Company: HBAN
Filing Date: 2025-02-14
Form Type: 10-K
Source: 0000049196-25-000020
Chunk: 179

Company: HUNTINGTON BANCSHARES INC /MD/
Filing Date: 2025-02-14
Form: 10-K
Item: Item 7
Chunk 179
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(2)Yield/rates include the impact of applicable derivatives. Loan and lease and deposit average yield/rates also include impact of applicable non-deferrable and amortized fees.

(3)For purposes of this analysis, NALs are reflected in the average balances of loans and leases.

2024 Form 10-K     51

Table of Contents

Table 2 - Consolidated Average Balance Sheet and Net Interest Margin Analysis (Continued) Year Ended December 31,20232022AverageInterest Income/ ExpenseYield/AverageInterest Income/ ExpenseYield/Change in Average Balances(dollar amounts in millions)Balances(FTE) (1)Rate (2)Balances(FTE) (1)Rate (2)AmountPercentAssets:Interest-earning deposits with banks$9,309 $492 5.30 %$4,852 $83 1.70 %$4,457 92 %Securities:Trading account securities77 4 5.14 32 1 4.14 45 141 Available-for-sale securities:Taxable20,539 1,016 4.95 21,994 576 2.62 (1,455)(7)Tax-exempt2,720 132 4.84 2,842 94 3.32 (122)(4)Total available-for-sale securities23,259 1,148 4.93 24,836 670 2.70 (1,577)(6)Held-to-maturity securities—taxable16,507 401 2.43 16,509 351 2.13 (2)— Other securities933 53 5.70 845 27 3.16 88 10 Total securities40,776 1,606 3.94 42,222 1,049 2.48 (1,446)(3)Loans held for sale554 35 6.34 973 41 4.24 (419)(43)Loans and leases: (3)Commercial:Commercial and industrial49,640 2,991 6.03 45,362 1,956 4.31 4,278 9 Commercial real estate13,140 972 7.40 13,524 602 4.45 (384)(3)Lease financing5,128