Company: HBAN
Filing Date: 2025-10-28
Form Type: 425
Source: 0001140361-25-039508
Chunk: 14

Company: HUNTINGTON BANCSHARES INC /MD/
Filing Date: 2025-10-28
Form: 425
Chunk 14
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 President of Consumer & Regional Banking Manan, a couple of points I would make. This is Brant. First of all, as it relates to the organic plans that we have in North and South Carolina and other places, those are fully funded, and we have dedicated teams. And so those things continue. We have also dedicated resources to our integration planning and execution. And those resources are -- have been obviously operational for quite some period of time. And the integration with Veritex is going quite well. In fact, we would plan to execute the conversion early first quarter. Steve mentioned this a number of times, but as it relates to Cadence, we also have a lot of early planning that's taken place.

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| spglobal.com/marketintelligence                                                                     |    |

CADENCE BANK M&A CALL OCT 27, 2025

The technology, the integration teams have been meeting well in advance of today's announcement. We've had lots of conversations about operating model and key talent decisions, which will be helpful as we move into the integration. And we've also had a chance to take the time lines for both integrations and stack them on top of each other and have a level of confidence that we can effectively deliver. The last comment I would make is the company has a history with the rigor that we display of executing these integrations both efficiently and seamlessly. And I would expect we will do that in these 2 as well. Stephen D. Steinour Chairman, President & CEO So these have been purposely sequenced, Manan, and we're going to be very busy, of course, and very focused. We've got -- we're going to drive organic growth at peer-leading levels. And we're going to get these 2 integrations done very successfully. So we have a lot on our plate. We're fully committed to delivering both. Eric Wasserstrom Head of Investor Relations and EVP Kevin, I think we have time for one more. Operator Our final question today is coming from Ken Usdin from Autonomous Research. Kenneth Michael Usdin Bernstein Autonomous LLP If I could clean up a couple of quick things. First of all, the loan rate mark, the $1.56 billion. Do you have a general sense of what that expected life is for that piece of the accretion? Zachary J. Wasserman CFO & Senior EVP Yes. Ken, this is Zach.