Exhibit 99.2

HUNTINGTON BANCSHARES INCORPORATED

Quarterly Financial Supplement

December 31, 2017

Table of Contents

Quarterly Key Statistics	1
Annual 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 Annual Average Balance Sheets	18
Consolidated Annual Net Interest Margin - Interest Income / Expense	19
Consolidated Annual Net Interest Margin - Yield	20
Selected Annual Income Statement Data	21
Annual Mortgage Banking Income	22
Annual Credit Reserves Analysis	23
Annual Net Charge-Off Analysis	24
Annual Nonaccrual Loans and Leases (NALs) and Nonperforming Assets (NPAs)	25
Annual 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
	December 31,				September 30,				December 31,					Percent Changes vs.
(amounts in millions, except per share amounts)	2017				2017				2016					3Q17			4Q16
Net interest income(3)	$	782			$	771			$	748				1	%		5	%
FTE adjustment	(12		)		(13		)		(13		)			8			8
Net interest income	770				758				735					2			5
Provision for credit losses	65				43				75					51			(13	)
Noninterest income	340				330				334					3			2
Noninterest expense	633				680				681					(7	)		(7	)
Income before income taxes	412				365				313					13			32
Provision for income taxes	(20		)		90				74					(122	)		(127	)
Net income	432				275				239					57			81
Dividends on preferred shares	19				19				19					—			—
Net income applicable to common shares	$	413			$	256			$	220				61	%		88	%
Net income per common share - diluted	$	0.37			$	0.23			$	0.20				61	%		85	%
Cash dividends declared per common share	0.11				0.08				0.08					38			38
Tangible book value per common share at end of period	6.97				6.85				6.43					2			8
Number of common shares repurchased (000)	9,785				9,645				—					1			100
Average common shares - basic	1,077,397				1,086,038				1,085,253					(1	)		(1	)
Average common shares - diluted	1,130,117				1,106,491				1,104,358					2			2
Ending common shares outstanding	1,072,027				1,080,946				1,085,689					(1	)		(1	)
Return on average assets	1.67		%		1.08		%		0.95		%
Return on average common shareholders’ equity	17.0				10.5				9.4
Return on average tangible common shareholders’ equity(2)	22.7				14.1				12.9
Net interest margin(3)	3.30				3.29				3.25
Efficiency ratio(4)	54.9				60.5				61.6
Effective tax rate	(4.8		)		24.7				23.6
Average total assets	$	102,302			$	101,290			$	100,367				1			2
Average earning assets	93,937				92,849				91,463					1			3
Average loans and leases	68,940				68,276				66,405					1			4
Average loans and leases - linked quarter annualized growth rate	3.9		%		5.5		%		37.4		%
Average total deposits	$	77,737			$	77,544			$	76,886				—			1
Average core deposits(5)	73,946				73,549				72,070					1			3
Average core deposits - linked quarter annualized growth rate	2.2		%		7.0		%		64.8		%
Average shareholders’ equity	$	10,677			$	10,745			$	10,426				(1	)		2
Average common total shareholders' equity	9,606				9,674				9,355					(1	)		3
Average tangible common shareholders' equity	7,383				7,443				7,080					(1	)		4
Total assets at end of period	104,185				101,988				99,714					2			4
Total shareholders’ equity at end of period	10,814				10,699				10,308					1			5
NCOs as a % of average loans and leases	0.24		%		0.25		%		0.26		%
NAL ratio	0.50				0.49				0.63
NPA ratio(6)	0.55				0.56				0.72
Allowance for loan and lease losses (ALLL) as a % of total loans and leases at the end of period	0.99				0.98				0.95
ALLL plus allowance for unfunded loan commitments and letters of credit (ACL) as a % of total loans and leases at the end of period	1.11				1.10				1.10
ACL as a % of NALs	223				223				174
ACL as a % of NPAs	200				195				153
Common equity tier 1 risk-based capital ratio(7)	9.89				9.94				9.56
Tangible common equity / tangible asset ratio(8)	7.34				7.42				7.16

See Notes to the Annual and Quarterly Key Statistics.

1

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Huntington Bancshares Incorporated

Annual Key Statistics(1)

(Unaudited)

	Year Ended December 31,								Change
(amounts in millions, except per share amounts)	2017				2016				Amount				Percent
Net interest income(3)	$	3,052			$	2,412			$	640			27	%
FTE adjustment	(50		)		(43		)		(7		)		(16	)
Net interest income	3,002				2,369				633				27
Provision for credit losses	201				191				10				5
Noninterest income	1,307				1,150				157				14
Noninterest expense	2,714				2,408				306				13
Income before income taxes	1,394				920				474				52
Provision for income taxes	208				208				—				—
Net Income	1,186				712				474				67
Dividends on preferred shares	76				65				11				17
Net income applicable to common shares	$	1,110			$	647			$	463			72	%
Net income per common share - diluted	$	1.00			$	0.70			$	0.30			43	%
Cash dividends declared per common share	0.35				0.29				0.06				21
Average common shares - basic (000)	1,084,686				904,438				180,248				20
Average common shares - diluted	1,136,186				918,790				217,396				24
Return on average assets	1.17		%		0.86		%
Return on average common shareholders’ equity	11.6				8.6
Return on average tangible common shareholders’ equity(2)	15.7				10.7
Net interest margin(3)	3.30				3.16
Efficiency ratio(4)	60.9				66.8
Effective tax rate	14.9				22.6
Average total assets	$	101,021			$	83,054			$	17,967			22
Average earning assets	92,423				76,362				16,061				21
Average loans and leases	67,891				57,454				10,437				18
Average total deposits	76,950				63,491				13,459				21
Average core deposits(5)	72,830				59,380				13,450				23
Average shareholders’ equity	10,611				8,391				2,220				26
Average common total shareholders' equity	9,539				7,535				2,004				27
Average tangible common shareholders' equity	7,304				6,242				1,062				17
NCOs as a % of average loans and leases	0.23		%		0.19		%
NAL ratio	0.50				0.63
NPA ratio(6)	0.55				0.72

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)	December 31, 2017, 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, calculated at a 21% tax rate at December 31, 2017 and a 35% tax rate for periods prior to December 31, 2017.

3

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Huntington Bancshares Incorporated

Consolidated Balance Sheets

	December 31,				December 31,
(dollar amounts in millions, except number of shares)	2017				2016				Percent Changes
	(Unaudited)
Assets
Cash and due from banks	$	1,520			$	1,385			10	%
Interest-bearing deposits in banks	47				58				(19	)
Trading account securities	86				133				(35	)
Available-for-sale and other securities	15,469				15,563				(1	)
Held-to-maturity securities	9,091				7,807				16
Loans held for sale	488				513				(5	)
Loans and leases(1)	70,117				66,962				5
Allowance for loan and lease losses	(691		)		(638		)		(8	)
Net loans and leases	69,426				66,324				5
Bank owned life insurance	2,466				2,432				1
Premises and equipment	864				816				6
Goodwill	1,993				1,993				—
Other intangible assets	346				402				(14	)
Servicing rights	238				226				5
Accrued income and other assets	2,151				2,062				4
Total assets	$	104,185			$	99,714			4	%
Liabilities and shareholders’ equity
Liabilities
Deposits(2)	$	77,041			$	75,608			2	%
Short-term borrowings	5,056				3,693				37
Long-term debt	9,206				8,309				11
Accrued expenses and other liabilities	2,068				1,796				15
Total liabilities	93,371				89,406				4
Shareholders' equity
Preferred stock	1,071				1,071				—
Common stock	11				11				—
Capital surplus	9,707				9,881				(2	)
Less treasury shares, at cost	(35		)		(27		)		(30	)
Accumulated other comprehensive loss	(435		)		(401		)		(8	)
Retained (deficit) earnings	495				(227		)		318
Total shareholders’ equity	10,814				10,308				5
Total liabilities and shareholders’ equity	$	104,185			$	99,714			4	%
Common shares authorized (par value of $0.01)	1,500,000,000				1,500,000,000
Common shares issued	1,075,294,946				1,088,641,251
Common shares outstanding	1,072,026,681				1,085,688,538
Treasury shares outstanding	3,268,265				2,952,713
Preferred stock, authorized shares	6,617,808				6,617,808
Preferred shares issued	2,702,571				2,702,571
Preferred shares outstanding	1,098,006				1,098,006

(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)

	December 31,							September 30,							June 30,							March 31,							December 31,
(dollar amounts in millions)	2017							2017							2017							2017							2016
Ending Balances by Type:
Total loans
Commercial:
Commercial and industrial	$	28,107			40	%		$	27,469			40	%		$	27,969			41	%		$	28,176			42	%		$	28,059			42	%
Commercial real estate:
Construction	1,217				2			1,182				2			1,145				2			1,107				2			1,446				2
Commercial	6,008				9			6,024				9			6,000				9			5,986				9			5,855				9
Commercial real estate	7,225				11			7,206				11			7,145				11			7,093				11			7,301				11
Total commercial	35,332				51			34,675				51			35,114				52			35,269				53			35,360				53
Consumer:
Automobile	12,100				17			11,876				17			11,555				17			11,155				17			10,969				16
Home equity	10,099				14			9,985				15			9,966				15			9,974				15			10,106				15
Residential mortgage	9,026				13			8,616				13			8,237				12			7,829				12			7,725				12
RV and marine finance	2,438				3			2,371				3			2,178				3			1,935				2			1,846				3
Other consumer	1,122				2			1,064				1			1,009				1			936				1			956				1
Total consumer	34,785				49			33,912				49			32,945				48			31,829				47			31,602				47
Total loans and leases	$	70,117			100	%		$	68,587			100	%		$	68,059			100	%		$	67,098			100	%		$	66,962			100	%

	December 31,							September 30,							June 30,							March 31,							December 31,
(dollar amounts in millions)	2017							2017							2017							2017							2016
Ending Balances by Business Segment:
Consumer and Business Banking	$	21,379			31	%		$	20,921			31	%		$	20,663			31	%		$	20,378			30	%		$	20,433			31	%
Commercial Banking and Commercial Real Estate (1)	25,767				37			25,297				37			25,400				37			25,384				38			25,706				38
Vehicle Finance	17,818				25			17,363				25			17,040				25			16,512				25			16,109				24
RBHPCG	5,145				7			5,012				7			4,888				7			4,690				7			4,610				7
Treasury / Other	8				—			(6		)		—			68				—			134				—			104				—
Total loans and leases	$	70,117			100	%		$	68,587			100	%		$	68,059			100	%		$	67,098			100	%		$	66,962			100	%
Average Balances by Business Segment:
Consumer and Business Banking	$	21,096			31	%		$	20,769			31	%		$	20,525			31	%		$	20,433			31	%		$	20,420			31	%
Commercial Banking and Commercial Real Estate (1)	25,208				37			25,209				37			25,198				37			25,585				38			25,373				38
Vehicle Finance	17,497				25			17,242				25			16,751				25			16,237				24			15,916				24
RBHPCG	5,071				7			4,937				7			4,758				7			4,640				7			4,572				7
Treasury / Other	68				—			119				—			113				—			86				—			124				—
Total loans and leases	$	68,940			100	%		$	68,276			100	%		$	67,345			100	%		$	66,981			100	%		$	66,405			100	%

(1)	We announced a change within our executive leadership team, which became effective during the 2017 fourth quarter. As a result, the Commercial Real Estate operating unit is now included as an operating unit within the Commercial Banking and Commercial Real Estate segment.

                                                                                                                                   

5

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Huntington Bancshares Incorporated

Deposits Composition

(Unaudited)

	December 31,							September 30,							June 30,							March 31,							December 31,
(dollar amounts in millions)	2017							2017							2017							2017							2016
Ending Balances by Type:
Demand deposits - noninterest-bearing	$	21,546			28	%		$	22,225			28	%		$	21,420			28	%		$	21,489			28	%		$	22,836			30	%
Demand deposits - interest-bearing	18,001				23			18,343				23			17,113				23			18,618				24			15,676				21
Money market deposits	20,690				27			20,553				26			19,423				26			18,664				24			18,407				24
Savings and other domestic deposits	11,270				15			11,441				15			11,758				15			12,043				16			11,975				16
Core certificates of deposit	1,934				3			2,009				3			2,088				3			2,188				3			2,535				3
Total core deposits	73,441				96			74,571				95			71,802				95			73,002				95			71,429				94
Other domestic deposits of $250,000 or more	239				—			418				1			441				1			524				1			395				1
Brokered deposits and negotiable CDs	3,361				4			3,456				4			3,690				4			3,897				4			3,784				5
Deposits in foreign offices	—				—			—				—			—				—			—				—			—				—
Total deposits	$	77,041			100	%		$	78,445			100	%		$	75,933			100	%		$	77,423			100	%		$	75,608			100	%
Total core deposits:
Commercial	$	34,273			47	%		$	35,516			48	%		$	32,201			45	%		$	32,963			45	%		$	31,887			45	%
Consumer	39,168				53			39,055				52			39,601				55			40,039				55			39,542				55
Total core deposits	$	73,441			100	%		$	74,571			100	%		$	71,802			100	%		$	73,002			100	%		$	71,429			100	%
Ending Balances by Business Segment:
Consumer and Business Banking	$	45,643			59	%		$	45,694			58	%		$	45,972			61	%		$	46,153			60	%		$	45,356			60	%
Commercial Banking and Commercial Real Estate (1)	21,235				28			22,529				29			19,481				26			20,613				27			19,597				26
Vehicle Finance	358				—			319				—			330				—			319				—			349				—
RBHPCG	6,057				8			5,944				8			5,883				8			5,982				8			6,214				8
Treasury / Other(2)	3,748				5			3,959				5			4,267				5			4,356				5			4,092				6
Total deposits	$	77,041			100	%		$	78,445			100	%		$	75,933			100	%		$	77,423			100	%		$	75,608			100	%

	December 31,							September 30,							June 30,							March 31,							December 31,
(dollar amounts in millions)	2017							2017							2017							2017							2016
Average Balances by Business Segment:
Consumer and Business Banking	$	45,625			59	%		$	45,511			59	%		$	45,704			60	%		$	45,215			59	%		$	45,564			60	%
Commercial Banking and Commercial Real Estate (1)	22,118				28			21,834				28			20,267				26			20,215				27			20,250				26
Vehicle Finance	323				—			300				—			301				—			317				—			315				—
RBHPCG	5,851				8			5,826				8			5,937				8			5,918				8			6,084				8
Treasury / Other(2)	3,820				5			4,073				5			4,344				6			4,274				6			4,673				6
Total deposits	$	77,737			100	%		$	77,544			100	%		$	76,553			100	%		$	75,939			100	%		$	76,886			100	%

(1)	We announced a change within our executive leadership team, which became effective during the 2017 fourth quarter. As a result, the Commercial Real Estate operating unit is now included as an operating unit within the Commercial Banking and Commercial Real Estate segment.

(2)	Comprised primarily of national market deposits.

6

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Huntington Bancshares Incorporated

Consolidated Quarterly Average Balance Sheets

(Unaudited)

	Quarterly Average Balances (2)
	December 31,				September 30,				June 30,				March 31,				December 31,					Percent Changes vs.
(dollar amounts in millions)	2017				2017				2017				2017				2016					3Q17			4Q16
Assets
Interest-bearing deposits in banks	$	90			$	102			$	102			$	100			$	110				(12	)		(18	)
Securities:
Trading account securities	87				92				91				137				139					(5	)		(37	)
Available-for-sale and other securities:
Taxable	11,751				12,276				13,135				12,801				13,734					(4	)		(14	)
Tax-exempt	3,405				3,161				3,104				3,049				3,136					8			9
Total available-for-sale and other securities	15,156				15,437				16,239				15,850				16,870					(2	)		(10	)
Held-to-maturity securities - taxable	9,066				8,264				7,426				7,656				5,432					10			67
Total securities	24,309				23,793				23,756				23,643				22,441					2			8
Loans held for sale	598				678				525				415				2,507					(12	)		(76	)
Loans and leases:(1)
Commercial:
Commercial and industrial	27,445				27,643				27,992				27,923				27,727					(1	)		(1	)
Commercial real estate:
Construction	1,199				1,152				1,130				1,314				1,413					4			(15	)
Commercial	5,997				6,064				5,940				6,039				5,805					(1	)		3
Commercial real estate	7,196				7,216				7,070				7,353				7,218					—			—
Total commercial	34,641				34,859				35,062				35,276				34,945					(1	)		(1	)
Consumer:
Automobile	11,963				11,713				11,324				11,063				10,866					2			10
Home equity	10,027				9,960				9,958				10,072				10,101					1			(1	)
Residential mortgage	8,809				8,402				7,979				7,777				7,690					5			15
RV and marine finance	2,405				2,296				2,039				1,874				1,844					5			30
Other consumer	1,095				1,046				983				919				959					5			14
Total consumer	34,299				33,417				32,283				31,705				31,460					3			9
Total loans and leases	68,940				68,276				67,345				66,981				66,405					1			4
Allowance for loan and lease losses	(688		)		(672		)		(672		)		(636		)		(614		)			2			12
Net loans and leases	68,252				67,604				66,673				66,345				65,791					1			4
Total earning assets	93,937				92,849				91,728				91,139				91,463					1			3
Cash and due from banks	1,226				1,299				1,287				2,011				1,538					(6	)		(20	)
Intangible assets	2,346				2,359				2,373				2,387				2,421					(1	)		(3	)
All other assets	5,481				5,455				5,405				5,442				5,559					—			(1	)
Total assets	$	102,302			$	101,290			$	100,121			$	100,343			$	100,367				1	%		2	%
Liabilities and shareholders’ equity
Deposits:
Demand deposits - noninterest-bearing	$	21,745			$	21,723			$	21,599			$	21,730			$	23,250				—	%		(6	)%
Demand deposits - interest-bearing	18,175				17,878				17,445				16,805				15,294					2			19
Total demand deposits	39,920				39,601				39,044				38,535				38,544					1			4
Money market deposits	20,731				20,314				19,212				18,653				18,618					2			11
Savings and other domestic deposits	11,348				11,590				11,889				11,970				12,272					(2	)		(8	)
Core certificates of deposit	1,947				2,044				2,146				2,342				2,636					(5	)		(26	)
Total core deposits	73,946				73,549				72,291				71,500				72,070					1			3
Other domestic deposits of $250,000 or more	400				432				479				470				391					(7	)		2
Brokered deposits and negotiable CDs	3,391				3,563				3,783				3,969				4,273					(5	)		(21	)
Deposits in foreign offices	—				—				—				—				152					—			(100	)
Total deposits	77,737				77,544				76,553				75,939				76,886					—			1
Short-term borrowings	2,837				2,391				2,687				3,792				2,628					19			8
Long-term debt	9,232				8,949				8,730				8,529				8,594					3			7
Total interest-bearing liabilities	68,061				67,161				66,371				66,530				64,858					1			5
All other liabilities	1,819				1,661				1,557				1,661				1,833					10			(1	)
Shareholders’ equity	10,677				10,745				10,594				10,422				10,426					(1	)		2
Total liabilities and shareholders’ equity	$	102,302			$	101,290			$	100,121			$	100,343			$	100,367				1	%		2	%

(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
	December 31,				September 30,				June 30,				March 31,				December 31,
(dollar amounts in millions)	2017				2017				2017				2017				2016
Assets
Interest-bearing deposits in banks	$	1			$	—			$	1			$	—			$	—
Securities:
Trading account securities	—				—				—				—				—
Available-for-sale and other securities:
Taxable	75				74				78				76				84
Tax-exempt	31				29				29				29				28
Total available-for-sale and other securities	106				103				107				105				112
Held-to-maturity securities - taxable	55				49				44				45				33
Total securities	161				152				151				150				145
Loans held for sale	5				7				5				4				19
Loans and leases:
Commercial:
Commercial and industrial	292				286				286				278				272
Commercial real estate:
Construction	14				13				12				13				13
Commercial	61				63				60				56				53
Commercial real estate	75				76				72				69				66
Total commercial	367				362				358				347				338
Consumer:
Automobile	109				106				100				97				97
Home equity	119				119				114				111				108
Residential mortgage	80				77				73				71				69
RV and marine finance	32				32				28				26				26
Other consumer	32				31				28				27				26
Total consumer	372				365				343				332				326
Total loans and leases	739				727				701				679				664
Total earning assets	$	906			$	886			$	858			$	833			$	828
Liabilities
Deposits:
Demand deposits - noninterest-bearing	$	—			$	—			$	—			$	—			$	—
Demand deposits - interest-bearing	13				10				9				6				4
Total demand deposits	13				10				9				6				4
Money market deposits	20				19				15				12				11
Savings and other domestic deposits	5				6				6				7				8
Core certificates of deposit	4				4				3				2				2
Total core deposits	42				39				33				27				25
Other domestic deposits of $250,000 or more	—				1				—				1				—
Brokered deposits and negotiable CDs	11				10				9				7				5
Deposits in foreign offices	—				—				—				—				—
Total deposits	53				50				42				35				30
Short-term borrowings	8				6				5				6				3
Long-term debt	63				59				54				50				47
Total interest bearing liabilities	124				115				101				91				80
Net interest income	$	782			$	771			$	757			$	742			$	748

(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)
	December 31,			September 30,			June 30,			March 31,			December 31,
Fully-taxable equivalent basis(1)	2017			2017			2017			2017			2016
Assets
Interest-bearing deposits in banks	1.92	%		1.77	%		1.53	%		1.09	%		0.64	%
Securities:
Trading account securities	0.21			0.16			0.25			0.11			0.18
Available-for-sale and other securities:
Taxable	2.52			2.42			2.38			2.38			2.43
Tax-exempt	3.76			3.62			3.71			3.77			3.60
Total available-for-sale and other securities	2.80			2.67			2.64			2.65			2.65
Held-to-maturity securities - taxable	2.41			2.36			2.38			2.36			2.43
Total securities	2.64			2.55			2.55			2.54			2.58
Loans held for sale	3.68			3.83			3.73			3.82			2.95
Loans and leases:(3)
Commercial:
Commercial and industrial	4.17			4.05			4.04			3.98			3.83
Commercial real estate:
Construction	4.47			4.55			4.26			3.95			3.65
Commercial	4.03			4.08			3.97			3.69			3.54
Commercial real estate	4.10			4.16			4.02			3.74			3.56
Total commercial	4.15			4.07			4.04			3.93			3.78
Consumer:
Automobile	3.61			3.60			3.55			3.55			3.57
Home equity	4.71			4.72			4.61			4.45			4.24
Residential mortgage	3.66			3.65			3.66			3.63			3.58
RV and marine finance	5.25			5.43			5.57			5.63			5.64
Other consumer	11.53			11.59			11.47			12.05			10.91
Total consumer	4.31			4.32			4.27			4.23			4.13
Total loans and leases	4.23			4.20			4.15			4.07			3.95
Total earning assets	3.83			3.78			3.75			3.70			3.60
Liabilities
Deposits:
Demand deposits - noninterest-bearing	—			—			—			—			—
Demand deposits - interest-bearing	0.26			0.23			0.20			0.15			0.11
Total demand deposits	0.12			0.10			0.09			0.07			0.04
Money market deposits	0.40			0.36			0.31			0.26			0.24
Savings and other domestic deposits	0.20			0.20			0.21			0.22			0.25
Core certificates of deposit	0.75			0.73			0.56			0.39			0.29
Total interest-bearing core deposits	0.32			0.30			0.26			0.22			0.20
Other domestic deposits of $250,000 or more	0.54			0.61			0.49			0.45			0.39
Brokered deposits and negotiable CDs	1.21			1.16			0.95			0.72			0.48
Deposits in foreign offices	—			—			—			—			0.13
Total interest-bearing deposits	0.37			0.35			0.31			0.26			0.23
Short-term borrowings	1.15			0.95			0.78			0.63			0.36
Long-term debt	2.73			2.65			2.49			2.33			2.19
Total interest-bearing liabilities	0.73			0.68			0.61			0.54			0.48
Net interest rate spread	3.10			3.10			3.14			3.16			3.12
Impact of noninterest-bearing funds on margin	0.20			0.19			0.17			0.14			0.13
Net interest margin	3.30	%		3.29	%		3.31	%		3.30	%		3.25	%

Commercial Loan Derivative Impact

(Unaudited)

	Average Rates
	2017			2017			2017			2017			2016
Fully-taxable equivalent basis(1)	Fourth			Third			Second			First			Fourth
Commercial loans(2)(3)	4.16	%		4.10	%		4.06	%		3.93	%		3.76	%
Impact of commercial loan derivatives	(0.01	)		(0.03	)		(0.02	)		—			0.02
Total commercial - as reported	4.15	%		4.07	%		4.04	%		3.93	%		3.78	%
Average 30 day LIBOR	1.33	%		1.23	%		1.06	%		0.80	%		0.59	%

(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 nonaccrual loans.

9

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Huntington Bancshares Incorporated

Selected Quarterly Income Statement Data(1)

(Unaudited)

	Three Months Ended
	December 31,				September 30,				June 30,				March 31,				December 31,
(dollar amounts in millions, except share amounts)	2017				2017				2017				2017				2016
Interest income	$	894			$	873			$	846			$	820			$	815
Interest expense	124				115				101				91				80
Net interest income	770				758				745				729				735
Provision for credit losses	65				43				25				68				75
Net interest income after provision for credit losses	705				715				720				661				660
Service charges on deposit accounts	91				91				88				83				92
Cards and payment processing income	53				54				52				47				49
Trust and investment management services	41				39				37				39				39
Mortgage banking income	33				34				32				32				38
Insurance income	21				18				22				20				21
Capital markets fees	23				22				17				14				19
Bank owned life insurance income	18				16				15				18				17
Gain on sale of loans	17				14				12				13				25
Securities gains (losses)	(4		)		—				—				—				(2		)
Other income	47				42				50				46				36
Total noninterest income	340				330				325				312				334
Personnel costs	373				377				392				382				360
Outside data processing and other services	71				80				75				87				89
Net occupancy	36				55				53				68				49
Equipment	36				45				43				47				60
Deposit and other insurance expense	19				19				20				20				16
Professional services	18				15				18				18				23
Marketing	10				17				19				14				21
Amortization of intangibles	14				14				14				14				14
Other expense	56				58				60				57				49
Total noninterest expense	633				680				694				707				681
Income before income taxes	412				365				351				266				313
Provision for income taxes	(20		)		90				79				59				74
Net income	432				275				272				207				239
Dividends on preferred shares	19				19				19				19				19
Net income applicable to common shares	$	413			$	256			$	253			$	188			$	220
Average common shares - basic (000)	1,077,397				1,086,038				1,088,934				1,086,374				1,085,253
Average common shares - diluted	1,130,117				1,106,491				1,108,527				1,108,617				1,104,358
Per common share
Net income - basic	$	0.38			$	0.24			$	0.23			$	0.17			$	0.20
Net income - diluted	0.37				0.23				0.23				0.17				0.20
Cash dividends declared	0.11				0.08				0.08				0.08				0.08
Revenue - fully-taxable equivalent (FTE)
Net interest income	$	770			$	758			$	745			$	729			$	735
FTE adjustment	12				13				12				13				13
Net interest income(2)	782				771				757				742				748
Noninterest income	340				330				325				312				334
Total revenue(2)	$	1,122			$	1,101			$	1,082			$	1,054			$	1,082

(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 Noninterest Income

(Unaudited)

`

	Three Months Ended
	December 31,				September 30,				June 30,				March 31,				December 31,					Percent Changes vs.
(dollar amounts in millions)	2017				2017				2017				2017				2016					3Q17			4Q16
Net origination and secondary marketing income	$	24			$	25			$	24			$	22			$	22				(4	)%		9	%
Net mortgage servicing income
Loan servicing income	13				13				13				13				13					—			—
Amortization of capitalized servicing	(8		)		(7		)		(7		)		(7		)		(8		)			14			—
Operating income	5				6				6				6				5					(17	)		—
MSR valuation adjustment (1)	2				—				(3		)		2				25					100			(92	)
Gains (losses) due to MSR hedging	(1		)		—				2				(1		)		(17		)			100			(94	)
Net MSR risk management	1				—				(1		)		1				8					100			(88	)
Total net mortgage servicing income	$	6			$	6			$	5			$	7			$	13				—	%		(54	)%
All other	3				3				3				3				3					—			—
Mortgage banking income	$	33			$	34			$	32			$	32			$	38				(3	)%		(13	)%
Mortgage origination volume	$	1,784			$	1,828			$	1,756			$	1,266			$	1,542				(2	)%		16	%
Mortgage origination volume for sale	1,006				1,095				1,018				793				1,064					(8	)		(5	)
Third party mortgage loans serviced (2)	19,989				19,552				19,111				19,051				18,852					2			6
Mortgage servicing rights (2)	202				195				189				191				186					4			9
MSR % of investor servicing portfolio (2)	1.01		%		1.00		%		0.99		%		1.00		%		0.99		%			1	%		2	%

(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
	December 31,				September 30,				June 30,				March 31,				December 31,
(dollar amounts in millions)	2017				2017				2017				2017				2016
Allowance for loan and lease losses, beginning of period	$	675			$	668			$	673			$	638			$	617
Loan and lease losses	(60		)		(65		)		(57		)		(70		)		(65		)
Recoveries of loans previously charged off	19				22				21				31				21
Net loan and lease losses	(41		)		(43		)		(36		)		(39		)		(44		)
Provision for loan and lease losses	57				50				31				74				65
Allowance of assets sold or transferred to loans held for sale	—				—				—				—				—
Allowance for loan and lease losses, end of period	691				675				668				673				638
Allowance for unfunded loan commitments and letters of credit, beginning of period	79				85				92				98				88
Provision for (reduction in) unfunded loan commitments and letters of credit losses	8				(6		)		(7		)		(6		)		10
Fair value of acquired AULC	—				—				—				—				—
Allowance for unfunded loan commitments and letters of credit, end of period	87				79				85				92				98
Total allowance for credit losses, end of period	$	778			$	754			$	753			$	765			$	736
Allowance for loan and lease losses (ALLL) as % of:
Total loans and leases	0.99		%		0.98		%		0.98		%		1.00		%		0.95		%
Nonaccrual loans and leases (NALs)	198				200				183				168				151
Nonperforming assets (NPAs)	178				175				161				147				133
Total allowance for credit losses (ACL) as % of:
Total loans and leases	1.11		%		1.10		%		1.11		%		1.14		%		1.10		%
Nonaccrual loans and leases	223				223				207				190				174
Nonperforming assets	200				195				181				167				153

12

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Huntington Bancshares Incorporated

Quarterly Net Charge-Off Analysis

(Unaudited)

	Three Months Ended
	December 31,				September 30,				June 30,				March 31,				December 31,
(dollar amounts in millions)	2017				2017				2017				2017				2016
Net charge-offs (recoveries) by loan and lease type:
Total loans
Commercial:
Commercial and industrial	$	8			$	13			$	13			$	8			$	16
Commercial real estate:
Construction	(1		)		(1		)		—				(3		)		(2		)
Commercial	—				(3		)		(4		)		1				(4		)
Commercial real estate	(1		)		(4		)		(4		)		(2		)		(6		)
Total commercial	7				9				9				6				10
Consumer:
Automobile	12				9				9				12				13
Home equity	1				1				1				2				2
Residential mortgage	—				2				1				3				2
RV and marine finance	2				4				2				2				2
Other consumer	19				18				14				14				15
Total consumer	34				34				27				33				34
Total net charge-offs	$	41			$	43			$	36			$	39			$	44
	Three Months Ended
	December 31,				September 30,				June 30,				March 31,				December 31,
	2017				2017				2017				2017				2016
Net charge-offs (recoveries)—annualized percentages:
Commercial:
Commercial and industrial	0.10		%		0.19		%		0.18		%		0.12		%		0.23		%
Commercial real estate:
Construction	(0.14		)		(0.30		)		0.03				(0.96		)		(0.38		)
Commercial	(0.02		)		(0.21		)		(0.24		)		0.06				(0.29		)
Commercial real estate	(0.04		)		(0.22		)		(0.20		)		(0.12		)		(0.30		)
Total commercial	0.07				0.11				0.11				0.07				0.12
Consumer:
Automobile	0.39				0.33				0.29				0.45				0.48
Home equity	0.01				0.06				0.05				0.07				0.06
Residential mortgage	0.04				0.10				0.05				0.13				0.09
RV and marine finance	0.46				0.59				0.37				0.50				0.47
Other consumer	6.99				6.51				5.81				6.33				6.14
Total consumer	0.40				0.40				0.33				0.42				0.42
Net charge-offs as a % of average loans	0.24		%		0.25		%		0.21		%		0.24		%		0.26		%

13

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Huntington Bancshares Incorporated

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

(Unaudited)

	December 31,				September 30,				June 30,				March 31,				December 31,
(dollar amounts in millions)	2017				2017				2017				2017				2016
Nonaccrual loans and leases (NALs):
Commercial and industrial	$	161			$	170			$	195			$	232			$	234
Commercial real estate	29				18				17				14				20
Automobile	6				4				4				5				6
Residential mortgage	84				75				80				81				91
RV and marine finance	1				—				—				—				—
Home equity	68				71				68				69				72
Other consumer	—				—				—				—				—
Total nonaccrual loans and leases	349				338				364				401				423
Other real estate:
Residential	24				26				27				32				31
Commercial	9				16				17				18				20
Total other real estate	33				42				44				50				51
Other NPAs (1)	7				7				7				7				7
Total nonperforming assets	$	389			$	387			$	415			$	458			$	481
Nonaccrual loans and leases as a % of total loans and leases	0.50		%		0.49		%		0.54		%		0.60		%		0.63		%
NPA ratio (2)	0.55				0.56				0.61				0.68				0.72
(NPA+90days)/(Loan+OREO) (3)	0.72				0.74				0.81				0.87				0.91

	December 31,				September 30,				June 30,				March 31,				December 31,
(dollar amounts in millions)	2017				2017				2017				2017				2016
Nonperforming assets, beginning of period	$	387			$	415			$	458			$	481			$	476
New nonperforming assets	116				85				89				125				150
Returns to accruing status	(25		)		(38		)		(33		)		(22		)		(13		)
Loan and lease losses	(21		)		(23		)		(17		)		(34		)		(37		)
Payments	(54		)		(44		)		(71		)		(83		)		(33		)
Sales and held-for-sale transfers	(14		)		(8		)		(11		)		(9		)		(62		)
Nonperforming assets, end of period	$	389			$	387			$	415			$	458			$	481

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

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

(3)	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)

	December 31,				September 30,				June 30,				March 31,				December 31,
(dollar amounts in millions)	2017				2017				2017				2017				2016
Accruing loans and leases past due 90 days or more:
Commercial and industrial	$	9			$	14			$	22			$	15			$	18
Commercial real estate	3				10				17				15				17
Automobile	7				10				9				8				10
Residential mortgage (excluding loans guaranteed by the U.S. Government)	21				14				17				16				15
RV and marine finance	1				2				2				2				1
Home equity	18				16				18				15				12
Other consumer	5				4				3				4				4
Total, excl. loans guaranteed by the U.S. Government	64				70				88				75				77
Add: loans guaranteed by U.S. Government	51				49				48				53				52
Total accruing loans and leases past due 90 days or more, including loans guaranteed by the U.S. Government	$	115			$	119			$	136			$	128			$	129
Ratios:
Excluding loans guaranteed by the U.S. Government, as a percent of total loans and leases	0.09		%		0.10		%		0.13		%		0.11		%		0.12		%
Guaranteed by U.S. Government, as a percent of total loans and leases	0.07				0.07				0.07				0.08				0.08
Including loans guaranteed by the U.S. Government, as a percent of total loans and leases	0.16				0.17				0.20				0.19				0.19
Accruing troubled debt restructured loans:
Commercial and industrial	$	300			$	268			$	270			$	223			$	210
Commercial real estate	78				80				75				81				77
Automobile	30				29				28				28				26
Home equity	265				265				269				271				270
Residential mortgage	224				235				238				239				243
RV and marine finance	1				1				1				1				—
Other consumer	8				7				4				4				4
Total accruing troubled debt restructured loans	$	906			$	885			$	885			$	847			$	830
Nonaccruing troubled debt restructured loans:
Commercial and industrial	$	82			$	96			$	90			$	89			$	107
Commercial real estate	15				4				4				4				5
Automobile	4				4				4				5				5
Home equity	28				31				29				29				28
Residential mortgage	55				51				56				60				59
RV and marine finance	—				—				—				—				—
Other consumer	—				—				—				—				—
Total nonaccruing troubled debt restructured loans	$	184			$	186			$	183			$	187			$	204

15

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Huntington Bancshares Incorporated

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

(Unaudited)

	December 31,				September 30,				June 30,				March 31,				December 31,
(dollar amounts in millions)	2017				2017				2017				2017				2016
Common equity tier 1 risk-based capital ratio:(1)
Total shareholders’ equity	$	10,814			$	10,699			$	10,654			$	10,437			$	10,308
Regulatory capital adjustments:
Shareholders’ preferred equity	(1,076		)		(1,076		)		(1,076		)		(1,076		)		(1,076		)
Accumulated other comprehensive income offset	435				370				350				391				401
Goodwill and other intangibles, net of related taxes	(2,200		)		(2,150		)		(2,161		)		(2,174		)		(2,126		)
Deferred tax assets that arise from tax loss and credit carryforwards	(26		)		(26		)		(27		)		(28		)		(21		)
Common equity tier 1 capital	7,947				7,817				7,740				7,550				7,486
Additional tier 1 capital
Shareholders’ preferred equity	1,076				1,076				1,076				1,076				1,076
Other	(7		)		(7		)		(7		)		(7		)		(15		)
Tier 1 capital	9,016				8,886				8,809				8,619				8,547
Long-term debt and other tier 2 qualifying instruments	824				885				887				899				932
Qualifying allowance for loan and lease losses	778				754				753				764				736
Tier 2 capital	1,602				1,639				1,640				1,663				1,668
Total risk-based capital	$	10,618			$	10,525			$	10,449			$	10,282			$	10,215
Risk-weighted assets (RWA)(1)	$	80,382			$	78,631			$	78,366			$	77,559			$	78,263
Common equity tier 1 risk-based capital ratio(1)	9.89		%		9.94		%		9.88		%		9.74		%		9.56		%
Other regulatory capital data:
Tier 1 leverage ratio(1)	8.99				8.96				8.98				8.76				8.70
Tier 1 risk-based capital ratio(1)	11.22				11.30				11.24				11.11				10.92
Total risk-based capital ratio(1)	13.21				13.39				13.33				13.26				13.05
Non-regulatory capital data:
Tangible common equity / RWA ratio(1)	9.30				9.41				9.37				9.18				8.92

(1)	December 31, 2017, figures are estimated.

16

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Huntington Bancshares Incorporated

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

(Unaudited)

Quarterly common stock summary

	December 31,				September 30,				June 30,				March 31,				December 31,
	2017				2017				2017				2017				2016
Common stock price, per share
High(1)	$	14.930			$	14.050			$	13.785			$	14.740			$	13.640
Low(1)	13.040				12.140				12.225				12.370				9.570
Close	14.560				13.960				13.520				13.390				13.220
Average closing price	13.470				13.152				12.949				13.663				11.627
Dividends, per share
Cash dividends declared per common share	$	0.11			$	0.08			$	0.08			$	0.08			$	0.08
Common shares outstanding (000)
Average - basic	1,077,397				1,086,038				1,088,934				1,086,374				1,085,253
Average - diluted	1,130,117				1,106,491				1,108,527				1,108,617				1,104,358
Ending	1,072,027				1,080,946				1,090,016				1,087,120				1,085,689
Tangible book value per common share(2)	$	6.97			$	6.85			$	6.74			$	6.55			$	6.43
Common share repurchases (000)
Number of shares repurchased	9,785				9,645				—				—				—

Non-regulatory capital

	December 31,				September 30,				June 30,				March 31,				December 31,
(dollar amounts in millions)	2017				2017				2017				2017				2016
Calculation of tangible equity / asset ratio:
Total shareholders’ equity	$	10,814			$	10,699			$	10,654			$	10,437			$	10,308
Less: goodwill	(1,993		)		(1,993		)		(1,993		)		(1,993		)		(1,993		)
Less: other intangible assets	(346		)		(360		)		(374		)		(388		)		(402		)
Add: related deferred tax liability(2)	73				126				131				136				141
Total tangible equity	8,548				8,472				8,418				8,192				8,054
Less: preferred equity	(1,071		)		(1,071		)		(1,071		)		(1,071		)		(1,071		)
Total tangible common equity	$	7,477			$	7,401			$	7,347			$	7,121			$	6,983
Total assets	$	104,185			$	101,988			$	101,407			$	100,046			$	99,714
Less: goodwill	(1,993		)		(1,993		)		(1,993		)		(1,993		)		(1,993		)
Less: other intangible assets	(346		)		(360		)		(374		)		(388		)		(402		)
Add: related deferred tax liability(2)	73				126				131				136				141
Total tangible assets	$	101,919			$	99,761			$	99,171			$	97,801			$	97,460
Tangible equity / tangible asset ratio	8.39		%		8.49		%		8.49		%		8.38		%		8.26		%
Tangible common equity / tangible asset ratio	7.34				7.42				7.41				7.28				7.16
Other data:
Number of employees (Average full-time equivalent)	15,375				15,508				15,877				16,331				15,993
Number of domestic full-service branches(3)	966				958				996				996				1,115
ATM Count	1,848				1,860				1,860				1,855				1,891

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

(2)	Other intangible assets are net of deferred tax liability, calculated at a 21% tax rate at December 31, 2017 and a 35% tax rate for periods prior to December 31, 2017.

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

17

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Huntington Bancshares Incorporated

Consolidated Annual Average Balance Sheets

(Unaudited)

	Annual Average Balances (2)
					Change from 2016											Change from 2015
(dollar amounts in millions)	2017				Amount				Percent			2016				Amount				Percent			2015
Assets
Interest-bearing deposits in banks	$	99			$	(1	)		(1	)%		$	100			$	10			11	%		$	90
Securities:
Trading account securities	102				35				52			67				21				46			46
Available-for-sale and other securities:
Taxable	12,487				3,209				35			9,278				1,279				16			7,999
Tax-exempt	3,181				465				17			2,716				641				31			2,075
Total available-for-sale and other securities	15,668				3,674				31			11,994				1,920				19			10,074
Held-to-maturity securities - taxable	8,108				2,415				42			5,693				2,180				62			3,513
Total securities	23,878				6,124				34			17,754				4,121				30			13,633
Loans held for sale	555				(499		)		(47	)		1,054				400				61			654
Loans and leases:(1)
Commercial:
Commercial and industrial	27,749				4,065				17			23,684				3,950				20			19,734
Commercial real estate:
Construction	1,198				110				10			1,088				71				7			1,017
Commercial	6,010				1,091				22			4,919				709				17			4,210
Commercial real estate	7,208				1,201				20			6,007				780				15			5,227
Total commercial	34,957				5,266				18			29,691				4,730				19			24,961
Consumer:
Automobile	11,519				979				9			10,540				1,780				20			8,760
Home equity	9,994				936				10			9,058				564				7			8,494
Residential mortgage	8,245				1,515				23			6,730				780				13			5,950
RV and marine finance	2,155				1,462				211			693				693				100			—
Other consumer	1,021				279				38			742				261				54			481
Total consumer	32,934				5,171				19			27,763				4,078				17			23,685
Total loans and leases	67,891				10,437				18			57,454				8,808				18			48,646
Allowance for loan and lease losses	(667		)		(53		)		(9	)		(614		)		(8		)		(1	)		(606		)
Net loans and leases	67,224				10,384				18			56,840				8,800				18			48,040
Total earning assets	92,423				16,061				21			76,362				13,339				21			63,023
Cash and due from banks	1,453				233				19			1,220				(3		)		—			1,223
Intangible assets	2,366				1,007				74			1,359				656				93			703
All other assets	5,446				719				15			4,727				510				12			4,217
Total assets	$	101,021			$	17,967			22	%		$	83,054			$	14,494			21	%		$	68,560
Liabilities and shareholders’ equity
Deposits:
Demand deposits - noninterest-bearing	$	21,699			$	2,654			14	%		$	19,045			$	2,703			17	%		$	16,342
Demand deposits - interest-bearing	17,580				6,595				60			10,985				4,412				67			6,573
Total demand deposits	39,279				9,249				31			30,030				7,115				31			22,915
Money market deposits	19,735				666				3			19,069				(314		)		(2	)		19,383
Savings and other domestic deposits	11,697				3,716				47			7,981				2,761				53			5,220
Core certificates of deposit	2,119				(181		)		(8	)		2,300				(303		)		(12	)		2,603
Total core deposits	72,830				13,450				23			59,380				9,259				18			50,121
Other domestic deposits of $250,000 or more	445				37				9			408				152				59			256
Brokered deposits and negotiable CDs	3,675				176				5			3,499				746				27			2,753
Deposits in foreign offices	—				(204		)		(100	)		204				(298		)		(59	)		502
Total deposits	76,950				13,459				21			63,491				9,859				18			53,632
Short-term borrowings	2,923				1,393				91			1,530				184				14			1,346
Long-term debt	8,862				814				10			8,048				2,463				44			5,585
Total interest-bearing liabilities	67,036				13,012				24			54,024				9,803				22			44,221
All other liabilities	1,675				81				5			1,594				133				9			1,461
Shareholders’ equity	10,611				2,220				26			8,391				1,855				28			6,536
Total liabilities and shareholders’ equity	$	101,021			$	17,967			22	%		$	83,054			$	14,494			21	%		$	68,560

(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 Annual Net Interest Margin - Interest Income / Expense(1)(2)

(Unaudited)

	Annual Interest Income / Expense
(dollar amounts in millions)	2017				2016				2015
Assets
Interest-bearing deposits in banks	$	2			$	—			$	—
Securities:
Trading account securities	—				—				—
Available-for-sale and other securities:
Taxable	303				222				202
Tax-exempt	118				91				65
Total available-for-sale and other securities	421				313				267
Held-to-maturity securities - taxable	193				138				87
Total securities	614				451				354
Loans held for sale	21				35				24
Loans and leases:
Commercial:
Commercial and industrial	1,142				879				700
Commercial real estate:
Construction	52				40				37
Commercial	240				176				147
Commercial real estate	292				216				184
Total commercial	1,434				1,095				884
Consumer:
Automobile	412				351				282
Home equity	463				381				340
Residential mortgage	301				244				221
RV and marine finance	118				39				—
Other consumer	118				79				42
Total consumer	1,412				1,094				885
Total loans and leases	2,846				2,189				1,769
Total earning assets	$	3,483			$	2,675			$	2,147
Liabilities
Deposits:
Demand deposits - noninterest-bearing	$	—			$	—			$	—
Demand deposits - interest-bearing	38				11				4
Total demand deposits	38				11				4
Money market deposits	66				46				43
Savings and other domestic deposits	24				15				7
Core certificates of deposit	13				13				21
Total core deposits	141				85				75
Other domestic deposits of $250,000 or more	2				2				1
Brokered deposits and negotiable CDs	37				15				5
Deposits in foreign offices	—				—				1
Total deposits	180				102				82
Short-term borrowings	25				5				2
Long-term debt	226				156				80
Total interest-bearing liabilities	431				263				164
Net interest income	$	3,052			$	2,412			$	1,983

(1)	Fully-taxable equivalent (FTE) income and expense calculated assuming a 35% tax rate. See page 24 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 Annual Net Interest Margin - Yield

(Unaudited)

	Annual Average Rates(2)
Fully-taxable equivalent basis(1)	2017			2016			2015
Assets
Interest-bearing deposits in banks	1.56	%		0.44	%		0.10	%
Securities:
Trading account securities	0.18			0.42			1.06
Available-for-sale and other securities:
Taxable	2.43			2.39			2.53
Tax-exempt	3.71			3.35			3.11
Total available-for-sale and other securities	2.69			2.61			2.65
Held-to-maturity securities - taxable	2.38			2.43			2.47
Total securities	2.57			2.54			2.60
Loans held for sale	3.75			3.27			3.64
Loans and leases:(3)
Commercial:
Commercial and industrial	4.12			3.71			3.55
Commercial real estate:
Construction	4.36			3.72			3.63
Commercial	4.00			3.57			3.48
Commercial real estate	4.06			3.60			3.51
Total commercial	4.11			3.69			3.54
Consumer:
Automobile	3.58			3.32			3.22
Home equity	4.63			4.21			4.01
Residential mortgage	3.65			3.63			3.71
RV and marine finance	5.46			5.67			—
Other consumer	11.53			10.62			8.71
Total consumer	4.28			3.94			3.74
Total loans and leases	4.19			3.81			3.64
Total earning assets	3.77			3.50			3.41
Liabilities
Deposits:
Demand deposits - noninterest-bearing	—			—			—
Demand deposits - interest-bearing	0.21			0.10			0.07
Total demand deposit	0.10			0.04			0.02
Money market deposits	0.33			0.24			0.22
Savings and other domestic deposits	0.21			0.19			0.14
Core certificates of deposit	0.60			0.56			0.79
Total core deposits	0.27			0.21			0.22
Other domestic deposits of $250,000 or more	0.52			0.40			0.42
Brokered deposits and negotiable CDs	1.00			0.43			0.17
Deposits in foreign offices	—			0.13			0.13
Total deposits	0.33			0.23			0.22
Short-term borrowings	0.86			0.34			0.12
Long-term debt	2.56			1.93			1.43
Total interest bearing liabilities	0.64			0.48			0.37
Net interest rate spread	3.13			3.02			3.04
Impact of noninterest-bearing funds on margin	0.17			0.14			0.11
Net interest margin	3.30	%		3.16	%		3.15	%

Commercial Loan Derivative Impact

(Unaudited)

	Annual Average Rates
Fully-taxable equivalent basis(1)	2017			2016			2015
Commercial loans(2)(3)	4.06	%		3.63	%		3.34	%
Impact of commercial loan derivatives	0.05			0.06			0.20
Total commercial - as reported	4.11	%		3.69	%		3.54	%
Average 30 day LIBOR	1.11	%		0.49	%		0.20	%

(1)	Fully-taxable equivalent (FTE) yields are calculated assuming a 35% tax rate. See page 24 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 nonacrrual loans.

20

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Huntington Bancshares Incorporated

Selected Annual Income Statement Data(1)

(Unaudited)

	Year Ended December 31,
					Change											Change
(dollar amounts in millions, except per share amounts)	2017				Amount				Percent			2016				Amount				Percent			2015
Interest income	$	3,433			$	801			30	%		$	2,632			$	517			24	%		$	2,115
Interest expense	431				168				64			263				99				60			164
Net interest income	3,002				633				27			2,369				418				21			1,951
Provision for credit losses	201				10				5			191				91				91			100
Net interest income after provision for credit losses	2,801				623				29			2,178				327				18			1,851
Service charges on deposit accounts	353				29				9			324				44				16			280
Cards and payment processing income	206				37				22			169				26				18			143
Trust and investment management services	156				33				27			123				7				6			116
Mortgage banking income	131				3				2			128				16				14			112
Insurance income	81				(3		)		(4	)		84				3				4			81
Capital markets fees	76				16				27			60				6				11			54
Bank owned life insurance income	67				9				16			58				6				12			52
Gain on sale of loans	56				9				19			47				14				42			33
Securities gains (losses)	(4		)		(4		)		(100	)		—				(1		)		(100	)		1
Other income	185				28				18			157				(10		)		(6	)		167
Total noninterest income	1,307				157				14			1,150				111				11			1,039
Personnel costs	1,524				175				13			1,349				227				20			1,122
Outside data processing and other services	313				8				3			305				74				32			231
Net occupancy	212				59				39			153				31				25			122
Equipment	171				6				4			165				40				32			125
Deposit and other insurance expense	78				24				44			54				9				20			45
Professional services	69				(36		)		(34	)		105				55				110			50
Marketing	60				(3		)		(5	)		63				11				21			52
Amortization of intangibles	56				26				87			30				2				7			28
Other expense	231				47				26			184				(17		)		(8	)		201
Total noninterest expense	2,714				306				13			2,408				432				22			1,976
Income before income taxes	1,394				474				52			920				6				1			914
Provision for income taxes	208				—				—			208				(13		)		(6	)		221
Net income	1,186				474				67			712				19				3			693
Dividends on preferred shares	76				11				17			65				33				103			32
Net income applicable to common shares	$	1,110			$	463			72	%		$	647			$	(14	)		(2	)%		$	661
Average common shares - basic (000)	1,084,686				180,248				20	%		904,438				101,026				13	%		803,412
Average common shares - diluted	1,136,186				217,396				24			918,790				101,661				12			817,129
Per common share
Net income - basic	$	1.02			$	0.30			42			$	0.72			$	(0.10	)		(12	)		$	0.82
Net income - diluted	1.00				0.30				43			0.70				(0.11		)		(14	)		0.81
Cash dividends declared	0.35				0.06				21			0.29				0.04				16			0.25
Revenue - fully taxable equivalent (FTE)
Net interest income	$	3,002			$	633			27			$	2,369			$	418			21			$	1,951
FTE adjustment	50				7				16			43				11				34			32
Net interest income (2)	3,052				640				27			2,412				429				22			1,983
Noninterest income	1,307				157				14			1,150				111				11			1,039
Total revenue (2)	$	4,359			$	797			22	%		$	3,562			$	540			18	%		$	3,022

(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

Annual Mortgage Banking Income

(Unaudited)

	Year Ended December 31,
(dollar amounts in millions)	2017				2016				2015				2014				2013
Net origination and secondary marketing income	$	95			$	100			$	91			$	57			$	85
Net mortgage servicing income
Loan servicing income	52				46				43				41				44
Amortization of capitalized servicing	(29		)		(28		)		(27		)		(24		)		(29		)
Operating income	23				18				16				17				15
MSR valuation adjustment (1)	1				1				(4		)		(11		)		36
Gains (losses) due to MSR hedging	—				(1		)		(2		)		7				(25		)
Net MSR risk management	1				—				(6		)		(4		)		11
Total net mortgage servicing income	$	24			$	18			$	10			$	13			$	26
All other	12				10				11				15				16
Mortgage banking income	$	131			$	128			$	112			$	85			$	127
Mortgage origination volume	$	6,634			$	5,822			$	4,705			$	3,558			$	4,418
Mortgage origination volume for sale	3,912				3,822				3,237				2,366				2,793
Third party mortgage loans serviced (2)	19,989				18,852				16,168				15,637				15,239
Mortgage servicing rights (2)	202				186				161				156				162
MSR % of investor servicing portfolio	1.01		%		0.99		%		0.99		%		1.00		%		1.07		%

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

(2)	At period end.

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Huntington Bancshares Incorporated

Annual Credit Reserves Analysis

(Unaudited)

	Year Ended December 31,
(dollar amounts in millions)	2017				2016				2015				2014				2013
Allowance for loan and lease losses, beginning of period	$	638			$	598			$	605			$	648			$	769
Loan and lease losses	(252		)		(227		)		(218		)		(247		)		(307		)
Recoveries of loans previously charged off	93				118				130				122				118
Net loan and lease losses	(159		)		(109		)		(88		)		(125		)		(189		)
Provision for loan and lease losses	212				169				89				83				68
Allowance of assets sold or transferred to loans held for sale	—				(20		)		(8		)		(1		)		—
Allowance for loan and lease losses, end of period	691				638				598				605				648
Allowance for unfunded loan commitments and letters of credit, beginning of period	98				72				61				63				41
Provision for (reduction in) unfunded loan commitments and letters of credit losses	(11		)		22				11				(2		)		22
Fair value of acquired AULC	—				4				—				—				—
Allowance for unfunded loan commitments and letters of credit, end of period	87				98				72				61				63
Total allowance for credit losses	$	778			$	736			$	670			$	666			$	711
Allowance for loan and lease losses (ALLL) as % of:
Total loans and leases	0.99		%		0.95		%		1.19		%		1.27		%		1.50		%
Nonaccrual loans and leases (NALs)	198				151				161				202				201
Nonperforming assets (NPAs)	178				133				150				179				184
Total allowance for credit losses (ACL) as % of:
Total loans and leases	1.11		%		1.10		%		1.33		%		1.40		%		1.65		%
Nonaccrual loans and leases (NALs)	223				174				180				222				221
Nonperforming assets (NPAs)	200				153				168				197				202

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Huntington Bancshares Incorporated

Annual Net Charge-Off Analysis

(Unaudited)

	Year Ended December 31,
(dollar amounts in millions)	2017				2016				2015				2014				2013
Total Loans
Commercial:
Commercial and industrial	$	42			$	45			$	28			$	32			$	16
Commercial real estate:
Construction	(5		)		(2		)		(1		)		2				7
Commercial	(6		)		(24		)		(15		)		(11		)		19
Commercial real estate	(11		)		(26		)		(16		)		(9		)		26
Total commercial	31				19				12				23				42
Consumer:
Automobile	42				32				20				17				11
Home equity	5				9				20				37				82
Residential mortgage	6				6				10				20				27
RV and marine finance	10				2				—				—				—
Other consumer	65				41				26				28				27
Total consumer	128				90				76				102				147
Total net charge-offs	$	159			$	109			$	88			$	125			$	189
Net charge-offs - annualized percentages:
Commercial:
Commercial and industrial	0.15		%		0.19		%		0.14		%		0.18		%		0.10		%
Commercial real estate:
Construction	(0.36		)		(0.19		)		(0.08		)		0.16				1.10
Commercial	(0.10		)		(0.49		)		(0.37		)		(0.25		)		0.42
Commercial real estate	(0.15		)		(0.44		)		(0.32		)		(0.19		)		0.49
Total commercial	0.09				0.06				0.05				0.10				0.19
Consumer:
Automobile	0.36				0.30				0.23				0.23				0.19
Home equity	0.05				0.10				0.23				0.44				0.99
Residential mortgage	0.08				0.09				0.17				0.35				0.52
RV and marine finance	0.48				0.33				—				—				—
Other consumer	6.36				5.53				5.44				6.99				6.30
Total consumer	0.39				0.32				0.32				0.46				0.75
Net charge-offs as a % of average loans	0.23		%		0.19		%		0.18		%		0.27		%		0.45		%

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Huntington Bancshares Incorporated

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

(Unaudited)

	December 31,
(dollar amounts in millions)	2017				2016				2015				2014				2013
Nonaccrual loans and leases (NALs):
Commercial and industrial	$	161			$	234			$	175			$	72			$	57
Commercial real estate	29				20				29				48				73
Automobile	6				6				7				5				6
Residential mortgage	84				91				95				96				120
RV and marine	1
Home equity	68				72				66				79				66
Other consumer	—				—				—				—				—
Total nonaccrual loans and leases	349				423				372				300				322
Other real estate, net:
Residential	24				31				24				29				23
Commercial	9				20				3				6				4
Total other real estate, net	33				51				27				35				27
Other NPAs (1)	7				7				—				3				3
Total nonperforming assets	$	389			$	481			$	399			$	338			$	352
Nonaccrual loans and leases as a % of total loans and leases	0.50		%		0.63		%		0.74		%		0.63		%		0.75		%
NPA ratio (2)	0.55				0.72				0.79				0.71				0.82

	December 31,
(dollar amounts in millions)	2017				2016				2015				2014				2013
Nonperforming assets, beginning of period	$	481			$	399			$	338			$	352			$	446
New nonperforming assets	415				633				569				431				466
Returns to accruing status	(118		)		(127		)		(101		)		(77		)		(82		)
Loan and lease losses	(95		)		(135		)		(150		)		(175		)		(213		)
Payments	(252		)		(211		)		(212		)		(159		)		(231		)
Sales and transfers to held-for-sale	(42		)		(79		)		(45		)		(34		)		(34		)
Other	—				—				—				—				—
Nonperforming assets, end of period	$	389			$	481			$	399			$	338			$	352

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

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

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Huntington Bancshares Incorporated

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

(Unaudited)

	December 31,
(dollar amounts in millions)	2017				2016				2015				2014				2013
Accruing loans and leases past due 90 days or more:
Commercial and industrial	$	9			$	18			$	9			$	5			$	15
Commercial real estate	3				17				10				19				39
Automobile	7				10				7				5				5
Residential mortgage (excluding loans guaranteed by the U.S. Government)	21				15				14				33				2
RV and marine finance	1				1				—				—				—
Home equity	18				12				9				12				14
Other consumer	5				4				1				1				1
Total, excl. loans guaranteed by the U.S. Government	64				77				50				75				76
Add: loans guaranteed by U.S. Government	51				52				56				55				88
Total accruing loans and leases past due 90 days or more, including loans guaranteed by the U.S. Government	$	115			$	129			$	106			$	130			$	164
Ratios:
Excluding loans guaranteed by the U.S. Government, as a percent of total loans and leases	0.09		%		0.12		%		0.10		%		0.16		%		0.18		%
Guaranteed by U.S. Government, as a percent of total loans and leases	0.07				0.08				0.11				0.12				0.20
Including loans guaranteed by the U.S. Government, as a percent of total loans and leases	0.16				0.19				0.21				0.27				0.38
Accruing troubled debt restructured loans:
Commercial and industrial	$	300			$	210			$	236			$	117			$	84
Commercial real estate	78				77				115				177				205
Automobile	30				26				25				26				31
Home equity	265				270				199				252				188
Residential mortgage	224				243				265				265				305
RV and marine finance	1				—				—				—				—
Other consumer	8				4				4				4				1
Total accruing troubled debt restructured loans	$	906			$	830			$	844			$	841			$	814
Nonaccruing troubled debt restructured loans:
Commercial and industrial	$	82			$	107			$	57			$	21			$	7
Commercial real estate	15				5				17				25				24
Automobile	4				5				6				5				6
Home equity	28				28				21				27				21
Residential mortgage	55				59				72				69				83
RV and marine finance	—				—				—				—				—
Other consumer	—				—				—				—				—
Total nonaccruing troubled debt restructured loans	$	184			$	204			$	173			$	147			$	141

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