Company: HBAN
Filing Date: 2025-10-28
Form Type: 10-Q
Source: 0000049196-25-000079
Chunk: 202

Company: HUNTINGTON BANCSHARES INC /MD/
Filing Date: 2025-10-28
Form: 10-Q
Item: Part I, Item 8
Chunk 202
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RV and marine— 1 — — 1 0.02 Other consumer1 — — — 1 0.05 Total loans to borrowers experiencing financial difficulty in which modifications were made$92 $525 $14 $13 $644 0.47 %Nine months ended September 30, 2024Commercial and industrial$42 $240 $— $63 $345 0.64 %Commercial real estate— 228 — 25 253 2.19 Residential mortgage— 37 5 3 45 0.19 Automobile— 10 — 1 11 0.08 Home equity— 4 — 9 13 0.13 RV and marine— 1 — — 1 0.02 Other consumer1 — — — 1 0.06 Total loans to borrowers experiencing financial difficulty in which modifications were made$43 $520 $5 $101 $669 0.55 %(1)Represents the amortized cost of loans modified during the reporting period as a percentage of the period-end loan balance by class.

2025 3Q Form 10-Q     57

The following table describes the financial effect of the modification made to borrowers experiencing financial difficulty.Interest Rate Reduction (1)Term Extension (1)Weighted-average contractual interest rateWeighted-average years added to the lifeFromToThree months ended September 30, 2025Commercial and industrial9.93 %8.16 %0.7Commercial real estate0.3Residential mortgage6.1Three months ended September 30, 2024Commercial and industrial7.81 %6.56 %0.7Commercial real estate1.0Residential mortgage5.8Nine months ended September 30, 2025Commercial and industrial8.67 %7.32 %1.1Commercial real estate0.8Residential mortgage6.2Nine months ended September 30, 2024Commercial and industrial8.80 %7.60 %0.8Commercial real estate8.26 7.90 1.0Residential mortgage6.9(1)     Certain disclosures related to financial effects of modifications do not include those deemed to be immaterial.

58     Huntington Bancshares Incorporated

The performance of loans made to borrowers experiencing