Fourth Quarter Investor Presentation
Asset Quality and Reserve | Top Tier Reserve Profile
Net Charge-off Ratio
Through the Cycle Target NCO Range (25 - 45 bps)
Allowance for Credit Losses (ACL)
2.17%
2.09%
2.01%
HBAN
Peer Median
1.89% 1.87% 1.87% 1.89% 1.90% 1.90% 1.93% 1.96%
1.70%
0.32%
-2.00%
0.28%
0.24%
1.80%
0.20%
0.17%
0.19%
1.69%
0.15%
0.16%
0.12%
1.60% 1.56%
1.51%
0.07%
0.03%
1Q21 2Q21 3Q21 4Q21 1Q22 2Q22 3Q22 4Q22 1Q23 2Q23 3Q23
1.44% 1.44% 1.45% 1.48% 1.52% 1.56%
CECL 1Q21 2Q21 3Q21 4Q21 1Q22 2Q22 3Q22 4Q22 1Q23 2Q23 3Q23
Day 1
NPA Ratio
0.91%
0.82%
0.68%
0.67%
0.63% 0.59%
0.53% 0.50% 0.48% 0.46%
0.52%
Criticized Asset Ratio
4.34% 4.48% 4.62%
4.31%
3.97%
3.97%
4.07%
3.58%
3.44% 3.51% 3.50%
1Q21 2Q21 3Q21 4Q21 1Q22 2Q22 3Q22 4Q22 1Q23 2Q23 3Q23
1Q21
2Q21 3Q21 4Q21 1Q22
2Q22 3Q22 4Q22 1Q23 2Q23
3Q23
See notes on Slide 61
2023 Fourth Quarter Investor Presentation | 43
HuntingtonView entire presentation