 © Fifth Third Bank | All Rights Reserved Goldman Sachs U.S. Financial Services Conference Tayfun Tuzun Executive Vice President & Chief Financial Officer December 9, 2014 Refer to earnings release dated October 16, 2014 and 10-Q dated November 7, 2014 for further information. Exhibit 99.1 |
 2 © Fifth Third Bank | All Rights Reserved Business composition at Fifth Third Consumer Lending Branch Banking Wealth Management Commercial Banking Retail Bank Cards Home Equity Mortgage Auto Private Bank Retail Brokerage Institutional Services Commercial Bank Footprint Business Lines In footprint markets National consumer lending In footprint markets National commercial banking 37% of Bancorp net revenue 10% of Bancorp net revenue 9% of Bancorp net revenue 42% of Bancorp net revenue 1 2014YTD as of September 30. Net revenue represents net interest income plus noninterest income. General Corporate and Other segment not included in above disclosure and represents remaining 2% of net revenue. 1 1 1 1 |
 3 © Fifth Third Bank | All Rights Reserved Overview of our Commercial Bank • Approximately 33% of Commercial revenue driven by National business and 67% in footprint at 3Q14 – Compared with approximately 25% National and 75% in footprint at 1Q11 In footprint markets National commercial banking National commercial hub cities Commercial loan production office Small Business Business Banking Middle Market Mid Corp Large Corp <$2MM sales $2-10MM sales $10-500MM sales $500MM-2B sales >$2B sales 1Q11 Commercial Loans Commercial Bank Composition by Segment 3Q14 Commercial Loans |
 4 © Fifth Third Bank | All Rights Reserved Strategic direction in commercial banking Growing relationships with larger companies Strengthening vertical expertise Increasing utilization of non-credit offerings Selection of verticals based on market size, identified non-credit product and service utilization, and growth expectations Specialized relationship managers with better knowledge of clients’ business Current verticals: Healthcare, Energy, Retail Alignment of risk appetite and stronger post-crisis growth in large and mid- corporate borrowing needs Better credit quality and need for wider scope of banking products and services Continuing to preserve relationships in traditional middle market lending given market conditions Areas of historical expertise such as Treasury Management coupled with new investments in capital markets capabilities and advisory services Competitive advantage relative to smaller bank competition |
 5 © Fifth Third Bank | All Rights Reserved Changing profile of commercial lending Commercial Loan Portfolio Cross-sell ratio 2 Changing credit profile post-crisis directly linked to change in our risk appetite, indirectly a result of increased focus on mid- and large-corporate relationships Combination of lower credit spreads and higher capital ratios require significantly higher contribution from non-credit business fees to meet target returns Although fee income streams may result in higher potential volatility in revenues compared to pure interest income, lower credit volatility should preserve stable earnings PD Yield / Rating Noninterest Income Composition 3 1 1 5 year BB spread at quarter end. 2 3Q12 not restated for subsequent adjustments reflected in current period data. 3 Represents National Healthcare business. 2.00 2.50 3.00 3.50 4.00 4.50 3Q12 3Q14 Mid-Corporate Healthcare - - - 1% 2% 3% 4% 5% 6% 7% 4 5 6 7 8 Weighted-Average PD Yield 5 Yr Rating BB Spread 27% 17% 16% 16% 14% 4% 4% 1% 1% BL Fees Syndication Fees FX Revenue Institutional Sales LOC Fees Derivative Income Lease Remarketing Commodities Revenue Other Total Commercial |
 6 © Fifth Third Bank | All Rights Reserved Changing trajectory of earnings composition 1 Includes FTE Adjustment 2 YTD10, YTD11, and YTD12 have not been restated for changes in the structure of reporting units that occurred in 1Q14. Net Revenue 1,2 Net Interest Income 1,2 Fees 2 • In the long-run, focus on non-credit revenue streams and continued upgrade of portfolio credit profile is likely to favor growth rates in fee items relative to margin income Growth rates in margin income in the transition to higher interest rates are expected to improve • Overall attractiveness of commercial banking is likely to be high as capital efficiencies and lower volatility will lead to higher shareholder returns Our focus on leveraging verticals and relationships with high growth potential is key to maintaining historically sector-leading growth in commercial banking Commercial Bank Financial Trends ($MM) |
 7 © Fifth Third Bank | All Rights Reserved Conclusion • Current capital levels in banking combined with current pricing of credit risk require shift in corporate lending strategy Minimum stress scenario capital levels serve as binding constraint Optimal capital management requires changes in borrower risk profile Relationship-focused to include contribution from non-credit business • Non-credit fee growth provides good balance to lower margins in lending and improves capital efficiency • Our size enables us to compete better with larger banks in capturing relationships as the SIFI banks are subject to lower leverage limits Additionally, specialized lending in select sectors deepen expertise and attract talented relationship managers to service clients at a higher level • Over the long run we expect this approach leads to lower volatility of credit losses and earnings while driving more stable returns on capital and maintaining our strong growth rates in corporate banking |
 8 © Fifth Third Bank | All Rights Reserved Cautionary statement This report 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. These statements relate to our financial condition, results of operations, plans, objectives, future performance 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,” “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 Quarterly Reports on Form 10-Q. When considering these forward-looking statements, you should keep in mind these risks and uncertainties, as well as any cautionary statements we may make. 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. 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) general economic conditions and weakening in the economy, specifically the real estate market, either nationally or in the states in which Fifth Third, one or more acquired entities and/or the combined company do business, are less favorable than expected; (2) deteriorating credit quality; (3) political developments, wars or other hostilities may disrupt or increase volatility in securities markets or other economic conditions; (4) changes in the interest rate environment reduce interest margins; (5) prepayment speeds, loan origination and sale volumes, charge-offs and loan loss provisions; (6) Fifth Third’s ability to maintain required capital levels and adequate sources of funding and liquidity; (7) maintaining capital requirements and adequate sources of funding and liquidity may limit Fifth Third’s operations and potential growth; (8) changes and trends in capital markets; (9) problems encountered by larger or similar financial institutions may adversely affect the banking industry and/or Fifth Third; (10) competitive pressures among depository institutions increase significantly; (11) effects of critical accounting policies and judgments; (12) changes in accounting policies or procedures as may be required by the Financial Accounting Standards Board (FASB) or other regulatory agencies; (13) legislative or regulatory changes or actions, or significant litigation, adversely affect Fifth Third, one or more acquired entities and/or the combined company or the businesses in which Fifth Third, one or more acquired entities and/or the combined company are engaged, including the Dodd-Frank Wall Street Reform and Consumer Protection Act; (14) ability to maintain favorable ratings from rating agencies; (15) fluctuation of Fifth Third’s stock price; (16) ability to attract and retain key personnel; (17) ability to receive dividends from its subsidiaries; (18) potentially dilutive effect of future acquisitions on current shareholders’ ownership of Fifth Third; (19) effects of accounting or financial results of one or more acquired entities; (20) difficulties from Fifth Third’s investment in, relationship with, and nature of the operations of Vantiv, LLC; (21) loss of income from any sale or potential sale of businesses that could have an adverse effect on Fifth Third’s earnings and future growth; (22) ability to secure confidential information and deliver products and services through the use of computer systems and telecommunications networks; and (23) the impact of reputational risk created by these developments on such matters as business generation and retention, funding and liquidity. 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. |