Revenue: As of FY2025, the actual value is USD 8.166 B.

EPS: As of FY2025, the actual value is USD 1.39.

EBIT: As of FY2025, the actual value is USD 7.007 B.

The provided reference primarily details consolidated financial performance and general descriptions of business segments, rather than specific financial or operational metrics broken down by segment within the Management’s Discussion and Analysis (MD&A) section. The detailed segment reporting is indicated to be in Note 25, which is not included in the provided text.

Consolidated Operational Metrics (Year Ended December 31, 2025 vs. 2024)

• Net Income Attributable to Huntington Bancshares Incorporated Depositary Shs Repr 5.7% ¹⁄₁’000th Non-Cum Red Perp Pfd Shs Series I: Increased to $2,211 million in 2025, up 14% from $1,940 million in 2024.
• Net Income Applicable to Common Shares: Rose to $2,087 million in 2025, a 16% increase from $1,801 million in 2024.
• Net Interest Income: Grew by 12% to $5,991 million in 2025 from $5,345 million in 2024.
• FTE Net Interest Income (Non-GAAP): Increased by 12% to $6,056 million in 2025 from $5,398 million in 2024.
• Provision for Credit Losses: Increased 10% to $463 million in 2025 from $420 million in 2024.
• Noninterest Income: Rose 7% to $2,175 million in 2025 from $2,040 million in 2024.
• Noninterest Expense: Increased 10% to $5,015 million in 2025 from $4,562 million in 2024, including $168 million in acquisition-related expenses.

Consolidated Balance Sheet Highlights (as of December 31, 2025 vs. 2024)

• Total Assets: Increased 10% to $225.1 billion in 2025 from $204.2 billion in 2024.
• Total Liabilities: Increased 9% to $200.7 billion in 2025 from $184.4 billion in 2024.
• Allowance for Credit Losses (ACL): Stood at $2.7 billion, representing 1.83% of total loans and leases, compared to $2.4 billion (1.88% of total loans and leases) in 2024.
• Tangible Common Equity to Tangible Assets Ratio: Increased to 7.1% in 2025 from 6.1% in 2024.
• CET1 Risk-Based Capital Ratio: Decreased slightly to 10.4% in 2025 from 10.5% in 2024.

Loan Portfolio Overview (Average Balances, Year Ended December 31, 2025 vs. 2024)

• Total Loans and Leases: Increased 10% to $136,687 million in 2025 from $124,503 million in 2024.
• Commercial Loans and Leases: Grew 13% to $78,645 million in 2025 from $69,551 million in 2024.
• Consumer Loans and Leases: Increased 6% to $58,042 million in 2025 from $54,952 million in 2024.

Acquisitions

• Veritex Holdings, Inc. Acquisition: Completed on October 20, 2025, valued at $1.7 billion, adding $12.0 billion in assets, $9.3 billion in loans, and $10.5 billion in deposits.
• Cadence Bank Acquisition: Completed on February 1, 2026, valued at approximately $8.1 billion, with Cadence having $54 billion in assets, $37 billion in loans, and $44 billion in deposits as of December 31, 2025.

Outlook / Guidance

The economic outlook has improved due to anticipated government spending initiatives and tax provisions in early 2026, which has led many economists to reduce their assessed probability for a recession in 2026. Huntington Bancshares Incorporated Depositary Shs Repr 5.7% ¹⁄₁’000th Non-Cum Red Perp Pfd Shs Series I is expected to become a Category III banking organization in Q4 2026 following the Cadence acquisition, subjecting it to additional enhanced prudential standards. If finalized, proposed long-term debt requirements would necessitate maintaining minimum eligible long-term debt amounts, with compliance phased in over three years.