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Timothy Spence

Chairman, Chief Executive Officer & President, Fifth Third Bancorp

Search every verified Timothy Spence interview, podcast appearance, and on-the-record quote — each transcript cross-checked by AI and human review to confirm speaker identity. Timothy Spence, chairman, CEO, and president of Fifth Third Bancorp, discussed the bank's second-quarter 2026 results on a July 17, 2026 earnings call, noting the performance of its consumer franchise and deposit base, which he said included $116 billion in core deposits at a total cost of 1.25%. He stated that the bank was running ahead of its $850 million synergy target related to its merger with Comerica, which closed in February 2026, and that the intent was to reinvest any additional synergies into revenue growth rather than let them fall to the bottom line. Spence also said he felt "pretty good" about sustaining the bank's loan growth pace barring a material macro change, citing broad confidence among commercial clients, and highlighted plans to invest in real estate capital markets following the acquisition of a DUS lender. In earlier remarks from a January 2025 earnings call, Spence expressed confidence in achieving record net income in 2025 and delivering positive operating leverage across a range of interest rate environments. He also commented on the U.S. banking system, saying it was the least consolidated in the world and predicting eventual further consolidation, citing Treasury Secretary Bessent's testimony favoring more competition for larger banks. During that call, he expressed sympathy for those affected by California wildfires, noting a personal connection to the Pasadena area.

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