Fifth Third Bancorp (FITB) Q3 2025 Earnings Call

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WEBVTT 00:00:00.031 -- 00:00:00.912 Relations. 00:00:00.912 -- 00:00:03.193 You may begin. 00:00:03.416 -- 00:00:08.402 Good morning, everyone. Welcome to Fifth Third's Third Quarter 2025 Earnings Call. 00:00:08.402 -- 00:00:13.549 This morning, our Chairman, CEO, and President, Tim Spence, and CFO, Brian Preston, 00:00:13.549 -- 00:00:16.934 will provide an overview of our third quarter results and outlook. 00:00:16.934 -- 00:00:21.340 Our Chief Credit Officer, Greg Schreck, has also joined for the Q&A portion of the call. 00:00:21.340 -- 00:00:25.265 Please review the cautionary statements in our materials, which can be found in our earnings 00:00:25.265 -- 00:00:30.573 release and presentation. These materials contain information regarding the use of non-GAAP 00:00:30.573 -- 00:00:34.859 measures and reconciliations to the GAAP results, as well as forward-looking statements 00:00:34.859 -- 00:00:40.286 about Fifth Third's performance. These statements speak only as of October 17, 2025, 00:00:40.286 -- 00:00:43.350 and Fifth Third undertakes no obligation to update them. 00:00:43.350 -- 00:00:47.436 Following prepared remarks by Tim and Brian, we will open up the call for questions. 00:00:47.436 -- 00:00:50.500 With that, let me turn it over to Tim. 00:00:50.500 -- 00:00:53.660 Good morning, everyone, and thank you for joining us today. 00:00:53.660 -- 00:00:57.825 At Fifth Third, we believe that great banks distinguish themselves not by how they perform 00:00:57.825 -- 00:01:02.250 in benign environments, but rather by how they navigate uncertain ones. 00:01:02.250 -- 00:01:07.136 Our operating priorities are stability, profitability, and growth in that order. 00:01:07.136 -- 00:01:10.901 We seek to achieve them by assessing over the detail in our day-to-day opera...