Company: HBAN
Filing Date: 2025-07-21
Form Type: S-4
Source: 0001140361-25-026508
Chunk: 80

Company: HUNTINGTON BANCSHARES INC /MD/
Filing Date: 2025-07-21
Form: S-4
Chunk 80
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 | 61.9%   |     | 60.5%      |

| (1) | First metric was as of or for the quarter ended March 31, 2025 and second metric was based on preliminary financials provided by Huntington management as of or for the quarter ended June 30, 2025. |

| (2) | Based on core net income after taxes and before extraordinary items, excluding gain on the sale of available for sale securities, amortization of intangibles, goodwill and nonrecurring items as defined by S&P Global Market Intelligence. |

| (3) | Excluded gain on sale of securities. |

KBW’s analysis showed the following concerning the financial condition of Huntington and the selected companies:

|                                          |     |               |     | Selected Companies |     |        |     |         |     |            |
|                                          |     | Huntington(1) |     | 25th               
 Percentile         |     | Median |     | Average |     | 75th       
 Percentile |
| Tangible Common Equity / Tangible Assets |     | 6.27% | 6.59% |     | 6.88%              |     | 7.24%  |     | 7.63%   |     | 8.55%      |
| Total Capital Ratio                      |     | 14.33%        |     | 13.92%             |     | 14.29% |     | 14.54%  |     | 15.05%     |
| Loans HFI / Deposits                     |     | 80.1% | 81.5% |     | 80.2%              |     | 75.7%  |     | 77.3%   |     | 73.3%      |
| Loan Loss Reserves / Loans               |     | 1.70% | 1.86% |     | 1.37%              |     | 1.53%  |     | 1.54%   |     | 1.67%      |
| Nonperforming Assets / Loans + OREO      |     | 0.45%         |     | 1.07%              |     | 0.88%  |     | 1.02%   |     | 0.82%      |
| 2025Q1 Net Charge-Offs / Average Loans