Fifth Third Bancorp: Q2 FY2026 earnings call

What management said about Q2 FY2026, from the documents filed with the SEC on 17 July 2026: press release. The quarter’s numbers.

Key takeaways

Quarterly earnings rose on Comerica: Net income available to common shareholders was $763 million, or $0.83 diluted EPS, against $128 million, or $0.15, in the first quarter and $591 million, or $0.88, a year earlier. Source
Full-quarter Comerica lifted net interest income: Net interest income on an FTE basis was $2,220 million, up 14% from the first quarter and 48% from a year earlier, mainly from a full quarter of Comerica. Source
Net charge-offs lowest since 2023: Net charge-offs were $135 million and the NCO ratio was 0.30%, down 7 bps sequentially. Commercial NCO ratio was 0.21% and consumer 0.53%. Source
Net interest margin rose to 3.36%: Net interest margin was 3.36% on an FTE basis, up 6 bps, from merger impacts, higher earning asset yields and improved deposit pricing. Source
Adjusted efficiency ratio improved: Adjusted efficiency ratio was 57.1%, improved 480 bps sequentially. Reported efficiency ratio was 64.3%. Source
Comerica integration on track: Management said the Comerica integration remains on track, and that the full run-rate of expected cost synergies is not yet reached. Source

“Fifth Third's second quarter was another step toward the earnings power we committed to deliver by year-end.”
Tim Spence, Fifth Third Chairman, CEO and President

Guidance

Area	Period	Figure	Against last quarter
Merger-related charges Source	Full year 2026	Approximately 65% of the expected full-year total incurred year to date

What changed from last quarter

New: The company surpassed $300 billion in total assets and formally became a Category III institution in the second quarter. Source
New: A Comerica Southwest deposit marketing campaign is reported as delivering $2.5 billion of consumer deposits. The first quarter release did not describe it. Source
New: About $4 billion of notional short-duration securities were repositioned, with a $10 million loss, to accelerate cash flow reinvestment. Source

Earnings and income drivers

Quarterly earnings rose on Comerica: Net income available to common shareholders was $763 million, or $0.83 diluted EPS, against $128 million, or $0.15, in the first quarter and $591 million, or $0.88, a year earlier. Source
Adjusted EPS excluded $0.19 of items: Certain items reduced diluted EPS by $0.19, mainly $155 million of after-tax merger-related charges. Adjusted EPS was $1.02. Source
Full-quarter Comerica lifted net interest income: Net interest income on an FTE basis was $2,220 million, up 14% from the first quarter and 48% from a year earlier, mainly from a full quarter of Comerica. Source
Noninterest income rose across fee lines: Noninterest income was $1,059 million, up 18% sequentially. Excluding certain items it was $1,040 million, up 13%. Source

Segments and fee businesses

Commercial Banking pre-tax income rose: Commercial Banking income before taxes (FTE) was $840 million, against $427 million in the first quarter. Source
Consumer segment provision and income: Consumer and Small Business Banking recorded $82 million of provision for credit losses, within a segment with $616 million of pre-tax income (FTE). Source
Wealth revenue and assets grew: Wealth and asset management revenue was $256 million, up 10% sequentially and 54% year-over-year. Assets under management rose 8% sequentially. Source
Commercial payments and capital markets rose: Capital markets fees were $154 million, up 15% sequentially, led by client financial risk management and loan syndication. Commercial payments revenue was $254 million, up 17%. Source
Mortgage banking revenue declined: Mortgage banking net revenue was $39 million, down 11% sequentially, on lower gains on loan sales. Source

“The results were higher returns and tangible book value per share growth.”
Tim Spence, Fifth Third Chairman, CEO and President

Credit quality and provision

Net charge-offs lowest since 2023: Net charge-offs were $135 million and the NCO ratio was 0.30%, down 7 bps sequentially. Commercial NCO ratio was 0.21% and consumer 0.53%. Source
Provision fell after prior Day 1 build: Provision for credit losses was $129 million, down from $227 million, which had included an $83 million Day 1 allowance build for Comerica. Source
Nonperforming assets rose modestly: Nonperforming portfolio assets were $1.075 billion, an NPA ratio of 0.60%, up from 0.57% in the first quarter. Source
Allowance ratio lower on portfolio mix: The ACL ratio was 1.76% of portfolio loans and leases, down 3 bps sequentially and 33 bps year-over-year, which the company attributed mainly to Comerica's portfolio mix. Source

Margin and deposit mix

Net interest margin rose to 3.36%: Net interest margin was 3.36% on an FTE basis, up 6 bps, from merger impacts, higher earning asset yields and improved deposit pricing. Source
Consumer deposits grew, deposit costs fell: Consumer deposits grew $4.6 billion as the company re-mixes toward granular deposits, contributing to a 2 bps decrease in interest-bearing deposit costs. Source
Commercial non-relationship deposits reduced: Higher-cost, non-relationship commercial deposits were intentionally reduced, offsetting part of the consumer deposit growth. Source
Wholesale funding rose for seasonal trough: Average wholesale funding rose 20% to $26 billion, mainly from $3.3 billion of short-term FHLB advances that bridged the seasonal low in commercial deposits. Source
Average deposits rose 11% sequentially: Average deposits were $231.5 billion, up 11% sequentially and 42% year-over-year. Period-end deposits were $234 billion, flat sequentially. Source

“We are building a Fifth Third that is not just larger, but is better and more resilient.”
Tim Spence, Fifth Third Chairman, CEO and President

Loans and loan growth

Commercial loans drove period-end growth: Period-end commercial loans and leases were $125 billion, up 2% sequentially and 68% year-over-year. Source
Average loans grew with Comerica: Average portfolio loans and leases were $177.6 billion, up 13% sequentially and 44% year-over-year, with the full Comerica quarter contributing to both periods. Source
Consumer loans flat sequentially: Period-end consumer loans were $54 billion, flat sequentially and up 11% year-over-year, as home equity and residential mortgage growth was offset by indirect and solar declines. Source
Loan-to-core deposit ratio held at 77%: The period-end portfolio loan-to-core deposit ratio was 77%, compared with 76% in the prior and year-ago quarters. Source

Expenses and efficiency

Adjusted efficiency ratio improved: Adjusted efficiency ratio was 57.1%, improved 480 bps sequentially. Reported efficiency ratio was 64.3%. Source
Expenses excluding items rose 5%: Noninterest expense excluding certain items and non-qualified deferred compensation was $1.861 billion, up 5% sequentially and 51% year-over-year. Source
Reported expenses fell sequentially: Reported noninterest expense was $2,109 million, down 12% sequentially and up 67% year-over-year. Source
Sequential expense rise tied to integration: Growth reflected the full-quarter Comerica contribution, higher technology spend tied to integration and marketing for the Comerica deposit campaign, offset by lower compensation. Source

Capital and shareholder returns

CET1 ratio edged higher: CET1 capital ratio was 9.93%, up 4 bps sequentially. Year-to-date CET1 decline reflects Comerica acquisition capital impacts and $933 million of pre-tax merger impacts. Source
No share repurchases in first half: The company made no share repurchases in the first half of 2026. Source
Tangible common equity rose year-over-year: Tangible common equity including AOCI was 7.27%, up 43 bps year-over-year. Tangible book value per share was $23.15. Source

Strategy, integration and footprint

Comerica integration on track: Management said the Comerica integration remains on track, and that the full run-rate of expected cost synergies is not yet reached. Source
Comerica Southwest deposit campaign results: Deposit campaigns in the Comerica Southwest markets delivered results above internal targets, including $2.5 billion of consumer deposits. Source
Revenue synergies emerging across footprint: Management said revenue synergies are emerging across the expanded footprint. Newline deposits rose $2.1 billion in the quarter. Source
Staffing and footprint changes: Full-time equivalent employees were 25,196, down from 25,980 in the first quarter. Source

Coming up, as management said on 17 July 2026

Systems conversion on Labor Day weekend: Systems conversion is scheduled for Labor Day weekend, described as the final step to unlocking the full run-rate of expected cost synergies. Source

Figures management reported

Figure	Reported
Net interest margin Source	3.36% (FTE), up 6 bps sequentially
Net interest income Source	$2,215 million reported; $2,220 million FTE
Loans Source	Average $177,572 million; period-end $178,528 million
Deposits Source	Average $231,506 million; period-end $234,141 million
Deposit costs Source	2.13% on interest-bearing deposits
Provision for credit losses Source	$129 million
Net charge-offs Source	$135 million; NCO ratio 0.30%
Nonperforming assets Source	$1,075 million; NPA ratio 0.60%
CET1 ratio Source	9.93%
Efficiency ratio Source	64.3% reported (FTE); 57.1% adjusted

Risks management discussed

Financial: Management cited an increase in nonperforming assets, linked to modest growth in consumer and commercial NPAs. Source
Financial: Short-term FHLB advances were used to bridge a seasonal low in commercial deposit balances, raising wholesale funding. Source
Demand: Higher-cost, non-relationship commercial deposits were reduced on purpose, which offset part of consumer deposit growth. Source
Regulatory: Management said the company is well-positioned to meet all Category III requirements on or before the required dates. Source

Earlier plans management reported on

Not stated: Management described the quarter as a step toward the earnings power it committed to deliver by year-end. Source
On track: Management said the Comerica integration remains on track, with systems conversion scheduled and cost synergies still to reach full run-rate. Source
Not stated: Management said Fifth Third prepared for the Category III transition over multiple years through investments in risk, capital, liquidity and regulatory reporting. Source

Other quarters

Summarised with AI from the documents the company filed with the SEC. Every point is checked against the filing before it is shown: management’s own words word for word, figures against the line or table row they come from. A point that fails the check is left out. Source opens the filing at that line.

As filed with the SEC

Open the filing on EDGAR

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 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 of 30 bps in 2Q26, the lowest level since 2Q23•Interest-bearing deposit costs decreased 2 bps sequentially to 2.13%•Tangible common equity increased 43 bps year-over-year Profitability: •Net interest margin expanded 6 bps sequentially •Adjusted ROTCE improved 100 bps and adjusted ROA improved 9 bps year-over- year •Disciplined expense management; adjusted efficiency ratioof 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)	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	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	0.30%	0.37%	0.45%
Nonperforming asset ratio	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	15.6	3.5	17.6
CET1 capital	9.93	9.89	10.58
Net interest margin	3.36	3.30	3.12
Efficiency	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)	$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	$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	$(155)
Securities repositioning losses	(8)
Technology-related asset impairments	(5)
Severance expense	(5)
Interchange litigation matters	(2)
After-tax impact of certain item(s)	$(175)
Diluted earnings per share impact of certain item(s)	$(0.19)
Totals may not foot due to rounding; A portion of the adjustments related to merger-related expenses are not tax-deductible; Pre-tax merger-related charges increased noninterest expense by $203 million; Interchange litigation matters increased noninterest expense by $1 million and decreased noninterest income by $1 million; Diluted earnings per share impact reflects 915.959 million average diluted shares outstanding

Net Interest Income
(FTE; $ in millions)	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	$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)	$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	$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.

	($ 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 $250,000	2,990	2,807	2,200	7%	36%
	Total average deposits	$231,506	$209,352	$163,575	11%	42%
	CDs 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 Deposits

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.

	($ in millions)	For the Three Months Ended			% Change
		June	March	June
		2026	2026	2025	Seq	Yr/Yr
	Average Wholesale Funding
	CDs over $250,000	$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%
	CDs 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

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.

	June		March		December		September		June
	2026		2026		2025		2025		2025
Credit Quality Summary
($ in millions)	As of and For the Three Months Ended
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	0.58%		0.54%		0.62%		0.62%		0.70%
NPA ratio	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-off		$(135)		$(144)		$(125)		$(339)		$(139)
Net charge-off ratio (NCO ratio)	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%
Excludes 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	9.04%	9.01%	9.28%	9.12%	9.39%
Tangible common equity (excluding AOCI)	8.30%	8.26%	8.46%	8.29%	8.38%
Tangible common equity (including AOCI)	7.27%	7.25%	7.14%	6.89%	6.84%
Regulatory Capital Ratios
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

Forward-looking statements notice

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”).

Forward-looking statements notice

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

		2026		2026		2025		Seq		Yr/Yr		2026		2025		Yr/Yr
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
Income Statement Data
Net interest income			$2,215		$1,934		$1,495		15%		48%		$4,149		$2,932		42%
Net interest income (FTE)			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)		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		15.6%		3.5%		17.6%			NM		(200)	10.0%		16.5%			(650)
Noninterest income as a percent of total revenue		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		8.30%		8.26%		8.38%			4		(8)	8.30%		8.38%			(8)
Net interest margin (FTE)		3.36%		3.30%		3.12%			6		24	3.33%		3.08%			25
Efficiency (FTE)		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			$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		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		$122,716		37%
Securities and other short-term investments			86,282		79,678		69,025		8%		25%		82,998		70,029		19%
Assets			297,947		265,551		210,554		12%		42%		281,839		210,556		34%
Transaction deposits			216,113		194,904		150,881		11%		43%		205,567		151,153		36%
Core deposits			228,516		206,545		161,375		11%		42%		217,591		161,591		35%
Wholesale funding			25,912		21,551		22,423		20%		16%		23,744		22,343		6%
Bancorp shareholders' equity			34,260		30,108		20,670		14%		66%		32,195		20,337		58%
Regulatory Capital Ratios
CET1 capital		9.93%		9.89%		10.58%			4		(65)	9.93%		10.58%			(65)
Tier 1 risk-based capital		10.81%		10.79%		11.85%			2		(104)	10.81%		11.85%			(104)
Total risk-based capital		12.50%		12.50%		13.77%			-		(127)	12.50%		13.77%			(127)
Leverage		9.20%		10.22%		9.42%			(102)		(22)	9.20%		9.42%			(22)
Additional Metrics
Banking centers			1,500		1,489		1,089		1%		38%		1,500		1,089		38%
ATMs			2,648		2,643		2,170		-		22%		2,648		2,170		22%
Full-time equivalent employees			25,196		25,980		18,690		(3%)		35%		25,196		18,690		35%
Assets under care ($ in billions)			$902		$865		$657		4%		37%		$902		$657		37%
Assets under management ($ in billions)			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.

		2026		2026		2025		2025		2025
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
Income Statement Data
Net interest income			$2,215		$1,934		$1,529		$1,520		$1,495
Net interest income (FTE)			2,220		1,939		1,533		1,525		1,500
Noninterest income			1,059		895		811		781		750
	Total revenue (FTE)		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		15.6%		3.5%		19.0%		17.3%		17.6%
Noninterest income as a percent of total revenue		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		8.30%		8.26%		8.46%		8.29%		8.38%
Net interest margin (FTE)		3.36%		3.30%		3.13%		3.13%		3.12%
Efficiency (FTE)		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			$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		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		$123,657
Securities and other short-term investments			86,282		79,678		69,997		69,507		69,025
Assets			297,947		265,551		213,021		211,770		210,554
Transaction deposits			216,113		194,904		155,895		151,669		150,881
Core deposits			228,516		206,545		166,436		162,510		161,375
Wholesale funding			25,912		21,551		18,853		21,821		22,423
Bancorp shareholders’ equity			34,260		30,108		21,527		21,216		20,670
Regulatory Capital Ratios
CET1 capital		9.93%		9.89%		10.81%		10.57%		10.58%
Tier 1 risk-based capital		10.81%		10.79%		11.87%		11.63%		11.85%
Total risk-based capital		12.50%		12.50%		13.78%		13.54%		13.77%
Leverage		9.20%		10.22%		9.41%		9.24%		9.42%
Additional Metrics
Banking centers			1,500		1,489		1,130		1,102		1,089
ATMs			2,648		2,643		2,199		2,184		2,170
Full-time equivalent employees			25,196		25,980		18,676		18,476		18,690
Assets under care ($ in billions)			$902		$865		$690		$681		$657
Assets under management ($ in billions)			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.

	2026	2026	2025	Seq	Yr/Yr	2026	2025	Yr/Yr
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
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%)

	2026	2026	2025	2025	2025
Fifth Third Bancorp and Subsidiaries
Consolidated Statements of Income
$ in millions	For the Three Months Ended
(unaudited)	June	March	December	September	June
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

	2026		2026		2025		Seq		Yr/Yr
Fifth Third Bancorp and Subsidiaries
Consolidated Balance Sheets
$ in millions, except per share data	As of						% Change
(unaudited)	June		March		June
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		44,466		46,161		38,270		(4%)		16%
Held-to-maturity securities		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		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		-		-

	2026	2026	2025	2025	2025
Fifth Third Bancorp and Subsidiaries
Consolidated Balance Sheets
$ in millions, except per share data	As of
(unaudited)	June	March	December	September	June
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	44,466	46,161	36,159	36,461	38,270
Held-to-maturity securities	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	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

		For the Three Months Ended		Year to Date
		June	June	June	June
		2026	2025	2026	2025
Fifth Third Bancorp and Subsidiaries
Consolidated Statements of Changes in Equity
$ in millions
(unaudited)
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	$85,260	5.90%		$73,302	5.89%		$54,109	6.28%
Commercial mortgage loans	27,215	5.82%		22,005	5.85%		12,420	6.12%
Commercial construction loans	8,504	6.50%		7,287	6.45%		5,810	7.17%
Commercial leases	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	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)		3.36%			3.30%			3.12%
Net interest rate spread (FTE)		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	$79,315	5.90%		$53,772	6.25%
Commercial mortgage loans	24,625	5.83%		12,404	6.05%
Commercial construction loans	7,899	6.48%		5,812	7.05%
Commercial leases	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	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)		3.33%			3.08%
Net interest rate spread (FTE)		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.

	2026	2026	2025	2025	2025
Fifth Third Bancorp and Subsidiaries
Summary of Loans and Leases
$ in millions	For the Three Months Ended
(unaudited)	June	March	December	September	June
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
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.

		2026		2026		2025		2025		2025
Fifth Third Bancorp and Subsidiaries
Regulatory Capital
$ in millions		As of
(unaudited)		June		March		December		September		June
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.

	2026		2026		2025		2025		2025
Fifth Third Bancorp and Subsidiaries
Summary of Credit Loss Experience
$ in millions	For the Three Months Ended
(unaudited)	June		March		December		September		June
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		($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.

	2026		2026		2025		2025		2025
Fifth Third Bancorp and Subsidiaries
Asset Quality
$ in millions	For the Three Months Ended
(unaudited)	June		March		December		September		June
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		(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		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)		$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	303%		328%		314%		314%		300%
As a percent of nonperforming portfolio assets	293%		316%		302%		302%		289%
Nonperforming portfolio loans and leases as a percent of portfolio loans and leases	0.58%		0.54%		0.62%		0.62%		0.70%
Nonperforming portfolio assets as a percent of portfolio loans and leases and OREO	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)	$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)	$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)	$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)	$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)	$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)	$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)	$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)	$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)	$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)	$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.