Huntington Bancshares Incorporated Hosts Investor Day with Key Presentations

Huntington Bancshares Incorporated (NASDAQ: HBAN) announced the hosting of its Investor Day on Thursday, February 6, 2025. The event featured presentations from Chairman, President, and CEO Stephen Steinour, along with other members of the management team. The company shared its strategic outlook and business updates during the event.

A copy of the presentation slides discussed during the Investor Day is attached as Exhibit 99.1 and is also available on Huntington’s Investor Relations website at [www.huntington.com](http://www.huntington.com).

The presentation materials are being furnished under Regulation FD and are not intended to be "filed" under the Securities Exchange Act of 1934. The company clarifies that these materials will not be incorporated by reference in any future filings unless explicitly stated.

Huntington Bancshares Incorporated has announced that its Board of Directors declared quarterly cash dividends on both its common and preferred stocks. The details of the dividends are as follows:

### Common Stock
- **Dividend Amount**: $0.155 per share
- **Payment Date**: April 1, 2025
- **Record Date**: March 18, 2025

### Preferred Stock
1. **Floating Rate Series B Non-Cumulative Perpetual Preferred Stock**
- **Dividend**: $18.15897183 per share ($0.453974296 per depositary receipt share)
2. **5.625% Series F Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock**
- **Dividend**: $1,406.25 per share ($14.0625 per depositary share)
3. **4.450% Series G Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock**
- **Dividend**: $1,112.50 per share ($11.1250 per depositary share)
4. **4.5% Series H Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock (Nasdaq: HBANP)**
- **Dividend**: $11.25 per share ($0.28125 per depositary share)
5. **6.875% Series J Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock (Nasdaq: HBANL)**
- **Dividend**: $17.19 per share ($0.42975 per depositary share)

### Key Dates for Preferred Stock Dividends
- **Payment Date**: April 15, 2025
- **Record Date**: April 1, 2025

The announcement reaffirms Huntington's commitment to returning value to its shareholders through consistent dividend payments. The full press release is attached as Exhibit 99.1 to the Form 8-K filing. This filing was signed by Marcy C. Hingst, General Counsel, on January 17, 2025.

Huntington Bancshares reported strong financial performance for the fourth quarter of 2024, driven by record fees, loan growth, and deposit growth. The company achieved earnings per share (EPS) of $0.34, up $0.01 from the prior quarter and $0.19 year-over-year. Net income was $530 million, reflecting growth of $13 million quarter-over-quarter and $287 million year-over-year.

Key highlights include:
- Net interest income rose by 6% year-over-year to $1.4 billion, supported by an 8% increase in average earning assets.
- Noninterest income grew 38% year-over-year to $559 million, driven by increases in capital markets and advisory fees, as well as payments and cash management revenue.
- Average total loans and leases grew 6% year-over-year to $128.2 billion, with significant growth in commercial and industrial loans and automobile loans.
- Average total deposits rose 7% year-over-year to $159.4 billion, with strong growth in money market deposits.

The company maintained stable credit quality, with net charge-offs representing 0.30% of average loans and leases. Nonperforming assets increased slightly to $822 million, or 0.63% of total loans, reflecting stability in credit performance. Huntington's Common Equity Tier 1 (CET1) ratio was 10.5%, up from 10.4% in the prior quarter, supported by earnings and capital optimization strategies.

CEO Steve Steinour highlighted Huntington's success in delivering peer-leading growth across loans and deposits, as well as investments in new geographies and businesses. The company expects continued momentum in 2025, driven by strategic investments and a robust growth outlook.