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# Fifth Third Bancorp Posts Q1 2025 Net Income of $478 Million with NIM at 3.03% as It Delivers Positive Operating Leverage
- URL: https://www.theglobalbanker.com/fifth-third-bancorp-q1-2025-net-income-478-million-nim-3-03-percent-third-positive-operating-leverage/
- Published: 2025-04-17T16:54:00.000Z
- Updated: 2026-10-02T13:57:03.000Z
- Description: Fifth Third Bancorp reported Q1 2025 net income of $478m and EPS of $0.71, with NIM expanding 17bps year-on-year to 3.03% and $225m in shares repurchased.
- Author: TGB Editorial Team
- Tags: Banking News, Americas, #archive

Fifth Third Bancorp reported first-quarter 2025 net income of $478 million, or $0.71 per diluted share, as the Cincinnati-based bank again achieved positive operating leverage. 

Net interest income for the quarter came in at $1.44 billion, up $52 million or 4% year-on-year, driven by fixed-rate asset repricing and a 56-basis-point fall in interest-bearing liability costs from proactive deposit and wholesale funding management. The net interest margin widened by 17 basis points compared with the first quarter of 2024, reaching 3.03%.

#### RETURNS AND CAPITAL

Return on assets for the quarter was 0.99%. Fifth Third repurchased $225 million of common shares during the first quarter. The CET1 ratio stood at 10.45%.

#### CREDIT QUALITY

The net charge-off ratio was stable at 0.46% quarter-on-quarter, but non-performing assets rose to $996 million from $853 million in the fourth quarter, lifting the NPA ratio to 0.81% from 0.71%, and the provision for credit losses rose 85% year-on-year to $174 million. Chief executive Tim Spence said the bank remained proactive in managing its credit risk and was stress testing its portfolio under many scenarios in an environment of increased economic uncertainty.

The net interest margin expanded for the fifth consecutive quarter. Management acknowledged that the macroeconomic backdrop, particularly the outlook for trade policy and corporate credit conditions, warranted continued vigilance as the year unfolded.