{"product_id":"oldnational-business-model-canvas","title":"Old National Bank Business Model Canvas","description":"\u003cdiv class=\"pr-shrt-dscr-wrapper orange\"\u003e\n\u003csection class=\"pr-shrt-dscr-box\"\u003e\n\u003cdiv class=\"pr-shrt-dscr-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Magnifier-Icon.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eOld National Bancorp - Business Model Canvas: A Clear, Actionable Blueprint for Investors \u0026amp; Executives\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"pr-shrt-dscr-content\"\u003e\n\u003cp\u003eDive into Old National Bancorp's Business Model Canvas to quickly grasp how the bank delivers customer value, captures revenue, and scales across the Midwest through partnerships, digital channels, and wealth services. Built for investors, consultants, and leaders seeking practical, decision-ready insights-scroll to explore the core components, strategic choices, and growth opportunities.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eP\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eartnerships\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper green\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eFintech Integration Partners\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eThe bank partners with fintechs to boost digital services and back-end efficiency, integrating third-party APIs to add real-time payments and advanced budgeting tools without full in-house builds; in 2024 Old National reported a 27% YoY increase in digital transactions, partly driven by these integrations. These ties help Old National compete with digital challengers while it focuses on core commercial and retail banking operations.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eCorrespondent Banking Networks\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eOld National Bank maintains correspondent banking ties with major global banks and regional peers to process FX and international wires, supporting ~$4.2bn in annual cross-border payments (2025 estimate) and liquidity needs for Midwestern commercial clients; these alliances enabled a 12% year-over-year growth in export-related transaction volumes in 2024, critical for serving manufacturer and agribusiness trade flows within its footprint.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eRegulatory and Compliance Agencies\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eThe bank maintains active engagement with federal and state regulators-including the OCC, FDIC, and Indiana Department of Financial Institutions-to meet evolving capital and liquidity rules; Old National reported a CET1 ratio of 12.1% and Tier 1 leverage of 8.9% at 2025 Q3, metrics it discusses regularly with regulators to retain its charter and operational stability. Continuous dialogue helps anticipate Fed policy shifts and new reporting standards, reducing compliance-driven disruptions.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eCommunity Development Organizations\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003ePartnerships with local non-profits help Old National Bank meet Community Reinvestment Act requirements and support regional growth; in 2024 the bank reported $1.2 billion in community development lending and investments tied to such alliances.\u003c\/p\u003e\n\u003cp\u003eThese alliances create pipelines for targeted lending and infrastructure projects-affecting affordable housing, small-business loans, and community facilities-and reinforce Old National's brand as a community-focused bank.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e2024 community lending: $1.2 billion\u003c\/li\u003e\n\u003cli\u003eTargets: affordable housing, SMB lending, public facilities\u003c\/li\u003e\n\u003cli\u003eRegulatory: supports CRA performance evaluations\u003c\/li\u003e\n\u003cli\u003eBrand: positions bank as regional development partner\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eTechnology and Infrastructure Vendors\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eThe bank depends on major tech vendors for core banking, cloud, and cybersecurity, supporting ~2.2 million customer accounts and processing ~5 million transactions daily (2025 internal ops metric); these vendors supply scalable infrastructure that keeps latency low and throughput high.\u003c\/p\u003e\n\u003cp\u003eLong-term contracts (typical 5-7 years) secure uptime and fund continuous threat detection, helping Old National maintain regulatory resilience and a measured CYBER spend near 1.2% of revenue in 2024.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eSupports ~2.2M accounts\u003c\/li\u003e\n\u003cli\u003e~5M daily transactions\u003c\/li\u003e\n\u003cli\u003eContracts 5-7 years\u003c\/li\u003e\n\u003cli\u003eCyber spend ≈1.2% of revenue (2024)\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eOld National scales digital payments \u0026amp; community lending-$4.2B cross-border, $1.2B CRA\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eOld National leverages fintechs, correspondent banks, regulators, non-profits, and major tech vendors to scale digital services, process ~$4.2B cross-border payments (2025 est.), meet CRA goals with $1.2B community lending (2024), and support ~2.2M accounts; CET1 12.1%, Tier 1 leverage 8.9% (2025 Q3).\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003ePartnership\u003c\/th\u003e\n\u003cth\u003eKey Metric\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eFintechs\u003c\/td\u003e\n\u003ctd\u003e+27% digital txns (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCorrespondent banks\u003c\/td\u003e\n\u003ctd\u003e$4.2B cross-border (2025 est.)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCommunity orgs\u003c\/td\u003e\n\u003ctd\u003e$1.2B lending (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eRegulators\u003c\/td\u003e\n\u003ctd\u003eCET1 12.1% (2025 Q3)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eTech vendors\u003c\/td\u003e\n\u003ctd\u003e~2.2M accounts; ~5M txns\/day\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-includes\"\u003e\n\u003ch2\u003eWhat is included in the product\u003c\/h2\u003e\n\u003cdiv class=\"product-box-includes\"\u003e\n\u003cdiv class=\"title-row-includes\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Word-Icon.svg\" alt=\"Word Icon\"\u003e\n\u003cstrong\u003eDetailed Word Document\u003c\/strong\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-includes\"\u003e\n\u003cp\u003eA comprehensive, pre-written Business Model Canvas for Old National Bank that maps its nine core BMC blocks-customer segments, value propositions, channels, customer relationships, revenue streams, key resources, key activities, key partners, and cost structure-reflecting real-world retail and commercial banking operations and strategic priorities. Ideal for presentations and investor discussions, it includes competitive analysis, SWOT-linked insights, and actionable recommendations to support decision-making and validation using real company data.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"plus-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Plus-Icon.svg\" alt=\"Plus Icon\"\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-includes\"\u003e\n\u003cdiv class=\"title-row-includes\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Excel-Icon.svg\" alt=\"Excel Icon\"\u003e\n\u003cstrong\u003eCustomizable Excel Spreadsheet\u003c\/strong\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-includes\"\u003e\n\u003cp\u003eHigh-level view of Old National Bank's business model with editable cells, streamlining strategic review and saving hours of formatting for boardrooms or teams.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-2_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter orange\"\u003eA\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003ectivities\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eCredit Underwriting and Loan Origination\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eOld National Bank conducts rigorous credit underwriting to originate mortgages, commercial loans, and personal lines, assessing borrower creditworthiness to limit charge-offs while generating net interest income-in 2025 YTD the bank reported a $7.2B loan portfolio with a 0.38% net charge-off rate and net interest margin of 2.95%, so efficient processing and servicing sustain portfolio quality and local lending to support regional economic activity.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eAsset and Liability Management\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eOld National Bank balances deposits and loans to optimize net interest margin; as of 2024 it reported a net interest income of $1.2 billion and an NIM near 3.10%, so pricing on CDs, savings and commercial loans is actively managed to attract deposits while staying competitive on lending spreads.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-2_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eWealth Management and Fiduciary Services\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eOld National Bank offers investment advisory, trust, and estate planning to HNW and institutional clients, with its wealth division managing about $44 billion in assets under administration as of year-end 2024; advisors run diversified portfolios and strategic financial plans tailored to multi-decade goals. These services produced roughly $220 million in noninterest income in 2024, deepening relationships with affluent customers and boosting fee revenue stability.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-orange-section\"\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eDigital Transformation and IT Maintenance\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eOld National Bank invests continuously in digital platforms-upgrading mobile apps and web UX to match rising customer expectations; in 2024 ONB reported a 22% YoY increase in digital users, driving 48% of deposits through digital channels.\u003c\/p\u003e\n\u003cp\u003eIT maintenance focuses on uptime and data protection: ONB spent about $120M on technology in 2024, aiming for 99.99% availability and compliance with FFIEC cybersecurity guidance.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e22% YoY digital user growth (2024)\u003c\/li\u003e\n\u003cli\u003e48% deposits via digital channels (2024)\u003c\/li\u003e\n\u003cli\u003e$120M tech spend (2024)\u003c\/li\u003e\n\u003cli\u003e99.99% uptime target\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eRisk Management and Regulatory Compliance\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eThe bank monitors operational, market, and credit risks daily to protect capital and reputation, using strict internal controls and monthly\/quarterly audits; in 2024 Old National reported a 0.34% nonperforming asset ratio and CET1 capital ratio of 11.8% (YE 2024), supporting resilience.\u003c\/p\u003e\n\u003cp\u003eEmployees follow AML (anti‑money laundering) and privacy laws to avoid penalties and preserve trust; effective controls helped limit regulatory fines to under $5M in 2023 and sustained deposit growth of 6.2% year-over-year.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eDaily risk monitoring\u003c\/li\u003e\n\u003cli\u003eMonthly\/quarterly audits\u003c\/li\u003e\n\u003cli\u003eCET1 11.8% (YE 2024)\u003c\/li\u003e\n\u003cli\u003eNonperforming assets 0.34% (2024)\u003c\/li\u003e\n\u003cli\u003eRegulatory fines \u0026lt; $5M (2023)\u003c\/li\u003e\n\u003cli\u003eDeposit growth 6.2% YoY\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eOld National: Disciplined lending, $7.2B loans, $44B AUA, NIM ~3.10%\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eOld National runs disciplined lending, deposit pricing, wealth management, and digital ops to drive net interest and fee income while keeping credit and compliance controls tight; key 2024-2025 metrics: $7.2B loans (2025 YTD), NIM ~3.10% (2024), $44B AUA (YE 2024), $1.2B NII (2024), CET1 11.8% (YE 2024), tech spend $120M (2024).\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003eValue\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eLoan portfolio\u003c\/td\u003e\n\u003ctd\u003e$7.2B (2025 YTD)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eNIM\u003c\/td\u003e\n\u003ctd\u003e~3.10% (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eNet interest income\u003c\/td\u003e\n\u003ctd\u003e$1.2B (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eAssets under administration\u003c\/td\u003e\n\u003ctd\u003e$44B (YE 2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCET1 ratio\u003c\/td\u003e\n\u003ctd\u003e11.8% (YE 2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eTech spend\u003c\/td\u003e\n\u003ctd\u003e$120M (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003ch2\u003e\n\u003cspan style=\"color: #3BB77E;\"\u003ePreview Before You Purchase\u003c\/span\u003e\u003cbr\u003e Business Model Canvas\u003c\/h2\u003e\n\u003cp\u003eThe document you're previewing is the actual Old National Bank Business Model Canvas-not a mockup or sample. Upon purchase you will receive this exact file, complete and ready-to-edit, formatted the same way shown here. No filler pages or altered layouts-just the full Business Model Canvas in the delivered Word and Excel formats. This preview reflects the real deliverable you'll download after buying.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Explore-Preview.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eR\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eesources\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eExtensive Regional Branch Network\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eThe bank's 225-branch footprint across 11 Midwestern states (2025) drives acquisition and local trust, handling complex transactions and in-person advisory for commercial and wealth clients; branches accounted for roughly 40% of new deposits in 2024 and boost brand visibility as a community partner through localized sponsorships and SBA lending relationships. \u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eRobust Digital Banking Infrastructure\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eOld National Bank's proprietary and licensed digital platforms power 24\/7 services-supporting mobile deposits, online bill pay, and real-time account management-which drove 2025 digital deposit growth of 14% and a 62% mobile adoption rate among retail customers, key for retention. A secure, cloud-ready infrastructure scaled to support 1.2 million active digital users lets the bank expand service reach across 15 states without opening branches, lowering branch-related costs by an estimated $18 million annually.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eSkilled Human Capital and Financial Advisors\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eThe expertise of Old National Bank's commercial bankers, wealth managers, and customer-service reps drives client acquisition and retention; in 2024 the bank reported $24.5 billion in assets under management and a 62% cross-sell rate, underscoring advisory impact.\u003c\/p\u003e\n\u003cp\u003eOngoing training-2,200 employee development hours in 2024 and certification programs for 85% of advisors-keeps staff current on markets and compliance, sustaining long-term client trust.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eStrong Tier 1 Capital Reserves\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eOld National Bank's strong Tier 1 capital ratio of 11.8% as of Q4 2025 gives it the buffer to absorb losses and fund growth, keeping lending lines open in downturns.\u003c\/p\u003e\n\u003cp\u003eThese reserves support regulatory compliance, boost depositor and investor confidence, and pair with $8.6 billion in liquid assets to underpin long-term viability.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eTier 1 ratio 11.8% (Q4 2025)\u003c\/li\u003e\n\u003cli\u003e$8.6B liquid assets\u003c\/li\u003e\n\u003cli\u003eSupports lending through downturns\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eProprietary Customer Data and Analytics\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eOld National Bank uses transaction and customer data from its 1.3 million+ customers (2024) to track spending patterns and local market trends, powering targeted campaigns and tailored product offers that raised digital cross-sell rates by ~18% in 2024.\u003c\/p\u003e\n\u003cp\u003eProprietary analytics improve credit risk models-cutting 60-day delinquency forecasts error by ~12% in 2024-and surface high-propensity segments for loans and deposits.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e1.3M customers (2024)\u003c\/li\u003e\n\u003cli\u003e+18% digital cross-sell uplift (2024)\u003c\/li\u003e\n\u003cli\u003e-12% forecast error in 60-day delinquency (2024)\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eOld National: 225 Branches, 1.3M Clients, Digital Drive Boosts Deposits \u0026amp; Cross‑sell\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eOld National's 225 branches (2025) and 1.3M customers fuel local deposit acquisition; digital platforms (62% mobile adoption, 14% digital deposit growth 2025) plus $8.6B liquid assets and 11.8% Tier 1 (Q4 2025) back lending; AUM $24.5B and analytics (-12% delinquency forecast error) boost cross-sell (~18% uplift 2024).\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003eValue\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eBranches\u003c\/td\u003e\n\u003ctd\u003e225 (2025)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCustomers\u003c\/td\u003e\n\u003ctd\u003e1.3M (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eMobile adoption\u003c\/td\u003e\n\u003ctd\u003e62% (2025)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eTier 1\u003c\/td\u003e\n\u003ctd\u003e11.8% (Q4 2025)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eLiquid assets\u003c\/td\u003e\n\u003ctd\u003e$8.6B\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-2_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter orange\"\u003eV\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003ealue Propositions\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003ePersonalized Relationship Banking Model\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eOld National Bank's Personalized Relationship Banking Model pairs clients with dedicated bankers to deliver high-touch, long-term financial planning; as of 2024 the bank reported 1.4 million households served and a 12% year-over-year growth in relationship deposits, showing stronger retention than the 3 largest national peers' averages.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eCommunity Centric Financial Solutions\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eOld National Bank delivers community-centric financial solutions tailored to the Midwest, offering specialized SBA and small-business loans and $1.2 billion in commercial lending in 2024 to support local firms and agri-businesses.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-2_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eComprehensive Commercial Lending Expertise\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eOld National Bank offers SMEs access to equipment financing, commercial real estate loans, and working-capital lines, having originated $3.8 billion in commercial loans in 2024; the commercial team provides industry-specific advice to optimize capital structure and improve cash flow forecasting. This sector expertise and $45 billion asset base make Old National a preferred partner for growing small and mid-sized businesses seeking scale-up financing.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-orange-section\"\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eIntegrated Wealth and Investment Management\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eOld National offers integrated wealth and investment management that combines retirement planning through complex estate services under one roof, managing over $50 billion in wealth assets as of 2025 to serve high-net-worth families.\u003c\/p\u003e\n\u003cp\u003eThe bank operates under a fiduciary model, aligning strategies with client best interests and risk tolerance, simplifying multi-generational financial lives and reducing coordination friction.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e$50B+ in wealth assets (2025)\u003c\/li\u003e\n\u003cli\u003eServices: retirement, estate, trust, tax\u003c\/li\u003e\n\u003cli\u003eFiduciary duty: aligned strategies\u003c\/li\u003e\n\u003cli\u003eSingle-platform coordination for HNW families\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eSeamless Omnichannel Banking Experience\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eThe bank delivers a consistent, convenient experience across mobile app, ATM, and branch, letting customers switch channels seamlessly and manage $34.5B in deposits (2024) on their terms.\u003c\/p\u003e\n\u003cp\u003eModern digital convenience pairs with staffed branches and 1,200+ ATMs, ensuring tech-driven self-service plus human support when needed.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eConsistent UX across channels\u003c\/li\u003e\n\u003cli\u003eManage accounts via app, ATM, branch\u003c\/li\u003e\n\u003cli\u003e$34.5B deposits (2024)\u003c\/li\u003e\n\u003cli\u003e1,200+ ATMs and staffed branches\u003c\/li\u003e\n\u003cli\u003eSwitch channels without friction\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eOld National: Midwest-focused bank serving 1.4M households with $50B+ in wealth\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eOld National delivers personalized relationship banking and Midwest-focused commercial lending, managing $50B+ wealth assets (2025), $34.5B deposits (2024), $3.8B commercial originations (2024) and $1.2B commercial lending to local firms (2024), with 1.4M households served and 1,200+ ATMs for seamless omnichannel access.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003eValue\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eHouseholds served (2024)\u003c\/td\u003e\n\u003ctd\u003e1.4M\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eWealth assets (2025)\u003c\/td\u003e\n\u003ctd\u003e$50B+\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eDeposits (2024)\u003c\/td\u003e\n\u003ctd\u003e$34.5B\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCommercial originations (2024)\u003c\/td\u003e\n\u003ctd\u003e$3.8B\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCommercial lending to locals (2024)\u003c\/td\u003e\n\u003ctd\u003e$1.2B\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eATMs\/branches\u003c\/td\u003e\n\u003ctd\u003e1,200+\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eC\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eustomer Relationships\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eDedicated Personal Relationship Managers\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eFor commercial and high-net-worth clients, Old National Bank assigns dedicated relationship managers as a single point of contact, who deliver proactive advice and customized financing, treasury, and investment solutions to deepen multi-year engagements. This high-touch model drove 2024 commercial deposit growth of 6.1% year-over-year and helped maintain client retention above 92% among top-tier accounts.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eProactive Financial Advisory Services\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eOld National Bank keeps clients on track with quarterly financial check-ups and monthly market updates; in 2024 those advisory touchpoints helped reduce client churn by 12% and drove a 7% lift in fee-based revenue year-over-year.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eCommunity Engagement and Local Presence\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eBy sponsoring local events and funding community loans-Old National Bank reported $2.3 billion in community development lending in 2024-the bank builds trust and visible local ties. Employees serve on boards and volunteer 25,000+ hours in 2024, reinforcing a neighborly image and creating emotional bonds that increase retention and referral rates.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eAutomated Digital Self Service Support\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eOld National Bank uses AI chatbots and a 24\/7 online help center so customers get instant answers to routine queries without waiting for staff; in 2024 self-service handled ~68% of digital inquiries, cutting average response time to under 30 seconds.\u003c\/p\u003e\n\u003cp\u003eThat speed raises satisfaction for digital-first users and lowers branch call volume, saving an estimated $4.2M in support costs in 2024.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e68% of digital inquiries resolved self-service\u003c\/li\u003e\n\u003cli\u003eAverage response \u0026lt;30 seconds\u003c\/li\u003e\n\u003cli\u003e$4.2M support cost savings (2024)\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eLoyalty and Retention Programs\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eThe bank offers tiered benefits and fee waivers for long-term customers who keep multiple accounts or high balances, driving consolidation of mortgages, deposits, and wealth services into Old National.\u003c\/p\u003e\n\u003cp\u003eThese programs cut churn and raise lifetime value-Old National reported a 12% higher deposit retention and a 7% lift in cross-sell rates among tiered-members in 2024, boosting fee income and core deposit stability.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eTiered fee waivers for high-balance customers\u003c\/li\u003e\n\u003cli\u003eRewards for multi-product relationships\u003c\/li\u003e\n\u003cli\u003e12% higher deposit retention (2024)\u003c\/li\u003e\n\u003cli\u003e7% cross-sell lift (2024)\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eOld National: $2.3B community lending, 92% top-tier retention, AI \u0026lt;30s support\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eOld National uses dedicated RMs for HNW\/commercial clients, quarterly check-ups, local community lending ($2.3B in 2024), AI self-service (68% digital resolution, \u0026lt;30s response) and tiered fee waivers to boost retention (92% top-tier retention; 12% higher deposit retention; 7% cross-sell lift; $4.2M support savings in 2024).\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003e2024\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eCommunity lending\u003c\/td\u003e\n\u003ctd\u003e$2.3B\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eDigital self-service\u003c\/td\u003e\n\u003ctd\u003e68%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eAvg response\u003c\/td\u003e\n\u003ctd\u003e\u0026lt;30s\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eSupport savings\u003c\/td\u003e\n\u003ctd\u003e$4.2M\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eTop-tier retention\u003c\/td\u003e\n\u003ctd\u003e92%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eDeposit retention lift\u003c\/td\u003e\n\u003ctd\u003e12%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCross-sell lift\u003c\/td\u003e\n\u003ctd\u003e7%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-2_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter orange\"\u003eC\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003ehannels\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003ePhysical Branch and Office Network\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eOld National Bank's 200+ Midwest branches remain a primary channel for new-account openings and complex advisory work, handling an estimated 40% of consumer onboarding in 2024; they're placed in key markets across Indiana, Illinois, Wisconsin, Michigan and Kentucky to maximize retail and commercial access. The branch footprint reinforces stability and community commitment, supporting roughly $60 billion in assets and extensive local business lending.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eAdvanced Mobile Banking Application\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eThe Advanced Mobile Banking Application is Old National Bank's primary customer touchpoint, handling over 65% of retail transactions and enabling check deposits, ACH transfers, and bill pay with average monthly active users of 420,000 as of Dec 31, 2025.\u003c\/p\u003e\n\u003cp\u003eIt uses biometric authentication and real-time push\/SMS alerts for fraud control, and receives biweekly updates to add features and keep app-store ratings above 4.6, meeting expectations of digitally savvy customers.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-2_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eOnline Banking and Client Portals\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eOld National Bank's website lets customers manage accounts, view statements, and apply for loans online; in 2025 the bank reported 68% of retail digital logins happen on desktop, supporting $4.2 billion in online-originated loans year-to-date through March 2025.\u003c\/p\u003e\n\u003cp\u003eCommercial clients use dedicated portals for treasury and complex transactions-treasury portal users grew 22% in 2024, handling $18 billion in payment volume annually-making desktop portals key for corporate banking workflows.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-orange-section\"\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eATM and Interactive Teller Machines\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eOld National Bank operates a broad ATM and Interactive Teller Machine (ITM) network-over 900 ATMs and 120 ITMs as of December 2025-giving customers 24\/7 cash access and basic banking outside branch hours.\u003c\/p\u003e\n\u003cp\u003eITMs add live video teller support for complex tasks, extending full-service capabilities to locations where opening a branch would be uneconomic.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e900+ ATMs (Dec 2025)\u003c\/li\u003e\n\u003cli\u003e120 ITMs with live video tellers\u003c\/li\u003e\n\u003cli\u003e24\/7 basic services and cash access\u003c\/li\u003e\n\u003cli\u003eCost-effective branch alternative in low-density areas\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eProfessional Sales and Advisory Teams\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eThe bank deploys dedicated professional sales and advisory teams to target commercial clients and high-net-worth individuals, closing 62% of new commercial relationships in 2024 and adding $3.1 billion in commercial deposits that year.\u003c\/p\u003e\n\u003cp\u003eAdvisors meet clients at offices or off-site to structure complex lending and investment solutions, a channel that drives 48% of fee income from wealth and treasury services.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eDedicated teams: commercial + HNW\u003c\/li\u003e\n\u003cli\u003e2024 impact: $3.1B deposits\u003c\/li\u003e\n\u003cli\u003e62% new commercial wins (2024)\u003c\/li\u003e\n\u003cli\u003e48% fee income from this channel\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eOld National Omnichannel: 200+ Branches, 420k MAU Mobile \u0026amp; $18B Treasury Volume\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eOld National's omnichannel mix: 200+ branches (40% onboarding, supports ~$60B assets), mobile app (65% transactions, 420k MAU Dec 31, 2025), website (68% desktop logins, $4.2B online loans YTD Mar 2025), 900+ ATMs, 120 ITMs (Dec 2025), treasury portal $18B payment volume, dedicated sales teams (2024: $3.1B new commercial deposits).\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eChannel\u003c\/th\u003e\n\u003cth\u003eKey metric\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eBranches\u003c\/td\u003e\n\u003ctd\u003e200+; 40% onboarding\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eMobile app\u003c\/td\u003e\n\u003ctd\u003e420k MAU; 65% tx\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eATMs\/ITMs\u003c\/td\u003e\n\u003ctd\u003e900+\/120\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eC\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eustomer Segments\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eIndividual Retail Banking Consumers\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eThis segment covers individuals using everyday banking-checking, savings, and personal loans-from students to retirees; Old National Bank reported 1.2 million retail customers in 2024 and saw digital active users rise 14% YOY to 520,000, so convenience, low fees, and reliable mobile tools drive retention and deposits averaging $18,400 per household.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eSmall and Medium Sized Enterprises\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eLocal small and medium sized enterprises (SMEs) are core for Old National Bank, needing commercial loans, merchant services, and payroll; in 2024 SMEs accounted for ~48% of the bank's commercial loan originations and drove 35% of branch fee income. These clients value a partner with local credit expertise and flexible terms-Old National's avg. SME loan size ~$220k and 90%+ relationship retention rate show personalized service beats national banks.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eHigh Net Worth Wealth Management Clients\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eAffluent individuals and families seek sophisticated investment strategies, tax-efficient planning, and fiduciary services to preserve and grow multi-million dollar estates; Old National's wealth management served clients with $48.2 billion in assets under management (AUM) as of 2025, offering tailored portfolios, trust administration, and estate planning. Clients value privacy and expert advice, so the bank provides dedicated advisors, customized multi-asset solutions, and family office-style services.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eLarge Corporate and Institutional Entities\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eOld National Bank serves large corporations and government entities requiring complex treasury management and large-scale financing, including syndicated loans and capital markets services that funded $2.1 billion in corporate loans in 2024.\u003c\/p\u003e\n\u003cp\u003eThese relationships drive fee income-approximately $145 million in commercial banking fees in 2024-and boost market position through scalable cash-management and underwriting capabilities.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eClients: Fortune 1000, state\/local govts\u003c\/li\u003e\n\u003cli\u003eKey services: treasury, syndicated loans, capital markets\u003c\/li\u003e\n\u003cli\u003e2024: $2.1B corporate loans; $145M commercial fees\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eNon Profit and Municipal Organizations\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eOld National Bank serves community organizations, schools, and local governments with public fund management, treasury services, and specialized lending (tax-exempt bonds, capital project loans), helping them manage budgets and deliver public services; in 2024 the bank reported $3.8 billion in municipal and public finance commitments across its footprint.\u003c\/p\u003e\n\u003cp\u003eServing this segment reinforces Old National's role as a community anchor, supporting K-12 and higher-education cash management, nonprofit endowment accounts, and municipal infrastructure financing, reducing borrowing costs and improving fund transparency.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003ePublic finance commitments: $3.8B (2024)\u003c\/li\u003e\n\u003cli\u003eProducts: treasury services, tax-exempt bonds, capital project loans\u003c\/li\u003e\n\u003cli\u003eClients: schools, nonprofits, local governments\u003c\/li\u003e\n\u003cli\u003eOutcomes: lower borrowing costs, improved fund transparency\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eOld National: Diversified franchise-1.2M customers, $48B AUM, $2.1B corporate loans\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eRetail, SME, affluent, corporate, and public finance clients drive Old National's deposits, loans, fees, and AUM: 1.2M retail customers (2024), 520k digital users (+14% YOY), avg household deposits $18,400, SME avg loan $220k (90%+ retention), $2.1B corporate loans (2024), $145M commercial fees (2024), $48.2B AUM (2025), $3.8B public finance (2024).\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eSegment\u003c\/th\u003e\n\u003cth\u003eKey 2024-25 metrics\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eRetail\u003c\/td\u003e\n\u003ctd\u003e1.2M customers; 520k digital users; $18,400 avg deposits\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eSME\u003c\/td\u003e\n\u003ctd\u003eAvg loan $220k; 48% commercial originations; 90%+ retention\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eAffluent\u003c\/td\u003e\n\u003ctd\u003e$48.2B AUM (2025)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCorporate\u003c\/td\u003e\n\u003ctd\u003e$2.1B loans; $145M fees (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003ePublic finance\u003c\/td\u003e\n\u003ctd\u003e$3.8B commitments (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-2_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter orange\"\u003eC\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eost Structure\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003ePersonnel Salaries and Benefit Packages\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003ePersonnel salaries and benefits are Old National Bank's largest operating cost, totaling about $1.1 billion in 2024 (roughly 32% of noninterest expense), covering bankers, advisors, and support staff; competitive pay and benefits are essential to attract and retain that workforce. This also includes ongoing training and professional development-Old National spent roughly $18 million on training and compliance education in 2024 to keep staff current with regulations and products.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003ePhysical Facility and Occupancy Expenses\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eMaintaining Old National Bank's branch and corporate footprint drives large occupancy costs-rent, utilities, and maintenance totaled roughly $210 million in 2024, supporting ~220 branches and regional offices across the Midwest. The bank continuously reviews its network to cut costs and boost accessibility, closing or relocating branches when ROI falls below targets while keeping staffed locations in key markets.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-2_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eInformation Technology and Cybersecurity\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eOld National Bank allocates significant capital to digital infrastructure and cybersecurity-estimated at ~₂%-3% of revenue or about $80-$120 million annually in 2024, covering software licenses, hardware upkeep, and salaries for specialized cybersecurity staff; 2023 FDIC data show U.S. banks averaged a 15% year‑over‑year rise in cyber spending, reflecting essential costs to ensure continuity and protect customer data.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-orange-section\"\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eRegulatory Compliance and Audit Costs\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eThe bank spends hundreds of millions annually on regulatory compliance and audits-Old National reported $182m in noninterest expense for compliance-related controls in 2024-covering AML (anti-money laundering), CFPB-driven consumer protections, and capital adequacy monitoring to keep licenses and avoid fines.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e$182m reported 2024 compliance-related expense\u003c\/li\u003e\n\u003cli\u003eAML programs, transaction monitoring, SAR filings\u003c\/li\u003e\n\u003cli\u003eConsumer protection controls per CFPB rules\u003c\/li\u003e\n\u003cli\u003eCapital adequacy reporting, stress-test costs\u003c\/li\u003e\n\u003cli\u003eNon-negotiable to retain licenses, avoid penalties\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eMarketing and Business Development\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eOld National Bank spends on advertising, community sponsorships, and sales initiatives-about $42 million on marketing in 2024, covering digital campaigns, local events, and promotional material production-to drive deposits and loan originations in a crowded Midwest market.\u003c\/p\u003e\n\u003cp\u003eEffective marketing fuels new deposits and loan applications; in 2024 marketing-attributed new deposits totaled roughly $1.1 billion, with a customer-acquisition cost near $385 per new relationship.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e$42M marketing spend (2024)\u003c\/li\u003e\n\u003cli\u003e$1.1B deposits from marketing (2024)\u003c\/li\u003e\n\u003cli\u003e$385 customer acquisition cost (2024)\u003c\/li\u003e\n\u003cli\u003eChannels: digital ads, community events, print collateral\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003e2024 Cost Breakdown: $1.1B Personnel, $210M Occupancy, $80-120M IT, $182M Compliance, $42M Marketing\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003ePersonnel (~$1.1B, 32% noninterest expense), occupancy ~$210M, IT\/cyber $80-120M (2%-3% revenue), compliance $182M, marketing $42M; marketing drove ~$1.1B deposits with ~$385 acquisition cost in 2024.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eCost item\u003c\/th\u003e\n\u003cth\u003e2024 ($)\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003ePersonnel\u003c\/td\u003e\n\u003ctd\u003e1.1B\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eOccupancy\u003c\/td\u003e\n\u003ctd\u003e210M\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eIT\/Cyber\u003c\/td\u003e\n\u003ctd\u003e80-120M\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCompliance\u003c\/td\u003e\n\u003ctd\u003e182M\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eMarketing\u003c\/td\u003e\n\u003ctd\u003e42M\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eR\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eevenue Streams\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eNet Interest Income from Lending\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eNet interest income is Old National Bank's main revenue, earned from loans minus interest paid on deposits; in 2024 the bank reported $1.03 billion in net interest income, driven by residential mortgages, commercial real estate loans, and consumer credit. Maintaining a strong net interest margin-3.45% in 2024-remains critical to profitability and capital generation for lending growth.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eWealth Management and Advisory Fees\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eOld National Bank earns sizable non-interest income from wealth management: in 2025 it reported $412 million in investment management and advisory fees, mostly charged as percent-of-AUM (typically 0.5-1.25%) or flat trust\/planning fees.\u003c\/p\u003e\n\u003cp\u003eThese fee revenues, representing about 18% of total non-interest income in 2025, are less rate-sensitive and provide stable recurring cash flow for the bank.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eDeposit Account Service Charges\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eDeposit account service charges at Old National Bank generate non-interest income from monthly maintenance and overdraft fees; in 2024 the bank reported $1.02 billion in non-interest income, with service charges a material component. These fees, alongside low-fee options, help offset branch and ATM costs-Old National operated ~240 branches and 580 ATMs in 2024, so fee revenue supports physical network expenses.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eCard Interchange and Payment Fees\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eThe bank earns a small percentage on every debit and credit card transaction via merchant interchange; in 2024 U.S. interchange revenues totaled about $86 billion industry-wide, and Old National Bank's card volumes grew ~8% YOY, keeping interchange a steady margin contributor.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eInterchange on each sale (basis points)\u003c\/li\u003e\n\u003cli\u003eTriggered on retail and online purchases\u003c\/li\u003e\n\u003cli\u003eGrowth: card volume +8% in 2024\u003c\/li\u003e\n\u003cli\u003eIndustry interchange ≈ $86B in 2024\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eMortgage Banking and Origination Income\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cpold national bank earns origination sale and servicing fees on residential commercial mortgages-application closing plus gains when loans are sold into the secondary market in mortgage banking contributed an estimated of noninterest income for comparable regional banks sensitive to housing activity long-term rates.\u003e\n\u003cp class=\"lst_crct\"\u003e\n\u003c\/p\u003e\u003cli\u003eApplication\/closing fees\u003c\/li\u003e\n\u003cli\u003eServicing fees\u003c\/li\u003e\n\u003cli\u003eGains on loan sales to secondary market\u003c\/li\u003e\n\u003cli\u003eDepends on housing market health and 10‑yr Treasury\/30‑yr mortgage rates\u003c\/li\u003e\n\n\u003c\/pold\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eOld National: Balanced 2024 revenue mix - NII $1.03B, NIIc $1.02B, wealth $412M\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eOld National's 2024 revenue mix: net interest income $1.03B (NIM 3.45%), non‑interest income $1.02B with wealth fees $412M (2025), card interchange rising with card volume +8% (2024), mortgage banking ~12-15% of non‑interest income.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003eValue\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eNet interest income (2024)\u003c\/td\u003e\n\u003ctd\u003e$1.03B\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eNIM (2024)\u003c\/td\u003e\n\u003ctd\u003e3.45%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eNon‑interest income (2024)\u003c\/td\u003e\n\u003ctd\u003e$1.02B\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eWealth fees (2025)\u003c\/td\u003e\n\u003ctd\u003e$412M\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCard volume growth (2024)\u003c\/td\u003e\n\u003ctd\u003e+8%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e","brand":"4P Marketing Mix","offers":[{"title":"Default Title","offer_id":64255030427997,"sku":"oldnational-business-model-canvas","price":10.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/1058\/5151\/9325\/files\/oldnational-canvas-business-model.webp?v=1776775431","url":"https:\/\/4pmarketingmix.com\/products\/oldnational-business-model-canvas","provider":"4P Marketing Mix","version":"1.0","type":"link"}