S.step 1 six Greenwich Team Financial Awards4 #step one Lender Mortgage Inventor Kansas / Michigan5 #8 Vehicle Bank Bank $19B AUM6

Work for relative to Huntington’s standalone 2022E overall performance metrics as the implied by IBES consensus prices

10% CET1 Proportion? Trick Presumptions Riding Really worth getting Investors having Much time-Identity Upside 7% TBVPS Dilution 2.7yr TBVPS Earnback? $0.09 $0.16 $0.23 2021E 2022E Note: Pick appendix to have outline. ? Professional forma projected at the closure. ? Accretion approach earnback. Real guide value each display dilution inclusive of complete merger expenditures and you can CECL twice number ($0.62) separated of the 2022E GAAP EPS accretion that have totally knew rates synergies ($0.23). ? Technical creativity expenditures debts sustained forty% in the 12 months step 1 to your remainder depreciated along the after that 3 ages. 2022E pre-taxation impact off $20MM.

Note: Co-worker are CFG, CMA, FHN, FITB, Trick, MTB, PNC, RF, TFC, and ZION

300bp Work with Supply: S&P Globally, Funding IQ, IBES Rates; Note: Assumes fully understood pricing synergies. Totally Know Costs Synergies 2022E ROA Pressing the brand new Huntington Advantage during the a serious Point in the fresh Years

55 % 58 % 63 % Expert Forma Fellow #step 1 Peer #5 Peer #8 Fellow #nine Peer #step three Fellow #six Fellow #4 Peer #7 Peer #2 Peer #ten

2x Currency Management Tune and you may get to know the paying that assist your perform and you may achieve your monetary requirements The newest Hub Custom Expertise Leverage AI to include custom and you will proactive expertise Discounts Automation Play with AI to research their spending patterns, income, and you can next costs discover currency you aren’t using on the account $150MM Progressive Tech Development Investments more step three.five years?

60% ? Control inside-family capabilities having treasury administration and you may money markets ? Device and globe vertical specialization doing a great deal more having customers ? Business Administration positions of the seven(a) mortgage volume. 2 Display 100 financial-possessed equipment fund organization toward a combined base. step three For every single Bloomberg; 2019 All of us civil underwriting director from the regularity. 4 Greenwich Partners 2019 federal and you may Midwest honors getting total satisfaction, probability so you can suggest, and money management. 5 Specialist manera joint rank in the states of Kansas and you may Michigan. six Specialist manera AUM to possess joint business. Powerful Possible opportunity to Drive Long-Term Progress Supporting Much time-Name Goals to send Alternative, Through-the-Years Yields Commercial Banking Business Banking Consumer & Individual Customer #ten Municipal Underwriting3 #8 Products Finance2 #step 1 SBA 7(a) Financial from inside the You.

80% report on loan portfolio by stability Borrowing from the bank Diligence Means Examined chance construction, borrowing from the bank rules, strategies, committee material, and mortgage data files Review of abilities trend round the borrowing migration, delinquencies, and historical loss Commercial mortgage portfolio o Top financing relationship and you will exposures o Covid-19 impacted areas o Financial support Selection, List Loans, or any loans Mccoy CO other specialty credit profiles Consumer loan portfolio o Mathematical research round the collection segments and feedback away from credit file trials Powerful Due diligence Processes 16 Diligence Notice Components Industrial A home Specialty Financing Industrial Banking Consumer Banking Borrowing from the bank Underwriting & CECL Interior Review & Court Exposure Administration I . t & Procedures Regulating & Compliance Marketing & Telecommunications Money, Income tax & Bookkeeping Hr Time and energy out of Organization-Wide Info to evaluate Masters, Dangers, and Solutions Intricate Diligence Procedure Aligned so you can Maintaining Huntington’s Aggregate Average-to-Reduced Risk Cravings

$77MM) Key Deposit Intangible 0.50% out-of TCF non-big date deposits Amortized using sum-of-decades digits more ten years] Deposit Divestiture Projected deposit divestiture regarding

$450MM Other stuff Other interest fair market value changes on securities, time-dumps, borrowings that have $(45)MM just after-taxation effect to help you equity and you will accreted as a result of earnings Long lasting reasonable market value alterations with the fixed assets, OREO, most other assets and you will obligations, and prominent inventory having $(104)MM just after-tax impression to help you security 18% active income tax speed with the TCF money and you will merger adjustments Capitalization No transform so you can capital allotment concerns Intricate Deal Presumptions Pre-taxation $MM Borrowing Interest Total Mark PCD Financing Mark $(520) $(8) $(528) Non-PCD Mortgage Draw $(339) $380 $41 Total Loan Draw $(859) $372 $(487) 20

$450MM 18% energetic income tax rates toward TCF money and merger changes Persuasive Professional Forma Monetary Feeling ten GAAP EPS Accretion Even more Metrics >20% IRR