Company: HBAN
Filing Date: 2025-10-28
Form Type: 10-Q
Source: 0000049196-25-000079
Chunk: 26

Company: HUNTINGTON BANCSHARES INC /MD/
Filing Date: 2025-10-28
Form: 10-Q
Item: Part I, Item 1
Chunk 26
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 0.23 Automobile— 6 — — 6 0.04 Home equity— 6 — 7 13 0.13 RV and marine— 1 — — 1 0.02 Other consumer1 — — — 1 0.05 Total loans to borrowers experiencing financial difficulty in which modifications were made$92 $525 $14 $13 $644 0.47 %Nine months ended September 30, 2024Commercial and industrial$42 $240 $— $63 $345 0.64 %Commercial real estate— 228 — 25 253 2.19 Residential mortgage— 37 5 3 45 0.19 Automobile— 10 — 1 11 0.08 Home equity— 4 — 9 13 0.13 RV and marine— 1 — — 1 0.02 Other consumer1 — — — 1 0.06 Total loans to borrowers experiencing financial difficulty in which modifications were made$43 $520 $5 $101 $669 0.55 %(1)Represents the amortized cost of loans modified during the reporting period as a percentage of the period-end loan balance by class.

2025 3Q Form 10-Q     57

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 September 30, 2025Commercial and industrial9.93 %8.16 %0.7Commercial real estate0.3Residential mortgage6.1Three months ended September 30, 2024Commercial and industrial7.81 %6.56 %0.7Commercial real estate1.0Residential mortgage5.8Nine months ended September 30, 2025Commercial and industrial8.67 %7.32 %1.1Commercial real estate0.8Residential mortgage6.2Nine months ended September 30, 2024Commercial and industrial8.80 %7.60 %0.8Commercial real estate8.26 7.90 1.0Residential mortgage6.9(1