HUNTINGTON BANCSHARES INC /MD/

For the period ended Dec 31, 2025. Filed Feb 13, 2026.

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A company's yearly report to the SEC, with audited financial statements. It is the fullest account a company gives of its business, its finances and the risks it sees.

FY2025 · Filed Feb 13, 2026

HBANL$24.80+0.1%Stored close · as of Nov 10, 2026

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Contents

Item 9C. Disclosure Regarding Foreign Jurisdictions that Prevent Inspections

2025 Form 10-K 175

PART III

We refer in Part III of this report to relevant sections of our 2026 Proxy Statement for the 2026 Annual Meeting of Shareholders, which will be filed with the SEC pursuant to Regulation 14A within 120 days of the close of our 2025 fiscal year. Portions of our 2026 Proxy Statement, including the sections we refer to in this report, are incorporated by reference into this report.

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