Sustainability

We work to identify and manage risks that may affect business continuity, credit quality, collateral values, capital planning and customer operations, including risks associated with extreme weather, environmental conditions, evolving markets, technology and policy.

Our work includes:

• Integration into enterprise risk management: Relevant considerations are incorporated into risk identification and monitoring processes, including credit risk assessments.
• Scenario analysis: We conduct scenario analysis to help assess resilience under a range of potential operating conditions.
• Capability-building: We continue to strengthen analytics, governance and cross-functional coordination that support informed decision-making.

Our focus on responsible operations reflects our commitment to managing resources efficiently, reducing our operational footprint, and supporting business continuity across our footprint.

• Greenhouse gas emissions management
• Energy efficiency and electricity sourcing
• Water use and conservation
• Waste reduction and diversion
• Resource efficiency and operational excellence
• Supplier engagement and sustainable sourcing
• Business continuity and operational resilience

We continue to enhance our processes and tools to improve data quality, accounting practices, and reporting controls.

We support customers as they evaluate and pursue resilience, operating, and business priorities based on their individual goals and needs.

We provide financing solutions that support customer goals and operating priorities, including renewable energy, battery storage, microgrid, infrastructure, affordable housing, community development, and business growth initiatives.

Huntington supports economic vitality by helping businesses, communities, and customers invest in growth, infrastructure, resilience, and long-term economic development.

• Financing renewable energy, energy infrastructure, and resilience-related projects that support business growth and community development.
• Supporting small businesses and commercial clients through lending, advisory services, and capital access that help strengthen local economies.
• Investing in community development initiatives that promote economic opportunities, neighborhood revitalization, and job creation.
• Providing financing solutions for infrastructure, equipment, and facility improvements that enhance operational efficiency and long-term competitiveness.
• Supporting customers as they navigate evolving market, regulatory, and operating conditions through relationship-based advice and tailored financing solutions.

Strong governance supports consistent execution, accountability, and transparency. Sustainability considerations are incorporated through existing governance, risk management, operational, and business planning processes across the enterprise.

• Board oversight: These topics are overseen through our Corporate Responsibility and Sustainability (CR&S) program, which reports into the Nominating and Corporate Governance Committee. Other Board committees, including the Risk Oversight Committee, are engaged as appropriate.
• Policies: Our approach is guided by established policies, including our Environmental Policy Statement and Environmental Health and Safety Policy Statement.
• Cross-functional governance: Leaders across Risk, Legal, Operations, CR&S and business segments contribute to advancing resilience, operational responsibility and disclosure readiness.

We publish regular disclosures to provide consistent, decision-useful information aligned with applicable standards and investor expectations.

• Reporting framework: Our reporting reflects the IFRS Sustainability Disclosure Standards (IFRS S1 and IFRS S2) and may incorporate elements from other recognized frameworks to provide transparent, decision-useful information that supports stakeholder understanding of our approach to risk management, operational responsibility, governance, and performance.
• Monitoring evolving standards: We monitor and assess emerging disclosure requirements in applicable jurisdictions.
• Transparency commitments: We continue strengthening data quality, controls and auditability in disclosures.

Through responsible operations, effective risk management, customer-focused financing solutions, and strong governance, Huntington seeks to create long-term value for customers, communities, colleagues, shareholders, and other stakeholders.