Company: HBAN
Filing Date: 2025-07-29
Form Type: 10-Q
Source: 0000049196-25-000063
Chunk: 104

Company: HUNTINGTON BANCSHARES INC /MD/
Filing Date: 2025-07-29
Form: 10-Q
Item: Part I, Item 2
Chunk 104
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 compliance experts dedicated to ensuring our conformance with all applicable laws, rules, and regulations. Our colleagues receive training for several broad-based laws and regulations including, but not limited to, anti-money laundering and customer privacy. Additionally, colleagues engaged in lending activities receive training for laws and regulations related to flood disaster protection, equal credit opportunity, fair lending, and/or other courses related to the extension of credit. We hold ourselves to a high standard for adherence to compliance management and seek to continuously enhance our performance.

CAPITAL 

Our primary capital objective is to maintain appropriate levels of capital within our Board-approved risk appetite to support the Bank’s operations, absorb unanticipated losses and declines in asset values, and provide protection to uninsured depositors and debt holders in the event of liquidation, while also funding organic growth and providing appropriate returns to our shareholders. We manage regulatory capital and shareholders’ equity at the Bank and on a consolidated basis. We have an active program for managing capital, and we maintain a comprehensive process for assessing our overall capital adequacy, including the monitoring and reporting of capital risk metrics to the Board and ROC that we believe are useful for evaluating capital adequacy and making capital decisions. In addition to as-reported regulatory capital and tangible common equity metrics, we also actively monitor other measures of capital, such as tangible common equity including the mark-to-market impact on HTM securities and CET1 including the impact of AOCI excluding cash flow hedges. We believe our current levels of both regulatory capital and shareholders’ equity are adequate. 

The following table presents certain regulatory capital data at both the consolidated and Bank level.

Table 21 - Regulatory Capital Data (1)(dollar amounts in millions)At June 30, 2025At December 31, 2024Consolidated:CET1 risk-based capital ratio10.5 %10.5 %Tier 1 risk-based capital ratio11.8 11.9 Total risk-based capital ratio14.1 14.3 Tier 1 leverage ratio8.5 8.6 CET1 risk-based capital$15,539 $15,127 Tier 1 risk-based capital17,538 17,126 Total risk-based capital21,003 20,565 Total risk-weighted assets148,602 143,650 Bank:CET1 risk-based capital ratio11.4 %11.6 %Tier 1 risk-based capital ratio12.2 12.4 Total risk-based capital ratio13.9 14