Company: HBAN
Filing Date: 2025-10-28
Form Type: 10-Q
Source: 0000049196-25-000079
Chunk: 84

Company: HUNTINGTON BANCSHARES INC /MD/
Filing Date: 2025-10-28
Form: 10-Q
Item: Part I, Item 2
Chunk 84
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 portfolio. 

Table 7 - Loan and Lease Portfolio Composition(dollar amounts in millions)At September 30, 2025At December 31, 2024Commercial:Commercial and industrial$62,978 45 %$56,809 43 %Commercial real estate10,732 8 11,078 9 Lease financing5,515 4 5,454 4 Total commercial79,225 57 73,341 56 Consumer:Residential mortgage24,502 18 24,242 19 Automobile15,996 12 14,564 11 Home equity10,314 7 10,142 8 RV and marine5,805 4 5,982 5 Other consumer2,114 2 1,771 1 Total consumer58,731 43 56,701 44 Total loans and leases$137,956 100 %$130,042 100 %

2025 3Q Form 10-Q     15

Our loan and lease portfolio is a managed mix of consumer and commercial credits. We manage the overall credit exposure and portfolio composition via a credit concentration policy. The policy designates specific loan types, collateral types, and loan structures to be formally tracked and assigned maximum exposure limits as a percentage of capital. Commercial lending by NAICS categories, specific limits for CRE project types, loans secured by residential real estate, large dollar exposures, and designated high risk loan categories represent examples of specifically tracked components of our concentration management process. As of September 30, 2025, there were no identified concentrations that exceed the assigned exposure limit. Our concentration management policy is approved by the ROC and is used to ensure a high quality, well-diversified portfolio that is consistent with our overall objective of maintaining an aggregate moderate-to-low risk appetite. Changes to existing concentration limits and incorporating specific information relating to the potential impact on the overall portfolio composition and performance metrics require the approval of the ROC prior to implementation. 

The table below provides our total loan and lease portfolio segregated by industry type. The changes in the industry composition from December 31, 2024 are consistent with the portfolio growth metrics.

Table 8 - Loan and Lease Portfolio by Industry Type(dollar amounts in millions)At September 30, 2025At December 31, 2024Commercial loans and leases:Real estate and rental and leasing (1)$15,271 11 %$15,