© Fifth Third Bancorp | All Rights Reserved Barclays Global Financial Services Conference Tim Spence Chief Executive Officer September 10, 2025

2 © Fifth Third Bancorp | All Rights Reserved Cautionary Statement This presentation contains statements that we believe are “forward-looking statements” within the meaning of Section 27A of the Securities Act of 1933, as amended, and Rule 175 promulgated thereunder, and Section 21E of the Securities Exchange Act of 1934, as amended, and Rule 3b-6 promulgated thereunder. All statements other than statements of historical fact are forward-looking statements. These statements relate to our financial condition, results of operations, plans, objectives, future performance, capital actions or business. They usually can be identified by the use of forward-looking language such as “will likely result,” “may,” “are expected to,” “is anticipated,” “potential,” “estimate,” “forecast,” “projected,” “intends to,” or may include other similar words or phrases such as “believes,” “plans,” “trend,” “objective,” “continue,” “remain,” or similar expressions, or future or conditional verbs such as “will,” “would,” “should,” “could,” “might,” “can,” or similar verbs. You should not place undue reliance on these statements, as they are subject to risks and uncertainties, including but not limited to the risk factors set forth in our most recent Annual Report on Form 10-K as updated by our filings with the U.S. Securities and Exchange Commission (“SEC”). There are a number of important factors that could cause future results to differ materially from historical performance and these forward-looking statements. Factors that might cause such a difference include, but are not limited to: (1) deteriorating credit quality; (2) loan concentration by location or industry of borrowers or collateral; (3) problems encountered by other financial institutions; (4) inadequate sources of funding or liquidity; (5) unfavorable actions of rating agencies; (6) inability to maintain or grow deposits; (7) limitations on the ability to receive dividends from subsidiaries; (8) cyber-security risks; (9) Fifth Third’s ability to secure confidential information and deliver products and services through the use of computer systems and telecommunications networks; (10) failures by third-party service providers; (11) inability to manage strategic initiatives and/or organizational changes; (12) inability to implement technology system enhancements, including the use of artificial intelligence; (13) failure of internal controls and other risk management programs; (14) losses related to fraud, theft, misappropriation or violence; (15) inability to attract and retain skilled personnel; (16) adverse impacts of government regulation; (17) governmental or regulatory changes or other actions; (18) failures to meet applicable capital requirements; (19) regulatory objections to Fifth Third’s capital plan; (20) regulation of Fifth Third’s derivatives activities; (21) deposit insurance premiums; (22) assessments for the orderly liquidation fund; (23) weakness in the national or local economies; (24) global political and economic uncertainty or negative actions; (25) changes in interest rates and the effects of inflation; (26) changes in U.S. trade policies, including the imposition of tariffs and retaliatory tariffs; (27) changes and trends in capital markets; (28) fluctuation of Fifth Third’s stock price; (29) volatility in mortgage banking revenue; (30) litigation, investigations, and enforcement proceedings; (31) breaches of contractual covenants, representations and warranties; (32) competition and changes in the financial services industry; (33) potential impacts of the adoption of real-time payment networks; (34) changing retail distribution strategies, customer preferences and behavior; (35) difficulties in identifying, acquiring or integrating suitable strategic partnerships, investments or acquisitions; (36) potential dilution from future acquisitions; (37) loss of income and/or difficulties encountered in the sale and separation of businesses, investments or other assets; (38) results of investments or acquired entities; (39) changes in accounting standards or interpretation or declines in the value of Fifth Third’s goodwill or other intangible assets; (40) inaccuracies or other failures from the use of models; (41) effects of critical accounting policies and judgments or the use of inaccurate estimates; (42) weather-related events, other natural disasters, or health emergencies (including pandemics); (43) the impact of reputational risk created by these or other developments on such matters as business generation and retention, funding and liquidity; (44) changes in law or requirements imposed by Fifth Third’s regulators impacting our capital actions, including dividend payments and stock repurchases; and (45) Fifth Third's ability to meet its environmental and/or social targets, goals and commitments. You should refer to our periodic and current reports filed with the Securities and Exchange Commission, or “SEC,” for further information on other factors, which could cause actual results to be significantly different from those expressed or implied by these forward-looking statements. Moreover, you should treat these statements as speaking only as of the date they are made and based only on information then actually known to us. We expressly disclaim any obligation or undertaking to release publicly any updates or revisions to any forward-looking statements contained herein to reflect any change in our expectations or any changes in events, conditions or circumstances on which any such statement is based, except as may be required by law, and we claim the protection of the safe harbor for forward-looking statements contained in the Private Securities Litigation Reform Act of 1995. The information contained herein is intended to be reviewed in its totality, and any stipulations, conditions or provisos that apply to a given piece of information in one part of this press release should be read as applying mutatis mutandis to every other instance of such information appearing herein. Annualized, pro forma, projected and estimated numbers are used for illustrative purpose only, are not forecasts and may not reflect actual results. In this presentation, we may sometimes provide non-GAAP financial information. Please note that although non-GAAP financial measures provide useful insight to analysts, investors and regulators, they should not be considered in isolation or relied upon as a substitute for analysis using GAAP measures. We provide a discussion of non-GAAP measures and reconciliations to the most directly comparable GAAP measures in slides 40-41 of our 2Q25 earnings presentation, as well as on pages 26 through 28 of our 2Q25 earnings release. Management does not provide a reconciliation for forward-looking non-GAAP financial measures where it is unable to provide a meaningful or accurate calculation or estimation of reconciling items and the information is not available without unreasonable effort. This is due to the inherent difficulty of forecasting the occurrence and the financial impact of various items that have not yet occurred, are out of the Bancorp's control or cannot be reasonably predicted. For the same reasons, Bancorp's management is unable to address the probable significance of the unavailable information. Forward-looking non-GAAP financial measures provided without the most directly comparable GAAP financial measures may vary materially from the corresponding GAAP financial measures.

3 © Fifth Third Bancorp | All Rights Reserved Top performing regional bank with local scale and national reach Midwest footprint Major FITB markets2 with a top 5 deposit share Key Southeast MSAs of focus Assets $210 billion Ranked 10th in the U.S.1 Deposits $164 billion Ranked 9th in the U.S.1 U.S. branches 1,089 Ranked 8th in the U.S.1 Commercial Payments Top 5 market share across several TM product categories4 Southeast footprint Leading position in the markets we compete in Toronto office London office Assets, deposits, and branches as of 6/30/25; 1Rankings as of 6/30/25 and consist of US commercial banks and exclude foreign, trust, & traditional investment banks; 2Includes MSAs with $10BN+ in deposits on a capped basis (deposits per branch capped at $250MM per June 2024 FDIC data); 3Deposits per branch capped at $250MM per June 2024 FDIC data; Midwest and Southeast rankings represent in footprint deposit market share; 4Source: 2023 Cash Management Services Survey administered by EY Deposit share rankings3 #2 #6Midwest Southeast #3 Fifth Third footprint Significant locational share in notable MSAs Nashville, TN Charlotte, NC #3 #4 Cincinnati, OH #1 Chicago, IL #3 Top 10 deposit share in ~90% of retail footprint Columbus, OH Indianapolis, IN #3 #3 Tampa, FL #6 Grand Rapids, MI #1

4 © Fifth Third Bancorp | All Rights Reserved Disciplined execution guided by core principles Stability Profitability Growth Consistent and disciplined management, with a long-term focus throughout the company • Resilient balance sheet • Strong credit profile • Branch-originated insured deposits and operational deposits tied to payment services • NII growth and NIM expansion • Diverse fee mix with high total revenue contribution • Expense discipline • Southeast demographics • Modular, repeatable investments • Tech-enabled product innovation #2 #3#1

5 © Fifth Third Bancorp | All Rights Reserved 12.7% Peer 1 Peer 9 Peer 5 Peer 6 Peer 2 Peer 3 Peer 4 Peer 7 Peer 10 Peer 8 x Peer 11 2Q25 LTM 56.7% Peer 2 Peer 1 Peer 5 Peer 11 Peer 10 Peer 7 Peer 4 Peer 3 Peer 9 Peer 6 x Peer 8 2Q25 LTM 1.15% Peer 1 Peer 5 Peer 2 Peer 11 Peer 9 Peer 10 Peer 4 Peer 7 x Peer 3 Peer 6 Peer 8 2Q25 LTM Adjusted basis Driving to consistently generate top results 60.5% Peer 3 Peer 5 x Peer 11 Peer 7 Peer 8 Peer 9 Peer 4 Peer 1 Peer 10 Peer 6 Peer 2 1.29% Peer 2 Peer 6 Peer 10 Peer 9 Peer 7 Peer 5 Peer 8 Peer 4 Peer 11 x Peer 3 Peer 1 Return on equity1 2018 2018 Return on assets1 Efficiency ratio1 Adjusted basis Adjusted basis Remain focused on long-term horizon Expect to continue generating top-tier financial results2 1Non-GAAP measure: see reconciliation and use of non-GAAP measures on pages 26-28 of the 2Q25 earnings release; 2See forward-looking statements on page 2 of this presentation regarding forward-looking non-GAAP measures and use of non-GAAP measures on pages 26-28 of the 2Q25 earnings release 2018 12.0% Peer 2 Peer 10 Peer 4 Peer 6 Peer 5 X Peer 9 Peer 11 Peer 7 Peer 8 Peer 3 Peer 1

6 © Fifth Third Bancorp | All Rights Reserved Peer 1 Peer 11 Peer 5 Peer 8 Peer 10 * Peer 4 Peer 3 Peer 6 Peer 12 Peer 9 Peer 2 Peer 7 Peer 2 Peer 3 Peer 7 * Peer 4 Peer 5 Peer 8 Peer 6 Peer 9 Peer 12 Peer 1 Peer 10 Peer 11 Delivering long-term shareholder outperformance with near-peer valuation Total shareholder return Note: Trailing TSR as of 8/29/2025 2025 P/E 2026 P/E 2025 consensus EPS and price as of 8/29/25 2026 consensus EPS and price as of 8/29/25 Peer median 12.2x Peer median 10.8x 12.9x 11.5x 1 Peer 8 187% FITB 102% Peer 8 304% 2 Peer 3 181% Peer 8 86% FITB 223% 3 FITB 162% Peer 7 83% Peer 7 213% 4 Peer 1 147% Peer 1 71% Peer 1 205% 5 Peer 4 135% Peer 3 60% Peer 11 162% 6 Peer 2 123% Peer 4 52% Peer 4 145% 7 Peer 6 123% Peer 6 41% Peer 2 135% 8 Peer 7 122% Peer 11 37% Peer 6 123% 9 Peer 11 108% Peer 5 26% Peer 3 118% 10 Peer 5 94% Peer 9 22% Peer 5 108% 11 Peer 10 63% Peer 10 19% Peer 9 88% 12 Peer 9 49% Peer 2 (1%) Peer 10 63% 5 Year 7 Year 10 Year

7 © Fifth Third Bancorp | All Rights Reserved Current expectations - 3Q25 compared to 2Q25 As of September 10, 2025; please see cautionary statements on page 2 Avg. loans & leases (Including HFS) stable to up ~1% Net interest income1 (2Q25 baseline: $1.500 billion) up ~1% assumes 9/30/25 Fed funds rate of 4.25% Noninterest income1 (2Q25 baseline: $735 million; excludes securities g/l) up 1 – 4% Noninterest expense1 (2Q25 baseline: $1.233 billion; excludes the market-to market impact of non-qualified deferred compensation) up ~1% Net charge-off ratio 45 – 49 bps Provision for credit losses (Net charge-offs +/- reserve build/release) N/A Effective tax rate 22 - 23% We expect 3Q25 criticized assets & NPAs to decline from 2Q25, and 4Q25 net charge-offs to be ~40 bps 1 See forward-looking statements on page 2 of this presentation regarding forward-looking non-GAAP measures and use of non-GAAP measures on pages 26-28 of the 2Q25 earnings release . As of July 17, 2025 stable to up ~1% up ~1% assumes 9/30/25 Fed funds rate of 4.25% up 5 – 7% up ~1% N/A $220 - $250MM Including $170-$200MM for loan impairment related to alleged fraud 23% As of September 10, 2025