EPS: As of FY2025 Q2, the actual value is USD 0.88.<h3>Commercial Banking</h3><ul><li>Net Interest Income (FTE): $595 million for Q2 2025, down from $634 million in Q2 2024; $1,147 million for the first half of 2025, down from $1,298 million in the first half of 2024.</li><li>Provision for Credit Losses: $79 million for Q2 2025, down from $137 million in Q2 2024; $159 million for the first half of 2025, down from $208 million in the first half of 2024.</li><li>Noninterest Income: $321 million for Q2 2025, compared to $320 million in Q2 2024; $622 million for the first half of 2025, compared to $642 million in the first half of 2024.</li><li>Noninterest Expense: $453 million for Q2 2025, compared to $445 million in Q2 2024; $964 million for the first half of 2025, compared to $936 million in the first half of 2024.</li></ul><h3>Consumer and Small Business Banking</h3><ul><li>Net Interest Income: $1,085 million for Q2 2025, compared to $1,081 million in Q2 2024; $2,060 million for the first half of 2025, down from $2,232 million in the first half of 2024.</li><li>Provision for Credit Losses: $84 million for Q2 2025, up from $70 million in Q2 2024; $168 million for the first half of 2025, up from $154 million in the first half of 2024.</li><li>Noninterest Income: $293 million for Q2 2025, compared to $275 million in Q2 2024; $573 million for the first half of 2025, compared to $546 million in the first half of 2024.</li><li>Noninterest Expense: $646 million for Q2 2025, compared to $638 million in Q2 2024; $1,295 million for the first half of 2025, compared to $1,289 million in the first half of 2024.</li></ul><h3>Wealth and Asset Management</h3><ul><li>Net Interest Income: $57 million for Q2 2025, compared to $54 million in Q2 2024; $106 million for the first half of 2025, down from $112 million in the first half of 2024.</li><li>Noninterest Income: $101 million for Q2 2025, compared to $98 million in Q2 2024; $211 million for the first half of 2025, compared to $200 million in the first half of 2024.</li><li>Noninterest Expense: $95 million for Q2 2025, compared to $93 million in Q2 2024; $203 million for the first half of 2025, compared to $195 million in the first half of 2024.</li></ul><h3>Future Outlook and Strategy</h3><ul><li>Core Business Focus: The Bancorp expects net interest margin to remain stable or modestly increase over the next several quarters driven by loan growth, fixed-rate asset repricing, and continued liability cost management, assuming the FOMC continues its easing cycle.</li><li>Non-Core Business: The Bancorp is evaluating the impact of recent legislative changes on its effective tax rate, deferred tax assets and liabilities, related valuation allowances, and business activities, with effects to be reflected in the financial statements for the period ending September 30, 2025.</li></ul>

Fifth Third Bancorp Depositary Shs B Ser A Repr 1/40 6 % Perp Pfd Registered Shs B Ser A | 10-Q: FY2025 Q2 EPS: USD 0.88