Barclays Global Financial Services Conference September 13, 2021 The Huntington National Bank is Member FDIC. ®, Huntington® and Huntington. Welcome.® are federally registered service marks of Huntington Bancshares Incorporated. ©2021 Huntington Bancshares Incorporated. Disclaimer 2 CAUTION REGARDING FORWARD-LOOKING STATEMENTS This communication may contain certain forward-looking statements, including, but not limited to, certain plans, expectations, goals, projections, and statements that are not historic ...

Table of Contents 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 June 30, 2021 Huntington Bancshares Incorporated (Exact name of registrant as specified in its charter) Maryland 1-34073 31-0724920 (State or other jurisdiction of incorporation or organization) (Commission File Number) (I.R.S. Employer Identification No.) Registrant's address: 41 South Hig ...

2021 Second Quarter Earnings Review July 29, 2021 The Huntington National Bank is Member FDIC. ®, Huntington® and Huntington. Welcome.® are federally registered service marks of Huntington Bancshares Incorporated. ©2021 Huntington Bancshares Incorporated. Disclaimer 2 CAUTION REGARDING FORWARD-LOOKING STATEMENTS This communication may contain certain forward-looking statements, including, but not limited to, certain plans, expectations, goals, projections, and statements that are not historical facts. Such ...

Huntington Bancshares Incorporated (NASDAQ:HBAN) Q2 2021 Earnings Conference Call July 29, 2021 8:30 AM ET Company Participants Mark Muth - Director, IR Steve Steinour - Chairman, President and CEO Zach Wasserman - CFO Derek Meyer - EVP and Corporate Treasurer Conference Call Participants Scott Sievers - Piper Sandler Ken Zerbe - Morgan Stanley Steven Alexopoulos - JPMorgan Ebrahim Poonawala - Bank of America Brian Cohen - Autonomous David Konrad - KBW Jon Arfstrom - RBC Capital Markets Ken Usdin - Jefferie ...

Table of Contents 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, 2021 Huntington Bancshares Incorporated (Exact name of registrant as specified in its charter) Maryland 1-34073 31-0724920 (State or other jurisdiction of incorporation or organization) (Commission File Number) (I.R.S. Employer Identification No.) Registrant's address: 41 South Hi ...

Huntington Bancshares Incorporated (NASDAQ:HBAN) Q1 2021 Earnings Conference Call April 22, 2021 8:30 AM ET Company Participants Mark Muth – Director-Investor Relations Steve Steinour – Chairman, President and Chief Executive Officer Zach Wasserman – Chief Financial Officer Derek Meyer – Executive Vice President and Corporate Treasurer Conference Call Participants Ken Zerbe – Morgan Stanley Matt O’Connor – Deutsche Bank Ken Usdin – Jefferies Scott Siefers – Piper Sandler Peter Winter – Wedbush Securities Bi ...

2021 First Quarter Earnings Review April 22, 2021 The Huntington National Bank is Member FDIC. ®, Huntington® and Huntington. Welcome.® are federally registered service marks of Huntington Bancshares Incorporated. ©2021 Huntington Bancshares Incorporated. Disclaimer CAUTION REGARDING FORWARD‐LOOKING STATEMENTS This communication may contain certain forward‐looking statements, including, but not limited to, certain plans, expectations, goals, projections, and statements about the benefits of the proposed tra ...

Employee and Operational Metrics - The company has 15,578 average full-time equivalent employees and operates over 828 branches across multiple states[17] - The company reported a 23% reduction in full-year turnover compared to 2019, indicating improved employee retention strategies[41] - The company emphasizes diversity, with 45% of its middle, senior, and executive management levels being diverse, and 65% of student internships filled by diverse candidates[43] - The company has implemented significant changes in response to the COVID-19 pandemic, including remote work options and additional safety measures for on-site employees[40] Community Investment and Banking Philosophy - The company announced a five-year, $20 billion Community Plan, which includes a $7.6 billion commitment to small businesses, a $7.5 billion commitment for first-time home buyers, and a $4.9 billion commitment to affordable housing and community investment[32] - The company aims to differentiate itself through a "Fair Play" banking philosophy, focusing on customer advocacy and building strong relationships[19] Banking Segments and Services - The Consumer and Business Banking segment offers a wide array of financial products, including checking accounts, savings accounts, consumer loans, and mortgages, with a focus on customer-friendly services[19] - The Business Banking segment targets companies with annual revenues up to $20 million, developing tailored products and services to meet their financing needs[20] - The Commercial Banking segment serves middle market and large corporate clients, focusing on relationship banking and providing customized solutions[23] - The Capital Markets Group offers risk management services, institutional sales, trading, and underwriting, catering to larger companies with revenues exceeding $500 million[25] Market Position and Competition - As of June 30, 2020, Huntington holds the top market share in Columbus, OH with deposits of $28,347 million, representing 34% of the market[48] - In Akron, OH, Huntington also ranks first with deposits of $4,875 million, accounting for 29% of the market[48] - The company is exposed to competition from larger financial institutions and non-bank competitors, which may affect its ability to attract and retain customers[175] - Regulatory changes could lead to increased competition in the financial services sector, impacting the company's market position and profitability[177] Regulatory Environment and Compliance - The company is subject to extensive regulation and supervision by various federal and state regulators, including the Federal Reserve and OCC[51] - The Economic Growth Act and Tailoring Rules have resulted in less restrictive regulatory requirements for Huntington, allowing for more operational flexibility[54] - The company must submit a capital plan every other year for supervisory review as part of the CCAR process, assessing expected uses and sources of capital[88] - The Anti-Money Laundering Act of 2020 may alter due diligence and reporting requirements, potentially increasing compliance costs[118] - The CCPA, effective January 1, 2020, grants consumers rights regarding their personal information, impacting operational practices[121] - The FDIC has established an initial compliance date of April 1, 2020, for large institutions to enhance deposit account recordkeeping[124] - Compliance with laws and regulations has increased costs and may limit business opportunities, with potential fines and penalties for non-compliance[215] - Legislative and regulatory actions may materially adversely affect the company by increasing costs and complicating business processes[216] Financial Performance and Capital Management - Huntington's capital ratios are subject to U.S. Basel III capital rules, which include CET1, Tier 1, and Total Risk-Based Capital Ratios[73] - As of December 31, 2020, Huntington's CET1 risk-based capital ratio was 10.00%, exceeding the minimum regulatory requirement of 4.50% and the well-capitalized standard of 6.50%[81] - The Tier 1 risk-based capital ratio for Huntington was 12.47%, significantly above the minimum requirement of 6.00% and the well-capitalized standard of 8.00%[81] - The total risk-based capital ratio for Huntington was 14.46%, well above the minimum requirement of 8.00% and the well-capitalized standard of 10.00%[81] - Huntington maintained a Capital Conservation Buffer of 2.5% as of December 31, 2020, which is required to avoid restrictions on capital distributions[79] - The Federal Reserve's stress capital buffer requirement for Huntington is also set at 2.5% as of December 31, 2020[93] - Huntington is subject to enhanced prudential standards due to its consolidated assets exceeding $100 billion, which includes stricter capital and liquidity requirements[85] - Huntington's ability to pay dividends is contingent upon receiving dividends from its subsidiaries and meeting regulatory capital requirements[95] Risk Management and Operational Challenges - The COVID-19 pandemic has adversely affected the Bank's business, financial condition, liquidity, and results of operations, leading to increased credit losses and potential goodwill impairment[157] - The Bank's operational risks have heightened due to increased remote work, leading to greater cybersecurity vulnerabilities[159] - The Bank's operational and security systems are at risk of failure or breaches, which could disrupt business and adversely affect financial condition[150] - The company faces significant operational risks, including potential fraud, unauthorized transactions, and system failures, which could lead to financial loss and litigation[201] - Cybersecurity risks have increased due to the sophistication of cyber-attacks, which may result in unauthorized access to confidential information and significant legal and financial exposure[191] - The company may not have adequate insurance coverage to compensate for losses resulting from cybersecurity events, potentially impacting financial condition[197] - The integration of acquired businesses poses risks, including the potential loss of customer relationships and the need for regulatory approvals, which may delay or complicate acquisitions[203] Goodwill and Impairment - The book value of goodwill for Huntington Bancshares was $2.0 billion as of December 31, 2020, primarily recorded at the Bank[214] - The company is required to test goodwill for impairment at least annually, which could negatively impact earnings and restrict dividend payments if impairment is determined[214] - Impairment of goodwill could limit the Bank's ability to pay dividends to Huntington, affecting liquidity and financial stability[214] Vendor and Third-Party Risks - The company has implemented a vendor management program to mitigate risks associated with third-party service providers, which could impact product delivery and business operations[211] - The company is accountable for ensuring adequate controls are in place to protect against risks associated with vendor relationships[210] - The company is exposed to risks from third-party vendors, which could lead to significant operational disruptions if their systems are compromised[194]

Huntington Bancshares Incorporated (NASDAQ:HBAN) Q4 2020 Earnings Conference Call January 22, 2021 8:30 AM ET Company Participants Mark Muth - Director of IR Steve Steinour - Chairman, President and Chief Executive Officer Zach Wasserman - Senior Executive Vice President, Chief Financial Officer Rich Pohle - Executive Vice President, Chief Credit Officer Conference Call Participants Ken Zerbe - Morgan Stanley John Pancari - Evercore ISI Scott Siefers - Piper Sandler Steven Alexopoulos - JPMorgan Erika Najar ...

2020 Fourth Quarter Earnings Review January 22, 2021 The Huntington National Bank is Member FDIC. ®, Huntington® and Huntington. Welcome.® are federally registered service marks of Huntington Bancshares Incorporated. ©2021 Huntington Bancshares Incorporated. Disclaimer CAUTION REGARDING FORWARD‐LOOKING STATEMENTS This communication may contain certain forward‐looking statements, including, but not limited to, certain plans, expectations, goals, projections, and statements about the benefits of the proposed ...