Fifth Third Bancorp · NASDAQ:FITB
Fifth Third Bancorp — Barclays Global Financial Services Conference 2025
17 slides from Fifth Third Bancorp's conference presentation, Sep 9, 2025
Slide 1: Barclays Global Financial Services Conference
© Fifth Third Bancorp | All Rights Reserved Barclays Global Financial Services Conference Tim Spence Chief Executive Officer September 10, 2025
Slide 2: Cautionary Statement
2 © 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 Securitie
Slide 3: Top performing regional bank with local scale and national reach
3 © Fifth Third Bancorp | All Rights Reserved Top performing regional bank with local scale and national reach Midwest footprint Major FITB markets2 with a top 5 deposit share Key Southeast MSAs of focus Assets $210 billion Ranked 10th in the U.S.1 Deposits $164 billion Ranked 9th in the U.S.1 U.S.
Slide 4: Disciplined execution guided by core principles
4 © Fifth Third Bancorp | All Rights Reserved Disciplined execution guided by core principles Stability Profitability Growth Consistent and disciplined management, with a long-term focus throughout the company • Resilient balance sheet • Strong credit profile • Branch-originated insured deposits and
Slide 5: Driving to consistently generate top results
5 © Fifth Third Bancorp | All Rights Reserved 12.7% Peer 1 Peer 9 Peer 5 Peer 6 Peer 2 Peer 3 Peer 4 Peer 7 Peer 10 Peer 8 x Peer 11 2Q25 LTM 56.7% Peer 2 Peer 1 Peer 5 Peer 11 Peer 10 Peer 7 Peer 4 Peer 3 Peer 9 Peer 6 x Peer 8 2Q25 LTM 1.15% Peer 1 Peer 5 Peer 2 Peer 11 Peer 9 Peer 10 Peer 4 Peer
Slide 6: Delivering long-term shareholder outperformance with near-peer valuation
6 © Fifth Third Bancorp | All Rights Reserved Peer 1 Peer 11 Peer 5 Peer 8 Peer 10 * Peer 4 Peer 3 Peer 6 Peer 12 Peer 9 Peer 2 Peer 7 Peer 2 Peer 3 Peer 7 * Peer 4 Peer 5 Peer 8 Peer 6 Peer 9 Peer 12 Peer 1 Peer 10 Peer 11 Delivering long-term shareholder outperformance with near-peer valuation Tot
Slide 7: Current expectations - 3Q25 compared to 2Q25
7 © Fifth Third Bancorp | All Rights Reserved Current expectations - 3Q25 compared to 2Q25 As of September 10, 2025; please see cautionary statements on page 2 Avg. loans & leases (Including HFS) stable to up ~1% Net interest income1 (2Q25 baseline: $1.500 billion) up ~1% assumes 9/30/25 Fed funds r
Slide 8: Commercial Payments with significant scale and leading technology
8 © Fifth Third Bancorp | All Rights Reserved 22% 21% 19% 14% 12% 7% 5% Commercial banking revenue Commercial Payments with significant scale and leading technology Well established commercial payments organization with significant scale 1See forward-looking statements on page 2 of this presentation
Slide 9: Embedded financial solutions driven by Newline
9 © Fifth Third Bancorp | All Rights Reserved Embedded financial solutions driven by Newline Client Payment & Deposit Solutions Client list includes a broad range of category leaders Newline offers the risk management of a large bank combined with the quality, sophistication, and product velocity of
Slide 10: DTS Connex – Adding scale and innovation in cash management
10 © Fifth Third Bancorp | All Rights Reserved DTS Connex – Adding scale and innovation in cash management Key ProductsCompany Overview • DTS Connex is a leading platform for managing daily cash operations catering to retailers, financial institutions, and multi-store businesses • Simplifies cash ma
Slide 11: Outperforming market across our branch footprint, led by Southeast gains
11 © Fifth Third Bancorp | All Rights Reserved Outperforming market across our branch footprint, led by double digit gains in high-growth Southeast markets Midwest Footprint1 Southeast Footprint1 Deposit Share 10.9% 3.9% Locational Share 8.7% 5.4% Capped Deposit Growth (YoY) Fifth Third 2.2% 15.7% M
Slide 12: Southeast investments and execution lead to strong deposit growth and profitability
12 © Fifth Third Bancorp | All Rights Reserved Southeast investments and execution lead to strong deposit growth and profitability 1FITB branch count as of 6/30/25. Competitor data as of 06/30/25; 2Filtered for de novos and based on 2024 FDIC data. Not all de novos have been open for 5 years; 3See f
Slide 13: Middle Market growing and expanding its reach
13 © Fifth Third Bancorp | All Rights Reserved Middle Market growing and expanding its reach 281 344 2021 2Q25 Salesforce additions drive growth Middle market salesforce $18,127 $22,253 2021 2Q25 Middle market loans Birmingham, Alabama Savannah, Georgia Recent expansion markets March Quarterly Weigh
Slide 14: High-quality consumer deposit franchise
14 © Fifth Third Bancorp | All Rights Reserved 25% 25% 29% 32% 33% 34% 39% 40% 44% 47% 49% 49% 56% Peer 6 Peer 10 Peer 11 Peer 9 Peer 2 Peer 4 Peer 3 Peer 5 Peer 12 Peer 7 Peer 1 x Peer 8 Smaller proportion of low relationship value consumer deposits than most peers High-quality consumer deposit fra
Slide 15: Customer-centric, technology-led product innovation and development
15 © Fifth Third Bancorp | All Rights Reserved Customer-centric, technology-led product innovation and development Fifth Third Momentum Banking: Combining the best of fintech and traditional banksCustomer satisfaction ~1.6 million Momentum HHs ~64% of total consumer, up from ~38% in 1Q22 Free access
Slide 16: Relationship focused, main street lender with lower NDFI exposure
16 © Fifth Third Bancorp | All Rights Reserved Relationship focused , main street lender with lower NDFI exposure Comparing NDFI portfolio relative to peers NDFI loans1 / total loans Among the lowest NDFI concentration relative to peers As of 6/30/25 1 Source: Call Report; Domestic Offices; NDFI inc
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
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