Huntington Bancshares Incorporated · NASDAQ:HBAN
Huntington Bancshares — 2025 RBC Capital Markets Financial Institutions Conference
11 slides from Huntington Bancshares's conference presentation, Mar 5, 2025
Slide 1: 2025 RBC Capital Markets Financial Institutions Conference
2025 RBC Capital Markets Financial Institutions Conference March 5, 2025
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: Key Messages | Investor Day
Key Messages | Investor Day (a) Culture, Purpose, and Vision Delivered with a Differentiated Operating Model EB [serctencvivesitcarracnse | Ey [re tevemecrownterersinresoalandNatona Businesses | GB [resisoncrstrennwinsigorosnisktaragement | (all Huntington 2025 RBC Capital Markets Financial Institut
Slide 4: Our Vision
Our Vision Be the most Trusted financial institution To Be the Leading -Fj Enhance most Caring and People First, Inclusive Culture Customer-Centered Bank in the Be an Indispensable Partner n for Eelam Country Deliver Value through commitment to top-quartile core performance (all Huntington 2025 RBC
Slide 5: 2025 Management Focus
2025 Management Focus Executing * Delivering differentiated loan and deposit growth Organic * Continuing to acquire and deepen primary bank relationships, Growth inclusive of value-added fee revenues, loans, and deposits * Driving Net Interest Income higher supported by balance Drive sheet growth an
Slide 6: 1Q23 2Q23 3Q23 4Q23 1Q24 2Q24 3Q24 4Q24 1Q23 2Q23 3Q23 4Q23 1Q24 2Q24
1Q23 2Q23 3Q23 4Q23 1Q24 2Q24 3Q24 4Q24 1Q23 2Q23 3Q23 4Q23 1Q24 2Q24 3Q24 4Q24 • •
Slide 7: 0.38% 0.40% 0.42% 0.48% 0.47% 0.31% 0.30% 0.29% 0.30% 0.30% 4Q23 1Q24 2Q24 3Q24
0.38% 0.40% 0.42% 0.48% 0.47% 0.31% 0.30% 0.29% 0.30% 0.30% 4Q23 1Q24 2Q24 3Q24 4Q24 • • • • • • • 1.51% 1.62% 1.66% 1.67% 1.67% 1.64% 1.70% 1.97% 1.97% 1.95% 1.93% 1.88% CECL Day 1 4Q23 1Q24 2Q24 3Q24 4Q24
Slide 8: Driving Increasing Fee Income and Profitability
Driving Increasing Fee Income and Profitability ummm Noninterest income ($M) uum Strategic Value + Deepen customer Financial Value * High ROE relationships + Recurring revenues + Differentiated advice and expertise All Other Payments Wealth Mgmt. Capital Mkts 2021 2024 2027E Payments + Adding new ca
Slide 9: Payments | Driving Growth in Card & TM
Payments| Driving Growth in Card & TM + TM penetration continues to increase through deepening Commercial Payments efforts Revenues (Inc. TM) + Vertically aligned segment GR. specific solutions and expertise 40% CAS + Embedding into client workflows + Accelerating customer centered innovation and le
Slide 10: 2025 Management Focus
2025 Management Focus Executing Rigorous Drive Organic Risk Growth GOL Management (i! Huntington 2025 RBC Capital Markets Financial Institutions Conference 10
Slide 11: Notes
Notes Slide 6: (1) Source: S&P Global Market Intelligence and filings - Peers include CFG, CMA, FITB, KEY, MTB, PNC, RF, TFC, USB, ZION (2) New initiatives include North and South Carolina, Texas, Fund Finance, Healthcare Asset-based Lending, Native American Financial Services Slide 7: (1) Source: S
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