Huntington Bancshares Incorporated · NASDAQ:HBAN
Huntington Bancshares — Q1 2021 Earnings Presentation
66 slides from Huntington Bancshares's earnings presentation, Apr 22, 2021
Slide 1: 2021 First Quarter Earnings Review
2021 First Quarter Earnings Review April 22, 2021 The Huntington National Bank is Member FDIC. ®, Huntington® and Huntington. Welcome.® are federally registered service marks of Huntington Bancshares Incorporated. ©2021 Huntington Bancshares Incorporated.
Slide 2: Disclaimer
Disclaimer CAUTION REGARDING FORWARD‐LOOKING STATEMENTS This communication may contain certain forward‐looking statements, including, but not limited to, certain plans, expectations, goals, projections, and statements about the benefits of the proposed transaction, the plans, objectives, expectation
Slide 3: Building the Leading People-First, Digitally-Powered Bank
Building the Leading People‐First, Digitally‐Powered Bank Creating a sustainable competitive advantage with focused investment in customer experience, product differentiation, and key growth initiatives We are a Purpose‐driven company Our Purpose is to make people’s lives better, help businesses t
Slide 4: TCF Integration Update
TCF Integration Update Dec. 13, 2020 Feb. 12, 2021 Apr. 5, 2021 Late 2Q21 Announced Completed joint Submitted Expected legal acquisition of proxy Capital Plan close of TCF Financial transaction Actions Taken Next Steps Jan. 11, 2021 Mar. 25, 2021 May 2021 Late 3Q21 Filed applications Received Antici
Slide 5: 2021 First Quarter Financial Highlights
2021 First Quarter Financial Highlights Revenue growth of 19% year‐over‐year supporting strategic investment Revenue (FTE) EPS TBVPS $1.4 billion $0.48 $8.64 19% Y/Y $0.45 per share 4% Y/Y Efficiency Ratio ROA ROTCE 57.0% 1.76% 23.7% 1.6 percentage pts Y/Y 159 basis points Y/Y 21.9 percentage pts Y/
Slide 6: Pretax, Pre-Provision Earnings
Pretax, Pre‐Provision Earnings Continued momentum in PTPP growth illustrates strong underlying earnings power and economic recovery taking hold Year‐Over‐Year Change ($ in millions) 1Q21 1Q20 $ % Net interest income (FTE) $978 $796 $182 23% Noninterest income $395 $361 $34 9% Total revenue $1,373 $1
Slide 7: Net Interest Income
Net Interest Income Year‐over‐year 12% increase in average earning assets and 34 basis points of net interest margin expansion drive net interest income growth $ in millions Net Interest Income (FTE) $1,000.00 +23% 3.80% $950.00 $978 3.70% 3.60% NIM change LQ 4Q20: 2.94% 3.48% $900.00 Hedging / deri
Slide 8: Interest Rate Caps
Interest Rate Caps Capital protection strategy Objective Interest Rate Caps The caps strategy was designed to protect capital against rising interest rates 3.00% over the intermediate to long term $5,000 Initial Action 0.98% $3,000 Purchased $5 billion (long position) of interest rate caps in 4Q
Slide 9: Average Earning Assets
Average Earning Assets Elevated deposits at the Federal Reserve Bank and PPP loans drive year‐over‐ year earning asset growth Average Quarterly Growth Year‐over‐Year Average Growth Linked Quarter Other Earning Assets: +$5.9 350% Total Securities: +$2.1 9% C&I: +$3.5 11% Other Earning Assets: +$0.6 9
Slide 10: Average Non-Equity Funding
Average Non‐Equity Funding Demand deposits drive robust year‐over‐year growth in core deposits Average Quarterly Growth Year‐over‐Year Average Growth Linked Quarter DDA‐Nonint. Bearing: +$9.0 45% DDA‐Int. Bearing: +$1.7 7% DDA‐Int. Bearing: +$5.6 26% DDA‐Nonint. Bearing: +$1.0 3% Savings / Other: +$
Slide 11: Paycheck Protection Program (PPP) Update
Paycheck Protection Program (PPP) Update $7.00 Average PPP Loans PPP Loans as of 3/31/2021 $6.00 $6.1 $6.2 Loans $5.00 $5.8 Original program: $6.6 billion of loans approved $4.00 $4.1 38,500 total loans approved $3.00 Current program: $1.8 billion of loans approved with expectation of $2.00 ap
Slide 12: Capital and Liquidity
Capital and Liquidity Managing capital and liquidity consistent with our aggregate moderate‐to‐low risk appetite $0.95 EOP Loan to Deposit Ratio $2.10 EOP Modified Liquidity Coverage Ratio (1) $2.00 $0.90 188% 190% 90% $1.90 183% $0.85 $1.80 86% 85% 170% $1.70 $0.80 82% $1.60 $0.75 79% 147% $1.50 $0
Slide 13: Allowance for Credit Losses (ACL)
Allowance for Credit Losses (ACL) Improving economic outlook drives reserve release $1,878 $1,866 $1,821 Multiple scenarios utilized while using February 2.50% of $1,741 2.45% of loans ex. 2.46% of baseline as foundation loans ex. PPP loans ex. PPP PPP 2.33% of loans ex. Economic outlook and vac
Slide 14: Asset Quality and Reserve Trends
Asset Quality and Reserve Trends Net charge‐off ratio significantly improved and other asset quality metrics stable Net Charge‐off Ratio ACL and ALLL Ratios ACL Ratio 0.62% ALLL Ratio 0.54% 0.56% 0.55% 2.27% 2.31% 2.29% 2.05% 2.17% 0.32% 2.21% 2.22% 2.12% 2.12% 1.93% 1Q20 2Q20 3Q20 4Q20 1Q21 1Q20 2Q
Slide 15: Select Investments in 2021 Strategic Initiatives
Select Investments in 2021 Strategic Initiatives Consumer and Commercial Wealth Vehicle Business Banking Banking Management Finance Transitioning sales to Digital onboarding & Digital and in‐branch Geographic expansion digital direct and sales enablement unified, full‐service digitally assis
Slide 16: Consumer and Business Banking Digital Metrics
Consumer and Business Banking Digital Metrics Digital Engagement Digital Originations Average Monthly Active Digital Users(1) New Consumer Deposit Accounts (Millions) Includes Checking, Savings, MMA +10% YoY 2.37 51% 2.26 43% 44% 2.23 2.20 30% 2.16 28% 1Q20 2Q20 3Q20 4Q20 1Q21 1Q20 2Q20 3Q20 4Q20 1Q
Slide 17: 2021 Full-Year Expectations – Standalone Huntington
2021 Full‐Year Expectations – Standalone Huntington 2021 vs. 2020 Commentary • Reflects flat to modestly higher commercial loans (inclusive of PPP) and low‐single digit Avg Loans growth in consumer loans; excluding PPP, low‐single digit growth in both + 1‐3% 2020 = $79.4 billion • Expectation for ac
Slide 18: Reconciliation
Reconciliation Tangible common equity, ROTCE, and ACL ratio ex. PPP loans ($ in millions) 1Q21 4Q20 1Q20 Average common shareholders’ equity $10,858 $10,749 $10,433 Less: intangible assets and goodwill 2,176 2,185 2,217 Add: net tax effect of intangible assets 39 41 48 Average tangible common shareh
Slide 19: Reconciliation
Reconciliation 1Q21 Significant Items impacting financial performance comparisons Adjusted Noninterest Expense Noninterest Impact of Adjusted Noninterest ($ in millions) Expense (GAAP) Significant Items Expense (Non‐GAAP) Personnel costs $468 $0 $468 Outside data processing and other services 115 8
Slide 20: Appendix
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Slide 21: 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 22: Basis of Presentation
Basis of Presentation Rounding Please note that columns of data in this document may not add due to rounding. Significant 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
Slide 23: Table of Contents
Table of Contents Income Statement 24 Net Interest Income 25 Noninterest Income 26 Noninterest Expense 27 Mortgage Banking Noninterest Income 28 Balance Sheet 29 Balance Sheet Management Strategy 30 Deposit Composition 31 Loan Composition 33 Investment Securities 36 Commercial Loan Detail 38 Consume
Slide 24: Income Statement
Income Statement (4) Huntington Welcome: ; JOC ATX
Slide 25: Net Interest Margin (FTE)
Net Interest Margin (FTE) NIM up 34 basis points year‐over‐year reflecting the benefit of interest rate caps mark‐to‐market and PPP loans Net Interest Margin Trends Components of Cost of Interest‐Bearing Liabilities 3.88% 2.70% 2.58% 3.48% 3.35% 3.22% 3.13% 1.46% 1.87% 1.72% 3.14% 3.11% 2.94% 2.96%
Slide 26: Noninterest Income
Noninterest Income Continued strength in mortgage banking income drives year‐over‐year growth in noninterest income Change in Quarterly Noninterest Income Year‐over‐Year Total Noninterest Income Mtg banking: +$42 72% +9% Cards & payment: +$7 12% $409 $395 Trust & inv mgmt: +$5 $361 11% Insurance: +$
Slide 27: Noninterest Expense
Noninterest Expense Continued investment in talent and technology drive expense growth Change in Quarterly Noninterest Expense Year‐over‐Year Total Expense +22% Personnel costs: +$73 18% $793 Outside data processing: +$30 35% $756 Other expense: +$22 43% $652 Professional services: +$6 55% Equipment
Slide 28: Mortgage Banking Noninterest Income Summary
Mortgage Banking Noninterest Income Summary $145 Mortgage Banking Income (MBI) Salable Production Mix $122 $125 $2 $120 $100 $105 $96 $90 $5 55% 54% 56% $85 $96 $95 $95 65% 68% $65 $58 $4 $45 $54 4.67% $25 3.93% 3.85% 3.55% 45% 46% 44% 3.13% 35% $5 32% $(5) $(15) 1Q20 2Q20 3Q20 4Q20 1Q21 1Q20 2Q20 3
Slide 29: Balance Sheet
Balance Sheet (4) Huntington Welcome: ; JOC ATX
Slide 30: Balance Sheet Management Strategy
Balance Sheet Management Strategy Loan by Rate Index(1) Loan by Rate Index(1) Hybrid ARMs Hybrid ARMs 9% Variable 9% Variable (>1‐month) (>1‐month) 4% 4% Variable Fixed Fixed (1‐month) 49% Variable 49% Unhedged (1‐month) Impact of Hedging 20% 38% Variable (1‐month) Hedged 18% An integral part of o
Slide 31: Average Deposit Composition: $99.3 Billion
Average Deposit Composition: $99.3 Billion 1Q21 average balances Average Balance by Type Average Balance by Segment 1% 0% 3% 4% 1% 7% 12% 29% 25% 26% 63% 27% Demand ‐ Noninterest Bearing $29.1B Consumer and Business Banking: $62.3B Demand ‐ Interest Bearing $26.8B Commercial Banking: $25.1B Money Ma
Slide 32: Total Core Deposit Trends
Total Core Deposit Trends 1Q21 vs 1Q21 vs Average ($ in billions) 1Q21 4Q20(1) 1Q20 Commercial Demand deposits – noninterest bearing $ 22.0 6) % 47) % Demand deposits – interest bearing 15.2 24) 22) Total commercial DDA 37.2 13) 36) Other core deposits(2) 7.9 4) 1) Total commercial core deposits 45.
Slide 33: Average Loan Composition: $80.3 Billion
Average Loan Composition: $80.3 Billion 1Q21 average balances Average Balance by Type Average Balance by Segment 1% 8% 5% 43% 34% 15% 25% 11% 9% 16% 33% C&I $34.4B Commercial Real Estate $7.2B Consumer and Business Banking: $27.1B Auto $12.7B Commercial Banking: $26.7B Home Equity $8.8B Vehicle Fina
Slide 34: Consumer and Commercial Asset Trends
Consumer and Commercial Asset Trends 1Q21 vs 1Q21 vs Average ($ in billions) 1Q21 4Q20(1) 1Q20 Commercial Commercial and industrial loans $ 34.4 (6) % 11) % Commercial real estate: Construction loans 1.1 (12) (10) Commercial loans 6.1 2) 10) Total commercial loans 41.5 (5) 11) Commercial bonds(2) 3.
Slide 35: Change in Common Shares Outstanding
Change in Common Shares Outstanding There were no shares repurchased in 1Q21 Share count in millions 1Q21 4Q20 3Q20 2Q20 1Q20 4Q19 3Q19 2Q19 Beginning shares outstanding 1,017 1,017 1,017 1,014 1,020 1,033 1,038 1,046 Employee equity compensation 1 0 0 3 1 0 0 3 Share repurchases 0 0 0 0 (7) (13)
Slide 36: Securities Mix and Yield
Securities Mix and Yield(1) Securities Portfolio Mix Securities Portfolio Yield $30 ($ in billions) 3.25% Held‐to‐maturity Available‐for‐sale 3.01% 2.94% 3.00% 2.87% $25 2.79% 2.75% 2.75% $20 2.52% 2.54% 2.51% 2.50% 2.50% 2.50% 2.39% 17.5 13.9 14.4 14.8 2.28% 13.4 14.0 13.8 13.9 13.5 2.39% $15 2.25%
Slide 37: AFS and HTM Securities Overview
AFS and HTM Securities Overview(1) March 31, 2021 December 31, 2020 March 31, 2020 ($mm) % of Remaining % of Remaining % of Remaining AFS Portfolio Carry Value Portfolio Life to Maturity Yield(3) Carry Value Portfolio Life to Maturity Yield(3) Carry Value Portfolio Life to Maturity Yield(3) U.S. Tre
Slide 38: Total Commercial Loans – Granularity
Total Commercial Loans – Granularity End of period outstandings of $41.6 billion # of Loans by Size Loans by Dollar Size 9% 16% 35% 64,713 97% 1,714 27% 13% 3% < $5 MM $5+ MM < $5 MM: $14.7B $5 MM ‐ < $10 MM 762 $5 MM ‐ < $10 MM: $5.3B $10 MM ‐ < $25 MM 697 $10 MM ‐ <$25 MM: $11.0B $25 MM ‐ < $50 MM
Slide 39: Commercial and Industrial: $34.5 Billion
Commercial and Industrial: $34.5 Billion Diversified by sector and geographically within our Midwest footprint; asset finance and specialty lending in extended footprint Strategic focus on middle market companies with $20 ‐ $500 million in sales and Business Banking customers with <$20 million i
Slide 40: C&I – Auto Industry
C&I – Auto Industry End of period balances Outstandings ($ in millions) 1Q21 4Q20 3Q20 2Q20 1Q20 Suppliers(1) Domestic $ 922 $ 923 $ 910 $ 977 $ 883 Foreign 0 0 0 0 0 Total suppliers 922 923 910 977 883 Dealers Floorplan‐domestic 1,377 1,725 1,593 1,562 2,309 Floorplan‐foreign 862 944 810 883 1,207
Slide 41: Commercial Real Estate: $7.2 Billion
Commercial Real Estate: $7.2 Billion Long‐term, meaningful relationships with opportunities for additional cross‐sell o Primarily Midwest footprint projects generating adequate return on capital o Proven CRE participants… 28+ years average CRE experience o >80% of the loans have personal guarantee
Slide 42: Automobile: $12.6 Billion
Automobile: $12.6 Billion Extensive relationships with high quality dealers o Huntington consistently in the market for nearly 70 years o Dominant market position in the Midwest with ~4,200 dealers o Floorplan and dealership real estate lending, core deposit relationship, full Treasury Management,
Slide 43: Auto Loans – Production and Credit Quality
Auto Loans – Production and Credit Quality 1Q21 4Q20 3Q20 2Q20 1Q20 4Q19 3Q19 2Q19 1Q19 Originations Amount ($ in billions) $1.4 $1.4 $1.7 $1.2 $1.6 $1.9 $1.6 $1.3 $1.2 % new vehicles 49% 54% 48% 36% 47% 52% 46% 40% 42% Avg. LTV 87% 86% 89% 90% 89% 88% 90% 92% 90% Avg. FICO 771 774 777 770 778 781 7
Slide 44: Auto Loans – Origination Trends
Auto Loans – Origination Trends Loan originations from 2014 through 1Q21 demonstrate strong characteristics and continued improvements from pre‐2010 Credit scoring model most recently updated in January 2017 2016‐2019 net charge‐offs impacted by acquisition of FirstMerit, including purchase acco
Slide 45: Home Equity: $8.7 Billion
Home Equity: $8.7 Billion Focused on geographies within our Midwest footprint with relationship customers Focused on high quality borrowers… portfolio as of 1Q21: o Average weighted FICO scores of 750+ o Average weighted LTVs of <85% for junior liens and <75% for 1st‐liens o Approximately 61% ar
Slide 46: Home Equity – Origination Trends
Home Equity – Origination Trends Consistent origination strategy since 2010 HPI Index is at highest level since pre‐2007 – consistent with general assessment of the overall market Focused on high quality borrowers… 1Q21 originations: o Average weighted FICO scores of 750+ o Average weighted LT
Slide 47: Residential Mortgages: $12.1 Billion
Residential Mortgages: $12.1 Billion Traditional product mix focused on geographies within our Midwest footprint Early identification of at‐risk borrowers. “Home Savers” program has a 75% success rate Credit Quality Review 1Q21 4Q20 3Q20 2Q20 1Q20 Period end balance ($ in billions) $12.1 $12.1 $
Slide 48: Residential Mortgages – Origination Trends
Residential Mortgages – Origination Trends Consistent origination strategy since 2010 HPI Index is at highest level since pre‐2007 – consistent with general assessment of the overall market Average 1Q21 portfolio origination: purchased / refinance mix of 30% / 70% ($ in billions) 1Q21 2020 201
Slide 49: RV and Marine: $4.2 Billion
RV and Marine: $4.2 Billion Indirect origination via established dealers in 34 states o Entered business in 2016 via FirstMerit acquisition; 2017‐2018 expansion into new states Centrally underwritten with focus on super prime borrowers Underwriting aligns with Huntington’s origination standard
Slide 50: RV and Marine – Origination Trends
RV and Marine – Origination Trends Tightened underwriting standards post‐FirstMerit acquisition along with geographic expansion, primarily into the Southeast and the West Net charge‐offs impacted by acquisition of FirstMerit, including purchase accounting treatment of acquired portfolio A ($ in
Slide 51: Stable, Diversified Sources of Wholesale Funds
Stable, Diversified Sources of Wholesale Funds Historical issuance and current ratings Wholesale Funding Issuances and Maturities ($ in billions) 2.5 2.0 2.0 2.0 1.7 1.6 1.3 1.1 1.0 1.1 0.7 0.8 0.5 0.6 0.5 0.5 2016 2017 2018 2019 2020 YTD 3/31/21 Preferred Equity Issued Senior Debt Matured Senior De
Slide 52: Stable, Diversified Sources of Wholesale Funds
Stable, Diversified Sources of Wholesale Funds Smooth runoff profile and optimization of funding costs 0.9 HoldCo Sr. Quarterly Maturities Through 2025 0.8 HoldCo Sub 0.7 Bank Sr. 0.6 $ in billions 0.5 0.4 0.3 0.2 0.1 0.0 2Q21 4Q21 2Q22 4Q22 2Q23 4Q23 2Q24 4Q24 2Q25 4Q25 Objectives Annual Maturities
Slide 53: Credit Quality Review
Credit Quality Review (4) Huntington Welcome: ; JOC mW se We A
Slide 54: Credit Quality Trends Overview
Credit Quality Trends Overview 1Q21 4Q20 3Q20 2Q20 1Q20 Net charge‐off ratio 0.32% 0.55% 0.56% 0.54% 0.62% 90+ days PD and accruing 0.19 0.21 0.22 0.24 0.21 NAL ratio(1) 0.64 0.65 0.70 0.81 0.72 NPA ratio(2) 0.68 0.69 0.74 0.89 0.75 Criticized asset ratio(3) 3.97 3.91 4.35 4.95 3.59 ALLL ratio 2.12
Slide 55: Consumer Loan Delinquencies
Consumer Loan Delinquencies(1) 30+ Days 90+ Days 1.36% 1.15% 1.18% 1.09% 1.06% 2.28% 2.29% 2.18% 2.10% 1.88% 1.22% 1.26% 1.11% 0.48% 1.03% 0.41% 0.42% 0.41% 0.88% 0.90% 0.93% 0.38% 0.69% 0.54% 0.53% 0.80% 0.16% 0.68% 0.13% 0.12% 0.12% 0.11% 0.51% 0.47% 0.47% 0.06% 0.06% 0.07% 0.07% 0.04% 1Q20 2Q20 3
Slide 56: Total Commercial Loan Delinquencies
Total Commercial Loan Delinquencies 30+ Days(1) 90+ Days(2) 0.30% 0.19% 0.15% 0.12% 0.15% 0.03% 0.03% 0.02% 0.02% 0.02% 1Q20 2Q20 3Q20 4Q20 1Q21 1Q20 2Q20 3Q20 4Q20 1Q21 See notes on slide 66 2021 First Quarter Earnings Review 56
Slide 57: Net Charge-Offs
Net Charge‐Offs Total Commercial Loans Total Consumer Loans ($ in millions) NCOs ($ in millions) NCOs Annualized % Annualized % 0.89% 0.85% 0.86% 0.75% $89 $90 $83 $80 0.47% 0.35% 0.30% 0.24% 0.22% $49 0.16% $34 $27 $24 $22 $15 1Q20 2Q20 3Q20 4Q20 1Q21 1Q20 2Q20 3Q20 4Q20 1Q21 2021 First Quarter Ear
Slide 58: Nonperforming Asset Flow Analysis
Nonperforming Asset Flow Analysis End of Period ($ in millions) 1Q21 4Q20 3Q20 2Q20 1Q20 NPA beginning‐of‐period $563 $602 $713 $586 $498 Additions / increases 129 248 190 279 274 Return to accruing status (33) (108) (47) (25) (18) Loan and lease losses (52) (73) (102) (61) (91) Payments (55) (82) (
Slide 59: Criticized Commercial Loan Analysis
Criticized Commercial Loan Analysis End of Period ($ in millions) 1Q21 4Q20 3Q20 2Q20 1Q20 Criticized beginning‐of‐period $2,830 $3,173 $3,601 $2,473 $2,394 Additions / increases 339 473 355 1,411 510 Advances 214 86 120 329 187 Upgrades to “Pass” (148) (395) (407) (111) (100) Paydowns (330) (577) (
Slide 60: Franchise and Leadership
Franchise and Leadership (4) Huntington Welcome: JOC mW se We A
Slide 61: Huntington Overview
Huntington Overview We serve our customers through a banking network of over 800 retail branches as well as digital, telephone, and ATM banking capabilities. OUR GEOGRAPHIC FOOTPRINT RETAIL FOOTPRINT PRODUCTS: EXTENDED FOOTPRINT PRODUCTS: Consumer Asset Finance Business Banking Auto Commercial Corpo
Slide 62: Experienced, Diverse Executive Leadership Team
Experienced, Diverse Executive Leadership Team Stephen Steinour Donald Dennis Paul Heller Chairman, President, and CEO, Executive Vice President, Senior Executive Vice President, Huntington Bancshares Incorporated Chief Diversity, Equity, and Chief Technology and Operations and The Huntington Nation
Slide 63: Deeply Engaged, Diverse Board of Directors
Deeply Engaged, Diverse Board of Directors Stephen Steinour Lizabeth Ardisana Alanna Cotton Chairman, President, and CEO, CEO and Principal Owner Global Chief Marketing Officer Huntington Bancshares Incorporated ASG Renaissance, LLC Still Beverages, and The Huntington National Bank The Coca‐Cola Com
Slide 64: Notes
Notes Slide 8: (1) Potential quarterly volatility with the mark‐to‐market remains Slide 12: (1) As of December 31, 2019, Huntington is no longer subject to the Federal Reserve’s modified Liquidity Coverage Ratio. (2) March 31, 2021 figures are estimated. Amounts are presented on a Basel III standard
Slide 65: Notes
Notes Slide 37: (1) End of period (2) Tax‐equivalent yield on municipal securities calculated as of March 31, 2021 using 21% corporate tax rate (3) Weighted average yields were calculated using carry value Slide 39: (1) All amounts represent accruing purchased impaired loans; under the applicable ac
Slide 66: Notes
Notes Slide 50: (1) RV/Marine LTV based on wholesale value Slide 54: (1) NALs divided by total loans and leases (2) NPAs divided by the sum of loans and leases, net other real estate owned, and other NPAs (3) Criticized assets = commercial criticized loans + consumer loans >60 DPD + OREO; Total crit
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