Slides
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Abundant Green RGB: 126, 207, 28 HEX: #7ECF1C Primary Palette Legacy Energy Green RGB: 45, 130, 42 HEX: #2D822A Capstone Partners Only Pastel Sage RGB: 133, 154, 153 HEX: #859A99 Medium Grey RGB: 166, 183, 183 HEX: #A6B7B7 Medium Sage RGB: 66, 100, 97 HEX: #426461 Prosperous Sage RGB: 0, 45, 42 HEX: #002D2A Highlight Teal RGB: 58, 204, 223 HEX: #3ACCDF Deep Teal RGB: 13, 164, 187 HEX: #0DA4BB Capstone Blue RGB: 4, 30, 66 HEX: #041E42 Extended Palette Off - White RGB: 245, 245, 245 HEX: #7ECF1C Light Grey RGB: 200, 210, 210 HEX: #C8D2D2 Light Sage RGB: 99, 127, 125 HEX: #637F7D Deep Sage RGB: 33, 72, 70 HEX: #214846 Highlight Green RGB: 177, 238, 44 HEX: #B1EE2C Light Teal RGB: 121, 222, 226 HEX: #79DEE2 Light Magenta RGB: 221, 123, 223 HEX: #DD78DF Highlight Magenta RGB: 193, 22, 216 HEX: #C116D8 Deep Magenta RGB: 144, 5, 163 HEX: #9005A3 Dark Magenta RGB: 80, 16, 89 HEX: #501059 Pastel Grey RGB: 233, 236, 236 HEX: #E9ECEC Dark Teal RGB: 3, 79, 84 HEX: #034F54 October 22, 2026 2026 Third Quarter Earnings Review Welcome. The Huntington National Bank is Member FDIC. Huntington, Huntington Bank, and the Huntington Brandmark are service marks of Huntington Bancshares Incorporated. ©2026 Huntington Bancshares Incorporated.
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Abundant Green RGB: 126, 207, 28 HEX: #7ECF1C Primary Palette Legacy Energy Green RGB: 45, 130, 42 HEX: #2D822A Capstone Partners Only Pastel Sage RGB: 133, 154, 153 HEX: #859A99 Medium Grey RGB: 166, 183, 183 HEX: #A6B7B7 Medium Sage RGB: 66, 100, 97 HEX: #426461 Prosperous Sage RGB: 0, 45, 42 HEX: #002D2A Highlight Teal RGB: 58, 204, 223 HEX: #3ACCDF Deep Teal RGB: 13, 164, 187 HEX: #0DA4BB Capstone Blue RGB: 4, 30, 66 HEX: #041E42 Extended Palette Off - White RGB: 245, 245, 245 HEX: #7ECF1C Light Grey RGB: 200, 210, 210 HEX: #C8D2D2 Light Sage RGB: 99, 127, 125 HEX: #637F7D Deep Sage RGB: 33, 72, 70 HEX: #214846 Highlight Green RGB: 177, 238, 44 HEX: #B1EE2C Light Teal RGB: 121, 222, 226 HEX: #79DEE2 Light Magenta RGB: 221, 123, 223 HEX: #DD78DF Highlight Magenta RGB: 193, 22, 216 HEX: #C116D8 Deep Magenta RGB: 144, 5, 163 HEX: #9005A3 Dark Magenta RGB: 80, 16, 89 HEX: #501059 Pastel Grey RGB: 233, 236, 236 HEX: #E9ECEC Dark Teal RGB: 3, 79, 84 HEX: #034F54 2026 Third Quarter Earnings Review | Disclaimer 2 Caution Regarding Forward - Looking Statements The information contained or incorporated by reference in this presentation contains certain forward - looking statements, includi ng, but not limited to, certain plans, expectations, goals, projections, and statements, which are not historical facts and are subject to numerous assumptions, risks, estimates, and un cer tainties that are beyond the control of Huntington. Statements that do not describe historical or current facts, including statements about beliefs and expectations, are forward - lo oking statements. Forward - looking statements may be identified by words such as expect, anticipate, continue, believe, intend, estimate, plan, trend, objective, target, goal, or si milar 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 h arbor 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 w hic h could cause actual results to differ materially from those contained or implied in the forward - looking statements or historical performance: changes in general economic, political, regula tory, or industry conditions; deterioration in business and economic conditions, including persistent inflation, supply chain issues or labor shortages; instability in global econom ic conditions and geopolitical conditions, including U.S. direct involvement in war and other conflicts, as well as volatility in financial markets; changes in U.S. trade policies, including th e imposition of tariffs and retaliatory tariffs; the impact of pandemics and other catastrophic events or disasters on the global economy and financial market conditions and our business, res ults of operations, and financial condition; the impacts related to or resulting from bank failures and other volatility, including potential increased regulatory requirement s a nd costs, such as Federal Deposit Insurance Corporation ("FDIC") special assessments, long - term debt requirements and heightened capital requirements; potential impacts to macroeconomi c conditions, which could affect the ability of depository institutions, including us, to attract and retain depositors and to borrow or raise capital; unexpected outflows o f d eposits which may require us to sell investment securities at a loss; changing interest rates which could negatively impact the value of our portfolio of investment securities; the loss o f v alue of our investment portfolio which could negatively impact market perceptions of us and could lead to deposit withdrawals; market perceptions of us and banks generally, includin g f rom the effects of social media; cybersecurity risks; uncertainty in U.S. fiscal and monetary policy, including the interest rate policies of the Board of Governors of the Federal Re serve System ("Federal Reserve"); volatility and disruptions in global capital, foreign exchange, and credit markets; movements in interest rates; competitive pressures on product pricin g a nd 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 phi losophy; introduction of new competitive products, such as stablecoins, and new competitors, such as financial technology companies and other "nontraditional" bank competitors; ch anges in policies and standards for regulatory review of bank mergers; 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 th e Securities and Exchange Commission ("SEC"), the Office of the Comptroller of the Currency, the Federal Reserve, the FDIC, the Consumer Financial Protection Bureau, and state - le vel regulators; the possibility that the anticipated benefits of recent or proposed acquisitions are not realized when expected or at all, including as a result of the impact of, or problems arising from, the integration of the companies or as a result of the strength of the economy and competitive factors in the areas where the companies do business; and other fa cto rs that may affect the future results of Huntington. All forward - looking statements are expressly qualified in their entirety by the cautionary statements set forth above. Forward - l ooking 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 stateme nts to reflect actual results, new information or future events, changes in assumptions or changes in circumstances or other factors affecting forward - looking statements that occur afte r the date the forward - looking statements were made or to reflect the occurrence of unanticipated events except as required by federal securities laws. If Huntington updates one or more forward - looking statements, no inference should be drawn that Huntington will make additional updates with respect to those or other forward - looking statements. As forward - looking statements involve significant risks and uncertainties, caution should be exercised against placing undue reliance on such statements. See also the other reports filed with the SEC, in cluding discussions under the “Forward - Looking Statements” and “Risk Factors” of Huntington’s Annual Report on Form 10 - K for the year ended December 31, 2025 and in its subseq uent Quarterly Reports on Form 10 - Q, including for the quarters ended March 31, 2026 and June 30, 2026, as filed with the SEC and available on its website at www.sec.gov . 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 und erstanding Huntington’s results of operations or financial position. Where non - GAAP financial measures are used, the comparable GAAP financial measure, as well as the reconcilia tion 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 wh ich can be found in the Investor Relations section of Huntington’s website, http://www.huntington - ir.com.
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Abundant Green RGB: 126, 207, 28 HEX: #7ECF1C Primary Palette Legacy Energy Green RGB: 45, 130, 42 HEX: #2D822A Capstone Partners Only Pastel Sage RGB: 133, 154, 153 HEX: #859A99 Medium Grey RGB: 166, 183, 183 HEX: #A6B7B7 Medium Sage RGB: 66, 100, 97 HEX: #426461 Prosperous Sage RGB: 0, 45, 42 HEX: #002D2A Highlight Teal RGB: 58, 204, 223 HEX: #3ACCDF Deep Teal RGB: 13, 164, 187 HEX: #0DA4BB Capstone Blue RGB: 4, 30, 66 HEX: #041E42 Extended Palette Off - White RGB: 245, 245, 245 HEX: #7ECF1C Light Grey RGB: 200, 210, 210 HEX: #C8D2D2 Light Sage RGB: 99, 127, 125 HEX: #637F7D Deep Sage RGB: 33, 72, 70 HEX: #214846 Highlight Green RGB: 177, 238, 44 HEX: #B1EE2C Light Teal RGB: 121, 222, 226 HEX: #79DEE2 Light Magenta RGB: 221, 123, 223 HEX: #DD78DF Highlight Magenta RGB: 193, 22, 216 HEX: #C116D8 Deep Magenta RGB: 144, 5, 163 HEX: #9005A3 Dark Magenta RGB: 80, 16, 89 HEX: #501059 Pastel Grey RGB: 233, 236, 236 HEX: #E9ECEC Dark Teal RGB: 3, 79, 84 HEX: #034F54 2026 Third Quarter Earnings Review | 3 Key Messages Disciplined execution driving solid performance in an evolving operating environment 2 Strategically well - positioned national franchise with substantial scale in high growth markets and value - added fee businesses 1 3 Partner synergies tracking at or ahead of expectations 4 Operating within aggregate moderate - to - low risk appetite Powering robust revenue, earnings and tangible book value growth and improving ROTCE
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Abundant Green RGB: 126, 207, 28 HEX: #7ECF1C Primary Palette Legacy Energy Green RGB: 45, 130, 42 HEX: #2D822A Capstone Partners Only Pastel Sage RGB: 133, 154, 153 HEX: #859A99 Medium Grey RGB: 166, 183, 183 HEX: #A6B7B7 Medium Sage RGB: 66, 100, 97 HEX: #426461 Prosperous Sage RGB: 0, 45, 42 HEX: #002D2A Highlight Teal RGB: 58, 204, 223 HEX: #3ACCDF Deep Teal RGB: 13, 164, 187 HEX: #0DA4BB Capstone Blue RGB: 4, 30, 66 HEX: #041E42 Extended Palette Off - White RGB: 245, 245, 245 HEX: #7ECF1C Light Grey RGB: 200, 210, 210 HEX: #C8D2D2 Light Sage RGB: 99, 127, 125 HEX: #637F7D Deep Sage RGB: 33, 72, 70 HEX: #214846 Highlight Green RGB: 177, 238, 44 HEX: #B1EE2C Light Teal RGB: 121, 222, 226 HEX: #79DEE2 Light Magenta RGB: 221, 123, 223 HEX: #DD78DF Highlight Magenta RGB: 193, 22, 216 HEX: #C116D8 Deep Magenta RGB: 144, 5, 163 HEX: #9005A3 Dark Magenta RGB: 80, 16, 89 HEX: #501059 Pastel Grey RGB: 233, 236, 236 HEX: #E9ECEC Dark Teal RGB: 3, 79, 84 HEX: #034F54 2026 Third Quarter Earnings Review | Operating and Financial Performance Driving Powerful Value Creation 4 1) Non - GAAP Measure, see reconciliations on slides 21 (EPS), 22 (TBV) and 23 (ROTCE); 2) As of 10/21/2026, volume weighted - avera ge share price of $16.37 $1.39 $0.06 FY25 FY26E FY27E $1.45 1 Robust Earnings Growth Improving Return Profile Strong Capital Management $0 M FY25 FY26E FY27E • Expected • Completed 2 $1.75 - 1.83 ~$ 550M ~$1.3B - 1.4B Share Buyback Program TBV Per Share $9.89 1 FY25 FY26E FY27E 15.7% ~17% 17 - 18% 0.7% FY25 FY26E FY27E 16.4% 1 $1.52 - 1.54 ~$ 460M Adj. EPS Adj. ROTCE ROTCE
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Abundant Green RGB: 126, 207, 28 HEX: #7ECF1C Primary Palette Legacy Energy Green RGB: 45, 130, 42 HEX: #2D822A Capstone Partners Only Pastel Sage RGB: 133, 154, 153 HEX: #859A99 Medium Grey RGB: 166, 183, 183 HEX: #A6B7B7 Medium Sage RGB: 66, 100, 97 HEX: #426461 Prosperous Sage RGB: 0, 45, 42 HEX: #002D2A Highlight Teal RGB: 58, 204, 223 HEX: #3ACCDF Deep Teal RGB: 13, 164, 187 HEX: #0DA4BB Capstone Blue RGB: 4, 30, 66 HEX: #041E42 Extended Palette Off - White RGB: 245, 245, 245 HEX: #7ECF1C Light Grey RGB: 200, 210, 210 HEX: #C8D2D2 Light Sage RGB: 99, 127, 125 HEX: #637F7D Deep Sage RGB: 33, 72, 70 HEX: #214846 Highlight Green RGB: 177, 238, 44 HEX: #B1EE2C Light Teal RGB: 121, 222, 226 HEX: #79DEE2 Light Magenta RGB: 221, 123, 223 HEX: #DD78DF Highlight Magenta RGB: 193, 22, 216 HEX: #C116D8 Deep Magenta RGB: 144, 5, 163 HEX: #9005A3 Dark Magenta RGB: 80, 16, 89 HEX: #501059 Pastel Grey RGB: 233, 236, 236 HEX: #E9ECEC Dark Teal RGB: 3, 79, 84 HEX: #034F54 2026 Third Quarter Earnings Review | 5 Note: Balances as of period end 9/30/26 Leading National Commercial Businesses Super Regional Bank Positioned for Strong Secular Growth Vision To Be the Leading People - First, Customer - Centered Bank in the Country Comprehensive Set of Payments Solutions Powerhouse Consumer and Regional Banking Franchise in 21 States Proud 160 year history. Accelerating into the future. $288B Assets $191B Loans $225B Deposits Proactive and Robust Risk Management Full Spectrum Wealth Management Platform Capital Markets Business with Broad Capabilities 2026 Third Quarter Earnings Review |
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Abundant Green RGB: 126, 207, 28 HEX: #7ECF1C Primary Palette Legacy Energy Green RGB: 45, 130, 42 HEX: #2D822A Capstone Partners Only Pastel Sage RGB: 133, 154, 153 HEX: #859A99 Medium Grey RGB: 166, 183, 183 HEX: #A6B7B7 Medium Sage RGB: 66, 100, 97 HEX: #426461 Prosperous Sage RGB: 0, 45, 42 HEX: #002D2A Highlight Teal RGB: 58, 204, 223 HEX: #3ACCDF Deep Teal RGB: 13, 164, 187 HEX: #0DA4BB Capstone Blue RGB: 4, 30, 66 HEX: #041E42 Extended Palette Off - White RGB: 245, 245, 245 HEX: #7ECF1C Light Grey RGB: 200, 210, 210 HEX: #C8D2D2 Light Sage RGB: 99, 127, 125 HEX: #637F7D Deep Sage RGB: 33, 72, 70 HEX: #214846 Highlight Green RGB: 177, 238, 44 HEX: #B1EE2C Light Teal RGB: 121, 222, 226 HEX: #79DEE2 Light Magenta RGB: 221, 123, 223 HEX: #DD78DF Highlight Magenta RGB: 193, 22, 216 HEX: #C116D8 Deep Magenta RGB: 144, 5, 163 HEX: #9005A3 Dark Magenta RGB: 80, 16, 89 HEX: #501059 Pastel Grey RGB: 233, 236, 236 HEX: #E9ECEC Dark Teal RGB: 3, 79, 84 HEX: #034F54 2026 Third Quarter Earnings Review | 1) To view Great Place to Work Certified Companies, visit https://www.greatplacetowork.com/certified - companies; 2) https://www.f orbes.com/lists/best - employers - for - new - grads; 3) https://clearviewpublishing.com/events/the - fourth - annual - wealthbriefing - for - goo d - awards - 2025/#about - top; 4) Coalition Greenwich Voice of Client – 2025 U.S. Commercial Banking Study ; 5) Tied in the Banking Onl ine Satisfaction Study. JD Power 2026 U.S. Banking Mobile App and Banking Online Satisfaction Studies; among banks with $60B – $19 9B in deposits and 200+ branches. Visit jdpower.com/awards for more details; 6) https://informaconnect.com/banking - tech - awards - usa/ 2026 - winners/; 7) https://tearsheet.co/announcement/bankings - big - ideas - get - their - moment - the - big - bank - theory - awards - 2026/ Capabilities That Differentiate Huntington Leading Digital Experiences #1 Digital Experience for Customer Satisfaction among Regional Banks 5 Best Bank & FinTech Partnership 6 Trusted Customer Relationships 2 years in a row 3 Best Bank Award 4 Winner: 15 Categories including: - Best Bank for Trust for 3yrs in a row - Overall Satisfaction and Customer Service Culture that Powers Execution 4 th in Forbes Best Employers for New Grads 2026 2 Great Place To Work® 8 years in a row 1 Best Bank - Fintech Partnership | Octane & Huntington Bank 7 6 AR/AP platform Small Business Agentic AI OS Payments Connect Family & Teen Banking Organize My Savings Continuous Innovation New Products & Capabilities Expansion of asset - backed finance & securitization capabilities
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Abundant Green RGB: 126, 207, 28 HEX: #7ECF1C Primary Palette Legacy Energy Green RGB: 45, 130, 42 HEX: #2D822A Capstone Partners Only Pastel Sage RGB: 133, 154, 153 HEX: #859A99 Medium Grey RGB: 166, 183, 183 HEX: #A6B7B7 Medium Sage RGB: 66, 100, 97 HEX: #426461 Prosperous Sage RGB: 0, 45, 42 HEX: #002D2A Highlight Teal RGB: 58, 204, 223 HEX: #3ACCDF Deep Teal RGB: 13, 164, 187 HEX: #0DA4BB Capstone Blue RGB: 4, 30, 66 HEX: #041E42 Extended Palette Off - White RGB: 245, 245, 245 HEX: #7ECF1C Light Grey RGB: 200, 210, 210 HEX: #C8D2D2 Light Sage RGB: 99, 127, 125 HEX: #637F7D Deep Sage RGB: 33, 72, 70 HEX: #214846 Highlight Green RGB: 177, 238, 44 HEX: #B1EE2C Light Teal RGB: 121, 222, 226 HEX: #79DEE2 Light Magenta RGB: 221, 123, 223 HEX: #DD78DF Highlight Magenta RGB: 193, 22, 216 HEX: #C116D8 Deep Magenta RGB: 144, 5, 163 HEX: #9005A3 Dark Magenta RGB: 80, 16, 89 HEX: #501059 Pastel Grey RGB: 233, 236, 236 HEX: #E9ECEC Dark Teal RGB: 3, 79, 84 HEX: #034F54 2026 Third Quarter Earnings Review | How We Create Sustainable Growth 7 1 Growing share in our core banking markets while selectively investing in new growth markets • Our differentiated operating model is driving share gains where Huntington has long - established strength while creating a platform for significant growth in attractive new markets. • Our digital deposit acquisition capability creates an opportunity for growth across Texas and the South. 2 Driving scale and growth through our national commercial banking expansion • Our industry - ecosystem approach provides national reach and broad customer relationships. • Our specialized expertise strengthens our value proposition for customers that we serve in our geographic banking footprint while further expanding the scale of our national commercial businesses. 3 Leveraging expanded capabilities in Payments, Wealth, & Capital Markets to deepen customer relationships • Our integrated approach to sales and servicing - OCR (“Optimal Customer Relationship”) - drives increases in customer value. • The expansion of the geographic banking footprint along with the growth of national commercial businesses compounds the opportunity for deepening. 4 Maintaining disciplined balance sheet growth aligned to our aggregate moderate - to - low risk appetite • Our focus is on profitable, risk - aligned growth supported by primary customer relationship deposits, disciplined pricing and customer level optimization. • Our approach is grounded in rigorous client selection and intentional capital allocation. 5 Driving efficiency and sustaining investment in sustainable growth • We are consistently re - engineering our baseline expenses, leveraging scale, automation, and AI to improve efficiency. • Our investments in people, technology, and marketing increase our competitive advantage and long - term customer growth.
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Abundant Green RGB: 126, 207, 28 HEX: #7ECF1C Primary Palette Legacy Energy Green RGB: 45, 130, 42 HEX: #2D822A Capstone Partners Only Pastel Sage RGB: 133, 154, 153 HEX: #859A99 Medium Grey RGB: 166, 183, 183 HEX: #A6B7B7 Medium Sage RGB: 66, 100, 97 HEX: #426461 Prosperous Sage RGB: 0, 45, 42 HEX: #002D2A Highlight Teal RGB: 58, 204, 223 HEX: #3ACCDF Deep Teal RGB: 13, 164, 187 HEX: #0DA4BB Capstone Blue RGB: 4, 30, 66 HEX: #041E42 Extended Palette Off - White RGB: 245, 245, 245 HEX: #7ECF1C Light Grey RGB: 200, 210, 210 HEX: #C8D2D2 Light Sage RGB: 99, 127, 125 HEX: #637F7D Deep Sage RGB: 33, 72, 70 HEX: #214846 Highlight Green RGB: 177, 238, 44 HEX: #B1EE2C Light Teal RGB: 121, 222, 226 HEX: #79DEE2 Light Magenta RGB: 221, 123, 223 HEX: #DD78DF Highlight Magenta RGB: 193, 22, 216 HEX: #C116D8 Deep Magenta RGB: 144, 5, 163 HEX: #9005A3 Dark Magenta RGB: 80, 16, 89 HEX: #501059 Pastel Grey RGB: 233, 236, 236 HEX: #E9ECEC Dark Teal RGB: 3, 79, 84 HEX: #034F54 2026 Third Quarter Earnings Review | ~3% ~40% Core Expansion Strong Underlying Business Performance 8 1) See non - GAAP reconciliations on slide 21 (EPS) and slide 23 (ROTCE). 2) Expansion markets: NC, SC, & CO. (3) 3Q26 vs PYQ. (4) Sep - 26YTD vs Sep - 25 YTD Growth 5) Unmodified LCR represented as HBI Consolidated, spot as of 9/30/2026 EPS Notable Items Pre - Tax: $125M GAAP $0.33 Adjusted 1 $0.38 ROTCE GAAP 14.6% Adjusted 1 16.6% Loan Growth (ADB) QoQ - 0.4% YoY 38.6% Deposit Growth (ADB) QoQ 0.2% YoY 35.8% Credit Performance NCO Ratio 0.31% ACL Coverage 1.75% 3Q26 Key Metrics Growing share in core banking markets while selectively investing in new growth markets Driving scale and growth through our national commercial businesses Leveraging expanded capabilities in Payments, Wealth, & Capital Markets to deepen customer relationships Maintaining disciplined balance sheet growth aligned to our aggregate moderate - to - low risk appetite Driving efficiency and sustaining investment in sustainable growth ~Flat Core Expenses Q2 Q3 Q4 3.3 Year Average Securities Portfolio Duration, net of Hedging 1 2 3 4 5 Executing Across Our Five Growth Priorities Corporate, Specialty & Government Banking +$11B Loans (ADB) 3 +$9B Deposit (ADB) 3 Asset Finance +16% Loans (ADB) 3 +35% DCM/ECM revenue 4 +25% Investment YoY +28% Wealth Net Flows 3 +42% TM Revenue 3 27 bps YTD Net Charge - offs 111% LCR Ratio 5 ~6% ~50% Core Expansion Loans (ADB) Deposits (ADB) YoY Growth YoY Growth 2 2
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Abundant Green RGB: 126, 207, 28 HEX: #7ECF1C Primary Palette Legacy Energy Green RGB: 45, 130, 42 HEX: #2D822A Capstone Partners Only Pastel Sage RGB: 133, 154, 153 HEX: #859A99 Medium Grey RGB: 166, 183, 183 HEX: #A6B7B7 Medium Sage RGB: 66, 100, 97 HEX: #426461 Prosperous Sage RGB: 0, 45, 42 HEX: #002D2A Highlight Teal RGB: 58, 204, 223 HEX: #3ACCDF Deep Teal RGB: 13, 164, 187 HEX: #0DA4BB Capstone Blue RGB: 4, 30, 66 HEX: #041E42 Extended Palette Off - White RGB: 245, 245, 245 HEX: #7ECF1C Light Grey RGB: 200, 210, 210 HEX: #C8D2D2 Light Sage RGB: 99, 127, 125 HEX: #637F7D Deep Sage RGB: 33, 72, 70 HEX: #214846 Highlight Green RGB: 177, 238, 44 HEX: #B1EE2C Light Teal RGB: 121, 222, 226 HEX: #79DEE2 Light Magenta RGB: 221, 123, 223 HEX: #DD78DF Highlight Magenta RGB: 193, 22, 216 HEX: #C116D8 Deep Magenta RGB: 144, 5, 163 HEX: #9005A3 Dark Magenta RGB: 80, 16, 89 HEX: #501059 Pastel Grey RGB: 233, 236, 236 HEX: #E9ECEC Dark Teal RGB: 3, 79, 84 HEX: #034F54 2026 Third Quarter Earnings Review | Loans and Leases | Growing share Driving scale & growth $135.9 $146.6 $174.2 $189.3 $188.4 3Q25 4Q25 1Q26 2Q26 3Q26 9 • Average loans down - 0.4% QoQ and up +1.1% EOP QoQ • Continued organic growth contributions from: – Asset Finance – Corporate and Specialty Banking • Loan growth accelerated in 2 nd half of 3Q26 – Strong C&I originations – Slowing pace of paydowns in Auto, Resi, and CRE • Strong contributions across geographies; for example: – Ohio/Michigan asset growth: +4.6% YoY – Carolinas asset growth: +108% YoY $191.4 9/30 (EOP) +1.1% QoQ EOP Loan and Lease Balances (ADB) Highlights Average Loan Yield Loan and Lease Balances QoQ (ADB) Loan and Lease Composition (EOP) 49% 18% 12% 8% 6% 3% 3% 1% C&I Resi Mortgage CRE Auto Home Equity Lease Financing RV/Marine Other Consumer $189.3 $188.4 $0.5 $(0.9) ($0.5) 2Q26 C&I CRE Consumer 3Q26 5.84% 5.84% Note: $ in billions - Asset Finance - Corporate Specialty - Auto & Resi - Partly offset by RVM 1 2 3 2 5 Efficiency and Investment National Commercial Growth Relationship Deepening
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Abundant Green RGB: 126, 207, 28 HEX: #7ECF1C Primary Palette Legacy Energy Green RGB: 45, 130, 42 HEX: #2D822A Capstone Partners Only Pastel Sage RGB: 133, 154, 153 HEX: #859A99 Medium Grey RGB: 166, 183, 183 HEX: #A6B7B7 Medium Sage RGB: 66, 100, 97 HEX: #426461 Prosperous Sage RGB: 0, 45, 42 HEX: #002D2A Highlight Teal RGB: 58, 204, 223 HEX: #3ACCDF Deep Teal RGB: 13, 164, 187 HEX: #0DA4BB Capstone Blue RGB: 4, 30, 66 HEX: #041E42 Extended Palette Off - White RGB: 245, 245, 245 HEX: #7ECF1C Light Grey RGB: 200, 210, 210 HEX: #C8D2D2 Light Sage RGB: 99, 127, 125 HEX: #637F7D Deep Sage RGB: 33, 72, 70 HEX: #214846 Highlight Green RGB: 177, 238, 44 HEX: #B1EE2C Light Teal RGB: 121, 222, 226 HEX: #79DEE2 Light Magenta RGB: 221, 123, 223 HEX: #DD78DF Highlight Magenta RGB: 193, 22, 216 HEX: #C116D8 Deep Magenta RGB: 144, 5, 163 HEX: #9005A3 Dark Magenta RGB: 80, 16, 89 HEX: #501059 Pastel Grey RGB: 233, 236, 236 HEX: #E9ECEC Dark Teal RGB: 3, 79, 84 HEX: #034F54 2026 Third Quarter Earnings Review | Deposits | Note: $ in billions. Source: Factset and company presentations – Includes all peers: CFG, FITB, FHN, KEY, MTB, PNC, RF, TFC, USB, and ZION. 1) Represents spot balance of Fed Funds Rate. 2 ) Deposit growth adjusted to exclude impact of M&A (including HBAN (CADE+VBTX), FITB (CMA), & PNC (FirstBank)) using day - weighted opening balance sheets. • Moderating sequential rise in deposit costs – Average deposit growth of 0.2% QoQ, and outpacing loan growth as expected – Continue to match fund loan growth on a YTD basis • Deepening relationships & driving primacy with growth in PBRs: – Consumer: +4% YoY – Business: +5% YoY – Commercial: +7% YoY Highlights Deposit (ADB) Growth vs Change in Deposit Costs $164.8 $173.2 $204.6 $223.4 $223.8 3Q25 4Q25 1Q26 2Q26 3Q26 $224.7 +0.2% QoQ ADB Deposit Balances (ADB) 5.00% 4.25% 3.75% 3.75% 3.75% 4.00% 2.40% 2.00% 1.88% 1.82% 1.88% 1.90% 3Q24 3Q25 4Q25 1Q26 2Q26 3Q26 - 40bps Fed Funds Rate 1 Total Cost of Deposits Total Cost of Deposits Trend 10 9/30 (EOP) +6bps +2bps - 6bps - 12bps Deposit (ADB) Growth2 ∆ Cost of Deposits (bps) Peer 1 Peer 2 Peer 3 Peer 4 Peer 5 HBAN Peer 6 Peer 7 Peer 8 Peer 9 -2.0 1.0 4.0 7.0 10.0 13.0 -1.0% 0.0% 1.0% 2.0% 3.0% 4.0% Relative change from 1Q26 to 3Q26 Growing share Driving scale & growth 1 2
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Abundant Green RGB: 126, 207, 28 HEX: #7ECF1C Primary Palette Legacy Energy Green RGB: 45, 130, 42 HEX: #2D822A Capstone Partners Only Pastel Sage RGB: 133, 154, 153 HEX: #859A99 Medium Grey RGB: 166, 183, 183 HEX: #A6B7B7 Medium Sage RGB: 66, 100, 97 HEX: #426461 Prosperous Sage RGB: 0, 45, 42 HEX: #002D2A Highlight Teal RGB: 58, 204, 223 HEX: #3ACCDF Deep Teal RGB: 13, 164, 187 HEX: #0DA4BB Capstone Blue RGB: 4, 30, 66 HEX: #041E42 Extended Palette Off - White RGB: 245, 245, 245 HEX: #7ECF1C Light Grey RGB: 200, 210, 210 HEX: #C8D2D2 Light Sage RGB: 99, 127, 125 HEX: #637F7D Deep Sage RGB: 33, 72, 70 HEX: #214846 Highlight Green RGB: 177, 238, 44 HEX: #B1EE2C Light Teal RGB: 121, 222, 226 HEX: #79DEE2 Light Magenta RGB: 221, 123, 223 HEX: #DD78DF Highlight Magenta RGB: 193, 22, 216 HEX: #C116D8 Deep Magenta RGB: 144, 5, 163 HEX: #9005A3 Dark Magenta RGB: 80, 16, 89 HEX: #501059 Pastel Grey RGB: 233, 236, 236 HEX: #E9ECEC Dark Teal RGB: 3, 79, 84 HEX: #034F54 2026 Third Quarter Earnings Review | • Optimization supported NIM expansion in 3Q (+4bps) • Expect NIM stability into Q4 – Variable yields are benefitting from rate hike – Dynamically managing up beta Net Interest Income | 11 Note: $ in millions; 1) Calculated on a fully - taxable equivalent (FTE) basis. See quarterly financial supplement for information on net interest income (FTE). $1,523 $1,609 $1,910 $2,072 $2,090 3.13% 3.15% 3.24% 3.21% 3.25% 3Q25 4Q25 1Q26 2Q26 3Q26 2Q26 NIM 3.21% Asset Yields +0.02% Interest Bearing Liabilities +0.01% PAA (0.02%) Hedging (0.01%) Lower Average Fed Cash / Other +0.04% 3Q26 3.25% Highlights NIM Rollforward Net Interest Income (FTE) 1 and Net Interest Margin (NIM) 1 Disciplined risk management 4
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Abundant Green RGB: 126, 207, 28 HEX: #7ECF1C Primary Palette Legacy Energy Green RGB: 45, 130, 42 HEX: #2D822A Capstone Partners Only Pastel Sage RGB: 133, 154, 153 HEX: #859A99 Medium Grey RGB: 166, 183, 183 HEX: #A6B7B7 Medium Sage RGB: 66, 100, 97 HEX: #426461 Prosperous Sage RGB: 0, 45, 42 HEX: #002D2A Highlight Teal RGB: 58, 204, 223 HEX: #3ACCDF Deep Teal RGB: 13, 164, 187 HEX: #0DA4BB Capstone Blue RGB: 4, 30, 66 HEX: #041E42 Extended Palette Off - White RGB: 245, 245, 245 HEX: #7ECF1C Light Grey RGB: 200, 210, 210 HEX: #C8D2D2 Light Sage RGB: 99, 127, 125 HEX: #637F7D Deep Sage RGB: 33, 72, 70 HEX: #214846 Highlight Green RGB: 177, 238, 44 HEX: #B1EE2C Light Teal RGB: 121, 222, 226 HEX: #79DEE2 Light Magenta RGB: 221, 123, 223 HEX: #DD78DF Highlight Magenta RGB: 193, 22, 216 HEX: #C116D8 Deep Magenta RGB: 144, 5, 163 HEX: #9005A3 Dark Magenta RGB: 80, 16, 89 HEX: #501059 Pastel Grey RGB: 233, 236, 236 HEX: #E9ECEC Dark Teal RGB: 3, 79, 84 HEX: #034F54 2026 Third Quarter Earnings Review | Noninterest Income By Category $158 $174 $211 $93 $104 $131 $78 $94 $122 $86 $102 $124 $108 $154 $134 3Q24 3Q25 3Q26 Noninterest Income | 12 Note: $ in millions.. 1) Includes Interest Rate Derivatives, Currency Risk Management, & Commodities 2) Excluding Cadence Customer Deposit & Loan Fees Wealth & Asset Management Capital Markets & Advisory All Other Payments & Cash Management Total Noninterest Income $628 $722 Driving Sustainable Fee Growth $523 YE25 3Q26 +58% increase in active lead left roles in portfolio 3Q25 3Q26 +23% increase YTD in total FRM 1 revenue 3Q25 3Q26 Payments +26% increase YTD in Merchant Processing Volume 2 Capital Markets Wealth 3Q25 3Q26 +9% increase YoY in Advisory Households 2 3Q25 3Q26 +45% total increase YoY in AUM >13% increase excluding Cadence Relationship deepening 3 3Q25 3Q26 +19% increase YoY in Consumer + SMB Card Volume 2 Cadence Legacy
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Abundant Green RGB: 126, 207, 28 HEX: #7ECF1C Primary Palette Legacy Energy Green RGB: 45, 130, 42 HEX: #2D822A Capstone Partners Only Pastel Sage RGB: 133, 154, 153 HEX: #859A99 Medium Grey RGB: 166, 183, 183 HEX: #A6B7B7 Medium Sage RGB: 66, 100, 97 HEX: #426461 Prosperous Sage RGB: 0, 45, 42 HEX: #002D2A Highlight Teal RGB: 58, 204, 223 HEX: #3ACCDF Deep Teal RGB: 13, 164, 187 HEX: #0DA4BB Capstone Blue RGB: 4, 30, 66 HEX: #041E42 Extended Palette Off - White RGB: 245, 245, 245 HEX: #7ECF1C Light Grey RGB: 200, 210, 210 HEX: #C8D2D2 Light Sage RGB: 99, 127, 125 HEX: #637F7D Deep Sage RGB: 33, 72, 70 HEX: #214846 Highlight Green RGB: 177, 238, 44 HEX: #B1EE2C Light Teal RGB: 121, 222, 226 HEX: #79DEE2 Light Magenta RGB: 221, 123, 223 HEX: #DD78DF Highlight Magenta RGB: 193, 22, 216 HEX: #C116D8 Deep Magenta RGB: 144, 5, 163 HEX: #9005A3 Dark Magenta RGB: 80, 16, 89 HEX: #501059 Pastel Grey RGB: 233, 236, 236 HEX: #E9ECEC Dark Teal RGB: 3, 79, 84 HEX: #034F54 2026 Third Quarter Earnings Review | +6.9% +22.6% +28.4% +11.9% +24.7% +29.6% +500 +210 +120 ≥100 3Q25 2Q26 3Q26 4Q26E Noninterest Expense | 13 Note: $ in millions. 1) see non - GAAP reconciliations on slide 25 (Noninterest Expense) and slide 26 (Operating Leverage). 2) Represents cumulative expense reductions through efficiency activities. 3) Average expense reduction through 2025. Highlights • Driving Efficiency: – Completed full Cadence cost synergy actions during 3Q – Executing increased efficiency program of 1.5% in FY26 – Driving positive operating leverage • Sustaining Investment in Innovation and Growth: – Leading customer acquisition through digital and physical channels – Building innovative digital - first tools – Expanding branch network across new regions – Expanding commercial verticals and specialized capabilities – Leveraging AI to enhance efficiency and scalability $1,238 $1,290 $1,511 $1,657 $1,655 $8 $130 $263 $152 $117 $1,246 $1,420 $1,774 $1,809 $1,772 3Q25 4Q25 1Q26 2Q26 3Q26 Noninterest Expense (NIE) Notable Items NIE excl. Notable Items 1 Adjusted Operating Leverage 1 LTM Revenue LTM Expense YoY Growth Rate Adj. Operating Leverage (bps) Reengineering of Baseline Expenses 2 Org Simplification Branch Optimization BPO, Automation, AI & Other Vendor Efficiencies For internal review purpose only 2026 target: 1.5% Efficiency and investment 5
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Abundant Green RGB: 126, 207, 28 HEX: #7ECF1C Primary Palette Legacy Energy Green RGB: 45, 130, 42 HEX: #2D822A Capstone Partners Only Pastel Sage RGB: 133, 154, 153 HEX: #859A99 Medium Grey RGB: 166, 183, 183 HEX: #A6B7B7 Medium Sage RGB: 66, 100, 97 HEX: #426461 Prosperous Sage RGB: 0, 45, 42 HEX: #002D2A Highlight Teal RGB: 58, 204, 223 HEX: #3ACCDF Deep Teal RGB: 13, 164, 187 HEX: #0DA4BB Capstone Blue RGB: 4, 30, 66 HEX: #041E42 Extended Palette Off - White RGB: 245, 245, 245 HEX: #7ECF1C Light Grey RGB: 200, 210, 210 HEX: #C8D2D2 Light Sage RGB: 99, 127, 125 HEX: #637F7D Deep Sage RGB: 33, 72, 70 HEX: #214846 Highlight Green RGB: 177, 238, 44 HEX: #B1EE2C Light Teal RGB: 121, 222, 226 HEX: #79DEE2 Light Magenta RGB: 221, 123, 223 HEX: #DD78DF Highlight Magenta RGB: 193, 22, 216 HEX: #C116D8 Deep Magenta RGB: 144, 5, 163 HEX: #9005A3 Dark Magenta RGB: 80, 16, 89 HEX: #501059 Pastel Grey RGB: 233, 236, 236 HEX: #E9ECEC Dark Teal RGB: 3, 79, 84 HEX: #034F54 2026 Third Quarter Earnings Review | 9.2% 9.2% 9.2% 9.0% 8.9% 1.4% 1.2% 1.0% 1.0% 1.2% 10.6% 10.4% 10.2% 10.0% 10.1% 3Q25 4Q25 1Q26 2Q26 3Q26 Capital | 14 1) See non - GAAP reconciliations on slide 22 (TBV per Share) and 24 (CET1); 2) AOCI adjustment aligned to the GSIB reporting requirement - inclusion of AOCI adjusted for cash flow hedges on loan portfolio 3) As of 10/21/2026, volume weighted - average sha re price of $16.37 • Disciplined Capital Management Supports Growth and Shareholder Returns • Maintaining capital allocation priorities – ~$460M share repurchases YTD 3 ; $100M in 3Q – Loan growth optimization supports capital return • 10% CAGR on Tangible Book Value over the past 3 years • Basel III proposal expected to provide approximately 70 - 80bps of additional CET1 flexibility through RWA relief Targeting 9 - 10% Adj. CET1 Target Operating Range 9 - 10% AOCI Adj. for Cash Flow Hedges Adj. CET1 (1,2) 9.0% 8.9% 0.3% (0.2%) (0.2%) CET1 Ratio Adjusted CET1 1,2 Ratio Drivers Highlights Tangible Book Value per Share 1 2Q26 3Q26 Earnings Dividend $7.12 $8.65 $9.54 $9.47 3Q23 3Q24 3Q25 3Q26 +10% CAGR AOCI / Other, net Disciplined risk management 4
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Abundant Green RGB: 126, 207, 28 HEX: #7ECF1C Primary Palette Legacy Energy Green RGB: 45, 130, 42 HEX: #2D822A Capstone Partners Only Pastel Sage RGB: 133, 154, 153 HEX: #859A99 Medium Grey RGB: 166, 183, 183 HEX: #A6B7B7 Medium Sage RGB: 66, 100, 97 HEX: #426461 Prosperous Sage RGB: 0, 45, 42 HEX: #002D2A Highlight Teal RGB: 58, 204, 223 HEX: #3ACCDF Deep Teal RGB: 13, 164, 187 HEX: #0DA4BB Capstone Blue RGB: 4, 30, 66 HEX: #041E42 Extended Palette Off - White RGB: 245, 245, 245 HEX: #7ECF1C Light Grey RGB: 200, 210, 210 HEX: #C8D2D2 Light Sage RGB: 99, 127, 125 HEX: #637F7D Deep Sage RGB: 33, 72, 70 HEX: #214846 Highlight Green RGB: 177, 238, 44 HEX: #B1EE2C Light Teal RGB: 121, 222, 226 HEX: #79DEE2 Light Magenta RGB: 221, 123, 223 HEX: #DD78DF Highlight Magenta RGB: 193, 22, 216 HEX: #C116D8 Deep Magenta RGB: 144, 5, 163 HEX: #9005A3 Dark Magenta RGB: 80, 16, 89 HEX: #501059 Pastel Grey RGB: 233, 236, 236 HEX: #E9ECEC Dark Teal RGB: 3, 79, 84 HEX: #034F54 2026 Third Quarter Earnings Review | $9.54 $1.31 $(0.42) ($0.26) $10.17 … $(0.08) $9.47 $(0.62) Creating Shareholder Value | 15 1) See non - GAAP reconciliations on slide 22 (TBV per Share) and 23 (ROTCE). 2) Dividend Yield as of 10/7/26. 3) Shares repurchas ed as of 9/30/2026 ROTCE Tangible Book Value Per Share 1 3Q25 3Q26 Earnings Buybacks OCI Change Loan Growth/ Other Creating Value Strong performance supports capital return and growth investments TBV / share before Shareholder Returns Operational Impact Capital Return - 0.7% YoY ~4% Dividend Yield 2 Common Dividends 16.7% 15.7% 14.3% 14.2% 13.6% 0.0% 0.7% 2.1% 2.5% 2.9% 16.7% 16.4% 16.4% 16.7% 16.5% 3Q25 LTM 4Q25 LTM 1Q26 LTM 2Q26 LTM 3Q26 LTM 2027E 17 – 18% Driving Returns Revenue growth and positive operating leverage sustaining strong adjusted ROTCE $409M shares repurchased (~1%) 3 Adj.1 ROTCE Ready for SEC review +7% YoY Disciplined risk management 4 Strong returns support the dividend, drive growth investments, and expand capital
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Abundant Green RGB: 126, 207, 28 HEX: #7ECF1C Primary Palette Legacy Energy Green RGB: 45, 130, 42 HEX: #2D822A Capstone Partners Only Pastel Sage RGB: 133, 154, 153 HEX: #859A99 Medium Grey RGB: 166, 183, 183 HEX: #A6B7B7 Medium Sage RGB: 66, 100, 97 HEX: #426461 Prosperous Sage RGB: 0, 45, 42 HEX: #002D2A Highlight Teal RGB: 58, 204, 223 HEX: #3ACCDF Deep Teal RGB: 13, 164, 187 HEX: #0DA4BB Capstone Blue RGB: 4, 30, 66 HEX: #041E42 Extended Palette Off - White RGB: 245, 245, 245 HEX: #7ECF1C Light Grey RGB: 200, 210, 210 HEX: #C8D2D2 Light Sage RGB: 99, 127, 125 HEX: #637F7D Deep Sage RGB: 33, 72, 70 HEX: #214846 Highlight Green RGB: 177, 238, 44 HEX: #B1EE2C Light Teal RGB: 121, 222, 226 HEX: #79DEE2 Light Magenta RGB: 221, 123, 223 HEX: #DD78DF Highlight Magenta RGB: 193, 22, 216 HEX: #C116D8 Deep Magenta RGB: 144, 5, 163 HEX: #9005A3 Dark Magenta RGB: 80, 16, 89 HEX: #501059 Pastel Grey RGB: 233, 236, 236 HEX: #E9ECEC Dark Teal RGB: 3, 79, 84 HEX: #034F54 2026 Third Quarter Earnings Review | 3.79% 4.23% 4.33% 4.18% 4.26% 3.0 0% 3.2 0% 3.4 0% 3.6 0% 3.8 0% 4.0 0% 4.2 0% 4.4 0% 3Q25 4Q25 1Q26 2Q26 3Q26 0.22% 0.24% 0.26% 0.25% 0.31% 0.44% 0.42% 0.38% 0.34% 0.32% 3Q25 4Q25 1Q26 2Q26 3Q26 Peer Median Top Tier Credit Performance | 16 1) Source: S&P Global – Includes all peers: CFG, FITB, FHN, KEY, MTB, PNC, RF, TFC, USB, and ZION Net Charge - Off Ratio 1.86% 1.83% 1.78% 1.78% 1.75% 1.62% 1.60% 1.57% 1.54% 1.49% 3Q25 4Q25 1Q26 2Q26 3Q26 Peer Median 1 Allowance for Credit Losses (ACL ) 1 2 nd & 3 rd Quartile Criticized Asset Ratio 0.60% 0.63% 0.72% 0.85% 0.90% 3Q25 4Q25 1Q26 2Q26 3Q26 NPA Ratio Disciplined risk management 4
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Abundant Green RGB: 126, 207, 28 HEX: #7ECF1C Primary Palette Legacy Energy Green RGB: 45, 130, 42 HEX: #2D822A Capstone Partners Only Pastel Sage RGB: 133, 154, 153 HEX: #859A99 Medium Grey RGB: 166, 183, 183 HEX: #A6B7B7 Medium Sage RGB: 66, 100, 97 HEX: #426461 Prosperous Sage RGB: 0, 45, 42 HEX: #002D2A Highlight Teal RGB: 58, 204, 223 HEX: #3ACCDF Deep Teal RGB: 13, 164, 187 HEX: #0DA4BB Capstone Blue RGB: 4, 30, 66 HEX: #041E42 Extended Palette Off - White RGB: 245, 245, 245 HEX: #7ECF1C Light Grey RGB: 200, 210, 210 HEX: #C8D2D2 Light Sage RGB: 99, 127, 125 HEX: #637F7D Deep Sage RGB: 33, 72, 70 HEX: #214846 Highlight Green RGB: 177, 238, 44 HEX: #B1EE2C Light Teal RGB: 121, 222, 226 HEX: #79DEE2 Light Magenta RGB: 221, 123, 223 HEX: #DD78DF Highlight Magenta RGB: 193, 22, 216 HEX: #C116D8 Deep Magenta RGB: 144, 5, 163 HEX: #9005A3 Dark Magenta RGB: 80, 16, 89 HEX: #501059 Pastel Grey RGB: 233, 236, 236 HEX: #E9ECEC Dark Teal RGB: 3, 79, 84 HEX: #034F54 2026 Third Quarter Earnings Review | Peer 1 HBAN Peer 2 Peer 3 Peer4 Peer 5 Peer 6 Peer7 Peer 8 Peer 9 Peer 10 0.0% 0.1% 0.2% 0.3% 0.4% 0.5% 0.6% 0.7% 1.00% 1.20% 1.40% 1.60% 1.80% 2.00% Median Top Tier Credit Performance | 17 Note: Source: S&P Global and company presentations – Includes all peers: CFG, FITB, FHN, KEY, MTB, PNC, RF, TFC, USB, and ZION 1) Reserves adjusted to exclude impact of M&A (including HBAN (CADE+VBTX), FITB (CMA), & PNC (FirstBank)) ACL Ratio by NCO Ratio YTD Reserve Build 1 NCO Ratio (LTM) ACL Ratio Disciplined risk management 4 3.0% 2.7% 2.5% 1.3% - 0.5% - 2.6% - 3.1% - 3.9% - 4.6% - 11.0% - 17.1% Peer 1 Peer 2 Peer 3 HBAN Peer 4 Peer 5 Peer 6 Peer 7 Peer 8 Peer 9 Peer 10 Median Higher Coverage Higher Loses
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Abundant Green RGB: 126, 207, 28 HEX: #7ECF1C Primary Palette Legacy Energy Green RGB: 45, 130, 42 HEX: #2D822A Capstone Partners Only Pastel Sage RGB: 133, 154, 153 HEX: #859A99 Medium Grey RGB: 166, 183, 183 HEX: #A6B7B7 Medium Sage RGB: 66, 100, 97 HEX: #426461 Prosperous Sage RGB: 0, 45, 42 HEX: #002D2A Highlight Teal RGB: 58, 204, 223 HEX: #3ACCDF Deep Teal RGB: 13, 164, 187 HEX: #0DA4BB Capstone Blue RGB: 4, 30, 66 HEX: #041E42 Extended Palette Off - White RGB: 245, 245, 245 HEX: #7ECF1C Light Grey RGB: 200, 210, 210 HEX: #C8D2D2 Light Sage RGB: 99, 127, 125 HEX: #637F7D Deep Sage RGB: 33, 72, 70 HEX: #214846 Highlight Green RGB: 177, 238, 44 HEX: #B1EE2C Light Teal RGB: 121, 222, 226 HEX: #79DEE2 Light Magenta RGB: 221, 123, 223 HEX: #DD78DF Highlight Magenta RGB: 193, 22, 216 HEX: #C116D8 Deep Magenta RGB: 144, 5, 163 HEX: #9005A3 Dark Magenta RGB: 80, 16, 89 HEX: #501059 Pastel Grey RGB: 233, 236, 236 HEX: #E9ECEC Dark Teal RGB: 3, 79, 84 HEX: #034F54 2026 Third Quarter Earnings Review | FY26 Guidance 18 1) Baseline excludes $58M loss on sale of securities, $24M gain from divestiture, and $13M loss from the impact of CRTs. 9/16/26 10/22/26 Commentary Net Interest Income FY25 Baseline = $6.056 billion ~35% ~35% • Expect stable NIM into Q4 Average Loans FY25 Baseline = $136.7 billion ~36% ~36% • No change Average Deposits FY25 Baseline = $165.8 billion ~33% ~32.5% • Reflects YTD performance: optimizing deposit costs while maintaining focus on match funding Noninterest Income (ex Gain/Loss on sale of securities) Non - GAAP FY25 Baseline = $2.222 billion 1 ~32% ~31% • Reflects YTD performance and expected sequential strength in Q4 Implied Revenue Growth FY25 Baseline = $8.278 billion ~34% ~34% Core Expenses Non - GAAP FY25 Baseline = $4.871 billion ~32.5 - 33.5% ~33% • Expect Q4 core expense ~flat to Q3 Net Charge - offs 25 - 35 bps 25 - 35 bps • FY26 NCOs tracking to low - end of range Effective Tax Rate ~18% ~18% Avg. Shares Outstanding in millions ~2,000 ~2,000 Outlook Previous Revised Commentary Net Interest Income FY25 Baseline = $6.056 billion 39 - 43% ~35% Continued NII expansion driven by loan growth Average Loans FY25 Baseline = $136.7 billion 36 - 37% ~36% On track Average Deposits FY25 Baseline = $165.8 billion 33 - 34% ~33% Continuing to core fund loan growth (ex Gain/Loss on sale of securities) Non - GAAP FY25 Baseline = $2.222 billion 1 31 - 33% ~32% On track FY25 Baseline = $8.278 billion ~37% ~34% On track Non - GAAP FY25 Baseline = $4.871 billion 32.5 - 33.5% On track - offs 25 - 35 bps Continued strong credit performance; on track for low end of the range 19 - 20% ~18% On track in millions ~2,000 Continue to expect $550M of share repurchases in FY26 9/16/26 3Q26 Commentary FY25 Baseline = $6.056 billion ~35% No Change Average Loans FY25 Baseline = $136.7 billion ~36% No Change Average Deposits FY25 Baseline = $165.8 billion ~33% No Change (ex Gain/Loss on sale of securities) Non - GAAP FY25 Baseline = $2.222 billion 1 ~32% No Change FY25 Baseline = $8.278 billion ~34% No Change Non - GAAP FY25 Baseline = $4.871 billion 32.5 - 33.5% No Change - offs 25 - 35 bps No change ~18% No change in millions ~2,000 No Change Tracking to $1.75 - $1.83 EPS in 2027
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Abundant Green RGB: 126, 207, 28 HEX: #7ECF1C Primary Palette Legacy Energy Green RGB: 45, 130, 42 HEX: #2D822A Capstone Partners Only Pastel Sage RGB: 133, 154, 153 HEX: #859A99 Medium Grey RGB: 166, 183, 183 HEX: #A6B7B7 Medium Sage RGB: 66, 100, 97 HEX: #426461 Prosperous Sage RGB: 0, 45, 42 HEX: #002D2A Highlight Teal RGB: 58, 204, 223 HEX: #3ACCDF Deep Teal RGB: 13, 164, 187 HEX: #0DA4BB Capstone Blue RGB: 4, 30, 66 HEX: #041E42 Extended Palette Off - White RGB: 245, 245, 245 HEX: #7ECF1C Light Grey RGB: 200, 210, 210 HEX: #C8D2D2 Light Sage RGB: 99, 127, 125 HEX: #637F7D Deep Sage RGB: 33, 72, 70 HEX: #214846 Highlight Green RGB: 177, 238, 44 HEX: #B1EE2C Light Teal RGB: 121, 222, 226 HEX: #79DEE2 Light Magenta RGB: 221, 123, 223 HEX: #DD78DF Highlight Magenta RGB: 193, 22, 216 HEX: #C116D8 Deep Magenta RGB: 144, 5, 163 HEX: #9005A3 Dark Magenta RGB: 80, 16, 89 HEX: #501059 Pastel Grey RGB: 233, 236, 236 HEX: #E9ECEC Dark Teal RGB: 3, 79, 84 HEX: #034F54 2026 Third Quarter Earnings Review | Flywheel for Value Creation 19 Sustainable Competitive Advantage Strong Revenue Growth and Profitability Differentiated Operating Model Expanding Investment Capacity
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Abundant Green RGB: 126, 207, 28 HEX: #7ECF1C Primary Palette Legacy Energy Green RGB: 45, 130, 42 HEX: #2D822A Capstone Partners Only Pastel Sage RGB: 133, 154, 153 HEX: #859A99 Medium Grey RGB: 166, 183, 183 HEX: #A6B7B7 Medium Sage RGB: 66, 100, 97 HEX: #426461 Prosperous Sage RGB: 0, 45, 42 HEX: #002D2A Highlight Teal RGB: 58, 204, 223 HEX: #3ACCDF Deep Teal RGB: 13, 164, 187 HEX: #0DA4BB Capstone Blue RGB: 4, 30, 66 HEX: #041E42 Extended Palette Off - White RGB: 245, 245, 245 HEX: #7ECF1C Light Grey RGB: 200, 210, 210 HEX: #C8D2D2 Light Sage RGB: 99, 127, 125 HEX: #637F7D Deep Sage RGB: 33, 72, 70 HEX: #214846 Highlight Green RGB: 177, 238, 44 HEX: #B1EE2C Light Teal RGB: 121, 222, 226 HEX: #79DEE2 Light Magenta RGB: 221, 123, 223 HEX: #DD78DF Highlight Magenta RGB: 193, 22, 216 HEX: #C116D8 Deep Magenta RGB: 144, 5, 163 HEX: #9005A3 Dark Magenta RGB: 80, 16, 89 HEX: #501059 Pastel Grey RGB: 233, 236, 236 HEX: #E9ECEC Dark Teal RGB: 3, 79, 84 HEX: #034F54 Appendix
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Abundant Green RGB: 126, 207, 28 HEX: #7ECF1C Primary Palette Legacy Energy Green RGB: 45, 130, 42 HEX: #2D822A Capstone Partners Only Pastel Sage RGB: 133, 154, 153 HEX: #859A99 Medium Grey RGB: 166, 183, 183 HEX: #A6B7B7 Medium Sage RGB: 66, 100, 97 HEX: #426461 Prosperous Sage RGB: 0, 45, 42 HEX: #002D2A Highlight Teal RGB: 58, 204, 223 HEX: #3ACCDF Deep Teal RGB: 13, 164, 187 HEX: #0DA4BB Capstone Blue RGB: 4, 30, 66 HEX: #041E42 Extended Palette Off - White RGB: 245, 245, 245 HEX: #7ECF1C Light Grey RGB: 200, 210, 210 HEX: #C8D2D2 Light Sage RGB: 99, 127, 125 HEX: #637F7D Deep Sage RGB: 33, 72, 70 HEX: #214846 Highlight Green RGB: 177, 238, 44 HEX: #B1EE2C Light Teal RGB: 121, 222, 226 HEX: #79DEE2 Light Magenta RGB: 221, 123, 223 HEX: #DD78DF Highlight Magenta RGB: 193, 22, 216 HEX: #C116D8 Deep Magenta RGB: 144, 5, 163 HEX: #9005A3 Dark Magenta RGB: 80, 16, 89 HEX: #501059 Pastel Grey RGB: 233, 236, 236 HEX: #E9ECEC Dark Teal RGB: 3, 79, 84 HEX: #034F54 2026 Third Quarter Earnings Review | Non - GAAP Reconciliation Earnings Per Share (EPS) 21 EPS ($ in millions, except per share amounts) FY25 3Q26 Earnings Per Share (GAAP), diluted $1.39 $0.33 Add: Notable Items, after - tax $91 0.06 $98 0.05 Adjusted Earnings Per Share (Non - GAAP) $1.45 $0.38
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Abundant Green RGB: 126, 207, 28 HEX: #7ECF1C Primary Palette Legacy Energy Green RGB: 45, 130, 42 HEX: #2D822A Capstone Partners Only Pastel Sage RGB: 133, 154, 153 HEX: #859A99 Medium Grey RGB: 166, 183, 183 HEX: #A6B7B7 Medium Sage RGB: 66, 100, 97 HEX: #426461 Prosperous Sage RGB: 0, 45, 42 HEX: #002D2A Highlight Teal RGB: 58, 204, 223 HEX: #3ACCDF Deep Teal RGB: 13, 164, 187 HEX: #0DA4BB Capstone Blue RGB: 4, 30, 66 HEX: #041E42 Extended Palette Off - White RGB: 245, 245, 245 HEX: #7ECF1C Light Grey RGB: 200, 210, 210 HEX: #C8D2D2 Light Sage RGB: 99, 127, 125 HEX: #637F7D Deep Sage RGB: 33, 72, 70 HEX: #214846 Highlight Green RGB: 177, 238, 44 HEX: #B1EE2C Light Teal RGB: 121, 222, 226 HEX: #79DEE2 Light Magenta RGB: 221, 123, 223 HEX: #DD78DF Highlight Magenta RGB: 193, 22, 216 HEX: #C116D8 Deep Magenta RGB: 144, 5, 163 HEX: #9005A3 Dark Magenta RGB: 80, 16, 89 HEX: #501059 Pastel Grey RGB: 233, 236, 236 HEX: #E9ECEC Dark Teal RGB: 3, 79, 84 HEX: #034F54 2026 Third Quarter Earnings Review | Non - GAAP Reconciliation Tangible book value per share 22 TBV per Share ( amounts in millions, except per share data ) 3Q23 3Q24 3Q25 4Q25 3Q26 Huntington shareholders’ equity $18,483 $20,606 $22,248 $24,342 $32,179 Less: preferred stock 2,484 2,394 2,731 2,731 2,881 Common shareholders’ equity $15,999 $18,212 $19,517 $21,611 $29,298 Less: goodwill 5,561 5,561 5,547 5,997 9,527 Less: other intangible assets, net of tax 122 85 51 115 684 Tangible common equity A $10,316 $12,566 $13,919 $15,499 $19,087 Number of common shares outstanding B 1,448 1,453 1,459 1,568 2,015 Tangible book value per share A/B $7.12 $8.65 $9.54 $9.89 $9.47
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Abundant Green RGB: 126, 207, 28 HEX: #7ECF1C Primary Palette Legacy Energy Green RGB: 45, 130, 42 HEX: #2D822A Capstone Partners Only Pastel Sage RGB: 133, 154, 153 HEX: #859A99 Medium Grey RGB: 166, 183, 183 HEX: #A6B7B7 Medium Sage RGB: 66, 100, 97 HEX: #426461 Prosperous Sage RGB: 0, 45, 42 HEX: #002D2A Highlight Teal RGB: 58, 204, 223 HEX: #3ACCDF Deep Teal RGB: 13, 164, 187 HEX: #0DA4BB Capstone Blue RGB: 4, 30, 66 HEX: #041E42 Extended Palette Off - White RGB: 245, 245, 245 HEX: #7ECF1C Light Grey RGB: 200, 210, 210 HEX: #C8D2D2 Light Sage RGB: 99, 127, 125 HEX: #637F7D Deep Sage RGB: 33, 72, 70 HEX: #214846 Highlight Green RGB: 177, 238, 44 HEX: #B1EE2C Light Teal RGB: 121, 222, 226 HEX: #79DEE2 Light Magenta RGB: 221, 123, 223 HEX: #DD78DF Highlight Magenta RGB: 193, 22, 216 HEX: #C116D8 Deep Magenta RGB: 144, 5, 163 HEX: #9005A3 Dark Magenta RGB: 80, 16, 89 HEX: #501059 Pastel Grey RGB: 233, 236, 236 HEX: #E9ECEC Dark Teal RGB: 3, 79, 84 HEX: #034F54 2026 Third Quarter Earnings Review | Non - GAAP Reconciliation Average Tangible Common Equity, ROTCE ROTCE ($ in millions) LTM 3Q25 LTM 4Q25 LTM 1Q26 LTM 2Q26 LTM 3Q26 3Q26 Average common shareholders’ equity $18,438 $19,241 $21,470 $24,242 $26,908 $29,776 Less: intangible assets and goodwill 5,645 5,741 6,609 7,813 9,021 10,416 Add: net tax effect of intangible assets 18 19 52 97 140 186 Average tangible common shareholders’ equity A 12,811 13,520 14,913 16,525 18,027 $19,546 Net income available to common $2,110 $2,087 $2,069 $2,246 $2,324 $680 Add: amortization of intangibles 44 46 76 119 157 49 Add: deferred tax (9) (10) (16) (26) (33) (10) Tangible net income available to common $2,145 $2,123 $2,129 $2,339 $2,448 $ 719 Tangible net income available to common (annualized) B $2,145 $2,123 $2,129 $2,339 $2,448 $2,853 Return on average tangible common shareholders’ equity B/A 16.7% 15.7% 14.3% 14.2% 13.6% 14.6% ROTCE Adj. ($ in millions) LTM 3Q25 LTM 4Q25 LTM 1Q26 LTM 2Q26 LTM 3Q26 3Q26 Tangible net income available to common (annualized) B $2,145 $2,123 $2,129 $2,339 $2,448 $2,853 Return on average tangible shareholders’ equity 16.7% 15.7% 14.3% 14.2% 13.6% 14.6% Add: Notable Items, after tax C (10) 91 305 418 529 98 Adjusted net income available to common (annualized) D $2,135 $2,214 $2,434 $2,757 $2,977 $3,241 Adjusted return on average tangible common shareholders’ equity D/A 16.7% 16.4% 16.4% 16.7% 16.5% 16.6% 23
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Abundant Green RGB: 126, 207, 28 HEX: #7ECF1C Primary Palette Legacy Energy Green RGB: 45, 130, 42 HEX: #2D822A Capstone Partners Only Pastel Sage RGB: 133, 154, 153 HEX: #859A99 Medium Grey RGB: 166, 183, 183 HEX: #A6B7B7 Medium Sage RGB: 66, 100, 97 HEX: #426461 Prosperous Sage RGB: 0, 45, 42 HEX: #002D2A Highlight Teal RGB: 58, 204, 223 HEX: #3ACCDF Deep Teal RGB: 13, 164, 187 HEX: #0DA4BB Capstone Blue RGB: 4, 30, 66 HEX: #041E42 Extended Palette Off - White RGB: 245, 245, 245 HEX: #7ECF1C Light Grey RGB: 200, 210, 210 HEX: #C8D2D2 Light Sage RGB: 99, 127, 125 HEX: #637F7D Deep Sage RGB: 33, 72, 70 HEX: #214846 Highlight Green RGB: 177, 238, 44 HEX: #B1EE2C Light Teal RGB: 121, 222, 226 HEX: #79DEE2 Light Magenta RGB: 221, 123, 223 HEX: #DD78DF Highlight Magenta RGB: 193, 22, 216 HEX: #C116D8 Deep Magenta RGB: 144, 5, 163 HEX: #9005A3 Dark Magenta RGB: 80, 16, 89 HEX: #501059 Pastel Grey RGB: 233, 236, 236 HEX: #E9ECEC Dark Teal RGB: 3, 79, 84 HEX: #034F54 2026 Third Quarter Earnings Review | Non - GAAP Reconciliation Common Equity Tier 1 (CET1) 24 CET1 – AOCI Impact ($ in millions) 3Q25 4Q25 1Q26 2Q26 3Q26 Common Equity Tier 1 A $15,924 $17,286 $21,160 $21,388 $21,684 Add: accumulated other Comprehensive income (loss) (AOCI) (2,065) (1,904) (2,055) (2,208) (2,969) Less: cash flow hedge 16 27 (49) (167) (410) Adjusted Common Equity Tier 1 B $13,843 $15,355 $19,154 $19,347 $19,125 Risk Weighted Assets C $150,222 $166,684 $208,132 $214,138 $214,500 Common Equity Tier 1 ratio A/C 10.6% 10.4% 10.2% 10.0% 10.1% Adjusted CET1 ratio B/C 9.2% 9.2% 9.2% 9.0% 8.9% AOCI impact adjusted for cash flow hedges on loan portfolio 1.4% 1.2% 1.0% 1.0% 1.2%
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Abundant Green RGB: 126, 207, 28 HEX: #7ECF1C Primary Palette Legacy Energy Green RGB: 45, 130, 42 HEX: #2D822A Capstone Partners Only Pastel Sage RGB: 133, 154, 153 HEX: #859A99 Medium Grey RGB: 166, 183, 183 HEX: #A6B7B7 Medium Sage RGB: 66, 100, 97 HEX: #426461 Prosperous Sage RGB: 0, 45, 42 HEX: #002D2A Highlight Teal RGB: 58, 204, 223 HEX: #3ACCDF Deep Teal RGB: 13, 164, 187 HEX: #0DA4BB Capstone Blue RGB: 4, 30, 66 HEX: #041E42 Extended Palette Off - White RGB: 245, 245, 245 HEX: #7ECF1C Light Grey RGB: 200, 210, 210 HEX: #C8D2D2 Light Sage RGB: 99, 127, 125 HEX: #637F7D Deep Sage RGB: 33, 72, 70 HEX: #214846 Highlight Green RGB: 177, 238, 44 HEX: #B1EE2C Light Teal RGB: 121, 222, 226 HEX: #79DEE2 Light Magenta RGB: 221, 123, 223 HEX: #DD78DF Highlight Magenta RGB: 193, 22, 216 HEX: #C116D8 Deep Magenta RGB: 144, 5, 163 HEX: #9005A3 Dark Magenta RGB: 80, 16, 89 HEX: #501059 Pastel Grey RGB: 233, 236, 236 HEX: #E9ECEC Dark Teal RGB: 3, 79, 84 HEX: #034F54 2026 Third Quarter Earnings Review | Non - GAAP Reconciliation Noninterest Expense 25 Noninterest Expense ($ in millions) 3Q25 4Q25 1Q26 2Q26 3Q26 Noninterest expense (GAAP) $1,246 $1,420 $1,774 $1,809 $1,772 Less: Notable Items, pre - tax 8 130 263 152 117 Adjusted Noninterest expense (Non - GAAP) $1,238 $1,290 $1,511 $1,657 $1,655
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Abundant Green RGB: 126, 207, 28 HEX: #7ECF1C Primary Palette Legacy Energy Green RGB: 45, 130, 42 HEX: #2D822A Capstone Partners Only Pastel Sage RGB: 133, 154, 153 HEX: #859A99 Medium Grey RGB: 166, 183, 183 HEX: #A6B7B7 Medium Sage RGB: 66, 100, 97 HEX: #426461 Prosperous Sage RGB: 0, 45, 42 HEX: #002D2A Highlight Teal RGB: 58, 204, 223 HEX: #3ACCDF Deep Teal RGB: 13, 164, 187 HEX: #0DA4BB Capstone Blue RGB: 4, 30, 66 HEX: #041E42 Extended Palette Off - White RGB: 245, 245, 245 HEX: #7ECF1C Light Grey RGB: 200, 210, 210 HEX: #C8D2D2 Light Sage RGB: 99, 127, 125 HEX: #637F7D Deep Sage RGB: 33, 72, 70 HEX: #214846 Highlight Green RGB: 177, 238, 44 HEX: #B1EE2C Light Teal RGB: 121, 222, 226 HEX: #79DEE2 Light Magenta RGB: 221, 123, 223 HEX: #DD78DF Highlight Magenta RGB: 193, 22, 216 HEX: #C116D8 Deep Magenta RGB: 144, 5, 163 HEX: #9005A3 Dark Magenta RGB: 80, 16, 89 HEX: #501059 Pastel Grey RGB: 233, 236, 236 HEX: #E9ECEC Dark Teal RGB: 3, 79, 84 HEX: #034F54 2026 Third Quarter Earnings Review | Non - GAAP Reconciliation Operating Leverage 26 Operating Leverage ($ in millions) LTM 3Q24 LTM 4Q24 LTM 1Q25 LTM 2Q25 LTM 3Q25 LTM 4Q25 LTM 1Q26 LTM 2Q26 LTM 3Q26 Total revenue (FTE) $7,202 $7,438 $7,606 $7,744 $8,008 $8,231 $8,888 $9,791 $10,452 YoY Growth Rate 5.1% 7.5% 11.2% 10.7% 16.9% 26.4% 30.5% Less: Net gain / (loss) on securities, gain on sale of a portion of our corporate trust and custody business, and acquired equity security conversion adjustment (3) (21) (21) (79) (55) (34) (21) 39 7 Total Revenue (FTE), excluding net gain / (loss) on securities, gain on sale of a portion of our corporate trust and custody business, acquired equity security conversion adjustment $7,205 $7,459 $7,627 $7,823 $8,063 $8,265 $8,909 $9,752 $10,445 YoY Growth Rate (Adjusted) 5.2% 8.6% 11.9% 10.8% 16.8% 24.7% 29.6% Noninterest expense $4,732 $4,562 $4,577 $4,657 $4,773 $5,015 $5,637 $6,249 $6,775 YoY Growth Rate (1.0)% (0.8)% 0.9% 9.9% 23.2% 34.2% 41.9% Less: Notable Items 277 48 12 9 11 144 404 553 662 Noninterest expense, excluding Notable Items $4,455 $4,514 $4,565 $4,648 $4,762 $4,871 $5,233 $5,696 $6,113 YoY Growth Rate (Adjusted) 5.1% 5.5% 6.9% 7.9% 14.6% 22.6% 28.4% Operating Leverage 6.1% 8.3% 10.3% 0.7% (6.3)% (7.8)% (11.4)% Operating Leverage (Adjusted) 0.1% 3.1% 5.0% 2.9% 2.2% 2.1% 1.2%
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Abundant Green RGB: 126, 207, 28 HEX: #7ECF1C Primary Palette Legacy Energy Green RGB: 45, 130, 42 HEX: #2D822A Capstone Partners Only Pastel Sage RGB: 133, 154, 153 HEX: #859A99 Medium Grey RGB: 166, 183, 183 HEX: #A6B7B7 Medium Sage RGB: 66, 100, 97 HEX: #426461 Prosperous Sage RGB: 0, 45, 42 HEX: #002D2A Highlight Teal RGB: 58, 204, 223 HEX: #3ACCDF Deep Teal RGB: 13, 164, 187 HEX: #0DA4BB Capstone Blue RGB: 4, 30, 66 HEX: #041E42 Extended Palette Off - White RGB: 245, 245, 245 HEX: #7ECF1C Light Grey RGB: 200, 210, 210 HEX: #C8D2D2 Light Sage RGB: 99, 127, 125 HEX: #637F7D Deep Sage RGB: 33, 72, 70 HEX: #214846 Highlight Green RGB: 177, 238, 44 HEX: #B1EE2C Light Teal RGB: 121, 222, 226 HEX: #79DEE2 Light Magenta RGB: 221, 123, 223 HEX: #DD78DF Highlight Magenta RGB: 193, 22, 216 HEX: #C116D8 Deep Magenta RGB: 144, 5, 163 HEX: #9005A3 Dark Magenta RGB: 80, 16, 89 HEX: #501059 Pastel Grey RGB: 233, 236, 236 HEX: #E9ECEC Dark Teal RGB: 3, 79, 84 HEX: #034F54 2026 Third Quarter Earnings Review | 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 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 - ir . 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 . Earnings per Share Equivalent Data Notable income or expense items may be expressed on a per common share basis . This is done for analytical and decision - making purposes to better discern underlying trends in total corporate earnings per share performance excluding the impact of such items . Investors may also find this information helpful in their evaluation of our financial performance against published earnings per share mean estimate amounts, which typically exclude the impact of Notable Items . Earnings per share equivalents are usually calculated by applying an effective tax rate to a pre - tax amount to derive an after - tax amount, which is divided by the average shares outstanding during the respective reporting period . Occasionally, when the item involves special tax treatment, the after - tax amount is disclosed separately, with this then being the amount used to calculate the earnings per share equivalent . 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 . 27
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Abundant Green RGB: 126, 207, 28 HEX: #7ECF1C Primary Palette Legacy Energy Green RGB: 45, 130, 42 HEX: #2D822A Capstone Partners Only Pastel Sage RGB: 133, 154, 153 HEX: #859A99 Medium Grey RGB: 166, 183, 183 HEX: #A6B7B7 Medium Sage RGB: 66, 100, 97 HEX: #426461 Prosperous Sage RGB: 0, 45, 42 HEX: #002D2A Highlight Teal RGB: 58, 204, 223 HEX: #3ACCDF Deep Teal RGB: 13, 164, 187 HEX: #0DA4BB Capstone Blue RGB: 4, 30, 66 HEX: #041E42 Extended Palette Off - White RGB: 245, 245, 245 HEX: #7ECF1C Light Grey RGB: 200, 210, 210 HEX: #C8D2D2 Light Sage RGB: 99, 127, 125 HEX: #637F7D Deep Sage RGB: 33, 72, 70 HEX: #214846 Highlight Green RGB: 177, 238, 44 HEX: #B1EE2C Light Teal RGB: 121, 222, 226 HEX: #79DEE2 Light Magenta RGB: 221, 123, 223 HEX: #DD78DF Highlight Magenta RGB: 193, 22, 216 HEX: #C116D8 Deep Magenta RGB: 144, 5, 163 HEX: #9005A3 Dark Magenta RGB: 80, 16, 89 HEX: #501059 Pastel Grey RGB: 233, 236, 236 HEX: #E9ECEC Dark Teal RGB: 3, 79, 84 HEX: #034F54 2026 Third Quarter Earnings Review | • Includes Veritex , TCF, and Cadence purchase accounting impact Impact of Purchase Accounting Purchase Accounting Accretion (PAA) Summary Actual Projected ($ in millions) 3Q26 4Q26 FY27 FY28 After FY28 Loans and Leases $11 $16 $58 $57 $337 Deposits 1 -- -- -- -- Subtotal: Net Interest Income 12 16 58 57 337 Core Deposit Intangible (Noninterest Expense) (45) (45) (162) (142) (494) Purchase Accounting Pre - tax net impact $(33) $(29) $(103) $(85) $(157) 28
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Abundant Green RGB: 126, 207, 28 HEX: #7ECF1C Primary Palette Legacy Energy Green RGB: 45, 130, 42 HEX: #2D822A Capstone Partners Only Pastel Sage RGB: 133, 154, 153 HEX: #859A99 Medium Grey RGB: 166, 183, 183 HEX: #A6B7B7 Medium Sage RGB: 66, 100, 97 HEX: #426461 Prosperous Sage RGB: 0, 45, 42 HEX: #002D2A Highlight Teal RGB: 58, 204, 223 HEX: #3ACCDF Deep Teal RGB: 13, 164, 187 HEX: #0DA4BB Capstone Blue RGB: 4, 30, 66 HEX: #041E42 Extended Palette Off - White RGB: 245, 245, 245 HEX: #7ECF1C Light Grey RGB: 200, 210, 210 HEX: #C8D2D2 Light Sage RGB: 99, 127, 125 HEX: #637F7D Deep Sage RGB: 33, 72, 70 HEX: #214846 Highlight Green RGB: 177, 238, 44 HEX: #B1EE2C Light Teal RGB: 121, 222, 226 HEX: #79DEE2 Light Magenta RGB: 221, 123, 223 HEX: #DD78DF Highlight Magenta RGB: 193, 22, 216 HEX: #C116D8 Deep Magenta RGB: 144, 5, 163 HEX: #9005A3 Dark Magenta RGB: 80, 16, 89 HEX: #501059 Pastel Grey RGB: 233, 236, 236 HEX: #E9ECEC Dark Teal RGB: 3, 79, 84 HEX: #034F54 2026 Third Quarter Earnings Review | Estimated Preferred Dividends (1) Estimated preferred dividends based on projected interest rates for currently outstanding series of preferred shares ($ in millions) Actuals Projected 1 2Q26 3Q26 4Q26 1Q27 2Q27 3Q27 Dividends on Preferred Shares $41 $41 $41 $41 $41 $41 29
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Abundant Green RGB: 126, 207, 28 HEX: #7ECF1C Primary Palette Legacy Energy Green RGB: 45, 130, 42 HEX: #2D822A Capstone Partners Only Pastel Sage RGB: 133, 154, 153 HEX: #859A99 Medium Grey RGB: 166, 183, 183 HEX: #A6B7B7 Medium Sage RGB: 66, 100, 97 HEX: #426461 Prosperous Sage RGB: 0, 45, 42 HEX: #002D2A Highlight Teal RGB: 58, 204, 223 HEX: #3ACCDF Deep Teal RGB: 13, 164, 187 HEX: #0DA4BB Capstone Blue RGB: 4, 30, 66 HEX: #041E42 Extended Palette Off - White RGB: 245, 245, 245 HEX: #7ECF1C Light Grey RGB: 200, 210, 210 HEX: #C8D2D2 Light Sage RGB: 99, 127, 125 HEX: #637F7D Deep Sage RGB: 33, 72, 70 HEX: #214846 Highlight Green RGB: 177, 238, 44 HEX: #B1EE2C Light Teal RGB: 121, 222, 226 HEX: #79DEE2 Light Magenta RGB: 221, 123, 223 HEX: #DD78DF Highlight Magenta RGB: 193, 22, 216 HEX: #C116D8 Deep Magenta RGB: 144, 5, 163 HEX: #9005A3 Dark Magenta RGB: 80, 16, 89 HEX: #501059 Pastel Grey RGB: 233, 236, 236 HEX: #E9ECEC Dark Teal RGB: 3, 79, 84 HEX: #034F54 2026 Third Quarter Earnings Review | CRE Diversification by Property Type (3 Q26 ) CRE Loans as % of Total Loans • Well diversified portfolio with rigorous client selection • CRE reserve coverage 3.9 % vs. peer median 1 of 1.7 % (2Q26) – Office reserve coverage of 11% • Office portfolio at 1.4% of total loans, and predominately suburban and multi - tenant CRE – Office maturities (% by year): Commercial Real Estate (CRE) Overview Note: All stats EOP unless noted 1) Source company financials; Includes all peers: CFG, FITB, FHN, KEY, MTB, PNC, RF, TFC, USB, and ZION 30 Property Type ($ in billions) % of Total Loans Multifamily $6.0 3.2% Industrial 4.1 2.2% Retail 3.5 1.8% Office 2.7 1.4% Hotel 1.9 1.0% Other 4.5 2.3% Total CRE $22.7 11.9% 88.1% 11.9% CRE All Other 12% 22% 15% 51% FY26 FY27 FY28 FY29 and Beyond Portfolio Characteristics Loan Portfolio Composition (3 Q26 ) 10% 10% 10% 12% 12% 13% 15% 16% 17% 20% 21% 23% Peer 1 Peer 2 Peer 3 HBAN (3Q26) HBAN(2Q26) Peer 4 Peer 5 Peer 6 Peer 7 Peer 8 Peer 9 Peer 10 Peer Median: 15.7% Peers as of 2Q26
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Abundant Green RGB: 126, 207, 28 HEX: #7ECF1C Primary Palette Legacy Energy Green RGB: 45, 130, 42 HEX: #2D822A Capstone Partners Only Pastel Sage RGB: 133, 154, 153 HEX: #859A99 Medium Grey RGB: 166, 183, 183 HEX: #A6B7B7 Medium Sage RGB: 66, 100, 97 HEX: #426461 Prosperous Sage RGB: 0, 45, 42 HEX: #002D2A Highlight Teal RGB: 58, 204, 223 HEX: #3ACCDF Deep Teal RGB: 13, 164, 187 HEX: #0DA4BB Capstone Blue RGB: 4, 30, 66 HEX: #041E42 Extended Palette Off - White RGB: 245, 245, 245 HEX: #7ECF1C Light Grey RGB: 200, 210, 210 HEX: #C8D2D2 Light Sage RGB: 99, 127, 125 HEX: #637F7D Deep Sage RGB: 33, 72, 70 HEX: #214846 Highlight Green RGB: 177, 238, 44 HEX: #B1EE2C Light Teal RGB: 121, 222, 226 HEX: #79DEE2 Light Magenta RGB: 221, 123, 223 HEX: #DD78DF Highlight Magenta RGB: 193, 22, 216 HEX: #C116D8 Deep Magenta RGB: 144, 5, 163 HEX: #9005A3 Dark Magenta RGB: 80, 16, 89 HEX: #501059 Pastel Grey RGB: 233, 236, 236 HEX: #E9ECEC Dark Teal RGB: 3, 79, 84 HEX: #034F54 2026 Third Quarter Earnings Review | CRE | Low Concentration and Top Tier Reserve Coverage 31 1) Source: Company Filed Financials. Includes publicly listed US ‐ based banks with >$50B in assets as of 2Q26 if data was available for both the CRE concentration and CRE reserve ratio. Excludes BHC's primarily classified as card issuers. Top Quartile Concentration and Top Tier Reserve Coverage of Like - sized U.S. Regional Banks Includes U.S. Listed Banks over $50B in assets as of 6 /30/2026 1 CRE as % of Total Loans (2Q26) CRE Reserve Ratio (2Q26) CRE Reserve Ratio vs. CRE as % of Total Loans Banks as of 2Q26 HBAN (3Q26) HBAN (2Q26) Bank 1 Bank 2 Bank 3 Bank 4 Bank 5 Bank 6 Bank 7 Bank 8 Bank 9 Bank 10 Bank 11 Bank 12 Bank 13 Bank 14 Bank 15 Bank 16 Bank 17 Bank 18 Bank 19 Bank 20 Bank 21 Bank 22 Bank 23 Bank 24 Bank 25 Bank 26 Bank 27 Bank 28 0.0% 1.0% 2.0% 3.0% 4.0% 5.0% 0.0% 10.0% 20.0% 30.0% 40.0% 50.0% 60.0%
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Abundant Green RGB: 126, 207, 28 HEX: #7ECF1C Primary Palette Legacy Energy Green RGB: 45, 130, 42 HEX: #2D822A Capstone Partners Only Pastel Sage RGB: 133, 154, 153 HEX: #859A99 Medium Grey RGB: 166, 183, 183 HEX: #A6B7B7 Medium Sage RGB: 66, 100, 97 HEX: #426461 Prosperous Sage RGB: 0, 45, 42 HEX: #002D2A Highlight Teal RGB: 58, 204, 223 HEX: #3ACCDF Deep Teal RGB: 13, 164, 187 HEX: #0DA4BB Capstone Blue RGB: 4, 30, 66 HEX: #041E42 Extended Palette Off - White RGB: 245, 245, 245 HEX: #7ECF1C Light Grey RGB: 200, 210, 210 HEX: #C8D2D2 Light Sage RGB: 99, 127, 125 HEX: #637F7D Deep Sage RGB: 33, 72, 70 HEX: #214846 Highlight Green RGB: 177, 238, 44 HEX: #B1EE2C Light Teal RGB: 121, 222, 226 HEX: #79DEE2 Light Magenta RGB: 221, 123, 223 HEX: #DD78DF Highlight Magenta RGB: 193, 22, 216 HEX: #C116D8 Deep Magenta RGB: 144, 5, 163 HEX: #9005A3 Dark Magenta RGB: 80, 16, 89 HEX: #501059 Pastel Grey RGB: 233, 236, 236 HEX: #E9ECEC Dark Teal RGB: 3, 79, 84 HEX: #034F54 2026 Third Quarter Earnings Review | 1Q26 4Q25 3Q25 2Q25 1Q25 4Q24 3Q24 6 - month losses 0.06% 0.08% 0.08% 0.08% 0.05% 0.04% 0.05% 9 - month losses 0.21% 0.19% 0.21% 0.15% 0.12% 0.12% 12 - month losses 0.29% 0.35% 0.25% 0.19% 0.18% Auto – Production Trend 32 1) Annualized 3Q26 2Q26 1Q26 4Q25 3Q25 2Q25 1Q25 4Q24 3Q24 Amount ($ in billions) $1.7 $1.4 $1.7 $2.1 $2.5 $2.3 $2.0 $2.2 $2.4 % new vehicles 43% 40% 36% 39% 36% 35% 33% 36% 35% Avg. LTV 87% 88% 89% 89% 89% 89% 86% 87% 87% Avg. FICO 780 779 777 775 774 774 776 778 780 Originations Vintage Performance 1
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Abundant Green RGB: 126, 207, 28 HEX: #7ECF1C Primary Palette Legacy Energy Green RGB: 45, 130, 42 HEX: #2D822A Capstone Partners Only Pastel Sage RGB: 133, 154, 153 HEX: #859A99 Medium Grey RGB: 166, 183, 183 HEX: #A6B7B7 Medium Sage RGB: 66, 100, 97 HEX: #426461 Prosperous Sage RGB: 0, 45, 42 HEX: #002D2A Highlight Teal RGB: 58, 204, 223 HEX: #3ACCDF Deep Teal RGB: 13, 164, 187 HEX: #0DA4BB Capstone Blue RGB: 4, 30, 66 HEX: #041E42 Extended Palette Off - White RGB: 245, 245, 245 HEX: #7ECF1C Light Grey RGB: 200, 210, 210 HEX: #C8D2D2 Light Sage RGB: 99, 127, 125 HEX: #637F7D Deep Sage RGB: 33, 72, 70 HEX: #214846 Highlight Green RGB: 177, 238, 44 HEX: #B1EE2C Light Teal RGB: 121, 222, 226 HEX: #79DEE2 Light Magenta RGB: 221, 123, 223 HEX: #DD78DF Highlight Magenta RGB: 193, 22, 216 HEX: #C116D8 Deep Magenta RGB: 144, 5, 163 HEX: #9005A3 Dark Magenta RGB: 80, 16, 89 HEX: #501059 Pastel Grey RGB: 233, 236, 236 HEX: #E9ECEC Dark Teal RGB: 3, 79, 84 HEX: #034F54 2026 Third Quarter Earnings Review | $1.7 $1.4 $1.4 $1.9 $1.8 $1.8 $1.7 $1.8 $1.4 $1.2 $1.5 $1.1 $1.4 $1.2 $1.6 $2.1 $2.4 $2.2 $2.0 $2.3 $2.5 $2.1 $1.7 $1.4 $1.7 3.5% 3.3% 3.2% 3.1% 3.0% 2.8% 3.0% 3.8% 4.8% 5.9% 6.3% 6.9% 7.1% 7.2% 6.8% 6.8% 6.4% 6.1% 6.3% 6.2% 6.1% 5.8% 5.8% 5.9% 5.9% 3Q 4Q 1Q 2Q 3Q 4Q 1Q 2Q 3Q 4Q 1Q 2Q 3Q 4Q 1Q 2Q 3Q 4Q 1Q 2Q 3Q 4Q 1Q 2Q 3Q 2020 2021 2022 2023 2024 2025 2026 Indirect Auto Production ($B) and New Origination Yield Calibrating production to balance growth and returns Auto – Proven Track Record of Strategic Growth Scale and Expertise to Continuously Drive Shareholder Value Indirect Auto Production New Origination Yield Optimize through the Cycle 33 1) Dealer premium net yield reflects an updated 27 - month weighted average life assumption based on forward - looking Treasury projections (previously 25 months based on a five - year historical lookback). Prior periods have not been restated. 1
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Abundant Green RGB: 126, 207, 28 HEX: #7ECF1C Primary Palette Legacy Energy Green RGB: 45, 130, 42 HEX: #2D822A Capstone Partners Only Pastel Sage RGB: 133, 154, 153 HEX: #859A99 Medium Grey RGB: 166, 183, 183 HEX: #A6B7B7 Medium Sage RGB: 66, 100, 97 HEX: #426461 Prosperous Sage RGB: 0, 45, 42 HEX: #002D2A Highlight Teal RGB: 58, 204, 223 HEX: #3ACCDF Deep Teal RGB: 13, 164, 187 HEX: #0DA4BB Capstone Blue RGB: 4, 30, 66 HEX: #041E42 Extended Palette Off - White RGB: 245, 245, 245 HEX: #7ECF1C Light Grey RGB: 200, 210, 210 HEX: #C8D2D2 Light Sage RGB: 99, 127, 125 HEX: #637F7D Deep Sage RGB: 33, 72, 70 HEX: #214846 Highlight Green RGB: 177, 238, 44 HEX: #B1EE2C Light Teal RGB: 121, 222, 226 HEX: #79DEE2 Light Magenta RGB: 221, 123, 223 HEX: #DD78DF Highlight Magenta RGB: 193, 22, 216 HEX: #C116D8 Deep Magenta RGB: 144, 5, 163 HEX: #9005A3 Dark Magenta RGB: 80, 16, 89 HEX: #501059 Pastel Grey RGB: 233, 236, 236 HEX: #E9ECEC Dark Teal RGB: 3, 79, 84 HEX: #034F54 2026 Third Quarter Earnings Review | Auto | Strong Credit Performance Through the Cycle 34 1) 2Q26 data includes peers with auto portfolios >$1B as of 6/30/2026. Prior period numbers kept consistent with prior report ing Extensive Industry Knowledge with Emphasis on Super - Prime Consumers $9.5 $11.0 $12.2 $12.5 $12.9 $12.9 $13.6 $13.2 $12.5 $14.6 $16.2 $16.0 $15.5 $15.4 18.8% 16.4% 17.5% 16.7% 17.1% 15.8% 12.1% 11.0% 10.2% 11.2% 10.8% 8.4% 8.2% 8.0% 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1Q26 2Q26 3Q26 Auto % of Total Loans 764 765 767 766 772 775 772 777 779 781 781 777 779 780 396 396 409 409 410 411 411 412 412 415 415 411 413 414 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1Q26 2Q26 3Q26 Avg Custom Score Average FICO and Custom Score Auto Loans and % of Total Loans (EOP)($B) NCOs vs. Peer Group (bps) 1 30 44 54 68 77 56 14 27 52 42 33 33 21 24 30 36 27 26 26 - 5 5 16 26 29 38 32 41 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1Q26 2Q26 3Q26 Peer Median HBAN Auto Loans Strong Credit Quality • Industry knowledge and focus on rigorous customer selection drives outperformance of NCOs • Auto loans as a percent of total loans has stabilized since 2022 Deep Industry Expertise • 75+ years of experience; consistent underwriting strategy Robust Customer Selection • Super - Prime with average FICO of 779 • Proprietary custom scorecard enhances predictive modeling Highlights Avg. FICO
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Abundant Green RGB: 126, 207, 28 HEX: #7ECF1C Primary Palette Legacy Energy Green RGB: 45, 130, 42 HEX: #2D822A Capstone Partners Only Pastel Sage RGB: 133, 154, 153 HEX: #859A99 Medium Grey RGB: 166, 183, 183 HEX: #A6B7B7 Medium Sage RGB: 66, 100, 97 HEX: #426461 Prosperous Sage RGB: 0, 45, 42 HEX: #002D2A Highlight Teal RGB: 58, 204, 223 HEX: #3ACCDF Deep Teal RGB: 13, 164, 187 HEX: #0DA4BB Capstone Blue RGB: 4, 30, 66 HEX: #041E42 Extended Palette Off - White RGB: 245, 245, 245 HEX: #7ECF1C Light Grey RGB: 200, 210, 210 HEX: #C8D2D2 Light Sage RGB: 99, 127, 125 HEX: #637F7D Deep Sage RGB: 33, 72, 70 HEX: #214846 Highlight Green RGB: 177, 238, 44 HEX: #B1EE2C Light Teal RGB: 121, 222, 226 HEX: #79DEE2 Light Magenta RGB: 221, 123, 223 HEX: #DD78DF Highlight Magenta RGB: 193, 22, 216 HEX: #C116D8 Deep Magenta RGB: 144, 5, 163 HEX: #9005A3 Dark Magenta RGB: 80, 16, 89 HEX: #501059 Pastel Grey RGB: 233, 236, 236 HEX: #E9ECEC Dark Teal RGB: 3, 79, 84 HEX: #034F54 2026 Third Quarter Earnings Review | 2026 YTD 2025 2024 2023 2022 2021 2020 Originations 3 ($ in billions) $3.0 $4.2 $3.9 $3.6 $4.4 $3.9 $3.8 Avg. LTV 63% 64% 64% 65% 66% 67% 68% Avg. FICO 782 779 777 775 776 783 784 2026 YTD 2025 2024 2023 2022 2021 2020 Originations ($ in billions) $2.7 $3.0 $3.0 $3.4 $5.4 $6.6 $4.7 Avg. LTV 84% 85% 87% 85% 81% 76% 77% Avg. FICO 766 764 763 765 765 768 767 Consumer Finance Trends 35 1) RV/Marine LTV based on wholesale value 2) Excludes Cadence and Veritex originations prior to systems conversions. 3) Originations are based on commitment amounts Residential Mortgage Residential Mortgage 2 2026 YTD 2025 2024 2023 2022 2021 2020 Originations ($ in billions) $1.1 $1.0 $1.2 $1.6 $1.5 $1.7 $1.6 Avg. LTV 1 94% 93% 95% 96% 104% 111% 108% Avg. FICO 804 809 813 810 813 807 808 Residential Mortgage RV and Marine Residential Mortgage Home Equity 2
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Abundant Green RGB: 126, 207, 28 HEX: #7ECF1C Primary Palette Legacy Energy Green RGB: 45, 130, 42 HEX: #2D822A Capstone Partners Only Pastel Sage RGB: 133, 154, 153 HEX: #859A99 Medium Grey RGB: 166, 183, 183 HEX: #A6B7B7 Medium Sage RGB: 66, 100, 97 HEX: #426461 Prosperous Sage RGB: 0, 45, 42 HEX: #002D2A Highlight Teal RGB: 58, 204, 223 HEX: #3ACCDF Deep Teal RGB: 13, 164, 187 HEX: #0DA4BB Capstone Blue RGB: 4, 30, 66 HEX: #041E42 Extended Palette Off - White RGB: 245, 245, 245 HEX: #7ECF1C Light Grey RGB: 200, 210, 210 HEX: #C8D2D2 Light Sage RGB: 99, 127, 125 HEX: #637F7D Deep Sage RGB: 33, 72, 70 HEX: #214846 Highlight Green RGB: 177, 238, 44 HEX: #B1EE2C Light Teal RGB: 121, 222, 226 HEX: #79DEE2 Light Magenta RGB: 221, 123, 223 HEX: #DD78DF Highlight Magenta RGB: 193, 22, 216 HEX: #C116D8 Deep Magenta RGB: 144, 5, 163 HEX: #9005A3 Dark Magenta RGB: 80, 16, 89 HEX: #501059 Pastel Grey RGB: 233, 236, 236 HEX: #E9ECEC Dark Teal RGB: 3, 79, 84 HEX: #034F54 2026 Third Quarter Earnings Review | NDFI Lending Portfolio 36 3Q26 Private Equity 3 3% of total loans Other 4 3% of total loans Mortgage Credit 1 2% of total loans Business/Consumer Credit 2 2% of total loans Loan Portfolio Composition $19.9B, 10% of total loans Highlights Other: REITS/Insurance • $4.4B in investment - grade REITs with diversified collateral and stable cash flows • Remaining made up primarily of insurance carriers, broker dealers, family offices, and wealth management firms Private Equity: • Funds Finance ($4.7B) subscription lines secured by investor commitments • Private credit funds are almost entirely closed - end with no redemption exposure Mortgage Credit • Stable structured lending to mortgage credit intermediaries • Secured by real estate Business/Consumer Credit • $3.5B business credit intermediaries with primarily collateral based lending • $0.7B primarily in auto and credit card ABS 1) Represents M.10.a in the Call Report. 2) Represents M.10.b and M.10.d in the Call Report. 3) Represents M.10.c in the Call Re port. 4) Represents M.10.e in the Call Report
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Abundant Green RGB: 126, 207, 28 HEX: #7ECF1C Primary Palette Legacy Energy Green RGB: 45, 130, 42 HEX: #2D822A Capstone Partners Only Pastel Sage RGB: 133, 154, 153 HEX: #859A99 Medium Grey RGB: 166, 183, 183 HEX: #A6B7B7 Medium Sage RGB: 66, 100, 97 HEX: #426461 Prosperous Sage RGB: 0, 45, 42 HEX: #002D2A Highlight Teal RGB: 58, 204, 223 HEX: #3ACCDF Deep Teal RGB: 13, 164, 187 HEX: #0DA4BB Capstone Blue RGB: 4, 30, 66 HEX: #041E42 Extended Palette Off - White RGB: 245, 245, 245 HEX: #7ECF1C Light Grey RGB: 200, 210, 210 HEX: #C8D2D2 Light Sage RGB: 99, 127, 125 HEX: #637F7D Deep Sage RGB: 33, 72, 70 HEX: #214846 Highlight Green RGB: 177, 238, 44 HEX: #B1EE2C Light Teal RGB: 121, 222, 226 HEX: #79DEE2 Light Magenta RGB: 221, 123, 223 HEX: #DD78DF Highlight Magenta RGB: 193, 22, 216 HEX: #C116D8 Deep Magenta RGB: 144, 5, 163 HEX: #9005A3 Dark Magenta RGB: 80, 16, 89 HEX: #501059 Pastel Grey RGB: 233, 236, 236 HEX: #E9ECEC Dark Teal RGB: 3, 79, 84 HEX: #034F54 2026 Third Quarter Earnings Review | High Quality, Granular Deposit Franchise 37 Note: Bank data as of 2Q26. Source: Company’s 2026 Form 10 - Q or Bank Call Report depending on data availability | Publicly trade d US - based banks with >$100 billion in deposits and all peers (excludes banks primarily classified as card banks) 69% 68% 62% 61% 60% 59% 58% 58% 55% 55% 55% 55% 53% 52% 50% 48% 36% HBAN (2Q26) HBAN (3Q26) Bank 1 Bank 2 Bank 3 Bank 4 Bank 5 BAC Bank 6 Bank 7 Bank 8 Bank 9 Bank 10 C WFC Bank 11 JPM Leading Percent of Insured Deposits Banks at 2Q26
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Abundant Green RGB: 126, 207, 28 HEX: #7ECF1C Primary Palette Legacy Energy Green RGB: 45, 130, 42 HEX: #2D822A Capstone Partners Only Pastel Sage RGB: 133, 154, 153 HEX: #859A99 Medium Grey RGB: 166, 183, 183 HEX: #A6B7B7 Medium Sage RGB: 66, 100, 97 HEX: #426461 Prosperous Sage RGB: 0, 45, 42 HEX: #002D2A Highlight Teal RGB: 58, 204, 223 HEX: #3ACCDF Deep Teal RGB: 13, 164, 187 HEX: #0DA4BB Capstone Blue RGB: 4, 30, 66 HEX: #041E42 Extended Palette Off - White RGB: 245, 245, 245 HEX: #7ECF1C Light Grey RGB: 200, 210, 210 HEX: #C8D2D2 Light Sage RGB: 99, 127, 125 HEX: #637F7D Deep Sage RGB: 33, 72, 70 HEX: #214846 Highlight Green RGB: 177, 238, 44 HEX: #B1EE2C Light Teal RGB: 121, 222, 226 HEX: #79DEE2 Light Magenta RGB: 221, 123, 223 HEX: #DD78DF Highlight Magenta RGB: 193, 22, 216 HEX: #C116D8 Deep Magenta RGB: 144, 5, 163 HEX: #9005A3 Dark Magenta RGB: 80, 16, 89 HEX: #501059 Pastel Grey RGB: 233, 236, 236 HEX: #E9ECEC Dark Teal RGB: 3, 79, 84 HEX: #034F54 2026 Third Quarter Earnings Review | Cash + Borrowing Capacity as a % of Uninsured Deposits (1)(2) Robust Level of Available Liquidity 1 Highlights ($ in billions) Diversified Sources of Liquidity 38 (1) Cash equals cash and cash equivalents, end of period balances. Coverage includes Contingent Capacity at Federal Reserve & FHLB + Cash & Equivalents. Based on estimated uninsured deposits as of 6/30/2026 (2) Source: S&P Global & Company Documents – Includes all peers: CFG, FITB, FHN, KEY, MTB, PNC, RF, TFC, USB, ZION Contingent Borrowing Capacity (FHLB & FRB) Cash • Peer leading available liquidity as a percent of uninsured deposits highlighting the proactive approach to liquidity risk management and strength of our granular deposit base • As of 9/30, cash and available liquidity total of $125 billion 172% 175% 122% 118% 111% 96% 92% 88% 78% 75% 75% 55% HBAN (2Q26) HBAN (3Q26) Peer 1 Peer 2 Peer 3 Peer 4 Peer 5 Peer 6 Peer 7 Peer 8 Peer 9 Peer 10 Peer Median: 90 % $87 $88 $99 $104 $108 $13 $13 $19 $15 $17 $100 $101 $118 $119 $125 9/30 12/31 3/31 6/30 9/30 Peer data as of 2Q26
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Abundant Green RGB: 126, 207, 28 HEX: #7ECF1C Primary Palette Legacy Energy Green RGB: 45, 130, 42 HEX: #2D822A Capstone Partners Only Pastel Sage RGB: 133, 154, 153 HEX: #859A99 Medium Grey RGB: 166, 183, 183 HEX: #A6B7B7 Medium Sage RGB: 66, 100, 97 HEX: #426461 Prosperous Sage RGB: 0, 45, 42 HEX: #002D2A Highlight Teal RGB: 58, 204, 223 HEX: #3ACCDF Deep Teal RGB: 13, 164, 187 HEX: #0DA4BB Capstone Blue RGB: 4, 30, 66 HEX: #041E42 Extended Palette Off - White RGB: 245, 245, 245 HEX: #7ECF1C Light Grey RGB: 200, 210, 210 HEX: #C8D2D2 Light Sage RGB: 99, 127, 125 HEX: #637F7D Deep Sage RGB: 33, 72, 70 HEX: #214846 Highlight Green RGB: 177, 238, 44 HEX: #B1EE2C Light Teal RGB: 121, 222, 226 HEX: #79DEE2 Light Magenta RGB: 221, 123, 223 HEX: #DD78DF Highlight Magenta RGB: 193, 22, 216 HEX: #C116D8 Deep Magenta RGB: 144, 5, 163 HEX: #9005A3 Dark Magenta RGB: 80, 16, 89 HEX: #501059 Pastel Grey RGB: 233, 236, 236 HEX: #E9ECEC Dark Teal RGB: 3, 79, 84 HEX: #034F54 2026 Third Quarter Earnings Review | $44.1 $42.7 $47.9 $51.2 $50.9 $13.0 $13.4 $17.1 $18.6 $16.3 $57.1 $56.1 $65.0 $69.8 $67.2 3Q25 4Q25 1Q26 2Q26 3Q26 Dynamically Optimizing the Securities Portfolio 39 1) Cash equals cash and cash equivalents; total securities inclusive of trading account securities Sec + Cash % Assets (ADB) 27% 25% 25% 25% 24% Cash Securities • Securities yields of 3.59% increased 12bp QoQ • 29% of portfolio classified as HTM to protect capital • AFS portfolio hedged with pay fixed swaps; reduces duration risk / capital and liquidity • Portfolio duration, net of hedging, is 3.3 years, decrease of 21% YoY Securities + Cash 1 Average Highlights 66% 21% 9% 4% Securities Portfolio Composition (EOP) Agency Debt & Agency MBS US Treasuries Munis Other
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Abundant Green RGB: 126, 207, 28 HEX: #7ECF1C Primary Palette Legacy Energy Green RGB: 45, 130, 42 HEX: #2D822A Capstone Partners Only Pastel Sage RGB: 133, 154, 153 HEX: #859A99 Medium Grey RGB: 166, 183, 183 HEX: #A6B7B7 Medium Sage RGB: 66, 100, 97 HEX: #426461 Prosperous Sage RGB: 0, 45, 42 HEX: #002D2A Highlight Teal RGB: 58, 204, 223 HEX: #3ACCDF Deep Teal RGB: 13, 164, 187 HEX: #0DA4BB Capstone Blue RGB: 4, 30, 66 HEX: #041E42 Extended Palette Off - White RGB: 245, 245, 245 HEX: #7ECF1C Light Grey RGB: 200, 210, 210 HEX: #C8D2D2 Light Sage RGB: 99, 127, 125 HEX: #637F7D Deep Sage RGB: 33, 72, 70 HEX: #214846 Highlight Green RGB: 177, 238, 44 HEX: #B1EE2C Light Teal RGB: 121, 222, 226 HEX: #79DEE2 Light Magenta RGB: 221, 123, 223 HEX: #DD78DF Highlight Magenta RGB: 193, 22, 216 HEX: #C116D8 Deep Magenta RGB: 144, 5, 163 HEX: #9005A3 Dark Magenta RGB: 80, 16, 89 HEX: #501059 Pastel Grey RGB: 233, 236, 236 HEX: #E9ECEC Dark Teal RGB: 3, 79, 84 HEX: #034F54 2026 Third Quarter Earnings Review | Accumulated Other Comprehensive Income Dollars 40 1) AOCI burndown assumptions based on implied market rates at 9/30/2026; Accumulated other comprehensive loss in the chart represents cumulative AOCI related to available - for - sale securities, fair value hedges, cash flow hedges on loan portfolio, translation adjustments, and unrealized gain/loss from pension and post - retirement obligations $3.6 $2.2 $3.0 $2.9 $2.4 3Q23 2Q26 3Q26 YE26 YE27 $ in billions. Excludes Other Securities; pre - tax 18% AOCI Recaptured 3Q26 vs. 3Q23 3% 18% Projected AOCI Burndown vs. 3Q26 Peak AOCI Loss • Projecting ~3% total AOCI accretion by YE26 vs. 3Q26 level • Dynamically managing hedge position subject to risk profile and market conditions Securities (cost) Gross Unrealized gain / (loss) Hedge FV (unallocated) Net FV Impact AFS $38.2 ($3.5) $0.5 ($3.0) HTM $14.7 ($2.3) - ($2.3) Total $52.9 ($5.8) $0.5 ($5.3) AOCI Outlook 1 Highlights Components of Fair Value (FV) Mark on Investment Securities (3Q26) $ in billions
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Abundant Green RGB: 126, 207, 28 HEX: #7ECF1C Primary Palette Legacy Energy Green RGB: 45, 130, 42 HEX: #2D822A Capstone Partners Only Pastel Sage RGB: 133, 154, 153 HEX: #859A99 Medium Grey RGB: 166, 183, 183 HEX: #A6B7B7 Medium Sage RGB: 66, 100, 97 HEX: #426461 Prosperous Sage RGB: 0, 45, 42 HEX: #002D2A Highlight Teal RGB: 58, 204, 223 HEX: #3ACCDF Deep Teal RGB: 13, 164, 187 HEX: #0DA4BB Capstone Blue RGB: 4, 30, 66 HEX: #041E42 Extended Palette Off - White RGB: 245, 245, 245 HEX: #7ECF1C Light Grey RGB: 200, 210, 210 HEX: #C8D2D2 Light Sage RGB: 99, 127, 125 HEX: #637F7D Deep Sage RGB: 33, 72, 70 HEX: #214846 Highlight Green RGB: 177, 238, 44 HEX: #B1EE2C Light Teal RGB: 121, 222, 226 HEX: #79DEE2 Light Magenta RGB: 221, 123, 223 HEX: #DD78DF Highlight Magenta RGB: 193, 22, 216 HEX: #C116D8 Deep Magenta RGB: 144, 5, 163 HEX: #9005A3 Dark Magenta RGB: 80, 16, 89 HEX: #501059 Pastel Grey RGB: 233, 236, 236 HEX: #E9ECEC Dark Teal RGB: 3, 79, 84 HEX: #034F54 2026 Third Quarter Earnings Review | Hedging Balance Update 41 Program Notional Effective Weighted Avg Rate (%) WAL (Years) PF Swaps $5.6 $1.5 3.36 10.67 Total PF Swaps $5.6 $1.5 10.67 RF Swaps $31.3 $26.2 3.30 2.29 Floor Spreads $5.0 $5.0 2.65 / 3.75 2.66 Total RF Swaps & Floor Spreads $36.3 $31.2 2.34 Hedging Balance Update (as of 9/30/2026)
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Abundant Green RGB: 126, 207, 28 HEX: #7ECF1C Primary Palette Legacy Energy Green RGB: 45, 130, 42 HEX: #2D822A Capstone Partners Only Pastel Sage RGB: 133, 154, 153 HEX: #859A99 Medium Grey RGB: 166, 183, 183 HEX: #A6B7B7 Medium Sage RGB: 66, 100, 97 HEX: #426461 Prosperous Sage RGB: 0, 45, 42 HEX: #002D2A Highlight Teal RGB: 58, 204, 223 HEX: #3ACCDF Deep Teal RGB: 13, 164, 187 HEX: #0DA4BB Capstone Blue RGB: 4, 30, 66 HEX: #041E42 Extended Palette Off - White RGB: 245, 245, 245 HEX: #7ECF1C Light Grey RGB: 200, 210, 210 HEX: #C8D2D2 Light Sage RGB: 99, 127, 125 HEX: #637F7D Deep Sage RGB: 33, 72, 70 HEX: #214846 Highlight Green RGB: 177, 238, 44 HEX: #B1EE2C Light Teal RGB: 121, 222, 226 HEX: #79DEE2 Light Magenta RGB: 221, 123, 223 HEX: #DD78DF Highlight Magenta RGB: 193, 22, 216 HEX: #C116D8 Deep Magenta RGB: 144, 5, 163 HEX: #9005A3 Dark Magenta RGB: 80, 16, 89 HEX: #501059 Pastel Grey RGB: 233, 236, 236 HEX: #E9ECEC Dark Teal RGB: 3, 79, 84 HEX: #034F54 2026 Third Quarter Earnings Review | - 1.6% - 0.5% - 0.7% - 0.5% - 0.6% - 0.5% - 1.0% - 0.7% +1.4% +0.8% +0.6% +0.4% +0.9% +1.3% +1.4% +0.7% 3Q24 4Q24 2Q25 3Q25 4Q25 1Q26 2Q26 3Q26 Positioning the Balance Sheet for Range of Rate Scenarios 42 1) Shown current position as o f 09/30/26 with projection of effective swaps through 2Q27 Capital protection in higher rate scenario NIM protection in lower rate scenario Objectives Mgmt Strategy - 100 Ramp +100 Ramp Net Interest Income (NII) Impact in 12Mo Rate Ramp Scenarios Future Effective Swap Profile Hedging Program Profile – Effective Swaps 1 (8.0) (4.1) (4.0) (1.5) (1.5) (1.5) (1.6) (1.7) (2.4) $23.4 $25.9 $26.4 $26.1 $26.1 $26.1 $27.1 $28.2 $25.7 $6.0 $6.0 $6.8 $7.2 $5.0 $5.0 $5.0 $5.0 $5.0 2Q25 3Q25 4Q25 1Q26 2Q26 3Q26 4Q26 1Q27 2Q27 Floor Spreads Receive Fixed Swaps Pay Fixed Swaps Maintaining asset sensitivity at near neutrality Natural expansion of asset sensitivity in the medium term absent further hedging actions
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Abundant Green RGB: 126, 207, 28 HEX: #7ECF1C Primary Palette Legacy Energy Green RGB: 45, 130, 42 HEX: #2D822A Capstone Partners Only Pastel Sage RGB: 133, 154, 153 HEX: #859A99 Medium Grey RGB: 166, 183, 183 HEX: #A6B7B7 Medium Sage RGB: 66, 100, 97 HEX: #426461 Prosperous Sage RGB: 0, 45, 42 HEX: #002D2A Highlight Teal RGB: 58, 204, 223 HEX: #3ACCDF Deep Teal RGB: 13, 164, 187 HEX: #0DA4BB Capstone Blue RGB: 4, 30, 66 HEX: #041E42 Extended Palette Off - White RGB: 245, 245, 245 HEX: #7ECF1C Light Grey RGB: 200, 210, 210 HEX: #C8D2D2 Light Sage RGB: 99, 127, 125 HEX: #637F7D Deep Sage RGB: 33, 72, 70 HEX: #214846 Highlight Green RGB: 177, 238, 44 HEX: #B1EE2C Light Teal RGB: 121, 222, 226 HEX: #79DEE2 Light Magenta RGB: 221, 123, 223 HEX: #DD78DF Highlight Magenta RGB: 193, 22, 216 HEX: #C116D8 Deep Magenta RGB: 144, 5, 163 HEX: #9005A3 Dark Magenta RGB: 80, 16, 89 HEX: #501059 Pastel Grey RGB: 233, 236, 236 HEX: #E9ECEC Dark Teal RGB: 3, 79, 84 HEX: #034F54 2026 Third Quarter Earnings Review | 0.20% 0.19% 0.21% 0.18% 0.18% 0.28% 0.28% 0.20% 0.19% 0.21% 0.29% 0.33% 0.30% 3Q23 4Q23 1Q24 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25 1Q26 2Q26 3Q26 Commercial Delinquencies 43 1) End of period; delinquent but accruing as a % of related outstanding's at end of period Commercial (90+ Days 1 ) 0.01% 0.01% 0.01% 0.01% 0.03% 0.02% 0.01% 0.02% 0.01% 0.01% 0.01% 0.01% 0.00% 3Q23 4Q23 1Q24 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25 1Q26 2Q26 3Q26 Commercial (30+ Days 1 )
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Abundant Green RGB: 126, 207, 28 HEX: #7ECF1C Primary Palette Legacy Energy Green RGB: 45, 130, 42 HEX: #2D822A Capstone Partners Only Pastel Sage RGB: 133, 154, 153 HEX: #859A99 Medium Grey RGB: 166, 183, 183 HEX: #A6B7B7 Medium Sage RGB: 66, 100, 97 HEX: #426461 Prosperous Sage RGB: 0, 45, 42 HEX: #002D2A Highlight Teal RGB: 58, 204, 223 HEX: #3ACCDF Deep Teal RGB: 13, 164, 187 HEX: #0DA4BB Capstone Blue RGB: 4, 30, 66 HEX: #041E42 Extended Palette Off - White RGB: 245, 245, 245 HEX: #7ECF1C Light Grey RGB: 200, 210, 210 HEX: #C8D2D2 Light Sage RGB: 99, 127, 125 HEX: #637F7D Deep Sage RGB: 33, 72, 70 HEX: #214846 Highlight Green RGB: 177, 238, 44 HEX: #B1EE2C Light Teal RGB: 121, 222, 226 HEX: #79DEE2 Light Magenta RGB: 221, 123, 223 HEX: #DD78DF Highlight Magenta RGB: 193, 22, 216 HEX: #C116D8 Deep Magenta RGB: 144, 5, 163 HEX: #9005A3 Dark Magenta RGB: 80, 16, 89 HEX: #501059 Pastel Grey RGB: 233, 236, 236 HEX: #E9ECEC Dark Teal RGB: 3, 79, 84 HEX: #034F54 2026 Third Quarter Earnings Review | Consumer Delinquencies 44 1) End of period; delinquent but accruing as a % of related outstanding's at end of period 1.74% 1.80% 1.72% 1.75% 1.76% 1.92% 1.96% 2.04% 1.93% 2.18% 2.32% 2.90% 2.89% 1.21% 1.31% 1.19% 1.25% 1.27% 1.38% 1.30% 1.35% 1.33% 1.47% 1.65% 1.95% 1.95% 0.86% 0.96% 0.79% 0.87% 0.92% 1.07% 0.86% 0.88% 0.96% 1.11% 1.06% 1.09% 1.08% 0.92% 1.09% 0.91% 1.01% 1.01% 1.02% 0.85% 0.96% 0.92% 0.82% 1.04% 1.21% 1.14% 3Q23 4Q23 1Q24 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25 1Q26 2Q26 3Q26 Residential Mortgage Total Consumer Automobile Home Equity 0.53% 0.62% 0.62% 0.57% 0.68% 0.77% 0.73% 0.77% 0.76% 0.92% 1.08% 1.18% 1.26% 0.29% 0.34% 0.33% 0.30% 0.36% 0.40% 0.37% 0.38% 0.39% 0.45% 0.59% 0.63% 0.69% 0.18% 0.21% 0.17% 0.18% 0.19% 0.19% 0.17% 0.17% 0.19% 0.13% 0.18% 0.20% 0.23% 0.06% 0.07% 0.06% 0.06% 0.07% 0.08% 0.06% 0.06% 0.07% 0.09% 0.08% 0.08% 0.10% 3Q23 4Q23 1Q24 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25 1Q26 2Q26 3Q26 Residential Mortgage Total Consumer Home Equity Automobile Consumer (30+ Days 1 ) Consumer (90+ Days 1 )
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Abundant Green RGB: 126, 207, 28 HEX: #7ECF1C Primary Palette Legacy Energy Green RGB: 45, 130, 42 HEX: #2D822A Capstone Partners Only Pastel Sage RGB: 133, 154, 153 HEX: #859A99 Medium Grey RGB: 166, 183, 183 HEX: #A6B7B7 Medium Sage RGB: 66, 100, 97 HEX: #426461 Prosperous Sage RGB: 0, 45, 42 HEX: #002D2A Highlight Teal RGB: 58, 204, 223 HEX: #3ACCDF Deep Teal RGB: 13, 164, 187 HEX: #0DA4BB Capstone Blue RGB: 4, 30, 66 HEX: #041E42 Extended Palette Off - White RGB: 245, 245, 245 HEX: #7ECF1C Light Grey RGB: 200, 210, 210 HEX: #C8D2D2 Light Sage RGB: 99, 127, 125 HEX: #637F7D Deep Sage RGB: 33, 72, 70 HEX: #214846 Highlight Green RGB: 177, 238, 44 HEX: #B1EE2C Light Teal RGB: 121, 222, 226 HEX: #79DEE2 Light Magenta RGB: 221, 123, 223 HEX: #DD78DF Highlight Magenta RGB: 193, 22, 216 HEX: #C116D8 Deep Magenta RGB: 144, 5, 163 HEX: #9005A3 Dark Magenta RGB: 80, 16, 89 HEX: #501059 Pastel Grey RGB: 233, 236, 236 HEX: #E9ECEC Dark Teal RGB: 3, 79, 84 HEX: #034F54 2026 Third Quarter Earnings Review | ($ in millions) 3Q26 2Q26 1Q26 4Q25 3Q25 Criticized beginning - of - period $6,974 $7,353 $5,720 $4,702 $4,650 Additions / increases 1,792 566 731 721 1,058 Advances 440 632 236 204 169 Upgrades to “Pass” (391) (508) (184) (319) (437) Paydowns (1,560) (894) (789) (862) (664) Charge - offs (106) (80) (65) (64) (70) Moved to HFS - (95) (3) (3) (3) Cadence/Veritex - - 1,706 1,338 - Criticized end - of - period $7,149 $6,974 $7,353 $5,720 $4,702 Percent change (Q/Q) 3% - 5% 29% 22% 1% Criticized Commercial Loan Analysis End of Period 45