20972 ÷ 5 = 4194 R2
Alright, let's work through the division of 20972 by 5 step by step.

Step 1:
5 goes into 2 0 times with a remainder of 2.
Write down 0 as next digit of of the result. 
Result so far: 0
Subtract 0 from 2 to get 2.
Bring next digit (0) of the dividend behind the 2 and repeat the process: 20 / 5

Step 2:
5 goes into 20 4 times with a remainder of 0.
Write down 4 as next digit of of the result. 
Result so far: 4
Subtract 20 from 20 to get 0.
Bring next digit (9) of the dividend behind the 0 and repeat the process: 9 / 5

Step 3:
5 goes into 9 1 times with a remainder of 4.
Write down 1 as next digit of of the result. 
Result so far: 41
Subtract 5 from 9 to get 4.
Bring next digit (7) of the dividend behind the 4 and repeat the process: 47 / 5

Step 4:
5 goes into 47 9 times with a remainder of 2.
Write down 9 as next digit of of the result. 
Result so far: 419
Subtract 45 from 47 to get 2.
Bring next digit (2) of the dividend behind the 2 and repeat the process: 22 / 5

Step 5:
5 goes into 22 4 times with a remainder of 2.
Write down 4 as next digit of of the result. 
Result so far: 4194
Subtract 20 from 22 to get 2.

The final result is 4194 with a remainder of 2.