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S.step 1 6 Greenwich Company Financial Awards4 #step one Bank Home loan Maker Kansas / Michigan5 #8 Car Lender Lender $19B AUM6

Work for relative to Huntington’s stand alone 2022E results metrics since the meant by IBES consensus quotes

10% CET1 Ratio? Key Assumptions Operating Well worth to possess Shareholders which have Much time-Identity Upside 7% TBVPS Dilution 2.7yr TBVPS Earnback? $0.09 $0.16 $0.23 2021E 2022E Note: Select appendix to have detail. ? Professional forma estimated within closing. ? Accretion approach earnback. Real publication worth for every show dilution including total merger expenses and you can CECL twice amount ($0.62) split because of the 2022E GAAP EPS accretion having fully know rates synergies ($0.23). ? Tech creativity investment costs incurred forty% from inside the 12 months step one with the rest depreciated along side further step three decades. 2022E pre-taxation perception of $20MM.

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

300bp Benefit Provider: S&P Worldwide, Financing IQ, IBES Estimates; Note: Assumes completely understood prices synergies. Fully Realized Prices Synergies 2022E ROA Pressing the Huntington Virtue during the a significant Reason for the fresh Course

55 % 58 % 63 % Specialist Forma Peer #step one Peer #5 Peer #8 Peer #9 Peer #step three Fellow #6 Peer #cuatro Peer #7 Fellow #dos Peer #ten

2x Money Government Tune and learn the using that assist you create and you can reach your financial wants The new Hub Custom Expertise Leverage AI to include personalized and you will proactive wisdom Offers Automation Use AI to analyze the expenses habits, income, and you will then costs to get money you aren’t playing with on the account $150MM Progressive Technology Creativity Financial investments more than step 3.five years?

60% ? Leverage inside the-family capabilities to have treasury administration and you can investment locations ? Tool and globe straight specialization to-do significantly more to possess consumers ? Small company Administration ranks by the seven(a) mortgage volume. dos Screen 100 financial-owned products financing company into the a combined basis. step three For each and every Bloomberg; 2019 Us municipal underwriting director because of the regularity. 4 Greenwich Lovers 2019 national and you may Midwest honours to own full pleasure, possibilities to help you strongly recommend, and cash government. 5 Specialist manera mutual rank in the us out of Ohio and you can Michigan. six Professional forma AUM to have mutual organization. Strong Chance to Drive Enough time-Term Increases Helps Enough time-Identity Specifications to send Renewable, Through-the-Cycle Productivity Commercial Banking Providers Banking Consumer & Private Consumer #ten Municipal Underwriting3 #8 Devices Finance2 #step 1 SBA seven(a) Financial for the U.

80% writeup on financing collection because of the balance Borrowing Diligence Method Analyzed risk design, borrowing regulations, strategies, committee material, and mortgage documents Evaluation of results fashion across credit migration, delinquencies, and you can historic losses Industrial loan portfolio o Most readily useful lending dating and you can exposures o Covid-19 inspired markets o Investment Choice, Directory Loans, or other expertise credit portfolios Consumer loan profile o Analytical studies round the profile segments and opinion out of credit history samples Robust Due diligence Process 16 Diligence Attract Components Commercial A residential property Expertise Credit Commercial Banking User Banking Credit Underwriting & CECL Interior Audit & Courtroom Chance Government It & Surgery Regulatory & Conformity Sales & Interaction Fund, Taxation & Bookkeeping Human resources Time and energy out of Team-Wide Resources to assess Experts, Risks, and you can Options Intricate Diligence Processes Aimed to Keeping Huntington’s Aggregate Reasonable-to-Lowest Chance Appetite

$77MM) Key Put Intangible 0.50% out of TCF low-big date deposits Amortized using share-of-many years digits over 10 years] Deposit Divestiture Estimated deposit divestiture of

$450MM Other activities Most other interest fair market value changes to the ties, time-dumps, borrowings that have $(45)MM after-taxation impact so you’re able to guarantee and you may accreted by way of money Long lasting loans Monument reasonable market value adjustments towards fixed assets, OREO, most other property and you will debts, and prominent stock with $(104)MM after-income tax perception in order to security 18% energetic taxation speed for the TCF money and you will merger improvements Capitalization No change so you’re able to resource allotment goals Intricate Exchange Assumptions Pre-tax $MM Borrowing from the bank Interest Complete Mark PCD Financing Draw $(520) $(8) $(528) Non-PCD Mortgage Mark $(339) $380 $41 Overall Loan Mark $(859) $372 $(487) 20

$450MM 18% productive income tax speed toward TCF money and you may merger changes Compelling Specialist Manera Economic Perception ten GAAP EPS Accretion Extra Metrics >20% IRR