0000035527-24-000008.txt : 20240122 0000035527-24-000008.hdr.sgml : 20240122 20240122081830 ACCESSION NUMBER: 0000035527-24-000008 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 15 CONFORMED PERIOD OF REPORT: 20240122 ITEM INFORMATION: Other Events ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20240122 DATE AS OF CHANGE: 20240122 FILER: COMPANY DATA: COMPANY CONFORMED NAME: FIFTH THIRD BANCORP CENTRAL INDEX KEY: 0000035527 STANDARD INDUSTRIAL CLASSIFICATION: STATE COMMERCIAL BANKS [6022] ORGANIZATION NAME: 02 Finance IRS NUMBER: 310854434 STATE OF INCORPORATION: OH FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 8-K SEC ACT: 1934 Act SEC FILE NUMBER: 001-33653 FILM NUMBER: 24547148 BUSINESS ADDRESS: STREET 1: 38 FOUNTAIN SQ PLZ STREET 2: FIFTH THIRD CENTER CITY: CINCINNATI STATE: OH ZIP: 45263 BUSINESS PHONE: 5135795300 MAIL ADDRESS: STREET 1: 38 FOUNTAIN SQ PLZ STREET 2: FIFTH THIRD CENTER CITY: CINCINNATI STATE: OH ZIP: 45263 8-K 1 fitb-20240122.htm 8-K fitb-20240122
false0000035527Fifth Third BancorpDepositary Shares Representing a 1/1000th Ownership Interest in a Share of 6.625% Fixed-to-Floating Rate Non-Cumulative Perpetual Preferred Stock00000355272024-01-222024-01-220000035527us-gaap:CommonStockMember2024-01-222024-01-220000035527fitb:DepositarySharesRepresentingA11000thOwnershipInterestInAShareOf6.625FixedToFloatingRateNotCumulativePerpetualPreferredStockSeriesI2Member2024-01-222024-01-220000035527fitb:DepositarySharesRepresentingA140thOwnershipInterestInAShareOf6.00NotCumulativePerpetualClassBPreferredStockSeriesAMember2024-01-222024-01-220000035527fitb:DepositarySharesRepresentingA11000thOwnershipInterestInAShareOf4.95NotCumulativePerpetualPreferredStockSeriesKMember2024-01-222024-01-22

UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, DC 20549
FORM 8-K
CURRENT REPORT
PURSUANT TO SECTION 13 OR 15(D)
OF THE SECURITIES EXCHANGE ACT OF 1934
Date of report (Date of earliest event reported): January 22, 2024
ER - FITB Shield v2.gif
(Exact name of registrant as specified in its charter)
Ohio 001-33653 31-0854434
(State or other jurisdiction
of incorporation)
 (Commission
File Number)
 (IRS Employer
Identification No.)
Fifth Third Center
38 Fountain Square Plaza,Cincinnati,Ohio45263
(Address of Principal Executive Offices)(Zip Code)
(800) 972-3030
(Registrant's telephone number, including area code)

Not Applicable
(Former name or former address, if changed since last report)

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

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

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

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

        Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))
Securities registered pursuant to Section 12(b) of the Act:
Title of each class Trading
Symbol(s)
 Name of each exchange
on which registered
Common Stock, Without Par Value FITB The NASDAQ Stock Market LLC
Depositary Shares Representing a 1/1000th Ownership Interest in a Share of 6.625% Fixed-to-Floating Rate Non-Cumulative Perpetual Preferred Stock, Series I FITBI The NASDAQ Stock Market LLC
Depositary Shares Representing a 1/40th Ownership Interest in a Share of 6.00% Non-Cumulative Perpetual Class B Preferred Stock, Series A FITBP The NASDAQ Stock Market LLC
Depositary Shares Representing a 1/1000th Ownership Interest in a Share of 4.95% Non-Cumulative Perpetual Preferred Stock, Series K FITBO The NASDAQ Stock Market LLC

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

Emerging growth company                

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



Item 8.01    Other Events

Fifth Third Bancorp is filing the information in Exhibit 99.1 to this Current Report on Form 8-K to incorporate into its securities filing certain information from its January 19, 2024 earnings release for the fourth quarter of 2023.

Item 9.01    Financial Statements and Exhibits

Exhibit 99.1 – Certain financial information contained in press release dated January 19, 2024

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



SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.
 FIFTH THIRD BANCORP
 (Registrant)
   
Date: January 22, 2024 /s/ Bryan D. Preston
   
 Bryan D. Preston
 Executive Vice President and
Chief Financial Officer


EX-99.1 2 q42023earningsrelease_991d.htm EX-99.1 Document

Exhibit 99.1
Key Financial Data
$ in millions for all balance sheet and income statement items
4Q23
3Q23
4Q22
Income Statement Data
Net income available to common shareholders$492$623$699
Net interest income (U.S. GAAP)1,4161,4381,577
Net interest income (FTE)(a)
1,4231,4451,582
Noninterest income744715735
Noninterest expense1,4551,1881,218
Per Share Data
Earnings per share, basic$0.72$0.91$1.01
Earnings per share, diluted0.720.911.01
Book value per share25.0421.1922.26
Tangible book value per share(a)
17.6413.7614.83
Balance Sheet & Credit Quality
Average portfolio loans and leases$118,858$121,630$121,371
Average deposits169,447165,644161,061
Accumulated other comprehensive loss(4,487)(6,839)(5,110)
Net charge-off ratio(b)
0.32%0.41%0.22%
Nonperforming asset ratio(c)
0.590.510.44
Financial Ratios
Return on average assets0.98%1.26%1.42%
Return on average common equity12.916.318.8
Return on average tangible common equity(a)
19.824.729.2
CET1 capital(d)(e)
10.299.809.28
Net interest margin(a)
2.852.983.35
Efficiency(a)
67.255.052.6
Other than the Quarterly Financial Review tables, commentary is on a fully taxable-equivalent (FTE) basis unless otherwise noted. Consistent with SEC guidance in Regulation S-K that contemplates the calculation of tax-exempt income on a taxable-equivalent basis, net interest income, net interest margin, net interest rate spread, total revenue and the efficiency ratio are provided on an FTE basis.
Income Statement Highlights
($ in millions, except per share data)For the Three Months Ended% Change
DecemberSeptemberDecember
202320232022SeqYr/Yr
Condensed Statements of Income
Net interest income (NII)(a)
$1,423$1,445$1,582(2)%(10)%
Provision for credit losses55119180(54)%(69)%
Noninterest income7447157354%1%
Noninterest expense1,4551,1881,21822%19%
Income before income taxes(a)
$657$853$919(23)%(29)%
Taxable equivalent adjustment$7$7$540%
Applicable income tax expense120186177(35)%(32)%
Net income$530$660$737(20)%(28)%
Dividends on preferred stock3837383%
Net income available to common shareholders$492$623$699(21)%(30)%
Earnings per share, diluted$0.72$0.91$1.01(21)%(29)%
Fifth Third Bancorp (NASDAQ®: FITB) today reported fourth quarter 2023 net income of $530 million compared to net income of $660 million in the prior quarter and $737 million in the year-ago quarter. Net income available to common shareholders in the current quarter was $492 million, or $0.72 per diluted share, compared to $623 million, or $0.91 per diluted share, in the prior quarter and $699 million, or $1.01 per diluted share, in the year-ago quarter.




Diluted earnings per share impact of certain item(s) - 4Q23
(after-tax impact; $ in millions, except per share data)
FDIC special assessment (noninterest expense)(f)
$(172)
Valuation of Visa total return swap (noninterest income)(f)
(17)
Fifth Third Foundation contribution (noninterest expense)(f)
(12)
Restructuring severance expense (noninterest expense)(f)
(4)
Income tax benefit associated with resolution of certain acquisition related tax matters17
After-tax impact of certain item(s)
$(188)
Diluted earnings per share impact of certain item(s)1
$(0.27)
1Diluted earnings per share impact reflects 687.729 million average diluted shares outstanding


Reported full year 2023 net income was $2.3 billion compared to full year 2022 net income of $2.4 billion. Full year 2023 net income available to common shareholders was $2.2 billion, or $3.22 per diluted share, compared to 2022 full year net income available to common shareholders of $2.3 billion, or $3.35 per diluted share.

2


Net Interest Income
(FTE; $ in millions)(a)
For the Three Months Ended% Change
DecemberSeptemberDecember
202320232022SeqYr/Yr
Interest Income
Interest income$2,655 $2,536 $2,080 5%28%
Interest expense1,2321,09149813%147%
Net interest income (NII)$1,423 $1,445 $1,582 (2)%(10)%
Average Yield/Rate Analysisbps Change
Yield on interest-earning assets5.31 %5.23 %4.40 %891
Rate paid on interest-bearing liabilities3.34 %3.10 %1.56 %24178
Ratios
Net interest rate spread1.97 %2.13 %2.84 %(16)(87)
Net interest margin (NIM)2.85 %2.98 %3.35 %(13)(50)
NII decreased $22 million, or 2%, compared to the prior quarter. During the quarter, the risk-weighted asset reduction initiative was completed, and strong core deposit growth continued. Balance sheet positioning and deposit performance continue to provide flexibility in managing through a range of uncertain economic and regulatory environments. The impacts of increasing deposit costs due to higher average market rates and continued competition were partially offset by improved loan yields and the funding benefits from the core deposit balance growth. Compared to the prior quarter, NIM decreased 13 bps, reflecting the impact of higher cash balances due to the combined impact of the decrease in average loans and the growth in core deposits. NIM will continue to be impacted by the decision to carry additional liquidity, with the combination of cash and due from banks and other short-term investments exceeding $25 billion at quarter-end.
Compared to the year-ago quarter, NII decreased $159 million, or 10%, reflecting the impact of the deposit mix shift from demand to interest-bearing accounts and continued deposit repricing dynamics, partially offset by higher loan yields. Compared to the year-ago quarter, NIM decreased 50 bps, reflecting the impact of higher market rates and their effects on deposit pricing and the decision to carry additional liquidity, partially offset by higher loan yields.

3


Noninterest Income
($ in millions)For the Three Months Ended% Change
DecemberSeptemberDecember
202320232022SeqYr/Yr
Noninterest Income
Service charges on deposits$146$149$140(2)%4%
Commercial banking revenue1631541586%3%
Mortgage banking net revenue66576316%5%
Wealth and asset management revenue1471451391%6%
Card and processing revenue1061041032%3%
Leasing business revenue465858(21)%(21)%
Other noninterest income545572(2)%(25)%
Securities gains (losses), net15(7)2NM650%
Securities gains, net - non-qualifying hedges
   on mortgage servicing rights1NMNM
Total noninterest income$744$715$7354%1%
Reported noninterest income increased $29 million, or 4%, from the prior quarter, and increased $9 million, or 1%, from the year-ago quarter. The reported results reflect the impact of certain items in the table below, including securities gains/losses which incorporate mark-to-market impacts from securities associated with non-qualified deferred compensation plans that are primarily offset in compensation and benefits expense.

Noninterest Income excluding certain items
($ in millions)For the Three Months Ended
DecemberSeptemberDecember% Change
202320232022SeqYr/Yr
Noninterest Income excluding certain items
Noninterest income (U.S. GAAP)$744 $715 $735 
Valuation of Visa total return swap221038
Branch impairment charges6
Securities (gains) losses, net(15)7(2)
Noninterest income excluding certain items(a)
$751 $732 $7773%(3)% 
Noninterest income excluding certain items increased $19 million, or 3%, from the prior quarter, and decreased $26 million, or 3%, from the year-ago quarter.
Compared to the prior quarter, service charges on deposits decreased $3 million, or 2%, primarily reflecting a decrease in consumer deposit fees due to the elimination of extended overdraft fees. Commercial banking revenue increased $9 million, or 6%, primarily reflecting higher institutional brokerage revenue, business lending fees, and corporate bond fees, partially offset by a decrease in loan syndication revenue. Mortgage banking net revenue increased $9 million, or 16%, primarily reflecting a decrease in MSR asset decay and an increase in MSR net valuation adjustments, which had a $2 million gain in the fourth quarter compared to a $2 million loss in the prior quarter. Wealth and asset management revenue increased $2 million, or 1%, primarily driven by higher brokerage fees, partially offset by lower personal asset management revenue. Card and processing revenue increased $2 million, or 2%, primarily driven by higher interchange revenue. Leasing business revenue decreased $12 million, or 21%, primarily reflecting lower lease remarketing revenue. Other noninterest income results were driven by the recognition of tax receivable agreement revenue of $22 million in the current quarter.
Compared to the year-ago quarter, service charges on deposits increased $6 million, or 4%, reflecting an increase in commercial treasury management fees, partially offset by a decrease in consumer deposit fees. Commercial banking
4


revenue increased $5 million, or 3%, primarily driven by higher institutional brokerage revenue, corporate bond fees and business lending fees, partially offset by lower M&A advisory revenue and client financial risk management revenue. Mortgage banking net revenue increased $3 million, or 5%, primarily reflecting a decrease in MSR asset decay and an increase in origination fees and gains on loans sales. Wealth and asset management revenue increased $8 million, or 6%, driven by higher brokerage fees and personal asset management revenue. Card and processing revenue increased $3 million, or 3%, primarily reflecting higher interchange revenue. Leasing business revenue decreased $12 million, or 21%, primarily reflecting lower operating lease revenue and lease remarketing revenue. The decrease in other noninterest income was primarily attributable to lower tax receivable agreement revenue and private equity income.
Noninterest Expense
($ in millions)For the Three Months Ended% Change
DecemberSeptemberDecember
202320232022SeqYr/Yr
Noninterest Expense
Compensation and benefits$659 $629 $655 5%1%
Net occupancy expense838482(1)%1%
Technology and communications1171151112%5%
Equipment expense373737
Card and processing expense212121
Leasing business expense272936(7)%(25)%
Marketing expense303531(14)%(3)%
Other noninterest expense481238245102%96%
Total noninterest expense$1,455 $1,188 $1,218 22%19%

Reported noninterest expense increased $267 million, or 22%, from the prior quarter, and increased $237 million, or 19%, from the year-ago quarter. The reported results reflect the impact of certain items in the table below.
Noninterest Expense excluding certain item(s)
($ in millions)For the Three Months Ended% Change
DecemberSeptemberDecember
202320232022SeqYr/Yr
Noninterest Expense excluding certain item(s)
Noninterest expense (U.S. GAAP)$1,455 $1,188 $1,218 
FDIC special assessment(224)
Fifth Third Foundation contribution(15)
Restructuring severance expense(5)
Noninterest expense excluding certain item(s)(a)
$1,211 $1,188 $1,2182%(1)%

Compared to the prior quarter, noninterest expense excluding certain items increased $23 million, or 2%, primarily driven by the impact of non-qualified deferred compensation mark-to-market, which was a $17 million expense in the fourth quarter compared to a $5 million benefit in the prior quarter, both of which were largely offset in net securities gains/losses through noninterest income.
Compared to the year-ago quarter, noninterest expense excluding certain items decreased $7 million, or 1%, primarily driven by lower leasing business expense and other noninterest expense, partially offset by higher technology and communications expense primarily related to continued modernization investments. The year-ago quarter included $6 million of noninterest expense related to the impact of non-qualified deferred compensation mark-to-market, which was largely offset in net securities gains/losses through noninterest income.
5


Average Interest-Earning Assets
($ in millions)For the Three Months Ended% Change
DecemberSeptemberDecember
202320232022SeqYr/Yr
Average Portfolio Loans and Leases
Commercial loans and leases:
Commercial and industrial loans$54,633 $57,001 $57,646 (4)%(5)%
Commercial mortgage loans11,33811,21610,8981%4%
Commercial construction loans5,7275,5395,5443%3%
Commercial leases2,5352,6162,736(3)%(7)%
Total commercial loans and leases$74,233$76,372$76,824(3)%(3)%
Consumer loans:
Residential mortgage loans$17,129$17,400$17,577(2)%(3)%
Home equity3,9053,8974,024(3)%
Indirect secured consumer loans15,12915,78716,536(4)%(9)%
Credit card1,8291,8081,7951%2%
Other consumer loans6,6336,3664,6154%44%
Total consumer loans$44,625$45,258$44,547(1)%
Total average portfolio loans and leases$118,858 $121,630 $121,371 (2)%(2)%
Average Loans and Leases Held for Sale
Commercial loans and leases held for sale$72$17$84324%(14)%
Consumer loans held for sale3796191,411(39)%(73)%
Total average loans and leases held for sale$451$636$1,495(29)%(70)%
Total average loans and leases$119,309$122,266$122,866(2)%(3)%
Securities (taxable and tax-exempt)$57,351$56,994$58,4891%(2)%
Other short-term investments21,50612,9566,28566%242%
Total average interest-earning assets$198,166$192,216$187,6403%6%
Compared to the prior quarter, total average portfolio loans and leases decreased 2%, reflecting the aforementioned reduction in risk-weighted assets initiative which impacted both commercial and consumer portfolios. Average commercial portfolio loans and leases decreased 3%, reflecting a decrease in commercial and industrial (C&I) loan balances. Average consumer portfolio loans decreased 1%, primarily reflecting decreases in indirect secured consumer loan balances and residential mortgage loan balances, partially offset by an increase in other consumer loan balances driven by Dividend Finance.
Compared to the year-ago quarter, total average portfolio loans and leases decreased 2%, reflecting a decrease in the commercial portfolio. Average commercial portfolio loans and leases decreased 3%, primarily reflecting a decrease in C&I loan balances, partially offset by an increase in commercial mortgage loan balances. Average consumer portfolio loans were flat, primarily reflecting an increase in other consumer loan balances driven by Dividend Finance, offset by a decrease in indirect secured consumer loan balances and residential mortgage loan balances.
Average loans and leases held for sale were $0.5 billion in the current quarter compared to $0.6 billion in the prior quarter and $1.5 billion in the year-ago quarter.
Average securities (taxable and tax-exempt; amortized cost) of $57 billion in the current quarter increased $0.4 billion, or 1%, compared to the prior quarter and decreased $1 billion, or 2%, compared to the year-ago quarter. Average other short-term investments (including interest-bearing cash) of $22 billion in the current quarter increased $9 billion, or 66%, compared to the prior quarter and increased $15 billion, or 242%, compared to the year-ago quarter.
6


Total period-end commercial portfolio loans and leases of $73 billion decreased 3% compared to the prior quarter, primarily reflecting a decrease in C&I loan balances. Compared to the year-ago quarter, total period-end commercial portfolio loans and leases decreased 5%, primarily reflecting a decrease in C&I loan balances. Period-end commercial revolving line utilization was 35%, compared to 36% in the prior quarter and 37% in the year-ago quarter.
Total period-end consumer portfolio loans of $44 billion decreased 1% compared to the prior quarter, primarily reflecting decreases in indirect secured consumer loan balances and residential mortgage loan balances, partially offset by an increase in other consumer loan balances driven by Dividend Finance. Compared to the year-ago quarter, total period-end consumer portfolio loans decreased 1%, primarily driven by decreases in indirect secured consumer loan balances and residential mortgage loan balances, partially offset by an increase in other consumer loan balances driven by Dividend Finance.
Total period-end securities (taxable and tax-exempt; amortized cost) of $57 billion in the current quarter were stable compared to the prior quarter and decreased $1 billion, or 2%, compared to the year-ago quarter. Period-end other short-term investments of approximately $22 billion increased $3 billion, or 17%, compared to the prior quarter, and increased $14 billion, or 164%, compared to the year-ago quarter.
On January 3, 2024, Fifth Third transferred $12.6 billion (amortized cost) of securities, with an unrealized loss of $994 million, from available-for-sale to held-to-maturity. This transfer is in response to Fifth Third's decision to hold these securities to maturity in order to reduce potential capital volatility associated with investment security market price fluctuations.
Average Deposits
($ in millions)For the Three Months Ended% Change
DecemberSeptemberDecember
202320232022SeqYr/Yr
Average Deposits
Demand$43,396 $44,228 $54,550 (2)%(20)%
Interest checking57,11453,10947,8018%19%
Savings18,25220,51123,474(11)%(22)%
Money market34,29232,07228,7137%19%
Foreign office(g)
1781682096%(15)%
Total transaction deposits$153,232$150,088$154,7472%(1)%
CDs $250,000 or less10,5569,6302,74810%284%
Total core deposits$163,788$159,718$157,4953%4%
CDs over $250,000 5,6595,9263,566(5)%59%
Total average deposits$169,447 $165,644 $161,061 2%5%
CDs over $250,000 includes $4.8BN, $5.2BN, and $3.4BN of retail brokered certificates of deposit which are fully covered by FDIC insurance for the three months ended 12/31/23, 9/30/23, and 12/31/22, respectively.
Compared to the prior quarter, total average deposits increased 2%, primarily due to seasonality. Average demand deposits represented 26% of total core deposits in the current quarter, compared to 28% in the prior quarter. Compared to the prior quarter, average consumer segment deposits increased 1%, average commercial segment deposits increased 5%, and average wealth & asset management segment deposits increased 1%. Period-end total deposits increased 1% compared to the prior quarter.
Compared to the year-ago quarter, total average deposits increased 5%, primarily reflecting an increase in interest checking and time deposit balances, partially offset by a decrease in demand account balances. Period-end total deposits increased 3% compared to the year-ago quarter.
7


The period-end portfolio loan-to-core deposit ratio was 72% in the current quarter, compared to 74% in the prior quarter and 76% in the year-ago quarter. Estimated uninsured deposits were approximately $71 billion, or 42% of total deposits, as of quarter end.

Average Wholesale Funding
($ in millions)For the Three Months Ended% Change
DecemberSeptemberDecember
202320232022SeqYr/Yr
Average Wholesale Funding
CDs over $250,000$5,659 $5,926 $3,566 (5)%59%
Federal funds purchased1911812646%(28)%
Securities sold under repurchase agreements350352476(1)%(26)%
FHLB advances3,2933,7265,489(12)%(40)%
Derivative collateral and other secured borrowings3448225(29)%(85)%
Long-term debt16,58814,05613,42518%24%
Total average wholesale funding$26,115$24,289$23,4458%11%
CDs over $250,000 includes $4.8BN, $5.2BN, and $3.4BN of retail brokered certificates of deposit which are fully covered by FDIC insurance for the three months ended 12/31/23, 9/30/23, and 12/31/22, respectively.
Compared to the prior quarter, average wholesale funding increased 8%, primarily reflecting an increase in long-term debt (reflecting the full quarter impact of issuing long-term debt and automobile loan portfolio securitization in the prior quarter), partially offset by a decrease in FHLB advances. Compared to the year-ago quarter, average wholesale funding increased 11%, primarily reflecting an increase in long-term debt and CDs over $250,000, partially offset by a decrease in FHLB advances.
8


Credit Quality Summary
($ in millions)As of and For the Three Months Ended
DecemberSeptemberJuneMarchDecember
20232023202320232022
Total nonaccrual portfolio loans and leases (NPLs)$649$570$629$593$515
Repossessed property1011886
OREO2931242218
Total nonperforming portfolio loans and leases and OREO (NPAs)$688$612$661$623$539
NPL ratio(h)
0.55 %0.47 %0.52 %0.48 %0.42 %
NPA ratio(c)
0.59 %0.51 %0.54 %0.51 %0.44 %
Portfolio loans and leases 30-89 days past due (accrual)$359$316$339$317$364
Portfolio loans and leases 90 days past due (accrual)3629514640
30-89 days past due as a % of portfolio loans and leases0.31 %0.26 %0.28 %0.26 %0.30 %
90 days past due as a % of portfolio loans and leases0.03 %0.02 %0.04 %0.04 %0.03 %
Allowance for loan and lease losses (ALLL), beginning$2,340 $2,327 $2,215 $2,194 $2,099 
Impact of adoption of ASU 2022-02(49)
Total net losses charged-off(96)(124)(90)(78)(68)
Provision for loan and lease losses78137202148163
ALLL, ending$2,322$2,340$2,327$2,215$2,194
Reserve for unfunded commitments, beginning$189$207$232$216$199
(Benefit from) provision for the reserve for unfunded commitments(23)(18)(25)1617
Reserve for unfunded commitments, ending$166$189$207$232$216
Total allowance for credit losses (ACL)$2,488 $2,529 $2,534 $2,447 $2,410 
ACL ratios:
As a % of portfolio loans and leases2.12 % 2.11 % 2.08 % 1.99 % 1.98 % 
As a % of nonperforming portfolio loans and leases383 % 443 % 403 % 413 % 468 % 
As a % of nonperforming portfolio assets362 % 413 % 383 % 393 % 447 % 
ALLL as a % of portfolio loans and leases1.98 %1.95 %1.91 %1.80 %1.81 %
Total losses charged-off$(133)$(158)$(121)$(110)$(103)
Total recoveries of losses previously charged-off3734313235
Total net losses charged-off$(96)$(124)$(90)$(78)$(68)
Net charge-off ratio (NCO ratio)(b)
0.32 %0.41 %0.29 %0.26 %0.22 %
Commercial NCO ratio0.13 %0.34 %0.16 %0.17 %0.13 %
Consumer NCO ratio0.64 %0.53 %0.50 %0.42 %0.38 %
Nonperforming portfolio loans and leases were $649 million in the current quarter, with the resulting NPL ratio of 0.55%. Compared to the prior quarter, NPLs increased $79 million with the NPL ratio increasing 8 bps. Compared to the year-ago quarter, NPLs increased $134 million with the NPL ratio increasing 13 bps.
Nonperforming portfolio assets were $688 million in the current quarter, with the resulting NPA ratio of 0.59%. Compared to the prior quarter, NPAs increased $76 million with the NPA ratio increasing 8 bps. Compared to the year-ago quarter, NPAs increased $149 million with the NPA ratio increasing 15 bps.
The provision for credit losses totaled $55 million in the current quarter. The allowance for credit loss ratio represented 2.12% of total portfolio loans and leases at quarter end, compared with 2.11% for the prior quarter end and 1.98% for the
9


year-ago quarter end. In the current quarter, the allowance for credit losses represented 383% of nonperforming portfolio loans and leases and 362% of nonperforming portfolio assets.
Net charge-offs were $96 million in the current quarter, resulting in an NCO ratio of 0.32%. Compared to the prior quarter, net charge-offs decreased $28 million and the NCO ratio decreased 9 bps. Commercial net charge-offs were $25 million, resulting in a commercial NCO ratio of 0.13%, which decreased 21 bps compared to the prior quarter. Consumer net charge-offs were $71 million, resulting in a consumer NCO ratio of 0.64%, which increased 11 bps compared to the prior quarter.
Compared to the year-ago quarter, net charge-offs increased $28 million and the NCO ratio increased 10 bps, reflecting a normalizing from near-historically low net charge-offs in the year-ago quarter. The commercial NCO ratio was flat compared to the prior year, and the consumer NCO ratio increased 26 bps compared to the prior year.

Capital Position
As of and For the Three Months Ended
DecemberSeptemberJuneMarchDecember
20232023202320232022
Capital Position
Average total Bancorp shareholders' equity as a % of average assets
8.04 %8.30%8.90%8.77%8.18 %
Tangible equity(a)
8.65 %8.46%8.58%8.39%8.31 %
Tangible common equity (excluding AOCI)(a)
7.67 %7.49%7.57%7.38%7.30 %
Tangible common equity (including AOCI)(a)
5.73 %4.51%5.26%5.49%5.00 %
Regulatory Capital Ratios(d)(e)
CET1 capital
10.29 %9.80%9.49%9.28%9.28 %
Tier 1 risk-based capital
11.59 %11.06%10.73%10.53%10.53 %
Total risk-based capital
13.72 %13.13%12.83%12.64%12.79 %
Leverage8.73 %8.85%8.81%8.67%8.56 %
The CET1 capital ratio was 10.29%, the Tangible common equity to tangible assets ratio was 7.67% excluding AOCI, and 5.73% including AOCI. The Tier 1 risk-based capital ratio was 11.59%, the Total risk-based capital ratio was 13.72%, and the Leverage ratio was 8.73%. Fifth Third did not execute share repurchases in the fourth quarter of 2023.
10


Tax Rate
The effective tax rate for the quarter was 18.4% compared with 22.0% in the prior quarter and 19.4% in the year-ago quarter. The tax rate in the fourth quarter reflects a favorable adjustment of $17 million associated with resolution of certain acquisition related tax matters.
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 NASDAQ® Global Select Market under the symbol “FITB.” Investor information and press releases can be viewed at www.53.com.

Earnings Release End Notes
(a)Non-GAAP measure; see discussion of non-GAAP reconciliation.
(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)Regulatory capital ratios are calculated pursuant to the five-year transition provision option to phase in the effects of CECL on regulatory capital after its adoption on January 1, 2020.
(e)Current period regulatory capital ratios are estimated.
(f)Assumes a 23% tax rate.
(g)Includes commercial customer Eurodollar sweep balances for which the Bank pays rates comparable to other commercial deposit accounts.
(h)Nonperforming portfolio loans and leases as a percent of portfolio loans and leases.




11



FORWARD-LOOKING STATEMENTS

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

There are a number of important factors that could cause future results to differ materially from historical performance and these forward-looking statements. Factors that might cause such a difference include, but are not limited to: (1) deteriorating credit quality; (2) loan concentration by location or industry of borrowers or collateral; (3) problems encountered by other financial institutions; (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) effects of the global COVID-19 pandemic; (9) cyber-security risks; (10) Fifth Third’s ability to secure confidential information and deliver products and services through the use of computer systems and telecommunications networks; (11) failures by third-party service providers; (12) inability to manage strategic initiatives and/or organizational changes; (13) inability to implement technology system enhancements; (14) failure of internal controls and other risk management systems; (15) losses related to fraud, theft, misappropriation or violence; (16) inability to attract and retain skilled personnel; (17) adverse impacts of government regulation; (18) governmental or regulatory changes or other actions; (19) failures to meet applicable capital requirements; (20) regulatory objections to Fifth Third’s capital plan; (21) regulation of Fifth Third’s derivatives activities; (22) deposit insurance premiums; (23) assessments for the orderly liquidation fund; (24) replacement of LIBOR; (25) weakness in the national or local economies; (26) global political and economic uncertainty or negative actions; (27) changes in interest rates and the effects of inflation; (28) changes and trends in capital markets; (29) fluctuation of Fifth Third’s stock price; (30) volatility in mortgage banking revenue; (31) litigation, investigations, and enforcement proceedings by governmental authorities; (32) breaches of contractual covenants, representations and warranties; (33) competition and changes in the financial services industry; (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; and (45) Fifth Third's ability to meet its environmental and/or social targets, goals and commitments.

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.
# # #


12


Fifth Third Bancorp and Subsidiaries
Consolidated Statements of Income
$ in millionsFor the Three Months Ended% ChangeYear to Date% Change
(unaudited)DecemberSeptemberDecemberDecemberDecember
202320232022SeqYr/Yr20232022Yr/Yr
Interest Income
Interest and fees on loans and leases$1,889$1,899$1,577(1%)20%$7,334$4,95448%
Interest on securities4514444402%3%1,7701,51717%
Interest on other short-term investments3081865866%431%656116466%
Total interest income2,6482,5292,0755%28%9,7606,58748%
Interest Expense
Interest on deposits95284430013%217%2,929447555%
Interest on federal funds purchased32250%50%156150%
Interest on other short-term borrowings495253(6%)(8%)247108129%
Interest on long-term debt22819314318%59%74241778%
Total interest expense1,2321,09149813%147%3,933978302%
Net Interest Income1,4161,4381,577(2%)(10%)5,8275,6094%
Provision for credit losses55119180(54%)(69%)515563(9%)
Net Interest Income After Provision for Credit Losses1,3611,3191,3973%(3%)5,3125,0465%
Noninterest Income
Service charges on deposits146149140(2%)4%577589(2%)
Commercial banking revenue1631541586%3%62456510%
Mortgage banking net revenue66576316%5%25021516%
Wealth and asset management revenue1471451391%6%5815702%
Card and processing revenue1061041032%3%4164092%
Leasing business revenue465858(21%)(21%)208237(12%)
Other noninterest income545572(2%)(25%)207265(22%)
Securities gains (losses), net15(7)2NM650%18(82)NM
Securities gains (losses), net - non-qualifying hedges on mortgage servicing rights1NMNM(2)(100%)
Total noninterest income7447157354%1%2,8812,7664%
Noninterest Expense
Compensation and benefits6596296555%1%2,6942,5545%
Net occupancy expense838482(1%)1%3313078%
Technology and communications1171151112%5%46441612%
Equipment expense3737371481452%
Card and processing expense21212184805%
Leasing business expense272936(7%)(25%)121131(8%)
Marketing expense303531(14%)(3%)1261187%
Other noninterest expense481238245102%96%1,23796828%
Total noninterest expense1,4551,1881,21822%19%5,2054,71910%
Income Before Income Taxes650846914(23%)(29%)2,9883,093(3%)
Applicable income tax expense120186177(35%)(32%)639647(1%)
Net Income530660737(20%)(28%)2,3492,446(4%)
Dividends on preferred stock3837383%13711618%
Net Income Available to Common Shareholders$492$623$699(21%)(30%)$2,212$2,330(5%)
13


Fifth Third Bancorp and Subsidiaries
Consolidated Statements of Income
$ in millionsFor the Three Months Ended
(unaudited)DecemberSeptemberJuneMarchDecember
20232023202320232022
Interest Income
Interest and fees on loans and leases$1,889$1,899$1,831$1,714$1,577
Interest on securities451444437439440
Interest on other short-term investments3081861026058
Total interest income2,6482,5292,3702,2132,075
Interest Expense
Interest on deposits952844655478300
Interest on federal funds purchased32552
Interest on other short-term borrowings4952905753
Interest on long-term debt228193163156143
Total interest expense1,2321,091913696498
Net Interest Income1,4161,4381,4571,5171,577
Provision for credit losses55119177164180
Net Interest Income After Provision for Credit Losses1,3611,3191,2801,3531,397
Noninterest Income
Service charges on deposits146149144137140
Commercial banking revenue163154146161158
Mortgage banking net revenue6657596963
Wealth and asset management revenue147145143146139
Card and processing revenue106104106100103
Leasing business revenue4658475758
Other noninterest income5455742272
Securities gains (losses), net15(7)742
Securities gains, net - non-qualifying hedges on mortgage servicing rights1
Total noninterest income744715726696735
Noninterest Expense
Compensation and benefits659629650757655
Net occupancy expense8384838182
Technology and communications117115114118111
Equipment expense3737363737
Card and processing expense2121202221
Leasing business expense2729313436
Marketing expense3035312931
Other noninterest expense481238266253245
Total noninterest expense1,4551,1881,2311,3311,218
Income Before Income Taxes650846775718914
Applicable income tax expense120186174160177
Net Income530660601558737
Dividends on preferred stock3837392338
Net Income Available to Common Shareholders$492$623$562$535$699
14


Fifth Third Bancorp and Subsidiaries
Consolidated Balance Sheets
$ in millions, except per share dataAs of% Change
(unaudited)DecemberSeptemberDecember
202320232022SeqYr/Yr
Assets
Cash and due from banks$3,142$2,837$3,46611%(9%)
Other short-term investments22,08218,9238,35117%164%
Available-for-sale debt and other securities(a)
50,41947,89351,5035%(2%)
Held-to-maturity securities(b)
225(60%)
Trading debt securities8991,222414(26%)117%
Equity securities613250317145%93%
Loans and leases held for sale3786141,007(38%)(62%)
Portfolio loans and leases:
  Commercial and industrial loans53,27055,79057,232(5%)(7%)
  Commercial mortgage loans11,27611,12211,0201%2%
  Commercial construction loans5,6215,5825,4331%3%
  Commercial leases2,5792,6242,704(2%)(5%)
Total commercial loans and leases72,74675,11876,389(3%)(5%)
  Residential mortgage loans17,02617,29317,628(2%)(3%)
  Home equity3,9163,8984,039(3%)
  Indirect secured consumer loans14,96515,43416,552(3%)(10%)
  Credit card1,8651,8171,8743%
  Other consumer loans6,7166,5284,9983%34%
Total consumer loans44,48844,97045,091(1%)(1%)
Portfolio loans and leases117,234120,088121,480(2%)(3%)
Allowance for loan and lease losses(2,322)(2,340)(2,194)(1%)6%
Portfolio loans and leases, net114,912117,748119,286(2%)(4%)
Bank premises and equipment2,3492,3032,1872%7%
Operating lease equipment459480627(4%)(27%)
Goodwill4,9194,9194,915
Intangible assets125136169(8%)(26%)
Servicing rights1,7371,8221,746(5%)(1%)
Other assets12,53813,81813,459(9%)(7%)
Total Assets$214,574$212,967$207,4521%3%
Liabilities
Deposits:
  Demand $43,146$43,844$53,125(2%)(19%)
  Interest checking 57,25753,42151,6537%11%
  Savings 18,21520,19523,469(10%)(22%)
  Money market 34,37433,49228,2203%22%
  Foreign office 162168182(4%)(11%)
  CDs $250,000 or less10,55210,3063,8092%177%
  CDs over $250,0005,2066,2463,232(17%)61%
Total deposits168,912167,672163,6901%3%
Federal funds purchased193205180(6%)7%
Other short-term borrowings2,8614,5944,838(38%)(41%)
Accrued taxes, interest and expenses2,1951,8341,82220%20%
Other liabilities4,8615,8085,881(16%)(17%)
Long-term debt16,38016,31013,71419%
Total Liabilities195,402196,423190,125(1%)3%
Equity
Common stock(c)
2,0512,0512,051
Preferred stock2,1162,1162,116
Capital surplus3,7573,7333,6841%2%
Retained earnings22,99722,74721,6891%6%
Accumulated other comprehensive loss(4,487)(6,839)(5,110)(34%)(12%)
Treasury stock(7,262)(7,264)(7,103)2%
Total Equity19,17216,54417,32716%11%
Total Liabilities and Equity$214,574$212,967$207,4521%3%
(a) Amortized cost$55,789$55,557$57,530(3%)
(b) Market values(60%)
(c) Common shares, stated value $2.22 per share (in thousands):
Authorized2,000,0002,000,0002,000,000
Outstanding, excluding treasury681,125680,990683,386
Treasury242,768242,903240,507


15


Fifth Third Bancorp and Subsidiaries
Consolidated Balance Sheets
$ in millions, except per share dataAs of
(unaudited)DecemberSeptemberJuneMarchDecember
20232023202320232022
Assets
Cash and due from banks$3,142$2,837$2,594$2,780$3,466
Other short-term investments22,08218,92310,9439,7948,351
Available-for-sale debt and other securities(a)
50,41947,89349,32950,71951,503
Held-to-maturity securities(b)
22225
Trading debt securities8991,2221,1391,174414
Equity securities613250331323317
Loans and leases held for sale3786147607491,007
Portfolio loans and leases:
  Commercial and industrial loans53,27055,79056,89757,72057,232
  Commercial mortgage loans11,27611,12211,31011,22811,020
  Commercial construction loans5,6215,5825,4755,5485,433
  Commercial leases2,5792,6242,6702,7432,704
Total commercial loans and leases72,74675,11876,35277,23976,389
  Residential mortgage loans17,02617,29317,50317,60817,628
  Home equity3,9163,8983,9113,9584,039
  Indirect secured consumer loans14,96515,43416,09716,48416,552
  Credit card1,8651,8171,8181,7611,874
  Other consumer loans6,7166,5286,2105,8074,998
Total consumer loans44,48844,97045,53945,61845,091
Portfolio loans and leases117,234120,088121,891122,857121,480
Allowance for loan and lease losses(2,322)(2,340)(2,327)(2,215)(2,194)
Portfolio loans and leases, net114,912117,748119,564120,642119,286
Bank premises and equipment2,3492,3032,2752,2192,187
Operating lease equipment459480537578627
Goodwill4,9194,9194,9194,9154,915
Intangible assets125136146157169
Servicing rights1,7371,8221,7641,7251,746
Other assets12,53813,81812,97312,88013,459
Total Assets$214,574$212,967$207,276$208,657$207,452
Liabilities
Deposits:
  Demand $43,146$43,844$45,264$49,649$53,125
  Interest checking57,25753,42152,74349,92451,653
  Savings 18,21520,19521,34222,56323,469
  Money market 34,37433,49230,01228,48228,220
  Foreign office 162168182134182
CDs $250,000 or less10,55210,3068,8336,6243,809
CDs over $250,0005,2066,2465,7525,5993,232
Total deposits168,912167,672164,128162,975163,690
Federal funds purchased193205163177180
Other short-term borrowings2,8614,5945,8177,3644,838
Accrued taxes, interest and expenses2,1951,8341,7651,5771,822
Other liabilities4,8615,8085,3165,3075,881
Long-term debt16,38016,31012,27812,89313,714
Total Liabilities195,402196,423189,467190,293190,125
Equity
Common stock(c)
2,0512,0512,0512,0512,051
Preferred stock2,1162,1162,1162,1162,116
Capital surplus3,7573,7333,7083,6823,684
Retained earnings22,99722,74722,36622,03221,689
Accumulated other comprehensive loss(4,487)(6,839)(5,166)(4,245)(5,110)
Treasury stock(7,262)(7,264)(7,266)(7,272)(7,103)
Total Equity19,17216,54417,80918,36417,327
Total Liabilities and Equity$214,574$212,967$207,276$208,657$207,452
(a) Amortized cost$55,789$55,557$55,399$55,958$57,530
(b) Market values22225
(c) Common shares, stated value $2.22 per share (in thousands):
Authorized2,000,0002,000,0002,000,0002,000,0002,000,000
Outstanding, excluding treasury681,125680,990680,850680,537683,386
Treasury242,768242,903243,042243,356240,507
16


Fifth Third Bancorp and Subsidiaries
Consolidated Statements of Changes in Equity
$ in millions
(unaudited)
For the Three Months EndedYear to Date
DecemberDecemberDecemberDecember
2023202220232022
Total Equity, Beginning$16,544$16,736$17,327$22,210
Impact of cumulative effect of change in accounting principle37
Net income5307372,3492,446
Other comprehensive income (loss), net of tax:
Change in unrealized gains (losses):
Available-for-sale debt securities1,74686495(5,480)
Qualifying cash flow hedges60598126(851)
Change in accumulated other comprehensive income related to employee benefit plans112214
Comprehensive income (loss)2,8829332,972(3,871)
Cash dividends declared:
Common stock(242)(229)(941)(877)
Preferred stock(38)(38)(137)(116)
Impact of stock transactions under stock compensation plans, net262511581
Shares acquired for treasury(100)(201)(100)
Total Equity, Ending$19,172$17,327$19,172$17,327
17


Fifth Third Bancorp and Subsidiaries
Regulatory Capital
$ in millionsAs of
(unaudited)DecemberSeptemberJuneMarchDecember
2023(a)
2023202320232022
Regulatory Capital(b)
CET1 capital$16,800$16,510$16,100$15,727$15,670
Additional tier 1 capital2,1162,1162,1162,1162,116
Tier 1 capital18,91618,62618,21617,84317,786
Tier 2 capital3,4843,4853,5653,5883,820
Total regulatory capital$22,400$22,111$21,781$21,431$21,606
Risk-weighted assets
$163,278$168,433$169,720$169,510$168,909
Ratios
Average total Bancorp shareholders' equity as a percent of average assets
8.04 %8.30 %8.90 %8.77 %8.18 %
Regulatory Capital Ratios(b)
Fifth Third Bancorp
CET1 capital
10.29 %9.80 %9.49 %9.28 %9.28 %
Tier 1 risk-based capital
11.59 %11.06 %10.73 %10.53 %10.53 %
Total risk-based capital
13.72 %13.13 %12.83 %12.64 %12.79 %
Leverage8.73 %8.85 %8.81 %8.67 %8.56 %
Fifth Third Bank, National Association
Tier 1 risk-based capital
12.42 %11.96 %11.25 %11.63 %11.31 %
Total risk-based capital
13.85 %13.38 %12.67 %13.05 %12.81 %
Leverage9.37 %9.59 %9.26 %9.62 %9.23 %
(a)Current period regulatory capital data and ratios are estimated.
(b)Regulatory capital ratios are calculated pursuant to the five-year transition provision option to phase in the effects of CECL on regulatory capital after its adoption on January 1, 2020.
18



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),” “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, 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.
19


Fifth Third Bancorp and Subsidiaries
Non-GAAP Reconciliation
$ and shares in millionsAs of and For the Three Months Ended
(unaudited)DecemberSeptemberJuneMarchDecember
20232023202320232022
Net interest income$1,416$1,438$1,457$1,517$1,577
Add: Taxable equivalent adjustment77655
Net interest income (FTE) (a)1,4231,4451,4631,5221,582
Net interest income (annualized) (b)5,6185,7055,8446,1526,257
Net interest income (FTE) (annualized) (c)5,6465,7335,8686,1736,276
Interest income2,6482,5292,3702,2132,075
Add: Taxable equivalent adjustment77655
Interest income (FTE)2,6552,5362,3762,2182,080
Interest income (FTE) (annualized) (d)10,53310,0619,5308,9958,252
Interest expense (annualized) (e)4,8884,3283,6622,8231,976
Average interest-earning assets (f)198,166192,216189,060187,407187,640
Average interest-bearing liabilities (g)146,507139,779134,590129,280126,390
Net interest margin (b) / (f)2.83 %2.97 %3.09 %3.28 %3.33 %
Net interest margin (FTE) (c) / (f)2.85 %2.98 %3.10 %3.29 %3.35 %
Net interest rate spread (FTE) (d) / (f) - (e) / (g)1.97 %2.13 %2.32 %2.62 %2.84 %
Income before income taxes$650$846$775$718$914
Add: Taxable equivalent adjustment77655
Income before income taxes (FTE)657853781723919
Net income available to common shareholders492623562535699
Add: Intangible amortization, net of tax888910
Tangible net income available to common shareholders (h)500631570544709
Tangible net income available to common shareholders (annualized) (i)1,9842,5032,2862,2062,813
Average Bancorp shareholders equity
17,20117,30518,34417,97716,857
Less: Average preferred stock(2,116)(2,116)(2,116)(2,116)(2,116)
Average goodwill(4,919)(4,919)(4,919)(4,915)(4,925)
Average intangible assets(130)(141)(152)(163)(176)
Average tangible common equity, including AOCI (j)10,03610,12911,15710,7839,640
Less:Average AOCI6,2445,8354,4804,4425,386
Average tangible common equity, excluding AOCI (k)16,28015,96415,63715,22515,026
Total Bancorp shareholders equity
19,17216,54417,80918,36417,327
Less:Preferred stock(2,116)(2,116)(2,116)(2,116)(2,116)
Goodwill(4,919)(4,919)(4,919)(4,915)(4,915)
Intangible assets(125)(136)(146)(157)(169)
Tangible common equity, including AOCI (l)12,0129,37310,62811,17610,127
Less:AOCI4,4876,8395,1664,2455,110
Tangible common equity, excluding AOCI (m)16,49916,21215,79415,42115,237
Add:Preferred stock2,1162,1162,1162,1162,116
Tangible equity (n)18,61518,32817,91017,53717,353
Total assets214,574212,967207,276208,657207,452
Less:Goodwill(4,919)(4,919)(4,919)(4,915)(4,915)
Intangible assets(125)(136)(146)(157)(169)
Tangible assets, including AOCI (o)209,530207,912202,211203,585202,368
Less:AOCI, before tax5,6808,6576,5395,3736,468
Tangible assets, excluding AOCI (p)$215,210$216,569$208,750$208,958$208,836
Common shares outstanding (q)681681681681683
Tangible equity (n) / (p)8.65 %8.46 %8.58 %8.39 %8.31 %
Tangible common equity (excluding AOCI) (m) / (p)7.67 %7.49 %7.57 %7.38 %7.30 %
Tangible common equity (including AOCI) (l) / (o)5.73 %4.51 %5.26 %5.49 %5.00 %
Tangible book value per share (including AOCI) (l) / (q)$17.64$13.76$15.61$16.41$14.83
Tangible book value per share (excluding AOCI) (m) / (q)$24.23$23.81$23.19$22.64$22.31
20


Fifth Third Bancorp and Subsidiaries
Non-GAAP Reconciliation
$ in millionsFor the Three Months Ended
(unaudited)DecemberSeptemberDecember
202320232022
Net income (r)$530$660$737
Net income (annualized) (s)2,1032,6182,924
Adjustments (pre-tax items)
FDIC special assessment224
Valuation of Visa total return swap221038
Fifth Third Foundation contribution15
Restructuring severance expense5
Branch impairment charges6
Adjustments, after-tax (t)(a)
205834
Adjustments (tax related items)
Tax benefit associated with resolution of certain acquisition related tax matters(17)(15)
Adjustments (tax related items) (u)(17)(15)
Noninterest income (v)744715735
Valuation of Visa total return swap221038
Branch impairment charges6
Adjusted noninterest income (w)766725779
Noninterest expense (x)1,4551,1881,218
FDIC special assessment(224)
Fifth Third Foundation contribution(15)
Restructuring severance expense(5)
Adjusted noninterest expense (y)1,2111,1881,218
Adjusted net income (r) + (t) + (u)718668756
Adjusted net income (annualized) (z)2,8492,6502,999
Adjusted tangible net income available to common shareholders (h) + (t) + (u)688639728
Adjusted tangible net income available to common shareholders (annualized) (aa)2,7302,5352,888
Average assets (ab)$214,057$208,385$206,017
Return on average tangible common equity (i) / (j)19.8 %24.7 %29.2 %
Return on average tangible common equity excluding AOCI (i) / (k)12.2 %15.7 %18.7 %
Adjusted return on average tangible common equity, including AOCI (aa) / (j)27.2 %25.0 %30.0 %
Adjusted return on average tangible common equity, excluding AOCI (aa) / (k)16.8 %15.9 %19.2 %
Return on average assets (s) / (ab)0.98 %1.26 %1.42 %
Adjusted return on average assets (z) / (ab)1.33 %1.27 %1.46 %
Efficiency ratio (FTE) (x) / [(a) + (v)]67.2 %55.0 %52.6 %
Adjusted efficiency ratio (y) / [(a) + (w)]55.3 %54.7 %51.6 %
Total revenue (FTE) (a) + (v)$2,167$2,160$2,317
Adjusted total revenue (FTE) (a) + (w)$2,189$2,170$2,361
Pre-provision net revenue (PPNR) (a) + (v) - (x)$712$972$1,099
Adjusted pre-provision net revenue (PPNR) (a) + (w) - (y)$978$982$1,143
Totals may not foot due to rounding; (a) Assumes a 23% tax rate
21
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Cover Page
Jan. 22, 2024
Entity Information [Line Items]  
Document Type 8-K
Document Period End Date Jan. 22, 2024
Entity Registrant Name Fifth Third Bancorp
Amendment Flag false
Entity Central Index Key 0000035527
Entity Incorporation, State or Country Code OH
Entity File Number 001-33653
Entity Tax Identification Number 31-0854434
Entity Address, Address Line One Fifth Third Center
Entity Address, Address Line Two 38 Fountain Square Plaza
Entity Address, City or Town Cincinnati
Entity Address, State or Province OH
Entity Address, Postal Zip Code 45263
City Area Code 800
Local Phone Number 972-3030
Written Communications false
Soliciting Material false
Pre-commencement Tender Offer false
Pre-commencement Issuer Tender Offer false
Entity Emerging Growth Company false
Common Stock  
Entity Information [Line Items]  
Title of 12(b) Security Common Stock, Without Par Value
Trading Symbol FITB
Security Exchange Name NASDAQ
Depositary Shares Representing a 1/1000th Ownership Interest in a Share of 6.625% Fixed-to-Floating Rate Non-Cumulative Perpetual Preferred Stock, Series I  
Entity Information [Line Items]  
Title of 12(b) Security Depositary Shares Representing a 1/1000th Ownership Interest in a Share of 6.625% Fixed-to-Floating Rate Non-Cumulative Perpetual Preferred Stock
Trading Symbol FITBI
Security Exchange Name NASDAQ
Depositary Shares Representing a 1/40th Ownership Interest in a Share of 6.00% Non-Cumulative Perpetual Class B Preferred Stock, Series A  
Entity Information [Line Items]  
Title of 12(b) Security Depositary Shares Representing a 1/40th Ownership Interest in a Share of 6.00% Non-Cumulative Perpetual Class B Preferred Stock, Series A
Trading Symbol FITBP
Security Exchange Name NASDAQ
Depositary Shares Representing a 1/1000th Ownership Interest in a Share of 4.95% Non-Cumulative Perpetual Preferred Stock, Series K  
Entity Information [Line Items]  
Title of 12(b) Security Depositary Shares Representing a 1/1000th Ownership Interest in a Share of 4.95% Non-Cumulative Perpetual Preferred Stock, Series K
Trading Symbol FITBO
Security Exchange Name NASDAQ
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