Financial Performance - Huntington's adjusted Pre-Provision Net Revenue (PPNR) increased by 16% year-over-year to $891 million in 3Q25[20] - The company's Return on Tangible Common Equity (ROTCE) reached 178% GAAP and 174% adjusted[23,28] - Tangible book value per share grew by 10% year-over-year[23] - Adjusted earnings per share (EPS) stood at $040[28,96] Balance Sheet and Loan Growth - Average loans (ADB) experienced a 21% quarter-over-quarter growth and 92% year-over-year growth[28,33] - Average deposits (ADB) increased by 08% quarter-over-quarter and 53% year-over-year[28,41] - The net charge-off ratio was 022% and the allowance for credit losses (ACL) coverage was 186%[28] Noninterest Income - Adjusted noninterest income increased by 14% year-over-year to $606 million[60] - Commercial payment revenues grew by 20%[63] - Wealth management fee revenues increased by 12%[66] Capital and Credit Quality - The adjusted Common Equity Tier 1 (CET1) ratio increased by 30 basis points year-over-year[28] - The company is operating within a target adjusted CET1 operating range of 9-10%[87]