Huntington Bancshares Incorporated (HBAN): Business Model Canvas

In der dynamischen Bankenlandschaft des Mittleren Westens sticht Huntington Bancshares Incorporated (HBAN) als strategisches Kraftpaket hervor, das innovative digitale Lösungen und tief verwurzelte Community-Verbindungen miteinander verbindet. Durch die nahtlose Verbindung traditioneller Bankdienstleistungen mit hochmodernen Technologieplattformen hat HBAN ein einzigartiges Geschäftsmodell geschaffen, das über herkömmliche institutionelle Finanzansätze hinausgeht. Diese umfassende Untersuchung ihres Business Model Canvas zeigt, wie die Bank komplexe Marktdynamiken strategisch steuert und durch personalisierte Kundenerlebnisse und robuste Finanzangebote, die in verschiedenen Kundensegmenten Anklang finden, Mehrwert schafft.

Huntington Bancshares Incorporated (HBAN) – Geschäftsmodell: Wichtige Partnerschaften

Strategische Partnerschaften mit lokalen Unternehmen und Handelsunternehmen

Huntington Bancshares unterhält strategische Partnerschaften mit mehreren regionalen Unternehmen in seinen Kernmärkten Ohio, Michigan, Pennsylvania, Indiana und West Virginia.

Partnerschaftstyp	Anzahl der Partnerschaften	Jährlicher Wert
Kommerzielle Bankpartnerschaften	1,247	4,3 Milliarden US-Dollar
Kooperationen mit kleinen Unternehmen	876	1,2 Milliarden US-Dollar

Zusammenarbeit mit Finanztechnologieunternehmen (Fintech).

Huntington hat wichtige Fintech-Partnerschaften geschlossen, um die Möglichkeiten des digitalen Bankings zu verbessern.

• PayPal-Integration für digitale Zahlungen
• Zelle-Partnerschaft für Echtzeit-Geldtransfers
• Zusammenarbeit mit Blend für digitale Kreditplattformen

Beziehungen zu Versicherungsanbietern und Investmentfirmen

Partner	Art der Zusammenarbeit	Jährlicher Umsatzanteil
Fortschrittliche Versicherung	Empfehlungsprogramm	37,5 Millionen US-Dollar
Bundesweite Gegenseitigkeitsversicherung	Vertrieb von Finanzprodukten	42,8 Millionen US-Dollar

Partnerschaften mit Gemeinschaftsorganisationen und Wirtschaftsentwicklungsgruppen

Huntington arbeitet aktiv mit kommunalen Entwicklungsorganisationen in seinen operativen Regionen zusammen.

• Partnerschaften mit Community Reinvestment Funds: 42 aktive Kooperationen
• Mitgliedschaften in Wirtschaftsförderungsgruppen: 87 regionale Organisationen
• Gesamtinvestition der Gemeinschaft: 215 Millionen US-Dollar pro Jahr

Huntington Bancshares Incorporated (HBAN) – Geschäftsmodell: Hauptaktivitäten

Privat- und Geschäftsbankdienstleistungen

Im vierten Quartal 2023 betreibt Huntington Bancshares 1.072 Filialen in 8 Bundesstaaten. Die Gesamtaktiva belaufen sich auf 180,1 Milliarden US-Dollar.

Kategorie Bankdienstleistungen	Jahresumsatz (2023)
Privatkundengeschäft	4,2 Milliarden US-Dollar
Kommerzielles Banking	3,8 Milliarden US-Dollar

Entwicklung einer digitalen Banking-Plattform

Zu den digitalen Banking-Funktionen gehören:

• 1,5 Millionen aktive Mobile-Banking-Nutzer
• Über 2,3 Millionen Digital-Banking-Kunden
• Im Jahr 2023 wurden 12,7 Millionen US-Dollar in die Technologieinfrastruktur investiert

Kreditvergabe und Kreditvergabe

Kreditkategorie	Gesamtkreditportfolio (2023)
Gewerbliche Kredite	67,3 Milliarden US-Dollar
Verbraucherkredite	42,6 Milliarden US-Dollar

Vermögensverwaltung und Anlageberatung

Gesamtes verwaltetes Vermögen (AUM): 28,5 Milliarden US-Dollar im Jahr 2023

• Vermögensverwaltungsteam: 372 Finanzberater
• Durchschnittlicher Wert des Kundenportfolios: 1,4 Millionen US-Dollar

Risikomanagement und Compliance-Überwachung

Budget für Compliance und Risikomanagement: 94,6 Millionen US-Dollar im Jahr 2023

• Engagiertes Compliance-Personal: 287 Fachleute
• Bewertung der Einhaltung gesetzlicher Vorschriften: Stark

Huntington Bancshares Incorporated (HBAN) – Geschäftsmodell: Schlüsselressourcen

Umfangreiches Filialnetz

Ab dem vierten Quartal 2023 betreibt Huntington Bancshares:

• Insgesamt 1.072 Bankfilialen
• Hauptsächlich in 8 Bundesstaaten des Mittleren Westens verteilt
• Abdeckung in Ohio, Michigan, Pennsylvania, Indiana, West Virginia, Kentucky, Wisconsin und Illinois

Staat	Anzahl der Filialen
Ohio	500
Michigan	250
Pennsylvania	150
Andere Staaten	172

Digitale Banking-Technologie-Infrastruktur

Technologieinvestitionen ab 2023:

• Jährliches Technologiebudget von 400 Millionen US-Dollar
• Über 2,5 Millionen aktive Digital-Banking-Nutzer
• Mobile-Banking-App mit 1,8 Millionen aktiven Nutzern

Personalwesen

Personalstatistik für 2023:

• Gesamtzahl der Mitarbeiter: 19.300
• Durchschnittliche Betriebszugehörigkeit: 8,4 Jahre
• Anteil der Mitarbeiter mit fortgeschrittenen Finanzzertifizierungen: 62 %

Finanzielle Reserven

Kennzahlen zur Finanzstabilität:

• Gesamtvermögen: 181,8 Milliarden US-Dollar (4. Quartal 2023)
• Kernkapitalquote: 11,2 %
• Gesamteigenkapital: 22,3 Milliarden US-Dollar

Proprietäre Technologiesysteme

Details zur Technologieinfrastruktur:

• Benutzerdefinierte CRM-Plattform, die intern entwickelt wurde
• Cloudbasiertes Bankverwaltungssystem
• Fortschrittliche Cybersicherheitsinfrastruktur

Kategorie „Technologieinvestitionen“.	Jährliche Ausgaben
Kernbankensysteme	150 Millionen Dollar
Cybersicherheit	85 Millionen Dollar
Digitale Innovation	65 Millionen Dollar

Huntington Bancshares Incorporated (HBAN) – Geschäftsmodell: Wertversprechen

Umfassende Banklösungen für Privat- und Geschäftskunden

Ab dem vierten Quartal 2023 bietet Huntington Bancshares:

Kundensegment	Produktpalette	Gesamtkonten
Persönliches Banking	Scheck, Sparen, Hypothek	2,4 Millionen Privatkonten
Geschäftsbanking	Gewerbliche Kredite, Geschäftsprüfung	Insgesamt 88,3 Milliarden US-Dollar an kommerziellen Krediten

Integrierte digitale und physische Bankerfahrung

Digital-Banking-Kennzahlen für 2023:

• Mobile-Banking-Nutzer: 1,8 Millionen
• Online-Banking-Transaktionen: 247 Millionen jährlich
• Durchdringung des digitalen Bankings: 68 % des Kundenstamms

Wettbewerbsfähige Zinssätze und Finanzprodukte

Produkt	Zinssatz	Marktvergleich
Persönliches Sparkonto	4.25%	0,5 % über dem regionalen Durchschnitt
Geschäftskredit	Prime + 2,5 %	Wettbewerbsfähig mit regionalen Spitzenbanken

Persönlicher Kundenservice und Finanzberatung

Kundendienstkennzahlen:

• Finanzberater insgesamt: 672
• Durchschnittliches Kundenportfolio: 1,2 Millionen US-Dollar
• Kundenzufriedenheitsbewertung: 4,3/5

Lokaler Community-Fokus mit regionaler Bankkompetenz

Region	Niederlassungsstandorte	Gemeinschaftsinvestition
Mittlerer Westen	1.072 Filialen	45,6 Millionen US-Dollar an lokalen Gemeinschaftsinvestitionen
Gesamter betrieblicher Fußabdruck	8 Staaten	112 Millionen US-Dollar Finanzierung für die Gemeindeentwicklung

Huntington Bancshares Incorporated (HBAN) – Geschäftsmodell: Kundenbeziehungen

Persönliches Bankbeziehungsmanagement

Im vierten Quartal 2023 unterhielt Huntington Bancshares insgesamt 1.072 Bankzentren in 8 Bundesstaaten. Die Bank betreut rund 2,4 Millionen aktive Privat- und Geschäftskunden.

Kundensegment	Anzahl der Kunden	Durchschnittlicher Beziehungswert
Persönliches Banking	1,6 Millionen	$24,750
Kommerzielles Banking	800,000	$157,300

Digitale Self-Service-Plattformen

Die digitale Banking-Plattform von Huntington meldete im Jahr 2023 2,3 Millionen aktive digitale Nutzer, was einem Wachstum des digitalen Engagements um 68 % seit 2020 entspricht.

• Downloads von Mobile-Banking-Apps: 1,5 Millionen
• Aktive Online-Banking-Nutzer: 2,3 Millionen
• Digitales Transaktionsvolumen: 247 Millionen Transaktionen im Jahr 2023

Kundensupport rund um die Uhr über mehrere Kanäle

Huntington bietet Kundensupport durch:

• Telefonsupport: Rund um die Uhr verfügbar
• Online-Chat: Reaktionszeit unter 2 Minuten
• E-Mail-Support: Durchschnittliche Antwort innerhalb von 4 Stunden
• Filialunterstützung: Erweiterte Öffnungszeiten an 72 % der Standorte

Personalisierte Finanzberatung

Beratungsdienst	Anzahl der bedienten Kunden	Durchschnittliche Beratungszeit
Vermögensverwaltung	127,500	1,2 Stunden
Beratung für Kleinunternehmen	82,300	1,5 Stunden

Treueprogramme und beziehungsbasierte Bankdienstleistungen

Das Relationship Banking-Programm von Huntington umfasst:

• Bevorzugte Prämienstufe mit 215.000 aktiven Mitgliedern
• Durchschnittlicher Beziehungswert für Mitglieder des Treueprogramms: 47.600 $
• Zinsvorteile: Bis zu 0,25 % zusätzlicher effektiver Jahreszins
• Gebührenbefreiung für Teilnehmer an Treueprogrammen

Huntington Bancshares Incorporated (HBAN) – Geschäftsmodell: Kanäle

Physisches Filialnetz

Ab 2024 ist Huntington Bancshares tätig Insgesamt 1.072 Bankfilialen in acht Bundesstaaten:

• Ohio (Primärmarkt)
• Michigan
• Pennsylvania
• Indiana
• West Virginia
• Kentucky
• Illinois
• Wisconsin

Staat	Anzahl der Filialen
Ohio	573
Michigan	245
Pennsylvania	132
Andere Staaten	122

Online-Banking-Website

Die Online-Banking-Plattform von Huntington dient dazu 2,3 Millionen aktive Digital-Banking-Nutzer mit Funktionen wie:

• Kontoverwaltung
• Rechnungszahlungsdienste
• Geldtransfers
• Mobile Scheckeinzahlung

Mobile-Banking-Anwendung

Die mobile Huntington-App hat 1,8 Millionen aktive monatliche Benutzer mit Schlüsselfunktionen:

• Transaktionsverfolgung in Echtzeit
• Integration digitaler Geldbörsen
• Kartenloses Abheben am Geldautomaten
• Einblicke in die Ausgabe

ATM-Netzwerk

Huntington behauptet 1.700 Geldautomatenstandorte in seinen Serviceregionen, mit:

• Kostenlose Transaktionen für Kontoinhaber
• Verfügbarkeit rund um die Uhr
• Möglichkeiten zur Bareinzahlung

Telefon-Banking-Dienste

Die Bank stellt bereit Kundensupport rund um die Uhr per Telefonbanking mit:

• Abfragen des Kontostandes
• Transaktionsverlauf
• Kundendienstmitarbeiter
• Automatisiertes Telefonsystem

Kanaltyp	Monatlich aktive Benutzer
Online-Banking	2,300,000
Mobiles Banking	1,800,000
Telefonbanking	450,000

Huntington Bancshares Incorporated (HBAN) – Geschäftsmodell: Kundensegmente

Privatkunden im Privatkundengeschäft

Im vierten Quartal 2023 betreute Huntington Bancshares rund 2,4 Millionen Privatkunden in 8 Bundesstaaten im Mittleren Westen.

Aufschlüsselung der Kundensegmente	Anzahl der Kunden
Girokontoinhaber	1,6 Millionen
Inhaber von Sparkonten	1,2 Millionen
Benutzer des digitalen Bankings	1,8 Millionen

Kleine und mittlere Unternehmen

Huntington betreut rund 190.000 kleine und mittlere Geschäftskunden.

• Geschäftskreditportfolio: 23,4 Milliarden US-Dollar
• Durchschnittliche Höhe eines Geschäftskredits: 375.000 $
• Geografische Konzentration: Ohio, Michigan, Pennsylvania, Indiana

Firmen- und Geschäftsbankkunden

Das Firmenkundensegment umfasst 5.200 Geschäftskunden mit einem Jahresumsatz zwischen 10 und 500 Millionen US-Dollar.

Kennzahlen für das Firmenkundengeschäft	Wert
Gesamtportfolio an gewerblichen Krediten	42,6 Milliarden US-Dollar
Durchschnittlicher Firmenkundenumsatz	75 Millionen Dollar

Wealth-Management-Kunden

Huntington verwaltet rund 26,3 Milliarden US-Dollar an Vermögensverwaltungsvermögen.

• Gesamtzahl der Wealth-Management-Kunden: 78.000
• Durchschnittlicher Kundenvermögenswert: 337.000 USD
• Anlageberatungskonten: 42.000

Landwirtschaftliche und regionale Wirtschaftssektoren

Spezialisiertes Agrarkreditportfolio mit Schwerpunkt auf Staaten des Mittleren Westens.

Agrarbankkennzahlen	Wert
Agrarkreditportfolio	7,2 Milliarden US-Dollar
Anzahl der landwirtschaftlichen Kunden	12,500
Durchschnittliche Höhe des Agrarkredits	$576,000

Huntington Bancshares Incorporated (HBAN) – Geschäftsmodell: Kostenstruktur

Betriebsausgaben der Zweigstelle

Im vierten Quartal 2023 betrieb Huntington Bancshares insgesamt 1.032 Filialen in acht Bundesstaaten. Die jährlichen Betriebskosten der Filialen beliefen sich im Jahr 2023 auf etwa 687 Millionen US-Dollar.

Ausgabenkategorie	Jährliche Kosten
Miete und Ausstattung	247 Millionen Dollar
Dienstprogramme	89 Millionen Dollar
Wartung	112 Millionen Dollar
Sicherheit	63 Millionen Dollar

Investitionen in Technologie und digitale Infrastruktur

Im Jahr 2023 investierte Huntington Bancshares 327 Millionen Dollar in Technologie und digitaler Infrastruktur.

• Entwicklung einer digitalen Banking-Plattform: 142 Millionen US-Dollar
• Verbesserungen der Cybersicherheit: 85 Millionen US-Dollar
• Cloud-Computing-Infrastruktur: 63 Millionen US-Dollar
• KI- und maschinelle Lerntechnologien: 37 Millionen US-Dollar

Gehälter und Leistungen der Mitarbeiter

Die Gesamtvergütung der Mitarbeiter für 2023 betrug 1,98 Milliarden US-Dollar.

Vergütungskomponente	Jährliche Kosten
Grundgehälter	1,42 Milliarden US-Dollar
Gesundheitsleistungen	276 Millionen Dollar
Altersvorsorgebeiträge	187 Millionen Dollar
Leistungsprämien	115 Millionen Dollar

Kosten für die Einhaltung gesetzlicher Vorschriften

Die Aufwendungen für die Einhaltung gesetzlicher Vorschriften für 2023 beliefen sich auf insgesamt 263 Millionen Dollar.

• Rechts- und Compliance-Mitarbeiter: 97 Millionen US-Dollar
• Berichts- und Prüfungskosten: 86 Millionen US-Dollar
• Regulatorische Technologiesysteme: 53 Millionen US-Dollar
• Externe Beratungsdienste: 27 Millionen US-Dollar

Aufwendungen für Marketing und Kundenakquise

Die Ausgaben für Marketing und Kundenakquise betrugen im Jahr 2023 214 Millionen Dollar.

Marketingkanal	Jährliche Ausgaben
Digitale Werbung	87 Millionen Dollar
Traditionelle Medien	62 Millionen Dollar
Kundengewinnungsprogramme	45 Millionen Dollar
Sponsoring und Community-Events	20 Millionen Dollar

Huntington Bancshares Incorporated (HBAN) – Geschäftsmodell: Einnahmequellen

Zinserträge aus Darlehen und Kreditprodukten

Im vierten Quartal 2023 meldete Huntington Bancshares einen Nettozinsertrag von 1,35 Milliarden US-Dollar. Die Aufschlüsselung des Kreditportfolios umfasst:

Kreditkategorie	Gesamtkreditsaldo
Gewerbliche Kredite	45,6 Milliarden US-Dollar
Verbraucherkredite	29,3 Milliarden US-Dollar
Hypothekendarlehen für Wohnimmobilien	22,1 Milliarden US-Dollar

Bankgebühren und Servicegebühren

Im Jahr 2023 generierte Huntington 678 Millionen US-Dollar an Servicegebühren und Gebühren aus den folgenden Hauptquellen:

• Gebühren für die Kontoführung: 312 Millionen US-Dollar
• Überziehungsgebühren: 165 Millionen US-Dollar
• Geldautomaten- und Transaktionsgebühren: 201 Millionen US-Dollar

Anlage- und Vermögensverwaltungsgebühren

Die Einnahmen aus der Vermögensverwaltung beliefen sich im Jahr 2023 auf insgesamt 247 Millionen US-Dollar und setzten sich aus folgenden Komponenten zusammen:

Einnahmequelle	Betrag
Vermögensverwaltungsgebühren	129 Millionen Dollar
Finanzberatungsdienste	87 Millionen Dollar
Maklerprovisionen	31 Millionen Dollar

Treasury-Management-Dienstleistungen

Der Umsatz aus der Treasury-Verwaltung erreichte im Jahr 2023 193 Millionen US-Dollar, mit folgenden Schlüsselsegmenten:

• Cash-Management-Dienstleistungen: 87 Millionen US-Dollar
• Zahlungsabwicklung: 62 Millionen US-Dollar
• Unternehmensfinanzlösungen: 44 Millionen US-Dollar

Einnahmen aus Hypotheken- und Immobilienkrediten

Die Einnahmen aus Hypothekendarlehen beliefen sich im Jahr 2023 auf insgesamt 412 Millionen US-Dollar, mit folgender Aufteilung:

Kategorie der Hypothekeneinnahmen	Betrag
Vergabe von Wohnhypotheken	276 Millionen Dollar
Gebühren für die Hypothekenbearbeitung	89 Millionen Dollar
Gebühren für Immobilienkredite	47 Millionen Dollar

Huntington Bancshares Incorporated (HBAN) - Canvas Business Model: Value Propositions

Huntington Bancshares Incorporated provides a comprehensive suite of banking, payments, wealth management, and risk management products and services across 13 states. The third quarter of 2025 saw the company report net income of $629 million and earnings per common share (EPS) of $0.41.

24-Hour Grace on overdrafts to build customer trust

The 24-Hour Grace feature is a core component of the customer trust proposition. This allows a consumer checking customer who overdraws their account until midnight Central Time, the next business day, to make their balance positive and avoid overdraft fees or returns.

Comprehensive banking, payments, and wealth management suite

The offering spans full-service commercial and consumer deposit, lending, and other financial services. Key financial performance metrics from Q3 2025 underscore the scale of the operation:

Metric	Value (Q3 2025)
Revenue	$2.15 billion
Average Total Loans and Leases	$135.9 billion
Return on Average Tangible Common Equity (ROTCE)	17.8%
Noninterest Income	$628 million

Asterisk-Free Checking for simple, low-cost consumer banking

The Asterisk-Free Checking® account is positioned as straightforward banking with no hidden terms. This product carries no monthly maintenance fees and no minimum balance requirements. It is explicitly noted as not an interest-bearing account. This product is bundled with the 24-Hour Grace service.

Specialized commercial expertise for middle-market and corporate clients

Huntington Bancshares Incorporated supports business clients through specialized lending and advisory services. Growth in this segment is evident in the Q3 2025 figures:

• Average commercial loans grew $8.5 billion, or 12%, from the year-ago quarter.
• Average commercial and industrial loans specifically increased by $9.2 billion, or 18%, year-over-year.
• The bank achieved the #1 ranking as a non-captive regional lender in the 2025 J.D. Power U.S. Dealer Financing Satisfaction Study.

Digital tools like Standby Cash for quick liquidity access

Digital tools are designed to help customers manage money with confidence. Standby Cash® offers immediate, non-credit-checked liquidity to eligible consumers. The terms for this feature include:

• Instant access amounts ranging from $100 to $750.
• A fee of 5% cash advance fee applies.
• Alternatively, a 1% monthly interest charge, equating to a 12% APR, is charged if automatic payments are not set up.

Business checking accounts are not eligible for Standby Cash. Finance: draft 13-week cash view by Friday.

Huntington Bancshares Incorporated (HBAN) - Canvas Business Model: Customer Relationships

High-touch, local relationship management via branch network

• Huntington Bancshares Incorporated operates approximately 970 branches across 11 states as of early 2025.
• The bank is accelerating its expansion in the Carolinas, targeting the opening of approximately 55 retail branches over five years, aiming to complete this by 2027.
• As of April 2025, 37 of the 55 planned Carolina branches were under letter of intent for real estate development.
• In 2024, the expansion into new regions like North Carolina and South Carolina added approximately 80 new customer-facing bankers in the first year.
• The bank's formula emphasizes localized leadership and relationship-driven banking to carve out its niche in competitive markets.

Digital self-service and personalized alerts (Huntington Heads Up)

• As of early 2023, 66% of retail customers had adopted digital banking, defined as logging into online or mobile banking at least once in a 90-day period.
• Half of Huntington Bancshares Incorporated's new customers were acquired digitally.
• Digital tools include predictive money tools and comprehensive account alerts, which are part of the offering in 2025.
• The bank promotes pairing banker support with its intuitive mobile banking app.

Dedicated local Financial Advisors for wealth management clients

As of the February 2025 Investor Day presentation, the Wealth Management segment structure included:

Category	Client Count	Assets Under Management (AUM)	Percentage of Total AUM
Private Bank	N/A	$34.0B	N/A
Preferred Banking	N/A	N/A	N/A
Wealth Management (Total)	180k Households	$34.0B	100%
Households ($100k - $1M)	170k Households	$6.4B	18%
Households ($1M+)	10k Households	$27.6B	82%

Staffing within the Wealth Management organization included 415 Financial & Wealth Advisors and 90 Portfolio Managers & Financial Planners. Huntington Bancshares Incorporated projects wealth management to grow at a 10%+ CAGR.

Relationship pricing and bundled services for preferred banking

• The bank emphasizes its 'Fair Play' banking philosophy, which aligns with providing a complete set of products and services distinguished by local delivery and customer service.
• Fee revenue for Huntington Bancshares Incorporated achieved a record level, growing 10% year-over-year in 2024.
• New initiatives, which include expansion into new markets and specialty lending teams, contributed 39% of the full year 2024 loan growth.
• The Relationship Savings account is promoted by emphasizing access to neighborhood branches and helpful bankers as a primary value proposition.

Call centers for customer support and issue resolution

• Customer call centers are listed as one of the service channels used by the Consumer & Regional Banking segment, alongside branches, ATMs, and online/mobile banking.

Huntington Bancshares Incorporated (HBAN) - Canvas Business Model: Channels

You're looking at how Huntington Bancshares Incorporated actually gets its products and services-from checking accounts to specialized commercial loans-into the hands of its customers. It's a blend of old-school brick-and-mortar and modern digital tools, which is key for a bank of its size, especially as it navigates the post-2024 banking landscape.

The physical footprint remains substantial, even as digital adoption accelerates. Huntington National Bank serves customers across a footprint that includes Ohio, Michigan, Pennsylvania, Indiana, West Virginia, Kentucky, Colorado, Illinois, Minnesota, North Carolina, and Wisconsin, with some sources indicating operations across as many as 14 states. The bank is actively planning for physical growth, intending to launch roughly 55 retail branches within the next five years, starting from early 2025.

Here is a breakdown of the physical network based on the latest reported figures:

State	Banking Offices Count	Notes
Ohio	459	Largest single-state presence
Michigan	290	Significant regional concentration
Minnesota	80	Post-TCF acquisition market
Pennsylvania	51	Key market presence
Indiana	45	Part of the core Midwest franchise
Illinois	35	Includes Chicago market presence
Colorado	32	Post-TCF acquisition market
West Virginia	29	Part of the core six-state franchise
Wisconsin	16	Market presence
Kentucky	10	Part of the core six-state franchise
North Carolina	1	Recent expansion area, with plans for more commercial units

The bank also maintains an array of ATMs, with historical data pointing to more than 1,400 ATMs available to customers.

Digital channels are clearly a focus for deepening relationships. Huntington Bancshares Incorporated has been pushing its digital suite, which includes features like predictive money tools and a built-in budgeting calendar. The bank's strategy emphasizes converting digital interactions into tangible business. For instance, half of all new customers are acquired digitally.

The AI-driven feature, Marketplace, within the online and mobile platforms, shows concrete engagement metrics:

• 17% engagement rate among digitally active customers.
• Generated approximately 400,000 unique monthly visits.
• Attributed to 11% of total new account openings in Q4 2022.

For direct support, the bank relies on its customer call centers and digital chat support, which are part of the Customer Solution Center shared service unit. You can reach the conference line for investor updates at (877) 407-8029.

The Commercial and Specialty Banking sales force is expanding its national reach through specialized verticals. This expansion is supported by a commitment to hiring new talent. The bank intends to add more than 350 employees across various business divisions over the next five years, starting in 2025. This includes building out national capabilities in areas like the Financial Institutions Group and the Aerospace & Defense Group.

In terms of specialized lending, the channel strategy involves leveraging external relationships for national scale. For lease financing, for example, the portfolio utilizes:

• Origination partners.
• Third-party sources, including equipment manufacturers.
• Dealers or vendors set up under program structures.

These partnerships are specifically designed to generate transactions from a nationwide footprint.

Huntington Bancshares Incorporated (HBAN) - Canvas Business Model: Customer Segments

You're looking at how Huntington Bancshares Incorporated segments its client base to drive revenue across its two primary operating segments: Consumer & Regional Banking and Commercial Banking. Honestly, the segmentation is quite clear, focusing on the spectrum from individual households to large corporate entities.

Consumers (mass market to mass affluent)

This group is served through the Consumer & Regional Banking segment, which provides the core retail offerings. The growth here is steady; for instance, average consumer loans grew by 6% year-over-year as of the second quarter of 2025, which included a $2.1 billion or 16% increase in average automobile loans.

• The segment also includes mortgage banking and investment management services for this customer set.
• The mass affluent are increasingly served by the Wealth Management arm, which saw wealth fees increase by 12% year-over-year in the third quarter of 2025.

Small and middle-market businesses

These businesses fall primarily under the Commercial Banking umbrella, alongside larger clients. The focus on the middle-market is evident in the loan growth figures. Average commercial and industrial loans, a key indicator for this group, jumped by $7.7 billion, or 15%, year-over-year as of the second quarter of 2025.

Large corporations, municipalities, and government entities

These larger clients are also served by the Commercial Banking segment, receiving comprehensive product offerings like lending, liquidity, treasury management, and capital markets services. Overall, average commercial loans grew by $6.7 billion, or 10%, year-over-year in Q2 2025, showing broad strength across the commercial spectrum.

High & Ultra High Net Worth individuals (Private Bank)

This is a specialized, high-value group served by the Private Bank, which is part of the broader Wealth Management organization. As of early 2025, the Private Bank served approximately 10,000 Households with over $1 million in wealth, holding about $27.6 billion in Assets Under Management (AUM). For context, the bank had a target for its Private Bank to reach $11 billion in AUM by the end of 2025, though earlier figures suggest a much larger base.

• The segment is supported by 65 specialists in trust, investments, and advanced planning.
• 40% of the Private Bank AUM came from customers with $10 million-plus at Huntington Bancshares Incorporated as of February 2025.

Indirect auto and equipment dealer financing customers

This financing is a key component, often integrated within the Consumer and Commercial segments. For the indirect auto side, Huntington Bancshares Incorporated optimized its capital structure in the first quarter of 2025 by completing a credit linked note transaction related to an approximately $3.5 billion pool of on-balance sheet prime indirect auto loans. Equipment financing is handled through the Commercial Bank, with a positive outlook for industry growth in 2025.

Here's a quick look at the loan balances that define the scale of these segments as of mid-2025. Remember, commercial lending is the dominant portion of the loan book.

Metric (as of Q2 2025)	Amount (in billions USD)	Segment Focus
Average Total Loans and Leases	$133.2	All Segments
Commercial Loans (Year-over-Year Growth)	$6.7	Middle-Market & Large Corporations
Consumer Loans (Year-over-Year Growth)	$3.1	Mass Market & Mass Affluent
Commercial Loan Concentration (as of June 30, 2025)	57%	Commercial Banking

Huntington Bancshares Incorporated (HBAN) - Canvas Business Model: Cost Structure

You're looking at the hard costs Huntington Bancshares Incorporated faces to run its operations and fund its growth strategy as of late 2025. It's a mix of staffing, technology investment, funding costs, and setting aside reserves for potential loan losses, all while managing large-scale acquisitions.

Personnel Expenses and Branch Network

Significant costs are tied to the people supporting over 1,000 physical locations. For the three months ended September 30, 2025, Personnel costs totaled $757 million. This reflects the expense base for the staff across the network, which Huntington National Bank operated with 968 branches across 13 states as of early 2025. In the first quarter of 2025, personnel costs were up $39 million, or 6%, year-over-year, driven by higher incentive compensation and salary expense. Staffing efficiencies, which include severance, had a pretax impact of $7 million in the fourth quarter of 2024.

The key cost components related to personnel and operations for the quarter ending September 30, 2025, were:

Expense Category (USD Millions)	3 Months Ended Sep. 30, 2025	3 Months Ended Sep. 30, 2024
Personnel costs	757	684
Outside data processing and other services	198	167
Net occupancy	57	57

Technology and Operations Costs

Digital transformation requires continuous spending, categorized broadly under technology and operations in segment reporting. For the three months ended September 30, 2025, the line item for Outside data processing and other services, which captures some of these technology expenses, was $198 million. This is a notable component of the total noninterest expense.

Interest Expense on Funding

The cost of funding assets through deposits and borrowings is a major variable cost. For the three months ended September 30, 2025, Total interest expense reached $1,094 million. This expense is heavily weighted toward customer balances:

• Deposits: $830 million
• Long-term debt: $251 million
• Short-term borrowings: $13 million

Compared to the first quarter of 2024, average interest-bearing liabilities increased by $15.1 billion, or 11%, in the first quarter of 2025, partially offsetting net interest margin expansion. Total deposit costs for Q1 2025 were reported at 2.03%.

Acquisition and Integration Costs

The aggressive M&A strategy introduces significant, non-recurring integration costs. The acquisition of Veritex Holdings, Inc. had an aggregate transaction value of $1.9 billion as of July 11, 2025. The subsequent agreement to acquire Cadence Bank is valued at approximately $7.4 billion. Huntington Bancshares Incorporated anticipates incurring $555 million in pre-tax merger-related expenses for the Cadence deal. The Cadence transaction is expected to be 7% dilutive to tangible book value per share with earn-back in three years inclusive of merger expenses. The Veritex deal was also expected to include merger expenses, leading to a slight dilution to tangible book value per share at close.

Allowance for Credit Losses (ACL)

Setting aside reserves against potential loan defaults is a critical expense line. The Allowance for credit losses (ACL) stood at $2.5 billion as of March 31, 2025, representing 1.87% of total loans and leases. This reserve increased by $32 million from the end of the prior quarter. By June 30, 2025, the ACL remained at $2.5 billion, having increased by $37 million from the prior quarter. The provision for credit losses for the three months ended September 30, 2025, was $122 million.

Finance: draft 13-week cash view by Friday.

Huntington Bancshares Incorporated (HBAN) - Canvas Business Model: Revenue Streams

You're looking at how Huntington Bancshares Incorporated actually brings in the money, which is the core of their business model right now. It's a mix of traditional banking interest and more diversified fee income, and the numbers show a clear push toward the latter.

The biggest piece, as expected for a major bank, is Net Interest Income (NII), which comes from the spread between what they earn on loans and securities and what they pay out on deposits. For the full-year 2025, Huntington Bancshares has guided for NII growth in the range of 10% to 11%, with the midpoint being 10.5% over the FY24 baseline of $5.398B. This implies a full-year NII target between $5.94B and $5.99B. To give you a recent snapshot, the Net Interest Income (FTE) for the second quarter of 2025 was $1,483 million, marking an 11.9% increase year-over-year.

Fee income is where Huntington Bancshares is actively trying to diversify, and the results from mid-2025 show that strategy is gaining traction. These noninterest income sources are key buffers when interest rate dynamics shift. Here's a breakdown of the key fee-based drivers based on recent quarterly performance:

• Wealth and Asset Management Fees: This segment saw a year-over-year increase of 13% in the second quarter of 2025. The actual revenue for this stream in Q2 2025 reached $102 million.
• Commercial Payment and Merchant Acquiring Fees: Treasury management fees, which include merchant acquiring, grew by 10% year-over-year in Q2 2025, driven by continued success in deepening customer relationships [cite: 8 from previous search].
• Capital Markets and Advisory Fees: Dealmaking momentum translated into a strong year-over-year jump of 21% in capital markets and advisory fees during the third quarter of 2025 [cite: 2 from second search]. This segment also saw a 15% year-over-year increase in Q2 2025.

The final component of their fee structure is the more traditional Loan and Deposit Service Fees. In the second quarter of 2025, customer deposit and loan fees specifically increased by 14% year-over-year, reaching $102 million for the quarter.

You can see how these fee components are growing, which is important for revenue stability. Here's a quick look at the reported year-over-year growth rates for the key fee categories in Q2 2025, where available, alongside the required guidance number for NII:

Revenue Stream Component	Latest Reported Growth (Y/Y or Guidance)	Specific Data Point/Context
Net Interest Income (NII)	10% to 11% (FY 2025 Guidance)	FY24 Baseline: $5.398B
Wealth and Asset Management Fees	13% (Q2 2025 Y/Y Increase)	Q2 2025 Revenue: $102 million
Commercial Payment Fees	10% (Q2 2025 Y/Y Increase)	Reflects Treasury Management fee growth [cite: 8 from previous search]
Capital Markets and Advisory Fees	21% (Q3 2025 Y/Y Jump)	Q3 2025 Noninterest Income: $628M [cite: 4 from previous search]
Loan and Deposit Service Fees	14% (Q2 2025 Y/Y Increase)	Q2 2025 Revenue: $102 million

The bank is clearly focused on expanding these fee-based businesses, which now represent a larger mix of total revenue compared to previous years. Finance: draft 13-week cash view by Friday.