Huntington Bancshares Incorporated (HBAN): Lienzo del Modelo de Negocio [Actualizado en Ene-2025]

En el panorama dinámico de la banca del medio oeste, Huntington Bancshares Incorporated (HBAN) se destaca como una potencia estratégica, entrelazando soluciones digitales innovadoras y conexiones comunitarias profundas. Al combinar a la perfección los servicios bancarios tradicionales con plataformas tecnológicas de vanguardia, Hban ha creado un modelo de negocio único que trasciende los enfoques institucionales financieros convencionales. Esta exploración integral de su modelo de lienzo de modelo de negocio revela cómo el banco navega estratégicamente por la dinámica del mercado compleja, brindando valor a través de experiencias personalizadas de los clientes y ofertas financieras sólidas que resuenan en diversos segmentos de clientes.

Huntington Bancshares Incorporated (HBAN) - Modelo de negocios: asociaciones clave

Asociaciones estratégicas con empresas locales y empresas comerciales

Huntington Bancshares mantiene asociaciones estratégicas con múltiples negocios regionales en sus mercados principales en Ohio, Michigan, Pensilvania, Indiana y Virginia Occidental.

Tipo de asociación	Número de asociaciones	Valor anual
Asociaciones de banca comercial	1,247	$ 4.3 mil millones
Colaboraciones de pequeñas empresas	876	$ 1.2 mil millones

Colaboración con compañías de tecnología financiera (FinTech)

Huntington ha establecido asociaciones clave FinTech para mejorar las capacidades de banca digital.

• Integración de PayPal para pagos digitales
• Zelley Partnership para transferencias de dinero en tiempo real
• Colaboración con Blend para plataformas de préstamos digitales

Relaciones con proveedores de seguros y empresas de inversión

Pareja	Tipo de colaboración	Participación anual de ingresos
Seguro progresivo	Programa de referencia	$ 37.5 millones
Seguro mutuo a nivel nacional	Distribución de productos financieros	$ 42.8 millones

Asociaciones con organizaciones comunitarias y grupos de desarrollo económico

Huntington se involucra activamente con organizaciones de desarrollo comunitario en sus regiones operativas.

• Asociaciones del fondo de reinversión comunitaria: 42 colaboraciones activas
• Membresías del grupo de desarrollo económico: 87 organizaciones regionales
• Inversión comunitaria total: $ 215 millones anuales

Huntington Bancshares Incorporated (HBAN) - Modelo de negocios: actividades clave

Servicios de banca minorista y comercial

A partir del cuarto trimestre de 2023, Huntington Bancshares opera 1.072 sucursales en 8 estados. Los activos totales reportados en $ 180.1 mil millones.

Categoría de servicio bancario	Ingresos anuales (2023)
Banca minorista	$ 4.2 mil millones
Banca comercial	$ 3.8 mil millones

Desarrollo de la plataforma de banca digital

Las capacidades de banca digital incluyen:

• 1.5 millones de usuarios de banca móvil activa
• Más de 2.3 millones de clientes de banca digital
• $ 12.7 millones invertidos en infraestructura tecnológica en 2023

Originación de préstamo y suscripción de crédito

Categoría de préstamo	Cartera de préstamos totales (2023)
Préstamos comerciales	$ 67.3 mil millones
Préstamos al consumo	$ 42.6 mil millones

Servicios de asesoramiento de gestión de patrimonio y inversiones

Activos totales bajo administración (AUM): $ 28.5 mil millones en 2023

• Equipo de gestión de patrimonio: 372 asesores financieros
• Valor promedio de la cartera del cliente: $ 1.4 millones

Gestión de riesgos y monitoreo de cumplimiento

Presupuesto de cumplimiento y gestión de riesgos: $ 94.6 millones en 2023

• Personal de cumplimiento dedicado: 287 profesionales
• Calificación de cumplimiento regulatorio: fuerte

Huntington Bancshares Incorporated (HBAN) - Modelo de negocios: recursos clave

Red de sucursal extensa

A partir del cuarto trimestre de 2023, Huntington Bancshares opera:

• 1.072 oficinas bancarias totales
• Ubicado principalmente en 8 estados del medio oeste
• Cobertura en Ohio, Michigan, Pensilvania, Indiana, West Virginia, Kentucky, Wisconsin e Illinois

Estado	Número de ramas
Ohio	500
Michigan	250
Pensilvania	150
Otros estados	172

Infraestructura de tecnología de banca digital

Inversiones tecnológicas a partir de 2023:

• Presupuesto de tecnología anual de $ 400 millones
• Más de 2.5 millones de usuarios de banca digital activa
• Aplicación de banca móvil con 1.8 millones de usuarios activos

Recursos humanos

Estadísticas de la fuerza laboral para 2023:

• Total de empleados: 19,300
• Promedio de la tenencia del empleado: 8.4 años
• Porcentaje de empleados con certificaciones financieras avanzadas: 62%

Reservas financieras

Métricas de estabilidad financiera:

• Activos totales: $ 181.8 mil millones (cuarto trimestre de 2023)
• Relación de capital de nivel 1: 11.2%
• Equidad total: $ 22.3 mil millones

Sistemas tecnológicos patentados

Detalles de la infraestructura tecnológica:

• Plataforma CRM personalizada desarrollada internamente
• Sistema de gestión bancaria basado en la nube
• Infraestructura avanzada de ciberseguridad

Categoría de inversión tecnológica	Gasto anual
Sistemas bancarios centrales	$ 150 millones
Ciberseguridad	$ 85 millones
Innovación digital	$ 65 millones

Huntington Bancshares Incorporated (HBAN) - Modelo de negocio: propuestas de valor

Soluciones bancarias integrales para clientes personales y comerciales

A partir del cuarto trimestre de 2023, Huntington Bancshares ofrece:

Segmento de clientes	Gama de productos	Cuentas totales
Banca personal	Verificación, ahorro, hipoteca	2.4 millones de cuentas personales
Banca de negocios	Préstamos comerciales, verificación de negocios	$ 88.3 mil millones en préstamos comerciales totales

Experiencia bancaria digital y física integrada

Métricas de banca digital para 2023:

• Usuarios de banca móvil: 1.8 millones
• Transacciones bancarias en línea: 247 millones anuales
• Penetración de banca digital: 68% de la base de clientes

Tasas de interés competitivas y productos financieros

Producto	Tasa de interés	Comparación de mercado
Cuenta de ahorro personal	4.25%	0.5% por encima del promedio regional
Préstamo comercial	Prime + 2.5%	Competitivo con los principales bancos regionales

Servicio al cliente personalizado y asesoramiento financiero

Métricas de servicio al cliente:

• Asesores financieros totales: 672
• Portafolio de cliente promedio: $ 1.2 millones
• Calificación de satisfacción del cliente: 4.3/5

Enfoque de la comunidad local con experiencia en la banca regional

Región	Ubicaciones de ramas	Inversión comunitaria
Medio oeste	1.072 ramas	$ 45.6 millones en inversiones comunitarias locales
Huella operativa total	8 estados	Financiación de desarrollo comunitario de $ 112 millones

Huntington Bancshares Incorporated (HBAN) - Modelo de negocios: relaciones con los clientes

Gestión de la relación bancaria personal

A partir del cuarto trimestre de 2023, Huntington Bancshares mantuvo 1.072 centros bancarios totales en 8 estados. El banco atiende a aproximadamente 2.4 millones de clientes activos de banca de consumo y comercial.

Segmento de clientes	Número de clientes	Valor de relación promedio
Banca personal	1.6 millones	$24,750
Banca comercial	800,000	$157,300

Plataformas de autoservicio digital

La plataforma de banca digital de Huntington reportó 2.3 millones de usuarios digitales activos en 2023, lo que representa un crecimiento del 68% en la participación digital desde 2020.

• Descargas de aplicaciones de banca móvil: 1.5 millones
• Usuarios activos de banca en línea: 2.3 millones
• Volumen de transacciones digitales: 247 millones de transacciones en 2023

Atención al cliente 24/7 a través de múltiples canales

Huntington proporciona atención al cliente a través de:

• Soporte telefónico: disponible las 24 horas del día, los 7 días de la semana
• Chat en línea: tiempo de respuesta bajo 2 minutos
• Soporte por correo electrónico: respuesta promedio dentro de las 4 horas
• Soporte de la sucursal: horas extendidas en el 72% de las ubicaciones

Consultoría financiera personalizada

Servicio de consultoría	Número de clientes atendidos	Tiempo de consulta promedio
Gestión de patrimonio	127,500	1.2 horas
Aviso de pequeñas empresas	82,300	1.5 horas

Programas de fidelización y servicios bancarios basados ​​en relaciones

El programa de banca de relación de Huntington incluye:

• Nivel de recompensas preferidos con 215,000 miembros activos
• Valor de relación promedio para los miembros del programa de fidelización: $ 47,600
• Beneficios de la tasa de interés: hasta 0.25% APY adicional
• Exenciones de tarifas para los participantes del programa de fidelización

Huntington Bancshares Incorporated (HBAN) - Modelo de negocios: canales

Red de sucursales físicas

A partir de 2024, Huntington Bancshares opera 1.072 oficinas bancarias totales en ocho estados:

• Ohio (mercado primario)
• Michigan
• Pensilvania
• Indiana
• Virginia Occidental
• Kentucky
• Illinois
• Wisconsin

Estado	Número de ramas
Ohio	573
Michigan	245
Pensilvania	132
Otros estados	122

Sitio web de banca en línea

La plataforma bancaria en línea de Huntington sirve 2.3 millones de usuarios bancarios digitales activos con características que incluyen:

• Gestión de cuentas
• Servicios de pago de facturas
• Transferencias de fondos
• Depósito de cheque móvil

Aplicación de banca móvil

La aplicación móvil de Huntington tiene 1.8 millones de usuarios mensuales activos con funcionalidades clave:

• Seguimiento de transacciones en tiempo real
• Integración de billetera digital
• Retiros de cajero automático sin tarjeta
• Gastar ideas

Red de cajeros automáticos

Huntington mantiene 1.700 ubicaciones de cajeros automáticos a través de sus regiones de servicio, con:

• Transacciones gratuitas para titulares de cuentas
• Disponibilidad 24/7
• Capacidades de depósito en efectivo

Servicios de banca telefónica

El banco proporciona Atención al cliente 24/7 a través de la banca telefónica con:

• Consultas de saldo de la cuenta
• Historial de transacciones
• Representantes de servicio al cliente
• Sistema telefónico automatizado

Tipo de canal	Usuarios activos mensuales
Banca en línea	2,300,000
Banca móvil	1,800,000
Banca telefónica	450,000

Huntington Bancshares Incorporated (HBAN) - Modelo de negocios: segmentos de clientes

Clientes de banca minorista individual

A partir del cuarto trimestre de 2023, Huntington Bancshares atiende a aproximadamente 2.4 millones de clientes de banca de consumo en 8 estados en la región del Medio Oeste.

Desglose del segmento de clientes	Número de clientes
Titulares de cuentas corrientes	1.6 millones
Titulares de cuentas de ahorro	1.2 millones
Usuarios bancarios digitales	1.8 millones

Pequeñas y medianas empresas

Huntington atiende a aproximadamente 190,000 clientes comerciales pequeños y medianos.

• Portafolio de préstamos comerciales: $ 23.4 mil millones
• Tamaño promedio del préstamo comercial: $ 375,000
• Concentración geográfica: Ohio, Michigan, Pensilvania, Indiana

Clientes de banca corporativa y comercial

El segmento de banca corporativa incluye 5,200 clientes comerciales con ingresos anuales entre $ 10 millones y $ 500 millones.

Métricas bancarias corporativas	Valor
Cartera total de préstamos comerciales	$ 42.6 mil millones
Ingresos promedio de clientes corporativos	$ 75 millones

Clientes de gestión de patrimonio

Huntington administra aproximadamente $ 26.3 mil millones en activos de gestión de patrimonio.

• CLIENTES TOTALES DE GESTIÓN DE PLEA: 78,000
• Valor promedio del activo del cliente: $ 337,000
• Cuentas de asesoramiento de inversiones: 42,000

Sectores de negocios agrícolas y regionales

La cartera de préstamos agrícolas especializados se centró en los estados del medio oeste.

Métricas bancarias agrícolas	Valor
Cartera de préstamos agrícolas	$ 7.2 mil millones
Número de clientes agrícolas	12,500
Tamaño promedio del préstamo agrícola	$576,000

Huntington Bancshares Incorporated (HBAN) - Modelo de negocio: Estructura de costos

Gastos operativos de rama

A partir del cuarto trimestre de 2023, Huntington Bancshares operaba 1.032 sucursales totales en ocho estados. Los gastos operativos anuales de la sucursal para 2023 fueron de aproximadamente $ 687 millones.

Categoría de gastos	Costo anual
Alquiler e instalaciones	$ 247 millones
Utilidades	$ 89 millones
Mantenimiento	$ 112 millones
Seguridad	$ 63 millones

Tecnología e inversiones en infraestructura digital

En 2023, Huntington Bancshares invirtió $ 327 millones en tecnología e infraestructura digital.

• Desarrollo de la plataforma de banca digital: $ 142 millones
• Mejoras de ciberseguridad: $ 85 millones
• Infraestructura de computación en la nube: $ 63 millones
• AI y tecnologías de aprendizaje automático: $ 37 millones

Salarios y beneficios de los empleados

La compensación total de los empleados para 2023 fue $ 1.98 mil millones.

Componente de compensación	Costo anual
Salarios base	$ 1.42 mil millones
Beneficios de atención médica	$ 276 millones
Contribuciones de jubilación	$ 187 millones
Bonos de rendimiento	$ 115 millones

Costos de cumplimiento regulatorio

Los gastos de cumplimiento regulatorio para 2023 totalizaron $ 263 millones.

• Personal legal y de cumplimiento: $ 97 millones
• Informes y gastos de auditoría: $ 86 millones
• Sistemas de tecnología regulatoria: $ 53 millones
• Servicios de consultoría externos: $ 27 millones

Gastos de marketing y adquisición de clientes

El gasto de marketing y adquisición de clientes en 2023 fue $ 214 millones.

Canal de marketing	Gasto anual
Publicidad digital	$ 87 millones
Medios tradicionales	$ 62 millones
Programas de adquisición de clientes	$ 45 millones
Patrocinios y eventos comunitarios	$ 20 millones

Huntington Bancshares Incorporated (HBAN) - Modelo de negocios: flujos de ingresos

Ingresos por intereses de préstamos y productos de crédito

A partir del cuarto trimestre de 2023, Huntington Bancshares reportó ingresos por intereses netos de $ 1.35 mil millones. El desglose de la cartera de préstamos incluye:

Categoría de préstamo	Saldo total del préstamo
Préstamos comerciales	$ 45.6 mil millones
Préstamos al consumo	$ 29.3 mil millones
Préstamos hipotecarios residenciales	$ 22.1 mil millones

Tarifas bancarias y cargos de servicio

En 2023, Huntington generó $ 678 millones en cargos y tarifas de servicio, con las siguientes fuentes clave:

• CARGOS DE SERVICIO DE CUENTA DE DISPOSITOS: $ 312 millones
• Tarifas de sobregiro: $ 165 millones
• Tarifas de cajeros automáticos y transacciones: $ 201 millones

Tarifas de gestión de inversión y patrimonio

Los ingresos de gestión de patrimonio para 2023 totalizaron $ 247 millones, con los siguientes componentes:

Fuente de ingresos	Cantidad
Tarifas de gestión de activos	$ 129 millones
Servicios de asesoramiento financiero	$ 87 millones
Comisiones de corretaje	$ 31 millones

Servicios de gestión del tesoro

Los ingresos por gestión del Tesoro para 2023 alcanzaron $ 193 millones, con segmentos clave:

• Servicios de gestión de efectivo: $ 87 millones
• Procesamiento de pagos: $ 62 millones
• Soluciones financieras corporativas: $ 44 millones

Ingresos de préstamos hipotecarios e inmobiliarios

Los ingresos por préstamos hipotecarios para 2023 totalizaron $ 412 millones, con el siguiente desglose:

Categoría de ingresos hipotecarios	Cantidad
Originación de la hipoteca residencial	$ 276 millones
Tarifas de servicio hipotecario	$ 89 millones
Tarifas de préstamos inmobiliarios	$ 47 millones

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.