Fifth Third(US:FITB)2025-10-17 13:00Financial Performance - The company's adjusted PPNR growth was the highest in over 2 years[8] - The reported EPS was $0.91, and the adjusted EPS was $0.93[9] - The reported ROA was 1.21%, and the adjusted ROA was 1.25%[9] - The reported ROE was 12.6%, and the adjusted ROE was 13.0%[9] - The reported ROTCE was 17.3%, and the adjusted ROTCE was 17.7%[9] Loan and Deposit Growth - Average consumer and commercial loans increased by 7% and 4% respectively compared to 3Q24[10] - Average deposits totaled $165 billion, with demand deposits accounting for 25%, interest checking 34%, money market and savings 33%, and time deposits 8%[32] - The company maintained CET1 above 10.5% while executing $300 million of share repurchases and raising the common dividend by 8%[10] Income Statement Analysis - Net interest income increased from $1.50 billion in 2Q25 to $1.525 billion in 3Q25[13] - Capital market fees increased by 28% quarter-over-quarter due to a strong rebound in loan syndications and M&A advisory revenue[14] - Wealth and asset management revenue increased by 11% year-over-year[15] - Mortgage banking net revenue increased by 16% year-over-year[15] - The adjusted efficiency ratio improved by 180 bps compared to 3Q24, reaching 54.1%[22] Credit Quality - The NCO ratio increased to 1.09%[36] - The ACL ratio as a % of portfolio loans and leases was 1.96%[36] Outlook - The company expects average loans & leases to be up 1% in 4Q25 compared to 3Q25[57] - The company expects noninterest income to be up 2-3% in 4Q25 compared to 3Q25[57]