{"schema_version":"secwatch.filing_event.v1","accession":"0000035527-24-000005","form_type":"8-K","ticker":"FITB","cik":"0000035527","company_name":"FIFTH THIRD BANCORP","filed_at":"2024-01-19T23:59:59+00:00","discovered_at":"2026-05-14T18:03:26.584388+00:00","generated_at":"2026-06-06T21:33:58.461697+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"Fifth Third Q4 2023 EPS $0.72, down 21% seq; NII -10% YoY; FDIC charge of $0.27 per share","bullets":["Diluted EPS $0.72 vs $0.91 Q3 and $1.01 year ago; net income $530M down 28% YoY.","Net interest income (FTE) $1.423B (-2% seq, -10% YoY); net interest margin 2.85% (-13bps seq).","Noninterest expense $1.455B (+22% seq) included $224M FDIC special assessment; adjusted expense +2% seq.","CET1 increased 49bps to 10.29%; transferred $12.6B AFS securities to HTM to reduce capital volatility.","Average deposits +2% seq, +5% YoY; NCO ratio 0.32% improved but NPA ratio 0.59% up from 0.44% YoY."],"urls":{"canonical":"https://secwatch.observer/filing/0000035527-24-000005","json":"https://secwatch.observer/filing/0000035527-24-000005.json","markdown":"https://secwatch.observer/filing/0000035527-24-000005.md","text":"https://secwatch.observer/filing/0000035527-24-000005.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/35527/000003552724000005/0000035527-24-000005-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/35527/000003552724000005/fitb-20240119.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-06T21:33:58.461697+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[{"claim_id":"d91adbdee9d58bdd905251a2b6abe48e109a2785","claim":"FIFTH THIRD BANCORP reported Fourth Quarter 2023 results: net income $530 million, EPS $0.72.","evidence_excerpt":"Fifth Third Reports Fourth Quarter 2023 Diluted Earnings Per Share of $0.72","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/35527/000003552724000005/0000035527-24-000005-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"Fourth Quarter 2023"},{"label":"Net income","value":"$530 million"},{"label":"EPS","value":"$0.72"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}