Fifth Third Bancorp · NASDAQ:FITB

Fifth Third Bancorp — Barclays Global Financial Services Conference 2026

18 slides from Fifth Third Bancorp's conference presentation, Sep 14, 2026

  1. Slide 1: Barclays Global Financial Services Conference

    © Fifth Third Bancorp | All Rights Reserved Barclays Global Financial Services Conference September 15, 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 $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

  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: Delivering shareholder outperformance

    4 © Fifth Third Bancorp | All Rights Reserved 1 Peer 1 43% Peer 1 192% Peer 1 195% Peer 7 357% 2 Peer 9 35% FITB 139% Peer 7 190% Peer 1 335% 3 FITB 28% Peer 4 135% FITB 183% FITB 300% 4 Peer 5 26% Peer 6 131% Peer 6 153% Peer 6 295% 5 Peer 6 25% Peer 2 120% Peer 10 113% Peer 10 209% 6 Peer 10 25% P

  5. Slide 5: A simple, diversified business portfolio

    5 © 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

  6. 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

  7. Slide 7: A decade of value creation – Positioned for the next decade of growth

    7 © 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

  8. Slide 8: Successful conversion of Comerica

    8 © Fifth Third Bancorp | All Rights Reserved Successful conversion of Comerica1 1See forward-looking statements on page 18 of this presentation regarding forward-looking non-GAAP measures and use of non-GAAP measures on pages 27-29 of the 2Q26 earnings release. Conversion & Integration complete • C

  9. Slide 9: Momentum building through our people, products, and capabilities

    9 © Fifth Third Bancorp | All Rights Reserved Momentum building through our people, products, and capabilities Commercial Consumer Execution of revenue synergies1 Sources of revenue opportunities In revenue opportunities over next 3-5 years $500M+ 50-60% 40-50% 1See forward-looking statements on pag

  10. Slide 10: High-quality consumer deposit franchise

    10 © Fifth Third Bancorp | All Rights Reserved x Peer 1 Peer 2 Peer 3 Peer 4 Peer 5 Peer 6 Peer 7 Peer 8 Peer 9 Peer 10 Peer 11 10% 20% 30% 40% 50% 60% -10% -5% 0% 5% 10% High-quality consumer deposit franchise 1Data sourced from Call Report and Includes: nonInt bearing deposits for individuals, int

  11. Slide 11: Four distinct $10B deposit opportunities

    11 © 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

  12. Slide 12: Southeast expansion track record: 2018 – 2026

    12 © 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

  13. Slide 13: Accelerating our decade-long network expansion

    13 © 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 18 of this presentation regarding forward-looking non-GAAP measures and use of non-GAAP measures on pages 27-2

  14. Slide 14: Fee revenue mix is well-diversified

    14 © 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

  15. Slide 15: Lower NDFI exposure, less reliance on NDFI for growth

    15 © Fifth Third Bancorp | All Rights Reserved Lower NDFI exposure, less reliance on NDFI for growth Peer 7 Peer 10 Peer 9 Peer 5 Peer 2 Peer 6 Peer 3 Peer 8 Peer 4 Peer 1 Peer 11 0% 5% 10% 15% 20% 25% 30% 35% 40% 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% NDFI % of Commercial Loan Growth3 N D F I1

  16. Slide 16: 3Q26 outlook

    16 © Fifth Third Bancorp | All Rights Reserved 3Q26 Avg. loans & leases (Including HFS) up 1% Net interest income1 (2Q26 baseline: $2.22 billion) up 2 – 2.5% assumes 9/30/26 Fed funds rate of 4.00% and includes the impact of purchase accounting accretion Noninterest income1 (2Q26 baseline: $1.04 bil

  17. Slide 17: Why Fifth Third

    17 © 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

  18. Slide 18: Cautionary Statement

    18 © 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

Fifth Third Bancorp — Barclays Global Financial Services Conference 2026 on 6ix