Huntington Bancshares Inc Investor Day Transcript

The following is excerpted from the question-and-answer section of the transcript.

Question: Brian Foran - Truist Securities - Analyst : Hey, it's Brian Foran, Truist. I want to ask about Carolina versus Texas, and I know it's not quite as simple as this, but you know Carolina you're doing everything retail and commercial together. Texas is a little bit more commercial focused. What it is about the retail branch and wealth opportunity in Texas that puts it lower on the priority list or less attractive than the Carolinas.

Question: Bill Carcache - Wolfe Research - Analyst : Amit following up on some of your commentary around the partnerships in particular historically we've seen a lot of relationships between, banks that own the customer relationship and merchant acquires who have sort of capabilities in the technology front and can excel there and maybe could you give a little bit more color on the partnership that you described is there kind of like the technological capabilities being provided by the partner? Is that like a white label service where. That's they're kind of in the background and it's HBAN that owns a relationship with the merchant and therefore the ability to grow deposits and volume and all that can come from that, how that's different now as a result of this partnership versus historically when Huntington didn't have those calories.

Question: Brian Foran - Truist Securities - Analyst : Hey Brian Foran from Truist, hiring, can you just speak to, obviously some really big wins, team hiring, vertical hiring, the bankers in the new states. The past two years have also been a time when a lot of your competitors were struggling or even disappearing as the industry kind of stabilizes and improves, what's the current environment for hiring? Do you have that kind of still differentiated ability to hire at reasonable terms?