Fifth Third Bancorp · NASDAQ:FITB

Fifth Third Bancorp — RBC Capital Markets Financial Institutions Conference 2026

15 slides from Fifth Third Bancorp's conference presentation, Mar 11, 2026

  1. Slide 1: RBC Capital Markets Financial Institutions Conference March 11, 2026

    © Fifth Third Bancorp | All Rights Reserved RBC Capital Markets Financial Institutions Conference March 11, 2026

  2. Slide 2: Top performing regional bank with local scale and national reach

    2 © Fifth Third Bancorp | All Rights Reserved Southwest footprint Top performing regional bank with local scale and national reach Assets $294 billion Ranked 9th in the U.S.1 Deposits $237 billion Ranked 9th in the U.S.1 U.S. branches 1,482 Ranked 7th in the U.S.1 Note: Assets, loans, deposits, and

  3. Slide 3: A simple, diversified business portfolio

    3 © Fifth Third Bancorp | All Rights Reserved NII contribution1 43% 53% 4% 51% 32% 17%Fee contribution1 A simple, diversified business portfolio • Texas Commercial Banking Loans $55B Deposits $117B Loans $10B Deposits $14B Loans $111B Deposits $99B Consumer & Small Business Banking Wealth & Asset Ma

  4. 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

  5. Slide 5: Delivering shareholder outperformance

    5 © Fifth Third Bancorp | All Rights Reserved 1 Peer 1 65% Peer 2 68% FITB 136% Peer 7 429% 2 Peer 5 55% Peer 1 68% Peer 7 126% FITB 359% 3 FITB 54% FITB 65% Peer 1 121% Peer 1 354% 4 Peer 6 52% Peer 5 64% Peer 6 117% Peer 6 262% 5 Peer 7 37% Peer 7 60% Peer 2 99% Peer 10 255% 6 Peer 4 33% Peer 6 47

  6. Slide 6: Middle Market banking powerhouse positioned to grow

    6 © Fifth Third Bancorp | All Rights Reserved Middle Market banking powerhouse positioned to grow 283 353 626 2021 2025 Salesforce additions drive growth1 Middle market salesforce $18 $23 $37 2021 2025 Middle market loans ($B) Deep, relationship driven Middle Market platform serving diverse industri

  7. Slide 7: Accelerating our decade-long network expansion

    7 © 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 15 of this presentation regarding forward-looking non-GAAP measures and use of non-GAAP measures on pages 27-29

  8. Slide 8: Southeast de novo expansion leading to strong deposit growth and profitability

    8 © 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 granul

  9. Slide 9: Peer-leading deposit growth opportunity

    9 © Fifth Third Bancorp | All Rights Reserved 26 43 89 137 100 93 305 215 150 7 8 11 26 126 42 136 52 394 502 Peer 5 Peer 4 Peer 10 Peer 1 Peer 7 Peer 9 Peer 8 Peer 3 Peer 6 * Peer-leading deposit growth opportunity # of branches aged less than 5 years at year end 20301 Source: S&P Global Market Int

  10. Slide 10: High-quality consumer deposit franchise

    10 © Fifth Third Bancorp | All Rights Reserved 22% 25% 30% 32% 34% 34% 41% 44% 44% 46% 48% 49% 55% Peer 5 Peer 9 Peer 10 Peer 8 Peer 3 Peer 2 Peer 4 Peer 11 xx Peer 6 Peer 1 x Peer 7 Smaller proportion of low relationship value consumer deposits than most peers High-quality consumer deposit franchis

  11. Slide 11: Upcoming Comerica integration timeline

    11 © Fifth Third Bancorp | All Rights Reserved Final StepsUpcoming Comerica integration timeline1 Completed October 6, 2025 Announced acquisition of Comerica 4Q25 Finalized organizational design February 1, 2026 Legal close of transaction 2Q26-3Q26 3 conversion mocks to test system readiness Convers

  12. Slide 12: 2026 expectations

    12 © Fifth Third Bancorp | All Rights Reserved As of January 20, 2026 As of March 11, 2026 Avg. loans & leases (Including HFS) mid-$170s billion mid-$170s billion Net interest income1 (FY25 baseline: $6.0 billion) $8.6 - $8.8 billion assumes 12/31/26 Fed funds rate of 3.25% and includes the impact o

  13. Slide 13: 1Q26 current expectations

    13 © Fifth Third Bancorp | All Rights Reserved 1Q26 current expectations As of March 11, 2026; please see cautionary statements on page 15 1Q26 expectations Avg. loans & leases (Including HFS) $158 - $159 billion March EOP $177- $178 billion Net interest income1 (4Q25 baseline: $1.53 billion) ~$1.93

  14. Slide 14: Why Fifth Third

    14 © 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

  15. Slide 15: Cautionary Statement

    15 © 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

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