Interprétation IA fondée sur des extraits vérifiés. Les déclarations de l’entreprise et les limites de couverture restent explicites.
Preuves
During 2025, we delivered 11 percent revenue growth and generated approximately $10 billion of organic loan growth during the year, exceeding the loan growth added through combinations, along with approximately $5 billion of core deposit growth, driven by expanding primary bank relationships.
Board leadership letter / 2025 organic loan and core-deposit growth · Dépôt 12/03/2026
2) Growth rates exclude impact of acquisitions (CADE, Veritex, and Janney) and impact of less revenue contribution due to the sale of a portion of our corporate trust business 3) Compound annual growth rate LTM 2Q26 vs LTM 2Q24 4) Compound annual growth rate as 2Q26 vs 2Q24 $602 $640 $735 $343 $389 $460 $250 $349 $467 $320 $355 $447 $357 $314 $568 LTM 2Q24 LTM 2Q25 LTM 2Q26 Noninterest Income $2,047 $2,677 $1,872 - 30% CAGR 3 - 70%+ syndications growth in each of the past 3 years - 20%+ growth in advisory fees YoY - 10% CAGR 3 - 37% AUM CAGR 4 - 10% Household CAGR 4 Wealth - 9% CAGR 3 - 15% Commercial Payments CAGR 2 - Approximately doubled Merchant Acquiring revenues Payments Customer Deposit & Loan Fees Wealth & Asset Management Capital Markets & Advisory All Other 1 Payments & Cash Management Total Noninterest Income Expanding Value-Added Services through targeted investments • Building Capital Markets capabilities across: - Advisory - DCM, ECM - Financial sponsor coverage - Syndicated & leveraged finance • Scaling Wealth and Private Banking capabilities: - Modernizing Wealth platform through strategic partnerships - Penetrating Regional and Commercial business ownership • Expanding Payments : - Brought merchant acquiring in-house - Enhanced corporate TM capabilities Capital Markets Payments Organic Performance 2
Barclays presentation slide 7 / organic fee-business performance · Dépôt 16/09/2026
Abundant Green RGB: 126, 207, 28 HEX: #7ECF1C Primary Palette Legacy Energy Green RGB: 45, 130, 42 HEX: #2D822A Capstone Partners Only Pastel Sage RGB: 133, 154, 153 HEX: #859A99 Medium Grey RGB: 166, 183, 183 HEX: #A6B7B7 Medium Sage RGB: 66, 100, 97 HEX: #426461 Prosperous Sage RGB: 0, 45, 42 HEX: #002D2A Highlight Teal RGB: 58, 204, 223 HEX: #3ACCDF Deep Teal RGB: 13, 164, 187 HEX: #0DA4BB Capstone Blue RGB: 4, 30, 66 HEX: #041E42 Extended Palette Off - White RGB: 245, 245, 245 HEX: #7ECF1C Light Grey RGB: 200, 210, 210 HEX: #C8D2D2 Light Sage RGB: 99, 127, 125 HEX: #637F7D Deep Sage RGB: 33, 72, 70 HEX: #214846 Highlight Green RGB: 177, 238, 44 HEX: #B1EE2C Light Teal RGB: 121, 222, 226 HEX: #79DEE2 Light Magenta RGB: 221, 123, 223 HEX: #DD78DF Highlight Magenta RGB: 193, 22, 216 HEX: #C116D8 Deep Magenta RGB: 144, 5, 163 HEX: #9005A3 Dark Magenta RGB: 80, 16, 89 HEX: #501059 Pastel Grey RGB: 233, 236, 236 HEX: #E9ECEC Dark Teal RGB: 3, 79, 84 HEX: #034F54 4 How we win We build longstanding, deep and multi- dimensional customer relationships We serve the full breadth of our customers' needs over time, prioritizing durable relationships and long -term value creation over transactional opportunities We earn trust by being consistent and dependable through economic cycles A disciplined risk posture and long -term mindset lets us support customers through uncertainty and invest opportunistically We integrate expertise and innovative capabilities to make everyday banking simple We lead with advice and insight, connecting banking, lending, payments, wealth, insurance, and capital solutions to deliver holistic outcomes, not disconnected point products We deliver leading bank capabilities through local, empowered, and nationally integrated teams We operate at the point of the relationship with authority to integrate the full firm on behalf of customers, prioritizing responsiveness and care over centralized efficiency We compound value by reinvesting in what matters most to our customers Rigorous management turns strong performance into a virtuous cycle, reinvesting in capabilities, innovation, and service for better customer outcomes over time Focusing on being an indispensable partner for our customers through experiences and relationships to drive differentiation and expand customer base
Morgan Stanley presentation slide 4 / management relationship strategy · Dépôt 08/06/2026
Technology has lowered the barriers to entry, with customers having a growing variety of traditional and nontraditional alternatives, such as crowdfunding, digital wallets, cryptocurrencies, and money transfer services.
Strategic risks / technology lowering entry barriers · Dépôt 13/02/2026
Most Huntington contracts with customers are cancelable by either party without penalty or they are short-term in nature, with a contract duration of less than one year.
Note 15 / customer contract cancellation and duration · Dépôt 13/02/2026
Management Actions Year to Date Efficiencies as % of Baseline Operating Expenses In response to the evolving rate & competitive environment, we undertook these actions: • Optimized balance sheet – Loan Mix – Deposit Pricing • Accelerated fee - based businesses – Driving TM Penetration – Enhancing Capital Markets Offering • Increased expense reengineering actions 1 Two factors drove incremental pressure to loan growth and NII expectations • Lower than expected loan volume – Increased paydowns in CRE & Resi – Lower Auto production due to less attractive risk - adjusted returns • Incremental reductions to NIM – Sustained high short -term rates elevating deposit costs – Lower than expected yields in some loan categories Adopting more conservative FY27 EPS Outlook • Recalibrating loan growth expectations • Revising NIM projection lower • Managing expenses while maintaining appropriate level of growth - oriented investments Challenges Subsequent to 2Q Earnings Drivers of Revised Outlook
Barclays presentation slide 12 / realized competitive pressure and revised outlook · Dépôt 16/09/2026
CDI: Huntington recorded a CDI of $95 million as of the acquisition date, which represents the low cost of funding acquired core deposits provide relative to the Company’s marginal cost of funds.
Business combinations / acquired core-deposit funding benefit · Dépôt 13/02/2026
The fair value was estimated based on a discounted cash flow methodology that gave appropriate consideration to expected customer attrition rates, net maintenance cost of the deposit base, alternative cost of funds, and the interest costs associated with customer deposits.
Business combinations / core-deposit valuation assumptions · Dépôt 13/02/2026
Abundant Green RGB: 126, 207, 28 HEX: #7ECF1C Primary Palette Legacy Energy Green RGB: 45, 130, 42 HEX: #2D822A Capstone Partners Only Pastel Sage RGB: 133, 154, 153 HEX: #859A99 Medium Grey RGB: 166, 183, 183 HEX: #A6B7B7 Medium Sage RGB: 66, 100, 97 HEX: #426461 Prosperous Sage RGB: 0, 45, 42 HEX: #002D2A Highlight Teal RGB: 58, 204, 223 HEX: #3ACCDF Deep Teal RGB: 13, 164, 187 HEX: #0DA4BB Capstone Blue RGB: 4, 30, 66 HEX: #041E42 Extended Palette Off - White RGB: 245, 245, 245 HEX: #7ECF1C Light Grey RGB: 200, 210, 210 HEX: #C8D2D2 Light Sage RGB: 99, 127, 125 HEX: #637F7D Deep Sage RGB: 33, 72, 70 HEX: #214846 Highlight Green RGB: 177, 238, 44 HEX: #B1EE2C Light Teal RGB: 121, 222, 226 HEX: #79DEE2 Light Magenta RGB: 221, 123, 223 HEX: #DD78DF Highlight Magenta RGB: 193, 22, 216 HEX: #C116D8 Deep Magenta RGB: 144, 5, 163 HEX: #9005A3 Dark Magenta RGB: 80, 16, 89 HEX: #501059 Pastel Grey RGB: 233, 236, 236 HEX: #E9ECEC Dark Teal RGB: 3, 79, 84 HEX: #034F54 2026 Barclays Conference Execution Remains Strong as the Operating Environment Has Evolved 9 FY2026 Expectations as of January Current FY2026 Outlook Balance Sheet Growth • 36-37% Loan Growth • 33-34% Deposit Growth Balance Sheet Growth On -Track ✓ ~36% Loan Growth ✓ ~33% Deposit Growth Strong Fee Income Growth • 26.5-29.5% YoY Growth Accelerating Fee Income Growth ✓ ~32% YoY growth Powerful Synergies • $435M in Run -rate Expense Synergies by 4Q26 • $50 -$75M in Revenue Synergies in 2026 Partner Synergies at or Above Goal ✓ Expense synergies fully delivered ✓ Expect $75M+ FY26 revenue synergies Significant NIM Expansion • Supportive yield curve • Stable competitive conditions • Cadence deposit cost optimization opportunity Moderating NIM Expansion Higher short -term rates Elevated loan and deposit pricing competition ✓ Executing Cadence deposit cost optimization
Barclays presentation slide 9 / reported delivered expense synergies and pricing competition · Dépôt 16/09/2026
5.53
5.41
5.31
10.09
9.88
10.11
10.82
10.88
5.65
5.59
5.54
5.57
5.49
Total loans and leases
5.84
5.82
5.84
5.96
5.91
Total earning assets
5.28
5.27
5.25
5.39
5.40
Liabilities
Interest-bearing deposits:
Demand deposits - interest-bearing
1.83
1.88
1.91
2.02
2.00
Money market deposits
2.62
2.41
2.66
2.99
3.05
Savings deposits
0.83
0.68
Time deposits
3.46
3.50
3.69
3.60
3.74
Total interest-bearing deposits
2.29
2.21
2.28
2.43
2.46
Short-term borrowings
3.65
3.83
4.45
3.90
4.37
Long-term debt
5.06
5.09
5.61
5.75
5.69
Total interest-bearing liabilities
2.59
2.53
2.65
2.81
2.85
Net interest rate spread
2.69
2.74
2.60
2.58
2.55
Impact of noninterest-bearing funds on margin
0.52
0.50
0.55
0.55
0.56
Net interest margin
3.21
3.24
3.15
3.13
3.11
Additional information:
Commercial Loan Derivative Impact
Commercial loans (2) (3)
6.02
6.04
6.23
6.50
6.49
Impact of commercial loan derivatives
(0.06)
(0.25)
(0.27)
Total commercial - as reported
5.96
5.96
6.05
6.25
6.22
Average SOFR
3.62
3.66
4.00
4.33
4.32
Total cost of deposits (4)
1.88
1.82
1.88
2.00
2.02
(1)Calculated on a fully-taxable equivalent (FTE) basis, which represents a non-GAAP measure, assuming a 21% tax rate.
Quarterly yields and rates / deposit costs, loan yields and net interest margin · Dépôt 23/07/2026
FICO Originations Total Auto Loans Bank competitors ramping auto production, compressing spreads $24.3 $23.5 12.9% 12.4% 1Q26 2Q26 4Q26E CRE Loans CRE as % of Total Loans Bank and private credit competitors leaning into CRE, accelerating run -off Auto Balances ($) and Avg.
Barclays presentation slide 11 / auto spread compression and CRE runoff · Dépôt 16/09/2026
Many of our nonfinancial institution competitors have fewer regulatory constraints, broader geographic service areas, access to a larger pool of capital to deploy, and, in some cases, lower cost structures.
Competition / nonfinancial competitors' potential cost and regulatory advantages · Dépôt 13/02/2026
Noninterest expense for the second quarter of 2026 and for the first six- month period of 2026 included $152 million and $415 million, respectively, of acquisition-related expenses, as detailed in the following table.
Noninterest expense / acquisition-related expenses · Dépôt 28/07/2026
FTE revenue less gains (losses) on sales of securities (non-GAAP)
2,855
2,579
2,012
5,434
3,947
Efficiency Ratio (2)
61.5
67.2
59.0
64.2
58.9
(1)Calculated on an FTE basis, which represents a non-GAAP measure, assuming a 21% tax rate.
Efficiency ratio reconciliation / quarterly and year-to-date performance · Dépôt 23/07/2026
At December 31, (dollar amounts in millions) 2025 2024 Contract amount representing credit risk Commitments to extend credit: Commercial and industrial $ 47,736 $ 37,422 Consumer loan portfolio 21,659 19,993 Commercial real estate 4,036 2,089 Standby letters of credit and guarantees on industrial revenue bonds 895 725 168 Huntington Bancshares Incorporated Table of Contents Commitments to extend credit generally have fixed expiration dates, are variable-rate, and contain clauses that permit Huntington to terminate or otherwise renegotiate the contracts in the event of a significant deterioration in the customer’s credit quality.
Note 22 / credit commitment terms and renegotiation rights · Dépôt 13/02/2026
These arrangements normally require the payment of a fee by the customer, the pricing of which is based on prevailing market conditions, credit quality, probability of funding, and other relevant factors.
Note 22 / market-based commitment fee pricing · Dépôt 13/02/2026
2026 Proxy Statement | 78 Table of Contents What We Do What We Don’t Do • Significant stock ownership policy applicable to executive officers and next level executives receiving equity awards to reinforce alignment between shareholders and senior management • Significant emphasis on performance-based compensation, with the majority dependent upon long-term performance • Balanced portfolio of metrics that drive annual and long-term goals in a risk appropriate manner • All incentive compensation, including vested and paid compensation, is subject to robust recoupment policies that allow us to recover certain vested or unvested incentive compensation in the event of inappropriate risk taking or a financial restatement • PSUs comprise 60% of total annual LTI grant value for CEO and 55% for other NEOs for 2025 • Annual equity-based awards made on a pre-established date to avoid any appearance of coordination with the release of material non-public information • Independent compensation consultant provides expert guidance and support to the HRCC • Shareholder engagement to exchange viewpoints with our investors • Annual assessment of compensation programs to compare them to those of our peers and market best practices • Limited perquisites representing a small component of compensation • Annual risk assessment of incentive compensation plans • No repricing of previously-granted stock options without shareholder approval • No perquisite or excise tax gross-ups upon change in control • No single-trigger vesting of equity awards upon change in control • No hedging or pledging of Huntington securities by executives or Directors • No dividend or dividend equivalents paid on equity grants prior to vesting • No incentive plans encourage excessive risk-taking Compensation of Executive Officers: Key Compensation and Governance Practices Key Compensation and Governance Practices The foundation of our executive compensation program is a philosophy of maintaining responsible governance and practices that align the interests of our executives with those of our shareholders.
Proxy statement page 78 / adopted compensation and governance practices · Dépôt 12/03/2026
Adjustments for Extraordinary Events In determining whether a performance goal has been met, the HRCC may include or exclude “Extraordinary Events,” as defined in the MIP, or any other objective events or occurrences, in either establishing the performance goal based on the qualifying performance criteria or in determining whether the performance goal has been achieved; provided, however, that the HRCC retains the discretion to adjust awards upward or downward based on the HRCC’s evaluation of such events or other factors.
Compensation discussion / discretion over extraordinary-event adjustments · Dépôt 12/03/2026
Recently Completed PSU Performance Cycles
2022 – 2024 Cycle
In April 2025, the HRCC determined the final award values for the PSU awards granted in 2022, which had a three-year performance cycle that ended on December 31, 2024.
Completed PSU cycles / April 2025 award determination · Dépôt 12/03/2026
These awards were settled in shares of Huntington stock.
Completed PSU cycles / settlement in shares · Dépôt 12/03/2026
At the end of 2025, our Board consisted of 12 directors, comprised of our Chairman/President/CEO of Huntington Bancshares Incorporated and President/CEO of Huntington National Bank, our Huntington National Bank Chairman, and 10 independent directors.
Board composition / year-end 2025 independence · Dépôt 13/02/2026
Our Board has unfettered access to senior executive officers, and the Board and committees regularly meet in executive session without management present.
Board oversight / executive sessions without management · Dépôt 13/02/2026
In carrying out its duties, the Audit Committee has reviewed and discussed the audited consolidated financial statements for the year ended December 31, 2025, with Huntington management and with Huntington’s independent registered public accounting firm, PwC.
Audit Committee report / actual review of audited 2025 statements · Dépôt 12/03/2026
Our consolidated CET1 risk-based capital ratio was 10.0% at June 30, 2026,
Capital / consolidated CET1 at June 30, 2026 · Dépôt 28/07/2026
December 31, 2025. The level of brokered deposits was below our established liquidity risk metric limits at June 30,
Tier 1 risk-based capital ratio
12.0
12.4
Total risk-based capital ratio
13.8
14.0
Tier 1 leverage ratio
9.3
9.6
CET1 risk-based capital
$25,197
$19,426
Tier 1 risk-based capital
25,622
20,626
Total risk-based capital
29,502
23,165
Total risk-weighted assets
213,211
165,701
At June 30, 2026, Huntington and the Bank maintained capital ratios in excess of the well-capitalized standards
Liquidity and capital / brokered deposits and capital above well-capitalized standards · Dépôt 28/07/2026
The Federal Reserve informed Huntington that, effective October 1, 2025, its SCB requirement associated with its 2025 Capital Plan is the prescribed minimum SCB of 2.5%, the same SCB requirement Huntington received in 2024.
Regulatory matters / stress capital buffer effective October 1, 2025 · Dépôt 13/02/2026
Table 19 - Deposit Composition (dollar amounts in millions) At June 30, 2026 At December 31, 2025 By type: Demand deposits—noninterest-bearing $40,129 18% $32,205 18% Demand deposits—interest-bearing 62,395 28 48,510 27 Money market deposits 75,717 34 65,123 37 Savings deposits 18,820 9 15,426 9 Time deposits 25,405 11 15,346 9 Total deposits $222,466 100% $176,610 100% Total deposits (insured/uninsured): Insured deposits $153,290 69% $123,744 70% Uninsured deposits (1) 69,176 31 52,866 30 Total deposits $222,466 100% $176,610 100% (1)Represents consolidated Huntington uninsured deposits, determined by adjusting the amounts reported in the Bank Call Report (FFIEC 031) by inter- company deposits, which are not customer deposits and are therefore eliminated through consolidation.
Table 19 / deposit composition and insured funding · Dépôt 28/07/2026
Our wholesale funding totaled $27.6 billion at June 30, 2026, an increase of $3.2 billion compared to $24.4 billion at December 31, 2025.
Liquidity risk / wholesale funding · Dépôt 28/07/2026
We maintain a portfolio of highly rated, marketable securities that is available as a source of liquidity.
Liquidity risk / marketable securities available for liquidity · Dépôt 13/02/2026
Credit Quality
Table 11 – Credit Quality Metrics
2026
2025
($ in millions)
June 30,
March 31,
December 31,
September 30,
June 30,
Total nonaccrual loans and leases
$
1,589
$
1,332
$
931
$
808
$
842
Total other real estate, net
23
22
13
10
10
Other NPAs (1)
—
3
1
3
—
Total nonperforming assets
1,612
1,357
945
821
852
Accruing loans and leases past due 90+ days
443
421
282
234
241
NPAs + accruing loans & leases past due 90+ days
$
2,055
$
1,778
$
1,227
$
1,055
$
1,093
NAL ratio (2)
0.84
%
0.71
%
0.62
%
0.59
%
0.62
%
NPA ratio (3)
0.85
0.72
0.63
0.60
0.63
(NPAs+90 days)/(Loans+OREO)
1.08
0.94
0.82
0.76
0.81
Provision for credit losses
$
132
$
158
$
123
$
122
$
103
Net charge-offs
119
111
89
75
66
Net charge-offs / Average total loans and leases
0.25
%
0.26
%
0.24
%
0.22
%
0.20
%
Allowance for loans and lease losses (ALLL)
$
3,249
$
3,243
$
2,537
$
2,374
$
2,331
Allowance for unfunded lending commitments
132
125
206
188
184
Allowance for credit losses (ACL)
$
3,381
$
3,368
$
2,743
$
2,562
$
2,515
ALLL as a % of:
Total loans and leases
1.72
%
1.72
%
1.70
%
1.72
%
1.73
%
NALs
204
243
272
294
277
NPAs
202
239
269
289
274
ACL as a % of:
Total loans and leases
1.78
%
1.78
%
1.83
%
1.86
%
1.86
%
NALs
213
253
295
317
299
NPAs
210
248
290
312
295
(1)Other nonperforming assets include certain impaired securities and/or nonaccrual loans held-for-sale.
Table 11 / credit quality, charge-offs and allowance coverage · Dépôt 23/07/2026
Quarterly Nonaccrual Loans and Leases (NALs) and Nonperforming Assets (NPAs) (1)
(Unaudited)
June 30,
March 31,
December 31,
September 30,
June 30,
(dollar amounts in millions)
2026
2026
2025
2025
2025
Nonaccrual loans and leases (NALs):
Commercial and industrial
$
986
$
824
$
562
$
455
$
489
Commercial real estate
243
188
133
131
138
Lease financing
8
9
8
10
10
Residential mortgage
223
185
107
97
93
Automobile
7
6
6
6
5
Home equity
120
117
113
108
105
RV and marine
2
2
2
1
2
Other consumer
—
1
—
—
—
Total nonaccrual loans and leases
1,589
1,332
931
808
842
Other real estate, net
23
22
13
10
10
Other NPAs (1)
—
3
1
3
—
Total nonperforming assets
$
1,612
$
1,357
$
945
$
821
$
852
Nonaccrual loans and leases as a % of total loans and leases
0.84
%
0.71
%
0.62
%
0.59
%
0.62
%
NPA ratio (2)
0.85
0.72
0.63
0.60
0.63
(NPA+90days)/(Loan+OREO) (3)
1.08
0.94
0.82
0.76
0.81
Three Months Ended
June 30,
March 31,
December 31,
September 30,
June 30,
(dollar amounts in millions)
2026
2026
2025
2025
2025
Nonperforming assets, beginning of period
$
1,357
$
945
$
821
$
852
$
804
Acquired nonperforming assets
—
295
81
—
—
New nonperforming assets
737
403
300
252
343
Returns to accruing status
(36)
(52)
(22)
(25)
(27)
Charge-offs
(122)
(121)
(75)
(62)
(57)
Payments
(306)
(108)
(141)
(167)
(203)
Sales
(18)
(5)
(19)
(29)
(8)
Nonperforming assets, end of period
$
1,612
$
1,357
$
945
$
821
$
852
(1)Other nonperforming assets include certain impaired securities and/or nonaccrual loans held-for-sale.
Quarterly nonperforming assets / acquired and newly formed NPAs · Dépôt 23/07/2026
(in millions, except per share data)
Second
First
Fourth
Third
Second
Quarter
Quarter
Quarter
Quarter
Quarter
Net income attributable to Huntington
727
523
519
629
536
Diluted earnings per common share
0.33
0.30
0.41
0.34
Return on average assets
1.02
0.93
1.19
1.04
Return on average common equity
9.3
7.2
8.9
12.4
11.0
Return on average tangible common equity
15.1
11.6
12.7
17.8
16.1
Net interest margin
3.21
3.24
3.15
3.13
3.11
Efficiency ratio
61.5
67.2
64.2
57.4
59.0
Tangible book value per common share
9.65
9.55
9.89
9.54
9.13
Cash dividends declared per common share
0.155
0.155
0.155
0.155
0.155
Average earning assets
258,600
238,973
202,511
192,732
191,092
Average loans and leases
189,255
174,216
146,607
135,944
133,171
Average total deposits
223,403
204,616
173,156
164,812
163,429
Tangible common equity / tangible assets ratio
7.1
7.0
7.1
6.8
6.6
Common equity Tier 1 risk-based capital ratio (1)
10.0
10.2
10.4
10.6
10.5
NCOs as a % of average loans and leases
Table 1 / earnings, returns, margins, dividends and capital · Dépôt 23/07/2026
Year-to-Date Key Statistics
Change
(dollar amounts in millions, except per share data)
Amount
Percent
Net interest income - FTE (1)
3,982
2,924
1,058
Net income attributable to Huntington
1,250
1,063
187
Dividends on preferred shares
Net income applicable to common shares
1,168
1,009
159
Net income per common share - diluted
Year-to-date statistics / attributable and common earnings · Dépôt 23/07/2026
0.68
(0.09)
(13)
Cash dividends declared per common share
0.31
0.31
Average common shares - basic
1,946
1,456
490
Average common shares - diluted
1,975
1,482
493
Return on average assets
0.92
1.04
Return on average common shareholders’ equity
8.3
11.1
Return on average tangible common shareholders’ equity (3)
13.4
16.4
Net interest margin (1)
3.23
3.11
Efficiency ratio (4)
64.2
58.9
Effective tax rate
18.1
16.8
Average total assets
273,387
206,477
66,910
Average earning assets
248,841
189,703
59,138
Average loans and leases
181,777
132,023
49,754
Average total deposits
214,061
162,519
51,542
Average Huntington shareholders’ equity
31,233
20,274
10,959
Average common shareholders' equity
28,370
18,285
10,085
Average tangible common shareholders' equity
18,718
12,657
6,061
NCOs as a % of average loans and leases
Year-to-date statistics / shares, returns and efficiency · Dépôt 23/07/2026
•Repurchased $159 million of common shares in the second quarter, and $309 million of common shares year-to-date, representing approximately 19 million shares repurchased year‑to‑date.
Capital highlights / completed common-share repurchases · Dépôt 23/07/2026
Common Equity Tier 1 (CET1) risk-based capital ratio was 10.0% at June 30, 2026, compared to 10.2% at March 31, 2026, with the decrease driven by higher risk-weighted assets and the impact of share repurchases being partially offset by an increase from current period earnings, net of dividends.
Capital / earnings, distributions and declining CET1 · Dépôt 23/07/2026
Servicing rights and other intangible assets
1,691
752
Other assets (1)
8,557
6,468
$283,984
$225,106
Deposits:
182,337
144,405
3,111
1,261
Long-term debt (1) (includes $1,250 and $1,161, respectively, measured at fair value)
18,738
17,221
Other liabilities (1)
7,004
5,635
251,319
200,727
Commitments and Contingent Liabilities (Note 17)
Shareholders’ equity
Preferred stock
2,881
2,731
Common stock
Capital surplus
25,150
17,244
Less treasury shares, at cost
(94)
(92)
Accumulated other comprehensive income (loss)
(2,213)
(1,908)
Retained earnings
6,880
6,351
32,624
24,342
32,665
24,379
$283,984
$225,106
Common shares authorized (par value of $0.01)
2,250,000,000
2,250,000,000
Common shares outstanding
2,020,414,826
1,567,732,506
Treasury shares outstanding
7,152,410
7,187,541
Preferred stock, authorized shares
6,617,808
6,617,808
Preferred shares outstanding
891,900
885,000
(1)Includes VIE balances in net loans and leases, other assets, long-term debt, and other liabilities of $493 million, $468 million, $428 million, and $134
Consolidated balance sheet / shares outstanding and equity · Dépôt 28/07/2026
Share-based compensation expense (1)
130
114
Tax benefit
(1)Compensation costs are included in personnel costs on the Consolidated Statements of Income.
Note 16 / reported share-based compensation expense · Dépôt 13/02/2026
Abundant Green RGB: 126, 207, 28 HEX: #7ECF1C Primary Palette Legacy Energy Green RGB: 45, 130, 42 HEX: #2D822A Capstone Partners Only Pastel Sage RGB: 133, 154, 153 HEX: #859A99 Medium Grey RGB: 166, 183, 183 HEX: #A6B7B7 Medium Sage RGB: 66, 100, 97 HEX: #426461 Prosperous Sage RGB: 0, 45, 42 HEX: #002D2A Highlight Teal RGB: 58, 204, 223 HEX: #3ACCDF Deep Teal RGB: 13, 164, 187 HEX: #0DA4BB Capstone Blue RGB: 4, 30, 66 HEX: #041E42 Extended Palette Off - White RGB: 245, 245, 245 HEX: #7ECF1C Light Grey RGB: 200, 210, 210 HEX: #C8D2D2 Light Sage RGB: 99, 127, 125 HEX: #637F7D Deep Sage RGB: 33, 72, 70 HEX: #214846 Highlight Green RGB: 177, 238, 44 HEX: #B1EE2C Light Teal RGB: 121, 222, 226 HEX: #79DEE2 Light Magenta RGB: 221, 123, 223 HEX: #DD78DF Highlight Magenta RGB: 193, 22, 216 HEX: #C116D8 Deep Magenta RGB: 144, 5, 163 HEX: #9005A3 Dark Magenta RGB: 80, 16, 89 HEX: #501059 Pastel Grey RGB: 233, 236, 236 HEX: #E9ECEC Dark Teal RGB: 3, 79, 84 HEX: #034F54 2026 Barclays Conference Non-GAAP Reconciliation Earnings Per Share (EPS), Tangible Book Value (TBV) 18 ($ in millions, except per share amounts) FY25 Earnings Per Share (GAAP), diluted $1.39 Add: Notable Items, after -tax $91 0.06 Adjusted Earnings Per Share (Non -GAAP) $1.45 TBV per Share ($ in millions) 4Q25 1Q26 2Q26 Huntington shareholders’ equity $24,342 $32,535 $32,624 Less: preferred stock 2,731 2,881 2,881 Common shareholders’ equity $21,611 $29,654 $29,743 Less: goodwill 5,997 9,527 9,527 Less: other intangible assets, net of tax 115 766 723 Tangible common equity A $15,499 $19,361 $19,493 Number of common shares outstanding B 1,568 2,027 2,020 Tangible book value per share A/B $9.89 $9.55 $9.65
Barclays presentation slide 18 / tangible book value per share reconciliation · Dépôt 16/09/2026
Following completion of the acquisitions, certain higher-cost Cadence and Veritex deposits were allowed to run-off in order to optimize Huntington's funding mix.
Funding discussion / deliberate runoff of higher-cost acquired deposits · Dépôt 23/07/2026
3) Source: SEC Filings & Factset ; Peers include: CFG, FITB, FHN, KEY, MTB, PNC, RF, TFC, USB, and ZION.
Barclays presentation slide 11 / named comparison peer cohort · Dépôt 16/09/2026
“We delivered these results while executing a very successful Cadence systems conversion in June, marking the last major milestone in the integration.
CEO commentary / reported June Cadence systems conversion · Dépôt 23/07/2026
As of December 31, 2025, Huntington’s and the Bank’s regulatory capital ratios were above the well-capitalized standards and met the applicable capital buffer requirements.
Note 23 / year-end regulatory capital and buffer compliance · Dépôt 13/02/2026
