Huntington Bancshares (HBAN) Investor Day 2025 summary

Updated Vision and Strategy

• Aims to be the most people-first, customer-centered bank in the U.S., focusing on trust, culture, indispensable partnerships, and top quartile performance.

• Maintains a differentiated operating model rooted in culture, local delivery, and disciplined risk management, leveraging a scaled, diversified franchise.

• Pursues organic growth, customer experience alignment, and strategic expansion into high-growth markets like the Carolinas and Texas, with plans for 55 new branches in the Carolinas over five years.

• Invests in culture, brand, and customer experience, with continued digital transformation and product innovation, including platforms like Caregiver Banking and One-Tap account opening.

• Focuses on organic growth, with M&A remaining opportunistic and highly selective, prioritizing strategic, financial, and cultural fit.

Financial Guidance and Performance Targets

• Medium-term targets include 6%-9% PPNR growth, 16%-17% ROTCE by 2027, and annual positive operating leverage.

• Consumer & Regional Banking targets 5%+ loan growth, 4%+ deposit growth, and 7%+ fee growth CAGR by 2030.

• Commercial Banking targets 7%+ CAGR for loans and deposits, and 10%+ CAGR for fee growth by 2030.

• Payments business expects 9%+ CAGR in revenue, 12%+ in credit card revenue, and 10%+ in treasury management fees by 2030.

• Wealth Management plans to double AUM to $70B and achieve 12%+ CAGR in AUM, 10%+ in fee revenue, and 9%+ in total revenue by 2030.

Business Developments and Growth Initiatives

• Expanded into North & South Carolina and Texas, adding new commercial verticals and regional banking hubs.

• Enhanced digital storefront and launched new products, including high-yield savings and caregiver banking, to drive customer acquisition.

• Integrated Capstone and TCF acquisitions have driven significant revenue and fee growth, with Capstone advisory fees and synergies exceeding expectations.

• Digital investments have accelerated, with 50% of new checking households originating digitally and a billion digital interactions annually.

• Wealth management business aims to double revenue by 2030, leveraging unified teams and new Preferred Banking offerings.