Huntington Bancshares (HBAN) investor relations material

Macro and Industry Environment

• Economic outlook remains positive with a strong job market and resilient consumer sentiment; no credit deterioration observed.

• Rising energy and food prices are being closely monitored, especially for their impact on middle and lower income consumers.

• Business customers have shown resilience to tariffs and supply chain disruptions.

Strategic Vision and Positioning

• Aims to be the leading people-first, customer-centered bank in the country, leveraging a 160-year history and a super regional model for strong secular growth.

• Operates a powerhouse consumer and regional banking franchise across 21 states, with leading national commercial businesses and a comprehensive set of payment and wealth management solutions.

• Maintains proactive and robust risk management practices to support long-term value creation.

Differentiation and Customer Focus

• Focus on exceptional customer experience and deep relationships, recognized by industry awards.

• Prioritizes durable relationships, long-term value, and trust through consistent support across economic cycles.

• Delivers holistic outcomes by integrating expertise across banking, lending, payments, wealth, insurance, and capital solutions.