PROSPECTUS SUPPLEMENT SUMMARY
This summary highlights selected information contained or incorporated by reference in this prospectus supplement and the accompanying
prospectus and does not contain all the information that you need to consider in making your investment decision. You should carefully read this entire prospectus supplement, the accompanying prospectus, any related free writing prospectus and the
documents incorporated herein and therein by reference, before deciding whether to invest in the notes. You should pay special attention to the Risk Factors section of this prospectus supplement and contained in our Annual Report on Form
10-K for the year ended December 31, 2021 and in our Quarterly Report on Form 10-Q for the quarter ended March 31, 2022 to determine whether an investment in
the notes is appropriate for you.
Huntington Bancshares Incorporated
We are a multi-state diversified regional bank holding company organized under Maryland law in 1966 and headquartered in Columbus, Ohio.
Through the Bank, we have over 150 years of servicing the financial needs of our customers. Through our subsidiaries, we provide full-service commercial and consumer banking services, mortgage banking services, automobile financing, recreational
vehicle and marine financing, equipment financing, inventory finance, investment management, trust services, brokerage services, insurance products and services, and other financial products and services. At March 31, 2022, our 1,030
full-service branches and private client group offices are primarily located in Ohio, Colorado, Illinois, Indiana, Kentucky, Michigan, Minnesota, Pennsylvania, West Virginia and Wisconsin. Select financial services and other activities are also
conducted in various other states. International banking services are available through the headquarters office in Columbus, Ohio. Our foreign banking activities, in total or with any individual country, are not significant.
On June 9, 2021, Huntington closed the acquisition of TCF Financial Corporation, or TCF, in an
all-stock transaction valued at $7.2 billion. TCF was a financial holding company headquartered in Detroit, Michigan with operations across the Midwest. Historical periods prior to June 9, 2021
reflect results of legacy Huntington operations. Subsequent to closing, results reflect all post-acquisition activity.
On March 1,
2022, the Huntington announced the signing of a definitive agreement to acquire Capstone Partners, a top tier middle market investment bank and advisory firm. The transaction is expected to close late in the second quarter of 2022, subject to
receipt of required regulatory approval and satisfaction of customary closing conditions.
As of March 31, 2022, we had, on a
consolidated basis, total assets of approximately $177 billion, total deposits of approximately $147 billion and total shareholders equity of approximately $19 billion.
Our principal executive offices are located at 41 South High Street, Columbus, Ohio 43287, and our telephone number is (614) 480-2265.
Concurrent Bank Note Offering
Concurrently with this offering, the Bank intends to issue (1) $500,000,000 principal amount of 4.008% Fixed-to-Floating Rate Senior Notes due 2025; (2) $800,000,000 principal amount of 4.552% Fixed-to-Floating Rate Senior Notes
due 2028; and (3) $300,000,000 principal amount of Floating Rate Senior Notes due 2025 (the concurrent offering), the proceeds of which may be used for general corporate purposes. The offer and sale of the notes hereby and the concurrent
offering are not conditioned on the other. This prospectus supplement does not constitute, and should not be considered as, an offer for any securities in the concurrent offering.