Item 16. FORM 10–K SUMMARY

None.

241 Fifth Third Bancorp

SIGNATURES

Pursuant to the requirements of Section 13 or 15(d) of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized.

FIFTH THIRD BANCORP

Registrant



/s/ Greg D. Carmichael
Greg D. Carmichael
Chairman and CEO
Principal Executive Officer
February 26, 2021

Pursuant to requirements of the Securities Exchange Act of 1934, this report has been signed on February 26, 2021 by the following persons on behalf of the Registrant and in the capacities indicated.

OFFICERS:



/s/ Greg D. Carmichael
Greg D. Carmichael
Chairman and CEO
Principal Executive Officer

/s/ James C. Leonard
James C. Leonard
Executive Vice President and CFO
Principal Financial Officer

/s/ Mark D. Hazel
Mark D. Hazel
Senior Vice President and Controller
Principal Accounting Officer

DIRECTORS:



/s/ Greg D. Carmichael
Greg D. Carmichael
Chairman

/s/ Marsha C. Williams
Marsha C. Williams
Lead Independent Director



/s/ Nicholas K. Akins
Nicholas K. Akins

/s/ B. Evan Bayh III
B. Evan Bayh III

/s/ Jorge L. Benitez
Jorge L. Benitez

/s/ Katherine B. Blackburn
Katherine B. Blackburn

/s/ Emerson L. Brumback
Emerson L. Brumback

/s/ C. Bryan Daniels
C. Bryan Daniels

/s/ Mitchell S. Feiger
Mitchell S. Feiger

/s/ Thomas H. Harvey
Thomas H. Harvey

/s/ Gary R. Heminger
Gary R. Heminger

/s/ Linda W. Clement-Holmes
Linda W. Clement-Holmes

/s/ Jewell D. Hoover
Jewell D. Hoover

/s/ Eileen A. Mallesch
Eileen A. Mallesch

/s/ Michael B. McCallister
Michael B. McCallister

242 Fifth Third Bancorp

Table of Contents

CONSOLIDATED TEN YEAR COMPARISON


AVERAGE ASSETS FOR THE YEARS ENDED DECEMBER 31 ($ IN MILLIONS)
	Interest-Earning Assets
Year	Loans and Leases		Other Short-Term Investments	Investment Securities	Total	Cash and Due from Banks	Other Assets	Total Average Assets
2020	$	114,411	21,935	36,342	172,688	2,978	20,933	194,230
2019	107,794		2,140	35,470	145,404	2,748	16,903	163,936
2018	93,876		1,476	33,553	128,905	2,200	12,203	142,183
2017	92,731		1,390	32,172	126,293	2,224	13,236	140,527
2016	94,320		1,866	30,099	126,285	2,303	14,870	142,173
2015	93,339		3,258	26,987	123,584	2,608	15,100	139,999
2014	91,127		3,043	21,823	115,993	2,892	14,443	131,847
2013	89,093		2,417	16,444	107,954	2,482	15,025	123,704
2012	84,822		1,495	15,319	101,636	2,355	15,643	117,562
2011	80,214		2,031	15,437	97,682	2,352	15,259	112,590


AVERAGE DEPOSITS AND SHORT-TERM BORROWINGS FOR THE YEARS ENDED DECEMBER 31 ($ IN MILLIONS)
	Deposits
Year	Demand		Interest Checking	Savings	Money Market	Other Time	Certificates $100,000 and Over	Foreign Office and Other	Total	Short-Term Borrowings(a)	Total
2020	$	47,111	46,890	16,440	29,879	4,118	3,337	256	148,031	2,094	150,125
2019	34,343		36,658	14,041	25,879	5,470	4,504	474	121,369	2,313	123,682
2018	32,634		29,818	13,330	21,769	4,106	2,426	839	104,922	3,120	108,042
2017	35,093		26,382	13,958	20,231	3,771	2,564	665	102,664	3,715	106,379
2016	35,862		25,143	14,346	19,523	4,010	2,735	830	102,449	3,351	105,800
2015	35,164		26,160	14,951	18,152	4,051	2,869	874	102,221	2,641	104,862
2014	31,755		25,382	16,080	14,670	3,762	3,929	1,828	97,406	2,331	99,737
2013	29,925		23,582	18,440	9,467	3,760	6,339	1,518	93,031	3,527	96,558
2012	27,196		23,096	21,393	4,903	4,306	3,102	1,555	85,551	4,806	90,357
2011	23,389		18,707	21,652	5,154	6,260	3,656	3,497	82,315	3,122	85,437


INCOME FOR THE YEARS ENDED DECEMBER 31 ($ IN MILLIONS, EXCEPT PER SHARE DATA)
							Per Share
Year	Interest Income		Interest Expense	Noninterest Income	Noninterest Expense	Net Income Available to Common Shareholders	Earnings	Diluted Earnings	Dividends Declared
2020	$	5,572	790	2,830	4,718	1,323	1.84	1.83	1.08
2019	6,254		1,457	3,536	4,660	2,419	3.38	3.33	0.94
2018	5,183		1,043	2,790	3,958	2,118	3.11	3.06	0.74
2017	4,489		691	3,224	3,782	2,105	2.86	2.81	0.60
2016	4,193		578	2,696	3,737	1,472	1.92	1.91	0.53
2015	4,028		495	3,003	3,643	1,610	2.00	1.97	0.52
2014	4,030		451	2,473	3,619	1,384	1.65	1.63	0.51
2013	3,973		412	3,227	3,978	1,799	2.05	2.02	0.47
2012	4,107		512	2,999	4,083	1,541	1.69	1.66	0.36
2011	4,218		661	2,455	3,804	1,094	1.20	1.18	0.28


MISCELLANEOUS AT DECEMBER 31 ($ IN MILLIONS, EXCEPT PER SHARE DATA)
		Equity
Year	Common Shares Outstanding	Common Stock		Preferred Stock	Capital Surplus	Retained Earnings	Accumulated Other Comprehensive Income (Loss)	Treasury Stock	Total	Book Value Per Share	Allowance for Loan and Lease Losses
2020	712,760,325	$	2,051	2,116	3,635	18,384	2,601	(5,676)	23,111	29.46	2,453
2019	708,915,629	2,051		1,770	3,599	18,315	1,192	(5,724)	21,203	27.41	1,202
2018	646,630,857	2,051		1,331	2,873	16,578	(112)	(6,471)	16,250	23.07	1,103
2017	693,804,893	2,051		1,331	2,790	14,957	73	(5,002)	16,200	21.43	1,196
2016	750,479,299	2,051		1,331	2,756	13,290	59	(3,433)	16,054	19.62	1,253
2015	785,080,314	2,051		1,331	2,666	12,224	197	(2,764)	15,705	18.31	1,272
2014	824,046,952	2,051		1,331	2,646	11,034	429	(1,972)	15,519	17.22	1,322
2013	855,305,745	2,051		1,034	2,561	10,156	82	(1,295)	14,589	15.85	1,582
2012	882,152,057	2,051		398	2,758	8,768	375	(634)	13,716	15.10	1,854
2011	919,804,436	2,051		398	2,792	7,554	470	(64)	13,201	13.92	2,255

*(a)*Includes federal funds purchased and other short-term investments.

243 Fifth Third Bancorp

Ta b l e o f C o n t e n t s

DIRECTORS AND OFFICERS


FIFTH THIRD BANCORP DIRECTORS		FIFTH THIRD BANCORP OFFICERS		REGIONAL PRESIDENTS
Greg D. Carmichael		Greg D. Carmichael		Michael Ash David Briggs David A. Call Joseph DiRocco Timothy Elsbrock Lee Fite David Girodat Kimberly Halbauer Francie Henry Mark Hoppe Randy Koporc Cary Putrino Thomas G. Welch, Jr.
Chairman & Chief Executive Officer		Chairman &
Fifth Third Bancorp		Chief Executive Officer

Marsha C. Williams, Lead Director		Lars C. Anderson
Retired Chief Financial Officer		Executive Vice President & Vice Chairman of Commercial Banking Strategic Growth Initiatives
Orbitz Worldwide, Inc.

Nicholas K. Akins Chairman, President & Chief Executive Officer American Electric Power Company
	Kristine Garrett Executive Vice President & Head of Wealth & Asset Management

B. Evan Bayh III Senior Advisor Apollo Global Management
	Howard Hammond Executive Vice President & Head of Consumer Bank		FIFTH THIRD BANCORP BOARD COMMITTEES Audit Committee Eileen A. Mallesch, Chair Katherine B. Blackburn Thomas H. Harvey Jewell D. Hoover Michael B. McCallister Finance Committee Gary R. Heminger, Chair Nicholas K. Akins Jorge L. Benitez Emerson L. Brumback Michael B. McCallister Marsha C. Williams Human Capital and Compensation Committee Michael B. McCallister, Chair Emerson L. Brumback Gary R. Heminger Eileen A. Mallesch Marsha C. Williams Nominating and Corporate Governance Committee Nicholas K. Akins, Chair B. Evan Bayh III Jorge L. Benitez Katherine B. Blackburn Thomas H. Harvey Marsha C. Williams Risk and Compliance Committee Emerson L. Brumback, Chair C. Bryan Daniels Gary R. Heminger Jewell D. Hoover Eileen A. Mallesch Technology Committee Jorge L. Benitez, Chair Nicholas K. Akins B. Evan Bayh III Linda W. Clement-Holmes C. Bryan Daniels Thomas H. Harvey

Jorge L. Benitez Retired Chief Executive Officer North America of Accenture plc
	Mark D. Hazel Senior Vice President & Controller


Katherine B. Blackburn Executive Vice President Cincinnati Bengals, Inc.
	Margaret P. Jula Executive Vice President & Chief Human Resource Officer

Emerson L. Brumback Retired President & Chief Operating Officer M&T Bank
	Kevin P. Lavender Executive Vice President & Head of Commercial Banking

C. Bryan Daniels Founding Partner Prairie Capital
	James C. Leonard Executive Vice President & Chief Financial Officer

Mitchell S. Feiger Retired CEO and President MB Financial, Inc.
	Jude A. Schramm Executive Vice President & Chief Information Officer

Thomas H. Harvey Chief Executive Officer Energy Innovation: Policy and Technology, LLC
	Robert P. Shaffer Executive Vice President & Chief Risk Officer

Gary R. Heminger Chief Executive Officer & Chairman Marathon Petroleum Corporation
	Timothy N. Spence President

Linda W. Clement-Holmes Retired Chief Information Officer The Procter & Gamble Company		Richard L. Stein Executive Vice President & Chief Credit Officer

Jewell D. Hoover Retired Senior Official Comptroller of the Currency		Melissa S. Stevens Executive Vice President & Head of Digital, Marketing, Design and Innovation



Eileen A. Mallesch Retired Chief Financial Officer Nationwide Property & Casualty Segment, Nationwide Mutual Insurance Company

	Susan B. Zaunbrecher Executive Vice President & Chief Legal Officer

Michael B. McCallister Retired Chairman & Chief Executive Officer Humana, Inc.

244 Fifth Third Bancorp

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