# EDGAR Filing Document

**Accession Number:** 0000035527
**File Stem:** 0000035527-26-000013
**Filing Date:** 2026-1
**Character Count:** 229180
**Document Hash:** 5f135f936aa273b1924df9731a7bf096
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0000035527-26-000013.hdr.sgml**: 20260120

**ACCESSION NUMBER**: 0000035527-26-000013

**CONFORMED SUBMISSION TYPE**: 8-K

**PUBLIC DOCUMENT COUNT**: 61

**CONFORMED PERIOD OF REPORT**: 20260120

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

**ITEM INFORMATION**: Regulation FD Disclosure

**ITEM INFORMATION**: Financial Statements and Exhibits

**FILED AS OF DATE**: 20260120

**DATE AS OF CHANGE**: 20260120

**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:** 26541034

**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-20260120

**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): January 20, 2026**

![53_Logo_horizontal_FullColor.jpg](fitb-20260120_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 January 20, 2026, Fifth Third Bancorp issued a press release announcing its earnings release for the fourth 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 January 20, 2026, Fifth Third Bancorp issued a press release announcing its earnings release for the fourth 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](q42025earningsrelease.htm)</u> – Press release dated January 20, 2026

<u>[Exhibit 99.2](fifththirdbancorppresent.htm)</u> – Fourth 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: January 20, 2026 | /s/ Bryan D. Preston |
| | Bryan D. Preston |
| | Executive Vice President and<br>Chief Financial Officer |

---

## Exhibit 99.1

![a53_logoxhorizontalxfullco.jpg](a53_logoxhorizontalxfullco.jpg)

**Fifth Third Bancorp Reports Fourth Quarter 2025 Diluted Earnings Per Share of $1.04**

*Strong returns supported by continued business momentum and improved credit trends*

*Reported results included a net negative $0.04 impact from certain items on page 2*

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Key Financial Data** | | | | | | | **Key Highlights** |
| *$ in millions for all balance sheet and income statement items* |  |  |  |  |  |  |  |
|  | **4Q25** | **4Q25** | **3Q25** | **3Q25** | **4Q24** | **4Q24** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Stability:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• Net charge-offs<sup>(b)</sup> of 40 bps in 4Q25; Commercial net charge-offs<sup>(b)</sup> of 27 bps<br>&nbsp;&nbsp;&nbsp;&nbsp;• Loan-to-core deposit ratio of 72%; 4% demand deposit growth year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Strong profitability resulted in CET1<sup>(d)(e)</sup> increasing 20 bps to 10.77%<br>&nbsp;&nbsp;&nbsp;&nbsp;**Profitability:** <br>&nbsp;&nbsp;&nbsp;&nbsp;• Adjusted ROA<sup>(a)</sup> of 1.41% and adjusted ROTCE ex. AOCI<sup>(a)</sup> of 16.2%<br>&nbsp;&nbsp;&nbsp;&nbsp;• Disciplined expense management; adjusted efficiency ratio<sup>(a)</sup> of 54.3%, an improvement of 50 bps year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Generated 230 bps of positive operating leverage in 2025<br>&nbsp;&nbsp;&nbsp;&nbsp;• Tangible book value per share<sup>(a)</sup> grew 21% year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;**Growth:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• 5% loan growth compared to 4Q24; Middle market loan growth of 7% <br>&nbsp;&nbsp;&nbsp;&nbsp;• Record NII of $6 billion increased 6% year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Consumer household growth of 2.5%, including 7% in the Southeast<br>&nbsp;&nbsp;&nbsp;&nbsp;• Assets under management of $80B, up 16% compared to 4Q24 |
|  |  |  |  |  |  |  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Stability:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• Net charge-offs<sup>(b)</sup> of 40 bps in 4Q25; Commercial net charge-offs<sup>(b)</sup> of 27 bps<br>&nbsp;&nbsp;&nbsp;&nbsp;• Loan-to-core deposit ratio of 72%; 4% demand deposit growth year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Strong profitability resulted in CET1<sup>(d)(e)</sup> increasing 20 bps to 10.77%<br>&nbsp;&nbsp;&nbsp;&nbsp;**Profitability:** <br>&nbsp;&nbsp;&nbsp;&nbsp;• Adjusted ROA<sup>(a)</sup> of 1.41% and adjusted ROTCE ex. AOCI<sup>(a)</sup> of 16.2%<br>&nbsp;&nbsp;&nbsp;&nbsp;• Disciplined expense management; adjusted efficiency ratio<sup>(a)</sup> of 54.3%, an improvement of 50 bps year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Generated 230 bps of positive operating leverage in 2025<br>&nbsp;&nbsp;&nbsp;&nbsp;• Tangible book value per share<sup>(a)</sup> grew 21% year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;**Growth:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• 5% loan growth compared to 4Q24; Middle market loan growth of 7% <br>&nbsp;&nbsp;&nbsp;&nbsp;• Record NII of $6 billion increased 6% year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Consumer household growth of 2.5%, including 7% in the Southeast<br>&nbsp;&nbsp;&nbsp;&nbsp;• Assets under management of $80B, up 16% compared to 4Q24 |
| **Income Statement Data** |  |  |  |  |  |  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Stability:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• Net charge-offs<sup>(b)</sup> of 40 bps in 4Q25; Commercial net charge-offs<sup>(b)</sup> of 27 bps<br>&nbsp;&nbsp;&nbsp;&nbsp;• Loan-to-core deposit ratio of 72%; 4% demand deposit growth year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Strong profitability resulted in CET1<sup>(d)(e)</sup> increasing 20 bps to 10.77%<br>&nbsp;&nbsp;&nbsp;&nbsp;**Profitability:** <br>&nbsp;&nbsp;&nbsp;&nbsp;• Adjusted ROA<sup>(a)</sup> of 1.41% and adjusted ROTCE ex. AOCI<sup>(a)</sup> of 16.2%<br>&nbsp;&nbsp;&nbsp;&nbsp;• Disciplined expense management; adjusted efficiency ratio<sup>(a)</sup> of 54.3%, an improvement of 50 bps year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Generated 230 bps of positive operating leverage in 2025<br>&nbsp;&nbsp;&nbsp;&nbsp;• Tangible book value per share<sup>(a)</sup> grew 21% year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;**Growth:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• 5% loan growth compared to 4Q24; Middle market loan growth of 7% <br>&nbsp;&nbsp;&nbsp;&nbsp;• Record NII of $6 billion increased 6% year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Consumer household growth of 2.5%, including 7% in the Southeast<br>&nbsp;&nbsp;&nbsp;&nbsp;• Assets under management of $80B, up 16% compared to 4Q24 |
| Net income available to common shareholders | $699 |  | $608 |  | $582 |  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Stability:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• Net charge-offs<sup>(b)</sup> of 40 bps in 4Q25; Commercial net charge-offs<sup>(b)</sup> of 27 bps<br>&nbsp;&nbsp;&nbsp;&nbsp;• Loan-to-core deposit ratio of 72%; 4% demand deposit growth year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Strong profitability resulted in CET1<sup>(d)(e)</sup> increasing 20 bps to 10.77%<br>&nbsp;&nbsp;&nbsp;&nbsp;**Profitability:** <br>&nbsp;&nbsp;&nbsp;&nbsp;• Adjusted ROA<sup>(a)</sup> of 1.41% and adjusted ROTCE ex. AOCI<sup>(a)</sup> of 16.2%<br>&nbsp;&nbsp;&nbsp;&nbsp;• Disciplined expense management; adjusted efficiency ratio<sup>(a)</sup> of 54.3%, an improvement of 50 bps year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Generated 230 bps of positive operating leverage in 2025<br>&nbsp;&nbsp;&nbsp;&nbsp;• Tangible book value per share<sup>(a)</sup> grew 21% year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;**Growth:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• 5% loan growth compared to 4Q24; Middle market loan growth of 7% <br>&nbsp;&nbsp;&nbsp;&nbsp;• Record NII of $6 billion increased 6% year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Consumer household growth of 2.5%, including 7% in the Southeast<br>&nbsp;&nbsp;&nbsp;&nbsp;• Assets under management of $80B, up 16% compared to 4Q24 |
| Net interest income (U.S. GAAP) | 1529 |  | 1520 |  | 1437 |  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Stability:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• Net charge-offs<sup>(b)</sup> of 40 bps in 4Q25; Commercial net charge-offs<sup>(b)</sup> of 27 bps<br>&nbsp;&nbsp;&nbsp;&nbsp;• Loan-to-core deposit ratio of 72%; 4% demand deposit growth year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Strong profitability resulted in CET1<sup>(d)(e)</sup> increasing 20 bps to 10.77%<br>&nbsp;&nbsp;&nbsp;&nbsp;**Profitability:** <br>&nbsp;&nbsp;&nbsp;&nbsp;• Adjusted ROA<sup>(a)</sup> of 1.41% and adjusted ROTCE ex. AOCI<sup>(a)</sup> of 16.2%<br>&nbsp;&nbsp;&nbsp;&nbsp;• Disciplined expense management; adjusted efficiency ratio<sup>(a)</sup> of 54.3%, an improvement of 50 bps year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Generated 230 bps of positive operating leverage in 2025<br>&nbsp;&nbsp;&nbsp;&nbsp;• Tangible book value per share<sup>(a)</sup> grew 21% year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;**Growth:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• 5% loan growth compared to 4Q24; Middle market loan growth of 7% <br>&nbsp;&nbsp;&nbsp;&nbsp;• Record NII of $6 billion increased 6% year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Consumer household growth of 2.5%, including 7% in the Southeast<br>&nbsp;&nbsp;&nbsp;&nbsp;• Assets under management of $80B, up 16% compared to 4Q24 |
| Net interest income (FTE)<sup>(a)</sup> | 1533 |  | 1525 |  | 1443 |  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Stability:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• Net charge-offs<sup>(b)</sup> of 40 bps in 4Q25; Commercial net charge-offs<sup>(b)</sup> of 27 bps<br>&nbsp;&nbsp;&nbsp;&nbsp;• Loan-to-core deposit ratio of 72%; 4% demand deposit growth year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Strong profitability resulted in CET1<sup>(d)(e)</sup> increasing 20 bps to 10.77%<br>&nbsp;&nbsp;&nbsp;&nbsp;**Profitability:** <br>&nbsp;&nbsp;&nbsp;&nbsp;• Adjusted ROA<sup>(a)</sup> of 1.41% and adjusted ROTCE ex. AOCI<sup>(a)</sup> of 16.2%<br>&nbsp;&nbsp;&nbsp;&nbsp;• Disciplined expense management; adjusted efficiency ratio<sup>(a)</sup> of 54.3%, an improvement of 50 bps year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Generated 230 bps of positive operating leverage in 2025<br>&nbsp;&nbsp;&nbsp;&nbsp;• Tangible book value per share<sup>(a)</sup> grew 21% year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;**Growth:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• 5% loan growth compared to 4Q24; Middle market loan growth of 7% <br>&nbsp;&nbsp;&nbsp;&nbsp;• Record NII of $6 billion increased 6% year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Consumer household growth of 2.5%, including 7% in the Southeast<br>&nbsp;&nbsp;&nbsp;&nbsp;• Assets under management of $80B, up 16% compared to 4Q24 |
| Noninterest income | 811 |  | 781 |  | 732 |  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Stability:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• Net charge-offs<sup>(b)</sup> of 40 bps in 4Q25; Commercial net charge-offs<sup>(b)</sup> of 27 bps<br>&nbsp;&nbsp;&nbsp;&nbsp;• Loan-to-core deposit ratio of 72%; 4% demand deposit growth year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Strong profitability resulted in CET1<sup>(d)(e)</sup> increasing 20 bps to 10.77%<br>&nbsp;&nbsp;&nbsp;&nbsp;**Profitability:** <br>&nbsp;&nbsp;&nbsp;&nbsp;• Adjusted ROA<sup>(a)</sup> of 1.41% and adjusted ROTCE ex. AOCI<sup>(a)</sup> of 16.2%<br>&nbsp;&nbsp;&nbsp;&nbsp;• Disciplined expense management; adjusted efficiency ratio<sup>(a)</sup> of 54.3%, an improvement of 50 bps year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Generated 230 bps of positive operating leverage in 2025<br>&nbsp;&nbsp;&nbsp;&nbsp;• Tangible book value per share<sup>(a)</sup> grew 21% year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;**Growth:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• 5% loan growth compared to 4Q24; Middle market loan growth of 7% <br>&nbsp;&nbsp;&nbsp;&nbsp;• Record NII of $6 billion increased 6% year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Consumer household growth of 2.5%, including 7% in the Southeast<br>&nbsp;&nbsp;&nbsp;&nbsp;• Assets under management of $80B, up 16% compared to 4Q24 |
| Noninterest expense | 1309 |  | 1267 |  | 1226 |  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Stability:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• Net charge-offs<sup>(b)</sup> of 40 bps in 4Q25; Commercial net charge-offs<sup>(b)</sup> of 27 bps<br>&nbsp;&nbsp;&nbsp;&nbsp;• Loan-to-core deposit ratio of 72%; 4% demand deposit growth year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Strong profitability resulted in CET1<sup>(d)(e)</sup> increasing 20 bps to 10.77%<br>&nbsp;&nbsp;&nbsp;&nbsp;**Profitability:** <br>&nbsp;&nbsp;&nbsp;&nbsp;• Adjusted ROA<sup>(a)</sup> of 1.41% and adjusted ROTCE ex. AOCI<sup>(a)</sup> of 16.2%<br>&nbsp;&nbsp;&nbsp;&nbsp;• Disciplined expense management; adjusted efficiency ratio<sup>(a)</sup> of 54.3%, an improvement of 50 bps year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Generated 230 bps of positive operating leverage in 2025<br>&nbsp;&nbsp;&nbsp;&nbsp;• Tangible book value per share<sup>(a)</sup> grew 21% year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;**Growth:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• 5% loan growth compared to 4Q24; Middle market loan growth of 7% <br>&nbsp;&nbsp;&nbsp;&nbsp;• Record NII of $6 billion increased 6% year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Consumer household growth of 2.5%, including 7% in the Southeast<br>&nbsp;&nbsp;&nbsp;&nbsp;• Assets under management of $80B, up 16% compared to 4Q24 |
|  |  |  |  |  |  |  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Stability:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• Net charge-offs<sup>(b)</sup> of 40 bps in 4Q25; Commercial net charge-offs<sup>(b)</sup> of 27 bps<br>&nbsp;&nbsp;&nbsp;&nbsp;• Loan-to-core deposit ratio of 72%; 4% demand deposit growth year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Strong profitability resulted in CET1<sup>(d)(e)</sup> increasing 20 bps to 10.77%<br>&nbsp;&nbsp;&nbsp;&nbsp;**Profitability:** <br>&nbsp;&nbsp;&nbsp;&nbsp;• Adjusted ROA<sup>(a)</sup> of 1.41% and adjusted ROTCE ex. AOCI<sup>(a)</sup> of 16.2%<br>&nbsp;&nbsp;&nbsp;&nbsp;• Disciplined expense management; adjusted efficiency ratio<sup>(a)</sup> of 54.3%, an improvement of 50 bps year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Generated 230 bps of positive operating leverage in 2025<br>&nbsp;&nbsp;&nbsp;&nbsp;• Tangible book value per share<sup>(a)</sup> grew 21% year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;**Growth:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• 5% loan growth compared to 4Q24; Middle market loan growth of 7% <br>&nbsp;&nbsp;&nbsp;&nbsp;• Record NII of $6 billion increased 6% year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Consumer household growth of 2.5%, including 7% in the Southeast<br>&nbsp;&nbsp;&nbsp;&nbsp;• Assets under management of $80B, up 16% compared to 4Q24 |
| **Per Share Data** |  |  |  |  |  |  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Stability:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• Net charge-offs<sup>(b)</sup> of 40 bps in 4Q25; Commercial net charge-offs<sup>(b)</sup> of 27 bps<br>&nbsp;&nbsp;&nbsp;&nbsp;• Loan-to-core deposit ratio of 72%; 4% demand deposit growth year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Strong profitability resulted in CET1<sup>(d)(e)</sup> increasing 20 bps to 10.77%<br>&nbsp;&nbsp;&nbsp;&nbsp;**Profitability:** <br>&nbsp;&nbsp;&nbsp;&nbsp;• Adjusted ROA<sup>(a)</sup> of 1.41% and adjusted ROTCE ex. AOCI<sup>(a)</sup> of 16.2%<br>&nbsp;&nbsp;&nbsp;&nbsp;• Disciplined expense management; adjusted efficiency ratio<sup>(a)</sup> of 54.3%, an improvement of 50 bps year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Generated 230 bps of positive operating leverage in 2025<br>&nbsp;&nbsp;&nbsp;&nbsp;• Tangible book value per share<sup>(a)</sup> grew 21% year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;**Growth:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• 5% loan growth compared to 4Q24; Middle market loan growth of 7% <br>&nbsp;&nbsp;&nbsp;&nbsp;• Record NII of $6 billion increased 6% year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Consumer household growth of 2.5%, including 7% in the Southeast<br>&nbsp;&nbsp;&nbsp;&nbsp;• Assets under management of $80B, up 16% compared to 4Q24 |
| Earnings per share, basic | $1.05 |  | $0.91 |  | $0.86 |  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Stability:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• Net charge-offs<sup>(b)</sup> of 40 bps in 4Q25; Commercial net charge-offs<sup>(b)</sup> of 27 bps<br>&nbsp;&nbsp;&nbsp;&nbsp;• Loan-to-core deposit ratio of 72%; 4% demand deposit growth year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Strong profitability resulted in CET1<sup>(d)(e)</sup> increasing 20 bps to 10.77%<br>&nbsp;&nbsp;&nbsp;&nbsp;**Profitability:** <br>&nbsp;&nbsp;&nbsp;&nbsp;• Adjusted ROA<sup>(a)</sup> of 1.41% and adjusted ROTCE ex. AOCI<sup>(a)</sup> of 16.2%<br>&nbsp;&nbsp;&nbsp;&nbsp;• Disciplined expense management; adjusted efficiency ratio<sup>(a)</sup> of 54.3%, an improvement of 50 bps year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Generated 230 bps of positive operating leverage in 2025<br>&nbsp;&nbsp;&nbsp;&nbsp;• Tangible book value per share<sup>(a)</sup> grew 21% year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;**Growth:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• 5% loan growth compared to 4Q24; Middle market loan growth of 7% <br>&nbsp;&nbsp;&nbsp;&nbsp;• Record NII of $6 billion increased 6% year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Consumer household growth of 2.5%, including 7% in the Southeast<br>&nbsp;&nbsp;&nbsp;&nbsp;• Assets under management of $80B, up 16% compared to 4Q24 |
| Earnings per share, diluted | 1.04 |  | 0.91 |  | 0.85 |  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Stability:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• Net charge-offs<sup>(b)</sup> of 40 bps in 4Q25; Commercial net charge-offs<sup>(b)</sup> of 27 bps<br>&nbsp;&nbsp;&nbsp;&nbsp;• Loan-to-core deposit ratio of 72%; 4% demand deposit growth year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Strong profitability resulted in CET1<sup>(d)(e)</sup> increasing 20 bps to 10.77%<br>&nbsp;&nbsp;&nbsp;&nbsp;**Profitability:** <br>&nbsp;&nbsp;&nbsp;&nbsp;• Adjusted ROA<sup>(a)</sup> of 1.41% and adjusted ROTCE ex. AOCI<sup>(a)</sup> of 16.2%<br>&nbsp;&nbsp;&nbsp;&nbsp;• Disciplined expense management; adjusted efficiency ratio<sup>(a)</sup> of 54.3%, an improvement of 50 bps year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Generated 230 bps of positive operating leverage in 2025<br>&nbsp;&nbsp;&nbsp;&nbsp;• Tangible book value per share<sup>(a)</sup> grew 21% year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;**Growth:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• 5% loan growth compared to 4Q24; Middle market loan growth of 7% <br>&nbsp;&nbsp;&nbsp;&nbsp;• Record NII of $6 billion increased 6% year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Consumer household growth of 2.5%, including 7% in the Southeast<br>&nbsp;&nbsp;&nbsp;&nbsp;• Assets under management of $80B, up 16% compared to 4Q24 |
| Book value per share | 30.18 |  | 29.26 |  | 26.17 |  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Stability:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• Net charge-offs<sup>(b)</sup> of 40 bps in 4Q25; Commercial net charge-offs<sup>(b)</sup> of 27 bps<br>&nbsp;&nbsp;&nbsp;&nbsp;• Loan-to-core deposit ratio of 72%; 4% demand deposit growth year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Strong profitability resulted in CET1<sup>(d)(e)</sup> increasing 20 bps to 10.77%<br>&nbsp;&nbsp;&nbsp;&nbsp;**Profitability:** <br>&nbsp;&nbsp;&nbsp;&nbsp;• Adjusted ROA<sup>(a)</sup> of 1.41% and adjusted ROTCE ex. AOCI<sup>(a)</sup> of 16.2%<br>&nbsp;&nbsp;&nbsp;&nbsp;• Disciplined expense management; adjusted efficiency ratio<sup>(a)</sup> of 54.3%, an improvement of 50 bps year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Generated 230 bps of positive operating leverage in 2025<br>&nbsp;&nbsp;&nbsp;&nbsp;• Tangible book value per share<sup>(a)</sup> grew 21% year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;**Growth:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• 5% loan growth compared to 4Q24; Middle market loan growth of 7% <br>&nbsp;&nbsp;&nbsp;&nbsp;• Record NII of $6 billion increased 6% year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Consumer household growth of 2.5%, including 7% in the Southeast<br>&nbsp;&nbsp;&nbsp;&nbsp;• Assets under management of $80B, up 16% compared to 4Q24 |
| Tangible book value per share<sup>(a)</sup> | 22.60 |  | 21.66 |  | 18.69 |  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Stability:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• Net charge-offs<sup>(b)</sup> of 40 bps in 4Q25; Commercial net charge-offs<sup>(b)</sup> of 27 bps<br>&nbsp;&nbsp;&nbsp;&nbsp;• Loan-to-core deposit ratio of 72%; 4% demand deposit growth year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Strong profitability resulted in CET1<sup>(d)(e)</sup> increasing 20 bps to 10.77%<br>&nbsp;&nbsp;&nbsp;&nbsp;**Profitability:** <br>&nbsp;&nbsp;&nbsp;&nbsp;• Adjusted ROA<sup>(a)</sup> of 1.41% and adjusted ROTCE ex. AOCI<sup>(a)</sup> of 16.2%<br>&nbsp;&nbsp;&nbsp;&nbsp;• Disciplined expense management; adjusted efficiency ratio<sup>(a)</sup> of 54.3%, an improvement of 50 bps year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Generated 230 bps of positive operating leverage in 2025<br>&nbsp;&nbsp;&nbsp;&nbsp;• Tangible book value per share<sup>(a)</sup> grew 21% year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;**Growth:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• 5% loan growth compared to 4Q24; Middle market loan growth of 7% <br>&nbsp;&nbsp;&nbsp;&nbsp;• Record NII of $6 billion increased 6% year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Consumer household growth of 2.5%, including 7% in the Southeast<br>&nbsp;&nbsp;&nbsp;&nbsp;• Assets under management of $80B, up 16% compared to 4Q24 |
|  |  |  |  |  |  |  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Stability:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• Net charge-offs<sup>(b)</sup> of 40 bps in 4Q25; Commercial net charge-offs<sup>(b)</sup> of 27 bps<br>&nbsp;&nbsp;&nbsp;&nbsp;• Loan-to-core deposit ratio of 72%; 4% demand deposit growth year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Strong profitability resulted in CET1<sup>(d)(e)</sup> increasing 20 bps to 10.77%<br>&nbsp;&nbsp;&nbsp;&nbsp;**Profitability:** <br>&nbsp;&nbsp;&nbsp;&nbsp;• Adjusted ROA<sup>(a)</sup> of 1.41% and adjusted ROTCE ex. AOCI<sup>(a)</sup> of 16.2%<br>&nbsp;&nbsp;&nbsp;&nbsp;• Disciplined expense management; adjusted efficiency ratio<sup>(a)</sup> of 54.3%, an improvement of 50 bps year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Generated 230 bps of positive operating leverage in 2025<br>&nbsp;&nbsp;&nbsp;&nbsp;• Tangible book value per share<sup>(a)</sup> grew 21% year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;**Growth:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• 5% loan growth compared to 4Q24; Middle market loan growth of 7% <br>&nbsp;&nbsp;&nbsp;&nbsp;• Record NII of $6 billion increased 6% year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Consumer household growth of 2.5%, including 7% in the Southeast<br>&nbsp;&nbsp;&nbsp;&nbsp;• Assets under management of $80B, up 16% compared to 4Q24 |
| **Balance Sheet & Credit Quality** |  |  |  |  |  |  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Stability:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• Net charge-offs<sup>(b)</sup> of 40 bps in 4Q25; Commercial net charge-offs<sup>(b)</sup> of 27 bps<br>&nbsp;&nbsp;&nbsp;&nbsp;• Loan-to-core deposit ratio of 72%; 4% demand deposit growth year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Strong profitability resulted in CET1<sup>(d)(e)</sup> increasing 20 bps to 10.77%<br>&nbsp;&nbsp;&nbsp;&nbsp;**Profitability:** <br>&nbsp;&nbsp;&nbsp;&nbsp;• Adjusted ROA<sup>(a)</sup> of 1.41% and adjusted ROTCE ex. AOCI<sup>(a)</sup> of 16.2%<br>&nbsp;&nbsp;&nbsp;&nbsp;• Disciplined expense management; adjusted efficiency ratio<sup>(a)</sup> of 54.3%, an improvement of 50 bps year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Generated 230 bps of positive operating leverage in 2025<br>&nbsp;&nbsp;&nbsp;&nbsp;• Tangible book value per share<sup>(a)</sup> grew 21% year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;**Growth:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• 5% loan growth compared to 4Q24; Middle market loan growth of 7% <br>&nbsp;&nbsp;&nbsp;&nbsp;• Record NII of $6 billion increased 6% year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Consumer household growth of 2.5%, including 7% in the Southeast<br>&nbsp;&nbsp;&nbsp;&nbsp;• Assets under management of $80B, up 16% compared to 4Q24 |
| Average portfolio loans and leases | $123430 |  | $123326 |  | $117860 |  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Stability:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• Net charge-offs<sup>(b)</sup> of 40 bps in 4Q25; Commercial net charge-offs<sup>(b)</sup> of 27 bps<br>&nbsp;&nbsp;&nbsp;&nbsp;• Loan-to-core deposit ratio of 72%; 4% demand deposit growth year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Strong profitability resulted in CET1<sup>(d)(e)</sup> increasing 20 bps to 10.77%<br>&nbsp;&nbsp;&nbsp;&nbsp;**Profitability:** <br>&nbsp;&nbsp;&nbsp;&nbsp;• Adjusted ROA<sup>(a)</sup> of 1.41% and adjusted ROTCE ex. AOCI<sup>(a)</sup> of 16.2%<br>&nbsp;&nbsp;&nbsp;&nbsp;• Disciplined expense management; adjusted efficiency ratio<sup>(a)</sup> of 54.3%, an improvement of 50 bps year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Generated 230 bps of positive operating leverage in 2025<br>&nbsp;&nbsp;&nbsp;&nbsp;• Tangible book value per share<sup>(a)</sup> grew 21% year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;**Growth:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• 5% loan growth compared to 4Q24; Middle market loan growth of 7% <br>&nbsp;&nbsp;&nbsp;&nbsp;• Record NII of $6 billion increased 6% year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Consumer household growth of 2.5%, including 7% in the Southeast<br>&nbsp;&nbsp;&nbsp;&nbsp;• Assets under management of $80B, up 16% compared to 4Q24 |
| Average deposits | 168384 |  | 164754 |  | 167237 |  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Stability:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• Net charge-offs<sup>(b)</sup> of 40 bps in 4Q25; Commercial net charge-offs<sup>(b)</sup> of 27 bps<br>&nbsp;&nbsp;&nbsp;&nbsp;• Loan-to-core deposit ratio of 72%; 4% demand deposit growth year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Strong profitability resulted in CET1<sup>(d)(e)</sup> increasing 20 bps to 10.77%<br>&nbsp;&nbsp;&nbsp;&nbsp;**Profitability:** <br>&nbsp;&nbsp;&nbsp;&nbsp;• Adjusted ROA<sup>(a)</sup> of 1.41% and adjusted ROTCE ex. AOCI<sup>(a)</sup> of 16.2%<br>&nbsp;&nbsp;&nbsp;&nbsp;• Disciplined expense management; adjusted efficiency ratio<sup>(a)</sup> of 54.3%, an improvement of 50 bps year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Generated 230 bps of positive operating leverage in 2025<br>&nbsp;&nbsp;&nbsp;&nbsp;• Tangible book value per share<sup>(a)</sup> grew 21% year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;**Growth:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• 5% loan growth compared to 4Q24; Middle market loan growth of 7% <br>&nbsp;&nbsp;&nbsp;&nbsp;• Record NII of $6 billion increased 6% year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Consumer household growth of 2.5%, including 7% in the Southeast<br>&nbsp;&nbsp;&nbsp;&nbsp;• Assets under management of $80B, up 16% compared to 4Q24 |
| Accumulated other comprehensive loss | (3110) |  | (3276) |  | (4636) |  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Stability:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• Net charge-offs<sup>(b)</sup> of 40 bps in 4Q25; Commercial net charge-offs<sup>(b)</sup> of 27 bps<br>&nbsp;&nbsp;&nbsp;&nbsp;• Loan-to-core deposit ratio of 72%; 4% demand deposit growth year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Strong profitability resulted in CET1<sup>(d)(e)</sup> increasing 20 bps to 10.77%<br>&nbsp;&nbsp;&nbsp;&nbsp;**Profitability:** <br>&nbsp;&nbsp;&nbsp;&nbsp;• Adjusted ROA<sup>(a)</sup> of 1.41% and adjusted ROTCE ex. AOCI<sup>(a)</sup> of 16.2%<br>&nbsp;&nbsp;&nbsp;&nbsp;• Disciplined expense management; adjusted efficiency ratio<sup>(a)</sup> of 54.3%, an improvement of 50 bps year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Generated 230 bps of positive operating leverage in 2025<br>&nbsp;&nbsp;&nbsp;&nbsp;• Tangible book value per share<sup>(a)</sup> grew 21% year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;**Growth:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• 5% loan growth compared to 4Q24; Middle market loan growth of 7% <br>&nbsp;&nbsp;&nbsp;&nbsp;• Record NII of $6 billion increased 6% year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Consumer household growth of 2.5%, including 7% in the Southeast<br>&nbsp;&nbsp;&nbsp;&nbsp;• Assets under management of $80B, up 16% compared to 4Q24 |
| Net charge-off ratio<sup>(b)</sup> | 0.40 | % | 1.09 | % | 0.46 | % | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Stability:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• Net charge-offs<sup>(b)</sup> of 40 bps in 4Q25; Commercial net charge-offs<sup>(b)</sup> of 27 bps<br>&nbsp;&nbsp;&nbsp;&nbsp;• Loan-to-core deposit ratio of 72%; 4% demand deposit growth year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Strong profitability resulted in CET1<sup>(d)(e)</sup> increasing 20 bps to 10.77%<br>&nbsp;&nbsp;&nbsp;&nbsp;**Profitability:** <br>&nbsp;&nbsp;&nbsp;&nbsp;• Adjusted ROA<sup>(a)</sup> of 1.41% and adjusted ROTCE ex. AOCI<sup>(a)</sup> of 16.2%<br>&nbsp;&nbsp;&nbsp;&nbsp;• Disciplined expense management; adjusted efficiency ratio<sup>(a)</sup> of 54.3%, an improvement of 50 bps year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Generated 230 bps of positive operating leverage in 2025<br>&nbsp;&nbsp;&nbsp;&nbsp;• Tangible book value per share<sup>(a)</sup> grew 21% year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;**Growth:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• 5% loan growth compared to 4Q24; Middle market loan growth of 7% <br>&nbsp;&nbsp;&nbsp;&nbsp;• Record NII of $6 billion increased 6% year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Consumer household growth of 2.5%, including 7% in the Southeast<br>&nbsp;&nbsp;&nbsp;&nbsp;• Assets under management of $80B, up 16% compared to 4Q24 |
| Nonperforming asset ratio<sup>(c)</sup> | 0.65 |  | 0.65 |  | 0.71 |  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Stability:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• Net charge-offs<sup>(b)</sup> of 40 bps in 4Q25; Commercial net charge-offs<sup>(b)</sup> of 27 bps<br>&nbsp;&nbsp;&nbsp;&nbsp;• Loan-to-core deposit ratio of 72%; 4% demand deposit growth year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Strong profitability resulted in CET1<sup>(d)(e)</sup> increasing 20 bps to 10.77%<br>&nbsp;&nbsp;&nbsp;&nbsp;**Profitability:** <br>&nbsp;&nbsp;&nbsp;&nbsp;• Adjusted ROA<sup>(a)</sup> of 1.41% and adjusted ROTCE ex. AOCI<sup>(a)</sup> of 16.2%<br>&nbsp;&nbsp;&nbsp;&nbsp;• Disciplined expense management; adjusted efficiency ratio<sup>(a)</sup> of 54.3%, an improvement of 50 bps year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Generated 230 bps of positive operating leverage in 2025<br>&nbsp;&nbsp;&nbsp;&nbsp;• Tangible book value per share<sup>(a)</sup> grew 21% year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;**Growth:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• 5% loan growth compared to 4Q24; Middle market loan growth of 7% <br>&nbsp;&nbsp;&nbsp;&nbsp;• Record NII of $6 billion increased 6% year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Consumer household growth of 2.5%, including 7% in the Southeast<br>&nbsp;&nbsp;&nbsp;&nbsp;• Assets under management of $80B, up 16% compared to 4Q24 |
|  |  |  |  |  |  |  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Stability:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• Net charge-offs<sup>(b)</sup> of 40 bps in 4Q25; Commercial net charge-offs<sup>(b)</sup> of 27 bps<br>&nbsp;&nbsp;&nbsp;&nbsp;• Loan-to-core deposit ratio of 72%; 4% demand deposit growth year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Strong profitability resulted in CET1<sup>(d)(e)</sup> increasing 20 bps to 10.77%<br>&nbsp;&nbsp;&nbsp;&nbsp;**Profitability:** <br>&nbsp;&nbsp;&nbsp;&nbsp;• Adjusted ROA<sup>(a)</sup> of 1.41% and adjusted ROTCE ex. AOCI<sup>(a)</sup> of 16.2%<br>&nbsp;&nbsp;&nbsp;&nbsp;• Disciplined expense management; adjusted efficiency ratio<sup>(a)</sup> of 54.3%, an improvement of 50 bps year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Generated 230 bps of positive operating leverage in 2025<br>&nbsp;&nbsp;&nbsp;&nbsp;• Tangible book value per share<sup>(a)</sup> grew 21% year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;**Growth:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• 5% loan growth compared to 4Q24; Middle market loan growth of 7% <br>&nbsp;&nbsp;&nbsp;&nbsp;• Record NII of $6 billion increased 6% year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Consumer household growth of 2.5%, including 7% in the Southeast<br>&nbsp;&nbsp;&nbsp;&nbsp;• Assets under management of $80B, up 16% compared to 4Q24 |
| **Financial Ratios** |  |  |  |  |  |  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Stability:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• Net charge-offs<sup>(b)</sup> of 40 bps in 4Q25; Commercial net charge-offs<sup>(b)</sup> of 27 bps<br>&nbsp;&nbsp;&nbsp;&nbsp;• Loan-to-core deposit ratio of 72%; 4% demand deposit growth year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Strong profitability resulted in CET1<sup>(d)(e)</sup> increasing 20 bps to 10.77%<br>&nbsp;&nbsp;&nbsp;&nbsp;**Profitability:** <br>&nbsp;&nbsp;&nbsp;&nbsp;• Adjusted ROA<sup>(a)</sup> of 1.41% and adjusted ROTCE ex. AOCI<sup>(a)</sup> of 16.2%<br>&nbsp;&nbsp;&nbsp;&nbsp;• Disciplined expense management; adjusted efficiency ratio<sup>(a)</sup> of 54.3%, an improvement of 50 bps year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Generated 230 bps of positive operating leverage in 2025<br>&nbsp;&nbsp;&nbsp;&nbsp;• Tangible book value per share<sup>(a)</sup> grew 21% year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;**Growth:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• 5% loan growth compared to 4Q24; Middle market loan growth of 7% <br>&nbsp;&nbsp;&nbsp;&nbsp;• Record NII of $6 billion increased 6% year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Consumer household growth of 2.5%, including 7% in the Southeast<br>&nbsp;&nbsp;&nbsp;&nbsp;• Assets under management of $80B, up 16% compared to 4Q24 |
| Return on average assets | 1.36 | % | 1.21 | % | 1.17 | % | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Stability:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• Net charge-offs<sup>(b)</sup> of 40 bps in 4Q25; Commercial net charge-offs<sup>(b)</sup> of 27 bps<br>&nbsp;&nbsp;&nbsp;&nbsp;• Loan-to-core deposit ratio of 72%; 4% demand deposit growth year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Strong profitability resulted in CET1<sup>(d)(e)</sup> increasing 20 bps to 10.77%<br>&nbsp;&nbsp;&nbsp;&nbsp;**Profitability:** <br>&nbsp;&nbsp;&nbsp;&nbsp;• Adjusted ROA<sup>(a)</sup> of 1.41% and adjusted ROTCE ex. AOCI<sup>(a)</sup> of 16.2%<br>&nbsp;&nbsp;&nbsp;&nbsp;• Disciplined expense management; adjusted efficiency ratio<sup>(a)</sup> of 54.3%, an improvement of 50 bps year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Generated 230 bps of positive operating leverage in 2025<br>&nbsp;&nbsp;&nbsp;&nbsp;• Tangible book value per share<sup>(a)</sup> grew 21% year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;**Growth:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• 5% loan growth compared to 4Q24; Middle market loan growth of 7% <br>&nbsp;&nbsp;&nbsp;&nbsp;• Record NII of $6 billion increased 6% year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Consumer household growth of 2.5%, including 7% in the Southeast<br>&nbsp;&nbsp;&nbsp;&nbsp;• Assets under management of $80B, up 16% compared to 4Q24 |
| Return on average common equity | 14.0 |  | 12.6 |  | 13.0 |  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Stability:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• Net charge-offs<sup>(b)</sup> of 40 bps in 4Q25; Commercial net charge-offs<sup>(b)</sup> of 27 bps<br>&nbsp;&nbsp;&nbsp;&nbsp;• Loan-to-core deposit ratio of 72%; 4% demand deposit growth year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Strong profitability resulted in CET1<sup>(d)(e)</sup> increasing 20 bps to 10.77%<br>&nbsp;&nbsp;&nbsp;&nbsp;**Profitability:** <br>&nbsp;&nbsp;&nbsp;&nbsp;• Adjusted ROA<sup>(a)</sup> of 1.41% and adjusted ROTCE ex. AOCI<sup>(a)</sup> of 16.2%<br>&nbsp;&nbsp;&nbsp;&nbsp;• Disciplined expense management; adjusted efficiency ratio<sup>(a)</sup> of 54.3%, an improvement of 50 bps year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Generated 230 bps of positive operating leverage in 2025<br>&nbsp;&nbsp;&nbsp;&nbsp;• Tangible book value per share<sup>(a)</sup> grew 21% year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;**Growth:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• 5% loan growth compared to 4Q24; Middle market loan growth of 7% <br>&nbsp;&nbsp;&nbsp;&nbsp;• Record NII of $6 billion increased 6% year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Consumer household growth of 2.5%, including 7% in the Southeast<br>&nbsp;&nbsp;&nbsp;&nbsp;• Assets under management of $80B, up 16% compared to 4Q24 |
| Return on average tangible common equity<sup>(a)</sup> | 19.0 |  | 17.3 |  | 18.4 |  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Stability:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• Net charge-offs<sup>(b)</sup> of 40 bps in 4Q25; Commercial net charge-offs<sup>(b)</sup> of 27 bps<br>&nbsp;&nbsp;&nbsp;&nbsp;• Loan-to-core deposit ratio of 72%; 4% demand deposit growth year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Strong profitability resulted in CET1<sup>(d)(e)</sup> increasing 20 bps to 10.77%<br>&nbsp;&nbsp;&nbsp;&nbsp;**Profitability:** <br>&nbsp;&nbsp;&nbsp;&nbsp;• Adjusted ROA<sup>(a)</sup> of 1.41% and adjusted ROTCE ex. AOCI<sup>(a)</sup> of 16.2%<br>&nbsp;&nbsp;&nbsp;&nbsp;• Disciplined expense management; adjusted efficiency ratio<sup>(a)</sup> of 54.3%, an improvement of 50 bps year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Generated 230 bps of positive operating leverage in 2025<br>&nbsp;&nbsp;&nbsp;&nbsp;• Tangible book value per share<sup>(a)</sup> grew 21% year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;**Growth:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• 5% loan growth compared to 4Q24; Middle market loan growth of 7% <br>&nbsp;&nbsp;&nbsp;&nbsp;• Record NII of $6 billion increased 6% year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Consumer household growth of 2.5%, including 7% in the Southeast<br>&nbsp;&nbsp;&nbsp;&nbsp;• Assets under management of $80B, up 16% compared to 4Q24 |
| CET1 capital<sup>(d)(e)</sup> | 10.77 |  | 10.57 |  | 10.57 |  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Stability:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• Net charge-offs<sup>(b)</sup> of 40 bps in 4Q25; Commercial net charge-offs<sup>(b)</sup> of 27 bps<br>&nbsp;&nbsp;&nbsp;&nbsp;• Loan-to-core deposit ratio of 72%; 4% demand deposit growth year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Strong profitability resulted in CET1<sup>(d)(e)</sup> increasing 20 bps to 10.77%<br>&nbsp;&nbsp;&nbsp;&nbsp;**Profitability:** <br>&nbsp;&nbsp;&nbsp;&nbsp;• Adjusted ROA<sup>(a)</sup> of 1.41% and adjusted ROTCE ex. AOCI<sup>(a)</sup> of 16.2%<br>&nbsp;&nbsp;&nbsp;&nbsp;• Disciplined expense management; adjusted efficiency ratio<sup>(a)</sup> of 54.3%, an improvement of 50 bps year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Generated 230 bps of positive operating leverage in 2025<br>&nbsp;&nbsp;&nbsp;&nbsp;• Tangible book value per share<sup>(a)</sup> grew 21% year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;**Growth:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• 5% loan growth compared to 4Q24; Middle market loan growth of 7% <br>&nbsp;&nbsp;&nbsp;&nbsp;• Record NII of $6 billion increased 6% year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Consumer household growth of 2.5%, including 7% in the Southeast<br>&nbsp;&nbsp;&nbsp;&nbsp;• Assets under management of $80B, up 16% compared to 4Q24 |
| Net interest margin<sup>(a)</sup> | 3.13 |  | 3.13 |  | 2.97 |  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Stability:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• Net charge-offs<sup>(b)</sup> of 40 bps in 4Q25; Commercial net charge-offs<sup>(b)</sup> of 27 bps<br>&nbsp;&nbsp;&nbsp;&nbsp;• Loan-to-core deposit ratio of 72%; 4% demand deposit growth year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Strong profitability resulted in CET1<sup>(d)(e)</sup> increasing 20 bps to 10.77%<br>&nbsp;&nbsp;&nbsp;&nbsp;**Profitability:** <br>&nbsp;&nbsp;&nbsp;&nbsp;• Adjusted ROA<sup>(a)</sup> of 1.41% and adjusted ROTCE ex. AOCI<sup>(a)</sup> of 16.2%<br>&nbsp;&nbsp;&nbsp;&nbsp;• Disciplined expense management; adjusted efficiency ratio<sup>(a)</sup> of 54.3%, an improvement of 50 bps year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Generated 230 bps of positive operating leverage in 2025<br>&nbsp;&nbsp;&nbsp;&nbsp;• Tangible book value per share<sup>(a)</sup> grew 21% year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;**Growth:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• 5% loan growth compared to 4Q24; Middle market loan growth of 7% <br>&nbsp;&nbsp;&nbsp;&nbsp;• Record NII of $6 billion increased 6% year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Consumer household growth of 2.5%, including 7% in the Southeast<br>&nbsp;&nbsp;&nbsp;&nbsp;• Assets under management of $80B, up 16% compared to 4Q24 |
| Efficiency<sup>(a)</sup> | 55.8 |  | 54.9 |  | 56.4 |  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Stability:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• Net charge-offs<sup>(b)</sup> of 40 bps in 4Q25; Commercial net charge-offs<sup>(b)</sup> of 27 bps<br>&nbsp;&nbsp;&nbsp;&nbsp;• Loan-to-core deposit ratio of 72%; 4% demand deposit growth year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Strong profitability resulted in CET1<sup>(d)(e)</sup> increasing 20 bps to 10.77%<br>&nbsp;&nbsp;&nbsp;&nbsp;**Profitability:** <br>&nbsp;&nbsp;&nbsp;&nbsp;• Adjusted ROA<sup>(a)</sup> of 1.41% and adjusted ROTCE ex. AOCI<sup>(a)</sup> of 16.2%<br>&nbsp;&nbsp;&nbsp;&nbsp;• Disciplined expense management; adjusted efficiency ratio<sup>(a)</sup> of 54.3%, an improvement of 50 bps year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Generated 230 bps of positive operating leverage in 2025<br>&nbsp;&nbsp;&nbsp;&nbsp;• Tangible book value per share<sup>(a)</sup> grew 21% year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;**Growth:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• 5% loan growth compared to 4Q24; Middle market loan growth of 7% <br>&nbsp;&nbsp;&nbsp;&nbsp;• Record NII of $6 billion increased 6% year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Consumer household growth of 2.5%, including 7% in the Southeast<br>&nbsp;&nbsp;&nbsp;&nbsp;• Assets under management of $80B, up 16% compared to 4Q24 |
| *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;• Net charge-offs<sup>(b)</sup> of 40 bps in 4Q25; Commercial net charge-offs<sup>(b)</sup> of 27 bps<br>&nbsp;&nbsp;&nbsp;&nbsp;• Loan-to-core deposit ratio of 72%; 4% demand deposit growth year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Strong profitability resulted in CET1<sup>(d)(e)</sup> increasing 20 bps to 10.77%<br>&nbsp;&nbsp;&nbsp;&nbsp;**Profitability:** <br>&nbsp;&nbsp;&nbsp;&nbsp;• Adjusted ROA<sup>(a)</sup> of 1.41% and adjusted ROTCE ex. AOCI<sup>(a)</sup> of 16.2%<br>&nbsp;&nbsp;&nbsp;&nbsp;• Disciplined expense management; adjusted efficiency ratio<sup>(a)</sup> of 54.3%, an improvement of 50 bps year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Generated 230 bps of positive operating leverage in 2025<br>&nbsp;&nbsp;&nbsp;&nbsp;• Tangible book value per share<sup>(a)</sup> grew 21% year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;**Growth:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• 5% loan growth compared to 4Q24; Middle market loan growth of 7% <br>&nbsp;&nbsp;&nbsp;&nbsp;• Record NII of $6 billion increased 6% year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Consumer household growth of 2.5%, including 7% in the Southeast<br>&nbsp;&nbsp;&nbsp;&nbsp;• Assets under management of $80B, up 16% compared to 4Q24 |
| *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;• Net charge-offs<sup>(b)</sup> of 40 bps in 4Q25; Commercial net charge-offs<sup>(b)</sup> of 27 bps<br>&nbsp;&nbsp;&nbsp;&nbsp;• Loan-to-core deposit ratio of 72%; 4% demand deposit growth year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Strong profitability resulted in CET1<sup>(d)(e)</sup> increasing 20 bps to 10.77%<br>&nbsp;&nbsp;&nbsp;&nbsp;**Profitability:** <br>&nbsp;&nbsp;&nbsp;&nbsp;• Adjusted ROA<sup>(a)</sup> of 1.41% and adjusted ROTCE ex. AOCI<sup>(a)</sup> of 16.2%<br>&nbsp;&nbsp;&nbsp;&nbsp;• Disciplined expense management; adjusted efficiency ratio<sup>(a)</sup> of 54.3%, an improvement of 50 bps year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Generated 230 bps of positive operating leverage in 2025<br>&nbsp;&nbsp;&nbsp;&nbsp;• Tangible book value per share<sup>(a)</sup> grew 21% year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;**Growth:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• 5% loan growth compared to 4Q24; Middle market loan growth of 7% <br>&nbsp;&nbsp;&nbsp;&nbsp;• Record NII of $6 billion increased 6% year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Consumer household growth of 2.5%, including 7% in the Southeast<br>&nbsp;&nbsp;&nbsp;&nbsp;• Assets under management of $80B, up 16% compared to 4Q24 |
| *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;• Net charge-offs<sup>(b)</sup> of 40 bps in 4Q25; Commercial net charge-offs<sup>(b)</sup> of 27 bps<br>&nbsp;&nbsp;&nbsp;&nbsp;• Loan-to-core deposit ratio of 72%; 4% demand deposit growth year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Strong profitability resulted in CET1<sup>(d)(e)</sup> increasing 20 bps to 10.77%<br>&nbsp;&nbsp;&nbsp;&nbsp;**Profitability:** <br>&nbsp;&nbsp;&nbsp;&nbsp;• Adjusted ROA<sup>(a)</sup> of 1.41% and adjusted ROTCE ex. AOCI<sup>(a)</sup> of 16.2%<br>&nbsp;&nbsp;&nbsp;&nbsp;• Disciplined expense management; adjusted efficiency ratio<sup>(a)</sup> of 54.3%, an improvement of 50 bps year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Generated 230 bps of positive operating leverage in 2025<br>&nbsp;&nbsp;&nbsp;&nbsp;• Tangible book value per share<sup>(a)</sup> grew 21% year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;**Growth:**<br>&nbsp;&nbsp;&nbsp;&nbsp;• 5% loan growth compared to 4Q24; Middle market loan growth of 7% <br>&nbsp;&nbsp;&nbsp;&nbsp;• Record NII of $6 billion increased 6% year-over-year<br>&nbsp;&nbsp;&nbsp;&nbsp;• Consumer household growth of 2.5%, including 7% in the Southeast<br>&nbsp;&nbsp;&nbsp;&nbsp;• Assets under management of $80B, up 16% compared to 4Q24 |

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

*Fifth Third delivered strong operating results in the fourth quarter and for the full year. In 2025, we produced record NII, generated profitable relationship growth and diligently managed our expenses, generating 230 bps of positive operating leverage. Our strong profitability allowed us to return $1.6 billion of capital to our shareholders while maintaining strong capital ratios and increasing tangible book value per share 21% compared to last year.* 

*Our consistent investment and focus on growth priorities continue to drive strong results. In 2025, we opened 50 branches in our high-growth Southeast markets and grew consumer households by 2.5%. We generated record quarterly revenue in our Wealth & Asset Management business, and assets under management increased 16% year-over-year to $80 billion.*

*Years of disciplined execution on strategic initiatives have positioned us to deliver sustained profitability as we integrate Comerica. With shareholder and regulatory approvals secured, we expect the transaction to close on February 1, 2026. We remain confident in our ability to achieve the expected financial synergies from the pending acquisition, and the result will be a Fifth Third that is better and not just bigger.* 

Investor contact: Matt Curoe (513) 534-2345 \| Media contact: Jennifer Hendricks Sullivan (614) 744-7693 January 20, 2026

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Income Statement Highlights** | | | | | |
| **($ in millions, except per share data)** | For the Three Months Ended | For the Three Months Ended | For the Three Months Ended | % Change | % Change |
|  | December | September | December |  |  |
|  | 2025 | 2025 | 2024 | Seq | Yr/Yr |
| **Condensed Statements of Income** |  |  |  |  |  |
| Net interest income (NII)<sup>(a)</sup> | $1533 | $1525 | $1443 | 1% | 6% |
| Provision for credit losses | 119 | 197 | 179 | (40)% | (34)% |
| Noninterest income | 811 | 781 | 732 | 4% | 11% |
| Noninterest expense | 1309 | 1267 | 1226 | 3% | 7% |
| Income before income taxes<sup>(a)</sup> | $916 | $842 | $770 | 9% | 19% |
| Taxable equivalent adjustment | $4 | $5 | $6 | (20)% | (33)% |
| Applicable income tax expense | 181 | 188 | 144 | (4)% | 26% |
| Net income | $731 | $649 | $620 | 13% | 18% |
| Dividends on preferred stock | 32 | 41 | 38 | (22)% | (16)% |
| Net income available to common shareholders | $699 | $608 | $582 | 15% | 20% |
| Earnings per share, diluted | $1.04 | $0.91 | $0.85 | 14% | 22% |

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Fifth Third Bancorp (NASDAQ<sup>®</sup>: FITB) today reported fourth quarter 2025 net income available to common shareholders of $699 million, or $1.04 per diluted share, compared to $608 million, or $0.91 per diluted share, in the prior quarter and $582 million, or $0.85 per diluted share, in the year-ago quarter.

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| | |
|:---|:---|
| **Diluted earnings per share impact of certain item(s) - 4Q25** | **Diluted earnings per share impact of certain item(s) - 4Q25** |
| **(after-tax impact; $ in millions, except per share data)** | **(after-tax impact; $ in millions, except per share data)** |
| Fifth Third Foundation contribution<sup>(f)</sup> | $(38) |
| Merger-related expenses<sup>(f)1</sup> | (13) |
| Interchange litigation matters<sup>(f)2</sup> | (8) |
| Benefit related to the resolution of certain tax matters | 7 |
| Litigation settlements (noninterest income)<sup>(f)</sup> | 9 |
| FDIC special assessment (noninterest expense)<sup>(f)</sup> | 19 |
| After-tax impact of certain item(s) | $(24) |
| Diluted earnings per share impact of certain item(s)<sup>3</sup> | $(0.04) |
| *Totals may not foot due to rounding;* <sup>1</sup>*A portion of the adjustments related to merger-related expenses are not tax-deductible;* <sup>2</sup>*Interchange litigation matters decreased noninterest income by $8 million and increased noninterest expense by $3 million;* <sup>3</sup>*Diluted earnings per share impact reflects 669.153 million average diluted shares outstanding* | *Totals may not foot due to rounding;* <sup>1</sup>*A portion of the adjustments related to merger-related expenses are not tax-deductible;* <sup>2</sup>*Interchange litigation matters decreased noninterest income by $8 million and increased noninterest expense by $3 million;* <sup>3</sup>*Diluted earnings per share impact reflects 669.153 million average diluted shares outstanding* |

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Full year 2025 net income available to common shareholders was $2.4 billion, or $3.53 per diluted share, compared to full year 2024 net income available to common shareholders of $2.2 billion, or $3.14 per diluted share.

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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 |
|  | December | September | December |  |  |
|  | 2025 | 2025 | 2024 | Seq | Yr/Yr |
| **Interest Income** |  |  |  |  |  |
| Interest income | $2472 | $2524 | $2534 | (2)% | (2)% |
| Interest expense | 939 | 999 | 1091 | (6)% | (14)% |
| Net interest income (NII) | $1533 | $1525 | $1443 | 1% | 6% |
| **Average Yield/Rate Analysis** |  |  |  | bps Change | bps Change |
| Yield on interest-earning assets | 5.05% | 5.18% | 5.21% | (13) | (16) |
| Rate paid on interest-bearing liabilities | 2.60% | 2.77% | 3.00% | (17) | (40) |
| **Ratios** |  |  |  |  |  |
| Net interest rate spread | 2.45% | 2.41% | 2.21% | 4 | 24 |
| Net interest margin (NIM) | 3.13% | 3.13% | 2.97% |  | 16 |

---

Fully taxable-equivalent (FTE) NII of $1.533 billion increased $8 million, or 1%, compared to the prior quarter. This improvement primarily reflects deposit and wholesale funding management actions decreasing the cost of interest-bearing liabilities, partially offset by lower loan yields due to the impact of market rates on floating rate loans. These same factors, coupled with higher average other short-term investments (including interest-bearing cash), contributed to the flat NIM in the quarter.

Compared to the year-ago quarter, NII increased $90 million, or 6%, and NIM increased 16 bps. This improvement was due to the benefits from proactive deposit and wholesale funding management decreasing interest-bearing liabilities costs by 40 bps and the benefit of fixed-rate asset repricing, which combined more than offset the 16 bps decrease in interest-earning asset yields.

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Noninterest Income** | | | | | |
| **($ in millions)** | For the Three Months Ended | For the Three Months Ended | For the Three Months Ended | % Change | % Change |
|  | December | September | December |  |  |
|  | 2025 | 2025 | 2024 | Seq | Yr/Yr |
| **Noninterest Income** |  |  |  |  |  |
| Wealth and asset management revenue | $185 | $181 | $163 | 2% | 13% |
| Commercial payments revenue | 167 | 157 | 155 | 6% | 8% |
| Consumer banking revenue | 143 | 144 | 137 | (1)% | 4% |
| Capital markets fees | 121 | 115 | 123 | 5% | (2)% |
| Commercial banking revenue | 102 | 87 | 109 | 17% | (6)% |
| Mortgage banking net revenue | 56 | 58 | 57 | (3)% | (2)% |
| Other noninterest income (loss) | 42 | 29 | (4) | 45% | NM |
| Securities (losses) gains, net | (5) | 10 | (8) | NM | (38)% |
| Total noninterest income | $811 | $781 | $732 | 4% | 11% |

---

Noninterest income of $811 million increased $30 million, or 4%, from the prior quarter and increased $79 million, or 11%, from the year-ago quarter. The reported results reflect the impact of certain items in the table below, including securities gains/losses which incorporate mark-to-market impacts from securities associated with non-qualified deferred compensation plans that are offset in noninterest expense.

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Noninterest Income excluding certain items** | **Noninterest Income excluding certain items** | **Noninterest Income excluding certain items** | **Noninterest Income excluding certain items** | **Noninterest Income excluding certain items** | **Noninterest Income excluding certain items** |
| **($ in millions)** | For the Three Months Ended | For the Three Months Ended | For the Three Months Ended | % Change | % Change |
|  | December | September | December |  |  |
|  | 2025 | 2025 | 2024 | Seq | Yr/Yr |
| **Noninterest Income excluding certain items** |  |  |  |  |  |
| Noninterest income (U.S. GAAP) | $811 | $781 | $732 |  |  |
| &nbsp;&nbsp;&nbsp;Interchange litigation matters | 8 | 18 | 51 |  |  |
| &nbsp;&nbsp;&nbsp;Litigation settlements | (12) |  |  |  |  |
| &nbsp;&nbsp;&nbsp;Securities (gains) losses, net | 5 | (10) | 8 |  |  |
| Noninterest income excluding certain items<sup>(a)</sup> | $812 | $789 | $791 | 3% | 3% |

---

Noninterest income excluding certain items of $812 million increased $23 million, or 3%, compared to the prior quarter and increased $21 million, or 3%, from the year-ago quarter.

Wealth and asset management revenue increased $4 million, or 2% sequentially, due to an increase in personal asset management revenue. Commercial payments revenue increased $10 million, or 6%, driven by commercial card and Newline revenue. Capital markets fees were up $6 million, or 5%, reflecting seasonal strength in M&A advisory revenue and loan syndications. Commercial banking revenue increased $15 million, or 17%, driven by higher lease syndication and remarketing.

Compared to the year-ago quarter, wealth and asset management revenue increased $22 million, or 13%, with 16% year-over-year AUM growth driving increases in personal asset management revenue and brokerage fees. Commercial payments revenue increased $12 million, or 8%, led by managed services, Newline revenue, and commercial card fees, partially offset by higher earnings credits. Capital markets fees decreased $2 million, or 2%, driven by lower loan syndications revenue, partially offset by higher M&A advisory revenue. Commercial banking revenue decreased $7 million, or 6%, primarily reflecting lower operating lease and other commercial banking revenue.

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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 |
|  | December | September | December |  |  |
|  | 2025 | 2025 | 2024 | Seq | Yr/Yr |
| **Noninterest Expense** |  |  |  |  |  |
| Compensation and benefits | $683 | $685 | $665 |  | 3% |
| Technology and communications | 138 | 128 | 123 | 8% | 12% |
| Net occupancy expense | 89 | 89 | 88 |  | 1% |
| Equipment expense | 43 | 44 | 39 | (2)% | 10% |
| Loan and lease expense | 41 | 39 | 36 | 5% | 14% |
| Marketing expense | 37 | 34 | 23 | 9% | 61% |
| Card and processing expense | 27 | 22 | 21 | 23% | 29% |
| Other noninterest expense | 251 | 226 | 231 | 11% | 9% |
| Total noninterest expense | $1309 | $1267 | $1226 | 3% | 7% |

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Noninterest expense of $1.309 billion increased 3% from the prior quarter and increased 7% 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 |
|  | December | September | December |  |  |
|  | 2025 | 2025 | 2024 | Seq | Yr/Yr |
| **Noninterest Expense excluding certain item(s)** |  |  |  |  |  |
| Noninterest expense (U.S. GAAP) | $1309 | $1267 | $1226 |  |  |
| &nbsp;&nbsp;&nbsp;Fifth Third Foundation contribution | (50) |  | (15) |  |  |
| &nbsp;&nbsp;&nbsp;Merger-related expenses | (13) |  |  |  |  |
| &nbsp;&nbsp;&nbsp;FDIC special assessment | 25 | 6 | 11 |  |  |
| &nbsp;&nbsp;&nbsp;Interchange litigation matters | (3) | (9) | (4) |  |  |
| Noninterest expense excluding certain item(s)<sup>(a)</sup> | $1268 | $1264 | $1218 |  | 4% |
| &nbsp;&nbsp;&nbsp;Non-qualified deferred compensation (expense)/benefit | 5 | (11) | 7 |  |  |
| Noninterest expense excluding certain item(s) and non-qualified deferred compensation<sup>(a)</sup> | $1273 | $1253 | $1225 | 2% | 4% |

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Noninterest expense excluding certain items and non-qualified deferred compensation of $1.273 billion increased 2% compared to the prior quarter with increases in technology and communications and card and processing expense.

Compared to the year-ago quarter, noninterest expense excluding certain items and non-qualified deferred compensation increased $48 million, or 4%, due primarily to increases in compensation and benefits, technology and communications, and marketing 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 |
|  | December | September | December |  |  |
|  | 2025 | 2025 | 2024 | Seq | Yr/Yr |
| **Average Portfolio Loans and Leases** |  |  |  |  |  |
| Commercial loans and leases: |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;Commercial and industrial loans | $53947 | $54170 | $51567 |  | 5% |
| &nbsp;&nbsp;&nbsp;Commercial mortgage loans | 12079 | 12027 | 11792 |  | 2% |
| &nbsp;&nbsp;&nbsp;Commercial construction loans | 5399 | 5541 | 5702 | (3)% | (5)% |
| &nbsp;&nbsp;&nbsp;Commercial leases | 3172 | 3177 | 2902 |  | 9% |
| Total commercial loans and leases | $74597 | $74915 | $71963 |  | 4% |
| Consumer loans: |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;Residential mortgage loans | $17660 | $17656 | $17322 |  | 2% |
| &nbsp;&nbsp;&nbsp;Home equity | 4769 | 4579 | 4125 | 4% | 16% |
| &nbsp;&nbsp;&nbsp;Indirect secured consumer loans | 17879 | 17729 | 16100 | 1% | 11% |
| &nbsp;&nbsp;&nbsp;Credit card | 1694 | 1678 | 1668 | 1% | 2% |
| &nbsp;&nbsp;&nbsp;Solar energy installation loans | 4486 | 4355 | 4137 | 3% | 8% |
| &nbsp;&nbsp;&nbsp;Other consumer loans | 2345 | 2414 | 2545 | (3)% | (8)% |
| Total consumer loans | $48833 | $48411 | $45897 | 1% | 6% |
| Total average portfolio loans and leases | $123430 | $123326 | $117860 |  | 5% |
| **Average Loans and Leases Held for Sale** |  |  |  |  |  |
| Commercial loans and leases held for sale | $19 | $44 | $48 | (57)% | (60)% |
| Consumer loans held for sale | 698 | 623 | 584 | 12% | 20% |
| Total average loans and leases held for sale | $717 | $667 | $632 | 7% | 13% |
| Total average loans and leases | $124147 | $123993 | $118492 |  | 5% |
| Securities (taxable and tax-exempt) | $52512 | $54592 | $56702 | (4)% | (7)% |
| Other short-term investments | 17485 | 14915 | 18319 | 17% | (5)% |
| Total average interest-earning assets | $194144 | $193500 | $193513 |  |  |

---

Total average portfolio loans and leases of $123 billion and average commercial portfolio loans and leases of $75 billion remained stable compared to the prior quarter. Average consumer portfolio loans of $49 billion increased 1%, driven by continued growth in home equity and indirect secured consumer loans.

Compared to the year-ago quarter, total average portfolio loans and leases increased 5%. Average commercial portfolio loans and leases increased 4%, reflecting increases in C&I loans, commercial mortgage loans, and commercial leases. Average consumer portfolio loans increased 6%, primarily due to increases in indirect secured consumer, home equity, and solar energy installation loans.

Average securities (taxable and tax-exempt; amortized cost) of $53 billion in the current quarter decreased 4% compared to the prior quarter and 7% compared to the year-ago quarter. Average other short-term investments (including interest-bearing cash) of $17 billion in the current quarter increased 17% compared to the prior quarter and decreased 5% 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 |
|  | December | September | December |  |  |
|  | 2025 | 2025 | 2024 | Seq | Yr/Yr |
| **End of Period Portfolio Loans and Leases** |  |  |  |  |  |
| Total commercial loans and leases | $73562 | $74423 | $73293 | (1)% |  |
| Total consumer loans | 49089 | 48707 | 46498 | 1% | 6% |
| Total portfolio loans and leases | $122651 | $123130 | $119791 |  | 2% |
| **End of Period Loans and Leases Held for Sale** |  |  |  |  |  |
| Total loans and leases held for sale | $733 | $576 | $640 | 27% | 15% |
| Total loans and leases | $123384 | $123706 | $120431 |  | 2% |
| Securities (taxable and tax-exempt) | $51961 | $52680 | $56713 | (1)% | (8)% |
| Other short-term investments | 18876 | 17215 | 17120 | 10% | 10% |
| Total interest-earning assets | $194221 | $193601 | $194264 |  |  |

---

Period-end commercial portfolio loans and leases of $74 billion decreased 1% compared to the prior quarter as the highest quarterly commercial loan production in over three years was more than offset by the decrease in line utilization. Compared to the year-ago quarter, period-end commercial portfolio loans and leases remained stable.

Period-end consumer portfolio loans of $49 billion increased 1% compared to the prior quarter, primarily reflecting increases in home equity and indirect secured consumer loans. Compared to the year-ago quarter, period-end consumer portfolio loans increased 6% driven by increases in indirect secured consumer and home equity loans.

Total period-end securities (taxable and tax-exempt; amortized cost) of $52 billion in the current quarter decreased 1% compared to the prior quarter and decreased 8% compared to the year-ago quarter. Period-end other short-term investments of approximately $19 billion increased 10% compared to the prior and year-ago quarters.

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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 |
|  | December | September | December |  |  |
|  | 2025 | 2025 | 2024 | Seq | Yr/Yr |
| **Average Deposits** |  |  |  |  |  |
| Demand | $41771 | $41235 | $40137 | 1% | 4% |
| Interest checking | 58612 | 56624 | 59441 | 4% | (1)% |
| Savings | 16103 | 16376 | 17257 | (2)% | (7)% |
| Money market | 39409 | 37434 | 37279 | 5% | 6% |
| Total transaction deposits | $155895 | $151669 | $154114 | 3% | 1% |
| CDs $250,000 or less | 10541 | 10841 | 10592 | (3)% |  |
| Total core deposits | $166436 | $162510 | $164706 | 2% | 1% |
| CDs over $250,000<sup>1</sup> | 1948 | 2244 | 2531 | (13)% | (23)% |
| Total average deposits | $168384 | $164754 | $167237 | 2% | 1% |
| <sup>1</sup>*CDs over $250,000 includes $0.8BN, $1.0BN, and $1.5BN of retail brokered certificates of deposit which are fully covered by FDIC insurance for the three months ended 12/31/25, 9/30/25, and 12/31/24, respectively.* | <sup>1</sup>*CDs over $250,000 includes $0.8BN, $1.0BN, and $1.5BN of retail brokered certificates of deposit which are fully covered by FDIC insurance for the three months ended 12/31/25, 9/30/25, and 12/31/24, respectively.* | <sup>1</sup>*CDs over $250,000 includes $0.8BN, $1.0BN, and $1.5BN of retail brokered certificates of deposit which are fully covered by FDIC insurance for the three months ended 12/31/25, 9/30/25, and 12/31/24, respectively.* | <sup>1</sup>*CDs over $250,000 includes $0.8BN, $1.0BN, and $1.5BN of retail brokered certificates of deposit which are fully covered by FDIC insurance for the three months ended 12/31/25, 9/30/25, and 12/31/24, respectively.* | <sup>1</sup>*CDs over $250,000 includes $0.8BN, $1.0BN, and $1.5BN of retail brokered certificates of deposit which are fully covered by FDIC insurance for the three months ended 12/31/25, 9/30/25, and 12/31/24, respectively.* | <sup>1</sup>*CDs over $250,000 includes $0.8BN, $1.0BN, and $1.5BN of retail brokered certificates of deposit which are fully covered by FDIC insurance for the three months ended 12/31/25, 9/30/25, and 12/31/24, respectively.* |

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Total average deposits of $168 billion increased 2% compared to the prior quarter, primarily driven by growth in interest checking, money market and demand deposits, partially offset by declines in CDs $250,000 or less. The growth in demand deposits reflects our strategic focus on enhancing the deposit mix and represents the third consecutive quarter of demand deposit growth. Period-end total deposits of $172 billion increased 3%.

Compared to the year-ago quarter, total average deposits increased 1%, mainly due to increases in money market and demand deposits, partially offset by decreases in savings and interest checking deposits. Period-end total deposits increased 3%.

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The period-end portfolio loan-to-core deposit ratio was 72% in the current quarter, compared to 75% in the prior quarter and 73% 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 |
|  | December | September | December |  |  |
|  | 2025 | 2025 | 2024 | Seq | Yr/Yr |
| **Average Wholesale Funding** |  |  |  |  |  |
| CDs over $250,000<sup>1</sup> | $1948 | $2244 | $2531 | (13)% | (23)% |
| Federal funds purchased | 204 | 198 | 223 | 3% | (9)% |
| Securities sold under repurchase agreements | 365 | 376 | 313 | (3)% | 17% |
| FHLB advances | 2552 | 4920 | 1567 | (48)% | 63% |
| Derivative collateral and other secured borrowings | 84 | 82 | 76 | 2% | 11% |
| Long-term debt | 13700 | 14001 | 15492 | (2)% | (12)% |
| Total average wholesale funding | $18853 | $21821 | $20202 | (14)% | (7)% |
| <sup>1</sup>*CDs over $250,000 includes $0.8BN, $1.0BN, and $1.5BN of retail brokered certificates of deposit which are fully covered by FDIC insurance for the three months ended 12/31/25, 9/30/25, and 12/31/24, respectively.* | <sup>1</sup>*CDs over $250,000 includes $0.8BN, $1.0BN, and $1.5BN of retail brokered certificates of deposit which are fully covered by FDIC insurance for the three months ended 12/31/25, 9/30/25, and 12/31/24, respectively.* | <sup>1</sup>*CDs over $250,000 includes $0.8BN, $1.0BN, and $1.5BN of retail brokered certificates of deposit which are fully covered by FDIC insurance for the three months ended 12/31/25, 9/30/25, and 12/31/24, respectively.* | <sup>1</sup>*CDs over $250,000 includes $0.8BN, $1.0BN, and $1.5BN of retail brokered certificates of deposit which are fully covered by FDIC insurance for the three months ended 12/31/25, 9/30/25, and 12/31/24, respectively.* | <sup>1</sup>*CDs over $250,000 includes $0.8BN, $1.0BN, and $1.5BN of retail brokered certificates of deposit which are fully covered by FDIC insurance for the three months ended 12/31/25, 9/30/25, and 12/31/24, respectively.* | <sup>1</sup>*CDs over $250,000 includes $0.8BN, $1.0BN, and $1.5BN of retail brokered certificates of deposit which are fully covered by FDIC insurance for the three months ended 12/31/25, 9/30/25, and 12/31/24, respectively.* |

---

Average wholesale funding of $19 billion decreased 14% compared to the prior quarter, driven by a reduction in FHLB advances and long-term debt. 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, partially offset by an increase in FHLB advances.

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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 |
|  | December | September | June | March | December |
|  | 2025 | 2025 | 2025 | 2025 | 2024 |
| Total nonaccrual portfolio loans and leases (NPLs) | $767 | $768 | $853 | $966 | $823 |
| Repossessed property | 11 | 12 | 8 | 9 | 9 |
| OREO | 19 | 21 | 25 | 21 | 21 |
| Total nonperforming portfolio loans and leases and OREO (NPAs) | $797 | $801 | $886 | $996 | $853 |
| NPL ratio<sup>(g)</sup> | 0.62% | 0.62% | 0.70% | 0.79% | 0.69% |
| NPA ratio<sup>(c)</sup> | 0.65% | 0.65% | 0.72% | 0.81% | 0.71% |
| Portfolio loans and leases 30-89 days past due (accrual) | $360 | $348 | $277 | $385 | $303 |
| Portfolio loans and leases 90 days past due (accrual) | 30 | 29 | 34 | 33 | 32 |
| 30-89 days past due as a % of portfolio loans and leases | 0.29% | 0.28% | 0.23% | 0.31% | 0.25% |
| 90 days past due as a % of portfolio loans and leases | 0.02% | 0.02% | 0.03% | 0.03% | 0.03% |
| Allowance for loan and lease losses (ALLL), beginning | $2265 | $2412 | $2384 | $2352 | $2305 |
| &nbsp;&nbsp;&nbsp;Total net losses charged-off | (125) | (339) | (139) | (136) | (136) |
| &nbsp;&nbsp;&nbsp;Provision for loan and lease losses | 113 | 192 | 167 | 168 | 183 |
| ALLL, ending | $2253 | $2265 | $2412 | $2384 | $2352 |
| Reserve for unfunded commitments, beginning | $151 | $146 | $140 | $134 | $138 |
| &nbsp;&nbsp;&nbsp;Provision for (benefit from) the reserve for unfunded commitments | 6 | 5 | 6 | 6 | (4) |
| Reserve for unfunded commitments, ending | $157 | $151 | $146 | $140 | $134 |
| Total allowance for credit losses (ACL) | $2410 | $2416 | $2558 | $2524 | $2486 |
| ACL ratios: |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;As a % of portfolio loans and leases | 1.96% | 1.96% | 2.09% | 2.07% | 2.08% |
| &nbsp;&nbsp;&nbsp;As a % of nonperforming portfolio loans and leases | 314% | 314% | 300% | 261% | 302% |
| &nbsp;&nbsp;&nbsp;As a % of nonperforming portfolio assets | 302% | 302% | 289% | 253% | 291% |
| ALLL as a % of portfolio loans and leases | 1.84% | 1.84% | 1.97% | 1.95% | 1.96% |
| Total losses charged-off | $(177) | $(382) | $(194) | $(173) | $(175) |
| Total recoveries of losses previously charged-off | 52 | 43 | 55 | 37 | 39 |
| Total net losses charged-off | $(125) | $(339) | $(139) | $(136) | $(136) |
| Net charge-off ratio (NCO ratio)<sup>(b)</sup> | 0.40% | 1.09% | 0.45% | 0.46% | 0.46% |
| &nbsp;&nbsp;&nbsp;Commercial NCO ratio | 0.27% | 1.46% | 0.38% | 0.35% | 0.32% |
| &nbsp;&nbsp;&nbsp;Consumer NCO ratio | 0.59% | 0.52% | 0.56% | 0.63% | 0.68% |

---

The provision for credit losses totaled $119 million in the current quarter. The ACL ratio represented 1.96% of total portfolio loans and leases at quarter end, consistent with the prior quarter and down 12 bps from the year-ago quarter. The ACL coverage ratio was unchanged from the prior quarter at 314% of nonperforming portfolio loans and leases and 302% of nonperforming portfolio assets.

Net charge-offs totaled $125 million in the current quarter, down $214 million from the prior quarter and the NCO ratio decreased 69 bps to 0.40%. The third quarter of 2025 net charge-offs included a $178 million fraud-related impairment of a commercial credit. Excluding this credit, net charge-offs were down $36 million, or 12 bps, sequentially. Commercial net charge-offs were $51 million, with a commercial NCO ratio of 0.27%, down 119 bps from the prior quarter. Consumer net

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charge-offs were $74 million, with a consumer NCO ratio of 0.59%, up 7 bps sequentially, reflecting the seasonal increase in indirect secured net charge-offs.

Compared to the year-ago quarter, net charge-offs decreased $11 million and the NCO ratio decreased 6 bps. The commercial NCO ratio decreased 5 bps, and the consumer NCO ratio decreased 9 bps compared to the prior year.

Nonperforming portfolio loans and leases totaled $767 million in the current quarter, representing an NPL ratio of 0.62%, compared to 0.62% in the prior quarter and 0.69% in the year-ago quarter. Nonperforming portfolio assets totaled $797 million in the current quarter, resulting in an NPA ratio of 0.65%, compared to 0.65% in the prior quarter and 0.71% 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 |
|  | December | September | June | March | December |
|  | 2025 | 2025 | 2025 | 2025 | 2024 |
| **Capital Position** |  |  |  |  |  |
| Average total Bancorp shareholders' equity as a % of average assets | 10.11% | 10.02% | 9.82% | 9.50% | 9.40% |
| Tangible equity<sup>(a)</sup> | 9.28% | 9.12% | 9.39% | 9.07% | 9.02% |
| Tangible common equity (excluding AOCI)<sup>(a)</sup> | 8.46% | 8.29% | 8.38% | 8.07% | 8.03% |
| Tangible common equity (including AOCI)<sup>(a)</sup> | 7.14% | 6.89% | 6.84% | 6.40% | 6.02% |
| **Regulatory Capital Ratios**<sup>(d)(e)</sup>  |  |  |  |  |  |
| CET1 capital | 10.77% | 10.57% | 10.58% | 10.43% | 10.57% |
| Tier 1 risk-based capital | 11.82% | 11.63% | 11.85% | 11.71% | 11.86% |
| Total risk-based capital | 13.73% | 13.54% | 13.77% | 13.63% | 13.86% |
| Leverage | 9.42% | 9.24% | 9.42% | 9.23% | 9.22% |

---

CET1 capital ratio of 10.77% increased 20 bps sequentially, primarily reflecting strong earnings that bolstered retained capital. There was no share repurchase activity in the fourth quarter of 2025 due to the pending Comerica acquisition.

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**Tax Rate**

The effective tax rate for the quarter was 19.8% compared with 22.6% in the prior quarter and 18.8% in the year-ago quarter.

**Conference Call** 

Fifth Third will host a conference call to discuss these financial results at 10:00 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 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 December 31, 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) | December | September | December |  |  | December | December |  |
|  | 2025 | 2025 | 2024 | Seq | Yr/Yr | 2025 | 2024 | Yr/Yr |
| **Income Statement Data** |  |  |  |  |  |  |  |  |
| Net interest income | $1529 | $1520 | $1437 | 1% | 6% | $5982 | $5630 | 6% |
| Net interest income (FTE)<sup>(a)</sup>  | 1533 | 1525 | 1443 | 1% | 6% | 6002 | 5654 | 6% |
| Noninterest income | 811 | 781 | 732 | 4% | 11% | 3035 | 2849 | 7% |
| Total revenue (FTE)<sup>(a)</sup>  | 2344 | 2306 | 2175 | 2% | 8% | 9037 | 8503 | 6% |
| Provision for credit losses | 119 | 197 | 179 | (40%) | (34%) | 662 | 530 | 25% |
| Noninterest expense | 1309 | 1267 | 1226 | 3% | 7% | 5144 | 5033 | 2% |
| Net income | 731 | 649 | 620 | 13% | 18% | 2522 | 2314 | 9% |
| Net income available to common shareholders | 699 | 608 | 582 | 15% | 20% | 2376 | 2155 | 10% |
| **Earnings Per Share Data** |  |  |  |  |  |  |  |  |
| Net income allocated to common shareholders | $699 | $608 | $582 | 15% | 20% | $2376 | $2155 | 10% |
| Average common shares outstanding (in thousands): |  |  |  |  |  |  |  |  |
| Basic | 664384 | 666427 | 675307 |  | (2%) | 668140 | 682161 | (2%) |
| Diluted | 669153 | 670878 | 681456 |  | (2%) | 672503 | 687301 | (2%) |
| Earnings per share, basic | $1.05 | $0.91 | $0.86 | 15% | 22% | $3.56 | $3.16 | 13% |
| Earnings per share, diluted | 1.04 | 0.91 | 0.85 | 14% | 22% | 3.53 | 3.14 | 12% |
| **Common Share Data** |  |  |  |  |  |  |  |  |
| Cash dividends per common share | $0.40 | $0.40 | $0.37 |  | 8% | $1.54 | $1.44 | 7% |
| Book value per share | 30.18 | 29.26 | 26.17 | 3% | 15% | 30.18 | 26.17 | 15% |
| Market value per share | 46.81 | 44.55 | 42.28 | 5% | 11% | 46.81 | 42.28 | 11% |
| Common shares outstanding (in thousands) | 661198 | 660973 | 669854 |  | (1%) | 661198 | 669854 | (1%) |
| Market capitalization | $30951 | $29446 | $28321 | 5% | 9% | $30951 | $28321 | 9% |
| **Financial Ratios** |  |  |  |  |  |  |  |  |
| Return on average assets | 1.36% | 1.21% | 1.17% | 15 | 19 | 1.19% | 1.09% | 10 |
| Return on average common equity | 14.0% | 12.6% | 13.0% | 140 | 100 | 12.6% | 12.5% | 10 |
| Return on average tangible common equity<sup>(a)</sup>  | 19.0% | 17.3% | 18.4% | 170 | 60 | 17.4% | 17.8% | (40) |
| Noninterest income as a percent of total revenue<sup>(a)</sup>  | 35% | 34% | 34% | 100 | 100 | 34% | 34% |  |
| Dividend payout | 38.1% | 44.0% | 43.0% | (590) | (490) | 43.3% | 45.6% | (230) |
| Average total Bancorp shareholders' equity as a percent of average assets | 10.11% | 10.02% | 9.40% | 9 | 71 | 9.86% | 9.12% | 74 |
| Tangible common equity<sup>(a)</sup>  | 8.46% | 8.29% | 8.03% | 17 | 43 | 8.46% | 8.03% | 43 |
| Net interest margin (FTE)<sup>(a)</sup>  | 3.13% | 3.13% | 2.97% |  | 16 | 3.11% | 2.90% | 21 |
| Efficiency (FTE)<sup>(a)</sup>  | 55.8% | 54.9% | 56.4% | 90 | (60) | 56.9% | 59.2% | (230) |
| Effective tax rate | 19.8% | 22.6% | 18.8% | (280) | 100 | 21.4% | 20.6% | 80 |
| **Credit Quality** |  |  |  |  |  |  |  |  |
| Net losses charged-off | $125 | $339 | $136 | (63%) | (8%) | $738 | $532 | 39% |
| Net losses charged-off as a percent of average portfolio loans and leases (annualized) | 0.40% | 1.09% | 0.46% | (69) | (6) | 0.60% | 0.45% | 15 |
| ALLL as a percent of portfolio loans and leases | 1.84% | 1.84% | 1.96% |  | (12) | 1.84% | 1.96% | (12) |
| ACL as a percent of portfolio loans and leases<sup>(g)</sup> | 1.96% | 1.96% | 2.08% |  | (12) | 1.96% | 2.08% | (12) |
| Nonperforming portfolio assets as a percent of portfolio loans and leases and OREO | 0.65% | 0.65% | 0.71% |  | (6) | 0.65% | 0.71% | (6) |
| **Average Balances** |  |  |  |  |  |  |  |  |
| Loans and leases, including held for sale | $124147 | $123993 | $118492 |  | 5% | $123399 | $117724 | 5% |
| Securities and other short-term investments | 69997 | 69507 | 75021 | 1% | (7%) | 69889 | 77076 | (9%) |
| Assets | 213021 | 211770 | 211709 | 1% | 1% | 211483 | 212806 | (1%) |
| Transaction deposits<sup>(b)</sup>  | 155895 | 151669 | 154114 | 3% | 1% | 152479 | 152830 |  |
| Core deposits<sup>(c)</sup> | 166436 | 162510 | 164706 | 2% | 1% | 163044 | 163367 |  |
| Wholesale funding<sup>(d)</sup> | 18853 | 21821 | 20202 | (14%) | (7%) | 21332 | 23135 | (8%) |
| Bancorp shareholders' equity | 21527 | 21216 | 19893 | 1% | 8% | 20858 | 19398 | 8% |
| **Regulatory Capital Ratios**<sup>(e)(f)</sup>  |  |  |  |  |  |  |  |  |
| CET1 capital | 10.77% | 10.57% | 10.57% | 20 | 20 | 10.77% | 10.57% | 20 |
| Tier 1 risk-based capital | 11.82% | 11.63% | 11.86% | 19 | (4) | 11.82% | 11.86% | (4) |
| Total risk-based capital | 13.73% | 13.54% | 13.86% | 19 | (13) | 13.73% | 13.86% | (13) |
| Leverage | 9.42% | 9.24% | 9.22% | 18 | 20 | 9.42% | 9.22% | 20 |
| **Additional Metrics** |  |  |  |  |  |  |  |  |
| Banking centers | 1130 | 1102 | 1089 | 3% | 4% | 1130 | 1089 | 4% |
| ATMs | 2199 | 2184 | 2080 | 1% | 6% | 2199 | 2080 | 6% |
| Full-time equivalent employees | 18676 | 18476 | 18616 | 1% |  | 18676 | 18616 |  |
| Assets under care ($ in billions)<sup>(h)</sup> | $690 | $681 | $634 | 1% | 9% | $690 | $634 | 9% |
| Assets under management ($ in billions)<sup>(h)</sup> | 80 | 77 | 69 | 4% | 16% | 80 | 69 | 16% |

---

*(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 were calculated pursuant to the five-year transition provision option to phase in the effects of CECL on regulatory capital.*

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

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

------

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Fifth Third Bancorp and Subsidiaries** | | | | | |
| Financial Highlights |  |  |  |  |  |
| $ in millions, except per share data | As of and For the Three Months Ended | As of and For the Three Months Ended | As of and For the Three Months Ended | As of and For the Three Months Ended | As of and For the Three Months Ended |
| (unaudited) | December | September | June | March | December |
|  | 2025 | 2025 | 2025 | 2025 | 2024 |
| **Income Statement Data** |  |  |  |  |  |
| Net interest income | $1529 | $1520 | $1495 | $1437 | $1437 |
| Net interest income (FTE)<sup>(a)</sup>  | 1533 | 1525 | 1500 | 1442 | 1443 |
| Noninterest income | 811 | 781 | 750 | 694 | 732 |
| Total revenue (FTE)<sup>(a)</sup>  | 2344 | 2306 | 2250 | 2136 | 2175 |
| Provision for credit losses | 119 | 197 | 173 | 174 | 179 |
| Noninterest expense | 1309 | 1267 | 1264 | 1304 | 1226 |
| Net income | 731 | 649 | 628 | 515 | 620 |
| Net income available to common shareholders | 699 | 608 | 591 | 478 | 582 |
| **Earnings Per Share Data** |  |  |  |  |  |
| Net income allocated to common shareholders | $699 | $608 | $591 | $478 | $582 |
| Average common shares outstanding (in thousands): |  |  |  |  |  |
| Basic | 664384 | 666427 | 670787 | 671052 | 675307 |
| Diluted | 669153 | 670878 | 674034 | 676040 | 681456 |
| Earnings per share, basic | $1.05 | $0.91 | $0.88 | $0.71 | $0.86 |
| Earnings per share, diluted | 1.04 | 0.91 | 0.88 | 0.71 | 0.85 |
| **Common Share Data** |  |  |  |  |  |
| Cash dividends per common share | $0.40 | $0.40 | $0.37 | $0.37 | $0.37 |
| Book value per share | 30.18 | 29.26 | 28.47 | 27.41 | 26.17 |
| Market value per share | 46.81 | 44.55 | 41.13 | 39.20 | 42.28 |
| Common shares outstanding (in thousands) | 661198 | 660973 | 667710 | 667272 | 669854 |
| Market capitalization | $30951 | $29446 | $27463 | $26157 | $28321 |
| **Financial Ratios** |  |  |  |  |  |
| Return on average assets | 1.36% | 1.21% | 1.20% | 0.99% | 1.17% |
| Return on average common equity | 14.0% | 12.6% | 12.8% | 10.8% | 13.0% |
| Return on average tangible common equity<sup>(a)</sup>  | 19.0% | 17.3% | 17.6% | 15.2% | 18.4% |
| Noninterest income as a percent of total revenue<sup>(a)</sup>  | 35% | 34% | 33% | 32% | 34% |
| Dividend payout | 38.1% | 44.0% | 42.0% | 52.1% | 43.0% |
| Average total Bancorp shareholders' equity as a percent of average assets | 10.11% | 10.02% | 9.82% | 9.50% | 9.40% |
| Tangible common equity<sup>(a)</sup>  | 8.46% | 8.29% | 8.38% | 8.07% | 8.03% |
| Net interest margin (FTE)<sup>(a)</sup>  | 3.13% | 3.13% | 3.12% | 3.03% | 2.97% |
| Efficiency (FTE)<sup>(a)</sup>  | 55.8% | 54.9% | 56.2% | 61.0% | 56.4% |
| Effective tax rate | 19.8% | 22.6% | 22.2% | 21.2% | 18.8% |
| **Credit Quality** |  |  |  |  |  |
| Net losses charged-off | $125 | $339 | $139 | $136 | $136 |
| Net losses charged-off as a percent of average portfolio loans and leases (annualized) | 0.40% | 1.09% | 0.45% | 0.46% | 0.46% |
| ALLL as a percent of portfolio loans and leases | 1.84% | 1.84% | 1.97% | 1.95% | 1.96% |
| ACL as a percent of portfolio loans and leases<sup>(g)</sup> | 1.96% | 1.96% | 2.09% | 2.07% | 2.08% |
| Nonperforming portfolio assets as a percent of portfolio loans and leases and OREO | 0.65% | 0.65% | 0.72% | 0.81% | 0.71% |
| **Average Balances** |  |  |  |  |  |
| Loans and leases, including held for sale | $124147 | $123993 | $123657 | $121764 | $118492 |
| Securities and other short-term investments | 69997 | 69507 | 69025 | 71044 | 75021 |
| Assets | 213021 | 211770 | 210554 | 210558 | 211709 |
| Transaction deposits<sup>(b)</sup> | 155895 | 151669 | 150881 | 151431 | 154114 |
| Core deposits<sup>(c)</sup> | 166436 | 162510 | 161375 | 161811 | 164706 |
| Wholesale funding<sup>(d)</sup> | 18853 | 21821 | 22423 | 22262 | 20202 |
| Bancorp shareholders' equity | 21527 | 21216 | 20670 | 20000 | 19893 |
| **Regulatory Capital Ratios**<sup>(e)(f)</sup>  |  |  |  |  |  |
| CET1 capital | 10.77% | 10.57% | 10.58% | 10.43% | 10.57% |
| Tier 1 risk-based capital | 11.82% | 11.63% | 11.85% | 11.71% | 11.86% |
| Total risk-based capital | 13.73% | 13.54% | 13.77% | 13.63% | 13.86% |
| Leverage | 9.42% | 9.24% | 9.42% | 9.23% | 9.22% |
| **Additional Metrics** |  |  |  |  |  |
| Banking centers | 1130 | 1102 | 1089 | 1084 | 1089 |
| ATMs | 2199 | 2184 | 2170 | 2069 | 2080 |
| Full-time equivalent employees | 18676 | 18476 | 18690 | 18786 | 18616 |
| Assets under care ($ in billions)<sup>(h)</sup> | $690 | $681 | $657 | $639 | $634 |
| Assets under management ($ in billions)<sup>(h)</sup> | 80 | 77 | 73 | 68 | 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 were calculated pursuant to the five-year transition provision option to phase in the effects of CECL on regulatory capital.*

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

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

------

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| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Fifth Third Bancorp and Subsidiaries** | | | | | | | | |
| Consolidated Statements of Income |  |  |  |  |  |  |  |  |
| $ in millions | For the Three Months Ended | For the Three Months Ended | For the Three Months Ended | % Change | % Change | Year to Date | Year to Date | % Change |
| (unaudited) | December | September | December |  |  | December | December |  |
|  | 2025 | 2025 | 2024 | Seq | Yr/Yr | 2025 | 2024 | Yr/Yr |
| **Interest Income** |  |  |  |  |  |  |  |  |
| Interest and fees on loans and leases | $1862 | $1909 | $1836 | (2%) | 1% | $7466 | $7477 |  |
| Interest on securities | 431 | 444 | 464 | (3%) | (7%) | 1785 | 1839 | (3%) |
| Interest on other short-term investments | 175 | 166 | 228 | 5% | (23%) | 652 | 1110 | (41%) |
| Total interest income | 2468 | 2519 | 2528 | (2%) | (2%) | 9903 | 10426 | (5%) |
| **Interest Expense** |  |  |  |  |  |  |  |  |
| Interest on deposits | 726 | 750 | 856 | (3%) | (15%) | 2952 | 3736 | (21%) |
| Interest on short-term borrowings<sup>(a)</sup>  | 34 | 61 | 25 | (44%) | 36% | 215 | 168 | 28% |
| Interest on long-term debt | 179 | 188 | 210 | (5%) | (15%) | 754 | 892 | (15%) |
| Total interest expense | 939 | 999 | 1091 | (6%) | (14%) | 3921 | 4796 | (18%) |
| **Net Interest Income** | 1529 | 1520 | 1437 | 1% | 6% | 5982 | 5630 | 6% |
| Provision for credit losses | 119 | 197 | 179 | (40%) | (34%) | 662 | 530 | 25% |
| **Net Interest Income After Provision for Credit Losses** | 1410 | 1323 | 1258 | 7% | 12% | 5320 | 5100 | 4% |
| **Noninterest Income** |  |  |  |  |  |  |  |  |
| Wealth and asset management revenue | 185 | 181 | 163 | 2% | 13% | 704 | 647 | 9% |
| Commercial payments revenue | 167 | 157 | 155 | 6% | 8% | 630 | 608 | 4% |
| Consumer banking revenue | 143 | 144 | 137 | (1%) | 4% | 571 | 555 | 3% |
| Capital markets fees | 121 | 115 | 123 | 5% | (2%) | 415 | 424 | (2%) |
| Commercial banking revenue | 102 | 87 | 109 | 17% | (6%) | 349 | 377 | (7%) |
| Mortgage banking net revenue | 56 | 58 | 57 | (3%) | (2%) | 227 | 211 | 8% |
| Other noninterest income (loss) | 42 | 29 | (4) | 45% | NM | 126 | 12 | 950% |
| Securities gains (losses), net | (5) | 10 | (8) | NM | (38%) | 13 | 15 | (13%) |
| Total noninterest income | 811 | 781 | 732 | 4% | 11% | 3035 | 2849 | 7% |
| **Noninterest Expense** |  |  |  |  |  |  |  |  |
| Compensation and benefits | 683 | 685 | 665 |  | 3% | 2815 | 2763 | 2% |
| Technology and communications | 138 | 128 | 123 | 8% | 12% | 516 | 474 | 9% |
| Net occupancy expense | 89 | 89 | 88 |  | 1% | 349 | 339 | 3% |
| Equipment expense | 43 | 44 | 39 | (2%) | 10% | 169 | 153 | 10% |
| Loan and lease expense | 41 | 39 | 36 | 5% | 14% | 146 | 132 | 11% |
| Marketing expense | 37 | 34 | 23 | 9% | 61% | 142 | 115 | 23% |
| Card and processing expense | 27 | 22 | 21 | 23% | 29% | 92 | 84 | 10% |
| Other noninterest expense | 251 | 226 | 231 | 11% | 9% | 915 | 973 | (6%) |
| Total noninterest expense | 1309 | 1267 | 1226 | 3% | 7% | 5144 | 5033 | 2% |
| **Income Before Income Taxes** | 912 | 837 | 764 | 9% | 19% | 3211 | 2916 | 10% |
| Applicable income tax expense | 181 | 188 | 144 | (4%) | 26% | 689 | 602 | 14% |
| **Net Income** | 731 | 649 | 620 | 13% | 18% | 2522 | 2314 | 9% |
| Dividends on preferred stock | 32 | 41 | 38 | (22%) | (16%) | 146 | 159 | (8%) |
| **Net Income Available to Common Shareholders** | $699 | $608 | $582 | 15% | 20% | $2376 | $2155 | 10% |

---

*(a)Effective December 31, 2025, interest on federal funds purchased and interest on other short-term borrowings are included in interest on short-term borrowings. Prior periods have been adjusted to conform to current period presentation.*

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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) | December | September | June | March | December |
|  | 2025 | 2025 | 2025 | 2025 | 2024 |
| **Interest Income** |  |  |  |  |  |
| Interest and fees on loans and leases | $1862 | $1909 | $1881 | $1816 | $1836 |
| Interest on securities | 431 | 444 | 458 | 451 | 464 |
| Interest on other short-term investments | 175 | 166 | 145 | 165 | 228 |
| Total interest income | 2468 | 2519 | 2484 | 2432 | 2528 |
| **Interest Expense** |  |  |  |  |  |
| Interest on deposits | 726 | 750 | 732 | 743 | 856 |
| Interest on short-term borrowings<sup>(a)</sup>  | 34 | 61 | 61 | 58 | 25 |
| Interest on long-term debt | 179 | 188 | 196 | 194 | 210 |
| Total interest expense | 939 | 999 | 989 | 995 | 1091 |
| **Net Interest Income** | 1529 | 1520 | 1495 | 1437 | 1437 |
| Provision for credit losses | 119 | 197 | 173 | 174 | 179 |
| **Net Interest Income After Provision for Credit Losses** | 1410 | 1323 | 1322 | 1263 | 1258 |
| **Noninterest Income** |  |  |  |  |  |
| Wealth and asset management revenue | 185 | 181 | 166 | 172 | 163 |
| Commercial payments revenue | 167 | 157 | 152 | 153 | 155 |
| Consumer banking revenue | 143 | 144 | 147 | 137 | 137 |
| Capital markets fees | 121 | 115 | 90 | 90 | 123 |
| Commercial banking revenue | 102 | 87 | 79 | 80 | 109 |
| Mortgage banking net revenue | 56 | 58 | 56 | 57 | 57 |
| Other noninterest income (loss) | 42 | 29 | 44 | 14 | (4) |
| Securities (losses) gains, net | (5) | 10 | 16 | (9) | (8) |
| Total noninterest income | 811 | 781 | 750 | 694 | 732 |
| **Noninterest Expense** |  |  |  |  |  |
| Compensation and benefits | 683 | 685 | 698 | 750 | 665 |
| Technology and communications | 138 | 128 | 126 | 123 | 123 |
| Net occupancy expense | 89 | 89 | 83 | 87 | 88 |
| Equipment expense | 43 | 44 | 41 | 42 | 39 |
| Loan and lease expense | 41 | 39 | 36 | 30 | 36 |
| Marketing expense | 37 | 34 | 43 | 28 | 23 |
| Card and processing expense | 27 | 22 | 22 | 21 | 21 |
| Other noninterest expense | 251 | 226 | 215 | 223 | 231 |
| Total noninterest expense | 1309 | 1267 | 1264 | 1304 | 1226 |
| **Income Before Income Taxes** | 912 | 837 | 808 | 653 | 764 |
| Applicable income tax expense | 181 | 188 | 180 | 138 | 144 |
| **Net Income** | 731 | 649 | 628 | 515 | 620 |
| Dividends on preferred stock | 32 | 41 | 37 | 37 | 38 |
| **Net Income Available to Common Shareholders** | $699 | $608 | $591 | $478 | $582 |

---

*(a)Effective December 31, 2025, interest on federal funds purchased and interest on other short-term borrowings are included in interest on short-term borrowings. Prior periods have been adjusted to conform to current period presentation.*

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Fifth Third Bancorp and Subsidiaries** | | | | | |
| Consolidated Balance Sheets |  |  |  |  |  |
| $ in millions, except per share data | As of | As of | As of | % Change | % Change |
| (unaudited) | December | September | December |  |  |
|  | 2025 | 2025 | 2024 | Seq | Yr/Yr |
| **Assets** |  |  |  |  |  |
| Cash and due from banks | $3499 | $2901 | $3014 | 21% | 16% |
| Other short-term investments | 18876 | 17215 | 17120 | 10% | 10% |
| Available-for-sale debt and other securities<sup>(a)</sup>  | 36159 | 36461 | 39547 | (1%) | (9%) |
| Held-to-maturity securities<sup>(b)</sup>  | 11368 | 11498 | 11278 | (1%) | 1% |
| Trading debt securities | 1057 | 1266 | 1185 | (17%) | (11%) |
| Equity securities | 453 | 287 | 341 | 58% | 33% |
| Loans and leases held for sale | 733 | 576 | 640 | 27% | 15% |
| Portfolio loans and leases: |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial and industrial loans | 52749 | 53947 | 52271 | (2%) | 1% |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial mortgage loans | 12228 | 11932 | 12246 | 2% |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial construction loans | 5316 | 5326 | 5588 |  | (5%) |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial leases | 3269 | 3218 | 3188 | 2% | 3% |
| Total commercial loans and leases | 73562 | 74423 | 73293 | (1%) |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Residential mortgage loans | 17652 | 17644 | 17543 |  | 1% |
| &nbsp;&nbsp;&nbsp;&nbsp;Home equity | 4846 | 4678 | 4188 | 4% | 16% |
| &nbsp;&nbsp;&nbsp;&nbsp;Indirect secured consumer loans | 17964 | 17885 | 16313 |  | 10% |
| &nbsp;&nbsp;&nbsp;&nbsp;Credit card | 1747 | 1692 | 1734 | 3% | 1% |
| &nbsp;&nbsp;&nbsp;&nbsp;Solar energy installation loans | 4560 | 4432 | 4202 | 3% | 9% |
| &nbsp;&nbsp;&nbsp;&nbsp;Other consumer loans | 2320 | 2376 | 2518 | (2%) | (8%) |
| Total consumer loans | 49089 | 48707 | 46498 | 1% | 6% |
| Portfolio loans and leases | 122651 | 123130 | 119791 |  | 2% |
| Allowance for loan and lease losses | (2253) | (2265) | (2352) | (1%) | (4%) |
| Portfolio loans and leases, net | 120398 | 120865 | 117439 |  | 3% |
| Bank premises and equipment | 2734 | 2655 | 2475 | 3% | 10% |
| Operating lease equipment | 374 | 379 | 319 | (1%) | 17% |
| Goodwill | 4947 | 4947 | 4918 |  | 1% |
| Intangible assets | 69 | 76 | 90 | (9%) | (23%) |
| Servicing rights | 1598 | 1601 | 1704 |  | (6%) |
| Other assets | 12111 | 12176 | 12857 | (1%) | (6%) |
| **Total Assets** | $214376 | $212903 | $212927 | 1% | 1% |
| **Liabilities** |  |  |  |  |  |
| Deposits: |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Demand | $42647 | $41830 | $41038 | 2% | 4% |
| &nbsp;&nbsp;&nbsp;&nbsp;Interest checking | 61155 | 57239 | 59306 | 7% | 3% |
| &nbsp;&nbsp;&nbsp;&nbsp;Savings | 16155 | 16110 | 17147 |  | (6%) |
| &nbsp;&nbsp;&nbsp;&nbsp;Money market | 39285 | 38748 | 36605 | 1% | 7% |
| &nbsp;&nbsp;&nbsp;&nbsp;CDs $250,000 or less | 10599 | 10667 | 10798 | (1%) | (2%) |
| &nbsp;&nbsp;&nbsp;&nbsp;CDs over $250,000 | 1978 | 1975 | 2358 |  | (16%) |
| Total deposits | 171819 | 166569 | 167252 | 3% | 3% |
| Short-term borrowings<sup>(d)</sup>  | 926 | 5260 | 4654 | (82%) | (80%) |
| Accrued taxes, interest and expenses | 2083 | 1943 | 2137 | 7% | (3%) |
| Other liabilities | 4235 | 4347 | 4902 | (3%) | (14%) |
| Long-term debt | 13589 | 13677 | 14337 | (1%) | (5%) |
| **Total Liabilities** | 192652 | 191796 | 193282 |  |  |
| **Equity** |  |  |  |  |  |
| Common stock<sup>(c)</sup>  | 2051 | 2051 | 2051 |  |  |
| Preferred stock | 1770 | 1770 | 2116 |  | (16%) |
| Capital surplus | 3831 | 3813 | 3804 |  | 1% |
| Retained earnings | 25488 | 25057 | 24150 | 2% | 6% |
| Accumulated other comprehensive loss | (3110) | (3276) | (4636) | (5%) | (33%) |
| Treasury stock | (8306) | (8308) | (7840) |  | 6% |
| **Total Equity** | 21724 | 21107 | 19645 | 3% | 11% |
| **Total Liabilities and Equity** | $214376 | $212903 | $212927 | 1% | 1% |
| *(a) Amortized cost* | *$39107* | *$39617* | *$43878* | *(1%)* | *(11%)* |
| *(b) Market values* | *11404* | *11506* | *10965* | *(1%) %)* | *4% %* |
| *(c) Common shares, stated value $2.22 per share (in thousands):* |  |  |  |  |  |
| *Authorized* | *2000000* | *2000000* | *2000000* | *—* | *—* |
| *Outstanding, excluding treasury* | *661198* | *660973* | *669854* | *—* | *—* |
| *Treasury* | *262695* | *262919* | *254039* | *—* | *—* |
| *(d) Effective December 31, 2025, federal funds purchased and other short-term borrowings are included in short-term borrowings. Prior periods have been adjusted to conform to* <br>*&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;current period presentation.* | *(d) Effective December 31, 2025, federal funds purchased and other short-term borrowings are included in short-term borrowings. Prior periods have been adjusted to conform to* <br>*&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;current period presentation.* | *(d) Effective December 31, 2025, federal funds purchased and other short-term borrowings are included in short-term borrowings. Prior periods have been adjusted to conform to* <br>*&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;current period presentation.* | *(d) Effective December 31, 2025, federal funds purchased and other short-term borrowings are included in short-term borrowings. Prior periods have been adjusted to conform to* <br>*&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;current period presentation.* | *(d) Effective December 31, 2025, federal funds purchased and other short-term borrowings are included in short-term borrowings. Prior periods have been adjusted to conform to* <br>*&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;current period presentation.* | *(d) Effective December 31, 2025, federal funds purchased and other short-term borrowings are included in short-term borrowings. Prior periods have been adjusted to conform to* <br>*&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;current period presentation.* |

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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) | December | September | June | March | December |
|  | 2025 | 2025 | 2025 | 2025 | 2024 |
| **Assets** |  |  |  |  |  |
| Cash and due from banks | $3499 | $2901 | $2972 | $3009 | $3014 |
| Other short-term investments | 18876 | 17215 | 13043 | 14965 | 17120 |
| Available-for-sale debt and other securities<sup>(a)</sup> | 36159 | 36461 | 38270 | 39747 | 39547 |
| Held-to-maturity securities<sup>(b)</sup> | 11368 | 11498 | 11630 | 11185 | 11278 |
| Trading debt securities | 1057 | 1266 | 1324 | 1159 | 1185 |
| Equity securities | 453 | 287 | 404 | 494 | 341 |
| Loans and leases held for sale | 733 | 576 | 646 | 473 | 640 |
| Portfolio loans and leases: |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial and industrial loans | 52749 | 53947 | 53312 | 53700 | 52271 |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial mortgage loans | 12228 | 11932 | 12112 | 12357 | 12246 |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial construction loans | 5316 | 5326 | 5551 | 5952 | 5588 |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial leases | 3269 | 3218 | 3177 | 3128 | 3188 |
| Total commercial loans and leases | 73562 | 74423 | 74152 | 75137 | 73293 |
| &nbsp;&nbsp;&nbsp;&nbsp;Residential mortgage loans | 17652 | 17644 | 17681 | 17581 | 17543 |
| &nbsp;&nbsp;&nbsp;&nbsp;Home equity | 4846 | 4678 | 4485 | 4265 | 4188 |
| &nbsp;&nbsp;&nbsp;&nbsp;Indirect secured consumer loans | 17964 | 17885 | 17591 | 16804 | 16313 |
| &nbsp;&nbsp;&nbsp;&nbsp;Credit card | 1747 | 1692 | 1707 | 1660 | 1734 |
| &nbsp;&nbsp;&nbsp;&nbsp;Solar energy installation loans | 4560 | 4432 | 4316 | 4262 | 4202 |
| &nbsp;&nbsp;&nbsp;&nbsp;Other consumer loans | 2320 | 2376 | 2464 | 2482 | 2518 |
| Total consumer loans | 49089 | 48707 | 48244 | 47054 | 46498 |
| Portfolio loans and leases | 122651 | 123130 | 122396 | 122191 | 119791 |
| Allowance for loan and lease losses | (2253) | (2265) | (2412) | (2384) | (2352) |
| Portfolio loans and leases, net | 120398 | 120865 | 119984 | 119807 | 117439 |
| Bank premises and equipment | 2734 | 2655 | 2560 | 2506 | 2475 |
| Operating lease equipment | 374 | 379 | 344 | 314 | 319 |
| Goodwill | 4947 | 4947 | 4918 | 4918 | 4918 |
| Intangible assets | 69 | 76 | 75 | 82 | 90 |
| Servicing rights | 1598 | 1601 | 1629 | 1663 | 1704 |
| Other assets | 12111 | 12176 | 12192 | 12347 | 12857 |
| **Total Assets** | $214376 | $212903 | $209991 | $212669 | $212927 |
| **Liabilities** |  |  |  |  |  |
| Deposits: |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Demand | $42647 | $41830 | $42174 | $40855 | $41038 |
| &nbsp;&nbsp;&nbsp;&nbsp;Interest checking | 61155 | 57239 | 55524 | 58420 | 59306 |
| &nbsp;&nbsp;&nbsp;&nbsp;Savings | 16155 | 16110 | 16614 | 17583 | 17147 |
| &nbsp;&nbsp;&nbsp;&nbsp;Money market | 39285 | 38748 | 36586 | 36505 | 36605 |
| &nbsp;&nbsp;CDs $250,000 or less | 10599 | 10667 | 10883 | 10248 | 10798 |
| &nbsp;&nbsp;CDs over $250,000 | 1978 | 1975 | 2426 | 1894 | 2358 |
| Total deposits | 171819 | 166569 | 164207 | 165505 | 167252 |
| Short-term borrowings<sup>(d)</sup>  | 926 | 5260 | 3571 | 5684 | 4654 |
| Accrued taxes, interest and expenses | 2083 | 1943 | 1970 | 1722 | 2137 |
| Other liabilities | 4235 | 4347 | 4627 | 4816 | 4902 |
| Long-term debt | 13589 | 13677 | 14492 | 14539 | 14337 |
| **Total Liabilities** | 192652 | 191796 | 188867 | 192266 | 193282 |
| **Equity** |  |  |  |  |  |
| Common stock<sup>(c)</sup> | 2051 | 2051 | 2051 | 2051 | 2051 |
| Preferred stock | 1770 | 1770 | 2116 | 2116 | 2116 |
| Capital surplus | 3831 | 3813 | 3794 | 3773 | 3804 |
| Retained earnings | 25488 | 25057 | 24718 | 24377 | 24150 |
| Accumulated other comprehensive loss | (3110) | (3276) | (3546) | (3895) | (4636) |
| Treasury stock | (8306) | (8308) | (8009) | (8019) | (7840) |
| **Total Equity** | 21724 | 21107 | 21124 | 20403 | 19645 |
| **Total Liabilities and Equity** | $214376 | $212903 | $209991 | $212669 | $212927 |
| *(a) Amortized cost* | *$39107* | *$39617* | *$41731* | *$43445* | *$43878* |
| *(b) Market values* | *11404* | *11506* | *11547* | *11072* | *10965* |
| *(c) Common shares, stated value $2.22 per share (in thousands):* |  |  |  |  |  |
| *Authorized* | *2000000* | *2000000* | *2000000* | *2000000* | *2000000* |
| *Outstanding, excluding treasury* | *661198* | *660973* | *667710* | *667272* | *669854* |
| *Treasury* | *262695* | *262919* | *256183* | *256621* | *254039* |
| *(d) Effective December 31, 2025, federal funds purchased and other short-term borrowings are included in short-term borrowings. Prior periods have been adjusted to conform to* <br>*&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;current period presentation.* | *(d) Effective December 31, 2025, federal funds purchased and other short-term borrowings are included in short-term borrowings. Prior periods have been adjusted to conform to* <br>*&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;current period presentation.* | *(d) Effective December 31, 2025, federal funds purchased and other short-term borrowings are included in short-term borrowings. Prior periods have been adjusted to conform to* <br>*&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;current period presentation.* | *(d) Effective December 31, 2025, federal funds purchased and other short-term borrowings are included in short-term borrowings. Prior periods have been adjusted to conform to* <br>*&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;current period presentation.* | *(d) Effective December 31, 2025, federal funds purchased and other short-term borrowings are included in short-term borrowings. Prior periods have been adjusted to conform to* <br>*&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;current period presentation.* | *(d) Effective December 31, 2025, federal funds purchased and other short-term borrowings are included in short-term borrowings. Prior periods have been adjusted to conform to* <br>*&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;current period presentation.* |

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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 |
|  | December | December | December | December |
|  | 2025 | 2024 | 2025 | 2024 |
| **Total Equity, Beginning** | $21107 | $20784 | $19645 | $19172 |
| Net income | 731 | 620 | 2522 | 2314 |
| Other comprehensive income, net of tax: |  |  |  |  |
| &nbsp;&nbsp;&nbsp;Change in unrealized gains (losses): |  |  |  |  |
| Available-for-sale debt securities | 159 | (747) | 1049 | 29 |
| Qualifying cash flow hedges | (18) | (468) | 379 | (282) |
| &nbsp;&nbsp;&nbsp;Amortization of unrealized losses on securities transferred to held-to-maturity | 25 | 25 | 97 | 101 |
| &nbsp;&nbsp;&nbsp;Change in accumulated other comprehensive income related to employee benefit plans |  |  | 1 | 1 |
| &nbsp;&nbsp;&nbsp;Other |  |  |  | 2 |
| Comprehensive income | 897 | (570) | 4048 | 2165 |
| Cash dividends declared: |  |  |  |  |
| Common stock | (268) | (252) | (1038) | (992) |
| Preferred stock | (32) | (38) | (142) | (159) |
| Impact of stock transactions under stock compensation plans, net | 20 | 24 | 90 | 99 |
| Shares acquired for treasury |  | (303) | (529) | (630) |
| Redemption of preferred stock |  |  | (350) |  |
| Impact of cumulative effect of change in accounting principle |  |  |  | (10) |
| **Total Equity, Ending** | $21724 | $19645 | $21724 | $19645 |

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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 | December | December | September | September | December | December |
| (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> | $53960 | 5.96% | $54196 | 6.20% | $51575 | 6.65% |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial mortgage loans<sup>(a)</sup> | 12083 | 5.95% | 12043 | 6.26% | 11822 | 5.76% |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial construction loans<sup>(a)</sup> | 5399 | 6.84% | 5541 | 7.17% | 5711 | 6.58% |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial leases<sup>(a)</sup> | 3172 | 4.68% | 3177 | 4.70% | 2902 | 4.62% |
| Total commercial loans and leases | 74614 | 5.96% | 74957 | 6.22% | 72010 | 6.42% |
| &nbsp;&nbsp;&nbsp;&nbsp;Residential mortgage loans | 18358 | 4.01% | 18279 | 4.03% | 17906 | 3.80% |
| &nbsp;&nbsp;&nbsp;&nbsp;Home equity | 4770 | 7.23% | 4580 | 7.43% | 4125 | 7.95% |
| &nbsp;&nbsp;&nbsp;&nbsp;Indirect secured consumer loans | 17879 | 5.62% | 17729 | 5.65% | 16100 | 5.53% |
| &nbsp;&nbsp;&nbsp;&nbsp;Credit card | 1695 | 14.04% | 1678 | 14.26% | 1668 | 14.24% |
| &nbsp;&nbsp;&nbsp;&nbsp;Solar energy installation loans | 4486 | 9.00% | 4355 | 8.76% | 4137 | 7.91% |
| &nbsp;&nbsp;&nbsp;&nbsp;Other consumer loans | 2345 | 9.33% | 2415 | 9.25% | 2546 | 9.28% |
| Total consumer loans | 49533 | 5.94% | 49036 | 5.96% | 46482 | 5.81% |
| Total loans and leases | 124147 | 5.96% | 123993 | 6.12% | 118492 | 6.18% |
| Securities: |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;Taxable securities | 51157 | 3.28% | 53244 | 3.25% | 55319 | 3.27% |
| &nbsp;&nbsp;&nbsp;Tax exempt securities<sup>(a)</sup> | 1355 | 3.12% | 1348 | 3.18% | 1383 | 3.18% |
| Other short-term investments | 17485 | 3.96% | 14915 | 4.43% | 18319 | 4.94% |
| Total interest-earning assets | 194144 | 5.05% | 193500 | 5.18% | 193513 | 5.21% |
| Cash and due from banks | 2716 |  | 2485 |  | 2664 |  |
| Other assets | 18425 |  | 18196 |  | 17838 |  |
| Allowance for loan and lease losses | (2264) |  | (2411) |  | (2306) |  |
| **Total Assets** | $213021 |  | $211770 |  | $211709 |  |
| **Liabilities** |  |  |  |  |  |  |
| Interest-bearing liabilities: |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Interest checking deposits | $58612 | 2.45% | $56624 | 2.72% | $59441 | 2.98% |
| &nbsp;&nbsp;&nbsp;&nbsp;Savings deposits | 16103 | 0.40% | 16376 | 0.46% | 17257 | 0.64% |
| &nbsp;&nbsp;&nbsp;&nbsp;Money market deposits | 39409 | 2.39% | 37434 | 2.40% | 37279 | 2.65% |
| &nbsp;&nbsp;&nbsp;&nbsp;CDs $250,000 or less | 10541 | 3.43% | 10841 | 3.46% | 10592 | 3.95% |
| Total interest-bearing core deposits | 124665 | 2.25% | 121275 | 2.38% | 124569 | 2.64% |
| &nbsp;&nbsp;&nbsp;&nbsp;CDs over $250,000 | 1948 | 3.94% | 2244 | 4.00% | 2531 | 4.83% |
| Total interest-bearing deposits | 126613 | 2.28% | 123519 | 2.41% | 127100 | 2.68% |
| &nbsp;&nbsp;&nbsp;&nbsp;Federal funds purchased | 204 | 3.92% | 198 | 4.35% | 223 | 4.73% |
| &nbsp;&nbsp;&nbsp;&nbsp;Securities sold under repurchase agreements | 365 | 1.46% | 376 | 1.65% | 313 | 1.15% |
| &nbsp;&nbsp;&nbsp;&nbsp;FHLB advances | 2552 | 4.47% | 4920 | 4.51% | 1567 | 4.87% |
| &nbsp;&nbsp;&nbsp;&nbsp;Derivative collateral and other secured borrowings | 84 | 6.92% | 82 | 6.13% | 76 | 7.68% |
| &nbsp;&nbsp;&nbsp;&nbsp;Long-term debt | 13700 | 5.20% | 14001 | 5.31% | 15492 | 5.40% |
| Total interest-bearing liabilities | 143518 | 2.60% | 143096 | 2.77% | 144771 | 3.00% |
| Demand deposits | 41771 |  | 41235 |  | 40137 |  |
| Other liabilities | 6205 |  | 6223 |  | 6908 |  |
| **Total Liabilities** | 191494 |  | 190554 |  | 191816 |  |
| **Total Equity** | 21527 |  | 21216 |  | 19893 |  |
| **Total Liabilities and Equity** | $213021 |  | $211770 |  | $211709 |  |
| **Ratios:** |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Net interest margin (FTE)<sup>(b)</sup> |  | 3.13% |  | 3.13% |  | 2.97% |
| &nbsp;&nbsp;&nbsp;&nbsp;Net interest rate spread (FTE)<sup>(b)</sup> |  | 2.45% |  | 2.41% |  | 2.21% |
| &nbsp;&nbsp;&nbsp;&nbsp;Interest-bearing liabilities to interest-earning assets |  | 73.92% |  | 73.95% |  | 74.81% |
| *(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 | December | December | December | December |
| (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> | $53927 | 6.16% | $52210 | 7.00% |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial mortgage loans<sup>(a)</sup> | 12232 | 6.08% | 11501 | 6.14% |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial construction loans<sup>(a)</sup> | 5639 | 7.02% | 5835 | 7.02% |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial leases<sup>(a)</sup> | 3145 | 4.75% | 2677 | 4.44% |
| Total commercial loans and leases | 74943 | 6.15% | 72223 | 6.77% |
| &nbsp;&nbsp;&nbsp;&nbsp;Residential mortgage loans | 18194 | 4.00% | 17537 | 3.68% |
| &nbsp;&nbsp;&nbsp;&nbsp;Home equity | 4491 | 7.40% | 4002 | 8.25% |
| &nbsp;&nbsp;&nbsp;&nbsp;Indirect secured consumer loans | 17338 | 5.62% | 15583 | 5.27% |
| &nbsp;&nbsp;&nbsp;&nbsp;Credit card | 1665 | 14.34% | 1719 | 13.70% |
| &nbsp;&nbsp;&nbsp;&nbsp;Solar energy installation loans | 4333 | 8.48% | 3960 | 8.04% |
| &nbsp;&nbsp;&nbsp;&nbsp;Other consumer loans | 2435 | 9.26% | 2700 | 9.19% |
| Total consumer loans | 48456 | 5.91% | 45501 | 5.71% |
| Total loans and leases | 123399 | 6.06% | 117724 | 6.36% |
| Securities: |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Taxable securities | 53613 | 3.27% | 55227 | 3.26% |
| &nbsp;&nbsp;&nbsp;&nbsp;Tax exempt securities<sup>(a)</sup> | 1361 | 3.17% | 1392 | 3.25% |
| Other short-term investments | 14915 | 4.37% | 20457 | 5.43% |
| Total interest-earning assets | 193288 | 5.13% | 194800 | 5.36% |
| Cash and due from banks | 2508 |  | 2677 |  |
| Other assets | 18040 |  | 17637 |  |
| Allowance for loan and lease losses | (2353) |  | (2308) |  |
| **Total Assets** | $211483 |  | $212806 |  |
| **Liabilities** |  |  |  |  |
| Interest-bearing liabilities: |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Interest checking deposits | $57484 | 2.63% | $58757 | 3.28% |
| &nbsp;&nbsp;&nbsp;&nbsp;Savings deposits | 16663 | 0.47% | 17594 | 0.68% |
| &nbsp;&nbsp;&nbsp;&nbsp;Money market deposits | 37406 | 2.41% | 36165 | 2.90% |
| &nbsp;&nbsp;&nbsp;&nbsp;CDs $250,000 or less | 10565 | 3.50% | 10537 | 4.10% |
| Total interest-bearing core deposits | 122118 | 2.34% | 123053 | 2.87% |
| &nbsp;&nbsp;&nbsp;&nbsp;CDs over $250,000 | 2184 | 4.12% | 4069 | 5.11% |
| Total interest-bearing deposits | 124302 | 2.37% | 127122 | 2.94% |
| &nbsp;&nbsp;&nbsp;&nbsp;Federal funds purchased | 200 | 4.26% | 207 | 5.21% |
| &nbsp;&nbsp;&nbsp;&nbsp;Securities sold under repurchase agreements | 345 | 1.32% | 362 | 1.86% |
| &nbsp;&nbsp;&nbsp;&nbsp;FHLB advances | 4299 | 4.56% | 2602 | 5.56% |
| &nbsp;&nbsp;&nbsp;&nbsp;Derivative collateral and other secured borrowings | 86 | 6.27% | 60 | 8.92% |
| &nbsp;&nbsp;&nbsp;&nbsp;Long-term debt | 14218 | 5.31% | 15835 | 5.63% |
| Total interest-bearing liabilities | 143450 | 2.73% | 146188 | 3.28% |
| Demand deposits | 40926 |  | 40314 |  |
| Other liabilities | 6249 |  | 6906 |  |
| **Total Liabilities** | 190625 |  | 193408 |  |
| **Total Equity** | 20858 |  | 19398 |  |
| **Total Liabilities and Equity** | $211483 |  | $212806 |  |
| **Ratios:** |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Net interest margin (FTE)<sup>(b)</sup> |  | 3.11% |  | 2.90% |
| &nbsp;&nbsp;&nbsp;&nbsp;Net interest rate spread (FTE)<sup>(b)</sup> |  | 2.40% |  | 2.08% |
| &nbsp;&nbsp;&nbsp;&nbsp;Interest-bearing liabilities to interest-earning assets |  | 74.22% |  | 75.05% |
| *(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) | December | September | June | March | December |
|  | 2025 | 2025 | 2025 | 2025 | 2024 |
| **Average Portfolio Loans and Leases** |  |  |  |  |  |
| Commercial loans and leases: |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial and industrial loans | $53947 | $54170 | $54075 | $53401 | $51567 |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial mortgage loans | 12079 | 12027 | 12410 | 12368 | 11792 |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial construction loans | 5399 | 5541 | 5810 | 5797 | 5702 |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial leases | 3172 | 3177 | 3120 | 3110 | 2902 |
| Total commercial loans and leases | 74597 | 74915 | 75415 | 74676 | 71963 |
| Consumer loans: |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Residential mortgage loans | 17660 | 17656 | 17615 | 17552 | 17322 |
| &nbsp;&nbsp;&nbsp;&nbsp;Home equity | 4769 | 4579 | 4383 | 4222 | 4125 |
| &nbsp;&nbsp;&nbsp;&nbsp;Indirect secured consumer loans | 17879 | 17729 | 17248 | 16476 | 16100 |
| &nbsp;&nbsp;&nbsp;&nbsp;Credit card | 1694 | 1678 | 1659 | 1627 | 1668 |
| &nbsp;&nbsp;&nbsp;&nbsp;Solar energy installation loans | 4486 | 4355 | 4268 | 4221 | 4137 |
| &nbsp;&nbsp;&nbsp;&nbsp;Other consumer loans | 2345 | 2414 | 2483 | 2498 | 2545 |
| Total consumer loans | 48833 | 48411 | 47656 | 46596 | 45897 |
| Total average portfolio loans and leases | $123430 | $123326 | $123071 | $121272 | $117860 |
| **Average Loans and Leases Held for Sale** |  |  |  |  |  |
| Commercial loans and leases held for sale | $19 | $44 | $45 | $64 | $48 |
| Consumer loans held for sale | 698 | 623 | 541 | 428 | 584 |
| Average loans and leases held for sale | $717 | $667 | $586 | $492 | $632 |
| **End of Period Portfolio Loans and Leases** |  |  |  |  |  |
| Commercial loans and leases: |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial and industrial loans | $52749 | $53947 | $53312 | $53700 | $52271 |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial mortgage loans | 12228 | 11932 | 12112 | 12357 | 12246 |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial construction loans | 5316 | 5326 | 5551 | 5952 | 5588 |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial leases | 3269 | 3218 | 3177 | 3128 | 3188 |
| Total commercial loans and leases | 73562 | 74423 | 74152 | 75137 | 73293 |
| Consumer loans: |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Residential mortgage loans | 17652 | 17644 | 17681 | 17581 | 17543 |
| &nbsp;&nbsp;&nbsp;&nbsp;Home equity | 4846 | 4678 | 4485 | 4265 | 4188 |
| &nbsp;&nbsp;&nbsp;&nbsp;Indirect secured consumer loans | 17964 | 17885 | 17591 | 16804 | 16313 |
| &nbsp;&nbsp;&nbsp;&nbsp;Credit card | 1747 | 1692 | 1707 | 1660 | 1734 |
| &nbsp;&nbsp;&nbsp;&nbsp;Solar energy installation loans | 4560 | 4432 | 4316 | 4262 | 4202 |
| &nbsp;&nbsp;&nbsp;&nbsp;Other consumer loans | 2320 | 2376 | 2464 | 2482 | 2518 |
| Total consumer loans | 49089 | 48707 | 48244 | 47054 | 46498 |
| Total portfolio loans and leases | $122651 | $123130 | $122396 | $122191 | $119791 |
| **End of Period Loans and Leases Held for Sale** |  |  |  |  |  |
| Commercial loans and leases held for sale | $75 | $8 | $74 | $28 | $66 |
| Consumer loans held for sale | 658 | 568 | 572 | 445 | 574 |
| Loans and leases held for sale | $733 | $576 | $646 | $473 | $640 |
| Operating lease equipment | $374 | $379 | $344 | $314 | $319 |
| **Loans and Leases Serviced for Others**<sup>(a)</sup> |  |  |  |  |  |
| Commercial and industrial loans | $1290 | $1206 | $1166 | $1104 | $1071 |
| Commercial mortgage loans | 501 | 558 | 601 | 603 | 579 |
| Commercial construction loans | 291 | 304 | 333 | 367 | 348 |
| Commercial leases | 853 | 764 | 757 | 755 | 725 |
| Residential mortgage loans | 87827 | 89639 | 91201 | 92769 | 94225 |
| Solar energy installation loans | 686 | 692 | 557 | 575 | 593 |
| Other consumer loans | 92 | 98 | 105 | 112 | 119 |
| Total loans and leases serviced for others | 91540 | 93261 | 94720 | 96285 | 97660 |
| Total loans and leases owned or serviced | $215298 | $217346 | $218106 | $219263 | $218410 |

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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) | December | September | June | March | December |
|  | 2025<sup>(a)</sup> | 2025 | 2025 | 2025 | 2024 |
| **Regulatory Capital**<sup>(b)</sup> |  |  |  |  |  |
| CET1 capital | $18101 | $17645 | $17616 | $17239 | $17339 |
| Additional tier 1 capital | 1770 | 1770 | 2116 | 2116 | 2116 |
| Tier 1 capital | 19871 | 19415 | 19732 | 19355 | 19455 |
| Tier 2 capital | 3204 | 3204 | 3197 | 3175 | 3291 |
| Total regulatory capital | $23075 | $22619 | $22929 | $22530 | $22746 |
| Risk-weighted assets | $168121 | $166999 | $166517 | $165326 | $164102 |
| **Ratios** |  |  |  |  |  |
| Average total Bancorp shareholders' equity as a percent of average assets | 10.11% | 10.02% | 9.82% | 9.50% | 9.40% |
| **Regulatory Capital Ratios**<sup>(b)</sup> |  |  |  |  |  |
| Fifth Third Bancorp |  |  |  |  |  |
| CET1 capital | 10.77% | 10.57% | 10.58% | 10.43% | 10.57% |
| Tier 1 risk-based capital | 11.82% | 11.63% | 11.85% | 11.71% | 11.86% |
| Total risk-based capital | 13.73% | 13.54% | 13.77% | 13.63% | 13.86% |
| Leverage | 9.42% | 9.24% | 9.42% | 9.23% | 9.22% |
| Fifth Third Bank, National Association |  |  |  |  |  |
| Tier 1 risk-based capital | 13.04% | 12.95% | 12.87% | 12.78% | 12.86% |
| Total risk-based capital | 14.28% | 14.19% | 14.12% | 14.02% | 14.19% |
| Leverage | 10.41% | 10.31% | 10.25% | 10.10% | 10.02% |

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

*(b)Regulatory capital ratios as of December 31, 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) | December | September | June | March | December |
|  | 2025 | 2025 | 2025 | 2025 | 2024 |
| Average portfolio loans and leases: |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial and industrial loans | $53947 | $54170 | $54075 | $53401 | $51567 |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial mortgage loans | 12079 | 12027 | 12410 | 12368 | 11792 |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial construction loans | 5399 | 5541 | 5810 | 5797 | 5702 |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial leases | 3172 | 3177 | 3120 | 3110 | 2902 |
| Total commercial loans and leases | 74597 | 74915 | 75415 | 74676 | 71963 |
| &nbsp;&nbsp;&nbsp;&nbsp;Residential mortgage loans | 17660 | 17656 | 17615 | 17552 | 17322 |
| &nbsp;&nbsp;&nbsp;&nbsp;Home equity | 4769 | 4579 | 4383 | 4222 | 4125 |
| &nbsp;&nbsp;&nbsp;&nbsp;Indirect secured consumer loans | 17879 | 17729 | 17248 | 16476 | 16100 |
| &nbsp;&nbsp;&nbsp;&nbsp;Credit card | 1694 | 1678 | 1659 | 1627 | 1668 |
| &nbsp;&nbsp;&nbsp;&nbsp;Solar energy installation loans | 4486 | 4355 | 4268 | 4221 | 4137 |
| &nbsp;&nbsp;&nbsp;&nbsp;Other consumer loans | 2345 | 2414 | 2483 | 2498 | 2545 |
| Total consumer loans | 48833 | 48411 | 47656 | 46596 | 45897 |
| Total average portfolio loans and leases | $123430 | $123326 | $123071 | $121272 | $117860 |
| Losses charged-off: |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial and industrial loans | ($61) | ($280) | ($84) | ($54) | ($61) |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial mortgage loans | (7) | (2) | (4) | (11) |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial construction loans |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial leases | (1) |  | (2) | (2) | (2) |
| Total commercial loans and leases | (69) | (282) | (90) | (67) | (63) |
| &nbsp;&nbsp;&nbsp;&nbsp;Residential mortgage loans |  |  |  |  | (1) |
| &nbsp;&nbsp;&nbsp;&nbsp;Home equity | (2) | (1) | (2) | (2) | (2) |
| &nbsp;&nbsp;&nbsp;&nbsp;Indirect secured consumer loans | (41) | (34) | (33) | (36) | (39) |
| &nbsp;&nbsp;&nbsp;&nbsp;Credit card | (20) | (20) | (20) | (22) | (21) |
| &nbsp;&nbsp;&nbsp;&nbsp;Solar energy installation loans | (22) | (20) | (23) | (21) | (20) |
| &nbsp;&nbsp;&nbsp;&nbsp;Other consumer loans | (23) | (25) | (26) | (25) | (29) |
| Total consumer loans | (108) | (100) | (104) | (106) | (112) |
| Total losses charged-off | ($177) | ($382) | ($194) | ($173) | ($175) |
| Recoveries of losses previously charged-off: |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial and industrial loans | $17 | $6 | $15 | $2 | $6 |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial mortgage loans | 1 | 1 | 1 | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial construction loans |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial leases |  |  | 3 |  |  |
| Total commercial loans and leases | 18 | 7 | 19 | 3 | 6 |
| &nbsp;&nbsp;&nbsp;&nbsp;Residential mortgage loans | 1 | 1 | 1 |  | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp;Home equity | 1 | 2 | 2 | 2 | 2 |
| &nbsp;&nbsp;&nbsp;&nbsp;Indirect secured consumer loans | 14 | 16 | 17 | 15 | 12 |
| &nbsp;&nbsp;&nbsp;&nbsp;Credit card | 5 | 4 | 5 | 5 | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp;Solar energy installation loans | 5 | 4 | 3 | 3 | 3 |
| &nbsp;&nbsp;&nbsp;&nbsp;Other consumer loans | 8 | 9 | 8 | 9 | 11 |
| Total consumer loans | 34 | 36 | 36 | 34 | 33 |
| Total recoveries of losses previously charged-off | $52 | $43 | $55 | $37 | $39 |
| Net losses charged-off: |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial and industrial loans | ($44) | ($274) | ($69) | ($52) | ($55) |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial mortgage loans | (6) | (1) | (3) | (10) |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial construction loans |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial leases | (1) |  | 1 | (2) | (2) |
| Total commercial loans and leases | (51) | (275) | (71) | (64) | (57) |
| &nbsp;&nbsp;&nbsp;&nbsp;Residential mortgage loans | 1 | 1 | 1 |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Home equity | (1) | 1 |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Indirect secured consumer loans | (27) | (18) | (16) | (21) | (27) |
| &nbsp;&nbsp;&nbsp;&nbsp;Credit card | (15) | (16) | (15) | (17) | (17) |
| &nbsp;&nbsp;&nbsp;&nbsp;Solar energy installation loans | (17) | (16) | (20) | (18) | (17) |
| &nbsp;&nbsp;&nbsp;&nbsp;Other consumer loans | (15) | (16) | (18) | (16) | (18) |
| Total consumer loans | (74) | (64) | (68) | (72) | (79) |
| Total net losses charged-off | ($125) | ($339) | ($139) | ($136) | ($136) |
| Net losses charged-off as a percent of average portfolio loans and leases (annualized): |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial and industrial loans | 0.32% | 2.01% | 0.51% | 0.39% | 0.42% |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial mortgage loans | 0.21% | 0.04% | 0.11% | 0.34% | 0.01% |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial construction loans |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial leases | 0.16% | (0.04%) | (0.10%) | 0.29% | 0.32% |
| Total commercial loans and leases | 0.27% | 1.46% | 0.38% | 0.35% | 0.32% |
| &nbsp;&nbsp;&nbsp;&nbsp;Residential mortgage loans | (0.01%) | (0.02%) | (0.01%) |  | (0.01%) |
| &nbsp;&nbsp;&nbsp;&nbsp;Home equity | 0.06% | (0.05%) | 0.02% | 0.04% | (0.01%) |
| &nbsp;&nbsp;&nbsp;&nbsp;Indirect secured consumer loans | 0.59% | 0.40% | 0.37% | 0.53% | 0.66% |
| &nbsp;&nbsp;&nbsp;&nbsp;Credit card | 3.62% | 3.70% | 3.74% | 4.19% | 4.00% |
| &nbsp;&nbsp;&nbsp;&nbsp;Solar energy installation loans | 1.45% | 1.47% | 1.86% | 1.73% | 1.64% |
| &nbsp;&nbsp;&nbsp;&nbsp;Other consumer loans | 2.46% | 2.51% | 2.49% | 2.52% | 2.84% |
| Total consumer loans | 0.59% | 0.52% | 0.56% | 0.63% | 0.68% |
| Total net losses charged-off as a percent of average portfolio loans and leases (annualized) | 0.40% | 1.09% | 0.45% | 0.46% | 0.46% |

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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) | December | September | June | March | December |
|  | 2025 | 2025 | 2025 | 2025 | 2024 |
| **Allowance for Credit Losses** |  |  |  |  |  |
| Allowance for loan and lease losses, beginning | $2265 | $2412 | $2384 | $2352 | $2305 |
| &nbsp;&nbsp;&nbsp;&nbsp;Total net losses charged-off | (125) | (339) | (139) | (136) | (136) |
| &nbsp;&nbsp;&nbsp;Provision for loan and lease losses | 113 | 192 | 167 | 168 | 183 |
| Allowance for loan and lease losses, ending | $2253 | $2265 | $2412 | $2384 | $2352 |
| Reserve for unfunded commitments, beginning | $151 | $146 | $140 | $134 | $138 |
| Provision for (benefit from) the reserve for unfunded commitments | 6 | 5 | 6 | 6 | (4) |
| Reserve for unfunded commitments, ending | $157 | $151 | $146 | $140 | $134 |
| Components of allowance for credit losses: |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Allowance for loan and lease losses | $2253 | $2265 | $2412 | $2384 | $2352 |
| &nbsp;&nbsp;&nbsp;&nbsp;Reserve for unfunded commitments | 157 | 151 | 146 | 140 | 134 |
| Total allowance for credit losses | $2410 | $2416 | $2558 | $2524 | $2486 |
|  | As of | As of | As of | As of | As of |
|  | December | September | June | March | December |
|  | 2025 | 2025 | 2025 | 2025 | 2024 |
| **Nonperforming Assets and Delinquent Loans** |  |  |  |  |  |
| Nonaccrual portfolio loans and leases: |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial and industrial loans | $393 | $393 | $460 | $537 | $374 |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial mortgage loans | 34 | 42 | 48 | 70 | 79 |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial construction loans |  |  |  |  | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial leases |  |  |  | 16 | 2 |
| &nbsp;&nbsp;&nbsp;&nbsp;Residential mortgage loans | 149 | 142 | 143 | 145 | 137 |
| &nbsp;&nbsp;&nbsp;&nbsp;Home equity | 71 | 72 | 75 | 69 | 70 |
| &nbsp;&nbsp;&nbsp;&nbsp;Indirect secured consumer loans | 61 | 61 | 65 | 60 | 55 |
| &nbsp;&nbsp;&nbsp;&nbsp;Credit card | 29 | 29 | 29 | 31 | 32 |
| &nbsp;&nbsp;&nbsp;&nbsp;Solar energy installation loans | 22 | 22 | 26 | 30 | 64 |
| &nbsp;&nbsp;&nbsp;&nbsp;Other consumer loans | 8 | 7 | 7 | 8 | 9 |
| Total nonaccrual portfolio loans and leases | 767 | 768 | 853 | 966 | 823 |
| Repossessed property | 11 | 12 | 8 | 9 | 9 |
| OREO | 19 | 21 | 25 | 21 | 21 |
| Total nonperforming portfolio loans and leases and OREO | 797 | 801 | 886 | 996 | 853 |
| Nonaccrual loans held for sale | 70 | 4 | 27 | 21 | 7 |
| Total nonperforming assets | $867 | $805 | $913 | $1017 | $860 |
| Loans and leases 90 days past due (accrual): |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial and industrial loans | $2 | $2 | $5 | $2 | $5 |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial mortgage loans |  |  | 3 | 6 |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial construction loans | 1 |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial leases |  |  |  |  | 1 |
| Total commercial loans and leases | 3 | 2 | 8 | 8 | 6 |
| &nbsp;&nbsp;&nbsp;&nbsp;Residential mortgage loans<sup>(c)</sup> | 10 | 11 | 8 | 8 | 6 |
| &nbsp;&nbsp;&nbsp;&nbsp;Credit card | 17 | 16 | 18 | 17 | 20 |
| Total consumer loans | 27 | 27 | 26 | 25 | 26 |
| Total loans and leases 90 days past due (accrual)<sup>(b)</sup> | $30 | $29 | $34 | $33 | $32 |
| **Ratios** |  |  |  |  |  |
| Net losses charged-off as a percent of average portfolio loans and leases (annualized) | 0.40% | 1.09% | 0.45% | 0.46% | 0.46% |
| Allowance for credit losses: |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;As a percent of portfolio loans and leases | 1.96% | 1.96% | 2.09% | 2.07% | 2.08% |
| &nbsp;&nbsp;&nbsp;&nbsp;As a percent of nonperforming portfolio loans and leases<sup>(a)</sup> | 314% | 314% | 300% | 261% | 302% |
| &nbsp;&nbsp;&nbsp;&nbsp;As a percent of nonperforming portfolio assets<sup>(a)</sup>  | 302% | 302% | 289% | 253% | 291% |
| Nonperforming portfolio loans and leases as a percent of portfolio loans and leases<sup>(a)</sup> | 0.62% | 0.62% | 0.70% | 0.79% | 0.69% |
| Nonperforming portfolio assets as a percent of portfolio loans and leases and OREO<sup>(a)</sup> | 0.65% | 0.65% | 0.72% | 0.81% | 0.71% |
| Nonperforming assets as a percent of total loans and leases, OREO, and repossessed property | 0.70% | 0.65% | 0.74% | 0.83% | 0.71% |
| *(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) | December | September | June | March | December |
|  |  | 2025 | 2025 | 2025 | 2025 | 2024 |
| **Net interest income** | **Net interest income** | $1529 | $1520 | $1495 | $1437 | $1437 |
| Add: Taxable equivalent adjustment | Add: Taxable equivalent adjustment | 4 | 5 | 5 | 5 | 6 |
| Net interest income (FTE) (a) | Net interest income (FTE) (a) | 1533 | 1525 | 1500 | 1442 | 1443 |
| **Net interest income (annualized) (b)** | **Net interest income (annualized) (b)** | 6066 | 6030 | 5996 | 5828 | 5717 |
| Net interest income (FTE) (annualized) (c) | Net interest income (FTE) (annualized) (c) | 6082 | 6050 | 6016 | 5848 | 5741 |
| **Interest income** | **Interest income** | 2468 | 2519 | 2484 | 2432 | 2528 |
| Add: Taxable equivalent adjustment | Add: Taxable equivalent adjustment | 4 | 5 | 5 | 5 | 6 |
| Interest income (FTE) | Interest income (FTE) | 2472 | 2524 | 2489 | 2437 | 2534 |
| Interest income (FTE) (annualized) (d) | Interest income (FTE) (annualized) (d) | 9807 | 10014 | 9983 | 9883 | 10081 |
| **Interest expense (annualized) (e)** | **Interest expense (annualized) (e)** | 3725 | 3963 | 3967 | 4035 | 4340 |
| **Average interest-earning assets (f)** | **Average interest-earning assets (f)** | 194144 | 193500 | 192682 | 192808 | 193513 |
| **Average interest-bearing liabilities (g)** | **Average interest-bearing liabilities (g)** | 143518 | 143096 | 142913 | 144285 | 144771 |
| **Net interest margin (b) / (f)** | **Net interest margin (b) / (f)** | 3.12% | 3.12% | 3.11% | 3.02% | 2.95% |
| Net interest margin (FTE) (c) / (f) | Net interest margin (FTE) (c) / (f) | 3.13% | 3.13% | 3.12% | 3.03% | 2.97% |
| Net interest rate spread (FTE) (d) / (f) - (e) / (g) | Net interest rate spread (FTE) (d) / (f) - (e) / (g) | 2.45% | 2.41% | 2.40% | 2.33% | 2.21% |
| **Income before income taxes** | **Income before income taxes** | $912 | $837 | $808 | $653 | $764 |
| Add: Taxable equivalent adjustment | Add: Taxable equivalent adjustment | 4 | 5 | 5 | 5 | 6 |
| Income before income taxes (FTE) | Income before income taxes (FTE) | 916 | 842 | 813 | 658 | 770 |
| **Net income available to common shareholders** | **Net income available to common shareholders** | 699 | 608 | 591 | 478 | 582 |
| Add: Intangible amortization, net of tax | Add: Intangible amortization, net of tax | 5 | 5 | 5 | 6 | 7 |
| Tangible net income available to common shareholders (h) | Tangible net income available to common shareholders (h) | 704 | 613 | 596 | 484 | 589 |
| Tangible net income available to common shareholders (annualized) (i) | Tangible net income available to common shareholders (annualized) (i) | 2793 | 2432 | 2391 | 1963 | 2343 |
| **Average Bancorp shareholders**' **equity** | **Average Bancorp shareholders**' **equity** | 21527 | 21216 | 20670 | 20000 | 19893 |
| Less: | Average preferred stock | (1770) | (2112) | (2116) | (2116) | (2116) |
|  | Average goodwill | (4947) | (4937) | (4918) | (4918) | (4918) |
|  | Average intangible assets | (72) | (77) | (79) | (86) | (94) |
| Average tangible common equity, including AOCI (j) | Average tangible common equity, including AOCI (j) | 14738 | 14090 | 13557 | 12880 | 12765 |
| Less: | Average AOCI | 3137 | 3520 | 3935 | 4362 | 4292 |
| Average tangible common equity, excluding AOCI (k) | Average tangible common equity, excluding AOCI (k) | 17875 | 17610 | 17492 | 17242 | 17057 |
| **Total Bancorp shareholders**' **equity** | **Total Bancorp shareholders**' **equity** | 21724 | 21107 | 21124 | 20403 | 19645 |
| Less: | Preferred stock | (1770) | (1770) | (2116) | (2116) | (2116) |
|  | Goodwill | (4947) | (4947) | (4918) | (4918) | (4918) |
|  | Intangible assets | (69) | (76) | (75) | (82) | (90) |
| Tangible common equity, including AOCI (l) | Tangible common equity, including AOCI (l) | 14938 | 14314 | 14015 | 13287 | 12521 |
| Less: | AOCI | 3110 | 3276 | 3546 | 3895 | 4636 |
| Tangible common equity, excluding AOCI (m) | Tangible common equity, excluding AOCI (m) | 18048 | 17590 | 17561 | 17182 | 17157 |
| Add: | Preferred stock | 1770 | 1770 | 2116 | 2116 | 2116 |
| Tangible equity (n) | Tangible equity (n) | 19818 | 19360 | 19677 | 19298 | 19273 |
| **Total assets** | **Total assets** | 214376 | 212903 | 209991 | 212669 | 212927 |
| Less: | Goodwill | (4947) | (4947) | (4918) | (4918) | (4918) |
|  | Intangible assets | (69) | (76) | (75) | (82) | (90) |
| Tangible assets, including AOCI (o) | Tangible assets, including AOCI (o) | 209360 | 207880 | 204998 | 207669 | 207919 |
| Less: | AOCI, before tax | 4092 | 4311 | 4666 | 5125 | 5868 |
| Tangible assets, excluding AOCI (p) | Tangible assets, excluding AOCI (p) | $213452 | $212191 | $209664 | $212794 | $213787 |
| **Common shares outstanding (q)** | **Common shares outstanding (q)** | 661 | 661 | 668 | 667 | 670 |
| Tangible equity (n) / (p) | Tangible equity (n) / (p) | 9.28% | 9.12% | 9.39% | 9.07% | 9.02% |
| Tangible common equity (excluding AOCI) (m) / (p) | Tangible common equity (excluding AOCI) (m) / (p) | 8.46% | 8.29% | 8.38% | 8.07% | 8.03% |
| Tangible common equity (including AOCI) (l) / (o) | Tangible common equity (including AOCI) (l) / (o) | 7.14% | 6.89% | 6.84% | 6.40% | 6.02% |
| Tangible book value per share (including AOCI) (l) / (q) | Tangible book value per share (including AOCI) (l) / (q) | $22.60 | $21.66 | $20.98 | $19.92 | $18.69 |
| Tangible book value per share (excluding AOCI) (m) / (q) | Tangible book value per share (excluding AOCI) (m) / (q) | $27.30 | $26.61 | $26.29 | $25.76 | $25.61 |

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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) | December | September | December |
|  | 2025 | 2025 | 2024 |
| **Net income (r)** | $731 | $649 | $620 |
| **Net income (annualized) (s)** | 2900 | 2575 | 2467 |
| Adjustments (pre-tax items) |  |  |  |
| Interchange litigation matters | 11 | 27 | 55 |
| Non-qualified deferred compensation expense/(benefit) | (5) | 11 | (7) |
| Securities (gains)/losses | 5 | (10) | 8 |
| Litigation settlements | (12) |  |  |
| Merger-related expenses | 13 |  |  |
| FDIC special assessment | (25) | (6) | (11) |
| Fifth Third Foundation contribution | 50 |  | 15 |
| Adjustments, after-tax (t)<sup>(a)(b)</sup> | 31 | 16 | 47 |
| Adjustments (tax related items) |  |  |  |
| Benefit related to the resolution of certain tax matters | (7) |  | (15) |
| Adjustments (tax related items) (u) | (7) |  | (15) |
| **Noninterest income (v)** | 811 | 781 | 732 |
| Interchange litigation matters | 8 | 18 | 51 |
| Litigation settlements | (12) |  |  |
| Noninterest income excluding certain item(s) | 807 | 799 | 783 |
| Securities (gains)/losses | 5 | (10) | 8 |
| Adjusted noninterest income, excluding certain items and securities (gains)/losses (w) | 812 | 789 | 791 |
| **Noninterest expense (x)** | 1309 | 1267 | 1226 |
| Interchange litigation matters | (3) | (9) | (4) |
| Merger-related expenses | (13) |  |  |
| FDIC special assessment | 25 | 6 | 11 |
| Fifth Third Foundation contribution | (50) |  | (15) |
| Noninterest expense excluding certain item(s) | 1268 | 1264 | 1218 |
| Non-qualified deferred compensation (expense)/benefit | 5 | (11) | 7 |
| Adjusted noninterest expense, excluding certain items and non-qualified deferred compensation (y) | 1273 | 1253 | 1225 |
| Adjusted net income (r) + (t) + (u) | 755 | 665 | 652 |
| Adjusted net income (annualized) (z) | 2995 | 2638 | 2594 |
| Adjusted tangible net income available to common shareholders (h) + (t) + (u) | 728 | 629 | 621 |
| Adjusted tangible net income available to common shareholders (annualized) (aa) | 2888 | 2495 | 2470 |
| **Average assets (ab)** | $213021 | $211770 | $211709 |
| Return on average tangible common equity (i) / (j) | 19.0% | 17.3% | 18.4% |
| Return on average tangible common equity excluding AOCI (i) / (k) | 15.6% | 13.8% | 13.7% |
| Adjusted return on average tangible common equity, including AOCI (aa) / (j) | 19.6% | 17.7% | 19.3% |
| Adjusted return on average tangible common equity, excluding AOCI (aa) / (k) | 16.2% | 14.2% | 14.5% |
| **Return on average assets (s) / (ab)** | 1.36% | 1.21% | 1.17% |
| Adjusted return on average assets (z) / (ab) | 1.41% | 1.25% | 1.23% |
| Efficiency ratio (FTE) (x) / [(a) + (v)] | 55.8% | 54.9% | 56.4% |
| Adjusted efficiency ratio (y) / [(a) + (w)] | 54.3% | 54.1% | 54.8% |
| Total revenue (FTE) (a) + (v) | $2344 | $2306 | $2175 |
| Adjusted total revenue (FTE) (a) + (w) | $2345 | $2314 | $2234 |
| Pre-provision net revenue (PPNR) (a) + (v) - (x) | $1035 | $1039 | $949 |
| Adjusted pre-provision net revenue (PPNR) (a) + (w) - (y) | $1072 | $1061 | $1009 |
| *Totals may not foot due to rounding.* | *Totals may not foot due to rounding.* | *Totals may not foot due to rounding.* | *Totals may not foot due to rounding.* |
| *(a) Assumes a 23% tax rate in 2024 and a 24% tax rate in 2025.* | *(a) Assumes a 23% tax rate in 2024 and a 24% tax rate in 2025.* | *(a) Assumes a 23% tax rate in 2024 and a 24% tax rate in 2025.* | *(a) Assumes a 23% tax rate in 2024 and a 24% tax rate in 2025.* |
| *(b) A portion of the adjustments related to merger-related expenses are not tax-deductible.* | *(b) A portion of the adjustments related to merger-related expenses are not tax-deductible.* | *(b) A portion of the adjustments related to merger-related expenses are not tax-deductible.* | *(b) A portion of the adjustments related to merger-related expenses are not tax-deductible.* |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Fifth Third Bancorp and Subsidiaries** | | | | | |
| Segment Presentation<sup>(b)</sup> |  |  |  |  |  |
| $ in millions |  |  |  |  |  |
| (unaudited) |  |  |  |  |  |
| For the three months ended December 31, 2025 | **Commercial Banking** | **Consumer and Small Business Banking** | **Wealth** <br>**and Asset Management** | **General Corporate** <br>**and Other** | **Total** |
| Net interest income (FTE)<sup>(a)</sup> | $581 | $1026 | $52 | $(126) | $1533 |
| (Provision for) benefit from credit losses | (46) | (84) |  | 11 | (119) |
| Net interest income after (provision for) benefit from credit losses | 535 | 942 | 52 | (115) | 1414 |
| Noninterest income | 386 | 311 | 111 | 3 | 811 |
| Noninterest expense | (476) | (645) | (97) | (91) | (1309) |
| Income (loss) before income taxes (FTE)<sup>(a)</sup> | $445 | $608 | $66 | $(203) | $916 |
| For the three months ended September 30, 2025 | **Commercial Banking** | **Consumer and Small Business Banking** | **Wealth** <br>**and Asset Management** | **General Corporate** <br>**and Other** | **Total** |
| Net interest income (FTE)<sup>(a)</sup> | $594 | $1082 | $55 | $(206) | $1525 |
| (Provision for) benefit from credit losses | (246) | (73) |  | 122 | (197) |
| Net interest income after (provision for) benefit from credit losses | 348 | 1009 | 55 | (84) | 1328 |
| Noninterest income | 357 | 309 | 109 | 6 | 781 |
| Noninterest expense | (454) | (653) | (93) | (67) | (1267) |
| Income (loss) before income taxes (FTE)<sup>(a)</sup> | $251 | $665 | $71 | $(145) | $842 |
| For the three months ended June 30, 2025 | **Commercial Banking** | **Consumer and Small Business Banking** | **Wealth** <br>**and Asset Management** | **General Corporate** <br>**and Other** | **Total** |
| Net interest income (FTE)<sup>(a)</sup> | $595 | $1085 | $57 | $(237) | $1500 |
| (Provision for) benefit from credit losses | (79) | (84) | 2 | (12) | (173) |
| Net interest income after (provision for) benefit from credit losses | 516 | 1001 | 59 | (249) | 1327 |
| Noninterest income | 321 | 293 | 101 | 35 | 750 |
| Noninterest expense | (453) | (646) | (95) | (70) | (1264) |
| Income (loss) before income taxes (FTE)<sup>(a)</sup> | $384 | $648 | $65 | $(284) | $813 |
| For the three months ended March 31, 2025 | **Commercial Banking** | **Consumer and Small Business Banking** | **Wealth** <br>**and Asset Management** | **General Corporate** <br>**and Other** | **Total** |
| Net interest income (FTE)<sup>(a)</sup> | $552 | $975 | $49 | $(134) | $1442 |
| Provision for credit losses | (80) | (84) |  | (10) | (174) |
| Net interest income after provision for credit losses | 472 | 891 | 49 | (144) | 1268 |
| Noninterest income | 301 | 281 | 109 | 3 | 694 |
| Noninterest expense | (511) | (650) | (106) | (37) | (1304) |
| Income (loss) before income taxes (FTE)<sup>(a)</sup> | $262 | $522 | $52 | $(178) | $658 |
| 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 |
| *(a) Includes taxable equivalent adjustments of $4 million for the three months ended December 31, 2025, $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.*  | *(a) Includes taxable equivalent adjustments of $4 million for the three months ended December 31, 2025, $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.*  | *(a) Includes taxable equivalent adjustments of $4 million for the three months ended December 31, 2025, $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.*  | *(a) Includes taxable equivalent adjustments of $4 million for the three months ended December 31, 2025, $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.*  | *(a) Includes taxable equivalent adjustments of $4 million for the three months ended December 31, 2025, $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.*  | *(a) Includes taxable equivalent adjustments of $4 million for the three months ended December 31, 2025, $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.*  |
| *(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)

4Q25 Earnings Presentation January 20, 2026 Refer to earnings release dated January 20, 2026 for further information.

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![](fifththirdbancorppresent002.jpg)

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![](fifththirdbancorppresent003.jpg)© Fifth Third Bancorp \| All Rights Reserved For end note descriptions, see end note summary starting on page 42 Key Messages 3 Sustained operating momentum ahead of a strategically compelling combination with Comerica Focused execution across strategic priorities drives the strongest adjusted ROA1 in three years Continued expense discipline resulted in a 50 bps year-over-year improvement in the adjusted efficiency ratio1 Highest quarterly commercial loan production in over three years driven by investments in middle market sales force and corporate banking expertise

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![](fifththirdbancorppresent004.jpg)© Fifth Third Bancorp \| All Rights Reserved • Credit quality normalized with net charge-offs2 at 40 bps • Generated positive operating leverage for the 5th consecutive quarter driven by disciplined expense management and revenue growth • Tangible book value per share3 increased 21% • Generated consumer household growth of 2.5%, including 7% growth in the Southeast • Average consumer and commercial loans increased 6% and 4%, respectively • Strong profitability resulted in CET14 increasing to 10.77% Reported1 Adjusted1 EPS $1.04 $1.08 ROA 1.36% 1.41% ROE 14.0% 14.5% ROTCE 19.0% 19.6% NIM 3.13% 3.13% Efficiency ratio 55.8% 54.3% PPNR $1,035MM $1,072MM CET14 10.77% For end note descriptions, see end note summary starting on page 42 4Q25 highlights 4 Comparisons in the bullet points are for 4Q25 versus 4Q24, unless otherwise noted

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![](fifththirdbancorppresent005.jpg)© Fifth Third Bancorp \| All Rights Reserved $1.44 $1.44 $1.50 $1.53 $1.53 2.97% 3.03% 3.12% 3.13% 3.13% NII NIM 4Q24 1Q25 2Q25 3Q25 4Q25 NII $ in millions; NIM change in bps 3Q25 to 4Q25 NII & NIM walk T o ta l n et in te re st in co m e; $ b ill io ns Net interest income1 5 For end note descriptions, see end note summary starting on page 42 NII NIM 3Q25 $1,525 3.13% Market rates / Deposit betas (20) (4) Deposit growth 20 4 Securities / Wholesale funding 9 1 Other (1) (1) 4Q25 $1,533 3.13%

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![](fifththirdbancorppresent006.jpg)© Fifth Third Bancorp \| All Rights Reserved Year-over-year • Wealth and asset management revenue up 13% driven by continued AUM growth • Commercial payments revenue up 8% aided by strong momentum in Newline and DTS Connex Quarter-over-quarter • Commercial banking revenue up 17% driven by higher lease syndication and remarketing Noninterest income T o ta l n o ni nt er es t in co m e; $ m ill io ns For end note descriptions, see end note summary starting on page 42 6 $ millions 4Q25 PQ YoY Wealth and asset management revenue $185 2% 13% Commercial payments revenue 167 6% 8% Consumer banking revenue 143 (1)% 4% Capital markets fees 121 5% (2)% Commercial banking revenue 102 17% (6)% Mortgage banking net revenue 56 (3)% (2)% Other noninterest income 42 45% NM Securities (losses) gains, net (5) NM (38)% Noninterest income $811 4% 11% Impact of certain items 1 Adjusted noninterest income (excl. securities gains/losses, net)1,2 $812 3% 3% $732 $694 $750 $781 $811$791 $721 $735 $789 $812 Noninterest income Adjusted noninterest income (excl. securities gains/losses, net)¹² 4Q24 1Q25 2Q25 3Q25 4Q25

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![](fifththirdbancorppresent007.jpg)© Fifth Third Bancorp \| All Rights Reserved $1,226 $1,304 $1,264 $1,267 $1,309 $1,225\* $1,308\* $1,233\* $1,253\* $1,273\* 54.8% 60.5% 55.2% 54.1% 54.3% Adjusted noninterest expense¹\* Noninterest expense Adjusted Efficiency Ratio¹ 4Q24 1Q25 2Q25 3Q25 4Q25 T o ta l n o ni nt er es t ex p en se ; $ m ill io ns Noninterest expense 7 $ in millions 4Q25 3Q25 4Q24 Non-qualified deferred compensation expense/ (benefit), primarily offset in securities gains/losses ($5) $11 ($7) For end note descriptions, see end note summary starting on page 42 $ millions 4Q25 PQ YoY Compensation and benefits $683 — 3% Technology and communications 138 8% 12% Net occupancy expense 89 — 1% Equipment expense 43 (2)% 10% Loan and lease expense 41 5% 14% Card and processing expense 27 23% 29% Marketing expense 37 9% 61% Other noninterest expense 251 11% 9% Total noninterest expense $1,309 3% 7% Impact of certain items (41) Noninterest expense excluding certain item(s)1 $1,268 — 4% Non-qualified deferred compensation (expense)/benefit 5 Adjusted noninterest expense, excluding certain item(s)1 and non-qualified deferred compensation $1,273 2% 4% Year-over-year • Adjusted noninterest expense1 up 4% due to increases in compensation and benefits, technology and communications and marketing expense • Adjusted efficiency ratio1 of 54.3%, improved 50 bps Quarter-over-quarter • Adjusted noninterest expense1 up 2% driven by investments in technology and increases in card and processing expense 8\* $1,3 4

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![](fifththirdbancorppresent008.jpg)© Fifth Third Bancorp \| All Rights Reserved Solar energy installation Average loans $117.9 $121.3 $123.1 $123.3 $123.4 $72.0 $74.7 $75.4 $74.9 $74.6 $45.9 $46.6 $47.7 $48.4 $48.8 6.18% 6.06% 6.11% 6.12% 5.96% Commercial Consumer Total loan yield 4Q24 1Q25 2Q25 3Q25 4Q25 $119.8 $122.2 $122.4 $123.1 $122.7 $73.3 $75.1 $74.2 $74.4 $73.6 $46.5 $47.1 $48.2 $48.7 $49.1 Commercial Consumer 4Q24 1Q25 2Q25 3Q25 4Q25 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: 60% Consumer: 40%

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![](fifththirdbancorppresent009.jpg)© Fifth Third Bancorp \| All Rights Reserved 4.50% 4.50% 4.50% 4.25% 3.75% 2.04% 1.84% 1.80% 1.81% 1.71% Fed Funds Rate Total Cost of Deposits 4Q24 1Q25 2Q25 3Q25 4Q25 Total cost of deposits Total deposit mixAverage deposit balances $167.2 $164.2 $163.6 $164.8 $168.4 $164.7 $161.8 $161.4 $162.5 $166.4 2.68% 2.42% 2.39% 2.41% 2.28% Core Deposits CDs > $250K Total interest-bearing deposit costs 4Q24 1Q25 2Q25 3Q25 4Q25 $ in billions Demand, 25% Interest checking, 35% Money market and savings, 33% Time deposits, 7% $ in billions $168B Average Deposits $164.7 $161.8 $161.4 $162.5 $166.4 $124.6 $122.0 $120.5 $121.3 $124.7 $40.1 $39.8 $40.9 $41.2 $41.8 24.3% 24.6% 25.3% 25.4% 25.1% Interest-Bearing $ Non Interest-Bearing $ Non Interest-Bearing % 4Q24 1Q25 2Q25 3Q25 4Q25 Non interest-bearing to core deposit trend (average) $ in billions Deposits Note: Totals shown above may not foot due to rounding 9

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![](fifththirdbancorppresent010.jpg)© Fifth Third Bancorp \| All Rights Reserved Net charge-offs (NCOs) $136 $136 $139 $339 $125 $136 $136 $139 $339 4Q24 1Q25 2Q25 3Q25 4Q25 Credit quality overview 10 4Q24 1Q25 2Q25 3Q25 4Q25 NPL ratio 0.69% 0.79% 0.70% 0.62% 0.62% NPA ratio1 0.71% 0.81% 0.72% 0.65% 0.65% 30-89 days past due as a % of portfolio loans and leases 0.25% 0.31% 0.23% 0.28% 0.29% NCO ratio 0.46% 0.46% 0.45% 1.09% 0.40% ACL ratio as a % of portfolio loans and leases 2.08% 2.07% 2.09% 1.96% 1.96% Nonperforming loans (NPLs) $823 $966 $853 $768 $767 4Q24 1Q25 2Q25 3Q25 4Q25 Portfolio loans & leases 30-89 days past due $303 $385 $277 $348 $360 4Q24 1Q25 2Q25 3Q25 4Q25 $ in millions For end note descriptions, see end note summary starting on page 42

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![](fifththirdbancorppresent011.jpg)© Fifth Third Bancorp \| All Rights Reserved 4Q16 4Q17 4Q18 4Q19 4Q20 4Q21 4Q22 4Q23 4Q24 4Q25 0.00% 0.50% 1.00% 1.50% Historical net charge-off and NPA ratios Net charge-off ratio Non-performing assets ratio2 4Q16 4Q17 4Q18 4Q19 4Q20 4Q21 4Q22 4Q23 4Q24 4Q25 0.00% 0.50% 1.00% 1.50% Commercial net charge-off ratio 4Q16 4Q17 4Q18 4Q19 4Q20 4Q21 4Q22 4Q23 4Q24 4Q25 0.00% 0.50% 1.00% 1.50% 4Q16 4Q17 4Q18 4Q19 4Q20 4Q21 4Q22 4Q23 4Q24 4Q25 0.00% 0.50% 1.00% 1.50% Consumer net charge-off ratio 4Q25 0.27% 4Q25 0.40% 4Q25 0.65% 4Q25 0.59% 10-year average excluding COVID1 10-year average excluding COVID1 10-year average excluding COVID1 10-year average excluding COVID1 For end note descriptions, see end note summary starting on page 42 11

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![](fifththirdbancorppresent012.jpg)© Fifth Third Bancorp \| All Rights Reserved 10.57% ~42 bps (~7 bps) ~0 bps (~16 bps) ~1 bps 10.77% 3Q25 Net income to common RWA Share repurchases Common dividends Other 4Q25 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 42; totals shown above may not foot due to rounding Liquidity Sources 9/30/25 12/31/25 Fed reserves $17 $18 Unpledged investment securities $21 $20 Available FHLB borrowing capacity $9 $13 Current Fed discount window availability $61 $61 Total $107 $111 • Maintained full Category 1 LCR compliance during the quarter, ending at 123% • Loan-to-core deposit ratio of 72% • 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 10.6% 10.4% 10.6% 10.6% 10.8% 8.1% 8.3% 8.6% 8.8% 9.1% Reported CET1 Ratio CET1 inclusive of AOCI 4Q24 1Q25 2Q25 3Q25 4Q25

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![](fifththirdbancorppresent013.jpg)© Fifth Third Bancorp \| All Rights Reserved As of January 20, 2026; please see cautionary statements on page 2. Current expectations1 FY 2026 compared to FY 2025 13 For end note descriptions, see end note summary starting on page 42 FITB + CMA (assumes 2/1/26 close date) Avg. loans & leases (Including HFS) mid-$170s billion Net interest income2 (FY25 baseline: $6.002 billion) $8.6 - $8.8 billion assumes 12/31/26 Fed funds rate of 3.25% and includes the impact of purchase accounting accretion Noninterest income2 (FY25 baseline: $3.057 billion; excludes securities g/l) $4.0 - $4.4 billion Noninterest expense2 (FY25 baseline: $5.067 billion; excludes the market-to-market impact of non-qualified deferred compensation) $7.0 - $7.3 billion excludes the impact of anticipated CDI amortization and acquisition related charges Net charge-off ratio 30 - 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 3.14 3.17 3.19 3.19 4Q24 1Q25 2Q25 3Q25 4Q25 Digital Engagement Digital Originations Average Active Mobile Users (Millions) 2.37 2.40 2.43 2.47 2.49 4Q24 1Q25 2Q25 3Q25 4Q25 Digital Assisted Mortgage Applications 97% 98% 97% 98% 98% 4Q24 1Q25 2Q25 3Q25 4Q25 New Consumer Deposit Accounts 28% 27% 28% 28% 31% 4Q24 1Q25 2Q25 3Q25 4Q25 Consumer Satisfaction #1 for banking mobile app user satisfaction among regional banks 15 For end note descriptions, see end note summary starting on page 42 1 2 Average app store rating of 4.8 stars vs peer average of 4.6 stars

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![](fifththirdbancorppresent016.jpg)© Fifth Third Bancorp \| All Rights Reserved 23% 21% 19% 14% 11% 7% 5% Strategic investments resulting in fee diversification and growth • Total adjusted fee revenue1 accounted for ~34% of total adjusted revenue for the last twelve months ending 12/31/25 • 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 4Q25 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 4Q25 adjusted noninterest income as a percent of adjusted revenue2, unless otherwise noted LTM 4Q25 adjusted noninterest income $3.06B 34% 29% LTM 3Q25 Peer Median For end note descriptions, see end note summary starting on page 42

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![](fifththirdbancorppresent017.jpg)© Fifth Third Bancorp \| All Rights Reserved $72.0 $74.7 $75.4 $74.9 $74.6$73.3 $75.1 $74.2 $74.4 $73.6 Average Period-end 4Q24 1Q25 2Q25 3Q25 4Q25 4Q24 3Q25 4Q25 NCO ratio1 0.32% 1.46% 0.27% 30-89 delinquencies 0.07% 0.16% 0.15% 90+ delinquencies 0.01% 0.00% 0.00% Nonperforming loans2 0.62% 0.58% 0.58% Portfolio loans and leases $ in billions Key statistics Total commercial portfolio overview Average QoQ change 0.3% 3.8% 1.0% (0.7%) (0.4%) Period-end QoQ change 3.0% 2.5% (1.3%) 0.4% (1.2%) Commercial portfolio mix 72% 17% 7% 4% C&I Commercial mortgage Commercial construction Commercial leases For end note descriptions, see end note summary starting on page 42; totals shown above may not foot due to rounding 17

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![](fifththirdbancorppresent018.jpg)© Fifth Third Bancorp \| All Rights Reserved $51.6 $53.4 $54.1 $54.2 $53.9$52.3 $53.7 $53.3 $53.9 $52.7 Average Period-end 4Q24 1Q25 2Q25 3Q25 4Q25 18 Key statistics Revolving line utilization trend3 Commercial and industrial overview 35.6% 35.3% 35.5% 36.1% 35.5% 36.2% 37.0% 36.5% 36.7% 34.9% 3Q23 4Q23 1Q24 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25 Portfolio loans $ in billions Average QoQ change (0.1%) 3.6% 1.3% 0.2% (0.4%) Period-end QoQ change 2.7% 2.7% (0.7%) 1.2% (2.2%) For end note descriptions, see end note summary starting on page 42; totals shown above may not foot due to rounding 4Q24 3Q25 4Q25 NCO ratio1 0.42% 2.01% 0.32% 30-89 delinquencies 0.05% 0.08% 0.19% 90+ delinquencies 0.01% 0.00% 0.00% Nonperforming loans2 0.72% 0.73% 0.75%

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![](fifththirdbancorppresent019.jpg)© Fifth Third Bancorp \| All Rights Reserved 19 Note: Totals shown above may not foot due to rounding Non-depository financial institution portfolio 31% 27% 18% 12% 11% 2% NDFI portfolio characteristics 4Q25 $9.5B¹ 8% of loans $ in billions; as of 12/31/25 • 4th lowest exposure to NDFIs among peers2 • NDFI portfolio declined 7% from 3Q25 • Zero losses in last 10 years across Real Estate, Subscription Lines and Private Capital Warehouse • 88% of the NDFI portfolio is investment grade or equivalent • 4Q25 criticized rate of ~60 bps • Balanced, deliberate portfolio composition with strong collateral and structural protections Consumer Warehouse Consumer Finance Securitization Vehicles Other Real Estate Institutional CRE, Residential Mortgage Warehouse, Mortgage Servicing Rights Private Capital Warehouse Fund Finance, SBIC, BDC Subscription Lines Capital Call Facilities Corporate Credit Facilities Payments, Insurance, Financial Intermediaries Relationship focused main street lender with lower NDFI exposure

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![](fifththirdbancorppresent020.jpg)© Fifth Third Bancorp \| All Rights Reserved Retail 18% Financial Services 16% Rental and Leasing 15%TMT 10% Business Services 8% Wholesale Trade 8% Manufacturing 8% Other 18% 20 High quality Shared National Credit portfolio SNC portfolio $31.9BN ~26% of total loans Shared National Credit portfolio is well diversified Industry mix Key statistics For end note descriptions, see end note summary starting on page 42; totals shown above may not foot due to rounding $ in billions; as of 12/31/25 • Reduced balances 3% compared to 4Q23 • ~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 4Q24 3Q25 4Q25 Loan balance $32.2 $32.2 $31.9 Nonperforming loans2 0.67% 0.72% 0.64% NCO Ratio1 0.55% 0.57% 0.09%

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![](fifththirdbancorppresent021.jpg)© Fifth Third Bancorp \| All Rights Reserved 21 Low concentration in leveraged lending Note: Totals shown above may not foot due to rounding Total Loan Portfolio Composition Leveraged 2.1% Accommodation & Food Services Arts, Entertainment, and Recreation Wholesale Trade Manufacturing Information Professional, Scientific, and Technical Services Retail Trade Admin, Support & Other Services Healthcare & Other Social Assistance Finance & Insurance Other Diversified Leveraged Portfolio Total Loans $123.4 Billion $2.6 Billion • Significant reduction in leveraged lending portfolio as a percent of total loans – Represents ~2% of loans vs ~8% in 2015 • Leveraged criticized assets are 17% below the 5- year average as of 12/31/25 as of 12/31/25

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![](fifththirdbancorppresent022.jpg)© Fifth Third Bancorp \| All Rights Reserved Portfolio loans 40% 22% 18% 7% 5% 5%3% 50%50% 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 20% Multifamily 20% Medical Office 16% Office 11% Industrial 7% Non-owner occupied property type mix $17.5 $18.2 $18.2 $17.6 $17.5$17.8 $18.3 $17.7 $17.3 $17.5 $5.7 $5.8 $5.8 $5.5 $5.4 $11.8 $12.4 $12.4 $12.0 $12.1 $5.6 $6.0 $5.6 $5.3 $5.3 $12.2 $12.4 $12.1 $11.9 $12.2 4Q24 1Q25 2Q25 3Q25 4Q25 22 Other 4% For end note descriptions, see end note summary starting on page 42; totals shown above may not foot due to rounding Period-end QoQ change 2.8% 2.7% (3.5%) (2.3%) 1.7% $ in billions Average QoQ change 0.1% 3.8% 0.3% (3.6%) (0.5%) 4Q24 3Q25 4Q25 NCO ratio1 0.00% 0.03% 0.14% 30-89 delinquencies 0.05% 0.37% 0.01% 90+ delinquencies 0.00% 0.00% 0.01% Nonperforming loans2 0.45% 0.24% 0.19% Key statistics Period-end - Commercial mortgageAverage - Commercial mortgage Period-end - Commercial constructionAverage - Commercial construction Multifamily

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![](fifththirdbancorppresent023.jpg)© Fifth Third Bancorp \| All Rights Reserved Period-end QoQ change 2.1% 1.2% 2.5% 1.0% 0.8% $45.9 $46.6 $47.7 $48.4 $48.8 $46.5 $47.1 $48.2 $48.7 $49.1 4Q24 1Q25 2Q25 3Q25 4Q25 15% 16% 66% 4Q24 3Q25 4Q25 NCO ratio1 0.68% 0.52% 0.59% 30-89 delinquencies 0.54% 0.47% 0.51% 90+ delinquencies 0.06% 0.06% 0.06% Nonperforming loans2 0.79% 0.68% 0.69% Weighted average FICO at origination3 767 768 768 Weighted average LTV at origination 79% 79% 80% Total consumer portfolio overview 23 Portfolio FICO score at origination3 $ in billions Portfolio loans 2% For end note descriptions, see end note summary starting on page 42; totals shown above may not foot due to rounding Average QoQ change 1.9% 1.5% 2.3% 1.6% 0.9% Key statistics 750+720-749<660 660-719 Period-endAverage

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![](fifththirdbancorppresent024.jpg)© Fifth Third Bancorp \| All Rights Reserved Period-end QoQ change 2.2% 0.2% 0.6% (0.2%) —% Average QoQ change 1.7% 1.3% 0.4% 0.2% —% 12% 15% 70% Weighted average FICO at origination3 764 764 764 Weighted average LTV at origination 74% 74% 75% Residential mortgage overview 24 $17.3 $17.6 $17.6 $17.7 $17.7$17.5 $17.6 $17.7 $17.6 $17.7 4Q24 1Q25 2Q25 3Q25 4Q25 3% For end note descriptions, see end note summary starting on page 42; totals shown above may not foot due to rounding $ in billions Portfolio loans 4Q24 3Q25 4Q25 NCO ratio1 (0.01%) (0.02%) (0.01%) 30-89 delinquencies 0.19% 0.18% 0.19% 90+ delinquencies 0.03% 0.06% 0.06% Nonperforming Loans2 0.78% 0.80% 0.84% Key statistics 750+720-749<660 660-719 Portfolio FICO score at origination3 Period-endAverage

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![](fifththirdbancorppresent025.jpg)© Fifth Third Bancorp \| All Rights Reserved 18% 15% 66% $4.1 $4.2 $4.4 $4.6 $4.8 $4.2 $4.3 $4.5 $4.7 $4.8 4Q24 1Q25 2Q25 3Q25 4Q25 Weighted average FICO at origination3 769 771 772 Weighted average LTV at origination 66% 65% 65% Home equity overview 25 1% For end note descriptions, see end note summary starting on page 42; totals shown above may not foot due to rounding Period-end QoQ change 2.8% 1.8% 5.2% 4.3% 3.6% Average QoQ change 2.7% 2.4% 3.8% 4.5% 4.1% $ in billions Portfolio loans Period-endAverage 750+720-749<660 660-719 Portfolio FICO score at origination3 4Q24 3Q25 4Q25 NCO ratio1 (0.01%) (0.05%) 0.06% 30-89 delinquencies 0.60% 0.45% 0.52% 90+ delinquencies 0.00% 0.00% 0.00% Nonperforming loans2 1.67% 1.54% 1.47% Key statistics

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![](fifththirdbancorppresent026.jpg)© Fifth Third Bancorp \| All Rights Reserved 84% 16% 17% 17% 65% Indirect secured consumer overview 26 Portfolio FICO score at origination \*Includes primarily RV & Marine $16.1 $16.5 $17.2 $17.7 $17.9 $16.3 $16.8 $17.6 $17.9 $18.0 4Q24 1Q25 2Q25 3Q25 4Q25 1% Weighted average FICO at origination 772 774 774 Weighted average LTV at origination 88% 88% 88% For end note descriptions, see end note summary starting on page 42; totals shown above may not foot due to rounding Period-end QoQ change 2.3% 3.0% 4.7% 1.7% 0.4% Average QoQ change 2.7% 2.3% 4.7% 2.8% 0.8% $ in billions Portfolio loans Period-endAverage 4Q24 3Q25 4Q25 NCO ratio1 0.66% 0.40% 0.59% 30-89 delinquencies 0.80% 0.68% 0.72% 90+ delinquencies 0.00% 0.00% 0.00% Nonperforming loans2 0.34% 0.34% 0.34% Key statistics 750+720-749<660 660-719 Portfolio FICO score at origination Auto Specialty Lending\*

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![](fifththirdbancorppresent027.jpg)© Fifth Third Bancorp \| All Rights Reserved 27% 19% 49% Credit card overview 27 $1.7 $1.6 $1.7 $1.7 $1.7$1.7 $1.7 $1.7 $1.7 $1.7 4Q24 1Q25 2Q25 3Q25 4Q25 Weighted average FICO at origination3 744 743 743 5% Period-end QoQ change 1.8% (4.3%) 2.8% (0.9%) 3.3% Average QoQ change (2.3%) (2.5%) 2.0% 1.1% 1.0% $ in billions Portfolio loans For end note descriptions, see end note summary starting on page 42; totals shown above may not foot due to rounding Period-endAverage 4Q24 3Q25 4Q25 NCO ratio1 4.00% 3.70% 3.62% 30-89 delinquencies 1.04% 1.00% 1.03% 90+ delinquencies 1.15% 0.95% 0.97% Nonperforming loans2 1.85% 1.71% 1.66% Key statistics Portfolio FICO score at origination3 750+720-749<660 660-719

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![](fifththirdbancorppresent028.jpg)© Fifth Third Bancorp \| All Rights Reserved $4.1 $4.2 $4.3 $4.4 $4.5 $4.2 $4.3 $4.3 $4.4 $4.6 4Q24 1Q25 2Q25 3Q25 4Q25 14% 20% 66% Weighted average FICO at origination 772 771 771 Solar energy installation overview 28 For end note descriptions, see end note summary starting on page 42; totals shown above may not foot due to rounding Period-end QoQ change 3.0% 1.4% 1.3% 2.7% 2.9% Average QoQ change 3.7% 2.0% 1.1% 2.0% 3.0% $ in billions Portfolio loans 4Q24 3Q25 4Q25 NCO ratio1 1.64% 1.47% 1.45% 30-89 delinquencies 0.48% 0.43% 0.57% 90+ delinquencies 0.00% 0.00% 0.00% Nonperforming loans2 1.52% 0.50% 0.48% Key statistics Period-endAverage Portfolio FICO score at origination 750+720-749660-719

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![](fifththirdbancorppresent029.jpg)© Fifth Third Bancorp \| All Rights Reserved Allowance for credit losses 29 For end note descriptions, see end note summary starting on page 42; totals shown above may not foot due to rounding Allowance for loan & lease losses Amount % of portfolio loans & leases 3Q25 4Q24 Commercial and industrial loans $816 1.55% 0.01% 0.16% Commercial mortgage loans 272 2.22% 0.00% (0.65%) Commercial construction loans 80 1.50% 0.19% 0.44% Commercial leases 18 0.55% (0.01)% 0.05 Total commercial loans and leases $1,186 1.61% 0.02% 0.04% Residential mortgage loans 109 0.62% (0.13) (0.21%) Home equity 87 1.80% (0.29%) (0.73%) Indirect secured consumer loans 304 1.69% 0.02% (0.22%) Credit card 150 8.59% 0.02% (0.93%) Solar energy installation loans 314 6.89% 0.12% (1.46%) Other consumer loans 103 4.44% (0.11%) (0.29%) Total consumer loans 1,067 2.17% (0.05%) (0.41%) Allowance for loan & lease losses 2,253 1.84% —% (0.12%) Reserve for unfunded commitments1 157 Allowance for credit losses $2,410 1.96% —% (0.12%) Compared to: Allocation of allowance by product $ in millions 4Q25 Change in rate

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![](fifththirdbancorppresent030.jpg)© Fifth Third Bancorp \| All Rights Reserved NPL1 rollforward 30 For end note descriptions, see end note summary starting on page 42; totals shown above may not foot due to rounding 4Q24 1Q25 2Q25 3Q25 4Q25 Balance, beginning of period $334 $456 $623 $508 $435 Transfers to nonaccrual status 240 273 63 266 138 Transfers to accrual status (1) (3) (1) — (1) Transfers to held for sale (5) (17) (24) (1) (44) Loan paydowns/payoffs (49) (19) (70) (63) (34) Transfer to OREO — — — — (1) Charge-offs (63) (67) (90) (282) (68) Draws/other extensions of credit — — 7 7 2 Balance, end of period $456 $623 $508 $435 $427 4Q24 1Q25 2Q25 3Q25 4Q25 Balance, beginning of period $352 $367 $343 $345 $333 Transfers to nonaccrual status 101 109 95 88 104 Transfers to accrual status (13) (48) (26) (19) (20) Transfers to held for sale — — — — — Loan paydowns/payoffs (25) (30) (27) (38) (31) Transfer to OREO (7) (5) (5) (7) (5) Charge-offs (43) (52) (37) (37) (42) Draws/other extensions of credit 2 2 2 1 1 Balance, end of period $367 $343 $345 $333 $340 Commercial $ in millions Consumer $ in millions Total NPL $823 $966 $853 $768 $767 Total new nonaccrual loans - HFI 341 382 158 354 242 Total NPL $ in millions

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![](fifththirdbancorppresent031.jpg)© Fifth Third Bancorp \| All Rights Reserved Balance sheet positioning 31 For end note descriptions, see end note summary starting on page 42; totals shown above may not foot due to rounding C&I 29% Fix \| 71% Variable Coml. mortgage 42% Fix \| 58% Variable Coml. construction 25% Fix \| 75% Variable Coml. lease 100% Fix \| 0% Variable 33% 55% 12% 72% 17% 7% 4% • 52% allocation to bullet/locked- out cash flow securities • AFS & HTM spot yield: 3.20% • AFS net unrealized pre-tax loss: $3.0BN $25.2BN fixed \| $48.3BN variable1,2 Commercial loans1,2 Investment portfolioConsumer loans1 Long-term debt3 $42.1BN fixed \| $7.0BN variable1 $9.1BN fixed \| $4.5BN variable3 • 1M based: 41%4,7 • 3M based: 7%4,7 • Prime & O/N based: 16%4,7 • Other based: 1%4,6,7 • Weighted avg. life: 1.8 years1 • 1M based: 1%5,7 • Prime: 12%5 • Other based: 1%5,7,8 • Weighted avg. life: 3.7 years1 • SOFR based: 33% • Weighted avg. life: 3.5 years Includes $3.0BN non-agency CMBS (All super-senior, AAA-rated securities; 59% WA LTV, ~34% WA credit enhancement) 36% 36% 10% 14% 4% 70% 13% 3% 14% The information above incorporates the impact of $6.85BN in C&I receive-fixed swaps, $4.00BN in CRE receive-fixed swaps2, and ~$4.21BN 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 86% Fix \| 14% Variable Level 2A 99% Fix \| 1% Variable Non-HQLA/ Other 91% Fix \| 9% Variable Senior debt 60% Fix \| 40% Variable Sub debt 58% Fix \| 42% Variable Auto securiz. proceeds 100% Fix \| 0% Variable Other 97% Fix \| 3% Variable

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![](fifththirdbancorppresent032.jpg)© Fifth Third Bancorp \| All Rights Reserved Managing rate risk against conservative outcomes 32 For end note descriptions, see end note summary starting on page 42; totals shown above may not foot due to rounding Estimated NII sensitivity profile and ALCO policy limits Estimated NII beta sensitivity Rate risk models assume approximately 70-75% 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 December 31, 2025: • 45% of HFI loans were variable rate net of existing hedges (66% of total commercial; 14% of total consumer) • Short-term borrowings represent less than 1% of total funding • Approximately $10.7BN in non-core funding matures beyond one year % Change NII (FTE) ALCO policy limit Change in interest rates (bps) 12 months 13 to 24 months 12 months 13 to 24 months +200 Ramp over 12 months (3.1%) (2.3%) (6.0%) (7.0%) +100 Ramp over 12 months (1.4%) (0.6%) NA NA -100 Ramp over 12 months 0.4% (1.8%) NA NA -200 Ramp over 12 months (0.1%) (6.6%) (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 (3.9%) (3.8%) (2.2%) (0.5%) +100 Ramp over 12 months (1.8%) (1.4%) (0.9%) 0.3% -100 Ramp over 12 months 0.8% (1.1%) —% (2.6%) -200 Ramp over 12 months 0.7% (5.2%) (0.9%) (8.1%) 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 (3.9%) (3.2%) (2.3%) (1.4%) +100 Ramp over 12 months (2.1%) (1.3%) (0.7%) 0.2% -100 Ramp over 12 months (0.1%) (2.2%) 0.9% (1.4%) -200 Ramp over 12 months (0.5%) (6.8%) 0.4% (6.3%)

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![](fifththirdbancorppresent033.jpg)© Fifth Third Bancorp \| All Rights Reserved 33 Investment portfolio composition Investment portfolio characteristics Held-to-maturity portfolio • $11.4BN portfolio • Reclassification during 1Q24 aimed to de-risk potential AOCI volatility to capital under proposed capital rules • Securities selected for HTM meet Reg YY eligibility and inclusion requirements Available-for-sale portfolio • $39.1BN portfolio • $3.0BN 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 ~59% – Credit risk team analyzes transactions at the underlying property- level, similar to what we do for all our CRE loan commitments HTM 23% AFS 77% AFS and HTM portfolio; amortized cost basis; as of 12/31/25 Amortized cost basis; as of 12/31/25 Securities mix Agency CMBS Agency RMBS Non- agency CMBS Treasuries Other Effective duration HTM 34% 44% — 21% — 5.1 AFS 57% 23% 8% 4% 8% 3.8 Total 52% 28% 6% 8% 6% 4.1 Securities portfolio Securities portfolio $50BN ~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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![](fifththirdbancorppresent034.jpg)© Fifth Third Bancorp \| All Rights Reserved 10-year treasury yield ($5.8) ($4.0) ($3.5) ($3.3) ($3.0) ($2.8) 9/30/23 12/31/24 3/31/25 6/30/25 9/30/25 12/31/25 Projected AOCI accretion ($2.3) ($2.0) ($1.7) ($1.4) 12/31/26E 12/31/27E 12/31/28E 12/31/29E Securities portfolio AOCI accretion 34 $ in billions; 12/31/25 AFS and HTM portfolio unrealized loss, after-tax ~40% capital accretion ~20% capital accretion Historical AOCI accretion ~52% capital accretion since 3Q23 AOCI accretion1 assuming implied forward curve2 4.2%4.6% 4.2% 4.2% 4.2% For end note descriptions, see end note summary starting on page 42; totals shown above may not foot due to rounding 4.6%

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![](fifththirdbancorppresent035.jpg)© Fifth Third Bancorp \| All Rights Reserved $14.83 $17.64 $18.69 $22.60 $23.46 $23.87 $24.32 3.88% 3.88% 4.58% 4.20% 4.4% 4.6% 4.8% TBV/S AOCI accretion 10-year treasury yield 12/31/2022 12/31/2023 12/31/2024 12/31/2025 12/31/2026 12/31/2027 12/31/2028 Balance sheet positioned to grow tangible book value per share 35 TBV/share1 will improve due to AOCI accretion alone Projected TBV/share growth includes no earnings contribution from 2026-20282 For end note descriptions, see end note summary starting on page 42 Actuals Forecast +19% +6% +21% +2% +2% Projected growth from AOCI burndown alone1 +4%

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![](fifththirdbancorppresent036.jpg)© Fifth Third Bancorp \| All Rights Reserved 3.26% $11 $9 $8 $8 $5 4Q25 4Q30 2Q31 3Q31 4Q31 Cash flow hedges Receive-fixed swaps1 EOP notional value of cash flow hedges ($ in billions) Actual 36 Existing receive-fixed swaps2 Weighted average receive fixed rate 3.29% 3.31% 3.32% 3.44%3 For end note descriptions, see end note summary starting on page 42

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![](fifththirdbancorppresent037.jpg)© Fifth Third Bancorp \| All Rights Reserved $17 $14 $19 $22 $22 $75 $74 $73 $73 $73 $3 $3 $5 $3 $3 ($38) ($34) ($41) ($40) ($42) $57 $57 $56 $58 $56 Origination fees and gains on loan sale Gross servicing fees Net MSR Valuation MSR decay 4Q24 1Q25 2Q25 3Q25 4Q25 Mortgage banking results $ in millions Mortgage banking net revenue Mortgage originations and margins $ in billions Rate lock margin represents gains recorded associated with salable rate locks divided by salable rate locks. Gain-on-sale margin represents gains on all loans originated for sale divided by salable originations. 37 $1.9 $1.4 $2.0 $1.9 $2.2 $1.2 $0.9 $1.3 $1.4 $1.6 $0.6 $0.5 $0.7 $0.6 $0.6 Originations HFI Originations HFS 4Q24 1Q25 2Q25 3Q25 4Q25 Note: Totals shown above may not foot due to rounding Rate lock margin 0.98% 1.46% 1.23% 1.28% 1.16% Gain-on-sale margin 1.00% 1.31% 1.17% 1.33% 1.17% Mortgage banking net revenue $57 $57 $56 $58 $56

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![](fifththirdbancorppresent038.jpg)© Fifth Third Bancorp \| All Rights Reserved Preferred dividend schedule 1Q26 2Q26 3Q26 4Q26 Series H ~$10 ~$10 ~$10 ~$10 Series I ~$9 ~$9 ~$9 ~$8 Series J ~$5 ~$5 ~$5 ~$5 Series K ~$3 ~$3 ~$3 ~$3 Series M3 ~$7 ~$7 ~$7 ~$7 Class B Series A ~$3 ~$3 ~$3 ~$3 Total ~$37 ~$37 ~$37 ~$36 Upcoming preferred dividend schedule1 $ in millions 38 Floating2 Floating2 Floating2 For end note descriptions, see end note summary starting on page 42; totals shown above may not foot due to rounding

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![](fifththirdbancorppresent039.jpg)© Fifth Third Bancorp \| All Rights Reserved 4Q25 reported EPS of $1.04 included a net negative $0.04 impact from the following notable item(s): • $50 million pre-tax (~$38 million after-tax2) charge related to Fifth Third Foundation contribution expense • $25 million pre-tax (~$19 million after-tax2) benefit related to the FDIC special assessment • $13 million pre-tax (~$13 million after-tax2,3) charge related to merger-related expenses • $12 million pre-tax (~$9 million after-tax2) benefit related to litigation settlements • $11 million pre-tax (~$8 million after-tax2) charge related to interchange litigation matters • $7 million benefit related to the resolution of certain tax matters 4Q25 adjustments and notable items Adjusted EPS of $1.081 39 For end note descriptions, see end note summary starting on page 42

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![](fifththirdbancorppresent040.jpg)© Fifth Third Bancorp \| All Rights Reserved Fifth Third Bancorp and Subsidiaries For the three months ended For the year ended $ and shares in millions (unaudited) December September June March December 2025 2025 2025 2025 2024 2025 Net income (U.S. GAAP) (a) $731 $649 $628 $515 $620 $2,522 Net income (U.S. GAAP) (annualized) (b) $2,900 $2,575 $2,519 $2,089 $2,467 $2,522 Net income available to common shareholders (U.S. GAAP) (c) $699 $608 $591 $478 $582 $2,376 Add: Intangible amortization, net of tax 5 5 5 6 7 22 Tangible net income available to common shareholders (d) $704 $613 $596 $484 $589 $2,398 Tangible net income available to common shareholders (annualized) (e) $2,793 $2,432 $2,391 $1,963 $2,343 $2,398 Net income available to common shareholders (annualized) (f) $2,773 $2,412 $2,371 $1,939 $2,315 $2,376 Average Bancorp shareholders' equity (U.S. GAAP) (g) $21,527 $21,216 $20,670 $20,000 $19,893 $20,858 Less: Average preferred stock (h) (1,770) (2,112) (2,116) (2,116) (2,116) (2,028) Average goodwill (4,947) (4,937) (4,918) (4,918) (4,918) (4,930) Average intangible assets and other servicing rights (72) (77) (79) (86) (94) (79) Average tangible common equity (i) $14,738 $14,090 $13,557 $12,880 $12,765 $13,821 Less: Average accumulated other comprehensive income ("AOCI") 3,137 3,520 3,935 4,362 4,292 3,734 Average tangible common equity, excluding AOCI (j) $17,875 $17,610 $17,492 $17,242 $17,057 $17,555 Adjustments (pre-tax items) Interchange litigation matters 11 27 1 18 55 57 Severance expense — — 15 — — 15 Non-qualified deferred compensation expense/(benefit) (5) 11 16 (4) (7) 18 Securities (gains)/losses 5 (10) (16) 9 8 (12) Litigation settlements (12) — — — — (12) Merger-related expenses 13 — — — — 13 FDIC special assessment (25) (6) — — (11) (31) Fifth Third Foundation contribution 50 — — — 15 50 Adjustments - after-tax1 (k) $31 $16 $12 $18 $47 $75 Adjustments (tax related items) Benefit related to the resolution of certain tax matters (7) — — — (15) (7) Adjustments (tax related items) (l) (7) — — — (15) (7) Adjusted net income [(a) + (k)+ (l)] $755 $665 $640 $533 $652 $2,590 Adjusted net income (annualized) (m) $2,995 $2,638 $2,567 $2,162 $2,594 $2,590 Adjusted net income available to common shareholders [(c) + (k) + (l)] $723 $624 $603 $496 $614 $2,444 Adjusted net income available to common shareholders (annualized) (n) $2,868 $2,476 $2,419 $2,012 $2,443 $2,444 Adjusted tangible net income available to common shareholders [(d) + (k) + (l)] 728 $629 $608 $502 $621 $2,466 Adjusted tangible net income available to common shareholders (annualized) (o) $2,888 $2,495 $2,439 $2,036 $2,470 $2,466 Average assets (p) $213,021 $211,770 $210,554 $210,558 $211,709 $211,483 Metrics: Return on assets (b) / (p) 1.36% 1.21% 1.20% 0.99% 1.17% 1.19% Adjusted return on assets (m) / (p) 1.41% 1.25% 1.22% 1.03% 1.23% 1.22% Return on average common equity (f) / [(g) + (h)] 14.0% 12.6% 12.8% 10.8% 13.0% 12.6% Adjusted return on average common equity (n) / [(g) + (h)] 14.5% 13.0% 13.0% 11.3% 13.7% 13.0% Return on average tangible common equity (e) / (i) 19.0% 17.3% 17.6% 15.2% 18.4% 17.4% Adjusted return on average tangible common equity (o) / (i) 19.6% 17.7% 18.0% 15.8% 19.3% 17.8% Adjusted return on average tangible common equity, excluding AOCI (o) / (j) 16.2% 14.2% 13.9% 11.8% 14.5% 14.0% 40 Non-GAAP reconciliation For end note descriptions, see end note summary starting on page 42; totals shown above may not foot due to rounding

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![](fifththirdbancorppresent041.jpg)© Fifth Third Bancorp \| All Rights Reserved Non-GAAP reconciliation 41 Fifth Third Bancorp and Subsidiaries For three months ended For the year ended $ and shares in millions (unaudited) December September June March December 2025 2025 2025 2025 2024 2025 Average interest-earning assets (a) $194,144 $193,500 $192,682 $192,808 $193,513 $193,288 Net interest income (U.S. GAAP) (b) $1,529 $1,520 $1,495 $1,437 $1,437 $5,982 Add: Taxable equivalent adjustment 4 5 5 5 6 20 Net interest income (FTE) (c) $1,533 $1,525 $1,500 $1,442 $1,443 $6,002 Net interest income (FTE) (annualized) (d) $6,082 $6,050 $6,016 $5,848 $5,741 $6,002 Noninterest income (U.S. GAAP) (e) $811 $781 $750 $694 $732 $3,035 Interchange litigation matters 8 18 1 18 51 45 Litigation settlements (12) — — — — (12) Noninterest income excluding certain item(s) $807 $799 $751 $712 $783 $3,068 Securities (gains)/losses 5 (10) (16) 9 8 (11) Adjusted noninterest income, excluding certain item(s) and securities (gains)/losses (f) $812 $789 $735 $721 $791 $3,057 Noninterest expense (U.S. GAAP) (g) $1,309 $1,267 $1,264 $1,304 $1,226 $5,144 Interchange litigation matters (3) (9) — — (4) (12) Severance expense — — (15) — — (15) Merger-related expenses (13) — — — — (13) FDIC Special Assessment 25 6 — — 11 31 Fifth Third Foundation contribution (50) — — — (15) (50) Noninterest expense excluding certain item(s) $1,268 $1,264 $1,249 $1,304 $1,218 $5,085 Add: Non-qualified deferred compensation (expense)/benefit 5 (11) (16) 4 7 (18) Adjusted noninterest expense, excluding certain item(s) and non-qualified deferred compensation (h) $1,273 $1,253 $1,233 $1,308 $1,225 $5,067 Metrics: Revenue (FTE) (c) + (e) 2,344 2,306 2,250 2,136 2,175 9,037 Adjusted revenue (c) + (f) 2,345 2,314 2,235 2,163 2,234 9,059 Pre-provision net revenue [(c) + (e) - (g)] 1,035 1,039 986 832 949 3,893 Adjusted pre-provision net revenue [(c) + (f) - (h)] 1,072 1,061 1,002 855 1,009 3,990 Net interest margin (FTE) (d) / (a) 3.13% 3.13% 3.12% 3.03% 2.97% 3.11% Efficiency ratio (FTE) (g) / [(c) + (e)] 55.8% 54.9% 56.2% 61.0% 56.4% 56.9% Adjusted efficiency ratio (h) / [(c) + (f)] 54.3% 54.1% 55.2% 60.5% 54.8% 55.9% For end note descriptions, see end note summary starting on page 42; totals shown above may not foot due to rounding

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![](fifththirdbancorppresent042.jpg)© Fifth Third Bancorp \| All Rights Reserved 42 Earnings presentation end notes Slide 3 end notes 1. Non-GAAP measure: see reconciliation on pages 40 and 41 of this presentation and use of non-GAAP measures on pages 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 40 and 41 of this presentation and the use of non-GAAP measures on pages 27-29 of the earnings release. 2. Net losses charged-off as a percent of average portfolio loans and leases presented on an annualized basis. 3. Non-GAAP measure: see reconciliation on pages 40 and 41 of this presentation and use of non-GAAP measures on pages 27-29 of the earnings release. 4. Current period regulatory capital ratios are estimated. Slide 5 end notes 1. Results are on a fully-taxable equivalent basis; non-GAAP measure: see reconciliation on pages 40 and 41 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 40 and 41 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 40 and 41 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. Current expectations for FY 2026 include expected impacts from the proposed merger with Comerica, which is anticipated to close on February 1, 2026. 2. Non-GAAP measure: see reconciliation on pages 40 and 41 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 40 and 41 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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![](fifththirdbancorppresent043.jpg)© Fifth Third Bancorp \| All Rights Reserved Earnings presentation end notes 43 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. Loans to NDFIs are estimated pending the filing of Fifth Third Bank's Call Report and includes the following captions within Call Report schedule RC-C Part I - mortgage credit intermediaries, business credit intermediaries, private equity funds, consumer credit intermediaries and other loans to non-depository financial institutions 2. Data as of 9/30/2025 Slide 20 end notes 1. Net losses charged-off as a percent of average portfolio loans and leases presented on an annualized basis. 2. Nonperforming portfolio loans and leases as a percent of portfolio loans and leases. Slide 22 end notes 1. Net losses charged-off as a percent of average portfolio loans and leases presented on an annualized basis. 2. Nonperforming portfolio loans and leases as a percent of portfolio loans and leases. Slide 23 end notes 1. Net losses charged-off as a percent of average portfolio loans and leases presented on an annualized basis. 2. Nonperforming portfolio loans and leases as a percent of portfolio loans and leases. 3. FICO distributions at origination exclude certain acquired mortgage & home equity loans, and certain credit loans on book primarily ~15+ years. Slide 24 end notes 1. Net losses charged-off as a percent of average portfolio loans and leases presented on an annualized basis. 2. Nonperforming portfolio loans and leases as a percent of portfolio loans and leases. 3. FICO distributions at origination exclude certain acquired mortgage loans. Slide 25 end notes 1. Net losses charged-off as a percent of average portfolio loans and leases presented on an annualized basis. 2. Nonperforming portfolio loans and leases as a percent of portfolio loans and leases. 3. FICO distributions at origination exclude certain acquired home equity loans. Slide 26 end notes 1. Net losses charged-off as a percent of average portfolio loans and leases presented on an annualized basis. 2. Nonperforming portfolio loans and leases as a percent of portfolio loans and leases. Slide 27 end notes 1. Net losses charged-off as a percent of average portfolio loans and leases presented on an annualized basis. 2. Nonperforming portfolio loans and leases as a percent of portfolio loans and leases. 3. FICO distributions at origination exclude certain credit loans on book primarily ~15+ years. Slide 28 end notes 1. Net losses charged-off as a percent of average portfolio loans and leases presented on an annualized basis. 2. Nonperforming portfolio loans and leases as a percent of portfolio loans and leases. Slide 29 end notes 1. 4Q25 commercial and consumer portfolio make up ~$116M and ~$41M, respectively, of the total reserve for unfunded commitment.

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![](fifththirdbancorppresent044.jpg)© Fifth Third Bancorp \| All Rights Reserved 44 Earnings presentation end notes Slide 30 end notes 1. Loan balances exclude nonaccrual loans HFS. Slide 31 end notes Note: Data as of 12/31/2025. 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 32 end notes Note: Data as of 12/31/25; actual results may vary from these simulated results due to differences between forecasted and actual balance sheet composition, timing, magnitude, and frequency of interest rate changes, as well as other changes in market conditions and management strategies. 1. Re-pricing percentage or "beta" is the estimated change in yield after the 12-month ramp scenarios are fully realized and therefore reflects year-2. 2. Betas are asymmetrical as down betas assume a floor of 0%, along with rate floors, and up betas assumes a cap of 100% Slide 34 end notes 1. See forward-looking statements on page 2 of this presentation regarding forward-looking non-GAAP measures and use of non-GAAP measures on pages 27-29 of the earnings release. 2. Analysis based on Fifth Third standalone 12/31/2025 portfolio utilizing the implied forward curve as of 12/31/2025 Slide 35 end notes 1. See forward-looking statements on page 2 of this presentation regarding forward-looking non-GAAP measures and use of non-GAAP measures on pages 27-29 of the earnings release. 2. Analysis based on Fifth Third standalone 12/31/2025 portfolio utilizing the implied forward curve as of 12/31/2025 Slide 36 end notes 1. Represents forward looking statement, please refer to page 2 of this presentation regarding forward-looking non-GAAP measures 2. Existing swaps transition from receive fixed / pay 1-month LIBOR to receive fixed / pay compound SOFR + 11.448 bps on their next post-LIBOR cessation resets 3. Reflects the weighted average receive fixed rate (swaps only) as of 12/31/25 Slide 38 end notes 1. Represents forward looking statement, please refer to page 2 of this presentation regarding forward-looking non-GAAP measures. 2. Projected dividends for the Series J, Series H, and Series I reflect 3m Term SOFR plus the applicable spread. For the periods referencing 3m Term SOFR, the projections include the 26.161bps spread adjustment pursuant to the final rule adopted by the Federal Reserve. 3. Series M Preferred Stock to be issued in exchange for Comerica Incorporated's 6.875 Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series B as part of the anticipated closing of Comerica's merger with and into Fifth Third. The initial dividend period will be January 1, 2026 - April 1, 2026. The initial dividend payment date will be April 1, 2026. Slide 39 end notes 1. Average diluted common shares outstanding (thousands); 669,153; all adjusted figures are non-GAAP measures; see reconciliation on pages 40 and 41 of this presentation and the use of non-GAAP measures on pages 27-29 of the earnings release. 2. Assumes a 24% tax rate. 3. A portion of the adjustments related to merger-related expenses are not tax-deductible Slide 40 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 41 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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