46498 | 45538 |
| Total portfolio loans and leases | $123130 | $122396 | $122191 | $119791 | $116668 |
| **End of Period Loans and Leases Held for Sale** |  |  |  |  |  |
| Commercial loans and leases held for sale | $8 | $74 | $28 | $66 | $100 |
| Consumer loans held for sale | 568 | 572 | 445 | 574 | 512 |
| Loans and leases held for sale | $576 | $646 | $473 | $640 | $612 |
| Operating lease equipment | $379 | $344 | $314 | $319 | $357 |
| **Loans and Leases Serviced for Others**<sup>(a)</sup> |  |  |  |  |  |
| Commercial and industrial loans | $1206 | $1166 | $1104 | $1071 | $1178 |
| Commercial mortgage loans | 558 | 601 | 603 | 579 | 515 |
| Commercial construction loans | 304 | 333 | 367 | 348 | 342 |
| Commercial leases | 764 | 757 | 755 | 725 | 773 |
| Residential mortgage loans | 89639 | 91201 | 92769 | 94225 | 95808 |
| Solar energy installation loans | 692 | 557 | 575 | 593 | 610 |
| Other consumer loans | 98 | 105 | 112 | 119 | 126 |
| Total loans and leases serviced for others | 93261 | 94720 | 96285 | 97660 | 99352 |
| Total loans and leases owned or serviced | $217346 | $218106 | $219263 | $218410 | $216989 |

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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) | September | June | March | December | September |
|  | 2025<sup>(a)</sup> | 2025 | 2025 | 2024 | 2024 |
| **Regulatory Capital**<sup>(b)</sup> |  |  |  |  |  |
| CET1 capital | $17646 | $17616 | $17239 | $17339 | $17272 |
| Additional tier 1 capital | 1770 | 2116 | 2116 | 2116 | 2116 |
| Tier 1 capital | 19416 | 19732 | 19355 | 19455 | 19388 |
| Tier 2 capital | 3209 | 3197 | 3175 | 3291 | 3303 |
| Total regulatory capital | $22625 | $22929 | $22530 | $22746 | $22691 |
| Risk-weighted assets | $167415 | $166517 | $165326 | $164102 | $160604 |
| **Ratios** |  |  |  |  |  |
| Average total Bancorp shareholders' equity as a percent of average assets | 10.02% | 9.82% | 9.50% | 9.40% | 9.47% |
| **Regulatory Capital Ratios**<sup>(b)</sup> |  |  |  |  |  |
| Fifth Third Bancorp |  |  |  |  |  |
| CET1 capital | 10.54% | 10.58% | 10.43% | 10.57% | 10.75% |
| Tier 1 risk-based capital | 11.60% | 11.85% | 11.71% | 11.86% | 12.07% |
| Total risk-based capital | 13.51% | 13.77% | 13.63% | 13.86% | 14.13% |
| Leverage | 9.24% | 9.42% | 9.23% | 9.22% | 9.11% |
| Fifth Third Bank, National Association |  |  |  |  |  |
| Tier 1 risk-based capital | 12.92% | 12.87% | 12.78% | 12.86% | 12.99% |
| Total risk-based capital | 14.16% | 14.12% | 14.02% | 14.19% | 14.32% |
| Leverage | 10.30% | 10.25% | 10.10% | 10.02% | 9.82% |

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

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

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Fifth Third Bancorp and Subsidiaries** | | | | | |
| Summary of Credit Loss Experience |  |  |  |  |  |
| $ in millions | For the Three Months Ended | For the Three Months Ended | For the Three Months Ended | For the Three Months Ended | For the Three Months Ended |
| (unaudited) | September | June | March | December | September |
|  | 2025 | 2025 | 2025 | 2024 | 2024 |
| Average portfolio loans and leases: |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial and industrial loans | $54170 | $54075 | $53401 | $51567 | $51615 |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial mortgage loans | 12027 | 12410 | 12368 | 11792 | 11488 |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial construction loans | 5541 | 5810 | 5797 | 5702 | 5981 |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial leases | 3177 | 3120 | 3110 | 2902 | 2685 |
| Total commercial loans and leases | 74915 | 75415 | 74676 | 71963 | 71769 |
| &nbsp;&nbsp;&nbsp;&nbsp;Residential mortgage loans | 17656 | 17615 | 17552 | 17322 | 17031 |
| &nbsp;&nbsp;&nbsp;&nbsp;Home equity | 4579 | 4383 | 4222 | 4125 | 4018 |
| &nbsp;&nbsp;&nbsp;&nbsp;Indirect secured consumer loans | 17729 | 17248 | 16476 | 16100 | 15680 |
| &nbsp;&nbsp;&nbsp;&nbsp;Credit card | 1678 | 1659 | 1627 | 1668 | 1708 |
| &nbsp;&nbsp;&nbsp;&nbsp;Solar energy installation loans | 4355 | 4268 | 4221 | 4137 | 3990 |
| &nbsp;&nbsp;&nbsp;&nbsp;Other consumer loans | 2414 | 2483 | 2498 | 2545 | 2630 |
| Total consumer loans | 48411 | 47656 | 46596 | 45897 | 45057 |
| Total average portfolio loans and leases | $123326 | $123071 | $121272 | $117860 | $116826 |
| Losses charged-off: |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial and industrial loans | ($280) | ($84) | ($54) | ($61) | ($80) |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial mortgage loans | (2) | (4) | (11) |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial construction loans |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial leases |  | (2) | (2) | (2) |  |
| Total commercial loans and leases | (282) | (90) | (67) | (63) | (80) |
| &nbsp;&nbsp;&nbsp;&nbsp;Residential mortgage loans |  |  |  | (1) |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Home equity | (1) | (2) | (2) | (2) | (1) |
| &nbsp;&nbsp;&nbsp;&nbsp;Indirect secured consumer loans | (34) | (33) | (36) | (39) | (35) |
| &nbsp;&nbsp;&nbsp;&nbsp;Credit card | (20) | (20) | (22) | (21) | (21) |
| &nbsp;&nbsp;&nbsp;&nbsp;Solar energy installation loans | (20) | (23) | (21) | (20) | (16) |
| &nbsp;&nbsp;&nbsp;&nbsp;Other consumer loans | (25) | (26) | (25) | (29) | (30) |
| Total consumer loans | (100) | (104) | (106) | (112) | (103) |
| Total losses charged-off | ($382) | ($194) | ($173) | ($175) | ($183) |
| Recoveries of losses previously charged-off: |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial and industrial loans | $6 | $15 | $2 | $6 | $8 |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial mortgage loans | 1 | 1 | 1 |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial construction loans |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial leases |  | 3 |  |  |  |
| Total commercial loans and leases | 7 | 19 | 3 | 6 | 8 |
| &nbsp;&nbsp;&nbsp;&nbsp;Residential mortgage loans | 1 | 1 |  | 1 | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp;Home equity | 2 | 2 | 2 | 2 | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp;Indirect secured consumer loans | 16 | 17 | 15 | 12 | 13 |
| &nbsp;&nbsp;&nbsp;&nbsp;Credit card | 4 | 5 | 5 | 4 | 5 |
| &nbsp;&nbsp;&nbsp;&nbsp;Solar energy installation loans | 4 | 3 | 3 | 3 | 2 |
| &nbsp;&nbsp;&nbsp;&nbsp;Other consumer loans | 9 | 8 | 9 | 11 | 11 |
| Total consumer loans | 36 | 36 | 34 | 33 | 33 |
| Total recoveries of losses previously charged-off | $43 | $55 | $37 | $39 | $41 |
| Net losses charged-off: |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial and industrial loans | ($274) | ($69) | ($52) | ($55) | ($72) |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial mortgage loans | (1) | (3) | (10) |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial construction loans |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial leases |  | 1 | (2) | (2) |  |
| Total commercial loans and leases | (275) | (71) | (64) | (57) | (72) |
| &nbsp;&nbsp;&nbsp;&nbsp;Residential mortgage loans | 1 | 1 |  |  | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp;Home equity | 1 |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Indirect secured consumer loans | (18) | (16) | (21) | (27) | (22) |
| &nbsp;&nbsp;&nbsp;&nbsp;Credit card | (16) | (15) | (17) | (17) | (16) |
| &nbsp;&nbsp;&nbsp;&nbsp;Solar energy installation loans | (16) | (20) | (18) | (17) | (14) |
| &nbsp;&nbsp;&nbsp;&nbsp;Other consumer loans | (16) | (18) | (16) | (18) | (19) |
| Total consumer loans | (64) | (68) | (72) | (79) | (70) |
| Total net losses charged-off | ($339) | ($139) | ($136) | ($136) | ($142) |
| Net losses charged-off as a percent of average portfolio loans and leases (annualized): |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial and industrial loans | 2.01% | 0.51% | 0.39% | 0.42% | 0.55% |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial mortgage loans | 0.04% | 0.11% | 0.34% | 0.01% |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial construction loans |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial leases | (0.04%) | (0.10%) | 0.29% | 0.32% | (0.01%) |
| Total commercial loans and leases | 1.46% | 0.38% | 0.35% | 0.32% | 0.40% |
| &nbsp;&nbsp;&nbsp;&nbsp;Residential mortgage loans | (0.02%) | (0.01%) |  | (0.01%) | (0.02%) |
| &nbsp;&nbsp;&nbsp;&nbsp;Home equity | (0.05%) | 0.02% | 0.04% | (0.01%) | (0.02%) |
| &nbsp;&nbsp;&nbsp;&nbsp;Indirect secured consumer loans | 0.40% | 0.37% | 0.53% | 0.66% | 0.54% |
| &nbsp;&nbsp;&nbsp;&nbsp;Credit card | 3.70% | 3.74% | 4.19% | 4.00% | 3.74% |
| &nbsp;&nbsp;&nbsp;&nbsp;Solar energy installation loans | 1.47% | 1.86% | 1.73% | 1.64% | 1.44% |
| &nbsp;&nbsp;&nbsp;&nbsp;Other consumer loans | 2.51% | 2.49% | 2.52% | 2.84% | 3.00% |
| Total consumer loans | 0.52% | 0.56% | 0.63% | 0.68% | 0.62% |
| Total net losses charged-off as a percent of average portfolio loans and leases (annualized) | 1.09% | 0.45% | 0.46% | 0.46% | 0.48% |

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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) | September | June | March | December | September |
|  | 2025 | 2025 | 2025 | 2024 | 2024 |
| **Allowance for Credit Losses** |  |  |  |  |  |
| Allowance for loan and lease losses, beginning | $2412 | $2384 | $2352 | $2305 | $2288 |
| &nbsp;&nbsp;&nbsp;&nbsp;Total net losses charged-off | (339) | (139) | (136) | (136) | (142) |
| &nbsp;&nbsp;&nbsp;Provision for loan and lease losses | 192 | 167 | 168 | 183 | 159 |
| Allowance for loan and lease losses, ending | $2265 | $2412 | $2384 | $2352 | $2305 |
| Reserve for unfunded commitments, beginning | $146 | $140 | $134 | $138 | $137 |
| Provision for (benefit from) the reserve for unfunded commitments | 5 | 6 | 6 | (4) | 1 |
| Reserve for unfunded commitments, ending | $151 | $146 | $140 | $134 | $138 |
| Components of allowance for credit losses: |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Allowance for loan and lease losses | $2265 | $2412 | $2384 | $2352 | $2305 |
| &nbsp;&nbsp;&nbsp;&nbsp;Reserve for unfunded commitments | 151 | 146 | 140 | 134 | 138 |
| Total allowance for credit losses | $2416 | $2558 | $2524 | $2486 | $2443 |
|  | As of | As of | As of | As of | As of |
|  | September | June | March | December | September |
|  | 2025 | 2025 | 2025 | 2024 | 2024 |
| **Nonperforming Assets and Delinquent Loans** |  |  |  |  |  |
| Nonaccrual portfolio loans and leases: |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial and industrial loans | $393 | $460 | $537 | $374 | $255 |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial mortgage loans | 42 | 48 | 70 | 79 | 78 |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial construction loans |  |  |  | 1 | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial leases |  |  | 16 | 2 |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Residential mortgage loans | 142 | 143 | 145 | 137 | 131 |
| &nbsp;&nbsp;&nbsp;&nbsp;Home equity | 72 | 75 | 69 | 70 | 67 |
| &nbsp;&nbsp;&nbsp;&nbsp;Indirect secured consumer loans | 61 | 65 | 60 | 55 | 50 |
| &nbsp;&nbsp;&nbsp;&nbsp;Credit card | 29 | 29 | 31 | 32 | 31 |
| &nbsp;&nbsp;&nbsp;&nbsp;Solar energy installation loans | 22 | 26 | 30 | 64 | 64 |
| &nbsp;&nbsp;&nbsp;&nbsp;Other consumer loans | 7 | 7 | 8 | 9 | 9 |
| Total nonaccrual portfolio loans and leases | 768 | 853 | 966 | 823 | 686 |
| Repossessed property | 12 | 8 | 9 | 9 | 11 |
| OREO | 21 | 25 | 21 | 21 | 28 |
| Total nonperforming portfolio loans and leases and OREO | 801 | 886 | 996 | 853 | 725 |
| Nonaccrual loans held for sale | 4 | 27 | 21 | 7 | 8 |
| Total nonperforming assets | $805 | $913 | $1017 | $860 | $733 |
| Loans and leases 90 days past due (accrual): |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial and industrial loans | $2 | $5 | $2 | $5 | $10 |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial mortgage loans |  | 3 | 6 |  | 3 |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial leases |  |  |  | 1 | 1 |
| Total commercial loans and leases | 2 | 8 | 8 | 6 | 14 |
| &nbsp;&nbsp;&nbsp;&nbsp;Residential mortgage loans<sup>(c)</sup> | 11 | 8 | 8 | 6 | 8 |
| &nbsp;&nbsp;&nbsp;&nbsp;Credit card | 16 | 18 | 17 | 20 | 18 |
| Total consumer loans | 27 | 26 | 25 | 26 | 26 |
| Total loans and leases 90 days past due (accrual)<sup>(b)</sup> | $29 | $34 | $33 | $32 | $40 |
| **Ratios** |  |  |  |  |  |
| Net losses charged-off as a percent of average portfolio loans and leases (annualized) | 1.09% | 0.45% | 0.46% | 0.46% | 0.48% |
| Allowance for credit losses: |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;As a percent of portfolio loans and leases | 1.96% | 2.09% | 2.07% | 2.08% | 2.09% |
| &nbsp;&nbsp;&nbsp;&nbsp;As a percent of nonperforming portfolio loans and leases<sup>(a)</sup> | 314% | 300% | 261% | 302% | 356% |
| &nbsp;&nbsp;&nbsp;&nbsp;As a percent of nonperforming portfolio assets<sup>(a)</sup>  | 302% | 289% | 253% | 291% | 337% |
| Nonperforming portfolio loans and leases as a percent of portfolio loans and leases<sup>(a)</sup> | 0.62% | 0.70% | 0.79% | 0.69% | 0.59% |
| Nonperforming portfolio assets as a percent of portfolio loans and leases and OREO<sup>(a)</sup> | 0.65% | 0.72% | 0.81% | 0.71% | 0.62% |
| Nonperforming assets as a percent of total loans and leases, OREO, and repossessed property | 0.65% | 0.74% | 0.83% | 0.71% | 0.62% |
| *(a) Excludes nonaccrual loans held for sale.* | *(a) Excludes nonaccrual loans held for sale.* | *(a) Excludes nonaccrual loans held for sale.* | *(a) Excludes nonaccrual loans held for sale.* | *(a) Excludes nonaccrual loans held for sale.* | *(a) Excludes nonaccrual loans held for sale.* |
| *(b) Excludes loans held for sale.* | *(b) Excludes loans held for sale.* | *(b) Excludes loans held for sale.* | *(b) Excludes loans held for sale.* | *(b) Excludes loans held for sale.* | *(b) Excludes loans held for sale.* |
| *(c) Excludes government guaranteed residential mortgage loans.* | *(c) Excludes government guaranteed residential mortgage loans.* | *(c) Excludes government guaranteed residential mortgage loans.* | *(c) Excludes government guaranteed residential mortgage loans.* | *(c) Excludes government guaranteed residential mortgage loans.* | *(c) Excludes government guaranteed residential mortgage loans.* |

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**Use of Non-GAAP Financial Measures**

In addition to GAAP measures, management considers various non-GAAP measures when evaluating the performance of the business, including: "net interest income (FTE)," "interest income (FTE)," "net interest margin (FTE)," "net interest rate spread (FTE)," "income before income taxes (FTE)," "tangible net income available to common shareholders," "average tangible common equity," "return on average tangible common equity," "tangible common equity (excluding AOCI)," "tangible common equity (including AOCI)," "tangible equity," "tangible book value per share," "tangible book value per share (excluding AOCI)," "adjusted noninterest income," "noninterest income excluding certain items," "adjusted noninterest expense," "noninterest expense excluding certain items," "pre-provision net revenue," "adjusted efficiency ratio," "adjusted return on average common equity," "adjusted return on average tangible common equity," "adjusted return on average tangible common equity, excluding accumulated other comprehensive income", "adjusted pre-provision net revenue," "adjusted return on average assets," "efficiency ratio (FTE)," "total revenue (FTE)," "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) | September | June | March | December | September |
|  |  | 2025 | 2025 | 2025 | 2024 | 2024 |
| **Net interest income** | **Net interest income** | $1520 | $1495 | $1437 | $1437 | $1421 |
| Add: Taxable equivalent adjustment | Add: Taxable equivalent adjustment | 5 | 5 | 5 | 6 | 6 |
| Net interest income (FTE) (a) | Net interest income (FTE) (a) | 1525 | 1500 | 1442 | 1443 | 1427 |
| **Net interest income (annualized) (b)** | **Net interest income (annualized) (b)** | 6030 | 5996 | 5828 | 5717 | 5653 |
| Net interest income (FTE) (annualized) (c) | Net interest income (FTE) (annualized) (c) | 6050 | 6016 | 5848 | 5741 | 5677 |
| **Interest income** | **Interest income** | 2519 | 2484 | 2432 | 2528 | 2669 |
| Add: Taxable equivalent adjustment | Add: Taxable equivalent adjustment | 5 | 5 | 5 | 6 | 6 |
| Interest income (FTE) | Interest income (FTE) | 2524 | 2489 | 2437 | 2534 | 2675 |
| Interest income (FTE) (annualized) (d) | Interest income (FTE) (annualized) (d) | 10014 | 9983 | 9883 | 10081 | 10642 |
| **Interest expense (annualized) (e)** | **Interest expense (annualized) (e)** | 3963 | 3967 | 4035 | 4340 | 4965 |
| **Average interest-earning assets (f)** | **Average interest-earning assets (f)** | 193500 | 192682 | 192808 | 193513 | 195836 |
| **Average interest-bearing liabilities (g)** | **Average interest-bearing liabilities (g)** | 143096 | 142913 | 144285 | 144771 | 147092 |
| **Net interest margin (b) / (f)** | **Net interest margin (b) / (f)** | 3.12% | 3.11% | 3.02% | 2.95% | 2.89% |
| Net interest margin (FTE) (c) / (f) | Net interest margin (FTE) (c) / (f) | 3.13% | 3.12% | 3.03% | 2.97% | 2.90% |
| Net interest rate spread (FTE) (d) / (f) - (e) / (g) | Net interest rate spread (FTE) (d) / (f) - (e) / (g) | 2.41% | 2.40% | 2.33% | 2.21% | 2.05% |
| **Income before income taxes** | **Income before income taxes** | $837 | $808 | $653 | $764 | $728 |
| Add: Taxable equivalent adjustment | Add: Taxable equivalent adjustment | 5 | 5 | 5 | 6 | 6 |
| Income before income taxes (FTE) | Income before income taxes (FTE) | 842 | 813 | 658 | 770 | 734 |
| **Net income available to common shareholders** | **Net income available to common shareholders** | 608 | 591 | 478 | 582 | 532 |
| Add: Intangible amortization, net of tax | Add: Intangible amortization, net of tax | 5 | 5 | 6 | 7 | 7 |
| Tangible net income available to common shareholders (h) | Tangible net income available to common shareholders (h) | 613 | 596 | 484 | 589 | 539 |
| Tangible net income available to common shareholders (annualized) (i) | Tangible net income available to common shareholders (annualized) (i) | 2432 | 2391 | 1963 | 2343 | 2144 |
| **Average Bancorp shareholders**' **equity** | **Average Bancorp shareholders**' **equity** | 21216 | 20670 | 20000 | 19893 | 20251 |
| Less: | Average preferred stock | (2112) | (2116) | (2116) | (2116) | (2116) |
|  | Average goodwill | (4937) | (4918) | (4918) | (4918) | (4918) |
|  | Average intangible assets | (77) | (79) | (86) | (94) | (103) |
| Average tangible common equity, including AOCI (j) | Average tangible common equity, including AOCI (j) | 14090 | 13557 | 12880 | 12765 | 13114 |
| Less: | Average AOCI | 3520 | 3935 | 4362 | 4292 | 3914 |
| Average tangible common equity, excluding AOCI (k) | Average tangible common equity, excluding AOCI (k) | 17610 | 17492 | 17242 | 17057 | 17028 |
| **Total Bancorp shareholders**' **equity** | **Total Bancorp shareholders**' **equity** | 21107 | 21124 | 20403 | 19645 | 20784 |
| Less: | Preferred stock | (1770) | (2116) | (2116) | (2116) | (2116) |
|  | Goodwill | (4947) | (4918) | (4918) | (4918) | (4918) |
|  | Intangible assets | (76) | (75) | (82) | (90) | (98) |
| Tangible common equity, including AOCI (l) | Tangible common equity, including AOCI (l) | 14314 | 14015 | 13287 | 12521 | 13652 |
| Less: | AOCI | 3276 | 3546 | 3895 | 4636 | 3446 |
| Tangible common equity, excluding AOCI (m) | Tangible common equity, excluding AOCI (m) | 17590 | 17561 | 17182 | 17157 | 17098 |
| Add: | Preferred stock | 1770 | 2116 | 2116 | 2116 | 2116 |
| Tangible equity (n) | Tangible equity (n) | 19360 | 19677 | 19298 | 19273 | 19214 |
| **Total assets** | **Total assets** | 212903 | 209991 | 212669 | 212927 | 214318 |
| Less: | Goodwill | (4947) | (4918) | (4918) | (4918) | (4918) |
|  | Intangible assets | (76) | (75) | (82) | (90) | (98) |
| Tangible assets, including AOCI (o) | Tangible assets, including AOCI (o) | 207880 | 204998 | 207669 | 207919 | 209302 |
| Less: | AOCI, before tax | 4311 | 4666 | 5125 | 5868 | 4362 |
| Tangible assets, excluding AOCI (p) | Tangible assets, excluding AOCI (p) | $212191 | $209664 | $212794 | $213787 | $213664 |
| **Common shares outstanding (q)** | **Common shares outstanding (q)** | 661 | 668 | 667 | 670 | 676 |
| Tangible equity (n) / (p) | Tangible equity (n) / (p) | 9.12% | 9.39% | 9.07% | 9.02% | 8.99% |
| Tangible common equity (excluding AOCI) (m) / (p) | Tangible common equity (excluding AOCI) (m) / (p) | 8.29% | 8.38% | 8.07% | 8.03% | 8.00% |
| Tangible common equity (including AOCI) (l) / (o) | Tangible common equity (including AOCI) (l) / (o) | 6.89% | 6.84% | 6.40% | 6.02% | 6.52% |
| Tangible book value per share (including AOCI) (l) / (q) | Tangible book value per share (including AOCI) (l) / (q) | $21.66 | $20.98 | $19.92 | $18.69 | $20.20 |
| Tangible book value per share (excluding AOCI) (m) / (q) | Tangible book value per share (excluding AOCI) (m) / (q) | $26.61 | $26.29 | $25.76 | $25.61 | $25.29 |

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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) | September | June | September |
|  | 2025 | 2025 | 2024 |
| **Net income (r)** | $649 | $628 | $573 |
| **Net income (annualized) (s)** | 2575 | 2519 | 2280 |
| Adjustments (pre-tax items) |  |  |  |
| Interchange litigation matters | 27 | 1 | 57 |
| Severance expense |  | 15 | 9 |
| Non-qualified deferred compensation expense/(benefit) | 11 | 16 | 10 |
| Securities (gains)/losses | (10) | (16) | (10) |
| FDIC special assessment | (6) |  |  |
| Adjustments, after-tax (t)<sup>(a)</sup> | 16 | 12 | 51 |
| **Noninterest income (u)** | 781 | 750 | 711 |
| Interchange litigation matters | 18 | 1 | 47 |
| Noninterest income excluding certain item(s) | 799 | 751 | 758 |
| Securities (gains)/losses | (10) | (16) | (10) |
| Adjusted noninterest income, excluding certain items and securities (gains)/losses (v) | 789 | 735 | 748 |
| **Noninterest expense (w)** | 1267 | 1264 | 1244 |
| Interchange litigation matters | (9) |  | (10) |
| Severance expense |  | (15) | (9) |
| FDIC special assessment | 6 |  |  |
| Noninterest expense excluding certain item(s) | 1264 | 1249 | 1225 |
| Non-qualified deferred compensation (expense)/benefit | (11) | (16) | (10) |
| Adjusted noninterest expense, excluding certain items and non-qualified deferred compensation (x) | 1253 | 1233 | 1215 |
| Adjusted net income (r) + (t) | 665 | 640 | 624 |
| Adjusted net income (annualized) (y) | 2638 | 2567 | 2482 |
| Adjusted tangible net income available to common shareholders (h) + (t) | 629 | 608 | 590 |
| Adjusted tangible net income available to common shareholders (annualized) (z) | 2495 | 2439 | 2347 |
| **Average assets (aa)** | $211770 | $210554 | $213838 |
| Return on average tangible common equity (i) / (j) | 17.3% | 17.6% | 16.3% |
| Return on average tangible common equity excluding AOCI (i) / (k) | 13.8% | 13.7% | 12.6% |
| Adjusted return on average tangible common equity, including AOCI (z) / (j) | 17.7% | 18.0% | 17.9% |
| Adjusted return on average tangible common equity, excluding AOCI (z) / (k) | 14.2% | 13.9% | 13.8% |
| **Return on average assets (s) / (aa)** | 1.21% | 1.20% | 1.06% |
| Adjusted return on average assets (y) / (aa) | 1.25% | 1.22% | 1.16% |
| Efficiency ratio (FTE) (w) / [(a) + (u)] | 54.9% | 56.2% | 58.2% |
| Adjusted efficiency ratio (x) / [(a) + (v)] | 54.1% | 55.2% | 55.9% |
| Total revenue (FTE) (a) + (u) | $2306 | $2250 | $2138 |
| Adjusted total revenue (FTE) (a) + (v) | $2314 | $2235 | $2175 |
| Pre-provision net revenue (PPNR) (a) + (u) - (w) | $1039 | $986 | $894 |
| Adjusted pre-provision net revenue (PPNR) (a) + (v) - (x) | $1061 | $1002 | $960 |
| *Totals may not foot due to rounding.* | *Totals may not foot due to rounding.* | *Totals may not foot due to rounding.* | *Totals may not foot due to rounding.* |
| *(a) Assumes a 23% tax rate in 2024 and a 24% tax rate in 2025.* | *(a) Assumes a 23% tax rate in 2024 and a 24% tax rate in 2025.* | *(a) Assumes a 23% tax rate in 2024 and a 24% tax rate in 2025.* | *(a) Assumes a 23% tax rate in 2024 and a 24% tax rate in 2025.* |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Fifth Third Bancorp and Subsidiaries** | | | | | |
| Segment Presentation<sup>(b)</sup> |  |  |  |  |  |
| $ in millions |  |  |  |  |  |
| (unaudited) |  |  |  |  |  |
| 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 |
| For the three months ended December 31, 2024 | **Commercial Banking** | **Consumer and Small Business Banking** | **Wealth** <br>**and Asset Management** | **General Corporate** <br>**and Other** | **Total** |
| Net interest income (FTE)<sup>(a)</sup> | $598 | $984 | $48 | $(187) | $1443 |
| Provision for credit losses | (21) | (89) |  | (69) | (179) |
| Net interest income after provision for credit losses | 577 | 895 | 48 | (256) | 1264 |
| Noninterest income | 373 | 278 | 103 | (22) | 732 |
| Noninterest expense | (452) | (617) | (94) | (63) | (1226) |
| Income (loss) before income taxes (FTE)<sup>(a)</sup> | $498 | $556 | $57 | $(341) | $770 |
| For the three months ended September 30, 2024 | **Commercial Banking** | **Consumer and Small Business Banking** | **Wealth** <br>**and Asset Management** | **General Corporate** <br>**and Other** | **Total** |
| Net interest income (FTE)<sup>(a)</sup> | $648 | $1056 | $50 | $(327) | $1427 |
| Provision for credit losses | (76) | (78) |  | (6) | (160) |
| Net interest income after provision for credit losses | 572 | 978 | 50 | (333) | 1267 |
| Noninterest income | 354 | 283 | 99 | (25) | 711 |
| Noninterest expense | (460) | (614) | (95) | (75) | (1244) |
| Income (loss) before income taxes (FTE)<sup>(a)</sup> | $466 | $647 | $54 | $(433) | $734 |
| *(a) Includes taxable equivalent adjustments of $5 million for the three months ended September 30, 2025, June 30, 2025 and March 31, 2025 and $6 million for the three months ended December 31, 2024 and September 30, 2024.*  | *(a) Includes taxable equivalent adjustments of $5 million for the three months ended September 30, 2025, June 30, 2025 and March 31, 2025 and $6 million for the three months ended December 31, 2024 and September 30, 2024.*  | *(a) Includes taxable equivalent adjustments of $5 million for the three months ended September 30, 2025, June 30, 2025 and March 31, 2025 and $6 million for the three months ended December 31, 2024 and September 30, 2024.*  | *(a) Includes taxable equivalent adjustments of $5 million for the three months ended September 30, 2025, June 30, 2025 and March 31, 2025 and $6 million for the three months ended December 31, 2024 and September 30, 2024.*  | *(a) Includes taxable equivalent adjustments of $5 million for the three months ended September 30, 2025, June 30, 2025 and March 31, 2025 and $6 million for the three months ended December 31, 2024 and September 30, 2024.*  | *(a) Includes taxable equivalent adjustments of $5 million for the three months ended September 30, 2025, June 30, 2025 and March 31, 2025 and $6 million for the three months ended December 31, 2024 and September 30, 2024.*  |
| *(b) During the first quarter of 2025, the Bancorp realigned its reporting structure and moved certain business banking customer relationships and relationship management personnel to the Consumer and Small Business Banking segment from the Commercial Banking segment. Prior period results have been adjusted to reflect current presentation.* | *(b) During the first quarter of 2025, the Bancorp realigned its reporting structure and moved certain business banking customer relationships and relationship management personnel to the Consumer and Small Business Banking segment from the Commercial Banking segment. Prior period results have been adjusted to reflect current presentation.* | *(b) During the first quarter of 2025, the Bancorp realigned its reporting structure and moved certain business banking customer relationships and relationship management personnel to the Consumer and Small Business Banking segment from the Commercial Banking segment. Prior period results have been adjusted to reflect current presentation.* | *(b) During the first quarter of 2025, the Bancorp realigned its reporting structure and moved certain business banking customer relationships and relationship management personnel to the Consumer and Small Business Banking segment from the Commercial Banking segment. Prior period results have been adjusted to reflect current presentation.* | *(b) During the first quarter of 2025, the Bancorp realigned its reporting structure and moved certain business banking customer relationships and relationship management personnel to the Consumer and Small Business Banking segment from the Commercial Banking segment. Prior period results have been adjusted to reflect current presentation.* | *(b) During the first quarter of 2025, the Bancorp realigned its reporting structure and moved certain business banking customer relationships and relationship management personnel to the Consumer and Small Business Banking segment from the Commercial Banking segment. Prior period results have been adjusted to reflect current presentation.* |

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## Exhibit 99.2

![](fifththirdbancorppresent001.jpg)© Fifth Third Bancorp \| All Rights Reserved Fifth Third Bancorp 3Q25 Earnings Presentation October 17, 2025 Refer to earnings release dated October 17, 2025 for further information.

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![](fifththirdbancorppresent002.jpg)

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![](fifththirdbancorppresent003.jpg)© Fifth Third Bancorp \| All Rights Reserved For end note descriptions, see end note summary starting on page 41 Key Messages 3 Diversified loan origination platforms delivered accelerating loan growth year-over-year Consistent execution of strategic priorities led to highest adjusted PPNR1 growth in over 2 years Continued expense discipline resulted in a 180 bps year-over-year improvement in the adjusted efficiency ratio1 Investments in building out the Southeast and growing Middle Market sales force resulted in strong household and client acquisition

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![](fifththirdbancorppresent004.jpg)© Fifth Third Bancorp \| All Rights Reserved • Compared to 3Q24, average consumer and commercial loans increased 7% and 4%, respectively • Continued momentum in net interest income and net interest margin3 with interest bearing liabilities costs down for fifth consecutive quarter • Generated positive operating leverage for the 4th consecutive quarter driven by disciplined expense management and accelerating revenue growth • Generated consumer household growth of 3% compared to 3Q24, including 7% growth in the southeast • Tangible book value per share3 increased 7% over the last year • Strong profitability resulted in maintaining CET12 above 10.5% while executing $300 million of share repurchases and raising common dividend 8% Reported1 Adjusted1 EPS $0.91 $0.93 ROA 1.21% 1.25% ROE 12.6% 13.0% ROTCE 17.3% 17.7% NIM 3.13% 3.13% Efficiency ratio 54.9% 54.1% PPNR $1,039MM $1,061MM CET12 10.54% For end note descriptions, see end note summary starting on page 41 3Q25 highlights 4

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![](fifththirdbancorppresent005.jpg)© Fifth Third Bancorp \| All Rights Reserved $1.43 $1.44 $1.44 $1.50 $1.53 2.90% 2.97% 3.03% 3.12% 3.13% NII NIM 3Q24 4Q24 1Q25 2Q25 3Q25 NII $ in millions; NIM change in bps 2Q25 to 3Q25 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 41 NII NIM 2Q25 $1,500 3.12% Loan balances / mix 8 1 Deposit / wholesale funding balances / mix 5 1 Securities portfolio and cash 3 — Day count 11 (1) Other (2) — 3Q25 $1,525 3.13%

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![](fifththirdbancorppresent006.jpg)© Fifth Third Bancorp \| All Rights Reserved Noninterest income T o ta l n o ni nt er es t in co m e; $ m ill io ns For end note descriptions, see end note summary starting on page 41 6 $ millions 3Q25 PQ YoY Wealth and asset management revenue $181 9% 11% Commercial payments revenue 157 3% 2% Consumer banking revenue 144 (2)% 1% Capital markets fees 115 28% 4% Commercial banking revenue 87 10% (6)% Mortgage banking net revenue 58 4% 16% Other noninterest income 29 (34)% NM Securities (losses) gains, net 10 (38)% — Noninterest income $781 4% 10% Impact of certain items 8 Adjusted noninterest income (excl. securities gains/losses, net)1,2 $789 7% 5% Year-over-year • Wealth and asset management revenue up 11% driven by continued AUM growth • Mortgage banking net revenue up 16% driven by increased originations and net servicing fees Quarter-over-quarter • Capital market fees up 28% due to strong rebound in loan syndications and M&A advisory revenue $711 $732 $694 $750 $781$748 $791 $721 $735 $789 Noninterest income Adjusted noninterest income (excl. securities gains/losses, net)¹² 3Q24 4Q24 1Q25 2Q25 3Q25

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![](fifththirdbancorppresent007.jpg)© Fifth Third Bancorp \| All Rights Reserved $1,244 $1,226 $1,304 $1,264 $1,267 $1,215\* $1,225\* $1,308\* $1,233\* $1,253\* 55.9% 54.8% 60.5% 55.2% 54.1% Adjusted noninterest expense¹\* Noninterest expense Adjusted Efficiency Ratio¹ 3Q24 4Q24 1Q25 2Q25 3Q25 T o ta l n o ni nt er es t ex p en se ; $ m ill io ns Noninterest expense 7 $ in millions 3Q25 2Q25 3Q24 Non-qualified deferred compensation expense/ (benefit), primarily offset in securities gains/losses $11 $16 $10 For end note descriptions, see end note summary starting on page 41 $ millions 3Q25 PQ YoY Compensation and benefits $685 (2)% (1)% Technology and communications 128 2% 6% Net occupancy expense 89 7% 10% Equipment expense 44 7% 16% Loan and lease expense 39 8% 15% Card and processing expense 22 — — Marketing expense 34 (21)% 31% Other noninterest expense 226 5% (3)% Total noninterest expense $1,267 — 2% Impact of certain items (3) Noninterest expense excluding certain item(s)1 $1,264 1% 3% Non-qualified deferred compensation (expense)/benefit (11) Adjusted noninterest expense, excluding certain item(s)1 and non-qualified deferred compensation $1,253 2% 3% Year-over-year • Adjusted noninterest expense1 up 3% compared with 3Q24 due to investments in branches, marketing and technology • Adjusted efficiency ratio1 of 54.1%, improved 180 bps compared to 3Q24 Quarter-over-quarter • Adjusted noninterest expense1 up 2% verse 2Q25 driven by investments in branches and technology 1, 8\* $1,304

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![](fifththirdbancorppresent008.jpg)© Fifth Third Bancorp \| All Rights Reserved Solar energy installation Average loans $116.8 $117.9 $121.3 $123.1 $123.3 $71.8 $72.0 $74.7 $75.4 $74.9 $45.1 $45.9 $46.6 $47.7 $48.4 6.48% 6.18% 6.06% 6.11% 6.12% Commercial Consumer Total loan yield 3Q24 4Q24 1Q25 2Q25 3Q25 $116.7 $119.8 $122.2 $122.4 $123.1 $71.1 $73.3 $75.1 $74.2 $74.4 $45.5 $46.5 $47.1 $48.2 $48.7 Commercial Consumer 3Q24 4Q24 1Q25 2Q25 3Q25 Loans Loan portfolio compositionAverage loan & lease balances $ in billions; loan & lease balances excluding HFS Period-end loan & lease balances $ in billions; loan & lease balances excluding HFS 8 Note: totals shown above may not foot due to rounding 44% 14% 3% 14% 14% 4% 4% 3% Commercial and industrial Commercial real estate Commercial leases Residential mortgage Home equity Indirect secured consumer Credit card and other % of Total Loans Commercial: 61% Consumer: 39%

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![](fifththirdbancorppresent009.jpg)© Fifth Third Bancorp \| All Rights Reserved 5.00% 4.50% 4.50% 4.50% 4.25% 2.30% 2.04% 1.84% 1.80% 1.81% Fed Funds Rate Total Cost of Deposits 3Q24 4Q24 1Q25 2Q25 3Q25 Total cost of deposits Total deposit mixAverage deposit balances $167.2 $167.2 $164.2 $163.6 $164.8 $163.7 $164.7 $161.8 $161.4 $162.5 3.03% 2.68% 2.42% 2.39% 2.41% Core Deposits CDs > $250K Total interest-bearing deposit costs 3Q24 4Q24 1Q25 2Q25 3Q25 $ in billions Demand, 25% Interest checking, 34% Money market and savings, 33% Time deposits, 8% $ in billions $165B Average Deposits $163.7 $164.7 $161.8 $161.4 $162.5 $123.7 $124.6 $122.0 $120.5 $121.3 $40.0 $40.1 $39.8 $40.9 $41.2 24.4% 24.3% 24.6% 25.3% 25.4% Interest-Bearing $ Non Interest-Bearing $ Non Interest-Bearing % 3Q24 4Q24 1Q25 2Q25 3Q25 Non interest-bearing to core deposit trend (average) $ in billions Deposits 9 Note: Totals shown above may not foot due to rounding

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![](fifththirdbancorppresent010.jpg)© Fifth Third Bancorp \| All Rights Reserved Net charge-offs (NCOs) $142 $136 $136 $139 $339 $142 $136 $136 $139 3Q24 4Q24 1Q25 2Q25 3Q25 Credit quality overview 10 3Q24 4Q24 1Q25 2Q25 3Q25 NPL ratio 0.59% 0.69% 0.79% 0.70% 0.62% NPA ratio1 0.62% 0.71% 0.81% 0.72% 0.65% 30-89 days past due as a % of portfolio loans and leases 0.24% 0.25% 0.31% 0.23% 0.28% NCO ratio 0.48% 0.46% 0.46% 0.45% 1.09% ACL ratio as a % of portfolio loans and leases 2.09% 2.08% 2.07% 2.09% 1.96% Nonperforming loans (NPLs) $686 $823 $966 $853 $768 3Q24 4Q24 1Q25 2Q25 3Q25 Portfolio loans & leases 30-89 days past due $283 $303 $385 $277 $348 3Q24 4Q24 1Q25 2Q25 3Q25 $ in millions For end note descriptions, see end note summary starting on page 41

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![](fifththirdbancorppresent011.jpg)© Fifth Third Bancorp \| All Rights Reserved 3Q16 3Q17 3Q18 3Q19 3Q20 3Q21 3Q22 3Q23 3Q24 3Q25 0.00% 0.50% 1.00% 1.50% Historical net charge-off and NPA ratios Net charge-off ratio Non-performing assets ratio2 3Q16 3Q17 3Q18 3Q19 3Q20 3Q21 3Q22 3Q23 3Q24 3Q25 0.00% 0.50% 1.00% 1.50% Commercial net charge-off ratio 3Q16 3Q17 3Q18 3Q19 3Q20 3Q21 3Q22 3Q23 3Q24 3Q25 0.00% 0.50% 1.00% 1.50% 3Q16 3Q17 3Q18 3Q19 3Q20 3Q21 3Q22 3Q23 3Q24 3Q25 0.00% 0.50% 1.00% 1.50% Consumer net charge-off ratio 3Q25 1.46% 3Q25 1.09% 3Q25 0.65% 3Q25 0.52% 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 41 11

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![](fifththirdbancorppresent012.jpg)© Fifth Third Bancorp \| All Rights Reserved 10.58% ~36 bps (~6 bps) (~18 bps) (~16 bps) ~0 bps 10.54% 2Q25 Net income to common RWA Share repurchases Common dividends Other 3Q25 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 41; totals shown above may not foot due to rounding Liquidity Sources 6/30/25 9/30/25 Fed reserves $12 $17 Unpledged investment securities $22 $21 Available FHLB borrowing capacity $10 $9 Current Fed discount window availability $61 $61 Total $106 $107 • Maintained full Category 1 LCR compliance during the quarter, ending at 126% • Loan-to-core deposit ratio of 75% • 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 10.8% 10.6% 10.4% 10.6% 10.5% 8.7% 8.1% 8.3% 8.6% 8.8% Reported CET1 Ratio CET1 inclusive of AOCI 3Q24 4Q24 1Q25 2Q25 3Q25

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![](fifththirdbancorppresent013.jpg)© Fifth Third Bancorp \| All Rights Reserved As of October 17, 2025; please see cautionary statements on page 2. Current expectations 4Q25 compared to 3Q25 13 For end note descriptions, see end note summary starting on page 41 Avg. loans & leases (Including HFS) up 1% Net interest income1 (3Q25 baseline: $1.525 billion) stable to up ~1% assumes 12/31/25 Fed funds rate of 3.75% Noninterest income1 (3Q25 baseline: $789 million; excludes securities g/l) up 2 - 3% Noninterest expense1 (3Q25 baseline: $1.253 billion; excludes the market-to-market impact of non-qualified deferred compensation) up ~2% Net charge-off ratio ~40 bps Effective tax rate 23%

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![](fifththirdbancorppresent014.jpg)© Fifth Third Bancorp \| All Rights Reserved 14 Appendix

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![](fifththirdbancorppresent015.jpg)© Fifth Third Bancorp \| All Rights Reserved Consumer and Business Banking Digital Metrics Average Active Digital Users (Millions) 3.09 3.09 3.14 3.17 3.19 3Q24 4Q24 1Q25 2Q25 3Q25 Digital Engagement Digital Originations Average Active Mobile Users (Millions) 2.35 2.37 2.40 2.43 2.47 3Q24 4Q24 1Q25 2Q25 3Q25 Digital Assisted Mortgage Applications 98% 97% 98% 97% 98% 3Q24 4Q24 1Q25 2Q25 3Q25 New Consumer Deposit Accounts 23% 28% 27% 28% 28% 3Q24 4Q24 1Q25 2Q25 3Q25 Consumer Satisfaction #1 for banking mobile app user satisfaction among regional banks Average app store rating of 4.8 stars vs peer average of 4.6 stars 15 For end note descriptions, see end note summary starting on page 41 1 2

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![](fifththirdbancorppresent016.jpg)© Fifth Third Bancorp \| All Rights Reserved 22% 20% 19% 14% 12% 8% 6% Strategic investments resulting in fee diversification and growth • Total adjusted fee revenue1 accounted for ~34% of total adjusted revenue for the last twelve months ending 9/30/25 • Focused on diversifying revenue to lessen cyclical impacts, with success in Wealth & Asset Management, Capital Markets and Commercial Payments 16 Fee revenue mix is well-diversified LTM 3Q25 adjusted noninterest income mix1,2 Wealth & Asset Management Capital Markets Mortgage Banking Other Noninterest Income Consumer Banking Commercial Banking Commercial Payments Fee contribution as a percent of revenue stands out favorably relative to peers LTM 3Q25 adjusted noninterest income as a percent of adjusted revenue2, unless otherwise noted LTM 3Q25 adjusted noninterest income $3.04B 34% 29% LTM 2Q25 Peer Median For end note descriptions, see end note summary starting on page 41

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![](fifththirdbancorppresent017.jpg)© Fifth Third Bancorp \| All Rights Reserved $71.8 $72.0 $74.7 $75.4 $74.9 $71.1 $73.3 $75.1 $74.2 $74.4 Average Period-end 3Q24 4Q24 1Q25 2Q25 3Q25 3Q24 2Q25 3Q25 NCO ratio1 0.40% 0.38% 1.46% 30-89 delinquencies 0.07% 0.06% 0.16% 90+ delinquencies 0.02% 0.01% 0.00% Nonperforming loans2 0.47% 0.69% 0.58% Portfolio loans and leases $ in billions Key statistics Total commercial portfolio overview Average QoQ change (0.6%) 0.3% 3.8% 1.0% (0.7%) Period-end QoQ change (0.9%) 3.0% 2.5% (1.3%) 0.4% Commercial portfolio mix 72% 16% 7% 4% C&I Commercial mortgage Commercial construction Commercial leases For end note descriptions, see end note summary starting on page 41; totals shown above may not foot due to rounding 17

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![](fifththirdbancorppresent018.jpg)© Fifth Third Bancorp \| All Rights Reserved $51.6 $51.6 $53.4 $54.1 $54.2 $50.9 $52.3 $53.7 $53.3 $53.9 Average Period-end 3Q24 4Q24 1Q25 2Q25 3Q25 18 Key statistics Revolving line utilization trend3 Commercial and industrial overview 35.3% 35.6% 35.3% 35.5% 36.1% 35.5% 36.2% 37.0% 36.5% 36.7% 2Q23 3Q23 4Q23 1Q24 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 Portfolio loans $ in billions Average QoQ change (1.4%) (0.1%) 3.6% 1.3% 0.2% Period-end QoQ change (1.8%) 2.7% 2.7% (0.7%) 1.2% For end note descriptions, see end note summary starting on page 41; totals shown above may not foot due to rounding 3Q24 2Q25 3Q25 NCO ratio1 0.55% 0.51% 2.01% 30-89 delinquencies 0.06% 0.05% 0.08% 90+ delinquencies 0.02% 0.01% 0.00% Nonperforming loans2 0.50% 0.86% 0.73%

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![](fifththirdbancorppresent019.jpg)© Fifth Third Bancorp \| All Rights Reserved Retail 18% Financial Services 16% Rental and Leasing 16%TMT 9% Manufacturing 8% Wholesale Trade 8% Business Services 7% Other 18% • Reduced balances 8% compared to 3Q23 • ~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 19 High quality Shared National Credit portfolio $ in billions; as of 9/30/25 SNC portfolio $32.2BN ~26% of total loans Shared National Credit portfolio is well diversified Industry mix Key statistics 3Q24 2Q25 3Q25 Loan balance $31.2 $32.5 $32.2 Nonperforming loans2 0.32% 0.85% 0.72% NCO Ratio1 0.33% 0.34% 0.57% For end note descriptions, see end note summary starting on page 41; totals shown above may not foot due to rounding

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![](fifththirdbancorppresent020.jpg)© Fifth Third Bancorp \| All Rights Reserved 20 Low concentration in leveraged lending Note: Totals shown above may not foot due to rounding Total Loan Portfolio Composition Leveraged 2.2% Accommodation & Food ServicesArts, Entertainment, and Recreation Wholesale Trade Information Manufacturing Professional, Scientific, and Technical Services Healthcare & Other Social Assistance Finance & Insurance Admin, Support & Other Services Retail Trade Other Diversified Leveraged Portfolio Total Loans $123.7 Billion $2.7 Billion • Significant reduction in leveraged lending portfolio as a percent of total loans – Represents ~2% of loans vs ~8% in 2015 • Leveraged criticized asset rate declined 8% compared to 3Q24 as of 9/30/25 as of 9/30/25

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![](fifththirdbancorppresent021.jpg)© Fifth Third Bancorp \| All Rights Reserved Portfolio loans 39% 24% 17% 7% 5% 5%3% 49%51% Commercial real estate overview CRE mortgage Balance by occupancy CRE construction Balance by property type Other Retail Office Hospitality Industrial Home builder Non-Owner occupied Owner occupied Hospitality 22% Retail 21% Multifamily 20% Medical Office 14% Office 13% Industrial 7% Non-owner occupied property type mix $17.5 $17.5 $18.2 $18.2 $17.6$17.3 $17.8 $18.3 $17.7 $17.3 $6.0 $5.7 $5.8 $5.8 $5.5 $11.5 $11.8 $12.4 $12.4 $12.0 $5.9 $5.6 $6.0 $5.6 $5.3 $11.4 $12.2 $12.4 $12.1 $11.9 3Q24 4Q24 1Q25 2Q25 3Q25 21 Other 4% For end note descriptions, see end note summary starting on page 41; totals shown above may not foot due to rounding Period-end QoQ change 0.6% 2.8% 2.7% (3.5%) (2.3%) $ in billions Average QoQ change 1.2% 0.1% 3.8% 0.3% (3.6%) 3Q24 2Q25 3Q25 NCO ratio1 0.00% 0.07% 0.03% 30-89 delinquencies 0.04% 0.03% 0.37% 90+ delinquencies 0.02% 0.02% 0.00% Nonperforming loans2 0.46% 0.27% 0.24% Key statistics Period-end - Commercial mortgageAverage - Commercial mortgage Period-end - Commercial constructionAverage - Commercial construction Multifamily

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![](fifththirdbancorppresent022.jpg)© Fifth Third Bancorp \| All Rights Reserved Period-end QoQ change 1.7% 2.1% 1.2% 2.5% 1.0% $45.1 $45.9 $46.6 $47.7 $48.4 $45.5 $46.5 $47.1 $48.2 $48.7 3Q24 4Q24 1Q25 2Q25 3Q25 16% 16% 66% 3Q24 2Q25 3Q25 NCO ratio1 0.62% 0.56% 0.52% 30-89 delinquencies 0.52% 0.47% 0.47% 90+ delinquencies 0.06% 0.05% 0.06% Nonperforming loans2 0.77% 0.72% 0.68% Weighted average FICO at origination3 767 768 768 Weighted average LTV at origination 79% 79% 79% Total consumer portfolio overview 22 Portfolio FICO score at origination3 $ in billions Portfolio loans 2% For end note descriptions, see end note summary starting on page 41; totals shown above may not foot due to rounding Average QoQ change 0.8% 1.9% 1.5% 2.3% 1.6% Key statistics 750+720-749<660 660-719 Period-endAverage

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![](fifththirdbancorppresent023.jpg)© Fifth Third Bancorp \| All Rights Reserved Period-end QoQ change 0.7% 2.2% 0.2% 0.6% (0.2%) Average QoQ change 0.2% 1.7% 1.3% 0.4% 0.2% 12% 15% 70% Weighted average FICO at origination3 764 764 764 Weighted average LTV at origination 73% 74% 74% Residential mortgage overview 23 $17.0 $17.3 $17.6 $17.6 $17.7$17.2 $17.5 $17.6 $17.7 $17.6 3Q24 4Q24 1Q25 2Q25 3Q25 3% For end note descriptions, see end note summary starting on page 41; totals shown above may not foot due to rounding $ in billions Portfolio loans 3Q24 2Q25 3Q25 NCO ratio1 (0.02%) (0.01%) (0.02%) 30-89 delinquencies 0.16% 0.17% 0.18% 90+ delinquencies 0.05% 0.05% 0.06% Nonperforming Loans2 0.76% 0.81% 0.80% Key statistics 750+720-749<660 660-719 Portfolio FICO score at origination3 Period-endAverage

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![](fifththirdbancorppresent024.jpg)© Fifth Third Bancorp \| All Rights Reserved 18% 15% 66% $4.0 $4.1 $4.2 $4.4 $4.6 $4.1 $4.2 $4.3 $4.5 $4.7 3Q24 4Q24 1Q25 2Q25 3Q25 Weighted average FICO at origination3 768 770 771 Weighted average LTV at origination 66% 65% 65% Home equity overview 24 1% For end note descriptions, see end note summary starting on page 41; totals shown above may not foot due to rounding Period-end QoQ change 2.6% 2.8% 1.8% 5.2% 4.3% Average QoQ change 2.3% 2.7% 2.4% 3.8% 4.5% $ in billions Portfolio loans Period-endAverage 750+720-749<660 660-719 Portfolio FICO score at origination3 3Q24 2Q25 3Q25 NCO ratio1 (0.02%) 0.02% (0.05%) 30-89 delinquencies 0.56% 0.54% 0.45% 90+ delinquencies 0.00% 0.00% 0.00% Nonperforming loans2 1.64% 1.67% 1.54% Key statistics

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![](fifththirdbancorppresent025.jpg)© Fifth Third Bancorp \| All Rights Reserved 83% 17% 17% 17% 65% Indirect secured consumer overview 25 Portfolio FICO score at origination \*Includes primarily RV & Marine $15.7 $16.1 $16.5 $17.2 $17.7 $15.9 $16.3 $16.8 $17.6 $17.9 3Q24 4Q24 1Q25 2Q25 3Q25 1% Weighted average FICO at origination 771 773 774 Weighted average LTV at origination 88% 88% 88% For end note descriptions, see end note summary starting on page 41; totals shown above may not foot due to rounding Period-end QoQ change 3.2% 2.3% 3.0% 4.7% 1.7% Average QoQ change 2.0% 2.7% 2.3% 4.7% 2.8% $ in billions Portfolio loans Period-endAverage 3Q24 2Q25 3Q25 NCO ratio1 0.54% 0.37% 0.40% 30-89 delinquencies 0.77% 0.70% 0.68% 90+ delinquencies 0.00% 0.00% 0.00% Nonperforming loans2 0.31% 0.37% 0.34% Key statistics 750+720-749<660 660-719 Portfolio FICO score at origination Auto Specialty Lending\*

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![](fifththirdbancorppresent026.jpg)© Fifth Third Bancorp \| All Rights Reserved 27% 20% 48% Credit card overview 26 $1.7 $1.7 $1.6 $1.7 $1.7$1.7 $1.7 $1.7 $1.7 $1.7 3Q24 4Q24 1Q25 2Q25 3Q25 Weighted average FICO at origination3 743 743 743 5% Period-end QoQ change (1.7%) 1.8% (4.3%) 2.8% (0.9%) Average QoQ change (1.2%) (2.3%) (2.5%) 2.0% 1.1% $ in billions Portfolio loans For end note descriptions, see end note summary starting on page 41; totals shown above may not foot due to rounding Period-endAverage 3Q24 2Q25 3Q25 NCO ratio1 3.74% 3.74% 3.70% 30-89 delinquencies 1.17% 1.00% 1.00% 90+ delinquencies 1.06% 1.05% 0.95% Nonperforming loans2 1.82% 1.70% 1.71% Key statistics Portfolio FICO score at origination3 750+720-749<660 660-719

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![](fifththirdbancorppresent027.jpg)© Fifth Third Bancorp \| All Rights Reserved $4.0 $4.1 $4.2 $4.3 $4.4 $4.1 $4.2 $4.3 $4.3 $4.4 3Q24 4Q24 1Q25 2Q25 3Q25 14% 20% 66% Weighted average FICO at origination 772 773 771 Solar energy installation overview 27 For end note descriptions, see end note summary starting on page 41; totals shown above may not foot due to rounding Period-end QoQ change 3.2% 3.0% 1.4% 1.3% 2.7% Average QoQ change 1.9% 3.7% 2.0% 1.1% 2.0% $ in billions Portfolio loans 3Q24 2Q25 3Q25 NCO ratio1 1.44% 1.86% 1.47% 30-89 delinquencies 0.42% 0.39% 0.43% 90+ delinquencies 0.00% 0.00% 0.00% Nonperforming loans2 1.57% 0.60% 0.50% Key statistics Period-endAverage Portfolio FICO score at origination 750+720-749660-719

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![](fifththirdbancorppresent028.jpg)© Fifth Third Bancorp \| All Rights Reserved Allowance for credit losses 28 For end note descriptions, see end note summary starting on page 41; totals shown above may not foot due to rounding Allowance for loan & lease losses Amount % of portfolio loans & leases 2Q25 3Q24 Commercial and industrial loans $829 1.54% (0.15%) 0.16% Commercial mortgage loans 265 2.22% (0.45)% (0.57%) Commercial construction loans 70 1.31% 0.37% 0.13% Commercial leases 18 0.56% 0.06% 0.07 Total commercial loans and leases $1,182 1.59% (0.15%) 0.04% Residential mortgage loans 133 0.75% (0.01) (0.08%) Home equity 98 2.09% 0.02% (0.49%) Indirect secured consumer loans 299 1.67% (0.13)% (0.20%) Credit card 145 8.57% (0.45%) (2.82%) Solar energy installation loans 300 6.77% (0.34%) (1.40%) Other consumer loans 108 4.55% (0.08%) (0.38%) Total consumer loans 1,083 2.22% (0.10%) (0.42%) Allowance for loan & lease losses 2,265 1.84% (0.13%) (0.14%) Reserve for unfunded commitments1 151 Allowance for credit losses $2,416 1.96% (0.13%) (0.13%) Compared to: Allocation of allowance by product $ in millions 3Q25 Change in rate

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![](fifththirdbancorppresent029.jpg)© Fifth Third Bancorp \| All Rights Reserved NPL1 rollforward 29 For end note descriptions, see end note summary starting on page 41; totals shown above may not foot due to rounding 3Q24 4Q24 1Q25 2Q25 3Q25 Balance, beginning of period $274 $334 $456 $623 $508 Transfers to nonaccrual status 191 240 273 63 266 Transfers to accrual status — (1) (3) (1) — Transfers to held for sale (5) (5) (17) (24) (1) Loan paydowns/payoffs (47) (49) (19) (70) (63) Transfer to OREO — — — — — Charge-offs (80) (63) (67) (90) (282) Draws/other extensions of credit 1 — — 7 7 Balance, end of period $334 $456 $623 $508 $435 3Q24 4Q24 1Q25 2Q25 3Q25 Balance, beginning of period $332 $352 $367 $343 $345 Transfers to nonaccrual status 104 101 109 95 88 Transfers to accrual status (14) (13) (48) (26) (19) Transfers to held for sale — — — — — Loan paydowns/payoffs (25) (25) (30) (27) (38) Transfer to OREO (7) (7) (5) (5) (7) Charge-offs (40) (43) (52) (37) (37) Draws/other extensions of credit 2 2 2 2 1 Balance, end of period $352 $367 $343 $345 $333 Commercial $ in millions Consumer $ in millions Total NPL $686 $823 $966 $853 $768 Total new nonaccrual loans - HFI 295 341 382 158 354 Total NPL $ in millions

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![](fifththirdbancorppresent030.jpg)© Fifth Third Bancorp \| All Rights Reserved Balance sheet positioning 30 For end note descriptions, see end note summary starting on page 41; totals shown above may not foot due to rounding C&I 28% Fix \| 72% Variable Coml. mortgage 41% Fix \| 59% Variable Coml. construction 31% Fix \| 69% Variable Coml. lease 100% Fix \| 0% Variable 31% 56% 13% 73% 16% 7% 4% • 54% allocation to bullet/locked- out cash flow securities • AFS & HTM spot yield: 3.22% • AFS net unrealized pre-tax loss: $3.15BN $24.7BN fixed \| $49.7BN variable1,2 Commercial loans1,2 Investment portfolioConsumer loans1 Long-term debt3 $41.9BN fixed \| $6.8BN variable1 $9.2BN fixed \| $4.5BN variable3 • 1M based: 43%4,7 • 3M based: 6%4,7 • Prime & O/N based: 16%4,7 • Other based: 1%4,6,7 • Weighted avg. life: 1.7 years1 • 1M based: 1%5,7 • Prime: 12%5 • Other based: 1%5,7,8 • Weighted avg. life: 4.0 years1 • SOFR based: 33% • Weighted avg. life: 3.8 years Includes $3.2BN non-agency CMBS (All super-senior, AAA-rated securities; 58.6% WA LTV, ~34% WA credit enhancement) 37% 36% 10% 14% 3% 70% 12% 5% 13% The information above incorporates the impact of $6.85BN in C&I receive-fixed swaps, $4BN in CRE receive-fixed swaps2, and ~$4BN 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 13% Fix \| 87% Variable Other 84% Fix \| 16% Variable Credit card 38% Fix \| 62% Variable Level 1 84% Fix \| 16% Variable Level 2A 99% Fix \| 1% Variable Non-HQLA/ Other 91% Fix \| 9% Variable Senior debt 61% Fix \| 39% Variable Sub debt 59% Fix \| 41% Variable Auto securiz. proceeds 100% Fix \| 0% Variable Other 97% Fix \| 3% Variable

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![](fifththirdbancorppresent031.jpg)© Fifth Third Bancorp \| All Rights Reserved Managing rate risk against conservative outcomes 31 For end note descriptions, see end note summary starting on page 41; totals shown above may not foot due to rounding Estimated NII sensitivity profile and ALCO policy limits Estimated NII beta sensitivity Rate risk models assume approximately 75-80% effective up betas and 60-65% down betas in our baseline NII sensitivity used in IRR simulations1,2 • Models are calibrated to performance in prior rate cycles • Additionally, rate risk measures assume no deposit re-pricing lags As of September 30, 2025: • 46% of HFI loans were variable rate net of existing hedges (67% of total commercial; 14% of total consumer) • Short-term borrowings represent only 2% of total funding • Approximately $10.8BN in non-core funding matures beyond one year % Change NII (FTE) ALCO policy limit Change in interest rates (bps) 12 months 13 to 24 months 12 months 13 to 24 months +200 Ramp over 12 months (2.9%) (2.9%) (6.0%) (7.0%) +100 Ramp over 12 months (1.3%) (0.8%) NA NA -100 Ramp over 12 months 0.6% (1.2%) NA NA -200 Ramp over 12 months 0.5% (4.8%) (6.0%) (7.0%) 5% Higher Beta 5% Lower Beta Change in interest rates (bps) 12 months 13 to 24 months 12 months 13 to 24 months +200 Ramp over 12 months (3.6%) (4.3%) (2.0%) (1.2%) +100 Ramp over 12 months (1.7%) (1.5%) (0.8%) —% -100 Ramp over 12 months 1.0% (0.5%) 0.3% (1.9%) -200 Ramp over 12 months 1.2% (3.5%) (0.3%) (6.3%) 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 (3.8%) (3.9%) (2.0%) (2.0%) +100 Ramp over 12 months (2.0%) (1.6%) (0.5%) —% -100 Ramp over 12 months 0.1% (1.7%) 1.2% (0.7%) -200 Ramp over 12 months —% (5.2%) 1.0% (4.5%)

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![](fifththirdbancorppresent032.jpg)© Fifth Third Bancorp \| All Rights Reserved 32 Investment portfolio composition Investment portfolio characteristics Held-to-maturity portfolio • $11.5BN 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 • $39.6BN portfolio • $3.2BN Non-agency CMBS portfolio – All positions are super-senior AAA rated with WA credit enhancement of 34% – Securities are 20% risk-weighted and are pledgeable to the FHLB – Underlying loans in our structures have a WA LTV of ~60% – Credit risk team analyzes transactions at the underlying property- level, similar to what we do for all our CRE loan commitments HTM 22% AFS 78% AFS and HTM portfolio; amortized cost basis; as of 9/30/25 Amortized cost basis; as of 9/30/25 Securities mix Agency CMBS Agency RMBS Non- agency CMBS Treasuries Other Effective duration HTM 34% 45% — 21% — 5.2 AFS 58% 20% 8% 5% 9% 3.9 Total 52% 26% 6% 9% 7% 4.2 Securities portfolio Securities portfolio $51BN ~26% 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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![](fifththirdbancorppresent033.jpg)© Fifth Third Bancorp \| All Rights Reserved 10-year treasury yield ($5.8) ($3.2) ($4.0) ($3.5) ($3.3) ($3.0) 9/30/23 9/30/24 12/31/24 3/31/25 6/30/25 9/30/25 Projected AOCI accretion ($2.8) ($2.4) ($2.1) ($1.8) ($1.5) 12/31/25E 12/31/26E 12/31/27E 12/31/28E 12/31/29E Securities portfolio AOCI accretion 33 $ in billions; 9/30/25 AFS and HTM portfolio unrealized loss, after-tax ~41% capital accretion ~19% capital accretion Historical AOCI accretion ~49% capital accretion since 3Q23 AOCI accretion1 assuming implied forward curve2 4.2%3.8% 4.6% 4.2% 4.2% For end note descriptions, see end note summary starting on page 41; totals shown above may not foot due to rounding 4.6%

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![](fifththirdbancorppresent034.jpg)© Fifth Third Bancorp \| All Rights Reserved $14.83 $17.64 $18.69 $21.66 $21.91 $22.50 $23.01 $23.54 3.88% 3.88% 4.58% 4.16% 4.2% 4.4% 4.6% 4.8% TBV/S AOCI accretion 10-year treasury yield 12/31/2022 12/31/2023 12/31/2024 9/30/2025 12/31/2025 12/31/2026 12/31/2027 12/31/2028 Balance sheet positioned to grow tangible book value per share 34 TBV/share1 will improve due to AOCI accretion alone Projected TBV/share growth includes no earnings contribution from 2025-20282 For end note descriptions, see end note summary starting on page 41 Actuals Forecast +19% +6% +16% +3% +2%+2% Projected growth from AOCI burndown alone1 +1%

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![](fifththirdbancorppresent035.jpg)© Fifth Third Bancorp \| All Rights Reserved 3.26% $11 $9 $8 $8 $5 3Q25 4Q30 2Q31 3Q31 4Q31 Cash flow hedges Receive-fixed swaps1 EOP notional value of cash flow hedges ($ in billions) Actual 35 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 41 Terminated $4B in receive-fixed swaps during 3Q25 to lock-in market implied pricing

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![](fifththirdbancorppresent036.jpg)© Fifth Third Bancorp \| All Rights Reserved $18 $17 $14 $19 $22 $77 $75 $74 $73 $73 ($4) $3 $3 $5 $3 ($41) ($38) ($34) ($41) ($40) $50 $57 $57 $56 $58 Origination fees and gains on loan sale Gross servicing fees Net MSR Valuation MSR decay 3Q24 4Q24 1Q25 2Q25 3Q25 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. 36 $1.9 $1.9 $1.4 $2.0 $1.9 $1.3 $1.2 $0.9 $1.3 $1.4 $0.6 $0.6 $0.5 $0.7 $0.6Originations HFI Originations HFS 3Q24 4Q24 1Q25 2Q25 3Q25 Note: Totals shown above may not foot due to rounding Rate lock margin 1.11% 0.98% 1.46% 1.23% 1.28% Gain-on-sale margin 1.00% 1.00% 1.31% 1.17% 1.33% Mortgage banking net revenue $50 $57 $57 $56 $58

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![](fifththirdbancorppresent037.jpg)© Fifth Third Bancorp \| All Rights Reserved Preferred dividend schedule 4Q25 1Q26 2Q26 3Q26 Series H ~$11 ~$10 ~$10 ~$10 Series I ~$9 ~$9 ~$9 ~$8 Series J ~$6 ~$5 ~$5 ~$5 Series K ~$3 ~$3 ~$3 ~$3 Class B Series A ~$3 ~$3 ~$3 ~$3 Total ~$32 ~$30 ~$30 ~$29 Upcoming preferred dividend schedule1 $ in millions 37 Floating2 Floating2 Floating2 For end note descriptions, see end note summary starting on page 41; totals shown above may not foot due to rounding

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![](fifththirdbancorppresent038.jpg)© Fifth Third Bancorp \| All Rights Reserved 3Q25 reported EPS of $0.91 included a negative $0.02 impact from the following notable item(s): • $27 million pre-tax (~$21 million after-tax2) charge related to interchange litigation matters • $6 million pre-tax (~$5 million after-tax2) benefit related to the FDIC special assessment 3Q25 adjustments and notable items Adjusted EPS of $0.931 38 For end note descriptions, see end note summary starting on page 41

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![](fifththirdbancorppresent039.jpg)© Fifth Third Bancorp \| All Rights Reserved Fifth Third Bancorp and Subsidiaries For the three months ended $ and shares in millions (unaudited) September June March December September 2025 2025 2025 2024 2024 Net income (U.S. GAAP) (a) $649 $628 $515 $620 $573 Net income (U.S. GAAP) (annualized) (b) $2,575 $2,519 $2,089 $2,467 $2,280 Net income available to common shareholders (U.S. GAAP) (c) $608 $591 $478 $582 $532 Add: Intangible amortization, net of tax 5 5 6 7 7 Tangible net income available to common shareholders (d) $613 $596 $484 $589 $539 Tangible net income available to common shareholders (annualized) (e) $2,432 $2,391 $1,963 $2,343 $2,144 Net income available to common shareholders (annualized) (f) $2,412 $2,371 $1,939 $2,315 $2,116 Average Bancorp shareholders' equity (U.S. GAAP) (g) $21,216 $20,670 $20,000 $19,893 $20,251 Less: Average preferred stock (h) (2,112) (2,116) (2,116) (2,116) (2,116) Average goodwill (4,937) (4,918) (4,918) (4,918) (4,918) Average intangible assets and other servicing rights (77) (79) (86) (94) (103) Average tangible common equity (i) $14,090 $13,557 $12,880 $12,765 $13,114 Less: Average accumulated other comprehensive income ("AOCI") 3,520 3,935 4,362 4,292 3,914 Average tangible common equity, excluding AOCI (j) $17,610 $17,492 $17,242 $17,057 $17,028 Adjustments (pre-tax items) Interchange litigation matters 27 1 18 55 57 Severance expense — 15 — — 9 Non-qualified deferred compensation expense/(benefit) 11 16 (4) (7) 10 Securities (gains)/losses (10) (16) 9 8 (10) FDIC special assessment (6) — — (11) — Fifth Third Foundation contribution — — — 15 — Adjustments - after-tax1 (k) $16 $12 $18 $47 $51 Adjustments (tax related items) Benefit related to the resolution of certain state income tax matters — — — (15) — Adjustments (tax related items) (l) — — — (15) — Adjusted net income [(a) + (k)+ (l)] $665 $640 $533 $652 $624 Adjusted net income (annualized) (m) $2,638 $2,567 $2,162 $2,594 $2,482 Adjusted net income available to common shareholders [(c) + (k) + (l)] $624 $603 $496 $614 $583 Adjusted net income available to common shareholders (annualized) (n) $2,476 $2,419 $2,012 $2,443 $2,319 Adjusted tangible net income available to common shareholders [(d) + (k) + (l)] 629 $608 $502 $621 $590 Adjusted tangible net income available to common shareholders (annualized) (o) $2,495 $2,439 $2,036 $2,470 $2,347 Average assets (p) $211,770 $210,554 $210,558 $211,709 $213,838 Metrics: Return on assets (b) / (p) 1.21% 1.20% 0.99% 1.17% 1.06% Adjusted return on assets (m) / (p) 1.25% 1.22% 1.03% 1.23% 1.16% Return on average common equity (f) / [(g) + (h)] 12.6% 12.8% 10.8% 13.0% 11.7% Adjusted return on average common equity (n) / [(g) + (h)] 13.0% 13.0% 11.3% 13.7% 12.8% Return on average tangible common equity (e) / (i) 17.3% 17.6% 15.2% 18.4% 16.3% Adjusted return on average tangible common equity (o) / (i) 17.7% 18.0% 15.8% 19.3% 17.9% Adjusted return on average tangible common equity, excluding AOCI (o) / (j) 14.2% 13.9% 11.8% 14.5% 13.8% 39 Non-GAAP reconciliation For end note descriptions, see end note summary starting on page 41; totals shown above may not foot due to rounding

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![](fifththirdbancorppresent040.jpg)© Fifth Third Bancorp \| All Rights Reserved Non-GAAP reconciliation 40 Fifth Third Bancorp and Subsidiaries For three months ended $ and shares in millions (unaudited) September June March December September 2025 2025 2025 2024 2024 Average interest-earning assets (a) $193,500 $192,682 $192,808 $193,513 $195,836 Net interest income (U.S. GAAP) (b) $1,520 $1,495 $1,437 $1,437 $1,421 Add: Taxable equivalent adjustment 5 5 5 6 6 Net interest income (FTE) (c) $1,525 $1,500 $1,442 $1,443 $1,427 Net interest income (FTE) (annualized) (d) $6,050 $6,016 $5,848 $5,741 $5,677 Noninterest income (U.S. GAAP) (e) $781 $750 $694 $732 $711 Interchange litigation matters 18 1 18 51 47 Noninterest income excluding certain item(s) $799 $751 $712 $783 $758 Add: Securities (gains)/losses (10) (16) 9 8 (10) Adjusted noninterest income, excluding certain item(s) and securities (gains)/losses (f) $789 $735 $721 $791 $748 Noninterest expense (U.S. GAAP) (g) $1,267 $1,264 $1,304 $1,226 $1,244 Interchange litigation matters (9) — — (4) (10) Severance expense — (15) — — (9) Legal settlements and remediations — — — — — FDIC Special Assessment 6 — — 11 — Fifth Third Foundation contribution — — — (15) — Noninterest expense excluding certain item(s) $1,264 $1,249 $1,304 $1,218 $1,225 Add: Non-qualified deferred compensation (expense)/benefit (11) (16) 4 7 (10) Adjusted noninterest expense, excluding certain item(s) and non-qualified deferred compensation (h) $1,253 $1,233 $1,308 $1,225 $1,215 Metrics: Revenue (FTE) (c) + (e) 2,306 2,250 2,136 2,175 2,138 Adjusted revenue (c) + (f) 2,314 2,235 2,163 2,234 2,175 Pre-provision net revenue [(c) + (e) - (g)] 1,039 986 832 949 894 Adjusted pre-provision net revenue [(c) + (f) - (h)] 1,061 1,002 855 1,009 960 Net interest margin (FTE) (d) / (a) 3.13% 3.12% 3.03% 2.97% 2.90% Efficiency ratio (FTE) (g) / [(c) + (e)] 54.9% 56.2% 61.0% 56.4% 58.2% Adjusted efficiency ratio (h) / [(c) + (f)] 54.1% 55.2% 60.5% 54.8% 55.9% For end note descriptions, see end note summary starting on page 41; totals shown above may not foot due to rounding

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![](fifththirdbancorppresent041.jpg)© Fifth Third Bancorp \| All Rights Reserved 41 Earnings presentation end notes Slide 3 end notes 1. Non-GAAP measure: see reconciliation on pages 39 and 40 of this presentation and use of non-GAAP measures on pages 27-29 of the earnings release. Slide 4 end notes 1. Reported ROTCE, NIM, pre-provision net revenue, and efficiency ratio are non-GAAP measures: all adjusted figures are non-GAAP measures; see reconciliation on pages 39 and 40 of this presentation and the use of non-GAAP measures on pages 27-29 of the earnings release. 2. Current period regulatory capital ratios are estimated. 3. Non-GAAP measure: see reconciliation on pages 39 and 40 of this presentation and use of non-GAAP measures on pages 27-29 of the earnings release. Slide 5 end notes 1. Results are on a fully-taxable equivalent basis; non-GAAP measure: see reconciliation on pages 39 and 40 of this presentation and use of non-GAAP measures on pages 27-29 of the earnings release. Slide 6 end notes 1. Non-GAAP measure: see reconciliation on pages 39 and 40 of this presentation and use of non-GAAP measures on pages 27-29 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 39 and 40 of this presentation and use of non-GAAP measures on pages 27-29 of the earnings release. Slide 10 end notes 1. Excludes nonaccrual loans HFS. Slide 11 end notes 1. Excludes 2020, 2021, and 2022 metrics. 2. Loan balances exclude nonaccrual loans HFS. Slide 12 end notes 1. Current period regulatory capital ratios are estimated. 2. Excludes AOCI on cash flow hedges Slide 13 end notes 1. Non-GAAP measure: see reconciliation on pages 39 and 40 of this presentation and use of non-GAAP measures on pages 27-29 of the earnings release. Slide 15 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 16 end notes 1. Excluding securities gains/losses 2. Non-GAAP measure: see reconciliation on pages 39 and 40 of this presentation and use of non-GAAP measures on pages 27-29 of the earnings release. Slide 17 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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![](fifththirdbancorppresent042.jpg)© Fifth Third Bancorp \| All Rights Reserved Earnings presentation end notes 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. 3. Total commercial portfolio line utilization. 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. 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 22 end notes 1. Net losses charged-off as a percent of average portfolio loans and leases presented on an annualized basis. 2. Nonperforming portfolio loans and leases as a percent of portfolio loans and leases. 3. FICO distributions at origination exclude certain acquired mortgage & home equity loans, and certain credit loans on book primarily ~15+ years. Slide 23 end notes 1. Net losses charged-off as a percent of average portfolio loans and leases presented on an annualized basis. 2. Nonperforming portfolio loans and leases as a percent of portfolio loans and leases. 3. FICO distributions at origination exclude certain acquired mortgage loans. 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 home equity loans. Slide 25 end notes 1. Net losses charged-off as a percent of average portfolio loans and leases presented on an annualized basis. 2. Nonperforming portfolio loans and leases as a percent of portfolio loans and leases. 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 credit loans on book primarily ~15+ years. 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. 3Q25 commercial and consumer portfolio make up ~$101M and ~$50M, respectively, of the total reserve for unfunded commitment. Slide 29 end notes 1. Loan balances exclude nonaccrual loans HFS. 42

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![](fifththirdbancorppresent043.jpg)© Fifth Third Bancorp \| All Rights Reserved 43 Earnings presentation end notes Slide 30 end notes Note: Data as of 9/30/2025. 1. Excludes HFS Loans & Leases. 2. Fifth Third had $10.85BN of commercial variable loans classified as fixed given the impacts of $6.85BN in C&I receive-fix swaps and $4BN in CRE receive-fix swaps 3. Fifth Third had $4.21BN 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 31 end notes Note: Data as of 9/30/25; actual results may vary from these simulated results due to differences between forecasted and actual balance sheet composition, timing, magnitude, and frequency of interest rate changes, as well as other changes in market conditions and management strategies. 1. Re-pricing percentage or "beta" is the estimated change in yield after the 12-month ramp scenarios are fully realized and therefore reflects year-2. 2. Betas are asymmetrical as down betas assume a floor of 0%, along with rate floors, and up betas assumes a cap of 100% Slide 33 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 27-29 of the earnings release. 2. Analysis based on 9/30/2025 portfolio utilizing the implied forward curve as of 9/30/2025 Slide 34 end notes 1. See forward-looking statements on page 2 of this presentation regarding forward-looking non-GAAP measures and use of non-GAAP measures on pages 27-29 of the earnings release. 2. Analysis based on 9/30/2025 portfolio utilizing the implied forward curve as of 9/30/2025 Slide 35 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 9/30/25 Slide 37 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. Slide 38 end notes 1. Average diluted common shares outstanding (thousands); 670,878; all adjusted figures are non-GAAP measures; see reconciliation on pages 39 and 40 of this presentation and the use of non-GAAP measures on pages 27-29 of the earnings release. 2. Assumes a 24% tax rate. Slide 39 end notes Note: See pages 27-29 of the earnings release for a discussion on the use of non-GAAP financial measures. 1. Assumes a 23% tax rate in 2024 and a 24% tax rate in 2025. Slide 40 end notes Note: See pages 27-29 of the earnings release for a discussion on the use of non-GAAP financial measures.

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