INVESTOR PRESENTATION Data as of or for the period ended September 30, 2025 unless otherwise noted z Forward-Looking Statements This presentation may contain forward-looking statements with respect to Fulton Financial Corporation's (the "Corporation" or "Fulton") financial condition, results of operations and business. Do not unduly rely on forward-looking statements. Forward-looking statements can be identified by the use of words such as "may," "should," "will," "could," "estimates," "predicts," "potentia ...

Core Insights - Huntington Bancshares Incorporated (HBAN) is a diversified regional bank holding company based in Columbus, Ohio, with a market cap of $25.1 billion, providing various banking services to both corporations and individuals [1] Financial Performance - Analysts anticipate HBAN will report an adjusted profit of $0.37 per share for Q3, reflecting a 12.1% increase from $0.33 per share in the same quarter last year [2] - For the full fiscal year 2025, HBAN is projected to achieve an adjusted EPS of $1.46, representing a 17.7% increase from $1.24 in 2024, with further growth expected in fiscal 2026 to $1.61 per share, a 10.3% year-over-year increase [3] Stock Performance - Over the past 52 weeks, Huntington's stock has increased by 21.5%, outperforming the S&P 500 Index's 17.8% rise and the Financial Select Sector SPDR Fund's 19.7% gains [4] Recent Earnings Insights - In Q2, HBAN reported a 3.2% year-over-year growth in total interest income to $2.6 billion, with net interest income rising 12.5% year-over-year to $1.4 billion, despite a 4.1% decline in non-interest income to $471 million [5][6] - The company's income before taxes grew modestly by 8.8% to $638 million, primarily due to a temporary drop in interest expenses [6] Analyst Sentiment - Analysts maintain a consensus "Strong Buy" rating for HBAN, with 16 out of 22 analysts recommending "Strong Buy," one "Moderate Buy," four "Holds," and one "Strong Sell," indicating a mean price target of $19.76, suggesting a 14.8% upside potential from current levels [7]

Core Points - First Horizon Corporation plans to announce its third quarter financial results on October 15, 2025, with a live conference call and webcast presentation scheduled for 9:30 am ET [1] - The company has $82.1 billion in assets as of June 30, 2025, and operates in 12 states in the southern U.S. [2] Financial Results Announcement - The financial results will be available at ir.firsthorizon.com at approximately 6:30 am ET/5:30 am CT on October 15, 2025 [1] - A live webcast will be accessible under Events and Presentations on the company's website [1] - Dial-in options for the conference call include 1-833-470-1428 for U.S. callers and 646-844-6383 for international callers, with an access code of 547397 [1] - A replay of the call will be available until midnight CT on October 29, with specific dial-in details provided for U.S. callers [1] Company Overview - First Horizon Corporation is a leading regional financial services company, providing a range of services including commercial, private banking, consumer, small business, wealth and trust management, retail brokerage, capital markets, fixed income, and mortgage banking [2] - The company has received recognition as one of the nation's best employers by Fortune and Forbes magazines and is listed as a Top 10 Most Reputable U.S. Bank [2]

Financial Performance - Operating net income available to common shareholders reached a record of $1006 million, or $055 per diluted share[9] - GAAP reported net income available to common shareholders was $966 million in 2Q25, compared to $904 million in 1Q25[7] - Return on Average Assets (annualized) increased from 118% in 1Q25 to 125% in 2Q25[7] - The efficiency ratio increased slightly from 567% to 571%[7] Income Statement - Net interest income increased by $3734 thousand from $251187 thousand in 1Q25 to $254921 thousand in 2Q25[10] - Non-interest income before investment securities gains (losses) increased by $1914 thousand from $67234 thousand to $69148 thousand[10] - Non-interest expense increased by $3351 thousand from $189460 thousand to $192811 thousand[10] Net Interest Margin and Cost of Funds - Net Interest Margin (NIM) was 347% in 2Q25, a 4 basis points increase compared to 1Q25[19] - Total cost of deposits decreased by 5 basis points to 198% in 2Q25[19] Loan and Deposit Portfolio - Office loans represent 3% of the total loan portfolio[49] - Multi-Family loans represent 8% of the total loan portfolio[55] - The average deposit account balance is $30099, with approximately 881632 deposit accounts[42] - Net estimated uninsured deposits represent 24% of total deposits[42, 61]