Material Event (Form 8-K)

			Key Financial Data
			$ in millions for all balance sheet and income statement items
						4Q25						3Q25						4Q24
			Income Statement Data
			Net income available to common shareholders			$699						$608						$582
			Net interest income (U.S. GAAP)			1,529						1,520						1,437
			Net interest income (FTE)(a)			1,533						1,525						1,443
			Noninterest income			811						781						732
			Noninterest expense			1,309						1,267						1,226
			Per Share Data
			Earnings per share, basic			$1.05						$0.91						$0.86
			Earnings per share, diluted			1.04						0.91						0.85
			Book value per share			30.18						29.26						26.17
			Tangible book value per share(a)			22.60						21.66						18.69
			Balance Sheet & Credit Quality
			Average portfolio loans and leases			$123,430						$123,326						$117,860
			Average deposits			168,384						164,754						167,237
			Accumulated other comprehensive loss			(3,110)						(3,276)						(4,636)
			Net charge-off ratio(b)			0.40			%			1.09			%			0.46			%
			Nonperforming asset ratio(c)			0.65						0.65						0.71
			Financial Ratios
			Return on average assets			1.36			%			1.21			%			1.17			%
			Return on average common equity			14.0						12.6						13.0
			Return on average tangible common equity(a)			19.0						17.3						18.4
			CET1 capital(d)(e)			10.77						10.57						10.57
			Net interest margin(a)			3.13						3.13						2.97
			Efficiency(a)			55.8						54.9						56.4
			Other than the Quarterly Financial Review tables, commentary is on a fully taxable-equivalent (FTE) basis unless otherwise noted. Consistent with SEC guidance in Regulation S-K that contemplates the calculation of tax-exempt income on a taxable-equivalent basis, net interest income, net interest margin, net interest rate spread, total revenue and the efficiency ratio are provided on an FTE basis.

			Income Statement Highlights
			($ in millions, except per share data)			For the Three Months Ended																											% Change
						December									September									December
						2025									2025									2024									Seq						Yr/Yr
			Condensed Statements of Income
			Net interest income (NII)(a)			$1,533									$1,525									$1,443									1%						6%
			Provision for credit losses			119									197									179									(40)%						(34)%
			Noninterest income			811									781									732									4%						11%
			Noninterest expense			1,309									1,267									1,226									3%						7%
			Income before income taxes(a)			$916									$842									$770									9%						19%
			Taxable equivalent adjustment			$4									$5									$6									(20)%						(33)%
			Applicable income tax expense			181									188									144									(4)%						26%
			Net income			$731									$649									$620									13%						18%
			Dividends on preferred stock			32									41									38									(22)%						(16)%
			Net income available to common shareholders			$699									$608									$582									15%						20%
			Earnings per share, diluted			$1.04									$0.91									$0.85									14%						22%

Fifth Third Bancorp (NASDAQ®: FITB) today reported fourth quarter 2025 net income available to common shareholders of $699 million, or $1.04 per diluted share, compared to $608 million, or $0.91 per diluted share, in the prior quarter and $582 million, or $0.85 per diluted share, in the year-ago quarter.

1

						Diluted earnings per share impact of certain item(s) - 4Q25
						(after-tax impact; $ in millions, except per share data)
						Fifth Third Foundation contribution(f)			$(38)
						Merger-related expenses(f)1			(13)
						Interchange litigation matters(f)2			(8)
						Benefit related to the resolution of certain tax matters			7
						Litigation settlements (noninterest income)(f)			9
						FDIC special assessment (noninterest expense)(f)			19
						After-tax impact of certain item(s)			$(24)
						Diluted earnings per share impact of certain item(s)3			$(0.04)
						Totals may not foot due to rounding; 1A portion of the adjustments related to merger-related expenses are not tax-deductible; 2Interchange litigation matters decreased noninterest income by $8 million and increased noninterest expense by $3 million; 3Diluted earnings per share impact reflects 669.153 million average diluted shares outstanding

Full year 2025 net income available to common shareholders was $2.4 billion, or $3.53 per diluted share, compared to full year 2024 net income available to common shareholders of $2.2 billion, or $3.14 per diluted share.

2

			Net Interest Income
			(FTE; $ in millions)(a)			For the Three Months Ended																											% Change
						December									September									December
						2025									2025									2024									Seq						Yr/Yr
			Interest Income
			Interest income			$2,472									$2,524									$2,534									(2)%						(2)%
			Interest expense			939									999									1,091									(6)%						(14)%
			Net interest income (NII)			$1,533									$1,525									$1,443									1%						6%
			Average Yield/Rate Analysis																														bps Change
			Yield on interest-earning assets			5.05		%							5.18		%							5.21		%							(13)						(16)
			Rate paid on interest-bearing liabilities			2.60		%							2.77		%							3.00		%							(17)						(40)
			Ratios
			Net interest rate spread			2.45		%							2.41		%							2.21		%							4						24
			Net interest margin (NIM)			3.13		%							3.13		%							2.97		%							-						16

Fully taxable-equivalent (FTE) NII of $1.533 billion increased $8 million, or 1%, compared to the prior quarter. This improvement primarily reflects deposit and wholesale funding management actions decreasing the cost of interest-bearing liabilities, partially offset by lower loan yields due to the impact of market rates on floating rate loans. These same factors, coupled with higher average other short-term investments (including interest-bearing cash), contributed to the flat NIM in the quarter.

Compared to the year-ago quarter, NII increased $90 million, or 6%, and NIM increased 16 bps. This improvement was due to the benefits from proactive deposit and wholesale funding management decreasing interest-bearing liabilities costs by 40 bps and the benefit of fixed-rate asset repricing, which combined more than offset the 16 bps decrease in interest-earning asset yields.

3

			Noninterest Income
			($ in millions)			For the Three Months Ended									% Change
						December			September			December
						2025			2025			2024			Seq			Yr/Yr
			Noninterest Income
			Wealth and asset management revenue			$185			$181			$163			2%			13%
			Commercial payments revenue			167			157			155			6%			8%
			Consumer banking revenue			143			144			137			(1)%			4%
			Capital markets fees			121			115			123			5%			(2)%
			Commercial banking revenue			102			87			109			17%			(6)%
			Mortgage banking net revenue			56			58			57			(3)%			(2)%
			Other noninterest income (loss)			42			29			(4)			45%			NM
			Securities (losses) gains, net			(5)			10			(8)			NM			(38)%
			Total noninterest income			$811			$781			$732			4%			11%

Noninterest income of $811 million increased $30 million, or 4%, from the prior quarter and increased $79 million, or 11%, from the year-ago quarter. The reported results reflect the impact of certain items in the table below, including securities gains/losses which incorporate mark-to-market impacts from securities associated with non-qualified deferred compensation plans that are offset in noninterest expense.

			Noninterest Income excluding certain items
			($ in millions)			For the Three Months Ended																											% Change
						December									September									December
						2025									2025									2024									Seq						Yr/Yr
			Noninterest Income excluding certain items
			Noninterest income (U.S. GAAP)			$811									$781									$732
			Interchange litigation matters			8									18									51
			Litigation settlements			(12)									-									-
			Securities (gains) losses, net			5									(10)									8
			Noninterest income excluding certain items(a)			$812									$789									$791									3%						3%

Noninterest income excluding certain items of $812 million increased $23 million, or 3%, compared to the prior quarter and increased $21 million, or 3%, from the year-ago quarter.

Wealth and asset management revenue increased $4 million, or 2% sequentially, due to an increase in personal asset management revenue. Commercial payments revenue increased $10 million, or 6%, driven by commercial card and Newline revenue. Capital markets fees were up $6 million, or 5%, reflecting seasonal strength in M&A advisory revenue and loan syndications. Commercial banking revenue increased $15 million, or 17%, driven by higher lease syndication and remarketing.

Compared to the year-ago quarter, wealth and asset management revenue increased $22 million, or 13%, with 16% year-over-year AUM growth driving increases in personal asset management revenue and brokerage fees. Commercial payments revenue increased $12 million, or 8%, led by managed services, Newline revenue, and commercial card fees, partially offset by higher earnings credits. Capital markets fees decreased $2 million, or 2%, driven by lower loan syndications revenue, partially offset by higher M&A advisory revenue. Commercial banking revenue decreased $7 million, or 6%, primarily reflecting lower operating lease and other commercial banking revenue.

4

			Noninterest Expense
			($ in millions)			For the Three Months Ended									% Change
						December			September			December
						2025			2025			2024			Seq			Yr/Yr
			Noninterest Expense
			Compensation and benefits			$683			$685			$665			-			3%
			Technology and communications			138			128			123			8%			12%
			Net occupancy expense			89			89			88			-			1%
			Equipment expense			43			44			39			(2)%			10%
			Loan and lease expense			41			39			36			5%			14%
			Marketing expense			37			34			23			9%			61%
			Card and processing expense			27			22			21			23%			29%
			Other noninterest expense			251			226			231			11%			9%
			Total noninterest expense			$1,309			$1,267			$1,226			3%			7%

Noninterest expense of $1.309 billion increased 3% from the prior quarter and increased 7% from the year-ago quarter. The reported results reflect the impact of certain items in the table below.

			Noninterest Expense excluding certain item(s)
			($ in millions)			For the Three Months Ended																											% Change
						December									September									December
						2025									2025									2024									Seq						Yr/Yr
			Noninterest Expense excluding certain item(s)
			Noninterest expense (U.S. GAAP)			$1,309									$1,267									$1,226
			Fifth Third Foundation contribution			(50)									-									(15)
			Merger-related expenses			(13)									-									-
			FDIC special assessment			25									6									11
			Interchange litigation matters			(3)									(9)									(4)
			Noninterest expense excluding certain item(s)(a)			$1,268									$1,264									$1,218									-						4%
			Non-qualified deferred compensation (expense)/benefit			5									(11)									7
			Noninterest expense excluding certain item(s) and non-qualified deferred compensation(a)			$1,273									$1,253									$1,225									2%						4%

Noninterest expense excluding certain items and non-qualified deferred compensation of $1.273 billion increased 2% compared to the prior quarter with increases in technology and communications and card and processing expense.

Compared to the year-ago quarter, noninterest expense excluding certain items and non-qualified deferred compensation increased $48 million, or 4%, due primarily to increases in compensation and benefits, technology and communications, and marketing expense.

Expenses related to the mark-to-market impact of non-qualified deferred compensation were largely offset in net securities gains/losses through noninterest income in the current and prior periods.

5

			Average Interest-Earning Assets
			($ in millions)			For the Three Months Ended																											% Change
						December									September									December
						2025									2025									2024									Seq						Yr/Yr
			Average Portfolio Loans and Leases
			Commercial loans and leases:
			Commercial and industrial loans			$53,947									$54,170									$51,567									-						5%
			Commercial mortgage loans			12,079									12,027									11,792									-						2%
			Commercial construction loans			5,399									5,541									5,702									(3)%						(5)%
			Commercial leases			3,172									3,177									2,902									-						9%
			Total commercial loans and leases			$74,597									$74,915									$71,963									-						4%
			Consumer loans:
			Residential mortgage loans			$17,660									$17,656									$17,322									-						2%
			Home equity			4,769									4,579									4,125									4%						16%
			Indirect secured consumer loans			17,879									17,729									16,100									1%						11%
			Credit card			1,694									1,678									1,668									1%						2%
			Solar energy installation loans			4,486									4,355									4,137									3%						8%
			Other consumer loans			2,345									2,414									2,545									(3)%						(8)%
			Total consumer loans			$48,833									$48,411									$45,897									1%						6%
			Total average portfolio loans and leases			$123,430									$123,326									$117,860									-						5%
			Average Loans and Leases Held for Sale
			Commercial loans and leases held for sale			$19									$44									$48									(57)%						(60)%
			Consumer loans held for sale			698									623									584									12%						20%
			Total average loans and leases held for sale			$717									$667									$632									7%						13%
			Total average loans and leases			$124,147									$123,993									$118,492									-						5%
			Securities (taxable and tax-exempt)			$52,512									$54,592									$56,702									(4)%						(7)%
			Other short-term investments			17,485									14,915									18,319									17%						(5)%
			Total average interest-earning assets			$194,144									$193,500									$193,513									-						-

Total average portfolio loans and leases of $123 billion and average commercial portfolio loans and leases of $75 billion remained stable compared to the prior quarter. Average consumer portfolio loans of $49 billion increased 1%, driven by continued growth in home equity and indirect secured consumer loans.

Compared to the year-ago quarter, total average portfolio loans and leases increased 5%. Average commercial portfolio loans and leases increased 4%, reflecting increases in C&I loans, commercial mortgage loans, and commercial leases. Average consumer portfolio loans increased 6%, primarily due to increases in indirect secured consumer, home equity, and solar energy installation loans.

Average securities (taxable and tax-exempt; amortized cost) of $53 billion in the current quarter decreased 4% compared to the prior quarter and 7% compared to the year-ago quarter. Average other short-term investments (including interest-bearing cash) of $17 billion in the current quarter increased 17% compared to the prior quarter and decreased 5% compared to the year-ago quarter.

6

			End of Period Interest-Earning Assets
			($ in millions)			As of																											% Change
						December									September									December
						2025									2025									2024									Seq						Yr/Yr
			End of Period Portfolio Loans and Leases
			Total commercial loans and leases			$73,562									$74,423									$73,293									(1)%						-
			Total consumer loans			49,089									48,707									46,498									1%						6%
			Total portfolio loans and leases			$122,651									$123,130									$119,791									-						2%
			End of Period Loans and Leases Held for Sale
			Total loans and leases held for sale			$733									$576									$640									27%						15%
			Total loans and leases			$123,384									$123,706									$120,431									-						2%
			Securities (taxable and tax-exempt)			$51,961									$52,680									$56,713									(1)%						(8)%
			Other short-term investments			18,876									17,215									17,120									10%						10%
			Total interest-earning assets			$194,221									$193,601									$194,264									-						-

Period-end commercial portfolio loans and leases of $74 billion decreased 1% compared to the prior quarter as the highest quarterly commercial loan production in over three years was more than offset by the decrease in line utilization. Compared to the year-ago quarter, period-end commercial portfolio loans and leases remained stable.

Period-end consumer portfolio loans of $49 billion increased 1% compared to the prior quarter, primarily reflecting increases in home equity and indirect secured consumer loans. Compared to the year-ago quarter, period-end consumer portfolio loans increased 6% driven by increases in indirect secured consumer and home equity loans.

Total period-end securities (taxable and tax-exempt; amortized cost) of $52 billion in the current quarter decreased 1% compared to the prior quarter and decreased 8% compared to the year-ago quarter. Period-end other short-term investments of approximately $19 billion increased 10% compared to the prior and year-ago quarters.

Average Deposits
			($ in millions)			For the Three Months Ended																											% Change
						December									September									December
						2025									2025									2024									Seq						Yr/Yr
			Average Deposits
			Demand			$41,771									$41,235									$40,137									1%						4%
			Interest checking			58,612									56,624									59,441									4%						(1)%
			Savings			16,103									16,376									17,257									(2)%						(7)%
			Money market			39,409									37,434									37,279									5%						6%
			Total transaction deposits			$155,895									$151,669									$154,114									3%						1%
			CDs $250,000 or less			10,541									10,841									10,592									(3)%						-
			Total core deposits			$166,436									$162,510									$164,706									2%						1%
			CDs over $250,0001			1,948									2,244									2,531									(13)%						(23)%
			Total average deposits			$168,384									$164,754									$167,237									2%						1%
			1CDs over $250,000 includes $0.8BN, $1.0BN, and $1.5BN of retail brokered certificates of deposit which are fully covered by FDIC insurance for the three months ended 12/31/25, 9/30/25, and 12/31/24, respectively.

Total average deposits of $168 billion increased 2% compared to the prior quarter, primarily driven by growth in interest checking, money market and demand deposits, partially offset by declines in CDs $250,000 or less. The growth in demand deposits reflects our strategic focus on enhancing the deposit mix and represents the third consecutive quarter of demand deposit growth. Period-end total deposits of $172 billion increased 3%.

Compared to the year-ago quarter, total average deposits increased 1%, mainly due to increases in money market and demand deposits, partially offset by decreases in savings and interest checking deposits. Period-end total deposits increased 3%.

7

The period-end portfolio loan-to-core deposit ratio was 72% in the current quarter, compared to 75% in the prior quarter and 73% in the year-ago quarter.

Average Wholesale Funding
			($ in millions)			For the Three Months Ended																											% Change
						December									September									December
						2025									2025									2024									Seq						Yr/Yr
			Average Wholesale Funding
			CDs over $250,0001			$1,948									$2,244									$2,531									(13)%						(23)%
			Federal funds purchased			204									198									223									3%						(9)%
			Securities sold under repurchase agreements			365									376									313									(3)%						17%
			FHLB advances			2,552									4,920									1,567									(48)%						63%
			Derivative collateral and other secured borrowings			84									82									76									2%						11%
			Long-term debt			13,700									14,001									15,492									(2)%						(12)%
			Total average wholesale funding			$18,853									$21,821									$20,202									(14)%						(7)%
			1CDs over $250,000 includes $0.8BN, $1.0BN, and $1.5BN of retail brokered certificates of deposit which are fully covered by FDIC insurance for the three months ended 12/31/25, 9/30/25, and 12/31/24, respectively.

Average wholesale funding of $19 billion decreased 14% compared to the prior quarter, driven by a reduction in FHLB advances and long-term debt. The 7% decrease in average wholesale funding compared to the year-ago quarter was primarily attributable to a decrease in long-term debt and CDs over $250,000, inclusive of brokered deposits, partially offset by an increase in FHLB advances.

8

Credit Quality Summary
($ in millions)			As of and For the Three Months Ended
			December									September									June									March									December
			2025									2025									2025									2025									2024
Total nonaccrual portfolio loans and leases (NPLs)			$767									$768									$853									$966									$823
Repossessed property			11									12									8									9									9
OREO			19									21									25									21									21
Total nonperforming portfolio loans and leases and OREO (NPAs)			$797									$801									$886									$996									$853
NPL ratio(g)			0.62		%							0.62		%							0.70		%							0.79		%							0.69		%
NPA ratio(c)			0.65		%							0.65		%							0.72		%							0.81		%							0.71		%
Portfolio loans and leases 30-89 days past due (accrual)			$360									$348									$277									$385									$303
Portfolio loans and leases 90 days past due (accrual)			30									29									34									33									32
30-89 days past due as a % of portfolio loans and leases			0.29		%							0.28		%							0.23		%							0.31		%							0.25		%
90 days past due as a % of portfolio loans and leases			0.02		%							0.02		%							0.03		%							0.03		%							0.03		%
Allowance for loan and lease losses (ALLL), beginning			$2,265									$2,412									$2,384									$2,352									$2,305
Total net losses charged-off			(125)									(339)									(139)									(136)									(136)
Provision for loan and lease losses			113									192									167									168									183
ALLL, ending			$2,253									$2,265									$2,412									$2,384									$2,352
Reserve for unfunded commitments, beginning			$151									$146									$140									$134									$138
Provision for (benefit from) the reserve for unfunded commitments			6									5									6									6									(4)
Reserve for unfunded commitments, ending			$157									$151									$146									$140									$134
Total allowance for credit losses (ACL)			$2,410									$2,416									$2,558									$2,524									$2,486
ACL ratios:
As a % of portfolio loans and leases			1.96		%							1.96		%							2.09		%							2.07		%							2.08		%
As a % of nonperforming portfolio loans and leases			314		%							314		%							300		%							261		%							302		%
As a % of nonperforming portfolio assets			302		%							302		%							289		%							253		%							291		%
ALLL as a % of portfolio loans and leases			1.84		%							1.84		%							1.97		%							1.95		%							1.96		%
Total losses charged-off			$(177)									$(382)									$(194)									$(173)									$(175)
Total recoveries of losses previously charged-off			52									43									55									37									39
Total net losses charged-off			$(125)									$(339)									$(139)									$(136)									$(136)
Net charge-off ratio (NCO ratio)(b)			0.40		%							1.09		%							0.45		%							0.46		%							0.46		%
Commercial NCO ratio			0.27		%							1.46		%							0.38		%							0.35		%							0.32		%
Consumer NCO ratio			0.59		%							0.52		%							0.56		%							0.63		%							0.68		%

The provision for credit losses totaled $119 million in the current quarter. The ACL ratio represented 1.96% of total portfolio loans and leases at quarter end, consistent with the prior quarter and down 12 bps from the year-ago quarter. The ACL coverage ratio was unchanged from the prior quarter at 314% of nonperforming portfolio loans and leases and 302% of nonperforming portfolio assets.

Net charge-offs totaled $125 million in the current quarter, down $214 million from the prior quarter and the NCO ratio decreased 69 bps to 0.40%. The third quarter of 2025 net charge-offs included a $178 million fraud-related impairment of a commercial credit. Excluding this credit, net charge-offs were down $36 million, or 12 bps, sequentially. Commercial net charge-offs were $51 million, with a commercial NCO ratio of 0.27%, down 119 bps from the prior quarter. Consumer net

9

charge-offs were $74 million, with a consumer NCO ratio of 0.59%, up 7 bps sequentially, reflecting the seasonal increase in indirect secured net charge-offs.

Compared to the year-ago quarter, net charge-offs decreased $11 million and the NCO ratio decreased 6 bps. The commercial NCO ratio decreased 5 bps, and the consumer NCO ratio decreased 9 bps compared to the prior year.

Nonperforming portfolio loans and leases totaled $767 million in the current quarter, representing an NPL ratio of 0.62%, compared to 0.62% in the prior quarter and 0.69% in the year-ago quarter. Nonperforming portfolio assets totaled $797 million in the current quarter, resulting in an NPA ratio of 0.65%, compared to 0.65% in the prior quarter and 0.71% in the year-ago quarter.

			Capital Position
												As of and For the Three Months Ended
												December			September			June			March			December
												2025			2025			2025			2025			2024
			Capital Position
			Average total Bancorp shareholders' equity as a % of average assets									10.11		%	10.02		%	9.82		%	9.50		%	9.40		%
			Tangible equity(a)									9.28		%	9.12		%	9.39		%	9.07		%	9.02		%
			Tangible common equity (excluding AOCI)(a)									8.46		%	8.29		%	8.38		%	8.07		%	8.03		%
			Tangible common equity (including AOCI)(a)									7.14		%	6.89		%	6.84		%	6.40		%	6.02		%
			Regulatory Capital Ratios(d)(e)
			CET1 capital									10.77		%	10.57		%	10.58		%	10.43		%	10.57		%
			Tier 1 risk-based capital									11.82		%	11.63		%	11.85		%	11.71		%	11.86		%
			Total risk-based capital									13.73		%	13.54		%	13.77		%	13.63		%	13.86		%
			Leverage									9.42		%	9.24		%	9.42		%	9.23		%	9.22		%

CET1 capital ratio of 10.77% increased 20 bps sequentially, primarily reflecting strong earnings that bolstered retained capital. There was no share repurchase activity in the fourth quarter of 2025 due to the pending Comerica acquisition.

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Tax Rate

The effective tax rate for the quarter was 19.8% compared with 22.6% in the prior quarter and 18.8% in the year-ago quarter.

Corporate Profile

Fifth Third Bank, National Association is a federally chartered institution. Fifth Third Bancorp is the indirect parent company of Fifth Third Bank and its common stock is traded on the NASDAQ® Global Select Market under the symbol "FITB." Investor information and press releases can be viewed at www.53.com.

Earnings Release End Notes

(a)Non-GAAP measure; see discussion of non-GAAP reconciliation.

(b)Net losses charged-off as a percent of average portfolio loans and leases presented on an annualized basis.

(c)Nonperforming portfolio assets as a percent of portfolio loans and leases and OREO.

(d)Regulatory capital ratios as of December 31, 2024 were calculated pursuant to the five-year transition provision option to phase in the effects of CECL on regulatory capital.

(e)Current period regulatory capital ratios are estimated.

(f)Assumes a 24% tax rate.

(g)Nonperforming portfolio loans and leases as a percent of portfolio loans and leases.

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