FIFTH THIRD BANCORP (Form: 8-K, Received: 10/19/2026 06:30:52)

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SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, DC 20549

PURSUANT TO SECTION 13 OR 15(D)

OF THE SECURITIES EXCHANGE ACT OF 1934

Date of report (Date of earliest event reported): October 19, 2026

(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)

(Registrant's telephone number, including area code)

(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

NYSE Texas

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 October 19, 2026, Fifth Third Bancorp issued a press release announcing its earnings release for the third 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 October 19, 2026

Exhibit 99.2 – Third Quarter 2026 Earnings Presentation

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

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


						FIFTH THIRD BANCORP
						(Registrant)

Date: October 19, 2026						/s/ Bryan D. Preston

						Bryan D. Preston
						Executive Vice President and Chief Financial Officer

Fifth Third Bancorp Reports Third Quarter 2026 Earnings

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

Reported EPS of $0.90; adjusted EPS(a) of $1.13 excludes $0.23 of certain items on page 2



Key Financial Data							Key Highlights

$ in millions for all balance sheet and income statement items
	3Q26		2Q26		3Q25		Stability: •Resilient credit performance. Net charge-offs(b) of 31 bps in 3Q26 •Core deposits increased 3% sequentially; loan-to-core deposit ratio of 76% •Strong client and banker retention through the Comerica conversion Profitability: •Net interest income increased 3% sequentially •8% adjusted PPNR(a) growth and 450 bps of positive operating leverage from 2Q26 •20.6% adjusted ROTCE(a) and 1.41% adjusted ROA(a) Growth: •Generated 70% more commercial new quality relationships compared to 3Q25 •Consumer household growth of 7% in the Southeast and 8% in the Southwest •Gained deposit share in Texas and California, with capped deposits in Dallas, Houston and Austin each up more than 20% year-over-year, while Southeast deposit growth was more than five times the market rate

Income Statement Data
Net income available to common shareholders	$828		$763		$608
Net interest income (U.S. GAAP)	2,271		2,215		1,520
Net interest income (FTE)(a)	2,276		2,220		1,525
Noninterest income	1,008		1,059		781
Noninterest expense	2,049		2,109		1,267

Per Share Data
Earnings per share, basic	$0.91		$0.84		$0.91
Earnings per share, diluted	0.90		0.83		0.91
Book value per share	34.31		35.63		29.26
Tangible book value per share(a)	22.01		23.22		21.66

Balance Sheet & Credit Quality
Average portfolio loans and leases	$179,244		$177,572		$123,326
Average deposits	238,344		231,506		164,754
Accumulated other comprehensive loss	(4,919)		(3,286)		(3,276)
Net charge-off ratio(b)	0.31	%	0.30	%	1.09	%
Nonperforming asset ratio(c)	0.64		0.60		0.65

Financial Ratios
Return on average assets	1.14	%	1.08	%	1.21	%
Return on average common equity	10.2		9.5		12.6
Return on average tangible common equity(a)	16.6		15.6		17.3
CET1 capital(d)	10.02		9.93		10.57
Net interest margin(a)	3.34		3.36		3.13
Efficiency(a)	62.4		64.3		54.9
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 third quarter reflected the earnings power of the combined company. Even while integrating Comerica, our adjusted return on tangible common equity and efficiency ratio improved from the second quarter, and credit performance remained stable.

Less than a year after we announced the Comerica acquisition, we completed the systems conversion with strong client and banker retention. Most importantly, the business is growing. The latest FDIC data show sustained deposit share gains in the Southeast and new share gains in Comerica's Michigan, Texas and California markets, and household growth continues to be led by the Southeast.

We live in a more volatile world, and competition for deposits is heating up. Multiple sources of low-cost deposits and limited exposure to the borrowers most sensitive to higher rates give us flexibility regardless of the rate environment. We are building a Fifth Third that is better and not just bigger. 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 October 19, 2026


Income Statement Highlights
($ in millions, except per share data)	For the Three Months Ended			% Change
	September	June	September
	2026	2026	2025	Seq	Yr/Yr
Condensed Statements of Income
Net interest income (NII)(a)	$2,276	$2,220	$1,525	3%	49%
Provision for credit losses	122	129	197	(5)%	(38)%
Noninterest income	1,008	1,059	781	(5)%	29%
Noninterest expense	2,049	2,109	1,267	(3)%	62%
Income before income taxes(a)	$1,113	$1,041	$842	7%	32%

Taxable equivalent adjustment	$5	$5	$5	—	—
Applicable income tax expense	242	235	188	3%	29%
Net income	$866	$801	$649	8%	33%
Dividends on preferred stock	38	38	41	—	(7)%
Net income available to common shareholders	$828	$763	$608	9%	36%
Earnings per share, diluted	$0.90	$0.83	$0.91	8%	(1)%

Fifth Third Bancorp (NYSE: FITB) today reported third quarter 2026 net income available to common shareholders of $828 million, or $0.90 per diluted share, compared to $763 million, or $0.83 per diluted share, in the prior quarter and $608 million, or $0.91 per diluted share, in the year-ago quarter.

Diluted earnings per share impact of certain item(s) - 3Q26

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

Merger-related charges(e)1,2

$(171)

Interchange litigation matters(e)3

(26)

Technology-related asset impairments(e)

(14)

After-tax impact of certain item(s)

$(211)

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

$(0.23)

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 $215 million and decreased noninterest income by $10 million; 3Interchange litigation matters increased noninterest expense by $5 million and decreased noninterest income by $29 million; 4Diluted earnings per share impact reflects 917.103 million average diluted shares outstanding


Net Interest Income
(FTE; $ in millions)(a)	For the Three Months Ended						% Change
	September		June		September
	2026		2026		2025		Seq	Yr/Yr
Interest Income
Interest income	$3,503		$3,377		$2,524		4%	39%
Interest expense	1,227		1,157		999		6%	23%
Net interest income (NII)	$2,276		$2,220		$1,525		3%	49%


Average Yield/Rate Analysis							bps Change
Yield on interest-earning assets	5.15	%	5.11	%	5.18	%	4	(3)
Rate paid on interest-bearing liabilities	2.50	%	2.44	%	2.77	%	6	(27)

Ratios
Net interest rate spread	2.65	%	2.67	%	2.41	%	(2)	24
Net interest margin (NIM)	3.34	%	3.36	%	3.13	%	(2)	21

Net interest income (FTE) increased 3% sequentially to $2.28 billion, reflecting the benefit of higher market rates, continued fixed-rate asset repricing, active investment portfolio management, and loan growth. These benefits were partially offset by higher deposit costs due to higher market rates and the migration of former off-balance-sheet Comerica investment sweep balances into interest-bearing deposits.

Compared with the year-ago quarter, net interest income increased 49%, primarily reflecting the addition of Comerica, with further support from fixed-rate asset repricing and balance sheet management.


Noninterest Income
($ in millions)	For the Three Months Ended			% Change
	September	June	September
	2026	2026	2025	Seq	Yr/Yr
Noninterest Income
Wealth and asset management revenue	$259	$256	$181	1%	43%
Commercial payments revenue	256	254	157	1%	63%
Consumer banking revenue	158	161	144	(2)%	10%
Capital markets fees	147	154	115	(5)%	28%
Commercial banking revenue	128	125	87	2%	47%
Mortgage banking net revenue	47	39	58	21%	(19)%
Other noninterest income	18	50	29	(64)%	(38)%
Securities (losses) gains, net	(5)	20	10	NM	NM


Total noninterest income	$1,008	$1,059	$781	(5)%	29%

Noninterest income of $1.01 billion decreased $51 million, or 5%, sequentially and increased $227 million, or 29%, year-over-year. The reported results reflect the impact of certain items in the table below, including interchange litigation matters, merger-related charges, and other 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.

Higher mortgage banking, commercial banking, and wealth and asset management revenue more than offset lower capital markets and consumer banking revenue. Wealth and asset management benefited from higher institutional trust and personal asset management revenue. Commercial payments was stable, as growth in deposit fees was offset by higher earnings credits. Capital markets fees declined as late-quarter market volatility slowed M&A advisory and loan syndication activity, more than offsetting higher corporate bond fees.


Noninterest Income excluding certain items
($ in millions)	For the Three Months Ended			% Change
	September	June	September
	2026	2026	2025	Seq	Yr/Yr
Noninterest Income excluding certain items
Noninterest income (U.S. GAAP)	$1,008	$1,059	$781
Interchange litigation matters	29	1	18
Merger-related charges	10	—	—
Other securities losses/(gains), net	5	(30)	(10)

Securities repositioning losses	—	10	—
Noninterest income excluding certain items(a)	$1,052	$1,040	$789	1%	33%

Excluding certain items, noninterest income increased 1% sequentially to $1.05 billion.


Noninterest Expense
($ in millions)	For the Three Months Ended			% Change
	September	June	September
	2026	2026	2025	Seq	Yr/Yr
Noninterest Expense
Compensation and benefits	$982	$1,129	$685	(13)%	43%
Technology and communications	300	250	128	20%	134%
Net occupancy expense	144	154	89	(6)%	62%
Card and processing expense	60	66	22	(9)%	173%
Equipment expense	59	60	44	(2)%	34%
Loan and lease expense	47	53	39	(11)%	21%
Marketing expense	57	65	34	(12)%	68%
Other noninterest expense	400	332	226	20%	77%
Total noninterest expense	$2,049	$2,109	$1,267	(3)%	62%

Noninterest expense of $2.05 billion decreased 3% sequentially, driven primarily by lower compensation and benefits expense. 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
	September	June	September
	2026	2026	2025	Seq	Yr/Yr
Noninterest Expense excluding certain item(s)
Noninterest expense (U.S. GAAP)	$2,049	$2,109	$1,267
Merger-related charges	(215)	(203)	—
Technology-related asset impairments	(19)	(7)	—
Interchange litigation matters	(5)	(1)	(9)
Severance expense	—	(7)	—


FDIC special assessment	—	—	6
Noninterest expense excluding certain item(s)(a)	$1,810	$1,891	$1,264	(4)%	43%
Non-qualified deferred compensation benefit/(expense)	6	(30)	(11)
Noninterest expense excluding certain item(s) and non-qualified deferred compensation(a)	$1,816	$1,861	$1,253	(2)%	45%

Noninterest expense excluding certain items and non-qualified deferred compensation decreased 2% sequentially to $1.82 billion. Merger-related charges recognized in noninterest expense totaled approximately 1.04 billion year-to-date, consistent with the integration timeline.


Average Interest-Earning Assets
($ in millions)	For the Three Months Ended			% Change
	September	June	September
	2026	2026	2025	Seq	Yr/Yr
Average Portfolio Loans and Leases
Commercial loans and leases:
Commercial and industrial loans	$85,982	$84,967	$54,170	1%	59%
Commercial mortgage loans	27,263	27,176	12,027	—	127%
Commercial construction loans	8,744	8,437	5,541	4%	58%
Commercial leases	3,574	3,503	3,177	2%	12%
Total commercial loans and leases	$125,563	$124,083	$74,915	1%	68%
Consumer loans:
Residential mortgage loans	$19,775	$19,626	$17,656	1%	12%
Home equity	7,023	6,830	4,579	3%	53%
Indirect secured consumer loans	18,182	18,239	17,729	—	3%
Credit card	1,646	1,646	1,678	—	(2)%
Solar energy installation loans	4,244	4,384	4,355	(3)%	(3)%
Other consumer loans	2,811	2,764	2,414	2%	16%
Total consumer loans	$53,681	$53,489	$48,411	—	11%
Total average portfolio loans and leases	$179,244	$177,572	$123,326	1%	45%

Average Loans and Leases Held for Sale
Commercial loans and leases held for sale	$170	$399	$44	(57)%	286%
Consumer loans held for sale	597	736	623	(19)%	(4)%
Total average loans and leases held for sale	$767	$1,135	$667	(32)%	15%

Total average loans and leases	$180,011	$178,707	$123,993	1%	45%

Securities (taxable and tax-exempt)	$68,543	$67,924	$54,592	1%	26%
Other short-term investments	21,469	18,358	14,915	17%	44%
Total average interest-earning assets	$270,023	$264,989	$193,500	2%	40%

Total average portfolio loans and leases of $179 billion increased 1% sequentially and 45% year-over-year. Sequential performance was driven by approximately $1.5 billion of growth in commercial loans and leases, while average consumer loans were broadly stable. Year-over-year growth primarily reflected the addition of Comerica.

Average securities (taxable and tax-exempt; amortized cost) of $69 billion increased 1% sequentially and 26% year-over-year, with sequential growth reflecting continued investment portfolio activity. Average other short-term investments (including interest-bearing cash) increased $3.1 billion, or 17%, sequentially, primarily reflecting the migration of the previously mentioned former off-balance-sheet Comerica investment sweep balances onto the balance sheet.


End of Period Interest-Earning Assets
($ in millions)	As of			% Change
	September	June	September
	2026	2026	2025	Seq	Yr/Yr
End of Period Portfolio Loans and Leases
Total commercial loans and leases	$126,366	$124,880	$74,423	1%	70%
Total consumer loans	53,906	53,648	48,707	—	11%
Total portfolio loans and leases	$180,272	$178,528	$123,130	1%	46%

End of Period Loans and Leases Held for Sale


Total loans and leases held for sale	$728	$866	$576	(16)%	26%

Total loans and leases	$181,000	$179,394	$123,706	1%	46%

Securities (taxable and tax-exempt)	$70,769	$68,332	$52,680	4%	34%
Other short-term investments	16,520	19,350	17,215	(15)%	(4)%
Total interest-earning assets	$268,289	$267,076	$193,601	—	39%

Period-end total portfolio loans and leases increased 1% sequentially to $180 billion. Commercial growth was led by construction and C&I originations, partly offset by elevated payoffs. Consumer growth reflected continued momentum in home equity, partially offset by expected runoff in solar energy installation loans.

Total period-end securities (taxable and tax-exempt; amortized cost) increased $2.4 billion sequentially to $71 billion as a portion of the liquidity held earlier in the quarter was deployed into higher-yielding investment securities. As a result, period-end short-term investments declined $2.8 billion even though average short-term investments were higher for the quarter.


Average Deposits
	($ in millions)	For the Three Months Ended			% Change
		September	June	September
		2026	2026	2025	Seq	Yr/Yr
	Average Deposits
	Demand	$64,228	$63,976	$41,235	—	56%
	Interest checking	75,025	70,507	56,624	6%	32%
	Savings	18,037	18,430	16,376	(2)%	10%
	Money market	66,247	63,200	37,434	5%	77%
	Total transaction deposits	$223,537	$216,113	$151,669	3%	47%
	CDs $250,000 or less	12,102	12,403	10,841	(2)%	12%
	Total core deposits	$235,639	$228,516	$162,510	3%	45%
	CDs over $250,0001	2,705	2,990	2,244	(10)%	21%

	Total average deposits	$238,344	$231,506	$164,754	3%	45%
	1CDs over $250,000 includes $1.0MM, $0.1BN, and $1.0BN of retail brokered certificates of deposit which are fully covered by FDIC insurance for the three months ended 9/30/26, 6/30/26, and 9/30/25, respectively.

Total average deposits increased 3% sequentially to $238 billion, reflecting operational deposit growth, the Southwest retail deposit campaign, and the migration of former off-balance-sheet Comerica investment sweep balances onto the balance sheet. Additionally, certain Comerica legacy deposit products were simplified into more modern interest checking products resulting in a shift from commercial savings and money market into interest checking.

Period-end total deposits increased 2% sequentially to $239 billion, with growth in interest-checking, partially offset by lower money market and CD balances. The period-end portfolio loan-to-core deposit ratio improved to 76% from 77% last quarter, as deposit growth modestly outpaced loan growth.


Average Wholesale Funding
	($ in millions)	For the Three Months Ended			% Change
		September	June	September
		2026	2026	2025	Seq	Yr/Yr
	Average Wholesale Funding
	CDs over $250,0001	$2,705	$2,990	$2,244	(10)%	21%

	Federal funds purchased	181	160	198	13%	(9)%
	Securities sold under repurchase agreements	395	444	376	(11)%	5%
	FHLB advances	2,365	3,437	4,920	(31)%	(52)%
	Derivative collateral and other secured borrowings	93	64	82	45%	13%
	Long-term debt	17,513	18,817	14,001	(7)%	25%
	Total average wholesale funding	$23,252	$25,912	$21,821	(10)%	7%
	1CDs over $250,000 includes $1.0MM, $0.1BN, and $1.0BN of retail brokered certificates of deposit which are fully covered by FDIC insurance for the three months ended 9/30/26, 6/30/26, and 9/30/25, respectively.

Strong deposit growth improved the overall funding mix and supported a 10% sequential reduction in average wholesale funding to $23 billion, driven primarily by decreases of $1.3 billion in long-term debt and $1.1 billion in FHLB advances.

Compared with the year-ago quarter, average wholesale funding increased 7%, reflecting the Comerica acquisition.


Credit Quality Summary
($ in millions)	As of and For the Three Months Ended
	September		June		March		December		September
	2026		2026		2026		2025		2025

Total nonaccrual portfolio loans and leases (NPLs)	$1,070		$1,041		$960		$767		$768
Repossessed property	9		10		11		11		12
OREO1	81		24		28		19		21
Total nonperforming portfolio loans and leases and OREO (NPAs)	$1,160		$1,075		$999		$797		$801

NPL ratio(f)	0.59	%	0.58	%	0.54	%	0.62	%	0.62	%
NPA ratio(c)	0.64	%	0.60	%	0.57	%	0.65	%	0.65	%

Portfolio loans and leases 30-89 days past due (accrual)	$540		$561		$683		$360		$348
Portfolio loans and leases 90 days past due (accrual)	42		33		49		30		29

30-89 days past due as a % of portfolio loans and leases	0.30	%	0.31	%	0.39	%	0.29	%	0.28	%
90 days past due as a % of portfolio loans and leases	0.02	%	0.02	%	0.03	%	0.02	%	0.02	%

Allowance for loan and lease losses (ALLL), beginning	$2,918		$2,922		$2,253		$2,265		$2,412
Total net losses charged-off	(139)		(135)		(144)		(125)		(339)
Provision for loan and lease losses	127		131		152		113		192
Allowance on PCD loans and leases at acquisition	—		(1)		180		—		—
Allowance on PSLs at acquisition	—		1		481		—		—
ALLL, ending	$2,906		$2,918		$2,922		$2,253		$2,265

Reserve for unfunded commitments, beginning	$230		$232		$157		$151		$146
(Benefit from) provision for the reserve for unfunded commitments	(5)		(2)		75		6		5
Reserve for unfunded commitments, ending	$225		$230		$232		$157		$151

Total allowance for credit losses (ACL)	$3,131		$3,148		$3,154		$2,410		$2,416

ACL ratios:
As a % of portfolio loans and leases	1.74	%	1.76	%	1.79	%	1.96	%	1.96	%
As a % of nonperforming portfolio loans and leases	292	%	303	%	328	%	314	%	314	%
As a % of nonperforming portfolio assets	270	%	293	%	316	%	302	%	302	%

ALLL as a % of portfolio loans and leases	1.61	%	1.63	%	1.66	%	1.84	%	1.84	%

Total losses charged-off	$(192)		$(181)		$(187)		$(177)		$(382)
Total recoveries of losses previously charged-off	53		46		43		52		43
Total net losses charged-off2	$(139)		$(135)		$(144)		$(125)		$(339)

Net charge-off ratio (NCO ratio)(b)2	0.31	%	0.30	%	0.37	%	0.40	%	1.09	%
Commercial NCO ratio	0.22	%	0.21	%	0.26	%	0.27	%	1.46	%
Consumer NCO ratio	0.52	%	0.53	%	0.58	%	0.59	%	0.52	%
1Includes branch-related real estate no longer intended to be used for banking purposes.
2Excludes net charge-offs of $100 million which were taken immediately at the time of acquisition.

The provision for credit losses declined to $122 million from $129 million in the prior quarter. The allowance for credit losses was $3.1 billion, or 1.74%, of total portfolio loans and leases, compared with 1.76% in the prior quarter. The modest decline in the ACL ratio reflected improvement in the commercial risk profile. The ACL coverage ratio remained strong at 292% of nonperforming portfolio loans and leases and 270% of nonperforming portfolio assets.

Net charge-offs totaled $139 million, or 0.31%, of average portfolio loans, compared with $135 million, or 0.30%, in the prior quarter. The commercial NCO ratio increased 1 bp sequentially to 0.22%, while the consumer NCO ratio declined 1 bp to 0.52%.

Compared with the year-ago quarter, the total NCO ratio improved 78 bps, largely because the prior year period included a $178 million asset-backed finance charge-off. Excluding that credit, the year-ago NCO ratio was 0.52%.

Credit quality remained stable, with early- and late-stage delinquencies, nonperforming portfolio loans and leases and nonperforming portfolio assets broadly unchanged sequentially. OREO was $81 million at September 30, 2026 and included $74 million of branch-related real estate no longer intended to be used for banking purposes primarily driven by the Comerica acquisition.


Capital Position
	As of and For the Three Months Ended
	September		June		March		December		September
	2026		2026		2026		2025		2025
Capital Position
Average total Bancorp shareholders' equity as a % of average assets	11.37	%	11.50	%	11.34	%	10.11	%	10.02	%
Tangible equity(a)	9.13	%	9.04	%	9.01	%	9.28	%	9.12	%
Tangible common equity (excluding AOCI)(a)	8.39	%	8.30	%	8.26	%	8.46	%	8.29	%
Tangible common equity (including AOCI)(a)	6.88	%	7.29	%	7.25	%	7.14	%	6.89	%

Regulatory Capital Ratios(d)
CET1 capital	10.02	%	9.93	%	9.89	%	10.81	%	10.57	%
Tier 1 risk-based capital	10.90	%	10.81	%	10.79	%	11.87	%	11.63	%
Total risk-based capital	12.54	%	12.50	%	12.50	%	13.78	%	13.54	%
Leverage	9.22	%	9.20	%	10.22	%	9.41	%	9.24	%

Fifth Third's CET1 capital ratio increased to 10.02%, compared with 9.93% in the prior quarter, as capital generated through earnings was partially offset by RWA growth. Fifth Third did not repurchase common shares during the quarter or year-to-date.

The effective tax rate for the quarter was 21.8% compared with 22.7% in the prior quarter and 22.6% in the year-ago quarter.

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.

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 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 entirety. Any qualifications, assumptions, conditions, limitations or other disclosures that apply to a particular item of information are deemed to apply, with any necessary adjustments to all references to that information throughout this press release.

Quarterly Financial Review for September 30, 2026




			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)		September		June		September						September		September
		2026		2026		2025		Seq		Yr/Yr		2026		2025		Yr/Yr
Income Statement Data
Net interest income		$2,271		$2,215		$1,520		3%		49%		$6,420		$4,453		44%
Net interest income (FTE)(a)		2,276		2,220		1,525		3%		49%		6,435		4,468		44%
Noninterest income		1,008		1,059		781		(5%)		29%		2,962		2,224		33%
	Total revenue (FTE)(a)	3,284		3,279		2,306		—		42%		9,397		6,692		40%
Provision for credit losses		122		129		197		(5%)		(38%)		479		544		(12%)
Noninterest expense		2,049		2,109		1,267		(3%)		62%		6,553		3,835		71%
Net income		866		801		649		8%		33%		1,832		1,791		2%
Net income available to common shareholders		828		763		608		9%		36%		1,719		1,677		3%

Earnings Per Share Data
Net income allocated to common shareholders		$828		$763		$608		9%		36%		$1,719		$1,677		3%
Average common shares outstanding (in thousands):
	Basic	911,919		911,613		666,427		—		37%		883,202		669,405		32%
	Diluted	917,103		915,959		670,878		—		37%		888,097		673,632		32%
Earnings per share, basic		$0.91		$0.84		$0.91		8%		—		$1.95		$2.51		(22%)
Earnings per share, diluted		0.90		0.83		0.91		8%		(1%)		1.94		2.49		(22%)

Common Share Data
Cash dividends per common share		$0.42		$0.40		$0.40		5%		5%		$1.22		$1.14		7%
Book value per share		34.31		35.63		29.26		(4%)		17%		34.31		29.26		17%
Market value per share		50.58		56.37		44.55		(10%)		14%		50.58		44.55		14%
Common shares outstanding (in thousands)		907,367		906,573		660,973		—		37%		907,367		660,973		37%
Market capitalization		$45,895		$51,103		$29,446		(10%)		56%		$45,895		$29,446		56%

Financial Ratios
Return on average assets		1.14	%	1.08	%	1.21	%	6		(7)		0.85	%	1.13	%	(28)
Return on average common equity		10.2	%	9.5	%	12.6	%	70		(240)		7.5	%	12.1	%	(460)
Return on average tangible common equity(a)		16.6	%	15.6	%	17.3	%	100		(70)		12.3	%	16.8	%	(450)
Noninterest income as a percent of total revenue(a)		31	%	32	%	34	%	(100)		(300)		32	%	33	%	(100)
Dividend payout		46.2	%	47.6	%	44.0	%	NM		NM		62.6	%	45.4	%	NM
Average total Bancorp shareholders’ equity as a percent of average assets		11.37	%	11.50	%	10.02	%	(13)		135		11.40	%	9.78	%	162
Tangible common equity(a)		8.39	%	8.30	%	8.29	%	9		10		8.39	%	8.29	%	10
Net interest margin (FTE)(a)		3.34	%	3.36	%	3.13	%	(2)		21		3.34	%	3.10	%	24
Efficiency (FTE)(a)		62.4	%	64.3	%	54.9	%	(190)		750		69.7	%	57.3	%	NM
Effective tax rate		21.8	%	22.7	%	22.6	%	(90)		(80)		22.0	%	22.1	%	(10)

Credit Quality
Net losses charged-off(h)		$139		$135		$339		3	%	(59	%)	$419		$614		(32	%)
Net losses charged-off as a percent of average portfolio loans and leases (annualized)		0.31	%	0.30	%	1.09	%	1		(78)		0.33	%	0.67	%	(34)
ALLL as a percent of portfolio loans and leases		1.61	%	1.63	%	1.84	%	(2)		(23)		1.61	%	1.84	%	(23)
ACL as a percent of portfolio loans and leases(f)		1.74	%	1.76	%	1.96	%	(2)		(22)		1.74	%	1.96	%	(22)
Nonperforming portfolio assets as a percent of portfolio loans and leases and OREO		0.64	%	0.60	%	0.65	%	4		(1)		0.64	%	0.65	%	(1)

Average Balances
Loans and leases, including held for sale		$180,011		$178,707		$123,993		1%		45%		$172,414		$123,147		40%
Securities and other short-term investments		90,012		86,282		69,507		4%		30%		85,362		69,853		22%
Assets		302,119		297,948		211,770		1%		43%		288,673		210,965		37%
Transaction deposits(b)		223,537		216,113		151,669		3%		47%		211,624		151,327		40%
Core deposits(c)		235,639		228,516		162,510		3%		45%		223,674		161,901		38%
Wholesale funding(d)		23,252		25,912		21,821		(10%)		7%		23,577		22,167		6%
Bancorp shareholders' equity		34,338		34,260		21,216		—		62%		32,917		20,633		60%

Regulatory Capital Ratios(e)
CET1 capital		10.02	%	9.93	%	10.57	%	9		(55)		10.02	%	10.57	%	(55)
Tier 1 risk-based capital		10.90	%	10.81	%	11.63	%	9		(73)		10.90	%	11.63	%	(73)
Total risk-based capital		12.54	%	12.50	%	13.54	%	4		(100)		12.54	%	13.54	%	(100)
Leverage		9.22	%	9.20	%	9.24	%	2		(2)		9.22	%	9.24	%	(2)

Additional Metrics
Banking centers		1,429		1,500		1,102		(5%)		30%		1,429		1,102		30%
ATMs		2,549		2,648		2,184		(4%)		17%		2,549		2,184		17%
Full-time equivalent employees		25,069		25,197		18,476		(1%)		36%		25,069		18,476		36%
Assets under care ($ in billions)(g)		$880		$902		$681		(2%)		29%		$880		$681		29%
Assets under management ($ in billions)(g)		125		128		77		(2%)		62%		125		77		62%

(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 $100 million which were taken 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)		September		June		March		December		September
		2026		2026		2026		2025		2025
Income Statement Data
Net interest income		$2,271		$2,215		$1,934		$1,529		$1,520
Net interest income (FTE)(a)		2,276		2,220		1,939		1,533		1,525
Noninterest income		1,008		1,059		895		811		781
	Total revenue (FTE)(a)	3,284		3,279		2,834		2,344		2,306
Provision for credit losses		122		129		227		119		197
Noninterest expense		2,049		2,109		2,395		1,309		1,267
Net income		866		801		165		731		649
Net income available to common shareholders		828		763		128		699		608

Earnings Per Share Data
Net income allocated to common shareholders		$828		$763		$128		$699		$608
Average common shares outstanding (in thousands):
	Basic	911,919		911,613		825,119		664,384		666,427
	Diluted	917,103		915,959		830,274		669,153		670,878
Earnings per share, basic		$0.91		$0.84		$0.16		$1.05		$0.91
Earnings per share, diluted		0.90		0.83		0.15		1.04		0.91

Common Share Data
Cash dividends per common share		$0.42		$0.40		$0.40		$0.40		$0.40
Book value per share		34.31		35.63		35.24		30.18		29.26
Market value per share		50.58		56.37		46.46		46.81		44.55
Common shares outstanding (in thousands)		907,367		906,573		905,823		661,198		660,973
Market capitalization		$45,895		$51,103		$42,085		$30,951		$29,446

Financial Ratios
Return on average assets		1.14	%	1.08	%	0.25	%	1.36	%	1.21	%
Return on average common equity		10.2	%	9.5	%	1.8	%	14.0	%	12.6	%
Return on average tangible common equity(a)		16.6	%	15.6	%	3.5	%	19.0	%	17.3	%
Noninterest income as a percent of total revenue(a)		31	%	32	%	32	%	35	%	34	%
Dividend payout		46.2	%	47.6	%	250.0	%	38.1	%	44.0	%
Average total Bancorp shareholders’ equity as a percent of average assets		11.37	%	11.50	%	11.34	%	10.11	%	10.02	%
Tangible common equity(a)		8.39	%	8.30	%	8.26	%	8.46	%	8.29	%
Net interest margin (FTE)(a)		3.34	%	3.36	%	3.30	%	3.13	%	3.13	%
Efficiency (FTE)(a)		62.4	%	64.3	%	84.5	%	55.8	%	54.9	%
Effective tax rate		21.8	%	22.7	%	20.1	%	19.8	%	22.6	%

Credit Quality
Net losses charged-off(h)		$139		$135		$144		$125		$339
Net losses charged-off as a percent of average portfolio loans and leases (annualized)		0.31	%	0.30	%	0.37	%	0.40	%	1.09	%
ALLL as a percent of portfolio loans and leases		1.61	%	1.63	%	1.66	%	1.84	%	1.84	%
ACL as a percent of portfolio loans and leases(f)		1.74	%	1.76	%	1.79	%	1.96	%	1.96	%
Nonperforming portfolio assets as a percent of portfolio loans and leases and OREO		0.64	%	0.60	%	0.57	%	0.65	%	0.65	%

Average Balances
Loans and leases, including held for sale		$180,011		$178,707		$158,283		$124,147		$123,993
Securities and other short-term investments		90,012		86,282		79,678		69,997		69,507
Assets		302,119		297,948		265,551		213,021		211,770
Transaction deposits(b)		223,537		216,113		194,904		155,895		151,669
Core deposits(c)		235,639		228,516		206,545		166,436		162,510
Wholesale funding(d)		23,252		25,912		21,551		18,853		21,821
Bancorp shareholders’ equity		34,338		34,260		30,108		21,527		21,216

Regulatory Capital Ratios(e)
CET1 capital		10.02	%	9.93	%	9.89	%	10.81	%	10.57	%
Tier 1 risk-based capital		10.90	%	10.81	%	10.79	%	11.87	%	11.63	%
Total risk-based capital		12.54	%	12.50	%	12.50	%	13.78	%	13.54	%
Leverage		9.22	%	9.20	%	10.22	%	9.41	%	9.24	%

Additional Metrics
Banking centers		1,429		1,500		1,489		1,130		1,102
ATMs		2,549		2,648		2,643		2,199		2,184
Full-time equivalent employees		25,069		25,197		25,980		18,676		18,476
Assets under care ($ in billions)(g)		$880		$902		$865		$690		$681
Assets under management ($ in billions)(g)		125		128		119		80		77

(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 $100 million which were taken 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)	September	June	September			September	September
	2026	2026	2025	Seq	Yr/Yr	2026	2025	Yr/Yr
Interest Income
Interest and fees on loans and leases	$2,669	$2,607	$1,909	2%	40%	$7,570	$5,604	35%
Interest on securities	631	598	444	6%	42%	1,730	1,354	28%
Interest on other short-term investments	198	167	166	19%	19%	543	477	14%
Total interest income	3,498	3,372	2,519	4%	39%	9,843	7,435	32%

Interest Expense
Interest on deposits	983	891	750	10%	31%	2,688	2,226	21%
Interest on short-term borrowings	28	38	61	(26%)	(54%)	71	181	(61%)
Interest on long-term debt	216	228	188	(5%)	15%	664	575	15%
Total interest expense	1,227	1,157	999	6%	23%	3,423	2,982	15%

Net Interest Income	2,271	2,215	1,520	3%	49%	6,420	4,453	44%

Provision for credit losses	122	129	197	(5%)	(38%)	479	544	(12%)
Net Interest Income After Provision for Credit Losses	2,149	2,086	1,323	3%	62%	5,941	3,909	52%

Noninterest Income
Wealth and asset management revenue	259	256	181	1%	43%	748	519	44%
Commercial payments revenue	256	254	157	1%	63%	728	462	58%
Consumer banking revenue	158	161	144	(2%)	10%	465	428	9%
Capital markets fees	147	154	115	(5%)	28%	435	294	48%
Commercial banking revenue	128	125	87	2%	47%	358	247	45%
Mortgage banking net revenue	47	39	58	21%	(19%)	130	171	(24%)
Other noninterest income	18	50	29	(64%)	(38%)	95	86	10%
Securities gains (losses), net	(5)	20	10	NM	NM	3	17	(82%)

Total noninterest income	1,008	1,059	781	(5%)	29%	2,962	2,224	33%

Noninterest Expense
Compensation and benefits	982	1,129	685	(13%)	43%	3,521	2,132	65%
Technology and communications	300	250	128	20%	134%	753	378	99%
Net occupancy expense	144	154	89	(6%)	62%	439	260	69%
Card and processing expense	60	66	22	(9%)	173%	205	65	215%
Equipment expense	59	60	44	(2%)	34%	173	126	37%
Loan and lease expense	47	53	39	(11%)	21%	142	105	35%
Marketing expense	57	65	34	(12%)	68%	171	105	63%
Other noninterest expense	400	332	226	20%	77%	1,149	664	73%
Total noninterest expense	2,049	2,109	1,267	(3%)	62%	6,553	3,835	71%
Income Before Income Taxes	1,108	1,036	837	7%	32%	2,350	2,298	2%
Applicable income tax expense	242	235	188	3%	29%	518	507	2%
Net Income	866	801	649	8%	33%	1,832	1,791	2%
Dividends on preferred stock	38	38	41	—	(7%)	113	114	(1%)
Net Income Available to Common Shareholders	$828	$763	$608	9%	36%	$1,719	$1,677	3%


Fifth Third Bancorp and Subsidiaries
Consolidated Statements of Income
$ in millions	For the Three Months Ended
(unaudited)	September	June	March	December	September
	2026	2026	2026	2025	2025
Interest Income
Interest and fees on loans and leases	$2,669	$2,607	$2,293	$1,862	$1,909
Interest on securities	631	598	501	431	444
Interest on other short-term investments	198	167	178	175	166
Total interest income	3,498	3,372	2,972	2,468	2,519

Interest Expense
Interest on deposits	983	891	813	726	750
Interest on short-term borrowings	28	38	5	34	61
Interest on long-term debt	216	228	220	179	188
Total interest expense	1,227	1,157	1,038	939	999

Net Interest Income	2,271	2,215	1,934	1,529	1,520

Provision for credit losses	122	129	227	119	197
Net Interest Income After Provision for Credit Losses	2,149	2,086	1,707	1,410	1,323

Noninterest Income
Wealth and asset management revenue	259	256	233	185	181
Commercial payments revenue	256	254	218	167	157
Consumer banking revenue	158	161	146	143	144
Capital markets fees	147	154	134	121	115
Commercial banking revenue	128	125	105	102	87
Mortgage banking net revenue	47	39	44	56	58
Other noninterest income	18	50	27	42	29
Securities (losses) gains, net	(5)	20	(12)	(5)	10

Total noninterest income	1,008	1,059	895	811	781

Noninterest Expense
Compensation and benefits	982	1,129	1,410	683	685
Technology and communications	300	250	204	138	128
Net occupancy expense	144	154	140	89	89
Card and processing expense	60	66	79	27	22
Equipment expense	59	60	55	43	44
Loan and lease expense	47	53	42	41	39
Marketing expense	57	65	50	37	34
Other noninterest expense	400	332	415	251	226
Total noninterest expense	2,049	2,109	2,395	1,309	1,267
Income Before Income Taxes	1,108	1,036	207	912	837
Applicable income tax expense	242	235	42	181	188
Net Income	866	801	165	731	649
Dividends on preferred stock	38	38	37	32	41
Net Income Available to Common Shareholders	$828	$763	$128	$699	$608


Fifth Third Bancorp and Subsidiaries
Consolidated Balance Sheets
$ in millions, except per share data	As of			% Change
(unaudited)	September	June	September
	2026	2026	2025	Seq		Yr/Yr
Assets
Cash and due from banks	$4,086	$4,374	$2,901	(7%)		41%
Other short-term investments	16,520	19,350	17,215	(15%)		(4%)
Available-for-sale debt and other securities(a)	42,984	44,466	36,461	(3%)		18%
Held-to-maturity securities(b)	20,862	18,404	11,498	13%		81%
Trading debt securities	1,760	1,853	1,266	(5%)		39%
Equity securities	471	495	287	(5%)		64%
Loans and leases held for sale	728	866	576	(16%)		26%
Portfolio loans and leases:
Commercial and industrial loans	86,144	85,736	53,947	—		60%
Commercial mortgage loans	27,486	27,196	11,932	1%		130%
Commercial construction loans	8,957	8,459	5,326	6%		68%
Commercial leases	3,779	3,489	3,218	8%		17%
Total commercial loans and leases	126,366	124,880	74,423	1%		70%
Residential mortgage loans	19,895	19,713	17,644	1%		13%
Home equity	7,132	6,929	4,678	3%		52%
Indirect secured consumer loans	18,196	18,186	17,885	—		2%
Credit card	1,660	1,683	1,692	(1%)		(2%)
Solar energy installation loans	4,193	4,314	4,432	(3%)		(5%)
Other consumer loans	2,830	2,823	2,376	—		19%
Total consumer loans	53,906	53,648	48,707	—		11%
Portfolio loans and leases	180,272	178,528	123,130	1%		46%
Allowance for loan and lease losses	(2,906)	(2,918)	(2,265)	—		28%
Portfolio loans and leases, net	177,366	175,610	120,865	1%		47%
Bank premises and equipment	3,336	3,343	2,655	—		26%
Goodwill	9,984	9,990	4,947	—		102%
Intangible assets	1,190	1,253	76	(5%)		NM
Servicing rights	1,669	1,607	1,601	4%		4%
Other assets	20,268	18,569	12,555	9%		61%
Total Assets	$301,224	$300,180	$212,903	—		41%

Liabilities
Deposits:
Demand	$64,747	$63,928	$41,830	1%		55%
Interest checking	81,784	70,527	57,239	16%		43%
Savings	18,002	18,161	16,110	(1%)		12%
Money market	60,842	65,932	38,748	(8%)		57%
CDs $250,000 or less	11,576	12,708	10,667	(9%)		9%
CDs over $250,000	2,535	2,885	1,975	(12%)		28%
Total deposits	239,486	234,141	166,569	2%		44%
Short-term borrowings	1,200	4,633	5,260	(74%)		(77%)
Accrued taxes, interest and expenses	2,955	3,022	1,943	(2%)		52%
Other liabilities	7,330	6,266	4,347	17%		69%
Long-term debt	16,938	17,636	13,677	(4%)		24%
Total Liabilities	267,909	265,698	191,796	1%		40%
Equity
Common stock(c)	2,585	2,585	2,051	—		26%
Preferred stock	2,182	2,182	1,770	—		23%
Capital surplus	15,619	15,603	3,813	—		310%
Retained earnings	26,085	25,645	25,057	2%		4%
Accumulated other comprehensive loss	(4,919)	(3,286)	(3,276)	50%		50%
Treasury stock	(8,237)	(8,247)	(8,308)	—		(1%)
Total Equity	33,315	34,482	21,107	(3%)		58%
Total Liabilities and Equity	$301,224	$300,180	$212,903	—		41%
(a) Amortized cost	$47,718	$47,623	$39,617	—		20%
(b) Market values	19,823	18,258	11,506	9	%	72	%
(c) Common shares, stated value $2.22 per share (in thousands):
Authorized	2,000,000	2,000,000	2,000,000	—		—
Outstanding, excluding treasury	907,367	906,573	660,973	—		—
Treasury	256,872	257,666	262,919	—		—


Fifth Third Bancorp and Subsidiaries
Consolidated Balance Sheets
$ in millions, except per share data	As of
(unaudited)	September	June	March	December	September
	2026	2026	2026	2025	2025
Assets
Cash and due from banks	$4,086	$4,374	$4,084	$3,499	$2,901
Other short-term investments	16,520	19,350	17,456	18,876	17,215
Available-for-sale debt and other securities(a)	42,984	44,466	46,161	36,159	36,461
Held-to-maturity securities(b)	20,862	18,404	16,389	11,368	11,498
Trading debt securities	1,760	1,853	1,669	1,057	1,266
Equity securities	471	495	544	453	287
Loans and leases held for sale	728	866	1,365	733	576
Portfolio loans and leases:
Commercial and industrial loans	86,144	85,736	83,864	52,749	53,947
Commercial mortgage loans	27,486	27,196	27,143	12,228	11,932
Commercial construction loans	8,957	8,459	8,329	5,316	5,326
Commercial leases	3,779	3,489	3,523	3,269	3,218
Total commercial loans and leases	126,366	124,880	122,859	73,562	74,423
Residential mortgage loans	19,895	19,713	19,507	17,652	17,644
Home equity	7,132	6,929	6,735	4,846	4,678
Indirect secured consumer loans	18,196	18,186	18,296	17,964	17,885
Credit card	1,660	1,683	1,658	1,747	1,692
Solar energy installation loans	4,193	4,314	4,465	4,560	4,432
Other consumer loans	2,830	2,823	2,730	2,320	2,376
Total consumer loans	53,906	53,648	53,391	49,089	48,707
Portfolio loans and leases	180,272	178,528	176,250	122,651	123,130
Allowance for loan and lease losses	(2,906)	(2,918)	(2,922)	(2,253)	(2,265)
Portfolio loans and leases, net	177,366	175,610	173,328	120,398	120,865
Bank premises and equipment	3,336	3,343	3,283	2,734	2,655
Goodwill	9,984	9,990	9,966	4,947	4,947
Intangible assets	1,190	1,253	1,233	69	76
Servicing rights	1,669	1,607	1,583	1,598	1,601
Other assets	20,268	18,569	19,978	12,485	12,555
Total Assets	$301,224	$300,180	$297,039	$214,376	$212,903

Liabilities
Deposits:
Demand	$64,747	$63,928	$65,335	$42,647	$41,830
Interest checking	81,784	70,527	72,425	61,155	57,239
Savings	18,002	18,161	18,610	16,155	16,110
Money market	60,842	65,932	62,345	39,285	38,748
CDs $250,000 or less	11,576	12,708	11,807	10,599	10,667
CDs over $250,000	2,535	2,885	3,099	1,978	1,975
Total deposits	239,486	234,141	233,621	171,819	166,569
Short-term borrowings	1,200	4,633	1,289	926	5,260
Accrued taxes, interest and expenses	2,955	3,022	2,628	2,083	1,943
Other liabilities	7,330	6,266	6,642	4,235	4,347
Long-term debt	16,938	17,636	18,753	13,589	13,677
Total Liabilities	267,909	265,698	262,933	192,652	191,796
Equity
Common stock(c)	2,585	2,585	2,585	2,051	2,051
Preferred stock	2,182	2,182	2,182	1,770	1,770
Capital surplus	15,619	15,603	15,586	3,831	3,813
Retained earnings	26,085	25,645	25,248	25,488	25,057
Accumulated other comprehensive loss	(4,919)	(3,286)	(3,234)	(3,110)	(3,276)
Treasury stock	(8,237)	(8,247)	(8,261)	(8,306)	(8,308)
Total Equity	33,315	34,482	34,106	21,724	21,107
Total Liabilities and Equity	$301,224	$300,180	$297,039	$214,376	$212,903
(a) Amortized cost	$47,718	$47,623	$49,238	$39,107	$39,617
(b) Market values	19,823	18,258	16,341	11,404	11,506
(c) Common shares, stated value $2.22 per share (in thousands):
Authorized	2,000,000	2,000,000	2,000,000	2,000,000	2,000,000
Outstanding, excluding treasury	907,367	906,573	905,823	661,198	660,973
Treasury	256,872	257,666	258,416	262,695	262,919


Fifth Third Bancorp and Subsidiaries
Consolidated Statements of Changes in Equity
$ in millions
(unaudited)
			For the Three Months Ended		Year to Date
			September	September	September	September
			2026	2025	2026	2025
Total Equity, Beginning			$34,482	$21,124	$21,724	$19,645
Net income			866	649	1,832	1,791
Other comprehensive (loss) income, net of tax:
Change in unrealized (losses) gains:
		Available-for-sale debt securities	(1,203)	230	(1,365)	890
		Qualifying cash flow hedges	(457)	14	(577)	397
Amortization of unrealized losses on securities transferred to held-to-maturity			25	25	71	72
Change in accumulated other comprehensive income related to employee benefit plans			2	1	62	1

Comprehensive income (loss)			(767)	919	23	3,151
Cash dividends declared:
	Common stock		(388)	(269)	(1,122)	(770)
	Preferred stock		(38)	(37)	(113)	(110)
Impact of Comerica acquisition			—	—	12,676	—
Impact of stock transactions under stock compensation plans, net			26	23	128	70
Shares acquired for treasury			—	(303)	—	(529)
Redemption of preferred stock			—	(350)	—	(350)
Other			—	—	(1)	—


Total Equity, Ending			$33,315	$21,107	$33,315	$21,107


Fifth Third Bancorp and Subsidiaries
Average Balance Sheets and Yield/Rate Analysis	For the Three Months Ended
$ in millions	September			June			September
(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)	$86,052	5.89	%	$85,260	5.90	%	$54,196	6.20	%
Commercial mortgage loans(a)	27,297	5.96	%	27,215	5.82	%	12,043	6.26	%
Commercial construction loans(a)	8,810	6.49	%	8,504	6.50	%	5,541	7.17	%
Commercial leases(a)	3,574	4.67	%	3,503	4.61	%	3,177	4.70	%
Total commercial loans and leases	125,733	5.91	%	124,482	5.89	%	74,957	6.22	%
Residential mortgage loans	20,372	4.25	%	20,362	4.16	%	18,279	4.03	%
Home equity	7,023	6.90	%	6,830	6.95	%	4,580	7.43	%
Indirect secured consumer loans	18,182	5.54	%	18,239	5.53	%	17,729	5.65	%
Credit card	1,646	14.07	%	1,646	13.69	%	1,678	14.26	%
Solar energy installation loans	4,244	7.82	%	4,384	7.93	%	4,355	8.76	%
Other consumer loans	2,811	8.64	%	2,764	8.66	%	2,415	9.25	%
Total consumer loans	54,278	5.83	%	54,225	5.80	%	49,036	5.96	%
Total loans and leases	180,011	5.89	%	178,707	5.86	%	123,993	6.12	%
Securities:
Taxable securities	67,170	3.68	%	66,532	3.55	%	53,244	3.25	%
Tax exempt securities(a)	1,373	3.23	%	1,392	3.25	%	1,348	3.18	%
Other short-term investments	21,469	3.66	%	18,358	3.64	%	14,915	4.43	%
Total interest-earning assets	270,023	5.15	%	264,989	5.11	%	193,500	5.18	%
Cash and due from banks	3,449			3,307			2,485
Other assets	31,565			32,574			18,196
Allowance for loan and lease losses	(2,918)			(2,922)			(2,411)
Total Assets	$302,119			$297,948			$211,770

Liabilities
Interest-bearing liabilities:
Interest checking deposits	$75,025	2.26	%	$70,507	2.15	%	$56,624	2.72	%
Savings deposits	18,037	0.36	%	18,430	0.35	%	16,376	0.46	%
Money market deposits	66,247	2.56	%	63,200	2.43	%	37,434	2.40	%
CDs $250,000 or less	12,102	2.97	%	12,403	2.94	%	10,841	3.46	%
Total interest-bearing core deposits	171,411	2.23	%	164,540	2.11	%	121,275	2.38	%
CDs over $250,000	2,705	3.17	%	2,990	3.25	%	2,244	4.00	%

Total interest-bearing deposits	174,116	2.24	%	167,530	2.13	%	123,519	2.41	%
Federal funds purchased	181	3.69	%	160	3.65	%	198	4.35	%
Securities sold under repurchase agreements	395	1.63	%	444	1.69	%	376	1.65	%
FHLB advances	2,365	3.89	%	3,437	3.88	%	4,920	4.51	%
Derivative collateral and other secured borrowings	93	6.33	%	64	7.25	%	82	6.13	%
Long-term debt	17,513	4.90	%	18,817	4.87	%	14,001	5.31	%
Total interest-bearing liabilities	194,663	2.50	%	190,452	2.44	%	143,096	2.77	%
Demand deposits	64,228			63,976			41,235
Other liabilities	8,890			9,260			6,223
Total Liabilities	267,781			263,688			190,554
Total Equity	34,338			34,260			21,216
Total Liabilities and Equity	$302,119			$297,948			$211,770
Ratios:
Net interest margin (FTE)(b)		3.34	%		3.36	%		3.13	%
Net interest rate spread (FTE)(b)		2.65	%		2.67	%		2.41	%
Interest-bearing liabilities to interest-earning assets		72.09	%		71.87	%		73.95	%
(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	September			September
(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)	$81,586	5.89	%	$53,916	6.23	%
Commercial mortgage loans(a)	25,524	5.88	%	12,282	6.12	%
Commercial construction loans(a)	8,206	6.48	%	5,720	7.09	%
Commercial leases(a)	3,476	4.71	%	3,136	4.77	%
Total commercial loans and leases	118,792	5.90	%	75,054	6.22	%
Residential mortgage loans	20,052	4.20	%	18,139	3.99	%
Home equity	6,643	6.95	%	4,396	7.47	%
Indirect secured consumer loans	18,175	5.54	%	17,156	5.62	%
Credit card	1,650	13.90	%	1,655	14.44	%
Solar energy installation loans	4,380	7.98	%	4,282	8.30	%
Other consumer loans	2,722	8.69	%	2,465	9.24	%
Total consumer loans	53,622	5.83	%	48,093	5.90	%
Total loans and leases	172,414	5.88	%	123,147	6.09	%
Securities:
Taxable securities	64,128	3.55	%	54,441	3.26	%
Tax exempt securities(a)	1,376	3.25	%	1,362	3.18	%
Other short-term investments	19,858	3.65	%	14,050	4.54	%
Total interest-earning assets	257,776	5.11	%	193,000	5.16	%
Cash and due from banks	3,275			2,437
Other assets	30,465			17,911
Allowance for loan and lease losses	(2,843)			(2,383)
Total Assets	$288,673			$210,965

Liabilities
Interest-bearing liabilities:
Interest checking deposits	$70,996	2.20	%	$57,103	2.70	%
Savings deposits	18,006	0.35	%	16,852	0.49	%
Money market deposits	61,266	2.47	%	36,731	2.41	%
CDs $250,000 or less	12,050	3.01	%	10,574	3.54	%
Total interest-bearing core deposits	162,318	2.16	%	121,260	2.38	%
CDs over $250,000	2,833	3.27	%	2,263	4.17	%
Total interest-bearing deposits	165,151	2.18	%	123,523	2.41	%
Federal funds purchased	173	3.67	%	199	4.37	%
Securities sold under repurchase agreements	387	1.51	%	339	1.27	%
FHLB advances	1,975	3.89	%	4,888	4.57	%
Derivative collateral and other secured borrowings	80	6.97	%	85	6.06	%
Long-term debt	18,129	4.90	%	14,393	5.35	%
Total interest-bearing liabilities	185,895	2.46	%	143,427	2.78	%
Demand deposits	61,356			40,641
Other liabilities	8,505			6,264
Total Liabilities	255,756			190,332
Total Equity	32,917			20,633
Total Liabilities and Equity	$288,673			$210,965
Ratios:
Net interest margin (FTE)(b)		3.34	%		3.10	%
Net interest rate spread (FTE)(b)		2.65	%		2.38	%
Interest-bearing liabilities to interest-earning assets		72.12	%		74.31	%
(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)	September	June	March	December	September
	2026	2026	2026	2025	2025
Average Portfolio Loans and Leases
Commercial loans and leases:
Commercial and industrial loans	$85,982	$84,967	$73,264	$53,947	$54,170
Commercial mortgage loans	27,263	27,176	21,969	12,079	12,027
Commercial construction loans	8,744	8,437	7,278	5,399	5,541
Commercial leases	3,574	3,503	3,347	3,172	3,177
Total commercial loans and leases	125,563	124,083	105,858	74,597	74,915
Consumer loans:
Residential mortgage loans	19,775	19,626	18,848	17,660	17,656
Home equity	7,023	6,830	6,064	4,769	4,579
Indirect secured consumer loans	18,182	18,239	18,105	17,879	17,729
Credit card	1,646	1,646	1,659	1,694	1,678
Solar energy installation loans	4,244	4,384	4,516	4,486	4,355
Other consumer loans	2,811	2,764	2,582	2,345	2,414
Total consumer loans	53,681	53,489	51,774	48,833	48,411
Total average portfolio loans and leases	$179,244	$177,572	$157,632	$123,430	$123,326

Average Loans and Leases Held for Sale
Commercial loans and leases held for sale	$170	$399	$85	$19	$44
Consumer loans held for sale	597	736	566	698	623
Average loans and leases held for sale	$767	$1,135	$651	$717	$667

End of Period Portfolio Loans and Leases
Commercial loans and leases:
Commercial and industrial loans	$86,144	$85,736	$83,864	$52,749	$53,947
Commercial mortgage loans	27,486	27,196	27,143	12,228	11,932
Commercial construction loans	8,957	8,459	8,329	5,316	5,326
Commercial leases	3,779	3,489	3,523	3,269	3,218
Total commercial loans and leases	126,366	124,880	122,859	73,562	74,423
Consumer loans:
Residential mortgage loans	19,895	19,713	19,507	17,652	17,644
Home equity	7,132	6,929	6,735	4,846	4,678
Indirect secured consumer loans	18,196	18,186	18,296	17,964	17,885
Credit card	1,660	1,683	1,658	1,747	1,692
Solar energy installation loans	4,193	4,314	4,465	4,560	4,432
Other consumer loans	2,830	2,823	2,730	2,320	2,376
Total consumer loans	53,906	53,648	53,391	49,089	48,707
Total portfolio loans and leases	$180,272	$178,528	$176,250	$122,651	$123,130

End of Period Loans and Leases Held for Sale
Commercial loans and leases held for sale	$233	$171	$651	$75	$8
Consumer loans held for sale	495	695	714	658	568
Loans and leases held for sale	$728	$866	$1,365	$733	$576

Operating lease equipment	$454	$417	$416	$374	$379

Loans and Leases Serviced for Others(a)
Commercial and industrial loans	$2,144	$1,838	$1,801	$1,290	$1,206
Commercial mortgage loans	2,718	2,193	518	501	558
Commercial construction loans	769	292	318	291	304
Commercial leases	777	817	821	853	764
Residential mortgage loans	85,091	85,907	86,733	87,827	89,639
Solar energy installation loans	622	643	665	686	692
Other consumer loans	76	81	86	92	98
Total loans and leases serviced for others	92,197	91,771	90,942	91,540	93,261
Total loans and leases owned or serviced	$273,651	$271,582	$268,973	$215,298	$217,346

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


Fifth Third Bancorp and Subsidiaries
Regulatory Capital
$ in millions		As of
(unaudited)		September		June		March		December		September
		2026(a)		2026		2026		2025		2025
Regulatory Capital
CET1 capital		$25,002		$24,508		$24,136		$18,099		$17,645
Additional tier 1 capital		2,182		2,182		2,182		1,770		1,770
Tier 1 capital		27,184		26,690		26,318		19,869		19,415
Tier 2 capital		4,099		4,173		4,179		3,197		3,204
Total regulatory capital		$31,283		$30,863		$30,497		$23,066		$22,619
Risk-weighted assets		$249,506		$246,820		$243,964		$167,431		$166,999

Ratios
Average total Bancorp shareholders' equity as a percent of average assets		11.37	%	11.50	%	11.34	%	10.11	%	10.02	%

Regulatory Capital Ratios
Fifth Third Bancorp
	CET1 capital	10.02	%	9.93	%	9.89	%	10.81	%	10.57	%
	Tier 1 risk-based capital	10.90	%	10.81	%	10.79	%	11.87	%	11.63	%
	Total risk-based capital	12.54	%	12.50	%	12.50	%	13.78	%	13.54	%
	Leverage	9.22	%	9.20	%	10.22	%	9.41	%	9.24	%

Fifth Third Bank, National Association
	Tier 1 risk-based capital	11.73	%	11.70	%	11.73	%	13.09	%	12.95	%
	Total risk-based capital	12.96	%	12.95	%	13.00	%	14.33	%	14.19	%
	Leverage	9.96	%	9.99	%	11.16	%	10.41	%	10.31	%

(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)	September		June		March		December		September
	2026		2026		2026		2025		2025
Average portfolio loans and leases:
Commercial and industrial loans	$85,982		$84,967		$73,264		$53,947		$54,170
Commercial mortgage loans	27,263		27,176		21,969		12,079		12,027
Commercial construction loans	8,744		8,437		7,278		5,399		5,541
Commercial leases	3,574		3,503		3,347		3,172		3,177
Total commercial loans and leases	125,563		124,083		105,858		74,597		74,915
Residential mortgage loans	19,775		19,626		18,848		17,660		17,656
Home equity	7,023		6,830		6,064		4,769		4,579
Indirect secured consumer loans	18,182		18,239		18,105		17,879		17,729
Credit card	1,646		1,646		1,659		1,694		1,678
Solar energy installation loans	4,244		4,384		4,516		4,486		4,355
Other consumer loans	2,811		2,764		2,582		2,345		2,414
Total consumer loans	53,681		53,489		51,774		48,833		48,411
Total average portfolio loans and leases	$179,244		$177,572		$157,632		$123,430		$123,326

Losses charged-off:
Commercial and industrial loans	($84)		($73)		($77)		($61)		($280)
Commercial mortgage loans	—		—		—		(7)		(2)
Commercial construction loans	—		—		—		—		—
Commercial leases	—		—		—		(1)		—
Total commercial loans and leases	(84)		(73)		(77)		(69)		(282)
Residential mortgage loans	(1)		(1)		—		—		—
Home equity	(1)		(1)		(2)		(2)		(1)
Indirect secured consumer loans	(35)		(36)		(40)		(41)		(34)
Credit card	(19)		(20)		(19)		(20)		(20)
Solar energy installation loans	(29)		(29)		(26)		(22)		(20)
Other consumer loans	(23)		(21)		(23)		(23)		(25)
Total consumer loans	(108)		(108)		(110)		(108)		(100)
Total losses charged-off	($192)		($181)		($187)		($177)		($382)

Recoveries of losses previously charged-off:
Commercial and industrial loans	$9		$8		$8		$17		$6
Commercial mortgage loans	6		—		—		1		1
Commercial construction loans	—		1		—		—		—
Commercial leases	—		—		—		—		—
Total commercial loans and leases	15		9		8		18		7
Residential mortgage loans	1		1		—		1		1
Home equity	2		1		2		1		2
Indirect secured consumer loans	18		18		16		14		16
Credit card	5		5		5		5		4
Solar energy installation loans	6		4		3		5		4
Other consumer loans	6		8		9		8		9
Total consumer loans	38		37		35		34		36
Total recoveries of losses previously charged-off	$53		$46		$43		$52		$43

Net losses charged-off:
Commercial and industrial loans	($75)		($65)		($69)		($44)		($274)
Commercial mortgage loans	6		—		—		(6)		(1)
Commercial construction loans	—		1		—		—		—
Commercial leases	—		—		—		(1)		—
Total commercial loans and leases	(69)		(64)		(69)		(51)		(275)
Residential mortgage loans	—		—		—		1		1
Home equity	1		—		—		(1)		1
Indirect secured consumer loans	(17)		(18)		(24)		(27)		(18)
Credit card	(14)		(15)		(14)		(15)		(16)
Solar energy installation loans	(23)		(25)		(23)		(17)		(16)
Other consumer loans	(17)		(13)		(14)		(15)		(16)
Total consumer loans	(70)		(71)		(75)		(74)		(64)
Total net losses charged-off(a)	($139)		($135)		($144)		($125)		($339)

Net losses charged-off as a percent of average portfolio loans and leases (annualized):
Commercial and industrial loans	0.35	%	0.31	%	0.38	%	0.32	%	2.01	%
Commercial mortgage loans	(0.09	%)	(0.01	%)	—		0.21	%	0.04	%
Commercial construction loans	(0.01	%)	(0.02	%)	(0.02	%)	—		—
Commercial leases	—		(0.01	%)	—		0.16	%	(0.04	%)
Total commercial loans and leases	0.22	%	0.21	%	0.26	%	0.27	%	1.46	%
Residential mortgage loans	—		—		(0.01	%)	(0.01	%)	(0.02	%)
Home equity	(0.03	%)	(0.02	%)	0.01	%	0.06	%	(0.05	%)
Indirect secured consumer loans	0.37	%	0.40	%	0.54	%	0.59	%	0.40	%
Credit card	3.45	%	3.60	%	3.51	%	3.62	%	3.70	%
Solar energy installation loans	2.18	%	2.25	%	2.03	%	1.45	%	1.47	%
Other consumer loans	2.34	%	1.95	%	2.19	%	2.46	%	2.51	%
Total consumer loans	0.52	%	0.53	%	0.58	%	0.59	%	0.52	%
Total net losses charged-off as a percent of average portfolio loans and leases (annualized)	0.31	%	0.30	%	0.37	%	0.40	%	1.09	%

(a)Excludes net charge-offs of $100 million which were taken at the time of acquisition.


Fifth Third Bancorp and Subsidiaries
Asset Quality
$ in millions	For the Three Months Ended
(unaudited)	September		June		March		December		September
	2026		2026		2026		2025		2025
Allowance for Credit Losses
Allowance for loan and lease losses, beginning	$2,918		$2,922		$2,253		$2,265		$2,412
Total net losses charged-off(e)	(139)		(135)		(144)		(125)		(339)
Provision for loan and lease losses	127		131		152		113		192
Allowance on PCD loans and leases at acquisition	—		(1)		180		—		—
Allowance on PSLs at acquisition	—		1		481		—		—
Allowance for loan and lease losses, ending	$2,906		$2,918		$2,922		$2,253		$2,265

Reserve for unfunded commitments, beginning	$230		$232		$157		$151		$146
(Benefit from) provision for the reserve for unfunded commitments	(5)		(2)		75		6		5
Reserve for unfunded commitments, ending	$225		$230		$232		$157		$151

Components of allowance for credit losses:
Allowance for loan and lease losses	$2,906		$2,918		$2,922		$2,253		$2,265
Reserve for unfunded commitments	225		230		232		157		151
Total allowance for credit losses	$3,131		$3,148		$3,154		$2,410		$2,416

	As of
	September		June		March		December		September
	2026		2026		2026		2025		2025
Nonperforming Assets and Delinquent Loans
Nonaccrual portfolio loans and leases:
Commercial and industrial loans	$449		$455		$417		$393		$393
Commercial mortgage loans	141		94		94		34		42
Commercial construction loans	64		62		62		—		—
Commercial leases	4		4		—		—		—
Residential mortgage loans	159		176		164		149		142
Home equity	135		131		104		71		72
Indirect secured consumer loans	61		62		58		61		61
Credit card	29		29		30		29		29
Solar energy installation loans	23		23		26		22		22
Other consumer loans	5		5		5		8		7
Total nonaccrual portfolio loans and leases	1,070		1,041		960		767		768
Repossessed property	9		10		11		11		12
OREO(d)	81		24		28		19		21
Total nonperforming portfolio loans and leases and OREO	1,160		1,075		999		797		801
Nonaccrual loans held for sale	162		167		141		70		4
Total nonperforming assets	$1,322		$1,242		$1,140		$867		$805

Loans and leases 90 days past due (accrual):
Commercial and industrial loans	$5		$4		$3		$2		$2
Commercial mortgage loans	4		1		19		—		—
Commercial construction loans	—		—		2		1		—
Commercial leases	—		—		1		—		—
Total commercial loans and leases	9		5		25		3		2
Residential mortgage loans(c)	16		11		7		10		11


Credit card	16		16		17		17		16

Other consumer loans	1		1		—		—		—
Total consumer loans	33		28		24		27		27
Total loans and leases 90 days past due (accrual)(b)	$42		$33		$49		$30		$29
Ratios
Net losses charged-off as a percent of average portfolio loans and leases (annualized)	0.31	%	0.30	%	0.37	%	0.40	%	1.09	%
Allowance for credit losses:
As a percent of portfolio loans and leases	1.74	%	1.76	%	1.79	%	1.96	%	1.96	%
As a percent of nonperforming portfolio loans and leases(a)	292	%	303	%	328	%	314	%	314	%
As a percent of nonperforming portfolio assets(a)	270	%	293	%	316	%	302	%	302	%
Nonperforming portfolio loans and leases as a percent of portfolio loans and leases(a)	0.59	%	0.58	%	0.54	%	0.62	%	0.62	%
Nonperforming portfolio assets as a percent of portfolio loans and leases and OREO(a)	0.64	%	0.60	%	0.57	%	0.65	%	0.65	%
Nonperforming assets as a percent of total loans and leases, OREO, and repossessed property	0.73	%	0.69	%	0.64	%	0.70	%	0.65	%
(a) Excludes nonaccrual loans held for sale.
(b) Excludes loans held for sale.
(c) Excludes government guaranteed residential mortgage loans.
(d) Includes branch-related real estate no longer intended to be used for banking purposes.
(e) Excludes net charge-offs of $100 million which were taken 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 earnings per share," “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 that 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)		September		June		March		December		September
		2026		2026		2026		2025		2025
Net interest income		$2,271		$2,215		$1,934		$1,529		$1,520
Add: Taxable equivalent adjustment		5		5		5		4		5
Net interest income (FTE) (a)		2,276		2,220		1,939		1,533		1,525

Net interest income (annualized) (b)		9,010		8,884		7,843		6,066		6,030
Net interest income (FTE) (annualized) (c)		9,030		8,904		7,864		6,082		6,050

Interest income		3,498		3,372		2,972		2,468		2,519
Add: Taxable equivalent adjustment		5		5		5		4		5
Interest income (FTE)		3,503		3,377		2,977		2,472		2,524
Interest income (FTE) (annualized) (d)		13,898		13,545		12,073		9,807		10,014

Interest expense (annualized) (e)		4,868		4,641		4,210		3,725		3,963
Average interest-earning assets (f)		270,023		264,989		237,961		194,144		193,500
Average interest-bearing liabilities (g)		194,663		190,452		172,326		143,518		143,096

Net interest margin (b) / (f)		3.34	%	3.35	%	3.30	%	3.12	%	3.12	%
Net interest margin (FTE) (c) / (f)		3.34	%	3.36	%	3.30	%	3.13	%	3.13	%
Net interest rate spread (FTE) (d) / (f) - (e) / (g)		2.65	%	2.67	%	2.63	%	2.45	%	2.41	%

Income before income taxes		$1,108		$1,036		$207		$912		$837
Add: Taxable equivalent adjustment		5		5		5		4		5
Income before income taxes (FTE)		1,113		1,041		212		916		842

Net income available to common shareholders		828		763		128		699		608
Add: Intangible amortization, net of tax		48		48		34		5		5
Tangible net income available to common shareholders (h)		876		811		162		704		613
Tangible net income available to common shareholders (annualized) (i)		3,475		3,253		657		2,793		2,432

Average Bancorp shareholders’ equity		34,338		34,260		30,108		21,527		21,216
Less:	Average preferred stock	(2,182)		(2,182)		(2,040)		(1,770)		(2,112)
	Average goodwill	(9,976)		(9,973)		(8,686)		(4,947)		(4,937)
	Average intangible assets	(1,221)		(1,257)		(841)		(72)		(77)
Average tangible common equity, including AOCI (j)		20,959		20,848		18,541		14,738		14,090
Less:	Average AOCI	3,813		3,376		3,080		3,137		3,520
Average tangible common equity, excluding AOCI (k)		24,772		24,224		21,621		17,875		17,610

Total Bancorp shareholders’ equity		33,315		34,482		34,106		21,724		21,107
Less:	Preferred stock	(2,182)		(2,182)		(2,182)		(1,770)		(1,770)
	Goodwill	(9,984)		(9,990)		(9,966)		(4,947)		(4,947)
	Intangible assets	(1,190)		(1,253)		(1,233)		(69)		(76)
Tangible common equity, including AOCI (l)		19,959		21,057		20,725		14,938		14,314
Less:	AOCI	4,919		3,286		3,234		3,110		3,276
Tangible common equity, excluding AOCI (m)		24,878		24,343		23,959		18,048		17,590
Add:	Preferred stock	2,182		2,182		2,182		1,770		1,770
Tangible equity (n)		27,060		26,525		26,141		19,818		19,360

Total assets		301,224		300,180		297,039		214,376		212,903
Less:	Goodwill	(9,984)		(9,990)		(9,966)		(4,947)		(4,947)
	Intangible assets	(1,190)		(1,253)		(1,233)		(69)		(76)
Tangible assets, including AOCI (o)		290,050		288,937		285,840		209,360		207,880
Less:	AOCI, before tax	6,472		4,324		4,255		4,092		4,311
Tangible assets, excluding AOCI (p)		$296,522		$293,261		$290,095		$213,452		$212,191

Common shares outstanding (q)		907		907		906		661		661

Tangible equity (n) / (p)		9.13	%	9.04	%	9.01	%	9.28	%	9.12	%
Tangible common equity (excluding AOCI) (m) / (p)		8.39	%	8.30	%	8.26	%	8.46	%	8.29	%
Tangible common equity (including AOCI) (l) / (o)		6.88	%	7.29	%	7.25	%	7.14	%	6.89	%
Tangible book value per share (including AOCI) (l) / (q)		$22.01		$23.22		$22.88		$22.60		$21.66
Tangible book value per share (excluding AOCI) (m) / (q)		$27.43		$26.84		$26.44		$27.30		$26.61


Fifth Third Bancorp and Subsidiaries
Non-GAAP Reconciliation
$ in millions		For the Three Months Ended
(unaudited)		September		June		September
		2026		2026		2025
Net income (r)		$866		$801		$649
Net income (annualized) (s)		3,436		3,213		2,575

Adjustments (pre-tax items)
	Merger-related charges	225		203		—
	Interchange litigation matters	34		2		27
	Technology-related asset impairments	19		7		—
	Other securities losses/(gains), net	5		(30)		(10)
	Securities repositioning losses	—		10		—
	Severance expense	—		7		—



	FDIC special assessment	—		—		(6)
	Non-qualified deferred compensation expense/(benefit)	(6)		30		11
Adjustments, pre-tax		277		229		22
	Applicable income tax expense on adjustments	67		54		6
Adjustments, after-tax (t)(a)(b)		210		175		16











Noninterest income (u)		1,008		1,059		781
	Interchange litigation matters	29		1		18
	Merger-related charges	10		—		—
	Securities repositioning losses	—		10		—

Noninterest income excluding certain item(s)		1,047		1,070		799
	Other securities losses/(gains), net	5		(30)		(10)
Adjusted noninterest income, excluding certain items and securities losses (v)		1,052		1,040		789

Noninterest expense (w)		2,049		2,109		1,267
	Merger-related charges	(215)		(203)		—
	Technology-related asset impairments	(19)		(7)		—
	Interchange litigation matters	(5)		(1)		(9)
	Severance expense	—		(7)		—

	FDIC special assessment	—		—		6

Noninterest expense excluding certain item(s)		1,810		1,891		1,264
	Non-qualified deferred compensation (expense)/benefit	6		(30)		(11)
Adjusted noninterest expense, excluding certain items and non-qualified deferred compensation (x)		1,816		1,861		1,253

Adjusted net income (r) + (t)		1,076		976		665
Adjusted net income (annualized) (y)		4,269		3,915		2,638

Adjusted tangible net income available to common shareholders (h) + (t)		1,086		986		629
Adjusted tangible net income available to common shareholders (annualized) (z)		4,309		3,955		2,495

Average assets (aa)		$302,119		$297,948		$211,770

Return on average tangible common equity (i) / (j)		16.6	%	15.6	%	17.3	%
Return on average tangible common equity excluding AOCI (i) / (k)		14.0	%	13.4	%	13.8	%
Adjusted return on average tangible common equity, including AOCI (z) / (j)		20.6	%	19.0	%	17.7	%
Adjusted return on average tangible common equity, excluding AOCI (z) / (k)		17.4	%	16.3	%	14.2	%

Return on average assets (s) / (aa)		1.14	%	1.08	%	1.21	%
Adjusted return on average assets (y) / (aa)		1.41	%	1.31	%	1.25	%
Efficiency ratio (FTE) (w) / [(a) + (u)]		62.4	%	64.3	%	54.9	%
Adjusted efficiency ratio (x) / [(a) + (v)]		54.6	%	57.1	%	54.1	%


Total revenue (FTE) (a) + (u)		$3,284		$3,279		$2,306
Adjusted total revenue (FTE) (a) + (v)		$3,328		$3,260		$2,314
Pre-provision net revenue (PPNR) (a) + (u) - (w)		$1,235		$1,170		$1,039
Adjusted pre-provision net revenue (PPNR) (a) + (v) - (x)		$1,512		$1,399		$1,061
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 September 30, 2026	Commercial Banking	Consumer and Small Business Banking	Wealth and Asset Management	General Corporate and Other	Total
Income Statement Data
Net interest income (FTE)(a)	$1,147	$1,274	$112	$(257)	$2,276
(Provision for) benefit from credit losses	(80)	(89)	(7)	54	(122)
Net interest income after (provision for) benefit from credit losses	1,067	1,185	105	(203)	2,154
Noninterest income	512	326	183	(13)	1,008
Noninterest expense	(761)	(855)	(182)	(251)	(2,049)
Income (loss) before income taxes (FTE)(a)	$818	$656	$106	$(467)	$1,113
Average Balance Sheet Data
Total loans and leases	$114,568	$55,931	$9,504	$8	$180,011
Core deposits	$99,167	$121,371	$12,869	$2,232	$235,639

For the three months ended June 30, 2026	Commercial Banking	Consumer and Small Business Banking	Wealth and Asset Management	General Corporate and Other	Total
Income Statement Data
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
Average Balance Sheet Data
Total loans and leases	$113,297	$55,675	$9,709	$26	$178,707
Core deposits	$95,241	$117,628	$12,961	$2,686	$228,516

For the three months ended March 31, 2026	Commercial Banking	Consumer and Small Business Banking	Wealth and Asset Management	General Corporate and Other	Total
Income Statement Data
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
Average Balance Sheet Data
Total loans and leases	$96,110	$54,165	$7,970	$38	$158,283
Core deposits	$85,160	$107,247	$12,069	$2,069	$206,545

For the three months ended December 31, 2025	Commercial Banking	Consumer and Small Business Banking	Wealth and Asset Management	General Corporate and Other	Total
Income Statement Data
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
Average Balance Sheet Data
Total loans and leases	$67,425	$52,116	$4,590	$16	$124,147
Core deposits	$62,984	$92,622	$9,567	$1,263	$166,436

For the three months ended September 30, 2025	Commercial Banking	Consumer and Small Business Banking	Wealth and Asset Management	General Corporate and Other	Total
Income Statement Data
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
Average Balance Sheet Data
Total loans and leases	$68,007	$51,367	$4,603	$16	$123,993
Core deposits	$60,854	$91,110	$9,288	$1,258	$162,510
(a) Includes taxable equivalent adjustments of $5 million for the three months ended September 30, 2026, 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.

3Q26 Earnings Presentation October 19, 2026 Refer to earnings release dated October 19, 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 entirety. Any qualifications, assumptions, conditions, limitations or other disclosures that apply to a particular item of information are deemed to apply, with any necessary adjustments to all references to that information throughout this presentation. 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 3Q26 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 42 Key Messages 3 Strong deposits, resilient credit, and disciplined balance sheet management provide flexibility across a range of economic and interest-rate environments Comerica systems integration successfully completed, with strong client and banker retention and the full $850 million expense synergy run-rate locked in for 4Q26 Earnings power of the combined company is increasingly evident, with stronger PPNR1, higher returns, and improved operating efficiency Organic growth is broadening across legacy and newly acquired markets, supported by deposit share gains, commercial relationship growth and continued Southeast momentum 1 2 3 4

© Fifth Third Bancorp | All Rights Reserved • Net interest income increased 3% • Adjusted efficiency ratio2 improved 250 bps • Net charge-offs3 of 31 basis points, with continued stability in underlying credit trends • Adjusted return on assets2 increased 10 basis points to 1.41%, the highest since 4Q22 • Adjusted ROTCE of 20.6% improved 160 bps • 3% core deposit growth and loan-to-core deposit ratio of 76% Reported1 Adjusted1 EPS $0.90 $1.13 ROA 1.14% 1.41% ROE 10.2% 12.8% ROTCE 16.6% 20.6% NIM 3.34% 3.34% Efficiency ratio 62.4% 54.6% PPNR $1,235MM $1,512MM CET14 10.0% For end note descriptions, see end note summary starting on page 42 3Q26 highlights 4 Comparisons in the bullet points are for 3Q26 versus 2Q26, unless otherwise noted

© Fifth Third Bancorp | All Rights Reserved $1.53 $1.53 $1.94 $2.22 $2.28 3.13% 3.13% 3.30% 3.36% 3.34% NII NIM 3Q25 4Q25 1Q26 2Q26 3Q26 NII $ in millions; NIM change in bps 2Q26 to 3Q26 NII & NIM walk T o ta l n et in te re st in co m e; $ b ill io ns Net interest income1 5 For end note descriptions, see end note summary starting on page 42 NII NIM 2Q26 $2,220 3.36% Conversion-related cash 0 (4) Day Count (1 more day) 18 (1) Fixed-rate asset repricing 8 1 Core loan and deposit performance 30 2 3Q26 $2,276 3.34%

© Fifth Third Bancorp | All Rights Reserved • Noninterest income excluding certain items1 of $1.05 billion increased $12 million, or 1%, compared to the prior quarter and increased $263 million, or 33%, from the year-ago quarter • Diversified fee growth across wealth and asset management, commercial payments and commercial banking, which represented 61% of adjusted fees, more than offset lower capital markets fees Noninterest income T o ta l n o ni nt er es t in co m e; $ m ill io ns For end note descriptions, see end note summary starting on page 42 6 $ millions 3Q26 PQ YoY Wealth and asset management revenue $259 1% 43% Commercial payments revenue 256 1% 63% Consumer banking revenue 158 (2)% 10% Capital markets fees 147 (5)% 28% Commercial banking revenue 128 2% 47% Mortgage banking net revenue 47 21% (19)% Other noninterest income 18 (64)% (38)% Securities (losses)/gains, net (5) NM NM Noninterest income $1,008 (5)% 29% Impact of certain items 44 Adjusted noninterest income (excl. securities gains/losses, net)1,2 $1,052 1% 33% $781 $811 $895 $1,059 $1,008 $789 $812 $921 $1,040 $1,052 Noninterest income Adjusted noninterest income (excl. securities gains/losses, net)¹² 3Q25 4Q25 1Q26 2Q26 3Q26

© Fifth Third Bancorp | All Rights Reserved $1,267 $1,309 $2,395 $2,109 $2,049 $1,253* $1,273* $1,769* $1,861* $1,816* 54.1% 54.3% 61.9% 57.1% 54.6% Adjusted noninterest expense¹* Noninterest expense Adjusted Efficiency Ratio¹ 3Q25 4Q25 1Q26 2Q26 3Q26 T o ta l n o ni nt er es t ex p en se ; $ m ill io ns Noninterest expense 7 $ in millions 3Q26 2Q26 3Q25 Non-qualified deferred compensation expense/ (benefit), primarily offset in securities gains/losses ($6) $30 $11 For end note descriptions, see end note summary starting on page 42 $ millions 3Q26 PQ YoY Compensation and benefits $982 (13)% 43% Technology and communications 300 20% 134% Net occupancy expense 144 (6)% 62% Card and processing expense 60 (9)% 173% Equipment expense 59 (2)% 34% Marketing expense 57 (12)% 68% Loan and lease expense 47 (11)% 21% Other noninterest expense 400 20% 77% Total noninterest expense $2,049 (3)% 62% Impact of certain items (239) Noninterest expense excluding certain item(s)1 $1,810 (4)% 43% Non-qualified deferred compensation (expense)/benefit 6 Adjusted noninterest expense, excluding certain item(s)1 and non-qualified deferred compensation $1,816 (2)% 45% • Adjusted noninterest expense1 decreased 2% compared to the prior quarter and increased 45% from the year-ago quarter • Lower compensation and benefits expense in the quarter was offset by higher conversion-related technology costs • Merger-related charges recognized in noninterest expense totaled approximately $1.04 billion year-to-date, consistent with the integration timeline

© Fifth Third Bancorp | All Rights Reserved Solar energy installation Average loan & lease balances excluding HFS $123.3 $123.4 $157.6 $177.6 $179.2 $74.9 $74.6 $105.9 $124.1 $125.6 $48.4 $48.8 $51.8 $53.5 $53.7 6.12% 5.96% 5.88% 5.86% 5.89% Commercial Consumer Total loan yield 3Q25 4Q25 1Q26 2Q26 3Q26 $123.1 $122.7 $176.3 $178.5 $180.3 $74.4 $73.6 $122.9 $124.9 $126.4 $48.7 $49.1 $53.4 $53.6 $53.9 Commercial Consumer 3Q25 4Q25 1Q26 2Q26 3Q26 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 4.25% 3.75% 3.75% 3.75% 4.00% 1.81% 1.71% 1.58% 1.54% 1.64% Fed Funds Rate Total Cost of Deposits 3Q25 4Q25 1Q26 2Q26 3Q26 Total cost of deposits Total deposit mixAverage deposit balances $164.8 $168.4 $209.4 $231.5 $238.3 $162.5 $166.4 $206.5 $228.5 $235.6 2.41% 2.28% 2.15% 2.13% 2.24% Core Deposits CDs > $250K Total interest-bearing deposit costs 3Q25 4Q25 1Q26 2Q26 3Q26 $ in billions Demand, 27% Interest checking, 31% Money market and savings, 35% Time deposits, 6% $238B Average Deposits $162.5 $166.4 $206.5 $228.5 $235.6 $121.3 $124.7 $150.8 $164.5 $171.4$41.2 $41.8 $55.8 $64.0 $64.2 25.4% 25.1% 27.0% 28.0% 27.3% Interest-Bearing $ Non Interest-Bearing $ Non Interest-Bearing % 3Q25 4Q25 1Q26 2Q26 3Q26 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) $339 $125 $144 $135 $139 $339 $125 $144 $135 3Q25 4Q25 1Q26 2Q26 3Q26 Credit quality overview 10 3Q25 4Q25 1Q26 2Q26 3Q26 NPL ratio 0.62% 0.62% 0.54% 0.58% 0.59% NPA ratio1,2 0.65% 0.65% 0.57% 0.60% 0.64% 30-89 days past due as a % of portfolio loans and leases 0.28% 0.29% 0.39% 0.31% 0.30% NCO ratio3 1.09% 0.40% 0.37% 0.30% 0.31% ACL ratio as a % of portfolio loans and leases 1.96% 1.96% 1.79% 1.76% 1.74% Nonperforming loans (NPLs) $768 $767 $960 $1,041 $1,070 3Q25 4Q25 1Q26 2Q26 3Q26 Portfolio loans & leases 30-89 days past due $348 $360 $683 $561 $540 3Q25 4Q25 1Q26 2Q26 3Q26 $ in millions For end note descriptions, see end note summary starting on page 42

© Fifth Third Bancorp | All Rights Reserved 3Q17 3Q18 3Q19 3Q20 3Q21 3Q22 3Q23 3Q24 3Q25 3Q26 0.00% 0.50% 1.00% 1.50% Historical net charge-off and NPA ratios Net charge-off ratio Non-performing assets ratio2 3Q17 3Q18 3Q19 3Q20 3Q21 3Q22 3Q23 3Q24 3Q25 3Q26 0.00% 0.50% 1.00% 1.50% Commercial net charge-off ratio 3Q17 3Q18 3Q19 3Q20 3Q21 3Q22 3Q23 3Q24 3Q25 3Q26 0.00% 0.50% 1.00% 1.50% 3Q17 3Q18 3Q19 3Q20 3Q21 3Q22 3Q23 3Q24 3Q25 3Q26 0.00% 0.50% 1.00% 1.50% Consumer net charge-off ratio 3Q26 0.22% 3Q26 0.31% 3Q26 0.52% 10-year average excluding COVID1 10-year average excluding COVID1 10-year average excluding COVID1 10-year average excluding COVID1 For end note descriptions, see end note summary starting on page 42 11 3Q26 0.64%

© Fifth Third Bancorp | All Rights Reserved 9.9% 33 bps (11 bps) 0 bps (16 bps) 2 bps 10.0% 2Q26 Net income to common RWA Share repurchases Common dividends Other 3Q26 12 Strong liquidity and capital position Liquidity position $ in billions Capital position Common equity tier 1 ratio1 For end note descriptions, see end note summary starting on page 42; totals shown above may not foot due to rounding Liquidity Sources 6/30/26 9/30/26 Fed reserves $18 $15 Unpledged investment securities $32 $34 Available FHLB borrowing capacity $13 $15 Current Fed discount window availability $78 $78 Total $141 $142 • Maintained full Category 1 LCR compliance during the quarter, ending at 102% • Loan-to-core deposit ratio of 76% • 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 Fully-phased common equity tier 1 ratio2 10.6% 10.8% 9.9% 9.9% 10.0% 9.2% Reported CET1 Ratio Fully-phased CET1 3Q25 4Q25 1Q26 2Q26 3Q263Q25 4Q25 1Q26 2Q26

© Fifth Third Bancorp | All Rights Reserved As of October 19, 2026; please see cautionary statements on page 2. Current expectations 4Q26 13 For end note descriptions, see end note summary starting on page 42 4Q26 Avg. loans & leases (Including HFS) up 1 - 2% Net interest income1 (3Q26 baseline: $2.28 billion) up 2.5 - 3.5% assumes 12/31/26 Fed funds rate of 4.25% and includes the impact of purchase accounting accretion Noninterest income1 (3Q26 baseline: $1.05 billion; excludes securities g/l) up 2 - 4% Noninterest expense1 (3Q26 baseline: $1.82 billion; excludes the mark-to-market impact of non-qualified deferred compensation) down 2 - 3% 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) 3.19 3.19 3.25 3.27 3.49 3Q25 4Q25 1Q26 2Q26 3Q26 Digital Engagement Digital Originations Average Active Mobile Users (Millions) 2.47 2.49 2.53 2.57 2.73 3Q25 4Q25 1Q26 2Q26 3Q26 Digital Assisted Mortgage Applications 98% 98% 97% 98% 98% 3Q25 4Q25 1Q26 2Q26 3Q26 New Consumer Deposit Accounts 28% 31% 33% 29% 33% 3Q25 4Q25 1Q26 2Q26 3Q26 Award-Winning App Jeanie® named Best Chatbot by Tearsheet AI Innovation Awards 15 For end note descriptions, see end note summary starting on page 42 1 2 Mobile app serves millions of monthly users & powers more than one billion digital interactions each year

© Fifth Third Bancorp | All Rights Reserved 32% 30% LTM 2Q26 Peer Median 25% 24% 16% 14% 12% 4% 4% Strategic investments resulting in fee diversification and growth • Total pro-forma fee revenue1 accounted for ~32% of total pro-forma revenue for the last twelve months ending 9/30/26 • Focused on diversifying revenue to lessen cyclical impacts, with success in Wealth & Asset Management, Capital Markets and Commercial Payments 16 Fee revenue mix is well-diversified LTM 3Q26 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 3Q26 pro-forma noninterest income as a percent of pro-forma revenue2, unless otherwise noted LTM 3Q26 pro-forma noninterest income $4.2B For end note descriptions, see end note summary starting on page 42

© Fifth Third Bancorp | All Rights Reserved $74.9 $74.6 $105.9 $124.1 $125.6 $74.4 $73.6 $122.9 $124.9 $126.4 Average Period-end 3Q25 4Q25 1Q26 2Q26 3Q26 3Q25 2Q26 3Q26 NCO ratio1 1.46% 0.21% 0.22% 30-89 delinquencies 0.16% 0.26% 0.24% 90+ delinquencies 0.00% 0.00% 0.01% Nonperforming loans2 0.58% 0.49% 0.52% Portfolio loans and leases $ in billions Key statistics Total commercial portfolio overview Average QoQ change (0.7%) (0.4%) 41.9% 17.2% 1.2% Period-end QoQ change 0.4% (1.2%) 67.0% 1.6% 1.2% Commercial portfolio mix 68% 22% 7% 3% C&I Commercial mortgage Commercial construction Commercial leases For end note descriptions, see end note summary starting on page 42; totals shown above may not foot due to rounding 17

© Fifth Third Bancorp | All Rights Reserved $54.2 $53.9 $73.3 $85.0 $86.0 $53.9 $52.7 $83.9 $85.7 $86.1 Average Period-end 3Q25 4Q25 1Q26 2Q26 3Q26 18 Key statistics Revolving line utilization trend3 Commercial and industrial overview 36.1% 35.5% 36.2% 37.0% 36.5% 36.7% 34.9% 38.5% 38.5% 38.0% 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25 1Q26 2Q26 3Q26 Portfolio loans $ in billions Average QoQ change 0.2% (0.4%) 35.8% 16.0% 1.2% Period-end QoQ change 1.2% (2.2%) 59.0% 2.2% 0.5% For end note descriptions, see end note summary starting on page 42; totals shown above may not foot due to rounding 3Q25 2Q26 3Q26 NCO ratio1 2.01% 0.31% 0.35% 30-89 delinquencies 0.08% 0.18% 0.25% 90+ delinquencies 0.00% 0.00% 0.01% Nonperforming loans2 0.73% 0.53% 0.52%

© Fifth Third Bancorp | All Rights Reserved Note: Totals shown above may not foot due to rounding Non-depository financial institution portfolio 30% 25% 24% 11% 10% NDFI portfolio characteristics 3Q26 $14.3B¹ 8% of loans $ in billions; as of 9/30/26 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 • 87% of the NDFI portfolio is investment grade or equivalent • 3Q26 criticized rate of 44 bps; down 10 bps 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 $267 million or just 0.15% of total loans 19

© Fifth Third Bancorp | All Rights Reserved Financial Services 16% Rental and Leasing 13% Entertainment 12% Retail 11% Manufacturing 8% Business Services 8% Wholesale Trade 8% Other 24% 20 High quality Shared National Credit portfolio SNC portfolio $46.6BN ~26% of total loans Shared National Credit portfolio is well diversified Industry mix Key statistics For end note descriptions, see end note summary starting on page 42; totals shown above may not foot due to rounding $ in billions; as of 9/30/26 • ~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 3Q25 2Q26 3Q26 Loan balance $32.2 $46.4 $46.6 Nonperforming loans2 0.72% 0.36% 0.40% NCO Ratio1 0.57% 0.35% 0.42%

© Fifth Third Bancorp | All Rights Reserved 21 Low concentration in leveraged lending Note: Totals shown above may not foot due to rounding Total loan portfolio composition Arts, Entertainment, and Recreation Wholesale Trade Manufacturing Accommodation & Food Services Admin, Support & Other Services Information Retail Trade Professional, Scientific, & Technical Services Healthcare & Social Assistance Mining, Quarrying, and Oil & Gas Extraction Other Diversified leveraged portfolio Total Loans $181.0 Billion as of 9/30/26 as of 9/30/26 • 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 Leveraged 2.1% $3.7 Billion

© Fifth Third Bancorp | All Rights Reserved Portfolio loans 41% 21% 19% 10% 4% 2% 2% 53%47% 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 19% Retail 18% Medical Office 9% Office 8% Non-owner occupied property type mix $17.6 $17.5 $29.2 $35.6 $36.0 $17.3 $17.5 $35.5 $35.7 $36.4 $5.5 $5.4 $7.3 $8.4 $8.7 $12.0 $12.1 $22.0 $27.2 $27.3 $5.3 $5.3 $8.3 $8.5 $9.0 $11.9 $12.2 $27.1 $27.2 $27.5 3Q25 4Q25 1Q26 2Q26 3Q26 22 Other 7% For end note descriptions, see end note summary starting on page 42; totals shown above may not foot due to rounding Period-end QoQ change (2.3%) 1.7% 102.2% 0.5% 2.2% $ in billions Average QoQ change (3.6%) (0.5%) 67.3% 21.8% 1.1% 3Q25 2Q26 3Q26 NCO ratio1 0.03% (0.01)% (0.07%) 30-89 delinquencies 0.37% 0.44% 0.21% 90+ delinquencies 0.00% 0.00% 0.01% Nonperforming loans2 0.24% 0.44% 0.56% Key statistics Period-end - Commercial mortgageAverage - Commercial mortgage Period-end - Commercial constructionAverage - Commercial construction Multifamily Hospitality 10%

© Fifth Third Bancorp | All Rights Reserved Period-end QoQ change 1.0% 0.8% 8.8% 0.5% 0.5% $48.4 $48.8 $51.8 $53.5 $53.7 $48.7 $49.1 $53.4 $53.6 $53.9 3Q25 4Q25 1Q26 2Q26 3Q26 15% 16% 67% 3Q25 2Q26 3Q26 NCO ratio1 0.52% 0.53% 0.52% 30-89 delinquencies 0.47% 0.45% 0.44% 90+ delinquencies 0.06% 0.05% 0.06% Nonperforming loans2 0.68% 0.79% 0.76% Weighted average FICO at origination3 768 768 768 Weighted average LTV at origination 79% 79% 79% Total consumer portfolio overview 23 Portfolio FICO score at origination3 $ in billions Portfolio loans 2% For end note descriptions, see end note summary starting on page 42; totals shown above may not foot due to rounding Average QoQ change 1.6% 0.9% 6.0% 3.3% 0.4% Key statistics 750+720-749<660 660-719 Period-endAverage

© Fifth Third Bancorp | All Rights Reserved Period-end QoQ change (0.2%) —% 10.5% 1.1% 0.9% Average QoQ change 0.2% —% 6.7% 4.1% 0.8% 12% 15% 69% Weighted average FICO at origination3 764 762 762 Weighted average LTV at origination 74% 74% 75% Residential mortgage overview 24 $17.7 $17.7 $18.8 $19.6 $19.8 $17.6 $17.7 $19.5 $19.7 $19.9 3Q25 4Q25 1Q26 2Q26 3Q26 4% For end note descriptions, see end note summary starting on page 42; totals shown above may not foot due to rounding $ in billions Portfolio loans 3Q25 2Q26 3Q26 NCO ratio1 (0.02%) —% —% 30-89 delinquencies 0.18% 0.24% 0.19% 90+ delinquencies 0.06% 0.06% 0.08% Nonperforming loans2 0.80% 0.89% 0.80% Key statistics 750+720-749<660 660-719 Portfolio FICO score at origination3 Period-endAverage

© Fifth Third Bancorp | All Rights Reserved 16% 15% 68% $4.6 $4.8 $6.1 $6.8 $7.0 $4.7 $4.8 $6.7 $6.9 $7.1 3Q25 4Q25 1Q26 2Q26 3Q26 Weighted average FICO at origination3 771 774 775 Weighted average LTV at origination 65% 63% 63% Home equity overview 25 1% For end note descriptions, see end note summary starting on page 42; totals shown above may not foot due to rounding Period-end QoQ change 4.3% 3.6% 39.0% 2.9% 2.9% Average QoQ change 4.5% 4.1% 27.2% 12.6% 2.8% $ in billions Portfolio loans Period-endAverage 750+720-749<660 660-719 Portfolio FICO score at origination3 3Q25 2Q26 3Q26 NCO ratio1 (0.05%) (0.02%) (0.03%) 30-89 delinquencies 0.45% 0.46% 0.59% 90+ delinquencies 0.00% 0.00% 0.00% Nonperforming loans2 1.54% 1.89% 1.89% Key statistics

© Fifth Third Bancorp | All Rights Reserved 84% 16% 17% 17% 65% Indirect secured consumer overview 26 Portfolio FICO score at origination *Includes primarily RV & Marine $17.7 $17.9 $18.1 $18.2 $18.2$17.9 $18.0 $18.3 $18.2 $18.2 3Q25 4Q25 1Q26 2Q26 3Q26 1% Weighted average FICO at origination 774 773 774 Weighted average LTV at origination 88% 89% 89% For end note descriptions, see end note summary starting on page 42; totals shown above may not foot due to rounding Period-end QoQ change 1.7% 0.4% 1.8% (0.6%) 0.1% Average QoQ change 2.8% 0.8% 1.3% 0.7% (0.3%) $ in billions Portfolio loans Period-endAverage 3Q25 2Q26 3Q26 NCO ratio1 0.40% 0.40% 0.37% 30-89 delinquencies 0.68% 0.59% 0.56% 90+ delinquencies 0.00% 0.00% 0.00% Nonperforming loans2 0.34% 0.34% 0.34% Key statistics 750+720-749<660 660-719 Portfolio FICO score at origination Auto Specialty Lending*

© Fifth Third Bancorp | All Rights Reserved 27% 19% 49% Credit card overview 27 $1.7 $1.7 $1.7 $1.6 $1.6$1.7 $1.7 $1.7 $1.7 $1.7 3Q25 4Q25 1Q26 2Q26 3Q26 Weighted average FICO at origination3 743 743 743 5% Period-end QoQ change (0.9%) 3.3% (5.1%) 1.5% (1.4%) Average QoQ change 1.1% 1.0% (2.1%) (0.8%) —% $ in billions Portfolio loans For end note descriptions, see end note summary starting on page 42; totals shown above may not foot due to rounding Period-endAverage 3Q25 2Q26 3Q26 NCO ratio1 3.70% 3.60% 3.45% 30-89 delinquencies 1.00% 0.89% 1.02% 90+ delinquencies 0.95% 0.95% 0.96% Nonperforming loans2 1.71% 1.72% 1.75% Key statistics Portfolio FICO score at origination3 750+720-749<660 660-719

© Fifth Third Bancorp | All Rights Reserved $4.4 $4.5 $4.5 $4.4 $4.2$4.4 $4.6 $4.5 $4.3 $4.2 3Q25 4Q25 1Q26 2Q26 3Q26 15% 20% 66% Weighted average FICO at origination 771 771 771 Solar energy installation overview 28 For end note descriptions, see end note summary starting on page 42; totals shown above may not foot due to rounding Period-end QoQ change 2.7% 2.9% (2.1%) (3.4%) (2.8%) Average QoQ change 2.0% 3.0% 0.7% (2.9%) (3.2%) $ in billions Portfolio loans 3Q25 2Q26 3Q26 NCO ratio1 1.47% 2.25% 2.18% 30-89 delinquencies 0.43% 0.56% 0.57% 90+ delinquencies 0.00% 0.00% 0.00% Nonperforming loans2 0.50% 0.53% 0.55% Key statistics Period-endAverage Portfolio FICO score at origination 750+720-749660-719

© Fifth Third Bancorp | All Rights Reserved Allowance for credit losses 29 For end note descriptions, see end note summary starting on page 42; totals shown above may not foot due to rounding Allowance for loan & lease losses Amount % of portfolio loans & leases 2Q26 3Q25 Commercial and industrial loans $1,110 1.29% (0.04%) (0.25%) Commercial mortgage loans 509 1.85% (0.03)% (0.37%) Commercial construction loans 118 1.32% (0.02%) 0.01% Commercial leases 21 0.56% (0.07)% — Total commercial loans and leases $1,758 1.39% (0.04%) (0.20%) Residential mortgage loans 119 0.60% 0.08 (0.15%) Home equity 101 1.42% 0.08% (0.67%) Indirect secured consumer loans 316 1.74% (0.03)% 0.07% Credit card 147 8.86% 0.01% 0.29% Solar energy installation loans 354 8.44% 0.28% 1.67% Other consumer loans 111 3.92% (0.05%) (0.63%) Total consumer loans 1,148 2.13% 0.02% (0.09%) Allowance for loan & lease losses 2,906 1.61% (0.02%) (0.23%) Reserve for unfunded commitments1 225 Allowance for credit losses $3,131 1.74% (0.02%) (0.22%) Compared to: Allocation of allowance by product $ in millions 3Q26 Change in rate

© Fifth Third Bancorp | All Rights Reserved NPL1 rollforward 30 For end note descriptions, see end note summary starting on page 42; totals shown above may not foot due to rounding 3Q25 4Q25 1Q26 2Q26 3Q26 Balance, beginning of period $508 $435 $427 $573 $615 Transfers to nonaccrual status 266 138 173 212 213 Acquired nonaccrual loans — — 170 9 (2) Transfers to accrual status — (1) (1) (1) — Transfers to held for sale (1) (44) (84) (50) (1) Loan paydowns/payoffs (63) (34) (38) (57) (84) Transfer to OREO — (1) — — — Charge-offs (282) (68) (77) (73) (84) Draws/other extensions of credit 7 2 3 2 1 Balance, end of period $435 $427 $573 $615 $658 3Q25 4Q25 1Q26 2Q26 3Q26 Balance, beginning of period $345 $333 $340 $387 $426 Transfers to nonaccrual status 88 104 103 142 106 Acquired nonaccrual loans — — 51 — — Transfers to accrual status (19) (20) (21) (29) (43) Transfers to held for sale — — — — — Loan paydowns/payoffs (38) (31) (39) (35) (35) Transfer to OREO (7) (5) (6) (4) (6) Charge-offs (37) (42) (44) (40) (39) Draws/other extensions of credit 1 1 3 5 3 Balance, end of period $333 $340 $387 $426 $412 Commercial $ in millions Consumer $ in millions Total NPL $768 $767 $960 $1,041 $1,070 Total new nonaccrual loans - HFI 354 242 276 354 319 Total NPL $ in millions

© Fifth Third Bancorp | All Rights Reserved Balance sheet positioning 31 For end note descriptions, see end note summary starting on page 42; totals shown above may not foot due to rounding C&I 22% Fix | 78% Variable Coml. mortgage 26% Fix | 74% Variable Coml. construction 18% Fix | 82% Variable Coml. lease 100% Fix | 0% Variable 40% 51% 9% 68% 22% 7% 3% • 58% allocation to bullet/locked- out cash flow securities • AFS & HTM spot yield: 3.71% • AFS net unrealized pre-tax loss: $4.73BN $31.6BN fixed | $94.8BN variable1,2 Commercial loans1,2 Investment portfolioConsumer loans1 Long-term debt3 $44.6BN fixed | $9.3BN variable1 $9.2BN fixed | $7.7BN variable3 • 1M based: 53%4,7 • 3M based: 7%4,7 • Prime & O/N based: 14%4,7 • Other based: 1%4,6,7 • Weighted avg. life: 1.7 years1 • 1M based: 1%5,7 • Prime: 15%5 • Other based: 1%5,7,8 • Weighted avg. life: 3.9 years1 • SOFR based: 46% • Weighted avg. life: 3.8 years Includes $2.68BN non-agency CMBS (All super-senior, AAA-rated securities; 58.6% WA LTV, ~33% WA credit enhancement) 34% 37% 13% 13% 3% 76% 9% 1% 14% The information above incorporates the impact of $8.9BN in C&I receive-fixed swaps, $4BN in CRE receive- fixed swaps2, and $7.3BN fair value hedges associated with long-term debt (receive-fixed swaps) Auto/indirect 100% Fix | 0% Variable Resi mtg. & construction 97% Fix | 3% Variable Home equity 12% Fix | 88% Variable Other 78% Fix | 22% Variable Credit card 38% Fix | 62% Variable Level 1 91% Fix | 9% Variable Level 2A 100% Fix | 0% Variable Non-HQLA/ Other 90% Fix | 10% Variable Senior debt 46% Fix | 54% Variable Sub debt 52% Fix | 48% 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 32 For end note descriptions, see end note summary starting on page 42; totals shown above may not foot due to rounding Estimated NII sensitivity profile and ALCO policy limits Estimated NII beta sensitivity Rate risk models assume approximately 65% 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 September 30, 2026: • 58% of HFI loans were variable rate net of existing hedges (75% of total commercial; 17% of total consumer) • Short-term borrowings represent less than 2% of total funding • Approximately $13.8BN in non-core funding matures beyond one year % Change NII (FTE) ALCO policy limit Change in interest rates (bps) 12 months 13 to 24 months 12 months 13 to 24 months +200 Ramp over 12 months 0.2% 2.4% (9.0%) (15.0%) +100 Ramp over 12 months 0.2% 1.5% NA NA -100 Ramp over 12 months (0.8%) (3.2%) NA NA -200 Ramp over 12 months (2.3%) (8.3%) (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 (0.6%) 1.0% 1.0% 4.0% +100 Ramp over 12 months (0.2%) 0.8% 0.6% 2.3% -100 Ramp over 12 months (0.5%) (2.6%) (1.2%) (3.9%) -200 Ramp over 12 months (1.6%) (7.1%) (3.0%) (9.6%) 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 (0.3%) 1.8% 0.7% 2.9% +100 Ramp over 12 months (0.3%) 1.0% 0.7% 2.0% -100 Ramp over 12 months (1.2%) (3.5%) (0.5%) (2.9%) -200 Ramp over 12 months (2.6%) (8.5%) (2.0%) (8.1%)

© Fifth Third Bancorp | All Rights Reserved 33 Investment portfolio composition Investment portfolio characteristics Held-to-maturity portfolio • $20.9BN 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 • $47.7BN portfolio • $2.7BN 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 30% AFS 70% AFS and HTM portfolio; amortized cost basis; as of 9/30/2026 Amortized cost basis; as of 9/30/2026 Securities mix Agency CMBS Agency RMBS Non- agency CMBS Treasuries Other Effective duration HTM 47% 26% — 26% —% 4.9 AFS 49% 33% 6% 5% 8% 4.2 Total 48% 31% 4% 11% 6% 4.4 Securities portfolio Securities portfolio $69BN ~26% of interest earning assets ‒ Leverage analytical tools with over 40+ years of historical data to stress the securities at an individual property level on a recurring basis, including significant market distress in real estate valuations Note: Totals shown above may not foot due to rounding

© Fifth Third Bancorp | All Rights Reserved 10-year treasury yield ($5.8) ($3.0) ($2.8) ($2.9) ($2.9) ($4.1) 9/30/23 9/30/25 12/31/25 3/31/26 6/30/26 9/30/26 Projected AOCI accretion ($4.0) ($3.4) ($2.8) ($2.4) ($2.1) ($1.7) 12/31/26E 12/31/27E 12/31/28E 12/31/29E 12/31/30E 12/31/31E Securities portfolio AOCI accretion 34 $ in billions; 9/30/26 AFS and HTM portfolio unrealized loss, after-tax ~60% capital accretion ~17% capital accretion Historical AOCI accretion ~30% capital accretion since 3Q23 AOCI accretion1 assuming implied forward curve2 5.3%4.2% 4.2% 4.3% 4.4% For end note descriptions, see end note summary starting on page 42; totals shown above may not foot due to rounding 4.6% ~41% capital accretion

© Fifth Third Bancorp | All Rights Reserved $17.64 $18.69 $22.60 $22.01 $22.14 $22.92 $23.76 $24.39 3.9% 4.6% 4.2% 5.3% 5.3% 5.5% 5.6% 5.7% TBV/S AOCI accretion 10-year treasury yield 12/31/2023 12/31/2024 12/31/2025 9/30/2026 12/31/2026 12/31/2027 12/31/2028 12/31/2029 Balance sheet positioned to grow tangible book value per share 35 TBV/share1 will improve due to AOCI accretion alone Projected TBV/share growth includes no earnings contribution from 2026-20292 For end note descriptions, see end note summary starting on page 42 Actuals Forecast +6% +21% (3%) +4% +4% Projected growth from AOCI burndown alone1 +1% +3%

© Fifth Third Bancorp | All Rights Reserved 3.40% $13 $13 $13 $13 $13 $13 $13 $13 $11 $10 $8 $5 $2 $6 $7 $8 $6 $5 $4 $4 $4 $4 $4 $13 $15 $19 $20 $21 $19 $18 $17 $15 $14 $12 $9 3Q26 4Q26 1Q27 2Q27 3Q27 4Q28 2Q30 3Q30 4Q30 2Q31 3Q31 4Q31 Cash flow hedges Receive-fixed swaps1 EOP notional value of cash flow hedges ($ in billions) Actual 36 Existing receive-fixed swaps2 Weighted average receive fixed rate 3.71% 3.64% 3.74% 3.88% 3 For end note descriptions, see end note summary starting on page 42 3.76%3.49% 3.70% 3.69% Forward starting receive-fixed swaps2 3.69% 3.73% 3.71%

© Fifth Third Bancorp | All Rights Reserved $22 $22 $23 $21 $18 $73 $73 $70 $71 $69 $3 $3 ($10) ($11) ($40) ($42) ($39) ($42) ($40) $58 $56 $44 $39 $47Origination fees and gains on loan sale Gross servicing fees Net MSR Valuation MSR decay 3Q25 4Q25 1Q26 2Q26 3Q26 Mortgage banking results $ in millions Mortgage banking net revenue Mortgage originations and margins $ in billions Rate lock margin represents gains recorded associated with salable rate locks divided by salable rate locks. Gain-on-sale margin represents gains on all loans originated for sale divided by salable originations. 37 $1.9 $2.2 $1.9 $2.5 $2.3 $1.4 $1.6 $1.4 $1.6 $1.4 $0.6 $0.6 $0.5 $0.9 $0.8 Originations HFI Originations HFS 3Q25 4Q25 1Q26 2Q26 3Q26 Note: Totals shown above may not foot due to rounding Rate lock margin 1.28% 1.16% 1.30% 1.26% 1.28% Gain-on-sale margin 1.33% 1.17% 1.47% 0.98% 0.93% Mortgage banking net revenue $58 $56 $44 $39 $47

© Fifth Third Bancorp | All Rights Reserved Preferred dividend schedule 4Q26 1Q27 2Q27 3Q27 Series H ~$11 ~$11 ~$12 ~$12 Series I ~$9 ~$9 ~$10 ~$10 Series J ~$6 ~$6 ~$6 ~$6 Series K ~$3 ~$3 ~$3 ~$3 Series M3 ~$7 ~$7 ~$7 ~$7 Class B Series A ~$3 ~$3 ~$3 ~$3 Total ~$39 ~$39 ~$40 ~$41 Upcoming preferred dividend schedule1 $ in millions 38 Floating2 Floating2 Floating2 For end note descriptions, see end note summary starting on page 42; totals shown above may not foot due to rounding

© Fifth Third Bancorp | All Rights Reserved 3Q26 reported EPS of $0.90 included a net negative $0.23 impact from the following notable item(s): • $225 million pre-tax (~$171 million after-tax2,3) charge related to merger-related charges • $34 million pre-tax (~$26 million after-tax2) charge related to interchange litigation • $19 million pre-tax (~$14 million after-tax2) charge related to technology-related asset impairments 3Q26 adjustments and notable items Adjusted EPS of $1.131 39 For end note descriptions, see end note summary starting on page 42

© Fifth Third Bancorp | All Rights Reserved Fifth Third Bancorp and Subsidiaries For the three months ended $ and shares in millions (unaudited) September June March December September 2026 2026 2026 2025 2025 Net income (U.S. GAAP) (a) $866 $801 $165 $731 $649 Net income (U.S. GAAP) (annualized) (b) $3,436 $3,213 $669 $2,900 $2,575 Net income available to common shareholders (U.S. GAAP) (c) $828 $763 $128 $699 $608 Add: Intangible amortization, net of tax 48 48 34 5 5 Tangible net income available to common shareholders (d) $876 $811 $162 $704 $613 Tangible net income available to common shareholders (annualized) (e) $3,475 $3,253 $657 $2,793 $2,432 Net income available to common shareholders (annualized) (f) $3,285 $3,060 $519 $2,773 $2,412 Average Bancorp shareholders' equity (U.S. GAAP) (g) $34,338 $34,260 $30,108 $21,527 $21,216 Less: Average preferred stock (h) (2,182) (2,182) (2,040) (1,770) (2,112) Average goodwill (9,976) (9,973) (8,686) (4,947) (4,937) Average intangible assets and other servicing rights (1,221) (1,257) (841) (72) (77) Average tangible common equity (i) $20,959 $20,848 $18,541 $14,738 $14,090 Less: Average accumulated other comprehensive income ("AOCI") 3,813 3,376 3,080 3,137 3,520 Average tangible common equity, excluding AOCI (j) $24,772 $24,224 $21,621 $17,875 $17,610 Adjustments (pre-tax items) Merger-related charges 225 203 657 13 — Interchange litigation matters 34 2 (8) 11 27 Technology-related asset impairments 19 7 — — — Securities (gains)/losses 5 (30) 12 5 (10) Securities repositioning losses — 10 — — — Severance expense — 7 — — — Merger-related Day 1 ACL build — — 83 — — Litigation settlements — — — (12) — FDIC special assessment — — — (25) (6) Fifth Third Foundation contribution — — — 50 — Non-qualified deferred compensation expense/(benefit) (6) 30 (9) (5) 11 Adjustments - after-tax1 (k) $210 $175 $569 $31 $16 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)] $1,076 $976 $734 $755 $665 Adjusted net income (annualized) (m) $4,269 $3,915 $2,977 $2,995 $2,638 Adjusted net income available to common shareholders [(c) + (k) + (l)] $1,038 $938 $697 $723 $624 Adjusted net income available to common shareholders (annualized) (n) $4,118 $3,762 $2,827 $2,868 $2,476 Adjusted tangible net income available to common shareholders [(d) + (k) + (l)] $1,086 $986 $731 $728 $629 Adjusted tangible net income available to common shareholders (annualized) (o) $4,309 $3,955 $2,965 $2,888 $2,495 Average assets (p) $302,119 $297,948 $265,551 $213,021 $211,770 Metrics: Return on assets (b) / (p) 1.14% 1.08% 0.25% 1.36% 1.21% Adjusted return on assets (m) / (p) 1.41% 1.31% 1.12% 1.41% 1.25% Return on average common equity (f) / [(g) + (h)] 10.2% 9.5% 1.8% 14.0% 12.6% Adjusted return on average common equity (n) / [(g) + (h)] 12.8% 11.7% 10.1% 14.5% 13.0% Return on average tangible common equity (e) / (i) 16.6% 15.6% 3.5% 19.0% 17.3% Adjusted return on average tangible common equity (o) / (i) 20.6% 19.0% 16.0% 19.6% 17.7% Adjusted return on average tangible common equity, excluding AOCI (o) / (j) 17.4% 16.3% 13.7% 16.2% 14.2% 40 Non-GAAP reconciliation For end note descriptions, see end note summary starting on page 42; totals shown above may not foot due to rounding

© Fifth Third Bancorp | All Rights Reserved Non-GAAP reconciliation 41 Fifth Third Bancorp and Subsidiaries For three months ended $ and shares in millions (unaudited) September June March December September 2026 2026 2026 2025 2025 Average interest-earning assets (a) $270,023 $264,989 $237,961 $194,144 $193,500 Net interest income (U.S. GAAP) (b) $2,271 $2,215 $1,934 $1,529 $1,520 Add: Taxable equivalent adjustment 5 5 5 4 5 Net interest income (FTE) (c) $2,276 $2,220 $1,939 $1,533 $1,525 Net interest income (FTE) (annualized) (d) $9,030 $8,904 $7,864 $6,082 $6,050 Noninterest income (U.S. GAAP) (e) $1,008 $1,059 $895 $811 $781 Interchange litigation matters 29 1 (8) 8 18 Merger-related charges 10 — 22 — — Securities repositioning losses — 10 — — — Litigation settlements — — — (12) — Noninterest income excluding certain item(s) $1,047 $1,070 $909 $807 $799 Other securities (gains)/losses 5 (30) 12 5 (10) Adjusted noninterest income, excluding certain item(s) and securities (gains)/losses (f) $1,052 $1,040 $921 $812 $789 Noninterest expense (U.S. GAAP) (g) $2,049 $2,109 $2,395 $1,309 $1,267 Merger-related charges (215) (203) (635) (13) — Technology-related asset impairments (19) (7) — — — Interchange litigation matters (5) (1) — (3) (9) Severance expense — (7) — — — FDIC Special Assessment — — — 25 6 Fifth Third Foundation contribution — — — (50) — Noninterest expense excluding certain item(s) $1,810 $1,891 $1,760 $1,268 $1,264 Add: Non-qualified deferred compensation (expense)/benefit 6 (30) 9 5 (11) Adjusted noninterest expense, excluding certain item(s) and non-qualified deferred compensation (h) $1,816 $1,861 $1,769 $1,273 $1,253 Metrics: Revenue (FTE) (c) + (e) $3,284 $3,279 $2,834 $2,344 $2,306 Adjusted revenue (c) + (f) $3,328 $3,260 $2,860 $2,345 $2,314 Pre-provision net revenue [(c) + (e) - (g)] $1,235 $1,170 $439 $1,035 $1,039 Adjusted pre-provision net revenue [(c) + (f) - (h)] $1,512 $1,399 $1,091 $1,072 $1,061 Net interest margin (FTE) (d) / (a) 3.34% 3.36% 3.30% 3.13% 3.13% Efficiency ratio (FTE) (g) / [(c) + (e)] 62.4% 64.3% 84.5% 55.8% 54.9% Adjusted efficiency ratio (h) / [(c) + (f)] 54.6% 57.1% 61.9% 54.3% 54.1% For end note descriptions, see end note summary starting on page 42; totals shown above may not foot due to rounding

© Fifth Third Bancorp | All Rights Reserved 42 Earnings presentation end notes Slide 3 end notes 1. Non-GAAP measure: see reconciliation on pages 40 and 41 of this presentation and use of non-GAAP measures on pages 27-29 of the earnings release. Slide 4 end notes 1. Reported ROTCE, NIM, pre-provision net revenue, and efficiency ratio are non-GAAP measures: all adjusted figures are non-GAAP measures; see reconciliation on pages 40 and 41 of this presentation and the use of non-GAAP measures on pages 27-29 of the earnings release. 2. Non-GAAP measure: see reconciliation on pages 40 and 41 of this presentation and use of non-GAAP measures on pages 27-29 of the earnings release. 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 40 and 41 of this presentation and use of non-GAAP measures on pages 27-29 of the earnings release. Slide 6 end notes 1. Non-GAAP measure: see reconciliation on pages 40 and 41 of this presentation and use of non-GAAP measures on pages 27-29 of the earnings release. 2. Includes the effects of non-qualified deferred compensation. Slide 7 end notes 1. Non-GAAP measure: see reconciliation on pages 40 and 41 of this presentation and use of non-GAAP measures on pages 27-29 of the earnings release. Slide 10 end notes 1. Excludes nonaccrual loans HFS. 2. 3Q26 includes $74 million of branch-related real estate no longer intended to be used for banking purposes. 3. 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. Estimated fully-phased CET1 ratio based on the March 19, 2026 Basel III standardized approach regulatory capital proposal. Slide 13 end notes 1. Non-GAAP measure: see reconciliation on pages 40 and 41 of this presentation and use of non-GAAP measures on pages 27-29 of the earnings release. Slide 15 end notes 1. Digitally active defined as having at least one login to mobile or online banking during the quarter. 2. Mobile active defined as having at least one login to mobile banking during the quarter. Slide 16 end notes 1. 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 September 30, 2026. 2. Non-GAAP measure: see reconciliation on pages 40 and 41 of this presentation and use of non-GAAP measures on pages 27-29 of the earnings release. Slide 17 end notes 1. Net losses charged-off as a percent of average portfolio loans and leases presented on an annualized basis. 2. Nonperforming portfolio loans and leases as a percent of portfolio loans and leases.

© Fifth Third Bancorp | All Rights Reserved Earnings presentation end notes 43 Slide 18 end notes 1. Net losses charged-off as a percent of average portfolio loans and leases presented on an annualized basis. 2. Nonperforming portfolio loans and leases as a percent of portfolio loans and leases. 3. Total commercial portfolio line utilization; 1Q26 and 2Q26 were restated to conform legacy Comerica line utilization to Fifth Third methodology upon systems conversion. Slide 19 end notes 1. Loans to NDFIs are estimated pending the filing of Fifth Third Bank's Call Report and includes the following captions within Call Report schedule RC-C Part I - mortgage credit intermediaries, business credit intermediaries, private equity funds, consumer credit intermediaries and other loans to non-depository financial institutions. 2. Peer data as of 6/30/2026. 3. Fifth Third standalone. Slide 20 end notes 1. Net losses charged-off as a percent of average portfolio loans and leases presented on an annualized basis. 2. Nonperforming portfolio loans and leases as a percent of portfolio loans and leases. Slide 22 end notes 1. Net losses charged-off as a percent of average portfolio loans and leases presented on an annualized basis. 2. Nonperforming portfolio loans and leases as a percent of portfolio loans and leases. Slide 23 end notes 1. Net losses charged-off as a percent of average portfolio loans and leases presented on an annualized basis. 2. Nonperforming portfolio loans and leases as a percent of portfolio loans and leases. 3. FICO distributions at origination exclude certain acquired mortgage & home equity loans, and certain credit loans on book primarily ~15+ years. Slide 24 end notes 1. Net losses charged-off as a percent of average portfolio loans and leases presented on an annualized basis. 2. Nonperforming portfolio loans and leases as a percent of portfolio loans and leases. 3. FICO distributions at origination exclude certain acquired mortgage loans. Slide 25 end notes 1. Net losses charged-off as a percent of average portfolio loans and leases presented on an annualized basis. 2. Nonperforming portfolio loans and leases as a percent of portfolio loans and leases. 3. FICO distributions at origination exclude certain acquired home equity loans. Slide 26 end notes 1. Net losses charged-off as a percent of average portfolio loans and leases presented on an annualized basis. 2. Nonperforming portfolio loans and leases as a percent of portfolio loans and leases. Slide 27 end notes 1. Net losses charged-off as a percent of average portfolio loans and leases presented on an annualized basis. 2. Nonperforming portfolio loans and leases as a percent of portfolio loans and leases. 3. FICO distributions at origination exclude certain credit loans on book primarily ~15+ years. Slide 28 end notes 1. Net losses charged-off as a percent of average portfolio loans and leases presented on an annualized basis. 2. Nonperforming portfolio loans and leases as a percent of portfolio loans and leases. Slide 29 end notes 1. 3Q26 commercial and consumer portfolio make up ~$185M and ~$40M, respectively, of the total reserve for unfunded commitment.

© Fifth Third Bancorp | All Rights Reserved 44 Earnings presentation end notes Slide 30 end notes 1. Loan balances exclude nonaccrual loans HFS. Slide 31 end notes Note: Data as of 9/30/2026 1. Excludes HFS Loans & Leases. 2. Fifth Third had $12.85BN of commercial variable loans classified as fixed given the impacts of $8.9BN in C&I receive-fix swaps and $4BN in CRE receive-fix swaps. Excludes $8BN in forward starting receive-fix swaps. 3. Fifth Third had $7.3BN SOFR receive-fix swaps outstanding against long-term debt, which are being included in floating long-term debt. 4. As a percent of total commercial. 5. As a percent of total consumer. 6. Includes 12M term, 6M term, and Fed Funds based loans. 7. Term points include SOFR, AMERIBOR, Treasuries & FX curves. 8. Includes overnight term, 3M term, 6M term, 12M term and Fed Funds. Slide 32 end notes Note: Data as of 9/30/2026; 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 34 end notes 1. See forward-looking statements on page 2 of this presentation regarding forward-looking non-GAAP measures and use of non-GAAP measures on pages 27-29 of the earnings release. 2. Analysis based on 9/30/2026 portfolio utilizing the implied forward curve as of 9/30/2026. 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 9/30/2026 portfolio utilizing the implied forward curve as of 9/30/2026. Slide 36 end notes 1. Represents forward looking statement, please refer to page 2 of this presentation regarding forward-looking non-GAAP measures. 2. Existing swaps transition from receive fixed / pay 1-month LIBOR to receive fixed / pay compound SOFR + 9.666 bps on their next post-LIBOR cessation resets. 3. Reflects the weighted average receive fixed rate (swaps only) as of 9/30/2026. Slide 38 end notes 1. Represents forward looking statement, please refer to page 2 of this presentation regarding forward-looking non-GAAP measures. 2. Projected dividends for the Series J, Series H, and Series I reflect 3M term SOFR plus the applicable spread. For the periods referencing 3M term SOFR, the projections include the 26.161bps spread adjustment pursuant to the final rule adopted by the Federal Reserve. 3. Series M Preferred Stock 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 dividend payment dates will be the 1st of January, April, July, and October. Slide 39 end notes 1. Average diluted common shares outstanding (thousands); 917,103; all adjusted figures are non-GAAP measures; see reconciliation on pages 40 and 41 of this presentation and the use of non-GAAP measures on pages 27-29 of the earnings release. 2. Assumes a 24% tax rate. 3. A portion of the adjustments related to merger-related charges are not tax-deductible. Slide 40 end notes Note: See pages 27-29 of the earnings release for a discussion on the use of non-GAAP financial measures. 1. Assumes a 24% tax rate. Slide 41 end notes Note: See pages 27-29 of the earnings release for a discussion on the use of non-GAAP financial measures.