Huntington Bancshares Investor Relations Material

Huntington Bancshares Inc. is an American regional bank holding company. It primarily operates through its subsidiary, The Huntington National Bank, a regional bank with over 1000 locations spread across the midwest. The bank's services cater to a wide range of clients, from individuals and small businesses to corporations and other financial institutions. Huntington's offerings encompass traditional banking products like checking and savings accounts, as well as more specialized services such as wealth management, treasury management, and capital market services. It is headquartered in Columbus, Ohio, and its shares are listed on the Nasdaq.

In 1886 P.W. Huntington founded The Huntington National Bank in Columbus, Ohio. The bank was initially a small, local entity, focusing on serving the financial needs of the community. The company has grown from a small, local bank to a strong regional presence both organically as well as through numerous strategic acquisitions over the years. Today, the company is present in several different states across the Midwest and maintains a strong presence in its home state. Some other banks with a similar regional focus are Comerica, M&T Bank, and Fifth Third.

The company offers a diverse array of banking operations primarily focused on personal, small business, and commercial banking services. In personal banking, Huntington provides a variety of essential services, including checking and savings accounts, personal loans, and mortgage services.

Small business banking is another important aspect of Huntington's operations. The bank supports small businesses with a range of products such as business checking and savings accounts, business credit cards, and lending services including lines of credit and term loans.

For commercial clients, Huntington's banking services are more extensive, encompassing commercial loans and financing options, treasury management, and other specialized financial services. These services are designed to support the complex needs of businesses, providing solutions for managing cash flow, financing growth, and optimizing financial operations.

Huntington Bancshares Incorporated provides an array of wealth management services tailored to meet the needs of individuals, families, and institutions. Central to these services is private banking, offering high-net-worth clients personalized banking solutions, including specialized accounts and custom credit options. Huntington also offers diverse investment vehicles like stocks, bonds, and mutual funds, as well as retirement planning services.