Huntington Bancshares Incorporated · NASDAQ:HBAN
Huntington Bancshares — 2023 Barclays Americas Select Franchise Conference
13 slides from Huntington Bancshares's conference presentation, May 8, 2023
Slide 1: 2023 Barclays Americas Select Franchise Conference
Welcome.® 2023 Barclays Americas Select Franchise Conference May 9, 2023 The Huntington National Bank is Member FDIC. ®, Huntington® and Huntington. Welcome.® are federally registered service marks of Huntington Bancshares Incorporated. ©2023 Huntington Bancshares Incorporated.
Slide 2: Disclaimer: Caution Regarding Forward-Looking Statements
2023 Barclays America Select Franchise Conference2023 Barclays Americas Disclaimer 2 CAUTION REGARDING FORWARD-LOOKING STATEMENTS The information contained or incorporated by reference in this presentation contains certain forward-looking statements, including, but not limited to, certain plans, exp
Slide 3: Huntington: A Purpose-Driven Company
2023 Barclays America Select Franchise Conference2023 Barclays Americas Huntington: A Purpose-Driven Company 3 OUR PURPOSE We make people’s lives better, help businesses thrive, and strengthen the communities we serve OUR VISION To be the leading People-First, Digitally Powered Bank Purpose and Visi
Slide 4: Key Messages
2023 Barclays America Select Franchise Conference2023 Barclays Americas Key Messages Disciplined execution of clearly defined strategy Operating from a position of strength Differentiated franchise with distinguished brand 3 2 1 4 Positioned for continued top quartile performance Dynamically managin
Slide 5: Leading Midwest Regional Bank with Scaled, National Businesses
2023 Barclays America Select Franchise Conference2023 Barclays Americas Leading Midwest Regional Bank with Scaled, National Businesses 5 44% 56% #1 SBA Lender Nationally (5 Years)2 #1 NPS8 Net Promoter Score Industry Leading Expertise Scale Across Diverse Set of Solutions Best Large Employers Forbes
Slide 6: Distinguished Brand a Key Source of Competitive Strength
2023 Barclays America Select Franchise Conference2023 Barclays Americas Distinguished Brand a Key Source of Competitive Strength 6 HBAN Bank 1 Bank 3 Bank 5 Bank 2 Bank 4 Bank 7 Bank 6 HBAN Bank 1 Bank 2 Bank 3 Bank 4 Bank 5 Bank 6 Bank 7 HBAN Bank 2 Bank 1 Bank 5 Bank 3 Bank 6 Bank 4 Bank 7 #1 Trus
Slide 7: Huntington – Operating from a Position of Strength
2023 Barclays America Select Franchise Conference2023 Barclays Americas Huntington – Operating from a Position of Strength 7 Disciplined Credit Robust Liquidity High Quality Deposit Base Strong Capital Core strategy acquiring and deepening primary bank relationships Diversified across industries
Slide 8: High Quality, Granular Deposit Franchise
2023 Barclays America Select Franchise Conference2023 Barclays Americas 69% 66% 66% 63% 62% 60% 59% 57% 57% 56% 56% 55% 55% 53% 52% 51% 48% 47% 42% 13% 12% 11% HBAN Bank 2 Bank 3 WFC BAC Bank 4 Bank 5 Bank 6 Bank 7 Bank 8 Bank 9 Bank 10 Bank 11 Bank 12 FRC Bank 13 Bank 14 Bank 15 JPM C SIVB SBNY Lea
Slide 9: Capital Positioning | Building Over the Year
2023 Barclays America Select Franchise Conference2023 Barclays Americas 7.2% 7.6% 2.2% 1.9% 9.4% 9.6% 9.2% 9.1% 9.3% 9.4% 9.6% 1Q22 2Q22 3Q22 4Q22 1Q23 2Q23 3Q23 4Q23 Target operating range 9 – 10% CET1 w/ AOCI Capital Positioning | Building Over the Year Common Equity Tier 1 (CET1) Ratio 9 Data sou
Slide 10: Strong Credit Quality Guided by Aggregate Moderate-to-Low Risk Appetite
2023 Barclays America Select Franchise Conference2023 Barclays Americas 15% 14% 13% 6%4% 19% 11% 9% 4% 6% Peer 1 Peer 2 HBAN Peer 3 Peer 4 Peer 5 Peer 6 Peer 7 Peer 8 Peer 9 Peer 10 Strong Credit Quality Guided by Aggregate Moderate-to-Low Risk Appetite 10 Top Quartile ACL 1Q23 1.90% Note: S&P Globa
Slide 11: Clearly Defined Strategy
2023 Barclays America Select Franchise Conference2023 Barclays Americas Scalable core infrastructure Award-winning digital capabilities AI and data analytics Clearly Defined Strategy 11 CommercialConsumer Differentiating customer experience, continuing Fair Play philosophy Acquiring and de
Slide 12: Dynamically Managing Through the Current Environment
2023 Barclays America Select Franchise Conference2023 Barclays Americas Dynamically Managing Through the Current Environment 12 Disciplined Management Approach Optimizing Loan Growth for Returns Balance Sheet Management Proactive Expense Management Capital allocation guided by maximizing return on
Slide 13: Purposeful Execution Driving Top Quartile Performance
2023 Barclays America Select Franchise Conference2023 Barclays Americas Purposeful Execution Driving Top Quartile Performance 13 Differentiated franchise with distinguished brand Operating from a position of strength Disciplined execution of clearly defined strategy Dynamically managing through the
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