Company: HBAN
Filing Date: 2025-11-13
Form Type: S-4
Source: 0001140361-25-041757
Chunk: 133

Company: HUNTINGTON BANCSHARES INC /MD/
Filing Date: 2025-11-13
Form: S-4
Chunk 133
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 14.7%      |     | 14.4%        |     | 14.2%              |     | 14.0%  |     | 13.8%      |     | 14.3%      |
| Loans / Deposits                         |     | 83.5%      |     | 83.9%        |     | 78.1%              |     | 76.1%  |     | 73.8%      |     | 82.4%      |
| Loan Loss Reserves / Loans               |     | 1.71%      |     | —            |     | 1.49%              |     | 1.48%  |     | 1.36%      |     | 1.62%      |
| Nonperforming Assets / Loans + OREO      |     | 0.59%      |     | —            |     | 0.99%              |     | 0.91%  |     | 1.10%      |     | 0.69%      |
| MRQ Net Charge-offs / Average Loans      |     | 0.22%      |     | —            |     | 0.60%              |     | 0.51%  |     | 0.63%      |     | 0.43%      |

| (1) | Pro forma metrics shown as of September 30, 2025 as adjusted for the acquisition of Veritex Holdings, Inc. (closed on October 20, 2025) based on publicly disclosed purchase accounting and other transaction adjustments and supplemental transaction adjustments provided by Huntington management. |

In addition, KBW’s analysis showed the following concerning the market performance of Huntington, Huntington (pro forma as of September 30, 2025 for the acquisition of Veritex Holdings, Inc. closed on October 20, 2025) and the selected companies (excluding the impact of the LTM dividend payout ratio of one of the selected companies, which ratio was considered not meaningful):

|                                       |     |            |     |              |     | Selected Companies |     |        |     |            |     |            |
|                                       |     | Huntington |     | Huntington   
 Pro Forma(1) |     | Average            |     | Median |     | 25th       
 Percentile |     | 75th       
 Percentile |
|