Exhibit 99.2

HUNTINGTON BANCSHARES INCORPORATED

Quarterly Financial Supplement

June 30, 2016

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 and Nonaccruing 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.

Fully-Taxable Equivalent Basis

Interest income, yields, and ratios on a FTE basis are considered non-GAAP financial measures.  Management believes net interest income on a FTE basis provides a more accurate picture of the interest margin for comparison purposes.  The FTE basis also allows management to assess the comparability of revenue arising from both taxable and tax-exempt sources.  The FTE basis assumes a federal statutory tax rate of 35 percent.

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, and

•	Tangible common equity to risk-weighted assets using Basel III definition.

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)

	Three months ended
	June 30,				March 31,				June 30,					Percent Changes vs.
(dollar amounts in thousands, except as noted)	2016				2016				2015					1Q16			2Q15
Net interest income (3)	$	515,972			$	512,225			$	498,648				1	%		3	%
FTE adjustment	(10,091		)		(9,159		)		(7,962		)			10			27
Net interest income	505,881				503,066				490,686					1			3
Provision for credit losses	24,509				27,582				20,419					(11	)		20
Noninterest income	271,112				241,867				281,773					12			(4	)
Noninterest expense	523,661				491,080				491,777					7			6
Income before income taxes	228,823				226,271				260,263					1			(12	)
Provision for income taxes	54,283				54,957				64,057					(1	)		(15	)
Net income	174,540				171,314				196,206					2			(11	)
Dividends on preferred shares	19,874				7,998				7,968					148			149
Net income applicable to common shares	$	154,666			$	163,316			$	188,238				(5	)%		(18	)%
Net income per common share - diluted	$	0.19			$	0.20			$	0.23				(5	)%		(17	)%
Cash dividends declared per common share	0.07				0.07				0.06					—			17
Tangible book value per common share at end of period	7.29				7.12				6.71					2			9
Number of common shares repurchased	—				—				8,834					—			(100	)
Average common shares - basic	798,167				795,755				806,891					—			(1	)
Average common shares - diluted	810,371				808,349				820,238					—			(1	)
Ending common shares outstanding	799,154				796,689				803,066					—			—
Return on average assets	0.96		%		0.96		%		1.16		%
Return on average common shareholders’ equity	9.6				10.4				12.3
Return on average tangible common shareholders’ equity(2)	11.0				11.9				14.4
Net interest margin(3)	3.06				3.11				3.20
Efficiency ratio(4)	66.1				64.6				61.7
Effective tax rate	23.7				24.3				24.6
Average total assets (millions)	$	73,123			$	71,596			$	67,865				2			8
Average earning assets (millions)	67,863				66,234				62,569					2			8
Average loans and leases (millions)	51,932				50,618				47,899					3			8
Average loans and leases - linked quarter annualized growth rate	10.4		%		6.4		%		1.0		%
Average total deposits (millions)	$	55,414			$	54,979			$	52,639				1			5
Average core deposits(5) (millions)	51,895				51,363				49,192					1			5
Average core deposits - linked quarter annualized growth rate	4.1		%		(1.7		)%		3.4		%
Average shareholders’ equity (millions)	$	7,362			$	6,755			$	6,517				9			13
Average tangible common shareholders' equity (millions)	5,756				5,610				5,409					3			6
Total assets at end of period (millions)	73,954				72,645				68,824					2			7
Total shareholders’ equity at end of period (millions)	7,507				7,158				6,496					5			16
NCOs as a % of average loans and leases	0.13		%		0.07		%		0.21		%
NAL ratio	0.88				0.97				0.75
NPA ratio(6)	0.93				1.02				0.81
Allowance for loan and lease losses (ALLL) as a % of total loans and leases at the end of period	1.19				1.19				1.23
ALLL plus allowance for unfunded loan commitments and letters of credit (ACL) as a % of total loans and leases at the end of period	1.33				1.34				1.34
ACL as a % of NALs	151				138				180
ACL as a % of NPAs	142				131				165
Common equity tier 1 risk-based capital ratio(7)	9.80				9.73				9.65
Tangible common equity / tangible asset ratio(8)	7.96				7.89				7.92

See Notes to the Annual and Quarterly Key Statistics.

1

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Huntington Bancshares Incorporated

Year to Date Key Statistics(1)

(Unaudited)

	Six Months Ended June 30,								Change
(dollar amounts in thousands, except as noted)	2016				2015				Amount				Percent
Net interest income(3)	$	1,028,197			$	973,893			$	54,304			6	%
FTE adjustment	(19,250		)		(15,522		)		(3,728		)		24
Net interest income	1,008,947				958,371				50,576				5
Provision for credit losses	52,091				41,010				11,081				27
Noninterest income	512,979				513,396				(417		)		—
Noninterest expense	1,014,741				950,634				64,107				7
Income before income taxes	455,094				480,123				(25,029		)		(5	)
Provision for income taxes	109,240				118,063				(8,823		)		(7	)
Net Income	345,854				362,060				(16,206		)		(4	)
Dividends on preferred shares	27,872				15,933				11,939				75
Net income applicable to common shares	$	317,982			$	346,127			$	(28,145	)		(8	)%
Net income per common share - diluted	$	0.39			$	0.42			$	(0.03	)		(7	)%
Cash dividends declared per common share	0.14				0.12				0.02				17
Average common shares - basic	796,961				808,335				(11,374		)		(1	)
Average common shares - diluted	809,360				822,023				(12,663		)		(2	)
Return on average assets	0.96		%		1.09		%
Return on average common shareholders’ equity	10.0				11.5
Return on average tangible common shareholders’ equity(2)	11.4				13.3
Net interest margin(3)	3.08				3.17
Efficiency ratio(4)	65.4				62.6
Effective tax rate	24.0				24.6
Average total assets (millions)	$	72,359			$	67,055			$	5,304			8
Average earning assets (millions)	67,047				61,885				5,162				8
Average loans and leases (millions)	51,275				47,840				3,435				7
Average total deposits (millions)	55,198				52,385				2,813				5
Average core deposits(5) (millions)	51,630				48,985				2,645				5
Average shareholders’ equity (millions)	7,058				6,467				591				9
Average tangible common shareholders' equity (millions)	5,683				5,435				248				5
NCOs as a % of average loans and leases	0.10		%		0.21		%
NAL ratio	0.88				0.75
NPA ratio(6)	0.93				0.81

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 applicable to common shares 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 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)	June 30, 2016, 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.

3

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Huntington Bancshares Incorporated

Consolidated Balance Sheets

	June 30,				December 31,
(dollar amounts in thousands, except number of shares)	2016				2015				Percent Changes
	(Unaudited)
Assets
Cash and due from banks	$	867,180			$	847,156			2	%
Interest-bearing deposits in banks	44,896				51,838				(13	)
Trading account securities	35,289				36,997				(5	)
Loans held for sale	786,993				474,621				66
Available-for-sale and other securities	9,653,038				8,775,441				10
Held-to-maturity securities	5,658,565				6,159,590				(8	)
Loans and leases(1)	52,543,421				50,341,099				4
Allowance for loan and lease losses	(623,064		)		(597,843		)		4
Net loans and leases	51,920,357				49,743,256				4
Bank owned life insurance	1,777,628				1,757,668				1
Premises and equipment	596,642				620,540				(4	)
Goodwill	676,869				676,869				—
Other intangible assets	47,666				54,978				(13	)
Servicing rights	159,467				189,237				(16	)
Accrued income and other assets	1,729,427				1,630,110				6
Total assets	$	73,954,017			$	71,018,301			4	%
Liabilities and shareholders’ equity
Liabilities
Deposits(2)	$	55,043,465			$	55,294,979			—	%
Short-term borrowings	1,956,745				615,279				218
Long-term debt	7,929,820				7,041,364				13
Accrued expenses and other liabilities	1,516,683				1,472,073				3
Total liabilities	66,446,713				64,423,695				3
Shareholders' equity
Preferred stock	971,278				386,291				151
Common stock	8,015				7,970				1
Capital surplus	7,074,249				7,038,502				1
Less treasury shares, at cost	(21,358		)		(17,932		)		19
Accumulated other comprehensive loss	(134,042		)		(226,158		)		(41	)
Retained (deficit) earnings	(390,838		)		(594,067		)		(34	)
Total shareholders’ equity	7,507,304				6,594,606				14
Total liabilities and shareholders’ equity	$	73,954,017			$	71,018,301			4	%
Common shares authorized (par value of $0.01)	1,500,000,000				1,500,000,000
Common shares issued	801,528,870				796,969,694
Common shares outstanding	799,153,996				794,928,886
Treasury shares outstanding	2,374,874				2,040,808
Preferred stock, authorized shares	6,617,808				6,617,808
Preferred shares issued	2,602,571				1,967,071
Preferred shares outstanding	998,006				398,006

N.R.	Not relevant.

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

(2)	See page 6 for detail of deposits.

4

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Huntington Bancshares Incorporated

Loans and Leases Composition

(Unaudited)

	June 30,							March 31,							December 31,							September 30,							June 30,
(dollar amounts in millions)	2016							2016							2015							2015							2015
Ending Balances by Type:
Commercial:
Commercial and industrial	$	21,372			41	%		$	21,254			41	%		$	20,560			41	%		$	20,040			40	%		$	20,003			41	%
Commercial real estate:
Construction	856				2			939				2			1,031				2			1,110				2			1,021				2
Commercial	4,466				7			4,343				8			4,237				8			4,294				9			4,192				9
Commercial real estate	5,322				9			5,282				10			5,268				10			5,404				11			5,213				11
Total commercial	26,694				50			26,536				51			25,828				51			25,444				51			25,216				52
Consumer:
Automobile	10,381				20			9,920				19			9,481				19			9,160				19			8,549				18
Home equity	8,447				17			8,422				17			8,471				17			8,461				17			8,526				17
Residential mortgage	6,377				12			6,082				12			5,998				12			6,071				12			5,987				12
Other consumer	644				1			579				1			563				1			520				1			474				1
Total consumer	25,849				50			25,003				49			24,513				49			24,212				49			23,536				48
Total loans and leases	$	52,543			100	%		$	51,539			100	%		$	50,341			100	%		$	49,656			100	%		$	48,752			100	%
Ending Balances by Business Segment:
Retail and Business Banking	$	13,811			26	%		$	13,637			26	%		$	13,681			27	%		$	13,648			28	%		$	13,673			28	%
Commercial Banking	14,202				27			14,073				27			13,409				27			13,144				26			12,980				27
AFCRE	17,800				34			17,412				34			16,864				33			16,411				33			15,609				32
RBHPCG	4,024				8			3,876				8			3,021				6			2,992				6			2,968				6
Home Lending	2,659				5			2,552				5			3,366				7			3,437				7			3,405				7
Treasury / Other	47				—			(11		)		—			—				—			24				—			117				—
Total loans and leases	$	52,543			100	%		$	51,539			100	%		$	50,341			100	%		$	49,656			100	%		$	48,752			100	%

	June 30,							March 31,							December 31,							September 30,							June 30,
	2016							2016							2015							2015							2015
Average Balances by Business Segment:
Retail and Business Banking	$	13,730			26	%		$	13,619			27	%		$	13,686			28	%		$	13,704			28	%		$	13,646			29	%
Commercial Banking	14,033				27			13,499				27			13,132				26			12,937				26			12,808				27
AFCRE	17,554				34			17,023				34			16,494				33			15,895				33			15,071				31
RBHPCG	3,934				8			3,852				7			2,990				6			2,979				6			2,930				6
Home Lending	2,583				5			2,533				5			3,434				7			3,438				7			3,339				7
Treasury / Other	98				—			92				—			91				—			93				—			105				—
Total loans and leases	$	51,932			100	%		$	50,618			100	%		$	49,827			100	%		$	49,046			100	%		$	47,899			100	%

5

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Huntington Bancshares Incorporated

Deposits Composition

(Unaudited)

	June 30,							March 31,							December 31,							September 30,							June 30,
(dollar amounts in millions)	2016							2016							2015							2015							2015
Ending Balances by Type:
Demand deposits - noninterest-bearing	$	16,324			30	%		$	16,571			30	%		$	16,480			30	%		$	16,935			31	%		$	17,011			32	%
Demand deposits - interest-bearing	8,412				15			8,174				15			7,682				14			6,574				12			6,627				12
Money market deposits	19,480				34			19,844				35			19,792				36			19,494				36			18,580				35
Savings and other domestic deposits	5,341				10			5,423				10			5,246				9			5,189				10			5,240				10
Core certificates of deposit	1,866				4			2,123				4			2,382				4			2,483				5			2,580				5
Total core deposits	51,423				93			52,135				94			51,582				93			50,675				94			50,038				94
Other domestic deposits of $250,000 or more	380				1			424				1			501				1			263				—			178				—
Brokered deposits and negotiable CDs	3,017				6			2,890				5			2,944				5			2,904				5			2,705				5
Deposits in foreign offices	223				—			180				—			268				1			403				1			552				1
Total deposits	$	55,043			100	%		$	55,629			100	%		$	55,295			100	%		$	54,245			100	%		$	53,473			100	%
Total core deposits:
Commercial	$	24,308			47	%		$	24,543			47	%		$	24,474			47	%		$	24,886			49	%		$	24,103			48	%
Consumer	27,115				53			27,592				53			27,108				53			25,789				51			25,935				52
Total core deposits	$	51,423			100	%		$	52,135			100	%		$	51,582			100	%		$	50,675			100	%		$	50,038			100	%
Ending Balances by Business Segment:
Retail and Business Banking	$	31,096			56	%		$	31,303			56	%		$	30,876			56	%		$	29,979			55	%		$	29,983			56	%
Commercial Banking	10,353				19			11,258				20			11,425				21			11,826				22			10,908				20
AFCRE	1,693				3			1,608				3			1,652				3			1,522				3			1,519				3
RBHPCG	8,161				15			7,890				14			7,691				14			7,377				14			7,265				14
Home Lending	335				1			334				1			362				—			305				—			340				1
Treasury / Other(1)	3,405				6			3,236				6			3,289				6			3,236				6			3,458				6
Total deposits	$	55,043			100	%		$	55,629			100	%		$	55,295			100	%		$	54,245			100	%		$	53,473			100	%

	June 30,							March 31,							December 31,							September 30,							June 30,
	2016							2016							2015							2015							2015
Average Balances by Business Segment:
Retail and Business Banking	$	31,290			56	%		$	30,778			56	%		$	30,543			55	%		$	30,152			55	%		$	30,126			57	%
Commercial Banking	10,769				19			11,375				20			11,751				21			11,567				21			10,848				20
AFCRE	1,656				3			1,629				3			1,628				3			1,494				3			1,487				3
RBHPCG	8,069				15			7,687				14			7,865				14			7,692				14			6,780				13
Home Lending	386				1			316				1			349				1			342				1			388				1
Treasury / Other(1)	3,244				6			3,194				6			3,202				6			3,132				6			3,010				6
Total deposits	$	55,414			100	%		$	54,979			100	%		$	55,338			100	%		$	54,379			100	%		$	52,639			100	%

(1)	Comprised primarily of national market deposits.

6

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Huntington Bancshares Incorporated

Consolidated Quarterly Average Balance Sheets

(Unaudited)

	Quarterly Average Balances (2)
	June 30,				March 31,				December 31,				September 30,				June 30,					Percent Changes vs.
(dollar amounts in millions)	2016				2016				2015				2015				2015					1Q16			2Q15
Assets
Interest-bearing deposits in banks	$	99			$	98			$	89			$	89			$	89				1	%		11	%
Loans held for sale	571				433				502				464				1,272					32			(55	)
Securities:
Available-for-sale and other securities:
Taxable	6,904				6,633				8,099				8,310				7,916					4			(13	)
Tax-exempt	2,510				2,358				2,257				2,136				2,028					6			24
Total available-for-sale and other securities	9,414				8,991				10,356				10,446				9,944					5			(5	)
Trading account securities	41				40				39				52				41					3			—
Held-to-maturity securities - taxable	5,806				6,054				4,148				3,226				3,324					(4	)		75
Total securities	15,261				15,085				14,543				13,724				13,309					1			15
Loans and leases:(1)
Commercial:
Commercial and industrial	21,344				20,649				20,186				19,802				19,819					3			8
Commercial real estate:
Construction	881				923				1,108				1,101				970					(5	)		(9	)
Commercial	4,345				4,283				4,158				4,193				4,214					1			3
Commercial real estate	5,226				5,206				5,266				5,294				5,184					—			1
Total commercial	26,570				25,855				25,452				25,096				25,003					3			6
Consumer:
Automobile	10,146				9,730				9,286				8,879				8,083					4			26
Home equity	8,416				8,441				8,463				8,526				8,503					—			(1	)
Residential mortgage	6,187				6,018				6,079				6,048				5,859					3			6
Other consumer	613				574				547				497				451					7			36
Total consumer	25,362				24,763				24,375				23,950				22,896					2			11
Total loans and leases	51,932				50,618				49,827				49,046				47,899					3			8
Allowance for loan and lease losses	(616		)		(604		)		(595		)		(609		)		(608		)			2			1
Net loans and leases	51,316				50,014				49,232				48,437				47,291					3			9
Total earning assets	67,863				66,234				64,961				63,323				62,569					2			8
Cash and due from banks	1,001				1,013				1,468				1,555				926					(1	)		8
Intangible assets	726				730				734				739				745					(1	)		(3	)
All other assets	4,149				4,223				4,233				4,273				4,233					(2	)		(2	)
Total assets	$	73,123			$	71,596			$	70,801			$	69,281			$	67,865				2	%		8	%
Liabilities and shareholders’ equity
Deposits:
Demand deposits - noninterest-bearing	$	16,507			$	16,334			$	17,174			$	17,017			$	15,893				1	%		4	%
Demand deposits - interest-bearing	8,445				7,776				6,923				6,604				6,584					9			28
Total demand deposits	24,952				24,110				24,097				23,621				22,477					3			11
Money market deposits	19,534				19,682				19,843				19,512				18,803					(1	)		4
Savings and other domestic deposits	5,402				5,306				5,215				5,224				5,273					2			2
Core certificates of deposit	2,007				2,265				2,430				2,534				2,639					(11	)		(24	)
Total core deposits	51,895				51,363				51,585				50,891				49,192					1			5
Other domestic deposits of $250,000 or more	402				455				426				217				184					(12	)		118
Brokered deposits and negotiable CDs	2,909				2,897				2,929				2,779				2,701					—			8
Deposits in foreign offices	208				264				398				492				562					(21	)		(63	)
Total deposits	55,414				54,979				55,338				54,379				52,639					1			5
Short-term borrowings	1,032				1,145				524				844				2,153					(10	)		(52	)
Long-term debt	7,899				7,202				6,788				6,043				5,121					10			54
Total interest-bearing liabilities	47,838				46,992				45,476				44,249				44,020					2			9
All other liabilities	1,416				1,515				1,515				1,442				1,435					(7	)		(1	)
Shareholders’ equity	7,362				6,755				6,636				6,573				6,517					9			13
Total liabilities and shareholders’ equity	$	73,123			$	71,596			$	70,801			$	69,281			$	67,865				2	%		8	%

(1)	Includes nonaccrual loans

(2)	Amounts include the effects of hedge and risk management activities associated with the respective asset and liability categories.

7

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Huntington Bancshares Incorporated

Consolidated Quarterly Net Interest Margin - Interest Income / Expense(1)(2)

(Unaudited)

	Quarterly Interest Income / Expense
	June 30,				March 31,				December 31,				September 30,				June 30,
(dollar amounts in thousands)	2016				2016				2015				2015				2015
Assets
Interest-bearing deposits in banks	$	63			$	51			$	17			$	13			$	19
Loans held for sale	5,546				4,322				5,324				4,422				10,546
Securities:
Available-for-sale and other securities:
Taxable	40,992				39,614				50,582				52,141				51,525
Tax-exempt	21,223				20,030				17,803				16,671				15,875
Total available-for-sale and other securities	62,215				59,644				68,385				68,812				67,400
Trading account securities	101				50				106				128				104
Held-to-maturity securities - taxable	35,420				36,789				25,394				19,812				20,741
Total securities	97,736				96,483				93,885				88,752				88,245
Loans and leases:
Commercial:
Commercial and industrial	188,375				183,930				179,233				180,997				180,992
Commercial real estate:
Construction	8,231				8,198				9,752				9,917				8,825
Commercial	36,763				38,820				35,215				36,785				36,329
Commercial real estate	44,994				47,018				44,967				46,702				45,154
Total commercial	233,369				230,948				224,200				227,699				226,146
Consumer:
Automobile	79,574				76,717				75,323				72,341				64,575
Home equity	87,279				88,072				85,491				86,254				84,215
Residential mortgage	56,509				55,510				55,702				56,048				54,496
Other consumer	15,673				14,307				12,636				11,116				9,515
Total consumer	239,035				234,606				229,152				225,759				212,801
Total loans and leases	472,404				465,554				453,352				453,458				438,947
Total earning assets	$	575,749			$	566,410			$	552,578			$	546,645			$	537,757
Liabilities
Deposits:
Demand deposits - noninterest-bearing	$	—			$	—			$	—			$	—			$	—
Demand deposits - interest-bearing	1,939				1,679				1,390				1,211				984
Total demand deposits	1,939				1,679				1,390				1,211				984
Money market deposits	11,676				11,768				11,545				11,200				10,435
Savings and other domestic deposits	1,442				1,660				1,811				1,840				1,775
Core certificates of deposit	3,938				4,623				5,068				5,135				5,161
Total core deposits	18,995				19,730				19,814				19,386				18,355
Other domestic deposits of $250,000 or more	399				460				433				237				204
Brokered deposits and negotiable CDs	2,861				2,742				1,399				1,178				1,121
Deposits in foreign offices	68				86				132				163				185
Total deposits	22,323				23,018				21,778				20,964				19,865
Short-term borrowings	913				898				119				192				731
Long-term debt	36,541				30,269				25,345				21,866				18,513
Total interest bearing liabilities	59,777				54,185				47,242				43,022				39,109
Net interest income	$	515,972			$	512,225			$	505,336			$	503,623			$	498,648

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

(2)	Amounts include the effects of hedge and risk management activities associated with the respective asset and liability categories.

8

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Huntington Bancshares Incorporated

Consolidated Quarterly Net Interest Margin - Yield

(Unaudited)

	Quarterly Average Rates(2)
	June 30,			March 31,			December 31,			September 30,			June 30,
Fully-taxable equivalent basis(1)	2016			2016			2015			2015			2015
Assets
Interest-bearing deposits in banks	0.25	%		0.21	%		0.08	%		0.06	%		0.08	%
Loans held for sale	3.89			3.99			4.24			3.81			3.32
Securities:
Available-for-sale and other securities:
Taxable	2.37			2.39			2.50			2.51			2.60
Tax-exempt	3.38			3.40			3.15			3.12			3.13
Total available-for-sale and other securities	2.64			2.65			2.64			2.63			2.71
Trading account securities	0.98			0.50			1.09			0.97			1.00
Held-to-maturity securities - taxable	2.44			2.43			2.45			2.46			2.50
Total securities	2.56			2.56			2.58			2.59			2.65
Loans and leases:(3)
Commercial:
Commercial and industrial	3.49			3.52			3.47			3.58			3.61
Commercial real estate:
Construction	3.70			3.51			3.45			3.52			3.60
Commercial	3.35			3.59			3.31			3.43			3.41
Commercial real estate	3.41			3.57			3.34			3.45			3.45
Total commercial	3.47			3.53			3.45			3.55			3.58
Consumer:
Automobile	3.15			3.17			3.22			3.23			3.20
Home equity	4.17			4.20			4.01			4.01			3.97
Residential mortgage	3.65			3.69			3.67			3.71			3.72
Other consumer	10.28			10.02			9.17			8.88			8.45
Total consumer	3.79			3.81			3.74			3.75			3.73
Total loans and leases	3.63			3.67			3.59			3.65			3.65
Total earning assets	3.41			3.44			3.37			3.42			3.45
Liabilities
Deposits:
Demand deposits - noninterest-bearing	—			—			—			—			—
Demand deposits - interest-bearing	0.09			0.09			0.08			0.07			0.06
Total demand deposits	0.03			0.03			0.02			0.02			0.02
Money market deposits	0.24			0.24			0.23			0.23			0.22
Savings and other domestic deposits	0.11			0.13			0.14			0.14			0.14
Core certificates of deposit	0.79			0.82			0.83			0.80			0.78
Total core deposits	0.22			0.23			0.23			0.23			0.22
Other domestic deposits of $250,000 or more	0.40			0.41			0.40			0.43			0.44
Brokered deposits and negotiable CDs	0.40			0.38			0.19			0.17			0.17
Deposits in foreign offices	0.13			0.13			0.13			0.13			0.13
Total deposits	0.23			0.24			0.23			0.22			0.22
Short-term borrowings	0.36			0.32			0.09			0.09			0.14
Long-term debt	1.85			1.68			1.49			1.45			1.45
Total interest-bearing liabilities	0.50			0.46			0.41			0.39			0.36
Net interest rate spread	2.91			2.98			2.96			3.03			3.09
Impact of noninterest-bearing funds on margin	0.15			0.13			0.13			0.13			0.11
Net interest margin	3.06	%		3.11	%		3.09	%		3.16	%		3.20	%

Commercial Loan Derivative Impact

(Unaudited)

	Average Rates
	2016			2016			2015			2015			2015
Fully-taxable equivalent basis(1)	Second			First			Fourth			Third			Second
Commercial loans(2)(3)	3.40	%		3.44	%		3.27	%		3.36	%		3.38	%
Impact of commercial loan derivatives	0.07			0.09			0.18			0.19			0.20
Total commercial - as reported	3.47	%		3.53	%		3.45	%		3.55	%		3.58	%
Average 30 day LIBOR	0.44	%		0.43	%		0.25	%		0.20	%		0.18	%

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

(2)	Yield/rates include the effects of hedge and risk management activities associated with the respective asset and liability categories.

(3)	Includes the impact of nonaccrual loans.

9

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Huntington Bancshares Incorporated

Selected Quarterly Income Statement Data(1)

(Unaudited)

	Three months ended
	June 30,				March 31,				December 31,				September 30,				June 30,
(dollar amounts in thousands, except per share amounts)	2016				2016				2015				2015				2015
Interest income	$	565,658			$	557,251			$	544,153			$	538,477			$	529,795
Interest expense	59,777				54,185				47,242				43,022				39,109
Net interest income	505,881				503,066				496,911				495,455				490,686
Provision for credit losses	24,509				27,582				36,468				22,476				20,419
Net interest income after provision for credit losses	481,372				475,484				460,443				472,979				470,267
Service charges on deposit accounts	75,613				70,262				72,854				75,157				70,118
Cards and payment processing income	39,184				36,447				37,594				36,664				35,886
Mortgage banking income	31,591				18,543				31,418				18,956				38,518
Trust services	22,497				22,838				25,272				24,972				26,550
Insurance income	15,947				16,225				15,528				16,204				17,637
Brokerage income	14,599				15,502				14,462				15,059				15,184
Capital markets fees	13,037				13,010				13,778				12,741				13,192
Bank owned life insurance income	12,536				13,513				13,441				12,719				13,215
Gain on sale of loans	9,265				5,395				10,122				5,873				12,453
Securities gains (losses)	656				—				474				188				82
Other income	36,187				30,132				37,272				34,586				38,938
Total noninterest income	271,112				241,867				272,215				253,119				281,773
Personnel costs	298,949				285,397				288,861				286,270				282,135
Outside data processing and other services	63,037				61,878				63,775				58,535				58,508
Equipment	31,805				32,576				31,711				31,303				31,694
Net occupancy	30,704				31,476				32,939				29,061				28,861
Marketing	14,773				12,268				12,035				12,179				15,024
Professional services	21,488				13,538				13,010				11,961				12,593
Deposit and other insurance expense	12,187				11,208				11,105				11,550				11,787
Amortization of intangibles	3,600				3,712				3,788				3,913				9,960
Other expense	47,118				39,027				41,542				81,736				41,215
Total noninterest expense	523,661				491,080				498,766				526,508				491,777
Income before income taxes	228,823				226,271				233,892				199,590				260,263
Provision for income taxes	54,283				54,957				55,583				47,002				64,057
Net income	174,540				171,314				178,309				152,588				196,206
Dividends on preferred shares	19,874				7,998				7,972				7,968				7,968
Net income applicable to common shares	$	154,666			$	163,316			$	170,337			$	144,620			$	188,238
Average common shares - basic	798,167				795,755				796,095				800,883				806,891
Average common shares - diluted	810,371				808,349				810,143				814,326				820,238
Per common share
Net income - basic	$	0.19			$	0.21			$	0.21			$	0.18			$	0.23
Net income - diluted	0.19				0.20				0.21				0.18				0.23
Cash dividends declared	0.07				0.07				0.07				0.06				0.06
Revenue - fully-taxable equivalent (FTE)
Net interest income	$	505,881			$	503,066			$	496,911			$	495,455			$	490,686
FTE adjustment	10,091				9,159				8,425				8,168				7,962
Net interest income(2)	515,972				512,225				505,336				503,623				498,648
Noninterest income	271,112				241,867				272,215				253,119				281,773
Total revenue(2)	$	787,084			$	754,092			$	777,551			$	756,742			$	780,421

(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)

	Three months ended
	June 30,				March 31,				December 31,				September 30,				June 30,					Percent Changes vs.
(dollar amounts in thousands, except as noted)	2016				2016				2015				2015				2015					1Q16			2Q15
Mortgage banking income
Origination and secondary marketing	$	26,862			$	18,533			$	23,885			$	20,005			$	26,350				45	%		2	%
Servicing fees	11,010				11,137				11,060				10,763				10,677					(1	)		3
Amortization of capitalized servicing	(6,673		)		(6,405		)		(6,655		)		(6,080		)		(6,965		)			4			(4	)
Other mortgage banking income	2,323				1,672				2,271				2,691				2,467					39			(6	)
Subtotal	33,522				24,937				30,561				27,379				32,529					34			3
MSR valuation adjustment(1)	(8,300		)		(18,329		)		5,144				(14,113		)		14,525					N.R.			(157	)
Net trading gains (losses) related to MSR hedging	6,369				11,935				(4,287		)		5,690				(8,536		)			N.R.			(175	)
Total mortgage banking income	$	31,591			$	18,543			$	31,418			$	18,956			$	38,518				70	%		(18	)%
Mortgage originations (in millions)	$	1,600			$	936			$	1,012			$	1,259			$	1,454				71	%		10	%
Capitalized mortgage servicing rights(2)	134,397				142,094				160,718				153,532				163,808					(5	)		(18	)
Total mortgages serviced for others (in millions)(2)	16,211				16,239				16,168				15,941				15,722					—			3
MSR % of investor servicing portfolio(2)	0.83		%		0.88		%		0.99		%		0.96		%		1.04		%			(6	)		(20	)
Net impact of MSR hedging
MSR valuation adjustment(1)	$	(8,300	)		$	(18,329	)		$	5,144			$	(14,113	)		$	14,525				N.R.			(157	)
Net trading gains (losses) related to MSR hedging	6,369				11,935				(4,287		)		5,690				(8,536		)			N.R.			(175	)
Net gain (loss) of MSR hedging	$	(1,931	)		$	(6,394	)		$	857			$	(8,423	)		$	5,989				N.R.			(132	)%

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)

	Three months ended
	June 30,				March 31,				December 31,				September 30,				June 30,
(dollar amounts in thousands)	2016				2016				2015				2015				2015
Allowance for loan and lease losses, beginning of period	$	613,719			$	597,843			$	591,938			$	599,542			$	605,126
Loan and lease losses	(43,545		)		(59,692		)		(54,961		)		(60,875		)		(46,970		)
Recoveries of loans previously charged off	26,790				51,140				33,138				44,712				21,595
Net loan and lease losses	(16,755		)		(8,552		)		(21,823		)		(16,163		)		(25,375		)
Provision for loan and lease losses	26,086				24,338				28,610				13,624				19,790
Allowance of assets sold or transferred to loans held for sale	14				90				(882		)		(5,065		)		1
Allowance for loan and lease losses, end of period	623,064				613,719				597,843				591,938				599,542
Allowance for unfunded loan commitments and letters of credit, beginning of period	75,325				72,081				64,223				55,371				54,742
Provision for (reduction in) unfunded loan commitments and letters of credit losses	(1,577		)		3,244				7,858				8,852				629
Allowance for unfunded loan commitments and letters of credit, end of period	73,748				75,325				72,081				64,223				55,371
Total allowance for credit losses, end of period	$	696,812			$	689,044			$	669,924			$	656,161			$	654,913
Allowance for loan and lease losses (ALLL) as % of:
Total loans and leases	1.19		%		1.19		%		1.19		%		1.19		%		1.23		%
Nonaccrual loans and leases (NALs)	135				123				161				166				165
Nonperforming assets (NPAs)	127				117				150				155				151
Total allowance for credit losses (ACL) as % of:
Total loans and leases	1.33		%		1.34		%		1.33		%		1.32		%		1.34		%
Nonaccrual loans and leases	151				138				180				184				180
Nonperforming assets	142				131				168				172				165

12

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Huntington Bancshares Incorporated

Quarterly Net Charge-Off Analysis

(Unaudited)

	Three months ended
	June 30,				March 31,				December 31,				September 30,				June 30,
(dollar amounts in thousands)	2016				2016				2015				2015				2015
Net charge-offs (recoveries) by loan and lease type:
Commercial:
Commercial and industrial	$	3,702			$	6,514			$	2,252			$	9,858			$	4,411
Commercial real estate:
Construction	(377		)		(104		)		(296		)		(309		)		164
Commercial	(296		)		(17,372		)		(3,939		)		(13,512		)		5,361
Commercial real estate	(673		)		(17,476		)		(4,235		)		(13,821		)		5,525
Total commercial	3,029				(10,962		)		(1,983		)		(3,963		)		9,936
Consumer:
Automobile	4,320				6,770				7,693				4,908				3,442
Home equity	1,078				3,681				4,706				5,869				4,650
Residential mortgage	776				1,647				3,158				2,010				2,142
Other consumer	7,552				7,416				8,249				7,339				5,205
Total consumer	13,726				19,514				23,806				20,126				15,439
Total net charge-offs	$	16,755			$	8,552			$	21,823			$	16,163			$	25,375
Net charge-offs (recoveries)—annualized percentages:
Commercial:
Commercial and industrial	0.07		%		0.13		%		0.04		%		0.20		%		0.09		%
Commercial real estate:
Construction	(0.17		)		(0.05		)		(0.11		)		(0.11		)		0.07
Commercial	(0.03		)		(1.62		)		(0.38		)		(1.29		)		0.51
Commercial real estate	(0.05		)		(1.34		)		(0.32		)		(1.04		)		0.43
Total commercial	0.05				(0.17		)		(0.03		)		(0.06		)		0.16
Consumer:
Automobile	0.17				0.28				0.33				0.22				0.17
Home equity	0.05				0.17				0.22				0.28				0.22
Residential mortgage	0.05				0.11				0.21				0.13				0.15
Other consumer	4.93				5.17				6.03				5.91				4.61
Total consumer	0.22				0.32				0.39				0.34				0.27
Net charge-offs as a % of average loans	0.13		%		0.07		%		0.18		%		0.13		%		0.21		%

13

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Huntington Bancshares Incorporated

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

(Unaudited)

	June 30,				March 31,				December 31,				September 30,				June 30,
(dollar amounts in thousands)	2016				2016				2015				2015				2015
Nonaccrual loans and leases (NALs): (1)
Commercial and industrial	$	289,811			$	307,824			$	175,195			$	157,902			$	149,713
Commercial real estate	23,663				30,801				28,984				27,516				43,888
Automobile	5,049				7,598				6,564				5,551				4,190
Residential mortgage	85,174				90,303				94,560				98,908				91,198
Home equity	56,845				62,208				66,278				66,446				75,282
Other consumer	5				—				—				154				68
Total nonaccrual loans and leases	460,547				498,734				371,581				356,477				364,339
Other real estate, net:
Residential	26,653				23,175				24,194				21,637				25,660
Commercial	2,248				2,957				3,148				3,273				3,572
Total other real estate, net	28,901				26,132				27,342				24,910				29,232
Other NPAs (2)	376				—				—				—				2,440
Total nonperforming assets	$	489,824			$	524,866			$	398,923			$	381,387			$	396,011
Nonaccrual loans and leases as a % of total loans and leases	0.88		%		0.97		%		0.74		%		0.72		%		0.75		%
NPA ratio(3)	0.93				1.02				0.79				0.77				0.81
(NPA+90days)/(Loan+OREO)(4)	1.12				1.22				1.00				0.98				1.03

	June 30,				March 31,				December 31,				September 30,				June 30,
	2016				2016				2015				2015				2015
Nonperforming assets, beginning of period	$	524,866			$	398,923			$	381,387			$	396,011			$	400,804
New nonperforming assets	74,577				240,707				141,862				139,604				125,105
Returns to accruing status	(18,648		)		(14,289		)		(23,199		)		(13,641		)		(46,120		)
Loan and lease losses	(25,420		)		(40,465		)		(29,394		)		(45,667		)		(33,797		)
Payments	(58,594		)		(51,512		)		(64,137		)		(78,516		)		(38,396		)
Sales and transfers to held-for-sale	(6,957		)		(8,498		)		(7,596		)		(16,404		)		(11,585		)
Nonperforming assets, end of period	$	489,824			$	524,866			$	398,923			$	381,387			$	396,011

(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)

	June 30,				March 31,				December 31,				September 30,				June 30,
(dollar amounts in thousands)	2016				2016				2015				2015				2015
Accruing loans and leases past due 90 days or more:
Commercial and industrial	$	5,616			$	8,032			$	8,724			$	6,571			$	6,621
Commercial real estate	10,799				12,694				9,549				12,178				10,920
Automobile	5,452				5,064				7,162				6,873				4,269
Residential mortgage (excluding loans guaranteed by the U.S. Government)	11,383				11,740				14,082				17,492				21,869
Home equity	7,579				8,571				9,044				10,764				11,713
Other consumer	1,645				1,868				1,394				1,087				846
Total, excl. loans guaranteed by the U.S. Government	42,474				47,969				49,955				54,965				56,238
Add: loans guaranteed by U.S. Government	56,105				57,843				55,835				50,643				50,640
Total accruing loans and leases past due 90 days or more, including loans guaranteed by the U.S. Government	$	98,579			$	105,812			$	105,790			$	105,608			$	106,878
Ratios:
Excluding loans guaranteed by the U.S. Government, as a percent of total loans and leases	0.08		%		0.09		%		0.10		%		0.11		%		0.12		%
Guaranteed by U.S. Government, as a percent of total loans and leases	0.11				0.11				0.11				0.10				0.10
Including loans guaranteed by the U.S. Government, as a percent of total loans and leases	0.19				0.21				0.21				0.21				0.22
Accruing troubled debt restructured loans (1):
Commercial and industrial	$	232,112			$	205,989			$	235,689			$	241,327			$	233,346
Commercial real estate	85,015				108,861				115,074				103,767				158,056
Automobile	25,892				25,856				24,893				24,537				24,774
Home equity	203,047				204,244				199,393				192,356				279,864
Residential mortgage	256,859				259,750				264,666				277,154				266,986
Other consumer	4,522				4,768				4,488				4,569				4,722
Total accruing troubled debt restructured loans	$	807,447			$	809,468			$	844,203			$	843,710			$	967,748
Nonaccruing troubled debt restructured loans (1):
Commercial and industrial	$	77,592			$	83,600			$	56,919			$	54,933			$	46,303
Commercial real estate	6,833				14,607				16,617				12,806				19,490
Automobile	4,907				7,407				6,412				5,400				4,030
Home equity	21,145				23,211				20,996				19,188				26,568
Residential mortgage	63,638				68,918				71,640				68,577				65,415
Other consumer	142				191				151				152				160
Total nonaccruing troubled debt restructured loans	$	174,257			$	197,934			$	172,735			$	161,056			$	161,966

(1)	Excludes loans 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)

	June 30,				March 31,				December 31,				September 30,				June 30,
(dollar amounts in millions except per share amounts)	2016				2016				2015				2015				2015
Common equity tier 1 risk-based capital ratio:(1)
Total shareholders’ equity	$	7,507			$	7,158			$	6,595			$	6,583			$	6,496
Regulatory capital adjustments:
Shareholders’ preferred equity	(971		)		(773		)		(386		)		(386		)		(386		)
Accumulated other comprehensive income offset	134				167				226				140				186
Goodwill and other intangibles, net of related taxes	(700		)		(703		)		(695		)		(697		)		(701		)
Deferred tax assets that arise from tax loss and credit carryforwards	(21		)		(29		)		(19		)		(15		)		(15		)
Common equity tier 1 capital	5,949				5,820				5,721				5,625				5,580
Additional tier 1 capital
Shareholders’ preferred equity	971				773				386				386				386
Qualifying capital instruments subject to phase-out	—				—				76				76				76
Other	(14		)		(19		)		(29		)		(22		)		(22		)
Tier 1 capital	6,906				6,574				6,154				6,065				6,020
Long-term debt and other tier 2 qualifying instruments	590				611				563				623				623
Qualifying allowance for loan and lease losses	697				689				670				656				655
Tier 2 capital	1,287				1,300				1,233				1,279				1,278
Total risk-based capital	$	8,193			$	7,874			$	7,387			$	7,344			$	7,298
Risk-weighted assets (RWA)(1)	$	60,717			$	59,798			$	58,420			$	57,839			$	57,850
Common equity tier 1 risk-based capital ratio(1)	9.80		%		9.73		%		9.79		%		9.72		%		9.65		%
Other regulatory capital data:
Tier 1 leverage ratio(1)	9.55		%		9.29		%		8.79		%		8.85		%		8.98		%
Tier 1 risk-based capital ratio(1)	11.37				10.99				10.53				10.49				10.41
Total risk-based capital ratio(1)	13.49				13.17				12.64				12.70				12.62
Non-regulatory capital data:
Tangible common equity / RWA ratio(1)	9.60				9.49				9.41				9.48				9.32

(1)	June 30, 2016, 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

	June 30,				March 31,				December 31,				September 30,				June 30,
	2016				2016				2015				2015				2015
Common stock price, per share
High(1)	$	10.650			$	10.810			$	11.870			$	11.900			$	11.720
Low(1)	8.045				7.830				10.210				10.000				10.670
Close	8.940				9.540				11.060				10.600				11.310
Average closing price	9.831				9.222				11.177				11.157				11.192
Dividends, per share
Cash dividends declared per common share	$	0.07			$	0.07			$	0.07			$	0.06			$	0.06
Common shares outstanding
Average - basic	798,167				795,755				796,095				800,883				806,891
Average - diluted	810,371				808,349				810,143				814,326				820,238
Ending	799,154				796,689				794,929				796,659				803,066
Tangible book value per common share(2)	$	7.29			$	7.12			$	6.91			$	6.88			$	6.71
Common share repurchases
Number of shares repurchased	—				—				2,490				6,764				8,834

Non-regulatory capital

	June 30,				March 31,				December 31,				September 30,				June 30,
(dollar amounts in millions)	2016				2016				2015				2015				2015
Calculation of tangible equity / asset ratio:
Total shareholders’ equity	$	7,507			$	7,158			$	6,595			$	6,583			$	6,496
Less: goodwill	(677		)		(677		)		(677		)		(677		)		(678		)
Less: other intangible assets	(48		)		(51		)		(55		)		(59		)		(63		)
Add: related deferred tax liability(2)	17				18				19				21				22
Total tangible equity	6,799				6,448				5,882				5,868				5,777
Less: preferred equity	(971		)		(773		)		(386		)		(386		)		(386		)
Total tangible common equity	$	5,828			$	5,675			$	5,496			$	5,482			$	5,391
Total assets	$	73,954			$	72,645			$	71,018			$	70,186			$	68,824
Less: goodwill	(677		)		(677		)		(677		)		(677		)		(678		)
Less: other intangible assets	(48		)		(51		)		(55		)		(59		)		(63		)
Add: related deferred tax liability(2)	17				18				19				21				22
Total tangible assets	$	73,246			$	71,935			$	70,305			$	69,471			$	68,105
Tangible equity / tangible asset ratio	9.28		%		8.96		%		8.37		%		8.45		%		8.48		%
Tangible common equity / tangible asset ratio	7.96				7.89				7.82				7.89				7.92
Other data:
Number of employees (Average full-time equivalent)	12,363				12,386				12,418				12,367				12,274
Number of domestic full-service branches(3)	772				771				777				756				735

(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.

17

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Huntington Bancshares Incorporated

Consolidated Year To Date Average Balance Sheets

(Unaudited)

	YTD Average Balances (2)
	Six months ended June 30,								Change
(dollar amounts in millions)	2016				2015				Amount				Percent
Assets
Interest-bearing deposits in banks	$	98			$	91			$	7			8	%
Loans held for sale	502				829				(327		)		(39	)
Securities:
Available-for-sale and other securities:
Taxable	6,768				7,791				(1,023		)		(13	)
Tax-exempt	2,434				1,952				482				25
Total available-for-sale and other securities	9,202				9,743				(541		)		(6	)
Trading account securities	40				47				(7		)		(15	)
Held-to-maturity securities - taxable	5,930				3,335				2,595				78
Total securities	15,172				13,125				2,047				16
Loans and leases:(1)
Commercial:
Commercial and industrial	20,996				19,469				1,527				8
Commercial real estate:
Construction	902				929				(27		)		(3	)
Commercial	4,314				4,244				70				2
Commercial real estate	5,216				5,173				43				1
Total commercial	26,212				24,642				1,570				6
Consumer:
Automobile	9,938				8,431				1,507				18
Home equity	8,429				8,494				(65		)		(1	)
Residential mortgage	6,102				5,835				267				5
Other consumer	594				438				156				36
Total consumer	25,063				23,198				1,865				8
Total loans and leases	51,275				47,840				3,435				7
Allowance for loan and lease losses	(610		)		(610		)		—				—
Net loans and leases	50,665				47,230				3,435				7
Total earning assets	67,047				61,885				5,162				8
Cash and due from banks	1,007				930				77				8
Intangible assets	728				670				58				9
All other assets	4,187				4,180				7				—
Total assets	$	72,359			$	67,055			$	5,304			8	%
Liabilities and shareholders’ equity
Deposits:
Demand deposits - noninterest-bearing	$	16,421			$	15,575			$	846			5	%
Demand deposits - interest-bearing	8,111				6,380				1,731				27
Total demand deposits	24,532				21,955				2,577				12
Money market deposits	19,608				19,084				524				3
Savings and other domestic deposits	5,354				5,220				134				3
Core certificates of deposit	2,136				2,726				(590		)		(22	)
Total core deposits	51,630				48,985				2,645				5
Other domestic deposits of $250,000 or more	429				190				239				126
Brokered deposits and negotiable CDs	2,903				2,651				252				10
Deposits in foreign offices	236				559				(323		)		(58	)
Total deposits	55,198				52,385				2,813				5
Short-term borrowings	1,089				2,018				(929		)		(46	)
Long-term debt	7,549				4,744				2,805				59
Total interest-bearing liabilities	47,415				43,572				3,843				9
All other liabilities	1,465				1,441				24				2
Shareholders’ equity	7,058				6,467				591				9
Total liabilities and shareholders’ equity	$	72,359			$	67,055			$	5,304			8	%

(1)	Includes nonaccrual loans.

(2)	Amounts include the effects of hedge and risk management activities associated with the respective asset and liability categories.

18

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Huntington Bancshares Incorporated

Consolidated Year To Date Net Interest Margin - Interest Income / Expense(1)(2)

(Unaudited)

	YTD Interest Income / Expense
	Six months ended June 30,
(dollar amounts in thousands)	2016				2015
Assets
Interest-bearing deposits in banks	$	114			$	60
Loans held for sale	9,868				14,066
Securities:
Available-for-sale and other securities:
Taxable	80,606				99,381
Tax-exempt	41,253				30,163
Total available-for-sale and other securities	121,859				129,544
Trading account securities	151				259
Held-to-maturity securities - taxable	72,209				41,408
Total securities	194,219				171,211
Loans and leases:
Commercial:
Commercial and industrial	372,305				339,909
Commercial real estate:
Construction	16,429				17,287
Commercial	75,583				74,526
Commercial real estate	92,012				91,813
Total commercial	464,317				431,722
Consumer:
Automobile	156,291				134,715
Home equity	175,351				168,597
Residential mortgage	112,019				108,928
Other consumer	29,980				18,114
Total consumer	473,641				430,354
Total loans and leases	937,958				862,076
Total earning assets	$	1,142,159			$	1,047,413
Liabilities
Deposits:
Demand deposits - noninterest-bearing	$	—			$	—
Demand deposits - interest-bearing	3,618				1,677
Total demand deposits	3,618				1,677
Money market deposits	23,444				20,661
Savings and other domestic deposits	3,102				3,690
Core certificates of deposit	8,561				10,443
Total core deposits	38,725				36,471
Other domestic deposits of $250,000 or more	859				407
Brokered deposits and negotiable CDs	5,603				2,190
Deposits in foreign offices	154				364
Total deposits	45,341				39,432
Short-term borrowings	1,811				1,273
Long-term debt	66,810				32,815
Total interest-bearing liabilities	113,962				73,520
Net interest income	$	1,028,197			$	973,893

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

(2)	Amounts include the effects of hedge and risk management activities associated with the respective asset and liability categories.

19

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Huntington Bancshares Incorporated

Consolidated Year To Date Net Interest Margin - Yield

(Unaudited)

	YTD Average Rates(2)
	Six months ended June 30,
Fully-taxable equivalent basis(1)	2016			2015
Assets
Interest-bearing deposits in banks	0.23	%		0.13	%
Loans held for sale	3.93			3.39
Securities:
Available-for-sale and other securities:
Taxable	2.38			2.55
Tax-exempt	3.39			3.09
Total available-for-sale and other securities	2.65			2.66
Trading account securities	0.75			1.10
Held-to-maturity securities - taxable	2.44			2.48
Total securities	2.56			2.61
Loans and leases:(3)
Commercial:
Commercial and industrial	3.51			3.47
Commercial real estate:
Construction	3.60			3.70
Commercial	3.47			3.49
Commercial real estate	3.49			3.53
Total commercial	3.50			3.48
Consumer:
Automobile	3.16			3.22
Home equity	4.18			4.00
Residential mortgage	3.67			3.73
Other consumer	10.16			8.33
Total consumer	3.80			3.73
Total loans and leases	3.65			3.61
Total earning assets	3.43	%		3.41	%
Liabilities
Deposits:
Demand deposits - noninterest-bearing	—	%		—	%
Demand deposits - interest-bearing	0.09			0.05
Total demand deposit	0.03			0.02
Money market deposits	0.24			0.22
Savings and other domestic deposits	0.12			0.14
Core certificates of deposit	0.81			0.77
Total core deposits	0.22			0.22
Other domestic deposits of $250,000 or more	0.40			0.43
Brokered deposits and negotiable CDs	0.39			0.17
Deposits in foreign offices	0.13			0.13
Total deposits	0.24			0.22
Short-term borrowings	0.33			0.13
Long-term debt	1.77			1.38
Total interest bearing liabilities	0.48			0.34
Net interest rate spread	2.94			3.07
Impact of noninterest-bearing funds on margin	0.14			0.10
Net interest margin	3.08	%		3.17	%

Commercial Loan Derivative Impact

(Unaudited)

	YTD Average Rates
	Six months ended June 30,
Fully-taxable equivalent basis(1)	2016			2015
Commercial loans(2)(3)	3.42	%		3.27	%
Impact of commercial loan derivatives	0.08	%		0.21	%
Total commercial - as reported	3.50	%		3.48	%
Average 30 day LIBOR	0.44	%		0.18	%

(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)

	Six months ended June 30,								Change
(dollar amounts in thousands, except per share amounts)	2016				2015				Amount				Percent
Interest income	$	1,122,909			$	1,031,891			$	91,018			9	%
Interest expense	113,962				73,520				40,442				55
Net interest income	1,008,947				958,371				50,576				5
Provision for credit losses	52,091				41,010				11,081				27
Net interest income after provision for credit losses	956,856				917,361				39,495				4
Service charges on deposit accounts	145,875				132,338				13,537				10
Cards and payment processing income	75,631				68,457				7,174				10
Mortgage banking income	50,134				61,479				(11,345		)		(18	)
Trust services	45,335				55,589				(10,254		)		(18	)
Insurance income	32,172				33,532				(1,360		)		(4	)
Brokerage income	30,101				30,684				(583		)		(2	)
Capital market fees	26,047				27,097				(1,050		)		(4	)
Bank owned life insurance income	26,049				26,240				(191		)		(1	)
Gain on sale of loans	14,660				17,042				(2,382		)		(14	)
Securities gains (losses)	656				82				574				700
Other income	66,319				60,856				5,463				9
Total noninterest income	512,979				513,396				(417		)		—
Personnel costs	584,346				547,051				37,295				7
Outside data processing and other services	124,915				109,043				15,872				15
Equipment	64,381				61,943				2,438				4
Net occupancy	62,180				59,881				2,299				4
Marketing	27,041				27,999				(958		)		(3	)
Professional services	35,026				25,320				9,706				38
Deposit and other insurance expense	23,395				21,954				1,441				7
Amortization of intangibles	7,312				20,166				(12,854		)		(64	)
Other expense	86,145				77,277				8,868				11
Total noninterest expense	1,014,741				950,634				64,107				7
Income before income taxes	455,094				480,123				(25,029		)		(5	)
Provision for income taxes	109,240				118,063				(8,823		)		(7	)
Net income	345,854				362,060				(16,206		)		(4	)
Dividends on preferred shares	27,872				15,933				11,939				75
Net income applicable to common shares	$	317,982			$	346,127			$	(28,145	)		(8	)%
Average common shares - basic	796,961				808,335				(11,374		)		(1	)%
Average common shares - diluted	809,360				822,023				(12,663		)		(2	)
Per common share
Net income - basic	$	0.40			$	0.43			$	(0.03	)		(7	)
Net income - diluted	0.39				0.42				(0.03		)		(7	)
Cash dividends declared	0.14				0.12				0.02				17
Revenue - fully taxable equivalent (FTE)
Net interest income	$	1,008,947			$	958,371			$	50,576			5
FTE adjustment(2)	19,250				15,522				3,728				24
Net interest income	1,028,197				973,893				54,304				6
Noninterest income	512,979				513,396				(417		)		—
Total revenue(2)	$	1,541,176			$	1,487,289			$	53,887			4	%

 

(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.

21

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Huntington Bancshares Incorporated

Year To Date Mortgage Banking Income

(Unaudited)

	Six months ended June 30,								Change
(dollar amounts in thousands, except as noted)	2016				2015				Amount				Percent
Mortgage banking income
Origination and secondary marketing	$	45,395			$	46,382			$	(987	)		(2	)%
Servicing fees	22,147				21,519				628				3
Amortization of capitalized servicing	(13,078		)		(13,944		)		866				6
Other mortgage banking income	3,995				6,016				(2,021		)		(34	)
Subtotal	58,459				59,973				(1,514		)		(3	)
MSR valuation adjustment(1)	(26,629		)		5,361				(31,990		)		597
Net trading gains (losses) related to MSR hedging	18,304				(3,855		)		22,159				(575	)
Total mortgage banking income	$	50,134			$	61,479			$	(11,345	)		(18	)%
Mortgage originations (in millions)	$	2,536			$	2,434			$	102			4	%
Capitalized mortgage servicing rights(2)	153,532				163,808				(10,276		)		(6	)
Total mortgages serviced for others (in millions)(2)	16,211				15,722				489				3
MSR % of investor servicing portfolio	0.96		%		1.04		%		0.01		%		(8	)
Net impact of MSR hedging
MSR valuation adjustment(1)	$	(26,629	)		$	5,361			$	(31,990	)		597
Net trading gains (losses) related to MSR hedging	18,304				(3,855		)		22,159				(575	)
Net gain (loss) on MSR hedging	$	(8,325	)		$	1,506			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)

	Six months ended June 30,
(dollar amounts in thousands)	2016				2015
Allowance for loan and lease losses, beginning of period	$	597,843			$	605,196
Loan and lease losses	(103,237		)		(102,045		)
Recoveries of loans previously charged off	77,930				52,238
Net loan and lease losses	(25,307		)		(49,807		)
Provision for loan and lease losses	50,424				46,445
Allowance of assets sold or transferred to loans held for sale	104				(2,292		)
Allowance for loan and lease losses, end of period	623,064				599,542
Allowance for unfunded loan commitments and letters of credit, beginning of period	$	72,081			$	60,806
Provision for (reduction in) unfunded loan commitments and letters of credit losses	1,667				(5,435		)
Allowance for unfunded loan commitments and letters of credit, end of period	73,748				55,371
Total allowance for credit losses	$	696,812			$	654,913
Allowance for loan and lease losses (ALLL) as % of:
Total loans and leases	1.19		%		1.23		%
Nonaccrual loans and leases (NALs)	135				165
Nonperforming assets (NPAs)	127				151
Total allowance for credit losses (ACL) as % of:
Total loans and leases	1.33		%		1.34		%
Nonaccrual loans and leases (NALs)	151				180
Nonperforming assets (NPAs)	142				165

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Huntington Bancshares Incorporated

Year To Date Net Charge-Off Analysis

(Unaudited)

	Six months ended June 30,
(dollar amounts in thousands)	2016				2015
Net charge-offs by loan and lease type:
Commercial:
Commercial and industrial	$	10,216			$	15,814
Commercial real estate:
Construction	(481		)		(219		)
Commercial	(17,668		)		1,732
Commercial real estate	(18,149		)		1,513
Total commercial	(7,933		)		17,327
Consumer:
Automobile	11,090				7,690
Home equity	4,759				9,275
Residential mortgage	2,423				4,958
Other consumer	14,968				10,557
Total consumer	33,240				32,480
Total net charge-offs	$	25,307			$	49,807
Net charge-offs - annualized percentages:
Commercial:
Commercial and industrial	0.10		%		0.16		%
Commercial real estate:
Construction	(0.11		)		(0.05		)
Commercial	(0.82		)		0.08
Commercial real estate	(0.70		)		0.06
Total commercial	(0.06		)		0.14
Consumer:
Automobile	0.22				0.18
Home equity	0.11				0.22
Residential mortgage	0.08				0.17
Other consumer	5.04				4.81
Total consumer	0.27				0.28
Net charge-offs as a % of average loans	0.10		%		0.21		%

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Huntington Bancshares Incorporated

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

(Unaudited)

	June 30,
(dollar amounts in thousands)	2016				2015
Nonaccrual loans and leases (NALs): (1)
Commercial and industrial	$	289,811			$	149,713
Commercial real estate	23,663				43,888
Automobile	5,049				4,190
Residential mortgage	85,174				91,198
Home equity	56,845				75,282
Other consumer	5				68
Total nonaccrual loans and leases	460,547				364,339
Other real estate, net:
Residential	26,653				25,660
Commercial	2,248				3,572
Total other real estate, net	28,901				29,232
Other NPAs(2)	376				2,440
Total nonperforming assets (4)	$	489,824			$	396,011
Nonaccrual loans and leases as a % of total loans and leases	0.88		%		0.75		%
NPA ratio(3)	0.93				0.81

	Six months ended June 30,
(dollar amounts in thousands)	2016				2015
Nonperforming assets, beginning of period	$	398,923			$	337,723
New nonperforming assets	315,284				287,967
Returns to accruing status	(32,937		)		(64,088		)
Loan and lease losses	(65,885		)		(75,371		)
Payments	(110,106		)		(68,974		)
Sales and transfers to held-for-sale	(15,455		)		(21,246		)
Nonperforming assets, end of period (3)	$	489,824			$	396,011

(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.

25

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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)

	June 30,
(dollar amounts in thousands)	2016				2015
Accruing loans and leases past due 90 days or more:
Commercial and industrial	$	5,616			$	6,621
Commercial real estate	10,799				10,920
Automobile	5,452				4,269
Residential mortgage (excluding loans guaranteed by the U.S. Government)	11,383				21,869
Home equity	7,579				11,713
Other consumer	1,645				846
Total, excl. loans guaranteed by the U.S. Government	42,474				56,238
Add: loans guaranteed by U.S. Government	56,105				50,640
Total accruing loans and leases past due 90 days or more, including loans guaranteed by the U.S. Government	$	98,579			$	106,878
Ratios:
Excluding loans guaranteed by the U.S. Government, as a percent of total loans and leases	0.08		%		0.12		%
Guaranteed by U.S. Government, as a percent of total loans and leases	0.11				0.10
Including loans guaranteed by the U.S. Government, as a percent of total loans and leases	0.19				0.22
Accruing troubled debt restructured loans (1):
Commercial and industrial	$	232,112			$	233,346
Commercial real estate	85,015				158,056
Automobile	25,892				24,774
Home equity	203,047				279,864
Residential mortgage	256,859				266,986
Other consumer	4,522				4,722
Total accruing troubled debt restructured loans	$	807,447			$	967,748
Nonaccruing troubled debt restructured loans (1):
Commercial and industrial	$	77,592			$	46,303
Commercial real estate	6,833				19,490
Automobile	4,907				4,030
Home equity	21,145				26,568
Residential mortgage	63,638				65,415
Other consumer	142				160
Total nonaccruing troubled debt restructured loans	$	174,257			$	161,966

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

26