{"id":928466,"date":"2026-01-20T06:33:29","date_gmt":"2026-01-20T11:33:29","guid":{"rendered":"https:\/\/www.marketnewsdesk.com\/index.php\/fifth-third-bancorp-reports-fourth-quarter-2025-diluted-earnings-per-share-of-1-04\/"},"modified":"2026-01-20T06:33:29","modified_gmt":"2026-01-20T11:33:29","slug":"fifth-third-bancorp-reports-fourth-quarter-2025-diluted-earnings-per-share-of-1-04","status":"publish","type":"post","link":"https:\/\/www.marketnewsdesk.com\/index.php\/fifth-third-bancorp-reports-fourth-quarter-2025-diluted-earnings-per-share-of-1-04\/","title":{"rendered":"Fifth Third Bancorp Reports Fourth Quarter 2025 Diluted Earnings Per Share of $1.04"},"content":{"rendered":"

<\/p>\n

Fifth Third Bancorp Reports Fourth Quarter 2025 Diluted Earnings Per Share of $1.04<\/b><\/p>\n

Strong returns supported by continued business momentum and improved credit trends<\/i><\/p>\n

Reported results included a net negative $0.04 impact from certain items on page 2<\/i><\/p>\n

CINCINNATI–(BUSINESS WIRE<\/a>)–
\nFifth Third Bancorp (NASDAQ: FITB):<\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
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Key Financial Data<\/b><\/p>\n<\/td>\n

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Key Highlights<\/b><\/p>\n<\/td>\n<\/tr>\n

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\n\u00a0<\/p>\n<\/td>\n

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\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

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\n\u00a0<\/p>\n<\/td>\n

\n

$ in millions for all balance sheet and income statement items<\/i><\/p>\n<\/td>\n

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\n\u00a0<\/p>\n<\/td>\n

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\n\u00a0<\/p>\n<\/td>\n

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\n\u00a0<\/p>\n<\/td>\n

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\n\u00a0<\/p>\n<\/td>\n

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\n\u00a0<\/p>\n<\/td>\n

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\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

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\n\u00a0<\/p>\n<\/td>\n

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\n\u00a0<\/p>\n<\/td>\n

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4Q25<\/b><\/p>\n<\/td>\n

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\n\u00a0<\/p>\n<\/td>\n

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3Q25<\/b><\/p>\n<\/td>\n

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\n\u00a0<\/p>\n<\/td>\n

\n

4Q24<\/b><\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

Stability:<\/b><\/p>\n

    \n
  • \nNet charge-offs(b)<\/sup> of 40 bps in 4Q25; Commercial net charge-offs(b)<\/sup> of 27 bps<\/p>\n<\/li>\n
  • \nLoan-to-core deposit ratio of 72%; 4% demand deposit growth year-over-year<\/p>\n<\/li>\n
  • \nStrong profitability resulted in CET1(d)(e)<\/sup> increasing 20 bps to 10.77%<\/p>\n<\/li>\n<\/ul>\n

    Profitability:<\/b><\/p>\n

      \n
    • \nAdjusted ROA(a)<\/sup> of 1.41% and adjusted ROTCE ex. AOCI(a)<\/sup> of 16.2%<\/p>\n<\/li>\n
    • \nDisciplined expense management; adjusted efficiency ratio(a)<\/sup> of 54.3%, an improvement of 50 bps year-over-year<\/p>\n<\/li>\n
    • \nGenerated 230 bps of positive operating leverage in 2025<\/p>\n<\/li>\n
    • \nTangible book value per share(a)<\/sup> grew 21% year-over-year<\/p>\n<\/li>\n<\/ul>\n

      Growth:<\/b><\/p>\n

        \n
      • \n5% loan growth compared to 4Q24; Middle market loan growth of 7%<\/p>\n<\/li>\n
      • \nRecord NII of $6 billion increased 6% year-over-year<\/p>\n<\/li>\n
      • \nConsumer household growth of 2.5%, including 7% in the Southeast<\/p>\n<\/li>\n
      • \nAssets under management of $80B, up 16% compared to 4Q24<\/p>\n<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n
\n

\n\u00a0<\/p>\n<\/td>\n

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\n\u00a0<\/p>\n<\/td>\n

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\n\u00a0<\/p>\n<\/td>\n

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\n\u00a0<\/p>\n<\/td>\n

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\n\u00a0<\/p>\n<\/td>\n

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\n\u00a0<\/p>\n<\/td>\n

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\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

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\n\u00a0<\/p>\n<\/td>\n

\n

Income Statement Data<\/b><\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

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\n\u00a0<\/p>\n<\/td>\n

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\n\u00a0<\/p>\n<\/td>\n

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\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

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\n\u00a0<\/p>\n<\/td>\n

\n

\nNet income available to common shareholders<\/p>\n<\/td>\n

\n

\n$699<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n$608<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n$582<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nNet interest income (U.S. GAAP)<\/p>\n<\/td>\n

\n

\n1,529<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n1,520<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n1,437<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nNet interest income (FTE)(a)<\/sup><\/i><\/p>\n<\/td>\n

\n

\n1,533<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n1,525<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n1,443<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nNoninterest income<\/p>\n<\/td>\n

\n

\n811<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n781<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n732<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nNoninterest expense<\/p>\n<\/td>\n

\n

\n1,309<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n1,267<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n1,226<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

Per Share Data<\/b><\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nEarnings per share, basic<\/p>\n<\/td>\n

\n

\n$1.05<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n$0.91<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n$0.86<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nEarnings per share, diluted<\/p>\n<\/td>\n

\n

\n1.04<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n0.91<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n0.85<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nBook value per share<\/p>\n<\/td>\n

\n

\n30.18<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n29.26<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n26.17<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nTangible book value per share(a)<\/sup><\/i><\/p>\n<\/td>\n

\n

\n22.60<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n21.66<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n18.69<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

Balance Sheet & Credit Quality<\/b><\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nAverage portfolio loans and leases<\/p>\n<\/td>\n

\n

\n$123,430<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n$123,326<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n$117,860<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nAverage deposits<\/p>\n<\/td>\n

\n

\n168,384<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n164,754<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n167,237<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nAccumulated other comprehensive loss<\/p>\n<\/td>\n

\n

\n(3,110)<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n(3,276)<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n(4,636)<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nNet charge-off ratio(b)<\/sup><\/i><\/p>\n<\/td>\n

\n

\n0.40<\/p>\n<\/td>\n

\n

\n%<\/p>\n<\/td>\n

\n

\n1.09<\/p>\n<\/td>\n

\n

\n%<\/p>\n<\/td>\n

\n

\n0.46<\/p>\n<\/td>\n

\n

\n%<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nNonperforming asset ratio(c)<\/sup><\/i><\/p>\n<\/td>\n

\n

\n0.65<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n0.65<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n0.71<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

Financial Ratios<\/b><\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nReturn on average assets<\/p>\n<\/td>\n

\n

\n1.36<\/p>\n<\/td>\n

\n

\n%<\/p>\n<\/td>\n

\n

\n1.21<\/p>\n<\/td>\n

\n

\n%<\/p>\n<\/td>\n

\n

\n1.17<\/p>\n<\/td>\n

\n

\n%<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nReturn on average common equity<\/p>\n<\/td>\n

\n

\n14.0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n12.6<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n13.0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nReturn on average tangible common equity(a)<\/sup><\/i><\/p>\n<\/td>\n

\n

\n19.0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n17.3<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n18.4<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nCET1 capital(d)(e)<\/sup><\/i><\/p>\n<\/td>\n

\n

\n10.77<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n10.57<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n10.57<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nNet interest margin(a)<\/sup><\/i><\/p>\n<\/td>\n

\n

\n3.13<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n3.13<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n2.97<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nEfficiency(a)<\/sup><\/i><\/p>\n<\/td>\n

\n

\n55.8<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n54.9<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n56.4<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n

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.<\/i><\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n<\/table>\n\n\n
\n

From Tim Spence, Fifth Third Chairman, CEO and President:<\/b><\/p>\n<\/td>\n<\/tr>\n<\/table>\n

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.<\/i><\/p>\n

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.<\/i><\/p>\n

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.<\/i><\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
\n

\n\u00a0<\/p>\n<\/td>\n

\n

Income Statement Highlights<\/b><\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

<\/tr>\n
\n

\n\u00a0<\/p>\n<\/td>\n

\n

($ in millions, except per share data)<\/b><\/p>\n<\/td>\n

\n

\nFor the Three Months Ended<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n% Change<\/p>\n<\/td>\n

<\/tr>\n
\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nDecember<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nSeptember<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nDecember<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

<\/tr>\n
\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n2025<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n2025<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n2024<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nSeq<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nYr\/Yr<\/p>\n<\/td>\n

<\/tr>\n
\n

\n\u00a0<\/p>\n<\/td>\n

\n

Condensed Statements of Income<\/b><\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

<\/tr>\n
\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nNet interest income (NII)(a)<\/sup><\/i><\/p>\n<\/td>\n

\n

\n$1,533<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n$1,525<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n$1,443<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n1%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n6%<\/p>\n<\/td>\n

<\/tr>\n
\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nProvision for credit losses<\/p>\n<\/td>\n

\n

\n119<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n197<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n179<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n(40)%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n(34)%<\/p>\n<\/td>\n

<\/tr>\n
\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nNoninterest income<\/p>\n<\/td>\n

\n

\n811<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n781<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n732<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n4%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n11%<\/p>\n<\/td>\n

<\/tr>\n
\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nNoninterest expense<\/p>\n<\/td>\n

\n

\n1,309<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n1,267<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n1,226<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n3%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n7%<\/p>\n<\/td>\n

<\/tr>\n
\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nIncome before income taxes(a)<\/sup><\/i><\/p>\n<\/td>\n

\n

\n$916<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n$842<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n$770<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n9%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n19%<\/p>\n<\/td>\n

<\/tr>\n
\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

<\/tr>\n
\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nTaxable equivalent adjustment<\/p>\n<\/td>\n

\n

\n$4<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n$5<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n$6<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n(20)%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n(33)%<\/p>\n<\/td>\n

<\/tr>\n
\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nApplicable income tax expense<\/p>\n<\/td>\n

\n

\n181<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n188<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n144<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n(4)%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n26%<\/p>\n<\/td>\n

<\/tr>\n
\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nNet income<\/p>\n<\/td>\n

\n

\n$731<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n$649<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n$620<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n13%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n18%<\/p>\n<\/td>\n

<\/tr>\n
\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nDividends on preferred stock<\/p>\n<\/td>\n

\n

\n32<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n41<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n38<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n(22)%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n(16)%<\/p>\n<\/td>\n

<\/tr>\n
\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nNet income available to common shareholders<\/p>\n<\/td>\n

\n

\n$699<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n$608<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n$582<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n15%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n20%<\/p>\n<\/td>\n

<\/tr>\n
\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nEarnings per share, diluted<\/p>\n<\/td>\n

\n

\n$1.04<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n$0.91<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n$0.85<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n14%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n22%<\/p>\n<\/td>\n

<\/tr>\n<\/table>\n

\nFifth Third Bancorp (NASDAQ\u00ae<\/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.<\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

Diluted earnings per share impact of certain item(s) – 4Q25<\/b><\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

(after-tax impact; $ in millions, except per share data)<\/b><\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nFifth Third Foundation contribution(f)<\/sup><\/p>\n<\/td>\n

\n

\n$(38)<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nMerger-related expenses(f)1<\/sup><\/p>\n<\/td>\n

\n

\n(13)<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nInterchange litigation matters(f)2<\/sup><\/p>\n<\/td>\n

\n

\n(8)<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nBenefit related to the resolution of certain tax matters<\/p>\n<\/td>\n

\n

\n7<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nLitigation settlements (noninterest income)(f)<\/sup><\/p>\n<\/td>\n

\n

\n9<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nFDIC special assessment (noninterest expense)(f)<\/sup><\/p>\n<\/td>\n

\n

\n19<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nAfter-tax impactof certain item(s)<\/p>\n<\/td>\n

\n

\n$(24)<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nDiluted earnings per share impact of certain item(s)3<\/sup><\/i><\/p>\n<\/td>\n

\n

\n$(0.04)<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

Totals may not foot due to rounding; 1<\/sup>A portion of the adjustments related to merger-related expenses are not tax-deductible; 2<\/sup>Interchange litigation matters decreased noninterest income by $8 million and increased noninterest expense by $3 million; 3<\/sup>Diluted earnings per share impact reflects 669.153 million average diluted shares outstanding<\/i><\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n<\/table>\n

\nFull 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.<\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
\n

\n\u00a0<\/p>\n<\/td>\n

\n

Net Interest Income<\/b><\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

(FTE; $ in millions)<\/b>(a)<\/sup><\/i><\/p>\n<\/td>\n

\n

\nFor the Three Months Ended<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n% Change<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nDecember<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nSeptember<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nDecember<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n2025<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n2025<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n2024<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nSeq<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nYr\/Yr<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

Interest Income<\/b><\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nInterest income<\/p>\n<\/td>\n

\n

\n$<\/p>\n<\/td>\n

\n

\n2,472<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n$<\/p>\n<\/td>\n

\n

\n2,524<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n$<\/p>\n<\/td>\n

\n

\n2,534<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n(2<\/p>\n<\/td>\n

\n

\n)%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n(2<\/p>\n<\/td>\n

\n

\n)%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nInterest expense<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n939<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n999<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n1,091<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n(6<\/p>\n<\/td>\n

\n

\n)%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n(14<\/p>\n<\/td>\n

\n

\n)%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nNet interest income (NII)<\/p>\n<\/td>\n

\n

\n$<\/p>\n<\/td>\n

\n

\n1,533<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n$<\/p>\n<\/td>\n

\n

\n1,525<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n$<\/p>\n<\/td>\n

\n

\n1,443<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n1<\/p>\n<\/td>\n

\n

\n%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n6<\/p>\n<\/td>\n

\n

\n%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

Average Yield\/Rate Analysis<\/b><\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nbps Change<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nYield on interest-earning assets<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n5.05<\/p>\n<\/td>\n

\n

\n%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n5.18<\/p>\n<\/td>\n

\n

\n%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n5.21<\/p>\n<\/td>\n

\n

\n%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n(13<\/p>\n<\/td>\n

\n

\n)<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n(16<\/p>\n<\/td>\n

\n

\n)<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nRate paid on interest-bearing liabilities<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n2.60<\/p>\n<\/td>\n

\n

\n%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n2.77<\/p>\n<\/td>\n

\n

\n%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n3.00<\/p>\n<\/td>\n

\n

\n%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n(17<\/p>\n<\/td>\n

\n

\n)<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n(40<\/p>\n<\/td>\n

\n

\n)<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

Ratios<\/b><\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nNet interest rate spread<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n2.45<\/p>\n<\/td>\n

\n

\n%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n2.41<\/p>\n<\/td>\n

\n

\n%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n2.21<\/p>\n<\/td>\n

\n

\n%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n4<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n24<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nNet interest margin (NIM)<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n3.13<\/p>\n<\/td>\n

\n

\n%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n3.13<\/p>\n<\/td>\n

\n

\n%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n2.97<\/p>\n<\/td>\n

\n

\n%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u2014<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n16<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n<\/table>\n

\nFully 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.<\/p>\n

\nCompared 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.<\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
\n

\n\u00a0<\/p>\n<\/td>\n

\n

Noninterest Income<\/b><\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

($ in millions)<\/b><\/p>\n<\/td>\n

\n

\nFor the Three Months Ended<\/p>\n<\/td>\n

\n

\n% Change<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nDecember<\/p>\n<\/td>\n

\n

\nSeptember<\/p>\n<\/td>\n

\n

\nDecember<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n2025<\/p>\n<\/td>\n

\n

\n2025<\/p>\n<\/td>\n

\n

\n2024<\/p>\n<\/td>\n

\n

\nSeq<\/p>\n<\/td>\n

\n

\nYr\/Yr<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

Noninterest Income<\/b><\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nWealth and asset management revenue<\/p>\n<\/td>\n

\n

\n$185<\/p>\n<\/td>\n

\n

\n$181<\/p>\n<\/td>\n

\n

\n$163<\/p>\n<\/td>\n

\n

\n2%<\/p>\n<\/td>\n

\n

\n13%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nCommercial payments revenue<\/p>\n<\/td>\n

\n

\n167<\/p>\n<\/td>\n

\n

\n157<\/p>\n<\/td>\n

\n

\n155<\/p>\n<\/td>\n

\n

\n6%<\/p>\n<\/td>\n

\n

\n8%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nConsumer banking revenue<\/p>\n<\/td>\n

\n

\n143<\/p>\n<\/td>\n

\n

\n144<\/p>\n<\/td>\n

\n

\n137<\/p>\n<\/td>\n

\n

\n(1)%<\/p>\n<\/td>\n

\n

\n4%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nCapital markets fees<\/p>\n<\/td>\n

\n

\n121<\/p>\n<\/td>\n

\n

\n115<\/p>\n<\/td>\n

\n

\n123<\/p>\n<\/td>\n

\n

\n5%<\/p>\n<\/td>\n

\n

\n(2)%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nCommercial banking revenue<\/p>\n<\/td>\n

\n

\n102<\/p>\n<\/td>\n

\n

\n87<\/p>\n<\/td>\n

\n

\n109<\/p>\n<\/td>\n

\n

\n17%<\/p>\n<\/td>\n

\n

\n(6)%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nMortgage banking net revenue<\/p>\n<\/td>\n

\n

\n56<\/p>\n<\/td>\n

\n

\n58<\/p>\n<\/td>\n

\n

\n57<\/p>\n<\/td>\n

\n

\n(3)%<\/p>\n<\/td>\n

\n

\n(2)%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nOther noninterest income (loss)<\/p>\n<\/td>\n

\n

\n42<\/p>\n<\/td>\n

\n

\n29<\/p>\n<\/td>\n

\n

\n(4)<\/p>\n<\/td>\n

\n

\n45%<\/p>\n<\/td>\n

\n

\nNM<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nSecurities (losses) gains, net<\/p>\n<\/td>\n

\n

\n(5)<\/p>\n<\/td>\n

\n

\n10<\/p>\n<\/td>\n

\n

\n(8)<\/p>\n<\/td>\n

\n

\nNM<\/p>\n<\/td>\n

\n

\n(38)%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nTotal noninterest income<\/p>\n<\/td>\n

\n

\n$811<\/p>\n<\/td>\n

\n

\n$781<\/p>\n<\/td>\n

\n

\n$732<\/p>\n<\/td>\n

\n

\n4%<\/p>\n<\/td>\n

\n

\n11%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n<\/table>\n

\nNoninterest 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.<\/p>\n\n\n\n\n\n\n\n\n\n\n\n
\n

\n\u00a0<\/p>\n<\/td>\n

\n

Noninterest Income excluding certain items<\/b><\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

($ in millions)<\/b><\/p>\n<\/td>\n

\n

\nFor the Three Months Ended<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n% Change<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nDecember<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nSeptember<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nDecember<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n2025<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n2025<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n2024<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nSeq<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nYr\/Yr<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

Noninterest Income excluding certain items<\/b><\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nNoninterest income (U.S. GAAP)<\/p>\n<\/td>\n

\n

\n$811<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n$781<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n$732<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nInterchange litigation matters<\/p>\n<\/td>\n

\n

\n8<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n18<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n51<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nLitigation settlements<\/p>\n<\/td>\n

\n

\n(12)<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u2014<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u2014<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nSecurities (gains) losses, net<\/p>\n<\/td>\n

\n

\n5<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n(10)<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n8<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nNoninterest income excluding certain items(a)<\/sup><\/i><\/p>\n<\/td>\n

\n

\n$812<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n$789<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n$791<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n3%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n3%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n<\/table>\n

\nNoninterest 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.<\/p>\n

\nWealth 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.<\/p>\n

\nCompared 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.<\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
\n

\n\u00a0<\/p>\n<\/td>\n

\n

Noninterest Expense<\/b><\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

($ in millions)<\/b><\/p>\n<\/td>\n

\n

\nFor the Three Months Ended<\/p>\n<\/td>\n

\n

\n% Change<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nDecember<\/p>\n<\/td>\n

\n

\nSeptember<\/p>\n<\/td>\n

\n

\nDecember<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n2025<\/p>\n<\/td>\n

\n

\n2025<\/p>\n<\/td>\n

\n

\n2024<\/p>\n<\/td>\n

\n

\nSeq<\/p>\n<\/td>\n

\n

\nYr\/Yr<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

Noninterest Expense<\/b><\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nCompensation and benefits<\/p>\n<\/td>\n

\n

\n$683<\/p>\n<\/td>\n

\n

\n$685<\/p>\n<\/td>\n

\n

\n$665<\/p>\n<\/td>\n

\n

\n\u2014<\/p>\n<\/td>\n

\n

\n3%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nTechnology and communications<\/p>\n<\/td>\n

\n

\n138<\/p>\n<\/td>\n

\n

\n128<\/p>\n<\/td>\n

\n

\n123<\/p>\n<\/td>\n

\n

\n8%<\/p>\n<\/td>\n

\n

\n12%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nNet occupancy expense<\/p>\n<\/td>\n

\n

\n89<\/p>\n<\/td>\n

\n

\n89<\/p>\n<\/td>\n

\n

\n88<\/p>\n<\/td>\n

\n

\n\u2014<\/p>\n<\/td>\n

\n

\n1%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nEquipment expense<\/p>\n<\/td>\n

\n

\n43<\/p>\n<\/td>\n

\n

\n44<\/p>\n<\/td>\n

\n

\n39<\/p>\n<\/td>\n

\n

\n(2)%<\/p>\n<\/td>\n

\n

\n10%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nLoan and lease expense<\/p>\n<\/td>\n

\n

\n41<\/p>\n<\/td>\n

\n

\n39<\/p>\n<\/td>\n

\n

\n36<\/p>\n<\/td>\n

\n

\n5%<\/p>\n<\/td>\n

\n

\n14%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nMarketing expense<\/p>\n<\/td>\n

\n

\n37<\/p>\n<\/td>\n

\n

\n34<\/p>\n<\/td>\n

\n

\n23<\/p>\n<\/td>\n

\n

\n9%<\/p>\n<\/td>\n

\n

\n61%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nCard and processing expense<\/p>\n<\/td>\n

\n

\n27<\/p>\n<\/td>\n

\n

\n22<\/p>\n<\/td>\n

\n

\n21<\/p>\n<\/td>\n

\n

\n23%<\/p>\n<\/td>\n

\n

\n29%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nOther noninterest expense<\/p>\n<\/td>\n

\n

\n251<\/p>\n<\/td>\n

\n

\n226<\/p>\n<\/td>\n

\n

\n231<\/p>\n<\/td>\n

\n

\n11%<\/p>\n<\/td>\n

\n

\n9%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nTotal noninterest expense<\/p>\n<\/td>\n

\n

\n$1,309<\/p>\n<\/td>\n

\n

\n$1,267<\/p>\n<\/td>\n

\n

\n$1,226<\/p>\n<\/td>\n

\n

\n3%<\/p>\n<\/td>\n

\n

\n7%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n<\/table>\n

\nNoninterest 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.<\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
\n

\n\u00a0<\/p>\n<\/td>\n

\n

Noninterest Expense excluding certain item(s)<\/b><\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

($ in millions)<\/b><\/p>\n<\/td>\n

\n

\nFor the Three Months Ended<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n% Change<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nDecember<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nSeptember<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nDecember<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n2025<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n2025<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n2024<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nSeq<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nYr\/Yr<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

Noninterest Expense excluding certain item(s)<\/b><\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nNoninterest expense (U.S. GAAP)<\/p>\n<\/td>\n

\n

\n$1,309<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n$1,267<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n$1,226<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nFifth Third Foundation contribution<\/p>\n<\/td>\n

\n

\n(50)<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u2014<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n(15)<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nMerger-related expenses<\/p>\n<\/td>\n

\n

\n(13)<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u2014<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u2014<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nFDIC special assessment<\/p>\n<\/td>\n

\n

\n25<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n6<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n11<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nInterchange litigation matters<\/p>\n<\/td>\n

\n

\n(3)<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n(9)<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n(4)<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nNoninterest expense excluding certain item(s)(a)<\/sup><\/i><\/p>\n<\/td>\n

\n

\n$1,268<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n$1,264<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n$1,218<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u2014<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n4%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nNon-qualified deferred compensation (expense)\/benefit<\/p>\n<\/td>\n

\n

\n5<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n(11)<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n7<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nNoninterest expense excluding certain item(s) and non-qualified deferred compensation(a)<\/sup><\/i><\/p>\n<\/td>\n

\n

\n$1,273<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n$1,253<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n$1,225<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n2%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n4%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n<\/table>\n

\nNoninterest 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.<\/p>\n

\nCompared 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.<\/p>\n

\nExpenses 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.<\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
\n

\n\u00a0<\/p>\n<\/td>\n

\n

Average Interest-Earning Assets<\/b><\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

($ in millions)<\/b><\/p>\n<\/td>\n

\n

\nFor the Three Months Ended<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n% Change<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nDecember<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nSeptember<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nDecember<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n2025<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n2025<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n2024<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nSeq<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nYr\/Yr<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

Average Portfolio Loans and Leases<\/b><\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nCommercial loans and leases:<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nCommercial and industrial loans<\/p>\n<\/td>\n

\n

\n$53,947<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n$54,170<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n$51,567<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u2014<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n5%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nCommercial mortgage loans<\/p>\n<\/td>\n

\n

\n12,079<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n12,027<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n11,792<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u2014<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n2%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nCommercial construction loans<\/p>\n<\/td>\n

\n

\n5,399<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n5,541<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n5,702<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n(3)%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n(5)%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nCommercial leases<\/p>\n<\/td>\n

\n

\n3,172<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n3,177<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n2,902<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u2014<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n9%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nTotal commercial loans and leases<\/p>\n<\/td>\n

\n

\n$74,597<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n$74,915<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n$71,963<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u2014<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n4%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nConsumer loans:<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nResidential mortgage loans<\/p>\n<\/td>\n

\n

\n$17,660<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n$17,656<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n$17,322<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u2014<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n2%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nHome equity<\/p>\n<\/td>\n

\n

\n4,769<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n4,579<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n4,125<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n4%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n16%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nIndirect secured consumer loans<\/p>\n<\/td>\n

\n

\n17,879<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n17,729<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n16,100<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n1%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n11%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nCredit card<\/p>\n<\/td>\n

\n

\n1,694<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n1,678<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n1,668<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n1%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n2%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nSolar energy installation loans<\/p>\n<\/td>\n

\n

\n4,486<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n4,355<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n4,137<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n3%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n8%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nOther consumer loans<\/p>\n<\/td>\n

\n

\n2,345<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n2,414<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n2,545<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n(3)%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n(8)%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nTotal consumer loans<\/p>\n<\/td>\n

\n

\n$48,833<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n$48,411<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n$45,897<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n1%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n6%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nTotal average portfolio loans and leases<\/p>\n<\/td>\n

\n

\n$123,430<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n$123,326<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n$117,860<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u2014<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n5%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

Average Loans and Leases Held for Sale<\/b><\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nCommercial loans and leases held for sale<\/p>\n<\/td>\n

\n

\n$19<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n$44<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n$48<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n(57)%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n(60)%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nConsumer loans held for sale<\/p>\n<\/td>\n

\n

\n698<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n623<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n584<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n12%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n20%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nTotal average loans and leases held for sale<\/p>\n<\/td>\n

\n

\n$717<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n$667<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n$632<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n7%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n13%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nTotal average loans and leases<\/p>\n<\/td>\n

\n

\n$124,147<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n$123,993<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n$118,492<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u2014<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n5%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nSecurities (taxable and tax-exempt)<\/p>\n<\/td>\n

\n

\n$52,512<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n$54,592<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n$56,702<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n(4)%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n(7)%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nOther short-term investments<\/p>\n<\/td>\n

\n

\n17,485<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n14,915<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n18,319<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n17%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n(5)%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nTotal average interest-earning assets<\/p>\n<\/td>\n

\n

\n$194,144<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n$193,500<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n$193,513<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u2014<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u2014<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n<\/table>\n

\nTotal 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.<\/p>\n

\nCompared 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.<\/p>\n

\nAverage 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.<\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
\n

\n\u00a0<\/p>\n<\/td>\n

\n

End of Period Interest-Earning Assets<\/b><\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

($ in millions)<\/b><\/p>\n<\/td>\n

\n

\nAs of<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n% Change<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nDecember<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nSeptember<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nDecember<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n2025<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n2025<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n2024<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nSeq<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nYr\/Yr<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

End of Period Portfolio Loans and Leases<\/b><\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nTotal commercial loans and leases<\/p>\n<\/td>\n

\n

\n$73,562<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n$74,423<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n$73,293<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n(1)%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u2014<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nTotal consumer loans<\/p>\n<\/td>\n

\n

\n49,089<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n48,707<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n46,498<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n1%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n6%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nTotal portfolio loans and leases<\/p>\n<\/td>\n

\n

\n$122,651<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n$123,130<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n$119,791<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u2014<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n2%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

End of Period Loans and Leases Held for Sale<\/b><\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nTotal loans and leases held for sale<\/p>\n<\/td>\n

\n

\n$733<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n$576<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n$640<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n27%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n15%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nTotal loans and leases<\/p>\n<\/td>\n

\n

\n$123,384<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n$123,706<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n$120,431<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u2014<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n2%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nSecurities (taxable and tax-exempt)<\/p>\n<\/td>\n

\n

\n$51,961<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n$52,680<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n$56,713<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n(1)%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n(8)%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nOther short-term investments<\/p>\n<\/td>\n

\n

\n18,876<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n17,215<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n17,120<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n10%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n10%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nTotal interest-earning assets<\/p>\n<\/td>\n

\n

\n$194,221<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n$193,601<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n$194,264<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u2014<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u2014<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n<\/table>\n

\nPeriod-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.<\/p>\n

\nPeriod-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.<\/p>\n

\nTotal 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.<\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
\n

Average Deposits<\/b><\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

($ in millions)<\/b><\/p>\n<\/td>\n

\n

\nFor the Three Months Ended<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n% Change<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nDecember<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nSeptember<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nDecember<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n2025<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n2025<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n2024<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nSeq<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nYr\/Yr<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

Average Deposits<\/b><\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nDemand<\/p>\n<\/td>\n

\n

\n$41,771<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n$41,235<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n$40,137<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n1%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n4%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nInterest checking<\/p>\n<\/td>\n

\n

\n58,612<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n56,624<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n59,441<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n4%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n(1)%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nSavings<\/p>\n<\/td>\n

\n

\n16,103<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n16,376<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n17,257<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n(2)%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n(7)%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nMoney market<\/p>\n<\/td>\n

\n

\n39,409<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n37,434<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n37,279<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n5%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n6%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nTotal transaction deposits<\/p>\n<\/td>\n

\n

\n$155,895<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n$151,669<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n$154,114<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n3%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n1%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nCDs $250,000 or less<\/p>\n<\/td>\n

\n

\n10,541<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n10,841<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n10,592<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n(3)%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u2014<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nTotal core deposits<\/p>\n<\/td>\n

\n

\n$166,436<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n$162,510<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n$164,706<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n2%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n1%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nCDs over $250,0001<\/sup><\/i><\/p>\n<\/td>\n

\n

\n1,948<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n2,244<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n2,531<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n(13)%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n(23)%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nTotal average deposits<\/p>\n<\/td>\n

\n

\n$168,384<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n$164,754<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n$167,237<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n2%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n1%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

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.<\/i><\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n<\/table>\n

\nTotal 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%.<\/p>\n

\nCompared 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%.<\/p>\n

\nThe 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.<\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
\n

Average Wholesale Funding<\/b><\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

($ in millions)<\/b><\/p>\n<\/td>\n

\n

\nFor the Three Months Ended<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n% Change<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nDecember<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nSeptember<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nDecember<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n2025<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n2025<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n2024<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nSeq<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nYr\/Yr<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

Average Wholesale Funding<\/b><\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nCDs over $250,0001<\/sup><\/i><\/p>\n<\/td>\n

\n

\n$1,948<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n$2,244<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n$2,531<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n(13)%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n(23)%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nFederal funds purchased<\/p>\n<\/td>\n

\n

\n204<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n198<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n223<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n3%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n(9)%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nSecurities sold under repurchase agreements<\/p>\n<\/td>\n

\n

\n365<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n376<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n313<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n(3)%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n17%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nFHLB advances<\/p>\n<\/td>\n

\n

\n2,552<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n4,920<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n1,567<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n(48)%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n63%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nDerivative collateral and other secured borrowings<\/p>\n<\/td>\n

\n

\n84<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n82<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n76<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n2%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n11%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nLong-term debt<\/p>\n<\/td>\n

\n

\n13,700<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n14,001<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n15,492<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n(2)%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n(12)%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nTotal average wholesale funding<\/p>\n<\/td>\n

\n

\n$18,853<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n$21,821<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n$20,202<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n(14)%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n(7)%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

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.<\/i><\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n<\/table>\n

\nAverage 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.<\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
\n

Credit Quality Summary<\/b><\/p>\n<\/td>\n<\/tr>\n

\n

($ in millions)<\/b><\/p>\n<\/td>\n

\n

\nAs of and For the Three Months Ended<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nDecember<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nSeptember<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nJune<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nMarch<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nDecember<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n2025<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n2025<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n2025<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n2025<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n2024<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\nTotal nonaccrual portfolio loans and leases (NPLs)<\/p>\n<\/td>\n

\n

\n$767<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n$768<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n$853<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n$966<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n$823<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\nRepossessed property<\/p>\n<\/td>\n

\n

\n11<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n12<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n8<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n9<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n9<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\nOREO<\/p>\n<\/td>\n

\n

\n19<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n21<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n25<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n21<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n21<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\nTotal nonperforming portfolio loans and leases and OREO (NPAs)<\/p>\n<\/td>\n

\n

\n$797<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n$801<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n$886<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n$996<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n$853<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\nNPL ratio(g)<\/sup><\/i><\/p>\n<\/td>\n

\n

\n0.62%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n0.62%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n0.70%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n0.79%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n0.69%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\nNPA ratio(c)<\/sup><\/i><\/p>\n<\/td>\n

\n

\n0.65%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n0.65%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n0.72%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n0.81%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n0.71%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\nPortfolio loans and leases 30-89 days past due (accrual)<\/p>\n<\/td>\n

\n

\n$360<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n$348<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n$277<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n$385<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n$303<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\nPortfolio loans and leases 90 days past due (accrual)<\/p>\n<\/td>\n

\n

\n30<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n29<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n34<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n33<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n32<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n30-89 days past due as a % of portfolio loans and leases<\/p>\n<\/td>\n

\n

\n0.29%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n0.28%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n0.23%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n0.31%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n0.25%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n90 days past due as a % of portfolio loans and leases<\/p>\n<\/td>\n

\n

\n0.02%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n0.02%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n0.03%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n0.03%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n0.03%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\nAllowance for loan and lease losses (ALLL), beginning<\/p>\n<\/td>\n

\n

\n$2,265<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n$2,412<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n$2,384<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n$2,352<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n$2,305<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\nTotal net losses charged-off<\/p>\n<\/td>\n

\n

\n(125)<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n(339)<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n(139)<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n(136)<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n(136)<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\nProvision for loan and lease losses<\/p>\n<\/td>\n

\n

\n113<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n192<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n167<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n168<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n183<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\nALLL, ending<\/p>\n<\/td>\n

\n

\n$2,253<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n$2,265<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n$2,412<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n$2,384<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n$2,352<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\nReserve for unfunded commitments, beginning<\/p>\n<\/td>\n

\n

\n$151<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n$146<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n$140<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n$134<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n$138<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\nProvision for (benefit from) the reserve for unfunded commitments<\/p>\n<\/td>\n

\n

\n6<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n5<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n6<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n6<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n(4)<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\nReserve for unfunded commitments, ending<\/p>\n<\/td>\n

\n

\n$157<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n$151<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n$146<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n$140<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n$134<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\nTotal allowance for credit losses (ACL)<\/p>\n<\/td>\n

\n

\n$2,410<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n$2,416<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n$2,558<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n$2,524<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n$2,486<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\nACL ratios:<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\nAs a % of portfolio loans and leases<\/p>\n<\/td>\n

\n

\n1.96%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n1.96%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n2.09%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n2.07%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n2.08%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\nAs a % of nonperforming portfolio loans and leases<\/p>\n<\/td>\n

\n

\n314%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n314%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n300%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n261%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n302%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\nAs a % of nonperforming portfolio assets<\/p>\n<\/td>\n

\n

\n302%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n302%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n289%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n253%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n291%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\nALLL as a % of portfolio loans and leases<\/p>\n<\/td>\n

\n

\n1.84%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n1.84%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n1.97%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n1.95%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n1.96%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\nTotal losses charged-off<\/p>\n<\/td>\n

\n

\n$(177)<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n$(382)<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n$(194)<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n$(173)<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n$(175)<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\nTotal recoveries of losses previously charged-off<\/p>\n<\/td>\n

\n

\n52<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n43<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n55<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n37<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n39<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\nTotal net losses charged-off<\/p>\n<\/td>\n

\n

\n$(125)<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n$(339)<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n$(139)<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n$(136)<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n$(136)<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\nNet charge-off ratio (NCO ratio)(b)<\/sup><\/i><\/p>\n<\/td>\n

\n

\n0.40%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n1.09%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n0.45%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n0.46%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n0.46%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\nCommercial NCO ratio<\/p>\n<\/td>\n

\n

\n0.27%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n1.46%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n0.38%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n0.35%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n0.32%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\nConsumer NCO ratio<\/p>\n<\/td>\n

\n

\n0.59%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n0.52%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n0.56%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n0.63%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n0.68%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n<\/table>\n

\nThe 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.<\/p>\n

\nNet 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 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.<\/p>\n

\nCompared 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.<\/p>\n

\nNonperforming 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.<\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
\n

\n\u00a0<\/p>\n<\/td>\n

\n

Capital Position<\/b><\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nAs of and For the Three Months Ended<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nDecember<\/p>\n<\/td>\n

\n

\nSeptember<\/p>\n<\/td>\n

\n

\nJune<\/p>\n<\/td>\n

\n

\nMarch<\/p>\n<\/td>\n

\n

\nDecember<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n2025<\/p>\n<\/td>\n

\n

\n2025<\/p>\n<\/td>\n

\n

\n2025<\/p>\n<\/td>\n

\n

\n2025<\/p>\n<\/td>\n

\n

\n2024<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

Capital Position<\/b><\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nAverage total Bancorp shareholders’ equity as a % of average assets<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n10.11%<\/p>\n<\/td>\n

\n

\n10.02%<\/p>\n<\/td>\n

\n

\n9.82%<\/p>\n<\/td>\n

\n

\n9.50%<\/p>\n<\/td>\n

\n

\n9.40%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nTangible equity(a)<\/sup><\/i><\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n9.28%<\/p>\n<\/td>\n

\n

\n9.12%<\/p>\n<\/td>\n

\n

\n9.39%<\/p>\n<\/td>\n

\n

\n9.07%<\/p>\n<\/td>\n

\n

\n9.02%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nTangible common equity (excluding AOCI)(a)<\/sup><\/i><\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n8.46%<\/p>\n<\/td>\n

\n

\n8.29%<\/p>\n<\/td>\n

\n

\n8.38%<\/p>\n<\/td>\n

\n

\n8.07%<\/p>\n<\/td>\n

\n

\n8.03%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nTangible common equity (including AOCI)(a)<\/sup><\/i><\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n7.14%<\/p>\n<\/td>\n

\n

\n6.89%<\/p>\n<\/td>\n

\n

\n6.84%<\/p>\n<\/td>\n

\n

\n6.40%<\/p>\n<\/td>\n

\n

\n6.02%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

Regulatory Capital Ratios<\/b>(d)(e)<\/sup><\/i><\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nCET1 capital<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n10.77%<\/p>\n<\/td>\n

\n

\n10.57%<\/p>\n<\/td>\n

\n

\n10.58%<\/p>\n<\/td>\n

\n

\n10.43%<\/p>\n<\/td>\n

\n

\n10.57%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nTier 1 risk-based capital<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n11.82%<\/p>\n<\/td>\n

\n

\n11.63%<\/p>\n<\/td>\n

\n

\n11.85%<\/p>\n<\/td>\n

\n

\n11.71%<\/p>\n<\/td>\n

\n

\n11.86%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nTotal risk-based capital<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n13.73%<\/p>\n<\/td>\n

\n

\n13.54%<\/p>\n<\/td>\n

\n

\n13.77%<\/p>\n<\/td>\n

\n

\n13.63%<\/p>\n<\/td>\n

\n

\n13.86%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nLeverage<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n9.42%<\/p>\n<\/td>\n

\n

\n9.24%<\/p>\n<\/td>\n

\n

\n9.42%<\/p>\n<\/td>\n

\n

\n9.23%<\/p>\n<\/td>\n

\n

\n9.22%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n<\/table>\n

\nCET1 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.<\/p>\n

Tax Rate<\/b><\/p>\n

\nThe 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.<\/p>\n

Conference Call<\/b><\/p>\n

\nFifth 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<\/a> (click on \u201cAbout Us\u201d then \u201cInvestor Relations\u201d). 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.<\/p>\n

Corporate Profile<\/b><\/p>\n

\nFifth Third is a bank that\u2019s as long on innovation as it is on history. Since 1858, we\u2019ve been helping individuals, families, businesses and communities grow through smart financial services that improve lives. Our list of firsts is extensive, and it\u2019s 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\u2019s Most Ethical Companies\u00ae 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\u2019s highest performing regional bank, but to be the bank people most value and trust.<\/p>\n

\nFifth 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\u00ae Global Select Market under the symbol \u201cFITB.\u201d Investor information and press releases can be viewed at www.53.com<\/a>.<\/p>\n

Earnings Release End Notes<\/b><\/p>\n\n\n\n\n\n\n\n\n
\n

(a)<\/i><\/p>\n<\/td>\n

\n

Non-GAAP measure; see discussion of non-GAAP reconciliation beginning on page 27.<\/i><\/p>\n<\/td>\n<\/tr>\n

\n

(b)<\/i><\/p>\n<\/td>\n

\n

Net losses charged-off as a percent of average portfolio loans and leases presented on an annualized basis.<\/i><\/p>\n<\/td>\n<\/tr>\n

\n

(c)<\/i><\/p>\n<\/td>\n

\n

Nonperforming portfolio assets as a percent of portfolio loans and leases and OREO.<\/i><\/p>\n<\/td>\n<\/tr>\n

\n

(d)<\/i><\/p>\n<\/td>\n

\n

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.<\/i><\/p>\n<\/td>\n<\/tr>\n

\n

(e)<\/i><\/p>\n<\/td>\n

\n

Current period regulatory capital ratios are estimated.<\/i><\/p>\n<\/td>\n<\/tr>\n

\n

(f)<\/i><\/p>\n<\/td>\n

\n

Assumes a 24% tax rate.<\/i><\/p>\n<\/td>\n<\/tr>\n

\n

(g)<\/i><\/p>\n<\/td>\n

\n

Nonperforming portfolio loans and leases as a percent of portfolio loans and leases.<\/i><\/p>\n<\/td>\n<\/tr>\n<\/table>\n

FORWARD-LOOKING STATEMENTS<\/b><\/p>\n

This release contains statements that we believe are \u201cforward-looking statements\u201d 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 \u201cwill likely result,\u201d \u201cmay,\u201d \u201care expected to,\u201d \u201cis anticipated,\u201d \u201cpotential,\u201d \u201cestimate,\u201d \u201cforecast,\u201d \u201cprojected,\u201d \u201cintends to,\u201d or may include other similar words or phrases such as \u201cbelieves,\u201d \u201cplans,\u201d \u201ctrend,\u201d \u201cobjective,\u201d \u201ccontinue,\u201d \u201cremain,\u201d or similar expressions, or future or conditional verbs such as \u201cwill,\u201d \u201cwould,\u201d \u201cshould,\u201d \u201ccould,\u201d \u201cmight,\u201d \u201ccan,\u201d 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 (\u201cSEC\u201d).<\/i><\/p>\n

There are a number of important factors that could cause future results to differ materially from historical performance and these forward-looking statements. Factors that might cause such a difference include, but are not limited to: (1) deteriorating credit quality; (2) loan concentration by location or industry of borrowers or collateral; (3) problems encountered by other financial institutions; (4) inadequate sources of funding or liquidity; (5) unfavorable actions of rating agencies; (6) inability to maintain or grow deposits; (7) limitations on the ability to receive dividends from subsidiaries; (8) cyber-security risks; (9) Fifth Third\u2019s ability to secure confidential information and deliver products and services through the use of computer systems and telecommunications networks; (10) failures by third-party service providers; (11) inability to manage strategic initiatives and\/or organizational changes; (12) inability to implement technology system enhancements, including the use of artificial intelligence; (13) failure of internal controls and other risk management programs; (14) losses related to fraud, theft, misappropriation or violence; (15) inability to attract and retain skilled personnel; (16) adverse impacts of government regulation; (17) governmental or regulatory changes or other actions; (18) failures to meet applicable capital requirements; (19) regulatory objections to Fifth Third\u2019s capital plan; (20) regulation of Fifth Third\u2019s derivatives activities; (21) deposit insurance premiums; (22) assessments for the orderly liquidation fund; (23) weakness in the national or local economies; (24) global political and economic uncertainty or negative actions; (25) changes in interest rates and the effects of inflation; (26) changes in U.S. trade policies, including the imposition of tariffs and retaliatory tariffs; (27) changes and trends in capital markets; (28) fluctuation of Fifth Third\u2019s stock price; (29) volatility in mortgage banking revenue; (30) litigation, investigations, and enforcement proceedings; (31) breaches of contractual covenants, representations and warranties; (32) competition and changes in the financial services industry; (33) potential impacts of the adoption of real-time payment networks; (34) changing retail distribution strategies, customer preferences and behavior; (35) difficulties in identifying, acquiring or integrating suitable strategic partnerships, investments or acquisitions; (36) potential dilution from future acquisitions; (37) loss of income and\/or difficulties encountered in the sale and separation of businesses, investments or other assets; (38) results of investments or acquired entities; (39) changes in accounting standards or interpretation or declines in the value of Fifth Third\u2019s goodwill or other intangible assets; (40) inaccuracies or other failures from the use of models; (41) effects of critical accounting policies and judgments or the use of inaccurate estimates; (42) weather-related events, other natural disasters, or health emergencies (including pandemics); (43) the impact of reputational risk created by these or other developments on such matters as business generation and retention, funding and liquidity; (44) changes in law or requirements imposed by Fifth Third\u2019s regulators impacting our capital actions, including dividend payments and stock repurchases; (45) Fifth Third’s ability to meet its environmental and\/or social targets, goals and commitments; and (46) risks relating to the pending merger with Comerica Incorporated, including Fifth Third\u2019s inability to realize the anticipated benefits of the pending merger, the failure to satisfy the closing conditions of the pending merger or an unexpected delay in the closing of the pending merger and the disruption of Fifth Third\u2019s business as a result of the pending merger.<\/i><\/p>\n

You should refer to our periodic and current reports filed with the Securities and Exchange Commission, or \u201cSEC,\u201d 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.<\/i><\/p>\n

Quarterly Financial Review for December 31, 2025<\/b><\/p>\n

Table of Contents<\/b><\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nFinancial Highlights<\/p>\n<\/td>\n

\n

\n14-15<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nConsolidated Statements of Income<\/p>\n<\/td>\n

\n

\n16-17<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nConsolidated Balance Sheets<\/p>\n<\/td>\n

\n

\n18-19<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nConsolidated Statements of Changes in Equity<\/p>\n<\/td>\n

\n

\n20<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nAverage Balance Sheets and Yield\/Rate Analysis<\/p>\n<\/td>\n

\n

\n21-22<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nSummary of Loans and Leases<\/p>\n<\/td>\n

\n

\n23<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nRegulatory Capital<\/p>\n<\/td>\n

\n

\n24<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nSummary of Credit Loss Experience<\/p>\n<\/td>\n

\n

\n25<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nAsset Quality<\/p>\n<\/td>\n

\n

\n26<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nNon-GAAP Reconciliation<\/p>\n<\/td>\n

\n

\n27-29<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nSegment Presentation<\/p>\n<\/td>\n

\n

\n30<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n<\/table>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
\n

Fifth Third Bancorp and Subsidiaries<\/b><\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\nFinancial Highlights<\/p>\n<\/td>\n

\n

\nAs of and For the<\/p>\n<\/td>\n

\n

\n% \/ bps<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n% \/ bps<\/p>\n<\/td>\n<\/tr>\n

\n

\n$ in millions, except per share data<\/p>\n<\/td>\n

\n

\nThree Months Ended<\/p>\n<\/td>\n

\n

\nChange<\/p>\n<\/td>\n

\n

\nYear to Date<\/p>\n<\/td>\n

\n

\nChange<\/p>\n<\/td>\n<\/tr>\n

\n

\n(unaudited)<\/p>\n<\/td>\n

\n

\nDecember<\/p>\n<\/td>\n

\n

\nSeptember<\/p>\n<\/td>\n

\n

\nDecember<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nDecember<\/p>\n<\/td>\n

\n

\nDecember<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n2025<\/p>\n<\/td>\n

\n

\n2025<\/p>\n<\/td>\n

\n

\n2024<\/p>\n<\/td>\n

\n

\nSeq<\/p>\n<\/td>\n

\n

\nYr\/Yr<\/p>\n<\/td>\n

\n

\n2025<\/p>\n<\/td>\n

\n

\n2024<\/p>\n<\/td>\n

\n

\nYr\/Yr<\/p>\n<\/td>\n<\/tr>\n

\n

Income Statement Data<\/b><\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\nNet interest income<\/p>\n<\/td>\n

\n

\n$1,529<\/p>\n<\/td>\n

\n

\n$1,520<\/p>\n<\/td>\n

\n

\n$1,437<\/p>\n<\/td>\n

\n

\n1%<\/p>\n<\/td>\n

\n

\n6%<\/p>\n<\/td>\n

\n

\n$5,982<\/p>\n<\/td>\n

\n

\n$5,630<\/p>\n<\/td>\n

\n

\n6%<\/p>\n<\/td>\n<\/tr>\n

\n

\nNet interest income (FTE)(a)<\/sup><\/i><\/p>\n<\/td>\n

\n

\n1,533<\/p>\n<\/td>\n

\n

\n1,525<\/p>\n<\/td>\n

\n

\n1,443<\/p>\n<\/td>\n

\n

\n1%<\/p>\n<\/td>\n

\n

\n6%<\/p>\n<\/td>\n

\n

\n6,002<\/p>\n<\/td>\n

\n

\n5,654<\/p>\n<\/td>\n

\n

\n6%<\/p>\n<\/td>\n<\/tr>\n

\n

\nNoninterest income<\/p>\n<\/td>\n

\n

\n811<\/p>\n<\/td>\n

\n

\n781<\/p>\n<\/td>\n

\n

\n732<\/p>\n<\/td>\n

\n

\n4%<\/p>\n<\/td>\n

\n

\n11%<\/p>\n<\/td>\n

\n

\n3,035<\/p>\n<\/td>\n

\n

\n2,849<\/p>\n<\/td>\n

\n

\n7%<\/p>\n<\/td>\n<\/tr>\n

\n

\nTotal revenue (FTE)(a)<\/sup><\/i><\/p>\n<\/td>\n

\n

\n2,344<\/p>\n<\/td>\n

\n

\n2,306<\/p>\n<\/td>\n

\n

\n2,175<\/p>\n<\/td>\n

\n

\n2%<\/p>\n<\/td>\n

\n

\n8%<\/p>\n<\/td>\n

\n

\n9,037<\/p>\n<\/td>\n

\n

\n8,503<\/p>\n<\/td>\n

\n

\n6%<\/p>\n<\/td>\n<\/tr>\n

\n

\nProvision for credit losses<\/p>\n<\/td>\n

\n

\n119<\/p>\n<\/td>\n

\n

\n197<\/p>\n<\/td>\n

\n

\n179<\/p>\n<\/td>\n

\n

\n(40%)<\/p>\n<\/td>\n

\n

\n(34%)<\/p>\n<\/td>\n

\n

\n662<\/p>\n<\/td>\n

\n

\n530<\/p>\n<\/td>\n

\n

\n25%<\/p>\n<\/td>\n<\/tr>\n

\n

\nNoninterest expense<\/p>\n<\/td>\n

\n

\n1,309<\/p>\n<\/td>\n

\n

\n1,267<\/p>\n<\/td>\n

\n

\n1,226<\/p>\n<\/td>\n

\n

\n3%<\/p>\n<\/td>\n

\n

\n7%<\/p>\n<\/td>\n

\n

\n5,144<\/p>\n<\/td>\n

\n

\n5,033<\/p>\n<\/td>\n

\n

\n2%<\/p>\n<\/td>\n<\/tr>\n

\n

\nNet income<\/p>\n<\/td>\n

\n

\n731<\/p>\n<\/td>\n

\n

\n649<\/p>\n<\/td>\n

\n

\n620<\/p>\n<\/td>\n

\n

\n13%<\/p>\n<\/td>\n

\n

\n18%<\/p>\n<\/td>\n

\n

\n2,522<\/p>\n<\/td>\n

\n

\n2,314<\/p>\n<\/td>\n

\n

\n9%<\/p>\n<\/td>\n<\/tr>\n

\n

\nNet income available to common shareholders<\/p>\n<\/td>\n

\n

\n699<\/p>\n<\/td>\n

\n

\n608<\/p>\n<\/td>\n

\n

\n582<\/p>\n<\/td>\n

\n

\n15%<\/p>\n<\/td>\n

\n

\n20%<\/p>\n<\/td>\n

\n

\n2,376<\/p>\n<\/td>\n

\n

\n2,155<\/p>\n<\/td>\n

\n

\n10%<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

Earnings Per Share Data<\/b><\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\nNet income allocated to common shareholders<\/p>\n<\/td>\n

\n

\n$699<\/p>\n<\/td>\n

\n

\n$608<\/p>\n<\/td>\n

\n

\n$582<\/p>\n<\/td>\n

\n

\n15%<\/p>\n<\/td>\n

\n

\n20%<\/p>\n<\/td>\n

\n

\n$2,376<\/p>\n<\/td>\n

\n

\n$2,155<\/p>\n<\/td>\n

\n

\n10%<\/p>\n<\/td>\n<\/tr>\n

\n

\nAverage common shares outstanding (in thousands):<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\nBasic<\/p>\n<\/td>\n

\n

\n664,384<\/p>\n<\/td>\n

\n

\n666,427<\/p>\n<\/td>\n

\n

\n675,307<\/p>\n<\/td>\n

\n

\n\u2014<\/p>\n<\/td>\n

\n

\n(2%)<\/p>\n<\/td>\n

\n

\n668,140<\/p>\n<\/td>\n

\n

\n682,161<\/p>\n<\/td>\n

\n

\n(2%)<\/p>\n<\/td>\n<\/tr>\n

\n

\nDiluted<\/p>\n<\/td>\n

\n

\n669,153<\/p>\n<\/td>\n

\n

\n670,878<\/p>\n<\/td>\n

\n

\n681,456<\/p>\n<\/td>\n

\n

\n\u2014<\/p>\n<\/td>\n

\n

\n(2%)<\/p>\n<\/td>\n

\n

\n672,503<\/p>\n<\/td>\n

\n

\n687,301<\/p>\n<\/td>\n

\n

\n(2%)<\/p>\n<\/td>\n<\/tr>\n

\n

\nEarnings per share, basic<\/p>\n<\/td>\n

\n

\n$1.05<\/p>\n<\/td>\n

\n

\n$0.91<\/p>\n<\/td>\n

\n

\n$0.86<\/p>\n<\/td>\n

\n

\n15%<\/p>\n<\/td>\n

\n

\n22%<\/p>\n<\/td>\n

\n

\n$3.56<\/p>\n<\/td>\n

\n

\n$3.16<\/p>\n<\/td>\n

\n

\n13%<\/p>\n<\/td>\n<\/tr>\n

\n

\nEarnings per share, diluted<\/p>\n<\/td>\n

\n

\n1.04<\/p>\n<\/td>\n

\n

\n0.91<\/p>\n<\/td>\n

\n

\n0.85<\/p>\n<\/td>\n

\n

\n14%<\/p>\n<\/td>\n

\n

\n22%<\/p>\n<\/td>\n

\n

\n3.53<\/p>\n<\/td>\n

\n

\n3.14<\/p>\n<\/td>\n

\n

\n12%<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

Common Share Data<\/b><\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\nCash dividends per common share<\/p>\n<\/td>\n

\n

\n$0.40<\/p>\n<\/td>\n

\n

\n$0.40<\/p>\n<\/td>\n

\n

\n$0.37<\/p>\n<\/td>\n

\n

\n\u2014<\/p>\n<\/td>\n

\n

\n8%<\/p>\n<\/td>\n

\n

\n$1.54<\/p>\n<\/td>\n

\n

\n$1.44<\/p>\n<\/td>\n

\n

\n7%<\/p>\n<\/td>\n<\/tr>\n

\n

\nBook value per share<\/p>\n<\/td>\n

\n

\n30.18<\/p>\n<\/td>\n

\n

\n29.26<\/p>\n<\/td>\n

\n

\n26.17<\/p>\n<\/td>\n

\n

\n3%<\/p>\n<\/td>\n

\n

\n15%<\/p>\n<\/td>\n

\n

\n30.18<\/p>\n<\/td>\n

\n

\n26.17<\/p>\n<\/td>\n

\n

\n15%<\/p>\n<\/td>\n<\/tr>\n

\n

\nMarket value per share<\/p>\n<\/td>\n

\n

\n46.81<\/p>\n<\/td>\n

\n

\n44.55<\/p>\n<\/td>\n

\n

\n42.28<\/p>\n<\/td>\n

\n

\n5%<\/p>\n<\/td>\n

\n

\n11%<\/p>\n<\/td>\n

\n

\n46.81<\/p>\n<\/td>\n

\n

\n42.28<\/p>\n<\/td>\n

\n

\n11%<\/p>\n<\/td>\n<\/tr>\n

\n

\nCommon shares outstanding (in thousands)<\/p>\n<\/td>\n

\n

\n661,198<\/p>\n<\/td>\n

\n

\n660,973<\/p>\n<\/td>\n

\n

\n669,854<\/p>\n<\/td>\n

\n

\n\u2014<\/p>\n<\/td>\n

\n

\n(1%)<\/p>\n<\/td>\n

\n

\n661,198<\/p>\n<\/td>\n

\n

\n669,854<\/p>\n<\/td>\n

\n

\n(1%)<\/p>\n<\/td>\n<\/tr>\n

\n

\nMarket capitalization<\/p>\n<\/td>\n

\n

\n$30,951<\/p>\n<\/td>\n

\n

\n$29,446<\/p>\n<\/td>\n

\n

\n$28,321<\/p>\n<\/td>\n

\n

\n5%<\/p>\n<\/td>\n

\n

\n9%<\/p>\n<\/td>\n

\n

\n$30,951<\/p>\n<\/td>\n

\n

\n$28,321<\/p>\n<\/td>\n

\n

\n9%<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

Financial Ratios<\/b><\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\nReturn on average assets<\/p>\n<\/td>\n

\n

\n1.36%<\/p>\n<\/td>\n

\n

\n1.21%<\/p>\n<\/td>\n

\n

\n1.17%<\/p>\n<\/td>\n

\n

\n15<\/p>\n<\/td>\n

\n

\n19<\/p>\n<\/td>\n

\n

\n1.19%<\/p>\n<\/td>\n

\n

\n1.09%<\/p>\n<\/td>\n

\n

\n10<\/p>\n<\/td>\n<\/tr>\n

\n

\nReturn on average common equity<\/p>\n<\/td>\n

\n

\n14.0%<\/p>\n<\/td>\n

\n

\n12.6%<\/p>\n<\/td>\n

\n

\n13.0%<\/p>\n<\/td>\n

\n

\n140<\/p>\n<\/td>\n

\n

\n100<\/p>\n<\/td>\n

\n

\n12.6%<\/p>\n<\/td>\n

\n

\n12.5%<\/p>\n<\/td>\n

\n

\n10<\/p>\n<\/td>\n<\/tr>\n

\n

\nReturn on average tangible common equity(a)<\/sup><\/i><\/p>\n<\/td>\n

\n

\n19.0%<\/p>\n<\/td>\n

\n

\n17.3%<\/p>\n<\/td>\n

\n

\n18.4%<\/p>\n<\/td>\n

\n

\n170<\/p>\n<\/td>\n

\n

\n60<\/p>\n<\/td>\n

\n

\n17.4%<\/p>\n<\/td>\n

\n

\n17.8%<\/p>\n<\/td>\n

\n

\n(40)<\/p>\n<\/td>\n<\/tr>\n

\n

\nNoninterest income as a percent of total revenue(a)<\/sup><\/i><\/p>\n<\/td>\n

\n

\n35%<\/p>\n<\/td>\n

\n

\n34%<\/p>\n<\/td>\n

\n

\n34%<\/p>\n<\/td>\n

\n

\n100<\/p>\n<\/td>\n

\n

\n100<\/p>\n<\/td>\n

\n

\n34%<\/p>\n<\/td>\n

\n

\n34%<\/p>\n<\/td>\n

\n

\n\u2014<\/p>\n<\/td>\n<\/tr>\n

\n

\nDividend payout<\/p>\n<\/td>\n

\n

\n38.1%<\/p>\n<\/td>\n

\n

\n44.0%<\/p>\n<\/td>\n

\n

\n43.0%<\/p>\n<\/td>\n

\n

\n(590)<\/p>\n<\/td>\n

\n

\n(490)<\/p>\n<\/td>\n

\n

\n43.3%<\/p>\n<\/td>\n

\n

\n45.6%<\/p>\n<\/td>\n

\n

\n(230)<\/p>\n<\/td>\n<\/tr>\n

\n

\nAverage total Bancorp shareholders\u2019 equity as a percent of average assets<\/p>\n<\/td>\n

\n

\n10.11%<\/p>\n<\/td>\n

\n

\n10.02%<\/p>\n<\/td>\n

\n

\n9.40%<\/p>\n<\/td>\n

\n

\n9<\/p>\n<\/td>\n

\n

\n71<\/p>\n<\/td>\n

\n

\n9.86%<\/p>\n<\/td>\n

\n

\n9.12%<\/p>\n<\/td>\n

\n

\n74<\/p>\n<\/td>\n<\/tr>\n

\n

\nTangible common equity(a)<\/sup><\/i><\/p>\n<\/td>\n

\n

\n8.46%<\/p>\n<\/td>\n

\n

\n8.29%<\/p>\n<\/td>\n

\n

\n8.03%<\/p>\n<\/td>\n

\n

\n17<\/p>\n<\/td>\n

\n

\n43<\/p>\n<\/td>\n

\n

\n8.46%<\/p>\n<\/td>\n

\n

\n8.03%<\/p>\n<\/td>\n

\n

\n43<\/p>\n<\/td>\n<\/tr>\n

\n

\nNet interest margin (FTE)(a)<\/sup><\/i><\/p>\n<\/td>\n

\n

\n3.13%<\/p>\n<\/td>\n

\n

\n3.13%<\/p>\n<\/td>\n

\n

\n2.97%<\/p>\n<\/td>\n

\n

\n\u2014<\/p>\n<\/td>\n

\n

\n16<\/p>\n<\/td>\n

\n

\n3.11%<\/p>\n<\/td>\n

\n

\n2.90%<\/p>\n<\/td>\n

\n

\n21<\/p>\n<\/td>\n<\/tr>\n

\n

\nEfficiency (FTE)(a)<\/sup><\/i><\/p>\n<\/td>\n

\n

\n55.8%<\/p>\n<\/td>\n

\n

\n54.9%<\/p>\n<\/td>\n

\n

\n56.4%<\/p>\n<\/td>\n

\n

\n90<\/p>\n<\/td>\n

\n

\n(60)<\/p>\n<\/td>\n

\n

\n56.9%<\/p>\n<\/td>\n

\n

\n59.2%<\/p>\n<\/td>\n

\n

\n(230)<\/p>\n<\/td>\n<\/tr>\n

\n

\nEffective tax rate<\/p>\n<\/td>\n

\n

\n19.8%<\/p>\n<\/td>\n

\n

\n22.6%<\/p>\n<\/td>\n

\n

\n18.8%<\/p>\n<\/td>\n

\n

\n(280)<\/p>\n<\/td>\n

\n

\n100<\/p>\n<\/td>\n

\n

\n21.4%<\/p>\n<\/td>\n

\n

\n20.6%<\/p>\n<\/td>\n

\n

\n80<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

Credit Quality<\/b><\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\nNet losses charged-off<\/p>\n<\/td>\n

\n

\n$125<\/p>\n<\/td>\n

\n

\n$339<\/p>\n<\/td>\n

\n

\n$136<\/p>\n<\/td>\n

\n

\n(63%)<\/p>\n<\/td>\n

\n

\n(8%)<\/p>\n<\/td>\n

\n

\n$738<\/p>\n<\/td>\n

\n

\n$532<\/p>\n<\/td>\n

\n

\n39%<\/p>\n<\/td>\n<\/tr>\n

\n

\nNet losses charged-off as a percent of average portfolio loans and leases (annualized)<\/p>\n<\/td>\n

\n

\n0.40%<\/p>\n<\/td>\n

\n

\n1.09%<\/p>\n<\/td>\n

\n

\n0.46%<\/p>\n<\/td>\n

\n

\n(69)<\/p>\n<\/td>\n

\n

\n(6)<\/p>\n<\/td>\n

\n

\n0.60%<\/p>\n<\/td>\n

\n

\n0.45%<\/p>\n<\/td>\n

\n

\n15<\/p>\n<\/td>\n<\/tr>\n

\n

\nALLL as a percent of portfolio loans and leases<\/p>\n<\/td>\n

\n

\n1.84%<\/p>\n<\/td>\n

\n

\n1.84%<\/p>\n<\/td>\n

\n

\n1.96%<\/p>\n<\/td>\n

\n

\n\u2014<\/p>\n<\/td>\n

\n

\n(12)<\/p>\n<\/td>\n

\n

\n1.84%<\/p>\n<\/td>\n

\n

\n1.96%<\/p>\n<\/td>\n

\n

\n(12)<\/p>\n<\/td>\n<\/tr>\n

\n

\nACL as a percent of portfolio loans and leases(g)<\/sup><\/i><\/p>\n<\/td>\n

\n

\n1.96%<\/p>\n<\/td>\n

\n

\n1.96%<\/p>\n<\/td>\n

\n

\n2.08%<\/p>\n<\/td>\n

\n

\n\u2014<\/p>\n<\/td>\n

\n

\n(12)<\/p>\n<\/td>\n

\n

\n1.96%<\/p>\n<\/td>\n

\n

\n2.08%<\/p>\n<\/td>\n

\n

\n(12)<\/p>\n<\/td>\n<\/tr>\n

\n

\nNonperforming portfolio assets as a percent of portfolio loans and leases and OREO<\/p>\n<\/td>\n

\n

\n0.65%<\/p>\n<\/td>\n

\n

\n0.65%<\/p>\n<\/td>\n

\n

\n0.71%<\/p>\n<\/td>\n

\n

\n\u2014<\/p>\n<\/td>\n

\n

\n(6)<\/p>\n<\/td>\n

\n

\n0.65%<\/p>\n<\/td>\n

\n

\n0.71%<\/p>\n<\/td>\n

\n

\n(6)<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

Average Balances<\/b><\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\nLoans and leases, including held for sale<\/p>\n<\/td>\n

\n

\n$124,147<\/p>\n<\/td>\n

\n

\n$123,993<\/p>\n<\/td>\n

\n

\n$118,492<\/p>\n<\/td>\n

\n

\n\u2014<\/p>\n<\/td>\n

\n

\n5%<\/p>\n<\/td>\n

\n

\n$123,399<\/p>\n<\/td>\n

\n

\n$117,724<\/p>\n<\/td>\n

\n

\n5%<\/p>\n<\/td>\n<\/tr>\n

\n

\nSecurities and other short-term investments<\/p>\n<\/td>\n

\n

\n69,997<\/p>\n<\/td>\n

\n

\n69,507<\/p>\n<\/td>\n

\n

\n75,021<\/p>\n<\/td>\n

\n

\n1%<\/p>\n<\/td>\n

\n

\n(7%)<\/p>\n<\/td>\n

\n

\n69,889<\/p>\n<\/td>\n

\n

\n77,076<\/p>\n<\/td>\n

\n

\n(9%)<\/p>\n<\/td>\n<\/tr>\n

\n

\nAssets<\/p>\n<\/td>\n

\n

\n213,021<\/p>\n<\/td>\n

\n

\n211,770<\/p>\n<\/td>\n

\n

\n211,709<\/p>\n<\/td>\n

\n

\n1%<\/p>\n<\/td>\n

\n

\n1%<\/p>\n<\/td>\n

\n

\n211,483<\/p>\n<\/td>\n

\n

\n212,806<\/p>\n<\/td>\n

\n

\n(1%)<\/p>\n<\/td>\n<\/tr>\n

\n

\nTransaction deposits(b)<\/sup><\/i><\/p>\n<\/td>\n

\n

\n155,895<\/p>\n<\/td>\n

\n

\n151,669<\/p>\n<\/td>\n

\n

\n154,114<\/p>\n<\/td>\n

\n

\n3%<\/p>\n<\/td>\n

\n

\n1%<\/p>\n<\/td>\n

\n

\n152,479<\/p>\n<\/td>\n

\n

\n152,830<\/p>\n<\/td>\n

\n

\n\u2014<\/p>\n<\/td>\n<\/tr>\n

\n

\nCore deposits(c)<\/sup><\/i><\/p>\n<\/td>\n

\n

\n166,436<\/p>\n<\/td>\n

\n

\n162,510<\/p>\n<\/td>\n

\n

\n164,706<\/p>\n<\/td>\n

\n

\n2%<\/p>\n<\/td>\n

\n

\n1%<\/p>\n<\/td>\n

\n

\n163,044<\/p>\n<\/td>\n

\n

\n163,367<\/p>\n<\/td>\n

\n

\n\u2014<\/p>\n<\/td>\n<\/tr>\n

\n

\nWholesale funding(d)<\/sup><\/i><\/p>\n<\/td>\n

\n

\n18,853<\/p>\n<\/td>\n

\n

\n21,821<\/p>\n<\/td>\n

\n

\n20,202<\/p>\n<\/td>\n

\n

\n(14%)<\/p>\n<\/td>\n

\n

\n(7%)<\/p>\n<\/td>\n

\n

\n21,332<\/p>\n<\/td>\n

\n

\n23,135<\/p>\n<\/td>\n

\n

\n(8%)<\/p>\n<\/td>\n<\/tr>\n

\n

\nBancorp shareholders’ equity<\/p>\n<\/td>\n

\n

\n21,527<\/p>\n<\/td>\n

\n

\n21,216<\/p>\n<\/td>\n

\n

\n19,893<\/p>\n<\/td>\n

\n

\n1%<\/p>\n<\/td>\n

\n

\n8%<\/p>\n<\/td>\n

\n

\n20,858<\/p>\n<\/td>\n

\n

\n19,398<\/p>\n<\/td>\n

\n

\n8%<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

Regulatory Capital Ratios(e)(f)<\/sup><\/i><\/b><\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\nCET1 capital<\/p>\n<\/td>\n

\n

\n10.77%<\/p>\n<\/td>\n

\n

\n10.57%<\/p>\n<\/td>\n

\n

\n10.57%<\/p>\n<\/td>\n

\n

\n20<\/p>\n<\/td>\n

\n

\n20<\/p>\n<\/td>\n

\n

\n10.77%<\/p>\n<\/td>\n

\n

\n10.57%<\/p>\n<\/td>\n

\n

\n20<\/p>\n<\/td>\n<\/tr>\n

\n

\nTier 1 risk-based capital<\/p>\n<\/td>\n

\n

\n11.82%<\/p>\n<\/td>\n

\n

\n11.63%<\/p>\n<\/td>\n

\n

\n11.86%<\/p>\n<\/td>\n

\n

\n19<\/p>\n<\/td>\n

\n

\n(4)<\/p>\n<\/td>\n

\n

\n11.82%<\/p>\n<\/td>\n

\n

\n11.86%<\/p>\n<\/td>\n

\n

\n(4)<\/p>\n<\/td>\n<\/tr>\n

\n

\nTotal risk-based capital<\/p>\n<\/td>\n

\n

\n13.73%<\/p>\n<\/td>\n

\n

\n13.54%<\/p>\n<\/td>\n

\n

\n13.86%<\/p>\n<\/td>\n

\n

\n19<\/p>\n<\/td>\n

\n

\n(13)<\/p>\n<\/td>\n

\n

\n13.73%<\/p>\n<\/td>\n

\n

\n13.86%<\/p>\n<\/td>\n

\n

\n(13)<\/p>\n<\/td>\n<\/tr>\n

\n

\nLeverage<\/p>\n<\/td>\n

\n

\n9.42%<\/p>\n<\/td>\n

\n

\n9.24%<\/p>\n<\/td>\n

\n

\n9.22%<\/p>\n<\/td>\n

\n

\n18<\/p>\n<\/td>\n

\n

\n20<\/p>\n<\/td>\n

\n

\n9.42%<\/p>\n<\/td>\n

\n

\n9.22%<\/p>\n<\/td>\n

\n

\n20<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

Additional Metrics<\/b><\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\nBanking centers<\/p>\n<\/td>\n

\n

\n1,130<\/p>\n<\/td>\n

\n

\n1,102<\/p>\n<\/td>\n

\n

\n1,089<\/p>\n<\/td>\n

\n

\n3%<\/p>\n<\/td>\n

\n

\n4%<\/p>\n<\/td>\n

\n

\n1,130<\/p>\n<\/td>\n

\n

\n1,089<\/p>\n<\/td>\n

\n

\n4%<\/p>\n<\/td>\n<\/tr>\n

\n

\nATMs<\/p>\n<\/td>\n

\n

\n2,199<\/p>\n<\/td>\n

\n

\n2,184<\/p>\n<\/td>\n

\n

\n2,080<\/p>\n<\/td>\n

\n

\n1%<\/p>\n<\/td>\n

\n

\n6%<\/p>\n<\/td>\n

\n

\n2,199<\/p>\n<\/td>\n

\n

\n2,080<\/p>\n<\/td>\n

\n

\n6%<\/p>\n<\/td>\n<\/tr>\n

\n

\nFull-time equivalent employees<\/p>\n<\/td>\n

\n

\n18,676<\/p>\n<\/td>\n

\n

\n18,476<\/p>\n<\/td>\n

\n

\n18,616<\/p>\n<\/td>\n

\n

\n1%<\/p>\n<\/td>\n

\n

\n\u2014<\/p>\n<\/td>\n

\n

\n18,676<\/p>\n<\/td>\n

\n

\n18,616<\/p>\n<\/td>\n

\n

\n\u2014<\/p>\n<\/td>\n<\/tr>\n

\n

\nAssets under care ($ in billions)(h)<\/sup><\/i><\/p>\n<\/td>\n

\n

\n$690<\/p>\n<\/td>\n

\n

\n$681<\/p>\n<\/td>\n

\n

\n$634<\/p>\n<\/td>\n

\n

\n1%<\/p>\n<\/td>\n

\n

\n9%<\/p>\n<\/td>\n

\n

\n$690<\/p>\n<\/td>\n

\n

\n$634<\/p>\n<\/td>\n

\n

\n9%<\/p>\n<\/td>\n<\/tr>\n

\n

\nAssets under management ($ in billions)(h)<\/sup><\/i><\/p>\n<\/td>\n

\n

\n80<\/p>\n<\/td>\n

\n

\n77<\/p>\n<\/td>\n

\n

\n69<\/p>\n<\/td>\n

\n

\n4%<\/p>\n<\/td>\n

\n

\n16%<\/p>\n<\/td>\n

\n

\n80<\/p>\n<\/td>\n

\n

\n69<\/p>\n<\/td>\n

\n

\n16%<\/p>\n<\/td>\n<\/tr>\n<\/table>\n\n\n\n\n\n\n\n\n\n
(a)<\/i><\/td>\n\n

Non-GAAP measure; see discussion and reconciliation of non-GAAP measures beginning on page 27.<\/i><\/p>\n<\/td>\n<\/tr>\n

\n

(b)<\/i><\/p>\n<\/td>\n

\n

Includes demand, interest checking, savings and money market deposits..<\/i><\/p>\n<\/td>\n<\/tr>\n

\n

(c)<\/i><\/p>\n<\/td>\n

\n

Includes transaction deposits plus CDs $250,000 or less.<\/i><\/p>\n<\/td>\n<\/tr>\n

\n

(d)<\/i><\/p>\n<\/td>\n

\n

Includes CDs over $250,000, other deposits, federal funds purchased, other short-term borrowings and long-term debt.<\/i><\/p>\n<\/td>\n<\/tr>\n

\n

(e)<\/i><\/p>\n<\/td>\n

\n

Current period regulatory capital ratios are estimates.<\/i><\/p>\n<\/td>\n<\/tr>\n

\n

(f)<\/i><\/p>\n<\/td>\n

\n

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.<\/i><\/p>\n<\/td>\n<\/tr>\n

\n

(g)<\/i><\/p>\n<\/td>\n

\n

The allowance for credit losses is the sum of the ALLL and the reserve for unfunded commitments.<\/i><\/p>\n<\/td>\n<\/tr>\n

\n

(h)<\/i><\/p>\n<\/td>\n

\n

Assets under management and assets under care include trust and brokerage assets.<\/i><\/p>\n<\/td>\n<\/tr>\n<\/table>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
Fifth Third Bancorp and Subsidiaries<\/b><\/td>\n<\/tr>\n
\n

\nFinancial Highlights<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n$ in millions, except per share data<\/p>\n<\/td>\n

\n

\nAs of and For the Three Months Ended<\/p>\n<\/td>\n<\/tr>\n

\n

\n(unaudited)<\/p>\n<\/td>\n

\n

\nDecember<\/p>\n<\/td>\n

\n

\nSeptember<\/p>\n<\/td>\n

\n

\nJune<\/p>\n<\/td>\n

\n

\nMarch<\/p>\n<\/td>\n

\n

\nDecember<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n2025<\/p>\n<\/td>\n

\n

\n2025<\/p>\n<\/td>\n

\n

\n2025<\/p>\n<\/td>\n

\n

\n2025<\/p>\n<\/td>\n

\n

\n2024<\/p>\n<\/td>\n<\/tr>\n

\n

Income Statement Data<\/b><\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\nNet interest income<\/p>\n<\/td>\n

\n

\n$1,529<\/p>\n<\/td>\n

\n

\n$1,520<\/p>\n<\/td>\n

\n

\n$1,495<\/p>\n<\/td>\n

\n

\n$1,437<\/p>\n<\/td>\n

\n

\n$1,437<\/p>\n<\/td>\n<\/tr>\n

\n

\nNet interest income (FTE)(a)<\/sup><\/i><\/p>\n<\/td>\n

\n

\n1,533<\/p>\n<\/td>\n

\n

\n1,525<\/p>\n<\/td>\n

\n

\n1,500<\/p>\n<\/td>\n

\n

\n1,442<\/p>\n<\/td>\n

\n

\n1,443<\/p>\n<\/td>\n<\/tr>\n

\n

\nNoninterest income<\/p>\n<\/td>\n

\n

\n811<\/p>\n<\/td>\n

\n

\n781<\/p>\n<\/td>\n

\n

\n750<\/p>\n<\/td>\n

\n

\n694<\/p>\n<\/td>\n

\n

\n732<\/p>\n<\/td>\n<\/tr>\n

\n

\nTotal revenue (FTE)(a)<\/sup><\/i><\/p>\n<\/td>\n

\n

\n2,344<\/p>\n<\/td>\n

\n

\n2,306<\/p>\n<\/td>\n

\n

\n2,250<\/p>\n<\/td>\n

\n

\n2,136<\/p>\n<\/td>\n

\n

\n2,175<\/p>\n<\/td>\n<\/tr>\n

\n

\nProvision for credit losses<\/p>\n<\/td>\n

\n

\n119<\/p>\n<\/td>\n

\n

\n197<\/p>\n<\/td>\n

\n

\n173<\/p>\n<\/td>\n

\n

\n174<\/p>\n<\/td>\n

\n

\n179<\/p>\n<\/td>\n<\/tr>\n

\n

\nNoninterest expense<\/p>\n<\/td>\n

\n

\n1,309<\/p>\n<\/td>\n

\n

\n1,267<\/p>\n<\/td>\n

\n

\n1,264<\/p>\n<\/td>\n

\n

\n1,304<\/p>\n<\/td>\n

\n

\n1,226<\/p>\n<\/td>\n<\/tr>\n

\n

\nNet income<\/p>\n<\/td>\n

\n

\n731<\/p>\n<\/td>\n

\n

\n649<\/p>\n<\/td>\n

\n

\n628<\/p>\n<\/td>\n

\n

\n515<\/p>\n<\/td>\n

\n

\n620<\/p>\n<\/td>\n<\/tr>\n

\n

\nNet income available to common shareholders<\/p>\n<\/td>\n

\n

\n699<\/p>\n<\/td>\n

\n

\n608<\/p>\n<\/td>\n

\n

\n591<\/p>\n<\/td>\n

\n

\n478<\/p>\n<\/td>\n

\n

\n582<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

Earnings Per Share Data<\/b><\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\nNet income allocated to common shareholders<\/p>\n<\/td>\n

\n

\n$699<\/p>\n<\/td>\n

\n

\n$608<\/p>\n<\/td>\n

\n

\n$591<\/p>\n<\/td>\n

\n

\n$478<\/p>\n<\/td>\n

\n

\n$582<\/p>\n<\/td>\n<\/tr>\n

\n

\nAverage common shares outstanding (in thousands):<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\nBasic<\/p>\n<\/td>\n

\n

\n664,384<\/p>\n<\/td>\n

\n

\n666,427<\/p>\n<\/td>\n

\n

\n670,787<\/p>\n<\/td>\n

\n

\n671,052<\/p>\n<\/td>\n

\n

\n675,307<\/p>\n<\/td>\n<\/tr>\n

\n

\nDiluted<\/p>\n<\/td>\n

\n

\n669,153<\/p>\n<\/td>\n

\n

\n670,878<\/p>\n<\/td>\n

\n

\n674,034<\/p>\n<\/td>\n

\n

\n676,040<\/p>\n<\/td>\n

\n

\n681,456<\/p>\n<\/td>\n<\/tr>\n

\n

\nEarnings per share, basic<\/p>\n<\/td>\n

\n

\n$1.05<\/p>\n<\/td>\n

\n

\n$0.91<\/p>\n<\/td>\n

\n

\n$0.88<\/p>\n<\/td>\n

\n

\n$0.71<\/p>\n<\/td>\n

\n

\n$0.86<\/p>\n<\/td>\n<\/tr>\n

\n

\nEarnings per share, diluted<\/p>\n<\/td>\n

\n

\n1.04<\/p>\n<\/td>\n

\n

\n0.91<\/p>\n<\/td>\n

\n

\n0.88<\/p>\n<\/td>\n

\n

\n0.71<\/p>\n<\/td>\n

\n

\n0.85<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

Common Share Data<\/b><\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\nCash dividends per common share<\/p>\n<\/td>\n

\n

\n$0.40<\/p>\n<\/td>\n

\n

\n$0.40<\/p>\n<\/td>\n

\n

\n$0.37<\/p>\n<\/td>\n

\n

\n$0.37<\/p>\n<\/td>\n

\n

\n$0.37<\/p>\n<\/td>\n<\/tr>\n

\n

\nBook value per share<\/p>\n<\/td>\n

\n

\n30.18<\/p>\n<\/td>\n

\n

\n29.26<\/p>\n<\/td>\n

\n

\n28.47<\/p>\n<\/td>\n

\n

\n27.41<\/p>\n<\/td>\n

\n

\n26.17<\/p>\n<\/td>\n<\/tr>\n

\n

\nMarket value per share<\/p>\n<\/td>\n

\n

\n46.81<\/p>\n<\/td>\n

\n

\n44.55<\/p>\n<\/td>\n

\n

\n41.13<\/p>\n<\/td>\n

\n

\n39.20<\/p>\n<\/td>\n

\n

\n42.28<\/p>\n<\/td>\n<\/tr>\n

\n

\nCommon shares outstanding (in thousands)<\/p>\n<\/td>\n

\n

\n661,198<\/p>\n<\/td>\n

\n

\n660,973<\/p>\n<\/td>\n

\n

\n667,710<\/p>\n<\/td>\n

\n

\n667,272<\/p>\n<\/td>\n

\n

\n669,854<\/p>\n<\/td>\n<\/tr>\n

\n

\nMarket capitalization<\/p>\n<\/td>\n

\n

\n$30,951<\/p>\n<\/td>\n

\n

\n$29,446<\/p>\n<\/td>\n

\n

\n$27,463<\/p>\n<\/td>\n

\n

\n$26,157<\/p>\n<\/td>\n

\n

\n$28,321<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

Financial Ratios<\/b><\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\nReturn on average assets<\/p>\n<\/td>\n

\n

\n1.36%<\/p>\n<\/td>\n

\n

\n1.21%<\/p>\n<\/td>\n

\n

\n1.20%<\/p>\n<\/td>\n

\n

\n0.99%<\/p>\n<\/td>\n

\n

\n1.17%<\/p>\n<\/td>\n<\/tr>\n

\n

\nReturn on average common equity<\/p>\n<\/td>\n

\n

\n14.0%<\/p>\n<\/td>\n

\n

\n12.6%<\/p>\n<\/td>\n

\n

\n12.8%<\/p>\n<\/td>\n

\n

\n10.8%<\/p>\n<\/td>\n

\n

\n13.0%<\/p>\n<\/td>\n<\/tr>\n

\n

\nReturn on average tangible common equity(a)<\/sup><\/i><\/p>\n<\/td>\n

\n

\n19.0%<\/p>\n<\/td>\n

\n

\n17.3%<\/p>\n<\/td>\n

\n

\n17.6%<\/p>\n<\/td>\n

\n

\n15.2%<\/p>\n<\/td>\n

\n

\n18.4%<\/p>\n<\/td>\n<\/tr>\n

\n

\nNoninterest income as a percent of total revenue(a)<\/sup><\/i><\/p>\n<\/td>\n

\n

\n35%<\/p>\n<\/td>\n

\n

\n34%<\/p>\n<\/td>\n

\n

\n33%<\/p>\n<\/td>\n

\n

\n32%<\/p>\n<\/td>\n

\n

\n34%<\/p>\n<\/td>\n<\/tr>\n

\n

\nDividend payout<\/p>\n<\/td>\n

\n

\n38.1%<\/p>\n<\/td>\n

\n

\n44.0%<\/p>\n<\/td>\n

\n

\n42.0%<\/p>\n<\/td>\n

\n

\n52.1%<\/p>\n<\/td>\n

\n

\n43.0%<\/p>\n<\/td>\n<\/tr>\n

\n

\nAverage total Bancorp shareholders\u2019 equity as a percent of average assets<\/p>\n<\/td>\n

\n

\n10.11%<\/p>\n<\/td>\n

\n

\n10.02%<\/p>\n<\/td>\n

\n

\n9.82%<\/p>\n<\/td>\n

\n

\n9.50%<\/p>\n<\/td>\n

\n

\n9.40%<\/p>\n<\/td>\n<\/tr>\n

\n

\nTangible common equity(a)<\/sup><\/i><\/p>\n<\/td>\n

\n

\n8.46%<\/p>\n<\/td>\n

\n

\n8.29%<\/p>\n<\/td>\n

\n

\n8.38%<\/p>\n<\/td>\n

\n

\n8.07%<\/p>\n<\/td>\n

\n

\n8.03%<\/p>\n<\/td>\n<\/tr>\n

\n

\nNet interest margin (FTE)(a)<\/sup><\/i><\/p>\n<\/td>\n

\n

\n3.13%<\/p>\n<\/td>\n

\n

\n3.13%<\/p>\n<\/td>\n

\n

\n3.12%<\/p>\n<\/td>\n

\n

\n3.03%<\/p>\n<\/td>\n

\n

\n2.97%<\/p>\n<\/td>\n<\/tr>\n

\n

\nEfficiency (FTE)(a)<\/sup><\/i><\/p>\n<\/td>\n

\n

\n55.8%<\/p>\n<\/td>\n

\n

\n54.9%<\/p>\n<\/td>\n

\n

\n56.2%<\/p>\n<\/td>\n

\n

\n61.0%<\/p>\n<\/td>\n

\n

\n56.4%<\/p>\n<\/td>\n<\/tr>\n

\n

\nEffective tax rate<\/p>\n<\/td>\n

\n

\n19.8%<\/p>\n<\/td>\n

\n

\n22.6%<\/p>\n<\/td>\n

\n

\n22.2%<\/p>\n<\/td>\n

\n

\n21.2%<\/p>\n<\/td>\n

\n

\n18.8%<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

Credit Quality<\/b><\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\nNet losses charged-off<\/p>\n<\/td>\n

\n

\n$125<\/p>\n<\/td>\n

\n

\n$339<\/p>\n<\/td>\n

\n

\n$139<\/p>\n<\/td>\n

\n

\n$136<\/p>\n<\/td>\n

\n

\n$136<\/p>\n<\/td>\n<\/tr>\n

\n

\nNet losses charged-off as a percent of average portfolio loans and leases (annualized)<\/p>\n<\/td>\n

\n

\n0.40%<\/p>\n<\/td>\n

\n

\n1.09%<\/p>\n<\/td>\n

\n

\n0.45%<\/p>\n<\/td>\n

\n

\n0.46%<\/p>\n<\/td>\n

\n

\n0.46%<\/p>\n<\/td>\n<\/tr>\n

\n

\nALLL as a percent of portfolio loans and leases<\/p>\n<\/td>\n

\n

\n1.84%<\/p>\n<\/td>\n

\n

\n1.84%<\/p>\n<\/td>\n

\n

\n1.97%<\/p>\n<\/td>\n

\n

\n1.95%<\/p>\n<\/td>\n

\n

\n1.96%<\/p>\n<\/td>\n<\/tr>\n

\n

\nACL as a percent of portfolio loans and leases(g)<\/sup><\/i><\/p>\n<\/td>\n

\n

\n1.96%<\/p>\n<\/td>\n

\n

\n1.96%<\/p>\n<\/td>\n

\n

\n2.09%<\/p>\n<\/td>\n

\n

\n2.07%<\/p>\n<\/td>\n

\n

\n2.08%<\/p>\n<\/td>\n<\/tr>\n

\n

\nNonperforming portfolio assets as a percent of portfolio loans and leases and OREO<\/p>\n<\/td>\n

\n

\n0.65%<\/p>\n<\/td>\n

\n

\n0.65%<\/p>\n<\/td>\n

\n

\n0.72%<\/p>\n<\/td>\n

\n

\n0.81%<\/p>\n<\/td>\n

\n

\n0.71%<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

Average Balances<\/b><\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\nLoans and leases, including held for sale<\/p>\n<\/td>\n

\n

\n$124,147<\/p>\n<\/td>\n

\n

\n$123,993<\/p>\n<\/td>\n

\n

\n$123,657<\/p>\n<\/td>\n

\n

\n$121,764<\/p>\n<\/td>\n

\n

\n$118,492<\/p>\n<\/td>\n<\/tr>\n

\n

\nSecurities and other short-term investments<\/p>\n<\/td>\n

\n

\n69,997<\/p>\n<\/td>\n

\n

\n69,507<\/p>\n<\/td>\n

\n

\n69,025<\/p>\n<\/td>\n

\n

\n71,044<\/p>\n<\/td>\n

\n

\n75,021<\/p>\n<\/td>\n<\/tr>\n

\n

\nAssets<\/p>\n<\/td>\n

\n

\n213,021<\/p>\n<\/td>\n

\n

\n211,770<\/p>\n<\/td>\n

\n

\n210,554<\/p>\n<\/td>\n

\n

\n210,558<\/p>\n<\/td>\n

\n

\n211,709<\/p>\n<\/td>\n<\/tr>\n

\n

\nTransaction deposits(b)<\/sup><\/i><\/p>\n<\/td>\n

\n

\n155,895<\/p>\n<\/td>\n

\n

\n151,669<\/p>\n<\/td>\n

\n

\n150,881<\/p>\n<\/td>\n

\n

\n151,431<\/p>\n<\/td>\n

\n

\n154,114<\/p>\n<\/td>\n<\/tr>\n

\n

\nCore deposits(c)<\/sup><\/i><\/p>\n<\/td>\n

\n

\n166,436<\/p>\n<\/td>\n

\n

\n162,510<\/p>\n<\/td>\n

\n

\n161,375<\/p>\n<\/td>\n

\n

\n161,811<\/p>\n<\/td>\n

\n

\n164,706<\/p>\n<\/td>\n<\/tr>\n

\n

\nWholesale funding(d)<\/sup><\/i><\/p>\n<\/td>\n

\n

\n18,853<\/p>\n<\/td>\n

\n

\n21,821<\/p>\n<\/td>\n

\n

\n22,423<\/p>\n<\/td>\n

\n

\n22,262<\/p>\n<\/td>\n

\n

\n20,202<\/p>\n<\/td>\n<\/tr>\n

\n

\nBancorp shareholders\u2019 equity<\/p>\n<\/td>\n

\n

\n21,527<\/p>\n<\/td>\n

\n

\n21,216<\/p>\n<\/td>\n

\n

\n20,670<\/p>\n<\/td>\n

\n

\n20,000<\/p>\n<\/td>\n

\n

\n19,893<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

Regulatory Capital Ratios(e)(f)<\/sup><\/i><\/b><\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\nCET1 capital<\/p>\n<\/td>\n

\n

\n10.77%<\/p>\n<\/td>\n

\n

\n10.57%<\/p>\n<\/td>\n

\n

\n10.58%<\/p>\n<\/td>\n

\n

\n10.43%<\/p>\n<\/td>\n

\n

\n10.57%<\/p>\n<\/td>\n<\/tr>\n

\n

\nTier 1 risk-based capital<\/p>\n<\/td>\n

\n

\n11.82%<\/p>\n<\/td>\n

\n

\n11.63%<\/p>\n<\/td>\n

\n

\n11.85%<\/p>\n<\/td>\n

\n

\n11.71%<\/p>\n<\/td>\n

\n

\n11.86%<\/p>\n<\/td>\n<\/tr>\n

\n

\nTotal risk-based capital<\/p>\n<\/td>\n

\n

\n13.73%<\/p>\n<\/td>\n

\n

\n13.54%<\/p>\n<\/td>\n

\n

\n13.77%<\/p>\n<\/td>\n

\n

\n13.63%<\/p>\n<\/td>\n

\n

\n13.86%<\/p>\n<\/td>\n<\/tr>\n

\n

\nLeverage<\/p>\n<\/td>\n

\n

\n9.42%<\/p>\n<\/td>\n

\n

\n9.24%<\/p>\n<\/td>\n

\n

\n9.42%<\/p>\n<\/td>\n

\n

\n9.23%<\/p>\n<\/td>\n

\n

\n9.22%<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

Additional Metrics<\/b><\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\nBanking centers<\/p>\n<\/td>\n

\n

\n1,130<\/p>\n<\/td>\n

\n

\n1,102<\/p>\n<\/td>\n

\n

\n1,089<\/p>\n<\/td>\n

\n

\n1,084<\/p>\n<\/td>\n

\n

\n1,089<\/p>\n<\/td>\n<\/tr>\n

\n

\nATMs<\/p>\n<\/td>\n

\n

\n2,199<\/p>\n<\/td>\n

\n

\n2,184<\/p>\n<\/td>\n

\n

\n2,170<\/p>\n<\/td>\n

\n

\n2,069<\/p>\n<\/td>\n

\n

\n2,080<\/p>\n<\/td>\n<\/tr>\n

\n

\nFull-time equivalent employees<\/p>\n<\/td>\n

\n

\n18,676<\/p>\n<\/td>\n

\n

\n18,476<\/p>\n<\/td>\n

\n

\n18,690<\/p>\n<\/td>\n

\n

\n18,786<\/p>\n<\/td>\n

\n

\n18,616<\/p>\n<\/td>\n<\/tr>\n

\n

\nAssets under care ($ in billions)(h)<\/sup><\/i><\/p>\n<\/td>\n

\n

\n$690<\/p>\n<\/td>\n

\n

\n$681<\/p>\n<\/td>\n

\n

\n$657<\/p>\n<\/td>\n

\n

\n$639<\/p>\n<\/td>\n

\n

\n$634<\/p>\n<\/td>\n<\/tr>\n

\n

\nAssets under management ($ in billions)(h)<\/sup><\/i><\/p>\n<\/td>\n

\n

\n80<\/p>\n<\/td>\n

\n

\n77<\/p>\n<\/td>\n

\n

\n73<\/p>\n<\/td>\n

\n

\n68<\/p>\n<\/td>\n

\n

\n69<\/p>\n<\/td>\n<\/tr>\n<\/table>\n\n\n\n\n\n\n\n\n\n
\n

(a)<\/i><\/p>\n<\/td>\n

\n

Non-GAAP measure; see discussion and reconciliation of non-GAAP measures beginning on page 27.<\/i><\/p>\n<\/td>\n<\/tr>\n

\n

(b)<\/i><\/p>\n<\/td>\n

\n

Includes demand, interest checking, savings and money market deposits..<\/i><\/p>\n<\/td>\n<\/tr>\n

\n

(c)<\/i><\/p>\n<\/td>\n

\n

Includes transaction deposits plus CDs $250,000 or less.<\/i><\/p>\n<\/td>\n<\/tr>\n

\n

(d)<\/i><\/p>\n<\/td>\n

\n

Includes CDs over $250,000, other deposits, federal funds purchased, other short-term borrowings and long-term debt.<\/i><\/p>\n<\/td>\n<\/tr>\n

\n

(e)<\/i><\/p>\n<\/td>\n

\n

Current period regulatory capital ratios are estimates.<\/i><\/p>\n<\/td>\n<\/tr>\n

\n

(f)<\/i><\/p>\n<\/td>\n

\n

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.<\/i><\/p>\n<\/td>\n<\/tr>\n

\n

(g)<\/i><\/p>\n<\/td>\n

\n

The allowance for credit losses is the sum of the ALLL and the reserve for unfunded commitments.<\/i><\/p>\n<\/td>\n<\/tr>\n

\n

(h)<\/i><\/p>\n<\/td>\n

\n

Assets under management and assets under care include trust and brokerage assets.<\/i><\/p>\n<\/td>\n<\/tr>\n<\/table>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
\n

Fifth Third Bancorp and Subsidiaries<\/b><\/p>\n<\/td>\n<\/tr>\n

\n

\nConsolidated Statements of Income<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n$ in millions<\/p>\n<\/td>\n

\n

\nFor the Three Months Ended<\/p>\n<\/td>\n

\n

\n% Change<\/p>\n<\/td>\n

\n

\nYear to Date<\/p>\n<\/td>\n

\n

\n% Change<\/p>\n<\/td>\n<\/tr>\n

\n

\n(unaudited)<\/p>\n<\/td>\n

\n

\nDecember<\/p>\n<\/td>\n

\n

\nSeptember<\/p>\n<\/td>\n

\n

\nDecember<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nDecember<\/p>\n<\/td>\n

\n

\nDecember<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n2025<\/p>\n<\/td>\n

\n

\n2025<\/p>\n<\/td>\n

\n

\n2024<\/p>\n<\/td>\n

\n

\nSeq<\/p>\n<\/td>\n

\n

\nYr\/Yr<\/p>\n<\/td>\n

\n

\n2025<\/p>\n<\/td>\n

\n

\n2024<\/p>\n<\/td>\n

\n

\nYr\/Yr<\/p>\n<\/td>\n<\/tr>\n

\n

Interest Income<\/b><\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\nInterest and fees on loans and leases<\/p>\n<\/td>\n

\n

\n$1,862<\/p>\n<\/td>\n

\n

\n$1,909<\/p>\n<\/td>\n

\n

\n$1,836<\/p>\n<\/td>\n

\n

\n(2%)<\/p>\n<\/td>\n

\n

\n1%<\/p>\n<\/td>\n

\n

\n$7,466<\/p>\n<\/td>\n

\n

\n$7,477<\/p>\n<\/td>\n

\n

\n\u2014<\/p>\n<\/td>\n<\/tr>\n

\n

\nInterest on securities<\/p>\n<\/td>\n

\n

\n431<\/p>\n<\/td>\n

\n

\n444<\/p>\n<\/td>\n

\n

\n464<\/p>\n<\/td>\n

\n

\n(3%)<\/p>\n<\/td>\n

\n

\n(7%)<\/p>\n<\/td>\n

\n

\n1,785<\/p>\n<\/td>\n

\n

\n1,839<\/p>\n<\/td>\n

\n

\n(3%)<\/p>\n<\/td>\n<\/tr>\n

\n

\nInterest on other short-term investments<\/p>\n<\/td>\n

\n

\n175<\/p>\n<\/td>\n

\n

\n166<\/p>\n<\/td>\n

\n

\n228<\/p>\n<\/td>\n

\n

\n5%<\/p>\n<\/td>\n

\n

\n(23%)<\/p>\n<\/td>\n

\n

\n652<\/p>\n<\/td>\n

\n

\n1,110<\/p>\n<\/td>\n

\n

\n(41%)<\/p>\n<\/td>\n<\/tr>\n

\n

\nTotal interest income<\/p>\n<\/td>\n

\n

\n2,468<\/p>\n<\/td>\n

\n

\n2,519<\/p>\n<\/td>\n

\n

\n2,528<\/p>\n<\/td>\n

\n

\n(2%)<\/p>\n<\/td>\n

\n

\n(2%)<\/p>\n<\/td>\n

\n

\n9,903<\/p>\n<\/td>\n

\n

\n10,426<\/p>\n<\/td>\n

\n

\n(5%)<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

Interest Expense<\/b><\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\nInterest on deposits<\/p>\n<\/td>\n

\n

\n726<\/p>\n<\/td>\n

\n

\n750<\/p>\n<\/td>\n

\n

\n856<\/p>\n<\/td>\n

\n

\n(3%)<\/p>\n<\/td>\n

\n

\n(15%)<\/p>\n<\/td>\n

\n

\n2,952<\/p>\n<\/td>\n

\n

\n3,736<\/p>\n<\/td>\n

\n

\n(21%)<\/p>\n<\/td>\n<\/tr>\n

\n

\nInterest on short-term borrowings(a)<\/sup><\/i><\/p>\n<\/td>\n

\n

\n34<\/p>\n<\/td>\n

\n

\n61<\/p>\n<\/td>\n

\n

\n25<\/p>\n<\/td>\n

\n

\n(44%)<\/p>\n<\/td>\n

\n

\n36%<\/p>\n<\/td>\n

\n

\n215<\/p>\n<\/td>\n

\n

\n168<\/p>\n<\/td>\n

\n

\n28%<\/p>\n<\/td>\n<\/tr>\n

\n

\nInterest on long-term debt<\/p>\n<\/td>\n

\n

\n179<\/p>\n<\/td>\n

\n

\n188<\/p>\n<\/td>\n

\n

\n210<\/p>\n<\/td>\n

\n

\n(5%)<\/p>\n<\/td>\n

\n

\n(15%)<\/p>\n<\/td>\n

\n

\n754<\/p>\n<\/td>\n

\n

\n892<\/p>\n<\/td>\n

\n

\n(15%)<\/p>\n<\/td>\n<\/tr>\n

\n

\nTotal interest expense<\/p>\n<\/td>\n

\n

\n939<\/p>\n<\/td>\n

\n

\n999<\/p>\n<\/td>\n

\n

\n1,091<\/p>\n<\/td>\n

\n

\n(6%)<\/p>\n<\/td>\n

\n

\n(14%)<\/p>\n<\/td>\n

\n

\n3,921<\/p>\n<\/td>\n

\n

\n4,796<\/p>\n<\/td>\n

\n

\n(18%)<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

Net Interest Income<\/b><\/p>\n<\/td>\n

\n

\n1,529<\/p>\n<\/td>\n

\n

\n1,520<\/p>\n<\/td>\n

\n

\n1,437<\/p>\n<\/td>\n

\n

\n1%<\/p>\n<\/td>\n

\n

\n6%<\/p>\n<\/td>\n

\n

\n5,982<\/p>\n<\/td>\n

\n

\n5,630<\/p>\n<\/td>\n

\n

\n6%<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\nProvision for credit losses<\/p>\n<\/td>\n

\n

\n119<\/p>\n<\/td>\n

\n

\n197<\/p>\n<\/td>\n

\n

\n179<\/p>\n<\/td>\n

\n

\n(40%)<\/p>\n<\/td>\n

\n

\n(34%)<\/p>\n<\/td>\n

\n

\n662<\/p>\n<\/td>\n

\n

\n530<\/p>\n<\/td>\n

\n

\n25%<\/p>\n<\/td>\n<\/tr>\n

\n

Net Interest Income After Provision for Credit Losses<\/b><\/p>\n<\/td>\n

\n

\n1,410<\/p>\n<\/td>\n

\n

\n1,323<\/p>\n<\/td>\n

\n

\n1,258<\/p>\n<\/td>\n

\n

\n7%<\/p>\n<\/td>\n

\n

\n12%<\/p>\n<\/td>\n

\n

\n5,320<\/p>\n<\/td>\n

\n

\n5,100<\/p>\n<\/td>\n

\n

\n4%<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

Noninterest Income<\/b><\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\nWealth and asset management revenue<\/p>\n<\/td>\n

\n

\n185<\/p>\n<\/td>\n

\n

\n181<\/p>\n<\/td>\n

\n

\n163<\/p>\n<\/td>\n

\n

\n2%<\/p>\n<\/td>\n

\n

\n13%<\/p>\n<\/td>\n

\n

\n704<\/p>\n<\/td>\n

\n

\n647<\/p>\n<\/td>\n

\n

\n9%<\/p>\n<\/td>\n<\/tr>\n

\n

\nCommercial payments revenue<\/p>\n<\/td>\n

\n

\n167<\/p>\n<\/td>\n

\n

\n157<\/p>\n<\/td>\n

\n

\n155<\/p>\n<\/td>\n

\n

\n6%<\/p>\n<\/td>\n

\n

\n8%<\/p>\n<\/td>\n

\n

\n630<\/p>\n<\/td>\n

\n

\n608<\/p>\n<\/td>\n

\n

\n4%<\/p>\n<\/td>\n<\/tr>\n

\n

\nConsumer banking revenue<\/p>\n<\/td>\n

\n

\n143<\/p>\n<\/td>\n

\n

\n144<\/p>\n<\/td>\n

\n

\n137<\/p>\n<\/td>\n

\n

\n(1%)<\/p>\n<\/td>\n

\n

\n4%<\/p>\n<\/td>\n

\n

\n571<\/p>\n<\/td>\n

\n

\n555<\/p>\n<\/td>\n

\n

\n3%<\/p>\n<\/td>\n<\/tr>\n

\n

\nCapital markets fees<\/p>\n<\/td>\n

\n

\n121<\/p>\n<\/td>\n

\n

\n115<\/p>\n<\/td>\n

\n

\n123<\/p>\n<\/td>\n

\n

\n5%<\/p>\n<\/td>\n

\n

\n(2%)<\/p>\n<\/td>\n

\n

\n415<\/p>\n<\/td>\n

\n

\n424<\/p>\n<\/td>\n

\n

\n(2%)<\/p>\n<\/td>\n<\/tr>\n

\n

\nCommercial banking revenue<\/p>\n<\/td>\n

\n

\n102<\/p>\n<\/td>\n

\n

\n87<\/p>\n<\/td>\n

\n

\n109<\/p>\n<\/td>\n

\n

\n17%<\/p>\n<\/td>\n

\n

\n(6%)<\/p>\n<\/td>\n

\n

\n349<\/p>\n<\/td>\n

\n

\n377<\/p>\n<\/td>\n

\n

\n(7%)<\/p>\n<\/td>\n<\/tr>\n

\n

\nMortgage banking net revenue<\/p>\n<\/td>\n

\n

\n56<\/p>\n<\/td>\n

\n

\n58<\/p>\n<\/td>\n

\n

\n57<\/p>\n<\/td>\n

\n

\n(3%)<\/p>\n<\/td>\n

\n

\n(2%)<\/p>\n<\/td>\n

\n

\n227<\/p>\n<\/td>\n

\n

\n211<\/p>\n<\/td>\n

\n

\n8%<\/p>\n<\/td>\n<\/tr>\n

\n

\nOther noninterest income (loss)<\/p>\n<\/td>\n

\n

\n42<\/p>\n<\/td>\n

\n

\n29<\/p>\n<\/td>\n

\n

\n(4)<\/p>\n<\/td>\n

\n

\n45%<\/p>\n<\/td>\n

\n

\nNM<\/p>\n<\/td>\n

\n

\n126<\/p>\n<\/td>\n

\n

\n12<\/p>\n<\/td>\n

\n

\n950%<\/p>\n<\/td>\n<\/tr>\n

\n

\nSecurities gains (losses), net<\/p>\n<\/td>\n

\n

\n(5)<\/p>\n<\/td>\n

\n

\n10<\/p>\n<\/td>\n

\n

\n(8)<\/p>\n<\/td>\n

\n

\nNM<\/p>\n<\/td>\n

\n

\n(38%)<\/p>\n<\/td>\n

\n

\n13<\/p>\n<\/td>\n

\n

\n15<\/p>\n<\/td>\n

\n

\n(13%)<\/p>\n<\/td>\n<\/tr>\n

\n

\nTotal noninterest income<\/p>\n<\/td>\n

\n

\n811<\/p>\n<\/td>\n

\n

\n781<\/p>\n<\/td>\n

\n

\n732<\/p>\n<\/td>\n

\n

\n4%<\/p>\n<\/td>\n

\n

\n11%<\/p>\n<\/td>\n

\n

\n3,035<\/p>\n<\/td>\n

\n

\n2,849<\/p>\n<\/td>\n

\n

\n7%<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

Noninterest Expense<\/b><\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\nCompensation and benefits<\/p>\n<\/td>\n

\n

\n683<\/p>\n<\/td>\n

\n

\n685<\/p>\n<\/td>\n

\n

\n665<\/p>\n<\/td>\n

\n

\n\u2014<\/p>\n<\/td>\n

\n

\n3%<\/p>\n<\/td>\n

\n

\n2,815<\/p>\n<\/td>\n

\n

\n2,763<\/p>\n<\/td>\n

\n

\n2%<\/p>\n<\/td>\n<\/tr>\n

\n

\nTechnology and communications<\/p>\n<\/td>\n

\n

\n138<\/p>\n<\/td>\n

\n

\n128<\/p>\n<\/td>\n

\n

\n123<\/p>\n<\/td>\n

\n

\n8%<\/p>\n<\/td>\n

\n

\n12%<\/p>\n<\/td>\n

\n

\n516<\/p>\n<\/td>\n

\n

\n474<\/p>\n<\/td>\n

\n

\n9%<\/p>\n<\/td>\n<\/tr>\n

\n

\nNet occupancy expense<\/p>\n<\/td>\n

\n

\n89<\/p>\n<\/td>\n

\n

\n89<\/p>\n<\/td>\n

\n

\n88<\/p>\n<\/td>\n

\n

\n\u2014<\/p>\n<\/td>\n

\n

\n1%<\/p>\n<\/td>\n

\n

\n349<\/p>\n<\/td>\n

\n

\n339<\/p>\n<\/td>\n

\n

\n3%<\/p>\n<\/td>\n<\/tr>\n

\n

\nEquipment expense<\/p>\n<\/td>\n

\n

\n43<\/p>\n<\/td>\n

\n

\n44<\/p>\n<\/td>\n

\n

\n39<\/p>\n<\/td>\n

\n

\n(2%)<\/p>\n<\/td>\n

\n

\n10%<\/p>\n<\/td>\n

\n

\n169<\/p>\n<\/td>\n

\n

\n153<\/p>\n<\/td>\n

\n

\n10%<\/p>\n<\/td>\n<\/tr>\n

\n

\nLoan and lease expense<\/p>\n<\/td>\n

\n

\n41<\/p>\n<\/td>\n

\n

\n39<\/p>\n<\/td>\n

\n

\n36<\/p>\n<\/td>\n

\n

\n5%<\/p>\n<\/td>\n

\n

\n14%<\/p>\n<\/td>\n

\n

\n146<\/p>\n<\/td>\n

\n

\n132<\/p>\n<\/td>\n

\n

\n11%<\/p>\n<\/td>\n<\/tr>\n

\n

\nMarketing expense<\/p>\n<\/td>\n

\n

\n37<\/p>\n<\/td>\n

\n

\n34<\/p>\n<\/td>\n

\n

\n23<\/p>\n<\/td>\n

\n

\n9%<\/p>\n<\/td>\n

\n

\n61%<\/p>\n<\/td>\n

\n

\n142<\/p>\n<\/td>\n

\n

\n115<\/p>\n<\/td>\n

\n

\n23%<\/p>\n<\/td>\n<\/tr>\n

\n

\nCard and processing expense<\/p>\n<\/td>\n

\n

\n27<\/p>\n<\/td>\n

\n

\n22<\/p>\n<\/td>\n

\n

\n21<\/p>\n<\/td>\n

\n

\n23%<\/p>\n<\/td>\n

\n

\n29%<\/p>\n<\/td>\n

\n

\n92<\/p>\n<\/td>\n

\n

\n84<\/p>\n<\/td>\n

\n

\n10%<\/p>\n<\/td>\n<\/tr>\n

\n

\nOther noninterest expense<\/p>\n<\/td>\n

\n

\n251<\/p>\n<\/td>\n

\n

\n226<\/p>\n<\/td>\n

\n

\n231<\/p>\n<\/td>\n

\n

\n11%<\/p>\n<\/td>\n

\n

\n9%<\/p>\n<\/td>\n

\n

\n915<\/p>\n<\/td>\n

\n

\n973<\/p>\n<\/td>\n

\n

\n(6%)<\/p>\n<\/td>\n<\/tr>\n

\n

\nTotal noninterest expense<\/p>\n<\/td>\n

\n

\n1,309<\/p>\n<\/td>\n

\n

\n1,267<\/p>\n<\/td>\n

\n

\n1,226<\/p>\n<\/td>\n

\n

\n3%<\/p>\n<\/td>\n

\n

\n7%<\/p>\n<\/td>\n

\n

\n5,144<\/p>\n<\/td>\n

\n

\n5,033<\/p>\n<\/td>\n

\n

\n2%<\/p>\n<\/td>\n<\/tr>\n

\n

Income Before Income Taxes<\/b><\/p>\n<\/td>\n

\n

\n912<\/p>\n<\/td>\n

\n

\n837<\/p>\n<\/td>\n

\n

\n764<\/p>\n<\/td>\n

\n

\n9%<\/p>\n<\/td>\n

\n

\n19%<\/p>\n<\/td>\n

\n

\n3,211<\/p>\n<\/td>\n

\n

\n2,916<\/p>\n<\/td>\n

\n

\n10%<\/p>\n<\/td>\n<\/tr>\n

\n

\nApplicable income tax expense<\/p>\n<\/td>\n

\n

\n181<\/p>\n<\/td>\n

\n

\n188<\/p>\n<\/td>\n

\n

\n144<\/p>\n<\/td>\n

\n

\n(4%)<\/p>\n<\/td>\n

\n

\n26%<\/p>\n<\/td>\n

\n

\n689<\/p>\n<\/td>\n

\n

\n602<\/p>\n<\/td>\n

\n

\n14%<\/p>\n<\/td>\n<\/tr>\n

\n

Net Income<\/b><\/p>\n<\/td>\n

\n

\n731<\/p>\n<\/td>\n

\n

\n649<\/p>\n<\/td>\n

\n

\n620<\/p>\n<\/td>\n

\n

\n13%<\/p>\n<\/td>\n

\n

\n18%<\/p>\n<\/td>\n

\n

\n2,522<\/p>\n<\/td>\n

\n

\n2,314<\/p>\n<\/td>\n

\n

\n9%<\/p>\n<\/td>\n<\/tr>\n

\n

\nDividends on preferred stock<\/p>\n<\/td>\n

\n

\n32<\/p>\n<\/td>\n

\n

\n41<\/p>\n<\/td>\n

\n

\n38<\/p>\n<\/td>\n

\n

\n(22%)<\/p>\n<\/td>\n

\n

\n(16%)<\/p>\n<\/td>\n

\n

\n146<\/p>\n<\/td>\n

\n

\n159<\/p>\n<\/td>\n

\n

\n(8%)<\/p>\n<\/td>\n<\/tr>\n

\n

Net Income Available to Common Shareholders<\/b><\/p>\n<\/td>\n

\n

\n$699<\/p>\n<\/td>\n

\n

\n$608<\/p>\n<\/td>\n

\n

\n$582<\/p>\n<\/td>\n

\n

\n15%<\/p>\n<\/td>\n

\n

\n20%<\/p>\n<\/td>\n

\n

\n$2,376<\/p>\n<\/td>\n

\n

\n$2,155<\/p>\n<\/td>\n

\n

\n10%<\/p>\n<\/td>\n<\/tr>\n<\/table>\n\n\n
\n

(a)<\/i><\/p>\n<\/td>\n

\n

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.<\/i><\/p>\n<\/td>\n<\/tr>\n<\/table>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
Fifth Third Bancorp and Subsidiaries<\/b><\/td>\n<\/tr>\n
\n

\nConsolidated Statements of Income<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n$ in millions<\/p>\n<\/td>\n

\n

\nFor the Three Months Ended<\/p>\n<\/td>\n<\/tr>\n

\n

\n(unaudited)<\/p>\n<\/td>\n

\n

\nDecember<\/p>\n<\/td>\n

\n

\nSeptember<\/p>\n<\/td>\n

\n

\nJune<\/p>\n<\/td>\n

\n

\nMarch<\/p>\n<\/td>\n

\n

\nDecember<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n2025<\/p>\n<\/td>\n

\n

\n2025<\/p>\n<\/td>\n

\n

\n2025<\/p>\n<\/td>\n

\n

\n2025<\/p>\n<\/td>\n

\n

\n2024<\/p>\n<\/td>\n<\/tr>\n

\n

Interest Income<\/b><\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\nInterest and fees on loans and leases<\/p>\n<\/td>\n

\n

\n$1,862<\/p>\n<\/td>\n

\n

\n$1,909<\/p>\n<\/td>\n

\n

\n$1,881<\/p>\n<\/td>\n

\n

\n$1,816<\/p>\n<\/td>\n

\n

\n$1,836<\/p>\n<\/td>\n<\/tr>\n

\n

\nInterest on securities<\/p>\n<\/td>\n

\n

\n431<\/p>\n<\/td>\n

\n

\n444<\/p>\n<\/td>\n

\n

\n458<\/p>\n<\/td>\n

\n

\n451<\/p>\n<\/td>\n

\n

\n464<\/p>\n<\/td>\n<\/tr>\n

\n

\nInterest on other short-term investments<\/p>\n<\/td>\n

\n

\n175<\/p>\n<\/td>\n

\n

\n166<\/p>\n<\/td>\n

\n

\n145<\/p>\n<\/td>\n

\n

\n165<\/p>\n<\/td>\n

\n

\n228<\/p>\n<\/td>\n<\/tr>\n

\n

\nTotal interest income<\/p>\n<\/td>\n

\n

\n2,468<\/p>\n<\/td>\n

\n

\n2,519<\/p>\n<\/td>\n

\n

\n2,484<\/p>\n<\/td>\n

\n

\n2,432<\/p>\n<\/td>\n

\n

\n2,528<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

Interest Expense<\/b><\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\nInterest on deposits<\/p>\n<\/td>\n

\n

\n726<\/p>\n<\/td>\n

\n

\n750<\/p>\n<\/td>\n

\n

\n732<\/p>\n<\/td>\n

\n

\n743<\/p>\n<\/td>\n

\n

\n856<\/p>\n<\/td>\n<\/tr>\n

\n

\nInterest on short-term borrowings(a)<\/sup><\/i><\/p>\n<\/td>\n

\n

\n34<\/p>\n<\/td>\n

\n

\n61<\/p>\n<\/td>\n

\n

\n61<\/p>\n<\/td>\n

\n

\n58<\/p>\n<\/td>\n

\n

\n25<\/p>\n<\/td>\n<\/tr>\n

\n

\nInterest on long-term debt<\/p>\n<\/td>\n

\n

\n179<\/p>\n<\/td>\n

\n

\n188<\/p>\n<\/td>\n

\n

\n196<\/p>\n<\/td>\n

\n

\n194<\/p>\n<\/td>\n

\n

\n210<\/p>\n<\/td>\n<\/tr>\n

\n

\nTotal interest expense<\/p>\n<\/td>\n

\n

\n939<\/p>\n<\/td>\n

\n

\n999<\/p>\n<\/td>\n

\n

\n989<\/p>\n<\/td>\n

\n

\n995<\/p>\n<\/td>\n

\n

\n1,091<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

Net Interest Income<\/b><\/p>\n<\/td>\n

\n

\n1,529<\/p>\n<\/td>\n

\n

\n1,520<\/p>\n<\/td>\n

\n

\n1,495<\/p>\n<\/td>\n

\n

\n1,437<\/p>\n<\/td>\n

\n

\n1,437<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\nProvision for credit losses<\/p>\n<\/td>\n

\n

\n119<\/p>\n<\/td>\n

\n

\n197<\/p>\n<\/td>\n

\n

\n173<\/p>\n<\/td>\n

\n

\n174<\/p>\n<\/td>\n

\n

\n179<\/p>\n<\/td>\n<\/tr>\n

\n

Net Interest Income After Provision for Credit Losses<\/b><\/p>\n<\/td>\n

\n

\n1,410<\/p>\n<\/td>\n

\n

\n1,323<\/p>\n<\/td>\n

\n

\n1,322<\/p>\n<\/td>\n

\n

\n1,263<\/p>\n<\/td>\n

\n

\n1,258<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

Noninterest Income<\/b><\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\nWealth and asset management revenue<\/p>\n<\/td>\n

\n

\n185<\/p>\n<\/td>\n

\n

\n181<\/p>\n<\/td>\n

\n

\n166<\/p>\n<\/td>\n

\n

\n172<\/p>\n<\/td>\n

\n

\n163<\/p>\n<\/td>\n<\/tr>\n

\n

\nCommercial payments revenue<\/p>\n<\/td>\n

\n

\n167<\/p>\n<\/td>\n

\n

\n157<\/p>\n<\/td>\n

\n

\n152<\/p>\n<\/td>\n

\n

\n153<\/p>\n<\/td>\n

\n

\n155<\/p>\n<\/td>\n<\/tr>\n

\n

\nConsumer banking revenue<\/p>\n<\/td>\n

\n

\n143<\/p>\n<\/td>\n

\n

\n144<\/p>\n<\/td>\n

\n

\n147<\/p>\n<\/td>\n

\n

\n137<\/p>\n<\/td>\n

\n

\n137<\/p>\n<\/td>\n<\/tr>\n

\n

\nCapital markets fees<\/p>\n<\/td>\n

\n

\n121<\/p>\n<\/td>\n

\n

\n115<\/p>\n<\/td>\n

\n

\n90<\/p>\n<\/td>\n

\n

\n90<\/p>\n<\/td>\n

\n

\n123<\/p>\n<\/td>\n<\/tr>\n

\n

\nCommercial banking revenue<\/p>\n<\/td>\n

\n

\n102<\/p>\n<\/td>\n

\n

\n87<\/p>\n<\/td>\n

\n

\n79<\/p>\n<\/td>\n

\n

\n80<\/p>\n<\/td>\n

\n

\n109<\/p>\n<\/td>\n<\/tr>\n

\n

\nMortgage banking net revenue<\/p>\n<\/td>\n

\n

\n56<\/p>\n<\/td>\n

\n

\n58<\/p>\n<\/td>\n

\n

\n56<\/p>\n<\/td>\n

\n

\n57<\/p>\n<\/td>\n

\n

\n57<\/p>\n<\/td>\n<\/tr>\n

\n

\nOther noninterest income (loss)<\/p>\n<\/td>\n

\n

\n42<\/p>\n<\/td>\n

\n

\n29<\/p>\n<\/td>\n

\n

\n44<\/p>\n<\/td>\n

\n

\n14<\/p>\n<\/td>\n

\n

\n(4)<\/p>\n<\/td>\n<\/tr>\n

\n

\nSecurities (losses) gains, net<\/p>\n<\/td>\n

\n

\n(5)<\/p>\n<\/td>\n

\n

\n10<\/p>\n<\/td>\n

\n

\n16<\/p>\n<\/td>\n

\n

\n(9)<\/p>\n<\/td>\n

\n

\n(8)<\/p>\n<\/td>\n<\/tr>\n

\n

\nTotal noninterest income<\/p>\n<\/td>\n

\n

\n811<\/p>\n<\/td>\n

\n

\n781<\/p>\n<\/td>\n

\n

\n750<\/p>\n<\/td>\n

\n

\n694<\/p>\n<\/td>\n

\n

\n732<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

Noninterest Expense<\/b><\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\nCompensation and benefits<\/p>\n<\/td>\n

\n

\n683<\/p>\n<\/td>\n

\n

\n685<\/p>\n<\/td>\n

\n

\n698<\/p>\n<\/td>\n

\n

\n750<\/p>\n<\/td>\n

\n

\n665<\/p>\n<\/td>\n<\/tr>\n

\n

\nTechnology and communications<\/p>\n<\/td>\n

\n

\n138<\/p>\n<\/td>\n

\n

\n128<\/p>\n<\/td>\n

\n

\n126<\/p>\n<\/td>\n

\n

\n123<\/p>\n<\/td>\n

\n

\n123<\/p>\n<\/td>\n<\/tr>\n

\n

\nNet occupancy expense<\/p>\n<\/td>\n

\n

\n89<\/p>\n<\/td>\n

\n

\n89<\/p>\n<\/td>\n

\n

\n83<\/p>\n<\/td>\n

\n

\n87<\/p>\n<\/td>\n

\n

\n88<\/p>\n<\/td>\n<\/tr>\n

\n

\nEquipment expense<\/p>\n<\/td>\n

\n

\n43<\/p>\n<\/td>\n

\n

\n44<\/p>\n<\/td>\n

\n

\n41<\/p>\n<\/td>\n

\n

\n42<\/p>\n<\/td>\n

\n

\n39<\/p>\n<\/td>\n<\/tr>\n

\n

\nLoan and lease expense<\/p>\n<\/td>\n

\n

\n41<\/p>\n<\/td>\n

\n

\n39<\/p>\n<\/td>\n

\n

\n36<\/p>\n<\/td>\n

\n

\n30<\/p>\n<\/td>\n

\n

\n36<\/p>\n<\/td>\n<\/tr>\n

\n

\nMarketing expense<\/p>\n<\/td>\n

\n

\n37<\/p>\n<\/td>\n

\n

\n34<\/p>\n<\/td>\n

\n

\n43<\/p>\n<\/td>\n

\n

\n28<\/p>\n<\/td>\n

\n

\n23<\/p>\n<\/td>\n<\/tr>\n

\n

\nCard and processing expense<\/p>\n<\/td>\n

\n

\n27<\/p>\n<\/td>\n

\n

\n22<\/p>\n<\/td>\n

\n

\n22<\/p>\n<\/td>\n

\n

\n21<\/p>\n<\/td>\n

\n

\n21<\/p>\n<\/td>\n<\/tr>\n

\n

\nOther noninterest expense<\/p>\n<\/td>\n

\n

\n251<\/p>\n<\/td>\n

\n

\n226<\/p>\n<\/td>\n

\n

\n215<\/p>\n<\/td>\n

\n

\n223<\/p>\n<\/td>\n

\n

\n231<\/p>\n<\/td>\n<\/tr>\n

\n

\nTotal noninterest expense<\/p>\n<\/td>\n

\n

\n1,309<\/p>\n<\/td>\n

\n

\n1,267<\/p>\n<\/td>\n

\n

\n1,264<\/p>\n<\/td>\n

\n

\n1,304<\/p>\n<\/td>\n

\n

\n1,226<\/p>\n<\/td>\n<\/tr>\n

\n

Income Before Income Taxes<\/b><\/p>\n<\/td>\n

\n

\n912<\/p>\n<\/td>\n

\n

\n837<\/p>\n<\/td>\n

\n

\n808<\/p>\n<\/td>\n

\n

\n653<\/p>\n<\/td>\n

\n

\n764<\/p>\n<\/td>\n<\/tr>\n

\n

\nApplicable income tax expense<\/p>\n<\/td>\n

\n

\n181<\/p>\n<\/td>\n

\n

\n188<\/p>\n<\/td>\n

\n

\n180<\/p>\n<\/td>\n

\n

\n138<\/p>\n<\/td>\n

\n

\n144<\/p>\n<\/td>\n<\/tr>\n

\n

Net Income<\/b><\/p>\n<\/td>\n

\n

\n731<\/p>\n<\/td>\n

\n

\n649<\/p>\n<\/td>\n

\n

\n628<\/p>\n<\/td>\n

\n

\n515<\/p>\n<\/td>\n

\n

\n620<\/p>\n<\/td>\n<\/tr>\n

\n

\nDividends on preferred stock<\/p>\n<\/td>\n

\n

\n32<\/p>\n<\/td>\n

\n

\n41<\/p>\n<\/td>\n

\n

\n37<\/p>\n<\/td>\n

\n

\n37<\/p>\n<\/td>\n

\n

\n38<\/p>\n<\/td>\n<\/tr>\n

\n

Net Income Available to Common Shareholders<\/b><\/p>\n<\/td>\n

\n

\n$699<\/p>\n<\/td>\n

\n

\n$608<\/p>\n<\/td>\n

\n

\n$591<\/p>\n<\/td>\n

\n

\n$478<\/p>\n<\/td>\n

\n

\n$582<\/p>\n<\/td>\n<\/tr>\n<\/table>\n\n\n
\n

(a)<\/i><\/p>\n<\/td>\n

\n

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.<\/i><\/p>\n<\/td>\n<\/tr>\n<\/table>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
\n

Fifth Third Bancorp and Subsidiaries<\/b><\/p>\n<\/td>\n<\/tr>\n

\n

\nConsolidated Balance Sheets<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n$ in millions, except per share data<\/p>\n<\/td>\n

\n

\nAs of<\/p>\n<\/td>\n

\n

\n% Change<\/p>\n<\/td>\n<\/tr>\n

\n

\n(unaudited)<\/p>\n<\/td>\n

\n

\nDecember<\/p>\n<\/td>\n

\n

\nSeptember<\/p>\n<\/td>\n

\n

\nDecember<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n2025<\/p>\n<\/td>\n

\n

\n2025<\/p>\n<\/td>\n

\n

\n2024<\/p>\n<\/td>\n

\n

\nSeq<\/p>\n<\/td>\n

\n

\nYr\/Yr<\/p>\n<\/td>\n<\/tr>\n

\n

Assets<\/b><\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\nCash and due from banks<\/p>\n<\/td>\n

\n

\n$3,499<\/p>\n<\/td>\n

\n

\n$2,901<\/p>\n<\/td>\n

\n

\n$3,014<\/p>\n<\/td>\n

\n

\n21%<\/p>\n<\/td>\n

\n

\n16%<\/p>\n<\/td>\n<\/tr>\n

\n

\nOther short-term investments<\/p>\n<\/td>\n

\n

\n18,876<\/p>\n<\/td>\n

\n

\n17,215<\/p>\n<\/td>\n

\n

\n17,120<\/p>\n<\/td>\n

\n

\n10%<\/p>\n<\/td>\n

\n

\n10%<\/p>\n<\/td>\n<\/tr>\n

\n

\nAvailable-for-sale debt and other securities(a)<\/sup><\/i><\/p>\n<\/td>\n

\n

\n36,159<\/p>\n<\/td>\n

\n

\n36,461<\/p>\n<\/td>\n

\n

\n39,547<\/p>\n<\/td>\n

\n

\n(1%)<\/p>\n<\/td>\n

\n

\n(9%)<\/p>\n<\/td>\n<\/tr>\n

\n

\nHeld-to-maturity securities(b)<\/sup><\/i><\/p>\n<\/td>\n

\n

\n11,368<\/p>\n<\/td>\n

\n

\n11,498<\/p>\n<\/td>\n

\n

\n11,278<\/p>\n<\/td>\n

\n

\n(1%)<\/p>\n<\/td>\n

\n

\n1%<\/p>\n<\/td>\n<\/tr>\n

\n

\nTrading debt securities<\/p>\n<\/td>\n

\n

\n1,057<\/p>\n<\/td>\n

\n

\n1,266<\/p>\n<\/td>\n

\n

\n1,185<\/p>\n<\/td>\n

\n

\n(17%)<\/p>\n<\/td>\n

\n

\n(11%)<\/p>\n<\/td>\n<\/tr>\n

\n

\nEquity securities<\/p>\n<\/td>\n

\n

\n453<\/p>\n<\/td>\n

\n

\n287<\/p>\n<\/td>\n

\n

\n341<\/p>\n<\/td>\n

\n

\n58%<\/p>\n<\/td>\n

\n

\n33%<\/p>\n<\/td>\n<\/tr>\n

\n

\nLoans and leases held for sale<\/p>\n<\/td>\n

\n

\n733<\/p>\n<\/td>\n

\n

\n576<\/p>\n<\/td>\n

\n

\n640<\/p>\n<\/td>\n

\n

\n27%<\/p>\n<\/td>\n

\n

\n15%<\/p>\n<\/td>\n<\/tr>\n

\n

\nPortfolio loans and leases:<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\nCommercial and industrial loans<\/p>\n<\/td>\n

\n

\n52,749<\/p>\n<\/td>\n

\n

\n53,947<\/p>\n<\/td>\n

\n

\n52,271<\/p>\n<\/td>\n

\n

\n(2%)<\/p>\n<\/td>\n

\n

\n1%<\/p>\n<\/td>\n<\/tr>\n

\n

\nCommercial mortgage loans<\/p>\n<\/td>\n

\n

\n12,228<\/p>\n<\/td>\n

\n

\n11,932<\/p>\n<\/td>\n

\n

\n12,246<\/p>\n<\/td>\n

\n

\n2%<\/p>\n<\/td>\n

\n

\n\u2014<\/p>\n<\/td>\n<\/tr>\n

\n

\nCommercial construction loans<\/p>\n<\/td>\n

\n

\n5,316<\/p>\n<\/td>\n

\n

\n5,326<\/p>\n<\/td>\n

\n

\n5,588<\/p>\n<\/td>\n

\n

\n\u2014<\/p>\n<\/td>\n

\n

\n(5%)<\/p>\n<\/td>\n<\/tr>\n

\n

\nCommercial leases<\/p>\n<\/td>\n

\n

\n3,269<\/p>\n<\/td>\n

\n

\n3,218<\/p>\n<\/td>\n

\n

\n3,188<\/p>\n<\/td>\n

\n

\n2%<\/p>\n<\/td>\n

\n

\n3%<\/p>\n<\/td>\n<\/tr>\n

\n

\nTotal commercial loans and leases<\/p>\n<\/td>\n

\n

\n73,562<\/p>\n<\/td>\n

\n

\n74,423<\/p>\n<\/td>\n

\n

\n73,293<\/p>\n<\/td>\n

\n

\n(1%)<\/p>\n<\/td>\n

\n

\n\u2014<\/p>\n<\/td>\n<\/tr>\n

\n

\nResidential mortgage loans<\/p>\n<\/td>\n

\n

\n17,652<\/p>\n<\/td>\n

\n

\n17,644<\/p>\n<\/td>\n

\n

\n17,543<\/p>\n<\/td>\n

\n

\n\u2014<\/p>\n<\/td>\n

\n

\n1%<\/p>\n<\/td>\n<\/tr>\n

\n

\nHome equity<\/p>\n<\/td>\n

\n

\n4,846<\/p>\n<\/td>\n

\n

\n4,678<\/p>\n<\/td>\n

\n

\n4,188<\/p>\n<\/td>\n

\n

\n4%<\/p>\n<\/td>\n

\n

\n16%<\/p>\n<\/td>\n<\/tr>\n

\n

\nIndirect secured consumer loans<\/p>\n<\/td>\n

\n

\n17,964<\/p>\n<\/td>\n

\n

\n17,885<\/p>\n<\/td>\n

\n

\n16,313<\/p>\n<\/td>\n

\n

\n\u2014<\/p>\n<\/td>\n

\n

\n10%<\/p>\n<\/td>\n<\/tr>\n

\n

\nCredit card<\/p>\n<\/td>\n

\n

\n1,747<\/p>\n<\/td>\n

\n

\n1,692<\/p>\n<\/td>\n

\n

\n1,734<\/p>\n<\/td>\n

\n

\n3%<\/p>\n<\/td>\n

\n

\n1%<\/p>\n<\/td>\n<\/tr>\n

\n

\nSolar energy installation loans<\/p>\n<\/td>\n

\n

\n4,560<\/p>\n<\/td>\n

\n

\n4,432<\/p>\n<\/td>\n

\n

\n4,202<\/p>\n<\/td>\n

\n

\n3%<\/p>\n<\/td>\n

\n

\n9%<\/p>\n<\/td>\n<\/tr>\n

\n

\nOther consumer loans<\/p>\n<\/td>\n

\n

\n2,320<\/p>\n<\/td>\n

\n

\n2,376<\/p>\n<\/td>\n

\n

\n2,518<\/p>\n<\/td>\n

\n

\n(2%)<\/p>\n<\/td>\n

\n

\n(8%)<\/p>\n<\/td>\n<\/tr>\n

\n

\nTotal consumer loans<\/p>\n<\/td>\n

\n

\n49,089<\/p>\n<\/td>\n

\n

\n48,707<\/p>\n<\/td>\n

\n

\n46,498<\/p>\n<\/td>\n

\n

\n1%<\/p>\n<\/td>\n

\n

\n6%<\/p>\n<\/td>\n<\/tr>\n

\n

\nPortfolio loans and leases<\/p>\n<\/td>\n

\n

\n122,651<\/p>\n<\/td>\n

\n

\n123,130<\/p>\n<\/td>\n

\n

\n119,791<\/p>\n<\/td>\n

\n

\n\u2014<\/p>\n<\/td>\n

\n

\n2%<\/p>\n<\/td>\n<\/tr>\n

\n

\nAllowance for loan and lease losses<\/p>\n<\/td>\n

\n

\n(2,253)<\/p>\n<\/td>\n

\n

\n(2,265)<\/p>\n<\/td>\n

\n

\n(2,352)<\/p>\n<\/td>\n

\n

\n(1%)<\/p>\n<\/td>\n

\n

\n(4%)<\/p>\n<\/td>\n<\/tr>\n

\n

\nPortfolio loans and leases, net<\/p>\n<\/td>\n

\n

\n120,398<\/p>\n<\/td>\n

\n

\n120,865<\/p>\n<\/td>\n

\n

\n117,439<\/p>\n<\/td>\n

\n

\n\u2014<\/p>\n<\/td>\n

\n

\n3%<\/p>\n<\/td>\n<\/tr>\n

\n

\nBank premises and equipment<\/p>\n<\/td>\n

\n

\n2,734<\/p>\n<\/td>\n

\n

\n2,655<\/p>\n<\/td>\n

\n

\n2,475<\/p>\n<\/td>\n

\n

\n3%<\/p>\n<\/td>\n

\n

\n10%<\/p>\n<\/td>\n<\/tr>\n

\n

\nOperating lease equipment<\/p>\n<\/td>\n

\n

\n374<\/p>\n<\/td>\n

\n

\n379<\/p>\n<\/td>\n

\n

\n319<\/p>\n<\/td>\n

\n

\n(1%)<\/p>\n<\/td>\n

\n

\n17%<\/p>\n<\/td>\n<\/tr>\n

\n

\nGoodwill<\/p>\n<\/td>\n

\n

\n4,947<\/p>\n<\/td>\n

\n

\n4,947<\/p>\n<\/td>\n

\n

\n4,918<\/p>\n<\/td>\n

\n

\n\u2014<\/p>\n<\/td>\n

\n

\n1%<\/p>\n<\/td>\n<\/tr>\n

\n

\nIntangible assets<\/p>\n<\/td>\n

\n

\n69<\/p>\n<\/td>\n

\n

\n76<\/p>\n<\/td>\n

\n

\n90<\/p>\n<\/td>\n

\n

\n(9%)<\/p>\n<\/td>\n

\n

\n(23%)<\/p>\n<\/td>\n<\/tr>\n

\n

\nServicing rights<\/p>\n<\/td>\n

\n

\n1,598<\/p>\n<\/td>\n

\n

\n1,601<\/p>\n<\/td>\n

\n

\n1,704<\/p>\n<\/td>\n

\n

\n\u2014<\/p>\n<\/td>\n

\n

\n(6%)<\/p>\n<\/td>\n<\/tr>\n

\n

\nOther assets<\/p>\n<\/td>\n

\n

\n12,111<\/p>\n<\/td>\n

\n

\n12,176<\/p>\n<\/td>\n

\n

\n12,857<\/p>\n<\/td>\n

\n

\n(1%)<\/p>\n<\/td>\n

\n

\n(6%)<\/p>\n<\/td>\n<\/tr>\n

\n

Total Assets<\/b><\/p>\n<\/td>\n

\n

\n$214,376<\/p>\n<\/td>\n

\n

\n$212,903<\/p>\n<\/td>\n

\n

\n$212,927<\/p>\n<\/td>\n

\n

\n1%<\/p>\n<\/td>\n

\n

\n1%<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

Liabilities<\/b><\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\nDeposits:<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\nDemand<\/p>\n<\/td>\n

\n

\n$42,647<\/p>\n<\/td>\n

\n

\n$41,830<\/p>\n<\/td>\n

\n

\n$41,038<\/p>\n<\/td>\n

\n

\n2%<\/p>\n<\/td>\n

\n

\n4%<\/p>\n<\/td>\n<\/tr>\n

\n

\nInterest checking<\/p>\n<\/td>\n

\n

\n61,155<\/p>\n<\/td>\n

\n

\n57,239<\/p>\n<\/td>\n

\n

\n59,306<\/p>\n<\/td>\n

\n

\n7%<\/p>\n<\/td>\n

\n

\n3%<\/p>\n<\/td>\n<\/tr>\n

\n

\nSavings<\/p>\n<\/td>\n

\n

\n16,155<\/p>\n<\/td>\n

\n

\n16,110<\/p>\n<\/td>\n

\n

\n17,147<\/p>\n<\/td>\n

\n

\n\u2014<\/p>\n<\/td>\n

\n

\n(6%)<\/p>\n<\/td>\n<\/tr>\n

\n

\nMoney market<\/p>\n<\/td>\n

\n

\n39,285<\/p>\n<\/td>\n

\n

\n38,748<\/p>\n<\/td>\n

\n

\n36,605<\/p>\n<\/td>\n

\n

\n1%<\/p>\n<\/td>\n

\n

\n7%<\/p>\n<\/td>\n<\/tr>\n

\n

\nCDs $250,000 or less<\/p>\n<\/td>\n

\n

\n10,599<\/p>\n<\/td>\n

\n

\n10,667<\/p>\n<\/td>\n

\n

\n10,798<\/p>\n<\/td>\n

\n

\n(1%)<\/p>\n<\/td>\n

\n

\n(2%)<\/p>\n<\/td>\n<\/tr>\n

\n

\nCDs over $250,000<\/p>\n<\/td>\n

\n

\n1,978<\/p>\n<\/td>\n

\n

\n1,975<\/p>\n<\/td>\n

\n

\n2,358<\/p>\n<\/td>\n

\n

\n\u2014<\/p>\n<\/td>\n

\n

\n(16%)<\/p>\n<\/td>\n<\/tr>\n

\n

\nTotal deposits<\/p>\n<\/td>\n

\n

\n171,819<\/p>\n<\/td>\n

\n

\n166,569<\/p>\n<\/td>\n

\n

\n167,252<\/p>\n<\/td>\n

\n

\n3%<\/p>\n<\/td>\n

\n

\n3%<\/p>\n<\/td>\n<\/tr>\n

\n

\nShort-term borrowings(d)<\/sup><\/i><\/p>\n<\/td>\n

\n

\n926<\/p>\n<\/td>\n

\n

\n5,260<\/p>\n<\/td>\n

\n

\n4,654<\/p>\n<\/td>\n

\n

\n(82%)<\/p>\n<\/td>\n

\n

\n(80%)<\/p>\n<\/td>\n<\/tr>\n

\n

\nAccrued taxes, interest and expenses<\/p>\n<\/td>\n

\n

\n2,083<\/p>\n<\/td>\n

\n

\n1,943<\/p>\n<\/td>\n

\n

\n2,137<\/p>\n<\/td>\n

\n

\n7%<\/p>\n<\/td>\n

\n

\n(3%)<\/p>\n<\/td>\n<\/tr>\n

\n

\nOther liabilities<\/p>\n<\/td>\n

\n

\n4,235<\/p>\n<\/td>\n

\n

\n4,347<\/p>\n<\/td>\n

\n

\n4,902<\/p>\n<\/td>\n

\n

\n(3%)<\/p>\n<\/td>\n

\n

\n(14%)<\/p>\n<\/td>\n<\/tr>\n

\n

\nLong-term debt<\/p>\n<\/td>\n

\n

\n13,589<\/p>\n<\/td>\n

\n

\n13,677<\/p>\n<\/td>\n

\n

\n14,337<\/p>\n<\/td>\n

\n

\n(1%)<\/p>\n<\/td>\n

\n

\n(5%)<\/p>\n<\/td>\n<\/tr>\n

\n

Total Liabilities<\/b><\/p>\n<\/td>\n

\n

\n192,652<\/p>\n<\/td>\n

\n

\n191,796<\/p>\n<\/td>\n

\n

\n193,282<\/p>\n<\/td>\n

\n

\n\u2014<\/p>\n<\/td>\n

\n

\n\u2014<\/p>\n<\/td>\n<\/tr>\n

\n

Equity<\/b><\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\nCommon stock(c)<\/sup><\/i><\/p>\n<\/td>\n

\n

\n2,051<\/p>\n<\/td>\n

\n

\n2,051<\/p>\n<\/td>\n

\n

\n2,051<\/p>\n<\/td>\n

\n

\n\u2014<\/p>\n<\/td>\n

\n

\n\u2014<\/p>\n<\/td>\n<\/tr>\n

\n

\nPreferred stock<\/p>\n<\/td>\n

\n

\n1,770<\/p>\n<\/td>\n

\n

\n1,770<\/p>\n<\/td>\n

\n

\n2,116<\/p>\n<\/td>\n

\n

\n\u2014<\/p>\n<\/td>\n

\n

\n(16%)<\/p>\n<\/td>\n<\/tr>\n

\n

\nCapital surplus<\/p>\n<\/td>\n

\n

\n3,831<\/p>\n<\/td>\n

\n

\n3,813<\/p>\n<\/td>\n

\n

\n3,804<\/p>\n<\/td>\n

\n

\n\u2014<\/p>\n<\/td>\n

\n

\n1%<\/p>\n<\/td>\n<\/tr>\n

\n

\nRetained earnings<\/p>\n<\/td>\n

\n

\n25,488<\/p>\n<\/td>\n

\n

\n25,057<\/p>\n<\/td>\n

\n

\n24,150<\/p>\n<\/td>\n

\n

\n2%<\/p>\n<\/td>\n

\n

\n6%<\/p>\n<\/td>\n<\/tr>\n

\n

\nAccumulated other comprehensive loss<\/p>\n<\/td>\n

\n

\n(3,110)<\/p>\n<\/td>\n

\n

\n(3,276)<\/p>\n<\/td>\n

\n

\n(4,636)<\/p>\n<\/td>\n

\n

\n(5%)<\/p>\n<\/td>\n

\n

\n(33%)<\/p>\n<\/td>\n<\/tr>\n

\n

\nTreasury stock<\/p>\n<\/td>\n

\n

\n(8,306)<\/p>\n<\/td>\n

\n

\n(8,308)<\/p>\n<\/td>\n

\n

\n(7,840)<\/p>\n<\/td>\n

\n

\n\u2014<\/p>\n<\/td>\n

\n

\n6%<\/p>\n<\/td>\n<\/tr>\n

\n

Total Equity<\/b><\/p>\n<\/td>\n

\n

\n21,724<\/p>\n<\/td>\n

\n

\n21,107<\/p>\n<\/td>\n

\n

\n19,645<\/p>\n<\/td>\n

\n

\n3%<\/p>\n<\/td>\n

\n

\n11%<\/p>\n<\/td>\n<\/tr>\n

\n

Total Liabilities and Equity<\/b><\/p>\n<\/td>\n

\n

\n$214,376<\/p>\n<\/td>\n

\n

\n$212,903<\/p>\n<\/td>\n

\n

\n$212,927<\/p>\n<\/td>\n

\n

\n1%<\/p>\n<\/td>\n

\n

\n1%<\/p>\n<\/td>\n<\/tr>\n

\n

(a) Amortized cost<\/i><\/p>\n<\/td>\n

\n

$39,107<\/i><\/p>\n<\/td>\n

\n

$39,617<\/i><\/p>\n<\/td>\n

\n

$43,878<\/i><\/p>\n<\/td>\n

\n

(1%)<\/i><\/p>\n<\/td>\n

\n

(11%)<\/i><\/p>\n<\/td>\n<\/tr>\n

\n

(b) Market values<\/i><\/p>\n<\/td>\n

\n

11,404<\/i><\/p>\n<\/td>\n

\n

11,506<\/i><\/p>\n<\/td>\n

\n

10,965<\/i><\/p>\n<\/td>\n

\n

(1%)<\/i><\/p>\n<\/td>\n

\n

4%<\/i><\/p>\n<\/td>\n<\/tr>\n

\n

(c) Common shares, stated value $2.22 per share (in thousands):<\/i><\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

Authorized<\/i><\/p>\n<\/td>\n

\n

2,000,000<\/i><\/p>\n<\/td>\n

\n

2,000,000<\/i><\/p>\n<\/td>\n

\n

2,000,000<\/i><\/p>\n<\/td>\n

\n

\u2014<\/i><\/p>\n<\/td>\n

\n

\u2014<\/i><\/p>\n<\/td>\n<\/tr>\n

\n

Outstanding, excluding treasury<\/i><\/p>\n<\/td>\n

\n

661,198<\/i><\/p>\n<\/td>\n

\n

660,973<\/i><\/p>\n<\/td>\n

\n

669,854<\/i><\/p>\n<\/td>\n

\n

\u2014<\/i><\/p>\n<\/td>\n

\n

\u2014<\/i><\/p>\n<\/td>\n<\/tr>\n

\n

Treasury<\/i><\/p>\n<\/td>\n

\n

262,695<\/i><\/p>\n<\/td>\n

\n

262,919<\/i><\/p>\n<\/td>\n

\n

254,039<\/i><\/p>\n<\/td>\n

\n

\u2014<\/i><\/p>\n<\/td>\n

\n

\u2014<\/i><\/p>\n<\/td>\n<\/tr>\n

\n

(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 <\/i>current period presentation.<\/i><\/p>\n<\/td>\n<\/tr>\n<\/table>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
\n

Fifth Third Bancorp and Subsidiaries<\/b><\/p>\n<\/td>\n<\/tr>\n

\n

\nConsolidated Balance Sheets<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n$ in millions, except per share data<\/p>\n<\/td>\n

\n

\nAs of<\/p>\n<\/td>\n<\/tr>\n

\n

\n(unaudited)<\/p>\n<\/td>\n

\n

\nDecember<\/p>\n<\/td>\n

\n

\nSeptember<\/p>\n<\/td>\n

\n

\nJune<\/p>\n<\/td>\n

\n

\nMarch<\/p>\n<\/td>\n

\n

\nDecember<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n2025<\/p>\n<\/td>\n

\n

\n2025<\/p>\n<\/td>\n

\n

\n2025<\/p>\n<\/td>\n

\n

\n2025<\/p>\n<\/td>\n

\n

\n2024<\/p>\n<\/td>\n<\/tr>\n

\n

Assets<\/b><\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\nCash and due from banks<\/p>\n<\/td>\n

\n

\n$3,499<\/p>\n<\/td>\n

\n

\n$2,901<\/p>\n<\/td>\n

\n

\n$2,972<\/p>\n<\/td>\n

\n

\n$3,009<\/p>\n<\/td>\n

\n

\n$3,014<\/p>\n<\/td>\n<\/tr>\n

\n

\nOther short-term investments<\/p>\n<\/td>\n

\n

\n18,876<\/p>\n<\/td>\n

\n

\n17,215<\/p>\n<\/td>\n

\n

\n13,043<\/p>\n<\/td>\n

\n

\n14,965<\/p>\n<\/td>\n

\n

\n17,120<\/p>\n<\/td>\n<\/tr>\n

\n

\nAvailable-for-sale debt and other securities(a)<\/sup><\/i><\/p>\n<\/td>\n

\n

\n36,159<\/p>\n<\/td>\n

\n

\n36,461<\/p>\n<\/td>\n

\n

\n38,270<\/p>\n<\/td>\n

\n

\n39,747<\/p>\n<\/td>\n

\n

\n39,547<\/p>\n<\/td>\n<\/tr>\n

\n

\nHeld-to-maturity securities(b)<\/sup><\/i><\/p>\n<\/td>\n

\n

\n11,368<\/p>\n<\/td>\n

\n

\n11,498<\/p>\n<\/td>\n

\n

\n11,630<\/p>\n<\/td>\n

\n

\n11,185<\/p>\n<\/td>\n

\n

\n11,278<\/p>\n<\/td>\n<\/tr>\n

\n

\nTrading debt securities<\/p>\n<\/td>\n

\n

\n1,057<\/p>\n<\/td>\n

\n

\n1,266<\/p>\n<\/td>\n

\n

\n1,324<\/p>\n<\/td>\n

\n

\n1,159<\/p>\n<\/td>\n

\n

\n1,185<\/p>\n<\/td>\n<\/tr>\n

\n

\nEquity securities<\/p>\n<\/td>\n

\n

\n453<\/p>\n<\/td>\n

\n

\n287<\/p>\n<\/td>\n

\n

\n404<\/p>\n<\/td>\n

\n

\n494<\/p>\n<\/td>\n

\n

\n341<\/p>\n<\/td>\n<\/tr>\n

\n

\nLoans and leases held for sale<\/p>\n<\/td>\n

\n

\n733<\/p>\n<\/td>\n

\n

\n576<\/p>\n<\/td>\n

\n

\n646<\/p>\n<\/td>\n

\n

\n473<\/p>\n<\/td>\n

\n

\n640<\/p>\n<\/td>\n<\/tr>\n

\n

\nPortfolio loans and leases:<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\nCommercial and industrial loans<\/p>\n<\/td>\n

\n

\n52,749<\/p>\n<\/td>\n

\n

\n53,947<\/p>\n<\/td>\n

\n

\n53,312<\/p>\n<\/td>\n

\n

\n53,700<\/p>\n<\/td>\n

\n

\n52,271<\/p>\n<\/td>\n<\/tr>\n

\n

\nCommercial mortgage loans<\/p>\n<\/td>\n

\n

\n12,228<\/p>\n<\/td>\n

\n

\n11,932<\/p>\n<\/td>\n

\n

\n12,112<\/p>\n<\/td>\n

\n

\n12,357<\/p>\n<\/td>\n

\n

\n12,246<\/p>\n<\/td>\n<\/tr>\n

\n

\nCommercial construction loans<\/p>\n<\/td>\n

\n

\n5,316<\/p>\n<\/td>\n

\n

\n5,326<\/p>\n<\/td>\n

\n

\n5,551<\/p>\n<\/td>\n

\n

\n5,952<\/p>\n<\/td>\n

\n

\n5,588<\/p>\n<\/td>\n<\/tr>\n

\n

\nCommercial leases<\/p>\n<\/td>\n

\n

\n3,269<\/p>\n<\/td>\n

\n

\n3,218<\/p>\n<\/td>\n

\n

\n3,177<\/p>\n<\/td>\n

\n

\n3,128<\/p>\n<\/td>\n

\n

\n3,188<\/p>\n<\/td>\n<\/tr>\n

\n

\nTotal commercial loans and leases<\/p>\n<\/td>\n

\n

\n73,562<\/p>\n<\/td>\n

\n

\n74,423<\/p>\n<\/td>\n

\n

\n74,152<\/p>\n<\/td>\n

\n

\n75,137<\/p>\n<\/td>\n

\n

\n73,293<\/p>\n<\/td>\n<\/tr>\n

\n

\nResidential mortgage loans<\/p>\n<\/td>\n

\n

\n17,652<\/p>\n<\/td>\n

\n

\n17,644<\/p>\n<\/td>\n

\n

\n17,681<\/p>\n<\/td>\n

\n

\n17,581<\/p>\n<\/td>\n

\n

\n17,543<\/p>\n<\/td>\n<\/tr>\n

\n

\nHome equity<\/p>\n<\/td>\n

\n

\n4,846<\/p>\n<\/td>\n

\n

\n4,678<\/p>\n<\/td>\n

\n

\n4,485<\/p>\n<\/td>\n

\n

\n4,265<\/p>\n<\/td>\n

\n

\n4,188<\/p>\n<\/td>\n<\/tr>\n

\n

\nIndirect secured consumer loans<\/p>\n<\/td>\n

\n

\n17,964<\/p>\n<\/td>\n

\n

\n17,885<\/p>\n<\/td>\n

\n

\n17,591<\/p>\n<\/td>\n

\n

\n16,804<\/p>\n<\/td>\n

\n

\n16,313<\/p>\n<\/td>\n<\/tr>\n

\n

\nCredit card<\/p>\n<\/td>\n

\n

\n1,747<\/p>\n<\/td>\n

\n

\n1,692<\/p>\n<\/td>\n

\n

\n1,707<\/p>\n<\/td>\n

\n

\n1,660<\/p>\n<\/td>\n

\n

\n1,734<\/p>\n<\/td>\n<\/tr>\n

\n

\nSolar energy installation loans<\/p>\n<\/td>\n

\n

\n4,560<\/p>\n<\/td>\n

\n

\n4,432<\/p>\n<\/td>\n

\n

\n4,316<\/p>\n<\/td>\n

\n

\n4,262<\/p>\n<\/td>\n

\n

\n4,202<\/p>\n<\/td>\n<\/tr>\n

\n

\nOther consumer loans<\/p>\n<\/td>\n

\n

\n2,320<\/p>\n<\/td>\n

\n

\n2,376<\/p>\n<\/td>\n

\n

\n2,464<\/p>\n<\/td>\n

\n

\n2,482<\/p>\n<\/td>\n

\n

\n2,518<\/p>\n<\/td>\n<\/tr>\n

\n

\nTotal consumer loans<\/p>\n<\/td>\n

\n

\n49,089<\/p>\n<\/td>\n

\n

\n48,707<\/p>\n<\/td>\n

\n

\n48,244<\/p>\n<\/td>\n

\n

\n47,054<\/p>\n<\/td>\n

\n

\n46,498<\/p>\n<\/td>\n<\/tr>\n

\n

\nPortfolio loans and leases<\/p>\n<\/td>\n

\n

\n122,651<\/p>\n<\/td>\n

\n

\n123,130<\/p>\n<\/td>\n

\n

\n122,396<\/p>\n<\/td>\n

\n

\n122,191<\/p>\n<\/td>\n

\n

\n119,791<\/p>\n<\/td>\n<\/tr>\n

\n

\nAllowance for loan and lease losses<\/p>\n<\/td>\n

\n

\n(2,253)<\/p>\n<\/td>\n

\n

\n(2,265)<\/p>\n<\/td>\n

\n

\n(2,412)<\/p>\n<\/td>\n

\n

\n(2,384)<\/p>\n<\/td>\n

\n

\n(2,352)<\/p>\n<\/td>\n<\/tr>\n

\n

\nPortfolio loans and leases, net<\/p>\n<\/td>\n

\n

\n120,398<\/p>\n<\/td>\n

\n

\n120,865<\/p>\n<\/td>\n

\n

\n119,984<\/p>\n<\/td>\n

\n

\n119,807<\/p>\n<\/td>\n

\n

\n117,439<\/p>\n<\/td>\n<\/tr>\n

\n

\nBank premises and equipment<\/p>\n<\/td>\n

\n

\n2,734<\/p>\n<\/td>\n

\n

\n2,655<\/p>\n<\/td>\n

\n

\n2,560<\/p>\n<\/td>\n

\n

\n2,506<\/p>\n<\/td>\n

\n

\n2,475<\/p>\n<\/td>\n<\/tr>\n

\n

\nOperating lease equipment<\/p>\n<\/td>\n

\n

\n374<\/p>\n<\/td>\n

\n

\n379<\/p>\n<\/td>\n

\n

\n344<\/p>\n<\/td>\n

\n

\n314<\/p>\n<\/td>\n

\n

\n319<\/p>\n<\/td>\n<\/tr>\n

\n

\nGoodwill<\/p>\n<\/td>\n

\n

\n4,947<\/p>\n<\/td>\n

\n

\n4,947<\/p>\n<\/td>\n

\n

\n4,918<\/p>\n<\/td>\n

\n

\n4,918<\/p>\n<\/td>\n

\n

\n4,918<\/p>\n<\/td>\n<\/tr>\n

\n

\nIntangible assets<\/p>\n<\/td>\n

\n

\n69<\/p>\n<\/td>\n

\n

\n76<\/p>\n<\/td>\n

\n

\n75<\/p>\n<\/td>\n

\n

\n82<\/p>\n<\/td>\n

\n

\n90<\/p>\n<\/td>\n<\/tr>\n

\n

\nServicing rights<\/p>\n<\/td>\n

\n

\n1,598<\/p>\n<\/td>\n

\n

\n1,601<\/p>\n<\/td>\n

\n

\n1,629<\/p>\n<\/td>\n

\n

\n1,663<\/p>\n<\/td>\n

\n

\n1,704<\/p>\n<\/td>\n<\/tr>\n

\n

\nOther assets<\/p>\n<\/td>\n

\n

\n12,111<\/p>\n<\/td>\n

\n

\n12,176<\/p>\n<\/td>\n

\n

\n12,192<\/p>\n<\/td>\n

\n

\n12,347<\/p>\n<\/td>\n

\n

\n12,857<\/p>\n<\/td>\n<\/tr>\n

\n

Total Assets<\/b><\/p>\n<\/td>\n

\n

\n$214,376<\/p>\n<\/td>\n

\n

\n$212,903<\/p>\n<\/td>\n

\n

\n$209,991<\/p>\n<\/td>\n

\n

\n$212,669<\/p>\n<\/td>\n

\n

\n$212,927<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

Liabilities<\/b><\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\nDeposits:<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\nDemand<\/p>\n<\/td>\n

\n

\n$42,647<\/p>\n<\/td>\n

\n

\n$41,830<\/p>\n<\/td>\n

\n

\n$42,174<\/p>\n<\/td>\n

\n

\n$40,855<\/p>\n<\/td>\n

\n

\n$41,038<\/p>\n<\/td>\n<\/tr>\n

\n

\nInterest checking<\/p>\n<\/td>\n

\n

\n61,155<\/p>\n<\/td>\n

\n

\n57,239<\/p>\n<\/td>\n

\n

\n55,524<\/p>\n<\/td>\n

\n

\n58,420<\/p>\n<\/td>\n

\n

\n59,306<\/p>\n<\/td>\n<\/tr>\n

\n

\nSavings<\/p>\n<\/td>\n

\n

\n16,155<\/p>\n<\/td>\n

\n

\n16,110<\/p>\n<\/td>\n

\n

\n16,614<\/p>\n<\/td>\n

\n

\n17,583<\/p>\n<\/td>\n

\n

\n17,147<\/p>\n<\/td>\n<\/tr>\n

\n

\nMoney market<\/p>\n<\/td>\n

\n

\n39,285<\/p>\n<\/td>\n

\n

\n38,748<\/p>\n<\/td>\n

\n

\n36,586<\/p>\n<\/td>\n

\n

\n36,505<\/p>\n<\/td>\n

\n

\n36,605<\/p>\n<\/td>\n<\/tr>\n

\n

\nCDs $250,000 or less<\/p>\n<\/td>\n

\n

\n10,599<\/p>\n<\/td>\n

\n

\n10,667<\/p>\n<\/td>\n

\n

\n10,883<\/p>\n<\/td>\n

\n

\n10,248<\/p>\n<\/td>\n

\n

\n10,798<\/p>\n<\/td>\n<\/tr>\n

\n

\nCDs over $250,000<\/p>\n<\/td>\n

\n

\n1,978<\/p>\n<\/td>\n

\n

\n1,975<\/p>\n<\/td>\n

\n

\n2,426<\/p>\n<\/td>\n

\n

\n1,894<\/p>\n<\/td>\n

\n

\n2,358<\/p>\n<\/td>\n<\/tr>\n

\n

\nTotal deposits<\/p>\n<\/td>\n

\n

\n171,819<\/p>\n<\/td>\n

\n

\n166,569<\/p>\n<\/td>\n

\n

\n164,207<\/p>\n<\/td>\n

\n

\n165,505<\/p>\n<\/td>\n

\n

\n167,252<\/p>\n<\/td>\n<\/tr>\n

\n

\nShort-term borrowings(d)<\/sup><\/i><\/p>\n<\/td>\n

\n

\n926<\/p>\n<\/td>\n

\n

\n5,260<\/p>\n<\/td>\n

\n

\n3,571<\/p>\n<\/td>\n

\n

\n5,684<\/p>\n<\/td>\n

\n

\n4,654<\/p>\n<\/td>\n<\/tr>\n

\n

\nAccrued taxes, interest and expenses<\/p>\n<\/td>\n

\n

\n2,083<\/p>\n<\/td>\n

\n

\n1,943<\/p>\n<\/td>\n

\n

\n1,970<\/p>\n<\/td>\n

\n

\n1,722<\/p>\n<\/td>\n

\n

\n2,137<\/p>\n<\/td>\n<\/tr>\n

\n

\nOther liabilities<\/p>\n<\/td>\n

\n

\n4,235<\/p>\n<\/td>\n

\n

\n4,347<\/p>\n<\/td>\n

\n

\n4,627<\/p>\n<\/td>\n

\n

\n4,816<\/p>\n<\/td>\n

\n

\n4,902<\/p>\n<\/td>\n<\/tr>\n

\n

\nLong-term debt<\/p>\n<\/td>\n

\n

\n13,589<\/p>\n<\/td>\n

\n

\n13,677<\/p>\n<\/td>\n

\n

\n14,492<\/p>\n<\/td>\n

\n

\n14,539<\/p>\n<\/td>\n

\n

\n14,337<\/p>\n<\/td>\n<\/tr>\n

\n

Total Liabilities<\/b><\/p>\n<\/td>\n

\n

\n192,652<\/p>\n<\/td>\n

\n

\n191,796<\/p>\n<\/td>\n

\n

\n188,867<\/p>\n<\/td>\n

\n

\n192,266<\/p>\n<\/td>\n

\n

\n193,282<\/p>\n<\/td>\n<\/tr>\n

\n

Equity<\/b><\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\nCommon stock(c)<\/sup><\/i><\/p>\n<\/td>\n

\n

\n2,051<\/p>\n<\/td>\n

\n

\n2,051<\/p>\n<\/td>\n

\n

\n2,051<\/p>\n<\/td>\n

\n

\n2,051<\/p>\n<\/td>\n

\n

\n2,051<\/p>\n<\/td>\n<\/tr>\n

\n

\nPreferred stock<\/p>\n<\/td>\n

\n

\n1,770<\/p>\n<\/td>\n

\n

\n1,770<\/p>\n<\/td>\n

\n

\n2,116<\/p>\n<\/td>\n

\n

\n2,116<\/p>\n<\/td>\n

\n

\n2,116<\/p>\n<\/td>\n<\/tr>\n

\n

\nCapital surplus<\/p>\n<\/td>\n

\n

\n3,831<\/p>\n<\/td>\n

\n

\n3,813<\/p>\n<\/td>\n

\n

\n3,794<\/p>\n<\/td>\n

\n

\n3,773<\/p>\n<\/td>\n

\n

\n3,804<\/p>\n<\/td>\n<\/tr>\n

\n

\nRetained earnings<\/p>\n<\/td>\n

\n

\n25,488<\/p>\n<\/td>\n

\n

\n25,057<\/p>\n<\/td>\n

\n

\n24,718<\/p>\n<\/td>\n

\n

\n24,377<\/p>\n<\/td>\n

\n

\n24,150<\/p>\n<\/td>\n<\/tr>\n

\n

\nAccumulated other comprehensive loss<\/p>\n<\/td>\n

\n

\n(3,110)<\/p>\n<\/td>\n

\n

\n(3,276)<\/p>\n<\/td>\n

\n

\n(3,546)<\/p>\n<\/td>\n

\n

\n(3,895)<\/p>\n<\/td>\n

\n

\n(4,636)<\/p>\n<\/td>\n<\/tr>\n

\n

\nTreasury stock<\/p>\n<\/td>\n

\n

\n(8,306)<\/p>\n<\/td>\n

\n

\n(8,308)<\/p>\n<\/td>\n

\n

\n(8,009)<\/p>\n<\/td>\n

\n

\n(8,019)<\/p>\n<\/td>\n

\n

\n(7,840)<\/p>\n<\/td>\n<\/tr>\n

\n

Total Equity<\/b><\/p>\n<\/td>\n

\n

\n21,724<\/p>\n<\/td>\n

\n

\n21,107<\/p>\n<\/td>\n

\n

\n21,124<\/p>\n<\/td>\n

\n

\n20,403<\/p>\n<\/td>\n

\n

\n19,645<\/p>\n<\/td>\n<\/tr>\n

\n

Total Liabilities and Equity<\/b><\/p>\n<\/td>\n

\n

\n$214,376<\/p>\n<\/td>\n

\n

\n$212,903<\/p>\n<\/td>\n

\n

\n$209,991<\/p>\n<\/td>\n

\n

\n$212,669<\/p>\n<\/td>\n

\n

\n$212,927<\/p>\n<\/td>\n<\/tr>\n

\n

(a) Amortized cost<\/i><\/p>\n<\/td>\n

\n

$39,107<\/i><\/p>\n<\/td>\n

\n

$39,617<\/i><\/p>\n<\/td>\n

\n

$41,731<\/i><\/p>\n<\/td>\n

\n

$43,445<\/i><\/p>\n<\/td>\n

\n

$43,878<\/i><\/p>\n<\/td>\n<\/tr>\n

\n

(b) Market values<\/i><\/p>\n<\/td>\n

\n

11,404<\/i><\/p>\n<\/td>\n

\n

11,506<\/i><\/p>\n<\/td>\n

\n

11,547<\/i><\/p>\n<\/td>\n

\n

11,072<\/i><\/p>\n<\/td>\n

\n

10,965<\/i><\/p>\n<\/td>\n<\/tr>\n

\n

(c) Common shares, stated value $2.22 per share (in thousands):<\/i><\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

Authorized<\/i><\/p>\n<\/td>\n

\n

2,000,000<\/i><\/p>\n<\/td>\n

\n

2,000,000<\/i><\/p>\n<\/td>\n

\n

2,000,000<\/i><\/p>\n<\/td>\n

\n

2,000,000<\/i><\/p>\n<\/td>\n

\n

2,000,000<\/i><\/p>\n<\/td>\n<\/tr>\n

\n

Outstanding, excluding treasury<\/i><\/p>\n<\/td>\n

\n

661,198<\/i><\/p>\n<\/td>\n

\n

660,973<\/i><\/p>\n<\/td>\n

\n

667,710<\/i><\/p>\n<\/td>\n

\n

667,272<\/i><\/p>\n<\/td>\n

\n

669,854<\/i><\/p>\n<\/td>\n<\/tr>\n

\n

Treasury<\/i><\/p>\n<\/td>\n

\n

262,695<\/i><\/p>\n<\/td>\n

\n

262,919<\/i><\/p>\n<\/td>\n

\n

256,183<\/i><\/p>\n<\/td>\n

\n

256,621<\/i><\/p>\n<\/td>\n

\n

254,039<\/i><\/p>\n<\/td>\n<\/tr>\n

\n

(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 <\/i>current period presentation.<\/i><\/p>\n<\/td>\n<\/tr>\n<\/table>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
\n

Fifth Third Bancorp and Subsidiaries<\/b><\/p>\n<\/td>\n<\/tr>\n

\n

\nConsolidated Statements of Changes in Equity<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n$ in millions<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n(unaudited)<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nFor the Three Months Ended<\/p>\n<\/td>\n

\n

\nYear to Date<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nDecember<\/p>\n<\/td>\n

\n

\nDecember<\/p>\n<\/td>\n

\n

\nDecember<\/p>\n<\/td>\n

\n

\nDecember<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n2025<\/p>\n<\/td>\n

\n

\n2024<\/p>\n<\/td>\n

\n

\n2025<\/p>\n<\/td>\n

\n

\n2024<\/p>\n<\/td>\n<\/tr>\n

\n

Total Equity, Beginning<\/b><\/p>\n<\/td>\n

\n

\n$21,107<\/p>\n<\/td>\n

\n

\n$20,784<\/p>\n<\/td>\n

\n

\n$19,645<\/p>\n<\/td>\n

\n

\n$19,172<\/p>\n<\/td>\n<\/tr>\n

\n

\nNet income<\/p>\n<\/td>\n

\n

\n731<\/p>\n<\/td>\n

\n

\n620<\/p>\n<\/td>\n

\n

\n2,522<\/p>\n<\/td>\n

\n

\n2,314<\/p>\n<\/td>\n<\/tr>\n

\n

\nOther comprehensive income, net of tax:<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\nChange in unrealized gains (losses):<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\nAvailable-for-sale debt securities<\/p>\n<\/td>\n

\n

\n159<\/p>\n<\/td>\n

\n

\n(747)<\/p>\n<\/td>\n

\n

\n1,049<\/p>\n<\/td>\n

\n

\n29<\/p>\n<\/td>\n<\/tr>\n

\n

\nQualifying cash flow hedges<\/p>\n<\/td>\n

\n

\n(18)<\/p>\n<\/td>\n

\n

\n(468)<\/p>\n<\/td>\n

\n

\n379<\/p>\n<\/td>\n

\n

\n(282)<\/p>\n<\/td>\n<\/tr>\n

\n

\nAmortization of unrealized losses on securities transferred to held-to-maturity<\/p>\n<\/td>\n

\n

\n25<\/p>\n<\/td>\n

\n

\n25<\/p>\n<\/td>\n

\n

\n97<\/p>\n<\/td>\n

\n

\n101<\/p>\n<\/td>\n<\/tr>\n

\n

\nChange in accumulated other comprehensive income related to employee benefit plans<\/p>\n<\/td>\n

\n

\n\u2014<\/p>\n<\/td>\n

\n

\n\u2014<\/p>\n<\/td>\n

\n

\n1<\/p>\n<\/td>\n

\n

\n1<\/p>\n<\/td>\n<\/tr>\n

\n

\nOther<\/p>\n<\/td>\n

\n

\n\u2014<\/p>\n<\/td>\n

\n

\n\u2014<\/p>\n<\/td>\n

\n

\n\u2014<\/p>\n<\/td>\n

\n

\n2<\/p>\n<\/td>\n<\/tr>\n

\n

\nComprehensive income<\/p>\n<\/td>\n

\n

\n897<\/p>\n<\/td>\n

\n

\n(570)<\/p>\n<\/td>\n

\n

\n4,048<\/p>\n<\/td>\n

\n

\n2,165<\/p>\n<\/td>\n<\/tr>\n

\n

\nCash dividends declared:<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\nCommon stock<\/p>\n<\/td>\n

\n

\n(268)<\/p>\n<\/td>\n

\n

\n(252)<\/p>\n<\/td>\n

\n

\n(1,038)<\/p>\n<\/td>\n

\n

\n(992)<\/p>\n<\/td>\n<\/tr>\n

\n

\nPreferred stock<\/p>\n<\/td>\n

\n

\n(32)<\/p>\n<\/td>\n

\n

\n(38)<\/p>\n<\/td>\n

\n

\n(142)<\/p>\n<\/td>\n

\n

\n(159)<\/p>\n<\/td>\n<\/tr>\n

\n

\nImpact of stock transactions under stock compensation plans, net<\/p>\n<\/td>\n

\n

\n20<\/p>\n<\/td>\n

\n

\n24<\/p>\n<\/td>\n

\n

\n90<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\nShares acquired for treasury<\/p>\n<\/td>\n

\n

\n\u2014<\/p>\n<\/td>\n

\n

\n(303)<\/p>\n<\/td>\n

\n

\n(529)<\/p>\n<\/td>\n

\n

\n(630)<\/p>\n<\/td>\n<\/tr>\n

\n

\nRedemption of preferred stock<\/p>\n<\/td>\n

\n

\n\u2014<\/p>\n<\/td>\n

\n

\n\u2014<\/p>\n<\/td>\n

\n

\n(350)<\/p>\n<\/td>\n

\n

\n\u2014<\/p>\n<\/td>\n<\/tr>\n

\n

\nImpact of cumulative effect of change in accounting principle<\/p>\n<\/td>\n

\n

\n\u2014<\/p>\n<\/td>\n

\n

\n\u2014<\/p>\n<\/td>\n

\n

\n\u2014<\/p>\n<\/td>\n

\n

\n(10)<\/p>\n<\/td>\n<\/tr>\n

\n

Total Equity, Ending<\/b><\/p>\n<\/td>\n

\n

\n$21,724<\/p>\n<\/td>\n

\n

\n$19,645<\/p>\n<\/td>\n

\n

\n$21,724<\/p>\n<\/td>\n

\n

\n$19,645<\/p>\n<\/td>\n<\/tr>\n<\/table>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
\n

Fifth Third Bancorp and Subsidiaries<\/b><\/p>\n<\/td>\n<\/tr>\n

\n

\nAverage Balance Sheets and Yield\/Rate Analysis<\/p>\n<\/td>\n

\n

\nFor the Three Months Ended<\/p>\n<\/td>\n<\/tr>\n

\n

\n$ in millions<\/p>\n<\/td>\n

\n

\nDecember<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nSeptember<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nDecember<\/p>\n<\/td>\n<\/tr>\n

\n

\n(unaudited)<\/p>\n<\/td>\n

\n

\n2025<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n2025<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n2024<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nAverage<\/p>\n<\/td>\n

\n

\nAverage<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nAverage<\/p>\n<\/td>\n

\n

\nAverage<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nAverage<\/p>\n<\/td>\n

\n

\nAverage<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nBalance<\/p>\n<\/td>\n

\n

\nYield\/Rate<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nBalance<\/p>\n<\/td>\n

\n

\nYield\/Rate<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nBalance<\/p>\n<\/td>\n

\n

\nYield\/Rate<\/p>\n<\/td>\n<\/tr>\n

\n

Assets<\/b><\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\nInterest-earning assets:<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\nLoans and leases:<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\nCommercial and industrial loans(a)<\/sup><\/i><\/p>\n<\/td>\n

\n

\n$53,960<\/p>\n<\/td>\n

\n

\n5.96%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n$54,196<\/p>\n<\/td>\n

\n

\n6.20%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n$51,575<\/p>\n<\/td>\n

\n

\n6.65%<\/p>\n<\/td>\n<\/tr>\n

\n

\nCommercial mortgage loans(a)<\/sup><\/i><\/p>\n<\/td>\n

\n

\n12,083<\/p>\n<\/td>\n

\n

\n5.95%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n12,043<\/p>\n<\/td>\n

\n

\n6.26%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n11,822<\/p>\n<\/td>\n

\n

\n5.76%<\/p>\n<\/td>\n<\/tr>\n

\n

\nCommercial construction loans(a)<\/sup><\/i><\/p>\n<\/td>\n

\n

\n5,399<\/p>\n<\/td>\n

\n

\n6.84%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n5,541<\/p>\n<\/td>\n

\n

\n7.17%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n5,711<\/p>\n<\/td>\n

\n

\n6.58%<\/p>\n<\/td>\n<\/tr>\n

\n

\nCommercial leases(a)<\/sup><\/i><\/p>\n<\/td>\n

\n

\n3,172<\/p>\n<\/td>\n

\n

\n4.68%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n3,177<\/p>\n<\/td>\n

\n

\n4.70%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n2,902<\/p>\n<\/td>\n

\n

\n4.62%<\/p>\n<\/td>\n<\/tr>\n

\n

\nTotal commercial loans and leases<\/p>\n<\/td>\n

\n

\n74,614<\/p>\n<\/td>\n

\n

\n5.96%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n74,957<\/p>\n<\/td>\n

\n

\n6.22%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n72,010<\/p>\n<\/td>\n

\n

\n6.42%<\/p>\n<\/td>\n<\/tr>\n

\n

\nResidential mortgage loans<\/p>\n<\/td>\n

\n

\n18,358<\/p>\n<\/td>\n

\n

\n4.01%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n18,279<\/p>\n<\/td>\n

\n

\n4.03%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n17,906<\/p>\n<\/td>\n

\n

\n3.80%<\/p>\n<\/td>\n<\/tr>\n

\n

\nHome equity<\/p>\n<\/td>\n

\n

\n4,770<\/p>\n<\/td>\n

\n

\n7.23%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n4,580<\/p>\n<\/td>\n

\n

\n7.43%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n4,125<\/p>\n<\/td>\n

\n

\n7.95%<\/p>\n<\/td>\n<\/tr>\n

\n

\nIndirect secured consumer loans<\/p>\n<\/td>\n

\n

\n17,879<\/p>\n<\/td>\n

\n

\n5.62%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n17,729<\/p>\n<\/td>\n

\n

\n5.65%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n16,100<\/p>\n<\/td>\n

\n

\n5.53%<\/p>\n<\/td>\n<\/tr>\n

\n

\nCredit card<\/p>\n<\/td>\n

\n

\n1,695<\/p>\n<\/td>\n

\n

\n14.04%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n1,678<\/p>\n<\/td>\n

\n

\n14.26%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n1,668<\/p>\n<\/td>\n

\n

\n14.24%<\/p>\n<\/td>\n<\/tr>\n

\n

\nSolar energy installation loans<\/p>\n<\/td>\n

\n

\n4,486<\/p>\n<\/td>\n

\n

\n9.00%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n4,355<\/p>\n<\/td>\n

\n

\n8.76%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n4,137<\/p>\n<\/td>\n

\n

\n7.91%<\/p>\n<\/td>\n<\/tr>\n

\n

\nOther consumer loans<\/p>\n<\/td>\n

\n

\n2,345<\/p>\n<\/td>\n

\n

\n9.33%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n2,415<\/p>\n<\/td>\n

\n

\n9.25%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n2,546<\/p>\n<\/td>\n

\n

\n9.28%<\/p>\n<\/td>\n<\/tr>\n

\n

\nTotal consumer loans<\/p>\n<\/td>\n

\n

\n49,533<\/p>\n<\/td>\n

\n

\n5.94%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n49,036<\/p>\n<\/td>\n

\n

\n5.96%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n46,482<\/p>\n<\/td>\n

\n

\n5.81%<\/p>\n<\/td>\n<\/tr>\n

\n

\nTotal loans and leases<\/p>\n<\/td>\n

\n

\n124,147<\/p>\n<\/td>\n

\n

\n5.96%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n123,993<\/p>\n<\/td>\n

\n

\n6.12%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n118,492<\/p>\n<\/td>\n

\n

\n6.18%<\/p>\n<\/td>\n<\/tr>\n

\n

\nSecurities:<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\nTaxable securities<\/p>\n<\/td>\n

\n

\n51,157<\/p>\n<\/td>\n

\n

\n3.28%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n53,244<\/p>\n<\/td>\n

\n

\n3.25%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n55,319<\/p>\n<\/td>\n

\n

\n3.27%<\/p>\n<\/td>\n<\/tr>\n

\n

\nTax exempt securities(a)<\/sup><\/i><\/p>\n<\/td>\n

\n

\n1,355<\/p>\n<\/td>\n

\n

\n3.12%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n1,348<\/p>\n<\/td>\n

\n

\n3.18%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n1,383<\/p>\n<\/td>\n

\n

\n3.18%<\/p>\n<\/td>\n<\/tr>\n

\n

\nOther short-term investments<\/p>\n<\/td>\n

\n

\n17,485<\/p>\n<\/td>\n

\n

\n3.96%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n14,915<\/p>\n<\/td>\n

\n

\n4.43%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n18,319<\/p>\n<\/td>\n

\n

\n4.94%<\/p>\n<\/td>\n<\/tr>\n

\n

\nTotal interest-earning assets<\/p>\n<\/td>\n

\n

\n194,144<\/p>\n<\/td>\n

\n

\n5.05%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n193,500<\/p>\n<\/td>\n

\n

\n5.18%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n193,513<\/p>\n<\/td>\n

\n

\n5.21%<\/p>\n<\/td>\n<\/tr>\n

\n

\nCash and due from banks<\/p>\n<\/td>\n

\n

\n2,716<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n2,485<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n2,664<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\nOther assets<\/p>\n<\/td>\n

\n

\n18,425<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n18,196<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n17,838<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\nAllowance for loan and lease losses<\/p>\n<\/td>\n

\n

\n(2,264)<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n(2,411)<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n(2,306)<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

Total Assets<\/b><\/p>\n<\/td>\n

\n

\n$213,021<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n$211,770<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n$211,709<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

Liabilities<\/b><\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\nInterest-bearing liabilities:<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\nInterest checking deposits<\/p>\n<\/td>\n

\n

\n$58,612<\/p>\n<\/td>\n

\n

\n2.45%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n$56,624<\/p>\n<\/td>\n

\n

\n2.72%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n$59,441<\/p>\n<\/td>\n

\n

\n2.98%<\/p>\n<\/td>\n<\/tr>\n

\n

\nSavings deposits<\/p>\n<\/td>\n

\n

\n16,103<\/p>\n<\/td>\n

\n

\n0.40%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n16,376<\/p>\n<\/td>\n

\n

\n0.46%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n17,257<\/p>\n<\/td>\n

\n

\n0.64%<\/p>\n<\/td>\n<\/tr>\n

\n

\nMoney market deposits<\/p>\n<\/td>\n

\n

\n39,409<\/p>\n<\/td>\n

\n

\n2.39%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n37,434<\/p>\n<\/td>\n

\n

\n2.40%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n37,279<\/p>\n<\/td>\n

\n

\n2.65%<\/p>\n<\/td>\n<\/tr>\n

\n

\nCDs $250,000 or less<\/p>\n<\/td>\n

\n

\n10,541<\/p>\n<\/td>\n

\n

\n3.43%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n10,841<\/p>\n<\/td>\n

\n

\n3.46%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n10,592<\/p>\n<\/td>\n

\n

\n3.95%<\/p>\n<\/td>\n<\/tr>\n

\n

\nTotal interest-bearing core deposits<\/p>\n<\/td>\n

\n

\n124,665<\/p>\n<\/td>\n

\n

\n2.25%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n121,275<\/p>\n<\/td>\n

\n

\n2.38%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n124,569<\/p>\n<\/td>\n

\n

\n2.64%<\/p>\n<\/td>\n<\/tr>\n

\n

\nCDs over $250,000<\/p>\n<\/td>\n

\n

\n1,948<\/p>\n<\/td>\n

\n

\n3.94%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n2,244<\/p>\n<\/td>\n

\n

\n4.00%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n2,531<\/p>\n<\/td>\n

\n

\n4.83%<\/p>\n<\/td>\n<\/tr>\n

\n

\nTotal interest-bearing deposits<\/p>\n<\/td>\n

\n

\n126,613<\/p>\n<\/td>\n

\n

\n2.28%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n123,519<\/p>\n<\/td>\n

\n

\n2.41%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n127,100<\/p>\n<\/td>\n

\n

\n2.68%<\/p>\n<\/td>\n<\/tr>\n

\n

\nFederal funds purchased<\/p>\n<\/td>\n

\n

\n204<\/p>\n<\/td>\n

\n

\n3.92%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n198<\/p>\n<\/td>\n

\n

\n4.35%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n223<\/p>\n<\/td>\n

\n

\n4.73%<\/p>\n<\/td>\n<\/tr>\n

\n

\nSecurities sold under repurchase agreements<\/p>\n<\/td>\n

\n

\n365<\/p>\n<\/td>\n

\n

\n1.46%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n376<\/p>\n<\/td>\n

\n

\n1.65%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n313<\/p>\n<\/td>\n

\n

\n1.15%<\/p>\n<\/td>\n<\/tr>\n

\n

\nFHLB advances<\/p>\n<\/td>\n

\n

\n2,552<\/p>\n<\/td>\n

\n

\n4.47%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n4,920<\/p>\n<\/td>\n

\n

\n4.51%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n1,567<\/p>\n<\/td>\n

\n

\n4.87%<\/p>\n<\/td>\n<\/tr>\n

\n

\nDerivative collateral and other secured borrowings<\/p>\n<\/td>\n

\n

\n84<\/p>\n<\/td>\n

\n

\n6.92%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n82<\/p>\n<\/td>\n

\n

\n6.13%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n76<\/p>\n<\/td>\n

\n

\n7.68%<\/p>\n<\/td>\n<\/tr>\n

\n

\nLong-term debt<\/p>\n<\/td>\n

\n

\n13,700<\/p>\n<\/td>\n

\n

\n5.20%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n14,001<\/p>\n<\/td>\n

\n

\n5.31%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n15,492<\/p>\n<\/td>\n

\n

\n5.40%<\/p>\n<\/td>\n<\/tr>\n

\n

\nTotal interest-bearing liabilities<\/p>\n<\/td>\n

\n

\n143,518<\/p>\n<\/td>\n

\n

\n2.60%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n143,096<\/p>\n<\/td>\n

\n

\n2.77%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n144,771<\/p>\n<\/td>\n

\n

\n3.00%<\/p>\n<\/td>\n<\/tr>\n

\n

\nDemand deposits<\/p>\n<\/td>\n

\n

\n41,771<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n41,235<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n40,137<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\nOther liabilities<\/p>\n<\/td>\n

\n

\n6,205<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n6,223<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n6,908<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

Total Liabilities<\/b><\/p>\n<\/td>\n

\n

\n191,494<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n190,554<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n191,816<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

Total Equity<\/b><\/p>\n<\/td>\n

\n

\n21,527<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n21,216<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n19,893<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

Total Liabilities and Equity<\/b><\/p>\n<\/td>\n

\n

\n$213,021<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n$211,770<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n$211,709<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

Ratios:<\/b><\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\nNet interest margin (FTE)(b)<\/sup><\/i><\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n3.13%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n3.13%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n2.97%<\/p>\n<\/td>\n<\/tr>\n

\n

\nNet interest rate spread (FTE)(b)<\/sup><\/i><\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n2.45%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n2.41%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n2.21%<\/p>\n<\/td>\n<\/tr>\n

\n

\nInterest-bearing liabilities to interest-earning assets<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n73.92%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n73.95%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n74.81%<\/p>\n<\/td>\n<\/tr>\n

\n

(a) Average Yield\/Rate of these assets are presented on an FTE basis.<\/i><\/p>\n<\/td>\n<\/tr>\n

\n

(b) Non-GAAP measure; see discussion and reconciliation of non-GAAP measures beginning on page 27.<\/i><\/p>\n<\/td>\n<\/tr>\n<\/table>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
\n

Fifth Third Bancorp and Subsidiaries<\/b><\/p>\n<\/td>\n<\/tr>\n

\n

\nAverage Balance Sheets and Yield\/Rate Analysis<\/p>\n<\/td>\n

\n

\nYear to Date<\/p>\n<\/td>\n<\/tr>\n

\n

\n$ in millions<\/p>\n<\/td>\n

\n

\nDecember<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nDecember<\/p>\n<\/td>\n<\/tr>\n

\n

\n(unaudited)<\/p>\n<\/td>\n

\n

\n2025<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n2024<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nAverage<\/p>\n<\/td>\n

\n

\nAverage<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nAverage<\/p>\n<\/td>\n

\n

\nAverage<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nBalance<\/p>\n<\/td>\n

\n

\nYield\/Rate<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nBalance<\/p>\n<\/td>\n

\n

\nYield\/Rate<\/p>\n<\/td>\n<\/tr>\n

\n

Assets<\/b><\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\nInterest-earning assets:<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\nLoans and leases:<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\nCommercial and industrial loans(a)<\/sup><\/i><\/p>\n<\/td>\n

\n

\n$53,927<\/p>\n<\/td>\n

\n

\n6.16%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n$52,210<\/p>\n<\/td>\n

\n

\n7.00%<\/p>\n<\/td>\n<\/tr>\n

\n

\nCommercial mortgage loans(a)<\/sup><\/i><\/p>\n<\/td>\n

\n

\n12,232<\/p>\n<\/td>\n

\n

\n6.08%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n11,501<\/p>\n<\/td>\n

\n

\n6.14%<\/p>\n<\/td>\n<\/tr>\n

\n

\nCommercial construction loans(a)<\/sup><\/i><\/p>\n<\/td>\n

\n

\n5,639<\/p>\n<\/td>\n

\n

\n7.02%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n5,835<\/p>\n<\/td>\n

\n

\n7.02%<\/p>\n<\/td>\n<\/tr>\n

\n

\nCommercial leases(a)<\/sup><\/i><\/p>\n<\/td>\n

\n

\n3,145<\/p>\n<\/td>\n

\n

\n4.75%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n2,677<\/p>\n<\/td>\n

\n

\n4.44%<\/p>\n<\/td>\n<\/tr>\n

\n

\nTotal commercial loans and leases<\/p>\n<\/td>\n

\n

\n74,943<\/p>\n<\/td>\n

\n

\n6.15%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n72,223<\/p>\n<\/td>\n

\n

\n6.77%<\/p>\n<\/td>\n<\/tr>\n

\n

\nResidential mortgage loans<\/p>\n<\/td>\n

\n

\n18,194<\/p>\n<\/td>\n

\n

\n4.00%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n17,537<\/p>\n<\/td>\n

\n

\n3.68%<\/p>\n<\/td>\n<\/tr>\n

\n

\nHome equity<\/p>\n<\/td>\n

\n

\n4,491<\/p>\n<\/td>\n

\n

\n7.40%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n4,002<\/p>\n<\/td>\n

\n

\n8.25%<\/p>\n<\/td>\n<\/tr>\n

\n

\nIndirect secured consumer loans<\/p>\n<\/td>\n

\n

\n17,338<\/p>\n<\/td>\n

\n

\n5.62%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n15,583<\/p>\n<\/td>\n

\n

\n5.27%<\/p>\n<\/td>\n<\/tr>\n

\n

\nCredit card<\/p>\n<\/td>\n

\n

\n1,665<\/p>\n<\/td>\n

\n

\n14.34%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n1,719<\/p>\n<\/td>\n

\n

\n13.70%<\/p>\n<\/td>\n<\/tr>\n

\n

\nSolar energy installation loans<\/p>\n<\/td>\n

\n

\n4,333<\/p>\n<\/td>\n

\n

\n8.48%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n3,960<\/p>\n<\/td>\n

\n

\n8.04%<\/p>\n<\/td>\n<\/tr>\n

\n

\nOther consumer loans<\/p>\n<\/td>\n

\n

\n2,435<\/p>\n<\/td>\n

\n

\n9.26%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n2,700<\/p>\n<\/td>\n

\n

\n9.19%<\/p>\n<\/td>\n<\/tr>\n

\n

\nTotal consumer loans<\/p>\n<\/td>\n

\n

\n48,456<\/p>\n<\/td>\n

\n

\n5.91%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n45,501<\/p>\n<\/td>\n

\n

\n5.71%<\/p>\n<\/td>\n<\/tr>\n

\n

\nTotal loans and leases<\/p>\n<\/td>\n

\n

\n123,399<\/p>\n<\/td>\n

\n

\n6.06%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n117,724<\/p>\n<\/td>\n

\n

\n6.36%<\/p>\n<\/td>\n<\/tr>\n

\n

\nSecurities:<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\nTaxable securities<\/p>\n<\/td>\n

\n

\n53,613<\/p>\n<\/td>\n

\n

\n3.27%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n55,227<\/p>\n<\/td>\n

\n

\n3.26%<\/p>\n<\/td>\n<\/tr>\n

\n

\nTax exempt securities(a)<\/sup><\/i><\/p>\n<\/td>\n

\n

\n1,361<\/p>\n<\/td>\n

\n

\n3.17%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n1,392<\/p>\n<\/td>\n

\n

\n3.25%<\/p>\n<\/td>\n<\/tr>\n

\n

\nOther short-term investments<\/p>\n<\/td>\n

\n

\n14,915<\/p>\n<\/td>\n

\n

\n4.37%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n20,457<\/p>\n<\/td>\n

\n

\n5.43%<\/p>\n<\/td>\n<\/tr>\n

\n

\nTotal interest-earning assets<\/p>\n<\/td>\n

\n

\n193,288<\/p>\n<\/td>\n

\n

\n5.13%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n194,800<\/p>\n<\/td>\n

\n

\n5.36%<\/p>\n<\/td>\n<\/tr>\n

\n

\nCash and due from banks<\/p>\n<\/td>\n

\n

\n2,508<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n2,677<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\nOther assets<\/p>\n<\/td>\n

\n

\n18,040<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n17,637<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\nAllowance for loan and lease losses<\/p>\n<\/td>\n

\n

\n(2,353)<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n(2,308)<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

Total Assets<\/b><\/p>\n<\/td>\n

\n

\n$211,483<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n$212,806<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

Liabilities<\/b><\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\nInterest-bearing liabilities:<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\nInterest checking deposits<\/p>\n<\/td>\n

\n

\n$57,484<\/p>\n<\/td>\n

\n

\n2.63%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n$58,757<\/p>\n<\/td>\n

\n

\n3.28%<\/p>\n<\/td>\n<\/tr>\n

\n

\nSavings deposits<\/p>\n<\/td>\n

\n

\n16,663<\/p>\n<\/td>\n

\n

\n0.47%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n17,594<\/p>\n<\/td>\n

\n

\n0.68%<\/p>\n<\/td>\n<\/tr>\n

\n

\nMoney market deposits<\/p>\n<\/td>\n

\n

\n37,406<\/p>\n<\/td>\n

\n

\n2.41%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n36,165<\/p>\n<\/td>\n

\n

\n2.90%<\/p>\n<\/td>\n<\/tr>\n

\n

\nCDs $250,000 or less<\/p>\n<\/td>\n

\n

\n10,565<\/p>\n<\/td>\n

\n

\n3.50%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n10,537<\/p>\n<\/td>\n

\n

\n4.10%<\/p>\n<\/td>\n<\/tr>\n

\n

\nTotal interest-bearing core deposits<\/p>\n<\/td>\n

\n

\n122,118<\/p>\n<\/td>\n

\n

\n2.34%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n123,053<\/p>\n<\/td>\n

\n

\n2.87%<\/p>\n<\/td>\n<\/tr>\n

\n

\nCDs over $250,000<\/p>\n<\/td>\n

\n

\n2,184<\/p>\n<\/td>\n

\n

\n4.12%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n4,069<\/p>\n<\/td>\n

\n

\n5.11%<\/p>\n<\/td>\n<\/tr>\n

\n

\nTotal interest-bearing deposits<\/p>\n<\/td>\n

\n

\n124,302<\/p>\n<\/td>\n

\n

\n2.37%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n127,122<\/p>\n<\/td>\n

\n

\n2.94%<\/p>\n<\/td>\n<\/tr>\n

\n

\nFederal funds purchased<\/p>\n<\/td>\n

\n

\n200<\/p>\n<\/td>\n

\n

\n4.26%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n207<\/p>\n<\/td>\n

\n

\n5.21%<\/p>\n<\/td>\n<\/tr>\n

\n

\nSecurities sold under repurchase agreements<\/p>\n<\/td>\n

\n

\n345<\/p>\n<\/td>\n

\n

\n1.32%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n362<\/p>\n<\/td>\n

\n

\n1.86%<\/p>\n<\/td>\n<\/tr>\n

\n

\nFHLB advances<\/p>\n<\/td>\n

\n

\n4,299<\/p>\n<\/td>\n

\n

\n4.56%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n2,602<\/p>\n<\/td>\n

\n

\n5.56%<\/p>\n<\/td>\n<\/tr>\n

\n

\nDerivative collateral and other secured borrowings<\/p>\n<\/td>\n

\n

\n86<\/p>\n<\/td>\n

\n

\n6.27%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n60<\/p>\n<\/td>\n

\n

\n8.92%<\/p>\n<\/td>\n<\/tr>\n

\n

\nLong-term debt<\/p>\n<\/td>\n

\n

\n14,218<\/p>\n<\/td>\n

\n

\n5.31%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n15,835<\/p>\n<\/td>\n

\n

\n5.63%<\/p>\n<\/td>\n<\/tr>\n

\n

\nTotal interest-bearing liabilities<\/p>\n<\/td>\n

\n

\n143,450<\/p>\n<\/td>\n

\n

\n2.73%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n146,188<\/p>\n<\/td>\n

\n

\n3.28%<\/p>\n<\/td>\n<\/tr>\n

\n

\nDemand deposits<\/p>\n<\/td>\n

\n

\n40,926<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n40,314<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\nOther liabilities<\/p>\n<\/td>\n

\n

\n6,249<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n6,906<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

Total Liabilities<\/b><\/p>\n<\/td>\n

\n

\n190,625<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n193,408<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

Total Equity<\/b><\/p>\n<\/td>\n

\n

\n20,858<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n19,398<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

Total Liabilities and Equity<\/b><\/p>\n<\/td>\n

\n

\n$211,483<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n$212,806<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

Ratios:<\/b><\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\nNet interest margin (FTE)(b)<\/sup><\/i><\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n3.11%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n2.90%<\/p>\n<\/td>\n<\/tr>\n

\n

\nNet interest rate spread (FTE)(b)<\/sup><\/i><\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n2.40%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n2.08%<\/p>\n<\/td>\n<\/tr>\n

\n

\nInterest-bearing liabilities to interest-earning assets<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n74.22%<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n75.05%<\/p>\n<\/td>\n<\/tr>\n

\n

(a) Average Yield\/Rate of these assets are presented on an FTE basis.<\/i><\/p>\n<\/td>\n<\/tr>\n

\n

(b) Non-GAAP measure; see discussion and reconciliation of non-GAAP measures beginning on page 27.<\/i><\/p>\n<\/td>\n<\/tr>\n<\/table>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
\n

Fifth Third Bancorp and Subsidiaries<\/b><\/p>\n<\/td>\n<\/tr>\n

\n

\nSummary of Loans and Leases<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n$ in millions<\/p>\n<\/td>\n

\n

\nFor the Three Months Ended<\/p>\n<\/td>\n<\/tr>\n

\n

\n(unaudited)<\/p>\n<\/td>\n

\n

\nDecember<\/p>\n<\/td>\n

\n

\nSeptember<\/p>\n<\/td>\n

\n

\nJune<\/p>\n<\/td>\n

\n

\nMarch<\/p>\n<\/td>\n

\n

\nDecember<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n2025<\/p>\n<\/td>\n

\n

\n2025<\/p>\n<\/td>\n

\n

\n2025<\/p>\n<\/td>\n

\n

\n2025<\/p>\n<\/td>\n

\n

\n2024<\/p>\n<\/td>\n<\/tr>\n

\n

Average Portfolio Loans and Leases<\/b><\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\nCommercial loans and leases:<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\nCommercial and industrial loans<\/p>\n<\/td>\n

\n

\n$53,947<\/p>\n<\/td>\n

\n

\n$54,170<\/p>\n<\/td>\n

\n

\n$54,075<\/p>\n<\/td>\n

\n

\n$53,401<\/p>\n<\/td>\n

\n

\n$51,567<\/p>\n<\/td>\n<\/tr>\n

\n

\nCommercial mortgage loans<\/p>\n<\/td>\n

\n

\n12,079<\/p>\n<\/td>\n

\n

\n12,027<\/p>\n<\/td>\n

\n

\n12,410<\/p>\n<\/td>\n

\n

\n12,368<\/p>\n<\/td>\n

\n

\n11,792<\/p>\n<\/td>\n<\/tr>\n

\n

\nCommercial construction loans<\/p>\n<\/td>\n

\n

\n5,399<\/p>\n<\/td>\n

\n

\n5,541<\/p>\n<\/td>\n

\n

\n5,810<\/p>\n<\/td>\n

\n

\n5,797<\/p>\n<\/td>\n

\n

\n5,702<\/p>\n<\/td>\n<\/tr>\n

\n

\nCommercial leases<\/p>\n<\/td>\n

\n

\n3,172<\/p>\n<\/td>\n

\n

\n3,177<\/p>\n<\/td>\n

\n

\n3,120<\/p>\n<\/td>\n

\n

\n3,110<\/p>\n<\/td>\n

\n

\n2,902<\/p>\n<\/td>\n<\/tr>\n

\n

\nTotal commercial loans and leases<\/p>\n<\/td>\n

\n

\n74,597<\/p>\n<\/td>\n

\n

\n74,915<\/p>\n<\/td>\n

\n

\n75,415<\/p>\n<\/td>\n

\n

\n74,676<\/p>\n<\/td>\n

\n

\n71,963<\/p>\n<\/td>\n<\/tr>\n

\n

\nConsumer loans:<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\nResidential mortgage loans<\/p>\n<\/td>\n

\n

\n17,660<\/p>\n<\/td>\n

\n

\n17,656<\/p>\n<\/td>\n

\n

\n17,615<\/p>\n<\/td>\n

\n

\n17,552<\/p>\n<\/td>\n

\n

\n17,322<\/p>\n<\/td>\n<\/tr>\n

\n

\nHome equity<\/p>\n<\/td>\n

\n

\n4,769<\/p>\n<\/td>\n

\n

\n4,579<\/p>\n<\/td>\n

\n

\n4,383<\/p>\n<\/td>\n

\n

\n4,222<\/p>\n<\/td>\n

\n

\n4,125<\/p>\n<\/td>\n<\/tr>\n

\n

\nIndirect secured consumer loans<\/p>\n<\/td>\n

\n

\n17,879<\/p>\n<\/td>\n

\n

\n17,729<\/p>\n<\/td>\n

\n

\n17,248<\/p>\n<\/td>\n

\n

\n16,476<\/p>\n<\/td>\n

\n

\n16,100<\/p>\n<\/td>\n<\/tr>\n

\n

\nCredit card<\/p>\n<\/td>\n

\n

\n1,694<\/p>\n<\/td>\n

\n

\n1,678<\/p>\n<\/td>\n

\n

\n1,659<\/p>\n<\/td>\n

\n

\n1,627<\/p>\n<\/td>\n

\n

\n1,668<\/p>\n<\/td>\n<\/tr>\n

\n

\nSolar energy installation loans<\/p>\n<\/td>\n

\n

\n4,486<\/p>\n<\/td>\n

\n

\n4,355<\/p>\n<\/td>\n

\n

\n4,268<\/p>\n<\/td>\n

\n

\n4,221<\/p>\n<\/td>\n

\n

\n4,137<\/p>\n<\/td>\n<\/tr>\n

\n

\nOther consumer loans<\/p>\n<\/td>\n

\n

\n2,345<\/p>\n<\/td>\n

\n

\n2,414<\/p>\n<\/td>\n

\n

\n2,483<\/p>\n<\/td>\n

\n

\n2,498<\/p>\n<\/td>\n

\n

\n2,545<\/p>\n<\/td>\n<\/tr>\n

\n

\nTotal consumer loans<\/p>\n<\/td>\n

\n

\n48,833<\/p>\n<\/td>\n

\n

\n48,411<\/p>\n<\/td>\n

\n

\n47,656<\/p>\n<\/td>\n

\n

\n46,596<\/p>\n<\/td>\n

\n

\n45,897<\/p>\n<\/td>\n<\/tr>\n

\n

\nTotal average portfolio loans and leases<\/p>\n<\/td>\n

\n

\n$123,430<\/p>\n<\/td>\n

\n

\n$123,326<\/p>\n<\/td>\n

\n

\n$123,071<\/p>\n<\/td>\n

\n

\n$121,272<\/p>\n<\/td>\n

\n

\n$117,860<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

Average Loans and Leases Held for Sale<\/b><\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\nCommercial loans and leases held for sale<\/p>\n<\/td>\n

\n

\n$19<\/p>\n<\/td>\n

\n

\n$44<\/p>\n<\/td>\n

\n

\n$45<\/p>\n<\/td>\n

\n

\n$64<\/p>\n<\/td>\n

\n

\n$48<\/p>\n<\/td>\n<\/tr>\n

\n

\nConsumer loans held for sale<\/p>\n<\/td>\n

\n

\n698<\/p>\n<\/td>\n

\n

\n623<\/p>\n<\/td>\n

\n

\n541<\/p>\n<\/td>\n

\n

\n428<\/p>\n<\/td>\n

\n

\n584<\/p>\n<\/td>\n<\/tr>\n

\n

\nAverage loans and leases held for sale<\/p>\n<\/td>\n

\n

\n$717<\/p>\n<\/td>\n

\n

\n$667<\/p>\n<\/td>\n

\n

\n$586<\/p>\n<\/td>\n

\n

\n$492<\/p>\n<\/td>\n

\n

\n$632<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

End of Period Portfolio Loans and Leases<\/b><\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\nCommercial loans and leases:<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\nCommercial and industrial loans<\/p>\n<\/td>\n

\n

\n$52,749<\/p>\n<\/td>\n

\n

\n$53,947<\/p>\n<\/td>\n

\n

\n$53,312<\/p>\n<\/td>\n

\n

\n$53,700<\/p>\n<\/td>\n

\n

\n$52,271<\/p>\n<\/td>\n<\/tr>\n

\n

\nCommercial mortgage loans<\/p>\n<\/td>\n

\n

\n12,228<\/p>\n<\/td>\n

\n

\n11,932<\/p>\n<\/td>\n

\n

\n12,112<\/p>\n<\/td>\n

\n

\n12,357<\/p>\n<\/td>\n

\n

\n12,246<\/p>\n<\/td>\n<\/tr>\n

\n

\nCommercial construction loans<\/p>\n<\/td>\n

\n

\n5,316<\/p>\n<\/td>\n

\n

\n5,326<\/p>\n<\/td>\n

\n

\n5,551<\/p>\n<\/td>\n

\n

\n5,952<\/p>\n<\/td>\n

\n

\n5,588<\/p>\n<\/td>\n<\/tr>\n

\n

\nCommercial leases<\/p>\n<\/td>\n

\n

\n3,269<\/p>\n<\/td>\n

\n

\n3,218<\/p>\n<\/td>\n

\n

\n3,177<\/p>\n<\/td>\n

\n

\n3,128<\/p>\n<\/td>\n

\n

\n3,188<\/p>\n<\/td>\n<\/tr>\n

\n

\nTotal commercial loans and leases<\/p>\n<\/td>\n

\n

\n73,562<\/p>\n<\/td>\n

\n

\n74,423<\/p>\n<\/td>\n

\n

\n74,152<\/p>\n<\/td>\n

\n

\n75,137<\/p>\n<\/td>\n

\n

\n73,293<\/p>\n<\/td>\n<\/tr>\n

\n

\nConsumer loans:<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\nResidential mortgage loans<\/p>\n<\/td>\n

\n

\n17,652<\/p>\n<\/td>\n

\n

\n17,644<\/p>\n<\/td>\n

\n

\n17,681<\/p>\n<\/td>\n

\n

\n17,581<\/p>\n<\/td>\n

\n

\n17,543<\/p>\n<\/td>\n<\/tr>\n

\n

\nHome equity<\/p>\n<\/td>\n

\n

\n4,846<\/p>\n<\/td>\n

\n

\n4,678<\/p>\n<\/td>\n

\n

\n4,485<\/p>\n<\/td>\n

\n

\n4,265<\/p>\n<\/td>\n

\n

\n4,188<\/p>\n<\/td>\n<\/tr>\n

\n

\nIndirect secured consumer loans<\/p>\n<\/td>\n

\n

\n17,964<\/p>\n<\/td>\n

\n

\n17,885<\/p>\n<\/td>\n

\n

\n17,591<\/p>\n<\/td>\n

\n

\n16,804<\/p>\n<\/td>\n

\n

\n16,313<\/p>\n<\/td>\n<\/tr>\n

\n

\nCredit card<\/p>\n<\/td>\n

\n

\n1,747<\/p>\n<\/td>\n

\n

\n1,692<\/p>\n<\/td>\n

\n

\n1,707<\/p>\n<\/td>\n

\n

\n1,660<\/p>\n<\/td>\n

\n

\n1,734<\/p>\n<\/td>\n<\/tr>\n

\n

\nSolar energy installation loans<\/p>\n<\/td>\n

\n

\n4,560<\/p>\n<\/td>\n

\n

\n4,432<\/p>\n<\/td>\n

\n

\n4,316<\/p>\n<\/td>\n

\n

\n4,262<\/p>\n<\/td>\n

\n

\n4,202<\/p>\n<\/td>\n<\/tr>\n

\n

\nOther consumer loans<\/p>\n<\/td>\n

\n

\n2,320<\/p>\n<\/td>\n

\n

\n2,376<\/p>\n<\/td>\n

\n

\n2,464<\/p>\n<\/td>\n

\n

\n2,482<\/p>\n<\/td>\n

\n

\n2,518<\/p>\n<\/td>\n<\/tr>\n

\n

\nTotal consumer loans<\/p>\n<\/td>\n

\n

\n49,089<\/p>\n<\/td>\n

\n

\n48,707<\/p>\n<\/td>\n

\n

\n48,244<\/p>\n<\/td>\n

\n

\n47,054<\/p>\n<\/td>\n

\n

\n46,498<\/p>\n<\/td>\n<\/tr>\n

\n

\nTotal portfolio loans and leases<\/p>\n<\/td>\n

\n

\n$122,651<\/p>\n<\/td>\n

\n

\n$123,130<\/p>\n<\/td>\n

\n

\n$122,396<\/p>\n<\/td>\n

\n

\n$122,191<\/p>\n<\/td>\n

\n

\n$119,791<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

End of Period Loans and Leases Held for Sale<\/b><\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\nCommercial loans and leases held for sale<\/p>\n<\/td>\n

\n

\n$75<\/p>\n<\/td>\n

\n

\n$8<\/p>\n<\/td>\n

\n

\n$74<\/p>\n<\/td>\n

\n

\n$28<\/p>\n<\/td>\n

\n

\n$66<\/p>\n<\/td>\n<\/tr>\n

\n

\nConsumer loans held for sale<\/p>\n<\/td>\n

\n

\n658<\/p>\n<\/td>\n

\n

\n568<\/p>\n<\/td>\n

\n

\n572<\/p>\n<\/td>\n

\n

\n445<\/p>\n<\/td>\n

\n

\n574<\/p>\n<\/td>\n<\/tr>\n

\n

\nLoans and leases held for sale<\/p>\n<\/td>\n

\n

\n$733<\/p>\n<\/td>\n

\n

\n$576<\/p>\n<\/td>\n

\n

\n$646<\/p>\n<\/td>\n

\n

\n$473<\/p>\n<\/td>\n

\n

\n$640<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\nOperating lease equipment<\/p>\n<\/td>\n

\n

\n$374<\/p>\n<\/td>\n

\n

\n$379<\/p>\n<\/td>\n

\n

\n$344<\/p>\n<\/td>\n

\n

\n$314<\/p>\n<\/td>\n

\n

\n$319<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

Loans and Leases Serviced for Others(a)<\/sup><\/i><\/b><\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\nCommercial and industrial loans<\/p>\n<\/td>\n

\n

\n$1,290<\/p>\n<\/td>\n

\n

\n$1,206<\/p>\n<\/td>\n

\n

\n$1,166<\/p>\n<\/td>\n

\n

\n$1,104<\/p>\n<\/td>\n

\n

\n$1,071<\/p>\n<\/td>\n<\/tr>\n

\n

\nCommercial mortgage loans<\/p>\n<\/td>\n

\n

\n501<\/p>\n<\/td>\n

\n

\n558<\/p>\n<\/td>\n

\n

\n601<\/p>\n<\/td>\n

\n

\n603<\/p>\n<\/td>\n

\n

\n579<\/p>\n<\/td>\n<\/tr>\n

\n

\nCommercial construction loans<\/p>\n<\/td>\n

\n

\n291<\/p>\n<\/td>\n

\n

\n304<\/p>\n<\/td>\n

\n

\n333<\/p>\n<\/td>\n

\n

\n367<\/p>\n<\/td>\n

\n

\n348<\/p>\n<\/td>\n<\/tr>\n

\n

\nCommercial leases<\/p>\n<\/td>\n

\n

\n853<\/p>\n<\/td>\n

\n

\n764<\/p>\n<\/td>\n

\n

\n757<\/p>\n<\/td>\n

\n

\n755<\/p>\n<\/td>\n

\n

\n725<\/p>\n<\/td>\n<\/tr>\n

\n

\nResidential mortgage loans<\/p>\n<\/td>\n

\n

\n87,827<\/p>\n<\/td>\n

\n

\n89,639<\/p>\n<\/td>\n

\n

\n91,201<\/p>\n<\/td>\n

\n

\n92,769<\/p>\n<\/td>\n

\n

\n94,225<\/p>\n<\/td>\n<\/tr>\n

\n

\nSolar energy installation loans<\/p>\n<\/td>\n

\n

\n686<\/p>\n<\/td>\n

\n

\n692<\/p>\n<\/td>\n

\n

\n557<\/p>\n<\/td>\n

\n

\n575<\/p>\n<\/td>\n

\n

\n593<\/p>\n<\/td>\n<\/tr>\n

\n

\nOther consumer loans<\/p>\n<\/td>\n

\n

\n92<\/p>\n<\/td>\n

\n

\n98<\/p>\n<\/td>\n

\n

\n105<\/p>\n<\/td>\n

\n

\n112<\/p>\n<\/td>\n

\n

\n119<\/p>\n<\/td>\n<\/tr>\n

\n

\nTotal loans and leases serviced for others<\/p>\n<\/td>\n

\n

\n91,540<\/p>\n<\/td>\n

\n

\n93,261<\/p>\n<\/td>\n

\n

\n94,720<\/p>\n<\/td>\n

\n

\n96,285<\/p>\n<\/td>\n

\n

\n97,660<\/p>\n<\/td>\n<\/tr>\n

\n

\nTotal loans and leases owned or serviced<\/p>\n<\/td>\n

\n

\n$215,298<\/p>\n<\/td>\n

\n

\n$217,346<\/p>\n<\/td>\n

\n

\n$218,106<\/p>\n<\/td>\n

\n

\n$219,263<\/p>\n<\/td>\n

\n

\n$218,410<\/p>\n<\/td>\n<\/tr>\n<\/table>\n\n\n
\n

(a)<\/i><\/p>\n<\/td>\n

\n

Fifth Third sells certain loans and leases and obtains servicing responsibilities.<\/i><\/p>\n<\/td>\n<\/tr>\n<\/table>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
\n

Fifth Third Bancorp and Subsidiaries<\/b><\/p>\n<\/td>\n<\/tr>\n

\n

\nRegulatory Capital<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n$ in millions<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nAs of<\/p>\n<\/td>\n<\/tr>\n

\n

\n(unaudited)<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nDecember<\/p>\n<\/td>\n

\n

\nSeptember<\/p>\n<\/td>\n

\n

\nJune<\/p>\n<\/td>\n

\n

\nMarch<\/p>\n<\/td>\n

\n

\nDecember<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n2025(a)<\/sup><\/i><\/p>\n<\/td>\n

\n

\n2025<\/p>\n<\/td>\n

\n

\n2025<\/p>\n<\/td>\n

\n

\n2025<\/p>\n<\/td>\n

\n

\n2024<\/p>\n<\/td>\n<\/tr>\n

\n

Regulatory Capital(b)<\/sup><\/i><\/b><\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\nCET1 capital<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n$18,101<\/p>\n<\/td>\n

\n

\n$17,645<\/p>\n<\/td>\n

\n

\n$17,616<\/p>\n<\/td>\n

\n

\n$17,239<\/p>\n<\/td>\n

\n

\n$17,339<\/p>\n<\/td>\n<\/tr>\n

\n

\nAdditional tier 1 capital<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n1,770<\/p>\n<\/td>\n

\n

\n1,770<\/p>\n<\/td>\n

\n

\n2,116<\/p>\n<\/td>\n

\n

\n2,116<\/p>\n<\/td>\n

\n

\n2,116<\/p>\n<\/td>\n<\/tr>\n

\n

\nTier 1 capital<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n19,871<\/p>\n<\/td>\n

\n

\n19,415<\/p>\n<\/td>\n

\n

\n19,732<\/p>\n<\/td>\n

\n

\n19,355<\/p>\n<\/td>\n

\n

\n19,455<\/p>\n<\/td>\n<\/tr>\n

\n

\nTier 2 capital<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n3,204<\/p>\n<\/td>\n

\n

\n3,204<\/p>\n<\/td>\n

\n

\n3,197<\/p>\n<\/td>\n

\n

\n3,175<\/p>\n<\/td>\n

\n

\n3,291<\/p>\n<\/td>\n<\/tr>\n

\n

\nTotal regulatory capital<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n$23,075<\/p>\n<\/td>\n

\n

\n$22,619<\/p>\n<\/td>\n

\n

\n$22,929<\/p>\n<\/td>\n

\n

\n$22,530<\/p>\n<\/td>\n

\n

\n$22,746<\/p>\n<\/td>\n<\/tr>\n

\n

\nRisk-weighted assets<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n$168,121<\/p>\n<\/td>\n

\n

\n$166,999<\/p>\n<\/td>\n

\n

\n$166,517<\/p>\n<\/td>\n

\n

\n$165,326<\/p>\n<\/td>\n

\n

\n$164,102<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

Ratios<\/b><\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\nAverage total Bancorp shareholders’ equity as a percent of average assets<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n10.11%<\/p>\n<\/td>\n

\n

\n10.02%<\/p>\n<\/td>\n

\n

\n9.82%<\/p>\n<\/td>\n

\n

\n9.50%<\/p>\n<\/td>\n

\n

\n9.40%<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

Regulatory Capital Ratios(b)<\/sup><\/i><\/b><\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\nFifth Third Bancorp<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\nCET1 capital<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n10.77%<\/p>\n<\/td>\n

\n

\n10.57%<\/p>\n<\/td>\n

\n

\n10.58%<\/p>\n<\/td>\n

\n

\n10.43%<\/p>\n<\/td>\n

\n

\n10.57%<\/p>\n<\/td>\n<\/tr>\n

\n

\nTier 1 risk-based capital<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n11.82%<\/p>\n<\/td>\n

\n

\n11.63%<\/p>\n<\/td>\n

\n

\n11.85%<\/p>\n<\/td>\n

\n

\n11.71%<\/p>\n<\/td>\n

\n

\n11.86%<\/p>\n<\/td>\n<\/tr>\n

\n

\nTotal risk-based capital<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n13.73%<\/p>\n<\/td>\n

\n

\n13.54%<\/p>\n<\/td>\n

\n

\n13.77%<\/p>\n<\/td>\n

\n

\n13.63%<\/p>\n<\/td>\n

\n

\n13.86%<\/p>\n<\/td>\n<\/tr>\n

\n

\nLeverage<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n9.42%<\/p>\n<\/td>\n

\n

\n9.24%<\/p>\n<\/td>\n

\n

\n9.42%<\/p>\n<\/td>\n

\n

\n9.23%<\/p>\n<\/td>\n

\n

\n9.22%<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\nFifth Third Bank, National Association<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\nTier 1 risk-based capital<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n13.04%<\/p>\n<\/td>\n

\n

\n12.95%<\/p>\n<\/td>\n

\n

\n12.87%<\/p>\n<\/td>\n

\n

\n12.78%<\/p>\n<\/td>\n

\n

\n12.86%<\/p>\n<\/td>\n<\/tr>\n

\n

\nTotal risk-based capital<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n14.28%<\/p>\n<\/td>\n

\n

\n14.19%<\/p>\n<\/td>\n

\n

\n14.12%<\/p>\n<\/td>\n

\n

\n14.02%<\/p>\n<\/td>\n

\n

\n14.19%<\/p>\n<\/td>\n<\/tr>\n

\n

\nLeverage<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n10.41%<\/p>\n<\/td>\n

\n

\n10.31%<\/p>\n<\/td>\n

\n

\n10.25%<\/p>\n<\/td>\n

\n

\n10.10%<\/p>\n<\/td>\n

\n

\n10.02%<\/p>\n<\/td>\n<\/tr>\n<\/table>\n\n\n\n
\n

(a)<\/i><\/p>\n<\/td>\n

\n

Current period regulatory capital data and ratios are estimated.<\/i><\/p>\n<\/td>\n<\/tr>\n

\n

(b)<\/i><\/p>\n<\/td>\n

\n

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.<\/i><\/p>\n<\/td>\n<\/tr>\n<\/table>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
\n

Fifth Third Bancorp and Subsidiaries<\/b><\/p>\n<\/td>\n<\/tr>\n

\n

\nSummary of Credit Loss Experience<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n$ in millions<\/p>\n<\/td>\n

\n

\nFor the Three Months Ended<\/p>\n<\/td>\n<\/tr>\n

\n

\n(unaudited)<\/p>\n<\/td>\n

\n

\nDecember<\/p>\n<\/td>\n

\n

\nSeptember<\/p>\n<\/td>\n

\n

\nJune<\/p>\n<\/td>\n

\n

\nMarch<\/p>\n<\/td>\n

\n

\nDecember<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n2025<\/p>\n<\/td>\n

\n

\n2025<\/p>\n<\/td>\n

\n

\n2025<\/p>\n<\/td>\n

\n

\n2025<\/p>\n<\/td>\n

\n

\n2024<\/p>\n<\/td>\n<\/tr>\n

\n

\nAverage portfolio loans and leases:<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\nCommercial and industrial loans<\/p>\n<\/td>\n

\n

\n$53,947<\/p>\n<\/td>\n

\n

\n$54,170<\/p>\n<\/td>\n

\n

\n$54,075<\/p>\n<\/td>\n

\n

\n$53,401<\/p>\n<\/td>\n

\n

\n$51,567<\/p>\n<\/td>\n<\/tr>\n

\n

\nCommercial mortgage loans<\/p>\n<\/td>\n

\n

\n12,079<\/p>\n<\/td>\n

\n

\n12,027<\/p>\n<\/td>\n

\n

\n12,410<\/p>\n<\/td>\n

\n

\n12,368<\/p>\n<\/td>\n

\n

\n11,792<\/p>\n<\/td>\n<\/tr>\n

\n

\nCommercial construction loans<\/p>\n<\/td>\n

\n

\n5,399<\/p>\n<\/td>\n

\n

\n5,541<\/p>\n<\/td>\n

\n

\n5,810<\/p>\n<\/td>\n

\n

\n5,797<\/p>\n<\/td>\n

\n

\n5,702<\/p>\n<\/td>\n<\/tr>\n

\n

\nCommercial leases<\/p>\n<\/td>\n

\n

\n3,172<\/p>\n<\/td>\n

\n

\n3,177<\/p>\n<\/td>\n

\n

\n3,120<\/p>\n<\/td>\n

\n

\n3,110<\/p>\n<\/td>\n

\n

\n2,902<\/p>\n<\/td>\n<\/tr>\n

\n

\nTotal commercial loans and leases<\/p>\n<\/td>\n

\n

\n74,597<\/p>\n<\/td>\n

\n

\n74,915<\/p>\n<\/td>\n

\n

\n75,415<\/p>\n<\/td>\n

\n

\n74,676<\/p>\n<\/td>\n

\n

\n71,963<\/p>\n<\/td>\n<\/tr>\n

\n

\nResidential mortgage loans<\/p>\n<\/td>\n

\n

\n17,660<\/p>\n<\/td>\n

\n

\n17,656<\/p>\n<\/td>\n

\n

\n17,615<\/p>\n<\/td>\n

\n

\n17,552<\/p>\n<\/td>\n

\n

\n17,322<\/p>\n<\/td>\n<\/tr>\n

\n

\nHome equity<\/p>\n<\/td>\n

\n

\n4,769<\/p>\n<\/td>\n

\n

\n4,579<\/p>\n<\/td>\n

\n

\n4,383<\/p>\n<\/td>\n

\n

\n4,222<\/p>\n<\/td>\n

\n

\n4,125<\/p>\n<\/td>\n<\/tr>\n

\n

\nIndirect secured consumer loans<\/p>\n<\/td>\n

\n

\n17,879<\/p>\n<\/td>\n

\n

\n17,729<\/p>\n<\/td>\n

\n

\n17,248<\/p>\n<\/td>\n

\n

\n16,476<\/p>\n<\/td>\n

\n

\n16,100<\/p>\n<\/td>\n<\/tr>\n

\n

\nCredit card<\/p>\n<\/td>\n

\n

\n1,694<\/p>\n<\/td>\n

\n

\n1,678<\/p>\n<\/td>\n

\n

\n1,659<\/p>\n<\/td>\n

\n

\n1,627<\/p>\n<\/td>\n

\n

\n1,668<\/p>\n<\/td>\n<\/tr>\n

\n

\nSolar energy installation loans<\/p>\n<\/td>\n

\n

\n4,486<\/p>\n<\/td>\n

\n

\n4,355<\/p>\n<\/td>\n

\n

\n4,268<\/p>\n<\/td>\n

\n

\n4,221<\/p>\n<\/td>\n

\n

\n4,137<\/p>\n<\/td>\n<\/tr>\n

\n

\nOther consumer loans<\/p>\n<\/td>\n

\n

\n2,345<\/p>\n<\/td>\n

\n

\n2,414<\/p>\n<\/td>\n

\n

\n2,483<\/p>\n<\/td>\n

\n

\n2,498<\/p>\n<\/td>\n

\n

\n2,545<\/p>\n<\/td>\n<\/tr>\n

\n

\nTotal consumer loans<\/p>\n<\/td>\n

\n

\n48,833<\/p>\n<\/td>\n

\n

\n48,411<\/p>\n<\/td>\n

\n

\n47,656<\/p>\n<\/td>\n

\n

\n46,596<\/p>\n<\/td>\n

\n

\n45,897<\/p>\n<\/td>\n<\/tr>\n

\n

\nTotal average portfolio loans and leases<\/p>\n<\/td>\n

\n

\n$123,430<\/p>\n<\/td>\n

\n

\n$123,326<\/p>\n<\/td>\n

\n

\n$123,071<\/p>\n<\/td>\n

\n

\n$121,272<\/p>\n<\/td>\n

\n

\n$117,860<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\nLosses charged-off:<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\nCommercial and industrial loans<\/p>\n<\/td>\n

\n

\n($61)<\/p>\n<\/td>\n

\n

\n($280)<\/p>\n<\/td>\n

\n

\n($84)<\/p>\n<\/td>\n

\n

\n($54)<\/p>\n<\/td>\n

\n

\n($61)<\/p>\n<\/td>\n<\/tr>\n

\n

\nCommercial mortgage loans<\/p>\n<\/td>\n

\n

\n(7)<\/p>\n<\/td>\n

\n

\n(2)<\/p>\n<\/td>\n

\n

\n(4)<\/p>\n<\/td>\n

\n

\n(11)<\/p>\n<\/td>\n

\n

\n\u2014<\/p>\n<\/td>\n<\/tr>\n

\n

\nCommercial construction loans<\/p>\n<\/td>\n

\n

\n\u2014<\/p>\n<\/td>\n

\n

\n\u2014<\/p>\n<\/td>\n

\n

\n\u2014<\/p>\n<\/td>\n

\n

\n\u2014<\/p>\n<\/td>\n

\n

\n\u2014<\/p>\n<\/td>\n<\/tr>\n

\n

\nCommercial leases<\/p>\n<\/td>\n

\n

\n(1)<\/p>\n<\/td>\n

\n

\n\u2014<\/p>\n<\/td>\n

\n

\n(2)<\/p>\n<\/td>\n

\n

\n(2)<\/p>\n<\/td>\n

\n

\n(2)<\/p>\n<\/td>\n<\/tr>\n

\n

\nTotal commercial loans and leases<\/p>\n<\/td>\n

\n

\n(69)<\/p>\n<\/td>\n

\n

\n(282)<\/p>\n<\/td>\n

\n

\n(90)<\/p>\n<\/td>\n

\n

\n(67)<\/p>\n<\/td>\n

\n

\n(63)<\/p>\n<\/td>\n<\/tr>\n

\n

\nResidential mortgage loans<\/p>\n<\/td>\n

\n

\n\u2014<\/p>\n<\/td>\n

\n

\n\u2014<\/p>\n<\/td>\n

\n

\n\u2014<\/p>\n<\/td>\n

\n

\n\u2014<\/p>\n<\/td>\n

\n

\n(1)<\/p>\n<\/td>\n<\/tr>\n

\n

\nHome equity<\/p>\n<\/td>\n

\n

\n(2)<\/p>\n<\/td>\n

\n

\n(1)<\/p>\n<\/td>\n

\n

\n(2)<\/p>\n<\/td>\n

\n

\n(2)<\/p>\n<\/td>\n

\n

\n(2)<\/p>\n<\/td>\n<\/tr>\n

\n

\nIndirect secured consumer loans<\/p>\n<\/td>\n

\n

\n(41)<\/p>\n<\/td>\n

\n

\n(34)<\/p>\n<\/td>\n

\n

\n(33)<\/p>\n<\/td>\n

\n

\n(36)<\/p>\n<\/td>\n

\n

\n(39)<\/p>\n<\/td>\n<\/tr>\n

\n

\nCredit card<\/p>\n<\/td>\n

\n

\n(20)<\/p>\n<\/td>\n

\n

\n(20)<\/p>\n<\/td>\n

\n

\n(20)<\/p>\n<\/td>\n

\n

\n(22)<\/p>\n<\/td>\n

\n

\n(21)<\/p>\n<\/td>\n<\/tr>\n

\n

\nSolar energy installation loans<\/p>\n<\/td>\n

\n

\n(22)<\/p>\n<\/td>\n

\n

\n(20)<\/p>\n<\/td>\n

\n

\n(23)<\/p>\n<\/td>\n

\n

\n(21)<\/p>\n<\/td>\n

\n

\n(20)<\/p>\n<\/td>\n<\/tr>\n

\n

\nOther consumer loans<\/p>\n<\/td>\n

\n

\n(23)<\/p>\n<\/td>\n

\n

\n(25)<\/p>\n<\/td>\n

\n

\n(26)<\/p>\n<\/td>\n

\n

\n(25)<\/p>\n<\/td>\n

\n

\n(29)<\/p>\n<\/td>\n<\/tr>\n

\n

\nTotal consumer loans<\/p>\n<\/td>\n

\n

\n(108)<\/p>\n<\/td>\n

\n

\n(100)<\/p>\n<\/td>\n

\n

\n(104)<\/p>\n<\/td>\n

\n

\n(106)<\/p>\n<\/td>\n

\n

\n(112)<\/p>\n<\/td>\n<\/tr>\n

\n

\nTotal losses charged-off<\/p>\n<\/td>\n

\n

\n($177)<\/p>\n<\/td>\n

\n

\n($382)<\/p>\n<\/td>\n

\n

\n($194)<\/p>\n<\/td>\n

\n

\n($173)<\/p>\n<\/td>\n

\n

\n($175)<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\nRecoveries of losses previously charged-off:<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\nCommercial and industrial loans<\/p>\n<\/td>\n

\n

\n$17<\/p>\n<\/td>\n

\n

\n$6<\/p>\n<\/td>\n

\n

\n$15<\/p>\n<\/td>\n

\n

\n$2<\/p>\n<\/td>\n

\n

\n$6<\/p>\n<\/td>\n<\/tr>\n

\n

\nCommercial mortgage loans<\/p>\n<\/td>\n

\n

\n1<\/p>\n<\/td>\n

\n

\n1<\/p>\n<\/td>\n

\n

\n1<\/p>\n<\/td>\n

\n

\n1<\/p>\n<\/td>\n

\n

\n\u2014<\/p>\n<\/td>\n<\/tr>\n

\n

\nCommercial construction loans<\/p>\n<\/td>\n

\n

\n\u2014<\/p>\n<\/td>\n

\n

\n\u2014<\/p>\n<\/td>\n

\n

\n\u2014<\/p>\n<\/td>\n

\n

\n\u2014<\/p>\n<\/td>\n

\n

\n\u2014<\/p>\n<\/td>\n<\/tr>\n

\n

\nCommercial leases<\/p>\n<\/td>\n

\n

\n\u2014<\/p>\n<\/td>\n

\n

\n\u2014<\/p>\n<\/td>\n

\n

\n3<\/p>\n<\/td>\n

\n

\n\u2014<\/p>\n<\/td>\n

\n

\n\u2014<\/p>\n<\/td>\n<\/tr>\n

\n

\nTotal commercial loans and leases<\/p>\n<\/td>\n

\n

\n18<\/p>\n<\/td>\n

\n

\n7<\/p>\n<\/td>\n

\n

\n19<\/p>\n<\/td>\n

\n

\n3<\/p>\n<\/td>\n

\n

\n6<\/p>\n<\/td>\n<\/tr>\n

\n

\nResidential mortgage loans<\/p>\n<\/td>\n

\n

\n1<\/p>\n<\/td>\n

\n

\n1<\/p>\n<\/td>\n

\n

\n1<\/p>\n<\/td>\n

\n

\n\u2014<\/p>\n<\/td>\n

\n

\n1<\/p>\n<\/td>\n<\/tr>\n

\n

\nHome equity<\/p>\n<\/td>\n

\n

\n1<\/p>\n<\/td>\n

\n

\n2<\/p>\n<\/td>\n

\n

\n2<\/p>\n<\/td>\n

\n

\n2<\/p>\n<\/td>\n

\n

\n2<\/p>\n<\/td>\n<\/tr>\n

\n

\nIndirect secured consumer loans<\/p>\n<\/td>\n

\n

\n14<\/p>\n<\/td>\n

\n

\n16<\/p>\n<\/td>\n

\n

\n17<\/p>\n<\/td>\n

\n

\n15<\/p>\n<\/td>\n

\n

\n12<\/p>\n<\/td>\n<\/tr>\n

\n

\nCredit card<\/p>\n<\/td>\n

\n

\n5<\/p>\n<\/td>\n

\n

\n4<\/p>\n<\/td>\n

\n

\n5<\/p>\n<\/td>\n

\n

\n5<\/p>\n<\/td>\n

\n

\n4<\/p>\n<\/td>\n<\/tr>\n

\n

\nSolar energy installation loans<\/p>\n<\/td>\n

\n

\n5<\/p>\n<\/td>\n

\n

\n4<\/p>\n<\/td>\n

\n

\n3<\/p>\n<\/td>\n

\n

\n3<\/p>\n<\/td>\n

\n

\n3<\/p>\n<\/td>\n<\/tr>\n

\n

\nOther consumer loans<\/p>\n<\/td>\n

\n

\n8<\/p>\n<\/td>\n

\n

\n9<\/p>\n<\/td>\n

\n

\n8<\/p>\n<\/td>\n

\n

\n9<\/p>\n<\/td>\n

\n

\n11<\/p>\n<\/td>\n<\/tr>\n

\n

\nTotal consumer loans<\/p>\n<\/td>\n

\n

\n34<\/p>\n<\/td>\n

\n

\n36<\/p>\n<\/td>\n

\n

\n36<\/p>\n<\/td>\n

\n

\n34<\/p>\n<\/td>\n

\n

\n33<\/p>\n<\/td>\n<\/tr>\n

\n

\nTotal recoveries of losses previously charged-off<\/p>\n<\/td>\n

\n

\n$52<\/p>\n<\/td>\n

\n

\n$43<\/p>\n<\/td>\n

\n

\n$55<\/p>\n<\/td>\n

\n

\n$37<\/p>\n<\/td>\n

\n

\n$39<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\nNet losses charged-off:<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\nCommercial and industrial loans<\/p>\n<\/td>\n

\n

\n($44)<\/p>\n<\/td>\n

\n

\n($274)<\/p>\n<\/td>\n

\n

\n($69)<\/p>\n<\/td>\n

\n

\n($52)<\/p>\n<\/td>\n

\n

\n($55)<\/p>\n<\/td>\n<\/tr>\n

\n

\nCommercial mortgage loans<\/p>\n<\/td>\n

\n

\n(6)<\/p>\n<\/td>\n

\n

\n(1)<\/p>\n<\/td>\n

\n

\n(3)<\/p>\n<\/td>\n

\n

\n(10)<\/p>\n<\/td>\n

\n

\n\u2014<\/p>\n<\/td>\n<\/tr>\n

\n

\nCommercial construction loans<\/p>\n<\/td>\n

\n

\n\u2014<\/p>\n<\/td>\n

\n

\n\u2014<\/p>\n<\/td>\n

\n

\n\u2014<\/p>\n<\/td>\n

\n

\n\u2014<\/p>\n<\/td>\n

\n

\n\u2014<\/p>\n<\/td>\n<\/tr>\n

\n

\nCommercial leases<\/p>\n<\/td>\n

\n

\n(1)<\/p>\n<\/td>\n

\n

\n\u2014<\/p>\n<\/td>\n

\n

\n1<\/p>\n<\/td>\n

\n

\n(2)<\/p>\n<\/td>\n

\n

\n(2)<\/p>\n<\/td>\n<\/tr>\n

\n

\nTotal commercial loans and leases<\/p>\n<\/td>\n

\n

\n(51)<\/p>\n<\/td>\n

\n

\n(275)<\/p>\n<\/td>\n

\n

\n(71)<\/p>\n<\/td>\n

\n

\n(64)<\/p>\n<\/td>\n

\n

\n(57)<\/p>\n<\/td>\n<\/tr>\n

\n

\nResidential mortgage loans<\/p>\n<\/td>\n

\n

\n1<\/p>\n<\/td>\n

\n

\n1<\/p>\n<\/td>\n

\n

\n1<\/p>\n<\/td>\n

\n

\n\u2014<\/p>\n<\/td>\n

\n

\n\u2014<\/p>\n<\/td>\n<\/tr>\n

\n

\nHome equity<\/p>\n<\/td>\n

\n

\n(1)<\/p>\n<\/td>\n

\n

\n1<\/p>\n<\/td>\n

\n

\n\u2014<\/p>\n<\/td>\n

\n

\n\u2014<\/p>\n<\/td>\n

\n

\n\u2014<\/p>\n<\/td>\n<\/tr>\n

\n

\nIndirect secured consumer loans<\/p>\n<\/td>\n

\n

\n(27)<\/p>\n<\/td>\n

\n

\n(18)<\/p>\n<\/td>\n

\n

\n(16)<\/p>\n<\/td>\n

\n

\n(21)<\/p>\n<\/td>\n

\n

\n(27)<\/p>\n<\/td>\n<\/tr>\n

\n

\nCredit card<\/p>\n<\/td>\n

\n

\n(15)<\/p>\n<\/td>\n

\n

\n(16)<\/p>\n<\/td>\n

\n

\n(15)<\/p>\n<\/td>\n

\n

\n(17)<\/p>\n<\/td>\n

\n

\n(17)<\/p>\n<\/td>\n<\/tr>\n

\n

\nSolar energy installation loans<\/p>\n<\/td>\n

\n

\n(17)<\/p>\n<\/td>\n

\n

\n(16)<\/p>\n<\/td>\n

\n

\n(20)<\/p>\n<\/td>\n

\n

\n(18)<\/p>\n<\/td>\n

\n

\n(17)<\/p>\n<\/td>\n<\/tr>\n

\n

\nOther consumer loans<\/p>\n<\/td>\n

\n

\n(15)<\/p>\n<\/td>\n

\n

\n(16)<\/p>\n<\/td>\n

\n

\n(18)<\/p>\n<\/td>\n

\n

\n(16)<\/p>\n<\/td>\n

\n

\n(18)<\/p>\n<\/td>\n<\/tr>\n

\n

\nTotal consumer loans<\/p>\n<\/td>\n

\n

\n(74)<\/p>\n<\/td>\n

\n

\n(64)<\/p>\n<\/td>\n

\n

\n(68)<\/p>\n<\/td>\n

\n

\n(72)<\/p>\n<\/td>\n

\n

\n(79)<\/p>\n<\/td>\n<\/tr>\n

\n

\nTotal net losses charged-off<\/p>\n<\/td>\n

\n

\n($125)<\/p>\n<\/td>\n

\n

\n($339)<\/p>\n<\/td>\n

\n

\n($139)<\/p>\n<\/td>\n

\n

\n($136)<\/p>\n<\/td>\n

\n

\n($136)<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\nNet losses charged-off as a percent of average portfolio loans and leases (annualized):<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\nCommercial and industrial loans<\/p>\n<\/td>\n

\n

\n0.32%<\/p>\n<\/td>\n

\n

\n2.01%<\/p>\n<\/td>\n

\n

\n0.51%<\/p>\n<\/td>\n

\n

\n0.39%<\/p>\n<\/td>\n

\n

\n0.42%<\/p>\n<\/td>\n<\/tr>\n

\n

\nCommercial mortgage loans<\/p>\n<\/td>\n

\n

\n0.21%<\/p>\n<\/td>\n

\n

\n0.04%<\/p>\n<\/td>\n

\n

\n0.11%<\/p>\n<\/td>\n

\n

\n0.34%<\/p>\n<\/td>\n

\n

\n0.01%<\/p>\n<\/td>\n<\/tr>\n

\n

\nCommercial construction loans<\/p>\n<\/td>\n

\n

\n\u2014<\/p>\n<\/td>\n

\n

\n\u2014<\/p>\n<\/td>\n

\n

\n\u2014<\/p>\n<\/td>\n

\n

\n\u2014<\/p>\n<\/td>\n

\n

\n\u2014<\/p>\n<\/td>\n<\/tr>\n

\n

\nCommercial leases<\/p>\n<\/td>\n

\n

\n0.16%<\/p>\n<\/td>\n

\n

\n(0.04%)<\/p>\n<\/td>\n

\n

\n(0.10%)<\/p>\n<\/td>\n

\n

\n0.29%<\/p>\n<\/td>\n

\n

\n0.32%<\/p>\n<\/td>\n<\/tr>\n

\n

\nTotal commercial loans and leases<\/p>\n<\/td>\n

\n

\n0.27%<\/p>\n<\/td>\n

\n

\n1.46%<\/p>\n<\/td>\n

\n

\n0.38%<\/p>\n<\/td>\n

\n

\n0.35%<\/p>\n<\/td>\n

\n

\n0.32%<\/p>\n<\/td>\n<\/tr>\n

\n

\nResidential mortgage loans<\/p>\n<\/td>\n

\n

\n(0.01%)<\/p>\n<\/td>\n

\n

\n(0.02%)<\/p>\n<\/td>\n

\n

\n(0.01%)<\/p>\n<\/td>\n

\n

\n\u2014<\/p>\n<\/td>\n

\n

\n(0.01%)<\/p>\n<\/td>\n<\/tr>\n

\n

\nHome equity<\/p>\n<\/td>\n

\n

\n0.06%<\/p>\n<\/td>\n

\n

\n(0.05%)<\/p>\n<\/td>\n

\n

\n0.02%<\/p>\n<\/td>\n

\n

\n0.04%<\/p>\n<\/td>\n

\n

\n(0.01%)<\/p>\n<\/td>\n<\/tr>\n

\n

\nIndirect secured consumer loans<\/p>\n<\/td>\n

\n

\n0.59%<\/p>\n<\/td>\n

\n

\n0.40%<\/p>\n<\/td>\n

\n

\n0.37%<\/p>\n<\/td>\n

\n

\n0.53%<\/p>\n<\/td>\n

\n

\n0.66%<\/p>\n<\/td>\n<\/tr>\n

\n

\nCredit card<\/p>\n<\/td>\n

\n

\n3.62%<\/p>\n<\/td>\n

\n

\n3.70%<\/p>\n<\/td>\n

\n

\n3.74%<\/p>\n<\/td>\n

\n

\n4.19%<\/p>\n<\/td>\n

\n

\n4.00%<\/p>\n<\/td>\n<\/tr>\n

\n

\nSolar energy installation loans<\/p>\n<\/td>\n

\n

\n1.45%<\/p>\n<\/td>\n

\n

\n1.47%<\/p>\n<\/td>\n

\n

\n1.86%<\/p>\n<\/td>\n

\n

\n1.73%<\/p>\n<\/td>\n

\n

\n1.64%<\/p>\n<\/td>\n<\/tr>\n

\n

\nOther consumer loans<\/p>\n<\/td>\n

\n

\n2.46%<\/p>\n<\/td>\n

\n

\n2.51%<\/p>\n<\/td>\n

\n

\n2.49%<\/p>\n<\/td>\n

\n

\n2.52%<\/p>\n<\/td>\n

\n

\n2.84%<\/p>\n<\/td>\n<\/tr>\n

\n

\nTotal consumer loans<\/p>\n<\/td>\n

\n

\n0.59%<\/p>\n<\/td>\n

\n

\n0.52%<\/p>\n<\/td>\n

\n

\n0.56%<\/p>\n<\/td>\n

\n

\n0.63%<\/p>\n<\/td>\n

\n

\n0.68%<\/p>\n<\/td>\n<\/tr>\n

\n

\nTotal net losses charged-off as a percent of average portfolio loans and leases (annualized)<\/p>\n<\/td>\n

\n

\n0.40%<\/p>\n<\/td>\n

\n

\n1.09%<\/p>\n<\/td>\n

\n

\n0.45%<\/p>\n<\/td>\n

\n

\n0.46%<\/p>\n<\/td>\n

\n

\n0.46%<\/p>\n<\/td>\n<\/tr>\n<\/table>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
\n

Fifth Third Bancorp and Subsidiaries<\/b><\/p>\n<\/td>\n<\/tr>\n

\n

\nAsset Quality<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n$ in millions<\/p>\n<\/td>\n

\n

\nFor the Three Months Ended<\/p>\n<\/td>\n<\/tr>\n

\n

\n(unaudited)<\/p>\n<\/td>\n

\n

\nDecember<\/p>\n<\/td>\n

\n

\nSeptember<\/p>\n<\/td>\n

\n

\nJune<\/p>\n<\/td>\n

\n

\nMarch<\/p>\n<\/td>\n

\n

\nDecember<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n2025<\/p>\n<\/td>\n

\n

\n2025<\/p>\n<\/td>\n

\n

\n2025<\/p>\n<\/td>\n

\n

\n2025<\/p>\n<\/td>\n

\n

\n2024<\/p>\n<\/td>\n<\/tr>\n

\n

Allowance for Credit Losses<\/b><\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\nAllowance for loan and lease losses, beginning<\/p>\n<\/td>\n

\n

\n$2,265<\/p>\n<\/td>\n

\n

\n$2,412<\/p>\n<\/td>\n

\n

\n$2,384<\/p>\n<\/td>\n

\n

\n$2,352<\/p>\n<\/td>\n

\n

\n$2,305<\/p>\n<\/td>\n<\/tr>\n

\n

\nTotal net losses charged-off<\/p>\n<\/td>\n

\n

\n(125)<\/p>\n<\/td>\n

\n

\n(339)<\/p>\n<\/td>\n

\n

\n(139)<\/p>\n<\/td>\n

\n

\n(136)<\/p>\n<\/td>\n

\n

\n(136)<\/p>\n<\/td>\n<\/tr>\n

\n

\nProvision for loan and lease losses<\/p>\n<\/td>\n

\n

\n113<\/p>\n<\/td>\n

\n

\n192<\/p>\n<\/td>\n

\n

\n167<\/p>\n<\/td>\n

\n

\n168<\/p>\n<\/td>\n

\n

\n183<\/p>\n<\/td>\n<\/tr>\n

\n

\nAllowance for loan and lease losses, ending<\/p>\n<\/td>\n

\n

\n$2,253<\/p>\n<\/td>\n

\n

\n$2,265<\/p>\n<\/td>\n

\n

\n$2,412<\/p>\n<\/td>\n

\n

\n$2,384<\/p>\n<\/td>\n

\n

\n$2,352<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\nReserve for unfunded commitments, beginning<\/p>\n<\/td>\n

\n

\n$151<\/p>\n<\/td>\n

\n

\n$146<\/p>\n<\/td>\n

\n

\n$140<\/p>\n<\/td>\n

\n

\n$134<\/p>\n<\/td>\n

\n

\n$138<\/p>\n<\/td>\n<\/tr>\n

\n

\nProvision for (benefit from) the reserve for unfunded commitments<\/p>\n<\/td>\n

\n

\n6<\/p>\n<\/td>\n

\n

\n5<\/p>\n<\/td>\n

\n

\n6<\/p>\n<\/td>\n

\n

\n6<\/p>\n<\/td>\n

\n

\n(4)<\/p>\n<\/td>\n<\/tr>\n

\n

\nReserve for unfunded commitments, ending<\/p>\n<\/td>\n

\n

\n$157<\/p>\n<\/td>\n

\n

\n$151<\/p>\n<\/td>\n

\n

\n$146<\/p>\n<\/td>\n

\n

\n$140<\/p>\n<\/td>\n

\n

\n$134<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\nComponents of allowance for credit losses:<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\nAllowance for loan and lease losses<\/p>\n<\/td>\n

\n

\n$2,253<\/p>\n<\/td>\n

\n

\n$2,265<\/p>\n<\/td>\n

\n

\n$2,412<\/p>\n<\/td>\n

\n

\n$2,384<\/p>\n<\/td>\n

\n

\n$2,352<\/p>\n<\/td>\n<\/tr>\n

\n

\nReserve for unfunded commitments<\/p>\n<\/td>\n

\n

\n157<\/p>\n<\/td>\n

\n

\n151<\/p>\n<\/td>\n

\n

\n146<\/p>\n<\/td>\n

\n

\n140<\/p>\n<\/td>\n

\n

\n134<\/p>\n<\/td>\n<\/tr>\n

\n

\nTotal allowance for credit losses<\/p>\n<\/td>\n

\n

\n$2,410<\/p>\n<\/td>\n

\n

\n$2,416<\/p>\n<\/td>\n

\n

\n$2,558<\/p>\n<\/td>\n

\n

\n$2,524<\/p>\n<\/td>\n

\n

\n$2,486<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nAs of<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nDecember<\/p>\n<\/td>\n

\n

\nSeptember<\/p>\n<\/td>\n

\n

\nJune<\/p>\n<\/td>\n

\n

\nMarch<\/p>\n<\/td>\n

\n

\nDecember<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n2025<\/p>\n<\/td>\n

\n

\n2025<\/p>\n<\/td>\n

\n

\n2025<\/p>\n<\/td>\n

\n

\n2025<\/p>\n<\/td>\n

\n

\n2024<\/p>\n<\/td>\n<\/tr>\n

\n

Nonperforming Assets and Delinquent Loans<\/b><\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\nNonaccrual portfolio loans and leases:<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\nCommercial and industrial loans<\/p>\n<\/td>\n

\n

\n$393<\/p>\n<\/td>\n

\n

\n$393<\/p>\n<\/td>\n

\n

\n$460<\/p>\n<\/td>\n

\n

\n$537<\/p>\n<\/td>\n

\n

\n$374<\/p>\n<\/td>\n<\/tr>\n

\n

\nCommercial mortgage loans<\/p>\n<\/td>\n

\n

\n34<\/p>\n<\/td>\n

\n

\n42<\/p>\n<\/td>\n

\n

\n48<\/p>\n<\/td>\n

\n

\n70<\/p>\n<\/td>\n

\n

\n79<\/p>\n<\/td>\n<\/tr>\n

\n

\nCommercial construction loans<\/p>\n<\/td>\n

\n

\n\u2014<\/p>\n<\/td>\n

\n

\n\u2014<\/p>\n<\/td>\n

\n

\n\u2014<\/p>\n<\/td>\n

\n

\n\u2014<\/p>\n<\/td>\n

\n

\n1<\/p>\n<\/td>\n<\/tr>\n

\n

\nCommercial leases<\/p>\n<\/td>\n

\n

\n\u2014<\/p>\n<\/td>\n

\n

\n\u2014<\/p>\n<\/td>\n

\n

\n\u2014<\/p>\n<\/td>\n

\n

\n16<\/p>\n<\/td>\n

\n

\n2<\/p>\n<\/td>\n<\/tr>\n

\n

\nResidential mortgage loans<\/p>\n<\/td>\n

\n

\n149<\/p>\n<\/td>\n

\n

\n142<\/p>\n<\/td>\n

\n

\n143<\/p>\n<\/td>\n

\n

\n145<\/p>\n<\/td>\n

\n

\n137<\/p>\n<\/td>\n<\/tr>\n

\n

\nHome equity<\/p>\n<\/td>\n

\n

\n71<\/p>\n<\/td>\n

\n

\n72<\/p>\n<\/td>\n

\n

\n75<\/p>\n<\/td>\n

\n

\n69<\/p>\n<\/td>\n

\n

\n70<\/p>\n<\/td>\n<\/tr>\n

\n

\nIndirect secured consumer loans<\/p>\n<\/td>\n

\n

\n61<\/p>\n<\/td>\n

\n

\n61<\/p>\n<\/td>\n

\n

\n65<\/p>\n<\/td>\n

\n

\n60<\/p>\n<\/td>\n

\n

\n55<\/p>\n<\/td>\n<\/tr>\n

\n

\nCredit card<\/p>\n<\/td>\n

\n

\n29<\/p>\n<\/td>\n

\n

\n29<\/p>\n<\/td>\n

\n

\n29<\/p>\n<\/td>\n

\n

\n31<\/p>\n<\/td>\n

\n

\n32<\/p>\n<\/td>\n<\/tr>\n

\n

\nSolar energy installation loans<\/p>\n<\/td>\n

\n

\n22<\/p>\n<\/td>\n

\n

\n22<\/p>\n<\/td>\n

\n

\n26<\/p>\n<\/td>\n

\n

\n30<\/p>\n<\/td>\n

\n

\n64<\/p>\n<\/td>\n<\/tr>\n

\n

\nOther consumer loans<\/p>\n<\/td>\n

\n

\n8<\/p>\n<\/td>\n

\n

\n7<\/p>\n<\/td>\n

\n

\n7<\/p>\n<\/td>\n

\n

\n8<\/p>\n<\/td>\n

\n

\n9<\/p>\n<\/td>\n<\/tr>\n

\n

\nTotal nonaccrual portfolio loans and leases<\/p>\n<\/td>\n

\n

\n767<\/p>\n<\/td>\n

\n

\n768<\/p>\n<\/td>\n

\n

\n853<\/p>\n<\/td>\n

\n

\n966<\/p>\n<\/td>\n

\n

\n823<\/p>\n<\/td>\n<\/tr>\n

\n

\nRepossessed property<\/p>\n<\/td>\n

\n

\n11<\/p>\n<\/td>\n

\n

\n12<\/p>\n<\/td>\n

\n

\n8<\/p>\n<\/td>\n

\n

\n9<\/p>\n<\/td>\n

\n

\n9<\/p>\n<\/td>\n<\/tr>\n

\n

\nOREO<\/p>\n<\/td>\n

\n

\n19<\/p>\n<\/td>\n

\n

\n21<\/p>\n<\/td>\n

\n

\n25<\/p>\n<\/td>\n

\n

\n21<\/p>\n<\/td>\n

\n

\n21<\/p>\n<\/td>\n<\/tr>\n

\n

\nTotal nonperforming portfolio loans and leases and OREO<\/p>\n<\/td>\n

\n

\n797<\/p>\n<\/td>\n

\n

\n801<\/p>\n<\/td>\n

\n

\n886<\/p>\n<\/td>\n

\n

\n996<\/p>\n<\/td>\n

\n

\n853<\/p>\n<\/td>\n<\/tr>\n

\n

\nNonaccrual loans held for sale<\/p>\n<\/td>\n

\n

\n70<\/p>\n<\/td>\n

\n

\n4<\/p>\n<\/td>\n

\n

\n27<\/p>\n<\/td>\n

\n

\n21<\/p>\n<\/td>\n

\n

\n7<\/p>\n<\/td>\n<\/tr>\n

\n

\nTotal nonperforming assets<\/p>\n<\/td>\n

\n

\n$867<\/p>\n<\/td>\n

\n

\n$805<\/p>\n<\/td>\n

\n

\n$913<\/p>\n<\/td>\n

\n

\n$1,017<\/p>\n<\/td>\n

\n

\n$860<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\nLoans and leases 90 days past due (accrual):<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\nCommercial and industrial loans<\/p>\n<\/td>\n

\n

\n$2<\/p>\n<\/td>\n

\n

\n$2<\/p>\n<\/td>\n

\n

\n$5<\/p>\n<\/td>\n

\n

\n$2<\/p>\n<\/td>\n

\n

\n$5<\/p>\n<\/td>\n<\/tr>\n

\n

\nCommercial mortgage loans<\/p>\n<\/td>\n

\n

\n\u2014<\/p>\n<\/td>\n

\n

\n\u2014<\/p>\n<\/td>\n

\n

\n3<\/p>\n<\/td>\n

\n

\n6<\/p>\n<\/td>\n

\n

\n\u2014<\/p>\n<\/td>\n<\/tr>\n

\n

\nCommercial construction loans<\/p>\n<\/td>\n

\n

\n1<\/p>\n<\/td>\n

\n

\n\u2014<\/p>\n<\/td>\n

\n

\n\u2014<\/p>\n<\/td>\n

\n

\n\u2014<\/p>\n<\/td>\n

\n

\n\u2014<\/p>\n<\/td>\n<\/tr>\n

\n

\nCommercial leases<\/p>\n<\/td>\n

\n

\n\u2014<\/p>\n<\/td>\n

\n

\n\u2014<\/p>\n<\/td>\n

\n

\n\u2014<\/p>\n<\/td>\n

\n

\n\u2014<\/p>\n<\/td>\n

\n

\n1<\/p>\n<\/td>\n<\/tr>\n

\n

\nTotal commercial loans and leases<\/p>\n<\/td>\n

\n

\n3<\/p>\n<\/td>\n

\n

\n2<\/p>\n<\/td>\n

\n

\n8<\/p>\n<\/td>\n

\n

\n8<\/p>\n<\/td>\n

\n

\n6<\/p>\n<\/td>\n<\/tr>\n

\n

\nResidential mortgage loans(c)<\/sup><\/i><\/p>\n<\/td>\n

\n

\n10<\/p>\n<\/td>\n

\n

\n11<\/p>\n<\/td>\n

\n

\n8<\/p>\n<\/td>\n

\n

\n8<\/p>\n<\/td>\n

\n

\n6<\/p>\n<\/td>\n<\/tr>\n

\n

\nCredit card<\/p>\n<\/td>\n

\n

\n17<\/p>\n<\/td>\n

\n

\n16<\/p>\n<\/td>\n

\n

\n18<\/p>\n<\/td>\n

\n

\n17<\/p>\n<\/td>\n

\n

\n20<\/p>\n<\/td>\n<\/tr>\n

\n

\nTotal consumer loans<\/p>\n<\/td>\n

\n

\n27<\/p>\n<\/td>\n

\n

\n27<\/p>\n<\/td>\n

\n

\n26<\/p>\n<\/td>\n

\n

\n25<\/p>\n<\/td>\n

\n

\n26<\/p>\n<\/td>\n<\/tr>\n

\n

\nTotal loans and leases 90 days past due (accrual)(b)<\/sup><\/i><\/p>\n<\/td>\n

\n

\n$30<\/p>\n<\/td>\n

\n

\n$29<\/p>\n<\/td>\n

\n

\n$34<\/p>\n<\/td>\n

\n

\n$33<\/p>\n<\/td>\n

\n

\n$32<\/p>\n<\/td>\n<\/tr>\n

\n

Ratios<\/b><\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\nNet losses charged-off as a percent of average portfolio loans and leases (annualized)<\/p>\n<\/td>\n

\n

\n0.40%<\/p>\n<\/td>\n

\n

\n1.09%<\/p>\n<\/td>\n

\n

\n0.45%<\/p>\n<\/td>\n

\n

\n0.46%<\/p>\n<\/td>\n

\n

\n0.46%<\/p>\n<\/td>\n<\/tr>\n

\n

\nAllowance for credit losses:<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\nAs a percent of portfolio loans and leases<\/p>\n<\/td>\n

\n

\n1.96%<\/p>\n<\/td>\n

\n

\n1.96%<\/p>\n<\/td>\n

\n

\n2.09%<\/p>\n<\/td>\n

\n

\n2.07%<\/p>\n<\/td>\n

\n

\n2.08%<\/p>\n<\/td>\n<\/tr>\n

\n

\nAs a percent of nonperforming portfolio loans and leases(a)<\/sup><\/i><\/p>\n<\/td>\n

\n

\n314%<\/p>\n<\/td>\n

\n

\n314%<\/p>\n<\/td>\n

\n

\n300%<\/p>\n<\/td>\n

\n

\n261%<\/p>\n<\/td>\n

\n

\n302%<\/p>\n<\/td>\n<\/tr>\n

\n

\nAs a percent of nonperforming portfolio assets(a)<\/sup><\/i><\/p>\n<\/td>\n

\n

\n302%<\/p>\n<\/td>\n

\n

\n302%<\/p>\n<\/td>\n

\n

\n289%<\/p>\n<\/td>\n

\n

\n253%<\/p>\n<\/td>\n

\n

\n291%<\/p>\n<\/td>\n<\/tr>\n

\n

\nNonperforming portfolio loans and leases as a percent of portfolio loans and leases(a)<\/sup><\/i><\/p>\n<\/td>\n

\n

\n0.62%<\/p>\n<\/td>\n

\n

\n0.62%<\/p>\n<\/td>\n

\n

\n0.70%<\/p>\n<\/td>\n

\n

\n0.79%<\/p>\n<\/td>\n

\n

\n0.69%<\/p>\n<\/td>\n<\/tr>\n

\n

\nNonperforming portfolio assets as a percent of portfolio loans and leases and OREO(a)<\/sup><\/i><\/p>\n<\/td>\n

\n

\n0.65%<\/p>\n<\/td>\n

\n

\n0.65%<\/p>\n<\/td>\n

\n

\n0.72%<\/p>\n<\/td>\n

\n

\n0.81%<\/p>\n<\/td>\n

\n

\n0.71%<\/p>\n<\/td>\n<\/tr>\n

\n

\nNonperforming assets as a percent of total loans and leases, OREO, and repossessed property<\/p>\n<\/td>\n

\n

\n0.70%<\/p>\n<\/td>\n

\n

\n0.65%<\/p>\n<\/td>\n

\n

\n0.74%<\/p>\n<\/td>\n

\n

\n0.83%<\/p>\n<\/td>\n

\n

\n0.71%<\/p>\n<\/td>\n<\/tr>\n

\n

(a) Excludes nonaccrual loans held for sale.<\/i><\/p>\n<\/td>\n<\/tr>\n

\n

(b) Excludes loans held for sale.<\/i><\/p>\n<\/td>\n<\/tr>\n

\n

(c) Excludes government guaranteed residential mortgage loans.<\/i><\/p>\n<\/td>\n<\/tr>\n<\/table>\n

Use of Non-GAAP Financial Measures<\/b><\/p>\n

\nIn addition to GAAP measures, management considers various non-GAAP measures when evaluating the performance of the business, including: \u201cnet interest income (FTE),\u201d \u201cinterest income (FTE),\u201d \u201cnet interest margin (FTE),\u201d \u201cnet interest rate spread (FTE),\u201d \u201cincome before income taxes (FTE),\u201d \u201ctangible net income available to common shareholders,\u201d \u201caverage tangible common equity,\u201d \u201creturn on average tangible common equity,\u201d \u201ctangible common equity (excluding AOCI),\u201d \u201ctangible common equity (including AOCI),\u201d \u201ctangible equity,\u201d \u201ctangible book value per share,\u201d \u201ctangible book value per share (excluding AOCI),\u201d \u201cadjusted noninterest income,\u201d \u201cnoninterest income excluding certain items,\u201d \u201cadjusted noninterest expense,\u201d \u201cnoninterest expense excluding certain items,\u201d \u201cpre-provision net revenue,\u201d \u201cadjusted efficiency ratio,\u201d \u201cadjusted return on average common equity,\u201d \u201cadjusted return on average tangible common equity,\u201d \u201cadjusted return on average tangible common equity, excluding accumulated other comprehensive income”, \u201cadjusted pre-provision net revenue,\u201d \u201cadjusted return on average assets,\u201d \u201cefficiency ratio (FTE),\u201d \u201ctotal revenue (FTE),\u201d “adjusted total revenue,” \u201cnoninterest income as a percent of total revenue\u201d, 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.<\/p>\n

\nThe 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.<\/p>\n

\nThe 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.<\/p>\n

\nThe 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.<\/p>\n

\nThe 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.<\/p>\n

\nManagement 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\u2019s 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\u2019s use of equity if components of AOCI, such as unrealized gains or losses, were to be monetized.<\/p>\n

\nPlease 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.<\/p>\n

\nPlease see reconciliations of all historical non-GAAP measures used in this release to the most directly comparable GAAP measures, beginning on the following page.<\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
\n

\n\u00a0<\/p>\n<\/td>\n

\n

Fifth Third Bancorp and Subsidiaries<\/b><\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nNon-GAAP Reconciliation<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n$ and shares in millions<\/p>\n<\/td>\n

\n

\nAs of and For the Three Months Ended<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n(unaudited)<\/p>\n<\/td>\n

\n

\nDecember<\/p>\n<\/td>\n

\n

\nSeptember<\/p>\n<\/td>\n

\n

\nJune<\/p>\n<\/td>\n

\n

\nMarch<\/p>\n<\/td>\n

\n

\nDecember<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n2025<\/p>\n<\/td>\n

\n

\n2025<\/p>\n<\/td>\n

\n

\n2025<\/p>\n<\/td>\n

\n

\n2025<\/p>\n<\/td>\n

\n

\n2024<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

Net interest income<\/b><\/p>\n<\/td>\n

\n

\n$1,529<\/p>\n<\/td>\n

\n

\n$1,520<\/p>\n<\/td>\n

\n

\n$1,495<\/p>\n<\/td>\n

\n

\n$1,437<\/p>\n<\/td>\n

\n

\n$1,437<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nAdd: Taxable equivalent adjustment<\/p>\n<\/td>\n

\n

\n4<\/p>\n<\/td>\n

\n

\n5<\/p>\n<\/td>\n

\n

\n5<\/p>\n<\/td>\n

\n

\n5<\/p>\n<\/td>\n

\n

\n6<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nNet interest income (FTE) (a)<\/p>\n<\/td>\n

\n

\n1,533<\/p>\n<\/td>\n

\n

\n1,525<\/p>\n<\/td>\n

\n

\n1,500<\/p>\n<\/td>\n

\n

\n1,442<\/p>\n<\/td>\n

\n

\n1,443<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

Net interest income (annualized) (b)<\/b><\/p>\n<\/td>\n

\n

\n6,066<\/p>\n<\/td>\n

\n

\n6,030<\/p>\n<\/td>\n

\n

\n5,996<\/p>\n<\/td>\n

\n

\n5,828<\/p>\n<\/td>\n

\n

\n5,717<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nNet interest income (FTE) (annualized) (c)<\/p>\n<\/td>\n

\n

\n6,082<\/p>\n<\/td>\n

\n

\n6,050<\/p>\n<\/td>\n

\n

\n6,016<\/p>\n<\/td>\n

\n

\n5,848<\/p>\n<\/td>\n

\n

\n5,741<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

Interest income<\/b><\/p>\n<\/td>\n

\n

\n2,468<\/p>\n<\/td>\n

\n

\n2,519<\/p>\n<\/td>\n

\n

\n2,484<\/p>\n<\/td>\n

\n

\n2,432<\/p>\n<\/td>\n

\n

\n2,528<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nAdd: Taxable equivalent adjustment<\/p>\n<\/td>\n

\n

\n4<\/p>\n<\/td>\n

\n

\n5<\/p>\n<\/td>\n

\n

\n5<\/p>\n<\/td>\n

\n

\n5<\/p>\n<\/td>\n

\n

\n6<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nInterest income (FTE)<\/p>\n<\/td>\n

\n

\n2,472<\/p>\n<\/td>\n

\n

\n2,524<\/p>\n<\/td>\n

\n

\n2,489<\/p>\n<\/td>\n

\n

\n2,437<\/p>\n<\/td>\n

\n

\n2,534<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nInterest income (FTE) (annualized) (d)<\/p>\n<\/td>\n

\n

\n9,807<\/p>\n<\/td>\n

\n

\n10,014<\/p>\n<\/td>\n

\n

\n9,983<\/p>\n<\/td>\n

\n

\n9,883<\/p>\n<\/td>\n

\n

\n10,081<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

Interest expense (annualized) (e)<\/b><\/p>\n<\/td>\n

\n

\n3,725<\/p>\n<\/td>\n

\n

\n3,963<\/p>\n<\/td>\n

\n

\n3,967<\/p>\n<\/td>\n

\n

\n4,035<\/p>\n<\/td>\n

\n

\n4,340<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

Average interest-earning assets (f)<\/b><\/p>\n<\/td>\n

\n

\n194,144<\/p>\n<\/td>\n

\n

\n193,500<\/p>\n<\/td>\n

\n

\n192,682<\/p>\n<\/td>\n

\n

\n192,808<\/p>\n<\/td>\n

\n

\n193,513<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

Average interest-bearing liabilities (g)<\/b><\/p>\n<\/td>\n

\n

\n143,518<\/p>\n<\/td>\n

\n

\n143,096<\/p>\n<\/td>\n

\n

\n142,913<\/p>\n<\/td>\n

\n

\n144,285<\/p>\n<\/td>\n

\n

\n144,771<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

Net interest margin (b) \/ (f)<\/b><\/p>\n<\/td>\n

\n

\n3.12 %<\/p>\n<\/td>\n

\n

\n3.12 %<\/p>\n<\/td>\n

\n

\n3.11 %<\/p>\n<\/td>\n

\n

\n3.02 %<\/p>\n<\/td>\n

\n

\n2.95 %<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nNet interest margin (FTE) (c) \/ (f)<\/p>\n<\/td>\n

\n

\n3.13 %<\/p>\n<\/td>\n

\n

\n3.13 %<\/p>\n<\/td>\n

\n

\n3.12 %<\/p>\n<\/td>\n

\n

\n3.03 %<\/p>\n<\/td>\n

\n

\n2.97 %<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nNet interest rate spread (FTE) (d) \/ (f) – (e) \/ (g)<\/p>\n<\/td>\n

\n

\n2.45 %<\/p>\n<\/td>\n

\n

\n2.41 %<\/p>\n<\/td>\n

\n

\n2.40 %<\/p>\n<\/td>\n

\n

\n2.33 %<\/p>\n<\/td>\n

\n

\n2.21 %<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

Income before income taxes<\/b><\/p>\n<\/td>\n

\n

\n$912<\/p>\n<\/td>\n

\n

\n$837<\/p>\n<\/td>\n

\n

\n$808<\/p>\n<\/td>\n

\n

\n$653<\/p>\n<\/td>\n

\n

\n$764<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nAdd: Taxable equivalent adjustment<\/p>\n<\/td>\n

\n

\n4<\/p>\n<\/td>\n

\n

\n5<\/p>\n<\/td>\n

\n

\n5<\/p>\n<\/td>\n

\n

\n5<\/p>\n<\/td>\n

\n

\n6<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nIncome before income taxes (FTE)<\/p>\n<\/td>\n

\n

\n916<\/p>\n<\/td>\n

\n

\n842<\/p>\n<\/td>\n

\n

\n813<\/p>\n<\/td>\n

\n

\n658<\/p>\n<\/td>\n

\n

\n770<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

Net income available to common shareholders<\/b><\/p>\n<\/td>\n

\n

\n699<\/p>\n<\/td>\n

\n

\n608<\/p>\n<\/td>\n

\n

\n591<\/p>\n<\/td>\n

\n

\n478<\/p>\n<\/td>\n

\n

\n582<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nAdd: Intangible amortization, net of tax<\/p>\n<\/td>\n

\n

\n5<\/p>\n<\/td>\n

\n

\n5<\/p>\n<\/td>\n

\n

\n5<\/p>\n<\/td>\n

\n

\n6<\/p>\n<\/td>\n

\n

\n7<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nTangible net income available to common shareholders (h)<\/p>\n<\/td>\n

\n

\n704<\/p>\n<\/td>\n

\n

\n613<\/p>\n<\/td>\n

\n

\n596<\/p>\n<\/td>\n

\n

\n484<\/p>\n<\/td>\n

\n

\n589<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nTangible net income available to common shareholders (annualized) (i)<\/p>\n<\/td>\n

\n

\n2,793<\/p>\n<\/td>\n

\n

\n2,432<\/p>\n<\/td>\n

\n

\n2,391<\/p>\n<\/td>\n

\n

\n1,963<\/p>\n<\/td>\n

\n

\n2,343<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

Average Bancorp shareholders<\/b>\u2019 equity<\/b><\/p>\n<\/td>\n

\n

\n21,527<\/p>\n<\/td>\n

\n

\n21,216<\/p>\n<\/td>\n

\n

\n20,670<\/p>\n<\/td>\n

\n

\n20,000<\/p>\n<\/td>\n

\n

\n19,893<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nLess: Average preferred stock<\/p>\n<\/td>\n

\n

\n(1,770)<\/p>\n<\/td>\n

\n

\n(2,112)<\/p>\n<\/td>\n

\n

\n(2,116)<\/p>\n<\/td>\n

\n

\n(2,116)<\/p>\n<\/td>\n

\n

\n(2,116)<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nAverage goodwill<\/p>\n<\/td>\n

\n

\n(4,947)<\/p>\n<\/td>\n

\n

\n(4,937)<\/p>\n<\/td>\n

\n

\n(4,918)<\/p>\n<\/td>\n

\n

\n(4,918)<\/p>\n<\/td>\n

\n

\n(4,918)<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nAverage intangible assets<\/p>\n<\/td>\n

\n

\n(72)<\/p>\n<\/td>\n

\n

\n(77)<\/p>\n<\/td>\n

\n

\n(79)<\/p>\n<\/td>\n

\n

\n(86)<\/p>\n<\/td>\n

\n

\n(94)<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nAverage tangible common equity, including AOCI (j)<\/p>\n<\/td>\n

\n

\n14,738<\/p>\n<\/td>\n

\n

\n14,090<\/p>\n<\/td>\n

\n

\n13,557<\/p>\n<\/td>\n

\n

\n12,880<\/p>\n<\/td>\n

\n

\n12,765<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nLess: Average AOCI<\/p>\n<\/td>\n

\n

\n3,137<\/p>\n<\/td>\n

\n

\n3,520<\/p>\n<\/td>\n

\n

\n3,935<\/p>\n<\/td>\n

\n

\n4,362<\/p>\n<\/td>\n

\n

\n4,292<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nAverage tangible common equity, excluding AOCI (k)<\/p>\n<\/td>\n

\n

\n17,875<\/p>\n<\/td>\n

\n

\n17,610<\/p>\n<\/td>\n

\n

\n17,492<\/p>\n<\/td>\n

\n

\n17,242<\/p>\n<\/td>\n

\n

\n17,057<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

Total Bancorp shareholders<\/b>\u2019 equity<\/b><\/p>\n<\/td>\n

\n

\n21,724<\/p>\n<\/td>\n

\n

\n21,107<\/p>\n<\/td>\n

\n

\n21,124<\/p>\n<\/td>\n

\n

\n20,403<\/p>\n<\/td>\n

\n

\n19,645<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nLess: Preferred stock<\/p>\n<\/td>\n

\n

\n(1,770)<\/p>\n<\/td>\n

\n

\n(1,770)<\/p>\n<\/td>\n

\n

\n(2,116)<\/p>\n<\/td>\n

\n

\n(2,116)<\/p>\n<\/td>\n

\n

\n(2,116)<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nGoodwill<\/p>\n<\/td>\n

\n

\n(4,947)<\/p>\n<\/td>\n

\n

\n(4,947)<\/p>\n<\/td>\n

\n

\n(4,918)<\/p>\n<\/td>\n

\n

\n(4,918)<\/p>\n<\/td>\n

\n

\n(4,918)<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nIntangible assets<\/p>\n<\/td>\n

\n

\n(69)<\/p>\n<\/td>\n

\n

\n(76)<\/p>\n<\/td>\n

\n

\n(75)<\/p>\n<\/td>\n

\n

\n(82)<\/p>\n<\/td>\n

\n

\n(90)<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nTangible common equity, including AOCI (l)<\/p>\n<\/td>\n

\n

\n14,938<\/p>\n<\/td>\n

\n

\n14,314<\/p>\n<\/td>\n

\n

\n14,015<\/p>\n<\/td>\n

\n

\n13,287<\/p>\n<\/td>\n

\n

\n12,521<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nLess: AOCI<\/p>\n<\/td>\n

\n

\n3,110<\/p>\n<\/td>\n

\n

\n3,276<\/p>\n<\/td>\n

\n

\n3,546<\/p>\n<\/td>\n

\n

\n3,895<\/p>\n<\/td>\n

\n

\n4,636<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nTangible common equity, excluding AOCI (m)<\/p>\n<\/td>\n

\n

\n18,048<\/p>\n<\/td>\n

\n

\n17,590<\/p>\n<\/td>\n

\n

\n17,561<\/p>\n<\/td>\n

\n

\n17,182<\/p>\n<\/td>\n

\n

\n17,157<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nAdd: Preferred stock<\/p>\n<\/td>\n

\n

\n1,770<\/p>\n<\/td>\n

\n

\n1,770<\/p>\n<\/td>\n

\n

\n2,116<\/p>\n<\/td>\n

\n

\n2,116<\/p>\n<\/td>\n

\n

\n2,116<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nTangible equity (n)<\/p>\n<\/td>\n

\n

\n19,818<\/p>\n<\/td>\n

\n

\n19,360<\/p>\n<\/td>\n

\n

\n19,677<\/p>\n<\/td>\n

\n

\n19,298<\/p>\n<\/td>\n

\n

\n19,273<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

Total assets<\/b><\/p>\n<\/td>\n

\n

\n214,376<\/p>\n<\/td>\n

\n

\n212,903<\/p>\n<\/td>\n

\n

\n209,991<\/p>\n<\/td>\n

\n

\n212,669<\/p>\n<\/td>\n

\n

\n212,927<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nLess: Goodwill<\/p>\n<\/td>\n

\n

\n(4,947)<\/p>\n<\/td>\n

\n

\n(4,947)<\/p>\n<\/td>\n

\n

\n(4,918)<\/p>\n<\/td>\n

\n

\n(4,918)<\/p>\n<\/td>\n

\n

\n(4,918)<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nIntangible assets<\/p>\n<\/td>\n

\n

\n(69)<\/p>\n<\/td>\n

\n

\n(76)<\/p>\n<\/td>\n

\n

\n(75)<\/p>\n<\/td>\n

\n

\n(82)<\/p>\n<\/td>\n

\n

\n(90)<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nTangible assets, including AOCI (o)<\/p>\n<\/td>\n

\n

\n209,360<\/p>\n<\/td>\n

\n

\n207,880<\/p>\n<\/td>\n

\n

\n204,998<\/p>\n<\/td>\n

\n

\n207,669<\/p>\n<\/td>\n

\n

\n207,919<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nLess: AOCI, before tax<\/p>\n<\/td>\n

\n

\n4,092<\/p>\n<\/td>\n

\n

\n4,311<\/p>\n<\/td>\n

\n

\n4,666<\/p>\n<\/td>\n

\n

\n5,125<\/p>\n<\/td>\n

\n

\n5,868<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nTangible assets, excluding AOCI (p)<\/p>\n<\/td>\n

\n

\n$213,452<\/p>\n<\/td>\n

\n

\n$212,191<\/p>\n<\/td>\n

\n

\n$209,664<\/p>\n<\/td>\n

\n

\n$212,794<\/p>\n<\/td>\n

\n

\n$213,787<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

Common shares outstanding (q)<\/b><\/p>\n<\/td>\n

\n

\n661<\/p>\n<\/td>\n

\n

\n661<\/p>\n<\/td>\n

\n

\n668<\/p>\n<\/td>\n

\n

\n667<\/p>\n<\/td>\n

\n

\n670<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nTangible equity (n) \/ (p)<\/p>\n<\/td>\n

\n

\n9.28%<\/p>\n<\/td>\n

\n

\n9.12%<\/p>\n<\/td>\n

\n

\n9.39%<\/p>\n<\/td>\n

\n

\n9.07%<\/p>\n<\/td>\n

\n

\n9.02%<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nTangible common equity (excluding AOCI) (m) \/ (p)<\/p>\n<\/td>\n

\n

\n8.46%<\/p>\n<\/td>\n

\n

\n8.29%<\/p>\n<\/td>\n

\n

\n8.38%<\/p>\n<\/td>\n

\n

\n8.07%<\/p>\n<\/td>\n

\n

\n8.03%<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nTangible common equity (including AOCI) (l) \/ (o)<\/p>\n<\/td>\n

\n

\n7.14%<\/p>\n<\/td>\n

\n

\n6.89%<\/p>\n<\/td>\n

\n

\n6.84%<\/p>\n<\/td>\n

\n

\n6.40%<\/p>\n<\/td>\n

\n

\n6.02%<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nTangible book value per share (including AOCI) (l) \/ (q)<\/p>\n<\/td>\n

\n

\n$22.60<\/p>\n<\/td>\n

\n

\n$21.66<\/p>\n<\/td>\n

\n

\n$20.98<\/p>\n<\/td>\n

\n

\n$19.92<\/p>\n<\/td>\n

\n

\n$18.69<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nTangible book value per share (excluding AOCI) (m) \/ (q)<\/p>\n<\/td>\n

\n

\n$27.30<\/p>\n<\/td>\n

\n

\n$26.61<\/p>\n<\/td>\n

\n

\n$26.29<\/p>\n<\/td>\n

\n

\n$25.76<\/p>\n<\/td>\n

\n

\n$25.61<\/p>\n<\/td>\n<\/tr>\n<\/table>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
\n

Fifth Third Bancorp and Subsidiaries<\/b><\/p>\n<\/td>\n<\/tr>\n

\n

\nNon-GAAP Reconciliation<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n$ in millions<\/p>\n<\/td>\n

\n

\nFor the Three Months Ended<\/p>\n<\/td>\n<\/tr>\n

\n

\n(unaudited)<\/p>\n<\/td>\n

\n

\nDecember<\/p>\n<\/td>\n

\n

\nSeptember<\/p>\n<\/td>\n

\n

\nDecember<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n2025<\/p>\n<\/td>\n

\n

\n2025<\/p>\n<\/td>\n

\n

\n2024<\/p>\n<\/td>\n<\/tr>\n

\n

Net income (r)<\/b><\/p>\n<\/td>\n

\n

\n$731<\/p>\n<\/td>\n

\n

\n$649<\/p>\n<\/td>\n

\n

\n$620<\/p>\n<\/td>\n<\/tr>\n

\n

Net income (annualized) (s)<\/b><\/p>\n<\/td>\n

\n

\n2,900<\/p>\n<\/td>\n

\n

\n2,575<\/p>\n<\/td>\n

\n

\n2,467<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\nAdjustments (pre-tax items)<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nInterchange litigation matters<\/p>\n<\/td>\n

\n

\n11<\/p>\n<\/td>\n

\n

\n27<\/p>\n<\/td>\n

\n

\n55<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nNon-qualified deferred compensation expense\/(benefit)<\/p>\n<\/td>\n

\n

\n(5)<\/p>\n<\/td>\n

\n

\n11<\/p>\n<\/td>\n

\n

\n(7)<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nSecurities (gains)\/losses<\/p>\n<\/td>\n

\n

\n5<\/p>\n<\/td>\n

\n

\n(10)<\/p>\n<\/td>\n

\n

\n8<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nLitigation settlements<\/p>\n<\/td>\n

\n

\n(12)<\/p>\n<\/td>\n

\n

\n\u2014<\/p>\n<\/td>\n

\n

\n\u2014<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nMerger-related expenses<\/p>\n<\/td>\n

\n

\n13<\/p>\n<\/td>\n

\n

\n\u2014<\/p>\n<\/td>\n

\n

\n\u2014<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nFDIC special assessment<\/p>\n<\/td>\n

\n

\n(25)<\/p>\n<\/td>\n

\n

\n(6)<\/p>\n<\/td>\n

\n

\n(11)<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nFifth Third Foundation contribution<\/p>\n<\/td>\n

\n

\n50<\/p>\n<\/td>\n

\n

\n\u2014<\/p>\n<\/td>\n

\n

\n15<\/p>\n<\/td>\n<\/tr>\n

\n

\nAdjustments, after-tax (t)(a)(b)<\/sup><\/i><\/p>\n<\/td>\n

\n

\n31<\/p>\n<\/td>\n

\n

\n16<\/p>\n<\/td>\n

\n

\n47<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\nAdjustments (tax related items)<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nBenefit related to the resolution of certain tax matters<\/p>\n<\/td>\n

\n

\n(7)<\/p>\n<\/td>\n

\n

\n\u2014<\/p>\n<\/td>\n

\n

\n(15)<\/p>\n<\/td>\n<\/tr>\n

\n

\nAdjustments (tax related items) (u)<\/p>\n<\/td>\n

\n

\n(7)<\/p>\n<\/td>\n

\n

\n\u2014<\/p>\n<\/td>\n

\n

\n(15)<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

Noninterest income (v)<\/b><\/p>\n<\/td>\n

\n

\n811<\/p>\n<\/td>\n

\n

\n781<\/p>\n<\/td>\n

\n

\n732<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nInterchange litigation matters<\/p>\n<\/td>\n

\n

\n8<\/p>\n<\/td>\n

\n

\n18<\/p>\n<\/td>\n

\n

\n51<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nLitigation settlements<\/p>\n<\/td>\n

\n

\n(12)<\/p>\n<\/td>\n

\n

\n\u2014<\/p>\n<\/td>\n

\n

\n\u2014<\/p>\n<\/td>\n<\/tr>\n

\n

\nNoninterest income excluding certain item(s)<\/p>\n<\/td>\n

\n

\n807<\/p>\n<\/td>\n

\n

\n799<\/p>\n<\/td>\n

\n

\n783<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nSecurities (gains)\/losses<\/p>\n<\/td>\n

\n

\n5<\/p>\n<\/td>\n

\n

\n(10)<\/p>\n<\/td>\n

\n

\n8<\/p>\n<\/td>\n<\/tr>\n

\n

\nAdjusted noninterest income, excluding certain items and securities (gains)\/losses (w)<\/p>\n<\/td>\n

\n

\n812<\/p>\n<\/td>\n

\n

\n789<\/p>\n<\/td>\n

\n

\n791<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

Noninterest expense (x)<\/b><\/p>\n<\/td>\n

\n

\n1,309<\/p>\n<\/td>\n

\n

\n1,267<\/p>\n<\/td>\n

\n

\n1,226<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nInterchange litigation matters<\/p>\n<\/td>\n

\n

\n(3)<\/p>\n<\/td>\n

\n

\n(9)<\/p>\n<\/td>\n

\n

\n(4)<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nMerger-related expenses<\/p>\n<\/td>\n

\n

\n(13)<\/p>\n<\/td>\n

\n

\n\u2014<\/p>\n<\/td>\n

\n

\n\u2014<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nFDIC special assessment<\/p>\n<\/td>\n

\n

\n25<\/p>\n<\/td>\n

\n

\n6<\/p>\n<\/td>\n

\n

\n11<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nFifth Third Foundation contribution<\/p>\n<\/td>\n

\n

\n(50)<\/p>\n<\/td>\n

\n

\n\u2014<\/p>\n<\/td>\n

\n

\n(15)<\/p>\n<\/td>\n<\/tr>\n

\n

\nNoninterest expense excluding certain item(s)<\/p>\n<\/td>\n

\n

\n1,268<\/p>\n<\/td>\n

\n

\n1,264<\/p>\n<\/td>\n

\n

\n1,218<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\nNon-qualified deferred compensation (expense)\/benefit<\/p>\n<\/td>\n

\n

\n5<\/p>\n<\/td>\n

\n

\n(11)<\/p>\n<\/td>\n

\n

\n7<\/p>\n<\/td>\n<\/tr>\n

\n

\nAdjusted noninterest expense, excluding certain items and non-qualified deferred compensation (y)<\/p>\n<\/td>\n

\n

\n1,273<\/p>\n<\/td>\n

\n

\n1,253<\/p>\n<\/td>\n

\n

\n1,225<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\nAdjusted net income (r) + (t) + (u)<\/p>\n<\/td>\n

\n

\n755<\/p>\n<\/td>\n

\n

\n665<\/p>\n<\/td>\n

\n

\n652<\/p>\n<\/td>\n<\/tr>\n

\n

\nAdjusted net income (annualized) (z)<\/p>\n<\/td>\n

\n

\n2,995<\/p>\n<\/td>\n

\n

\n2,638<\/p>\n<\/td>\n

\n

\n2,594<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\nAdjusted tangible net income available to common shareholders (h) + (t) + (u)<\/p>\n<\/td>\n

\n

\n728<\/p>\n<\/td>\n

\n

\n629<\/p>\n<\/td>\n

\n

\n621<\/p>\n<\/td>\n<\/tr>\n

\n

\nAdjusted tangible net income available to common shareholders (annualized) (aa)<\/p>\n<\/td>\n

\n

\n2,888<\/p>\n<\/td>\n

\n

\n2,495<\/p>\n<\/td>\n

\n

\n2,470<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

Average assets (ab)<\/b><\/p>\n<\/td>\n

\n

\n$213,021<\/p>\n<\/td>\n

\n

\n$211,770<\/p>\n<\/td>\n

\n

\n$211,709<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\nReturn on average tangible common equity (i) \/ (j)<\/p>\n<\/td>\n

\n

\n19.0%<\/p>\n<\/td>\n

\n

\n17.3%<\/p>\n<\/td>\n

\n

\n18.4%<\/p>\n<\/td>\n<\/tr>\n

\n

\nReturn on average tangible common equity excluding AOCI (i) \/ (k)<\/p>\n<\/td>\n

\n

\n15.6%<\/p>\n<\/td>\n

\n

\n13.8%<\/p>\n<\/td>\n

\n

\n13.7%<\/p>\n<\/td>\n<\/tr>\n

\n

\nAdjusted return on average tangible common equity, including AOCI (aa) \/ (j)<\/p>\n<\/td>\n

\n

\n19.6%<\/p>\n<\/td>\n

\n

\n17.7%<\/p>\n<\/td>\n

\n

\n19.3%<\/p>\n<\/td>\n<\/tr>\n

\n

\nAdjusted return on average tangible common equity, excluding AOCI (aa) \/ (k)<\/p>\n<\/td>\n

\n

\n16.2%<\/p>\n<\/td>\n

\n

\n14.2%<\/p>\n<\/td>\n

\n

\n14.5%<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

Return on average assets (s) \/ (ab)<\/b><\/p>\n<\/td>\n

\n

\n1.36%<\/p>\n<\/td>\n

\n

\n1.21%<\/p>\n<\/td>\n

\n

\n1.17%<\/p>\n<\/td>\n<\/tr>\n

\n

\nAdjusted return on average assets (z) \/ (ab)<\/p>\n<\/td>\n

\n

\n1.41%<\/p>\n<\/td>\n

\n

\n1.25%<\/p>\n<\/td>\n

\n

\n1.23%<\/p>\n<\/td>\n<\/tr>\n

\n

\nEfficiency ratio (FTE) (x) \/ [(a) + (v)]<\/p>\n<\/td>\n

\n

\n55.8%<\/p>\n<\/td>\n

\n

\n54.9%<\/p>\n<\/td>\n

\n

\n56.4%<\/p>\n<\/td>\n<\/tr>\n

\n

\nAdjusted efficiency ratio (y) \/ [(a) + (w)]<\/p>\n<\/td>\n

\n

\n54.3%<\/p>\n<\/td>\n

\n

\n54.1%<\/p>\n<\/td>\n

\n

\n54.8%<\/p>\n<\/td>\n<\/tr>\n

\n

\nTotal revenue (FTE) (a) + (v)<\/p>\n<\/td>\n

\n

\n$2,344<\/p>\n<\/td>\n

\n

\n$2,306<\/p>\n<\/td>\n

\n

\n$2,175<\/p>\n<\/td>\n<\/tr>\n

\n

\nAdjusted total revenue (FTE) (a) + (w)<\/p>\n<\/td>\n

\n

\n$2,345<\/p>\n<\/td>\n

\n

\n$2,314<\/p>\n<\/td>\n

\n

\n$2,234<\/p>\n<\/td>\n<\/tr>\n

\n

\nPre-provision net revenue (PPNR) (a) + (v) – (x)<\/p>\n<\/td>\n

\n

\n$1,035<\/p>\n<\/td>\n

\n

\n$1,039<\/p>\n<\/td>\n

\n

\n$949<\/p>\n<\/td>\n<\/tr>\n

\n

\nAdjusted pre-provision net revenue (PPNR) (a) + (w) – (y)<\/p>\n<\/td>\n

\n

\n$1,072<\/p>\n<\/td>\n

\n

\n$1,061<\/p>\n<\/td>\n

\n

\n$1,009<\/p>\n<\/td>\n<\/tr>\n

\n

Totals may not foot due to rounding.<\/i><\/p>\n<\/td>\n<\/tr>\n

\n

(a) Assumes a 23% tax rate in 2024 and a 24% tax rate in 2025.<\/i><\/p>\n<\/td>\n<\/tr>\n

\n

(b) A portion of the adjustments related to merger-related expenses are not tax-deductible.<\/i><\/p>\n<\/td>\n<\/tr>\n<\/table>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
\n

Fifth Third Bancorp and Subsidiaries<\/b><\/p>\n<\/td>\n<\/tr>\n

\n

\nSegment Presentation(b)<\/sup><\/i><\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n$ in millions<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n(unaudited)<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\nFor the three months ended December 31, 2025<\/p>\n<\/td>\n

\n

Commercial
\n
Banking<\/b><\/p>\n<\/td>\n

\n

Consumer and
\n
Small Business
\n
Banking<\/b><\/p>\n<\/td>\n

\n

Wealth
\n
<\/b>and Asset
\n
Management<\/b><\/p>\n<\/td>\n

\n

General
\n
Corporate
\n
<\/b>and Other<\/b><\/p>\n<\/td>\n

\n

Total<\/b><\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\nNet interest income (FTE)(a)<\/sup><\/i><\/p>\n<\/td>\n

\n

\n$581<\/p>\n<\/td>\n

\n

\n$1,026<\/p>\n<\/td>\n

\n

\n$52<\/p>\n<\/td>\n

\n

\n$(126)<\/p>\n<\/td>\n

\n

\n$1,533<\/p>\n<\/td>\n<\/tr>\n

\n

\n(Provision for) benefit from credit losses<\/p>\n<\/td>\n

\n

\n(46)<\/p>\n<\/td>\n

\n

\n(84)<\/p>\n<\/td>\n

\n

\n\u2014<\/p>\n<\/td>\n

\n

\n11<\/p>\n<\/td>\n

\n

\n(119)<\/p>\n<\/td>\n<\/tr>\n

\n

\nNet interest income after (provision for) benefit from credit losses<\/p>\n<\/td>\n

\n

\n535<\/p>\n<\/td>\n

\n

\n942<\/p>\n<\/td>\n

\n

\n52<\/p>\n<\/td>\n

\n

\n(115)<\/p>\n<\/td>\n

\n

\n1,414<\/p>\n<\/td>\n<\/tr>\n

\n

\nNoninterest income<\/p>\n<\/td>\n

\n

\n386<\/p>\n<\/td>\n

\n

\n311<\/p>\n<\/td>\n

\n

\n111<\/p>\n<\/td>\n

\n

\n3<\/p>\n<\/td>\n

\n

\n811<\/p>\n<\/td>\n<\/tr>\n

\n

\nNoninterest expense<\/p>\n<\/td>\n

\n

\n(476)<\/p>\n<\/td>\n

\n

\n(645)<\/p>\n<\/td>\n

\n

\n(97)<\/p>\n<\/td>\n

\n

\n(91)<\/p>\n<\/td>\n

\n

\n(1,309)<\/p>\n<\/td>\n<\/tr>\n

\n

\nIncome (loss) before income taxes (FTE)(a)<\/sup><\/i><\/p>\n<\/td>\n

\n

\n$445<\/p>\n<\/td>\n

\n

\n$608<\/p>\n<\/td>\n

\n

\n$66<\/p>\n<\/td>\n

\n

\n$(203)<\/p>\n<\/td>\n

\n

\n$916<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\nFor the three months ended September 30, 2025<\/p>\n<\/td>\n

\n

Commercial
\n
Banking<\/b><\/p>\n<\/td>\n

\n

Consumer and
\n
Small Business
\n
Banking<\/b><\/p>\n<\/td>\n

\n

Wealth
\n
<\/b>and Asset
\n
Management<\/b><\/p>\n<\/td>\n

\n

General
\n
Corporate
\n
<\/b>and Other<\/b><\/p>\n<\/td>\n

\n

Total<\/b><\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\nNet interest income (FTE)(a)<\/sup><\/i><\/p>\n<\/td>\n

\n

\n$594<\/p>\n<\/td>\n

\n

\n$1,082<\/p>\n<\/td>\n

\n

\n$55<\/p>\n<\/td>\n

\n

\n$(206)<\/p>\n<\/td>\n

\n

\n$1,525<\/p>\n<\/td>\n<\/tr>\n

\n

\n(Provision for) benefit from credit losses<\/p>\n<\/td>\n

\n

\n(246)<\/p>\n<\/td>\n

\n

\n(73)<\/p>\n<\/td>\n

\n

\n\u2014<\/p>\n<\/td>\n

\n

\n122<\/p>\n<\/td>\n

\n

\n(197)<\/p>\n<\/td>\n<\/tr>\n

\n

\nNet interest income after (provision for) benefit from credit losses<\/p>\n<\/td>\n

\n

\n348<\/p>\n<\/td>\n

\n

\n1,009<\/p>\n<\/td>\n

\n

\n55<\/p>\n<\/td>\n

\n

\n(84)<\/p>\n<\/td>\n

\n

\n1,328<\/p>\n<\/td>\n<\/tr>\n

\n

\nNoninterest income<\/p>\n<\/td>\n

\n

\n357<\/p>\n<\/td>\n

\n

\n309<\/p>\n<\/td>\n

\n

\n109<\/p>\n<\/td>\n

\n

\n6<\/p>\n<\/td>\n

\n

\n781<\/p>\n<\/td>\n<\/tr>\n

\n

\nNoninterest expense<\/p>\n<\/td>\n

\n

\n(454)<\/p>\n<\/td>\n

\n

\n(653)<\/p>\n<\/td>\n

\n

\n(93)<\/p>\n<\/td>\n

\n

\n(67)<\/p>\n<\/td>\n

\n

\n(1,267)<\/p>\n<\/td>\n<\/tr>\n

\n

\nIncome (loss) before income taxes (FTE)(a)<\/sup><\/i><\/p>\n<\/td>\n

\n

\n$251<\/p>\n<\/td>\n

\n

\n$665<\/p>\n<\/td>\n

\n

\n$71<\/p>\n<\/td>\n

\n

\n$(145)<\/p>\n<\/td>\n

\n

\n$842<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\nFor the three months ended June 30, 2025<\/p>\n<\/td>\n

\n

Commercial
\n
Banking<\/b><\/p>\n<\/td>\n

\n

Consumer and
\n
Small Business
\n
Banking<\/b><\/p>\n<\/td>\n

\n

Wealth
\n
<\/b>and Asset
\n
Management<\/b><\/p>\n<\/td>\n

\n

General
\n
Corporate
\n
<\/b>and Other<\/b><\/p>\n<\/td>\n

\n

Total<\/b><\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\nNet interest income (FTE)(a)<\/sup><\/i><\/p>\n<\/td>\n

\n

\n$595<\/p>\n<\/td>\n

\n

\n$1,085<\/p>\n<\/td>\n

\n

\n$57<\/p>\n<\/td>\n

\n

\n$(237)<\/p>\n<\/td>\n

\n

\n$1,500<\/p>\n<\/td>\n<\/tr>\n

\n

\n(Provision for) benefit from credit losses<\/p>\n<\/td>\n

\n

\n(79)<\/p>\n<\/td>\n

\n

\n(84)<\/p>\n<\/td>\n

\n

\n2<\/p>\n<\/td>\n

\n

\n(12)<\/p>\n<\/td>\n

\n

\n(173)<\/p>\n<\/td>\n<\/tr>\n

\n

\nNet interest income after (provision for) benefit from credit losses<\/p>\n<\/td>\n

\n

\n516<\/p>\n<\/td>\n

\n

\n1,001<\/p>\n<\/td>\n

\n

\n59<\/p>\n<\/td>\n

\n

\n(249)<\/p>\n<\/td>\n

\n

\n1,327<\/p>\n<\/td>\n<\/tr>\n

\n

\nNoninterest income<\/p>\n<\/td>\n

\n

\n321<\/p>\n<\/td>\n

\n

\n293<\/p>\n<\/td>\n

\n

\n101<\/p>\n<\/td>\n

\n

\n35<\/p>\n<\/td>\n

\n

\n750<\/p>\n<\/td>\n<\/tr>\n

\n

\nNoninterest expense<\/p>\n<\/td>\n

\n

\n(453)<\/p>\n<\/td>\n

\n

\n(646)<\/p>\n<\/td>\n

\n

\n(95)<\/p>\n<\/td>\n

\n

\n(70)<\/p>\n<\/td>\n

\n

\n(1,264)<\/p>\n<\/td>\n<\/tr>\n

\n

\nIncome (loss) before income taxes (FTE)(a)<\/sup><\/i><\/p>\n<\/td>\n

\n

\n$384<\/p>\n<\/td>\n

\n

\n$648<\/p>\n<\/td>\n

\n

\n$65<\/p>\n<\/td>\n

\n

\n$(284)<\/p>\n<\/td>\n

\n

\n$813<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\nFor the three months ended March 31, 2025<\/p>\n<\/td>\n

\n

Commercial
\n
Banking<\/b><\/p>\n<\/td>\n

\n

Consumer and
\n
Small Business
\n
Banking<\/b><\/p>\n<\/td>\n

\n

Wealth
\n
<\/b>and Asset
\n
Management<\/b><\/p>\n<\/td>\n

\n

General
\n
Corporate
\n
<\/b>and Other<\/b><\/p>\n<\/td>\n

\n

Total<\/b><\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\nNet interest income (FTE)(a)<\/sup><\/i><\/p>\n<\/td>\n

\n

\n$552<\/p>\n<\/td>\n

\n

\n$975<\/p>\n<\/td>\n

\n

\n$49<\/p>\n<\/td>\n

\n

\n$(134)<\/p>\n<\/td>\n

\n

\n$1,442<\/p>\n<\/td>\n<\/tr>\n

\n

\nProvision for credit losses<\/p>\n<\/td>\n

\n

\n(80)<\/p>\n<\/td>\n

\n

\n(84)<\/p>\n<\/td>\n

\n

\n\u2014<\/p>\n<\/td>\n

\n

\n(10)<\/p>\n<\/td>\n

\n

\n(174)<\/p>\n<\/td>\n<\/tr>\n

\n

\nNet interest income after provision for credit losses<\/p>\n<\/td>\n

\n

\n472<\/p>\n<\/td>\n

\n

\n891<\/p>\n<\/td>\n

\n

\n49<\/p>\n<\/td>\n

\n

\n(144)<\/p>\n<\/td>\n

\n

\n1,268<\/p>\n<\/td>\n<\/tr>\n

\n

\nNoninterest income<\/p>\n<\/td>\n

\n

\n301<\/p>\n<\/td>\n

\n

\n281<\/p>\n<\/td>\n

\n

\n109<\/p>\n<\/td>\n

\n

\n3<\/p>\n<\/td>\n

\n

\n694<\/p>\n<\/td>\n<\/tr>\n

\n

\nNoninterest expense<\/p>\n<\/td>\n

\n

\n(511)<\/p>\n<\/td>\n

\n

\n(650)<\/p>\n<\/td>\n

\n

\n(106)<\/p>\n<\/td>\n

\n

\n(37)<\/p>\n<\/td>\n

\n

\n(1,304)<\/p>\n<\/td>\n<\/tr>\n

\n

\nIncome (loss) before income taxes (FTE)(a)<\/sup><\/i><\/p>\n<\/td>\n

\n

\n$262<\/p>\n<\/td>\n

\n

\n$522<\/p>\n<\/td>\n

\n

\n$52<\/p>\n<\/td>\n

\n

\n$(178)<\/p>\n<\/td>\n

\n

\n$658<\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\nFor the three months ended December 31, 2024<\/p>\n<\/td>\n

\n

Commercial
\n
Banking<\/b><\/p>\n<\/td>\n

\n

Consumer and
\n
Small Business
\n
Banking<\/b><\/p>\n<\/td>\n

\n

Wealth
\n
<\/b>and Asset
\n
Management<\/b><\/p>\n<\/td>\n

\n

General
\n
Corporate
\n
<\/b>and Other<\/b><\/p>\n<\/td>\n

\n

Total<\/b><\/p>\n<\/td>\n<\/tr>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n

\n

\n\u00a0<\/p>\n<\/td>\n<\/tr>\n

\n

\nNet interest income (FTE)(a)<\/sup><\/i><\/p>\n<\/td>\n

\n

\n$598<\/p>\n<\/td>\n

\n

\n$984<\/p>\n<\/td>\n

\n

\n$48<\/p>\n<\/td>\n

\n

\n$(187)<\/p>\n<\/td>\n

\n

\n$1,443<\/p>\n<\/td>\n<\/tr>\n

\n

\nProvision for credit losses<\/p>\n<\/td>\n

\n

\n(21)<\/p>\n<\/td>\n

\n

\n(89)<\/p>\n<\/td>\n

\n

\n\u2014<\/p>\n<\/td>\n

\n

\n(69)<\/p>\n<\/td>\n

\n

\n(179)<\/p>\n<\/td>\n<\/tr>\n

\n

\nNet interest income after provision for credit losses<\/p>\n<\/td>\n

\n

\n577<\/p>\n<\/td>\n

\n

\n895<\/p>\n<\/td>\n

\n

\n48<\/p>\n<\/td>\n

\n

\n(256)<\/p>\n<\/td>\n

\n

\n1,264<\/p>\n<\/td>\n<\/tr>\n

\n

\nNoninterest income<\/p>\n<\/td>\n

\n

\n373<\/p>\n<\/td>\n

\n

\n278<\/p>\n<\/td>\n

\n

\n103<\/p>\n<\/td>\n

\n

\n(22)<\/p>\n<\/td>\n

\n

\n732<\/p>\n<\/td>\n<\/tr>\n

\n

\nNoninterest expense<\/p>\n<\/td>\n

\n

\n(452)<\/p>\n<\/td>\n

\n

\n(617)<\/p>\n<\/td>\n

\n

\n(94)<\/p>\n<\/td>\n

\n

\n(63)<\/p>\n<\/td>\n

\n

\n(1,226)<\/p>\n<\/td>\n<\/tr>\n

\n

\nIncome (loss) before income taxes (FTE)(a)<\/sup><\/i><\/p>\n<\/td>\n

\n

\n$498<\/p>\n<\/td>\n

\n

\n$556<\/p>\n<\/td>\n

\n

\n$57<\/p>\n<\/td>\n

\n

\n$(341)<\/p>\n<\/td>\n

\n

\n$770<\/p>\n<\/td>\n<\/tr>\n

\n

(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.<\/i><\/p>\n<\/td>\n<\/tr>\n

\n

(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.<\/i><\/p>\n<\/td>\n<\/tr>\n<\/table>\n

\nCategory: Earnings<\/p>\n

\"\"<\/p>\n

View source version on businesswire.com: <\/span>https:\/\/www.businesswire.com\/news\/home\/20260118495866\/en\/<\/a><\/span><\/p>\n

\nInvestor contact: Matt Curoe (513) 534-2345 | Media contact: Jennifer Hendricks Sullivan (614) 744-7693<\/p>\n

KEYWORDS:<\/b> Ohio United States North America<\/p>\n

INDUSTRY KEYWORDS:<\/b> Banking Asset Management Professional Services Finance<\/p>\n

MEDIA:<\/b><\/p>\n\n\n\n\n
Logo<\/b><\/font><\/td>\n<\/tr>\n
\"Logo\"<\/td>\n<\/tr>\n
<\/font><\/td>\n<\/tr>\n<\/table>\n","protected":false},"excerpt":{"rendered":"

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 CINCINNATI–(BUSINESS WIRE)– Fifth Third Bancorp (NASDAQ: FITB): \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 Key Financial Data \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 Key Highlights \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 $ in millions for all balance sheet and income statement items \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 4Q25 \u00a0 3Q25 \u00a0 4Q24 \u00a0 Stability: Net charge-offs(b) of 40 bps in 4Q25; Commercial net charge-offs(b) of 27 bps … <\/p>\n

Continue reading “Fifth Third Bancorp Reports Fourth Quarter 2025 Diluted Earnings Per Share of $1.04”<\/span><\/a><\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[],"tags":[],"class_list":["post-928466","post","type-post","status-publish","format-standard","hentry"],"yoast_head":"\nFifth Third Bancorp Reports Fourth Quarter 2025 Diluted Earnings Per Share of $1.04 - Market Newsdesk<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.marketnewsdesk.com\/index.php\/fifth-third-bancorp-reports-fourth-quarter-2025-diluted-earnings-per-share-of-1-04\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Fifth Third Bancorp Reports Fourth Quarter 2025 Diluted Earnings Per Share of $1.04 - Market Newsdesk\" \/>\n<meta property=\"og:description\" content=\"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 CINCINNATI–(BUSINESS WIRE)– Fifth Third Bancorp (NASDAQ: FITB): \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 Key Financial Data \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 Key Highlights \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 $ in millions for all balance sheet and income statement items \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 4Q25 \u00a0 3Q25 \u00a0 4Q24 \u00a0 Stability: Net charge-offs(b) of 40 bps in 4Q25; Commercial net charge-offs(b) of 27 bps … Continue reading "Fifth Third Bancorp Reports Fourth Quarter 2025 Diluted Earnings Per Share of $1.04"\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.marketnewsdesk.com\/index.php\/fifth-third-bancorp-reports-fourth-quarter-2025-diluted-earnings-per-share-of-1-04\/\" \/>\n<meta property=\"og:site_name\" content=\"Market Newsdesk\" \/>\n<meta property=\"article:published_time\" content=\"2026-01-20T11:33:29+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/cts.businesswire.com\/ct\/CT?id=bwnews&sty=20260118495866r1&sid=flmnd&distro=nx&lang=en\" \/>\n<meta name=\"author\" content=\"Newsdesk\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Newsdesk\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"44 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/index.php\\\/fifth-third-bancorp-reports-fourth-quarter-2025-diluted-earnings-per-share-of-1-04\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/index.php\\\/fifth-third-bancorp-reports-fourth-quarter-2025-diluted-earnings-per-share-of-1-04\\\/\"},\"author\":{\"name\":\"Newsdesk\",\"@id\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/#\\\/schema\\\/person\\\/482f27a394d4fda80ecb5499e519d979\"},\"headline\":\"Fifth Third Bancorp Reports Fourth Quarter 2025 Diluted Earnings Per Share of $1.04\",\"datePublished\":\"2026-01-20T11:33:29+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/index.php\\\/fifth-third-bancorp-reports-fourth-quarter-2025-diluted-earnings-per-share-of-1-04\\\/\"},\"wordCount\":8753,\"image\":{\"@id\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/index.php\\\/fifth-third-bancorp-reports-fourth-quarter-2025-diluted-earnings-per-share-of-1-04\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/cts.businesswire.com\\\/ct\\\/CT?id=bwnews&sty=20260118495866r1&sid=flmnd&distro=nx&lang=en\",\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/index.php\\\/fifth-third-bancorp-reports-fourth-quarter-2025-diluted-earnings-per-share-of-1-04\\\/\",\"url\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/index.php\\\/fifth-third-bancorp-reports-fourth-quarter-2025-diluted-earnings-per-share-of-1-04\\\/\",\"name\":\"Fifth Third Bancorp Reports Fourth Quarter 2025 Diluted Earnings Per Share of $1.04 - 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