EX-99.1

Barclays Global

Financial Services Conference

Kevin T. Kabat

Vice Chairman & Chief Executive Officer

September 10, 2013

Please refer to earnings release dated July 18, 2013

and 10-Q dated August 7, 2013 for further information

Exhibit 99.1

A strong franchise delivering value

•

Commitment to improving

franchise value

•

Maintain balanced view of

managing expenses and making

investments for the long term

•

Orient business around strong

employee engagement and

dedication to customer experience

•

Foster culture of innovation to

respond to new banking landscape

1.26%

+19%

13.7%

Diluted

earnings per

share vs 2Q12

Return on

Average

Assets

Return on

Average Tangible

Common Equity*

Note: Results above exclude $318 million and $56 million of Vantiv-related items in 2Q13 and 2Q12, respectively.

* Non-GAAP measure; see Reg. G reconciliation in appendix.

+19%

Noninterest

income vs 2Q12

Strong core businesses driving quality,

consistent earnings

Commercial

bank

Consumer

lending

Branch

banking

•

Expertise in treasury management, capital

markets, and specialized verticals combined

with leverage of affiliate operating model

•

Flexible business that can be adjusted

quickly as environment changes,

providing greater contribution due to

through-the-cycle investments

•

Listening to voice of customer and

responding with enhanced channels and

products to meet consumer preferences

Note: Retail cross sell service set includes Checking, Savings, CD, Home Equity, Direct/Indirect Loan, Mortgage (incl EHR), Credit Card, Annuity, Brokerage, Insurance,

Early Access, Debt Protection, ID Alert, Debit Card, Access 360,

Online Bill Pay, Direct Deposit, Mobile Banking and Internet Banking. Households with Access 360 only

are not included.

Avg Bancorp cons deposits

($MM)

Retail cross sell

Coml bank net income

($MM)

Investment

Advisors

•

Investment and retirement focus driving

wealth management and brokerage brand

through differentiated sales, products,

and services

Assets under mgmt

($B)

Retail brokerage revenue

($MM)

Indirect auto footprint

Mortgage originations

($B)

36 states

45 states

Avg Bancorp coml loans

($MM) -

HFI

Commercial Bank –

Executing on key strategies

Healthcare

•

Full suite of products

designed to meet full

range of healthcare

clients’

needs

•

Innovative cash

management solutions

simplify cash handling

and improve cash flow

Currency Processing

Solutions

Segment

Specialization

Energy

•

Launched in 3Q12

•

Focused on production

(upstream / downstream)

Commercial Real Estate

•

Centralized group focused

on select opportunities

•

Target clients:

businesses that

generate $500mm to

$2B in revenue

•

“Lead left”

strategy

•

Investments in capital

markets capabilities

Mid-Corporate

•

Streamline processes,

reduce costs and

maximize convenience

Commercial Card

Solutions

CONSULTATIVE SALES APPROACH

Treasury

Management

Capabilities

Industry

Specialization

Corporate banking business generating growth

•

Solid results in our commercial business

•

Reflects investments in mid-corporate space and verticals

(i.e. healthcare and energy)

•

C&I production broad based across industries and

sectors; reflects particular strength in healthcare and

manufacturing industries

•

Growth in corporate banking revenue driven by

investments in capital markets capabilities as well as

increased syndication fees, derivatives revenue and

business lending fees

C&I Portfolio^ ($B)

^ Presented on an average basis; Excluding held-for-sale loans.

* Growth

commercial

deposit

fees

compared

with

YTD

results of prior year.

Corporate banking

revenue ($MM)

Commercial deposit fees

% growth*

Corporate banking revenue ($MM)

32.7

36.4

37.6

$25

$27

$29

$31

$33

$35

$37

$39

2Q12

1Q13

2Q13

102

106

$75

$80

$85

$90

$95

$100

$105

$110

2Q12

1Q13

2Q13

+2%

+7%

+5%

1H11

1H12

1H13

Letter of Credit / FX

Institutional Sales

Interest Rate Derivatives

Business Lending Fees

Syndications

Other Corporate Banking

Repositioning consumer bank

with investments and strategic changes

Card innovation

New products that fit the way

customers choose to bank

Simplified deposit products

•

Straightforward, easy to use

accounts

•

Reduced complexity

•

Elimination of certain fees

•

Total relationship earns better

rates and lower costs

•

Compatible with Fifth Third’s

strategic direction and new

regulatory landscape

Fully converted 2.1 million households

by the end of the second quarter

Capitalized on the downturn to

capture our fair share

Mortgage origination ranking*

#16

#12

2009

1H13

Improve share of wallet and

household penetration

•

Product bundles to build full

relationship

•

Invest in developing our sales

force, support staff, and self-

service channels

•

Target high value segments

and capture the total

relationship

Provide Differentiated Customer Experience

•

Affiliate model provides

localized, high touch service

•

Integrated systems to facilitate

team sales across products

and departments

•

Consultative sales approach

using Financial Needs

Assessment

Indirect

auto

originator

Prime

Bank

Rank

Units

Financed

2012

Behind

Wells Fargo, Chase,

Bank of America, and TD

^ Source: Experian Auto Count. Loans (not leases) originated by

franchised dealers. Prime banks only -

excludes captives and non primes. Capital One is excluded

because they are primarily non-prime. Ally is excluded because they were primarily a captive.

* Source: Inside Mortgage Finance

Repositioning consumer bank

with investments and strategic changes

Consumer deposit activity

Enhanced distribution capabilities for customers to access our products and services

Online banking

Mobile banking

Alternative channel delivery

Consumer segment net income ($MM)

Investments showing up in

stronger consumer segment results

Improve efficiency by optimizing branch operating model

% of checking households with

Branch

ATM

Mobile

Transaction volume by channel

$129

$83

Micro branch format

77%

18%

2009

2Q13

47%

50%

2011

2Q13

19%

2Q12

3Q12

4Q12

1Q13

2Q13

Branch Banking

Consumer Lending

Strong revenue and profit generation

2Q13 returns strong relative to peers

ROAA

ROATCE

•

Business mix provides higher than average

diversity between spread and fee revenues

•

Relatively strong margin and relatively high

fee income contribution drives strong

profitability despite interest rate environment

2Q13 PPNR* / Average Assets

Peer med. 1.7%

Significant purchase

accounting benefit

21.1%

1.94%

Adjusted^

As reported

NII

Fee income as % of 2Q13 revenue^^

Fee

income

46%

54%

1.35%

1.08%

14.7%

12.3%

2.1%

Source: SNL Financial and Company Reports. Data as of 2Q13. Peer median includes: BBT, CMA, HBAN, KEY, MTB, PNC, RF, STI, USB, WFC, and ZION.

PPNR and ROATCE are Non-GAAP measures. See Reg. G reconciliation in appendix.

* Excludes securities gains / losses for FITB and peers.

^ See Page 15 in the Appendix for adjustments.

^^ Excludes $242 million gain on the sale of Vantiv shares and a $76 million positive valuation adjustment on the Vantiv warrants.

Adaptive and responsive to near-term concerns

•

Increase in mortgage rates

•

Waning refinance boom

•

Competitive pressure on industry margins

•

Lower HARP volumes

Fifth Third has been prudent in addressing current rate environment

Mortgage environment

Fifth Third’s position

•

Actively managing variable expense in line with

revenue expectations

•

Increased percentage of purchase volumes

•

Continued cross-sell benefit

•

Maintaining larger market share compared with

prior to mortgage cycle

•

Prolonged low-rate environment on the short

end of the yield curve

•

Rise in long-term interest rates

•

Coupons on new fixed rate loan originations

converging with portfolio avg. coupons (~40%

of loan book is fixed)

•

Expect 2H13 NII to benefit from loan growth,

impact of higher rates on securities portfolio,

partially offset by continued loan repricing

•

Increase in short-term LIBOR rates key driver

for long-term upside on NII and NIM

Interest rate environment

Fifth Third’s position

Disciplined expense management

Expense trend ($MM)

* Non-recurring items listed on page 15 in the appendix.

Managing expenses carefully in response to revenue

environment; continuous process of expense evaluation

Efficiency ratio trend

Reported expense

$937

$1,006

$1,163

$978

$1,035

Non-recurring items*:

Decreasing Expense

$18

Increasing Expense

($55)

($173)

($9)

($60)

Adjusted Expense

$955

$956

$990

$978

$977

59%

64%

65%

60%

53%

62%

61%

60%

62%

60%

Efficiency Ratio

Adjusted*

•

Long-term target for mid-50% efficiency

ratio in normalized environment

$600

$700

$800

$900

$1,000

$1,100

$1,200

2Q12

3Q12

4Q12

1Q13

2Q13

Reflects below-capacity balance sheet

and lower revenue than we expect and

can support longer term

Potential benefit of higher interest rates

in future

2Q12

3Q12

4Q12

1Q13

2Q13

Strong capital position and capital generation

support ability to return capital to shareholders

Total payout yield (5 quarters through 3/31/13)

Total payout yield for the period 01/01/12-03/31/13 uses stock price and market cap as of 5/29/13.

Increased quarterly common stock dividend 38%

and repurchased 5.5% of outstanding common stock

5.0%

(Unofficial

CCAR

supervisory

reference

minimum)

~$1.2 billion in capital returned

to common shareholders

(5 quarters through 3/31/13)

$175MM

Vantiv-related

repurchases

$600MM

other

repurchases

$421MM

dividends

7.0% (2019

Basel III

buffered

minimum)

4.5% (2015

Basel III

minimum)

2Q13 Tier 1 common / RWA

$200

$400

$600

$800

$1,000

$1,200

2012 CCAR

9.4

0.0%

2.0%

4.0%

6.0%

8.0%

10.0%

Basel I

9.1

0.0%

2.0%

4.0%

6.0%

8.0%

10.0%

Basel III

7.3%

7.0%

6.4%

5.4%

5.3%

4.8%

3.3%

3.1%

0.8%

0.6%

0.5%

0.2%

FITB

CMA

USB

HBAN

KEY

WFC

PNC

MTB

BBT

STI

COF

ZION

Investment thesis

Strong profitability approaching target range for normalized environment

•

Problem assets at very

low levels and strong

reserve coverage

•

Capital levels solid

despite increased

payouts to shareholders

•

Industry leader in earnings

power with strong returns

and efficient businesses

Strategic focus areas

•

Targeted industry concentrations

•

Robust product set

•

Talent acquisition and training to

leverage investments

•

Completed change in product suite and

customer

migration

focus

value

delivered

•

Consultative, client-centric sales process

•

Evolving distribution network given adoption

of mobile and internet

Driving Commercial Bank growth

Adapting Consumer Bank for long term profitability

Cautionary statement

This report 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. These statements relate to our financial condition, results of operations, plans, objectives, future performance

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,” “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. 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.

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) general economic conditions and

weakening in the economy, specifically the real estate market, either nationally or in the states in which Fifth Third, one or more acquired

entities and/or the combined company do business, are less favorable than expected; (2) deteriorating credit quality; (3) political

developments, wars or other hostilities may disrupt or increase volatility in securities markets or other economic conditions; (4) changes in

the interest rate environment reduce interest margins; (5) prepayment speeds, loan origination and sale volumes, charge-offs and loan loss

provisions; (6) Fifth Third’s ability to maintain required capital levels and adequate sources of funding and liquidity; (7) maintaining capital

requirements may limit Fifth Third’s operations and potential growth; (8) changes and trends in capital markets; (9) problems encountered by

larger or similar financial institutions may adversely affect the banking industry and/or Fifth Third; (10) competitive pressures among

depository institutions increase significantly; (11) effects of critical accounting policies and judgments; (12) changes in accounting policies or

procedures as may be required by the Financial Accounting Standards Board (FASB) or other regulatory agencies; (13) legislative or

regulatory changes or actions, or significant litigation, adversely affect Fifth Third, one or more acquired entities and/or the combined

company or the businesses in which Fifth Third, one or more acquired entities and/or the combined company are engaged, including the

Dodd-Frank Wall Street Reform and Consumer Protection Act; (14) ability to maintain favorable ratings from rating agencies; (15) fluctuation

of Fifth Third’s stock price; (16) ability to attract and retain key personnel; (17) ability to receive dividends from its subsidiaries;

(18) potentially dilutive effect of future acquisitions on current shareholders’ ownership of Fifth Third; (19) effects of accounting or financial

results of one or more acquired entities; (20) difficulties from the separation of or the results of operations of Vantiv, LLC; (21) loss of income

from any sale or potential sale of businesses that could have an adverse effect on Fifth Third’s earnings and future growth; (22) ability to

secure confidential information and deliver products and services through the use of computer systems and telecommunications networks;

and (23) the impact of reputational risk created by these developments on such matters as business generation and retention, funding and

liquidity.

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.

Appendix

Pre-tax pre-provision earnings*

PPNR trend

PPNR

increased

39%

from

1Q13

levels

and

increased

42%

from

prior

year;

adjusted PPNR increased 5% sequentially and increased 6% from prior year.

PPNR reconciliation

($ in millions)

2Q12

3Q12

4Q12

1Q13

2Q13

Income before income taxes (U.S. GAAP) (a)

$565

$503

$540

$591

$841

Add: Provision expense (U.S. GAAP) (b)

PPNR (a) + (b)

$636

$568

$616

$653

$905

Adjustments to remove (benefit) / detriment^:

In noninterest income:

Gain from Vantiv IPO (1Q12) and sale of shares (4Q12)

(157)

(242)

Valuation of 2009 Visa total return swap

Vantiv warrant & puts

(56)

(34)

(76)

Valuation of bank premises moved to HFS

Litigation reserve additions in revenue

Sale of certain Fifth Third funds

(13)

(7)

BOLI settlement

(10)

Securities (gains) / losses

(3)

(2)

(17)

In noninterest expense:

Debt extinguishment (gains) / losses

134

Sale of certain Fifth Third funds

FDIC insurance expense

(9)

Gain on sale of affordable housing

(8)

(5)

(9)

(2)

Litigation reserve additions in expense

(1)

Adjusted PPNR

$593

$598

$638

$602

$631

Credit-related items^^:

In noninterest income

In noninterest expense

Credit-adjusted PPNR**

$650

$671

$719

$636

$672

*Non-GAAP measure. See Reg. G reconciliation.

^ Prior quarters include similar adjustments.

^^ See Slide 7 and Slide 8 of 2Q13 Earnings Presentation dated July 18, 2013 for detailed breakout of credit-related items.

Note: 2Q13, 4Q12, and 3Q12 also included mortgage repurchase reserve build of $9 million, $26 million, and $22 million, respectively related to additional guidance

received from Freddie Mac.

** There are limitations on the usefulness of credit-adjusted PPNR, including the significant degree to which changes in credit and fair value are integral, recurring

components of the Bancorp’s core operations as a financial institution. This measure has been included herein to facilitate a greater understanding of the

Bancorp’s financial condition.

Consistent loan growth &

strengthened deposit profile

Loan balances ($B)

•

Solid loan growth with disciplined

lending standards

•

C&I and residential mortgage balance

growth more than offset run-off in both

home equity and commercial real estate

loans (CRE run-off continues to slow)

Average deposit balances ($B)

•

Focus on core deposit growth in retail and

commercial franchises

–

Improving customer satisfaction

–

Building full relationships

–

Offering competitive rates

•

From prior year, average demand deposit

and money market deposit growth more

than offset a decline in average savings and

interest checking deposits

$82.4

$87.0

$82.6

$82.9

$83.9

$85.9

$86.7

2Q12

3Q12

4Q12

1Q13

2Q13

EOP loans HFI

Avg loans HFI

$77.6

$77.5

$80.2

$80.9

$81.7

$82.0

$85.5

2Q12

3Q12

4Q12

1Q13

2Q13

Transaction deposits

Other time deposits

Strong credit position

Continued

decline

problem

assets

and

corresponding

decline

charge-offs

combined

with strong reserves on an absolute and relative basis

NPLs / Loans

Peer average: 1.4%

Reserves / Loans

Net charge-off ratio

Reserves / NPLs

Peer average: 156%

Peer

average: 0.5%

Peer average: 1.8%

Source: SNL Financial and Company Reports. Data as of 2Q13. HFI NPLs exclude loans held-for-sale and also exclude covered assets for BBT, USB, and ZION. COF Reserves/NPL

ratio of 471% excluded due to absence of NPLS in card lending

Capital management philosophy

* Subject to Board of Directors and regulatory approval

Organic growth opportunities

•

Support growth of core banking franchise

•

Continued loan growth despite sluggish

economy

Strategic opportunities

•

Prudently evaluate opportunities to increase

density of franchise via disciplined

acquisitions or selective de novos

•

Expect future acquisition opportunities

although activity likely to remain muted in

near-term

•

Attain top 3 market position in 65% of

markets or more longer term

Dividends*

•

As previously indicated, target levels more

consistent with Fed’s near-term payout ratio

guidance of 30%

•

Strong levels of profitability would support

higher dividend than current level

•

Quarterly dividend increased to $0.12 in 2Q13

Repurchases / Redemptions

•

Common share repurchases to limit / manage growth of

excess capital levels

•

2013 CCAR included:

–

Potential repurchase of ~$1.2B in common stock

(including repurchases related to already realized

Vantiv gains)

o

Repurchased $539MM of common shares in

2Q13

–

Potential issuance of $1.05B in preferred stock

o

$593MM of preferred stock issued in 2Q13

Consistent and prudent capital management philosophy

Capital Retention / Deployment

Capital Return

Conversion of $398MM in 8.5% convertible preferred

stock into ~35.5MM common shares –

July 2013

Ability to repurchase shares in amount equal to any

future after-tax gains on sale of Vantiv shares

Regulation G Non-GAAP reconciliation

Fifth Third Bancorp and Subsidiaries

Regulation G Non-GAAP Reconcilation

$ and shares in millions

(unaudited)

June

March

December

September

June

2013

2012

Income before income taxes (U.S. GAAP)

$841

$591

$540

$503

$565

Add:

Provision expense (U.S. GAAP)

Pre-provision net revenue (a)

905

653

616

568

636

Net income available to common shareholders (U.S. GAAP)

582

413

390

354

376

Add:

Intangible amortization, net of tax

Tangible net income available to common shareholders

583

414

392

356

378

Tangible net income available to common shareholders (annualized) (b)

2,338

1,679

1,559

1,416

1,520

Average Bancorp shareholders' equity (U.S. GAAP)

14,221

13,779

13,855

13,887

13,628

Less:

Average preferred stock

(717)

(398)

Average goodwill

(2,416)

(2,417)

Average intangible assets

(24)

(26)

(28)

(31)

(34)

Average tangible common equity (c)

11,064

10,939

11,012

11,041

10,779

Total Bancorp shareholders' equity (U.S. GAAP)

14,239

13,882

13,716

13,718

13,773

Less:

Preferred stock

(991)

(398)

Goodwill

(2,416)

(2,417)

Intangible assets

(23)

(25)

(27)

(30)

(33)

Tangible common equity, including unrealized gains / losses (d)

10,809

11,043

10,875

10,873

10,925

Less: Accumulated other comprehensive income / loss

(149)

(333)

(375)

(468)

(454)

Tangible common equity, excluding unrealized gains / losses (e)

10,660

10,710

10,500

10,405

10,471

Total assets (U.S. GAAP)

123,360

121,382

121,894

117,483

117,543

Less:

Goodwill

(2,416)

(2,417)

Intangible assets

(23)

(25)

(27)

(30)

(33)

Tangible assets, including unrealized gains / losses (f)

120,921

118,941

119,451

115,036

115,093

Less: Accumulated other comprehensive income / loss, before tax

(229)

(512)

(577)

(720)

(698)

Tangible assets, excluding unrealized gains / losses (g)

120,692

118,429

118,874

114,316

114,395

Common shares outstanding (h)

851

875

882

897

919

Ratios:

Return on average tangible common equity (b) / (c)

21.1%

15.4%

14.1%

12.8%

14.1%

Tangible common equity (excluding unrealized gains/losses) (e) / (g)

8.83%

9.03%

8.83%

9.10%

9.15%

Tangible common equity (including unrealized gains/losses) (d) / (f)

8.94%

9.28%

9.10%

9.45%

9.49%

Tangible book value per share (d) / (h)

12.69

12.62

12.33

12.12

11.89

For the Three Months Ended

Regulation G Non-GAAP reconciliation

Fifth Third Bancorp and Subsidiaries

Regulation G Non-GAAP Reconcilation

$ and shares in millions

(unaudited)

June

March

December

September

June

2013

2012

Total Bancorp shareholders' equity (U.S. GAAP)

$14,239

$13,882

$13,716

$13,718

$13,773

Goodwill and certain other intangibles

(2,496)

(2,504)

(2,499)

(2,504)

(2,512)

Unrealized gains

(149)

(333)

(375)

(468)

(454)

Qualifying trust preferred securities

810

2,248

Other

Tier I capital

12,426

11,878

11,685

11,594

13,093

Less:

Preferred stock

(991)

(398)

Qualifying trust preferred securities

(810)

(2,248)

Qualifying noncontrolling interest in consolidated subsidiaries

(38)

(48)

(51)

Tier I common equity (a)

10,587

10,632

10,429

10,335

10,396

Risk-weighted assets, determined in accordance with

prescribed regulatory requirements (b)

112,285

109,626

109,699

106,858

106,398

Ratio:

Tier I common equity (a) / (b)

9.43%

9.70%

9.51%

9.67%

9.77%

Basel III - Estimated Tier 1 common equity ratio

June

2013

Tier 1 common equity (Basel I)

$10,587

Add:

Adjustment related to Capital components

$86

Estimated Tier 1 common equity under final Basel III rules without AOCI (opt out)(c)

$10,673

Add:

Adjustment related to AOCI

$149

Estimated Tier 1 common equity under final Basel III rules with AOCI (non opt out)(d)

$10,822

Estimated risk-weighted assets under final Basel III rules (e)

117,366

Estimated Tier 1 common equity ratio under final Basel III rules (opt out) (c) / (e)

9.09%

Estimated Tier 1 common equity ratio under final Basel III rules (non opt out) (d) / (e)

9.22%

For the Three Months Ended

(c), (d)

(e)

Under the final Basel III rules, non-advanced approach banks are permitted to make a one-time election to opt out of the requirement to include AOCI in Tier 1 common equity. Other

adjustments include mortgage servicing rights and deferred tax assets subject to threshold limitations and deferred tax liabilities related to intangible assets.

Key differences under Basel III in the calculation of risk-weighted assets compared to Basel I include: (1) Risk weighting for commitments under 1 year; (2) Higher risk weighting for

exposures to securitizations, past due loans, foreign banks and certain commercial real estate; (3) Higher risk weighting for mortgage servicing rights and deferred tax assets that are

under certain thresholds as a percent of Tier 1 capial; and (4) Derivatives are differentiated between exchange clearing and over-the-counter and the 50% risk-weight cap is removed.