FIFTH THIRD BANCORP 8-K Report, Regulation FD Disclosure (Apr 15, 2025)

Fifth Third Bancorp (FITB) filed this 8-K under Item 7.01 (Regulation FD) to furnish the slide presentation delivered at its April 15, 2025 Annual Meeting of Shareholders (Exhibit 99.1).

The filing is not a financial results release and contains no new earnings, guidance, or transaction disclosure. Its substance is a management retrospective: the company cites full-year 2024 return on average assets of 1.09%^a, return on average common equity of 12.47%, an efficiency ratio of 59.2%, a loan-to-core deposit ratio of 73%, a CET1 ratio of 10.57%, and a 28 basis point year-over-year increase in net interest margin (4Q24 vs. 4Q23 is noted as +12 bps). These figures are presented as non-GAAP where applicable and are reconciled in the 4Q24 earnings release, not in this filing.

The presentation also emphasizes shareholder returns, showing dividends declared per common share rising from $0.94 in 2019 to $1.44^b in 2024 (a 5-year CAGR of about 9%), and a five-year total shareholder return of 68% for FITB, which ranks second among a defined peer group. Management highlights growth initiatives, including a 25% increase in middle market relationship managers in high-growth areas versus 2023, 31 new Southeast branches, and 6% household growth in the Southeast. Community development metrics (over $42 billion toward a $100 billion sustainability target through 2030, and $28.5 million in charitable donations) and a #1 retail banking customer satisfaction ranking in Florida are also featured.

For investors, the key takeaway is that this document is primarily promotional and retrospective. The only forward-looking item is the first quarter 2025 earnings call scheduled for April 17, 2025, which is the next source of new financial information. The annual meeting agenda covered director elections, auditor ratification, and a non-binding say-on-pay vote, with voting results to be announced at the meeting but not included in this filing.