# EDGAR Filing Document

**Accession Number:** 0000049196
**File Stem:** 0000049196-25-000045
**Filing Date:** 2025-6
**Character Count:** 10574
**Document Hash:** 8b2680c4f6566a93b54705b25bfa20de
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0000049196-25-000045.hdr.sgml**: 20250611

**ACCESSION NUMBER**: 0000049196-25-000045

**CONFORMED SUBMISSION TYPE**: 8-K

**PUBLIC DOCUMENT COUNT**: 27

**CONFORMED PERIOD OF REPORT**: 20250611

**ITEM INFORMATION**: Regulation FD Disclosure

**ITEM INFORMATION**: Financial Statements and Exhibits

**FILED AS OF DATE**: 20250611

**DATE AS OF CHANGE**: 20250611

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** HUNTINGTON BANCSHARES INC /MD/
- **CENTRAL INDEX KEY:** 0000049196
- **STANDARD INDUSTRIAL CLASSIFICATION:** NATIONAL COMMERCIAL BANKS [6021]
- **ORGANIZATION NAME:** 02 Finance
- **EIN:** 310724920
- **STATE OF INCORPORATION:** MD
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 8-K
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 001-34073
- **FILM NUMBER:** 251038692

**BUSINESS ADDRESS:**
- **STREET 1:** HUNTINGTON CTR
- **STREET 2:** 41 S HIGH ST HC0917
- **CITY:** COLUMBUS
- **STATE:** OH
- **ZIP:** 43287
- **BUSINESS PHONE:** 6144802265

**MAIL ADDRESS:**
- **STREET 1:** HUNTINGTON CENTER
- **STREET 2:** 41 S HIGH ST HC0917
- **CITY:** COLUMBUS
- **STATE:** OH
- **ZIP:** 43287

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** HUNTINGTON BANCSHARES INC/MD
- **DATE OF NAME CHANGE:** 19920703

?xml version='1.0' encoding='ASCII'? hban-20250611

**UNITED STATES**

**SECURITIES AND EXCHANGE COMMISSION**

**Washington, D.C. 20549**

______________________________________________________________________________________________________________________________

**FORM 8-K** 

_______________________________________________________________________________________________________________________________

**CURRENT REPORT**

**Pursuant to Section 13 OR 15(d)**

**of The Securities Exchange Act of 1934**

**Date of Report (Date of earliest event reported) June 11, 2025**

______________________________________________________________________________________________________________________________

![huntingtonlogo.jpg](hban-20250611_g1.jpg)

**Huntington Bancshares Incorporated** 

**(Exact name of registrant as specified in its charter)**

_______________________________________________________________________________________________________________________________

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| | | |
|:---|:---|:---|
| **Maryland** | **1-34073** | **31-0724920** |
| **(State or other jurisdiction of<br>incorporation or organization)** | **(Commission<br>File Number)** | **(I.R.S. Employer<br>Identification No.)** |

---

**Registrant's address: 41 South High Street, Columbus, Ohio 43287** 

**Registrant's telephone number, including area code: (614) 480-2265** 

**Not Applicable**

(Former name or former address, if changed since last report.)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ nan

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

_______________________________________________________________________________________________________________________________

Securities registered pursuant to Section 12(b) of the Act:

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| | | |
|:---|:---|:---|
| Title of class | Trading<br>Symbol(s) | Name of exchange on which registered |
| **Depositary Shares (each representing a 1/40th interest in a share of 4.500% Series H Non-Cumulative, perpetual preferred stock)** | **HBANP** | **NASDAQ** |
| **Depositary Shares (each representing a 1/1000th interest in a share of 5.70% Series I Non-Cumulative, perpetual preferred stock)** | **HBANM** | **NASDAQ** |
| **Depositary Shares (each representing a 1/40th interest in a share of 6.875% Series J Non-Cumulative, perpetual preferred stock)** | **HBANL** | **NASDAQ** |
| **Common Stock—Par Value $0.01 per Share** | **HBAN** | **NASDAQ** |

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| | | |
|:---|:---|:---|
| Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405) or Rule 12b-2 of the Securities Exchange Act of 1934 (§24012b-2). | Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405) or Rule 12b-2 of the Securities Exchange Act of 1934 (§24012b-2). | Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405) or Rule 12b-2 of the Securities Exchange Act of 1934 (§24012b-2). |
| | Emerging growth company | ☐ |
| If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐ | If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐ | If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐ |

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**Item 7.01 Regulation FD Disclosure.**

As previously announced, Huntington Bancshares Incorporated ("Huntington") will be participating at the 2025 Morgan Stanley US Financials Conference on Wednesday, June 11, 2025. Zach Wasserman, Chief Financial Officer, is scheduled to present to analysts and investors. A copy of the presentation slides is attached hereto as Exhibit 99.1 and is incorporated herein by reference. The presentation slides will also be available in the Investor Relations section of Huntington's web site at www.huntington.com.

The presentation slides are being furnished pursuant to Item 7.01, and the information contained therein shall not be deemed "filed" for purposes of Section 18 of the Securities and Exchange Act of 1934, as amended (the "Exchange Act"), or otherwise subject to the liabilities under that section. Furthermore, the information contained in Exhibit 99.1 shall not be deemed to be incorporated by reference in any filing under the Securities Act of 1933, or the Exchange Act, except as shall be expressly set forth by specific reference in such filing.

**Item 9.01 Financial Statements and Exhibits.**

The exhibits referenced below shall be treated as "furnished" for purposes of Section 18 of the Securities Exchange Act of 1934, as amended.

&nbsp;&nbsp;&nbsp;&nbsp;(d) Exhibits.

Exhibit 99.1 – Presentation Slides

**EXHIBIT INDEX**

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| | |
|:---|:---|
| Exhibit No. | Description |
| <u>[Exhibit 99.1](hbanmsconferencepresenta.htm)</u> | <u>[Presentation Slides](hbanmsconferencepresenta.htm)</u> |
| Exhibit 104 | Cover Page Interactive Data File - the cover page XBRL tags are embedded within the Inline XBRL document. |

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**SIGNATURES**

Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

---

| | | | |
|:---|:---|:---|:---|
| | | HUNTINGTON BANCSHARES INCORPORATED | HUNTINGTON BANCSHARES INCORPORATED |
| Date: | June 11, 2025 | By: | /s/ Zachary Wasserman |
|  |  |  | Zachary Wasserman |
|  |  |  | Chief Financial Officer |

---

## Exhibit 99.1

![](hbanmsconferencepresenta001.jpg)

2025 Morgan Stanley US Financials Conference The Huntington National Bank is Member FDIC.®, Huntington® and Huntington. are federally registered service marks of Huntington Bancshares Incorporated.©2025 Huntington Bancshares Incorporated. Welcome.

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![](hbanmsconferencepresenta002.jpg)

Disclaimer

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![](hbanmsconferencepresenta003.jpg)

Our Vision Key Guiding Attributes People-First, Customer-Centered

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![](hbanmsconferencepresenta004.jpg)

Key Messages Delivering on organic growth strategies with sustained momentum supported by purposefully diversified customer base1 Driving robust profit growth reflective of expanded net interest margin, higher fee revenues, and efficient expense management2 Achieving strong credit performance through disciplined client selection and rigorous portfolio management, aligned with our aggregate moderate-to-low risk appetite3 Positioned to outperform through a range of potential economic scenarios with leading liquidity coverage, robust capital and reserves4

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![](hbanmsconferencepresenta005.jpg)

Peer Leading Organic Growth Robust 2025 Net Interest Income • • • Disciplined Risk Framework Driving High-Quality Earnings Growth Cumulative Growth Rate of Average DepositsCumulative Growth Rate of Average Loans … … … … …

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![](hbanmsconferencepresenta006.jpg)

Total Adj. Noninterest Income1 By Category Noninterest Income \| Diversified Fee Revenues Powerful Trends in Strategic Fee Categories • • • •

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![](hbanmsconferencepresenta007.jpg)

Top Tier Asset Quality and Reserve Profile Consumer – 43% of total loans • • Commercial – 57% of total loans • • • • • Disciplined Client Selection and Underwriting Consistent Top-Tier Credit Performance

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![](hbanmsconferencepresenta008.jpg)

Growth Objectives Drive Core and Expansion Initiatives Driving Growth via Share Gains and Executional Outperformance NC Texas • • • - - • • • • • • • • - - SC Building on Position of Strength National Expertise with Local Delivery Florida NC

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![](hbanmsconferencepresenta009.jpg)

Earnings Growth Supports Capital Priorities • o o o • o o o • o o o CET1 Ratio Adjusted CET1 Ratio Drivers Capital Growth Outlook Tangible Book Value (TBV) per Share +13% YoY

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![](hbanmsconferencepresenta010.jpg)

2025 Management Focus Driving Value Through Accelerated TBV Accretion and Expanding Long-Term Returns

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![](hbanmsconferencepresenta011.jpg)

Non-GAAP Reconciliation Adjusted Noninterest Income and Adjusted CET1 ($ in millions) FY21 FY22 FY23 FY24 1Q24 2Q24 3Q24 4Q24 1Q25 CET1 – AOCI Impact ($ in millions) 1Q24 2Q24 3Q24 4Q24 1Q25

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![](hbanmsconferencepresenta012.jpg)

Notes

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