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

Company: HUNTINGTON BANCSHARES INC /MD/
Filing Date: 2025-07-14
Form: 425
Chunk 25
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 income available to common 448 509 518 Adjusted net income available to common (annualized) (C) $1,802 $2,064 $2,078 Return on average tangible common shareholders’ equity (C/A) 16.1% 16.7% 16.1% Return on average tangible common shareholders’ equity, ex AOCI (C/B) 12.6% 13.7% 13.5% ($ in millions) 2Q24 1Q25 2Q25 Adjusted net income available to common (annualized) (C) $1,802 $2,064 $2,078 Return on average tangible shareholders’ equity 16.1% 16.7% 16.1% Add: Notable Items, after tax (D) 5 2 3 Adjusted net income available to common (annualized) (E) $1,822 $2,072 $2,090 Less: Net gain / (loss) on securities (after tax) -- -- (46) Adjusted net income available to common (annualized) (F) $1,822 $2,072 $2,274 Adjusted return on average tangible common shareholders’ equity (E/A) 16.2% 16.7% 16.2% Adjusted return on average tangible common shareholders’ equity excluding securities repositioning and notable items (F/A) 16.2% 16.7% 17.6% Adjusted return on average tangible common shareholders’ equity, ex AOCI (E/B) 12.8% 13.7% 13.6%

1 2Q25 Risk Weighted Assets and Common Equity Tier 1 are based on best available estimates as of July 13, 2025 14 Non-GAAP Reconciliation Common Equity Tier 1 (CET1) CET1 – AOCI Impact ($ in millions) 2Q24 1Q25 2Q251 Common Equity Tier 1 (A) $14,521 $15,269 $15,539 Add: accumulated other Comprehensive income (loss) (AOCI) (2,911) (2,422) (2,241) Less: cash flow hedge (399) (90) (6) Adjusted Common Equity Tier 1 (B) $12,009 $12,937 $13,304 Risk Weighted Assets (C) $139,374 $144,