FIFTH THIRD BANCORP

For the period ended Dec 31, 2025. Filed Feb 24, 2026.

About this filing

A company's yearly report to the SEC, with audited financial statements. It is the fullest account a company gives of its business, its finances and the risks it sees.

FY2025 · Filed Feb 24, 2026

FITB$53.04-0.8%Stored close · as of Nov 6, 2026

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Contents

Parent Company Financial Statements

Parent Company Financial Statements

Condensed Statements of Income (Parent Company Only)
For the years ended December 31 ($ in millions)	2025	2024	2023
Income
Dividends from consolidated nonbank subsidiaries(a)	$2,185	1,800	1,819
Securities gains, net	2	3	4
Interest	116	85	63
Total income	2,303	1,888	1,886
Expenses
Interest	517	553	525
Other	36	27	39
Total expenses	553	580	564
Income Before Income Taxes and Equity in Undistributed Earnings of Subsidiaries	1,750	1,308	1,322
Applicable income tax benefit	(98)	(115)	(112)
Income Before Equity in Undistributed Earnings of Subsidiaries	1,848	1,423	1,434
Equity in undistributed earnings	674	891	915
Net Income	$2,522	2,314	2,349
Other Comprehensive Income	—	—	—
Comprehensive Income	$2,522	2,314	2,349

(a)Includes dividends paid by the Bancorp’s indirect banking and nonbanking subsidiaries to the Bancorp’s direct nonbank subsidiary holding company of $2.2 billion for the year ended December 31, 2025 and $1.8 billion for both the years ended December 31, 2024 and 2023.

Condensed Balance Sheets (Parent Company Only)
As of December 31 ($ in millions)	2025	2024
Assets
Cash	$974	969
Other short-term investments	2,213	3,106
Available-for-sale debt and other securities	2,500	2,500
Equity securities	26	29
Loans to nonbank subsidiaries	—	5
Investment in nonbank subsidiaries	25,253	22,891
Goodwill	80	80
Other assets	125	156
Total Assets	$31,171	29,736
Liabilities
Short-term borrowings	$3	3
Accrued expenses and other liabilities	558	567
Long-term debt (external)	8,886	9,521
Total Liabilities	$9,447	10,091
Equity
Common stock	$2,051	2,051
Preferred stock	1,770	2,116
Capital surplus	3,831	3,804
Retained earnings	25,488	24,150
Accumulated other comprehensive loss	(3,110)	(4,636)
Treasury stock	(8,306)	(7,840)
Total Equity	21,724	19,645
Total Liabilities and Equity	$31,171	29,736

195 Fifth Third Bancorp

Condensed Statements of Cash Flows (Parent Company Only)
For the years ended December 31 ($ in millions)	2025	2024	2023
Operating Activities
Net income	$2,522	2,314	2,349
Adjustments to reconcile net income to net cash provided by operating activities:
Amortization and accretion	7	7	7
Provision for deferred income taxes	1	2	1
Securities gains, net	(2)	(3)	(4)
Equity in undistributed earnings	(674)	(891)	(915)
Net change in:
Equity securities	5	8	4
Other assets	128	(49)	147
Accrued expenses and other liabilities	(19)	(60)	(126)
Net Cash Provided by Operating Activities	1,968	1,328	1,463
Investing Activities
Proceeds from maturities of securities issued by subsidiary	2,500	1,000	1,000
Purchase of securities issued by subsidiary	(2,500)	(2,500)	(1,000)
Net change in:
Other short-term investments	893	3,394	(833)
Loans to nonbank subsidiaries	5	(5)	60
Other	(2)	—	—
Net Cash Provided by (Used in) Investing Activities	896	1,889	(773)
Financing Activities
Net change in short-term borrowings	—	3	(121)
Proceeds from issuance of long-term debt	—	1,742	1,244
Repayment of long-term debt	(750)	(2,250)	(500)
Dividends paid on common and preferred stock	(1,163)	(1,176)	(1,060)
Repurchase of treasury stock and related forward contract	(525)	(625)	(200)
Redemption of preferred stock, Series L	(350)	—	—
Other, net	(71)	(62)	(53)
Net Cash Used in Financing Activities	(2,859)	(2,368)	(690)
Increase in Cash	5	849	—
Cash at Beginning of Period	969	120	120
Cash at End of Period	$974	969	120

196 Fifth Third Bancorp

ContentsView on SEC.gov

The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.