Fifth Third Bancorp · NASDAQ:FITB
Fifth Third Bancorp — Non-Deal Roadshow (July 2026)
27 slides from Fifth Third Bancorp's roadshow presentation, Jul 30, 2026
Slide 1: Investor Presentation July 2026
© Fifth Third Bancorp | All Rights Reserved Investor Presentation July 2026
Slide 2: Delivering shareholder outperformance
2 © Fifth Third Bancorp | All Rights Reserved 1 Peer 1 47% Peer 1 150% Peer 7 159% Peer 7 386% 2 Peer 9 42% Peer 4 122% Peer 1 158% Peer 1 367% 3 FITB 37% FITB 120% FITB 153% FITB 334% 4 Peer 6 29% Peer 2 111% Peer 6 127% Peer 6 316% 5 Peer 5 29% Peer 10 106% Peer 2 105% Peer 10 247% 6 Peer 10 25% P
Slide 3: Top 10 U.S. Bank with local scale and national reach
3 © Fifth Third Bancorp | All Rights Reserved Top 10 U.S. Bank with local scale and national reach1 Assets $300 billion Ranked 9th in the U.S.1 Deposits $234 billion Ranked 9th in the U.S.1 U.S. branches 1,500 Ranked 7th in the U.S.1 Note: Assets, deposits, and branches as of 6/30/26; 1Rankings as o
Slide 4: Disciplined execution guided by core principles
4 © Fifth Third Bancorp | All Rights Reserved Disciplined execution guided by core principles Stability Profitability Growth ✓ Resilient balance sheet ✓ Strong credit profile ✓ Branch-originated insured deposits and operational deposits tied to payments services ✓ NII growth and NIM expansion ✓ Dive
Slide 5: A decade of value creation – positioned for the next decade of growth
5 © Fifth Third Bancorp | All Rights Reserved Total assets have more than doubled A decade of value creation – Positioned for the next decade of growth Total assets ($ billions) 1Rankings as of 3/31/26 and consist of US commercial banks and exclude foreign, trust, & traditional investment banks; 2So
Slide 6: Evolution of Fifth Third over the last two decades
6 © Fifth Third Bancorp | All Rights Reserved Evolution of Fifth Third over the last two decades 2005 2010 2015 2020 2025 2005 2010 2015 2020 2025 2Q26 Assets $105B $111B $141B $205B $214B $300B FTE ~21,700 ~20,800 ~18,300 ~19,900 ~18,700 ~25,200 Assets FTE $4.9MM $5.3MM $7.7MM $10.3MM $11.5MM $11.9
Slide 7: A simple, diversified business portfolio
7 © Fifth Third Bancorp | All Rights Reserved NII contribution1 45% 50% 5% 50% 32% 18%Fee contribution1 A simple, diversified business portfolio • Texas Commercial Banking Loans $56B Deposits $123B Loans $10B Deposits $13B Loans $114B Deposits $96B Consumer & Small Business Banking Wealth & Asset Ma
Slide 8: Fifth Third and Comerica: Combination leverages franchise strengths
8 © Fifth Third Bancorp | All Rights Reserved Fifth Third and Comerica: Combination leverages franchise strengths for value creation Now: A compelling strategic transaction Superior financial outcomes • No tangible book value per share1 dilution — immediate “cash-on- cash” return of investment • One
Slide 9: Relationship banking powerhouse positioned to grow
9 © Fifth Third Bancorp | All Rights Reserved Relative asset size does not reflect middle market scale Relationship banking powerhouse positioned to grow 283 364 618 2021 2026 Salesforce additions drive growth1 Middle market salesforce $18 $23 $37 2021 2026 Middle market loans ($B) Deep, relationshi
Slide 10: Fee revenue mix is well-diversified
10 © Fifth Third Bancorp | All Rights Reserved 33% 30% x LTM 2Q26 Peer Median Fee revenue mix is well-diversified 24% 23% 17% 14% 12% 5% 5% Commercial Banking Mortgage Banking Other Noninterest Income Wealth & Asset Management Commercial Payments Consumer Banking Capital Markets Strategic investment
Slide 11: Commercial Payments with significant scale and leading technology
11 © Fifth Third Bancorp | All Rights Reserved 24% 23% 17% 14% 12% 5% 5% Commercial Payments with significant scale and leading technology Well established commercial payments organization with significant scale #2 of 37 in Coin and currency revenue #2 of 32 in Retail lockbox remittances #3 of 42 in
Slide 12: Evolving from outsourcing to automation to agentic work
12 © Fifth Third Bancorp | All Rights Reserved Evolving from: Outsourcing Automation Agentic Work 2010 2015 2020 2025 Deliberately moving from providing tools customers use to manage finances to delivering solutions that complete the jobs for them Future Agentic Solutions CPS® Launched 2014 Expert A
Slide 13: Wealth & Asset Management has scale and continues to expand
13 © Fifth Third Bancorp | All Rights Reserved $190 $142 $95 $79 $60$58 $37$35 $22$20 $7$4 Peer 6Peer 9XPeer 8Peer 7Peer 4Peer 5Peer 3Peer 11Peer 2Peer 10Peer 1 Wealth & Asset Management has scale and continues to expand $787 $449 $222 $156$144$124 $68$59$54$33$6 Peer 9XPeer 6Peer 5Peer 8Peer 7Peer
Slide 14: Balanced Capital Markets franchise delivering long-term growth
14 © Fifth Third Bancorp | All Rights Reserved M&A DCM & Loan SyndicationHedging Balanced Capital Markets franchise delivering long-term growth 14% 12% 5%5% 24% 23% 17% Growing fees across the Capital Markets business 2019 LTM 2Q26 $0.6B $0.3B 8% CAGR 9% CAGR 12% CAGR 4% CAGR 9% CAGR Financial risk
Slide 15: Four distinct $10B deposit opportunities
15 © Fifth Third Bancorp | All Rights Reserved Four distinct $10B deposit opportunities Market Expansion Tech-enabled relationship deepening Proven deposit playbooks, expanded through Comerica – diversified across customers, markets, and capabilities 1 2 3 4 Southeast branch maturation Texas de novo
Slide 16: Accelerating our decade-long network expansion
16 © Fifth Third Bancorp | All Rights Reserved Accelerating our decade-long network expansion1 Branch distribution by region2 Source: S&P Capital IQ; 1See forward-looking statements on page 27 of this presentation regarding forward-looking non-GAAP measures and use of non-GAAP measures on pages 27-2
Slide 17: Southeast expansion track record: 2018 → 2026
17 © Fifth Third Bancorp | All Rights Reserved Southeast expansion track record: 2018 → 2026 A proven Southeast playbook, ready for the Southwest Southeast retail deposits The Southeast is delivering The Southwest is the next chapter of the same repeatable playbook $35 $51 2Q18 2Q26 Deposits / branc
Slide 18: Only regional bank that has outgrown each of its Top 10 markets
18 © Fifth Third Bancorp | All Rights Reserved Fifth Third is the only regional bank that has outgrown each of its Top 10 markets Source: S&P Global. Branch and deposit data as of 6/30/25. Rows represent each bank's top 10 MSAs by total deposits, ranked largest to smallest. 1Peer 1 did not have pres
Slide 19: Southeast de novo expansion leading to strong deposit growth
19 © Fifth Third Bancorp | All Rights Reserved Southeast de novo expansion leading to strong deposit growth and profitability The southeast’s share of total retail deposits continues to grow as the de novo network matures Percentage of total retail deposits Southeast investments driving strong granu
Slide 20: Historical net charge-off and NPA ratios
20 © Fifth Third Bancorp | All Rights Reserved Historical net charge-off and NPA ratios Note: 3Q25 net charge-off ratio and commercial net charge-off ratio impacted by isolated fraud loss related to Tricolor. 1Excludes 2020, 2021, and 2022 metrics. 2Loan balances exclude nonaccrual loans HFS. Net ch
Slide 21: Relationship focused main street lender with lower NDFI exposure
21 © Fifth Third Bancorp | All Rights Reserved Relationship focused main street lender with lower NDFI exposure Non-depository financial institution portfolio $ in billions; as of 6/30/2026 1Loans to NDFI’s are preliminary as of June 30, 2026. 2Source: Call Report, Domestic Offices as of March 31, 2
Slide 22: High quality Shared National Credit portfolio
22 © Fifth Third Bancorp | All Rights Reserved High quality Shared National Credit portfolio Shared National Credit portfolio is well diversified $ in billions; as of 6/30/2026 1Net losses charged-off as a percent of average portfolio loans and leases presented on an annualized basis. 2Nonperforming
Slide 23: Strong liquidity and capital position
23 © Fifth Third Bancorp | All Rights Reserved Strong liquidity and capital position 1Current period regulatory capital ratios are estimated. 2Excludes AOCI on cash flow hedges.
Slide 24: Securities portfolio AOCI accretion
24 © Fifth Third Bancorp | All Rights Reserved Securities portfolio AOCI accretion 1See forward-looking statements on page 27 of this presentation regarding forward-looking non-GAAP measures and use of non-GAAP measures on pages 27-29 of the 2Q26 earnings release. 2Analysis based on 6/30/2026 portfo
Slide 25: Balance sheet positioned to grow tangible book value per share
25 © Fifth Third Bancorp | All Rights Reserved Balance sheet positioned to grow tangible book value per share 1See forward-looking statements on page 27 of this presentation regarding forward-looking non-GAAP measures and use of non-GAAP measures on pages 27–29 of the 2Q26 earnings release. 2Analysi
Slide 26: Why Fifth Third
26 © Fifth Third Bancorp | All Rights Reserved Why Fifth Third Positioned to generate long-term sustainable value to shareholders despite the environment ✓ Well-diversified and resilient balance sheet to provide stability and profitability ✓ Consistent investments to generate balanced and growing re
Slide 27: Cautionary Statement
27 © Fifth Third Bancorp | All Rights Reserved Cautionary Statement This presentation 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 Securiti