Company: HBAN
Filing Date: 2025-07-29
Form Type: 10-Q
Source: 0000049196-25-000063
Chunk: 60

Company: HUNTINGTON BANCSHARES INC /MD/
Filing Date: 2025-07-29
Form: 10-Q
Item: Part I, Item 1
Chunk 60
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 leadership structure, which is how management monitors results and assesses performance. Huntington reports on two business segments: Consumer & Regional Banking and Commercial Banking. All other items not included within our two business segments are reported within the Treasury / Other function, which primarily includes technology and operations and other unallocated assets, liabilities, revenue, and expense. For a description of our business segments, see Note 24 - “Segment Reporting” to the Consolidated Financial Statements appearing in Huntington’s 2024 Annual Report on Form 10-K. The following tables present certain operating basis financial information for each reportable business segment reconciled to Huntington’s consolidated financial results.Consumer & Regional BankingCommercial BankingTreasury / OtherHuntington Consolidated(dollar amounts in millions)Three months ended June 30, 2025Net interest income (loss)$1,014 $513 $(60)$1,467 Provision (benefit) for credit losses138 (35)— 103 Net interest income (loss) after provision (benefit) for credit losses876 548 (60)1,364 Noninterest income339 177 (45)471 Noninterest expense:Direct personnel costs305 149 268 722 Other noninterest expense, including corporate allocations535 168 (228)475 Total noninterest expense840 317 40 1,197 Income (loss) before income taxes375 408 (145)638 Provision (benefit) for income taxes78 86 (68)96 Income attributable to non-controlling interest— 6 — 6 Net income (loss) attributable to Huntington$297 $316 $(77)$536 Three months ended June 30, 2024Net interest income (loss)$1,007 $527 $(222)$1,312 Provision for credit losses76 24 — 100 Net interest income (loss) after provision for credit losses931 503 (222)1,212 Noninterest income322 164 5 491 Noninterest expense:Direct personnel costs285 148 230 663 Other noninterest expense, including corporate allocations503 152 (201)454 Total noninterest expense788 300 29 1,117 Income (loss) before income taxes465 367 (246)586 Provision (benefit) for income taxes97 77 (68)106 Income attributable to non-controlling interest—