HUNTINGTON BANCSHARES INC /MD/
For the period ended Apr 22, 2026. Filed Mar 12, 2026.
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Apr 22, 2026 · Filed Mar 12, 2026
HBANL$24.77+0.9%Stored close · as of Nov 6, 2026
Contents
Adjusted Operating Leverage
| ($ in millions) · 2025Actual · 2024Actual · Y/Y Change | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| Net Interest income | $ | 5,991 | $ | 5,345 | ||||||
| Noninterest Income | 2,175 | 2,040 | ||||||||
| Total revenue (GAAP) | 8,166 | 7,385 | ||||||||
| FTE Adjustment | 65 | 53 | ||||||||
| Total revenue (FTE) | 8,231 | 7,438 | $ | 793 | 10.66 | % | ||||
| Less: Veritex-related net interest income and noninterest income | 84 | — | ||||||||
| Less: Securities repositioning, net of net interest income benefit | (43) | (21) | ||||||||
| Less: gain from divesture, net of expense reduction impact | 13 | 4 | ||||||||
| Less: net MSR hedging gain | 2 | — | ||||||||
| Adjusted total revenue | $ | 8,175 | 7,455 | $ | 720 | 9.66 | % | |||
| Noninterest expense | $ | 5,015 | 4,562 | $ | 453 | 9.93 | % | |||
| Less: Acquisition and Veritex direct expenses | 212 | — | ||||||||
| Less: Org. Transformation/Severance Related Expenses and CRE Consolidation | 6 | 18 | ||||||||
| Less: FDIC Special Assessment | (30) | 28 | ||||||||
| Less: Impact of Discretionary Bonus | 13 | 9 | ||||||||
| Adjusted noninterest expense | $ | 4,814 | $ | 4,507 | $ | 307 | 6.81 | % | ||
| Total revenue (FTE) growth rate | 10.66 | % | ||||||||
| Noninterest expense growth rate | 9.93 | |||||||||
| Operating leverage | 0.73 | % | ||||||||
| Adjusted total revenue growth rate | 9.66 | % | ||||||||
| Adjusted noninterest expense growth rate | 6.81 | |||||||||
| Adjusted operating leverage | 2.85 | % | ||||||||
123 | 2026 Proxy Statement
Appendix A: Adjusted ROTCE and Adjusted PPNR
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