Huntington Bancshares Incorporated · NASDAQ:HBAN
Huntington Bancshares — 2023 Morgan Stanley US Financials, Payments & CRE Conference
10 slides from Huntington Bancshares's conference presentation, Jun 12, 2023
Slide 1: 2023 Morgan Stanley US Financials, Payments & CRE Conference
Welcome.® 2023 Morgan Stanley US Financials, Payments & CRE Conference June 12, 2023 The Huntington National Bank is Member FDIC. ®, Huntington® and Huntington. Welcome.® are federally registered service marks of Huntington Bancshares Incorporated. ©2023 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: Huntington: A Purpose-Driven Company
Huntington: A Purpose-Driven Company OUR PURPOSE OUR VISION We make people’s lives To be the leading better, help businesses People-First, thrive, and strengthen the Digitally Powered Bank communities we serve Purpose and Vision Linked to Business Strategies Guided by Through-the-Cycle Aggregate Mod
Slide 4: Key Messages
Key Messages Operating from a position of strength: robust liquidity, growing capital, 1 and strong deposit franchise 2 Rigorous through the cycle risk management approach 3 Dynamically managing through the current environment 4 Disciplined execution of strategy to drive top quartile performance 202
Slide 5: Huntington – Operating from a Position of Strength
Huntington – Operating from a Position of Strength High Quality Robust Strong Disciplined Deposit Base Liquidity Capital Credit Core strategy acquiring Proactive approach to 9.6% CET1 reflecting Rigorous client and deepening primary liquidity risk continued capital selection and bank relatio
Slide 6: Cumulative Deposit Growth Above Peers
Cumulative Deposit Growth Above Peers Cumulative Growth Rate of Average Deposits since 4Q21 (1) HBAN Peer Median Top / Bottom Quartile HBAN has consistently grown deposits over the course of last 1.9% 2.6% 2.4% 2.7% 0.4% year, despite a more challenging industry deposit environment 0.3% -1.0% HB
Slide 7: Capital Positioning | Building Over the Year
Capital Positioning | Building Over the Year Common Equity Tier 1 (CET1) Ratio Target operating range 9 – 10% 9.6% 9.3% 9.4% 9.2% 9.1% 1Q22 2Q22 3Q22 4Q22 1Q23 2Q23 3Q23 4Q23 CET1 Ratio (Reported and Adjusted)(1) 10.2% 10.0% 9.8% 10.1% 9.9% CET1 (Reported) 9.6% 9.2% 9.3% 9.1% 0.3% 1.5% 8.5% 1.6% 2.1
Slide 8: Optimizing Loan Growth for Returns
Optimizing Loan Growth for Returns Capital allocation guided by maximizing return on equity Loan optimization began in late 2022 and will continue for the near term with focus on managing to top tier returns inclusive of higher capital outlook Annualized Loan Growth (ADB basis) 10.6% 10.1% Optim
Slide 9: Strong Credit Quality | Guided by Aggregate Moderate-to-Low Risk Appetite
Strong Credit Quality | Guided by Aggregate Moderate-to- Low Risk Appetite Diversified Portfolio Provides Protection Top Quartile ACL Through Economic Cycles 1Q23 Other Asset RV/Marine Finance Peer 1 5% 15% Home Equity 4% 9% Peer 2 14% Mid Market, 11% Commercial 56% Corp, Specially HBAN 1.90% Auto C
Slide 10: 2023 Financial Considerations
2023 Financial Considerations Driving deposit growth through primary bank relationships and deepening Building capital over the course of the year Focused on incremental loan growth optimization for returns Managing through likely higher for longer interest rate scenario Executing on strat
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