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Current Report · Items 8.01, 9.01 · 8-K

Fifth Third Bancorp

Other Events

Item 8.01 Other Events. Exchange Offers and Consent Solicitations On June 10, 2026 (the “Final Settlement Date”), Fifth Third Bancorp completed its previously announced (a) offers to exchange (each an “Exchange Offer” and collectively, the “Exchange Offers”) certain outstanding notes originally issued by Comerica Incorporated and assumed by Fifth Third Financial Corporation (“FTFC”) as successor b…

Filed Jun 10, 2026Accepted Jun 10, 2026, 4:34 PM EDTCIK 35527Accession 0001193125-26-265928
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Company context

Fifth Third is a bank that’s as long on innovation as it is on history. Since 1858, we’ve been helping individuals, families, businesses and communities grow through smart financial services that improve lives. Our list of firsts is extensive, and it’s one that continues to expand as we explore the intersection of tech-driven innovation, dedicated people and focused community impact. Fifth Third is one of the few U.S.-based banks to have been named among Ethisphere’s World’s Most Ethical Companies® for several years. With a commitment to taking care of our customers, employees, communities and shareholders, our goal is not only to be the nation’s highest performing regional bank, but to be the bank people most value and trust.

Current securities

Recent company filings

  1. Other EventsSep 24, 2026
  2. Other EventsSep 23, 2026
  3. Regulation FD DisclosureSep 14, 2026
  4. CERT filingAug 26, 2026
  5. 8-A12B filingAug 26, 2026

Disclosure sections

Items 8.01, 9.01

Select an item to read the extracted section. The as-filed document remains the primary evidence.

Item 8.01Item 8.01 - Other Events
Item 8.01 Other Events. Exchange Offers and Consent Solicitations On June 10, 2026 (the “Final Settlement Date”), Fifth Third Bancorp completed its previously announced (a) offers to exchange (each an “Exchange Offer” and collectively, the “Exchange Offers”) certain outstanding notes originally issued by Comerica Incorporated and assumed by Fifth Third Financial Corporation (“FTFC”) as successor by merger (the “Existing FTFC Notes”) for (1) new notes issued by Fifth Third Bancorp (the “New Fifth Third Notes”) and (2) cash; and (b) related solicitations of consents (each, a “Consent Solicitation” and, collectively, the “Consent Solicitations”) to adopt certain proposed amendments to the corresponding indentures governing the Existing FTFC Notes to eliminate certain of the covenants, restrictive provisions and events of default from such indentures (the “Proposed Amendments”). As of 5:00 p.m., New York City time, on June 8, 2026 (the “Expiration Date”), the following principal amounts of each series of Existing FTFC Notes have been validly tendered and not validly withdrawn (and consents thereby validly given and not validly revoked): Title of Series of Existing FTFC Notes Aggregate Principal Principal Amount Principal Amount Tendered and Amount Outstanding at Accepted for Outstanding Commencement of Exchange after Final the Exchange Offers Settlement 4.000% Senior Notes due 2029 $550,000,000 $334,781,000 $215,219,000 5.982% Fixed-To-Floating Rate Senior Notes due 2030 $1,000,000,000 $938,170,000 $61,830,000 All of the Existing FTFC Notes validly tendered in the Exchange Offers were accepted for exchange. All accepted Existing FTFC Notes will be retired and cancelled. The Exchange Offers and Consent Solicitations have expired, and are no longer open to participation by any holders of the Existing FTFC Notes. As previously announced, FTFC received the requisite number of consents to adopt the Proposed Amendments with respect to each of the two outstanding series of Existing FTFC Notes that were subject to the Exchange Offers and Consent Solicitations. Accordingly, FTFC and the trustee for each such outstanding series of Existing FTFC Notes executed and delivered a supplemental indenture effecting the Proposed Amendments, which supplemental indenture became effective and operational on the Final Settlement Date. The Proposed Amendments deleted in their entirety (unless otherwise noted) the following sections or provisions from the applicable existing FTFC indentures with respect to the applicable series of Existing FTFC Notes (the section and clause references below being to the existing FTFC indenture and first supplemental indenture establishing the relevant series of Existing FTFC Notes): Existing FTFC 4.000% Senior Notes due 2029 with reference to the section numbers of the existing FTFC base indenture: Section 5.1 – Events of Default (only clauses (4) and (7)) Section 8.1 – Company May Consolidate, Etc., Only on Certain Terms (only clause 2) Section 10.5 – Existence Section 10.6 – Maintenance of Properties Section 10.7 – Payment of Taxes and Other Claims Section 13.4 – Conditions to Defeasance or Covenant Defeasance (only clauses (2) to (5) and (8)) Existing FTFC 5.982% Fixed-To-Floating Rate Senior Notes due 2030 with reference to the section numbers of the existing FTFC base indenture: Section 5.1 – Events of Default (only clauses (4) and (7)) Section 8.1 – Company May Consolidate, Etc., Only on Certain Terms (only clause 2) Section 10.5 – Existence Section 10.6 – Maintenance of Properties Section 10.7 – Payment of Taxes and Other Claims Section 13.4 – Conditions to Defeasance or Covenant Defeasance (only clauses (2) to (5) and (8)) with reference to the section numbers of the existing FTFC first supplemental indenture: Section 1.10 – Amendment of Section 5.7 of the Base Indenture Section 1.11 – Amendment of Section 5.11 of the Base Indenture Section 1.16 – Amendment of Section 8.1 of the Base Indenture Section 1.19 – Amendment of Section 13.4 of the Base Indenture The Proposed Amendments also amended the existing FTFC indenture and first supplemental indenture and the Existing FTFC Notes to make certain conforming or other changes, including modification or deletion of certain definitions and cross references. The remainder of the Existing FTFC Notes, representing $215,219,000 in aggregate principal amount of Existing FTFC 4.000% Senior Notes due 2029 and $61,830,000 in aggregate principal amount of Existing FTFC 5.982% Fixed-To-Floating Rate Senior Notes due 2030, that were not exchanged pursuant to the Exchange Offers remain obligations of FTFC and will continue to be subject to their existing terms as modified by the Proposed Amendments. New Fifth Third Notes Upon completion of the Exchange Offers, Fifth Third Bancorp issued approximately $1,272,791,000 billion in aggregate principal amount of New Fifth Third Notes in exchange for Existing FTFC Notes that were tendered and accepted. Each series of New Fifth Third Notes was issued pursuant to the Indenture dated as of April 30, 2008 and as amended by Article 4 of the Twelfth Supplemental Indenture dated as of April 25, 2022 between Fifth Third Bancorp and Wilmington Trust Company, as trustee (“Wilmington Trust”), as supplemented by a Nineteenth Supplemental Indenture dated as of the Final Settlement Date (as supplemented, the “Fifth Third Indenture”). The New Fifth Third 4.000% Senior Notes due 2029 will mature on February 1, 2029 and will bear interest at a rate per annum equal to 4.000%. The New Fifth Third 5.982% Fixed-To-Floating Rate Senior Notes due 2030 will mature on January 30, 2030 and will bear interest (a) from, and including, their initial interest accrual date to, but excluding, January 30, 2029, at the rate of 5.982% per annum, and (b) from, and including, January 30, 2029 to, but excluding January 30, 2030, at a floating rate per annum equal to Compounded SOFR plus 2.155%. The New Fifth Third 4.000% Senior Notes due 2029 are subject to redemption at any time or from time to time on and after November 3, 2028, in whole or in part, at the election of Fifth Third, at a redemption price equal to 100% of the principal amount of the notes to be redeemed, plus accrued and unpaid interest thereon to, but not including, the redemption date. The New Fifth Third 5.982% Fixed-To-Floating Rate Senior Notes due 2030 are subject to optional redemption prior to January 30, 2029 (the “Par Call Date”), in whole or in part, at any time and from time to time, at a redemption price (expressed as a percentage of the principal amount and rounded to three decimal places) equal to the greater of: (1) (a) the sum of the present values of the remaining scheduled payments of principal and interest on the New Fifth Third 5.982% Fixed-To-Floating Rate Senior Notes due 2030 to be redeemed discounted to the redemption date (assuming that the New Fifth Third 5.982% Fixed-To-Floating Rate Senior Notes due 2030 matured on the Par Call Date) on a semi-annual basis (assuming a 360-day year consisting of twelve 30-day months) at the Treasury Rate (as defined therein) plus 30 basis points less (b) interest accrued to but excluding the redemption date; and (2) 100% of the principal amount of the New Fifth Third 5.982% Fixed-To-Floating Rate Senior Notes due 2030 to be redeemed, plus, accrued and unpaid interest on the New Fifth Third 5.982% Fixed-To-Floating Rate Senior Notes due 2030 to be redeemed to but excluding the redemption date. Additionally, on January 30, 2029, Fifth Third may redeem the New Fifth Third 5.982% Fixed-To-Floating Rate Senior Notes due 2030, in whole but not in part, at a redemption price equal to 100% of the principal amount of the New Fifth Third 5.982% Fixed-To-Floating Rate Senior Notes due 2030 to be redeemed, plus accrued and unpaid interest thereon to but excluding the redemption date. The New Fifth Third Notes are senior unsecured obligations and will rank equally with Fifth Third’s other unsecured and unsubordinated debt from time to time outstanding. The New Fifth Third Notes have not been registered with the Securities and Exchange Commission (the “SEC”) under the Securities Act of 1933 or any state or foreign securities laws. Therefore, the New Fifth Third Notes may not be offered or sold in the United States or to any U.S. person absent registration, except pursuant to an applicable exemption from, or in a transaction not subject to, the registration requirements of the Securities Act. Registration Rights Agreement In connection with the issuance of the New Fifth Third Notes, Fifth Third Bancorp also entered into a registration rights agreement, dated June 10, 2026 (the “Registration Rights Agreement”), by and between Fifth Third Bancorp, as issuer, and J.P. Morgan Securities LLC, as dealer manager (the “Dealer Manager”). Under the Registration Rights Agreement, Fifth Third agreed, among other things, to use commercially reasonable efforts, to file with the SEC and cause to become effective a registration statement with respect to an offer to exchange each series of New Fifth Third Notes for new notes within 365 days of the Final Settlement Date. In addition, Fifth Third has agreed to use commercially reasonable efforts to file a shelf registration statement to cover resales of the New Fifth Third Notes under the Securities Act in certain circumstances. If Fifth Third does not comply with these obligations, Fifth Third will be required to pay additional interest on the New Fifth Third Notes under specified circumstances. The Dealer Manager has in the past performed, and may from time to time in the future perform, investment banking, financial advisory, lending or commercial banking services for Fifth Third Bancorp and its affiliates for which it has received, and may in the future receive, customary compensation and reimbursement of expenses. The foregoing description is a summary of the terms of the Nineteenth Supplemental Indenture, the New Fifth Third Notes and the Registration Rights Agreement and does not purport to be complete. The foregoing description is qualified in its entirety by reference to the full text of the Nineteenth Supplemental Indenture, the New Fifth Third Notes and the Registration Rights Agreement, copies of which are attached hereto as Exhibits 4.1 through 4.6 and incorporated herein by reference.
Filed exhibits (6)
EX-4.1 (by filename) d129179dex41.htm

EX-4.1 2 d129179dex41.htm EX-4.1 EX-4.1 Exhibit 4.1 FIFTH THIRD BANCORP, as Issuer TO WILMINGTON TRUST COMPANY, as Trustee Nineteenth Supplemental Indenture Dated as of June 10, 2026 SENIOR DEBT SECURITIES TABLE OF CONTENTS ARTICLE 1 SCOPE OF NINETEENTH SUPPLEMENTAL INDENTURE 2 Section 1.1 Scope and Effect of this Nineteenth Supplemental Indenture 2 ARTICLE 2 DEFINITIONS 2 Section 2.1 Definitions and Other Provisions of General Application 2 Section 2.2 [Reserved.] 9 ARTICLE 3 FORM AND TERMS OF THE SENIOR NOTES 9 Section 3.1 Form and Dating 9 Section 3.2 Terms of the 2029 Notes 10 Section 3.3 Terms of the 2030 Notes 14 ARTICLE 4 MISCELLANEOUS 22 Section 4.1 Trust Indenture Act of 1939 22 Section 4.2 Governin…

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EX-4.2 (by filename) d129179dex42.htm

EX-4.2 3 d129179dex42.htm EX-4.2 EX-4.2 Exhibit 4.2 THIS SECURITY IS A GLOBAL SECURITY WITHIN THE MEANING OF THE INDENTURE HEREINAFTER REFERRED TO AND IS REGISTERED IN THE NAME OF A DEPOSITARY OR A NOMINEE THEREOF. THIS SECURITY MAY NOT BE EXCHANGED IN WHOLE OR IN PART FOR A SECURITY REGISTERED, AND NO TRANSFER OF THIS SECURITY IN WHOLE OR IN PART MAY BE REGISTERED, IN THE NAME OF ANY PERSON OTHER THAN SUCH DEPOSITARY OR A NOMINEE THEREOF, EXCEPT IN THE LIMITED CIRCUMSTANCES DESCRIBED IN THE INDENTURE. THIS NOTE HAS NOT BEEN REGISTERED UNDER THE U.S. SECURITIES ACT OF 1933, AS AMENDED (THE “SECURITIES ACT”), OR THE SECURITIES LAWS OF ANY STATE OR OTHER JURISDICTION, AND, ACCORDINGLY, MAY NOT BE OFFERED, SOLD, PLEDGED OR OTHERWISE TRANSFERRED WITHIN THE UNITED STATES OR TO, OR FOR THE ACCOUNT OR BENEFIT OF, U.S. PERSONS, EXCEPT AS SET FORTH BELOW. EACH ACQUIROR OF THIS NOTE IS HEREBY NOTIFIED THAT THE COMPANY OR SELLER OF THIS NOTE MAY BE RELYING ON THE EXEMPTION FROM THE PROVISIONS OF SECTION 5 OF THE SECURITIES ACT PROVIDED BY RULE 144A, REGULATION S OR ANOTHER EXEMPTION THEREUNDER. BY ITS ACQUISITION HEREOF OR OF A BENEFICIAL INTEREST HEREIN, THE HOLDER (1) REPRESENTS THA…

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EX-4.3 (by filename) d129179dex43.htm

EX-4.3 4 d129179dex43.htm EX-4.3 EX-4.3 Exhibit 4.3 THIS SECURITY IS A GLOBAL SECURITY WITHIN THE MEANING OF THE INDENTURE HEREINAFTER REFERRED TO AND IS REGISTERED IN THE NAME OF A DEPOSITARY OR A NOMINEE THEREOF. THIS SECURITY MAY NOT BE EXCHANGED IN WHOLE OR IN PART FOR A SECURITY REGISTERED, AND NO TRANSFER OF THIS SECURITY IN WHOLE OR IN PART MAY BE REGISTERED, IN THE NAME OF ANY PERSON OTHER THAN SUCH DEPOSITARY OR A NOMINEE THEREOF, EXCEPT IN THE LIMITED CIRCUMSTANCES DESCRIBED IN THE INDENTURE. THIS NOTE HAS NOT BEEN REGISTERED UNDER THE U.S. SECURITIES ACT OF 1933, AS AMENDED (THE “SECURITIES ACT”), OR THE SECURITIES LAWS OF ANY STATE OR OTHER JURISDICTION, AND, ACCORDINGLY, MAY NOT BE OFFERED, SOLD, PLEDGED OR OTHERWISE TRANSFERRED WITHIN THE UNITED STATES OR TO, OR FOR THE ACCOUNT OR BENEFIT OF, U.S. PERSONS, EXCEPT AS SET FORTH BELOW. EACH ACQUIROR OF THIS NOTE IS HEREBY NOTIFIED THAT THE COMPANY OR SELLER OF THIS NOTE MAY BE RELYING ON THE EXEMPTION FROM THE PROVISIONS OF SECTION 5 OF THE SECURITIES ACT PROVIDED BY RULE 144A, REGULATION S OR ANOTHER EXEMPTION THEREUNDER. BY ITS ACQUISITION HEREOF OR OF A BENEFICIAL INTEREST HEREIN, THE HOLDER (1) REPRESENTS THA…

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EX-4.4 (by filename) d129179dex44.htm

EX-4.4 5 d129179dex44.htm EX-4.4 EX-4.4 Exhibit 4.4 THIS SECURITY IS A GLOBAL SECURITY WITHIN THE MEANING OF THE INDENTURE HEREINAFTER REFERRED TO AND IS REGISTERED IN THE NAME OF A DEPOSITARY OR A NOMINEE THEREOF. THIS SECURITY MAY NOT BE EXCHANGED IN WHOLE OR IN PART FOR A SECURITY REGISTERED, AND NO TRANSFER OF THIS SECURITY IN WHOLE OR IN PART MAY BE REGISTERED, IN THE NAME OF ANY PERSON OTHER THAN SUCH DEPOSITARY OR A NOMINEE THEREOF, EXCEPT IN THE LIMITED CIRCUMSTANCES DESCRIBED IN THE INDENTURE. THIS NOTE HAS NOT BEEN REGISTERED UNDER THE U.S. SECURITIES ACT OF 1933, AS AMENDED (THE “SECURITIES ACT”), OR THE SECURITIES LAWS OF ANY STATE OR OTHER JURISDICTION, AND, ACCORDINGLY, MAY NOT BE OFFERED, SOLD, PLEDGED OR OTHERWISE TRANSFERRED WITHIN THE UNITED STATES OR TO, OR FOR THE ACCOUNT OR BENEFIT OF, U.S. PERSONS, EXCEPT AS SET FORTH BELOW. EACH ACQUIROR OF THIS NOTE IS HEREBY NOTIFIED THAT THE COMPANY OR SELLER OF THIS NOTE MAY BE RELYING ON THE EXEMPTION FROM THE PROVISIONS OF SECTION 5 OF THE SECURITIES ACT PROVIDED BY RULE 144A, REGULATION S OR ANOTHER EXEMPTION THEREUNDER. BY ITS ACQUISITION HEREOF OR OF A BENEFICIAL INTEREST HEREIN, THE HOLDER (1) REPRESENTS THA…

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EX-4.5 (by filename) d129179dex45.htm

EX-4.5 6 d129179dex45.htm EX-4.5 EX-4.5 Exhibit 4.5 THIS SECURITY IS A GLOBAL SECURITY WITHIN THE MEANING OF THE INDENTURE HEREINAFTER REFERRED TO AND IS REGISTERED IN THE NAME OF A DEPOSITARY OR A NOMINEE THEREOF. THIS SECURITY MAY NOT BE EXCHANGED IN WHOLE OR IN PART FOR A SECURITY REGISTERED, AND NO TRANSFER OF THIS SECURITY IN WHOLE OR IN PART MAY BE REGISTERED, IN THE NAME OF ANY PERSON OTHER THAN SUCH DEPOSITARY OR A NOMINEE THEREOF, EXCEPT IN THE LIMITED CIRCUMSTANCES DESCRIBED IN THE INDENTURE. THIS NOTE HAS NOT BEEN REGISTERED UNDER THE U.S. SECURITIES ACT OF 1933, AS AMENDED (THE “SECURITIES ACT”), OR THE SECURITIES LAWS OF ANY STATE OR OTHER JURISDICTION, AND, ACCORDINGLY, MAY NOT BE OFFERED, SOLD, PLEDGED OR OTHERWISE TRANSFERRED WITHIN THE UNITED STATES OR TO, OR FOR THE ACCOUNT OR BENEFIT OF, U.S. PERSONS, EXCEPT AS SET FORTH BELOW. EACH ACQUIROR OF THIS NOTE IS HEREBY NOTIFIED THAT THE COMPANY OR SELLER OF THIS NOTE MAY BE RELYING ON THE EXEMPTION FROM THE PROVISIONS OF SECTION 5 OF THE SECURITIES ACT PROVIDED BY RULE 144A, REGULATION S OR ANOTHER EXEMPTION THEREUNDER. BY ITS ACQUISITION HEREOF OR OF A BENEFICIAL INTEREST HEREIN, THE HOLDER (1) REPRESENTS THA…

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EX-4.6 (by filename) d129179dex46.htm

EX-4.6 7 d129179dex46.htm EX-4.6 EX-4.6 Exhibit 4.6 REGISTRATION RIGHTS AGREEMENT by and between Fifth Third Bancorp, as Issuer, and J.P. Morgan Securities LLC, as Dealer Manager Dated as of June 10, 2026 REGISTRATION RIGHTS AGREEMENT This Registration Rights Agreement (this “Agreement”) is made and entered into this 10th day of June, 2026, by and among Fifth Third Bancorp, an Ohio corporation (the “Company”), and J.P. Morgan Securities LLC (the “Dealer Manager”). This Agreement is made pursuant to the Offering Memorandum and Consent Solicitation Statement dated May 8, 2026 (as amended or supplemented, the “Offering Memorandum”), which provides for the offers by the Company to exchange (collectively, the “Private Exchange Offers”) any and all of the outstanding 4.000% Senior Notes due 2029 and 5.982% Fixed-to-Floating Rate Senior Notes due 2030 (collectively, the “Old Comerica Notes”) issued by Comerica Incorporated, a Delaware corporation (“Comerica”), and held by certain eligible holders in exchange for newly issued debt securities of the Company (the “New FTB Notes”), in each case maturing on the same date and bearing an interest rate of the same amount per annum a…

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