Revenue: As of FY2025 Q3, the actual value is USD 3.228 B.EPS: As of FY2025 Q3, the actual value is USD 0.41.EBIT: As of FY2025 Q3, the actual value is USD -740 M.<h3>Financial Performance Review</h3><ul><li>Net Interest Income: For the third quarter of 2025, net interest income was $1.5 billion, an increase of $155 million, or 11%, from the year-ago quarter. FTE net interest income increased $159 million, or 12%, primarily due to a 15 basis point increase in the FTE NIM to 3.13% and a $10.8 billion, or 6%, increase in average earning assets.</li><li>Provision for Credit Losses: The provision for credit losses increased $16 million, or 15%, from the year-ago quarter to $122 million in the third quarter of 2025.</li><li>Noninterest Income: Noninterest income was $628 million, an increase of $105 million, or 20%, from the year-ago quarter, driven by a $24 million gain on the sale of a portion of the trust and custody business and increases in payments and cash management revenue, capital markets and advisory fees, customer deposit and loan fees, and wealth and asset management revenue.</li><li>Noninterest Expense: Noninterest expense was $1.2 billion, an increase of $116 million, or 10%, from the year-ago quarter, primarily due to higher personnel costs and outside data processing and other services, in addition to $14 million of Veritex acquisition-related expenses.</li></ul><h3>Consolidated Balance Sheet and Capital Ratios</h3><ul><li>Total Assets: Total assets at September 30, 2025 were $210.2 billion, an increase of $6.0 billion, or 3%, compared to December 31, 2024.</li><li>Total Liabilities: Total liabilities at September 30, 2025 were $187.9 billion, an increase of $3.5 billion, or 2%, compared to December 31, 2024.</li><li>Tangible Common Equity to Tangible Assets Ratio: Increased to 6.8% at September 30, 2025, compared to 6.1% at December 31, 2024.</li><li>CET1 Risk-Based Capital Ratio: Was 10.6% at September 30, 2025, compared to 10.5% at December 31, 2024.</li></ul><h3>Loan and Lease Portfolio</h3><ul><li>Total Loans and Leases: At September 30, 2025, loans and leases totaled $138.0 billion, representing a $7.9 billion, or 6%, increase compared to $130.0 billion at December 31, 2024.</li></ul><h3>Credit Quality</h3><ul><li>Net Charge-Offs (NCOs): NCOs were $75 million, or 0.22% of average total loans and leases, annualized, a decrease of $18 million compared to $93 million, or 0.30%, in the year-ago quarter.</li><li>Nonperforming Assets (NPAs): NPAs decreased from December 31, 2024 by $1 million, which included a $28 million decrease in other NPAs, partially offset by increases in residential mortgage of $14 million and commercial real estate of $13 million.</li></ul><h3>Market Risk</h3><ul><li>Net Interest Income at Risk (NII at Risk): Shows that the balance sheet is asset-sensitive at both September 30, 2025, and December 31, 2024.</li></ul><h3>Outlook</h3><ul><li>General Business Objectives: Huntington aims to deliver top quartile performance through sustainable long-term profitable growth, leveraging regional banking model and national franchise to drive scale, growth, and expansion, while maintaining positive operating leverage and executing disciplined capital management.</li></ul>

Huntington Bancshares Pref Share HBANM 5.7 Perp 12/01/22 C | 10-Q: FY2025 Q3 Revenue: USD 3.228 B