Company: HBAN
Filing Date: 2025-12-23
Form Type: 8-K
Source: 0001140361-25-046428
Chunk: 2

Company: HUNTINGTON BANCSHARES INC /MD/
Filing Date: 2025-12-23
Form: 8-K
Item: Item 9.01
Chunk 2
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 changes in general economic,
political, or industry conditions; deterioration in business and economic conditions, including persistent inflation, supply chain issues or labor shortages, instability in global economic conditions and geopolitical matters, as well as volatility in
financial markets; changes in U. S. trade policies, including the imposition of tariffs and retaliatory tariffs; the impact of pandemics and other catastrophic events or disasters on the global economy and financial market conditions and our business,
results of operations, and financial condition; the impacts related to or resulting from bank failures and other volatility, including potential increased regulatory requirements and costs, such as Federal Deposit Insurance Corporation (the “ FDIC”)
special assessments, long-term debt requirements and heightened capital requirements, and potential impacts to macroeconomic conditions, which could affect the ability of depository institutions, including us, to attract and retain depositors and to
borrow or raise capital; unexpected outflows of uninsured deposits which may require us to sell investment securities at a loss; changing interest rates which could negatively impact the value of our portfolio of investment securities; the loss of
value of our investment portfolio which could negatively impact market perceptions of us and could lead to deposit withdrawals; the effects of social media on market perceptions of us and banks generally; cybersecurity risks; uncertainty in U. S.
fiscal and monetary policy, including the interest rate policies of the Board of Governors of the Federal Reserve System (the “ Federal Reserve”); volatility and disruptions in global capital, foreign exchange and credit markets; movements in interest
rates; competitive pressures on product pricing and services; success, impact, and timing of our business strategies, including market acceptance of any new products or services including those implementing our “ Fair Play” banking philosophy; changes
in policies and standards for regulatory review of bank mergers; the nature, extent, timing, and results of governmental actions, examinations, reviews, reforms, regulations, and interpretations, including those related to the Dodd-Frank Wall Street
Reform and Consumer Protection Act and the Basel III regulatory capital reforms, as well as those involving the Securities and Exchange Commission (the “ SEC”), the Office of the Comptroller of the Currency, the Federal Reserve, the FDIC, the Consumer
Financial Protection Bureau and state-level regulators; the occurrence of any event, change or other circumstances that could give rise to the right of one or both of the parties to terminate the merger agreement between Huntington and Cadence; the
outcome of any legal proceedings that may be instituted against Huntington or Cadence; delays in completing the proposed transaction involving