五三银行Fifth Third Bancorp（FITB）2025年第一季度业绩报告「NASDAQ」（英文版）（28页）.pdf

1、Fifth Third Bancorp Reports First Quarter 2025 Diluted Earnings Per Share of$0.71Loan growth,net interest margin expansion,and expense discipline leads to positive operating leverageReported results included a negative$0.02 impact from certain items on page 2Key Financial DataKey Highlights$in milli

2、ons for all balance sheet and income statement items1Q254Q241Q24 Stability:Resilient balance sheet delivered stable NII sequentially and 4%growth compared to 1Q24,attributed to loan growth,deposit rate management,and fixed-rate asset repricing Net charge-off ratio remained stable sequentially Profit

3、ability:Continued expense discipline:Expenses down 3%compared to 1Q24,and stable on an adjusted basis.Efficiency ratio(a)of 61.0%.Adjusted efficiency ratio(a)of 60.5%improved 110 bps compared to 1Q24 Net interest margin expanded for the 5th consecutive quarter.Interest-bearing liabilities costs down

4、 20 bps from 4Q24 Growth:Average loans up 3%sequentially and year-over-year due to growth in both commercial and consumer lending Generated 20%more commercial new quality relationships compared to 1Q24 Wealth&asset management revenue up 7%and commercial payments revenue up 6%year-over-yearIncome Sta

5、tement DataNet income available to common shareholders$478$582$480Net interest income(U.S.GAAP)1,4371,4371,384Net interest income(FTE)(a)1,4421,4431,390Noninterest income694732710Noninterest expense1,3041,2261,342Per Share DataEarnings per share,basic$0.71$0.86$0.70Earnings per share,diluted0.710.85

6、0.70Book value per share27.4126.1724.72Tangible book value per share(a)19.9218.6917.35Balance Sheet&Credit QualityAverage portfolio loans and leases$121,272$117,860$117,334Average deposits164,157167,237168,122Accumulated other comprehensive loss(3,895)(4,636)(4,888)Net charge-off ratio(b)0.46%0.46%0