The document is an annual report filed by The Huntington 401(k) Plan in accordance with Section 15(d) of the Securities Exchange Act of 1934 for the fiscal year ended December 31, 2025. The Plan, which is subject to the Employee Retirement Income Security Act of 1974 (ERISA), has submitted financial statements and a supplemental schedule prepared in accordance with ERISA's financial reporting requirements. These documents are included as Exhibit 99.1 and are incorporated herein by reference. The financial statements and supplemental schedule for the fiscal year ended December 31, 2025, have been audited by Ary Roepcke Mulchaey, P.C., an independent registered public accounting firm, and their audit report is included in the document. The report is signed on behalf of Huntington Bancshares Incorporated by Zachary J. Wasserman, Senior Executive Vice President and Chief Financial Officer.
