Item 16. FORM 10–K SUMMARY

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Item 16. FORM 10–K SUMMARY

None.

209 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/ Timothy N. Spence
Timothy N. Spence
Chairman, Chief Executive Officer and President
Principal Executive Officer
February 24, 2026

Pursuant to requirements of the Securities Exchange Act of 1934, this report has been signed on February 24, 2026 by the following persons on behalf of the Registrant and in the capacities indicated.

OFFICERS:



/s/ Timothy N. Spence
Timothy N. Spence
Chairman, Chief Executive Officer and President
Principal Executive Officer

/s/ Bryan D. Preston
Bryan D. Preston
Executive Vice President and Chief Financial Officer
Principal Financial Officer

/s/ Jeffrey A. Lopper
Jeffrey A. Lopper
Senior Vice President and Chief Accounting Officer
Principal Accounting Officer

DIRECTORS:



/s/ Timothy N. Spence
Timothy N. Spence
Chairman

/s/ Nicholas K. Akins
Nicholas K. Akins
Lead Independent Director


/s/ Priscilla Almodovar
Priscilla Almodovar

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

/s/ Jorge L. Benitez
Jorge L. Benitez

/s/ Katherine B. Blackburn
Katherine B. Blackburn

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

/s/ C. Bryan Daniels
C. Bryan Daniels

/s/ Laurent Desmangles
Laurent Desmangles

/s/ Mitchell S. Feiger
Mitchell S. Feiger

/s/ Gary R. Heminger
Gary R. Heminger

/s/ Derek J. Kerr
Derek J. Kerr

/s/ Eileen A. Mallesch
Eileen A. Mallesch

/s/ Kathleen A. Rogers
Kathleen A. Rogers

/s/ Barbara R. Smith
Barbara R. Smith

/s/ Michael G. Van de Ven
Michael G. Van de Ven

210 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
2025	$	123,399	14,915	54,974	193,288	2,508	18,040	211,483
2024	117,724		20,457	56,619	194,800	2,677	17,637	212,806
2023	122,282		11,934	57,527	191,743	2,772	16,169	208,426
2022	120,561		12,419	53,346	186,326	3,093	19,490	206,929
2021	114,117		33,243	37,018	184,378	3,055	21,050	206,324
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


AVERAGE DEPOSITS AND AVERAGE SHORT-TERM BORROWINGS FOR THE YEARS ENDED DECEMBER 31 ($ IN MILLIONS)
	Deposits
Year	Demand		Interest Checking	Savings	Money Market	Certificates of Deposit(a)	Total	Short-Term Borrowings	Total
2025	$	40,926	57,484	16,663	37,406	12,749	165,228	4,930	170,158
2024	40,314		58,757	17,594	36,165	14,606	167,436	3,231	170,667
2023	46,195		52,536	20,872	30,943	13,630	164,176	5,351	169,527
2022	60,185		46,005	23,445	29,326	4,030	162,991	4,925	167,916
2021	62,028		46,014	20,531	30,631	3,744	162,948	1,440	164,388
2020	47,111		47,146	16,440	29,879	7,455	148,031	2,094	150,125
2019	34,343		37,132	14,041	25,879	9,974	121,369	2,313	123,682
2018	32,634		30,657	13,330	21,769	6,532	104,922	3,120	108,042
2017	35,093		27,047	13,958	20,231	6,335	102,664	3,715	106,379
2016	35,862		25,973	14,346	19,523	6,745	102,449	3,351	105,800


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
2025	$	9,903	3,921	3,035	5,144	2,376	3.56	3.53	1.54
2024	10,426		4,796	2,849	5,033	2,155	3.16	3.14	1.44
2023	9,760		3,933	2,881	5,205	2,212	3.23	3.22	1.36
2022	6,587		978	2,766	4,719	2,330	3.38	3.35	1.26
2021	5,211		441	3,118	4,748	2,659	3.78	3.73	1.14
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


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 (Loss) Income	Treasury Stock	Total	Book Value Per Share	Allowance for Loan and Lease Losses
2025	661,197,787	$	2,051	1,770	3,831	25,488	(3,110)	(8,306)	21,724	30.18	2,253
2024	669,853,830	2,051		2,116	3,804	24,150	(4,636)	(7,840)	19,645	26.17	2,352
2023	681,124,810	2,051		2,116	3,757	22,997	(4,487)	(7,262)	19,172	25.04	2,322
2022	683,385,880	2,051		2,116	3,684	21,689	(5,110)	(7,103)	17,327	22.26	2,194
2021	682,777,664	2,051		2,116	3,624	20,236	1,207	(7,024)	22,210	29.43	1,892
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
(a) Includes CDs $250,000 or less and CDs over $250,000.

211 Fifth Third Bancorp

Table of Contents

DIRECTORS AND OFFICERS


FIFTH THIRD BANCORP DIRECTORS	FIFTH THIRD BANCORP OFFICERS	REGIONAL PRESIDENTS
Timothy N. Spence Chairman, Chief Executive Officer & President Fifth Third Bancorp Nicholas K. Akins, Lead Director Retired Chairman & Chief Executive Officer American Electric Power Company Priscilla Almodovar Former President & Chief Executive Officer Federal National Mortgage Association B. Evan Bayh, III Senior Advisor Apollo Global Management Jorge L. Benitez Retired Chief Executive Officer North America, Accenture plc Katherine B. Blackburn Executive Vice President Cincinnati Bengals, Inc. Linda W. Clement-Holmes Retired Chief Information Officer The Procter & Gamble Company C. Bryan Daniels Founding Partner Prairie Capital Laurent Desmangles Retired Senior Partner & Managing Director Boston Consulting Mitchell S. Feiger Retired President & Chief Executive Officer MB Financial, Inc. Gary R. Heminger Retired Chairman & Chief Executive Officer Marathon Petroleum Corporation Derek J. Kerr Retired Vice Chair & Chief Financial Officer American Airlines Group, Inc. Eileen A. Mallesch Retired Chief Financial Officer Nationwide Property & Casualty Segment, Nationwide Mutual Insurance Company Kathleen A. Rogers Retired Executive Vice President U.S. Bancorp Barbara R. Smith Retired Executive Chairman, Former President & Chief Executive Officer Commercial Metals Company Michael G. Van de Ven Executive Advisor, Former President & Chief Operating Officer Southwest Airlines Co.	Timothy N. Spence Chairman, Chief Executive Officer & President Bridgit C. Chayt Executive Vice President & Head of Commercial Payments Kala J. Gibson Executive Vice President & Chief Corporate Responsibility Officer Christian Gonzalez Executive Vice President & Chief Legal Officer Kevin J. Khanna Executive Vice President & Head of Commercial Bank Darren J. King Executive Vice President & Head of Regional Banking Kevin P. Lavender Vice Chairman of Commercial Bank James C. Leonard Executive Vice President & Chief Operating Officer Jeffrey A. Lopper Senior Vice President & Chief Accounting Officer Nancy C. Pinckney Executive Vice President & Chief Human Resource Officer Bryan D. Preston Executive Vice President & Chief Financial Officer Jude A. Schramm Executive Vice President & Chief Information Officer Peter L. Sefzik Executive Vice President & Head of Wealth & Asset Management Robert P. Shaffer Executive Vice President & Chief Risk Officer Melissa S. Stevens Executive Vice President & Chief Marketing Officer	Michael Ash David Briggs Scott Daigle Steve Davis Brian Enzler Dan Feldmann Lee Fite Stephanie Green Kimberly Halbauer Mark Heckler Francie Henry Cynthia Jordan Randy Koporc Matt Nipper Tom Partridge Scott Silvas Geraud Smith FIFTH THIRD BANCORP BOARD COMMITTEES Audit Committee Eileen A. Mallesch, Chair B. Evan Bayh, III Linda W. Clement-Holmes C. Bryan Daniels Gary R. Heminger Derek J. Kerr Kathleen A. Rogers Barbara R. Smith Executive Committee Timothy N. Spence, Chair Nicholas K. Akins Jorge L. Benitez Linda W. Clement-Holmes Mitchell S. Feiger Gary R. Heminger Eileen A. Mallesch Human Capital and Compensation Committee Gary R. Heminger, Chair Nicholas K. Akins Jorge L. Benitez Linda W. Clement-Holmes Barbara R. Smith Nominating and Corporate Governance Committee Jorge L. Benitez, Chair Nicholas K. Akins Priscilla Almodovar Katherine B. Blackburn Laurent Desmangles Michael G. Van de Ven Risk and Compliance Committee Mitchell S. Feiger, Chair Priscilla Almodovar Katherine B. Blackburn C. Bryan Daniels Laurent Desmangles Eileen A. Mallesch Kathleen A. Rogers Michael G. Van de Ven Technology Committee Linda Clement-Holmes, Chair B. Evan Bayh, III Jorge L. Benitez C. Bryan Daniels Laurent Desmangles Mitchell S. Feiger Derek J. Kerr

212 Fifth Third Bancorp

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