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

Company: HUNTINGTON BANCSHARES INC /MD/
Filing Date: 2025-07-29
Form: 10-Q
Item: Part I, Item 1
Chunk 25
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 3 — — 3 0.02 Home equity— 4 — 4 8 0.08 Other consumer1 — — — 1 0.05 Total loans to borrowers experiencing financial difficulty in which modifications were made$92 $460 $11 $12 $575 0.43 %Six months ended June 30, 2024Commercial and industrial$84 $144 $— $42 $270 0.52 %Commercial real estate— 198 — 14 212 1.78 Residential mortgage— 23 4 1 28 0.12 Automobile— 7 — 1 8 0.06 Home equity— 3 — 6 9 0.09 Other consumer1 — — — 1 0.06 Total loans to borrowers experiencing financial difficulty in which modifications were made$85 $375 $4 $64 $528 0.42 %(1)Represents the amortized cost of loans modified during the reporting period as a percentage of the period-end loan balance by class.

58     Huntington Bancshares Incorporated

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The following table describes the financial effect of the modification made to borrowers experiencing financial difficulty.Interest Rate Reduction (1)Term Extension (1)Weighted-average contractual interest rateWeighted-average years added to the lifeFromToThree months ended June 30, 2025Commercial and industrial8.80 %6.38 %0.6Commercial real estate  0.8Residential mortgage7.1Three months ended June 30, 2024Commercial and industrial8.46 8.21 0.7Commercial real estate7.98 7.85 0.4Residential mortgage7.4Six months ended June 30, 2025Commercial and industrial8.32 %7.00 %0.9Commercial real estate1.0Residential mortgage6.5Six months ended June 30, 2024Commercial and industrial8.40 7.57 0.8Commercial real estate7.98 7.85 0.4Residential mortgage7.6(1)     Certain disclosures related to financial effects of modifications do not include those deemed to be immaterial.

2025 2Q Form 10-Q     59

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