Fifth Third Bancorp · NASDAQ:FITB

Fifth Third Bancorp — BancAnalysts Association of Boston Conference 2023

11 slides from Fifth Third Bancorp's conference presentation, Nov 2, 2023

1. Slide 1: BancAnalysts Association of Boston Conference

   © Fifth Third Bancorp | All Rights Reserved © Fifth Third Bancorp | All Rights Reserved BancAnalysts Association of Boston Conference Jamie Leonard Executive Vice President and Chief Financial Officer November 3, 2023

2. Slide 2: Forward-looking statements

   © 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, as amended, and Rule 175 promulgated thereunder, and Section 21E of the Securities Exchange Act of 1934,

3. Slide 3: Fifth Third's operational priorities

   © Fifth Third Bancorp | All Rights Reserved Fifth Third’s operational priorities Continually investing for long-term outperformance Through the cycle discipline throughout the bank – liquidity/deposits, credit, rates, expenses, and capital management Focused on consistently generating top quartile p

4. Slide 4: Strategic, multi-year discipline in our high-quality deposit franchise

   © Fifth Third Bancorp | All Rights Reserved 2Q22 3Q22 4Q22 1Q23 2Q23 3Q23 FITB Peer Median H8 • 25% FDIC insured 2 • 94% of balances represented by relationships that utilized Treasury Management services (including 84% of uninsured) • Balanced-weighted relationship age of 24 years • Median relation

5. Slide 5: Consistent and focused investments in the Consumer deposit franchise

   © Fifth Third Bancorp | All Rights Reserved 5 Presence 1 See forward-looking statements on page 2 of this presentation Consistent and focused investments in the Consumer deposit franchise Products Consistent focus has led to ~3% annualized organic household growth over the past 5 years • 90%+ of bra

6. Slide 6: Diversified loan portfolios and over a decade of credit discipline

   © Fifth Third Bancorp | All Rights Reserved ✓ Disciplined client selection with a focus on diversification ✓ Strict industry and geography concentration limits ✓ Have maintained lowest CRE concentration among peers ✓ Limited office CRE exposure with $0 net-charge offs over last 12 months and 0% deli

7. Slide 7: Transparent rate risk disclosures and strong NII performance

   © Fifth Third Bancorp | All Rights Reserved 3% (1%) (4%) (5%) (6%) (7%) (11%) (16%) (17%) (17%) (22%) Peer 1 FITB Peer 2 Peer 3 Peer 4 Peer 5 Peer 6 Peer 7 Peer 8 Peer 9 Peer 10 Transparent rate risk disclosures and strong NII performance highlight Fifth Third’s relative stability NII performance re

8. Slide 8: Significant upside from securities portfolio accretion

   © Fifth Third Bancorp | All Rights Reserved ($5.8) ($4.5) ($3.7) ($3.1) ($2.5) ($2.0) $1.3 $2.1 $2.7 $3.3 $3.8 9/30/23 12/31/24E 12/31/25E 12/31/26E 12/31/27E 12/31/28E Significant upside from securities portfolio accretion 8 Projected AOCI accretion 1 $ in billions; 9/30 securities portfolio unreal

9. Slide 9: Why Fifth Third

   © Fifth Third Bancorp | All Rights Reserved ✓ Well positioned to navigate the potential capital and liquidity regulatory changes ✓ Well-diversified and resilient balance sheet to provide stability in uncertain environments ✓ Consistent investments to generate balanced and growing revenue streams whi

10. Slide 10: Appendix

    © Fifth Third Bancorp | All Rights Reserved Appendix 10

11. Slide 11: Dividend Finance: Premier residential solar lender

    © Fifth Third Bancorp | All Rights Reserved Dividend Finance: Premier residential solar lender 11 ✓ #2 market share - US residential solar lending ✓ Contractor relationships; ~120 regional solar installer network ✓ Understand solar lending complexities; pioneered leading financing process in 2013, a

Fifth Third Bancorp — BancAnalysts Association of Boston Conference 2023 on 6ix