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Fifth Third Bancorp

FITB · Financials

Last earnings Oct 19, 2026

Key results

Revenuequarter

35%

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

SEC original ↗Fifth Third Bancorp — Earnings release (8-K exhibit)EX-99Jul 17, 2026

Data net incomequarter

7%

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

SEC original ↗Fifth Third Bancorp — Earnings release (8-K exhibit)EX-99Jul 17, 2026

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.

SEC original ↗Fifth Third Bancorp — Earnings release (8-K exhibit)EX-99Jul 17, 2026

Commercial payments revenue of $254 million reflected continued strength in core treasury services and Newline.

SEC original ↗Fifth Third Bancorp — Earnings release (8-K exhibit)EX-99Jul 17, 2026

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.

SEC original ↗Fifth Third Bancorp — Earnings release (8-K exhibit)EX-99Jul 17, 2026

AI analysis

Q2 2026 · reported Jul 17, 2026

Based on: Earnings release + Q2 2026 deck + parent 8-K — transcript not held

Headline figures

MetricQ2 2026Prior qtrYear ago
Revenue35%——
Data net income7%——

EX-99 · Jul 17, 2026

Guidance · company-stated

No guidance located in the held release

Next earningsNo verified date on fileNo date is estimated or imported

Capital allocation

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.

There was no share repurchase activity in the first half of 2026.

General educational research only — not investment advice.Every figure is as stated in the held documents; values marked “computed from stated figures” are arithmetic on those stated figures. Guidance shown is the company’s own stated guidance. No price targets, no recommendations, no consensus estimates.

Event summary

Fifth Third Bancorp Q2 2026 — 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 in…

Based on: Earnings release + Q2 2026 deck + parent 8-K — transcript not held

Guidance & outlook

No guidance located in the held release

Capital allocation

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.

SEC original ↗Fifth Third Bancorp — Earnings release (8-K exhibit)EX-99Jul 17, 2026

There was no share repurchase activity in the first half of 2026.

SEC original ↗Fifth Third Bancorp — Earnings release (8-K exhibit)EX-99Jul 17, 2026

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

SEC original ↗Fifth Third Bancorp — Earnings release (8-K exhibit)EX-99Jul 17, 2026

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.

SEC original ↗Fifth Third Bancorp — Presentation / slide deck (8-K exhibit)EX-99Jul 17, 2026

& 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.

SEC original ↗Fifth Third Bancorp — Presentation / slide deck (8-K exhibit)EX-99Jul 17, 2026

Fifth Third had $5BN SOFR receive-fix swaps outstanding against long-term debt, which are being included in floating long-term debt.

SEC original ↗Fifth Third Bancorp — Presentation / slide deck (8-K exhibit)EX-99Jul 17, 2026

Strategy & priorities

Our balance sheet is well-positioned, supporting net interest margin expansion and improved credit performance.

SEC original ↗Fifth Third Bancorp — Earnings release (8-K exhibit)EX-99Jul 17, 2026

We will continue to be guided by our operating priorities of stability, profitability, and growth in that order.

SEC original ↗Fifth Third Bancorp — Earnings release (8-K exhibit)EX-99Jul 17, 2026

This mix shift is consistent with the strategy to increase granular consumer deposits.

SEC original ↗Fifth Third Bancorp — Earnings release (8-K exhibit)EX-99Jul 17, 2026

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.

SEC original ↗Fifth Third Bancorp — Presentation / slide deck (8-K exhibit)EX-99Jul 17, 2026

Risks & headwinds

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.

SEC original ↗Fifth Third Bancorp — Earnings release (8-K exhibit)EX-99Jul 17, 2026

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.

SEC original ↗Fifth Third Bancorp — Earnings release (8-K exhibit)EX-99Jul 17, 2026

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.

SEC original ↗Fifth Third Bancorp — Earnings release (8-K exhibit)EX-99Jul 17, 2026

Documents

Earnings deck slides

0 decks with slide view

Fifth Third Bancorp — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Fifth Third Bancorp — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Fifth Third Bancorp — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Fifth Third Bancorp — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Fifth Third Bancorp — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Fifth Third Bancorp — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Fifth Third Bancorp — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Fifth Third Bancorp — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Fifth Third Bancorp — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Fifth Third Bancorp — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Fifth Third Bancorp — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Fifth Third Bancorp — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Fifth Third Bancorp — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Fifth Third Bancorp — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Fifth Third Bancorp — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Fifth Third Bancorp — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Fifth Third Bancorp — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Fifth Third Bancorp — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Fifth Third Bancorp — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Fifth Third Bancorp — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Fifth Third Bancorp — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Fifth Third Bancorp — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Fifth Third Bancorp — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Competitors

Competitors & peers

Same GICS sector — classification peers, not declared competitors

Arthur J. Gallagher & Co. (AJG) FinancialsSun Life Financial (SLF) FinancialsRaymond James Financial (RJF) FinancialsAflac (AFL) FinancialsING Group (ING) FinancialsNorthern Trust (NTRS) FinancialsCincinnati Financial (CINF) FinancialsCoinbase (COIN) Financials

Filings

71 documents

Earnings releases

18 documents

Presentations

23 documents

Transcripts

0 documents

No transcripts for Fifth Third Bancorp are held in this edition of the library.

Mentioned by

4 companies

Other tracked companies whose held documents mention Fifth Third Bancorp by name or ticker. A mention is counted once per document, from the document text the library holds.

See also the earnings calendar for every tracked company’s next earnings date.