Derek Gonda

Derek Gonda inquired about Huntington Bancshares' credit guidance, specifically asking if the year-on-year increase in net charge-offs is primarily due to the seasoning of loans originated in recent years. He also asked what factors would cause the company to fall on either end of its projected guidance range.

Answer

Chairman, President, and CEO Stephen Steinour clarified that while some loan seasoning is a factor, the credit guidance of 25-35 basis points for net charge-offs primarily reflects historical performance, with an expectation to be at the lower end of that range for 2026. President of Consumer and Regional Banking Brant Standridge added that the performance in 2025 was exceptional, and the guidance aligns with the historical range.