Huntington Bancshares (HBAN) 2026 RBC Capital Markets Global Financial Institutions Conference summary

Strategic Model, Vision, and Growth Momentum

• Built a differentiated super regional bank model with multiple growth engines, customer-centricity, and focused execution driving organic growth across all business lines.

• Operating a powerhouse consumer and regional banking franchise in 21 states, complemented by growing national commercial businesses and specialized expertise.

• Emphasizing local delivery of national capabilities, deep customer relationships, and award-winning service supported by top-tier digital capabilities.

• Demonstrating robust risk management, a proven flywheel compounding growth, earnings, and top-tier returns.

• Entered 2026 with strong momentum, robust revenue, earnings, and tangible book value growth, delivering top-tier returns.

Commercial Banking Expansion and Performance

• National commercial banking capabilities expanded, with $70B in loans and $51B in deposits as of FY25.

• FY25 saw 13% growth in average daily balance loans and 18% growth in deposits.

• Specialty verticals and new geographies, including commercial auto and asset finance, are driving expansion.

• Commercial and consumer banking segments leverage national scale, specialized expertise, and local leadership for high-quality relationships and growth.

• Recognized with 15 Best Bank Awards and multiple deal awards for excellence in commercial banking.

Partnership Integrations, Synergies, and Operational Efficiency

• Veritex and Cadence partnerships closed, expanding reach and scale in attractive markets, with integrations progressing as planned and high retention of key talent.

• Expense synergies projected to reach a $435M run-rate by 2027, reducing 2026 operating expenses by $340M and adding $100M benefit in 2027.

• Revenue synergies expected to exceed $500M cumulatively over three years, reaching $300M+ run-rate by 2028, with early traction in lending, fee revenue, and deposit growth.

• Systematic re-engineering of baseline expenses has created over $1.4B in cumulative efficiency gains since 2019.

• Integration of recent acquisitions is progressing as expected, with talent retention, systems conversions, and cost synergies on track.