Fifth Third Bancorp · NASDAQ:FITB

Fifth Third Bancorp — Goldman Sachs U.S. Financial Services Conference 2015

12 slides from Fifth Third Bancorp's conference presentation, Dec 8, 2015

  1. Slide 1: Goldman Sachs U.S. Financial Services Conference

    Exhibit 99.1 Goldman Sachs U.S. Financial Services Conference Greg D. Carmichael President & Chief Executive Officer December 8, 2015 Refer to earnings release dated October 20, 2015 for further information © Fifth Third Bank | All Rights Reserved

  2. Slide 2: Long-term shareholder value creation

    Long-term shareholder value creation • Long-term focus Through the cycle • Disciplined business execution within performance risk appetite • Efficiency and operational leverage Operational • Regulatory excellence Excellence • Customer-centric execution Investment for • Enhance competitive advantage

  3. Slide 3: Critical components of execution

    Critical components of execution 1 Clarity on strategic priorities — Rolling out strategies faster — Driving efficiencies quicker — Serving customers better 2 Right talent — Hiring talented, experienced executives — Upgrading sales and credit functions 3 Accountability — Getting good returns on ever

  4. Slide 4: Cornerstones of corporate performance

    Cornerstones of corporate performance Growth Profitability Average Portfolio Loans ($B) Net Interest Income ($MM) $950 $100 $9 $96 $900 $33 $92 $850 $88 $906 $93 $875 $91 $800 $84 $80 $750 3Q14 3Q15 3Q14 3Q15 NII excluding Deposit Advance Deposit Advance 1 Average Core Deposits ($B) Fee Income ($MM)

  5. Slide 5: Stability driven by risk reduction

    Stability driven by risk reduction EOP Portfolio Loan Balances 3% 4% 3% 3% 3% 3% 3% 3% 3% 11% 10% 11% 14% 15% 14% 14% 13% 13% Actions Taken 15% 15% 16% 12% 11% 10% 9% 15% 13% 8% Reduced CRE exposure 8% 11% 9% 15% 16% 16% 16% 13% 15% 14% Established risk/return preferences within 14% 13% 11% 13% 14%

  6. Slide 6: Operational excellence and back-office efficiency

    Operational excellence and back-office efficiency Opportunities in Leveraging technology to legacy cost structure streamline processes, lower costs, and improve service excellence Investing in image-based system Investing in digital resolution of customer service inquires 60 MM Reduce error frequenc

  7. Slide 7: Accelerating growth in assets with higher capital return

    Accelerating growth in assets with higher capital return More 1-3 year Capital 3Q07 EOP 3Q15 EOP Strategic Efficient Portfolio Balance Balance Outlook Commercial & Industrial $22,649 $42,948 Credit Card $1,460 $2,229 Home Equity $11,737 $8,427 Residential Mortgage $9,057 $13,392 Commercial Real Esta

  8. Slide 8: Well-positioned franchise

    Well-positioned franchise Top 10 National Commercial and Consumer Bank #5 Non-Captive Prime Auto Originator #7 Retail Bank #9 Small Business Banking Franchise #11 Home Equity Lender In footprint markets #8 Equipment Finance • Retail network is anchor business National commercial banking #8 Treasury

  9. Slide 9: Capital management

    Capital management Organic growth opportunities • Support growth of core banking franchise through continued loan growth within risk appetite Dividends • Long term sustainable dividend growth within regulatory guidance Share repurchases • Continued return of excess capital to shareholders • Potentia

  10. Slide 10: Fifth Third priorities

    Fifth Third priorities Through the cycle performance Operational excellence Investment for shareholder value creation 10 © Fifth Third Bank | All Rights Reserved

  11. Slide 11: Cautionary statement

    Cautionary statement This report 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 Securities Exchange Act of 1934, as amended, and Rule 3b-6 pr

  12. Slide 12: Continued monetization of Vantiv stake

    Continued monetization of Vantiv stake Secondary offering of 13.4 million shares of Class A Common Stock on 12/2/15 Description Value of Transaction Remaining Position Partial cancellation of the warrant to 4.8mm units (24% of original warrant) 1 purchase additional ownership in for $200mm cash paym

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