# EDGAR Filing Document

**Accession Number:** 0000035527
**File Stem:** 0000035527-26-000190
**Filing Date:** 2026-6
**Character Count:** 19914
**Document Hash:** 1409013e7a48ce2b57d50db604941231
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0000035527-26-000190.hdr.sgml**: 20260609

**ACCESSION NUMBER**: 0000035527-26-000190

**CONFORMED SUBMISSION TYPE**: 8-K

**PUBLIC DOCUMENT COUNT**: 29

**CONFORMED PERIOD OF REPORT**: 20260609

**ITEM INFORMATION**: Regulation FD Disclosure

**ITEM INFORMATION**: Financial Statements and Exhibits

**FILED AS OF DATE**: 20260609

**DATE AS OF CHANGE**: 20260609

**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:** 261076548

**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-20260609

**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): June 9, 2026**

![Fifth Third Logo - 6.10.24.jpg](fitb-20260609_g1.jpg)

**Fifth Third Bancorp**

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

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

---

---

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

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| | | | | |
|:---|:---|:---|:---|:---|
| Securities registered pursuant to Section 12(b) of the Act: | Securities registered pursuant to Section 12(b) of the Act: | Securities registered pursuant to Section 12(b) of the Act: | Securities registered pursuant to Section 12(b) of the Act: | Securities registered pursuant to Section 12(b) of the Act: |
| **Title of each class** | **Trading<br>Symbol(s)** | **Name of each exchange<br>on which registered** | **Name of each exchange<br>on which registered** | **Name of each exchange<br>on which registered** |
| **Common Stock, Without Par Value** | **FITB** | **The** | **NASDAQ** | **Stock Market LLC** |
| **Depositary Shares Representing a 1/1000th Ownership Interest in a Share of** |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp; **6.625% Fixed-to-Floating Rate Non-Cumulative Perpetual Preferred Stock, Series I** | **FITBI** | **The** | **NASDAQ** | **Stock Market LLC** |
| **Depositary Shares Representing a 1/40th Ownership Interest in a Share of** |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;**6.00% Non-Cumulative Perpetual Class B Preferred Stock, Series A** | **FITBP** | **The** | **NASDAQ** | **Stock Market LLC** |
| **Depositary Shares Representing a 1/1000th Ownership Interest in a Share of** |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;**4.95% Non-Cumulative Perpetual Preferred Stock, Series K** | **FITBO** | **The** | **NASDAQ** | **Stock Market LLC** |
| **Depositary Shares Representing a 1/40th Ownership Interest in a Share of** |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;**6.875% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series M** | **FITBM** | **The** | **NASDAQ** | **Stock Market LLC** |

---

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

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

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

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**Item 7.01 Regulation FD Disclosure** 

On June 10, 2026, Fifth Third Bancorp will present at the Morgan Stanley US Financials Conference. A copy of this presentation is attached as Exhibit 99.1.

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

**Item 9.01 Financial Statements and Exhibits**

<u>[Exhibit 99.1](a2026morganstanleyconfer.htm)</u> – Fifth Third Bancorp Presentation

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

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**SIGNATURES**

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

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| | |
|:---|:---|
| | **FIFTH THIRD BANCORP** |
| | (Registrant) |
| Date: June 9, 2026 | /s/ Bryan D. Preston |
| | Bryan D. Preston |
| | Executive Vice President and<br>Chief Financial Officer |

---

## Exhibit 99.1

![](a2026morganstanleyconfer001.jpg)© Fifth Third Bancorp \| All Rights Reserved Morgan Stanley US Financials Conference June 10, 2026

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![](a2026morganstanleyconfer002.jpg)

2© Fifth Third Bancorp \| All Rights Reserved Top 10 U.S. Bank with local scale and national reach1 Assets $297 billion Ranked 9th in the U.S.1 Deposits $234 billion Ranked 9th in the U.S.1 U.S. branches 1,489 Ranked 7th in the U.S.1 Note: Assets, deposits, and branches as of 3/31/26; 1Rankings as of 3/31/26 and consist of US commercial banks and exclude foreign, trust, & traditional investment banks; 2Represents standalone Fifth Third for 2025. Includes Wire, ACH, SWIFT, and Instant Payments; 3MSAs with populations greater than 500,000 ranked by percent population growth (2020-2024) per US Census Bureau; 4Population as of 2025 per S&P Capital IQ. Payments processed2 $18 trillion Ranked 4th in real-time payments among banks Fastest-growing large U.S. MSAs3 Toronto office London office Operating in 17 of the 20 fastest-growing large U.S. metro areas3 Retail footprint covers more than half of the U.S. population4 Southwest footprint Midwest footprint Southeast footprint

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![](a2026morganstanleyconfer003.jpg)

3© Fifth Third Bancorp \| All Rights Reserved Disciplined execution guided by core principles Stability Profitability Growth ✓ Resilient balance sheet ✓ Strong credit profile ✓ Branch-originated insured deposits and operational deposits tied to payments services ✓ NII growth and NIM expansion ✓ Diverse fee mix with high total revenue contribution ✓ Expense discipline ✓ Southeast and Texas demographics ✓ Modular, repeatable investments ✓ Tech-enabled product innovation #2 #3#1 Delivering on our commitment to be transparent and disciplined for our shareholders

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![](a2026morganstanleyconfer004.jpg)

4© Fifth Third Bancorp \| All Rights Reserved NII contribution1 43% 53% 4% 49% 33% 18%Fee contribution1 A simple, diversified business portfolio • Texas Commercial Banking Loans $55B Deposits $118B Loans $10B Deposits $14B Loans $112B Deposits $99B Consumer & Small Business Banking Wealth & Asset Management Lending / Deposits / Capital Markets / Treasury Management & Payments Lending / Deposits / Payments Wealth Management / Trust / Custody NII contribution1 Fee contribution1 NII contribution1 Fee contribution1 Business Offerings Business Offerings Business Offerings Note: "World's Most Ethical Companies" and "Ethisphere" names and marks are registered trademarks of Ethisphere LLC. 1Source: FITB and management filings as of March 31, 2026, presented as a percent of 1Q26 segment revenue, which excludes General Corporate and Other.

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![](a2026morganstanleyconfer005.jpg)

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![](a2026morganstanleyconfer006.jpg)

6© Fifth Third Bancorp \| All Rights Reserved Total assets have more than doubled A decade of value creation – Positioned for the next decade of growth Total assets ($ billions) 1Rankings as of 3/31/26 and consist of US commercial banks and exclude foreign, trust, & traditional investment banks; 2Source: S&P Capital IQ. Represents population in Fifth Third's retail footprint states as a percentage of the total U.S. population; 3See forward-looking statements on page 15 of this presentation regarding forward-looking non-GAAP measures and use of non-GAAP measures on pages 26-28 of the 1Q26 earnings release. Fifth Third has doubled in scale, doubled in profitability, and fundamentally changed our long-term growth profile $142 $297 2016 1Q26 Profitability has nearly doubled and continues to improve Adjusted ROTCE3 9.9% 17.8% 2016 2025 2x Footprint repositioning materially lifts underlying growth potential Fifth Third's footprint as a percentage of the U.S. population2 29% 56% 2016 2025 Peer leading efficiency provides greater capacity to invest Adjusted efficiency ratio3 63.9% 55.9% 2016 2025 ~2x ~2x Creating a Top 10 U.S. Bank1 Target 19%+ ROTCE in 20273 4%+ expected footprint population growth3 Target 53% eff. ratio in 20273

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![](a2026morganstanleyconfer007.jpg)

7© Fifth Third Bancorp \| All Rights Reserved 1 Peer 1 61% Peer 5 63% Peer 7 172% Peer 7 318% 2 Peer 4 40% Peer 1 60% Peer 1 153% Peer 1 299% 3 FITB 36% Peer 7 57% FITB 152% FITB 288% 4 Peer 7 34% FITB 50% Peer 2 123% Peer 6 252% 5 Peer 10 32% Peer 2 49% Peer 6 118% Peer 10 188% 6 Peer 6 31% Peer 6 40% Peer 10 83% Peer 4 160% 7 Peer 9 29% Peer 3 36% Peer 4 80% Peer 5 149% 8 Peer 8 26% Peer 10 30% Peer 3 70% Peer 3 141% 9 Peer 5 24% Peer 4 22% Peer 5 66% Peer 2 136% 10 Peer 2 23% Peer 9 14% Peer 9 40% Peer 8 100% 11 Peer 3 6% Peer 8 4% Peer 8 35% Peer 9 86% 7 Year 10 Year 1 Year 5 Year 2027 P/E Delivering shareholder outperformance Total shareholder return Source: S&P Capital IQ, Bloomberg Finance L.P. Note: Trailing TSR as of 6/8/2026; Excludes peers that participated in an FDIC assisted transaction. 2027 consensus EPS and price as of 5/31/26 Peer 6 Peer 5 Peer 11 x Peer 4 Peer 7 Peer 9 Peer 1 Peer 8 Peer 10 Peer 3 10.0x Peer median 9.8x Producing top quartile total shareholder returns consistently

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![](a2026morganstanleyconfer008.jpg)

8© Fifth Third Bancorp \| All Rights Reserved Accelerating our decade-long network expansion1 Branch distribution by region2 Source: S&P Capital IQ; 1See forward-looking statements on page 15 of this presentation regarding forward-looking non-GAAP measures and use of non-GAAP measures on pages 26-28 of the 1Q26 earnings release; 2Represents % of total branches by geographic region and includes 150 planned de novo builds in Texas; 3Population growth represented as 5-year projected growth rate (2026-2031 not annualized) per S&P Capital IQ. Overall growth rate calculated as population growth rate weighted by branch distribution (based on Fifth Third and Comerica's proforma branch counts) by region; 4MSAs with populations greater than 500,000 ranked by percent population growth (2020-2024) per US Census Bureau. By 2030, 50+% of Fifth Third's footprint will be in the best markets in the U.S., including 17 of the 20 fastest growing large U.S. metros4 76% 24% 1,154 branches 2017 2025 2028 (Pre-CMA) 2030E 67% 33% 1,130 branches ~50%~50% ~1,250 branches ~45% ~35% ~20% ~1,750 branches Midwest footprint Southeast footprint Southwest footprint P o p u la ti o n g ro w th 3 2.5% 3.1% 3.8% 4.1%

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![](a2026morganstanleyconfer009.jpg)

9© Fifth Third Bancorp \| All Rights Reserved Four distinct $10B deposit opportunities Market Expansion Tech-enabled relationship deepening Proven deposit playbooks, expanded through Comerica – diversified across customers, markets, and capabilities 1 2 3 4 Southeast branch maturation Texas de novo buildout Small business and payments Tech & life sciences vertical Proven playbook: site selection, staffing, marketing and digital onboarding Deposits per branch ~50% above peer average1 Seasoning of ~400 de novos provides peer leading embedded growth opportunity Apply southeast playbook to Comerica's established Texas franchise Strong response rates from initial marketing campaigns 150 branches to be built by 2029 with over 90 locations already identified3 Provide-enabled SBA platform driving market share capture… #53 → #152 1-out-of-3 new payments clients are payments- only with no credit attached 4-to-1 deposit-to-loan portfolio – reengage and selectively build a durable relationship-oriented vertical Newline deepens operating relationships with innovation-economy clients 1Source: S&P Capital IQ; 2025 FDIC data capped at $250MM and filtered for de novos opened since 2018. Not all de novos have been open for 5 years; 2Source: U.S. Small Business Administration Lender Report,; 2026 fiscal year; 3See forward-looking statements on page 15 of this presentation regarding forward-looking non-GAAP measures and use of non-GAAP measures on pages 26-28 of the 1Q26 earnings release.

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![](a2026morganstanleyconfer010.jpg)

10© Fifth Third Bancorp \| All Rights Reserved Relative asset size does not reflect middle market scale Relationship banking powerhouse positioned to grow 283 350 608 2021 2026 Salesforce additions drive growth1 Middle market salesforce $18 $23 $37 2021 2026 Middle market loans ($B) Deep, relationship driven Middle Market platform serving diverse industries across the country Leading payments products in core treasury management and an industry leader in embedded payments Broad capital markets capabilities, including customer derivatives, syndications, debt and capital markets, and M&A Relationship focused with industry leading product capabilities 1Q26 End of Period Loans x Trillionaire ~16x Total assets x Trillionaire ~2x Total middle market lending 5% CAGR 6% CAGR As of 1Q26 As of 1Q26 Source: company filings and management reporting as of March 31, 2026; 12021 Middle market salesforce and loans presented as standalone Fifth Third Fifth ThirdComerica

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![](a2026morganstanleyconfer011.jpg)

11© Fifth Third Bancorp \| All Rights Reserved 33% 29% x LTM 4Q25 Peer Median Fee revenue mix is well-diversified 24% 22% 18% 14% 12% 5% 5% Commercial Banking Mortgage Banking Other Noninterest Income Wealth & Asset Management Commercial Payments Consumer Banking Capital Markets Strategic investments resulting in fee diversification and growth LTM 1Q26 pro-forma noninterest income $4.2B LTM 1Q26 pro-forma noninterest income mix1,2 Fee contribution as a percent of revenue is favorable relative to peers LTM 1Q26 pro-forma noninterest income as a percent of pro-forma revenue2, unless otherwise noted Total pro-forma fee revenue accounted for ~33% of total pro-forma revenue for the last twelve months Two $1B+ high-growth, recurring revenue engines: Commercial Payments and Wealth and Asset Management Diversified fee sources: 5 categories greater than 10% Note: Totals may not foot due to rounding. 1See forward-looking statements on page 15 of this presentation regarding forward-looking non-GAAP measures and use of non-GAAP measures on pages 26-28 of the 1Q26 earnings release; 2Last twelve month (LTM) noninterest income and revenue are presented on a pro-forma basis, excluding securities gains/losses, for Fifth Third and Comerica as of 3/31/2026. These results are preliminary and may differ from information provided in the 10-Q due to finalization of purchase accounting or other adjustments.

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![](a2026morganstanleyconfer012.jpg)

12© Fifth Third Bancorp \| All Rights Reserved Comerica integration update1 We are progressing with high confidence toward the Comerica conversion over Labor Day weekend 1See forward-looking statements on page 15 of this presentation regarding forward-looking non-GAAP measures and use of non-GAAP measures on pages 26-28 of the 1Q26 earnings release Total Merger & Integration Costs Incurred through 1Q26: $657MM Total expected: ~$1.3B On track to achieve $850 million pre-tax run-rate expense synergies by year-end 2026 February 1, 2026 Legal close of transaction 1st Quarter 2026 Executed swap dealer conversion 1st Quarter 2026 First Comerica branded consumer direct mail deposit campaign in more than a decade 2nd & 3rd Quarter 2026 3 mock conversions to ensure seamless conversion of customers and systems; Completed mock 1 in May Late 2nd Quarter 2026 New Direct Express cardholder enrollments on Fifth Third platform September 4 - 7, 2026 Conversion of branches and systems Enrollment in Fifth Third mobile and online banking

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![](a2026morganstanleyconfer013.jpg)

13© Fifth Third Bancorp \| All Rights Reserved 2Q26 current expectations Avg. loans & leases (Including HFS) $178 -$179 billion Net interest income1 (1Q26 baseline: $1.94 billion) $2.20 - $2.25 billion assumes 6/30/26 Fed funds rate of 3.75% and includes the impact of purchase accounting accretion Noninterest income1 (1Q26 baseline: $0.92 billion; excludes securities g/l) $1.00 - $1.06 billion Noninterest expense1 (1Q26 baseline: $1.77 billion; excludes the mark-to market impact of non-qualified deferred compensation) $1.87 - $1.89 billion Includes the impact of anticipated CDI amortization (~$60MM) and excludes acquisition related charges Net charge-off ratio 30 - 35 bps Effective tax rate 22.5% 1See forward-looking statements on page 15 of this presentation regarding forward-looking non-GAAP measures and use of non-GAAP measures on pages 26-28 of the 1Q26 earnings release. Current expectations unchanged from April 17, 2026 earnings call As of June 10, 2026; please see cautionary statements on page 15

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![](a2026morganstanleyconfer014.jpg)

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

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![](a2026morganstanleyconfer015.jpg)

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