📅 ℹ️ What This Document Is

This document is a slide deck presentation provided for Fifth Third Bancorp’s Annual Meeting of Shareholders, scheduled for April 21, 2026. It serves as a summary of the bank's performance in 2025, its commitments to community investment, and key information for shareholders attending the meeting.

👉 While the presentation highlights impressive growth and community dedication, the core purpose for shareholders is to review and vote on the company's governance matters, including the election of directors and the ratification of auditors.

🏢 🏦 What The Company Does

Fifth Third Bancorp operates as a major regional bank, providing a wide range of financial services to its customers. The bank's scale is significant, operating a massive footprint across the Southeast and Midwest.

The bank’s physical scale is impressive:

• Assets: As of December 31, 2025, the company reported assets of $294 billion. This ranks the bank 9th in the U.S.
• Deposits: Total deposits reached $237 billion, also ranking the company 9th in the U.S.
• Branches: The bank operates 1,482 U.S. branches, ranking it 7th in the U.S.

👉 This immense size and broad reach demonstrate that Fifth Third is a major financial pillar serving a large geographic area across the Southeast, Midwest, and Southwest.

📊 📈 2025 Financial Performance Highlights

This section summarizes the bank’s financial health, using metrics from the full year 2025. These ratios show how efficiently the bank is managing its money and assets.

• Stability: The Stability ratio was 1.19% in 2025, showing strong health compared to the previous year. (A higher stability ratio indicates better resilience to financial shocks.)
• Return on Average Assets (RoA): The RoA stood at 12.6% in 2025. (This high return shows that the bank is generating strong profits relative to its total assets.)
• Efficiency Ratio: The Efficiency ratio was 56.9%. (This measures how much it costs the bank to generate every dollar of revenue; a lower number is typically better.)
• Loan-to-Core Deposit Ratio: This ratio was 10.81%. (This metric measures the amount of lending activity relative to the bank's most stable funding source, indicating lending confidence.)
• Net Interest Margin (NIM): The NIM increased by +24 bps compared to 2024. Furthermore, the bank saw a +40% increase in NIM compared to the fourth quarter of 2024 (4Q24), beating the previous year's rate (4Q24).

👉 The consistent improvement in key ratios—like the rising NIM and strong RoA—signals that the bank is successfully increasing its profitability and managing interest rates effectively.

🏆 ✨ Delivering Shareholder Outperformance

The company emphasizes its commitment to delivering long-term shareholder value, providing historical data on key returns.

• Dividends: Fifth Third has maintained a strong track record of giving back to shareholders. The dividend declared per common share showed a growth of +7%, establishing a strong Compound Annual Growth Rate (CAGR) over the last five years among its peers.
• Total Shareholder Return: In 2025, the bank’s Total Shareholder Return was 136%. This was competitive when compared to regional banks that did not participate in an FDIC-assisted transaction (Peer 5, which reported 130%).

👉 This consistent dividend growth and strong total return track record are key signals to investors that management is focused on maximizing long-term value and rewarding shareholders.

🌳 💖 Community Investment and Sustainability

Fifth Third has outlined a major commitment to strengthening its communities, detailing ambitious goals and current achievements.

The bank has set a sustainability and stewardship target of $100 billion by 2030.

• Progress: To date, the company has delivered more than $58 billion towards meeting this ambitious goal.
• Community Funding: In 2025 alone, the bank made over $1.4 billion in Community Reinvestment Act (CRA)-qualified loans and investments.
• Housing Support: This $1.4 billion supported 3,650 affordable housing units, and the bank also invested or lent $45 million to Community Development Financial Institutions (CDFIs).
• Program Success: The Neighborhoods Program successfully completed its efforts in nine neighborhoods, delivering a total of $409 million in lending and investments.

👉 These figures prove that the bank views its role as more than just finance; it is a deep community partner that allocates significant resources to affordable housing and development.

🌐 🗺️ Corporate Footprint and Operations

The bank operates across three main regional hubs, each contributing to its large national presence.

• Southwest Footprint: This region is highly established, contributing a significant portion of the bank's overall assets.
• Midwest Footprint: This represents a core operational area for the bank's banking services.
• Southeast Footprint: This is another key area of operation, contributing to the bank's wide coverage in the U.S.

👉 The geographic diversity ensures that Fifth Third is not reliant on any single market, providing operational stability and broad customer reach.

📜 🏛️ Governance and Meeting Agenda

The presentation outlines the essential matters that shareholders will vote on during the Annual Meeting. These items are crucial for the bank's legal and operational continuity.

The agenda lists three main areas for action:

1. Nomination and Election of Directors: Shareholders vote on who will represent them on the board of directors.
2. Ratification of the Selection of Auditors: Shareholders approve the accounting firm that will review the bank's financial books.
3. Approval of Company’s Compensation of its Named Executive Officers: Shareholders approve the pay structure and compensation for the bank's top executive leaders.

👉 These votes are standard procedure for large corporations and are necessary to formally sanction the people and processes that guide the bank's future.

📞 🔗 Getting More Information

If shareholders have questions after the formal meeting, or if they were unable to submit a question through the virtual meeting, there are specific channels provided for follow-up.

• Contact Method: Questions should be sent via email.
• Recipient: Investor Relations.
• Email Address: ir.53.com

🧠 The Analogy

Fifth Third Bancorp is like the plumbing system of a major city. It's not just about the pipes themselves (the money) but about the vast infrastructure—the branches, the local investments, and the network of community projects—that ensure water (capital) gets delivered reliably and efficiently to every neighborhood, supporting everything from luxury high-rises to affordable housing projects.

🧩 Final Takeaway

Fifth Third is demonstrating robust financial health with strong, improving efficiency ratios and successful dividend growth. The bank is strategically positioning itself not only as a financial powerhouse but also as a deep, long-term community steward with clear sustainability goals.