Revenue: As of FY2025, the actual value is USD 9.017 B.EPS: As of FY2025, the actual value is USD 3.53.EBIT: As of FY2025, the actual value is USD -2.771 B.<h4>Overall Financial Performance</h4><ul><li>Net Income Available to Common Shareholders: Net income available to common shareholders was $2.4 billion for 2025, an increase from $2.2 billion for 2024.</li><li>Total Revenue (FTE): Total revenue (FTE) increased to $9.037 billion for 2025, up from $8.503 billion for 2024.</li><li>Net Interest Income (FTE): Net interest income (FTE) was $6.0 billion for 2025, representing an increase of $348 million from the prior year.</li><li>Net Interest Margin (FTE): The net interest margin (FTE) improved to 3.11% for 2025, compared to 2.90% for 2024.</li><li>Provision for Credit Losses: The provision for credit losses was $662 million for 2025, an increase from $530 million in 2024.</li><li>Noninterest Income: Noninterest income rose to $3.035 billion for 2025, an increase of $186 million from 2024.</li><li>Noninterest Expense: Noninterest expense was $5.144 billion for 2025, an increase of $111 million from 2024.</li><li>Net Losses Charged Off as a Percent of Average Portfolio Loans and Leases: This metric increased to 0.60% for 2025, up from 0.45% for 2024.</li><li>Nonperforming Portfolio Assets as a Percent of Portfolio Loans and Leases and OREO: This percentage decreased to 0.65% at December 31, 2025, from 0.71% at December 31, 2024.</li><li>Allowance for Loan and Lease Losses (ALLL) as a Percent of Portfolio Loans and Leases: The ALLL as a percent of portfolio loans and leases decreased to 1.84% at December 31, 2025, from 1.96% at December 31, 2024.</li><li>Reserve for Unfunded Commitments: The reserve for unfunded commitments increased by $23 million to $157 million at December 31, 2025.</li><li>Total ACL as a Percent of Portfolio Loans and Leases: This decreased to 1.96% at December 31, 2025, from 2.08% at December 31, 2024.</li><li>Efficiency Ratio (FTE): The efficiency ratio (FTE) improved to 56.9% for 2025, from 59.2% for 2024.</li></ul><h4>Capital Ratios (as of December 31, 2025)</h4><ul><li>CET1 Risk-Based Capital Ratio: The CET1 risk-based capital ratio was 10.81%.</li><li>Tier 1 Risk-Based Capital Ratio: The Tier 1 risk-based capital ratio stood at 11.87%.</li><li>Total Risk-Based Capital Ratio: The total risk-based capital ratio was 13.78%.</li><li>Leverage Ratio: The leverage ratio was 9.41%.</li><li>Stress Capital Buffer: The stress capital buffer remained at 3.2% for both 2025 and 2024.</li></ul><h4>Commercial Banking Segment Metrics</h4><ul><li>Income before Income Taxes (FTE): Income before income taxes (FTE) for the Commercial Banking segment decreased to $1,342 million for 2025, from $1,761 million for 2024.</li><li>Net Interest Income (FTE): Net interest income (FTE) for the segment was $2,323 million for 2025, compared to $2,544 million for 2024.</li><li>Provision for Credit Losses: The provision for credit losses increased to $451 million for 2025, from $304 million for 2024.</li><li>Commercial Payments Revenue: Commercial payments revenue rose to $553 million for 2025, up from $519 million for 2024.</li><li>Capital Markets Fees: Capital markets fees were $412 million for 2025, compared to $420 million for 2024.</li><li>Commercial Banking Revenue: Commercial banking revenue was $344 million for 2025, down from $373 million for 2024.</li><li>Average Commercial Loans and Leases: Average commercial loans and leases (including held for sale) increased to $68,148 million for 2025, from $66,596 million for 2024.</li><li>Average Demand Deposits: Average demand deposits for this segment decreased to $16,474 million for 2025, from $16,863 million for 2024.</li></ul><h4>Consumer and Small Business Banking Segment Metrics</h4><ul><li>Income before Income Taxes (FTE): Income before income taxes (FTE) for this segment was $2,445 million for 2025, a decrease from $2,537 million for 2024.</li><li>Net Interest Income (FTE): Net interest income (FTE) for the segment was $3,605 million for 2025, compared to $3,889 million for 2024.</li><li>Provision for Credit Losses: The provision for credit losses increased to $235 million for 2025, from $226 million for 2024.</li><li>Consumer Banking Revenue: Consumer banking revenue increased to $571 million for 2025, from $555 million for 2024.</li><li>Mortgage Banking Net Revenue: Mortgage banking net revenue rose to $227 million for 2025, up from $211 million for 2024.</li><li>Residential Mortgage Loan Originations: Residential mortgage loan originations increased to $7.5 billion for 2025 from $6.5 billion for 2024.</li><li>Total Residential Mortgage Loans Serviced: Total residential mortgage loans serviced were $104.8 billion at December 31, 2025, compared to $110.9 billion at December 31, 2024.</li><li>Residential Mortgage Loans Serviced for Others: Residential mortgage loans serviced for others were $87.8 billion at December 31, 2025, compared to $94.2 billion at December 31, 2024.</li><li>Average Consumer Loans and Leases: Average consumer loans and leases (including held for sale) increased to $48,456 million for 2025, from $45,501 million for 2024.</li><li>Average Demand Deposits: Average demand deposits for this segment increased to $20,385 million for 2025, from $19,933 million for 2024.</li></ul><h4>Wealth and Asset Management Segment Metrics</h4><ul><li>Income before Income Taxes (FTE): Income before income taxes (FTE) for this segment increased to $252 million for 2025, from $227 million for 2024.</li><li>Net Interest Income (FTE): Net interest income (FTE) for the segment rose to $103 million for 2025, up from $89 million for 2024.</li><li>Provision for Credit Losses: The provision for credit losses was - $24 million for 2025, compared to - $1 million for 2024.</li><li>Wealth and Asset Management Revenue: Wealth and asset management revenue increased to $704 million for 2025, from $647 million for 2024, primarily due to increases in personal asset management revenue and brokerage income.</li><li>Total Assets Under Care: Total assets under care were approximately $690 billion at December 31, 2025, compared to $634 billion at December 31, 2024.</li><li>Managed Assets: Managed assets increased to $80 billion at December 31, 2025, from $69 billion at December 31, 2024.</li></ul><h4>Outlook / Guidance</h4>Following the acquisition of Comerica Incorporated, Fifth Third Bancorp and the Bank anticipate becoming Category III institutions by the end of 2026, with no material financial impacts expected from this transition. The Bancorp and the Bank also expect to meet or exceed all risk-based capital and leverage ratio requirements under capital adequacy rules post-acquisition.

Fifth Third Bancorp Pref Shares FITBM 6.875 Perp 10/01/30 | 10-K: FY2025 Revenue: USD 9.017 B