Company: HBAN
Filing Date: 2025-02-28
Form Type: S-3ASR
Source: 0001193125-25-042581
Chunk: 8

Company: HUNTINGTON BANCSHARES INC /MD/
Filing Date: 2025-02-28
Form: S-3ASR
Chunk 8
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 results. Additional factors that could cause results to differ materially from those described above can be found in our
Annual Report on Form 10-K for the year ended December 31, 2024, under the captions “Forward-Looking Statements” and “Risk Factors,” and the documents subsequently filed by us with the
SEC.

All forward-looking statements speak only as of the date they are made and are based on information available at that time. We do
not assume any obligation to update forward-looking statements to reflect circumstances or events that occur after the date the forward-looking statements were made or to reflect the occurrence of unanticipated events except as required by federal
securities laws. As forward-looking statements involve significant risks and uncertainties, caution should be exercised against placing undue reliance on such statements.

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HUNTINGTON BANCSHARES INCORPORATED

We are a multi-state diversified regional bank holding company organized under Maryland law in 1966 and headquartered in Columbus, Ohio.
Through our subsidiary bank, The Huntington National Bank, we are committed to making people’s lives better, helping businesses thrive, and strengthening the communities we serve, and we have been servicing the financial needs of our customers
since 1866. Through our subsidiaries, we provide full-service commercial and consumer deposit, lending, and other banking services. These include, but are not limited to, payments, mortgage banking, direct and indirect consumer financing, investment
banking, capital markets, advisory, equipment financing, distribution finance, investment management, trust, brokerage, insurance, and other financial products and services. As of December 31, 2024, our 978 full-service branches and private
client group offices are located in Ohio, Colorado, Florida, Illinois, Indiana, Kentucky, Michigan, Minnesota, North Carolina, Pennsylvania, West Virginia, and Wisconsin. We also maintain a local banking presence in South Carolina and Texas, along
with conducting select financial services and other activities in other states.

As of December 31, 2024, we had, on a consolidated
basis, total assets of approximately $204 billion, total deposits of approximately $162 billion and total shareholders’ equity of approximately $20 billion.

Our principal executive offices are located at 41 South High Street, Columbus, Ohio 43287, and our telephone number is (614) 480-2265.

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SECURITIES WE MAY OFFER

We may use this prospectus to offer securities in one or more offerings. A prospectus supplement, which we will