Company: HBAN
Filing Date: 2025-07-29
Form Type: 10-Q
Source: 0000049196-25-000063
Chunk: 90

Company: HUNTINGTON BANCSHARES INC /MD/
Filing Date: 2025-07-29
Form: 10-Q
Item: Part I, Item 2
Chunk 90
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 loan and lease type:Commercial:Commercial and industrial$32 $21 $80 $63 Commercial real estate(3)36 (11)49 Lease financing2 — 6 — Total commercial31 57 75 112 Consumer:Residential mortgage1 1 1 1 Automobile7 6 20 15 Home equity— — — — RV and marine5 4 12 9 Other consumer22 22 44 45 Total consumer35 33 77 70 Total net charge-offs$66 $90 $152 $182 Net charge-offs (recoveries) - annualized percentages:Commercial:Commercial and industrial0.22 %0.16 %0.28 %0.24 %Commercial real estate(0.14)1.19 (0.20)0.79 Lease financing0.12 0.02 0.22 0.01 Total commercial0.16 0.33 0.20 0.33 Consumer:Residential mortgage0.01 0.01 0.01 0.01 Automobile0.19 0.20 0.27 0.24 Home equity0.01 (0.01)0.01 — RV and marine0.33 0.25 0.39 0.31 Other consumer4.86 5.98 4.87 6.18 Total consumer0.25 0.24 0.27 0.26 Net charge-offs as a % of average loans and leases0.20 %0.29 %0.23 %0.30 %

NCOs were an annualized 0.20% of average loans and leases in the second quarter of 2025, down from 0.29% in the year-ago quarter, largely due to the net recoveries in commercial real estate loans in the current quarter. NCOs for commercial loans and leases were lower, with annualized commercial loan and lease NCOs of 0.16% in the second quarter of 2025, compared to 0.33% in the year-ago quarter. Annualized consumer loan NCOs of 0.25% in the second quarter of 2025 increased slightly compared to 0.24% in the