Huntington Bancshares Incorporated · NASDAQ:HBAN
Huntington Bancshares — 2026 RBC Capital Markets Global Financial Institutions Conference
18 slides from Huntington Bancshares's conference presentation, Mar 11, 2026
Slide 1: 2026 RBC Global Financial Institutions Conference
2026 RBC Global Financial Institutions Conference Welcome. The Huntington National Bank is Member FDIC. Huntington, Huntington Bank, and the March 11, 2026 Huntington Brandmark are service marks of Huntington Bancshares Incorporated. ©2026 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, includi ng, but not limited to, certain plans, expectations, goals, projections, and statements, which are not historical
Slide 3: Key Messages
Key Messages 1 Differentiated super regional bank model with multiple growth engines 2 Focused execution generating powerful organic growth 3 Disciplined partner integration driving cost and revenue synergies 4 Powerful earnings enables accelerated capital returns and TBV growth A proven flywheel co
Slide 4: Proud 160 year history. Accelerating into the future.
Proud 160 year history. Accelerating into the future. Vision To Be the Leading People - First, Customer - Centered Bank in the Country Super Regional Bank Positioned for Strong Secular Growth Powerhouse Local delivery of Consumer and national capabilities Regional Banking with deep customer Franchis
Slide 5: Expanding National Commercial Banking Capabilities
Expanding National Commercial Banking Capabilities Loans Deposits Leading Scale1 $ 70B $51B 47% of total 29% of total FY25 Growth1 Client Relationships Served Nationally Expertise 17 Specialty ADB Loans: Verticals +13% Middle Corporate Market & Specialty Greenwich ADB Deposits: 2026 Awards +18% Capi
Slide 6: Differentiated Local Delivery Model
Differentiated Local Delivery Model National Commercial Capabilities Consumer & SMB Banking Capabilities Digital Branch/ATM Wealth Card/Payments Auto & RV/Marine Mortgage Treasury/Merchant Insurance SBA Full scope of Capabilities Delivered Locally in 21 Regions Full scope of capabilities customized
Slide 7: Continued Momentum in the Core Business
Continued Momentum in the Core Business Loan Balances (EOP) Excl. CADE Deposit Balances (EOP) Excl. CADE Tracking Tracking +11- 12% 1 +8- 9% 1 FY26 FY26 $150.8 $177.9 $149.6 $176.6 4Q25 Feb. 2026 4Q25 Feb. 2026 Focused Execution Driving Strong Outcomes • Sustained growth in regional banking and midd
Slide 8: Integration is Progressing as Expected
Integration is Progressing as Expected Talent Retention and Colleague Decisions Legal Day 1 Systems Conversions Cost Synergies Ongoing Revenue Synergies 2026 RBC Financials Conference 8
Slide 9: Expense Synergies | On Track to Meet or Exceed Plan
Expense Synergies | On Track to Meet or Exceed Plan Key Areas of Cost Savings • Early colleague decisioning and alignment supports Colleague Decisioning retention and smooth integration execution Single Technology Stack • Data mapping and pre -conversion work on track, major savings realized through
Slide 10: Revenue Synergies to Accelerate, Enhancing Future Profitability
Revenue Synergies to Accelerate, Enhancing Future Profitability Revenue Synergy Drivers Revenue Synergy Trajectory Full Franchise Capabilities & Scale Deposit Deepening & Optimization Digital Acquisition $300M+ Enterprise Growth Investments >$500M cumulative over 3 years $300M+ | Run-rate by 2028 20
Slide 11: 1Q26 Performance on Track with FY26 Guidance
1Q26 Performance on Track with FY26 Guidance FY26 Guidance Unchanged from February 2026 Standalone +CADE Net Interest income +10- 13% +~$1,775- 1,825 Noninterest Income +13- 16% +~$300 Core Expenses +10- 11% +~$1,100 500-600bps 4Q26 Exit Run-rate Average Shares1 FY26 Operating Efficiency Ratio FY26
Slide 12: Model Drives Meaningful Shareholder Value Creation
Model Drives Meaningful Shareholder Value Creation Robust Earnings Growth Top Quartile ROTCE Significant Capital Return $1.90 - FY25 FY27E ~$1.1B- 1.2B 1.93 Peer 1 ~5% Peer 1 Post -CADE close Peer 2 TBV expands share Peer 2 repurchase capacity $1.45 1 Peer 3 18-19% Adj. $0.06 Peer 4 Peer 3 ~$ 550M P
Slide 13: Flywheel for Value Creation Driving Top Tier Returns
Flywheel for Value Creation Driving Top Tier Returns Differentiated Operating Model Sustainable Strong Revenue Competitive Growth and Advantage Profitability Expanding Investment Capacity Outcomes Peer Leading Strong Programmatic Earnings Growth TBV Accretion Capital Return 2026 RBC Financials Confe
Slide 14: Appendix
Appendix (2) Huntington
Slide 15: Expanding Revenues and Reengineering Costs
Expanding Revenues and Reengineering Costs Strong Revenue Growth… … And Systematic Re - Engineering of Baseline Expenses… 1.8x $8.3 Revenue (FTE), Adj. 1 • Baseline expense reduction of ~1.3%/year $0.5 Adjustments BPO, Automation, AI • Cumulative efficiency gains & Other $8.2 of >$1.4B to- date 2 Ve
Slide 16: Significant Growth in High-Return Investments
Significant Growth in High-Return Investments Categories of Investment Revenue Focused Investment Areas 4.2x Payments / National Geographic Growth Wealth / Specialty Personnel Expansion 3.9x Cap Markets Verticals Franchise 3.1x Consumer Marketing DeNovo & Regional Branches Banking Performance Locali
Slide 17: Non-GAAP Reconciliation
Non-GAAP Reconciliation Pre-Provision Net Revenue (PPNR), Earnings Per Share (EPS) ($ in millions) FY25 Total revenue (GAAP) $8,166 FTE adjustment 65 Total revenue (FTE) A 8,231 Less: Gain on sale of a portion of corporate trust and custody business 24 Less: Net gain / (loss) on securities (58) Less
Slide 18: Non-GAAP Reconciliation
Non-GAAP Reconciliation Average Tangible Common Equity, ROTCE ($ in millions) FY25 Average common shareholders’ equity $19,241 Less: intangible assets and goodwill 5,740 Add: net tax effect of intangible assets 19 Average tangible common shareholders’ equity A $13,520 Net income available to common
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