Key Guiding Attributes 2025 Morgan Stanley US Financials Conference Welcome. The Huntington National Bank is Member FDIC. ®, Huntington® and Huntington. are federally registered service marks of Huntington Bancshares Incorporated. ©2025 Huntington Bancshares Incorporated. Disclaimer Our Vision People-First, Customer-Centered Key Messages Delivering on organic growth strategies with sustained momentum supported by purposefully diversified customer base 1 Driving robust profit growth reflective of expanded ne ...

Huntington Bancshares (HBAN) 2025 Conference June 11, 2025 08:15 AM ET Speaker0 Up next, we have Huntington Bank. I'll get our disclosures out of the way For important disclosures, please see the Morgan Stanley research disclosure website, morganstanley.com/researchdisclosures. The taking of photographs and use of recording devices is not allowed. If you have any questions, please reach out to your Morgan Stanley sales representative. And with that out of the way, we're delighted to have with us today Hunti ...

Key Takeaways HBAN is divesting its corporate trust and custody business to Argent Institutional Trust Company. The deal transfers client relationships, personnel, and infrastructure while preserving service continuity. Post-deal, AITC will continue providing trust services to HBAN's commercial banking clients.Shares of Huntington Bancshares (HBAN) gained 3.05% on Friday, following its decision to streamline operations by divesting the corporate trust and institutional custody business of its subsidiary, ...

TAMPA, Fla., June 6, 2025 /PRNewswire/ -- Argent Institutional Trust Company (AITC), a Tampa, Florida-based trust company and a leading provider of corporate and institutional trust services, today announced it has entered into a definitive agreement to acquire the corporate trust and institutional custody business of The Huntington National Bank ("Huntington"), a wholly owned banking subsidiary of Huntington Bancshares Incorporated (Nasdaq: HBAN).This strategic acquisition will significantly expand AITC's ...

Huntington Bancshares (HBAN) could be a solid addition to your portfolio given its recent upgrade to a Zacks Rank #2 (Buy). This upgrade is essentially a reflection of an upward trend in earnings estimates -- one of the most powerful forces impacting stock prices.A company's changing earnings picture is at the core of the Zacks rating. The system tracks the Zacks Consensus Estimate -- the consensus measure of EPS estimates from the sell-side analysts covering the stock -- for the current and following years ...

Huntington Bancshares Incorporated (HBAN) continues to extend its commercial banking business across the country by bringing its middle-market banking capabilities to Florida.The Florida expansion is the latest growth strategy for HBAN, which has expanded its middle-market banking presence into North Carolina, South Carolina and Texas over the last couple of years.Details of HBAN Commercial Banking ExpansionIn sync with its efforts to expand commercial banking in Florida, HBAN has hired middle-market banker ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2025 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Huntington Bancshares Incorporated (Exact name of registrant as specified in its charter) Maryland 1-34073 31-0724920 (State or other jurisdiction of incorporation or ...

Wasserstrom succeeds Timothy Sedabres, who has taken on a new role as Huntington's Head of Corporate and Strategic Finance. About Huntington COLUMBUS, Ohio, April 28, 2025 /PRNewswire/ -- The Huntington National Bank (Huntington) is pleased to announce Eric Wasserstrom has joined as Executive Vice President, Head of Investor Relations, effective April 28. Wasserstrom brings a wealth of knowledge and expertise, including more than two decades of experience in the financial services industry. He was most rece ...

Financial Data and Key Metrics Changes - The company reported earnings per common share of $0.34, with a Return on Tangible Common Equity (ROTCE) of 16.7% for the quarter [21] - Pre-Provision Net Revenue (PPNR) expanded by 24% year-over-year to $783 million, with adjusted PPNR rising 18% year-over-year [22] - Average loan balances grew by $2.7 billion, or 2.1% from the prior quarter, while average deposits increased by $2.2 billion, or 1.4% [22] - Reported Common Equity Tier 1 (CET1) ended the quarter at 10.6%, increasing approximately 40 basis points from last year [23] Business Line Data and Key Metrics Changes - Average loans grew by almost $9 billion year-over-year, with significant contributions from both core businesses and new initiatives [15] - Fee income increased over 6% year-over-year, led by payments, wealth management, and capital markets [16][32] - Commercial loans increased by $2.2 billion, or 3.1%, from the prior quarter, with year-over-year growth of 7.3% [24] Market Data and Key Metrics Changes - The company maintained disciplined deposit pricing while achieving deposit growth, with primary bank relationships growing by 3% in consumer and 4% in business banking [16] - The overall cost of deposits decreased by 13 basis points to 2.03%, outperforming expectations [26] - Non-interest income increased by 6% year-over-year, driven by solid growth in payments, wealth management, and capital markets [32] Company Strategy and Development Direction - The company is focused on driving long-term value creation through investments in fee revenue areas and branch expansion in North and South Carolina [18][19] - A $1 billion multi-year share repurchase authorization was approved, providing flexibility for capital deployment [19][37] - The company continues to execute its strategy of disciplined client selection and broad diversification in its loan portfolio [10][12] Management's Comments on Operating Environment and Future Outlook - Management acknowledged increased economic uncertainty but expressed confidence in the company's ability to outperform peers [8][39] - The company expects loan growth within the range of 5% to 7% for the year, with deposit growth projected at 3% to 5% [40][41] - Management emphasized a cautious approach to credit and risk management, maintaining a moderate to low risk appetite [102] Other Important Information - The company has a strong foundation of risk management, with net charge-offs at 26 basis points and an allowance for credit losses at 1.87% [23][38] - The company is actively managing its hedging program to protect net interest margin and capital from potential rate changes [30][142] Q&A Session Summary Question: Can you unpack the higher net interest margin? - The outperformance was primarily driven by deposit pricing, achieving a cumulative deposit beta of 37% in Q1 [56][57] Question: What is the thought process behind the $1 billion buyback authorization? - The company has a consistent approach to capital allocation, expecting to buy back shares modestly this year [60][63] Question: Can you provide color on deposit cost progress? - Success is attributed to a consistent down beta plan and effective execution, with a focus on reducing the mix of CDs and shortening their duration [70][71] Question: How did the quarter evolve in terms of economic conditions? - The company had a strong start to the quarter, with a good pipeline, although some activity was deferred due to economic concerns [86][88] Question: What is the sentiment from clients regarding the current economic environment? - There is a wide range of client sentiment, with some sectors feeling bullish while others face challenges due to tariffs [97][99] Question: What is the outlook for loan growth in the second half of the year? - The company is being cautious with its guidance but remains optimistic about maintaining strong loan growth [102][103] Question: How is the company managing risk in the current environment? - The company emphasizes broad-based portfolio management and proactive outreach to support customers facing challenges [110] Question: What is the outlook for non-interest income growth? - The company expects modest growth in non-interest income, with capital markets activities anticipated to perform well [112][114]

Huntington Bancshares Incorporated (HBAN) reported first-quarter 2025 adjusted earnings per share (EPS) of 34 cents, which surpassed the Zacks Consensus Estimate of 31 cents. In the prior-year quarter, the company reported EPS of 26 cents.Results have reflected improvements in fee income, net interest income (NII), and average loan and deposit balances. However, an increase in non-interest expenses was a headwind.The company reported a net income attributable to common shareholders (GAAP basis) of $527 mill ...