Huntington Bancshares (HBAN) 2025 Earnings Call Presentation

Financial Performance & Growth - Huntington National Bank is delivering on organic growth strategies with a diversified customer base[8] - The bank is driving robust profit growth through expanded net interest margin, higher fee revenues, and efficient expense management[8] - The company has a cumulative growth rate of average loans and average deposits[11] - The bank's earnings growth supports capital priorities[29] - The company has a +13% Year-over-Year adjusted CET1 Ratio[32] Asset Quality & Risk Management - The bank is achieving strong credit performance through disciplined client selection and rigorous portfolio management[8] - The bank has a top-tier asset quality and reserve profile[17] - Consumer loans account for 43% of total loans, while commercial loans account for 57%[17, 18] Strategic Initiatives - The company is driving growth via share gains and executional outperformance[26] - The bank is building on a position of strength with national expertise[25] - The management focus is on driving value through accelerated Tangible Book Value (TBV) accretion and expanding long-term returns[37]