Huntington Bancshares (HBAN) 10-K18 Feb 222021 FY Annual reportFinancial data

Company Profile

Cover Page

Cover Page - USD ($)	12 Months Ended
Cover Page - USD ($)	Dec. 31, 2021	Jan. 31, 2022	Jun. 30, 2021
Entity Information [Line Items]
Document Type	10-K
Document Annual Report	true
Document Period End Date	Dec. 31, 2021
Current Fiscal Year End Date	--12-31
Entity File Number	1-34073
Entity Registrant Name	Huntington Bancshares Incorporated
Entity Incorporation, State or Country Code	MD
Entity Tax Identification Number	31-0724920
Entity Address, Address Line One	41 South High Street
Entity Address, City or Town	Columbus,
Entity Address, State or Province	OH
Entity Address, Postal Zip Code	43287
City Area Code	614
Local Phone Number	480-2265
Entity Well-known Seasoned Issuer	Yes
Entity Voluntary Filers	No
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Large Accelerated Filer
Entity Small Business	false
Entity Emerging Growth Company	false
Document Transition Report	false
ICFR Auditor Attestation Flag	true
Entity Shell Company	false
Entity Public Float			$ 20,819,027,009
Entity Common Stock, Shares Outstanding		1,438,088,216
Entity Central Index Key	0000049196
Amendment Flag	false
Document Fiscal Year Focus	2021
Document Fiscal Period Focus	FY
Documents Incorporated by Reference	Part III of this Form 10-K incorporates by reference certain information from the registrant’s definitive Proxy Statement for the 2022 Annual Shareholders’ Meeting.
Depositary Shares (each representing a 1/40th interest in a share of 6.250% Series D Non-Cumulative, perpetual preferred stock)
Entity Information [Line Items]
Title of 12(b) Security	Depositary Shares (each representing a 1/40th interest in a share of 4.500% Series H Non-Cumulative, perpetual preferred stock)
Trading Symbol	HBANP
Security Exchange Name	NASDAQ
Depositary Shares (each representing a 1/1000th interest in a share of 5.70% Series I Non-Cumulative, perpetual preferred stock)
Entity Information [Line Items]
Title of 12(b) Security	Depositary Shares (each representing a 1/1000th interest in a share of 5.70% Series I Non-Cumulative, perpetual preferred stock)
Trading Symbol	HBANM
Security Exchange Name	NASDAQ
Common Stock—Par Value $0.01 per Share
Entity Information [Line Items]
Title of 12(b) Security	Common Stock—Par Value $0.01 per Share
Trading Symbol	HBAN
Security Exchange Name	NASDAQ

Audit Information

Audit Information	12 Months Ended
Audit Information	Dec. 31, 2021
Audit Information [Abstract]
Auditor Firm ID	238
Auditor Name	PricewaterhouseCoopers LLP
Auditor Location	Columbus, Ohio

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($) $ in Millions		Dec. 31, 2021	Jun. 30, 2021	Mar. 31, 2021	Dec. 31, 2020
Assets
Cash and due from banks		$ 1,811			$ 1,319
Interest-bearing deposits at Federal Reserve Bank		3,711			5,276
Interest-bearing deposits in banks		392			117
Trading account securities		46			62
Available-for-sale securities		28,460			16,485
Held-to-maturity securities		12,447			8,861
Other securities		648			418
Loans held for sale (includes $1,270 and $1,198 respectively, measured at fair value)	[1]	1,676			1,275
Loans and leases (includes $171 and $94 respectively, measured at fair value)	[1]	111,920			81,608
Allowance for loan and lease losses		(2,030)			(1,814)
Net loans and leases		109,890			79,794
Bank owned life insurance		2,765			2,577
Premises and equipment		1,164			757
Goodwill		5,349			1,990
Servicing rights and other intangible assets		611			428
Other assets		5,094			3,679
Total assets		174,064			123,038
Deposits:
Demand deposits—noninterest-bearing		43,236			28,553
Interest-bearing		100,027			70,395
Total deposits		143,263			98,948
Short-term borrowings		334			183
Long-term debt		7,108			8,352
Other liabilities		4,041			2,562
Total liabilities		154,746			110,045
Commitments and Contingent Liabilities (Note 22)
Shareholders’ equity
Preferred stock		2,167			2,191
Common stock		14			10
Capital surplus		15,222			8,781
Less treasury shares, at cost		(79)			(59)
Accumulated other comprehensive (loss) gain		(229)			192
Retained earnings		2,202			1,878
Total Huntington Bancshares Inc shareholders’ equity		19,297			12,993
Non-controlling interest		21			0
Total equity		19,318			12,993
Total liabilities and shareholders’ equity		$ 174,064			$ 123,038
Common shares authorized (par value of $0.01) (in shares)		2,250,000,000	2,250,000,000	1,500,000,000	1,500,000,000
Common shares outstanding (in shares)		1,437,742,172			1,017,196,776
Treasury shares outstanding (in shares)		6,298,288			5,062,054
Preferred stock, authorized shares (in shares)		6,617,808			6,617,808
Preferred shares outstanding (in shares)		557,500			750,500

[1]	Amounts represent loans for which Huntington has elected the fair value option. See Note 19 “ Fair Values of Assets and Liabilities ”.

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parenthetical) - USD ($) $ in Millions	Dec. 31, 2021	Dec. 31, 2020
Assets
Loans held for sale, fair value	$ 1,270	$ 1,198
Loans Accounted for Under FVO	$ 171	$ 94
Shareholders’ equity
Common stock, par value (in usd per share)	$ 0.01	$ 0.01

Consolidated Statements of Inco

Consolidated Statements of Income - USD ($) shares in Thousands, $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Interest and fee income:
Loans and leases	$ 3,636,000	$ 3,085,000	$ 3,541,000
Available-for-sale securities
Taxable	261,000	237,000	295,000
Tax-exempt	56,000	61,000	83,000
Held-to-maturity securities-taxable	174,000	215,000	218,000
Other securities-taxable	10,000	6,000	16,000
Other interest income	54,000	43,000	48,000
Total interest income	4,191,000	3,647,000	4,201,000
Interest expense
Deposits	45,000	197,000	585,000
Short-term borrowings	1,000	13,000	54,000
Long-term debt	43,000	213,000	349,000
Total interest expense	89,000	423,000	988,000
Net interest income	4,102,000	3,224,000	3,213,000
Provision for credit losses	25,000	1,048,000	287,000
Net interest income after provision for credit losses	4,077,000	2,176,000	2,926,000
Service charges on deposit accounts	372,000	301,000	372,000
Card and payment processing income	334,000	248,000	246,000
Mortgage banking income	309,000	366,000	167,000
Trust and investment management services	232,000	189,000	178,000
Capital markets fees	151,000	125,000	123,000
Insurance income	105,000	97,000	88,000
Leasing revenue	99,000	21,000	19,000
Bank owned life insurance income	69,000	64,000	66,000
Gain on sale of loans	9,000	42,000	55,000
Net gains (losses) on sales of securities	9,000	(1,000)	(24,000)
Other noninterest income	200,000	139,000	164,000
Total noninterest income	1,889,000	1,591,000	1,454,000
Personnel costs	2,335,000	1,692,000	1,654,000
Outside data processing and other services	850,000	384,000	346,000
Net occupancy	277,000	158,000	159,000
Equipment	248,000	180,000	163,000
Professional services	113,000	55,000	54,000
Marketing	89,000	38,000	37,000
Deposit and other insurance expense	51,000	32,000	34,000
Amortization of intangibles	48,000	41,000	49,000
Lease financing equipment depreciation	41,000	1,000	4,000
Other noninterest expense	323,000	214,000	221,000
Total noninterest expense	4,375,000	2,795,000	2,721,000
Income before income taxes	1,591,000	972,000	1,659,000
Provision for income taxes	294,000	155,000	248,000
Income after income taxes	1,297,000	817,000	1,411,000
Income attributable to non-controlling interest	2,000	0	0
Net income attributable to Huntington Bancshares Inc	1,295,000	817,000	1,411,000
Dividends on preferred shares	131,000	100,000	74,000
Impact of preferred stock redemption	11,000	0	0
Net income available to common shares	$ 1,153,000	$ 717,000	$ 1,337,000
Average common shares—basic (in shares)	1,262,435	1,017,117	1,038,840
Average common shares—diluted (in shares)	1,286,733	1,032,683	1,056,079
Per common share:
Net income - basic (in USD per share)	$ 0.91	$ 0.71	$ 1.29
Net income - diluted (in USD per share)	$ 0.90	$ 0.69	$ 1.27

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Statement of Comprehensive Income [Abstract]
Net income attributable to Huntington Bancshares Inc	$ 1,295	$ 817	$ 1,411
Other comprehensive income, net of tax:
Total unrealized (losses) gains on available-for-sale securities	(341)	216	335
Change in fair value related to cash flow hedges	(105)	234	23
Translations adjustments, net of hedges	(3)	0	0
Change in accumulated unrealized gains (losses) for pension and other post-retirement obligations	28	(2)	(5)
Other comprehensive (loss) income, net of tax	(421)	448	353
Comprehensive income attributable to Huntington Bancshares	874	1,265	1,764
Comprehensive income attributed to non-controlling interest	2	0	0
Comprehensive income	$ 876	$ 1,265	$ 1,764

Consolidated Statements of Chan

Consolidated Statements of Changes in Shareholders' Equity - USD ($) $ in Millions	Total	Cumulative-effect of change in accounting principle, net of tax	Total	TotalCumulative-effect of change in accounting principle, net of tax	Preferred Stock	Common Stock	Capital Surplus	Treasury Stock	Accumulated Other Comprehensive (Loss) Gain	Retained Earnings	Retained EarningsCumulative-effect of change in accounting principle, net of tax	Noncontrolling Interest	Common Class A	Common Class ATotal	Common Class ACommon Stock	Common Class ACapital Surplus	Series I Preferred Stock	Series I Preferred StockTotal	Series I Preferred StockPreferred Stock	Series I Preferred StockCapital Surplus	Series I Preferred StockRetained Earnings	Series D Preferred Stock	Series D Preferred StockTotal	Series D Preferred StockPreferred Stock	Series D Preferred StockCapital Surplus	Series D Preferred StockRetained Earnings	Series H Preferred Stock	Series H Preferred StockTotal	Series H Preferred StockPreferred Stock	Series H Preferred StockRetained Earnings
Balance, beginning of year at Dec. 31, 2018	$ 11,102		$ 11,102		$ 1,203	$ 11	$ 9,181	$ (45)	$ (609)	$ 1,361		$ 0
Balance, beginning of year (in shares) at Dec. 31, 2018						1,050,584,000		(3,817,000)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	1,411		1,411							1,411
Other comprehensive (loss) income, net of tax	353		353						353
Repurchase of common stock (in shares)						(31,494,000)
Repurchases of common stock	(441)		(441)			$ (1)	(440)
Cash dividends declared:
Cash dividends declared, common stock	(611)		(611)							(611)
Cash dividends declared, preferred stock	(74)		(74)							(74)																$ (37)
Recognition of the fair value of share-based compensation	83		83				83
Other share-based compensation activity (in shares)						5,451,000
Other share-based compensation activity	(18)		(18)			$ 0	(18)
Other (in shares)						0		(720,000)
Other	(10)		(10)			$ 0	0	$ (11)		1
Income attributable to non-controlling interest	0
Balance, end of year (in shares) at Dec. 31, 2019						1,024,541,000		(4,537,000)
Balance, end of year at Dec. 31, 2019	11,795	$ (306)	11,795	$ (306)	1,203	$ 10	8,806	$ (56)	(256)	2,088	$ (306)	0
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	817		817							817
Other comprehensive (loss) income, net of tax	448		448						448
Issuance of preferred stock	988		988		988
Repurchase of common stock (in shares)						(7,504,000)
Repurchases of common stock	(92)		(92)			$ 0	(92)
Cash dividends declared:
Cash dividends declared, common stock	(621)		(621)							(621)
Cash dividends declared, preferred stock	(100)		(100)							(100)											$ (10)					(37)				$ (17)
Recognition of the fair value of share-based compensation	77		77				77
Other share-based compensation activity (in shares)						5,372,000
Other share-based compensation activity	(9)		(9)			$ 0	(9)			0
Other (in shares)						(151,000)		(525,000)
Other	(4)		(4)			$ 0	(1)	$ (3)		0
Income attributable to non-controlling interest	0
Balance, end of year (in shares) at Dec. 31, 2020						1,022,258,000		(5,062,000)
Balance, end of year at Dec. 31, 2020	12,993		12,993		2,191	$ 10	8,781	$ (59)	192	1,878		0
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	1,297		1,295							1,295		2
Other comprehensive (loss) income, net of tax	(421)		(421)						(421)
Issuance of common stock (in shares)						458,171,000
Issuance of common stock	6,961		6,961			$ 5	6,993	$ (37)
Issuance of preferred stock																	$ 185	$ 185	$ 175	$ 10							$ 486	$ 486	$ 486
Non-controlling interest acquired	$ 22											22
Repurchase of common stock (in shares)	(43,100,000)														(43,139,000)									(685,000,000)
Repurchases of common stock	$ (650)												$ (650)	$ (650)	$ 0	$ (650)						$ (700)	$ (700)		$ (4)	(11)
Cash dividends declared:
Cash dividends declared, common stock	(826)		(826)							(826)
Cash dividends declared, preferred stock	(131)		(131)							(131)											$ (7)					$ (18)				$ (21)
Recognition of the fair value of share-based compensation	129		129				129
Other share-based compensation activity (in shares)						6,750,000
Other share-based compensation activity	(38)		(38)			$ (1)	(37)			0
Other (in shares)								(1,236,000)
Other	11		14				0	$ 17		(3)		(3)
Income attributable to non-controlling interest	2
Balance, end of year (in shares) at Dec. 31, 2021						1,444,040,000		(6,298,000)
Balance, end of year at Dec. 31, 2021	$ 19,318		$ 19,297		$ 2,167	$ 14	$ 15,222	$ (79)	$ (229)	$ 2,202		$ 21

Consolidated Statements of Ch_2

Consolidated Statements of Changes in Shareholders' Equity (Parenthetical) - $ / shares	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Statement of Stockholders' Equity [Abstract]
Common stock, cash dividend per share (in USD per share)	$ 0.605	$ 0.60	$ 0.58

Consolidated Statements of Cash

Consolidated Statements of Cash Flows - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Operating activities
Net income	$ 1,297	$ 817	$ 1,411
Adjustments to reconcile net income to net cash provided by (used in) operating activities:
Provision for credit losses	25	1,048	287
Depreciation and amortization	391	367	386
Share-based compensation expense	129	77	83
Deferred income tax expense (benefit)	(76)	(93)	23
Net change in:
Trading account securities	16	37	(32)
Loans held for sale	(56)	(534)	(214)
Other assets	366	(1,077)	(593)
Other liabilities	27	683	194
Other, net	(57)	(2)	29
Net cash provided by (used in) operating activities	2,062	1,323	1,574
Investing activities
Change in interest bearing deposits in banks	716	(81)	(112)
Net cash received from business acquisition	466	0	0
Proceeds from:
Maturities and calls of available-for-sale securities	7,275	5,697	2,124
Maturities and calls of held-to-maturity securities	4,151	3,042	1,021
Sales of available-for-sale securities	5,892	392	3,903
Purchases of available-for-sale securities	(19,936)	(11,104)	(6,036)
Purchases of held-to-maturity securities	(4,777)	0	(1,519)
Net proceeds from sales of portfolio loans and leases	517	1,113	1,049
Principal payments received under direct finance and sales-type leases	1,055	704	714
Net loan and lease activity, excluding sales and purchases	2,650	(6,844)	(2,149)
Purchases of premises and equipment	(247)	(119)	(107)
Purchases of loans and leases	(1,197)	(1,506)	(445)
Net cash paid for branch disposition	(618)	0	(548)
Other, net	91	67	228
Net cash provided by (used in) investing activities	(3,962)	(8,639)	(1,877)
Financing activities
Increase (decrease) in deposits	6,501	16,601	(1,702)
(Decrease) Increase in short-term borrowings	(1,245)	(2,373)	586
Net proceeds from issuance of long-term debt	775	1,386	1,796
Maturity/redemption of long-term debt	(3,404)	(3,052)	(743)
Dividends paid on preferred stock	(138)	(84)	(74)
Dividends paid on common stock	(750)	(614)	(597)
Repurchases of common stock	(650)	(92)	(441)
Payment to repurchase preferred stock	(700)	0	0
Net proceeds from issuance of preferred stock	486	988	0
Other, net	(48)	(19)	(24)
Net cash provided by (used for) financing activities	827	12,741	(1,199)
Increase (decrease) in cash and cash equivalents	(1,073)	5,425	(1,502)
Cash and cash equivalents at beginning of period	6,595	1,170	2,672
Cash and cash equivalents at end of period	5,522	6,595	1,170
Supplemental disclosures:
Interest paid	185	453	989
Income taxes paid	269	81	111
Non-cash activities
Loans transferred to held-for-sale from portfolio	872	1,139	963
Loans transferred to portfolio from held-for-sale	102	53	19
Transfer of securities from available-for-sale to held-to-maturity	3,007	2,842	0
TCF Financial Corporation
Business Combination
Fair value of tangible assets acquired	46,256	0	0
Goodwill and other intangible assets	3,516	0	0
Liabilities assumed	42,567	0	0
TCF Financial Corporation \| Preferred Stock
Business Combination
Stock issued in business combination	185	0	0
TCF Financial Corporation \| Common Stock-Par Value $0.01 per share
Business Combination
Stock issued in business combination	$ 6,998	$ 0	$ 0

SIGNIFICANT ACCOUNTING POLICIES

SIGNIFICANT ACCOUNTING POLICIES	12 Months Ended
SIGNIFICANT ACCOUNTING POLICIES	Dec. 31, 2021
Accounting Policies [Abstract]
SIGNIFICANT ACCOUNTING POLICIES	SIGNIFICANT ACCOUNTING POLICIES Nature of Operations — Huntington Bancshares Incorporated (Huntington or the Company) is a multi-state diversified regional bank holding company organized under Maryland law in 1966 and headquartered in Columbus, Ohio. Through its subsidiaries, including its bank subsidiary, The Huntington National Bank (the Bank), Huntington is engaged in providing full-service commercial and consumer banking services, mortgage banking services, automobile financing, recreational vehicle and marine financing, equipment financing, inventory finance, investment management, trust services, brokerage services, insurance products and services, and other financial products and services. Huntington’s full-service branches and private client group offices are primarily located in Ohio, Colorado, Illinois, Indiana, Kentucky, Michigan, Minnesota, Pennsylvania, West Virginia and Wisconsin. Select financial services and other activities are also conducted in various other states. International banking services are available through the headquarters office in Columbus, Ohio. Basis of Presentation — The Consolidated Financial Statements include the accounts of Huntington and its majority-owned subsidiaries and are presented in accordance with GAAP. All intercompany transactions and balances are eliminated in consolidation. Entities in which Huntington holds a controlling financial interest are consolidated. For a voting interest entity, a controlling financial interest is generally where Huntington holds, directly or indirectly, more than 50 percent of the outstanding voting shares. For a variable interest entity (VIE), a controlling financial interest is where Huntington has the power to direct the activities of an entity that most significantly impact the entity’s economic performance and has an obligation to absorb losses or the right to receive benefits from the VIE. For consolidated entities where Huntington holds less than a 100% interest, Huntington recognizes non-controlling interest (included in shareholders’ equity) for the equity held by minority shareholders and non-controlling profit or loss (included in noninterest expense) for the portion of the entity’s earnings attributable to minority interests. Investments in companies that are not consolidated are accounted for using the equity method when Huntington has the ability to exert significant influence. Investments in non-marketable equity securities for which Huntington does not have the ability to exert significant influence are generally accounted for using the cost method adjusted for impairment and other changes in observable prices. Investments in private investment partnerships that are accounted for under the equity method or the cost method are included in other assets and Huntington’s earnings in equity investments are included in other noninterest income. Investments accounted for under the cost and equity methods are periodically evaluated for impairment. The preparation of financial statements in conformity with GAAP requires management to make estimates and assumptions that significantly affect amounts reported in the Consolidated Financial Statements. Huntington utilizes processes that involve the use of significant estimates and the judgments of management in determining the amount of its allowance for credit losses, income taxes, as well as fair value measurements of investment securities, derivative instruments, goodwill, other intangible assets, pension assets and liabilities, short-term borrowings, mortgage servicing rights, and loans held for sale. As with any estimate, actual results could differ from those estimates. For statements of cash flows purposes, cash and cash equivalents are defined as the sum of cash and due from banks and interest-bearing deposits at Federal Reserve Bank. Resale and Repurchase Agreements — Securities purchased under agreements to resell and securities sold under agreements to repurchase are treated as collateralized financing transactions and are recorded at the amounts at which the securities were acquired or sold plus accrued interest. The fair value of collateral either received from or provided to a third-party is monitored and additional collateral is obtained or requested to be returned to Huntington in accordance with the agreement. Securities — Securities purchased with the intention of recognizing short-term profits or which are actively bought and sold are classified as trading account securities and reported at fair value. The unrealized gains or losses on trading account securities are recorded in other noninterest income. Debt securities purchased that Huntington has the positive intent and ability to hold to their maturity are classified as held-to-maturity securities. Held-to-maturity securities are recorded at amortized cost. All other debt securities are classified as available-for-sale securities. Available-for-sale securities are recognized and measured at fair value with any change in the fair value recognized in other comprehensive income. All equity securities are classified as other securities. Securities transactions are recognized on the trade date (the date the order to buy or sell is executed). The carrying value plus any related accumulated OCI balance of sold securities is used to compute realized gains and losses. Interest on securities, including amortization of premiums and accretion of discounts using the effective interest method over the period to maturity, is included in interest income. Non-marketable equity securities include stock held for membership and regulatory purposes, such as FHLB stock and FRB stock. These securities are accounted for at cost, evaluated for impairment, and are included in other securities. Other securities also include mutual funds and other marketable equity securities. These securities are carried at fair value, with changes in fair value recognized in other noninterest income. Loans and Leases — Loans for which Huntington has the intent and ability to hold for the foreseeable future, or until maturity or payoff, except loans for which the fair value option has been elected, are carried at the principal amount outstanding, net of charge-offs, unamortized deferred loan origination fees and costs, premiums and discounts, and unearned income. Direct financing leases are reported at the aggregate of lease payments receivable and estimated residual values, net of unearned and deferred income, and any initial direct costs incurred to originate these leases. Renewal options for leases are at the option of the lessee, and are typically not included in the measurement of the lease receivable as they are not considered reasonably certain of exercise. Purchase options are typically at fair value, and as such those options are not considered in the measurement of lease receivables or in lease classification. Interest income is accrued as earned using the interest method. Huntington defers the fees it receives from the origination of loans and leases, as well as the direct costs of those activities. Huntington also acquires loans at premiums and/or discounts to their contractual values. Huntington amortizes loan discounts, premiums, and net loan origination fees and costs over the contractual lives of the related loans using the effective interest method. Troubled debt restructurings are loans for which the original contractual terms have been modified to provide a concession to a borrower experiencing financial difficulties. Loan modifications are considered TDRs when the concessions provided are not available to the borrower through either normal channels or other sources. However, not all loan modifications are TDRs. Modifications resulting in troubled debt restructurings may include changes to one or more terms of the loan, including but not limited to, a change in interest rate, an extension of the repayment period, a reduction in payment amount, and partial forgiveness or deferment of principal or accrued interest. Impairment of the residual values of direct financing leases is evaluated quarterly, with impairment arising if the expected fair value is less than the carrying amount. Huntington assesses net investments in leases (including residual values) for impairment and recognizes impairment losses in accordance with the impairment guidance for financial instruments. As such, net investments in leases may be reduced by an allowance for credit losses, with changes recognized as provision expense. For leased equipment, the residual component of a direct financing lease represents the estimated fair value of the leased equipment at the end of the lease term. Huntington uses industry data, historical experience, and independent appraisals to establish these residual value estimates. Additional information regarding product life cycle, product upgrades, as well as insight into competing products are obtained through relationships with industry contacts and are factored into residual value estimates where applicable. Upon expiration of a lease, residual assets are remarketed, resulting in an extension of the lease by the lessee, a lease to a new customer, or purchase of the residual asset by the lessee or another party. Huntington also purchases insurance guaranteeing the value of certain residual assets. Loans Held for Sale — Loans in which Huntington does not have the intent and ability to hold for the foreseeable future are classified as loans held for sale. Loans held for sale are carried at (a) the lower of cost or fair value less costs to sell, or (b) fair value where the fair value option is elected. The fair value option is generally elected for mortgage loans originated with the intent to sell. The fair value of such loans is estimated based on the inputs that include prices of mortgage backed securities adjusted for other variables such as, interest rates, expected credit defaults and market discount rates. The adjusted value reflects the price we expect to receive from the sale of such loans. Nonaccrual and Past Due Loans — Loans are considered past due when the contractual amounts due with respect to principal and interest are not received within 30 days of the contractual due date. Any loan in any portfolio may be placed on nonaccrual status prior to the policies described below when collection of principal or interest is in doubt. When a borrower with debt is discharged in a Chapter 7 bankruptcy and the debt is not reaffirmed by the borrower, the loan is determined to be collateral dependent and placed on nonaccrual status, unless there is a co-borrower or the repayment is likely to occur based on objective evidence. All classes within the commercial loan and lease portfolio are placed on nonaccrual status at 90-days past due. First-lien home equity loans are placed on nonaccrual status at 150-days past due. Junior-lien home equity loans are placed on nonaccrual status at the earlier of 120-days past due or when the related first-lien loan has been identified as nonaccrual. Automobile, RV and marine and other consumer loans are generally fully charged-off at 120-days past due, and if not fully charged-off are placed on non-accrual. Residential mortgage loans are placed on nonaccrual status at 150-days past due, with the exception of residential mortgages guaranteed by government agencies which continue to accrue interest at the rate guaranteed by the government agency. For all classes within all loan portfolios, when a loan is placed on nonaccrual status, any accrued interest is reversed and charged against interest income. For all classes within all loan portfolios, cash receipts on NALs are applied against principal until the loan or lease has been collected in full, including the charged-off portion, after which time any additional cash receipts are recognized as interest income. However, for secured non-reaffirmed debt in a Chapter 7 bankruptcy, payments are applied to principal and interest when the borrower has demonstrated a capacity to continue payment of the debt and collection of the debt is reasonably assured. For unsecured non-reaffirmed debt in a Chapter 7 bankruptcy where the carrying value has been fully charged-off, payments are recorded as loan recoveries. Within the commercial loan and lease portfolio, the determination of a borrower’s ability to make the required principal and interest payments is based on an examination of the borrower’s current financial statements, industry, management capabilities, and other qualitative measures. For all classes within the consumer loan portfolio, the determination of a borrower’s ability to make the required principal and interest payments is based on multiple factors, including number of days past due and, in some instances, an evaluation of the borrower’s financial condition. When, in management’s judgment, the borrower’s ability to make required principal and interest payments resumes and collectability is no longer in doubt, supported by sustained repayment history, the loan is returned to accrual status. For loans that are returned to accrual status, cash receipts are applied according to the contractual terms of the loan. Collateral-dependent Loans — Certain commercial and consumer loans for which repayment is expected to be provided substantially through the operation or sale of the loan collateral are considered to be collateral-dependent. Commercial collateral-dependent loans are generally secured by business assets and/or commercial real estate. Consumer collateral-dependent loans are primarily secured by residential real estate or automobiles. Allowance for Credit Losses — Huntington maintains an ACL on its loan and lease portfolio, held-to-maturity securities as well as on available-for-sale securities. The ACL on loan and lease portfolio and held-to-maturity securities are provided through an expected loss methodology referred to as current expected credit loss (“CECL”) methodology. The ACL on AFS securities is provided when a credit loss is deemed to have occurred for securities which Huntington does not intend to sell or is not required to sell. The CECL methodology also applies to credit exposures on off-balance-sheet loan commitments, financial guarantees not accounted for as insurance, including standby letters of credit, and other similar instruments not recognized as derivative financial instruments. Loans - The ACL is deducted from the amortized cost basis of a financial asset or a group of financial assets so that the balance sheet reflects the net amount Huntington expects to collect. Amortized cost is the principal balance outstanding, net of purchase premiums and discounts, fair value hedge accounting adjustments, and deferred fees and costs. Subsequent changes (favorable and unfavorable) in expected credit losses are recognized immediately in net income as a credit loss expense or a reversal of credit loss expense. Management estimates the allowance by projecting probability-of-default, loss-given-default and exposure-at-default depending on loan risk characteristics and economic parameters for each month of the remaining contractual term. Commercial loan risk characteristics include but are not limited to risk ratings, industry type and maturity type. Consumer loan risk characteristics include but are not limited to FICO scores, LTV and loan vintages. The economic parameters are developed using available information relating to past events, current conditions, and reasonable and supportable forecasts. Huntington’s reasonable and supportable forecast period reverts to a historical norm based on inputs within approximately two to three years. The reversion period is dependent on the state of the economy at the beginning of the forecast. Historical credit experience provides the basis for the estimation of expected credit losses, with adjustments made for differences in current loan-specific risk characteristics such as differences in underwriting standards, portfolio mix, delinquency levels and terms, as well as for changes in the micro- and macroeconomic environments. The contractual terms of financial assets are adjusted for expected prepayments and any extensions outside of Huntington’s control. The ACL is measured on a collective basis when similar risk characteristics exist. Loans that are determined to have unique risk characteristics are evaluated on an individual basis by management. If a loan is determined to be collateral dependent or meets the criteria to apply the collateral dependent practical expedient, expected credit losses are determined based on the fair value of the collateral at the reporting date, less costs to sell as appropriate. Loans with unique risk characteristics that are not subject to collateral dependent accounting, are assessed using a discounted cash flows methodology. Management believes the products within each of the entity’s portfolio classes exhibit similar risk characteristics. Huntington has identified its portfolio classes as disclosed in Note 5 - “ Loans and Leases ”. In addition to the transactional reserve described above, Huntington also maintains a general reserve that consists of various risk-profile reserve components. The risk-profile components consider items unique to Huntington’s structure, policies, processes and portfolio composition, as well as qualitative measurements and assessments of the loan portfolios including, but not limited to, economic uncertainty, concentrations, portfolio composition, industry comparisons and internal review functions. Huntington has elected to exclude accrued interest receivable from the measurement of its ACL given the well-defined non-accrual policies in place for all loan portfolios which results in timely reversal of outstanding interest through interest income. For certain loans on active deferral related to COVID-19, the collection of interest may be delayed for an extended period of time. The accrued interest on these active deferral loans is contemplated in establishing the ACL. The estimate for the off-balance sheet exposures, the AULC, is determined using the same procedures and methodologies as used for the loan and lease portfolio supplemented by the information related to future draws and related credit loss expectations. The AULC is recorded in other liabilities in the Consolidated Balance Sheets. Prior to the implementation of ASU 2016-13 (CECL) on January 1, 2020, the allowance for credit losses was subject to the guidance included in ASC 310 and ASC 450. Under the guidance, the bank was required to use an incurred loss methodology to estimate credit losses that were estimated to be incurred in the loan portfolio and that could ultimately materialize into confirmed losses in the form of charge-offs. The incurred loss methodology was a backward-looking approach to loss recognition and based on the concept of a triggering event having taken place, causing a loss to be inherent within the portfolio. This methodology under ASC 450 was predicated on a loss emergence period that was applied at a portfolio level. Loss emergence periods, PD’s and LGD’s were all based on historical loss experience within the loan portfolios. Consideration of forward looking macro-economic expectations was not permitted under this allowance methodology. Additionally, loans that were identified as impaired under the definition of ASC 310, were required to be assessed on an individual basis. The allowance for credit losses and resulting provision expense levels for comparative periods presented in this document were estimated in accordance with these requirements. HTM Securities - The allowance for held-to-maturity debt securities is estimated using a CECL methodology. Any expected credit loss is provided through the allowance for credit loss on HTM securities and is deducted from the amortized cost basis of the security so that the balance sheet reflects the net amount Huntington expects to collect. Nearly all of Huntington’s HTM debt securities are issued by U.S. government entities and agencies. These securities are either explicitly or implicitly guaranteed by the U.S. government, are highly rated by major rating agencies, and have a long history of no credit losses. Accordingly, there is a zero credit loss expectation on these securities. AFS Securitie s - Huntington evaluates its available-for-sale investment securities portfolio on a quarterly basis for indicators of impairment. Huntington assesses whether an impairment has occurred when the fair value of a debt security is less than the amortized cost at the balance sheet date. Management reviews the amount of unrealized loss, the credit rating history, market trends of similar security classes, time remaining to maturity, and the source of both interest and principal payments to identify securities which could potentially be impaired. For those debt securities that Huntington intends to sell or is more likely than not required to sell, before the recovery of their amortized cost basis, the difference between fair value and amortized cost is considered to be impaired and is recognized in noninterest income. For those debt securities that Huntington does not intend to sell or is not more likely than not required to sell, prior to expected recovery of amortized cost basis, the credit portion of the impairment is recognized through an allowance in noninterest income while the noncredit portion is recognized in OCI. In determining the credit portion, Huntington uses a discounted cash flow analysis, which includes evaluating the timing and amount of the expected cash flows. Non-credit-related impairment results from other factors, including increased liquidity spreads and higher interest rates. Charge-off of Uncollectible Loans — Any loan in any portfolio may be charged-off prior to the policies described below if a loss confirming event has occurred. Loss confirming events include, but are not limited to, bankruptcy (unsecured), continued delinquency, foreclosure, or receipt of an asset valuation indicating a collateral deficiency and that asset is the sole source of repayment. Additionally, discharged, collateral dependent non-reaffirmed debt in Chapter 7 bankruptcy filings will result in a charge-off to estimated collateral value, less anticipated selling costs, unless the repayment is likely to occur based on objective evidence. Commercial loans and leases are generally either charged-off or written down to net realizable value at 90-days past due. Automobile, RV and marine and other consumer loans are generally charged-off at 120-days past due. First-lien and junior-lien home equity loans are charged-off to the estimated fair value of the collateral, less anticipated selling costs, at 150-days past due and 120-days past due, respectively. Residential mortgages are charged-off to the estimated fair value of the collateral at 150-days past due. Collateral — Huntington pledges assets as collateral as required for various transactions including security repurchase agreements, public deposits, loan notes, derivative financial instruments, short-term borrowings and long-term borrowings. Assets that have been pledged as collateral, including those that can be sold or repledged by the secured party, continue to be reported on the Consolidated Balance Sheets. Huntington also accepts collateral, primarily as part of various transactions including derivative instruments and security resale agreements. Collateral received is excluded from the Consolidated Balance Sheets. The market value of collateral accepted or pledged is regularly monitored and additional collateral is obtained or provided as necessary to ensure appropriate collateral coverage in these transactions. Premises and Equipment — Premises and equipment are stated at cost, less accumulated depreciation and amortization. Depreciation is computed principally by the straight-line method over the estimated useful lives of the related assets. Buildings and building improvements are depreciated over an average of 30 to 40 years and 10 to 30 years, respectively. Land improvements and furniture and fixtures are depreciated over an average of 5 to 20 years, while equipment is depreciated over a range of 3 to 10 years. Leasehold improvements are amortized over the lesser of the asset’s useful life or the lease term, including any renewal periods for which renewal is reasonably assured. Maintenance and repairs are charged to expense as incurred, while improvements that extend the useful life of an asset are capitalized and depreciated over the remaining useful life. Amounts in premises and equipment may include items classified as held-for-sale, which are carried at lower of cost or fair value, less costs to sell. Premises and equipment are evaluated for impairment whenever events or changes in circumstances indicate that the carrying amount of the asset may not be recoverable. Mortgage Servicing Rights — Huntington recognizes the rights to service mortgage loans as an asset when servicing is contractually separated from the underlying mortgage loans by sale or securitization of the loans with servicing rights retained or when purchased. MSRs are included in servicing rights and other intangible assets in the Consolidated Balance Sheets. All MSR assets are recorded using the fair value method. Any change in the fair value of MSRs during the period is recorded in mortgage banking income. Goodwill and Other Intangible Assets — Under the acquisition method of accounting, the net assets of entities acquired by Huntington are recorded at their estimated fair value at the date of acquisition. The excess cost of consideration paid over the fair value of net assets acquired is recorded as goodwill. Other intangible assets with finite useful lives are amortized either on an accelerated or straight-line basis over their estimated useful lives. Goodwill is evaluated for impairment on an annual basis at October 1 st of each year or whenever events or changes in circumstances indicate that the carrying value may not be recoverable. Other intangible assets are reviewed for impairment whenever events or changes in circumstances indicate that the carrying amount of the asset may not be recoverable. Operating Leases (Lessee) — Huntington has elected not to include non-lease components in the measurement of right-of-use assets, and as such allocates the costs attributable to such components, where those costs are not separately identifiable, via per-square-foot costing analysis developed by the entity for owned and leased spaces. Huntington uses a portfolio approach to develop discount rates as its lease portfolio is comprised of substantially all branch space and office space used in the entity’s operations. That rate, an input used in the measurement of the entity’s right-of-use assets, leverages an incremental borrowing rate of appropriate tenor and collateralization. Derivative Financial Instruments — A variety of derivative financial instruments, principally interest rate swaps, caps, floors, and collars, are used in asset and liability management activities to protect against the risk of adverse price or interest rate movements. These instruments provide flexibility in adjusting Huntington’s sensitivity to changes in interest rates without exposure to loss of principal and higher funding requirements. Huntington also uses derivatives, principally loan sale commitments, in hedging its mortgage loan interest rate lock commitments and its mortgage loans held for sale. Mortgage loan sale commitments and the related interest rate lock commitments are carried at fair value on the Consolidated Balance Sheets with changes in fair value reflected in mortgage banking income. Huntington also uses certain derivative financial instruments to offset changes in value of its MSRs. These derivatives consist primarily of forward interest rate agreements and forward mortgage contracts. The derivative instruments used are not designated as qualifying hedges. Accordingly, such derivatives are recorded at fair value with changes in fair value reflected in mortgage banking income. Derivative financial instruments are recorded in the Consolidated Balance Sheets as either an asset or a liability (in other assets and other liabilities, respectively) and measured at fair value. Accounting for changes in fair value of derivatives depends on whether the derivative is designated and qualifies in a hedging relationship. At inception a derivative contract can be designated as: • a qualifying hedge of the fair value of a recognized asset or liability or of an unrecognized firm commitment (fair value hedge); • a qualifying hedge of the variability of cash flows to be received or paid related to a recognized asset, liability or forecasted transaction (cash flow hedge); or • a qualifying hedge of Huntington’s investment in non-U.S. dollar functional currency entities (net investment hedge). Changes in the fair value of a derivative that has been designated and qualifies as a fair value hedge, along with the changes in the fair value of the hedged asset or liability that is attributable to the hedged risk, are recorded in current period earnings. Changes in the fair value of a derivative that has been designated and qualifies as a cash flow hedge are recorded in other comprehensive income, net of income taxes, and reclassified into earnings in the period during which the hedged item affects earnings. Changes in the fair value of derivatives that have been designated as net investment hedges are recorded in other comprehensive income, net of income taxes, and reclassified into earnings during the period the foreign entity is substantially liquidated or other elements of the currency translation adjustment are reclassified into earnings. Changes in the fair value of derivatives held for trading purposes or which do not qualify for hedge accounting are reported in current period earnings. For those derivatives to which hedge accounting is applied, Huntington formally documents the hedging relationship and the risk management objective and strategy for undertaking the hedge. This documentation identifies the hedging instrument, the hedged item or transaction, the nature of the risk being hedged, and, unless the hedge meets all of the criteria to assume there is no ineffectiveness, the method that will be used to assess the effectiveness of the hedging instrument. Huntington typically assesses effectiveness using statistical regression at inception and on an ongoing basis. Hedge accounting is discontinued prospectively when: • the derivative is no longer effective or expected to be effective in offsetting changes in the fair value, cash flows or changes in net investment of a hedged item (including firm commitments or forecasted transactions); • the derivative expires, is sold, terminated, or exercised; • the forecasted transaction is no longer probable of occurring by the end of the originally specified time period; • the hedged firm commitment no longer meets the definition of a firm commitment; or • the designation of the derivative as a hedging instrument is removed. When hedge accounting is discontinued and the derivative no longer qualifies as an effective fair value, cash flow or net investment hedge, the derivative continues to be carried on the balance sheet at fair value and changes in fair value will be recorded in current period earnings unless re-designated. In the case of a discontinued fair value hedge of a recognized asset or liability, as long as the hedged item continues to exist on the balance sheet, the hedged item will no longer be adjusted for changes in fair value. The basis adjustment that had previously been recorded to the hedged item during the period from the hedge designation date to the hedge discontinuation date is recognized as an adjustment to the yield of the hedged item over the remaining life of the hedged item. In the case of a discontinued cash flow hedge of a forecasted transaction, as long as the forecasted transaction remains probable the balance applicable to the discontinued hedging relationship will be recognized in earnings over the periods where the hedged cash flows are recorded in earnings. If the forecasted transaction is not expected to occur, any amounts recorded in accumulated other comprehensive income are immediately reclassified to current period earnings. In the case of a discontinued net investment hedge as long as Huntington holds the net investment in the entity, the change in fair value will no longer be recorded in other comprehensive income. The cumulative balance recorded in accumulat

ACCOUNTING STANDARDS UPDATE

ACCOUNTING STANDARDS UPDATE	12 Months Ended
ACCOUNTING STANDARDS UPDATE	Dec. 31, 2021
Accounting Standards Update and Change in Accounting Principle [Abstract]
ACCOUNTING STANDARDS UPDATE	ACCOUNTING STANDARDS UPDATE Accounting standards yet to be adopted Standard Summary of guidance Effects on financial statements ASU 2021-08-Business Combinations (Topic 805) Issued October 2021 • The amendments in this update require that an acquirer apply topic 606 to the recognition and measurement of revenue contract assets and liabilities acquired in a business combination. • Effective for fiscal years ending after December 15, 2022, including interim periods within those fiscal years. • Adoption of the ASU will be applied prospectively to all business combinations occurring after the adoption date, with early adoption permitted. An entity that elects to early adopt in an interim period should retroactively adjust for any business combinations that occurred during the annual period of adoption, this includes the interim period. • The update is not expected to have a material impact on Huntington’s Consolidated financial statements.

ACQUISITION OF TCF FINANCIAL CO

ACQUISITION OF TCF FINANCIAL CORPORATION	12 Months Ended
ACQUISITION OF TCF FINANCIAL CORPORATION	Dec. 31, 2021
Business Combination and Asset Acquisition [Abstract]
ACQUISITION OF TCF FINANCIAL CORPORATION	ACQUISITION OF TCF FINANCIAL CORPORATION On June 9, 2021, Huntington closed the acquisition of TCF Financial Corporation in an all-stock transaction valued at $7.2 billion. TCF was a financial holding company headquartered in Detroit, Michigan with operations across the Midwest. The acquisition brought increased scale and market density, as well as added new markets and capabilities. Under the terms of the agreement, TCF shareholders received 3.0028 shares of Huntington common stock for each share of TCF common stock. Holders of TCF common stock also received cash in lieu of fractional shares. In addition, each outstanding share of 5.70% Series C Non-Cumulative Perpetual Preferred Stock of TCF was converted into one share of a newly created series of preferred stock of Huntington, Series I Preferred Stock. The acquisition of TCF has been accounted for as a business combination. We recorded the estimate of fair value based on initial valuations available at June 9, 2021. The determination of estimated fair value required management to make assumptions related to discount rates, expected future cash flows, market conditions and other future events that are highly subjective in nature and may require adjustments, which can be subject to adjustment for up to one year after June 9, 2021. As of December 31, 2021, management completed its review of information relating to events or circumstances existing at the acquisition date. The following table provides the allocation of consideration paid for the fair value of assets acquired and liabilities and equity assumed from TCF as of June 9, 2021. TCF (dollar amounts in millions) UPB Fair Value Assets acquired: Cash and due from banks $ 466 Interest-bearing deposits at Federal Reserve Bank 719 Interest-bearing deposits in banks 312 Available-for-sale securities 8,900 Other securities 358 Loans held for sale 363 Loans and leases: Commercial: Commercial and industrial $ 12,726 12,441 Commercial real estate 8,125 7,869 Lease financing 2,929 2,912 Total commercial 23,780 23,222 Consumer: Residential mortgage 6,267 6,273 Automobile 322 317 Home equity 2,644 2,607 RV and marine 581 570 Other consumer 179 167 Total consumer 9,993 9,934 Total loans and leases $ 33,773 33,156 Bank owned life insurance 181 Premises and equipment 360 Core deposit intangible 92 Other intangible assets 6 Servicing rights 59 Servicing rights and other intangible assets 157 Other assets 1,441 Total assets acquired 46,413 Liabilities and equity assumed: Deposits 38,663 Short-term borrowings 1,306 Long-term debt 1,516 Other liabilities (1) 1,082 Total liabilities 42,567 Non-controlling interest 22 Net assets acquired $ 3,824 Consideration: Fair value of common stock issued $ 6,998 Fair value of preferred stock exchange 185 Total consideration $ 7,183 Goodwill (1) $ 3,359 (1) Includes a measurement period adjustment for final tax positions related to the TCF acquisition which increased other liabilities and goodwill by $33 million. In connection with the acquisition, the Company recorded approximately $3.4 billion of goodwill. The goodwill was the result of expected synergies, operational efficiencies and other factors. Information regarding the allocation of goodwill recorded as a result of the acquisition to the Company’s reportable segments, as well as the carrying amounts and amortization of core deposit and other intangible assets, are provided in Note 8 “ Goodwill and Other Intangible Assets ” of the Notes to Consolidated Financial Statements. The following is a description of the methods used to determine the fair values of significant assets and liabilities presented above. Cash and due from banks and interest-bearing deposits in banks: The carrying amount of these assets is a reasonable estimate of fair value based on the short-term nature of these assets. Securities: Fair values for securities are based on quoted market prices, where available. If quoted market prices are not available, fair value estimates are based on observable inputs including quoted market prices for similar instruments, quoted market prices that are not in an active market or other inputs that are observable in the market. In the absence of observable inputs, fair value is estimated based on pricing models and/or discounted cash flow methodologies. Loans and leases: Fair values for loans and leases are based on a discounted cash flow methodology that considered factors including the type of loan and lease and related collateral, classification status, fixed or variable interest rate, term, amortization status and current discount rates. Loans and leases are grouped together according to similar characteristics when applying various valuation techniques. The discount rates used for loans and leases are based on current market rates for new originations of comparable loans and leases and include adjustments for liquidity. The discount rate does not include a factor for credit losses as that has been included as a reduction to the estimated cash flows. CDI: This intangible asset represents the low cost of funding acquired core deposits provide relative to the Company’s marginal cost of funds. The fair value was estimated based on a discounted cash flow methodology that gave appropriate consideration to expected customer attrition rates, net maintenance cost of the deposit base, alternative cost of funds, and the interest costs associated with customer deposits. The CDI is being amortized over 10 years based upon the period over which estimated economic benefits are estimated to be received. Deposits: The fair values used for the demand and savings deposits by definition equal the amount payable on demand at the acquisition date. The fair values for time deposits are estimated using a discounted cash flow calculation that applies interest rates currently being offered to the contractual interest rates on such time deposits. Debt: The fair values of long-term debt instruments are estimated based on quoted market prices for the instrument if available, or for similar instruments if not available, or by using discounted cash flow analyses, based on current incremental borrowing rates for similar types of instruments. Premises and equipment: The fair values of premises are based on a market approach, with Huntington obtaining third-party appraisals and broker opinions of value for land, office and branch space. Servicing rights: Servicing rights are valued using an option-adjusted spread valuation model to project cash flows over multiple interest rate scenarios which are then discounted at risk-adjusted rates. The model considers portfolio characteristics, prepayment rates, delinquency rates, contractually specified servicing fees, late charges, other ancillary revenue, costs to service and other economic factors. PCD loans and leases Purchased loans and leases that reflect a more-than-insignificant deterioration of credit from origination are considered PCD. For PCD loans and leases, the initial estimate of expected credit losses is recognized in the ALLL on the date of acquisition using the same methodology as other loans and leases held-for-investment. The following table provides a summary of loans and leases purchased as part of the TCF acquisition with credit deterioration at acquisition: (dollar amounts in millions) Commercial Consumer Total Par value (UPB) $ 7,931 $ 1,333 $ 9,264 ALLL at acquisition (374) (58) (432) Non-credit (discount) (219) (68) (287) Fair value $ 7,338 $ 1,207 $ 8,545 Huntington's operating results for the year ended December 31, 2021 includes the operating results of the acquired assets and assumed liabilities of TCF Financial Corporation subsequent to the acquisition on June 9, 2021. Due to the conversions of TCF systems occurring throughout 2021, as well as other streamlining and integration of the operating activities into those of the Company, historical reporting for the former TCF operations is impracticable and thus disclosures of the revenue from the assets acquired and income before income taxes is impracticable for the period subsequent to acquisition. The following table presents unaudited pro forma information as if the acquisition of TCF had occurred on January 1, 2020 under the “Unaudited Pro Forma” columns. The pro forma adjustments give effect to any change in interest income due to the accretion of the discount (premium) associated with the fair value adjustments to acquired loans and leases, any change in interest expense due to estimated premium amortization/discount accretion associated with the fair value adjustment to acquired interest-bearing deposits and long-term debt and the amortization of the CDI that would have resulted had the deposits been acquired as of January 1, 2020. Pro forma results include Huntington acquisition-related expenses which primarily included, but were not limited to, severance costs, professional services, data processing fees, marketing and advertising expenses totaling $701 million for the year ended December 31, 2021. Pro forma results also include adjustments for the elimination of TCF’s accretion of the discount (premium) associated with the fair value adjustments to acquired loans and leases, deposits and long-term debt, elimination of TCF's intangible amortization expense, and related income tax effects. The pro forma information does not necessarily reflect the results of operations that would have occurred had Huntington acquired TCF on January 1, 2020. Furthermore, cost savings and other business synergies related to the acquisition are not reflected in the pro forma amounts. Unaudited Pro Forma for Year Ended December 31, (dollar amounts in millions) 2021 2020 Net interest income $ 4,713 $ 4,774 Noninterest income 2,112 2,127 Net income attributable to Huntington Bancshares Inc 1,624 834

INVESTMENT SECURITIES AND OTHER

INVESTMENT SECURITIES AND OTHER SECURITIES	12 Months Ended
INVESTMENT SECURITIES AND OTHER SECURITIES	Dec. 31, 2021
Investments, Debt and Equity Securities [Abstract]
Investment Securities and Other Securities	INVESTMENT SECURITIES AND OTHER SECURITIES Debt securities purchased in which Huntington has the intent and ability to hold to their maturity are classified as held-to-maturity securities. All other debt and equity securities are classified as either available-for-sale or other securities. The following tables provide amortized cost, fair value, and gross unrealized gains and losses by investment category at December 31, 2021 and 2020: Unrealized (dollar amounts in millions) Amortized Gross Gains Gross Losses Fair Value December 31, 2021 Available-for-sale securities: U.S. Treasury $ 5 $ — $ — $ 5 Federal agencies: Residential CMO 4,649 40 (40) 4,649 Residential MBS 15,533 135 (160) 15,508 Commercial MBS 1,896 7 (38) 1,865 Other agencies 248 1 (1) 248 Total U.S. Treasury, federal agency and other agency securities 22,331 183 (239) 22,275 Municipal securities 3,497 62 (33) 3,526 Private-label CMO 106 1 (1) 106 Asset-backed securities 385 1 (4) 382 Corporate debt 2,183 22 (38) 2,167 Other securities/Sovereign debt 4 — — 4 Total available-for-sale securities $ 28,506 $ 269 $ (315) $ 28,460 Held-to-maturity securities: Federal agencies: Residential CMO $ 2,602 $ 35 $ (20) $ 2,617 Residential MBS 7,475 41 (59) 7,457 Commercial MBS 2,175 45 (5) 2,215 Other agencies 193 5 — 198 Total federal agency and other agency securities 12,445 126 (84) 12,487 Municipal securities 2 — — 2 Total held-to-maturity securities $ 12,447 $ 126 $ (84) $ 12,489 Other securities, at cost: Non-marketable equity securities: Federal Home Loan Bank stock $ 52 $ — $ — $ 52 Federal Reserve Bank stock 512 — — 512 Equity securities 12 — — 12 Other securities, at fair value Mutual funds 65 — — 65 Equity securities 6 1 — 7 Total other securities $ 647 $ 1 $ — $ 648 (1) Amortized cost amounts excludes accrued interest receivable, which is recorded within other assets on the Consolidated Balance Sheet s . At December 31, 2021, accrued interest receivable on available-for-sale securities and held-to-maturity securities totaled $62 million and $26 million, respectively. Unrealized (dollar amounts in millions) Amortized Gross Gross Fair Value December 31, 2020 Available-for-sale securities: U.S. Treasury $ 5 $ — $ — $ 5 Federal agencies: Residential CMO 3,550 121 (5) 3,666 Residential MBS 7,843 97 (5) 7,935 Commercial MBS 1,151 21 (9) 1,163 Other agencies 60 2 — 62 Total U.S. Treasury, federal agency and other agency securities 12,609 241 (19) 12,831 Municipal securities 2,928 91 (15) 3,004 Private-label CMO 9 — — 9 Asset-backed securities 185 7 — 192 Corporate debt 440 5 — 445 Other securities/Sovereign debt 4 — — 4 Total available-for-sale securities $ 16,175 $ 344 $ (34) $ 16,485 Held-to-maturity securities: Federal agencies: Residential CMO $ 1,779 $ 88 $ — $ 1,867 Residential MBS 3,715 103 — 3,818 Commercial MBS 3,118 191 — 3,309 Other agencies 246 12 — 258 Total federal agency and other agency securities 8,858 394 — 9,252 Municipal securities 3 — — 3 Total held-to-maturity securities $ 8,861 $ 394 $ — $ 9,255 Other securities, at cost: Non-marketable equity securities: Federal Home Loan Bank stock $ 60 $ — $ — $ 60 Federal Reserve Bank stock 299 — — 299 Other securities, at fair value Mutual funds 50 — — 50 Equity securities 8 1 — 9 Total other securities $ 417 $ 1 $ — $ 418 (1) Amortized cost amounts excludes accrued interest receivable, which is recorded within other assets on the Consolidated Balance Sheet s . At December 31, 2020, accrued interest receivable on available-for-sale securities and held-to-maturity securities totaled $32 million and $20 million, respectively. The following table provides the amortized cost and fair value of securities by contractual maturity at December 31, 2021 and 2020. Expected maturities may differ from contractual maturities as issuers may have the right to call or prepay obligations with or without incurring penalties. 2021 2020 (dollar amounts in millions) Amortized Cost Fair Value Amortized Cost Fair Value Available-for-sale securities: Under 1 year $ 377 $ 374 $ 308 $ 304 After 1 year through 5 years 1,888 1,880 1,145 1,154 After 5 years through 10 years 3,166 3,180 1,607 1,654 After 10 years 23,075 23,026 13,115 13,373 Total available-for-sale securities $ 28,506 $ 28,460 $ 16,175 $ 16,485 Held-to-maturity securities: Under 1 year $ 2 $ 2 $ — $ — After 1 year through 5 years 162 164 160 169 After 5 years through 10 years 44 45 131 138 After 10 years 12,239 12,278 8,570 8,948 Total held-to-maturity securities $ 12,447 $ 12,489 $ 8,861 $ 9,255 The following tables provide detail on investment securities with unrealized losses aggregated by investment category and the length of time the individual securities have been in a continuous loss position at December 31, 2021 and 2020: Less than 12 Months Over 12 Months Total (dollar amounts in millions) Fair Gross Unrealized Fair Gross Unrealized Fair Gross Unrealized December 31, 2021 Available-for-sale securities: Federal agencies: Residential CMO $ 2,925 $ (40) $ — $ — $ 2,925 $ (40) Residential MBS 13,491 (160) — — 13,491 (160) Commercial MBS 1,251 (38) — — 1,251 (38) Other agencies 140 (1) — — 140 (1) Total federal agency and other agency securities 17,807 (239) — — 17,807 (239) Municipal securities 859 (22) 319 (11) 1,178 (33) Private-label CMO 78 (1) — — 78 (1) Asset-backed securities 237 (4) — — 237 (4) Corporate debt 1,766 (38) — — 1,766 (38) Total temporarily impaired available-for-sale securities $ 20,747 $ (304) $ 319 $ (11) $ 21,066 $ (315) Held-to-maturity securities: Federal agencies: Residential CMO $ 1,453 $ (20) $ — $ — $ 1,453 $ (20) Residential MBS 5,837 (59) — — 5,837 (59) Commercial MBS 318 (5) — — 318 (5) Total federal agency and other agency securities 7,608 (84) — — 7,608 (84) Total temporarily impaired securities $ 7,608 $ (84) $ — $ — $ 7,608 $ (84) Less than 12 Months Over 12 Months Total (dollar amounts in millions) Fair Gross Unrealized Fair Gross Unrealized Fair Gross Unrealized December 31, 2020 Available-for-sale securities: Federal agencies: Residential CMO $ 302 $ (5) $ — $ — $ 302 $ (5) Residential MBS 1,633 (5) — — 1,633 (5) Commercial MBS 321 (9) — — 321 (9) Total federal agency and other agency securities 2,256 (19) — — 2,256 (19) Municipal securities 110 (3) 490 (12) 600 (15) Asset-backed securities 15 — — — 15 — Corporate debt 51 — — — 51 — Total temporarily impaired available-for-sale securities $ 2,432 $ (22) $ 490 $ (12) $ 2,922 $ (34) During 2021, Huntington transferred a total of $3.0 billion of securities from the AFS portfolio to the HTM portfolio. At the time of the transfers, AOCI included a combined total of $2 million of unrealized gains attributed to these securities. This gain will be amortized into interest income over the remaining life of the securities. At December 31, 2021 and December 31, 2020, the carrying value of investment securities pledged to secure public and trust deposits, trading account liabilities, U.S. Treasury demand notes, security repurchase agreements and to support borrowing capacity totaled $21.7 billion and $14.4 billion, respectively. There were no securities of a single issuer, which were not governmental or government-sponsored, that exceeded 10% of shareholders’ equity at either December 31, 2021 or December 31, 2020. At December 31, 2021, all HTM debt securities are considered AAA rated. In addition, there were no HTM debt securities considered past due at December 31, 2021. AFS Securities Impairment/HTM Securities Allowance for Credit Losses Based on an evaluation of available information including security type, counterparty credit quality, past events, current conditions, and reasonable and supportable forecasts that are relevant to collectability, Huntington has concluded that it expects to receive all contractual cash flows from each security held in its AFS and HTM debt securities portfolio. As such, no allowance or impairment is recorded with respect to securities as of December 31, 2021.

LOANS AND LEASES

LOANS AND LEASES	12 Months Ended
LOANS AND LEASES	Dec. 31, 2021
Receivables [Abstract]
LOANS AND LEASES	LOANS AND LEASES The following table provides a detailed listing of Huntington’s loan and lease portfolio at December 31, 2021 and December 31, 2020. At December 31, (dollar amounts in millions) 2021 2020 Commercial Loan and lease portfolio: Commercial and industrial $ 41,688 $ 33,151 Commercial real estate 14,961 7,199 Lease financing 5,000 2,222 Total commercial loan and lease portfolio 61,649 42,572 Consumer loan portfolio: Residential mortgage 19,256 12,141 Automobile 13,434 12,778 Home equity 10,550 8,894 RV and marine 5,058 4,190 Other consumer 1,973 1,033 Total consumer loan portfolio 50,271 39,036 Total loans and leases (1)(2) 111,920 81,608 Allowance for loan and lease losses (2,030) (1,814) Net loans and leases $ 109,890 $ 79,794 (1) Loans and leases are reported at principal amount outstanding including unamortized purchase premiums and discounts, unearned income, and net direct fees and costs associated with originating and acquiring loans and leases. The aggregate amount of these loan and lease adjustments was a net (discount) premium of $(111) million and $171 million at December 31, 2021 and 2020, respectively. (2) The total amount of accrued interest recorded for these loans and leases at December 31, 2021, was $148 million and $150 million of commercial and consumer loan and lease portfolios, respectively, and at December 31, 2020, was $146 million and $123 million of commercial and consumer loan and lease portfolios, respectively. Accrued interest is presented in other assets within the Condensed Consolidated Balance Sheet s. Lease Financing Huntington leases equipment to customers, and substantially all such arrangements are classified as either sales-type or direct financing leases, which are included in commercial loans and leases. These leases are reported at the aggregate of lease payments receivable and estimated residual values, net of unearned and deferred income, and any initial direct costs incurred to originate these leases. Huntington assesses net investments in leases (including residual values) for impairment and recognizes any impairment losses in accordance with the impairment guidance for financial instruments. As such, net investments in leases may be reduced by an ACL, with changes recognized as provision expense. The following table presents net investments in lease financing receivables by category at December 31, 2021 and December 31, 2020: At December 31, (dollar amounts in millions) 2021 2020 Lease payments receivable $ 4,620 $ 1,737 Estimated residual value of leased assets 774 664 Gross investment in lease financing receivables 5,394 2,401 Deferred origination costs 36 21 Deferred fees, unearned income and other (430) (200) Total lease financing receivables $ 5,000 $ 2,222 The carrying value of residual values guaranteed was $473 million and $93 million as of December 31, 2021 and December 31, 2020, respectively. The future lease rental payments due from customers on sales-type and direct financing leases at December 31, 2021, totaled $4.6 billion and were due as follows: $0.8 billion in 2022, $0.7 billion in 2023, $0.7 billion in 2024, $0.8 billion in 2025, $0.7 billion in 2026, and $0.9 billion thereafter. Interest income recognized for these types of leases was $193 million, $106 million, and $108 million for the years 2021, 2020, and 2019 respectively. Nonaccrual and Past Due Loans and Leases The following table presents NALs by class at December 31, 2021 and 2020: December 31, 2021 December 31, 2020 (dollar amounts in millions) Nonaccrual loans with no ACL Total nonaccrual loans Nonaccrual loans with no ACL Total nonaccrual loans Commercial and industrial $ 81 $ 370 $ 69 $ 349 Commercial real estate 80 104 8 15 Lease financing 3 48 — 4 Residential mortgage — 111 — 88 Automobile — 3 — 4 Home Equity — 79 — 70 RV and marine — 1 — 2 Total nonaccrual loans and leases $ 164 $ 716 $ 77 $ 532 The amount of interest that would have been recorded under the original terms for total NAL loans was $40 million, $33 million, and $26 million for 2021, 2020, and 2019, respectively. The total amount of interest recorded to interest income for NAL loans was $10 million, $6 million, and $9 million in 2021, 2020, and 2019, respectively. The following table presents an aging analysis of loans and leases, by class at December 31, 2021 and 2020: December 31, 2021 Past Due (1) Loans Accounted for Under FVO Total Loans 90 or (dollar amounts in millions) 30-59 60-89 90 or Total Current Commercial and industrial $ 72 $ 69 $ 107 $ 248 $ 41,440 $ — $ 41,688 $ 13 (2) Commercial real estate 9 1 9 19 14,942 — 14,961 — Lease financing 39 13 17 69 4,931 — 5,000 11 (3) Residential mortgage 151 49 233 433 18,653 170 19,256 157 (4) Automobile 79 18 8 105 13,329 — 13,434 6 Home equity 48 35 76 159 10,390 1 10,550 17 RV and marine 14 4 3 21 5,037 — 5,058 3 Other consumer 13 2 3 18 1,955 — 1,973 3 Total loans and leases $ 425 $ 191 $ 456 $ 1,072 $ 110,677 $ 171 $ 111,920 $ 210 December 31, 2020 Past Due (1)(4) Loans Accounted for Under FVO Total Loans 90 or (dollar amounts in millions) 30-59 Days 60-89 Days 90 or more days Total Current Commercial and industrial $ 38 $ 33 $ 82 $ 153 $ 32,998 $ — $ 33,151 $ — Commercial real estate — 1 11 12 7,187 — 7,199 — Lease financing 22 5 13 40 2,182 — 2,222 10 (3) Residential mortgage 114 38 194 346 11,702 93 12,141 132 (4) Automobile 84 22 12 118 12,660 — 12,778 9 Home equity 35 15 61 111 8,782 1 8,894 14 RV and marine 17 3 3 23 4,167 — 4,190 3 Other consumer 9 4 3 16 1,017 — 1,033 3 Total loans and leases $ 319 $ 121 $ 379 $ 819 $ 80,695 $ 94 $ 81,608 $ 171 (1) NALs are included in this aging analysis based on the loan’s past due status. (2) Amounts include PPP and other SBA loans and leases. (3) Amounts include Huntington Technology Finance administrative lease delinquencies. (4) Amounts include mortgage loans insured by U.S. government agencies. (5) The principal balance of loans in payment deferral programs offered in response to the COVID-19 pandemic which are performing according to their modified terms are generally not considered delinquent. Credit Quality Indicators To facilitate the monitoring of credit quality for commercial loans, and for purposes of determining an appropriate ACL level for these loans, Huntington utilizes the following internally defined categories of credit grades: • Pass - Higher quality loans that do not fit any of the other categories described below. • OLEM - The credit risk may be relatively minor yet represents a risk given certain specific circumstances. If the potential weaknesses are not monitored or mitigated, the loan may weaken or the collateral may be inadequate to protect Huntington’s position in the future. For these reasons, Huntington considers the loans to be potential problem loans. • Substandard - Inadequately protected loans resulting from the borrower’s ability to repay, equity, and/or the collateral pledged to secure the loan. These loans have identified weaknesses that could hinder normal repayment or collection of the debt. It is likely Huntington will sustain some loss if any identified weaknesses are not mitigated. • Doubtful - Loans that have all of the weaknesses inherent in those loans classified as Substandard, with the added elements of the full collection of the loan is improbable and that the possibility of loss is high. Loans are generally assigned a category of “Pass” rating upon initial approval and subsequently updated as appropriate based on the borrower’s financial performance. Commercial loans categorized as OLEM, Substandard, or Doubtful are considered Criticized loans. Commercial loans categorized as Substandard or Doubtful are both considered Classified loans. For all classes within the consumer loan portfolios, loans are assigned pool level PD factors based on the FICO range within which the borrower’s credit bureau score falls. A credit bureau score is a credit score developed by FICO based on data provided by the credit bureaus. The credit bureau score is widely accepted as the standard measure of consumer credit risk used by lenders, regulators, rating agencies, and consumers. The higher the credit bureau score, the higher likelihood of repayment and therefore, an indicator of higher credit quality. Huntington assesses the risk in the loan portfolio by utilizing numerous risk characteristics. The classifications described above, and also presented in the table below, represent one of those characteristics that are closely monitored in the overall credit risk management processes. The following table presents the amortized cost basis of loans and leases by vintage and credit quality indicator at December 31, 2021 and 2020 respectively: As of December 31, 2021 Term Loans Amortized Cost Basis by Origination Year Revolver Total at Amortized Cost Basis Revolver Total Converted to Term Loans (dollar amounts in millions) 2021 2020 2019 2018 2017 Prior Total Commercial and industrial Credit Quality Indicator (1): Pass $ 15,435 $ 5,677 $ 3,682 $ 1,983 $ 1,080 $ 1,134 $ 9,945 $ 3 $ 38,939 OLEM 183 178 87 83 38 73 166 — 808 Substandard 336 203 344 206 125 167 552 — 1,933 Doubtful 5 1 1 1 — — — — 8 Total Commercial and industrial $ 15,959 $ 6,059 $ 4,114 $ 2,273 $ 1,243 $ 1,374 $ 10,663 $ 3 $ 41,688 Commercial real estate Credit Quality Indicator (1): Pass $ 4,144 $ 2,367 $ 2,593 $ 1,456 $ 761 $ 1,124 $ 798 $ — $ 13,243 OLEM 76 48 42 83 73 19 — — 341 Substandard 224 362 448 115 151 46 30 — 1,376 Doubtful — — — 1 — — — — 1 Total Commercial real estate $ 4,444 $ 2,777 $ 3,083 $ 1,655 $ 985 $ 1,189 $ 828 $ — $ 14,961 Lease financing Credit Quality Indicator (1): Pass $ 1,851 $ 1,441 $ 809 $ 417 $ 226 $ 131 $ — $ — $ 4,875 OLEM 8 32 12 4 2 — — — 58 Substandard 6 23 19 2 9 8 — — 67 Total Lease financing $ 1,865 $ 1,496 $ 840 $ 423 $ 237 $ 139 $ — $ — $ 5,000 Residential mortgage Credit Quality Indicator (2): 750+ $ 5,532 $ 3,857 $ 978 $ 554 $ 687 $ 1,704 $ — $ — $ 13,312 650-749 1,862 993 409 269 254 1,028 — — 4,815 <650 48 56 104 120 99 532 — — 959 Total Residential mortgage $ 7,442 $ 4,906 $ 1,491 $ 943 $ 1,040 $ 3,264 $ — $ — $ 19,086 Automobile Credit Quality Indicator (2): 750+ $ 2,993 $ 1,927 $ 1,381 $ 666 $ 345 $ 129 $ — $ — $ 7,441 650-749 2,393 1,237 736 380 168 55 — — 4,969 <650 380 234 178 128 70 34 — — 1,024 Total Automobile $ 5,766 $ 3,398 $ 2,295 $ 1,174 $ 583 $ 218 $ — $ — $ 13,434 Home Equity Credit Quality Indicator (2): 750+ $ 645 $ 701 $ 32 $ 31 $ 34 $ 387 $ 4,772 $ 272 $ 6,874 650-749 129 94 15 13 13 161 2,324 324 3,073 <650 3 2 2 1 1 67 361 165 602 Total Home equity $ 777 $ 797 $ 49 $ 45 $ 48 $ 615 $ 7,457 $ 761 $ 10,549 RV and marine Credit Quality Indicator (2): 750+ $ 1,257 $ 933 $ 470 $ 468 $ 268 $ 319 $ — $ — $ 3,715 650-749 393 273 171 157 106 150 — — 1,250 <650 6 11 13 18 18 27 — — 93 Total RV and marine $ 1,656 $ 1,217 $ 654 $ 643 $ 392 $ 496 $ — $ — $ 5,058 Other consumer Credit Quality Indicator (2): 750+ $ 458 $ 125 $ 138 $ 50 $ 38 $ 97 $ 546 $ 3 $ 1,455 650-749 49 22 34 11 9 19 294 24 462 <650 2 2 5 2 — 1 27 17 56 Total Other consumer $ 509 $ 149 $ 177 $ 63 $ 47 $ 117 $ 867 $ 44 $ 1,973 As of December 31, 2020 Term Loans Amortized Cost Basis by Origination Year Revolver Total at Amortized Cost Basis Revolver Total Converted to Term Loans (dollar amounts in millions) 2020 2019 2018 2017 2016 Prior Total Commercial and industrial Credit Quality Indicator (1): Pass $ 12,599 $ 4,161 $ 2,537 $ 1,192 $ 837 $ 815 $ 8,894 $ 2 $ 31,037 OLEM 415 112 65 24 32 22 124 — 794 Substandard 195 125 181 203 41 147 423 — 1,315 Doubtful 2 — 1 — — 1 1 — 5 Total Commercial and industrial $ 13,211 $ 4,398 $ 2,784 $ 1,419 $ 910 $ 985 $ 9,442 $ 2 $ 33,151 Commercial real estate Credit Quality Indicator (1): Pass $ 1,742 $ 1,610 $ 1,122 $ 507 $ 507 $ 539 $ 633 $ — $ 6,660 OLEM 94 78 63 37 28 14 4 — 318 Substandard 27 46 10 29 58 14 36 — 220 Doubtful — — — — — 1 — — 1 Total Commercial real estate $ 1,863 $ 1,734 $ 1,195 $ 573 $ 593 $ 568 $ 673 $ — $ 7,199 Lease financing Credit Quality Indicator (1): Pass $ 1,158 $ 364 $ 221 $ 155 $ 137 $ 101 $ — $ — $ 2,136 OLEM 6 4 4 6 1 — — — 21 Substandard 1 19 7 21 5 12 — — 65 Total Lease financing $ 1,165 $ 387 $ 232 $ 182 $ 143 $ 113 $ — $ — $ 2,222 Residential mortgage Credit Quality Indicator (2): 750+ $ 3,269 $ 1,370 $ 891 $ 1,064 $ 762 $ 1,243 $ 1 $ — $ 8,600 650-749 991 435 307 278 171 495 — — 2,677 <650 34 89 111 108 81 348 — — 771 Total Residential mortgage $ 4,294 $ 1,894 $ 1,309 $ 1,450 $ 1,014 $ 2,086 $ 1 $ — $ 12,048 Automobile Credit Quality Indicator (2): 750+ $ 2,670 $ 2,013 $ 1,144 $ 742 $ 317 $ 81 $ — $ — $ 6,967 650-749 1,965 1,343 755 386 175 52 — — 4,676 <650 312 301 244 157 84 37 — — 1,135 Total Automobile $ 4,947 $ 3,657 $ 2,143 $ 1,285 $ 576 $ 170 $ — $ — $ 12,778 Home equity Credit Quality Indicator (2): 750+ $ 793 $ 26 $ 26 $ 32 $ 89 $ 451 $ 4,373 $ 192 $ 5,982 650-749 147 9 8 11 27 157 1,906 181 2,446 <650 1 1 1 1 6 70 286 99 465 Total Home equity $ 941 $ 36 $ 35 $ 44 $ 122 $ 678 $ 6,565 $ 472 $ 8,893 RV and marine Credit Quality Indicator (2): 750+ $ 1,136 $ 525 $ 589 $ 337 $ 153 $ 254 $ — $ — $ 2,994 650-749 348 215 201 136 64 129 — — 1,093 <650 4 15 21 22 12 29 — — 103 Total RV and marine $ 1,488 $ 755 $ 811 $ 495 $ 229 $ 412 $ — $ — $ 4,190 Other consumer Credit Quality Indicator (2): 750+ $ 69 $ 58 $ 26 $ 8 $ 4 $ 14 $ 340 $ 2 $ 521 650-749 36 56 17 5 2 3 294 30 443 <650 2 8 3 1 — 1 26 28 69 Total Other consumer $ 107 $ 122 $ 46 $ 14 $ 6 $ 18 $ 660 $ 60 $ 1,033 (1) Consistent with the credit quality disclosures, indicators for the Commercial portfolio are based on internally defined categories of credit grades which are generally refreshed at least semi-annually. (2) Consistent with the credit quality disclosures, indicators for the Consumer portfolio are based on updated customer credit scores refreshed at least quarterly. TDR Loans In response to the COVID-19 pandemic, on March 22, 2020 and April 7, 2020, the federal bank regulatory agencies including the FRB and OCC released statements encouraging financial institutions to work prudently with borrowers that may be unable to meet their contractual obligations because of the effects of COVID-19. The statements go on to explain that, in consultation with the FASB staff, the federal bank regulatory agencies concluded that short-term modifications (e.g. six months) made on a good faith basis to borrowers who were current as of the implementation date of a relief program are not TDRs. Section 4013 of the CARES Act, as amended by Section 541 of the CARES Act further addresses COVID-19 related modifications occurring between March 1, 2020 through January 1, 2022 and specifies that such COVID-19 related modifications on loans that were current as of December 31, 2019 are not TDRs. For COVID-19 related loan modifications which met the criteria under the CARES Act, Huntington elected to suspend TDR accounting. For loan modifications not eligible for the CARES Act, Huntington applied the interagency regulatory guidance that was clarified on April 7, 2020. Accordingly, insignificant concessions (related to the current COVID-19 crisis) granted through payment deferrals, fee waivers, or other short-term modifications (generally 6 months or less) and provided to borrowers less than 30 days past due at March 17, 2020 were not deemed to be TDRs. Therefore, modified loans that met the required guidelines for relief are excluded from the TDR disclosures below. The amount of interest that would have been recorded under the original terms for total accruing TDR loans was $42 million, $46 million, and $52 million for 2021, 2020, and 2019, respectively. The total amount of actual interest recorded to interest income for these loans was $39 million, $43 million, and $49 million for 2021, 2020, and 2019, respectively. TDR Concession Types The Company’s standards relating to loan modifications consider, among other factors, minimum verified income requirements, cash flow analyses, and collateral valuations. Each potential loan modification is reviewed individually and the terms of the loan are modified to meet a borrower’s specific circumstances at a point in time. All commercial TDRs are reviewed and approved by our FRG. Following is a description of TDRs by the different loan types: Commercial loan TDRs – Our strategy involving commercial TDR borrowers includes working with these borrowers to allow them to refinance elsewhere, as well as allow them time to improve their financial position and remain a Huntington customer through refinancing their notes according to market terms and conditions in the future. A subsequent refinancing or modification of a loan may occur when either the loan matures according to the terms of the TDR-modified agreement or the borrower requests a change to the loan agreements. At that time, the loan is evaluated to determine if the borrower is creditworthy. It is subjected to the normal underwriting standards and processes for other similar credit extensions, both new and existing. The refinanced note is evaluated to determine if it is considered a new loan or a continuation of the prior loan. Consumer loan TDRs – Residential mortgage TDRs represent loan modifications associated with traditional first-lien mortgage loans in which a concession has been provided to the borrower. The primary concessions given to residential mortgage borrowers are amortization or maturity date changes and interest rate reductions. Residential mortgages identified as TDRs involve borrowers unable to refinance their mortgages through the Company’s normal mortgage origination channels or through other independent sources. Some, but not all, of the loans may be delinquent. The Company may make similar interest rate, term, and principal concessions for Automobile, Home Equity, RV and Marine and Other Consumer loan TDRs. TDR Impact on Credit Quality Huntington’s ALLL is largely determined by risk ratings assigned to commercial loans, updated borrower credit scores on consumer loans, and borrower delinquency history in both the commercial and consumer portfolios. These risk ratings and credit scores consider the default history of the borrower, including payment redefaults. As such, the provision for credit losses is impacted primarily by changes in borrower payment performance rather than the TDR classification. TDRs can be classified as either accrual or nonaccrual loans. Nonaccrual TDRs are included in NALs whereas accruing TDRs are excluded from NALs as it is probable that all contractual principal and interest due under the restructured terms will be collected. The Company’s TDRs may include multiple concessions and the disclosure classifications are presented based on the primary concession provided to the borrower. The following table presents, by class and modification type, the number of contracts, post-modification outstanding balance, and the financial effects of the modification for the years ended December 31, 2021 and 2020. New Troubled Debt Restructurings (1) Year Ended December 31, 2021 Number of Post-modification Outstanding Recorded Investment (2) (dollar amounts in millions) Interest rate reduction Amortization or maturity date change Chapter 7 bankruptcy Other Total Commercial and industrial 76 $ 29 $ 25 $ — $ — $ 54 Commercial real estate 5 — — — — — Residential mortgage 320 — 39 6 — 45 Automobile 2,442 — 16 4 — 20 Home equity 214 — 4 7 — 11 RV and marine 138 1 2 1 — 4 Other consumer 270 — — — 1 1 Total new TDRs 3,465 $ 30 $ 86 $ 18 $ 1 $ 135 Year Ended December 31, 2020 Number of Post-modification Outstanding Recorded Investment (2) (dollar amounts in millions) Interest rate reduction Amortization or maturity date change Chapter 7 bankruptcy Other Total Commercial and industrial 317 $ — $ 123 $ — $ 58 $ 181 Commercial real estate 13 — 3 — — 3 Residential mortgage 585 — 79 7 — 86 Automobile 3,018 — 29 6 — 35 Home equity 273 — 6 8 2 16 RV and marine 168 — 4 1 — 5 Other consumer 622 3 — — 1 4 Total new TDRs 4,996 $ 3 $ 244 $ 22 $ 61 $ 330 (1) TDRs may include multiple concessions and the disclosure classifications are based on the primary concession provided to the borrower. (2) Post-modification balances approximate pre-modification balances. Pledged Loans The Bank has access to the Federal Reserve’s discount window and advances from the FHLB. As of December 31, 2021 and 2020, these borrowings and advances are secured by $61.1 billion and $43.0 billion, respectively, of loans.

ALLOWANCE FOR CREDIT LOSSES

ALLOWANCE FOR CREDIT LOSSES	12 Months Ended
ALLOWANCE FOR CREDIT LOSSES	Dec. 31, 2021
Credit Loss [Abstract]
Allowance for Credit Losses	ALLOWANCE FOR CREDIT LOSSES On January 1, 2020, Huntington adopted ASU 2016-13 Financial Instruments - Credit Losses (ASC Topic 326): Measurement of Credit Losses on Financial Instruments, which replaced the incurred loss methodology with an expected loss methodology that is referred to as the current expected credit loss (“CECL”) methodology. Huntington adopted ASC Topic 326 using the modified retrospective method for all financial assets in scope of the standard. Results for reporting periods beginning after January 1, 2020 are presented under ASC Topic 326, while prior period amounts continue to be reported in accordance with previously applicable GAAP. Upon adoption, Huntington recorded an increase to the ACL of $393 million and a corresponding decrease to retained earnings of approximately $306 million, net of tax of $87 million. The overall increase to the ACL at adoption is comprised of a $180 million increase in the commercial ALLL, a $211 million increase in the consumer ALLL, and a $2 million increase to the AULC. Allowance for Credit Losses - Roll-forward The following table presents ACL activity by portfolio segment for the years ended December 31, 2021, 2020, and 2019: (dollar amounts in millions) Commercial Consumer Total Year ended December 31, 2021: ALLL balance, beginning of period $ 1,236 $ 578 $ 1,814 Loan and lease charge-offs (1) (243) (139) (382) Recoveries of loans and leases previously charged-off 83 84 167 Provision (benefit) for loan and lease losses 12 (13) (1) Allowance on PCD loans and leases at acquisition 374 58 432 ALLL balance, end of period $ 1,462 $ 568 $ 2,030 AULC balance, beginning of period $ 34 $ 18 $ 52 Provision for unfunded lending commitments 8 18 26 Unfunded lending commitment losses (1) — (1) AULC balance, end of period $ 41 $ 36 $ 77 ACL balance, end of period $ 1,503 $ 604 $ 2,107 Year ended December 31, 2020: ALLL balance, beginning of period $ 552 $ 231 $ 783 Cumulative-effect of change in accounting principle for financial instruments - credit losses (2) 180 211 391 Loan and lease charge-offs (374) (166) (540) Recoveries of loans and leases previously charged-off 32 59 91 Provision for loan and lease losses 846 243 1,089 ALLL balance, end of period $ 1,236 $ 578 $ 1,814 AULC balance, beginning of period $ 102 $ 2 $ 104 Cumulative-effect of change in accounting principle for financial instruments - credit losses (4) (38) 40 2 Provision (benefit) for unfunded lending commitments (17) (24) (41) Unfunded lending commitment losses (13) — (13) AULC balance, end of period $ 34 $ 18 $ 52 ACL balance, end of period $ 1,270 $ 596 $ 1,866 Year ended December 31, 2019: ALLL balance, beginning of period $ 542 $ 230 $ 772 Loan and lease charge-offs (165) (197) (362) Recoveries of loans and leases previously charged-off 40 57 97 Provision for loan and lease losses 135 142 277 Allowance for loans sold or transferred to loans held for sale — (1) (1) ALLL balance, end of period $ 552 $ 231 $ 783 AULC balance, beginning of period $ 94 $ 2 $ 96 Provision for unfunded lending commitments 10 — 10 Unfunded lending commitment losses (2) — (2) AULC balance, end of period $ 102 $ 2 $ 104 ACL balance, end of period $ 654 $ 233 $ 887 (1) Net charge-offs and associated metrics for the year ended December 31, 2021 exclude $80 million of charge-offs recognized immediately upon completion of the TCF acquisition and related to required purchase accounting treatment. (2) Relates to day one impact of the CECL adjustment as a result of the implementation of ASU 2016-13. At December 31, 2021, the ACL was $2.1 billion, an increase of $241 million from the December 31, 2020 balance of $1.9 billion. The increase was primarily related to the TCF acquisition and associated allowance attributable to the acquired loans and leases and unfunded lending commitments, partially offset by improvement in the forecasted macroeconomic environment resulting from anticipated lower unemployment and higher GDP.

MORTGAGE LOAN SALES AND SERVICI

MORTGAGE LOAN SALES AND SERVICING RIGHTS	12 Months Ended
MORTGAGE LOAN SALES AND SERVICING RIGHTS	Dec. 31, 2021
Transfers and Servicing [Abstract]
MORTGAGE LOAN SALES AND SERVICING RIGHTS	MORTGAGE LOAN SALES AND SERVICING RIGHTS Residential Mortgage Portfolio The following table summarizes activity relating to residential mortgage loans sold with servicing retained for the years ended December 31, 2021, 2020, and 2019: Year Ended December 31, (dollar amounts in millions) 2021 2020 2019 Residential mortgage loans sold with servicing retained $ 9,702 $ 8,436 $ 4,841 Pretax gains resulting from above loan sales (1) 356 311 119 (1) Recorded in mortgage banking income. The following table summarizes the changes in MSRs recorded using the fair value method for the years ended December 31, 2021 and 2020 (1): Year Ended (dollar amounts in millions) 2021 2020 Fair value, beginning of period $ 210 $ 7 Fair value election for servicing assets previously measured using the amortized method — 205 Servicing assets obtained in acquisition 59 — New servicing assets created 135 102 Change in fair value during the period due to: Time decay (1) (15) (9) Payoffs (2) (65) (43) Changes in valuation inputs or assumptions (3) 27 (52) Fair value, end of period $ 351 $ 210 Weighted-average life (years) 7.0 7.6 (1) Represents decrease in value due to passage of time, including the impact from both regularly scheduled principal payments and partial loan paydowns. (2) Represents decrease in value associated with loans that paid off during the period. (3) Represents change in value resulting primarily from market-driven changes in interest rates. MSRs do not trade in an active, open market with readily observable prices. Therefore, the fair value of MSRs is estimated using a discounted future cash flow model. Changes in the assumptions used may have a significant impact on the valuation of MSRs. MSR values are sensitive to movement in interest rates as expected future net servicing income depends on the projected outstanding principal balances of the underlying loans, which are impacted by the level of prepayments. A summary of key assumptions and the sensitivity of the MSR value to changes in these assumptions at December 31, 2021, and December 31, 2020 follows: December 31, 2021 December 31, 2020 Decline in fair value due to Decline in fair value due to (dollar amounts in millions) Actual 10% 20% Actual 10% 20% Constant prepayment rate (annualized) 12.28 % $ (17) $ (32) 17.36 % $ (12) $ (23) Spread over forward interest rate swap rates 466 bps (7) (13) 519 bps (4) (8)

GOODWILL AND OTHER INTANGIBLE A

GOODWILL AND OTHER INTANGIBLE ASSETS	12 Months Ended
GOODWILL AND OTHER INTANGIBLE ASSETS	Dec. 31, 2021
Goodwill and Intangible Assets Disclosure [Abstract]
GOODWILL AND OTHER INTANGIBLE ASSETS	GOODWILL AND OTHER INTANGIBLE ASSETS Business segments are based on segment leadership structure, which reflects how segment performance is monitored and assessed. We have four major business segments: Consumer and Business Banking, Commercial Banking, Vehicle Finance, and Regional Banking and The Huntington Private Client Group (RBHPCG). The Treasury / Other function includes technology and operations, other unallocated assets, liabilities, revenue, and expense. A rollforward of goodwill by business segment, is presented in the table below: Consumer & Business Commercial Vehicle Treasury/ Huntington (dollar amounts in millions) Banking Banking Finance RBHPCG Other Consolidated Balance, December 31, 2020 1,393 427 — 170 — 1,990 TCF acquisition 2,026 1,272 — 61 — 3,359 Balance, December 31, 2021 $ 3,419 $ 1,699 $ — $ 231 $ — $ 5,349 For additional information on the acquisition, refer to Note 2 “ Acquisition of TC F Financial Corporation ”. Goodwill is not amortized but is evaluated for impairment on an annual basis at October 1 of each year or whenever events or changes in circumstances indicate the carrying value may not be recoverable. No impairment was recorded in 2021 or 2020. At December 31, 2021 and 2020, Huntington’s other intangible assets consisted of the following: (dollar amounts in millions) Gross Accumulated Net December 31, 2021 Core deposit intangible $ 389 $ (175) $ 214 Customer relationship 108 (80) 28 Total other intangible assets $ 497 $ (255) $ 242 December 31, 2020 Core deposit intangible $ 310 $ (150) $ 160 Customer relationship 101 (70) 31 Total other intangible assets $ 411 $ (220) $ 191 The estimated amortization expense of other intangible assets for the next five years is as follows: (dollar amounts in millions) Amortization Expense 2022 $ 53 2023 49 2024 45 2025 42 2026 28

PREMISES AND EQUIPMENT

PREMISES AND EQUIPMENT	12 Months Ended
PREMISES AND EQUIPMENT	Dec. 31, 2021
Property, Plant and Equipment [Abstract]
PREMISES AND EQUIPMENT	PREMISES AND EQUIPMENT Premises and equipment were comprised of the following at December 31, 2021 and 2020: At December 31, (dollar amounts in millions) 2021 2020 Land and land improvements $ 335 $ 198 Buildings 807 586 Leasehold improvements 219 203 Equipment 852 736 Total premises and equipment 2,213 1,723 Less accumulated depreciation and amortization (1,049) (966) Net premises and equipment $ 1,164 $ 757 Depreciation and amortization charged to expense and rental income credited to net occupancy expense for the three years ended December 31, 2021, 2020, and 2019 were: (dollar amounts in millions) 2021 2020 2019 Total depreciation and amortization of premises and equipment $ 178 $ 119 $ 116 Rental income credited to net occupancy expense 9 10 11

OPERATING LEASES

OPERATING LEASES	12 Months Ended
OPERATING LEASES	Dec. 31, 2021
Leases [Abstract]
Operating Leases	OPERATING LEASES At December 31, 2021, Huntington was obligated under non-cancelable leases for branch and office space. These leases are all classified as operating due to the amount of time such spaces are occupied relative to the underlying assets useful lives. Many of these leases contain renewal options, most of which are not included in measurement of the right-of-use asset as they are not considered reasonably certain of exercise (i.e., Huntington does not currently have a significant economic incentive to exercise these options). Some leases contain escalation clauses calling for rentals to be adjusted for increased real estate taxes and other operating expenses or proportionately adjusted for increases in the consumer or other price indices. Occasionally, Huntington will sublease the land and buildings for which it has obtained the right to use; substantially all of those sublease arrangements are classified as operating, with sublease income recognized on a straight-line basis over the contractual term of the arrangement. Net lease assets and liabilities at December 31, 2021 and 2020 are as follows: At December 31, (dollar amounts in millions) Classification 2021 2020 Assets Operating lease assets Other assets $ 316 $ 199 Liabilities Lease liabilities Other liabilities $ 441 $ 220 Net lease cost for the years ended December 31, 2021 and 2020 are as follows: Year Ended December 31, (dollar amounts in millions) Classification 2021 2020 Operating lease cost Net occupancy $ 104 $ 50 Short-term lease cost Net occupancy 3 1 Sublease income Net occupancy (2) (2) Net lease cost $ 105 $ 49 Maturity of lease liabilities at December 31, 2021 are as follows: (dollar amounts in millions) Total 2022 $ 64 2023 63 2024 52 2025 43 2026 36 Thereafter 263 Total lease payments $ 521 Less: Interest (80) Total lease liabilities $ 441 Additional supplemental information related to the Company’s operating leases as of December 31, 2021 and 2020 are as follows: Year Ended December 31, (dollar amounts in millions) 2021 2020 Cash paid for amounts included in the measurement of lease liabilities for operating cash flows $ (50) $ (53) Right-of-use assets obtained in exchange for lease obligations for operating leases 174 23 Weighted-average remaining lease term (years) for operating leases 11.24 7.17 Weighted-average discount rate for operating leases 3.87 % 4.26 %

BORROWINGS

BORROWINGS	12 Months Ended
BORROWINGS	Dec. 31, 2021
Debt Instruments [Abstract]
Borrowings	BORROWINGS Borrowings with original maturities of one year or less are classified as short-term and were comprised of the following at December 31, 2021 and 2020, respectively: At December 31, (dollar amounts in millions) 2021 2020 Federal funds purchased and securities sold under agreements to repurchase $ 320 $ 71 Other borrowings 14 112 Total short-term borrowings $ 334 $ 183 Huntington’s long-term debt consisted of the following: At December 31, (dollar amounts in millions) 2021 2020 The Parent Company: Senior Notes: 3.19% Huntington Bancshares Incorporated medium-term notes due 2021 $ — $ 802 2.33% Huntington Bancshares Incorporated senior notes due 2022 — 699 2.67% Huntington Bancshares Incorporated senior notes due 2024 812 838 4.05% Huntington Bancshares Incorporated senior notes due 2025 527 553 2.60% Huntington Bancshares Incorporated senior notes due 2030 744 743 Subordinated Notes: 3.55% Huntington Bancshares Incorporated subordinated notes due 2023 227 256 Huntington Capital I Trust Preferred 0.91% junior subordinated debentures due 2027 (1) 69 69 Huntington Capital II Trust Preferred 0.83% junior subordinated debentures due 2028 (2) 32 32 Sky Financial Capital Trust III 1.61% junior subordinated debentures due 2036 (3) 72 72 Sky Financial Capital Trust IV 1.61% junior subordinated debentures due 2036 (3) 74 74 2.54% Huntington Bancshares Incorporated subordinated notes due 2036 554 — Camco Financial Statutory Trust I 1.57% due 2037 — 4 Total notes issued by the parent 3,111 4,142 The Bank: Senior Notes: 0.79% Huntington National Bank senior notes due 2021 — 298 3.33% Huntington National Bank senior notes due 2021 — 752 2.55% Huntington National Bank senior notes due 2022 703 710 3.16% Huntington National Bank senior notes due 2022 500 511 1.83% Huntington National Bank senior notes due 2023 483 489 3.60% Huntington National Bank senior notes due 2023 748 773 Subordinated Notes: 0.64% Huntington National Bank subordinated notes due 2022 113 — 0.96% Huntington National Bank subordinated notes due 2025 142 — 3.86% Huntington National Bank subordinated notes due 2026 226 233 3.03% Huntington National Bank subordinated notes due 2029 161 — 3.75% Huntington National Bank subordinated notes due 2030 169 — Total notes issued by the bank 3,245 3,766 FHLB Advances: 1.04% weighted average rate, varying maturities greater than one year 215 3 Other: Huntington Technology Finance nonrecourse debt, 3.15% weighted average interest rate, varying maturities 287 266 2.09% Huntington Preferred Capital II - Class F securities (4) 75 75 2.09% Huntington Preferred Capital II - Class G securities (4) 50 50 2.21% Huntington Preferred Capital II - Class I securities (5) 50 50 2.65% Huntington Preferred Capital II - Class J Securities (6) 75 — Total long-term debt $ 7,108 $ 8,352 (1) Variable effective rate at December 31, 2021, based on three-month LIBOR +0.70% (2) Variable effective rate at December 31, 2021, based on three-month LIBOR +0.625% (3) Variable effective rate at December 31, 2021, based on three-month LIBOR +1.40% (4) Variable effective rate at December 31, 2021, based on three-month LIBOR +1.88% (5) Variable effective rate at December 31, 2021, based on three-month LIBOR +2.00% (6) Variable effective rate at December 31, 2021 based on three-month SOFR +2.60% Amounts above are net of unamortized discounts and adjustments related to hedging with derivative financial instruments. We use interest rate swaps to hedge interest rate risk of certain fixed-rate debt by converting the debt to a variable rate. See Note 20 - “ Derivative Financial Instruments “ for more information regarding such financial instruments. Long-term debt maturities for the next five years and thereafter are as follows: (dollar amounts in millions) 2022 2023 2024 2025 2026 Thereafter Total The Parent Company: Senior notes $ — $ — $ 800 $ 500 $ — $ 750 $ 2,050 Subordinated notes — 225 — — — 809 1,034 The Bank: Senior notes 1,198 1,202 — — — — 2,400 Subordinated notes 110 — — 130 239 300 779 FHLB Advances 1 1 — 200 — 1 203 Other 106 128 116 57 127 3 537 Total $ 1,415 $ 1,556 $ 916 $ 887 $ 366 $ 1,863 $ 7,003 These maturities are based upon the par values of the long-term debt. The terms of certain long-term debt obligations contain various restrictive covenants including limitations on the acquisition of additional debt, dividend payments, and the disposition of subsidiaries. As of December 31, 2021, Huntington was in compliance with all such covenants.

OTHER COMPREHENSIVE INCOME

OTHER COMPREHENSIVE INCOME	12 Months Ended
OTHER COMPREHENSIVE INCOME	Dec. 31, 2021
Equity [Abstract]
OTHER COMPREHENSIVE INCOME	OTHER COMPREHENSIVE INCOME The components of Huntington’s OCI for the years ended December 31, 2021, 2020, and 2019, were as follows: (dollar amounts in millions) Pretax Tax (expense) benefit After-tax Year Ended December 31, 2021 Unrealized (losses) gains on available-for-sale securities arising during the period (474) 107 (367) Less: Reclassification adjustment for realized net losses (gains) included in net income 34 (8) 26 Total unrealized (losses) gains on available-for-sale securities (440) 99 (341) Change in fair value related to cash flow hedges (144) 39 (105) Foreign currency translation adjustment (1) (12) — (12) Net unrealized gains (losses) on net investment hedges 9 — 9 Translation adjustments, net of hedges (1) (3) — (3) Change in accumulated unrealized gains (losses) for pension and other post-retirement obligations 36 (8) 28 Other comprehensive loss (551) 130 (421) Year Ended December 31, 2020 — Unrealized gains (losses) on available-for-sale securities arising during the period 235 (52) 183 Less: Reclassification adjustment for realized net losses (gains) included in net income 42 (9) 33 Total unrealized gains (losses) on available-for-sale securities 277 (61) 216 Change in fair value related to cash flow hedges 302 (68) 234 Change in accumulated unrealized (losses) gains for pension and other post-retirement obligations (2) (3) 1 (2) Other comprehensive income 576 (128) 448 Year Ended December 31, 2019 Unrealized gains (losses) on available-for-sale securities arising during the period 403 (89) 314 Less: Reclassification adjustment for realized net losses (gains) included in net income 26 (5) 21 Total unrealized gains (losses) on available-for-sale securities 429 (94) 335 Change in fair value related to cash flow hedges 26 (3) 23 Change in accumulated unrealized gains (losses) for pension and other post-retirement obligations (7) 2 (5) Other comprehensive income 448 (95) 353 (1) Foreign investments are deemed to be permanent in nature and, therefore, Huntington does not provide for taxes on foreign currency translation adjustments. (2) Includes a settlement gain recognized in other noninterest income on the Consolidated Statements of Income. Activity in accumulated OCI for the years ended December 31, 2021 and 2020 were as follows: (dollar amounts in millions) Unrealized (losses) Change in fair value related to cash flow hedges Translation adjustments, net of hedges Unrealized Total December 31, 2018 $ (363) $ — $ — $ (246) $ (609) Other comprehensive income before reclassifications $ 314 $ 23 $ — $ — $ 337 Amounts reclassified from accumulated OCI to earnings $ 21 $ — $ — $ (5) $ 16 Period change $ 335 $ 23 $ — $ (5) $ 353 December 31, 2019 $ (28) $ 23 $ — $ (251) $ (256) Other comprehensive income before reclassifications 183 234 — — 417 Amounts reclassified from accumulated OCI to earnings 33 — — (2) 31 Period change 216 234 — (2) 448 December 31, 2020 188 257 — (253) 192 Other comprehensive income before reclassifications (367) (105) (3) — (475) Amounts reclassified from accumulated OCI to earnings 26 — — 28 54 Period change (341) (105) (3) 28 (421) December 31, 2021 $ (153) $ 152 $ (3) $ (225) $ (229) (1) AOCI amounts at December 31, 2021, 2020, and 2019 include $35 million, $69 million and $121 million, respectively, of net unrealized losses on securities transferred from the available-for-sale securities portfolio to the held-to-maturity securities portfolio. The net unrealized losses will be recognized in earnings over the remaining life of the security using the effective interest method.

SHAREHOLDERS' EQUITY

SHAREHOLDERS' EQUITY	12 Months Ended
SHAREHOLDERS' EQUITY	Dec. 31, 2021
Equity [Abstract]
SHAREHOLDERS' EQUITY	SHAREHOLDERS’ EQUITY The following is a summary of Huntington’s non-cumulative, non-voting, perpetual preferred stock outstanding as of December 31, 2021. (dollar amounts in millions) Carrying Amount Series Issuance Date Shares Outstanding Dividend Rate Earliest Redemption Date (1) December 31, 2021 December 31, 2020 Series B (2) 12/28/2011 35,500 3-mo. LIBOR + 270 bps 1/15/2017 $ 23 $ 23 Series D 3/21/2016 — 6.25 % 4/15/2021 — 386 Series D 5/5/2016 — 6.25 4/15/2021 — 199 Series C 8/16/2016 — 5.875 10/15/2021 — 100 Series E (3) 2/27/2018 5,000 5.70 4/15/2023 495 495 Series F (3) 5/27/2020 5,000 5.625 7/15/2030 494 494 Series G (3) 8/3/2020 5,000 4.45 10/15/2027 494 494 Series H (2) 2/2/2021 500,000 4.50 4/15/2026 486 — Series I (3) 6/9/2021 7,000 5.70 12/01/2022 175 — Total 557,500 $ 2,167 $ 2,191 (1) Denotes earliest optional redemption date. Earlier redemption is solely at Huntington’s option, subject to prior approval of FRB. (2) Series B and H of preferred stock have a liquidation value and redemption price per share of $1,000, plus any declared and unpaid dividends. (3) Series E, F, G, and I preferred stock have a liquidation value and redemption price per share of $100,000, plus any declared and unpaid dividends. Preferred Stock redemptions On July 15, 2021, all $600 million of outstanding 6.250% Series D Non-Cumulative Perpetual Preferred Stock, par value $0.01 per share, were redeemed. On October 15, 2021, all $100 million of outstanding 5.875% Series C Non-Cumulative Perpetual Preferred Stock, par value $0.01 per share, were redeemed. Preferred Series H Stock issued and outstanding On February 2, 2021, Huntington issued $500 million of preferred stock. Huntington issued 20,000,000 depositary shares, each representing a 1/40th ownership interest in a share of 4.50% Series H Non-Cumulative Perpetual Preferred Stock (Preferred H Stock), par value $0.01 per share, with a liquidation preference of $1,000 per share (equivalent to $25 per depositary share). Each holder of a depositary share, will be entitled to all proportional rights and preferences of the Preferred H Stock (including dividend, voting, redemption, and liquidation rights). Costs of $16 million related to the issuance of the Preferred H Stock are reported as a direct deduction from the face amount of the stock. Preferred Series I Stock issued and outstanding On June 9, 2021, each share of TCF Financial Corporation 5.70% Series C Non-Cumulative Perpetual Preferred Stock, no par value, outstanding immediately prior to the acquisition of TCF Financial Corporation was converted into the right to receive a share of the newly created Huntington 5.70% Series I Non-Cumulative Perpetual Preferred Stock, par value $0.01 per share. The following table presents the dividends declared for each series of Preferred shares for the years ended December 31, 2021, 2020, and 2019: (amounts in millions, except per share data) Cash Dividend Declared Per Share Preferred Series Amount ($) Year Ended December 31, 2021 Series B $ 28.69 $ (1) Series C 44.07 (4) Series D 31.25 (18) Series E 5,700.00 (29) Series F 5,625.00 (28) Series G 4,450.00 (23) Series H 42.00 (21) Series I 1,068.75 (7) $ (131) Year Ended December 31, 2020 Series B $ 35.91 $ (1) Series C 58.76 (6) Series D 62.50 (37) Series E 5,700.00 (29) Series F 3,468.75 (17) Series G 1,915.97 (10) $ (100) Year Ended December 31, 2019 Series B $ 51.22 $ (2) Series C 58.76 (6) Series D 62.50 (37) Series E 5,700.00 (29) $ (74) Change in Common Shares Authorized During the second quarter of 2021, Huntington amended its charter to increase the number of authorized shares of common stock from 1.5 billion shares to 2.25 billion shares. Share Repurchases On July 21, 2021, the Board authorized the repurchase of up to $800 million of common shares within the four quarter period from the third quarter of 2021 through the second quarter of 2022 . Purchases of common stock under the authorization may include open market purchases, privately negotiated transactions, and accelerated share repurchase programs. During 2021, Huntington repurchased a total of $650 million of common stock, representing 43.1 million common shares, at a weighted average price of $15.07. Treasury shares Treasury shares includes shares held for deferred compensation plans, at cost, of $79 million at December 31, 2021 and $59 million at December 31, 2020. Non-controlling Interest in Subsidiaries Through the acquisition of TCF, Huntington acquired a joint venture in which Huntington maintains a 55% ownership interest. As Huntington has a controlling financial interest, its financial results are consolidated in Huntington's financial statements and the other party’s 45% ownership interest is reported as a non-controlling interest within equity.

EARNINGS PER SHARE

EARNINGS PER SHARE	12 Months Ended
EARNINGS PER SHARE	Dec. 31, 2021
Earnings Per Share [Abstract]
EARNINGS PER SHARE	EARNINGS PER SHARE Basic earnings per share is the amount of earnings (adjusted for dividends declared on preferred stock and impact of preferred stock redemption) available to each share of common stock outstanding during the reporting period. Diluted earnings per share is the amount of earnings available to each share of common stock outstanding during the reporting period adjusted to include the effect of potentially dilutive common shares. Potentially dilutive common shares include incremental shares issued for stock options, restricted stock units and awards, and distributions from deferred compensation plans. Potentially dilutive common shares are excluded from the computation of diluted earnings per share in periods in which the effect would be antidilutive. The calculation of basic and diluted earnings per share for the years ended December 31, 2021, 2020, and 2019: Year Ended December 31, (dollar amounts in millions, except per share data, share count in thousands) 2021 2020 2019 Basic earnings per common share: Net income attributable to Huntington Bancshares Inc $ 1,295 $ 817 $ 1,411 Dividends on preferred shares 131 100 74 Impact of preferred stock redemption 11 — — Net income available to common shares $ 1,153 $ 717 $ 1,337 Average common shares issued and outstanding 1,262,435 1,017,117 1,038,840 Basic earnings per common share $ 0.91 $ 0.71 $ 1.29 Diluted earnings per common share: Dilutive potential common shares Stock options and restricted stock units and awards 18,185 10,613 12,994 Shares held in deferred compensation plans 6,113 4,953 4,245 Dilutive potential common shares 24,298 15,566 17,239 Total diluted average common shares issued and outstanding 1,286,733 1,032,683 1,056,079 Diluted earnings per common share $ 0.90 $ 0.69 $ 1.27 Anti-dilutive awards (1) 2,674 9,760 5,253 (1) Reflects the total number of shares related to outstanding options that have been excluded from the computation of diluted earnings per share because the impact would have been anti-dilutive.

NONINTEREST INCOME

NONINTEREST INCOME	12 Months Ended
NONINTEREST INCOME	Dec. 31, 2021
Revenue from Contract with Customer [Abstract]
NONINTEREST INCOME	NONINTEREST INCOME Huntington earns a variety of revenue including interest and fees from customers as well as revenues from non-customers. Certain sources of revenue are recognized within interest or fee income and are outside of the scope of ASC Topic 606, Revenue from Contracts with Customers (“ASC 606”). Other sources of revenue fall within the scope of ASC 606 and are generally recognized within noninterest income. These revenues are included within various sections of the Consolidated Financial Statements. The following table shows Huntington’s total noninterest income segregated between contracts with customers within the scope of ASC 606 and those within the scope of other GAAP Topics. Year Ended December 31, (dollar amounts in millions) 2021 2020 2019 Noninterest income Noninterest income from contracts with customers $ 1,113 $ 884 $ 939 Noninterest income within the scope of other GAAP topics 776 707 515 Total noninterest income $ 1,889 $ 1,591 $ 1,454 The following table illustrates the disaggregation by operating segment and major revenue stream and reconciles disaggregated revenue to segment revenue presented in Note 25 - “ Segment Reporting ”: Year Ended December 31, 2021 (dollar amounts in millions) Commercial Banking Consumer & Business Banking Vehicle Finance RBHPCG Treasury / Other Huntington Consolidated Major Revenue Streams Service charges on deposit accounts $ 85 $ 278 $ 6 $ 3 $ — $ 372 Card and payment processing income 19 292 — — — 311 Trust and investment management services 3 63 — 166 — 232 Insurance income 7 48 — 49 1 105 Other noninterest income 45 26 3 8 11 93 Net revenue from contracts with customers $ 159 $ 707 $ 9 $ 226 $ 12 $ 1,113 Noninterest income within the scope of other GAAP topics 364 338 4 1 69 776 Total noninterest income $ 523 $ 1,045 $ 13 $ 227 $ 81 $ 1,889 Year Ended December 31, 2020 (dollar amounts in millions) Commercial Banking Consumer & Business Banking Vehicle Finance RBHPCG Treasury / Other Huntington Consolidated Major Revenue Streams Service charges on deposit accounts $ 74 $ 217 $ 6 $ 4 $ — $ 301 Card and payment processing income 15 221 — — — 236 Trust and investment management services 5 44 — 140 — 189 Insurance Income 7 43 — 46 1 97 Other noninterest income 22 26 2 11 — 61 Net revenue from contracts with customers $ 123 $ 551 $ 8 $ 201 $ 1 $ 884 Noninterest income within the scope of other GAAP topics 241 394 1 — 71 707 Total noninterest income $ 364 $ 945 $ 9 $ 201 $ 72 $ 1,591 Year Ended December 31, 2019 (dollar amounts in millions) Commercial Banking Consumer & Business Banking Vehicle Finance RBHPCG Treasury / Other Huntington Consolidated Major Revenue Streams Service charges on deposit accounts $ 64 $ 297 $ 7 $ 4 $ — $ 372 Card and payment processing income 15 218 — — — 233 Trust and investment management services 4 34 — 139 1 178 Insurance Income 6 34 — 47 1 88 Other noninterest income 24 32 4 6 2 68 Net revenue from contracts with customers $ 113 $ 615 $ 11 $ 196 $ 4 $ 939 Noninterest income within the scope of other GAAP topics 246 210 1 2 56 515 Total noninterest income $ 359 $ 825 $ 12 $ 198 $ 60 $ 1,454 Huntington generally provides services for customers in which it acts as principal. Payment terms and conditions vary amongst services and customers, and thus impact the timing and amount of revenue recognition. Some fees may be paid before any service is rendered and accordingly, such fees are deferred until the obligations pertaining to those fees are satisfied. Most Huntington contracts with customers are cancelable by either party without penalty or they are short-term in nature, with a contract duration of less than one year. Accordingly, most revenue deferred for the reporting period ended December 31, 2021 is expected to be earned within one year. Huntington does not have significant balances of contract assets or contract liabilities and any change in those balances during the reporting period ended December 31, 2021 was determined to be immaterial.

SHARE-BASED COMPENSATION

SHARE-BASED COMPENSATION	12 Months Ended
SHARE-BASED COMPENSATION	Dec. 31, 2021
Share-based Payment Arrangement [Abstract]
SHARE-BASED COMPENSATION	SHARE-BASED COMPENSATION Huntington sponsors nonqualified and incentive share based compensation plans. These plans provide for the granting of stock options, restricted stock awards, restricted stock units, performance share units and other awards to officers, directors, and other employees. Compensation costs are included in personnel costs on the Consolidated Statements of Income. Huntington issues shares to fulfill stock option exercises and restricted stock unit and award vesting from available authorized common shares. At December 31, 2021, Huntington believes there are adequate authorized common shares to satisfy anticipated stock option exercises and restricted stock unit award vesting in 2022. The following table presents total share-based compensation expense and related tax benefit for the three years ended December 31, 2021, 2020, and 2019: (dollar amounts in millions) 2021 2020 2019 Share-based compensation expense $ 138 $ 77 $ 83 Tax benefit 22 13 15 2018 Long-Term Incentive Plan In 2018, shareholders approved the Huntington Bancshares Incorporated 2018 Long-Term Incentive Plan (the 2018 Plan). In 2021, shareholders approved an amendment and restatement to the 2018 Plan to add an additional 30 million shares to the issuable amount under the plan. Accordingly, the total number of shares authorized under the 2018 Plan is 63 million shares. At December 31, 2021, 31 million shares from the Plan were available for future grants. In connection with the TCF acquisition, equity awards granted under the TCF equity plans were assumed subject to the same terms and conditions applicable to such awards prior to the date of acquisition. Stock Options Stock options, awarded by Huntington, are granted at the closing market price on the date of the grant and vest ratably over four years or when other conditions are met. Options assumed in the TCF acquisition vest ratably over a five-year period. Stock options, which represented a portion of the grant values, have no intrinsic value until the stock price increases. Both options granted by Huntington and options assumed in the TCF acquisition have a contractual term of ten years from the date of grant. Huntington uses the Black-Scholes option pricing model to value options in determining the share-based compensation expense. Forfeitures are estimated at the date of grant or assumption based on historical rates, and are updated as necessary, and reduce the compensation expense recognized. The risk-free interest rate is based on the U.S. Treasury yield curve in effect at the date of grant or assumption. The expected dividend yield is based on the dividend rate and stock price at the date of the grant or assumption. Expected volatility is based on the estimated volatility of Huntington’s stock over the expected term of the option. The following table presents the weighted average assumptions used in the option pricing model at the grant date for options granted in the three years ended December 31, 2021, 2020, and 2019: Assumptions 2021 2020 2019 Risk-free interest rate 1.25 % 0.48 % 2.41 % Expected dividend yield 3.74 6.98 4.36 Expected volatility of Huntington’s common stock 36.8 39.7 22.5 Expected option term (years) 6.5 6.5 6.5 Weighted-average grant date fair value per share $ 3.93 $ 1.49 $ 1.91 Huntington’s stock option activity and related information for the year ended December 31, 2021, was as follows: (dollar amounts in millions, except per share and options amounts in thousands) Options Weighted- Weighted-Average Contractual Life (Years) Aggregate Outstanding at January 1, 2021 14,152 $ 11.55 Granted 1,883 16.04 Assumed 844 12.02 Exercised (1,850) 10.36 Forfeited/expired (563) 11.01 Outstanding at December 31, 2021 14,466 $ 12.34 6.9 $ 46 Expected to vest (1) 6,795 $ 12.23 5.7 $ 23 Exercisable at December 31, 2021 7,531 $ 12.43 8.2 $ 23 (1) The number of options expected to vest reflect an estimate of 140,000 shares expected to be forfeited. The aggregate intrinsic value represents the amount by which the fair value of underlying stock exceeds the “in-the-money” option exercise price. The total intrinsic value of options exercised for the years ended December 31, 2021, 2020, and 2019 were $10 million, $6 million and $16 million, respectively. For the years ended December 31, 2021, 2020, and 2019, cash received for the exercises of stock options was $2 million, $1 million and $2 million, respectively. The tax benefit realized for the tax deductions from option exercises totaled $2 million, $1 million and $3 million in 2021, 2020, and 2019, respectively. Restricted Stock Awards, Restricted Stock Units and Performance Share Units Huntington also grants restricted stock units and performance share units and has assumed restricted stock awards and restricted stock units in conjunction with the TCF acquisition. Restricted stock units and performance share units awarded by Huntington are granted at the closing market price on the date of the grant. Restricted stock awards and units are issued at no cost to the recipient. Restricted stock awards and units, awarded by TCF and assumed by Huntington, can be settled only in shares at the end of the vesting period. Restricted stock units granted by Huntington can be settled in stock or cash depending on the award. Restricted stock awards granted by TCF provide the holder with voting rights, but do not provide any cash dividends. Restricted stock units granted by Huntington or those assumed through the TCF acquisition, for the most part, provide either accumulated cash dividends during the vesting period or, accrue a dividend equivalent that is paid upon vesting. Both restricted stock awards and restricted stock units are subject to certain service restrictions. Performance share units, granted by Huntington, are payable contingent upon Huntington achieving certain predefined performance objectives over the three-year measurement period. The fair value of these awards and units reflects the closing market price of Huntington’s common stock on the grant or assumption date. The following table summarizes the status of Huntington’s restricted stock awards, restricted stock units, and performance share units as of December 31, 2021, and activity for the year ended December 31, 2021: Restricted Stock Awards Restricted Stock Units Performance Share Units (amounts in thousands, except per share amounts) Quantity Weighted- Average Grant Date Fair Value Per Share Quantity Weighted- Average Grant Date Fair Value Per Share Quantity Weighted- Average Grant Date Fair Value Per Share Nonvested at January 1, 2021 — $ — 16,652 $ 12.05 3,275 $ 11.74 Granted — — 4,422 15.71 1,405 16.08 Assumed (1) 690 14.54 6,691 14.72 — — Vested (321) 14.63 (7,686) 14.41 (1,340) 14.76 Forfeited (13) 14.45 (981) 12.72 (214) 11.42 Nonvested at December 31, 2021 356 $ 14.46 19,098 $ 12.85 3,126 $ 12.06 (1) Weighted-average grant date fair value per share represents the fair value per share on the acquisition date . The weighted-average fair value at grant date of nonvested shares granted for the years ended December 31, 2021, 2020, and 2019 were $15.78, $8.90, and $13.91, respectively. The total fair value of awards vested during the years ended December 31, 2021, 2020, and 2019 was $135 million, $86 million, and $69 million, respectively. As of December 31, 2021, the total unrecognized compensation cost related to nonvested shares was $118 million with a weighted-average expense recognition period of 2.3 years.

BENEFIT PLANS

BENEFIT PLANS	12 Months Ended
BENEFIT PLANS	Dec. 31, 2021
Retirement Benefits [Abstract]
BENEFIT PLANS	BENEFIT PLANS Huntington sponsors a non-contributory defined benefit pension plan covering substantially all employees hired or rehired prior to January 1, 2010. The Plan, which was modified in 2013, no longer accrues service benefits to participants and provides benefits based upon length of service and compensation levels. Huntington’s funding policy is to contribute an annual amount that is at least equal to the minimum funding requirements but not more than the amount deductible under the Internal Revenue Code. There were no required minimum contributions during 2021. The following table shows the weighted-average assumptions used to determine the benefit obligation at December 31, 2021 and 2020, and the net periodic benefit cost for the years then ended: Pension Benefits 2021 2020 Weighted-average assumptions used to determine benefit obligations Discount rate 2.86 % 2.50 % Weighted-average assumptions used to determine net periodic benefit cost Discount rate 2.50 3.40 Expected return on plan assets 4.50 5.00 The expected long-term rate of return on plan assets is an assumption reflecting the average rate of earnings expected on the funds invested or to be invested to provide for the benefits included in the projected benefit obligation. The expected long-term rate of return is established at the beginning of the plan year based upon historical returns and projected returns on the underlying mix of invested assets. The following table reconciles the beginning and ending balances of the benefit obligation of the Plan with the amounts recognized in the consolidated balance sheets at December 31: Pension Benefits (dollar amounts in millions) 2021 2020 Projected benefit obligation at beginning of measurement year $ 1,026 $ 923 Changes due to: Service cost 3 3 Interest cost 19 26 Benefits paid (30) (29) Settlements (25) (19) Actuarial assumptions and gains (losses) (37) 122 Total changes (70) 103 Projected benefit obligation at end of measurement year $ 956 $ 1,026 The following table reconciles the beginning and ending balances of the fair value of Plan assets at the December 31, 2021 and 2020 measurement dates: Pension Benefits (dollar amounts in millions) 2021 2020 Fair value of plan assets at beginning of measurement year $ 1,050 $ 931 Changes due to: Actual return on plan assets 15 164 Settlements (28) (16) Benefits paid (30) (29) Total changes (43) 119 Fair value of plan assets at end of measurement year $ 1,007 $ 1,050 As of December 31, 2021, the difference between the accumulated benefit obligation and the fair value of Plan assets was $51 million and is recorded in other assets. The following table shows the components of net periodic benefit costs recognized in the three years ended December 31, 2021, 2020 and 2019: Pension Benefits (1) (dollar amounts in millions) 2021 2020 2019 Service cost $ 3 $ 3 $ 2 Interest cost 19 26 32 Expected return on plan assets (40) (42) (44) Amortization of loss 12 9 6 Settlements 8 5 5 Benefit costs $ 2 $ 1 $ 1 (1) The pension costs are recognized in other noninterest income in the Consolidated Statements of Income . At December 31, 2021 and 2020, The Huntington National Bank, as trustee, held all Plan assets. The Plan assets consisted of investments in a variety of cash equivalent, corporate and government fixed income, and equity investments as follows: Fair Value (dollar amounts in millions) 2021 2020 Cash equivalents: Mutual funds-money market $ 45 5 % $ 20 2 % Fixed income: Corporate obligations 559 55 522 50 U.S. Government obligations 208 21 208 20 Municipal obligations 5 — 6 — Collective trust funds 13 1 118 11 Equities: Common stock 52 5 48 5 Preferred stock — — 5 — Limited liability companies 36 4 39 4 Collective trust funds 30 3 33 3 Limited partnerships 58 6 51 5 Fair value of plan assets $ 1,007 100 % $ 1,050 100 % Investments of the Plan are accounted for at cost on the trade date and are reported at fair value. The valuation methodologies used to measure the fair value of pension plan assets vary depending on the type of asset. At December 31, 2021, cash equivalent money market funds and U.S. Treasury bills are valued at the closing price reported from an actively traded exchange and are classified as Level 1. Fixed income investments are valued using unadjusted quoted prices from active markets for similar assets are classified as Level 2. Common and preferred stock are valued using the year-end closing price as determined by a national securities exchange and are classified as Level 1. Collective trust funds and limited liability companies are valued at net asset value per unit as a practical expedient, which is calculated based on the fair values of the underlying investments held by the fund less its liabilities as reported by the issuer of the fund. The investment in the limited partnerships is reported at net asset value per share as determined by the general partners of each limited partnership, based on their proportionate share of the partnership’s fair value as recorded in the partnership’s audited financial statements. The investment objective of the Plan is to maximize the return on Plan assets over a long-time period, while meeting the Plan obligations. At December 31, 2021, Plan assets were invested 5% in cash equivalents, 18% in equity investments, and 77% in bonds, with an average duration of 13.7 years on investments. The estimated life of benefit obligations was 12.9 years. Although it may fluctuate with market conditions, Huntington has targeted a long-term allocation of Plan assets of 20% in equity investments and 80% in bond investments. The allocation of Plan assets between equity investments and fixed income investments will change from time to time. At December 31, 2021, the following table shows when benefit payments are expected to be paid: (dollar amounts in millions) Pension Benefits 2022 $ 56 2023 54 2024 52 2025 50 2026 50 2027 through 2030 240 The following tables present the amounts recognized in OCI as of December 31, 2021, 2020, and 2019, and the changes in accumulated OCI for the years ended December 31, 2021, 2020, and 2019: (dollar amounts in millions) 2021 2020 2019 Net actuarial loss $ (225) $ (253) $ (261) Prior service cost — — 10 Defined benefit pension plans $ (225) $ (253) $ (251) 2021 (dollar amounts in millions) Pretax Tax (expense) Benefit After-tax Net actuarial gain (loss): Amounts arising during the year $ 18 $ (4) $ 14 Amortization included in net periodic benefit costs 18 (4) 14 Total recognized in OCI $ 36 $ (8) $ 28 2020 (dollar amounts in millions) Pretax Tax (expense) Benefit After-tax Net actuarial (loss) gain: Amounts arising during the year $ (7) $ 2 $ (5) Amortization included in net periodic benefit costs 17 (4) 13 Prior service cost: Amounts arising during the year (11) 3 (8) Amortization included in net periodic benefit costs (2) — (2) Total recognized in OCI $ (3) $ 1 $ (2) 2019 (dollar amounts in millions) Pretax Tax (expense) Benefit After-tax Net actuarial (loss) gain: Amounts arising during the year $ (17) $ 5 $ (12) Amortization included in net periodic benefit costs 12 (3) 9 Prior service cost: Amortization included in net periodic benefit costs (2) — (2) Total recognized in OCI $ (7) $ 2 $ (5) Huntington has a defined contribution plan that is available to eligible employees. Huntington’s expense related to the defined contribution plans for the years ended December 31, 2021, 2020, and 2019 was $70 million, $47 million, and $51 million, respectively. The following table shows the number of shares, market value, and dividends received on shares of Huntington stock held by the defined contribution plan: December 31, (dollar amounts in millions, share amounts in thousands) 2021 2020 Shares in Huntington common stock 9,526 10,121 Market value of Huntington common stock $ 147 $ 128 Dividends received on shares of Huntington stock 6 6

INCOME TAXES

INCOME TAXES	12 Months Ended
INCOME TAXES	Dec. 31, 2021
Income Tax Disclosure [Abstract]
INCOME TAXES	INCOME TAXES The following is a summary of the provision for income taxes: Year Ended December 31, (dollar amounts in millions) 2021 2020 2019 Current tax provision (benefit) Federal $ 356 $ 236 $ 209 State 13 12 16 Foreign 1 — — Total current tax provision 370 248 225 Deferred tax provision (benefit) Federal (104) (103) 24 State 28 10 (1) Total deferred tax provision (76) (93) 23 Provision for income taxes $ 294 $ 155 $ 248 The following is a reconciliation for provision for income taxes: Year Ended December 31, (dollar amounts in millions) 2021 2020 2019 Provision for income taxes computed at the statutory rate $ 334 $ 204 $ 348 Increases (decreases): General business credits (126) (99) (88) Capital loss (32) (25) (62) Tax-exempt income (18) (17) (21) Tax-exempt bank owned life insurance income (14) (13) (14) Affordable housing investment amortization, net of tax benefits 102 78 70 State income taxes, net 32 17 11 Other 16 10 4 Provision for income taxes $ 294 $ 155 $ 248 The significant components of deferred tax assets and liabilities at December 31, 2021 and 2020 were as follows: At December 31, (dollar amounts in millions) 2021 2020 Deferred tax assets: Allowances for credit losses $ 518 $ 448 Tax credit carryforward 194 — Net operating and other loss carryforward 143 128 Lease liability 143 54 Purchase accounting and other intangibles 107 30 Fair value adjustments 65 — Pension and other employee benefits 46 10 Other assets 14 5 Total deferred tax assets 1,230 675 Deferred tax liabilities: Lease financing 712 409 Operating assets 116 85 Loan origination costs 115 137 Right-of-use asset 113 46 Mortgage servicing rights 84 43 Securities adjustments 40 20 Fair value adjustments — 55 Other liabilities 14 3 Total deferred tax liabilities 1,194 798 Net deferred tax asset (liability) before valuation allowance 36 (123) Valuation allowance (35) (11) Net deferred tax asset (liability) $ 1 $ (134) At December 31, 2021, Huntington’s net deferred tax asset related to net operating loss and other carryforwards was $337 million. This was comprised of federal net operating loss carryforwards of $61 million, which will begin expiring in 2025, state net operating loss carryforwards of $50 million, which will begin expiring in 2022, a federal capital loss carryforward of $26 million, which will begin expiring in 2025, state capital loss carryforwards of $6 million, which will begin expiring in 2022, and general business credits of $194 million, which will expire in 2041. The Company has established a valuation allowance on its state deferred tax assets as it believes it is more likely than not, portions will not be realized. The Company and its subsidiaries file income tax returns in the U.S. federal jurisdiction and various state, city and foreign jurisdictions. Federal income tax audits have been completed for tax years through 2009. The 2010-2017 tax years remain open as Huntington is currently appealing certain IRS positions related to these years. The 2018- 2020 tax years remain open under the standard statute of limitations. Also, with few exceptions, the Company is no longer subject to state, local and foreign income tax examinations for tax years before 2017. The following table provides a reconciliation of the beginning and ending amounts of gross unrecognized tax benefits: (dollar amounts in millions) 2021 2020 Unrecognized tax benefits at beginning of year $ 46 $ — Gross increases for tax positions taken during prior years 47 46 Unrecognized tax benefits at end of year $ 93 $ 46 Due to the complexities of some of these uncertainties, the ultimate resolution may result in a liability that is materially different from the current estimate of the tax liabilities. We do not currently anticipate that the amount of unrecognized tax benefits will significantly change over the next 12 months. Any interest and penalties on income tax assessments or income tax refunds are recognized in the Consolidated Statements of Income as a component of provision for income taxes. The amounts of accrued tax-related interest and penalties were immaterial at December 31, 2021 and 2020. Further, the amount of net interest and penalties related to unrecognized tax benefits was immaterial for all periods presented. All of the gross unrecognized tax benefits would impact the Company’s effective tax rate if recognized. At December 31, 2021, retained earnings included approximately $182 million of base year reserves of acquired thrift institutions, for which no deferred federal income tax liability has been recognized. Under current law, if these bad debt reserves are used for purposes other than to absorb bad debt losses, they will be subject to federal income tax at the corporate tax rate enacted at the time. The amount of unrecognized deferred tax liability relating to the cumulative bad debt deduction was approximately $38 million at December 31, 2021.

FAIR VALUES OF ASSETS AND LIABI

FAIR VALUES OF ASSETS AND LIABILITIES	12 Months Ended
FAIR VALUES OF ASSETS AND LIABILITIES	Dec. 31, 2021
Fair Value Disclosures [Abstract]
FAIR VALUES OF ASSETS AND LIABILITIES	FAIR VALUES OF ASSETS AND LIABILITIES Following is a description of the valuation methodologies used for instruments measured at fair value, as well as the general classification of such instruments pursuant to the valuation hierarchy. Assets and liabilities measured at fair value rarely transfer between Level 1 and Level 2 measurements. There were no such transfers during the years ended December 31, 2021 and 2020. Loans held for sale Huntington has elected to apply the fair value option for mortgage loans originated with the intent to sell which are included in loans held for sale. Mortgage loans held for sale are classified as Level 2 and are estimated using security prices for similar product types. Loans held for investment Certain mortgage loans originated with the intent to sell for which the FVO was elected have been reclassified to mortgage loans held for investment. These loans continue to be measured at fair value. The fair value is determined using fair value of similar mortgage-backed securities adjusted for loan specific variables. Available-for-sale securities and trading account securities Securities accounted for at fair value include both the available-for-sale and trading portfolios. Huntington determines the fair value of securities utilizing quoted market prices obtained for identical or similar assets, third-party pricing services, third-party valuation specialists and other observable inputs such as recent trade observations. AFS and trading securities classified as Level 1 use quoted market prices (unadjusted) in active markets for identical securities at the measurement date. Level 1 positions in these portfolios consist of U.S. Treasury securities. When quoted market prices are not available, fair values are classified as Level 2 using quoted prices for similar assets in active markets, quoted prices of identical or similar assets in markets that are not active, and inputs that are observable for the asset, either directly or indirectly, for substantially the full term of the financial instrument. Level 2 positions in these portfolio consist of U.S. Government and agency debt securities, agency mortgage backed securities, private-label asset-backed securities, certain municipal securities and other securities. For Level 2 securities Huntington primarily uses prices obtained from third-party pricing services to determine the fair value of securities. Huntington independently evaluates and corroborates the fair value received from pricing services through various methods and techniques, including references to dealer or other market quotes, by reviewing valuations of comparable instruments, and by comparing the prices realized on the sale of similar securities. If relevant market prices are limited or unavailable, valuations may require significant management judgment or estimation to determine fair value, in which case the fair values are classified as Level 3. The Level 3 positions predominantly consist of direct purchase municipal securities. A significant change in the unobservable inputs for these securities may result in a significant change in the ending fair value measurement of these securities. The direct purchase municipal securities are classified as Level 3 and require significant estimates to determine fair value which results in greater subjectivity. The fair value is determined by utilizing a discounted cash flow valuation technique employed by a third-party valuation specialist. The third-party specialist uses assumptions related to yield, prepayment speed, conditional default rates and loss severity based on certain factors such as, credit worthiness of the counterparty, prevailing market rates, and analysis of similar securities. Huntington evaluates the fair values provided by the third-party specialist for reasonableness. Derivative assets and liabilities Derivatives classified as Level 2 consist of foreign exchange and commodity contracts, which are valued using exchange traded swaps and futures market data. In addition, Level 2 includes interest rate contracts, which are valued using a discounted cash flow method that incorporates current market interest rates. Level 2 also includes exchange traded options and forward commitments to deliver mortgage-backed securities, which are valued using quoted prices. Derivatives classified as Level 3 consist of interest rate lock agreements related to mortgage loan commitments and the Visa ® share swap. The determination of fair value of the interest rate locks includes assumptions related to the likelihood that a commitment will ultimately result in a closed loan, which is a significant unobservable assumption. A significant increase or decrease in the external market price would result in a significantly higher or lower fair value measurement. Assets and Liabilities measured at fair value on a recurring basis Assets and liabilities measured at fair value on a recurring basis are summarized in the following tables: Fair Value Measurements at Reporting Date Using Netting Adjustments (1) December 31, 2021 (dollar amounts in millions) Level 1 Level 2 Level 3 Assets Trading account securities: Municipal securities $ — $ 46 $ — $ — $ 46 Available-for-sale securities: U.S. Treasury securities 5 — — — 5 Residential CMOs — 4,649 — — 4,649 Residential MBS — 15,508 — — 15,508 Commercial MBS — 1,865 — — 1,865 Other agencies — 248 — — 248 Municipal securities — 49 3,477 — 3,526 Private-label CMO — 86 20 — 106 Asset-backed securities — 312 70 — 382 Corporate debt — 2,167 — — 2,167 Other securities/sovereign debt — 4 — — 4 5 24,888 3,567 — 28,460 Other securities 65 7 — — 72 Loans held for sale — 1,270 — — 1,270 Loans held for investment — 152 19 — 171 MSRs — — 351 — 351 Other assets: Derivative assets — 1,055 10 (465) 600 Assets held in trust for deferred compensation plans 156 — — — 156 Liabilities Derivative liabilities — 737 6 (624) 119 Fair Value Measurements at Reporting Date Using Netting Adjustments (1) December 31, 2020 (dollar amounts in millions) Level 1 Level 2 Level 3 Assets Trading account securities: Municipal securities $ — $ 62 $ — $ — $ 62 Available-for-sale securities: U.S. Treasury securities 5 — — — 5 Residential CMOs — 3,666 — — 3,666 Residential MBS — 7,935 — — 7,935 Commercial MBS — 1,163 — — 1,163 Other agencies — 62 — — 62 Municipal securities — 53 2,951 — 3,004 Private-label CMO — — 9 — 9 Asset-backed securities — 182 10 — 192 Corporate debt — 445 — — 445 Other securities/sovereign debt — 4 — — 4 5 13,510 2,970 — 16,485 Other securities 59 — — — 59 Loans held for sale — 1,198 — — 1,198 Loans held for investment — 71 23 — 94 MSRs — — 210 — 210 Other assets: Derivative assets — 1,903 43 (889) 1,057 Assets held in trust for deferred compensation plans 73 — — — 73 Liabilities Derivative liabilities — 1,031 2 (917) 116 (1) Amounts represent the impact of legally enforceable master netting agreements that allow the Company to settle positive and negative positions and cash collateral held or placed with the same counterparties. The following tables present a rollforward of the balance sheet amounts measured at fair value on a recurring basis and classified as Level 3. The classification of an item as Level 3 is based on the significance of the unobservable inputs to the overall fair value measurement. However, Level 3 measurements may also include observable components of value that can be validated externally. Accordingly, the gains and losses in the table below include changes in fair value due in part to observable factors that are part of the valuation methodology. Level 3 Fair Value Measurements Available-for-sale securities Loans held for investment (dollar amounts in millions) MSRs Derivative Municipal Private- Asset- Opening balance $ 210 $ 41 $ 2,951 $ 9 $ 10 $ 23 Transfers out of Level 3 (1) — (132) — — — — Total gains/losses for the period: Included in earnings: Mortgage banking income 27 88 — — — — Interest and fee income — — (1) (2) — — Included in OCI — — (46) — — — Purchases/originations/acquisitions 194 7 1,835 11 115 — Sales — — (369) — — — Repayments — — — — — (4) Settlements (80) — (893) 2 (55) — Closing balance $ 351 $ 4 $ 3,477 $ 20 $ 70 $ 19 Change in unrealized gains or losses for the period included in earnings for assets held at end of the reporting date $ 27 $ (41) $ — $ — $ — $ — Change in unrealized gains or losses for the period included in other comprehensive income for assets held at the end of the reporting period $ — $ — $ (47) $ — $ — $ — Level 3 Fair Value Measurements Available-for-sale securities Loans held for investment (dollar amounts in millions) MSRs Derivative instruments Municipal securities Private- Asset- backed securities Opening balance $ 7 $ 6 $ 2,999 $ 2 $ 48 $ 26 Fair value election for serving assets previously measured using the amortized method 205 — — — — Transfers out of Level 3 (1) — (198) — — — — Total gains/losses for the period: Included in earnings: Mortgage banking income (104) 233 — — — — Interest and fee income — — (2) — — — Included in OCI — — 65 — — — Purchases/originations 102 — 623 7 28 — Repayments — — — — — (3) Settlements — — (734) — (66) — Closing balance $ 210 $ 41 $ 2,951 $ 9 $ 10 $ 23 Change in unrealized gains or losses for the period included in earnings (or changes in net assets) for assets held at end of the reporting date $ (104) $ 34 $ — $ — $ — $ — Change in unrealized gains or losses for the period included in other comprehensive income for assets held at the end of the reporting period $ — $ — $ 68 $ — $ — $ — Level 3 Fair Value Measurements Available-for-sale securities Loans held for investment (dollar amounts in millions) MSRs Derivative instruments Municipal securities Private label CMO Asset- backed securities Opening balance $ 10 $ 2 $ 3,165 $ — $ — $ 30 Transfers out of Level 3 (1) — (62) — — — — Total gains/losses for the period: Included in earnings: Mortgage banking income (3) 66 — — — — Interest and fee income — — (1) — — 1 Included in OCI — — 77 — — — Purchases/originations — — 254 2 55 — Sales — — — — — — Repayments — — — — — (5) Settlements — — (496) — (7) — Closing balance $ 7 $ 6 $ 2,999 $ 2 $ 48 $ 26 Change in unrealized gains or losses for the period included in earnings (or changes in net assets) for assets held at end of the reporting date $ (3) $ 3 $ — $ — $ — $ — Change in unrealized gains or losses for the period included in other comprehensive income for assets held at the end of the reporting period $ — $ — $ 74 $ — $ — $ — (1) Transfers out of Level 3 represent the settlement value of the derivative instruments (i.e. interest rate lock agreements) that are transferred to loans held for sale, which is classified as Level 2. Assets and liabilities under the fair value option The following table presents the fair value and aggregate principal balance of certain assets and liabilities under the fair value option: Total Loans Loans that are 90 or more days past due (dollar amounts in millions) Fair value Aggregate Difference Fair value Aggregate Difference December 31, 2021 Assets Loans held for sale $ 1,270 $ 1,237 $ 33 $ — $ — $ — Loans held for investment 171 177 (6) 4 4 — December 31, 2020 Assets Loans held for sale $ 1,198 $ 1,134 $ 64 $ 2 $ 2 $ — Loans held for investment 94 99 $ (5) 7 8 (1) The following table presents the net (losses) gains from fair value changes: Net (losses) gains from fair value (dollar amounts in millions) 2021 2020 2019 Assets Loans held for sale (1) $ (31) $ 38 $ 7 Loans held for investment (1) 1 1 (1) The net (losses) gains from fair value changes are included in Mortgage banking income on the Consolidated Statements of Income. Assets and Liabilities measured at fair value on a nonrecurring basis Certain assets and liabilities may be required to be measured at fair value on a nonrecurring basis in periods subsequent to their initial recognition. These assets and liabilities are not measured at fair value on an ongoing basis; however, they are subject to fair value adjustments in certain circumstances, such as when there is evidence of impairment. The amounts presented represent the fair value on the various measurement dates throughout the period. The gains(losses) represent the amounts recorded during the period regardless of whether the asset is still held at period end. The amounts measured at fair value on a nonrecurring basis were as follows: Fair Value Measurements Using (dollar amounts in millions) Fair Value Quoted Prices In Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Other Unobservable Inputs (Level 3) Total December 31, 2021 Collateral-dependent loans $ 39 $ — $ — $ 39 $ (4) December 31, 2020 Collateral-dependent loans 144 — — 144 (43) Loans held for sale 124 — — 124 (63) Huntington records nonrecurring adjustments of collateral-dependent loans held for investment. Such amounts are generally based on the fair value of the underlying collateral supporting the loan. Appraisals are generally obtained to support the fair value of the collateral and incorporate measures such as recent sales prices for comparable properties and cost of construction. Periodically, in cases where the carrying value exceeds the fair value of the collateral less cost to sell, an impairment charge is recognized in the form of a charge-off. Significant unobservable inputs for assets and liabilities measured at fair value on a recurring and nonrecurring basis The table below presents quantitative information about the significant unobservable inputs for assets and liabilities measured at fair value on a recurring and nonrecurring basis: Quantitative Information about Level 3 Fair Value Measurements At December 31, 2021(1) At December 31, 2020(1) (dollar amounts in millions) Valuation Technique Significant Unobservable Input Range Weighted Average Range Weighted Average Measured at fair value on a recurring basis: MSRs Discounted cash flow Constant prepayment rate 8 % - 23 % 12 % 8 % - 24 % 17 % Spread over forward interest rate swap rates 3 % - 11 % 5 % 4 % - 11 % 5 % Derivative assets Consensus Pricing Net market price (4) % - 8 % 1 % (4) % - 11 % 3 % Estimated pull through % 6 % - 100 % 92 % 1 % - 100 % 88 % Municipal securities Discounted cash flow Discount rate — % - 2 % 1 % — % - 1 % 1 % Asset-backed securities Cumulative default — % - 64 % 5 % — % - 39 % 4 % Loss given default 5 % - 80 % 23 % 5 % - 80 % 25 % (1) Certain disclosures related to quantitative level 3 fair value measurements do not include those deemed to be immaterial. The following provides a general description of the impact of a change in an unobservable input on the fair value measurement and the interrelationship between unobservable inputs, where relevant/significant. Interrelationships may also exist between observable and unobservable inputs. Credit loss estimates, such as probability of default, constant default, cumulative default, loss given default, cure given deferral, and loss severity, are driven by the ability of the borrowers to pay their loans and the value of the underlying collateral and are impacted by changes in macroeconomic conditions, typically increasing when economic conditions worsen and decreasing when conditions improve. An increase in the estimated prepayment rate typically results in a decrease in estimated credit losses and vice versa. Higher credit loss estimates generally result in lower fair values. Credit spreads generally increase when liquidity risks and market volatility increase and decrease when liquidity conditions and market volatility improve. Discount rates and spread over forward interest rate swap rates typically increase when market interest rates increase and/or credit and liquidity risks increase, and decrease when market interest rates decline and/or credit and liquidity conditions improve. Higher discount rates and credit spreads generally result in lower fair market values. Net market price and pull through percentages generally increase when market interest rates increase and decline when market interest rates decline. Higher net market price and pull through percentages generally result in higher fair values. Fair values of financial instruments The following table provides the carrying amounts and estimated fair values of Huntington’s financial instruments: (dollar amounts in millions) Amortized Cost Lower of Cost or Market Fair Value or Fair Value Option Total Carrying Amount Estimated Fair Value December 31, 2021 Financial Assets Cash and short-term assets $ 5,914 $ — $ — $ 5,914 $ 5,914 Trading account securities — — 46 46 46 Available-for-sale securities — — 28,460 28,460 28,460 Held-to-maturity securities 12,447 — — 12,447 12,489 Other securities 576 — 72 648 648 Loans held for sale — 406 1,270 1,676 1,621 Net loans and leases (1) 109,719 — 171 109,890 110,342 Derivative assets — — 600 600 600 Assets held in trust for deferred compensation plans — — 156 156 156 Financial Liabilities Deposits 143,263 — — 143,263 143,574 Short-term borrowings 334 — — 334 334 Long-term debt 7,108 — — 7,108 7,319 Derivative liabilities — — 119 119 119 December 31, 2020 Financial Assets Cash and short-term assets $ 6,712 $ — $ — $ 6,712 $ 6,712 Trading account securities — — 62 62 62 Available-for-sale securities — — 16,485 16,485 16,485 Held-to-maturity securities 8,861 — — 8,861 9,255 Other securities 359 — 59 418 418 Loans held for sale — 77 1,198 1,275 1,275 Net loans and leases (1) 79,700 — 94 79,794 80,477 Derivative assets — — 1,057 1,057 1,057 Assets held in trust for deferred compensation plans — — 73 73 73 Financial Liabilities Deposits 98,948 — — 98,948 99,021 Short-term borrowings 183 — — 183 183 Long-term debt 8,352 — — 8,352 8,568 Derivative liabilities — — 116 116 116 (1) Includes collateral-dependent loans. The following table presents the level in the fair value hierarchy for estimated fair values: Estimated Fair Value Measurements at Reporting Date Using Netting Presented Balance (dollar amounts in millions) Level 1 Level 2 Level 3 Adjustments (1) December 31, 2021 Financial Assets Trading account securities $ — $ 46 $ — $ 46 Available-for-sale securities 5 24,888 3,567 28,460 Held-to-maturity securities — 12,489 — 12,489 Other securities (2) 65 7 — 72 Loans held for sale — 1,270 351 1,621 Net loans and leases — 152 110,190 110,342 Derivative assets — 1,055 10 (465) 600 Financial Liabilities Deposits — 139,047 4,527 143,574 Short-term borrowings — 334 — 334 Long-term debt — 6,441 878 7,319 Derivative liabilities — 737 6 (624) 119 December 31, 2020 Financial Assets Trading account securities $ — $ 62 $ — $ 62 Available-for-sale securities 5 13,510 2,970 16,485 Held-to-maturity securities — 9,255 — 9,255 Other securities (2) 59 — — 59 Loans held for sale — 1,198 77 1,275 Net loans and leases — 71 80,406 80,477 Derivative assets — 1,903 43 (889) 1,057 Financial Liabilities Deposits — 96,656 2,365 99,021 Short-term borrowings — 183 — 183 Long-term debt — 7,999 569 8,568 Derivative liabilities — 1,031 2 (917) 116 (1) Amounts represent the impact of legally enforceable master netting agreements that allow the Company to settle positive and negative positions and cash collateral held or placed with the same counterparties. (2) Excludes securities without readily determinable fair values. The short-term nature of certain assets and liabilities result in their carrying value approximating fair value. These include trading account securities, customers’ acceptance liabilities, short-term borrowings, bank acceptances outstanding, FHLB advances, and cash and short-term assets, which include cash and due from banks, interest-bearing deposits in banks, interest-bearing deposits at FRB, federal funds sold, and securities purchased under resale agreements. Loan commitments and letters-of-credit generally have short-term, variable-rate features and contain clauses that limit Huntington’s exposure to changes in customer credit quality. Accordingly, their carrying values, which are immaterial at the respective balance sheet dates, are reasonable estimates of fair value. Certain assets, the most significant being operating lease assets, bank owned life insurance, and premises and equipment, do not meet the definition of a financial instrument and are excluded from this disclosure. Similarly, mortgage servicing rights, deposit base, and other customer relationship intangibles are not considered financial instruments and are not included above. Accordingly, this fair value information is not intended to, and does not, represent Huntington’s underlying value. Many of the assets and liabilities subject to the disclosure requirements are not actively traded, requiring fair values to be estimated by management. These estimations necessarily involve the use of judgment about a wide variety of factors, including but not limited to, relevancy of market prices of comparable instruments, expected future cash flows, and appropriate discount rates.

DERIVATIVE FINANCIAL INSTRUMENT

DERIVATIVE FINANCIAL INSTRUMENTS	12 Months Ended
DERIVATIVE FINANCIAL INSTRUMENTS	Dec. 31, 2021
Derivative Instruments and Hedging Activities Disclosure [Abstract]
DERIVATIVE FINANCIAL INSTRUMENTS	DERIVATIVE FINANCIAL INSTRUMENTS Derivative financial instruments are recorded in the Consolidated Balance Sheets as either an asset or a liability (in other assets or other liabilities, respectively) and measured at fair value. Derivative financial instruments can be designated as accounting hedges under GAAP. Designating a derivative as an accounting hedge allows Huntington to recognize gains and losses on the hedging instruments in the income statement line item where the gains and losses on the hedged item are recognized. Gains and losses on derivatives that are not designated in an effective hedge relationship under GAAP immediately impact earnings within the period they occur. The following table presents the fair values and notional values of all derivative instruments included in the Consolidated Balance Sheets at December 31, 2021 and December 31, 2020. Amounts in the table below are presented gross without the impact of any net collateral arrangements. December 31, 2021 December 31, 2020 (dollar amounts in millions) Notional Value Asset Liability Notional Value Asset Liability Derivatives designated as Hedging Instruments Interest rate contracts $ 21,306 $ 258 $ 32 $ 27,056 $ 719 $ 51 Foreign exchange contracts 210 1 — — — — Derivatives not designated as Hedging Instruments Interest rate contracts 45,286 587 498 44,495 1,074 828 Foreign exchange contracts 3,524 29 31 2,718 46 47 Commodities contracts 1,077 178 177 1,952 107 103 Equity contracts 685 12 5 517 — 4 Total Contracts $ 72,088 $ 1,065 $ 743 $ 76,738 $ 1,946 $ 1,033 The following table presents the amount of gain or loss recognized in income for derivatives not designated as hedging instruments under ASC Subtopic 815-10 in the Consolidated Income Statement for the years ended December 31, 2021, 2020 and 2019. Location of Gain or (Loss) Recognized in Income on Derivative Year Ended December 31, (dollar amounts in millions) 2021 2020 2019 Interest rate contracts: Customer Capital markets fees $ 50 $ 47 $ 49 Mortgage banking Mortgage banking income (26) 52 37 Interest rate floors Interest and fee income on loans and leases (8) (2) 4 Interest rate caps Interest expense on long-term debt 89 5 — Foreign exchange contracts Capital markets fees 32 27 28 Commodities contracts Capital markets fees 3 4 (2) Equity contracts Other noninterest expense (8) (4) (4) Total $ 132 $ 129 $ 112 Derivatives used in asset and liability management activities Huntington engages in balance sheet hedging activity, principally for asset and liability management purposes. Balance sheet hedging activity is generally arranged to receive hedge accounting treatment that can be classified as either fair value or cash flow hedges. Fair value hedges are executed to hedge changes in fair value of outstanding fixed-rate debt and investment securities caused by fluctuations in market interest rates. Cash flow hedges are executed to modify interest rate characteristics of designated commercial loans in order to reduce the impact of changes in future cash flows due to market interest rate changes. The following table presents the gross notional values of derivatives used in Huntington’s asset and liability management activities at December 31, 2021 and December 31, 2020, identified by the underlying interest rate-sensitive instruments: December 31, 2021 (dollar amounts in millions) Fair Value Hedges Cash Flow Hedges Economic Hedges Total Instruments associated with: Investment securities $ 8,228 $ — $ — $ 8,228 Loans — 11,150 271 11,421 Long-term debt 1,928 — — 1,928 Total notional value at December 31, 2021 $ 10,156 $ 11,150 $ 271 $ 21,577 December 31, 2020 (dollar amounts in millions) Fair Value Hedges Cash Flow Hedges Economic Hedges Total Instruments associated with: Investment securities $ 3,484 $ — $ — $ 3,484 Loans — 17,375 1,271 18,646 Long-term debt 6,197 — 5,000 11,197 Total notional value at December 31, 2020 $ 9,681 $ 17,375 $ 6,271 $ 33,327 These derivative financial instruments were entered into for the purpose of managing the interest rate risk of assets and liabilities. Net amounts receivable or payable on contracts hedging either interest earning assets or interest bearing liabilities were accrued as an adjustment to either interest income or interest expense. Adjustments to interest income were also recorded for the amounts related to the amortization of floors and forward-starting floors that were excluded from the hedge effectiveness, changes in the fair value of economic hedges, as well as the amounts related to terminated hedges reclassified from AOCI. The net amounts resulted in an increase (decrease) to net interest income of $337 million, $239 million, and $(53) million for the years ended December 31, 2021, 2020, and 2019, respectively. Fair Value Hedges The changes in fair value of the fair value hedges are recorded through earnings and offset against changes in the fair value of the hedged item. Huntington has designated $7.4 billion of interest rate swaps as fair value hedges of fixed-rate investment securities using the last-of-layer method. This approach allows the Company to designate as the hedged item a stated amount of the assets that are not expected to be affected by prepayments, defaults and other factors affecting the timing and amount of cash flows. The fair value basis adjustment on our hedged mortgage-backed securities is included in available-for-sale securities on the Consolidated Statements of Financial Condition. Huntington has also designated $869 million of interest rate swaps as fair value hedges of fixed-rate corporate bonds. The following table presents the change in fair value for derivatives designated as fair value hedges as well as the offsetting change in fair value on the hedged item for the years ended December 31, 2021, 2020 and 2019: Year Ended December 31, (dollar amounts in millions) 2021 2020 2019 Interest rate contracts Change in fair value of interest rate swaps hedging investment securities (1) $ 108 $ 6 $ — Change in fair value of hedged investment securities (1) (114) 3 — Change in fair value of interest rate swaps hedging long-term debt (2) (184) 113 127 Change in fair value of hedged long term debt (2) 187 (118) (125) (1) Recognized in Interest income—available-for-sale securities—taxable in the Consolidated Statements of Income . (2) Recognized in Interest expense - long-term debt in the Consolidated Statements of Income . As of December 31, 2021 and 2020, the following amounts were recorded on the balance sheet related to cumulative basis adjustments for fair value hedges. Amortized Cost Cumulative Amount of Fair Value Hedging Adjustment To Hedged Items At December 31, At December 31, (dollar amounts in millions) 2021 2020 2021 2020 Assets Investment securities (1) $ 17,150 $ 6,637 $ (117) $ 3 Liabilities Long-term debt (2) 1,981 6,383 45 232 (1) Amounts include the amortized cost basis of closed portfolios used to designate hedging relationships in which the hedged item is the last layer expected to be remaining at the end of the hedging relationship. As of December 31, 2021, the amortized cost basis of the closed portfolios used in these hedging relationships was $16.2 billion, the cumulative basis adjustments associated with these hedging relationships was $(101) million, and the amounts of the designated hedged items were $7.4 billion. (2) Excluded from the above table are the cumulative amount of fair value hedge adjustments remaining for long-term debt for which hedge accounting has been discontinued in the amounts of $17 million at December 31, 2021 and $(62) million at December 31, 2020. Cash Flow Hedges At December 31, 2021, Huntington had $11.2 billion of interest rate floors and swaps. These are designated as cash flow hedges for variable rate commercial loans indexed to LIBOR. The change in the fair value of a derivative instrument designated as a cash flow hedge is initially recognized in OCI and is reclassified into income when the hedged item impacts earnings. The initial premium paid for the interest rate floor contracts represents the time value of the contracts and is not included in the measurement of hedge effectiveness. Any change in fair value related to time value is recognized in OCI. The initial premium paid is amortized on a straight line basis as a reduction to interest income over the contractual life of these contracts. At December 31, 2021, the net gains recognized in AOCI that are expected to be reclassified into earnings within the next 12 months were $24 million. Net Investment Hedges Huntington has entered into forward foreign exchange contracts to hedge the value of the Company’s investments in non-U.S. dollar functional currency entities. The total notional amount of forward foreign exchange contracts at December 31, 2021 was $210 million. Derivatives used in mortgage banking activities Mortgage loan origination hedging activity Huntington’s mortgage origination hedging activity is related to economically hedging Huntington’s mortgage pricing commitments to customers and the secondary sale to third parties. The value of a newly originated mortgage is not firm until the interest rate is committed of locked. Forward commitments to sell economically hedge the possible loss on interest rate lock commitments due to interest rate change. The net asset position of these derivatives was $15 million and $26 million at December 31, 2021 and December 31, 2020, respectively. At December 31, 2021 and December 31, 2020, Huntington had commitments to sell residential real estate loans of $2.1 billion and $2.9 billion, respectively. These contracts mature in less than one year. MSR hedging activity Huntington’s MSR economic hedging activity uses securities and derivatives to manage the value of the MSR asset and to mitigate the various types of risk inherent in the MSR asset, including risks related to duration, basis, convexity, volatility, and yield curve. The hedging instruments include forward commitments, TBA securities, Treasury futures contracts, interest rate swaps, and options on interest rate swaps. The notional value of the derivative financial instruments, the corresponding net asset (liability) position recognized in other assets and/or other liabilities, and net trading (losses) gains related to MSR hedging activity is summarized in the following table: MSR hedging activity At December 31, (dollar amounts in millions) 2021 2020 Notional value $ 1,330 $ 1,170 Trading assets 19 43 Year December 31, (dollar amounts in millions) 2021 2020 2019 Trading (losses) gains $ (26) $ 52 $ 30 MSR hedging trading assets and liabilities are included in other assets and other liabilities, respectively, in the Consolidated Balance Sheets. Trading (losses) gains are included in mortgage banking income in the Consolidated Statement of Income. Derivatives used in customer related activities Various derivative financial instruments are offered to enable customers to meet their financing and investing objectives and for their risk management purposes. Derivative financial instruments used in trading activities consist of commodity, interest rate, and foreign exchange contracts. Huntington enters into offsetting third-party contracts with approved, reputable counterparties with substantially matching terms and currencies in order to economically hedge significant exposure related to derivatives used in trading activities. The interest rate or price risk of customer derivatives is mitigated by entering into similar derivatives having offsetting terms with other counterparties. The credit risk to these customers is evaluated and included in the calculation of fair value. Foreign currency derivatives help the customer hedge risk and reduce exposure to fluctuations in exchange rates. Transactions are primarily in liquid currencies with Canadian dollars and Euros comprising a majority of all transactions. Commodity derivatives help the customer hedge risk and reduce exposure to fluctuations in the price of various commodities. Hedging of energy-related products and base metals comprise the majority of these transactions. The net fair values of these derivative financial instruments, for which the gross amounts are included in other assets or other liabilities at December 31, 2021 and December 31, 2020, were $51 million and $70 million, respectively. The total notional values of derivative financial instruments used by Huntington on behalf of customers, including offsetting derivatives, were $45 billion and $37 billion at December 31, 2021 and December 31, 2020, respectively. Huntington’s credit risk from customer derivatives was $551 million and $882 million at the same dates, respectively. Financial assets and liabilities that are offset in the Consolidated Balance Sheets Huntington records derivatives at fair value as further described in Note 19 - “ Fair Values of Assets and Liabilities ”. Derivative balances are presented on a net basis taking into consideration the effects of legally enforceable master netting agreements. Additionally, collateral exchanged with counterparties is also netted against the applicable derivative fair values. Huntington enters into derivative transactions with three primary groups: central clearinghouses, broker-dealers and banks, and Huntington’s customers. Different methods are utilized for managing counterparty credit exposure and credit risk for each of these groups. Huntington enters into collateral and master netting agreements with central clearinghouses and broker-dealers. Collateral is typically exchanged daily based on the net fair value of the positions with the counterparty from the preceding day. Collateral representing initial margin, which is based on future potential exposure, is also required to be pledged by us in relation to derivative instruments with central clearinghouse counterparties. Huntington additionally enters into transactions with customers to meet their financing, investing, payment and risk management needs. Huntington enters into master netting agreements with customer counterparties, however collateral is generally not exchanged with customer counterparties. In addition to the customer derivative credit exposure, aggregate credit risk associated with broker-dealer and bank derivative transactions, net of collateral that has been pledged by the counterparty, was $44 million and $175 million at December 31, 2021 and December 31, 2020, respectively. The credit risk associated with derivatives is calculated after considering master netting agreements. At December 31, 2021, Huntington pledged $135 million of investment securities and cash collateral to counterparties, while other counterparties pledged $467 million of investment securities and cash collateral to Huntington to satisfy collateral netting agreements. In the event of credit downgrades, Huntington would not be required to provide additional collateral. The following tables present the gross amounts of these assets and liabilities with any offsets to arrive at the net amounts recognized in the Consolidated Balance Sheets at December 31, 2021 and December 31, 2020: Offsetting of Financial Assets and Derivative Assets Gross amounts offset in the consolidated balance sheets Net amounts of assets presented in the consolidated balance sheets Gross amounts not offset in the consolidated balance sheets (dollar amounts in millions) Gross amounts of recognized assets Financial instruments Cash collateral received Net amount December 31, 2021 $ 1,065 $ (465) $ 600 $ (65) $ (31) $ 504 December 31, 2020 1,946 (889) 1,057 (112) (142) 803 Offsetting of Financial Liabilities and Derivative Liabilities Gross amounts offset in the consolidated balance sheets Net amounts of liabilities presented in the consolidated balance sheets Gross amounts not offset in the consolidated balance sheets (dollar amounts in millions) Gross amounts of recognized liabilities Financial instruments Cash collateral delivered Net amount December 31, 2021 $ 743 $ (624) $ 119 $ (3) $ (116) $ — December 31, 2020 1,033 (917) 116 (9) (105) 2

VIEs

VIEs	12 Months Ended
VIEs	Dec. 31, 2021
Organization, Consolidation and Presentation of Financial Statements [Abstract]
VIEs	VIEs Unconsolidated VIEs The following tables provide a summary of the assets and liabilities included in Huntington’s Consolidated Financial Statements, as well as the maximum exposure to losses, associated with its interests related to unconsolidated VIEs for which Huntington holds an interest in, but is not the primary beneficiary of, the VIE at December 31, 2021, and 2020: December 31, 2021 (dollar amounts in millions) Total Assets Total Liabilities Maximum Exposure to Loss Affordable Housing Tax Credit Partnerships $ 1,652 $ 949 $ 1,652 Trust Preferred Securities 14 248 — Other Investments 484 146 484 Total $ 2,150 $ 1,343 $ 2,136 December 31, 2020 (dollar amounts in millions) Total Assets Total Liabilities Maximum Exposure to Loss Affordable Housing Tax Credit Partnerships $ 956 $ 500 $ 956 Trust Preferred Securities 14 252 — Other Investments 308 72 308 Total $ 1,278 $ 824 $ 1,264 Trust-Preferred Securities Huntington has certain wholly-owned trusts whose assets, liabilities, equity, income, and expenses are not included within Huntington’s Consolidated Financial Statements. These trusts have been formed for the sole purpose of issuing trust-preferred securities, from which the proceeds are then invested in Huntington junior subordinated debentures, which are reflected in Huntington’s Consolidated Balance Sheet as long-term debt. The trust securities are the obligations of the trusts, and as such, are not consolidated within Huntington’s Consolidated Financial Statements. A list of trust-preferred securities outstanding at December 31, 2021 follows: (dollar amounts in millions) Rate Principal amount of subordinated note/ debenture issued to trust (1) Investment in unconsolidated subsidiary Huntington Capital I 0.91 % (2) $ 70 $ 7 Huntington Capital II 0.83 (3) 32 3 Sky Financial Capital Trust III 1.61 (4) 72 2 Sky Financial Capital Trust IV 1.61 (4) 74 2 Total $ 248 $ 14 (1) Represents the principal amount of debentures issued to each trust, including unamortized original issue discount. (2) Variable effective rate at December 31, 2021, based on three-month LIBOR + 0.70%. (3) Variable effective rate at December 31, 2021, based on three-month LIBOR + 0.625%. (4) Variable effective rate at December 31, 2021, based on three-month LIBOR + 1.40%. Each issue of the junior subordinated debentures has an interest rate equal to the corresponding trust securities distribution rate. Huntington has the right to defer payment of interest on the debentures at any time, or from time-to-time for a period not exceeding five years provided that no extension period may extend beyond the stated maturity of the related debentures. During any such extension period, distributions to the trust securities will also be deferred and Huntington’s ability to pay dividends on its common stock will be restricted. Periodic cash payments and payments upon liquidation or redemption with respect to trust securities are guaranteed by Huntington to the extent of funds held by the trusts. The guarantee ranks subordinate and junior in right of payment to all indebtedness of the Company to the same extent as the junior subordinated debt. The guarantee does not place a limitation on the amount of additional indebtedness that may be incurred by Huntington. Affordable Housing Tax Credit Partnerships Huntington makes certain equity investments in various limited partnerships that sponsor affordable housing projects utilizing the LIHTC pursuant to Section 42 of the Internal Revenue Code. The purpose of these investments is to achieve a satisfactory return on capital, to facilitate the sale of additional affordable housing product offerings, and to assist in achieving goals associated with the Community Reinvestment Act. The primary activities of the limited partnerships include the identification, development, and operation of multi-family housing that is leased to qualifying residential tenants. Generally, these types of investments are funded through a combination of debt and equity. Huntington uses the proportional amortization method to account for a majority of its investments in these entities. These investments are included in other assets. Investments that do not meet the requirements of the proportional amortization method are accounted for using the equity method. Investment losses are included in Other noninterest income in the Consolidated Statements of Income. The following table presents the balances of Huntington’s affordable housing tax credit investments and related unfunded commitments at December 31, 2021 and 2020. (dollar amounts in millions) December 31, December 31, Affordable housing tax credit investments $ 2,376 $ 1,568 Less: amortization (724) (612) Net affordable housing tax credit investments $ 1,652 $ 956 Unfunded commitments $ 949 $ 500 The following table presents other information relating to Huntington’s affordable housing tax credit investments for the years ended December 31, 2021, 2020, and 2019: Year Ended December 31, (dollar amounts in millions) 2021 2020 2019 Tax credits and other tax benefits recognized $ 144 $ 113 $ 98 Proportional amortization expense included in provision for income taxes 126 97 84 There were no sales of affordable housing tax credit investments during the years ended December 31, 2021 and 2020, and 2019. There was no impairment recognized for the years ended December 31, 2021 and 2020, and 2019. Other Investments Other investments determined to be VIE’s include investments in Small Business Investment Companies, Historic Tax Credit Investments, certain equity method investments, renewable energy financings, and other miscellaneous investments.

COMMITMENTS AND CONTINGENT LIAB

COMMITMENTS AND CONTINGENT LIABILITIES	12 Months Ended
COMMITMENTS AND CONTINGENT LIABILITIES	Dec. 31, 2021
Commitments and Contingencies Disclosure [Abstract]
COMMITMENTS AND CONTINGENT LIABILITIES	COMMITMENTS AND CONTINGENT LIABILITIES Commitments to extend credit In the ordinary course of business, Huntington makes various commitments to extend credit that are not reflected in the Consolidated Financial Statements. The contract amounts of these financial agreements at December 31, 2021, and December 31, 2020 were as follows: At December 31, (dollar amounts in millions) 2021 2020 Contract amount representing credit risk Commitments to extend credit: Commercial $ 27,933 $ 20,701 Consumer 18,513 14,808 Commercial real estate 3,042 1,313 Standby letters of credit and guarantees on industrial revenue bonds 694 581 Commercial letters of credit 36 21 Commitments to extend credit generally have fixed expiration dates, are variable-rate, and contain clauses that permit Huntington to terminate or otherwise renegotiate the contracts in the event of a significant deterioration in the customer’s credit quality. These arrangements normally require the payment of a fee by the customer, the pricing of which is based on prevailing market conditions, credit quality, probability of funding, and other relevant factors. Since many of these commitments are expected to expire without being drawn upon, the contract amounts are not necessarily indicative of future cash requirements. The interest rate risk arising from these financial instruments is insignificant as a result of their predominantly short-term, variable-rate nature. Collateral to secure any funding of these commitments predominately consists of residential and commercial real estate mortgage loans. Standby letters of credit and guarantees on industrial revenue bonds are conditional commitments issued to guarantee the performance of a customer to a third-party. These guarantees are primarily issued to support public and private borrowing arrangements, including commercial paper, bond financing, and similar transactions. Most of these arrangements mature within two years. Since the conditions under which Huntington is required to fund these commitments may not materialize, the cash requirements are expected to be less than the total outstanding commitments. The carrying amount of deferred revenue associated with these guarantees was $7 million and $5 million at December 31, 2021 and December 31, 2020, respectively. Commercial letters of credit represent short-term, self-liquidating instruments that facilitate customer trade transactions and generally have maturities of no longer than 90 days. The goods or cargo being traded normally secure these instruments. Litigation and Regulatory Matters In the ordinary course of business, Huntington is routinely a defendant in or party to pending and threatened legal and regulatory actions and proceedings. In view of the inherent difficulty of predicting the outcome of such matters, particularly where the claimants seek very large or indeterminate damages or where the matters present novel legal theories or involve a large number of parties, Huntington generally cannot predict what the eventual outcome of the pending matters will be, what the timing of the ultimate resolution of these matters will be, or what the eventual loss, fines, or penalties related to each matter may be. Huntington establishes an accrued liability when those matters present loss contingencies that are both probable and estimable. In such cases, there may be an exposure to loss in excess of any amounts accrued. Huntington thereafter continues to monitor the matter for further developments that could affect the amount of the accrued liability that has been previously established. For certain matters, Huntington is able to estimate a range of possible loss. In cases in which Huntington possesses information to estimate a range of possible loss, that estimate is aggregated and disclosed below. There may be other matters for which a loss is probable or reasonably possible but such an estimate of the range of possible loss may not be possible. For those matters where an estimate of the range of possible loss is possible, management currently estimates the aggregate range of reasonably possible loss is $0 to $15 million at December 31, 2021 in excess of the accrued liability (if any) related to those matters. This estimated range of possible loss is based upon currently available information and is subject to significant judgment, a variety of assumptions, and known and unknown uncertainties. The matters underlying the estimated range will change from time to time, and actual results may vary significantly from the current estimate. The estimated range of possible loss does not represent Huntington’s maximum loss exposure. Based on current knowledge, management does not believe that loss contingencies arising from pending matters will have a material adverse effect on the consolidated financial position of Huntington. Further, management believes that amounts accrued are adequate to address Huntington’s contingent liabilities. However, in light of the inherent uncertainties involved in these matters, some of which are beyond Huntington’s control, and the large or indeterminate damages sought in some of these matters, an adverse outcome in one or more of these matters could be material to Huntington’s results of operations for any particular reporting period.

OTHER REGULATORY MATTERS

OTHER REGULATORY MATTERS	12 Months Ended
OTHER REGULATORY MATTERS	Dec. 31, 2021
BankingRegulation [Abstract]
OTHER REGULATORY MATTERS	OTHER REGULATORY MATTERS Huntington and the Bank are subject to certain risk-based capital and leverage ratio requirements under the U.S. Basel III capital rules adopted by the Federal Reserve, for Huntington, and by the OCC, for the Bank. These rules implement the Basel III international regulatory capital standards in the United States, as well as certain provisions of the Dodd-Frank Act. These quantitative calculations are minimums, and the Federal Reserve and OCC may determine that a banking organization, based on its size, complexity or risk profile, must maintain a higher level of capital in order to operate in a safe and sound manner. Under the U.S. Basel III capital rules, Huntington’s and the Bank’s assets, exposures and certain off-balance sheet items are subject to risk weights used to determine the institutions’ risk-weighted assets. These risk-weighted assets are used to calculate the following minimum capital ratios for Huntington and the Bank: CET1 Risk-Based Capital Ratio , equal to the ratio of CET1 capital to risk-weighted assets. CET1 capital primarily includes common shareholders’ equity subject to certain regulatory adjustments and deductions, including with respect to goodwill, intangible assets, certain deferred tax assets, and AOCI. Tier 1 Risk-Based Capital Ratio , equal to the ratio of Tier 1 capital to risk-weighted assets. Tier 1 capital is primarily comprised of CET1 capital, perpetual preferred stock and certain qualifying capital instruments. Total Risk-Based Capital Ratio , equal to the ratio of total capital, including CET1 capital, Tier 1 capital and Tier 2 capital, to risk-weighted assets. Tier 2 capital primarily includes qualifying subordinated debt and qualifying ALLL. Tier 2 capital also includes, among other things, certain trust preferred securities. Tier 1 Leverage Ratio , equal to the ratio of Tier 1 capital to quarterly average assets (net of goodwill, certain other intangible assets and certain other deductions). The total minimum regulatory capital ratios and well-capitalized minimum ratios are reflected on the following page. Failure to be well-capitalized or to meet minimum capital requirements could result in certain mandatory and possible additional discretionary actions by regulators that, if undertaken, could have an adverse material effect on our operations or financial condition. Failure to be well-capitalized or to meet minimum capital requirements could also result in restrictions on Huntington’s or the Bank’s ability to pay dividends or otherwise distribute capital or to receive regulatory approval of applications. In addition to meeting the minimum capital requirements, under the U.S. Basel III capital rules Huntington and the Bank must also maintain the required stress capital buffer, which has been established as 2.5% for Huntington, to avoid becoming subject to restrictions on capital distributions and certain discretionary bonus payments to management. The stress capital buffer is calculated as a ratio of CET1 capital to risk-weighted assets, and it effectively increases the required minimum risk-based capital ratios. As of December 31, 2021, Huntington’s and the Bank’s regulatory capital ratios were above the well-capitalized standards and met the applicable stress capital buffer. Please refer to the table below for a summary of Huntington’s and the Bank’s regulatory capital ratios. Minimum Minimum Basel III Regulatory Ratio+Capital Well- December 31, Capital Conservation Capitalized 2021 2020 (dollar amounts in millions) Ratios Buffer (1) Minimums Ratio Amount Ratio Amount CET 1 risk-based capital Consolidated 4.50 % 7.00 % N/A 9.33 % $ 12,249 10.00 % $ 8,887 Bank 4.50 7.00 6.50 % 10.15 13,261 10.65 9,438 Tier 1 risk-based capital Consolidated 6.00 8.50 6.00 10.99 14,426 12.47 11,083 Bank 6.00 8.50 8.00 11.06 14,445 11.97 10,601 Total risk-based capital Consolidated 8.00 10.50 10.00 13.14 17,246 14.46 12,856 Bank 8.00 10.50 10.00 12.58 16,427 13.58 12,032 Tier 1 leverage Consolidated 4.00 N/A N/A 8.56 14,426 9.32 9,854 Bank 4.00 N/A 5.00 8.60 14,445 8.94 10,601 (1) Reflects the stress capital buffer of 2.5%. Huntington and its subsidiaries are also subject to various regulatory requirements that impose restrictions on cash, debt, and dividends. The Bank is required to maintain cash reserves based on the level of certain of its deposits. This reserve requirement may be met by holding cash in banking offices or on deposit at the FRB. During 2021 and 2020, the average balances of these deposits were $7.2 billion and $3.9 billion, respectively. Under current Federal Reserve regulations, the Bank is limited as to the amount and type of loans it may make to the parent company and nonbank subsidiaries. At December 31, 2021, the Bank could lend $1.6 billion to a single affiliate, subject to the qualifying collateral requirements defined in the regulations.

PARENT-ONLY FINANCIAL STATEMENT

PARENT-ONLY FINANCIAL STATEMENTS	12 Months Ended
PARENT-ONLY FINANCIAL STATEMENTS	Dec. 31, 2021
Condensed Financial Information Disclosure [Abstract]
PARENT-ONLY FINANCIAL STATEMENTS	PARENT-ONLY FINANCIAL STATEMENTS The parent-only financial statements, which include transactions with subsidiaries, are as follows: Balance Sheets December 31, (dollar amounts in millions) 2021 2020 Assets Cash and due from banks $ 2,832 $ 4,466 Due from The Huntington National Bank 297 297 Due from non-bank subsidiaries 35 37 Investment in The Huntington National Bank 19,297 12,509 Investment in non-bank subsidiaries 217 147 Accrued interest receivable and other assets 544 429 Total assets $ 23,222 $ 17,885 Liabilities and shareholders’ equity Long-term borrowings $ 3,111 $ 4,142 Dividends payable, accrued expenses, and other liabilities 815 750 Total liabilities 3,926 4,892 Shareholders’ equity (1) 19,296 12,993 Total liabilities and shareholders’ equity $ 23,222 $ 17,885 (1) See Consolidated Statements of Changes in Shareholders’ Equity. Statements of Income Year Ended December 31, (dollar amounts in millions) 2021 2020 2019 Income Dividends from: The Huntington National Bank $ 1,394 $ 1,527 $ 685 Non-bank subsidiaries 19 36 3 Interest from: The Huntington National Bank 3 4 8 Non-bank subsidiaries 1 1 2 Other — 11 2 Total income 1,417 1,579 700 Expense Personnel costs 6 17 6 Interest on borrowings 60 115 143 Other 230 123 145 Total expense 296 255 294 Income before income taxes and equity in undistributed net income of subsidiaries 1,121 1,324 406 Provision (benefit) for income taxes (56) (46) (63) Income before equity in undistributed net income of subsidiaries 1,177 1,370 469 Increase (decrease) in undistributed net income (loss) of: The Huntington National Bank 97 (547) 908 Non-bank subsidiaries 21 (6) 34 Net income $ 1,295 $ 817 $ 1,411 Other comprehensive income (loss) (1) (421) 448 353 Comprehensive income $ 874 $ 1,265 $ 1,764 (1) See Consolidated Statements of Comprehensive Income for other comprehensive income (loss) detail. Statements of Cash Flows Year Ended December 31, (dollar amounts in millions) 2021 2020 2019 Operating activities Net income $ 1,295 $ 817 $ 1,411 Adjustments to reconcile net income to net cash provided by operating activities: Equity in undistributed net income of subsidiaries (118) 553 (942) Depreciation and amortization 23 — (2) Other, net (217) 89 (19) Net cash (used for) provided by operating activities 983 1,459 448 Investing activities Repayments from subsidiaries 8 8 701 Advances to subsidiaries (59) (256) (11) (Purchases)/Proceeds from sale of securities (28) (1) (38) Net cash received from business combination 248 — — Net cash (used for) provided by investing activities 169 (249) 652 Financing activities Net proceeds from issuance of medium-term notes 513 747 797 Payment of long-term debt (1,508) (800) — Dividends paid on common and preferred stock (888) (698) (671) Repurchases of common stock (650) (92) (441) Net proceeds from issuance of preferred stock 486 988 — Payment to repurchase preferred stock (700) — — Other, net (39) (8) (18) Net cash provided by (used for) financing activities (2,786) 137 (333) Increase (decrease) in cash and cash equivalents (1,634) 1,347 767 Cash and cash equivalents at beginning of year 4,466 3,119 2,352 Cash and cash equivalents at end of year $ 2,832 $ 4,466 $ 3,119 Supplemental disclosure: Interest paid $ 71 $ 113 $ 135

SEGMENT REPORTING

SEGMENT REPORTING	12 Months Ended
SEGMENT REPORTING	Dec. 31, 2021
Segment Reporting [Abstract]
SEGMENT REPORTING	SEGMENT REPORTING Huntington’s business segments are based on our internally-aligned segment leadership structure, which is how management monitors results and assesses performance. The Company has four major business segments: Commercial Banking, Consumer and Business Banking, Vehicle Finance, Regional Banking and The Huntington Private Client Group (RBHPCG). The Treasury / Other function includes technology and operations, other unallocated assets, liabilities, revenue, and expense. Business segment results are determined based upon Huntington’s management reporting system, which assigns balance sheet and income statement items to each of the business segments. The process is designed around the organizational and management structure and, accordingly, the results derived are not necessarily comparable with similar information published by other financial institutions. Additionally, because of the interrelationships of the various segments, the information presented is not indicative of how the segments would perform if they operated as independent entities. Revenue is recorded in the business segment responsible for the related product or service. Fee sharing is recorded to allocate portions of such revenue to other business segments involved in selling to, or providing service to customers. Results of operations for the business segments reflect these fee sharing allocations. The management process that develops the business segment reporting utilizes various estimates and allocation methodologies to measure the performance of the business segments. Expenses are allocated to business segments using a two-phase approach. The first phase consists of measuring and assigning unit costs (activity-based costs) to activities related to product origination and servicing. These activity-based costs are then extended, based on volumes, with the resulting amount allocated to business segments that own the related products. The second phase consists of the allocation of overhead costs to all four business segments from Treasury / Other. Huntington utilizes a full-allocation methodology, where all Treasury / Other expenses, except reported acquisition-related net expenses, if any, and a small amount of other residual unallocated expenses, are allocated to the four business segments. The management policies and processes utilized in compiling segment financial information are highly subjective and, unlike financial accounting, are not based on authoritative guidance similar to GAAP. As a result, reported segment results are not necessarily comparable with similar information reported by other financial institutions. Furthermore, changes in management structure or allocation methodologies and procedures result in changes in reported segment financial data. Accordingly, certain amounts have been reclassified to conform to the current period presentation. Huntington uses an active and centralized FTP methodology to attribute appropriate net interest income to the business segments. The intent of the FTP methodology is to transfer interest rate risk from the business segments by providing matched duration funding of assets and liabilities. The result is to centralize the financial impact, management, and reporting of interest rate risk in the Treasury / Other function where it can be centrally monitored and managed. The Treasury / Other function charges (credits) an internal cost of funds for assets held in (or pays for funding provided by) each business segment. The FTP rate is based on prevailing market interest rates for comparable duration assets (or liabilities). Commercial Banking - Through a relationship banking model, the Commercial Banking segment provides a comprehensive set of product offerings and capabilities to middle market, large corporate, specialized industries and government/public sector customers located within our geographic footprint, as well as nationally. The segment is divided into five business units: Regional Commercial Banking, Specialty Banking, Asset Finance, Treasury Management and Capital Markets. Consumer and Business Banking - The Consumer and Business Banking segment, including Home Lending, provides a wide array of financial products and services to consumer and small business customers including but not limited to checking accounts, savings accounts, money market accounts, CDs, investments, consumer loans, credit cards, and small business loans. Other financial services available to customers include mortgages, insurance, interest rate risk protection, foreign exchange, and treasury management. Business Banking is defined as serving companies with revenues up to $20 million. Home Lending supports origination and servicing of consumer loans and mortgages for customers who are generally located in our primary banking markets across all segments. Vehicle Finance - Our products and services include providing financing to consumers for the purchase of automobiles, light-duty trucks, recreational vehicles, and marine craft at franchised and other select dealerships, and providing financing to franchised dealerships for the acquisition of new and used inventory. Products and services are delivered through highly specialized relationship-focused bankers and product partners. Regional Banking and The Huntington Private Client Group - The core business of The Huntington Private Client Group is The Huntington Private Bank, which consists of Private Banking, Wealth & Investment Management, and Retirement Plan Services. The Huntington Private Bank provides high net-worth customers with deposit, lending (including specialized lending options), and banking services. The Huntington Private Bank also delivers wealth management and legacy planning through investment and portfolio management, fiduciary administration, and trust services. This group also provides retirement plan services to corporate businesses. The Huntington Private Client Group provides corporate trust services and institutional and mutual fund custody services. Listed in the table below is certain operating basis financial information reconciled to Huntington’s December 31, 2021, December 31, 2020, and December 31, 2019, reported results by business segment: Income Statements (dollar amounts in millions) Commercial Banking Consumer & Business Banking Vehicle Finance RBHPCG Treasury / Other Huntington Consolidated 2021 Net interest income $ 1,284 $ 1,667 $ 468 $ 159 $ 524 $ 4,102 Provision for credit losses 4 91 (86) 16 — 25 Noninterest income 523 1,045 13 227 81 1,889 Noninterest expense 791 2,231 163 300 890 4,375 Provision (benefit) for income taxes 212 82 85 15 (100) 294 Income attributable to non-controlling interest 2 — — — — 2 Net income attributable to Huntington Bancshares Inc $ 798 $ 308 $ 319 $ 55 $ (185) $ 1,295 2020 Net interest income $ 903 $ 1,436 $ 430 $ 160 $ 295 $ 3,224 Provision for credit losses 626 265 146 11 — 1,048 Noninterest income 364 945 9 201 72 1,591 Noninterest expense 542 1,774 141 243 95 2,795 Provision for income taxes 21 72 32 22 8 155 Net income $ 78 $ 270 $ 120 $ 85 $ 264 $ 817 2019 Net interest income $ 1,037 $ 1,766 $ 397 $ 198 $ (185) $ 3,213 Provision for credit losses 132 114 44 (3) — 287 Noninterest income 359 825 12 198 60 1,454 Noninterest expense 564 1,673 148 256 80 2,721 Provision (benefit) for income taxes 147 169 45 30 (143) 248 Net income (loss) $ 553 $ 635 $ 172 $ 113 $ (62) $ 1,411 Assets at December 31, Deposits at December 31, (dollar amounts in millions) 2021 2020 2021 2020 Commercial Banking 57,071 36,311 31,845 24,766 Consumer & Business Banking $ 39,929 $ 30,758 $ 95,352 $ 60,910 Vehicle Finance 20,752 19,789 1,401 722 RBHPCG 8,325 7,064 10,162 7,635 Treasury / Other 47,987 29,116 4,503 4,915 Total $ 174,064 $ 123,038 $ 143,263 $ 98,948

SIGNIFICANT ACCOUNTING POLICI_2

SIGNIFICANT ACCOUNTING POLICIES (Policies)	12 Months Ended
SIGNIFICANT ACCOUNTING POLICIES (Policies)	Dec. 31, 2021
Accounting Policies [Abstract]
Basis of Presentation	Basis of Presentation — The Consolidated Financial Statements include the accounts of Huntington and its majority-owned subsidiaries and are presented in accordance with GAAP. All intercompany transactions and balances are eliminated in consolidation. Entities in which Huntington holds a controlling financial interest are consolidated. For a voting interest entity, a controlling financial interest is generally where Huntington holds, directly or indirectly, more than 50 percent of the outstanding voting shares. For a variable interest entity (VIE), a controlling financial interest is where Huntington has the power to direct the activities of an entity that most significantly impact the entity’s economic performance and has an obligation to absorb losses or the right to receive benefits from the VIE. For consolidated entities where Huntington holds less than a 100% interest, Huntington recognizes non-controlling interest (included in shareholders’ equity) for the equity held by minority shareholders and non-controlling profit or loss (included in noninterest expense) for the portion of the entity’s earnings attributable to minority interests. Investments in companies that are not consolidated are accounted for using the equity method when Huntington has the ability to exert significant influence. Investments in non-marketable equity securities for which Huntington does not have the ability to exert significant influence are generally accounted for using the cost method adjusted for impairment and other changes in observable prices. Investments in private investment partnerships that are accounted for under the equity method or the cost method are included in other assets and Huntington’s earnings in equity investments are included in other noninterest income. Investments accounted for under the cost and equity methods are periodically evaluated for impairment. The preparation of financial statements in conformity with GAAP requires management to make estimates and assumptions that significantly affect amounts reported in the Consolidated Financial Statements. Huntington utilizes processes that involve the use of significant estimates and the judgments of management in determining the amount of its allowance for credit losses, income taxes, as well as fair value measurements of investment securities, derivative instruments, goodwill, other intangible assets, pension assets and liabilities, short-term borrowings, mortgage servicing rights, and loans held for sale. As with any estimate, actual results could differ from those estimates. For statements of cash flows purposes, cash and cash equivalents are defined as the sum of cash and due from banks and interest-bearing deposits at Federal Reserve Bank.
Resale and Repurchase Agreements	Resale and Repurchase Agreements — Securities purchased under agreements to resell and securities sold under agreements to repurchase are treated as collateralized financing transactions and are recorded at the amounts at which the securities were acquired or sold plus accrued interest. The fair value of collateral either received from or provided to a third-party is monitored and additional collateral is obtained or requested to be returned to Huntington in accordance with the agreement.
Securities	Securities — Securities purchased with the intention of recognizing short-term profits or which are actively bought and sold are classified as trading account securities and reported at fair value. The unrealized gains or losses on trading account securities are recorded in other noninterest income. Debt securities purchased that Huntington has the positive intent and ability to hold to their maturity are classified as held-to-maturity securities. Held-to-maturity securities are recorded at amortized cost. All other debt securities are classified as available-for-sale securities. Available-for-sale securities are recognized and measured at fair value with any change in the fair value recognized in other comprehensive income. All equity securities are classified as other securities. Securities transactions are recognized on the trade date (the date the order to buy or sell is executed). The carrying value plus any related accumulated OCI balance of sold securities is used to compute realized gains and losses. Interest on securities, including amortization of premiums and accretion of discounts using the effective interest method over the period to maturity, is included in interest income. Non-marketable equity securities include stock held for membership and regulatory purposes, such as FHLB stock and FRB stock. These securities are accounted for at cost, evaluated for impairment, and are included in other securities. Other securities also include mutual funds and other marketable equity securities. These securities are carried at fair value, with changes in fair value recognized in other noninterest income.
Loans and Leases	Loans and Leases — Loans for which Huntington has the intent and ability to hold for the foreseeable future, or until maturity or payoff, except loans for which the fair value option has been elected, are carried at the principal amount outstanding, net of charge-offs, unamortized deferred loan origination fees and costs, premiums and discounts, and unearned income. Direct financing leases are reported at the aggregate of lease payments receivable and estimated residual values, net of unearned and deferred income, and any initial direct costs incurred to originate these leases. Renewal options for leases are at the option of the lessee, and are typically not included in the measurement of the lease receivable as they are not considered reasonably certain of exercise. Purchase options are typically at fair value, and as such those options are not considered in the measurement of lease receivables or in lease classification. Interest income is accrued as earned using the interest method. Huntington defers the fees it receives from the origination of loans and leases, as well as the direct costs of those activities. Huntington also acquires loans at premiums and/or discounts to their contractual values. Huntington amortizes loan discounts, premiums, and net loan origination fees and costs over the contractual lives of the related loans using the effective interest method. Troubled debt restructurings are loans for which the original contractual terms have been modified to provide a concession to a borrower experiencing financial difficulties. Loan modifications are considered TDRs when the concessions provided are not available to the borrower through either normal channels or other sources. However, not all loan modifications are TDRs. Modifications resulting in troubled debt restructurings may include changes to one or more terms of the loan, including but not limited to, a change in interest rate, an extension of the repayment period, a reduction in payment amount, and partial forgiveness or deferment of principal or accrued interest. Impairment of the residual values of direct financing leases is evaluated quarterly, with impairment arising if the expected fair value is less than the carrying amount. Huntington assesses net investments in leases (including residual values) for impairment and recognizes impairment losses in accordance with the impairment guidance for financial instruments. As such, net investments in leases may be reduced by an allowance for credit losses, with changes recognized as provision expense. For leased equipment, the residual component of a direct financing lease represents the estimated fair value of the leased equipment at the end of the lease term. Huntington uses industry data, historical experience, and independent appraisals to establish these residual value estimates. Additional information regarding product life cycle, product upgrades, as well as insight into competing products are obtained through relationships with industry contacts and are factored into residual value estimates where applicable. Upon expiration of a lease, residual assets are remarketed, resulting in an extension of the lease by the lessee, a lease to a new customer, or purchase of the residual asset by the lessee or another party. Huntington also purchases insurance guaranteeing the value of certain residual assets.
Loans Held for Sale	Loans Held for Sale — Loans in which Huntington does not have the intent and ability to hold for the foreseeable future are classified as loans held for sale. Loans held for sale are carried at (a) the lower of cost or fair value less costs to sell, or (b) fair value where the fair value option is elected. The fair value option is generally elected for mortgage loans originated with the intent to sell. The fair value of such loans is estimated based on the inputs that include prices of mortgage backed securities adjusted for other variables such as, interest rates, expected credit defaults and market discount rates. The adjusted value reflects the price we expect to receive from the sale of such loans.
Nonaccrual and Past Due Loans	Nonaccrual and Past Due Loans — Loans are considered past due when the contractual amounts due with respect to principal and interest are not received within 30 days of the contractual due date. Any loan in any portfolio may be placed on nonaccrual status prior to the policies described below when collection of principal or interest is in doubt. When a borrower with debt is discharged in a Chapter 7 bankruptcy and the debt is not reaffirmed by the borrower, the loan is determined to be collateral dependent and placed on nonaccrual status, unless there is a co-borrower or the repayment is likely to occur based on objective evidence. All classes within the commercial loan and lease portfolio are placed on nonaccrual status at 90-days past due. First-lien home equity loans are placed on nonaccrual status at 150-days past due. Junior-lien home equity loans are placed on nonaccrual status at the earlier of 120-days past due or when the related first-lien loan has been identified as nonaccrual. Automobile, RV and marine and other consumer loans are generally fully charged-off at 120-days past due, and if not fully charged-off are placed on non-accrual. Residential mortgage loans are placed on nonaccrual status at 150-days past due, with the exception of residential mortgages guaranteed by government agencies which continue to accrue interest at the rate guaranteed by the government agency. For all classes within all loan portfolios, when a loan is placed on nonaccrual status, any accrued interest is reversed and charged against interest income. For all classes within all loan portfolios, cash receipts on NALs are applied against principal until the loan or lease has been collected in full, including the charged-off portion, after which time any additional cash receipts are recognized as interest income. However, for secured non-reaffirmed debt in a Chapter 7 bankruptcy, payments are applied to principal and interest when the borrower has demonstrated a capacity to continue payment of the debt and collection of the debt is reasonably assured. For unsecured non-reaffirmed debt in a Chapter 7 bankruptcy where the carrying value has been fully charged-off, payments are recorded as loan recoveries. Within the commercial loan and lease portfolio, the determination of a borrower’s ability to make the required principal and interest payments is based on an examination of the borrower’s current financial statements, industry, management capabilities, and other qualitative measures. For all classes within the consumer loan portfolio, the determination of a borrower’s ability to make the required principal and interest payments is based on multiple factors, including number of days past due and, in some instances, an evaluation of the borrower’s financial condition. When, in management’s judgment, the borrower’s ability to make required principal and interest payments resumes and collectability is no longer in doubt, supported by sustained repayment history, the loan is returned to accrual status. For loans that are returned to accrual status, cash receipts are applied according to the contractual terms of the loan. Collateral-dependent Loans — Certain commercial and consumer loans for which repayment is expected to be provided substantially through the operation or sale of the loan collateral are considered to be collateral-dependent. Commercial collateral-dependent loans are generally secured by business assets and/or commercial real estate. Consumer collateral-dependent loans are primarily secured by residential real estate or automobiles.
Allowance for Credit Losses	Allowance for Credit Losses — Huntington maintains an ACL on its loan and lease portfolio, held-to-maturity securities as well as on available-for-sale securities. The ACL on loan and lease portfolio and held-to-maturity securities are provided through an expected loss methodology referred to as current expected credit loss (“CECL”) methodology. The ACL on AFS securities is provided when a credit loss is deemed to have occurred for securities which Huntington does not intend to sell or is not required to sell. The CECL methodology also applies to credit exposures on off-balance-sheet loan commitments, financial guarantees not accounted for as insurance, including standby letters of credit, and other similar instruments not recognized as derivative financial instruments. Loans - The ACL is deducted from the amortized cost basis of a financial asset or a group of financial assets so that the balance sheet reflects the net amount Huntington expects to collect. Amortized cost is the principal balance outstanding, net of purchase premiums and discounts, fair value hedge accounting adjustments, and deferred fees and costs. Subsequent changes (favorable and unfavorable) in expected credit losses are recognized immediately in net income as a credit loss expense or a reversal of credit loss expense. Management estimates the allowance by projecting probability-of-default, loss-given-default and exposure-at-default depending on loan risk characteristics and economic parameters for each month of the remaining contractual term. Commercial loan risk characteristics include but are not limited to risk ratings, industry type and maturity type. Consumer loan risk characteristics include but are not limited to FICO scores, LTV and loan vintages. The economic parameters are developed using available information relating to past events, current conditions, and reasonable and supportable forecasts. Huntington’s reasonable and supportable forecast period reverts to a historical norm based on inputs within approximately two to three years. The reversion period is dependent on the state of the economy at the beginning of the forecast. Historical credit experience provides the basis for the estimation of expected credit losses, with adjustments made for differences in current loan-specific risk characteristics such as differences in underwriting standards, portfolio mix, delinquency levels and terms, as well as for changes in the micro- and macroeconomic environments. The contractual terms of financial assets are adjusted for expected prepayments and any extensions outside of Huntington’s control. The ACL is measured on a collective basis when similar risk characteristics exist. Loans that are determined to have unique risk characteristics are evaluated on an individual basis by management. If a loan is determined to be collateral dependent or meets the criteria to apply the collateral dependent practical expedient, expected credit losses are determined based on the fair value of the collateral at the reporting date, less costs to sell as appropriate. Loans with unique risk characteristics that are not subject to collateral dependent accounting, are assessed using a discounted cash flows methodology. Management believes the products within each of the entity’s portfolio classes exhibit similar risk characteristics. Huntington has identified its portfolio classes as disclosed in Note 5 - “ Loans and Leases ”. In addition to the transactional reserve described above, Huntington also maintains a general reserve that consists of various risk-profile reserve components. The risk-profile components consider items unique to Huntington’s structure, policies, processes and portfolio composition, as well as qualitative measurements and assessments of the loan portfolios including, but not limited to, economic uncertainty, concentrations, portfolio composition, industry comparisons and internal review functions. Huntington has elected to exclude accrued interest receivable from the measurement of its ACL given the well-defined non-accrual policies in place for all loan portfolios which results in timely reversal of outstanding interest through interest income. For certain loans on active deferral related to COVID-19, the collection of interest may be delayed for an extended period of time. The accrued interest on these active deferral loans is contemplated in establishing the ACL. The estimate for the off-balance sheet exposures, the AULC, is determined using the same procedures and methodologies as used for the loan and lease portfolio supplemented by the information related to future draws and related credit loss expectations. The AULC is recorded in other liabilities in the Consolidated Balance Sheets. Prior to the implementation of ASU 2016-13 (CECL) on January 1, 2020, the allowance for credit losses was subject to the guidance included in ASC 310 and ASC 450. Under the guidance, the bank was required to use an incurred loss methodology to estimate credit losses that were estimated to be incurred in the loan portfolio and that could ultimately materialize into confirmed losses in the form of charge-offs. The incurred loss methodology was a backward-looking approach to loss recognition and based on the concept of a triggering event having taken place, causing a loss to be inherent within the portfolio. This methodology under ASC 450 was predicated on a loss emergence period that was applied at a portfolio level. Loss emergence periods, PD’s and LGD’s were all based on historical loss experience within the loan portfolios. Consideration of forward looking macro-economic expectations was not permitted under this allowance methodology. Additionally, loans that were identified as impaired under the definition of ASC 310, were required to be assessed on an individual basis. The allowance for credit losses and resulting provision expense levels for comparative periods presented in this document were estimated in accordance with these requirements. HTM Securities - The allowance for held-to-maturity debt securities is estimated using a CECL methodology. Any expected credit loss is provided through the allowance for credit loss on HTM securities and is deducted from the amortized cost basis of the security so that the balance sheet reflects the net amount Huntington expects to collect. Nearly all of Huntington’s HTM debt securities are issued by U.S. government entities and agencies. These securities are either explicitly or implicitly guaranteed by the U.S. government, are highly rated by major rating agencies, and have a long history of no credit losses. Accordingly, there is a zero credit loss expectation on these securities.
Charge-off of Uncollectible Loans	Charge-off of Uncollectible Loans — Any loan in any portfolio may be charged-off prior to the policies described below if a loss confirming event has occurred. Loss confirming events include, but are not limited to, bankruptcy (unsecured), continued delinquency, foreclosure, or receipt of an asset valuation indicating a collateral deficiency and that asset is the sole source of repayment. Additionally, discharged, collateral dependent non-reaffirmed debt in Chapter 7 bankruptcy filings will result in a charge-off to estimated collateral value, less anticipated selling costs, unless the repayment is likely to occur based on objective evidence. Commercial loans and leases are generally either charged-off or written down to net realizable value at 90-days past due. Automobile, RV and marine and other consumer loans are generally charged-off at 120-days past due. First-lien and junior-lien home equity loans are charged-off to the estimated fair value of the collateral, less anticipated selling costs, at 150-days past due and 120-days past due, respectively. Residential mortgages are charged-off to the estimated fair value of the collateral at 150-days past due.
Collateral	Collateral — Huntington pledges assets as collateral as required for various transactions including security repurchase agreements, public deposits, loan notes, derivative financial instruments, short-term borrowings and long-term borrowings. Assets that have been pledged as collateral, including those that can be sold or repledged by the secured party, continue to be reported on the Consolidated Balance Sheets. Huntington also accepts collateral, primarily as part of various transactions including derivative instruments and security resale agreements. Collateral received is excluded from the Consolidated Balance Sheets.
Premises and Equipment	Premises and Equipment — Premises and equipment are stated at cost, less accumulated depreciation and amortization. Depreciation is computed principally by the straight-line method over the estimated useful lives of the related assets. Buildings and building improvements are depreciated over an average of 30 to 40 years and 10 to 30 years, respectively. Land improvements and furniture and fixtures are depreciated over an average of 5 to 20 years, while equipment is depreciated over a range of 3 to 10 years. Leasehold improvements are amortized over the lesser of the asset’s useful life or the lease term, including any renewal periods for which renewal is reasonably assured. Maintenance and repairs are charged to expense as incurred, while improvements that extend the useful life of an asset are capitalized and depreciated over the remaining useful life. Amounts in premises and equipment may include items classified as held-for-sale, which are carried at lower of cost or fair value, less costs to sell. Premises and equipment are evaluated for impairment whenever events or changes in circumstances indicate that the carrying amount of the asset may not be recoverable.
Mortgage Servicing Rights	Mortgage Servicing Rights — Huntington recognizes the rights to service mortgage loans as an asset when servicing is contractually separated from the underlying mortgage loans by sale or securitization of the loans with servicing rights retained or when purchased. MSRs are included in servicing rights and other intangible assets in the Consolidated Balance Sheets. All MSR assets are recorded using the fair value method. Any change in the fair value of MSRs during the period is recorded in mortgage banking income.
Goodwill and Other Intangible Assets	Goodwill and Other Intangible Assets — Under the acquisition method of accounting, the net assets of entities acquired by Huntington are recorded at their estimated fair value at the date of acquisition. The excess cost of consideration paid over the fair value of net assets acquired is recorded as goodwill. Other intangible assets with finite useful lives are amortized either on an accelerated or straight-line basis over their estimated useful lives. Goodwill is evaluated for impairment on an annual basis at October 1 st of each year or whenever events or changes in circumstances indicate that the carrying value may not be recoverable. Other intangible assets are reviewed for impairment whenever events or changes in circumstances indicate that the carrying amount of the asset may not be recoverable.
Operating Leases (Lessee)	Operating Leases (Lessee) — Huntington has elected not to include non-lease components in the measurement of right-of-use assets, and as such allocates the costs attributable to such components, where those costs are not separately identifiable, via per-square-foot costing analysis developed by the entity for owned and leased spaces. Huntington uses a portfolio approach to develop discount rates as its lease portfolio is comprised of substantially all branch space and office space used in the entity’s operations. That rate, an input used in the measurement of the entity’s right-of-use assets, leverages an incremental borrowing rate of appropriate tenor and collateralization.
Derivative Financial Instruments	Derivative Financial Instruments — A variety of derivative financial instruments, principally interest rate swaps, caps, floors, and collars, are used in asset and liability management activities to protect against the risk of adverse price or interest rate movements. These instruments provide flexibility in adjusting Huntington’s sensitivity to changes in interest rates without exposure to loss of principal and higher funding requirements. Huntington also uses derivatives, principally loan sale commitments, in hedging its mortgage loan interest rate lock commitments and its mortgage loans held for sale. Mortgage loan sale commitments and the related interest rate lock commitments are carried at fair value on the Consolidated Balance Sheets with changes in fair value reflected in mortgage banking income. Huntington also uses certain derivative financial instruments to offset changes in value of its MSRs. These derivatives consist primarily of forward interest rate agreements and forward mortgage contracts. The derivative instruments used are not designated as qualifying hedges. Accordingly, such derivatives are recorded at fair value with changes in fair value reflected in mortgage banking income. Derivative financial instruments are recorded in the Consolidated Balance Sheets as either an asset or a liability (in other assets and other liabilities, respectively) and measured at fair value. Accounting for changes in fair value of derivatives depends on whether the derivative is designated and qualifies in a hedging relationship. At inception a derivative contract can be designated as: • a qualifying hedge of the fair value of a recognized asset or liability or of an unrecognized firm commitment (fair value hedge); • a qualifying hedge of the variability of cash flows to be received or paid related to a recognized asset, liability or forecasted transaction (cash flow hedge); or • a qualifying hedge of Huntington’s investment in non-U.S. dollar functional currency entities (net investment hedge). Changes in the fair value of a derivative that has been designated and qualifies as a fair value hedge, along with the changes in the fair value of the hedged asset or liability that is attributable to the hedged risk, are recorded in current period earnings. Changes in the fair value of a derivative that has been designated and qualifies as a cash flow hedge are recorded in other comprehensive income, net of income taxes, and reclassified into earnings in the period during which the hedged item affects earnings. Changes in the fair value of derivatives that have been designated as net investment hedges are recorded in other comprehensive income, net of income taxes, and reclassified into earnings during the period the foreign entity is substantially liquidated or other elements of the currency translation adjustment are reclassified into earnings. Changes in the fair value of derivatives held for trading purposes or which do not qualify for hedge accounting are reported in current period earnings. For those derivatives to which hedge accounting is applied, Huntington formally documents the hedging relationship and the risk management objective and strategy for undertaking the hedge. This documentation identifies the hedging instrument, the hedged item or transaction, the nature of the risk being hedged, and, unless the hedge meets all of the criteria to assume there is no ineffectiveness, the method that will be used to assess the effectiveness of the hedging instrument. Huntington typically assesses effectiveness using statistical regression at inception and on an ongoing basis. Hedge accounting is discontinued prospectively when: • the derivative is no longer effective or expected to be effective in offsetting changes in the fair value, cash flows or changes in net investment of a hedged item (including firm commitments or forecasted transactions); • the derivative expires, is sold, terminated, or exercised; • the forecasted transaction is no longer probable of occurring by the end of the originally specified time period; • the hedged firm commitment no longer meets the definition of a firm commitment; or • the designation of the derivative as a hedging instrument is removed. When hedge accounting is discontinued and the derivative no longer qualifies as an effective fair value, cash flow or net investment hedge, the derivative continues to be carried on the balance sheet at fair value and changes in fair value will be recorded in current period earnings unless re-designated. In the case of a discontinued fair value hedge of a recognized asset or liability, as long as the hedged item continues to exist on the balance sheet, the hedged item will no longer be adjusted for changes in fair value. The basis adjustment that had previously been recorded to the hedged item during the period from the hedge designation date to the hedge discontinuation date is recognized as an adjustment to the yield of the hedged item over the remaining life of the hedged item. In the case of a discontinued cash flow hedge of a forecasted transaction, as long as the forecasted transaction remains probable the balance applicable to the discontinued hedging relationship will be recognized in earnings over the periods where the hedged cash flows are recorded in earnings. If the forecasted transaction is not expected to occur, any amounts recorded in accumulated other comprehensive income are immediately reclassified to current period earnings. In the case of a discontinued net investment hedge as long as Huntington holds the net investment in the entity, the change in fair value will no longer be recorded in other comprehensive income. The cumulative balance recorded in accumulated comprehensive income will be recognized in earnings when the entity is substantially liquidated. Like other financial instruments, derivatives contain an element of credit risk, which is the possibility that Huntington will incur a loss because the counterparty fails to meet its contractual obligations. Notional values of interest rate swaps and other off-balance sheet financial instruments significantly exceed the credit risk associated with these instruments and represent contractual balances on which calculations of amounts to be exchanged are based. Credit exposure is limited to the sum of the aggregate fair value of positions that have become favorable to Huntington, including any accrued interest receivable due from counterparties. Potential credit losses are mitigated by derivatives through central clearing parties, careful evaluation of counterparty credit standing, selection of counterparties from a limited group of high quality institutions, collateral agreements, and other contract provisions. Huntington considers the value of collateral held and collateral provided in determining the net carrying value of derivatives. Huntington offsets the fair value amounts recognized for derivative instruments and the fair value for the right to reclaim cash collateral or the obligation to return cash collateral arising from derivative instruments recognized at fair value executed with the same counterparty under a master netting arrangement.
Fair Value Measurements	Fair Value Measurements — The Company records or discloses certain of its assets and liabilities at fair value. Fair value is defined as the exchange price that would be received for an asset or paid to transfer a liability (an exit price) in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants on the measurement date. Fair value measurements are classified within one of three levels in a valuation hierarchy based upon the observability of inputs to the valuation of an asset or liability as of the measurement date. The three levels are defined as follows: • Level 1 – inputs to the valuation methodology are quoted prices (unadjusted) for identical assets or liabilities in active markets. • Level 2 – inputs to the valuation methodology include quoted prices for similar assets and liabilities in active markets, and inputs that are observable for the asset or liability, either directly or indirectly, for substantially the full term of the financial instrument. • Level 3 – inputs to the valuation methodology are unobservable and significant to the fair value measurement. A financial instrument’s categorization within the valuation hierarchy is based upon the lowest level of input that is significant to the fair value measurement.
Bank Owned Life Insurance	Bank Owned Life Insurance — Huntington’s bank owned life insurance policies are recorded at their cash surrender value. Huntington recognizes tax-exempt income from the periodic increases in the cash surrender value of these policies and from death benefits. A portion of the cash surrender value is supported by holdings in separate accounts. Book value protection for the separate accounts is provided by the insurance carriers and a highly rated major bank.
Transfers of Financial Assets and Securitizations	Transfers of Financial Assets and Securitizations — Transfers of financial assets in which we have surrendered control over the transferred assets are accounted for as sales. In assessing whether control has been surrendered, Huntington considers whether the transferee would be a consolidated affiliate, the existence and extent of any continuing involvement in the transferred financial assets, and the impact of all arrangements or agreements made contemporaneously with, or in contemplation of, the transfer, even if they were not entered into at the time of transfer. Control is generally considered to have been surrendered when (i) the transferred assets have been legally isolated from Huntington or any of its consolidated affiliates, even in bankruptcy or other receivership, (ii) the transferee (or, if the transferee is an entity whose sole purpose is to engage in securitization or asset-backed financing that is constrained from pledging or exchanging the assets it receives, each third-party holder of its beneficial interests) has the right to pledge or exchange the assets (or beneficial interests) it received without any constraints that provide more than a trivial benefit to Huntington, and (iii) neither Huntington nor its consolidated affiliates and agents have (a) both the right and obligation under any agreement to repurchase or redeem the transferred assets before their maturity, (b) the unilateral ability to cause the holder to return specific financial assets that also provides Huntington with a more-than-trivial benefit (other than through a cleanup call) or (c) an agreement that permits the transferee to require Huntington to repurchase the transferred assets at a price so favorable that it is probable that it will require Huntington to repurchase them. If the sale criteria are met, the transferred financial assets are removed from the balance sheet and a gain or loss on sale is recognized. If the sale criteria are not met, the transfer is recorded as a secured borrowing in which the assets remain on the balance sheet and the proceeds from the transaction are recognized as a liability. For the majority of financial asset transfers, it is clear whether or not Huntington has surrendered control. For other transfers, such as in the case of complex transactions or where Huntington have continuing involvement, we generally obtain a legal opinion as to whether the transfer results in a true sale by law. Gains and losses on the loans and leases sold and servicing rights associated with loan and lease sales are determined when the related loans or leases are sold to either a securitization trust or third-party. For loan or lease sales with servicing retained, a servicing asset is recorded at fair value for the right to service the loans sold.
Pension and Other Postretirement Benefits	Pension and Other Postretirement Benefits — Huntington recognizes the funded status of the postretirement benefit plans on the Consolidated Balance Sheets. Net postretirement benefit cost charged to current earnings related to these plans is predominantly based on various actuarial assumptions regarding expected future experience. Certain employees are participants in various defined contribution and other non-qualified supplemental retirement plans. Contributions to defined contribution plans are charged to current earnings. In addition, Huntington maintains a 401(k) plan covering substantially all employees. Employer contributions to the plan are charged to current earnings.
Noninterest Income	Noninterest Income — Huntington recognizes revenue when the performance obligations related to the transfer of goods or services under the terms of a contract are satisfied. Some obligations are satisfied at a point in time while others are satisfied over a period of time. Revenue is recognized as the amount of consideration to which Huntington expects to be entitled to in exchange for transferring goods or services to a customer. When consideration includes a variable component, the amount of consideration attributable to variability is included in the transaction price only to the extent it is probable that significant revenue recognized will not be reversed when uncertainty associated with the variable consideration is subsequently resolved. Generally, the variability relating to the consideration is explicitly stated in the contracts, but may also arise from Huntington’s customer business practices, for example, waiving certain fees related to customer’s deposit accounts such as NSF fees. Huntington’s contracts generally do not contain terms that require significant judgement to determine the variability impacting the transaction price. Revenue is segregated based on the nature of product and services offered as part of contractual arrangements. Revenue from contracts with customers is broadly segregated as follows: • Service charges on deposit accounts include fees and other charges Huntington receives to provide various services, including but not limited to, maintaining an account with a customer, providing overdraft services, wire transfer, transferring funds, and accepting and executing stop-payment orders. The consideration includes both fixed (e.g., account maintenance fee) and transaction fees (e.g., wire-transfer fee). The fixed fee is recognized over a period of time while the transaction fee is recognized when a specific service (e.g., execution of wire-transfer) is rendered to the customer. Huntington may, from time to time, waive certain fees (e.g., NSF fee) for customers but generally does not reduce the transaction price to reflect variability for future reversals due to the insignificance of the amounts. Waiver of fees reduces the revenue in the period the waiver is granted to the customer. • Card and payment processing income includes interchange fees earned on debit cards and credit cards. All other fees (e.g., annual fees), and interest income are recognized in accordance with ASC 310. Huntington recognizes interchange fees for services performed related to authorization and settlement of a cardholder’s transaction with a merchant. Revenue is recognized when a cardholder’s transaction is approved and settled. Certain volume or transaction based interchange expenses (net of rebates) paid to the payment network reduce the interchange revenue and are presented net on the income statement. Similarly, rewards payable under a reward program to cardholders are recognized as a reduction of the transaction price and are presented net against the interchange revenue. • Trust and investment management services includes fee income generated from personal, corporate and institutional customers. Huntington also provides investment management services, cash management services and tax reporting to customers. Services are rendered over a period of time, over which revenue is recognized. Huntington may also recognize revenue from referring a customer to outside third-parties including mutual fund companies that pay distribution (12b-1) fees and other expenses. 12b-1 fees are received upon initially placing an account holder’s funds with a mutual fund company as well as in the future periods as long as the account holder (i.e., the fund investor), remains invested in the fund. The transaction price includes a variable consideration which is considered constrained as it is not probable that a significant revenue reversal in the amount of cumulative revenue recognized will not occur. Accordingly, those fees are recognized as revenue when the uncertainty associated with the variable consideration is subsequently resolved, that is, initial fees are recognized in the initial period while the future fees are recognized in future periods. • Insurance income includes agency commissions that are recognized when Huntington sells insurance policies to customers. Huntington is also entitled to renewal commissions and, in some cases, profit sharing which are recognized in subsequent periods. The initial commission is recognized when the insurance policy is sold to a customer. Renewal commission is variable consideration and is recognized in subsequent periods when the uncertainty around variable consideration is subsequently resolved (i.e., when customer renews the policy). Profit sharing is also variable consideration that is not recognized until the variability surrounding realization of revenue is resolved (i.e., Huntington has reached a minimum volume of sales). Another source of variability is the ability of the policy holder to cancel the policy anytime. In such cases, Huntington may be required, under the terms of the contract, to return part of the commission received. A policy cancellation reserve is established for such expected cancellations. • Other noninterest income includes a variety of other revenue streams including capital markets revenue, leasing revenue, miscellaneous consumer fees and marketing allowance revenue. Revenue is recognized when, or as, the performance obligation is satisfied. Inherent variability in the transaction price is not recognized until the uncertainty affecting the variability is resolved. Control is transferred to a customer either at a point in time or over time. A performance obligation is deemed satisfied when the control over goods or services is transferred to the customer. To determine when control is transferred at a point in time, Huntington considers indicators, including but not limited to the right to payment for the asset, transfer of significant risk and rewards of ownership of the asset and acceptance of the asset by the customer. Revenue is recorded in the business segment responsible for the related product or service. Fee sharing arrangements exist to allocate portions of such revenue to other business segments involved in selling to, or providing service to, customers. Business segment results are determined based upon management’s reporting system, which assigns balance sheet and income statement items to each of the business segments. The process is designed around Huntington’s organizational and management structure and, accordingly, the results derived are not necessarily comparable with similar information published by other financial institutions.
Income Taxes	Income Taxes — Income taxes are accounted for under the asset and liability method. Accordingly, deferred tax assets and liabilities are recognized for the future book and tax consequences attributable to temporary differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax bases. Deferred tax assets and liabilities are determined using enacted tax rates expected to apply in the year in which those temporary differences are expected to be recovered or settled. The effect on deferred tax assets and liabilities of a change in tax rates is recognized in income at the time of enactment of such change in tax rates. Any interest or penalties due for payment of income taxes are included in the provision for income taxes. To the extent we do not consider it more likely than not that a deferred tax asset will be recovered, a valuation allowance is recorded. All positive and negative evidence is reviewed when determining how much of a valuation allowance is recognized on a quarterly basis. In determining the requirements for a valuation allowance, sources of possible taxable income are evaluated including future reversals of existing taxable temporary differences, future taxable income exclusive of reversing temporary differences and carryforwards, taxable income in appropriate carryback years, and tax-planning strategies. Huntington applies a more likely than not recognition threshold for all tax uncertainties.
Share-Based Compensation	Share-Based Compensation — Huntington uses the fair value based method of accounting for awards of HBAN stock granted to employees under various share-based compensation plans. Share-based compensation costs are recognized prospectively for all new awards granted under these plans. Compensation expense relating to stock options is calculated using a methodology that is based on the underlying assumptions of the Black-Scholes option pricing model and is charged to expense over the requisite service period (e.g., vesting period) taking into account retirement eligibility . Compensation expense relating to restricted stock awards is based upon the fair value of the awards on the date of grant and is charged to earnings over the requisite service period (e.g., vesting period) taking into account the retirement eligibility of the award.
Stock Repurchases	Stock Repurchases — Acquisitions of Huntington stock are recorded at cost.
Segment Results	Segment Results — Accounting policies for the business segments are the same as those used in the preparation of the Consolidated Financial Statements with respect to activities specifically attributable to each business segment. However, the preparation of business segment results requires management to establish methodologies to allocate funding costs and benefits, expenses, and other financial elements to each business segment, which are described in Note 25 - “ Segment Reporting

ACQUISITION OF TCF FINANCIAL _2

ACQUISITION OF TCF FINANCIAL CORPORATION (Tables)	12 Months Ended
ACQUISITION OF TCF FINANCIAL CORPORATION (Tables)	Dec. 31, 2021
Business Combination and Asset Acquisition [Abstract]
Schedule of Business Acquisitions, by Acquisition	The following table provides the allocation of consideration paid for the fair value of assets acquired and liabilities and equity assumed from TCF as of June 9, 2021. TCF (dollar amounts in millions) UPB Fair Value Assets acquired: Cash and due from banks $ 466 Interest-bearing deposits at Federal Reserve Bank 719 Interest-bearing deposits in banks 312 Available-for-sale securities 8,900 Other securities 358 Loans held for sale 363 Loans and leases: Commercial: Commercial and industrial $ 12,726 12,441 Commercial real estate 8,125 7,869 Lease financing 2,929 2,912 Total commercial 23,780 23,222 Consumer: Residential mortgage 6,267 6,273 Automobile 322 317 Home equity 2,644 2,607 RV and marine 581 570 Other consumer 179 167 Total consumer 9,993 9,934 Total loans and leases $ 33,773 33,156 Bank owned life insurance 181 Premises and equipment 360 Core deposit intangible 92 Other intangible assets 6 Servicing rights 59 Servicing rights and other intangible assets 157 Other assets 1,441 Total assets acquired 46,413 Liabilities and equity assumed: Deposits 38,663 Short-term borrowings 1,306 Long-term debt 1,516 Other liabilities (1) 1,082 Total liabilities 42,567 Non-controlling interest 22 Net assets acquired $ 3,824 Consideration: Fair value of common stock issued $ 6,998 Fair value of preferred stock exchange 185 Total consideration $ 7,183 Goodwill (1) $ 3,359 (1) Includes a measurement period adjustment for final tax positions related to the TCF acquisition which increased other liabilities and goodwill by $33 million.
Schedule Of Financing Receivables Purchased With Credit Deterioration	The following table provides a summary of loans and leases purchased as part of the TCF acquisition with credit deterioration at acquisition: (dollar amounts in millions) Commercial Consumer Total Par value (UPB) $ 7,931 $ 1,333 $ 9,264 ALLL at acquisition (374) (58) (432) Non-credit (discount) (219) (68) (287) Fair value $ 7,338 $ 1,207 $ 8,545
Business Acquisition, Pro Forma Information	Unaudited Pro Forma for Year Ended December 31, (dollar amounts in millions) 2021 2020 Net interest income $ 4,713 $ 4,774 Noninterest income 2,112 2,127 Net income attributable to Huntington Bancshares Inc 1,624 834

INVESTMENT SECURITIES AND OTH_2

INVESTMENT SECURITIES AND OTHER SECURITIES (Tables)	12 Months Ended
INVESTMENT SECURITIES AND OTHER SECURITIES (Tables)	Dec. 31, 2021
Investments, Debt and Equity Securities [Abstract]
Unrealized Gain (Loss) on Investments	The following tables provide amortized cost, fair value, and gross unrealized gains and losses by investment category at December 31, 2021 and 2020: Unrealized (dollar amounts in millions) Amortized Gross Gains Gross Losses Fair Value December 31, 2021 Available-for-sale securities: U.S. Treasury $ 5 $ — $ — $ 5 Federal agencies: Residential CMO 4,649 40 (40) 4,649 Residential MBS 15,533 135 (160) 15,508 Commercial MBS 1,896 7 (38) 1,865 Other agencies 248 1 (1) 248 Total U.S. Treasury, federal agency and other agency securities 22,331 183 (239) 22,275 Municipal securities 3,497 62 (33) 3,526 Private-label CMO 106 1 (1) 106 Asset-backed securities 385 1 (4) 382 Corporate debt 2,183 22 (38) 2,167 Other securities/Sovereign debt 4 — — 4 Total available-for-sale securities $ 28,506 $ 269 $ (315) $ 28,460 Held-to-maturity securities: Federal agencies: Residential CMO $ 2,602 $ 35 $ (20) $ 2,617 Residential MBS 7,475 41 (59) 7,457 Commercial MBS 2,175 45 (5) 2,215 Other agencies 193 5 — 198 Total federal agency and other agency securities 12,445 126 (84) 12,487 Municipal securities 2 — — 2 Total held-to-maturity securities $ 12,447 $ 126 $ (84) $ 12,489 Other securities, at cost: Non-marketable equity securities: Federal Home Loan Bank stock $ 52 $ — $ — $ 52 Federal Reserve Bank stock 512 — — 512 Equity securities 12 — — 12 Other securities, at fair value Mutual funds 65 — — 65 Equity securities 6 1 — 7 Total other securities $ 647 $ 1 $ — $ 648 (1) Amortized cost amounts excludes accrued interest receivable, which is recorded within other assets on the Consolidated Balance Sheet s . At December 31, 2021, accrued interest receivable on available-for-sale securities and held-to-maturity securities totaled $62 million and $26 million, respectively. Unrealized (dollar amounts in millions) Amortized Gross Gross Fair Value December 31, 2020 Available-for-sale securities: U.S. Treasury $ 5 $ — $ — $ 5 Federal agencies: Residential CMO 3,550 121 (5) 3,666 Residential MBS 7,843 97 (5) 7,935 Commercial MBS 1,151 21 (9) 1,163 Other agencies 60 2 — 62 Total U.S. Treasury, federal agency and other agency securities 12,609 241 (19) 12,831 Municipal securities 2,928 91 (15) 3,004 Private-label CMO 9 — — 9 Asset-backed securities 185 7 — 192 Corporate debt 440 5 — 445 Other securities/Sovereign debt 4 — — 4 Total available-for-sale securities $ 16,175 $ 344 $ (34) $ 16,485 Held-to-maturity securities: Federal agencies: Residential CMO $ 1,779 $ 88 $ — $ 1,867 Residential MBS 3,715 103 — 3,818 Commercial MBS 3,118 191 — 3,309 Other agencies 246 12 — 258 Total federal agency and other agency securities 8,858 394 — 9,252 Municipal securities 3 — — 3 Total held-to-maturity securities $ 8,861 $ 394 $ — $ 9,255 Other securities, at cost: Non-marketable equity securities: Federal Home Loan Bank stock $ 60 $ — $ — $ 60 Federal Reserve Bank stock 299 — — 299 Other securities, at fair value Mutual funds 50 — — 50 Equity securities 8 1 — 9 Total other securities $ 417 $ 1 $ — $ 418 (1) Amortized cost amounts excludes accrued interest receivable, which is recorded within other assets on the Consolidated Balance Sheet s . At December 31, 2020, accrued interest receivable on available-for-sale securities and held-to-maturity securities totaled $32 million and $20 million, respectively.
Investments Classified by Contractual Maturity Date	The following table provides the amortized cost and fair value of securities by contractual maturity at December 31, 2021 and 2020. Expected maturities may differ from contractual maturities as issuers may have the right to call or prepay obligations with or without incurring penalties. 2021 2020 (dollar amounts in millions) Amortized Cost Fair Value Amortized Cost Fair Value Available-for-sale securities: Under 1 year $ 377 $ 374 $ 308 $ 304 After 1 year through 5 years 1,888 1,880 1,145 1,154 After 5 years through 10 years 3,166 3,180 1,607 1,654 After 10 years 23,075 23,026 13,115 13,373 Total available-for-sale securities $ 28,506 $ 28,460 $ 16,175 $ 16,485 Held-to-maturity securities: Under 1 year $ 2 $ 2 $ — $ — After 1 year through 5 years 162 164 160 169 After 5 years through 10 years 44 45 131 138 After 10 years 12,239 12,278 8,570 8,948 Total held-to-maturity securities $ 12,447 $ 12,489 $ 8,861 $ 9,255
Schedule of Unrealized Loss on Investments	The following tables provide detail on investment securities with unrealized losses aggregated by investment category and the length of time the individual securities have been in a continuous loss position at December 31, 2021 and 2020: Less than 12 Months Over 12 Months Total (dollar amounts in millions) Fair Gross Unrealized Fair Gross Unrealized Fair Gross Unrealized December 31, 2021 Available-for-sale securities: Federal agencies: Residential CMO $ 2,925 $ (40) $ — $ — $ 2,925 $ (40) Residential MBS 13,491 (160) — — 13,491 (160) Commercial MBS 1,251 (38) — — 1,251 (38) Other agencies 140 (1) — — 140 (1) Total federal agency and other agency securities 17,807 (239) — — 17,807 (239) Municipal securities 859 (22) 319 (11) 1,178 (33) Private-label CMO 78 (1) — — 78 (1) Asset-backed securities 237 (4) — — 237 (4) Corporate debt 1,766 (38) — — 1,766 (38) Total temporarily impaired available-for-sale securities $ 20,747 $ (304) $ 319 $ (11) $ 21,066 $ (315) Held-to-maturity securities: Federal agencies: Residential CMO $ 1,453 $ (20) $ — $ — $ 1,453 $ (20) Residential MBS 5,837 (59) — — 5,837 (59) Commercial MBS 318 (5) — — 318 (5) Total federal agency and other agency securities 7,608 (84) — — 7,608 (84) Total temporarily impaired securities $ 7,608 $ (84) $ — $ — $ 7,608 $ (84) Less than 12 Months Over 12 Months Total (dollar amounts in millions) Fair Gross Unrealized Fair Gross Unrealized Fair Gross Unrealized December 31, 2020 Available-for-sale securities: Federal agencies: Residential CMO $ 302 $ (5) $ — $ — $ 302 $ (5) Residential MBS 1,633 (5) — — 1,633 (5) Commercial MBS 321 (9) — — 321 (9) Total federal agency and other agency securities 2,256 (19) — — 2,256 (19) Municipal securities 110 (3) 490 (12) 600 (15) Asset-backed securities 15 — — — 15 — Corporate debt 51 — — — 51 — Total temporarily impaired available-for-sale securities $ 2,432 $ (22) $ 490 $ (12) $ 2,922 $ (34)

LOANS AND LEASES (Tables)

LOANS AND LEASES (Tables)	12 Months Ended
LOANS AND LEASES (Tables)	Dec. 31, 2021
Receivables [Abstract]
Schedule of financing receivable portfolio segments	The following table provides a detailed listing of Huntington’s loan and lease portfolio at December 31, 2021 and December 31, 2020. At December 31, (dollar amounts in millions) 2021 2020 Commercial Loan and lease portfolio: Commercial and industrial $ 41,688 $ 33,151 Commercial real estate 14,961 7,199 Lease financing 5,000 2,222 Total commercial loan and lease portfolio 61,649 42,572 Consumer loan portfolio: Residential mortgage 19,256 12,141 Automobile 13,434 12,778 Home equity 10,550 8,894 RV and marine 5,058 4,190 Other consumer 1,973 1,033 Total consumer loan portfolio 50,271 39,036 Total loans and leases (1)(2) 111,920 81,608 Allowance for loan and lease losses (2,030) (1,814) Net loans and leases $ 109,890 $ 79,794 (1) Loans and leases are reported at principal amount outstanding including unamortized purchase premiums and discounts, unearned income, and net direct fees and costs associated with originating and acquiring loans and leases. The aggregate amount of these loan and lease adjustments was a net (discount) premium of $(111) million and $171 million at December 31, 2021 and 2020, respectively. (2) The total amount of accrued interest recorded for these loans and leases at December 31, 2021, was $148 million and $150 million of commercial and consumer loan and lease portfolios, respectively, and at December 31, 2020, was $146 million and $123 million of commercial and consumer loan and lease portfolios, respectively. Accrued interest is presented in other assets within the Condensed Consolidated Balance Sheet
Lease financing receivables	The following table presents net investments in lease financing receivables by category at December 31, 2021 and December 31, 2020: At December 31, (dollar amounts in millions) 2021 2020 Lease payments receivable $ 4,620 $ 1,737 Estimated residual value of leased assets 774 664 Gross investment in lease financing receivables 5,394 2,401 Deferred origination costs 36 21 Deferred fees, unearned income and other (430) (200) Total lease financing receivables $ 5,000 $ 2,222
Nonaccrual loans by loan class	The following table presents NALs by class at December 31, 2021 and 2020: December 31, 2021 December 31, 2020 (dollar amounts in millions) Nonaccrual loans with no ACL Total nonaccrual loans Nonaccrual loans with no ACL Total nonaccrual loans Commercial and industrial $ 81 $ 370 $ 69 $ 349 Commercial real estate 80 104 8 15 Lease financing 3 48 — 4 Residential mortgage — 111 — 88 Automobile — 3 — 4 Home Equity — 79 — 70 RV and marine — 1 — 2 Total nonaccrual loans and leases $ 164 $ 716 $ 77 $ 532
Aging analysis of loans and leases	The following table presents an aging analysis of loans and leases, by class at December 31, 2021 and 2020: December 31, 2021 Past Due (1) Loans Accounted for Under FVO Total Loans 90 or (dollar amounts in millions) 30-59 60-89 90 or Total Current Commercial and industrial $ 72 $ 69 $ 107 $ 248 $ 41,440 $ — $ 41,688 $ 13 (2) Commercial real estate 9 1 9 19 14,942 — 14,961 — Lease financing 39 13 17 69 4,931 — 5,000 11 (3) Residential mortgage 151 49 233 433 18,653 170 19,256 157 (4) Automobile 79 18 8 105 13,329 — 13,434 6 Home equity 48 35 76 159 10,390 1 10,550 17 RV and marine 14 4 3 21 5,037 — 5,058 3 Other consumer 13 2 3 18 1,955 — 1,973 3 Total loans and leases $ 425 $ 191 $ 456 $ 1,072 $ 110,677 $ 171 $ 111,920 $ 210 December 31, 2020 Past Due (1)(4) Loans Accounted for Under FVO Total Loans 90 or (dollar amounts in millions) 30-59 Days 60-89 Days 90 or more days Total Current Commercial and industrial $ 38 $ 33 $ 82 $ 153 $ 32,998 $ — $ 33,151 $ — Commercial real estate — 1 11 12 7,187 — 7,199 — Lease financing 22 5 13 40 2,182 — 2,222 10 (3) Residential mortgage 114 38 194 346 11,702 93 12,141 132 (4) Automobile 84 22 12 118 12,660 — 12,778 9 Home equity 35 15 61 111 8,782 1 8,894 14 RV and marine 17 3 3 23 4,167 — 4,190 3 Other consumer 9 4 3 16 1,017 — 1,033 3 Total loans and leases $ 319 $ 121 $ 379 $ 819 $ 80,695 $ 94 $ 81,608 $ 171 (1) NALs are included in this aging analysis based on the loan’s past due status. (2) Amounts include PPP and other SBA loans and leases. (3) Amounts include Huntington Technology Finance administrative lease delinquencies. (4) Amounts include mortgage loans insured by U.S. government agencies. (5) The principal balance of loans in payment deferral programs offered in response to the COVID-19 pandemic which are performing according to their modified terms are generally not considered delinquent.
Loan and lease balances by credit quality indicator	The following table presents the amortized cost basis of loans and leases by vintage and credit quality indicator at December 31, 2021 and 2020 respectively: As of December 31, 2021 Term Loans Amortized Cost Basis by Origination Year Revolver Total at Amortized Cost Basis Revolver Total Converted to Term Loans (dollar amounts in millions) 2021 2020 2019 2018 2017 Prior Total Commercial and industrial Credit Quality Indicator (1): Pass $ 15,435 $ 5,677 $ 3,682 $ 1,983 $ 1,080 $ 1,134 $ 9,945 $ 3 $ 38,939 OLEM 183 178 87 83 38 73 166 — 808 Substandard 336 203 344 206 125 167 552 — 1,933 Doubtful 5 1 1 1 — — — — 8 Total Commercial and industrial $ 15,959 $ 6,059 $ 4,114 $ 2,273 $ 1,243 $ 1,374 $ 10,663 $ 3 $ 41,688 Commercial real estate Credit Quality Indicator (1): Pass $ 4,144 $ 2,367 $ 2,593 $ 1,456 $ 761 $ 1,124 $ 798 $ — $ 13,243 OLEM 76 48 42 83 73 19 — — 341 Substandard 224 362 448 115 151 46 30 — 1,376 Doubtful — — — 1 — — — — 1 Total Commercial real estate $ 4,444 $ 2,777 $ 3,083 $ 1,655 $ 985 $ 1,189 $ 828 $ — $ 14,961 Lease financing Credit Quality Indicator (1): Pass $ 1,851 $ 1,441 $ 809 $ 417 $ 226 $ 131 $ — $ — $ 4,875 OLEM 8 32 12 4 2 — — — 58 Substandard 6 23 19 2 9 8 — — 67 Total Lease financing $ 1,865 $ 1,496 $ 840 $ 423 $ 237 $ 139 $ — $ — $ 5,000 Residential mortgage Credit Quality Indicator (2): 750+ $ 5,532 $ 3,857 $ 978 $ 554 $ 687 $ 1,704 $ — $ — $ 13,312 650-749 1,862 993 409 269 254 1,028 — — 4,815 <650 48 56 104 120 99 532 — — 959 Total Residential mortgage $ 7,442 $ 4,906 $ 1,491 $ 943 $ 1,040 $ 3,264 $ — $ — $ 19,086 Automobile Credit Quality Indicator (2): 750+ $ 2,993 $ 1,927 $ 1,381 $ 666 $ 345 $ 129 $ — $ — $ 7,441 650-749 2,393 1,237 736 380 168 55 — — 4,969 <650 380 234 178 128 70 34 — — 1,024 Total Automobile $ 5,766 $ 3,398 $ 2,295 $ 1,174 $ 583 $ 218 $ — $ — $ 13,434 Home Equity Credit Quality Indicator (2): 750+ $ 645 $ 701 $ 32 $ 31 $ 34 $ 387 $ 4,772 $ 272 $ 6,874 650-749 129 94 15 13 13 161 2,324 324 3,073 <650 3 2 2 1 1 67 361 165 602 Total Home equity $ 777 $ 797 $ 49 $ 45 $ 48 $ 615 $ 7,457 $ 761 $ 10,549 RV and marine Credit Quality Indicator (2): 750+ $ 1,257 $ 933 $ 470 $ 468 $ 268 $ 319 $ — $ — $ 3,715 650-749 393 273 171 157 106 150 — — 1,250 <650 6 11 13 18 18 27 — — 93 Total RV and marine $ 1,656 $ 1,217 $ 654 $ 643 $ 392 $ 496 $ — $ — $ 5,058 Other consumer Credit Quality Indicator (2): 750+ $ 458 $ 125 $ 138 $ 50 $ 38 $ 97 $ 546 $ 3 $ 1,455 650-749 49 22 34 11 9 19 294 24 462 <650 2 2 5 2 — 1 27 17 56 Total Other consumer $ 509 $ 149 $ 177 $ 63 $ 47 $ 117 $ 867 $ 44 $ 1,973 As of December 31, 2020 Term Loans Amortized Cost Basis by Origination Year Revolver Total at Amortized Cost Basis Revolver Total Converted to Term Loans (dollar amounts in millions) 2020 2019 2018 2017 2016 Prior Total Commercial and industrial Credit Quality Indicator (1): Pass $ 12,599 $ 4,161 $ 2,537 $ 1,192 $ 837 $ 815 $ 8,894 $ 2 $ 31,037 OLEM 415 112 65 24 32 22 124 — 794 Substandard 195 125 181 203 41 147 423 — 1,315 Doubtful 2 — 1 — — 1 1 — 5 Total Commercial and industrial $ 13,211 $ 4,398 $ 2,784 $ 1,419 $ 910 $ 985 $ 9,442 $ 2 $ 33,151 Commercial real estate Credit Quality Indicator (1): Pass $ 1,742 $ 1,610 $ 1,122 $ 507 $ 507 $ 539 $ 633 $ — $ 6,660 OLEM 94 78 63 37 28 14 4 — 318 Substandard 27 46 10 29 58 14 36 — 220 Doubtful — — — — — 1 — — 1 Total Commercial real estate $ 1,863 $ 1,734 $ 1,195 $ 573 $ 593 $ 568 $ 673 $ — $ 7,199 Lease financing Credit Quality Indicator (1): Pass $ 1,158 $ 364 $ 221 $ 155 $ 137 $ 101 $ — $ — $ 2,136 OLEM 6 4 4 6 1 — — — 21 Substandard 1 19 7 21 5 12 — — 65 Total Lease financing $ 1,165 $ 387 $ 232 $ 182 $ 143 $ 113 $ — $ — $ 2,222 Residential mortgage Credit Quality Indicator (2): 750+ $ 3,269 $ 1,370 $ 891 $ 1,064 $ 762 $ 1,243 $ 1 $ — $ 8,600 650-749 991 435 307 278 171 495 — — 2,677 <650 34 89 111 108 81 348 — — 771 Total Residential mortgage $ 4,294 $ 1,894 $ 1,309 $ 1,450 $ 1,014 $ 2,086 $ 1 $ — $ 12,048 Automobile Credit Quality Indicator (2): 750+ $ 2,670 $ 2,013 $ 1,144 $ 742 $ 317 $ 81 $ — $ — $ 6,967 650-749 1,965 1,343 755 386 175 52 — — 4,676 <650 312 301 244 157 84 37 — — 1,135 Total Automobile $ 4,947 $ 3,657 $ 2,143 $ 1,285 $ 576 $ 170 $ — $ — $ 12,778 Home equity Credit Quality Indicator (2): 750+ $ 793 $ 26 $ 26 $ 32 $ 89 $ 451 $ 4,373 $ 192 $ 5,982 650-749 147 9 8 11 27 157 1,906 181 2,446 <650 1 1 1 1 6 70 286 99 465 Total Home equity $ 941 $ 36 $ 35 $ 44 $ 122 $ 678 $ 6,565 $ 472 $ 8,893 RV and marine Credit Quality Indicator (2): 750+ $ 1,136 $ 525 $ 589 $ 337 $ 153 $ 254 $ — $ — $ 2,994 650-749 348 215 201 136 64 129 — — 1,093 <650 4 15 21 22 12 29 — — 103 Total RV and marine $ 1,488 $ 755 $ 811 $ 495 $ 229 $ 412 $ — $ — $ 4,190 Other consumer Credit Quality Indicator (2): 750+ $ 69 $ 58 $ 26 $ 8 $ 4 $ 14 $ 340 $ 2 $ 521 650-749 36 56 17 5 2 3 294 30 443 <650 2 8 3 1 — 1 26 28 69 Total Other consumer $ 107 $ 122 $ 46 $ 14 $ 6 $ 18 $ 660 $ 60 $ 1,033 (1) Consistent with the credit quality disclosures, indicators for the Commercial portfolio are based on internally defined categories of credit grades which are generally refreshed at least semi-annually. (2) Consistent with the credit quality disclosures, indicators for the Consumer portfolio are based on updated customer credit scores refreshed at least quarterly.
Detailed troubled debt restructuring information by class	The following table presents, by class and modification type, the number of contracts, post-modification outstanding balance, and the financial effects of the modification for the years ended December 31, 2021 and 2020. New Troubled Debt Restructurings (1) Year Ended December 31, 2021 Number of Post-modification Outstanding Recorded Investment (2) (dollar amounts in millions) Interest rate reduction Amortization or maturity date change Chapter 7 bankruptcy Other Total Commercial and industrial 76 $ 29 $ 25 $ — $ — $ 54 Commercial real estate 5 — — — — — Residential mortgage 320 — 39 6 — 45 Automobile 2,442 — 16 4 — 20 Home equity 214 — 4 7 — 11 RV and marine 138 1 2 1 — 4 Other consumer 270 — — — 1 1 Total new TDRs 3,465 $ 30 $ 86 $ 18 $ 1 $ 135 Year Ended December 31, 2020 Number of Post-modification Outstanding Recorded Investment (2) (dollar amounts in millions) Interest rate reduction Amortization or maturity date change Chapter 7 bankruptcy Other Total Commercial and industrial 317 $ — $ 123 $ — $ 58 $ 181 Commercial real estate 13 — 3 — — 3 Residential mortgage 585 — 79 7 — 86 Automobile 3,018 — 29 6 — 35 Home equity 273 — 6 8 2 16 RV and marine 168 — 4 1 — 5 Other consumer 622 3 — — 1 4 Total new TDRs 4,996 $ 3 $ 244 $ 22 $ 61 $ 330 (1) TDRs may include multiple concessions and the disclosure classifications are based on the primary concession provided to the borrower. (2) Post-modification balances approximate pre-modification balances.

ALLOWANCE FOR CREDIT LOSSES (Ta

ALLOWANCE FOR CREDIT LOSSES (Tables)	12 Months Ended
ALLOWANCE FOR CREDIT LOSSES (Tables)	Dec. 31, 2021
Credit Loss [Abstract]
Allowance Roll-forward	The following table presents ACL activity by portfolio segment for the years ended December 31, 2021, 2020, and 2019: (dollar amounts in millions) Commercial Consumer Total Year ended December 31, 2021: ALLL balance, beginning of period $ 1,236 $ 578 $ 1,814 Loan and lease charge-offs (1) (243) (139) (382) Recoveries of loans and leases previously charged-off 83 84 167 Provision (benefit) for loan and lease losses 12 (13) (1) Allowance on PCD loans and leases at acquisition 374 58 432 ALLL balance, end of period $ 1,462 $ 568 $ 2,030 AULC balance, beginning of period $ 34 $ 18 $ 52 Provision for unfunded lending commitments 8 18 26 Unfunded lending commitment losses (1) — (1) AULC balance, end of period $ 41 $ 36 $ 77 ACL balance, end of period $ 1,503 $ 604 $ 2,107 Year ended December 31, 2020: ALLL balance, beginning of period $ 552 $ 231 $ 783 Cumulative-effect of change in accounting principle for financial instruments - credit losses (2) 180 211 391 Loan and lease charge-offs (374) (166) (540) Recoveries of loans and leases previously charged-off 32 59 91 Provision for loan and lease losses 846 243 1,089 ALLL balance, end of period $ 1,236 $ 578 $ 1,814 AULC balance, beginning of period $ 102 $ 2 $ 104 Cumulative-effect of change in accounting principle for financial instruments - credit losses (4) (38) 40 2 Provision (benefit) for unfunded lending commitments (17) (24) (41) Unfunded lending commitment losses (13) — (13) AULC balance, end of period $ 34 $ 18 $ 52 ACL balance, end of period $ 1,270 $ 596 $ 1,866 Year ended December 31, 2019: ALLL balance, beginning of period $ 542 $ 230 $ 772 Loan and lease charge-offs (165) (197) (362) Recoveries of loans and leases previously charged-off 40 57 97 Provision for loan and lease losses 135 142 277 Allowance for loans sold or transferred to loans held for sale — (1) (1) ALLL balance, end of period $ 552 $ 231 $ 783 AULC balance, beginning of period $ 94 $ 2 $ 96 Provision for unfunded lending commitments 10 — 10 Unfunded lending commitment losses (2) — (2) AULC balance, end of period $ 102 $ 2 $ 104 ACL balance, end of period $ 654 $ 233 $ 887 (1) Net charge-offs and associated metrics for the year ended December 31, 2021 exclude $80 million of charge-offs recognized immediately upon completion of the TCF acquisition and related to required purchase accounting treatment. (2) Relates to day one impact of the CECL adjustment as a result of the implementation of ASU 2016-13.

MORTGAGE LOAN SALES AND SERVI_2

MORTGAGE LOAN SALES AND SERVICING RIGHTS (Tables)	12 Months Ended
MORTGAGE LOAN SALES AND SERVICING RIGHTS (Tables)	Dec. 31, 2021
Transfers and Servicing [Abstract]
Schedule of activity relating to loans securitized sold with servicing rights	The following table summarizes activity relating to residential mortgage loans sold with servicing retained for the years ended December 31, 2021, 2020, and 2019: Year Ended December 31, (dollar amounts in millions) 2021 2020 2019 Residential mortgage loans sold with servicing retained $ 9,702 $ 8,436 $ 4,841 Pretax gains resulting from above loan sales (1) 356 311 119 (1) Recorded in mortgage banking income.
Schedule of Servicing Assets at Fair Value	The following table summarizes the changes in MSRs recorded using the fair value method for the years ended December 31, 2021 and 2020 (1): Year Ended (dollar amounts in millions) 2021 2020 Fair value, beginning of period $ 210 $ 7 Fair value election for servicing assets previously measured using the amortized method — 205 Servicing assets obtained in acquisition 59 — New servicing assets created 135 102 Change in fair value during the period due to: Time decay (1) (15) (9) Payoffs (2) (65) (43) Changes in valuation inputs or assumptions (3) 27 (52) Fair value, end of period $ 351 $ 210 Weighted-average life (years) 7.0 7.6 (1) Represents decrease in value due to passage of time, including the impact from both regularly scheduled principal payments and partial loan paydowns. (2) Represents decrease in value associated with loans that paid off during the period. (3) Represents change in value resulting primarily from market-driven changes in interest rates.
Summary of key assumptions and the sensitivity analysis of servicing rights	A summary of key assumptions and the sensitivity of the MSR value to changes in these assumptions at December 31, 2021, and December 31, 2020 follows: December 31, 2021 December 31, 2020 Decline in fair value due to Decline in fair value due to (dollar amounts in millions) Actual 10% 20% Actual 10% 20% Constant prepayment rate (annualized) 12.28 % $ (17) $ (32) 17.36 % $ (12) $ (23) Spread over forward interest rate swap rates 466 bps (7) (13) 519 bps (4) (8)

GOODWILL AND OTHER INTANGIBLE_2

GOODWILL AND OTHER INTANGIBLE ASSETS (Tables)	12 Months Ended
GOODWILL AND OTHER INTANGIBLE ASSETS (Tables)	Dec. 31, 2021
Goodwill and Intangible Assets Disclosure [Abstract]
Goodwill by business segment	A rollforward of goodwill by business segment, is presented in the table below: Consumer & Business Commercial Vehicle Treasury/ Huntington (dollar amounts in millions) Banking Banking Finance RBHPCG Other Consolidated Balance, December 31, 2020 1,393 427 — 170 — 1,990 TCF acquisition 2,026 1,272 — 61 — 3,359 Balance, December 31, 2021 $ 3,419 $ 1,699 $ — $ 231 $ — $ 5,349
Summary of other intangible assets	At December 31, 2021 and 2020, Huntington’s other intangible assets consisted of the following: (dollar amounts in millions) Gross Accumulated Net December 31, 2021 Core deposit intangible $ 389 $ (175) $ 214 Customer relationship 108 (80) 28 Total other intangible assets $ 497 $ (255) $ 242 December 31, 2020 Core deposit intangible $ 310 $ (150) $ 160 Customer relationship 101 (70) 31 Total other intangible assets $ 411 $ (220) $ 191
Estimated amortization expense of other intangible assets	The estimated amortization expense of other intangible assets for the next five years is as follows: (dollar amounts in millions) Amortization Expense 2022 $ 53 2023 49 2024 45 2025 42 2026 28

PREMISES AND EQUIPMENT (Tables)

PREMISES AND EQUIPMENT (Tables)	12 Months Ended
PREMISES AND EQUIPMENT (Tables)	Dec. 31, 2021
Property, Plant and Equipment [Abstract]
Schedule of property, plant and equipment	Premises and equipment were comprised of the following at December 31, 2021 and 2020: At December 31, (dollar amounts in millions) 2021 2020 Land and land improvements $ 335 $ 198 Buildings 807 586 Leasehold improvements 219 203 Equipment 852 736 Total premises and equipment 2,213 1,723 Less accumulated depreciation and amortization (1,049) (966) Net premises and equipment $ 1,164 $ 757
Depreciation and amortization charged to expense and rental income credited to net occupancy expense	Depreciation and amortization charged to expense and rental income credited to net occupancy expense for the three years ended December 31, 2021, 2020, and 2019 were: (dollar amounts in millions) 2021 2020 2019 Total depreciation and amortization of premises and equipment $ 178 $ 119 $ 116 Rental income credited to net occupancy expense 9 10 11

OPERATING LEASES (Tables)

OPERATING LEASES (Tables)	12 Months Ended
OPERATING LEASES (Tables)	Dec. 31, 2021
Leases [Abstract]
Schedule of Assets And Liabilities, Lessee	Net lease assets and liabilities at December 31, 2021 and 2020 are as follows: At December 31, (dollar amounts in millions) Classification 2021 2020 Assets Operating lease assets Other assets $ 316 $ 199 Liabilities Lease liabilities Other liabilities $ 441 $ 220
Schedule of Lease Cost	Net lease cost for the years ended December 31, 2021 and 2020 are as follows: Year Ended December 31, (dollar amounts in millions) Classification 2021 2020 Operating lease cost Net occupancy $ 104 $ 50 Short-term lease cost Net occupancy 3 1 Sublease income Net occupancy (2) (2) Net lease cost $ 105 $ 49 Additional supplemental information related to the Company’s operating leases as of December 31, 2021 and 2020 are as follows: Year Ended December 31, (dollar amounts in millions) 2021 2020 Cash paid for amounts included in the measurement of lease liabilities for operating cash flows $ (50) $ (53) Right-of-use assets obtained in exchange for lease obligations for operating leases 174 23 Weighted-average remaining lease term (years) for operating leases 11.24 7.17 Weighted-average discount rate for operating leases 3.87 % 4.26 %
Schedule of Operating Lease Liability Maturities, Lessee	Maturity of lease liabilities at December 31, 2021 are as follows: (dollar amounts in millions) Total 2022 $ 64 2023 63 2024 52 2025 43 2026 36 Thereafter 263 Total lease payments $ 521 Less: Interest (80) Total lease liabilities $ 441

BORROWINGS (Tables)

BORROWINGS (Tables)	12 Months Ended
BORROWINGS (Tables)	Dec. 31, 2021
Debt Instruments [Abstract]
Schedule of Short-term Debt	Borrowings with original maturities of one year or less are classified as short-term and were comprised of the following at December 31, 2021 and 2020, respectively: At December 31, (dollar amounts in millions) 2021 2020 Federal funds purchased and securities sold under agreements to repurchase $ 320 $ 71 Other borrowings 14 112 Total short-term borrowings $ 334 $ 183
Schedule of Long-Term Debt	Huntington’s long-term debt consisted of the following: At December 31, (dollar amounts in millions) 2021 2020 The Parent Company: Senior Notes: 3.19% Huntington Bancshares Incorporated medium-term notes due 2021 $ — $ 802 2.33% Huntington Bancshares Incorporated senior notes due 2022 — 699 2.67% Huntington Bancshares Incorporated senior notes due 2024 812 838 4.05% Huntington Bancshares Incorporated senior notes due 2025 527 553 2.60% Huntington Bancshares Incorporated senior notes due 2030 744 743 Subordinated Notes: 3.55% Huntington Bancshares Incorporated subordinated notes due 2023 227 256 Huntington Capital I Trust Preferred 0.91% junior subordinated debentures due 2027 (1) 69 69 Huntington Capital II Trust Preferred 0.83% junior subordinated debentures due 2028 (2) 32 32 Sky Financial Capital Trust III 1.61% junior subordinated debentures due 2036 (3) 72 72 Sky Financial Capital Trust IV 1.61% junior subordinated debentures due 2036 (3) 74 74 2.54% Huntington Bancshares Incorporated subordinated notes due 2036 554 — Camco Financial Statutory Trust I 1.57% due 2037 — 4 Total notes issued by the parent 3,111 4,142 The Bank: Senior Notes: 0.79% Huntington National Bank senior notes due 2021 — 298 3.33% Huntington National Bank senior notes due 2021 — 752 2.55% Huntington National Bank senior notes due 2022 703 710 3.16% Huntington National Bank senior notes due 2022 500 511 1.83% Huntington National Bank senior notes due 2023 483 489 3.60% Huntington National Bank senior notes due 2023 748 773 Subordinated Notes: 0.64% Huntington National Bank subordinated notes due 2022 113 — 0.96% Huntington National Bank subordinated notes due 2025 142 — 3.86% Huntington National Bank subordinated notes due 2026 226 233 3.03% Huntington National Bank subordinated notes due 2029 161 — 3.75% Huntington National Bank subordinated notes due 2030 169 — Total notes issued by the bank 3,245 3,766 FHLB Advances: 1.04% weighted average rate, varying maturities greater than one year 215 3 Other: Huntington Technology Finance nonrecourse debt, 3.15% weighted average interest rate, varying maturities 287 266 2.09% Huntington Preferred Capital II - Class F securities (4) 75 75 2.09% Huntington Preferred Capital II - Class G securities (4) 50 50 2.21% Huntington Preferred Capital II - Class I securities (5) 50 50 2.65% Huntington Preferred Capital II - Class J Securities (6) 75 — Total long-term debt $ 7,108 $ 8,352 (1) Variable effective rate at December 31, 2021, based on three-month LIBOR +0.70% (2) Variable effective rate at December 31, 2021, based on three-month LIBOR +0.625% (3) Variable effective rate at December 31, 2021, based on three-month LIBOR +1.40% (4) Variable effective rate at December 31, 2021, based on three-month LIBOR +1.88% (5) Variable effective rate at December 31, 2021, based on three-month LIBOR +2.00% (6) Variable effective rate at December 31, 2021 based on three-month SOFR +2.60% A list of trust-preferred securities outstanding at December 31, 2021 follows: (dollar amounts in millions) Rate Principal amount of subordinated note/ debenture issued to trust (1) Investment in unconsolidated subsidiary Huntington Capital I 0.91 % (2) $ 70 $ 7 Huntington Capital II 0.83 (3) 32 3 Sky Financial Capital Trust III 1.61 (4) 72 2 Sky Financial Capital Trust IV 1.61 (4) 74 2 Total $ 248 $ 14 (1) Represents the principal amount of debentures issued to each trust, including unamortized original issue discount. (2) Variable effective rate at December 31, 2021, based on three-month LIBOR + 0.70%. (3) Variable effective rate at December 31, 2021, based on three-month LIBOR + 0.625%. (4) Variable effective rate at December 31, 2021, based on three-month LIBOR + 1.40%.
Schedule of Maturities of Long-term Debt	Long-term debt maturities for the next five years and thereafter are as follows: (dollar amounts in millions) 2022 2023 2024 2025 2026 Thereafter Total The Parent Company: Senior notes $ — $ — $ 800 $ 500 $ — $ 750 $ 2,050 Subordinated notes — 225 — — — 809 1,034 The Bank: Senior notes 1,198 1,202 — — — — 2,400 Subordinated notes 110 — — 130 239 300 779 FHLB Advances 1 1 — 200 — 1 203 Other 106 128 116 57 127 3 537 Total $ 1,415 $ 1,556 $ 916 $ 887 $ 366 $ 1,863 $ 7,003

OTHER COMPREHENSIVE INCOME (Tab

OTHER COMPREHENSIVE INCOME (Tables)	12 Months Ended
OTHER COMPREHENSIVE INCOME (Tables)	Dec. 31, 2021
Equity [Abstract]
Components of Accumulated Other Comprehensive Income	The components of Huntington’s OCI for the years ended December 31, 2021, 2020, and 2019, were as follows: (dollar amounts in millions) Pretax Tax (expense) benefit After-tax Year Ended December 31, 2021 Unrealized (losses) gains on available-for-sale securities arising during the period (474) 107 (367) Less: Reclassification adjustment for realized net losses (gains) included in net income 34 (8) 26 Total unrealized (losses) gains on available-for-sale securities (440) 99 (341) Change in fair value related to cash flow hedges (144) 39 (105) Foreign currency translation adjustment (1) (12) — (12) Net unrealized gains (losses) on net investment hedges 9 — 9 Translation adjustments, net of hedges (1) (3) — (3) Change in accumulated unrealized gains (losses) for pension and other post-retirement obligations 36 (8) 28 Other comprehensive loss (551) 130 (421) Year Ended December 31, 2020 — Unrealized gains (losses) on available-for-sale securities arising during the period 235 (52) 183 Less: Reclassification adjustment for realized net losses (gains) included in net income 42 (9) 33 Total unrealized gains (losses) on available-for-sale securities 277 (61) 216 Change in fair value related to cash flow hedges 302 (68) 234 Change in accumulated unrealized (losses) gains for pension and other post-retirement obligations (2) (3) 1 (2) Other comprehensive income 576 (128) 448 Year Ended December 31, 2019 Unrealized gains (losses) on available-for-sale securities arising during the period 403 (89) 314 Less: Reclassification adjustment for realized net losses (gains) included in net income 26 (5) 21 Total unrealized gains (losses) on available-for-sale securities 429 (94) 335 Change in fair value related to cash flow hedges 26 (3) 23 Change in accumulated unrealized gains (losses) for pension and other post-retirement obligations (7) 2 (5) Other comprehensive income 448 (95) 353 (1) Foreign investments are deemed to be permanent in nature and, therefore, Huntington does not provide for taxes on foreign currency translation adjustments. (2) Includes a settlement gain recognized in other noninterest income on the Consolidated Statements of Income.
Activity in Accumulated Other Comprehensive Income	Activity in accumulated OCI for the years ended December 31, 2021 and 2020 were as follows: (dollar amounts in millions) Unrealized (losses) Change in fair value related to cash flow hedges Translation adjustments, net of hedges Unrealized Total December 31, 2018 $ (363) $ — $ — $ (246) $ (609) Other comprehensive income before reclassifications $ 314 $ 23 $ — $ — $ 337 Amounts reclassified from accumulated OCI to earnings $ 21 $ — $ — $ (5) $ 16 Period change $ 335 $ 23 $ — $ (5) $ 353 December 31, 2019 $ (28) $ 23 $ — $ (251) $ (256) Other comprehensive income before reclassifications 183 234 — — 417 Amounts reclassified from accumulated OCI to earnings 33 — — (2) 31 Period change 216 234 — (2) 448 December 31, 2020 188 257 — (253) 192 Other comprehensive income before reclassifications (367) (105) (3) — (475) Amounts reclassified from accumulated OCI to earnings 26 — — 28 54 Period change (341) (105) (3) 28 (421) December 31, 2021 $ (153) $ 152 $ (3) $ (225) $ (229) (1) AOCI amounts at December 31, 2021, 2020, and 2019 include $35 million, $69 million and $121 million, respectively, of net unrealized losses on securities transferred from the available-for-sale securities portfolio to the held-to-maturity securities portfolio. The net unrealized losses will be recognized in earnings over the remaining life of the security using the effective interest method.

SHAREHOLDERS' EQUITY (Tables)

SHAREHOLDERS' EQUITY (Tables)	12 Months Ended
SHAREHOLDERS' EQUITY (Tables)	Dec. 31, 2021
Equity [Abstract]
Schedule of Stock by Class	The following is a summary of Huntington’s non-cumulative, non-voting, perpetual preferred stock outstanding as of December 31, 2021. (dollar amounts in millions) Carrying Amount Series Issuance Date Shares Outstanding Dividend Rate Earliest Redemption Date (1) December 31, 2021 December 31, 2020 Series B (2) 12/28/2011 35,500 3-mo. LIBOR + 270 bps 1/15/2017 $ 23 $ 23 Series D 3/21/2016 — 6.25 % 4/15/2021 — 386 Series D 5/5/2016 — 6.25 4/15/2021 — 199 Series C 8/16/2016 — 5.875 10/15/2021 — 100 Series E (3) 2/27/2018 5,000 5.70 4/15/2023 495 495 Series F (3) 5/27/2020 5,000 5.625 7/15/2030 494 494 Series G (3) 8/3/2020 5,000 4.45 10/15/2027 494 494 Series H (2) 2/2/2021 500,000 4.50 4/15/2026 486 — Series I (3) 6/9/2021 7,000 5.70 12/01/2022 175 — Total 557,500 $ 2,167 $ 2,191 (1) Denotes earliest optional redemption date. Earlier redemption is solely at Huntington’s option, subject to prior approval of FRB. (2) Series B and H of preferred stock have a liquidation value and redemption price per share of $1,000, plus any declared and unpaid dividends.
Dividends Declared	The following table presents the dividends declared for each series of Preferred shares for the years ended December 31, 2021, 2020, and 2019: (amounts in millions, except per share data) Cash Dividend Declared Per Share Preferred Series Amount ($) Year Ended December 31, 2021 Series B $ 28.69 $ (1) Series C 44.07 (4) Series D 31.25 (18) Series E 5,700.00 (29) Series F 5,625.00 (28) Series G 4,450.00 (23) Series H 42.00 (21) Series I 1,068.75 (7) $ (131) Year Ended December 31, 2020 Series B $ 35.91 $ (1) Series C 58.76 (6) Series D 62.50 (37) Series E 5,700.00 (29) Series F 3,468.75 (17) Series G 1,915.97 (10) $ (100) Year Ended December 31, 2019 Series B $ 51.22 $ (2) Series C 58.76 (6) Series D 62.50 (37) Series E 5,700.00 (29) $ (74)

EARNINGS PER SHARE (Tables)

EARNINGS PER SHARE (Tables)	12 Months Ended
EARNINGS PER SHARE (Tables)	Dec. 31, 2021
Earnings Per Share [Abstract]
Basic and diluted earnings loss per share	The calculation of basic and diluted earnings per share for the years ended December 31, 2021, 2020, and 2019: Year Ended December 31, (dollar amounts in millions, except per share data, share count in thousands) 2021 2020 2019 Basic earnings per common share: Net income attributable to Huntington Bancshares Inc $ 1,295 $ 817 $ 1,411 Dividends on preferred shares 131 100 74 Impact of preferred stock redemption 11 — — Net income available to common shares $ 1,153 $ 717 $ 1,337 Average common shares issued and outstanding 1,262,435 1,017,117 1,038,840 Basic earnings per common share $ 0.91 $ 0.71 $ 1.29 Diluted earnings per common share: Dilutive potential common shares Stock options and restricted stock units and awards 18,185 10,613 12,994 Shares held in deferred compensation plans 6,113 4,953 4,245 Dilutive potential common shares 24,298 15,566 17,239 Total diluted average common shares issued and outstanding 1,286,733 1,032,683 1,056,079 Diluted earnings per common share $ 0.90 $ 0.69 $ 1.27 Anti-dilutive awards (1) 2,674 9,760 5,253 (1) Reflects the total number of shares related to outstanding options that have been excluded from the computation of diluted earnings per share because the impact would have been anti-dilutive.

NONINTEREST INCOME (Tables)

NONINTEREST INCOME (Tables)	12 Months Ended
NONINTEREST INCOME (Tables)	Dec. 31, 2021
Revenue from Contract with Customer [Abstract]
Schedule of Non-interest Income	The following table shows Huntington’s total noninterest income segregated between contracts with customers within the scope of ASC 606 and those within the scope of other GAAP Topics. Year Ended December 31, (dollar amounts in millions) 2021 2020 2019 Noninterest income Noninterest income from contracts with customers $ 1,113 $ 884 $ 939 Noninterest income within the scope of other GAAP topics 776 707 515 Total noninterest income $ 1,889 $ 1,591 $ 1,454 The following table illustrates the disaggregation by operating segment and major revenue stream and reconciles disaggregated revenue to segment revenue presented in Note 25 - “ Segment Reporting ”: Year Ended December 31, 2021 (dollar amounts in millions) Commercial Banking Consumer & Business Banking Vehicle Finance RBHPCG Treasury / Other Huntington Consolidated Major Revenue Streams Service charges on deposit accounts $ 85 $ 278 $ 6 $ 3 $ — $ 372 Card and payment processing income 19 292 — — — 311 Trust and investment management services 3 63 — 166 — 232 Insurance income 7 48 — 49 1 105 Other noninterest income 45 26 3 8 11 93 Net revenue from contracts with customers $ 159 $ 707 $ 9 $ 226 $ 12 $ 1,113 Noninterest income within the scope of other GAAP topics 364 338 4 1 69 776 Total noninterest income $ 523 $ 1,045 $ 13 $ 227 $ 81 $ 1,889 Year Ended December 31, 2020 (dollar amounts in millions) Commercial Banking Consumer & Business Banking Vehicle Finance RBHPCG Treasury / Other Huntington Consolidated Major Revenue Streams Service charges on deposit accounts $ 74 $ 217 $ 6 $ 4 $ — $ 301 Card and payment processing income 15 221 — — — 236 Trust and investment management services 5 44 — 140 — 189 Insurance Income 7 43 — 46 1 97 Other noninterest income 22 26 2 11 — 61 Net revenue from contracts with customers $ 123 $ 551 $ 8 $ 201 $ 1 $ 884 Noninterest income within the scope of other GAAP topics 241 394 1 — 71 707 Total noninterest income $ 364 $ 945 $ 9 $ 201 $ 72 $ 1,591 Year Ended December 31, 2019 (dollar amounts in millions) Commercial Banking Consumer & Business Banking Vehicle Finance RBHPCG Treasury / Other Huntington Consolidated Major Revenue Streams Service charges on deposit accounts $ 64 $ 297 $ 7 $ 4 $ — $ 372 Card and payment processing income 15 218 — — — 233 Trust and investment management services 4 34 — 139 1 178 Insurance Income 6 34 — 47 1 88 Other noninterest income 24 32 4 6 2 68 Net revenue from contracts with customers $ 113 $ 615 $ 11 $ 196 $ 4 $ 939 Noninterest income within the scope of other GAAP topics 246 210 1 2 56 515 Total noninterest income $ 359 $ 825 $ 12 $ 198 $ 60 $ 1,454

SHARE-BASED COMPENSATION (Table

SHARE-BASED COMPENSATION (Tables)	12 Months Ended
SHARE-BASED COMPENSATION (Tables)	Dec. 31, 2021
Share-based Payment Arrangement [Abstract]
Share based compensation expense and related tax benefit	The following table presents total share-based compensation expense and related tax benefit for the three years ended December 31, 2021, 2020, and 2019: (dollar amounts in millions) 2021 2020 2019 Share-based compensation expense $ 138 $ 77 $ 83 Tax benefit 22 13 15
Weighted average assumptions used in the option pricing model	The following table presents the weighted average assumptions used in the option pricing model at the grant date for options granted in the three years ended December 31, 2021, 2020, and 2019: Assumptions 2021 2020 2019 Risk-free interest rate 1.25 % 0.48 % 2.41 % Expected dividend yield 3.74 6.98 4.36 Expected volatility of Huntington’s common stock 36.8 39.7 22.5 Expected option term (years) 6.5 6.5 6.5 Weighted-average grant date fair value per share $ 3.93 $ 1.49 $ 1.91
Stock option activity and related information	Huntington’s stock option activity and related information for the year ended December 31, 2021, was as follows: (dollar amounts in millions, except per share and options amounts in thousands) Options Weighted- Weighted-Average Contractual Life (Years) Aggregate Outstanding at January 1, 2021 14,152 $ 11.55 Granted 1,883 16.04 Assumed 844 12.02 Exercised (1,850) 10.36 Forfeited/expired (563) 11.01 Outstanding at December 31, 2021 14,466 $ 12.34 6.9 $ 46 Expected to vest (1) 6,795 $ 12.23 5.7 $ 23 Exercisable at December 31, 2021 7,531 $ 12.43 8.2 $ 23 (1) The number of options expected to vest reflect an estimate of 140,000 shares expected to be forfeited.
Schedule of restricted stock, restricted stock units, and performance shares	The following table summarizes the status of Huntington’s restricted stock awards, restricted stock units, and performance share units as of December 31, 2021, and activity for the year ended December 31, 2021: Restricted Stock Awards Restricted Stock Units Performance Share Units (amounts in thousands, except per share amounts) Quantity Weighted- Average Grant Date Fair Value Per Share Quantity Weighted- Average Grant Date Fair Value Per Share Quantity Weighted- Average Grant Date Fair Value Per Share Nonvested at January 1, 2021 — $ — 16,652 $ 12.05 3,275 $ 11.74 Granted — — 4,422 15.71 1,405 16.08 Assumed (1) 690 14.54 6,691 14.72 — — Vested (321) 14.63 (7,686) 14.41 (1,340) 14.76 Forfeited (13) 14.45 (981) 12.72 (214) 11.42 Nonvested at December 31, 2021 356 $ 14.46 19,098 $ 12.85 3,126 $ 12.06 (1) Weighted-average grant date fair value per share represents the fair value per share on the acquisition date .

BENEFIT PLANS (Tables)

BENEFIT PLANS (Tables)	12 Months Ended
BENEFIT PLANS (Tables)	Dec. 31, 2021
Retirement Benefits [Abstract]
Schedule of weighted-average assumptions used	The following table shows the weighted-average assumptions used to determine the benefit obligation at December 31, 2021 and 2020, and the net periodic benefit cost for the years then ended: Pension Benefits 2021 2020 Weighted-average assumptions used to determine benefit obligations Discount rate 2.86 % 2.50 % Weighted-average assumptions used to determine net periodic benefit cost Discount rate 2.50 3.40 Expected return on plan assets 4.50 5.00
Schedule of changes in projected benefit obligation	The following table reconciles the beginning and ending balances of the benefit obligation of the Plan with the amounts recognized in the consolidated balance sheets at December 31: Pension Benefits (dollar amounts in millions) 2021 2020 Projected benefit obligation at beginning of measurement year $ 1,026 $ 923 Changes due to: Service cost 3 3 Interest cost 19 26 Benefits paid (30) (29) Settlements (25) (19) Actuarial assumptions and gains (losses) (37) 122 Total changes (70) 103 Projected benefit obligation at end of measurement year $ 956 $ 1,026
Schedule of changes in fair value of plan assets	The following table reconciles the beginning and ending balances of the fair value of Plan assets at the December 31, 2021 and 2020 measurement dates: Pension Benefits (dollar amounts in millions) 2021 2020 Fair value of plan assets at beginning of measurement year $ 1,050 $ 931 Changes due to: Actual return on plan assets 15 164 Settlements (28) (16) Benefits paid (30) (29) Total changes (43) 119 Fair value of plan assets at end of measurement year $ 1,007 $ 1,050
Schedule of net periodic benefit costs	The following table shows the components of net periodic benefit costs recognized in the three years ended December 31, 2021, 2020 and 2019: Pension Benefits (1) (dollar amounts in millions) 2021 2020 2019 Service cost $ 3 $ 3 $ 2 Interest cost 19 26 32 Expected return on plan assets (40) (42) (44) Amortization of loss 12 9 6 Settlements 8 5 5 Benefit costs $ 2 $ 1 $ 1 (1) The pension costs are recognized in other noninterest income in the Consolidated Statements of Income .
Schedule of allocation of plan assets	At December 31, 2021 and 2020, The Huntington National Bank, as trustee, held all Plan assets. The Plan assets consisted of investments in a variety of cash equivalent, corporate and government fixed income, and equity investments as follows: Fair Value (dollar amounts in millions) 2021 2020 Cash equivalents: Mutual funds-money market $ 45 5 % $ 20 2 % Fixed income: Corporate obligations 559 55 522 50 U.S. Government obligations 208 21 208 20 Municipal obligations 5 — 6 — Collective trust funds 13 1 118 11 Equities: Common stock 52 5 48 5 Preferred stock — — 5 — Limited liability companies 36 4 39 4 Collective trust funds 30 3 33 3 Limited partnerships 58 6 51 5 Fair value of plan assets $ 1,007 100 % $ 1,050 100 %
Schedule of expected benefit payments	At December 31, 2021, the following table shows when benefit payments are expected to be paid: (dollar amounts in millions) Pension Benefits 2022 $ 56 2023 54 2024 52 2025 50 2026 50 2027 through 2030 240
Schedule of amounts recognized in OCI	The following tables present the amounts recognized in OCI as of December 31, 2021, 2020, and 2019, and the changes in accumulated OCI for the years ended December 31, 2021, 2020, and 2019: (dollar amounts in millions) 2021 2020 2019 Net actuarial loss $ (225) $ (253) $ (261) Prior service cost — — 10 Defined benefit pension plans $ (225) $ (253) $ (251) 2021 (dollar amounts in millions) Pretax Tax (expense) Benefit After-tax Net actuarial gain (loss): Amounts arising during the year $ 18 $ (4) $ 14 Amortization included in net periodic benefit costs 18 (4) 14 Total recognized in OCI $ 36 $ (8) $ 28 2020 (dollar amounts in millions) Pretax Tax (expense) Benefit After-tax Net actuarial (loss) gain: Amounts arising during the year $ (7) $ 2 $ (5) Amortization included in net periodic benefit costs 17 (4) 13 Prior service cost: Amounts arising during the year (11) 3 (8) Amortization included in net periodic benefit costs (2) — (2) Total recognized in OCI $ (3) $ 1 $ (2) 2019 (dollar amounts in millions) Pretax Tax (expense) Benefit After-tax Net actuarial (loss) gain: Amounts arising during the year $ (17) $ 5 $ (12) Amortization included in net periodic benefit costs 12 (3) 9 Prior service cost: Amortization included in net periodic benefit costs (2) — (2) Total recognized in OCI $ (7) $ 2 $ (5)
Schedule of Huntington stock statistics for defined contribution plan	The following table shows the number of shares, market value, and dividends received on shares of Huntington stock held by the defined contribution plan: December 31, (dollar amounts in millions, share amounts in thousands) 2021 2020 Shares in Huntington common stock 9,526 10,121 Market value of Huntington common stock $ 147 $ 128 Dividends received on shares of Huntington stock 6 6

INCOME TAXES (Tables)

INCOME TAXES (Tables)	12 Months Ended
INCOME TAXES (Tables)	Dec. 31, 2021
Income Tax Disclosure [Abstract]
Summary of provision (benefit) for income taxes	The following is a summary of the provision for income taxes: Year Ended December 31, (dollar amounts in millions) 2021 2020 2019 Current tax provision (benefit) Federal $ 356 $ 236 $ 209 State 13 12 16 Foreign 1 — — Total current tax provision 370 248 225 Deferred tax provision (benefit) Federal (104) (103) 24 State 28 10 (1) Total deferred tax provision (76) (93) 23 Provision for income taxes $ 294 $ 155 $ 248
Reconcilement of provision (benefit) for income taxes	The following is a reconciliation for provision for income taxes: Year Ended December 31, (dollar amounts in millions) 2021 2020 2019 Provision for income taxes computed at the statutory rate $ 334 $ 204 $ 348 Increases (decreases): General business credits (126) (99) (88) Capital loss (32) (25) (62) Tax-exempt income (18) (17) (21) Tax-exempt bank owned life insurance income (14) (13) (14) Affordable housing investment amortization, net of tax benefits 102 78 70 State income taxes, net 32 17 11 Other 16 10 4 Provision for income taxes $ 294 $ 155 $ 248
Significant components of deferred tax assets and liabilities	The significant components of deferred tax assets and liabilities at December 31, 2021 and 2020 were as follows: At December 31, (dollar amounts in millions) 2021 2020 Deferred tax assets: Allowances for credit losses $ 518 $ 448 Tax credit carryforward 194 — Net operating and other loss carryforward 143 128 Lease liability 143 54 Purchase accounting and other intangibles 107 30 Fair value adjustments 65 — Pension and other employee benefits 46 10 Other assets 14 5 Total deferred tax assets 1,230 675 Deferred tax liabilities: Lease financing 712 409 Operating assets 116 85 Loan origination costs 115 137 Right-of-use asset 113 46 Mortgage servicing rights 84 43 Securities adjustments 40 20 Fair value adjustments — 55 Other liabilities 14 3 Total deferred tax liabilities 1,194 798 Net deferred tax asset (liability) before valuation allowance 36 (123) Valuation allowance (35) (11) Net deferred tax asset (liability) $ 1 $ (134)
Reconciliation of gross unrecognized tax benefits	The following table provides a reconciliation of the beginning and ending amounts of gross unrecognized tax benefits: (dollar amounts in millions) 2021 2020 Unrecognized tax benefits at beginning of year $ 46 $ — Gross increases for tax positions taken during prior years 47 46 Unrecognized tax benefits at end of year $ 93 $ 46

FAIR VALUES OF ASSETS AND LIA_2

FAIR VALUES OF ASSETS AND LIABILITIES (Tables)	12 Months Ended
FAIR VALUES OF ASSETS AND LIABILITIES (Tables)	Dec. 31, 2021
Fair Value Disclosures [Abstract]
Assets and liabilities measured at fair value on a recurring basis	Assets and liabilities measured at fair value on a recurring basis are summarized in the following tables: Fair Value Measurements at Reporting Date Using Netting Adjustments (1) December 31, 2021 (dollar amounts in millions) Level 1 Level 2 Level 3 Assets Trading account securities: Municipal securities $ — $ 46 $ — $ — $ 46 Available-for-sale securities: U.S. Treasury securities 5 — — — 5 Residential CMOs — 4,649 — — 4,649 Residential MBS — 15,508 — — 15,508 Commercial MBS — 1,865 — — 1,865 Other agencies — 248 — — 248 Municipal securities — 49 3,477 — 3,526 Private-label CMO — 86 20 — 106 Asset-backed securities — 312 70 — 382 Corporate debt — 2,167 — — 2,167 Other securities/sovereign debt — 4 — — 4 5 24,888 3,567 — 28,460 Other securities 65 7 — — 72 Loans held for sale — 1,270 — — 1,270 Loans held for investment — 152 19 — 171 MSRs — — 351 — 351 Other assets: Derivative assets — 1,055 10 (465) 600 Assets held in trust for deferred compensation plans 156 — — — 156 Liabilities Derivative liabilities — 737 6 (624) 119 Fair Value Measurements at Reporting Date Using Netting Adjustments (1) December 31, 2020 (dollar amounts in millions) Level 1 Level 2 Level 3 Assets Trading account securities: Municipal securities $ — $ 62 $ — $ — $ 62 Available-for-sale securities: U.S. Treasury securities 5 — — — 5 Residential CMOs — 3,666 — — 3,666 Residential MBS — 7,935 — — 7,935 Commercial MBS — 1,163 — — 1,163 Other agencies — 62 — — 62 Municipal securities — 53 2,951 — 3,004 Private-label CMO — — 9 — 9 Asset-backed securities — 182 10 — 192 Corporate debt — 445 — — 445 Other securities/sovereign debt — 4 — — 4 5 13,510 2,970 — 16,485 Other securities 59 — — — 59 Loans held for sale — 1,198 — — 1,198 Loans held for investment — 71 23 — 94 MSRs — — 210 — 210 Other assets: Derivative assets — 1,903 43 (889) 1,057 Assets held in trust for deferred compensation plans 73 — — — 73 Liabilities Derivative liabilities — 1,031 2 (917) 116 (1) Amounts represent the impact of legally enforceable master netting agreements that allow the Company to settle positive and negative positions and cash collateral held or placed with the same counterparties.
Roll forward of derivatives measured on a recurring basis and classified as Level 3	The following tables present a rollforward of the balance sheet amounts measured at fair value on a recurring basis and classified as Level 3. The classification of an item as Level 3 is based on the significance of the unobservable inputs to the overall fair value measurement. However, Level 3 measurements may also include observable components of value that can be validated externally. Accordingly, the gains and losses in the table below include changes in fair value due in part to observable factors that are part of the valuation methodology. Level 3 Fair Value Measurements Available-for-sale securities Loans held for investment (dollar amounts in millions) MSRs Derivative Municipal Private- Asset- Opening balance $ 210 $ 41 $ 2,951 $ 9 $ 10 $ 23 Transfers out of Level 3 (1) — (132) — — — — Total gains/losses for the period: Included in earnings: Mortgage banking income 27 88 — — — — Interest and fee income — — (1) (2) — — Included in OCI — — (46) — — — Purchases/originations/acquisitions 194 7 1,835 11 115 — Sales — — (369) — — — Repayments — — — — — (4) Settlements (80) — (893) 2 (55) — Closing balance $ 351 $ 4 $ 3,477 $ 20 $ 70 $ 19 Change in unrealized gains or losses for the period included in earnings for assets held at end of the reporting date $ 27 $ (41) $ — $ — $ — $ — Change in unrealized gains or losses for the period included in other comprehensive income for assets held at the end of the reporting period $ — $ — $ (47) $ — $ — $ — Level 3 Fair Value Measurements Available-for-sale securities Loans held for investment (dollar amounts in millions) MSRs Derivative instruments Municipal securities Private- Asset- backed securities Opening balance $ 7 $ 6 $ 2,999 $ 2 $ 48 $ 26 Fair value election for serving assets previously measured using the amortized method 205 — — — — Transfers out of Level 3 (1) — (198) — — — — Total gains/losses for the period: Included in earnings: Mortgage banking income (104) 233 — — — — Interest and fee income — — (2) — — — Included in OCI — — 65 — — — Purchases/originations 102 — 623 7 28 — Repayments — — — — — (3) Settlements — — (734) — (66) — Closing balance $ 210 $ 41 $ 2,951 $ 9 $ 10 $ 23 Change in unrealized gains or losses for the period included in earnings (or changes in net assets) for assets held at end of the reporting date $ (104) $ 34 $ — $ — $ — $ — Change in unrealized gains or losses for the period included in other comprehensive income for assets held at the end of the reporting period $ — $ — $ 68 $ — $ — $ — Level 3 Fair Value Measurements Available-for-sale securities Loans held for investment (dollar amounts in millions) MSRs Derivative instruments Municipal securities Private label CMO Asset- backed securities Opening balance $ 10 $ 2 $ 3,165 $ — $ — $ 30 Transfers out of Level 3 (1) — (62) — — — — Total gains/losses for the period: Included in earnings: Mortgage banking income (3) 66 — — — — Interest and fee income — — (1) — — 1 Included in OCI — — 77 — — — Purchases/originations — — 254 2 55 — Sales — — — — — — Repayments — — — — — (5) Settlements — — (496) — (7) — Closing balance $ 7 $ 6 $ 2,999 $ 2 $ 48 $ 26 Change in unrealized gains or losses for the period included in earnings (or changes in net assets) for assets held at end of the reporting date $ (3) $ 3 $ — $ — $ — $ — Change in unrealized gains or losses for the period included in other comprehensive income for assets held at the end of the reporting period $ — $ — $ 74 $ — $ — $ — (1)
Roll forward of assets measured on a recurring basis and classified as Level 3	Level 3 Fair Value Measurements Available-for-sale securities Loans held for investment (dollar amounts in millions) MSRs Derivative Municipal Private- Asset- Opening balance $ 210 $ 41 $ 2,951 $ 9 $ 10 $ 23 Transfers out of Level 3 (1) — (132) — — — — Total gains/losses for the period: Included in earnings: Mortgage banking income 27 88 — — — — Interest and fee income — — (1) (2) — — Included in OCI — — (46) — — — Purchases/originations/acquisitions 194 7 1,835 11 115 — Sales — — (369) — — — Repayments — — — — — (4) Settlements (80) — (893) 2 (55) — Closing balance $ 351 $ 4 $ 3,477 $ 20 $ 70 $ 19 Change in unrealized gains or losses for the period included in earnings for assets held at end of the reporting date $ 27 $ (41) $ — $ — $ — $ — Change in unrealized gains or losses for the period included in other comprehensive income for assets held at the end of the reporting period $ — $ — $ (47) $ — $ — $ — Level 3 Fair Value Measurements Available-for-sale securities Loans held for investment (dollar amounts in millions) MSRs Derivative instruments Municipal securities Private- Asset- backed securities Opening balance $ 7 $ 6 $ 2,999 $ 2 $ 48 $ 26 Fair value election for serving assets previously measured using the amortized method 205 — — — — Transfers out of Level 3 (1) — (198) — — — — Total gains/losses for the period: Included in earnings: Mortgage banking income (104) 233 — — — — Interest and fee income — — (2) — — — Included in OCI — — 65 — — — Purchases/originations 102 — 623 7 28 — Repayments — — — — — (3) Settlements — — (734) — (66) — Closing balance $ 210 $ 41 $ 2,951 $ 9 $ 10 $ 23 Change in unrealized gains or losses for the period included in earnings (or changes in net assets) for assets held at end of the reporting date $ (104) $ 34 $ — $ — $ — $ — Change in unrealized gains or losses for the period included in other comprehensive income for assets held at the end of the reporting period $ — $ — $ 68 $ — $ — $ — Level 3 Fair Value Measurements Available-for-sale securities Loans held for investment (dollar amounts in millions) MSRs Derivative instruments Municipal securities Private label CMO Asset- backed securities Opening balance $ 10 $ 2 $ 3,165 $ — $ — $ 30 Transfers out of Level 3 (1) — (62) — — — — Total gains/losses for the period: Included in earnings: Mortgage banking income (3) 66 — — — — Interest and fee income — — (1) — — 1 Included in OCI — — 77 — — — Purchases/originations — — 254 2 55 — Sales — — — — — — Repayments — — — — — (5) Settlements — — (496) — (7) — Closing balance $ 7 $ 6 $ 2,999 $ 2 $ 48 $ 26 Change in unrealized gains or losses for the period included in earnings (or changes in net assets) for assets held at end of the reporting date $ (3) $ 3 $ — $ — $ — $ — Change in unrealized gains or losses for the period included in other comprehensive income for assets held at the end of the reporting period $ — $ — $ 74 $ — $ — $ — (1)
Assets and liabilities under the fair value option	The following table presents the fair value and aggregate principal balance of certain assets and liabilities under the fair value option: Total Loans Loans that are 90 or more days past due (dollar amounts in millions) Fair value Aggregate Difference Fair value Aggregate Difference December 31, 2021 Assets Loans held for sale $ 1,270 $ 1,237 $ 33 $ — $ — $ — Loans held for investment 171 177 (6) 4 4 — December 31, 2020 Assets Loans held for sale $ 1,198 $ 1,134 $ 64 $ 2 $ 2 $ — Loans held for investment 94 99 $ (5) 7 8 (1) The following table presents the net (losses) gains from fair value changes: Net (losses) gains from fair value (dollar amounts in millions) 2021 2020 2019 Assets Loans held for sale (1) $ (31) $ 38 $ 7 Loans held for investment (1) 1 1 (1) The net (losses) gains from fair value changes are included in Mortgage banking income on the Consolidated Statements of Income.
Assets measured at fair value on a nonrecurring basis	The amounts measured at fair value on a nonrecurring basis were as follows: Fair Value Measurements Using (dollar amounts in millions) Fair Value Quoted Prices In Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Other Unobservable Inputs (Level 3) Total December 31, 2021 Collateral-dependent loans $ 39 $ — $ — $ 39 $ (4) December 31, 2020 Collateral-dependent loans 144 — — 144 (43) Loans held for sale 124 — — 124 (63)
Quantitative information about significant unobservable level 3 fair value measurement inputs	The table below presents quantitative information about the significant unobservable inputs for assets and liabilities measured at fair value on a recurring and nonrecurring basis: Quantitative Information about Level 3 Fair Value Measurements At December 31, 2021(1) At December 31, 2020(1) (dollar amounts in millions) Valuation Technique Significant Unobservable Input Range Weighted Average Range Weighted Average Measured at fair value on a recurring basis: MSRs Discounted cash flow Constant prepayment rate 8 % - 23 % 12 % 8 % - 24 % 17 % Spread over forward interest rate swap rates 3 % - 11 % 5 % 4 % - 11 % 5 % Derivative assets Consensus Pricing Net market price (4) % - 8 % 1 % (4) % - 11 % 3 % Estimated pull through % 6 % - 100 % 92 % 1 % - 100 % 88 % Municipal securities Discounted cash flow Discount rate — % - 2 % 1 % — % - 1 % 1 % Asset-backed securities Cumulative default — % - 64 % 5 % — % - 39 % 4 % Loss given default 5 % - 80 % 23 % 5 % - 80 % 25 % (1) Certain disclosures related to quantitative level 3 fair value measurements do not include those deemed to be immaterial.
Fair value by balance sheet grouping	The following table provides the carrying amounts and estimated fair values of Huntington’s financial instruments: (dollar amounts in millions) Amortized Cost Lower of Cost or Market Fair Value or Fair Value Option Total Carrying Amount Estimated Fair Value December 31, 2021 Financial Assets Cash and short-term assets $ 5,914 $ — $ — $ 5,914 $ 5,914 Trading account securities — — 46 46 46 Available-for-sale securities — — 28,460 28,460 28,460 Held-to-maturity securities 12,447 — — 12,447 12,489 Other securities 576 — 72 648 648 Loans held for sale — 406 1,270 1,676 1,621 Net loans and leases (1) 109,719 — 171 109,890 110,342 Derivative assets — — 600 600 600 Assets held in trust for deferred compensation plans — — 156 156 156 Financial Liabilities Deposits 143,263 — — 143,263 143,574 Short-term borrowings 334 — — 334 334 Long-term debt 7,108 — — 7,108 7,319 Derivative liabilities — — 119 119 119 December 31, 2020 Financial Assets Cash and short-term assets $ 6,712 $ — $ — $ 6,712 $ 6,712 Trading account securities — — 62 62 62 Available-for-sale securities — — 16,485 16,485 16,485 Held-to-maturity securities 8,861 — — 8,861 9,255 Other securities 359 — 59 418 418 Loans held for sale — 77 1,198 1,275 1,275 Net loans and leases (1) 79,700 — 94 79,794 80,477 Derivative assets — — 1,057 1,057 1,057 Assets held in trust for deferred compensation plans — — 73 73 73 Financial Liabilities Deposits 98,948 — — 98,948 99,021 Short-term borrowings 183 — — 183 183 Long-term debt 8,352 — — 8,352 8,568 Derivative liabilities — — 116 116 116 (1) Includes collateral-dependent loans. The following table presents the level in the fair value hierarchy for estimated fair values: Estimated Fair Value Measurements at Reporting Date Using Netting Presented Balance (dollar amounts in millions) Level 1 Level 2 Level 3 Adjustments (1) December 31, 2021 Financial Assets Trading account securities $ — $ 46 $ — $ 46 Available-for-sale securities 5 24,888 3,567 28,460 Held-to-maturity securities — 12,489 — 12,489 Other securities (2) 65 7 — 72 Loans held for sale — 1,270 351 1,621 Net loans and leases — 152 110,190 110,342 Derivative assets — 1,055 10 (465) 600 Financial Liabilities Deposits — 139,047 4,527 143,574 Short-term borrowings — 334 — 334 Long-term debt — 6,441 878 7,319 Derivative liabilities — 737 6 (624) 119 December 31, 2020 Financial Assets Trading account securities $ — $ 62 $ — $ 62 Available-for-sale securities 5 13,510 2,970 16,485 Held-to-maturity securities — 9,255 — 9,255 Other securities (2) 59 — — 59 Loans held for sale — 1,198 77 1,275 Net loans and leases — 71 80,406 80,477 Derivative assets — 1,903 43 (889) 1,057 Financial Liabilities Deposits — 96,656 2,365 99,021 Short-term borrowings — 183 — 183 Long-term debt — 7,999 569 8,568 Derivative liabilities — 1,031 2 (917) 116 (1) Amounts represent the impact of legally enforceable master netting agreements that allow the Company to settle positive and negative positions and cash collateral held or placed with the same counterparties. (2) Excludes securities without readily determinable fair values.

DERIVATIVE FINANCIAL INSTRUME_2

DERIVATIVE FINANCIAL INSTRUMENTS (Tables)	12 Months Ended
DERIVATIVE FINANCIAL INSTRUMENTS (Tables)	Dec. 31, 2021
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Asset and liability derivatives included in accrued income and other assets	The following table presents the fair values and notional values of all derivative instruments included in the Consolidated Balance Sheets at December 31, 2021 and December 31, 2020. Amounts in the table below are presented gross without the impact of any net collateral arrangements. December 31, 2021 December 31, 2020 (dollar amounts in millions) Notional Value Asset Liability Notional Value Asset Liability Derivatives designated as Hedging Instruments Interest rate contracts $ 21,306 $ 258 $ 32 $ 27,056 $ 719 $ 51 Foreign exchange contracts 210 1 — — — — Derivatives not designated as Hedging Instruments Interest rate contracts 45,286 587 498 44,495 1,074 828 Foreign exchange contracts 3,524 29 31 2,718 46 47 Commodities contracts 1,077 178 177 1,952 107 103 Equity contracts 685 12 5 517 — 4 Total Contracts $ 72,088 $ 1,065 $ 743 $ 76,738 $ 1,946 $ 1,033
Gains and (losses) recognized in other comprehensive income (loss) (OCI) for derivatives designated as effective cash flow hedges	The following table presents the amount of gain or loss recognized in income for derivatives not designated as hedging instruments under ASC Subtopic 815-10 in the Consolidated Income Statement for the years ended December 31, 2021, 2020 and 2019. Location of Gain or (Loss) Recognized in Income on Derivative Year Ended December 31, (dollar amounts in millions) 2021 2020 2019 Interest rate contracts: Customer Capital markets fees $ 50 $ 47 $ 49 Mortgage banking Mortgage banking income (26) 52 37 Interest rate floors Interest and fee income on loans and leases (8) (2) 4 Interest rate caps Interest expense on long-term debt 89 5 — Foreign exchange contracts Capital markets fees 32 27 28 Commodities contracts Capital markets fees 3 4 (2) Equity contracts Other noninterest expense (8) (4) (4) Total $ 132 $ 129 $ 112
Gross notional values of derivatives used in asset and liability management activities	The following table presents the gross notional values of derivatives used in Huntington’s asset and liability management activities at December 31, 2021 and December 31, 2020, identified by the underlying interest rate-sensitive instruments: December 31, 2021 (dollar amounts in millions) Fair Value Hedges Cash Flow Hedges Economic Hedges Total Instruments associated with: Investment securities $ 8,228 $ — $ — $ 8,228 Loans — 11,150 271 11,421 Long-term debt 1,928 — — 1,928 Total notional value at December 31, 2021 $ 10,156 $ 11,150 $ 271 $ 21,577 December 31, 2020 (dollar amounts in millions) Fair Value Hedges Cash Flow Hedges Economic Hedges Total Instruments associated with: Investment securities $ 3,484 $ — $ — $ 3,484 Loans — 17,375 1,271 18,646 Long-term debt 6,197 — 5,000 11,197 Total notional value at December 31, 2020 $ 9,681 $ 17,375 $ 6,271 $ 33,327
Increase or (decrease) to interest expense for derivatives designated as fair value hedges	The following table presents the change in fair value for derivatives designated as fair value hedges as well as the offsetting change in fair value on the hedged item for the years ended December 31, 2021, 2020 and 2019: Year Ended December 31, (dollar amounts in millions) 2021 2020 2019 Interest rate contracts Change in fair value of interest rate swaps hedging investment securities (1) $ 108 $ 6 $ — Change in fair value of hedged investment securities (1) (114) 3 — Change in fair value of interest rate swaps hedging long-term debt (2) (184) 113 127 Change in fair value of hedged long term debt (2) 187 (118) (125) (1) Recognized in Interest income—available-for-sale securities—taxable in the Consolidated Statements of Income . (2) Recognized in Interest expense - long-term debt in the Consolidated Statements of Income .
Amounts recorded on the balance sheet related to cumulative basis adjustments	As of December 31, 2021 and 2020, the following amounts were recorded on the balance sheet related to cumulative basis adjustments for fair value hedges. Amortized Cost Cumulative Amount of Fair Value Hedging Adjustment To Hedged Items At December 31, At December 31, (dollar amounts in millions) 2021 2020 2021 2020 Assets Investment securities (1) $ 17,150 $ 6,637 $ (117) $ 3 Liabilities Long-term debt (2) 1,981 6,383 45 232 (1) Amounts include the amortized cost basis of closed portfolios used to designate hedging relationships in which the hedged item is the last layer expected to be remaining at the end of the hedging relationship. As of December 31, 2021, the amortized cost basis of the closed portfolios used in these hedging relationships was $16.2 billion, the cumulative basis adjustments associated with these hedging relationships was $(101) million, and the amounts of the designated hedged items were $7.4 billion. (2) Excluded from the above table are the cumulative amount of fair value hedge adjustments remaining for long-term debt for which hedge accounting has been discontinued in the amounts of $17 million at December 31, 2021 and $(62) million at December 31, 2020.
MSR Derivative Hedging	The notional value of the derivative financial instruments, the corresponding net asset (liability) position recognized in other assets and/or other liabilities, and net trading (losses) gains related to MSR hedging activity is summarized in the following table: MSR hedging activity At December 31, (dollar amounts in millions) 2021 2020 Notional value $ 1,330 $ 1,170 Trading assets 19 43 Year December 31, (dollar amounts in millions) 2021 2020 2019 Trading (losses) gains $ (26) $ 52 $ 30
Offsetting of financial assets and derivatives assets	The following tables present the gross amounts of these assets and liabilities with any offsets to arrive at the net amounts recognized in the Consolidated Balance Sheets at December 31, 2021 and December 31, 2020: Offsetting of Financial Assets and Derivative Assets Gross amounts offset in the consolidated balance sheets Net amounts of assets presented in the consolidated balance sheets Gross amounts not offset in the consolidated balance sheets (dollar amounts in millions) Gross amounts of recognized assets Financial instruments Cash collateral received Net amount December 31, 2021 $ 1,065 $ (465) $ 600 $ (65) $ (31) $ 504 December 31, 2020 1,946 (889) 1,057 (112) (142) 803
Offsetting of financial liabilities and derivative liabilities	Offsetting of Financial Liabilities and Derivative Liabilities Gross amounts offset in the consolidated balance sheets Net amounts of liabilities presented in the consolidated balance sheets Gross amounts not offset in the consolidated balance sheets (dollar amounts in millions) Gross amounts of recognized liabilities Financial instruments Cash collateral delivered Net amount December 31, 2021 $ 743 $ (624) $ 119 $ (3) $ (116) $ — December 31, 2020 1,033 (917) 116 (9) (105) 2

VIEs (Tables)

VIEs (Tables)	12 Months Ended
VIEs (Tables)	Dec. 31, 2021
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Carrying amount and classification of the trusts assets and liabilities, and affordable housing tax credit investments	The following tables provide a summary of the assets and liabilities included in Huntington’s Consolidated Financial Statements, as well as the maximum exposure to losses, associated with its interests related to unconsolidated VIEs for which Huntington holds an interest in, but is not the primary beneficiary of, the VIE at December 31, 2021, and 2020: December 31, 2021 (dollar amounts in millions) Total Assets Total Liabilities Maximum Exposure to Loss Affordable Housing Tax Credit Partnerships $ 1,652 $ 949 $ 1,652 Trust Preferred Securities 14 248 — Other Investments 484 146 484 Total $ 2,150 $ 1,343 $ 2,136 December 31, 2020 (dollar amounts in millions) Total Assets Total Liabilities Maximum Exposure to Loss Affordable Housing Tax Credit Partnerships $ 956 $ 500 $ 956 Trust Preferred Securities 14 252 — Other Investments 308 72 308 Total $ 1,278 $ 824 $ 1,264 The following table presents the balances of Huntington’s affordable housing tax credit investments and related unfunded commitments at December 31, 2021 and 2020. (dollar amounts in millions) December 31, December 31, Affordable housing tax credit investments $ 2,376 $ 1,568 Less: amortization (724) (612) Net affordable housing tax credit investments $ 1,652 $ 956 Unfunded commitments $ 949 $ 500 The following table presents other information relating to Huntington’s affordable housing tax credit investments for the years ended December 31, 2021, 2020, and 2019: Year Ended December 31, (dollar amounts in millions) 2021 2020 2019 Tax credits and other tax benefits recognized $ 144 $ 113 $ 98 Proportional amortization expense included in provision for income taxes 126 97 84
Summary of outstanding trust preferred securities	Huntington’s long-term debt consisted of the following: At December 31, (dollar amounts in millions) 2021 2020 The Parent Company: Senior Notes: 3.19% Huntington Bancshares Incorporated medium-term notes due 2021 $ — $ 802 2.33% Huntington Bancshares Incorporated senior notes due 2022 — 699 2.67% Huntington Bancshares Incorporated senior notes due 2024 812 838 4.05% Huntington Bancshares Incorporated senior notes due 2025 527 553 2.60% Huntington Bancshares Incorporated senior notes due 2030 744 743 Subordinated Notes: 3.55% Huntington Bancshares Incorporated subordinated notes due 2023 227 256 Huntington Capital I Trust Preferred 0.91% junior subordinated debentures due 2027 (1) 69 69 Huntington Capital II Trust Preferred 0.83% junior subordinated debentures due 2028 (2) 32 32 Sky Financial Capital Trust III 1.61% junior subordinated debentures due 2036 (3) 72 72 Sky Financial Capital Trust IV 1.61% junior subordinated debentures due 2036 (3) 74 74 2.54% Huntington Bancshares Incorporated subordinated notes due 2036 554 — Camco Financial Statutory Trust I 1.57% due 2037 — 4 Total notes issued by the parent 3,111 4,142 The Bank: Senior Notes: 0.79% Huntington National Bank senior notes due 2021 — 298 3.33% Huntington National Bank senior notes due 2021 — 752 2.55% Huntington National Bank senior notes due 2022 703 710 3.16% Huntington National Bank senior notes due 2022 500 511 1.83% Huntington National Bank senior notes due 2023 483 489 3.60% Huntington National Bank senior notes due 2023 748 773 Subordinated Notes: 0.64% Huntington National Bank subordinated notes due 2022 113 — 0.96% Huntington National Bank subordinated notes due 2025 142 — 3.86% Huntington National Bank subordinated notes due 2026 226 233 3.03% Huntington National Bank subordinated notes due 2029 161 — 3.75% Huntington National Bank subordinated notes due 2030 169 — Total notes issued by the bank 3,245 3,766 FHLB Advances: 1.04% weighted average rate, varying maturities greater than one year 215 3 Other: Huntington Technology Finance nonrecourse debt, 3.15% weighted average interest rate, varying maturities 287 266 2.09% Huntington Preferred Capital II - Class F securities (4) 75 75 2.09% Huntington Preferred Capital II - Class G securities (4) 50 50 2.21% Huntington Preferred Capital II - Class I securities (5) 50 50 2.65% Huntington Preferred Capital II - Class J Securities (6) 75 — Total long-term debt $ 7,108 $ 8,352 (1) Variable effective rate at December 31, 2021, based on three-month LIBOR +0.70% (2) Variable effective rate at December 31, 2021, based on three-month LIBOR +0.625% (3) Variable effective rate at December 31, 2021, based on three-month LIBOR +1.40% (4) Variable effective rate at December 31, 2021, based on three-month LIBOR +1.88% (5) Variable effective rate at December 31, 2021, based on three-month LIBOR +2.00% (6) Variable effective rate at December 31, 2021 based on three-month SOFR +2.60% A list of trust-preferred securities outstanding at December 31, 2021 follows: (dollar amounts in millions) Rate Principal amount of subordinated note/ debenture issued to trust (1) Investment in unconsolidated subsidiary Huntington Capital I 0.91 % (2) $ 70 $ 7 Huntington Capital II 0.83 (3) 32 3 Sky Financial Capital Trust III 1.61 (4) 72 2 Sky Financial Capital Trust IV 1.61 (4) 74 2 Total $ 248 $ 14 (1) Represents the principal amount of debentures issued to each trust, including unamortized original issue discount. (2) Variable effective rate at December 31, 2021, based on three-month LIBOR + 0.70%. (3) Variable effective rate at December 31, 2021, based on three-month LIBOR + 0.625%. (4) Variable effective rate at December 31, 2021, based on three-month LIBOR + 1.40%.

COMMITMENTS AND CONTINGENT LI_2

COMMITMENTS AND CONTINGENT LIABILITIES (Tables)	12 Months Ended
COMMITMENTS AND CONTINGENT LIABILITIES (Tables)	Dec. 31, 2021
Commitments and Contingencies Disclosure [Abstract]
Contract amounts of various commitments to extend credit	The contract amounts of these financial agreements at December 31, 2021, and December 31, 2020 were as follows: At December 31, (dollar amounts in millions) 2021 2020 Contract amount representing credit risk Commitments to extend credit: Commercial $ 27,933 $ 20,701 Consumer 18,513 14,808 Commercial real estate 3,042 1,313 Standby letters of credit and guarantees on industrial revenue bonds 694 581 Commercial letters of credit 36 21

OTHER REGULATORY MATTERS (Table

OTHER REGULATORY MATTERS (Tables)	12 Months Ended
OTHER REGULATORY MATTERS (Tables)	Dec. 31, 2021
BankingRegulation [Abstract]
Period-end capital amounts and capital ratios	Minimum Minimum Basel III Regulatory Ratio+Capital Well- December 31, Capital Conservation Capitalized 2021 2020 (dollar amounts in millions) Ratios Buffer (1) Minimums Ratio Amount Ratio Amount CET 1 risk-based capital Consolidated 4.50 % 7.00 % N/A 9.33 % $ 12,249 10.00 % $ 8,887 Bank 4.50 7.00 6.50 % 10.15 13,261 10.65 9,438 Tier 1 risk-based capital Consolidated 6.00 8.50 6.00 10.99 14,426 12.47 11,083 Bank 6.00 8.50 8.00 11.06 14,445 11.97 10,601 Total risk-based capital Consolidated 8.00 10.50 10.00 13.14 17,246 14.46 12,856 Bank 8.00 10.50 10.00 12.58 16,427 13.58 12,032 Tier 1 leverage Consolidated 4.00 N/A N/A 8.56 14,426 9.32 9,854 Bank 4.00 N/A 5.00 8.60 14,445 8.94 10,601

PARENT-ONLY FINANCIAL STATEME_2

PARENT-ONLY FINANCIAL STATEMENTS (Tables)	12 Months Ended
PARENT-ONLY FINANCIAL STATEMENTS (Tables)	Dec. 31, 2021
Condensed Financial Information Disclosure [Abstract]
Balance Sheets	The parent-only financial statements, which include transactions with subsidiaries, are as follows: Balance Sheets December 31, (dollar amounts in millions) 2021 2020 Assets Cash and due from banks $ 2,832 $ 4,466 Due from The Huntington National Bank 297 297 Due from non-bank subsidiaries 35 37 Investment in The Huntington National Bank 19,297 12,509 Investment in non-bank subsidiaries 217 147 Accrued interest receivable and other assets 544 429 Total assets $ 23,222 $ 17,885 Liabilities and shareholders’ equity Long-term borrowings $ 3,111 $ 4,142 Dividends payable, accrued expenses, and other liabilities 815 750 Total liabilities 3,926 4,892 Shareholders’ equity (1) 19,296 12,993 Total liabilities and shareholders’ equity $ 23,222 $ 17,885 (1) See Consolidated Statements of Changes in Shareholders’ Equity.
Statements of Income	Statements of Income Year Ended December 31, (dollar amounts in millions) 2021 2020 2019 Income Dividends from: The Huntington National Bank $ 1,394 $ 1,527 $ 685 Non-bank subsidiaries 19 36 3 Interest from: The Huntington National Bank 3 4 8 Non-bank subsidiaries 1 1 2 Other — 11 2 Total income 1,417 1,579 700 Expense Personnel costs 6 17 6 Interest on borrowings 60 115 143 Other 230 123 145 Total expense 296 255 294 Income before income taxes and equity in undistributed net income of subsidiaries 1,121 1,324 406 Provision (benefit) for income taxes (56) (46) (63) Income before equity in undistributed net income of subsidiaries 1,177 1,370 469 Increase (decrease) in undistributed net income (loss) of: The Huntington National Bank 97 (547) 908 Non-bank subsidiaries 21 (6) 34 Net income $ 1,295 $ 817 $ 1,411 Other comprehensive income (loss) (1) (421) 448 353 Comprehensive income $ 874 $ 1,265 $ 1,764 (1) See Consolidated Statements of Comprehensive Income for other comprehensive income (loss) detail.
Statements of Cash Flows	Statements of Cash Flows Year Ended December 31, (dollar amounts in millions) 2021 2020 2019 Operating activities Net income $ 1,295 $ 817 $ 1,411 Adjustments to reconcile net income to net cash provided by operating activities: Equity in undistributed net income of subsidiaries (118) 553 (942) Depreciation and amortization 23 — (2) Other, net (217) 89 (19) Net cash (used for) provided by operating activities 983 1,459 448 Investing activities Repayments from subsidiaries 8 8 701 Advances to subsidiaries (59) (256) (11) (Purchases)/Proceeds from sale of securities (28) (1) (38) Net cash received from business combination 248 — — Net cash (used for) provided by investing activities 169 (249) 652 Financing activities Net proceeds from issuance of medium-term notes 513 747 797 Payment of long-term debt (1,508) (800) — Dividends paid on common and preferred stock (888) (698) (671) Repurchases of common stock (650) (92) (441) Net proceeds from issuance of preferred stock 486 988 — Payment to repurchase preferred stock (700) — — Other, net (39) (8) (18) Net cash provided by (used for) financing activities (2,786) 137 (333) Increase (decrease) in cash and cash equivalents (1,634) 1,347 767 Cash and cash equivalents at beginning of year 4,466 3,119 2,352 Cash and cash equivalents at end of year $ 2,832 $ 4,466 $ 3,119 Supplemental disclosure: Interest paid $ 71 $ 113 $ 135

SEGMENT REPORTING (Tables)

SEGMENT REPORTING (Tables)	12 Months Ended
SEGMENT REPORTING (Tables)	Dec. 31, 2021
Segment Reporting [Abstract]
Business Segment Financial Information	Listed in the table below is certain operating basis financial information reconciled to Huntington’s December 31, 2021, December 31, 2020, and December 31, 2019, reported results by business segment: Income Statements (dollar amounts in millions) Commercial Banking Consumer & Business Banking Vehicle Finance RBHPCG Treasury / Other Huntington Consolidated 2021 Net interest income $ 1,284 $ 1,667 $ 468 $ 159 $ 524 $ 4,102 Provision for credit losses 4 91 (86) 16 — 25 Noninterest income 523 1,045 13 227 81 1,889 Noninterest expense 791 2,231 163 300 890 4,375 Provision (benefit) for income taxes 212 82 85 15 (100) 294 Income attributable to non-controlling interest 2 — — — — 2 Net income attributable to Huntington Bancshares Inc $ 798 $ 308 $ 319 $ 55 $ (185) $ 1,295 2020 Net interest income $ 903 $ 1,436 $ 430 $ 160 $ 295 $ 3,224 Provision for credit losses 626 265 146 11 — 1,048 Noninterest income 364 945 9 201 72 1,591 Noninterest expense 542 1,774 141 243 95 2,795 Provision for income taxes 21 72 32 22 8 155 Net income $ 78 $ 270 $ 120 $ 85 $ 264 $ 817 2019 Net interest income $ 1,037 $ 1,766 $ 397 $ 198 $ (185) $ 3,213 Provision for credit losses 132 114 44 (3) — 287 Noninterest income 359 825 12 198 60 1,454 Noninterest expense 564 1,673 148 256 80 2,721 Provision (benefit) for income taxes 147 169 45 30 (143) 248 Net income (loss) $ 553 $ 635 $ 172 $ 113 $ (62) $ 1,411
Segment Disclosure of Assets and Deposits	Assets at December 31, Deposits at December 31, (dollar amounts in millions) 2021 2020 2021 2020 Commercial Banking 57,071 36,311 31,845 24,766 Consumer & Business Banking $ 39,929 $ 30,758 $ 95,352 $ 60,910 Vehicle Finance 20,752 19,789 1,401 722 RBHPCG 8,325 7,064 10,162 7,635 Treasury / Other 47,987 29,116 4,503 4,915 Total $ 174,064 $ 123,038 $ 143,263 $ 98,948

SIGNIFICANT ACCOUNTING POLICI_3

SIGNIFICANT ACCOUNTING POLICIES - Loans and Leases (Details)	12 Months Ended
	Dec. 31, 2021
Commercial portfolio
Financing Receivable, Past Due [Line Items]
Threshold period past due for nonperforming status	90 days
Threshold past due for write-off	90 days
Commercial real estate
Financing Receivable, Past Due [Line Items]
Threshold period past due for nonperforming status	90 days
Threshold past due for write-off	90 days
Home Equity \| First-lien home equity loan
Financing Receivable, Past Due [Line Items]
Threshold period past due for nonperforming status	150 days
Threshold past due for write-off	150 days
Home Equity \| Junior-lien home equity loan
Financing Receivable, Past Due [Line Items]
Threshold past due for write-off	120 days
Automobile
Financing Receivable, Past Due [Line Items]
Threshold past due for write-off	120 days
RV and marine
Financing Receivable, Past Due [Line Items]
Threshold past due for write-off	120 days
Residential Mortgage
Financing Receivable, Past Due [Line Items]
Threshold period past due for nonperforming status	150 days
Threshold past due for write-off	150 days
Other consumer
Financing Receivable, Past Due [Line Items]
Threshold past due for write-off	120 days
Consumer portfolio
Financing Receivable, Past Due [Line Items]
Threshold past due for write-off	120 days

SIGNIFICANT ACCOUNTING POLICI_4

SIGNIFICANT ACCOUNTING POLICIES - Property, Plant, and Equipment (Details)	12 Months Ended
	Dec. 31, 2021
Buildings \| Minimum
Property, Plant and Equipment [Line Items]
Property, plant and equipment, useful life	30 years
Buildings \| Maximum
Property, Plant and Equipment [Line Items]
Property, plant and equipment, useful life	40 years
Building Improvements \| Minimum
Property, Plant and Equipment [Line Items]
Property, plant and equipment, useful life	10 years
Building Improvements \| Maximum
Property, Plant and Equipment [Line Items]
Property, plant and equipment, useful life	30 years
Land Improvements \| Minimum
Property, Plant and Equipment [Line Items]
Property, plant and equipment, useful life	5 years
Land Improvements \| Maximum
Property, Plant and Equipment [Line Items]
Property, plant and equipment, useful life	20 years
Equipment \| Minimum
Property, Plant and Equipment [Line Items]
Property, plant and equipment, useful life	3 years
Equipment \| Maximum
Property, Plant and Equipment [Line Items]
Property, plant and equipment, useful life	10 years

ACQUISITION OF TCF FINANCIAL _3

ACQUISITION OF TCF FINANCIAL CORPORATION - Narrative (Details) $ in Millions	Oct. 15, 2021Rate	Jun. 09, 2021USD ($)	Jun. 09, 2021USD ($)	Jun. 09, 2021USD ($)Rate	Sep. 30, 2021USD ($)bankingCenter	Dec. 31, 2021USD ($)Rate	Dec. 31, 2020USD ($)	Dec. 31, 2019USD ($)
Business Acquisition [Line Items]
Goodwill						$ 5,349	$ 1,990
Noninterest expense						$ 4,375	$ 2,795	$ 2,721
Disposal Group, Held-for-sale, Not Discontinued Operations \| Branches Sold In Connection with Acquisition of TCF
Business Acquisition [Line Items]
Number of branches disposed \| bankingCenter					14
Deposits classified as held for sale					$ 847
Loans classified as held for sale					$ 209
Series C Non-Cumulative Perpetual Preferred Stock
Business Acquisition [Line Items]
Preferred stock, dividend rate percentage \| Rate	5.875%					5.875%
TCF Financial Corporation
Business Acquisition [Line Items]
Total consideration		$ 7,183
Goodwill		$ 3,359	$ 3,359	$ 3,359
TCF Financial Corporation \| Acquisition-related Costs
Business Acquisition [Line Items]
Noninterest expense						$ 701
TCF Financial Corporation \| Common Stock
Business Acquisition [Line Items]
Share issuance ratio			3.0028
TCF Financial Corporation \| Newly created series of preferred stock
Business Acquisition [Line Items]
Share issuance ratio			1
TCF Financial Corporation \| Core deposit intangible
Business Acquisition [Line Items]
Useful life						10 years
TCF Financial Corporation \| Series C Non-Cumulative Perpetual Preferred Stock
Business Acquisition [Line Items]
Preferred stock, dividend rate percentage			5.70%	5.70%

ACQUISITION OF TCF FINANCIAL _4

ACQUISITION OF TCF FINANCIAL CORPORATION - Assets Acquired and Liabilities Assumed (Details) - USD ($) $ in Millions	Jun. 09, 2021	Dec. 31, 2021	Dec. 31, 2020
Assets acquired:
Loans and leases - UPB	$ 33,773
Loans and leases - fair value	33,156
Consideration:
Goodwill		$ 5,349	$ 1,990
Commercial portfolio
Assets acquired:
Loans and leases - UPB	23,780
Loans and leases - fair value	23,222
Commercial portfolio \| Commercial and industrial
Assets acquired:
Loans and leases - UPB	12,726
Loans and leases - fair value	12,441
Commercial portfolio \| Commercial real estate
Assets acquired:
Loans and leases - UPB	8,125
Loans and leases - fair value	7,869
Commercial portfolio \| Lease financing
Assets acquired:
Loans and leases - UPB	2,929
Loans and leases - fair value	2,912
Consumer portfolio
Assets acquired:
Loans and leases - UPB	9,993
Loans and leases - fair value	9,934
Consumer portfolio \| Home equity
Assets acquired:
Loans and leases - UPB	6,267
Loans and leases - fair value	6,273
Consumer portfolio \| Automobile
Assets acquired:
Loans and leases - UPB	322
Loans and leases - fair value	317
Consumer portfolio \| Home equity
Assets acquired:
Loans and leases - UPB	2,644
Loans and leases - fair value	2,607
Consumer portfolio \| RV and marine
Assets acquired:
Loans and leases - UPB	581
Loans and leases - fair value	570
Consumer portfolio \| Other consumer
Assets acquired:
Loans and leases - UPB	179
Loans and leases - fair value	167
TCF Financial Corporation
Assets acquired:
Cash and due from banks	466
Interest-bearing deposits at Federal Reserve Bank	719
Interest-bearing deposits in banks	312
Available-for-sale securities	8,900
Other securities	358
Loans held for sale	363
Bank owned life insurance	181
Premises and equipment	360
Intangible assets	157
Other assets	1,441
Total assets acquired	46,413
Liabilities and equity assumed:
Deposits	38,663
Short-term borrowings	1,306
Long-term debt	1,516
Other liabilities	1,082
Total liabilities	42,567
Non-controlling interest	22
Net assets acquired	3,824
Consideration:
Total consideration	7,183
Goodwill	3,359
Goodwill adjustment		33
Other liabilities adjustment		$ 33
TCF Financial Corporation \| Common Stock
Consideration:
Fair value of common stock issued	6,998
TCF Financial Corporation \| Preferred Stock
Consideration:
Fair value of common stock issued	185
TCF Financial Corporation \| Core deposit intangible
Assets acquired:
Intangible assets	92
TCF Financial Corporation \| Other intangible assets
Assets acquired:
Intangible assets	6
TCF Financial Corporation \| Servicing rights
Assets acquired:
Intangible assets	$ 59

ACQUISITION OF TCF FINANCIAL _5

ACQUISITION OF TCF FINANCIAL CORPORATION - PCD Loans (Details) - TCF Financial Corporation $ in Millions	12 Months Ended
	Dec. 31, 2021USD ($)
Business Acquisition [Line Items]
Par value (UPB)	$ 9,264
ALLL at acquisition	(432)
Non-credit (discount)	(287)
Fair value	8,545
Commercial portfolio
Business Acquisition [Line Items]
Par value (UPB)	7,931
ALLL at acquisition	(374)
Non-credit (discount)	(219)
Fair value	7,338
Consumer portfolio
Business Acquisition [Line Items]
Par value (UPB)	1,333
ALLL at acquisition	(58)
Non-credit (discount)	(68)
Fair value	$ 1,207

ACQUISITION OF TCF FINANCIAL _6

ACQUISITION OF TCF FINANCIAL CORPORATION - Pro Forma (Details) - TCF Financial Corporation - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Business Acquisition [Line Items]
Net income attributable to Huntington Bancshares Inc	$ 1,624	$ 834
Net interest income
Business Acquisition [Line Items]
Pro forma revenue	4,713	4,774
Noninterest income
Business Acquisition [Line Items]
Pro forma revenue	$ 2,112	$ 2,127

INVESTMENT SECURITIES AND OTH_3

INVESTMENT SECURITIES AND OTHER SECURITIES - Schedule of Amortized Cost, Fair Value, and Gross Unrealized Gains (Losses) (Details) - USD ($) $ in Millions	Dec. 31, 2021	Dec. 31, 2020
Schedule of investment securities and other securities [Line Items]
Available-for-sale securities, Amortized Cost	$ 28,506	$ 16,175
Available-for-sale securities, Gross Gains	269	344
Available-for-sale securities, Gross Losses	(315)	(34)
Available-for-sale securities, Fair Value	28,460	16,485
Held-to-maturity securities, Amortized Cost	12,447	8,861
Held-to-maturity securities, Gross Gains	126	394
Held-to-maturity securities, Gross Losses	(84)	0
Held-to-maturity securities, Fair Value	12,489	9,255
Other securities, Amortized Cost	647	417
Other securities, Gross Gains	1	1
Other securities, Gross Losses	0	0
Other securities, Fair Value	648	418
Available-for-sale Securities
Schedule of investment securities and other securities [Line Items]
Accrued interest receivable	62	32
Held-to-maturity Securities
Schedule of investment securities and other securities [Line Items]
Accrued interest receivable	26	20
U.S. Treasury securities
Schedule of investment securities and other securities [Line Items]
Available-for-sale securities, Amortized Cost	5	5
Available-for-sale securities, Gross Gains	0	0
Available-for-sale securities, Gross Losses	0	0
Available-for-sale securities, Fair Value	5	5
Residential CMO
Schedule of investment securities and other securities [Line Items]
Available-for-sale securities, Amortized Cost	4,649	3,550
Available-for-sale securities, Gross Gains	40	121
Available-for-sale securities, Gross Losses	(40)	(5)
Available-for-sale securities, Fair Value	4,649	3,666
Held-to-maturity securities, Amortized Cost	2,602	1,779
Held-to-maturity securities, Gross Gains	35	88
Held-to-maturity securities, Gross Losses	(20)	0
Held-to-maturity securities, Fair Value	2,617	1,867
Residential MBS
Schedule of investment securities and other securities [Line Items]
Available-for-sale securities, Amortized Cost	15,533	7,843
Available-for-sale securities, Gross Gains	135	97
Available-for-sale securities, Gross Losses	(160)	(5)
Available-for-sale securities, Fair Value	15,508	7,935
Held-to-maturity securities, Amortized Cost	7,475	3,715
Held-to-maturity securities, Gross Gains	41	103
Held-to-maturity securities, Gross Losses	(59)	0
Held-to-maturity securities, Fair Value	7,457	3,818
Commercial MBS
Schedule of investment securities and other securities [Line Items]
Available-for-sale securities, Amortized Cost	1,896	1,151
Available-for-sale securities, Gross Gains	7	21
Available-for-sale securities, Gross Losses	(38)	(9)
Available-for-sale securities, Fair Value	1,865	1,163
Held-to-maturity securities, Amortized Cost	2,175	3,118
Held-to-maturity securities, Gross Gains	45	191
Held-to-maturity securities, Gross Losses	(5)	0
Held-to-maturity securities, Fair Value	2,215	3,309
Other agencies
Schedule of investment securities and other securities [Line Items]
Available-for-sale securities, Amortized Cost	248	60
Available-for-sale securities, Gross Gains	1	2
Available-for-sale securities, Gross Losses	(1)	0
Available-for-sale securities, Fair Value	248	62
Held-to-maturity securities, Amortized Cost	193	246
Held-to-maturity securities, Gross Gains	5	12
Held-to-maturity securities, Gross Losses	0	0
Held-to-maturity securities, Fair Value	198	258
Total U.S. Treasury, federal agency and other agency securities
Schedule of investment securities and other securities [Line Items]
Available-for-sale securities, Amortized Cost	22,331	12,609
Available-for-sale securities, Gross Gains	183	241
Available-for-sale securities, Gross Losses	(239)	(19)
Available-for-sale securities, Fair Value	22,275	12,831
Held-to-maturity securities, Amortized Cost	12,445	8,858
Held-to-maturity securities, Gross Gains	126	394
Held-to-maturity securities, Gross Losses	(84)	0
Held-to-maturity securities, Fair Value	12,487	9,252
Municipal securities
Schedule of investment securities and other securities [Line Items]
Available-for-sale securities, Amortized Cost	3,497	2,928
Available-for-sale securities, Gross Gains	62	91
Available-for-sale securities, Gross Losses	(33)	(15)
Available-for-sale securities, Fair Value	3,526	3,004
Held-to-maturity securities, Amortized Cost	2	3
Held-to-maturity securities, Gross Gains	0	0
Held-to-maturity securities, Gross Losses	0	0
Held-to-maturity securities, Fair Value	2	3
Private-label CMO
Schedule of investment securities and other securities [Line Items]
Available-for-sale securities, Amortized Cost	106	9
Available-for-sale securities, Gross Gains	1	0
Available-for-sale securities, Gross Losses	(1)	0
Available-for-sale securities, Fair Value	106	9
Asset-backed securities
Schedule of investment securities and other securities [Line Items]
Available-for-sale securities, Amortized Cost	385	185
Available-for-sale securities, Gross Gains	1	7
Available-for-sale securities, Gross Losses	(4)	0
Available-for-sale securities, Fair Value	382	192
Corporate debt
Schedule of investment securities and other securities [Line Items]
Available-for-sale securities, Amortized Cost	2,183	440
Available-for-sale securities, Gross Gains	22	5
Available-for-sale securities, Gross Losses	(38)	0
Available-for-sale securities, Fair Value	2,167	445
Other securities/Sovereign debt
Schedule of investment securities and other securities [Line Items]
Available-for-sale securities, Amortized Cost	4	4
Available-for-sale securities, Gross Gains	0	0
Available-for-sale securities, Gross Losses	0	0
Available-for-sale securities, Fair Value	4	4
Equity securities
Schedule of investment securities and other securities [Line Items]
Other securities, Amortized Cost	12
Other securities, Gross Gains	0
Other securities, Gross Losses	0
Other securities, Fair Value	12
Mutual funds
Schedule of investment securities and other securities [Line Items]
Other securities, Amortized Cost	65	50
Other securities, Gross Gains	0	0
Other securities, Gross Losses	0	0
Other securities, Fair Value	65	50
Equity securities
Schedule of investment securities and other securities [Line Items]
Other securities, Amortized Cost	6	8
Other securities, Gross Gains	1	1
Other securities, Gross Losses	0	0
Other securities, Fair Value	7	9
Federal Home Loan Bank stock \| Non-marketable equity securities:
Schedule of investment securities and other securities [Line Items]
Other securities, Amortized Cost	52	60
Other securities, Gross Gains	0	0
Other securities, Gross Losses	0	0
Other securities, Fair Value	52	60
Federal Reserve Bank stock \| Non-marketable equity securities:
Schedule of investment securities and other securities [Line Items]
Other securities, Amortized Cost	512	299
Other securities, Gross Gains	0	0
Other securities, Gross Losses	0	0
Other securities, Fair Value	$ 512	$ 299

INVESTMENT SECURITIES AND OTH_4

INVESTMENT SECURITIES AND OTHER SECURITIES - Contractual Maturities (Details) - USD ($) $ in Millions	Dec. 31, 2021	Dec. 31, 2020
Investments, Debt and Equity Securities [Abstract]
Available-for-sale securities, Under 1 year, Amortized Cost	$ 377	$ 308
Available-for-sale securities, After 1 year through 5 years, Amortized Cost	1,888	1,145
Available-for-sale securities, After 5 years through 10 years, Amortized Cost	3,166	1,607
Available-for-sale securities, After 10 years, Amortized Cost	23,075	13,115
Available-for-sale securities, Amortized Cost	28,506	16,175
Available-for-sale securities, Under 1 year, Fair Value	374	304
Available-for-sale securities, After 1 year through 5 years, Fair Value	1,880	1,154
Available-for-sale securities, After 5 years through 10 years, Fair Value	3,180	1,654
Available-for-sale securities, After 10 years, Fair Value	23,026	13,373
Available-for-sale securities, Fair Value	28,460	16,485
Held-to-maturity securities, Under 1 year, Amortized Cost	2	0
Held-to-maturity securities, After 1 year through 5 years, Amortized Cost	162	160
Held-to-maturity securities, After 5 years through 10 years, Amortized Cost	44	131
Held-to-maturity securities, Amortized Cost	12,447	8,861
Held-to-maturity securities, After 10 years, Amortized Cost	12,239	8,570
Held-to-maturity securities, Under 1 year, Fair Value	2	0
Held-to-maturity securities, After 1 year through 5 years, Fair Value	164	169
Held-to-maturity securities, After 5 years through 10 years, Fair Value	45	138
Held-to-maturity securities, After 10 years, Fair Value	12,278	8,948
Held-to-maturity securities, Fair Value	$ 12,489	$ 9,255

INVESTMENT SECURITIES AND OTH_5

INVESTMENT SECURITIES AND OTHER SECURITIES - Continuous Unrealized Loss Position (Details) - USD ($) $ in Millions	Dec. 31, 2021	Dec. 31, 2020
Investment securities and other securities disclosure [Line Items]
Available-for-sale securities, Less than 12 Months, Fair Value	$ 20,747	$ 2,432
Debt Securities, Available-for-sale securities, Less than 12 Months, Gross Unrealized Losses	(304)	(22)
Available-for-sale securities, Over 12 Months, Fair Value	319	490
Available-for-sale securities, Over 12 Months, Gross Unrealized Losses	(11)	(12)
Available-for-sale securities, Fair Value	21,066	2,922
Available-for-sale securities, Gross Unrealized Losses	(315)	(34)
Held-to-maturity securities, Less than 12 Months, Fair Value	7,608
Held-to-maturity securities, Less than 12 Months, Gross Unrealized Losses	(84)
Held-to-maturity securities, Over 12 Months, Fair Value	0
Held-to-maturity securities, Over 12 Months, Gross Unrealized Losses	0
Held-to-maturity securities, Fair Value	7,608
Held-to-maturity securities, Gross Unrealized Losses	(84)
Residential CMO
Investment securities and other securities disclosure [Line Items]
Available-for-sale securities, Less than 12 Months, Fair Value	2,925	302
Debt Securities, Available-for-sale securities, Less than 12 Months, Gross Unrealized Losses	(40)	(5)
Available-for-sale securities, Over 12 Months, Fair Value	0	0
Available-for-sale securities, Over 12 Months, Gross Unrealized Losses	0	0
Available-for-sale securities, Fair Value	2,925	302
Available-for-sale securities, Gross Unrealized Losses	(40)	(5)
Held-to-maturity securities, Less than 12 Months, Fair Value	1,453
Held-to-maturity securities, Less than 12 Months, Gross Unrealized Losses	(20)
Held-to-maturity securities, Over 12 Months, Fair Value	0
Held-to-maturity securities, Over 12 Months, Gross Unrealized Losses	0
Held-to-maturity securities, Fair Value	1,453
Held-to-maturity securities, Gross Unrealized Losses	(20)
Residential MBS
Investment securities and other securities disclosure [Line Items]
Available-for-sale securities, Less than 12 Months, Fair Value	13,491	1,633
Debt Securities, Available-for-sale securities, Less than 12 Months, Gross Unrealized Losses	(160)	(5)
Available-for-sale securities, Over 12 Months, Fair Value	0	0
Available-for-sale securities, Over 12 Months, Gross Unrealized Losses	0	0
Available-for-sale securities, Fair Value	13,491	1,633
Available-for-sale securities, Gross Unrealized Losses	(160)	(5)
Held-to-maturity securities, Less than 12 Months, Fair Value	5,837
Held-to-maturity securities, Less than 12 Months, Gross Unrealized Losses	(59)
Held-to-maturity securities, Over 12 Months, Fair Value	0
Held-to-maturity securities, Over 12 Months, Gross Unrealized Losses	0
Held-to-maturity securities, Fair Value	5,837
Held-to-maturity securities, Gross Unrealized Losses	(59)
Commercial MBS
Investment securities and other securities disclosure [Line Items]
Available-for-sale securities, Less than 12 Months, Fair Value	1,251	321
Debt Securities, Available-for-sale securities, Less than 12 Months, Gross Unrealized Losses	(38)	(9)
Available-for-sale securities, Over 12 Months, Fair Value	0	0
Available-for-sale securities, Over 12 Months, Gross Unrealized Losses	0	0
Available-for-sale securities, Fair Value	1,251	321
Available-for-sale securities, Gross Unrealized Losses	(38)	(9)
Held-to-maturity securities, Less than 12 Months, Fair Value	318
Held-to-maturity securities, Less than 12 Months, Gross Unrealized Losses	(5)
Held-to-maturity securities, Over 12 Months, Fair Value	0
Held-to-maturity securities, Over 12 Months, Gross Unrealized Losses	0
Held-to-maturity securities, Fair Value	318
Held-to-maturity securities, Gross Unrealized Losses	(5)
Other agencies
Investment securities and other securities disclosure [Line Items]
Available-for-sale securities, Less than 12 Months, Fair Value	140
Debt Securities, Available-for-sale securities, Less than 12 Months, Gross Unrealized Losses	(1)
Available-for-sale securities, Over 12 Months, Fair Value	0
Available-for-sale securities, Over 12 Months, Gross Unrealized Losses	0
Available-for-sale securities, Fair Value	140
Available-for-sale securities, Gross Unrealized Losses	(1)
Total U.S. Treasury, federal agency and other agency securities
Investment securities and other securities disclosure [Line Items]
Available-for-sale securities, Less than 12 Months, Fair Value	17,807	2,256
Debt Securities, Available-for-sale securities, Less than 12 Months, Gross Unrealized Losses	(239)	(19)
Available-for-sale securities, Over 12 Months, Fair Value	0	0
Available-for-sale securities, Over 12 Months, Gross Unrealized Losses	0	0
Available-for-sale securities, Fair Value	17,807	2,256
Available-for-sale securities, Gross Unrealized Losses	(239)	(19)
Held-to-maturity securities, Less than 12 Months, Fair Value	7,608
Held-to-maturity securities, Less than 12 Months, Gross Unrealized Losses	(84)
Held-to-maturity securities, Over 12 Months, Fair Value	0
Held-to-maturity securities, Over 12 Months, Gross Unrealized Losses	0
Held-to-maturity securities, Fair Value	7,608
Held-to-maturity securities, Gross Unrealized Losses	(84)
Municipal securities
Investment securities and other securities disclosure [Line Items]
Available-for-sale securities, Less than 12 Months, Fair Value	859	110
Debt Securities, Available-for-sale securities, Less than 12 Months, Gross Unrealized Losses	(22)	(3)
Available-for-sale securities, Over 12 Months, Fair Value	319	490
Available-for-sale securities, Over 12 Months, Gross Unrealized Losses	(11)	(12)
Available-for-sale securities, Fair Value	1,178	600
Available-for-sale securities, Gross Unrealized Losses	(33)	(15)
Private-label CMO
Investment securities and other securities disclosure [Line Items]
Available-for-sale securities, Less than 12 Months, Fair Value	78
Debt Securities, Available-for-sale securities, Less than 12 Months, Gross Unrealized Losses	(1)
Available-for-sale securities, Over 12 Months, Fair Value	0
Available-for-sale securities, Over 12 Months, Gross Unrealized Losses	0
Available-for-sale securities, Fair Value	78
Available-for-sale securities, Gross Unrealized Losses	(1)
Asset-backed Securities
Investment securities and other securities disclosure [Line Items]
Available-for-sale securities, Less than 12 Months, Fair Value	237	15
Debt Securities, Available-for-sale securities, Less than 12 Months, Gross Unrealized Losses	(4)	0
Available-for-sale securities, Over 12 Months, Fair Value	0	0
Available-for-sale securities, Over 12 Months, Gross Unrealized Losses	0	0
Available-for-sale securities, Fair Value	237	15
Available-for-sale securities, Gross Unrealized Losses	(4)	0
Corporate debt
Investment securities and other securities disclosure [Line Items]
Available-for-sale securities, Less than 12 Months, Fair Value	1,766	51
Debt Securities, Available-for-sale securities, Less than 12 Months, Gross Unrealized Losses	(38)	0
Available-for-sale securities, Over 12 Months, Fair Value	0	0
Available-for-sale securities, Over 12 Months, Gross Unrealized Losses	0	0
Available-for-sale securities, Fair Value	1,766	51
Available-for-sale securities, Gross Unrealized Losses	$ (38)	$ 0

INVESTMENT SECURITIES AND OTH_6

INVESTMENT SECURITIES AND OTHER SECURITIES - Narrative (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Investments, Debt and Equity Securities [Abstract]
Transfer of securities from available-for-sale to held-to-maturity	$ 3,007	$ 2,842	$ 0
Unrealized net gains recognized in OCI	2
Pledged financial instruments to support borrowing capacity	$ 21,700	$ 14,400

LOANS AND LEASES - Loan and Lea

LOANS AND LEASES - Loan and Lease Portfolio Composition (Details) - USD ($) $ in Millions		Dec. 31, 2021	Dec. 31, 2020
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	[1]	$ 111,920	$ 81,608
Allowance for loan and lease losses		(2,030)	(1,814)
Net loans and leases		109,890	79,794
Loans net premium		(111)	171
Commercial portfolio
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases		61,649	42,572
Interest receivable		148	146
Consumer portfolio
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases		50,271	39,036
Interest receivable		150	123
Commercial and industrial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases		41,688	33,151
Commercial and industrial \| Commercial portfolio
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases		41,688	33,151
Commercial real estate \| Commercial portfolio
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases		14,961	7,199
Lease financing
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases		5,000	2,222
Lease financing \| Commercial portfolio
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases		5,000	2,222
Home equity
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases		10,550	8,894
Home equity \| Consumer portfolio
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases		19,256	12,141
Automobile
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases		13,434	12,778
Automobile \| Consumer portfolio
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases		13,434	12,778
Home equity
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases		19,256	12,141
Home equity \| Consumer portfolio
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases		10,550	8,894
RV and marine
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases		5,058	4,190
RV and marine \| Consumer portfolio
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases		5,058	4,190
Other consumer
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases		1,973	1,033
Other consumer \| Consumer portfolio
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases		$ 1,973	$ 1,033

[1]	Amounts represent loans for which Huntington has elected the fair value option. See Note 19 “ Fair Values of Assets and Liabilities ”.

LOANS AND LEASES - Net Investme

LOANS AND LEASES - Net Investments in Lease Financing Receivables (Details) - Commercial portfolio - USD ($) $ in Millions	Dec. 31, 2021	Dec. 31, 2020
Accounts, Notes, Loans and Financing Receivable [Line Items]
Lease payments receivable	$ 4,620	$ 1,737
Estimated residual value of leased assets	774	664
Gross investment in lease financing receivables	5,394	2,401
Deferred origination costs	36	21
Deferred fees, unearned income and other	(430)	(200)
Total lease financing receivables	$ 5,000	$ 2,222

LOANS AND LEASES - Nonaccrual L

LOANS AND LEASES - Nonaccrual Loans by Loan Class (Details) - USD ($) $ in Millions	Dec. 31, 2021	Dec. 31, 2020
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonaccrual loans with no ACL	$ 164	$ 77
Total nonaccrual loans	716	532
Commercial portfolio \| Commercial and industrial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonaccrual loans with no ACL	81	69
Total nonaccrual loans	370	349
Commercial portfolio \| Commercial real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonaccrual loans with no ACL	80	8
Total nonaccrual loans	104	15
Commercial portfolio \| Lease financing
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonaccrual loans with no ACL	3	0
Total nonaccrual loans	48	4
Consumer \| Residential Mortgage
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonaccrual loans with no ACL	0	0
Total nonaccrual loans	111	88
Consumer \| Automobile
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonaccrual loans with no ACL	0	0
Total nonaccrual loans	3	4
Consumer \| Home equity
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonaccrual loans with no ACL	0	0
Total nonaccrual loans	79	70
Consumer \| RV and marine
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonaccrual loans with no ACL	0	0
Total nonaccrual loans	$ 1	$ 2

LOANS AND LEASES - NALs Past Du

LOANS AND LEASES - NALs Past Due (Details) - USD ($) $ in Millions		Dec. 31, 2021	Dec. 31, 2020
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans Accounted for Under FVO		$ 171	$ 94
Total loans and leases	[1]	111,920	81,608
90 or more days past due and accruing		210	171
Total
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases		1,072	819
30-59 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases		425	319
60-89 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases		191	121
90 or more days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases		456	379
Current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases		110,677	80,695
Commercial and industrial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans Accounted for Under FVO		0	0
Total loans and leases		41,688	33,151
90 or more days past due and accruing		13	0
Commercial and industrial \| 30-59 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases		72	38
Commercial and industrial \| 60-89 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases		69	33
Commercial and industrial \| 90 or more days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases		107	82
Commercial and industrial \| Current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases		41,440	32,998
Commercial real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans Accounted for Under FVO		0	0
Total loans and leases		14,961	7,199
90 or more days past due and accruing		0	0
Commercial real estate \| 30-59 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases		9	0
Commercial real estate \| 60-89 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases		1	1
Commercial real estate \| 90 or more days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases		9	11
Commercial real estate \| Current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases		14,942	7,187
Lease financing
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans Accounted for Under FVO		0	0
Total loans and leases		5,000	2,222
90 or more days past due and accruing		11	10
Lease financing \| 30-59 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases		39	22
Lease financing \| 60-89 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases		13	5
Lease financing \| 90 or more days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases		17	13
Lease financing \| Current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases		4,931	2,182
Home equity
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans Accounted for Under FVO		170	93
Total loans and leases		19,256	12,141
90 or more days past due and accruing		157	132
Home equity \| 30-59 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases		151	114
Home equity \| 60-89 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases		49	38
Home equity \| 90 or more days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases		233	194
Home equity \| Current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases		18,653	11,702
Automobile
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans Accounted for Under FVO		0	0
Total loans and leases		13,434	12,778
90 or more days past due and accruing		6	9
Automobile \| 30-59 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases		79	84
Automobile \| 60-89 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases		18	22
Automobile \| 90 or more days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases		8	12
Automobile \| Current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases		13,329	12,660
Home equity
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans Accounted for Under FVO		1	1
Total loans and leases		10,550	8,894
90 or more days past due and accruing		17	14
Home equity \| 30-59 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases		48	35
Home equity \| 60-89 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases		35	15
Home equity \| 90 or more days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases		76	61
Home equity \| Current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases		10,390	8,782
RV and marine
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans Accounted for Under FVO		0	0
Total loans and leases		5,058	4,190
90 or more days past due and accruing		3	3
RV and marine \| 30-59 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases		14	17
RV and marine \| 60-89 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases		4	3
RV and marine \| 90 or more days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases		3	3
RV and marine \| Current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases		5,037	4,167
Other consumer
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans Accounted for Under FVO		0	0
Total loans and leases		1,973	1,033
90 or more days past due and accruing		3	3
Other consumer \| 30-59 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases		13	9
Other consumer \| 60-89 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases		2	4
Other consumer \| 90 or more days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases		3	3
Other consumer \| Current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases		1,955	1,017
Commercial portfolio
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases		61,649	42,572
Commercial portfolio \| Commercial and industrial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases		41,688	33,151
Commercial portfolio \| Commercial and industrial \| Total
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases		248	153
Commercial portfolio \| Commercial real estate \| Total
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases		19	12
Commercial portfolio \| Lease financing
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases		5,000	2,222
Commercial portfolio \| Lease financing \| Total
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases		69	40
Consumer portfolio
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases		50,271	39,036
Consumer portfolio \| Home equity
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases		10,550	8,894
Consumer portfolio \| Home equity \| Total
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases		433	346
Consumer portfolio \| Automobile
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases		13,434	12,778
Consumer portfolio \| Automobile \| Total
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases		105	118
Consumer portfolio \| Home equity
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases		19,256	12,141
Consumer portfolio \| Home equity \| Total
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases		159	111
Consumer portfolio \| RV and marine
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases		5,058	4,190
Consumer portfolio \| RV and marine \| Total
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases		21	23
Consumer portfolio \| Other consumer
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases		1,973	1,033
Consumer portfolio \| Other consumer \| Total
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases		$ 18	$ 16

[1]	Amounts represent loans for which Huntington has elected the fair value option. See Note 19 “ Fair Values of Assets and Liabilities ”.

LOANS AND LEASES - Vintage Cred

LOANS AND LEASES - Vintage Credit Quality (Details) - USD ($) $ in Millions	Dec. 31, 2021	Dec. 31, 2020
Commercial portfolio
Financing Receivable, Credit Quality Indicator [Line Items]
Current year	$ 15,959	$ 13,211
Year before current year	6,059	4,398
Two years before current year	4,114	2,784
Three years before current year	2,273	1,419
Four years before current year	1,243	910
Prior	1,374	985
Revolver Total at Amortized Cost Basis	10,663	9,442
Revolver Total Converted to Term Loans	3	2
Total	41,688	33,151
Commercial portfolio \| Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Current year	15,435	12,599
Year before current year	5,677	4,161
Two years before current year	3,682	2,537
Three years before current year	1,983	1,192
Four years before current year	1,080	837
Prior	1,134	815
Revolver Total at Amortized Cost Basis	9,945	8,894
Revolver Total Converted to Term Loans	3	2
Total	38,939	31,037
Commercial portfolio \| OLEM
Financing Receivable, Credit Quality Indicator [Line Items]
Current year	183	415
Year before current year	178	112
Two years before current year	87	65
Three years before current year	83	24
Four years before current year	38	32
Prior	73	22
Revolver Total at Amortized Cost Basis	166	124
Revolver Total Converted to Term Loans	0	0
Total	808	794
Commercial portfolio \| Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Current year	336	195
Year before current year	203	125
Two years before current year	344	181
Three years before current year	206	203
Four years before current year	125	41
Prior	167	147
Revolver Total at Amortized Cost Basis	552	423
Revolver Total Converted to Term Loans	0	0
Total	1,933	1,315
Commercial portfolio \| Doubtful
Financing Receivable, Credit Quality Indicator [Line Items]
Current year	5	2
Year before current year	1	0
Two years before current year	1	1
Three years before current year	1	0
Four years before current year	0	0
Prior	0	1
Revolver Total at Amortized Cost Basis	0	1
Revolver Total Converted to Term Loans	0	0
Total	8	5
Commercial real estate
Financing Receivable, Credit Quality Indicator [Line Items]
Current year	4,444	1,863
Year before current year	2,777	1,734
Two years before current year	3,083	1,195
Three years before current year	1,655	573
Four years before current year	985	593
Prior	1,189	568
Revolver Total at Amortized Cost Basis	828	673
Revolver Total Converted to Term Loans	0	0
Total	14,961	7,199
Commercial real estate \| Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Current year	4,144	1,742
Year before current year	2,367	1,610
Two years before current year	2,593	1,122
Three years before current year	1,456	507
Four years before current year	761	507
Prior	1,124	539
Revolver Total at Amortized Cost Basis	798	633
Revolver Total Converted to Term Loans	0	0
Total	13,243	6,660
Commercial real estate \| OLEM
Financing Receivable, Credit Quality Indicator [Line Items]
Current year	76	94
Year before current year	48	78
Two years before current year	42	63
Three years before current year	83	37
Four years before current year	73	28
Prior	19	14
Revolver Total at Amortized Cost Basis	0	4
Revolver Total Converted to Term Loans	0	0
Total	341	318
Commercial real estate \| Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Current year	224	27
Year before current year	362	46
Two years before current year	448	10
Three years before current year	115	29
Four years before current year	151	58
Prior	46	14
Revolver Total at Amortized Cost Basis	30	36
Revolver Total Converted to Term Loans	0	0
Total	1,376	220
Commercial real estate \| Doubtful
Financing Receivable, Credit Quality Indicator [Line Items]
Current year	0	0
Year before current year	0	0
Two years before current year	0	0
Three years before current year	1	0
Four years before current year	0	0
Prior	0	1
Revolver Total at Amortized Cost Basis	0	0
Revolver Total Converted to Term Loans	0	0
Total	1	1
Lease financing
Financing Receivable, Credit Quality Indicator [Line Items]
Current year	1,865	1,165
Year before current year	1,496	387
Two years before current year	840	232
Three years before current year	423	182
Four years before current year	237	143
Prior	139	113
Revolver Total at Amortized Cost Basis	0	0
Revolver Total Converted to Term Loans	0	0
Total	5,000	2,222
Lease financing \| Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Current year	1,851	1,158
Year before current year	1,441	364
Two years before current year	809	221
Three years before current year	417	155
Four years before current year	226	137
Prior	131	101
Revolver Total at Amortized Cost Basis	0	0
Revolver Total Converted to Term Loans	0	0
Total	4,875	2,136
Lease financing \| OLEM
Financing Receivable, Credit Quality Indicator [Line Items]
Current year	8	6
Year before current year	32	4
Two years before current year	12	4
Three years before current year	4	6
Four years before current year	2	1
Prior	0	0
Revolver Total at Amortized Cost Basis	0	0
Revolver Total Converted to Term Loans	0	0
Total	58	21
Lease financing \| Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Current year	6	1
Year before current year	23	19
Two years before current year	19	7
Three years before current year	2	21
Four years before current year	9	5
Prior	8	12
Revolver Total at Amortized Cost Basis	0	0
Revolver Total Converted to Term Loans	0	0
Total	67	65
Consumer \| Residential mortgage
Financing Receivable, Credit Quality Indicator [Line Items]
Current year	7,442	4,294
Year before current year	4,906	1,894
Two years before current year	1,491	1,309
Three years before current year	943	1,450
Four years before current year	1,040	1,014
Prior	3,264	2,086
Revolver Total at Amortized Cost Basis	0	1
Revolver Total Converted to Term Loans	0	0
Total	19,086	12,048
Consumer \| Residential mortgage \| 750+
Financing Receivable, Credit Quality Indicator [Line Items]
Current year	5,532	3,269
Year before current year	3,857	1,370
Two years before current year	978	891
Three years before current year	554	1,064
Four years before current year	687	762
Prior	1,704	1,243
Revolver Total at Amortized Cost Basis	0	1
Revolver Total Converted to Term Loans	0	0
Total	13,312	8,600
Consumer \| Residential mortgage \| 650-749
Financing Receivable, Credit Quality Indicator [Line Items]
Current year	1,862	991
Year before current year	993	435
Two years before current year	409	307
Three years before current year	269	278
Four years before current year	254	171
Prior	1,028	495
Revolver Total at Amortized Cost Basis	0	0
Revolver Total Converted to Term Loans	0	0
Total	4,815	2,677
Consumer \| Residential mortgage \| 650
Financing Receivable, Credit Quality Indicator [Line Items]
Current year	48	34
Year before current year	56	89
Two years before current year	104	111
Three years before current year	120	108
Four years before current year	99	81
Prior	532	348
Revolver Total at Amortized Cost Basis	0	0
Revolver Total Converted to Term Loans	0	0
Total	959	771
Consumer \| Automobile
Financing Receivable, Credit Quality Indicator [Line Items]
Current year	5,766	4,947
Year before current year	3,398	3,657
Two years before current year	2,295	2,143
Three years before current year	1,174	1,285
Four years before current year	583	576
Prior	218	170
Revolver Total at Amortized Cost Basis	0	0
Revolver Total Converted to Term Loans	0	0
Total	13,434	12,778
Consumer \| Automobile \| 750+
Financing Receivable, Credit Quality Indicator [Line Items]
Current year	2,993	2,670
Year before current year	1,927	2,013
Two years before current year	1,381	1,144
Three years before current year	666	742
Four years before current year	345	317
Prior	129	81
Revolver Total at Amortized Cost Basis	0	0
Revolver Total Converted to Term Loans	0	0
Total	7,441	6,967
Consumer \| Automobile \| 650-749
Financing Receivable, Credit Quality Indicator [Line Items]
Current year	2,393	1,965
Year before current year	1,237	1,343
Two years before current year	736	755
Three years before current year	380	386
Four years before current year	168	175
Prior	55	52
Revolver Total at Amortized Cost Basis	0	0
Revolver Total Converted to Term Loans	0	0
Total	4,969	4,676
Consumer \| Automobile \| 650
Financing Receivable, Credit Quality Indicator [Line Items]
Current year	380	312
Year before current year	234	301
Two years before current year	178	244
Three years before current year	128	157
Four years before current year	70	84
Prior	34	37
Revolver Total at Amortized Cost Basis	0	0
Revolver Total Converted to Term Loans	0	0
Total	1,024	1,135
Consumer \| Home equity
Financing Receivable, Credit Quality Indicator [Line Items]
Current year	777	941
Year before current year	797	36
Two years before current year	49	35
Three years before current year	45	44
Four years before current year	48	122
Prior	615	678
Revolver Total at Amortized Cost Basis	7,457	6,565
Revolver Total Converted to Term Loans	761	472
Total	10,549	8,893
Consumer \| Home equity \| 750+
Financing Receivable, Credit Quality Indicator [Line Items]
Current year	645	793
Year before current year	701	26
Two years before current year	32	26
Three years before current year	31	32
Four years before current year	34	89
Prior	387	451
Revolver Total at Amortized Cost Basis	4,772	4,373
Revolver Total Converted to Term Loans	272	192
Total	6,874	5,982
Consumer \| Home equity \| 650-749
Financing Receivable, Credit Quality Indicator [Line Items]
Current year	129	147
Year before current year	94	9
Two years before current year	15	8
Three years before current year	13	11
Four years before current year	13	27
Prior	161	157
Revolver Total at Amortized Cost Basis	2,324	1,906
Revolver Total Converted to Term Loans	324	181
Total	3,073	2,446
Consumer \| Home equity \| 650
Financing Receivable, Credit Quality Indicator [Line Items]
Current year	3	1
Year before current year	2	1
Two years before current year	2	1
Three years before current year	1	1
Four years before current year	1	6
Prior	67	70
Revolver Total at Amortized Cost Basis	361	286
Revolver Total Converted to Term Loans	165	99
Total	602	465
Consumer \| RV and marine
Financing Receivable, Credit Quality Indicator [Line Items]
Current year	1,656	1,488
Year before current year	1,217	755
Two years before current year	654	811
Three years before current year	643	495
Four years before current year	392	229
Prior	496	412
Revolver Total at Amortized Cost Basis	0	0
Revolver Total Converted to Term Loans	0	0
Total	5,058	4,190
Consumer \| RV and marine \| 750+
Financing Receivable, Credit Quality Indicator [Line Items]
Current year	1,257	1,136
Year before current year	933	525
Two years before current year	470	589
Three years before current year	468	337
Four years before current year	268	153
Prior	319	254
Revolver Total at Amortized Cost Basis	0	0
Revolver Total Converted to Term Loans	0	0
Total	3,715	2,994
Consumer \| RV and marine \| 650-749
Financing Receivable, Credit Quality Indicator [Line Items]
Current year	393	348
Year before current year	273	215
Two years before current year	171	201
Three years before current year	157	136
Four years before current year	106	64
Prior	150	129
Revolver Total at Amortized Cost Basis	0	0
Revolver Total Converted to Term Loans	0	0
Total	1,250	1,093
Consumer \| RV and marine \| 650
Financing Receivable, Credit Quality Indicator [Line Items]
Current year	6	4
Year before current year	11	15
Two years before current year	13	21
Three years before current year	18	22
Four years before current year	18	12
Prior	27	29
Revolver Total at Amortized Cost Basis	0	0
Revolver Total Converted to Term Loans	0	0
Total	93	103
Consumer \| Other consumer
Financing Receivable, Credit Quality Indicator [Line Items]
Current year	509	107
Year before current year	149	122
Two years before current year	177	46
Three years before current year	63	14
Four years before current year	47	6
Prior	117	18
Revolver Total at Amortized Cost Basis	867	660
Revolver Total Converted to Term Loans	44	60
Total	1,973	1,033
Consumer \| Other consumer \| 750+
Financing Receivable, Credit Quality Indicator [Line Items]
Current year	458	69
Year before current year	125	58
Two years before current year	138	26
Three years before current year	50	8
Four years before current year	38	4
Prior	97	14
Revolver Total at Amortized Cost Basis	546	340
Revolver Total Converted to Term Loans	3	2
Total	1,455	521
Consumer \| Other consumer \| 650-749
Financing Receivable, Credit Quality Indicator [Line Items]
Current year	49	36
Year before current year	22	56
Two years before current year	34	17
Three years before current year	11	5
Four years before current year	9	2
Prior	19	3
Revolver Total at Amortized Cost Basis	294	294
Revolver Total Converted to Term Loans	24	30
Total	462	443
Consumer \| Other consumer \| 650
Financing Receivable, Credit Quality Indicator [Line Items]
Current year	2	2
Year before current year	2	8
Two years before current year	5	3
Three years before current year	2	1
Four years before current year	0	0
Prior	1	1
Revolver Total at Amortized Cost Basis	27	26
Revolver Total Converted to Term Loans	17	28
Total	$ 56	$ 69

LOANS AND LEASES - Credit Quali

LOANS AND LEASES - Credit Quality Indicators (Details) - USD ($) $ in Millions		Dec. 31, 2021	Dec. 31, 2020
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	[1]	$ 111,920	$ 81,608
Commercial portfolio
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases		61,649	42,572
Consumer portfolio
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases		50,271	39,036
Automobile
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases		13,434	12,778
Automobile \| Consumer portfolio
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases		13,434	12,778
Home equity
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases		19,256	12,141
Home equity \| Consumer portfolio
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases		10,550	8,894
RV and marine
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases		5,058	4,190
RV and marine \| Consumer portfolio
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases		$ 5,058	$ 4,190

[1]	Amounts represent loans for which Huntington has elected the fair value option. See Note 19 “ Fair Values of Assets and Liabilities ”.

LOANS AND LEASES - TDRs (Detail

LOANS AND LEASES - TDRs (Details) $ in Millions	12 Months Ended
LOANS AND LEASES - TDRs (Details) $ in Millions	Dec. 31, 2021USD ($)contract	Dec. 31, 2020USD ($)contract
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of Contracts \| contract	3,465	4,996
Post-modification Outstanding Recorded Investment	$ 135	$ 330
Interest rate reduction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Post-modification Outstanding Recorded Investment	30	3
Amortization or maturity date change
Accounts, Notes, Loans and Financing Receivable [Line Items]
Post-modification Outstanding Recorded Investment	86	244
Chapter 7 bankruptcy
Accounts, Notes, Loans and Financing Receivable [Line Items]
Post-modification Outstanding Recorded Investment	18	22
Other
Accounts, Notes, Loans and Financing Receivable [Line Items]
Post-modification Outstanding Recorded Investment	$ 1	$ 61
Commercial portfolio \| Commercial and industrial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of Contracts \| contract	76	317
Post-modification Outstanding Recorded Investment	$ 54	$ 181
Commercial portfolio \| Commercial and industrial \| Interest rate reduction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Post-modification Outstanding Recorded Investment	29	0
Commercial portfolio \| Commercial and industrial \| Amortization or maturity date change
Accounts, Notes, Loans and Financing Receivable [Line Items]
Post-modification Outstanding Recorded Investment	25	123
Commercial portfolio \| Commercial and industrial \| Chapter 7 bankruptcy
Accounts, Notes, Loans and Financing Receivable [Line Items]
Post-modification Outstanding Recorded Investment	0	0
Commercial portfolio \| Commercial and industrial \| Other
Accounts, Notes, Loans and Financing Receivable [Line Items]
Post-modification Outstanding Recorded Investment	$ 0	$ 58
Commercial portfolio \| Commercial real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of Contracts \| contract	5	13
Post-modification Outstanding Recorded Investment	$ 0	$ 3
Commercial portfolio \| Commercial real estate \| Interest rate reduction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Post-modification Outstanding Recorded Investment	0	0
Commercial portfolio \| Commercial real estate \| Amortization or maturity date change
Accounts, Notes, Loans and Financing Receivable [Line Items]
Post-modification Outstanding Recorded Investment	0	3
Commercial portfolio \| Commercial real estate \| Chapter 7 bankruptcy
Accounts, Notes, Loans and Financing Receivable [Line Items]
Post-modification Outstanding Recorded Investment	0	0
Commercial portfolio \| Commercial real estate \| Other
Accounts, Notes, Loans and Financing Receivable [Line Items]
Post-modification Outstanding Recorded Investment	$ 0	$ 0
Consumer portfolio \| Residential Mortgage
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of Contracts \| contract	320	585
Post-modification Outstanding Recorded Investment	$ 11
Consumer portfolio \| Residential Mortgage \| Interest rate reduction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Post-modification Outstanding Recorded Investment	0	$ 0
Consumer portfolio \| Residential Mortgage \| Amortization or maturity date change
Accounts, Notes, Loans and Financing Receivable [Line Items]
Post-modification Outstanding Recorded Investment	39	79
Consumer portfolio \| Residential Mortgage \| Chapter 7 bankruptcy
Accounts, Notes, Loans and Financing Receivable [Line Items]
Post-modification Outstanding Recorded Investment	6	7
Consumer portfolio \| Residential Mortgage \| Other
Accounts, Notes, Loans and Financing Receivable [Line Items]
Post-modification Outstanding Recorded Investment	$ 0	$ 0
Consumer portfolio \| Automobile
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of Contracts \| contract	2,442	3,018
Post-modification Outstanding Recorded Investment	$ 20	$ 35
Consumer portfolio \| Automobile \| Interest rate reduction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Post-modification Outstanding Recorded Investment	0	0
Consumer portfolio \| Automobile \| Amortization or maturity date change
Accounts, Notes, Loans and Financing Receivable [Line Items]
Post-modification Outstanding Recorded Investment	16	29
Consumer portfolio \| Automobile \| Chapter 7 bankruptcy
Accounts, Notes, Loans and Financing Receivable [Line Items]
Post-modification Outstanding Recorded Investment	4	6
Consumer portfolio \| Automobile \| Other
Accounts, Notes, Loans and Financing Receivable [Line Items]
Post-modification Outstanding Recorded Investment	$ 0	$ 0
Consumer portfolio \| Home equity
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of Contracts \| contract	214	273
Post-modification Outstanding Recorded Investment	$ 45
Consumer portfolio \| Home equity \| Interest rate reduction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Post-modification Outstanding Recorded Investment	0	$ 0
Consumer portfolio \| Home equity \| Amortization or maturity date change
Accounts, Notes, Loans and Financing Receivable [Line Items]
Post-modification Outstanding Recorded Investment	4	6
Consumer portfolio \| Home equity \| Chapter 7 bankruptcy
Accounts, Notes, Loans and Financing Receivable [Line Items]
Post-modification Outstanding Recorded Investment	7	8
Consumer portfolio \| Home equity \| Other
Accounts, Notes, Loans and Financing Receivable [Line Items]
Post-modification Outstanding Recorded Investment	$ 0	$ 2
Consumer portfolio \| RV and marine
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of Contracts \| contract	138	168
Post-modification Outstanding Recorded Investment	$ 4	$ 5
Consumer portfolio \| RV and marine \| Interest rate reduction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Post-modification Outstanding Recorded Investment	1	0
Consumer portfolio \| RV and marine \| Amortization or maturity date change
Accounts, Notes, Loans and Financing Receivable [Line Items]
Post-modification Outstanding Recorded Investment	2	4
Consumer portfolio \| RV and marine \| Chapter 7 bankruptcy
Accounts, Notes, Loans and Financing Receivable [Line Items]
Post-modification Outstanding Recorded Investment	1	1
Consumer portfolio \| RV and marine \| Other
Accounts, Notes, Loans and Financing Receivable [Line Items]
Post-modification Outstanding Recorded Investment	$ 0	$ 0
Consumer portfolio \| Other consumer
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of Contracts \| contract	270	622
Post-modification Outstanding Recorded Investment	$ 1	$ 4
Consumer portfolio \| Other consumer \| Interest rate reduction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Post-modification Outstanding Recorded Investment	0	3
Consumer portfolio \| Other consumer \| Amortization or maturity date change
Accounts, Notes, Loans and Financing Receivable [Line Items]
Post-modification Outstanding Recorded Investment	0	0
Consumer portfolio \| Other consumer \| Chapter 7 bankruptcy
Accounts, Notes, Loans and Financing Receivable [Line Items]
Post-modification Outstanding Recorded Investment	0	0
Consumer portfolio \| Other consumer \| Other
Accounts, Notes, Loans and Financing Receivable [Line Items]
Post-modification Outstanding Recorded Investment	$ 1	$ 1

LOANS AND LEASES - Narrative (D

LOANS AND LEASES - Narrative (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Accounts, Notes, Loans and Financing Receivable [Line Items]
Residual values guaranteed	$ 473	$ 93
Future lease rental payments due	4,600
Future lease rental payments due, in 2022	800
Future lease rental payments due, in 2023	700
Future lease rental payments due, in 2024	700
Future lease rental payments due, in 2025	800
Future lease rental payments due, in 2026	700
Future lease rental payments due, after 2026	900
Direct Financing Lease, Interest Income	193	106	$ 108
Interest income under original terms for NAL loans	40	33	26
Interest income recorded for NAL loans	10	6	9
Interest income under original terms for TDR loans	42	46	52
Interest income recorded for TDR loans	39	43	$ 49
Collateral for secured borrowings	$ 61,100	$ 43,000

ALLOWANCE FOR CREDIT LOSSES - A

ALLOWANCE FOR CREDIT LOSSES - Allowance for Credit Losses (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019	Jan. 01, 2020
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Huntington Bancshares Inc shareholders’ equity	$ 19,297	$ 12,993
Financing Receivable, Allowance for Credit Loss [Roll Forward]
ALLL balance, beginning of period	1,814	783	$ 772
Loan and lease charge-offs	(382)	(540)	(362)
Recoveries of loans and leases previously charged-off	167	91	97
Provision for loan and lease losses	(1)	1,089	277
Allowance on PCD loans and leases at acquisition	432
Allowance for loans sold or transferred to loans held for sale			(1)
ALLL balance, end of period	2,030	1,814	783
AULC balance, beginning of period	52	104	96
Provision (benefit) for unfunded lending commitments	26	(41)	10
Unfunded lending commitment losses	(1)	(13)	(2)
Cumulative-effect of change in accounting principle for financial instruments - credit losses	2,030	1,814
AULC balance, end of period	77	52	104
ACL balance, end of period	2,107	1,866	887
Allowance for credit loss, change since adoption	241
Charge-offs recognized upon completion of business acquisition	80
ASU 2016-13
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Cumulative-effect of change in accounting principle for financial instruments - credit losses			391
ASU 2016-13 \| Retained Earnings
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Huntington Bancshares Inc shareholders’ equity				$ 306
Cumulative effect of new accounting principle, deferred taxes				87
Commercial
Financing Receivable, Allowance for Credit Loss [Roll Forward]
ALLL balance, beginning of period	1,236	552	542
Loan and lease charge-offs	(243)	(374)	(165)
Recoveries of loans and leases previously charged-off	83	32	40
Provision for loan and lease losses	12	846	135
Allowance on PCD loans and leases at acquisition	374
Allowance for loans sold or transferred to loans held for sale			0
ALLL balance, end of period	1,462	1,236	552
AULC balance, beginning of period	34	102	94
Provision (benefit) for unfunded lending commitments	8	(17)	10
Unfunded lending commitment losses	(1)	(13)	(2)
AULC balance, end of period	41	34	102
ACL balance, end of period	1,503	1,270	654
Commercial \| ASU 2016-13
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Cumulative-effect of change in accounting principle for financial instruments - credit losses			180
Consumer
Financing Receivable, Allowance for Credit Loss [Roll Forward]
ALLL balance, beginning of period	578	231	230
Loan and lease charge-offs	(139)	(166)	(197)
Recoveries of loans and leases previously charged-off	84	59	57
Provision for loan and lease losses	(13)	243	142
Allowance on PCD loans and leases at acquisition	58
Allowance for loans sold or transferred to loans held for sale			(1)
ALLL balance, end of period	568	578	231
AULC balance, beginning of period	18	2	2
Provision (benefit) for unfunded lending commitments	18	(24)	0
Unfunded lending commitment losses	0	0	0
AULC balance, end of period	36	18	2
ACL balance, end of period	$ 604	$ 596	233
Consumer \| ASU 2016-13
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Cumulative-effect of change in accounting principle for financial instruments - credit losses			211
Cumulative-effect of change in accounting principle, net of tax
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing receivable, allowance for credit loss, including off balance sheet credit loss liability				393
Financing receivable, allowance for credit loss, off balance sheet credit loss liability				2
Cumulative-effect of change in accounting principle, net of tax \| ASU 2016-13
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Cumulative-effect of change in accounting principle for financial instruments - credit losses			2
Cumulative-effect of change in accounting principle, net of tax \| Commercial \| ASU 2016-13
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Cumulative-effect of change in accounting principle for financial instruments - credit losses			(38)
Cumulative-effect of change in accounting principle, net of tax \| Consumer \| ASU 2016-13
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Cumulative-effect of change in accounting principle for financial instruments - credit losses			$ 40
Cumulative Effect Period Of Adoption Adjustment Member [Member] \| Commercial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing receivable, allowance for credit loss, including off balance sheet credit loss liability				(180)
Cumulative Effect Period Of Adoption Adjustment Member [Member] \| Consumer
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing receivable, allowance for credit loss, including off balance sheet credit loss liability				$ (211)

MORTGAGE LOAN SALES AND SERVI_3

MORTGAGE LOAN SALES AND SERVICING RIGHTS - Residential Mortgage Portfolio (Details) - Home equity - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Securitization or Asset-backed Financing Arrangement, Financial Asset for which Transfer is Accounted as Sale [Line Items]
Residential mortgage loans sold with servicing retained	$ 9,702	$ 8,436	$ 4,841
Pretax gains resulting from above loan sales	$ 356	$ 311	$ 119

LOAN SALES AND SECURITIZATIONS

LOAN SALES AND SECURITIZATIONS - Residential Mortgage Portfolio, MSRs Fair Value Method (Details) - Home equity - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Servicing Asset at Fair Value, Amount [Roll Forward]
Fair value, beginning of year	$ 210	$ 7
Servicing assets obtained in acquisition	59	0
New servicing assets created	135	102
Time decay	(15)	(9)
Payoffs	(65)	(43)
Changes in valuation inputs or assumptions	27	(52)
Fair value, end of year	351	210
Revision of Prior Period, Adjustment
Servicing Asset at Fair Value, Amount [Roll Forward]
Fair value, beginning of year	$ 0	205
Fair value, end of year		$ 0
Sensitivity Analysis Fair Value Carrying Method
Servicing Asset at Fair Value, Amount [Roll Forward]
Weighted-average life (years)	7 years	7 years 7 months 6 days

LOAN SALES AND SECURITIZATION_2

LOAN SALES AND SECURITIZATIONS - Residential Mortgage Portfolio, MSRs Fair Value Method Assumptions (Details) - Home equity - Sensitivity Analysis Fair Value Carrying Method - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Sensitivity Analysis of Fair Value of Interests Continued to be Held by Transferor, Servicing Assets or Liabilities, Impact of Adverse Change in Assumption [Line Items]
Constant prepayment rate (annualized)	12.28%	17.36%
Constant prepayment rate (annualized), Decline in fair value due to 10% adverse change	$ (17)	$ (12)
Constant prepayment rate (annualized), Decline in fair value due to 20% adverse change	$ (32)	$ (23)
Spread over forward interest rate swap rates	4.66%	5.19%
Spread over forward interest rate swap rates, Decline in fair value due to 10% adverse change	$ (7)	$ (4)
Spread over forward interest rate swap rates, Decline in fair value due to 20% adverse change	$ (13)	$ (8)

MORTGAGE LOAN SALES AND SERVI_4

MORTGAGE LOAN SALES AND SERVICING RIGHTS - Narrative (Details) - Home equity - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Contractually Specified Servicing Fees, Late Fees, and Ancillary Fees Earned in Exchange for Servicing Financial Assets [Line Items]
Servicing, late and other ancillary fees included in mortgage banking income	$ 79	$ 64	$ 63
Unpaid principal balance of third party serviced loans	$ 31,000	$ 23,500	$ 22,400

GOODWILL AND OTHER INTANGIBLE_3

GOODWILL AND OTHER INTANGIBLE ASSETS - Schedule of Goodwill (Details) $ in Millions	12 Months Ended
	Dec. 31, 2021USD ($)
Goodwill by business segment
Beginning Balance	$ 1,990
Goodwill acquired during the period	3,359
Ending Balance	5,349
Operating Segments \| Consumer & Business Banking
Goodwill by business segment
Beginning Balance	1,393
Goodwill acquired during the period	2,026
Ending Balance	3,419
Operating Segments \| Commercial Banking
Goodwill by business segment
Beginning Balance	427
Goodwill acquired during the period	1,272
Ending Balance	1,699
Operating Segments \| Vehicle Finance
Goodwill by business segment
Beginning Balance	0
Goodwill acquired during the period	0
Ending Balance	0
Operating Segments \| RBHPCG
Goodwill by business segment
Beginning Balance	170
Goodwill acquired during the period	61
Ending Balance	231
Treasury / Other
Goodwill by business segment
Beginning Balance	0
Goodwill acquired during the period	0
Ending Balance	$ 0

GOODWILL AND OTHER INTANGIBLE_4

GOODWILL AND OTHER INTANGIBLE ASSETS - Schedule of Other Intangible Assets (Details) - USD ($) $ in Millions	Dec. 31, 2021	Dec. 31, 2020
Finite-Lived Intangible Assets [Line Items]
Total other intangible assets, gross carrying amount	$ 497	$ 411
Total other intangible assets, accumulated amortization	(255)	(220)
Total other intangible assets, net of carrying value	242	191
Core deposit intangible
Finite-Lived Intangible Assets [Line Items]
Total other intangible assets, gross carrying amount	389	310
Total other intangible assets, accumulated amortization	(175)	(150)
Total other intangible assets, net of carrying value	214	160
Customer relationship
Finite-Lived Intangible Assets [Line Items]
Total other intangible assets, gross carrying amount	108	101
Total other intangible assets, accumulated amortization	(80)	(70)
Total other intangible assets, net of carrying value	$ 28	$ 31

GOODWILL AND OTHER INTANGIBLE_5

GOODWILL AND OTHER INTANGIBLE ASSETS - Future Amortization of Intangible Assets (Details) $ in Millions	Dec. 31, 2021USD ($)
Goodwill and Intangible Assets Disclosure [Abstract]
2022	$ 53
2023	49
2024	45
2025	42
2026	$ 28

GOODWILL AND OTHER INTANGIBLE_6

GOODWILL AND OTHER INTANGIBLE ASSETS - Narrative (Details) $ in Millions	12 Months Ended
	Dec. 31, 2021USD ($)segment	Dec. 31, 2020USD ($)
Business Combinations [Abstract]
Number of reportable segments \| segment	4
Impairment of goodwill \| $	$ 0	$ 0

PREMISES AND EQUIPMENT (Details

PREMISES AND EQUIPMENT (Details) - USD ($) $ in Millions	12 Months Ended
PREMISES AND EQUIPMENT (Details) - USD ($) $ in Millions	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Property, Plant and Equipment, Net, by Type [Abstract]
Total premises and equipment	$ 2,213	$ 1,723
Less accumulated depreciation and amortization	(1,049)	(966)
Net premises and equipment	1,164	757
Property Plant and Equipment Income Statement Disclosures [Abstract]
Total depreciation and amortization of premises and equipment	178	119	$ 116
Rental income credited to net occupancy expense	9	10	$ 11
Land and land improvements
Property, Plant and Equipment, Net, by Type [Abstract]
Total premises and equipment	335	198
Buildings
Property, Plant and Equipment, Net, by Type [Abstract]
Total premises and equipment	807	586
Leasehold improvements
Property, Plant and Equipment, Net, by Type [Abstract]
Total premises and equipment	219	203
Equipment
Property, Plant and Equipment, Net, by Type [Abstract]
Total premises and equipment	$ 852	$ 736

OPERATING LEASES Net Operating

OPERATING LEASES Net Operating Lease Assets and Liabilities (Details) - USD ($) $ in Millions	Dec. 31, 2021	Dec. 31, 2020
Net Operating Lease Assets and Liabilities [Abstract]
Operating Lease, Right-of-Use Asset	$ 316	$ 199
Operating Lease, Right-of-Use Asset, Statement of Financial Position [Extensible Enumeration]	Other assets	Other assets
Total lease liabilities	$ 441	$ 220
Operating Lease, Liability, Statement of Financial Position [Extensible Enumeration]	Other Liabilities	Other Liabilities

OPERATING LEASES Lease Cost (De

OPERATING LEASES Lease Cost (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Lease, Cost [Abstract]
Operating lease cost	$ 104	$ 50
Short-term lease cost	3	1
Sublease income	(2)	(2)
Net lease cost	$ 105	$ 49

OPERATING LEASES Maturity of Le

OPERATING LEASES Maturity of Lease Liabilities (Details) - USD ($) $ in Millions	Dec. 31, 2021	Dec. 31, 2020
Net Operating Lease Assets and Liabilities [Abstract]
2022	$ 64
2023	63
2024	52
2025	43
2026	36
Thereafter	263
Total lease payments	521
Less: Interest	(80)
Total lease liabilities	$ 441	$ 220

OPERATING LEASES Lease Cost and

OPERATING LEASES Lease Cost and Discount Rate (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Net Operating Lease Assets and Liabilities [Abstract]
Cash paid for amounts included in the measurement of lease liabilities for operating cash flows	$ (50)	$ (53)
Right-of-use assets obtained in exchange for lease obligations for operating leases	$ 174	$ 23
Weighted-average remaining lease term (years) for operating leases	11 years 2 months 26 days	7 years 2 months 1 day
Weighted-average discount rate for operating leases	3.87%	4.26%

BORROWINGS - Schedule of Short-

BORROWINGS - Schedule of Short-Term Debt (Details) - USD ($) $ in Millions	Dec. 31, 2021	Dec. 31, 2020
Short-term Debt [Line Items]
Total short-term borrowings	$ 334	$ 183
Federal funds purchased and securities sold under agreements to repurchase
Short-term Debt [Line Items]
Total short-term borrowings	320	71
Other borrowings
Short-term Debt [Line Items]
Total short-term borrowings	$ 14	$ 112

BORROWINGS - Schedule of Long-T

BORROWINGS - Schedule of Long-Term Debt and Debt Issuances (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Debt Instrument [Line Items]
Long-term debt	$ 7,108	$ 8,352
Senior Notes \| 0.79% Huntington National Bank senior notes due 2021
Debt Instrument [Line Items]
Long-term debt	$ 0	298
Effective rate	0.79%
Senior Notes \| 3.33% Huntington National Bank senior notes due 2021
Debt Instrument [Line Items]
Long-term debt	$ 0	752
Effective rate	3.33%
Senior Notes \| 2.55% Huntington National Bank senior notes due 2022
Debt Instrument [Line Items]
Long-term debt	$ 703	710
Effective rate	2.55%
Senior Notes \| 3.16% Huntington National Bank senior notes due 2022
Debt Instrument [Line Items]
Long-term debt	$ 500	511
Effective rate	3.16%
Senior Notes \| 1.83% Huntington National Bank senior notes due 2023
Debt Instrument [Line Items]
Long-term debt	$ 483	489
Effective rate	1.83%
Senior Notes \| 3.60% Huntington National Bank senior notes due 2023
Debt Instrument [Line Items]
Long-term debt	$ 748	773
Effective rate	3.60%
Subordinated Notes
Debt Instrument [Line Items]
Long-term debt	$ 3,245	3,766
Subordinated Notes \| Huntington National Bank subordinated notes due 2022
Debt Instrument [Line Items]
Long-term debt	$ 113	0
Effective rate	0.64%
Subordinated Notes \| Huntington National Bank subordinated notes due 2025
Debt Instrument [Line Items]
Long-term debt	$ 142	0
Effective rate	0.96%
Subordinated Notes \| 3.86% Huntington National Bank subordinated notes due 2026
Debt Instrument [Line Items]
Long-term debt	$ 226	233
Effective rate	3.86%
Subordinated Notes \| Huntington National Bank subordinated notes due 2029
Debt Instrument [Line Items]
Long-term debt	$ 161	0
Effective rate	3.03%
Subordinated Notes \| Huntington National Bank subordinated notes due 2030
Debt Instrument [Line Items]
Long-term debt	$ 169	0
Effective rate	3.75%
Federal Home Loan Bank advances
Debt Instrument [Line Items]
Long-term debt	$ 215	3
Effective rate	1.04%
Other borrowings \| Huntington Technology Finance nonrecourse debt, 3.15% weighted average interest rate, varying maturities
Debt Instrument [Line Items]
Long-term debt	$ 287	266
Effective rate	3.15%
Other borrowings \| 2.12% Huntington Preferred Capital II - Class F securities
Debt Instrument [Line Items]
Long-term debt	$ 75	75
Effective rate	2.09%
Other borrowings \| 2.12% Huntington Preferred Capital II - Class G securities
Debt Instrument [Line Items]
Long-term debt	$ 50	50
Effective rate	2.09%
Other borrowings \| 2.24% Huntington Preferred Capital II - Class I securities
Debt Instrument [Line Items]
Long-term debt	$ 50	50
Effective rate	2.21%
Other borrowings \| 2.65% Huntington Preferred Capital II - Class J Securities
Debt Instrument [Line Items]
Long-term debt	$ 75	0
Parent Company
Debt Instrument [Line Items]
Long-term debt	3,111	4,142
Parent Company \| Senior Notes \| 3.19% Huntington Bancshares Incorporated medium-term notes due 2021
Debt Instrument [Line Items]
Long-term debt	$ 0	802
Effective rate	3.19%
Parent Company \| Senior Notes \| 2.33% Huntington Bancshares Incorporated senior notes due 2022
Debt Instrument [Line Items]
Long-term debt	$ 0	699
Effective rate	2.33%
Parent Company \| Senior Notes \| 2.67% Huntington Bancshares Incorporated senior notes due 2024
Debt Instrument [Line Items]
Long-term debt	$ 812	838
Effective rate	2.67%
Parent Company \| Senior Notes \| 4.05% Huntington Bancshares Incorporated senior notes due 2025
Debt Instrument [Line Items]
Long-term debt	$ 527	553
Effective rate	4.05%
Parent Company \| Senior Notes \| 2.60% Huntington Bancshares Incorporated senior notes due 2030
Debt Instrument [Line Items]
Long-term debt	$ 744	743
Effective rate	2.60%
Parent Company \| Subordinated Notes \| 3.55% Huntington Bancshares Incorporated subordinated notes due 2023
Debt Instrument [Line Items]
Long-term debt	$ 227	256
Effective rate	3.55%
Parent Company \| Subordinated Notes \| Huntington Capital I Trust Preferred 0.94% junior subordinated debentures due 2027
Debt Instrument [Line Items]
Long-term debt	$ 69	69
Effective rate	0.91%
Parent Company \| Subordinated Notes \| Huntington Capital II Trust Preferred 0.86% junior subordinated debentures due 2028
Debt Instrument [Line Items]
Long-term debt	$ 32	32
Effective rate	0.83%
Parent Company \| Subordinated Notes \| Sky Financial Capital Trust III 1.64% junior subordinated debentures due 2036
Debt Instrument [Line Items]
Long-term debt	$ 72	72
Effective rate	1.61%
Parent Company \| Subordinated Notes \| Sky Financial Capital Trust IV 1.64% junior subordinated debentures due 2036
Debt Instrument [Line Items]
Long-term debt	$ 74	74
Effective rate	1.61%
Parent Company \| Subordinated Notes \| Huntington Bancshares Incorporated subordinated notes due 2036
Debt Instrument [Line Items]
Long-term debt	$ 554	0
Effective rate	2.54%
Parent Company \| Subordinated Notes \| Camco Financial Statutory Trust I 1.57% due 2037
Debt Instrument [Line Items]
Long-term debt	$ 0	$ 4
Effective rate	1.57%
Parent Company \| Subordinated Notes \| London Interbank Offered Rate (LIBOR) \| Huntington Capital I Trust Preferred 0.94% junior subordinated debentures due 2027
Debt Instrument [Line Items]
Basis spread on variable rate	0.70%
Parent Company \| Subordinated Notes \| London Interbank Offered Rate (LIBOR) \| Huntington Capital II Trust Preferred 0.86% junior subordinated debentures due 2028
Debt Instrument [Line Items]
Basis spread on variable rate	0.625%
Parent Company \| Subordinated Notes \| London Interbank Offered Rate (LIBOR) \| Sky Financial Capital Trust IV 1.64% junior subordinated debentures due 2036
Debt Instrument [Line Items]
Basis spread on variable rate	1.40%
Parent Company \| Subordinated Notes \| London Interbank Offered Rate (LIBOR) \| 2.12% Huntington Preferred Capital II - Class F securities
Debt Instrument [Line Items]
Basis spread on variable rate	1.88%
Parent Company \| Subordinated Notes \| London Interbank Offered Rate (LIBOR) \| 2.24% Huntington Preferred Capital II - Class I securities
Debt Instrument [Line Items]
Basis spread on variable rate	2.00%
Parent Company \| Subordinated Notes \| Secured Overnight Financing Rate (SOFR) Overnight Index Swap Rate \| 2.65% Huntington Preferred Capital II - Class J Securities
Debt Instrument [Line Items]
Basis spread on variable rate	2.60%

BORROWINGS - Maturities (Detail

BORROWINGS - Maturities (Details) $ in Millions	Dec. 31, 2021USD ($)
Long-term Debt, Fiscal Year Maturity [Abstract]
2022	$ 1,415
2023	1,556
2024	916
2025	887
2026	366
Thereafter	1,863
Total	7,003
Parent Company \| Senior Notes
Long-term Debt, Fiscal Year Maturity [Abstract]
2022	0
2023	0
2024	800
2025	500
2026	0
Thereafter	750
Total	2,050
Parent Company \| Subordinated Notes
Long-term Debt, Fiscal Year Maturity [Abstract]
2022	0
2023	225
2024	0
2025	0
2026	0
Thereafter	809
Total	1,034
Bank \| Senior Notes
Long-term Debt, Fiscal Year Maturity [Abstract]
2022	1,198
2023	1,202
2024	0
2025	0
2026	0
Thereafter	0
Total	2,400
Bank \| Subordinated Notes
Long-term Debt, Fiscal Year Maturity [Abstract]
2022	110
2023	0
2024	0
2025	130
2026	239
Thereafter	300
Total	779
Bank \| Federal Home Loan Bank advances
Long-term Debt, Fiscal Year Maturity [Abstract]
2022	1
2023	1
2024	0
2025	200
2026	0
Thereafter	1
Total	203
Bank \| Other borrowings
Long-term Debt, Fiscal Year Maturity [Abstract]
2022	106
2023	128
2024	116
2025	57
2026	127
Thereafter	3
Total	$ 537

OTHER COMPREHENSIVE INCOME - Ac

OTHER COMPREHENSIVE INCOME - Activity/Roll Forward (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Pretax
Total other comprehensive income (loss), pretax	$ (551)	$ 576	$ 448
Tax (Expense) Benefit
Total other comprehensive income	130	(128)	(95)
After-tax
Net change in unrealized holding gains (losses) on available-for-sale debt/equity securities	(341)	216	335
Foreign currency translation adjustment	(475)	417	337
Net unrealized gains (losses) on net investment hedges	54	31	16
Period change	(421)	448	353
Other comprehensive (loss) income, net of tax	(421)	448	353
AOCI, Derivative Qualifying as Hedge, Excluded Component, Parent
Pretax
Total other comprehensive income (loss), pretax	(144)	302	26
Tax (Expense) Benefit
Total other comprehensive income	39	(68)	(3)
After-tax
Other comprehensive (loss) income, net of tax	(105)	234	23
Accumulated Foreign Currency Adjustment Attributable to Parent
Pretax
Foreign currency translation adjustment	(12)
Net unrealized gains (losses) on net investment hedges	9
Translation adjustments, net of hedges	(3)
Tax (Expense) Benefit
Reclassification from AOCI, Current Period, Tax	0
Foreign currency translation adjustment	0
After-tax
Foreign currency translation adjustment	(12)
Net unrealized gains (losses) on net investment hedges	9
Period change	(3)
Unrealized (losses) gains for pension and other post-retirement obligations
Pretax
Total other comprehensive income (loss), pretax	36	(3)	(7)
Tax (Expense) Benefit
Total other comprehensive income	(8)	1	2
After-tax
Foreign currency translation adjustment	0	0	0
Net unrealized gains (losses) on net investment hedges	28	(2)	(5)
Period change	28	(2)	(5)
Other comprehensive (loss) income, net of tax	28	(2)	(5)
Debt securities
Pretax
Net change in unrealized holding gains (losses) on available-for-sale debt/equity securities	(440)	277	429
Tax (Expense) Benefit
Net change in unrealized holding gains (losses) on available-for-sale debt/equity securities	99	(61)	(94)
After-tax
Net change in unrealized holding gains (losses) on available-for-sale debt/equity securities	(341)	216	335
Debt securities \| AOCI, Accumulated Gain (Loss), Debt Securities, Available-for-sale, Parent
Pretax
Unrealized (losses) gains on available-for-sale securities arising during the period	(474)	235	403
Less: Reclassification adjustment for realized net losses (gains) included in net income	34	42	26
Tax (Expense) Benefit
Other Comprehensive Income (Loss) before Reclassifications, Tax	107	(52)	(89)
Reclassification from AOCI, Current Period, Tax	(8)	(9)	(5)
After-tax
Unrealized (losses) gains on available-for-sale securities arising during the period	(367)	183	314
Less: Reclassification adjustment for realized net losses (gains) included in net income	26	33	21
Foreign currency translation adjustment	(367)	183	314
Net unrealized gains (losses) on net investment hedges	26	33	21
Period change	$ (341)	$ 216	$ 335

OTHER COMPREHENSIVE INCOME - AO

OTHER COMPREHENSIVE INCOME - AOCI Roll Forward (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Beginning balance	$ 12,993
Other comprehensive income before reclassifications	(475)	$ 417	$ 337
Amounts reclassified from accumulated OCI to earnings	54	31	16
Period change	(421)	448	353
Ending balance	19,297	12,993
Transferred from AFS to HTM	(35)	(69)	(121)
AOCI attributable to parent
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Beginning balance	192	(256)	(609)
Ending balance	(229)	192	(256)
Unrealized gains and (losses) on securities \| Debt securities
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Beginning balance	188	(28)	(363)
Other comprehensive income before reclassifications	(367)	183	314
Amounts reclassified from accumulated OCI to earnings	26	33	21
Period change	(341)	216	335
Ending balance	(153)	188	(28)
Change in fair value related to cash flow hedges
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Beginning balance	257	23	0
Other comprehensive income before reclassifications	(105)	234	23
Amounts reclassified from accumulated OCI to earnings	0	0	0
Period change	(105)	234	23
Ending balance	152	257	23
Translation adjustments, net of hedges
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Beginning balance	0	0	0
Other comprehensive income before reclassifications	(3)	0	0
Amounts reclassified from accumulated OCI to earnings	0	0	0
Period change	(3)	0	0
Ending balance	(3)	0	0
Unrealized (losses) gains for pension and other post-retirement obligations
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Beginning balance	(253)	(251)	(246)
Other comprehensive income before reclassifications	0	0	0
Amounts reclassified from accumulated OCI to earnings	28	(2)	(5)
Period change	28	(2)	(5)
Ending balance	$ (225)	$ (253)	$ (251)

SHAREHOLDERS' EQUITY (Details)

SHAREHOLDERS' EQUITY (Details) $ / shares in Units, $ in Millions	Oct. 15, 2021$ / sharesRateshares	Jul. 15, 2021$ / sharesRateshares	Jun. 09, 2021$ / shares	Jun. 09, 2021$ / sharesRate	Feb. 02, 2021USD ($)$ / sharesshares	Dec. 31, 2021USD ($)$ / sharesRateshares	Dec. 31, 2020USD ($)$ / sharesshares	Dec. 31, 2019USD ($)$ / shares
Class of Stock [Line Items]
Shares Outstanding \| shares						557,500	750,500
Carrying Amount						$ 2,167	$ 2,191
Preferred stock						2,167	2,191
Amount						$ (131)	(100)	$ (74)
Red Iron
Class of Stock [Line Items]
Ownership interest of parent						55.00%
Ownership interest of non-controlling owners						45.00%
Retained Earnings
Class of Stock [Line Items]
Amount						$ (131)	(100)	$ (74)
Series B
Class of Stock [Line Items]
Shares Outstanding \| shares						35,500
Carrying Amount						$ 23	$ 23
Preferred Stock, Redemption Date						Jan. 15, 2017
Series B \| London Interbank Offered Rate (LIBOR)
Class of Stock [Line Items]
Preferred stock, dividend rate percentage						2.70%
Series B \| Retained Earnings
Class of Stock [Line Items]
Cash Dividend Declared Per Share \| $ / shares						$ 28.69	$ 35.91	$ 51.22
Amount						$ (1)	$ (1)	$ (2)
Series D
Class of Stock [Line Items]
Shares Outstanding \| shares						0
Carrying Amount						$ 0	386
Preferred stock, dividend rate percentage \| Rate						6.25%
Series D
Class of Stock [Line Items]
Shares Outstanding \| shares						0
Carrying Amount						$ 0	199
Preferred stock, dividend rate percentage \| Rate						6.25%
Series C
Class of Stock [Line Items]
Shares Outstanding \| shares						0
Carrying Amount						$ 0	$ 100
Stock redeemed (in shares) \| shares	100,000,000
Preferred stock, dividend rate percentage \| Rate	5.875%					5.875%
Preferred stock par value (in USD per share) \| $ / shares	$ 0.01
Series C \| TCF Financial Corporation
Class of Stock [Line Items]
Preferred stock, dividend rate percentage			5.70%	5.70%
Series C \| Retained Earnings
Class of Stock [Line Items]
Cash Dividend Declared Per Share \| $ / shares						$ 44.07	$ 58.76	$ 58.76
Amount						$ (4)	$ (6)	$ (6)
Series E (3)
Class of Stock [Line Items]
Shares Outstanding \| shares						5,000
Carrying Amount						$ 495	$ 495
Preferred stock, dividend rate percentage \| Rate						5.70%
Preferred Stock, Redemption Date						Apr. 15, 2023
Preferred stock, liquidation preference per share (in dollars per share) \| $ / shares						$ 100,000
Series E (3) \| Retained Earnings
Class of Stock [Line Items]
Cash Dividend Declared Per Share \| $ / shares						$ 5,700	$ 5,700	$ 5,700
Amount						$ (29)	$ (29)	$ (29)
Series F (3)
Class of Stock [Line Items]
Shares Outstanding \| shares						5,000
Carrying Amount						$ 494	$ 494
Preferred stock, dividend rate percentage \| Rate						5.625%
Preferred Stock, Redemption Date						Jul. 15, 2030
Depository share, percent interest in preferred stock						0.01
Series F (3) \| Retained Earnings
Class of Stock [Line Items]
Cash Dividend Declared Per Share \| $ / shares						$ 5,625	$ 3,468.75
Amount						$ (28)
Series G (3)
Class of Stock [Line Items]
Shares Outstanding \| shares						5,000
Carrying Amount						$ 494	$ 494
Preferred stock, dividend rate percentage \| Rate						4.45%
Preferred Stock, Redemption Date						Oct. 15, 2027
Depository share, percent interest in preferred stock						0.01
Series G (3) \| Retained Earnings
Class of Stock [Line Items]
Cash Dividend Declared Per Share \| $ / shares						$ 4,450	$ 1,915.97
Amount						$ (23)
Series H Preferred Stock
Class of Stock [Line Items]
Shares Outstanding \| shares						500,000
Carrying Amount						$ 486	$ 0
Preferred stock, dividend rate percentage					4.50%	4.50%
Preferred Stock, Redemption Date						Apr. 15, 2026
Preferred stock, liquidation preference per share (in dollars per share) \| $ / shares					$ 1,000
Preferred stock					$ 500
Depositary shares issued (in shares) \| shares					20,000,000
Preferred stock par value (in USD per share) \| $ / shares					$ 10,000
Stock issuance costs					$ 16
Depositary shares, liquidation preference (in USD per share) \| $ / shares					$ 25
Depository share, percent interest in preferred stock						0.025
Series H Preferred Stock \| Retained Earnings
Class of Stock [Line Items]
Cash Dividend Declared Per Share \| $ / shares						$ 42
Amount						$ (21)	(17)
Series I Preferred Stock
Class of Stock [Line Items]
Shares Outstanding \| shares						7,000
Carrying Amount						$ 175	0
Preferred stock, dividend rate percentage \| Rate				5.70%		5.70%
Preferred Stock, Redemption Date						Dec. 1, 2022
Preferred stock par value (in USD per share) \| $ / shares			$ 0.01	$ 0.01
Series I Preferred Stock \| Retained Earnings
Class of Stock [Line Items]
Cash Dividend Declared Per Share \| $ / shares						$ 1,068.75
Amount						$ (7)	$ (10)
Series D Preferred Stock
Class of Stock [Line Items]
Stock redeemed (in shares) \| shares		600,000,000
Preferred stock, dividend rate percentage \| Rate		6.25%
Preferred stock par value (in USD per share) \| $ / shares		$ 0.01
Series D Preferred Stock \| Retained Earnings
Class of Stock [Line Items]
Cash Dividend Declared Per Share \| $ / shares						$ 31.25	$ 62.50	$ 62.50
Amount						$ (18)	$ (37)	$ (37)
Preferred Stock
Class of Stock [Line Items]
Preferred stock, liquidation preference per share (in dollars per share) \| $ / shares						$ 1,000

SHAREHOLDERS' EQUITY - Share Re

SHAREHOLDERS' EQUITY - Share Repurchase Program (Details) - USD ($) $ / shares in Units, shares in Millions, $ in Millions	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Equity [Abstract]
Stock Repurchase Program, Authorized Amount	$ 800
Stock Repurchased and Retired During Period, Value	$ 650	$ 92	$ 441
Stock Repurchased and Retired During Period, Shares	43.1
Treasury Stock Acquired, Average Cost Per Share	$ 15.07

EARNINGS PER SHARE (Details)

EARNINGS PER SHARE (Details) - USD ($) $ / shares in Units, shares in Thousands, $ in Millions	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Basic earnings per common share:
Net income attributable to Huntington Bancshares Inc	$ 1,295	$ 817	$ 1,411
Dividends on preferred shares	131	100	74
Impact of preferred stock redemption	11	0	0
Net income available to common shares	$ 1,153	$ 717	$ 1,337
Average common shares issued and outstanding	1,262,435	1,017,117	1,038,840
Basic earnings per common share (in USD per share)	$ 0.91	$ 0.71	$ 1.29
Dilutive potential common shares
Stock options and restricted stock units and awards (in shares)	18,185	10,613	12,994
Shares held in deferred compensation plans (in shares)	6,113	4,953	4,245
Dilutive potential common shares: (in shares)	24,298	15,566	17,239
Total diluted average common shares issued and outstanding (in shares)	1,286,733	1,032,683	1,056,079
Diluted earnings per common share (in USD per share)	$ 0.90	$ 0.69	$ 1.27
Stock Option
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Options outstanding to purchase common stock shares having antidilutive effect (in shares)	2,674	9,760	5,253

NONINTEREST INCOME - Summary of

NONINTEREST INCOME - Summary of Noninterest Income (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Revenue from Contract with Customer [Abstract]
Noninterest income from contracts with customers	$ 1,113	$ 884	$ 939
Noninterest income within the scope of other GAAP topics	776	707	515
Total noninterest income	$ 1,889	$ 1,591	$ 1,454

NONINTEREST INCOME - Disaggrega

NONINTEREST INCOME - Disaggregation by Segment (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Disaggregation of Revenue [Line Items]
Net revenue from contracts with customers	$ 1,113	$ 884	$ 939
Noninterest income within the scope of other GAAP topics	776	707	515
Noninterest income	1,889	1,591	1,454
Service charges on deposit accounts
Disaggregation of Revenue [Line Items]
Net revenue from contracts with customers	372	301	372
Cards and payment processing income
Disaggregation of Revenue [Line Items]
Net revenue from contracts with customers	311	236	233
Trust and investment management services
Disaggregation of Revenue [Line Items]
Net revenue from contracts with customers	232	189	178
Insurance income
Disaggregation of Revenue [Line Items]
Net revenue from contracts with customers	105	97	88
Other income
Disaggregation of Revenue [Line Items]
Net revenue from contracts with customers	93	61	68
Operating Segments \| Commercial Banking
Disaggregation of Revenue [Line Items]
Net revenue from contracts with customers	159	123	113
Noninterest income within the scope of other GAAP topics	364	241	246
Noninterest income	523	364	359
Operating Segments \| Commercial Banking \| Service charges on deposit accounts
Disaggregation of Revenue [Line Items]
Net revenue from contracts with customers	85	74	64
Operating Segments \| Commercial Banking \| Cards and payment processing income
Disaggregation of Revenue [Line Items]
Net revenue from contracts with customers	19	15	15
Operating Segments \| Commercial Banking \| Trust and investment management services
Disaggregation of Revenue [Line Items]
Net revenue from contracts with customers	3	5	4
Operating Segments \| Commercial Banking \| Insurance income
Disaggregation of Revenue [Line Items]
Net revenue from contracts with customers	7	7	6
Operating Segments \| Commercial Banking \| Other income
Disaggregation of Revenue [Line Items]
Net revenue from contracts with customers	45	22	24
Operating Segments \| Consumer & Business Banking
Disaggregation of Revenue [Line Items]
Net revenue from contracts with customers	707	551	615
Noninterest income within the scope of other GAAP topics	338	394	210
Noninterest income	1,045	945	825
Operating Segments \| Consumer & Business Banking \| Service charges on deposit accounts
Disaggregation of Revenue [Line Items]
Net revenue from contracts with customers	278	217	297
Operating Segments \| Consumer & Business Banking \| Cards and payment processing income
Disaggregation of Revenue [Line Items]
Net revenue from contracts with customers	292	221	218
Operating Segments \| Consumer & Business Banking \| Trust and investment management services
Disaggregation of Revenue [Line Items]
Net revenue from contracts with customers	63	44	34
Operating Segments \| Consumer & Business Banking \| Insurance income
Disaggregation of Revenue [Line Items]
Net revenue from contracts with customers	48	43	34
Operating Segments \| Consumer & Business Banking \| Other income
Disaggregation of Revenue [Line Items]
Net revenue from contracts with customers	26	26	32
Operating Segments \| Vehicle Finance
Disaggregation of Revenue [Line Items]
Net revenue from contracts with customers	9	8	11
Noninterest income within the scope of other GAAP topics	4	1	1
Noninterest income	13	9	12
Operating Segments \| Vehicle Finance \| Service charges on deposit accounts
Disaggregation of Revenue [Line Items]
Net revenue from contracts with customers	6	6	7
Operating Segments \| Vehicle Finance \| Cards and payment processing income
Disaggregation of Revenue [Line Items]
Net revenue from contracts with customers	0	0	0
Operating Segments \| Vehicle Finance \| Trust and investment management services
Disaggregation of Revenue [Line Items]
Net revenue from contracts with customers	0	0	0
Operating Segments \| Vehicle Finance \| Insurance income
Disaggregation of Revenue [Line Items]
Net revenue from contracts with customers	0	0	0
Operating Segments \| Vehicle Finance \| Other income
Disaggregation of Revenue [Line Items]
Net revenue from contracts with customers	3	2	4
Operating Segments \| RBHPCG
Disaggregation of Revenue [Line Items]
Net revenue from contracts with customers	226	201	196
Noninterest income within the scope of other GAAP topics	1	0	2
Noninterest income	227	201	198
Operating Segments \| RBHPCG \| Service charges on deposit accounts
Disaggregation of Revenue [Line Items]
Net revenue from contracts with customers	3	4	4
Operating Segments \| RBHPCG \| Cards and payment processing income
Disaggregation of Revenue [Line Items]
Net revenue from contracts with customers	0	0	0
Operating Segments \| RBHPCG \| Trust and investment management services
Disaggregation of Revenue [Line Items]
Net revenue from contracts with customers	166	140	139
Operating Segments \| RBHPCG \| Insurance income
Disaggregation of Revenue [Line Items]
Net revenue from contracts with customers	49	46	47
Operating Segments \| RBHPCG \| Other income
Disaggregation of Revenue [Line Items]
Net revenue from contracts with customers	8	11	6
Treasury / Other
Disaggregation of Revenue [Line Items]
Net revenue from contracts with customers	12	1	4
Noninterest income within the scope of other GAAP topics	69	71	56
Noninterest income	81	72	60
Treasury / Other \| Service charges on deposit accounts
Disaggregation of Revenue [Line Items]
Net revenue from contracts with customers	0	0	0
Treasury / Other \| Cards and payment processing income
Disaggregation of Revenue [Line Items]
Net revenue from contracts with customers	0	0	0
Treasury / Other \| Trust and investment management services
Disaggregation of Revenue [Line Items]
Net revenue from contracts with customers	0	0	1
Treasury / Other \| Insurance income
Disaggregation of Revenue [Line Items]
Net revenue from contracts with customers	1	1	1
Treasury / Other \| Other income
Disaggregation of Revenue [Line Items]
Net revenue from contracts with customers	$ 11	$ 0	$ 2

SHARE-BASED COMPENSATION - Narr

SHARE-BASED COMPENSATION - Narrative (Details) - USD ($) $ / shares in Units, shares in Millions, $ in Millions	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Additional shares authorized (in shares)	30
Shares authorized (in shares)	63
Shares available for grant	31
Tax benefit realized from exercise of options	$ 2	$ 1	$ 3
Granted (in USD per share)	$ 15.78	$ 8.90	$ 13.91
Total fair value of awards vested	$ 135	$ 86	$ 69
Stock Option
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award vesting period	4 years
Total intrinsic value of options exercised	$ 10	6	16
Cash received for exercises of stock options	2	$ 1	$ 2
Total unrecognized compensation cost related to nonvested awards	$ 118
Cost not yet recognized period for recognition	2 years 3 months 18 days
TCF options
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award vesting period	5 years
Awards expiration period	10 years
Performance Share Units
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award vesting period	3 years
Granted (in USD per share)	$ 16.08

SHARE-BASED COMPENSATION - Shar

SHARE-BASED COMPENSATION - Share-Based Compensation Expense (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Share-based Payment Arrangement [Abstract]
Share-based compensation expense	$ 138	$ 77	$ 83
Tax benefit	$ 22	$ 13	$ 15

SHARE-BASED COMPENSATION - Sche

SHARE-BASED COMPENSATION - Schedule of Assumptions (Details) - $ / shares	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Assumptions
Risk-free interest rate	1.25%	0.48%	2.41%
Expected dividend yield	3.74%	6.98%	4.36%
Expected volatility of Huntington’s common stock	36.80%	39.70%	22.50%
Expected option term (years)	6 years 6 months	6 years 6 months	6 years 6 months
Weighted-average grant date fair value per share	$ 3.93	$ 1.49	$ 1.91

SHARE-BASED COMPENSATION - Sc_2

SHARE-BASED COMPENSATION - Schedule of Stock Option Activity (Details) $ / shares in Units, shares in Thousands, $ in Millions	12 Months Ended
	Dec. 31, 2021USD ($)$ / sharesshares
Options (in shares):
Outstanding at beginning of period (in shares)	14,152
Granted (in shares)	1,883
Assumed (in shares)	844
Exercised (in shares)	(1,850)
Forfeited/expired (in shares)	(563)
Outstanding at end of period (in shares)	14,466
Expected to vest at end of period (in shares)	6,795
Exercisable at end of period (in shares)	7,531
Weighted- Average Exercise Price (USD per share):
Outstanding at beginning of period (USD per share) \| $ / shares	$ 11.55
Granted (USD per share) \| $ / shares	16.04
Assumptions (USD per share) \| $ / shares	12.02
Exercised (USD per share) \| $ / shares	10.36
Forfeited/expired (USD per share) \| $ / shares	11.01
Outstanding at end of period (USD per share) \| $ / shares	12.34
Vested and expected to vest (USD per share) \| $ / shares	12.23
Exercisable (USD per share) \| $ / shares	$ 12.43
Weighted-Average Remaining Contractual Life (Years)/Aggregate Intrinsic Value
Outstanding, weighted-average remaining contractual life (years)	6 years 10 months 24 days
Expected to vest, weighted-average remaining contractual period (years)	5 years 8 months 12 days
Exercisable, weighted-average remaining contractual term (years)	8 years 2 months 12 days
Outstanding aggregate intrinsic value \| $	$ 46
Expected to vest, aggregate intrinsic value \| $	23
Exercisable, aggregate intrinsic value \| $	$ 23
Expected to be forfeited (in shares)	140

SHARE-BASED COMPENSATION - Rest

SHARE-BASED COMPENSATION - Restricted Stock, RSUs, Performance Shares (Details) - $ / shares shares in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Weighted-Average Grant Date Fair Value Per Share (USD per share):
Granted (in USD per share)	$ 15.78	$ 8.90	$ 13.91
Restricted Stock Awards
Shares:
Nonvested at beginning of period (in shares)	0
Granted (in shares)	0
Assumed (in shares)	690
Vested (in shares)	(321)
Forfeited (in shares)	(13)
Nonvested at end of period (in shares)	356	0
Weighted-Average Grant Date Fair Value Per Share (USD per share):
Nonvested at beginning of period (in USD per share)	$ 0
Granted (in USD per share)	0
Assumed (in USD per share)	14.54
Vested (in USD per share)	14.63
Forfeited (in USD per share)	14.45
Nonvested at end of period (in USD per share)	$ 14.46	$ 0
Restricted Stock Units
Shares:
Nonvested at beginning of period (in shares)	16,652
Granted (in shares)	4,422
Assumed (in shares)	6,691
Vested (in shares)	(7,686)
Forfeited (in shares)	(981)
Nonvested at end of period (in shares)	19,098	16,652
Weighted-Average Grant Date Fair Value Per Share (USD per share):
Nonvested at beginning of period (in USD per share)	$ 12.05
Granted (in USD per share)	15.71
Assumed (in USD per share)	14.72
Vested (in USD per share)	14.41
Forfeited (in USD per share)	12.72
Nonvested at end of period (in USD per share)	$ 12.85	$ 12.05
Performance Share Units
Shares:
Nonvested at beginning of period (in shares)	3,275
Granted (in shares)	1,405
Assumed (in shares)	0
Vested (in shares)	(1,340)
Forfeited (in shares)	(214)
Nonvested at end of period (in shares)	3,126	3,275
Weighted-Average Grant Date Fair Value Per Share (USD per share):
Nonvested at beginning of period (in USD per share)	$ 11.74
Granted (in USD per share)	16.08
Assumed (in USD per share)	0
Vested (in USD per share)	14.76
Forfeited (in USD per share)	11.42
Nonvested at end of period (in USD per share)	$ 12.06	$ 11.74

BENEFIT PLANS - Narrative (Deta

BENEFIT PLANS - Narrative (Details) - USD ($) $ in Millions	12 Months Ended
BENEFIT PLANS - Narrative (Details) - USD ($) $ in Millions	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Defined Benefit Plan Disclosure [Line Items]
Employer Contributions	$ 0
Average duration of plan assets investment in bonds, years	13 years 8 months 12 days
Estimated life of benefit obligations	12 years 10 months 24 days
Defined Contribution Plan, Cost	$ 70	$ 47	$ 51
Cash and cash equivalents
Defined Benefit Plan Disclosure [Line Items]
Actual plan asset allocations	5.00%
Equity securities
Defined Benefit Plan Disclosure [Line Items]
Actual plan asset allocations	18.00%
Bonds
Defined Benefit Plan Disclosure [Line Items]
Actual plan asset allocations	77.00%
Pension Benefits
Defined Benefit Plan Disclosure [Line Items]
Accumulated benefit obligations in excess of plan assets, aggregate projected benefit obligation	$ 51
Pension Benefits \| Equity securities
Defined Benefit Plan Disclosure [Line Items]
Defined Benefit Plan, Plan Assets, Target Allocation, Percentage	20.00%
Pension Benefits \| Bonds
Defined Benefit Plan Disclosure [Line Items]
Defined Benefit Plan, Plan Assets, Target Allocation, Percentage	80.00%

BENEFIT PLANS - Weighted Averag

BENEFIT PLANS - Weighted Average Assumptions (Details) - Pension Benefits	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Weighted-average assumptions used to determine benefit obligations
Discount rate	2.86%	2.50%
Weighted-average assumptions used to determine net periodic benefit cost
Discount rate	2.50%	3.40%
Expected return on plan assets	4.50%	5.00%

BENEFIT PLANS - Projected Benef

BENEFIT PLANS - Projected Benefit Obligation (Details) - Pension Benefits - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Change in Benefit Obligation [Roll Forward]
Projected benefit obligation at beginning of measurement year	$ 1,026	$ 923
Service cost	3	3	$ 2
Interest cost	19	26	32
Benefits paid	(30)	(29)
Settlements	(25)	(19)
Actuarial assumptions and gains (losses)	(37)	122
Total changes	(70)	103
Projected benefit obligation at end of measurement year	$ 956	$ 1,026	$ 923

BENEFIT PLANS - Fair Value of P

BENEFIT PLANS - Fair Value of Plan Assets (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Changes due to:
Fair value of plan assets at beginning of measurement year	$ 1,050
Fair value of plan assets at end of measurement year	1,007	$ 1,050
Pension Benefits
Changes due to:
Fair value of plan assets at beginning of measurement year	1,050	931
Actual return on plan assets	15	164
Settlements	(28)	(16)
Benefits paid	(30)	(29)
Total changes	(43)	119
Fair value of plan assets at end of measurement year	$ 1,007	$ 1,050

BENEFIT PLANS - Net Periodic Be

BENEFIT PLANS - Net Periodic Benefit Costs (Details) - Pension Benefits - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Components of net periodic benefit expense [Abstract]
Service cost	$ 3	$ 3	$ 2
Interest cost	19	26	32
Expected return on plan assets	(40)	(42)	(44)
Amortization of loss	12	9	6
Settlements	8	5	5
Benefit costs	$ 2	$ 1	$ 1

BENEFIT PLANS - Fair Value of_2

BENEFIT PLANS - Fair Value of Plan Assets (Details) - USD ($) $ in Millions	Dec. 31, 2021	Dec. 31, 2020
Summary of plan assets investments
Fair value of plan assets	$ 1,007	$ 1,050
Fair value of plan assets, Percentage	100.00%	100.00%
Mutual funds-money market
Summary of plan assets investments
Fair value of plan assets	$ 45	$ 20
Fair value of plan assets, Percentage	5.00%	2.00%
Corporate obligations
Summary of plan assets investments
Fair value of plan assets	$ 559	$ 522
Fair value of plan assets, Percentage	55.00%	50.00%
U.S. Government obligations
Summary of plan assets investments
Fair value of plan assets	$ 208	$ 208
Fair value of plan assets, Percentage	21.00%	20.00%
Municipal obligations
Summary of plan assets investments
Fair value of plan assets	$ 5	$ 6
Fair value of plan assets, Percentage	0.00%	0.00%
Collective trust funds
Summary of plan assets investments
Fair value of plan assets	$ 13	$ 118
Fair value of plan assets, Percentage	1.00%	11.00%
Common stock
Summary of plan assets investments
Fair value of plan assets	$ 52	$ 48
Fair value of plan assets, Percentage	5.00%	5.00%
Preferred stock
Summary of plan assets investments
Fair value of plan assets	$ 0	$ 5
Fair value of plan assets, Percentage	0.00%	0.00%
Limited liability companies
Summary of plan assets investments
Fair value of plan assets	$ 36	$ 39
Fair value of plan assets, Percentage	4.00%	4.00%
Collective trust funds
Summary of plan assets investments
Fair value of plan assets	$ 30	$ 33
Fair value of plan assets, Percentage	3.00%	3.00%
Limited partnerships
Summary of plan assets investments
Fair value of plan assets	$ 58	$ 51
Fair value of plan assets, Percentage	6.00%	5.00%

BENEFIT PLANS - Expected Future

BENEFIT PLANS - Expected Future Benefit Payments (Details) - Pension Benefits $ in Millions	Dec. 31, 2021USD ($)
Estimated Future Benefit Payments [Abstract]
2022	$ 56
2023	54
2024	52
2025	50
2026	50
2027 through 2030	$ 240

BENEFIT PLANS - Amounts Recogni

BENEFIT PLANS - Amounts Recognized in AOCI (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Retirement Benefits [Abstract]
Net actuarial loss	$ (225)	$ (253)	$ (261)
Prior service cost	0	0	10
Defined benefit pension plans	(225)	(253)	(251)
Net actuarial (loss) gain:
Amounts arising during the year	18	(7)	(17)
Amortization included in net periodic benefit costs	18	17	12
Prior service cost:
Amounts arising during the year	(11)
Amortization included in net periodic benefit costs		2	2
Total recognized in OCI	36	(3)	(7)
Net actuarial (loss) gain:
Amounts arising during the year	(4)	2	5
Amortization included in net periodic benefit costs	(4)	(4)	(3)
Prior service cost:
Amounts arising during the year		3
Amortization included in net periodic benefit costs		0	0
Total recognized in OCI	(8)	1	2
Net actuarial (loss) gain:
Amounts arising during the year	14	(5)	(12)
Amortization included in net periodic benefit costs	14	13	9
Prior service cost:
Amounts arising during the year			(8)
Amortization included in net periodic benefit costs		2	2
Total recognized in OCI	$ 28	$ (2)	$ (5)

BENEFIT PLANS - Defined Contrib

BENEFIT PLANS - Defined Contribution Plans (Details) - USD ($) $ in Millions	Dec. 31, 2021	Dec. 31, 2020
Retirement Benefits [Abstract]
Shares in Huntington common stock (in shares)	9,526	10,121
Market value of Huntington common stock	$ 147	$ 128
Dividends received on shares of Huntington stock	$ 6	$ 6

INCOME TAXES - Provision (Benef

INCOME TAXES - Provision (Benefit) for Income Taxes (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Current tax provision (benefit)
Federal	$ 356	$ 236	$ 209
State	13	12	16
Foreign	1	0	0
Total current tax provision	370	248	225
Deferred tax provision (benefit)
Federal	(104)	(103)	24
State	28	10	(1)
Total deferred tax provision	(76)	(93)	23
Provision for income taxes	$ 294	$ 155	$ 248

INCOME TAXES - Effective Income

INCOME TAXES - Effective Income Tax Rate Reconciliation (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Income Tax Disclosure [Abstract]
Provision for income taxes computed at the statutory rate	$ 334	$ 204	$ 348
Increases (decreases):
General business credits	(126)	(99)	(88)
Capital loss	(32)	(25)	(62)
Tax-exempt income	(18)	(17)	(21)
Tax-exempt bank owned life insurance income	(14)	(13)	(14)
Affordable housing investment amortization, net of tax benefits	102	78	70
State income taxes, net	32	17	11
Other	16	10	4
Provision for income taxes	$ 294	$ 155	$ 248

INCOME TAXES - Deferred Tax Ass

INCOME TAXES - Deferred Tax Assets and Liabilities (Details) - USD ($) $ in Millions	Dec. 31, 2021	Dec. 31, 2020
Deferred tax assets:
Allowances for credit losses	$ 518	$ 448
Tax credit carryforward	194	0
Net operating and other loss carryforward	143	128
Lease liability	143	54
Purchase accounting and other intangibles	107	30
Fair value adjustments	65	0
Pension and other employee benefits	46	10
Other assets	14	5
Total deferred tax assets	1,230	675
Deferred tax liabilities:
Lease financing	712	409
Operating assets	116	85
Loan origination costs	115	137
Right-of-use asset	113	46
Mortgage servicing rights	84	43
Securities adjustments	40	20
Fair value adjustments	0	55
Other liabilities	14	3
Total deferred tax liabilities	1,194	798
Net deferred tax asset (liability) before valuation allowance	36	(123)
Valuation allowance	(35)	(11)
Net deferred tax asset	$ 1
Net deferred tax liabilities		$ (134)

INCOME TAXES - Narrative (Detai

INCOME TAXES - Narrative (Details) $ in Millions	Dec. 31, 2021USD ($)
Income Tax Disclosure [Abstract]
Net deferred tax asset, operating loss carryforwards	$ 337
Net deferred tax asset, operating loss carryforwards, domestic	61
Net deferred tax asset, operating loss carryforwards, state and local	50
General business credit	194
Bad debt reserves with no federal income tax liability	182
Unrecognized deferred tax liability from cumulative bad debt reduction	38
Domestic Tax Authority
Tax Credit Carryforward [Line Items]
Capital loss carryforwards	26
State and Local Jurisdiction
Tax Credit Carryforward [Line Items]
Capital loss carryforwards	$ 6

INCOME TAXES - Gross Unrecogniz

INCOME TAXES - Gross Unrecognized Tax Benefits (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Reconciliation of Unrecognized Tax Benefits, Excluding Amounts Pertaining to Examined Tax Returns [Roll Forward]
Unrecognized tax benefits at beginning of period	$ 46	$ 0
Gross increases for tax positions taken during current period	47	46
Unrecognized tax benefits at end of period	$ 93	$ 46

FAIR VALUES OF ASSETS AND LIA_3

FAIR VALUES OF ASSETS AND LIABILITIES - Recurring basis (Details) - USD ($) $ in Millions	Dec. 31, 2021	Dec. 31, 2020
Assets measured at fair value on a recurring basis
Available-for-sale securities	$ 28,460	$ 16,485
Loans held for sale	1,270	1,198
Loans held for investment	171	94
Derivative assets gross	1,065	1,946
Derivative assets netting	(465)	(889)
Derivative assets	600	1,057
Total short-term borrowings	334	183
Liabilities measured at fair value on a recurring basis
Gross amounts of recognized liabilities	743	1,033
Derivative liabilities netting	(624)	(917)
Derivative liabilities	119	116
U.S. Treasury securities
Assets measured at fair value on a recurring basis
Available-for-sale securities	5	5
Residential MBS
Assets measured at fair value on a recurring basis
Available-for-sale securities	15,508	7,935
Commercial MBS
Assets measured at fair value on a recurring basis
Available-for-sale securities	1,865	1,163
Other agencies
Assets measured at fair value on a recurring basis
Available-for-sale securities	248	62
Municipal securities
Assets measured at fair value on a recurring basis
Available-for-sale securities	3,526	3,004
Private-label CMO
Assets measured at fair value on a recurring basis
Available-for-sale securities	106	9
Asset-backed securities
Assets measured at fair value on a recurring basis
Available-for-sale securities	382	192
Corporate debt
Assets measured at fair value on a recurring basis
Available-for-sale securities	2,167	445
Recurring
Assets measured at fair value on a recurring basis
Available-for-sale securities	28,460	16,485
Other securities	72	59
Loans held for sale	1,270	1,198
Loans held for investment	171	94
MSRs	351	210
Derivative assets netting	(465)	(889)
Derivative assets	600	1,057
Assets held in trust for deferred compensation plans	156	73
Liabilities measured at fair value on a recurring basis
Derivative liabilities netting	(624)	(917)
Derivative liabilities	119	116
Recurring \| U.S. Treasury securities
Assets measured at fair value on a recurring basis
Available-for-sale securities	5	5
Recurring \| Residential CMOs
Assets measured at fair value on a recurring basis
Available-for-sale securities	4,649	3,666
Recurring \| Residential MBS
Assets measured at fair value on a recurring basis
Available-for-sale securities	15,508	7,935
Recurring \| Commercial MBS
Assets measured at fair value on a recurring basis
Available-for-sale securities	1,865	1,163
Recurring \| Other agencies
Assets measured at fair value on a recurring basis
Available-for-sale securities	248	62
Recurring \| Municipal securities
Assets measured at fair value on a recurring basis
Trading account securities	46	62
Available-for-sale securities	3,526	3,004
Recurring \| Private-label CMO
Assets measured at fair value on a recurring basis
Available-for-sale securities	106	9
Recurring \| Asset-backed securities
Assets measured at fair value on a recurring basis
Available-for-sale securities	382	192
Recurring \| Corporate debt
Assets measured at fair value on a recurring basis
Available-for-sale securities	2,167	445
Recurring \| Other securities/Sovereign debt
Assets measured at fair value on a recurring basis
Available-for-sale securities	4	4
Recurring \| Level 1
Assets measured at fair value on a recurring basis
Available-for-sale securities	5	5
Other securities	65	59
Loans held for sale	0	0
Loans held for investment	0	0
MSRs	0	0
Derivative assets gross	0	0
Assets held in trust for deferred compensation plans	156	73
Liabilities measured at fair value on a recurring basis
Gross amounts of recognized liabilities	0	0
Recurring \| Level 1 \| U.S. Treasury securities
Assets measured at fair value on a recurring basis
Available-for-sale securities	5	5
Recurring \| Level 1 \| Residential CMOs
Assets measured at fair value on a recurring basis
Available-for-sale securities	0	0
Recurring \| Level 1 \| Residential MBS
Assets measured at fair value on a recurring basis
Available-for-sale securities	0	0
Recurring \| Level 1 \| Commercial MBS
Assets measured at fair value on a recurring basis
Available-for-sale securities	0	0
Recurring \| Level 1 \| Other agencies
Assets measured at fair value on a recurring basis
Available-for-sale securities	0	0
Recurring \| Level 1 \| Municipal securities
Assets measured at fair value on a recurring basis
Trading account securities	0	0
Available-for-sale securities	0	0
Recurring \| Level 1 \| Private-label CMO
Assets measured at fair value on a recurring basis
Available-for-sale securities	0	0
Recurring \| Level 1 \| Asset-backed securities
Assets measured at fair value on a recurring basis
Available-for-sale securities	0	0
Recurring \| Level 1 \| Corporate debt
Assets measured at fair value on a recurring basis
Available-for-sale securities	0	0
Recurring \| Level 1 \| Other securities/Sovereign debt
Assets measured at fair value on a recurring basis
Available-for-sale securities	0	0
Recurring \| Level 2
Assets measured at fair value on a recurring basis
Available-for-sale securities	24,888	13,510
Other securities	7	0
Loans held for sale	1,270	1,198
Loans held for investment	152	71
MSRs	0	0
Derivative assets gross	1,055	1,903
Assets held in trust for deferred compensation plans	0	0
Liabilities measured at fair value on a recurring basis
Gross amounts of recognized liabilities	737	1,031
Recurring \| Level 2 \| U.S. Treasury securities
Assets measured at fair value on a recurring basis
Available-for-sale securities	0	0
Recurring \| Level 2 \| Residential CMOs
Assets measured at fair value on a recurring basis
Available-for-sale securities	4,649	3,666
Recurring \| Level 2 \| Residential MBS
Assets measured at fair value on a recurring basis
Available-for-sale securities	15,508	7,935
Recurring \| Level 2 \| Commercial MBS
Assets measured at fair value on a recurring basis
Available-for-sale securities	1,865	1,163
Recurring \| Level 2 \| Other agencies
Assets measured at fair value on a recurring basis
Available-for-sale securities	248	62
Recurring \| Level 2 \| Municipal securities
Assets measured at fair value on a recurring basis
Trading account securities	46	62
Available-for-sale securities	49	53
Recurring \| Level 2 \| Private-label CMO
Assets measured at fair value on a recurring basis
Available-for-sale securities	86	0
Recurring \| Level 2 \| Asset-backed securities
Assets measured at fair value on a recurring basis
Available-for-sale securities	312	182
Recurring \| Level 2 \| Corporate debt
Assets measured at fair value on a recurring basis
Available-for-sale securities	2,167	445
Recurring \| Level 2 \| Other securities/Sovereign debt
Assets measured at fair value on a recurring basis
Available-for-sale securities	4	4
Recurring \| Level 3
Assets measured at fair value on a recurring basis
Available-for-sale securities	3,567	2,970
Other securities	0	0
Loans held for sale	0	0
Loans held for investment	19	23
MSRs	351	210
Derivative assets gross	10	43
Assets held in trust for deferred compensation plans	0	0
Liabilities measured at fair value on a recurring basis
Gross amounts of recognized liabilities	6	2
Recurring \| Level 3 \| U.S. Treasury securities
Assets measured at fair value on a recurring basis
Available-for-sale securities	0	0
Recurring \| Level 3 \| Residential CMOs
Assets measured at fair value on a recurring basis
Available-for-sale securities	0	0
Recurring \| Level 3 \| Residential MBS
Assets measured at fair value on a recurring basis
Available-for-sale securities	0	0
Recurring \| Level 3 \| Commercial MBS
Assets measured at fair value on a recurring basis
Available-for-sale securities	0	0
Recurring \| Level 3 \| Other agencies
Assets measured at fair value on a recurring basis
Available-for-sale securities	0	0
Recurring \| Level 3 \| Municipal securities
Assets measured at fair value on a recurring basis
Trading account securities	0	0
Available-for-sale securities	3,477	2,951
Recurring \| Level 3 \| Private-label CMO
Assets measured at fair value on a recurring basis
Available-for-sale securities	20	9
Recurring \| Level 3 \| Asset-backed securities
Assets measured at fair value on a recurring basis
Available-for-sale securities	70	10
Recurring \| Level 3 \| Corporate debt
Assets measured at fair value on a recurring basis
Available-for-sale securities	0	0
Recurring \| Level 3 \| Other securities/Sovereign debt
Assets measured at fair value on a recurring basis
Available-for-sale securities	$ 0	$ 0

FAIR VALUES OF ASSETS AND LIA_4

FAIR VALUES OF ASSETS AND LIABILITIES - Level 3 Roll Forward (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Derivative instruments
Opening balance	$ 41	$ 6	$ 2
Transfers out of Level 3	(132)	(198)	(62)
Total gains/losses for the period:
Included in OCI	0	0	0
Purchases/originations/acquisitions	7	0	0
Sales	0		0
Repayments	0	0	0
Settlements	0	0	0
Opening balance	4	41	6
Change in unrealized gains or losses for the period included in earnings for assets held at end of the reporting date	(41)	34	3
Mortgage banking income
Total gains/losses for the period:
Included in earnings:	88	233	66
Interest and fee income
Total gains/losses for the period:
Included in earnings:	0	0	0
Fair Value, Recurring
Level 3 Assets Roll Forward:
Fair value election for servicing assets previously measured using the amortization method	351	210
Level 1 \| Fair Value, Recurring
Level 3 Assets Roll Forward:
Fair value election for servicing assets previously measured using the amortization method	0	0
Level 2 \| Fair Value, Recurring
Level 3 Assets Roll Forward:
Fair value election for servicing assets previously measured using the amortization method	0	0
Level 3 \| Fair Value, Recurring
Level 3 Assets Roll Forward:
Fair value election for servicing assets previously measured using the amortization method	351	210
Home equity
Level 3 Assets Roll Forward:
Fair value election for servicing assets previously measured using the amortization method	351	210	7
Revision of Prior Period, Adjustment \| Home equity
Level 3 Assets Roll Forward:
Fair value election for servicing assets previously measured using the amortization method		0	205
MSRs
Level 3 Assets Roll Forward:
Opening balance	210	7	10
Transfers out of Level 3	0	0	0
Total gains/losses for the period:
Included in OCI	0	0	0
Purchases/originations/acquisitions	194	102	0
Sales	0		0
Repayments	0	0	0
Settlements	(80)	0	0
Closing balance	351	210	7
Change in unrealized gains or losses for the period included in earnings for assets held at end of the reporting date	27	(104)	(3)
MSRs \| Mortgage banking income
Total gains/losses for the period:
Included in earnings:	27	(104)	(3)
MSRs \| Interest and fee income
Total gains/losses for the period:
Included in earnings:	0	0	0
Municipal securities
Level 3 Assets Roll Forward:
Opening balance	2,951	2,999	3,165
Transfers out of Level 3	0	0	0
Total gains/losses for the period:
Included in OCI	(46)	65	77
Purchases/originations/acquisitions	1,835	623	254
Sales	(369)		0
Repayments	0	0	0
Settlements	(893)	(734)	(496)
Closing balance	3,477	2,951	2,999
Change in unrealized gains or losses for the period included in earnings for assets held at end of the reporting date	(47)	68	74
Municipal securities \| Mortgage banking income
Total gains/losses for the period:
Included in earnings:	0	0	0
Municipal securities \| Interest and fee income
Total gains/losses for the period:
Included in earnings:	(1)	(2)	(1)
Private-label CMO
Level 3 Assets Roll Forward:
Opening balance	9	2	0
Transfers out of Level 3	0	0	0
Total gains/losses for the period:
Included in OCI	0	0	0
Purchases/originations/acquisitions	11	7	2
Sales	0		0
Repayments	0	0	0
Settlements	2	0	0
Closing balance	20	9	2
Change in unrealized gains or losses for the period included in earnings for assets held at end of the reporting date	0	0	0
Private-label CMO \| Mortgage banking income
Total gains/losses for the period:
Included in earnings:	0	0	0
Private-label CMO \| Interest and fee income
Total gains/losses for the period:
Included in earnings:	(2)	0	0
Asset-backed securities
Level 3 Assets Roll Forward:
Opening balance	10	48	0
Transfers out of Level 3	0	0	0
Total gains/losses for the period:
Included in OCI	0	0	0
Purchases/originations/acquisitions	115	28	55
Sales	0		0
Repayments	0	0	0
Settlements	(55)	(66)	(7)
Closing balance	70	10	48
Change in unrealized gains or losses for the period included in earnings for assets held at end of the reporting date	0	0	0
Asset-backed securities \| Mortgage banking income
Total gains/losses for the period:
Included in earnings:	0	0	0
Asset-backed securities \| Interest and fee income
Total gains/losses for the period:
Included in earnings:	0	0	0
Loans held for investment
Level 3 Assets Roll Forward:
Opening balance	23	26	30
Transfers out of Level 3	0	0	0
Total gains/losses for the period:
Included in earnings:			0
Included in OCI	0	0	0
Purchases/originations/acquisitions	0	0	0
Sales	0		0
Repayments	(4)	(3)	(5)
Settlements	0	0	0
Closing balance	19	23	26
Change in unrealized gains or losses for the period included in earnings for assets held at end of the reporting date	0	0	0
Loans held for investment \| Mortgage banking income
Total gains/losses for the period:
Included in earnings:	0	0
Loans held for investment \| Interest and fee income
Total gains/losses for the period:
Included in earnings:	$ 0	$ 0	$ 1

FAIR VALUES OF ASSETS AND LIA_5

FAIR VALUES OF ASSETS AND LIABILITIES - Fair Value Option (Details) - USD ($) $ in Millions	Dec. 31, 2021	Dec. 31, 2020
Fair Value, Option, Quantitative Disclosures [Line Items]
Loans held for sale, fair value	$ 1,270	$ 1,198
Loans held for investment, fair value	171	94
Fair Value, Recurring
Fair Value, Option, Quantitative Disclosures [Line Items]
Loans held for sale, fair value	1,270	1,198
Loans held for investment, fair value	171	94
Fair Value, Recurring \| Loans held for sale
Fair Value, Option, Quantitative Disclosures [Line Items]
Loans held for sale, aggregate unpaid principal	1,237	1,134
Difference	33	64
Fair Value, Recurring \| Loans held for investment
Fair Value, Option, Quantitative Disclosures [Line Items]
Loans held for investment, fair value	171	94
Loans held for investment, aggregate unpaid principal	177	99
Difference	6	5
Fair Value, Recurring \| 90 or more days \| Loans held for sale
Fair Value, Option, Quantitative Disclosures [Line Items]
Loans held for sale, fair value	0	2
Loans held for sale, aggregate unpaid principal	0	2
Difference	0	0
Fair Value, Recurring \| 90 or more days \| Loans held for investment
Fair Value, Option, Quantitative Disclosures [Line Items]
Loans held for investment, fair value	4	7
Loans held for investment, aggregate unpaid principal	4	8
Difference	$ 0	$ 1

FAIR VALUES OF ASSETS AND LIA_6

FAIR VALUES OF ASSETS AND LIABILITIES - Fair Value Option-Changes in Fair Value (Details) - Fair Value, Recurring - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Loans held for sale
Fair Value, Option, Quantitative Disclosures [Line Items]
Net gains (losses) from fair value changes	$ (31)	$ 38	$ 7
Loans held for investment
Fair Value, Option, Quantitative Disclosures [Line Items]
Net gains (losses) from fair value changes	$ (1)	$ 1	$ 1

FAIR VALUES OF ASSETS AND LIA_7

FAIR VALUES OF ASSETS AND LIABILITIES - Non-recurring/Fair Values of Financial Instruments (Details) - USD ($) $ in Millions	Dec. 31, 2021	Dec. 31, 2020
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans held for sale	$ 1,270	$ 1,198
Nonrecurring \| Fair Value
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Collateral-dependent loans	39	144
Loans held for sale		124
Nonrecurring \| Total Gains/(Losses)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Collateral-dependent loans	4	43
Loans held for sale		63
Nonrecurring \| Level 1 \| Fair Value
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Collateral-dependent loans	0	0
Loans held for sale		0
Nonrecurring \| Level 2 \| Fair Value
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Collateral-dependent loans	0	0
Loans held for sale		0
Nonrecurring \| Level 3 \| Fair Value
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Collateral-dependent loans	$ 39	144
Loans held for sale		$ 124

FAIR VALUES OF ASSETS AND LIA_8

FAIR VALUES OF ASSETS AND LIABILITIES - Significant Unobservable Level 3 Inputs (Details) $ in Millions	Dec. 31, 2021USD ($)	Dec. 31, 2020USD ($)
Fair Value Inputs, Assets and Liabilities, Quantitative Information [Line Items]
Derivative assets gross	$ 1,065	$ 1,946
Recurring
Fair Value Inputs, Assets and Liabilities, Quantitative Information [Line Items]
MSRs	351	210
Recurring \| Level 3
Fair Value Inputs, Assets and Liabilities, Quantitative Information [Line Items]
MSRs	351	210
Derivative assets gross	$ 10	$ 43
Residential MBS \| Measurement Input, Constant Prepayment Rate \| Recurring \| Maximum \| Valuation Technique, Discounted Cash Flow \| Level 3
Fair Value Inputs, Assets and Liabilities, Quantitative Information [Line Items]
Servicing Asset, Measurement Input	0.23	0.24
Residential MBS \| Measurement Input, Constant Prepayment Rate \| Recurring \| Minimum \| Valuation Technique, Discounted Cash Flow \| Level 3
Fair Value Inputs, Assets and Liabilities, Quantitative Information [Line Items]
Servicing Asset, Measurement Input	0.08	0.08
Residential MBS \| Measurement Input, Constant Prepayment Rate \| Recurring \| Weighted Average \| Valuation Technique, Discounted Cash Flow \| Level 3
Fair Value Inputs, Assets and Liabilities, Quantitative Information [Line Items]
Servicing Asset, Measurement Input	0.12	0.17
Residential MBS \| Measurement Input, Option Adjusted Spread \| Recurring \| Maximum \| Valuation Technique, Discounted Cash Flow \| Level 3
Fair Value Inputs, Assets and Liabilities, Quantitative Information [Line Items]
Servicing Asset, Measurement Input	0.11	0.11
Residential MBS \| Measurement Input, Option Adjusted Spread \| Recurring \| Minimum \| Valuation Technique, Discounted Cash Flow \| Level 3
Fair Value Inputs, Assets and Liabilities, Quantitative Information [Line Items]
Servicing Asset, Measurement Input	0.03	0.04
Residential MBS \| Measurement Input, Option Adjusted Spread \| Recurring \| Weighted Average \| Valuation Technique, Discounted Cash Flow \| Level 3
Fair Value Inputs, Assets and Liabilities, Quantitative Information [Line Items]
Servicing Asset, Measurement Input	0.05	0.05
Derivative Assets \| Measurement Input, Net Market Price \| Recurring \| Maximum \| Valuation Technique, Consensus Pricing Model \| Level 3
Fair Value Inputs, Assets and Liabilities, Quantitative Information [Line Items]
Derivative Asset, Measurement Input	0.08	0.11
Derivative Assets \| Measurement Input, Net Market Price \| Recurring \| Minimum \| Valuation Technique, Consensus Pricing Model \| Level 3
Fair Value Inputs, Assets and Liabilities, Quantitative Information [Line Items]
Derivative Asset, Measurement Input	(0.04)	(0.04)
Loans held for investment, Measurement Input	0.01
Derivative Assets \| Measurement Input, Net Market Price \| Recurring \| Weighted Average \| Valuation Technique, Consensus Pricing Model \| Level 3
Fair Value Inputs, Assets and Liabilities, Quantitative Information [Line Items]
Derivative Asset, Measurement Input		0.03
Derivative Assets \| Measurement Input, Estimated Pull Thru \| Recurring \| Maximum \| Valuation Technique, Consensus Pricing Model \| Level 3
Fair Value Inputs, Assets and Liabilities, Quantitative Information [Line Items]
Derivative Asset, Measurement Input	1	1
Derivative Assets \| Measurement Input, Estimated Pull Thru \| Recurring \| Minimum \| Consensus Pricing \| Level 3
Fair Value Inputs, Assets and Liabilities, Quantitative Information [Line Items]
Loans held for investment, Measurement Input	0.92
Derivative Assets \| Measurement Input, Estimated Pull Thru \| Recurring \| Minimum \| Valuation Technique, Consensus Pricing Model \| Level 3
Fair Value Inputs, Assets and Liabilities, Quantitative Information [Line Items]
Derivative Asset, Measurement Input	0.06	0.01
Derivative Assets \| Measurement Input, Estimated Pull Thru \| Recurring \| Weighted Average \| Valuation Technique, Consensus Pricing Model \| Level 3
Fair Value Inputs, Assets and Liabilities, Quantitative Information [Line Items]
Derivative Asset, Measurement Input		0.88
Corporate obligations \| Measurement Input, Discount Rate \| Recurring \| Maximum \| Valuation Technique, Discounted Cash Flow \| Level 3
Fair Value Inputs, Assets and Liabilities, Quantitative Information [Line Items]
Debt Securities, Available-for-sale, Measurement Input	0.02	0.01
Corporate obligations \| Measurement Input, Discount Rate \| Recurring \| Minimum \| Valuation Technique, Discounted Cash Flow \| Level 3
Fair Value Inputs, Assets and Liabilities, Quantitative Information [Line Items]
Debt Securities, Available-for-sale, Measurement Input	0	0
Corporate obligations \| Measurement Input, Discount Rate \| Recurring \| Weighted Average \| Valuation Technique, Discounted Cash Flow \| Level 3
Fair Value Inputs, Assets and Liabilities, Quantitative Information [Line Items]
Debt Securities, Available-for-sale, Measurement Input	0.01	0.01
Corporate obligations \| Measurement Input, Default Rate \| Recurring \| Maximum \| Valuation Technique, Discounted Cash Flow \| Level 3
Fair Value Inputs, Assets and Liabilities, Quantitative Information [Line Items]
Debt Securities, Available-for-sale, Measurement Input	0.64	0.39
Corporate obligations \| Measurement Input, Default Rate \| Recurring \| Minimum \| Valuation Technique, Discounted Cash Flow \| Level 3
Fair Value Inputs, Assets and Liabilities, Quantitative Information [Line Items]
Debt Securities, Available-for-sale, Measurement Input	0	0
Corporate obligations \| Measurement Input, Default Rate \| Recurring \| Weighted Average \| Valuation Technique, Discounted Cash Flow \| Level 3
Fair Value Inputs, Assets and Liabilities, Quantitative Information [Line Items]
Debt Securities, Available-for-sale, Measurement Input	0.05	0.04
Corporate obligations \| Measurement Input, Loss Severity \| Recurring \| Maximum \| Valuation Technique, Discounted Cash Flow \| Level 3
Fair Value Inputs, Assets and Liabilities, Quantitative Information [Line Items]
Debt Securities, Available-for-sale, Measurement Input	0.80	0.80
Corporate obligations \| Measurement Input, Loss Severity \| Recurring \| Minimum \| Valuation Technique, Discounted Cash Flow \| Level 3
Fair Value Inputs, Assets and Liabilities, Quantitative Information [Line Items]
Debt Securities, Available-for-sale, Measurement Input	0.05	0.05
Corporate obligations \| Measurement Input, Loss Severity \| Recurring \| Weighted Average \| Valuation Technique, Discounted Cash Flow \| Level 3
Fair Value Inputs, Assets and Liabilities, Quantitative Information [Line Items]
Debt Securities, Available-for-sale, Measurement Input	0.23	0.25

FAIR VALUES OF ASSETS AND LIA_9

FAIR VALUES OF ASSETS AND LIABILITIES - Balance Sheet Location (Details) (Details) - USD ($) $ in Millions		Dec. 31, 2021	Dec. 31, 2020
Financial Assets:
Available-for-sale securities		$ 28,460	$ 16,485
Held-to-maturity securities		12,447	8,861
Loans held for sale	[1]	1,676	1,275
Net loans and leases		109,890	79,794
Derivatives		600	1,057
Financial Liabilities:
Deposits		143,263	98,948
Short-term borrowings		334	183
Long-term borrowings		7,108	8,352
Derivatives		119	116
Gross amounts of recognized assets		1,065	1,946
Derivative assets netting		(465)	(889)
Gross amounts of recognized liabilities		743	1,033
Derivative liabilities netting		(624)	(917)
Fair Value, Recurring
Financial Assets:
Available-for-sale securities		28,460	16,485
Derivatives		600	1,057
Financial Liabilities:
Derivatives		119	116
Derivative assets netting		(465)	(889)
Derivative liabilities netting		(624)	(917)
Level 1 \| Fair Value, Recurring
Financial Assets:
Available-for-sale securities		5	5
Financial Liabilities:
Gross amounts of recognized assets		0	0
Gross amounts of recognized liabilities		0	0
Level 2 \| Fair Value, Recurring
Financial Assets:
Available-for-sale securities		24,888	13,510
Financial Liabilities:
Gross amounts of recognized assets		1,055	1,903
Gross amounts of recognized liabilities		737	1,031
Level 3 \| Fair Value, Recurring
Financial Assets:
Available-for-sale securities		3,567	2,970
Financial Liabilities:
Gross amounts of recognized assets		10	43
Gross amounts of recognized liabilities		6	2
Carrying Amount
Financial Assets:
Cash and short term assets		5,914	6,712
Trading account securities		46	62
Available-for-sale securities		28,460	16,485
Held-to-maturity securities		12,447	8,861
Other Securities		648	418
Loans held for sale		1,676	1,275
Net loans and leases		109,890	79,794
Derivatives		600	1,057
Assets held in trust for deferred compensation plans		156	73
Financial Liabilities:
Deposits		143,263	98,948
Short-term borrowings		334	183
Long-term borrowings		7,108	8,352
Derivatives		119	116
Fair Value
Financial Assets:
Cash and short term assets		5,914	6,712
Trading account securities		46	62
Available-for-sale securities		28,460	16,485
Held-to-maturity securities		12,489	9,255
Other Securities		648	418
Loans held for sale		1,621	1,275
Net loans and leases		110,342	80,477
Derivatives		600	1,057
Assets held in trust for deferred compensation plans		156	73
Financial Liabilities:
Deposits		143,574	99,021
Short-term borrowings		334	183
Long-term borrowings		7,319	8,568
Derivatives		119	116
Other securities		72	59
Fair Value \| Level 1
Financial Assets:
Trading account securities		0	0
Available-for-sale securities		5	5
Held-to-maturity securities		0	0
Loans held for sale		0	0
Net loans and leases		0	0
Financial Liabilities:
Deposits		0	0
Short-term borrowings		0	0
Long-term borrowings		0	0
Other securities		65	59
Fair Value \| Level 2
Financial Assets:
Trading account securities		46	62
Available-for-sale securities		24,888	13,510
Held-to-maturity securities		12,489	9,255
Loans held for sale		1,270	1,198
Net loans and leases		152	71
Financial Liabilities:
Deposits		139,047	96,656
Short-term borrowings		334	183
Long-term borrowings		6,441	7,999
Other securities		7	0
Fair Value \| Level 3
Financial Assets:
Trading account securities		0	0
Available-for-sale securities		3,567	2,970
Held-to-maturity securities		0	0
Loans held for sale		351	77
Net loans and leases		110,190	80,406
Financial Liabilities:
Deposits		4,527	2,365
Short-term borrowings		0	0
Long-term borrowings		878	569
Other securities		0	0
Amortized Cost \| Carrying Amount
Financial Assets:
Cash and short term assets		5,914	6,712
Held-to-maturity securities		12,447	8,861
Other Securities		576	359
Net loans and leases		109,719	79,700
Financial Liabilities:
Deposits		143,263	98,948
Short-term borrowings		334	183
Long-term borrowings		7,108	8,352
Lower of Cost or Market \| Carrying Amount
Financial Assets:
Loans held for sale		406	77
Fair Value or Fair Value Option \| Carrying Amount
Financial Assets:
Trading account securities		46	62
Available-for-sale securities		28,460	16,485
Other Securities		72	59
Loans held for sale		1,270	1,198
Net loans and leases		171	94
Derivatives		600	1,057
Assets held in trust for deferred compensation plans		156	73
Financial Liabilities:
Derivatives		$ 119	$ 116

[1]	Amounts represent loans for which Huntington has elected the fair value option. See Note 19 “ Fair Values of Assets and Liabilities ”.

DERIVATIVE FINANCIAL INSTRUME_3

DERIVATIVE FINANCIAL INSTRUMENTS - Hedging instruments (Details) - USD ($) $ in Millions	Dec. 31, 2021	Dec. 31, 2020
Derivatives, Fair Value [Line Items]
Notional value	$ 21,577	$ 33,327
Asset derivatives included in accrued income and other assets
Total derivative assets	1,065	1,946
Liability derivatives included in accrued expenses and other liabilities
Total derivative liabilities	743	1,033
Accrued income and other assets
Asset derivatives included in accrued income and other assets
Interest rate contracts not designated as hedging instruments	587	1,074
Foreign exchange contracts not designated as hedging instruments	29	46
Commodities contracts not designated as hedging instruments	178	107
Derivative Instruments Not Designated as Hedging Instruments, Asset, at Fair Value	12	0
Total derivative assets	1,065	1,946
Accrued expenses and other liabilities
Liability derivatives included in accrued expenses and other liabilities
Interest rate contracts not designated as hedging instruments	498	828
Foreign exchange contracts not designated as hedging instruments	31	47
Commodities contracts not designated as hedging instruments	177	103
Derivative Instruments Not Designated as Hedging Instruments, Liability, at Fair Value	5	4
Total derivative liabilities	743	1,033
Interest rate contracts \| Accrued income and other assets
Asset derivatives included in accrued income and other assets
Interest rate contracts designated as hedging instruments	258	719
Interest rate contracts \| Accrued expenses and other liabilities
Liability derivatives included in accrued expenses and other liabilities
Interest rate contracts designated as hedging instruments	32	51
Foreign exchange contracts \| Accrued income and other assets
Asset derivatives included in accrued income and other assets
Interest rate contracts designated as hedging instruments	1	0
Foreign exchange contracts \| Accrued expenses and other liabilities
Liability derivatives included in accrued expenses and other liabilities
Interest rate contracts designated as hedging instruments	0	0
Derivatives designated as Hedging Instruments \| Interest rate contracts \| Accrued income and other assets
Derivatives, Fair Value [Line Items]
Notional value	21,306	27,056
Derivatives designated as Hedging Instruments \| Foreign exchange contracts \| Accrued income and other assets
Derivatives, Fair Value [Line Items]
Notional value	210	0
Derivatives not designated as Hedging Instruments \| Accrued income and other assets
Derivatives, Fair Value [Line Items]
Notional value	72,088	76,738
Derivatives not designated as Hedging Instruments \| Interest rate contracts \| Accrued income and other assets
Derivatives, Fair Value [Line Items]
Notional value	45,286	44,495
Derivatives not designated as Hedging Instruments \| Foreign exchange contracts \| Accrued income and other assets
Derivatives, Fair Value [Line Items]
Notional value	3,524	2,718
Derivatives not designated as Hedging Instruments \| Commodities contracts \| Accrued income and other assets
Derivatives, Fair Value [Line Items]
Notional value	1,077	1,952
Derivatives not designated as Hedging Instruments \| Equity contracts \| Accrued income and other assets
Derivatives, Fair Value [Line Items]
Notional value	$ 685	$ 517

DERIVATIVE FINANCIAL INSTRUME_4

DERIVATIVE FINANCIAL INSTRUMENTS - Gain (Loss) (Details) - Derivatives not designated as Hedging Instruments - Fair Value Hedging - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Derivative Instruments, Gain (Loss) [Line Items]
Derivative Instruments Not Designated as Hedging Instruments, Gain (Loss), Net	$ 132	$ 129	$ 112
Interest rate contracts \| Capital markets fees
Derivative Instruments, Gain (Loss) [Line Items]
Derivative Instruments Not Designated as Hedging Instruments, Gain (Loss), Net	50	47	49
Interest rate contracts \| Mortgage banking income
Derivative Instruments, Gain (Loss) [Line Items]
Derivative Instruments Not Designated as Hedging Instruments, Gain (Loss), Net	(26)	52	37
Interest rate floors \| Interest and fee income on loans and leases
Derivative Instruments, Gain (Loss) [Line Items]
Derivative Instruments Not Designated as Hedging Instruments, Gain (Loss), Net	(8)	(2)	4
Interest rate caps \| Interest expense on long-term debt
Derivative Instruments, Gain (Loss) [Line Items]
Derivative Instruments Not Designated as Hedging Instruments, Gain (Loss), Net	89	5	0
Foreign exchange contracts \| Capital markets fees
Derivative Instruments, Gain (Loss) [Line Items]
Derivative Instruments Not Designated as Hedging Instruments, Gain (Loss), Net	32	27	28
Commodities contracts \| Capital markets fees
Derivative Instruments, Gain (Loss) [Line Items]
Derivative Instruments Not Designated as Hedging Instruments, Gain (Loss), Net	3	4	(2)
Equity contracts \| Other noninterest expense
Derivative Instruments, Gain (Loss) [Line Items]
Derivative Instruments Not Designated as Hedging Instruments, Gain (Loss), Net	$ (8)	$ (4)	$ (4)

DERIVATIVE FINANCIAL INSTRUME_5

DERIVATIVE FINANCIAL INSTRUMENTS - Asset and Liability Management (Details) - USD ($) $ in Millions	Dec. 31, 2021	Dec. 31, 2020
Notional Disclosures [Abstract]
Notional value	$ 21,577	$ 33,327
Derivatives designated as economic hedge
Notional Disclosures [Abstract]
Notional value	271	6,271
Fair Value Hedging
Notional Disclosures [Abstract]
Notional value	10,156	9,681
Cash Flow Hedging
Notional Disclosures [Abstract]
Notional value	11,150	17,375
Loans
Notional Disclosures [Abstract]
Notional value	11,421	18,646
Loans \| Derivatives designated as economic hedge
Notional Disclosures [Abstract]
Notional value	271	1,271
Loans \| Fair Value Hedging \| Derivatives designated as Hedging Instruments
Notional Disclosures [Abstract]
Notional value	0	0
Loans \| Cash Flow Hedging \| Derivatives designated as Hedging Instruments
Notional Disclosures [Abstract]
Notional value	11,150	17,375
Investment securities
Notional Disclosures [Abstract]
Notional value	8,228	3,484
Investment securities \| Derivatives designated as economic hedge
Notional Disclosures [Abstract]
Notional value	0	0
Investment securities \| Fair Value Hedging \| Derivatives designated as Hedging Instruments
Notional Disclosures [Abstract]
Notional value	8,228	3,484
Investment securities \| Cash Flow Hedging \| Derivatives designated as Hedging Instruments
Notional Disclosures [Abstract]
Notional value	0	0
Long-term debt
Notional Disclosures [Abstract]
Notional value	1,928	11,197
Long-term debt \| Derivatives designated as economic hedge
Notional Disclosures [Abstract]
Notional value	0	5,000
Long-term debt \| Fair Value Hedging \| Derivatives designated as Hedging Instruments
Notional Disclosures [Abstract]
Notional value	1,928	6,197
Long-term debt \| Cash Flow Hedging \| Derivatives designated as Hedging Instruments
Notional Disclosures [Abstract]
Notional value	$ 0	$ 0

DERIVATIVE FINANCIAL INSTRUME_6

DERIVATIVE FINANCIAL INSTRUMENTS - Asset and Liability Management Add Info (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Increase decrease to net interest income due to derivative adjustment	$ 337	$ 239	$ (53)

DERIVATIVE FINANCIAL INSTRUME_7

DERIVATIVE FINANCIAL INSTRUMENTS - Fair Value Hedges (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Derivative Instruments, Gain (Loss) [Line Items]
Fair value hedge	$ 869
Fair value hedging adjustments	17	$ (62)
Investment Securities
Derivative Instruments, Gain (Loss) [Line Items]
Designated hedged items	7,400
Amortized Cost	17,150	6,637
Cumulative Amount of Fair Value Hedging Adjustment To Hedged Items	(117)	3
Amortized cost basis of the closed portfolios used in hedging relationships	16,200
Hedged Asset, Fair Value Hedge, Last-of-Layer, Cumulative Increase (Decrease)	(101)
Subordinated notes
Derivative Instruments, Gain (Loss) [Line Items]
Amortized Cost	1,981	6,383
Cumulative Amount of Fair Value Hedging Adjustment To Hedged Items	45	232
Interest income available for sale securities taxable \| Investment Securities
Derivative Instruments, Gain (Loss) [Line Items]
Change in fair value for derivatives designated as fair value hedges	108	6	$ 0
Interest income available for sale securities taxable \| Hedged investment securities
Derivative Instruments, Gain (Loss) [Line Items]
Change in fair value for derivatives designated as fair value hedges	(114)	3	0
Interest expense subordinated notes and other long term debt \| Subordinated notes
Derivative Instruments, Gain (Loss) [Line Items]
Change in fair value for derivatives designated as fair value hedges	(184)	113	127
Interest expense subordinated notes and other long term debt \| Hedged Subordinated notes
Derivative Instruments, Gain (Loss) [Line Items]
Change in fair value for derivatives designated as fair value hedges	$ 187	$ (118)	$ (125)

DERIVATIVE FINANCIAL INSTRUME_8

DERIVATIVE FINANCIAL INSTRUMENTS - Cash Flow Hedges (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Derivative Instruments, Gain (Loss) [Line Items]
Notional value	$ 21,577	$ 33,327
Net gains recognized in AOCI expected to be reclassified into earnings within the next twelve months	24
Cash Flow Hedging
Derivative Instruments, Gain (Loss) [Line Items]
Notional value	11,150	17,375
Investment securities
Derivative Instruments, Gain (Loss) [Line Items]
Notional value	$ 8,228	$ 3,484

DERIVATIVE FINANCIAL INSTRUME_9

DERIVATIVE FINANCIAL INSTRUMENTS - MSR Hedging Activities (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Derivative Instruments and Hedging Activities Disclosures [Line Items]
Notional value	$ 21,577	$ 33,327
Commitments to Sell Loans [Member]
Derivative Instruments and Hedging Activities Disclosures [Line Items]
Commitments to sell residential real estate loans	2,100	2,900
Derivative used in Mortgage Banking Activities
Derivative Instruments and Hedging Activities Disclosures [Line Items]
Notional value	1,330	1,170
Trading assets	19	43
Trading (losses) gains	$ (26)	$ 52	$ 30

DERIVATIVE FINANCIAL INSTRUM_10

DERIVATIVE FINANCIAL INSTRUMENTS - Offsetting Assets (Details) - USD ($) $ in Millions	Dec. 31, 2021	Dec. 31, 2020
Derivative Asset [Abstract]
Gross amounts of recognized assets	$ 1,065	$ 1,946
Derivative Asset, Fair Value, Gross Liability and Obligation to Return Cash, Offset	(465)	(889)
Derivative Asset, Total	600	1,057
Derivative Asset, Fair Value, Amount Not Offset Against Collateral [Abstract]
Gross amounts not offset in the statement of financial position - financial instruments	(65)	(112)
Gross amounts not offset in the statement of financial position - cash collateral received	(31)	(142)
Net amount	$ 504	$ 803

DERIVATIVE FINANCIAL INSTRUM_11

DERIVATIVE FINANCIAL INSTRUMENTS - Offsetting Liabilities (Details) - USD ($) $ in Millions	Dec. 31, 2021	Dec. 31, 2020
Derivative Liability [Abstract]
Gross amounts of recognized liabilities	$ 743	$ 1,033
Derivative Liability, Fair Value, Gross Asset and Right to Reclaim Cash, Offset	(624)	(917)
Derivative Liability, Total	119	116
Derivative Liability, Fair Value, Amount Not Offset Against Collateral [Abstract]
Gross amounts not offset in the consolidated balance sheets, financial instruments	(3)	(9)
Gross amounts not offset in the consolidated balance sheets, cash collateral received	(116)	(105)
Net amount	$ 0	$ 2

DERIVATIVE FINANCIAL INSTRUM_12

DERIVATIVE FINANCIAL INSTRUMENTS - Narrative (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Derivative [Line Items]
Increase (decrease) to net interest income due to derivative adjustment	$ 337	$ 239	$ (53)
Purchase of interest rate caps and derivative financial instruments, notional value	21,577	33,327
Credit risks from interest rate swaps used for trading purposes	551	882
Derivative liabilities	119	116
Aggregate credit risk, net of collateral	44	175
Investment securities and cash collateral pledged by Huntington	135	467
Investment securities
Derivative [Line Items]
Purchase of interest rate caps and derivative financial instruments, notional value	8,228	3,484
Cash Flow Hedging
Derivative [Line Items]
Purchase of interest rate caps and derivative financial instruments, notional value	11,150	17,375
Cash Flow Hedging \| Derivatives designated as Hedging Instruments \| Investment securities
Derivative [Line Items]
Purchase of interest rate caps and derivative financial instruments, notional value	0	0
Derivative used in trading activity
Derivative [Line Items]
Net derivative asset (liability)	51	70
Derivative financial instruments used by Huntington on behalf of customers including offsetting derivatives, notional value	45,000	37,000
Derivative used in Mortgage Banking Activities
Derivative [Line Items]
Purchase of interest rate caps and derivative financial instruments, notional value	1,330	1,170
Net asset position	15	26
Foreign Exchange Forward
Derivative [Line Items]
Purchase of interest rate caps and derivative financial instruments, notional value	210
Investment Securities
Derivative [Line Items]
Designated hedged items	7,400
Commitments to Sell Loans
Derivative [Line Items]
Commitments to sell residential real estate loans	$ 2,100	$ 2,900

VIEs - Unconsolidated VIEs (Det

VIEs - Unconsolidated VIEs (Details) - USD ($) $ in Millions	Dec. 31, 2021	Dec. 31, 2020
Variable Interest Entity [Line Items]
Total assets	$ 174,064	$ 123,038
Total Liabilities	154,746	110,045
Variable Interest Entity, Not Primary Beneficiary
Variable Interest Entity [Line Items]
Total assets	2,150	1,278
Total Liabilities	1,343	824
Maximum Exposure to Loss	2,136	1,264
Affordable Housing Tax Credit Partnerships \| Variable Interest Entity, Not Primary Beneficiary
Variable Interest Entity [Line Items]
Total assets	1,652	956
Total Liabilities	949	500
Maximum Exposure to Loss	1,652	956
Trust Preferred Securities \| Variable Interest Entity, Not Primary Beneficiary
Variable Interest Entity [Line Items]
Total assets	14	14
Total Liabilities	248	252
Maximum Exposure to Loss	0	0
Other Investments \| Variable Interest Entity, Not Primary Beneficiary
Variable Interest Entity [Line Items]
Total assets	484	308
Total Liabilities	146	72
Maximum Exposure to Loss	$ 484	$ 308

VIEs - Trust Preferred Securiti

VIEs - Trust Preferred Securities (Details) $ in Millions	12 Months Ended
VIEs - Trust Preferred Securities (Details) $ in Millions	Dec. 31, 2021USD ($)
Variable Interest Entity [Line Items]
Principal amount of subordinated note/ debenture issued to trust	$ 7,003
Variable Interest Entity, Not Primary Beneficiary
Variable Interest Entity [Line Items]
Principal amount of subordinated note/ debenture issued to trust	248
Investment in unconsolidated subsidiary	$ 14
Huntington Capital I \| London Interbank Offered Rate (LIBOR)
Variable Interest Entity [Line Items]
Basis spread on variable rate	0.70%
Huntington Capital I \| Variable Interest Entity, Not Primary Beneficiary
Variable Interest Entity [Line Items]
Rate	0.91%
Principal amount of subordinated note/ debenture issued to trust	$ 70
Investment in unconsolidated subsidiary	$ 7
Huntington Capital II \| London Interbank Offered Rate (LIBOR)
Variable Interest Entity [Line Items]
Basis spread on variable rate	0.625%
Huntington Capital II \| Variable Interest Entity, Not Primary Beneficiary
Variable Interest Entity [Line Items]
Rate	0.83%
Principal amount of subordinated note/ debenture issued to trust	$ 32
Investment in unconsolidated subsidiary	$ 3
Sky Financial Capital Trust III \| London Interbank Offered Rate (LIBOR)
Variable Interest Entity [Line Items]
Basis spread on variable rate	1.40%
Sky Financial Capital Trust III \| Variable Interest Entity, Not Primary Beneficiary
Variable Interest Entity [Line Items]
Rate	1.61%
Principal amount of subordinated note/ debenture issued to trust	$ 72
Investment in unconsolidated subsidiary	$ 2
Sky Financial Capital Trust IV \| Variable Interest Entity, Not Primary Beneficiary
Variable Interest Entity [Line Items]
Rate	1.61%
Principal amount of subordinated note/ debenture issued to trust	$ 74
Investment in unconsolidated subsidiary	$ 2

VIEs - Narrative (Details)

VIEs - Narrative (Details)	12 Months Ended
VIEs - Narrative (Details)	Dec. 31, 2021
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Maximum year to defer payment of interest on Debenture	5 years

VIEs - Low Income Housing Tax C

VIEs - Low Income Housing Tax Credit Partnerships (Details) - Variable Interest Entity, Not Primary Beneficiary - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Affordable Housing Tax Credit Partnerships
Variable Interest Entity [Line Items]
Affordable housing tax credit investments	$ 2,376	$ 1,568
Less: amortization	(724)	(612)
Net affordable housing tax credit investments	1,652	956
Unfunded commitments	949	500
Tax credits and other tax benefits recognized	144	113	$ 98
Proportional Amortization Method
Variable Interest Entity [Line Items]
Proportional amortization expense included in provision for income taxes	$ 126	$ 97	$ 84

COMMITMENTS AND CONTINGENT LI_3

COMMITMENTS AND CONTINGENT LIABILITIES - Commitments to Extend Credit (Details) - USD ($) $ in Millions	Dec. 31, 2021	Dec. 31, 2020
Commercial
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Contract amount represents credit risk	$ 27,933	$ 20,701
Other consumer
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Contract amount represents credit risk	18,513	14,808
Commercial real estate
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Contract amount represents credit risk	3,042	1,313
Standby letters of credit and guarantees on industrial revenue bonds
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Contract amount represents credit risk	694	581
Commercial \| Commercial letters of credit
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Contract amount represents credit risk	$ 36	$ 21

COMMITMENTS AND CONTINGENT LI_4

COMMITMENTS AND CONTINGENT LIABILITIES - Narrative (Details) - USD ($) $ in Millions	Dec. 31, 2021	Dec. 31, 2020
Standby letters of credit and guarantees on industrial revenue bonds
Loss Contingencies [Line Items]
Outstanding standby letters of credit	$ 7	$ 5
Minimum
Loss Contingencies [Line Items]
Loss Contingency, Estimate of Possible Loss	0
Maximum
Loss Contingencies [Line Items]
Loss Contingency, Estimate of Possible Loss	$ 15

OTHER REGULATORY MATTERS (Detai

OTHER REGULATORY MATTERS (Details) $ in Millions	Dec. 31, 2021USD ($)	Dec. 31, 2020USD ($)
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Common Equity Tier One Risk Based Capital Required for Capital Adequacy to Risk Weighted Assets	4.50%
Common Equity Tier One Risk Based Capital Conservation Buffer Plus Capital Required for Capital Adequacy to Risk Weighted Assets	7.00%
Common Equity Tier One Capital Ratio	0.0933	0.1000
Common Equity Tier One Capital	$ 12,249	$ 8,887
Tier One Risk Based Capital Required for Capital Adequacy to Risk Weighted Assets	0.0600
Tier One Risk Based Capital Conservation Buffer Plus Capital Required for Capital Adequacy to Risk Weighted Assets	8.50%
Tier One Risk Based Capital Required to be Well Capitalized to Risk Weighted Assets	0.0600
Tier One Risk Based Capital to Risk Weighted Assets	0.1099	0.1247
Tier One Leverage Capital	$ 14,426	$ 9,854
Tier One Risk Based Capital	$ 14,426	$ 11,083
Capital Required for Capital Adequacy to Risk Weighted Assets	0.0800
Capital Conservation Buffer Plus Capital required for Capital Adequacy to Risk Weighted Assets	10.50%
Capital Required to be Well Capitalized to Risk Weighted Assets	0.1000
Capital to Risk Weighted Assets	0.1314	0.1446
Capital	$ 17,246	$ 12,856
Tier One Leverage Capital Required for Capital Adequacy to Average Assets	0.0400
Tier One Leverage Capital to Average Assets	0.0856	0.0932
Bank
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Common Equity Tier One Risk Based Capital Required for Capital Adequacy to Risk Weighted Assets	4.50%
Common Equity Tier One Risk Based Capital Conservation Buffer Plus Capital Required for Capital Adequacy to Risk Weighted Assets	7.00%
Common Equity Tier One Risked Based Capital Required to be Well Capitalized to Risk Weighted Assets	6.50%
Common Equity Tier One Capital Ratio	0.1015	0.1065
Common Equity Tier One Capital	$ 13,261	$ 9,438
Tier One Risk Based Capital Required for Capital Adequacy to Risk Weighted Assets	0.0600
Tier One Risk Based Capital Conservation Buffer Plus Capital Required for Capital Adequacy to Risk Weighted Assets	8.50%
Tier One Risk Based Capital Required to be Well Capitalized to Risk Weighted Assets	0.0800
Tier One Risk Based Capital to Risk Weighted Assets	0.1106	0.1197
Tier One Leverage Capital	$ 14,445	$ 10,601
Capital Required for Capital Adequacy to Risk Weighted Assets	0.0800
Capital Conservation Buffer Plus Capital required for Capital Adequacy to Risk Weighted Assets	10.50%
Capital Required to be Well Capitalized to Risk Weighted Assets	0.1000
Capital to Risk Weighted Assets	0.1258	0.1358
Capital	$ 16,427	$ 12,032
Tier One Leverage Capital Required for Capital Adequacy to Average Assets	0.0400
Tier One Leverage Capital Required to be Well Capitalized to Average Assets	0.0500
Tier One Leverage Capital to Average Assets	0.0860	0.0894

OTHER REGULATORY MATTERS - Narr

OTHER REGULATORY MATTERS - Narrative (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
BankingRegulation [Abstract]
Average required reserve balance on deposits	$ 7,200	$ 3,900
Amount bank could lend to single affiliate	1,600
Cash dividends paid to the holding company	$ 1,400

PARENT-ONLY FINANCIAL STATEME_3

PARENT-ONLY FINANCIAL STATEMENTS - Balance Sheet (Details) - USD ($) $ in Millions	Dec. 31, 2021	Dec. 31, 2020
Assets
Accrued interest receivable and other assets	$ 5,094	$ 3,679
Total assets	174,064	123,038
Liabilities and shareholders’ equity
Long-term borrowings	7,108	8,352
Other liabilities	4,041	2,562
Total liabilities	154,746	110,045
Shareholders’ equity	19,297	12,993
Total liabilities and shareholders’ equity	174,064	123,038
Parent Company
Assets
Cash and due from banks	2,832	4,466
Due from The Huntington National Bank	297	297
Due from non-bank subsidiaries	35	37
Investment in The Huntington National Bank	19,297	12,509
Investment in non-bank subsidiaries	217	147
Accrued interest receivable and other assets	544	429
Total assets	23,222	17,885
Liabilities and shareholders’ equity
Long-term borrowings	3,111	4,142
Other liabilities	815	750
Total liabilities	3,926	4,892
Shareholders’ equity	19,296	12,993
Total liabilities and shareholders’ equity	$ 23,222	$ 17,885

PARENT-ONLY FINANCIAL STATEME_4

PARENT-ONLY FINANCIAL STATEMENTS - Income Statement (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Interest from:
Other noninterest income	$ 200	$ 139	$ 164
Expense
Personnel costs	2,335	1,692	1,654
Other	323	214	221
Total noninterest expense	4,375	2,795	2,721
Provision (benefit) for income taxes	294	155	248
Increase (decrease) in undistributed net income (loss) of:
Net income attributable to Huntington Bancshares Inc	1,295	817	1,411
Translation adjustments, net of hedges	(421)	448	353
Comprehensive income attributable to Huntington Bancshares	874	1,265	1,764
Parent Company
Dividends from:
The Huntington National Bank	1,394	1,527	685
Non-bank subsidiaries	19	36	3
Interest from:
The Huntington National Bank	3	4	8
Non-bank subsidiaries	1	1	2
Other noninterest income	0	11	2
Total income	1,417	1,579	700
Expense
Personnel costs	6	17	6
Interest on borrowings	60	115	143
Other	230	123	145
Total noninterest expense	296	255	294
Income before income taxes	1,121	1,324	406
Provision (benefit) for income taxes	(56)	(46)	(63)
Income before equity in undistributed net income of subsidiaries	1,177	1,370	469
Increase (decrease) in undistributed net income (loss) of:
The Huntington National Bank	97	(547)	908
Non-bank subsidiaries	21	(6)	34
Net income attributable to Huntington Bancshares Inc	1,295	817	1,411
Translation adjustments, net of hedges	(421)	448	353
Comprehensive income attributable to Huntington Bancshares	$ 874	$ 1,265	$ 1,764

PARENT-ONLY FINANCIAL STATEME_5

PARENT-ONLY FINANCIAL STATEMENTS - Cash Flow Statement (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Operating activities
Net income attributable to Huntington Bancshares Inc	$ 1,295	$ 817	$ 1,411
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation and amortization	391	367	386
Net cash provided by (used in) operating activities	2,062	1,323	1,574
Investing activities
Sales of available-for-sale securities	5,892	392	3,903
Net cash received from business combination	466	0	0
Net cash provided by (used in) investing activities	(3,962)	(8,639)	(1,877)
Financing activities
Net proceeds from issuance of medium-term notes	(1,245)	(2,373)	586
Payment of long-term debt	(3,404)	(3,052)	(743)
Repurchases of common stock	(650)	(92)	(441)
Net proceeds from issuance of preferred stock	486	988	0
Payment to repurchase preferred stock	(700)	0	0
Other, net	(48)	(19)	(24)
Net cash provided by (used for) financing activities	827	12,741	(1,199)
Increase (decrease) in cash and cash equivalents	(1,073)	5,425	(1,502)
Cash and cash equivalents at beginning of period	6,595	1,170	2,672
Cash and cash equivalents at end of period	5,522	6,595	1,170
Supplemental Cash Flow Information [Abstract]
Interest paid	185	453	989
Parent Company
Operating activities
Net income attributable to Huntington Bancshares Inc	1,295	817	1,411
Adjustments to reconcile net income to net cash provided by operating activities:
Equity in undistributed net income of subsidiaries	(118)	553	(942)
Depreciation and amortization	23	0	(2)
Other, net	(217)	89	(19)
Net cash provided by (used in) operating activities	983	1,459	448
Investing activities
Repayments from subsidiaries	8	8	701
Advances to subsidiaries	(59)	(256)	(11)
Sales of available-for-sale securities	(28)	(1)	(38)
Net cash received from business combination	248	0	0
Net cash provided by (used in) investing activities	169	(249)	652
Financing activities
Net proceeds from issuance of medium-term notes	513	747	797
Payment of long-term debt	(1,508)	(800)	0
Net proceeds from issuance of long-term borrowings	(888)	(698)	(671)
Repurchases of common stock	(650)	(92)	(441)
Net proceeds from issuance of preferred stock	486	988	0
Payment to repurchase preferred stock	(700)	0	0
Other, net	(39)	(8)	(18)
Net cash provided by (used for) financing activities	(2,786)	137	(333)
Increase (decrease) in cash and cash equivalents	(1,634)	1,347	767
Cash and cash equivalents at beginning of period	4,466	3,119	2,352
Cash and cash equivalents at end of period	2,832	4,466	3,119
Supplemental Cash Flow Information [Abstract]
Interest paid	$ 71	$ 113	$ 135

SEGMENT REPORTING (Details)

SEGMENT REPORTING (Details) $ in Millions	12 Months Ended
SEGMENT REPORTING (Details) $ in Millions	Dec. 31, 2021USD ($)business_unitsegment	Dec. 31, 2020USD ($)	Dec. 31, 2019USD ($)
Segment Reporting [Abstract]
Number of reportable segments \| segment	4
Number of business units \| business_unit	5
Revenues threshold	$ 20
Segment Reporting Information [Line Items]
Net interest income	4,102	$ 3,224	$ 3,213
Provision for loan and lease losses	25	1,048	287
Noninterest income	1,889	1,591	1,454
Noninterest expense	4,375	2,795	2,721
Provision (benefit) for income taxes	294	155	248
Income attributable to non-controlling interest	2	0	0
Net income attributable to Huntington Bancshares Inc	1,295	817	1,411
Total assets	174,064	123,038
Deposits	143,263	98,948
Operating Segments \| Consumer & Business Banking
Segment Reporting Information [Line Items]
Net interest income	1,667	1,436	1,766
Provision for loan and lease losses	91	265	114
Noninterest income	1,045	945	825
Noninterest expense	2,231	1,774	1,673
Provision (benefit) for income taxes	82	72	169
Income attributable to non-controlling interest	0
Net income attributable to Huntington Bancshares Inc	308	270	635
Total assets	39,929	30,758
Deposits	95,352	60,910
Operating Segments \| Commercial Banking
Segment Reporting Information [Line Items]
Net interest income	1,284	903	1,037
Provision for loan and lease losses	4	626	132
Noninterest income	523	364	359
Noninterest expense	791	542	564
Provision (benefit) for income taxes	212	21	147
Income attributable to non-controlling interest	2
Net income attributable to Huntington Bancshares Inc	798	78	553
Total assets	57,071	36,311
Deposits	31,845	24,766
Operating Segments \| Vehicle Finance
Segment Reporting Information [Line Items]
Net interest income	468	430	397
Provision for loan and lease losses	(86)	146	44
Noninterest income	13	9	12
Noninterest expense	163	141	148
Provision (benefit) for income taxes	85	32	45
Income attributable to non-controlling interest	0
Net income attributable to Huntington Bancshares Inc	319	120	172
Total assets	20,752	19,789
Deposits	1,401	722
Operating Segments \| RBHPCG
Segment Reporting Information [Line Items]
Net interest income	159	160	198
Provision for loan and lease losses	16	11	(3)
Noninterest income	227	201	198
Noninterest expense	300	243	256
Provision (benefit) for income taxes	15	22	30
Income attributable to non-controlling interest	0
Net income attributable to Huntington Bancshares Inc	55	85	113
Total assets	8,325	7,064
Deposits	10,162	7,635
Treasury / Other
Segment Reporting Information [Line Items]
Net interest income	524	295	(185)
Provision for loan and lease losses	0	0	0
Noninterest income	81	72	60
Noninterest expense	890	95	80
Provision (benefit) for income taxes	(100)	8	(143)
Income attributable to non-controlling interest	0
Net income attributable to Huntington Bancshares Inc	(185)	264	$ (62)
Total assets	47,987	29,116
Deposits	$ 4,503	$ 4,915