Company: HBAN
Filing Date: 2025-10-28
Form Type: 425
Source: 0001140361-25-039508
Chunk: 8

Company: HUNTINGTON BANCSHARES INC /MD/
Filing Date: 2025-10-28
Form: 425
Chunk 8
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 from this partnership will allow us to add even more investments. And those investments drive sustainable competitive advantage. We have the team, the capabilities and the products to win today, and we're building to further distance ourselves at the head of the pack. All of this is accomplished with strict adherence to our most important foundational principle, our aggregate moderate to low-risk appetite. Our partnership with Cadence reinforces this flywheel and we believe will drive significant value long into the future. Now I'll turn it back to Steve for a few closing remarks. Stephen D. Steinour Chairman, President & CEO Thank you, Zach. Turning to Slide 13, as we close our comments today, I want to share 2 final thoughts. Over the years, Huntington has become nimble, adapting and evolving where needed to steadfast in delivering the highest level of customer service and the results speak for themselves, consistent top-tier financial performance and earnings growth over many years in a manner consistent with our aggregate moderate to low-risk appetite. Looking forward, the combination with Cadence creates a top 10 regional banking powerhouse that is well positioned to grow in attractive markets and with a powerful platform for further investment. We're poised to deliver strong growth and top-tier returns long into the future. The flywheel created by the combination of these factors enables us to have a sustainable competitive advantage. This partnership enhances our vision to be the leading people-first customer-centered bank in the country, delivering significant value for our shareholders, customers and communities. Finally, we're thrilled to welcome our new colleagues to Huntington. We have never been better positioned. Eric Wasserstrom Head of Investor Relations and EVP Thank you. [ Kevin, ] we are now going to open the line for Q&A. I request that each participant ask one question followed by one follow-up question. And the IR team will be available for the rest of the day for any additional follow-ups.

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| spglobal.com/marketintelligence                                                                     |   |

CADENCE BANK M&A CALL OCT 27, 2025

Question and Answer Operator [Operator Instructions] Our first question today is coming from Jon Arfstrom from RBC Capital Markets. Jon Glenn Arfstrom RBC Capital Markets, Research Division Yes, looks like a good deal. Zach, maybe a question for you on the cost synergy target. Anything to note on the size of the expense saves? Or do you view that as fairly typical? I