Huntington Bancshares Incorporated · NASDAQ:HBAN
Huntington Bancshares — Q2 2025 Earnings Presentation
66 slides from Huntington Bancshares's earnings presentation, Jul 18, 2025
Slide 1: 2025 Second Quarter Earnings Review
(i Huntington 2025 Second Quarter Earnings Review Welcome. The Huntington National Bank is Member FDIC. (1°, Huntington® and {@jj Huntington. J U ly 1 8 , 2 025 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 about the benefits of the pr
Slide 3: Disclaimer
Disclaimer IMPORTANT ADDITIONAL INFORMATION In connection with the proposed transaction, Huntington will file with the SEC a Registration Statement on Form S-4 that will include a Proxy Statement of Veritex and a Prospectus of Huntington, as well as other relevant documents concerning the proposed t
Slide 4: Our Vision
Our Vision To Be the Leading People-First, Customer-Centered Bank in the Country (2) Huntington Be the most Trusted financial institution Enhance most Caring and Inclusive Culture V) Be an Indispensable Partner for customers \/| Deliver Value through commitment to top-quartile core performance 2025
Slide 5: Key Messages
Key Messages Delivering on organic growth strategies with sustained momentum supported by purposefully diversified customer base Driving robust profit growth reflective of expanded net interest margin, higher fee revenues, and positive operating leverage Achieving strong credit performance through d
Slide 6: 2Q25 Strategic Highlights
2Q25 Strategic Highlights LoanGrowth Deposit Growth Capital & Credit Tangible Book YoY (ADB!) YoY (ADB!) Liquidity Quality Value Adj. CET? $9.8B $9.9B 0.0% NCO YoY Growth +7.9% +6.4% Oy Uninsured 0.20% +16% Deposit Coverage * Sustained new customer acquisition momentum with consumer primary bank rel
Slide 7: Partnership with Veritex Accelerates Organic Texas Expansion
Partnership with Veritex Accelerates Organic Texas Expansion Experienced local leadership, deep community relationships, and strong cultural alignment dynamic Texas market Expands presence in (i Huntington Low-risk, financially attractive transaction ' backed by a proven track record EmeWles eee acn
Slide 8: Bringing the Full Huntington Franchise to Texas
Bringing the Full Huntington Franchise to Texas ffer Veritex’s Areas ation Tod Strong Local Commercial Franchise $9B * Deep Local Loans Relationships * Well-Respected Bankers I Commercial ~90 Middle-Market Focus Bankers He Cal, CRE and Specialty Businesses © Highly Visible Golf Partnerships Existing
Slide 9: 2025 Second Quarter Financial Performance
2025 Second Quarter Financial Performance EPS $0.34 * Includes $0.04 of impact to EPS resulting froma $58 million decrease in pre-tax earnings froma securities repositioning and Notable Items that GAAP Adjusted’ decreased pre-tax earnings by $3 million ROTCE 16.1% 17.6% Sustained momentum in loan an
Slide 10: Driving Sustained Profitability
Driving Sustained Profitability Total Revenue (FTE) +8% YoY Growth $1816 $1,887 $1,968 $1,935 $1,954 2924 3Q24 4Q24 1025 2Q25 Pre-Provision Net Revenue (PPNR) 415% YoY Growth (PPNR, Adjusted) 48% YoY Growth (PPNR) $823 $808 $789 PPNR, Adjusted $18 Ml Adjustments! lM PPNR $714 2Q24 3Q24 4Q24 1Q25 2Q2
Slide 11: Loans and Leases | Balanced and Diversified Growth
Loans and Leases | Balanced and Diversified Growth Loan and Lease Balances (ADB) Highlights * Average loan growth of 1.8% QoQ, or 7.1% annualized 7.9% YoY . initiati +f: . * 40% of 2Q growth from new initiatives $130.9 Organic expansion in Texas and North and South Carolina o Growth in Specialty and
Slide 12: Deposits | Driving Growth with Disciplined Pricing
Deposits | Driving Growth with Disciplined Pricing Deposit Balances (ADB) Highlights ee $1594 $161.6 en 4$163.4 $156.5 i i i -E 6/30 2Q24 3Q24 4Q24 1Q25 2Q25 (EOP) Total Cost of Deposits Trend Average balances grew 1.1% QoQ Achieved cycle-to-date 38% down beta Average Loan to Deposit Ratio stable at
Slide 13: Delivering Sustained Net Interest Income Growth
Delivering Sustained Net Interest Income Growth Net Interest Income (FTE) and Net Interest Margin (NIM) Highlights ¢ Net Interest Income dollars expanded over the past 5 consecutive quarters driven by peer leading loan growth and rising NIM * NIM expanded 1bp QoQ - Lower hedge drag benefited NIM 2bp
Slide 14: Dynamically Optimizing the Securities Portfolio
Dynamically Optimizing the Securities Portfolio Securities + Cash! Average Highlights HI Cash . eee soot carporate one renestioning M@® Securities ° :-8c to EPS, +6bps adj. o ~$20M expected incremental annual run rate revenue $552 $57.8 $57.5 $57.8 $58.2 > FY26: 1bp NIM, approx. +1c EPS, ROTCE 10bps
Slide 15: Positioning the Balance Sheet for Range of Rate Scenarios
Positioning the Balance Sheet for Range of Rate Scenarios Capital Protection in higher rate scenario NIM Protection in lower rate scenario Hedging Program Profile — Effective Swaps! * Over LTM, reduced asset sensitivity to near neutral + Anticipate relatively stable level for the next year * Natural
Slide 16: Noninterest Income | Growing Diversified Fee Revenues
Noninterest Income | Growing Diversified Fee Revenues Noninterest Income vs. Prior Year Adjusted Noninterest Income By Category? $12 $11 $491 $9 $500 eS Total Adjusted Noninterest Income? All Other? Leasing Revenue MBI Customer Deposit & Loan Fees $482 2Q24 Adjust- 2Q24 , Payments wealth Capital 2Q2
Slide 17: Strategic Fee Revenue Focus Areas | Payments
Strategic Fee Revenue Focus Areas | Payments Adjusted Non-Interest Income (LTM) Commercial Payment Revenues $67 48°% Payments $57” Other Capital Wealth Markets 2Q24 2Q25 co Credit Card Merchant Services Highlights Purchase Volumes* New Account Acquisition Drivers . * Payment revenue growth of +7% Yo
Slide 18: Strategic Fee Revenue Focus Areas | Wealth Management
Strategic Fee Revenue Focus Areas | Wealth Management Adjusted Non-Interest Income (LTM) Wealth Management Fee Revenue are $102 Payments $90 Other Capital Wealth Markets 2Q24 2Q25 Highlights Household Growth AUM Drivers + Delivered +13% YoY growth in Wealth fee revenues ale $35.3 + #12% YoY AUM and
Slide 19: Strategic Fee Revenue Focus Areas | Capital Markets
Strategic Fee Revenue Focus Areas | Capital Markets Adjusted Non-Interest Income (LTM) Capital Markets & Advisory Fees (1 YoY Growth Rate $420 Payments Other $78 g69 $73 364 $56 _ $67 Capital Wealth Markets Highlights Drivers * Drove +15% YoY revenue growth supported by core $73 — lending-related ca
Slide 20: Noninterest Expense | Delivering Positive Operating Leverage
Noninterest Expense | Delivering Positive Operating Leverage Noninterest Expense (NIE) Highlights Vs. Linked Quarter $1,197 * Reported NIE increased $45 million, or 3.9% $1130 S178 gi 150 , Notable It P , $1117 : orabre ems $3 million Notable Item related to efficiency wm NIE excl, programs offset b
Slide 21: Driving Capital and Tangible Book Value Higher
Driving Capital and Tangible Book Value Higher CETI Ratio Highlights + Achieved lower bound of target operating range of Target Operating 9-10% Range 9-10% 10.4% 10.4% 10.5% 10.6% 10.5% o CET1accretion from retained earnings and securities AOCI Adj. for itionina i Targeting | Cash Flow Fledges repos
Slide 22: Top Tier Credit Performance
Top Tier Credit Performance Net Charge-off Ratio 0.36%. 0:38% 0.40% 0:42% eres... 0.43% +++» Peer Median’ 35% we ° O.3 1% er caaserseceest@rse 2nd & 34 Quartile 0.20% 0.22% 0:25% ..es-9°" . for erect Eaeae 0.31% 0.30% 0.29% 0.30% 0.30% ine we) Huntington on 499 ; 0.20% 0.13% o “we 0.07% 0.03% 3Q21 4
Slide 23: 5.0 0% 4.8 0% 4.6 0% 4.4 0% 4.2 0% 4.0 0% 3.8 0%
5.0 0% 4.8 0% 4.6 0% 4.4 0% 4.2 0% 4.0 0% 3.8 0% 3.6 0% 3.4 0% 3.2 0% 3.0 0%
Slide 24: 2025 Stand-Alone Outlook
2025 Stand-Alone Outlook Average Loans FY24 Baseline = $124.5 billion As of: A/T [25 Up 5% - 7% 7/18/25 Up 6% - 8% Strong year-to-date performance of both existing and new businesses Average Deposits FY24 Baseline = $155.1 billion Up 3% - 5% Up 4% - 6% Sustained deposit gathering from acquiring and
Slide 25: Positioned for Powerful Value Creation
Positioned for Powerful Value Creation Culture, Purpose, Scaled and Multiple Revenue Position of Top Quartile and Vision Diversified Growth Levers in Strength with Performance Delivered witha Franchise Regional and Rigorous Risk Driven by Differentiated National Management Disciplined Operating Mode
Slide 26: Non-GAAP Reconciliation
Non-GAAP Reconciliation Pre-Provision Net Revenue (PPNR) Total revenue (GAAP) $1,803 $1,874 $1,954 $1,920 $1,938 FTE adjustment 13 13 14 15 16 Total revenue (FTE) A 1,816 1,887 1,968 1,935 1,954 Less: Net gain / (loss) on securities -- -- (21) -- (58) Less: Impact of CRTs (9) (8) -- (3) (5) Total Re
Slide 27: Non-GAAP Reconciliation
Non-GAAP Reconciliation Average Tangible Common Equity, ROTCE Average common shareholders’ equity $16,861 $17,719 $17,979 $18,007 $18,559 Less: intangible assets and goodwill 5,685 5,674 5,662 5,651 5,640 Add: net tax effect of intangible assets 25 24 21 19 16 Average tangible common shareholders’ e
Slide 28: Non-GAAP Reconciliation
Non-GAAP Reconciliation Adjusted Noninterest Expense, Efficiency Noninterest expense (GAAP) $1,117 $1,130 $1,178 $1,152 $1,197 Less: intangible amortization 12 1 12 1 1 Noninterest expense less amortization of intangibles A $1,105 $1,119 $1,166 $1,141 $1,186 Less: Notable Items, pre-tax 6 6 (3) 3 3
Slide 29: Non-GAAP Reconciliation
Non-GAAP Reconciliation Common Equity Tier 1 (CET1) Common Equity Tier 1 $14,521 $14,803 $15,127 $15,269 $15,539 Comprehensive income (loss) (AOC) Ger) (204) (2,866) 2.422) (22H Less: cash flow hedge (399) (39) (267) (90) (7) Adjusted Common Equity Tier 1 B $12,009 $12,738 $12,528 $12,937 $13,305 Ri
Slide 30: Non-GAAP Reconciliation
Non-GAAP Reconciliation Tangible common equity ratio, Tangible book value per share Huntington shareholders’ equity $18,788 $18,483 $19,353 $19,322 $19,515 $20,606 $19,740 $20,434 $20,928 Less: preferred stock 2,484 2,484 2,394 2,394 2,394 2,394 1,989 1,989 1,989 Common shareholders’ equity $16,304
Slide 31: Non-GAAP Reconciliation
Non-GAAP Reconciliation Operating Leverage Total revenue (FTE) $7,402 $7,239 7,203 $7,438 $7,606 $7,744 YoY Growth Rate A 0.5% 51% 75% Less: Net gain / (loss) on securities and sale of Business 50 (8) (3) (21) (21) (79) Total Revenue (FTE), excluding net gain / (loss) on SSEULLLSS Cord) UES $7,352 $
Slide 32: Appendix
Appendix (2) Huntington
Slide 33: 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 34: Table of Contents
Table of Contents Accumulated Other Comprehensive Income Driving Sustained Profitability Preferred Dividends Digital Metrics Mortgage Banking Noninterest Income Balance Sheet Loan Growth Loan Yields Non-Interest Bearing Deposits Leveraged Lending Deposit Franchise Diversified Sources of Liquidity CR
Slide 35: Accumulated Other Comprehensive Income Dollars
Accumulated Other Comprehensive Income Dollars AOCI Outlook! Highlights $ in billions Peak AOCI Loss + Projecting ~22% total AOCI accretion by YE26 vs. 2Q25 level * Dynamically managing hedge position subject to risk profile and market conditions Components of Fair Value (FV) Mark on Investment Secu
Slide 36: Driving Sustained Profitability
Driving Sustained Profitability Pre-Provision Net Revenue (PPNR) m PPNR (GAAP) m PPNR (Adjusted) 808 $823 $757 $771 $790 «= $783 $789 $757 $699 $714 2Q24 3Q24 4Q24 1Q25 2Q25 Return on Tangible Common Equity % mmm ROTCE (GAAP) —e—Adj. ROTCE —»—Adj. ROTCE ex AOCI 16.2% 16.3% 16.3% 16.7% 16.2% 2Q24 3Q2
Slide 37: Estimated Preferred Dividends
Estimated Preferred Dividends 1025 2Q25 3Q25 4Q25 1026 2Q26 Dividends on Preferred Shares $27 $27 $27 $27 $27 $27 (1) Estimated preferred dividends based on projected interest rates for currently outstanding series of preferred shares ta Huntington 2025 Second Quarter Earnings Review | 37
Slide 38: Consumer and Business Banking Digital Metrics
Consumer and Business Banking Digital Metrics Digital Engagement Digital Originations Average Monthly Active Digital Users'(Millions) 3.56 3.58 3.59 3.69 3.70 2Q24 3Q24 4Q24 1Q25 2Q25 Average Monthly Active Mobile Users? (Millions) 2.83 2.86 2.87 2.94 2.99 2Q24 3Q24 4Q24 1Q25 2Q25 tA) Huntington see
Slide 39: Mortgage Banking Noninterest Income Summary
Mortgage Banking Noninterest Income Summary Mortgage Banking Income (MBI) Total Production Mix' $ in millions 2.04% $38 $30 $31 $31 $13 5 $12 $13 $18 $25 $18 2024 3024 4Q24 1025 == Secondary Market Spreads Net Mortgage Servicing Income Ml MBI less Net Mortgage Servicing Income ($ in billions) Mortga
Slide 40: Balance Sheet
Balance Sheet (2) Huntington
Slide 41: Loans and Leases | Accelerated Loan Growth
Loans and Leases | Accelerated Loan Growth Commercial Average Loan and Lease Balances Highlights mm CRE Loans mm Commercial LoansEx.CRE = 49.7% YoY 75.6 $69.0 $60.1 $718 $744 8 $11.3 $11.7 $12.2 2Q24 3Q24 4Q24 1Q25 2Q25 Consumer Average Loan and Lease Balances vs. Linked Quarter * Average balances i
Slide 42: Loan Yields | Benefiting From Fixed Rate Re-Pricing
Loan Yields | Benefiting From Fixed Rate Re-Pricing Loan Portfolio Composition Highlights (as of 2Q25) Both variable rate and short-term loan portfolios benefited from asset repricing * Auto portfolio weighted-average life = Variable (WAL)<2 years mw Indirect Auto * Residential mortgage-ARM WAL of A
Slide 43: Deposits | Non-Interest Bearing (NIB) Deposit Trends
Deposits | Non-Interest Bearing (NIB) Deposit Trends Deposit Balance — End of Period (EOP) Deposit Balance - Average mam Interest Bearing mam Interest Bearing mag Non-Interest Bearing mag Non-Interest Bearing $154.4 $158.4 $162.4 $165.3 $163.4 $153.6 $156.5 $159.4 $161.6 $163.4 ‘| 2024 3024 4024 102
Slide 44: Minimal Exposure to Leveraged Lending
Minimal Exposure to Leveraged Lending Loan Portfolio Composition MM 2.0% Leveraged Hi 98.0% All Other Industry Classification of Outstandings Highlights ™® Manufacturing, 30% i Wholesale Trade, 13% HE Admin & Waste Mgmt, 10% ©) Finance and Insurance, 10% I Prof, Scientific & Trade, 9% Hi Accommodati
Slide 45: High Quality, Granular Deposit Franchise
High Quality, Granular Deposit Franchise Leading Percent of Insured Deposits! Peers at 1025 HBAN (1Q25) 1% Bank 1 64% Bank 2 61% Bank 3 61% AC a Bank 4 57% Bank 5 57% Bank 6 56% Bank 7 56% Cc 55% WFC 55% Bank 8 55% Bank 9 54% Bank 10 51% ta Huntington See notes on slide 66 2025 Second Quarter Earnin
Slide 46: Diversified Sources of Liquidity
Diversified Sources of Liquidity Robust Level of Available Liquidity! Highlights ($ in billions) * Peer leading available liquidity as a $95 $98 $98 $94 percent of uninsured deposits highlighting the proactive approach to liquidity risk $13 $13 $15 Cash management and strength of our granular deposi
Slide 47: Commercial Deposit Relationships Bolstered by Off Balance Sheet Liquidity Management Solutions
Commercial Deposit Relationships Bolstered by Off Balance Sheet Liquidity Management Solutions Commercial Off B/S Total Commercial Banking Segment Liquidity Overview Annually Off balance sheet liquidity solutions seas 9677 $70.4 $69.6 $718 Total for commercial customers 58,1 $60.0 $62.2 $62.7 “ or P
Slide 48: Commercial Real Estate (CRE) Overview
Commercial Real Estate (CRE) Overview CRE Loans as % of Total Loans! Portfolio Characteristics HBAN (225) HBAN (1Q25) Peer 1 Peer 2 Peer 3 Peer 4 Peer 5 Peer 6 Peer7 Peer 8 Peer 9 Peer 10 8% 9% 9% 10% "Peer Mediar?: 15% 13%! 15% 15% 19% 19% 23% Peers at 1025 36% Loan Portfolio Composition (2Q25) * W
Slide 49: Commercial Real Estate — Office Portfolio Declining
Commercial Real Estate — Office Portfolio Declining CRE — Office Loan Balances — End of Period (EOP) mag CRE - Office Loans ——% of Total Loans $1.9 —e—CRE - Office ACL Ratio $2.0 11% 9 9 9 9 9 0% 0% 10% 1% 1% 1% 1% 1% 2Q23 3Q23 4Q23 1Q24 2Q24 3Q24 4Q24 1Q25 2Q25 ta Huntington Note: $ in billions 202
Slide 50: CRE | Low Concentration and Top Tier Reserve Coverage
CRE | Low Concentration and Top Tier Reserve Coverage CRE Reserve Ratio vs. CRE as % of Total Loans 5.0% w 40% N CG = 2 3.0% = i) faa oO > B 2.0% 7) Oo iva Ww & 1.0% 0.0% Includes U.S. Listed Banks over $50B in assets as of 3/31/2024! f Banks HBAN (125) ! HBAN (2Q25) [ag ; ' ' 'e Bank 5 Bank2° ' Ban
Slide 51: Commercial Real Estate (CRE) — Multi Family Overview
Commercial Real Estate (CRE) — Multi Family Overview Management Approach Loan Portfolio Composition (2Q25) Sponsor-driven strategy focused on experienced owners and operators Key Portfolio Metrics Mi 2.9% Multifamily + Average loan size: $4.6 million 9 Hi 97.1% All Other * Average LTV at Origination
Slide 52: Auto — Production Trend
Auto — Production Trend 2Q25 1Q25 4Q24 3Q24 2Q24 1Q24 4Q23 3Q23 2Q23 Amount ($ in billions) $2.3 $2.0 $2.2 $2.4 $24 $1.6 $1.2 $1.4 $14 % new vehicles 35% 33% 36% 35% 35% 41% 43% 35% 42% Avg. LTV 89% 86% 87% 87% 85% 84% 84% 86% 87% Avg. FICO 774 776 778 780 784 783 782 778 776 BR Vintage Performance!
Slide 53: Auto — Proven Track Record of Strategic Growth
Auto — Proven Track Record of Strategic Growth t Optimize through the Cycle } Calibrating production to balance growth and returns Indirect Auto Production ($B) and New Origination Yield == New Origination Yield 7.1% 7.2% . . 6.9% 6.8% mm Indirect Auto Production 2 © 6.8% 6.3% 6.4% em 23% 6.2% 5.9%
Slide 54: Auto | Strong Credit Performance Through the Cycle
Auto | Strong Credit Performance Through the Cycle Highlights Auto Loans and % of Total Loans (EOP)($B) =—®—Auto% of TotalLoans Ml Auto Loans gi22 $125 $129 $129 $86 $132 girs Strong Credit Quality * Industry knowledge and focus on rigorous customer selection drives outperformance of NCOs * Auto loa
Slide 55: Vehicle Finance — Origination Trends
Vehicle Finance — Origination Trends BR —Autoloans J 2025YTD 2024 2023 2022 2021 2020 2019 2018 Originations ($ in billions) $44 $83 $5.2 $6.1 $6.9 $5.9 $6.1 $5.8 % new vehicles 34% 36% 40% 38% 43% 47% 46% 47% Avg. LTV’ 88% 86% 86% 84% 85% 89% 90% 89% Avg. FICO 775 781 779 777 772 775 772 766 (month
Slide 56: Residential Mortgage and Home Equity Origination Trends
Residential Mortgage and Home Equity Origination Trends 2025YTD 2024 2023 2022 2021 2020 2019 2018 Originations (¢ in billions) $1.5 $3.0 $3.4 $5.4 $6.6 $4.7 $2.9 $2.9 Avg. LTV 87% 87% 85% 81% 76% 77% 81% 83% Avg. FICO 763 763 765 765 768 767 761 758 L & _HomeEquity » 2025YTD 2024 2023 2022 2021 202
Slide 57: Change in Common Shares Outstanding
Change in Common Shares Outstanding Beginning shares 1457 1454 «1453s «1,452,s«1,449°=«s«d14d8sCi44BSCid1,44BSC*1,44, outstanding Employee equity 2 3 1 1 3 1 0 0) 4 compensation Share repurchases -- ~ ~ ~ ~ ~ ~ ~ ~ Ending shares outstanding 1,459 1,457 1,454 1,453 1,452 1,449 1,448 1,448 1,448 Avera
Slide 58: Tangible Common Equity
Tangible Common Equity r Tangible Common Equity J ~ —e—Adjusted TCE Ratio, ex AOCI —e-TCE Ratio Ce © © oI 7.5% 7.5% 7.5% 7.5% 6.6% 2Q24 3Q24 4Q24 1Q25 2Q25 XV y, ta Huntington See reconciliation on slide 30 (TCE) 2025 Second Quarter Earnings Review | 58
Slide 59: Hedging Balance Update
Hedging Balance Update Hedging Balance Update (as of 6/30/2025) 2Q25 Actions: Added $0.4 billion spot swaps WA PF Swaps $9.1 $8.0 1.90 3.64 Rate: 3.84% and $0.6bn forward starting 2yr swaps; WA Rate: 3.83%; Tore up $0.9bn Total PF Swaps $9.1 $8.0 3.64 RF Swaps $26.9 $23.4 3.32 2.96 Floor Spreads $10
Slide 60: Credit and Capital
Credit and Capital (2) Huntington
Slide 61: CET1 Comparison versus Peers
CET1 Comparison versus Peers CETI1 (Reported and Adjusted for ACL)! Peers at 1Q25 13.0% 13.0% 12.9% "12.5% 12.5% + 9.9% 12.2% 12.1% 12.0% 12.0% 11.9% 11.8% 1.0% Ue 1.2% CET1+ACL 1.4% om 1. 1.4% 1.1% 1.5% thes . 1.2% ACL Impact 12.1% 11.8% 11.5% . E 11.3% 10.8% ° 10.6% . . Hl mm CET1 Reported Peer1 P
Slide 62: Commercial Delinquencies
Commercial Delinquencies Commercial (30+ Days’) 0.43% 0.39% 0.28% 0.28% 0.20% 0.19% 21% =— ag gy 0.18% 0.20% — 2Q22 3Q22 4Q22 1Q23 2Q23 3Q23 4Q23 1024 2Q24 3Q24 4Q24 1025 2Q25 0.23% 0.15% Commercial (90+ Days') 0.07% 0.03% 0.02% 0.02% 0.01% 0.01% 0.01% 0.01% 2 2 2Q22 3Q22 4Q22 1Q23 2Q23 3Q23 4Q23 10
Slide 63: Consumer Delinquencies
Consumer Delinquencies Consumer (30+ Days!) 2.12% 2.04% 124% Soa 175% % 1.80% 192% 185% 160% 175% 174% 180% soon 17556 1764 — ~~ —eResidential Mortgage 9 1.33% 9 1.38% 1.35% 1.28% 115% tray 19% = 1.21% 1.31% 449% 125% © 127% 1.30% 1.07% =Total Consumer 0.92% 1.01% 1.01% 0.91% 9.86% 0.89% 0.86% 0.96%
Slide 64: Criticized Commercial Loan Analysis
Criticized Commercial Loan Analysis End of Period (Sin mitions) 20251552024 | Criticized beginning-of-period $4,781 $4,538 $4,703 $5,131 $5,496 Additions / increases 881 1,126 909 1,002 1,044 Advances 213 239 249 191 192 Upgrades to “Pass” (350) (368) (650) (817) (680) Paydowns (826) (481) (795) (73
Slide 65: Notes
Slide 6: (1) Average Daily Balance (“ADB”) (2) AOCI adjustment aligned to the GSIB reporting requirement - exclusion of AOCI adjusted for cash flow hedges on loan portfolio (3) Key strategic fee areas include Payments, Wealth, and Capital Markets revenue (4) Excluding the $58M securities repositioni
Slide 66: Notes
Notes Slide 35: (1) Accumulated other comprehensive loss in the chart represents cumulative AOC] related to available-for-sale securities, fair value hedges, cash flow hedges on loan portfolio, translation adjustments, and unrealized gain/loss from pension and post-retirement obligations Slide 37: (
Huntington Bancshares — Q2 2025 Earnings Presentation on 6ix