Item 2.02. Results of Operations and Financial Condition.




On July 23, 2020, Huntington Bancshares Incorporated ("Huntington") issued a
news release announcing its earnings for the quarter ended June 30, 2020. Also
on July 23, 2020, Huntington made a Quarterly Financial Supplement available in
the Investor Relations section of Huntington's website. Copies of Huntington's
news release and quarterly financial supplement are attached hereto as Exhibit
99.1 and Exhibit 99.2, respectively, and are incorporated by reference in this
Item 2.02.
Huntington's senior management will host an earnings conference call on July 23,
2020, at 9:00 a.m. (Eastern Time). The call may be accessed via a live Internet
webcast at the Investor Relations section of Huntington's website,
www.huntington.com, or through a dial-in telephone number at (877) 407-8029;
Conference ID 13704964. Slides will be available in the Investor Relations
section of Huntington's website about an hour prior to the call. A replay of the
webcast will be archived in the Investor Relations section of Huntington's
website. A telephone replay will be available approximately two hours after the
completion of the call through July 31, 2020 at (877) 660-6853 or (201) 612-7415
conference ID 13704964.
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: changes in general economic, political, or industry conditions; the
magnitude and duration of the COVID-19 pandemic and its impact on the global
economy and financial market conditions and our business, results of operations,
and financial condition; uncertainty in U.S. fiscal and monetary policy,
including the interest rate policies of the Federal Reserve Board; volatility
and disruptions in global capital and credit markets; movements in interest
rates; reform of LIBOR; competitive pressures on product pricing and services;
success, impact, and timing of our business strategies, including market
acceptance of any new products or services including those implementing our
"Fair Play" banking philosophy; 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, FDIC, and CFPB; and other
factors that may affect our future results. Additional factors that could cause
results to differ materially from those described above can be found in our 2019
Annual Report on Form 10-K, and our Quarterly Report on Form 10-Q for the
quarter ended March 31, 2020, as well as our subsequent Securities and Exchange
Commission ("SEC") filings, which are on file with the SEC and available in the
"Investor Relations" section of our website, http://www.huntington.com, under
the heading "Publications and Filings."
All forward-looking statements speak only as of the date they are made and are
based on information available at that time. We do not assume any obligation to
update forward-looking statements to reflect circumstances or events that occur
after the date the forward-looking statements were made or to reflect the
occurrence of unanticipated events except as required by federal securities
laws. As forward-looking statements involve significant risks and uncertainties,
caution should be exercised against placing undue reliance on such statements.
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 23, 2020. Exhibit 99.2 - Quarterly Financial Supplement, June 2020.

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