1、4Q25 Earnings Presentation January20,2026Refer to earnings release dated January20,2026 for further information.Fifth Third Bancorp|All Rights Reserved This presentation contains statements that we believe are“forward-looking statements”within the meaning of Section 27A of the Securities Act of 1933

2、,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

3、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 simila

4、r 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 un

5、certainties,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 histori

6、cal 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 encountered by other financial institutions;(4)inadequat