Huntington Bancshares Incorporated · NASDAQ:HBAN
Huntington Bancshares — Shareholder Meeting (April 2026)
18 slides from Huntington Bancshares's shareholder meeting presentation, Apr 22, 2026
Slide 1: 2026 Annual Shareholders' Meeting
2026 Annual Shareholders’ Meeting The Huntington National Bank is Member FDIC. Huntington, Huntington Bank, and the Welcome. Huntington Brandmark are service marks of Huntington Bancshares Incorporated. ©2026 Huntington Bancshares Incorporated. April 22, 2026
Slide 2: Deeply Engaged Board of Directors
Deeply Engaged Board of Directors Stephen D. Steinour Ann B. (Tanny) Crane Rafael A. Diaz-Granados Chairman, President, and CEO Executive Chair Chairman and CEO Huntington Bancshares Incorporated Crane Group Company TransForce, Inc. President and CEO The Huntington National Bank Virginia A. Hepner J
Slide 3: Welcome.
Welcome.
Slide 4: 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 5: Chairman's Presentation: Discussion Topics
Chairman’s Presentation: Discussion Topics Business / Strategy Update
Slide 6: 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 Franchise in
Slide 7: Our Drivers of Value Creation
Our Drivers of Value Creation 2025 Results Differentiated Investments Drive Operating Model Competitive Revenue +11% Powers Growth Advantage Growth Operating +70bps Driving Leverage +290bps adj. Proven Execution Sustainable and Integration Long-term Operating Track Record Shareholder Leverage PPNR +
Slide 8: Huntington Bancshares Snapshot
Huntington Bancshares Snapshot Top 10 Regional Bank in the U.S. Total Assets (EOP) Total Deposits (EOP) Total Loans (EOP) $225 Billion $177 Billion $150 Billion $225 $177 $150 $204 $162 $189 $151 $130 $122 2023 2024 2025 2023 2024 2025 2023 2024 2025 Pre-Provision Net Return on Tangible 4.00 Revenue
Slide 9: Focused execution generating powerful organic growth
Focused execution generating powerful organic growth Cumulative Organic Growth Rate of Loans (ADB excluding Veritex) +$11.0B, 8.6% 2nd & 3rd Quartile 2.1% Peer Median1 4Q24 1Q25 2Q25 3Q25 4Q25 Cumulative Organic Growth Rate of Deposits (ADB excluding Veritex) +$6.8B, 4.2% 2nd & 3rd Quartile 1.1% Pee
Slide 10: Noninterest Income | Consistent Execution Drives Consistent Growth
Noninterest Income | Consistent Execution Drives Consistent Growth Adjusted Noninterest Income By Category 1 FY25 Highlights • Exceptional progress in growing strategically relevant services Total Adjusted $2,222 Noninterest Income1 • Customer deposit and loan fees +17% driven by robust organic $2,0
Slide 11: Asset Quality | Top Tier Credit Performance
Asset Quality | Top Tier Credit Performance Net Charge-off Ratio 0.48% 0.47% Peer Median1 0.43% 0.44% 0.38% 0.40% 0.42% 0.42% 0.42% 0.35% 2nd & 3rd Quartile 0.31% 0.19% 0.25% 0.22% 0.15% 0.16% 0.31% 0.30% 0.29% 0.30% 0.30% 0.24% 0.26% 0.24% 0.19% 0.20% 0.22% 0.15% 0.17% 0.16% 0.07% 0.03% 1Q22 2Q22 3
Slide 12: First Quarter 2026 Earnings Call
First Quarter 2026 Earnings Call • Thursday, April 23, 2026 • 9:00 a.m. ET Huntington’s management will host an earnings conference call at 9:00 a.m. ET. The call, along with slides, may be accessed via a live Internet webcast in the Investor Relations section of Huntington’s website or through a di
Slide 13: Basis of Presentation
Basis of Presentation Use of Non-GAAP Financial Measures This document contains GAAP financial measures and non-GAAP financial measures where management believes it to be helpful in understanding Huntington’s results of operations or financial position. Where non-GAAP financial measures are used, th
Slide 14: Basis of Presentation
Basis of Presentation Rounding Please note that columns of data in this document may not add due to rounding. Notable Items From time to time, revenue, expenses, or taxes are impacted by items judged by management to be outside of ordinary banking activities and/or by items that, while they may be a
Slide 15: Notes
Notes Slide 9 & 11: (1) Source: S&P Global – Includes all peers: CMA, CFG, FITB, KEY, MTB, PNC, RF, TFC, USB, and ZION Slide 10: (1) Non-GAAP; excludes the loss on sale of securities, the effect of MTM on PF Swaptions, impact of CRTs, gain on sale of a portion of our corporate trust and custody busi
Slide 16: Non-GAAP Reconciliation | Pre-Provision Net Revenue (PPNR)
Non-GAAP Reconciliation | Pre-Provision Net Revenue (PPNR) % Change ($ in millions) FY23 FY24 FY25 FY25 vs. FY24 Total revenue (GAAP) $7,360 $7,385 $8,166 FTE adjustment 42 53 65 Total revenue (FTE) A 7,402 7,438 8,231 Less: Gain from Divestitures 57 -- 24 Less: Net gain / (loss) on securities (7) (
Slide 17: Non-GAAP Reconciliation | Operating Leverage
Non-GAAP Reconciliation | Operating Leverage Twelve Months Ended ($ in millions) Dec 31, 2024 Dec 31, 2025 Total revenue (FTE) $7,438 $8,231 YoY Growth Rate A 10.7% Less: Net gain / (loss) on securities and gain on sale of a portion of our corporate trust and (21) (34) custody business Total Revenue
Slide 18: Non-GAAP Reconciliation | Average Tangible Common Equity, ROTCE
Non-GAAP Reconciliation | Average Tangible Common Equity, ROTCE ($ in millions) FY23 FY24 FY25 Average common shareholders’ equity $16,217 $17,347 $19,241 Less: intangible assets and goodwill 5,731 5,680 5,740 Add: net tax effect of intangible assets 35 25 19 Average tangible common shareholders’ eq
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