Company: HBAN
Filing Date: 2025-07-14
Form Type: 425
Source: 0001140361-25-025734
Chunk: 21

Company: HUNTINGTON BANCSHARES INC /MD/
Filing Date: 2025-07-14
Form: 425
Chunk 21
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 American Financial Services New Commercial Verticals Full Franchise Expansion NC SC Texas Accelerating NC and SC retail strategy Expanding value-added fee services in new geographies and relationships Expanding our franchise capabilities Financial Sponsors Ecosystem Mass Affluent Preferred Banking Commercial Banking Consumer & Regional Banking1 3% Consumer PBR3 Growth 5% Business PBR3 Growth 13% Wealth Household Growth2 13% Wealth AUM Growth2 35% Capital Markets Revenue Growth1 11% Commercial Loan Growth2 23% Commercial Deposit Growth2 31% Commercial Payment Revenues Growth1 40% 5 60%

Strong cultural alignment, experienced local leadership, deep community relationships Enables local delivery of full Huntington franchise Low-risk, financially attractive transaction backed by a proven track record of disciplined M&A and seamless integration execution Partnership with Veritex Accelerates Organic Texas Expansion 2 3 4 Expands presence in dynamic Texas market 11 5

Scaling Presence in High-Growth Texas Markets 1 Source: Company Documents, City of Dallas Office of Economic Development, Dallas Chamber of Commerce, Fortune (2024), Greater Houston Partnership, S&P Global Market Intelligence, U.S. Bureau of Economic Analysis, U.S. Bureau of Labor Statistics, U.S. Census Bureau; World Bank; Note: Data as of March 31, 2025; Depository data as of June 30, 2024; GDP data as of 2024 1 Small and medium sized businesses defined as those with employees < 500 and sole proprietorships, and corporates defined as those with > 500 employees; 2 Affluent represents the number of households with incomes > $200K Dallas-Fort Worth 4th Largest Deposit Market 5th By Fortune 500 HQ’s Houston 11th Largest Deposit Market 5th By Population #1 Job created since 2010 (1.3M jobs added) #5 956K Small Businesses1 (8.8% YoY) #7 396K Affluent Households2 (11.5% 10-Year CAGR) #3 Job created since 2010 (1.1M jobs added) #6 895K Small Businesses1 (9.2% YoY) #10 339K Affluent Households2 (9.6% 10-Year CAGR) 4th By Population 3rd By Fortune 500 HQ’s Texas Nationally by the Numbers Expansion Markets Largest Economy in the World by GDP (Larger than Italy, Canada