What was Fifth Third Bancorp (FITB)'s Q2 2026 earnings per share?

Diluted EPS in Q2 2026 was $0.83 , versus $0.15 in Q1 2026 and $0.88 in Q2 2025. Adjusted EPS was $1.02 , excluding $0.19 per share of merger-related charges, securities repositioning losses, technology impairments, severance and interchange litigation items.

Fifth Third Bancorp (NASDAQ: FITB) Q2 net income climbs to $763M

Q: How much net income did Fifth Third Bancorp (FITB) generate in Q2 2026?

Fifth Third Bancorp generated $763 million of net income available to common shareholders in Q2 2026. This compares to $128 million in the prior quarter and $591 million in the same quarter of 2025, indicating a substantial sequential and year-over-year improvement.

Q: How did net interest income and margin trend for FITB in Q2 2026?

Net interest income (FTE) reached $2.220 billion in Q2 2026, up 14% sequentially and 48% year-over-year. Net interest margin expanded to 3.36% , increasing 6 basis points from Q1 2026 and 24 basis points from Q2 2025, supported by Comerica, loan growth and better deposit pricing.

Q: What were Fifth Third Bancorp (FITB)'s credit quality metrics in Q2 2026?

The net charge-off ratio was 0.30% , down from 0.37% in Q1 2026 and 0.45% a year earlier. The allowance for credit losses was 1.76% of portfolio loans with coverage of 303% of nonperforming portfolio loans and 293% of nonperforming portfolio assets.

Q: What capital ratios did Fifth Third Bancorp (FITB) report for Q2 2026?

Fifth Third reported a CET1 capital ratio of 9.93% , Tier 1 capital ratio of 10.81%, total risk-based capital ratio of 12.50%, and a leverage ratio of 9.20% as of June 30, 2026. There were no share repurchases in the first half of 2026.

Q: How did deposits and loans change for Fifth Third Bancorp (FITB) in Q2 2026?

Average deposits were $231.506 billion , up 11% sequentially and 42% year-over-year. Total average portfolio loans and leases were $177.572 billion , rising 13% sequentially and 44% year-over-year, driven by Comerica’s full-quarter contribution and broad-based commercial and consumer growth.

Q: What milestone did Fifth Third Bancorp (FITB) reach regarding its size and regulatory category?

Fifth Third’s total assets surpassed $300 billion in Q2 2026, and it formally became a Category III institution . Management stated it has prepared for this transition over multiple years and is positioned to meet all Category III regulatory requirements by required dates.

Filing Impact

(High)

Filing Sentiment

(Neutral)

Form Type

8-K

Rhea-AI Filing Summary

Fifth Third Bancorp reported strong second quarter 2026 results, with net income available to common shareholders of $763 million and diluted EPS of $0.83, up from $128 million and $0.15 in the prior quarter. Adjusted EPS was $1.02, excluding $0.19 per share of merger-related and other specified items. Total assets surpassed $300 billion, and the company formally became a Category III institution, after years of preparation in risk, capital, liquidity, and regulatory reporting.

Net interest income on a fully taxable-equivalent basis rose to $2.220 billion, up 14% sequentially and 48% year-over-year, with net interest margin expanding to 3.36%. Growth was driven by the full-quarter contribution from Comerica, organic loan production, asset repricing, and disciplined deposit pricing. Noninterest income increased to $1.059 billion, up 18% sequentially and 41% year-over-year, led by wealth and asset management, commercial payments, and capital markets fees. Noninterest expense was $2.109 billion, down 12% from the prior quarter but up 67% from a year ago; excluding certain items and non-qualified deferred compensation, expense was $1.861 billion, reflecting Comerica integration, higher technology spending, and marketing for deposit campaigns.

Credit performance remained solid. The provision for credit losses was $129 million, down from $227 million in the prior quarter. Net charge-offs were $135 million, for a net charge-off ratio of 0.30%, the lowest level since the second quarter of 2023. The allowance for credit losses totaled $3.148 billion, or 1.76% of portfolio loans and leases, with coverage of 303% of nonperforming portfolio loans and 293% of nonperforming portfolio assets. Average deposits were $231.5 billion, up 11% sequentially and 42% year-over-year, while the period-end portfolio loan-to-core-deposit ratio was 77%. The CET1 capital ratio stood at 9.93%, and there were no share repurchases in the first half of 2026.

Positive

Net income available to common shareholders reached $763 million, up 496% sequentially and 29% year-over-year, reflecting the full-quarter impact of the Comerica acquisition and stronger core performance.
Net interest income (FTE) increased to $2.220 billion, 48% higher than a year ago, with net interest margin improving to 3.36%, supported by higher earning-asset yields and disciplined deposit costs.
Credit quality remained favorable, with a net charge-off ratio of 0.30% (lowest since 2Q23) and the allowance for credit losses covering 303% of nonperforming portfolio loans.

Negative

Noninterest expense rose to $2.109 billion, a 67% year-over-year increase (51% excluding certain items and non-qualified deferred compensation), driven largely by Comerica integration, technology, and marketing costs.
Year-to-date net income available to common shareholders was $891 million, down 17% from the prior-year period, as merger-related charges weighed on results.
CET1 capital ratio declined to 9.93% from 10.58% a year earlier, reflecting capital usage for the Comerica acquisition and $933 million of pre-tax merger-related impacts.

Filing Explained

Existing holders face a larger common-share base, while the final Comerica systems-conversion milestone remains ahead.

The July 17, 2026 Form 8-K, a report of a specified material event, furnishes Fifth Third Bancorp’s second-quarter earnings release and presentation under Items 2.02 and 7.01; those materials are not deemed filed under those items.

For existing common holders, quarter-end common shares outstanding were 906,573 thousand versus 667,710 thousand a year earlier, while the equity statement records a $12,676 million year-to-date equity impact from the Comerica acquisition; the disclosed ownership base is therefore larger for per-share comparisons.

The Comerica integration remains in progress: management says systems conversion is scheduled for Labor Day weekend and is the final step toward the expected full run-rate of cost synergies.

Sources and calculations

Fifth Third Bancorp Form 8-K dated July 17, 2026 (2026-07-17)
Form 8-K purpose (current)

8-K Event Classification

3 items: 2.02, 7.01, 9.01

3 items

Item 2.02 Results of Operations and Financial Condition Financial

Disclosure of earnings results, typically an earnings press release or preliminary financials.

Item 7.01 Regulation FD Disclosure Disclosure

Material non-public information disclosed under Regulation Fair Disclosure, often investor presentations or guidance.

Item 9.01 Financial Statements and Exhibits Exhibits

Financial statements, pro forma financial information, and exhibit attachments filed with this report.

Key Figures

Net income available to common shareholders: $763 million Diluted earnings per share: $0.83 Net interest income (FTE): $2.220 billion +5 more

8 metrics

Net income available to common shareholders $763 million For the quarter ended June 30, 2026

Diluted earnings per share $0.83 Q2 2026, versus $0.15 in Q1 2026 and $0.88 in Q2 2025

Net interest income (FTE) $2.220 billion Q2 2026; up 14% sequentially and 48% year-over-year

Noninterest expense $2.109 billion Q2 2026; down 12% sequentially but up 67% year-over-year

Net charge-off ratio 0.30% Annualized Q2 2026 net losses charged-off as a percent of average portfolio loans and leases

CET1 capital ratio 9.93% Regulatory capital ratio as of June 30, 2026

Total assets $300.122 billion Balance sheet total as of June 30, 2026, surpassing the $300 billion level

Average deposits $231.506 billion Q2 2026; up 11% sequentially and 42% year-over-year

Key Terms

Category III institution, Net interest margin, Allowance for credit losses, Nonperforming portfolio assets, +1 more

5 terms

Category III institution financial

"surpassing $300 billion in total assets and formally becoming a Category III institution"

Net interest margin financial

"Net interest margin (a) expanded 6 bps sequentially"

Net interest margin measures how much a bank earns from lending and investing compared with what it pays for funding, expressed as a percentage of its interest-earning assets. Think of it like a grocery store’s markup: it shows the gap between buying cost and selling price per dollar of goods — here, the cost is interest paid and the sale is interest received. Investors watch it because a higher margin usually means a bank is more profitable and better at managing interest rate and credit conditions.

Allowance for credit losses financial

"Total allowance for credit losses (ACL) | $3,148"

Allowance for credit losses is a reserve set aside by a financial institution to cover potential losses from borrowers who may not repay their loans. It acts like a safety net, helping the institution prepare for loans that might turn sour. For investors, it signals how cautious the institution is about the quality of its loans and potential risks to its financial health.

Nonperforming portfolio assets financial

"Nonperforming portfolio assets as a percent of portfolio loans and leases and OREO"

Tangible common equity financial

"Tangible common equity (excluding AOCI) (a) | 8.30 %"

Tangible common equity is the portion of a company’s net worth that belongs to ordinary shareholders after removing intangible items (like goodwill or patents) and any preferred claims; it’s often expressed on a per-share basis. Think of it as the hard, sellable value left for common owners if you removed non-physical assets and paid off debts—investors use it to judge how much real cushion a company has and whether the stock might be under- or over-valued.

Earnings Snapshot

Net income available to common shareholders: $763 million

Quarter ended June 30, 2026

Net income available to common shareholders $763 million Up 496% sequentially and 29% year-over-year versus $128 million in 1Q26 and $591 million in 2Q25

Diluted EPS $0.83 Up from $0.15 in 1Q26 and slightly below $0.88 in 2Q25; adjusted EPS was $1.02 excluding $0.19 of certain items

Net interest income (FTE) $2.220 billion Increased 14% sequentially and 48% year-over-year from $1.939 billion in 1Q26 and $1.500 billion in 2Q25

Noninterest income $1.059 billion Rose 18% sequentially and 41% year-over-year from $895 million in 1Q26 and $750 million in 2Q25

Provision for credit losses $129 million Decreased 43% from $227 million in 1Q26 and 25% from $173 million in 2Q25

Net interest margin (FTE) 3.36% Expanded 6 basis points sequentially and 24 basis points year-over-year from 3.30% in 1Q26 and 3.12% in 2Q25

Net charge-off ratio 0.30% Improved from 0.37% in 1Q26 and 0.45% in 2Q25, the lowest level since 2Q23

AI-generated analysis. How Rhea-AI works. Not financial advice.

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Available on EDGAR 07/17/2026 - 06:30 AM Accepted by SEC EDGAR 07/17/2026 - 06:30 AM

FAQ

How much net income did Fifth Third Bancorp (FITB) generate in Q2 2026?

Fifth Third Bancorp generated $763 million of net income available to common shareholders in Q2 2026. This compares to $128 million in the prior quarter and $591 million in the same quarter of 2025, indicating a substantial sequential and year-over-year improvement.

How did net interest income and margin trend for FITB in Q2 2026?

Net interest income (FTE) reached $2.220 billion in Q2 2026, up 14% sequentially and 48% year-over-year. Net interest margin expanded to 3.36%, increasing 6 basis points from Q1 2026 and 24 basis points from Q2 2025, supported by Comerica, loan growth and better deposit pricing.

What were Fifth Third Bancorp (FITB)'s credit quality metrics in Q2 2026?

The net charge-off ratio was 0.30%, down from 0.37% in Q1 2026 and 0.45% a year earlier. The allowance for credit losses was 1.76% of portfolio loans with coverage of 303% of nonperforming portfolio loans and 293% of nonperforming portfolio assets.

What capital ratios did Fifth Third Bancorp (FITB) report for Q2 2026?

Fifth Third reported a CET1 capital ratio of 9.93%, Tier 1 capital ratio of 10.81%, total risk-based capital ratio of 12.50%, and a leverage ratio of 9.20% as of June 30, 2026. There were no share repurchases in the first half of 2026.

How did deposits and loans change for Fifth Third Bancorp (FITB) in Q2 2026?

Average deposits were $231.506 billion, up 11% sequentially and 42% year-over-year. Total average portfolio loans and leases were $177.572 billion, rising 13% sequentially and 44% year-over-year, driven by Comerica’s full-quarter contribution and broad-based commercial and consumer growth.

What milestone did Fifth Third Bancorp (FITB) reach regarding its size and regulatory category?

Fifth Third’s total assets surpassed $300 billion in Q2 2026, and it formally became a Category III institution. Management stated it has prepared for this transition over multiple years and is positioned to meet all Category III regulatory requirements by required dates.

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, DC 20549

FORM 8-K

CURRENT REPORT

PURSUANT TO SECTION 13 OR 15(D)

OF THE SECURITIES EXCHANGE ACT OF 1934

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

Fifth Third Bancorp

(Exact name of registrant as specified in its charter)

Ohio

001-33653

31-0854434

(State or other jurisdiction
of incorporation)

(Commission
File Number)

(IRS Employer
Identification No.)

Fifth Third Center

38 Fountain Square Plaza

Cincinnati

Ohio

45263

(Address of Principal Executive Offices)

(Zip Code)

(800) 972-3030

(Registrant's telephone number, including area code)

Not Applicable

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

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

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

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

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

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

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

Title of each class

Trading
Symbol(s)

Name of each exchange on which registered

Common Stock, Without Par Value

FITB

New York Stock Exchange

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

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

FITB PrI

New York Stock Exchange

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

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

FITB PrA

New York Stock Exchange

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

4.95% Non-Cumulative Perpetual Preferred Stock, Series K

FITB PrK

New York Stock Exchange

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

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

FITB PrM

New York Stock Exchange

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

Emerging growth company ☐

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

Item 2.02 Results of Operations and Financial Condition.

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

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

Item 7.01 Regulation FD Disclosure.

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

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

Item 9.01 Financial Statements and Exhibits

Exhibit 99.1 – Press release dated July 17, 2026

Exhibit 99.2 – Second Quarter 2026 Earnings Presentation

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

SIGNATURES

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


						FIFTH THIRD BANCORP
						(Registrant)

Date: July 17, 2026						/s/ Bryan D. Preston

						Bryan D. Preston
						Executive Vice President and Chief Financial Officer

Fifth Third Bancorp Reports Second Quarter 2026 Earnings

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

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



Key Financial Data							Key Highlights

$ in millions for all balance sheet and income statement items
	2Q26		1Q26		2Q25		Stability: •Strong credit performance. Net charge-offs(b) of 30 bps in 2Q26, the lowest level since 2Q23 •Interest-bearing deposit costs decreased 2 bps sequentially to 2.13% •Tangible common equity(a) increased 43 bps year-over-year Profitability: •Net interest margin(a) expanded 6 bps sequentially •Adjusted ROTCE(a) improved 100 bps and adjusted ROA(a) improved 9 bps year-over- year •Disciplined expense management; adjusted efficiency ratio(a) of 57.1% improved 480 bps sequentially Growth: •Delivered $2.5 billion of consumer deposits from the Comerica Southwest marketing campaign •Newline deposits up $2.1 billion and fee revenues up 35% year-over-year •Legacy Fifth Third consumer household growth of 3%, including 7% in the Southeast

Income Statement Data
Net income available to common shareholders	$763		$128		$591
Net interest income (U.S. GAAP)	2,215		1,934		1,495
Net interest income (FTE)(a)	2,220		1,939		1,500
Noninterest income	1,059		895		750
Noninterest expense	2,109		2,395		1,264

Per Share Data
Earnings per share, basic	$0.84		$0.16		$0.88
Earnings per share, diluted	0.83		0.15		0.88
Book value per share	35.56		35.24		28.47
Tangible book value per share(a)	23.15		22.88		20.98

Balance Sheet & Credit Quality
Average portfolio loans and leases	$177,572		$157,632		$123,071
Average deposits	231,506		209,352		163,575
Accumulated other comprehensive loss	(3,345)		(3,234)		(3,546)
Net charge-off ratio(b)	0.30	%	0.37	%	0.45	%
Nonperforming asset ratio(c)	0.60		0.57		0.72

Financial Ratios
Return on average assets	1.08	%	0.25	%	1.20	%
Return on average common equity	9.5		1.8		12.8
Return on average tangible common equity(a)	15.6		3.5		17.6
CET1 capital(d)	9.93		9.89		10.58
Net interest margin(a)	3.36		3.30		3.12
Efficiency(a)	64.3		84.5		56.2
Other than the Quarterly Financial Review tables beginning on page 14, commentary is on a fully taxable-equivalent (FTE) basis unless otherwise noted. Consistent with SEC guidance in Regulation S-K that contemplates the calculation of tax-exempt income on a taxable-equivalent basis, net interest income, net interest margin, net interest rate spread, total revenue and the efficiency ratio are provided on an FTE basis.

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

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

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

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

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


Income Statement Highlights
($ in millions, except per share data)	For the Three Months Ended			% Change
	June	March	June
	2026	2026	2025	Seq	Yr/Yr
Condensed Statements of Income
Net interest income (NII)(a)	$2,220	$1,939	$1,500	14%	48%
Provision for credit losses	129	227	173	(43)%	(25)%
Noninterest income	1,059	895	750	18%	41%
Noninterest expense	2,109	2,395	1,264	(12)%	67%
Income before income taxes(a)	$1,041	$212	$813	391%	28%

Taxable equivalent adjustment	$5	$5	$5	—	—
Applicable income tax expense	235	42	180	460%	31%
Net income	$801	$165	$628	385%	28%
Dividends on preferred stock	38	37	37	3%	3%
Net income available to common shareholders	$763	$128	$591	496%	29%
Earnings per share, diluted	$0.83	$0.15	$0.88	453%	(6)%

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

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



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

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

						Merger-related charges(e)1,2			$(155)
						Securities repositioning losses(e)			(8)
						Technology-related asset impairments(e)			(5)


						Severance expense(e)			(5)

						Interchange litigation matters(e)3			(2)

						After-tax impact of certain item(s)			$(175)

						Diluted earnings per share impact of certain item(s)4			$(0.19)

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


Net Interest Income
(FTE; $ in millions)(a)	For the Three Months Ended						% Change
	June		March		June
	2026		2026		2025		Seq	Yr/Yr
Interest Income
Interest income	$3,377		$2,977		$2,489		13%	36%
Interest expense	1,157		1,038		989		11%	17%
Net interest income (NII)	$2,220		$1,939		$1,500		14%	48%


Average Yield/Rate Analysis							bps Change
Yield on interest-earning assets	5.11	%	5.07	%	5.18	%	4	(7)
Rate paid on interest-bearing liabilities	2.44	%	2.44	%	2.78	%	—	(34)

Ratios
Net interest rate spread	2.67	%	2.63	%	2.40	%	4	27
Net interest margin (NIM)	3.36	%	3.30	%	3.12	%	6	24

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


Noninterest Income
($ in millions)	For the Three Months Ended			% Change
	June	March	June
	2026	2026	2025	Seq	Yr/Yr
Noninterest Income
Wealth and asset management revenue	$256	$233	$166	10%	54%
Commercial payments revenue	254	218	152	17%	67%
Consumer banking revenue	161	146	147	10%	10%
Capital markets fees	154	134	90	15%	71%
Commercial banking revenue	125	105	79	19%	58%
Mortgage banking net revenue	39	44	56	(11)%	(30)%
Other noninterest income	50	27	44	85%	14%
Securities gains/(losses), net	20	(12)	16	NM	25%


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

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


Noninterest Income excluding certain items
($ in millions)	For the Three Months Ended			% Change
	June	March	June
	2026	2026	2025	Seq	Yr/Yr
Noninterest Income excluding certain items
Noninterest income (U.S. GAAP)	$1,059	$895	$750
Interchange litigation matters	1	(8)	1
Merger-related charges	—	22	—
Securities repositioning losses	10	—	—

Other securities (gains)/losses, net	(30)	12	(16)
Noninterest income excluding certain items(a)	$1,040	$921	$735	13%	41%

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

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


Noninterest Expense
($ in millions)	For the Three Months Ended			% Change
	June	March	June
	2026	2026	2025	Seq	Yr/Yr
Noninterest Expense
Compensation and benefits	$1,129	$1,410	$698	(20)%	62%
Technology and communications	250	204	126	23%	98%
Net occupancy expense	154	140	83	10%	86%
Card and processing expense	66	79	22	(16)%	200%
Equipment expense	60	55	41	9%	46%
Loan and lease expense	53	42	36	26%	47%
Marketing expense	65	50	43	30%	51%
Other noninterest expense	332	415	215	(20)%	54%
Total noninterest expense	$2,109	$2,395	$1,264	(12)%	67%

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


Noninterest Expense excluding certain item(s)
($ in millions)	For the Three Months Ended			% Change
	June	March	June
	2026	2026	2025	Seq	Yr/Yr
Noninterest Expense excluding certain item(s)
Noninterest expense (U.S. GAAP)	$2,109	$2,395	$1,264
Merger-related charges	(203)	(635)	—
Technology-related asset impairments	(7)	—	—
Severance expense	(7)	—	(15)
Interchange litigation matters	(1)	—	—



Noninterest expense excluding certain item(s)(a)	$1,891	$1,760	$1,249	7%	51%
Non-qualified deferred compensation (expense)/benefit	(30)	9	(16)
Noninterest expense excluding certain item(s) and non-qualified deferred compensation(a)	$1,861	$1,769	$1,233	5%	51%

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

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


Average Interest-Earning Assets
($ in millions)	For the Three Months Ended			% Change
	June	March	June
	2026	2026	2025	Seq	Yr/Yr
Average Portfolio Loans and Leases
Commercial loans and leases:
Commercial and industrial loans	$84,967	$73,264	$54,075	16%	57%
Commercial mortgage loans	27,176	21,969	12,410	24%	119%
Commercial construction loans	8,437	7,278	5,810	16%	45%
Commercial leases	3,503	3,347	3,120	5%	12%
Total commercial loans and leases	$124,083	$105,858	$75,415	17%	65%
Consumer loans:
Residential mortgage loans	$19,626	$18,848	$17,615	4%	11%
Home equity	6,830	6,064	4,383	13%	56%
Indirect secured consumer loans	18,239	18,105	17,248	1%	6%
Credit card	1,646	1,659	1,659	(1)%	(1)%
Solar energy installation loans	4,384	4,516	4,268	(3)%	3%
Other consumer loans	2,764	2,582	2,483	7%	11%
Total consumer loans	$53,489	$51,774	$47,656	3%	12%
Total average portfolio loans and leases	$177,572	$157,632	$123,071	13%	44%

Average Loans and Leases Held for Sale
Commercial loans and leases held for sale	$399	$85	$45	369%	787%
Consumer loans held for sale	736	566	541	30%	36%
Total average loans and leases held for sale	$1,135	$651	$586	74%	94%

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

Securities (taxable and tax-exempt)	$67,924	$59,950	$56,243	13%	21%
Other short-term investments	18,358	19,728	12,782	(7)%	44%
Total average interest-earning assets	$264,989	$237,961	$192,682	11%	38%

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

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

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


End of Period Interest-Earning Assets
($ in millions)	As of			% Change
	June	March	June
	2026	2026	2025	Seq	Yr/Yr
End of Period Portfolio Loans and Leases
Total commercial loans and leases	$124,880	$122,859	$74,152	2%	68%
Total consumer loans	53,648	53,391	48,244	—	11%
Total portfolio loans and leases	$178,528	$176,250	$122,396	1%	46%

End of Period Loans and Leases Held for Sale


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

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

Securities (taxable and tax-exempt)	$68,332	$67,823	$55,109	1%	24%
Other short-term investments	19,350	17,456	13,043	11%	48%
Total interest-earning assets	$267,076	$262,894	$191,194	2%	40%

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

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

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


Average Deposits
	($ in millions)	For the Three Months Ended			% Change
		June	March	June
		2026	2026	2025	Seq	Yr/Yr
	Average Deposits
	Demand	$63,976	$55,770	$40,885	15%	56%
	Interest checking	70,507	67,369	56,738	5%	24%
	Savings	18,430	17,546	16,962	5%	9%
	Money market	63,200	54,219	36,296	17%	74%
	Total transaction deposits	$216,113	$194,904	$150,881	11%	43%
	CDs $250,000 or less	12,403	11,641	10,494	7%	18%
	Total core deposits	$228,516	$206,545	$161,375	11%	42%
	CDs over $250,0001	2,990	2,807	2,200	7%	36%

	Total average deposits	$231,506	$209,352	$163,575	11%	42%
	1CDs over $250,000 includes $0.1BN, $0.4BN, and $1.1BN of retail brokered certificates of deposit which are fully covered by FDIC insurance for the three months ended 6/30/26, 3/31/26, and 6/30/25, respectively.

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

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

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


Average Wholesale Funding
	($ in millions)	For the Three Months Ended			% Change
		June	March	June
		2026	2026	2025	Seq	Yr/Yr
	Average Wholesale Funding
	CDs over $250,0001	$2,990	$2,807	$2,200	7%	36%

	Federal funds purchased	160	178	206	(10)%	(22)%
	Securities sold under repurchase agreements	444	322	353	38%	26%
	FHLB advances	3,437	99	4,976	NM	(31)%
	Derivative collateral and other secured borrowings	64	83	89	(23)%	(28)%
	Long-term debt	18,817	18,062	14,599	4%	29%
	Total average wholesale funding	$25,912	$21,551	$22,423	20%	16%
	1CDs over $250,000 includes $0.1BN, $0.4BN, and $1.1BN of retail brokered certificates of deposit which are fully covered by FDIC insurance for the three months ended 6/30/26, 3/31/26, and 6/30/25, respectively.

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

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


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

Total nonaccrual portfolio loans and leases (NPLs)	$1,041		$960		$767		$768		$853
Repossessed property	10		11		11		12		8
OREO	24		28		19		21		25
Total nonperforming portfolio loans and leases and OREO (NPAs)	$1,075		$999		$797		$801		$886

NPL ratio(f)	0.58	%	0.54	%	0.62	%	0.62	%	0.70	%
NPA ratio(c)	0.60	%	0.57	%	0.65	%	0.65	%	0.72	%

Portfolio loans and leases 30-89 days past due (accrual)	$561		$683		$360		$348		$277
Portfolio loans and leases 90 days past due (accrual)	33		49		30		29		34

30-89 days past due as a % of portfolio loans and leases	0.31	%	0.39	%	0.29	%	0.28	%	0.23	%
90 days past due as a % of portfolio loans and leases	0.02	%	0.03	%	0.02	%	0.02	%	0.03	%

Allowance for loan and lease losses (ALLL), beginning	$2,922		$2,253		$2,265		$2,412		$2,384
Total net losses charged-off	(135)		(144)		(125)		(339)		(139)
Provision for loan and lease losses	131		152		113		192		167
Allowance on PCD loans and leases at acquisition	(1)		180		—		—		—
Allowance on PSLs at acquisition	1		481		—		—		—
ALLL, ending	$2,918		$2,922		$2,253		$2,265		$2,412

Reserve for unfunded commitments, beginning	$232		$157		$151		$146		$140
(Benefit from) provision for the reserve for unfunded commitments	(2)		75		6		5		6
Reserve for unfunded commitments, ending	$230		$232		$157		$151		$146

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

ACL ratios:
As a % of portfolio loans and leases	1.76	%	1.79	%	1.96	%	1.96	%	2.09	%
As a % of nonperforming portfolio loans and leases	303	%	328	%	314	%	314	%	300	%
As a % of nonperforming portfolio assets	293	%	316	%	302	%	302	%	289	%

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

Total losses charged-off	$(181)		$(187)		$(177)		$(382)		$(194)
Total recoveries of losses previously charged-off	46		43		52		43		55
Total net losses charged-off1	$(135)		$(144)		$(125)		$(339)		$(139)

Net charge-off ratio (NCO ratio)(b)1	0.30	%	0.37	%	0.40	%	1.09	%	0.45	%
Commercial NCO ratio	0.21	%	0.26	%	0.27	%	1.46	%	0.38	%
Consumer NCO ratio	0.53	%	0.58	%	0.59	%	0.52	%	0.56	%
1Excludes net charge-offs of $111 million which were taken immediately at the time of acquisition.

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

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

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

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


Capital Position
	As of and For the Three Months Ended
	June		March		December		September		June
	2026		2026		2025		2025		2025
Capital Position
Average total Bancorp shareholders' equity as a % of average assets	11.50	%	11.34	%	10.11	%	10.02	%	9.82	%
Tangible equity(a)	9.04	%	9.01	%	9.28	%	9.12	%	9.39	%
Tangible common equity (excluding AOCI)(a)	8.30	%	8.26	%	8.46	%	8.29	%	8.38	%
Tangible common equity (including AOCI)(a)	7.27	%	7.25	%	7.14	%	6.89	%	6.84	%

Regulatory Capital Ratios(d)
CET1 capital	9.93	%	9.89	%	10.81	%	10.57	%	10.58	%
Tier 1 risk-based capital	10.81	%	10.79	%	11.87	%	11.63	%	11.85	%
Total risk-based capital	12.50	%	12.50	%	13.78	%	13.54	%	13.77	%
Leverage	9.20	%	10.22	%	9.41	%	9.24	%	9.42	%

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

Tax Rate

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

Conference Call

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

Corporate Profile

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

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

Earnings Release End Notes

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

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

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

(d)Current period regulatory capital ratios are estimated.

(e)Assumes a 24% tax rate.

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

FORWARD-LOOKING STATEMENTS

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

There are a number of important factors that could cause future results to differ materially from historical performance and these forward-looking statements. Factors that might cause such a difference include, but are not limited to: (1) deteriorating credit quality; (2) loan concentration by location or industry of borrowers or collateral; (3) any instability or disruption in the financial system, including those caused by actual or perceived issues affecting the soundness of other financial institutions or market participants; (4) inadequate sources of funding or liquidity; (5) unfavorable actions of rating agencies; (6) inability to maintain or grow deposits; (7) limitations on the ability to receive dividends from subsidiaries; (8) cyber-security risks; (9) Fifth Third’s ability to secure confidential information and deliver products and services through the use of computer systems and telecommunications networks; (10) failures by third-party service providers; (11) inability to manage strategic initiatives and/or organizational changes; (12) inability to implement technology system enhancements, including the use of artificial intelligence; (13) failure of internal controls and other risk management programs; (14) losses related to fraud, theft, misappropriation or violence; (15) inability to attract and retain skilled personnel; (16) adverse impacts of government regulation; (17) governmental or regulatory changes or other actions; (18) failures to meet applicable capital requirements; (19) regulatory objections to Fifth Third’s capital plan; (20) regulation of Fifth Third’s derivatives activities; (21) deposit insurance premiums; (22) assessments for the orderly liquidation fund; (23) weakness in the national or local economies; (24) global political and economic uncertainty or negative actions; (25) changes in interest rates and the effects of inflation; (26) changes in U.S. trade policies, including the imposition of tariffs and retaliatory tariffs; (27) changes and trends in capital markets; (28) fluctuation of Fifth Third’s stock price; (29) volatility in mortgage banking revenue; (30) litigation, investigations, and enforcement proceedings; (31) breaches of contractual covenants, representations and warranties; (32) competition and changes in the financial services industry; (33) potential impacts of the adoption of real-time payment networks; (34) changing retail distribution strategies, customer preferences and behavior; (35) difficulties in identifying, acquiring or integrating suitable strategic partnerships, investments or acquisitions; (36) potential dilution from future acquisitions; (37) loss of income and/or difficulties encountered in the sale and separation of businesses, investments or other assets; (38) results of investments or acquired entities; (39) changes in accounting standards or interpretation or declines in the value of Fifth Third’s goodwill or other intangible assets; (40) inaccuracies or other failures from the use of models; (41) effects of critical accounting policies and judgments or the use of inaccurate estimates; (42) weather-related events, other natural disasters, or health emergencies (including pandemics); (43) the impact of reputational risk created by these or other developments on such matters as business generation and retention, funding and liquidity; (44) changes in law or requirements imposed by Fifth Third’s regulators impacting our capital actions, including dividend payments and stock repurchases; (45) Fifth Third's ability to meet its environmental and/or social targets, goals and commitments; and (46) risks relating to the merger with Comerica Incorporated, including Fifth Third’s inability to realize the anticipated benefits of the merger and potential disruption to Fifth Third’s business resulting from post-merger integration.

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

# # #

Quarterly Financial Review for June 30, 2026

Table of Contents




			Financial Highlights			14-15
			Consolidated Statements of Income			16-17
			Consolidated Balance Sheets			18-19
			Consolidated Statements of Changes in Equity			20
			Average Balance Sheets and Yield/Rate Analysis			21-22
			Summary of Loans and Leases			23
			Regulatory Capital			24
			Summary of Credit Loss Experience			25
			Asset Quality			26
			Non-GAAP Reconciliation			27-29
			Segment Presentation			30


Fifth Third Bancorp and Subsidiaries
Financial Highlights		As of and For the Three Months Ended						% / bps								% / bps
$ in millions, except per share data								Change				Year to Date				Change
(unaudited)		June		March		June						June		June
		2026		2026		2025		Seq		Yr/Yr		2026		2025		Yr/Yr
Income Statement Data
Net interest income		$2,215		$1,934		$1,495		15%		48%		$4,149		$2,932		42%
Net interest income (FTE)(a)		2,220		1,939		1,500		14%		48%		4,159		2,942		41%
Noninterest income		1,059		895		750		18%		41%		1,954		1,444		35%
	Total revenue (FTE)(a)	3,279		2,834		2,250		16%		46%		6,113		4,386		39%
Provision for credit losses		129		227		173		(43%)		(25%)		356		347		3%
Noninterest expense		2,109		2,395		1,264		(12%)		67%		4,504		2,568		75%
Net income		801		165		628		385%		28%		966		1,142		(15%)
Net income available to common shareholders		763		128		591		496%		29%		891		1,069		(17%)

Earnings Per Share Data
Net income allocated to common shareholders		$763		$128		$591		496%		29%		$891		$1,069		(17%)
Average common shares outstanding (in thousands):
	Basic	911,613		825,119		670,787		10%		36%		868,605		670,919		29%
	Diluted	915,959		830,274		674,034		10%		36%		873,353		675,032		29%
Earnings per share, basic		$0.84		$0.16		$0.88		425%		(5%)		$1.03		$1.59		(35%)
Earnings per share, diluted		0.83		0.15		0.88		453%		(6%)		1.02		1.58		(35%)

Common Share Data
Cash dividends per common share		$0.40		$0.40		$0.37		—		8%		$0.80		$0.74		8%
Book value per share		35.56		35.24		28.47		1%		25%		35.56		28.47		25%
Market value per share		56.37		46.46		41.13		21%		37%		56.37		41.13		37%
Common shares outstanding (in thousands)		906,573		905,823		667,710		—		36%		906,573		667,710		36%
Market capitalization		$51,103		$42,085		$27,463		21%		86%		$51,103		$27,463		86%

Financial Ratios
Return on average assets		1.08	%	0.25	%	1.20	%	83		(12)		0.69	%	1.09	%	(40)
Return on average common equity		9.5	%	1.8	%	12.8	%	770		(330)		6.0	%	11.8	%	(580)
Return on average tangible common equity(a)		15.6	%	3.5	%	17.6	%	NM		(200)		10.0	%	16.5	%	(650)
Noninterest income as a percent of total revenue(a)		32	%	32	%	33	%	—		(100)		32	%	33	%	(100)
Dividend payout		47.6	%	250.0	%	42.0	%	NM		NM		77.7	%	46.5	%	NM
Average total Bancorp shareholders’ equity as a percent of average assets		11.50	%	11.34	%	9.82	%	16		168		11.42	%	9.66	%	176
Tangible common equity(a)		8.30	%	8.26	%	8.38	%	4		(8)		8.30	%	8.38	%	(8)
Net interest margin (FTE)(a)		3.36	%	3.30	%	3.12	%	6		24		3.33	%	3.08	%	25
Efficiency (FTE)(a)		64.3	%	84.5	%	56.2	%	NM		810		73.7	%	58.6	%	NM
Effective tax rate		22.7	%	20.1	%	22.2	%	260		50		22.3	%	21.8	%	50

Credit Quality
Net losses charged-off(h)		$135		$144		$139		(6	%)	(3	%)	$279		$276		1	%
Net losses charged-off as a percent of average portfolio loans and leases (annualized)		0.30	%	0.37	%	0.45	%	(7)		(15)		0.33	%	0.45	%	(12)
ALLL as a percent of portfolio loans and leases		1.63	%	1.66	%	1.97	%	(3)		(34)		1.63	%	1.97	%	(34)
ACL as a percent of portfolio loans and leases(f)		1.76	%	1.79	%	2.09	%	(3)		(33)		1.76	%	2.09	%	(33)
Nonperforming portfolio assets as a percent of portfolio loans and leases and OREO		0.60	%	0.57	%	0.72	%	3		(12)		0.60	%	0.72	%	(12)

Average Balances
Loans and leases, including held for sale		$178,707		$158,283		$123,657		13%		45%		$168,552		$122,716		37%
Securities and other short-term investments		86,282		79,678		69,025		8%		25%		82,998		70,029		19%
Assets		297,947		265,551		210,554		12%		42%		281,839		210,556		34%
Transaction deposits(b)		216,113		194,904		150,881		11%		43%		205,567		151,153		36%
Core deposits(c)		228,516		206,545		161,375		11%		42%		217,591		161,591		35%
Wholesale funding(d)		25,912		21,551		22,423		20%		16%		23,744		22,343		6%
Bancorp shareholders' equity		34,260		30,108		20,670		14%		66%		32,195		20,337		58%

Regulatory Capital Ratios(e)
CET1 capital		9.93	%	9.89	%	10.58	%	4		(65)		9.93	%	10.58	%	(65)
Tier 1 risk-based capital		10.81	%	10.79	%	11.85	%	2		(104)		10.81	%	11.85	%	(104)
Total risk-based capital		12.50	%	12.50	%	13.77	%	—		(127)		12.50	%	13.77	%	(127)
Leverage		9.20	%	10.22	%	9.42	%	(102)		(22)		9.20	%	9.42	%	(22)

Additional Metrics
Banking centers		1,500		1,489		1,089		1%		38%		1,500		1,089		38%
ATMs		2,648		2,643		2,170		—		22%		2,648		2,170		22%
Full-time equivalent employees		25,196		25,980		18,690		(3%)		35%		25,196		18,690		35%
Assets under care ($ in billions)(g)		$902		$865		$657		4%		37%		$902		$657		37%
Assets under management ($ in billions)(g)		128		119		73		8%		75%		128		73		75%

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

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

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

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

(e)Current period regulatory capital ratios are estimates.

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

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

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


Fifth Third Bancorp and Subsidiaries
Financial Highlights
$ in millions, except per share data		As of and For the Three Months Ended
(unaudited)		June		March		December		September		June
		2026		2026		2025		2025		2025
Income Statement Data
Net interest income		$2,215		$1,934		$1,529		$1,520		$1,495
Net interest income (FTE)(a)		2,220		1,939		1,533		1,525		1,500
Noninterest income		1,059		895		811		781		750
	Total revenue (FTE)(a)	3,279		2,834		2,344		2,306		2,250
Provision for credit losses		129		227		119		197		173
Noninterest expense		2,109		2,395		1,309		1,267		1,264
Net income		801		165		731		649		628
Net income available to common shareholders		763		128		699		608		591

Earnings Per Share Data
Net income allocated to common shareholders		$763		$128		$699		$608		$591
Average common shares outstanding (in thousands):
	Basic	911,613		825,119		664,384		666,427		670,787
	Diluted	915,959		830,274		669,153		670,878		674,034
Earnings per share, basic		$0.84		$0.16		$1.05		$0.91		$0.88
Earnings per share, diluted		0.83		0.15		1.04		0.91		0.88

Common Share Data
Cash dividends per common share		$0.40		$0.40		$0.40		$0.40		$0.37
Book value per share		35.56		35.24		30.18		29.26		28.47
Market value per share		56.37		46.46		46.81		44.55		41.13
Common shares outstanding (in thousands)		906,573		905,823		661,198		660,973		667,710
Market capitalization		$51,103		$42,085		$30,951		$29,446		$27,463

Financial Ratios
Return on average assets		1.08	%	0.25	%	1.36	%	1.21	%	1.20	%
Return on average common equity		9.5	%	1.8	%	14.0	%	12.6	%	12.8	%
Return on average tangible common equity(a)		15.6	%	3.5	%	19.0	%	17.3	%	17.6	%
Noninterest income as a percent of total revenue(a)		32	%	32	%	35	%	34	%	33	%
Dividend payout		47.6	%	250.0	%	38.1	%	44.0	%	42.0	%
Average total Bancorp shareholders’ equity as a percent of average assets		11.50	%	11.34	%	10.11	%	10.02	%	9.82	%
Tangible common equity(a)		8.30	%	8.26	%	8.46	%	8.29	%	8.38	%
Net interest margin (FTE)(a)		3.36	%	3.30	%	3.13	%	3.13	%	3.12	%
Efficiency (FTE)(a)		64.3	%	84.5	%	55.8	%	54.9	%	56.2	%
Effective tax rate		22.7	%	20.1	%	19.8	%	22.6	%	22.2	%

Credit Quality
Net losses charged-off(h)		$135		$144		$125		$339		$139
Net losses charged-off as a percent of average portfolio loans and leases (annualized)		0.30	%	0.37	%	0.40	%	1.09	%	0.45	%
ALLL as a percent of portfolio loans and leases		1.63	%	1.66	%	1.84	%	1.84	%	1.97	%
ACL as a percent of portfolio loans and leases(f)		1.76	%	1.79	%	1.96	%	1.96	%	2.09	%
Nonperforming portfolio assets as a percent of portfolio loans and leases and OREO		0.60	%	0.57	%	0.65	%	0.65	%	0.72	%

Average Balances
Loans and leases, including held for sale		$178,707		$158,283		$124,147		$123,993		$123,657
Securities and other short-term investments		86,282		79,678		69,997		69,507		69,025
Assets		297,947		265,551		213,021		211,770		210,554
Transaction deposits(b)		216,113		194,904		155,895		151,669		150,881
Core deposits(c)		228,516		206,545		166,436		162,510		161,375
Wholesale funding(d)		25,912		21,551		18,853		21,821		22,423
Bancorp shareholders’ equity		34,260		30,108		21,527		21,216		20,670

Regulatory Capital Ratios(e)
CET1 capital		9.93	%	9.89	%	10.81	%	10.57	%	10.58	%
Tier 1 risk-based capital		10.81	%	10.79	%	11.87	%	11.63	%	11.85	%
Total risk-based capital		12.50	%	12.50	%	13.78	%	13.54	%	13.77	%
Leverage		9.20	%	10.22	%	9.41	%	9.24	%	9.42	%

Additional Metrics
Banking centers		1,500		1,489		1,130		1,102		1,089
ATMs		2,648		2,643		2,199		2,184		2,170
Full-time equivalent employees		25,196		25,980		18,676		18,476		18,690
Assets under care ($ in billions)(g)		$902		$865		$690		$681		$657
Assets under management ($ in billions)(g)		128		119		80		77		73

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

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

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

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

(e)Current period regulatory capital ratios are estimates.

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

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

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


Fifth Third Bancorp and Subsidiaries
Consolidated Statements of Income
$ in millions	For the Three Months Ended			% Change		Year to Date		% Change
(unaudited)	June	March	June			June	June
	2026	2026	2025	Seq	Yr/Yr	2026	2025	Yr/Yr
Interest Income
Interest and fees on loans and leases	$2,607	$2,293	$1,881	14%	39%	$4,900	$3,696	33%
Interest on securities	598	501	458	19%	31%	1,099	910	21%
Interest on other short-term investments	167	178	145	(6%)	15%	345	311	11%
Total interest income	3,372	2,972	2,484	13%	36%	6,344	4,917	29%

Interest Expense
Interest on deposits	891	813	732	10%	22%	1,705	1,476	16%
Interest on short-term borrowings	38	5	61	660%	(38%)	43	119	(64%)
Interest on long-term debt	228	220	196	4%	16%	447	390	15%
Total interest expense	1,157	1,038	989	11%	17%	2,195	1,985	11%

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

Provision for credit losses	129	227	173	(43%)	(25%)	356	347	3%
Net Interest Income After Provision for Credit Losses	2,086	1,707	1,322	22%	58%	3,793	2,585	47%

Noninterest Income
Wealth and asset management revenue	256	233	166	10%	54%	489	338	45%
Commercial payments revenue	254	218	152	17%	67%	472	305	55%
Consumer banking revenue	161	146	147	10%	10%	307	284	8%
Capital markets fees	154	134	90	15%	71%	287	179	60%
Commercial banking revenue	125	105	79	19%	58%	230	160	44%
Mortgage banking net revenue	39	44	56	(11%)	(30%)	83	113	(27%)
Other noninterest income	50	27	44	85%	14%	78	58	34%
Securities gains (losses), net	20	(12)	16	NM	25%	8	7	14%

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

Noninterest Expense
Compensation and benefits	1,129	1,410	698	(20%)	62%	2,539	1,447	75%
Technology and communications	250	204	126	23%	98%	453	250	81%
Net occupancy expense	154	140	83	10%	86%	295	171	73%
Card and processing expense	66	79	22	(16%)	200%	144	43	235%
Equipment expense	60	55	41	9%	46%	115	82	40%
Loan and lease expense	53	42	36	26%	47%	95	66	44%
Marketing expense	65	50	43	30%	51%	114	71	61%
Other noninterest expense	332	415	215	(20%)	54%	749	438	71%
Total noninterest expense	2,109	2,395	1,264	(12%)	67%	4,504	2,568	75%
Income Before Income Taxes	1,036	207	808	400%	28%	1,243	1,461	(15%)
Applicable income tax expense	235	42	180	460%	31%	277	319	(13%)
Net Income	801	165	628	385%	28%	966	1,142	(15%)
Dividends on preferred stock	38	37	37	3%	3%	75	73	3%
Net Income Available to Common Shareholders	$763	$128	$591	496%	29%	$891	$1,069	(17%)


Fifth Third Bancorp and Subsidiaries
Consolidated Statements of Income
$ in millions	For the Three Months Ended
(unaudited)	June	March	December	September	June
	2026	2026	2025	2025	2025
Interest Income
Interest and fees on loans and leases	$2,607	$2,293	$1,862	$1,909	$1,881
Interest on securities	598	501	431	444	458
Interest on other short-term investments	167	178	175	166	145
Total interest income	3,372	2,972	2,468	2,519	2,484

Interest Expense
Interest on deposits	891	813	726	750	732
Interest on short-term borrowings	38	5	34	61	61
Interest on long-term debt	228	220	179	188	196
Total interest expense	1,157	1,038	939	999	989

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

Provision for credit losses	129	227	119	197	173
Net Interest Income After Provision for Credit Losses	2,086	1,707	1,410	1,323	1,322

Noninterest Income
Wealth and asset management revenue	256	233	185	181	166
Commercial payments revenue	254	218	167	157	152
Consumer banking revenue	161	146	143	144	147
Capital markets fees	154	134	121	115	90
Commercial banking revenue	125	105	102	87	79
Mortgage banking net revenue	39	44	56	58	56
Other noninterest income	50	27	42	29	44
Securities gains (losses), net	20	(12)	(5)	10	16

Total noninterest income	1,059	895	811	781	750

Noninterest Expense
Compensation and benefits	1,129	1,410	683	685	698
Technology and communications	250	204	138	128	126
Net occupancy expense	154	140	89	89	83
Card and processing expense	66	79	27	22	22
Equipment expense	60	55	43	44	41
Loan and lease expense	53	42	41	39	36
Marketing expense	65	50	37	34	43
Other noninterest expense	332	415	251	226	215
Total noninterest expense	2,109	2,395	1,309	1,267	1,264
Income Before Income Taxes	1,036	207	912	837	808
Applicable income tax expense	235	42	181	188	180
Net Income	801	165	731	649	628
Dividends on preferred stock	38	37	32	41	37
Net Income Available to Common Shareholders	$763	$128	$699	$608	$591


Fifth Third Bancorp and Subsidiaries
Consolidated Balance Sheets
$ in millions, except per share data	As of			% Change
(unaudited)	June	March	June
	2026	2026	2025	Seq		Yr/Yr
Assets
Cash and due from banks	$4,374	$4,084	$2,972	7%		47%
Other short-term investments	19,350	17,456	13,043	11%		48%
Available-for-sale debt and other securities(a)	44,466	46,161	38,270	(4%)		16%
Held-to-maturity securities(b)	18,404	16,389	11,630	12%		58%
Trading debt securities	1,853	1,669	1,324	11%		40%
Equity securities	495	544	404	(9%)		23%
Loans and leases held for sale	866	1,365	646	(37%)		34%
Portfolio loans and leases:
Commercial and industrial loans	85,736	83,864	53,312	2%		61%
Commercial mortgage loans	27,196	27,143	12,112	—		125%
Commercial construction loans	8,459	8,329	5,551	2%		52%
Commercial leases	3,489	3,523	3,177	(1%)		10%
Total commercial loans and leases	124,880	122,859	74,152	2%		68%
Residential mortgage loans	19,713	19,507	17,681	1%		11%
Home equity	6,929	6,735	4,485	3%		54%
Indirect secured consumer loans	18,186	18,296	17,591	(1%)		3%
Credit card	1,683	1,658	1,707	2%		(1%)
Solar energy installation loans	4,314	4,465	4,316	(3%)		—
Other consumer loans	2,823	2,730	2,464	3%		15%
Total consumer loans	53,648	53,391	48,244	—		11%
Portfolio loans and leases	178,528	176,250	122,396	1%		46%
Allowance for loan and lease losses	(2,918)	(2,922)	(2,412)	—		21%
Portfolio loans and leases, net	175,610	173,328	119,984	1%		46%
Bank premises and equipment	3,343	3,283	2,560	2%		31%
Goodwill	9,990	9,966	4,918	—		103%
Intangible assets	1,253	1,233	75	2%		NM
Servicing rights	1,607	1,583	1,629	2%		(1%)
Other assets	18,511	19,978	12,536	(7%)		48%
Total Assets	$300,122	$297,039	$209,991	1%		43%

Liabilities
Deposits:
Demand	$63,928	$65,335	$42,174	(2%)		52%
Interest checking	70,527	72,425	55,524	(3%)		27%
Savings	18,161	18,610	16,614	(2%)		9%
Money market	65,932	62,345	36,586	6%		80%
CDs $250,000 or less	12,708	11,807	10,883	8%		17%
CDs over $250,000	2,885	3,099	2,426	(7%)		19%
Total deposits	234,141	233,621	164,207	—		43%
Short-term borrowings	4,633	1,289	3,571	259%		30%
Accrued taxes, interest and expenses	3,024	2,628	1,970	15%		54%
Other liabilities	6,265	6,642	4,627	(6%)		35%
Long-term debt	17,636	18,753	14,492	(6%)		22%
Total Liabilities	265,699	262,933	188,867	1%		41%
Equity
Common stock(c)	2,585	2,585	2,051	—		26%
Preferred stock	2,182	2,182	2,116	—		3%
Capital surplus	15,603	15,586	3,794	—		311%
Retained earnings	25,645	25,248	24,718	2%		4%
Accumulated other comprehensive loss	(3,345)	(3,234)	(3,546)	3%		(6%)
Treasury stock	(8,247)	(8,261)	(8,009)	—		3%
Total Equity	34,423	34,106	21,124	1%		63%
Total Liabilities and Equity	$300,122	$297,039	$209,991	1%		43%
(a) Amortized cost	$47,623	$49,238	$41,731	(3%)		14%
(b) Market values	18,259	16,341	11,547	12	%	58	%
(c) Common shares, stated value $2.22 per share (in thousands):
Authorized	2,000,000	2,000,000	2,000,000	—		—
Outstanding, excluding treasury	906,573	905,823	667,710	—		—
Treasury	257,666	258,416	256,183	—		—


Fifth Third Bancorp and Subsidiaries
Consolidated Balance Sheets
$ in millions, except per share data	As of
(unaudited)	June	March	December	September	June
	2026	2026	2025	2025	2025
Assets
Cash and due from banks	$4,374	$4,084	$3,499	$2,901	$2,972
Other short-term investments	19,350	17,456	18,876	17,215	13,043
Available-for-sale debt and other securities(a)	44,466	46,161	36,159	36,461	38,270
Held-to-maturity securities(b)	18,404	16,389	11,368	11,498	11,630
Trading debt securities	1,853	1,669	1,057	1,266	1,324
Equity securities	495	544	453	287	404
Loans and leases held for sale	866	1,365	733	576	646
Portfolio loans and leases:
Commercial and industrial loans	85,736	83,864	52,749	53,947	53,312
Commercial mortgage loans	27,196	27,143	12,228	11,932	12,112
Commercial construction loans	8,459	8,329	5,316	5,326	5,551
Commercial leases	3,489	3,523	3,269	3,218	3,177
Total commercial loans and leases	124,880	122,859	73,562	74,423	74,152
Residential mortgage loans	19,713	19,507	17,652	17,644	17,681
Home equity	6,929	6,735	4,846	4,678	4,485
Indirect secured consumer loans	18,186	18,296	17,964	17,885	17,591
Credit card	1,683	1,658	1,747	1,692	1,707
Solar energy installation loans	4,314	4,465	4,560	4,432	4,316
Other consumer loans	2,823	2,730	2,320	2,376	2,464
Total consumer loans	53,648	53,391	49,089	48,707	48,244
Portfolio loans and leases	178,528	176,250	122,651	123,130	122,396
Allowance for loan and lease losses	(2,918)	(2,922)	(2,253)	(2,265)	(2,412)
Portfolio loans and leases, net	175,610	173,328	120,398	120,865	119,984
Bank premises and equipment	3,343	3,283	2,734	2,655	2,560
Goodwill	9,990	9,966	4,947	4,947	4,918
Intangible assets	1,253	1,233	69	76	75
Servicing rights	1,607	1,583	1,598	1,601	1,629
Other assets	18,511	19,978	12,485	12,555	12,536
Total Assets	$300,122	$297,039	$214,376	$212,903	$209,991

Liabilities
Deposits:
Demand	$63,928	$65,335	$42,647	$41,830	$42,174
Interest checking	70,527	72,425	61,155	57,239	55,524
Savings	18,161	18,610	16,155	16,110	16,614
Money market	65,932	62,345	39,285	38,748	36,586
CDs $250,000 or less	12,708	11,807	10,599	10,667	10,883
CDs over $250,000	2,885	3,099	1,978	1,975	2,426
Total deposits	234,141	233,621	171,819	166,569	164,207
Short-term borrowings	4,633	1,289	926	5,260	3,571
Accrued taxes, interest and expenses	3,024	2,628	2,083	1,943	1,970
Other liabilities	6,265	6,642	4,235	4,347	4,627
Long-term debt	17,636	18,753	13,589	13,677	14,492
Total Liabilities	265,699	262,933	192,652	191,796	188,867
Equity
Common stock(c)	2,585	2,585	2,051	2,051	2,051
Preferred stock	2,182	2,182	1,770	1,770	2,116
Capital surplus	15,603	15,586	3,831	3,813	3,794
Retained earnings	25,645	25,248	25,488	25,057	24,718
Accumulated other comprehensive loss	(3,345)	(3,234)	(3,110)	(3,276)	(3,546)
Treasury stock	(8,247)	(8,261)	(8,306)	(8,308)	(8,009)
Total Equity	34,423	34,106	21,724	21,107	21,124
Total Liabilities and Equity	$300,122	$297,039	$214,376	$212,903	$209,991
(a) Amortized cost	$47,623	$49,238	$39,107	$39,617	$41,731
(b) Market values	18,259	16,341	11,404	11,506	11,547
(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	906,573	905,823	661,198	660,973	667,710
Treasury	257,666	258,416	262,695	262,919	256,183


Fifth Third Bancorp and Subsidiaries
Consolidated Statements of Changes in Equity
$ in millions
(unaudited)
			For the Three Months Ended		Year to Date
			June	June	June	June
			2026	2025	2026	2025
Total Equity, Beginning			$34,106	$20,403	$21,724	$19,645
Net income			801	628	966	1,142
Other comprehensive (loss) income, net of tax:
Change in unrealized (losses) gains:
		Available-for-sale debt securities	(62)	179	(162)	660
		Qualifying cash flow hedges	(74)	148	(120)	383
Amortization of unrealized losses on securities transferred to held-to-maturity			24	22	46	47
Change in accumulated other comprehensive income related to employee benefit plans			1	—	1	—

Comprehensive income			690	977	731	2,232
Cash dividends declared:
	Common stock		(366)	(250)	(734)	(501)
	Preferred stock		(38)	(37)	(75)	(73)
Impact of Comerica acquisition			—	—	12,676	—
Impact of stock transactions under stock compensation plans, net			32	31	102	47
Shares acquired for treasury			—	—	—	(226)
Other			(1)	—	(1)	—


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


Fifth Third Bancorp and Subsidiaries
Average Balance Sheets and Yield/Rate Analysis	For the Three Months Ended
$ in millions	June			March			June
(unaudited)	2026			2026			2025
	Average	Average		Average	Average		Average	Average
	Balance	Yield/Rate		Balance	Yield/Rate		Balance	Yield/Rate
Assets
Interest-earning assets:
Loans and leases:
Commercial and industrial loans(a)	$85,260	5.90	%	$73,302	5.89	%	$54,109	6.28	%
Commercial mortgage loans(a)	27,215	5.82	%	22,005	5.85	%	12,420	6.12	%
Commercial construction loans(a)	8,504	6.50	%	7,287	6.45	%	5,810	7.17	%
Commercial leases(a)	3,503	4.61	%	3,347	4.86	%	3,121	4.83	%
Total commercial loans and leases	124,482	5.89	%	105,941	5.89	%	75,460	6.26	%
Residential mortgage loans	20,362	4.16	%	19,414	4.18	%	18,156	3.98	%
Home equity	6,830	6.95	%	6,065	7.02	%	4,383	7.42	%
Indirect secured consumer loans	18,239	5.53	%	18,105	5.54	%	17,248	5.63	%
Credit card	1,646	13.69	%	1,659	13.94	%	1,659	14.33	%
Solar energy installation loans	4,384	7.93	%	4,516	8.17	%	4,268	8.10	%
Other consumer loans	2,764	8.66	%	2,583	8.77	%	2,483	9.09	%
Total consumer loans	54,225	5.80	%	52,342	5.86	%	48,197	5.87	%
Total loans and leases	178,707	5.86	%	158,283	5.88	%	123,657	6.11	%
Securities:
Taxable securities	66,532	3.55	%	58,587	3.41	%	54,896	3.29	%
Tax exempt securities(a)	1,392	3.25	%	1,363	3.26	%	1,347	3.19	%
Other short-term investments	18,358	3.64	%	19,728	3.67	%	12,782	4.56	%
Total interest-earning assets	264,989	5.11	%	237,961	5.07	%	192,682	5.18	%
Cash and due from banks	3,307			3,066			2,437
Other assets	32,573			27,210			17,819
Allowance for loan and lease losses	(2,922)			(2,686)			(2,384)
Total Assets	$297,947			$265,551			$210,554

Liabilities
Interest-bearing liabilities:
Interest checking deposits	$70,507	2.15	%	$67,369	2.19	%	$56,738	2.69	%
Savings deposits	18,430	0.35	%	17,546	0.35	%	16,962	0.48	%
Money market deposits	63,200	2.43	%	54,219	2.39	%	36,296	2.40	%
CDs $250,000 or less	12,403	2.94	%	11,641	3.14	%	10,494	3.52	%
Total interest-bearing core deposits	164,540	2.11	%	150,775	2.12	%	120,490	2.36	%
CDs over $250,000	2,990	3.25	%	2,807	3.41	%	2,200	4.07	%

Total interest-bearing deposits	167,530	2.13	%	153,582	2.15	%	122,690	2.39	%
Federal funds purchased	160	3.65	%	178	3.66	%	206	4.39	%
Securities sold under repurchase agreements	444	1.69	%	322	1.09	%	353	1.16	%
FHLB advances	3,437	3.88	%	99	4.10	%	4,976	4.59	%
Derivative collateral and other secured borrowings	64	7.25	%	83	7.49	%	89	5.61	%
Long-term debt	18,817	4.87	%	18,062	4.93	%	14,599	5.36	%
Total interest-bearing liabilities	190,452	2.44	%	172,326	2.44	%	142,913	2.78	%
Demand deposits	63,976			55,770			40,885
Other liabilities	9,259			7,347			6,086
Total Liabilities	263,687			235,443			189,884
Total Equity	34,260			30,108			20,670
Total Liabilities and Equity	$297,947			$265,551			$210,554
Ratios:
Net interest margin (FTE)(b)		3.36	%		3.30	%		3.12	%
Net interest rate spread (FTE)(b)		2.67	%		2.63	%		2.40	%
Interest-bearing liabilities to interest-earning assets		71.87	%		72.42	%		74.17	%
(a) Average Yield/Rate of these assets are presented on an FTE basis.
(b) Non-GAAP measure; see discussion and reconciliation of non-GAAP measures beginning on page 27.


Fifth Third Bancorp and Subsidiaries
Average Balance Sheets and Yield/Rate Analysis	Year to Date
$ in millions	June			June
(unaudited)	2026			2025
	Average	Average		Average	Average
	Balance	Yield/Rate		Balance	Yield/Rate
Assets
Interest-earning assets:
Loans and leases:
Commercial and industrial loans(a)	$79,315	5.90	%	$53,772	6.25	%
Commercial mortgage loans(a)	24,625	5.83	%	12,404	6.05	%
Commercial construction loans(a)	7,899	6.48	%	5,812	7.05	%
Commercial leases(a)	3,426	4.73	%	3,115	4.81	%
Total commercial loans and leases	115,265	5.89	%	75,103	6.22	%
Residential mortgage loans	19,891	4.17	%	18,068	3.97	%
Home equity	6,449	6.98	%	4,303	7.49	%
Indirect secured consumer loans	18,172	5.53	%	16,864	5.60	%
Credit card	1,652	13.82	%	1,643	14.54	%
Solar energy installation loans	4,449	8.05	%	4,245	8.06	%
Other consumer loans	2,674	8.71	%	2,490	9.23	%
Total consumer loans	53,287	5.83	%	47,613	5.87	%
Total loans and leases	168,552	5.87	%	122,716	6.08	%
Securities:
Taxable securities	62,581	3.49	%	55,050	3.27	%
Tax exempt securities(a)	1,378	3.25	%	1,370	3.19	%
Other short-term investments	19,039	3.65	%	13,609	4.60	%
Total interest-earning assets	251,550	5.09	%	192,745	5.15	%
Cash and due from banks	3,187			2,413
Other assets	29,906			17,766
Allowance for loan and lease losses	(2,804)			(2,368)
Total Assets	$281,839			$210,556

Liabilities
Interest-bearing liabilities:
Interest checking deposits	$68,946	2.17	%	$57,346	2.69	%
Savings deposits	17,990	0.35	%	17,094	0.51	%
Money market deposits	58,735	2.41	%	36,374	2.41	%
CDs $250,000 or less	12,024	3.04	%	10,438	3.53	%
Total interest-bearing core deposits	157,695	2.12	%	121,252	2.37	%
CDs over $250,000	2,899	3.32	%	2,273	4.26	%
Total interest-bearing deposits	160,594	2.14	%	123,525	2.41	%
Federal funds purchased	169	3.65	%	200	4.38	%
Securities sold under repurchase agreements	384	1.44	%	320	1.05	%
FHLB advances	1,777	3.89	%	4,872	4.60	%
Derivative collateral and other secured borrowings	73	7.38	%	86	6.02	%
Long-term debt	18,442	4.90	%	14,592	5.37	%
Total interest-bearing liabilities	181,439	2.44	%	143,595	2.79	%
Demand deposits	59,896			40,339
Other liabilities	8,309			6,285
Total Liabilities	249,644			190,219
Total Equity	32,195			20,337
Total Liabilities and Equity	$281,839			$210,556
Ratios:
Net interest margin (FTE)(b)		3.33	%		3.08	%
Net interest rate spread (FTE)(b)		2.65	%		2.36	%
Interest-bearing liabilities to interest-earning assets		72.13	%		74.50	%
(a) Average Yield/Rate of these assets are presented on an FTE basis.
(b) Non-GAAP measure; see discussion and reconciliation of non-GAAP measures beginning on page 27.


Fifth Third Bancorp and Subsidiaries
Summary of Loans and Leases
$ in millions	For the Three Months Ended
(unaudited)	June	March	December	September	June
	2026	2026	2025	2025	2025
Average Portfolio Loans and Leases
Commercial loans and leases:
Commercial and industrial loans	$84,967	$73,264	$53,947	$54,170	$54,075
Commercial mortgage loans	27,176	21,969	12,079	12,027	12,410
Commercial construction loans	8,437	7,278	5,399	5,541	5,810
Commercial leases	3,503	3,347	3,172	3,177	3,120
Total commercial loans and leases	124,083	105,858	74,597	74,915	75,415
Consumer loans:
Residential mortgage loans	19,626	18,848	17,660	17,656	17,615
Home equity	6,830	6,064	4,769	4,579	4,383
Indirect secured consumer loans	18,239	18,105	17,879	17,729	17,248
Credit card	1,646	1,659	1,694	1,678	1,659
Solar energy installation loans	4,384	4,516	4,486	4,355	4,268
Other consumer loans	2,764	2,582	2,345	2,414	2,483
Total consumer loans	53,489	51,774	48,833	48,411	47,656
Total average portfolio loans and leases	$177,572	$157,632	$123,430	$123,326	$123,071

Average Loans and Leases Held for Sale
Commercial loans and leases held for sale	$399	$85	$19	$44	$45
Consumer loans held for sale	736	566	698	623	541
Average loans and leases held for sale	$1,135	$651	$717	$667	$586

End of Period Portfolio Loans and Leases
Commercial loans and leases:
Commercial and industrial loans	$85,736	$83,864	$52,749	$53,947	$53,312
Commercial mortgage loans	27,196	27,143	12,228	11,932	12,112
Commercial construction loans	8,459	8,329	5,316	5,326	5,551
Commercial leases	3,489	3,523	3,269	3,218	3,177
Total commercial loans and leases	124,880	122,859	73,562	74,423	74,152
Consumer loans:
Residential mortgage loans	19,713	19,507	17,652	17,644	17,681
Home equity	6,929	6,735	4,846	4,678	4,485
Indirect secured consumer loans	18,186	18,296	17,964	17,885	17,591
Credit card	1,683	1,658	1,747	1,692	1,707
Solar energy installation loans	4,314	4,465	4,560	4,432	4,316
Other consumer loans	2,823	2,730	2,320	2,376	2,464
Total consumer loans	53,648	53,391	49,089	48,707	48,244
Total portfolio loans and leases	$178,528	$176,250	$122,651	$123,130	$122,396

End of Period Loans and Leases Held for Sale
Commercial loans and leases held for sale	$171	$651	$75	$8	$74
Consumer loans held for sale	695	714	658	568	572
Loans and leases held for sale	$866	$1,365	$733	$576	$646

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

Loans and Leases Serviced for Others(a)
Commercial and industrial loans	$1,838	$1,801	$1,290	$1,206	$1,166
Commercial mortgage loans	2,193	518	501	558	601
Commercial construction loans	292	318	291	304	333
Commercial leases	817	821	853	764	757
Residential mortgage loans	85,907	86,733	87,827	89,639	91,201
Solar energy installation loans	643	665	686	692	557
Other consumer loans	81	86	92	98	105
Total loans and leases serviced for others	91,771	90,942	91,540	93,261	94,720
Total loans and leases owned or serviced	$271,582	$268,973	$215,298	$217,346	$218,106

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


Fifth Third Bancorp and Subsidiaries
Regulatory Capital
$ in millions		As of
(unaudited)		June		March		December		September		June
		2026(a)		2026		2025		2025		2025
Regulatory Capital
CET1 capital		$24,508		$24,136		$18,099		$17,645		$17,616
Additional tier 1 capital		2,182		2,182		1,770		1,770		2,116
Tier 1 capital		26,690		26,318		19,869		19,415		19,732
Tier 2 capital		4,164		4,179		3,197		3,204		3,197
Total regulatory capital		$30,854		$30,497		$23,066		$22,619		$22,929
Risk-weighted assets		$246,855		$243,964		$167,431		$166,999		$166,517

Ratios
Average total Bancorp shareholders' equity as a percent of average assets		11.50	%	11.34	%	10.11	%	10.02	%	9.82	%

Regulatory Capital Ratios
Fifth Third Bancorp
	CET1 capital	9.93	%	9.89	%	10.81	%	10.57	%	10.58	%
	Tier 1 risk-based capital	10.81	%	10.79	%	11.87	%	11.63	%	11.85	%
	Total risk-based capital	12.50	%	12.50	%	13.78	%	13.54	%	13.77	%
	Leverage	9.20	%	10.22	%	9.41	%	9.24	%	9.42	%

Fifth Third Bank, National Association
	Tier 1 risk-based capital	11.69	%	11.73	%	13.09	%	12.95	%	12.87	%
	Total risk-based capital	12.94	%	13.00	%	14.33	%	14.19	%	14.12	%
	Leverage	9.99	%	11.16	%	10.41	%	10.31	%	10.25	%

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


Fifth Third Bancorp and Subsidiaries
Summary of Credit Loss Experience
$ in millions	For the Three Months Ended
(unaudited)	June		March		December		September		June
	2026		2026		2025		2025		2025
Average portfolio loans and leases:
Commercial and industrial loans	$84,967		$73,264		$53,947		$54,170		$54,075
Commercial mortgage loans	27,176		21,969		12,079		12,027		12,410
Commercial construction loans	8,437		7,278		5,399		5,541		5,810
Commercial leases	3,503		3,347		3,172		3,177		3,120
Total commercial loans and leases	124,083		105,858		74,597		74,915		75,415
Residential mortgage loans	19,626		18,848		17,660		17,656		17,615
Home equity	6,830		6,064		4,769		4,579		4,383
Indirect secured consumer loans	18,239		18,105		17,879		17,729		17,248
Credit card	1,646		1,659		1,694		1,678		1,659
Solar energy installation loans	4,384		4,516		4,486		4,355		4,268
Other consumer loans	2,764		2,582		2,345		2,414		2,483
Total consumer loans	53,489		51,774		48,833		48,411		47,656
Total average portfolio loans and leases	$177,572		$157,632		$123,430		$123,326		$123,071

Losses charged-off:
Commercial and industrial loans	($73)		($77)		($61)		($280)		($84)
Commercial mortgage loans	—		—		(7)		(2)		(4)
Commercial construction loans	—		—		—		—		—
Commercial leases	—		—		(1)		—		(2)
Total commercial loans and leases	(73)		(77)		(69)		(282)		(90)
Residential mortgage loans	(1)		—		—		—		—
Home equity	(1)		(2)		(2)		(1)		(2)
Indirect secured consumer loans	(36)		(40)		(41)		(34)		(33)
Credit card	(20)		(19)		(20)		(20)		(20)
Solar energy installation loans	(29)		(26)		(22)		(20)		(23)
Other consumer loans	(21)		(23)		(23)		(25)		(26)
Total consumer loans	(108)		(110)		(108)		(100)		(104)
Total losses charged-off	($181)		($187)		($177)		($382)		($194)

Recoveries of losses previously charged-off:
Commercial and industrial loans	$8		$8		$17		$6		$15
Commercial mortgage loans	—		—		1		1		1
Commercial construction loans	1		—		—		—		—
Commercial leases	—		—		—		—		3
Total commercial loans and leases	9		8		18		7		19
Residential mortgage loans	1		—		1		1		1
Home equity	1		2		1		2		2
Indirect secured consumer loans	18		16		14		16		17
Credit card	5		5		5		4		5
Solar energy installation loans	4		3		5		4		3
Other consumer loans	8		9		8		9		8
Total consumer loans	37		35		34		36		36
Total recoveries of losses previously charged-off	$46		$43		$52		$43		$55

Net losses charged-off:
Commercial and industrial loans	($65)		($69)		($44)		($274)		($69)
Commercial mortgage loans	—		—		(6)		(1)		(3)
Commercial construction loans	1		—		—		—		—
Commercial leases	—		—		(1)		—		1
Total commercial loans and leases	(64)		(69)		(51)		(275)		(71)
Residential mortgage loans	—		—		1		1		1
Home equity	—		—		(1)		1		—
Indirect secured consumer loans	(18)		(24)		(27)		(18)		(16)
Credit card	(15)		(14)		(15)		(16)		(15)
Solar energy installation loans	(25)		(23)		(17)		(16)		(20)
Other consumer loans	(13)		(14)		(15)		(16)		(18)
Total consumer loans	(71)		(75)		(74)		(64)		(68)
Total net losses charged-off(a)	($135)		($144)		($125)		($339)		($139)

Net losses charged-off as a percent of average portfolio loans and leases (annualized):
Commercial and industrial loans	0.31	%	0.38	%	0.32	%	2.01	%	0.51	%
Commercial mortgage loans	(0.01	%)	—		0.21	%	0.04	%	0.11	%
Commercial construction loans	(0.02	%)	(0.02	%)	—		—		—
Commercial leases	(0.01	%)	—		0.16	%	(0.04	%)	(0.10	%)
Total commercial loans and leases	0.21	%	0.26	%	0.27	%	1.46	%	0.38	%
Residential mortgage loans	—		(0.01	%)	(0.01	%)	(0.02	%)	(0.01	%)
Home equity	(0.02	%)	0.01	%	0.06	%	(0.05	%)	0.02	%
Indirect secured consumer loans	0.40	%	0.54	%	0.59	%	0.40	%	0.37	%
Credit card	3.60	%	3.51	%	3.62	%	3.70	%	3.74	%
Solar energy installation loans	2.25	%	2.03	%	1.45	%	1.47	%	1.86	%
Other consumer loans	1.95	%	2.19	%	2.46	%	2.51	%	2.49	%
Total consumer loans	0.53	%	0.58	%	0.59	%	0.52	%	0.56	%
Total net losses charged-off as a percent of average portfolio loans and leases (annualized)	0.30	%	0.37	%	0.40	%	1.09	%	0.45	%

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


Fifth Third Bancorp and Subsidiaries
Asset Quality
$ in millions	For the Three Months Ended
(unaudited)	June		March		December		September		June
	2026		2026		2025		2025		2025
Allowance for Credit Losses
Allowance for loan and lease losses, beginning	$2,922		$2,253		$2,265		$2,412		$2,384
Total net losses charged-off(d)	(135)		(144)		(125)		(339)		(139)
Provision for loan and lease losses	131		152		113		192		167
Allowance on PCD loans and leases at acquisition	(1)		180		—		—		—
Allowance on PSLs at acquisition	1		481		—		—		—
Allowance for loan and lease losses, ending	$2,918		$2,922		$2,253		$2,265		$2,412

Reserve for unfunded commitments, beginning	$232		$157		$151		$146		$140
(Benefit from) provision for the reserve for unfunded commitments	(2)		75		6		5		6
Reserve for unfunded commitments, ending	$230		$232		$157		$151		$146

Components of allowance for credit losses:
Allowance for loan and lease losses	$2,918		$2,922		$2,253		$2,265		$2,412
Reserve for unfunded commitments	230		232		157		151		146
Total allowance for credit losses	$3,148		$3,154		$2,410		$2,416		$2,558

	As of
	June		March		December		September		June
	2026		2026		2025		2025		2025
Nonperforming Assets and Delinquent Loans
Nonaccrual portfolio loans and leases:
Commercial and industrial loans	$455		$417		$393		$393		$460
Commercial mortgage loans	94		94		34		42		48
Commercial construction loans	62		62		—		—		—
Commercial leases	4		—		—		—		—
Residential mortgage loans	176		164		149		142		143
Home equity	131		104		71		72		75
Indirect secured consumer loans	62		58		61		61		65
Credit card	29		30		29		29		29
Solar energy installation loans	23		26		22		22		26
Other consumer loans	5		5		8		7		7
Total nonaccrual portfolio loans and leases	1,041		960		767		768		853
Repossessed property	10		11		11		12		8
OREO	24		28		19		21		25
Total nonperforming portfolio loans and leases and OREO	1,075		999		797		801		886
Nonaccrual loans held for sale	167		141		70		4		27
Total nonperforming assets	$1,242		$1,140		$867		$805		$913

Loans and leases 90 days past due (accrual):
Commercial and industrial loans	$4		$3		$2		$2		$5
Commercial mortgage loans	1		19		—		—		3
Commercial construction loans	—		2		1		—		—
Commercial leases	—		1		—		—		—
Total commercial loans and leases	5		25		3		2		8
Residential mortgage loans(c)	11		7		10		11		8


Credit card	16		17		17		16		18

Other consumer loans	1		—		—		—		—
Total consumer loans	28		24		27		27		26
Total loans and leases 90 days past due (accrual)(b)	$33		$49		$30		$29		$34
Ratios
Net losses charged-off as a percent of average portfolio loans and leases (annualized)	0.30	%	0.37	%	0.40	%	1.09	%	0.45	%
Allowance for credit losses:
As a percent of portfolio loans and leases	1.76	%	1.79	%	1.96	%	1.96	%	2.09	%
As a percent of nonperforming portfolio loans and leases(a)	303	%	328	%	314	%	314	%	300	%
As a percent of nonperforming portfolio assets(a)	293	%	316	%	302	%	302	%	289	%
Nonperforming portfolio loans and leases as a percent of portfolio loans and leases(a)	0.58	%	0.54	%	0.62	%	0.62	%	0.70	%
Nonperforming portfolio assets as a percent of portfolio loans and leases and OREO(a)	0.60	%	0.57	%	0.65	%	0.65	%	0.72	%
Nonperforming assets as a percent of total loans and leases, OREO, and repossessed property	0.69	%	0.64	%	0.70	%	0.65	%	0.74	%
(a) Excludes nonaccrual loans held for sale.
(b) Excludes loans held for sale.
(c) Excludes government guaranteed residential mortgage loans.
(d) Excludes net charge-offs of $111 million which were taken immediately at the time of acquisition.

Use of Non-GAAP Financial Measures

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

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

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

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

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

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

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

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


Fifth Third Bancorp and Subsidiaries
Non-GAAP Reconciliation
$ and shares in millions		As of and For the Three Months Ended
(unaudited)		June		March		December		September		June
		2026		2026		2025		2025		2025
Net interest income		$2,215		$1,934		$1,529		$1,520		$1,495
Add: Taxable equivalent adjustment		5		5		4		5		5
Net interest income (FTE) (a)		2,220		1,939		1,533		1,525		1,500

Net interest income (annualized) (b)		8,884		7,843		6,066		6,030		5,996
Net interest income (FTE) (annualized) (c)		8,904		7,864		6,082		6,050		6,016

Interest income		3,372		2,972		2,468		2,519		2,484
Add: Taxable equivalent adjustment		5		5		4		5		5
Interest income (FTE)		3,377		2,977		2,472		2,524		2,489
Interest income (FTE) (annualized) (d)		13,545		12,073		9,807		10,014		9,983

Interest expense (annualized) (e)		4,641		4,210		3,725		3,963		3,967
Average interest-earning assets (f)		264,989		237,961		194,144		193,500		192,682
Average interest-bearing liabilities (g)		190,452		172,326		143,518		143,096		142,913

Net interest margin (b) / (f)		3.35	%	3.30	%	3.12	%	3.12	%	3.11	%
Net interest margin (FTE) (c) / (f)		3.36	%	3.30	%	3.13	%	3.13	%	3.12	%
Net interest rate spread (FTE) (d) / (f) - (e) / (g)		2.67	%	2.63	%	2.45	%	2.41	%	2.40	%

Income before income taxes		$1,036		$207		$912		$837		$808
Add: Taxable equivalent adjustment		5		5		4		5		5
Income before income taxes (FTE)		1,041		212		916		842		813

Net income available to common shareholders		763		128		699		608		591
Add: Intangible amortization, net of tax		48		34		5		5		5
Tangible net income available to common shareholders (h)		811		162		704		613		596
Tangible net income available to common shareholders (annualized) (i)		3,253		657		2,793		2,432		2,391

Average Bancorp shareholders’ equity		34,260		30,108		21,527		21,216		20,670
Less:	Average preferred stock	(2,182)		(2,040)		(1,770)		(2,112)		(2,116)
	Average goodwill	(9,973)		(8,686)		(4,947)		(4,937)		(4,918)
	Average intangible assets	(1,257)		(841)		(72)		(77)		(79)
Average tangible common equity, including AOCI (j)		20,848		18,541		14,738		14,090		13,557
Less:	Average AOCI	3,377		3,080		3,137		3,520		3,935
Average tangible common equity, excluding AOCI (k)		24,225		21,621		17,875		17,610		17,492

Total Bancorp shareholders’ equity		34,423		34,106		21,724		21,107		21,124
Less:	Preferred stock	(2,182)		(2,182)		(1,770)		(1,770)		(2,116)
	Goodwill	(9,990)		(9,966)		(4,947)		(4,947)		(4,918)
	Intangible assets	(1,253)		(1,233)		(69)		(76)		(75)
Tangible common equity, including AOCI (l)		20,998		20,725		14,938		14,314		14,015
Less:	AOCI	3,345		3,234		3,110		3,276		3,546
Tangible common equity, excluding AOCI (m)		24,343		23,959		18,048		17,590		17,561
Add:	Preferred stock	2,182		2,182		1,770		1,770		2,116
Tangible equity (n)		26,525		26,141		19,818		19,360		19,677

Total assets		300,122		297,039		214,376		212,903		209,991
Less:	Goodwill	(9,990)		(9,966)		(4,947)		(4,947)		(4,918)
	Intangible assets	(1,253)		(1,233)		(69)		(76)		(75)
Tangible assets, including AOCI (o)		288,879		285,840		209,360		207,880		204,998
Less:	AOCI, before tax	4,401		4,255		4,092		4,311		4,666
Tangible assets, excluding AOCI (p)		$293,280		$290,095		$213,452		$212,191		$209,664

Common shares outstanding (q)		907		906		661		661		668

Tangible equity (n) / (p)		9.04	%	9.01	%	9.28	%	9.12	%	9.39	%
Tangible common equity (excluding AOCI) (m) / (p)		8.30	%	8.26	%	8.46	%	8.29	%	8.38	%
Tangible common equity (including AOCI) (l) / (o)		7.27	%	7.25	%	7.14	%	6.89	%	6.84	%
Tangible book value per share (including AOCI) (l) / (q)		$23.15		$22.88		$22.60		$21.66		$20.98
Tangible book value per share (excluding AOCI) (m) / (q)		$26.84		$26.44		$27.30		$26.61		$26.29


Fifth Third Bancorp and Subsidiaries
Non-GAAP Reconciliation
$ in millions		For the Three Months Ended
(unaudited)		June		March		June
		2026		2026		2025
Net income (r)		$801		$165		$628
Net income (annualized) (s)		3,213		669		2,519

Adjustments (pre-tax items)
	Merger-related charges	203		657		—
	Non-qualified deferred compensation expense/(benefit)	30		(9)		16
	Securities repositioning losses	10		—		—
	Technology-related asset impairments	7		—		—
	Severance expense	7		—		15
	Interchange litigation matters	2		(8)		1
	Merger-related Day 1 ACL build	—		83		—



	Other securities (gains)/losses, net	(30)		12		(16)
Adjustments, pre-tax		229		735		16
	Applicable income tax expense on adjustments	54		166		4
Adjustments, after-tax (t)(a)(b)		175		569		12











Noninterest income (u)		1,059		895		750
	Securities repositioning losses	10		—		—
	Interchange litigation matters	1		(8)		1
	Merger-related charges	—		22		—

Noninterest income excluding certain item(s)		1,070		909		751
	Other securities (gains)/losses, net	(30)		12		(16)
Adjusted noninterest income, excluding certain items and securities losses (v)		1,040		921		735

Noninterest expense (w)		2,109		2,395		1,264
	Merger-related charges	(203)		(635)		—
	Technology-related asset impairments	(7)		—		—
	Severance expense	(7)		—		(15)
	Interchange litigation matters	(1)		—		—



Noninterest expense excluding certain item(s)		1,891		1,760		1,249
	Non-qualified deferred compensation (expense)/benefit	(30)		9		(16)
Adjusted noninterest expense, excluding certain items and non-qualified deferred compensation (x)		1,861		1,769		1,233

Adjusted net income (r) + (t)		976		734		640
Adjusted net income (annualized) (y)		3,915		2,977		2,567

Adjusted tangible net income available to common shareholders (h) + (t)		986		731		608
Adjusted tangible net income available to common shareholders (annualized) (z)		3,955		2,965		2,439

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

Return on average tangible common equity (i) / (j)		15.6	%	3.5	%	17.6	%
Return on average tangible common equity excluding AOCI (i) / (k)		13.4	%	3.0	%	13.7	%
Adjusted return on average tangible common equity, including AOCI (z) / (j)		19.0	%	16.0	%	18.0	%
Adjusted return on average tangible common equity, excluding AOCI (z) / (k)		16.3	%	13.7	%	13.9	%

Return on average assets (s) / (aa)		1.08	%	0.25	%	1.20	%
Adjusted return on average assets (y) / (aa)		1.31	%	1.12	%	1.22	%
Efficiency ratio (FTE) (w) / [(a) + (u)]		64.3	%	84.5	%	56.2	%
Adjusted efficiency ratio (x) / [(a) + (v)]		57.1	%	61.9	%	55.2	%


Total revenue (FTE) (a) + (u)		$3,279		$2,834		$2,250
Adjusted total revenue (FTE) (a) + (v)		$3,260		$2,860		$2,235
Pre-provision net revenue (PPNR) (a) + (u) - (w)		$1,170		$439		$986
Adjusted pre-provision net revenue (PPNR) (a) + (v) - (x)		$1,399		$1,091		$1,002
Totals may not foot due to rounding.
(a) Assumes a 24% tax rate.
(b) A portion of the adjustments related to merger-related expenses are not tax-deductible.


Fifth Third Bancorp and Subsidiaries
Segment Presentation
$ in millions
(unaudited)

For the three months ended June 30, 2026	Commercial Banking	Consumer and Small Business Banking	Wealth and Asset Management	General Corporate and Other	Total

Net interest income (FTE)(a)	$1,115	$1,237	$113	$(245)	$2,220
(Provision for) benefit from credit losses	(25)	(82)	4	(26)	(129)
Net interest income after (provision for) benefit from credit losses	1,090	1,155	117	(271)	2,091
Noninterest income	507	321	186	45	1,059
Noninterest expense	(757)	(860)	(185)	(307)	(2,109)
Income (loss) before income taxes (FTE)(a)	$840	$616	$118	$(533)	$1,041



For the three months ended March 31, 2026	Commercial Banking	Consumer and Small Business Banking	Wealth and Asset Management	General Corporate and Other	Total

Net interest income (FTE)(a)	$878	$1,073	$83	$(95)	$1,939
(Provision for) benefit from credit losses	(158)	(89)	—	20	(227)
Net interest income after (provision for) benefit from credit losses	720	984	83	(75)	1,712
Noninterest income	441	298	164	(8)	895
Noninterest expense	(734)	(810)	(183)	(668)	(2,395)
Income (loss) before income taxes (FTE)(a)	$427	$472	$64	$(751)	$212



For the three months ended December 31, 2025	Commercial Banking	Consumer and Small Business Banking	Wealth and Asset Management	General Corporate and Other	Total

Net interest income (FTE)(a)	$581	$1,026	$52	$(126)	$1,533
(Provision for) benefit from credit losses	(46)	(84)	—	11	(119)
Net interest income after (provision for) benefit from credit losses	535	942	52	(115)	1,414
Noninterest income	386	311	111	3	811
Noninterest expense	(476)	(645)	(97)	(91)	(1,309)
Income (loss) before income taxes (FTE)(a)	$445	$608	$66	$(203)	$916



For the three months ended September 30, 2025	Commercial Banking	Consumer and Small Business Banking	Wealth and Asset Management	General Corporate and Other	Total

Net interest income (FTE)(a)	$594	$1,082	$55	$(206)	$1,525
(Provision for) benefit from credit losses	(246)	(73)	—	122	(197)
Net interest income after (provision for) benefit from credit losses	348	1,009	55	(84)	1,328
Noninterest income	357	309	109	6	781
Noninterest expense	(454)	(653)	(93)	(67)	(1,267)
Income (loss) before income taxes (FTE)(a)	$251	$665	$71	$(145)	$842



For the three months ended June 30, 2025	Commercial Banking	Consumer and Small Business Banking	Wealth and Asset Management	General Corporate and Other	Total

Net interest income (FTE)(a)	$595	$1,085	$57	$(237)	$1,500
(Provision for) benefit from credit losses	(79)	(84)	2	(12)	(173)
Net interest income after (provision for) benefit from credit losses	516	1,001	59	(249)	1,327
Noninterest income	321	293	101	35	750
Noninterest expense	(453)	(646)	(95)	(70)	(1,264)
Income (loss) before income taxes (FTE)(a)	$384	$648	$65	$(284)	$813


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

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

© Fifth Third Bancorp | All Rights Reserved This presentation contains statements that we believe are “forward-looking statements” within the meaning of Section 27A of the Securities Act of 1933, as amended, and Rule 175 promulgated thereunder, and Section 21E of the Securities Exchange Act of 1934, as amended, and Rule 3b-6 promulgated thereunder. All statements other than statements of historical fact are forward-looking statements. These statements relate to our financial condition, results of operations, plans, objectives, future performance, capital actions or business. They usually can be identified by the use of forward-looking language such as “will likely result,” “may,” “are expected to,” “is anticipated,” “potential,” “estimate,” “forecast,” “projected,” “intends to,” or may include other similar words or phrases such as “believes,” “plans,” “trend,” “objective,” “continue,” “remain,” or similar expressions, or future or conditional verbs such as “will,” “would,” “should,” “could,” “might,” “can,” or similar verbs. You should not place undue reliance on these statements, as they are subject to risks and uncertainties, including but not limited to the risk factors set forth in our most recent Annual Report on Form 10-K as updated by our filings with the U.S. Securities and Exchange Commission (“SEC”). There are a number of important factors that could cause future results to differ materially from historical performance and these forward-looking statements. Factors that might cause such a difference include, but are not limited to: (1) deteriorating credit quality; (2) loan concentration by location or industry of borrowers or collateral; (3) any instability or disruption in the financial system, including those caused by actual or perceived issues affecting the soundness of other financial institutions or market participants; (4) inadequate sources of funding or liquidity; (5) unfavorable actions of rating agencies; (6) inability to maintain or grow deposits; (7) limitations on the ability to receive dividends from subsidiaries; (8) cyber-security risks; (9) Fifth Third’s ability to secure confidential information and deliver products and services through the use of computer systems and telecommunications networks; (10) failures by third-party service providers; (11) inability to manage strategic initiatives and/or organizational changes; (12) inability to implement technology system enhancements, including the use of artificial intelligence; (13) failure of internal controls and other risk management programs; (14) losses related to fraud, theft, misappropriation or violence; (15) inability to attract and retain skilled personnel; (16) adverse impacts of government regulation; (17) governmental or regulatory changes or other actions; (18) failures to meet applicable capital requirements; (19) regulatory objections to Fifth Third’s capital plan; (20) regulation of Fifth Third’s derivatives activities; (21) deposit insurance premiums; (22) assessments for the orderly liquidation fund; (23) weakness in the national or local economies; (24) global political and economic uncertainty or negative actions; (25) changes in interest rates and the effects of inflation; (26) changes in U.S. trade policies, including the imposition of tariffs and retaliatory tariffs; (27) changes and trends in capital markets; (28) fluctuation of Fifth Third’s stock price; (29) volatility in mortgage banking revenue; (30) litigation, investigations, and enforcement proceedings; (31) breaches of contractual covenants, representations and warranties; (32) competition and changes in the financial services industry; (33) potential impacts of the adoption of real-time payment networks; (34) changing retail distribution strategies, customer preferences and behavior; (35) difficulties in identifying, acquiring or integrating suitable strategic partnerships, investments or acquisitions; (36) potential dilution from future acquisitions; (37) loss of income and/or difficulties encountered in the sale and separation of businesses, investments or other assets; (38) results of investments or acquired entities; (39) changes in accounting standards or interpretation or declines in the value of Fifth Third’s goodwill or other intangible assets; (40) inaccuracies or other failures from the use of models; (41) effects of critical accounting policies and judgments or the use of inaccurate estimates; (42) weather- related events, other natural disasters, or health emergencies (including pandemics); (43) the impact of reputational risk created by these or other developments on such matters as business generation and retention, funding and liquidity; (44) changes in law or requirements imposed by Fifth Third’s regulators impacting our capital actions, including dividend payments and stock repurchases; (45) Fifth Third's ability to meet its environmental and/or social targets, goals and commitments; and (46) risks relating to the merger with Comerica Incorporated, including Fifth Third’s inability to realize the anticipated benefits of the merger and potential disruption to Fifth Third’s business resulting from post-merger integration. You should refer to our periodic and current reports filed with the Securities and Exchange Commission, or “SEC,” for further information on other factors, which could cause actual results to be significantly different from those expressed or implied by these forward-looking statements. Moreover, you should treat these statements as speaking only as of the date they are made and based only on information then actually known to us. We expressly disclaim any obligation or undertaking to release publicly any updates or revisions to any forward-looking statements contained herein to reflect any change in our expectations or any changes in events, conditions or circumstances on which any such statement is based, except as may be required by law, and we claim the protection of the safe harbor for forward-looking statements contained in the Private Securities Litigation Reform Act of 1995. The information contained herein is intended to be reviewed in its totality, and any stipulations, conditions or provisos that apply to a given piece of information in one part of this press release should be read as applying mutatis mutandis to every other instance of such information appearing herein. Annualized, pro forma, projected and estimated numbers are used for illustrative purpose only, are not forecasts and may not reflect actual results. In this presentation, we may sometimes provide non-GAAP financial information. Please note that although non-GAAP financial measures provide useful insight to analysts, investors and regulators, they should not be considered in isolation or relied upon as a substitute for analysis using GAAP measures. We provide a discussion of non-GAAP measures and reconciliations to the most directly comparable GAAP measures in later slides in this presentation, as well as on pages 27 through 29 of our 2Q26 earnings release. Management does not provide a reconciliation for forward-looking non-GAAP financial measures where it is unable to provide a meaningful or accurate calculation or estimation of reconciling items and the information is not available without unreasonable effort. This is due to the inherent difficulty of forecasting the occurrence and the financial impact of various items that have not yet occurred, are out of the Bancorp's control or cannot be reasonably predicted. For the same reasons, Bancorp's management is unable to address the probable significance of the unavailable information. Forward-looking non-GAAP financial measures provided without the most directly comparable GAAP financial measures may vary materially from the corresponding GAAP financial measures. Cautionary statement 2

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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