Fifth Third Bancorp · NASDAQ:FITB
Fifth Third Bancorp — BancAnalysts Association of Boston Conference 2015
14 slides from Fifth Third Bancorp's conference presentation, Nov 6, 2015
Slide 1: BancAnalysts Association of Boston Conference
BancAnalysts Association of Boston Conference Tayfun Tuzun Executive Vice President & Chief Financial Officer November 6, 2015 Refer to earnings release dated October 20, 2015 for further information Exhibit 99.1
Slide 2: Digital: fundamentally changing banking
Digital: fundamentally changing banking Changing consumer preferences Digital channels are integral to how people shop for, apply for, and use financial services; >80% of Fifth Third customers have used multiple channels in the last six months Digital channel experiences are generally higher rated t
Slide 3: An integrated customer experience is a competitive advantage
An integrated customer experience is a competitive advantage Across All Touch Points Risk Management Operations & Technology Talent Marketing & Analytics Physical Branch & ATM Virtual Video & Text Digital Online & Mobile
Slide 4: How Fifth Third uses digital to drive business
Drive Growth Activating digital channels New sales channel with highest growth rate Data and analytics environment Delivers targeted marketing via individual offers Improve online success rates Enhancing process to promote completion Enhance the Customer Experience Digital as a mechanism to improve
Slide 5: Drive Operational Efficiency
Drive Operational Efficiency Redesigned branch through process and technology enhancements 24/7 access lobby equipped with Smart ATMs No traditional teller line Optimized staffing model Optimizing branch network by consolidating and selling select locations Migrating branch and call center transacti
Slide 6: Enhance the customer experience
Enhance the customer experience 2 Digital “storefront” represents brand Updated look & feel Full compatibility on all mobile devices Make everyday transactions fast and simple Redesigning web and mobile interfaces… … To improve customer experience Ranked 3rd overall in a 2015 national banking study
Slide 7: Leveraging digital to drive growth
Leveraging digital to drive growth 3 Activating digital sales channel Investments in online account opening Building out digital sales and marketing capabilities Improve physical sales force productivity through use of digital/data Universal Banker – expanded sales capacity by integrating sales and
Slide 8: Leveraging digital across entire company
Leveraging digital across entire company Digitize branch operations Reengineer the end-to-end real estate lending platform Commercial RM tools Life 360 in Private Bank
Slide 9: Well-positioned to drive outperformance
Well-positioned to drive outperformance 1 2 3 See digital as opportunity to drive financial performance while changing the way we interact with customers Physical infrastructure provides perfect compliment to newer digital platform Track record for action
Slide 10: Energy and Commodities
Energy and Commodities Energy $1.6B in energy loans at 9/30/15 (less than 2% of total loan portfolio) Decreased $45MM from 2Q15 Down 20% since 4Q14 In reserve-based lending relationships, primarily senior secured lender with significant levels of subordinated risk ahead of our position Portfolio man
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
Slide 12: Investment Portfolio
Investment Portfolio Balanced approach to the current rate environment Ending Balance: $29.3B Duration: 5.1 years Securities Yield: 3.23% Ending Balance: $28.5B Duration: 4.9 years Securities Yield: 3.20% Ending Balance: $19.1B Duration: 4.5 years Securities Yield: 3.32% Investment portfolio well-po
Slide 13: Interest Rate Risk Management
Interest Rate Risk Management Actual results may vary from these simulated results due to differences between forecasted and actual balance sheet composition, timing, magnitude, and frequency of interest rate changes, as well as other changes in market conditions and management strategies. Re-pricin
Slide 14: Credit quality
Credit quality 1 Source: Company Data Continued strong credit quality performance Criticized loans as a percentage of total loans flat sequentially and down 91 bps from 3Q14 NPAs down 3% sequentially and 24% from 3Q14 Allowance for loan losses remains strong at 1.35% of total portfolio loans and lea
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