8-K

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 OR 15(d)

of The Securities Exchange Act of 1934

Date of Report (Date of earliest event reported) July 18, 2013

HUNTINGTON BANCSHARES INCORPORATED

(Exact name of registrant as specified in its charter)

Maryland	1-34073	31-0724920
(State or other jurisdiction of incorporation)	(Commission File Number)	(IRS Employer Identification No.)

Huntington Center 41 South High Street Columbus, Ohio	43287
(Address of principal executive offices)	(Zip Code)

Registrant’s telephone number, including area code (614) 480-8300

Not Applicable

(Former name or former address, if changed since last report.)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):

¨ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

¨ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

¨ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

¨ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Item 2.02. Results of Operations and Financial Condition.

On July 18, 2013, Huntington Bancshares Incorporated (“Huntington”) issued a news release announcing its earnings for the quarter ended June 30, 2013. Also on July 18, 2013, Huntington made a Quarterly Financial Supplement available on its web site, www.huntington-ir.com.

Huntington’s senior management will host an earnings conference call July 18, 2013, at 10:00 a.m. (Eastern Time). The call may be accessed via a live Internet webcast at www.huntington-ir.com or through a dial-in telephone number at 877-684-3807, conference ID 96993401. Slides will be available at www.huntington-ir.com just prior to the call. A replay of the web cast will be archived in the Investor Relations section of Huntington’s web site at www.huntington.com. A telephone replay will be available two hours after the completion of the call through July 31, 2013, at (855) 859-2056 or (404) 537-3406; conference call ID 96993401.

The information contained or incorporated by reference in this Current Report on Form 8-K contains certain forward-looking statements, including certain plans, expectations, goals, projections, and statements, which are subject to numerous assumptions, risks, and uncertainties. Forward-looking statements may be identified by words such as expect, anticipate, believe, intend, estimate, plan, target, goal, or similar expressions, or future or conditional verbs such as will, may, might, should, would, could, or similar variations.

While there is no assurance that any list of risks and uncertainties or risk factors is complete, below are certain factors which could cause actual results to differ materially from those contained or implied in the forward-looking statements: (1) worsening of credit quality performance due to a number of factors such as the underlying value of collateral that could prove less valuable than otherwise assumed and assumed cash flows may be worse than expected; (2) changes in economic conditions, including impacts from the implementation of the Budget Control Act of 2011, the American Taxpayer Relief Act of 2012, the Consolidated and Further Continuing Appropriations Act of 2013, as well as the continuing economic uncertainty in the US, the European Union, and other areas; (3) movements in interest rates; (4) competitive pressures on product pricing and services; (5) success, impact, and timing of our business strategies, including market acceptance of any new products or services implementing our “Fair Play” banking philosophy; (6) changes in accounting policies and principles and the accuracy of our assumptions and estimates used to prepare our financial statements; (7) extended disruption of vital infrastructure; (8) the final outcome of significant litigation; (9) the nature, extent, timing, and results of governmental actions, examinations, reviews, reforms, regulations, and interpretations, including those related to the Dodd-Frank Wall Street Reform and Consumer Protection Act and the Basel III regulatory capital reforms, as well as those involving the OCC, Federal Reserve, and CFPB; and (10) the outcome of judicial and regulatory decisions regarding practices in the residential mortgage industry, including among other things the processes followed for foreclosing residential mortgages. Additional factors that could cause results to differ materially from those described above can be found in Huntington’s 2012 Annual Report on Form 10-K, and documents subsequently filed by Huntington with the Securities and Exchange Commission. All forward-looking statements included in this document are based on information available at the time of the release. Huntington assumes no obligation to update any forward-looking statement.

The information contained or incorporated by reference in Item 2.02 of this Form 8-K shall be treated as “furnished” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended.

Item 9.01. Financial Statements and Exhibits.

The exhibits referenced below shall be treated as “furnished” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended.

(d) Exhibits.

Exhibit 99.1 – News release of Huntington Bancshares Incorporated, dated July 18, 2013.

Exhibit 99.2 – Quarterly Financial Supplement, June 2013.

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

	HUNTINGTON BANCSHARES INCORPORATED
Date: July 18, 2013	By:	/s/ David S. Anderson
		David S. Anderson
		Interim Chief Financial Officer

EXHIBIT INDEX

Exhibit No.	Description
Exhibit 99.1	News release of Huntington Bancshares Incorporated, July 18, 2013.
Exhibit 99.2	Quarterly Financial Supplement, June 2013.

EX-99.1

Exhibit 99.1

FOR IMMEDIATE RELEASE

Jul. 18, 2013

Analysts: Todd Beekman (todd.beekman@huntington.com), 614.480.3878

        Mark Muth (mark.muth@huntington.com), 614.480.4720

Media: Maureen Brown (maureen.brown@huntington.com), 614.480.5512

HUNTINGTON BANCSHARES INCORPORATED

REPORTS NET INCOME OF $150.7 MILLION, OR $0.17 PER COMMON SHARE, FOR

THE 2013 SECOND QUARTER, RELATIVELY UNCHANGED FROM THE PRIOR AND

YEAR-AGO QUARTERS

Specific highlights compared with 2012 Second Quarter:

• $0.39, or 7%, increase in tangible book value per common share to $5.88

• 1.08% return on average assets, down from 1.10%

• $680.2 million of fully-taxable equivalent revenue, a 1% decrease

• $3.2 million, or 1%, decrease in fully-taxable equivalent net interest income, reflecting a 3.38% fully-taxable equivalent net interest margin, down 4 basis points

• $5.2 million, or 2%, decrease in noninterest income, reflecting a $4.7 million, or 12%, decrease in mortgage banking income

• $1.6 million, or less than 1%, increase in noninterest expense

• NCOs declined 59% and were an annualized 0.34% of total loans and leases

• 23% decline in nonaccrual loans to 0.87% of total loans and leases, down from 1.19%

• Estimated Basel III negative impact to Tier 1 common risk-based capital of 60 basis points

Specific highlights compared with 2013 First Quarter:

• $2.1 million, or less than 1%, decrease in fully-taxable equivalent revenue, reflecting:

• 4% annualized growth in average total loans and leases partially offset by a 4 basis point reduction to net interest margin

• $3.6 million decrease in noninterest income as the prior quarter included a $7.6 million gain on the sale of Low Income Housing Tax Credit (LIHTC) investments and a $11.6 million, or 26%, decrease in mortgage banking income

• $3.1 million, 1%, increase in noninterest expense

• 10.0 million shares repurchased at an average price of $7.50 per share

COLUMBUS, Ohio – Huntington Bancshares Incorporated (NASDAQ: HBAN; www.huntington.com) reported 2013 second quarter net income of $150.7 million, a decrease of $2.1 million, or 1%, from the 2012 second quarter and a decrease of $1.1 million, or 1%, from the 2013 first quarter. Earnings per common share were $0.17, unchanged from the prior and year ago quarters.

The board of directors declared a quarterly cash dividend on its common stock of $0.05 per common share. The dividend is payable October 1, 2013, to shareholders of record on September 17, 2013.

Strategies Continue to Drive Business Performance

“Huntington had a good quarter that demonstrates progress in our strategic priorities,” said Stephen D. Steinour, chairman, president and CEO of Huntington Bank. “I am extremely pleased that we have returned to pre-recession, normal credit levels ahead of our prior expectations. This reflects our disciplined and prudent lending approach. We also continue to experience double-digit household growth. Expenses were managed slightly below our expectations. Revenue was relatively unchanged as strategic growth overcame multiple environmental headwinds and the prior quarters’ Low Income Housing Tax Credit related gains. Consumer lending and deposits have increased over the same quarter last year as consumer confidence in the recovery rises. Our commercial pipeline continues to be strong as business owners are seeing more signs of economic growth. Employment across our Midwest markets continues to improve with Ohio creating the largest month-to-month employment increase in the nation in May and Michigan coming in third.”

“We remain on track to deliver sustainable levels of long-term profitability,” added Steinour. “Our estimate for the negative impact from Basel III is approximately 90 basis points better than last year’s estimate. Our existing strategic investments continue to mature. We are focused on expense management and a more robust continuous improvement effort across the enterprise.”

Table 1 – Earnings Performance Summary

	2013						2012
	Second			First			Fourth			Third			Second
($ in millions, except per share data)	Quarter			Quarter			Quarter			Quarter			Quarter
Net Income	$	150.7		$	151.8		$	167.3		$	167.8		$	152.7
Diluted earnings per common share		0.17			0.17			0.19			0.19			0.17
Return on average assets		1.08	%		1.10	%		1.19	%		1.19	%		1.10	%
Return on average common equity		10.4			10.7			11.6			11.9			11.1
Return on average tangible common equity		12.0			12.4			13.5			13.9			13.1
Net interest margin		3.38			3.42			3.45			3.38			3.42
Efficiency ratio		64.0			63.3			62.3			64.5			62.8
Tangible book value per common share	$	5.88		$	5.91		$	5.78		$	5.71		$	5.49
Cash dividends declared per common share		0.05			0.04			0.04			0.04			0.04
Average diluted shares outstanding (000’s)		843,840			848,708			853,306			863,588			867,551
Average earning assets	$	51,156		$	50,960		$	50,682		$	51,330		$	51,050
Average loans		41,280			40,864			40,397			40,120			41,179
Average core deposits		43,768			43,616			44,310			43,764			42,781
Tangible common equity / tangible assets ratio		8.78	%		8.92	%		8.76	%		8.74	%		8.41	%
Tier 1 common risk-based capital ratio		10.71			10.62			10.48			10.28			10.08
NCOs as a % of average loans and leases		0.34	%		0.51	%		0.69	%		1.05	%		0.82	%
NAL ratio		0.87			0.92			1.00			1.11			1.19
ACL as a % of total loans and leases		1.86			1.91			1.99			2.09			2.28

Significant Items Influencing Financial Performance Comparisons

From time-to-time, revenue, expenses, or taxes are impacted by items we judge to be outside of ordinary banking activities and/or by items that, while they may be associated with ordinary banking activities, are so unusually large that we believe their outsized impact at that time to be infrequent or short term in nature. We believe the disclosure of such “Significant Items,” when appropriate, aids analysts/investors in better understanding corporate performance trends. (See Significant Items under the Basis of Presentation for a full discussion.)

2

Table 2 highlights the Significant Items impacting reported results for the prior five quarters. There were no significant items in the current quarter.

Table 2 – Significant Items Influencing Earnings Performance Comparisons

Three Months Ended	Impact
(in millions, except per share)	Amount (1)		EPS (2)
June 30, 2013 – net income	$	150.7	$	0.17
March 31, 2013 – net income	$	151.8	$	0.17
December 31, 2012 – net income	$	167.3	$	0.19
September 30, 2012 – net income	$	167.8	$	0.19
• State deferred tax valuation allowance benefit		19.5		0.02
June 30, 2012 – net income	$	152.7	$	0.17

⁽¹⁾  Favorable (unfavorable) impact on net income; after-tax unless otherwise noted

⁽²⁾  EPS reflected on a fully diluted basis

Net Interest Income, Net Interest Margin, and Average Balance Sheet

Table 3 – Net Interest Income and Net Interest Margin Performance Summary

	2013						2012
	Second			First			Fourth			Third			Second			Change (%)
($ in millions)	Quarter			Quarter			Quarter			Quarter			Quarter			LQ			YOY
Net interest income	$	424.9		$	424.2		$	434.1		$	430.3		$	429.0			0	%		(1	)%
FTE adjustment		6.6			5.9			5.5			5.3			5.7			11			15
Net interest income—FTE		431.5			430.1			439.5			435.6			434.7			0			(1	)
Noninterest income		248.7			252.2			297.7			261.1			253.8			(1	)		(2	)
Total revenue—FTE	$	680.2		$	682.3		$	737.2		$	696.6		$	688.5			(0	)%		(1	)%
																Change bps
Yield / Cost																LQ			YOY
Total earning assets		3.68	%		3.75	%		3.80	%		3.79	%		3.89	%		(7	)		(21	)
Total loans and leases		3.95			4.03			4.13			4.12			4.18			(9	)		(24	)
Total securities		2.38			2.39			2.38			2.41			2.45			(0	)		(6	)
Total interest-bearing liabilities		0.42			0.45			0.50			0.58			0.63			(4	)		(22	)
Total interest-bearing deposits		0.36			0.38			0.42			0.48			0.51			(3	)		(16	)
Net interest rate spread		3.26			3.30			3.30			3.21			3.26			(4	)		0
Impact of noninterest-bearing funds on margin		0.12			0.12			0.15			0.17			0.16			0			(4	)
Net interest margin		3.38	%		3.42	%		3.45	%		3.38	%		3.42	%		(4	)		(4	)

See Page 9 of Quarterly Financial Supplement for additional rate detail.

Fully-taxable equivalent net interest income decreased $3.2 million, or 1%, from the 2012 second quarter. This reflected the impact of a 4 basis point decrease in the fully-taxable equivalent net interest margin (NIM) to 3.38% as average earning assets were essentially unchanged. The primary items impacting the decrease in the NIM were:

• 21 basis point negative impact from the mix and yield of earning assets primarily reflecting a decrease in consumer loan yields.

Partially offset by:

• 16 basis point positive impact from the mix and yield of deposits reflecting the strategic focus on changing the funding sources to no-cost demand deposits and low cost money markets deposits.

3

Compared to the 2013 first quarter, fully-taxable equivalent net interest income increased $1.4 million, or less than 1%, reflecting a $0.2 billion increase in average earnings assets as well as an additional day in the quarter, partially offset by a 4 basis point decrease in NIM. The primary items affecting the NIM were a 7 basis point negative impact from the mix and yield of earning assets, which was partially offset by a 3 basis point positive impact from the mix and yield of deposits.

Table 4 – Average Earning Assets – C&I and Automobile Continue To Drive Growth

	2013				2012
	Second		First		Fourth		Third		Second		Change (%)
(in billions)	Quarter		Quarter		Quarter		Quarter		Quarter		LQ			YOY
Average Loans and Leases
Commercial and industrial	$	17.0	$	17.0	$	16.5	$	16.3	$	16.1		0	%		6	%
Commercial real estate		5.0		5.3		5.5		5.7		6.1		(5	)		(17	)
Total commercial		22.0		22.2		22.0		22.1		22.2		(1	)		(1	)
Automobile		5.3		4.8		4.5		4.1		5.0		9			6
Home equity		8.3		8.4		8.3		8.4		8.3		(2	)		(1	)
Residential mortgage		5.2		5.0		5.2		5.2		5.3		5			(1	)
Other consumer		0.5		0.4		0.4		0.4		0.5		12			(0	)
Total consumer		19.2		18.6		18.4		18.1		19.0		3			1
Total loans and leases		41.3		40.9		40.4		40.1		41.2		1			0
Total securities		9.1		9.3		9.4		9.3		9.3		(2	)		(2	)
Held-for-sale and other earning assets		0.8		0.8		0.9		1.9		0.5		(2	)		43
Total earning assets	$	51.2	$	51.0	$	50.7	$	51.3	$	51.1		0	%		0	%

See Page 7 of Quarterly Financial Supplement for additional detail.

Average earning assets increased $0.1 billion, or less than 1%, from the year-ago quarter, driven by:

• $0.9 billion, or 6%, growth in average Commercial and Industrial (C&I) loans. This reflected the continued growth across most business lines, with particularly strong growth in the healthcare vertical, dealer floorplan, and equipment finance.

• $0.3 billion, or 6%, increase in average Automobile loans. In addition, $0.3 billion of automobile loans were transferred from loans held for sale to automobile loans and leases on June 30, as there are no securitizations expected for the remainder of 2013. This transfer had a minimal impact on average balances.

Partially offset by:

• $1.1 billion, or 17%, decrease in average Commercial Real Estate (CRE) loans. This reflected continued runoff of the noncore portfolio and managed reduction of the core portfolios as acceptable returns for new core originations were balanced against internal concentration limits and increased competition for projects sponsored by high quality developers.

The 2013 second quarter exhibited similar trends in automotive and CRE when compared with the 2013 first quarter. Specifically, the $0.2 billion, or less than 1%, increase in average earning assets reflected a $0.5 billion, or 37% annualized, increase in automobile loans partially offset by a $0.3 billion, or 21% annualized, decrease in CRE.

4

Table 5 – Average Liabilities – Core Deposit Growth Offsets Reduction in Borrowings

	2013				2012
	Second		First		Fourth		Third		Second		Change (%)
(in billions)	Quarter		Quarter		Quarter		Quarter		Quarter		LQ			YOY
Average Deposits
Demand deposits—noninterest bearing	$	12.9	$	12.2	$	13.1	$	12.3	$	12.1		6	%		7	%
Demand deposits—interest bearing		5.9		6.0		5.8		5.8		5.9		(1	)		(0	)
Total demand deposits		18.8		18.1		19.0		18.1		18.0		4			4
Money market deposits		15.1		15.0		14.7		14.5		13.2		0			14
Savings and other domestic deposits		5.1		5.1		5.0		5.0		5.0		1			3
Core certificates of deposit		4.8		5.3		5.6		6.1		6.6		(11	)		(28	)
Total core deposits		43.8		43.6		44.3		43.8		42.8		0			2
Other domestic deposits of $250,000 or more		0.3		0.4		0.4		0.3		0.3		(10	)		9
Brokered deposits and negotiable CDs		1.8		1.7		1.8		1.9		1.4		5			25
Other deposits		0.3		0.3		0.3		0.4		0.4		(7	)		(11	)
Total deposits		46.2		46.0		46.8		46.3		44.9		0			3
Short and long-term borrow ings		2.8		2.8		2.4		3.1		4.3		(2	)		(36	)
Total Interest-bearing liabilities	$	36.1	$	36.6	$	36.1	$	37.0	$	37.1		(2	)%		(3	)%

See Page 7 of Quarterly Financial Supplement for additional detail.

Average interest-bearing liabilities decreased $1.0 billion, or 3%, from the 2012 second quarter, primarily reflecting:

• $1.5 billion, or 36%, decrease in subordinated notes and other short- and long-term debt reflecting the repayment of $0.6 billion of TLGP related debt in June of 2012 and the redemption of $0.2 billion of trust preferred securities in 2012 second half.

• $1.8 billion, or 28%, decrease in average core certificates of deposit due to the strategic focus on changing the funding sources to no-cost demand deposits and low cost money markets deposits.

Partially offset by:

• $1.9 billion, or 14%, increase in money market deposits reflecting the strategic focus on increased share of wallet and customer preference for increased liquidity.

Compared to the 2013 first quarter, average interest-bearing liabilities declined $0.6 billion, or 6% annualized. A $0.2 billion, or 1% annualized, increase in average total core deposits primarily reflected a $0.7 billion, or 23% annualized, increase in average noninterest bearing deposits that were partially offset by a $0.6 billion, or 42% annualized, decrease in core certificates of deposits.

5

Noninterest Income

Table 6 – Noninterest Income – Service Charges and Electronic Banking Mostly Offset Lack of LIHTC Sale and Decline in MSR Hedge

	2013						2012
	Second			First			Fourth		Third		Second		Change (%)
(in millions)	Quarter			Quarter			Quarter		Quarter		Quarter		LQ			YOY
Noninterest Income
Service charges on deposit accounts	$	68.0		$	60.9		$	68.1	$	67.8	$	66.0		12	%		3	%
Mortgage banking income		33.7			45.2			61.7		44.6		38.3		(26	)		(12	)
Trust services		30.7			31.2			31.4		29.7		29.9		(2	)		3
Electronic Banking		23.3			20.7			21.0		22.1		20.5		13			14
Brokerage income		19.5			18.0			17.4		16.5		19.0		9			3
Insurance income		17.2			19.3			17.3		17.8		17.4		(11	)		(1	)
Gain on sale of loans		3.3			2.6			20.7		6.6		4.1		28			(19	)
Bank ow ned life insurance income		15.4			13.4			13.8		14.4		14.0		15			10
Capital markets fees		12.2			7.8			12.7		11.6		13.3		56			(8	)
Securities (losses) gains		(0.4	)		(0.5	)		0.9		4.2		0.4		(19	)		(217	)
Other income		25.7			33.6			32.8		25.8		30.9		(24	)		(17	)
Total noninterest income	$	248.7		$	252.2		$	297.7	$	261.1	$	253.8		(1	)%		(2	)%

In the 2013 second quarter, noninterest income decreased $5.2 million, or 2%, from the year-ago quarter, primarily reflecting:

• $5.3 million, or 17%, decrease in other noninterest income including a $4.3 million reduction in the gain on the sale of LIHTC investments.

• $4.7 million, or 12%, decrease in mortgage banking income as the benefit of net mortgage servicing rights (MSR) decreased by $2.5 million while origination and secondary marketing income declined $2.3 million primarily due to lower spreads.

Partially offset by a number of smaller items, the largest of which was less than $3 million.

Compared to the 2013 first quarter, the $3.6 million, or 1%, decrease in noninterest income reflected the $11.6 million, or 26%, decrease in mortgage banking income as the benefit of net mortgage servicing rights (MSR) decreased by $11.6 million. Other income decreased $7.9 million, or 24%, as the prior quarter included a $7.6 million gain on the sale of LIHTC investments. These were partially offset by a $7.1 million, or 12%, increase in service charges on deposit accounts that follow yearly seasonal trends in customer activity and 8% annualized growth in consumer checking households, and a $4.4 million, or 56%, increase in capital markets activity.

6

Noninterest Expense

Table 7 – Noninterest Expense – Essentially Flat as Pace of Investment Slows

	2013					2012
	Second			First		Fourth		Third		Second			Change (%)
(in millions)	Quarter			Quarter		Quarter		Quarter		Quarter			LQ			YOY
Noninterest Expense
Personnel costs	$	263.9		$	258.9	$	254.0	$	247.7	$	243.0			2	%		9	%
Outside data processing and other services		49.9			49.3		48.7		50.4		48.6			1			3
Net occupancy		27.7			30.1		29.0		27.6		25.5			(8	)		9
Equipment		24.9			24.9		26.6		26.0		24.9			0			0
Deposit and other insurance expense		13.5			15.5		16.3		15.5		15.7			(13	)		(14	)
Professional services		9.3			7.2		22.5		17.5		15.0			30			(38	)
Marketing		14.2			11.0		16.5		16.8		17.4			30			(18	)
Amortization of intangibles		10.4			10.3		11.6		11.4		11.9			0			(13	)
OREO and foreclosure expense		(0.3	)		2.7		4.2		5.0		4.1			(110	)		(107	)
Gain on early extinguishment of debt		—			—		—		1.8		(2.6	)		NR			(100	)
Other expense		32.4			33.0		41.2		38.6		40.7			(2	)		(20	)
Total noninterest expense	$	445.9		$	442.8	$	470.6	$	458.3	$	444.3			1	%		0	%
(in thousands)
Number of employees (full-time equivalent)		12.2			12.1		11.8		11.7		11.4			1	%		6	%

In the 2013 second quarter, noninterest expense increased $1.6 million, or less than 1%, from the year-ago quarter, primarily reflecting:

• $20.8 million, or 9%, increase in personnel costs, reflecting a increased salaries and benefits and a 6% increase in the number of full-time equivalent employees, primarily reflecting growth in the in-store initiative and mortgage business.

Partially offset by:

• $8.3 million, or 20%, decline in other expense, reflecting lower representations and warranties related expenses and lower litigation expense.

• $5.7 million, or 38%, decrease in professional services, reflecting a decrease in legal and outside consultant expenses.

• $4.4 million decline in OREO and foreclosure expense as there were net gains of $0.3 million during the 2013 second quarter.

• $3.2 million, or 18%, decrease in marketing, primarily reflecting the refinement of targeted marketing programs and reduced promotional offers.

Noninterest expense increased $3.1 million, or 1%, from the prior quarter due to a $5.0 million, or 2%, increase in personnel costs reflecting higher commission expense and a $3.3 million, or 30%, seasonal increase in marketing that were partially offset by $2.9 million decline in OREO and foreclosure expense.

7

Credit Quality

Table 8 – Summary Credit Quality Metrics – Continued Improvement

	2013						2012
($ in thousands)	Jun. 30			Mar. 31			Dec. 31			Sep. 30			Jun. 30
Total nonaccrual loans and leases	$	363,546		$	380,311		$	407,633		$	445,046		$	474,166
Total other real estate, net		21,066			25,139			28,097			54,206			38,608
Other NPAs (1)		12,087			10,045			10,045			10,476			10,476
Total nonperforming assets(2)	$	396,699		$	415,495		$	445,775		$	509,728		$	523,250
Accruing loans and leases past due 90 days or more		94,123			108,423			110,316			108,219			95,555
NPAs + accruing loans and lease past due 90 days or more	$	490,822		$	523,918		$	556,091		$	617,947		$	618,805
NAL ratio (2)		0.87	%		0.92	%		1.00	%		1.11	%		1.19	%
NPA ratio (3)		0.95			1.01			1.09			1.26			1.31
(NPAs+90 days)/(Loans+OREO)		1.38			1.48			1.59			1.75			1.76
Provision for credit losses	$	24,722		$	29,592		$	39,458		$	37,004		$	36,520
Net charge-offs		34,790			51,687			70,130			105,095			84,245
Net charge-offs / Average total loans		0.34	%		0.51	%		0.69	%		1.05	%		0.82	%
Allowance for loans and lease losses	$	733,076		$	746,769		$	769,075		$	789,142		$	859,646
Allowance for unfunded loan commitments and letters of credit		44,223			40,855			40,651			53,563			50,978
Allowance for credit losses (ACL)	$	777,299		$	787,624		$	809,726		$	842,705		$	910,624
ACL as a % of:
Total loans and leases		1.86	%		1.91	%		1.99	%		2.09	%		2.28	%
NALs		214			207			199			189			192
NPAs		196			190			182			165			174

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

(2) NPA’s related to Chapter 7 bankruptcy: 2Q13- $59.6 MM, 1Q13- $ 59.9 MM, 4Q12—$60.1 MM, and 3Q12—$63.0 MM

(3) Total NALs as a % of total loans and leases

(4) Total NPAs as a % of sum of loans and leases, impaired loans held for sale, and net other real estate.

See Pages 12 through 15 of Quarterly Financial Supplement for additional detail.

Credit quality performance in the 2013 second quarter reflected continued improvement. Nonaccrual loans (NALs) declined $110.6 million, or 23%, from the 2012 second quarter and $16.8 million, or 4%, from the 2013 first quarter to $363.5 million, or 0.87% of total loans and leases. Nonperforming assets (NPAs) declined $126.6 million, or 24%, compared to the year-ago quarter and $18.8 million, or 5%, from the 2013 first quarter to $396.7 million, or 0.95% of total loans and leases, OREO, and other NPAs. The decreases primarily reflected meaningful improvement in CRE NALs.

The provision for credit losses decreased $11.8 million, or 32%, from the 2012 second quarter. Net charge-offs (NCOs) benefited from higher levels of recoveries than experienced over the last year and were $34.8 million, down 59% from $84.2 million in the year-ago quarter. NCOs were an annualized 0.34% of average loans and leases in the current quarter, down from 0.82% in the 2012 second quarter. The period-end allowance for credit losses (ACL) as a percentage of total loans and leases decreased to 1.86% from 2.28% a year ago, while the ACL as a percentage of period-end total NALs increased to 214% from 192%.

8

Capital

Table 9 – Capital Ratios – Tier 1 Common Continues to Increase

	2013						2012
(in millions)	Jun. 30			Mar. 31			Dec. 31,			Sep. 30			Jun. 30
Tangible common equity / tangible assets ratio		8.78	%		8.92	%		8.76	%		8.74	%		8.41	%
Tier 1 common risk-based capital ratio		10.71	%		10.62	%		10.48	%		10.28	%		10.08	%
Regulatory Tier 1 risk-based capital ratio		12.24	%		12.16	%		12.02	%		11.88	%		11.93	%
Excess over 6.0% (1)	$	3,000		$	2,953		$	2,876		$	2,831		$	2,840
Regulatory Total risk-based capital ratio		14.57	%		14.55	%		14.50	%		14.37	%		14.42	%
Excess over 10.0% (1)	$	2,197		$	2,181		$	2,150		$	2,104		$	2,117
Total risk-w eighted assets	$	48,077		$	47,937		$	47,773		$	48,147		$	47,890

See Page 16 of Quarterly Financial Supplement for additional detail.

The tangible common equity to tangible assets ratio at June 30, 2013 was 8.78%, up 37 basis points from the year ago quarter. Our Tier 1 common risk-based capital ratio at quarter end was 10.71%, up from 10.08% at the end of the 2012 second quarter. Based on the Federal Reserve’s revised Basel III rules, the estimate for the negative impact on Tier 1 common risk-based capital at June 30, 2013 is approximately 60 basis points. This estimate includes the assumption of opting out of the inclusion of accumulated other comprehensive income, an approximate 40 basis point positive impact, and is meaningfully lower than the previous estimate of approximately 150 basis points.

The regulatory Tier 1 risk-based capital ratio at June 30, 2013 was 12.24%, up from 11.93% at June 30, 2012. The increase in the regulatory Tier 1 risk-based capital ratio reflected the increase in retained earnings, partially offset by redemption of $150 million of qualifying trust preferred securities since June 30, 2012. All capital ratios were impacted by the repurchase of 31.6 million common shares over the last four quarters, of which 10.0 million were repurchased in the 2013 second quarter at an average price per share of $7.50.

Income Taxes

The provision for income taxes in the 2013 second quarter was $52.4 million, $52.2 million in the 2013 first quarter, and $49.3 million in the 2012 second quarter. The effective tax rates for the 2013 second quarter, 2013 first quarter, and 2012 second quarter were 25.8%, 25.6%, and 24.4%, respectively. At June 30, 2013, the net federal deferred tax asset was $159.0 million and the net state deferred tax asset was $39.7 million. Based on both positive and negative evidence and the level of forecasted future taxable income, there was no impairment to the net federal and net state deferred tax assets at June 30, 2013. As of June 30, 2013 and March 31, 2013, there was no disallowed deferred tax asset for regulatory capital purposes.

2013 Expectations

“Huntington is seeing an uptick in manufacturing across our markets led by the auto industry along with continued investments in the fledgling oil and gas exploration industry,” said Steinour. “We believe these developments, along with recent upward revisions to economic growth forecasts in 2014, will trigger further business investment. We also are seeing a stronger than expected housing recovery across much of our region, which we believe will lead to more consumer spending. We will remain disciplined as we manage our returns on an aggregate moderate-to-low risk profile.”

9

Net interest income is expected to modestly grow over the remainder of 2013. We anticipate an increase in total loans will be partially offset by a reduction in total securities as the portfolio’s cash flow is not reinvested into additional securities. However, those benefits to net interest income are expected to be mostly offset by continued downward NIM pressure. 2013 NIM is not expected to fall below the mid 3.30%’s due to continued deposit repricing and mix shift opportunities while maintaining a disciplined approach to loan pricing.

The C&I portfolio is expected to see growth consistent with the anticipated increase in customer activity. Our C&I loan pipeline remains robust with much of this reflecting the positive impact from our investments in specialized commercial verticals, focused OCR sales process, and continued support of middle market and small business lending. Given automobile loan yields are relatively more attractive than similar duration securities and the recent decline in estimated securitization gains, we currently do not anticipate any automobile securitizations in the second half of 2013. Residential mortgages and home equity loan balances are expected to increase modestly. CRE loans are expected to remain in the current $5 billion range.

We anticipate the increase in total loans will outpace growth in total deposits. This reflects our continued focus on the overall cost of funds as well as the continued shift towards low- and no-cost demand deposits and money market deposit accounts.

Yesterday, the board of directors approved and management communicated a curtailment of the Company’s pension plan effective December 31, 2013. As a result of the accounting treatment for the unamortized prior service pension cost and the change in the projected benefit obligation, a one-time non-cash gain is expected to be recognized in the 2013 third quarter.

Noninterest income, when compared to 2012 levels, is expected to be flat to slightly down, excluding the impact of any automobile loan sales, any net MSR impact, and the aforementioned one-time gain. The anticipated slowdown in mortgage banking activity is expected to be mostly offset by continued growth in new customers, increased contribution from higher cross-sell, and the continued maturation of our previous strategic investments.

Third quarter expenses are expected to modestly increase due to higher commission expense and higher occupancy and equipment expense related to our continued in-store expansion. Expenses will be consistent with previous expectations, with a modest downward bias related to the pension related expense. We continue to evaluate additional cost saving opportunities. We remain committed to posting positive operating leverage in 2013.

NPAs are expected to experience continued improvement. This quarter, NCOs were slightly below our expected normalized range of 35 to 55 basis points. The level of provision for credit losses was below our long-term expectation, and we continue to expect moderate quarterly volatility.

The effective tax rate for 2013 is expected to be in the range of 25% to 28%, primarily reflecting the impacts of tax-exempt income, tax advantaged investments, and general business credits.

10

Conference Call / Webcast Information

Huntington’s senior management will host an earnings conference call on Thursday, July 18, 2013, at 10:00 a.m. (Eastern Time). The call may be accessed via a live Internet webcast at www.huntington-ir.com or through a dial-in telephone number at (877) 684-3807; Conference ID 96993401. Slides will be available at www.huntington-ir.com about an hour prior to the call. A replay of the webcast will be archived in the Investor Relations section of Huntington’s web site, www.huntington.com. A telephone replay will be available approximately two hours after the completion of the call through July 31, 2013 at (855) 859-2056 or (404) 537-3406; conference ID #96993401.

Please see the 2013 Second Quarter Quarterly Financial Supplement for additional detailed financial performance metrics. This document can be found at: http://www.investquest.com/iq/h/hban/ne/news/index.htm

Forward-looking Statement

This document contains certain forward-looking statements, including certain plans, expectations, goals, projections, and statements, which are subject to numerous assumptions, risks, and uncertainties. Forward-looking statements may be identified by words such as expect, anticipate, believe, intend, estimate, plan, target, goal, or similar expressions, or future or conditional verbs such as will, may, might, should, would, could, or similar variations.

While there is no assurance that any list of risks and uncertainties or risk factors is complete, below are certain factors which could cause actual results to differ materially from those contained or implied in the forward-looking statements: (1) worsening of credit quality performance due to a number of factors such as the underlying value of collateral that could prove less valuable than otherwise assumed and assumed cash flows may be worse than expected; (2) changes in economic conditions, including impacts from the implementation of the Budget Control Act of 2011, the American Taxpayer Relief Act of 2012, the Consolidated and Further Continuing Appropriations Act of 2013, as well as the continuing economic uncertainty in the US, the European Union, and other areas; (3) movements in interest rates; (4) competitive pressures on product pricing and services; (5) success, impact, and timing of our business strategies, including market acceptance of any new products or services implementing our “Fair Play” banking philosophy; (6) changes in accounting policies and principles and the accuracy of our assumptions and estimates used to prepare our financial statements; (7) extended disruption of vital infrastructure; (8) the final outcome of significant litigation; (9) the nature, extent, timing, and results of governmental actions, examinations, reviews, reforms, regulations, and interpretations, including those related to the Dodd-Frank Wall Street Reform and Consumer Protection Act and the Basel III regulatory capital reforms, as well as those involving the OCC, Federal Reserve, and CFPB;and (10) the outcome of judicial and regulatory decisions regarding practices in the residential mortgage industry, including among other things the processes followed for foreclosing residential mortgages. Additional factors that could cause results to differ materially from those described above can be found in Huntington’s 2012 Annual Report on Form 10-K, and documents subsequently filed by Huntington with the Securities and Exchange Commission. All forward-looking statements included in this document are based on information available at the time of the release. Huntington assumes no obligation to update any forward-looking statement.

Basis of Presentation

Use of Non-GAAP Financial Measures

This document may contain GAAP financial measures and non-GAAP financial measures where management believes it to be helpful in understanding Huntington’s results of operations or financial position. Where non-GAAP financial measures are used, the comparable GAAP financial measure, as well as the reconciliation to the comparable GAAP financial measure, can be found in this fourth quarter earnings conference call slides, or the Form 8-K related to this document, all of which can be found on Huntington’s website at www.huntington-ir.com.

Significant Items

From time to time, revenue, expenses, or taxes are impacted by items judged by Management to be outside of ordinary banking activities and/or by items that, while they may be associated with ordinary banking activities, are so unusually large that their outsized impact is believed by Management at that time to be infrequent or short term in nature. We refer to such items as “Significant Items”. Most often, these Significant Items result from factors originating outside the company – e.g., regulatory actions/assessments, windfall gains, changes in accounting principles, one-time tax assessments/refunds, litigation actions, etc. In other cases they may result from Management decisions associated with significant corporate actions out of the ordinary course of business – e.g., merger/restructuring charges, recapitalization actions, goodwill impairment, etc.

11

Even though certain revenue and expense items are naturally subject to more volatility than others due to changes in market and economic environment conditions, as a general rule volatility alone does not define a Significant Item. For example, changes in the provision for credit losses, gains/losses from investment activities, asset valuation write-downs, etc., reflect ordinary banking activities and are, therefore, typically excluded from consideration as a Significant Item.

Management believes the disclosure of “Significant Items”, when appropriate, aids analysts/investors in better understanding corporate performance and trends so that they can ascertain which of such items, if any, they may wish to include/exclude from their analysis of the company’s performance—i.e., within the context of determining how that performance differed from their expectations, as well as how, if at all, to adjust their estimates of future performance accordingly. To this end, Management has adopted a practice of listing “Significant Items” in its external disclosure documents (e.g., earnings press releases, quarterly performance discussions, investor presentations, Forms 10-Q and 10-K).

“Significant Items” for any particular period are not intended to be a complete list of items that may materially impact current or future period performance. A number of items could materially impact these periods, including those described in Huntington’s 2012 Annual Report on Form 10-K and other factors described from time to time in Huntington’s other filings with the Securities and Exchange Commission.

Annualized data

Certain returns, yields, performance ratios, or quarterly growth rates are presented on an “annualized” basis. This is done for analytical and decision-making purposes to better discern underlying performance trends when compared to full year or year-over-year amounts. For example, loan and deposit growth rates, as well as net charge-off percentages, are most often expressed in terms of an annual rate like 8%. As such, a 2% growth rate for a quarter would represent an annualized 8% growth rate.

Fully-taxable equivalent interest income and net interest margin

Income from tax-exempt earning assets is increased by an amount equivalent to the taxes that would have been paid if this income had been taxable at statutory rates. This adjustment puts all earning assets, most notably tax-exempt municipal securities and certain lease assets, on a common basis that facilitates comparison of results to results of competitors.

Earnings per share equivalent data

Significant income or expense items may be expressed on a per common share basis. This is done for analytical and decision-making purposes to better discern underlying trends in total corporate earnings per share performance excluding the impact of such items. Investors may also find this information helpful in their evaluation of the company’s financial performance against published earnings per share mean estimate amounts, which typically exclude the impact of Significant Items. Earnings per share equivalents are usually calculated by applying a 35% effective tax rate to a pre-tax amount to derive an after-tax amount, which is divided by the average shares outstanding during the respective reporting period. Occasionally, when the item involves special tax treatment, the after-tax amount is disclosed separately, with this then being the amount used to calculate the earnings per share equivalent.

Rounding

Please note that columns of data in this document may not add due to rounding.

Basel III Estimates

Basel III Tier I common capital ratio estimates are based on management’s current interpretation, expectations, and understanding of the final U.S. Basel III rules adopted by the Federal Reserve Board and released on July 2, 2013.

About Huntington

Huntington Bancshares Incorporated is a $56 billion regional bank holding company headquartered in Columbus, Ohio. The Huntington National Bank, founded in 1866, provides full-service commercial, small business, and consumer banking services; mortgage banking services; treasury management and foreign exchange services; equipment leasing; wealth and investment management services; trust services; brokerage services; customized insurance brokerage and service programs; and other financial products and services. The principal markets for these services are Huntington’s six-state retail banking franchise: Ohio, Michigan, Pennsylvania, Indiana, West Virginia, and Kentucky. The primary distribution channels include a banking network of more than 725 traditional branches and convenience branches located in grocery stores and retirement centers, and through an array of alternative distribution channels including internet and mobile banking, telephone banking, and more than 1,400 ATMs. Through automotive dealership relationships within its six-state retail banking franchise area and selected other Midwest and New England states, Huntington also provides commercial banking services to the automotive dealers and retail automobile financing for dealer customers.

###

12

EX-99.2

Exhibit 99.2

HUNTINGTON BANCSHARES INCORPORATED

Quarterly Financial Supplement

June 2013

Table of Contents

Quarterly Key Statistics	1
Year To DateKey Statistics	2
Key Statistics Footnotes	3
Consolidated Balance Sheets	4
Loans and Leases Composition	5
Deposits Composition	6
Consolidated Quarterly Average Balance Sheets	7
Consolidated Quarterly Net Interest Margin Analysis	8-9
Selected Quarterly Income Statement Data	10
Quarterly Mortgage Banking Income	11
Quarterly Credit Reserves Analysis	12
Quarterly Net Charge-Off Analysis	13
Quarterly Nonaccrual Loans and Leases (NALs) and Nonperforming Assets (NPAs)	14
Quarterly Accruing Past Due Loans and Leases and Accruing Troubled Debt Restructured Loans	15
Quarterly Common Stock Summary, Capital, and Other Data	16
Consolidated Year To Date Average Balance Sheets	17
Consolidated Year To Date Net Interest Margin Analysis	18-19
Selected Year To Date Income Statement Data	20
Year To Date Mortgage Banking Income	21
Year To Date Credit Reserves Analysis	22
Year To Date Net Charge-Off Analysis	23
Year To Date Nonaccrual Loans and Leases (NALs) and Nonperforming Assets (NPAs)	24
Year To Date Accruing Past Due Loans and Leases and Accruing Troubled Debt Restructured Loans	25

Notes:

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

Non-Regulatory Capital Ratios

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

• Tangible common equity to tangible assets,

• Tier 1 common equity to risk-weighted assets using Basel I and Basel III definitions, and

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

Quarterly Key Statistics⁽¹⁾

(Unaudited)

	2013						2012			Percent Changes vs.
(dollar amounts in thousands, except per share amounts)	Second			First			Second			1Q13			2Q12
Net interest income	$	424,937		$	424,170		$	428,962			—	%		(1	)%
Provision for credit losses		24,722			29,592			36,520			(16	)		(32	)
Noninterest income		248,655			252,209			253,819			(1	)		(2	)
Noninterest expense		445,865			442,793			444,269			1			—
Income before income taxes		203,005			203,994			201,992			—			1
Provision for income taxes		52,354			52,214			49,286			—			6
Net income	$	150,651		$	151,780		$	152,706			(1	)%		(1	)%
Dividends on preferred shares		7,967			7,970			7,984			—			—
Net income applicable to common shares	$	142,684		$	143,810		$	144,722			(1	)%		(1	)%
Net income per common share—diluted	$	0.17		$	0.17		$	0.17			—	%		—	%
Cash dividends declared per common share		0.05			0.04			0.04			25			25
Book value per common share at end of period		6.51			6.53			6.13			—			6
Tangible book value per common share at end of period		5.88			5.91			5.49			(1	)		7
Average common shares—basic		834,730			841,103			862,261			(1	)		(3	)
Average common shares—diluted		843,840			848,708			867,551			(1	)		(3	)
Return on average assets		1.08	%		1.10	%		1.10	%
Return on average common shareholders’ equity		10.4			10.7			11.1
Return on average tangible common shareholders’ equity(2)		12.0			12.4			13.1
Net interest margin(3)		3.38			3.42			3.42
Efficiency ratio(4)		64.0			63.3			62.8
Noninterest Income/Total Revenue		36.6			37.0			36.9
Effective tax rate		25.8			25.6			24.4
Average loans and leases	$	41,280,065		$	40,863,921		$	41,178,520			1			—
Average loans and leases—linked quarter annualized growth rate		4.1	%		4.6	%		20.8	%
Average earning assets	$	51,156,168		$	50,959,966		$	51,050,479			—			—
Average total assets		55,889,271			55,728,126			55,837,396			—			—
Average core deposits(5)		43,768,948			43,615,639			42,780,749			—			2
Average core deposits—linked quarter annualized growth rate		1.4	%		(6.3	)%		13.5	%
Average shareholders’ equity	$	5,888,206		$	5,834,190		$	5,617,615			1			5
Total assets at end of period		56,113,687			56,054,966			56,622,959			—			(1	)
Total shareholders’ equity at end of period		5,783,515			5,867,138			5,649,231			(1	)		2
Net charge-offs (NCOs)		34,790			51,687			84,245			(33	)		(59	)
NCOs as a % of average loans and leases		0.34	%		0.51	%		0.82	%
Nonaccrual loans and leases (NALs)	$	363,546		$	380,311		$	474,166			(4	)		(23	)
NAL ratio		0.87	%		0.92	%		1.19	%
Nonperforming assets (NPAs)(6)	$	396,699		$	415,495		$	523,250			(5	)		(24	)
NPA ratio(6)		0.95	%		1.01	%		1.31	%
Allowance for loan and lease losses (ALLL) as a % of total loans and leases at the end of period		1.76			1.81			2.15
ALLL plus allowance for unfunded loan commitments and letters of credit (ACL) as a % of total loans and leases at the end of period		1.86			1.91			2.28
ACL as a % of NALs		214			207			192
ACL as a % of NPAs		196			190			174
Tier 1 leverage ratio (7)		10.64			10.57			10.34
Tier 1 common risk-based capital ratio(7)		10.71			10.62			10.08
Tier 1 risk-based capital ratio (7)		12.24			12.16			11.93
Total risk-based capital ratio (7)		14.57			14.55			14.42
Tangible common equity / tangible assets ratio(8)		8.78			8.92			8.41

See Notes to the Quarterly Key Statistics.

1

HUNTINGTON BANCSHARES INCORPORATED

Year To Date Key Statistics⁽¹⁾

(Unaudited)

	Six Months Ended June 30,						Change
(dollar amounts in thousands, except per share amounts)	2013			2012			Amount			Percent
Net interest income	$	849,107		$	846,171		$	2,936			—	%
Provision for credit losses		54,314			70,926			(16,612	)		(23	)
Noninterest income		500,864			539,139			(38,275	)		(7	)
Noninterest expense		888,658			906,945			(18,287	)		(2	)
Income before income taxes		406,999			407,439			(440	)		—
Provision for income taxes		104,568			101,463			3,105			3
Net Income	$	302,431		$	305,976		$	(3,545	)		(1	)%
Dividends on preferred shares		15,937			16,033			(96	)		(1	)
Net income applicable to common shares	$	286,494		$	289,943		$	(3,449	)		(1	)%
Net income per common share—diluted	$	0.34		$	0.33		$	—			3	%
Cash dividends declared per common share		0.09			0.08			0.01			13
Average common shares—basic		837,917			863,380			(25,463	)		(3	)
Average common shares—diluted		846,274			868,357			(22,083	)		(3	)
Return on average assets		1.09	%		1.11	%
Return on average common shareholders’ equity		10.6			11.3
Return on average tangible common shareholders’ equity(2)		12.2			13.3
Net interest margin(3)		3.40			3.41
Efficiency ratio(4)		63.7			63.3
Noninterest Income/Total Revenue		36.8			38.6
Effective tax rate		25.7			24.9
Average loans and leases	$	41,073,143		$	40,161,604		$	911,539			2
Average earning assets		51,058,609			50,408,502			650,107			1
Average total assets		55,809,144			55,246,698			562,445			1
Average core deposits(5)		43,692,717			42,083,899			1,608,818			4
Average shareholders’ equity		5,861,347			5,554,922			306,426			6
Net charge-offs (NCOs)		86,477			167,237			(80,760	)		(48	)
NCOs as a % of average loans and leases		0.42	%		0.83	%

See Notes to the Annual and Quarterly Key Statistics.

2

Notes to the Quarterly Key Statistics

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

⁽²⁾  Net income excluding expense for amortization of intangibles for the period divided by average tangible common shareholders’ equity. Average tangible common shareholders’ equity equals average total common shareholders’ equity less average intangible assets and goodwill. Expense for amortization of intangibles and average intangible assets are net of deferred tax liability, and calculated assuming a 35% tax rate.

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

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

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

⁽⁶⁾  NPAs include other real estate owned.

⁽⁷⁾  June 30, 2013, 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

Huntington Bancshares Incorporated

Consolidated Balance Sheets

	2013			2012						Percent Changes vs.
	June 30,			December 31,			June 30,			4Q12			2Q12
(dollar amounts in thousands, except number of shares)	(Unaudited)						(Unaudited)
Assets
Cash and due from banks	$	993,906		$	1,262,806		$	1,218,588			(21	)%		(18	)%
Federal funds sold and securities purchased under resale agreements		—			—			—
Interest-bearing deposits in banks		76,715			70,921			88,825			8			(14	)
Trading account securities		80,927			91,205			53,837			(11	)		50
Loans held for sale		458,275			764,309			2,123,371			(40	)		(78	)
Available-for-sale and other securities		6,815,658			7,566,175			8,666,778			(10	)		(21	)
Held-to-maturity securities		2,172,229			1,743,876			598,385			25			263
Loans and leases(1)		41,739,847			40,728,425			39,959,180			2			4
Allowance for loan and lease losses		(733,076	)		(769,075	)		(859,646	)		(5	)		(15	)
Net loans and leases		41,006,771			39,959,350			39,099,534			3			5
Bank owned life insurance		1,620,604			1,596,056			1,573,891			2			3
Premises and equipment		626,745			617,257			583,057			2			7
Goodwill		444,268			444,268			444,268			—			—
Other intangible assets		113,874			132,157			159,195			(14	)		(28	)
Accrued income and other assets		1,703,715			1,904,805			2,013,230			(11	)		(15	)
Total assets	$	56,113,687		$	56,153,185		$	56,622,959			—	%		(1	)%
Liabilities and shareholders’ equity
Liabilities
Deposits(2)	$	46,331,434		$	46,252,683		$	46,076,075			—	%		1	%
Short-term borrowings		630,405			589,814			1,205,995			7			(48	)
Federal Home Loan Bank advances		983,420			1,008,959			835,653			(3	)		18
Other long-term debt		155,126			158,784			310,043			(2	)		(50	)
Subordinated notes		1,114,368			1,197,091			1,418,216			(7	)		(21	)
Accrued expenses and other liabilities		1,115,419			1,155,643			1,127,746			(3	)		(1	)
Total liabilities		50,330,172			50,362,974			50,973,728			—			(1	)
Shareholder’s equity
Preferred stock—authorized 6,617,808 shares-Series A, 8.50% fixed rate, non-cumulative perpetual convertible preferred stock, par value of $0.01, and liquidation value per share of $1,000		362,507			362,507			362,507			—			—
Series B, floating rate, non-voting, non-cumulative perpetual preferred stock, par value of $0.01, and liquidation value per share of $1,000		23,785			23,785			23,785			—			—
Common stock—Par value of $0.01		8,310			8,441			8,596			(2	)		(3	)
Capital surplus		7,390,041			7,475,149			7,569,481			(1	)		(2	)
Less treasury shares, at cost		(10,719	)		(10,921	)		(10,393	)		(2	)		3
Accumulated other comprehensive loss		(283,736	)		(150,817	)		(135,977	)		88			109
Retained earnings		(1,706,673	)		(1,917,933	)		(2,168,768	)		(11	)		(21	)
Total shareholders’ equity		5,783,515			5,790,211			5,649,231			—			2
Total liabilities and shareholders’ equity	$	56,113,687		$	56,153,185		$	56,622,959			—			(1	)
Common shares authorized (par value of $0.01)		1,500,000,000			1,500,000,000			1,500,000,000
Common shares issued		831,030,258			844,105,349			859,597,015
Common shares outstanding		829,674,914			842,812,709			858,401,176
Treasury shares outstanding		1,355,344			1,292,640			1,195,839
Preferred shares issued		1,967,071			1,967,071			1,967,071
Preferred shares outstanding		398,007			398,007			398,007

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

⁽²⁾  See page 6 for detail of deposits.

N.R- Not relevant, as denominator of calculation is a negative in prior period compared with a positive in current period, or as numberator of caculation is zero in the current period

4

Huntington Bancshares Incorporated

Loans and Leases Composition

						2013				2012
	June 30,					March 31,				December 31,				September 30,				June 30,
(dollar amounts in millions)	(Unaudited)					(Unaudited)								(Unaudited)				(Unaudited)
Ending Balances by Type:
Commercial:(1)
Commercial and industrial	$	17,113		41	%	$	17,267	42	%	$	16,971	42	%	$	16,478	41	%	$	16,322	41	%
Commercial real estate:
Construction		607		1			574	1			648	2			541	1			591	1
Commercial		4,286		10			4,485	11			4,751	12			4,956	12			5,317	13
Commercial real estate		4,893		11			5,059	12			5,399	14			5,497	13			5,908	14
Total commercial		22,006		52			22,326	54			22,370	56			21,975	54			22,230	55
Consumer:
Automobile		5,810		14			5,036	12			4,634	11			4,276	11			3,808	10
Home equity		8,369		20			8,474	21			8,335	20			8,381	21			8,344	21
Residential mortgage		5,168		12			5,051	12			4,970	12			5,192	13			5,123	13
Other consumer		387		2			397	1			419	1			436	1			454	1
Total consumer		19,734		48			18,958	46			18,358	44			18,285	46			17,729	45
Total loans and leases	$	41,740		100	%	$	41,284	100	%	$	40,728	100	%	$	40,260	100	%	$	39,959	100	%
Ending Balances by Business Segment:
Retail and Business Banking	$	12,642		30	%	$	12,749	31	%	$	12,644	31	%	$	12,656	31	%	$	12,714	32	%
Regional and Commercial Banking		11,119		27			11,166	27			10,679	26			10,463	26			10,420	26
AFCRE		12,119		29			11,526	28			11,396	28			11,019	27			10,892	27
WGH		5,868		14			5,767	14			5,887	15			6,053	16			5,904	15
Treasury / Other		(8	)	—			76	—			122	—			69	—			29	—
Total loans and leases	$	41,740		100	%	$	41,284	100	%	$	40,728	100	%	$	40,260	100	%	$	39,959	100	%
						2013				2012
	Second					First				Fourth				Third				Second
Average Balances by Business Segment:
Retail and Business Banking	$	12,688		31	%	$	12,693	31	%	$	12,677	31	%	$	12,703	32	%	$	12,977	32	%
Regional and Commercial Banking		11,058		27			10,987	27			10,390	26			10,427	26			10,229	25
AFCRE		11,683		28			11,454	28			11,221	28			10,949	27			11,891	29
WGH		5,837		14			5,711	14			6,054	15			5,993	15			6,007	14
Treasury / Other		14		—			19	—			55	—			48	—			75	—
Total loans and leases	$	41,280		100	%	$	40,864	100	%	$	40,397	100	%	$	40,120	100	%	$	41,179	100	%

⁽¹⁾  As defined by regulatory guidance, there were no commercial loans outstanding that would be considered a concentration of lending to a particular industry or group of industries.

5

Huntington Bancshares Incorporated

Deposits Composition

	2013								2012
	June 30,				March 31,				December 31,				September 30,				June 30,
(dollar amounts in millions)	(Unaudited)				(Unaudited)								(Unaudited)				(Unaudited)
Ending Balances by Type:
Demand deposits—noninterest-bearing	$	13,491	29	%	$	12,757	27	%	$	12,600	27	%	$	12,680	27	%	$	12,324	27	%
Demand deposits—interest-bearing		5,977	13			6,135	13			6,218	13			5,909	13			6,060	13
Money market deposits		15,131	33			15,165	32			14,691	32			14,926	32			13,756	30
Savings and other domestic deposits		5,054	11			5,174	11			5,002	11			4,949	11			4,961	11
Core certificates of deposit		4,353	9			5,170	11			5,516	12			5,817	12			6,508	14
Total core deposits		44,006	95			44,401	94			44,027	95			44,281	95			43,609	95
Other domestic deposits of $250,000 or more		283	1			355	1			354	1			352	1			260	1
Brokered deposits and negotiable CDs		1,695	4			1,807	4			1,594	3			1,795	4			1,888	4
Deposits in foreign offices		347	—			304	1			278	1			313	—			319	—
Total deposits	$	46,331	100	%	$	46,867	100	%	$	46,253	100	%	$	46,741	100	%	$	46,076	100	%
Total core deposits:
Commercial	$	18,922	43	%	$	18,502	42	%	$	18,358	42	%	$	19,207	43	%	$	18,324	42	%
Consumer		25,084	57			25,899	58			25,669	58			25,074	57			25,285	58
Total core deposits	$	44,006	100	%	$	44,401	100	%	$	44,027	100	%	$	44,281	100	%	$	43,609	100	%
Ending Balances by Business Segment:
Retail and Business Banking	$	28,209	61	%	$	28,719	61	%	$	28,367	61	%	$	28,220	60	%	$	28,348	62	%
Regional and Commercial Banking		5,639	12			5,627	12			5,863	13			6,205	13			5,333	12
AFCRE		1,021	2			970	2			995	2			922	2			907	2
WGH		10,069	22			10,015	22			9,508	21			9,816	22			9,782	20
Treasury / Other(1)		1,393	3			1,536	3			1,520	3			1,578	3			1,706	4
Total deposits	$	46,331	100	%	$	46,867	100	%	$	46,253	100	%	$	46,741	100	%	$	46,076	100	%
	2013								2012
	Second				First				Fourth				Third				Second
Average Balances by Business Segment:
Retail and Business Banking	$	28,345	61	%	$	28,331	62	%	$	28,301	61	%	$	28,248	61	%	$	28,260	63	%
Regional and Commercial Banking		5,506	12			5,668	12			6,120	13			5,715	12			4,762	11
AFCRE		954	2			922	2			949	2			942	2			855	2
WGH		9,919	22			9,623	21			9,873	21			9,735	21			9,783	21
Treasury / Other(1)		1,463	3			1,469	3			1,524	3			1,658	4			1,197	3
Total deposits	$	46,187	100	%	$	46,013	100	%	$	46,767	100	%	$	46,298	100	%	$	44,857	100	%

⁽¹⁾  Comprised primarily of national market deposits.

6

Huntington Bancshares Incorporated

Consolidated Quarterly Average Balance Sheets

(Unaudited)

	Average Balances
	2013						2012									Percent Changes vs.
(dollar amounts in millions)	Second			First			Fourth			Third			Second			1Q13			2Q12
Assets
Interest-bearing deposits in banks	$	84		$	72		$	73		$	82		$	124			17	%		(32	)%
Loans held for sale		678			709			840			1,829			410			(4	)		65
Securities:
Available-for-sale and other securities:
Taxable		6,728			6,964			7,131			8,014			8,285			(3	)		(19	)
Tax-exempt		591			549			492			423			387			8			53
Total available-for-sale and other securities		7,319			7,513			7,623			8,437			8,672			(3	)		(16	)
Trading account securities		84			85			97			66			54			(1	)		56
Held-to-maturity securities—taxable		1,711			1,717			1,652			796			611			(0	)		180
Securities		9,114			9,315			9,372			9,299			9,337			(2	)		(2	)
Loans and leases:(1)
Commercial:
Commercial and industrial		17,033			16,954			16,507			16,343			16,094			—			6
Commercial real estate:
Construction		586			598			576			569			584			(2	)		—
Commercial		4,429			4,694			4,897			5,153			5,491			(6	)		(19	)
Commercial real estate		5,015			5,292			5,473			5,722			6,075			(5	)		(17	)
Total commercial		22,048			22,246			21,980			22,065			22,169			(1	)		(1	)
Consumer:
Automobile		5,283			4,833			4,486			4,065			4,985			9			6
Home equity		8,263			8,395			8,345			8,369			8,310			(2	)		(1	)
Residential mortgage		5,225			4,978			5,155			5,177			5,253			5			(1	)
Other consumer		461			412			431			444			462			12			(0	)
Total consumer		19,232			18,618			18,417			18,055			19,010			3			1
Total loans and leases		41,280			40,864			40,397			40,120			41,179			1			—
Allowance for loan and lease losses		(746	)		(772	)		(783	)		(855	)		(908	)		(3	)		(18	)
Net loans and leases		40,534			40,092			39,614			39,265			40,271			1			1
Total earning assets		51,156			50,960			50,682			51,330			51,050			—			—
Cash and due from banks		940			904			1,459			960			928			4			1
Intangible assets		563			571			581			597			609			(1	)		(8	)
All other assets		3,976			4,065			4,115			4,106			4,158			(2	)		(4	)
Total assets	$	55,889		$	55,728		$	56,054		$	56,138		$	55,837			—	%		—	%
Liabilities and shareholders’ equity
Deposits:
Demand deposits—noninterest-bearing	$	12,879		$	12,165		$	13,121		$	12,329		$	12,064			6	%		7	%
Demand deposits—interest-bearing		5,927			5,977			5,843			5,814			5,939			(1	)		(0	)
Total demand deposits		18,806			18,142			18,964			18,143			18,003			4			4
Money market deposits		15,069			15,045			14,749			14,515			13,182			—			14
Savings and other domestic deposits		5,115			5,083			4,960			4,975			4,978			1			3
Core certificates of deposit		4,778			5,346			5,637			6,131			6,618			(11	)		(28	)
Total core deposits		43,768			43,616			44,310			43,764			42,781			—			2
Other domestic deposits of $250,000 or more		324			360			359			300			298			(10	)		9
Brokered deposits and negotiable CDs		1,779			1,697			1,756			1,878			1,421			5			25
Deposits in foreign offices		316			340			342			356			357			(7	)		(11	)
Total deposits		46,187			46,013			46,767			46,298			44,857			—			3
Short-term borrowings		701			762			1,012			1,329			1,391			(8	)		(50	)
Federal Home Loan Bank advances		757			686			42			107			626			10			21
Subordinated notes and other long-term debt		1,292			1,348			1,374			1,638			2,251			(4	)		(43	)
Total interest-bearing liabilities		36,058			36,644			36,074			37,043			37,061			(2	)		(3	)
All other liabilities		1,064			1,085			1,017			1,035			1,094			(2	)		(3	)
Shareholders’ equity		5,888			5,834			5,842			5,731			5,618			1			5
Total liabilities and shareholders’ equity	$	55,889		$	55,728		$	56,054		$	56,138		$	55,837			—	%		—	%

⁽¹⁾  Includes nonaccrual loans.

7

Huntington Bancshares Incorporated

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

(Unaudited)

	Interest Income / Expense
	2013				2012
(dollar amounts in thousands)	Second		First		Fourth		Third		Second
Assets
Interest-bearing deposits in banks	$	57	$	29	$	51	$	42	$	97
Loans held for sale		5,739		5,702		6,675		14,548		3,541
Securities:
Available-for-sale and other securities:
Taxable		38,538		40,185		41,335		45,936		48,245
Tax-exempt		5,829		5,438		4,968		4,383		4,099
Total available-for-sale and other securities		44,367		45,623		46,303		50,319		52,344
Trading account securities		126		106		245		178		223
Held-to-maturity securities—taxable		9,778		9,838		9,244		5,591		4,539
Total securities		54,272		55,567		55,792		56,088		57,106
Loans and leases:
Commercial:
Commercial and industrial		161,543		162,396		163,644		162,998		162,419
Commercial real estate:
Construction		5,829		6,045		6,075		5,583		5,397
Commercial		46,214		46,978		52,543		50,704		54,554
Commercial real estate		52,043		53,023		58,618		56,287		59,951
Total commercial		213,586		215,419		222,262		219,285		222,370
Consumer:
Automobile		52,159		51,013		50,930		49,718		57,971
Home equity		85,796		86,991		88,541		89,388		89,358
Residential mortgage		49,912		49,353		52,440		51,981		54,326
Other consumer		7,649		7,168		7,774		7,991		8,522
Total consumer		195,516		194,525		199,685		199,078		210,177
Total loans and leases		409,102		409,944		421,947		418,363		432,547
Total earning assets	$	469,169	$	471,242	$	484,465	$	489,041	$	493,291
Liabilities
Deposits:
Demand deposits—noninterest-bearing	$	—	$	—	$	—	$	—	$	—
Demand deposits—interest-bearing		617		642		734		1,013		987
Total demand deposits		617		642		734		1,013		987
Money market deposits		8,886		8,438		9,843		12,025		9,954
Savings and other domestic deposits		3,416		3,818		4,150		4,576		4,858
Core certificates of deposit		13,410		15,710		17,144		19,237		22,682
Total core deposits		26,329		28,608		31,871		36,851		38,481
Other domestic deposits of $250,000 or more		406		465		553		511		493
Brokered deposits and negotiable CDs		2,746		2,823		3,141		3,356		2,650
Deposits in foreign offices		110		140		152		164		165
Total deposits		29,591		32,036		35,717		40,882		41,789
Short-term borrowings		179		234		363		544		558
Federal Home Loan Bank advances		272		301		129		135		333
Subordinated notes and other long-term debt		7,603		8,578		8,731		11,928		15,902
Total interest bearing liabilities		37,645		41,149		44,940		53,489		58,582
Net interest income	$	431,524	$	430,093	$	439,525	$	435,552	$	434,709

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

8

Huntington Bancshares Incorporated

Consolidated Quarterly Net Interest Margin Analysis

(Unaudited)

	Average Rates (2)
	2013						2012
Fully-taxable equivalent basis(1)	Second			First			Fourth			Third			Second
Assets
Interest-bearing deposits in banks		0.27	%		0.16	%		0.28	%		0.21	%		0.31	%
Loans held for sale		3.39			3.22			3.18			3.18			3.46
Securities:
Available-for-sale and other securities:
Taxable		2.29			2.31			2.32			2.29			2.33
Tax-exempt		3.94			3.96			4.03			4.15			4.23
Total available-for-sale and other securities		2.42			2.43			2.43			2.39			2.41
Trading account securities		0.60			0.50			1.01			1.07			1.64
Held-to-maturity securities—taxable		2.29			2.29			2.24			2.81			2.97
Total securities		2.38			2.39			2.38			2.41			2.45
Loans and leases:(2)(3)
Commercial:
Commercial and industrial		3.75			3.83			3.88			3.90			3.99
Commercial real estate:
Construction		3.93			4.05			4.13			3.84			3.66
Commercial		4.13			4.00			4.20			3.85			3.93
Commercial real estate		4.09			4.01			4.19			3.85			3.89
Total commercial		3.83			3.87			3.96			3.89			3.97
Consumer:
Automobile		3.96			4.28			4.52			4.87			4.68
Home equity		4.16			4.20			4.24			4.27			4.30
Residential mortgage		3.82			3.97			4.07			4.02			4.14
Other consumer		6.66			7.05			7.16			7.16			7.42
Total consumer		4.07			4.22			4.33			4.40			4.43
Total loans and leases		3.95			4.03			4.13			4.12			4.18
Total earning assets		3.68	%		3.75	%		3.80	%		3.79	%		3.89	%
Liabilities
Deposits:
Demand deposits—noninterest-bearing		—	%		—	%		—	%		—	%		—	%
Demand deposits—interest-bearing		0.04			0.04			0.05			0.07			0.07
Total demand deposits		0.01			0.01			0.02			0.02			0.02
Money market deposits		0.24			0.23			0.27			0.33			0.30
Savings and other domestic deposits		0.27			0.30			0.33			0.37			0.39
Core certificates of deposit		1.13			1.19			1.21			1.25			1.38
Total core deposits		0.34			0.37			0.41			0.47			0.50
Other domestic deposits of $250,000 or more		0.50			0.52			0.61			0.68			0.66
Brokered deposits and negotiable CDs		0.62			0.67			0.71			0.71			0.75
Deposits in foreign offices		0.14			0.17			0.18			0.18			0.19
Total deposits		0.36			0.38			0.42			0.48			0.51
Short-term borrowings		0.10			0.12			0.14			0.16			0.16
Federal Home Loan Bank advances		0.14			0.18			1.20			0.50			0.21
Subordinated notes and other long-term debt		2.35			2.54			2.55			2.91			2.83
Total interest-bearing liabilities		0.42			0.45			0.50			0.58			0.63
Net interest rate spread		3.26			3.30			3.30			3.21			3.26
Impact of noninterest-bearing funds on margin		0.12			0.12			0.15			0.17			0.16
Net interest margin		3.38	%		3.42	%		3.45	%		3.38	%		3.42	%

Commercial Loan Derivative Impact

(Unaudited)

	Average Rates (2)
	2013						2012
Fully-taxable equivalent basis(1)	Second			First			Fourth			Third			Second
Commercial loans(2)(3)		3.57	%		3.58	%		3.72	%		3.61	%		3.67	%
Impact of commercial loan derivatives		0.26			0.29			0.24			0.28			0.30
Total commercial—as reported		3.83	%		3.87	%		3.96	%		3.89	%		3.97	%
Average 30 day LIBOR		0.20	%		0.20	%		0.21	%		0.24	%		0.24	%

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

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

⁽³⁾  Includes the impact of nonaccrual loans.

9

Huntington Bancshares Incorporated

Selected Quarterly Income Statement Data⁽¹⁾

(Unaudited)

	2013						2012							Percent Changes vs.
(dollar amounts in thousands, except per share amounts)	Second			First			Fourth		Third		Second			1Q13			2Q12
Interest income	$	462,582		$	465,319		$	478,995	$	483,787	$	487,544			(1	)%		(6	)%
Interest expense		37,645			41,149			44,940		53,489		58,582			(9	)		(36	)
Net interest income		424,937			424,170			434,055		430,298		428,962			—			(1	)
Provision for credit losses		24,722			29,592			39,458		37,004		36,520			(16	)		(32	)
Net interest income after provision for credit losses		400,215			394,578			394,597		393,294		392,442			1			2
Service charges on deposit accounts		68,009			60,883			68,083		67,806		65,998			12			3
Mortgage banking income		33,659			45,248			61,711		44,614		38,349			(26	)		(12	)
Trust services		30,666			31,160			31,388		29,689		29,914			(2	)		3
Electronic banking		23,345			20,713			21,011		22,135		20,514			13			14
Brokerage income		19,546			17,995			17,415		16,526		19,025			9			3
Insurance income		17,187			19,252			17,268		17,792		17,384			(11	)		(1	)
Gain on sale of loans		3,348			2,616			20,690		6,591		4,131			28			(19	)
Bank owned life insurance income		15,421			13,442			13,767		14,371		13,967			15			10
Capital markets fees		12,229			7,834			12,694		11,596		13,260			56			(8	)
Securities gains (losses)		(410	)		(509	)		863		4,169		350			(19	)		(217	)
Other income		25,655			33,575			32,761		25,778		30,927			(24	)		(17	)
Total noninterest income		248,655			252,209			297,651		261,067		253,819			(1	)		(2	)
Personnel costs		263,862			258,895			253,952		247,709		243,034			2			9
Outside data processing and other services		49,898			49,265			48,699		50,396		48,568			1			3
Net occupancy		27,656			30,114			29,008		27,599		25,474			(8	)		9
Equipment		24,947			24,880			26,580		25,950		24,872			—			—
Deposit and other insurance expense		13,460			15,490			16,327		15,534		15,731			(13	)		(14	)
Professional services		9,341			7,192			22,514		17,510		15,037			30			(38	)
Marketing		14,239			10,971			16,456		16,842		17,396			30			(18	)
Amortization of intangibles		10,362			10,320			11,647		11,431		11,940			—			(13	)
OREO and foreclosure expense		(271	)		2,666			4,233		4,982		4,106			(110	)		(107	)
Loss (Gain) on early extinguishment of debt		—			—			—		1,782		(2,580	)		—			(100	)
Other expense		32,371			33,000			41,212		38,568		40,691			(2	)		(20	)
Total noninterest expense		445,865			442,793			470,628		458,303		444,269			1			—
Income before income taxes		203,005			203,994			221,620		196,058		201,992			(0	)		1
Provision for income taxes		52,354			52,214			54,341		28,291		49,286			—			6
Net income	$	150,651		$	151,780		$	167,279	$	167,767	$	152,706			(1	)%		(1	)%
Dividends on preferred shares		7,967			7,970			7,973		7,983		7,984			(0	)		(0	)
Net income applicable to common shares	$	142,684		$	143,810		$	159,306	$	159,784	$	144,722			(1	)%		(1	)%
Average common shares—basic		834,730			841,103			847,220		857,871		862,261			(1	)%		(3	)%
Average common shares—diluted		843,840			848,708			853,306		863,588		867,551			(1	)		(3	)%
Per common share
Net income—basic	$	0.17		$	0.17		$	0.19	$	0.19	$	0.17			—	%		—	%
Net income—diluted		0.17			0.17			0.19		0.19		0.17			—			—
Cash dividends declared		0.05			0.04			0.04		0.04		0.04			25			25
Revenue—fully-taxable equivalent (FTE)
Net interest income	$	424,937		$	424,170		$	434,055	$	430,298	$	428,962			—			(1	)
FTE adjustment		6,587			5,923			5,470		5,254		5,747			11			15
Net interest income(2)		431,524			430,093			439,525		435,552		434,709			—			(1	)
Noninterest income		248,655			252,209			297,651		261,067		253,819			(1	)		(2	)
Total revenue(2)	$	680,179		$	682,302		$	737,176	$	696,619	$	688,528			(0	)%		(1	)%

(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

Huntington Bancshares Incorporated

Quarterly Mortgage Banking Income

(Unaudited)

	2013						2012									Percent Changes vs.
(dollar amounts in thousands, except as noted)	Second			First			Fourth			Third			Second			1Q13			2Q13
Mortgage banking income
Origination and secondary marketing	$	27,915		$	27,330		$	44,497		$	40,860		$	30,184			2	%		(8	)%
Servicing fees		10,898			11,241			11,491			11,308			11,618			(3	)		(6	)
Amortization of capitalized servicing		(7,998	)		(7,903	)		(9,116	)		(8,405	)		(9,108	)		1			(12	)
Other mortgage banking income		4,471			4,654			4,828			4,999			4,814			(4	)		(7	)
Subtotal		35,286			35,322			51,700			48,762			37,508			(0	)		(6	)
MSR valuation adjustment(1)		14,128			17,798			11,747			(19,543	)		(19,013	)		(21	)		(174	)
Net trading gains (losses) related to MSR hedging		(15,755	)		(7,872	)		(1,736	)		15,395			19,854			100			(179	)
Total mortgage banking income	$	33,659		$	45,248		$	61,711		$	44,614		$	38,349			(26	)%		(12	)%
Mortgage originations (in millions)	$	1,282		$	1,119		$	1,161		$	1,224		$	1,291			15			(1	)
Average trading account securities used to hedge MSRs (in millions)		—			—			1			4			4			—	%		(100	)%
Capitalized mortgage servicing rights(2)		155,522			139,927			120,747			108,074			128,297			11			21
Total mortgages serviced for others (in millions)(2)		15,213			15,367			15,623			15,571			15,724			(1	)		(3	)
MSR % of investor servicing portfolio(2)		1.02	%		0.91	%		0.77	%		0.69	%		0.82	%		12			2,439
Net impact of MSR hedging
MSR valuation adjustment(1)	$	14,128		$	17,798		$	11,747		$	(19,543	)	$	(19,013	)		(21	)%		(174	)%
Net trading gains (losses) related to MSR hedging		(15,755	)		(7,872	)		(1,736	)		15,395			19,854			100			(179	)
Net interest income (loss) related to MSR hedging		—			—			—			4			(21	)		—			N.R.
Net gain (loss) of MSR hedging	$	(1,627	)	$	9,926		$	10,011		$	(4,144	)	$	820			(116	)%		(298	)%

⁽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

Huntington Bancshares Incorporated

Quarterly Credit Reserves Analysis

(Unaudited)

	2013						2012
(dollar amounts in thousands)	Second			First			Fourth			Third			Second
Allowance for loan and lease losses, beginning of period	$	746,769		$	769,075		$	789,142		$	859,646		$	913,069
Loan and lease losses		(63,238	)		(84,142	)		(106,962	)		(132,186	)		(108,092	)
Recoveries of loans previously charged off		28,448			32,455			36,832			27,091			23,847
Net loan and lease losses		(34,790	)		(51,687	)		(70,130	)		(105,095	)		(84,245	)
Provision for loan and lease losses		21,354			29,388			52,370			34,419			36,476
Allowance of assets sold or transferred to loans held for sale		(257	)		(7	)		(2,307	)		172			(5,654	)
Allowance for loan and lease losses, end of period	$	733,076		$	746,769		$	769,075		$	789,142		$	859,646
Allowance for unfunded loan commitments and letters of credit, beginning of period	$	40,855		$	40,651		$	53,563		$	50,978		$	50,934
Provision for (reduction in) unfunded loan commitments and letters of credit losses		3,368			204			(12,912	)		2,585			44
Allowance for unfunded loan commitments and letters of credit, end of period	$	44,223		$	40,855		$	40,651		$	53,563		$	50,978
Total allowance for credit losses, end of period	$	777,299		$	787,624		$	809,726		$	842,705		$	910,624
Allowance for loan and lease losses (ALLL) as % of:
Total loans and leases		1.76	%		1.81	%		1.89	%		1.96	%		2.15	%
Nonaccrual loans and leases (NALs)		202			196			189			177			181
Nonperforming assets (NPAs)		185			180			173			155			164
Total allowance for credit losses (ACL) as % of:
Total loans and leases		1.86	%		1.91	%		1.99	%		2.09	%		2.28	%
Nonaccrual loans and leases		214			207			199			189			192
Nonperforming assets		196			190			182			165			174

12

Huntington Bancshares Incorporated

Quarterly Net Charge-Off Analysis

(Unaudited)

	2013						2012
(dollar amounts in thousands)	Second			First			Fourth			Third			Second
Net charge-offs by loan and lease type:
Commercial:
Commercial and industrial	$	1,586		$	3,317		$	7,052		$	13,023		$	15,678
Commercial real estate:
Construction		1,079			(798	)		11,038			(280	)		(1,531	)
Commercial		1,305			13,575			10,333			17,654			30,709
Commercial real estate		2,384			12,777			21,371			17,374			29,178
Total commercial		3,970			16,094			28,423			30,397			44,856
Consumer:
Automobile		1,463			2,594			1,896			4,019			449
Home equity		14,654			19,983			25,013			46,592			21,045
Residential mortgage		8,620			6,148			9,687			16,880			10,786
Other consumer		6,083			6,868			5,111			7,207			7,109
Total consumer		30,820			35,593			41,707			74,698			39,389
Total net charge-offs	$	34,790		$	51,687		$	70,130		$	105,095		$	84,245
Net charge-offs—annualized percentages:
Commercial:
Commercial and industrial		0.04	%		0.08	%		0.17	%		0.32	%		0.39	%
Commercial real estate:
Construction		0.74			(0.53	)		7.67			(0.20	)		(1.05	)
Commercial		0.12			1.16			0.84			1.37			2.24
Commercial real estate		0.19			0.97			1.56			1.21			1.92
Total commercial		0.07			0.29			0.52			0.55			0.81
Consumer:
Automobile		0.11			0.21			0.17			0.40			0.04
Home equity		0.71			0.95			1.20			2.23			1.01
Residential mortgage		0.66			0.49			0.75			1.30			0.82
Other consumer		5.28			6.67			4.74			6.49			6.15
Total consumer		0.64			0.76			0.91			1.65			0.83
Net charge-offs as a % of average loans		0.34	%		0.51	%		0.69	%		1.05	%		0.82	%

13

Huntington Bancshares Incorporated

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

(Unaudited)

	2013						2012
(dollar amounts in thousands)	June 30,			March 31,			December 31,			September 30,			June 30,
Nonaccrual loans and leases (NALs):
Commercial and industrial	$	80,037		$	80,928		$	90,705		$	109,452		$	133,678
Commercial real estate		93,643			110,803			127,128			148,986			219,417
Automobile		7,743			6,770			7,823			11,814			—
Residential mortgage		122,040			118,405			122,452			123,140			75,048
Home equity		60,083			63,405			59,525			51,654			46,023
Total nonaccrual loans and leases		363,546			380,311			407,633			445,046			474,166
Other real estate, net:
Residential		17,353			19,538			21,378			23,640			21,499
Commercial		3,713			5,601			6,719			30,566			17,109
Total other real estate, net		21,066			25,139			28,097			54,206			38,608
Other NPAs (1)		12,087			10,045			10,045			10,476			10,476
Total nonperforming assets(4)	$	396,699		$	415,495		$	445,775		$	509,728		$	523,250
Nonaccrual loans and leases as a % of total loans and leases		0.87	%		0.92	%		1.00	%		1.11	%		1.19	%
NPA ratio(2)		0.95			1.01			1.09			1.26			1.31
(NPA+90days)/(Loan+OREO)(3)		1.38			1.48			1.59			1.75			1.76
	2013						2012
	Second			First			Fourth			Third			Second
Nonperforming assets, beginning of period	$	415,495		$	445,775		$	509,728		$	523,250		$	527,077
New nonperforming assets(4)		101,840			115,061			175,083			210,995			221,010
Returns to accruing status		(18,915	)		(19,537	)		(23,553	)		(45,729	)		(39,376	)
Loan and lease losses		(40,546	)		(51,019	)		(82,759	)		(78,308	)		(74,546	)
OREO (losses) gains		1,874			840			283			73			(459	)
Payments		(54,242	)		(64,045	)		(81,940	)		(90,535	)		(63,530	)
Sales		(8,807	)		(11,580	)		(51,067	)		(10,018	)		(46,926	)
Nonperforming assets, end of period	$	396,699		$	415,495		$	445,775		$	509,728		$	523,250

⁽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.

⁽⁴⁾  Includes $59.6 million at June 30, 2013; $59.9 million at March 31, 2013; $60.1 million at December 31, 2012; $63.0 million at September 30, 2012; related to Chapter 7 bankruptcy loans.

14

Huntington Bancshares Incorporated

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

(Unaudited)

	2013						2012
(dollar amounts in thousands)	June 30,			March 31,			December 31,			September 30,			June 30,
Accruing loans and leases past due 90 days or more:
Commercial and industrial	$	24,851		$	26,547		$	26,648		$	26,117		$	19,258
Commercial real estate		45,051			56,007			56,660			45,131			38,125
Automobile		3,392			3,531			4,418			3,857			3,338
Residential mortgage (excluding loans guaranteed by the U.S. Government)		5,217			6,187			2,718			10,687			15,457
Home equity		14,245			15,044			18,200			21,343			18,176
Other consumer		1,367			1,107			1,672			1,084			1,201
Total, excl. loans guaranteed by the U.S. Government		94,123			108,423			110,316			108,219			95,555
Add: loans guaranteed by U.S. Government		87,135			88,596			90,816			87,463			85,678
Total accruing loans and leases past due 90 days or more, including loans guaranteed by the U.S. Government	$	181,258		$	197,019		$	201,132		$	195,682		$	181,233
Ratios:
Excluding loans guaranteed by the U.S. Government, as a percent of total loans and leases		0.23	%		0.26	%		0.27	%		0.27	%		0.24	%
Guaranteed by U.S. Government, as a percent of total loans and leases		0.21			0.21			0.22			0.22			0.21
Including loans guaranteed by the U.S. Government, as a percent of total loans and leases		0.43			0.48			0.49			0.49			0.45
Accruing troubled debt restructured loans:
Commercial and industrial	$	94,583		$	90,642		$	76,586		$	55,809		$	57,008
Commercial real estate		184,372			192,167			208,901			222,155			202,190
Automobile		32,768			34,379			35,784			33,719			34,460
Home equity (1)		135,759			162,087			110,581			92,763			66,997
Residential mortgage		293,933			288,041			290,011			280,890			298,967
Other consumer		3,383			2,514			2,544			2,644			3,038
Total accruing troubled debt restructured loans	$	744,798		$	769,830		$	724,407		$	687,980		$	662,660
Nonaccruing troubled debt restructured loans:
Commercial and industrial	$	14,541		$	14,970		$	19,268		$	28,859		$	35,535
Commercial real estate		26,118			26,588			32,548			20,284			55,022
Automobile		7,743			6,770			7,823			11,814			—
Home equity		10,227			11,235			6,951			7,756			374
Residential mortgage		80,563			84,317			84,515			83,163			28,332
Other consumer		—			—			113			113			113
Total nonaccruing troubled debt restructured loans	$	139,192		$	143,880		$	151,218		$	151,989		$	119,376

(1) The 2013 second quarter includes a $43.1 million reduction of home equity TDRs incorrectly reflected as new TDRs in the 2013 first quarter.

15

Huntington Bancshares Incorporated

Quarterly Common Stock Summary, Capital, and Other Data

(Unaudited)

Quarterly common stock summary

	2013						2012
(dollar amounts in thousands, except per share amounts)	Second			First			Fourth			Third			Second
Common stock price, per share
High(1)	$	7.960		$	7.550		$	7.200		$	7.200		$	6.770
Low(1)		6.820			6.480			5.900			6.160			5.840
Close		7.870			7.370			6.390			6.895			6.400
Average closing price		7.457			7.073			6.416			6.561			6.367
Dividends, per share
Cash dividends declared per common share	$	0.05		$	0.04		$	0.04		$	0.04		$	0.04
Common shares outstanding
Average—basic		834,730			841,103			847,220			857,871			862,261
Average—diluted		843,840			848,708			853,306			863,588			867,551
Ending		829,675			838,758			842,813			855,485			858,401
Book value per common share	$	6.51		$	6.53		$	6.41		$	6.34		$	6.13
Tangible book value per common share(2)		5.88			5.91			5.78			5.71			5.49
Common share repurchases
Number of shares repurchased		9,996			4,738			13,160			3,742			6,426
	2013						2012
(dollar amounts in millions)	June 30,			March 31,			December 31,			September 30,			June 30,
Calculation of tangible equity / asset ratio:
Total shareholders’ equity	$	5,784		$	5,867		$	5,790		$	5,808		$	5,649
Less: goodwill		(444	)		(444	)		(444	)		(444	)		(444	)
Less: other intangible assets		(114	)		(124	)		(132	)		(144	)		(159	)
Add: related deferred tax liability(2)		40			43			46			50			56
Total tangible equity		5,266			5,342			5,260			5,270			5,102
Less: preferred equity		(386	)		(386	)		(386	)		(386	)		(386	)
Total tangible common equity	$	4,880		$	4,956		$	4,874		$	4,884		$	4,716
Total assets	$	56,114		$	56,055		$	56,153		$	56,443		$	56,623
Less: goodwill		(444	)		(444	)		(444	)		(444	)		(444	)
Less: other intangible assets		(114	)		(124	)		(132	)		(144	)		(159	)
Add: related deferred tax liability(2)		40			43			46			50			56
Total tangible assets	$	55,596		$	55,530		$	55,623		$	55,905		$	56,076
Tangible equity / tangible asset ratio		9.47	%		9.62	%		9.46	%		9.43	%		9.10	%
Tangible common equity / tangible asset ratio		8.78			8.92			8.76			8.74			8.41
Tier 1 common risk-based capital ratio:(4)
Tier 1 capital	$	5,882		$	5,829		$	5,741		$	5,720		$	5,714
Shareholders’ preferred equity		(386	)		(386	)		(386	)		(386	)		(386	)
Trust preferred securities		(299	)		(299	)		(299	)		(335	)		(449	)
REIT preferred stock		(50	)		(50	)		(50	)		(50	)		(50	)
Tier 1 common	$	5,147		$	5,094		$	5,006		$	4,949		$	4,829
Total risk-weighted assets(4)	$	48,077		$	47,937		$	47,773		$	48,147		$	47,890
Tier 1 common risk-based capital ratio(4)		10.71	%		10.62	%		10.48	%		10.28	%		10.08	%
Other capital data:
Tier 1 leverage ratio(4)		10.64			10.57			10.36			10.29			10.34
Tier 1 risk-based capital ratio(4)		12.24			12.16			12.02			11.88			11.93
Total risk-based capital ratio(4)		14.57			14.55			14.50			14.37			14.42
Tangible common equity / risk-weighted assets ratio(4)		10.15			10.34			10.20			10.14			9.85
Other data:
Number of employees (full-time equivalent)		12,155			12,052			11,806			11,731			11,417
Number of domestic full-service branches(3)		727			717			705			699			682

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

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

⁽³⁾  Includes WGH offices.

⁽⁴⁾  June 30, 2013, figures are estimated and are presented on a basel 1 basis.

16

Huntington Bancshares Incorporated

Consolidated Year To Date Average Balance Sheets

(Unaudited)

	YTD Average Balances
	Six Months Ended June 30,						Change
(dollar amounts in millions)	2013			2012			Amount			Percent
Assets
Interest bearing deposits in banks	$	78		$	112		$	(34	)		(30	)%
Federal funds sold and securities purchased under resale agreements		—			—			—			—
Loans held for sale		694			837			(143	)		(17	)
Securities:
Available-for-sale and other securities:
Taxable		6,845			8,228			(1,383	)		(17	)
Tax-exempt		570			396			174			44
Total available-for-sale and other securities		7,415			8,624			(1,209	)		(14	)
Trading account securities		85			52			33			63
Held-to-maturity securities—taxable		1,714			622			1,092			176
Total Securities		9,214			9,298			(84	)		(1	)
Loans and leases:(1)
Commercial:
Commercial and industrial		16,994			15,458			1,536			10
Commercial real estate:
Construction		592			591			1			—
Commercial		4,561			5,373			(812	)		(15	)
Commercial real estate		5,153			5,964			(811	)		(14	)
Total commercial		22,147			21,422			725			3
Consumer:
Automobile		5,058			4,781			277			6
Home equity		8,277			8,272			5			—
Residential mortgage		5,102			5,214			(112	)		(2	)
Other consumer		488			473			15			3
Total consumer		18,925			18,740			185			1
Total loans and leases		41,072			40,162			910			2
Allowance for loan and lease losses		(758	)		(934	)		176			(19	)
Net loans and leases		40,314			39,228			1,086			3
Total earning assets		51,058			50,409			649			1
Cash and due from banks		922			970			(48	)		(5	)
Intangible assets		567			611			(44	)		(7	)
All other assets		4,020			4,191			(171	)		(4	)
Total assets	$	55,809		$	55,247		$	562			1	%
Liabilities and shareholders’ equity
Deposits:
Demand deposits—noninterest-bearing	$	12,524		$	11,668		$	856			7	%
Demand deposits—interest-bearing		5,952			5,792			160			3
Total demand deposits		18,476			17,460			1,016			6
Money market deposits		15,057			13,162			1,895			14
Savings and other domestic deposits		5,099			4,898			201			4
Core certificates of deposit		5,060			6,564			(1,504	)		(23	)
Total core deposits		43,692			42,084			1,608			4
Other domestic deposits of $250,000 or more		342			323			19			6
Brokered deposits and negotiable CDs		1,738			1,361			377			28
Deposits in foreign offices		328			393			(65	)		(17	)
Total deposits		46,100			44,161			1,939			4
Short-term borrowings		732			1,451			(719	)		(50	)
Federal Home Loan Bank advances		722			523			199			38
Subordinated notes and other long-term debt		1,320			2,452			(1,132	)		(46	)
Total interest-bearing liabilities		36,350			36,919			(569	)		(2	)
All other liabilities		1,074			1,105			(31	)		(3	)
Shareholders’ equity		5,861			5,555			306			6
Total liabilities and shareholders’ equity	$	55,809		$	55,247		$	562			1	%

N.R.—Not relevant, as numerator of calculation is zero in the current period.

⁽¹⁾  Includes nonaccrual loans.

17

Huntington Bancshares Incorporated

Consolidated Year To Date Net Interest Margin Analysis—Interest Income / Expense (1)

(Unaudited)

	YTD Interest Income / Expense
	Six Months Ended June 30,
(dollar amounts in thousands)	2013		2012
Assets
Interest bearing deposits in banks	$	85	$	109
Federal funds sold and securities purchased under resale agreements		—		—
Loans held for sale		11,620		15,547
Securities:
Available-for-sale and other securities:
Taxable		78,724		97,069
Tax-exempt		11,267		8,308
Total available-for-sale and other securities		89,991		105,377
Trading account securities		233		429
Held-to-maturity securities—taxable		19,616		9,252
Total Securities		109,840		115,058
Loans and leases:
Commercial:
Commercial and industrial		323,760		312,816
Commercial real estate:
Construction		11,874		11,229
Commercial		93,192		105,304
Commercial real estate		105,066		116,533
Total commercial		428,826		429,349
Consumer:
Automobile		103,173		113,406
Home equity		171,244		177,940
Residential mortgage		99,265		108,240
Other consumer		16,358		17,515
Total consumer		390,040		417,101
Total loans and leases		818,866		846,450
Total earning assets	$	940,411	$	977,164
Liabilities
Deposits:
Demand deposits—noninterest-bearing	$	—	$	—
Demand deposits—interest-bearing		1,258		1,832
Total demand deposits		1,258		1,832
Money market deposits		17,323		18,297
Savings and other domestic deposits		7,234		10,204
Core certificates of deposit		29,120		48,601
Total core deposits		54,935		78,934
Other domestic deposits of $250,000 or more		871		1,076
Brokered deposits and negotiable CDs		5,569		5,198
Deposits in foreign offices		250		363
Total deposits		61,625		85,571
Short-term borrowings		413		1,141
Federal Home Loan Bank advances		574		555
Subordinated notes and other long-term debt		16,182		34,044
Total interest-bearing liabilities		78,794		121,311
Net interest income	$	861,617	$	855,853

⁽¹⁾  Fully-taxable equivalent (FTE) income and expense calculated assuming a 35% tax rate. See page 20 for the FTE adjustment.

18

Huntington Bancshares Incorporated

Consolidated Year To Date Net Interest Margin Analysis

(Unaudited)

	YTD Average Rates (2)
	Six Months Ended June 30,
Fully-taxable equivalent basis(1)	2013			2012
Assets
Interest bearing deposits in banks		0.22	%		0.19	%
Federal funds sold and securities purchased under resale agreements		—			—
Loans held for sale		3.35			3.71
Securities:
Available-for-sale and other securities:
Taxable		2.30			2.36
Tax-exempt		3.95			4.20
Total available-for-sale and other securities		2.43			2.44
Trading account securities		0.55			1.65
Held-to-maturity securities—taxable		2.29			2.98
Total Securities		2.38			2.47
Loans and leases:(3)
Commercial:
Commercial and industrial		3.79			4.00
Commercial real estate:
Construction		3.99			3.76
Commercial		4.06			3.88
Commercial real estate		4.06			3.87
Total commercial		3.85			3.96
Consumer:
Automobile		4.11			4.77
Home equity		4.17			4.30
Residential mortgage		3.89			4.15
Other consumer		6.76			7.44
Total consumer		4.15			4.46
Total loans and leases		3.99			4.20
Total earning assets		3.71	%		3.90	%
Liabilities
Deposits:
Demand deposits—noninterest-bearing		—	%		—	%
Demand deposits—interest-bearing		0.04			0.06
Total demand deposit		0.01			0.02
Money market deposits		0.23			0.28
Savings and other domestic deposits		0.29			0.42
Core certificates of deposit		1.16			1.49
Total core deposits		0.36			0.52
Other domestic deposits of $250,000 or more		0.51			0.67
Brokered deposits and negotiable CDs		0.65			0.77
Deposits in foreign offices		0.15			0.19
Total deposits		0.37			0.53
Short-term borrowings		0.11			0.16
Federal Home Loan Bank advances		0.16			0.21
Subordinated notes and other long-term debt		2.45			2.78
Total interest bearing liabilities		0.44			0.66
Net interest rate spread		3.28			3.24
Impact of noninterest-bearing funds on margin		0.12			0.17
Net interest margin		3.40	%		3.41	%

Commercial Loan Derivative Impact

(Unaudited)

	YTD Average Rates
	Six Months Ended June 30,
Fully-taxable equivalent basis(1)	2013			2012
Commercial loans(2)(3)		3.57	%		3.68	%
Impact of commercial loan derivatives		0.28			0.29
Total commercial—as reported		3.85	%		3.96	%
Average 30 day LIBOR		0.20	%		0.24	%

⁽¹⁾  Fully-taxable equivalent (FTE) yields are calculated assuming a 35% tax rate. See page 20 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 nonaccrual loans.

19

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)	2013			2012			Amount			Percent
Interest income	$	927,901		$	967,481		$	(4,069	)		—	%
Interest expense		78,794			121,310			(42,516	)		(35	)
Net interest income		849,107			846,171			2,936			—
Provision for credit losses		54,314			70,926			(16,612	)		(23	)
Net interest income after provision for credit losses		794,793			775,245			19,548			3
Service charges on deposit accounts		128,892			126,290			2,602			2
Mortgage banking income		78,907			84,767			(5,860	)		(7	)
Trust services		61,826			60,820			1,006			2
Electronic banking		44,058			39,144			4,914			13
Brokerage income		37,541			38,285			(744	)		(2	)
Insurance income		36,439			36,259			180			—
Gain on sale of loans		5,964			30,901			(24,937	)		(81	)
Bank owned life insurance income		28,863			27,904			959			3
Capital markets fees		20,063			23,056			(2,993	)		(13	)
Securities gains (losses)		(919	)		(263	)		(656	)		249
Other income		59,230			71,976			(12,746	)		(18	)
Total noninterest income		500,864			539,139			(38,275	)		(7	)
Personnel costs		522,757			486,532			36,225			7
Outside data processing and other services		99,163			91,160			8,003			9
Net occupancy		57,770			54,553			3,217			6
Equipment		49,827			50,417			(590	)		(1	)
Deposit and other insurance expense		28,950			36,469			(7,519	)		(21	)
Professional services		16,533			25,734			(9,201	)		(36	)
Marketing		25,210			30,965			(5,755	)		(19	)
Amortization of intangibles		20,682			23,471			(2,789	)		(12	)
OREO and foreclosure expense		2,395			9,056			(6,661	)		(74	)
Gain on early extinguishment of debt		—			(2,580	)		2,580			(100	)
Other expense		65,371			101,168			(35,797	)		(35	)
Total noninterest expense		888,658			906,945			(18,287	)		(2	)
Income before income taxes		406,999			407,439			(440	)		—
Provision for income taxes		104,568			101,463			3,105			3
Net income	$	302,431		$	305,976		$	(3,545	)		(1	)%
Dividends on preferred shares		15,937			16,033			(96	)		(1	)
Net income applicable to common shares	$	286,494		$	289,943		$	(3,449	)		(1	)%
Average common shares—basic		837,917			863,380			(25,463	)		(3	)%
Average common shares—diluted		846,274			868,357			(22,083	)		(3	)
Per common share
Net income—basic	$	0.34		$	0.34		$	—			—
Net income—diluted		0.34			0.33			0.01			3
Cash dividends declared		0.09			0.08			0.01			13
Revenue—fully taxable equivalent (FTE)
Net interest income	$	849,107		$	846,171		$	2,936			—
FTE adjustment(2)		12,510			9,682			2,828			29
Net interest income		861,617			855,853			5,764			1
Noninterest income		500,864			539,139			(38,275	)		(7	)
Total revenue	$	1,362,481		$	1,394,992		$	(32,511	)		(2	)%

⁽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.

20

Huntington Bancshares Incorporated

Year To Date Mortgage Banking Income

(Unaudited)

	Six Months Ended June 30,						Change
(dollar amounts in thousands, except as noted)	2013			2012			Amount			Percent
Mortgage banking income
Origination and secondary marketing	$	55,246		$	61,488		$	(6,242	)		(10	)%
Servicing fees		22,139			23,378			(1,239	)		(5	)
Amortization of capitalized servicing		(15,901	)		(18,387	)		2,486			(14	)
Other mortgage banking income		9,125			9,780			(655	)		(7	)
Subtotal		70,609			76,259			(5,650	)		(7	)
MSR valuation adjustment(1)		31,925			(9,106	)		41,031			(451	)
Net trading gains (losses) related to MSR hedging		(23,627	)		17,614			(41,241	)		(234	)
Total mortgage banking income	$	78,907		$	84,767		$	(5,860	)		(7	)%
Mortgage originations (in millions)	$	2,401		$	2,448		$	(47	)		(2	)%
Average trading account securities used to hedge MSRs (in millions)		—			5			(5	)		(100	)
Capitalized mortgage servicing rights(2)		155,522			128,297			27,225			21
Total mortgages serviced for others (in millions)(2)		15,213			15,724			(511	)		(3	)
MSR % of investor servicing portfolio		1.02	%		0.82	%		0.20	%		24
Net impact of MSR hedging
MSR valuation adjustment(1)	$	31,925		$	(9,106	)	$	41,031			(451	)%
Net trading gains (losses) related to MSR hedging		(23,627	)		17,614			(41,241	)		(234	)
Net interest income related to MSR hedging		—			(30	)		30			(100	)
Net gain (loss) on MSR hedging	$	8,298		$	8,478		$	(180	)		(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.

21

Huntington Bancshares Incorporated

Year To Date Credit Reserves Analysis

(Unaudited)

	Six Months Ended June 30,
(dollar amounts in thousands)	2013			2012
Allowance for loan and lease losses, beginning of period	$	769,075		$	964,828
Loan and lease losses		(147,380	)		(216,052	)
Recoveries of loans previously charged off		60,903			48,815
Net loan and lease losses		(86,477	)		(167,237	)
Provision for loan and lease losses		50,742			68,404
Economic reserve transfer		—			—
Allowance of assets sold or transferred to loans held for sale		(264	)		(6,349	)
Allowance for loan and lease losses, end of period	$	733,076		$	859,646
Allowance for unfunded loan commitments and letters of credit, beginning of period	$	40,651		$	48,456
Provision for (reduction in) unfunded loan commitments and letters of credit losses		3,572			2,522
Economic reserve transfer		—			—
Allowance for unfunded loan commitments and letters of credit, end of period	$	44,223		$	50,978
Total allowance for credit losses	$	777,299		$	910,624
Allowance for loan and lease losses (ALLL) as % of:
Total loans and leases		1.76	%		2.15	%
Nonaccrual loans and leases (NALs)		202			181
Nonperforming assets (NPAs)		185			164
Total allowance for credit losses (ACL) as % of:
Total loans and leases		1.86	%		2.28	%
Nonaccrual loans and leases (NALs)		214			192
Nonperforming assets (NPAs)		196			174

22

Huntington Bancshares Incorporated

Year To Date Net Charge-Off Analysis

(Unaudited)

	Six Months Ended June 30,
(dollar amounts in thousands)	2013			2012
Net charge-offs by loan and lease type:
Commercial:
Commercial and industrial	$	4,903		$	44,173
Commercial real estate:
Construction		281			(2,717	)
Commercial		14,880			42,401
Commercial real estate		15,161			39,684
Total commercial		20,064			83,857
Consumer:
Automobile		4,057			3,527
Home equity		34,637			44,774
Residential mortgage		14,768			21,356
Other consumer		12,951			13,723
Total consumer		66,413			83,380
Total net charge-offs	$	86,477		$	167,237
Net charge-offs—annualized percentages:
Commercial:
Commercial and industrial		0.06	%		0.57	%
Commercial real estate:
Construction		0.09			(0.92	)
Commercial		0.65			1.58
Commercial real estate		0.59			1.33
Total commercial		0.18			0.78
Consumer:
Automobile		0.16			0.15
Home equity		0.84			1.08
Residential mortgage		0.58			0.82
Other consumer		5.31			5.80
Total consumer		0.70			0.89
Net charge-offs as a % of average loans		0.42	%		0.83	%

23

Huntington Bancshares Incorporated

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

(Unaudited)

	June 30,
(dollar amounts in thousands)	2013			2012
Nonaccrual loans and leases (NALs):
Commercial and industrial	$	80,037		$	133,678
Commercial real estate		93,643			219,417
Automobile		7,743			—
Residential mortgage		122,040			75,048
Home equity		60,083			46,023
Total nonaccrual loans and leases		363,546			474,166
Other real estate, net:
Residential		17,353			21,499
Commercial		3,713			17,109
Total other real estate, net		21,066			38,608
Impaired loans held for sale		—			—
Other NPAs (1)		12,087			10,476
Total nonperforming assets (3)	$	396,699		$	523,250
Nonaccrual loans and leases as a % of total loans and leases		0.87	%		1.19	%
NPA ratio (2)		0.95			1.31
	Six Months Ended June 30,
(dollar amounts in thousands)	2013			2012
Nonperforming assets, beginning of period	$	445,775		$	590,276
New nonperforming assets		216,901			355,646
Franklin impact, net		—			—
Returns to accruing status		(38,452	)		(71,432	)
Loan and lease losses		(91,565	)		(149,912	)
OREO losses (gains)		2,714			(754	)
Payments		(118,287	)		(130,139	)
Sales		(20,387	)		(70,435	)
Nonperforming assets, end of period	$	396,699		$	523,250

(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.

(3) Includes $59.6 million related to Chapter 7 bankruptcy loans in 2013.

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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)	2013			2012
Accruing loans and leases past due 90 days or more:
Commercial and industrial	$	24,851		$	19,258
Commercial real estate		45,051			38,125
Automobile		3,392			3,338
Residential mortgage (excluding loans guaranteed by the U.S. Government)		5,217			15,457
Home equity		14,245			18,176
Other consumer		1,367			1,201
Total, excl. loans guaranteed by the U.S. Government		94,123			95,555
Add: loans guaranteed by U.S. Government		87,135			85,678
Total accruing loans and leases past due 90 days or more, including loans guaranteed by the U.S. Government	$	181,258		$	181,233
Ratios:
Excluding loans guaranteed by the U.S. Government, as a percent of total loans and leases		0.23	%		0.24	%
Guaranteed by U.S. Government, as a percent of total loans and leases		0.21			0.21
Including loans guaranteed by the U.S. Government, as a percent of total loans and leases		0.43			0.45
Accruing troubled debt restructured loans:
Commercial and industrial	$	94,583		$	57,008
Commercial real estate		184,372			202,190
Automobile		32,768			34,460
Home equity		135,759			66,997
Residential mortgage		293,933			298,967
Other consumer		3,383			3,038
Total accruing troubled debt restructured loans	$	744,798		$	662,660
Nonaccruing troubled debt restructured loans:
Commercial and industrial	$	14,541		$	35,535
Commercial real estate		26,118			55,022
Automobile		7,743			—
Home equity		10,227			374
Residential mortgage		80,563			28,332
Other consumer		—			113
Total nonaccruing troubled debt restructured loans	$	139,192		$	119,376

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