Huntington Bancshares Incorporated · NASDAQ:HBAN

Huntington Bancshares — Shareholder Meeting (April 2022)

19 slides from Huntington Bancshares's shareholder meeting presentation, Apr 20, 2022

  1. Slide 1: 2022 Annual Shareholders' Meeting

    Huntington Bancshares Incorporated 2022 Annual Shareholders’ Meeting April 20, 2022 The Huntington National Bank is Member FDIC. ®, Huntington® and Huntington. Welcome.® are federally registered service marks of Huntington Bancshares Incorporated. ©2022 Huntington Bancshares Incorporated.

  2. Slide 2: Deeply Engaged, Diverse Board of Directors

    2022 Annual Shareholders’ Meeting Deeply Engaged, Diverse Board of Directors 2 Stephen Steinour Chairman, President, and CEO Huntington Bancshares Incorporated President and CEO The Huntington National Bank Ann (Tanny) Crane President and CEO Crane Group Company Gina France CEO and President France

  3. Slide 3: Welcome

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  4. Slide 4: Disclaimer

    2022 Annual Shareholders’ Meeting Disclaimer CAUTION REGARDING FORWARD-LOOKING STATEMENTS This communication contains certain forward-looking statements, including, but not limited to, certain plans, expectations, goals, projections, and statements, which are not historical facts and are subject to

  5. Slide 5: Chairman's Presentation: Discussion Topics

    2022 Annual Shareholders’ Meeting Chairman’s Presentation: Discussion Topics 5 2021 Year in Review Business / Strategy Update

  6. Slide 6: Huntington: A Purpose-Driven Company

    2022 Annual Shareholders’ Meeting  Drive organic growth across all business segments  Deliver sustainable, top quartile financial performance  Stability and resilience through risk management; maintaining an aggregate moderate-to-low risk profile through-the-cycle Huntington: A Purpose-Driven Com

  7. Slide 7: 2021 Full Year Highlights

    2022 Annual Shareholders’ Meeting 2021 Full Year Highlights Executed on our People-First, Digitally Powered vision  Delivered robust household growth across consumer and business banking:  Consumer households +44% YoY (4.5% standalone Huntington)  Business checking relationships +38% YoY (7% stan

  8. Slide 8: Huntington Bancshares Snapshot

    2022 Annual Shareholders’ Meeting $109 $123 $174 2019 2020 2021 $82 $99 $143 2019 2020 2021 $75 $82 $112 2019 2020 2021 Total Assets $174Billion Total Loans $112Billion Total Deposits $143Billion Huntington Bancshares Snapshot Top 10 Regional Bank in the U.S. 8 44% 38% Consumer Households Business C

  9. Slide 9: Huntington Bancshares Snapshot: Revenue, PPNR, Net Charge-offs

    2022 Annual Shareholders’ Meeting $4.4 $4.5 $4.7 $4.8 $6.0 2017 2018 2019 2020 2021 Total Revenue $6.0Billion Huntington Bancshares Snapshot 9 (1) PPNR is non-GAAP; see slide 18 for reconciliation $1.8 $1.9 $2.0 $2.0 $2.3 2017 2018 2019 2020 2021 Pretax Pre-provision Net Revenue (PPNR)(1) $2.3Billio

  10. Slide 10: Huntington Bancshares Snapshot: TSR and Capital Return

    2022 Annual Shareholders’ Meeting Huntington Bancshares Snapshot 10 Total Shareholder Return (TSR) 27% 42% 277% 1-Year 5-Year 10-Year Capital Return to Shareholders ($ in millions) $611 $621 $826 $441 $92 $650$1,052 $713 $1,476 2019 2020 2021 Dividends Buybacks Dividends Declared Per Common Share $0

  11. Slide 11: Our Commitment to Environmental, Social, & Governance (ESG)

    2022 Annual Shareholders’ Meeting  Ranked #135 overall  Ranked #11 within the financial sector Recent ESG Recognition Delivering on Our Purpose Our Commitment to Environmental, Social, & Governance (ESG) 11 Our commitment to ESG is a reaffirmation of our long-held commitment to do the right thing

  12. Slide 12: Industry-leading Mobile Customer Satisfaction

    2022 Annual Shareholders’ Meeting Industry-leading Mobile Customer Satisfaction Honored for the third consecutive year for consumer mobile customer satisfaction 12 #1 Customer Satisfaction with Mobile Banking Apps among Regional Banks(1) For J.D. Power 2021 award information, visit jdpower.com/award

  13. Slide 13: First Quarter 2022 Earnings Call

    2022 Annual Shareholders’ Meeting First Quarter 2022 Earnings Call 13  Thursday, April 21, 2022  9:00 a.m. ET Huntington’s management will host an earnings conference call the same day at 9:00 a.m. ET. The call, along with slides, may be accessed via a live Internet webcast in the Investor Relatio

  14. Slide 14: Basis of Presentation: Use of Non-GAAP Financial Measures

    2022 Annual Shareholders’ Meeting Basis of Presentation 14 Use of Non-GAAP Financial Measures This document contains GAAP financial measures and non-GAAP financial measures where management believes it to be helpful in understanding Huntington’s results of operations or financial position. Where non

  15. Slide 15: Basis of Presentation: Rounding, Notable Items

    2022 Annual Shareholders’ Meeting Basis of Presentation 15 Rounding Please note that columns of data in this document may not add due to rounding. Notable Items From time to time, revenue, expenses, or taxes are impacted by items judged by management to be outside of ordinary banking activities and/

  16. Slide 16: Notes Slide

    2022 Annual Shareholders’ Meeting Notes 16 Slide 7 (1) Ranked first in loan origination by volume for the 4th year in a row (2) For JD Power 2021 award information, visit jdpower.com/awards. Huntington received the highest score among regional banks in the J.D. Power 2021 U.S. Banking Mobile App Sat

  17. Slide 17: Non-GAAP Reconciliation: ROTCE, Efficiency Ratio

    2022 Annual Shareholders’ Meeting Non-GAAP Reconciliation ROTCE, Efficiency Ratio 17 Efficiency Ratio ($ in millions) – Pre-tax FY 2021 Noninterest expense (GAAP) $4,375 Less: intangible amortization 48 Noninterest expense less amortization of intangibles (A) $4,327 Total Revenue (GAAP) $5,991 FTE a

  18. Slide 18: Reconciliation: EPS, Pre-Provision Net Revenue (PPNR)

    2022 Annual Shareholders’ Meeting Reconciliation EPS, Pre-Provision Net Revenue (PPNR) 18 EPS ($ in millions, except per share amounts) Pre-tax impact amount After-tax impact amount FY 2021 EPS Earnings Per Share (GAAP) $0.90 Add: TCF acquisition-related net expenses $701 $566 $0.44 Add: Exit of str

  19. Slide 19: Huntington

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