Maintaining focus on core strategies and poised to deliver earnings growth throughout 2024 and expand further into 2025 5 4 2023 Review | Performing Through a Dynamic Environment Loan Growth YoY (EOP) Deposit Growth YoY (EOP) Revenue FY23 $2.5B $3.3B $7.4B +2.2% +1.6% +2.1% Consumer +2.2% Net Interest Income +3.3% Core Deposits +2.3% Commercial +1.9% Awarded Expertise #1 Customer Satisfaction - J.D. Power(1) #1 Mobile App - J.D. Power(1) #1 SBA Lender Nationally - 6 years in a row(2) Maintained new customer ...

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 September 30, 2023 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 ...

Okay. Great. And then last thing, Zach, just looking at what you moved around a little bit on the swaps portfolios. Can you just kind of walk us through some of your decision trees with regards to this quarter's terminations and locking in here and any anticipated future activity you're thinking about in terms of just the book as it stands going forward? Thank you. In the meantime, it's more of an optimization effort, I would say. You saw us exit some received fixed swaps in Q3. This was mainly a shorter du ...

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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, 2023 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 or ...

See notes on slide 57 0.25 Fed Funds Target Rate HBAN Cost of Total Deposits 2023 Second Quarter Earnings Review | --- | --- | --- | --- | --- | --- | --- | |----------------------------|--------------------|-------|-------------------------|-------|----------------------------------------------|-------------------| | | Average Securities | | $47.8 $47.5 $47.3 $49.6 | Cash | | EOP \n$54.4 $52.0 | | | $42.6 $42.6 | | $41.1 | | $5.2 $4.9 $6.3 $7.7 $12.7 $11.1 $41.9 $41.7 | $40.9 | | | | | | | | | | | 2Q22 | 3 ...

Conference Call Participants Tim Sedabres Steve Steinour Credit quality remains strong with net charge-offs of 16 basis points and allowance for credit losses of 1.93%. As Steve mentioned, capital increased from the prior quarter. This solid capital position, coupled with our robust credit reserves, puts our CET1 plus ACL loss-absorbing capacity in the top quartile of the peer group. On the subsequent slide, you will see that positive impact during the second quarter on our fee revenues. We also remain focu ...

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, 2023 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 o ...

Ken Usdin Sure. I'll just tack on to that. Just I second the comment that the first feel great about the trajectory of the portfolio and we still see sustained demand and great relationships by the way, by a dealer. So I think we're a core and integral funding partner for our dealers, which really gives us great access. Thank you. Erika Najarian Yeah, absolutely. And just as a follow-up to that, Zach, heard you loud and clear in terms of continuing to optimize the right-hand side of your balance sheet. As y ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 _________________________________________________________________________________________________________________________________________________________________________ FORM 10-K _________________________________________________________________________________________________________________________________________________________________________ ☒ Annual Report Pursuant to Section 13 or 15(d) of the Securities Exchan ...