Exhibit 99.2

HUNTINGTON BANCSHARES INCORPORATED

Quarterly Financial Supplement

September 30, 2018

Table of Contents

Quarterly Key Statistics	1
Year to Date Key Statistics	2
Consolidated Balance Sheets	4
Loans and Leases Composition	5
Deposits Composition	6
Consolidated Quarterly Average Balance Sheets	7
Consolidated Quarterly Net Interest Margin - Interest Income / Expense	8
Consolidated Quarterly Net Interest Margin - Yield	9
Selected Quarterly Income Statement Data	10
Quarterly Mortgage Banking Income	11
Quarterly Credit Reserves Analysis	12
Quarterly Net Charge-Off Analysis	13
Quarterly Nonaccrual Loans and Leases (NALs) and Nonperforming Assets (NPAs)	14
Quarterly Accruing Past Due Loans and Leases and Accruing and Nonaccruing Troubled Debt Restructured Loans	15
Quarterly Capital Under Current Regulatory Standards (Basel III) and Other Capital Data	16
Quarterly Common Stock Summary, Non-Regulatory Capital, and Other Data	17
Consolidated Year to Date Average Balance Sheets	18
Consolidated Year to Date Net Interest Margin - Interest Income / Expense	19
Consolidated Year to Date Net Interest Margin - Yield	20
Selected Year to Date Income Statement Data	21
Year to Date Mortgage Banking Income	22
Year to Date Credit Reserves Analysis	23
Year to Date Net Charge-Off Analysis	24
Year to Date Nonaccrual Loans and Leases (NALs) and Nonperforming Assets (NPAs)	25
Year to Date Accruing Past Due Loans and Leases and Accruing and Nonaccruing Troubled Debt Restructured Loans	26

Notes:

The preparation of financial statement data in conformity with accounting principles generally accepted in the United States (GAAP) requires management to make estimates and assumptions that affect amounts reported. Actual results could differ from those estimates. Certain prior period amounts have been reclassified to conform to the current period’s presentation.

Fully-Taxable Equivalent Basis

Interest income, yields, and ratios on a FTE basis are considered non-GAAP financial measures.  Management believes net interest income on a FTE basis provides a more accurate picture of the interest margin for comparison purposes.  The FTE basis also allows management to assess the comparability of revenue arising from both taxable and tax-exempt sources.  The FTE basis assumes a federal statutory tax rate of 21 percent and 35 percent for periods prior to January 1, 2018.

Non-Regulatory Capital Ratios

In addition to capital ratios defined by banking regulators, the Company considers various other measures when evaluating capital utilization and adequacy, including:

• Tangible common equity to tangible assets, and

• Tangible common equity to risk-weighted assets using Basel III definition.

These non-regulatory capital ratios are viewed by management as useful additional methods of reflecting the level of capital available to withstand unexpected market conditions. Additionally, presentation of these ratios allows readers to compare the Company’s capitalization to other financial services companies. These ratios differ from capital ratios defined by banking regulators principally in that the numerator excludes preferred securities, the nature and extent of which varies among different financial services companies. These ratios are not defined in GAAP or federal banking regulations. As a result, these non-regulatory capital ratios disclosed by the Company may be considered non-GAAP financial measures.

Because there are no standardized definitions for these non-regulatory capital ratios, the Company’s calculation methods may differ from those used by other financial services companies. Also, there may be limits in the usefulness of these measures to investors. As a result, the Company encourages readers to consider the consolidated financial statements and other financial information contained in the related press release in their entirety, and not to rely on any single financial measure.

Huntington Bancshares Incorporated

Quarterly Key Statistics(1)

(Unaudited)

	Three Months Ended
	September 30,			June 30,			September 30,			Percent Changes vs.
(amounts in millions, except per share amounts)	2018			2018			2017			2Q18		3Q17
Net interest income(3)	$	810		$	791		$	771		2	%	5	%
FTE adjustment	(8		)	(7		)	(13		)	(14	)	38
Net interest income	802			784			758			2		6
Provision for credit losses	53			56			43			(5	)	23
Noninterest income	342			336			330			2		4
Noninterest expense	651			652			680			—		(4	)
Income before income taxes	440			412			365			7		21
Provision for income taxes	62			57			90			9		(31	)
Net income	378			355			275			6		37
Dividends on preferred shares	18			21			19			(14	)	(5	)
Net income applicable to common shares	$	360		$	334		$	256		8	%	41	%
Net income per common share - diluted	$	0.33		$	0.30		$	0.23		10	%	43	%
Cash dividends declared per common share	0.14			0.11			0.08			27		75
Tangible book value per common share at end of period	7.06			7.27			6.85			(3	)	3
Number of common shares repurchased (000)	43,670			—			9,645			100		353
Average common shares - basic	1,084,536			1,103,337			1,086,038			(2	)	—
Average common shares - diluted	1,103,740			1,122,612			1,106,491			(2	)	—
Ending common shares outstanding	1,061,529			1,104,227			1,080,946			(4	)	(2	)
Return on average assets	1.42		%	1.36		%	1.08		%
Return on average common shareholders’ equity	14.3			13.2			10.5
Return on average tangible common shareholders’ equity(2)	19.0			17.6			14.1
Net interest margin(3)	3.32			3.29			3.29
Efficiency ratio(4)	55.3			56.6			60.5
Effective tax rate	14.1			13.8			24.7
Average total assets	$	105,355		$	104,821		$	101,290		1		4
Average earning assets	96,753			96,363			92,849			—		4
Average loans and leases	72,751			71,887			68,276			1		7
Average loans and leases - linked quarter annualized growth rate	4.8		%	8.0		%	5.5		%
Average total deposits	$	81,498		$	79,290		$	77,544		3		5
Average core deposits(5)	77,680			75,386			73,549			3		6
Average core deposits - linked quarter annualized growth rate	12.2		%	10.9		%	7.0		%
Average shareholders’ equity	11,156			11,333			10,745			(2	)	4
Average common total shareholders' equity	9,953			10,130			9,674			(2	)	3
Average tangible common shareholders' equity	7,713			7,880			7,443			(2	)	4
Total assets at end of period	105,652			105,358			101,988			—		4
Total shareholders’ equity at end of period	10,934			11,472			10,699			(5	)	2
NCOs as a % of average loans and leases	0.16		%	0.16		%	0.25		%
NAL ratio	0.50			0.52			0.49
NPA ratio(6)	0.55			0.57			0.56
Allowance for loan and lease losses (ALLL) as a % of total loans and leases at the end of period	1.04			1.02			0.98
ALLL plus allowance for unfunded loan commitments and letters of credit (ACL) as a % of total loans and leases at the end of period	1.17			1.15			1.10
Common equity tier 1 risk-based capital ratio(7)	9.89			10.53			9.94
Tangible common equity / tangible asset ratio(8)	7.25			7.78			7.42

See Notes to the Year to Date and Quarterly Key Statistics.

1

Huntington Bancshares Incorporated

Year to Date Key Statistics(1)

(Unaudited)

	Nine Months Ended September 30,						Change
(amounts in millions, except per share amounts)	2018			2017			Amount			Percent
Net interest income(3)	$	2,378		$	2,271		$	107		5	%
FTE adjustment	(22		)	(38		)	16			42
Net interest income	2,356			2,233			123			6
Provision for credit losses	175			136			39			29
Noninterest income	992			967			25			3
Noninterest expense	1,936			2,082			(146		)	(7	)
Income before income taxes	1,237			982			255			26
Provision for income taxes	178			228			(50		)	(22	)
Net Income	1,059			754			305			40
Dividends on preferred shares	51			57			(6		)	(11	)
Net income applicable to common shares	$	1,008		$	697		$	311		45	%
Net income per common share - diluted	$	0.90		$	0.63		$	0.27		43	%
Cash dividends declared per common share	0.36			0.24			0.12			50
Average common shares - basic (000)	1,090,570			1,087,115			3,455			—
Average common shares - diluted	1,116,978			1,107,878			9,100			1
Return on average assets	1.35		%	1.00		%
Return on average common shareholders’ equity	13.5			9.8
Return on average tangible common shareholders’ equity(2)	18.0			13.3
Net interest margin(3)	3.31			3.30
Efficiency ratio(4)	56.2			63.0
Effective tax rate	14.4			23.2
Average total assets	$	104,680		$	100,589		$	4,091		4
Average earning assets	96,182			91,913			4,269			5
Average loans and leases	71,716			67,539			4,177			6
Average total deposits	79,261			76,684			2,577			3
Average core deposits(5)	75,501			72,454			3,047			4
Average shareholders’ equity	11,116			10,588			528			5
Average common total shareholders' equity	9,959			9,517			442			5
Average tangible common shareholders' equity	7,710			7,277			433			6
NCOs as a % of average loans and leases	0.18		%	0.23		%
NAL ratio	0.50			0.49
NPA ratio(6)	0.55			0.56

See Notes to the Year to Date and Quarterly Key Statistics.

2

Key Statistics Footnotes

(1) Comparisons for all presented periods are impacted by a number of factors. Refer to Significant Items.

(2) Net income applicable to common shares excluding expense for amortization of intangibles for the period divided by average tangible common shareholders’ equity. Average tangible common shareholders’ equity equals average total common shareholders’ equity less average intangible assets and goodwill. Expense for amortization of intangibles and average intangible assets are net of deferred tax liability, and calculated assuming a 21% tax rate and a 35% tax rate for periods prior to December 31, 2017.

(3) On a fully-taxable equivalent (FTE) basis assuming a 21% tax rate and a 35% tax rate for periods prior to January 1, 2018.

(4) Noninterest expense less amortization of intangibles divided by the sum of FTE net interest income and noninterest income excluding securities gains (losses).

(5) Includes noninterest-bearing and interest-bearing demand deposits, money market deposits, savings and other domestic deposits, and core certificates of deposit.

(6) NPAs include other real estate owned.

(7) September 30, 2018, figures are estimated.

(8) Tangible common equity (total common equity less goodwill and other intangible assets) divided by tangible assets (total assets less goodwill and other intangible assets). Other intangible assets are net of deferred tax liability, calculated at a 21% tax rate and a 35% tax rate for periods prior to December 31, 2017.

3

Huntington Bancshares Incorporated

Consolidated Balance Sheets

	September 30,			December 31,
(dollar amounts in millions, except number of shares)	2018			2017			Percent Changes
	(Unaudited)
Assets
Cash and due from banks	$	1,299		$	1,520		(15	)%
Interest-bearing deposits in banks	43			47			(9	)
Trading account securities	83			86			(3	)
Available-for-sale securities	13,727			14,869			(8	)
Held-to-maturity securities	8,465			9,091			(7	)
Other securities	565			600			(6	)
Loans held for sale	792			488			62
Loans and leases(1)	73,370			70,117			5
Allowance for loan and lease losses	(761		)	(691		)	(10	)
Net loans and leases	72,609			69,426			5
Bank owned life insurance	2,494			2,466			1
Premises and equipment	827			864			(4	)
Goodwill	1,993			1,993			—
Other intangible assets	306			346			(12	)
Servicing rights	251			238			5
Accrued income and other assets	2,198			2,151			2
Total assets	$	105,652		$	104,185		1	%
Liabilities and shareholders’ equity
Liabilities
Deposits(2)	$	81,689		$	77,041		6	%
Short-term borrowings	1,348			5,056			(73	)
Long-term debt	9,385			9,206			2
Accrued expenses and other liabilities	2,296			2,068			11
Total liabilities	94,718			93,371			1
Shareholders' equity
Preferred stock	1,203			1,071			12
Common stock	11			11			—
Capital surplus	9,358			9,707			(4	)
Less treasury shares, at cost	(44		)	(35		)	(26	)
Accumulated other comprehensive loss	(790		)	(528		)	(50	)
Retained earnings (deficit)	1,196			588			103
Total shareholders’ equity	10,934			10,814			1
Total liabilities and shareholders’ equity	$	105,652		$	104,185		1	%
Common shares authorized (par value of $0.01)	1,500,000,000			1,500,000,000
Common shares issued	1,065,251,488			1,075,294,946
Common shares outstanding	1,061,529,259			1,072,026,681
Treasury shares outstanding	3,722,229			3,268,265
Preferred stock, authorized shares	6,617,808			6,617,808
Preferred shares issued	2,707,571			2,702,571
Preferred shares outstanding	740,500			1,098,006

(1) See page 5 for detail of loans and leases.

(2) See page 6 for detail of deposits.

4

Huntington Bancshares Incorporated

Loans and Leases Composition

(Unaudited)

	September 30,				June 30,				March 31,				December 31,				September 30,
(dollar amounts in millions)	2018				2018				2018				2017				2017
Ending Balances by Type:
Total loans
Commercial:
Commercial and industrial	$	29,196	40	%	$	28,850	40	%	$	28,622	40	%	$	28,107	40	%	$	27,469	40	%
Commercial real estate:
Construction	1,111		2		1,083		1		1,167		2		1,217		2		1,182		2
Commercial	5,962		8		6,118		8		6,245		9		6,008		9		6,024		9
Commercial real estate	7,073		10		7,201		9		7,412		11		7,225		11		7,206		11
Total commercial	36,269		50		36,051		49		36,034		51		35,332		51		34,675		51
Consumer:
Automobile	12,375		17		12,390		17		12,146		17		12,100		17		11,876		17
Home equity	9,850		13		9,907		14		9,987		14		10,099		14		9,985		15
Residential mortgage	10,459		14		10,006		14		9,357		13		9,026		13		8,616		13
RV and marine finance	3,152		4		2,846		4		2,549		3		2,438		3		2,371		3
Other consumer	1,265		2		1,206		2		1,090		2		1,122		2		1,064		1
Total consumer	37,101		50		36,355		51		35,129		49		34,785		49		33,912		49
Total loans and leases	$	73,370	100	%	$	72,406	100	%	$	71,163	100	%	$	70,117	100	%	$	68,587	100	%

	September 30,				June 30,				March 31,				December 31,				September 30,
(dollar amounts in millions)	2018				2018				2018				2017				2017
Ending Balances by Business Segment:
Consumer and Business Banking	$	22,271	30	%	$	21,888	30	%	$	21,471	31	%	$	21,379	31	%	$	20,921		31	%
Commercial Banking(1)	26,465		36		26,373		36		26,311		37		25,767		37		25,297			37
Vehicle Finance	18,880		26		18,569		26		18,090		25		17,818		25		17,363			25
RBHPCG	5,734		8		5,527		8		5,227		7		5,145		7		5,012			7
Treasury / Other	20		—		49		—		64		—		8		—		(6		)	—
Total loans and leases	$	73,370	100	%	$	72,406	100	%	$	71,163	100	%	$	70,117	100	%	$	68,587		100	%
Average Balances by Business Segment:
Consumer and Business Banking	$	22,049	30	%	$	21,653	31	%	$	21,429	31	%	$	21,096	31	%	$	20,769		31	%
Commercial Banking(1)	26,322		36		26,505		37		25,969		37		25,208		37		25,209			37
Vehicle Finance	18,640		26		18,280		25		17,814		25		17,497		25		17,242			25
RBHPCG	5,641		8		5,355		7		5,181		7		5,071		7		4,937			7
Treasury / Other	99		—		94		—		91		—		68		—		119			—
Total loans and leases	$	72,751	100	%	$	71,887	100	%	$	70,484	100	%	$	68,940	100	%	$	68,276		100	%

(1) We announced a change within our executive leadership team, which became effective during the 2017 fourth quarter. As a result, the Commercial Real Estate operating unit is now included as an operating unit within the Commercial Banking segment.

5

Huntington Bancshares Incorporated

Deposits Composition

(Unaudited)

	September 30,				June 30,				March 31,				December 31,				September 30,
(dollar amounts in millions)	2018				2018				2018				2017				2017
Ending Balances by Type:
Demand deposits - noninterest-bearing	$	19,863	24	%	$	20,353	26	%	$	20,807	26	%	$	21,546	28	%	$	22,225	28	%
Demand deposits - interest-bearing	19,615		24		19,026		24		19,337		25		18,001		23		18,343		23
Money market deposits	21,411		26		20,990		26		20,849		26		20,690		27		20,553		26
Savings and other domestic deposits	11,604		14		10,987		14		11,291		14		11,270		15		11,441		15
Core certificates of deposit	5,358		7		4,402		6		3,157		4		1,934		3		2,009		3
Total core deposits	77,851		95		75,758		96		75,441		95		73,441		96		74,571		95
Other domestic deposits of $250,000 or more	318		1		265		—		228		—		239		—		418		1
Brokered deposits and negotiable CDs	3,520		4		3,564		4		3,802		5		3,361		4		3,456		4
Total deposits	$	81,689	100	%	$	79,587	100	%	$	79,471	100	%	$	77,041	100	%	$	78,445	100	%
Total core deposits:
Commercial	$	35,455	46	%	$	34,094	45	%	$	34,615	46	%	$	34,273	47	%	$	35,516	48	%
Consumer	42,396		54		41,664		55		40,826		54		39,168		53		39,055		52
Total core deposits	$	77,851	100	%	$	75,758	100	%	$	75,441	100	%	$	73,441	100	%	$	74,571	100	%
Ending Balances by Business Segment:
Consumer and Business Banking	$	49,434	61	%	$	48,186	60	%	$	47,124	59	%	$	45,643	59	%	$	45,694	58	%
Commercial Banking(1)	22,288		27		21,142		27		21,838		28		21,235		28		22,529		29
Vehicle Finance	348		—		340		—		345		—		358		—		319		—
RBHPCG	5,783		7		5,985		8		6,053		8		6,057		8		5,944		8
Treasury / Other(2)	3,836		5		3,934		5		4,111		5		3,748		5		3,959		5
Total deposits	$	81,689	100	%	$	79,587	100	%	$	79,471	100	%	$	77,041	100	%	$	78,445	100	%

	September 30,				June 30,				March 31,				December 31,				September 30,
(dollar amounts in millions)	2018				2018				2018				2017				2017
Average Balances by Business Segment:
Consumer and Business Banking	$	48,659	60	%	$	47,242	60	%	$	45,310	59	%	$	45,625	59	%	$	45,511	59	%
Commercial Banking(1)	22,823		28		21,671		27		21,679		28		22,118		28		21,834		28
Vehicle Finance	337		—		328		—		349		—		323		—		300		—
RBHPCG	5,694		7		5,947		8		5,873		8		5,851		8		5,826		8
Treasury / Other(2)	3,985		5		4,102		5		3,735		5		3,820		5		4,073		5
Total deposits	$	81,498	100	%	$	79,290	100	%	$	76,946	100	%	$	77,737	100	%	$	77,544	100	%

(1) We announced a change within our executive leadership team, which became effective during the 2017 fourth quarter. As a result, the Commercial Real Estate operating unit is now included as an operating unit within the Commercial Banking segment.

(2) Comprised primarily of national market deposits.

6

Huntington Bancshares Incorporated

Consolidated Quarterly Average Balance Sheets

(Unaudited)

	Quarterly Average Balances (2)
	September 30,			June 30,			March 31,			December 31,			September 30,			Percent Changes vs.
(dollar amounts in millions)	2018			2018			2018			2017			2017			2Q18		3Q17
Assets
Interest-bearing deposits in banks	$	83		$	84		$	90		$	90		$	102		(1	)%	(19	)%
Securities:
Trading account securities	82			82			87			87			92			—		(11	)
Available-for-sale securities:
Taxable	10,469			10,832			11,158			11,154			11,680			(3	)	(10	)
Tax-exempt	3,496			3,554			3,633			3,404			3,160			(2	)	11
Total available-for-sale securities	13,965			14,386			14,791			14,558			14,840			(3	)	(6	)
Held-to-maturity securities - taxable	8,560			8,706			8,877			9,066			8,264			(2	)	4
Other securities	567			599			605			598			597			(5	)	(5	)
Total securities	23,174			23,773			24,360			24,309			23,793			(3	)	(3	)
Loans held for sale	745			619			478			598			678			20		10
Loans and leases:(1)
Commercial:
Commercial and industrial	28,870			28,863			28,243			27,445			27,643			—		4
Commercial real estate:
Construction	1,132			1,126			1,189			1,199			1,152			1		(2	)
Commercial	6,019			6,233			6,142			5,997			6,064			(3	)	(1	)
Commercial real estate	7,151			7,359			7,331			7,196			7,216			(3	)	(1	)
Total commercial	36,021			36,222			35,574			34,641			34,859			(1	)	3
Consumer:
Automobile	12,368			12,271			12,100			11,963			11,713			1		6
Home equity	9,873			9,941			10,040			10,027			9,960			(1	)	(1	)
Residential mortgage	10,236			9,624			9,174			8,809			8,402			6		22
RV and marine finance	3,016			2,667			2,481			2,405			2,296			13		31
Other consumer	1,237			1,162			1,115			1,095			1,046			6		18
Total consumer	36,730			35,665			34,910			34,299			33,417			3		10
Total loans and leases	72,751			71,887			70,484			68,940			68,276			1		7
Allowance for loan and lease losses	(759		)	(742		)	(709		)	(688		)	(672		)	(2	)	(13	)
Net loans and leases	71,992			71,145			69,775			68,252			67,604			1		6
Total earning assets	96,753			96,363			95,412			93,937			92,849			—		4
Cash and due from banks	1,330			1,283			1,217			1,226			1,299			4		2
Intangible assets	2,305			2,318			2,332			2,346			2,359			(1	)	(2	)
All other assets	5,726			5,599			5,596			5,481			5,455			2		5
Total assets	$	105,355		$	104,821		$	103,848		$	102,302		$	101,290		1	%	4	%
Liabilities and shareholders’ equity
Deposits:
Demand deposits - noninterest-bearing	20,230			20,382			20,572			21,745			21,723			(1	)%	(7	)%
Demand deposits - interest-bearing	19,553			19,121			18,630			18,175			17,878			2		9
Total demand deposits	39,783			39,503			39,202			39,920			39,601			1		—
Money market deposits	21,547			20,943			20,678			20,731			20,314			3		6
Savings and other domestic deposits	11,434			11,146			11,219			11,348			11,590			3		(1	)
Core certificates of deposit	4,916			3,794			2,293			1,947			2,044			30		141
Total core deposits	77,680			75,386			73,392			73,946			73,549			3		6
Other domestic deposits of $250,000 or more	285			243			247			400			432			17		(34	)
Brokered deposits and negotiable CDs	3,533			3,661			3,307			3,391			3,563			(3	)	(1	)
Total deposits	81,498			79,290			76,946			77,737			77,544			3		5
Short-term borrowings	1,732			3,082			5,228			2,837			2,391			(44	)	(28	)
Long-term debt	8,915			9,225			8,958			9,232			8,949			(3	)	—
Total interest-bearing liabilities	71,915			71,215			70,560			68,061			67,161			1		7
All other liabilities	2,054			1,891			1,861			1,819			1,661			9		24
Shareholders’ equity	11,156			11,333			10,855			10,677			10,745			(2	)	4
Total liabilities and shareholders’ equity	$	105,355		$	104,821		$	103,848		$	102,302		$	101,290		1	%	4	%

(1) Includes nonaccrual loans.

(2) Amounts include the effects of hedge and risk management activities associated with the respective asset and liability categories.

7

Huntington Bancshares Incorporated

Consolidated Quarterly Net Interest Margin - Interest Income / Expense(1)(2)

(Unaudited)

	Quarterly Interest Income / Expense
	September 30,		June 30,		March 31,		December 31,		September 30,
(dollar amounts in millions)	2018		2018		2018		2017		2017
Assets
Interest-bearing deposits in banks	$	—	$	1	$	—	$	1	$	—
Securities:
Trading account securities	—		—		—		—		—
Available-for-sale securities:
Taxable	69		71		70		69		69
Tax-exempt	30		30		29		31		29
Total available-for-sale securities	99		101		99		100		98
Held-to-maturity securities - taxable	52		53		54		55		49
Other securities	7		7		6		6		5
Total securities	158		161		159		161		152
Loans held for sale	8		6		5		5		7
Loans and leases:
Commercial:
Commercial and industrial	342		329		303		292		286
Commercial real estate:
Construction	15		15		14		14		13
Commercial	72		72		65		61		63
Commercial real estate	87		87		79		75		76
Total commercial	429		416		382		367		362
Consumer:
Automobile	117		111		106		109		106
Home equity	130		126		121		119		119
Residential mortgage	97		89		84		80		77
RV and marine finance	39		34		31		32		32
Other consumer	37		35		33		32		31
Total consumer	420		395		375		372		365
Total loans and leases	849		811		757		739		727
Total earning assets	$	1,015	$	979	$	921	$	906	$	886
Liabilities
Deposits:
Demand deposits - noninterest-bearing	$	—	$	—	$	—	$	—	$	—
Demand deposits - interest-bearing	22		18		13		13		10
Total demand deposits	22		18		13		13		10
Money market deposits	42		31		23		20		19
Savings and other domestic deposits	7		6		6		5		6
Core certificates of deposit	23		14		6		4		4
Total core deposits	94		69		48		42		39
Other domestic deposits of $250,000 or more	1		1		—		—		1
Brokered deposits and negotiable CDs	17		17		12		11		10
Total deposits	112		87		60		53		50
Short-term borrowings	9		14		19		8		6
Long-term debt	84		87		65		63		59
Total interest bearing liabilities	205		188		144		124		115
Net interest income	$	810	$	791	$	777	$	782	$	771

(1) Fully-taxable equivalent (FTE) income and expense calculated assuming a 21% tax rate and a 35% tax rate for periods prior to January 1, 2018. See page 10 for the FTE adjustment.

(2) Amounts include the effects of hedge and risk management activities associated with the respective asset and liability categories.

8

Huntington Bancshares Incorporated

Consolidated Quarterly Net Interest Margin - Yield

(Unaudited)

	Quarterly Average Rates(2)
	September 30,		June 30,		March 31,		December 31,		September 30,
Fully-taxable equivalent basis(1)	2018		2018		2018		2017		2017
Assets
Interest-bearing deposits in banks	1.95	%	1.95	%	1.97	%	1.92	%	1.77	%
Securities:
Trading account securities	0.26		0.23		0.15		0.21		0.16
Available-for-sale securities:
Taxable	2.61		2.63		2.51		2.45		2.38
Tax-exempt	3.53		3.35		3.18		3.76		3.62
Total available-for-sale securities	2.84		2.81		2.67		2.75		2.64
Held-to-maturity securities - taxable	2.43		2.42		2.45		2.41		2.36
Other securities	4.58		4.58		3.98		3.86		3.35
Total securities	2.73		2.71		2.62		2.64		2.55
Loans held for sale	4.45		4.17		3.82		3.68		3.83
Loans and leases:(3)
Commercial:
Commercial and industrial	4.64		4.52		4.28		4.17		4.05
Commercial real estate:
Construction	5.31		5.26		4.73		4.47		4.55
Commercial	4.63		4.58		4.24		4.03		4.08
Commercial real estate	4.74		4.68		4.32		4.10		4.16
Total commercial	4.66		4.55		4.29		4.15		4.07
Consumer:
Automobile	3.75		3.63		3.56		3.61		3.60
Home equity	5.21		5.09		4.90		4.71		4.72
Residential mortgage	3.78		3.69		3.66		3.66		3.65
RV and marine finance	5.06		5.11		5.11		5.25		5.43
Other consumer	12.16		11.90		11.78		11.53		11.59
Total consumer	4.54		4.43		4.34		4.31		4.32
Total loans and leases	4.60		4.49		4.32		4.23		4.20
Total earning assets	4.16		4.07		3.91		3.83		3.78
Liabilities
Deposits:
Demand deposits - noninterest-bearing	—		—		—		—		—
Demand deposits - interest-bearing	0.45		0.38		0.29		0.26		0.23
Total demand deposits	0.22		0.18		0.14		0.12		0.10
Money market deposits	0.77		0.60		0.45		0.40		0.36
Savings and other domestic deposits	0.24		0.21		0.20		0.20		0.20
Core certificates of deposit	1.82		1.56		1.01		0.75		0.73
Total interest-bearing core deposits	0.65		0.51		0.36		0.32		0.30
Other domestic deposits of $250,000 or more	1.40		1.01		0.69		0.54		0.61
Brokered deposits and negotiable CDs	1.98		1.81		1.47		1.21		1.16
Total interest-bearing deposits	0.73		0.59		0.43		0.37		0.35
Short-term borrowings	1.98		1.82		1.47		1.15		0.95
Long-term debt	3.78		3.75		2.92		2.73		2.65
Total interest-bearing liabilities	1.13		1.05		0.82		0.73		0.68
Net interest rate spread	3.03		3.02		3.09		3.10		3.10
Impact of noninterest-bearing funds on margin	0.29		0.27		0.21		0.20		0.19
Net interest margin	3.32	%	3.29	%	3.30	%	3.30	%	3.29	%

Commercial Loan Derivative Impact
(Unaudited)
	Average Rates
	2018		2018		2018		2017		2017
Fully-taxable equivalent basis(1)	Third		Second		First		Fourth		Third
Commercial loans(2)(3)	4.66	%	4.55	%	4.29	%	4.16	%	4.10	%
Impact of commercial loan derivatives	—		—		—		(0.01	)	(0.03	)
Total commercial - as reported	4.66	%	4.55	%	4.29	%	4.15	%	4.07	%
Average 30 day LIBOR	2.11	%	1.97	%	1.65	%	1.33	%	1.23	%

(1) Fully-taxable equivalent (FTE) yields are calculated assuming a 21% tax rate and a 35% tax rate for periods prior to January 1, 2018. See page 10 for the FTE adjustment.

(2) Yield/rates include the effects of hedge and risk management activities associated with the respective asset and liability categories.

(3) Includes nonaccrual loans.

9

Huntington Bancshares Incorporated

Selected Quarterly Income Statement Data(1)

(Unaudited)

	Three Months Ended
	September 30,			June 30,		March 31,		December 31,			September 30,
(dollar amounts in millions, except share amounts)	2018			2018		2018		2017			2017
Interest income	$	1,007		$	972	$	914	$	894		$	873
Interest expense	205			188		144		124			115
Net interest income	802			784		770		770			758
Provision for credit losses	53			56		66		65			43
Net interest income after provision for credit losses	749			728		704		705			715
Service charges on deposit accounts	93			91		86		91			91
Cards and payment processing income	57			56		53		53			54
Trust and investment management services	43			42		44		41			39
Mortgage banking income	31			28		26		33			34
Insurance income	19			21		21		21			18
Capital markets fees	22			21		19		23			22
Bank owned life insurance income	19			17		15		18			16
Gain on sale of loans and leases	16			15		8		17			14
Securities gains (losses)	(2		)	—		—		(4		)	—
Other income	44			45		42		47			42
Total noninterest income	342			336		314		340			330
Personnel costs	388			396		376		373			377
Outside data processing and other services	69			69		73		71			80
Net occupancy	38			35		41		36			55
Equipment	38			38		40		36			45
Deposit and other insurance expense	18			18		18		19			19
Professional services	17			15		11		18			15
Marketing	12			18		8		10			17
Amortization of intangibles	13			13		14		14			14
Other expense	58			50		52		56			58
Total noninterest expense	651			652		633		633			680
Income before income taxes	440			412		385		412			365
Provision for income taxes	62			57		59		(20		)	90
Net income	378			355		326		432			275
Dividends on preferred shares	18			21		12		19			19
Net income applicable to common shares	$	360		$	334	$	314	$	413		$	256
Average common shares - basic (000)	1,084,536			1,103,337		1,083,836		1,077,397			1,086,038
Average common shares - diluted	1,103,740			1,122,612		1,124,778		1,130,117			1,106,491
Per common share
Net income - basic	$	0.33		$	0.30	$	0.29	$	0.38		$	0.24
Net income - diluted	0.33			0.30		0.28		0.37			0.23
Cash dividends declared	0.14			0.11		0.11		0.11			0.08
Revenue - fully-taxable equivalent (FTE)
Net interest income	$	802		$	784	$	770	$	770		$	758
FTE adjustment	8			7		7		12			13
Net interest income(2)	810			791		777		782			771
Noninterest income	342			336		314		340			330
Total revenue(2)	$	1,152		$	1,127	$	1,091	$	1,122		$	1,101

(1) Comparisons for presented periods are impacted by a number of factors. Refer to Significant Items.

(2) On a fully-taxable equivalent (FTE) basis assuming a 21% tax rate and a 35% tax rate for periods prior to January 1, 2018.

10

Huntington Bancshares Incorporated

Quarterly Mortgage Banking Noninterest Income

(Unaudited)

	Three Months Ended
	September 30,			June 30,			March 31,			December 31,			September 30,			Percent Changes vs.
(dollar amounts in millions)	2018			2018			2018			2017			2017			2Q18		3Q17
Net origination and secondary marketing income	$	24		$	21		$	18		$	24		$	25		14	%	(4	)%
Net mortgage servicing income
Loan servicing income	14			14			14			13			13			—		8
Amortization of capitalized servicing	(9		)	(8		)	(8		)	(8		)	(7		)	(13	)	(29	)
Operating income	5			6			6			5			6			(17	)	(17	)
MSR valuation adjustment (1)	—			—			7			2			—			—		—
Gains (losses) due to MSR hedging	—			—			(7		)	(1		)	—			—		—
Net MSR risk management	—			—			—			1			—			—		—
Total net mortgage servicing income	$	5		$	6		$	6		$	6		$	6		(17	)%	(17	)%
All other	2			1			2			3			3			100		(33	)
Mortgage banking income	$	31		$	28		$	26		$	33		$	34		11	%	(9	)%
Mortgage origination volume	$	1,818		$	2,127		$	1,513		$	1,784		$	1,828		(15	)%	(1	)%
Mortgage origination volume for sale	1,112			1,131			870			1,006			1,095			(2	)	2
Third party mortgage loans serviced (2)	20,617			20,416			20,225			19,989			19,552			1		5
Mortgage servicing rights (2)	219			215			212			202			195			2		12
MSR % of investor servicing portfolio (2)	1.06		%	1.05		%	1.05		%	1.01		%	1.00		%	1	%	6	%

(1) The change in fair value for the period represents the MSR valuation adjustment, net of amortization of capitalized servicing.

(2) At period end.

11

Huntington Bancshares Incorporated

Quarterly Credit Reserves Analysis

(Unaudited)

	Three Months Ended
	September 30,			June 30,			March 31,			December 31,			September 30,
(dollar amounts in millions)	2018			2018			2018			2017			2017
Allowance for loan and lease losses, beginning of period	$	741		$	721		$	691		$	675		$	668
Loan and lease losses	(58		)	(53		)	(73		)	(60		)	(65		)
Recoveries of loans previously charged off	29			25			35			19			22
Net loan and lease losses	(29		)	(28		)	(38		)	(41		)	(43		)
Provision for loan and lease losses	49			48			68			57			50
Allowance for loan and lease losses, end of period	761			741			721			691			675
Allowance for unfunded loan commitments and letters of credit, beginning of period	93			85			87			79			85
Provision for (reduction in) unfunded loan commitments and letters of credit losses	4			8			(2		)	8			(6		)
Allowance for unfunded loan commitments and letters of credit, end of period	97			93			85			87			79
Total allowance for credit losses, end of period	$	858		$	834		$	806		$	778		$	754
Allowance for loan and lease losses (ALLL) as % of:
Total loans and leases	1.04		%	1.02		%	1.01		%	0.99		%	0.98		%
Nonaccrual loans and leases (NALs)	206			197			188			198			200
Nonperforming assets (NPAs)	189			180			172			178			175
Total allowance for credit losses (ACL) as % of:
Total loans and leases	1.17		%	1.15		%	1.13		%	1.11		%	1.10		%

12

Huntington Bancshares Incorporated

Quarterly Net Charge-Off Analysis

(Unaudited)

	Three Months Ended
	September 30,			June 30,			March 31,			December 31,			September 30,
(dollar amounts in millions)	2018			2018			2018			2017			2017
Net charge-offs by loan and lease type:
Commercial:
Commercial and industrial	$	(1	)	$	3		$	17		$	8		$	13
Commercial real estate:
Construction	—			—			(1		)	(1		)	(1		)
Commercial	(3		)	(1		)	(13		)	—			(3		)
Commercial real estate	(3		)	(1		)	(14		)	(1		)	(4		)
Total commercial	(4		)	2			3			7			9
Consumer:
Automobile	8			7			10			12			9
Home equity	1			—			3			1			1
Residential mortgage	2			1			1			—			2
RV and marine finance	2			2			3			2			4
Other consumer	20			16			18			19			18
Total consumer	33			26			35			34			34
Total net charge-offs	$	29		$	28		$	38		$	41		$	43
	Three Months Ended
	September 30,			June 30,			March 31,			December 31,			September 30,
	2018			2018			2018			2017			2017
Net charge-offs - annualized percentages:
Commercial:
Commercial and industrial	(0.01		)%	0.04		%	0.24		%	0.10		%	0.19		%
Commercial real estate:
Construction	(0.01		)	(0.22		)	(0.18		)	(0.14		)	(0.30		)
Commercial	(0.18		)	(0.06		)	(0.80		)	(0.02		)	(0.21		)
Commercial real estate	(0.15		)	(0.08		)	(0.70		)	(0.04		)	(0.22		)
Total commercial	(0.04		)	0.02			0.04			0.07			0.11
Consumer:
Automobile	0.26			0.22			0.32			0.39			0.33
Home equity	0.06			0.01			0.11			0.01			0.06
Residential mortgage	0.07			0.04			0.04			0.04			0.10
RV and marine finance	0.25			0.34			0.42			0.46			0.59
Other consumer	6.32			5.60			6.51			6.99			6.51
Total consumer	0.36			0.30			0.39			0.40			0.40
Net charge-offs as a % of average loans	0.16		%	0.16		%	0.21		%	0.24		%	0.25		%

13

Huntington Bancshares Incorporated

Quarterly Nonaccrual Loans and Leases (NALs) and Nonperforming Assets (NPAs)

(Unaudited)

	September 30,			June 30,			March 31,			December 31,			September 30,
(dollar amounts in millions)	2018			2018			2018			2017			2017
Nonaccrual loans and leases (NALs):
Commercial and industrial	$	211		$	207		$	190		$	161		$	170
Commercial real estate	19			25			30			29			18
Automobile	5			4			5			6			4
Residential mortgage	67			73			82			84			75
RV and marine finance	1			1			1			1			—
Home equity	67			68			75			68			71
Other consumer	—			—			—			—			—
Total nonaccrual loans and leases	370			378			383			349			338
Other real estate, net:
Residential	22			23			23			24			26
Commercial	5			5			7			9			16
Total other real estate, net	27			28			30			33			42
Other NPAs (1)	6			6			7			7			7
Total nonperforming assets	$	403		$	412		$	420		$	389		$	387
Nonaccrual loans and leases as a % of total loans and leases	0.50		%	0.52		%	0.54		%	0.50		%	0.49		%
NPA ratio (2)	0.55			0.57			0.59			0.55			0.56
(NPA+90days)/(Loan+OREO) (3)	0.76			0.75			0.74			0.72			0.74

	Three Months Ended
	September 30,			June 30,			March 31,			December 31,			September 30,
(dollar amounts in millions)	2018			2018			2018			2017			2017
Nonperforming assets, beginning of period	$	412		$	420		$	389		$	387		$	415
New nonperforming assets	114			96			158			116			85
Returns to accruing status	(24		)	(25		)	(23		)	(25		)	(38		)
Loan and lease losses	(29		)	(21		)	(32		)	(21		)	(23		)
Payments	(62		)	(53		)	(64		)	(54		)	(44		)
Sales and held-for-sale transfers	(8		)	(5		)	(8		)	(14		)	(8		)
Nonperforming assets, end of period	$	403		$	412		$	420		$	389		$	387

(1) Other nonperforming assets includes certain impaired investment securities.

(2) Nonperforming assets divided by the sum of loans and leases, net other real estate owned, and other NPAs.

(3) The sum of nonperforming assets and total accruing loans and leases past due 90 days or more divided by the sum of loans and leases and other real estate.

14

Huntington Bancshares Incorporated

Quarterly Accruing Past Due Loans and Leases and Accruing and Nonaccruing Troubled Debt Restructured Loans

(Unaudited)

	September 30,			June 30,			March 31,			December 31,			September 30,
(dollar amounts in millions)	2018			2018			2018			2017			2017
Accruing loans and leases past due 90 days or more:
Commercial and industrial	$	9		$	9		$	9		$	9		$	14
Commercial real estate	—			—			1			3			10
Automobile	7			6			6			7			10
Residential mortgage (excluding loans guaranteed by the U.S. Government)	28			18			19			21			14
RV and marine finance	1			1			2			1			2
Home equity	15			16			15			18			16
Other consumer	6			4			4			5			4
Total, excl. loans guaranteed by the U.S. Government	66			54			56			64			70
Add: loans guaranteed by U.S. Government	88			78			50			51			49
Total accruing loans and leases past due 90 days or more, including loans guaranteed by the U.S. Government	$	154		$	132		$	106		$	115		$	119
Ratios:
Excluding loans guaranteed by the U.S. Government, as a percent of total loans and leases	0.09		%	0.07		%	0.08		%	0.09		%	0.10		%
Guaranteed by U.S. Government, as a percent of total loans and leases	0.12			0.11			0.07			0.07			0.07
Including loans guaranteed by the U.S. Government, as a percent of total loans and leases	0.21			0.18			0.15			0.16			0.17
Accruing troubled debt restructured loans:
Commercial and industrial	$	308		$	314		$	316		$	300		$	268
Commercial real estate	60			65			76			78			80
Automobile	34			32			32			30			29
Home equity	257			258			261			265			265
Residential mortgage	219			221			224			224			235
RV and marine finance	2			1			1			1			1
Other consumer	10			9			6			8			7
Total accruing troubled debt restructured loans	$	890		$	900		$	916		$	906		$	885
Nonaccruing troubled debt restructured loans:
Commercial and industrial	$	100		$	87		$	83		$	82		$	96
Commercial real estate	8			14			16			15			4
Automobile	3			3			3			4			4
Home equity	28			28			31			28			31
Residential mortgage	46			46			52			55			50
RV and marine finance	1			1			—			—			—
Other consumer	—			—			—			—			—
Total nonaccruing troubled debt restructured loans	$	186		$	179		$	185		$	184		$	185

15

Huntington Bancshares Incorporated

Quarterly Capital Under Current Regulatory Standards (Basel III) and Other Capital Data

(Unaudited)

	September 30,			June 30,			March 31,			December 31,			September 30,
(dollar amounts in millions)	2018			2018			2018			2017			2017
Common equity tier 1 risk-based capital ratio:(1)
Total shareholders’ equity	$	10,934		$	11,472		$	11,308		$	10,814		$	10,699
Regulatory capital adjustments:
Shareholders’ preferred equity	(1,207		)	(1,207		)	(1,207		)	(1,076		)	(1,076		)
Accumulated other comprehensive income offset	790			729			676			528			370
Goodwill and other intangibles, net of related taxes	(2,226		)	(2,229		)	(2,244		)	(2,200		)	(2,150		)
Deferred tax assets that arise from tax loss and credit carryforwards	(28		)	(28		)	(29		)	(25		)	(26		)
Common equity tier 1 capital	8,263			8,737			8,504			8,041			7,817
Additional tier 1 capital
Shareholders’ preferred equity	1,207			1,207			1,207			1,076			1,076
Other	—			—			1			(7		)	(7		)
Tier 1 capital	9,470			9,944			9,712			9,110			8,886
Long-term debt and other tier 2 qualifying instruments	839			809			804			869			885
Qualifying allowance for loan and lease losses	858			834			806			778			754
Tier 2 capital	1,697			1,643			1,610			1,647			1,639
Total risk-based capital	$	11,167		$	11,587		$	11,322		$	10,757		$	10,525
Risk-weighted assets (RWA)(1)	$	83,580		$	82,951		$	81,365		$	80,340		$	78,631
Common equity tier 1 risk-based capital ratio(1)	9.89		%	10.53		%	10.45		%	10.01		%	9.94		%
Other regulatory capital data:
Tier 1 leverage ratio(1)	9.14			9.65			9.53			9.09			8.96
Tier 1 risk-based capital ratio(1)	11.33			11.99			11.94			11.34			11.30
Total risk-based capital ratio(1)	13.36			13.97			13.92			13.39			13.39
Non-regulatory capital data:
Tangible common equity / RWA ratio(1)	8.97			9.67			9.65			9.31			9.41

(1) September 30, 2018, figures are estimated.

16

Huntington Bancshares Incorporated

Quarterly Common Stock Summary, Non-Regulatory Capital, and Other Data

(Unaudited)

Quarterly common stock summary

	September 30,		June 30,		March 31,		December 31,		September 30,
	2018		2018		2018		2017		2017
Common stock price, per share
High(1)	$	16.525	$	15.850	$	16.600	$	14.930	$	14.050
Low(1)	14.500		14.260		14.490		13.040		12.140
Close	14.920		14.760		15.100		14.560		13.960
Average closing price	15.622		15.040		15.718		13.470		13.152
Dividends, per share
Cash dividends declared per common share	$	0.14	$	0.11	$	0.11	$	0.11	$	0.08
Common shares outstanding (000)
Average - basic	1,084,536		1,103,337		1,083,836		1,077,397		1,086,038
Average - diluted	1,103,740		1,122,612		1,124,778		1,130,117		1,106,491
Ending	1,061,529		1,104,227		1,101,796		1,072,027		1,080,946
Tangible book value per common share(2)	$	7.06	$	7.27	$	7.12	$	6.97	$	6.85
Common share repurchases (000)
Number of shares repurchased	43,670		—		3,007		9,785		9,645

Non-regulatory capital

	September 30,			June 30,			March 31,			December 31,			September 30,
(dollar amounts in millions)	2018			2018			2018			2017			2017
Calculation of tangible equity / asset ratio:
Total shareholders’ equity	$	10,934		$	11,472		$	11,308		$	10,814		$	10,699
Less: goodwill	(1,993		)	(1,993		)	(1,993		)	(1,993		)	(1,993		)
Less: other intangible assets	(306		)	(319		)	(333		)	(346		)	(360		)
Add: related deferred tax liability(2)	64			67			70			73			126
Total tangible equity	8,699			9,227			9,052			8,548			8,472
Less: preferred equity	(1,203		)	(1,203		)	(1,203		)	(1,071		)	(1,071		)
Total tangible common equity	$	7,496		$	8,024		$	7,849		$	7,477		$	7,401
Total assets	$	105,652		$	105,358		$	104,246		$	104,185		$	101,988
Less: goodwill	(1,993		)	(1,993		)	(1,993		)	(1,993		)	(1,993		)
Less: other intangible assets	(306		)	(319		)	(333		)	(346		)	(360		)
Add: related deferred tax liability(2)	64			67			70			73			126
Total tangible assets	$	103,417		$	103,113		$	101,990		$	101,919		$	99,761
Tangible equity / tangible asset ratio	8.41		%	8.95		%	8.88		%	8.39		%	8.49		%
Tangible common equity / tangible asset ratio	7.25			7.78			7.70			7.34			7.42
Other data:
Number of employees (Average full-time equivalent)	15,772			15,732			15,599			15,375			15,508
Number of domestic full-service branches(3)	970			968			966			966			958
ATM Count	1,860			1,831			1,866			1,848			1,860

(1) High and low stock prices are intra-day quotes obtained from Bloomberg.

(2) Other intangible assets are net of deferred tax liability, calculated at a 21% tax rate and a 35% tax rate for periods prior to December 31, 2017.

(3) Includes Regional Banking and The Huntington Private Client Group offices.

17

Huntington Bancshares Incorporated

Consolidated Year To Date Average Balance Sheets

(Unaudited)

	YTD Average Balances (2)
	Nine Months Ended September 30,						Change
(dollar amounts in millions)	2018			2017			Amount			Percent
Assets
Interest-bearing deposits in banks	$	86		$	102		$	(16	)	(16	)%
Securities:
Trading account securities	84			107			(23		)	(21	)
Available-for-sale securities:
Taxable	10,817			12,157			(1,340		)	(11	)
Tax-exempt	3,561			3,105			456			15
Total available-for-sale securities	14,378			15,262			(884		)	(6	)
Held-to-maturity securities - taxable	8,713			7,785			928			12
Other securities	590			578			12			2
Total securities	23,765			23,732			33			—
Loans held for sale	615			540			75			14
Loans and leases:(1)
Commercial:
Commercial and industrial	28,661			27,852			809			3
Commercial real estate:
Construction	1,149			1,198			(49		)	(4	)
Commercial	6,131			6,014			117			2
Commercial real estate	7,280			7,212			68			1
Total commercial	35,941			35,064			877			3
Consumer:
Automobile	12,247			11,369			878			8
Home equity	9,948			9,983			(35		)	—
Residential mortgage	9,682			8,055			1,627			20
RV and marine finance	2,723			2,071			652			31
Other consumer	1,175			997			178			18
Total consumer	35,775			32,475			3,300			10
Total loans and leases	71,716			67,539			4,177			6
Allowance for loan and lease losses	(737		)	(660		)	(77		)	(12	)
Net loans and leases	70,979			66,879			4,100			6
Total earning assets	96,182			91,913			4,269			5
Cash and due from banks	1,277			1,530			(253		)	(17	)
Intangible assets	2,318			2,373			(55		)	(2	)
All other assets	5,640			5,433			207			4
Total assets	$	104,680		$	100,589		4,091			4	%
Liabilities and shareholders’ equity
Deposits:
Demand deposits - noninterest-bearing	$	20,393		$	21,684		$	(1,291	)	(6	)%
Demand deposits - interest-bearing	19,105			17,380			1,725			10
Total demand deposits	39,498			39,064			434			1
Money market deposits	21,059			19,399			1,660			9
Savings and other domestic deposits	11,267			11,815			(548		)	(5	)
Core certificates of deposit	3,677			2,176			1,501			69
Total core deposits	75,501			72,454			3,047			4
Other domestic deposits of $250,000 or more	259			460			(201		)	(44	)
Brokered deposits and negotiable CDs	3,501			3,770			(269		)	(7	)
Total deposits	79,261			76,684			2,577			3
Short-term borrowings	3,335			2,952			383			13
Long-term debt	9,033			8,738			295			3
Total interest-bearing liabilities	71,236			66,690			4,546			7
All other liabilities	1,935			1,627			308			19
Shareholders’ equity	11,116			10,588			528			5
Total liabilities and shareholders’ equity	$	104,680		$	100,589		$	4,091		4	%

(1) Includes nonaccrual loans.

(2) Amounts include the effects of hedge and risk management activities associated with the respective asset and liability categories.

18

Huntington Bancshares Incorporated

Consolidated Year To Date Net Interest Margin - Interest Income / Expense(1)(2)

(Unaudited)

	YTD Interest Income / Expense
	Nine Months Ended September 30,
(dollar amounts in millions)	2018		2017
Assets
Interest-bearing deposits in banks	$	1	$	1
Securities:
Trading account securities	—		—
Available-for-sale securities:
Taxable	210		215
Tax-exempt	89		86
Total available-for-sale securities	299		301
Held-to-maturity securities - taxable	159		138
Other securities	20		15
Total securities	478		454
Loans held for sale	19		15
Loans and leases:
Commercial:
Commercial and industrial	974		850
Commercial real estate:
Construction	44		38
Commercial	209		179
Commercial real estate	253		217
Total commercial	1,227		1,067
Consumer:
Automobile	334		303
Home equity	377		344
Residential mortgage	270		220
RV and marine finance	104		86
Other consumer	105		86
Total consumer	1,190		1,039
Total loans and leases	2,417		2,106
Total earning assets	$	2,915	$	2,576
Liabilities
Deposits:
Demand deposits - noninterest-bearing	$	—	$	—
Demand deposits - interest-bearing	53		26
Total demand deposits	53		26
Money market deposits	96		45
Savings and other domestic deposits	19		19
Core certificates of deposit	43		9
Total core deposits	211		99
Other domestic deposits of $250,000 or more	2		2
Brokered deposits and negotiable CDs	46		26
Total deposits	259		127
Short-term borrowings	42		17
Long-term debt	236		163
Total interest-bearing liabilities	537		307
Net interest income	$	2,378	$	2,269

(1) Fully-taxable equivalent (FTE) income and expense calculated assuming a 21% tax rate and a 35% tax rate for periods prior to January 1, 2018. See page 21 for the FTE adjustment.

(2) Amounts include the effects of hedge and risk management activities associated with the respective asset and liability categories.

19

Huntington Bancshares Incorporated

Consolidated Year To Date Net Interest Margin - Yield

(Unaudited)

	YTD Average Rates(2)
	Nine Months Ended September 30,
Fully-taxable equivalent basis(1)	2018		2017
Assets
Interest-bearing deposits in banks	1.95	%	1.46	%
Securities:
Trading account securities	0.21		0.17
Available-for-sale securities:
Taxable	2.58		2.36
Tax-exempt	3.35		3.70
Total available-for-sale securities	2.77		2.63
Held-to-maturity securities - taxable	2.43		2.37
Other securities	4.38		3.28
Total securities	2.69		2.55
Loans held for sale	4.19		3.79
Loans and leases:(3)
Commercial:
Commercial and industrial	4.48		4.03
Commercial real estate:
Construction	5.09		4.24
Commercial	4.49		3.92
Commercial real estate	4.58		3.97
Total commercial	4.50		4.01
Consumer:
Automobile	3.65		3.57
Home equity	5.07		4.60
Residential mortgage	3.71		3.65
RV and marine finance	5.09		5.54
Other consumer	11.91		11.53
Total consumer	4.44		4.27
Total loans and leases	4.47		4.14
Total earning assets	4.05	%	3.75	%
Liabilities
Deposits:
Demand deposits - noninterest-bearing	—	%	—	%
Demand deposits - interest-bearing	0.37		0.20
Total demand deposit	0.18		0.09
Money market deposits	0.61		0.31
Savings and other domestic deposits	0.22		0.21
Core certificates of deposit	1.57		0.55
Total interest-bearing core deposits	0.51		0.26
Other domestic deposits of $250,000 or more	1.05		0.51
Brokered deposits and negotiable CDs	1.76		0.93
Total interest-bearing deposits	0.59		0.31
Short-term borrowings	1.67		0.76
Long-term debt	3.48		2.49
Total interest-bearing liabilities	1.01		0.61
Net interest rate spread	3.05		3.13
Impact of noninterest-bearing funds on margin	0.26		0.17
Net interest margin	3.31	%	3.30	%

Commercial Loan Derivative Impact
(Unaudited)
	YTD Average Rates
	Nine Months Ended September 30,
Fully-taxable equivalent basis(1)	2018		2017
Commercial loans(2)(3)	4.50	%	4.03	%
Impact of commercial loan derivatives	—	%	(0.02	)%
Total commercial - as reported	4.50	%	4.01	%
Average 30 day LIBOR	1.91	%	1.04	%

(1) Fully-taxable equivalent (FTE) yields are calculated assuming a 21% tax rate and a 35% tax rate for periods prior to January 1, 2018. See page 21 for the FTE adjustment.

(2) Loan and lease and deposit average rates include impact of applicable derivatives, non-deferrable fees, and amortized fees.

(3) Includes the impact of nonaccrual loans.

20

Huntington Bancshares Incorporated

Selected Year To Date Income Statement Data(1)

(Unaudited)

	Nine Months Ended September 30,					Change
(dollar amounts in millions, except per share amounts)	2018			2017		Amount			Percent
Interest income	$	2,893		$	2,539	$	354		14	%
Interest expense	537			306		231			75
Net interest income	2,356			2,233		123			6
Provision for credit losses	175			136		39			29
Net interest income after provision for credit losses	2,181			2,097		84			4
Service charges on deposit accounts	270			262		8			3
Cards and payment processing income	166			153		13			8
Trust and investment management services	129			115		14			12
Mortgage banking income	85			98		(13		)	(13	)
Insurance income	61			60		1			2
Capital market fees	62			53		9			17
Bank owned life insurance income	51			49		2			4
Gain on sale of loans and leases	39			39		—			—
Securities gains (losses)	(2		)	—		(2		)	(100	)
Other income	131			138		(7		)	(5	)
Total noninterest income	992			967		25			3
Personnel costs	1,160			1,151		9			1
Outside data processing and other services	211			242		(31		)	(13	)
Net occupancy	114			176		(62		)	(35	)
Equipment	116			135		(19		)	(14	)
Deposit and other insurance expense	54			59		(5		)	(8	)
Professional services	43			51		(8		)	(16	)
Marketing	38			50		(12		)	(24	)
Amortization of intangibles	40			42		(2		)	(5	)
Other expense	160			176		(16		)	(9	)
Total noninterest expense	1,936			2,082		(146		)	(7	)
Income before income taxes	1,237			982		255			26
Provision for income taxes	178			228		(50		)	(22	)
Net income	1,059			754		305			40
Dividends on preferred shares	51			57		(6		)	(11	)
Net income applicable to common shares	$	1,008		$	697	$	311		45	%
Average common shares - basic (000)	1,090,570			1,087,115		3			—
Average common shares - diluted	1,116,978			1,107,878		9			1
Per common share
Net income - basic	$	0.92		$	0.64	$	0.28		44	%
Net income - diluted	0.90			0.63		0.27			43
Cash dividends declared	0.36			0.24		0.12			50
Revenue - fully taxable equivalent (FTE)
Net interest income	$	2,356		$	2,233	$	123		6	%
FTE adjustment(2)	22			38		(16		)	(42	)
Net interest income	2,378			2,271		107			5
Noninterest income	992			967		25			3
Total revenue(2)	$	3,370		$	3,238	$	132		4	%

(1) Comparisons for presented periods are impacted by a number of factors. Refer to Significant Items.

(2) On a fully-taxable equivalent (FTE) basis assuming a 21% tax rate and a 35% tax rate for periods prior to January 1, 2018.

21

Huntington Bancshares Incorporated

Year To Date Mortgage Banking Noninterest Income

(Unaudited)

	Nine Months Ended September 30,						Change
(dollar amounts in millions)	2018			2017			Amount			Percent
Net origination and secondary marketing income	$	63		$	71		(8		)	(11	)%
Net mortgage servicing income
Loan servicing income	42			39			3			8
Amortization of capitalized servicing	(25		)	(21		)	(4		)	(19	)
Operating income	17			18			(1		)	(6	)
MSR valuation adjustment (1)	7			(1		)	8			800
Gains (losses) due to MSR hedging	(7		)	1			(8		)	(800	)
Net MSR risk management	—			—			—			—
Total net mortgage servicing income	$	17		$	18		$	(1	)	(6	)%
All other	5			9			(4		)	(44	)
Mortgage banking income	$	85		$	98		$	(13	)	(13	)%
Mortgage origination volume	$	5,458		$	4,850		$	608		13	%
Mortgage origination volume for sale	3,113			2,906			207			7
Third party mortgage loans serviced (2)	20,617			19,552			1,065			5
Mortgage servicing rights (2)	219			195			24			12
MSR % of investor servicing portfolio	1.06		%	1.00		%	0.06		%	6	%

(1) The change in fair value for the period represents the MSR valuation adjustment, net of amortization of capitalized servicing.

(2) At period end.

22

Huntington Bancshares Incorporated

Year To Date Credit Reserves Analysis

(Unaudited)

	Nine Months Ended September 30,
(dollar amounts in millions)	2018			2017
Allowance for loan and lease losses, beginning of period	$	691		$	638
Loan and lease losses	(184		)	(192		)
Recoveries of loans previously charged off	89			74
Net loan and lease losses	(95		)	(118		)
Provision for loan and lease losses	165			155
Allowance of assets sold or transferred to loans held for sale	—			—
Allowance for loan and lease losses, end of period	761			675
Allowance for unfunded loan commitments and letters of credit, beginning of period	$	87		$	98
Provision for (reduction in) unfunded loan commitments and letters of credit losses	10			(19		)
Allowance for unfunded loan commitments and letters of credit, end of period	97			79
Total allowance for credit losses	$	858		$	754
Allowance for loan and lease losses (ALLL) as % of:
Total loans and leases	1.04		%	0.98		%
Nonaccrual loans and leases (NALs)	206			200
Nonperforming assets (NPAs)	189			175
Total allowance for credit losses (ACL) as % of:
Total loans and leases	1.17		%	1.10		%

23

Huntington Bancshares Incorporated

Year To Date Net Charge-Off Analysis

(Unaudited)

	Nine Months Ended September 30,
(dollar amounts in millions)	2018			2017
Net charge-offs by loan and lease type:
Commercial:
Commercial and industrial	$	19		$	34
Commercial real estate:
Construction	(1		)	(4		)
Commercial	(17		)	(6		)
Commercial real estate	(18		)	(10		)
Total commercial	1			24
Consumer:
Automobile	25			30
Home equity	4			4
Residential mortgage	4			6
RV and marine finance	7			8
Other consumer	54			46
Total consumer	94			94
Total net charge-offs	$	95		$	118
	Nine Months Ended September 30,
	2018			2017
Net charge-offs - annualized percentages:
Commercial:
Commercial and industrial	0.09		%	0.16		%
Commercial real estate:
Construction	(0.14		)	(0.44		)
Commercial	(0.34		)	(0.13		)
Commercial real estate	(0.31		)	(0.18		)
Total commercial	0.01			0.09
Consumer:
Automobile	0.27			0.36
Home equity	0.06			0.06
Residential mortgage	0.05			0.09
RV and marine finance	0.33			0.49
Other consumer	6.12			6.13
Total consumer	0.35			0.39
Net charge-offs as a % of average loans	0.18		%	0.23		%

24

Huntington Bancshares Incorporated

Year To Date Nonaccrual Loans and Leases (NALs) and Nonperforming Assets (NPAs)

(Unaudited)

	September 30,
(dollar amounts in millions)	2018			2017
Nonaccrual loans and leases (NALs):
Commercial and industrial	$	211		$	170
Commercial real estate	19			18
Automobile	5			4
Residential mortgage	67			75
RV and marine finance	1			—
Home equity	67			71
Other consumer	—			—
Total nonaccrual loans and leases	370			338
Other real estate, net:
Residential	22			26
Commercial	5			16
Total other real estate, net	27			42
Other NPAs (1)	6			7
Total nonperforming assets (3)	$	403		$	387
Nonaccrual loans and leases as a % of total loans and leases	0.50		%	0.49		%
NPA ratio (2)	0.55			0.56

	Nine Months Ended September 30,
(dollar amounts in millions)	2018			2017
Nonperforming assets, beginning of period	$	389		$	481
New nonperforming assets	368			299
Returns to accruing status	(72		)	(93		)
Loan and lease losses	(82		)	(74		)
Payments	(179		)	(198		)
Sales and held-for-sale transfers	(21		)	(28		)
Nonperforming assets, end of period (2)	$	403		$	387

(1) Other nonperforming assets represent an investment security backed by a municipal bond.

(2) Nonperforming assets divided by the sum of loans and leases, net other real estate owned, and other NPAs.

(3) Nonaccruing troubled debt restructured loans on page 25 are included in the total nonperforming assets balance.

25

Huntington Bancshares Incorporated

Year To Date Accruing Past Due Loans and Leases and Accruing and Nonaccruing Troubled Debt Restructured Loans

(Unaudited)

	Nine Months Ended September 30,
(dollar amounts in millions)	2018			2017
Accruing loans and leases past due 90 days or more:
Commercial and industrial	$	9		$	14
Commercial real estate	—			10
Automobile	7			10
Residential mortgage (excluding loans guaranteed by the U.S. Government)	28			14
RV and marine finance	1			2
Home equity	15			16
Other consumer	6			4
Total, excl. loans guaranteed by the U.S. Government	66			70
Add: loans guaranteed by U.S. Government	88			49
Total accruing loans and leases past due 90 days or more, including loans guaranteed by the U.S. Government	$	154		$	119
Ratios:
Excluding loans guaranteed by the U.S. Government, as a percent of total loans and leases	0.09		%	0.10		%
Guaranteed by U.S. Government, as a percent of total loans and leases	0.12			0.07
Including loans guaranteed by the U.S. Government, as a percent of total loans and leases	0.21			0.17
Accruing troubled debt restructured loans:
Commercial and industrial	$	308		$	268
Commercial real estate	60			80
Automobile	34			29
Home equity	257			265
Residential mortgage	219			235
RV and marine finance	2			1
Other consumer	10			7
Total accruing troubled debt restructured loans	$	890		$	885
Nonaccruing troubled debt restructured loans:
Commercial and industrial	$	100		$	96
Commercial real estate	8			4
Automobile	3			4
Home equity	28			31
Residential mortgage	46			50
RV and marine finance	1			—
Other consumer	—			—
Total nonaccruing troubled debt restructured loans	$	186		$	185

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