Huntington Bancshares Incorporated · NASDAQ:HBAN
Huntington Bancshares — 2025 Morgan Stanley US Financials Conference
12 slides from Huntington Bancshares's conference presentation, Jun 11, 2025
Slide 1: 2025 Morgan Stanley US Financials Conference
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.
Slide 2: Disclaimer
Disclaimer 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, expectations, goals, projections, and statements, which are not historical fa
Slide 3: Our Vision: People-First, Customer-Centered
Our Vision Key Guiding Attributes People-First, Customer-Centered
Slide 4: Key Messages
Key Messages Delivering on organic growth strategies with sustained momentum supported by 1 purposefully diversified customer base 2 Driving robust profit growth reflective of expanded net interest margin, higher fee revenues, and efficient expense management 3 Achieving strong credit performance th
Slide 5: Peer Leading Organic Growth
Peer Leading Organic Growth Cumulative Growth Rate of Average Loans Cumulative Growth Rate of Average Deposits Driving High-Quality Earnings Growth Disciplined Risk Framework Robust 2025 Net Interest Income • … … … … … • •
Slide 6: Noninterest Income | Diversified Fee Revenues
Noninterest Income | Diversified Fee Revenues Total Adj. Noninterest Income1 By Category Powerful Trends in Strategic Fee Categories • • • •
Slide 7: Top Tier Asset Quality and Reserve Profile
Top Tier Asset Quality and Reserve Profile Disciplined Client Selection Consistent Top-Tier Credit Performance and Underwriting Consumer – 43% of total loans • • Commercial – 57% of total loans • • • • •
Slide 8: Growth Objectives Drive Core and Expansion Initiatives
Growth Objectives Drive Core and Expansion Initiatives National Expertise with Building on Position of Strength Local Delivery • • NC • NC • SC • - - • Texas • • • • • Florida - - Driving Growth via Share Gains and Executional Outperformance
Slide 9: Earnings Growth Supports Capital Priorities
Earnings Growth Supports Capital Priorities CET1 Ratio Capital Growth Outlook • o o o • o o o • o o o Adjusted CET1 Ratio Drivers Tangible Book Value (TBV) per Share +13% YoY
Slide 10: 2025 Management Focus
2025 Management Focus Driving Value Through Accelerated TBV Accretion and Expanding Long-Term Returns
Slide 11: Non-GAAP Reconciliation
Non-GAAP Reconciliation Adjusted Noninterest Income and Adjusted CET1 ($ in millions) FY21 FY22 FY23 FY24 1Q24 2Q24 3Q24 4Q24 1Q25 CET1 – AOCI Impact ($ in millions) 1Q24 2Q24 3Q24 4Q24 1Q25
Slide 12: Notes
Notes Slide 5: (1) Average second quarter to date balances as of 5/31/2025 (2) Source: S&P Global Market Intelligence and filings - Peers include CFG, CMA, FITB, KEY, MTB, PNC, RF, TFC, USB, ZION (3) Excludes increased interest recoveries and other Slide 6: (1) Non-GAAP; excludes effect of MTM on PF
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