Fifth Third Bancorp Q4 EPS $1.04, Net Charge-offs 40 bps, Loan-to-Core Deposit Ratio 72%

• Fifth Third Bancorp reports Q4 2025 diluted EPS of $1.04 • Net charge-offs of 40 bps, commercial net charge-offs of 27 bps • Loan-to-core deposit ratio of 72%, 4% demand deposit growth YoY • CET1 increases 20 bps to 10.77% • Adjusted ROA of 1.41%, adjusted ROTCE ex. AOCI of 16.2% • Adjusted efficiency ratio improves 50 bps YoY to 54.3%