0000035527-23-000210.txt : 20230724 0000035527-23-000210.hdr.sgml : 20230724 20230724082003 ACCESSION NUMBER: 0000035527-23-000210 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 15 CONFORMED PERIOD OF REPORT: 20230724 ITEM INFORMATION: Other Events ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20230724 DATE AS OF CHANGE: 20230724 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: 231103798 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-20230724.htm 8-K fitb-20230724
false0000035527Fifth Third BancorpDepositary Shares Representing a 1/1000th Ownership Interest in a Share of 6.625% Fixed-to-Floating Rate Non-Cumulative Perpetual Preferred Stock00000355272023-07-242023-07-240000035527us-gaap:CommonStockMember2023-07-242023-07-240000035527fitb:DepositarySharesRepresentingA11000thOwnershipInterestInAShareOf6.625FixedToFloatingRateNotCumulativePerpetualPreferredStockSeriesI2Member2023-07-242023-07-240000035527fitb:DepositarySharesRepresentingA140thOwnershipInterestInAShareOf6.00NotCumulativePerpetualClassBPreferredStockSeriesAMember2023-07-242023-07-240000035527fitb:DepositarySharesRepresentingA11000thOwnershipInterestInAShareOf4.95NotCumulativePerpetualPreferredStockSeriesKMember2023-07-242023-07-24

UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, DC 20549
FORM 8-K
CURRENT REPORT
PURSUANT TO SECTION 13 OR 15(D)
OF THE SECURITIES EXCHANGE ACT OF 1934
Date of report (Date of earliest event reported): July 24, 2023
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 July 20, 2023 earnings release for the second quarter of 2023.

Item 9.01    Financial Statements and Exhibits

Exhibit 99.1 – Certain financial information contained in press release dated July 20, 2023

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


SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.
 FIFTH THIRD BANCORP
 (Registrant)
   
Date: July 24, 2023 /s/ James C. Leonard
   
 James C. Leonard
 Executive Vice President and
Chief Financial Officer


 EX-99.1 2 q22023earningsrelease_991d.htm EX-99.1 Document

Exhibit 99.1
Key Financial Data
$ in millions for all balance sheet and income statement items
2Q23
1Q23
2Q22
Income Statement Data
Net income available to common shareholders$562$535$526
Net interest income (U.S. GAAP)1,4571,5171,339
Net interest income (FTE)(a)
1,4631,5221,342
Noninterest income726696676
Noninterest expense1,2311,3311,112
Per Share Data
Earnings per share, basic$0.82$0.78$0.76
Earnings per share, diluted0.820.780.76
Book value per share23.0523.8724.56
Tangible book value per share(a)
15.6116.4117.10
Balance Sheet & Credit Quality
Average portfolio loans and leases$123,327$122,812$117,693
Average deposits160,857160,645162,890
Accumulated other comprehensive loss(5,166)(4,245)(2,644)
Net charge-off ratio(b)
0.29%0.26%0.21%
Nonperforming asset ratio(c)
0.540.510.47
Financial Ratios
Return on average assets1.17%1.10%1.09%
Return on average common equity13.913.712.3
Return on average tangible common equity(a)
20.520.517.5
CET1 capital(d)(e)
9.539.288.95
Net interest margin(a)
3.103.292.92
Efficiency(a)
56.260.055.1
Other than the Quarterly Financial Review tables, commentary is on a fully taxable-equivalent (FTE) basis unless otherwise noted. Consistent with SEC guidance in Regulation S-K that contemplates the calculation of tax-exempt income on a taxable-equivalent basis, net interest income, net interest margin, net interest rate spread, total revenue and the efficiency ratio are provided on an FTE basis.
Income Statement Highlights
($ in millions, except per share data)For the Three Months Ended% Change
JuneMarchJune
202320232022SeqYr/Yr
Condensed Statements of Income
Net interest income (NII)(a)
$1,463$1,522$1,342(4)%9%
Provision for credit losses1771641798%(1)%
Noninterest income7266966764%7%
Noninterest expense1,2311,3311,112(8)%11%
Income before income taxes(a)
$781$723$7278%7%
Taxable equivalent adjustment$6$5$320%100%
Applicable income tax expense1741601629%7%
Net income$601$558$5628%7%
Dividends on preferred stock39233670%8%
Net income available to common shareholders$562$535$5265%7%
Earnings per share, diluted$0.82$0.78$0.765%8%
Fifth Third Bancorp (NASDAQ®: FITB) today reported second quarter 2023 net income of $601 million compared to net income of $558 million in the prior quarter and $562 million in the year-ago quarter. Net income available to common shareholders in the current quarter was $562 million, or $0.82 per diluted share, compared to $535 million, or $0.78 per diluted share, in the prior quarter and $526 million, or $0.76 per diluted share, in the year-ago quarter.



Diluted earnings per share impact of certain item(s) - 2Q23
(after-tax impact(f); $ in millions, except per share data)
Valuation of Visa total return swap (noninterest income)$(23)
Restructuring severance expense(9)
After-tax impact(f) of certain items
$(32)
Diluted earnings per share impact of certain item(s)1
$(0.05)
Totals may not foot due to rounding; 1Diluted earnings per share impact reflects 686.386 million average diluted shares outstanding


2

Net Interest Income
(FTE; $ in millions)(a)
For the Three Months Ended% Change
JuneMarchJune
202320232022SeqYr/Yr
Interest Income
Interest income$2,376 $2,218 $1,467 7%62%
Interest expense91369612531%630%
Net interest income (NII)$1,463 $1,522 $1,342 (4)%9%
Average Yield/Rate Analysisbps Change
Yield on interest-earning assets5.04 %4.80 %3.19 %24185
Rate paid on interest-bearing liabilities2.72 %2.18 %0.43 %54229
Ratios
Net interest rate spread2.32 %2.62 %2.76 %(30)(44)
Net interest margin (NIM)3.10 %3.29 %2.92 %(19)18
Balance sheet actions continued to reflect a defensive positioning given the uncertain macroeconomic outlook and tightening liquidity conditions. As a result, NII decreased $59 million, or 4%, compared to the prior quarter. Actions undertaken during the quarter include a continuation of deposit gathering activities, which sustained the recent deposit mix shift trends from demand to interest-bearing accounts with higher costs. These increased deposit costs were partially offset by improved loan yields from higher market rates and the impact of higher day count. Compared to the prior quarter, NIM decreased 19 bps, primarily reflecting the aforementioned deposit dynamics and the impact of higher day count, partially offset by higher loan yields. NIM results continue to be impacted by the decision to carry elevated liquidity given the environment, with the combination of cash and due from banks and other short term investments reaching $14 billion at quarter-end.
Compared to the year-ago quarter, NII increased $121 million, or 9%, reflecting the net benefit of higher market rates, as well as growth in C&I loan balances and investment portfolio balances, partially offset by the deposit mix shift from demand to interest-bearing accounts and continued deposit repricing dynamics. Compared to the year-ago quarter, NIM increased 18 bps, reflecting the net benefit of higher market rates, growth in C&I loan balances and average investment portfolio balances, and a decline in excess cash, partially offset by the aforementioned deposit dynamics and an increase in wholesale funding.

3

Noninterest Income
($ in millions)For the Three Months Ended% Change
JuneMarchJune
202320232022SeqYr/Yr
Noninterest Income
Service charges on deposits$144$137$1545%(6)%
Commercial banking revenue146161137(9)%7%
Mortgage banking net revenue596931(14)%90%
Wealth and asset management revenue143146140(2)%2%
Card and processing revenue1061001056%1%
Leasing business revenue475756(18)%(16)%
Other noninterest income742285236%(13)%
Securities gains (losses), net74(32)75%NM
Securities losses, net - non-qualifying hedges
   on mortgage servicing rights———NMNM
Total noninterest income$726$696$6764%7%
Reported noninterest income increased $30 million, or 4%, from the prior quarter, and increased $50 million, or 7%, 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.

Noninterest Income excluding certain items
($ in millions)For the Three Months Ended
JuneMarchJune% Change
202320232022SeqYr/Yr
Noninterest Income excluding certain items
Noninterest income (U.S. GAAP)$726 $696 $676 
Valuation of Visa total return swap303118
Net disposition charges/(gain)——6
Securities (gains)/losses, net(7)(4)32
Noninterest income excluding certain items(a)
$749 $723 $7324%2% 
Noninterest income excluding certain items increased $26 million, or 4%, from the prior quarter, and increased $17 million, or 2%, from the year-ago quarter.
Compared to the prior quarter, service charges on deposits increased $7 million, or 5%, reflecting an increase in both consumer and commercial deposit fees. Commercial banking revenue decreased $15 million, or 9%, primarily reflecting lower loan syndication and M&A advisory revenue, partially offset by an increase in client financial risk management revenue. Mortgage banking net revenue decreased $10 million, or 14%, primarily reflecting an increase in MSR asset decay and a decrease in MSR net valuation adjustments, partially offset by an increase in origination fees and gains on loan sales. Wealth and asset management revenue decreased $3 million, or 2%, primarily driven by seasonally strong tax-related private client service revenue in the prior quarter, partially offset by higher personal asset management revenue. Card and processing revenue increased $6 million, or 6%, driven by higher interchange revenue. Leasing business revenue decreased $10 million, or 18%, reflecting lower lease remarketing revenue. The increase in other noninterest income was attributable to equity fund and direct investment income.
Compared to the year-ago quarter, service charges on deposits decreased $10 million, or 6%, primarily reflecting the market related impact of higher earnings credits and the elimination of consumer non-sufficient funds fees in July 2022. Commercial banking revenue increased $9 million, or 7%, primarily driven by increased loan syndication revenue and client financial risk management revenue, partially offset by a decrease in M&A advisory revenue. Mortgage banking net
4

revenue increased $28 million, or 90%, reflecting an increase from MSR net valuation adjustments and a decrease in MSR asset decay, partially offset by lower origination fees and gains on loan sales. Wealth and asset management revenue increased $3 million, or 2%, primarily reflecting higher personal asset management revenue. Card and processing revenue increased $1 million, or 1%, driven by higher interchange revenue partially offset by higher rewards. Leasing business revenue decreased $9 million, or 16%, reflecting lower lease remarketing revenue.
Noninterest Expense
($ in millions)For the Three Months Ended% Change
JuneMarchJune
202320232022SeqYr/Yr
Noninterest Expense
Compensation and benefits$650 $757 $584 (14)%11%
Net occupancy expense8381752%11%
Technology and communications11411898(3)%16%
Equipment expense363736(3)%—
Card and processing expense202220(9)%—
Leasing business expense313431(9)%—
Marketing expense3129287%11%
Other noninterest expense2662532405%11%
Total noninterest expense$1,231 $1,331 $1,112 (8)%11%

Reported noninterest expense decreased $100 million, or 8%, from the prior quarter, and increased $119 million, or 11%, from the year-ago quarter. The reported results reflect the impact of certain items in the table below, including restructuring severance expense from proactive actions taken to reduce ongoing expenses given the operating environment.
Noninterest Expense excluding certain item(s)
($ in millions)For the Three Months Ended% Change
JuneMarchJune
202320232022SeqYr/Yr
Noninterest Expense excluding certain item(s)
Noninterest expense (U.S. GAAP)$1,231 $1,331 $1,112 
Restructuring severance expense(12)(12)—
Noninterest expense excluding certain item(s)(a)
$1,219 $1,319 $1,112(8)%10%

Compared to the prior quarter, noninterest expense excluding certain items decreased $100 million, or 8%, primarily driven by decreases in compensation and benefits expense, technology and communications expense, and leasing business expense. Noninterest expense in the current quarter included a $10 million expense related to the impact of non-qualified deferred compensation mark-to-market compared to a $12 million expense in the prior quarter (both of which were largely offset in net securities gains through noninterest income).
Compared to the year-ago quarter, noninterest expense excluding certain items increased $107 million, or 10%, primarily reflecting an increase in compensation and benefits expense impacted by the acquisition of Dividend Finance and the minimum wage increase in July 2022, higher technology and communications expense related to continued modernization investments, as well as an increase in other noninterest expense (primarily reflecting the ongoing impact of the FDIC assessment to increase the deposit insurance fund). The year-ago quarter included a $27 million benefit to noninterest expense related to non-qualified deferred compensation mark-to-market (which was largely offset in net securities losses through noninterest income). Excluding the impacts of non-qualified deferred compensation mark-to-market and the FDIC assessment, noninterest expense excluding certain items increased $61 million, or 5%, compared to the year-ago quarter.
5

Average Interest-Earning Assets
($ in millions)For the Three Months Ended% Change
JuneMarchJune
202320232022SeqYr/Yr
Average Portfolio Loans and Leases
Commercial loans and leases:
Commercial and industrial loans$58,137 $58,149 $55,460 —5%
Commercial mortgage loans11,37311,12110,7102%6%
Commercial construction loans5,5355,5075,3561%3%
Commercial leases2,7002,6622,8391%(5)%
Total commercial loans and leases$77,745$77,439$74,365—5%
Consumer loans:
Residential mortgage loans$17,517$17,581$17,363—1%
Home equity3,9374,0053,895(2)%1%
Indirect secured consumer loans16,28116,59817,241(2)%(6)%
Credit card1,7831,7801,704—5%
Other consumer loans6,0645,4093,12512%94%
Total consumer loans$45,582$45,373$43,328—5%
Total average portfolio loans and leases$123,327 $122,812 $117,693 —5%
Memo:
Average PPP loans$37$66$549(44)%(93)%
Average portfolio commercial and industrial loans - excl. PPP loans$58,100$58,083$54,911—6%
Average Loans and Leases Held for Sale
Commercial loans and leases held for sale$19$56$7(66)%171%
Consumer loans held for sale6417472,536(14)%(75)%
Total average loans and leases held for sale$660$803$2,543(18)%(74)%
Total average loans and leases$123,987$123,615$120,236—3%
Securities (taxable and tax-exempt)$57,267$58,514$54,538(2)%5%
Other short-term investments7,8065,2789,63248%(19)%
Total average interest-earning assets$189,060$187,407$184,4061%3%
Compared to the prior quarter, total average portfolio loans and leases were flat, reflecting stable commercial and consumer portfolios. Average commercial portfolio loans and leases were flat, reflecting stable commercial and industrial (C&I) loan balances. Average consumer portfolio loans were flat, as an increase in other consumer loans (primarily Dividend Finance) was offset by a decrease in indirect secured consumer loan and home equity balances.
Compared to the year-ago quarter, total average portfolio loans and leases increased 5%, reflecting an increase in both commercial and consumer portfolios. Average commercial portfolio loans and leases increased 5%, primarily reflecting an increase in C&I and commercial mortgage loan balances, partially offset by a decrease in commercial lease balances. Average consumer portfolio loans increased 5%, as increases in both other consumer loans (primarily Dividend Finance) and residential mortgage loan balances were partially offset by a decrease in indirect secured consumer loan balances.
Average loans and leases held for sale were $0.7 billion in the current quarter compared to $0.8 billion in the prior quarter and $2.5 billion in the year-ago quarter.
Average securities (taxable and tax-exempt; amortized cost) of $57 billion in the current quarter decreased $1 billion, or 2%, compared to the prior quarter and increased $3 billion, or 5%, compared to the year-ago quarter. Average other short-term investments (including interest-bearing cash) of $8 billion in the current quarter increased $3 billion, or 48%, compared to the prior quarter and decreased $2 billion, or 19%, compared to the year-ago quarter.
6

Total period-end commercial portfolio loans and leases of $76 billion decreased 1% compared to the prior quarter, reflecting decreases in C&I loan balances primarily attributable to lower revolving line of credit utilization. Compared to the year-ago quarter, total period-end commercial portfolio loans increased 2%, primarily reflecting increases in C&I loan and commercial mortgage loan balances, partially offset by a decrease in commercial lease balances. Period-end commercial revolving line utilization was 35%, compared to 37% in the prior quarter and 37% in the year-ago quarter.
Period-end consumer portfolio loans of $46 billion were flat compared to the prior quarter, as an increase in other consumer loan balances (primarily Dividend Finance) was offset by a decrease in indirect secured consumer loan balances. Compared to the year-ago quarter, total period-end consumer portfolio loans increased 4%, reflecting increases in other consumer loan balances (primarily Dividend Finance), partially offset by a decrease in indirect secured consumer loans.
Total period-end securities (taxable and tax-exempt; amortized cost) of $57 billion in the current quarter decreased $1 billion, or 2%, compared to the prior quarter and were stable compared to the year-ago quarter. Period-end other short-term investments of approximately $11 billion increased $1 billion, or 12%, compared to the prior quarter, and increased $4 billion, or 47%, compared to the year-ago quarter.
Average Deposits
($ in millions)For the Three Months Ended% Change
JuneMarchJune
202320232022SeqYr/Yr
Average Deposits
Demand$46,520 $50,737 $62,555 (8)%(26)%
Interest checking50,47248,71744,3494%14%
Savings21,67523,10723,708(6)%(9)%
Money market28,91328,42029,2842%(1)%
Foreign office(g)
143143139—3%
Total transaction deposits$147,723$151,124$160,035(2)%(8)%
CDs $250,000 or less7,7595,1732,19350%254%
Total core deposits$155,482$156,297$162,228(1)%(4)%
CDs over $250,000 5,3754,34866224%712%
Total average deposits$160,857 $160,645 $162,890 —(1)%
CDs over $250,000 includes $4.9 billion of retail brokered certificates of deposit which are covered by FDIC insurance as of the second quarter of 2023.
Compared to the prior quarter, total average deposits were flat, as increases in certificates of deposit and interest checking balances were offset by a decline in demand deposit account balances. Average demand deposits represented 30% of total core deposits in the current quarter, compared to 32% in the prior quarter. Compared to the prior quarter, average consumer segment deposits increased 1%, average commercial segment deposits decreased 1%, and average wealth & asset management segment deposits decreased 12% reflecting the impact of tax payments as well as clients' alternative investment options. Period-end total deposits increased 1% compared to the prior quarter.
Compared to the year-ago quarter, total average deposits decreased 1%, primarily reflecting a decline in demand deposits, partially offset by increases in certificates of deposit and interest checking balances. Period-end total deposits increased 2% compared to the year-ago quarter.
The period end portfolio loan-to-core deposit ratio was 77% in the current quarter, compared to 78% in the prior quarter and 75% in the year-ago quarter. Estimated uninsured deposits were approximately $66 billion, or 40% of total deposits, as of quarter end.
7

Average Wholesale Funding
($ in millions)For the Three Months Ended% Change
JuneMarchJune
202320232022SeqYr/Yr
Average Wholesale Funding
CDs over $250,000$5,375 $4,348 $662 24%712%
Federal funds purchased376487392(23)%(4)%
Securities sold under repurchase agreements36132748810%(26)%
FHLB advances6,5894,8032,74337%140%
Derivative collateral and other secured borrowings79245340(68)%(77)%
Long-term debt12,84813,51011,164(5)%15%
Total average wholesale funding$25,628$23,720$15,7898%62%
CDs over $250,000 includes $4.9 billion of retail brokered certificates of deposit which are covered by FDIC insurance as of the second quarter of 2023.
Compared to the prior quarter, average wholesale funding increased 8%, primarily reflecting an increase in FHLB advances and CDs over $250,000 (which consists almost entirely of retail brokered CDs which are covered by FDIC insurance), partially offset by lower long-term debt. Compared to the year-ago quarter, average wholesale funding increased 62%, primarily reflecting an increase in CDs over $250,000, FHLB advances, and long-term debt to further strengthen Fifth Third's balance sheet and liquidity position.
8

Credit Quality Summary
($ in millions)As of and For the Three Months Ended
JuneMarchDecemberSeptemberJune
20232023202220222022
Total nonaccrual portfolio loans and leases (NPLs)$629$593$515$522$539
Repossessed property88666
OREO2422181814
Total nonperforming portfolio loans and leases and OREO (NPAs)$661$623$539$546$559
NPL ratio(h)
0.52 %0.48 %0.42 %0.44 %0.45 %
NPA ratio(c)
0.54 %0.51 %0.44 %0.46 %0.47 %
Portfolio loans and leases 30-89 days past due (accrual)$339$317$364$335$294
Portfolio loans and leases 90 days past due (accrual)5146405939
30-89 days past due as a % of portfolio loans and leases0.28 %0.26 %0.30 %0.28 %0.25 %
90 days past due as a % of portfolio loans and leases0.04 %0.04 %0.03 %0.05 %0.03 %
Allowance for loan and lease losses (ALLL), beginning$2,215 $2,194 $2,099 $2,014 $1,908 
Impact of adoption of ASU 2022-02—(49)———
Total net losses charged-off(90)(78)(68)(62)(62)
Provision for loan and lease losses202148163147168
ALLL, ending$2,327$2,215$2,194$2,099$2,014
Reserve for unfunded commitments, beginning$232$216$199$188$177
(Benefit from) provision for the reserve for unfunded commitments(25)16171111
Reserve for unfunded commitments, ending$207$232$216$199$188
Total allowance for credit losses (ACL)$2,534 $2,447 $2,410 $2,298 $2,202 
ACL ratios:
As a % of portfolio loans and leases2.08 % 1.99 % 1.98 % 1.91 % 1.85 % 
As a % of nonperforming portfolio loans and leases403 % 413 % 468 % 440 % 408 % 
As a % of nonperforming portfolio assets383 % 393 % 447 % 420 % 394 % 
ALLL as a % of portfolio loans and leases1.91 %1.80 %1.81 %1.75 %1.70 %
Total losses charged-off$(121)$(110)$(103)$(104)$(90)
Total recoveries of losses previously charged-off3132354228
Total net losses charged-off$(90)$(78)$(68)$(62)$(62)
Net charge-off ratio (NCO ratio)(b)
0.29 %0.26 %0.22 %0.21 %0.21 %
Commercial NCO ratio0.16 %0.17 %0.13 %0.17 %0.19 %
Consumer NCO ratio0.50 %0.42 %0.38 %0.28 %0.24 %
Nonperforming portfolio loans and leases were $629 million in the current quarter, with the resulting NPL ratio of 0.52%. Compared to the prior quarter, NPLs increased $36 million with the NPL ratio increasing 4 bps. Compared to the year-ago quarter, NPLs increased $90 million with the NPL ratio increasing 7 bps.
Nonperforming portfolio assets were $661 million in the current quarter, with the resulting NPA ratio of 0.54%. Compared to the prior quarter, NPAs increased $38 million with the NPA ratio increasing 3 bps. Compared to the year-ago quarter, NPAs increased $102 million with the NPA ratio increasing 7 bps.
The provision for credit losses totaled $177 million in the current quarter. The allowance for credit loss ratio represented 2.08% of total portfolio loans and leases at quarter end, compared with 1.99% for the prior quarter end and 1.85% for the
9

year-ago quarter end. In the current quarter, the allowance for credit losses represented 403% of nonperforming portfolio loans and leases and 383% of nonperforming portfolio assets.
Net charge-offs were $90 million in the current quarter, resulting in an NCO ratio of 0.29%. Compared to the prior quarter, net charge-offs increased $12 million and the NCO ratio increased 3 bps. Commercial net charge-offs were $32 million, resulting in a commercial NCO ratio of 0.16%, which decreased 1 bp compared to the prior quarter. Consumer net charge-offs were $58 million, resulting in a consumer NCO ratio of 0.50%, which increased 8 bps compared to the prior quarter.
Compared to the year-ago quarter, net charge-offs increased $28 million and the NCO ratio increased 8 bps, reflecting a normalization from near-historically low net charge-offs in the year-ago quarter. The commercial NCO ratio decreased 3 bps 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
JuneMarchDecemberSeptemberJune
20232023202220222022
Capital Position
Average total Bancorp shareholders' equity as a % of average assets
8.90 %8.77%8.18%9.13%9.35 %
Tangible equity(a)
8.58 %8.39%8.31%8.18%8.05 %
Tangible common equity (excluding AOCI)(a)
7.57 %7.38%7.30%7.16%7.01 %
Tangible common equity (including AOCI)(a)
5.26 %5.49%5.00%4.75%5.82 %
Regulatory Capital Ratios(d)(e)
CET1 capital
9.53 %9.28%9.28%9.14%8.95 %
Tier 1 risk-based capital
10.78 %10.53%10.53%10.40%10.23 %
Total risk-based capital
12.89 %12.64%12.79%12.64%12.47 %
Leverage8.81 %8.67%8.56%8.44%8.30 %
The CET1 capital ratio was 9.53%, the Tangible common equity to tangible assets ratio was 7.57% excluding AOCI, and 5.26% including AOCI. The Tier 1 risk-based capital ratio was 10.78%, the Total risk-based capital ratio was 12.89%, and the Leverage ratio was 8.81%. Fifth Third did not execute share repurchases in the second quarter of 2023.
10

Tax Rate
The effective tax rate for the quarter was 22.5% compared with 22.3% in the prior quarter and 22.4% in the year-ago quarter.
Corporate Profile
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) 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 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)JuneMarchJuneJuneJune
202320232022SeqYr/Yr20232022Yr/Yr
Interest Income
Interest and fees on loans and leases$1,831$1,714$1,0817%69%$3,545$2,06272%
Interest on securities437439369—18%87666332%
Interest on other short-term investments102601470%629%16227500%
Total interest income2,3702,2131,4647%62%4,5832,75267%
Interest Expense
Interest on deposits6554782537%NM1,13336NM
Interest on federal funds purchased551—400%101900%
Interest on other short-term borrowings90571258%650%14713NM
Interest on long-term debt163156874%87%31916890%
Total interest expense91369612531%630%1,609218638%
Net Interest Income1,4571,5171,339(4%)9%2,9742,53417%
Provision for credit losses1771641798%(1%)34122452%
Net Interest Income After Provision for Credit Losses1,2801,3531,160(5%)10%2,6332,31014%
Noninterest Income
Service charges on deposits1441371545%(6%)281306(8%)
Commercial banking revenue146161137(9%)7%30727213%
Mortgage banking net revenue596931(14%)90%1278353%
Wealth and asset management revenue143146140(2%)2%289289—
Card and processing revenue1061001056%1%2062012%
Leasing business revenue475756(18%)(16%)104118(12%)
Other noninterest income742285236%(13%)97138(30%)
Securities gains (losses), net74(32)75%NM11(47)NM
Securities losses, net - non-qualifying hedges on mortgage servicing rights———NMNM—(1)(100%)
Total noninterest income7266966764%7%1,4221,3595%
Noninterest Expense
Compensation and benefits650757584(14%)11%1,4071,2959%
Net occupancy expense8381752%11%1641528%
Technology and communications11411898(3%)16%23219917%
Equipment expense363736(3%)—73721%
Card and processing expense202220(9%)—423811%
Leasing business expense313431(9%)—65633%
Marketing expense3129287%11%605215%
Other noninterest expense2662532405%11%51946312%
Total noninterest expense1,2311,3311,112(8%)11%2,5622,33410%
Income Before Income Taxes7757187248%7%1,4931,33512%
Applicable income tax expense1741601629%7%33427920%
Net Income6015585628%7%1,1591,05610%
Dividends on preferred stock39233670%8%625611%
Net Income Available to Common Shareholders$562$535$5265%7%$1,097$1,00010%
13

Fifth Third Bancorp and Subsidiaries
Consolidated Statements of Income
$ in millionsFor the Three Months Ended
(unaudited)JuneMarchDecemberSeptemberJune
20232023202220222022
Interest Income
Interest and fees on loans and leases$1,831$1,714$1,577$1,315$1,081
Interest on securities437439440414369
Interest on other short-term investments10260583114
Total interest income2,3702,2132,0751,7601,464
Interest Expense
Interest on deposits65547830011225
Interest on federal funds purchased55231
Interest on other short-term borrowings9057534312
Interest on long-term debt16315614310487
Total interest expense913696498262125
Net Interest Income1,4571,5171,5771,4981,339
Provision for credit losses177164180158179
Net Interest Income After Provision for Credit Losses1,2801,3531,3971,3401,160
Noninterest Income
Service charges on deposits144137140143154
Commercial banking revenue146161158134137
Mortgage banking net revenue5969636931
Wealth and asset management revenue143146139141140
Card and processing revenue106100103105105
Leasing business revenue4757586056
Other noninterest income7422725985
Securities gains (losses), net742(38)(32)
Securities losses, net - non-qualifying hedges on mortgage servicing rights———(1)—
Total noninterest income726696735672676
Noninterest Expense
Compensation and benefits650757655605584
Net occupancy expense8381827475
Technology and communications11411811110698
Equipment expense3637373636
Card and processing expense2022212120
Leasing business expense3134363331
Marketing expense3129313528
Other noninterest expense266253245257240
Total noninterest expense1,2311,3311,2181,1671,112
Income Before Income Taxes775718914845724
Applicable income tax expense174160177192162
Net Income601558737653562
Dividends on preferred stock3923382236
Net Income Available to Common Shareholders$562$535$699$631$526
14

Fifth Third Bancorp and Subsidiaries
Consolidated Balance Sheets
$ in millions, except per share dataAs of% Change
(unaudited)JuneMarchJune
202320232022SeqYr/Yr
Assets
Cash and due from banks$2,594$2,780$3,437(7%)(25%)
Other short-term investments10,9439,7947,41912%47%
Available-for-sale debt and other securities(a)
49,32950,71952,837(3%)(7%)
Held-to-maturity securities(b)
225—(60%)
Trading debt securities1,1391,174293(3%)289%
Equity securities3313233262%2%
Loans and leases held for sale7607492,5421%(70%)
Portfolio loans and leases:
  Commercial and industrial loans56,89757,72056,095(1%)1%
  Commercial mortgage loans11,31011,22810,7481%5%
  Commercial construction loans5,4755,5485,357(1%)2%
  Commercial leases2,6702,7432,850(3%)(6%)
Total commercial loans and leases76,35277,23975,050(1%)2%
  Residential mortgage loans17,50317,60817,566(1%)—
  Home equity3,9113,9583,906(1%)—
  Indirect secured consumer loans16,09716,48417,017(2%)(5%)
  Credit card1,8181,7611,7633%3%
  Other consumer loans6,2105,8073,5217%76%
Total consumer loans45,53945,61843,773—4%
Portfolio loans and leases121,891122,857118,823(1%)3%
Allowance for loan and lease losses(2,327)(2,215)(2,014)5%16%
Portfolio loans and leases, net119,564120,642116,809(1%)2%
Bank premises and equipment2,2752,2192,1183%7%
Operating lease equipment537578600(7%)(11%)
Goodwill4,9194,9154,926——
Intangible assets146157194(7%)(25%)
Servicing rights1,7641,7251,5822%12%
Other assets12,97312,88013,6941%(5%)
Total Assets$207,276$208,657$206,782(1%)—
Liabilities
Deposits:
  Demand $45,264$49,649$60,859(9%)(26%)
  Interest checking 52,74349,92443,3386%22%
  Savings 21,34222,56323,748(5%)(10%)
  Money market 30,01228,48228,7925%4%
  Foreign office 18213417736%3%
  CDs $250,000 or less8,8336,6242,12533%316%
  CDs over $250,0005,7525,5992,1353%169%
Total deposits164,128162,975161,1741%2%
Federal funds purchased163177711(8%)(77%)
Other short-term borrowings5,8177,3647,057(21%)(18%)
Accrued taxes, interest and expenses1,7651,5771,68312%5%
Other liabilities5,3165,3076,197—(14%)
Long-term debt12,27812,89310,990(5%)12%
Total Liabilities189,467190,293187,812—1%
Equity
Common stock(c)
2,0512,0512,051——
Preferred stock2,1162,1162,116——
Capital surplus3,7083,6823,6361%2%
Retained earnings22,36622,03220,8182%7%
Accumulated other comprehensive loss(5,166)(4,245)(2,644)22%95%
Treasury stock(7,266)(7,272)(7,007)—4%
Total Equity17,80918,36418,970(3%)(6%)
Total Liabilities and Equity$207,276$208,657$206,782(1%)—
(a) Amortized cost$55,399$55,958$56,140(1%)(1%)
(b) Market values2 2 5 —(60%)
(c) Common shares, stated value $2.22 per share (in thousands):
Authorized2,000,0002,000,0002,000,000——
Outstanding, excluding treasury680,850680,537686,152——
Treasury243,042243,356237,741——


15

Fifth Third Bancorp and Subsidiaries
Consolidated Balance Sheets
$ in millions, except per share dataAs of
(unaudited)JuneMarchDecemberSeptemberJune
20232023202220222022
Assets
Cash and due from banks$2,594$2,780$3,466$3,068$3,437
Other short-term investments10,9439,7948,3516,5947,419
Available-for-sale debt and other securities(a)
49,32950,71951,50351,28952,837
Held-to-maturity securities(b)
22555
Trading debt securities1,1391,174414414293
Equity securities331323317315326
Loans and leases held for sale7607491,0071,9402,542
Portfolio loans and leases:
  Commercial and industrial loans56,89757,72057,23256,43756,095
  Commercial mortgage loans11,31011,22811,02010,94710,748
  Commercial construction loans5,4755,5485,4335,5735,357
  Commercial leases2,6702,7432,7042,8212,850
Total commercial loans and leases76,35277,23976,38975,77875,050
  Residential mortgage loans17,50317,60817,62817,60017,566
  Home equity3,9113,9584,0394,0003,906
  Indirect secured consumer loans16,09716,48416,55216,64617,017
  Credit card1,8181,7611,8741,7701,763
  Other consumer loans6,2105,8074,9984,2053,521
Total consumer loans45,53945,61845,09144,22143,773
Portfolio loans and leases121,891122,857121,480119,999118,823
Allowance for loan and lease losses(2,327)(2,215)(2,194)(2,099)(2,014)
Portfolio loans and leases, net119,564120,642119,286117,900116,809
Bank premises and equipment2,2752,2192,1872,1552,118
Operating lease equipment537578627612600
Goodwill4,9194,9154,9154,9254,926
Intangible assets146157169181194
Servicing rights1,7641,7251,7461,7321,582
Other assets12,97312,88013,45914,33313,694
Total Assets$207,276$208,657$207,452$205,463$206,782
Liabilities
Deposits:
  Demand $45,264$49,649$53,125$57,601$60,859
  Interest checking52,74349,92451,65346,98543,338
  Savings 21,34222,56323,46923,77123,748
  Money market 30,01228,48228,22028,70728,792
  Foreign office 182134182185177
CDs $250,000 or less8,8336,6243,8092,0072,125
CDs over $250,0005,7525,5993,2322,3962,135
Total deposits164,128162,975163,690161,652161,174
Federal funds purchased163177180212711
Other short-term borrowings5,8177,3644,8386,3787,057
Accrued taxes, interest and expenses1,7651,5771,8221,5891,683
Other liabilities5,3165,3075,8817,1846,197
Long-term debt12,27812,89313,71411,71210,990
Total Liabilities189,467190,293190,125188,727187,812
Equity
Common stock(c)
2,0512,0512,0512,0512,051
Preferred stock2,1162,1162,1162,1162,116
Capital surplus3,7083,6823,6843,6603,636
Retained earnings22,36622,03221,68921,21920,818
Accumulated other comprehensive loss(5,166)(4,245)(5,110)(5,306)(2,644)
Treasury stock(7,266)(7,272)(7,103)(7,004)(7,007)
Total Equity17,80918,36417,32716,73618,970
Total Liabilities and Equity$207,276$208,657$207,452$205,463$206,782
(a) Amortized cost$55,399$55,958$57,530$57,372$56,140
(b) Market values22555
(c) Common shares, stated value $2.22 per share (in thousands):
Authorized2,000,0002,000,0002,000,0002,000,0002,000,000
Outstanding, excluding treasury680,850680,537683,386686,343686,152
Treasury243,042243,356240,507237,549237,741
16

Fifth Third Bancorp and Subsidiaries
Consolidated Statements of Changes in Equity
$ in millions
(unaudited)
For the Three Months EndedYear to Date
JuneJuneJuneJune
2023202220232022
Total Equity, Beginning$18,364$20,177$17,327$22,210
Impact of cumulative effect of change in accounting principle——37—
Net income6015621,1591,056
Other comprehensive income (loss), net of tax:
Change in unrealized gains (losses):
Available-for-sale debt securities(633)(1,506)(33)(3,437)
Qualifying cash flow hedges(289)(43)(24)(416)
Change in accumulated other comprehensive income related to employee benefit plans1112
Comprehensive income (loss)(320)(986)1,103(2,795)
Cash dividends declared:
Common stock(228)(209)(457)(418)
Preferred stock(39)(36)(62)(56)
Impact of stock transactions under stock compensation plans, net32246229
Shares acquired for treasury——(201)—
Total Equity, Ending$17,809$18,970$17,809$18,970
17

Fifth Third Bancorp and Subsidiaries
Regulatory Capital
$ in millionsAs of
(unaudited)JuneMarchDecemberSeptemberJune
2023(a)
2023202220222022
Regulatory Capital(b)
CET1 capital$16,097$15,727$15,670$15,264$14,827
Additional tier 1 capital2,1162,1162,1162,1162,116
Tier 1 capital18,21317,84317,78617,38016,943
Tier 2 capital3,5543,5883,8203,7433,713
Total regulatory capital$21,767$21,431$21,606$21,123$20,656
Risk-weighted assets
$168,925$169,510$168,909$167,060$165,659
Ratios
Average total Bancorp shareholders' equity as a percent of average assets
8.90 %8.77 %8.18 %9.13 %9.35 %
Regulatory Capital Ratios(b)
Fifth Third Bancorp
CET1 capital
9.53 %9.28 %9.28 %9.14 %8.95 %
Tier 1 risk-based capital
10.78 %10.53 %10.53 %10.40 %10.23 %
Total risk-based capital
12.89 %12.64 %12.79 %12.64 %12.47 %
Leverage8.81 %8.67 %8.56 %8.44 %8.30 %
Fifth Third Bank, National Association
Tier 1 risk-based capital
11.31 %11.63 %11.31 %10.94 %10.58 %
Total risk-based capital
12.73 %13.05 %12.81 %12.41 %12.01 %
Leverage9.26 %9.62 %9.23 %8.91 %8.61 %
(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)JuneMarchDecemberSeptemberJune
20232023202220222022
Net interest income$1,457$1,517$1,577$1,498$1,339
Add: Taxable equivalent adjustment65543
Net interest income (FTE) (a)1,4631,5221,5821,5021,342
Net interest income (annualized) (b)5,8446,1526,2575,9435,371
Net interest income (FTE) (annualized) (c)5,8686,1736,2765,9595,383
Interest income2,3702,2132,0751,7601,464
Add: Taxable equivalent adjustment65543
Interest income (FTE)2,3762,2182,0801,7641,467
Interest income (FTE) (annualized) (d)9,5308,9958,2526,9985,884
Interest expense (annualized) (e)3,6622,8231,9761,039501
Average interest-earning assets (f)189,060187,407187,640185,378184,406
Average interest-bearing liabilities (g)134,590129,280126,390119,773115,462
Net interest margin (b) / (f)3.09 %3.28 %3.33 %3.21 %2.91 %
Net interest margin (FTE) (c) / (f)3.10 %3.29 %3.35 %3.22 %2.92 %
Net interest rate spread (FTE) (d) / (f) - (e) / (g)2.32 %2.62 %2.84 %2.91 %2.76 %
Income before income taxes$775$718$914$845$724
Add: Taxable equivalent adjustment65543
Income before income taxes (FTE)781723919849727
Net income available to common shareholders562535699631526
Add: Intangible amortization, net of tax8910109
Tangible net income available to common shareholders (h)570544709641535
Tangible net income available to common shareholders (annualized) (i)2,2862,2062,8132,5432,146
Average Bancorp shareholders’ equity
18,34417,97716,85718,86419,248
Less: Average preferred stock(2,116)(2,116)(2,116)(2,116)(2,116)
Average goodwill(4,919)(4,915)(4,925)(4,926)(4,744)
Average intangible assets(152)(163)(176)(188)(158)
Average tangible common equity, including AOCI (j)11,15710,7839,64011,63412,230
Less:Average AOCI4,4804,4425,3863,0372,397
Average tangible common equity, excluding AOCI (k)15,63715,22515,02614,67114,627
Total Bancorp shareholders’ equity
17,80918,36417,32716,73618,970
Less:Preferred stock(2,116)(2,116)(2,116)(2,116)(2,116)
Goodwill(4,919)(4,915)(4,915)(4,925)(4,926)
Intangible assets(146)(157)(169)(181)(194)
Tangible common equity, including AOCI (l)10,62811,17610,1279,51411,734
Less:AOCI5,1664,2455,1105,3062,644
Tangible common equity, excluding AOCI (m)15,79415,42115,23714,82014,378
Add:Preferred stock2,1162,1162,1162,1162,116
Tangible equity (n)17,91017,53717,35316,93616,494
Total assets207,276208,657207,452205,463206,782
Less:Goodwill(4,919)(4,915)(4,915)(4,925)(4,926)
Intangible assets(146)(157)(169)(181)(194)
Tangible assets, including AOCI (o)202,211203,585202,368200,357201,662
Less:AOCI, before tax6,5395,3736,4686,7163,347
Tangible assets, excluding AOCI (p)$208,750$208,958$208,836$207,073$205,009
Common shares outstanding (q)681681683686686
Tangible equity (n) / (p)8.58 %8.39 %8.31 %8.18 %8.05 %
Tangible common equity (excluding AOCI) (m) / (p)7.57 %7.38 %7.30 %7.16 %7.01 %
Tangible common equity (including AOCI) (l) / (o)5.26 %5.49 %5.00 %4.75 %5.82 %
Tangible book value per share (including AOCI) (l) / (q)$15.61$16.41$14.83$13.87$17.10
Tangible book value per share (excluding AOCI) (m) / (q)$23.19$22.64$22.31$21.60$20.96
20

Fifth Third Bancorp and Subsidiaries
Non-GAAP Reconciliation
$ in millionsFor the Three Months Ended
(unaudited)JuneMarchJune
202320232022
Net income (r)$601$558$562
Net income (annualized) (s)2,4112,2632,254
Adjustments (pre-tax items)
Valuation of Visa total return swap303118
Net disposition charges/(gain)——6
Restructuring severance expense1212—
Adjustments, after-tax (t)(a)
323319
Noninterest income (u)726696676
Valuation of Visa total return swap303118
Net disposition charges/(gain)——6
Adjusted noninterest income (v)756727700
Noninterest expense (w)1,2311,3311,112
Restructuring severance expense(12)(12)—
Adjusted noninterest expense (x)1,2191,3191,112
Adjusted net income (r) + (t)633591581
Adjusted net income (annualized) (y)2,5392,3972,330
Adjusted tangible net income available to common shareholders (h) + (t)602577554
Adjusted tangible net income available to common shareholders (annualized) (z)2,4152,3402,222
Average assets (aa)$206,079$205,084$205,897
Return on average tangible common equity (i) / (j)20.5 %20.5 %17.5 %
Return on average tangible common equity excluding AOCI (i) / (k)14.6 %14.5 %14.7 %
Adjusted return on average tangible common equity, including AOCI (z) / (j)21.6 %21.7 %18.2 %
Adjusted return on average tangible common equity, excluding AOCI (z) / (k)15.4 %15.4 %15.2 %
Return on average assets (s) / (aa)1.17 %1.10 %1.09 %
Adjusted return on average assets (y) / (aa)1.23 %1.17 %1.13 %
Efficiency ratio (FTE) (w) / [(a) + (u)]56.2 %60.0 %55.1 %
Adjusted efficiency ratio (x) / [(a) + (v)]54.9 %58.6 %54.5 %
Total revenue (FTE) (a) + (u)$2,189$2,218$2,018
Adjusted total revenue (FTE) (a) + (v)$2,219$2,249$2,042
Pre-provision net revenue (PPNR) (a) + (u) - (w)$958$887$906
Adjusted pre-provision net revenue (PPNR) (a) + (v) - (x)$1,000$930$930
Totals may not foot due to rounding; (a) Assumes a 23% tax rate
21
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Cover Page
Jul. 24, 2023
Entity Information [Line Items]  
Document Type 8-K
Document Period End Date Jul. 24, 2023
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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