Huntington Bancshares (HBAN) 10-Q27 Oct 232023 Q3 Quarterly reportFinancial data

Company Profile

Cover Page

Cover Page	9 Months Ended
Cover Page	Sep. 30, 2023 shares
Entity Information [Line Items]
Document Type	10-Q
Document Quarterly Report	true
Document Period End Date	Sep. 30, 2023
Document Transition Report	false
Entity Registrant Name	Huntington Bancshares Incorporated
Entity Incorporation, State or Country Code	MD
Entity File Number	1-34073
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 Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Large Accelerated Filer
Entity Small Business	false
Entity Emerging Growth Company	false
Entity Shell Company	false
Entity Common Stock, Shares Outstanding	1,448,075,093
Entity Central Index Key	0000049196
Amendment Flag	false
Document Fiscal Year Focus	2023
Document Fiscal Period Focus	Q3
Current Fiscal Year End Date	--12-31
Series H 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
Series I 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
Series J Preferred Stock
Entity Information [Line Items]
Title of 12(b) Security	Depositary Shares (each representing a 1/40th interest in a share of 6.875% Series J Non-Cumulative, perpetual preferred stock)
Trading Symbol	HBANL
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

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($) $ in Millions		Sep. 30, 2023	Dec. 31, 2022
Assets
Cash and due from banks		$ 1,602	$ 1,796
Interest-bearing deposits at Federal Reserve Bank		9,833	4,908
Interest-bearing deposits in banks		258	214
Trading account securities		121	19
Available-for-sale securities		21,863	23,423
Held-to-maturity securities		16,148	17,052
Other securities		718	854
Loans held for sale (includes $758 and $1,270 respectively, measured at fair value)	[1]	603	529
Loans and leases (includes $182 and $171 respectively, measured at fair value)	[1]	120,853	119,523
Allowance for loan and lease losses		(2,208)	(2,121)
Net loans and leases		118,645	117,402
Bank owned life insurance		2,757	2,753
Accrued income and other receivables		1,496	1,573
Premises and equipment		1,096	1,156
Goodwill		5,561	5,571
Servicing rights and other intangible assets		718	712
Other assets		5,231	4,944
Total assets		186,650	182,906
Liabilities
Demand deposits—noninterest-bearing		31,666	38,242
Interest-bearing		117,201	109,672
Total deposits		148,867	147,914
Short-term borrowings		681	2,027
Long-term debt		12,822	9,686
Other liabilities		5,750	5,510
Total liabilities		168,120	165,137
Commitments and Contingent Liabilities (Note 15)
Shareholders’ Equity
Preferred stock		2,484	2,167
Common stock		15	14
Capital surplus		15,363	15,309
Less treasury shares, at cost		(91)	(80)
Accumulated other comprehensive income (loss)		(3,622)	(3,098)
Retained earnings		4,334	3,419
Total Huntington shareholders’ equity		18,483	17,731
Non-controlling interest		47	38
Total equity		18,530	17,769
Total liabilities and equity		$ 186,650	$ 182,906
Common shares authorized (in shares)		2,250,000,000	2,250,000,000
Common share outstanding (in shares)		1,448,075,093	1,443,068,036
Treasury shares outstanding (in shares)		7,391,874	6,322,052
Preferred stock, authorized shares (in shares)		6,617,808	6,617,808
Preferred shares outstanding (in shares)		882,500	557,500

[1] Amounts represent loans for which Huntington has elected the fair value option. See Note 12 “ Fair Values of Assets and Liabilities ”.

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parenthetical) - USD ($) $ in Millions	Sep. 30, 2023	Dec. 31, 2022
Assets
Loans held for sale, fair value	$ 601	$ 520
Loans and leases, fair value	$ 175	$ 185
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 Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022
Interest and fee income:
Loans and leases	$ 1,764	$ 1,268	$ 5,022	$ 3,350
Available-for-sale securities
Taxable	259	165	743	378
Tax-exempt	29	20	78	52
Held-to-maturity securities—taxable	99	95	303	251
Other securities—taxable	19	7	40	18
Other	143	34	380	66
Total interest income	2,313	1,589	6,566	4,115
Interest expense:
Deposits	713	92	1,689	128
Short-term borrowings	17	22	151	36
Long-term debt	215	71	603	140
Total interest expense	945	185	2,443	304
Net interest income	1,368	1,404	4,123	3,811
Provision for credit losses	99	106	276	198
Net interest income after provision for credit losses	1,269	1,298	3,847	3,613
Service charges on deposit accounts	97	93	267	295
Card and payment processing income	103	96	298	278
Capital markets fees	49	73	165	169
Trust and investment management services	62	60	192	188
Mortgage banking income	27	26	86	119
Leasing revenue	32	29	83	91
Insurance income	31	28	95	86
Gain on sale of loans	2	15	13	55
Bank owned life insurance income	18	13	50	41
Net (losses) gains on sales of securities	0	0	(4)	0
Other noninterest income	88	65	271	160
Total noninterest income	509	498	1,516	1,482
Personnel costs	622	614	1,884	1,771
Outside data processing and other services	149	145	448	463
Equipment	65	60	193	202
Net occupancy	67	63	181	185
Marketing	29	24	86	69
Professional services	27	18	64	56
Deposit and other insurance expense	25	15	68	53
Amortization of intangibles	12	13	38	40
Lease financing equipment depreciation	6	11	22	36
Other noninterest expense	88	90	242	249
Total noninterest expense	1,090	1,053	3,226	3,124
Income before income taxes	688	743	2,137	1,971
Provision for income taxes	136	146	414	371
Income after income taxes	552	597	1,723	1,600
Income attributable to non-controlling interest	5	3	15	7
Net income attributable to Huntington	547	594	1,708	1,593
Dividends on preferred shares	37	29	106	85
Net income available to common shareholders, basic	$ 510	$ 565	$ 1,602	$ 1,508
Average common shares—basic (in shares)	1,447,993	1,442,591	1,445,878	1,440,740
Average common shares—diluted (in shares)	1,467,611	1,465,083	1,467,537	1,464,234
Per common share:
Net income—basic (in usd per share)	$ 0.35	$ 0.39	$ 1.11	$ 1.05
Net income—diluted (in usd per share)	$ 0.35	$ 0.39	$ 1.09	$ 1.03

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income - USD ($) $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022
Statement of Comprehensive Income [Abstract]
Net income attributable to Huntington	$ 547	$ 594	$ 1,708	$ 1,593
Other comprehensive income (loss), net of tax:
Net unrealized gains (losses) on available-for-sale securities	(633)	(971)	(529)	(2,970)
Net impact of fair value hedges on available-for-sale securities	67	250	34	705
Net change related to cash flow hedges on loans	(50)	(456)	(30)	(782)
Translation adjustments, net of hedges	(1)	(4)	0	(6)
Change in accumulated unrealized gains for pension and other post-retirement obligations	1	3	1	6
Other comprehensive income (loss), net of tax	(616)	(1,178)	(524)	(3,047)
Comprehensive income (loss) attributable to Huntington	(69)	(584)	1,184	(1,454)
Comprehensive income attributed to non-controlling interest	5	3	15	7
Comprehensive income (loss)	$ (64)	$ (581)	$ 1,199	$ (1,447)

Consolidated Statements of Chan

Consolidated Statements of Changes in Shareholders' Equity - USD ($) $ in Millions	Total	Preferred Stock	Common Stock	Capital Surplus	Treasury Stock	AOCI	Retained Earnings	Huntington Shareholders’ Equity	Non-controlling Interest
Balance, beginning of period at Dec. 31, 2021	$ 19,318	$ 2,167	$ 14	$ 15,222	$ (79)	$ (229)	$ 2,202	$ 19,297	$ 21
Balance, beginning of period, common stock (in shares) at Dec. 31, 2021			1,444,040,000
Balance, beginning of period, treasury stock (in shares) at Dec. 31, 2021					(6,298,000)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	1,600						1,593	1,593	7
Other comprehensive income (loss), net of tax	(3,047)					(3,047)		(3,047)
Cash dividends declared:
Common	(681)						(681)	(681)
Preferred	(85)						(85)	(85)
Recognition of the fair value of share-based compensation	82			82				82
Other share-based compensation activity (in shares)			5,036,000
Other share-based compensation activity	(22)		$ 0	(22)			0	(22)
Other (in shares)					(44,000)
Other	6				$ (1)		0	(1)	7
Balance, end of period at Sep. 30, 2022	17,171	2,167	$ 14	15,282	$ (80)	(3,276)	3,029	17,136	35
Balance, end of period, common stock (in shares) at Sep. 30, 2022			1,449,076,000
Balance, end of period, treasury stock (in shares) at Sep. 30, 2022					(6,342,000)
Balance, beginning of period at Jun. 30, 2022	17,979	2,167	$ 14	15,261	$ (85)	(2,098)	2,691	17,950	29
Balance, beginning of period, common stock (in shares) at Jun. 30, 2022			1,448,885,000
Balance, beginning of period, treasury stock (in shares) at Jun. 30, 2022					(6,691,000)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	597						594	594	3
Other comprehensive income (loss), net of tax	(1,178)					(1,178)		(1,178)
Cash dividends declared:
Common	(227)						(227)	(227)
Preferred	(29)						(29)	(29)
Recognition of the fair value of share-based compensation	19			19				19
Other share-based compensation activity (in shares)			191,000
Other share-based compensation activity	2			2				2
Other (in shares)					349,000
Other	8				$ 5			5	3
Balance, end of period at Sep. 30, 2022	17,171	2,167	$ 14	15,282	$ (80)	(3,276)	3,029	17,136	35
Balance, end of period, common stock (in shares) at Sep. 30, 2022			1,449,076,000
Balance, end of period, treasury stock (in shares) at Sep. 30, 2022					(6,342,000)
Balance, beginning of period at Dec. 31, 2022	$ 17,769	$ 2,167	$ 14	15,309	$ (80)	(3,098)	3,419	17,731	38
Balance, beginning of period, common stock (in shares) at Dec. 31, 2022	1,443,068,036		1,449,390,000
Balance, beginning of period, treasury stock (in shares) at Dec. 31, 2022	(6,322,052)				(6,322,000)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	$ 1,723						1,708	1,708	15
Other comprehensive income (loss), net of tax	(524)					(524)		(524)
Net proceeds from issuance of Series J Preferred Stock (in shares)		317,000,000
Net proceeds from issuance of Series J preferred stock	317							317
Cash dividends declared:
Common	(683)						(683)	(683)
Preferred	(106)						(106)	(106)
Recognition of the fair value of share-based compensation	73			73				73
Other share-based compensation activity (in shares)			6,077,000
Other share-based compensation activity	(22)		$ 1	(19)			(4)	(22)
Other (in shares)					(1,070,000)
Other	(17)				$ (11)			(11)	(6)
Balance, end of period at Sep. 30, 2023	$ 18,530	$ 2,484	$ 15	15,363	$ (91)	(3,622)	4,334	18,483	47
Balance, end of period, common stock (in shares) at Sep. 30, 2023	1,448,075,093		1,455,467,000
Balance, end of period, treasury stock (in shares) at Sep. 30, 2023	(7,391,874)				(7,392,000)
Balance, beginning of period at Jun. 30, 2023	$ 18,838	2,484	$ 15	15,335	$ (92)	(3,006)	4,052	18,788	50
Balance, beginning of period, common stock (in shares) at Jun. 30, 2023			1,455,312,000
Balance, beginning of period, treasury stock (in shares) at Jun. 30, 2023					(7,430,000)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	552						547	547	5
Other comprehensive income (loss), net of tax	(616)					(616)		(616)
Cash dividends declared:
Common	(228)						(228)	(228)
Preferred	(37)						(37)	(37)
Recognition of the fair value of share-based compensation	26			26				26
Other share-based compensation activity (in shares)			155,000
Other share-based compensation activity	2			2				2
Other (in shares)					38,000
Other	(7)				$ 1			1	(8)
Balance, end of period at Sep. 30, 2023	$ 18,530	$ 2,484	$ 15	$ 15,363	$ (91)	$ (3,622)	$ 4,334	$ 18,483	$ 47
Balance, end of period, common stock (in shares) at Sep. 30, 2023	1,448,075,093		1,455,467,000
Balance, end of period, treasury stock (in shares) at Sep. 30, 2023	(7,391,874)				(7,392,000)

Consolidated Statements of Ch_2

Consolidated Statements of Changes in Shareholders' Equity (Parenthetical) - $ / shares	3 Months Ended		9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022
Statement of Stockholders' Equity [Abstract]
Common dividends declared (in usd per share)	$ 0.155	$ 0.155	$ 0.465	$ 0.465

Consolidated Statements of Cash

Consolidated Statements of Cash Flows - USD ($) $ in Millions	9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022
Operating activities
Income after income taxes	$ 1,723	$ 1,600
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for credit losses	276	198
Depreciation and amortization	558	355
Share-based compensation expense	73	82
Deferred income tax expense	12	164
Net change in:
Trading account securities	(102)	15
Loans held for sale	(159)	464
Other assets	(915)	(1,109)
Other liabilities	289	893
Other, net	4	8
Net cash provided by operating activities	1,759	2,670
Investing activities
Change in interest bearing deposits in banks	(24)	287
Net cash paid from business combinations	0	(223)
Proceeds from:
Maturities and calls of available-for-sale securities	1,743	3,298
Maturities and calls of held-to-maturity securities	1,132	2,306
Maturities and calls of other securities	596	829
Sales of available-for-sale securities	738	0
Sales of other securities	143	9
Purchases of available-for-sale securities	(1,710)	(6,365)
Purchases of held-to-maturity securities	(255)	(2,845)
Purchases of other securities	(603)	(1,009)
Net proceeds from sales of portfolio loans and leases	355	937
Principal payments received under direct finance and sales-type leases	1,411	1,389
Net loan and lease activity, excluding sales and purchases	(3,273)	(8,375)
Purchases of premises and equipment	(80)	(165)
Purchases of loans and leases	(52)	(569)
Net accrued income and other receivables activity	126	96
Other, net	65	54
Net cash (used in) provided by investing activities	312	(10,346)
Financing activities
Increase in deposits	953	3,050
Increase (decrease) in short-term borrowings	(1,066)	783
Net proceeds from issuance of long-term debt	14,897	5,379
Maturity/redemption of long-term debt	(11,632)	(1,902)
Dividends paid on preferred stock	(97)	(84)
Dividends paid on common stock	(674)	(673)
Net proceeds from issuance of preferred stock	317	0
Other, net	(38)	(23)
Net cash provided by financing activities	2,660	6,530
Increase (decrease) in cash and cash equivalents	4,731	(1,146)
Cash and cash equivalents at beginning of period	6,704	5,522
Cash and cash equivalents at end of period	11,435	4,376
Supplemental disclosures:
Interest paid	2,342	269
Income taxes (received) paid	6	(113)
Non-cash activities
Loans transferred to held-for-sale from portfolio	336	764
Loans transferred to portfolio from held-for-sale	18	65
Transfer of securities from available-for-sale to held-to-maturity	$ 0	$ 4,225

BASIS OF PRESENTATION

BASIS OF PRESENTATION	9 Months Ended
BASIS OF PRESENTATION	Sep. 30, 2023
Organization, Consolidation and Presentation of Financial Statements [Abstract]
BASIS OF PRESENTATION	BASIS OF PRESENTATION The accompanying Unaudited Consolidated Financial Statements of Huntington reflect all adjustments consisting of normal recurring accruals which are, in the opinion of management, necessary for a fair statement of the consolidated financial position, the results of operations, and cash flows for the periods presented. These Unaudited Consolidated Financial Statements have been prepared according to the rules and regulations of the SEC and, therefore, certain information and footnote disclosures normally included in annual financial statements prepared in accordance with GAAP have been omitted. The Notes to Consolidated Financial Statements appearing in Huntington’s 2022 Annual Report on Form 10-K, which include descriptions of significant accounting policies, as updated by the information contained in this report, should be read in conjunction with these interim financial statements. During the 2023 second quarter, Huntington revised its process for assessing and monitoring the risk and performance of non-real estate secured commercial loans, primarily loans to REITs. These loans were reclassified from commercial real estate to the commercial and industrial loan category to align reporting with this process revision. All prior period results have been adjusted to conform to the current presentation. During the 2023 second quarter, Huntington completed an organizational realignment and now reports on two business segments: Consumer & Regional Banking and Commercial Banking. The Treasury / Other function includes technology and operations, other unallocated assets, liabilities, revenue, and expense. Huntington’s business segments are based on our internally-aligned segment leadership structure, which is how management monitors results and assesses performance. The organizational realignment primarily involved consolidating our previously reported Consumer and Business Banking, Vehicle Finance and RBHPCG, into one new business segment called Consumer & Regional Banking. Prior period results have been adjusted to conform to the new segment presentation. See Note 16 “Segment Reporting” for a description of our business segments. Effective January 1, 2023, Huntington adopted ASU 2022-02 Financial Instruments - Credit Losses (Topic 326) Troubled Debt Restructurings (TDR) and Vintage Disclosures, which removed the existing measurement and disclosure requirements for TDR loans and added additional disclosure requirements related to modifications provided to borrowers experiencing financial difficulty. Prior to adoption a change in contractual terms of a loan where a borrower was experiencing financial difficulty and received a concession not available through other sources the loans was required to be disclosed as a TDR, whereas now a borrower that is experiencing financial difficulty and receives a modification in the form of principal forgiveness, interest rate reduction, an other-than-insignificant payment delay or a term extension in the current period needs to be disclosed. Huntington may modify loans to borrowers experiencing financial difficulty as a way of managing risk and mitigating credit loss from the borrower. Huntington may make various types of modifications and may in certain circumstances use a combination of modification types in order to mitigate future loss. The amount of defined modifications given to borrowers experiencing financial difficulty is disclosed in the Notes to the Consolidated Financial Statements, along with the financial impact of those modifications. In conjunction with applicable accounting standards, all material subsequent events have been either recognized in the Unaudited Consolidated Financial Statements or disclosed in the Notes to Unaudited Consolidated Financial Statements. There were no material subsequent events to disclose for the current period.

ACCOUNTING STANDARDS UPDATE

ACCOUNTING STANDARDS UPDATE	9 Months Ended
ACCOUNTING STANDARDS UPDATE	Sep. 30, 2023
Accounting Standards Update and Change in Accounting Principle [Abstract]
ACCOUNTING STANDARDS UPDATE	ACCOUNTING STANDARDS UPDATE Accounting standards adopted in the current period Standard Summary of guidance Effects on financial Statements ASU 2022-02- Financial Instruments - Credit Losses (Topic 326): Troubled Debt Restructurings and Vintage Disclosures Issued March 2022 • The amendments in this update eliminate TDR accounting while enhancing disclosure requirements for certain loan modifications when a borrower is experiencing financial difficulty. The ASU also requires disclosure of current period gross charge-offs by year of origination for financing receivables and net investments in leases. • Management adopted the guidance during the first quarter 2023. • The ASU has been applied prospectively, except the portion of the standard related to the recognition and measurement of TDRs where we elected to use a modified retrospective transition method. • The adoption did not result in a material impact on Huntington’s Unaudited Consolidated Financial Statements. Accounting standards yet to be adopted Standard Summary of guidance Effects on financial statements ASU 2023-02 Investments - Equity Method and Joint Ventures (Topic 323): Accounting for Investments in Tax Credit Structures Using the Proportional Amortization Method Issued: March 2023 • Permits the election of the proportional amortization method for any tax equity investment that meets specific criteria. • Requires that the election be made on a tax-credit-program-by-tax-credit-program basis. • Receipt of tax credits must be accounted for using the flow through method. • Required that a liability be recorded for delayed equity contributions. • Expands disclosure requirements for the nature of investments and financial statement effect. • Effective for fiscal years beginning after December 15, 2023, including interim periods within those fiscal years. • Early adoption is permitted in any interim period. • If adopted in an interim period, it shall be adopted as if adopted at the beginning of the fiscal year. • The amendments can be applied in retrospective or modified retrospective basis, with a cumulative effect adjustment reflected in retained earnings. • Huntington does not expect adoption of the standard to have a material impact on its Unaudited Consolidated Financial Statements.

INVESTMENT SECURITIES AND OTHER

INVESTMENT SECURITIES AND OTHER SECURITIES	9 Months Ended
INVESTMENT SECURITIES AND OTHER SECURITIES	Sep. 30, 2023
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 September 30, 2023 and December 31, 2022: Unrealized (dollar amounts in millions) Amortized Cost (1)(2) Gross Gross Fair Value At September 30, 2023 Available-for-sale securities: U.S. Treasury $ 5 $ — $ — $ 5 Federal agencies: Residential CMO 3,661 1 (531) 3,131 Residential MBS 13,445 — (2,529) 10,916 Commercial MBS 2,544 — (815) 1,729 Other agencies 168 — (9) 159 Total U.S. Treasury, federal agency, and other agency securities 19,823 1 (3,884) 15,940 Municipal securities 3,702 1 (226) 3,477 Private-label CMO 133 — (15) 118 Asset-backed securities 391 — (40) 351 Corporate debt 2,209 109 (345) 1,973 Other securities/Sovereign debt 4 — — 4 Total available-for-sale securities $ 26,262 $ 111 $ (4,510) $ 21,863 Held-to-maturity securities: Federal agencies: Residential CMO $ 4,881 $ — $ (839) $ 4,042 Residential MBS 9,578 — (1,691) 7,887 Commercial MBS 1,580 — (300) 1,280 Other agencies 107 — (9) 98 Total federal agency and other agency securities 16,146 — (2,839) 13,307 Municipal securities 2 — — 2 Total held-to-maturity securities $ 16,148 $ — $ (2,839) $ 13,309 Other securities, at cost: Non-marketable equity securities: Federal Home Loan Bank stock $ 156 $ — $ — $ 156 Federal Reserve Bank stock 517 — — 517 Equity securities 15 — — 15 Other securities, at fair value: Mutual funds 29 — — 29 Equity securities 1 — — 1 Total other securities $ 718 $ — $ — $ 718 (1) Amortized cost amounts exclude accrued interest receivable, which is recorded within accrued income and other receivables on the Consolidated Balance Sheet s . At September 30, 2023, accrued interest receivable on available-for-sale securities and held-to-maturity securities totaled $70 million and $37 million, respectively. (2) Excluded from the amortized cost are portfolio level basis adjustments for securities designated in fair value hedges under the portfolio layer method. The basis adjustments totaled $916 million and represent a reduction to the amortized cost of the securities being hedged. The securities being hedged under the portfolio layer method are primarily Residential CMO and Residential MBS securities. Unrealized (dollar amounts in millions) Amortized Gross Gross Fair Value At December 31, 2022 Available-for-sale securities: U.S. Treasury $ 103 $ — $ — $ 103 Federal agencies: Residential CMO 3,336 — (422) 2,914 Residential MBS 14,349 4 (2,090) 12,263 Commercial MBS 2,565 — (612) 1,953 Other agencies 190 1 (9) 182 Total U.S. Treasury, federal agency, and other agency securities 20,543 5 (3,133) 17,415 Municipal securities 3,527 1 (238) 3,290 Private-label CMO 146 — (18) 128 Asset-backed securities 416 — (44) 372 Corporate debt 2,467 132 (385) 2,214 Other securities/Sovereign debt 4 — — 4 Total available-for-sale securities $ 27,103 $ 138 $ (3,818) $ 23,423 Held-to-maturity securities: Federal agencies: Residential CMO $ 4,970 $ 4 $ (714) $ 4,260 Residential MBS 10,295 — (1,375) 8,920 Commercial MBS 1,652 — (204) 1,448 Other agencies 133 — (9) 124 Total federal agency and other agency securities 17,050 4 (2,302) 14,752 Municipal securities 2 — — 2 Total held-to-maturity securities $ 17,052 $ 4 $ (2,302) $ 14,754 Other securities, at cost: Non-marketable equity securities: Federal Home Loan Bank stock $ 312 $ — $ — $ 312 Federal Reserve Bank stock 500 — — 500 Equity securities 10 — — 10 Other securities, at fair value: Mutual funds 31 — — 31 Equity securities 1 — — 1 Total other securities $ 854 $ — $ — $ 854 (1) Amortized cost amounts exclude accrued interest receivable, which is recorded within accrued income and other receivables on the Consolidated Balance Sheet s . At December 31, 2022, accrued interest receivable on available-for-sale securities and held-to-maturity securities totaled $64 million and $39 million, respectively. (2) Excluded from the amortized cost are portfolio level basis adjustments for securities designated in fair value hedges under the portfolio layer method. The basis adjustments totaled $849 million and represent a reduction to the amortized cost of the securities being hedged. The securities being hedged under the portfolio layer method are primarily Residential CMO and Residential MBS securities. The following table provides the amortized cost and fair value of securities by contractual maturity at September 30, 2023 and December 31, 2022. Expected maturities may differ from contractual maturities as issuers may have the right to call or prepay obligations with or without incurring penalties. At September 30, 2023 At December 31, 2022 (dollar amounts in millions) Amortized Cost Fair Value Amortized Cost Fair Value Available-for-sale securities: Under 1 year $ 434 $ 425 $ 518 $ 511 After 1 year through 5 years 2,636 2,437 2,182 2,033 After 5 years through 10 years 2,537 2,321 3,106 2,814 After 10 years 20,655 16,680 21,297 18,065 Total available-for-sale securities $ 26,262 $ 21,863 $ 27,103 $ 23,423 Held-to-maturity securities: Under 1 year $ 1 $ 1 $ — $ — After 1 year through 5 years 52 49 72 68 After 5 years through 10 years 72 66 71 66 After 10 years 16,023 13,193 16,909 14,620 Total held-to-maturity securities $ 16,148 $ 13,309 $ 17,052 $ 14,754 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 September 30, 2023 and December 31, 2022: Less than 12 Months Over 12 Months Total (dollar amounts in millions) Fair Gross Unrealized Fair Gross Unrealized Fair Gross Unrealized At September 30, 2023 Available-for-sale securities: Federal agencies: Residential CMO $ 544 $ (16) $ 2,587 $ (515) $ 3,131 $ (531) Residential MBS 456 (21) 10,461 (2,508) 10,917 (2,529) Commercial MBS — — 1,729 (815) 1,729 (815) Other agencies 16 — 73 (9) 89 (9) Total federal agency and other agency securities 1,016 (37) 14,850 (3,847) 15,866 (3,884) Municipal securities 713 (29) 2,665 (197) 3,378 (226) Private-label CMO — — 95 (15) 95 (15) Asset-backed securities — — 351 (40) 351 (40) Corporate debt — — 1,973 (345) 1,973 (345) Total temporarily impaired available-for-sale securities $ 1,729 $ (66) $ 19,934 $ (4,444) $ 21,663 $ (4,510) Held-to-maturity securities: Federal agencies: Residential CMO $ 561 $ (16) $ 3,481 $ (823) $ 4,042 $ (839) Residential MBS 150 (7) 7,737 (1,684) 7,887 (1,691) Commercial MBS — — 1,280 (300) 1,280 (300) Other agencies — — 98 (9) 98 (9) Total federal agency and other agency securities 711 (23) 12,596 (2,816) 13,307 (2,839) Total temporarily impaired held-to-maturity securities $ 711 $ (23) $ 12,596 $ (2,816) $ 13,307 $ (2,839) Less than 12 Months Over 12 Months Total (dollar amounts in millions) Fair Gross Unrealized Fair Gross Unrealized Fair Gross Unrealized At December 31, 2022 Available-for-sale securities: Federal agencies: Residential CMO $ 2,096 $ (224) $ 818 $ (198) $ 2,914 $ (422) Residential MBS 2,455 (286) 9,490 (1,804) 11,945 (2,090) Commercial MBS 1,090 (249) 863 (363) 1,953 (612) Other agencies 40 (1) 56 (8) 96 (9) Total federal agency and other agency securities 5,681 (760) 11,227 (2,373) 16,908 (3,133) Municipal securities 2,298 (174) 807 (64) 3,105 (238) Private-label CMO 64 (13) 43 (5) 107 (18) Asset-backed securities 174 (10) 199 (34) 373 (44) Corporate debt 727 (105) 1,487 (280) 2,214 (385) Total temporarily impaired available-for-sale securities $ 8,944 $ (1,062) $ 13,763 $ (2,756) $ 22,707 $ (3,818) Held-to-maturity securities: Federal agencies: Residential CMO $ 1,702 $ (238) $ 2,283 $ (476) $ 3,985 $ (714) Residential MBS 4,151 (462) 4,711 (913) 8,862 (1,375) Commercial MBS 1,201 (154) 247 (50) 1,448 (204) Other agencies 124 (9) — — 124 (9) Total federal agency and other agency securities 7,178 (863) 7,241 (1,439) 14,419 (2,302) Total temporarily impaired held-to-maturity securities $ 7,178 $ (863) $ 7,241 $ (1,439) $ 14,419 $ (2,302) At September 30, 2023 and December 31, 2022, the carrying value of investment securities pledged: (i) to secure certain uninsured deposits, trading account liabilities, U.S. Treasury demand notes, and security repurchase agreements, and (ii) to support borrowing capacity totaled $32.6 billion and $26.9 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 September 30, 2023 or December 31, 2022. At September 30, 2023, all HTM debt securities are considered investment grade. In addition, there were no HTM debt securities considered past due at September 30, 2023. 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 of cash flows, as of September 30, 2023, Huntington has concluded that it expects to receive all contractual cash flows from each security held in its AFS and HTM debt securities portfolio. There was no allowance related to investment securities as of September 30, 2023 or December 31, 2022. A $4 million charge-off was recognized during the 2022 first quarter for one municipal bond classified as an AFS debt security.

LOANS AND LEASES

LOANS AND LEASES	9 Months Ended
LOANS AND LEASES	Sep. 30, 2023
Receivables [Abstract]
LOANS AND LEASES	LOANS AND LEASES The following table provides a detailed listing of Huntington’s loan and lease portfolio at September 30, 2023 and December 31, 2022. (dollar amounts in millions) At September 30, 2023 At December 31, 2022 Commercial loan and lease portfolio: Commercial and industrial $ 49,422 $ 48,121 Commercial real estate 12,668 13,640 Lease financing 5,161 5,252 Total commercial loan and lease portfolio 67,251 67,013 Consumer loan portfolio: Residential mortgage 23,427 22,226 Automobile 12,724 13,154 Home equity 10,118 10,375 RV and marine 5,937 5,376 Other consumer 1,396 1,379 Total consumer loan portfolio 53,602 52,510 Total loans and leases (1)(2) 120,853 119,523 Allowance for loan and lease losses (2,208) (2,121) Net loans and leases $ 118,645 $ 117,402 (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 $(150) million and $3 million at September 30, 2023 and December 31, 2022, respectively. (2) The total amount of accrued interest recorded for these loans and leases at September 30, 2023, was $323 million and $209 million of commercial and consumer loan and lease portfolios, respectively, and at December 31, 2022, was $274 million and $186 million of commercial and consumer loan and lease portfolios, respectively. Accrued interest is presented in accrued income and other receivables within the Consolidated Balance Sheet s. Lease Financing The following table presents net investments in lease financing receivables by category at September 30, 2023 and December 31, 2022. (dollar amounts in millions) At September 30, 2023 At December 31, 2022 Lease payments receivable $ 4,867 $ 4,916 Estimated residual value of leased assets 805 788 Gross investment in lease financing receivables 5,672 5,704 Deferred origination costs 53 46 Deferred fees, unearned income and other (564) (498) Total lease financing receivables $ 5,161 $ 5,252 The carrying value of residual values guaranteed was $481 million and $466 million as of September 30, 2023 and December 31, 2022, respectively. The future lease rental payments due from customers on sales-type and direct financing leases at September 30, 2023, totaled $4.9 billion and were due as follows: $813 million in 2023, $792 million in 2024, $722 million in 2025, $778 million in 2026, $764 million in 2027, and $998 million thereafter. Interest income recognized for these types of leases was $73 million and $41 million for the three-month periods ended September 30, 2023 and 2022, respectively. For the nine-month periods ended September 30, 2023 and 2022, interest income recognized for these types of leases was $211 million and $117 million, respectively. Nonaccrual and Past Due Loans and Leases The following table presents NALs by class at September 30, 2023 and December 31, 2022: At September 30, 2023 At December 31, 2022 (dollar amounts in millions) Nonaccrual loans and leases with no ACL Total nonaccrual loans and leases Nonaccrual loans and leases with no ACL Total nonaccrual loans and leases Commercial and industrial $ 48 $ 314 $ 49 $ 288 Commercial real estate 69 102 63 92 Lease financing 3 14 — 18 Residential mortgage — 75 — 90 Automobile — 4 — 4 Home equity — 82 — 76 RV and marine — 1 — 1 Total nonaccrual loans and leases $ 120 $ 592 $ 112 $ 569 The following tables present an aging analysis of loans and leases, by class at September 30, 2023 and December 31, 2022: Past Due (1) Loans Accounted for Under FVO Total Loans 90 or (dollar amounts in millions) 30-59 60-89 90 or Total Current At September 30, 2023 Commercial and industrial $ 45 $ 31 $ 81 $ 157 $ 49,265 $ — $ 49,422 $ — Commercial real estate 21 5 27 53 12,615 — 12,668 — Lease financing 39 18 9 66 5,095 — 5,161 7 (2) Residential mortgage 230 68 170 468 22,785 174 23,427 124 (3) Automobile 81 20 11 112 12,612 — 12,724 8 Home equity 56 28 76 160 9,957 1 10,118 19 RV and marine 17 5 3 25 5,912 — 5,937 2 Other consumer 11 5 3 19 1,377 — 1,396 3 Total loans and leases $ 500 $ 180 $ 380 $ 1,060 $ 119,618 $ 175 $ 120,853 $ 163 At December 31, 2022 Commercial and industrial $ 53 $ 19 $ 108 $ 180 $ 47,941 $ — $ 48,121 $ 23 (4) Commercial real estate 2 1 9 12 13,628 — 13,640 — Lease financing 36 18 10 64 5,188 — 5,252 9 (2) Residential mortgage 246 69 199 514 21,528 184 22,226 146 (3) Automobile 88 20 11 119 13,035 — 13,154 9 Home equity 56 30 66 152 10,222 1 10,375 15 RV and marine 15 5 3 23 5,353 — 5,376 3 Other consumer 13 3 3 19 1,360 — 1,379 2 Total loans and leases $ 509 $ 165 $ 409 $ 1,083 $ 118,255 $ 185 $ 119,523 $ 207 (1) NALs are included in this aging analysis based on the loan’s past due status. (2) Amounts include Huntington Technology Finance administrative lease delinquencies. (3) Amounts include mortgage loans insured by U.S. government agencies. (4) Amounts include SBA loans and leases. Credit Quality Indicators See Note 5 “Loans and Leases” to the Consolidated Financial Statements appearing in Huntington’s 2022 Annual Report on Form 10-K for a description of the credit quality indicators Huntington utilizes for monitoring credit quality and for determining an appropriate ACL level. For all classes within the consumer loan portfolios, borrower credit bureau scores are monitored as an indicator of credit quality. 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 tables present the amortized cost basis of loans and leases by vintage and credit quality indicator at September 30, 2023 and December 31, 2022 respectively: At September 30, 2023 Term Loans Amortized Cost Basis by Origination Year Revolver Total at Amortized Cost Basis Revolver Total Converted to Term Loans (dollar amounts in millions) 2023 2022 2021 2020 2019 Prior Total Commercial and industrial Credit Quality Indicator (1): Pass $ 12,138 $ 11,025 $ 4,096 $ 2,354 $ 1,381 $ 1,593 $ 13,929 $ 5 $ 46,521 OLEM 98 214 81 31 15 13 344 — 796 Substandard 306 324 193 159 151 230 732 — 2,095 Doubtful 9 1 — — — — — — 10 Total Commercial and industrial $ 12,551 $ 11,564 $ 4,370 $ 2,544 $ 1,547 $ 1,836 $ 15,005 $ 5 $ 49,422 Commercial real estate Credit Quality Indicator (1): Pass $ 1,200 $ 3,562 $ 2,050 $ 1,154 $ 1,294 $ 1,469 $ 533 $ — $ 11,262 OLEM 117 290 116 53 33 25 1 — 635 Substandard 152 234 103 18 133 115 16 — 771 Total Commercial real estate $ 1,469 $ 4,086 $ 2,269 $ 1,225 $ 1,460 $ 1,609 $ 550 $ — $ 12,668 Lease financing Credit Quality Indicator (1): Pass $ 1,449 $ 1,479 $ 933 $ 680 $ 298 $ 155 $ — $ — $ 4,994 OLEM 4 10 9 9 3 1 — — 36 Substandard 8 49 38 13 14 8 — — 130 Doubtful — — 1 — — — — — 1 Total Lease financing $ 1,461 $ 1,538 $ 981 $ 702 $ 315 $ 164 $ — $ — $ 5,161 Residential mortgage Credit Quality Indicator (2): 750+ $ 1,609 $ 3,972 $ 6,077 $ 3,330 $ 769 $ 2,253 $ — $ — $ 18,010 650-749 882 1,023 970 515 188 794 — — 4,372 <650 54 72 81 64 86 514 — — 871 Total Residential mortgage $ 2,545 $ 5,067 $ 7,128 $ 3,909 $ 1,043 $ 3,561 $ — $ — $ 23,253 Automobile Credit Quality Indicator (2): 750+ $ 1,993 $ 2,158 $ 1,709 $ 862 $ 457 $ 135 $ — $ — $ 7,314 650-749 1,250 1,423 1,007 426 205 78 — — 4,389 <650 164 306 294 134 75 48 — — 1,021 Total Automobile $ 3,407 $ 3,887 $ 3,010 $ 1,422 $ 737 $ 261 $ — $ — $ 12,724 Home equity Credit Quality Indicator (2): 750+ $ 322 $ 443 $ 530 $ 553 $ 18 $ 261 $ 4,490 $ 231 $ 6,848 650-749 99 103 68 59 7 105 2,046 231 2,718 <650 2 6 4 3 2 45 360 129 551 Total Home equity $ 423 $ 552 $ 602 $ 615 $ 27 $ 411 $ 6,896 $ 591 $ 10,117 RV and marine Credit Quality Indicator (2): 750+ $ 1,070 $ 1,007 $ 899 $ 616 $ 308 $ 647 $ — $ — $ 4,547 650-749 273 256 260 164 95 222 — — 1,270 <650 4 13 22 19 15 47 — — 120 Total RV and marine $ 1,347 $ 1,276 $ 1,181 $ 799 $ 418 $ 916 $ — $ — $ 5,937 Other consumer Credit Quality Indicator (2): 750+ $ 152 $ 89 $ 44 $ 22 $ 20 $ 53 $ 398 $ 3 $ 781 650-749 75 48 19 7 6 13 366 14 548 <650 4 6 3 1 2 1 37 13 67 Total Other consumer $ 231 $ 143 $ 66 $ 30 $ 28 $ 67 $ 801 $ 30 $ 1,396 (1) Consistent with the credit quality disclosures, indicators for the Commercial portfolio are based on internally defined categories of credit grades. (2) Consistent with the credit quality disclosures, indicators for the Consumer portfolio are based on updated customer credit scores refreshed at least quarterly. At December 31, 2022 Term Loans Amortized Cost Basis by Origination Year Revolver Total at Amortized Cost Basis Revolver Total Converted to Term Loans (dollar amounts in millions) 2022 2021 2020 2019 2018 Prior Total Commercial and industrial Credit Quality Indicator (1): Pass $ 18,092 $ 6,742 $ 3,332 $ 2,107 $ 1,156 $ 1,186 $ 13,060 $ 3 $ 45,678 OLEM 108 139 72 21 49 26 113 — 528 Substandard 368 183 203 212 142 256 550 — 1,914 Doubtful — — — — — 1 — — 1 Total Commercial and industrial $ 18,568 $ 7,064 $ 3,607 $ 2,340 $ 1,347 $ 1,469 $ 13,723 $ 3 $ 48,121 Commercial real estate Credit Quality Indicator (1): Pass $ 4,022 $ 3,115 $ 1,562 $ 1,662 $ 829 $ 1,020 $ 519 $ — $ 12,729 OLEM 61 53 1 43 6 9 — — 173 Substandard 231 116 92 74 84 140 1 — 738 Total Commercial real estate $ 4,314 $ 3,284 $ 1,655 $ 1,779 $ 919 $ 1,169 $ 520 $ — $ 13,640 Lease financing Credit Quality Indicator (1): Pass $ 1,930 $ 1,291 $ 952 $ 447 $ 186 $ 143 $ — $ — $ 4,949 OLEM 32 9 15 18 6 3 — — 83 Substandard 65 37 74 24 9 11 — — 220 Total Lease financing $ 2,027 $ 1,337 $ 1,041 $ 489 $ 201 $ 157 $ — $ — $ 5,252 Residential mortgage Credit Quality Indicator (2): 750+ $ 3,666 $ 6,274 $ 3,566 $ 846 $ 469 $ 2,070 $ — $ — $ 16,891 650-749 1,394 1,172 617 211 137 777 — — 4,308 <650 49 68 61 95 90 480 — — 843 Total Residential mortgage $ 5,109 $ 7,514 $ 4,244 $ 1,152 $ 696 $ 3,327 $ — $ — $ 22,042 Automobile Credit Quality Indicator (2): 750+ $ 2,770 $ 2,212 $ 1,243 $ 777 $ 289 $ 98 $ — $ — $ 7,389 650-749 1,944 1,508 683 367 162 52 — — 4,716 <650 307 352 173 115 67 35 — — 1,049 Total Automobile $ 5,021 $ 4,072 $ 2,099 $ 1,259 $ 518 $ 185 $ — $ — $ 13,154 Home equity Credit Quality Indicator (2): 750+ $ 463 $ 573 $ 611 $ 23 $ 20 $ 301 $ 4,787 $ 252 $ 7,030 650-749 131 88 68 9 8 122 2,129 261 2,816 <650 3 3 3 2 2 51 335 129 528 Total Home equity $ 597 $ 664 $ 682 $ 34 $ 30 $ 474 $ 7,251 $ 642 $ 10,374 RV and marine Credit Quality Indicator (2): 750+ $ 1,148 $ 1,031 $ 731 $ 361 $ 354 $ 438 $ — $ — $ 4,063 650-749 290 315 200 118 113 169 — — 1,205 <650 5 18 15 17 17 36 — — 108 Total RV and marine $ 1,443 $ 1,364 $ 946 $ 496 $ 484 $ 643 $ — $ — $ 5,376 Other consumer Credit Quality Indicator (2): 750+ $ 207 $ 64 $ 35 $ 34 $ 13 $ 52 $ 393 $ 3 $ 801 650-749 71 30 12 15 4 14 355 16 517 <650 3 3 2 3 1 2 33 14 61 Total Other consumer $ 281 $ 97 $ 49 $ 52 $ 18 $ 68 $ 781 $ 33 $ 1,379 (1) Consistent with the credit quality disclosures, indicators for the Commercial portfolio are based on internally defined categories of credit grades. (2) Consistent with the credit quality disclosures, indicators for the Consumer portfolio are based on updated customer credit scores refreshed at least quarterly. The following tables present the gross charge-offs of loans and leases by vintage. Term Loans Gross Charge-offs by Origination Year Revolver Gross Charge-offs Revolver Converted to Term Loans Gross Charge-offs (dollar amounts in millions) 2023 2022 2021 2020 2019 Prior Total Three months ended September 30, 2023 Commercial and industrial $ 2 $ 21 $ 6 $ 6 $ 15 $ 1 $ 3 $ — $ 54 Commercial real estate 5 6 — — 10 — 7 — 28 Lease Financing — 3 — — — — — — 3 Residential mortgage — — — — — 1 — — 1 Automobile 1 5 3 1 1 1 — — 12 Home equity — — — — — 1 — 1 2 RV and marine — — 1 1 1 2 — — 5 Other consumer 5 5 3 1 1 4 — 7 26 Total $ 13 $ 40 $ 13 $ 9 $ 28 $ 10 $ 10 $ 8 $ 131 Nine months ended September 30, 2023 Commercial and industrial $ 4 $ 39 $ 23 $ 13 $ 26 $ 11 $ 7 $ 1 $ 124 Commercial real estate 5 9 19 — 15 5 7 — 60 Lease Financing — 3 1 1 — 1 — — 6 Residential mortgage — — 1 — — 3 — — 4 Automobile 1 11 11 5 4 3 — — 35 Home equity — — — — — 1 1 4 6 RV and marine — 1 2 2 2 5 — — 12 Other consumer 8 18 11 4 4 10 — 20 75 Total $ 18 $ 81 $ 68 $ 25 $ 51 $ 39 $ 15 $ 25 $ 322 Modifications to Debtors Experiencing Financial Difficulty Effective January 1, 2023, Huntington adopted ASU 2022-02- Financial Instruments - Credit Losses (Topic 326): Troubled Debt Restructurings and Vintage Disclosures. For additional information on the adoption, refer to both Note 1 “ Basis of Presentation ” and Note 2 “ Accounting Standards Update .” Huntington will modify the contractual terms of loans to a borrower experiencing financial difficulties as a way to mitigate loss, proactively work with borrowers in financial difficulty, or to comply with regulations regarding the treatment of certain bankruptcy filing and discharge situations. A debtor is considered to be experiencing financial difficulty when there is significant doubt about the debtor’s ability to make required payments on the debt or to get equivalent financing from another creditor at a market rate for similar debt. A loan placed on nonaccrual because the borrower is experiencing financial difficulty may be returned to accrual status when all contractually due interest and principal has been paid and the borrower demonstrates the financial capacity to continue to pay as agreed, with the risk of loss diminished. Reported Modification Types Modifications in the form of principal forgiveness, an interest rate reduction, an other than insignificant payment delay or a term extension that have occurred in the current reporting period to a borrower experiencing financial difficulty are disclosed along with the financial impact of the modifications. Huntington will generally try other forms of relief before principal forgiveness but would define any contractual reduction in the amount of principal due without receiving payment or assets as forgiveness. For the purpose of the disclosure Huntington considers any contractual change in interest rate that results in the borrower receiving a below market rate to be an interest rate reduction. Many factors can go into what is considered an other than insignificant payment delay such as the significance of the restructured payment amount relative to the normal loan payment or the relative significance of the delay to the original loan terms. Generally, Huntington would consider any delay in payment of greater than 90 days in the last 12 months to be significant. For the purpose of the disclosure modification of contingent payment features or covenants that would have accelerated payment are not considered term extensions. Following is a description of what is considered a borrower experiencing financial difficulty by the different loan types: Commercial loan modifications – Our strategy involving commercial borrowers generally includes working with these borrowers to allow them time to improve their financial position and remain a Huntington customer through restructuring their notes or to restructure elsewhere if necessary. Borrowers that are rated substandard or worse in accordance with the regulatory definition, or that cannot otherwise restructure at market terms and conditions, are considered to be experiencing financial difficulty. A subsequent restructuring or modification of a loan may occur when either the loan matures according to the terms of the modified agreement, or the borrower requests a change to the loan agreements. It is subjected to the normal underwriting standards and processes for other similar credit extensions, both new and existing. The restructured note is evaluated to determine if it is considered a new loan or a continuation of the prior loan. Consumer loan modifications – Consumer loans in which a borrower requires a modification as a result of negative changes to their financial condition or to avoid default, generally indicate the borrower is experiencing financial difficulty. The primary modifications made to consumer loans are amortization, maturity date and interest rate changes. Consumer borrowers identified as experiencing financial difficulty are unable to refinance their loans through the Company’s normal origination channels or through other independent sources. Most, but not all, of the loans may be delinquent. The Company’s primary loan categories that receive modifications are residential mortgage, automobile, home equity, RV and marine, and other consumer loans. Impact on Credit Quality of Borrowers Experiencing Financial Difficulty Huntington’s ALLL is influenced by loan level characteristics that inform the assessed propensity to default. As such, the provision for credit losses is impacted primarily by changes in such loan level characteristics, such as payment performance. Commercial borrowers experiencing financial difficulty are risk rated to reflect the increase in default characteristics so that that the ALLL reflects the future risk of loss. Borrowers experiencing financial difficulty can be classified as either accrual or nonaccrual loans. The following table summarizes the amortized cost basis of loans modified during the reporting period to borrowers experiencing financial difficulty, disaggregated by class of financing receivable and type of modification. Amortized Cost (dollar amounts in millions) Interest rate reduction Term extension Payment deferral Combo - interest rate reduction and term extension Total % of total loan class (1) Three months ended September 30, 2023 Commercial and industrial $ 1 $ 147 $ — $ 1 $ 149 0.30 % Commercial real estate — 52 — 4 56 0.44 Residential mortgage — 15 — 1 16 0.07 Automobile — 4 — — 4 0.03 Home equity — — — 3 3 0.03 Total loans to borrowers experiencing financial difficulty in which modifications were made $ 1 $ 218 $ — $ 9 $ 228 0.19 % Nine months ended September 30, 2023 Commercial and industrial $ 33 $ 291 $ — $ 4 $ 328 0.66 % Commercial real estate — 138 — 4 142 1.12 Residential mortgage — 50 2 3 55 0.23 Automobile — 11 — 1 12 0.09 Home equity — 1 — 8 9 0.09 RV and marine — 1 — — 1 0.02 Other consumer 1 — — — 1 0.07 Total loans to borrowers experiencing financial difficulty in which modifications were made $ 34 $ 492 $ 2 $ 20 $ 548 0.45 % (1) Represents the amortized cost of loans modified during the reporting period as a percentage of the period-end loan balance by class. The following table describes the financial effect of the modification made to borrowers experiencing financial difficulty. Interest Rate Reduction (1) Term Extension (1) Weighted-average contractual interest rate Weighted-average years added to the life From To Three months ended September 30, 2023 Commercial and industrial 10.56 % 8.11 % 1.0 Commercial real estate 13.78 9.12 0.6 Residential mortgage 6.98 5.14 8.4 Nine months ended September 30, 2023 Commercial and industrial 7.96 % 7.25 % 1.0 Commercial real estate 13.76 9.12 0.7 Residential mortgage 6.04 4.59 7.6 Automobile 6.53 6.18 2.0 Home equity 8.71 6.04 14.6 (1) Certain disclosures related to financial effects of modifications do not include those deemed to be immaterial. The performance of loans made to borrowers experiencing financial difficulty in which modifications were made is closely monitored to understand the effectiveness of modification efforts. Loans are considered to be in payment default at 90 or more days past due. The following table depicts the performance of loans that have been modified during the reporting period. At September 30, 2023 Past Due (dollar amounts in millions) 30-59 60-89 90 or Total Current Total Commercial and industrial $ 2 $ 1 $ 3 $ 6 $ 322 $ 328 Commercial real estate — 5 1 6 136 142 Residential mortgage 10 5 7 22 33 55 Automobile 1 — — 1 11 12 Home equity — — 1 1 8 9 RV and marine — — — — 1 1 Other consumer — — — — 1 1 Total loans to borrowers experiencing financial difficulty in which modifications were made in the nine months ended September 30, 2023 $ 13 $ 11 $ 12 $ 36 $ 512 $ 548 TDR Loans The following provides additional disclosures previously required by ASC Subtopic 310-40, Receivables—Troubled Debt Restructurings by Creditors, related to the three-month and nine-month period ended September 30, 2022. TDRs are modified loans where a concession was provided to a borrower experiencing financial difficulties. Loan modifications are considered TDRs when the concessions provided would not otherwise be considered. However, not all loan modifications are TDRs. See Note 1 “Significant Accounting Policies” and Note 5 “Loans and Leases” to the Consolidated Financial Statements appearing in Huntington’s 2022 Annual Report on Form 10-K for additional discussion of TDRs. 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 three-month and nine-month period ended September 30, 2022. New Troubled Debt Restructurings (1) 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 Three months ended September 30, 2022 Commercial and industrial 81 $ 39 $ 22 $ — $ 13 $ 74 Commercial real estate 7 5 10 — — 15 Residential mortgage 184 — 25 1 — 26 Automobile 697 — 6 1 — 7 Home equity 54 — 1 — — 1 RV and marine 31 — 1 1 — 2 Other consumer 38 — — — — — Total new TDRs 1,092 $ 44 $ 65 $ 3 $ 13 $ 125 Nine months ended September 30, 2022 Commercial and industrial 222 $ 69 $ 37 $ — $ 14 $ 120 Commercial real estate 12 42 10 — — 52 Residential mortgage 629 — 85 5 — 90 Automobile 1,791 — 13 2 — 15 Home equity 166 — 5 3 — 8 RV and marine 105 — 2 1 — 3 Other consumer 91 — — — — — Total new TDRs 3,016 $ 111 $ 152 $ 11 $ 14 $ 288 (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 September 30, 2023 and December 31, 2022, these borrowings and advances are secured by $101.5 billion and $70.9 billion, respectively, of loans.

ALLOWANCE FOR CREDIT LOSSES

ALLOWANCE FOR CREDIT LOSSES	9 Months Ended
ALLOWANCE FOR CREDIT LOSSES	Sep. 30, 2023
Credit Loss [Abstract]
Allowance for Credit Losses	ALLOWANCE FOR CREDIT LOSSES Allowance for Credit Losses - Roll-forward The following tables present ACL activity by portfolio segment for the three-month and nine-month periods ended September 30, 2023 and 2022. (dollar amounts in millions) Commercial Consumer Total Three months ended September 30, 2023 ALLL balance, beginning of period $ 1,483 $ 694 $ 2,177 Loan and lease charge-offs (85) (46) (131) Recoveries of loans and leases previously charged-off 40 18 58 Provision for loan and lease losses 66 38 104 ALLL balance, end of period $ 1,504 $ 704 $ 2,208 AULC balance, beginning of period $ 78 $ 87 $ 165 Provision for unfunded lending commitments (2) (3) (5) AULC balance, end of period $ 76 $ 84 $ 160 ACL balance, end of period $ 1,580 $ 788 $ 2,368 Nine months ended September 30, 2023 ALLL balance, beginning of period $ 1,424 $ 697 $ 2,121 Loan and lease charge-offs (190) (132) (322) Recoveries of loans and leases previously charged-off 89 54 143 Provision for loan and lease losses 181 85 266 ALLL balance, end of period $ 1,504 $ 704 $ 2,208 AULC balance, beginning of period $ 71 $ 79 $ 150 Provision for unfunded lending commitments 5 5 10 AULC balance, end of period $ 76 $ 84 $ 160 ACL balance, end of period $ 1,580 $ 788 $ 2,368 (dollar amounts in millions) Commercial Consumer Total Three months ended September 30, 2022 ALLL balance, beginning of period $ 1,342 $ 732 $ 2,074 Loan and lease charge-offs (35) (48) (83) Recoveries of loans and leases previously charged-off 20 19 39 Provision (benefit) for loan and lease losses 87 (7) 80 ALLL balance, end of period $ 1,414 $ 696 $ 2,110 AULC balance, beginning of period $ 53 $ 41 $ 94 Provision (benefit) for unfunded lending commitments 8 18 26 AULC balance, end of period $ 61 $ 59 $ 120 ACL balance, end of period $ 1,475 $ 755 $ 2,230 Nine months ended September 30, 2022 ALLL balance, beginning of period $ 1,462 $ 568 $ 2,030 Loan and lease charge-offs (77) (139) (216) Recoveries of loans and leases previously charged-off 83 62 145 Provision (benefit) for loan and lease losses (54) 205 151 ALLL balance, end of period $ 1,414 $ 696 $ 2,110 AULC balance, beginning of period $ 41 $ 36 $ 77 Provision for unfunded lending commitments 20 23 43 AULC balance, end of period $ 61 $ 59 $ 120 ACL balance, end of period $ 1,475 $ 755 $ 2,230 At September 30, 2023, the ACL was $2.4 billion, an increase of $97 million compared to December 31, 2022. The commercial ACL was $1.6 billion at September 30, 2023 and $1.5 billion at December 31, 2022. The increase of $85 million since year end was due to a combination of C&I loan growth and increased coverage levels in the commercial real estate portfolio during 2023. The consumer ACL was $788 million, relatively flat compared to the December 31, 2022 balance of $776 million. The modest increase is attributable to loan and lease growth in the consumer portfolio. The baseline economic scenario used in the September 30, 2023 ACL determination included the federal funds rate projected to peak in the third quarter of 2023 as the Federal Reserve continues to address inflation levels and tightness in the labor market. As a result, inflation is forecast to drop from an average of 4.1% in 2023 to 2.7% by 2024. However, unemployment is expected to gradually increase to a projected level of 4.2% by Q4 2024.

MORTGAGE LOAN SALES AND SERVICI

MORTGAGE LOAN SALES AND SERVICING RIGHTS	9 Months Ended
MORTGAGE LOAN SALES AND SERVICING RIGHTS	Sep. 30, 2023
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 three-month and nine-month periods ended September 30, 2023 and 2022: Three months ended September 30, Nine months ended September 30, (dollar amounts in millions) 2023 2022 2023 2022 Residential mortgage loans sold with servicing retained $ 1,100 $ 1,310 $ 3,079 $ 4,557 Pretax gains resulting from above loan sales (1) 21 11 43 110 (1) Recorded in mortgage banking income. The following table summarizes the changes in MSRs recorded using the fair value method for the three-month and nine-month periods ended September 30, 2023 and 2022: Three months ended September 30, Nine months ended September 30, (dollar amounts in millions) 2023 2022 2023 2022 Fair value, beginning of period $ 505 $ 463 $ 494 $ 351 New servicing assets created 17 20 48 68 Change in fair value during the period due to: Time decay (1) (6) (6) (18) (16) Payoffs (2) (7) (8) (18) (29) Changes in valuation inputs or assumptions (3) 38 17 41 112 Fair value, end of period $ 547 $ 486 $ 547 $ 486 (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. A summary of key assumptions and the sensitivity of the MSR value to changes in these assumptions at September 30, 2023, and December 31, 2022 follows: At September 30, 2023 At December 31, 2022 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) 6.86 % $ (13) $ (26) 7.05 % $ (13) $ (25) Spread over forward interest rate swap rates 557 bps (12) (24) 578 bps (12) (22)

BORROWINGS

BORROWINGS	9 Months Ended
BORROWINGS	Sep. 30, 2023
Debt Disclosure [Abstract]
BORROWINGS	BORROWINGS Borrowings with original maturities of one year or less are classified as short-term and were comprised of the following at September 30, 2023 and December 31, 2022, respectively: (dollar amounts in millions) At September 30, 2023 At December 31, 2022 Federal funds purchased and securities sold under agreements to repurchase $ 656 $ 253 FHLB advances — 1,700 Other borrowings 25 74 Total short-term borrowings $ 681 $ 2,027 Huntington’s long-term debt consisted of the following at September 30, 2023 and December 31, 2022, respectively: (dollar amounts in millions) At September 30, 2023 At December 31, 2022 The Parent Company: Senior Notes $ 4,116 $ 3,005 Subordinated Notes 730 975 Total notes issued by the parent 4,846 3,980 The Bank: Senior Notes 4,114 4,272 Subordinated Notes 651 651 Total notes issued by the bank 4,765 4,923 FHLB Advances (1) 2,707 211 Other 504 572 Total long-term debt $ 12,822 $ 9,686 (1) 4.21% weighted average rate, varying maturities greater than one year. During the 2023 third quarter, Huntington issued $1.3 billion of fixed-to-floating senior notes. The fixed-to-floating senior notes are due August 21, 2029 and bear an initial fixed interest rate of 6.208%. Commencing August 21, 2028, the interest rate will reset to a floating rate equal to a benchmark rate based on the Compounded SOFR Index Rate plus 202 basis points.

OTHER COMPREHENSIVE INCOME

OTHER COMPREHENSIVE INCOME	9 Months Ended
OTHER COMPREHENSIVE INCOME	Sep. 30, 2023
Equity [Abstract]
OTHER COMPREHENSIVE INCOME	OTHER COMPREHENSIVE INCOME The components of Huntington’s OCI for the three-month and nine-month periods ended September 30, 2023 and 2022, were as follows: (dollar amounts in millions) Pretax Tax (expense) benefit After-tax Three months ended September 30, 2023 Unrealized gains (losses) on available-for-sale securities arising during the period $ (826) $ 190 $ (636) Reclassification adjustment for realized net losses included in net income 3 — 3 Total unrealized gains (losses) on available-for-sale securities (823) 190 (633) Net impact of fair value hedges on available-for-sale securities 87 (20) 67 Unrealized gains (losses) on cash flow hedges during the period (119) 28 (91) Reclassification adjustment for cash flow hedges included in net income 67 (26) 41 Net change related to cash flow hedges on loans (52) 2 (50) Foreign currency translation adjustment (1) (6) — (6) Net unrealized gains (losses) on net investment hedges 5 — 5 Translation adjustments, net of hedges (1) (1) — (1) Change in accumulated unrealized gains for pension and other post-retirement obligations 1 — 1 Other comprehensive income (loss) $ (788) $ 172 $ (616) Three months ended September 30, 2022 Unrealized losses on available-for-sale securities arising during the period $ (1,265) $ 291 $ (974) Reclassification adjustment for realized net losses included in net income 4 (1) 3 Total unrealized losses on available-for-sale securities (1,261) 290 (971) Net impact of fair value hedges on available-for-sale securities 325 (75) 250 Net change related to cash flow hedges on loans (591) 135 (456) Translation adjustments, net of hedges (1) (4) — (4) Change in accumulated unrealized gains for pension and other post-retirement obligations 3 — 3 Other comprehensive income (loss) $ (1,528) $ 350 $ (1,178) Nine months ended September 30, 2023 Unrealized gains (losses) on available-for-sale securities arising during the period $ (729) $ 168 $ (561) Reclassification adjustment for realized net losses included in net income 41 (9) 32 Total unrealized gains (losses) on available-for-sale securities (688) 159 (529) Net impact of fair value hedges on available-for-sale securities 44 (10) 34 Unrealized gains (losses) on cash flow hedging relationships arising during the period (154) 40 (114) Reclassification adjustment for cash flow hedges included in net income 113 (29) 84 Net change related to cash flow hedges (41) 11 (30) Translation adjustments, net of hedges (1) — — — Change in accumulated unrealized gains for pension and other post-retirement obligations 1 — 1 Other comprehensive income (loss) $ (684) $ 160 $ (524) Nine months ended September 30, 2022 Unrealized losses on available-for-sale securities arising during the period $ (3,952) $ 909 $ (3,043) Reclassification adjustment for realized net losses included in net income 95 (22) 73 Total unrealized losses on available-for-sale securities (3,857) 887 (2,970) Net impact of fair value hedges on available-for-sale securities 917 (212) 705 Net change related to cash flow hedges (1,012) 230 (782) Translation adjustments, net of hedges (1) (6) — (6) Change in accumulated unrealized gains for pension and other post-retirement obligations 8 (2) 6 Other comprehensive income (loss) $ (3,950) $ 903 $ (3,047) (1) Foreign investments are deemed to be permanent in nature and, therefore, Huntington does not provide for taxes on foreign currency translation adjustments. Activity in accumulated OCI for the three-month and nine-month periods ended September 30, 2023 and 2022, were as follows: (dollar amounts in millions) Unrealized gains (losses) on available-for-sale securities (1) Net impact of fair value hedges on available-for-sale securities Net change related to cash flow hedges on loans Translation adjustments, net of hedges Unrealized gains (losses) for pension and other post- retirement obligations Total Three months ended September 30, 2023 Balance, beginning of period $ (2,898) $ 721 $ (612) $ (7) $ (210) $ (3,006) Other comprehensive income (loss) before reclassifications (636) 67 (91) (1) — (661) Amounts reclassified from accumulated OCI to earnings 3 — 41 — 1 45 Period change (633) 67 (50) (1) 1 (616) Balance, end of period $ (3,531) $ 788 $ (662) $ (8) $ (209) $ (3,622) Three months ended September 30, 2022 Balance, beginning of period $ (2,152) $ 544 $ (263) $ (5) $ (222) $ (2,098) Other comprehensive income (loss) before reclassifications (974) 250 (456) (4) — (1,184) Amounts reclassified from accumulated OCI to earnings 3 — — — 3 6 Period change (971) 250 (456) (4) 3 (1,178) Balance, end of period $ (3,123) $ 794 $ (719) $ (9) $ (219) $ (3,276) Nine months ended September 30, 2023 Balance, beginning of period $ (3,002) $ 754 $ (632) $ (8) $ (210) $ (3,098) Other comprehensive income (loss) before reclassifications (561) 34 (114) — — (641) Amounts reclassified from accumulated OCI to earnings 32 84 — 1 117 Period change (529) 34 (30) — 1 (524) Balance, end of period $ (3,531) $ 788 $ (662) $ (8) $ (209) $ (3,622) Nine months ended September 30, 2022 Balance, beginning of period $ (153) $ 89 $ 63 $ (3) $ (225) $ (229) Other comprehensive income (loss) before reclassifications (3,043) 705 (782) (6) — (3,126) Amounts reclassified from accumulated OCI to earnings 73 — — — 6 79 Period change (2,970) 705 (782) (6) 6 (3,047) Balance, end of period $ (3,123) $ 794 $ (719) $ (9) $ (219) $ (3,276) (1) AOCI amounts at September 30, 2023 and September 30, 2022 include $60 million and $69 million, respectively, of net unrealized losses (after-tax) 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	9 Months Ended
SHAREHOLDERS' EQUITY	Sep. 30, 2023
Equity [Abstract]
SHAREHOLDERS' EQUITY	SHAREHOLDERS' EQUITY Preferred Stock The following is a summary of Huntington’s non-cumulative, non-voting, perpetual preferred stock outstanding. (dollar amounts in millions) Carrying Amount Series Issuance Date Shares Outstanding Dividend Rate Earliest Redemption Date (1) At September 30, 2023 At December 31, 2022 Series B (2) 12/28/2011 35,500 Variable (3) 1/15/2017 $ 23 $ 23 Series E (4) 2/27/2018 5,000 Variable (5) 4/15/2023 495 495 Series F (4) 5/27/2020 5,000 5.625 7/15/2030 494 494 Series G (4) 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 486 486 Series I (6) 6/9/2021 7,000 5.70 12/01/2022 175 175 Series J (2) 3/6/2023 325,000 6.875 4/15/2028 317 — Total 882,500 $ 2,484 $ 2,167 (1) Redeemable at Huntington’s option on the date stated or on a quarterly basis thereafter. (2) Series B, H, and J preferred stock have a liquidation value and redemption price per share of $1,000, plus any declared and unpaid dividends. (3) Series B dividend rate converted to 3-month CME Term SOFR + 26 bps LIBOR spread adjustment + 270 bps effective July 15, 2023. Prior to July 15, 2023, the dividend rate was 3-mo. LIBOR + 270 bps. (4) Series E, F, and G preferred stock have a liquidation value and redemption price per share of $100,000, plus any declared and unpaid dividends. (5) Series E dividend rate converted to 3-month CME Term SOFR + 26 bps LIBOR spread adjustment + 288 bps effective July 15, 2023. Prior to July 15, 2023, the dividend rate was 3-mo. LIBOR +288 bps. (6) Series I preferred stock has a liquidation value and redemption price per share of $25,000, plus any declared and unpaid dividends. The following table presents the dividends declared for each series of Preferred shares for the three-month and nine-month periods ended September 30, 2023 and 2022: Three months ended September 30, Nine months ended September 30, (amounts in millions, except per share data) 2023 2022 2023 2022 Cash Dividend Declared Per Share Cash Dividend Declared Per Share Cash Dividend Declared Per Share Cash Dividend Declared Per Share Preferred Series Amount ($) Amount ($) Amount ($) Amount ($) Series B $ 20.67 $ (1) $ 16.95 $ — $ 59.39 $ (2) $ 39.34 $ — Series E 2,112.39 (11) 1,425.00 (7) 5,572.46 (28) 4,275.00 (21) Series F 1,406.25 (7) 1,406.25 (7) 4,218.75 (21) 4,218.75 (21) Series G 1,112.50 (5) 1,112.50 (6) 3,337.50 (17) 3,337.50 (18) Series H 11.25 (5) 11.25 (6) 33.75 (17) 33.75 (18) Series I 356.25 (2) 356.25 (3) 1,068.75 (7) 1,068.75 (7) Series J 17.19 (6) — — 41.83 (14) — — Total $ (37) $ (29) $ (106) $ (85)

EARNINGS PER SHARE

EARNINGS PER SHARE	9 Months Ended
EARNINGS PER SHARE	Sep. 30, 2023
Earnings Per Share [Abstract]
EARNINGS PER SHARE	EARNINGS PER SHAREBasic earnings per share is the amount of earnings (adjusted for dividends declared on preferred stock) 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 three-month and nine-month periods ended September 30, 2023 and 2022 was as follows: Three months ended September 30, Nine months ended September 30, (dollar amounts in millions, except per share data, share count in thousands) 2023 2022 2023 2022 Basic earnings per common share: Net income attributable to Huntington $ 547 $ 594 $ 1,708 $ 1,593 Preferred stock dividends 37 29 106 85 Net income available to common shareholders $ 510 $ 565 $ 1,602 $ 1,508 Average common shares issued and outstanding 1,447,993 1,442,591 1,445,878 1,440,740 Basic earnings per common share $ 0.35 $ 0.39 $ 1.11 $ 1.05 Diluted earnings per common share: Average dilutive potential common shares: Stock options and restricted stock units and awards 12,183 16,064 14,670 17,078 Shares held in deferred compensation plans 7,435 6,428 6,989 6,416 Average dilutive potential common shares 19,618 22,492 21,659 23,494 Total diluted average common shares issued and outstanding 1,467,611 1,465,083 1,467,537 1,464,234 Diluted earnings per common share $ 0.35 $ 0.39 $ 1.09 $ 1.03 Anti-dilutive awards (1) 11,736 7,121 11,188 5,565 (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	9 Months Ended
NONINTEREST INCOME	Sep. 30, 2023
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 Unaudited 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. (dollar amounts in millions) Three months ended September 30, Nine months ended September 30, Noninterest income 2023 2022 2023 2022 Noninterest income from contracts with customers $ 338 $ 345 $ 1,047 $ 975 Noninterest income within the scope of other GAAP topics 171 153 469 507 Total noninterest income $ 509 $ 498 $ 1,516 $ 1,482 The following table illustrates the disaggregation by operating segment and major revenue stream and reconciles disaggregated revenue to segment revenue presented in Note 16 “ Segment Reporting ”. (dollar amounts in millions) Consumer & Regional Banking Commercial Banking Treasury / Other Huntington Consolidated Major Revenue Streams Three months ended September 30, 2023 Service charges on deposit accounts $ 78 $ 19 $ — $ 97 Card and payment processing income 89 7 — 96 Trust and investment management services 58 4 — 62 Insurance income 29 2 — 31 Capital markets fees 2 25 (1) 26 Other noninterest income 9 18 (1) 26 Net revenue from contracts with customers 265 75 (2) 338 Noninterest income within the scope of other GAAP topics 42 81 48 171 Total noninterest income $ 307 $ 156 $ 46 $ 509 Three months ended September 30, 2022 Service charges on deposit accounts $ 73 $ 20 $ — $ 93 Card and payment processing income 84 6 — 90 Trust and investment management services 59 1 — 60 Insurance income 25 2 1 28 Capital markets fees 3 37 (2) 38 Other noninterest income 8 29 (1) 36 Net revenue from contracts with customers 252 95 (2) 345 Noninterest income within the scope of other GAAP topics 53 85 15 153 Total noninterest income $ 305 $ 180 $ 13 $ 498 Nine months ended September 30, 2023 Service charges on deposit accounts $ 211 $ 56 $ — $ 267 Card and payment processing income 258 20 — 278 Trust and investment management services 181 11 — 192 Insurance income 88 7 — 95 Capital markets fees 9 71 (1) 79 Other noninterest income 79 59 (2) 136 Net revenue from contracts with customers 826 224 (3) 1,047 Noninterest income within the scope of other GAAP topics 127 255 87 469 Total noninterest income $ 953 $ 479 $ 84 $ 1,516 Nine months ended September 30, 2022 Service charges on deposit accounts $ 230 $ 65 $ — $ 295 Card and payment processing income 242 17 — 259 Trust and investment management services 185 3 — 188 Insurance income 79 6 1 86 Capital markets fees 9 48 (2) 55 Other noninterest income 21 72 (1) 92 Net revenue from contracts with customers 766 211 (2) 975 Noninterest income within the scope of other GAAP topics 213 259 35 507 Total noninterest income $ 979 $ 470 $ 33 $ 1,482

FAIR VALUES OF ASSETS AND LIABI

FAIR VALUES OF ASSETS AND LIABILITIES	9 Months Ended
FAIR VALUES OF ASSETS AND LIABILITIES	Sep. 30, 2023
Fair Value Disclosures [Abstract]
FAIR VALUES OF ASSETS AND LIABILITIES	FAIR VALUES OF ASSETS AND LIABILITIES See Note 19 “Fair Value of Assets and Liabilities” to the Consolidated Financial Statements appearing in Huntington’s 2022 Annual Report on Form 10-K for a description of the valuation methodologies used for instruments measured at fair value. Assets and liabilities measured at fair value rarely transfer between Level 1 and Level 2 measurements. There were no such transfers during the three-month and nine-month periods ended September 30, 2023 and 2022. Assets and Liabilities measured at fair value on a recurring basis Fair Value Measurements at Reporting Date Using Netting Adjustments (1) At September 30, 2023 (dollar amounts in millions) Level 1 Level 2 Level 3 Assets Trading account securities: U.S. Treasury securities $ 90 $ — $ — $ — $ 90 Municipal securities — 20 — — 20 Corporate debt — 11 — — 11 Total trading account securities 90 31 — — 121 Available-for-sale securities: U.S. Treasury securities 5 — — — 5 Residential CMO — 3,131 — — 3,131 Residential MBS — 10,916 — — 10,916 Commercial MBS — 1,729 — — 1,729 Other agencies — 159 — — 159 Municipal securities — 40 3,437 — 3,477 Private-label CMO — 98 20 — 118 Asset-backed securities — 276 75 — 351 Corporate debt — 1,973 — — 1,973 Other securities/sovereign debt — 4 — — 4 Total available-for-sale securities 5 18,326 3,532 — 21,863 Other securities 29 1 — — 30 Loans held for sale — 601 — — 601 Loans held for investment — 122 53 — 175 MSRs — — 547 — 547 Other assets: Derivative assets — 2,383 4 (1,923) 464 Assets held in trust for deferred compensation plans 161 — — — 161 Liabilities Derivative liabilities — 2,232 5 (1,160) 1,077 Fair Value Measurements at Reporting Date Using Netting Adjustments (1) At December 31, 2022 (dollar amounts in millions) Level 1 Level 2 Level 3 Assets Trading account securities: Municipal securities $ — $ 19 $ — $ — $ 19 Available-for-sale securities: U.S. Treasury securities 103 — — — 103 Residential CMOs — 2,914 — — 2,914 Residential MBS — 12,263 — — 12,263 Commercial MBS — 1,953 — — 1,953 Other agencies — 182 — — 182 Municipal securities — 42 3,248 — 3,290 Private-label CMO — 108 20 — 128 Asset-backed securities — 298 74 — 372 Corporate debt — 2,214 — — 2,214 Other securities/sovereign debt — 4 — — 4 Total available-for-sale securities 103 19,978 3,342 — 23,423 Other securities 31 1 — — 32 Loans held for sale — 520 — — 520 Loans held for investment — 169 16 — 185 MSRs — — 494 — 494 Other assets: Derivative assets — 2,161 3 (1,808) 356 Assets held in trust for deferred compensation plans 155 — — — 155 Liabilities Derivative liabilities — 2,332 5 (1,345) 992 (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 instruments Municipal securities Private- Asset-backed securities Three months ended September 30, 2023 Opening balance $ 505 $ (2) $ 3,496 $ 20 $ 75 $ 33 Transfers into Level 3 — — — — — 21 Transfers out of Level 3 (1) — (8) — — — — Total gains/losses for the period: Included in earnings: Mortgage banking income 37 9 — — — — Interest and fee income — — (2) — — (3) Included in OCI — — 17 — — — Purchases/originations 18 — 160 — — — Repayments — — — — — 2 Settlements (13) — (234) — — — Closing balance $ 547 $ (1) $ 3,437 $ 20 $ 75 $ 53 Change in unrealized gains or losses for the period included in earnings for assets held at end of the reporting date $ 37 $ (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 — — 12 — — — Three months ended September 30, 2022 Opening balance $ 463 $ (5) $ 3,377 $ 22 $ 44 $ 17 Transfers out of Level 3 (1) — (6) — — — — Total gains/losses for the period: Included in earnings: Mortgage banking income 17 2 — — — — Included in OCI — — (66) — — — Purchases/originations 20 — 309 — 26 — Repayments — — — — — (1) Settlements (14) — (288) (1) — — Closing balance $ 486 $ (9) $ 3,332 $ 21 $ 70 $ 16 Change in unrealized gains or losses for the period included in earnings for assets held at end of the reporting date $ 17 $ (8) $ — $ — $ — $ — Change in unrealized gains or losses for the period included in other comprehensive income for assets held at the end of the reporting period — — (69) — (1) — (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. 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 Nine months ended September 30, 2023 Opening balance $ 494 $ (2) $ 3,248 $ 20 $ 74 $ 16 Transfers into Level 3 — — — — — 40 Transfers out of Level 3 (1) — (18) — — — — Total gains/losses for the period: Included in earnings: Mortgage banking income 40 19 — — — — Interest and fee income — — (2) (1) — (3) Included in OCI — — 13 — 1 — Purchases/originations 49 — 715 1 — — Settlements (36) — (537) — — — Closing balance $ 547 $ (1) $ 3,437 $ 20 $ 75 $ 53 Change in unrealized gains or losses for the period included in earnings for assets held at end of the reporting date $ 40 $ 1 $ — $ — $ — $ — Change in unrealized gains or losses for the period included in other comprehensive income for assets held at the end of the reporting period — — 2 — — — Nine months ended September 30, 2022 Opening balance $ 351 $ 4 $ 3,477 $ 20 $ 71 $ 19 Transfers out of Level 3 (1) — (6) — — — — Total gains/losses for the period: Included in earnings Mortgage banking income 112 (7) — — — — Interest and fee income — — (2) (2) — — Provision for credit losses — — (4) — — — Included in OCI — — (274) — (1) — Purchases/originations 68 — 867 4 26 — Repayments — — — — — (3) Settlements (45) — (732) (1) (26) — Closing balance $ 486 $ (9) $ 3,332 $ 21 $ 70 $ 16 Change in unrealized gains or losses for the period included in earnings for assets held at end of the reporting date $ 112 $ (17) $ — $ — $ — $ — Change in unrealized gains or losses for the period included in other comprehensive income for assets held at the end of the reporting period — — (274) — (1) — (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 At September 30, 2023 Loans held for sale $ 601 $ 598 $ 3 $ — $ — $ — Loans held for investment 175 185 (10) 3 3 — At December 31, 2022 Loans held for sale $ 520 $ 513 $ 7 $ — $ — $ — Loans held for investment 185 190 (5) 11 11 — The following table presents the net gains (losses) from fair value changes. Three months ended September 30, Nine months ended September 30, (dollar amounts in millions) 2023 2022 2023 2022 Loans held for sale (1) $ (4) $ (22) $ (4) $ (56) Loans held for investment (2) — (5) 1 (1) The net gains (losses) from fair value changes are included in Mortgage banking income on the Unaudited 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 Significant Other Unobservable Inputs (Level 3) Total Losses Three months ended September 30, Nine months ended September 30, (dollar amounts in millions) At September 30, 2023 At December 31, 2022 2023 2022 2023 2022 Collateral-dependent loans $ 24 $ 16 $ 6 $ — $ 13 $ (1) Loans held for sale — — — 1 — 1 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 September 30, 2023 (1) At December 31, 2022 (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 4 % - 33 % 7 % 5 % - 40 % 7 % Spread over forward interest rate swap rates 5 % - 13 % 6 % 5 % - 13 % 6 % Municipal securities and asset-backed securities Discounted cash flow Discount rate 5 % - 6 % 6 % 5 % - 5 % 5 % Cumulative default — % - 64 % 7 % — % - 64 % 7 % Loss given default 20 % - 20 % 20 % 20 % - 20 % 20 % (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. Fair values of financial instruments 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. 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 the Federal Reserve Bank, and federal funds sold. 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 and relationship intangibles are not considered financial instruments and are not included in following tables. Accordingly, this fair value information is not intended to, and does not, represent Huntington’s underlying value. 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 At September 30, 2023 Financial Assets Cash and short-term assets $ 11,693 $ — $ — $ 11,693 $ 11,693 Trading account securities — — 121 121 121 Available-for-sale securities — — 21,863 21,863 21,863 Held-to-maturity securities 16,148 — — 16,148 13,309 Other securities 688 — 30 718 718 Loans held for sale — 2 601 603 603 Net loans and leases (1) 118,470 — 175 118,645 114,540 Derivative assets — — 464 464 464 Assets held in trust for deferred compensation plans — — 161 161 161 Financial Liabilities Deposits 148,867 — — 148,867 148,771 Short-term borrowings 681 — — 681 681 Long-term debt 12,822 — — 12,822 12,584 Derivative liabilities — — 1,077 1,077 1,077 At December 31, 2022 Financial Assets Cash and short-term assets $ 6,918 $ — $ — $ 6,918 $ 6,918 Trading account securities — — 19 19 19 Available-for-sale securities — — 23,423 23,423 23,423 Held-to-maturity securities 17,052 — — 17,052 14,754 Other securities 822 — 32 854 854 Loans held for sale — 9 520 529 529 Net loans and leases (1) 117,217 — 185 117,402 112,591 Derivative assets — — 356 356 356 Assets held in trust for deferred compensation plans — — 155 155 155 Financial Liabilities Deposits 147,914 — — 147,914 147,796 Short-term borrowings 2,027 — — 2,027 2,027 Long-term debt 9,686 — — 9,686 9,564 Derivative liabilities — — 992 992 992 (1) Includes collateral-dependent loans. The following table presents the level in the fair value hierarchy for the estimated fair values at September 30, 2023 and December 31, 2022: Estimated Fair Value Measurements at Reporting Date Using Netting Adjustments (1) Presented Balance (dollar amounts in millions) Level 1 Level 2 Level 3 At September 30, 2023 Financial Assets Trading account securities $ 90 $ 31 $ — $ 121 Available-for-sale securities 5 18,326 3,532 21,863 Held-to-maturity securities — 13,309 — 13,309 Other securities (2) 29 1 — 30 Loans held for sale — 603 — 603 Net loans and leases — 122 114,418 114,540 Derivative assets — 2,383 4 $ (1,923) 464 Financial Liabilities Deposits — 134,529 14,242 148,771 Short-term borrowings — 681 — 681 Long-term debt — 9,275 3,309 12,584 Derivative liabilities — 2,232 5 (1,160) 1,077 At December 31, 2022 Financial Assets Trading account securities $ — $ 19 $ — $ 19 Available-for-sale securities 103 19,978 3,342 23,423 Held-to-maturity securities — 14,754 — 14,754 Other securities (2) 31 1 — 32 Loans held for sale — 520 9 529 Net loans and leases — 169 112,422 112,591 Derivative assets — 2,161 3 $ (1,808) 356 Financial Liabilities Deposits — 142,081 5,715 147,796 Short-term borrowings — 2,027 — 2,027 Long-term debt — 8,680 884 9,564 Derivative liabilities — 2,332 5 (1,345) 992 (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 INSTRUMENT

DERIVATIVE FINANCIAL INSTRUMENTS	9 Months Ended
DERIVATIVE FINANCIAL INSTRUMENTS	Sep. 30, 2023
Derivative Instruments and Hedging Activities Disclosure [Abstract]
DERIVATIVE FINANCIAL INSTRUMENTS	DERIVATIVE FINANCIAL INSTRUMENTS Derivative financial instruments are recorded in the Unaudited 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 Unaudited Consolidated Balance Sheets at September 30, 2023 and December 31, 2022. Amounts in the table below are presented gross without the impact of any net collateral arrangements. At September 30, 2023 At December 31, 2022 (dollar amounts in millions) Notional Value Asset Liability Notional Value Asset Liability Derivatives designated as Hedging Instruments Interest rate contracts $ 36,962 $ 1,089 $ 981 $ 42,461 $ 1,008 $ 1,145 Foreign exchange contracts 216 — — 202 2 — Derivatives not designated as Hedging Instruments Interest rate contracts 57,539 1,182 1,135 37,562 968 1,008 Foreign exchange contracts 4,654 65 50 4,889 68 68 Commodities contracts 688 51 49 762 114 113 Equity contracts 682 — 22 636 4 3 Total contracts $ 100,741 $ 2,387 $ 2,237 $ 86,512 $ 2,164 $ 2,337 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 Unaudited Consolidated Income Statement for the three-month and nine-month periods ended September 30, 2023 and 2022, respectively. Location of Gain or (Loss) Recognized in Income on Derivative Amount of Gain or (Loss) Recognized in Income on Derivative Three months ended September 30, Nine months ended September 30, (dollar amounts in millions) 2023 2022 2023 2022 Interest rate contracts: Customer Capital markets fees $ 6 $ 12 $ 23 $ 37 Mortgage banking Mortgage banking income (37) — (28) (80) Interest rate swaptions Other noninterest income 33 — 50 — Foreign exchange contracts Capital markets fees 9 12 34 32 Commodities contracts Capital markets fees 1 1 4 4 Equity contracts Other noninterest expense (2) (1) (7) (4) Total $ 10 $ 24 $ 76 $ (11) 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 September 30, 2023 and December 31, 2022, identified by the underlying interest rate-sensitive instruments. (dollar amounts in millions) Fair Value Hedges Cash Flow Hedges Economic Hedges Total At September 30, 2023 Instruments associated with: Investment securities $ 11,719 $ — $ 15,450 $ 27,169 Loans — 17,675 175 17,850 Long-term debt 7,568 — — 7,568 Total notional value $ 19,287 $ 17,675 $ 15,625 $ 52,587 At December 31, 2022 Instruments associated with: Investment securities $ 10,407 $ — $ — $ 10,407 Loans — 24,325 175 24,500 Long-term debt 7,729 — — 7,729 Total notional value $ 18,136 $ 24,325 $ 175 $ 42,636 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 premiums for collars and floors that were not included in the measurement of hedge effectiveness, as well as the amounts related to terminated hedges reclassified from AOCI. The net amounts resulted in a decrease to net interest income of $62 million and an increase to net interest income of $21 million for the three-month periods ended September 30, 2023, and 2022, respectively. For the nine-month periods ended September 30, 2023, and 2022, the net amounts resulted in a decrease to net interest income of $178 million and an increase to net interest income of $108 million, 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 $11.1 billion of interest rate swaps as fair value hedges of fixed-rate investment securities using the portfolio 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 portfolio level basis adjustment on our hedged mortgage-backed securities portfolio has not been attributed to the individual available-for-sale securities in our Unaudited Consolidated Statements of Financial Condition. Huntington has also designated $662 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 three-month and nine-month periods ended September 30, 2023 and 2022. Three months ended September 30, Nine months ended September 30, (dollar amounts in millions) 2023 2022 2023 2022 Interest rate contracts Change in fair value of interest rate swaps hedging investment securities (1) $ 88 $ 340 $ 44 $ 926 Change in fair value of hedged investment securities (1) (87) (324) (45) (914) Change in fair value of interest rate swaps hedging long-term debt (2) (87) (178) (109) (314) Change in fair value of hedged long term debt (2) 87 178 109 315 (1) Recognized in Interest income—available-for-sale securities—taxable in the Unaudited Consolidated Statements of Income . (2) Recognized in Interest expense—long-term debt in the Unaudited Consolidated Statements of Income . As of September 30, 2023 and December 31, 2022, 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 (dollar amounts in millions) At September 30, 2023 At December 31, 2022 At September 30, 2023 At December 31, 2022 Assets Investment securities (1) $ 18,291 $ 18,029 $ (1,024) $ (979) Liabilities Long-term debt (2) 7,134 7,175 (365) (256) (1) Amounts include the amortized cost basis of closed portfolios used to designate hedging relationships under the portfolio layer method. The hedged item is a layer of the closed portfolio which is expected to be remaining at the end of the hedging relationship. As of September 30, 2023, the amortized cost basis of the closed portfolios used in these hedging relationships was $17.7 billion, the cumulative basis adjustments associated with these hedging relationships was $916 million, and the amounts of the designated hedging instruments were $11.1 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 $(71) million at September 30, 2023 and $(70) million at December 31, 2022. Cash Flow Hedges At September 30, 2023, Huntington has $17.7 billion of interest rate swaps, swaption collars, and floors. These are designated as cash flow hedges for variable rate commercial loans. 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 collar and floor contracts represents the time value of the contracts and is not included in the measurement of hedge effectiveness. 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 September 30, 2023, the net losses recognized in AOCI that are expected to be reclassified into earnings within the next 12 months were $261 million. Economic Hedges At September 30, 2023, Huntington has $15.5 billion of interest rate swaptions to reduce the impact on capital from rising rates. These swaptions are economic hedges of interest rate risk attributable to our investment securities with the change in value of these instruments recorded in other noninterest income. 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 or locked. Forward commitments to sell economically hedge the possible loss on interest rate lock commitments due to interest rate change. The position of these derivatives at September 30, 2023 and December 31, 2022 were a net asset of $12 million and a net liability of $3 million, respectively. At September 30, 2023 and December 31, 2022, Huntington had commitments to sell residential real estate loans of $893 million and $766 million, 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. MSR hedging trading assets and liabilities are included in other assets and other liabilities, respectively, in the Unaudited Balance Sheets. Trading gains (losses) are included in mortgage banking income in the Unaudited Consolidated Statement of Income. The notional value of the derivative financial instruments, the corresponding trading assets and liabilities positions, and net trading gains (losses) related to MSR hedging activity is summarized in the following tables: (dollar amounts in millions) At September 30, 2023 At December 31, 2022 Notional value $ 1,200 $ 1,120 Trading assets 1 4 Trading liabilities (102) (78) Three months ended September 30, Nine months ended September 30, (dollar amounts in millions) 2023 2022 2023 2022 Trading losses $ (37) $ (25) $ (43) $ (105) 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 both September 30, 2023 and December 31, 2022, were $61 million and $59 million, respectively. The total notional values of derivative financial instruments used by Huntington on behalf of customers, including offsetting derivatives, were $44.6 billion and $40.7 billion at September 30, 2023 and December 31, 2022, respectively. Huntington’s credit risk from customer derivatives was $64 million and $118 million at the same dates, respectively. Financial assets and liabilities that are offset in the Unaudited Consolidated Balance Sheets Huntington records derivatives at fair value as further described in Note 12 “ 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 two primary groups: 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 transactions with broker-dealers and banks for various risk management purposes. These types of transactions generally are high dollar volume. Huntington enters into collateral and master netting agreements with these counterparties, and routinely exchanges cash and high quality securities collateral. Huntington enters into transactions with customers to meet their financing, investing, payment and risk management needs. These types of transactions generally are low dollar volume. 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 was net credit risk of $359 million and $227 million at September 30, 2023 and December 31, 2022, respectively. The net credit risk associated with derivatives is calculated after considering master netting agreements and is reduced by collateral that has been pledged by the counterparty. At September 30, 2023, Huntington pledged $207 million of investment securities and cash collateral to counterparties, while other counterparties pledged $1.1 billion 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 Unaudited Consolidated Balance Sheets at September 30, 2023 and December 31, 2022. Offsetting of Financial Assets and Derivative Assets Gross amounts Net amounts of Gross amounts not offset in the (dollar amounts in millions) Gross amounts of recognized assets Financial instruments Cash collateral received Net amount At September 30, 2023 $ 2,387 $ (1,923) $ 464 $ (267) $ (12) $ 185 At December 31, 2022 2,164 (1,808) 356 (7) (56) 293 Offsetting of Financial Liabilities and Derivative Liabilities Gross amounts offset in the unaudited consolidated balance sheets Net amounts of liabilities presented in the unaudited consolidated balance sheets Gross amounts not offset in the (dollar amounts in millions) Gross amounts of recognized liabilities Financial instruments Cash collateral delivered Net amount At September 30, 2023 $ 2,237 $ (1,160) $ 1,077 $ — $ (114) $ 963 At December 31, 2022 2,337 (1,345) 992 (79) (118) 795

VARIABLE INTEREST ENTITIES

VARIABLE INTEREST ENTITIES	9 Months Ended
VARIABLE INTEREST ENTITIES	Sep. 30, 2023
Organization, Consolidation and Presentation of Financial Statements [Abstract]
VARIABLE INTEREST ENTITIES	VARIABLE INTEREST ENTITIES Unconsolidated VIEs The following tables provide a summary of the assets and liabilities included in Huntington’s Unaudited 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 September 30, 2023, and December 31, 2022: At September 30, 2023 (dollar amounts in millions) Total Assets Total Liabilities Maximum Exposure to Loss Affordable Housing Tax Credit Partnerships $ 2,231 $ 1,309 $ 2,231 Trust Preferred Securities 14 248 — Other Investments 777 136 777 Total $ 3,022 $ 1,693 $ 3,008 At December 31, 2022 (dollar amounts in millions) Total Assets Total Liabilities Maximum Exposure to Loss Affordable Housing Tax Credit Partnerships $ 2,036 $ 1,260 $ 2,036 Trust Preferred Securities 14 248 — Other Investments 522 141 522 Total $ 2,572 $ 1,649 $ 2,558 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 Unaudited Consolidated Statements of Income. The following table presents the balances of Huntington’s affordable housing tax credit investments and related unfunded commitments at September 30, 2023 and December 31, 2022. (dollar amounts in millions) At September 30, 2023 At December 31, 2022 Affordable housing tax credit investments $ 3,229 $ 2,891 Less: amortization (998) (855) Net affordable housing tax credit investments $ 2,231 $ 2,036 Unfunded commitments $ 1,309 $ 1,260 The following table presents other information relating to Huntington’s affordable housing tax credit investments for the three-month and nine-month periods ended September 30, 2023 and 2022. Three months ended September 30, Nine months ended September 30, (dollar amounts in millions) 2023 2022 2023 2022 Tax credits and other tax benefits recognized $ 66 $ 52 $ 197 $ 159 Proportional amortization expense included in provision for income taxes 55 45 164 131 There were no sales of affordable housing tax credit investments during the three-month and nine-month periods ended September 30, 2023 and 2022. There was no impairment recognized for the three-month and nine-month periods ended September 30, 2023 and 2022. Trust-Preferred Securities Huntington has certain wholly-owned trusts whose assets, liabilities, equity, income, and expenses are not included within Huntington’s Unaudited 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 Unaudited 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 Unaudited Consolidated Financial Statements. 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	9 Months Ended
COMMITMENTS AND CONTINGENT LIABILITIES	Sep. 30, 2023
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 Unaudited Consolidated Financial Statements. The contract amounts of these financial agreements at September 30, 2023 and December 31, 2022, were as follows: (dollar amounts in millions) At September 30, 2023 At December 31, 2022 Contract amount representing credit risk Commitments to extend credit: Commercial $ 32,426 $ 32,500 Consumer 19,598 19,064 Commercial real estate 2,816 3,393 Standby letters of credit and guarantees on industrial revenue bonds 761 714 Commercial letters of credit 10 15 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 $13 million and $27 million at September 30, 2023 and December 31, 2022, 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 $20 million at September 30, 2023 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. Following the failure of several financial institutions in the first half of 2023, the FDIC issued a notice of proposed rulemaking in May 2023 that would implement a special assessment to recover the cost associated with protecting uninsured depositors as part of those financial institution failures. We continue to monitor the status of the proposed special assessment and the impact to our future operating results. We expect to record the impact when the final rule is enacted.

SEGMENT REPORTING

SEGMENT REPORTING	9 Months Ended
SEGMENT REPORTING	Sep. 30, 2023
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 two business segments: Consumer & Regional Banking and Commercial Banking. The Treasury / Other function includes technology and operations, other unallocated assets, liabilities, revenue, and expense. See Note 1 “Basis of Presentation” for a description of the changes made during the second quarter 2023. Prior period results have been adjusted to conform to the new segment presentation. Consumer & Regional Banking - Consumer & Regional Banking offers a comprehensive set of digitally powered consumer and business financial solutions to Consumer Lending, Regional Banking, Branch Banking, and Wealth Management customers. The Consumer & Regional Banking segment provides a wide array of financial products and services to consumer and business customers including, but not limited to, deposits, lending, payments, mortgage banking, dealer financing, investment management, trust, brokerage, insurance, and other financial products and services. We serve our customers through our network of channels, including branches, online banking, mobile banking, telephone banking, and ATMs. Commercial Banking - The Commercial Banking segment provides expertise through bankers, capabilities, and digital channels, and includes a comprehensive set of product offerings. Our target clients span from mid-market to large corporates across a national footprint. The Commercial Banking segment leverages internal partnerships for wealth management, trust, insurance, payments, and treasury management capabilities. In particular, our payments capabilities continue to expand as we develop unique solutions for our diverse client segments, including Huntington ChoicePay. This segment includes customers in Middle Market Banking, Corporate, Specialty, and Government Banking, Asset Finance, Commercial Real Estate Banking, and Capital Markets. Listed in the following tables is certain operating basis financial information reconciled to Huntington’s September 30, 2023, December 31, 2022, and September 30, 2022, reported results by business segment. Income Statements Consumer & Regional Banking Commercial Banking Treasury / Other Huntington Consolidated (dollar amounts in millions) Three months ended September 30, 2023 Net interest income (loss) $ 1,211 $ 582 $ (425) $ 1,368 Provision for credit losses 82 17 — 99 Noninterest income 307 156 46 509 Noninterest expense 764 278 48 1,090 Provision (benefit) for income taxes 141 93 (98) 136 Income attributable to non-controlling interest — 5 — 5 Net income (loss) attributable to Huntington $ 531 $ 345 $ (329) $ 547 Three months ended September 30, 2022 Net interest income $ 896 $ 490 $ 18 $ 1,404 Provision for credit losses 22 84 — 106 Noninterest income 305 180 13 498 Noninterest expense 726 270 57 1,053 Provision (benefit) for income taxes 94 67 (15) 146 Income attributable to non-controlling interest — 3 — 3 Net income (loss) attributable to Huntington $ 359 $ 246 $ (11) $ 594 Nine months ended September 30, 2023 Net interest income (loss) $ 3,569 $ 1,722 $ (1,168) $ 4,123 Provision for credit losses 192 84 — 276 Noninterest income 953 479 84 1,516 Noninterest expense 2,283 830 113 3,226 Provision (benefit) for income taxes 430 270 (286) 414 Income attributable to non-controlling interest — 15 — 15 Net income (loss) attributable to Huntington $ 1,617 $ 1,002 $ (911) $ 1,708 Nine months ended September 30, 2022 Net interest income $ 2,237 $ 1,327 $ 247 $ 3,811 Provision for credit losses 189 9 — 198 Noninterest income 979 470 33 1,482 Noninterest expense 2,179 763 182 3,124 Provision (benefit) for income taxes 178 215 (22) 371 Income attributable to non-controlling interest — 7 — 7 Net income attributable to Huntington $ 670 $ 803 $ 120 $ 1,593 Assets at Deposits at (dollar amounts in millions) September 30, December 31, September 30, December 31, Consumer & Regional Banking $ 72,192 $ 70,268 $ 108,182 $ 105,064 Commercial Banking 63,473 63,611 36,023 36,807 Treasury / Other 50,985 49,027 4,662 6,043 Total $ 186,650 $ 182,906 $ 148,867 $ 147,914

Pay vs Performance Disclosure

Pay vs Performance Disclosure - USD ($) $ in Millions	3 Months Ended		9 Months Ended
Pay vs Performance Disclosure - USD ($) $ in Millions	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022
Pay vs Performance Disclosure
Net Income	$ 547	$ 594	$ 1,708	$ 1,593

Insider Trading Arrangements

Insider Trading Arrangements	3 Months Ended
Insider Trading Arrangements	Sep. 30, 2023
Trading Arrangements, by Individual
Rule 10b5-1 Arrangement Adopted	false
Non-Rule 10b5-1 Arrangement Adopted	false
Rule 10b5-1 Arrangement Terminated	false
Non-Rule 10b5-1 Arrangement Terminated	false

ACCOUNTING STANDARDS UPDATE (Po

ACCOUNTING STANDARDS UPDATE (Policies)	9 Months Ended
ACCOUNTING STANDARDS UPDATE (Policies)	Sep. 30, 2023
Accounting Standards Update and Change in Accounting Principle [Abstract]
Accounting Standards Update	ACCOUNTING STANDARDS UPDATE Accounting standards adopted in the current period Standard Summary of guidance Effects on financial Statements ASU 2022-02- Financial Instruments - Credit Losses (Topic 326): Troubled Debt Restructurings and Vintage Disclosures Issued March 2022 • The amendments in this update eliminate TDR accounting while enhancing disclosure requirements for certain loan modifications when a borrower is experiencing financial difficulty. The ASU also requires disclosure of current period gross charge-offs by year of origination for financing receivables and net investments in leases. • Management adopted the guidance during the first quarter 2023. • The ASU has been applied prospectively, except the portion of the standard related to the recognition and measurement of TDRs where we elected to use a modified retrospective transition method. • The adoption did not result in a material impact on Huntington’s Unaudited Consolidated Financial Statements. Accounting standards yet to be adopted Standard Summary of guidance Effects on financial statements ASU 2023-02 Investments - Equity Method and Joint Ventures (Topic 323): Accounting for Investments in Tax Credit Structures Using the Proportional Amortization Method Issued: March 2023 • Permits the election of the proportional amortization method for any tax equity investment that meets specific criteria. • Requires that the election be made on a tax-credit-program-by-tax-credit-program basis. • Receipt of tax credits must be accounted for using the flow through method. • Required that a liability be recorded for delayed equity contributions. • Expands disclosure requirements for the nature of investments and financial statement effect. • Effective for fiscal years beginning after December 15, 2023, including interim periods within those fiscal years. • Early adoption is permitted in any interim period. • If adopted in an interim period, it shall be adopted as if adopted at the beginning of the fiscal year. • The amendments can be applied in retrospective or modified retrospective basis, with a cumulative effect adjustment reflected in retained earnings. • Huntington does not expect adoption of the standard to have a material impact on its Unaudited Consolidated Financial Statements.

INVESTMENT SECURITIES AND OTH_2

INVESTMENT SECURITIES AND OTHER SECURITIES (Tables)	9 Months Ended
INVESTMENT SECURITIES AND OTHER SECURITIES (Tables)	Sep. 30, 2023
Investments, Debt and Equity Securities [Abstract]
Amortized Cost, Fair Value, and Gross Unrealized Gains and Losses by Investment Category	The following tables provide amortized cost, fair value, and gross unrealized gains and losses by investment category at September 30, 2023 and December 31, 2022: Unrealized (dollar amounts in millions) Amortized Cost (1)(2) Gross Gross Fair Value At September 30, 2023 Available-for-sale securities: U.S. Treasury $ 5 $ — $ — $ 5 Federal agencies: Residential CMO 3,661 1 (531) 3,131 Residential MBS 13,445 — (2,529) 10,916 Commercial MBS 2,544 — (815) 1,729 Other agencies 168 — (9) 159 Total U.S. Treasury, federal agency, and other agency securities 19,823 1 (3,884) 15,940 Municipal securities 3,702 1 (226) 3,477 Private-label CMO 133 — (15) 118 Asset-backed securities 391 — (40) 351 Corporate debt 2,209 109 (345) 1,973 Other securities/Sovereign debt 4 — — 4 Total available-for-sale securities $ 26,262 $ 111 $ (4,510) $ 21,863 Held-to-maturity securities: Federal agencies: Residential CMO $ 4,881 $ — $ (839) $ 4,042 Residential MBS 9,578 — (1,691) 7,887 Commercial MBS 1,580 — (300) 1,280 Other agencies 107 — (9) 98 Total federal agency and other agency securities 16,146 — (2,839) 13,307 Municipal securities 2 — — 2 Total held-to-maturity securities $ 16,148 $ — $ (2,839) $ 13,309 Other securities, at cost: Non-marketable equity securities: Federal Home Loan Bank stock $ 156 $ — $ — $ 156 Federal Reserve Bank stock 517 — — 517 Equity securities 15 — — 15 Other securities, at fair value: Mutual funds 29 — — 29 Equity securities 1 — — 1 Total other securities $ 718 $ — $ — $ 718 (1) Amortized cost amounts exclude accrued interest receivable, which is recorded within accrued income and other receivables on the Consolidated Balance Sheet s . At September 30, 2023, accrued interest receivable on available-for-sale securities and held-to-maturity securities totaled $70 million and $37 million, respectively. (2) Excluded from the amortized cost are portfolio level basis adjustments for securities designated in fair value hedges under the portfolio layer method. The basis adjustments totaled $916 million and represent a reduction to the amortized cost of the securities being hedged. The securities being hedged under the portfolio layer method are primarily Residential CMO and Residential MBS securities. Unrealized (dollar amounts in millions) Amortized Gross Gross Fair Value At December 31, 2022 Available-for-sale securities: U.S. Treasury $ 103 $ — $ — $ 103 Federal agencies: Residential CMO 3,336 — (422) 2,914 Residential MBS 14,349 4 (2,090) 12,263 Commercial MBS 2,565 — (612) 1,953 Other agencies 190 1 (9) 182 Total U.S. Treasury, federal agency, and other agency securities 20,543 5 (3,133) 17,415 Municipal securities 3,527 1 (238) 3,290 Private-label CMO 146 — (18) 128 Asset-backed securities 416 — (44) 372 Corporate debt 2,467 132 (385) 2,214 Other securities/Sovereign debt 4 — — 4 Total available-for-sale securities $ 27,103 $ 138 $ (3,818) $ 23,423 Held-to-maturity securities: Federal agencies: Residential CMO $ 4,970 $ 4 $ (714) $ 4,260 Residential MBS 10,295 — (1,375) 8,920 Commercial MBS 1,652 — (204) 1,448 Other agencies 133 — (9) 124 Total federal agency and other agency securities 17,050 4 (2,302) 14,752 Municipal securities 2 — — 2 Total held-to-maturity securities $ 17,052 $ 4 $ (2,302) $ 14,754 Other securities, at cost: Non-marketable equity securities: Federal Home Loan Bank stock $ 312 $ — $ — $ 312 Federal Reserve Bank stock 500 — — 500 Equity securities 10 — — 10 Other securities, at fair value: Mutual funds 31 — — 31 Equity securities 1 — — 1 Total other securities $ 854 $ — $ — $ 854 (1) Amortized cost amounts exclude accrued interest receivable, which is recorded within accrued income and other receivables on the Consolidated Balance Sheet s . At December 31, 2022, accrued interest receivable on available-for-sale securities and held-to-maturity securities totaled $64 million and $39 million, respectively. (2) Excluded from the amortized cost are portfolio level basis adjustments for securities designated in fair value hedges under the portfolio layer method. The basis adjustments totaled $849 million and represent a reduction to the amortized cost of the securities being hedged. The securities being hedged under the portfolio layer method are primarily Residential CMO and Residential MBS securities.
Investments by Contractual Maturity	The following table provides the amortized cost and fair value of securities by contractual maturity at September 30, 2023 and December 31, 2022. Expected maturities may differ from contractual maturities as issuers may have the right to call or prepay obligations with or without incurring penalties. At September 30, 2023 At December 31, 2022 (dollar amounts in millions) Amortized Cost Fair Value Amortized Cost Fair Value Available-for-sale securities: Under 1 year $ 434 $ 425 $ 518 $ 511 After 1 year through 5 years 2,636 2,437 2,182 2,033 After 5 years through 10 years 2,537 2,321 3,106 2,814 After 10 years 20,655 16,680 21,297 18,065 Total available-for-sale securities $ 26,262 $ 21,863 $ 27,103 $ 23,423 Held-to-maturity securities: Under 1 year $ 1 $ 1 $ — $ — After 1 year through 5 years 52 49 72 68 After 5 years through 10 years 72 66 71 66 After 10 years 16,023 13,193 16,909 14,620 Total held-to-maturity securities $ 16,148 $ 13,309 $ 17,052 $ 14,754
Investments with Unrealized Losses by Investment Category	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 September 30, 2023 and December 31, 2022: Less than 12 Months Over 12 Months Total (dollar amounts in millions) Fair Gross Unrealized Fair Gross Unrealized Fair Gross Unrealized At September 30, 2023 Available-for-sale securities: Federal agencies: Residential CMO $ 544 $ (16) $ 2,587 $ (515) $ 3,131 $ (531) Residential MBS 456 (21) 10,461 (2,508) 10,917 (2,529) Commercial MBS — — 1,729 (815) 1,729 (815) Other agencies 16 — 73 (9) 89 (9) Total federal agency and other agency securities 1,016 (37) 14,850 (3,847) 15,866 (3,884) Municipal securities 713 (29) 2,665 (197) 3,378 (226) Private-label CMO — — 95 (15) 95 (15) Asset-backed securities — — 351 (40) 351 (40) Corporate debt — — 1,973 (345) 1,973 (345) Total temporarily impaired available-for-sale securities $ 1,729 $ (66) $ 19,934 $ (4,444) $ 21,663 $ (4,510) Held-to-maturity securities: Federal agencies: Residential CMO $ 561 $ (16) $ 3,481 $ (823) $ 4,042 $ (839) Residential MBS 150 (7) 7,737 (1,684) 7,887 (1,691) Commercial MBS — — 1,280 (300) 1,280 (300) Other agencies — — 98 (9) 98 (9) Total federal agency and other agency securities 711 (23) 12,596 (2,816) 13,307 (2,839) Total temporarily impaired held-to-maturity securities $ 711 $ (23) $ 12,596 $ (2,816) $ 13,307 $ (2,839) Less than 12 Months Over 12 Months Total (dollar amounts in millions) Fair Gross Unrealized Fair Gross Unrealized Fair Gross Unrealized At December 31, 2022 Available-for-sale securities: Federal agencies: Residential CMO $ 2,096 $ (224) $ 818 $ (198) $ 2,914 $ (422) Residential MBS 2,455 (286) 9,490 (1,804) 11,945 (2,090) Commercial MBS 1,090 (249) 863 (363) 1,953 (612) Other agencies 40 (1) 56 (8) 96 (9) Total federal agency and other agency securities 5,681 (760) 11,227 (2,373) 16,908 (3,133) Municipal securities 2,298 (174) 807 (64) 3,105 (238) Private-label CMO 64 (13) 43 (5) 107 (18) Asset-backed securities 174 (10) 199 (34) 373 (44) Corporate debt 727 (105) 1,487 (280) 2,214 (385) Total temporarily impaired available-for-sale securities $ 8,944 $ (1,062) $ 13,763 $ (2,756) $ 22,707 $ (3,818) Held-to-maturity securities: Federal agencies: Residential CMO $ 1,702 $ (238) $ 2,283 $ (476) $ 3,985 $ (714) Residential MBS 4,151 (462) 4,711 (913) 8,862 (1,375) Commercial MBS 1,201 (154) 247 (50) 1,448 (204) Other agencies 124 (9) — — 124 (9) Total federal agency and other agency securities 7,178 (863) 7,241 (1,439) 14,419 (2,302) Total temporarily impaired held-to-maturity securities $ 7,178 $ (863) $ 7,241 $ (1,439) $ 14,419 $ (2,302)

LOANS AND LEASES (Tables)

LOANS AND LEASES (Tables)	9 Months Ended
LOANS AND LEASES (Tables)	Sep. 30, 2023
Receivables [Abstract]
Loan and Lease Portfolio	The following table provides a detailed listing of Huntington’s loan and lease portfolio at September 30, 2023 and December 31, 2022. (dollar amounts in millions) At September 30, 2023 At December 31, 2022 Commercial loan and lease portfolio: Commercial and industrial $ 49,422 $ 48,121 Commercial real estate 12,668 13,640 Lease financing 5,161 5,252 Total commercial loan and lease portfolio 67,251 67,013 Consumer loan portfolio: Residential mortgage 23,427 22,226 Automobile 12,724 13,154 Home equity 10,118 10,375 RV and marine 5,937 5,376 Other consumer 1,396 1,379 Total consumer loan portfolio 53,602 52,510 Total loans and leases (1)(2) 120,853 119,523 Allowance for loan and lease losses (2,208) (2,121) Net loans and leases $ 118,645 $ 117,402 (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 $(150) million and $3 million at September 30, 2023 and December 31, 2022, respectively. (2) The total amount of accrued interest recorded for these loans and leases at September 30, 2023, was $323 million and $209 million of commercial and consumer loan and lease portfolios, respectively, and at December 31, 2022, was $274 million and $186 million of commercial and consumer loan and lease portfolios, respectively. Accrued interest is presented in accrued income and other receivables within the Consolidated Balance Sheet
Direct Financing Lease, Lease Income	The following table presents net investments in lease financing receivables by category at September 30, 2023 and December 31, 2022. (dollar amounts in millions) At September 30, 2023 At December 31, 2022 Lease payments receivable $ 4,867 $ 4,916 Estimated residual value of leased assets 805 788 Gross investment in lease financing receivables 5,672 5,704 Deferred origination costs 53 46 Deferred fees, unearned income and other (564) (498) Total lease financing receivables $ 5,161 $ 5,252
NALs and Past Due Loans	The following table presents NALs by class at September 30, 2023 and December 31, 2022: At September 30, 2023 At December 31, 2022 (dollar amounts in millions) Nonaccrual loans and leases with no ACL Total nonaccrual loans and leases Nonaccrual loans and leases with no ACL Total nonaccrual loans and leases Commercial and industrial $ 48 $ 314 $ 49 $ 288 Commercial real estate 69 102 63 92 Lease financing 3 14 — 18 Residential mortgage — 75 — 90 Automobile — 4 — 4 Home equity — 82 — 76 RV and marine — 1 — 1 Total nonaccrual loans and leases $ 120 $ 592 $ 112 $ 569
Aging analysis of loans and leases	The following tables present an aging analysis of loans and leases, by class at September 30, 2023 and December 31, 2022: Past Due (1) Loans Accounted for Under FVO Total Loans 90 or (dollar amounts in millions) 30-59 60-89 90 or Total Current At September 30, 2023 Commercial and industrial $ 45 $ 31 $ 81 $ 157 $ 49,265 $ — $ 49,422 $ — Commercial real estate 21 5 27 53 12,615 — 12,668 — Lease financing 39 18 9 66 5,095 — 5,161 7 (2) Residential mortgage 230 68 170 468 22,785 174 23,427 124 (3) Automobile 81 20 11 112 12,612 — 12,724 8 Home equity 56 28 76 160 9,957 1 10,118 19 RV and marine 17 5 3 25 5,912 — 5,937 2 Other consumer 11 5 3 19 1,377 — 1,396 3 Total loans and leases $ 500 $ 180 $ 380 $ 1,060 $ 119,618 $ 175 $ 120,853 $ 163 At December 31, 2022 Commercial and industrial $ 53 $ 19 $ 108 $ 180 $ 47,941 $ — $ 48,121 $ 23 (4) Commercial real estate 2 1 9 12 13,628 — 13,640 — Lease financing 36 18 10 64 5,188 — 5,252 9 (2) Residential mortgage 246 69 199 514 21,528 184 22,226 146 (3) Automobile 88 20 11 119 13,035 — 13,154 9 Home equity 56 30 66 152 10,222 1 10,375 15 RV and marine 15 5 3 23 5,353 — 5,376 3 Other consumer 13 3 3 19 1,360 — 1,379 2 Total loans and leases $ 509 $ 165 $ 409 $ 1,083 $ 118,255 $ 185 $ 119,523 $ 207 (1) NALs are included in this aging analysis based on the loan’s past due status. (2) Amounts include Huntington Technology Finance administrative lease delinquencies. (3) Amounts include mortgage loans insured by U.S. government agencies.
Loan and lease balances by credit quality indicator	The following tables present the amortized cost basis of loans and leases by vintage and credit quality indicator at September 30, 2023 and December 31, 2022 respectively: At September 30, 2023 Term Loans Amortized Cost Basis by Origination Year Revolver Total at Amortized Cost Basis Revolver Total Converted to Term Loans (dollar amounts in millions) 2023 2022 2021 2020 2019 Prior Total Commercial and industrial Credit Quality Indicator (1): Pass $ 12,138 $ 11,025 $ 4,096 $ 2,354 $ 1,381 $ 1,593 $ 13,929 $ 5 $ 46,521 OLEM 98 214 81 31 15 13 344 — 796 Substandard 306 324 193 159 151 230 732 — 2,095 Doubtful 9 1 — — — — — — 10 Total Commercial and industrial $ 12,551 $ 11,564 $ 4,370 $ 2,544 $ 1,547 $ 1,836 $ 15,005 $ 5 $ 49,422 Commercial real estate Credit Quality Indicator (1): Pass $ 1,200 $ 3,562 $ 2,050 $ 1,154 $ 1,294 $ 1,469 $ 533 $ — $ 11,262 OLEM 117 290 116 53 33 25 1 — 635 Substandard 152 234 103 18 133 115 16 — 771 Total Commercial real estate $ 1,469 $ 4,086 $ 2,269 $ 1,225 $ 1,460 $ 1,609 $ 550 $ — $ 12,668 Lease financing Credit Quality Indicator (1): Pass $ 1,449 $ 1,479 $ 933 $ 680 $ 298 $ 155 $ — $ — $ 4,994 OLEM 4 10 9 9 3 1 — — 36 Substandard 8 49 38 13 14 8 — — 130 Doubtful — — 1 — — — — — 1 Total Lease financing $ 1,461 $ 1,538 $ 981 $ 702 $ 315 $ 164 $ — $ — $ 5,161 Residential mortgage Credit Quality Indicator (2): 750+ $ 1,609 $ 3,972 $ 6,077 $ 3,330 $ 769 $ 2,253 $ — $ — $ 18,010 650-749 882 1,023 970 515 188 794 — — 4,372 <650 54 72 81 64 86 514 — — 871 Total Residential mortgage $ 2,545 $ 5,067 $ 7,128 $ 3,909 $ 1,043 $ 3,561 $ — $ — $ 23,253 Automobile Credit Quality Indicator (2): 750+ $ 1,993 $ 2,158 $ 1,709 $ 862 $ 457 $ 135 $ — $ — $ 7,314 650-749 1,250 1,423 1,007 426 205 78 — — 4,389 <650 164 306 294 134 75 48 — — 1,021 Total Automobile $ 3,407 $ 3,887 $ 3,010 $ 1,422 $ 737 $ 261 $ — $ — $ 12,724 Home equity Credit Quality Indicator (2): 750+ $ 322 $ 443 $ 530 $ 553 $ 18 $ 261 $ 4,490 $ 231 $ 6,848 650-749 99 103 68 59 7 105 2,046 231 2,718 <650 2 6 4 3 2 45 360 129 551 Total Home equity $ 423 $ 552 $ 602 $ 615 $ 27 $ 411 $ 6,896 $ 591 $ 10,117 RV and marine Credit Quality Indicator (2): 750+ $ 1,070 $ 1,007 $ 899 $ 616 $ 308 $ 647 $ — $ — $ 4,547 650-749 273 256 260 164 95 222 — — 1,270 <650 4 13 22 19 15 47 — — 120 Total RV and marine $ 1,347 $ 1,276 $ 1,181 $ 799 $ 418 $ 916 $ — $ — $ 5,937 Other consumer Credit Quality Indicator (2): 750+ $ 152 $ 89 $ 44 $ 22 $ 20 $ 53 $ 398 $ 3 $ 781 650-749 75 48 19 7 6 13 366 14 548 <650 4 6 3 1 2 1 37 13 67 Total Other consumer $ 231 $ 143 $ 66 $ 30 $ 28 $ 67 $ 801 $ 30 $ 1,396 (1) Consistent with the credit quality disclosures, indicators for the Commercial portfolio are based on internally defined categories of credit grades. (2) Consistent with the credit quality disclosures, indicators for the Consumer portfolio are based on updated customer credit scores refreshed at least quarterly. At December 31, 2022 Term Loans Amortized Cost Basis by Origination Year Revolver Total at Amortized Cost Basis Revolver Total Converted to Term Loans (dollar amounts in millions) 2022 2021 2020 2019 2018 Prior Total Commercial and industrial Credit Quality Indicator (1): Pass $ 18,092 $ 6,742 $ 3,332 $ 2,107 $ 1,156 $ 1,186 $ 13,060 $ 3 $ 45,678 OLEM 108 139 72 21 49 26 113 — 528 Substandard 368 183 203 212 142 256 550 — 1,914 Doubtful — — — — — 1 — — 1 Total Commercial and industrial $ 18,568 $ 7,064 $ 3,607 $ 2,340 $ 1,347 $ 1,469 $ 13,723 $ 3 $ 48,121 Commercial real estate Credit Quality Indicator (1): Pass $ 4,022 $ 3,115 $ 1,562 $ 1,662 $ 829 $ 1,020 $ 519 $ — $ 12,729 OLEM 61 53 1 43 6 9 — — 173 Substandard 231 116 92 74 84 140 1 — 738 Total Commercial real estate $ 4,314 $ 3,284 $ 1,655 $ 1,779 $ 919 $ 1,169 $ 520 $ — $ 13,640 Lease financing Credit Quality Indicator (1): Pass $ 1,930 $ 1,291 $ 952 $ 447 $ 186 $ 143 $ — $ — $ 4,949 OLEM 32 9 15 18 6 3 — — 83 Substandard 65 37 74 24 9 11 — — 220 Total Lease financing $ 2,027 $ 1,337 $ 1,041 $ 489 $ 201 $ 157 $ — $ — $ 5,252 Residential mortgage Credit Quality Indicator (2): 750+ $ 3,666 $ 6,274 $ 3,566 $ 846 $ 469 $ 2,070 $ — $ — $ 16,891 650-749 1,394 1,172 617 211 137 777 — — 4,308 <650 49 68 61 95 90 480 — — 843 Total Residential mortgage $ 5,109 $ 7,514 $ 4,244 $ 1,152 $ 696 $ 3,327 $ — $ — $ 22,042 Automobile Credit Quality Indicator (2): 750+ $ 2,770 $ 2,212 $ 1,243 $ 777 $ 289 $ 98 $ — $ — $ 7,389 650-749 1,944 1,508 683 367 162 52 — — 4,716 <650 307 352 173 115 67 35 — — 1,049 Total Automobile $ 5,021 $ 4,072 $ 2,099 $ 1,259 $ 518 $ 185 $ — $ — $ 13,154 Home equity Credit Quality Indicator (2): 750+ $ 463 $ 573 $ 611 $ 23 $ 20 $ 301 $ 4,787 $ 252 $ 7,030 650-749 131 88 68 9 8 122 2,129 261 2,816 <650 3 3 3 2 2 51 335 129 528 Total Home equity $ 597 $ 664 $ 682 $ 34 $ 30 $ 474 $ 7,251 $ 642 $ 10,374 RV and marine Credit Quality Indicator (2): 750+ $ 1,148 $ 1,031 $ 731 $ 361 $ 354 $ 438 $ — $ — $ 4,063 650-749 290 315 200 118 113 169 — — 1,205 <650 5 18 15 17 17 36 — — 108 Total RV and marine $ 1,443 $ 1,364 $ 946 $ 496 $ 484 $ 643 $ — $ — $ 5,376 Other consumer Credit Quality Indicator (2): 750+ $ 207 $ 64 $ 35 $ 34 $ 13 $ 52 $ 393 $ 3 $ 801 650-749 71 30 12 15 4 14 355 16 517 <650 3 3 2 3 1 2 33 14 61 Total Other consumer $ 281 $ 97 $ 49 $ 52 $ 18 $ 68 $ 781 $ 33 $ 1,379 (1) Consistent with the credit quality disclosures, indicators for the Commercial portfolio are based on internally defined categories of credit grades. (2) Consistent with the credit quality disclosures, indicators for the Consumer portfolio are based on updated customer credit scores refreshed at least quarterly. The following tables present the gross charge-offs of loans and leases by vintage. Term Loans Gross Charge-offs by Origination Year Revolver Gross Charge-offs Revolver Converted to Term Loans Gross Charge-offs (dollar amounts in millions) 2023 2022 2021 2020 2019 Prior Total Three months ended September 30, 2023 Commercial and industrial $ 2 $ 21 $ 6 $ 6 $ 15 $ 1 $ 3 $ — $ 54 Commercial real estate 5 6 — — 10 — 7 — 28 Lease Financing — 3 — — — — — — 3 Residential mortgage — — — — — 1 — — 1 Automobile 1 5 3 1 1 1 — — 12 Home equity — — — — — 1 — 1 2 RV and marine — — 1 1 1 2 — — 5 Other consumer 5 5 3 1 1 4 — 7 26 Total $ 13 $ 40 $ 13 $ 9 $ 28 $ 10 $ 10 $ 8 $ 131 Nine months ended September 30, 2023 Commercial and industrial $ 4 $ 39 $ 23 $ 13 $ 26 $ 11 $ 7 $ 1 $ 124 Commercial real estate 5 9 19 — 15 5 7 — 60 Lease Financing — 3 1 1 — 1 — — 6 Residential mortgage — — 1 — — 3 — — 4 Automobile 1 11 11 5 4 3 — — 35 Home equity — — — — — 1 1 4 6 RV and marine — 1 2 2 2 5 — — 12 Other consumer 8 18 11 4 4 10 — 20 75 Total $ 18 $ 81 $ 68 $ 25 $ 51 $ 39 $ 15 $ 25 $ 322
Summary of modifications	The following table summarizes the amortized cost basis of loans modified during the reporting period to borrowers experiencing financial difficulty, disaggregated by class of financing receivable and type of modification. Amortized Cost (dollar amounts in millions) Interest rate reduction Term extension Payment deferral Combo - interest rate reduction and term extension Total % of total loan class (1) Three months ended September 30, 2023 Commercial and industrial $ 1 $ 147 $ — $ 1 $ 149 0.30 % Commercial real estate — 52 — 4 56 0.44 Residential mortgage — 15 — 1 16 0.07 Automobile — 4 — — 4 0.03 Home equity — — — 3 3 0.03 Total loans to borrowers experiencing financial difficulty in which modifications were made $ 1 $ 218 $ — $ 9 $ 228 0.19 % Nine months ended September 30, 2023 Commercial and industrial $ 33 $ 291 $ — $ 4 $ 328 0.66 % Commercial real estate — 138 — 4 142 1.12 Residential mortgage — 50 2 3 55 0.23 Automobile — 11 — 1 12 0.09 Home equity — 1 — 8 9 0.09 RV and marine — 1 — — 1 0.02 Other consumer 1 — — — 1 0.07 Total loans to borrowers experiencing financial difficulty in which modifications were made $ 34 $ 492 $ 2 $ 20 $ 548 0.45 % (1) Represents the amortized cost of loans modified during the reporting period as a percentage of the period-end loan balance by class. The following table describes the financial effect of the modification made to borrowers experiencing financial difficulty. Interest Rate Reduction (1) Term Extension (1) Weighted-average contractual interest rate Weighted-average years added to the life From To Three months ended September 30, 2023 Commercial and industrial 10.56 % 8.11 % 1.0 Commercial real estate 13.78 9.12 0.6 Residential mortgage 6.98 5.14 8.4 Nine months ended September 30, 2023 Commercial and industrial 7.96 % 7.25 % 1.0 Commercial real estate 13.76 9.12 0.7 Residential mortgage 6.04 4.59 7.6 Automobile 6.53 6.18 2.0 Home equity 8.71 6.04 14.6 (1) Certain disclosures related to financial effects of modifications do not include those deemed to be immaterial. At September 30, 2023 Past Due (dollar amounts in millions) 30-59 60-89 90 or Total Current Total Commercial and industrial $ 2 $ 1 $ 3 $ 6 $ 322 $ 328 Commercial real estate — 5 1 6 136 142 Residential mortgage 10 5 7 22 33 55 Automobile 1 — — 1 11 12 Home equity — — 1 1 8 9 RV and marine — — — — 1 1 Other consumer — — — — 1 1 Total loans to borrowers experiencing financial difficulty in which modifications were made in the nine months ended September 30, 2023 $ 13 $ 11 $ 12 $ 36 $ 512 $ 548
Summary of Troubled Debt Restructuring Note, Debtor	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 three-month and nine-month period ended September 30, 2022. New Troubled Debt Restructurings (1) 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 Three months ended September 30, 2022 Commercial and industrial 81 $ 39 $ 22 $ — $ 13 $ 74 Commercial real estate 7 5 10 — — 15 Residential mortgage 184 — 25 1 — 26 Automobile 697 — 6 1 — 7 Home equity 54 — 1 — — 1 RV and marine 31 — 1 1 — 2 Other consumer 38 — — — — — Total new TDRs 1,092 $ 44 $ 65 $ 3 $ 13 $ 125 Nine months ended September 30, 2022 Commercial and industrial 222 $ 69 $ 37 $ — $ 14 $ 120 Commercial real estate 12 42 10 — — 52 Residential mortgage 629 — 85 5 — 90 Automobile 1,791 — 13 2 — 15 Home equity 166 — 5 3 — 8 RV and marine 105 — 2 1 — 3 Other consumer 91 — — — — — Total new TDRs 3,016 $ 111 $ 152 $ 11 $ 14 $ 288 (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)	9 Months Ended
ALLOWANCE FOR CREDIT LOSSES (Tables)	Sep. 30, 2023
Credit Loss [Abstract]
Allowance Roll-forward	Allowance for Credit Losses - Roll-forward The following tables present ACL activity by portfolio segment for the three-month and nine-month periods ended September 30, 2023 and 2022. (dollar amounts in millions) Commercial Consumer Total Three months ended September 30, 2023 ALLL balance, beginning of period $ 1,483 $ 694 $ 2,177 Loan and lease charge-offs (85) (46) (131) Recoveries of loans and leases previously charged-off 40 18 58 Provision for loan and lease losses 66 38 104 ALLL balance, end of period $ 1,504 $ 704 $ 2,208 AULC balance, beginning of period $ 78 $ 87 $ 165 Provision for unfunded lending commitments (2) (3) (5) AULC balance, end of period $ 76 $ 84 $ 160 ACL balance, end of period $ 1,580 $ 788 $ 2,368 Nine months ended September 30, 2023 ALLL balance, beginning of period $ 1,424 $ 697 $ 2,121 Loan and lease charge-offs (190) (132) (322) Recoveries of loans and leases previously charged-off 89 54 143 Provision for loan and lease losses 181 85 266 ALLL balance, end of period $ 1,504 $ 704 $ 2,208 AULC balance, beginning of period $ 71 $ 79 $ 150 Provision for unfunded lending commitments 5 5 10 AULC balance, end of period $ 76 $ 84 $ 160 ACL balance, end of period $ 1,580 $ 788 $ 2,368 (dollar amounts in millions) Commercial Consumer Total Three months ended September 30, 2022 ALLL balance, beginning of period $ 1,342 $ 732 $ 2,074 Loan and lease charge-offs (35) (48) (83) Recoveries of loans and leases previously charged-off 20 19 39 Provision (benefit) for loan and lease losses 87 (7) 80 ALLL balance, end of period $ 1,414 $ 696 $ 2,110 AULC balance, beginning of period $ 53 $ 41 $ 94 Provision (benefit) for unfunded lending commitments 8 18 26 AULC balance, end of period $ 61 $ 59 $ 120 ACL balance, end of period $ 1,475 $ 755 $ 2,230 Nine months ended September 30, 2022 ALLL balance, beginning of period $ 1,462 $ 568 $ 2,030 Loan and lease charge-offs (77) (139) (216) Recoveries of loans and leases previously charged-off 83 62 145 Provision (benefit) for loan and lease losses (54) 205 151 ALLL balance, end of period $ 1,414 $ 696 $ 2,110 AULC balance, beginning of period $ 41 $ 36 $ 77 Provision for unfunded lending commitments 20 23 43 AULC balance, end of period $ 61 $ 59 $ 120 ACL balance, end of period $ 1,475 $ 755 $ 2,230

MORTGAGE LOAN SALES AND SERVI_2

MORTGAGE LOAN SALES AND SERVICING RIGHTS (Tables)	9 Months Ended
MORTGAGE LOAN SALES AND SERVICING RIGHTS (Tables)	Sep. 30, 2023
Transfers and Servicing [Abstract]
Summarizes activity relating to loans securitized sold with servicing retained	The following table summarizes activity relating to residential mortgage loans sold with servicing retained for the three-month and nine-month periods ended September 30, 2023 and 2022: Three months ended September 30, Nine months ended September 30, (dollar amounts in millions) 2023 2022 2023 2022 Residential mortgage loans sold with servicing retained $ 1,100 $ 1,310 $ 3,079 $ 4,557 Pretax gains resulting from above loan sales (1) 21 11 43 110 (1) Recorded in mortgage banking income.
Summarizes activity relating to loans sold with servicing retained using the fair value method	The following table summarizes the changes in MSRs recorded using the fair value method for the three-month and nine-month periods ended September 30, 2023 and 2022: Three months ended September 30, Nine months ended September 30, (dollar amounts in millions) 2023 2022 2023 2022 Fair value, beginning of period $ 505 $ 463 $ 494 $ 351 New servicing assets created 17 20 48 68 Change in fair value during the period due to: Time decay (1) (6) (6) (18) (16) Payoffs (2) (7) (8) (18) (29) Changes in valuation inputs or assumptions (3) 38 17 41 112 Fair value, end of period $ 547 $ 486 $ 547 $ 486 (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 of the servicing rights value to changes in the assumptions	A summary of key assumptions and the sensitivity of the MSR value to changes in these assumptions at September 30, 2023, and December 31, 2022 follows: At September 30, 2023 At December 31, 2022 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) 6.86 % $ (13) $ (26) 7.05 % $ (13) $ (25) Spread over forward interest rate swap rates 557 bps (12) (24) 578 bps (12) (22)

BORROWINGS (Tables)

BORROWINGS (Tables)	9 Months Ended
BORROWINGS (Tables)	Sep. 30, 2023
Debt Disclosure [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 September 30, 2023 and December 31, 2022, respectively: (dollar amounts in millions) At September 30, 2023 At December 31, 2022 Federal funds purchased and securities sold under agreements to repurchase $ 656 $ 253 FHLB advances — 1,700 Other borrowings 25 74 Total short-term borrowings $ 681 $ 2,027
Schedule of Long-term Debt Instruments	Huntington’s long-term debt consisted of the following at September 30, 2023 and December 31, 2022, respectively: (dollar amounts in millions) At September 30, 2023 At December 31, 2022 The Parent Company: Senior Notes $ 4,116 $ 3,005 Subordinated Notes 730 975 Total notes issued by the parent 4,846 3,980 The Bank: Senior Notes 4,114 4,272 Subordinated Notes 651 651 Total notes issued by the bank 4,765 4,923 FHLB Advances (1) 2,707 211 Other 504 572 Total long-term debt $ 12,822 $ 9,686 (1) 4.21% weighted average rate, varying maturities greater than one year.

OTHER COMPREHENSIVE INCOME (Tab

OTHER COMPREHENSIVE INCOME (Tables)	9 Months Ended
OTHER COMPREHENSIVE INCOME (Tables)	Sep. 30, 2023
Equity [Abstract]
Components of other comprehensive income	The components of Huntington’s OCI for the three-month and nine-month periods ended September 30, 2023 and 2022, were as follows: (dollar amounts in millions) Pretax Tax (expense) benefit After-tax Three months ended September 30, 2023 Unrealized gains (losses) on available-for-sale securities arising during the period $ (826) $ 190 $ (636) Reclassification adjustment for realized net losses included in net income 3 — 3 Total unrealized gains (losses) on available-for-sale securities (823) 190 (633) Net impact of fair value hedges on available-for-sale securities 87 (20) 67 Unrealized gains (losses) on cash flow hedges during the period (119) 28 (91) Reclassification adjustment for cash flow hedges included in net income 67 (26) 41 Net change related to cash flow hedges on loans (52) 2 (50) Foreign currency translation adjustment (1) (6) — (6) Net unrealized gains (losses) on net investment hedges 5 — 5 Translation adjustments, net of hedges (1) (1) — (1) Change in accumulated unrealized gains for pension and other post-retirement obligations 1 — 1 Other comprehensive income (loss) $ (788) $ 172 $ (616) Three months ended September 30, 2022 Unrealized losses on available-for-sale securities arising during the period $ (1,265) $ 291 $ (974) Reclassification adjustment for realized net losses included in net income 4 (1) 3 Total unrealized losses on available-for-sale securities (1,261) 290 (971) Net impact of fair value hedges on available-for-sale securities 325 (75) 250 Net change related to cash flow hedges on loans (591) 135 (456) Translation adjustments, net of hedges (1) (4) — (4) Change in accumulated unrealized gains for pension and other post-retirement obligations 3 — 3 Other comprehensive income (loss) $ (1,528) $ 350 $ (1,178) Nine months ended September 30, 2023 Unrealized gains (losses) on available-for-sale securities arising during the period $ (729) $ 168 $ (561) Reclassification adjustment for realized net losses included in net income 41 (9) 32 Total unrealized gains (losses) on available-for-sale securities (688) 159 (529) Net impact of fair value hedges on available-for-sale securities 44 (10) 34 Unrealized gains (losses) on cash flow hedging relationships arising during the period (154) 40 (114) Reclassification adjustment for cash flow hedges included in net income 113 (29) 84 Net change related to cash flow hedges (41) 11 (30) Translation adjustments, net of hedges (1) — — — Change in accumulated unrealized gains for pension and other post-retirement obligations 1 — 1 Other comprehensive income (loss) $ (684) $ 160 $ (524) Nine months ended September 30, 2022 Unrealized losses on available-for-sale securities arising during the period $ (3,952) $ 909 $ (3,043) Reclassification adjustment for realized net losses included in net income 95 (22) 73 Total unrealized losses on available-for-sale securities (3,857) 887 (2,970) Net impact of fair value hedges on available-for-sale securities 917 (212) 705 Net change related to cash flow hedges (1,012) 230 (782) Translation adjustments, net of hedges (1) (6) — (6) Change in accumulated unrealized gains for pension and other post-retirement obligations 8 (2) 6 Other comprehensive income (loss) $ (3,950) $ 903 $ (3,047) (1) Foreign investments are deemed to be permanent in nature and, therefore, Huntington does not provide for taxes on foreign currency translation adjustments.
Activity in accumulated other comprehensive income, net of tax	Activity in accumulated OCI for the three-month and nine-month periods ended September 30, 2023 and 2022, were as follows: (dollar amounts in millions) Unrealized gains (losses) on available-for-sale securities (1) Net impact of fair value hedges on available-for-sale securities Net change related to cash flow hedges on loans Translation adjustments, net of hedges Unrealized gains (losses) for pension and other post- retirement obligations Total Three months ended September 30, 2023 Balance, beginning of period $ (2,898) $ 721 $ (612) $ (7) $ (210) $ (3,006) Other comprehensive income (loss) before reclassifications (636) 67 (91) (1) — (661) Amounts reclassified from accumulated OCI to earnings 3 — 41 — 1 45 Period change (633) 67 (50) (1) 1 (616) Balance, end of period $ (3,531) $ 788 $ (662) $ (8) $ (209) $ (3,622) Three months ended September 30, 2022 Balance, beginning of period $ (2,152) $ 544 $ (263) $ (5) $ (222) $ (2,098) Other comprehensive income (loss) before reclassifications (974) 250 (456) (4) — (1,184) Amounts reclassified from accumulated OCI to earnings 3 — — — 3 6 Period change (971) 250 (456) (4) 3 (1,178) Balance, end of period $ (3,123) $ 794 $ (719) $ (9) $ (219) $ (3,276) Nine months ended September 30, 2023 Balance, beginning of period $ (3,002) $ 754 $ (632) $ (8) $ (210) $ (3,098) Other comprehensive income (loss) before reclassifications (561) 34 (114) — — (641) Amounts reclassified from accumulated OCI to earnings 32 84 — 1 117 Period change (529) 34 (30) — 1 (524) Balance, end of period $ (3,531) $ 788 $ (662) $ (8) $ (209) $ (3,622) Nine months ended September 30, 2022 Balance, beginning of period $ (153) $ 89 $ 63 $ (3) $ (225) $ (229) Other comprehensive income (loss) before reclassifications (3,043) 705 (782) (6) — (3,126) Amounts reclassified from accumulated OCI to earnings 73 — — — 6 79 Period change (2,970) 705 (782) (6) 6 (3,047) Balance, end of period $ (3,123) $ 794 $ (719) $ (9) $ (219) $ (3,276) (1) AOCI amounts at September 30, 2023 and September 30, 2022 include $60 million and $69 million, respectively, of net unrealized losses (after-tax) 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)	9 Months Ended
SHAREHOLDERS' EQUITY (Tables)	Sep. 30, 2023
Equity [Abstract]
Schedule of Stock	The following is a summary of Huntington’s non-cumulative, non-voting, perpetual preferred stock outstanding. (dollar amounts in millions) Carrying Amount Series Issuance Date Shares Outstanding Dividend Rate Earliest Redemption Date (1) At September 30, 2023 At December 31, 2022 Series B (2) 12/28/2011 35,500 Variable (3) 1/15/2017 $ 23 $ 23 Series E (4) 2/27/2018 5,000 Variable (5) 4/15/2023 495 495 Series F (4) 5/27/2020 5,000 5.625 7/15/2030 494 494 Series G (4) 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 486 486 Series I (6) 6/9/2021 7,000 5.70 12/01/2022 175 175 Series J (2) 3/6/2023 325,000 6.875 4/15/2028 317 — Total 882,500 $ 2,484 $ 2,167 (1) Redeemable at Huntington’s option on the date stated or on a quarterly basis thereafter. (2) Series B, H, and J preferred stock have a liquidation value and redemption price per share of $1,000, plus any declared and unpaid dividends. (3) Series B dividend rate converted to 3-month CME Term SOFR + 26 bps LIBOR spread adjustment + 270 bps effective July 15, 2023. Prior to July 15, 2023, the dividend rate was 3-mo. LIBOR + 270 bps. (4) Series E, F, and G preferred stock have a liquidation value and redemption price per share of $100,000, plus any declared and unpaid dividends. (5) Series E dividend rate converted to 3-month CME Term SOFR + 26 bps LIBOR spread adjustment + 288 bps effective July 15, 2023. Prior to July 15, 2023, the dividend rate was 3-mo. LIBOR +288 bps. (6) Series I preferred stock has a liquidation value and redemption price per share of $25,000, plus any declared and unpaid dividends. The following table presents the dividends declared for each series of Preferred shares for the three-month and nine-month periods ended September 30, 2023 and 2022: Three months ended September 30, Nine months ended September 30, (amounts in millions, except per share data) 2023 2022 2023 2022 Cash Dividend Declared Per Share Cash Dividend Declared Per Share Cash Dividend Declared Per Share Cash Dividend Declared Per Share Preferred Series Amount ($) Amount ($) Amount ($) Amount ($) Series B $ 20.67 $ (1) $ 16.95 $ — $ 59.39 $ (2) $ 39.34 $ — Series E 2,112.39 (11) 1,425.00 (7) 5,572.46 (28) 4,275.00 (21) Series F 1,406.25 (7) 1,406.25 (7) 4,218.75 (21) 4,218.75 (21) Series G 1,112.50 (5) 1,112.50 (6) 3,337.50 (17) 3,337.50 (18) Series H 11.25 (5) 11.25 (6) 33.75 (17) 33.75 (18) Series I 356.25 (2) 356.25 (3) 1,068.75 (7) 1,068.75 (7) Series J 17.19 (6) — — 41.83 (14) — — Total $ (37) $ (29) $ (106) $ (85)

EARNINGS PER SHARE (Tables)

EARNINGS PER SHARE (Tables)	9 Months Ended
EARNINGS PER SHARE (Tables)	Sep. 30, 2023
Earnings Per Share [Abstract]
Basic and diluted earnings per share	The calculation of basic and diluted earnings per share for the three-month and nine-month periods ended September 30, 2023 and 2022 was as follows: Three months ended September 30, Nine months ended September 30, (dollar amounts in millions, except per share data, share count in thousands) 2023 2022 2023 2022 Basic earnings per common share: Net income attributable to Huntington $ 547 $ 594 $ 1,708 $ 1,593 Preferred stock dividends 37 29 106 85 Net income available to common shareholders $ 510 $ 565 $ 1,602 $ 1,508 Average common shares issued and outstanding 1,447,993 1,442,591 1,445,878 1,440,740 Basic earnings per common share $ 0.35 $ 0.39 $ 1.11 $ 1.05 Diluted earnings per common share: Average dilutive potential common shares: Stock options and restricted stock units and awards 12,183 16,064 14,670 17,078 Shares held in deferred compensation plans 7,435 6,428 6,989 6,416 Average dilutive potential common shares 19,618 22,492 21,659 23,494 Total diluted average common shares issued and outstanding 1,467,611 1,465,083 1,467,537 1,464,234 Diluted earnings per common share $ 0.35 $ 0.39 $ 1.09 $ 1.03 Anti-dilutive awards (1) 11,736 7,121 11,188 5,565 (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)	9 Months Ended
NONINTEREST INCOME (Tables)	Sep. 30, 2023
Revenue from Contract with Customer [Abstract]
Schedule of Noninterest 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. (dollar amounts in millions) Three months ended September 30, Nine months ended September 30, Noninterest income 2023 2022 2023 2022 Noninterest income from contracts with customers $ 338 $ 345 $ 1,047 $ 975 Noninterest income within the scope of other GAAP topics 171 153 469 507 Total noninterest income $ 509 $ 498 $ 1,516 $ 1,482 The following table illustrates the disaggregation by operating segment and major revenue stream and reconciles disaggregated revenue to segment revenue presented in Note 16 “ Segment Reporting ”. (dollar amounts in millions) Consumer & Regional Banking Commercial Banking Treasury / Other Huntington Consolidated Major Revenue Streams Three months ended September 30, 2023 Service charges on deposit accounts $ 78 $ 19 $ — $ 97 Card and payment processing income 89 7 — 96 Trust and investment management services 58 4 — 62 Insurance income 29 2 — 31 Capital markets fees 2 25 (1) 26 Other noninterest income 9 18 (1) 26 Net revenue from contracts with customers 265 75 (2) 338 Noninterest income within the scope of other GAAP topics 42 81 48 171 Total noninterest income $ 307 $ 156 $ 46 $ 509 Three months ended September 30, 2022 Service charges on deposit accounts $ 73 $ 20 $ — $ 93 Card and payment processing income 84 6 — 90 Trust and investment management services 59 1 — 60 Insurance income 25 2 1 28 Capital markets fees 3 37 (2) 38 Other noninterest income 8 29 (1) 36 Net revenue from contracts with customers 252 95 (2) 345 Noninterest income within the scope of other GAAP topics 53 85 15 153 Total noninterest income $ 305 $ 180 $ 13 $ 498 Nine months ended September 30, 2023 Service charges on deposit accounts $ 211 $ 56 $ — $ 267 Card and payment processing income 258 20 — 278 Trust and investment management services 181 11 — 192 Insurance income 88 7 — 95 Capital markets fees 9 71 (1) 79 Other noninterest income 79 59 (2) 136 Net revenue from contracts with customers 826 224 (3) 1,047 Noninterest income within the scope of other GAAP topics 127 255 87 469 Total noninterest income $ 953 $ 479 $ 84 $ 1,516 Nine months ended September 30, 2022 Service charges on deposit accounts $ 230 $ 65 $ — $ 295 Card and payment processing income 242 17 — 259 Trust and investment management services 185 3 — 188 Insurance income 79 6 1 86 Capital markets fees 9 48 (2) 55 Other noninterest income 21 72 (1) 92 Net revenue from contracts with customers 766 211 (2) 975 Noninterest income within the scope of other GAAP topics 213 259 35 507 Total noninterest income $ 979 $ 470 $ 33 $ 1,482

FAIR VALUES OF ASSETS AND LIA_2

FAIR VALUES OF ASSETS AND LIABILITIES (Tables)	9 Months Ended
FAIR VALUES OF ASSETS AND LIABILITIES (Tables)	Sep. 30, 2023
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 Fair Value Measurements at Reporting Date Using Netting Adjustments (1) At September 30, 2023 (dollar amounts in millions) Level 1 Level 2 Level 3 Assets Trading account securities: U.S. Treasury securities $ 90 $ — $ — $ — $ 90 Municipal securities — 20 — — 20 Corporate debt — 11 — — 11 Total trading account securities 90 31 — — 121 Available-for-sale securities: U.S. Treasury securities 5 — — — 5 Residential CMO — 3,131 — — 3,131 Residential MBS — 10,916 — — 10,916 Commercial MBS — 1,729 — — 1,729 Other agencies — 159 — — 159 Municipal securities — 40 3,437 — 3,477 Private-label CMO — 98 20 — 118 Asset-backed securities — 276 75 — 351 Corporate debt — 1,973 — — 1,973 Other securities/sovereign debt — 4 — — 4 Total available-for-sale securities 5 18,326 3,532 — 21,863 Other securities 29 1 — — 30 Loans held for sale — 601 — — 601 Loans held for investment — 122 53 — 175 MSRs — — 547 — 547 Other assets: Derivative assets — 2,383 4 (1,923) 464 Assets held in trust for deferred compensation plans 161 — — — 161 Liabilities Derivative liabilities — 2,232 5 (1,160) 1,077 Fair Value Measurements at Reporting Date Using Netting Adjustments (1) At December 31, 2022 (dollar amounts in millions) Level 1 Level 2 Level 3 Assets Trading account securities: Municipal securities $ — $ 19 $ — $ — $ 19 Available-for-sale securities: U.S. Treasury securities 103 — — — 103 Residential CMOs — 2,914 — — 2,914 Residential MBS — 12,263 — — 12,263 Commercial MBS — 1,953 — — 1,953 Other agencies — 182 — — 182 Municipal securities — 42 3,248 — 3,290 Private-label CMO — 108 20 — 128 Asset-backed securities — 298 74 — 372 Corporate debt — 2,214 — — 2,214 Other securities/sovereign debt — 4 — — 4 Total available-for-sale securities 103 19,978 3,342 — 23,423 Other securities 31 1 — — 32 Loans held for sale — 520 — — 520 Loans held for investment — 169 16 — 185 MSRs — — 494 — 494 Other assets: Derivative assets — 2,161 3 (1,808) 356 Assets held in trust for deferred compensation plans 155 — — — 155 Liabilities Derivative liabilities — 2,332 5 (1,345) 992 (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.
Rollforward of financial instruments 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 instruments Municipal securities Private- Asset-backed securities Three months ended September 30, 2023 Opening balance $ 505 $ (2) $ 3,496 $ 20 $ 75 $ 33 Transfers into Level 3 — — — — — 21 Transfers out of Level 3 (1) — (8) — — — — Total gains/losses for the period: Included in earnings: Mortgage banking income 37 9 — — — — Interest and fee income — — (2) — — (3) Included in OCI — — 17 — — — Purchases/originations 18 — 160 — — — Repayments — — — — — 2 Settlements (13) — (234) — — — Closing balance $ 547 $ (1) $ 3,437 $ 20 $ 75 $ 53 Change in unrealized gains or losses for the period included in earnings for assets held at end of the reporting date $ 37 $ (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 — — 12 — — — Three months ended September 30, 2022 Opening balance $ 463 $ (5) $ 3,377 $ 22 $ 44 $ 17 Transfers out of Level 3 (1) — (6) — — — — Total gains/losses for the period: Included in earnings: Mortgage banking income 17 2 — — — — Included in OCI — — (66) — — — Purchases/originations 20 — 309 — 26 — Repayments — — — — — (1) Settlements (14) — (288) (1) — — Closing balance $ 486 $ (9) $ 3,332 $ 21 $ 70 $ 16 Change in unrealized gains or losses for the period included in earnings for assets held at end of the reporting date $ 17 $ (8) $ — $ — $ — $ — Change in unrealized gains or losses for the period included in other comprehensive income for assets held at the end of the reporting period — — (69) — (1) — (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. 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 Nine months ended September 30, 2023 Opening balance $ 494 $ (2) $ 3,248 $ 20 $ 74 $ 16 Transfers into Level 3 — — — — — 40 Transfers out of Level 3 (1) — (18) — — — — Total gains/losses for the period: Included in earnings: Mortgage banking income 40 19 — — — — Interest and fee income — — (2) (1) — (3) Included in OCI — — 13 — 1 — Purchases/originations 49 — 715 1 — — Settlements (36) — (537) — — — Closing balance $ 547 $ (1) $ 3,437 $ 20 $ 75 $ 53 Change in unrealized gains or losses for the period included in earnings for assets held at end of the reporting date $ 40 $ 1 $ — $ — $ — $ — Change in unrealized gains or losses for the period included in other comprehensive income for assets held at the end of the reporting period — — 2 — — — Nine months ended September 30, 2022 Opening balance $ 351 $ 4 $ 3,477 $ 20 $ 71 $ 19 Transfers out of Level 3 (1) — (6) — — — — Total gains/losses for the period: Included in earnings Mortgage banking income 112 (7) — — — — Interest and fee income — — (2) (2) — — Provision for credit losses — — (4) — — — Included in OCI — — (274) — (1) — Purchases/originations 68 — 867 4 26 — Repayments — — — — — (3) Settlements (45) — (732) (1) (26) — Closing balance $ 486 $ (9) $ 3,332 $ 21 $ 70 $ 16 Change in unrealized gains or losses for the period included in earnings for assets held at end of the reporting date $ 112 $ (17) $ — $ — $ — $ — Change in unrealized gains or losses for the period included in other comprehensive income for assets held at the end of the reporting period — — (274) — (1) — (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 At September 30, 2023 Loans held for sale $ 601 $ 598 $ 3 $ — $ — $ — Loans held for investment 175 185 (10) 3 3 — At December 31, 2022 Loans held for sale $ 520 $ 513 $ 7 $ — $ — $ — Loans held for investment 185 190 (5) 11 11 — The following table presents the net gains (losses) from fair value changes. Three months ended September 30, Nine months ended September 30, (dollar amounts in millions) 2023 2022 2023 2022 Loans held for sale (1) $ (4) $ (22) $ (4) $ (56) Loans held for investment (2) — (5) 1 (1) The net gains (losses) from fair value changes are included in Mortgage banking income on the Unaudited 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 Significant Other Unobservable Inputs (Level 3) Total Losses Three months ended September 30, Nine months ended September 30, (dollar amounts in millions) At September 30, 2023 At December 31, 2022 2023 2022 2023 2022 Collateral-dependent loans $ 24 $ 16 $ 6 $ — $ 13 $ (1) Loans held for sale — — — 1 — 1
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 September 30, 2023 (1) At December 31, 2022 (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 4 % - 33 % 7 % 5 % - 40 % 7 % Spread over forward interest rate swap rates 5 % - 13 % 6 % 5 % - 13 % 6 % Municipal securities and asset-backed securities Discounted cash flow Discount rate 5 % - 6 % 6 % 5 % - 5 % 5 % Cumulative default — % - 64 % 7 % — % - 64 % 7 % Loss given default 20 % - 20 % 20 % 20 % - 20 % 20 % (1) Certain disclosures related to quantitative level 3 fair value measurements do not include those deemed to be immaterial.
Carrying amounts and estimated 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 At September 30, 2023 Financial Assets Cash and short-term assets $ 11,693 $ — $ — $ 11,693 $ 11,693 Trading account securities — — 121 121 121 Available-for-sale securities — — 21,863 21,863 21,863 Held-to-maturity securities 16,148 — — 16,148 13,309 Other securities 688 — 30 718 718 Loans held for sale — 2 601 603 603 Net loans and leases (1) 118,470 — 175 118,645 114,540 Derivative assets — — 464 464 464 Assets held in trust for deferred compensation plans — — 161 161 161 Financial Liabilities Deposits 148,867 — — 148,867 148,771 Short-term borrowings 681 — — 681 681 Long-term debt 12,822 — — 12,822 12,584 Derivative liabilities — — 1,077 1,077 1,077 At December 31, 2022 Financial Assets Cash and short-term assets $ 6,918 $ — $ — $ 6,918 $ 6,918 Trading account securities — — 19 19 19 Available-for-sale securities — — 23,423 23,423 23,423 Held-to-maturity securities 17,052 — — 17,052 14,754 Other securities 822 — 32 854 854 Loans held for sale — 9 520 529 529 Net loans and leases (1) 117,217 — 185 117,402 112,591 Derivative assets — — 356 356 356 Assets held in trust for deferred compensation plans — — 155 155 155 Financial Liabilities Deposits 147,914 — — 147,914 147,796 Short-term borrowings 2,027 — — 2,027 2,027 Long-term debt 9,686 — — 9,686 9,564 Derivative liabilities — — 992 992 992 (1) Includes collateral-dependent loans. The following table presents the level in the fair value hierarchy for the estimated fair values at September 30, 2023 and December 31, 2022: Estimated Fair Value Measurements at Reporting Date Using Netting Adjustments (1) Presented Balance (dollar amounts in millions) Level 1 Level 2 Level 3 At September 30, 2023 Financial Assets Trading account securities $ 90 $ 31 $ — $ 121 Available-for-sale securities 5 18,326 3,532 21,863 Held-to-maturity securities — 13,309 — 13,309 Other securities (2) 29 1 — 30 Loans held for sale — 603 — 603 Net loans and leases — 122 114,418 114,540 Derivative assets — 2,383 4 $ (1,923) 464 Financial Liabilities Deposits — 134,529 14,242 148,771 Short-term borrowings — 681 — 681 Long-term debt — 9,275 3,309 12,584 Derivative liabilities — 2,232 5 (1,160) 1,077 At December 31, 2022 Financial Assets Trading account securities $ — $ 19 $ — $ 19 Available-for-sale securities 103 19,978 3,342 23,423 Held-to-maturity securities — 14,754 — 14,754 Other securities (2) 31 1 — 32 Loans held for sale — 520 9 529 Net loans and leases — 169 112,422 112,591 Derivative assets — 2,161 3 $ (1,808) 356 Financial Liabilities Deposits — 142,081 5,715 147,796 Short-term borrowings — 2,027 — 2,027 Long-term debt — 8,680 884 9,564 Derivative liabilities — 2,332 5 (1,345) 992 (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)	9 Months Ended
DERIVATIVE FINANCIAL INSTRUMENTS (Tables)	Sep. 30, 2023
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 Unaudited Consolidated Balance Sheets at September 30, 2023 and December 31, 2022. Amounts in the table below are presented gross without the impact of any net collateral arrangements. At September 30, 2023 At December 31, 2022 (dollar amounts in millions) Notional Value Asset Liability Notional Value Asset Liability Derivatives designated as Hedging Instruments Interest rate contracts $ 36,962 $ 1,089 $ 981 $ 42,461 $ 1,008 $ 1,145 Foreign exchange contracts 216 — — 202 2 — Derivatives not designated as Hedging Instruments Interest rate contracts 57,539 1,182 1,135 37,562 968 1,008 Foreign exchange contracts 4,654 65 50 4,889 68 68 Commodities contracts 688 51 49 762 114 113 Equity contracts 682 — 22 636 4 3 Total contracts $ 100,741 $ 2,387 $ 2,237 $ 86,512 $ 2,164 $ 2,337
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 Unaudited Consolidated Income Statement for the three-month and nine-month periods ended September 30, 2023 and 2022, respectively. Location of Gain or (Loss) Recognized in Income on Derivative Amount of Gain or (Loss) Recognized in Income on Derivative Three months ended September 30, Nine months ended September 30, (dollar amounts in millions) 2023 2022 2023 2022 Interest rate contracts: Customer Capital markets fees $ 6 $ 12 $ 23 $ 37 Mortgage banking Mortgage banking income (37) — (28) (80) Interest rate swaptions Other noninterest income 33 — 50 — Foreign exchange contracts Capital markets fees 9 12 34 32 Commodities contracts Capital markets fees 1 1 4 4 Equity contracts Other noninterest expense (2) (1) (7) (4) Total $ 10 $ 24 $ 76 $ (11)
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 September 30, 2023 and December 31, 2022, identified by the underlying interest rate-sensitive instruments. (dollar amounts in millions) Fair Value Hedges Cash Flow Hedges Economic Hedges Total At September 30, 2023 Instruments associated with: Investment securities $ 11,719 $ — $ 15,450 $ 27,169 Loans — 17,675 175 17,850 Long-term debt 7,568 — — 7,568 Total notional value $ 19,287 $ 17,675 $ 15,625 $ 52,587 At December 31, 2022 Instruments associated with: Investment securities $ 10,407 $ — $ — $ 10,407 Loans — 24,325 175 24,500 Long-term debt 7,729 — — 7,729 Total notional value $ 18,136 $ 24,325 $ 175 $ 42,636
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 three-month and nine-month periods ended September 30, 2023 and 2022. Three months ended September 30, Nine months ended September 30, (dollar amounts in millions) 2023 2022 2023 2022 Interest rate contracts Change in fair value of interest rate swaps hedging investment securities (1) $ 88 $ 340 $ 44 $ 926 Change in fair value of hedged investment securities (1) (87) (324) (45) (914) Change in fair value of interest rate swaps hedging long-term debt (2) (87) (178) (109) (314) Change in fair value of hedged long term debt (2) 87 178 109 315 (1) Recognized in Interest income—available-for-sale securities—taxable in the Unaudited Consolidated Statements of Income . (2) Recognized in Interest expense—long-term debt in the Unaudited Consolidated Statements of Income .
Amounts recorded on the balance sheet related to cumulative basis adjustments	As of September 30, 2023 and December 31, 2022, 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 (dollar amounts in millions) At September 30, 2023 At December 31, 2022 At September 30, 2023 At December 31, 2022 Assets Investment securities (1) $ 18,291 $ 18,029 $ (1,024) $ (979) Liabilities Long-term debt (2) 7,134 7,175 (365) (256) (1) Amounts include the amortized cost basis of closed portfolios used to designate hedging relationships under the portfolio layer method. The hedged item is a layer of the closed portfolio which is expected to be remaining at the end of the hedging relationship. As of September 30, 2023, the amortized cost basis of the closed portfolios used in these hedging relationships was $17.7 billion, the cumulative basis adjustments associated with these hedging relationships was $916 million, and the amounts of the designated hedging instruments were $11.1 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 $(71) million at September 30, 2023 and $(70) million at December 31, 2022.
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 Unaudited Consolidated Balance Sheets at September 30, 2023 and December 31, 2022. Offsetting of Financial Assets and Derivative Assets Gross amounts Net amounts of Gross amounts not offset in the (dollar amounts in millions) Gross amounts of recognized assets Financial instruments Cash collateral received Net amount At September 30, 2023 $ 2,387 $ (1,923) $ 464 $ (267) $ (12) $ 185 At December 31, 2022 2,164 (1,808) 356 (7) (56) 293
MSR Derivative Hedging	The notional value of the derivative financial instruments, the corresponding trading assets and liabilities positions, and net trading gains (losses) related to MSR hedging activity is summarized in the following tables: (dollar amounts in millions) At September 30, 2023 At December 31, 2022 Notional value $ 1,200 $ 1,120 Trading assets 1 4 Trading liabilities (102) (78) Three months ended September 30, Nine months ended September 30, (dollar amounts in millions) 2023 2022 2023 2022 Trading losses $ (37) $ (25) $ (43) $ (105)
Offsetting of financial liabilities and derivative liabilities	Offsetting of Financial Liabilities and Derivative Liabilities Gross amounts offset in the unaudited consolidated balance sheets Net amounts of liabilities presented in the unaudited consolidated balance sheets Gross amounts not offset in the (dollar amounts in millions) Gross amounts of recognized liabilities Financial instruments Cash collateral delivered Net amount At September 30, 2023 $ 2,237 $ (1,160) $ 1,077 $ — $ (114) $ 963 At December 31, 2022 2,337 (1,345) 992 (79) (118) 795

VARIABLE INTEREST ENTITIES (Tab

VARIABLE INTEREST ENTITIES (Tables)	9 Months Ended
VARIABLE INTEREST ENTITIES (Tables)	Sep. 30, 2023
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Carrying amount and classification of the trusts assets and liabilities	The following tables provide a summary of the assets and liabilities included in Huntington’s Unaudited 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 September 30, 2023, and December 31, 2022: At September 30, 2023 (dollar amounts in millions) Total Assets Total Liabilities Maximum Exposure to Loss Affordable Housing Tax Credit Partnerships $ 2,231 $ 1,309 $ 2,231 Trust Preferred Securities 14 248 — Other Investments 777 136 777 Total $ 3,022 $ 1,693 $ 3,008 At December 31, 2022 (dollar amounts in millions) Total Assets Total Liabilities Maximum Exposure to Loss Affordable Housing Tax Credit Partnerships $ 2,036 $ 1,260 $ 2,036 Trust Preferred Securities 14 248 — Other Investments 522 141 522 Total $ 2,572 $ 1,649 $ 2,558
Affordable housing tax credit investments	The following table presents the balances of Huntington’s affordable housing tax credit investments and related unfunded commitments at September 30, 2023 and December 31, 2022. (dollar amounts in millions) At September 30, 2023 At December 31, 2022 Affordable housing tax credit investments $ 3,229 $ 2,891 Less: amortization (998) (855) Net affordable housing tax credit investments $ 2,231 $ 2,036 Unfunded commitments $ 1,309 $ 1,260 The following table presents other information relating to Huntington’s affordable housing tax credit investments for the three-month and nine-month periods ended September 30, 2023 and 2022. Three months ended September 30, Nine months ended September 30, (dollar amounts in millions) 2023 2022 2023 2022 Tax credits and other tax benefits recognized $ 66 $ 52 $ 197 $ 159 Proportional amortization expense included in provision for income taxes 55 45 164 131

COMMITMENTS AND CONTINGENT LI_2

COMMITMENTS AND CONTINGENT LIABILITIES (Tables)	9 Months Ended
COMMITMENTS AND CONTINGENT LIABILITIES (Tables)	Sep. 30, 2023
Commitments and Contingencies Disclosure [Abstract]
Contract amounts of various commitments to extend credit	In the ordinary course of business, Huntington makes various commitments to extend credit that are not reflected in the Unaudited Consolidated Financial Statements. The contract amounts of these financial agreements at September 30, 2023 and December 31, 2022, were as follows: (dollar amounts in millions) At September 30, 2023 At December 31, 2022 Contract amount representing credit risk Commitments to extend credit: Commercial $ 32,426 $ 32,500 Consumer 19,598 19,064 Commercial real estate 2,816 3,393 Standby letters of credit and guarantees on industrial revenue bonds 761 714 Commercial letters of credit 10 15

SEGMENT REPORTING (Tables)

SEGMENT REPORTING (Tables)	9 Months Ended
SEGMENT REPORTING (Tables)	Sep. 30, 2023
Segment Reporting [Abstract]
Schedule of Segment Reporting Information, by Segment	Listed in the following tables is certain operating basis financial information reconciled to Huntington’s September 30, 2023, December 31, 2022, and September 30, 2022, reported results by business segment. Income Statements Consumer & Regional Banking Commercial Banking Treasury / Other Huntington Consolidated (dollar amounts in millions) Three months ended September 30, 2023 Net interest income (loss) $ 1,211 $ 582 $ (425) $ 1,368 Provision for credit losses 82 17 — 99 Noninterest income 307 156 46 509 Noninterest expense 764 278 48 1,090 Provision (benefit) for income taxes 141 93 (98) 136 Income attributable to non-controlling interest — 5 — 5 Net income (loss) attributable to Huntington $ 531 $ 345 $ (329) $ 547 Three months ended September 30, 2022 Net interest income $ 896 $ 490 $ 18 $ 1,404 Provision for credit losses 22 84 — 106 Noninterest income 305 180 13 498 Noninterest expense 726 270 57 1,053 Provision (benefit) for income taxes 94 67 (15) 146 Income attributable to non-controlling interest — 3 — 3 Net income (loss) attributable to Huntington $ 359 $ 246 $ (11) $ 594 Nine months ended September 30, 2023 Net interest income (loss) $ 3,569 $ 1,722 $ (1,168) $ 4,123 Provision for credit losses 192 84 — 276 Noninterest income 953 479 84 1,516 Noninterest expense 2,283 830 113 3,226 Provision (benefit) for income taxes 430 270 (286) 414 Income attributable to non-controlling interest — 15 — 15 Net income (loss) attributable to Huntington $ 1,617 $ 1,002 $ (911) $ 1,708 Nine months ended September 30, 2022 Net interest income $ 2,237 $ 1,327 $ 247 $ 3,811 Provision for credit losses 189 9 — 198 Noninterest income 979 470 33 1,482 Noninterest expense 2,179 763 182 3,124 Provision (benefit) for income taxes 178 215 (22) 371 Income attributable to non-controlling interest — 7 — 7 Net income attributable to Huntington $ 670 $ 803 $ 120 $ 1,593
Segment Disclosure of Assets and Deposits	Assets at Deposits at (dollar amounts in millions) September 30, December 31, September 30, December 31, Consumer & Regional Banking $ 72,192 $ 70,268 $ 108,182 $ 105,064 Commercial Banking 63,473 63,611 36,023 36,807 Treasury / Other 50,985 49,027 4,662 6,043 Total $ 186,650 $ 182,906 $ 148,867 $ 147,914

BASIS OF PRESENTATION (Details)

BASIS OF PRESENTATION (Details)	9 Months Ended
BASIS OF PRESENTATION (Details)	Sep. 30, 2023 segment
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Number of reporting segments	2

INVESTMENT SECURITIES AND OTH_3

INVESTMENT SECURITIES AND OTHER SECURITIES - Schedule of Amortized Cost, Fair Value, and Gross Unrealized Gains and Losses (Details) - USD ($) $ in Millions	Sep. 30, 2023	Dec. 31, 2022
Available-for-sale securities:
Total available-for-sale securities	$ 26,262	$ 27,103
Available-for-sale securities, Gross Gains	111	138
Available-for-sale securities, Gross Losses	(4,510)	(3,818)
Available-for-sale securities	21,863	23,423
Held-to-maturity securities:
Held-to-maturity securities	16,148	17,052
Held-to-maturity securities, Gross Gains	0	4
Held-to-maturity securities, Gross Losses	(2,839)	(2,302)
Held-to-maturity securities, Fair Value	13,309	14,754
Other securities, at cost:
Other securities, Amortized Cost	718	854
Other securities, Gross Gains	0	0
Other securities, Gross Losses	0	0
Other securities, Fair Value	718	854
Cumulative basis adjustments associated with hedging relationships	916	849
U.S. Treasury
Available-for-sale securities:
Total available-for-sale securities	5	103
Available-for-sale securities, Gross Gains	0	0
Available-for-sale securities, Gross Losses	0	0
Available-for-sale securities	5	103
Residential CMO
Available-for-sale securities:
Total available-for-sale securities	3,661	3,336
Available-for-sale securities, Gross Gains	1	0
Available-for-sale securities, Gross Losses	(531)	(422)
Available-for-sale securities	3,131	2,914
Held-to-maturity securities:
Held-to-maturity securities	4,881	4,970
Held-to-maturity securities, Gross Gains	0	4
Held-to-maturity securities, Gross Losses	(839)	(714)
Held-to-maturity securities, Fair Value	4,042	4,260
Residential MBS
Available-for-sale securities:
Total available-for-sale securities	13,445	14,349
Available-for-sale securities, Gross Gains	0	4
Available-for-sale securities, Gross Losses	(2,529)	(2,090)
Available-for-sale securities	10,916	12,263
Held-to-maturity securities:
Held-to-maturity securities	9,578	10,295
Held-to-maturity securities, Gross Gains	0	0
Held-to-maturity securities, Gross Losses	(1,691)	(1,375)
Held-to-maturity securities, Fair Value	7,887	8,920
Commercial MBS
Available-for-sale securities:
Total available-for-sale securities	2,544	2,565
Available-for-sale securities, Gross Gains	0	0
Available-for-sale securities, Gross Losses	(815)	(612)
Available-for-sale securities	1,729	1,953
Held-to-maturity securities:
Held-to-maturity securities	1,580	1,652
Held-to-maturity securities, Gross Gains	0	0
Held-to-maturity securities, Gross Losses	(300)	(204)
Held-to-maturity securities, Fair Value	1,280	1,448
Other agencies
Available-for-sale securities:
Total available-for-sale securities	168	190
Available-for-sale securities, Gross Gains	0	1
Available-for-sale securities, Gross Losses	(9)	(9)
Available-for-sale securities	159	182
Held-to-maturity securities:
Held-to-maturity securities	107	133
Held-to-maturity securities, Gross Gains	0	0
Held-to-maturity securities, Gross Losses	(9)	(9)
Held-to-maturity securities, Fair Value	98	124
Total U.S. Treasury, federal agency, and other agency securities
Available-for-sale securities:
Total available-for-sale securities	19,823	20,543
Available-for-sale securities, Gross Gains	1	5
Available-for-sale securities, Gross Losses	(3,884)	(3,133)
Available-for-sale securities	15,940	17,415
Held-to-maturity securities:
Held-to-maturity securities	16,146	17,050
Held-to-maturity securities, Gross Gains	0	4
Held-to-maturity securities, Gross Losses	(2,839)	(2,302)
Held-to-maturity securities, Fair Value	13,307	14,752
Municipal securities
Available-for-sale securities:
Total available-for-sale securities	3,702	3,527
Available-for-sale securities, Gross Gains	1	1
Available-for-sale securities, Gross Losses	(226)	(238)
Available-for-sale securities	3,477	3,290
Held-to-maturity securities:
Held-to-maturity securities	2	2
Held-to-maturity securities, Gross Gains	0	0
Held-to-maturity securities, Gross Losses	0	0
Held-to-maturity securities, Fair Value	2	2
Private-label CMO
Available-for-sale securities:
Total available-for-sale securities	133	146
Available-for-sale securities, Gross Gains	0	0
Available-for-sale securities, Gross Losses	(15)	(18)
Available-for-sale securities	118	128
Asset-backed securities
Available-for-sale securities:
Total available-for-sale securities	391	416
Available-for-sale securities, Gross Gains	0	0
Available-for-sale securities, Gross Losses	(40)	(44)
Available-for-sale securities	351	372
Corporate debt
Available-for-sale securities:
Total available-for-sale securities	2,209	2,467
Available-for-sale securities, Gross Gains	109	132
Available-for-sale securities, Gross Losses	(345)	(385)
Available-for-sale securities	1,973	2,214
Other securities/Sovereign debt
Available-for-sale securities:
Total available-for-sale securities	4	4
Available-for-sale securities, Gross Gains	0	0
Available-for-sale securities, Gross Losses	0	0
Available-for-sale securities	4	4
Equity securities
Other securities, at cost:
Other securities, Amortized Cost	15	10
Other securities, Gross Gains	0	0
Other securities, Gross Losses	0	0
Other securities, Fair Value	15	10
Mutual funds
Other securities, at cost:
Other securities, Amortized Cost	29	31
Other securities, Gross Gains	0	0
Other securities, Gross Losses	0	0
Other securities, Fair Value	29	31
Equity securities
Other securities, at cost:
Other securities, Amortized Cost	1	1
Other securities, Gross Gains	0	0
Other securities, Gross Losses	0	0
Other securities, Fair Value	1	1
Debt Securities, Available-For-Sale Securities
Other securities, at cost:
Accrued interest receivable	70	64
Debt Securities, Held-To-Maturity Securities
Other securities, at cost:
Accrued interest receivable	37	39
Federal Home Loan Bank stock \| Non-marketable equity securities:
Other securities, at cost:
Other securities, Amortized Cost	156	312
Other securities, Gross Gains	0	0
Other securities, Gross Losses	0	0
Other securities, Fair Value	156	312
Federal Reserve Bank stock \| Non-marketable equity securities:
Other securities, at cost:
Other securities, Amortized Cost	517	500
Other securities, Gross Gains	0	0
Other securities, Gross Losses	0	0
Other securities, Fair Value	$ 517	$ 500

INVESTMENT SECURITIES AND OTH_4

INVESTMENT SECURITIES AND OTHER SECURITIES - Contractual Maturities (Details) - USD ($) $ in Millions	Sep. 30, 2023	Dec. 31, 2022
Available-for-sale securities, amortized cost:
Under 1 year	$ 434	$ 518
After 1 year through 5 years	2,636	2,182
After 5 years through 10 years	2,537	3,106
After 10 years	20,655	21,297
Total available-for-sale securities	26,262	27,103
Available-for-sale securities, fair value:
Under 1 year	425	511
After 1 year through 5 years	2,437	2,033
After 5 years through 10 years	2,321	2,814
After 10 years	16,680	18,065
Total available-for-sale securities	21,863	23,423
Held-to-maturity securities, amortized cost:
Under 1 year	1	0
After 1 year through 5 years	52	72
After 5 years through 10 years	72	71
After 10 years	16,023	16,909
Total held-to-maturity securities	16,148	17,052
Held-to-maturity securities, fair value:
Under 1 year	1	0
After 1 year through 5 years	49	68
After 5 years through 10 years	66	66
After 10 years	13,193	14,620
Total held-to-maturity securities	$ 13,309	$ 14,754

INVESTMENT SECURITIES AND OTH_5

INVESTMENT SECURITIES AND OTHER SECURITIES - Continuous Unrealized Loss Position (Details) - USD ($) $ in Millions	Sep. 30, 2023	Dec. 31, 2022
Available-for-sale securities:
Less than 12 months, fair value	$ 1,729	$ 8,944
Less than 12 months, gross unrealized losses	(66)	(1,062)
12 months or longer, fair value	19,934	13,763
12 months or longer, gross unrealized losses	(4,444)	(2,756)
Total, fair value	21,663	22,707
Total, gross unrealized losses	(4,510)	(3,818)
Held-to-maturity securities:
Less than 12 months, fair value	711	7,178
Less than 12 months, gross unrealized losses	(23)	(863)
12 months or longer, fair value	12,596	7,241
12 months or longer, gross unrealized losses	(2,816)	(1,439)
Total held-to-maturity securities	13,307	14,419
Total, gross unrealized losses	(2,839)	(2,302)
Residential CMO
Available-for-sale securities:
Less than 12 months, fair value	544	2,096
Less than 12 months, gross unrealized losses	(16)	(224)
12 months or longer, fair value	2,587	818
12 months or longer, gross unrealized losses	(515)	(198)
Total, fair value	3,131	2,914
Total, gross unrealized losses	(531)	(422)
Held-to-maturity securities:
Less than 12 months, fair value	561	1,702
Less than 12 months, gross unrealized losses	(16)	(238)
12 months or longer, fair value	3,481	2,283
12 months or longer, gross unrealized losses	(823)	(476)
Total held-to-maturity securities	4,042	3,985
Total, gross unrealized losses	(839)	(714)
Residential MBS
Available-for-sale securities:
Less than 12 months, fair value	456	2,455
Less than 12 months, gross unrealized losses	(21)	(286)
12 months or longer, fair value	10,461	9,490
12 months or longer, gross unrealized losses	(2,508)	(1,804)
Total, fair value	10,917	11,945
Total, gross unrealized losses	(2,529)	(2,090)
Held-to-maturity securities:
Less than 12 months, fair value	150	4,151
Less than 12 months, gross unrealized losses	(7)	(462)
12 months or longer, fair value	7,737	4,711
12 months or longer, gross unrealized losses	(1,684)	(913)
Total held-to-maturity securities	7,887	8,862
Total, gross unrealized losses	(1,691)	(1,375)
Commercial MBS
Available-for-sale securities:
Less than 12 months, fair value	0	1,090
Less than 12 months, gross unrealized losses	0	(249)
12 months or longer, fair value	1,729	863
12 months or longer, gross unrealized losses	(815)	(363)
Total, fair value	1,729	1,953
Total, gross unrealized losses	(815)	(612)
Held-to-maturity securities:
Less than 12 months, fair value	0	1,201
Less than 12 months, gross unrealized losses	0	(154)
12 months or longer, fair value	1,280	247
12 months or longer, gross unrealized losses	(300)	(50)
Total held-to-maturity securities	1,280	1,448
Total, gross unrealized losses	(300)	(204)
Other agencies
Available-for-sale securities:
Less than 12 months, fair value	16	40
Less than 12 months, gross unrealized losses	0	(1)
12 months or longer, fair value	73	56
12 months or longer, gross unrealized losses	(9)	(8)
Total, fair value	89	96
Total, gross unrealized losses	(9)	(9)
Held-to-maturity securities:
Less than 12 months, fair value	0	124
Less than 12 months, gross unrealized losses	0	(9)
12 months or longer, fair value	98	0
12 months or longer, gross unrealized losses	(9)	0
Total held-to-maturity securities	98	124
Total, gross unrealized losses	(9)	(9)
Total U.S. Treasury, federal agency, and other agency securities
Available-for-sale securities:
Less than 12 months, fair value	1,016	5,681
Less than 12 months, gross unrealized losses	(37)	(760)
12 months or longer, fair value	14,850	11,227
12 months or longer, gross unrealized losses	(3,847)	(2,373)
Total, fair value	15,866	16,908
Total, gross unrealized losses	(3,884)	(3,133)
Held-to-maturity securities:
Less than 12 months, fair value	711	7,178
Less than 12 months, gross unrealized losses	(23)	(863)
12 months or longer, fair value	12,596	7,241
12 months or longer, gross unrealized losses	(2,816)	(1,439)
Total held-to-maturity securities	13,307	14,419
Total, gross unrealized losses	(2,839)	(2,302)
Municipal securities
Available-for-sale securities:
Less than 12 months, fair value	713	2,298
Less than 12 months, gross unrealized losses	(29)	(174)
12 months or longer, fair value	2,665	807
12 months or longer, gross unrealized losses	(197)	(64)
Total, fair value	3,378	3,105
Total, gross unrealized losses	(226)	(238)
Private-label CMO
Available-for-sale securities:
Less than 12 months, fair value	0	64
Less than 12 months, gross unrealized losses	0	(13)
12 months or longer, fair value	95	43
12 months or longer, gross unrealized losses	(15)	(5)
Total, fair value	95	107
Total, gross unrealized losses	(15)	(18)
Asset-backed securities
Available-for-sale securities:
Less than 12 months, fair value	0	174
Less than 12 months, gross unrealized losses	0	(10)
12 months or longer, fair value	351	199
12 months or longer, gross unrealized losses	(40)	(34)
Total, fair value	351	373
Total, gross unrealized losses	(40)	(44)
Corporate debt
Available-for-sale securities:
Less than 12 months, fair value	0	727
Less than 12 months, gross unrealized losses	0	(105)
12 months or longer, fair value	1,973	1,487
12 months or longer, gross unrealized losses	(345)	(280)
Total, fair value	1,973	2,214
Total, gross unrealized losses	$ (345)	$ (385)

INVESTMENT SECURITIES AND OTH_6

INVESTMENT SECURITIES AND OTHER SECURITIES - Narrative (Details) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2022	Sep. 30, 2023	Dec. 31, 2022
Investment Securities [Line Items]
AFS debt security charge-off	$ 4
Asset Pledged as Collateral
Investment Securities [Line Items]
Investment securities pledged		$ 32,600	$ 26,900

LOANS AND LEASES - Narrative (D

LOANS AND LEASES - Narrative (Details) - USD ($) $ in Billions	Sep. 30, 2023	Dec. 31, 2022
Receivables [Abstract]
FHLB borrowings and advances, collateral	$ 101.5	$ 70.9

LOANS AND LEASES - Loan and Lea

LOANS AND LEASES - Loan and Lease Portfolio Composition (Details) - USD ($) $ in Millions		Sep. 30, 2023	Jun. 30, 2023	Dec. 31, 2022	Sep. 30, 2022	Jun. 30, 2022	Dec. 31, 2021
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases	[1]	$ 120,853		$ 119,523
Allowance for loan and lease losses		(2,208)	$ (2,177)	(2,121)	$ (2,110)	$ (2,074)	$ (2,030)
Net loans and leases		118,645		117,402
Loans and leases net premium (discount)		(150)		3
Commercial and industrial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		49,422		48,121
Commercial real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		12,668		13,640
Lease financing
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		5,161		5,252
Residential mortgage
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		23,427		22,226
Automobile
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		12,724		13,154
RV and marine
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		5,937		5,376
Other consumer
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		1,396		1,379
Commercial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		67,251		67,013
Allowance for loan and lease losses		(1,504)	(1,483)	(1,424)	(1,414)	(1,342)	(1,462)
Accrued interest receivable		323		274
Commercial \| Commercial and industrial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		49,422		48,121
Commercial \| Commercial real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		12,668		13,640
Commercial \| Lease financing
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		5,161		5,252
Consumer
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		53,602		52,510
Allowance for loan and lease losses		(704)	$ (694)	(697)	$ (696)	$ (732)	$ (568)
Accrued interest receivable		209		186
Consumer \| Residential mortgage
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		23,427		22,226
Consumer \| Automobile
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		12,724		13,154
Consumer \| Home equity
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		10,118		10,375
Consumer \| RV and marine
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		5,937		5,376
Consumer \| Other consumer
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		$ 1,396		$ 1,379

[1] Amounts represent loans for which Huntington has elected the fair value option. See Note 12 “ Fair Values of Assets and Liabilities ”.

LOANS AND LEASES - Direct Finan

LOANS AND LEASES - Direct Financing Leases (Details) - USD ($) $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022	Dec. 31, 2022
Accounts, Notes, Loans and Financing Receivable [Line Items]
Carrying value of residual values guaranteed	$ 481		$ 481		$ 466
Future lease rental payments due on sales-type and direct financing leases	4,900		4,900
Future lease rental payments due on sales-type and direct financing leases, year one	813		813
Future lease rental payments due on sales-type and direct financing leases, year two	792		792
Future lease rental payments due on sales-type and direct financing leases, year three	722		722
Future lease rental payments due on sales-type and direct financing leases, year four	778		778
Future lease rental payments due on sales-type and direct financing leases, year five	764		764
Future lease rental payments due on sales-type and direct financing leases, after year five	998		998
Direct financing leases, interest income	73	$ 41	211	$ 117
Commercial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Lease payments receivable	4,867		4,867		4,916
Estimated residual value of leased assets	805		805		788
Gross investment in lease financing receivables	5,672		5,672		5,704
Deferred origination costs	53		53		46
Deferred fees, unearned income and other	(564)		(564)		(498)
Total lease financing receivables	$ 5,161		$ 5,161		$ 5,252

LOANS AND LEASES - Nonaccrual L

LOANS AND LEASES - Nonaccrual Loans by Loan Class (Details) - USD ($) $ in Millions	Sep. 30, 2023	Dec. 31, 2022
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonaccrual loans and leases with no ACL	$ 120	$ 112
Total nonaccrual loans and leases	592	569
Commercial \| Commercial and industrial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonaccrual loans and leases with no ACL	48	49
Total nonaccrual loans and leases	314	288
Commercial \| Commercial real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonaccrual loans and leases with no ACL	69	63
Total nonaccrual loans and leases	102	92
Commercial \| Lease financing
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonaccrual loans and leases with no ACL	3	0
Total nonaccrual loans and leases	14	18
Consumer \| Residential mortgage
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonaccrual loans and leases with no ACL	0	0
Total nonaccrual loans and leases	75	90
Consumer \| Automobile
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonaccrual loans and leases with no ACL	0	0
Total nonaccrual loans and leases	4	4
Consumer \| Home equity
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonaccrual loans and leases with no ACL	0	0
Total nonaccrual loans and leases	82	76
Consumer \| RV and marine
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonaccrual loans and leases with no ACL	0	0
Total nonaccrual loans and leases	$ 1	$ 1

LOANS AND LEASES - NALs Past Du

LOANS AND LEASES - NALs Past Due (Details) - USD ($) $ in Millions		Sep. 30, 2023	Dec. 31, 2022
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases	[1]	$ 120,853	$ 119,523
Loans Accounted for Under FVO		175	185
90 or more days past due and accruing		163	207
Total
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		1,060	1,083
30-59 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		500	509
60-89 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		180	165
90 or more days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		380	409
Current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		119,618	118,255
Commercial and industrial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		49,422	48,121
Loans Accounted for Under FVO		0	0
90 or more days past due and accruing		0	23
Commercial and industrial \| Total
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		157	180
Commercial and industrial \| 30-59 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		45	53
Commercial and industrial \| 60-89 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		31	19
Commercial and industrial \| 90 or more days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		81	108
Commercial and industrial \| Current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		49,265	47,941
Commercial real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		12,668	13,640
Loans Accounted for Under FVO		0	0
90 or more days past due and accruing		0	0
Commercial real estate \| Total
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		53	12
Commercial real estate \| 30-59 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		21	2
Commercial real estate \| 60-89 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		5	1
Commercial real estate \| 90 or more days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		27	9
Commercial real estate \| Current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		12,615	13,628
Lease financing
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		5,161	5,252
Loans Accounted for Under FVO		0	0
90 or more days past due and accruing		7	9
Lease financing \| Total
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		66	64
Lease financing \| 30-59 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		39	36
Lease financing \| 60-89 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		18	18
Lease financing \| 90 or more days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		9	10
Lease financing \| Current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		5,095	5,188
Residential mortgage
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		23,427	22,226
Loans Accounted for Under FVO		174	184
90 or more days past due and accruing		124	146
Residential mortgage \| Total
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		468	514
Residential mortgage \| 30-59 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		230	246
Residential mortgage \| 60-89 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		68	69
Residential mortgage \| 90 or more days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		170	199
Residential mortgage \| Current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		22,785	21,528
Automobile
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		12,724	13,154
Loans Accounted for Under FVO		0	0
90 or more days past due and accruing		8	9
Automobile \| Total
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		112	119
Automobile \| 30-59 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		81	88
Automobile \| 60-89 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		20	20
Automobile \| 90 or more days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		11	11
Automobile \| Current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		12,612	13,035
Home equity
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		10,118	10,375
Loans Accounted for Under FVO		1	1
90 or more days past due and accruing		19	15
Home equity \| Total
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		160	152
Home equity \| 30-59 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		56	56
Home equity \| 60-89 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		28	30
Home equity \| 90 or more days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		76	66
Home equity \| Current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		9,957	10,222
RV and marine
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		5,937	5,376
Loans Accounted for Under FVO		0	0
90 or more days past due and accruing		2	3
RV and marine \| Total
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		25	23
RV and marine \| 30-59 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		17	15
RV and marine \| 60-89 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		5	5
RV and marine \| 90 or more days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		3	3
RV and marine \| Current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		5,912	5,353
Other consumer
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		1,396	1,379
Loans Accounted for Under FVO		0	0
90 or more days past due and accruing		3	2
Other consumer \| Total
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		19	19
Other consumer \| 30-59 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		11	13
Other consumer \| 60-89 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		5	3
Other consumer \| 90 or more days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		3	3
Other consumer \| Current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		$ 1,377	$ 1,360

[1] Amounts represent loans for which Huntington has elected the fair value option. See Note 12 “ Fair Values of Assets and Liabilities ”.

LOANS AND LEASES - Vintage and

LOANS AND LEASES - Vintage and Credit Quality (Details) - USD ($) $ in Millions		Sep. 30, 2023	Dec. 31, 2022
Financing Receivable, Credit Quality Indicator [Line Items]
Loans and leases	[1]	$ 120,853	$ 119,523
Commercial and industrial
Financing Receivable, Credit Quality Indicator [Line Items]
Loans and leases		49,422	48,121
Automobile
Financing Receivable, Credit Quality Indicator [Line Items]
Loans and leases		12,724	13,154
Home equity
Financing Receivable, Credit Quality Indicator [Line Items]
Loans and leases		10,118	10,375
RV and marine
Financing Receivable, Credit Quality Indicator [Line Items]
Loans and leases		5,937	5,376
Other consumer
Financing Receivable, Credit Quality Indicator [Line Items]
Loans and leases		1,396	1,379
Commercial
Financing Receivable, Credit Quality Indicator [Line Items]
Loans and leases		67,251	67,013
Commercial \| Commercial and industrial
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		12,551	18,568
Financing receivable, year before current fiscal year		11,564	7,064
Financing receivable, two years before current fiscal year		4,370	3,607
Financing receivable, three years before current fiscal year		2,544	2,340
Financing receivable, four years before current fiscal year		1,547	1,347
Financing receivable, more than five years before current fiscal year		1,836	1,469
Revolver Total at Amortized Cost Basis		15,005	13,723
Revolver Total Converted to Term Loans		5	3
Loans and leases		49,422	48,121
Commercial \| Commercial and industrial \| Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		12,138	18,092
Financing receivable, year before current fiscal year		11,025	6,742
Financing receivable, two years before current fiscal year		4,096	3,332
Financing receivable, three years before current fiscal year		2,354	2,107
Financing receivable, four years before current fiscal year		1,381	1,156
Financing receivable, more than five years before current fiscal year		1,593	1,186
Revolver Total at Amortized Cost Basis		13,929	13,060
Revolver Total Converted to Term Loans		5	3
Loans and leases		46,521	45,678
Commercial \| Commercial and industrial \| OLEM
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		98	108
Financing receivable, year before current fiscal year		214	139
Financing receivable, two years before current fiscal year		81	72
Financing receivable, three years before current fiscal year		31	21
Financing receivable, four years before current fiscal year		15	49
Financing receivable, more than five years before current fiscal year		13	26
Revolver Total at Amortized Cost Basis		344	113
Revolver Total Converted to Term Loans		0	0
Loans and leases		796	528
Commercial \| Commercial and industrial \| Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		306	368
Financing receivable, year before current fiscal year		324	183
Financing receivable, two years before current fiscal year		193	203
Financing receivable, three years before current fiscal year		159	212
Financing receivable, four years before current fiscal year		151	142
Financing receivable, more than five years before current fiscal year		230	256
Revolver Total at Amortized Cost Basis		732	550
Revolver Total Converted to Term Loans		0	0
Loans and leases		2,095	1,914
Commercial \| Commercial and industrial \| Doubtful
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		9	0
Financing receivable, year before current fiscal year		1	0
Financing receivable, two years before current fiscal year		0	0
Financing receivable, three years before current fiscal year		0	0
Financing receivable, four years before current fiscal year		0	0
Financing receivable, more than five years before current fiscal year		0	1
Revolver Total at Amortized Cost Basis		0	0
Revolver Total Converted to Term Loans		0	0
Loans and leases		10	1
Commercial real estate
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		1,469	4,314
Financing receivable, year before current fiscal year		4,086	3,284
Financing receivable, two years before current fiscal year		2,269	1,655
Financing receivable, three years before current fiscal year		1,225	1,779
Financing receivable, four years before current fiscal year		1,460	919
Financing receivable, more than five years before current fiscal year		1,609	1,169
Revolver Total at Amortized Cost Basis		550	520
Revolver Total Converted to Term Loans		0	0
Loans and leases		12,668	13,640
Commercial real estate \| Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		1,200	4,022
Financing receivable, year before current fiscal year		3,562	3,115
Financing receivable, two years before current fiscal year		2,050	1,562
Financing receivable, three years before current fiscal year		1,154	1,662
Financing receivable, four years before current fiscal year		1,294	829
Financing receivable, more than five years before current fiscal year		1,469	1,020
Revolver Total at Amortized Cost Basis		533	519
Revolver Total Converted to Term Loans		0	0
Loans and leases		11,262	12,729
Commercial real estate \| OLEM
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		117	61
Financing receivable, year before current fiscal year		290	53
Financing receivable, two years before current fiscal year		116	1
Financing receivable, three years before current fiscal year		53	43
Financing receivable, four years before current fiscal year		33	6
Financing receivable, more than five years before current fiscal year		25	9
Revolver Total at Amortized Cost Basis		1	0
Revolver Total Converted to Term Loans		0	0
Loans and leases		635	173
Commercial real estate \| Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		152	231
Financing receivable, year before current fiscal year		234	116
Financing receivable, two years before current fiscal year		103	92
Financing receivable, three years before current fiscal year		18	74
Financing receivable, four years before current fiscal year		133	84
Financing receivable, more than five years before current fiscal year		115	140
Revolver Total at Amortized Cost Basis		16	1
Revolver Total Converted to Term Loans		0	0
Loans and leases		771	738
Lease financing
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		1,461	2,027
Financing receivable, year before current fiscal year		1,538	1,337
Financing receivable, two years before current fiscal year		981	1,041
Financing receivable, three years before current fiscal year		702	489
Financing receivable, four years before current fiscal year		315	201
Financing receivable, more than five years before current fiscal year		164	157
Revolver Total at Amortized Cost Basis		0	0
Revolver Total Converted to Term Loans		0	0
Loans and leases		5,161	5,252
Lease financing \| Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		1,449	1,930
Financing receivable, year before current fiscal year		1,479	1,291
Financing receivable, two years before current fiscal year		933	952
Financing receivable, three years before current fiscal year		680	447
Financing receivable, four years before current fiscal year		298	186
Financing receivable, more than five years before current fiscal year		155	143
Revolver Total at Amortized Cost Basis		0	0
Revolver Total Converted to Term Loans		0	0
Loans and leases		4,994	4,949
Lease financing \| OLEM
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		4	32
Financing receivable, year before current fiscal year		10	9
Financing receivable, two years before current fiscal year		9	15
Financing receivable, three years before current fiscal year		9	18
Financing receivable, four years before current fiscal year		3	6
Financing receivable, more than five years before current fiscal year		1	3
Revolver Total at Amortized Cost Basis		0	0
Revolver Total Converted to Term Loans		0	0
Loans and leases		36	83
Lease financing \| Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		8	65
Financing receivable, year before current fiscal year		49	37
Financing receivable, two years before current fiscal year		38	74
Financing receivable, three years before current fiscal year		13	24
Financing receivable, four years before current fiscal year		14	9
Financing receivable, more than five years before current fiscal year		8	11
Revolver Total at Amortized Cost Basis		0	0
Revolver Total Converted to Term Loans		0	0
Loans and leases		130	220
Lease financing \| Commercial and industrial \| Doubtful
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		0
Financing receivable, year before current fiscal year		0
Financing receivable, two years before current fiscal year		1
Financing receivable, three years before current fiscal year		0
Financing receivable, four years before current fiscal year		0
Financing receivable, more than five years before current fiscal year		0
Revolver Total at Amortized Cost Basis		0
Revolver Total Converted to Term Loans		0
Loans and leases		1
Consumer
Financing Receivable, Credit Quality Indicator [Line Items]
Loans and leases		53,602	52,510
Consumer \| Residential mortgage
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		2,545	5,109
Financing receivable, year before current fiscal year		5,067	7,514
Financing receivable, two years before current fiscal year		7,128	4,244
Financing receivable, three years before current fiscal year		3,909	1,152
Financing receivable, four years before current fiscal year		1,043	696
Financing receivable, more than five years before current fiscal year		3,561	3,327
Revolver Total at Amortized Cost Basis		0	0
Revolver Total Converted to Term Loans		0	0
Loans and leases		23,253	22,042
Consumer \| Residential mortgage \| 750+
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		1,609	3,666
Financing receivable, year before current fiscal year		3,972	6,274
Financing receivable, two years before current fiscal year		6,077	3,566
Financing receivable, three years before current fiscal year		3,330	846
Financing receivable, four years before current fiscal year		769	469
Financing receivable, more than five years before current fiscal year		2,253	2,070
Revolver Total at Amortized Cost Basis		0	0
Revolver Total Converted to Term Loans		0	0
Loans and leases		18,010	16,891
Consumer \| Residential mortgage \| 650-749
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		882	1,394
Financing receivable, year before current fiscal year		1,023	1,172
Financing receivable, two years before current fiscal year		970	617
Financing receivable, three years before current fiscal year		515	211
Financing receivable, four years before current fiscal year		188	137
Financing receivable, more than five years before current fiscal year		794	777
Revolver Total at Amortized Cost Basis		0	0
Revolver Total Converted to Term Loans		0	0
Loans and leases		4,372	4,308
Consumer \| Residential mortgage \| Less than 650
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		54	49
Financing receivable, year before current fiscal year		72	68
Financing receivable, two years before current fiscal year		81	61
Financing receivable, three years before current fiscal year		64	95
Financing receivable, four years before current fiscal year		86	90
Financing receivable, more than five years before current fiscal year		514	480
Revolver Total at Amortized Cost Basis		0	0
Revolver Total Converted to Term Loans		0	0
Loans and leases		871	843
Consumer \| Automobile
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		3,407	5,021
Financing receivable, year before current fiscal year		3,887	4,072
Financing receivable, two years before current fiscal year		3,010	2,099
Financing receivable, three years before current fiscal year		1,422	1,259
Financing receivable, four years before current fiscal year		737	518
Financing receivable, more than five years before current fiscal year		261	185
Revolver Total at Amortized Cost Basis		0	0
Revolver Total Converted to Term Loans		0	0
Loans and leases		12,724	13,154
Consumer \| Automobile \| 750+
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		1,993	2,770
Financing receivable, year before current fiscal year		2,158	2,212
Financing receivable, two years before current fiscal year		1,709	1,243
Financing receivable, three years before current fiscal year		862	777
Financing receivable, four years before current fiscal year		457	289
Financing receivable, more than five years before current fiscal year		135	98
Revolver Total at Amortized Cost Basis		0	0
Revolver Total Converted to Term Loans		0	0
Loans and leases		7,314	7,389
Consumer \| Automobile \| 650-749
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		1,250	1,944
Financing receivable, year before current fiscal year		1,423	1,508
Financing receivable, two years before current fiscal year		1,007	683
Financing receivable, three years before current fiscal year		426	367
Financing receivable, four years before current fiscal year		205	162
Financing receivable, more than five years before current fiscal year		78	52
Revolver Total at Amortized Cost Basis		0	0
Revolver Total Converted to Term Loans		0	0
Loans and leases		4,389	4,716
Consumer \| Automobile \| Less than 650
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		164	307
Financing receivable, year before current fiscal year		306	352
Financing receivable, two years before current fiscal year		294	173
Financing receivable, three years before current fiscal year		134	115
Financing receivable, four years before current fiscal year		75	67
Financing receivable, more than five years before current fiscal year		48	35
Revolver Total at Amortized Cost Basis		0	0
Revolver Total Converted to Term Loans		0	0
Loans and leases		1,021	1,049
Consumer \| Home equity
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		423	597
Financing receivable, year before current fiscal year		552	664
Financing receivable, two years before current fiscal year		602	682
Financing receivable, three years before current fiscal year		615	34
Financing receivable, four years before current fiscal year		27	30
Financing receivable, more than five years before current fiscal year		411	474
Revolver Total at Amortized Cost Basis		6,896	7,251
Revolver Total Converted to Term Loans		591	642
Loans and leases		10,117	10,374
Consumer \| Home equity \| 750+
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		322	463
Financing receivable, year before current fiscal year		443	573
Financing receivable, two years before current fiscal year		530	611
Financing receivable, three years before current fiscal year		553	23
Financing receivable, four years before current fiscal year		18	20
Financing receivable, more than five years before current fiscal year		261	301
Revolver Total at Amortized Cost Basis		4,490	4,787
Revolver Total Converted to Term Loans		231	252
Loans and leases		6,848	7,030
Consumer \| Home equity \| 650-749
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		99	131
Financing receivable, year before current fiscal year		103	88
Financing receivable, two years before current fiscal year		68	68
Financing receivable, three years before current fiscal year		59	9
Financing receivable, four years before current fiscal year		7	8
Financing receivable, more than five years before current fiscal year		105	122
Revolver Total at Amortized Cost Basis		2,046	2,129
Revolver Total Converted to Term Loans		231	261
Loans and leases		2,718	2,816
Consumer \| Home equity \| Less than 650
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		2	3
Financing receivable, year before current fiscal year		6	3
Financing receivable, two years before current fiscal year		4	3
Financing receivable, three years before current fiscal year		3	2
Financing receivable, four years before current fiscal year		2	2
Financing receivable, more than five years before current fiscal year		45	51
Revolver Total at Amortized Cost Basis		360	335
Revolver Total Converted to Term Loans		129	129
Loans and leases		551	528
Consumer \| RV and marine
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		1,347	1,443
Financing receivable, year before current fiscal year		1,276	1,364
Financing receivable, two years before current fiscal year		1,181	946
Financing receivable, three years before current fiscal year		799	496
Financing receivable, four years before current fiscal year		418	484
Financing receivable, more than five years before current fiscal year		916	643
Revolver Total at Amortized Cost Basis		0	0
Revolver Total Converted to Term Loans		0	0
Loans and leases		5,937	5,376
Consumer \| RV and marine \| 750+
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		1,070	1,148
Financing receivable, year before current fiscal year		1,007	1,031
Financing receivable, two years before current fiscal year		899	731
Financing receivable, three years before current fiscal year		616	361
Financing receivable, four years before current fiscal year		308	354
Financing receivable, more than five years before current fiscal year		647	438
Revolver Total at Amortized Cost Basis		0	0
Revolver Total Converted to Term Loans		0	0
Loans and leases		4,547	4,063
Consumer \| RV and marine \| 650-749
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		273	290
Financing receivable, year before current fiscal year		256	315
Financing receivable, two years before current fiscal year		260	200
Financing receivable, three years before current fiscal year		164	118
Financing receivable, four years before current fiscal year		95	113
Financing receivable, more than five years before current fiscal year		222	169
Revolver Total at Amortized Cost Basis		0	0
Revolver Total Converted to Term Loans		0	0
Loans and leases		1,270	1,205
Consumer \| RV and marine \| Less than 650
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		4	5
Financing receivable, year before current fiscal year		13	18
Financing receivable, two years before current fiscal year		22	15
Financing receivable, three years before current fiscal year		19	17
Financing receivable, four years before current fiscal year		15	17
Financing receivable, more than five years before current fiscal year		47	36
Revolver Total at Amortized Cost Basis		0	0
Revolver Total Converted to Term Loans		0	0
Loans and leases		120	108
Consumer \| Other consumer
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		231	281
Financing receivable, year before current fiscal year		143	97
Financing receivable, two years before current fiscal year		66	49
Financing receivable, three years before current fiscal year		30	52
Financing receivable, four years before current fiscal year		28	18
Financing receivable, more than five years before current fiscal year		67	68
Revolver Total at Amortized Cost Basis		801	781
Revolver Total Converted to Term Loans		30	33
Loans and leases		1,396	1,379
Consumer \| Other consumer \| 750+
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		152	207
Financing receivable, year before current fiscal year		89	64
Financing receivable, two years before current fiscal year		44	35
Financing receivable, three years before current fiscal year		22	34
Financing receivable, four years before current fiscal year		20	13
Financing receivable, more than five years before current fiscal year		53	52
Revolver Total at Amortized Cost Basis		398	393
Revolver Total Converted to Term Loans		3	3
Loans and leases		781	801
Consumer \| Other consumer \| 650-749
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		75	71
Financing receivable, year before current fiscal year		48	30
Financing receivable, two years before current fiscal year		19	12
Financing receivable, three years before current fiscal year		7	15
Financing receivable, four years before current fiscal year		6	4
Financing receivable, more than five years before current fiscal year		13	14
Revolver Total at Amortized Cost Basis		366	355
Revolver Total Converted to Term Loans		14	16
Loans and leases		548	517
Consumer \| Other consumer \| Less than 650
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		4	3
Financing receivable, year before current fiscal year		6	3
Financing receivable, two years before current fiscal year		3	2
Financing receivable, three years before current fiscal year		1	3
Financing receivable, four years before current fiscal year		2	1
Financing receivable, more than five years before current fiscal year		1	2
Revolver Total at Amortized Cost Basis		37	33
Revolver Total Converted to Term Loans		13	14
Loans and leases		$ 67	$ 61

[1] Amounts represent loans for which Huntington has elected the fair value option. See Note 12 “ Fair Values of Assets and Liabilities ”.

LOANS AND LEASES - Gross Charge

LOANS AND LEASES - Gross Charge-offs of Loans and Leases (Details) - USD ($) $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, term loans gross charge-offs, current fiscal year	$ 13		$ 18
Financing receivable, term loans gross charge-offs, year before current fiscal year	40		81
Financing receivable, term loans gross charge-offs, two years before current fiscal year	13		68
Financing receivable, term loans gross charge-offs, three years before current fiscal year	9		25
Financing receivable, term loans gross charge-offs, four years before current fiscal year	28		51
Financing receivable, term loans gross charge-offs, five years before current fiscal year	10		39
Financing receivable, revolver gross charge-offs	10		15
Financing receivable, revolver converted to term loans gross charge-offs	8		25
Financing receivable, term loans gross charge-offs	131	$ 83	322	$ 216
Consumer
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, term loans gross charge-offs	46	48	132	139
Commercial
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, term loans gross charge-offs	85	$ 35	190	$ 77
Commercial and industrial \| Commercial
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, term loans gross charge-offs, current fiscal year	2		4
Financing receivable, term loans gross charge-offs, year before current fiscal year	21		39
Financing receivable, term loans gross charge-offs, two years before current fiscal year	6		23
Financing receivable, term loans gross charge-offs, three years before current fiscal year	6		13
Financing receivable, term loans gross charge-offs, four years before current fiscal year	15		26
Financing receivable, term loans gross charge-offs, five years before current fiscal year	1		11
Financing receivable, revolver gross charge-offs	3		7
Financing receivable, revolver converted to term loans gross charge-offs	0		1
Financing receivable, term loans gross charge-offs	54		124
Commercial real estate \| Commercial
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, term loans gross charge-offs, current fiscal year	5		5
Financing receivable, term loans gross charge-offs, year before current fiscal year	6		9
Financing receivable, term loans gross charge-offs, two years before current fiscal year	0		19
Financing receivable, term loans gross charge-offs, three years before current fiscal year	0		0
Financing receivable, term loans gross charge-offs, four years before current fiscal year	10		15
Financing receivable, term loans gross charge-offs, five years before current fiscal year	0		5
Financing receivable, revolver gross charge-offs	7		7
Financing receivable, revolver converted to term loans gross charge-offs	0		0
Financing receivable, term loans gross charge-offs	28		60
Lease financing \| Commercial
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, term loans gross charge-offs, current fiscal year	0		0
Financing receivable, term loans gross charge-offs, year before current fiscal year	3		3
Financing receivable, term loans gross charge-offs, two years before current fiscal year	0		1
Financing receivable, term loans gross charge-offs, three years before current fiscal year	0		1
Financing receivable, term loans gross charge-offs, four years before current fiscal year	0		0
Financing receivable, term loans gross charge-offs, five years before current fiscal year	0		1
Financing receivable, revolver gross charge-offs	0		0
Financing receivable, revolver converted to term loans gross charge-offs	0		0
Financing receivable, term loans gross charge-offs	3		6
Residential mortgage \| Consumer
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, term loans gross charge-offs, current fiscal year	0		0
Financing receivable, term loans gross charge-offs, year before current fiscal year	0		0
Financing receivable, term loans gross charge-offs, two years before current fiscal year	0		1
Financing receivable, term loans gross charge-offs, three years before current fiscal year	0		0
Financing receivable, term loans gross charge-offs, four years before current fiscal year	0		0
Financing receivable, term loans gross charge-offs, five years before current fiscal year	1		3
Financing receivable, revolver gross charge-offs	0		0
Financing receivable, revolver converted to term loans gross charge-offs	0		0
Financing receivable, term loans gross charge-offs	1		4
Automobile \| Consumer
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, term loans gross charge-offs, current fiscal year	1		1
Financing receivable, term loans gross charge-offs, year before current fiscal year	5		11
Financing receivable, term loans gross charge-offs, two years before current fiscal year	3		11
Financing receivable, term loans gross charge-offs, three years before current fiscal year	1		5
Financing receivable, term loans gross charge-offs, four years before current fiscal year	1		4
Financing receivable, term loans gross charge-offs, five years before current fiscal year	1		3
Financing receivable, revolver gross charge-offs	0		0
Financing receivable, revolver converted to term loans gross charge-offs	0		0
Financing receivable, term loans gross charge-offs	12		35
Home equity \| Consumer
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, term loans gross charge-offs, current fiscal year	0		0
Financing receivable, term loans gross charge-offs, year before current fiscal year	0		0
Financing receivable, term loans gross charge-offs, two years before current fiscal year	0		0
Financing receivable, term loans gross charge-offs, three years before current fiscal year	0		0
Financing receivable, term loans gross charge-offs, four years before current fiscal year	0		0
Financing receivable, term loans gross charge-offs, five years before current fiscal year	1		1
Financing receivable, revolver gross charge-offs	0		1
Financing receivable, revolver converted to term loans gross charge-offs	1		4
Financing receivable, term loans gross charge-offs	2		6
RV and marine \| Consumer
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, term loans gross charge-offs, current fiscal year	0		0
Financing receivable, term loans gross charge-offs, year before current fiscal year	0		1
Financing receivable, term loans gross charge-offs, two years before current fiscal year	1		2
Financing receivable, term loans gross charge-offs, three years before current fiscal year	1		2
Financing receivable, term loans gross charge-offs, four years before current fiscal year	1		2
Financing receivable, term loans gross charge-offs, five years before current fiscal year	2		5
Financing receivable, revolver gross charge-offs	0		0
Financing receivable, revolver converted to term loans gross charge-offs	0		0
Financing receivable, term loans gross charge-offs	5		12
Other consumer \| Consumer
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, term loans gross charge-offs, current fiscal year	5		8
Financing receivable, term loans gross charge-offs, year before current fiscal year	5		18
Financing receivable, term loans gross charge-offs, two years before current fiscal year	3		11
Financing receivable, term loans gross charge-offs, three years before current fiscal year	1		4
Financing receivable, term loans gross charge-offs, four years before current fiscal year	1		4
Financing receivable, term loans gross charge-offs, five years before current fiscal year	4		10
Financing receivable, revolver gross charge-offs	0		0
Financing receivable, revolver converted to term loans gross charge-offs	7		20
Financing receivable, term loans gross charge-offs	$ 26		$ 75

LOANS AND LEASES - Modification

LOANS AND LEASES - Modifications (Details) $ in Millions	3 Months Ended	9 Months Ended
LOANS AND LEASES - Modifications (Details) $ in Millions	Sep. 30, 2023 USD ($)	Sep. 30, 2023 USD ($)
Financing Receivable, Modified [Line Items]
Total	$ 228	$ 548
% of total loan class	0.19%	0.45%
Amortized cost basis	$ 548	$ 548
30-59 Days
Financing Receivable, Modified [Line Items]
Amortized cost basis	13	13
60-89 Days
Financing Receivable, Modified [Line Items]
Amortized cost basis	11	11
90 or more days
Financing Receivable, Modified [Line Items]
Amortized cost basis	12	12
Total
Financing Receivable, Modified [Line Items]
Amortized cost basis	36	36
Current
Financing Receivable, Modified [Line Items]
Amortized cost basis	512	512
Commercial \| Commercial and industrial
Financing Receivable, Modified [Line Items]
Total	$ 149	$ 328
% of total loan class	0.30%	0.66%
Amortized cost basis	$ 328	$ 328
Commercial \| Commercial and industrial \| 30-59 Days
Financing Receivable, Modified [Line Items]
Amortized cost basis	2	2
Commercial \| Commercial and industrial \| 60-89 Days
Financing Receivable, Modified [Line Items]
Amortized cost basis	1	1
Commercial \| Commercial and industrial \| 90 or more days
Financing Receivable, Modified [Line Items]
Amortized cost basis	3	3
Commercial \| Commercial and industrial \| Total
Financing Receivable, Modified [Line Items]
Amortized cost basis	6	6
Commercial \| Commercial and industrial \| Current
Financing Receivable, Modified [Line Items]
Amortized cost basis	322	322
Commercial \| Commercial real estate
Financing Receivable, Modified [Line Items]
Total	$ 56	$ 142
% of total loan class	0.44%	1.12%
Amortized cost basis	$ 142	$ 142
Commercial \| Commercial real estate \| 30-59 Days
Financing Receivable, Modified [Line Items]
Amortized cost basis	0	0
Commercial \| Commercial real estate \| 60-89 Days
Financing Receivable, Modified [Line Items]
Amortized cost basis	5	5
Commercial \| Commercial real estate \| 90 or more days
Financing Receivable, Modified [Line Items]
Amortized cost basis	1	1
Commercial \| Commercial real estate \| Total
Financing Receivable, Modified [Line Items]
Amortized cost basis	6	6
Commercial \| Commercial real estate \| Current
Financing Receivable, Modified [Line Items]
Amortized cost basis	136	136
Consumer \| Residential mortgage
Financing Receivable, Modified [Line Items]
Total	$ 16	$ 55
% of total loan class	0.07%	0.23%
Amortized cost basis	$ 55	$ 55
Consumer \| Residential mortgage \| 30-59 Days
Financing Receivable, Modified [Line Items]
Amortized cost basis	10	10
Consumer \| Residential mortgage \| 60-89 Days
Financing Receivable, Modified [Line Items]
Amortized cost basis	5	5
Consumer \| Residential mortgage \| 90 or more days
Financing Receivable, Modified [Line Items]
Amortized cost basis	7	7
Consumer \| Residential mortgage \| Total
Financing Receivable, Modified [Line Items]
Amortized cost basis	22	22
Consumer \| Residential mortgage \| Current
Financing Receivable, Modified [Line Items]
Amortized cost basis	33	33
Consumer \| Automobile
Financing Receivable, Modified [Line Items]
Total	$ 4	$ 12
% of total loan class	0.03%	0.09%
Amortized cost basis	$ 12	$ 12
Consumer \| Automobile \| 30-59 Days
Financing Receivable, Modified [Line Items]
Amortized cost basis	1	1
Consumer \| Automobile \| 60-89 Days
Financing Receivable, Modified [Line Items]
Amortized cost basis	0	0
Consumer \| Automobile \| 90 or more days
Financing Receivable, Modified [Line Items]
Amortized cost basis	0	0
Consumer \| Automobile \| Total
Financing Receivable, Modified [Line Items]
Amortized cost basis	1	1
Consumer \| Automobile \| Current
Financing Receivable, Modified [Line Items]
Amortized cost basis	11	11
Consumer \| Home equity
Financing Receivable, Modified [Line Items]
Total	$ 3	$ 9
% of total loan class	0.03%	0.09%
Amortized cost basis	$ 9	$ 9
Consumer \| Home equity \| 30-59 Days
Financing Receivable, Modified [Line Items]
Amortized cost basis	0	0
Consumer \| Home equity \| 60-89 Days
Financing Receivable, Modified [Line Items]
Amortized cost basis	0	0
Consumer \| Home equity \| 90 or more days
Financing Receivable, Modified [Line Items]
Amortized cost basis	1	1
Consumer \| Home equity \| Total
Financing Receivable, Modified [Line Items]
Amortized cost basis	1	1
Consumer \| Home equity \| Current
Financing Receivable, Modified [Line Items]
Amortized cost basis	8	8
Consumer \| RV and marine
Financing Receivable, Modified [Line Items]
Total		$ 1
% of total loan class		0.02%
Amortized cost basis	1	$ 1
Consumer \| RV and marine \| 30-59 Days
Financing Receivable, Modified [Line Items]
Amortized cost basis	0	0
Consumer \| RV and marine \| 60-89 Days
Financing Receivable, Modified [Line Items]
Amortized cost basis	0	0
Consumer \| RV and marine \| 90 or more days
Financing Receivable, Modified [Line Items]
Amortized cost basis	0	0
Consumer \| RV and marine \| Total
Financing Receivable, Modified [Line Items]
Amortized cost basis	0	0
Consumer \| RV and marine \| Current
Financing Receivable, Modified [Line Items]
Amortized cost basis	1	1
Consumer \| Other consumer
Financing Receivable, Modified [Line Items]
Total		$ 1
% of total loan class		0.07%
Amortized cost basis	1	$ 1
Consumer \| Other consumer \| 30-59 Days
Financing Receivable, Modified [Line Items]
Amortized cost basis	0	0
Consumer \| Other consumer \| 60-89 Days
Financing Receivable, Modified [Line Items]
Amortized cost basis	0	0
Consumer \| Other consumer \| 90 or more days
Financing Receivable, Modified [Line Items]
Amortized cost basis	0	0
Consumer \| Other consumer \| Total
Financing Receivable, Modified [Line Items]
Amortized cost basis	0	0
Consumer \| Other consumer \| Current
Financing Receivable, Modified [Line Items]
Amortized cost basis	1	1
Interest rate reduction
Financing Receivable, Modified [Line Items]
Total	1	34
Interest rate reduction \| Commercial \| Commercial and industrial
Financing Receivable, Modified [Line Items]
Total	$ 1	$ 33
Interest rate reduction \| Commercial \| Commercial and industrial \| Minimum
Financing Receivable, Modified [Line Items]
Weighted-average contractual interest rate	10.56%	7.96%
Interest rate reduction \| Commercial \| Commercial and industrial \| Maximum
Financing Receivable, Modified [Line Items]
Weighted-average contractual interest rate	8.11%	7.25%
Interest rate reduction \| Commercial \| Commercial real estate
Financing Receivable, Modified [Line Items]
Total	$ 0	$ 0
Interest rate reduction \| Consumer \| Commercial real estate \| Minimum
Financing Receivable, Modified [Line Items]
Weighted-average contractual interest rate	13.78%	13.76%
Interest rate reduction \| Consumer \| Commercial real estate \| Maximum
Financing Receivable, Modified [Line Items]
Weighted-average contractual interest rate	9.12%	9.12%
Interest rate reduction \| Consumer \| Residential mortgage
Financing Receivable, Modified [Line Items]
Total	$ 0	$ 0
Interest rate reduction \| Consumer \| Residential mortgage \| Minimum
Financing Receivable, Modified [Line Items]
Weighted-average contractual interest rate	6.98%	6.04%
Interest rate reduction \| Consumer \| Residential mortgage \| Maximum
Financing Receivable, Modified [Line Items]
Weighted-average contractual interest rate	5.14%	4.59%
Interest rate reduction \| Consumer \| Automobile
Financing Receivable, Modified [Line Items]
Total	$ 0	$ 0
Interest rate reduction \| Consumer \| Automobile \| Minimum
Financing Receivable, Modified [Line Items]
Weighted-average contractual interest rate		6.53%
Interest rate reduction \| Consumer \| Automobile \| Maximum
Financing Receivable, Modified [Line Items]
Weighted-average contractual interest rate		6.18%
Interest rate reduction \| Consumer \| Home equity
Financing Receivable, Modified [Line Items]
Total	0	$ 0
Interest rate reduction \| Consumer \| Home equity \| Minimum
Financing Receivable, Modified [Line Items]
Weighted-average contractual interest rate		8.71%
Interest rate reduction \| Consumer \| Home equity \| Maximum
Financing Receivable, Modified [Line Items]
Weighted-average contractual interest rate		6.04%
Interest rate reduction \| Consumer \| RV and marine
Financing Receivable, Modified [Line Items]
Total		$ 0
Interest rate reduction \| Consumer \| Other consumer
Financing Receivable, Modified [Line Items]
Total		1
Term extension
Financing Receivable, Modified [Line Items]
Total	218	492
Term extension \| Commercial \| Commercial and industrial
Financing Receivable, Modified [Line Items]
Total	$ 147	$ 291
Weighted-average years added to the life	1 year	1 year
Term extension \| Commercial \| Commercial real estate
Financing Receivable, Modified [Line Items]
Total	$ 52	$ 138
Weighted-average years added to the life	7 months 6 days	8 months 12 days
Term extension \| Consumer \| Residential mortgage
Financing Receivable, Modified [Line Items]
Total	$ 15	$ 50
Weighted-average years added to the life	8 years 4 months 24 days	7 years 7 months 6 days
Term extension \| Consumer \| Automobile
Financing Receivable, Modified [Line Items]
Total	$ 4	$ 11
Weighted-average years added to the life		2 years
Term extension \| Consumer \| Home equity
Financing Receivable, Modified [Line Items]
Total	0	$ 1
Weighted-average years added to the life		14 years 7 months 6 days
Term extension \| Consumer \| RV and marine
Financing Receivable, Modified [Line Items]
Total		$ 1
Term extension \| Consumer \| Other consumer
Financing Receivable, Modified [Line Items]
Total		0
Payment deferral
Financing Receivable, Modified [Line Items]
Total	0	2
Payment deferral \| Commercial \| Commercial and industrial
Financing Receivable, Modified [Line Items]
Total	0	0
Payment deferral \| Commercial \| Commercial real estate
Financing Receivable, Modified [Line Items]
Total	0	0
Payment deferral \| Consumer \| Residential mortgage
Financing Receivable, Modified [Line Items]
Total	0	2
Payment deferral \| Consumer \| Automobile
Financing Receivable, Modified [Line Items]
Total	0	0
Payment deferral \| Consumer \| Home equity
Financing Receivable, Modified [Line Items]
Total	0	0
Payment deferral \| Consumer \| RV and marine
Financing Receivable, Modified [Line Items]
Total		0
Payment deferral \| Consumer \| Other consumer
Financing Receivable, Modified [Line Items]
Total		0
Combo - interest rate reduction and term extension
Financing Receivable, Modified [Line Items]
Total	9	20
Combo - interest rate reduction and term extension \| Commercial \| Commercial and industrial
Financing Receivable, Modified [Line Items]
Total	1	4
Combo - interest rate reduction and term extension \| Commercial \| Commercial real estate
Financing Receivable, Modified [Line Items]
Total	4	4
Combo - interest rate reduction and term extension \| Consumer \| Residential mortgage
Financing Receivable, Modified [Line Items]
Total	1	3
Combo - interest rate reduction and term extension \| Consumer \| Automobile
Financing Receivable, Modified [Line Items]
Total	0	1
Combo - interest rate reduction and term extension \| Consumer \| Home equity
Financing Receivable, Modified [Line Items]
Total	$ 3	8
Combo - interest rate reduction and term extension \| Consumer \| RV and marine
Financing Receivable, Modified [Line Items]
Total		0
Combo - interest rate reduction and term extension \| Consumer \| Other consumer
Financing Receivable, Modified [Line Items]
Total		$ 0

LOANS AND LEASES - TDRs (Detail

LOANS AND LEASES - TDRs (Details) $ in Millions	3 Months Ended	9 Months Ended
LOANS AND LEASES - TDRs (Details) $ in Millions	Sep. 30, 2022 USD ($) contract	Sep. 30, 2022 USD ($) contract
Financing Receivable, Modified [Line Items]
Number of Contracts \| contract	1,092	3,016
Total	$ 125	$ 288
Interest rate reduction
Financing Receivable, Modified [Line Items]
Total	44	111
Amortization or maturity date change
Financing Receivable, Modified [Line Items]
Total	65	152
Chapter 7 bankruptcy
Financing Receivable, Modified [Line Items]
Total	3	11
Other
Financing Receivable, Modified [Line Items]
Total		$ 14
Commercial real estate \| Other
Financing Receivable, Modified [Line Items]
Total	$ 13
Commercial \| Commercial and industrial
Financing Receivable, Modified [Line Items]
Number of Contracts \| contract	81	222
Total	$ 74	$ 120
Commercial \| Commercial and industrial \| Interest rate reduction
Financing Receivable, Modified [Line Items]
Total	39	69
Commercial \| Commercial and industrial \| Amortization or maturity date change
Financing Receivable, Modified [Line Items]
Total	22	37
Commercial \| Commercial and industrial \| Chapter 7 bankruptcy
Financing Receivable, Modified [Line Items]
Total	0	0
Commercial \| Commercial and industrial \| Other
Financing Receivable, Modified [Line Items]
Total	$ 13	$ 14
Commercial \| Commercial real estate
Financing Receivable, Modified [Line Items]
Number of Contracts \| contract	7	12
Total	$ 15	$ 52
Commercial \| Commercial real estate \| Interest rate reduction
Financing Receivable, Modified [Line Items]
Total	5	42
Commercial \| Commercial real estate \| Amortization or maturity date change
Financing Receivable, Modified [Line Items]
Total	10	10
Commercial \| Commercial real estate \| Chapter 7 bankruptcy
Financing Receivable, Modified [Line Items]
Total	0	0
Commercial \| Commercial real estate \| Other
Financing Receivable, Modified [Line Items]
Total	$ 0	$ 0
Consumer \| Residential mortgage
Financing Receivable, Modified [Line Items]
Number of Contracts \| contract	184	629
Total	$ 26	$ 90
Consumer \| Residential mortgage \| Interest rate reduction
Financing Receivable, Modified [Line Items]
Total	0	0
Consumer \| Residential mortgage \| Amortization or maturity date change
Financing Receivable, Modified [Line Items]
Total	25	85
Consumer \| Residential mortgage \| Chapter 7 bankruptcy
Financing Receivable, Modified [Line Items]
Total	1	5
Consumer \| Residential mortgage \| Other
Financing Receivable, Modified [Line Items]
Total	$ 0	$ 0
Consumer \| Automobile
Financing Receivable, Modified [Line Items]
Number of Contracts \| contract	697	1,791
Total	$ 7	$ 15
Consumer \| Automobile \| Interest rate reduction
Financing Receivable, Modified [Line Items]
Total	0	0
Consumer \| Automobile \| Amortization or maturity date change
Financing Receivable, Modified [Line Items]
Total	6	13
Consumer \| Automobile \| Chapter 7 bankruptcy
Financing Receivable, Modified [Line Items]
Total	1	2
Consumer \| Automobile \| Other
Financing Receivable, Modified [Line Items]
Total	$ 0	$ 0
Consumer \| Home equity
Financing Receivable, Modified [Line Items]
Number of Contracts \| contract	54	166
Total	$ 1	$ 8
Consumer \| Home equity \| Interest rate reduction
Financing Receivable, Modified [Line Items]
Total	0	0
Consumer \| Home equity \| Amortization or maturity date change
Financing Receivable, Modified [Line Items]
Total	1	5
Consumer \| Home equity \| Chapter 7 bankruptcy
Financing Receivable, Modified [Line Items]
Total	0	3
Consumer \| Home equity \| Other
Financing Receivable, Modified [Line Items]
Total	$ 0	$ 0
Consumer \| RV and marine
Financing Receivable, Modified [Line Items]
Number of Contracts \| contract	31	105
Total	$ 2	$ 3
Consumer \| RV and marine \| Interest rate reduction
Financing Receivable, Modified [Line Items]
Total	0	0
Consumer \| RV and marine \| Amortization or maturity date change
Financing Receivable, Modified [Line Items]
Total	1	2
Consumer \| RV and marine \| Chapter 7 bankruptcy
Financing Receivable, Modified [Line Items]
Total	1	1
Consumer \| RV and marine \| Other
Financing Receivable, Modified [Line Items]
Total	$ 0	$ 0
Consumer \| Other consumer
Financing Receivable, Modified [Line Items]
Number of Contracts \| contract	38	91
Total	$ 0	$ 0
Consumer \| Other consumer \| Interest rate reduction
Financing Receivable, Modified [Line Items]
Total	0	0
Consumer \| Other consumer \| Amortization or maturity date change
Financing Receivable, Modified [Line Items]
Total	0	0
Consumer \| Other consumer \| Chapter 7 bankruptcy
Financing Receivable, Modified [Line Items]
Total	0	0
Consumer \| Other consumer \| Other
Financing Receivable, Modified [Line Items]
Total	$ 0	$ 0

ALLOWANCE FOR CREDIT LOSSES - A

ALLOWANCE FOR CREDIT LOSSES - Allowance Roll-forward (Details) - USD ($) $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022	Dec. 31, 2022
Financing Receivable, Allowance for Credit Loss [Roll Forward]
ALLL balance, beginning of period	$ 2,177	$ 2,074	$ 2,121	$ 2,030
Loan and lease charge-offs	(131)	(83)	(322)	(216)
Recoveries of loans and leases previously charged-off	58	39	143	145
Provision for loan and lease losses	104	80	266	151
ALLL balance, end of period	2,208	2,110	2,208	2,110
AULC balance, beginning of period	165	94	150	77
Provision (benefit) for unfunded lending commitments	(5)	26	10	43
AULC balance, end of period	160	120	160	120
ACL balance, end of period	2,368	2,230	2,368	2,230
Commercial
Financing Receivable, Allowance for Credit Loss [Roll Forward]
ALLL balance, beginning of period	1,483	1,342	1,424	1,462
Loan and lease charge-offs	(85)	(35)	(190)	(77)
Recoveries of loans and leases previously charged-off	40	20	89	83
Provision for loan and lease losses	66	87	181	(54)
ALLL balance, end of period	1,504	1,414	1,504	1,414
AULC balance, beginning of period	78	53	71	41
Provision (benefit) for unfunded lending commitments	(2)	8	5	20
AULC balance, end of period	76	61	76	61
ACL balance, end of period	1,580	1,475	1,580	1,475	$ 1,500
Consumer
Financing Receivable, Allowance for Credit Loss [Roll Forward]
ALLL balance, beginning of period	694	732	697	568
Loan and lease charge-offs	(46)	(48)	(132)	(139)
Recoveries of loans and leases previously charged-off	18	19	54	62
Provision for loan and lease losses	38	(7)	85	205
ALLL balance, end of period	704	696	704	696
AULC balance, beginning of period	87	41	79	36
Provision (benefit) for unfunded lending commitments	(3)	18	5	23
AULC balance, end of period	84	59	84	59
ACL balance, end of period	$ 788	$ 755	$ 788	$ 755	$ 776

ALLOWANCE FOR CREDIT LOSSES - N

ALLOWANCE FOR CREDIT LOSSES - Narrative (Details) - USD ($) $ in Millions	9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Dec. 31, 2022
Accounts, Notes, Loans and Financing Receivable [Line Items]
ACL balance, end of period	$ 2,368	$ 2,230
ACL, period increase (decrease)		97
Commercial
Accounts, Notes, Loans and Financing Receivable [Line Items]
ACL balance, end of period	1,580	1,475	$ 1,500
ACL, period increase (decrease)	85
Consumer
Accounts, Notes, Loans and Financing Receivable [Line Items]
ACL balance, end of period	$ 788	$ 755	$ 776

MORTGAGE LOAN SALES AND SERVI_3

MORTGAGE LOAN SALES AND SERVICING RIGHTS - Residential Mortgage Portfolio (Details) - Residential mortgage - USD ($) $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022
Servicing Asset at Amortized Cost [Line Items]
Loans sold with servicing retained	$ 1,100	$ 1,310	$ 3,079	$ 4,557
Pretax gains resulting from above loan sales	$ 21	$ 11	$ 43	$ 110

MORTGAGE LOAN SALES AND SERVI_4

MORTGAGE LOAN SALES AND SERVICING RIGHTS - Residential Mortgage Portfolio, MSRs Fair Value Method (Details) - Residential mortgage - USD ($) $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022
Servicing Asset at Fair Value, Amount [Roll Forward]
Fair value, beginning of period	$ 505	$ 463	$ 494	$ 351
New servicing assets created	17	20	48	68
Time decay	(6)	(6)	(18)	(16)
Payoffs	(7)	(8)	(18)	(29)
Changes in valuation inputs or assumptions	38	17	41	112
Fair value, end of period	$ 547	$ 486	$ 547	$ 486

MORTGAGE LOAN SALES AND SERVI_5

MORTGAGE LOAN SALES AND SERVICING RIGHTS - Residential Mortgage Portfolio, MSRs Fair Value Method Key Assumptions (Details) - Fair value method - Residential mortgage - USD ($) $ in Millions	9 Months Ended	12 Months Ended
	Sep. 30, 2023	Dec. 31, 2022
Servicing Assets at Fair Value [Line Items]
Constant prepayment rate (annualized), actual	6.86%	7.05%
Constant prepayment rate (annualized), 10% adverse change	$ (13)	$ (13)
Constant prepayment rate (annualized), 20% adverse change	$ (26)	$ (25)
Spread over forward interest rate swap rates, actual	5.57%	5.78%
Spread over forward interest rate swap rates, 10% adverse change	$ (12)	$ (12)
Spread over forward interest rate swap rates, 20% adverse change	$ (24)	$ (22)

MORTGAGE LOAN SALES AND SERVI_6

MORTGAGE LOAN SALES AND SERVICING RIGHTS - Narrative (Details) - Residential mortgage - USD ($) $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022	Dec. 31, 2022
Servicing Assets at Fair Value [Line Items]
Servicing income	$ 25	$ 23	$ 72	$ 68
Unpaid principal balance of third party serviced loans	$ 33,000		$ 33,000		$ 32,400

BORROWINGS - Schedule of Short-

BORROWINGS - Schedule of Short-Term Debt (Details) - USD ($) $ in Millions	Sep. 30, 2023	Dec. 31, 2022
Short-term Debt [Line Items]
Short-term borrowings	$ 681	$ 2,027
Federal funds purchased and securities sold under agreements to repurchase
Short-term Debt [Line Items]
Short-term borrowings	656	253
FHLB advances
Short-term Debt [Line Items]
Short-term borrowings	0	1,700
Other borrowings
Short-term Debt [Line Items]
Short-term borrowings	$ 25	$ 74

BORROWINGS - Schedule of Long-T

BORROWINGS - Schedule of Long-Term Debt and Debt Issuances (Details) - USD ($) $ in Millions	Sep. 30, 2023	Dec. 31, 2022
Debt Instrument [Line Items]
Long-term debt	$ 12,822	$ 9,686
Federal Home Loan Bank advances
Debt Instrument [Line Items]
Long-term debt	$ 2,707	211
Weighted average rate	4.21%
Other borrowings
Debt Instrument [Line Items]
Long-term debt	$ 504	572
Parent
Debt Instrument [Line Items]
Long-term debt	4,846	3,980
Parent \| Senior Notes
Debt Instrument [Line Items]
Long-term debt	4,116	3,005
Parent \| Subordinated Notes
Debt Instrument [Line Items]
Long-term debt	730	975
Bank
Debt Instrument [Line Items]
Long-term debt	4,765	4,923
Bank \| Senior Notes
Debt Instrument [Line Items]
Long-term debt	4,114	4,272
Bank \| Subordinated Notes
Debt Instrument [Line Items]
Long-term debt	$ 651	$ 651

BORROWINGS - Narrative (Details

BORROWINGS - Narrative (Details) - Fixed-to-Floating Senior Notes - Senior Notes $ in Billions	3 Months Ended
	Sep. 30, 2023 USD ($)
Debt Instrument [Line Items]
Debt issued	$ 1.3
Debt stated interest rate	6.208%
Secured Overnight Financing Rate (SOFR) Overnight Index Swap Rate
Debt Instrument [Line Items]
Basis spread on variable rate	2.02%

OTHER COMPREHENSIVE INCOME - Ac

OTHER COMPREHENSIVE INCOME - Activity (Details) - USD ($) $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022
Pretax
Other comprehensive income (loss), pretax	$ (788)	$ (1,528)	$ (684)	$ (3,950)
Other comprehensive income (loss) before reclassifications	(661)	(1,184)	(641)	(3,126)
Tax (Expense) Benefit
Net unrealized gains (losses) on net investment hedges	45	6	117	79
Total other comprehensive income (loss), tax (expense) benefit	172	350	160	903
After-tax
Other comprehensive income (loss), net of tax	(616)	(1,178)	(524)	(3,047)
Period change	(616)	(1,178)	(524)	(3,047)
Unrealized gains and (losses) on debt securities
Pretax
Unrealized gains (losses) on available-for-sale securities arising during the period	(826)	(1,265)
Reclassification adjustment for realized net losses included in net income	3	4
Other comprehensive income (loss), pretax	(823)	(1,261)
Other comprehensive income (loss) before reclassifications	(636)	(974)	(561)	(3,043)
Tax (Expense) Benefit
Unrealized gains (losses) on available-for-sale securities arising during the period	190	291
Reclassification adjustment for realized net losses included in net income	0	(1)
Net unrealized gains (losses) on net investment hedges	3	3	32	73
Total other comprehensive income (loss), tax (expense) benefit	190	290
After-tax
Unrealized gains (losses) on available-for-sale securities arising during the period	(636)	(974)
Reclassification adjustment for realized net losses included in net income	3	3
Other comprehensive income (loss), net of tax	(633)	(971)
Period change	(633)	(971)	(529)	(2,970)
Unrealized gains and (losses) on debt securities \| Debt Securities
Pretax
Unrealized gains (losses) on available-for-sale securities arising during the period			(729)	(3,952)
Reclassification adjustment for realized net losses included in net income			41	95
Other comprehensive income (loss), pretax			(688)	(3,857)
Tax (Expense) Benefit
Unrealized gains (losses) on available-for-sale securities arising during the period			168	909
Reclassification adjustment for realized net losses included in net income			(9)	(22)
Total other comprehensive income (loss), tax (expense) benefit			159	887
After-tax
Unrealized gains (losses) on available-for-sale securities arising during the period			(561)	(3,043)
Reclassification adjustment for realized net losses included in net income			32	73
Other comprehensive income (loss), net of tax			(529)	(2,970)
Net change in unrealized gains (losses) on available-for-sale equity securities
Pretax
Other comprehensive income (loss), pretax			(154)
Tax (Expense) Benefit
Total other comprehensive income (loss), tax (expense) benefit			40
After-tax
Unrealized gains (losses) on available-for-sale securities arising during the period			(114)
Net impact of fair value hedges on available-for-sale securities
Pretax
Other comprehensive income (loss), pretax	87	325	44	917
Other comprehensive income (loss) before reclassifications	67	250	34	705
Tax (Expense) Benefit
Net unrealized gains (losses) on net investment hedges	0	0		0
Total other comprehensive income (loss), tax (expense) benefit	(20)	(75)	(10)	(212)
After-tax
Other comprehensive income (loss), net of tax	67	250	34	705
Period change	67	250	34	705
Net change related to cash flow hedges on loans
Pretax
Unrealized gains (losses) on available-for-sale securities arising during the period	(119)		113
Reclassification adjustment for realized net losses included in net income	67
Other comprehensive income (loss), pretax	(52)	(591)	(41)	(1,012)
Tax (Expense) Benefit
Unrealized gains (losses) on available-for-sale securities arising during the period	28		(29)
Reclassification adjustment for realized net losses included in net income	(26)
Total other comprehensive income (loss), tax (expense) benefit	2	135	11	230
After-tax
Unrealized gains (losses) on available-for-sale securities arising during the period	(91)
Reclassification adjustment for realized net losses included in net income	41		84
Other comprehensive income (loss), net of tax	(50)	(456)	(30)	(782)
Accumulated foreign currency adjustment
Pretax
Foreign currency translation adjustment	(6)
Other comprehensive income (loss) before reclassifications	(6)
Net unrealized gains (losses) on net investment hedges	5
Translation adjustments, net of hedges	(1)	(4)	0	(6)
Tax (Expense) Benefit
Reclassification adjustment for realized net losses included in net income	0
Other comprehensive income (loss), tax	0	0	0	0
Net unrealized gains (losses) on net investment hedges	5
After-tax
Period change	(1)	(4)	0	(6)
Unrealized gains (losses) for pension and other post-retirement obligations
Pretax
Other comprehensive income (loss), pretax	1	3	1	8
Other comprehensive income (loss) before reclassifications	0	0	0	0
Tax (Expense) Benefit
Net unrealized gains (losses) on net investment hedges	1	3	1	6
Total other comprehensive income (loss), tax (expense) benefit	0	0	0	(2)
After-tax
Other comprehensive income (loss), net of tax	1	3	1	6
Period change	$ 1	$ 3	$ 1	$ 6

OTHER COMPREHENSIVE INCOME OTHE

OTHER COMPREHENSIVE INCOME OTHER COMPREHENSIVE INCOME - AOCI Roll Forward (Details) - USD ($) $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Balance, beginning of period			$ 17,731
Other comprehensive income (loss) before reclassifications	$ (661)	$ (1,184)	(641)	$ (3,126)
Net unrealized gains (losses) on net investment hedges	45	6	117	79
Period change	(616)	(1,178)	(524)	(3,047)
Balance, end of period	18,483		18,483
Unrealized gains and (losses) on debt securities
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Balance, beginning of period	(2,898)	(2,152)	(3,002)	(153)
Other comprehensive income (loss) before reclassifications	(636)	(974)	(561)	(3,043)
Net unrealized gains (losses) on net investment hedges	3	3	32	73
Period change	(633)	(971)	(529)	(2,970)
Balance, end of period	(3,531)	(3,123)	(3,531)	(3,123)
Net impact of fair value hedges on available-for-sale securities
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Balance, beginning of period	721	544	754	89
Other comprehensive income (loss) before reclassifications	67	250	34	705
Net unrealized gains (losses) on net investment hedges	0	0		0
Period change	67	250	34	705
Balance, end of period	788	794	788	794
Net change related to cash flow hedges on loans
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Balance, beginning of period	(612)	(263)	(632)	63
Other comprehensive income (loss) before reclassifications	(91)	(456)	(114)	(782)
Net unrealized gains (losses) on net investment hedges	41	0	84	0
Period change	(50)	(456)	(30)	(782)
Balance, end of period	(662)	(719)	(662)	(719)
Translation adjustments, net of hedges
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Balance, beginning of period	(7)	(5)	(8)	(3)
Other comprehensive income (loss) before reclassifications	(1)	(4)	0	(6)
Net unrealized gains (losses) on net investment hedges	0	0	0	0
Period change	(1)	(4)	0	(6)
Balance, end of period	(8)	(9)	(8)	(9)
Unrealized gains (losses) for pension and other post-retirement obligations
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Balance, beginning of period	(210)	(222)	(210)	(225)
Other comprehensive income (loss) before reclassifications	0	0	0	0
Net unrealized gains (losses) on net investment hedges	1	3	1	6
Period change	1	3	1	6
Balance, end of period	(209)	(219)	(209)	(219)
AOCI
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Balance, beginning of period	(3,006)	(2,098)	(3,098)	(229)
Balance, end of period	$ (3,622)	$ (3,276)	(3,622)	(3,276)
Reclassification out of Accumulated Other Comprehensive Income
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Net unrealized loss on securities transfer			$ 60	$ 69

SHAREHOLDERS' EQUITY (Details)

SHAREHOLDERS' EQUITY (Details) - USD ($) $ / shares in Units, $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022	Jul. 14, 2023	Dec. 31, 2022
Class of Stock [Line Items]
Shares Outstanding (in shares)	882,500		882,500			557,500
Carrying Amount	$ 2,484		$ 2,484			$ 2,167
Amount ($)	(37)	$ (29)	(106)	$ (85)
Retained Earnings
Class of Stock [Line Items]
Amount ($)	$ (37)	$ (29)	$ (106)	$ (85)
Series B Preferred Stock
Class of Stock [Line Items]
Shares Outstanding (in shares)	35,500		35,500
Carrying Amount	$ 23		$ 23			23
Cash Dividend Declared Per Share (in usd per share)	$ 20.67	$ 16.95	$ 59.39	$ 39.34
Series B Preferred Stock \| Retained Earnings
Class of Stock [Line Items]
Amount ($)	$ (1)	$ 0	$ (2)	$ 0
Series E Preferred Stock
Class of Stock [Line Items]
Shares Outstanding (in shares)	5,000		5,000
Carrying Amount	$ 495		$ 495			495
Cash Dividend Declared Per Share (in usd per share)	$ 2,112.39	$ 1,425	$ 5,572.46	$ 4,275
Series E Preferred Stock \| Retained Earnings
Class of Stock [Line Items]
Amount ($)	$ (11)	$ (7)	$ (28)	$ (21)
Series F Preferred Stock
Class of Stock [Line Items]
Shares Outstanding (in shares)	5,000		5,000
Dividend Rate			5.625%
Carrying Amount	$ 494		$ 494			494
Cash Dividend Declared Per Share (in usd per share)	$ 1,406.25	$ 1,406.25	$ 4,218.75	$ 4,218.75
Series F Preferred Stock \| Retained Earnings
Class of Stock [Line Items]
Amount ($)	$ (7)	$ (7)	$ (21)	$ (21)
Series G Preferred Stock
Class of Stock [Line Items]
Shares Outstanding (in shares)	5,000		5,000
Dividend Rate			4.45%
Carrying Amount	$ 494		$ 494			494
Cash Dividend Declared Per Share (in usd per share)	$ 1,112.5	$ 1,112.5	$ 3,337.5	$ 3,337.5
Series G Preferred Stock \| Retained Earnings
Class of Stock [Line Items]
Amount ($)	$ (5)	$ (6)	$ (17)	$ (18)
Series H Preferred Stock
Class of Stock [Line Items]
Shares Outstanding (in shares)	500,000		500,000
Dividend Rate			4.50%
Carrying Amount	$ 486		$ 486			486
Cash Dividend Declared Per Share (in usd per share)	$ 11.25	$ 11.25	$ 33.75	$ 33.75
Series H Preferred Stock \| Retained Earnings
Class of Stock [Line Items]
Amount ($)	$ (5)	$ (6)	$ (17)	$ (18)
Series I Preferred Stock
Class of Stock [Line Items]
Shares Outstanding (in shares)	7,000		7,000
Dividend Rate			5.70%
Carrying Amount	$ 175		$ 175			175
Redemption price (per share)	$ 25,000		$ 25,000
Cash Dividend Declared Per Share (in usd per share)	$ 356.25	$ 356.25	$ 1,068.75	$ 1,068.75
Series I Preferred Stock \| Retained Earnings
Class of Stock [Line Items]
Amount ($)	$ (2)	$ (3)	$ (7)	$ (7)
Series J Preferred Stock
Class of Stock [Line Items]
Shares Outstanding (in shares)	325,000		325,000
Dividend Rate			6.875%
Carrying Amount	$ 317		$ 317			$ 0
Cash Dividend Declared Per Share (in usd per share)	$ 17.19	$ 0	$ 41.83	$ 0
Series J Preferred Stock \| Retained Earnings
Class of Stock [Line Items]
Amount ($)	$ (6)	$ 0	$ (14)	$ 0
Series B, H and J Preferred Stock
Class of Stock [Line Items]
Redemption price (per share)	$ 1,000		$ 1,000
Series E, F and G Preferred Stock
Class of Stock [Line Items]
Redemption price (per share)	$ 100,000		$ 100,000
Secured Overnight Financing Rate (SOFR) \| Series B Preferred Stock
Class of Stock [Line Items]
Preferred stock, variable rate basis spread	0.26%		0.26%
Secured Overnight Financing Rate (SOFR) \| Series E Preferred Stock
Class of Stock [Line Items]
Preferred stock, variable rate basis spread	0.26%		0.26%
London Interbank Offered Rate (LIBOR) \| Series B Preferred Stock
Class of Stock [Line Items]
Preferred stock, variable rate basis spread	2.70%		2.70%		27,000%
London Interbank Offered Rate (LIBOR) \| Series E Preferred Stock
Class of Stock [Line Items]
Preferred stock, variable rate basis spread	2.88%		2.88%		28,800%

EARNINGS PER SHARE (Details)

EARNINGS PER SHARE (Details) - USD ($) $ / shares in Units, shares in Thousands, $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022
Basic earnings per common share:
Net income attributable to Huntington	$ 547	$ 594	$ 1,708	$ 1,593
Dividends on preferred shares	37	29	106	85
Net income available to common shareholders, basic	510	565	1,602	1,508
Net income applicable to diluted earnings per share	$ 510	$ 565	$ 1,602	$ 1,508
Average common shares issued and outstanding (in shares)	1,447,993	1,442,591	1,445,878	1,440,740
Basic earnings per common share (in usd per share)	$ 0.35	$ 0.39	$ 1.11	$ 1.05
Average dilutive potential common shares:
Stock options and restricted stock units and awards	12,183	16,064	14,670	17,078
Shares held in deferred compensation plans	7,435	6,428	6,989	6,416
Average dilutive potential common shares	19,618	22,492	21,659	23,494
Total diluted average common shares issued and outstanding (in shares)	1,467,611	1,465,083	1,467,537	1,464,234
Diluted earnings per common share (in usd per share)	$ 0.35	$ 0.39	$ 1.09	$ 1.03
Employee Stock Option
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Anti-dilutive awards (in shares)	11,736	7,121	11,188	5,565

NONINTEREST INCOME - Summary of

NONINTEREST INCOME - Summary of Noninterest Income (Details) - USD ($) $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022
Revenue from Contract with Customer [Abstract]
Noninterest income from contracts with customers	$ 338	$ 345	$ 1,047	$ 975
Noninterest income within the scope of other GAAP topics	171	153	469	507
Total noninterest income	$ 509	$ 498	$ 1,516	$ 1,482

NONINTEREST INCOME - Disaggrega

NONINTEREST INCOME - Disaggregation by Segment (Details) - USD ($) $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	$ 338	$ 345	$ 1,047	$ 975
Noninterest income within the scope of other GAAP topics	171	153	469	507
Noninterest income	509	498	1,516	1,482
Service charges on deposit accounts
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	97	93	267	295
Card and payment processing income
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	96	90	278	259
Trust and investment management services
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	62	60	192	188
Insurance income
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	31	28	95	86
Capital markets fees
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	26	38	79	55
Other noninterest income
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	26	36	136	92
Operating Segments \| Commercial Banking
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	75	95	224	211
Noninterest income within the scope of other GAAP topics	81	85	255	259
Noninterest income	156	180	479	470
Operating Segments \| Commercial Banking \| Service charges on deposit accounts
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	19	20	56	65
Operating Segments \| Commercial Banking \| Card and payment processing income
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	7	6	20	17
Operating Segments \| Commercial Banking \| Trust and investment management services
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	4	1	11	3
Operating Segments \| Commercial Banking \| Insurance income
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	2	2	7	6
Operating Segments \| Commercial Banking \| Capital markets fees
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	25	37	71	48
Operating Segments \| Commercial Banking \| Other noninterest income
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	18	29	59	72
Operating Segments \| Consumer & Regional Banking
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	265	252	826	766
Noninterest income within the scope of other GAAP topics	42	53	127	213
Noninterest income	307	305	953	979
Operating Segments \| Consumer & Regional Banking \| Service charges on deposit accounts
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	78	73	211	230
Operating Segments \| Consumer & Regional Banking \| Card and payment processing income
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	89	84	258	242
Operating Segments \| Consumer & Regional Banking \| Trust and investment management services
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	58	59	181	185
Operating Segments \| Consumer & Regional Banking \| Insurance income
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	29	25	88	79
Operating Segments \| Consumer & Regional Banking \| Capital markets fees
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	2	3	9	9
Operating Segments \| Consumer & Regional Banking \| Other noninterest income
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	9	8	79	21
Treasury / Other
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	(2)	(2)	(3)	(2)
Noninterest income within the scope of other GAAP topics	48	15	87	35
Noninterest income	46	13	84	33
Treasury / Other \| Service charges on deposit accounts
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	0	0	0	0
Treasury / Other \| Card and payment processing income
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	0	0	0	0
Treasury / Other \| Trust and investment management services
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	0	0	0	0
Treasury / Other \| Insurance income
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	0	1	0	1
Treasury / Other \| Capital markets fees
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	(1)	(2)	(1)	(2)
Treasury / Other \| Other noninterest income
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	$ (1)	$ (1)	$ (2)	$ (1)

FAIR VALUES OF ASSETS AND LIA_3

FAIR VALUES OF ASSETS AND LIABILITIES - Recurring Basis (Details) - USD ($) $ in Millions	Sep. 30, 2023	Dec. 31, 2022
Assets measured at fair value on a recurring basis
Available-for-sale securities	$ 21,863	$ 23,423
Loans held for sale	601	520
Loans Accounted for Under FVO	175	185
Gross amounts of recognized assets	2,387	2,164
Derivative assets netting	(1,923)	(1,808)
Net amounts of assets presented in the condensed consolidated balance sheets	464	356
Liabilities measured at fair value on a recurring basis
Gross amounts of recognized liabilities	2,237	2,337
Gross amounts offset in the condensed consolidated balance sheets	(1,160)	(1,345)
Derivative liabilities	1,077	992
U.S. Treasury
Assets measured at fair value on a recurring basis
Available-for-sale securities	5	103
Municipal securities
Assets measured at fair value on a recurring basis
Available-for-sale securities	3,477	3,290
Residential MBS
Assets measured at fair value on a recurring basis
Available-for-sale securities	10,916	12,263
Commercial MBS
Assets measured at fair value on a recurring basis
Available-for-sale securities	1,729	1,953
Other agencies
Assets measured at fair value on a recurring basis
Available-for-sale securities	159	182
Private-label CMO
Assets measured at fair value on a recurring basis
Available-for-sale securities	118	128
Asset-backed securities
Assets measured at fair value on a recurring basis
Available-for-sale securities	351	372
Corporate debt
Assets measured at fair value on a recurring basis
Available-for-sale securities	1,973	2,214
Fair Value, Measurements, Recurring
Assets measured at fair value on a recurring basis
Trading account securities	121
Available-for-sale securities	21,863	23,423
Other securities	30	32
Loans held for sale	601	520
MSRs	547	494
Derivative assets netting	(1,923)	(1,808)
Net amounts of assets presented in the condensed consolidated balance sheets	464	356
Assets held in trust for deferred compensation plans	161	155
Liabilities measured at fair value on a recurring basis
Gross amounts offset in the condensed consolidated balance sheets	(1,160)	(1,345)
Derivative liabilities	1,077	992
Fair Value, Measurements, Recurring \| U.S. Treasury
Assets measured at fair value on a recurring basis
Trading account securities	90
Available-for-sale securities	5	103
Fair Value, Measurements, Recurring \| Municipal securities
Assets measured at fair value on a recurring basis
Trading account securities	20	19
Available-for-sale securities	3,477	3,290
Fair Value, Measurements, Recurring \| Residential CMO
Assets measured at fair value on a recurring basis
Available-for-sale securities	3,131	2,914
Fair Value, Measurements, Recurring \| Residential MBS
Assets measured at fair value on a recurring basis
Available-for-sale securities	10,916	12,263
Fair Value, Measurements, Recurring \| Commercial MBS
Assets measured at fair value on a recurring basis
Available-for-sale securities	1,729	1,953
Fair Value, Measurements, Recurring \| Other agencies
Assets measured at fair value on a recurring basis
Available-for-sale securities	159	182
Fair Value, Measurements, Recurring \| Private-label CMO
Assets measured at fair value on a recurring basis
Available-for-sale securities	118	128
Fair Value, Measurements, Recurring \| Asset-backed securities
Assets measured at fair value on a recurring basis
Available-for-sale securities	351	372
Fair Value, Measurements, Recurring \| Corporate debt
Assets measured at fair value on a recurring basis
Trading account securities	11
Available-for-sale securities	1,973	2,214
Fair Value, Measurements, Recurring \| Other securities
Assets measured at fair value on a recurring basis
Available-for-sale securities	4	4
Fair Value, Measurements, Recurring \| Level 1
Assets measured at fair value on a recurring basis
Trading account securities	90
Available-for-sale securities	5	103
Other securities	29	31
Loans held for sale	0	0
Loans Accounted for Under FVO	0	0
MSRs	0	0
Gross amounts of recognized assets	0	0
Assets held in trust for deferred compensation plans	161	155
Liabilities measured at fair value on a recurring basis
Gross amounts of recognized liabilities	0	0
Fair Value, Measurements, Recurring \| Level 1 \| U.S. Treasury
Assets measured at fair value on a recurring basis
Trading account securities	90
Available-for-sale securities	5	103
Fair Value, Measurements, 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
Fair Value, Measurements, Recurring \| Level 1 \| Residential CMO
Assets measured at fair value on a recurring basis
Available-for-sale securities	0	0
Fair Value, Measurements, Recurring \| Level 1 \| Residential MBS
Assets measured at fair value on a recurring basis
Available-for-sale securities	0	0
Fair Value, Measurements, Recurring \| Level 1 \| Commercial MBS
Assets measured at fair value on a recurring basis
Available-for-sale securities	0	0
Fair Value, Measurements, Recurring \| Level 1 \| Other agencies
Assets measured at fair value on a recurring basis
Available-for-sale securities	0	0
Fair Value, Measurements, Recurring \| Level 1 \| Private-label CMO
Assets measured at fair value on a recurring basis
Available-for-sale securities	0	0
Fair Value, Measurements, Recurring \| Level 1 \| Asset-backed securities
Assets measured at fair value on a recurring basis
Available-for-sale securities	0	0
Fair Value, Measurements, Recurring \| Level 1 \| Corporate debt
Assets measured at fair value on a recurring basis
Trading account securities	0
Available-for-sale securities	0	0
Fair Value, Measurements, Recurring \| Level 1 \| Other securities
Assets measured at fair value on a recurring basis
Available-for-sale securities	0	0
Fair Value, Measurements, Recurring \| Level 2
Assets measured at fair value on a recurring basis
Trading account securities	31
Available-for-sale securities	18,326	19,978
Other securities	1	1
Loans held for sale	601	520
Loans Accounted for Under FVO	122	169
MSRs	0	0
Gross amounts of recognized assets	2,383	2,161
Assets held in trust for deferred compensation plans	0	0
Liabilities measured at fair value on a recurring basis
Gross amounts of recognized liabilities	2,232	2,332
Fair Value, Measurements, Recurring \| Level 2 \| U.S. Treasury
Assets measured at fair value on a recurring basis
Trading account securities	0
Available-for-sale securities	0	0
Fair Value, Measurements, Recurring \| Level 2 \| Municipal securities
Assets measured at fair value on a recurring basis
Trading account securities	20	19
Available-for-sale securities	40	42
Fair Value, Measurements, Recurring \| Level 2 \| Residential CMO
Assets measured at fair value on a recurring basis
Available-for-sale securities	3,131	2,914
Fair Value, Measurements, Recurring \| Level 2 \| Residential MBS
Assets measured at fair value on a recurring basis
Available-for-sale securities	10,916	12,263
Fair Value, Measurements, Recurring \| Level 2 \| Commercial MBS
Assets measured at fair value on a recurring basis
Available-for-sale securities	1,729	1,953
Fair Value, Measurements, Recurring \| Level 2 \| Other agencies
Assets measured at fair value on a recurring basis
Available-for-sale securities	159	182
Fair Value, Measurements, Recurring \| Level 2 \| Private-label CMO
Assets measured at fair value on a recurring basis
Available-for-sale securities	98	108
Fair Value, Measurements, Recurring \| Level 2 \| Asset-backed securities
Assets measured at fair value on a recurring basis
Available-for-sale securities	276	298
Fair Value, Measurements, Recurring \| Level 2 \| Corporate debt
Assets measured at fair value on a recurring basis
Trading account securities	11
Available-for-sale securities	1,973	2,214
Fair Value, Measurements, Recurring \| Level 2 \| Other securities
Assets measured at fair value on a recurring basis
Available-for-sale securities	4	4
Fair Value, Measurements, Recurring \| Level 3
Assets measured at fair value on a recurring basis
Trading account securities	0
Available-for-sale securities	3,532	3,342
Other securities	0	0
Loans held for sale	0	0
Loans Accounted for Under FVO	53	16
MSRs	547	494
Gross amounts of recognized assets	4	3
Assets held in trust for deferred compensation plans	0	0
Liabilities measured at fair value on a recurring basis
Gross amounts of recognized liabilities	5	5
Fair Value, Measurements, Recurring \| Level 3 \| U.S. Treasury
Assets measured at fair value on a recurring basis
Trading account securities	0
Available-for-sale securities	0	0
Fair Value, Measurements, Recurring \| Level 3 \| Municipal securities
Assets measured at fair value on a recurring basis
Trading account securities	0	0
Available-for-sale securities	3,437	3,248
Fair Value, Measurements, Recurring \| Level 3 \| Residential CMO
Assets measured at fair value on a recurring basis
Available-for-sale securities	0	0
Fair Value, Measurements, Recurring \| Level 3 \| Residential MBS
Assets measured at fair value on a recurring basis
Available-for-sale securities	0	0
Fair Value, Measurements, Recurring \| Level 3 \| Commercial MBS
Assets measured at fair value on a recurring basis
Available-for-sale securities	0	0
Fair Value, Measurements, Recurring \| Level 3 \| Other agencies
Assets measured at fair value on a recurring basis
Available-for-sale securities	0	0
Fair Value, Measurements, Recurring \| Level 3 \| Private-label CMO
Assets measured at fair value on a recurring basis
Available-for-sale securities	20	20
Fair Value, Measurements, Recurring \| Level 3 \| Asset-backed securities
Assets measured at fair value on a recurring basis
Available-for-sale securities	75	74
Fair Value, Measurements, Recurring \| Level 3 \| Corporate debt
Assets measured at fair value on a recurring basis
Trading account securities	0
Available-for-sale securities	0	0
Fair Value, Measurements, Recurring \| Level 3 \| Other securities
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	3 Months Ended		9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022	Jun. 30, 2023	Dec. 31, 2022	Jun. 30, 2022	Dec. 31, 2021
Assets Level 3 Roll Forward:
Transfers into Level 3			$ 0
Transfers out of Level 3			(18)
Total gains/losses for the period:
Repayments				$ 0
Derivative instruments
Opening balance	$ (1)	$ (9)	(1)	(9)	$ (2)	$ (2)	$ (5)	$ 4
Transfers into Level 3	0
Transfers out of Level 3	(8)	(6)		(6)
Included in earnings:		2
Included in OCI	0	0	0	0
Purchases/originations	0	0	0	0
Repayments	0	0
Settlements	0	0	0	0
Closing balance	(1)	(9)	(1)	(9)
Change in unrealized gains or losses for the period included in earnings for assets held at end of the reporting date	(3)	(8)	1	(17)
Mortgage banking income
Derivative instruments
Included in earnings:	9		19	(7)
Interest and fee income
Derivative instruments
Included in earnings:	0		0	0
Provision for credit losses
Derivative instruments
Included in earnings:				0
MSRs
Assets Level 3 Roll Forward:
Opening balance	505	463	494	351
Transfers into Level 3	0		0
Transfers out of Level 3	0	0	0	0
Total gains/losses for the period:
Included in earnings:		17
Included in OCI	0	0	0	0
Purchases/originations	18	20	49	68
Repayments	0	0		0
Settlements	(13)	(14)	(36)	(45)
Closing balance	547	486	547	486	505	494	463	351
Change in unrealized gains or losses for the period included in earnings for assets held at end of the reporting date	37	17	40	112
MSRs \| Mortgage banking income
Total gains/losses for the period:
Included in earnings:	37		40	112
MSRs \| Interest and fee income
Total gains/losses for the period:
Included in earnings:	0		0	0
MSRs \| Provision for credit losses
Total gains/losses for the period:
Included in earnings:				0
Municipal securities
Assets Level 3 Roll Forward:
Opening balance	3,496	3,377	3,248	3,477
Transfers into Level 3	0		0
Transfers out of Level 3	0	0	0	0
Total gains/losses for the period:
Included in earnings:		0
Included in OCI	17	(66)	13	(274)
Purchases/originations	160	309	715	867
Repayments	0	0		0
Settlements	(234)	(288)	(537)	(732)
Closing balance	3,437	3,332	3,437	3,332	3,496	3,248	3,377	3,477
Change in unrealized gains or losses for the period included in other comprehensive income for assets held at the end of the reporting period	12	(69)	2	(274)
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:	(2)		(2)	(2)
Municipal securities \| Provision for credit losses
Total gains/losses for the period:
Included in earnings:				(4)
Private-label CMO
Assets Level 3 Roll Forward:
Opening balance	20	22	20	20
Transfers into Level 3	0		0
Transfers out of Level 3	0	0	0	0
Total gains/losses for the period:
Included in earnings:		0
Included in OCI	0	0	0	0
Purchases/originations	0	0	1	4
Repayments	0	0		0
Settlements	0	(1)	0	(1)
Closing balance	20	21	20	21	20	20	22	20
Change in unrealized gains or losses for the period included in other comprehensive income for assets held at the end of the reporting period	0	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:	0		(1)	(2)
Private-label CMO \| Provision for credit losses
Total gains/losses for the period:
Included in earnings:				0
Asset-backed securities
Assets Level 3 Roll Forward:
Opening balance	75	44	74	71
Transfers into Level 3	0		0
Transfers out of Level 3	0	0	0	0
Total gains/losses for the period:
Included in earnings:		0
Included in OCI	0	0	1	(1)
Purchases/originations	0	26	0	26
Repayments	0	0		0
Settlements	0	0	0	(26)
Closing balance	75	70	75	70	75	74	44	71
Change in unrealized gains or losses for the period included in other comprehensive income for assets held at the end of the reporting period	0	(1)	0	(1)
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
Asset-backed securities \| Provision for credit losses
Total gains/losses for the period:
Included in earnings:				0
Loans held for investment
Assets Level 3 Roll Forward:
Opening balance	33	17	16	19
Transfers into Level 3	21		40
Transfers out of Level 3	0	0	0	0
Total gains/losses for the period:
Included in earnings:		0
Included in OCI	0	0	0	0
Purchases/originations	0	0	0	0
Repayments	2	(1)		(3)
Settlements	0	0	0	0
Closing balance	53	16	53	16	$ 33	$ 16	$ 17	$ 19
Change in unrealized gains or losses for the period included in earnings for assets held at end of the reporting date	0	$ 0	0	0
Loans held for investment \| Mortgage banking income
Total gains/losses for the period:
Included in earnings:	0		0	0
Loans held for investment \| Interest and fee income
Total gains/losses for the period:
Included in earnings:	$ (3)		$ (3)	0
Loans held for investment \| Provision for credit losses
Total gains/losses for the period:
Included in earnings:				$ 0

FAIR VALUES OF ASSETS AND LIA_5

FAIR VALUES OF ASSETS AND LIABILITIES - Fair Value Option (Details) - USD ($) $ in Millions	Sep. 30, 2023	Dec. 31, 2022
Fair Value, Option, Quantitative Disclosures [Line Items]
Loans held for sale, fair value	$ 601	$ 520
Loans and leases, fair value	175	185
Fair Value, Measurements, Recurring
Fair Value, Option, Quantitative Disclosures [Line Items]
Loans held for sale, fair value	601	520
Fair Value, Measurements, Recurring \| Mortgages Held For Sale
Fair Value, Option, Quantitative Disclosures [Line Items]
Loans held for sale, aggregate unpaid principal	598	513
Difference	3	7
Fair Value, Measurements, Recurring \| Mortgages Held To Maturity
Fair Value, Option, Quantitative Disclosures [Line Items]
Loans and leases, fair value	175	185
Loans held for investment, aggregate unpaid principal	185	190
Difference	(10)	(5)
Fair Value, Measurements, Recurring \| 90 or more days \| Mortgages Held For Sale
Fair Value, Option, Quantitative Disclosures [Line Items]
Loans held for sale, fair value	0	0
Loans held for sale, aggregate unpaid principal	0	0
Difference	0	0
Fair Value, Measurements, Recurring \| 90 or more days \| Mortgages Held To Maturity
Fair Value, Option, Quantitative Disclosures [Line Items]
Loans and leases, fair value	3	11
Loans held for investment, aggregate unpaid principal	3	11
Difference	$ 0	$ 0

FAIR VALUES OF ASSETS AND LIA_6

FAIR VALUES OF ASSETS AND LIABILITIES - Fair Value Option-Changes in Fair Value (Details) - USD ($) $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022
Fair Value, Measurements, Recurring
Fair Value, Option, Quantitative Disclosures [Line Items]
Net gains (losses) from fair value changes	$ (4)	$ (22)	$ (4)	$ (56)
Fair Value Measured On Recurring Basis Automobile Loan \| Fair Value, Measurements, Recurring
Fair Value, Option, Quantitative Disclosures [Line Items]
Net gains (losses) from fair value changes	$ (2)	$ 0	$ (5)	$ 1

FAIR VALUES OF ASSETS AND LIA_7

FAIR VALUES OF ASSETS AND LIABILITIES - Non-Recurring Basis (Details) - USD ($) $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022	Dec. 31, 2022
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans held for sale	$ 601		$ 601		$ 520
Nonrecurring Basis \| Total Gains/(Losses)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Collateral-dependent loans, gains (losses)	6	$ 0	13	$ (1)
Loans held for sale, gains (losses)	0	$ 1	0	$ 1
Nonrecurring Basis \| Level 3 \| Fair Value
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Collateral-dependent loans	24		24		16
Loans held for sale	$ 0		$ 0		$ 0

FAIR VALUES OF ASSETS AND LIA_8

FAIR VALUES OF ASSETS AND LIABILITIES - Significant Unobservable Level 3 Inputs (Details) - Discounted cash flow - Level 3 - Fair Value, Measurements, Recurring	Sep. 30, 2023	Dec. 31, 2022
Residential MBS \| Minimum \| Constant prepayment rate
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Servicing asset, measurement input	0.04	0.05
Residential MBS \| Minimum \| Spread over forward interest rate swap rates
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Servicing asset, measurement input	0.05	0.05
Residential MBS \| Maximum \| Constant prepayment rate
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Servicing asset, measurement input	0.33	0.40
Residential MBS \| Maximum \| Spread over forward interest rate swap rates
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Servicing asset, measurement input	0.13	0.13
Residential MBS \| Weighted Average \| Constant prepayment rate
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Servicing asset, measurement input	0.07	0.07
Residential MBS \| Weighted Average \| Spread over forward interest rate swap rates
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Servicing asset, measurement input	0.06	0.06
Corporate debt \| Minimum \| Discount rate
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Debt securities, available-for-sale, measurement input	0.05	0.05
Corporate debt \| Minimum \| Cumulative default
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Debt securities, available-for-sale, measurement input	0	0
Corporate debt \| Minimum \| Loss given default
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Debt securities, available-for-sale, measurement input	0.20	0.20
Corporate debt \| Maximum \| Discount rate
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Debt securities, available-for-sale, measurement input	0.06	0.05
Corporate debt \| Maximum \| Cumulative default
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Debt securities, available-for-sale, measurement input	0.64	0.64
Corporate debt \| Maximum \| Loss given default
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Debt securities, available-for-sale, measurement input	0.20	0.20
Corporate debt \| Weighted Average \| Discount rate
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Debt securities, available-for-sale, measurement input	0.06	0.05
Corporate debt \| Weighted Average \| Cumulative default
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Debt securities, available-for-sale, measurement input	0.07	0.07
Corporate debt \| Weighted Average \| Loss given default
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Debt securities, available-for-sale, measurement input	0.20	0.20

FAIR VALUES OF ASSETS AND LIA_9

FAIR VALUES OF ASSETS AND LIABILITIES - Balance Sheet Location (Details) - USD ($) $ in Millions		Sep. 30, 2023	Dec. 31, 2022
Financial Assets
Available-for-sale securities		$ 21,863	$ 23,423
Held-to-maturity securities		16,148	17,052
Loans held for sale	[1]	603	529
Net loans and leases		118,645	117,402
Derivative assets, gross		2,387	2,164
Derivative assets, netting adjustments		(1,923)	(1,808)
Derivative assets, net		464	356
Financial Liabilities
Total deposits		148,867	147,914
Short-term borrowings		681	2,027
Long-term debt		12,822	9,686
Derivative liabilities, gross		2,237	2,337
Derivative liabilities, netting adjustments		(1,160)	(1,345)
Derivative liabilities, net		1,077	992
Reported Value Measurement
Financial Assets
Cash and short-term assets		11,693	6,918
Trading account securities		121	19
Available-for-sale securities		21,863	23,423
Held-to-maturity securities		16,148	17,052
Other securities		718	854
Loans held for sale		603	529
Net loans and leases		118,645	117,402
Derivative assets, net		464	356
Assets held in trust for deferred compensation plans		161	155
Financial Liabilities
Total deposits		148,867	147,914
Short-term borrowings		681	2,027
Long-term debt		12,822	9,686
Derivative liabilities, net		1,077	992
Estimate of Fair Value Measurement
Financial Assets
Cash and short-term assets		11,693	6,918
Trading account securities		121	19
Available-for-sale securities		21,863	23,423
Held-to-maturity securities		13,309	14,754
Other securities		718	854
Other securities		30	32
Loans held for sale		603	529
Net loans and leases		114,540	112,591
Derivative assets, net		464	356
Assets held in trust for deferred compensation plans		161	155
Financial Liabilities
Total deposits		148,771	147,796
Short-term borrowings		681	2,027
Long-term debt		12,584	9,564
Derivative liabilities, net		1,077	992
Estimate of Fair Value Measurement \| Level 1
Financial Assets
Trading account securities		90	0
Available-for-sale securities		5	103
Held-to-maturity securities		0	0
Other securities		29	31
Loans held for sale		0	0
Net loans and leases		0	0
Financial Liabilities
Total deposits		0	0
Short-term borrowings		0	0
Long-term debt		0	0
Estimate of Fair Value Measurement \| Level 2
Financial Assets
Trading account securities		31	19
Available-for-sale securities		18,326	19,978
Held-to-maturity securities		13,309	14,754
Other securities		1	1
Loans held for sale		603	520
Net loans and leases		122	169
Derivative assets, gross		2,383	2,161
Financial Liabilities
Total deposits		134,529	142,081
Short-term borrowings		681	2,027
Long-term debt		9,275	8,680
Derivative liabilities, gross		2,232	2,332
Estimate of Fair Value Measurement \| Level 3
Financial Assets
Trading account securities		0	0
Available-for-sale securities		3,532	3,342
Held-to-maturity securities		0	0
Other securities		0	0
Loans held for sale		0	9
Net loans and leases		114,418	112,422
Derivative assets, gross		4	3
Derivative assets, netting adjustments		(1,923)	(1,808)
Financial Liabilities
Total deposits		14,242	5,715
Short-term borrowings		0	0
Long-term debt		3,309	884
Derivative liabilities, gross		5	5
Derivative liabilities, netting adjustments		(1,160)	(1,345)
Fair Value, Recurring
Financial Assets
Trading account securities		121
Available-for-sale securities		21,863	23,423
Derivative assets, netting adjustments		(1,923)	(1,808)
Derivative assets, net		464	356
Financial Liabilities
Derivative liabilities, netting adjustments		(1,160)	(1,345)
Derivative liabilities, net		1,077	992
Fair Value, Recurring \| Level 1
Financial Assets
Trading account securities		90
Available-for-sale securities		5	103
Derivative assets, gross		0	0
Financial Liabilities
Derivative liabilities, gross		0	0
Fair Value, Recurring \| Level 2
Financial Assets
Trading account securities		31
Available-for-sale securities		18,326	19,978
Derivative assets, gross		2,383	2,161
Financial Liabilities
Derivative liabilities, gross		2,232	2,332
Fair Value, Recurring \| Level 3
Financial Assets
Trading account securities		0
Available-for-sale securities		3,532	3,342
Derivative assets, gross		4	3
Financial Liabilities
Derivative liabilities, gross		5	5
Other securities \| Fair Value, Recurring
Financial Assets
Available-for-sale securities		4	4
Other securities \| Fair Value, Recurring \| Level 1
Financial Assets
Available-for-sale securities		0	0
Other securities \| Fair Value, Recurring \| Level 2
Financial Assets
Available-for-sale securities		4	4
Other securities \| Fair Value, Recurring \| Level 3
Financial Assets
Available-for-sale securities		0	0
Amortized Cost \| Reported Value Measurement
Financial Assets
Cash and short-term assets		11,693	6,918
Held-to-maturity securities		16,148	17,052
Other securities		688	822
Net loans and leases		118,470	117,217
Financial Liabilities
Total deposits		148,867	147,914
Short-term borrowings		681	2,027
Long-term debt		12,822	9,686
Fair Value or Fair Value Option \| Reported Value Measurement
Financial Assets
Trading account securities		121	19
Available-for-sale securities		21,863	23,423
Other securities		30	32
Loans held for sale		601	520
Net loans and leases		175	185
Derivative assets, net		464	356
Assets held in trust for deferred compensation plans		161	155
Financial Liabilities
Derivative liabilities, net		1,077	992
Lower of Cost or Market \| Reported Value Measurement
Financial Assets
Loans held for sale		$ 2	$ 9

[1] Amounts represent loans for which Huntington has elected the fair value option. See Note 12 “ Fair Values of Assets and Liabilities ”.

DERIVATIVE FINANCIAL INSTRUME_3

DERIVATIVE FINANCIAL INSTRUMENTS - Hedging Instruments (Details) - USD ($) $ in Millions	Sep. 30, 2023	Dec. 31, 2022
Derivatives, Fair Value [Line Items]
Notional Value	$ 52,587	$ 42,636
Asset derivatives included in accrued income and other assets
Total contracts	2,387	2,164
Liability derivatives included in accrued expenses and other liabilities
Total contracts	2,237	2,337
Accrued income and other assets
Asset derivatives included in accrued income and other assets
Total contracts	2,387	2,164
Accrued expenses and other liabilities
Liability derivatives included in accrued expenses and other liabilities
Total contracts	2,237	2,337
Interest rate contracts \| Accrued income and other assets
Asset derivatives included in accrued income and other assets
Interest rate contracts designated as hedging instruments	1,089	1,008
Interest rate contracts \| Accrued expenses and other liabilities
Liability derivatives included in accrued expenses and other liabilities
Interest rate contracts designated as hedging instruments	981	1,145
Foreign exchange contracts \| Accrued income and other assets
Asset derivatives included in accrued income and other assets
Interest rate contracts designated as hedging instruments	0	2
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	36,962	42,461
Derivatives designated as Hedging Instruments \| Foreign exchange contracts \| Accrued income and other assets
Derivatives, Fair Value [Line Items]
Notional Value	216	202
Derivatives not designated as Hedging Instruments \| Accrued income and other assets
Derivatives, Fair Value [Line Items]
Notional Value	100,741	86,512
Derivatives not designated as Hedging Instruments \| Interest rate contracts \| Accrued income and other assets
Derivatives, Fair Value [Line Items]
Notional Value	57,539	37,562
Asset derivatives included in accrued income and other assets
Interest rate contracts not designated as hedging instruments	1,182	968
Derivatives not designated as Hedging Instruments \| Interest rate contracts \| Accrued expenses and other liabilities
Liability derivatives included in accrued expenses and other liabilities
Interest rate contracts not designated as hedging instruments	1,135	1,008
Derivatives not designated as Hedging Instruments \| Foreign exchange contracts \| Accrued income and other assets
Derivatives, Fair Value [Line Items]
Notional Value	4,654	4,889
Asset derivatives included in accrued income and other assets
Foreign exchange contracts not designated as hedging instruments	65	68
Derivatives not designated as Hedging Instruments \| Foreign exchange contracts \| Accrued expenses and other liabilities
Liability derivatives included in accrued expenses and other liabilities
Foreign exchange contracts not designated as hedging instruments	50	68
Derivatives not designated as Hedging Instruments \| Commodities contracts \| Accrued income and other assets
Derivatives, Fair Value [Line Items]
Notional Value	688	762
Asset derivatives included in accrued income and other assets
Commodities contracts not designated as hedging instruments	51	114
Derivatives not designated as Hedging Instruments \| Commodities contracts \| Accrued expenses and other liabilities
Liability derivatives included in accrued expenses and other liabilities
Commodities contracts not designated as hedging instruments	49	113
Derivatives not designated as Hedging Instruments \| Equity contracts \| Accrued income and other assets
Derivatives, Fair Value [Line Items]
Notional Value	682	636
Asset derivatives included in accrued income and other assets
Derivative instruments not designated as hedging instruments, asset	0	4
Derivatives not designated as Hedging Instruments \| Equity contracts \| Accrued expenses and other liabilities
Liability derivatives included in accrued expenses and other liabilities
Derivative instruments not designated as hedging instruments, liability	$ 22	$ 3

DERIVATIVE FINANCIAL INSTRUME_4

DERIVATIVE FINANCIAL INSTRUMENTS - Gain (Loss) (Details) - Derivatives not designated as Hedging Instruments - Fair Value Hedging - USD ($) $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022
Derivative Instruments, Gain (Loss) [Line Items]
Amount of Gain or (Loss) Recognized in Income on Derivative	$ 10	$ 24	$ 76	$ (11)
Interest rate contracts \| Capital markets fees
Derivative Instruments, Gain (Loss) [Line Items]
Amount of Gain or (Loss) Recognized in Income on Derivative	6	12	23	37
Interest rate contracts \| Mortgage banking income
Derivative Instruments, Gain (Loss) [Line Items]
Amount of Gain or (Loss) Recognized in Income on Derivative	(37)	0	(28)	(80)
Interest rate swaptions \| Other noninterest income
Derivative Instruments, Gain (Loss) [Line Items]
Amount of Gain or (Loss) Recognized in Income on Derivative	33	0
Interest rate swaptions \| Other noninterest expense
Derivative Instruments, Gain (Loss) [Line Items]
Amount of Gain or (Loss) Recognized in Income on Derivative			50	0
Foreign exchange contracts \| Capital markets fees
Derivative Instruments, Gain (Loss) [Line Items]
Amount of Gain or (Loss) Recognized in Income on Derivative	9	12	34	32
Commodities contracts \| Capital markets fees
Derivative Instruments, Gain (Loss) [Line Items]
Amount of Gain or (Loss) Recognized in Income on Derivative	1	1	4	4
Equity contracts \| Other noninterest expense
Derivative Instruments, Gain (Loss) [Line Items]
Amount of Gain or (Loss) Recognized in Income on Derivative	$ (2)	$ (1)	$ (7)	$ (4)

DERIVATIVE FINANCIAL INSTRUME_5

DERIVATIVE FINANCIAL INSTRUMENTS - Asset and Liability Management (Details) - USD ($) $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022	Dec. 31, 2022
Notional Disclosures [Abstract]
Notional Value	$ 52,587		$ 52,587		$ 42,636
Increase (decrease) to net interest income due to derivative adjustment	(62)	$ 21	(178)	$ 108
Not Designated as Hedging Instrument, Economic Hedge
Notional Disclosures [Abstract]
Notional Value	15,625		15,625		175
Fair Value Hedging \| Derivatives designated as Hedging Instruments
Notional Disclosures [Abstract]
Notional Value	19,287		19,287		18,136
Cash Flow Hedging \| Derivatives designated as Hedging Instruments
Notional Disclosures [Abstract]
Notional Value	17,675		17,675		24,325
Investment securities
Notional Disclosures [Abstract]
Notional Value	27,169		27,169		10,407
Investment securities \| Not Designated as Hedging Instrument, Economic Hedge
Notional Disclosures [Abstract]
Notional Value	15,450		15,450		0
Investment securities \| Fair Value Hedging \| Derivatives designated as Hedging Instruments
Notional Disclosures [Abstract]
Notional Value	11,719		11,719		10,407
Investment securities \| Cash Flow Hedging \| Derivatives designated as Hedging Instruments
Notional Disclosures [Abstract]
Notional Value	0		0		0
Loans
Notional Disclosures [Abstract]
Notional Value	17,850		17,850		24,500
Loans \| Not Designated as Hedging Instrument, Economic Hedge
Notional Disclosures [Abstract]
Notional Value	175		175		175
Loans \| Fair Value Hedging \| Derivatives designated as Hedging Instruments
Notional Disclosures [Abstract]
Notional Value	0		0		0
Loans \| Cash Flow Hedging \| Derivatives designated as Hedging Instruments
Notional Disclosures [Abstract]
Notional Value	17,675		17,675		24,325
Long-term debt
Notional Disclosures [Abstract]
Notional Value	7,568		7,568		7,729
Long-term debt \| Not Designated as Hedging Instrument, Economic Hedge
Notional Disclosures [Abstract]
Notional Value	0		0		0
Long-term debt \| Fair Value Hedging \| Derivatives designated as Hedging Instruments
Notional Disclosures [Abstract]
Notional Value	7,568		7,568		7,729
Long-term debt \| Cash Flow Hedging \| Derivatives designated as Hedging Instruments
Notional Disclosures [Abstract]
Notional Value	$ 0		$ 0		$ 0

DERIVATIVE FINANCIAL INSTRUME_6

DERIVATIVE FINANCIAL INSTRUMENTS - Fair Value Hedges (Details) - USD ($) $ in Millions	3 Months Ended		9 Months Ended		12 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022	Dec. 31, 2022
Derivative Instruments, Gain (Loss) [Line Items]
Cumulative basis adjustments associated with hedging relationships	$ 916		$ 916		$ 849
Fair value hedging adjustments			(71)		(70)
Investment Securities
Derivative Instruments, Gain (Loss) [Line Items]
Amortized Cost	18,291		18,291		18,029
Cumulative Amount of Fair Value Hedging Adjustment To Hedged Items	(1,024)		(1,024)		(979)
Amortized cost basis of the closed portfolios used in hedging relationships	17,700		17,700
Cumulative basis adjustments associated with hedging relationships	(916)		(916)
Designated hedged items	11,100		11,100
Interest Rate Swap
Derivative Instruments, Gain (Loss) [Line Items]
Designated hedged items	662		662
Subordinated notes
Derivative Instruments, Gain (Loss) [Line Items]
Amortized Cost	7,134		7,134		7,175
Cumulative Amount of Fair Value Hedging Adjustment To Hedged Items	(365)		(365)		$ (256)
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	88	$ 340	44	$ 926
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	(87)	(324)	(45)	(914)
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	(87)	(178)	(109)	(314)
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	$ 87	$ 178	$ 109	$ 315

DERIVATIVE FINANCIAL INSTRUME_7

DERIVATIVE FINANCIAL INSTRUMENTS - Cash Flow Hedges and Economic Hedges (Details) - USD ($) $ in Millions	9 Months Ended
	Sep. 30, 2023	Dec. 31, 2022
Derivative Instruments, Gain (Loss) [Line Items]
Notional Value	$ 52,587	$ 42,636
Net losses recognized in AOCI expected to be reclassed	(261)
Loans
Derivative Instruments, Gain (Loss) [Line Items]
Notional Value	$ 17,850	$ 24,500

DERIVATIVE FINANCIAL INSTRUME_8

DERIVATIVE FINANCIAL INSTRUMENTS - MSR Hedging Activities (Details) - USD ($) $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022	Dec. 31, 2022
Derivative Instruments and Hedging Activities Disclosures [Line Items]
Remaining maturity	1 year		1 year
Notional Value	$ 52,587		$ 52,587		$ 42,636
Derivative used in Mortgage Banking Activities
Derivative Instruments and Hedging Activities Disclosures [Line Items]
Derivative, fair value, net	12		12		(3)
Notional Value	1,200		1,200		1,120
Trading assets	1		1		4
Trading liabilities	(102)		(102)		(78)
Trading losses	(37)	$ (25)	(43)	$ (105)
Commitments to sell loans
Derivative Instruments and Hedging Activities Disclosures [Line Items]
Commitments to sell residential real estate loans	$ 893		$ 893		$ 766

DERIVATIVE FINANCIAL INSTRUME_9

DERIVATIVE FINANCIAL INSTRUMENTS - Derivatives Used In Customer Related Activities (Details) - USD ($) $ in Millions	Sep. 30, 2023	Dec. 31, 2022
Derivative [Line Items]
Credit risks from interest rate swaps used for trading purposes	$ 64	$ 118
Derivative used in trading activity
Derivative [Line Items]
Net derivative asset (liability)	61	59
Derivative financial instruments used by Huntington on behalf of customers including offsetting derivatives, notional value	$ 44,600	$ 40,700

DERIVATIVE FINANCIAL INSTRUM_10

DERIVATIVE FINANCIAL INSTRUMENTS - Financial Assets And Liabilities That Are Offset (Details) $ in Millions	9 Months Ended
	Sep. 30, 2023 USD ($) group	Dec. 31, 2022 USD ($)
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Number of primary groups \| group	2
Aggregate credit risk, net of collateral	$ 359	$ 227
Investment securities and cash collateral pledged by Huntington	207
Investment securities and cash collateral pledged to Huntington	$ 1,100

DERIVATIVE FINANCIAL INSTRUM_11

DERIVATIVE FINANCIAL INSTRUMENTS - Offsetting Assets (Details) - USD ($) $ in Millions	Sep. 30, 2023	Dec. 31, 2022
Offsetting Derivative Assets [Abstract]
Gross amounts of recognized assets	$ 2,387	$ 2,164
Gross amounts offset in the condensed consolidated balance sheets	1,923	1,808
Net amounts of assets presented in the condensed consolidated balance sheets	464	356
Gross amounts not offset in the condensed consolidated balance sheets, Financial instruments	(267)	(7)
Gross amounts not offset in the condensed consolidated balance sheets, cash collateral received	(12)	(56)
Net amount	$ 185	$ 293

DERIVATIVE FINANCIAL INSTRUM_12

DERIVATIVE FINANCIAL INSTRUMENTS - Offsetting Liabilities (Details) - USD ($) $ in Millions	Sep. 30, 2023	Dec. 31, 2022
Offsetting Derivative Liabilities [Abstract]
Gross amounts of recognized liabilities	$ 2,237	$ 2,337
Gross amounts offset in the condensed consolidated balance sheets	(1,160)	(1,345)
Derivative liabilities	1,077	992
Gross amounts not offset in the condensed consolidated balance sheets, Financial instruments	0	(79)
Gross amounts not offset in the condensed consolidated balance sheets, Cash collateral received	(114)	(118)
Net amount	$ 963	$ 795

VARIABLE INTEREST ENTITIES - Un

VARIABLE INTEREST ENTITIES - Unconsolidated VIEs (Details) - USD ($) $ in Millions	Sep. 30, 2023	Dec. 31, 2022
Variable Interest Entity [Line Items]
Total Assets	$ 186,650	$ 182,906
Total Liabilities	168,120	165,137
Variable Interest Entity
Variable Interest Entity [Line Items]
Total Assets	3,022	2,572
Total Liabilities	1,693	1,649
Maximum Exposure to Loss	3,008	2,558
Affordable Housing Tax Credit Partnerships \| Variable Interest Entity
Variable Interest Entity [Line Items]
Total Assets	2,231	2,036
Total Liabilities	1,309	1,260
Maximum Exposure to Loss	2,231	2,036
Trust Preferred Securities \| Variable Interest Entity
Variable Interest Entity [Line Items]
Total Assets	14	14
Total Liabilities	248	248
Maximum Exposure to Loss	0	0
Other Investments \| Variable Interest Entity
Variable Interest Entity [Line Items]
Total Assets	777	522
Total Liabilities	136	141
Maximum Exposure to Loss	$ 777	$ 522

VARIABLE INTEREST ENTITIES - Na

VARIABLE INTEREST ENTITIES - Narrative (Details) - USD ($)	3 Months Ended		9 Months Ended
VARIABLE INTEREST ENTITIES - Narrative (Details) - USD ($)	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Affordable housing investments, impairment	$ 0	$ 0	$ 0	$ 0

VARIABLE INTEREST ENTITIES - Lo

VARIABLE INTEREST ENTITIES - Low Income Housing Tax Credit Partnerships (Details) - Variable Interest Entity - USD ($) $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022	Dec. 31, 2022
Affordable Housing Tax Credit Partnerships
Variable Interest Entity [Line Items]
Affordable housing tax credit investments	$ 3,229		$ 3,229		$ 2,891
Less: amortization	(998)		(998)		(855)
Net affordable housing tax credit investments	2,231		2,231		2,036
Unfunded commitments	1,309		1,309		$ 1,260
Tax credits and other tax benefits recognized	66	$ 52	197	$ 159
Proportional Amortization Method
Variable Interest Entity [Line Items]
Proportional amortization expense included in provision for income taxes	$ 55	$ 45	$ 164	$ 131

COMMITMENTS AND CONTINGENT LI_3

COMMITMENTS AND CONTINGENT LIABILITIES - Commitments to Extend Credit (Details) - USD ($) $ in Millions	Sep. 30, 2023	Dec. 31, 2022
Commercial
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Contract amount represents credit risk	$ 32,426	$ 32,500
Consumer
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Contract amount represents credit risk	19,598	19,064
Commercial real estate
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Contract amount represents credit risk	2,816	3,393
Standby letters of credit
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Contract amount represents credit risk	761	714
Commercial \| Commercial letters of credit
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Contract amount represents credit risk	$ 10	$ 15

COMMITMENTS AND CONTINGENT LI_4

COMMITMENTS AND CONTINGENT LIABILITIES - Narrative (Details) - USD ($) $ in Millions	9 Months Ended
	Sep. 30, 2023	Dec. 31, 2022
Loss Contingencies [Line Items]
Bond expiration period	2 years
Standby letters of credit
Loss Contingencies [Line Items]
Carrying amount of deferred revenue associated with guarantees	$ 13	$ 27
Minimum
Loss Contingencies [Line Items]
Aggregate range of reasonably possible losses current legal proceedings	0
Maximum
Loss Contingencies [Line Items]
Aggregate range of reasonably possible losses current legal proceedings	$ 20

SEGMENT REPORTING (Details)

SEGMENT REPORTING (Details) $ in Millions	3 Months Ended		9 Months Ended
SEGMENT REPORTING (Details) $ in Millions	Sep. 30, 2023 USD ($)	Sep. 30, 2022 USD ($)	Sep. 30, 2023 USD ($) segment	Sep. 30, 2022 USD ($)	Dec. 31, 2022 USD ($)
Segment Reporting Information [Line Items]
Number of reporting segments \| segment			2
Net interest income (loss)	$ 1,368	$ 1,404	$ 4,123	$ 3,811
Provision for credit losses	99	106	276	198
Noninterest income	509	498	1,516	1,482
Noninterest expense	1,090	1,053	3,226	3,124
Provision (benefit) for income taxes	136	146	414	371
Income attributable to non-controlling interest	5	3	15	7
Net income attributable to Huntington	547	594	1,708	1,593
Total Assets	186,650		186,650		$ 182,906
Total deposits	148,867		148,867		147,914
Operating Segments \| Consumer & Business Banking
Segment Reporting Information [Line Items]
Net interest income (loss)	1,211	896	3,569	2,237
Provision for credit losses	82	22	192	189
Noninterest income	307	305	953	979
Noninterest expense	764	726	2,283	2,179
Provision (benefit) for income taxes	141	94	430	178
Income attributable to non-controlling interest	0	0	0	0
Net income attributable to Huntington	531	359	1,617	670
Total Assets	72,192		72,192		70,268
Total deposits	108,182		108,182		105,064
Operating Segments \| Commercial Banking
Segment Reporting Information [Line Items]
Net interest income (loss)	582	490	1,722	1,327
Provision for credit losses	17	84	84	9
Noninterest income	156	180	479	470
Noninterest expense	278	270	830	763
Provision (benefit) for income taxes	93	67	270	215
Income attributable to non-controlling interest	5	3	15	7
Net income attributable to Huntington	345	246	1,002	803
Total Assets	63,473		63,473		63,611
Total deposits	36,023		36,023		36,807
Treasury / Other
Segment Reporting Information [Line Items]
Net interest income (loss)	(425)	18	(1,168)	247
Provision for credit losses	0	0	0	0
Noninterest income	46	13	84	33
Noninterest expense	48	57	113	182
Provision (benefit) for income taxes	(98)	(15)	(286)	(22)
Income attributable to non-controlling interest	0	0	0	0
Net income attributable to Huntington	(329)	$ (11)	(911)	$ 120
Total Assets	50,985		50,985		49,027
Total deposits	$ 4,662		$ 4,662		$ 6,043