Huntington Bancshares Incorporated (HBAN): Modelo de Negócios Canvas [Jan-2025 Atualizado]

No cenário dinâmico do Bancário do Centro-Oeste, Huntington Bancshares Incorporated (HBAN) se destaca como uma potência estratégica, tecendo soluções digitais inovadoras e conexões comunitárias profundas. Ao misturar perfeitamente os serviços bancários tradicionais com plataformas tecnológicas de ponta, o HBAN criou um modelo de negócios exclusivo que transcende as abordagens institucionais financeiras convencionais. Essa exploração abrangente de seu modelo de negócios Canvas revela como o banco navega estrategicamente dinâmicas complexas de mercado, agregando valor por meio de experiências personalizadas de clientes e ofertas financeiras robustas que ressoam em diversos segmentos de clientes.

Huntington Bancshares Incorporated (HBAN) - Modelo de negócios: Parcerias -chave

Parcerias estratégicas com empresas locais e empresas comerciais

Huntington Bancshares mantém parcerias estratégicas com várias empresas regionais em seus principais mercados em Ohio, Michigan, Pensilvânia, Indiana e Virgínia Ocidental.

Tipo de parceria	Número de parcerias	Valor anual
Parcerias bancárias comerciais	1,247	US $ 4,3 bilhões
Colaborações de pequenas empresas	876	US $ 1,2 bilhão

Colaboração com empresas de tecnologia financeira (fintech)

A Huntington estabeleceu as principais parcerias da FinTech para aprimorar os recursos bancários digitais.

• Integração do PayPal para pagamentos digitais
• Parceria Zelle para transferências de dinheiro em tempo real
• Colaboração com Blend para plataformas de empréstimos digitais

Relacionamentos com provedores de seguros e empresas de investimento

Parceiro	Tipo de colaboração	Participação anual da receita
Seguro progressivo	Programa de referência	US $ 37,5 milhões
Seguro mútuo em todo o país	Distribuição de produtos financeiros	US $ 42,8 milhões

Parcerias com organizações comunitárias e grupos de desenvolvimento econômico

Huntington se envolve ativamente com organizações de desenvolvimento comunitário em suas regiões operacionais.

• Parcerias do Fundo de Reinvestimento Comunitário: 42 Colaborações Ativas
• Associações do Grupo de Desenvolvimento Econômico: 87 Organizações Regionais
• Investimento Comunitário Total: US $ 215 milhões anualmente

Huntington Bancshares Incorporated (HBAN) - Modelo de negócios: Atividades -chave

Serviços bancários comerciais e de varejo

A partir do quarto trimestre 2023, Huntington Bancshares opera 1.072 filiais em 8 estados. Total de ativos relatados em US $ 180,1 bilhões.

Categoria de serviço bancário	Receita anual (2023)
Banco de varejo	US $ 4,2 bilhões
Bancos comerciais	US $ 3,8 bilhões

Desenvolvimento da plataforma bancária digital

Os recursos bancários digitais incluem:

• 1,5 milhão de usuários de bancos móveis ativos
• Mais de 2,3 milhões de clientes bancários digitais
• US $ 12,7 milhões investidos em infraestrutura de tecnologia em 2023

Originação de empréstimos e subscrição de crédito

Categoria de empréstimo	Portfólio de empréstimos Total (2023)
Empréstimos comerciais	US $ 67,3 bilhões
Empréstimos ao consumidor	US $ 42,6 bilhões

Gestão de patrimônio e serviços de consultoria de investimentos

Total de ativos sob gestão (AUM): US $ 28,5 bilhões em 2023

• Equipe de gerenciamento de patrimônio: 372 consultores financeiros
• Valor médio do portfólio de clientes: US $ 1,4 milhão

Gerenciamento de riscos e monitoramento de conformidade

Orçamento de conformidade e gerenciamento de riscos: US $ 94,6 milhões em 2023

• Equipe dedicada de conformidade: 287 profissionais
• Classificação de conformidade regulatória: forte

Huntington Bancshares Incorporated (HBAN) - Modelo de negócios: Recursos -chave

Extensa rede de filiais

A partir do quarto trimestre 2023, Huntington Bancshares opera:

• 1.072 escritórios bancários totais
• Localizado principalmente em 8 estados do meio -oeste
• Cobertura em Ohio, Michigan, Pensilvânia, Indiana, Virgínia Ocidental, Kentucky, Wisconsin e Illinois

Estado	Número de ramificações
Ohio	500
Michigan	250
Pensilvânia	150
Outros estados	172

Infraestrutura de tecnologia bancária digital

Investimentos de tecnologia a partir de 2023:

• Orçamento anual de tecnologia anual de US $ 400 milhões
• Mais de 2,5 milhões de usuários de bancos digitais ativos
• Aplicativo bancário móvel com 1,8 milhão de usuários ativos

Recursos Humanos

Estatísticas da força de trabalho para 2023:

• Total de funcionários: 19.300
• Posse média dos funcionários: 8,4 anos
• Porcentagem de funcionários com certificações financeiras avançadas: 62%

Reservas financeiras

Métricas de estabilidade financeira:

• Total de ativos: US $ 181,8 bilhões (quarto trimestre 2023)
• Tier 1 Capital Ratio: 11,2%
• Patrimônio total: US $ 22,3 bilhões

Sistemas de tecnologia proprietários

Detalhes da infraestrutura de tecnologia:

• Plataforma CRM personalizada desenvolvida internamente
• Sistema de gerenciamento bancário baseado em nuvem
• Infraestrutura avançada de segurança cibernética

Categoria de investimento em tecnologia	Gastos anuais
Sistemas bancários principais	US $ 150 milhões
Segurança cibernética	US $ 85 milhões
Inovação digital	US $ 65 milhões

Huntington Bancshares Incorporated (HBAN) - Modelo de negócios: proposições de valor

Soluções bancárias abrangentes para clientes pessoais e comerciais

A partir do quarto trimestre 2023, Huntington Bancshares oferece:

Segmento de clientes	Gama de produtos	Contas totais
Bancos pessoais	Verificação, economia, hipoteca	2,4 milhões de contas pessoais
Banking de negócios	Empréstimos comerciais, verificação de negócios	US $ 88,3 bilhões em empréstimos comerciais totais

Experiência bancária digital e física integrada

Métricas bancárias digitais para 2023:

• Usuários bancários móveis: 1,8 milhão
• Transações bancárias online: 247 milhões anualmente
• Penetração bancária digital: 68% da base de clientes

Taxas de juros competitivas e produtos financeiros

Produto	Taxa de juro	Comparação de mercado
Conta de poupança pessoal	4.25%	0,5% acima da média regional
Empréstimo comercial	Prime + 2,5%	Competitivo com os principais bancos regionais

Atendimento ao cliente personalizado e conselhos financeiros

Métricas de atendimento ao cliente:

• Total de consultores financeiros: 672
• Portfólio de clientes médios: US $ 1,2 milhão
• Classificação de satisfação do cliente: 4.3/5

Foco da comunidade local com experiência bancária regional

Região	Locais da filial	Investimento comunitário
Centro -Oeste	1.072 ramos	US $ 45,6 milhões em investimentos comunitários locais
Pegada operacional total	8 estados	Financiamento de desenvolvimento comunitário de US $ 112 milhões

Huntington Bancshares Incorporated (HBAN) - Modelo de Negócios: Relacionamentos do Cliente

Gerenciamento de relacionamento bancário pessoal

No quarto trimestre 2023, Huntington Bancshares manteve 1.072 centros bancários totais em 8 estados. O banco atende a aproximadamente 2,4 milhões de clientes de consumidores e bancos comerciais ativos.

Segmento de clientes	Número de clientes	Valor médio do relacionamento
Bancos pessoais	1,6 milhão	$24,750
Bancos comerciais	800,000	$157,300

Plataformas de autoatendimento digital

A plataforma bancária digital de Huntington registrou 2,3 ​​milhões de usuários digitais ativos em 2023, representando um crescimento de 68% no engajamento digital desde 2020.

• Downloads de aplicativos bancários móveis: 1,5 milhão
• Usuários ativos bancários on -line: 2,3 milhões
• Volume da transação digital: 247 milhões de transações em 2023

Suporte ao cliente 24/7 por meio de vários canais

Huntington fornece suporte ao cliente por meio de:

• Suporte telefônico: disponível 24/7
• Chat online: Tempo de resposta abaixo de 2 minutos
• Suporte por e -mail: resposta média dentro de 4 horas
• Suporte da filial: Horário prolongado em 72% dos locais

Consultoria financeira personalizada

Serviço de consultoria	Número de clientes atendidos	Tempo médio de consulta
Gestão de patrimônio	127,500	1,2 horas
Consultor de pequenas empresas	82,300	1,5 horas

Programas de fidelidade e serviços bancários baseados em relacionamento

O programa bancário de relacionamento de Huntington inclui:

• Tier de recompensas preferidas com 215.000 membros ativos
• Valor médio do relacionamento para membros do programa de fidelidade: US $ 47.600
• Benefícios da taxa de juros: até 0,25% APY adicional
• Rensagões de taxas para participantes do programa de fidelidade

Huntington Bancshares Incorporated (HBAN) - Modelo de Negócios: Canais

Rede de ramificação física

A partir de 2024, Huntington Bancshares opera 1.072 escritórios bancários totais em oito estados:

• Ohio (mercado primário)
• Michigan
• Pensilvânia
• Indiana
• Virgínia Ocidental
• Kentucky
• Illinois
• Wisconsin

Estado	Número de ramificações
Ohio	573
Michigan	245
Pensilvânia	132
Outros estados	122

Site bancário online

A plataforma bancária online de Huntington serve 2,3 milhões de usuários de bancos digitais ativos com recursos incluindo:

• Gerenciamento de contas
• Serviços de pagamento de contas
• Transferências de fundos
• Depósito de cheque móvel

Aplicativo bancário móvel

O aplicativo móvel de Huntington tem 1,8 milhão de usuários mensais ativos Com as principais funcionalidades:

• Rastreamento de transações em tempo real
• Integração da carteira digital
• Retiradas de caixas eletrônicos sem cartão
• Insights gastos

Rede ATM

Huntington sustenta 1.700 locais atm em suas regiões de serviço, com:

• Transações gratuitas para titulares de contas
• Disponibilidade 24/7
• Recursos de depósito em dinheiro

Serviços bancários telefônicos

O banco fornece Suporte ao cliente 24 horas com:

• Inquéritos do saldo da conta
• Histórico de transações
• Representantes de atendimento ao cliente
• Sistema telefônico automatizado

Tipo de canal	Usuários ativos mensais
Bancos online	2,300,000
Mobile Banking	1,800,000
Telefonar bancário	450,000

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

Clientes bancários de varejo individuais

A partir do quarto trimestre de 2023, Huntington Bancshares atende a aproximadamente 2,4 milhões de clientes bancários de consumidores em 8 estados na região do Centro -Oeste.

Quebra de segmento de clientes	Número de clientes
Correntes de contas correntes	1,6 milhão
Titulares da conta poupança	1,2 milhão
Usuários bancários digitais	1,8 milhão

Pequenas e médias empresas

Huntington atende a aproximadamente 190.000 clientes comerciais pequenos e médios.

• Portfólio de empréstimos comerciais: US $ 23,4 bilhões
• Tamanho médio de empréstimo comercial: US $ 375.000
• Concentração geográfica: Ohio, Michigan, Pensilvânia, Indiana

Clientes bancários corporativos e comerciais

O segmento bancário corporativo inclui 5.200 clientes comerciais com receita anual entre US $ 10 milhões e US $ 500 milhões.

Métricas bancárias corporativas	Valor
Carteira total de empréstimos comerciais	US $ 42,6 bilhões
Receita média de clientes corporativos	US $ 75 milhões

Clientes de gerenciamento de patrimônio

Huntington gerencia aproximadamente US $ 26,3 bilhões em ativos de gerenciamento de patrimônio.

• Total de clientes de gerenciamento de patrimônio: 78.000
• Valor médio do ativo do cliente: $ 337.000
• Contas consultivas de investimento: 42.000

Setores de negócios agrícolas e regionais

Portfólio especializado em empréstimos agrícolas focados nos estados do Centro -Oeste.

Métricas bancárias agrícolas	Valor
Portfólio de empréstimos agrícolas	US $ 7,2 bilhões
Número de clientes agrícolas	12,500
Tamanho médio de empréstimo agrícola	$576,000

Huntington Bancshares Incorporated (HBAN) - Modelo de negócios: estrutura de custos

Despesas operacionais de ramificação

A partir do quarto trimestre 2023, Huntington Bancshares operava 1.032 agências totais em oito estados. As despesas operacionais anuais da filial para 2023 foram de aproximadamente US $ 687 milhões.

Categoria de despesa	Custo anual
Aluguel e instalações	US $ 247 milhões
Utilitários	US $ 89 milhões
Manutenção	US $ 112 milhões
Segurança	US $ 63 milhões

Investimentos de tecnologia e infraestrutura digital

Em 2023, Huntington Bancshares investiu US $ 327 milhões em tecnologia e infraestrutura digital.

• Desenvolvimento da plataforma bancária digital: US $ 142 milhões
• Aprimoramentos de segurança cibernética: US $ 85 milhões
• Infraestrutura de computação em nuvem: US $ 63 milhões
• AI e tecnologias de aprendizado de máquina: US $ 37 milhões

Salários e benefícios dos funcionários

A compensação total dos funcionários para 2023 foi US $ 1,98 bilhão.

Componente de compensação	Custo anual
Salários da base	US $ 1,42 bilhão
Benefícios de saúde	US $ 276 milhões
Contribuições de aposentadoria	US $ 187 milhões
Bônus de desempenho	US $ 115 milhões

Custos de conformidade regulatória

As despesas de conformidade regulatória para 2023 totalizaram US $ 263 milhões.

• Equipe legal e de conformidade: US $ 97 milhões
• Relatórios e despesas de auditoria: US $ 86 milhões
• Sistemas de tecnologia regulatória: US $ 53 milhões
• Serviços de consultoria externa: US $ 27 milhões

Despesas de marketing e aquisição de clientes

Os gastos de marketing e aquisição de clientes em 2023 foram US $ 214 milhões.

Canal de marketing	Despesas anuais
Publicidade digital	US $ 87 milhões
Mídia tradicional	US $ 62 milhões
Programas de aquisição de clientes	US $ 45 milhões
Patrocínios e eventos comunitários	US $ 20 milhões

Huntington Bancshares Incorporated (HBAN) - Modelo de negócios: fluxos de receita

Receita de juros de empréstimos e produtos de crédito

No quarto trimestre 2023, Huntington Bancshares registrou receita de juros líquidos de US $ 1,35 bilhão. A quebra da carteira de empréstimos inclui:

Categoria de empréstimo	Saldo total de empréstimo
Empréstimos comerciais	US $ 45,6 bilhões
Empréstimos ao consumidor	US $ 29,3 bilhões
Empréstimos hipotecários residenciais	US $ 22,1 bilhões

Taxas bancárias e cobranças de serviço

Em 2023, Huntington gerou US $ 678 milhões em taxas e taxas de serviço, com as seguintes fontes -chave:

• Cobranças de serviço da conta de depósito: US $ 312 milhões
• Taxas de cheque especial: US $ 165 milhões
• Taxas de caixa eletrônico e de transação: US $ 201 milhões

Taxas de investimento e gerenciamento de patrimônio

A receita de gestão de patrimônio para 2023 totalizou US $ 247 milhões, com os seguintes componentes:

Fonte de receita	Quantia
Taxas de gerenciamento de ativos	US $ 129 milhões
Serviços de Consultoria Financeira	US $ 87 milhões
Comissões de corretagem	US $ 31 milhões

Serviços de Gerenciamento do Tesouro

A receita de gerenciamento de tesouraria para 2023 atingiu US $ 193 milhões, com os principais segmentos:

• Serviços de gerenciamento de caixa: US $ 87 milhões
• Processamento de pagamento: US $ 62 milhões
• Soluções financeiras corporativas: US $ 44 milhões

Receita de hipoteca e empréstimos imobiliários

As receitas de empréstimos hipotecários para 2023 totalizaram US $ 412 milhões, com a seguinte quebra:

Categoria de receita hipotecária	Quantia
Origem da hipoteca residencial	US $ 276 milhões
Taxas de manutenção de hipotecas	US $ 89 milhões
Taxas de empréstimos imobiliários	US $ 47 milhões

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.