Form 8-K

8-K — FIFTH THIRD BANCORP

Accession: 0000035527-26-000193

Filed: 2026-07-17

Period: 2026-07-17

CIK: 0000035527

SIC: 6022 (STATE COMMERCIAL BANKS)

Item: Results of Operations and Financial Condition

Item: Regulation FD Disclosure

Item: Financial Statements and Exhibits

Documents

8-K — fitb-20260717.htm (Primary)

EX-99.1 (q22026earningsrelease.htm)

EX-99.2 (fifththirdbancorppresent.htm)

GRAPHIC (fitb-20260717_g1.jpg)

GRAPHIC (a53_logoxhorizontalxfullco.jpg)

GRAPHIC (fifththirdbancorppresent001.jpg)

GRAPHIC (fifththirdbancorppresent002.jpg)

GRAPHIC (fifththirdbancorppresent003.jpg)

GRAPHIC (fifththirdbancorppresent004.jpg)

GRAPHIC (fifththirdbancorppresent005.jpg)

GRAPHIC (fifththirdbancorppresent006.jpg)

GRAPHIC (fifththirdbancorppresent007.jpg)

GRAPHIC (fifththirdbancorppresent008.jpg)

GRAPHIC (fifththirdbancorppresent009.jpg)

GRAPHIC (fifththirdbancorppresent010.jpg)

GRAPHIC (fifththirdbancorppresent011.jpg)

GRAPHIC (fifththirdbancorppresent012.jpg)

GRAPHIC (fifththirdbancorppresent013.jpg)

GRAPHIC (fifththirdbancorppresent014.jpg)

GRAPHIC (fifththirdbancorppresent015.jpg)

GRAPHIC (fifththirdbancorppresent016.jpg)

GRAPHIC (fifththirdbancorppresent017.jpg)

GRAPHIC (fifththirdbancorppresent018.jpg)

GRAPHIC (fifththirdbancorppresent019.jpg)

GRAPHIC (fifththirdbancorppresent020.jpg)

GRAPHIC (fifththirdbancorppresent021.jpg)

GRAPHIC (fifththirdbancorppresent022.jpg)

GRAPHIC (fifththirdbancorppresent023.jpg)

GRAPHIC (fifththirdbancorppresent024.jpg)

GRAPHIC (fifththirdbancorppresent025.jpg)

GRAPHIC (fifththirdbancorppresent026.jpg)

GRAPHIC (fifththirdbancorppresent027.jpg)

GRAPHIC (fifththirdbancorppresent028.jpg)

GRAPHIC (fifththirdbancorppresent029.jpg)

GRAPHIC (fifththirdbancorppresent030.jpg)

GRAPHIC (fifththirdbancorppresent031.jpg)

GRAPHIC (fifththirdbancorppresent032.jpg)

GRAPHIC (fifththirdbancorppresent033.jpg)

GRAPHIC (fifththirdbancorppresent034.jpg)

GRAPHIC (fifththirdbancorppresent035.jpg)

GRAPHIC (fifththirdbancorppresent036.jpg)

GRAPHIC (fifththirdbancorppresent037.jpg)

GRAPHIC (fifththirdbancorppresent038.jpg)

GRAPHIC (fifththirdbancorppresent039.jpg)

GRAPHIC (fifththirdbancorppresent040.jpg)

GRAPHIC (fifththirdbancorppresent041.jpg)

GRAPHIC (fifththirdbancorppresent042.jpg)

GRAPHIC (fifththirdbancorppresent043.jpg)

GRAPHIC (fifththirdbancorppresent044.jpg)

GRAPHIC (fifththirdbancorppresent045.jpg)

XML — IDEA: XBRL DOCUMENT (R1.htm)

8-K

8-K (Primary)

Filename: fitb-20260717.htm · Sequence: 1

fitb-20260717

false000003552700000355272026-07-172026-07-170000035527us-gaap:CommonStockMember2026-07-172026-07-170000035527fitb:DepositarySharesRepresentingA11000thOwnershipInterestInAShareOf6.625FixedToFloatingRateNotCumulativePerpetualPreferredStockSeriesIMember2026-07-172026-07-170000035527fitb:DepositarySharesRepresentingA140thOwnershipInterestInAShareOf6.00NotCumulativePerpetualClassBPreferredStockSeriesAMember2026-07-172026-07-170000035527fitb:DepositarySharesRepresentingA11000thOwnershipInterestInAShareOf4.95NotCumulativePerpetualPreferredStockSeriesKMember2026-07-172026-07-170000035527fitb:DepositarySharesRepresentingA140thOwnershipInterestInAShareOf6.875FixedRateResetNonCumulativePerpetualPreferredStockSeriesMMember2026-07-172026-07-17

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, DC 20549

FORM 8-K

CURRENT REPORT

PURSUANT TO SECTION 13 OR 15(D)

OF THE SECURITIES EXCHANGE ACT OF 1934

Date of report (Date of earliest event reported): July 17, 2026

Fifth Third Bancorp

(Exact name of registrant as specified in its charter)

Ohio 001-33653 31-0854434

(State or other jurisdiction

of incorporation) (Commission

File Number) (IRS Employer

Identification No.)

Fifth Third Center

38 Fountain Square Plaza , Cincinnati , Ohio 45263

(Address of Principal Executive Offices) (Zip Code)

(800) 972-3030

(Registrant's telephone number, including area code)

Not Applicable

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

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

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

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

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

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

Securities registered pursuant to Section 12(b) of the Act:

Title of each class Trading

Symbol(s) Name of each exchange on which registered

Common Stock, Without Par Value FITB New York Stock Exchange

Depositary Shares Representing a 1/1000th Ownership Interest in a Share of

6.625% Fixed-to-Floating Rate Non-Cumulative Perpetual Preferred Stock, Series I FITB PrI New York Stock Exchange

Depositary Shares Representing a 1/40th Ownership Interest in a Share of

6.00% Non-Cumulative Perpetual Class B Preferred Stock, Series A FITB PrA New York Stock Exchange

Depositary Shares Representing a 1/1000th Ownership Interest in a Share of

4.95% Non-Cumulative Perpetual Preferred Stock, Series K FITB PrK New York Stock Exchange

Depositary Shares Representing a 1/40th Ownership Interest in a Share of

6.875% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series M FITB PrM New York Stock Exchange

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

Emerging growth company ☐

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

Item 2.02 Results of Operations and Financial Condition.

On July 17, 2026, Fifth Third Bancorp issued a press release announcing its earnings release for the second quarter of 2026. A copy of this press release is attached as Exhibit 99.1. This information is furnished under both Item 2.02 Results of Operations and Financial Condition and Item 7.01 Regulation FD Disclosure.

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

Item 7.01 Regulation FD Disclosure.

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

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

Item 9.01 Financial Statements and Exhibits

Exhibit 99.1 – Press release dated July 17, 2026

Exhibit 99.2 – Second Quarter 2026 Earnings Presentation

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

SIGNATURES

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

FIFTH THIRD BANCORP

(Registrant)

Date: July 17, 2026

/s/ Bryan D. Preston

Bryan D. Preston

Executive Vice President and

Chief Financial Officer

EX-99.1

Filename: q22026earningsrelease.htm · Sequence: 2

Document

Fifth Third Bancorp Reports Second Quarter 2026 Earnings

Organic momentum and integration progress advance the earnings power of the combined company

Reported EPS of $0.83; adjusted EPS(a) of $1.02 excludes $0.19 of certain items on page 2

Key Financial Data Key Highlights

$ in millions for all balance sheet and income statement items

2Q26

1Q26

2Q25

Stability:

•Strong credit performance. Net charge-offs(b) of 30 bps in 2Q26, the lowest level since 2Q23

•Interest-bearing deposit costs decreased 2 bps sequentially to 2.13%

•Tangible common equity(a) increased 43 bps year-over-year

Profitability:

•Net interest margin(a) expanded 6 bps sequentially

•Adjusted ROTCE(a) improved 100 bps and adjusted ROA(a) improved 9 bps year-over- year

•Disciplined expense management; adjusted efficiency ratio(a) of 57.1% improved 480 bps sequentially

Growth:

•Delivered $2.5 billion of consumer deposits from the Comerica Southwest marketing campaign

•Newline deposits up $2.1 billion and fee revenues up 35% year-over-year

•Legacy Fifth Third consumer household growth of 3%, including 7% in the Southeast

Income Statement Data

Net income available to common shareholders $763 $128 $591

Net interest income (U.S. GAAP) 2,215 1,934 1,495

Net interest income (FTE)(a)

2,220 1,939 1,500

Noninterest income 1,059 895 750

Noninterest expense 2,109 2,395 1,264

Per Share Data

Earnings per share, basic $0.84 $0.16 $0.88

Earnings per share, diluted 0.83 0.15 0.88

Book value per share 35.56 35.24 28.47

Tangible book value per share(a)

23.15 22.88 20.98

Balance Sheet & Credit Quality

Average portfolio loans and leases $177,572 $157,632 $123,071

Average deposits 231,506 209,352 163,575

Accumulated other comprehensive loss (3,345) (3,234) (3,546)

Net charge-off ratio(b)

0.30 % 0.37 % 0.45 %

Nonperforming asset ratio(c)

0.60 0.57 0.72

Financial Ratios

Return on average assets 1.08 % 0.25 % 1.20 %

Return on average common equity 9.5 1.8 12.8

Return on average tangible common equity(a)

15.6 3.5 17.6

CET1 capital(d)

9.93 9.89 10.58

Net interest margin(a)

3.36 3.30 3.12

Efficiency(a)

64.3 84.5 56.2

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.

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

Fifth Third's second quarter was another step toward the earnings power we committed to deliver by year-end. Our core business continues to grow, with momentum across our fee businesses, led by wealth and asset management, commercial payments, and capital markets. The results were higher returns and tangible book value per share growth. Our balance sheet is well-positioned, supporting net interest margin expansion and improved credit performance.

The Comerica integration remains on track. Systems conversion is scheduled for Labor Day weekend and is the final step to unlocking the full run-rate of our expected cost synergies. Revenue synergies are emerging across our expanded footprint. Our deposit campaigns in the Comerica Southwest markets delivered results above our internal targets, and end-of-period commercial loan growth was broad-based across legacy geographies and specialty verticals.

Our capital generation supports both reinvestment in the business and consistent returns to shareholders. Investments in deposits, payments, technology, and high-growth markets are increasingly visible in our results. We are building a Fifth Third that is not just larger, but is better and more resilient. We will continue to be guided by our operating priorities of stability, profitability, and growth – in that order.

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

Income Statement Highlights

($ in millions, except per share data) For the Three Months Ended % Change

June March June

2026 2026 2025 Seq Yr/Yr

Condensed Statements of Income

Net interest income (NII)(a)

$2,220 $1,939 $1,500 14% 48%

Provision for credit losses 129 227 173 (43)% (25)%

Noninterest income 1,059 895 750 18% 41%

Noninterest expense 2,109 2,395 1,264 (12)% 67%

Income before income taxes(a)

$1,041 $212 $813 391% 28%

Taxable equivalent adjustment $5 $5 $5 — —

Applicable income tax expense 235 42 180 460% 31%

Net income $801 $165 $628 385% 28%

Dividends on preferred stock 38 37 37 3% 3%

Net income available to common shareholders $763 $128 $591 496% 29%

Earnings per share, diluted $0.83 $0.15 $0.88 453% (6)%

Fifth Third Bancorp (NYSE: FITB) today reported second quarter 2026 net income available to common shareholders of $763 million, or $0.83 per diluted share, compared to $128 million, or $0.15 per diluted share, in the prior quarter and $591 million, or $0.88 per diluted share, in the year-ago quarter.

The second quarter of 2026 marked an important milestone for Fifth Third, surpassing $300 billion in total assets and formally becoming a Category III institution. Fifth Third has been preparing for a Category III transition over multiple years through sustained investments in risk, capital, liquidity, and regulatory reporting and is well-positioned to meet all Category III requirements on or before required dates.

Diluted earnings per share impact of certain item(s) - 2Q26

(after-tax impact; $ in millions, except per share data)

Merger-related charges(e)1,2

$(155)

Securities repositioning losses(e)

(8)

Technology-related asset impairments(e)

(5)

Severance expense(e)

(5)

Interchange litigation matters(e)3

(2)

After-tax impact of certain item(s)

$(175)

Diluted earnings per share impact of certain item(s)4

$(0.19)

Totals may not foot due to rounding; 1A portion of the adjustments related to merger-related expenses are not tax-deductible; 2Pre-tax merger-related charges increased noninterest expense by $203 million; 3Interchange litigation matters increased noninterest expense by $1 million and decreased noninterest income by $1 million; 4Diluted earnings per share impact reflects 915.959 million average diluted shares outstanding

Net Interest Income

(FTE; $ in millions)(a)

For the Three Months Ended % Change

June March June

2026 2026 2025 Seq Yr/Yr

Interest Income

Interest income $3,377 $2,977 $2,489 13% 36%

Interest expense 1,157 1,038 989 11% 17%

Net interest income (NII) $2,220 $1,939 $1,500 14% 48%

Average Yield/Rate Analysis bps Change

Yield on interest-earning assets 5.11 % 5.07 % 5.18 % 4 (7)

Rate paid on interest-bearing liabilities 2.44 % 2.44 % 2.78 % — (34)

Ratios

Net interest rate spread 2.67 % 2.63 % 2.40 % 4 27

Net interest margin (NIM)

3.36 % 3.30 % 3.12 % 6 24

Net interest income (FTE) of $2.220 billion increased 14% sequentially and 48% year-over-year. Both increases primarily reflect the addition of Comerica for a full-quarter. Organic loan production, continued fixed-rate asset repricing, and disciplined liability management also contributed to this growth. Net interest margin expanded 6 bps sequentially to 3.36% due to merger impacts, higher earning asset yields, and improved deposit pricing. Consumer deposits grew $4.6 billion as we continue to re-mix toward a more granular deposit base, which contributed to the 2 bps decrease in interest-bearing deposit costs.

Noninterest Income

($ in millions) For the Three Months Ended % Change

June March June

2026 2026 2025 Seq Yr/Yr

Noninterest Income

Wealth and asset management revenue $256 $233 $166 10% 54%

Commercial payments revenue 254 218 152 17% 67%

Consumer banking revenue 161 146 147 10% 10%

Capital markets fees 154 134 90 15% 71%

Commercial banking revenue 125 105 79 19% 58%

Mortgage banking net revenue 39 44 56 (11)% (30)%

Other noninterest income 50 27 44 85% 14%

Securities gains/(losses), net 20 (12) 16 NM 25%

Total noninterest income $1,059 $895 $750 18% 41%

Noninterest income of $1.059 billion increased $164 million, or 18% sequentially and $309 million, or 41%, year-over-year. The reported results reflect the impact of certain items in the table below, including securities gains/losses which incorporate the mark-to-market impacts from securities tied to non-qualified deferred compensation plans, which are offset in noninterest expense. Securities repositioning losses of approximately $10 million reflect active portfolio management resulting in opportunistically repositioning $4 billion of notional short-duration securities to accelerate cash flow reinvestment, enhance net interest income and reduce down-rate risk sensitivity.

Noninterest Income excluding certain items

($ in millions) For the Three Months Ended % Change

June March June

2026 2026 2025 Seq Yr/Yr

Noninterest Income excluding certain items

Noninterest income (U.S. GAAP) $1,059 $895 $750

Interchange litigation matters 1 (8) 1

Merger-related charges — 22 —

Securities repositioning losses 10 — —

Other securities (gains)/losses, net (30) 12 (16)

Noninterest income excluding certain items(a)

$1,040 $921 $735 13% 41%

Noninterest income excluding certain items of $1.040 billion increased $119 million, or 13%, compared to the prior quarter and increased $305 million, or 41%, from the year-ago quarter.

Growth was driven by the full-quarter contribution from Comerica and momentum across our fee businesses. Wealth and asset management revenue of $256 million benefited from higher personal asset management revenue, 8% sequential assets under management growth, and favorable market performance, partially offset by the seasonal decline in tax‑related revenue from first-quarter highs. Commercial payments revenue of $254 million reflected continued strength in core treasury services and Newline. Capital markets fees of $154 million were led by client financial risk management and loan syndication activity. Commercial banking revenue of $125 million was driven by higher commercial lending-related activity and mortgage banking net revenue of $39 million declined on lower gains on loan sales.

Noninterest Expense

($ in millions) For the Three Months Ended % Change

June March June

2026 2026 2025 Seq Yr/Yr

Noninterest Expense

Compensation and benefits $1,129 $1,410 $698 (20)% 62%

Technology and communications 250 204 126 23% 98%

Net occupancy expense 154 140 83 10% 86%

Card and processing expense 66 79 22 (16)% 200%

Equipment expense 60 55 41 9% 46%

Loan and lease expense 53 42 36 26% 47%

Marketing expense 65 50 43 30% 51%

Other noninterest expense 332 415 215 (20)% 54%

Total noninterest expense $2,109 $2,395 $1,264 (12)% 67%

Noninterest expense of $2.109 billion decreased 12% from the prior quarter and increased 67% from the year-ago quarter. The reported results reflect the impact of certain items in the table below.

Noninterest Expense excluding certain item(s)

($ in millions) For the Three Months Ended % Change

June March June

2026 2026 2025 Seq Yr/Yr

Noninterest Expense excluding certain item(s)

Noninterest expense (U.S. GAAP) $2,109 $2,395 $1,264

Merger-related charges (203) (635) —

Technology-related asset impairments (7) — —

Severance expense (7) — (15)

Interchange litigation matters (1) — —

Noninterest expense excluding certain item(s)(a)

$1,891 $1,760 $1,249 7% 51%

Non-qualified deferred compensation (expense)/benefit (30) 9 (16)

Noninterest expense excluding certain item(s) and non-qualified deferred compensation(a)

$1,861 $1,769 $1,233 5% 51%

Noninterest expense excluding certain items and non-qualified deferred compensation of $1.861 billion increased 5% sequentially and 51% year-over-year. Sequential growth reflected the full-quarter contribution from Comerica, higher technology and communications expense tied to integration activity, and elevated marketing spend supporting the Comerica deposit campaign, partially offset by lower compensation and benefits.

Year-to-date merger-related charges represent approximately 65% of the expected full-year total, consistent with our integration timeline.

Average Interest-Earning Assets

($ in millions) For the Three Months Ended % Change

June March June

2026 2026 2025 Seq Yr/Yr

Average Portfolio Loans and Leases

Commercial loans and leases:

Commercial and industrial loans $84,967 $73,264 $54,075 16% 57%

Commercial mortgage loans 27,176 21,969 12,410 24% 119%

Commercial construction loans 8,437 7,278 5,810 16% 45%

Commercial leases 3,503 3,347 3,120 5% 12%

Total commercial loans and leases $124,083 $105,858 $75,415 17% 65%

Consumer loans:

Residential mortgage loans $19,626 $18,848 $17,615 4% 11%

Home equity 6,830 6,064 4,383 13% 56%

Indirect secured consumer loans 18,239 18,105 17,248 1% 6%

Credit card 1,646 1,659 1,659 (1)% (1)%

Solar energy installation loans 4,384 4,516 4,268 (3)% 3%

Other consumer loans 2,764 2,582 2,483 7% 11%

Total consumer loans $53,489 $51,774 $47,656 3% 12%

Total average portfolio loans and leases $177,572 $157,632 $123,071 13% 44%

Average Loans and Leases Held for Sale

Commercial loans and leases held for sale $399 $85 $45 369% 787%

Consumer loans held for sale 736 566 541 30% 36%

Total average loans and leases held for sale $1,135 $651 $586 74% 94%

Total average loans and leases $178,707 $158,283 $123,657 13% 45%

Securities (taxable and tax-exempt) $67,924 $59,950 $56,243 13% 21%

Other short-term investments 18,358 19,728 12,782 (7)% 44%

Total average interest-earning assets $264,989 $237,961 $192,682 11% 38%

Total average portfolio loans and leases of $178 billion increased 13% sequentially and 44% year-over-year. Growth in both periods reflected the full-quarter contribution from Comerica, as well as underlying commercial loan momentum.

Within the total, average commercial portfolio loans and leases of $124 billion grew 17% sequentially and 65% year-over-year, while average consumer portfolio loans of $53 billion grew 3% sequentially and 12% year-over-year, primarily reflecting growth in residential mortgage and home equity balances.

Average securities (taxable and tax-exempt; amortized cost) of $68 billion increased 13% sequentially and 21% year-over-year, reflecting the addition of Comerica's securities portfolio and ongoing reinvestment activity. Average other short-term investments (including interest-bearing cash) of $18 billion decreased 7% sequentially and increased 44% year-over-year. The sequential decline primarily reflected the continued repositioning of the Comerica securities portfolio, seasonal deposit trends and loan growth.

End of Period Interest-Earning Assets

($ in millions) As of % Change

June March June

2026 2026 2025 Seq Yr/Yr

End of Period Portfolio Loans and Leases

Total commercial loans and leases $124,880 $122,859 $74,152 2% 68%

Total consumer loans 53,648 53,391 48,244 — 11%

Total portfolio loans and leases $178,528 $176,250 $122,396 1% 46%

End of Period Loans and Leases Held for Sale

Total loans and leases held for sale $866 $1,365 $646 (37)% 34%

Total loans and leases $179,394 $177,615 $123,042 1% 46%

Securities (taxable and tax-exempt) $68,332 $67,823 $55,109 1% 24%

Other short-term investments 19,350 17,456 13,043 11% 48%

Total interest-earning assets $267,076 $262,894 $191,194 2% 40%

Period-end commercial portfolio loans and leases of $125 billion increased 2% sequentially and 68% year-over-year. Sequential growth was led by C&I, reflecting strong origination activity across corporate banking and middle market, partially offset by elevated payoffs.

Period-end consumer portfolio loans of $54 billion were flat sequentially and increased 11% year-over-year. Sequentially, continued momentum in home equity and growth in residential mortgage were offset by declines in indirect secured consumer and solar energy installation balances.

Total period-end securities (taxable and tax-exempt; amortized cost) of $68 billion increased 1% sequentially and 24% year-over-year. Period-end other short-term investments of $19 billion increased 11% sequentially and increased 48% year-over-year. The sequential increase primarily reflects the reversal of seasonal deposit trends experienced earlier in the quarter.

Average Deposits

($ in millions) For the Three Months Ended % Change

June March June

2026 2026 2025 Seq Yr/Yr

Average Deposits

Demand $63,976 $55,770 $40,885 15% 56%

Interest checking 70,507 67,369 56,738 5% 24%

Savings 18,430 17,546 16,962 5% 9%

Money market

63,200 54,219 36,296 17% 74%

Total transaction deposits $216,113 $194,904 $150,881 11% 43%

CDs $250,000 or less

12,403 11,641 10,494 7% 18%

Total core deposits $228,516 $206,545 $161,375 11% 42%

CDs over $250,0001

2,990 2,807 2,200 7% 36%

Total average deposits $231,506 $209,352 $163,575 11% 42%

1CDs over $250,000 includes $0.1BN, $0.4BN, and $1.1BN of retail brokered certificates of deposit which are fully covered by FDIC insurance for the three months ended 6/30/26, 3/31/26, and 6/30/25, respectively.

Total average deposits of $232 billion increased 11% sequentially and 42% year-over-year. Period-end total deposits of $234 billion were flat sequentially and up 43% year-over-year.

Period-end consumer deposits grew $4.6 billion in the quarter, supported by outperformance from the Comerica retail deposit campaign, and were largely offset by the intentional reduction of higher-cost, non-relationship commercial deposits. This mix shift is consistent with the strategy to increase granular consumer deposits.

The period-end portfolio loan-to-core deposit ratio was 77%, compared to 76% in both the prior and year-ago quarters, reflecting balanced growth in loans and deposits.

Average Wholesale Funding

($ in millions) For the Three Months Ended % Change

June March June

2026 2026 2025 Seq Yr/Yr

Average Wholesale Funding

CDs over $250,0001

$2,990 $2,807 $2,200 7% 36%

Federal funds purchased 160 178 206 (10)% (22)%

Securities sold under repurchase agreements 444 322 353 38% 26%

FHLB advances 3,437 99 4,976 NM (31)%

Derivative collateral and other secured borrowings 64 83 89 (23)% (28)%

Long-term debt 18,817 18,062 14,599 4% 29%

Total average wholesale funding $25,912 $21,551 $22,423 20% 16%

Average wholesale funding of $26 billion increased 20% sequentially, driven primarily by a $3.3 billion increase in short-term FHLB advances used to bridge the seasonal trough in commercial deposit balances.

Compared to the year-ago quarter, average wholesale funding increased 16%, driven by a $4.2 billion increase in long-term debt associated with the Comerica acquisition, partially offset by a $1.5 billion decline in FHLB advances as strong deposit growth reduced the reliance on wholesale funding.

Credit Quality Summary

($ in millions) As of and For the Three Months Ended

June March December September June

2026 2026 2025 2025 2025

Total nonaccrual portfolio loans and leases (NPLs) $1,041 $960 $767 $768 $853

Repossessed property 10 11 11 12 8

OREO 24 28 19 21 25

Total nonperforming portfolio loans and leases and OREO (NPAs) $1,075 $999 $797 $801 $886

NPL ratio(f)

0.58 % 0.54 % 0.62 % 0.62 % 0.70 %

NPA ratio(c)

0.60 % 0.57 % 0.65 % 0.65 % 0.72 %

Portfolio loans and leases 30-89 days past due (accrual) $561 $683 $360 $348 $277

Portfolio loans and leases 90 days past due (accrual) 33 49 30 29 34

30-89 days past due as a % of portfolio loans and leases 0.31 % 0.39 % 0.29 % 0.28 % 0.23 %

90 days past due as a % of portfolio loans and leases 0.02 % 0.03 % 0.02 % 0.02 % 0.03 %

Allowance for loan and lease losses (ALLL), beginning $2,922 $2,253 $2,265 $2,412 $2,384

Total net losses charged-off (135) (144) (125) (339) (139)

Provision for loan and lease losses 131 152 113 192 167

Allowance on PCD loans and leases at acquisition (1) 180 — — —

Allowance on PSLs at acquisition 1 481 — — —

ALLL, ending $2,918 $2,922 $2,253 $2,265 $2,412

Reserve for unfunded commitments, beginning $232 $157 $151 $146 $140

(Benefit from) provision for the reserve for unfunded commitments (2) 75 6 5 6

Reserve for unfunded commitments, ending $230 $232 $157 $151 $146

Total allowance for credit losses (ACL) $3,148 $3,154 $2,410 $2,416 $2,558

ACL ratios:

As a % of portfolio loans and leases 1.76 % 1.79 % 1.96 % 1.96 % 2.09 %

As a % of nonperforming portfolio loans and leases 303 % 328 % 314 % 314 % 300 %

As a % of nonperforming portfolio assets 293 % 316 % 302 % 302 % 289 %

ALLL as a % of portfolio loans and leases 1.63 % 1.66 % 1.84 % 1.84 % 1.97 %

Total losses charged-off $(181) $(187) $(177) $(382) $(194)

Total recoveries of losses previously charged-off 46 43 52 43 55

Total net losses charged-off1

$(135) $(144) $(125) $(339) $(139)

Net charge-off ratio (NCO ratio)(b)1

0.30 % 0.37 % 0.40 % 1.09 % 0.45 %

Commercial NCO ratio 0.21 % 0.26 % 0.27 % 1.46 % 0.38 %

Consumer NCO ratio 0.53 % 0.58 % 0.59 % 0.52 % 0.56 %

1Excludes net charge-offs of $111 million which were taken immediately at the time of acquisition.

The provision for credit losses totaled $129 million in the current quarter, down from $227 million in the prior quarter, which included an $83 million Day 1 allowance build associated with the Comerica acquisition. The ACL ratio was 1.76% of total portfolio loans and leases at quarter end, down 3 bps sequentially and 33 bps year-over-year, primarily reflecting the addition of Comerica's portfolio mix and continued strong credit performance. The ACL coverage ratio remained strong at 303% of nonperforming portfolio loans and leases and 293% of nonperforming portfolio assets.

Net charge-offs totaled $135 million, and the NCO ratio improved 7 bps sequentially to 0.30%, the lowest level since the second quarter of 2023. Commercial net charge-offs of $64 million represented a commercial NCO ratio of 0.21%, down 5 bps sequentially, while consumer net charge-offs of $71 million equated to a consumer NCO ratio of 0.53%, also down 5 bps from the prior quarter.

Compared to the year-ago quarter, the NCO ratio improved 15 bps, with the commercial NCO ratio down 17 bps and the consumer NCO ratio down 3 bps.

Nonperforming portfolio loans and leases totaled $1.041 billion, representing an NPL ratio of 0.58%, compared to 0.54% in the prior quarter and 0.70% in the year-ago quarter. Nonperforming portfolio assets totaled $1.075 billion, an NPA ratio of 0.60%, compared to 0.57% in the prior quarter and 0.72% in the year-ago quarter. The sequential increase reflected modest growth in consumer and commercial NPAs.

Capital Position

As of and For the Three Months Ended

June March December September June

2026 2026 2025 2025 2025

Capital Position

Average total Bancorp shareholders' equity as a % of average assets

11.50 % 11.34 % 10.11 % 10.02 % 9.82 %

Tangible equity(a)

9.04 % 9.01 % 9.28 % 9.12 % 9.39 %

Tangible common equity (excluding AOCI)(a)

8.30 % 8.26 % 8.46 % 8.29 % 8.38 %

Tangible common equity (including AOCI)(a)

7.27 % 7.25 % 7.14 % 6.89 % 6.84 %

Regulatory Capital Ratios(d)

CET1 capital

9.93 % 9.89 % 10.81 % 10.57 % 10.58 %

Tier 1 risk-based capital

10.81 % 10.79 % 11.87 % 11.63 % 11.85 %

Total risk-based capital

12.50 % 12.50 % 13.78 % 13.54 % 13.77 %

Leverage 9.20 % 10.22 % 9.41 % 9.24 % 9.42 %

Fifth Third maintained a strong capital position. CET1 capital ratio increased 4 bps sequentially to 9.93%, as stronger capital generation was partially offset by risk-weighted asset growth. The year-to-date decrease in CET1 reflects the capital impacts from the Comerica acquisition and $933 million of pre-tax merger related impacts. There was no share repurchase activity in the first half of 2026.

Tax Rate

The effective tax rate for the quarter was 22.7% compared with 20.1% in the prior quarter and 22.2% in the year-ago quarter.

Conference Call

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

Corporate Profile

Fifth Third is a bank that's as long on innovation as it is on history. Since 1858, we've been helping individuals, families, businesses and communities grow through smart financial services that improve lives. Our list of firsts is extensive, and it's one that continues to expand as we explore the intersection of tech-driven innovation, dedicated people and focused community impact. Fifth Third is one of the few U.S.-based banks to have been named among Ethisphere's World's Most Ethical Companies® for several years. With a commitment to taking care of our customers, employees, communities and shareholders, our goal is to be the one bank people most value and trust.

Fifth Third Bank, National Association is a federally chartered institution. Fifth Third Bancorp is the indirect parent company of Fifth Third Bank, and its common stock is traded on the New York Stock Exchange under the symbol "FITB." Investor information and press releases can be viewed at www.53.com. Deposit and credit products provided by Fifth Third Bank, National Association. Member FDIC.

Earnings Release End Notes

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

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

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

(d)Current period regulatory capital ratios are estimated.

(e)Assumes a 24% tax rate.

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

FORWARD-LOOKING STATEMENTS

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

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) any instability or disruption in the financial system, including those caused by actual or perceived issues affecting the soundness of other financial institutions or market participants; (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’s 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’s capital plan; (20) regulation of Fifth Third’s 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’s 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’s 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’s 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 merger with Comerica Incorporated, including Fifth Third’s inability to realize the anticipated benefits of the merger and potential disruption to Fifth Third’s business resulting from post-merger integration.

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

# # #

Quarterly Financial Review for June 30, 2026

Table of Contents

Financial Highlights 14-15

Consolidated Statements of Income 16-17

Consolidated Balance Sheets 18-19

Consolidated Statements of Changes in Equity 20

Average Balance Sheets and Yield/Rate Analysis 21-22

Summary of Loans and Leases 23

Regulatory Capital 24

Summary of Credit Loss Experience 25

Asset Quality 26

Non-GAAP Reconciliation 27-29

Segment Presentation 30

Fifth Third Bancorp and Subsidiaries

Financial Highlights As of and For the Three Months Ended % / bps % / bps

$ in millions, except per share data Change Year to Date Change

(unaudited) June March June June June

2026 2026 2025 Seq Yr/Yr 2026 2025 Yr/Yr

Income Statement Data

Net interest income $2,215 $1,934 $1,495 15% 48% $4,149 $2,932 42%

Net interest income (FTE)(a)

2,220 1,939 1,500 14% 48% 4,159 2,942 41%

Noninterest income 1,059 895 750 18% 41% 1,954 1,444 35%

Total revenue (FTE)(a)

3,279 2,834 2,250 16% 46% 6,113 4,386 39%

Provision for credit losses 129 227 173 (43%) (25%) 356 347 3%

Noninterest expense 2,109 2,395 1,264 (12%) 67% 4,504 2,568 75%

Net income 801 165 628 385% 28% 966 1,142 (15%)

Net income available to common shareholders 763 128 591 496% 29% 891 1,069 (17%)

Earnings Per Share Data

Net income allocated to common shareholders $763 $128 $591 496% 29% $891 $1,069 (17%)

Average common shares outstanding (in thousands):

Basic 911,613 825,119 670,787 10% 36% 868,605 670,919 29%

Diluted 915,959 830,274 674,034 10% 36% 873,353 675,032 29%

Earnings per share, basic $0.84 $0.16 $0.88 425% (5%) $1.03 $1.59 (35%)

Earnings per share, diluted 0.83 0.15 0.88 453% (6%) 1.02 1.58 (35%)

Common Share Data

Cash dividends per common share $0.40 $0.40 $0.37 — 8% $0.80 $0.74 8%

Book value per share 35.56 35.24 28.47 1% 25% 35.56 28.47 25%

Market value per share 56.37 46.46 41.13 21% 37% 56.37 41.13 37%

Common shares outstanding (in thousands) 906,573 905,823 667,710 — 36% 906,573 667,710 36%

Market capitalization $51,103 $42,085 $27,463 21% 86% $51,103 $27,463 86%

Financial Ratios

Return on average assets 1.08 % 0.25 % 1.20 % 83 (12) 0.69 % 1.09 % (40)

Return on average common equity 9.5 % 1.8 % 12.8 % 770 (330) 6.0 % 11.8 % (580)

Return on average tangible common equity(a)

15.6 % 3.5 % 17.6 % NM (200) 10.0 % 16.5 % (650)

Noninterest income as a percent of total revenue(a)

32 % 32 % 33 % — (100) 32 % 33 % (100)

Dividend payout 47.6 % 250.0 % 42.0 % NM NM 77.7 % 46.5 % NM

Average total Bancorp shareholders’ equity as a percent of average assets

11.50 % 11.34 % 9.82 % 16 168 11.42 % 9.66 % 176

Tangible common equity(a)

8.30 % 8.26 % 8.38 % 4 (8) 8.30 % 8.38 % (8)

Net interest margin (FTE)(a)

3.36 % 3.30 % 3.12 % 6 24 3.33 % 3.08 % 25

Efficiency (FTE)(a)

64.3 % 84.5 % 56.2 % NM 810 73.7 % 58.6 % NM

Effective tax rate 22.7 % 20.1 % 22.2 % 260 50 22.3 % 21.8 % 50

Credit Quality

Net losses charged-off(h)

$135 $144 $139 (6 %) (3 %) $279 $276 1 %

Net losses charged-off as a percent of average portfolio loans and leases (annualized) 0.30 % 0.37 % 0.45 % (7) (15) 0.33 % 0.45 % (12)

ALLL as a percent of portfolio loans and leases 1.63 % 1.66 % 1.97 % (3) (34) 1.63 % 1.97 % (34)

ACL as a percent of portfolio loans and leases(f)

1.76 % 1.79 % 2.09 % (3) (33) 1.76 % 2.09 % (33)

Nonperforming portfolio assets as a percent of portfolio loans and leases and OREO 0.60 % 0.57 % 0.72 % 3 (12) 0.60 % 0.72 % (12)

Average Balances

Loans and leases, including held for sale $178,707 $158,283 $123,657 13% 45% $168,552 $122,716 37%

Securities and other short-term investments 86,282 79,678 69,025 8% 25% 82,998 70,029 19%

Assets 297,947 265,551 210,554 12% 42% 281,839 210,556 34%

Transaction deposits(b)

216,113 194,904 150,881 11% 43% 205,567 151,153 36%

Core deposits(c)

228,516 206,545 161,375 11% 42% 217,591 161,591 35%

Wholesale funding(d)

25,912 21,551 22,423 20% 16% 23,744 22,343 6%

Bancorp shareholders' equity

34,260 30,108 20,670 14% 66% 32,195 20,337 58%

Regulatory Capital Ratios(e)

CET1 capital

9.93 % 9.89 % 10.58 % 4 (65) 9.93 % 10.58 % (65)

Tier 1 risk-based capital

10.81 % 10.79 % 11.85 % 2 (104) 10.81 % 11.85 % (104)

Total risk-based capital

12.50 % 12.50 % 13.77 % — (127) 12.50 % 13.77 % (127)

Leverage 9.20 % 10.22 % 9.42 % (102) (22) 9.20 % 9.42 % (22)

Additional Metrics

Banking centers 1,500 1,489 1,089 1% 38% 1,500 1,089 38%

ATMs 2,648 2,643 2,170 — 22% 2,648 2,170 22%

Full-time equivalent employees 25,196 25,980 18,690 (3%) 35% 25,196 18,690 35%

Assets under care ($ in billions)(g)

$902 $865 $657 4% 37% $902 $657 37%

Assets under management ($ in billions)(g)

128 119 73 8% 75% 128 73 75%

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

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

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

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

(e)Current period regulatory capital ratios are estimates.

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

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

(h)Excludes net charge-offs of $111 million which were taken immediately at the time of acquisition.

Fifth Third Bancorp and Subsidiaries

Financial Highlights

$ in millions, except per share data As of and For the Three Months Ended

(unaudited) June March December September June

2026 2026 2025 2025 2025

Income Statement Data

Net interest income $2,215 $1,934 $1,529 $1,520 $1,495

Net interest income (FTE)(a)

2,220 1,939 1,533 1,525 1,500

Noninterest income 1,059 895 811 781 750

Total revenue (FTE)(a)

3,279 2,834 2,344 2,306 2,250

Provision for credit losses 129 227 119 197 173

Noninterest expense 2,109 2,395 1,309 1,267 1,264

Net income 801 165 731 649 628

Net income available to common shareholders 763 128 699 608 591

Earnings Per Share Data

Net income allocated to common shareholders $763 $128 $699 $608 $591

Average common shares outstanding (in thousands):

Basic 911,613 825,119 664,384 666,427 670,787

Diluted 915,959 830,274 669,153 670,878 674,034

Earnings per share, basic $0.84 $0.16 $1.05 $0.91 $0.88

Earnings per share, diluted 0.83 0.15 1.04 0.91 0.88

Common Share Data

Cash dividends per common share $0.40 $0.40 $0.40 $0.40 $0.37

Book value per share 35.56 35.24 30.18 29.26 28.47

Market value per share 56.37 46.46 46.81 44.55 41.13

Common shares outstanding (in thousands) 906,573 905,823 661,198 660,973 667,710

Market capitalization $51,103 $42,085 $30,951 $29,446 $27,463

Financial Ratios

Return on average assets 1.08 % 0.25 % 1.36 % 1.21 % 1.20 %

Return on average common equity 9.5 % 1.8 % 14.0 % 12.6 % 12.8 %

Return on average tangible common equity(a)

15.6 % 3.5 % 19.0 % 17.3 % 17.6 %

Noninterest income as a percent of total revenue(a)

32 % 32 % 35 % 34 % 33 %

Dividend payout 47.6 % 250.0 % 38.1 % 44.0 % 42.0 %

Average total Bancorp shareholders’ equity as a percent of average assets

11.50 % 11.34 % 10.11 % 10.02 % 9.82 %

Tangible common equity(a)

8.30 % 8.26 % 8.46 % 8.29 % 8.38 %

Net interest margin (FTE)(a)

3.36 % 3.30 % 3.13 % 3.13 % 3.12 %

Efficiency (FTE)(a)

64.3 % 84.5 % 55.8 % 54.9 % 56.2 %

Effective tax rate 22.7 % 20.1 % 19.8 % 22.6 % 22.2 %

Credit Quality

Net losses charged-off(h)

$135 $144 $125 $339 $139

Net losses charged-off as a percent of average portfolio loans and leases (annualized) 0.30 % 0.37 % 0.40 % 1.09 % 0.45 %

ALLL as a percent of portfolio loans and leases 1.63 % 1.66 % 1.84 % 1.84 % 1.97 %

ACL as a percent of portfolio loans and leases(f)

1.76 % 1.79 % 1.96 % 1.96 % 2.09 %

Nonperforming portfolio assets as a percent of portfolio loans and leases and OREO 0.60 % 0.57 % 0.65 % 0.65 % 0.72 %

Average Balances

Loans and leases, including held for sale $178,707 $158,283 $124,147 $123,993 $123,657

Securities and other short-term investments 86,282 79,678 69,997 69,507 69,025

Assets 297,947 265,551 213,021 211,770 210,554

Transaction deposits(b)

216,113 194,904 155,895 151,669 150,881

Core deposits(c)

228,516 206,545 166,436 162,510 161,375

Wholesale funding(d)

25,912 21,551 18,853 21,821 22,423

Bancorp shareholders’ equity

34,260 30,108 21,527 21,216 20,670

Regulatory Capital Ratios(e)

CET1 capital

9.93 % 9.89 % 10.81 % 10.57 % 10.58 %

Tier 1 risk-based capital

10.81 % 10.79 % 11.87 % 11.63 % 11.85 %

Total risk-based capital

12.50 % 12.50 % 13.78 % 13.54 % 13.77 %

Leverage 9.20 % 10.22 % 9.41 % 9.24 % 9.42 %

Additional Metrics

Banking centers 1,500 1,489 1,130 1,102 1,089

ATMs 2,648 2,643 2,199 2,184 2,170

Full-time equivalent employees 25,196 25,980 18,676 18,476 18,690

Assets under care ($ in billions)(g)

$902 $865 $690 $681 $657

Assets under management ($ in billions)(g)

128 119 80 77 73

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

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

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

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

(e)Current period regulatory capital ratios are estimates.

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

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

(h)Excludes net charge-offs of $111 million which were taken immediately at the time of acquisition.

Fifth Third Bancorp and Subsidiaries

Consolidated Statements of Income

$ in millions For the Three Months Ended % Change Year to Date % Change

(unaudited) June March June June June

2026 2026 2025 Seq Yr/Yr 2026 2025 Yr/Yr

Interest Income

Interest and fees on loans and leases $2,607 $2,293 $1,881 14% 39% $4,900 $3,696 33%

Interest on securities 598 501 458 19% 31% 1,099 910 21%

Interest on other short-term investments 167 178 145 (6%) 15% 345 311 11%

Total interest income 3,372 2,972 2,484 13% 36% 6,344 4,917 29%

Interest Expense

Interest on deposits 891 813 732 10% 22% 1,705 1,476 16%

Interest on short-term borrowings

38 5 61 660% (38%) 43 119 (64%)

Interest on long-term debt 228 220 196 4% 16% 447 390 15%

Total interest expense 1,157 1,038 989 11% 17% 2,195 1,985 11%

Net Interest Income 2,215 1,934 1,495 15% 48% 4,149 2,932 42%

Provision for credit losses 129 227 173 (43%) (25%) 356 347 3%

Net Interest Income After Provision for Credit Losses 2,086 1,707 1,322 22% 58% 3,793 2,585 47%

Noninterest Income

Wealth and asset management revenue 256 233 166 10% 54% 489 338 45%

Commercial payments revenue 254 218 152 17% 67% 472 305 55%

Consumer banking revenue 161 146 147 10% 10% 307 284 8%

Capital markets fees 154 134 90 15% 71% 287 179 60%

Commercial banking revenue 125 105 79 19% 58% 230 160 44%

Mortgage banking net revenue 39 44 56 (11%) (30%) 83 113 (27%)

Other noninterest income 50 27 44 85% 14% 78 58 34%

Securities gains (losses), net 20 (12) 16 NM 25% 8 7 14%

Total noninterest income 1,059 895 750 18% 41% 1,954 1,444 35%

Noninterest Expense

Compensation and benefits 1,129 1,410 698 (20%) 62% 2,539 1,447 75%

Technology and communications 250 204 126 23% 98% 453 250 81%

Net occupancy expense 154 140 83 10% 86% 295 171 73%

Card and processing expense 66 79 22 (16%) 200% 144 43 235%

Equipment expense 60 55 41 9% 46% 115 82 40%

Loan and lease expense 53 42 36 26% 47% 95 66 44%

Marketing expense 65 50 43 30% 51% 114 71 61%

Other noninterest expense 332 415 215 (20%) 54% 749 438 71%

Total noninterest expense 2,109 2,395 1,264 (12%) 67% 4,504 2,568 75%

Income Before Income Taxes 1,036 207 808 400% 28% 1,243 1,461 (15%)

Applicable income tax expense 235 42 180 460% 31% 277 319 (13%)

Net Income 801 165 628 385% 28% 966 1,142 (15%)

Dividends on preferred stock 38 37 37 3% 3% 75 73 3%

Net Income Available to Common Shareholders $763 $128 $591 496% 29% $891 $1,069 (17%)

Fifth Third Bancorp and Subsidiaries

Consolidated Statements of Income

$ in millions For the Three Months Ended

(unaudited) June March December September June

2026 2026 2025 2025 2025

Interest Income

Interest and fees on loans and leases $2,607 $2,293 $1,862 $1,909 $1,881

Interest on securities 598 501 431 444 458

Interest on other short-term investments 167 178 175 166 145

Total interest income 3,372 2,972 2,468 2,519 2,484

Interest Expense

Interest on deposits 891 813 726 750 732

Interest on short-term borrowings

38 5 34 61 61

Interest on long-term debt 228 220 179 188 196

Total interest expense 1,157 1,038 939 999 989

Net Interest Income 2,215 1,934 1,529 1,520 1,495

Provision for credit losses 129 227 119 197 173

Net Interest Income After Provision for Credit Losses 2,086 1,707 1,410 1,323 1,322

Noninterest Income

Wealth and asset management revenue 256 233 185 181 166

Commercial payments revenue 254 218 167 157 152

Consumer banking revenue 161 146 143 144 147

Capital markets fees 154 134 121 115 90

Commercial banking revenue 125 105 102 87 79

Mortgage banking net revenue 39 44 56 58 56

Other noninterest income 50 27 42 29 44

Securities gains (losses), net 20 (12) (5) 10 16

Total noninterest income 1,059 895 811 781 750

Noninterest Expense

Compensation and benefits 1,129 1,410 683 685 698

Technology and communications 250 204 138 128 126

Net occupancy expense 154 140 89 89 83

Card and processing expense 66 79 27 22 22

Equipment expense 60 55 43 44 41

Loan and lease expense 53 42 41 39 36

Marketing expense 65 50 37 34 43

Other noninterest expense 332 415 251 226 215

Total noninterest expense 2,109 2,395 1,309 1,267 1,264

Income Before Income Taxes 1,036 207 912 837 808

Applicable income tax expense 235 42 181 188 180

Net Income 801 165 731 649 628

Dividends on preferred stock 38 37 32 41 37

Net Income Available to Common Shareholders $763 $128 $699 $608 $591

Fifth Third Bancorp and Subsidiaries

Consolidated Balance Sheets

$ in millions, except per share data As of % Change

(unaudited) June March June

2026 2026 2025 Seq Yr/Yr

Assets

Cash and due from banks $4,374 $4,084 $2,972 7% 47%

Other short-term investments 19,350 17,456 13,043 11% 48%

Available-for-sale debt and other securities(a)

44,466 46,161 38,270 (4%) 16%

Held-to-maturity securities(b)

18,404 16,389 11,630 12% 58%

Trading debt securities 1,853 1,669 1,324 11% 40%

Equity securities 495 544 404 (9%) 23%

Loans and leases held for sale 866 1,365 646 (37%) 34%

Portfolio loans and leases:

Commercial and industrial loans 85,736 83,864 53,312 2% 61%

Commercial mortgage loans 27,196 27,143 12,112 — 125%

Commercial construction loans 8,459 8,329 5,551 2% 52%

Commercial leases 3,489 3,523 3,177 (1%) 10%

Total commercial loans and leases 124,880 122,859 74,152 2% 68%

Residential mortgage loans 19,713 19,507 17,681 1% 11%

Home equity 6,929 6,735 4,485 3% 54%

Indirect secured consumer loans 18,186 18,296 17,591 (1%) 3%

Credit card 1,683 1,658 1,707 2% (1%)

Solar energy installation loans 4,314 4,465 4,316 (3%) —

Other consumer loans 2,823 2,730 2,464 3% 15%

Total consumer loans 53,648 53,391 48,244 — 11%

Portfolio loans and leases 178,528 176,250 122,396 1% 46%

Allowance for loan and lease losses (2,918) (2,922) (2,412) — 21%

Portfolio loans and leases, net 175,610 173,328 119,984 1% 46%

Bank premises and equipment 3,343 3,283 2,560 2% 31%

Goodwill 9,990 9,966 4,918 — 103%

Intangible assets 1,253 1,233 75 2% NM

Servicing rights 1,607 1,583 1,629 2% (1%)

Other assets 18,511 19,978 12,536 (7%) 48%

Total Assets $300,122 $297,039 $209,991 1% 43%

Liabilities

Deposits:

Demand $63,928 $65,335 $42,174 (2%) 52%

Interest checking 70,527 72,425 55,524 (3%) 27%

Savings 18,161 18,610 16,614 (2%) 9%

Money market 65,932 62,345 36,586 6% 80%

CDs $250,000 or less 12,708 11,807 10,883 8% 17%

CDs over $250,000 2,885 3,099 2,426 (7%) 19%

Total deposits 234,141 233,621 164,207 — 43%

Short-term borrowings 4,633 1,289 3,571 259% 30%

Accrued taxes, interest and expenses 3,024 2,628 1,970 15% 54%

Other liabilities 6,265 6,642 4,627 (6%) 35%

Long-term debt 17,636 18,753 14,492 (6%) 22%

Total Liabilities 265,699 262,933 188,867 1% 41%

Equity

Common stock(c)

2,585 2,585 2,051 — 26%

Preferred stock 2,182 2,182 2,116 — 3%

Capital surplus 15,603 15,586 3,794 — 311%

Retained earnings 25,645 25,248 24,718 2% 4%

Accumulated other comprehensive loss (3,345) (3,234) (3,546) 3% (6%)

Treasury stock (8,247) (8,261) (8,009) — 3%

Total Equity 34,423 34,106 21,124 1% 63%

Total Liabilities and Equity $300,122 $297,039 $209,991 1% 43%

(a) Amortized cost $47,623 $49,238 $41,731 (3%) 14%

(b) Market values 18,259 16,341 11,547 12 % 58 %

Authorized 2,000,000 2,000,000 2,000,000 — —

Outstanding, excluding treasury 906,573 905,823 667,710 — —

Treasury 257,666 258,416 256,183 — —

Fifth Third Bancorp and Subsidiaries

Consolidated Balance Sheets

$ in millions, except per share data As of

(unaudited) June March December September June

2026 2026 2025 2025 2025

Assets

Cash and due from banks $4,374 $4,084 $3,499 $2,901 $2,972

Other short-term investments 19,350 17,456 18,876 17,215 13,043

Available-for-sale debt and other securities(a)

44,466 46,161 36,159 36,461 38,270

Held-to-maturity securities(b)

18,404 16,389 11,368 11,498 11,630

Trading debt securities 1,853 1,669 1,057 1,266 1,324

Equity securities 495 544 453 287 404

Loans and leases held for sale 866 1,365 733 576 646

Portfolio loans and leases:

Commercial and industrial loans 85,736 83,864 52,749 53,947 53,312

Commercial mortgage loans 27,196 27,143 12,228 11,932 12,112

Commercial construction loans 8,459 8,329 5,316 5,326 5,551

Commercial leases 3,489 3,523 3,269 3,218 3,177

Total commercial loans and leases 124,880 122,859 73,562 74,423 74,152

Residential mortgage loans 19,713 19,507 17,652 17,644 17,681

Home equity 6,929 6,735 4,846 4,678 4,485

Indirect secured consumer loans 18,186 18,296 17,964 17,885 17,591

Credit card 1,683 1,658 1,747 1,692 1,707

Solar energy installation loans 4,314 4,465 4,560 4,432 4,316

Other consumer loans 2,823 2,730 2,320 2,376 2,464

Total consumer loans 53,648 53,391 49,089 48,707 48,244

Portfolio loans and leases 178,528 176,250 122,651 123,130 122,396

Allowance for loan and lease losses (2,918) (2,922) (2,253) (2,265) (2,412)

Portfolio loans and leases, net 175,610 173,328 120,398 120,865 119,984

Bank premises and equipment 3,343 3,283 2,734 2,655 2,560

Goodwill 9,990 9,966 4,947 4,947 4,918

Intangible assets 1,253 1,233 69 76 75

Servicing rights 1,607 1,583 1,598 1,601 1,629

Other assets 18,511 19,978 12,485 12,555 12,536

Total Assets $300,122 $297,039 $214,376 $212,903 $209,991

Liabilities

Deposits:

Demand $63,928 $65,335 $42,647 $41,830 $42,174

Interest checking 70,527 72,425 61,155 57,239 55,524

Savings 18,161 18,610 16,155 16,110 16,614

Money market 65,932 62,345 39,285 38,748 36,586

CDs $250,000 or less 12,708 11,807 10,599 10,667 10,883

CDs over $250,000 2,885 3,099 1,978 1,975 2,426

Total deposits 234,141 233,621 171,819 166,569 164,207

Short-term borrowings 4,633 1,289 926 5,260 3,571

Accrued taxes, interest and expenses 3,024 2,628 2,083 1,943 1,970

Other liabilities 6,265 6,642 4,235 4,347 4,627

Long-term debt 17,636 18,753 13,589 13,677 14,492

Total Liabilities 265,699 262,933 192,652 191,796 188,867

Equity

Common stock(c)

2,585 2,585 2,051 2,051 2,051

Preferred stock 2,182 2,182 1,770 1,770 2,116

Capital surplus 15,603 15,586 3,831 3,813 3,794

Retained earnings 25,645 25,248 25,488 25,057 24,718

Accumulated other comprehensive loss (3,345) (3,234) (3,110) (3,276) (3,546)

Treasury stock (8,247) (8,261) (8,306) (8,308) (8,009)

Total Equity 34,423 34,106 21,724 21,107 21,124

Total Liabilities and Equity $300,122 $297,039 $214,376 $212,903 $209,991

(a) Amortized cost $47,623 $49,238 $39,107 $39,617 $41,731

(b) Market values 18,259 16,341 11,404 11,506 11,547

Authorized 2,000,000 2,000,000 2,000,000 2,000,000 2,000,000

Outstanding, excluding treasury 906,573 905,823 661,198 660,973 667,710

Treasury 257,666 258,416 262,695 262,919 256,183

Fifth Third Bancorp and Subsidiaries

Consolidated Statements of Changes in Equity

$ in millions

(unaudited)

For the Three Months Ended Year to Date

June June June June

2026 2025 2026 2025

Total Equity, Beginning $34,106 $20,403 $21,724 $19,645

Net income 801 628 966 1,142

Other comprehensive (loss) income, net of tax:

Change in unrealized (losses) gains:

Available-for-sale debt securities (62) 179 (162) 660

Qualifying cash flow hedges (74) 148 (120) 383

Amortization of unrealized losses on securities transferred to held-to-maturity 24 22 46 47

Change in accumulated other comprehensive income related to employee benefit plans 1 — 1 —

Comprehensive income 690 977 731 2,232

Cash dividends declared:

Common stock (366) (250) (734) (501)

Preferred stock (38) (37) (75) (73)

Impact of Comerica acquisition — — 12,676 —

Impact of stock transactions under stock compensation plans, net 32 31 102 47

Shares acquired for treasury — — — (226)

Other (1) — (1) —

Total Equity, Ending $34,423 $21,124 $34,423 $21,124

Fifth Third Bancorp and Subsidiaries

Average Balance Sheets and Yield/Rate Analysis For the Three Months Ended

$ in millions June March June

(unaudited) 2026 2026 2025

Average Average Average Average Average Average

Balance Yield/Rate Balance Yield/Rate Balance Yield/Rate

Assets

Interest-earning assets:

Loans and leases:

Commercial and industrial loans(a)

$85,260 5.90 % $73,302 5.89 % $54,109 6.28 %

Commercial mortgage loans(a)

27,215 5.82 % 22,005 5.85 % 12,420 6.12 %

Commercial construction loans(a)

8,504 6.50 % 7,287 6.45 % 5,810 7.17 %

Commercial leases(a)

3,503 4.61 % 3,347 4.86 % 3,121 4.83 %

Total commercial loans and leases 124,482 5.89 % 105,941 5.89 % 75,460 6.26 %

Residential mortgage loans 20,362 4.16 % 19,414 4.18 % 18,156 3.98 %

Home equity 6,830 6.95 % 6,065 7.02 % 4,383 7.42 %

Indirect secured consumer loans 18,239 5.53 % 18,105 5.54 % 17,248 5.63 %

Credit card 1,646 13.69 % 1,659 13.94 % 1,659 14.33 %

Solar energy installation loans 4,384 7.93 % 4,516 8.17 % 4,268 8.10 %

Other consumer loans 2,764 8.66 % 2,583 8.77 % 2,483 9.09 %

Total consumer loans 54,225 5.80 % 52,342 5.86 % 48,197 5.87 %

Total loans and leases 178,707 5.86 % 158,283 5.88 % 123,657 6.11 %

Securities:

Taxable securities 66,532 3.55 % 58,587 3.41 % 54,896 3.29 %

Tax exempt securities(a)

1,392 3.25 % 1,363 3.26 % 1,347 3.19 %

Other short-term investments 18,358 3.64 % 19,728 3.67 % 12,782 4.56 %

Total interest-earning assets 264,989 5.11 % 237,961 5.07 % 192,682 5.18 %

Cash and due from banks 3,307 3,066 2,437

Other assets 32,573 27,210 17,819

Allowance for loan and lease losses (2,922) (2,686) (2,384)

Total Assets $297,947 $265,551 $210,554

Liabilities

Interest-bearing liabilities:

Interest checking deposits $70,507 2.15 % $67,369 2.19 % $56,738 2.69 %

Savings deposits 18,430 0.35 % 17,546 0.35 % 16,962 0.48 %

Money market deposits 63,200 2.43 % 54,219 2.39 % 36,296 2.40 %

CDs $250,000 or less 12,403 2.94 % 11,641 3.14 % 10,494 3.52 %

Total interest-bearing core deposits 164,540 2.11 % 150,775 2.12 % 120,490 2.36 %

CDs over $250,000 2,990 3.25 % 2,807 3.41 % 2,200 4.07 %

Total interest-bearing deposits 167,530 2.13 % 153,582 2.15 % 122,690 2.39 %

Federal funds purchased 160 3.65 % 178 3.66 % 206 4.39 %

Securities sold under repurchase agreements 444 1.69 % 322 1.09 % 353 1.16 %

FHLB advances 3,437 3.88 % 99 4.10 % 4,976 4.59 %

Derivative collateral and other secured borrowings 64 7.25 % 83 7.49 % 89 5.61 %

Long-term debt 18,817 4.87 % 18,062 4.93 % 14,599 5.36 %

Total interest-bearing liabilities 190,452 2.44 % 172,326 2.44 % 142,913 2.78 %

Demand deposits 63,976 55,770 40,885

Other liabilities 9,259 7,347 6,086

Total Liabilities 263,687 235,443 189,884

Total Equity 34,260 30,108 20,670

Total Liabilities and Equity $297,947 $265,551 $210,554

Ratios:

Net interest margin (FTE)(b)

3.36 % 3.30 % 3.12 %

Net interest rate spread (FTE)(b)

2.67 % 2.63 % 2.40 %

Interest-bearing liabilities to interest-earning assets 71.87 % 72.42 % 74.17 %

(a) Average Yield/Rate of these assets are presented on an FTE basis.

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

Fifth Third Bancorp and Subsidiaries

Average Balance Sheets and Yield/Rate Analysis Year to Date

$ in millions June June

(unaudited) 2026 2025

Average Average Average Average

Balance Yield/Rate Balance Yield/Rate

Assets

Interest-earning assets:

Loans and leases:

Commercial and industrial loans(a)

$79,315 5.90 % $53,772 6.25 %

Commercial mortgage loans(a)

24,625 5.83 % 12,404 6.05 %

Commercial construction loans(a)

7,899 6.48 % 5,812 7.05 %

Commercial leases(a)

3,426 4.73 % 3,115 4.81 %

Total commercial loans and leases 115,265 5.89 % 75,103 6.22 %

Residential mortgage loans 19,891 4.17 % 18,068 3.97 %

Home equity 6,449 6.98 % 4,303 7.49 %

Indirect secured consumer loans 18,172 5.53 % 16,864 5.60 %

Credit card 1,652 13.82 % 1,643 14.54 %

Solar energy installation loans 4,449 8.05 % 4,245 8.06 %

Other consumer loans 2,674 8.71 % 2,490 9.23 %

Total consumer loans 53,287 5.83 % 47,613 5.87 %

Total loans and leases 168,552 5.87 % 122,716 6.08 %

Securities:

Taxable securities 62,581 3.49 % 55,050 3.27 %

Tax exempt securities(a)

1,378 3.25 % 1,370 3.19 %

Other short-term investments 19,039 3.65 % 13,609 4.60 %

Total interest-earning assets 251,550 5.09 % 192,745 5.15 %

Cash and due from banks 3,187 2,413

Other assets 29,906 17,766

Allowance for loan and lease losses (2,804) (2,368)

Total Assets $281,839 $210,556

Liabilities

Interest-bearing liabilities:

Interest checking deposits $68,946 2.17 % $57,346 2.69 %

Savings deposits 17,990 0.35 % 17,094 0.51 %

Money market deposits 58,735 2.41 % 36,374 2.41 %

CDs $250,000 or less 12,024 3.04 % 10,438 3.53 %

Total interest-bearing core deposits 157,695 2.12 % 121,252 2.37 %

CDs over $250,000 2,899 3.32 % 2,273 4.26 %

Total interest-bearing deposits 160,594 2.14 % 123,525 2.41 %

Federal funds purchased 169 3.65 % 200 4.38 %

Securities sold under repurchase agreements 384 1.44 % 320 1.05 %

FHLB advances 1,777 3.89 % 4,872 4.60 %

Derivative collateral and other secured borrowings 73 7.38 % 86 6.02 %

Long-term debt 18,442 4.90 % 14,592 5.37 %

Total interest-bearing liabilities 181,439 2.44 % 143,595 2.79 %

Demand deposits 59,896 40,339

Other liabilities 8,309 6,285

Total Liabilities 249,644 190,219

Total Equity 32,195 20,337

Total Liabilities and Equity $281,839 $210,556

Ratios:

Net interest margin (FTE)(b)

3.33 % 3.08 %

Net interest rate spread (FTE)(b)

2.65 % 2.36 %

Interest-bearing liabilities to interest-earning assets 72.13 % 74.50 %

(a) Average Yield/Rate of these assets are presented on an FTE basis.

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

Fifth Third Bancorp and Subsidiaries

Summary of Loans and Leases

$ in millions For the Three Months Ended

(unaudited) June March December September June

2026 2026 2025 2025 2025

Average Portfolio Loans and Leases

Commercial loans and leases:

Commercial and industrial loans $84,967 $73,264 $53,947 $54,170 $54,075

Commercial mortgage loans 27,176 21,969 12,079 12,027 12,410

Commercial construction loans 8,437 7,278 5,399 5,541 5,810

Commercial leases 3,503 3,347 3,172 3,177 3,120

Total commercial loans and leases 124,083 105,858 74,597 74,915 75,415

Consumer loans:

Residential mortgage loans 19,626 18,848 17,660 17,656 17,615

Home equity 6,830 6,064 4,769 4,579 4,383

Indirect secured consumer loans 18,239 18,105 17,879 17,729 17,248

Credit card 1,646 1,659 1,694 1,678 1,659

Solar energy installation loans 4,384 4,516 4,486 4,355 4,268

Other consumer loans 2,764 2,582 2,345 2,414 2,483

Total consumer loans 53,489 51,774 48,833 48,411 47,656

Total average portfolio loans and leases $177,572 $157,632 $123,430 $123,326 $123,071

Average Loans and Leases Held for Sale

Commercial loans and leases held for sale $399 $85 $19 $44 $45

Consumer loans held for sale 736 566 698 623 541

Average loans and leases held for sale $1,135 $651 $717 $667 $586

End of Period Portfolio Loans and Leases

Commercial loans and leases:

Commercial and industrial loans $85,736 $83,864 $52,749 $53,947 $53,312

Commercial mortgage loans 27,196 27,143 12,228 11,932 12,112

Commercial construction loans 8,459 8,329 5,316 5,326 5,551

Commercial leases 3,489 3,523 3,269 3,218 3,177

Total commercial loans and leases 124,880 122,859 73,562 74,423 74,152

Consumer loans:

Residential mortgage loans 19,713 19,507 17,652 17,644 17,681

Home equity 6,929 6,735 4,846 4,678 4,485

Indirect secured consumer loans 18,186 18,296 17,964 17,885 17,591

Credit card 1,683 1,658 1,747 1,692 1,707

Solar energy installation loans 4,314 4,465 4,560 4,432 4,316

Other consumer loans 2,823 2,730 2,320 2,376 2,464

Total consumer loans 53,648 53,391 49,089 48,707 48,244

Total portfolio loans and leases $178,528 $176,250 $122,651 $123,130 $122,396

End of Period Loans and Leases Held for Sale

Commercial loans and leases held for sale $171 $651 $75 $8 $74

Consumer loans held for sale 695 714 658 568 572

Loans and leases held for sale $866 $1,365 $733 $576 $646

Operating lease equipment $417 $416 $374 $379 $344

Loans and Leases Serviced for Others(a)

Commercial and industrial loans $1,838 $1,801 $1,290 $1,206 $1,166

Commercial mortgage loans 2,193 518 501 558 601

Commercial construction loans 292 318 291 304 333

Commercial leases 817 821 853 764 757

Residential mortgage loans 85,907 86,733 87,827 89,639 91,201

Solar energy installation loans 643 665 686 692 557

Other consumer loans 81 86 92 98 105

Total loans and leases serviced for others 91,771 90,942 91,540 93,261 94,720

Total loans and leases owned or serviced $271,582 $268,973 $215,298 $217,346 $218,106

(a)Fifth Third sells certain loans and leases and obtains servicing responsibilities.

Fifth Third Bancorp and Subsidiaries

Regulatory Capital

$ in millions As of

(unaudited) June March December September June

2026(a)

2026 2025 2025 2025

Regulatory Capital

CET1 capital $24,508 $24,136 $18,099 $17,645 $17,616

Additional tier 1 capital 2,182 2,182 1,770 1,770 2,116

Tier 1 capital 26,690 26,318 19,869 19,415 19,732

Tier 2 capital 4,164 4,179 3,197 3,204 3,197

Total regulatory capital $30,854 $30,497 $23,066 $22,619 $22,929

Risk-weighted assets

$246,855 $243,964 $167,431 $166,999 $166,517

Ratios

Average total Bancorp shareholders' equity as a percent of average assets

11.50 % 11.34 % 10.11 % 10.02 % 9.82 %

Regulatory Capital Ratios

Fifth Third Bancorp

CET1 capital

9.93 % 9.89 % 10.81 % 10.57 % 10.58 %

Tier 1 risk-based capital

10.81 % 10.79 % 11.87 % 11.63 % 11.85 %

Total risk-based capital

12.50 % 12.50 % 13.78 % 13.54 % 13.77 %

Leverage 9.20 % 10.22 % 9.41 % 9.24 % 9.42 %

Fifth Third Bank, National Association

Tier 1 risk-based capital

11.69 % 11.73 % 13.09 % 12.95 % 12.87 %

Total risk-based capital

12.94 % 13.00 % 14.33 % 14.19 % 14.12 %

Leverage 9.99 % 11.16 % 10.41 % 10.31 % 10.25 %

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

Fifth Third Bancorp and Subsidiaries

Summary of Credit Loss Experience

$ in millions For the Three Months Ended

(unaudited) June March December September June

2026 2026 2025 2025 2025

Average portfolio loans and leases:

Commercial and industrial loans $84,967 $73,264 $53,947 $54,170 $54,075

Commercial mortgage loans 27,176 21,969 12,079 12,027 12,410

Commercial construction loans 8,437 7,278 5,399 5,541 5,810

Commercial leases 3,503 3,347 3,172 3,177 3,120

Total commercial loans and leases 124,083 105,858 74,597 74,915 75,415

Residential mortgage loans 19,626 18,848 17,660 17,656 17,615

Home equity 6,830 6,064 4,769 4,579 4,383

Indirect secured consumer loans 18,239 18,105 17,879 17,729 17,248

Credit card 1,646 1,659 1,694 1,678 1,659

Solar energy installation loans 4,384 4,516 4,486 4,355 4,268

Other consumer loans 2,764 2,582 2,345 2,414 2,483

Total consumer loans 53,489 51,774 48,833 48,411 47,656

Total average portfolio loans and leases $177,572 $157,632 $123,430 $123,326 $123,071

Losses charged-off:

Commercial and industrial loans ($73) ($77) ($61) ($280) ($84)

Commercial mortgage loans — — (7) (2) (4)

Commercial construction loans — — — — —

Commercial leases — — (1) — (2)

Total commercial loans and leases (73) (77) (69) (282) (90)

Residential mortgage loans (1) — — — —

Home equity (1) (2) (2) (1) (2)

Indirect secured consumer loans (36) (40) (41) (34) (33)

Credit card (20) (19) (20) (20) (20)

Solar energy installation loans (29) (26) (22) (20) (23)

Other consumer loans (21) (23) (23) (25) (26)

Total consumer loans (108) (110) (108) (100) (104)

Total losses charged-off ($181) ($187) ($177) ($382) ($194)

Recoveries of losses previously charged-off:

Commercial and industrial loans $8 $8 $17 $6 $15

Commercial mortgage loans — — 1 1 1

Commercial construction loans 1 — — — —

Commercial leases — — — — 3

Total commercial loans and leases 9 8 18 7 19

Residential mortgage loans 1 — 1 1 1

Home equity 1 2 1 2 2

Indirect secured consumer loans 18 16 14 16 17

Credit card 5 5 5 4 5

Solar energy installation loans 4 3 5 4 3

Other consumer loans 8 9 8 9 8

Total consumer loans 37 35 34 36 36

Total recoveries of losses previously charged-off $46 $43 $52 $43 $55

Net losses charged-off:

Commercial and industrial loans ($65) ($69) ($44) ($274) ($69)

Commercial mortgage loans — — (6) (1) (3)

Commercial construction loans 1 — — — —

Commercial leases — — (1) — 1

Total commercial loans and leases (64) (69) (51) (275) (71)

Residential mortgage loans — — 1 1 1

Home equity — — (1) 1 —

Indirect secured consumer loans (18) (24) (27) (18) (16)

Credit card (15) (14) (15) (16) (15)

Solar energy installation loans (25) (23) (17) (16) (20)

Other consumer loans (13) (14) (15) (16) (18)

Total consumer loans (71) (75) (74) (64) (68)

Total net losses charged-off(a)

($135) ($144) ($125) ($339) ($139)

Net losses charged-off as a percent of average portfolio loans and leases (annualized):

Commercial and industrial loans 0.31 % 0.38 % 0.32 % 2.01 % 0.51 %

Commercial mortgage loans (0.01 %) — 0.21 % 0.04 % 0.11 %

Commercial construction loans (0.02 %) (0.02 %) — — —

Commercial leases (0.01 %) — 0.16 % (0.04 %) (0.10 %)

Total commercial loans and leases 0.21 % 0.26 % 0.27 % 1.46 % 0.38 %

Residential mortgage loans — (0.01 %) (0.01 %) (0.02 %) (0.01 %)

Home equity (0.02 %) 0.01 % 0.06 % (0.05 %) 0.02 %

Indirect secured consumer loans 0.40 % 0.54 % 0.59 % 0.40 % 0.37 %

Credit card 3.60 % 3.51 % 3.62 % 3.70 % 3.74 %

Solar energy installation loans 2.25 % 2.03 % 1.45 % 1.47 % 1.86 %

Other consumer loans 1.95 % 2.19 % 2.46 % 2.51 % 2.49 %

Total consumer loans 0.53 % 0.58 % 0.59 % 0.52 % 0.56 %

Total net losses charged-off as a percent of average portfolio loans and leases (annualized) 0.30 % 0.37 % 0.40 % 1.09 % 0.45 %

(a)Excludes net charge-offs of $111 million which were taken immediately at the time of acquisition.

Fifth Third Bancorp and Subsidiaries

Asset Quality

$ in millions For the Three Months Ended

(unaudited) June March December September June

2026 2026 2025 2025 2025

Allowance for Credit Losses

Allowance for loan and lease losses, beginning $2,922 $2,253 $2,265 $2,412 $2,384

Total net losses charged-off(d)

(135) (144) (125) (339) (139)

Provision for loan and lease losses 131 152 113 192 167

Allowance on PCD loans and leases at acquisition (1) 180 — — —

Allowance on PSLs at acquisition 1 481 — — —

Allowance for loan and lease losses, ending $2,918 $2,922 $2,253 $2,265 $2,412

Reserve for unfunded commitments, beginning $232 $157 $151 $146 $140

(Benefit from) provision for the reserve for unfunded commitments (2) 75 6 5 6

Reserve for unfunded commitments, ending $230 $232 $157 $151 $146

Components of allowance for credit losses:

Allowance for loan and lease losses $2,918 $2,922 $2,253 $2,265 $2,412

Reserve for unfunded commitments 230 232 157 151 146

Total allowance for credit losses $3,148 $3,154 $2,410 $2,416 $2,558

As of

June March December September June

2026 2026 2025 2025 2025

Nonperforming Assets and Delinquent Loans

Nonaccrual portfolio loans and leases:

Commercial and industrial loans $455 $417 $393 $393 $460

Commercial mortgage loans 94 94 34 42 48

Commercial construction loans 62 62 — — —

Commercial leases 4 — — — —

Residential mortgage loans 176 164 149 142 143

Home equity 131 104 71 72 75

Indirect secured consumer loans 62 58 61 61 65

Credit card 29 30 29 29 29

Solar energy installation loans 23 26 22 22 26

Other consumer loans 5 5 8 7 7

Total nonaccrual portfolio loans and leases 1,041 960 767 768 853

Repossessed property 10 11 11 12 8

OREO 24 28 19 21 25

Total nonperforming portfolio loans and leases and OREO 1,075 999 797 801 886

Nonaccrual loans held for sale 167 141 70 4 27

Total nonperforming assets $1,242 $1,140 $867 $805 $913

Loans and leases 90 days past due (accrual):

Commercial and industrial loans $4 $3 $2 $2 $5

Commercial mortgage loans 1 19 — — 3

Commercial construction loans — 2 1 — —

Commercial leases — 1 — — —

Total commercial loans and leases 5 25 3 2 8

Residential mortgage loans(c)

11 7 10 11 8

Credit card 16 17 17 16 18

Other consumer loans 1 — — — —

Total consumer loans 28 24 27 27 26

Total loans and leases 90 days past due (accrual)(b)

$33 $49 $30 $29 $34

Ratios

Net losses charged-off as a percent of average portfolio loans and leases (annualized) 0.30 % 0.37 % 0.40 % 1.09 % 0.45 %

Allowance for credit losses:

As a percent of portfolio loans and leases 1.76 % 1.79 % 1.96 % 1.96 % 2.09 %

As a percent of nonperforming portfolio loans and leases(a)

303 % 328 % 314 % 314 % 300 %

As a percent of nonperforming portfolio assets(a)

293 % 316 % 302 % 302 % 289 %

Nonperforming portfolio loans and leases as a percent of portfolio loans and leases(a)

0.58 % 0.54 % 0.62 % 0.62 % 0.70 %

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

0.60 % 0.57 % 0.65 % 0.65 % 0.72 %

Nonperforming assets as a percent of total loans and leases, OREO, and repossessed property 0.69 % 0.64 % 0.70 % 0.65 % 0.74 %

(a) Excludes nonaccrual loans held for sale.

(b) Excludes loans held for sale.

(d) Excludes net charge-offs of $111 million which were taken immediately at the time of acquisition.

Use of Non-GAAP Financial Measures

In addition to GAAP measures, management considers various non-GAAP measures when evaluating the performance of the business, including: “net interest income (FTE),” “interest income (FTE),” “net interest margin (FTE),” “net interest rate spread (FTE),” “income before income taxes (FTE),” “tangible net income available to common shareholders,” “average tangible common equity,” “return on average tangible common equity,” “tangible common equity (excluding AOCI),” “tangible common equity (including AOCI),” “tangible equity,” “tangible book value per share,” “tangible book value per share (excluding AOCI),” “adjusted noninterest income,” “noninterest income excluding certain items,” “adjusted noninterest expense,” “noninterest expense excluding certain items,” “pre-provision net revenue,” “adjusted efficiency ratio,” “adjusted return on average common equity,” “adjusted return on average tangible common equity,” “adjusted return on average tangible common equity, excluding accumulated other comprehensive income", “adjusted pre-provision net revenue,” “adjusted return on average assets,” “efficiency ratio (FTE),” “total revenue (FTE),” "adjusted total revenue," “noninterest income as a percent of total revenue”, and certain ratios derived from these measures. The Bancorp believes these non-GAAP measures provide useful information to investors because these are among the measures used by the Fifth Third management team to evaluate operating performance and to make day-to-day operating decisions.

The FTE basis adjusts for the tax-favored status of income from certain loans and securities held by the Bancorp that are not taxable for federal income tax purposes. The Bancorp believes this presentation to be the preferred industry measurement of net interest income and net interest margin as it provides a relevant comparison between taxable and non-taxable amounts.

The Bancorp believes tangible net income available to common shareholders, average tangible common equity, tangible common equity (excluding AOCI), tangible common equity (including AOCI), tangible equity, tangible book value per share and return on average tangible common equity are important measures for evaluating the performance of the business without the impacts of intangible items, whether acquired or created internally, in a manner comparable to other companies in the industry who present similar measures.

The Bancorp believes noninterest income, noninterest expense, net interest income, net interest margin, pre-provision net revenue, efficiency ratio, adjusted total revenue, noninterest income as a percent of total revenue, return on average common equity, return on average tangible common equity, and return on average assets are important measures that adjust for significant, unusual, or large transactions that may occur in a reporting period which management does not consider indicative of ongoing financial performance and enhances comparability of results with prior periods.

The Bancorp believes noninterest income excluding certain items and noninterest expense excluding certain items are important measures that adjust for certain components that are prone to significant period-to-period changes in order to facilitate the explanation of variances in the noninterest income and noninterest expense line items.

Management considers various measures when evaluating capital utilization and adequacy, including the tangible equity and tangible common equity (including and excluding AOCI), in addition to capital ratios defined by U.S. banking agencies. These calculations are intended to complement the capital ratios defined by U.S. banking agencies for both absolute and comparative purposes. These ratios are not formally defined by U.S. GAAP or codified in the federal banking regulations and, therefore, are considered to be non-GAAP financial measures. Management believes that providing the tangible common equity ratio excluding AOCI on certain assets and liabilities enables investors and others to assess the Bancorp’s use of equity without the effects of changes in AOCI, some of which are uncertain; providing the tangible common equity ratio including AOCI enables investors and others to assess the Bancorp’s use of equity if components of AOCI, such as unrealized gains or losses, were to be monetized.

Please note that although non-GAAP financial measures provide useful insight, they should not be considered in isolation or relied upon as a substitute for analysis using GAAP measures.

Please see reconciliations of all historical non-GAAP measures used in this release to the most directly comparable GAAP measures, beginning on the following page.

Fifth Third Bancorp and Subsidiaries

Non-GAAP Reconciliation

$ and shares in millions As of and For the Three Months Ended

(unaudited) June March December September June

2026 2026 2025 2025 2025

Net interest income $2,215 $1,934 $1,529 $1,520 $1,495

Add: Taxable equivalent adjustment 5 5 4 5 5

Net interest income (FTE) (a) 2,220 1,939 1,533 1,525 1,500

Net interest income (annualized) (b) 8,884 7,843 6,066 6,030 5,996

Net interest income (FTE) (annualized) (c) 8,904 7,864 6,082 6,050 6,016

Interest income 3,372 2,972 2,468 2,519 2,484

Add: Taxable equivalent adjustment 5 5 4 5 5

Interest income (FTE) 3,377 2,977 2,472 2,524 2,489

Interest income (FTE) (annualized) (d) 13,545 12,073 9,807 10,014 9,983

Interest expense (annualized) (e) 4,641 4,210 3,725 3,963 3,967

Average interest-earning assets (f) 264,989 237,961 194,144 193,500 192,682

Average interest-bearing liabilities (g) 190,452 172,326 143,518 143,096 142,913

Net interest margin (b) / (f) 3.35 % 3.30 % 3.12 % 3.12 % 3.11 %

Net interest margin (FTE) (c) / (f) 3.36 % 3.30 % 3.13 % 3.13 % 3.12 %

Net interest rate spread (FTE) (d) / (f) - (e) / (g) 2.67 % 2.63 % 2.45 % 2.41 % 2.40 %

Income before income taxes $1,036 $207 $912 $837 $808

Add: Taxable equivalent adjustment 5 5 4 5 5

Income before income taxes (FTE) 1,041 212 916 842 813

Net income available to common shareholders 763 128 699 608 591

Add: Intangible amortization, net of tax 48 34 5 5 5

Tangible net income available to common shareholders (h) 811 162 704 613 596

Tangible net income available to common shareholders (annualized) (i) 3,253 657 2,793 2,432 2,391

Average Bancorp shareholders’ equity

34,260 30,108 21,527 21,216 20,670

Less: Average preferred stock (2,182) (2,040) (1,770) (2,112) (2,116)

Average goodwill (9,973) (8,686) (4,947) (4,937) (4,918)

Average intangible assets (1,257) (841) (72) (77) (79)

Average tangible common equity, including AOCI (j) 20,848 18,541 14,738 14,090 13,557

Less: Average AOCI 3,377 3,080 3,137 3,520 3,935

Average tangible common equity, excluding AOCI (k) 24,225 21,621 17,875 17,610 17,492

Total Bancorp shareholders’ equity

34,423 34,106 21,724 21,107 21,124

Less: Preferred stock (2,182) (2,182) (1,770) (1,770) (2,116)

Goodwill (9,990) (9,966) (4,947) (4,947) (4,918)

Intangible assets (1,253) (1,233) (69) (76) (75)

Tangible common equity, including AOCI (l) 20,998 20,725 14,938 14,314 14,015

Less: AOCI 3,345 3,234 3,110 3,276 3,546

Tangible common equity, excluding AOCI (m) 24,343 23,959 18,048 17,590 17,561

Add: Preferred stock 2,182 2,182 1,770 1,770 2,116

Tangible equity (n) 26,525 26,141 19,818 19,360 19,677

Total assets 300,122 297,039 214,376 212,903 209,991

Less: Goodwill (9,990) (9,966) (4,947) (4,947) (4,918)

Intangible assets (1,253) (1,233) (69) (76) (75)

Tangible assets, including AOCI (o) 288,879 285,840 209,360 207,880 204,998

Less: AOCI, before tax 4,401 4,255 4,092 4,311 4,666

Tangible assets, excluding AOCI (p) $293,280 $290,095 $213,452 $212,191 $209,664

Common shares outstanding (q) 907 906 661 661 668

Tangible equity (n) / (p) 9.04 % 9.01 % 9.28 % 9.12 % 9.39 %

Tangible common equity (excluding AOCI) (m) / (p) 8.30 % 8.26 % 8.46 % 8.29 % 8.38 %

Tangible common equity (including AOCI) (l) / (o) 7.27 % 7.25 % 7.14 % 6.89 % 6.84 %

Tangible book value per share (including AOCI) (l) / (q) $23.15 $22.88 $22.60 $21.66 $20.98

Tangible book value per share (excluding AOCI) (m) / (q) $26.84 $26.44 $27.30 $26.61 $26.29

Fifth Third Bancorp and Subsidiaries

Non-GAAP Reconciliation

$ in millions For the Three Months Ended

(unaudited) June March June

2026 2026 2025

Net income (r) $801 $165 $628

Net income (annualized) (s) 3,213 669 2,519

Adjustments (pre-tax items)

Merger-related charges 203 657 —

Non-qualified deferred compensation expense/(benefit) 30 (9) 16

Securities repositioning losses 10 — —

Technology-related asset impairments 7 — —

Severance expense 7 — 15

Interchange litigation matters 2 (8) 1

Merger-related Day 1 ACL build — 83 —

Other securities (gains)/losses, net (30) 12 (16)

Adjustments, pre-tax 229 735 16

Applicable income tax expense on adjustments 54 166 4

Adjustments, after-tax (t)(a)(b)

175 569 12

Noninterest income (u) 1,059 895 750

Securities repositioning losses 10 — —

Interchange litigation matters 1 (8) 1

Merger-related charges — 22 —

Noninterest income excluding certain item(s) 1,070 909 751

Other securities (gains)/losses, net (30) 12 (16)

Adjusted noninterest income, excluding certain items and securities losses (v) 1,040 921 735

Noninterest expense (w) 2,109 2,395 1,264

Merger-related charges (203) (635) —

Technology-related asset impairments (7) — —

Severance expense (7) — (15)

Interchange litigation matters (1) — —

Noninterest expense excluding certain item(s) 1,891 1,760 1,249

Non-qualified deferred compensation (expense)/benefit (30) 9 (16)

Adjusted noninterest expense, excluding certain items and non-qualified deferred compensation (x) 1,861 1,769 1,233

Adjusted net income (r) + (t) 976 734 640

Adjusted net income (annualized) (y) 3,915 2,977 2,567

Adjusted tangible net income available to common shareholders (h) + (t) 986 731 608

Adjusted tangible net income available to common shareholders (annualized) (z) 3,955 2,965 2,439

Average assets (aa) $297,947 $265,551 $210,554

Return on average tangible common equity (i) / (j) 15.6 % 3.5 % 17.6 %

Return on average tangible common equity excluding AOCI (i) / (k) 13.4 % 3.0 % 13.7 %

Adjusted return on average tangible common equity, including AOCI (z) / (j) 19.0 % 16.0 % 18.0 %

Adjusted return on average tangible common equity, excluding AOCI (z) / (k) 16.3 % 13.7 % 13.9 %

Return on average assets (s) / (aa) 1.08 % 0.25 % 1.20 %

Adjusted return on average assets (y) / (aa) 1.31 % 1.12 % 1.22 %

Efficiency ratio (FTE) (w) / [(a) + (u)] 64.3 % 84.5 % 56.2 %

Adjusted efficiency ratio (x) / [(a) + (v)] 57.1 % 61.9 % 55.2 %

Total revenue (FTE) (a) + (u) $3,279 $2,834 $2,250

Adjusted total revenue (FTE) (a) + (v) $3,260 $2,860 $2,235

Pre-provision net revenue (PPNR) (a) + (u) - (w) $1,170 $439 $986

Adjusted pre-provision net revenue (PPNR) (a) + (v) - (x) $1,399 $1,091 $1,002

Totals may not foot due to rounding.

(a) Assumes a 24% tax rate.

(b) A portion of the adjustments related to merger-related expenses are not tax-deductible.

Fifth Third Bancorp and Subsidiaries

Segment Presentation

$ in millions

(unaudited)

For the three months ended June 30, 2026 Commercial Banking Consumer and Small Business Banking

Wealth

and Asset Management

General Corporate

and Other

Total

Net interest income (FTE)(a)

$1,115 $1,237 $113 $(245) $2,220

(Provision for) benefit from credit losses (25) (82) 4 (26) (129)

Net interest income after (provision for) benefit from credit losses 1,090 1,155 117 (271) 2,091

Noninterest income 507 321 186 45 1,059

Noninterest expense (757) (860) (185) (307) (2,109)

Income (loss) before income taxes (FTE)(a)

$840 $616 $118 $(533) $1,041

For the three months ended March 31, 2026 Commercial Banking Consumer and Small Business Banking

Wealth

and Asset Management

General Corporate

and Other

Total

Net interest income (FTE)(a)

$878 $1,073 $83 $(95) $1,939

(Provision for) benefit from credit losses (158) (89) — 20 (227)

Net interest income after (provision for) benefit from credit losses 720 984 83 (75) 1,712

Noninterest income 441 298 164 (8) 895

Noninterest expense (734) (810) (183) (668) (2,395)

Income (loss) before income taxes (FTE)(a)

$427 $472 $64 $(751) $212

For the three months ended December 31, 2025

Commercial Banking Consumer and Small Business Banking

Wealth

and Asset Management

General Corporate

and Other

Total

Net interest income (FTE)(a)

$581 $1,026 $52 $(126) $1,533

(Provision for) benefit from credit losses (46) (84) — 11 (119)

Net interest income after (provision for) benefit from credit losses 535 942 52 (115) 1,414

Noninterest income 386 311 111 3 811

Noninterest expense (476) (645) (97) (91) (1,309)

Income (loss) before income taxes (FTE)(a)

$445 $608 $66 $(203) $916

For the three months ended September 30, 2025

Commercial Banking Consumer and Small Business Banking

Wealth

and Asset Management

General Corporate

and Other

Total

Net interest income (FTE)(a)

$594 $1,082 $55 $(206) $1,525

(Provision for) benefit from credit losses (246) (73) — 122 (197)

Net interest income after (provision for) benefit from credit losses 348 1,009 55 (84) 1,328

Noninterest income 357 309 109 6 781

Noninterest expense (454) (653) (93) (67) (1,267)

Income (loss) before income taxes (FTE)(a)

$251 $665 $71 $(145) $842

For the three months ended June 30, 2025

Commercial Banking Consumer and Small Business Banking

Wealth

and Asset Management

General Corporate

and Other

Total

Net interest income (FTE)(a)

$595 $1,085 $57 $(237) $1,500

(Provision for) benefit from credit losses (79) (84) 2 (12) (173)

Net interest income after (provision for) benefit from credit losses 516 1,001 59 (249) 1,327

Noninterest income 321 293 101 35 750

Noninterest expense (453) (646) (95) (70) (1,264)

Income (loss) before income taxes (FTE)(a)

$384 $648 $65 $(284) $813

(a) Includes taxable equivalent adjustments of $5 million for the three months ended June 30, 2026 and March 31, 2026, $4 million for the three months ended December 31, 2025 and $5 million for the three months ended September 30, 2025 and June 30, 2025.

EX-99.2

Filename: fifththirdbancorppresent.htm · Sequence: 3

fifththirdbancorppresent

2Q26 Earnings Presentation July 17, 2026 Refer to earnings release dated July 17, 2026 for further information.

© Fifth Third Bancorp | All Rights Reserved This presentation contains statements that we believe are “forward-looking statements” within the meaning of Section 27A of the Securities Act of 1933, as amended, and Rule 175 promulgated thereunder, and Section 21E of the Securities Exchange Act of 1934, as amended, and Rule 3b-6 promulgated thereunder. All statements other than statements of historical fact are forward-looking statements. These statements relate to our financial condition, results of operations, plans, objectives, future performance, capital actions or business. They usually can be identified by the use of forward-looking language such as “will likely result,” “may,” “are expected to,” “is anticipated,” “potential,” “estimate,” “forecast,” “projected,” “intends to,” or may include other similar words or phrases such as “believes,” “plans,” “trend,” “objective,” “continue,” “remain,” or similar expressions, or future or conditional verbs such as “will,” “would,” “should,” “could,” “might,” “can,” or similar verbs. You should not place undue reliance on these statements, as they are subject to risks and uncertainties, including but not limited to the risk factors set forth in our most recent Annual Report on Form 10-K as updated by our filings with the U.S. Securities and Exchange Commission (“SEC”). 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) any instability or disruption in the financial system, including those caused by actual or perceived issues affecting the soundness of other financial institutions or market participants; (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’s 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’s capital plan; (20) regulation of Fifth Third’s 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’s 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’s 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’s 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 merger with Comerica Incorporated, including Fifth Third’s inability to realize the anticipated benefits of the merger and potential disruption to Fifth Third’s business resulting from post-merger integration. You should refer to our periodic and current reports filed with the Securities and Exchange Commission, or “SEC,” for further information on other factors, which could cause actual results to be significantly different from those expressed or implied by these forward-looking statements. Moreover, you should treat these statements as speaking only as of the date they are made and based only on information then actually known to us. We expressly disclaim any obligation or undertaking to release publicly any updates or revisions to any forward-looking statements contained herein to reflect any change in our expectations or any changes in events, conditions or circumstances on which any such statement is based, except as may be required by law, and we claim the protection of the safe harbor for forward-looking statements contained in the Private Securities Litigation Reform Act of 1995. The information contained herein is intended to be reviewed in its totality, and any stipulations, conditions or provisos that apply to a given piece of information in one part of this press release should be read as applying mutatis mutandis to every other instance of such information appearing herein. Annualized, pro forma, projected and estimated numbers are used for illustrative purpose only, are not forecasts and may not reflect actual results. In this presentation, we may sometimes provide non-GAAP financial information. Please note that although non-GAAP financial measures provide useful insight to analysts, investors and regulators, they should not be considered in isolation or relied upon as a substitute for analysis using GAAP measures. We provide a discussion of non-GAAP measures and reconciliations to the most directly comparable GAAP measures in later slides in this presentation, as well as on pages 27 through 29 of our 2Q26 earnings release. Management does not provide a reconciliation for forward-looking non-GAAP financial measures where it is unable to provide a meaningful or accurate calculation or estimation of reconciling items and the information is not available without unreasonable effort. This is due to the inherent difficulty of forecasting the occurrence and the financial impact of various items that have not yet occurred, are out of the Bancorp's control or cannot be reasonably predicted. For the same reasons, Bancorp's management is unable to address the probable significance of the unavailable information. Forward-looking non-GAAP financial measures provided without the most directly comparable GAAP financial measures may vary materially from the corresponding GAAP financial measures. Cautionary statement 2

© Fifth Third Bancorp | All Rights Reserved For end note descriptions, see end note summary starting on page 43 Key Messages 3 Growth runway is broadening across markets, customer relationships and fee businesses Comerica thesis is working, with client momentum emerging and Labor Day systems conversion on track to unlock the full $850 million expense synergy run-rate in 4Q26 Combined company earnings power is becoming visible through higher returns, improved operating efficiency, and tangible book value per share1 growth Disciplined funding actions are improving franchise quality while supporting NII and NIM1 expansion in a competitive deposit environment

© Fifth Third Bancorp | All Rights Reserved • Net interest margin2 expanded 6 basis points with interest- bearing deposit costs declining 2 bps • Adjusted efficiency ratio2 improved 480 bps to 57.1% • Legacy Fifth Third consumer household growth of 3% year-over-year, including 7% in the Southeast • Net charge-offs3 of 30 basis points, lowest level in three years, with continued stability in commercial and consumer credit portfolios • Adjusted return on assets2 increased 19 basis points to 1.31% • 10% year-over-year tangible book value per share2 growth reflects strong earnings generation and acquisition accretion Reported1 Adjusted1 EPS $0.83 $1.02 ROA 1.08% 1.31% ROE 9.5% 11.7% ROTCE 15.6% 19.0% NIM 3.36% 3.36% Efficiency ratio 64.3% 57.1% PPNR $1,170MM $1,399MM CET14 9.9% For end note descriptions, see end note summary starting on page 43 2Q26 highlights 4 Comparisons in the bullet points are for 2Q26 versus 1Q26, unless otherwise noted

© Fifth Third Bancorp | All Rights Reserved $1.50 $1.53 $1.53 $1.94 $2.22 3.12% 3.13% 3.13% 3.30% 3.36% NII NIM 2Q25 3Q25 4Q25 1Q26 2Q26 NII $ in millions; NIM change in bps 1Q26 to 2Q26 NII & NIM walk T o ta l n et in te re st in co m e; $ b ill io ns Net interest income1 5 For end note descriptions, see end note summary starting on page 43 NII NIM 1Q26 $1,939 3.30% Additional month of Comerica 196 3 Deposit performance 40 2 Fixed-rate asset repricing 15 1 Loan growth 15 1 Day count (1 more day) 15 (1) 2Q26 $2,220 3.36%

© Fifth Third Bancorp | All Rights Reserved • Noninterest income excluding certain items1 of $1.04 billion increased $119 million, or 13%, compared to the prior quarter and increased $305 million, or 41%, from the year-ago quarter • Broad-based fee growth reflecting the full-quarter Comerica contribution and continued business momentum, with wealth and asset management and commercial payments fees each achieving $1 billion-plus annualized run-rate Noninterest income T o ta l n o ni nt er es t in co m e; $ m ill io ns For end note descriptions, see end note summary starting on page 43 6 $ millions 2Q26 PQ YoY Wealth and asset management revenue $256 10% 54% Commercial payments revenue 254 17% 67% Consumer banking revenue 161 10% 10% Capital markets fees 154 15% 71% Commercial banking revenue 125 19% 58% Mortgage banking net revenue 39 (11)% (30)% Other noninterest income 50 85% 14% Securities (losses)/gains, net 20 NM 25% Noninterest income $1,059 18% 41% Impact of certain items (19) Adjusted noninterest income (excl. securities gains/losses, net)1,2 $1,040 13% 41% $750 $781 $811 $895 $1,059 $735 $789 $812 $921 $1,040 Noninterest income Adjusted noninterest income (excl. securities gains/losses, net)¹² 2Q25 3Q25 4Q25 1Q26 2Q26

© Fifth Third Bancorp | All Rights Reserved $1,264 $1,267 $1,309 $2,395 $2,109 $1,233* $1,253* $1,273* $1,769* $1,861* 55.2% 54.1% 54.3% 61.9% 57.1% Adjusted noninterest expense¹* Noninterest expense Adjusted Efficiency Ratio¹ 2Q25 3Q25 4Q25 1Q26 2Q26 T o ta l n o ni nt er es t ex p en se ; $ m ill io ns Noninterest expense 7 $ in millions 2Q26 1Q26 2Q25 Non-qualified deferred compensation expense/ (benefit), primarily offset in securities gains/losses $30 ($9) $16 For end note descriptions, see end note summary starting on page 43 $ millions 2Q26 PQ YoY Compensation and benefits $1,129 (20)% 62% Technology and communications 250 23% 98% Net occupancy expense 154 10% 86% Card and processing expense 66 (16)% 200% Equipment expense 60 9% 46% Marketing expense 65 30% 51% Loan and lease expense 53 26% 47% Other noninterest expense 332 (20)% 54% Total noninterest expense $2,109 (12)% 67% Impact of certain items (218) Noninterest expense excluding certain item(s)1 $1,891 7 51% Non-qualified deferred compensation (expense)/benefit (30) Adjusted noninterest expense, excluding certain item(s)1 and non-qualified deferred compensation $1,861 5% 51% • Adjusted noninterest expense1 increased 5% compared to the prior quarter and increased 51% from the year-ago quarter • Expenses in the quarter were impacted by integration- related technology and communications expense, along with increased marketing spend supporting the Comerica deposit campaign, partially offset by lower compensation and benefits expense • The full $850 million of annualized run-rate expense synergies is on track for the fourth quarter

© Fifth Third Bancorp | All Rights Reserved Solar energy installation Average loan & lease balances excluding HFS $123.1 $123.3 $123.4 $157.6 $177.6 $75.4 $74.9 $74.6 $105.9 $124.1 $47.7 $48.4 $48.8 $51.8 $53.5 6.11% 6.12% 5.96% 5.88% 5.86% Commercial Consumer Total loan yield 2Q25 3Q25 4Q25 1Q26 2Q26 $122.4 $123.1 $122.7 $176.3 $178.5 $74.2 $74.4 $73.6 $122.9 $124.9 $48.2 $48.7 $49.1 $53.4 $53.6 Commercial Consumer 2Q25 3Q25 4Q25 1Q26 2Q26 Loans Loan portfolio compositionAverage loan & lease balances $ in billions; loan & lease balances excluding HFS Period-end loan & lease balances $ in billions; loan & lease balances excluding HFS 8 Note: totals shown above may not foot due to rounding 48% 20% 2% 11% 10% 4% 2%3% Commercial and industrial Commercial real estate Commercial leases Residential mortgage Home equity Indirect secured consumer Credit card and other % of Total Loans Commercial: 70% Consumer: 30%

© Fifth Third Bancorp | All Rights Reserved 4.50% 4.25% 3.75% 3.75% 3.75% 1.80% 1.81% 1.71% 1.58% 1.54% Fed Funds Rate Total Cost of Deposits 2Q25 3Q25 4Q25 1Q26 2Q26 Total cost of deposits Total deposit mixAverage deposit balances $163.6 $164.8 $168.4 $209.4 $231.5 $161.4 $162.5 $166.4 $206.5 $228.5 2.39% 2.41% 2.28% 2.15% 2.13% Core Deposits CDs > $250K Total interest-bearing deposit costs 2Q25 3Q25 4Q25 1Q26 2Q26 $ in billions Demand, 28% Interest checking, 30% Money market and savings, 35% Time deposits, 7% $232B Average Deposits $161.4 $162.5 $166.4 $206.5 $228.5 $120.5 $121.3 $124.7 $150.8 $164.5$40.9 $41.2 $41.8 $55.8 $64.0 25.3% 25.4% 25.1% 27.0% 28.0% Interest-Bearing $ Non Interest-Bearing $ Non Interest-Bearing % 2Q25 3Q25 4Q25 1Q26 2Q26 Core deposit trends (average) $ in billions Deposits Note: Totals shown above may not foot due to rounding 9

© Fifth Third Bancorp | All Rights Reserved Net charge-offs (NCOs) $139 $339 $125 $144 $135 $139 $339 $125 $144 2Q25 3Q25 4Q25 1Q26 2Q26 Credit quality overview 10 2Q25 3Q25 4Q25 1Q26 2Q26 NPL ratio 0.70% 0.62% 0.62% 0.54% 0.58% NPA ratio1 0.72% 0.65% 0.65% 0.57% 0.60% 30-89 days past due as a % of portfolio loans and leases 0.23% 0.28% 0.29% 0.39% 0.31% NCO ratio2 0.45% 1.09% 0.40% 0.37% 0.30% ACL ratio as a % of portfolio loans and leases 2.09% 1.96% 1.96% 1.79% 1.76% Nonperforming loans (NPLs) $853 $768 $767 $960 $1,041 2Q25 3Q25 4Q25 1Q26 2Q26 Portfolio loans & leases 30-89 days past due $277 $348 $360 $683 $561 2Q25 3Q25 4Q25 1Q26 2Q26 $ in millions For end note descriptions, see end note summary starting on page 43

© Fifth Third Bancorp | All Rights Reserved 2Q17 2Q18 2Q19 2Q20 2Q21 2Q22 2Q23 2Q24 2Q25 2Q26 0.00% 0.50% 1.00% 1.50% Historical net charge-off and NPA ratios Net charge-off ratio Non-performing assets ratio2 2Q17 2Q18 2Q19 2Q20 2Q21 2Q22 2Q23 2Q24 2Q25 2Q26 0.00% 0.50% 1.00% 1.50% Commercial net charge-off ratio 2Q17 2Q18 2Q19 2Q20 2Q21 2Q22 2Q23 2Q24 2Q25 2Q26 0.00% 0.50% 1.00% 1.50% 2Q17 2Q18 2Q19 2Q20 2Q21 2Q22 2Q23 2Q24 2Q25 2Q26 0.00% 0.50% 1.00% 1.50% Consumer net charge-off ratio 2Q26 0.21% 2Q26 0.30% 2Q26 0.53% 10-year average excluding COVID1 10-year average excluding COVID1 10-year average excluding COVID1 10-year average excluding COVID1 For end note descriptions, see end note summary starting on page 43 11 2Q26 0.60%

© Fifth Third Bancorp | All Rights Reserved 9.9% 31 bps (12 bps) 0 bps (15 bps) 1 bps 9.9% 1Q26 Net income to common RWA Share repurchases Common dividends Other 2Q26 12 Strong liquidity and capital position Liquidity position $ in billions Capital position Common equity tier 1 ratio1 For end note descriptions, see end note summary starting on page 43; totals shown above may not foot due to rounding Liquidity Sources 3/31/26 6/30/26 Fed reserves $16 $18 Unpledged investment securities $31 $32 Available FHLB borrowing capacity $15 $13 Current Fed discount window availability $76 $78 Total $138 $141 • Maintained full Category 1 LCR compliance during the quarter, ending at 107% • Loan-to-core deposit ratio of 77% • Robust liquidity risk management practices, including: – Daily LCR calculations – Monthly liquidity stress tests, including two FITB- specific scenarios over and above regulatory requirements – Monthly 2052a complex liquidity monitoring reporting Common equity tier 1 ratio1 Common equity tier 1 ratio inclusive of AOCI2 10.6% 10.6% 10.8% 9.9% 9.9% 8.6% 8.8% 9.1% 8.7% 8.7% Reported CET1 Ratio CET1 inclusive of AOCI 2Q25 3Q25 4Q25 1Q26 2Q26

© Fifth Third Bancorp | All Rights Reserved As of July 17, 2026; please see cautionary statements on page 2. Current expectations Full year 2026 13 For end note descriptions, see end note summary starting on page 43 Full year 2026 Avg. loans & leases (Including HFS) $174 - 176 billion Net interest income1 (FY25 baseline: $6.00 billion) $8.74 - $8.80 billion assumes 12/31/26 Fed funds rate of 4.00% and includes the impact of purchase accounting accretion Noninterest income1 (FY25 baseline: $3.06 billion; excludes securities g/l) $4.06 - $4.16 billion Noninterest expense1 (FY25 baseline: $5.07 billion; excludes the mark-to-market impact of non-qualified deferred compensation) $7.22 - $7.26 billion Includes the impact of anticipated CDI amortization (~$210MM) and excludes acquisition related charges Net charge-off ratio 30 - 40 bps Effective tax rate 22 - 23%

© Fifth Third Bancorp | All Rights Reserved As of July 17, 2026; please see cautionary statements on page 2. Current expectations 3Q26 14 For end note descriptions, see end note summary starting on page 43 3Q26 Avg. loans & leases (Including HFS) up 1% Net interest income1 (2Q26 baseline: $2.22 billion) up 2 - 2.5% assumes 9/30/26 Fed funds rate of 4.00% and includes the impact of purchase accounting accretion Noninterest income1 (2Q26 baseline: $1.04 billion; excludes securities g/l) up 1 - 3% Noninterest expense1 (2Q26 baseline: $1.86 billion; excludes the mark-to-market impact of non-qualified deferred compensation) down 1 - 2% Includes the impact of anticipated CDI amortization (~$60MM) and excludes acquisition related charges Net charge-off ratio 30 - 35 bps Effective tax rate 22.5%

© Fifth Third Bancorp | All Rights Reserved Consumer and Business Banking Digital Metrics Average Active Digital Users (Millions) 3.17 3.19 3.19 3.25 3.27 2Q25 3Q25 4Q25 1Q26 2Q26 Digital Engagement Digital Originations Average Active Mobile Users (Millions) 2.43 2.47 2.49 2.53 2.57 2Q25 3Q25 4Q25 1Q26 2Q26 Digital Assisted Mortgage Applications 97% 98% 98% 97% 98% 2Q25 3Q25 4Q25 1Q26 2Q26 New Consumer Deposit Accounts 28% 28% 31% 33% 29% 2Q25 3Q25 4Q25 1Q26 2Q26 2Q26 App Enhancements Launched intuitive AI- powered navigation experience 16 For end note descriptions, see end note summary starting on page 43 1 2 Introduced SmartShield® Report Phishing to help customers combat financial crimes

© Fifth Third Bancorp | All Rights Reserved 24% 23% 17% 14% 12% 5% 5% Strategic investments resulting in fee diversification and growth • Total pro-forma fee revenue1 accounted for ~33% of total pro-forma revenue for the last twelve months ending 6/30/26 • Focused on diversifying revenue to lessen cyclical impacts, with success in Wealth & Asset Management, Capital Markets and Commercial Payments 17 Fee revenue mix is well-diversified LTM 2Q26 pro-forma noninterest income mix1,2 Wealth & Asset Management Capital Markets Mortgage Banking Other Noninterest Income Consumer Banking Commercial Banking Commercial Payments Fee contribution as a percent of revenue stands out favorably relative to peers LTM 2Q26 pro-forma noninterest income as a percent of pro-forma revenue2, unless otherwise noted LTM 2Q26 pro-forma noninterest income $4.2B 33% 29% LTM 1Q26 Peer Median For end note descriptions, see end note summary starting on page 43

© Fifth Third Bancorp | All Rights Reserved $75.4 $74.9 $74.6 $105.9 $124.1 $74.2 $74.4 $73.6 $122.9 $124.9 Average Period-end 2Q25 3Q25 4Q25 1Q26 2Q26 2Q25 1Q26 2Q26 NCO ratio1 0.38% 0.26% 0.21% 30-89 delinquencies 0.06% 0.37% 0.26% 90+ delinquencies 0.01% 0.02% 0.00% Nonperforming loans2 0.69% 0.47% 0.49% Portfolio loans and leases $ in billions Key statistics Total commercial portfolio overview Average QoQ change 1.0% (0.7%) (0.4%) 41.9% 17.2% Period-end QoQ change (1.3%) 0.4% (1.2%) 67.0% 1.6% Commercial portfolio mix 69% 22% 7% 3% C&I Commercial mortgage Commercial construction Commercial leases For end note descriptions, see end note summary starting on page 43; totals shown above may not foot due to rounding 18

© Fifth Third Bancorp | All Rights Reserved $54.1 $54.2 $53.9 $73.3 $85.0 $53.3 $53.9 $52.7 $83.9 $85.7 Average Period-end 2Q25 3Q25 4Q25 1Q26 2Q26 19 Key statistics Revolving line utilization trend3 Commercial and industrial overview 35.5% 36.1% 35.5% 36.2% 37.0% 36.5% 36.7% 34.9% 40.7% 40.8% 1Q24 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25 1Q26 2Q26 Portfolio loans $ in billions Average QoQ change 1.3% 0.2% (0.4%) 35.8% 16.0% Period-end QoQ change (0.7%) 1.2% (2.2%) 59.0% 2.2% For end note descriptions, see end note summary starting on page 43; totals shown above may not foot due to rounding 2Q25 1Q26 2Q26 NCO ratio1 0.51% 0.38% 0.31% 30-89 delinquencies 0.05% 0.38% 0.18% 90+ delinquencies 0.01% 0.00% 0.00% Nonperforming loans2 0.86% 0.50% 0.53%

© Fifth Third Bancorp | All Rights Reserved Note: Totals shown above may not foot due to rounding Non-depository financial institution portfolio 32% 23% 23% 11% 11% NDFI portfolio characteristics 2Q26 $13.1B¹ 7% of loans $ in billions; as of 6/30/26 Consumer Warehouse Consumer Finance Securitization Vehicles Real Estate Institutional CRE, Residential Mortgage Warehouse, Mortgage Servicing Rights Private Capital Warehouse Corporate Debt Facilities, BDC Subscription Lines Capital Call Facilities, SBIC Funds Corporate Credit Facilities Payments, Insurance, Financial Intermediaries Relationship focused main street lender with lower NDFI exposure Private Capital Warehouse characteristics • 2nd lowest exposure to NDFIs among peers2 • 89% of the NDFI portfolio is investment grade or equivalent • 2Q26 criticized rate of 54 bps; down 1 bp sequentially • Zero losses in last 10 years across Real Estate, Subscription Lines and Private Capital Warehouse3 • Senior-positioned, well-collateralized and deliberately sized within risk appetite • Tight internal concentration limits actively monitored and enforced through independent risk governance • BDC balances limited, totaling $263 million or just 0.15% of total loans 20

© Fifth Third Bancorp | All Rights Reserved Financial Services 17% Rental and Leasing 13% Entertainment 12% Retail 12% Business Services 8% Manufacturing 8% Wholesale Trade 8% Other 24% 21 High quality Shared National Credit portfolio SNC portfolio $46.4BN ~26% of total loans Shared National Credit portfolio is well diversified Industry mix Key statistics For end note descriptions, see end note summary starting on page 43; totals shown above may not foot due to rounding $ in billions; as of 6/30/26 2Q25 1Q26 2Q26 Loan balance $32.5 $45.5 $46.4 Nonperforming loans2 0.85% 0.35% 0.36% NCO Ratio1 0.34% 0.35% 0.35% • ~60% of SNC balances are at or near investment grade equivalent borrowers; independently underwrite each transaction • Lead left/lead right on ~50% of relationships • Criticized assets are lower than the rest of the commercial portfolio over a multi-year period

© Fifth Third Bancorp | All Rights Reserved 22 Low concentration in leveraged lending Note: Totals shown above may not foot due to rounding Total loan portfolio composition Manufacturing Wholesale Trade Arts, Entertainment, and Recreation Admin, Support & Other Services Information Accommodation & Food Services Professional, Scientific, and Technical Services Retail Trade Healthcare & Other Social Assistance Finance & Insurance Other Diversified leveraged portfolio Total Loans $179.4 Billion as of 6/30/26 as of 6/30/26 • Significant reduction in leveraged lending portfolio as a percent of total loans – Represents ~2% of loans vs ~8% in 2015 • Leveraged criticized asset ratio remains well below the 5-year average $3.3 Billion Leveraged 1.9%

© Fifth Third Bancorp | All Rights Reserved Portfolio loans 44% 19% 17% 12% 4% 2% 2% 56%44% Commercial real estate overview CRE mortgage Balance by occupancy CRE construction Balance by property type Industrial RetailOffice Hospitality Other Home builder Non-Owner occupied Owner occupied Multifamily 28% Industrial 16% Other 16% Hospitality 9% Office 8% Non-owner occupied property type mix $18.2 $17.6 $17.5 $29.2 $35.6 $17.7 $17.3 $17.5 $35.5 $35.7 $5.8 $5.5 $5.4 $7.3 $8.4 $12.4 $12.0 $12.1 $22.0 $27.2 $5.6 $5.3 $5.3 $8.3 $8.5 $12.1 $11.9 $12.2 $27.1 $27.2 2Q25 3Q25 4Q25 1Q26 2Q26 23 Medical Office 7% For end note descriptions, see end note summary starting on page 43; totals shown above may not foot due to rounding Period-end QoQ change (3.5%) (2.3%) 1.7% 102.2% 0.5% $ in billions Average QoQ change 0.3% (3.6%) (0.5%) 67.3% 21.8% 2Q25 1Q26 2Q26 NCO ratio1 0.07% 0.00% (0.01%) 30-89 delinquencies 0.03% 0.36% 0.44% 90+ delinquencies 0.02% 0.06% 0.00% Nonperforming loans2 0.27% 0.44% 0.44% Key statistics Period-end - Commercial mortgageAverage - Commercial mortgage Period-end - Commercial constructionAverage - Commercial construction Multifamily Retail 15%

© Fifth Third Bancorp | All Rights Reserved Period-end QoQ change 2.5% 1.0% 0.8% 8.8% 0.5% $47.7 $48.4 $48.8 $51.8 $53.5 $48.2 $48.7 $49.1 $53.4 $53.6 2Q25 3Q25 4Q25 1Q26 2Q26 15% 16% 66% 2Q25 1Q26 2Q26 NCO ratio1 0.56% 0.58% 0.53% 30-89 delinquencies 0.47% 0.44% 0.45% 90+ delinquencies 0.05% 0.04% 0.05% Nonperforming loans2 0.72% 0.72% 0.79% Weighted average FICO at origination3 768 768 768 Weighted average LTV at origination 79% 78% 79% Total consumer portfolio overview 24 Portfolio FICO score at origination3 $ in billions Portfolio loans 2% For end note descriptions, see end note summary starting on page 43; totals shown above may not foot due to rounding Average QoQ change 2.3% 1.6% 0.9% 6.0% 3.3% Key statistics 750+720-749<660 660-719 Period-endAverage

© Fifth Third Bancorp | All Rights Reserved Period-end QoQ change 0.6% (0.2%) —% 10.5% 1.1% Average QoQ change 0.4% 0.2% —% 6.7% 4.1% 12% 15% 69% Weighted average FICO at origination3 764 763 762 Weighted average LTV at origination 74% 74% 74% Residential mortgage overview 25 $17.6 $17.7 $17.7 $18.8 $19.6 $17.7 $17.6 $17.7 $19.5 $19.7 2Q25 3Q25 4Q25 1Q26 2Q26 4% For end note descriptions, see end note summary starting on page 43; totals shown above may not foot due to rounding $ in billions Portfolio loans 2Q25 1Q26 2Q26 NCO ratio1 (0.01%) (0.01%) —% 30-89 delinquencies 0.17% 0.16% 0.24% 90+ delinquencies 0.05% 0.04% 0.06% Nonperforming loans2 0.81% 0.84% 0.89% Key statistics 750+720-749<660 660-719 Portfolio FICO score at origination3 Period-endAverage

© Fifth Third Bancorp | All Rights Reserved 16% 15% 68% $4.4 $4.6 $4.8 $6.1 $6.8 $4.5 $4.7 $4.8 $6.7 $6.9 2Q25 3Q25 4Q25 1Q26 2Q26 Weighted average FICO at origination3 770 773 774 Weighted average LTV at origination 65% 64% 63% Home equity overview 26 1% For end note descriptions, see end note summary starting on page 43; totals shown above may not foot due to rounding Period-end QoQ change 5.2% 4.3% 3.6% 39.0% 2.9% Average QoQ change 3.8% 4.5% 4.1% 27.2% 12.6% $ in billions Portfolio loans Period-endAverage 750+720-749<660 660-719 Portfolio FICO score at origination3 2Q25 1Q26 2Q26 NCO ratio1 0.02% 0.01% (0.02%) 30-89 delinquencies 0.54% 0.49% 0.46% 90+ delinquencies 0.00% 0.00% 0.00% Nonperforming loans2 1.67% 1.54% 1.89% Key statistics

© Fifth Third Bancorp | All Rights Reserved 84% 16% 17% 17% 65% Indirect secured consumer overview 27 Portfolio FICO score at origination *Includes primarily RV & Marine $17.2 $17.7 $17.9 $18.1 $18.2$17.6 $17.9 $18.0 $18.3 $18.2 2Q25 3Q25 4Q25 1Q26 2Q26 1% Weighted average FICO at origination 773 774 773 Weighted average LTV at origination 88% 89% 89% For end note descriptions, see end note summary starting on page 43; totals shown above may not foot due to rounding Period-end QoQ change 4.7% 1.7% 0.4% 1.8% (0.6%) Average QoQ change 4.7% 2.8% 0.8% 1.3% 0.7% $ in billions Portfolio loans Period-endAverage 2Q25 1Q26 2Q26 NCO ratio1 0.37% 0.54% 0.40% 30-89 delinquencies 0.70% 0.61% 0.59% 90+ delinquencies 0.00% 0.00% 0.00% Nonperforming loans2 0.37% 0.32% 0.34% Key statistics 750+720-749<660 660-719 Portfolio FICO score at origination Auto Specialty Lending*

© Fifth Third Bancorp | All Rights Reserved 27% 19% 49% Credit card overview 28 $1.7 $1.7 $1.7 $1.7 $1.6$1.7 $1.7 $1.7 $1.7 $1.7 2Q25 3Q25 4Q25 1Q26 2Q26 Weighted average FICO at origination3 743 743 743 5% Period-end QoQ change 2.8% (0.9%) 3.3% (5.1%) 1.5% Average QoQ change 2.0% 1.1% 1.0% (2.1%) (0.8%) $ in billions Portfolio loans For end note descriptions, see end note summary starting on page 43; totals shown above may not foot due to rounding Period-endAverage 2Q25 1Q26 2Q26 NCO ratio1 3.74% 3.51% 3.60% 30-89 delinquencies 1.00% 0.97% 0.89% 90+ delinquencies 1.05% 1.03% 0.95% Nonperforming loans2 1.70% 1.81% 1.72% Key statistics Portfolio FICO score at origination3 750+720-749<660 660-719

© Fifth Third Bancorp | All Rights Reserved $4.3 $4.4 $4.5 $4.5 $4.4$4.3 $4.4 $4.6 $4.5 $4.3 2Q25 3Q25 4Q25 1Q26 2Q26 15% 20% 66% Weighted average FICO at origination 773 771 771 Solar energy installation overview 29 For end note descriptions, see end note summary starting on page 43; totals shown above may not foot due to rounding Period-end QoQ change 1.3% 2.7% 2.9% (2.1%) (3.4%) Average QoQ change 1.1% 2.0% 3.0% 0.7% (2.9%) $ in billions Portfolio loans 2Q25 1Q26 2Q26 NCO ratio1 1.86% 2.03% 2.25% 30-89 delinquencies 0.39% 0.56% 0.56% 90+ delinquencies 0.00% 0.00% 0.00% Nonperforming loans2 0.60% 0.58% 0.53% Key statistics Period-endAverage Portfolio FICO score at origination 750+720-749660-719

© Fifth Third Bancorp | All Rights Reserved Allowance for credit losses 30 For end note descriptions, see end note summary starting on page 43; totals shown above may not foot due to rounding Allowance for loan & lease losses Amount % of portfolio loans & leases 1Q26 2Q25 Commercial and industrial loans $1,142 1.33% (0.05%) (0.36%) Commercial mortgage loans 511 1.88% (0.03)% (0.79%) Commercial construction loans 113 1.34% (0.15%) 0.40% Commercial leases 22 0.63% 0.01% 0.13 Total commercial loans and leases $1,788 1.43% (0.05%) (0.31%) Residential mortgage loans 103 0.52% (0.03) (0.24%) Home equity 93 1.34% (0.06%) (0.73%) Indirect secured consumer loans 321 1.77% 0.05% (0.03%) Credit card 149 8.85% 0.04% (0.17%) Solar energy installation loans 352 8.16% 0.68% 1.05% Other consumer loans 112 3.97% 0.12% (0.66%) Total consumer loans 1,130 2.11% 0.05% (0.21%) Allowance for loan & lease losses 2,918 1.63% (0.03%) (0.34%) Reserve for unfunded commitments1 230 Allowance for credit losses $3,148 1.76% (0.03%) (0.33%) Compared to: Allocation of allowance by product $ in millions 2Q26 Change in rate

© Fifth Third Bancorp | All Rights Reserved NPL1 rollforward 31 For end note descriptions, see end note summary starting on page 43; totals shown above may not foot due to rounding 2Q25 3Q25 4Q25 1Q26 2Q26 Balance, beginning of period $623 $508 $435 $427 $573 Transfers to nonaccrual status 63 266 138 173 212 Acquired nonaccrual loans — — — 170 29 Transfers to accrual status (1) — (1) (1) (1) Transfers to held for sale (24) (1) (44) (84) (50) Loan paydowns/payoffs (70) (63) (34) (38) (77) Transfer to OREO — — (1) — — Charge-offs (90) (282) (68) (77) (73) Draws/other extensions of credit 7 7 2 3 2 Balance, end of period $508 $435 $427 $573 $615 2Q25 3Q25 4Q25 1Q26 2Q26 Balance, beginning of period $343 $345 $333 $340 $387 Transfers to nonaccrual status 95 88 104 103 142 Acquired nonaccrual loans — — — 51 — Transfers to accrual status (26) (19) (20) (21) (29) Transfers to held for sale — — — — — Loan paydowns/payoffs (27) (38) (31) (39) (35) Transfer to OREO (5) (7) (5) (6) (4) Charge-offs (37) (37) (42) (44) (40) Draws/other extensions of credit 2 1 1 3 5 Balance, end of period $345 $333 $340 $387 $426 Commercial $ in millions Consumer $ in millions Total NPL $853 $768 $767 $960 $1041 Total new nonaccrual loans - HFI 158 354 242 276 354 Total NPL $ in millions

© Fifth Third Bancorp | All Rights Reserved Balance sheet positioning 32 For end note descriptions, see end note summary starting on page 43; totals shown above may not foot due to rounding C&I 20% Fix | 80% Variable Coml. mortgage 25% Fix | 75% Variable Coml. construction 21% Fix | 79% Variable Coml. lease 100% Fix | 0% Variable 37% 53% 10% 68% 22% 7% 3% • 57% allocation to bullet/locked- out cash flow securities • AFS & HTM spot yield: 3.60% • AFS net unrealized pre-tax loss: $3.2BN $29.2BN fixed | $95.7BN variable1,2 Commercial loans1,2 Investment portfolioConsumer loans1 Long-term debt3 $43.BN fixed | $10.6BN variable1 $9.9BN fixed | $7.7BN variable3 • 1M based: 55%4,7 • 3M based: 7%4,7 • Prime & O/N based: 13%4,7 • Other based: 1%4,6,7 • Weighted avg. life: 1.7 years1 • 1M based: 1%5,7 • Prime: 15%5 • Other based: 3%5,7,8 • Weighted avg. life: 4.0 years1 • SOFR based: 44% • Weighted avg. life: 3.9 years Includes $2.8BN non-agency CMBS (All super-senior, AAA-rated securities; 59% WA LTV, ~33% WA credit enhancement) 34% 36% 13% 13% 3% 73% 11% 2% 14% The information above incorporates the impact of $7BN in C&I receive-fixed swaps, $4BN in CRE receive- fixed swaps2, and $5BN fair value hedges associated with long-term debt (receive-fixed swaps) Auto/indirect 100% Fix | 0% Variable Resi mtg. & construction 91% Fix | 9% Variable Home equity 11% Fix | 89% Variable Other 78% Fix | 22% Variable Credit card 38% Fix | 62% Variable Level 1 94% Fix | 6% Variable Level 2A 100% Fix | 0% Variable Non-HQLA/ Other 90% Fix | 10% Variable Senior debt 47% Fix | 53% Variable Sub debt 62% Fix | 38% Variable Auto securiz. proceeds 100% Fix | 0% Variable Other 98% Fix | 2% Variable

© Fifth Third Bancorp | All Rights Reserved Managing rate risk against conservative outcomes 33 For end note descriptions, see end note summary starting on page 43; totals shown above may not foot due to rounding Estimated NII sensitivity profile and ALCO policy limits Estimated NII beta sensitivity Rate risk models assume approximately 65-70% effective up betas and 55-60% down betas in our baseline NII sensitivity used in IRR simulations1,2 • Models are calibrated to performance in prior rate cycles • Additionally, rate risk measures assume no deposit re-pricing lags As of June 30, 2026: • 59% of HFI loans were variable rate net of existing hedges (77% of total commercial; 20% of total consumer) • Short-term borrowings represent less than 2% of total funding • Approximately $14.3BN in non-core funding matures beyond one year % Change NII (FTE) ALCO policy limit Change in interest rates (bps) 12 months 13 to 24 months 12 months 13 to 24 months +200 Ramp over 12 months 0.5% 2.9% (9.0%) (15.0%) +100 Ramp over 12 months 0.4% 1.9% NA NA -100 Ramp over 12 months (1.1%) (3.7%) NA NA -200 Ramp over 12 months (2.9%) (9.7%) (9.0%) (15.0%) 5% Higher Beta 5% Lower Beta Change in interest rates (bps) 12 months 13 to 24 months 12 months 13 to 24 months +200 Ramp over 12 months (0.3%) 1.4% 1.4% 4.6% +100 Ramp over 12 months —% 1.1% 0.9% 2.7% -100 Ramp over 12 months (0.7%) (3.1%) (1.5%) (4.5%) -200 Ramp over 12 months (2.2%) (8.4%) (3.7%) (11.1%) Estimated NII sensitivity with demand deposit balance changes % Change in NII (FTE) $1BN balance decline $1BN balance increase Change in interest rates (bps) 12 months 13 to 24 months 12 months 13 to 24 months +200 Ramp over 12 months —% 2.3% 1.1% 3.4% +100 Ramp over 12 months —% 1.4% 0.9% 2.4% -100 Ramp over 12 months (1.4%) (4.0%) (0.7%) (3.4%) -200 Ramp over 12 months (3.2%) (9.9%) (2.6%) (9.6%)

© Fifth Third Bancorp | All Rights Reserved 34 Investment portfolio composition Investment portfolio characteristics Held-to-maturity portfolio • $18.4BN portfolio • Reclassification during 1Q24 aimed to de-risk potential AOCI volatility to capital under proposed capital rules • Securities selected for HTM meet Reg YY eligibility and inclusion requirements Available-for-sale portfolio • $47.6BN portfolio • $2.8BN Non-agency CMBS portfolio – All positions are super-senior AAA rated with WA credit enhancement of 33% – Securities are 20% risk-weighted and are pledgeable to the FHLB – Underlying loans in our structures have a WA LTV of ~59% – Credit risk team analyzes transactions at the underlying property- level, similar to what we do for all our CRE loan commitments HTM 28% AFS 72% AFS and HTM portfolio; amortized cost basis; as of 6/30/26 Amortized cost basis; as of 6/30/26 Securities mix Agency CMBS Agency RMBS Non- agency CMBS Treasuries Other Effective duration HTM 52% 30% — 18% — 4.7 AFS 49% 33% 6% 4% 8% 3.9 Total 50% 32% 4% 8% 6% 4.1 Securities portfolio Securities portfolio $66BN ~25% of interest earning assets ‒ Leverage analytical tools with over 40+ years of historical data to stress the securities at an individual property level on a recurring basis, including significant market distress in real estate valuations Note: Totals shown above may not foot due to rounding

© Fifth Third Bancorp | All Rights Reserved 10-year treasury yield ($5.8) ($3.3) ($3.0) ($2.8) ($2.9) ($2.9) 9/30/23 6/30/25 9/30/25 12/31/25 3/31/26 6/30/26 Projected AOCI accretion ($2.7) ($2.2) ($1.8) ($1.5) ($1.2) ($0.8) 12/31/26E 12/31/27E 12/31/28E 12/31/29E 12/31/30E 12/31/31E Securities portfolio AOCI accretion 35 $ in billions; 6/30/26 AFS and HTM portfolio unrealized loss, after-tax ~72% capital accretion ~8% capital accretion Historical AOCI accretion ~50% capital accretion since 3Q23 AOCI accretion1 assuming implied forward curve2 4.5%4.2% 4.2% 4.2% 4.3% For end note descriptions, see end note summary starting on page 43; totals shown above may not foot due to rounding 4.6% ~40% capital accretion

© Fifth Third Bancorp | All Rights Reserved $17.64 $18.69 $22.60 $23.15 $23.40 $23.97 $24.44 $24.76 3.9% 4.6% 4.2% 4.5% 4.5% 4.6% 4.8% 4.9% TBV/S AOCI accretion 10-year treasury yield 12/31/2023 12/31/2024 12/31/2025 6/30/2026 12/31/2026 12/31/2027 12/31/2028 12/31/2029 Balance sheet positioned to grow tangible book value per share 36 TBV/share1 will improve due to AOCI accretion alone Projected TBV/share growth includes no earnings contribution from 2026-20292 For end note descriptions, see end note summary starting on page 43 Actuals Forecast +6% +21% +2% +2% +2% Projected growth from AOCI burndown alone1 +1% +1%

© Fifth Third Bancorp | All Rights Reserved 3.26% $11 $11 $11 $2 $3 $1$11 $13 $14 $12 $11 $9 $8 $8 $5 2Q26 4Q26 2Q27 4Q28 2Q30 4Q30 2Q31 3Q31 4Q31 Cash flow hedges Receive-fixed swaps1 EOP notional value of cash flow hedges ($ in billions) Actual 37 Existing receive-fixed swaps2 Weighted average receive fixed rate 3.44% 3.26% 3.31% 3.44% 3 For end note descriptions, see end note summary starting on page 43 3.33%3.39% 3.29% 3.32% Forward starting receive-fixed swaps2

© Fifth Third Bancorp | All Rights Reserved $19 $22 $22 $23 $21 $73 $73 $73 $70 $71 $5 $3 $3 ($10) ($11) ($41) ($40) ($42) ($39) ($42) $56 $58 $56 $44 $39Origination fees and gains on loan sale Gross servicing fees Net MSR Valuation MSR decay 2Q25 3Q25 4Q25 1Q26 2Q26 Mortgage banking results $ in millions Mortgage banking net revenue Mortgage originations and margins $ in billions Rate lock margin represents gains recorded associated with salable rate locks divided by salable rate locks. Gain-on-sale margin represents gains on all loans originated for sale divided by salable originations. 38 $2.0 $1.9 $2.2 $1.9 $2.5 $1.3 $1.4 $1.6 $1.4 $1.6 $0.7 $0.6 $0.6 $0.5 $0.9 Originations HFI Originations HFS 2Q25 3Q25 4Q25 1Q26 2Q26 Note: Totals shown above may not foot due to rounding Rate lock margin 1.23% 1.28% 1.16% 1.30% 1.26% Gain-on-sale margin 1.17% 1.33% 1.17% 1.47% 0.98% Mortgage banking net revenue $56 $58 $56 $44 $39

© Fifth Third Bancorp | All Rights Reserved Preferred dividend schedule 3Q26 4Q26 1Q27 2Q27 Series H ~$11 ~$11 ~$11 ~$11 Series I ~$9 ~$9 ~$9 ~$9 Series J ~$5 ~$6 ~$6 ~$6 Series K ~$3 ~$3 ~$3 ~$3 Series M3 ~$7 ~$7 ~$7 ~$7 Class B Series A ~$3 ~$3 ~$3 ~$3 Total ~$38 ~$39 ~$39 ~$39 Upcoming preferred dividend schedule1 $ in millions 39 Floating2 Floating2 Floating2 For end note descriptions, see end note summary starting on page 43; totals shown above may not foot due to rounding

© Fifth Third Bancorp | All Rights Reserved 2Q26 reported EPS of $0.83 included a net negative $0.19 impact from the following notable item(s): • $203 million pre-tax (~$155 million after-tax2,3) charge related to merger-related charges • $10 million pre-tax (~$8 million after-tax2) charge related to securities repositioning losses • $7 million pre-tax (~$5 million after-tax2) charge related to technology-related asset impairments • $7 million pre-tax (~$5 million after-tax2) charge related to severance expense • $2 million pre-tax (~$2 million after-tax2) charge related to interchange litigation matters 2Q26 adjustments and notable items Adjusted EPS of $1.021 40 For end note descriptions, see end note summary starting on page 43

© Fifth Third Bancorp | All Rights Reserved Fifth Third Bancorp and Subsidiaries For the three months ended $ and shares in millions (unaudited) June March December September June 2026 2026 2025 2025 2025 Net income (U.S. GAAP) (a) $801 $165 $731 $649 $628 Net income (U.S. GAAP) (annualized) (b) $3,213 $669 $2,900 $2,575 $2,519 Net income available to common shareholders (U.S. GAAP) (c) $763 $128 $699 $608 $591 Add: Intangible amortization, net of tax 48 34 5 5 5 Tangible net income available to common shareholders (d) $811 $162 $704 $613 $596 Tangible net income available to common shareholders (annualized) (e) $3,253 $657 $2,793 $2,432 $2,391 Net income available to common shareholders (annualized) (f) $3,060 $519 $2,773 $2,412 $2,371 Average Bancorp shareholders' equity (U.S. GAAP) (g) $34,260 $30,108 $21,527 $21,216 $20,670 Less: Average preferred stock (h) (2,182) (2,040) (1,770) (2,112) (2,116) Average goodwill (9,973) (8,686) (4,947) (4,937) (4,918) Average intangible assets and other servicing rights (1,257) (841) (72) (77) (79) Average tangible common equity (i) $20,848 $18,541 $14,738 $14,090 $13,557 Less: Average accumulated other comprehensive income ("AOCI") 3,377 3,080 3,137 3,520 3,935 Average tangible common equity, excluding AOCI (j) $24,225 $21,621 $17,875 $17,610 $17,492 Adjustments (pre-tax items) Merger-related charges 203 657 13 — — Non-qualified deferred compensation expense/(benefit) 30 (9) (5) 11 16 Securities repositioning losses 10 — — — — Technology-related asset impairments 7 — — — — Severance expense 7 — — — 15 Interchange litigation matters 2 (8) 11 27 1 Merger-related Day 1 ACL build — 83 — — — Litigation settlements — — (12) — — FDIC special assessment — — (25) (6) — Fifth Third Foundation contribution — — 50 — — Securities (gains)/losses (30) 12 5 (10) (16) Adjustments - after-tax1 (k) $175 $569 $31 $16 $12 Adjustments (tax related items) Benefit related to the resolution of certain tax matters — — (7) — — Adjustments (tax related items) (l) — — (7) — — Adjusted net income [(a) + (k)+ (l)] $976 $734 $755 $665 $640 Adjusted net income (annualized) (m) $3,915 $2,977 $2,995 $2,638 $2,567 Adjusted net income available to common shareholders [(c) + (k) + (l)] $938 $697 $723 $624 $603 Adjusted net income available to common shareholders (annualized) (n) $3,762 $2,827 $2,868 $2,476 $2,419 Adjusted tangible net income available to common shareholders [(d) + (k) + (l)] 986 $731 $728 $629 $608 Adjusted tangible net income available to common shareholders (annualized) (o) $3,955 $2,965 $2,888 $2,495 $2,439 Average assets (p) $297,947 $265,551 $213,021 $211,770 $210,554 Metrics: Return on assets (b) / (p) 1.08% 0.25% 1.36% 1.21% 1.20% Adjusted return on assets (m) / (p) 1.31% 1.12% 1.41% 1.25% 1.22% Return on average common equity (f) / [(g) + (h)] 9.5% 1.8% 14.0% 12.6% 12.8% Adjusted return on average common equity (n) / [(g) + (h)] 11.7% 10.1% 14.5% 13.0% 13.0% Return on average tangible common equity (e) / (i) 15.6% 3.5% 19.0% 17.3% 17.6% Adjusted return on average tangible common equity (o) / (i) 19.0% 16.0% 19.6% 17.7% 18.0% Adjusted return on average tangible common equity, excluding AOCI (o) / (j) 16.3% 13.7% 16.2% 14.2% 13.9% 41 Non-GAAP reconciliation For end note descriptions, see end note summary starting on page 43; totals shown above may not foot due to rounding

© Fifth Third Bancorp | All Rights Reserved Non-GAAP reconciliation 42 Fifth Third Bancorp and Subsidiaries For three months ended $ and shares in millions (unaudited) June March December September June 2026 2026 2025 2025 2025 Average interest-earning assets (a) $264,989 $237,961 $194,144 $193,500 $192,682 Net interest income (U.S. GAAP) (b) $2,215 $1,934 $1,529 $1,520 $1,495 Add: Taxable equivalent adjustment 5 5 4 5 5 Net interest income (FTE) (c) $2,220 $1,939 $1,533 $1,525 $1,500 Net interest income (FTE) (annualized) (d) $8,904 $7,864 $6,082 $6,050 $6,016 Noninterest income (U.S. GAAP) (e) $1,059 $895 $811 $781 $750 Securities repositioning losses 10 — — — — Interchange litigation matters 1 (8) 8 18 1 Merger-related charges — 22 — — — Litigation settlements — — (12) — — Noninterest income excluding certain item(s) $1,070 $909 $807 $799 $751 Other securities (gains)/losses (30) 12 5 (10) (16) Adjusted noninterest income, excluding certain item(s) and securities (gains)/losses (f) $1,040 $921 $812 $789 $735 Noninterest expense (U.S. GAAP) (g) $2,109 $2,395 $1,309 $1,267 $1,264 Merger-related charges (203) (635) (13) — — Technology-related asset impairments (7) — — — — Severance expense (7) — — — (15) Interchange litigation matters (1) — (3) (9) — FDIC Special Assessment — — 25 6 — Fifth Third Foundation contribution — — (50) — — Noninterest expense excluding certain item(s) $1,891 $1,760 $1,268 $1,264 $1,249 Add: Non-qualified deferred compensation (expense)/benefit (30) 9 5 (11) (16) Adjusted noninterest expense, excluding certain item(s) and non-qualified deferred compensation (h) $1,861 $1,769 $1,273 $1,253 $1,233 Metrics: Revenue (FTE) (c) + (e) 3,279 2,834 2,344 2,306 2,250 Adjusted revenue (c) + (f) 3,260 2,860 2,345 2,314 2,235 Pre-provision net revenue [(c) + (e) - (g)] 1,170 439 1,035 1,039 986 Adjusted pre-provision net revenue [(c) + (f) - (h)] 1,399 1,091 1,072 1,061 1,002 Net interest margin (FTE) (d) / (a) 3.36% 3.30% 3.13% 3.13% 3.12% Efficiency ratio (FTE) (g) / [(c) + (e)] 64.3% 84.5% 55.8% 54.9% 56.2% Adjusted efficiency ratio (h) / [(c) + (f)] 57.1% 61.9% 54.3% 54.1% 55.2% For end note descriptions, see end note summary starting on page 43; totals shown above may not foot due to rounding

© Fifth Third Bancorp | All Rights Reserved 43 Earnings presentation end notes Slide 3 end notes 1. Non-GAAP measure: see reconciliation on pages 41 and 42 of this presentation and use of non-GAAP measures on pages 27-29 of the earnings release. Slide 4 end notes 1. Reported ROTCE, NIM, pre-provision net revenue, and efficiency ratio are non-GAAP measures: all adjusted figures are non-GAAP measures; see reconciliation on pages 41 and 42 of this presentation and the use of non-GAAP measures on pages 27-29 of the earnings release. 2. Non-GAAP measure: see reconciliation on pages 41 and 42 of this presentation and use of non-GAAP measures on pages 27-29 of the earnings release. 3. Net losses charged-off as a percent of average portfolio loans and leases presented on an annualized basis. 4. Current period regulatory capital ratios are estimated. Slide 5 end notes 1. Results are on a fully-taxable equivalent basis; non-GAAP measure: see reconciliation on pages 41 and 42 of this presentation and use of non-GAAP measures on pages 27-29 of the earnings release. Slide 6 end notes 1. Non-GAAP measure: see reconciliation on pages 41 and 42 of this presentation and use of non-GAAP measures on pages 27-29 of the earnings release. 2. Includes the effects of non-qualified deferred compensation. Slide 7 end notes 1. Non-GAAP measure: see reconciliation on pages 41 and 42 of this presentation and use of non-GAAP measures on pages 27-29 of the earnings release. Slide 10 end notes 1. Excludes nonaccrual loans HFS. 2. 1Q26 excludes net charge-offs of $21 million which were taken immediately at time of merger Slide 11 end notes 1. Excludes 2020, 2021, and 2022 metrics. 2. Loan balances exclude nonaccrual loans HFS. Slide 12 end notes 1. Current period regulatory capital ratios are estimated. 2. Excludes AOCI on cash flow hedges Slide 13 end notes 1. Non-GAAP measure: see reconciliation on pages 41 and 42 of this presentation and use of non-GAAP measures on pages 27-29 of the earnings release. Slide 14 end notes 1. Non-GAAP measure: see reconciliation on pages 41 and 42 of this presentation and use of non-GAAP measures on pages 27-29 of the earnings release. Slide 16 end notes 1. Digitally active defined as having at least one login to mobile or online banking during the quarter. 2. Mobile active defined as having at least one login to mobile banking during the quarter. Slide 17 end notes 1. Last-twelve-month (LTM) noninterest income and revenue are presented on a pro forma basis, excluding securities gains/losses, for Fifth Third and Comerica as of June 30, 2026 2. Non-GAAP measure: see reconciliation on pages 41 and 42 of this presentation and use of non-GAAP measures on pages 27-29 of the earnings release. Slide 18 end notes 1. Net losses charged-off as a percent of average portfolio loans and leases presented on an annualized basis. 2. Nonperforming portfolio loans and leases as a percent of portfolio loans and leases.

© Fifth Third Bancorp | All Rights Reserved Earnings presentation end notes 44 Slide 19 end notes 1. Net losses charged-off as a percent of average portfolio loans and leases presented on an annualized basis. 2. Nonperforming portfolio loans and leases as a percent of portfolio loans and leases. 3. Total commercial portfolio line utilization. Slide 20 end notes 1. Loans to NDFIs are estimated pending the filing of Fifth Third Bank's Call Report and includes the following captions within Call Report schedule RC-C Part I - mortgage credit intermediaries, business credit intermediaries, private equity funds, consumer credit intermediaries and other loans to non-depository financial institutions 2. Peer data as of 3/31/2026 3. Fifth Third standalone Slide 21 end notes 1. Net losses charged-off as a percent of average portfolio loans and leases presented on an annualized basis. 2. Nonperforming portfolio loans and leases as a percent of portfolio loans and leases. Slide 23 end notes 1. Net losses charged-off as a percent of average portfolio loans and leases presented on an annualized basis. 2. Nonperforming portfolio loans and leases as a percent of portfolio loans and leases. Slide 24 end notes 1. Net losses charged-off as a percent of average portfolio loans and leases presented on an annualized basis. 2. Nonperforming portfolio loans and leases as a percent of portfolio loans and leases. 3. FICO distributions at origination exclude certain acquired mortgage & home equity loans, and certain credit loans on book primarily ~15+ years. Slide 25 end notes 1. Net losses charged-off as a percent of average portfolio loans and leases presented on an annualized basis. 2. Nonperforming portfolio loans and leases as a percent of portfolio loans and leases. 3. FICO distributions at origination exclude certain acquired mortgage loans. Slide 26 end notes 1. Net losses charged-off as a percent of average portfolio loans and leases presented on an annualized basis. 2. Nonperforming portfolio loans and leases as a percent of portfolio loans and leases. 3. FICO distributions at origination exclude certain acquired home equity loans. Slide 27 end notes 1. Net losses charged-off as a percent of average portfolio loans and leases presented on an annualized basis. 2. Nonperforming portfolio loans and leases as a percent of portfolio loans and leases. Slide 28 end notes 1. Net losses charged-off as a percent of average portfolio loans and leases presented on an annualized basis. 2. Nonperforming portfolio loans and leases as a percent of portfolio loans and leases. 3. FICO distributions at origination exclude certain credit loans on book primarily ~15+ years. Slide 29 end notes 1. Net losses charged-off as a percent of average portfolio loans and leases presented on an annualized basis. 2. Nonperforming portfolio loans and leases as a percent of portfolio loans and leases. Slide 30 end notes 1. 2Q26 commercial and consumer portfolio make up ~$192M and ~$38M, respectively, of the total reserve for unfunded commitment.

© Fifth Third Bancorp | All Rights Reserved 45 Earnings presentation end notes Slide 31 end notes 1. Loan balances exclude nonaccrual loans HFS. Slide 32 end notes Note: Data as of 6/30/2026 1. Excludes HFS Loans & Leases. 2. Fifth Third had $11BN of commercial variable loans classified as fixed given the impacts of $7BN in C&I receive-fix swaps and $4BN in CRE receive-fix swaps 3. Fifth Third had $5BN SOFR receive-fix swaps outstanding against long-term debt, which are being included in floating long-term debt. 4. As a percent of total commercial. 5. As a percent of total consumer. 6. Includes 12M term, 6M term, and Fed Funds based loans. 7. Term points include SOFR, AMERIBOR, Treasuries & FX curves. 8. Includes overnight term, 3M term, 6M term, 12M term and Fed Funds. Slide 33 end notes Note: Data as of 6/30/2026; actual results may vary from these simulated results due to differences between forecasted and actual balance sheet composition, timing, magnitude, and frequency of interest rate changes, as well as other changes in market conditions and management strategies. 1. Re-pricing percentage or “beta” is the estimated change in yield after the 12-month ramp scenarios are fully realized and therefore reflects year-2. 2. Betas are asymmetrical as down betas assume a floor of 0%, along with rate floors, and up betas assumes a cap of 100% Slide 35 end notes 1. See forward-looking statements on page 2 of this presentation regarding forward-looking non-GAAP measures and use of non-GAAP measures on pages 27-29 of the earnings release. 2. Analysis based on 6/30/2026 portfolio utilizing the implied forward curve as of 6/30/2026 Slide 36 end notes 1. See forward-looking statements on page 2 of this presentation regarding forward-looking non-GAAP measures and use of non-GAAP measures on pages 27-29 of the earnings release. 2. Analysis based on 6/30/2026 portfolio utilizing the implied forward curve as of 6/30/2026 Slide 37 end notes 1. Represents forward looking statement, please refer to page 2 of this presentation regarding forward-looking non-GAAP measures 2. Existing swaps transition from receive fixed / pay 1-month LIBOR to receive fixed / pay compound SOFR + 11.448 bps on their next post-LIBOR cessation resets 3. Reflects the weighted average receive fixed rate (swaps only) as of 6/30/2026 Slide 39 end notes 1. Represents forward looking statement, please refer to page 2 of this presentation regarding forward-looking non-GAAP measures. 2. Projected dividends for the Series J, Series H, and Series I reflect 3M term SOFR plus the applicable spread. For the periods referencing 3M term SOFR, the projections include the 26.161bps spread adjustment pursuant to the final rule adopted by the Federal Reserve. 3. Series M Preferred Stock was issued in exchange for Comerica Incorporated's 6.875 Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series B as part of the closing of Comerica's merger with and into Fifth Third on February 1, 2026.. The initial dividend period was January 1, 2026 - April 1, 2026. The initial dividend payment date was April 1, 2026. Future dividend payment dates will be the 1st of January, April, July, and October. Slide 40 end notes 1. Average diluted common shares outstanding (thousands); 915,959; all adjusted figures are non-GAAP measures; see reconciliation on pages 41 and 42 of this presentation and the use of non-GAAP measures on pages 27-29 of the earnings release. 2. Assumes a 24% tax rate. 3. A portion of the adjustments related to merger-related charges are not tax-deductible Slide 41 end notes Note: See pages 27-29 of the earnings release for a discussion on the use of non-GAAP financial measures. 1. Assumes a 24% tax rate. Slide 42 end notes Note: See pages 27-29 of the earnings release for a discussion on the use of non-GAAP financial measures.

GRAPHIC

Filename: fitb-20260717_g1.jpg · Sequence: 8

Binary file (135118 bytes)

Download fitb-20260717_g1.jpg

GRAPHIC

Filename: a53_logoxhorizontalxfullco.jpg · Sequence: 9

Binary file (135118 bytes)

Download a53_logoxhorizontalxfullco.jpg

GRAPHIC

Filename: fifththirdbancorppresent001.jpg · Sequence: 10

Binary file (84202 bytes)

Download fifththirdbancorppresent001.jpg

GRAPHIC

Filename: fifththirdbancorppresent002.jpg · Sequence: 11

Binary file (306096 bytes)

Download fifththirdbancorppresent002.jpg

GRAPHIC

Filename: fifththirdbancorppresent003.jpg · Sequence: 12

Binary file (90020 bytes)

Download fifththirdbancorppresent003.jpg

GRAPHIC

Filename: fifththirdbancorppresent004.jpg · Sequence: 13

Binary file (102820 bytes)

Download fifththirdbancorppresent004.jpg

GRAPHIC

Filename: fifththirdbancorppresent005.jpg · Sequence: 14

Binary file (79601 bytes)

Download fifththirdbancorppresent005.jpg

GRAPHIC

Filename: fifththirdbancorppresent006.jpg · Sequence: 15

Binary file (119695 bytes)

Download fifththirdbancorppresent006.jpg

GRAPHIC

Filename: fifththirdbancorppresent007.jpg · Sequence: 16

Binary file (138149 bytes)

Download fifththirdbancorppresent007.jpg

GRAPHIC

Filename: fifththirdbancorppresent008.jpg · Sequence: 17

Binary file (108433 bytes)

Download fifththirdbancorppresent008.jpg

GRAPHIC

Filename: fifththirdbancorppresent009.jpg · Sequence: 18

Binary file (104756 bytes)

Download fifththirdbancorppresent009.jpg

GRAPHIC

Filename: fifththirdbancorppresent010.jpg · Sequence: 19

Binary file (89724 bytes)

Download fifththirdbancorppresent010.jpg

GRAPHIC

Filename: fifththirdbancorppresent011.jpg · Sequence: 20

Binary file (103166 bytes)

Download fifththirdbancorppresent011.jpg

GRAPHIC

Filename: fifththirdbancorppresent012.jpg · Sequence: 21

Binary file (118587 bytes)

Download fifththirdbancorppresent012.jpg

GRAPHIC

Filename: fifththirdbancorppresent013.jpg · Sequence: 22

Binary file (82738 bytes)

Download fifththirdbancorppresent013.jpg

GRAPHIC

Filename: fifththirdbancorppresent014.jpg · Sequence: 23

Binary file (76989 bytes)

Download fifththirdbancorppresent014.jpg

GRAPHIC

Filename: fifththirdbancorppresent015.jpg · Sequence: 24

Binary file (29551 bytes)

Download fifththirdbancorppresent015.jpg

GRAPHIC

Filename: fifththirdbancorppresent016.jpg · Sequence: 25

Binary file (111131 bytes)

Download fifththirdbancorppresent016.jpg

GRAPHIC

Filename: fifththirdbancorppresent017.jpg · Sequence: 26

Binary file (107003 bytes)

Download fifththirdbancorppresent017.jpg

GRAPHIC

Filename: fifththirdbancorppresent018.jpg · Sequence: 27

Binary file (100490 bytes)

Download fifththirdbancorppresent018.jpg

GRAPHIC

Filename: fifththirdbancorppresent019.jpg · Sequence: 28

Binary file (100015 bytes)

Download fifththirdbancorppresent019.jpg

GRAPHIC

Filename: fifththirdbancorppresent020.jpg · Sequence: 29

Binary file (130617 bytes)

Download fifththirdbancorppresent020.jpg

GRAPHIC

Filename: fifththirdbancorppresent021.jpg · Sequence: 30

Binary file (101911 bytes)

Download fifththirdbancorppresent021.jpg

GRAPHIC

Filename: fifththirdbancorppresent022.jpg · Sequence: 31

Binary file (95406 bytes)

Download fifththirdbancorppresent022.jpg

GRAPHIC

Filename: fifththirdbancorppresent023.jpg · Sequence: 32

Binary file (122893 bytes)

Download fifththirdbancorppresent023.jpg

GRAPHIC

Filename: fifththirdbancorppresent024.jpg · Sequence: 33

Binary file (105467 bytes)

Download fifththirdbancorppresent024.jpg

GRAPHIC

Filename: fifththirdbancorppresent025.jpg · Sequence: 34

Binary file (103659 bytes)

Download fifththirdbancorppresent025.jpg

GRAPHIC

Filename: fifththirdbancorppresent026.jpg · Sequence: 35

Binary file (100848 bytes)

Download fifththirdbancorppresent026.jpg

GRAPHIC

Filename: fifththirdbancorppresent027.jpg · Sequence: 36

Binary file (109683 bytes)

Download fifththirdbancorppresent027.jpg

GRAPHIC

Filename: fifththirdbancorppresent028.jpg · Sequence: 37

Binary file (98967 bytes)

Download fifththirdbancorppresent028.jpg

GRAPHIC

Filename: fifththirdbancorppresent029.jpg · Sequence: 38

Binary file (102411 bytes)

Download fifththirdbancorppresent029.jpg

GRAPHIC

Filename: fifththirdbancorppresent030.jpg · Sequence: 39

Binary file (114528 bytes)

Download fifththirdbancorppresent030.jpg

GRAPHIC

Filename: fifththirdbancorppresent031.jpg · Sequence: 40

Binary file (101081 bytes)

Download fifththirdbancorppresent031.jpg

GRAPHIC

Filename: fifththirdbancorppresent032.jpg · Sequence: 41

Binary file (138289 bytes)

Download fifththirdbancorppresent032.jpg

GRAPHIC

Filename: fifththirdbancorppresent033.jpg · Sequence: 42

Binary file (155147 bytes)

Download fifththirdbancorppresent033.jpg

GRAPHIC

Filename: fifththirdbancorppresent034.jpg · Sequence: 43

Binary file (126702 bytes)

Download fifththirdbancorppresent034.jpg

GRAPHIC

Filename: fifththirdbancorppresent035.jpg · Sequence: 44

Binary file (83283 bytes)

Download fifththirdbancorppresent035.jpg

GRAPHIC

Filename: fifththirdbancorppresent036.jpg · Sequence: 45

Binary file (98480 bytes)

Download fifththirdbancorppresent036.jpg

GRAPHIC

Filename: fifththirdbancorppresent037.jpg · Sequence: 46

Binary file (77620 bytes)

Download fifththirdbancorppresent037.jpg

GRAPHIC

Filename: fifththirdbancorppresent038.jpg · Sequence: 47

Binary file (91721 bytes)

Download fifththirdbancorppresent038.jpg

GRAPHIC

Filename: fifththirdbancorppresent039.jpg · Sequence: 48

Binary file (70944 bytes)

Download fifththirdbancorppresent039.jpg

GRAPHIC

Filename: fifththirdbancorppresent040.jpg · Sequence: 49

Binary file (98455 bytes)

Download fifththirdbancorppresent040.jpg

GRAPHIC

Filename: fifththirdbancorppresent041.jpg · Sequence: 50

Binary file (170502 bytes)

Download fifththirdbancorppresent041.jpg

GRAPHIC

Filename: fifththirdbancorppresent042.jpg · Sequence: 51

Binary file (144617 bytes)

Download fifththirdbancorppresent042.jpg

GRAPHIC

Filename: fifththirdbancorppresent043.jpg · Sequence: 52

Binary file (100979 bytes)

Download fifththirdbancorppresent043.jpg

GRAPHIC

Filename: fifththirdbancorppresent044.jpg · Sequence: 53

Binary file (98384 bytes)

Download fifththirdbancorppresent044.jpg

GRAPHIC

Filename: fifththirdbancorppresent045.jpg · Sequence: 54

Binary file (120204 bytes)

Download fifththirdbancorppresent045.jpg

XML — IDEA: XBRL DOCUMENT

XML

Filename: R1.htm · Sequence: 56

v3.26.1

Cover Page

Jul. 17, 2026

Entity Information [Line Items]

Document Type

8-K

Document Period End Date

Jul. 17, 2026

Entity Registrant Name

Fifth Third Bancorp

Amendment Flag

false

Entity Central Index Key

0000035527

Entity Incorporation, State or Country Code

Entity File Number

001-33653

Entity Tax Identification Number

31-0854434

Entity Address, Address Line One

Fifth Third Center

Entity Address, Address Line Two

38 Fountain Square Plaza

Entity Address, City or Town

Cincinnati

Entity Address, State or Province

Entity Address, Postal Zip Code

45263

City Area Code

800

Local Phone Number

972-3030

Written Communications

false

Soliciting Material

false

Pre-commencement Tender Offer

false

Pre-commencement Issuer Tender Offer

false

Entity Emerging Growth Company

false

Common Stock

Entity Information [Line Items]

Title of 12(b) Security

Common Stock, Without Par Value

Trading Symbol

FITB

Security Exchange Name

NYSE

Depositary Shares Representing a 1/1000th Ownership Interest in a Share of

Entity Information [Line Items]

Title of 12(b) Security

6.625% Fixed-to-Floating Rate Non-Cumulative Perpetual Preferred Stock, Series I

Trading Symbol

FITB PrI

Security Exchange Name

NYSE

Depositary Shares Representing a 1/40th Ownership Interest in a Share of

Entity Information [Line Items]

Title of 12(b) Security

6.00% Non-Cumulative Perpetual Class B Preferred Stock, Series A

Trading Symbol

FITB PrA

Security Exchange Name

NYSE

Depositary Shares Representing a 1/1000th Ownership Interest in a Share of

Entity Information [Line Items]

Title of 12(b) Security

4.95% Non-Cumulative Perpetual Preferred Stock, Series K

Trading Symbol

FITB PrK

Security Exchange Name

NYSE

Depositary Shares Representing a 1/40th Ownership Interest in a Share of 6.875% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series M

Entity Information [Line Items]

Title of 12(b) Security

6.875% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series M

Trading Symbol

FITB PrM

Security Exchange Name

NYSE

- Definition

Boolean flag that is true when the XBRL content amends previously-filed or accepted submission.

+ References

No definition available.

+ Details

Name:

dei_AmendmentFlag

Namespace Prefix:

dei_

Data Type:

xbrli:booleanItemType

Balance Type:

Period Type:

duration

- Definition

Area code of city

+ References

No definition available.

+ Details

Name:

dei_CityAreaCode

Namespace Prefix:

dei_

Data Type:

xbrli:normalizedStringItemType

Balance Type:

Period Type:

duration

- Definition

For the EDGAR submission types of Form 8-K: the date of the report, the date of the earliest event reported; for the EDGAR submission types of Form N-1A: the filing date; for all other submission types: the end of the reporting or transition period. The format of the date is YYYY-MM-DD.

+ References

No definition available.

+ Details

Name:

dei_DocumentPeriodEndDate

Namespace Prefix:

dei_

Data Type:

xbrli:dateItemType

Balance Type:

Period Type:

duration

- Definition

The type of document being provided (such as 10-K, 10-Q, 485BPOS, etc). The document type is limited to the same value as the supporting SEC submission type, or the word 'Other'.

+ References

No definition available.

+ Details

Name:

dei_DocumentType

Namespace Prefix:

dei_

Data Type:

dei:submissionTypeItemType

Balance Type:

Period Type:

duration

- Definition

Address Line 1 such as Attn, Building Name, Street Name

+ References

No definition available.

+ Details

Name:

dei_EntityAddressAddressLine1

Namespace Prefix:

dei_

Data Type:

xbrli:normalizedStringItemType

Balance Type:

Period Type:

duration

- Definition

Address Line 2 such as Street or Suite number

+ References

No definition available.

+ Details

Name:

dei_EntityAddressAddressLine2

Namespace Prefix:

dei_

Data Type:

xbrli:normalizedStringItemType

Balance Type:

Period Type:

duration

- Definition

Name of the City or Town

+ References

No definition available.

+ Details

Name:

dei_EntityAddressCityOrTown

Namespace Prefix:

dei_

Data Type:

xbrli:normalizedStringItemType

Balance Type:

Period Type:

duration

- Definition

Code for the postal or zip code

+ References

No definition available.

+ Details

Name:

dei_EntityAddressPostalZipCode

Namespace Prefix:

dei_

Data Type:

xbrli:normalizedStringItemType

Balance Type:

Period Type:

duration

- Definition

Name of the state or province.

+ References

No definition available.

+ Details

Name:

dei_EntityAddressStateOrProvince

Namespace Prefix:

dei_

Data Type:

dei:stateOrProvinceItemType

Balance Type:

Period Type:

duration

- Definition

A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b-2

+ Details

Name:

dei_EntityCentralIndexKey

Namespace Prefix:

dei_

Data Type:

dei:centralIndexKeyItemType

Balance Type:

Period Type:

duration

- Definition

Indicate if registrant meets the emerging growth company criteria.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b-2

+ Details

Name:

dei_EntityEmergingGrowthCompany

Namespace Prefix:

dei_

Data Type:

xbrli:booleanItemType

Balance Type:

Period Type:

duration

- Definition

Commission file number. The field allows up to 17 characters. The prefix may contain 1-3 digits, the sequence number may contain 1-8 digits, the optional suffix may contain 1-4 characters, and the fields are separated with a hyphen.

+ References

No definition available.

+ Details

Name:

dei_EntityFileNumber

Namespace Prefix:

dei_

Data Type:

dei:fileNumberItemType

Balance Type:

Period Type:

duration

- Definition

Two-character EDGAR code representing the state or country of incorporation.

+ References

No definition available.

+ Details

Name:

dei_EntityIncorporationStateCountryCode

Namespace Prefix:

dei_

Data Type:

dei:edgarStateCountryItemType

Balance Type:

Period Type:

duration

- Definition

Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.

+ References

No definition available.

+ Details

Name:

dei_EntityInformationLineItems

Namespace Prefix:

dei_

Data Type:

xbrli:stringItemType

Balance Type:

Period Type:

duration

- Definition

The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b-2

+ Details

Name:

dei_EntityRegistrantName

Namespace Prefix:

dei_

Data Type:

xbrli:normalizedStringItemType

Balance Type:

Period Type:

duration

- Definition

The Tax Identification Number (TIN), also known as an Employer Identification Number (EIN), is a unique 9-digit value assigned by the IRS.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b-2

+ Details

Name:

dei_EntityTaxIdentificationNumber

Namespace Prefix:

dei_

Data Type:

dei:employerIdItemType

Balance Type:

Period Type:

duration

- Definition

Local phone number for entity.

+ References

No definition available.

+ Details

Name:

dei_LocalPhoneNumber

Namespace Prefix:

dei_

Data Type:

xbrli:normalizedStringItemType

Balance Type:

Period Type:

duration

- Definition

Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 13e

-Subsection 4c

+ Details

Name:

dei_PreCommencementIssuerTenderOffer

Namespace Prefix:

dei_

Data Type:

xbrli:booleanItemType

Balance Type:

Period Type:

duration

- Definition

Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 14d

-Subsection 2b

+ Details

Name:

dei_PreCommencementTenderOffer

Namespace Prefix:

dei_

Data Type:

xbrli:booleanItemType

Balance Type:

Period Type:

duration

- Definition

Title of a 12(b) registered security.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b

+ Details

Name:

dei_Security12bTitle

Namespace Prefix:

dei_

Data Type:

dei:securityTitleItemType

Balance Type:

Period Type:

duration

- Definition

Name of the Exchange on which a security is registered.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection d1-1

+ Details

Name:

dei_SecurityExchangeName

Namespace Prefix:

dei_

Data Type:

dei:edgarExchangeCodeItemType

Balance Type:

Period Type:

duration

- Definition

Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as soliciting material pursuant to Rule 14a-12 under the Exchange Act.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 14a

-Subsection 12

+ Details

Name:

dei_SolicitingMaterial

Namespace Prefix:

dei_

Data Type:

xbrli:booleanItemType

Balance Type:

Period Type:

duration

- Definition

Trading symbol of an instrument as listed on an exchange.

+ References

No definition available.

+ Details

Name:

dei_TradingSymbol

Namespace Prefix:

dei_

Data Type:

dei:tradingSymbolItemType

Balance Type:

Period Type:

duration

- Definition

Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as written communications pursuant to Rule 425 under the Securities Act.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Securities Act

-Number 230

-Section 425

+ Details

Name:

dei_WrittenCommunications

Namespace Prefix:

dei_

Data Type:

xbrli:booleanItemType

Balance Type:

Period Type:

duration

- Details

Name:

us-gaap_StatementClassOfStockAxis=us-gaap_CommonStockMember

Namespace Prefix:

Data Type:

Balance Type:

Period Type:

- Details

Name:

us-gaap_StatementClassOfStockAxis=fitb_DepositarySharesRepresentingA11000thOwnershipInterestInAShareOf6.625FixedToFloatingRateNotCumulativePerpetualPreferredStockSeriesIMember

Namespace Prefix:

Data Type:

Balance Type:

Period Type:

- Details

Name:

us-gaap_StatementClassOfStockAxis=fitb_DepositarySharesRepresentingA140thOwnershipInterestInAShareOf6.00NotCumulativePerpetualClassBPreferredStockSeriesAMember

Namespace Prefix:

Data Type:

Balance Type:

Period Type:

- Details

Name:

us-gaap_StatementClassOfStockAxis=fitb_DepositarySharesRepresentingA11000thOwnershipInterestInAShareOf4.95NotCumulativePerpetualPreferredStockSeriesKMember

Namespace Prefix:

Data Type:

Balance Type:

Period Type:

- Details

Name:

us-gaap_StatementClassOfStockAxis=fitb_DepositarySharesRepresentingA140thOwnershipInterestInAShareOf6.875FixedRateResetNonCumulativePerpetualPreferredStockSeriesMMember

Namespace Prefix:

Data Type:

Balance Type:

Period Type: