Tim Spence

“It is my custom to start these calls with a comment on great banks and navigating uncertainty. But today, I want to start with something else that distinguishes great banks, their people.”

“At Fifth Third, we believe great banks distinguish themselves not by how they perform in denying environments, but how they navigate uncertain ones. In a strong macro environment like this one, our job is to stay disciplined and to build durable franchise earnings, not simply to enjoy the typical boost.”

“To Fifth Third, we believe great banks distinguish themselves not by how they perform in benign environments, but rather by how they navigate uncertain ones.”

“At Fifth Third, we believe that great banks distinguish themselves not by how they perform and benign environments, but rather by how they navigate uncertain ones.”

“So, you know, I think from my point of view, the capital priorities of the bank are always going to be organic growth first, because A, organic growth is completely within our control.”