Company: HBAN
Filing Date: 2025-10-28
Form Type: 10-Q
Source: 0000049196-25-000079
Chunk: 108

Company: HUNTINGTON BANCSHARES INC /MD/
Filing Date: 2025-10-28
Form: 10-Q
Item: Part I, Item 2
Chunk 108
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 for funding provided by) each business segment. The FTP rate is based on prevailing market interest rates for comparable duration assets (or liabilities). The primary components of the FTP rate include a base (market) rate, a liquidity premium, contingent liquidity and collateral charges, and option cost.

Net Income (Loss) by Business Segment

Net income (loss) by business segment is presented in the following table.

Table 22 - Net Income (Loss) by Business Segment Nine Months Ended(dollar amounts in millions)September 30, 2025September 30, 2024Consumer & Regional Banking$998 $1,098 Commercial Banking893 853 Treasury / Other(199)(541)Net income attributable to Huntington$1,692 $1,410 

2025 3Q Form 10-Q     31

Consumer & Regional BankingTable 23 - Key Performance Indicators for Consumer & Regional Banking Nine Months EndedChange(dollar amounts in millions)September 30, 2025September 30, 2024AmountPercentNet interest income$3,018 $3,013 $5 — %Provision for credit losses306 227 79 35 Net interest income after provision for credit losses2,712 2,786 (74)(3)Noninterest income1,059 968 91 9 Noninterest expense:Direct personnel costs907 847 60 7 Other noninterest expense, including corporate allocations1,601 1,517 84 6 Total noninterest expense2,508 2,364 144 6 Income before income taxes1,263 1,390 (127)(9)Provision for income taxes265 292 (27)(9)Net income attributable to Huntington$998 $1,098 $(100)(9)%Number of employees (average full-time equivalent)11,240 11,181 59 1 %Total average assets$79,149 $74,245 $4,904 7 Total average loans/leases73,176 68,438 4,738 7 Total average deposits111,416 109,988 1,428 1 Net interest margin3.56 %3.60 %(0.04)%(1)NCOs$181 $154 $27 18 NCOs as a % of average loans and leases0.33 %0.