Company: HBAN
Filing Date: 2025-07-14
Form Type: 425
Source: 0001140361-25-025734
Chunk: 20

Company: HUNTINGTON BANCSHARES INC /MD/
Filing Date: 2025-07-14
Form: 425
Chunk 20
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 or otherwise, will be contained in the proxy statement/prospectus and other relevant materials filed with the SEC. Free copies of this document may be obtained as described above under “Important Additional Information.”

Strong 2Q25 Preliminary Results; Announcing Partnership with Veritex Note: See reconciliations on slide 16 (ROTCE), slide 17 (Adj. CET1), slide 18 (TBVPS); adjusted CET1 based on estimated values 1 On a fully-taxable equivalent (FTE) basis assuming a 21% tax rate. 2 Excluding the $58M securities repositioning and $3M of notable items Highlights Robust Second Quarter Performance Delivering on organic growth strategies Driving strong revenue growth and positive operating leverage 2Q25 EPS results included $0.04 of impact to EPS resulting from a $58 million decrease in earnings from a securities repositioning and Notable Items that decreased earnings by $3 million Strong Credit & Growing Capital Achieving strong credit performance with NCOs below full-year guidance Growing capital and tangible book value per share Strategic Expansion Through Veritex Partnership Partnering with the right team with the right culture in the right markets to accelerate organic growth Experienced leadership to help drive expansion of combined platform in Texas YoY 2 Revenue (FTE)1 ROTCE Avg. Loans Avg. Deposits TBVPS NCO Ratio Adj. CET1 Key Metrics 2Q25 $1,954M 7.6% 13.3% 16.1% $133.2B 7.9% $163.4B 6.4% $9.13 15.7% 0.20% 9.0% EPS Impacts Securities Repositioning Notable Items Adj. ROTCE2 17.6% $0.34 ($0.04) ($0.03) ($0.01)

Generating Growth in the Core and New Initiatives Capturing Strategic Opportunities from a Position of Strength Source: Company Documents; 1 2Q25 vs 2Q23; 2 End of Period Growth December 31, 2023 thru June 30, 2025; 3 December 31, 2023 thru March 31, 2025 growth in primary Banking Relationships, internally defined by criteria based on customer type $13B Total Loan Growth since 20232 New Initiatives Core Markets New Geographies Fund Finance National Deposits Mortgage Servicing Deposits Lending Aerospace & Defense FIG Native