Form 8-K

0001193125-21-310467.txt : 20211028 0001193125-21-310467.hdr.sgml : 20211028 20211028085041 ACCESSION NUMBER: 0001193125-21-310467 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 15 CONFORMED PERIOD OF REPORT: 20211028 ITEM INFORMATION: Other Events ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20211028 DATE AS OF CHANGE: 20211028 FILER: COMPANY DATA: COMPANY CONFORMED NAME: FIFTH THIRD BANCORP CENTRAL INDEX KEY: 0000035527 STANDARD INDUSTRIAL CLASSIFICATION: STATE COMMERCIAL BANKS [6022] 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: 211355205 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 d164438d8k.htm FORM 8-K Form 8-K

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): October 28, 2021

LOGO

FIFTH THIRD BANCORP

(Exact Name of Registrant as Specified in Its Charter)

OHIO

(State or Other Jurisdiction

of Incorporation)


001-33653		31-0854434
(Commission File Number)		(IRS Employer Identification No.)


Fifth Third Center 38 Fountain Square Plaza, Cincinnati, Ohio		45263
(Address of Principal Executive Offices)		(Zip Code)

(800) 972-3030

(Registrant’s Telephone Number, Including Area Code)

Not Applicable

(Former Name or Former Address, if Changed Since Last Report)

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

☐

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

☐

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

☐

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

☐

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

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


Title of each class	Trading Symbol(s)	Name of each exchange on which registered
Common Stock, Without Par Value	FITB	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 filings certain information from its October 19, 2021 earnings release for the third quarter of 2021.

Item 9.01 Financial Statements and Exhibits

Exhibit 99.1 – Certain financial information contained in press release dated October 19, 2021

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: October 28, 2021						/s/ James C. Leonard
						James C. Leonard
						Executive Vice President and Chief Financial Officer

EX-99.1 2 d164438dex991.htm EX-99.1 EX-99.1

Exhibit 99.1


Key Financial Data
$ millions for all balance sheet and income statement items
	3Q21			2Q21			3Q20
Income Statement Data
Net income available to common shareholders	$	684		$	674		$	562
Net interest income (U.S. GAAP)		1,189			1,208			1,170
Net interest income (FTE)^(a)		1,192			1,211			1,173
Noninterest income		836			741			722
Noninterest expense		1,172			1,153			1,161
Per Share Data
Earnings per share, basic	$	0.98		$	0.95		$	0.78
Earnings per share, diluted		0.97			0.94			0.78
Book value per share		29.59			29.57			29.25
Tangible book value per share^(a)		22.79			23.34			23.06
Balance Sheet & Credit Quality
Average portfolio loans and leases	$	107,970		$	108,534		$	113,362
Average deposits		162,647			162,619			155,911
Net charge-off ratio^(b)		0.08	%		0.16	%		0.35	%
Nonperforming asset ratio^(c)		0.52			0.61			0.84
Financial Ratios
Return on average assets		1.36	%		1.38	%		1.14	%
Return on average common equity		13.0			13.0			10.7
Return on average tangible common equity^(a)		16.9			16.6			13.8
CET1 capital^(d)(e)		9.85			10.37			10.14
Net interest margin^(a)		2.59			2.63			2.58
Efficiency^(a)		57.8			59.1			61.3
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 Industry Guide 3 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.



	For the Three Months Ended
Income Statement Highlights	September			June			September			% Change
($ in millions, except per share data)	2021			2021			2020			Seq			Yr/Yr
Condensed Statements of Income
Net interest income (NII)^(a)	$	1,192		$	1,211		$	1,173			(2	)%		2	%
Benefit from credit losses		(42	)		(115	)		(15	)		(63	)%		180	%
Noninterest income		836			741			722			13	%		16	%
Noninterest expense		1,172			1,153			1,161			2	%		1	%

Income before income taxes^(a)	$	898		$	914		$	749			(2	)%		20	%

Taxable equivalent adjustment	$	3		$	3		$	3			—			—
Applicable income tax expense		191			202			165			(5	)%		16	%

Net income	$	704		$	709		$	581			(1	)%		21	%
Dividends on preferred stock		20			35			19			(43	)%		5	%

Net income available to common shareholders	$	684		$	674		$	562			1	%		22	%

Earnings per share, diluted	$	0.97		$	0.94		$	0.78			3	%		24	%

Fifth Third Bancorp (NASDAQ^®: FITB) today reported third quarter 2021 net income of $704 million compared to net income of $709 million in the prior quarter and $581 million in the year-ago quarter. Net income available to common shareholders in the current quarter was $684 million, or $0.97 per diluted share, compared to $674 million, or $0.94 per diluted share, in the prior quarter and $562 million, or $0.78 per diluted share, in the year-ago quarter.


Diluted earnings per share impact of certain items - 3Q21
*(after-tax impacts^(f); $ in millions, except per share data)*
Valuation of Visa total return swap (noninterest income)	$	(13	)
Fifth Third Foundation contribution expense		(12	)
HSA disposition gain (noninterest income)		46

After-tax impact^(f)of certain items	$	21
Diluted earnings per share impact of certain items¹	$	0.03

¹	Diluted earnings per share impact reflects 706.090 million average diluted shares outstanding



	For the Three Months Ended
Net Interest Income	September			June			September			% Change
(FTE; $ in millions)^(a)	2021			2021			2020			Seq			Yr/Yr
Interest Income
Interest income	$	1,295		$	1,326		$	1,332			(2	)%		(3	)%
Interest expense		103			115			159			(10	)%		(35	)%

Net interest income (NII)	$	1,192		$	1,211		$	1,173			(2	)%		2	%


Average Yield/Rate Analysis										bps Change
Yield on interest-earning assets		2.81	%		2.88	%		2.93	%		(7	)		(12	)
Rate paid on interest-bearing liabilities		0.36	%		0.40	%		0.51	%		(4	)		(15	)
Ratios
Net interest rate spread		2.45	%		2.48	%		2.42	%		(3	)		3
Net interest margin (NIM)		2.59	%		2.63	%		2.58	%		(4	)		1

Compared to the prior quarter, NII decreased $19 million, or 2%, primarily due to lower PPP-related income, lower yields on commercial loan balances (excluding PPP), and a reduction in prepayment penalties received in the investment portfolio, partially offset by higher day count and reductions in long-term debt. PPP-related interest income was $47 million compared to $53 million in the prior quarter. Compared to the prior quarter, NIM decreased 4 bps, primarily due to lower yields on commercial loan balances (excluding PPP), a reduction in prepayment penalties received in the investment portfolio, and higher day count, partially offset by reductions in long-term debt. Underlying NIM^(g) decreased 9 bps sequentially. Excess liquidity and PPP had a negative impact on reported NIM of approximately 44 bps in the current quarter, compared to 49 bps in the prior quarter.

Compared to the year-ago quarter, NII increased $19 million, or 2%, primarily reflecting the benefit of GNMA forbearance loan buyout purchases, lower deposit costs, a reduction in long-term debt, and higher interest income from PPP loans, partially offset by lower C&I, home equity, and credit card balances and the impact of lower market rates. Compared to the year-ago quarter, reported NIM increased 1 bp, primarily reflecting lower deposit costs, PPP-related income, and a reduction in long-term debt, partially offset by lower market rates, loan spread compression, and the impact of excess liquidity.



	For the Three Months Ended
Noninterest Income	September			June		September			% Change
($ in millions)	2021			2021		2020			Seq			Yr/Yr
Noninterest Income
Service charges on deposits	$	152		$	149	$	144			2	%		6	%
Commercial banking revenue		152			160		125			(5	)%		22	%
Mortgage banking net revenue		86			64		76			34	%		13	%
Wealth and asset management revenue		147			145		132			1	%		11	%
Card and processing revenue		102			102		92			—			11	%
Leasing business revenue		78			61		77			28	%		1	%
Other noninterest income		120			49		26			145	%		362	%
Securities (losses) gains, net		(1	)		10		51			NM			NM
Securities (losses) gains, net - non-qualifying hedges on mortgage servicing rights		—			1		(1	)		(100	)%		(100	)%

Total noninterest income	$	836		$	741	$	722			13	%		16	%

Reported noninterest income increased $95 million, or 13%, from the prior quarter, and increased $114 million, or 16%, from the year-ago quarter. The reported results reflect the impact of certain items in the table below, including securities gains and losses.



	For the Three Months Ended
Noninterest Income excluding certain items	September			June			September
($ in millions)	2021			2021			2020
Noninterest Income excluding certain items
Noninterest income (U.S. GAAP)	$	836		$	741		$	722
Valuation of Visa total return swap		17			37			22
HSA disposition gain		(60	)		—			—
Branch and non-branch real estate charges		—			—			10
Securities losses/(gains), net		1			(10	)		(51	)

Noninterest income excluding certain items^(a)	$	794		$	768		$	703

Compared to the prior quarter, noninterest income excluding certain items increased $26 million, or 3%. Compared to the year-ago quarter, noninterest income excluding certain items increased $91 million, or 13%.

Compared to the prior quarter, service charges on deposits increased $3 million, or 2%, reflecting an increase in both commercial and consumer deposit fees. Commercial banking revenue decreased $8 million, or 5%, primarily driven by lower financial risk management revenue and corporate bond fees, partially offset by an increase in M&A advisory revenue. Mortgage banking net revenue increased $22 million, or 34%, reflecting an incremental $12 million favorable impact from MSR net valuation adjustments and a $9 million decrease in MSR asset decay reflecting slower prepayment speeds. This was partially offset by a $3 million decrease in origination fees and gains on loan sales. Current quarter mortgage originations of $5.0 billion were flat compared to the prior quarter. Wealth and asset management revenue increased $2 million, or 1%, driven primarily by higher personal asset management revenue. Leasing business revenue increased $17 million, or 28%, primarily driven by an increase in business solutions revenue and lease syndication revenue.

Compared to the year-ago quarter, service charges on deposits increased $8 million, or 6%, reflecting an increase in both commercial treasury management and consumer deposit fees. Commercial banking revenue increased $27 million, or 22%, primarily driven by increases in loan syndication revenue and M&A advisory revenue, partially offset by lower corporate bond fees. Mortgage banking net revenue increased $10 million, or 13%, reflecting an incremental $17 million

favorable impact from MSR net valuation adjustments and an $11 million decrease in MSR asset decay reflecting slower prepayment speeds. This was partially offset by a $15 million decrease in origination fees and gains on loan sales. Wealth and asset management revenue increased $15 million, or 11%, primarily driven by higher personal asset management revenue and brokerage fees. Card and processing revenue increased $10 million, or 11%, primarily driven by higher spend volumes, partially offset by higher rewards. Leasing business revenue increased $1 million, or 1%, primarily reflecting increases in lease syndication revenue. Other noninterest income excluding certain items increased $19 million, primarily reflecting higher private equity income in the current quarter compared to the year-ago quarter.



	For the Three Months Ended
Noninterest Expense	September		June		September		% Change
($ in millions)	2021		2021		2020		Seq			Yr/Yr
Noninterest Expense
Compensation and benefits	$	627	$	638	$	637		(2	)%		(2	)%
Net occupancy expense		79		77		90		3	%		(12	)%
Technology and communications		98		94		89		4	%		10	%
Equipment expense		34		34		33		—			3	%
Card and processing expense		19		20		29		(5	)%		(34	)%
Leasing business expense		33		33		35		—			(6	)%
Marketing expense		29		20		23		45	%		26	%
Other noninterest expense		253		237		225		7	%		12	%

Total noninterest expense	$	1,172	$	1,153	$	1,161		2	%		1	%

Reported noninterest expense increased $19 million, or 2%, from the prior quarter, and increased $11 million, or 1%, from the year-ago quarter. The reported results reflect the impact of certain items in the table below.



	For the Three Months Ended
Noninterest Expense excluding certain items	September			June		September
($ in millions)	2021			2021		2020
Noninterest Expense excluding certain items
Noninterest expense (U.S. GAAP)	$	1,172		$	1,153	$	1,161
Fifth Third Foundation contribution		(15	)		—		—
Restructuring severance expense		—			—		(19	)
Branch and non-branch real estate charges		—			—		(9	)

Noninterest expense excluding certain items^(a)	$	1,157		$	1,153	$	1,133

Compared to the prior quarter, noninterest expense excluding certain items increased $4 million, primarily reflecting an increase in marketing expense associated with Fifth Third Momentum Banking, and an increase in travel and entertainment expense. This was partially offset by a decrease in compensation and benefits expense, primarily reflecting a decline in full-time equivalent employees compared to the prior quarter.

Compared to the year-ago quarter, noninterest expense excluding certain items increased $24 million, or 2%, primarily driven by an increase in performance-based compensation expense reflecting strong business results, expenses associated with the aforementioned GNMA forbearance loan buyout purchases, and an increase in travel and entertainment expense. This was partially offset by lower card and processing expense due to contract renegotiations and lower net occupancy expense. Full-time equivalent employees declined 5% compared to the year-ago quarter.



	For the Three Months Ended
Average Interest-Earning Assets	September		June		September		% Change
($ in millions)	2021		2021		2020		Seq			Yr/Yr
Average Portfolio Loans and Leases
Commercial loans and leases:
Commercial and industrial loans	$	47,766	$	48,773	$	54,004		(2	)%		(12	)%
Commercial mortgage loans		10,317		10,459		11,069		(1	)%		(7	)%
Commercial construction loans		5,728		6,043		5,534		(5	)%		4	%
Commercial leases		3,158		3,174		2,966		(1	)%		6	%

Total commercial loans and leases	$	66,969	$	68,449	$	73,573		(2	)%		(9	)%
Consumer loans:
Residential mortgage loans	$	16,223	$	15,883	$	16,618		2	%		(2	)%
Home equity		4,409		4,674		5,581		(6	)%		(21	)%
Indirect secured consumer loans		15,590		14,702		12,599		6	%		24	%
Credit card		1,748		1,770		2,134		(1	)%		(18	)%
Other consumer loans		3,031		3,056		2,857		(1	)%		6	%

Total consumer loans	$	41,001	$	40,085	$	39,789		2	%		3	%

Total average portfolio loans and leases	$	107,970	$	108,534	$	113,362		(1	)%		(5	)%

Memo:
Average PPP loans	$	3,071	$	4,810	$	5,216		(36	)%		(41	)%
Average portfolio commercial and industrial loans - excl. PPP loans	$	44,695	$	43,963	$	48,788		2	%		(8	)%
Average Loans and Leases Held for Sale
Commercial loans and leases held for sale	$	31	$	52	$	55		(40	)%		(44	)%
Consumer loans held for sale		5,527		5,857		1,196		(6	)%		362	%

Total average loans and leases held for sale	$	5,558	$	5,909	$	1,251		(6	)%		344	%
Securities (taxable and tax-exempt)	$	37,208	$	36,917	$	36,300		1	%		3	%
Other short-term investments		32,065		33,558		29,791		(4	)%		8	%

Total average interest-earning assets	$	182,801	$	184,918	$	180,704		(1	)%		1	%

Compared to the prior quarter, total average portfolio loans and leases decreased 1%, as a decline in commercial loan and lease balances (primarily due to PPP balance declines) was partially offset by an increase in consumer loans. Average commercial portfolio loans and leases decreased 2%, as a decline in PPP balances was partially offset by growth in C&I loans (excluding PPP). Average consumer portfolio loans increased 2%, as higher indirect secured consumer loans and residential mortgage loans were partially offset by lower home equity balances.

Compared to the year-ago quarter, total average portfolio loans and leases decreased 5%, as lower commercial loan and lease balances were partially offset by an increase in consumer loans. Average commercial portfolio loans and leases decreased 9% due to declines in C&I revolving line of credit utilization and term loan balances, PPP forgiveness, and lower commercial mortgage loans. Average consumer portfolio loans increased 3%, as higher indirect secured consumer loans were partially offset by lower home equity, residential mortgage, and credit card balances.

Average loans and leases held for sale were $6 billion in the current quarter compared to $6 billion in the prior quarter and $1 billion in the year-ago quarter. The increase from the year-ago quarter was primarily attributable to the aforementioned GNMA forbearance loan buyout purchases within consumer loans held for sale (approximately $4.0 billion purchased since December 2020, including $0.3 billion in September 2021).

Average securities (taxable and tax-exempt) of $37 billion in the current quarter increased $0.3 billion, or 1%, compared to the prior quarter and increased $1 billion, or 3%, compared to the year-ago quarter.

Average other short-term investments (including interest-bearing cash) of $32 billion in the current quarter decreased $1 billion, or 4%, compared to the prior quarter and increased $2 billion, or 8%, compared to the year-ago quarter.

Total period-end commercial portfolio loans and leases of $67 billion were flat compared to the prior quarter, as PPP forgiveness and lower construction loan balances were offset by an increase in C&I loan balances (excluding PPP). Compared to the year-ago quarter, total period-end commercial portfolio loans decreased $5 billion, or 6%, reflecting PPP forgiveness, lower C&I revolving line of credit utilization and term loan balances as well as lower commercial mortgage loans. Period-end commercial revolving line utilization was flat compared to the prior quarter at 31%, down from 33% in the year-ago quarter.

Period-end consumer portfolio loans of $41 billion increased 1% compared to the prior quarter, as continued growth in indirect secured consumer loans was partially offset by a decline in home equity balances. Compared to the year-ago quarter, total period-end consumer portfolio loans increased $2 billion, or 4%, reflecting higher indirect secured consumer loan balances, partially offset by lower home equity balances.



	For the Three Months Ended
Average Deposits	September		June		September		% Change
($ in millions)	2021		2021		2020		Seq			Yr/Yr
Average Deposits
Demand	$	62,626	$	61,994	$	50,414		1	%		24	%
Interest checking		45,128		45,307		49,800		—			(9	)%
Savings		20,941		20,494		17,013		2	%		23	%
Money market		30,514		30,844		31,151		(1	)%		(2	)%
Foreign office^(h)		195		140		189		39	%		3	%

Total transaction deposits	$	159,404	$	158,779	$	148,567		—			7	%
Other time		2,383		2,696		3,711		(12	)%		(36	)%

Total core deposits	$	161,787	$	161,475	$	152,278		—			6	%
Certificates - $100,000 and over		860		1,144		3,633		(25	)%		(76	)%

Total average deposits	$	162,647	$	162,619	$	155,911		—			4	%

Compared to the prior quarter, average core deposits were flat, as increases in demand and savings deposit balances were offset by decreases in money market deposit balances and other time deposit balances. The HSA deposit sale was finalized near the end of the third quarter, and consisted of approximately $360 million in average interest checking balances for the third quarter of 2021. Average demand deposits represented 39% of total core deposits in the current quarter compared to 38% in the prior quarter. Average commercial transaction deposits were flat and average consumer transaction deposits increased 1%.

Compared to the year-ago quarter, average core deposits increased 6%, driven by the impacts of fiscal and monetary stimulus combined with success in generating consumer household growth. Average commercial transaction deposits increased 2% and average consumer transaction deposits increased 14%.

The period end portfolio loan-to-core deposit ratio was 66% in the current quarter, compared to 67% in the prior quarter and 72% in the year-ago quarter. Excluding the impact of PPP loans, the period end portfolio loan-to-core deposit ratio was 64% in the current quarter, compared to 64% in the prior quarter and 69% in the year-ago quarter.



	For the Three Months Ended
Average Wholesale Funding	September		June		September		% Change
($ in millions)	2021		2021		2020		Seq			Yr/Yr
Average Wholesale Funding
Certificates - $100,000 and over	$	860	$	1,144	$	3,633		(25	)%		(76	)%
Federal funds purchased		348		346		273		1	%		27	%
Other short-term borrowings		1,122		1,097		1,626		2	%		(31	)%
Long-term debt		12,057		13,883		16,230		(13	)%		(26	)%

Total average wholesale funding	$	14,387	$	16,470	$	21,762		(13	)%		(34	)%

Compared to the prior quarter, average wholesale funding decreased 13%, reflecting the impact of reductions in long-term debt over the past two quarters (including the retirement of $850 million in long-term debt in September 2021), as well as continued runoff in jumbo CD balances. Compared to the year-ago quarter, average wholesale funding decreased 34%, reflecting decreases in long-term debt, jumbo CD balances, and other short-term borrowings.



	As of and For the Three Months Ended
Credit Quality Summary	September			June			March			December			September
($ in millions)	2021			2021			2021			2020			2020
Total nonaccrual portfolio loans and leases (NPLs)	$	528		$	621		$	741		$	834		$	891
Repossessed property		4			5			7			9			7
OREO		27			31			35			21			33

Total nonperforming portfolio loans and leases and OREO (NPAs)	$	559		$	657		$	783		$	864		$	931
NPL ratio⁽ⁱ⁾		0.49	%		0.58	%		0.68	%		0.77	%		0.80	%
NPA ratio^(c)		0.52	%		0.61	%		0.72	%		0.79	%		0.84	%
Total loans and leases 30-89 days past due (accrual)	$	267		$	281		$	305		$	357		$	323
Total loans and leases 90 days past due (accrual)		92			83			124			163			139
Allowance for loan and lease losses (ALLL), beginning	$	2,033		$	2,208		$	2,453		$	2,574		$	2,696
Total net losses charged-off		(21	)		(44	)		(71	)		(118	)		(101	)
Benefit from loan and lease losses		(58	)		(131	)		(174	)		(3	)		(21	)

ALLL, ending	$	1,954		$	2,033		$	2,208		$	2,453		$	2,574
Reserve for unfunded commitments, beginning	$	189		$	173		$	172		$	182		$	176
Provision for (benefit from) the reserve for unfunded commitments		16			16			1			(10	)		6

Reserve for unfunded commitments, ending	$	205		$	189		$	173		$	172		$	182

Total allowance for credit losses (ACL)	$	2,159		$	2,222		$	2,381		$	2,625		$	2,756
ACL ratios:
As a % of portfolio loans and leases		2.00	%		2.06	%		2.19	%		2.41	%		2.49	%
As a % of nonperforming portfolio loans and leases		409	%		358	%		321	%		315	%		309	%
As a % of nonperforming portfolio assets		386	%		338	%		304	%		304	%		296	%
ALLL as a % of portfolio loans and leases		1.81	%		1.89	%		2.03	%		2.25	%		2.32	%
Total losses charged-off	$	(56	)	$	(103	)	$	(109	)	$	(154	)	$	(135	)
Total recoveries of losses previously charged-off		35			59			38			36			34

Total net losses charged-off	$	(21	)	$	(44	)	$	(71	)	$	(118	)	$	(101	)
Net charge-off ratio (NCO ratio)^(b)		0.08	%		0.16	%		0.27	%		0.43	%		0.35	%
Commercial NCO ratio		0.03	%		0.10	%		0.17	%		0.40	%		0.33	%
Consumer NCO ratio		0.16	%		0.26	%		0.43	%		0.47	%		0.40	%

Nonperforming portfolio loans and leases were $528 million in the current quarter, with the resulting NPL ratio of 0.49%. Compared to the prior quarter, NPLs decreased $93 million with the NPL ratio decreasing 9 bps. Compared to the year-ago quarter, NPLs decreased $363 million with the NPL ratio decreasing 31 bps.

Nonperforming portfolio assets were $559 million in the current quarter, with the resulting NPA ratio of 0.52%. Compared to the prior quarter, NPAs decreased $98 million with the NPA ratio decreasing 9 bps. Compared to the year-ago quarter, NPAs decreased $372 million with the NPA ratio decreasing 32 bps.

The benefit from credit losses totaled $42 million in the current quarter. The allowance for credit loss ratio represented 2.00% of total portfolio loans and leases in the current quarter, compared with 2.06% in the prior quarter and 2.49% in the year-ago quarter. In the current quarter, the allowance for credit losses represented 409% of nonperforming portfolio loans and leases and 386% of nonperforming portfolio assets. The allowance for loan and lease losses ratio represented 1.81% of total portfolio loans and leases in the current quarter.

Net charge-offs were $21 million in the current quarter, with the resulting NCO ratio of 0.08%. Compared to the prior quarter, net charge-offs decreased $23 million and the NCO ratio decreased 8 bps, reflecting improvement in both commercial and consumer portfolios. Compared to the year-ago quarter, net charge-offs decreased $80 million and the NCO ratio decreased 27 bps.



	As of and For the Three Months Ended
	September			June			March			December			September
Capital Position	2021			2021			2021			2020			2020
Capital Position
Average total Bancorp shareholders’ equity as a % of average assets		11.16	%		11.11	%		11.26	%		11.34	%		11.33	%
Tangible equity^(a)		8.06	%		8.35	%		8.20	%		8.18	%		8.09	%
Tangible common equity (excluding AOCI)^(a)		7.01	%		7.28	%		7.14	%		7.11	%		6.99	%
Tangible common equity (including AOCI)^(a)		7.74	%		8.18	%		7.95	%		8.29	%		8.31	%
Regulatory Capital Ratios^(d)(e)
CET1 capital		9.85	%		10.37	%		10.46	%		10.34	%		10.14	%
Tier I risk-based capital		11.27	%		11.83	%		11.94	%		11.83	%		11.64	%
Total risk-based capital		13.92	%		14.60	%		14.80	%		15.08	%		14.93	%
Tier I leverage		8.35	%		8.55	%		8.61	%		8.49	%		8.37	%

Capital ratios remained strong this quarter. The CET1 capital ratio was 9.85%, the tangible common equity to tangible assets ratio was 7.01% excluding AOCI, and 7.74% including AOCI. The Tier I risk-based capital ratio was 11.27%, the Total risk-based capital ratio was 13.92%, and the Tier I leverage ratio was 8.35%. Certain capital ratios, including the Tier I leverage ratio, continued to be impacted by the increase in assets since the onset of the pandemic, predominantly from 0% risk-weighted assets resulting from interest-bearing cash as well as PPP loans.

During the third quarter of 2021, Fifth Third repurchased approximately $550 million of its outstanding stock, which reduced common shares by approximately 14.5 million at quarter end. Fifth Third also increased its quarterly cash dividend on its common shares $0.03, or 11%, to $0.30 per share for the third quarter of 2021.

Tax Rate

The effective tax rate was 21.3% compared with 22.1% in the prior quarter and 22.1% in the year-ago quarter.

Corporate Profile

Fifth Third Bancorp is a diversified financial services company headquartered in Cincinnati, Ohio, and the indirect parent company of Fifth Third Bank, National Association, a federally chartered institution. As of September 30, 2021, the Company had $208 billion in assets and operates 1,100 full-service Banking Centers, and 2,336 Fifth Third branded ATMs in Ohio, Kentucky, Indiana, Michigan, Illinois, Florida, Tennessee, West Virginia, Georgia, North Carolina and South Carolina. In total, Fifth Third provides its customers with access to approximately 52,000 fee-free ATMs across the United States. Fifth Third operates four main businesses: Commercial Banking, Branch Banking, Consumer Lending, and Wealth & Asset Management. Fifth Third is among the largest money managers in the Midwest and, as of September 30, 2021, had $541 billion in assets under care, of which it managed $61 billion for individuals, corporations and not-for-profit organizations through its Trust and Registered Investment Advisory businesses. Investor information and press releases can be viewed at www.53.com. Fifth Third’s common stock is traded on the NASDAQ^® Global Select Market under the symbol “FITB.”

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)

Third quarter 2021 underlying NIM calculated by reducing average interest-earning assets approximately $29.6 billion resulting from excess cash compared to normalized levels (average other short term investments less a $2.5 billion normalized level) and approximately $3.1 billion from average PPP balances (with a corresponding reduction to net interest income of approximately $47 million), resulting in an underlying NIM of approximately 3.03%; Second quarter 2021 underlying NIM calculated by reducing average interest-earning assets approximately $31.1 billion resulting from excess cash compared to normalized levels (average other short term investments less a $2.5 billion normalized level) and approximately $4.8 billion from average PPP balances (with a corresponding reduction to net interest income of approximately $53 million), resulting in an underlying NIM of approximately 3.12%.

(h)

Includes commercial customer Eurodollar sweep balances for which the Bank pays rates comparable to other commercial deposit accounts.

(i)

Nonperforming portfolio loans and leases as a percent of portfolio loans and leases and OREO.

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”). When considering these forward-looking statements, you should keep in mind these risks and uncertainties, as well as any cautionary statements we may make. 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 undertake no obligation to release revisions to these forward-looking statements or reflect events or circumstances after the date of this document.

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) effects of the global COVID-19 pandemic; (2) deteriorating credit quality; (3) loan concentration by location or industry of borrowers or collateral; (4) problems encountered by other financial institutions; (5) inadequate sources of funding or liquidity; (6) unfavorable actions of rating agencies; (7) inability to maintain or grow deposits; (8) limitations on the ability to receive dividends from subsidiaries; (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; (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; and (44) changes in law or requirements imposed by Fifth Third’s regulators impacting our capital actions, including dividend payments and stock repurchases.

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. 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.

# # #

Fifth Third Bancorp and Subsidiaries

Consolidated Statements of Income

$ in millions

(unaudited)


	For the Three Months Ended															Year to Date
	September			June			September			% Change						September			September		% Change
	2021			2021			2020			Seq			Yr/Yr			2021			2020		Yr/Yr
Interest Income
Interest and fees on loans and leases	$	1,014		$	1,035		$	1,047			(2	%)		(3	%)	$	3,078		$	3,397		(9	%)
Interest on securities		266			279			274			(5	%)		(3	%)		809			840		(4	%)
Interest on other short-term investments		12			9			8			33	%		50	%		29			20		45	%

Total interest income		1,292			1,323			1,329			(2	%)		(3	%)		3,916			4,257		(8	%)
Interest Expense
Interest on deposits		12			15			46			(20	%)		(74	%)		48			295		(84	%)
Interest on federal funds purchased		—			—			—			—			—			—			2		(100	%)
Interest on other short-term borrowings		—			—			5			—			(100	%)		1			13		(92	%)
Interest on long-term debt		91			100			108			(9	%)		(16	%)		293			347		(16	%)

Total interest expense		103			115			159			(10	%)		(35	%)		342			657		(48	%)

Net Interest Income		1,189			1,208			1,170			(2	%)		2	%		3,574			3,600		(1	%)
(Benefit from) provision for credit losses		(42	)		(115	)		(15	)		(63	%)		180	%		(330	)		1,110		NM

Net Interest Income After (Benefit from) Provision for Credit Losses		1,231			1,323			1,185			(7	%)		4	%		3,904			2,490		57	%
Noninterest Income
Service charges on deposits		152			149			144			2	%		6	%		445			414		7	%
Commercial banking revenue		152			160			125			(5	%)		22	%		465			387		20	%
Mortgage banking net revenue		86			64			76			34	%		13	%		235			295		(20	%)
Wealth and asset management revenue		147			145			132			1	%		11	%		436			387		13	%
Card and processing revenue		102			102			92			—			11	%		298			260		15	%
Leasing business revenue		78			61			77			28	%		1	%		226			207		9	%
Other noninterest income		120			49			26			145	%		362	%		211			42		402	%
Securities gains (losses), net		(1	)		10			51			NM			NM			12			48		(75	%)
Securities (losses) gains, net - non-qualifying hedges on mortgage servicing rights		—			1			(1	)		(100	%)		(100	%)		(2	)		3		NM
Total noninterest income		836			741			722			13	%		16	%		2,326			2,043		14	%
Noninterest Expense
Compensation and benefits		627			638			637			(2	%)		(2	%)		1,971			1,911		3	%
Net occupancy expense		79			77			90			3	%		(12	%)		235			254		(7	%)
Technology and communications		98			94			89			4	%		10	%		285			272		5	%
Equipment expense		34			34			33			—			3	%		102			97		5	%
Card and processing expense		19			20			29			(5	%)		(34	%)		70			89		(21	%)
Leasing business expense		33			33			35			—			(6	%)		102			103		(1	%)
Marketing expense		29			20			23			45	%		26	%		72			74		(3	%)
Other noninterest expense		253			237			225			7	%		12	%		704			682		3	%

Total noninterest expense		1,172			1,153			1,161			2	%		1	%		3,541			3,482		2	%

Income Before Income Taxes		895			911			746			(2	%)		20	%		2,689			1,051		156	%
Applicable income tax expense		191			202			165			(5	%)		16	%		582			228		155	%

Net Income		704			709			581			(1	%)		21	%		2,107			823		156	%
Dividends on preferred stock		20			35			19			(43	%)		5	%		75			69		9	%

Net Income Available to Common Shareholders	$	684		$	674		$	562			1	%		22	%	$	2,032		$	754		169	%

Fifth Third Bancorp and Subsidiaries

Consolidated Statements of Income

$ in millions

(unaudited)


	For the Three Months Ended
	September			June			March			December			September
	2021			2021			2021			2020			2020
Interest Income
Interest and fees on loans and leases	$	1,014		$	1,035		$	1,030		$	1,028		$	1,047
Interest on securities		266			279			264			278			274
Interest on other short-term investments		12			9			8			9			8

Total interest income		1,292			1,323			1,302			1,315			1,329
Interest Expense
Interest on deposits		12			15			21			27			46
Interest on other short-term borrowings		—			—			1			1			5
Interest on long-term debt		91			100			104			105			108

Total interest expense		103			115			126			133			159

Net Interest Income		1,189			1,208			1,176			1,182			1,170
Benefit from credit losses		(42	)		(115	)		(173	)		(13	)		(15	)

Net Interest Income After Benefit from Credit Losses		1,231			1,323			1,349			1,195			1,185
Noninterest Income
Service charges on deposits		152			149			144			146			144
Commercial banking revenue		152			160			153			141			125
Mortgage banking net revenue		86			64			85			25			76
Wealth and asset management revenue		147			145			143			133			132
Card and processing revenue		102			102			94			92			92
Leasing business revenue		78			61			87			69			77
Other noninterest income		120			49			42			168			26
Securities (losses) gains, net		(1	)		10			3			14			51
Securities (losses) gains, net - non-qualifying hedges on mortgage servicing rights		—			1			(2	)		(1	)		(1	)

Total noninterest income		836			741			749			787			722
Noninterest Expense
Compensation and benefits		627			638			706			679			637
Net occupancy expense		79			77			79			98			90
Technology and communications		98			94			93			90			89
Equipment expense		34			34			34			34			33
Card and processing expense		19			20			30			31			29
Leasing business expense		33			33			35			37			35
Marketing expense		29			20			23			30			23
Other noninterest expense		253			237			215			237			225

Total noninterest expense		1,172			1,153			1,215			1,236			1,161

Income Before Income Taxes		895			911			883			746			746
Applicable income tax expense		191			202			189			142			165

Net Income		704			709			694			604			581
Dividends on preferred stock		20			35			20			35			19

Net Income Available to Common Shareholders	$	684		$	674		$	674		$	569		$	562

Fifth Third Bancorp and Subsidiaries

Consolidated Balance Sheets

$ in millions, except per share data

(unaudited)


	As of
	September			June			September			% Change
	2021			2021			2020			Seq			Yr/Yr
Assets
Cash and due from banks	$	3,213		$	3,285		$	2,996			(2	%)		7	%
Other short-term investments		34,203			32,409			31,285			6	%		9	%
Available-for-sale debt and other securities^(a)		37,870			38,012			37,425			—			1	%
Held-to-maturity securities^(b)		8			10			15			(20	%)		(47	%)
Trading debt securities		685			711			704			(4	%)		(3	%)
Equity securities		329			341			277			(4	%)		19	%
Loans and leases held for sale		5,203			5,730			2,323			(9	%)		124	%
Portfolio loans and leases:
Commercial and industrial loans		47,834			47,564			51,695			1	%		(7	%)
Commercial mortgage loans		10,300			10,347			10,878			—			(5	%)
Commercial construction loans		5,456			5,871			5,656			(7	%)		(4	%)
Commercial leases		3,130			3,238			3,021			(3	%)		4	%

Total commercial loans and leases		66,720			67,020			71,250			—			(6	%)
Residential mortgage loans		16,158			16,131			16,158			—			—
Home equity		4,276			4,545			5,455			(6	%)		(22	%)
Indirect secured consumer loans		16,004			15,192			12,925			5	%		24	%
Credit card		1,744			1,793			2,087			(3	%)		(16	%)
Other consumer loans		3,009			3,052			2,856			(1	%)		5	%

Total consumer loans		41,191			40,713			39,481			1	%		4	%

Portfolio loans and leases		107,911			107,733			110,731			—			(3	%)
Allowance for loan and lease losses		(1,954	)		(2,033	)		(2,574	)		(4	%)		(24	%)

Portfolio loans and leases, net		105,957			105,700			108,157			—			(2	%)
Bank premises and equipment		2,101			2,073			2,090			1	%		1	%
Operating lease equipment		647			715			818			(10	%)		(21	%)
Goodwill		4,514			4,259			4,261			6	%		6	%
Intangible assets		169			117			157			44	%		8	%
Servicing rights		943			818			660			15	%		43	%
Other assets		11,889			11,210			10,828			6	%		10	%

Total Assets	$	207,731		$	205,390		$	201,996			1	%		3	%

Liabilities
Deposits:
Demand	$	63,879		$	62,760		$	51,896			2	%		23	%
Interest checking		45,964			44,872			49,566			2	%		(7	%)
Savings		21,423			20,667			17,221			4	%		24	%
Money market		30,652			30,564			31,192			—			(2	%)
Foreign office		202			152			160			33	%		26	%
Other time		2,204			2,408			3,337			(8	%)		(34	%)
Certificates $100,000 and over		784			860			3,311			(9	%)		(76	%)

Total deposits		165,108			162,283			156,683			2	%		5	%
Federal funds purchased		309			338			251			(9	%)		23	%
Other short-term borrowings		949			1,130			1,196			(16	%)		(21	%)
Accrued taxes, interest and expenses		2,083			2,045			2,500			2	%		(17	%)
Other liabilities		5,339			4,304			3,292			24	%		62	%
Long-term debt		11,419			12,364			15,123			(8	%)		(24	%)

Total Liabilities		185,207			182,464			179,045			2	%		3	%

Equity
Common stock^(c)		2,051			2,051			2,051			—			—
Preferred stock		2,116			2,116			2,116			—			—
Capital surplus		3,611			3,602			3,624			—			—
Retained earnings		19,817			19,343			18,010			2	%		10	%
Accumulated other comprehensive income		1,637			1,974			2,831			(17	%)		(42	%)
Treasury stock		(6,708	)		(6,160	)		(5,681	)		9	%		18	%

Total Equity		22,524			22,926			22,951			(2	%)		(2	%)

Total Liabilities and Equity	$	207,731		$	205,390		$	201,996			1	%		3	%

(a) Amortized cost	$	36,308		$	36,081		$	34,693			1	%		5	%
(b) Market values		8			10			15			(20	%)		(47	%)
(c) Common shares, stated value $2.22 per share (in thousands):
Authorized		2,000,000			2,000,000			2,000,000			—			—
Outstanding, excluding treasury		689,790			703,740			712,328			(2	%)		(3	%)
Treasury		234,102			220,153			211,565			6	%		11	%

Fifth Third Bancorp and Subsidiaries

Consolidated Balance Sheets

$ in millions, except per share data

(unaudited)


	As of
	September			June			March			December			September
	2021			2021			2021			2020			2020
Assets
Cash and due from banks	$	3,213		$	3,285		$	3,122		$	3,147		$	2,996
Other short-term investments		34,203			32,409			34,187			33,399			31,285
Available-for-sale debt and other securities^(a)		37,870			38,012			37,595			37,513			37,425
Held-to-maturity securities^(b)		8			10			10			11			15
Trading debt securities		685			711			728			560			704
Equity securities		329			341			315			313			277
Loans and leases held for sale		5,203			5,730			5,477			4,741			2,323
Portfolio loans and leases:
Commercial and industrial loans		47,834			47,564			49,094			49,665			51,695
Commercial mortgage loans		10,300			10,347			10,481			10,602			10,878
Commercial construction loans		5,456			5,871			6,198			5,815			5,656
Commercial leases		3,130			3,238			3,255			2,915			3,021

Total commercial loans and leases		66,720			67,020			69,028			68,997			71,250
Residential mortgage loans		16,158			16,131			15,776			15,928			16,158
Home equity		4,276			4,545			4,815			5,183			5,455
Indirect secured consumer loans		16,004			15,192			14,336			13,653			12,925
Credit card		1,744			1,793			1,810			2,007			2,087
Other consumer loans		3,009			3,052			3,090			3,014			2,856

Total consumer loans		41,191			40,713			39,827			39,785			39,481

Portfolio loans and leases		107,911			107,733			108,855			108,782			110,731
Allowance for loan and lease losses		(1,954	)		(2,033	)		(2,208	)		(2,453	)		(2,574	)

Portfolio loans and leases, net		105,957			105,700			106,647			106,329			108,157
Bank premises and equipment		2,101			2,073			2,072			2,088			2,090
Operating lease equipment		647			715			718			777			818
Goodwill		4,514			4,259			4,259			4,258			4,261
Intangible assets		169			117			127			139			157
Servicing rights		943			818			784			656			660
Other assets		11,889			11,210			10,858			10,749			10,828

Total Assets	$	207,731		$	205,390		$	206,899		$	204,680		$	201,996

Liabilities
Deposits:
Demand	$	63,879		$	62,760		$	61,363		$	57,711		$	51,896
Interest checking		45,964			44,872			45,582			47,270			49,566
Savings		21,423			20,667			20,162			18,258			17,221
Money market		30,652			30,564			30,630			30,650			31,192
Foreign office		202			152			113			143			160
Other time		2,204			2,408			2,759			3,023			3,337
Certificates $100,000 and over		784			860			1,784			2,026			3,311

Total deposits		165,108			162,283			162,393			159,081			156,683
Federal funds purchased		309			338			302			300			251
Other short-term borrowings		949			1,130			1,106			1,192			1,196
Accrued taxes, interest and expenses		2,083			2,045			1,879			2,614			2,500
Other liabilities		5,339			4,304			3,881			3,409			3,292
Long-term debt		11,419			12,364			14,743			14,973			15,123

Total Liabilities		185,207			182,464			184,304			181,569			179,045

Equity
Common stock^(c)		2,051			2,051			2,051			2,051			2,051
Preferred stock		2,116			2,116			2,116			2,116			2,116
Capital surplus		3,611			3,602			3,592			3,635			3,624
Retained earnings		19,817			19,343			18,863			18,384			18,010
Accumulated other comprehensive income		1,637			1,974			1,792			2,601			2,831
Treasury stock		(6,708	)		(6,160	)		(5,819	)		(5,676	)		(5,681	)

Total Equity		22,524			22,926			22,595			23,111			22,951

Total Liabilities and Equity	$	207,731		$	205,390		$	206,899		$	204,680		$	201,996

(a) Amortized cost	$	36,308		$	36,081		$	35,963		$	34,982		$	34,693
(b) Market values		8			10			10			11			15
(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		689,790			703,740			711,596			712,760			712,328
Treasury		234,102			220,153			212,297			211,132			211,565

Fifth Third Bancorp and Subsidiaries

Consolidated Statements of Changes in Equity

$ in millions

(unaudited)


	For the Three Months Ended						Year to Date
	September			September			September			September
	2021			2020			2021			2020
Total Equity, Beginning	$	22,926		$	22,335		$	23,111		$	21,203
Net income		704			581			2,107			823
Other comprehensive (loss) income, net of tax:
Change in unrealized (losses) gains:
Available-for-sale debt securities		(282	)		(66	)		(741	)		1,272
Qualifying cash flow hedges		(56	)		(55	)		(226	)		364
Change in accumulated other comprehensive income related to employee benefit plans		1			1			3			3

Comprehensive income		367			461			1,143			2,462
Cash dividends declared:
Common stock		(210	)		(195	)		(597	)		(585	)
Preferred stock		(20	)		(19	)		(75	)		(69	)
Impact of stock transactions under stock compensation plans, net		11			23			20			66
Shares acquired for treasury		(550	)		—			(1,077	)		—
Other		—			—			(1	)		—
Issuance of preferred stock		—			346			—			346
Impact of cumulative effect of change in accounting principles		—			—			—			(472	)

Total Equity, Ending	$	22,524		$	22,951		$	22,524		$	22,951

Fifth Third Bancorp and Subsidiaries

Regulatory Capital

$ in millions

(unaudited)


	As of
	September			June			March			December			September
	2021^(a)			2021			2021			2020			2020
*Regulatory Capital^(b)***
CET1 capital	$	14,673		$	15,050		$	14,931		$	14,682		$	14,307
Additional tier I capital		2,116			2,116			2,117			2,115			2,115

Tier I capital		16,789			17,166			17,048			16,797			16,422
Tier II capital		3,952			4,018			4,083			4,615			4,645

Total regulatory capital	$	20,741		$	21,184		$	21,131		$	21,412		$	21,067

Risk-weighted assets	$	148,982		$	145,084		$	142,799		$	141,974		$	141,083
Ratios
Average total Bancorp shareholders’ equity as a percent of average assets		11.16	%		11.11	%		11.26	%		11.34	%		11.33	%
*Regulatory Capital Ratios^(b)***
Fifth Third Bancorp
CET1 capital		9.85	%		10.37	%		10.46	%		10.34	%		10.14	%
Tier I risk-based capital		11.27	%		11.83	%		11.94	%		11.83	%		11.64	%
Total risk-based capital		13.92	%		14.60	%		14.80	%		15.08	%		14.93	%
Tier I leverage		8.35	%		8.55	%		8.61	%		8.49	%		8.37	%
Fifth Third Bank
Tier I risk-based capital		11.26	%		11.67	%		12.70	%		12.28	%		12.25	%
Total risk-based capital		12.79	%		13.27	%		14.41	%		14.17	%		14.14	%
Tier I leverage		8.35	%		8.46	%		9.19	%		8.85	%		8.85	%

(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.

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,” “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,” “underlying net interest margin,” “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.

Fifth Third Bancorp and Subsidiaries

Non-GAAP Reconciliation


$ and shares in millions		As of and For the Three Months Ended
(unaudited)		September 2021			June 2021			March 2021			December 2020			September 2020

Net interest income		$	1,189		$	1,208		$	1,176		$	1,182		$	1,170
Add: Taxable equivalent adjustment			3			3			3			3			3

Net interest income (FTE) (a)			1,192			1,211			1,179			1,185			1,173

Net interest income (annualized) (b)			4,717			4,845			4,769			4,702			4,655
Net interest income (FTE) (annualized) (c)			4,729			4,857			4,782			4,714			4,667
Interest income			1,292			1,323			1,302			1,315			1,329
Add: Taxable equivalent adjustment			3			3			3			3			3

Interest income (FTE)			1,295			1,326			1,305			1,318			1,332
Interest income (FTE) (annualized) (d)			5,138			5,319			5,293			5,243			5,299
Interest expense (annualized) (e)			409			461			511			529			633
Average interest-earning assets (f)			182,801			184,918			182,715			182,418			180,704
Average interest-bearing liabilities (g)			113,548			115,951			116,684			118,677			123,626
Net interest margin (b) / (f)			2.58	%		2.62	%		2.61	%		2.58	%		2.58	%

Net interest margin (FTE) (c) / (f)			2.59	%		2.63	%		2.62	%		2.58	%		2.58	%
Net interest rate spread (FTE) (d) / (f) - (e) / (g)			2.45	%		2.48	%		2.46	%		2.42	%		2.42	%

Income before income taxes		$	895		$	911		$	883		$	746		$	746
Add: Taxable equivalent adjustment			3			3			3			3			3

Income before income taxes (FTE)		$	898		$	914		$	886		$	749		$	749

Net income available to common shareholders		$	684		$	674		$	674		$	569		$	562
Add: Intangible amortization, net of tax			9			8			9			9			9

Tangible net income available to common shareholders (h)			693			682			683			578			571
Tangible net income available to common shareholders (annualized) (i)			2,749			2,735			2,770			2,299			2,272
Average Bancorp shareholders’ equity			22,927			22,927			22,952			23,126			22,952
Less:	Average preferred stock		(2,116	)		(2,116	)		(2,116	)		(2,116	)		(2,007	)
	Average goodwill		(4,430	)		(4,259	)		(4,259	)		(4,261	)		(4,261	)
	Average intangible assets		(149	)		(122	)		(133	)		(151	)		(164	)

Average tangible common equity, including AOCI (j)			16,232			16,430			16,444			16,598			16,520
Less:	Average AOCI		(1,980	)		(1,968	)		(2,231	)		(2,623	)		(2,919	)

Average tangible common equity, excluding AOCI (k)			14,252			14,462			14,213			13,975			13,601
Total Bancorp shareholders’ equity			22,524			22,926			22,595			23,111			22,951
Less:	Preferred stock		(2,116	)		(2,116	)		(2,116	)		(2,116	)		(2,116	)
	Goodwill		(4,514	)		(4,259	)		(4,259	)		(4,258	)		(4,261	)
	Intangible assets		(169	)		(117	)		(127	)		(139	)		(157	)

Tangible common equity, including AOCI (l)			15,725			16,434			16,093			16,598			16,417
Less:	AOCI		(1,637	)		(1,974	)		(1,792	)		(2,601	)		(2,831	)

Tangible common equity, excluding AOCI (m)			14,088			14,460			14,301			13,997			13,586
Add:	Preferred stock		2,116			2,116			2,116			2,116			2,116

Tangible equity (n)			16,204			16,576			16,417			16,113			15,702
Total assets			207,731			205,390			206,899			204,680			201,996
Less:	Goodwill		(4,514	)		(4,259	)		(4,259	)		(4,258	)		(4,261	)
	Intangible assets		(169	)		(117	)		(127	)		(139	)		(157	)

Tangible assets, including AOCI (o)			203,048			201,014			202,513			200,283			197,578
Less:	AOCI, before tax		(2,072	)		(2,499	)		(2,268	)		(3,292	)		(3,584	)

Tangible assets, excluding AOCI (p)		$	200,976		$	198,515		$	200,245		$	196,991		$	193,994
Common shares outstanding (q)			690			704			712			713			712

Tangible equity (n) / (p)			8.06	%		8.35	%		8.20	%		8.18	%		8.09	%
Tangible common equity (excluding AOCI) (m) / (p)			7.01	%		7.28	%		7.14	%		7.11	%		6.99	%
Tangible common equity (including AOCI) (l) / (o)			7.74	%		8.18	%		7.95	%		8.29	%		8.31	%
Tangible book value per share (l) / (q)		$	22.79		$	23.34		$	22.60		$	23.28		$	23.06

Fifth Third Bancorp and Subsidiaries

Non-GAAP Reconciliation

$ in millions

(unaudited)


	For the Three Months Ended
	September			June			September
	2021			2021			2020
Net income (r)	$	704		$	709		$	581
Net income (annualized) (s)		2,793			2,844			2,311
Adjustments (pre-tax items)
Valuation of Visa total return swap		17			37			22
Fifth Third Foundation contribution		15			—			—
HSA disposition gain		(60	)		—			—
Branch and non-branch real estate charges		—			—			19
Restructuring severance expense		—			—			19

Adjustments, after-tax (t)^(a)		(21	)		28			46
Noninterest income (u)		836			741			722
Valuation of Visa total return swap		17			37			22
HSA disposition gain		(60	)		—			—
Branch and non-branch real estate charges		—			—			10

Adjusted noninterest income (v)		793			778			754
Noninterest expense (w)		1,172			1,153			1,161
Fifth Third Foundation contribution		(15	)		—			—
Branch and non-branch real estate charges		—			—			(9	)
Restructuring severance expense		—			—			(19	)

Adjusted noninterest expense (x)		1,157			1,153			1,133
Adjusted net income (r) + (t)		683			737			627
Adjusted net income (annualized) (y)		2,710			2,956			2,494
Adjusted tangible net income available to common shareholders (h) + (t)		672			710			617
Adjusted tangible net income available to common shareholders (annualized) (z)		2,666			2,848			2,455
Average assets (aa)	$	205,449		$	206,353		$	202,533

Return on average tangible common equity (i) / (j)		16.9	%		16.6	%		13.8	%
Return on average tangible common equity excluding AOCI (i) / (k)		19.3	%		18.9	%		16.7	%
Adjusted return on average tangible common equity, including AOCI (z) / (j)		16.4	%		17.3	%		14.9	%
Adjusted return on average tangible common equity, excluding AOCI (z) / (k)		18.7	%		19.7	%		18.1	%

Return on average assets (s) / (aa)		1.36	%		1.38	%		1.14	%

Adjusted return on average assets (y) / (aa)		1.32	%		1.43	%		1.23	%
Efficiency ratio (FTE) (w) / [(a) + (u)]		57.8	%		59.1	%		61.3	%
Adjusted efficiency ratio (x) / [(a) + (v)]		58.3	%		58.0	%		58.8	%
Total revenue (FTE) (a) + (u)	$	2,028		$	1,952		$	1,895
Pre-provision net revenue (PPNR) (a) + (u)—(w)	$	856		$	799		$	734
Adjusted pre-provision net revenue (PPNR) (a) + (v)—(x)	$	828		$	836		$	794

Totals may not foot due to rounding; (a) Assumes a 23% tax rate

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Document and Entity Information	Oct. 28, 2021
Document And Entity Information [Line Items]
Entity Incorporation State Country Code	OH
Amendment Flag	false
Entity Central Index Key	0000035527
Document Type	8-K
Document Period End Date	Oct. 28, 2021
Entity Registrant Name	FIFTH THIRD BANCORP
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 [Member]
Document And Entity Information [Line Items]
Security 12b Title	Common Stock, Without Par Value
Trading Symbol	FITB
Security Exchange Name	NASDAQ
Depositary Shares Representing A 11000th Ownership Interest In A Share Of 6.625 Fixed To Floating Rate Not Cumulative Perpetual Preferred Stock Series I 2 [Member]
Document And Entity Information [Line Items]
Security 12b Title	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 140th Ownership Interest In A Share Of 6.00 Not Cumulative Perpetual Class B Preferred Stock Series A [Member]
Document And Entity Information [Line Items]
Security 12b Title	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 11000th Ownership Interest In A Share Of 4.95 Not Cumulative Perpetual Preferred Stock Series K [Member]
Document And Entity Information [Line Items]
Security 12b Title	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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