Company: HBAN
Filing Date: 2025-10-28
Form Type: 10-Q
Source: 0000049196-25-000079
Chunk: 179

Company: HUNTINGTON BANCSHARES INC /MD/
Filing Date: 2025-10-28
Form: 10-Q
Item: Part I, Item 2
Chunk 179
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 results and assesses performance. Huntington reports on two business segments: Consumer & Regional Banking and Commercial Banking. All other items not included within our two business segments are reported within the Treasury / Other function, which primarily includes technology and operations and other unallocated assets, liabilities, revenue, and expense. For a description of our business segments, see Note 24 - “Segment Reporting” to the Consolidated Financial Statements appearing in Huntington’s 2024 Annual Report on Form 10-K. The following tables present certain operating basis financial information for each reportable business segment reconciled to Huntington’s consolidated financial results.Consumer & Regional BankingCommercial BankingTreasury / OtherHuntington Consolidated(dollar amounts in millions)Three months ended September 30, 2025Net interest income (loss)$1,061 $538 $(93)$1,506 Provision for credit losses121 1 — 122 Net interest income (loss) after provision (benefit) for credit losses940 537 (93)1,384 Noninterest income393 218 17 628 Noninterest expense:Direct personnel costs308 152 297 757 Other noninterest expense, including corporate allocations541 167 (219)489 Total noninterest expense849 319 78 1,246 Income (loss) before income taxes484 436 (154)766 Provision (benefit) for income taxes102 91 (60)133 Income attributable to non-controlling interest— 4 — 4 Net income (loss) attributable to Huntington$382 $341 $(94)$629 Three months ended September 30, 2024Net interest income (loss)$1,050 $529 $(228)$1,351 Provision for credit losses105 1 — 106 Net interest income (loss) after provision for credit losses945 528 (228)1,245 Noninterest income338 181 4 523 Noninterest expense:Direct personnel costs287 144 253 684 Other noninterest expense, including corporate allocations512 145 (211)446 Total noninterest expense799 289 42 1,130 Income (loss) before income taxes484 420 (266)638 Provision (benefit) for income taxes102 88 (74)116 Income attributable to non-controlling interest— 5 — 5 Net income (loss) attributable