Company: HBAN
Filing Date: 2025-12-01
Form Type: S-4/A
Source: 0001140361-25-043815
Chunk: 59

Company: HUNTINGTON BANCSHARES INC /MD/
Filing Date: 2025-12-01
Form: S-4/A
Chunk 59
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 costly or time-consuming than expected and the Huntington Parties and Cadence may fail to realize the anticipated benefits of the merger .

The success of the merger will depend, in part, on the ability to realize the anticipated cost savings from combining the businesses of the Huntington Parties and Cadence. To realize the anticipated benefits and cost savings from the merger, Huntington and Cadence must successfully integrate and combine their businesses in a manner that permits those cost savings to be realized. If the Huntington Parties and Cadence are not able to successfully achieve these objectives, the anticipated benefits of the merger may not be realized fully or at all or may take longer to realize than expected. In addition, the actual cost savings and anticipated benefits of the merger could be less than anticipated, and integration may result in additional unforeseen expenses.

The Huntington Parties and Cadence have operated and, until the completion of the merger, must continue to operate, independently. It is possible that the integration process could result in the loss of key employees, the disruption of each company’s ongoing businesses or inconsistencies in standards, controls, procedures and policies that adversely affect the companies’ ability to maintain relationships with clients, customers, depositors and employees or to achieve the anticipated benefits and cost savings of the merger. Integration efforts between the two companies may also divert management attention and resources. These integration matters could have an adverse effect on the Huntington Parties and Cadence during this transition period and for an undetermined period after completion of the merger on Huntington.

The future results of Huntington following the merger may suffer if Huntington does not effectively manage its expanded operations .

Following the merger, the size of the business of Huntington will increase significantly beyond the current size of either the Huntington Parties’ or Cadence’s business. Following the merger, Huntington’s future success will depend, in part, upon its ability to manage this expanded business, which may pose challenges for management, including challenges related to the management and monitoring of new operations and associated increased costs and complexity. Huntington may also become subject to higher regulatory and supervisory standards from governmental authorities as a result of the significant increase in the size of its business after the consummation of the merger, which will cause Huntington to become subject to the standards applicable to Category III banking organizations under the Federal Reserve’s Regulation YY, following the applicable

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transition period. There can be no assurances that Huntington will be successful or that it will realize the expected operating efficiencies, cost savings, revenue enhancements or other benefits currently anticipated from the merger.

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