Company: HBAN
Filing Date: 2025-02-14
Form Type: 10-K
Source: 0000049196-25-000020
Chunk: 178

Company: HUNTINGTON BANCSHARES INC /MD/
Filing Date: 2025-02-14
Form: 10-K
Item: Item 7
Chunk 178
---
 other intangible assets5,680 5,731 (51)(1)All other assets9,427 8,663 764 9 Total assets$196,260 $187,556 $8,704 5 %Liabilities and Shareholders’ Equity:Interest-bearing deposits:Demand deposits—interest-bearing$40,401 $858 2.12 %$39,901 $703 1.76 %$500 1 %Money market deposits54,702 1,994 3.64 44,958 1,365 3.04 9,744 22 Savings deposits15,141 15 0.10 17,502 3 0.02 (2,361)(13)Time deposits15,343 705 4.60 11,042 426 3.86 4,301 39 Total interest-bearing deposits125,587 3,572 2.84 113,403 2,497 2.20 12,184 11 Short-term borrowings1,147 69 5.99 3,081 179 5.81 (1,934)(63)Long-term debt15,224 935 6.14 13,324 801 6.01 1,900 14 Total interest-bearing liabilities141,958 4,576 3.22 129,808 3,477 2.68 12,150 9 Demand deposits—noninterest-bearing29,479 33,985 (4,506)(13)All other liabilities5,123 5,080 43 1 Total liabilities176,560 168,873 7,687 5 Total Huntington shareholders’ equity19,651 18,634 1,017 5 Non-controlling interest49 49 — —Total equity19,700 18,683 1,017 5 Total liabilities and equity$196,260 $187,556 $8,704 5 %Net interest rate spread2.33 2.54 Impact of noninterest-bearing funds on NIM0.67 0.65 NII/NIM (FTE)$5,398 3.00 %$5,481 3.19 %

(1)FTE yields are calculated assuming a 21% tax rate.