Huntington Bancshares Incorporated (HBAN): Business Model Canvas [Jan-2025 Mis à jour]

Dans le paysage dynamique de Midwest Banking, Huntington Bancshares Incorporated (HBAN) se démarque comme une puissance stratégique, tissant des solutions numériques innovantes et des connexions communautaires profondément enracinées. En mélangeant de manière transparente les services bancaires traditionnels avec des plateformes technologiques de pointe, HBAN a conçu un modèle commercial unique qui transcende les approches institutionnelles financières conventionnelles. Cette exploration complète de leur toile de modèle commercial révèle comment la banque navigue stratégiquement sur la dynamique du marché, offrant de la valeur grâce à des expériences client personnalisées et des offres financières robustes qui résonnent à travers divers segments de clients.

Huntington Bancshares Incorporated (HBAN) - Modèle commercial: partenariats clés

Partenariats stratégiques avec les entreprises locales et les entreprises commerciales

Huntington Bancshares maintient des partenariats stratégiques avec plusieurs entreprises régionales sur ses principaux marchés de l'Ohio, du Michigan, de la Pennsylvanie, de l'Indiana et de la Virginie-Occidentale.

Type de partenariat	Nombre de partenariats	Valeur annuelle
Partenariats bancaires commerciaux	1,247	4,3 milliards de dollars
Collaborations de petites entreprises	876	1,2 milliard de dollars

Collaboration avec les entreprises de la technologie financière (FinTech)

Huntington a établi des partenariats clés en finch pour améliorer les capacités bancaires numériques.

• Intégration PayPal pour les paiements numériques
• Partenariat Zelle pour les transferts d'argent en temps réel
• Collaboration avec Blend pour les plateformes de prêt numérique

Relations avec les assureurs et les sociétés d'investissement

Partenaire	Type de collaboration	Part des revenus annuels
Assurance progressive	Programme de référence	37,5 millions de dollars
Assurance mutuelle à l'échelle nationale	Distribution de produits financiers	42,8 millions de dollars

Partenariats avec les organisations communautaires et les groupes de développement économique

Huntington s'engage activement avec des organisations de développement communautaire dans ses régions opérationnelles.

• Community Reinvestment Fund Partnerships: 42 Collaborations actives
• Adonnances du groupe de développement économique: 87 organisations régionales
• Investissement total de la communauté: 215 millions de dollars par an

Huntington Bancshares Incorporated (HBAN) - Modèle d'entreprise: Activités clés

Services de vente au détail et commerciaux

Au quatrième trimestre 2023, Huntington Bancshares exploite 1 072 succursales dans 8 États. Le total des actifs déclarés à 180,1 milliards de dollars.

Catégorie de service bancaire	Revenus annuels (2023)
Banque de détail	4,2 milliards de dollars
Banque commerciale	3,8 milliards de dollars

Développement de la plate-forme bancaire numérique

Les capacités bancaires numériques comprennent:

• 1,5 million d'utilisateurs de banques mobiles actifs
• Plus de 2,3 millions de clients bancaires numériques
• 12,7 millions de dollars investis dans l'infrastructure technologique en 2023

Origination du prêt et souscription du crédit

Catégorie de prêt	Portefeuille total de prêts (2023)
Prêts commerciaux	67,3 milliards de dollars
Prêts à la consommation	42,6 milliards de dollars

Services de gestion de la gestion de la patrimoine et de l'investissement

Total des actifs sous gestion (AUM): 28,5 milliards de dollars en 2023

• Équipe de gestion de patrimoine: 372 conseillers financiers
• Valeur moyenne du portefeuille des clients: 1,4 million de dollars

Gestion des risques et surveillance de la conformité

Budget de conformité et de gestion des risques: 94,6 millions de dollars en 2023

• Personnel de conformité dédié: 287 professionnels
• Évaluation de la conformité réglementaire: solide

Huntington Bancshares Incorporated (HBAN) - Modèle d'entreprise: Ressources clés

Réseau de succursale étendue

Depuis le quatrième trimestre 2023, Huntington Bancshares fonctionne:

• 1 072 bureaux bancaires au total
• Principalement situé à travers 8 États du Midwest
• Couverture dans l'Ohio, le Michigan, la Pennsylvanie, l'Indiana, la Virginie-Occidentale, le Kentucky, le Wisconsin et l'Illinois

État	Nombre de branches
Ohio	500
Michigan	250
Pennsylvanie	150
Autres États	172

Infrastructure de technologie bancaire numérique

Investissements technologiques à partir de 2023:

• Budget technologique annuel de 400 millions de dollars
• Plus de 2,5 millions d'utilisateurs de banque numérique active
• Application bancaire mobile avec 1,8 million d'utilisateurs actifs

Ressources humaines

Statistiques de la main-d'œuvre pour 2023:

• Total des employés: 19 300
• Tenure moyenne des employés: 8,4 ans
• Pourcentage d'employés avec des certifications financières avancées: 62%

Réserves financières

Mesures de stabilité financière:

• Actif total: 181,8 milliards de dollars (Q4 2023)
• Ratio de capital de niveau 1: 11,2%
• Équité totale: 22,3 milliards de dollars

Systèmes technologiques propriétaires

Détails de l'infrastructure technologique:

• Plateforme CRM personnalisée développée en interne
• Système de gestion bancaire basé sur le cloud
• Infrastructure de cybersécurité avancée

Catégorie d'investissement technologique	Dépenses annuelles
Systèmes bancaires de base	150 millions de dollars
Cybersécurité	85 millions de dollars
Innovation numérique	65 millions de dollars

Huntington Bancshares Incorporated (HBAN) - Modèle d'entreprise: propositions de valeur

Solutions bancaires complètes pour les clients personnels et commerciaux

Depuis le quatrième trimestre 2023, Huntington Bancshares propose:

Segment de clientèle	Gamme de produits	Comptes totaux
Banque personnelle	Vérification, économie, hypothèque	2,4 millions de comptes personnels
Banque d'affaires	Prêts commerciaux, vérification des entreprises	88,3 milliards de dollars de prêts commerciaux totaux

Expérience bancaire numérique et physique intégrée

Métriques bancaires numériques pour 2023:

• Utilisateurs des banques mobiles: 1,8 million
• Transactions bancaires en ligne: 247 millions par an
• Pénétration des banques numériques: 68% de la clientèle

Taux d'intérêt concurrentiels et produits financiers

Produit	Taux d'intérêt	Comparaison du marché
Compte d'épargne personnelle	4.25%	0,5% au-dessus de la moyenne régionale
Prêt commercial	Prime + 2,5%	Compétitif avec les meilleures banques régionales

Service client personnalisé et conseils financiers

Métriques du service client:

• Conseillers financiers totaux: 672
• Portfolio moyen des clients: 1,2 million de dollars
• Évaluation de satisfaction du client: 4.3 / 5

Focus de la communauté locale avec une expertise bancaire régionale

Région	Succursales	Investissement communautaire
Midwest	1 072 succursales	45,6 millions de dollars d'investissements communautaires locaux
Empreinte opérationnelle totale	8 États	Financement de 112 millions de dollars au développement communautaire

Huntington Bancshares Incorporated (HBAN) - Modèle d'entreprise: Relations clients

Gestion des relations bancaires personnelles

Au quatrième trimestre 2023, Huntington Bancshares a maintenu 1 072 centres bancaires au total dans 8 États. La banque dessert environ 2,4 millions de clients actifs des banques de consommateurs et commerciaux.

Segment de clientèle	Nombre de clients	Valeur de relation moyenne
Banque personnelle	1,6 million	$24,750
Banque commerciale	800,000	$157,300

Plates-formes de libre-service numériques

La plate-forme bancaire numérique de Huntington a déclaré 2,3 millions d'utilisateurs numériques actifs en 2023, ce qui représente une croissance de 68% de l'engagement numérique depuis 2020.

• Téléchargements d'applications bancaires mobiles: 1,5 million
• Banque en ligne utilisateurs actifs: 2,3 millions
• Volume de transaction numérique: 247 millions de transactions en 2023

Support client 24/7 via plusieurs canaux

Huntington fournit un support client:

• Prise en charge du téléphone: disponible 24/7
• Chat en ligne: temps de réponse en moins de 2 minutes
• Assistance par e-mail: réponse moyenne dans les 4 heures
• Support de succursale: heures prolongées dans 72% des emplacements

Conseil financier personnalisé

Service de conseil	Nombre de clients servis	Temps de consultation moyen
Gestion de la richesse	127,500	1,2 heures
Avis de petite entreprise	82,300	1,5 heures

Programmes de fidélité et services bancaires basés sur les relations

Le programme bancaire des relations de Huntington comprend:

• Tier de récompenses préféré avec 215 000 membres actifs
• Valeur de la relation moyenne pour les membres du programme de fidélité: 47 600 $
• Avantages à taux d'intérêt: jusqu'à 0,25% APY supplémentaire
• Dépenses de frais pour les participants au programme de fidélité

Huntington Bancshares Incorporated (HBAN) - Modèle d'entreprise: canaux

Réseau de succursale physique

En 2024, Huntington Bancshares fonctionne 1 072 bureaux bancaires au total Dans huit États:

• Ohio (marché primaire)
• Michigan
• Pennsylvanie
• Indiana
• Virginie-Occidentale
• Kentucky
• Illinois
• Wisconsin

État	Nombre de branches
Ohio	573
Michigan	245
Pennsylvanie	132
Autres États	122

Site Web de banque en ligne

La plateforme bancaire en ligne de Huntington sert 2,3 millions d'utilisateurs bancaires numériques actifs avec des fonctionnalités comprenant:

• Gestion des comptes
• Services de paiement
• Transferts de fonds
• Dépôt de chèques mobiles

Application bancaire mobile

L'application mobile Huntington a 1,8 million d'utilisateurs mensuels actifs avec des fonctionnalités clés:

• Suivi des transactions en temps réel
• Intégration du portefeuille numérique
• Retraits ATM sans carte
• Dépenser des informations

Réseau ATM

Huntington maintient 1700 emplacements ATM à travers ses régions de service, avec:

• Transactions gratuites pour les titulaires de compte
• Disponibilité 24/7
• Capacités de dépôt en espèces

Services bancaires téléphoniques

La banque fournit Support client 24/7 via la banque téléphonique avec:

• Solde de compte Renseignements
• Historique des transactions
• Représentants du service à la clientèle
• Système téléphonique automatisé

Type de canal	Utilisateurs actifs mensuels
Banque en ligne	2,300,000
Banque mobile	1,800,000
Banque téléphonique	450,000

Huntington Bancshares Incorporated (HBAN) - Modèle d'entreprise: segments de clientèle

Clients bancaires de détail individuels

Au quatrième trimestre 2023, Huntington Bancshares dessert environ 2,4 millions de clients de la banque de consommation dans 8 États de la région du Midwest.

Répartition du segment de la clientèle	Nombre de clients
Chose des titulaires de compte	1,6 million
Détenteurs de compte d'épargne	1,2 million
Utilisateurs de la banque numérique	1,8 million

Petites et moyennes entreprises

Huntington dessert environ 190 000 clients commerciaux de petite et moyenne taille.

• Portefeuille de prêts commerciaux: 23,4 milliards de dollars
• Taille moyenne des prêts commerciaux: 375 000 $
• Concentration géographique: Ohio, Michigan, Pennsylvanie, Indiana

Clients bancaires d'entreprise et commerciaux

Le segment des banques d'entreprise comprend 5 200 clients commerciaux avec des revenus annuels entre 10 et 500 millions de dollars.

Métriques de la banque d'entreprise	Valeur
Portefeuille total de prêts commerciaux	42,6 milliards de dollars
Revenus moyens des clients de l'entreprise	75 millions de dollars

Clients de gestion de la patrimoine

Huntington gère environ 26,3 milliards de dollars d'actifs de gestion de patrimoine.

• Clients totaux de gestion de patrimoine: 78 000
• Valeur moyenne des actifs du client: 337 000 $
• Comptes de conseil en investissement: 42 000

Secteurs commerciaux agricoles et régionaux

Le portefeuille de prêts agricoles spécialisés s'est concentré sur les États du Midwest.

Métriques bancaires agricoles	Valeur
Portefeuille de prêts agricoles	7,2 milliards de dollars
Nombre de clients agricoles	12,500
Taille moyenne des prêts agricoles	$576,000

Huntington Bancshares Incorporated (HBAN) - Modèle d'entreprise: Structure des coûts

Succursale des dépenses opérationnelles

Au quatrième trimestre 2023, Huntington Bancshares a exploité 1 032 succursales totales dans huit États. Les dépenses opérationnelles annuelles de la succursale pour 2023 étaient d'environ 687 millions de dollars.

Catégorie de dépenses	Coût annuel
Loyer et installations	247 millions de dollars
Services publics	89 millions de dollars
Entretien	112 millions de dollars
Sécurité	63 millions de dollars

Investissements technologiques et infrastructures numériques

En 2023, Huntington Bancshares a investi 327 millions de dollars dans la technologie et les infrastructures numériques.

• Développement de la plate-forme bancaire numérique: 142 millions de dollars
• Améliorations de la cybersécurité: 85 millions de dollars
• Infrastructure de cloud computing: 63 millions de dollars
• IA et technologies d'apprentissage automatique: 37 millions de dollars

Salaires et avantages sociaux des employés

La rémunération totale des employés pour 2023 était 1,98 milliard de dollars.

Composant de compensation	Coût annuel
Salaires de base	1,42 milliard de dollars
Avantages sociaux	276 millions de dollars
Contributions à la retraite	187 millions de dollars
Bonus de performance	115 millions de dollars

Coûts de conformité réglementaire

Les dépenses de conformité réglementaire pour 2023 ont totalisé 263 millions de dollars.

• Personnel juridique et de conformité: 97 millions de dollars
• Représentation et dépenses d'audit: 86 millions de dollars
• Systèmes technologiques réglementaires: 53 millions de dollars
• Services de conseil externe: 27 millions de dollars

Frais de marketing et d'acquisition des clients

Les dépenses de marketing et d'acquisition des clients en 2023 étaient 214 millions de dollars.

Canal de marketing	Dépenses annuelles
Publicité numérique	87 millions de dollars
Médias traditionnels	62 millions de dollars
Programmes d'acquisition de clients	45 millions de dollars
Parrainages et événements communautaires	20 millions de dollars

Huntington Bancshares Incorporated (HBAN) - Modèle d'entreprise: Strots de revenus

Revenu des intérêts des prêts et des produits de crédit

Au quatrième trimestre 2023, Huntington Bancshares a déclaré un revenu net d'intérêts de 1,35 milliard de dollars. La répartition du portefeuille de prêts comprend:

Catégorie de prêt	Solde total des prêts
Prêts commerciaux	45,6 milliards de dollars
Prêts à la consommation	29,3 milliards de dollars
Prêts hypothécaires résidentiels	22,1 milliards de dollars

Frais bancaires et frais de service

En 2023, Huntington a généré 678 millions de dollars de frais de service et de frais, avec les principales sources suivantes:

• Frais de service de compte de dépôt: 312 millions de dollars
• Frais de découvert: 165 millions de dollars
• ATM et frais de transaction: 201 millions de dollars

Frais d'investissement et de gestion de la patrimoine

Les revenus de gestion de la patrimoine pour 2023 ont totalisé 247 millions de dollars, avec les composantes suivantes:

Source de revenus	Montant
Frais de gestion des actifs	129 millions de dollars
Services de conseil financier	87 millions de dollars
Commissions de courtage	31 millions de dollars

Services de gestion du Trésor

Les revenus de la gestion du Trésor pour 2023 ont atteint 193 millions de dollars, avec des segments clés:

• Services de gestion des espèces: 87 millions de dollars
• Traitement des paiements: 62 millions de dollars
• Solutions financières d'entreprise: 44 millions de dollars

Revenus de prêts hypothécaires et immobiliers

Les revenus des prêts hypothécaires pour 2023 ont totalisé 412 millions de dollars, avec la ventilation suivante:

Catégorie de revenus hypothécaire	Montant
Origination hypothécaire résidentielle	276 millions de dollars
Frais de service hypothécaire	89 millions de dollars
Frais de prêt immobilier	47 millions de dollars

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.