Exhibit 99.2

HUNTINGTON BANCSHARES INCORPORATED

Quarterly Financial Supplement

September 30, 2015

Table of Contents

Quarterly Key Statistics	1
Year to Date Key Statistics	2
Consolidated Balance Sheets	4
Loans and Leases Composition	5
Deposits Composition	6
Consolidated Quarterly Average Balance Sheets	7
Consolidated Quarterly Net Interest Margin - Interest Income / Expense	8
Consolidated Quarterly Net Interest Margin - Yield	9
Selected Quarterly Income Statement Data	10
Quarterly Mortgage Banking Income	11
Quarterly Credit Reserves Analysis	12
Quarterly Net Charge-Off Analysis	13
Quarterly Nonaccrual Loans and Leases (NALs) and Nonperforming Assets (NPAs)	14
Quarterly Accruing Past Due Loans and Leases and Accruing Troubled Debt Restructured Loans	15
Quarterly Capital Under Current Regulatory Standards (Basel III) and Other Capital Data	16
Quarterly Common Stock Summary, Non-Regulatory Capital, and Other Data	17
Consolidated Year to Date Average Balance Sheets	18
Consolidated Year to Date Net Interest Margin - Interest Income / Expense	19
Consolidated Year to Date Net Interest Margin - Yield	20
Selected Year to Date Income Statement Data	21
Year to Date Mortgage Banking Income	22
Year to Date Credit Reserves Analysis	23
Year to Date Net Charge-Off Analysis	24
Year to Date Nonaccrual Loans and Leases (NALs) and Nonperforming Assets (NPAs)	25
Year to Date Accruing Past Due Loans and Leases and Accruing and Nonaccruing Troubled Debt Restructured Loans	26

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Notes:

The preparation of financial statement data in conformity with accounting principles generally accepted in the United States (GAAP) requires management to make estimates and assumptions that affect amounts reported. Actual results could differ from those estimates. Certain prior period amounts have been reclassified to conform to the current period’s presentation.

Non-Regulatory Capital Ratios

In addition to capital ratios defined by banking regulators, the Company considers various other measures when evaluating capital utilization and adequacy, including:

•	Tangible common equity to tangible assets,

•	Tier 1 common equity to risk-weighted assets using Basel I definitions (through 4Q 2014), and

•	Tangible common equity to risk-weighted assets using Basel I definition (through 4Q 2014) and Basel III definition (beginning 1Q 2015).

These non-regulatory capital ratios are viewed by management as useful additional methods of reflecting the level of capital available to withstand unexpected market conditions. Additionally, presentation of these ratios allows readers to compare the Company’s capitalization to other financial services companies. These ratios differ from capital ratios defined by banking regulators principally in that the numerator excludes preferred securities, the nature and extent of which varies among different financial services companies. These ratios are not defined in GAAP or federal banking regulations. As a result, these non-regulatory capital ratios disclosed by the Company may be considered non-GAAP financial measures.

Because there are no standardized definitions for these non-regulatory capital ratios, the Company’s calculation methods may differ from those used by other financial services companies. Also, there may be limits in the usefulness of these measures to investors. As a result, the Company encourages readers to consider the consolidated financial statements and other financial information contained in the related press release in their entirety, and not to rely on any single financial measure.

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Huntington Bancshares Incorporated

Quarterly Key Statistics(1)

(Unaudited)

	2015				2015				2014					Percent Changes vs.
(dollar amounts in thousands, except as noted)	Third				Second				Third					2Q15			3Q14
Net interest income (3)	$	503,623			$	498,648			$	473,841				1	%		6	%
FTE adjustment	(8,168		)		(7,962		)		(7,506		)			3			9
Net interest income	495,455				490,686				466,335					1			6
Provision for credit losses	22,476				20,419				24,480					10			(8	)
Noninterest income	253,119				281,773				247,349					(10	)		2
Noninterest expense	526,508				491,777				480,318					7			10
Income before income taxes	199,590				260,263				208,886					(23	)		(4	)
Provision for income taxes	47,002				64,057				53,870					(27	)		(13	)
Net income	152,588				196,206				155,016					(22	)		(2	)
Dividends on preferred shares	7,968				7,968				7,964					—			—
Net income applicable to common shares	$	144,620			$	188,238			$	147,052				(23	)%		(2	)%
Net income per common share - diluted	$	0.18			$	0.23			$	0.18				(22	)%		—	%
Cash dividends declared per common share	0.06				0.06				0.05					—			20
Tangible book value per common share at end of period	6.88				6.71				6.53					3			5
Number of common shares repurchased	6,764				8,834				5,438					(23	)		24
Average common shares - basic	800,883				806,891				816,497					(1	)		(2	)
Average common shares - diluted	814,326				820,238				829,623					(1	)		(2	)
Ending common shares outstanding	796,659				803,066				814,454					(1	)		(2	)
Return on average assets	0.87		%		1.16		%		0.97		%
Return on average common shareholders’ equity	9.3				12.3				9.9
Return on average tangible common shareholders’ equity(2)	10.7				14.4				11.4
Net interest margin(3)	3.16				3.20				3.20
Efficiency ratio(4)	69.1				61.7				65.3
Effective tax rate	23.5				24.6				25.8
Average total assets (millions)	$	69,304			$	67,883			$	63,473				2			9
Average earning assets (millions)	63,323				62,569				58,707					1			8
Average loans and leases (millions)	49,046				47,899				46,113					2			6
Average loans and leases - linked quarter annualized growth rate	9.6		%		1.0		%		9.7		%
Average total deposits (millions)	$	54,379			$	52,639			$	48,978				3			11
Average core deposits(5) (millions)	50,891				49,192				46,119					3			10
Average core deposits - linked quarter annualized growth rate	13.8		%		3.4		%		4.5		%
Average shareholders’ equity (millions)	$	6,573			$	6,517			$	6,292				1			4
Average tangible common shareholders' equity (millions)	5,469				5,409				5,350					1			2
Total assets at end of period (millions)	70,210				68,846				64,331					2			9
Total shareholders’ equity at end of period (millions)	6,583				6,496				6,284					1			5
NCOs as a % of average loans and leases	0.13		%		0.21		%		0.26		%
NAL ratio	0.72				0.75				0.70
NPA ratio(6)	0.77				0.81				0.78
Allowance for loan and lease losses (ALLL) as a % of total loans and leases at the end of period	1.19				1.23				1.35
ALLL plus allowance for unfunded loan commitments and letters of credit (ACL) as a % of total loans and leases at the end of period	1.32				1.34				1.47
ACL as a % of NALs	184				180				211
ACL as a % of NPAs	172				165				188
Common equity tier 1 risk-based capital ratio	9.72				9.65				N.A.
Tier 1 common risk-based capital ratio(7)(9)	N.A.				N.A.				10.31
Tangible common equity / tangible asset ratio(8)	7.89				7.91				8.35

See Notes to the Quarterly Key Statistics.

1

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Huntington Bancshares Incorporated

Year To Date Key Statistics(1)

(Unaudited)

	Nine Months Ended September 30,								Change
(dollar amounts in thousands, except as noted)	2015				2014				Amount				Percent
Net interest income(3)	$	1,477,516			$	1,383,917			$	93,599			7	%
FTE adjustment	(23,690		)		(20,028		)		(3,662		)		18
Net interest income	1,453,826				1,363,889				89,937				7
Provision for credit losses	63,486				78,495				(15,009		)		(19	)
Noninterest income	766,515				745,901				20,614				3
Noninterest expense	1,477,142				1,399,075				78,067				6
Income before income taxes	679,713				632,220				47,493				8
Provision for income taxes	165,065				163,442				1,623				1
Net Income	514,648				468,778				45,870				10
Dividends on preferred shares	23,901				23,891				10				—
Net income applicable to common shares	$	490,747			$	444,887			$	45,860			10	%
Net income per common share - diluted	$	0.60			$	0.53			$	0.07			13	%
Cash dividends declared per common share	0.18				0.15				0.03				20
Average common shares - basic	805,851				820,884				(15,033		)		(2	)
Average common shares - diluted	819,458				833,927				(14,469		)		(2	)
Return on average assets	1.01		%		1.02		%
Return on average common shareholders’ equity	10.7				10.2
Return on average tangible common shareholders’ equity(2)	12.4				11.7
Net interest margin(3)	3.17				3.25
Efficiency ratio(4)	64.8				64.7
Effective tax rate	24.3				25.9
Average total assets (millions)	$	67,823			$	61,680			6,143				10
Average earning assets (millions)	62,369				56,929				5,440				10
Average loans and leases (millions)	48,245				44,863				3,382				8
Average total deposits (millions)	53,057				48,280				4,777				10
Average core deposits(5) (millions)	49,627				45,645				3,982				9
Average shareholders’ equity (millions)	6,502				6,235				267				4
Average tangible common shareholders' equity (millions)	5,446				5,308				138				3
NCOs as a % of average loans and leases	0.18		%		0.30		%
NAL ratio	0.72				0.70
NPA ratio(6)	0.77				0.78

See Notes to the Annual and Quarterly Key Statistics.

2

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Key Statistics Footnotes

(1)	Comparisons for all presented periods are impacted by a number of factors. Refer to Significant Items.

(2)

Net income excluding expense for amortization of intangibles for the period divided by average tangible common shareholders’ equity. Average tangible common shareholders’ equity equals average total common shareholders’ equity less average intangible assets and goodwill. Expense for amortization of intangibles and average intangible assets are net of deferred tax liability, and calculated assuming a 35% tax rate.

(3)	On a fully-taxable equivalent (FTE) basis assuming a 35% tax rate.

(4)	Noninterest expense less amortization of intangibles and goodwill impairment divided by the sum of FTE net interest income and noninterest income excluding securities gains (losses).

(5)	Includes noninterest-bearing and interest-bearing demand deposits, money market deposits, savings and other domestic deposits, and core certificates of deposit.

(6)	NPAs include other real estate owned.

(7)	September 30, 2015, figures are estimated.

(8)	Tangible common equity (total common equity less goodwill and other intangible assets) divided by tangible assets (total assets less goodwill and other intangible assets). Other intangible assets are net of deferred tax liability, and calculated assuming a 35% tax rate.

(9)	On January 1, 2015, we became subject to the Basel III capital requirements and the standardized approach for calculating risk-weighted assets in accordance with subpart D of the final capital rule. Ratios prior to January 1, 2015 were not retrospectively updated and are presented on a Basel 1 basis.

(N.A.)	Not applicable. See footnote 9 above.

3

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Huntington Bancshares Incorporated

Consolidated Balance Sheets

	2015				2014				Percent Changes vs.
(dollar amounts in thousands, except number of shares)	September 30,				December 31,				4Q14
	(Unaudited)
Assets
Cash and due from banks	$	1,024,358			$	1,220,565			(16	)%
Interest-bearing deposits in banks	65,805				64,559				2
Trading account securities	38,609				42,191				(8	)
Loans held for sale	675,636				416,327				62
Available-for-sale and other securities	11,094,868				9,384,670				18
Held-to-maturity securities	3,157,688				3,379,905				(7	)
Loans and leases(1)	49,655,909				47,655,726				4
Allowance for loan and lease losses	(591,938		)		(605,196		)		(2	)
Net loans and leases	49,063,971				47,050,530				4
Bank owned life insurance	1,748,328				1,718,436				2
Premises and equipment	620,515				616,407				1
Goodwill	676,869				522,541				30
Other intangible assets	58,793				74,671				(21	)
Accrued income and other assets	1,984,738				1,807,208				10
Total assets	$	70,210,178			$	66,298,010			6	%
Liabilities and shareholders’ equity
Liabilities
Deposits(2)	$	54,244,711			$	51,732,151			5	%
Short-term borrowings	1,453,812				2,397,101				(39	)
Long-term debt	6,359,445				4,335,962				47
Accrued expenses and other liabilities	1,569,573				1,504,626				4
Total liabilities	63,627,541				59,969,840				6
Shareholder’s equity
Preferred stock - authorized 6,617,808 shares-
Series A, 8.50% fixed rate, non-cumulative perpetual convertible preferred stock, par value of $0.01, and liquidation value per share of $1,000	362,507				362,507				—
Series B, floating rate, non-voting, non-cumulative perpetual preferred stock, par value of $0.01, and liquidation value per share of $1,000	23,785				23,785				—
Common stock - Par value of $0.01	7,987				8,131				(2	)
Capital surplus	7,053,902				7,221,745				(2	)
Less treasury shares, at cost	(17,464		)		(13,382		)		31
Accumulated other comprehensive loss	(139,739		)		(222,292		)		(37	)
Retained (deficit) earnings	(708,341		)		(1,052,324		)		(33	)
Total shareholders’ equity	6,582,637				6,328,170				4
Total liabilities and shareholders’ equity	$	70,210,178			$	66,298,010			6	%
Common shares authorized (par value of $0.01)	1,500,000,000				1,500,000,000
Common shares issued	798,663,649				813,136,321
Common shares outstanding	796,659,440				811,454,676
Treasury shares outstanding	2,004,209				1,681,645
Preferred shares issued	1,967,071				1,967,071
Preferred shares outstanding	398,007				398,007

(1)	See page 5 for detail of loans and leases.

(2)	See page 6 for detail of deposits.

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Huntington Bancshares Incorporated

Loans and Leases Composition

(Unaudited)

	2015							2015							2015							2014							2014
(dollar amounts in millions)	September 30,							June 30,							March 31,							December 31,							September 30,
Ending Balances by Type:
Commercial:
Commercial and industrial	$	20,040			40	%		$	20,003			41	%		$	20,109			42	%		$	19,033			40	%		$	18,791			40	%
Commercial real estate:
Construction	1,110				2			1,021				2			910				2			875				2			850				2
Commercial	4,294				9			4,192				9			4,157				9			4,322				9			4,141				9
Commercial real estate	5,404				11			5,213				11			5,067				11			5,197				11			4,991				11
Total commercial	25,444				51			25,216				52			25,176				53			24,230				51			23,782				51
Consumer:
Automobile	9,160				19			8,549				18			7,803				16			8,690				18			8,322				18
Home equity	8,461				17			8,526				17			8,492				18			8,491				18			8,436				18
Residential mortgage	6,071				12			5,987				12			5,795				12			5,831				12			5,788				12
Other consumer	520				1			474				1			430				1			414				1			395				1
Total consumer	24,212				49			23,536				48			22,520				47			23,426				49			22,941				49
Total loans and leases	$	49,656			100	%		$	48,752			100	%		$	47,696			100	%		$	47,656			100	%		$	46,723			100	%
Ending Balances by Business Segment:
Retail and Business Banking	$	13,648			28	%		$	13,673			28	%		$	13,515			28	%		$	13,199			28	%		$	13,136			28	%
Commercial Banking	13,144				26			12,980				27			13,066				28			12,362				26			11,919				26
AFCRE	16,411				33			15,609				32			14,812				31			15,640				33			15,229				33
RBHPCG	2,992				6			2,968				6			2,896				6			2,963				6			2,938				6
Home Lending	3,437				7			3,405				7			3,336				7			3,391				7			3,372				7
Treasury / Other	24				—			117				—			71				—			101				—			129				—
Total loans and leases	$	49,656			100	%		$	48,752			100	%		$	47,696			100	%		$	47,656			100	%		$	46,723			100	%

	2015							2015							2015							2014							2014
	Third							Second							First							Fourth							Third
Average Balances by Business Segment:
Retail and Business Banking	$	13,704			28	%		$	13,646			29	%		$	13,523			28	%		$	13,168			28	%		$	13,100			28	%
Commercial Banking	12,937				26			12,808				27			12,140				26			12,389				27			11,702				25
AFCRE	15,895				33			15,071				31			15,779				33			15,160				32			14,926				32
RBHPCG	2,979				6			2,930				6			2,890				6			2,949				6			2,901				7
Home Lending	3,438				7			3,339				7			3,360				7			3,327				7			3,377				8
Treasury / Other	93				—			105				—			88				—			99				—			107				—
Total loans and leases	$	49,046			100	%		$	47,899			100	%		$	47,780			100	%		$	47,092			100	%		$	46,113			100	%

5

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Huntington Bancshares Incorporated

Deposits Composition

(Unaudited)

	2015							2015							2015							2014							2014
(dollar amounts in millions)	September 30,							June 30,							March 31,							December 31,							September 30,
Ending Balances by Type:
Demand deposits - noninterest-bearing	$	16,935			31	%		$	17,011			32	%		$	15,960			30	%		$	15,393			30	%		$	14,754			29	%
Demand deposits - interest-bearing	6,574				12			6,627				12			6,537				13			6,248				12			6,052				12
Money market deposits	19,494				36			18,580				35			18,933				36			18,986				37			18,174				36
Savings and other domestic deposits	5,189				10			5,240				10			5,288				10			5,048				10			5,038				10
Core certificates of deposit	2,483				5			2,580				5			2,709				5			2,936				5			3,150				6
Total core deposits	50,675				94			50,038				94			49,427				94			48,611				94			47,168				93
Other domestic deposits of $250,000 or more	263				—			178				—			189				—			198				—			202				1
Brokered deposits and negotiable CDs	2,904				5			2,705				5			2,682				5			2,522				5			2,357				5
Deposits in foreign offices	403				1			552				1			535				1			401				1			402				1
Total deposits	$	54,245			100	%		$	53,473			100	%		$	52,833			100	%		$	51,732			100	%		$	50,129			100	%
Total core deposits:
Commercial	$	24,886			49	%		$	24,103			48	%		$	23,061			47	%		$	22,725			47	%		$	21,753			46	%
Consumer	25,789				51			25,935				52			26,366				53			25,886				53			25,415				54
Total core deposits	$	50,675			100	%		$	50,038			100	%		$	49,427			100	%		$	48,611			100	%		$	47,168			100	%
Ending Balances by Business Segment:
Retail and Business Banking	$	29,979			55	%		$	29,983			56	%		$	30,150			57	%		$	29,350			57	%		$	29,265			58	%
Commercial Banking	11,826				22			10,908				20			11,195				21			11,185				21			10,791				22
AFCRE	1,522				3			1,519				3			1,443				3			1,378				3			1,362				3
RBHPCG	7,377				14			7,265				14			6,707				13			6,728				13			5,898				11
Home Lending	305				—			340				1			350				—			327				1			269				1
Treasury / Other(1)	3,236				6			3,458				6			2,988				6			2,764				5			2,544				5
Total deposits	$	54,245			100	%		$	53,473			100	%		$	52,833			100	%		$	51,732			100	%		$	50,129			100	%

	2015							2015							2015							2014							2014
	Third							Second							First							Fourth							Third
Average Balances by Business Segment:
Retail and Business Banking	$	30,152			55	%		$	30,126			57	%		$	29,727			57	%		$	29,481			58	%		$	28,865			59	%
Commercial Banking	11,567				21			10,848				20			11,140				21			10,632				21			10,248				21
AFCRE	1,494				3			1,487				3			1,375				3			1,315				3			1,285				2
RBHPCG	7,692				14			6,780				13			6,736				13			6,389				12			5,958				12
Home Lending	342				1			388				1			321				1			323				1			294				1
Treasury / Other(1)	3,132				6			3,010				6			2,830				5			2,612				5			2,328				5
Total deposits	$	54,379			100	%		$	52,639			100	%		$	52,129			100	%		$	50,752			100	%		$	48,978			100	%

(1)	Comprised primarily of national market deposits.

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Huntington Bancshares Incorporated

Consolidated Quarterly Average Balance Sheets

(Unaudited)

	Average Balances
	2015				2015				2015				2014				2014					Percent Changes vs.
(dollar amounts in millions)	Third				Second				First				Fourth				Third					2Q15			3Q14
Assets
Interest-bearing deposits in banks	$	89			$	89			$	94			$	85			$	82				—	%		9	%
Loans held for sale	464				1,272				381				374				351					(64	)		32
Securities:
Available-for-sale and other securities:
Taxable	8,310				7,916				7,664				7,291				6,935					5			20
Tax-exempt	2,136				2,028				1,874				1,684				1,620					5			32
Total available-for-sale and other securities	10,446				9,944				9,538				8,975				8,555					5			22
Trading account securities	52				41				53				49				50					27			4
Held-to-maturity securities - taxable	3,226				3,324				3,347				3,435				3,556					(3	)		(9	)
Total securities	13,724				13,309				12,938				12,459				12,161					3			13
Loans and leases:(1)
Commercial:
Commercial and industrial	19,802				19,819				19,116				18,880				18,581					—			7
Commercial real estate:
Construction	1,101				970				887				822				775					14			42
Commercial	4,193				4,214				4,275				4,262				4,188					—			—
Commercial real estate	5,294				5,184				5,162				5,084				4,963					2			7
Total commercial	25,096				25,003				24,278				23,964				23,544					—			7
Consumer:
Automobile	8,879				8,083				8,783				8,512				8,012					10			11
Home equity	8,526				8,503				8,484				8,452				8,412					—			1
Residential mortgage	6,048				5,859				5,810				5,751				5,747					3			5
Other consumer	497				451				425				413				398					10			25
Total consumer	23,950				22,896				23,502				23,128				22,569					5			6
Total loans and leases	49,046				47,899				47,780				47,092				46,113					2			6
Allowance for loan and lease losses	(609		)		(608		)		(612		)		(631		)		(633		)			—			(4	)
Net loans and leases	48,437				47,291				47,168				46,461				45,480					2			7
Total earning assets	63,323				62,569				61,193				60,010				58,707					1			8
Cash and due from banks	1,555				926				935				929				887					68			75
Intangible assets	739				745				593				602				583					(1	)		27
All other assets	4,296				4,251				4,142				4,022				3,929					1			9
Total assets	$	69,304			$	67,883			$	66,251			$	64,932			$	63,473				2	%		9	%
Liabilities and shareholders’ equity
Deposits:
Demand deposits - noninterest-bearing	$	17,017			$	15,893			$	15,253			$	15,179			$	14,090				7	%		21	%
Demand deposits - interest-bearing	6,604				6,584				6,173				5,948				5,913					—			12
Total demand deposits	23,621				22,477				21,426				21,127				20,003					5			18
Money market deposits	19,512				18,803				19,368				18,401				17,929					4			9
Savings and other domestic deposits	5,224				5,273				5,169				5,052				5,020					(1	)		4
Core certificates of deposit	2,534				2,639				2,814				3,058				3,167					(4	)		(20	)
Total core deposits	50,891				49,192				48,777				47,638				46,119					3			10
Other domestic deposits of $250,000 or more	217				184				195				201				223					18			(3	)
Brokered deposits and negotiable CDs	2,779				2,701				2,600				2,434				2,262					3			23
Deposits in foreign offices	492				562				557				479				374					(12	)		32
Total deposits	54,379				52,639				52,129				50,752				48,978					3			11
Short-term borrowings	844				2,153				1,882				2,683				3,193					(61	)		(74	)
Long-term debt	6,066				5,139				4,374				3,956				3,967					18			53
Total interest-bearing liabilities	44,272				44,038				43,132				42,212				42,048					1			5
All other liabilities	1,442				1,435				1,450				1,167				1,043					—			38
Shareholders’ equity	6,573				6,517				6,416				6,374				6,292					1			4
Total liabilities and shareholders’ equity	$	69,304			$	67,883			$	66,251			$	64,932			$	63,473				2	%		9	%

(1)Includes nonaccrual loans

7

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Huntington Bancshares Incorporated

Consolidated Quarterly Net Interest Margin - Interest Income / Expense(1)

(Unaudited)

	Interest Income / Expense
	2015				2015				2015				2014				2014
(dollar amounts in thousands)	Third				Second				First				Fourth				Third
Assets
Interest-bearing deposits in banks	$	13			$	19			$	41			$	50			$	39
Loans held for sale	4,422				10,546				3,520				3,566				3,487
Securities:
Available-for-sale and other securities:
Taxable	52,141				51,525				47,856				47,531				43,066
Tax-exempt	16,671				15,875				14,288				13,718				12,245
Total available-for-sale and other securities	68,812				67,400				62,144				61,249				55,311
Trading account securities	128				104				155				128				107
Held-to-maturity securities - taxable	19,812				20,741				20,667				21,013				21,777
Total securities	88,752				88,245				82,966				82,390				77,195
Loans and leases:
Commercial:
Commercial and industrial	180,997				180,992				158,917				161,530				163,765
Commercial real estate:
Construction	9,917				8,825				8,462				9,034				8,673
Commercial	36,785				36,329				38,197				37,789				38,542
Commercial real estate	46,702				45,154				46,659				46,823				47,215
Total commercial	227,699				226,146				205,576				208,353				210,980
Consumer:
Automobile	72,341				64,575				70,140				71,449				68,786
Home equity	86,254				84,215				84,382				86,176				86,372
Residential mortgage	56,048				54,496				54,432				55,186				54,352
Other consumer	11,116				9,515				8,599				7,977				7,355
Total consumer	225,759				212,801				217,553				220,788				216,865
Total loans and leases	453,458				438,947				423,129				429,141				427,845
Total earning assets	$	546,645			$	537,757			$	509,656			$	515,147			$	508,566
Liabilities
Deposits:
Demand deposits - noninterest-bearing	$	—			$	—			$	—			$	—			$	—
Demand deposits - interest-bearing	1,211				984				693				588				601
Total demand deposits	1,211				984				693				588				601
Money market deposits	11,200				10,435				10,226				10,261				10,407
Savings and other domestic deposits	1,840				1,775				1,914				2,091				2,050
Core certificates of deposit	5,135				5,161				5,282				5,764				5,909
Total core deposits	19,386				18,355				18,115				18,704				18,967
Other domestic deposits of $250,000 or more	237				204				204				220				246
Brokered deposits and negotiable CDs	1,178				1,121				1,069				1,128				1,126
Deposits in foreign offices	163				185				179				156				121
Total deposits	20,964				19,865				19,567				20,208				20,460
Short-term borrowings	192				731				542				820				878
Long-term debt	21,866				18,513				14,302				13,345				13,387
Total interest bearing liabilities	43,022				39,109				34,411				34,373				34,725
Net interest income	$	503,623			$	498,648			$	475,245			$	480,774			$	473,841

(1)	Fully-taxable equivalent (FTE) income and expense calculated assuming a 35% tax rate. See page 10 for the FTE adjustment.

8

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Huntington Bancshares Incorporated

Consolidated Quarterly Net Interest Margin - Yield

(Unaudited)

	Average Rates(2)
	2015			2015			2015			2014			2014
Fully-taxable equivalent basis(1)	Third			Second			First			Fourth			Third
Assets
Interest-bearing deposits in banks	0.06	%		0.08	%		0.18	%		0.23	%		0.19	%
Loans held for sale	3.81			3.32			3.69			3.82			3.98
Securities:
Available-for-sale and other securities:
Taxable	2.51			2.60			2.50			2.61			2.48
Tax-exempt	3.12			3.13			3.05			3.26			3.02
Total available-for-sale and other securities	2.63			2.71			2.61			2.73			2.59
Trading account securities	0.97			1.00			1.17			1.05			0.85
Held-to-maturity securities - taxable	2.46			2.50			2.47			2.45			2.45
Total securities	2.59			2.65			2.57			2.65			2.54
Loans and leases:(3)
Commercial:
Commercial and industrial	3.58			3.61			3.33			3.35			3.45
Commercial real estate:
Construction	3.52			3.60			3.81			4.30			4.38
Commercial	3.43			3.41			3.57			3.47			3.60
Commercial real estate	3.45			3.45			3.62			3.60			3.72
Total commercial	3.55			3.58			3.39			3.40			3.51
Consumer:
Automobile	3.23			3.20			3.24			3.33			3.41
Home equity	4.01			3.97			4.03			4.05			4.07
Residential mortgage	3.71			3.72			3.75			3.84			3.78
Other consumer	8.88			8.45			8.20			7.68			7.31
Total consumer	3.75			3.73			3.74			3.80			3.82
Total loans and leases	3.65			3.65			3.56			3.60			3.66
Total earning assets	3.42			3.45			3.38			3.41			3.44
Liabilities
Deposits:
Demand deposits - noninterest-bearing	—			—			—			—			—
Demand deposits - interest-bearing	0.07			0.06			0.05			0.04			0.04
Total demand deposits	0.02			0.02			0.01			0.01			0.01
Money market deposits	0.23			0.22			0.21			0.22			0.23
Savings and other domestic deposits	0.14			0.14			0.15			0.16			0.16
Core certificates of deposit	0.80			0.78			0.76			0.75			0.74
Total core deposits	0.23			0.22			0.22			0.23			0.23
Other domestic deposits of $250,000 or more	0.43			0.44			0.42			0.43			0.44
Brokered deposits and negotiable CDs	0.17			0.17			0.17			0.18			0.20
Deposits in foreign offices	0.13			0.13			0.13			0.13			0.13
Total deposits	0.22			0.22			0.22			0.23			0.23
Short-term borrowings	0.09			0.14			0.12			0.12			0.11
Long-term debt	1.44			1.44			1.31			1.35			1.35
Total interest-bearing liabilities	0.39			0.36			0.32			0.32			0.33
Net interest rate spread	3.03			3.09			3.06			3.09			3.11
Impact of noninterest-bearing funds on margin	0.13			0.11			0.09			0.09			0.09
Net interest margin	3.16	%		3.20	%		3.15	%		3.18	%		3.20	%

Commercial Loan Derivative Impact

(Unaudited)

	Average Rates (2)
	2015			2015			2015			2014			2014
Fully-taxable equivalent basis(1)	Third			Second			First			Fourth			Third
Commercial loans(2)(3)	3.36	%		3.38	%		3.18	%		3.20	%		3.30	%
Impact of commercial loan derivatives	0.19			0.20			0.21			0.20			0.21
Total commercial - as reported	3.55	%		3.58	%		3.39	%		3.40	%		3.51	%
Average 30 day LIBOR	0.20	%		0.18	%		0.17	%		0.16	%		0.15	%

(1)	Fully-taxable equivalent (FTE) yields are calculated assuming a 35% tax rate. See page 10 for the FTE adjustment.

(2)	Loan, lease, and deposit average rates include impact of applicable derivatives, non-deferrable fees, and amortized fees.

(3)	Includes the impact of nonaccrual loans.

9

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Huntington Bancshares Incorporated

Selected Quarterly Income Statement Data(1)

(Unaudited)

	2015				2015				2015				2014				2014
(dollar amounts in thousands, except per share amounts)	Third				Second				First				Fourth				Third
Interest income	$	538,477			$	529,795			$	502,096			$	507,625			$	501,060
Interest expense	43,022				39,109				34,411				34,373				34,725
Net interest income	495,455				490,686				467,685				473,252				466,335
Provision for credit losses	22,476				20,419				20,591				2,494				24,480
Net interest income after provision for credit losses	472,979				470,267				447,094				470,758				441,855
Service charges on deposit accounts	75,157				70,118				62,220				67,408				69,118
Trust services	24,972				26,550				29,039				28,781				28,045
Electronic banking	30,832				30,259				27,398				27,993				27,275
Mortgage banking income	18,956				38,518				22,961				14,030				25,051
Brokerage income	15,059				15,184				15,500				16,050				17,155
Insurance income	16,204				17,637				15,895				16,252				16,729
Bank owned life insurance income	12,719				13,215				13,025				14,988				14,888
Capital markets fees	12,741				13,192				13,905				13,791				10,246
Gain on sale of loans	5,873				12,453				4,589				5,408				8,199
Securities gains (losses)	188				82				—				(104		)		198
Other income	40,418				44,565				27,091				28,681				30,445
Total noninterest income	253,119				281,773				231,623				233,278				247,349
Personnel costs	286,270				282,135				264,916				263,289				275,409
Outside data processing and other services	58,535				58,508				50,535				53,685				53,073
Net occupancy	29,061				28,861				31,020				31,565				34,405
Equipment	31,303				31,694				30,249				31,981				30,183
Professional services	11,961				12,593				12,727				15,665				13,763
Marketing	12,179				15,024				12,975				12,466				12,576
Deposit and other insurance expense	11,550				11,787				10,167				13,099				11,628
Amortization of intangibles	3,913				9,960				10,206				10,653				9,813
Other expense	81,736				41,215				36,062				50,868				39,468
Total noninterest expense	526,508				491,777				458,857				483,271				480,318
Income before income taxes	199,590				260,263				219,860				220,765				208,886
Provision for income taxes	47,002				64,057				54,006				57,151				53,870
Net income	$	152,588			$	196,206			$	165,854			$	163,614			$	155,016
Dividends on preferred shares	7,968				7,968				7,965				7,963				7,964
Net income applicable to common shares	$	144,620			$	188,238			$	157,889			$	155,651			$	147,052
Average common shares - basic	800,883				806,891				809,778				811,967				816,497
Average common shares - diluted	814,326				820,238				823,809				825,338				829,623
Per common share
Net income - basic	0.18				0.23				0.19				0.19				0.18
Net income - diluted	0.18				0.23				0.19				0.19				0.18
Cash dividends declared	0.06				0.06				0.06				0.06				0.05
Revenue - fully-taxable equivalent (FTE)
Net interest income	$	495,455			$	490,686			$	467,685			$	473,252			$	466,335
FTE adjustment	8,168				7,962				7,560				7,522				7,506
Net interest income(2)	503,623				498,648				475,245				480,774				473,841
Noninterest income	253,119				281,773				231,623				233,278				247,349
Total revenue(2)	$	756,742			$	780,421			$	706,868			$	714,052			$	721,190

(1)	Comparisons for presented periods are impacted by a number of factors. Refer to Significant Items.

(2)	On a fully-taxable equivalent (FTE) basis assuming a 35% tax rate.

10

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Huntington Bancshares Incorporated

Quarterly Mortgage Banking Income

(Unaudited)

	2015				2015				2015				2014				2014					Percent Changes vs.
(dollar amounts in thousands, except as noted)	Third				Second				First				Fourth				Third					2Q15			3Q14
Mortgage banking income
Origination and secondary marketing	$	20,005			$	26,350			$	20,032			$	12,940			$	15,546				(24	)%		29	%
Servicing fees	10,763				10,677				10,842				8,004				10,786					1			—
Amortization of capitalized servicing	(6,080		)		(6,965		)		(6,979		)		(6,050		)		(6,119		)			(13	)		(1	)
Other mortgage banking income	2,691				2,467				3,549				2,912				4,075					9			(34	)
Subtotal	27,379				32,529				27,444				17,806				24,288					(16	)		13
MSR valuation adjustment(1)	(14,113		)		14,525				(9,164		)		(7,080		)		989					N.R.			N.R.
Net trading gains (losses) related to MSR hedging	5,690				(8,536		)		4,681				3,304				(226		)			N.R.			N.R.
Total mortgage banking income	$	18,956			$	38,518			$	22,961			$	14,030			$	25,051				(51	)%		(24	)%
Mortgage originations (in millions)	$	1,259			$	1,454			$	980			$	922			$	997				(13	)%		26	%
Capitalized mortgage servicing rights(2)	153,532				163,808				145,909				155,598				161,900					(6	)		(5	)
Total mortgages serviced for others (in millions)(2)	15,941				15,722				15,569				15,637				15,593					1			2
MSR % of investor servicing portfolio(2)	0.96		%		1.04		%		0.94		%		1.00		%		1.04		%			(8	)		(8	)
Net impact of MSR hedging
MSR valuation adjustment(1)	$	(14,113	)		$	14,525			$	(9,164	)		$	(7,080	)		$	989				N.R.			N.R.
Net trading gains (losses) related to MSR hedging	5,690				(8,536		)		4,681				3,304				(226		)			N.R.			N.R.
Net gain (loss) of MSR hedging	$	(8,423	)		$	5,989			$	(4,483	)		$	(3,776	)		$	763				N.R.			N.R.

N.R.	Not relevant

(1)	The change in fair value for the period represents the MSR valuation adjustment, net of amortization of capitalized servicing.

(2)	At period end.

11

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Huntington Bancshares Incorporated

Quarterly Credit Reserves Analysis

(Unaudited)

	2015				2015				2015				2014				2014
(dollar amounts in thousands)	Third				Second				First				Fourth				Third
Allowance for loan and lease losses, beginning of period	$	599,542			$	605,126			$	605,196			$	631,036			$	635,101
Loan and lease losses	(60,875		)		(46,970		)		(55,075		)		(56,252		)		(58,511		)
Recoveries of loans previously charged off	44,712				21,595				30,643				33,277				28,488
Net loan and lease losses	(16,163		)		(25,375		)		(24,432		)		(22,975		)		(30,023		)
Provision for loan and lease losses	13,624				19,790				26,655				(2,863		)		25,958
Allowance of assets sold or transferred to loans held for sale	(5,065		)		1				(2,293		)		(2		)		—
Allowance for loan and lease losses, end of period	591,938				599,542				605,126				605,196				631,036
Allowance for unfunded loan commitments and letters of credit, beginning of period	55,371				54,742				60,806				55,449				56,927
Provision for (reduction in) unfunded loan commitments and letters of credit losses	8,852				629				(6,064		)		5,357				(1,478		)
Allowance for unfunded loan commitments and letters of credit, end of period	64,223				55,371				54,742				60,806				55,449
Total allowance for credit losses, end of period	$	656,161			$	654,913			$	659,868			$	666,002			$	686,485
Allowance for loan and lease losses (ALLL) as % of:
Total loans and leases	1.19		%		1.23		%		1.27		%		1.27		%		1.35		%
Nonaccrual loans and leases (NALs)	166				165				166				202				194
Nonperforming assets (NPAs)	155				151				151				179				173
Total allowance for credit losses (ACL) as % of:
Total loans and leases	1.32		%		1.34		%		1.38		%		1.40		%		1.47		%
Nonaccrual loans and leases	184				180				181				222				211
Nonperforming assets	172				165				165				197				188

12

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Huntington Bancshares Incorporated

Quarterly Net Charge-Off Analysis

(Unaudited)

	2015				2015				2015				2014				2014
(dollar amounts in thousands)	Third				Second				First				Fourth				Third
Net charge-offs (recoveries) by loan and lease type:
Commercial:
Commercial and industrial	$	9,858			$	4,411			$	11,403			$	333			$	12,587
Commercial real estate:
Construction	(309		)		164				(383		)		(1,747		)		2,171
Commercial	(13,512		)		5,361				(3,629		)		1,565				(8,178		)
Commercial real estate	(13,821		)		5,525				(4,012		)		(182		)		(6,007		)
Total commercial	(3,963		)		9,936				7,391				151				6,580
Consumer:
Automobile	4,908				3,442				4,248				6,024				3,976
Home equity	5,869				4,650				4,625				6,321				6,448
Residential mortgage	2,010				2,142				2,816				3,059				5,428
Other consumer	7,339				5,205				5,352				7,420				7,591
Total consumer	20,126				15,439				17,041				22,824				23,443
Total net charge-offs	$	16,163			$	25,375			$	24,432			$	22,975			$	30,023
Net charge-offs (recoveries)—annualized percentages:
Commercial:
Commercial and industrial	0.20		%		0.09		%		0.24		%		0.01		%		0.27		%
Commercial real estate:
Construction	(0.11		)		0.07				(0.17		)		(0.85		)		1.12
Commercial	(1.29		)		0.51				(0.34		)		0.15				(0.78		)
Commercial real estate	(1.04		)		0.43				(0.31		)		(0.01		)		(0.48		)
Total commercial	(0.06		)		0.16				0.12				—				0.11
Consumer:
Automobile	0.22				0.17				0.19				0.28				0.20
Home equity	0.28				0.22				0.22				0.30				0.31
Residential mortgage	0.13				0.15				0.19				0.21				0.38
Other consumer	5.91				4.61				5.03				7.20				7.61
Total consumer	0.34				0.27				0.29				0.39				0.42
Net charge-offs as a % of average loans	0.13		%		0.21		%		0.20		%		0.20		%		0.26		%

13

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Huntington Bancshares Incorporated

Quarterly Nonaccrual Loans and Leases (NALs) and Nonperforming Assets (NPAs)

(Unaudited)

	2015				2015				2015				2014				2014
(dollar amounts in thousands)	September 30,				June 30,				March 31,				December 31,				September 30,
Nonaccrual loans and leases (NALs): (1)
Commercial and industrial	$	157,902			$	149,713			$	133,363			$	71,974			$	90,265
Commercial real estate	27,516				43,888				49,263				48,523				59,812
Automobile	5,551				4,190				4,448				4,623				4,834
Residential mortgage	98,908				91,198				98,093				96,564				98,139
Home equity	66,446				75,282				79,169				78,515				72,715
Other consumer	154				68				77				45				—
Total nonaccrual loans and leases	356,477				364,339				364,413				300,244				325,765
Other real estate, net:
Residential	21,637				25,660				30,544				29,291				30,661
Commercial	3,273				3,572				3,407				5,748				5,609
Total other real estate, net	24,910				29,232				33,951				35,039				36,270
Other NPAs (2)	—				2,440				2,440				2,440				2,440
Total nonperforming assets	$	381,387			$	396,011			$	400,804			$	337,723			$	364,475
Nonaccrual loans and leases as a % of total loans and leases	0.72		%		0.75		%		0.76		%		0.63		%		0.70		%
NPA ratio(3)	0.77				0.81				0.84				0.71				0.78
(NPA+90days)/(Loan+OREO)(4)	0.98				1.03				1.08				0.98				1.08

	2015				2015				2015				2014				2014
	September 30,				June 30,				March 31,				December 31,				September 30,
Nonperforming assets, beginning of period	$	396,011			$	400,804			$	337,723			$	364,475			$	362,092
New nonperforming assets	139,604				125,105				162,862				87,022				102,834
Returns to accruing status	(13,641		)		(46,120		)		(17,968		)		(20,024		)		(24,884		)
Loan and lease losses	(45,667		)		(33,797		)		(41,574		)		(36,108		)		(36,387		)
Payments	(78,516		)		(38,396		)		(30,578		)		(48,645		)		(29,121		)
Sales and transfers to held-for-sale	(16,404		)		(11,585		)		(9,661		)		(8,997		)		(10,059		)
Nonperforming assets, end of period	$	381,387			$	396,011			$	400,804			$	337,723			$	364,475

(1)	Excludes loans transferred to held-for-sale.

(2)	Other nonperforming assets includes certain impaired investment securities.

(3)	Nonperforming assets divided by the sum of loans and leases, net other real estate owned, and other NPAs.

(4)	The sum of nonperforming assets and total accruing loans and leases past due 90 days or more divided by the sum of loans and leases and other real estate.

14

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Huntington Bancshares Incorporated

Quarterly Accruing Past Due Loans and Leases and Accruing and Nonaccruing Troubled Debt Restructured Loans

(Unaudited)

	2015				2015				2015				2014				2014
(dollar amounts in thousands)	September 30,				June 30,				March 31,				December 31,				September 30,
Accruing loans and leases past due 90 days or more:
Commercial and industrial	$	6,571			$	6,621			$	5,935			$	4,937			$	7,458
Commercial real estate	12,178				10,920				16,351				18,793				26,285
Automobile	6,873				4,269				4,746				5,703				4,827
Residential mortgage (excluding loans guaranteed by the U.S. Government)	17,492				21,869				21,034				33,040				33,331
Home equity	10,764				11,713				11,132				12,159				14,809
Other consumer	1,087				846				727				837				638
Total, excl. loans guaranteed by the U.S. Government	54,965				56,238				59,925				75,469				87,348
Add: loans guaranteed by U.S. Government	50,643				50,640				53,010				55,012				54,778
Total accruing loans and leases past due 90 days or more, including loans guaranteed by the U.S. Government	$	105,608			$	106,878			$	112,935			$	130,481			$	142,126
Ratios:
Excluding loans guaranteed by the U.S. Government, as a percent of total loans and leases	0.11		%		0.12		%		0.13		%		0.16		%		0.19		%
Guaranteed by U.S. Government, as a percent of total loans and leases	0.10				0.10				0.11				0.12				0.11
Including loans guaranteed by the U.S. Government, as a percent of total loans and leases	0.21				0.22				0.24				0.27				0.30
Accruing troubled debt restructured loans:
Commercial and industrial	$	241,327			$	233,346			$	162,207			$	116,331			$	89,783
Commercial real estate	103,767				158,056				161,515				177,156				186,542
Automobile	24,537				24,774				25,876				26,060				31,480
Home equity	(1)	192,356			279,864				265,207				252,084				229,500
Residential mortgage	277,154				266,986				268,441				265,084				271,762
Other consumer	4,569				4,722				4,879				4,018				3,313
Total accruing troubled debt restructured loans	$	843,710			$	967,748			$	888,125			$	840,733			$	812,380
Nonaccruing troubled debt restructured loans:
Commercial and industrial	$	54,933			$	46,303			$	21,246			$	20,580			$	19,110
Commercial real estate	12,806				19,490				28,676				24,964				28,618
Automobile	5,400				4,030				4,283				4,552				4,817
Home equity	(2)	19,188			26,568				26,379				27,224				25,149
Residential mortgage	68,577				65,415				69,799				69,305				72,729
Other consumer	152				160				165				70				74
Total nonaccruing troubled debt restructured loans	$	161,056			$	161,966			$	150,548			$	146,695			$	150,497

(1)	Excludes approximately $87.9 million in home equity TDRs transferred to held-for-sale.

(2)	Excludes approximately $8.9 million in home equity TDRs transferred to held-for-sale.

15

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Huntington Bancshares Incorporated

Quarterly Capital Under Current Regulatory Standards (Basel III) and Other Capital Data

(Unaudited)

	2015				2015				2015
(dollar amounts in millions except per share amounts)	September 30,				June 30,				March 31,
Common equity tier 1 risk-based capital ratio:(1)
Total shareholders’ equity	$	6,583			$	6,496			$	6,462
Regulatory capital adjustments:
Shareholders’ preferred equity	(386		)		(386		)		(386		)
Accumulated other comprehensive income offset	140				186				161
Goodwill and other intangibles, net of related taxes	(697		)		(701		)		(700		)
Deferred tax assets that arise from tax loss and credit carryforwards	(15		)		(15		)		(36		)
Common equity tier 1 capital	5,625				5,580				5,501
Additional tier 1 capital
Shareholders’ preferred equity	386				386				386
Qualifying capital instruments subject to phase-out	76				76				76
Other	(22		)		(22		)		(53		)
Tier 1 capital	6,065				6,020				5,910
Long-term debt and other tier 2 qualifying instruments	623				623				648
Qualifying allowance for loan and lease losses	656				655				660
Other	—				—				—
Tier 2 capital	1,279				1,278				1,308
Total risk-based capital	$	7,344			$	7,298			$	7,218
Risk-weighted assets (RWA)(1)	57,839				57,850				57,840
Common equity tier 1 risk-based capital ratio(1)	9.72		%		9.65		%		9.51		%
Other regulatory capital data:
Tier 1 leverage ratio(1)	8.85		%		8.98		%		9.04		%
Tier 1 risk-based capital ratio(1)	10.49				10.41				10.22
Total risk-based capital ratio(1)	12.70				12.62				12.48
Tangible common equity / RWA ratio(1)	9.48				9.32				9.25

(1)	September 30, 2015, figures are estimated and are presented on a Basel III basis, including the standardized approach for calculating risk-weighted assets.

16

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Huntington Bancshares Incorporated

Quarterly Common Stock Summary, Non-Regulatory Capital, and Other Data

(Unaudited)

Quarterly common stock summary

	2015				2015				2015				2014				2014
	Third				Second				First				Fourth				Third
Common stock price, per share
High(1)	$	11.900			$	11.720			$	11.300			$	10.740			$	10.300
Low(1)	10.000				10.670				9.630				8.800				9.290
Close	10.600				11.310				11.050				10.520				9.730
Average closing price	11.157				11.192				10.559				9.972				9.790
Dividends, per share
Cash dividends declared per common share	$	0.06			$	0.06			$	0.06			$	0.06			$	0.05
Common shares outstanding
Average - basic	800,883				806,891				809,778				811,967				816,497
Average - diluted	814,326				820,238				823,809				825,338				829,623
Ending	796,659				803,066				808,528				811,455				814,454
Tangible book value per common share(2)	$	6.88			$	6.71			$	6.62			$	6.62			$	6.53
Common share repurchases
Number of shares repurchased	6,764				8,834				4,949				3,605				5,438

Non-regulatory capital

	2015				2015				2015				2014				2014
(dollar amounts in millions)	September 30,				June 30,				March 31,				December 31,				September 30,
Calculation of tangible equity / asset ratio:
Total shareholders’ equity	$	6,583			$	6,496			$	6,462			$	6,328			$	6,284
Less: goodwill	(677		)		(678		)		(678		)		(523		)		(523		)
Less: other intangible assets	(59		)		(63		)		(73		)		(75		)		(85		)
Add: related deferred tax liability(2)	21				22				25				26				30
Total tangible equity	5,868				5,777				5,736				5,756				5,706
Less: preferred equity	(386		)		(386		)		(386		)		(386		)		(386		)
Total tangible common equity	$	5,482			$	5,391			$	5,350			$	5,370			$	5,320
Total assets	$	70,210			$	68,846			$	68,003			$	66,298			$	64,331
Less: goodwill	(677		)		(678		)		(678		)		(523		)		(523		)
Less: other intangible assets	(59		)		(63		)		(73		)		(75		)		(85		)
Add: related deferred tax liability(2)	21				22				25				26				30
Total tangible assets	$	69,495			$	68,127			$	67,277			$	65,726			$	63,753
Tangible equity / tangible asset ratio	8.44		%		8.48		%		8.53		%		8.76		%		8.95		%
Tangible common equity / tangible asset ratio	7.89				7.91				7.95				8.17				8.35
Tier 1 leverage ratio(4)	N.A.				N.A.				N.A.				9.74				9.83
Tier 1 risk-based capital ratio(4)	N.A.				N.A.				N.A.				11.50				11.61
Total risk-based capital ratio(4)	N.A.				N.A.				N.A.				13.56				13.72
Tangible common equity / risk-weighted assets ratio(4)	N.A.				N.A.				N.A.				9.86				9.99
Other data:
Number of employees (Average full-time equivalent)	12,367				12,274				11,914				11,875				11,946
Number of domestic full-service branches(3)	756				735				733				729				753

(1)	High and low stock prices are intra-day quotes obtained from Bloomberg.

(2)	Other intangible assets are net of deferred tax liability, and calculated assuming a 35% tax rate.

(3)	Includes Regional Banking and The Huntington Private Client Group offices.

(4)	Ratios are calculated on the Basel I basis.

N.A.	On January 1, 2015, we became subject to the Basel III capital requirements and the standardized approach for calculating risk-weighted assets in accordance with subpart D of the final capital rule. See page 16 for Basel III capital ratios.

17

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Huntington Bancshares Incorporated

Consolidated Year to Date Average Balance Sheets

(Unaudited)

	YTD Average Balances
	Nine Months Ended September 30,								Change
(dollar amounts in millions)	2015				2014				Amount				Percent
Assets
Interest-bearing deposits in banks	$	90			$	85			$	5			6	%
Loans held for sale	706				306				400				131
Securities:
Available-for-sale and other securities:
Taxable	7,966				6,615				1,351				20
Tax-exempt	2,014				1,344				670				50
Total available-for-sale and other securities	9,980				7,959				2,021				25
Trading account securities	49				45				4				9
Held-to-maturity securities - taxable	3,299				3,671				(372		)		(10	)
Total securities	13,328				11,675				1,653				14
Loans and leases:(1)
Commercial:
Commercial and industrial	19,581				18,161				1,420				8
Commercial real estate:
Construction	987				697				290				42
Commercial	4,227				4,274				(47		)		(1	)
Commercial real estate	5,214				4,971				243				5
Total commercial	24,795				23,132				1,663				7
Consumer:
Automobile	8,582				7,387				1,195				16
Home equity	8,504				8,376				128				2
Residential mortgage	5,906				5,579				327				6
Other consumer	458				389				69				18
Total consumer	23,450				21,731				1,719				8
Total loans and leases	48,245				44,863				3,382				8
Allowance for loan and lease losses	(610		)		(641		)		31				(5	)
Net loans and leases	47,635				44,222				3,413				8
Total earning assets	62,369				56,929				5,440				10
Cash and due from banks	1,140				888				252				28
Intangible assets	693				570				123				22
All other assets	4,231				3,934				297				8
Total assets	$	67,823			$	61,680			$	6,143			10	%
Liabilities and shareholders’ equity
Deposits:
Demand deposits - noninterest-bearing	$	16,061			$	13,586			$	2,475			18	%
Demand deposits - interest-bearing	6,455				5,878				577				10
Total demand deposits	22,516				19,464				3,052				16
Money market deposits	19,228				17,753				1,475				8
Savings and other domestic deposits	5,222				5,025				197				4
Core certificates of deposit	2,661				3,403				(742		)		(22	)
Total core deposits	49,627				45,645				3,982				9
Other domestic deposits of $250,000 or more	199				256				(57		)		(22	)
Brokered deposits and negotiable CDs	2,694				2,040				654				32
Deposits in foreign offices	537				339				198				58
Total deposits	53,057				48,280				4,777				10
Short-term borrowings	1,623				2,787				(1,164		)		(42	)
Long-term debt	5,199				3,340				1,859				56
Total interest-bearing liabilities	43,818				40,821				2,997				7
All other liabilities	1,442				1,038				404				39
Shareholders’ equity	6,502				6,235				267				4
Total liabilities and shareholders’ equity	$	67,823			$	61,680			$	6,143			10	%

(1)	Includes nonaccrual loans.

18

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Huntington Bancshares Incorporated

Consolidated Year to Date Net Interest Margin - Interest Income / Expense(1)

(Unaudited)

	YTD Interest Income / Expense
	Nine Months Ended September 30,
(dollar amounts in thousands)	2015				2014
Assets
Interest-bearing deposits in banks	$	73			$	53
Loans held for sale	18,488				9,162
Securities:
Available-for-sale and other securities:
Taxable	151,522				123,549
Tax-exempt	46,834				30,844
Total available-for-sale and other securities	198,356				154,393
Trading account securities	387				293
Held-to-maturity securities - taxable	61,220				67,711
Total securities	259,963				222,397
Loans and leases:
Commercial:
Commercial and industrial	520,906				481,954
Commercial real estate:
Construction	27,204				22,380
Commercial	111,311				125,403
Commercial real estate	138,515				147,783
Total commercial	659,421				629,737
Consumer:
Automobile	207,056				191,482
Home equity	254,851				257,105
Residential mortgage	164,976				158,082
Other consumer	29,230				20,847
Total consumer	656,113				627,516
Total loans and leases	1,315,534				1,257,253
Total earning assets	1,594,058				1,488,865
Liabilities
Deposits:
Demand deposits - noninterest-bearing	$	—			$	—
Demand deposits - interest-bearing	2,888				1,684
Total demand deposits	2,888				1,684
Money market deposits	31,861				31,895
Savings and other domestic deposits	5,529				6,688
Core certificates of deposit	15,578				21,234
Total core deposits	55,856				61,501
Other domestic deposits of $250,000 or more	645				816
Brokered deposits and negotiable CDs	3,368				3,600
Deposits in foreign offices	527				327
Total deposits	60,396				66,244
Short-term borrowings	1,465				2,122
Long-term debt	54,681				36,582
Total interest-bearing liabilities	116,542				104,948
Net interest income	$	1,477,516			$	1,383,917

(1)	Fully-taxable equivalent (FTE) income and expense calculated assuming a 35% tax rate. See page 21 for the FTE adjustment.

19

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Huntington Bancshares Incorporated

Consolidated Year to Date Net Interest Margin - Yield

(Unaudited)

	YTD Average Rates(2)
	Nine Months Ended September 30,
Fully-taxable equivalent basis(1)	2015			2014
Assets
Interest-bearing deposits in banks	0.11	%		0.08	%
Loans held for sale	3.49			3.99
Securities:
Available-for-sale and other securities:
Taxable	2.54			2.49
Tax-exempt	3.10			3.06
Total available-for-sale and other securities	2.65			2.59
Trading account securities	1.06			0.87
Held-to-maturity securities - taxable	2.47			2.46
Total securities	2.60			2.54
Loans and leases:(3)
Commercial:
Commercial and industrial	3.51			3.50
Commercial real estate:
Construction	3.64			4.24
Commercial	3.47			3.87
Commercial real estate	3.50			3.92
Total commercial	3.51			3.59
Consumer:
Automobile	3.23			3.47
Home equity	4.01			4.10
Residential mortgage	3.72			3.78
Other consumer	8.53			7.16
Total consumer	3.74			3.86
Total loans and leases	3.62			3.72
Total earning assets	3.42	%		3.50	%
Liabilities
Deposits:
Demand deposits - noninterest-bearing	—	%		—	%
Demand deposits - interest-bearing	0.06			0.04
Total demand deposit	0.02			0.01
Money market deposits	0.22			0.24
Savings and other domestic deposits	0.14			0.18
Core certificates of deposit	0.78			0.83
Total core deposits	0.22			0.26
Other domestic deposits of $250,000 or more	0.43			0.43
Brokered deposits and negotiable CDs	0.17			0.24
Deposits in foreign offices	0.13			0.13
Total deposits	0.22			0.26
Short-term borrowings	0.12			0.10
Long-term debt	1.40			1.46
Total interest bearing liabilities	0.36			0.34
Net interest rate spread	3.06			3.15
Impact of noninterest-bearing funds on margin	0.11			0.10
Net interest margin	3.17	%		3.25	%

Commercial Loan Derivative Impact

(Unaudited)

	YTD Average Rates
	Nine Months Ended September 30,
Fully-taxable equivalent basis(1)	2015			2014
Commercial loans(2)(3)	3.31	%		3.36	%
Impact of commercial loan derivatives	0.20	%		0.23	%
Total commercial - as reported	3.51	%		3.59	%
Average 30 day LIBOR	0.20	%		0.15	%

(1)	Fully-taxable equivalent (FTE) yields are calculated assuming a 35% tax rate. See page 21 for the FTE adjustment.

(2)	Loan and lease and deposit average rates include impact of applicable derivatives, non-deferrable fees, and amortized fees.

(3)	Includes the impact of nonacrrual loans.

20

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Huntington Bancshares Incorporated

Selected Year to Date Income Statement Data(1)

(Unaudited)

	Nine Months Ended September 30,								Change
(dollar amounts in thousands, except per share amounts)	2015				2014				Amount				Percent
Interest income	$	1,570,368			$	1,468,837			$	101,531			7	%
Interest expense	116,542				104,948				11,594				11
Net interest income	1,453,826				1,363,889				89,937				7
Provision for credit losses	63,486				78,495				(15,009		)		(19	)
Net interest income after provision for credit losses	1,390,340				1,285,394				104,946				8
Service charges on deposit accounts	207,495				206,333				1,162				1
Trust services	80,561				87,191				(6,630		)		(8	)
Electronic banking	88,489				77,408				11,081				14
Mortgage banking income	80,435				70,857				9,578				14
Brokerage income	45,743				52,227				(6,484		)		(12	)
Insurance income	49,736				49,221				515				1
Bank owned life insurance income	38,959				42,060				(3,101		)		(7	)
Capital markets fees	39,838				29,940				9,898				33
Gain on sale of loans	22,915				15,683				7,232				46
Securities gains (losses)	270				17,658				(17,388		)		(98	)
Other income	112,074				97,323				14,751				15
Total noninterest income	766,515				745,901				20,614				3
Personnel costs	833,321				785,486				47,835				6
Outside data processing and other services	167,578				158,901				8,677				5
Net occupancy	88,942				96,511				(7,569		)		(8	)
Equipment	93,246				87,682				5,564				6
Professional services	37,281				43,890				(6,609		)		(15	)
Marketing	40,178				38,094				2,084				5
Deposit and other insurance expense	33,504				35,945				(2,441		)		(7	)
Amortization of intangibles	24,079				28,624				(4,545		)		(16	)
Other expense	159,013				123,942				35,071				28
Total noninterest expense	1,477,142				1,399,075				78,067				6
Income before income taxes	679,713				632,220				47,493				8
Provision for income taxes	165,065				163,442				1,623				1
Net income	514,648				468,778				45,870				10
Dividends on preferred shares	23,901				23,891				10				—
Net income applicable to common shares	$	490,747			$	444,887			$	45,860			10	%
Average common shares - basic	805,851				820,884				(15,033		)		(2	)%
Average common shares - diluted	819,458				833,927				(14,469		)		(2	)
Per common share
Net income - basic	$	0.61			$	0.54			$	0.07			13
Net income - diluted	0.60				0.53				0.07				13
Cash dividends declared	0.18				0.15				0.03				20
Revenue - fully taxable equivalent (FTE)
Net interest income	$	1,453,826			$	1,363,889			$	89,937			7
FTE adjustment(2)	23,690				20,028				3,662				18
Net interest income	1,477,516				1,383,917				93,599				7
Noninterest income	766,515				745,901				20,614				3
Total revenue	$	2,244,031			$	2,129,818			$	114,213			5	%

 

(1)	Comparisons for presented periods are impacted by a number of factors. Refer to Significant Items.

(2)	On a fully-taxable equivalent (FTE) basis assuming a 35% tax rate.

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Huntington Bancshares Incorporated

Year to Date Mortgage Banking Income

(Unaudited)

	Nine Months Ended September 30,								Change
(dollar amounts in thousands, except as noted)	2015				2014				Amount				Percent
Mortgage banking income
Origination and secondary marketing	$	66,387			$	44,332			$	22,055			50	%
Servicing fees	32,282				32,598				(316		)		(1	)
Amortization of capitalized servicing	(20,024		)		(18,052		)		(1,972		)		(11	)
Other mortgage banking income	8,707				11,822				(3,115		)		(26	)
Subtotal	87,352				70,700				16,652				24
MSR valuation adjustment(1)	(8,752		)		(3,654		)		(5,098		)		(140	)
Net trading gains (losses) related to MSR hedging	1,835				3,811				(1,976		)		(52	)
Total mortgage banking income	$	80,435			$	70,857			$	9,578			14	%
Mortgage originations (in millions)	$	3,693			$	2,636			$	1,057			40	%
Capitalized mortgage servicing rights(2)	153,532				161,900				(8,368		)		(5	)
Total mortgages serviced for others (in millions)(2)	15,941				15,593				348				2
MSR % of investor servicing portfolio	0.96		%		1.04		%		0.01		%		(8	)
Net impact of MSR hedging
MSR valuation adjustment(1)	$	(8,752	)		$	(3,654	)		$	(5,098	)		(140	)
Net trading gains (losses) related to MSR hedging	1,835				3,811				(1,976		)		(52	)
Net gain (loss) on MSR hedging	$	(6,917	)		$	157			N.R.				N.R.

N.R.	Not relevant

(1)	The change in fair value for the period represents the MSR valuation adjustment, net of amortization of capitalized servicing.

(2)	At period end.

22

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Huntington Bancshares Incorporated

Year to Date Credit Reserves Analysis

(Unaudited)

	Nine Months Ended September 30,
(dollar amounts in thousands)	2015				2014
Allowance for loan and lease losses, beginning of period	$	605,196			$	647,870
Loan and lease losses	(162,920		)		(190,349		)
Recoveries of loans previously charged off	96,950				88,697
Net loan and lease losses	(65,970		)		(101,652		)
Provision for loan and lease losses	60,069				85,945
Allowance of assets sold or transferred to loans held for sale	(7,357		)		(1,127		)
Allowance for loan and lease losses, end of period	591,938				631,036
Allowance for unfunded loan commitments and letters of credit, beginning of period	$	60,806			$	62,899
Provision for (reduction in) unfunded loan commitments and letters of credit losses	3,417				(7,450		)
Allowance for unfunded loan commitments and letters of credit, end of period	64,223				55,449
Total allowance for credit losses	$	656,161			$	686,485
Allowance for loan and lease losses (ALLL) as % of:
Total loans and leases	1.19		%		1.35		%
Nonaccrual loans and leases (NALs)	166				194
Nonperforming assets (NPAs)	155				173
Total allowance for credit losses (ACL) as % of:
Total loans and leases	1.32		%		1.47		%
Nonaccrual loans and leases (NALs)	184				211
Nonperforming assets (NPAs)	172				188

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Huntington Bancshares Incorporated

Year to Date Net Charge-Off Analysis

(Unaudited)

	Nine Months Ended September 30,
(dollar amounts in thousands)	2015				2014
Net charge-offs by loan and lease type:
Commercial:
Commercial and industrial	$	25,672			$	31,790
Commercial real estate:
Construction	(528		)		2,918
Commercial	(11,780		)		(12,103		)
Commercial real estate	(12,308		)		(9,185		)
Total commercial	13,364				22,605
Consumer:
Automobile	12,598				11,544
Home equity	15,144				30,626
Residential mortgage	6,968				16,693
Other consumer	17,896				20,184
Total consumer	52,606				79,047
Total net charge-offs	$	65,970			$	101,652
Net charge-offs - annualized percentages:
Commercial:
Commercial and industrial	0.17		%		0.23		%
Commercial real estate:
Construction	(0.07		)		0.56
Commercial	(0.37		)		(0.38		)
Commercial real estate	(0.31		)		(0.25		)
Total commercial	0.07				0.13
Consumer:
Automobile	0.20				0.21
Home equity	0.24				0.49
Residential mortgage	0.16				0.40
Other consumer	5.21				6.91
Total consumer	0.30				0.48
Net charge-offs as a % of average loans	0.18		%		0.30		%

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Huntington Bancshares Incorporated

Year to Date Nonaccrual Loans and Leases (NALs) and Nonperforming Assets (NPAs)

(Unaudited)

	September 30,
(dollar amounts in thousands)	2015				2014
Nonaccrual loans and leases (NALs): (1)
Commercial and industrial	$	157,902			$	90,265
Commercial real estate	27,516				59,812
Automobile	5,551				4,834
Residential mortgage	98,908				98,139
Home equity	66,446				72,715
Other consumer	154				—
Total nonaccrual loans and leases	356,477				325,765
Other real estate, net:
Residential	21,637				30,661
Commercial	3,273				5,609
Total other real estate, net	24,910				36,270
Other NPAs(2)	—				2,440
Total nonperforming assets (4)	$	381,387			$	364,475
Nonaccrual loans and leases as a % of total loans and leases	0.72		%		0.70		%
NPA ratio(3)	0.77				0.78

	Nine Months Ended September 30,
(dollar amounts in thousands)	2015				2014
Nonperforming assets, beginning of period	$	337,723			$	352,160
New nonperforming assets	427,571				344,239
Returns to accruing status	(77,729		)		(57,217		)
Loan and lease losses	(121,038		)		(138,629		)
Payments	(147,490		)		(110,301		)
Sales and transfers to held-for-sale	(37,650		)		(25,777		)
Nonperforming assets, end of period (3)	$	381,387			$	364,475

(1)	Excludes loans transferred to held-for-sale.

(2)	Other nonperforming assets represent an investment security backed by a municipal bond.

(3)	Nonperforming assets divided by the sum of loans and leases, net other real estate owned, and other NPAs.

(4)	Nonaccruing troubled debt restructured loans on page 26 are included in the total nonperforming assets balance.

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Huntington Bancshares Incorporated

Year to Date Accruing Past Due Loans and Leases and Accruing and Nonaccruing Troubled Debt Restructured Loans

(Unaudited)

	September 30,
(dollar amounts in thousands)	2015				2014
Accruing loans and leases past due 90 days or more:
Commercial and industrial	$	6,571			$	7,458
Commercial real estate	12,178				26,285
Automobile	6,873				4,827
Residential mortgage (excluding loans guaranteed by the U.S. Government)	17,492				33,331
Home equity	10,764				14,809
Other consumer	1,087				638
Total, excl. loans guaranteed by the U.S. Government	54,965				87,348
Add: loans guaranteed by U.S. Government	50,643				54,778
Total accruing loans and leases past due 90 days or more, including loans guaranteed by the U.S. Government	$	105,608			$	142,126
Ratios:
Excluding loans guaranteed by the U.S. Government, as a percent of total loans and leases	0.11		%		0.19		%
Guaranteed by U.S. Government, as a percent of total loans and leases	0.10				0.11
Including loans guaranteed by the U.S. Government, as a percent of total loans and leases	0.21				0.30
Accruing troubled debt restructured loans:
Commercial and industrial	$	241,327			$	89,783
Commercial real estate	103,767				186,542
Automobile	24,537				31,480
Home equity	(1)	192,356			229,500
Residential mortgage	277,154				271,762
Other consumer	4,569				3,313
Total accruing troubled debt restructured loans	$	843,710			$	812,380
Nonaccruing troubled debt restructured loans:
Commercial and industrial	$	54,933			$	19,110
Commercial real estate	12,806				28,618
Automobile	5,400				4,817
Home equity	(2)	19,188			25,149
Residential mortgage	68,577				72,729
Other consumer	152				74
Total nonaccruing troubled debt restructured loans	$	161,056			$	150,497

(1)	Excludes approximately $87.9 million in home equity TDRs transferred to held-for-sale.

(2)	Excludes approximately $8.9 million in home equity TDRs transferred to held-for-sale.

26