FIFTH THIRD BANCORP (FITB)

Fifth Third Bancorp, an Ohio corporation organized in 1975 and headquartered in Cincinnati, Ohio, is a bank holding company and financial holding company that indirectly owns Fifth Third Bank, National Association. As of December 31, 2025, the company had $214 billion in total assets and operated 1,130 full-service Banking Centers along with 2,199 Fifth Third branded ATMs across twelve states, including Ohio, Kentucky, Indiana, Michigan, Illinois, Florida, Tennessee, West Virginia, Georgia, North Carolina, South Carolina, and Alabama. The company operates through three primary business segments: Commercial Banking, Consumer and Small Banking, and Wealth and Asset Management.

Its trust and registered investment advisory businesses held approximately $690 billion in total assets under care and managed $80 billion in assets for individuals, corporations, and not-for-profit organizations. Fifth Third's common stock trades on the NASDAQ Global Select Market under the ticker symbol FITB. The company provides a broad range of financial products and services—including checking, savings, and money market accounts, wealth management, payments and commerce solutions, securities products, insurance services, and various credit products such as commercial loans, mortgage loans, credit cards, and installment loans—to commercial, financial, retail, governmental, educational, energy, and healthcare sectors, delivered through banking centers, telephone, internet, and mobile channels.

The Bank's deposits are insured by the FDIC through the Deposit Insurance Fund. The company faces competition from other banking institutions as well as securities dealers, brokers, mortgage bankers, investment advisors, specialty finance firms, private credit providers, fintech companies, and insurers, in an environment shaped by regulatory changes, technological advances, and industry consolidation. As of December 31, 2025, Fifth Third employed 18,676 full-time equivalent employees (up from 18,616 in 2024), with a full-year turnover rate of 16.4%, and maintains extensive employee engagement, learning and development, and total rewards programs.

The company is subject to extensive regulation and supervision by multiple federal and state agencies, including the Federal Reserve, OCC, FDIC, CFPB, and SEC, covering areas such as capital adequacy, holding company activities, transactions with affiliates, Community Reinvestment Act compliance (rated Outstanding), privacy and data security, anti-money laundering and sanctions compliance, derivatives regulation, broker-dealer and investment adviser oversight, and consumer protection. As a Category IV banking organization under the Tailoring Rules, Fifth Third is subject to enhanced prudential standards, and following its pending acquisition of Comerica Incorporated, it expects to transition to Category III status by the end of 2026, which would impose additional stringent requirements; the company does not anticipate material financial impacts from this transition and expects to continue meeting or exceeding regulatory capital and leverage requirements.