fact(5) = 5* fact(4) = 5 * (4 * fact(3))= 5 * 4 * (3 *fact(2))= 5 * 4 * 3 * 2 * (fact(1))
As we can see above, no fact(x) is repeated so factorial has non overlapping problems.
fib(5) = fib(4) + fib(3) = (fib(3)+fib(2)) + (fib(2)+fib(1))
As we can see above, fib(4) and fib(3) both use fib(2). similarly so many fib(x) gets repeated. that's why Fibonacci has overlapping sub-problems.