Fifth Third Bancorp · NASDAQ:FITB
Fifth Third Bancorp — BancAnalysts Association of Boston Conference 2025
21 slides from Fifth Third Bancorp's conference presentation, Nov 6, 2025
Slide 1: BancAnalysts Association of Boston Conference
ibdroot\projects\IBD-NY\burger2025\973442_1\Presentations\05. Investor Presentation\PPT\Express_2.0_v2 - From FITB_v01.pptx © Fifth Third Bancorp | All Rights Reserved BancAnalysts Association of Boston Conference Jamie Leonard | Chief Operating Officer Bryan Preston | Chief Financial Officer Novemb
Slide 2: Top performing regional bank with local scale and national reach
2 © 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 $213 billion Ranked 10th in the U.S.1 Deposits $167 billion Ranked 9th in the U.S.1 U.S.
Slide 3: A simple, diversified business portfolio
3 © Fifth Third Bancorp | All Rights Reserved NII contribution1 34% 63% 3% 46% 40% 14%Fee contribution1 A simple, diversified business portfolio • Texas • Commercial Banking Loans $51B Deposits $92B Loans $5B Deposits $10B Loans $68B Deposits $61B Consumer & Small Business Banking Wealth & Asset Man
Slide 4: Driving to consistently generate top results
4 © Fifth Third Bancorp | All Rights Reserved 12.7% Peer 1 Peer 9 Peer 2 Peer 6 Peer 5 Peer 3 Peer 4 Peer 7 x Peer 8 Peer 10 Peer 11 3Q25 LTM 56.1% Peer 2 Peer 1 Peer 5 Peer 11 Peer 3 Peer 7 Peer 4 Peer 10 Peer 9 Peer 6 X Peer 8 3Q25 LTM 1.18% Peer 1 Peer 2 Peer 5 Peer 11 Peer 9 Peer 10 Peer 4 Peer
Slide 5: Delivering long-term shareholder outperformance
5 © Fifth Third Bancorp | All Rights Reserved Peer 2 Peer 3 x Peer 7 Peer 1 Peer 9 Peer 5 Peer 12 Peer 6 Peer 10 Peer 8 Peer 4 Peer 11 1 Peer 3 193% FITB 111% Peer 8 325% 2 Peer 8 183% Peer 8 93% FITB 238% 3 Peer 1 167% Peer 7 90% Peer 1 230% 4 FITB 159% Peer 1 88% Peer 7 215% 5 Peer 6 155% Peer 3 7
Slide 6: Disciplined execution guided by core principles
ibdroot\projects\IBD-NY\burger2025\973442_1\Presentations\05. Investor Presentation\PPT\Project Express Investor Presentation_v24.pptx 6 © Fifth Third Bancorp | All Rights Reserved Disciplined execution guided by core principles Stability Profitability Growth ✓ Resilient balance sheet ✓ Strong credi
Slide 7: Fifth Third and Comerica: Advancing growth and profitability
ibdroot\projects\IBD-NY\burger2025\973442_1\Presentations\05. Investor Presentation\PPT\Project Express Investor Presentation_v24.pptx 7 © Fifth Third Bancorp | All Rights Reserved Fifth Third and Comerica: Advancing growth and profitability Now: A compelling strategic transaction Within 2 years: An
Slide 8: Combination leverages franchise strengths for value creation
ibdroot\projects\IBD-NY\burger2025\973442_1\Presentations\05. Investor Presentation\PPT\Project Express Investor Presentation_v24.pptx 8 © Fifth Third Bancorp | All Rights Reserved Combination leverages franchise strengths for value creation Now: A compelling strategic transaction Accelerates our st
Slide 9: Taking our profitability from strong to stronger
9 © Fifth Third Bancorp | All Rights Reserved 55% 53% Peer 5 Peer 3 Peer 2 Peer 1 Peer 10 Peer 4 Peer 7 Peer 9 Peer 8 Peer 6 x PF 57% Peer 1 Peer 5 Peer 11 Peer 10 Peer 7 Peer 4 Peer 3 Peer 9 Peer 6 x Peer 8 Peer 2 Peer 1 Peer 3 Peer 9 Peer 5 Peer 4 Peer 10 Peer 7 x Peer 6 PF Peer 8 1.15% Peer 1 Pee
Slide 10: Further fortifying our Midwest franchise
10 © Fifth Third Bancorp | All Rights Reserved Further fortifying our Midwest franchise Branch overlap⁴ 1-mile 31% 3-mile 85% Michigan Competitors FITB/CMA Fifth Third and Comerica customers will have access to approximately 45% and 60% more branches in Michigan, respectively Increasing Comerica bra
Slide 11: Middle market banking powerhouse positioned to grow
11 © Fifth Third Bancorp | All Rights Reserved Middle market banking powerhouse positioned to grow Middle Market Salesforce Middle Market Loans ($B) Middle Market Deposits ($B) • Deep, relationship driven Middle Market platform serving diverse industries across the country • Recognized by Greenwich
Slide 12: Two $1B+ high-growth recurring revenue engines
12 © Fifth Third Bancorp | All Rights Reserved Comprehensive Wealth Platform • Full service private bank • RIA platform • Institutional • $750B in Assets Under Care • Full suite of balance sheet products • $10B in loans • $14B in deposits $100B in AUM Wealth and Asset Management Two $1B+ high-growth
Slide 13: Scaled to win in the best markets in the U.S.
13 © Fifth Third Bancorp | All Rights Reserved Scaled to win in the best markets in the U.S. Fifth Third will operate in 17 of the 20 fastest growing large U.S. metro areas² California • Texas • Opportunity to achieve rapid density with 101 existing Comerica branches plus 150 new de novos • By 2030,
Slide 14: Southeast investments continue to outperform
14 © Fifth Third Bancorp | All Rights Reserved Southeast investments continue to outperform Deposit share rank in MSAs where Fifth Third operates1 As of June 30, 2025 deposits capped at $250MM 8th 11th 5th 13th 13th 4th 2nd 1st 5th 2nd 3rd Outsized growth across our footprint relative to competitors
Slide 15: De novo expansion leading to strong deposit growth and profitability
15 © Fifth Third Bancorp | All Rights Reserved De novo expansion leading to strong deposit growth and profitability The southeast’s share of total retail deposits continues to grow as the de novo network matures Percentage of total retail deposits Continued investment in southeast through 2028 South
Slide 16: Seasoning of current branch network creates deposit growth potential
16 © Fifth Third Bancorp | All Rights Reserved Seasoning of current branch network creates deposit growth potential 5.4% 2.0% 1.5% 1.3% 0.9% 0.5% 0.5% 0.4% 0.4% 0.3% 0.2% 0.1% 0.0% Peer 7 Peer 8 Peer 4 Peer 11 Peer 9 Peer 10 Peer 5 Peer 12 Peer 2 Peer 3 Peer 1 Peer 6 Share of total branches <5y 2.0%
Slide 17: Relationship focused main street lender with lower NDFI exposure
17 © Fifth Third Bancorp | All Rights Reserved Relationship focused main street lender with lower NDFI exposure 32% 24% 17% 13% 9% 5% 3Q25 $10.2B 8% of Loans Non-depository financial institution portfolio $ in billions; as of 9/30/2025 • 4th lowest exposure to NDFIs among peers1 • Zero losses in las
Slide 18: Why Fifth Third
18 © Fifth Third Bancorp | All Rights Reserved Why Fifth Third Positioned to generate long-term sustainable value to shareholders ✓ Well-diversified and resilient balance sheet to provide stability and profitability ✓ Consistent investments to generate balanced and growing revenue streams while main
Slide 19: This presentation contains statements that we believe are “forward-looking statements” within the meaning of
19 © 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 19
Slide 20: Forward-Looking Statements
20 © Fifth Third Bancorp | All Rights Reserved FORWARD-LOOKING STATEMENTS This presentation contains statements that constitute “forward-looking statements” within the meaning of, and subject to the protections of, Section 27A of the Securities Act, as amended, and Section 21E of the Securities Exch
Slide 21: Disclaimer (continued)
21 © Fifth Third Bancorp | All Rights Reserved Disclaimer (continued) ADDITIONAL INFORMATION ABOUT THE TRANSACTION AND WHERE TO FIND IT Fifth Third filed a registration statement on Form S-4 (File No. 333-291296) with the SEC to register the shares of Fifth Third common stock that will be issued to
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