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五三银行Fifth Third Bancorp(FITB)2025年第一季度财务业绩演示报告「NASDAQ」(英文版)(45页).pdf

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1、 Fifth Third Bancorp|All Rights Reserved Fifth Third Bancorp 1Q25 Earnings Presentation April17,2025Refer to earnings release dated April17,2025 for further information.Fifth Third Bancorp|All Rights Reserved This presentation contains statements that we believe are“forward-looking statements”within

2、 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

3、 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,”“forec

4、ast,”“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 relianc

5、e 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 cou

6、ld cause future results to differ materially from historical performance and these forward-looking statements.Factors that might cause such a difference include,but are not limited to:(1)deteriorating credit quality;(2)loan concentration by location or industry of borrowers or collateral;(3)problems

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1. **业绩表现**:1Q25调整后EPS $0.71,ROA 0.99%,ROE 10.8%,NIM 3.03%(连续5季度扩张),调整后效率比率60.5%(同比改善110bps)。 2. **贷款增长**:平均贷款环比/同比增3%,商业和消费者贷款分别增1%/3%,消费者家庭数增2%(东南部增5%)。 3. **收入结构**:净利息收入$14.42亿,非利息收入$6.94亿(财富管理+6%,商业支付+6%);调整后非利息收入$7.21亿(同比+1%)。 4. **信贷质量**:净核销率稳定在0.46%,NPL比率0.79%,30-89天逾期率0.31%。 5. **资本与流动性**:CET1比率10.45%,LCR 127%,贷款/核心存款比75%。 6. **未来展望**:FY25净利息收入预计增5-6%,非利息收入增1-3%,净核销率40-49bps。
**财报亮点?** **NIM为何增长?** **信贷质量如何?**
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