0000049196-23-000006.txt : 20230120 0000049196-23-000006.hdr.sgml : 20230120 20230120070033 ACCESSION NUMBER: 0000049196-23-000006 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 17 CONFORMED PERIOD OF REPORT: 20230120 ITEM INFORMATION: Results of Operations and Financial Condition ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20230120 DATE AS OF CHANGE: 20230120 FILER: COMPANY DATA: COMPANY CONFORMED NAME: HUNTINGTON BANCSHARES INC /MD/ CENTRAL INDEX KEY: 0000049196 STANDARD INDUSTRIAL CLASSIFICATION: NATIONAL COMMERCIAL BANKS [6021] IRS NUMBER: 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: 23538866 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 8-K 1 hban-20230120.htm 8-K hban-20230120
0000049196false00000491962023-01-202023-01-200000049196us-gaap:SeriesHPreferredStockMember2023-01-202023-01-200000049196hban:SeriesIPreferredStockMember2023-01-202023-01-200000049196us-gaap:CommonStockMember2023-01-202023-01-20

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) January 20, 2023
 ______________________________________________________________________________________________________________________________
hban-20230120_g1.jpg
Huntington Bancshares Incorporated
(Exact name of registrant as specified in its charter)
 _______________________________________________________________________________________________________________________________
Maryland1-3407331-0724920
(State or other jurisdiction of
incorporation or organization)
(Commission
File Number)
(I.R.S. Employer
Identification No.)
Registrant's address: 41 South High Street, Columbus, Ohio 43287
Registrant’s telephone number, including area code: (614480-2265
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)
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:
Title of classTrading
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)HBANPNASDAQ
Depositary Shares (each representing a 1/1000th interest in a share of 5.70% Series I Non-Cumulative, perpetual preferred stock)HBANMNASDAQ
Common Stock—Par Value $0.01 per ShareHBANNASDAQ
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. o



Item  2.02.     Results of Operations and Financial Condition.
On January 20, 2023, Huntington Bancshares Incorporated (“Huntington”) issued a news release announcing its earnings for the quarter and year ended December 31, 2022. Also on January 20, 2023, Huntington made a Quarterly Financial Supplement available in the Investor Relations section of Huntington’s website. Copies of Huntington's news release and quarterly financial supplement are attached hereto as Exhibit 99.1 and Exhibit 99.2, respectively, and are incorporated by reference in this Item 2.02.
Huntington’s senior management will host an earnings conference call on January 20, 2023, at 9:00 a.m. (Eastern Time). The call may be accessed via a live Internet webcast at the Investor Relations section of Huntington’s website, www.huntington.com, or through a dial-in telephone number at (877) 407-8029; Conference ID #13734972. Slides will be available in the Investor Relations section of Huntington’s website about an hour prior to the call. A replay of the webcast will be archived in the Investor Relations section of Huntington’s website. A telephone replay will be available approximately two hours after the completion of the call through January 28, 2023 at (877) 660-6853 or (201) 612-7415; conference ID #13734972.
The information contained or incorporated by reference in this Current Report on Form 8-K contains certain forward-looking statements, including, but not limited to, certain plans, expectations, goals, projections, and statements, which are not historical facts and are subject to numerous assumptions, risks, and uncertainties. Statements that do not describe historical or current facts, including statements about beliefs and expectations, are forward-looking statements. Forward-looking statements may be identified by words such as expect, anticipate, believe, intend, estimate, plan, target, goal, or similar expressions, or future or conditional verbs such as will, may, might, should, would, could, or similar variations. The forward-looking statements are intended to be subject to the safe harbor provided by Section 27A of the Securities Act of 1933, Section 21E of the Securities Exchange Act of 1934, and the Private Securities Litigation Reform Act of 1995.
While there is no assurance that any list of risks and uncertainties or risk factors is complete, below are certain factors which could cause actual results to differ materially from those contained or implied in the forward-looking statements: changes in general economic, political, or industry conditions; the magnitude and duration of the COVID-19 pandemic and related variants and mutations and their impact on the global economy and financial market conditions and our business, results of operations, and financial condition; uncertainty in U.S. fiscal and monetary policy, including the interest rate policies of the Federal Reserve Board; volatility and disruptions in global capital and credit markets; movements in interest rates; reform of LIBOR; competitive pressures on product pricing and services; success, impact, and timing of our business strategies, including market acceptance of any new products or services including those implementing our “Fair Play” banking philosophy; the nature, extent, timing, and results of governmental actions, examinations, reviews, reforms, regulations, and interpretations, including those related to the Dodd-Frank Wall Street Reform and Consumer Protection Act and the Basel III regulatory capital reforms, as well as those involving the OCC, Federal Reserve, FDIC, and CFPB; the possibility that the anticipated benefits of the transaction with TCF are not realized when expected or at all, including as a result of the impact of, or problems arising from, the integration of the two companies or as a result of the strength of the economy and competitive factors in the areas where Huntington does business; and other factors that may affect the future results of Huntington. Additional factors that could cause results to differ materially from those described above can be found in Huntington’s Annual Report on Form 10-K for the year ended December 31, 2021, and in its subsequent Quarterly Reports on Form 10-Q for the quarters ended March 31, 2022, June 30, 2022, and September 30, 2022, each of which is on file with the Securities and Exchange Commission (the “SEC”) and available in the “Investor Relations” section of Huntington’s website http://www.huntington.com, under the heading “Publications and Filings” and in other documents Huntington files 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. Huntington does 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.
The information contained or incorporated by reference in Item 2.02 of this Form 8-K shall be treated as “furnished” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended.



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.

(d)Exhibits.
Exhibit 99.1 – News release of Huntington Bancshares Incorporated, dated January 20, 2023.
Exhibit 99.2 – Quarterly Financial Supplement, December 31, 2022.

EXHIBIT INDEX
Exhibit No.Description
Exhibit 104
Cover Page Interactive Data File - the cover page XBRL tags are embedded within the Inline XBRL document.




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
Date:January 20, 2023By:
/s/ Zachary Wasserman
Zachary Wasserman
Chief Financial Officer

EX-99.1 2 hban20221231_8kex991.htm EX-99.1 Document

Exhibit 99.1
huntingtonlogo.jpg


January 20, 2023
Analysts: Tim Sedabres (timothy.sedabres@huntington.com), 952.745.2766
Media: Seth Seymour (corpmedia@huntington.com), 614.480.3538

HUNTINGTON BANCSHARES INCORPORATED REPORTS 2022 FOURTH-QUARTER EARNINGS
Delivers Record Full-Year Net Income and Achievement of Medium-Term Financial Targets

2022 Fourth-Quarter Highlights:
Earnings per common share (EPS) for the quarter were $0.42, an increase of $0.03 from the prior quarter. Excluding the after tax impact of Notable Items, adjusted earnings per common share were $0.43.
Net interest income increased $58 million, or 4%, from the prior quarter, reflecting net interest margin expansion of 10 basis points to 3.52% and higher average total loans and leases.
Pre-Provision Net Revenue (PPNR) increased $36 million, or 4%, from the prior quarter to $893 million. Excluding Notable Items, adjusted PPNR increased $41 million, or 5%, from the prior quarter to $908 million.
Average total loans and leases increased $1.9 billion, or 2%, from the prior quarter to $118.9 billion. Excluding the decrease in PPP loans, average total loans and leases increased $2.1 billion, or 2%, from the prior quarter.
Average total commercial loans and leases increased $1.8 billion, or 3%, and average total consumer loans increased $184 million from the prior quarter.
Ending total deposits increased $1.6 billion and average total deposits decreased $336 million from the prior quarter.
Net charge-offs of 0.17% of average total loans and leases for the quarter.
Nonperforming assets have declined six consecutive quarters.
Allowance for credit losses (ACL) of $2.3 billion, or 1.90%, of total loans and leases at quarter end.
Common Equity Tier 1 (CET1) risk-based capital ratio increased to 9.44%, within our 9% to 10% operating guideline.
Board of Directors approved a $1 billion share repurchase authorization for the next eight quarters.

2022 Full-Year Highlights Compared to Full-Year 2021:
Earnings per common share (EPS) for the year were $1.45, an increase of $0.55. Excluding after tax impact of Notable Items, adjusted earnings per common share were $1.50.
PPNR increased $1.4 billion, or 88%, from the prior year to $3.1 billion. Excluding Notable Items, adjusted PPNR increased $0.8 billion, or 36%, to $3.2 billion, reflecting the benefits of the TCF Financial Corporation ("TCF") acquisition and organic growth.
Net income attributable to Huntington Bancshares Incorporated increased 73% to $2.2 billion.
Maintained solid credit quality with net charge-offs of 0.11% of average total loans and leases.

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Completed the cost synergy program related to the acquisition of TCF.
Delivered on efficiency strategies through the continued optimization of the branch network by closing 63 branches during the year and announcement of an additional 31 branch closures to occur in the first quarter of 2023.
Successfully implemented additional Fair Play enhancements and expanded expertise and capabilities with the acquisitions of Capstone Partners and Torana.

COLUMBUS, Ohio – Huntington Bancshares Incorporated (Nasdaq: HBAN) reported net income for the 2022 fourth quarter of $645 million, or $0.42 per common share, an increase of $244 million, or $0.16 per common share from the year-ago quarter.
Return on average assets was 1.41%, return on average common equity was 16.0%, return on average tangible common equity (ROTCE) was 26.0%.
CEO Commentary:

"We are very pleased with our outstanding financial performance for the fourth quarter which included the fourth consecutive quarter of record PPNR," said Steve Steinour, chairman, president and CEO. "The year was marked by the successful execution of key strategic initiatives and acquisition synergies which further expanded our capabilities and supported the achievement of our medium-term financial targets.

"Record full-year PPNR was driven by higher net interest income and noninterest income, along with disciplined expense management. We delivered broad-based loan growth and continued to grow our high quality deposit base over the course of the year. Strategic areas of focus for fee income also expanded, with capital markets achieving record revenue, with strong core performance plus the acquisition of Capstone. We completed the cost synergies from TCF, which provided additional scale and efficiencies in numerous areas across the bank, even as we continued to invest in key revenue-producing initiatives.

“Credit continued to perform very well, with full-year net charge-offs of 11 basis points, well below our through-the-cycle target, and nonperforming assets declined for the sixth consecutive quarter.

“Given our growing capital base, and robust profitability profile, we are pleased to announce a share repurchase program as we enter the new year, consistent with our capital priorities. While we recognize the uncertain economic outlook on the horizon, we enter 2023 from a position of strength. Huntington has never been better positioned to navigate through various economic scenarios, with solid capital levels and top tier reserve profile guided by our aggregate moderate-to-low risk appetite through the cycle. Business line momentum continues in the new year and we are driving value for shareholders.”










2




Table 1 – Earnings Performance Summary
20222021
(in millions, except per share data)FourthThirdSecondFirstFourth
QuarterQuarterQuarterQuarterQuarter
Net income attributable to Huntington Bancshares Inc$645 $594 $539 $460 $401 
Diluted earnings per common share0.42 0.39 0.35 0.29 0.26 
Return on average assets1.41 %1.31 %1.22 %1.05 %0.92 %
Return on average common equity16.0 13.9 12.8 10.4 8.7 
Return on average tangible common equity26.0 21.9 19.9 15.8 13.2 
Net interest margin3.52 3.42 3.15 2.88 2.85 
Efficiency ratio54.0 54.4 57.3 62.9 73.0 
Tangible book value per common share$6.82 $6.40 $6.96 $7.47 $8.06 
Cash dividends declared per common share0.155 0.155 0.155 0.155 0.155 
Average earning assets$165,545 $164,024 $161,225 $162,414 $158,692 
Average loans and leases118,907 116,964 113,949 111,142 109,488 
Average core deposits140,696 141,691 141,802 139,148 138,008 
Tangible common equity / tangible assets ratio5.55 %5.32 %5.80 %6.28 %6.88 %
Common equity Tier 1 risk-based capital ratio9.44 9.27 9.05 9.22 9.33 
NCOs as a % of average loans and leases0.17 %0.15 %0.03 %0.07 %0.12 %
NAL ratio0.48 0.51 0.57 0.60 0.64 
ACL as a % of total loans and leases1.90 1.89 1.87 1.87 1.89 



3


Table 2 lists certain items that we believe are important to understanding corporate performance and trends (see Basis of Presentation).
Table 2 – Notable Items Influencing Earnings
Pretax Impact (1)
After-tax Impact (1)
($ in millions, except per share)AmountNet Income
EPS (2)
Three Months Ended
December 31, 2022$645 $0.42 
Acquisition-related expenses (3)
$(15)$(12)$(0.01)
September 30, 2022$594 $0.39 
Acquisition-related expenses (3)
$(10)$(8)$— 
December 31, 2021$401 $0.26 
Acquisition-related net expenses$(177)$(139)$(0.09)
Exit of strategic distribution relationship(10)$(8)$(0.01)
Year Ended
December 31, 2022$2,238 $1.45 
Acquisition-related expenses (3)$(95)$(76)$(0.05)
(1)Favorable (unfavorable) impact.
(2)EPS reflected on a fully diluted basis.
(3)Includes TCF and Capstone acquisition-related expenses.


Net Interest Income, Net Interest Margin, and Average Balance Sheet
Table 3 – Net Interest Income and Net Interest Margin Performance Summary
20222021
($ in millions)FourthThirdSecondFirstFourthChange (%)
QuarterQuarterQuarterQuarterQuarterLQYOY
Net interest income$1,462 $1,404 $1,261 $1,146 $1,132 %29 %
FTE adjustment13 50 
Net interest income - FTE1,471 1,412 1,267 1,154 1,138 29 
Noninterest income499 498 485 499 515 — (3)
Total revenue - FTE$1,970 $1,910 $1,752 $1,653 $1,653 %19 %

4


20222021
FourthThirdSecondFirstFourthChange (bp)
Yield / CostQuarterQuarterQuarterQuarterQuarterLQYOY
Total earning assets4.46 %3.86 %3.33 %3.00 %2.97 %60 149 
Total loans and leases4.86 4.28 3.77 3.64 3.69 58 117 
Total securities3.26 2.74 2.24 1.72 1.49 52 177 
Total interest-bearing liabilities1.31 0.64 0.25 0.18 0.18 67 113 
Total interest-bearing deposits0.88 0.35 0.10 0.04 0.05 53 83 
Net interest rate spread3.15 3.22 3.08 2.82 2.79 (7)36 
Impact of noninterest-bearing funds on margin0.37 0.20 0.07 0.06 0.06 17 31 
Net interest margin3.52 %3.42 %3.15 %2.88 %2.85 %10 67 
See Pages 8-9 of Quarterly Financial Supplement for additional detail.

Fully-taxable equivalent (FTE) net interest income for the 2022 fourth quarter increased $333 million, or 29%, from the 2021 fourth quarter. The results primarily reflect a 67 basis point increase in the FTE net interest margin (NIM) to 3.52% and a $6.9 billion, or 4%, increase in average earning assets. The expansion in NIM was driven by the higher rate environment driving an increase in loan and lease and investment security yields, partially offset by higher cost of funds. Net interest income in the 2022 fourth quarter included $11 million of net interest income from purchase accounting accretion and $1 million of PPP loan fees recognized upon forgiveness payments, compared to $25 million and $20 million, respectively, in the 2021 fourth quarter.
Compared to the 2022 third quarter, FTE net interest income increased $59 million, or 4%, reflecting 10 basis points of NIM expansion and a $1.5 billion, or 1%, increase in average earning assets. The expansion in NIM was driven by the higher interest rate environment driving an increase in loan and lease and investment security yields, partially offset by higher cost of funds. Net interest income in the 2022 third quarter included $15 million of net interest income from purchase accounting accretion and $4 million of PPP loan fees recognized upon forgiveness payments.

Table 4 – Average Earning Assets
20222021
($ in billions)FourthThirdSecondFirstFourthChange (%)
QuarterQuarterQuarterQuarterQuarterLQYOY
Commercial and industrial$44.7 $43.6 $42.7 $41.4 $40.6 %10 %
Commercial real estate16.6 16.1 15.3 15.1 14.6 14 
Lease financing5.1 5.0 4.9 4.9 4.9 
Total commercial66.4 64.7 62.9 61.4 60.1 11 
Residential mortgage22.0 21.6 20.5 19.5 19.0 16 
Automobile13.3 13.5 13.6 13.5 13.4 (2)(1)
Home equity10.4 10.4 10.4 10.4 10.7 — (3)
RV and marine5.4 5.5 5.3 5.1 5.0 (1)
Other consumer1.3 1.3 1.3 1.3 1.3 
Total consumer52.5 52.3 51.1 49.8 49.4 — 
Total loans and leases118.9 117.0 113.9 111.1 109.5 
Total securities41.1 42.6 42.6 42.7 40.1 (4)
Held-for-sale and other earning assets5.6 4.5 4.7 8.6 9.1 25 (39)
Total earning assets$165.5 $164.0 $161.2 $162.4 $158.7 %%
See Page 7 of Quarterly Financial Supplement for additional detail.

5



Average earning assets for the 2022 fourth quarter increased $6.9 billion, or 4%, from the year-ago quarter, primarily reflecting a $9.4 billion, or 9%, increase in average total loans and leases and a $1.0 billion, or 3%, increase in average securities, partially offset by a $2.6 billion, or 36%, decrease in deposits held at the Federal Reserve Bank. Average loan and lease balance increases were primarily due to organic growth in average commercial loans and leases of $6.3 billion, or 11%, and average consumer loans of $3.1 billion, or 6%, partially offset by a $1.8 billion decrease in average PPP loans.
Compared to the 2022 third quarter, average earning assets increased $1.5 billion primarily reflecting a $1.9 billion, or 2%, increase in average total loans and leases and $1.4 billion, or 44%, increase in deposits held at the Federal Reserve Bank, partially offset by $1.5 billion, or 4%, decrease in average securities. Average loan and lease balance increases were primarily due to growth in average commercial loans and leases of $1.8 billion, or 3%, and average consumer loans of $184 million led by residential mortgage.

Table 5 – Liabilities
20222021
FourthThirdSecondFirstFourthChange (%)
($ in billions)QuarterQuarterQuarterQuarterQuarterLQYOY
Average balances:
Demand deposits - noninterest-bearing$39.9 $42.1 $42.4 $42.0 $43.4 (5)%(8)%
Demand deposits - interest-bearing42.7 42.1 41.7 40.6 38.4 11 
Total demand deposits82.6 84.2 84.1 82.6 81.8 (2)
Money market deposits34.4 34.1 33.8 32.7 32.4 
Savings and other domestic deposits20.8 21.4 21.7 21.3 20.9 (3)— 
Core certificates of deposit2.9 2.0 2.2 2.6 2.9 43 
Total core deposits140.7 141.7 141.8 139.1 138.0 (1)
Other domestic deposits of $250,000 or more0.2 0.2 0.2 0.3 0.5 (56)
Negotiable CDs, brokered and other deposits
4.8 4.1 3.0 3.5 3.8 16 24 
Total deposits$145.7 $146.0 $145.0 $142.9 $142.3 — %%
Short-term borrowings$0.5 $2.6 $2.1 $4.7 $0.3 (79)%59 %
Long-term debt12.7 8.3 7.0 6.9 7.7 53 65 
Total debt$13.2 $10.9 $9.1 $11.6 $8.0 22 %65 %
Total interest-bearing liabilities$119.0 $114.8 $111.7 $112.6 $107.0 %11 %
Period end balances:
Total core deposits$142.1 $141.6 $141.5 $143.4 $139.4 — %%
Other deposits5.8 4.7 3.9 3.6 3.9 23 50 
Total deposits$147.9 $146.3 $145.4 $147.0 $143.3 %%
See Pages 6-7 of Quarterly Financial Supplement for additional detail.

Average total interest-bearing liabilities for the 2022 fourth quarter increased $12.1 billion, or 11%, from the year-ago quarter. Average total deposits increased $3.4 billion, or 2%, while average total core deposits increased $2.7 billion, or 2%, primarily driven by higher average commercial core deposits of $3.0 billion, or 5%. Average total debt increased $5.2 billion, or 65%, reflecting higher FHLB borrowings and new debt issuances, reflecting actions taken as part of normal management of funding needs.

6


Compared to the 2022 third quarter, average total interest-bearing liabilities increased $4.3 billion, or 4%. The increase was primarily due to higher FHLB borrowings and new debt issuances which were leveraged during the quarter to optimize the funding profile.
Ending total deposits as of December 31, 2022 increased $4.6 billion, or 3%, compared to a year ago, led by higher commercial core deposits of $2.6 billion, or 4%, and other deposits of $1.9 billion reflecting actions taken as part of normal management of funding needs.
Compared to September 30, 2022, ending total deposits increased $1.6 billion, or 1%, led by higher consumer core deposits of $1.6 billion, or 2%, and other deposits of $1.1 billion as part of normal management of funding needs. Partially offsetting these increases were lower ending commercial core deposits of $1.0 billion, or 1.6%.

Noninterest Income
Table 6 – Noninterest Income
20222021
FourthThirdSecondFirstFourthChange (%)
($ in millions)QuarterQuarterQuarterQuarterQuarterLQYOY
Service charges on deposit accounts $89 $93 $105 $97 $101 (4)%(12)%
Card and payment processing income96 96 96 86 93 — 
Capital markets fees83 73 54 42 47 14 77 
Trust and investment management services61 60 63 65 63 (3)
Mortgage banking income25 26 44 49 61 (4)(59)
Leasing revenue35 29 27 35 41 21 (15)
Insurance income31 28 27 31 28 11 11 
Gain on sale of loans15 12 28 (87)100 
Bank owned life insurance income15 13 11 17 22 15 (32)
Net gains (losses) on sales of securities— — — — (1)— 100 
Other noninterest income62 65 46 49 59 (5)
Total noninterest income$499 $498 $485 $499 $515 — %(3)%
See Page 11 of Quarterly Financial Supplement for additional detail.

Total noninterest income for the 2022 fourth quarter decreased $16 million, or 3%, from the year-ago quarter. Capital markets fees increased $36 million, or 77%, primarily reflecting Capstone related advisory fees. Offsetting this increase was a decrease in mortgage banking income of $36 million, or 59%, primarily reflecting lower salable volume and secondary marketing spreads. Service charges on deposit accounts decreased $12 million, or 12%, primarily reflecting impact from Fair Play enhancements implemented in the second half of 2022.
Total noninterest income increased $1 million, to $499 million for the 2022 fourth quarter, compared to $498 million for the 2022 third quarter. The increase was primarily driven by higher capital markets fees which increased $10 million, or 14%, due to higher advisory fees and leasing revenue which increased $6 million, or 21%, reflecting an increase in income on terminated leases. Partially offsetting these increases was a decrease in gain on sale of loans of $13 million, or 87%, resulting from the strategic decision to retain SBA loans.


7


Noninterest Expense
Table 7 – Noninterest Expense
20222021
FourthThirdSecondFirstFourthChange (%)
($ in millions)QuarterQuarterQuarterQuarterQuarterLQYOY
Personnel costs$630 $614 $577 $580 $632 %— %
Outside data processing and other services147 145 153 165 269 (45)
Equipment67 60 61 81 68 12 (1)
Net occupancy61 63 58 64 68 (3)(10)
Marketing22 24 24 21 35 (8)(37)
Professional services21 18 19 19 22 17 (5)
Deposit and other insurance expense14 15 20 18 18 (7)(22)
Amortization of intangibles13 13 13 14 14 — (7)
Lease financing equipment depreciation11 11 14 17 (18)(47)
Other noninterest expense93 90 82 77 78 19 
Total noninterest expense$1,077 $1,053 $1,018 $1,053 $1,221 %(12)%
(in thousands)
Average full-time equivalent employees20.0 20.0 19.9 19.7 20.3 — %(1)%

Table 8 - Impact of Notable Items
20222021
FourthThirdSecondFirstFourth
($ in millions)QuarterQuarterQuarterQuarterQuarter
Personnel costs$— $$$$32 
Outside data processing and other services12 25 122 
Equipment— 
Net occupancy10 10 16 
Marketing— — — — 
Professional services— 
Deposit and other insurance expense— — — — 
Other noninterest expense— — 
Total noninterest expense$15 $10 $24 $46 $187 

8


Table 9 - Adjusted Noninterest Expense (Non-GAAP)
20222021
FourthThirdSecondFirstFourthChange (%)
($ in millions)QuarterQuarterQuarterQuarterQuarterLQYOY
Personnel costs$630 $613 $575 $575 $600 %%
Outside data processing and other services145 143 141 140 147 (1)
Equipment65 59 61 79 60 10 
Net occupancy51 57 52 54 52 (11)(2)
Marketing22 24 24 21 33 (8)(33)
Professional services20 18 18 17 18 11 11 
Deposit and other insurance expense14 15 19 18 18 (7)(22)
Amortization of intangibles13 13 13 14 14 — (7)
Lease financing equipment depreciation11 11 14 17 (18)(47)
Other noninterest expense93 90 80 75 75 24 
Total adjusted noninterest expense$1,062 $1,043 $994 $1,007 $1,034 %%
        

Reported total noninterest expense for the 2022 fourth quarter decreased $144 million, or 12%, from the year-ago quarter. The decrease primarily reflects the $172 million decrease in Notable Items and execution of cost reduction initiatives associated with the TCF acquisition. Partially offsetting these decreases were higher personnel costs and other noninterest expense reflecting the impact from Capstone expenses attributable to revenue activity. Additional increases in personnel costs were largely due to impact of merit increases.
Reported total noninterest expense increased $24 million, or 2%, from the 2022 third quarter, reflecting a $5 million increase in Notable Items to $15 million. Excluding the impact from Notable Items, noninterest expense increased $19 million, or 2%, primarily driven by personnel costs and other noninterest expense reflecting the impact from Capstone expenses attributable to revenue activity. Additional increases in personnel costs were largely due to seasonally higher medical insurance expense. Equipment expenses increased $6 million, or 10%, primarily driven by higher depreciation, including the impact from early retirement of select assets and higher technology investments. Partially offsetting these increases was lower net occupancy which decreased $6 million, or 11%, due to gains associated with sale of assets.

9


Credit Quality
Table 10 – Credit Quality Metrics
20222021
($ in millions)December 31,September 30,June 30,March 31,December 31,
Total nonaccrual loans and leases$569 $602 $657 $682 $716 
Total other real estate, net11 11 11 11 
Other NPAs (1)
14 14 14 15 25 
Total nonperforming assets594 627 682 708 750 
Accruing loans and leases past due 90+ days207 223 212 280 210 
NPAs + accruing loans & leases past due 90+ days$801 $850 $894 $988 $960 
NAL ratio (2)
0.48 %0.51 %0.57 %0.60 %0.64 %
NPA ratio (3)
0.50 0.53 0.59 0.63 0.67 
(NPAs+90 days)/(Loans+OREO)0.67 0.72 0.77 0.88 0.86 
Provision for credit losses$91 $106 $67 $25 $(64)
Net charge-offs50 44 19 34 
Net charge-offs / Average total loans and leases0.17 %0.15 %0.03 %0.07 %0.12 %
Allowance for loans and lease losses (ALLL)$2,121 $2,110 $2,074 $2,018 $2,030 
Allowance for unfunded lending commitments150 120 94 91 77 
Allowance for credit losses (ACL)$2,271 $2,230 $2,168 $2,109 $2,107 
ALLL as a % of:
Total loans and leases1.77 %1.79 %1.78 %1.79 %1.82 %
NALs373 351 316 296 284 
NPAs357 336 304 285 271 
ACL as a % of:
Total loans and leases1.90 %1.89 %1.87 %1.87 %1.89 %
NALs400 371 330 309 294 
NPAs382 355 318 298 281 
(1)Other nonperforming assets include certain impaired securities and/or nonaccrual loans held-for-sale.
(2)Total NALs as a % of total loans and leases.
(3)Total NPAs as a % of sum of loans and leases, other real estate owned, and other NPAs.
See Pages 12-15 of Quarterly Financial Supplement for additional detail.

Nonperforming assets (NPAs) were $594 million, or 0.50%, of total loans and leases, OREO and other NPAs, compared to $750 million, or 0.67%, a year-ago. Nonaccrual loans and leases (NALs) were $569 million, or 0.48% of total loans and leases, compared to $716 million, or 0.64% of total loans and leases, a year ago. On a linked quarter basis, NPAs decreased $33 million, or 5%, and NALs decreased $33 million, or 5%.
The provision for credit losses increased $155 million year-over-year and decreased $15 million quarter-over-quarter to $91 million in the 2022 fourth quarter. Net charge-offs (NCOs) increased $16 million year-over-year and increased $6 million quarter-over-quarter to $50 million. NCOs represented an annualized 0.17% of average loans and leases in the current quarter, up from 0.12% in the year-ago quarter and up from 0.15% in the prior quarter. The increase in NCOs reflects the continued normalization of net charge-offs. Commercial and consumer net charge-offs remained low at 0.13% and 0.22%, respectively, for the 2022 fourth quarter.
The allowance for loan and lease losses (ALLL) increased $91 million from the year-ago quarter to $2.1 billion, or 1.77%, and allowance for credit losses (ACL) increased by $164 million from the year-ago quarter to $2.3 billion, or 1.90% of total loans and leases, primarily driven by loan and lease portfolio growth but also recognizing the increased near-term recessionary risks at the end of 2022. On a linked quarter basis, the ACL increased $41 million, resulting in a 1 basis point increase in the ACL coverage ratio, primarily attributable to a deterioration in the macro-economic environment.



10


Capital
Table 11 – Capital Ratios
20222021
($ in billions)December 31,September 30,June 30,March 31,December 31,
Tangible common equity / tangible assets ratio5.55 %5.32 %5.80 %6.28 %6.88 %
Common equity tier 1 risk-based capital ratio (1)
9.44 %9.27 %9.05 %9.22 %9.33 %
Regulatory Tier 1 risk-based capital ratio (1)
10.99 %10.84 %10.63 %10.84 %10.99 %
Regulatory Total risk-based capital ratio (1)
13.20 %13.05 %12.81 %13.03 %13.14 %
Total risk-weighted assets (1)
$140.7 $138.8 $137.8 $134.5 $131.3 
(1)December 31, 2022 figures are estimated. Amounts are presented on a Basel III standardized approach basis for calculating risk-weighted assets. The capital ratios reflect Huntington’s 2020 election of a five-year transition to delay for two years the full impact of CECL on regulatory capital, followed by a three-year transition period. As of March 31, 2022, June 30, 2022, September 30, 2022, and December 31, 2022 25% of the cumulative CECL deferral has been phased in.
See Page 16 of Quarterly Financial Supplement for additional detail.

The tangible common equity to tangible assets ratio was 5.55% at December 31, 2022, up 23 basis points from last quarter due primarily to current period earnings. Common Equity Tier 1 (CET1) risk-based capital ratio was 9.44%, up from 9.27% from the prior quarter. The increase in regulatory capital ratios was primarily driven by current period earnings. In addition, the Board of Directors approved the repurchase of up to $1 billion of common shares over the next eight quarters, subject to the Federal Reserve’s capital regulations. Purchases of common stock under the authorization may include open market purchases, privately negotiated transactions, and accelerated share repurchase programs.

Income Taxes
The provision for income taxes was $144 million in the 2022 fourth quarter compared to $146 million in the 2022 third quarter. The effective tax rate for the 2022 fourth quarter and 2022 third quarter were 18.2% and 19.7%, respectively. The variance between the linked quarter provision for income taxes and effective tax rate was primarily driven by the impact of a discrete tax benefit in the current quarter offsetting impact from higher pre-tax income.

At December 31, 2022, we had a net federal deferred tax asset of $437 million and a net state deferred tax asset of $97 million.


Conference Call / Webcast Information
Huntington’s senior management will host an earnings conference call on January 20, 2023, at 9:00 a.m. (Eastern Time). The call may be accessed via a live Internet webcast at the Investor Relations section of Huntington’s website, www.huntington.com, or through a dial-in telephone number at (877) 407-8029; Conference ID #13734972. Slides will be available in the Investor Relations section of Huntington’s website about an hour prior to the call. A replay of the webcast will be archived in the Investor Relations section of Huntington’s website. A telephone replay will be available approximately two hours after the completion of the call through January 28, 2023 at (877) 660-6853 or (201) 612-7415; conference ID #13734972.
Please see the 2022 Fourth Quarter Quarterly Financial Supplement for additional detailed financial performance metrics. This document can be found on the Investor Relations section of Huntington's website, http://www.huntington.com.

11


About Huntington
Huntington Bancshares Incorporated is a $183 billion asset regional bank holding company headquartered in Columbus, Ohio. Founded in 1866, The Huntington National Bank and its affiliates provide consumers, small and middle‐market businesses, corporations, municipalities, and other organizations with a comprehensive suite of banking, payments, wealth management, and risk management products and services. Huntington operates more than 1,000 branches in 11 states, with certain businesses operating in extended geographies. Visit Huntington.com for more information.
Caution regarding Forward-Looking Statements
This communication contains certain forward-looking statements, including, but not limited to, certain plans, expectations, goals, projections, and statements, which are not historical facts and are subject to numerous assumptions, risks, and uncertainties. Statements that do not describe historical or current facts, including statements about beliefs and expectations, are forward-looking statements. Forward-looking statements may be identified by words such as expect, anticipate, believe, intend, estimate, plan, target, goal, or similar expressions, or future or conditional verbs such as will, may, might, should, would, could, or similar variations. The forward-looking statements are intended to be subject to the safe harbor provided by Section 27A of the Securities Act of 1933, Section 21E of the Securities Exchange Act of 1934, and the Private Securities Litigation Reform Act of 1995.
While there is no assurance that any list of risks and uncertainties or risk factors is complete, below are certain factors which could cause actual results to differ materially from those contained or implied in the forward-looking statements: changes in general economic, political, or industry conditions; the magnitude and duration of the COVID-19 pandemic and related variants and mutations and their impact on the global economy and financial market conditions and our business, results of operations, and financial condition; uncertainty in U.S. fiscal and monetary policy, including the interest rate policies of the Federal Reserve Board; volatility and disruptions in global capital and credit markets; movements in interest rates; reform of LIBOR; competitive pressures on product pricing and services; success, impact, and timing of our business strategies, including market acceptance of any new products or services including those implementing our “Fair Play” banking philosophy; the nature, extent, timing, and results of governmental actions, examinations, reviews, reforms, regulations, and interpretations, including those related to the Dodd-Frank Wall Street Reform and Consumer Protection Act and the Basel III regulatory capital reforms, as well as those involving the OCC, Federal Reserve, FDIC, and CFPB; the possibility that the anticipated benefits of the transaction with TCF are not realized when expected or at all, including as a result of the impact of, or problems arising from, the integration of the two companies or as a result of the strength of the economy and competitive factors in the areas where Huntington does business; and other factors that may affect the future results of Huntington. Additional factors that could cause results to differ materially from those described above can be found in Huntington’s Annual Report on Form 10-K for the year ended December 31, 2021, and in its subsequent Quarterly Reports on Form 10-Q for the quarters ended March 31, 2022, June 30, 2022, and September 30, 2022, each of which is on file with the Securities and Exchange Commission (the “SEC”) and available in the “Investor Relations” section of Huntington’s website http://www.huntington.com, under the heading “Publications and Filings” and in other documents Huntington files 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. Huntington does 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.

12


Basis of Presentation

Use of Non-GAAP Financial Measures
This document contains GAAP financial measures and non-GAAP financial measures where management believes it to be helpful in understanding Huntington’s results of operations or financial position. Where non-GAAP financial measures are used, the comparable GAAP financial measure, as well as the reconciliation to the comparable GAAP financial measure, can be found in this document, the financial supplement, conference call slides, or the Form 8-K related to this document, all of which can be found in the Investor Relations section of Huntington’s website, http://www.huntington.com.

Annualized Data
Certain returns, yields, performance ratios, or quarterly growth rates are presented on an “annualized” basis. This is done for analytical and decision-making purposes to better discern underlying performance trends when compared to full-year or year-over-year amounts. For example, loan and deposit growth rates, as well as net charge-off percentages, are most often expressed in terms of an annual rate like 8%. As such, a 2% growth rate for a quarter would represent an annualized 8% growth rate.

Fully-Taxable Equivalent Interest Income and Net Interest Margin
Income from tax-exempt earning assets is increased by an amount equivalent to the taxes that would have been paid if this income had been taxable at statutory rates. This adjustment puts all earning assets, most notably tax-exempt municipal securities and certain lease assets, on a common basis that facilitates comparison of results to results of competitors.

Rounding
Please note that columns of data in this document may not add due to rounding.

Notable Items
From time to time, revenue, expenses, or taxes are impacted by items judged by management to be outside of ordinary banking activities and/or by items that, while they may be associated with ordinary banking activities, are so unusually large that their outsized impact is believed by management at that time to be infrequent or short term in nature. We refer to such items as “Notable Items.” Management believes it is useful to consider certain financial metrics with and without Notable Items, in order to enable a better understanding of company results, increase comparability of period-to-period results, and to evaluate and forecast those results.

13
EX-99.2 3 hban20221231_8kex992.htm EX-99.2 Document

Exhibit 99.2
HUNTINGTON BANCSHARES INCORPORATED
Quarterly Financial Supplement
December 31, 2022
Table of Contents
Quarterly Accruing Past Due Loans and Leases



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%.
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
(Unaudited)
Three Months Ended
(dollar amounts in millions, except per share data)December 31,September 30,December 31,Percent Changes vs.
2022202220213Q224Q21
Net interest income (2)
$1,471 $1,412 $1,138 %29 %
FTE adjustment(9)(8)(6)(13)(50)
Net interest income
1,462 1,404 1,132 29 
Provision for credit losses91 106 (64)(14)242 
Noninterest income499 498 515 — (3)
Noninterest expense1,077 1,053 1,221 (12)
Income before income taxes793 743 490 62 
Provision for income taxes144 146 88 (1)64 
Income after income taxes649 597 402 61 
Income attributable to non-controlling interest33 300 
Net income attributable to Huntington Bancshares Inc645 594 401 61 
Dividends on preferred shares28 29 28 (3)— 
Impact of preferred stock redemption— — (4)— 100 
Net income applicable to common shares$617 $565 $377 %64 
Net income per common share - diluted$0.42 $0.39 $0.26 %62 %
Cash dividends declared per common share
0.155 0.155 0.155 — — 
Tangible book value per common share at end of period
6.82 6.40 8.06 (15)
Number of common shares repurchased
— — 10 — (100)
Average common shares - basic
1,443 1,443 1,444 — — 
Average common shares - diluted
1,468 1,465 1,471 — — 
Ending common shares outstanding
1,443 1,443 1,438 — — 
Return on average assets
1.41 %1.31 %0.92 %
Return on average common shareholders’ equity
16.0 13.9 8.7 
Return on average tangible common shareholders’ equity (1)
26.0 21.9 13.2 
Net interest margin (2)
3.52 3.42 2.85 
Efficiency ratio (3)
54.0 54.4 73.0 
Effective tax rate18.2 19.7 18.0 
Average total assets
$181,292 $179,557 $173,672 
Average earning assets
165,545 164,024 158,692 
Average loans and leases
118,907 116,964 109,488 
Average loans and leases - linked quarter annualized growth rate
6.6 %10.6 %(0.7)%
Average total deposits
$145,672 $146,008 $142,303 — 
Average core deposits (4) 140,696 141,691 138,008 (1)
Average shareholders’ equity
17,458 18,317 19,375 (5)(10)
Average common total shareholders' equity
15,292 16,150 17,193 (5)(11)
Average tangible common shareholders' equity
9,563 10,413 11,675 (8)(18)
Total assets at end of period
182,906 179,402 174,064 
Total shareholders’ equity at end of period
17,731 17,136 19,297 (8)
NCOs as a % of average loans and leases
0.17 %0.15 %0.12 %
NAL ratio
0.48 0.51 0.64 
NPA ratio (5)0.50 0.53 0.67 
Allowance for loan and lease losses (ALLL) as a % of total loans and leases at the end of period
1.77 1.79 1.82 
Allowance for credit losses (ACL) as a % of total loans and leases at the end of period1.90 1.89 1.89 
Common equity tier 1 risk-based capital ratio (6)9.44 9.27 9.33 
Tangible common equity / tangible asset ratio (7)5.55 5.32 6.88 
See Notes to the Quarterly Key Statistics.
1


Huntington Bancshares Incorporated
Annual Key Statistics
(Unaudited)
Year Ended December 31,
Change
(dollar amounts in millions, except per share data)20222021
Amount
Percent
Net interest income (2)
$5,304 $4,127 $1,177 29 %
FTE adjustment(31)(25)(6)(24)
Net interest income
5,273 4,102 1,171 29 
Provision for credit losses289 25 264 NM
Noninterest income1,981 1,889 92 
Noninterest expense4,201 4,375 (174)(4)
Income before income taxes
2,764 1,591 1,173 74 
Provision for income taxes515 294 221 75 
Income after income taxes2,249 1,297 952 73 
Income attributable to non-controlling interest11 NM
Net income attributable to Huntington Bancshares Inc2,238 1,295 943 73 
Dividends on preferred shares113 131 (18)(14)
Impact of preferred stock redemption— 11 (11)(100)
Net income applicable to common shares
$2,125 $1,153 $972 84 %
Net income per common share - diluted
$1.45 $0.90 $0.55 61 %
Cash dividends declared per common share
0.62 0.605 0.015 
Average common shares - basic
1,441 1,262 179 14 
Average common shares - diluted
1,465 1,287 178 14 
Return on average assets
1.25 %0.85 %
Return on average common shareholders’ equity
13.2 7.9 
Return on average tangible common shareholders’ equity (1)
20.7 11.3 
Net interest margin (2)
3.25 2.95 
Efficiency ratio (3)
56.9 72.0 
Effective tax rate
18.6 18.5 
Average total assets
$178,768 $152,281 $26,487 17 %
Average earning assets
163,313 140,006 23,307 17 
Average loans and leases
115,266 96,818 18,448 19 
Average total deposits
144,912 124,310 20,602 17 
Average core deposits (4) 140,841 120,432 20,409 17 
Average shareholders’ equity
18,263 16,997 1,266 
Average common total shareholders' equity
16,096 14,569 1,527 10 
Average tangible common shareholders' equity
10,454 10,509 (55)(1)
NCOs as a % of average loans and leases
0.11 %0.22 %
NAL ratio
0.48 0.64 
NPA ratio (5)0.50 0.67 
NM - Not Meaningful
See Notes to the Year to Date and Quarterly Key Statistics.

2


Key Statistics Footnotes
(1)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.
(2)On a fully-taxable equivalent (FTE) basis assuming a 21% tax rate.
(3)Noninterest expense less amortization of intangibles divided by the sum of FTE net interest income and noninterest income excluding securities gains (losses).
(4)Includes noninterest-bearing and interest-bearing demand deposits, money market deposits, savings and other domestic deposits, and core certificates of deposit.
(5)NPAs include other nonperforming assets, which includes certain impaired securities and/or nonaccrual loans held for sale, and other real estate owned.
(6)December 31, 2022, figures are estimated.
(7)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.
3


Huntington Bancshares Incorporated
Consolidated Balance Sheets
December 31,December 31,
(dollar amounts in millions)20222021
Percent Changes
(Unaudited)
Assets
Cash and due from banks
$1,796 $1,811 (1)%
Interest-bearing deposits at Federal Reserve Bank4,908 3,711 32 
Interest-bearing deposits in banks
214 392 (45)
Trading account securities
19 46 (59)
Available-for-sale securities
23,423 28,460 (18)
Held-to-maturity securities
17,052 12,447 37 
Other securities
854 648 32 
Loans held for sale
529 1,676 (68)
Loans and leases (1)
119,523 111,267 
Allowance for loan and lease losses
(2,121)(2,030)(4)
Net loans and leases
117,402 109,237 
Bank owned life insurance
2,753 2,765 — 
Accrued income and other receivables1,573 1,319 19 
Premises and equipment
1,156 1,164 (1)
Goodwill
5,571 5,349 
Servicing rights and other intangible assets712 611 17 
Other assets
4,944 4,428 12 
Total assets
$182,906 $174,064 %
Liabilities and shareholders’ equity
Liabilities
Deposits (2)
$147,914 $143,263 %
Short-term borrowings
2,027 334 507 
Long-term debt
9,686 7,108 36 
Other liabilities
5,510 4,041 36 
Total liabilities
165,137 154,746 
Shareholders' equity
Preferred stock
2,167 2,167 — 
Common stock
14 14 — 
Capital surplus
15,309 15,222 
Less treasury shares, at cost
(80)(79)(1)
Accumulated other comprehensive income (loss)(3,098)(229)(1,253)
Retained earnings3,419 2,202 55 
Total Huntington Bancshares Inc shareholders’ equity17,731 19,297 (8)
Non-controlling interest38 21 81 
Total equity17,769 19,318 (8)
Total liabilities and shareholders’ equity
$182,906 $174,064 %
Common shares authorized (par value of $0.01)
2,250,000,000 2,250,000,000 
Common shares outstanding
1,443,068,036 1,437,742,172 
Treasury shares outstanding
6,322,052 6,298,288 
Preferred stock, authorized shares
6,617,808 6,617,808 
Preferred shares outstanding
557,500 557,500 

(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)
December 31,September 30,June 30,March 31,December 31,
(dollar amounts in millions)20222022202220222021
Ending Balances by Type:
Total loans and leases
Commercial:
Commercial and industrial
$45,127 38 %$44,144 38 %$43,440 38 %$42,236 37 %$41,688 37 %
Commercial real estate:
Commercial
15,132 13 14,717 12 14,173 12 13,381 12 13,090 12 
Construction
1,502 1,739 1,522 2,010 1,871 
Commercial real estate
16,634 14 16,456 14 15,695 13 15,391 14 14,961 14 
Lease financing5,252 5,093 5,043 4,978 5,000 
Total commercial
67,013 56 65,693 56 64,178 55 62,605 55 61,649 55 
Consumer:
Residential mortgage22,226 19 21,816 18 21,220 18 19,942 18 19,256 17 
Automobile
13,154 11 13,430 11 13,622 12 13,480 12 13,434 12 
Home equity
10,375 10,440 10,426 10,343 10,550 
RV and marine
5,376 5,436 5,453 5,191 5,058 
Other consumer
1,379 1,332 1,322 1,256 1,320 
Total consumer
52,510 44 52,454 44 52,043 45 50,212 45 49,618 45 
Total loans and leases
$119,523 100 %$118,147 100 %$116,221 100 %$112,817 100 %$111,267 100 %
December 31,September 30,June 30,March 31,December 31,
(dollar amounts in millions)20222022202220222021
Ending Balances by Business Segment:
Commercial Banking$55,497 47 %$54,515 47 %$52,845 45 %$51,132 45 %$49,372 44 %
Consumer and Business Banking32,386 27 32,115 27 32,144 28 31,756 29 32,715 30 
Vehicle Finance21,741 18 21,707 18 21,848 19 21,344 19 20,968 19 
RBHPCG (Regional Banking and The Huntington Private Client Group)9,760 9,586 9,181 8,435 8,012 
Treasury / Other139 — 224 — 203 — 150 — 200 — 
Total loans and leases$119,523 100 %$118,147 100 %$116,221 100 %$112,817 100 %$111,267 100 %
Average Balances by Business Segment:
Commercial Banking$54,979 47 %$53,255 46 %$51,280 45 %$49,515 45 %$47,281 43 %
Consumer and Business Banking32,259 27 32,116 27 31,926 28 32,134 29 33,434 31 
Vehicle Finance21,721 18 21,748 19 21,601 19 21,155 19 20,598 19 
RBHPCG9,666 9,416 8,786 8,178 7,842 
Treasury / Other282 — 429 — 356 — 160 — 333 — 
Total loans and leases
$118,907 100 %$116,964 100 %$113,949 100 %$111,142 100 %$109,488 100 %

5


Huntington Bancshares Incorporated
Deposits Composition
(Unaudited)
December 31,September 30,June 30,March 31,December 31,
(dollar amounts in millions)20222022202220222021
Ending Balances by Type:
Demand deposits - noninterest-bearing
$38,242 26 %$40,762 28 %$42,131 29 %$43,824 29 %$43,236 30 %
Demand deposits - interest-bearing
43,136 29 43,673 30 41,433 28 42,099 29 39,837 28 
Money market deposits36,082 24 33,811 23 34,257 24 33,444 23 32,522 23 
Savings and other domestic deposits
20,357 14 21,274 15 21,583 15 21,716 15 21,088 15 
Core certificates of deposit (1)
4,324 2,115 2,103 2,358 2,740 
Total core deposits142,141 96 141,635 97 141,507 97 143,441 98 139,423 98 
Other domestic deposits of $250,000 or more220 — 186 — 221 — 274 — 359 — 
Negotiable CDS, brokered and other deposits
5,553 4,492 3,707 3,250 3,481 
Total deposits
$147,914 100 %$146,313 100 %$145,435 100 %$146,965 100 %$143,263 100 %
Total core deposits:
Commercial$64,107 45 %$65,151 46 %$63,629 45 %$64,013 45 %$61,521 44 %
Consumer78,034 55 76,484 54 77,878 55 79,428 55 77,902 56 
Total core deposits
$142,141 100 %$141,635 100 %$141,507 100 %$143,441 100 %$139,423 100 %
December 31,September 30,June 30,March 31,December 31,
(dollar amounts in millions)20222022202220222021
Ending Balances by Business Segment:
Commercial Banking$37,509 25 %$37,194 25 %$34,670 24 %$35,034 24 %$31,845 22 %
Consumer and Business Banking93,676 64 93,854 65 95,693 66 96,907 65 95,352 67 
Vehicle Finance1,136 1,173 1,291 1,323 1,401 
RBHPCG9,550 8,982 9,226 9,672 10,162 
Treasury / Other (2)6,043 5,110 4,555 4,029 4,503 
Total deposits
$147,914 100 %$146,313 100 %$145,435 100 %$146,965 100 %$143,263 100 %
Average Balances by Business Segment:
Commercial Banking$37,006 25 %$36,636 25 %$35,156 24 %$33,355 23 %$31,950 22 %
Consumer and Business Banking92,654 64 93,924 65 95,263 65 94,464 66 94,593 67 
Vehicle Finance1,171 1,252 1,257 1,289 1,501 
RBHPCG9,249 9,242 9,493 9,520 9,505 
Treasury / Other (2)5,592 4,954 3,839 4,289 4,754 
Total deposits
$145,672 100 %$146,008 100 %$145,008 100 %$142,917 100 %$142,303 100 %
(1)Includes consumer certificates of deposit of $250,000 or more.
(2)Comprised primarily of national market deposits.
6


Huntington Bancshares Incorporated
Consolidated Quarterly Average Balance Sheets
(Unaudited)
Quarterly Average Balances (1)
December 31,September 30,June 30,March 31,December 31,Percent Changes vs.
(dollar amounts in millions)202220222022202220213Q224Q21
Assets
Interest-bearing deposits at Federal Reserve Bank $4,615 $3,204 $3,532 $7,195 $7,227 44 %(36)%
Interest-bearing deposits in banks
305 260 161 174 521 17 (41)
Securities:
Trading account securities
29 24 30 46 51 21 (43)
Available-for-sale securities:
Taxable
20,467 21,677 21,672 24,205 23,895 (6)(14)
Tax-exempt
2,706 2,917 2,859 2,886 3,057 (7)(11)
Total available-for-sale securities
23,173 24,594 24,531 27,091 26,952 (6)(14)
Held-to-maturity securities - taxable
17,022 17,188 17,234 14,556 12,421 (1)37 
Other securities857 804 755 967 651 32 
Total securities
41,081 42,610 42,550 42,660 40,075 (4)
Loans held for sale
637 986 1,033 1,243 1,381 (35)(54)
Loans and leases: (2)
Commercial:
Commercial and industrial
44,747 43,598 42,689 41,397 40,582 10 
Commercial real estate:
Commercial
14,937 14,405 13,516 13,186 12,758 17 
Construction
1,676 1,697 1,760 1,877 1,820 (1)(8)
Commercial real estate
16,613 16,102 15,276 15,063 14,578 14 
Lease financing5,080 4,981 4,919 4,912 4,933 
Total commercial
66,440 64,681 62,884 61,372 60,093 11 
Consumer:
Residential mortgage
22,011 21,552 20,527 19,505 18,955 16 
Automobile13,284 13,514 13,557 13,463 13,355 (2)(1)
Home equity10,417 10,431 10,373 10,414 10,748 — (3)
RV and marine 5,408 5,454 5,317 5,103 5,040 (1)
Other consumer
1,347 1,332 1,291 1,285 1,297 
Total consumer
52,467 52,283 51,065 49,770 49,395 — 
Total loans and leases
118,907 116,964 113,949 111,142 109,488 
Total earning assets
165,545 164,024 161,225 162,414 158,692 
Cash and due from banks
1,650 1,697 1,669 1,648 1,695 (3)(3)
Goodwill and other intangible assets5,771 5,781 5,613 5,584 5,570 — 
All other assets
10,458 10,154 10,107 10,013 9,827 
Allowance for loan and lease losses
(2,132)(2,099)(2,053)(2,047)(2,112)(2)(1)
Total assets
$181,292 $179,557 $176,561 $177,612 $173,672 %%
Liabilities and shareholders’ equity
Interest-bearing deposits:
Demand deposits - interest-bearing
$42,705 $42,038 $41,712 $40,634 $38,441 %11 %
Money market deposits
34,390 34,058 33,791 32,672 32,400 
Savings and other domestic deposits
20,831 21,439 21,683 21,316 20,896 (3)— 
Core certificates of deposit (3)
2,926 2,040 2,228 2,560 2,909 43 
Other domestic deposits of $250,000 or more
198 193 225 316 452 (56)
Negotiable CDS, brokered and other deposits
4,777 4,124 2,981 3,453 3,843 16 24 
Total interest-bearing deposits
105,827 103,892 102,620 100,951 98,941 
Short-term borrowings
545 2,609 2,103 4,728 342 (79)59 
Long-term debt
12,650 8,251 7,024 6,914 7,674 53 65 
Total interest-bearing liabilities
119,022 114,752 111,747 112,593 106,957 11 
Demand deposits - noninterest-bearing
39,845 42,116 42,388 41,966 43,362 (5)(8)
All other liabilities
4,929 4,340 4,168 3,964 3,957 14 25 
Total Huntington Bancshares Inc shareholders’ equity17,458 18,317 18,228 19,064 19,375 (5)(10)
Non-controlling interest38 32 30 25 21 19 81 
Total equity17,496 18,349 18,258 19,089 19,396 (5)(10)
Total liabilities and shareholders’ equity
$181,292 $179,557 $176,561 $177,612 $173,672 %%
(1)Amounts include the effects of hedge and risk management activities associated with the respective asset and liability categories.
(2)Includes nonaccrual loans and leases.
(3)Includes consumer certificates of deposit of $250,000 or more.
7


Huntington Bancshares Incorporated
Consolidated Quarterly Net Interest Margin - Interest Income / Expense (1)(2)
(Unaudited)
Quarterly Interest Income / Expense
December 31,September 30,June 30,March 31,December 31,
(dollar amounts in millions)20222022202220222021
Assets
Interest-bearing deposits at Federal Reserve Bank $46 $19 $$$
Interest-bearing deposits in banks
— — 
Securities:
Trading account securities
— — — — 
Available-for-sale securities:
Taxable
198 165 123 90 77 
Tax-exempt
28 25 19 22 19 
Total available-for-sale securities
226 190 142 112 96 
Held-to-maturity securities - taxable
100 95 90 66 50 
Other securities
Total securities
335 292 239 183 150 
Loans held for sale
13 10 10 10 
Loans and leases:
Commercial:
Commercial and industrial578 490 415 392 393 
Commercial real estate:
Commercial220 169 115 97 102 
Construction28 21 16 17 17 
Commercial real estate248 190 131 114 119 
Lease financing66 63 61 61 61 
Total commercial892 743 607 567 573 
Consumer:
Residential mortgage183 174 158 146 141 
Automobile125 120 115 112 119 
Home equity172 143 115 102 109 
RV and marine61 59 55 52 54 
Other consumer36 32 30 28 29 
Total consumer577 528 473 440 452 
Total loans and leases
1,469 1,271 1,080 1,007 1,025 
Total earning assets
$1,863 $1,597 $1,337 $1,203 $1,188 
Liabilities
Interest-bearing deposits:
Demand deposits - interest-bearing
$102 $42 $11 $$
Money market deposits75 25 
Savings and other domestic deposits
Core certificates of deposit (3)
10 — — 
Other domestic deposits of $250,000 or more
— — — — 
Negotiable CDS, brokered and other deposits
45 23 
Total interest-bearing deposits
235 92 25 11 11 
Short-term borrowings
10 22 
Long-term debt
147 71 38 31 38 
Total interest-bearing liabilities392 185 70 49 50 
Net interest income
$1,471 $1,412 $1,267 $1,154 $1,138 
(1)Fully-taxable equivalent (FTE) income and expense calculated assuming a 21% tax rate. 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.
(3)Includes consumer certificates of deposit of $250,000 or more.


8


Huntington Bancshares Incorporated
Consolidated Quarterly Net Interest Margin - Yield
(Unaudited)
 Quarterly Average Rates
December 31,September 30,June 30,March 31,December 31,
Fully-taxable equivalent basis (1)
20222022202220222021
Assets
Interest-bearing deposits at Federal Reserve Bank3.99 %2.39 %0.80 %0.17 %0.15 %
Interest-bearing deposits in banks
5.72 3.31 1.32 0.15 0.06 
Securities:
Trading account securities
5.45 4.12 3.99 3.39 3.67 
Available-for-sale securities:
Taxable
3.87 3.06 2.25 1.49 1.29 
Tax-exempt
4.21 3.39 2.71 3.00 2.40 
Total available-for-sale securities
3.91 3.09 2.30 1.65 1.42 
Held-to-maturity securities - taxable
2.34 2.21 2.10 1.81 1.59 
Other securities4.15 3.21 3.62 1.88 2.18 
Total securities
3.26 2.74 2.24 1.72 1.49 
Loans held for sale
5.42 4.98 4.08 3.15 3.14 
Loans and leases: (3)
Commercial:
Commercial and industrial5.05 4.40 3.84 3.79 3.79 
Commercial real estate:
Commercial5.78 4.57 3.38 2.94 3.14 
Construction6.54 4.95 3.70 3.52 3.71 
Commercial real estate5.85 4.61 3.41 3.01 3.21 
Lease financing5.02 4.95 4.98 4.93 4.81 
Total commercial5.25 4.50 3.83 3.69 3.73 
Consumer:
Residential mortgage3.33 3.23 3.09 2.99 2.97 
Automobile3.74 3.53 3.40 3.38 3.53 
Home equity6.57 5.43 4.44 3.99 4.01 
RV and marine 4.45 4.29 4.12 4.15 4.31 
Other consumer10.38 9.55 9.08 8.96 9.06 
Total consumer4.37 4.02 3.70 3.57 3.64 
Total loans and leases
4.86 4.28 3.77 3.64 3.69 
Total earning assets
4.46 3.86 3.33 3.00 2.97 
Liabilities
Interest-bearing deposits:
Demand deposits - interest-bearing
0.94 0.40 0.10 0.03 0.03 
Money market deposits0.86 0.29 0.09 0.05 0.08 
Savings and other domestic deposits
0.03 0.02 0.02 0.02 0.02 
Core certificates of deposit (4)
1.42 0.10 0.07 0.14 — 
Other domestic deposits of $250,000 or more
1.31 0.35 0.23 0.08 0.18 
Negotiable CDS, brokered and other deposits
3.74 2.25 0.72 0.17 0.14 
Total interest-bearing deposits
0.88 0.35 0.10 0.04 0.05 
Short-term borrowings
7.71 3.31 1.40 0.57 0.09 
Long-term debt
4.66 3.40 2.16 1.83 1.93 
Total interest-bearing liabilities
1.31 0.64 0.25 0.18 0.18 
Net interest rate spread
3.15 3.22 3.08 2.82 2.79 
Impact of noninterest-bearing funds on margin
0.37 0.20 0.07 0.06 0.06 
Net interest margin
3.52 %3.42 %3.15 %2.88 %2.85 %
Commercial Loan Derivative Impact
(Unaudited)
Average Rates
20222022202220222021
Fully-taxable equivalent basis (1)
FourthThirdSecondFirstFourth
Commercial loans (2)(3)
5.68 %4.62 %3.69 %3.47 %3.53 %
Impact of commercial loan derivatives
(0.43)(0.12)0.14 0.22 0.20 
Total commercial - as reported
5.25 %4.50 %3.83 %3.69 %3.73 %
Average 1 Month LIBOR
3.89 %2.46 %1.01 %0.23 %0.09 %
Average SOFR3.61 %2.14 %0.70 %0.09 %— %
(1)Fully-taxable equivalent (FTE) yields are calculated assuming a 21% tax rate. See page 10 for the FTE adjustment.
(2)Yield/rates exclude the effects of hedge and risk management activities associated with the respective asset and liability categories.
(3)Includes nonaccrual loans and leases.
(4)Includes consumer certificates of deposit of $250,000 or more.
9


Huntington Bancshares Incorporated
Selected Quarterly Income Statement Data
(Unaudited)
Three Months Ended
(dollar amounts in millions, except per share data)December 31,September 30,June 30,March 31,December 31,
20222022202220222021
Interest income
$1,854 $1,589 $1,331 $1,195 $1,182 
Interest expense
392 185 70 49 50 
Net interest income
1,462 1,404 1,261 1,146 1,132 
Provision for credit losses91 106 67 25 (64)
Net interest income after provision for credit losses1,371 1,298 1,194 1,121 1,196 
Service charges on deposit accounts 89 93 105 97 101 
Card and payment processing income96 96 96 86 93 
Capital markets fees83 73 54 42 47 
Trust and investment management services61 60 63 65 63 
Mortgage banking income25 26 44 49 61 
Leasing revenue35 29 27 35 41 
Insurance income31 28 27 31 28 
Gain on sale of loans15 12 28 
Bank owned life insurance income15 13 11 17 22 
Net gains (losses) on sales of securities— — — — (1)
Other noninterest income62 65 46 49 59 
Total noninterest income
499 498 485 499 515 
Personnel costs630 614 577 580 632 
Outside data processing and other services147 145 153 165 269 
Equipment67 60 61 81 68 
Net occupancy61 63 58 64 68 
Marketing22 24 24 21 35 
Professional services21 18 19 19 22 
Deposit and other insurance expense14 15 20 18 18 
Amortization of intangibles13 13 13 14 14 
Lease financing equipment depreciation11 11 14 17 
Other noninterest expense93 90 82 77 78 
Total noninterest expense
1,077 1,053 1,018 1,053 1,221 
Income before income taxes793 743 661 567 490 
Provision for income taxes144 146 120 105 88 
Income after income taxes649 597 541 462 402 
Income attributable to non-controlling interest
Net income attributable to Huntington Bancshares Inc645 594 539 460 401 
Dividends on preferred shares28 29 28 28 28 
Impact of preferred stock redemption— — — — (4)
Net income applicable to common shares$617 $565 $511 $432 $377 
Average common shares - basic
1,443 1,443 1,441 1,438 1,444 
Average common shares - diluted
1,468 1,465 1,463 1,464 1,471 
Per common share
Net income - basic$0.43 $0.39 $0.35 $0.30 $0.26 
Net income - diluted0.42 0.39 0.35 0.29 0.26 
Cash dividends declared
0.155 0.155 0.155 0.155 0.155 
Revenue - fully-taxable equivalent (FTE)
Net interest income
$1,462 $1,404 $1,261 $1,146 $1,132 
FTE adjustment
Net interest income (1)
1,471 1,412 1,267 1,154 1,138 
Noninterest income
499 498 485 499 515 
Total revenue (1)
$1,970 $1,910 $1,752 $1,653 $1,653 
(1)On a fully-taxable equivalent (FTE) basis assuming a 21% tax rate.

10


Huntington Bancshares Incorporated
Quarterly Mortgage Banking Noninterest Income
(Unaudited)
Three Months Ended
December 31,September 30,June 30,March 31,December 31,
Percent Changes vs.
(dollar amounts in millions)
202220222022202220213Q224Q21
Net origination and secondary marketing income
$16 $25 $27 $37 $56 (36)%(71)%
Net mortgage servicing income
          Loan servicing income
22 22 22 22 22 — — 
          Amortization of capitalized servicing(11)(14)(16)(15)(20)21 45 
    Operating income11 38 450 
          MSR valuation adjustment (1)17 44 51 (1)(88)300 
          (Losses) gains due to MSR hedging(4)(24)(34)(47)83 (300)
     Net MSR risk management (2)(7)10 71 (300)
Total net mortgage servicing income$$$16 $11 $800 %200 %
All other— — — (100)
Mortgage banking income
$25 $26 $44 $49 $61 (4)%(59)%
Mortgage origination volume$1,719 $2,491 $3,366 $2,881 $3,880 (31)%(56)%
Mortgage origination volume for sale
889 1,339 1,263 1,519 2,380 (34)(63)
Third party mortgage loans serviced (2)32,354 31,988 31,704 31,570 31,017 
Mortgage servicing rights (2)494 486 463 416 351 41 
MSR % of investor servicing portfolio (2)1.53 %1.52 %1.46 %1.32 %1.13 %%35 %
(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
December 31,September 30,June 30,March 31,December 31,
(dollar amounts in millions)20222022202220222021
Allowance for loan and lease losses, beginning of period
$2,110 $2,074 $2,018 $2,030 $2,107 
Loan and lease charge-offs(97)(83)(52)(81)(79)
Recoveries of loans and leases previously charged-off47 39 44 62 45 
Net loan and lease charge-offs(50)(44)(8)(19)(34)
Provision (benefit) for loan and lease losses61 80 64 (43)
Allowance for loan and lease losses, end of period
2,121 2,110 2,074 2,018 2,030 
Allowance for unfunded lending commitments, beginning of period120 94 91 77 98 
Provision (reduction in allowance) for unfunded lending commitments30 26 14 (21)
Allowance for unfunded lending commitments, end of period150 120 94 91 77 
Total allowance for credit losses, end of period
$2,271 $2,230 $2,168 $2,109 $2,107 
Allowance for loan and lease losses (ALLL) as % of:
Total loans and leases1.77 %1.79 %1.78 %1.79 %1.82 %
Nonaccrual loans and leases (NALs)
373 351 316 296 284 
Nonperforming assets (NPAs)
357 336 304 285 271 
Total allowance for credit losses (ACL) as % of:
Total loans and leases
1.90 %1.89 %1.87 %1.87 %1.89 %
Nonaccrual loans and leases (NALs)400 371 330 309 294 
Nonperforming assets (NPAs)382 355 318 298 281 

Three Months Ended
December 31,September 30,June 30,March 31,December 31,
(dollar amounts in millions)20222022202220222021
Allocation of allowance for credit losses
Commercial
Commercial and industrial$890 $860 $804 $937 $832 
Commercial real estate482 504 498 521 586 
Lease financing52 50 40 56 44 
Total commercial1,424 1,414 1,342 1,514 1,462 
Consumer
Residential mortgage187 178 177 139 145 
Automobile141 118 146 101 108 
Home equity105 126 131 60 88 
RV and marine143 127 147 96 105 
Other consumer121 147 131 108 122 
Total consumer697 696 732 504 568 
Total allowance for loan and lease losses2,121 2,110 2,074 2,018 2,030 
Allowance for unfunded lending commitments150 120 94 91 77 
Total allowance for credit losses$2,271 $2,230 $2,168 $2,109 $2,107 


12


Huntington Bancshares Incorporated
Quarterly Net Charge-Off Analysis
(Unaudited)
Three Months Ended
December 31,September 30,June 30,March 31,December 31,
(dollar amounts in millions)20222022202220222021
Net charge-offs (recoveries) by loan and lease type:
Commercial:
Commercial and industrial
$$16 $(4)$(23)$
Commercial real estate
(3)(4)(4)
Lease financing(3)
Total commercial
21 15 (11)(10)
Consumer:
Residential mortgage— (1)(1)— (1)
Automobile— — — 
Home equity— (2)(2)(1)(1)
RV and marine
Other consumer
24 27 21 27 29 
Total consumer
29 29 19 29 29 
Total net charge-offs$50 $44 $$19 $34 
Three Months Ended
December 31,September 30,June 30,March 31,December 31,
20222022202220222021
Net charge-offs (recoveries) - annualized percentages:
Commercial:
Commercial and industrial
0.08 %0.15 %(0.04)%(0.22)%0.06 %
Commercial real estate
0.17 (0.06)(0.11)0.22 (0.12)
Lease financing0.40 0.17 (0.24)0.40 0.24 
Total commercial
0.13 0.10 (0.07)(0.06)0.03 
Consumer:
Residential mortgage(0.01)(0.02)(0.02)— (0.01)
Automobile0.12 0.07 — 0.01 (0.03)
Home equity(0.04)(0.07)(0.08)(0.03)(0.04)
RV and marine
0.15 0.17 0.10 0.20 0.13 
Other consumer
7.08 8.09 6.60 8.46 9.21 
Total consumer
0.22 0.22 0.15 0.23 0.23 
Net charge-offs as a % of average loans and leases0.17 %0.15 %0.03 %0.07 %0.12 %

13


Huntington Bancshares Incorporated
Quarterly Nonaccrual Loans and Leases (NALs) and Nonperforming Assets (NPAs) (1)
(Unaudited)
December 31,September 30,June 30,March 31,December 31,
(dollar amounts in millions)
20222022202220222021
Nonaccrual loans and leases (NALs):
Commercial and industrial
$288 $288 $324 $323 $370 
Commercial real estate
92 110 117 114 104 
Lease financing18 30 22 38 48 
Residential mortgage90 94 111 117 111 
Automobile
Home equity
76 75 78 84 79 
RV and marine
Total nonaccrual loans and leases
569 602 657 682 716 
Other real estate, net:
Residential
11 11 11 10 
Commercial
— — — 
Total other real estate, net11 11 11 11 
Other NPAs (2)14 14 14 15 25 
Total nonperforming assets
$594 $627 $682 $708 $750 
Nonaccrual loans and leases as a % of total loans and leases
0.48 %0.51 %0.57 %0.60 %0.64 %
NPA ratio (3)0.50 0.53 0.59 0.63 0.67 
(NPA+90days)/(Loan+OREO) (4)
0.67 0.72 0.77 0.88 0.86 
Three Months Ended
December 31,September 30,June 30,March 31,December 31,
(dollar amounts in millions)20222022202220222021
Nonperforming assets, beginning of period$627 $682 $708 $750 $893 
New nonperforming assets251 119 181 204 146 
Returns to accruing status(84)(42)(81)(57)(99)
Charge-offs(54)(39)(26)(32)(35)
Payments(144)(89)(97)(155)(152)
Sales(2)(4)(3)(2)(3)
Nonperforming assets, end of period$594 $627 $682 $708 $750 
(1)December 31, 2021 period generally excludes loans and leases that were under payment deferral or granted other assistance, including amendments or waivers of financial covenants in response to the COVID-19 pandemic.
(2)Other nonperforming assets include certain impaired securities and/or nonaccrual loans held-for-sale.
(3)Nonperforming assets divided by the sum of loans and leases, net other real estate owned, and other NPAs.
(4)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
(Unaudited)
 December 31,September 30,June 30,March 31,December 31,
(dollar amounts in millions)20222022202220222021
Accruing loans and leases past due 90+ days:
Commercial and industrial
$23 $29 $11 $10 $13 
Lease financing18 10 12 11 
Residential mortgage (excluding loans guaranteed by the U.S. Government)21 17 14 25 25 
Automobile
Home equity15 12 13 12 17 
RV and marine
Other consumer
Total, excl. loans guaranteed by the U.S. Government
82 87 58 68 78 
Add: loans guaranteed by U.S. Government
125 136 154 212 132 
Total accruing loans and leases past due 90+ days, including loans guaranteed by the U.S. Government
$207 $223 $212 $280 $210 
Ratios:
Excluding loans guaranteed by the U.S. Government, as a percent of total loans and leases
0.07 %0.07 %0.05 %0.06 %0.07 %
Guaranteed by U.S. Government, as a percent of total loans and leases
0.10 0.12 0.13 0.19 0.12 
Including loans guaranteed by the U.S. Government, as a percent of total loans and leases
0.17 0.19 0.18 0.25 0.19 

15


Huntington Bancshares Incorporated
Quarterly Capital Under Current Regulatory Standards (Basel III) and Other Capital Data
(Unaudited)
December 31,September 30,June 30,March 31,December 31,
(dollar amounts in millions)20222022202220222021
Common equity tier 1 risk-based capital ratio: (1)
Total shareholders’ equity
$17,731 $17,136 $17,950 $18,452 $19,297 
Regulatory capital adjustments:
CECL transitional amount (2)328 328 328 328 437 
Shareholders’ preferred equity and related surplus(2,177)(2,177)(2,177)(2,177)(2,177)
Accumulated other comprehensive loss offset3,098 3,276 2,098 1,314 230 
Goodwill and other intangibles, net of taxes(5,663)(5,675)(5,686)(5,474)(5,484)
Deferred tax assets that arise from tax loss and credit carryforwards
(27)(29)(36)(46)(54)
Common equity tier 1 capital
13,290 12,859 12,477 12,397 12,249 
Additional tier 1 capital
Shareholders’ preferred equity and related surplus2,177 2,177 2,177 2,177 2,177 
Tier 1 capital
15,467 15,036 14,654 14,574 14,426 
Long-term debt and other tier 2 qualifying instruments
1,424 1,441 1,462 1,464 1,539 
Qualifying allowance for loan and lease losses
1,682 1,637 1,541 1,485 1,281 
Tier 2 capital
3,106 3,078 3,003 2,949 2,820 
Total risk-based capital
$18,573 $18,114 $17,657 $17,523 $17,246 
Risk-weighted assets (RWA)(1)
$140,717 $138,759 $137,841 $134,484 $131,266 
Common equity tier 1 risk-based capital ratio (1)
9.44 %9.27 %9.05 %9.22 %9.33 %
Other regulatory capital data:
Tier 1 leverage ratio (1)
8.60 8.51 8.46 8.43 8.56 
Tier 1 risk-based capital ratio (1)
10.99 10.84 10.63 10.84 10.99 
Total risk-based capital ratio (1)
13.20 13.05 12.81 13.03 13.14 
Non-regulatory capital data:
Tangible common equity / RWA ratio (1)
6.99 6.66 7.28 8.00 8.83 
(1)December 31, 2022, figures are estimated.
(2)Upon adoption in 2020, Huntington elected to temporarily delay certain effects of CECL on regulatory capital, utilizing a two-year delay followed by a three-year transition period. January 1, 2022 began the three-year transition period, whereby 100% of the day-one impact of adopting CECL and 25% of the cumulative change in the reported allowance for credit losses since adopting CECL will be recognized over the three-year transition period. As of March 31, 2022, June 30, 2022, September 30, 2022, and December 31, 2022, 25% of the cumulative CECL deferral has been phased in.
16


Huntington Bancshares Incorporated
Quarterly Common Stock Summary, Non-Regulatory Capital, and Other Data
(Unaudited)
Quarterly common stock summary
December 31,September 30,June 30,March 31,December 31,
20222022202220222021
Cash dividends declared per common share
$0.155 $0.155 $0.155 $0.155 $0.155 
Common shares outstanding (in millions)
Average - basic
1,443 1,443 1,441 1,438 1,444 
Average - diluted
1,468 1,465 1,463 1,464 1,471 
Ending
1,443 1,443 1,442 1,439 1,438 
Tangible book value per common share (1)
$6.82 $6.40 $6.96 $7.47 $8.06 
Common share repurchases (in millions)
Number of shares repurchased
— — — — 10 

Non-regulatory capital
December 31,September 30,June 30,March 31,December 31,
(dollar amounts in millions)20222022202220222021
Calculation of tangible equity / asset ratio:
Total shareholders’ equity$17,731 $17,136 $17,950 $18,452 $19,297 
Goodwill and other intangible assets(5,766)(5,775)(5,788)(5,577)(5,591)
Deferred tax liability on other intangible assets (1)41 43 46 48 51 
Total tangible equity
12,006 11,404 12,208 12,923 13,757 
Preferred equity(2,167)(2,167)(2,167)(2,167)(2,167)
Total tangible common equity
$9,839 $9,237 $10,041 $10,756 $11,590 
Total assets
$182,906 $179,402 $178,782 $176,856 $174,064 
Goodwill and other intangible assets(5,766)(5,775)(5,788)(5,577)(5,591)
Deferred tax liability on other intangible assets (1)41 43 46 48 51 
Total tangible assets
$177,181 $173,670 $173,040 $171,327 $168,524 
Tangible equity / tangible asset ratio
6.78 %6.57 %7.06 %7.54 %8.16 %
Tangible common equity / tangible asset ratio
5.55 5.32 5.80 6.28 6.88 
Other data:
Number of employees (Average full-time equivalent)
20,007 19,997 19,866 19,722 20,309 
Number of domestic full-service branches (2)
1,032 1,032 1,032 1,030 1,092 
ATM Count
1,695 1,715 1,731 1,729 1,756 
(1)Deferred tax liability related to other intangible assets is calculated at a 21% tax rate.
(2)Includes Regional Banking and The Huntington Private Client Group offices.


17



Huntington Bancshares Incorporated
Consolidated Annual Average Balance Sheets
(Unaudited)
Annual Average Balances (1)
Change from 2021Change from 2020
(dollar amounts in millions)2022AmountPercent2021AmountPercent2020
Assets
Interest-bearing deposits at Federal Reserve Bank$4,626 $(3,503)(43)%$8,129 $4,255 110 %$3,874 
Interest-bearing deposits in banks226 (146)(39)372 196 111 176 
Securities:
Trading account securities32 (18)(36)50 (9)(15)59 
Available-for-sale securities:
Taxable21,994 2,227 11 19,767 8,375 74 11,392 
Tax-exempt2,842 (74)(3)2,916 181 2,735 
Total available-for-sale securities24,836 2,153 22,683 8,556 61 14,127 
Held-to-maturity securities - taxable16,509 6,509 65 10,000 752 9,248 
Other securities845 289 52 556 113 26 443 
Total securities42,222 8,933 27 33,289 9,412 39 23,877 
Loans held for sale973 (425)(30)1,398 277 25 1,121 
Loans and leases:(2)
Commercial:
Commercial and industrial43,118 6,220 17 36,898 5,274 17 31,624 
Commercial real estate:
Commercial14,017 4,105 41 9,912 4,014 68 5,898 
Construction1,751 251 17 1,500 344 30 1,156 
Commercial real estate15,768 4,356 38 11,412 4,358 62 7,054 
Lease financing4,974 1,235 33 3,739 1,446 63 2,293 
Total commercial63,860 11,811 23 52,049 11,078 27 40,971 
Consumer:
Residential mortgage20,907 4,954 31 15,953 4,259 36 11,694 
Automobile13,454 446 13,008 170 12,838 
Home equity10,409 391 10,018 1,088 12 8,930 
RV and marine5,322 650 14 4,672 796 21 3,876 
Other consumer1,314 196 18 1,118 32 1,086 
Total consumer51,406 6,637 15 44,769 6,345 17 38,424 
Total loans and leases115,266 18,448 19 96,818 17,423 22 79,395 
Total earning assets163,313 23,307 17 140,006 31,563 29 108,443 
Cash and due from banks1,666 310 23 1,356 232 21 1,124 
Intangible assets5,688 1,580 38 4,108 1,907 87 2,201 
All other assets10,184 1,380 16 8,804 1,759 25 7,045 
Allowance for loan and lease losses(2,083)(90)(5)(1,993)(412)(26)(1,581)
Total assets$178,768 $26,487 17 %$152,281 $35,049 30 %$117,232 
Liabilities and shareholders’ equity
Interest-bearing deposits:
Demand deposits - interest-bearing$41,779 $9,071 28 %$32,708 $9,194 39 %$23,514 
Money market deposits33,733 3,694 12 30,039 4,344 17 25,695 
Savings and other domestic deposits21,316 3,959 23 17,357 6,637 62 10,720 
Core certificates of deposit (3)2,439 71 2,368 (242)(9)2,610 
Other domestic deposits of $250,000 or more233 (120)(34)353 137 63 216 
Negotiable CDs, brokered and other deposits3,838 313 3,525 (297)(8)3,822 
Total interest-bearing deposits103,338 16,988 20 86,350 19,773 30 66,577 
Short-term borrowings2,485 2,207 794 278 (869)(76)1,147 
Long-term debt8,724 1,245 17 7,479 (2,017)(21)9,496 
Total interest-bearing liabilities114,547 20,440 22 94,107 16,887 22 77,220 
Demand deposits - noninterest-bearing41,574 3,614 10 37,960 12,624 50 25,336 
All other liabilities4,353 1,148 36 3,205 832 35 2,373 
Total Huntington Bancshares Inc shareholders’ equity18,263 1,266 16,997 4,694 38 12,303 
Non-controlling interest31 19 158 12 12 100 — 
Total Equity$18,294 $1,285 $17,009 $4,706 38 $12,303 
Total liabilities and shareholders’ equity$178,768 $26,487 17 %$152,281 $35,049 30 %$117,232 
(1)Amounts include the effects of hedge and risk management activities associated with the respective asset and liability categories.
(2)Includes nonaccrual loans.
(3)Includes consumer certificates of deposit of $250,000 or more.
18


Huntington Bancshares Incorporated
Consolidated Annual Net Interest Margin - Interest Income / Expense(1)(2)
(Unaudited)
Annual Interest Income / Expense
(dollar amounts in millions)
202220212020
Assets
Interest-bearing deposits at Federal Reserve Bank$75 $11 $
Interest-bearing deposits in banks
Securities:
Trading account securities
Available-for-sale securities:
Taxable
576 261 237 
Tax-exempt
94 71 77 
Total available-for-sale securities
670 332 314 
Held-to-maturity securities - taxable
351 174 216 
Other securities27 10 
Total securities
1,049 517 538 
Loans held for sale
41 41 34 
Loans and leases:
Commercial:
Commercial and industrial
1,875 1,446 1,166 
Commercial real estate:
Commercial
601 307 181 
Construction
82 55 44 
Commercial real estate
683 362 225 
Lease Financing251 186 124 
Total commercial
2,809 1,994 1,515 
Consumer:
Residential mortgage
661 479 406 
Automobile472 471 504 
Home equity532 391 358 
RV and marine227 199 181 
Other consumer
126 112 125 
Total consumer
2,018 1,652 1,574 
Total loans and leases
4,827 3,646 3,089 
Total earning assets
$6,000 $4,216 $3,668 
Liabilities
Interest-bearing deposits:
Demand deposits - interest-bearing
$158 $12 $32 
Money market deposits112 21 100 
Savings and other domestic deposits
10 
Core certificates of deposit12 38 
Other domestic deposits of $250,000 or more
Negotiable CDS, brokered and other deposits
75 15 
Total interest-bearing deposits
363 45 198 
Short-term borrowings
46 13 
Long-term debt
287 43 212 
Total interest-bearing liabilities
696 89 423 
Net interest income
$5,304 $4,127 $3,245 
(1)Fully-taxable equivalent (FTE) income and expense calculated assuming a 21% tax rate. 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 Annual Net Interest Margin - Yield
(Unaudited)
Annual Average Rates(2)
Fully-taxable equivalent basis(1)
202220212020
Assets
Interest-bearing deposits at Federal Reserve Bank1.63 %0.14 %0.15 %
Interest-bearing deposits in banks
3.15 0.04 0.47 
Securities:
Trading account securities
4.14 3.32 3.10 
Available-for-sale securities:
Taxable
2.62 1.32 2.08 
Tax-exempt
3.32 2.42 2.84 
Total available-for-sale securities
2.70 1.46 2.23 
Held-to-maturity securities - taxable
2.13 1.74 2.33 
Other securities 3.16 1.75 1.41 
Total securities
2.48 1.55 2.25 
Loans held for sale
4.24 2.96 3.06 
Loans and leases: (4)
Commercial:
Commercial and industrial
4.35 3.92 3.69 
Commercial real estate:
Commercial
4.29 3.10 3.07 
Construction
4.71 3.67 3.84 
Commercial real estate
4.33 3.17 3.19 
Lease financing5.04 4.98 5.42 
Total commercial
4.40 3.83 3.70 
Consumer:
Residential mortgage
3.16 3.00 3.47 
Automobile3.51 3.62 3.93 
Home equity5.11 3.90 4.01 
RV and marine4.26 4.27 4.68 
Other consumer
9.51 10.04 11.48 
Total consumer
3.92 3.69 4.10 
Total loans and leases
4.19 3.77 3.89 
Total earning assets
3.67 3.01 3.38 
Liabilities
Interest-bearing deposits:
Demand deposits - interest-bearing
0.38 %0.04 %0.14 %
Money market deposits0.33 0.07 0.39 
Savings and other domestic deposits
0.02 0.03 0.09 
Core certificates of deposit (4)0.50 0.03 1.44 
Other domestic deposits of $250,000 or more
0.47 0.21 1.18 
Negotiable CDS, brokered and other deposits
1.96 0.16 0.38 
Total interest-bearing deposits
0.35 0.05 0.30 
Short-term borrowings
1.86 0.20 1.18 
Long-term debt
3.29 0.57 2.24 
Total interest bearing liabilities
0.61 0.09 0.55 
Demand deposits - noninterest-bearing
— — — 
Net interest rate spread
3.06 2.92 2.83 
Impact of noninterest-bearing funds on margin
0.19 0.03 0.16 
Net interest margin
3.25 %2.95 %2.99 %
Commercial Loan Derivative Impact
(Unaudited)
Annual Average Rates
Fully-taxable equivalent basis(1)
202220212020
Commercial loans (2)(3)4.45 %3.50 %3.32 %
Impact of commercial loan derivatives
(0.05)0.33 0.38 
Total commercial - as reported
4.40 %3.83 %3.70 %
Average 1 Month LIBOR
1.91 %0.10 %0.52 %
Average SOFR1.63 %— %— %
(1)Fully-taxable equivalent (FTE) yields are calculated assuming a 21% tax rate. See page 21 for the FTE adjustment.
(2)Yield/rates exclude the effects of hedge and risk management activities associated with the respective asset and liability categories.
(3)Includes the impact of nonaccrual loans.
(4)Includes consumer certificates of deposits of $250,000 or more.
20


Huntington Bancshares Incorporated
Selected Annual Income Statement Data
(Unaudited)
Year Ended December 31,
(dollar amounts in millions, except per share data)
Change
Change
2022
Amount
Percent
2021
Amount
Percent
2020
Interest income
$5,969 $1,778 42 %$4,191 $544 15 %$3,647 
Interest expense
696 607 NM89 (334)(79)423 
Net interest income
5,273 1,171 29 4,102 878 27 3,224 
Provision for credit losses
289 264 NM25 (1,023)(98)1,048 
Net interest income after provision for credit losses
4,984 907 22 4,077 1,901 87 2,176 
Service charges on deposit accounts 384 12 372 71 24 301 
Card and payment processing income374 40 12 334 86 35 248 
Capital markets fees252 101 67 151 26 21 125 
Trust and investment management services249 17 232 43 23 189 
Mortgage banking income144 (165)(53)309 (57)(16)366 
Leasing revenue126 27 27 99 78 NM21 
Insurance income117 12 11 105 97 
Gain on sale of loans57 48 NM(33)(79)42 
Bank owned life insurance income56 (13)(19)69 64 
Net gains (losses) on sales of securities— (9)NM10 NM(1)
Other noninterest income222 22 11 200 61 44 139 
Total noninterest income
1,981 92 1,889 298 19 1,591 
Personnel costs2,401 66 2,335 643 38 1,692 
Outside data processing and other services610 (240)(28)850 466 121 384 
Equipment269 21 248 68 38 180 
Net occupancy246 (31)(11)277 119 75 158 
Marketing91 89 51 134 38 
Professional services77 (36)(32)113 58 105 55 
Deposit and other insurance expense67 16 31 51 19 59 32 
Amortization of intangibles53 10 48 17 41 
Lease financing equipment depreciation45 10 41 40 NM
Other noninterest expense342 19 323 109 51 214 
Total noninterest expense
4,201 (174)(4)4,375 1,580 57 2,795 
Income before income taxes
2,764 1,173 74 1,591 619 64 972 
Provision for income taxes515 221 75 294 139 90 155 
Income after income taxes2,249 952 73 1,297 480 59 817 
Income attributable to non-controlling interest11 NMNM— 
Net income attributable to Huntington Bancshares Inc2,238 943 73 1,295 478 59 817 
Dividends on preferred shares113 (18)(14)131 31 31 100 
Impact of preferred stock redemption— (11)NM11 11 NM— 
Net income applicable to common shares
$2,125 $972 84 %$1,153 $436 61 %$717 
Average common shares - basic
1,441 179 14 %1,262 245 24 %1,017 
Average common shares - diluted
1,465 178 14 1,287 254 25 1,033 
Per common share
Net income - basic
$1.47 $0.56 62 $0.91 $0.20 28 $0.71 
Net income - diluted
1.45 0.55 61 0.90 0.21 30 0.69 
Cash dividends declared
0.62 0.015 0.605 0.005 0.60 
Revenue - fully taxable equivalent (FTE)
Net interest income
$5,273 $1,171 29 $4,102 $878 27 $3,224 
FTE adjustment (1)
31 24 25 19 21 
Net interest income
5,304 1,177 29 4,127 882 27 3,245 
Noninterest income
1,981 92 1,889 298 19 1,591 
Total revenue (1)
$7,285 $1,269 21 %$6,016 $1,180 24 %$4,836 
NM - Not Meaningful
(1)On a fully-taxable equivalent (FTE) basis assuming a 21% tax rate.

21


Huntington Bancshares Incorporated
Annual Mortgage Banking Noninterest Income
(Unaudited)
Year Ended December 31,
(dollar amounts in millions)
202220212020
Net origination and secondary marketing income
$105 $300 $346 
Net mortgage servicing income
          Loan servicing income
88 77 61 
          Amortization of capitalized servicing
(56)(81)(53)
     Operating income
32 (4)
          MSR valuation adjustment (1)
114 27 (52)
          Gains (losses) due to MSR hedging
(109)(26)53 
     Net MSR risk management
Total net mortgage servicing income (expense)$37 $(3)$
All other12 11 
Mortgage banking income
$144 $309 $366 
Mortgage origination volume
$10,457 $16,396 $13,489 
Mortgage origination volume for sale
5,010 9,828 8,842 
Third party mortgage loans serviced (2)
32,354 31,017 23,471 
Mortgage servicing rights (2)
494 351 210 
MSR % of investor servicing portfolio
1.53 %1.13 %0.89 %
(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
Annual Credit Reserves Analysis
(Unaudited)
Year Ended December 31,
(dollar amounts in millions)
202220212020
Allowance for loan and lease losses, beginning of period
$2,030 $1,814 $783 
Cumulative-effect of change in accounting principle for financial instruments - credit losses (ASU 2016-13)— — 391 
Loan and lease charge-offs (1)(313)(382)(540)
Recoveries of loans and leases previously charged off192 167 91 
Net loan and lease charge-offs(121)(215)(449)
Provision for loan and lease losses212 (1)1,089 
Allowance on loans and leases purchased with credit deterioration— 432 — 
Allowance for loan and lease losses, end of period
2,121 2,030 1,814 
Allowance for unfunded lending commitments, beginning of period77 52 104 
Cumulative-effect of change in accounting principle for financial instruments - credit losses (ASU 2016-13)— — 
Provision for (reduction in) unfunded lending commitments73 26 (41)
Unfunded lending commitment losses— (1)(13)
Allowance for unfunded lending commitments, end of period150 77 52 
Total allowance for credit losses, end of period$2,271 $2,107 $1,866 
Allowance for loan and lease losses (ALLL) as % of:
Total loans and leases
1.77 %1.82 %2.22 %
Nonaccrual loans and leases (NALs)
373 284 341 
Nonperforming assets (NPAs)
357 271 323 
Total allowance for credit losses (ACL) as % of:
Total loans and leases
1.90 %1.89 %2.29 %
Nonaccrual loans and leases (NALs)
400 294 351 
Nonperforming assets (NPAs)
382 281 332 
(1)Net charge-offs and associated metrics for the period ended December 31, 2021 exclude $80 million of charge-offs recognized immediately upon completion of the TCF acquisition and related to required purchase accounting treatment.
Year Ended December 31,
(dollar amounts in millions)202220212020
Allocation of allowance for credit losses
Commercial
Commercial and industrial$890 $832 $879 
Commercial real estate482 586 297 
Lease financing52 44 60 
Total commercial1,424 1,462 1,236 
Consumer
Residential mortgage187 145 79 
Automobile141 108 166 
Home equity105 88 124 
RV and marine143 105 129 
Other consumer121 122 80 
Total consumer697 568 578 
Total allowance for loan and lease losses2,121 2,030 1,814 
Allowance for unfunded lending commitments150 77 52 
Total allowance for credit losses$2,271 $2,107 $1,866 

23


Huntington Bancshares Incorporated
Annual Net Charge-Off Analysis
(Unaudited)
Year Ended December 31,
(dollar amounts in millions)
202220212020
Net charge-offs by loan and lease type:
Commercial:
Commercial and industrial
$(2)$99 $287 
Commercial real estate
17 43 
Lease financing44 12 
Total commercial
15 160 342 
Consumer:
Residential mortgage(2)(1)
Automobile(6)33 
Home equity(5)(5)
RV and marine
12 
Other consumer
99 62 53 
Total consumer
106 55 107 
Total net charge-offs (1)$121 $215 $449 
Net charge-offs - annualized percentages:
Commercial:
Commercial and industrial
— %0.27 %0.91 %
Commercial real estate
0.05 0.14 0.61 
Lease financing0.18 1.18 0.54 
Total commercial
0.03 0.31 0.84 
Consumer:
Residential mortgage(0.01)— 0.03 
Automobile0.05 (0.05)0.26 
Home equity(0.05)(0.05)0.07 
RV and marine
0.15 0.10 0.31 
Other consumer
7.55 5.56 4.84 
Total consumer
0.21 0.12 0.28 
Net charge-offs as a % of average loans (1)0.11 %0.22 %0.57 %
(1)Net charge-offs and associated metrics for the period ended December 31, 2021 exclude $80 million of charge-offs recognized immediately upon completion of the TCF acquisition and related to required purchase accounting treatment.

24


Huntington Bancshares Incorporated
Annual Nonaccrual Loans and Leases (NALs) and Nonperforming Assets (NPAs) (1)
(Unaudited)
December 31,
(dollar amounts in millions)
202220212020
Nonaccrual loans and leases (NALs):
Commercial and industrial$288 $370 $349 
Commercial real estate
92 104 15 
Lease financing18 48 
Residential mortgage
90 111 88 
Automobile
Home equity76 79 70 
RV and marine
Total nonaccrual loans and leases
569 716 532 
Other real estate, net:
Residential
11 
Commercial
— — 
Total other real estate, net
11 
Other NPAs (1)
14 25 27 
Total nonperforming assets (2)$594 $750 $563 
Nonaccrual loans and leases as a % of total loans and leases
0.48 %0.64 %0.65 %
NPA ratio (3)0.50 0.67 0.69 
December 31,
(dollar amounts in millions)
202220212020
Nonperforming assets, beginning of period
$750 $563 $498 
New nonperforming assets
755 586 991 
Returns to accruing status
(264)(303)(198)
Loan and lease losses
(151)(215)(327)
Payments
(485)(416)(292)
Sales and held-for-sale transfers
(11)(94)(109)
Acquired NPAs— 629 — 
Nonperforming assets, end of period (2)
$594 $750 $563 

(1)December 31, 2021 and 2020 generally exclude loans and leases that were under payment deferral or granted other assistance, including amendments or waivers of financial covenants in response to the COVID-19 pandemic.
(2)Other nonperforming assets include certain impaired securities and/or nonaccrual loans held-for-sale.
(3)Nonperforming assets divided by the sum of loans and leases, net other real estate owned, and other NPAs.





25


Huntington Bancshares Incorporated
Reconciliation of Non-GAAP Financial Measures
(Unaudited)

Huntington believes certain non-GAAP financial measures to be helpful in understanding Huntington’s results of operations. The following tables provide the comparable GAAP financial measure, as well as the reconciliation to the comparable GAAP financial measure.
Three months endedChange (%)Year ended December 31,Change (%)
($ in millions)December 31, 2022September 30, 202220222021
Pre-Provision Net Revenue (PPNR)
Total revenue$1,961 $1,902 $7,254 $5,991 
FTE adjustment31 25 
Total revenue (FTE) (a)1,970 1,910 7,285 6,016 
Less: net gain/(loss) on securities— — — 
Total revenue (FTE), excluding net gain/(loss) on securities (b)1,970 1,910 7,285 6,007 
Noninterest expense (c)1,077 1,053 4,201 4,375 
Less: Notable items15 10 95 711 
Noninterest expense, excluding notable items (d)1,062 1,043 4,106 3,664 
PPNR (a-c)893 857 %3,084 1,641 88 %
PPNR, adjusted (b-d)908 867 %3,179 2,343 36 %
26
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Cover Page
Jan. 20, 2023
Entity Information [Line Items]  
Document Type 8-K
Document Period End Date Jan. 20, 2023
Entity Registrant Name Huntington Bancshares Incorporated
Entity Incorporation, State or Country Code MD
Entity File Number 1-34073
Entity Tax Identification Number 31-0724920
Entity Address, Address Line One 41 South High Street
Entity Address, City or Town Columbus
Entity Address, State or Province OH
Entity Address, Postal Zip Code 43287
City Area Code 614
Local Phone Number 480-2265
Written Communications false
Soliciting Material false
Pre-commencement Tender Offer false
Pre-commencement Issuer Tender Offer false
Entity Emerging Growth Company false
Entity Central Index Key 0000049196
Amendment Flag false
Common Stock-Par Value $0.01 per share  
Entity Information [Line Items]  
Title of 12(b) Security Common Stock—Par Value $0.01 per Share
Trading Symbol HBAN
Security Exchange Name NASDAQ
Series H Preferred Stock  
Entity Information [Line Items]  
Title of 12(b) Security Depositary Shares (each representing a 1/40th interest in a share of 4.500% Series H Non-Cumulative, perpetual preferred stock)
Trading Symbol HBANP
Security Exchange Name NASDAQ
Series I Preferred Stock  
Entity Information [Line Items]  
Title of 12(b) Security Depositary Shares (each representing a 1/1000th interest in a share of 5.70% Series I Non-Cumulative, perpetual preferred stock)
Trading Symbol HBANM
Security Exchange Name NASDAQ
XML 11 hban-20230120_htm.xml IDEA: XBRL DOCUMENT 0000049196 2023-01-20 2023-01-20 0000049196 us-gaap:SeriesHPreferredStockMember 2023-01-20 2023-01-20 0000049196 hban:SeriesIPreferredStockMember 2023-01-20 2023-01-20 0000049196 us-gaap:CommonStockMember 2023-01-20 2023-01-20 0000049196 false 8-K 2023-01-20 Huntington Bancshares Incorporated MD 1-34073 31-0724920 41 South High Street Columbus OH 43287 614 480-2265 false false false false 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 Common Stock—Par Value $0.01 per Share HBAN NASDAQ false EXCEL 12 Financial_Report.xlsx IDEA: XBRL DOCUMENT begin 644 Financial_Report.xlsx M4$L#!!0 ( ! 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