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Sep 30, 2022

Fifth Third Q3 2022 Earnings Report

Reported strong third quarter results driven by interest-earning assets growth and net interest margin improvement.

Key Takeaways

Fifth Third Bancorp reported third quarter 2022 net income of $653 million, or $0.91 per diluted share. The results reflect record adjusted revenue driven by interest-earning assets growth combined with a 30 basis point improvement in net interest margin.

Generated consumer household growth of 3% compared to 3Q21

Increased quarterly cash dividend on common shares 3 cents, or 10%

ROTCE of 21.9%; adjusted ROTCE of 17.7% excl. AOCI

Efficiency ratio of 53.7%, a 4 point improvement from 3Q21

Total Revenue
$2.17B
Previous year: $2.03B
+7.2%
EPS
$0.91
Previous year: $0.97
-6.2%
Net Interest Margin
3.22%
CET1 Capital Ratio
9.11%
Previous year: 9.85%
-7.5%
Net Charge-Off Ratio
0.21%
Gross Profit
$2.15B
Previous year: $1.95B
+10.4%
Cash and Equivalents
$3.07B
Previous year: $3.21B
-4.5%
Free Cash Flow
$1.61B
Previous year: $1.14B
+41.4%
Total Assets
$205B
Previous year: $208B
-1.1%

Fifth Third

Fifth Third

Fifth Third Revenue by Segment

Forward Guidance

Fifth Third has been built to perform well through-the-cycle. Our key credit quality metrics in both commercial and consumer portfolios remain resilient, reflecting our focus on high-quality relationships and disciplined approach to client selection. We remain well positioned to outperform peers and generate long-term sustainable value for customers, communities, employees and shareholders.

Revenue & Expenses

Visualization of income flow from segment revenue to net income