Company: HBAN
Filing Date: 2025-10-28
Form Type: 425
Source: 0001140361-25-039508
Chunk: 11

Company: HUNTINGTON BANCSHARES INC /MD/
Filing Date: 2025-10-28
Form: 425
Chunk 11
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 on to that. Brantley J. Standridge Senior EVP and President of Consumer & Regional Banking Yes, it would be great. Thank you, Erika, for the question. Two areas I would mention as it relates to the Cadence footprint. It presents markets where we can expand our branch presence and entire consumer franchise. The second area would be this creates a number of markets where we can expand as we have been doing our commercial banking franchise, including middle market banking and the specialty businesses. There are also areas in our core business, this will unlock and fuel additional investments like mobile, like the work we're doing around our small business customers. And there are a number of emerging payments areas that this unlocks additional investment capacity to explore. Stephen D. Steinour Chairman, President & CEO Erika, this is Steve. I'll just finish off. You asked about confidence without the branch closures and 30%. And as we've said, we have very high confidence. We've had 4 months of very detailed planning here. Dan Rollins and team have just been exceptionally good partners. And Brant and our teams here have gotten into this in great detail. This is the most advanced I've ever seen us or my predecessor be positioned at point of announcement to execute by far. Erika Najarian UBS Investment Bank, Research Division And Steve, the follow-up question is for you. You've been CEO of Huntington for a very long time and have built a very strong culture. As you expand inorganically, how do you make sure entry at the Huntington culture is the prevailing culture of the pro forma company? And how do you balance that with retaining the top talent and making sure that you're not being poached by opportunistic banks as this deal gets integrated? Stephen D. Steinour Chairman, President & CEO Well, that's a great question, Erika, as well. And we are very intentional about the teams that we bring on in any combination like this. And a lot of that groundwork has already been done in terms of selections. And over the next weeks, there will be more internal communication around that. Cadence is nearly a 150-year-old company like Huntington in many, many respects, very customer service focused, very much about communities, and we align incredibly well culturally with them. Again, we've had 4 months of significant interaction at multiple levels of the company to have this appreciation for their values and the nature of how they operate. And so we're highly confident in our ability to execute, including