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  "documentTitle": "2023 Goldman Conference Presentation",
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  "authorName": "Fifth Third Bancorp",
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  "notes": "The slide provides forward-looking guidance for various financial metrics.",
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      "text": "The 4Q23 noninterest expense guidance excludes the ~$224MM FDIC special assessment related to recovering the cost of the closures of Silicon Valley Bank and Signature Bank.",
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      "text": "Net interest income: down 1 - 2%",
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      "text": "As of December 5, 2023; please see cautionary statements on page 2",
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      "text": "Avg. loans & leases (including HFS) down 2 - 3%; Total revenue (3Q23 baseline: $2.170BN; Includes securities g/l) flat to down 1%; Net interest income (3Q23 baseline: $1.445BN) down 1 - 2%; Noninterest income (3Q23 baseline: $732MM) up 1 - 2%; Noninterest expense (3Q23 baseline: $1.188BN) stable to up 1%; Net charge-off ratio 30 - 35 bps; Allowance for credit losses $0 - $25MM build; Effective tax rate ~23%",
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      "text": "Current expectations unchanged from October 19, 2023 earnings call",
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      "text": "4Q23 compared to 3Q23",
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