1、Fifth Third Bancorp Reports Third Quarter 2025 Diluted Earnings Per Share of$0.91Strong revenue growth and expense discipline drives 4th consecutive quarter of positive operating leverageReported results included a negative$0.02 impact from certain items on page 2Key Financial DataKey Highlights$in

2、millions for all balance sheet and income statement items3Q252Q253Q24 Stability:3%demand deposit growth year-over-year;Interest-bearing liabilities costs down for the fifth consecutive quarter Commercial NPAs improved 14%from 2Q25 Tangible book value per share(a)grew 7%year-over-year Profitability:N

3、et interest margin expanded for the 7th consecutive quarter and NII increased 7%year-over-year Strong fee performance driven by 28%growth in capital markets fees and 9%growth in wealth and asset management revenue from 2Q25 Disciplined expense management;efficiency ratio(a)of 54.9%;adjusted efficien

4、cy ratio(a)of 54.1%,an improvement of 180 bps year-over-year Growth:6%loan growth compared to 3Q24;annual loan growth accelerated to highest level in over two years Consumer household growth of 3%,including 7%in the Southeast Assets under management of$77B,up 12%compared to 3Q24Income Statement Data

5、Net income available to common shareholders$608$591$532Net interest income(U.S.GAAP)1,5201,4951,421Net interest income(FTE)(a)1,5251,5001,427Noninterest income781750711Noninterest expense1,2671,2641,244Per Share DataEarnings per share,basic$0.91$0.88$0.78Earnings per share,diluted0.910.880.78Book va

6、lue per share29.2628.4727.60Tangible book value per share(a)21.6620.9820.20Balance Sheet&Credit QualityAverage portfolio loans and leases$123,326$123,071$116,826Average deposits164,754163,575167,196Accumulated other comprehensive loss(3,276)(3,546)(3,446)Net charge-off ratio(b)1.09%0.45%0.48%Nonperf