Fifth Third Bancorp · NASDAQ:FITB

Fifth Third Bancorp — Morgan Stanley US Financials Conference 2026

15 slides from Fifth Third Bancorp's conference presentation, Jun 9, 2026

  1. Slide 1: Morgan Stanley US Financials Conference June 10, 2026

    © Fifth Third Bancorp | All Rights Reserved Morgan Stanley US Financials Conference June 10, 2026

  2. Slide 2: Top 10 U.S. Bank with local scale and national reach

    2 © Fifth Third Bancorp | All Rights Reserved Top 10 U.S. Bank with local scale and national reach1 Assets $297 billion Ranked 9th in the U.S.1 Deposits $234 billion Ranked 9th in the U.S.1 U.S. branches 1,489 Ranked 7th in the U.S.1 Note: Assets, deposits, and branches as of 3/31/26; 1Rankings as o

  3. Slide 3: Disciplined execution guided by core principles

    3 © 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

  4. Slide 4: A simple, diversified business portfolio

    4 © Fifth Third Bancorp | All Rights Reserved NII contribution1 43% 53% 4% 49% 33% 18%Fee contribution1 A simple, diversified business portfolio • Texas Commercial Banking Loans $55B Deposits $118B Loans $10B Deposits $14B Loans $112B Deposits $99B Consumer & Small Business Banking Wealth & Asset Ma

  5. Slide 5: Evolution of Fifth Third over the last two decades

    5 © 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 Assets $105B $111B $141B $205B $214B FTE ~21,700 ~20,800 ~18,300 ~19,900 ~18,700 Assets FTE $4.9MM $5.3MM $7.7MM $10.3MM $11.5MM 2010-2016 Launched Trans

  6. Slide 6: A decade of value creation – Positioned for the next decade of growth

    6 © 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

  7. Slide 7: Delivering shareholder outperformance

    7 © Fifth Third Bancorp | All Rights Reserved 1 Peer 1 61% Peer 5 63% Peer 7 172% Peer 7 318% 2 Peer 4 40% Peer 1 60% Peer 1 153% Peer 1 299% 3 FITB 36% Peer 7 57% FITB 152% FITB 288% 4 Peer 7 34% FITB 50% Peer 2 123% Peer 6 252% 5 Peer 10 32% Peer 2 49% Peer 6 118% Peer 10 188% 6 Peer 6 31% Peer 6

  8. Slide 8: Accelerating our decade-long network expansion

    8 © 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 26-28

  9. Slide 9: Four distinct $10B deposit opportunities

    9 © 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

  10. Slide 10: Relationship banking powerhouse positioned to grow

    10 © Fifth Third Bancorp | All Rights Reserved Relative asset size does not reflect middle market scale Relationship banking powerhouse positioned to grow 283 350 608 2021 2026 Salesforce additions drive growth1 Middle market salesforce $18 $23 $37 2021 2026 Middle market loans ($B) Deep, relationsh

  11. Slide 11: Fee revenue mix is well-diversified

    11 © Fifth Third Bancorp | All Rights Reserved 33% 29% x LTM 4Q25 Peer Median Fee revenue mix is well-diversified 24% 22% 18% 14% 12% 5% 5% Commercial Banking Mortgage Banking Other Noninterest Income Wealth & Asset Management Commercial Payments Consumer Banking Capital Markets Strategic investment

  12. Slide 12: Comerica integration update

    12 © Fifth Third Bancorp | All Rights Reserved Comerica integration update1 We are progressing with high confidence toward the Comerica conversion over Labor Day weekend 1See forward-looking statements on page 15 of this presentation regarding forward-looking non-GAAP measures and use of non-GAAP me

  13. Slide 13: 2Q26 current expectations

    13 © Fifth Third Bancorp | All Rights Reserved 2Q26 current expectations Avg. loans & leases (Including HFS) $178 -$179 billion Net interest income1 (1Q26 baseline: $1.94 billion) $2.20 - $2.25 billion assumes 6/30/26 Fed funds rate of 3.75% and includes the impact of purchase accounting accretion N

  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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