Huntington Bancshares Incorporated (HBAN) Barclays 24th Annual Global Financial Services Conference September 16, 2026 7:30 AM EDT
Company Participants
Stephen Steinour – Chairman & CEO
Zachary Wasserman – CFO & Senior EVP
Conference Call Participants
Jason Goldberg – Barclays Bank PLC, Research Division
Presentation
Jason Goldberg
Barclays Bank PLC, Research Division
Welcome to day 3 of Barclays 2026 Global Financial Services Conference. I’m very pleased that you could join us this morning. We have almost a full day of presentations today as well. We go through 2:45, concluding with Goldman Sachs. From the — kicking us off today, very pleased to have Huntington. From the company is Steve Steinour, Chairman and CEO; and Zach Wasserman, Chief Financial Officer. Steve is going to kick us off with some remarks and some slides they put out the deck this morning, and then we’re going to do some Q&A.
So, Steve, please kick us off.
Stephen Steinour
Chairman & CEO
Jason, thank you very much, and thank you for 31 great years, and thank you to Barclays as well for hosting us. Welcome to everyone who’s joining us today. This morning, I want to walk you through where Huntington stands today, how the operating environment has evolved over the course of this year, how our management team has responded and why we remain confident in the earnings power and long-term value creation of our franchise.
So let’s begin on Slide 3. There are 4 key messages that will frame the discussion today. First, Huntington is a strategically well-positioned national franchise with scale in markets that are expected to sustainably grow above the national average and numerous value-added fee businesses. We expect to drive strong organic growth through the decade and beyond. Second, we’re driving solid operating performance amidst an operating environment that is materially different and more challenging than

