Fifth Third Bancorp Reaffirms 3Q26 Guidance at Barclays Conference

Executive Summary

On September 14, 2026, Fifth Third Bancorp (NASDAQ: FITB) filed a Form 8-K under Item 7.01 (Regulation FD Disclosure) to furnish materials for its upcoming presentation at the 2026 Barclays Global Financial Services Conference on September 15, 2026 (Exhibit 99.1).

Key Highlights from the Presentation

1. 3Q26 Guidance Reaffirmed (Unchanged from July 17, 2026):

   • Average Loans & Leases: Expected up ~1%.
   • Net Interest Income (NII): Projected up 2.0% to 2.5% vs. 2Q26 baseline of $2.22B (assumes 9/30/26 Fed funds rate of 4.00%).
   • Noninterest Income: Projected up 1.0% to 3.0% vs. 2Q26 baseline of $1.04B (excluding securities gains/losses).
   • Noninterest Expense: Down 1.0% to 2.0% vs. 2Q26 baseline of $1.86B.
   • Net Charge-Off (NCO) Ratio: 30–35 bps.
   • Effective Tax Rate: ~22.5%.

2. Comerica Integration & Synergy Tracking:

   • Completed account conversions across 293 converted branches and ~600k accounts.
   • On track to achieve $850 million in pre-tax run-rate expense synergies by Q4 2026.
   • Targeting $500M+ in revenue synergies over the next 3–5 years.

3. Long-Term Financial Targets:

   • Target 19%+ ROTCE in 2027.
   • Target 53% efficiency ratio in 2027.