Company: HBAN
Filing Date: 2025-11-13
Form Type: S-4
Source: 0001140361-25-041757
Chunk: 55

Company: HUNTINGTON BANCSHARES INC /MD/
Filing Date: 2025-11-13
Form: S-4
Chunk 55
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 communication are not guarantees of future performance and involve a number of known and unknown risks, uncertainties and assumptions that are difficult to assess and are subject to change based on factors which are, in many instances, beyond Huntington’s and Cadence’s control. While there is no assurance that any list of risks and uncertainties or risk factors is complete, below are certain factors, in addition to the factors relating to the merger discussed under the caption “Risk Factors” beginning on page 34and the factors previously disclosed in Huntington’s reports filed with the SEC and Cadence’s reports filed with the Federal Reserve and available at https://ir.cadencebank.com/fdic-federal-reserve-filings, which could cause actual results to differ materially from those contained or implied in the forward-looking statements or historical performance:

| • | changes in general economic, political, regulatory or industry conditions; |

| • | deterioration in business and economic conditions, including persistent inflation, supply chain issues or labor shortages, instability in global economic conditions and geopolitical matters, as well as volatility in financial markets; |

| • | changes in U.S. trade policies, including the imposition of tariffs and retaliatory tariffs; |

| • | the impact of pandemics and other catastrophic events or disasters on the global economy and financial market conditions and our business, results of operations, and financial condition; |

| • | the impacts related to or resulting from bank failures and other volatility, including potential increased regulatory requirements and costs, such as Federal Deposit Insurance Corporation (the “FDIC”) special assessments, long-term debt requirements and heightened capital requirements, and potential impacts to macroeconomic conditions, which could affect the ability of depository institutions, including us, to attract and retain depositors and to borrow or raise capital; |

| • | unexpected outflows of uninsured deposits which may require us to sell investment securities at a loss; |

| • | changing interest rates which could negatively impact the value of our portfolio of investment securities; |

| • | the loss of value of our investment portfolio which could negatively impact market perceptions of us and could lead to deposit withdrawals; |

| • | the effects of social media on market perceptions of us and banks generally; |

| • | cybersecurity risks; |

| • | uncertainty in U.S. fiscal and monetary policy, including the interest rate policies of the Federal Reserve; |

| • | volatility and disruptions in global capital, foreign exchange and credit markets; movements in interest rates; |

| • | competitive pressures on product pricing and services; success, impact, and timing