FIFTH THIRD $FITB Q3’26 EARNINGS HIGHLIGHTS 🔹 Revenue: $3.28B (Est. $3.34B) 🔴; +42% YoY 🔹 GAAP EPS: $0.90; -1% YoY 🔹 Adj. EPS: $1.13 🔹 Net Interest Income: $2.27B; +49% YoY 🔹 Noninterest Income: $1.01B; +29% YoY Other Q3 Metrics: 🔹 Net Interest Margin: 3.34%; +21 bps YoY 🔹 Efficiency Ratio: 62.4% 🔹 Adj. Efficiency Ratio: 54.6% 🔹 Avg Portfolio Loans: $179.2B; +45% YoY 🔹 Avg Deposits: $238.3B; +45% YoY 🔹 Provision for Credit Losses: $122M; -38% YoY 🔹 Net Charge-off Ratio: 0.31%; -78 bps YoY 🔹 CET1 Ratio: 10.02% 🔹 Net Income: $866M; +33% YoY 🔹 Book Value/Share: $34.31 (Est. $36.13) 🔴 🔹 Tangible Book Value/Share: $22.01 Capital Return: 🔹 Dividend: $0.42/share Key Updates: 🔹 Adj. EPS excludes $0.23 of certain items 🔹 Merger-related charges: $225M pre-tax 🔹 Interchange litigation matters: $34M pre-tax 🔹 Technology-related asset impairments: $19M pre-tax 🔹 Other securities losses/(gains), net: $5M pre-tax 🔹 Non-qualified deferred compensation expense/(benefit): $(6)M pre-tax 🔹 YoY growth primarily reflects the addition of Comerica