Huntington Bancshares Incorporated (HBAN) Q4 2025 Earnings Call

Investor webinar replay

Replay transcript excerpt

Greetings and welcome to the Huntington Bank Shares 4th Quarter 2025 Earnings Conference Call and Webcast. At this time, all participants are in listen-only mode. A question and answer session will follow the formal presentation. You may be placed into question queue at any time by pressing star 1 on your telephone keypad. We ask that you please ask one question and one follow-up and return to the queue. If anyone should require operator assistance, please press star 0 on your telephone keypad. As a reminder, this conference is being recorded. It's now my pleasure to turn the call over to Eric Wasserstrom, Director of Investor Relations. Eric, please go ahead. Thank you. Good morning and welcome, everyone, to our fourth quarter call. Our presenters today are Steve Steinauer, Chairman, President, and CEO, Grant Stanridge, our President of Consumer and Regional Banking, and Zach Wasserman, Chief Financial Officer. Brendan Lawler, Chief Credit Officer, will join us for the Q&A. Earnings documents, which include our forward-looking statements disclaimer and non-GAAP information and copies of the slides we'll be reviewing today, are available on the investor relations section of our website, which is www.ir.huntington.com. As a reminder, this call is being recorded and a replay will be available starting about one hour after the close of the call. With that, let me now turn it over to Steve. Thanks, Eric. Good morning and thank you for joining us. Beginning on slide three, As we enter 2026, the year of Huntington's 160th anniversary, it's a moment of pride, but even more a moment of anticipation. Our heritage and deeply rooted values continue to guide us, yet it's the opportunity ahead that energizes us. We're focused on becoming the country's leading people-first, custom...