Company: HBAN
Filing Date: 2025-10-28
Form Type: 425
Source: 0001140361-25-039508
Chunk: 3

Company: HUNTINGTON BANCSHARES INC /MD/
Filing Date: 2025-10-28
Form: 425
Chunk 3
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 over these 4 months. We've made a focus of ensuring we understand their markets, their operating model and their people. and we have strong line of sight on the actions needed to ensure a smooth conversion and how we'll drive significant success beyond that. For this reason, we are very -- we have very high confidence in achieving our expense synergies and also in driving future revenue synergies as a combined organization. As in our previous combinations, we are very intentional in the way that we build relationships that underpin long-term successful partnerships. Dan and the entire Cadence senior management team have been and will continue to be outstanding partners throughout this integration process and beyond. And we're delighted that Dan will join Huntington as Vice Chairman and member of the Board, will benefit from his wise counsel and over 4 decades of banking experience. Now I'll hand it over to Brant, who will dive deeper into how our proven operating model will integrate with Cadence to unlock even greater potential. Brantley J. Standridge Senior EVP and President of Consumer & Regional Banking Thank you, Steve. I'd like to direct everyone's attention to Slide 7. But I'd like to start by echoing Steve's comments and express my own thanks to Dan and the team for their strong partnership and engagement throughout this process. As Steve noted, our teams have spent a considerable amount of time together, and there's been a particular focus on diligence and key leadership. In addition, we conducted a detailed review of the loan portfolio, underwriting policies and portfolio management strategies, including collateral valuation. We also meticulously evaluated how our operating models will fit together, looking at every area of operational management. A key focus was on people and in particular, how we will organize the leadership structure. Their support has helped us accelerate many of our planning activities, including key decisions around personnel and positioned us to hit the ground running today. As we've discussed before, we have a differentiated operating model that is grounded in delivering powerful national capabilities to our local markets with local leadership and an integrated tailored approach. We've proven the success of this model in markets such as Ohio that has been in our franchise for many decades and where we have significant depth. We've also proven the effectiveness of the model in markets such as Illinois, Minnesota and Colorado that came to us through partnerships like the one we completed with TCF in 2021. Since that combination, we've deployed our full franchise into these markets. We've invested for growth, and we have driven significant share gains and business expansion, driving revenues