Huntington Bancshares (HBAN) 10-K 14 Feb 20 2019 FY Annual report Financial data

Cover Page Cover

Cover Page Cover - USD ($)	12 Months Ended
	Dec. 31, 2019	Jun. 30, 2019
Entity Information [Line Items]
Document Type	10-K
Document Annual Report	true
Document Period End Date	Dec. 31, 2019
Entity File Number	1-34073
Entity Incorporation, State or Country Code	MD
Entity Tax Identification Number	31-0724920
Entity Address, Address Line One	41 South High Street
Entity Address, City or Town	Columbus,
Entity Address, State or Province	OH
Entity Address, Postal Zip Code	43287
City Area Code	614
Local Phone Number	480-2265
Entity Well-known Seasoned Issuer	Yes
Entity Voluntary Filers	No
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Large Accelerated Filer
Entity Small Business	false
Entity Emerging Growth Company	false
Entity Shell Company	false
Entity Common Stock, Shares Outstanding	1,019,194,130
Entity Registrant Name	HUNTINGTON BANCSHARES INC/MD
Entity Central Index Key	0000049196
Document Transition Report	false
Amendment Flag	false
Document Fiscal Year Focus	2019
Document Fiscal Period Focus	FY
Current Fiscal Year End Date	--12-31
Entity Public Float		$ 14,582,832,960
Documents Incorporated by Reference	Part III of this Form 10-K incorporates by reference certain information from the registrant’s definitive Proxy Statement for the 2020 Annual Shareholders’ Meeting.
5.875% Series C Non-Cumulative, perpetual preferred stock
Entity Information [Line Items]
Title of 12(b) Security	Depositary Shares (each representing a 1/40th interest in a share of 5.875% Series C Non-Cumulative, perpetual preferred stock)
Trading Symbol	HBANN
Security Exchange Name	NASDAQ
6.250% Series D Non-Cumulative, perpetual preferred stock
Entity Information [Line Items]
Title of 12(b) Security	Depositary Shares (each representing a 1/40th interest in a share of 6.250% Series D Non-Cumulative, perpetual preferred stock)
Trading Symbol	HBANO
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	Dec. 31, 2019	Dec. 31, 2018
Assets
Cash and due from banks	$ 1,045	$ 1,108
Interest-bearing deposits at Federal Reserve Bank	125	1,564
Interest-bearing deposits in banks	102	53
Trading account securities	99	105
Available-for-sale securities	14,149	13,780
Held-to-maturity securities	9,070	8,565
Other securities	441	565
Loans held for sale (includes $781 and $613 respectively, measured at fair value)(1)	877	804
Loans and leases (includes $81 and $79 respectively, measured at fair value)(1)	75,404	74,900
Allowance for loan and lease losses	(783)	(772)
Net loans and leases	74,621	74,128
Bank owned life insurance	2,542	2,507
Premises and equipment	763	790
Goodwill	1,990	1,989
Servicing rights and other intangible assets	475	535
Other assets	2,703	2,288
Total assets	109,002	108,781
Deposits:
Demand deposits—noninterest-bearing (includes $210 classified as held-for-sale at December 31, 2018)	20,247	21,783
Interest-bearing (includes $662 classified as held-for-sale at December 31, 2018)	62,100	62,991
Total Deposits	82,347	84,774
Short-term borrowings	2,606	2,017
Long-term debt	9,849	8,625
Other liabilities	2,405	2,263
Total liabilities	97,207	97,679
Commitments and contingencies (Note 21)
Shareholders’ equity
Preferred stock	1,203	1,203
Common stock	10	11
Capital surplus	8,806	9,181
Less treasury shares, at cost	(56)	(45)
Accumulated other comprehensive loss	(256)	(609)
Retained earnings	2,088	1,361
Total shareholders’ equity	11,795	11,102
Total liabilities and shareholders’ equity	$ 109,002	$ 108,781
Common shares authorized (par value of $0.01) (in shares)	1,500,000,000	1,500,000,000
Common shares outstanding (in shares)	1,020,003,482	1,046,767,252
Treasury shares outstanding (in shares)	4,537,605	3,817,385
Preferred Stock, authorized shares	6,617,808	6,617,808
Preferred shares outstanding (in shares)	740,500	740,500

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parenthetical) - USD ($) $ in Millions	Dec. 31, 2019	Dec. 31, 2018
Assets
Loans held for sale, fair value	$ 781	$ 613
Loans and Leases Receivable, Gross	$ 75,404	74,900
Liabilities
Demand Deposits, Noninterest-Bearing, Held-for-Sale		210
Demand Deposits, Interest-Bearing, Held-for-Sale		$ 662
Shareholders’ equity
Common stock, par value (in usd per share)	$ 0.01	$ 0.01
Fair Value
Assets
Loans and Leases Receivable, Gross	$ 81	$ 79

Consolidated Statements of Inco

Consolidated Statements of Income - USD ($) shares in Thousands, $ in Millions	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Interest and fee income:
Loans and leases	$ 3,541	$ 3,305	$ 2,838
Available-for-sale securities
Taxable	295	279	283
Tax-exempt	83	97	77
Held-to-maturity securities-taxable	218	211	193
Other securities-taxable	16	25	20
Other interest income	48	32	22
Total interest income	4,201	3,949	3,433
Interest expense
Deposits	585	391	180
Short-term borrowings	54	48	25
Long-term debt	349	321	226
Total interest expense	988	760	431
Net interest income	3,213	3,189	3,002
Provision for credit losses	287	235	201
Net interest income after provision for credit losses	2,926	2,954	2,801
Service charges on deposit accounts	372	364	353
Card and payment processing income	246	224	206
Trust and investment management services	178	171	156
Mortgage banking income	167	108	131
Capital markets fees	123	108	90
Insurance income	88	82	81
Bank owned life insurance income	66	67	67
Gain on sale of loans and leases	55	55	56
Net (losses) gains on sales of securities	(24)	(21)	0
Impairment losses recognized in earnings on available-for-sale securities (a)	0	0	(4)
Other noninterest income	183	163	171
Total noninterest income	1,454	1,321	1,307
Personnel costs	1,654	1,559	1,524
Outside data processing and other services	346	294	313
Equipment	163	164	171
Net occupancy	159	184	212
Professional services	54	60	69
Amortization of intangibles	49	53	56
Marketing	37	53	60
Deposit and other insurance expense	34	63	78
Other noninterest expense	225	217	231
Total noninterest expense	2,721	2,647	2,714
Income before income taxes	1,659	1,628	1,394
Provision for income taxes	248	235	208
Net income	1,411	1,393	1,186
Dividends on preferred shares	74	70	76
Net income available to common shareholders	$ 1,337	$ 1,323	$ 1,110
Average common shares—basic (in shares)	1,038,840	1,081,542	1,084,686
Average common shares—diluted (in shares)	1,056,079	1,105,985	1,136,186
Per common share:
Net income - basic (in USD per share)	$ 1.29	$ 1.22	$ 1.02
Net income - diluted (in USD per share)	$ 1.27	$ 1.20	$ 1
Impairment losses on available-for-sale securities:
Total OTTI losses	$ 0	$ 0	$ (4)
Noncredit-related portion of loss recognized in other comprehensive income	0	0	0
Impairment losses recognized in earnings on available-for-sale securities	$ 0	$ 0	$ (4)

Consolidated Statement of Compr

Consolidated Statement of Comprehensive Income - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Statement of Comprehensive Income [Abstract]
Net income	$ 1,411	$ 1,393	$ 1,186
Non-credit-related impairment recoveries on debt securities not expected to be sold	0	0	2
Unrealized gains (losses) on available-for-sale securities:
Unrealized net gains (losses) on available-for-sale and other securities arising during the period, net of reclassification for net realized gains and losses	(335)	84	39
Total unrealized gains (losses) on available-for-sale securities	335	(84)	(37)
Unrealized gains on cash flow hedging derivatives, net of reclassifications to income	0	0	3
Change in fair value related to cash flow hedges	23
Change in accumulated unrealized gains (losses) for pension and other post-retirement obligations	(5)	4	0
Other comprehensive income (loss), net of tax	353	(80)	(34)
Comprehensive income	$ 1,764	$ 1,313	$ 1,152

Consolidated Statements of Chan

Consolidated Statements of Changes in Shareholders' Equity - USD ($) shares in Thousands, $ in Millions	Total	Preferred Stock	Common Stock	Capital Surplus	Treasury Stock	Accumulated Other Comprehensive Loss	Retained Earnings (Deficit)	Series A Preferred Stock	Series A Preferred StockRetained Earnings (Deficit)	Series E Preferred Stock [Member]	Series E Preferred Stock [Member]Retained Earnings (Deficit)	Series B Preferred Stock	Series B Preferred StockRetained Earnings (Deficit)	Series C Preferred Stock	Series C Preferred StockRetained Earnings (Deficit)	Series D Preferred Stock	Series D Preferred StockRetained Earnings (Deficit)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Shares, Outstanding			1,088,641		(2,953)
Beginning balance at Dec. 31, 2016	$ 10,308		$ 11	$ 9,881	$ (27)	$ (401)	$ (227)	$ 1,071
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	1,186						1,186
Other comprehensive income (loss)	(34)					(34)
Repurchase of common stock (in shares)			(19,430)
Repurchase of common stock	(260)		$ 0	(260)
Cash dividends declared:
Dividends, Common Stock, Cash	(379)						(379)
Dividends, Preferred Stock, Cash								(31)	$ (31)			$ (1)	$ (1)	$ (6)	$ (6)	$ (38)	$ (38)
Recognition of the fair value of share-based compensation	92			92
Other share-based compensation activity (in shares)			5,923
Other share-based compensation activity	(19)		$ 0	(10)			(9)
TCJA, Reclassification from accumulated OCI to retained earnings	0					(93)	93
Other (in shares)			161		(315)
Other	(4)		$ 0	4	$ (8)		0
Ending balance at Dec. 31, 2017	10,814		$ 11	9,707	$ (35)	(528)	588	1,071
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Shares, Outstanding			1,075,295		(3,268)
Conversion of Stock, Amount Converted										$ 363
Net income	1,393						1,393
Other comprehensive income (loss)	(80)					(80)
Repurchase of common stock (in shares)			(61,644)
Repurchase of common stock	(939)		$ 0	(939)
Issuance of preferred stock										495
Cash dividends declared:
Dividends, Common Stock, Cash	(541)						(541)
Dividends, Preferred Stock, Cash										(24)	$ (24)	(3)	(3)	(6)	(6)	(37)	(37)
Recognition of the fair value of share-based compensation	78			78
Other share-based compensation activity (in shares)			6,603
Other share-based compensation activity	(41)		$ 0	(31)			(10)
Other (in shares)			0		549
Other	7		$ 0	(3)	$ 10		0
Ending balance at Dec. 31, 2018	11,102	$ 1,203	$ 11	9,181	$ (45)	(609)	1,361	$ 1,203
Cash dividends declared:
Stock Issued During Period, Shares, Acquisitions			30,330
Stock Issued During Period, Value, Acquisitions	0			363
New Accounting Pronouncement or Change in Accounting Principle, Cumulative Effect of Change on Equity or Net Assets	(1)
Cumulative Effect of New Accounting Principle in Period of Adoption	0
Shares, Outstanding			1,050,584		(3,817)
Net income	1,411						1,411
Other comprehensive income (loss)	353					353
Repurchase of common stock (in shares)			(31,494)
Repurchase of common stock	(441)		$ (1)	(440)
Dividends, Common Stock, Cash	(611)						(611)
Dividends, Preferred Stock, Cash										$ (29)	$ (29)	$ (2)	$ (2)	$ (6)	$ (6)	$ (37)	$ (37)
Recognition of the fair value of share-based compensation	83			83
Other share-based compensation activity (in shares)			5,451
Other share-based compensation activity	(18)		$ 0	(18)
Other (in shares)					(720)
Other	(10)			0	$ (11)		1
Ending balance at Dec. 31, 2019	$ 11,795	$ 1,203	$ 10	$ 8,806	$ (56)	$ (256)	$ 2,088
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Shares, Outstanding			1,024,541		(4,537)

Consolidated Statements of Ch_2

Consolidated Statements of Changes in Shareholders' Equity (Parenthetical) - $ / shares	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Cash dividends declared:
Common stock, cash dividend per share (in USD per share)	$ 0.58	$ 0.5	$ 0.35
Series A Preferred Stock
Cash dividends declared:
Preferred stock dividend per share (in usd per share)			85
Series B Preferred Stock
Cash dividends declared:
Preferred stock dividend per share (in usd per share)	51.22	49.11	39.11
Series C Preferred Stock
Cash dividends declared:
Preferred stock dividend per share (in usd per share)	58.76	58.76	58.76
Series D Preferred Stock
Cash dividends declared:
Preferred stock dividend per share (in usd per share)	62.50	62.50	$ 62.5
Series E Preferred Stock [Member]
Cash dividends declared:
Preferred stock dividend per share (in usd per share)	$ 5,700	$ 4,892.5

Consolidated Statements of Cash

Consolidated Statements of Cash Flows - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Operating activities
Net income	$ 1,411	$ 1,393	$ 1,186
Adjustments to reconcile net income to net cash provided by (used in) operating activities:
Provision for credit losses	287	235	201
Depreciation and amortization	386	493	413
Share-based compensation expense	83	78	92
Deferred income tax expense	23	63	168
Net (losses) gains on sales of securities	(24)	(21)	0
Impairment losses recognized in earnings on available-for-sale securities	0	0	4
Net change in:
Trading account securities	(32)	(11)	47
Loans held for sale	(214)	(301)	12
Other assets	(593)	(235)	(420)
Other liabilities	194	22	233
Other, net	29	(11)	22
Net cash provided by (used in) operating activities	1,574	1,726	1,954
Investing activities
Change in interest bearing deposits in banks	(112)	90	39
Cash paid for acquisition of a business, net of cash received	0	(15)	0
Proceeds from:
Maturities and calls of available-for-sale securities	2,124	2,109	1,994
Maturities and calls of held-to-maturity securities	1,021	743	1,054
Sales of available-for-sale securities	3,903	1,419	2,490
Purchases of available-for-sale securities	(6,036)	(2,485)	(5,429)
Purchases of held-to-maturity securities	(1,519)	(338)	(1,356)
Net proceeds from sales of portfolio loans	1,049	697	603
Principal payments received from finance leases	714	0	0
Net loan and lease activity, excluding sales and purchases	(2,149)	(5,333)	(3,680)
Purchases of premises and equipment	(107)	(110)	(194)
Purchases of loans and leases	(445)	(542)	(405)
Net cash paid for branch disposition	(548)	0
Net cash paid for branch disposition			0
Other, net	228	102	18
Net cash provided by (used in) investing activities	(1,877)	(3,663)	(4,866)
Financing activities
(Decrease) increase in deposits	(1,702)	7,733	1,433
Increase (decrease) in short-term borrowings	586	(3,025)	1,371
Net proceeds from issuance of long-term debt	1,796	2,229	1,891
Maturity/redemption of long-term debt	(743)	(2,798)	(948)
Dividends paid on preferred stock	(74)	(70)	(76)
Dividends paid on common stock	(597)	(514)	(349)
Repurchases of common stock	(441)	(939)	(260)
Net proceeds from issuance of preferred stock	0	495	0
Payments related to tax-withholding for share based compensation awards	(26)	(27)	(26)
Other, net	2	5	11
Net cash provided by (used for) financing activities	(1,199)	3,089	3,047
Increase (decrease) in cash and cash equivalents	(1,502)	1,152	135
Cash and cash equivalents at end of period	2,672	1,520	1,385
Cash and cash equivalents at beginning of period	1,170	2,672	1,520
Supplemental disclosures:
Interest paid	989	742	409
Income taxes paid (refunded)	111	(52)	84
Non-cash activities:
Loans transferred to held-for-sale from portfolio	963	818	660
Loans transferred to portfolio from held-for-sale	19	51	12
Transfer of loans to OREO	19	20	29
Transfer of securities from available-for-sale to held-to-maturity	0	2,833	0
Transfer of securities from held-to-maturity to available-for-sale	$ 0	$ 2,707	$ 993

SIGNIFICANT ACCOUNTING POLICIES

SIGNIFICANT ACCOUNTING POLICIES	12 Months Ended
	Dec. 31, 2019
Accounting Policies [Abstract]
SIGNIFICANT ACCOUNTING POLICIES	SIGNIFICANT ACCOUNTING POLICIES Nature of Operations — Huntington Bancshares Incorporated (Huntington or the Company) is a multi-state diversified regional bank holding company organized under Maryland law in 1966 and headquartered in Columbus, Ohio. Through its subsidiaries, including its bank subsidiary, The Huntington National Bank (the Bank), Huntington is engaged in providing full-service commercial, small business, consumer banking services, mortgage banking services, automobile financing, recreational vehicle and marine financing, equipment leasing, investment management, trust services, brokerage services, insurance programs, and other financial products and services. Huntington’s banking offices are located in Ohio, Illinois, Michigan, Pennsylvania, Indiana, West Virginia, and Kentucky. Select financial services and other activities are also conducted in various other states. International banking services are available through the headquarters office in Columbus, Ohio. Basis of Presentation — The Consolidated Financial Statements include the accounts of Huntington and its majority-owned subsidiaries and are presented in accordance with GAAP. All intercompany transactions and balances are eliminated in consolidation. Entities in which Huntington holds a controlling financial interest are consolidated. For a voting interest entity, a controlling financial interest is generally where Huntington holds, directly or indirectly, more than 50 percent of the outstanding voting shares. For a variable interest entity (VIE), a controlling financial interest is where Huntington has the power to direct the activities of an entity that most significantly impact the entity’s economic performance and has an obligation to absorb losses or the right to receive benefits from the VIE. For consolidated entities where Huntington holds less than a 100% interest, Huntington recognizes non-controlling interest (included in shareholders’ equity) for the equity held by minority shareholders and non-controlling profit or loss (included in noninterest expense) for the portion of the entity’s earnings attributable to minority interests. Investments in companies that are not consolidated are accounted for using the equity method when Huntington has the ability to exert significant influence. Investments in nonmarketable equity securities for which Huntington does not have the ability to exert significant influence are generally accounted for using the cost method adjusted for change in observable prices. Investments in private investment partnerships that are accounted for under the equity method or the cost method are included in other assets and Huntington’s earnings in equity investments are included in other noninterest income. Investments accounted for under the cost and equity methods are periodically evaluated for impairment. The preparation of financial statements in conformity with GAAP requires management to make estimates and assumptions that significantly affect amounts reported in the Consolidated Financial Statements. Huntington utilizes processes that involve the use of significant estimates and the judgments of management in determining the amount of its allowance for credit losses, income taxes, as well as fair value measurements of investment securities, derivative instruments, goodwill, other intangible assets, pension assets and liabilities, short-term borrowings, mortgage servicing rights, and loans held for sale. As with any estimate, actual results could differ from those estimates. For statements of cash flows purposes, cash and cash equivalents are defined as the sum of cash and due from banks and interest-bearing deposits at Federal Reserve Bank. Certain prior period amounts have been reclassified to conform to the current year’s presentation. Resale and Repurchase Agreements — Securities purchased under agreements to resell and securities sold under agreements to repurchase are treated as collateralized financing transactions and are recorded at the amounts at which the securities were acquired or sold plus accrued interest. The fair value of collateral either received from or provided to a third-party is monitored and additional collateral is obtained or requested to be returned to Huntington in accordance with the agreement. Securities — Securities purchased with the intention of recognizing short-term profits or which are actively bought and sold are classified as trading account securities and reported at fair value. The unrealized gains or losses on trading account securities are recorded in other noninterest income, except for gains and losses on trading account securities used to economically hedge the fair value of MSRs, which are included in mortgage banking income. Debt securities purchased that Huntington has the positive intent and ability to hold to their maturity are classified as held-to-maturity securities. Held-to-maturity securities are recorded at amortized cost. All other debt and equity securities are classified as available-for-sale securities and other securities, respectively. Unrealized gains or losses on available-for-sale securities are reported as a separate component of accumulated OCI in the Consolidated Statements of Changes in Shareholders’ Equity. Credit-related declines in the value of debt securities that are considered OTTI are recorded in noninterest income. Huntington evaluates its investment securities portfolio on a quarterly basis for indicators of OTTI. Huntington assesses whether OTTI has occurred when the fair value of a debt security is less than the amortized cost at the balance sheet date. Management reviews the amount of unrealized loss, the length of time the security has been in an unrealized loss position, the credit rating history, market trends of similar security classes, time remaining to maturity, and the source of both interest and principal payments to identify securities which could potentially be impaired. For those debt securities that Huntington intends to sell or is more likely than not required to sell, before the recovery of their amortized cost bases, the difference between fair value and amortized cost is considered to be OTTI and is recognized in noninterest income. For those debt securities that Huntington does not intend to sell or is not more likely than not required to sell, prior to expected recovery of amortized cost bases, the credit portion of the OTTI is recognized in noninterest income while the noncredit portion is recognized in OCI. In determining the credit portion, Huntington uses a discounted cash flow analysis, which includes evaluating the timing and amount of the expected cash flows. Non-credit-related OTTI results from other factors, including increased liquidity spreads and higher interest rates. Presentation of OTTI is made in the Consolidated Statements of Income on a gross basis with a reduction for the amount of OTTI recognized in OCI. Securities transactions are recognized on the trade date (the date the order to buy or sell is executed). The carrying value plus any related accumulated OCI balance of sold securities is used to compute realized gains and losses. Interest on securities, including amortization of premiums and accretion of discounts using the effective interest method over the period to maturity, is included in interest income. Non-marketable equity securities include stock held for membership and regulatory purposes, such as FHLB stock and FRB stock. These securities are accounted for at cost, evaluated for impairment, and are included in other securities. Other securities also include mutual funds and other marketable equity securities. These securities are carried at fair value, with changes in fair value recognized in other noninterest income. Loans and Leases — Loans and direct financing leases for which Huntington has the intent and ability to hold for the foreseeable future, or until maturity or payoff, are classified in the Consolidated Balance Sheets as loans and leases. Except for purchase credit impaired loans and loans for which the fair value option has been elected, loans and leases are carried at the principal amount outstanding, net of charge-offs, unamortized deferred loan origination fees and costs, premiums and discounts, and unearned income. Direct financing leases are reported at the aggregate of lease payments receivable and estimated residual values, net of unearned and deferred income, and any initial direct costs incurred to originate these leases. Interest income is accrued as earned using the interest method. Huntington defers the fees it receives from the origination of loans and leases, as well as the direct costs of those activities. Huntington also acquires loans at premiums and/or discounts to their contractual values. Huntington amortizes loan discounts, premiums, and net loan origination fees and costs over the contractual lives of the related loans using the effective interest method. Troubled debt restructurings are loans for which the original contractual terms have been modified to provide a concession to a borrower experiencing financial difficulties. Loan modifications are considered TDRs when the concessions provided are not available to the borrower through either normal channels or other sources. However, not all loan modifications are TDRs. Modifications resulting in troubled debt restructurings may include changes to one or more terms of the loan, including but not limited to, a change in interest rate, an extension of the repayment period, a reduction in payment amount, and partial forgiveness or deferment of principal or accrued interest. Impairment of the residual values of direct financing leases is evaluated quarterly, with impairment arising if the expected fair value is less than the carrying amount. Huntington assesses net investments in leases (including residual values) for impairment and recognizes impairment losses in accordance with the impairment guidance for financial instruments. As such, net investments in leases may be reduced by an allowance for credit losses, with changes recognized as provision expense. For leased equipment, the residual component of a direct financing lease represents the estimated fair value of the leased equipment at the end of the lease term. Huntington uses industry data, historical experience, and independent appraisals to establish these residual value estimates. Additional information regarding product life cycle, product upgrades, as well as insight into competing products are obtained through relationships with industry contacts and are factored into residual value estimates where applicable. Loans Held for Sale — Loans in which Huntington does not have the intent and ability to hold for the foreseeable future are classified as loans held for sale. Loans held for sale are carried at (a) the lower of cost or fair value less costs to sell, or (b) fair value where the fair value option is elected. The fair value option is generally elected for mortgage loans originated with the intent to sell to facilitate hedging of the loans. The fair value of such loans is estimated based on the inputs that include prices of mortgage backed securities adjusted for other variables such as, interest rates, expected credit defaults and market discount rates. The adjusted value reflects the price we expect to receive from the sale of such loans. Nonaccrual and Past Due Loans — Loans are considered past due when the contractual amounts due with respect to principal and interest are not received within 30 days of the contractual due date. Any loan in any portfolio may be placed on nonaccrual status prior to the policies described below when collection of principal or interest is in doubt. When a borrower with debt is discharged in a Chapter 7 bankruptcy and the debt is not reaffirmed by the borrower, the loan is determined to be collateral dependent and placed on nonaccrual status, unless there is a co-borrower or the repayment is likely to occur based on objective evidence. All classes within the C&I and CRE portfolios are placed on nonaccrual status at 90 -days past due. First-lien home equity loans are placed on nonaccrual status at 150 -days past due. Junior-lien home equity loans are placed on nonaccrual status at the earlier of 120 -days past due or when the related first-lien loan has been identified as nonaccrual. Automobile, RV and marine and other consumer loans are placed on non-accrual, if not charged off, when the loan is 120 -days past due. Residential mortgage loans are placed on nonaccrual status at 150 -days past due, with the exception of residential mortgages guaranteed by government agencies which continue to accrue interest at the rate guaranteed by the government agency. For all classes within all loan portfolios, when a loan is placed on nonaccrual status, any accrued interest income, to the extent it is recognized in the current year, is reversed and charged to interest income. For all classes within all loan portfolios, cash receipts on NALs are applied against principal until the loan or lease has been collected in full, including the charged-off portion, after which time any additional cash receipts are recognized as interest income. However, for secured non-reaffirmed debt in a Chapter 7 bankruptcy, payments are applied to principal and interest when the borrower has demonstrated a capacity to continue payment of the debt and collection of the debt is reasonably assured. For unsecured non-reaffirmed debt in a Chapter 7 bankruptcy where the carrying value has been fully charged-off, payments are recorded as loan recoveries. Within the C&I and CRE portfolios, the determination of a borrower’s ability to make the required principal and interest payments is based on an examination of the borrower’s current financial statements, industry, management capabilities, and other qualitative measures. For all classes within the consumer loan portfolio, the determination of a borrower’s ability to make the required principal and interest payments is based on multiple factors, including number of days past due and, in some instances, an evaluation of the borrower’s financial condition. When, in management’s judgment, the borrower’s ability to make required principal and interest payments resumes and collectability is no longer in doubt, supported by sustained repayment history, the loan is returned to accrual status. For loans that are returned to accrual status, cash receipts are applied according to the contractual terms of the loan. Allowance for Credit Losses — Huntington maintains two reserves, both of which reflect management’s judgment regarding the appropriate level necessary to absorb credit losses inherent in our loan and lease portfolio: the ALLL and the AULC. Combined, these reserves comprise the total ACL. The determination of the ACL requires significant estimates, including the timing and amounts of expected future cash flows on impaired loans and leases, consideration of current economic conditions, and historical loss experience pertaining to pools of homogeneous loans and leases, all of which may be susceptible to change. The appropriateness of the ACL is based on management’s current judgments about the credit quality of the loan portfolio. These judgments consider on-going evaluations of the loan and lease portfolio, including such factors as the differing economic risks associated with each loan category, the financial condition of specific borrowers, the level of delinquent loans, the value of any collateral and, where applicable, the existence of any guarantees or other documented support. Further, management evaluates the impact of changes in interest rates and overall economic conditions on the ability of borrowers to meet their financial obligations when quantifying our exposure to credit losses and assessing the appropriateness of our ACL at each reporting date. The ALLL consists of two components: (1) the transaction reserve and (2) the general reserve. The transaction reserve component includes both (1) an estimate of loss based on pools of commercial and consumer loans and leases with similar characteristics and (2) an estimate of loss based on an impairment review of each impaired C&I and CRE loan where obligor balance is greater than $1 million . For the C&I and CRE portfolios, the estimate of loss based on pools of loans and leases with similar characteristics is made by applying PD and LGD factors to each individual loan based on a regularly updated loan grade, using a standardized loan grading system. The PD and LGD factors are determined for each loan grade using statistical models based on historical performance data. The PD factor considers on-going reviews of the financial performance of the specific borrower, including cash flow, debt-service coverage ratio, earnings power, debt level, and equity position, in conjunction with an assessment of the borrower’s industry and future prospects. The LGD factor considers analysis of the type of collateral and the relative LTV ratio. These reserve factors are developed based on credit migration models that track historical movements of loans between loan ratings over time and a combination of long-term average loss experience of our own portfolio and external industry data. In the case of more homogeneous portfolios, such as automobile loans, home equity loans, and residential mortgage loans, the determination of the transaction reserve also incorporates PD and LGD factors. The estimate of loss is based on pools of loans and leases with similar characteristics. The PD factor considers current credit scores unless the account is delinquent, in which case a higher PD factor is used driven by the associated delinquency status. The credit score provides a basis for understanding the borrower’s past and current payment performance, and this information is used to estimate expected losses over the loss emergence period. The performance of first-lien loans ahead of our junior-lien loans is available to use as part of our updated score process. The LGD factor considers analysis of the type of collateral and the relative LTV ratio. Credit scores, models, analyses, and other factors used to determine both the PD and LGD factors are updated frequently to capture the recent behavioral characteristics of the subject portfolios, as well as any changes in loss mitigation or credit origination strategies, and adjustments to the reserve factors are made as required. The general reserve consists of various risk-profile reserve components. The risk-profile components consider items unique to our structure, policies, processes, and portfolio composition, as well as qualitative measurements and assessments of the loan portfolios including, but not limited to, concentrations, portfolio composition, industry comparisons, and internal review functions. The estimate for the AULC is determined using the same procedures and methodologies as used for the ALLL. The loss factors used in the AULC are the same as the loss factors used in the ALLL while also considering historical utilization of unused commitments. The AULC is recorded in other liabilities in the Consolidated Balance Sheets. Charge-off of Uncollectible Loans — Any loan in any portfolio may be charged-off prior to the policies described below if a loss confirming event has occurred. Loss confirming events include, but are not limited to, bankruptcy (unsecured), continued delinquency, foreclosure, or receipt of an asset valuation indicating a collateral deficiency and that asset is the sole source of repayment. Additionally, discharged, collateral dependent non-reaffirmed debt in Chapter 7 bankruptcy filings will result in a charge-off to estimated collateral value, less anticipated selling costs, unless the repayment is likely to occur based on objective evidence. C&I and CRE loans are generally either charged-off or written down to net realizable value at 90 -days past due. Automobile, RV and marine and other consumer loans are generally charged-off at 120 -days past due. First-lien and junior-lien home equity loans are charged-off to the estimated fair value of the collateral, less anticipated selling costs, at 150 -days past due and 120 -days past due, respectively. Residential mortgages are charged-off to the estimated fair value of the collateral at 150 -days past due. Impaired Loans — For all classes within the C&I and CRE portfolios, loans with an obligor balance of $1 million or greater are evaluated on a quarterly basis for impairment. Except for TDRs, consumer loans within any class are generally not individually evaluated on a regular basis for impairment. All TDRs, regardless of the outstanding balance amount, are also considered to be impaired. Once a loan has been identified for an assessment of impairment, the loan is considered impaired when, based on current information and events, it is probable that all amounts due according to the contractual terms of the loan agreement will not be collected. This determination requires significant judgment and use of estimates, and the eventual outcome may differ significantly from those estimates. When a loan in any class has been determined to be impaired, the amount of the impairment is measured using the present value of expected future cash flows discounted at the loan’s effective interest rate or, as a practical expedient, the observable market price of the loan, or the fair value of the collateral, less anticipated selling costs, if the loan is collateral dependent. A specific reserve is established as a component of the ALLL when a loan has been determined to be impaired. Subsequent to the initial measurement of impairment, if there is a significant change to the impaired loan’s expected future cash flows, or if actual cash flows are significantly different from the cash flows previously estimated, Huntington recalculates the impairment and appropriately adjusts the specific reserve. Similarly, if Huntington measures impairment based on the observable market price of an impaired loan or the fair value of the collateral of an impaired collateral dependent loan, Huntington will adjust the specific reserve as appropriate. When a loan within any class is impaired, the accrual of interest income is discontinued unless the receipt of principal and interest is no longer in doubt. Interest income on TDRs is accrued when all principal and interest is expected to be collected under the post-modification terms. Cash receipts on nonaccruing impaired loans within any class are generally applied entirely against principal until the loan has been collected in full (including any portion charged-off) or the loan is deemed current, after which time any additional cash receipts are recognized as interest income. Cash receipts on accruing impaired loans within any class are applied in the same manner as accruing loans that are not considered impaired. Collateral — We pledge assets as collateral as required for various transactions including security repurchase agreements, public deposits, loan notes, derivative financial instruments, short-term borrowings and long-term borrowings. Assets that have been pledged as collateral, including those that can be sold or repledged by the secured party, continue to be reported on our Consolidated Balance Sheets. We also accept collateral, primarily as part of various transactions including derivative instruments and security resale agreements. Collateral accepted by us is excluded from our Consolidated Balance Sheets. The market value of collateral we have accepted or pledged is regularly monitored and additional collateral is obtained or provided as necessary to ensure appropriate collateral coverage in these transactions. Premises and Equipment — Premises and equipment are stated at cost, less accumulated depreciation and amortization. Depreciation is computed principally by the straight-line method over the estimated useful lives of the related assets. Buildings and building improvements are depreciated over an average of 30 to 40 years and 10 to 30 years, respectively. Land improvements and furniture and fixtures are depreciated over an average of 5 to 20 years, while equipment is depreciated over a range of 3 to 10 years. Leasehold improvements are amortized over the lesser of the asset’s useful life or the lease term, including any renewal periods for which renewal is reasonably assured. Maintenance and repairs are charged to expense as incurred, while improvements that extend the useful life of an asset are capitalized and depreciated over the remaining useful life. Amounts in premises and equipment may include items classified as held-for-sale, which are carried at lower of cost or fair value, less costs to sell. Premises and equipment are evaluated for impairment whenever events or changes in circumstances indicate that the carrying amount of the asset may not be recoverable. Mortgage Servicing Rights — Huntington recognizes the rights to service mortgage loans as an asset when servicing is contractually separated from the underlying mortgage loans by sale or securitization of the loans with servicing rights retained or when purchased. MSRs are included in servicing rights and other intangible assets in the Consolidated Balance Sheets. For loan sales with servicing retained, a servicing asset is recorded on the day of the sale, at fair value, for the right to service the loans sold. To determine the fair value of a MSR, Huntington uses an option adjusted spread cash flow analysis incorporating market implied forward interest rates to estimate the future direction of mortgage and market interest rates. The forward rates utilized are derived from the current yield curve for U.S. dollar interest rate swaps and are consistent with pricing of capital markets instruments. The current and projected mortgage interest rate influences the prepayment rate and, therefore, the timing and magnitude of the cash flows associated with the MSR. Servicing revenues on mortgage loans are included in mortgage banking income. At the time of initial capitalization, MSRs may be grouped into servicing classes based on the availability of market inputs used in determining fair value and the method used for managing the risks of the servicing assets. MSR assets are recorded using the fair value method or the amortization method. The election of the fair value or amortization method is made at the time each servicing class is established. All newly created MSRs since 2009 were recorded using the amortization method. Any change in the fair value of MSRs carried under the fair value method, as well as amortization and impairment of MSRs under the amortization method, during the period is recorded in mortgage banking income. Huntington economically hedges the value of certain MSRs using derivative instruments and trading securities. Changes in fair value of these derivatives and trading securities are reported as a component of mortgage banking income. Goodwill and Other Intangible Assets — Under the acquisition method of accounting, the net assets of entities acquired by Huntington are recorded at their estimated fair value at the date of acquisition. The excess cost of consideration paid over the fair value of net assets acquired is recorded as goodwill. Other intangible assets with finite useful lives are amortized either on an accelerated or straight-line basis over their estimated useful lives. Goodwill is evaluated for impairment on an annual basis at October 1 st of each year or whenever events or changes in circumstances indicate that the carrying value may not be recoverable. Other intangible assets are reviewed for impairment whenever events or changes in circumstances indicate that the carrying amount of the asset may not be recoverable. Derivative Financial Instruments — A variety of derivative financial instruments, principally interest rate swaps, caps, floors, and collars, are used in asset and liability management activities to protect against the risk of adverse price or interest rate movements. These instruments provide flexibility in adjusting Huntington’s sensitivity to changes in interest rates without exposure to loss of principal and higher funding requirements. Huntington also uses derivatives, principally loan sale commitments, in hedging its mortgage loan interest rate lock commitments and its mortgage loans held for sale. Mortgage loan sale commitments and the related interest rate lock commitments are carried at fair value on the Consolidated Balance Sheets with changes in fair value reflected in mortgage banking income. Huntington also uses certain derivative financial instruments to offset changes in value of its MSRs. These derivatives consist primarily of forward interest rate agreements and forward mortgage contracts. The derivative instruments used are not designated as qualifying hedges. Accordingly, such derivatives are recorded at fair value with changes in fair value reflected in mortgage banking income. Derivative financial instruments are recorded in the Consolidated Balance Sheets as either an asset or a liability (in other assets and other liabilities, respectively) and measured at fair value. On the date a derivative contract is entered into, we designate it as either: • a qualifying hedge of the fair value of a recognized asset or liability or of an unrecognized firm commitment (fair value hedge); • a qualifying hedge of the variability of cash flows to be received or paid related to a recognized asset, liability or forecasted transaction (cash flow hedge); or • a trading instrument or a non-qualifying (economic) hedge. Changes in the fair value of a derivative that has been designated and qualifies as a fair value hedge, along with the changes in the fair value of the hedged asset or liability that is attributable to the hedged risk, are recorded in current period earnings. Changes in the fair value of a derivative that has been designated and qualifies as a cash flow hedge are recorded in other comprehensive income, net of income taxes, and reclassified into earnings in the period during which the hedged item affects earnings. Changes in the fair value of derivatives held for trading purposes or which do not qualify for hedge accounting are reported in current period earnings. For those derivatives to which hedge accounting is applied, Huntington formally documents the hedging relationship and the risk management objective and strategy for undertaking the hedge. This documentation identifies the hedging instrument, the hedged item or transaction, the nature of the risk being hedged, and, unless the hedge meets all of the criteria to assume there is no ineffectiveness, the method that will be used to assess the effectiveness of the hedging instrument. The methods utilized to assess retrospective hedge effectiveness, as well as the frequency of testing, vary based on the type of item being hedged and the designated hedge period. For specifically designated fair value hedges of certain fixed-rate debt, Huntington utilizes the short-cut method when certain criteria are met. For other fair value hedges of fixed-rate debt, Huntington utilizes the regression method to evaluate hedge effectiveness on a quarterly basis. Hedge accounting is discontinued prospectively when: • the derivative is no longer effective or expected to be effective in offsetting changes in the fair value or cash flows of a hedged item (including firm commitments or forecasted transactions); • the derivative expires or is sold, terminated, or exercised; • the forecasted transaction is no longer probable of occurring; • the hedged firm commitment no longer meets the definition of a firm commitment; or • the designation of the derivative as a hedging instrument is removed. When hedge accounting is discontinued and the derivative no longer qualifies as an effective fair value or cash flow hedge, the derivative continues to be carried on the balance sheet at fair value. In the case of a discontinued fair value hedge of a recognized asset or liability, as long as the hedged item continues to exist on the balance sheet, the hedged item will no longer be adjusted for changes in fair value. The basis adjustment that had previously been recorded to the hedged item during the period from the hedge designation date to the hedge discontinuation date is recognized as an adjustment to the yield of the hedged item over the remaining life of the hedged item. In the case of a discontinued cash flow hedge of a recognized asset or liability, as long as the hedged item continue

ACCOUNTING STANDARDS UPDATE

ACCOUNTING STANDARDS UPDATE	12 Months Ended
	Dec. 31, 2019
New Accounting Pronouncements and Changes in Accounting Principles [Abstract]
ACCOUNTING STANDARDS UPDATE	ACCOUNTING STANDARDS UPDATE Accounting standards adopted in current period Standard Summary of guidance Effects on financial statements ASU 2016-02 - Leases. Issued February 2016 - New lease accounting model for lessees and lessors. For lessees, virtually all leases will be required to be recognized on the balance sheet by recording a right-of-use asset and lease liability. Subsequent accounting for leases varies depending on whether the lease is classified as an operating lease or a finance lease. - Accounting applied by a lessor is largely unchanged from that applied under previous guidance. - Requires additional qualitative and quantitative disclosures with the objective of enabling users of the financial statements to assess the amount, timing, and uncertainty of cash flows arising from leases. - Management adopted the guidance on January 1, 2019, and elected certain practical expedients offered by the FASB, including foregoing the restatement of comparative periods upon adoption. Management also excluded short-term leases from the recognition of right-of-use asset and lease liabilities. Additionally, Huntington elected the transition relief allowed by FASB in foregoing reassessment of the following: whether any existing contracts were or contained leases, the classification of existing leases, and the determination of initial direct costs for existing leases. - Huntington recognized right-of-use assets of approximately $200 million and lease liabilities of approximately $250 million upon adoption, representing substantially all of its operating lease commitments, with the difference attributable to transition adjustments required by ASC Topic 842 relating to previously recognized amounts for deferred rent and lease exit costs (recorded pursuant to ASC Topic 420). Right-of-use assets and lease liabilities were based, primarily, on the present value of unpaid future minimum lease payments. Additionally, the amounts were impacted by assumptions around renewals and/or extensions, and the interest rate used to discount those future lease obligations. Impact to the income statement was not material in the period of adoption. - Existing sale and leaseback guidance, including the detailed guidance applicable to sale-leasebacks of real estate, was replaced with a new model applicable to all assets, which will apply equally to both lessees and lessors. Under the ASU, if the transaction meets sale criteria, the seller-lessee will recognize the sale based on the new revenue recognition guidance (when control transfers to the buyer-lessor), derecognizing the asset sold and replacing it with a right-of-use asset and lease liability for the leaseback. If the transaction is at fair value, the seller-lessee shall recognize a gain or loss on sale at that time. - Costs related to exiting an operating lease before the end of its contractual term have been historically accounted for pursuant to ASC Topic 420, with the recognition of a liability measured at the present value of remaining lease payments reduced by any expected sublease income upon the exit of that space. ASC Topic 842 changes the accounting for such costs, with entities evaluating the impairment of right-of-use assets using the guidance in ASC Topic 360. Such an impairment analysis would occur once the entity commits to a plan to abandon the space, which may accelerate the timing of these costs. - The guidance defines initial direct costs as those that would not have been incurred if the lease had not been obtained. Certain incremental costs previously eligible for capitalization, such as internal overhead, will now be expensed. ASU 2017-04 - Simplifying the Test for Goodwill Impairment. Issued January 2017 - Simplifies the goodwill impairment test by eliminating Step 2 of the goodwill impairment process, which requires an entity to determine the implied fair value of its goodwill by assigning fair value to all its assets and liabilities. - Entities will instead recognize an impairment charge for the amount by which the carrying amount exceeds the reporting unit's fair value. - Entities will still have the option to perform the qualitative assessment for a reporting unit to determine if the quantitative impairment test is necessary. - Effective for annual and interim goodwill tests performed in fiscal years beginning after December 15, 2019. Early adoption is permitted. - The guidance was adopted in the current period and did not have an impact on Huntington's Consolidated Financial Statements. Standard Summary of guidance Effects on financial statements ASU 2018-16 - Derivatives and Hedging - Inclusion of SOFR as Benchmark Interest Rate for Hedge Accounting Purposes. Issued October 2018 - Permits use of the OIS rate based on SOFR as a U.S. benchmark interest rate for hedge accounting purposes under Topic 815 in addition to the U.S. Treasury, the LIBOR swap rate, the OIS rate based on the Fed Funds Effective Rate, and the SIFMA Municipal Swap Rate. - The guidance was adopted in the current period and did not have a material impact on Huntington's Consolidated Financial Statements. ASU 2018-20 - Narrow-Scope Improvements for Lessors Issued December 2018 - The ASU creates a lessor practical expedient applicable to sales and other similar taxes incurred in connection with a lease, and simplifies lessor accounting for lessor costs paid by the lessee. - Permits lessors, as an entity-wide accounting policy election, to present sales and other similar taxes that arise from a specific leasing transaction on a net basis. - Requires lessors to present lessor costs paid by the lessee directly to a third party on a net basis – regardless of whether the lessor knows, can determine or can reliably estimate those costs. - Requires lessors to present lessor costs paid by the lessee to the lessor (e.g. through direct reimbursement or as part of the fixed lease payments) on a gross basis - Huntington elected to present sales and other similar taxes that arise from specific leasing transactions, when paid by the lessee directly to a third party, on a net basis. - Management will present property taxes on a gross basis where such taxes are paid by Huntington and reimbursed by the lessee, and has assessed the impact of that change to Huntington’s consolidated financial statements. - Huntington adopted the guidance concurrent with the adoption of ASU 2016-02 on January 1, 2019. The ASU did not have a material impact on Huntington's Consolidated Financial Statements. ASU 2019-01 - Leases (ASC Topic 842): Codification Improvements Issued: March 2019 - Notes that lessors that are not manufacturers or dealers will apply the fair value exception in a manner similar to what they did prior to the implementation of ASC Topic 842. - Clarifies that lessors in the scope of ASC Topic 942 (Financial Services - Depository & Lending) must classify principal payments received from sales-type and direct financing leases in investing activities in the statement of cash flows. - Eliminates certain interim transition disclosure requirements related to the effect of an accounting change on certain interim period financial information. - The ASU relating to lessor accounting is effective for fiscal years beginning after December 15, 2019, and interim periods within those fiscal years. - Huntington adopted the guidance effective January 1, 2019. The ASU did not have a material impact on Huntington's Consolidated Financial Statements. Accounting standards yet to be adopted Standard Summary of guidance Effects on financial statements ASU 2016-13 - Financial Instruments - Credit Losses. Issued June 2016 - Eliminates the probable recognition threshold for credit losses on financial assets measured at amortized cost, replacing the current incurred loss framework with an expected credit loss model. - Requires those financial assets subject to the new guidance to be presented at the net amount expected to be collected (i.e., net of expected credit losses). - Measurement of expected credit losses should be based on relevant information including historical experience, current conditions, and reasonable and supportable forecasts that affect the collectibility of the reported amount. - The guidance will require additional quantitative and qualitative disclosures related to the credit risk inherent in Huntington’s portfolio and how management monitors the portfolio’s credit quality. - Effective for fiscal years beginning after December 15, 2019, including interim periods within those fiscal years. - Adoption will be applied through a cumulative-effect adjustment to retained earnings as of the beginning of the first reporting period in which the guidance is effective. - Management adopted the guidance on January 1, 2020 and implemented changes to relevant systems, processes, and controls where necessary. - Huntington has completed the process of developing credit models with model implementation and validation completed during the fourth quarter of 2019. In addition, management is in the final stages of implementing the accounting, reporting, and governance processes to comply with the new guidance. - Based on the portfolio composition as of December 31, 2019, the adoption of CECL resulted in an increase to our total ACL of approximately $393 million. The estimated ACL of $1,280 million as of January 1, 2020 represents an increase of approximately 44% from the 2019 year end ACL level of $887 million. The increase in the allowance is largely attributable to the consumer portfolio, given the longer asset duration associated with many of these products, and the use of multiple economic scenarios when determining the Bank’s economic forecast. - The ASU eliminates the current accounting model for purchased-credit-impaired loans, but requires an allowance to be recognized for purchased-credit-deteriorated (PCD) assets (those that have experienced more-than-insignificant deterioration in credit quality since origination). Huntington did not have any loans accounted for as PCD upon adoption. - At adoption, Huntington did not record an allowance with respect to HTM securities as the portfolio consists almost entirely of agency-backed securities that inherently have minimal nonpayment risk. ASU 2019-04 - Codification Improvements to Topic 326, Financial Instruments-Credit Losses, Topic 815, Derivatives and Hedging, and Topic 825, Financial Instruments Issued: April 2019 - Clarifies various implementation issues related to Recognition and Measurement of Financial Instruments (ASC Topic 825), Current Expected Credit Losses (ASC Topic 326) and Derivatives and Hedging (ASC Topic 815). - Provides additional implementation guidance on CECL issues that include, among others, (a) measurement of credit allowance on accrued interest; (b) treatment of credit allowance upon transfers between classifications or categories for loans and debt securities; (c) inclusion of recoveries in determining credit allowance amounts; (d) using projections of rate change for variable rate instruments; (e) vintage disclosures for lines-of-credit; (f) contractual extensions and renewals; (g) consideration of prepayments in calculating effective interest rate; and (h) consideration of costs to sell if the entity intends to sell the collateral when foreclosure is probable. - Clarifies for Topic 815, among others, that (a) only interest rate risk may be hedged in a partial-term fair value hedge; (b) amortization of fair value basis adjustment may begin before the fair value hedge is discontinued; (c) hedged AFS securities should be disclosed at amortized cost for disclosures related to hedged assets; and (d) contractually specified interest rate should be considered when applying hypothetical derivative method while assessing hedge effectiveness. - Clarifies among others, that (a) using observable price under measurement alternative provided by ASC Topic 321 is a non-recurring fair value measurement and entities should adhere to non-recurring fair value disclosure requirements of Topic 820; and (b) equity securities without readily determinable fair value accounted for under measurement alternative should be remeasured using historical exchange rates. - Effective dates and transition requirements for amendments related to CECL (ASC Topic 326) are the same as effective dates and transition requirements for ASU 2016-13. - Amendments related to Derivatives and Hedging (ASC Topic 815) are effective as of the beginning of first annual period after the issuance date of this Update (ASU 2019-04). Earlier adoption is permitted, including adoption on any date on or after the issuance of this Update. - Amendment related to Recognition and Measurement of Financial Instruments (ASC Topic 825) should be applied on a modified-retrospective basis effective for fiscal years, including interim period within those fiscal years, beginning after December 15, 2019. Earlier adoption is permitted. - Amendments in this Update are not expected to have a material impact on Huntington's Consolidated Financial Statements. ASU 2019-05 - Financial Instruments - Credit Losses (Topic 326): Targeted Transition Relief Issued: May 2019 - Provides entities that have certain instruments within the scope of ASC Subtopic 326-20 with an option to irrevocably elect fair value option, applied on instrument-by-instrument basis. The fair value option does not apply to held-to-maturity debt securities. - The effective date is the same as the effective date of ASU 2016-13. - The ASU did not have a material impact on Huntington's Consolidated Financial Statements. ASU 2019-08 - Compensation - Codification Improvements - Share-based Consideration Payable to a Customer Issued: November 2019 - The ASU requires that an entity measure and classify share-based payment awards granted to a customer by applying the guidance in Topic 718. - The amount of share-based payment awards should be recorded as a reduction of the transaction price and is required to be measured on the basis of grant-date fair value of the share-based payment awards in accordance with Topic 718. - The classification and subsequent measurement of the award are subject to the guidance in Topic 718 unless the share-based payment award is subsequently modified and the grantee is no longer a customer. - The Update is effective in fiscal years beginning after December 15, 2019, and interim periods within those fiscal years. - The Update is not expected to have a material impact on Huntington’s Consolidated Financial Statements. ASU 2019-11 - Financial Instruments - Credit Losses (Topic 326): Codification Improvements to Topic 326 Issued: November 2019 - The ASU clarifies or addresses stakeholders’ specific issues related to ASU 2016-13 as described below: - Clarifies that the allowance for purchased financial assets with credit deterioration should include expected recoveries. If a method other than a discounted cash flow method is used to calculate allowance, expected recoveries should not result in an acceleration of the noncredit discount. - Provides transition relief by permitting entities an accounting policy election to adjust the effective interest rate on existing TDRs using prepayment assumptions on the date of adoption of Topic 326 rather than the prepayment assumptions in effect immediately before the restructuring. - Extends the disclosure relief for accrued interest receivable balances to additional relevant disclosures involving amortized cost basis. - Clarifies that an entity should assess whether it reasonably expects the borrower will be able to continually replenish collateral securing the financial asset to apply the practical expedient related to collateral maintenance provision. - The effective dates for the Update is the same as the effective dates of ASU 2016-13. The ASU was applied on a modified-retrospective basis. - The Update did not have a material impact on Huntington's Consolidated Financial Statements. ASU 2019-12 - Income Taxes (Topic 740): Simplifying the Accounting for Income Taxes Issued: December 2019 - This Update simplifies the accounting for income taxes by removing exceptions to the: (a) Incremental approach for intraperiod tax allocation when there is a loss from continuing operations and income or a gain from other items; (b) Requirement to recognize a deferred tax liability for equity method investments when a foreign subsidiary becomes an equity method investment; (c) Ability not to recognize a deferred tax liability for a foreign subsidiary when a foreign equity method investment becomes a subsidiary; and (d) General methodology for calculating income taxes in an interim period when a year-to-date loss exceeds the anticipated loss for the year. - This Update also simplifies various other aspects of the accounting for income taxes. - This Update is effective for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2020. - Early adoption of the ASU is permitted, including adoption in any interim period for which financial statements have not yet been issued. An entity that elects to early adopt in an interim period should reflect any adjustments as of the beginning of the annual period that includes that interim period. - The Update is not expected to have a material impact on Huntington's Consolidated Financial Statements.

LOANS AND LEASES AND ALLOWANCE

LOANS AND LEASES AND ALLOWANCE FOR CREDIT LOSSES	12 Months Ended
	Dec. 31, 2019
Receivables [Abstract]
LOANS AND LEASES AND ALLOWANCE FOR CREDIT LOSSES	LOANS / LEASES AND ALLOWANCE FOR CREDIT LOSSES Loans and leases which Huntington has the intent and ability to hold for the foreseeable future, or until maturity or payoff, are classified in the Consolidated Balance Sheets as loans and leases. The total balance of unamortized premiums, discounts, fees, and costs, recognized as part of loans and leases, was a net premium of $525 million and $428 million at December 31, 2019 and 2018 , respectively. Loan and Lease Portfolio Composition The following table provides a detailed listing of Huntington’s loan and lease portfolio at December 31, 2019 and December 31, 2018 . At December 31, (dollar amounts in millions) 2019 2018 Loans and leases: Commercial and industrial $ 30,664 $ 30,605 Commercial real estate 6,674 6,842 Automobile 12,797 12,429 Home equity 9,093 9,722 Residential mortgage 11,376 10,728 RV and marine 3,563 3,254 Other consumer 1,237 1,320 Loans and leases 75,404 74,900 Allowance for loan and lease losses (783 ) (772 ) Net loans and leases $ 74,621 $ 74,128 Equipment Leases Huntington leases equipment to customers, and substantially all such arrangements are classified as either sales-type or direct financing leases, which are included in C&I loans. These leases are reported at the aggregate of lease payments receivable and estimated residual values, net of unearned and deferred income, and any initial direct costs incurred to originate these leases. Renewal options for leases are at the option of the lessee, and are not included in the measurement of lease receivables as they are not considered reasonably certain of exercise. Purchase options are typically at fair value, and as such those options are not considered in the measurement of lease receivables or in lease classification. For leased equipment, the residual component of a direct financing lease represents the estimated fair value of the leased equipment at the end of the lease term. Huntington uses industry data, historical experience, and independent appraisals to establish these residual value estimates. Additional information regarding product life cycle, product upgrades, as well as insight into competing products are obtained through relationships with industry contacts and are factored into residual value estimates where applicable. Upon expiration of a lease, residual assets are remarketed, resulting in an extension of the lease by the lessee, a lease to a new customer, or purchase of the residual asset by the lessee or another party. Huntington also purchases insurance guaranteeing the value of certain residual assets. The following table presents net investments in lease financing receivables by category at December 31, 2019 and 2018 : At December 31, (dollar amounts in millions) 2019 2018 Commercial and industrial: Lease payments receivable $ 1,841 $ 1,747 Estimated residual value of leased assets 728 726 Gross investment in commercial and industrial lease financing receivables 2,569 2,473 Deferred origination costs 19 20 Deferred fees (249 ) (250 ) Total net investment in commercial and industrial lease financing receivables $ 2,339 $ 2,243 The carrying value of residual values guaranteed was $95 million as of December 31, 2019 . The future lease rental payments due from customers on sales-type and direct financing leases at December 31, 2019 , totaled $1.8 billion and were due as follows: $0.7 billion in 2020 , $0.4 billion in 2021 , $0.3 billion in 2022 , $0.2 billion in 2023 , $0.1 billion in 2024 , and $0.1 billion thereafter. Interest income recognized for these types of leases was $108 million and $100 million for the years ended December 31, 2019 and December 31, 2018 , respectively. Nonaccrual and Past Due Loans The following table presents NALs by loan class at December 31, 2019 and 2018 : December 31, (dollar amounts in millions) 2019 2018 Commercial and industrial $ 323 $ 188 Commercial real estate 10 15 Automobile 4 5 Home equity 59 62 Residential mortgage 71 69 RV and marine 1 1 Other consumer — — Total nonaccrual loans $ 468 $ 340 The amount of interest that would have been recorded under the original terms for total NAL loans was $26 million , $22 million , and $21 million for 2019 , 2018 , and 2017 , respectively. The total amount of interest recorded to interest income for NAL loans was $9 million , $12 million , and $18 million in 2019 , 2018 , and 2017 , respectively. The following table presents an aging analysis of loans and leases, including past due loans and leases, by loan class at December 31, 2019 and 2018 : December 31, 2019 Past Due (1) Loans Accounted for Under FVO Total Loans 90 or (dollar amounts in millions) 30-59 60-89 90 or Total Current Commercial and industrial $ 65 $ 31 $ 69 $ 165 $ 30,499 $ — $ 30,664 $ 11 (2) Commercial real estate 3 1 7 11 6,663 — 6,674 — Automobile 95 19 11 125 12,672 — 12,797 8 Home equity 50 19 51 120 8,972 1 9,093 14 Residential mortgage 103 49 170 322 10,974 80 11,376 129 (3) RV and marine 13 4 2 19 3,544 — 3,563 2 Other consumer 13 6 7 26 1,211 — 1,237 7 Total loans and leases $ 342 $ 129 $ 317 $ 788 $ 74,535 $ 81 $ 75,404 $ 171 December 31, 2018 Past Due (1) Loans Accounted for Under FVO Total Loans 90 or (dollar amounts in millions) 30-59 60-89 90 or Total Current Commercial and industrial $ 72 $ 17 $ 51 $ 140 $ 30,465 $ — $ 30,605 $ 7 (2) Commercial real estate 10 — 5 15 6,827 — 6,842 — Automobile 95 19 10 124 12,305 — 12,429 8 Home equity 51 21 56 128 9,593 1 9,722 17 Residential mortgage 108 47 168 323 10,327 78 10,728 131 (3) RV and marine 12 3 2 17 3,237 — 3,254 1 Other consumer 14 7 6 27 1,293 — 1,320 6 Total loans and leases $ 362 $ 114 $ 298 $ 774 $ 74,047 $ 79 $ 74,900 $ 170 (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. Allowance for Credit Losses The following table presents ALLL and AULC activity by portfolio segment for the years ended December 31, 2019 , 2018 , and 2017 : (dollar amounts in millions) Commercial Consumer Total Year ended December 31, 2019: ALLL balance, beginning of period $ 542 $ 230 $ 772 Loan charge-offs (165 ) (197 ) (362 ) Recoveries of loans previously charged-off 40 57 97 Provision for loan and lease losses 135 142 277 Allowance for loans sold or transferred to loans held for sale — (1 ) (1 ) ALLL balance, end of period $ 552 $ 231 $ 783 AULC balance, beginning of period $ 94 $ 2 $ 96 Provision (reduction in allowance) for unfunded loan commitments and letters of credit 10 — 10 Unfunded commitment losses (2 ) — (2 ) AULC balance, end of period $ 102 $ 2 $ 104 ACL balance, end of period $ 654 $ 233 $ 887 Year ended December 31, 2018: ALLL balance, beginning of period $ 482 $ 209 $ 691 Loan charge-offs (79 ) (189 ) (268 ) Recoveries of loans previously charged-off 65 58 123 Provision for loan and lease losses 74 152 226 ALLL balance, end of period $ 542 $ 230 $ 772 AULC balance, beginning of period $ 84 $ 3 $ 87 Provision (reduction in allowance) for unfunded loan commitments and letters of credit 10 (1 ) 9 AULC balance, end of period $ 94 $ 2 $ 96 ACL balance, end of period $ 636 $ 232 $ 868 Year ended December 31, 2017: ALLL balance, beginning of period $ 451 $ 187 $ 638 Loan charge-offs (72 ) (180 ) (252 ) Recoveries of loans previously charged-off 41 52 93 Provision for loan and lease losses 62 150 212 ALLL balance, end of period $ 482 $ 209 $ 691 AULC balance, beginning of period $ 87 $ 11 $ 98 Provision (reduction in allowance) for unfunded loan commitments and letters of credit (3 ) (8 ) (11 ) AULC balance, end of period $ 84 $ 3 $ 87 ACL balance, end of period $ 566 $ 212 $ 778 Credit Quality Indicators To facilitate the monitoring of credit quality for commercial loans, and for purposes of determining an appropriate ACL level for these loans, Huntington utilizes the following internally defined categories of credit grades: • Pass - Higher quality loans that do not fit any of the other categories described below. • OLEM - The credit risk may be relatively minor yet represents a risk given certain specific circumstances. If the potential weaknesses are not monitored or mitigated, the loan may weaken or the collateral may be inadequate to protect Huntington’s position in the future. For these reasons, Huntington considers the loans to be potential problem loans. • Substandard - Inadequately protected loans resulting from the borrower’s ability to repay, equity, and/or the collateral pledged to secure the loan. These loans have identified weaknesses that could hinder normal repayment or collection of the debt. It is likely Huntington will sustain some loss if any identified weaknesses are not mitigated. • Doubtful - Loans that have all of the weaknesses inherent in those loans classified as Substandard, with the added elements of the full collection of the loan is improbable and that the possibility of loss is high. Loans are generally assigned a category of “Pass” rating upon initial approval and subsequently updated as appropriate based on the borrower’s financial performance. Commercial loans categorized as OLEM, Substandard, or Doubtful are considered Criticized loans. Commercial loans categorized as Substandard or Doubtful are both considered Classified loans. For all classes within the consumer loan portfolios, loans are assigned pool level PD factors based on the FICO range within which the borrower’s most recent credit bureau score falls. A credit bureau score is a credit score developed by FICO based on data provided by the credit bureaus. The credit bureau score is widely accepted as the standard measure of consumer credit risk used by lenders, regulators, rating agencies, and consumers. The higher the credit bureau score, the higher likelihood of repayment and therefore, an indicator of higher credit quality. Huntington assesses the risk in the loan portfolio by utilizing numerous risk characteristics. The classifications described above, and also presented in the table below, represent one of those characteristics that are closely monitored in the overall credit risk management processes. The following tables present each loan and lease class by credit quality indicator at December 31, 2019 and 2018 : December 31, 2019 Credit Risk Profile by UCS Classification (dollar amounts in millions) Pass OLEM Substandard Doubtful Total Commercial and industrial $ 28,477 $ 634 $ 1,551 $ 2 $ 30,664 Commercial real estate 6,487 98 88 1 6,674 Credit Risk Profile by FICO Score (1), (2) 750+ 650-749 <650 Other (3) Total Automobile 6,759 4,661 1,377 — 12,797 Home equity 5,763 2,772 557 — 9,092 Residential mortgage 7,976 2,742 578 — 11,296 RV and marine 2,391 1,053 119 — 3,563 Other consumer 546 571 120 — 1,237 December 31, 2018 Credit Risk Profile by UCS Classification (dollar amounts in millions) Pass OLEM Substandard Doubtful Total Commercial and industrial $ 28,807 $ 518 $ 1,269 $ 11 $ 30,605 Commercial real estate 6,586 181 74 1 6,842 Credit Risk Profile by FICO Score (1), (2) 750+ 650-749 <650 Other (3) Total Automobile 6,254 4,520 1,373 282 12,429 Home equity 6,098 2,975 591 56 9,720 Residential mortgage 7,159 2,801 612 78 10,650 RV and marine 2,074 990 105 85 3,254 Other consumer 501 633 129 57 1,320 (1) Excludes loans accounted for under the fair value option. (2) Reflects updated customer credit scores. (3) As of December 31, 2019, amounts previously reported in Other were identified and aligned with the appropriate loan balance classification. Amounts as of December 31, 2018, reflects deferred fees and costs, loans in process, etc. Impaired Loans The following tables present the balance of the ALLL attributable to loans by portfolio segment individually and collectively evaluated for impairment and the related loan and lease balance for the years ended December 31, 2019 and 2018 : (dollar amounts in millions) Commercial Consumer Total ALLL at December 31, 2019 Portion of ALLL balance: Attributable to loans individually evaluated for impairment $ 61 $ 8 $ 69 Attributable to loans collectively evaluated for impairment 491 223 714 Total ALLL balance $ 552 $ 231 $ 783 Loan and Lease Ending Balances at December 31, 2019 (1) Portion of loan and lease ending balances: Individually evaluated for impairment $ 600 $ 574 $ 1,174 Collectively evaluated for impairment 36,738 37,411 74,149 Total loans and leases evaluated for impairment $ 37,338 $ 37,985 $ 75,323 (1) Excludes loans accounted for under the fair value option. (dollar amounts in millions) Commercial Consumer Total ALLL at December 31, 2018 Portion of ALLL balance: Attributable to loans individually evaluated for impairment $ 33 $ 10 $ 43 Attributable to loans collectively evaluated for impairment 509 220 729 Total ALLL balance: $ 542 $ 230 $ 772 Loan and Lease Ending Balances at December 31, 2018 (1) Portion of loan and lease ending balances: Individually evaluated for impairment $ 516 $ 591 $ 1,107 Collectively evaluated for impairment 36,931 36,783 73,714 Total loans and leases evaluated for impairment $ 37,447 $ 37,374 $ 74,821 (1) Excludes loans accounted for under the fair value option. The following tables present by class the ending balance, unpaid principal balance, and the related ALLL, along with the average balance and interest income recognized for impaired loans and leases for the years ended December 31, 2019 and 2018 (1): Year Ended December 31, 2019 December 31, 2019 (dollar amounts in millions) Ending Balance Unpaid Principal Balance (2) Related Allowance (3) Average Balance Interest Income Recognized With no related allowance recorded: Commercial and industrial $ 181 $ 215 $ — $ 204 $ 19 Commercial real estate 25 26 — 32 8 With an allowance recorded: Commercial and industrial 366 425 60 312 11 Commercial real estate 28 31 1 31 2 Automobile 43 46 2 40 3 Home equity 284 281 9 300 14 Residential mortgage 293 329 4 288 11 RV and marine 4 4 — 3 — Other consumer 11 11 2 10 — Total Commercial and industrial (4) 547 640 60 516 30 Commercial real estate (5) 53 57 1 63 10 Automobile (6) 43 46 2 40 3 Home equity (7) 284 281 9 300 14 Residential mortgage (7) 293 329 4 288 11 RV and marine (6) 4 4 — 3 — Other consumer (6) 11 11 2 10 — Year Ended December 31, 2018 December 31, 2018 (dollar amounts in millions) Ending Balance Unpaid Principal Balance (2) Related Allowance (3) Average Balance Interest Income Recognized With no related allowance recorded: Commercial and industrial $ 224 $ 261 $ — $ 256 $ 22 Commercial real estate 36 45 — 47 8 With an allowance recorded: Commercial and industrial 221 240 31 272 11 Commercial real estate 35 39 2 45 2 Automobile 38 42 2 37 2 Home equity 314 356 10 326 14 Residential mortgage 287 323 4 297 11 RV and marine 2 3 — 2 — Other consumer 9 9 3 8 — Total Commercial and industrial (4) 445 501 31 528 33 Commercial real estate (5) 71 84 2 92 10 Automobile (6) 38 42 2 37 2 Home equity (7) 314 356 10 326 14 Residential mortgage (7) 287 323 4 297 11 RV and marine (6) 2 3 — 2 — Other consumer (6) 9 9 3 8 — (1) These tables do not include loans fully charged-off. (2) The differences between the ending balance and unpaid principal balance amounts primarily represent partial charge-offs. (3) Impaired loans in the consumer portfolio are evaluated in pools and not at the loan level. Thus, these loans do not have an individually assigned allowance and as such are all classified as with an allowance in the tables above. (4) At December 31, 2019 and December 31, 2018 , C&I loans of $322 million and $366 million , respectively, were considered impaired due to their status as a TDR. (5) At December 31, 2019 and December 31, 2018 , CRE loans of $43 million and $60 million , respectively, were considered impaired due to their status as a TDR. (6) All automobile, RV and marine and other consumer impaired loans included in these tables are considered impaired due to their status as a TDR. (7) Includes home equity and residential mortgages considered impaired due to their non-accrual status and collateral dependent designation as well as home equity and mortgage loans considered impaired due to their status as a TDR. TDR Loans The amount of interest that would have been recorded under the original terms for total accruing TDR loans was $52 million , $51 million , and $49 million for 2019 , 2018 , and 2017 , respectively. The total amount of actual interest recorded to interest income for these loans was $49 million , $48 million , and $45 million for 2019 , 2018 , and 2017 , respectively. TDR Concession Types The Company’s standards relating to loan modifications consider, among other factors, minimum verified income requirements, cash flow analyses, and collateral valuations. Each potential loan modification is reviewed individually and the terms of the loan are modified to meet a borrower’s specific circumstances at a point in time. All commercial TDRs are reviewed and approved by our SAD. Following is a description of TDRs by the different loan types: Commercial loan TDRs – Our strategy involving commercial TDR borrowers includes working with these borrowers to allow them to refinance elsewhere, as well as allow them time to improve their financial position and remain a Huntington customer through refinancing their notes according to market terms and conditions in the future. A subsequent refinancing or modification of a loan may occur when either the loan matures according to the terms of the TDR-modified agreement or the borrower requests a change to the loan agreements. At that time, the loan is evaluated to determine if the borrower is creditworthy. It is subjected to the normal underwriting standards and processes for other similar credit extensions, both new and existing. The refinanced note is evaluated to determine if it is considered a new loan or a continuation of the prior loan. Consumer loan TDRs – Residential mortgage TDRs represent loan modifications associated with traditional first-lien mortgage loans in which a concession has been provided to the borrower. The primary concessions given to residential mortgage borrowers are amortization or maturity date changes and interest rate reductions. Residential mortgages identified as TDRs involve borrowers unable to refinance their mortgages through the Company’s normal mortgage origination channels or through other independent sources. Some, but not all, of the loans may be delinquent. The Company may make similar interest rate, term, and principal concessions for Automobile, Home Equity, RV and Marine and Other Consumer loan TDRs. TDR Impact on Credit Quality Huntington’s ALLL is largely determined by risk ratings assigned to commercial loans, updated borrower credit scores on consumer loans, and borrower delinquency history in both the commercial and consumer portfolios. These risk ratings and credit scores consider the default history of the borrower, including payment redefaults. As such, the provision for credit losses is impacted primarily by changes in borrower payment performance rather than the TDR classification. TDRs can be classified as either accrual or nonaccrual loans. Nonaccrual TDRs are included in NALs whereas accruing TDRs are excluded from NALs as it is probable that all contractual principal and interest due under the restructured terms will be collected. The Company’s TDRs may include multiple concessions and the disclosure classifications are presented based on the primary concession provided to the borrower. The majority of the concessions for the C&I and CRE portfolios are the extension of the maturity date, but could also include an interest rate concession. In these instances, the primary concession is the maturity date extension. The following table presents, by class and modification type, the number of contracts, post-modification outstanding balance, and the financial effects of the modification for the years ended December 31, 2019 and 2018 . New Troubled Debt Restructurings (1) Year Ended December 31, 2019 Number of Post-modification Outstanding Recorded Investment (2) (dollar amounts in millions) Interest rate reduction Amortization or maturity date change Chapter 7 bankruptcy Other Total Commercial and industrial 482 $ — $ 172 $ — $ 7 $ 179 Commercial real estate 29 — 13 — — 13 Automobile 2,971 — 19 7 — 26 Home equity 306 — 9 8 — 17 Residential mortgage 330 — 35 2 — 37 RV and marine 139 — 1 2 — 3 Other consumer 972 8 — — — 8 Total new TDRs 5,229 $ 8 $ 249 $ 19 $ 7 $ 283 Year Ended December 31, 2018 Number of Post-modification Outstanding Recorded Investment (2) (dollar amounts in millions) Interest rate reduction Amortization or maturity date change Chapter 7 bankruptcy Other Total Commercial and industrial 725 $ — $ 352 $ — $ — $ 352 Commercial real estate 102 — 82 — — 82 Automobile 2,867 — 15 8 — 23 Home equity 602 — 25 11 — 36 Residential mortgage 345 — 34 3 — 37 RV and marine 117 — — 1 — 1 Other consumer 1,633 8 — — — 8 Total new TDRs 6,391 $ 8 $ 508 $ 23 $ — $ 539 (1) TDRs may include multiple concessions. The disclosure classification is based on the primary concession provided to the borrower. (2) Post-modification balances approximate pre-modification balances. The aggregate amount of charge-offs as a result of a restructuring are not significant. The financial effects of modification represent the impact on the provision (recovery) for loan and lease losses. Amounts for the years ended December 31, 2019 and December 31, 2018 were $(2) million and $(15) million , respectively. Pledged Loans and Leases The Bank has access to the Federal Reserve’s discount window and advances from the FHLB. As of December 31, 2019 and 2018 , these borrowings and advances are secured by $39.6 billion and $46.5 billion , respectively, of loans and securities.

INVESTMENT SECURITIES AND OTHER

INVESTMENT SECURITIES AND OTHER SECURITIES	12 Months Ended
	Dec. 31, 2019
Investments, Debt and Equity Securities [Abstract]
Investment Securities Disclosure [Text Block]	The following tables provide amortized cost, fair value, and gross unrealized gains and losses by investment category at December 31, 2019 and 2018 : Unrealized (dollar amounts in millions) Amortized Cost Gross Gains Gross Losses Fair Value December 31, 2019 Available-for-sale securities: U.S. Treasury $ 10 $ — $ — $ 10 Federal agencies: Residential CMO 5,055 48 (18 ) 5,085 Residential MBS 4,180 45 (3 ) 4,222 Commercial MBS 979 1 (4 ) 976 Other agencies 165 1 (1 ) 165 Total U.S. Treasury, federal agency and other agency securities 10,389 95 (26 ) 10,458 Municipal securities 3,044 34 (23 ) 3,055 Private-label CMO 2 — — 2 Asset-backed securities 575 6 (2 ) 579 Corporate debt 49 2 — 51 Other securities/Sovereign debt 4 — — 4 Total available-for-sale securities $ 14,063 $ 137 $ (51 ) $ 14,149 Held-to-maturity securities: Federal agencies: Residential CMO $ 2,351 $ 33 $ (3 ) $ 2,381 Residential MBS 2,463 50 — 2,513 Commercial MBS 3,959 34 — 3,993 Other agencies 293 2 — 295 Total federal agency and other agency securities 9,066 119 (3 ) 9,182 Municipal securities 4 — — 4 Total held-to-maturity securities $ 9,070 $ 119 $ (3 ) $ 9,186 Other securities, at cost: Non-marketable equity securities: Federal Home Loan Bank stock $ 90 $ — $ — $ 90 Federal Reserve Bank stock 297 — — 297 Other securities, at fair value Mutual funds 53 — — 53 Marketable equity securities 1 — — 1 Total other securities $ 441 $ — $ — $ 441 Unrealized (dollar amounts in millions) Amortized Gross Gross Fair Value December 31, 2018 Available-for-sale securities: U.S. Treasury $ 5 $ — $ — $ 5 Federal agencies: Residential CMO 7,185 15 (201 ) 6,999 Residential MBS 1,261 9 (15 ) 1,255 Commercial MBS 1,641 — (58 ) 1,583 Other agencies 128 — (2 ) 126 Total U.S. Treasury, federal agency and other agency securities 10,220 24 (276 ) 9,968 Municipal securities 3,512 6 (78 ) 3,440 Asset-backed securities 318 1 (4 ) 315 Corporate debt 54 — (1 ) 53 Other securities/Sovereign debt 4 — — 4 Total available-for-sale securities $ 14,108 $ 31 $ (359 ) $ 13,780 Held-to-maturity securities: Federal agencies: Residential CMO $ 2,124 $ — $ (47 ) $ 2,077 Residential MBS 1,851 2 (42 ) 1,811 Commercial MBS 4,235 — (186 ) 4,049 Other agencies 350 — (6 ) 344 Total federal agency and other agency securities 8,560 2 (281 ) 8,281 Municipal securities 5 — — 5 Total held-to-maturity securities $ 8,565 $ 2 $ (281 ) $ 8,286 Other securities, at cost: Non-marketable equity securities: Federal Home Loan Bank stock $ 248 $ — $ — $ 248 Federal Reserve Bank stock 295 — — 295 Other securities, at fair value Mutual funds 20 — — 20 Marketable equity securities 1 1 — 2 Total other securities $ 564 $ 1 $ — $ 565 The following table provides the amortized cost and fair value of securities by contractual maturity at December 31, 2019 and 2018 . Expected maturities may differ from contractual maturities as issuers may have the right to call or prepay obligations with or without incurring penalties. 2019 2018 (dollar amounts in millions) Amortized Cost Fair Value Amortized Cost Fair Value Available-for-sale securities: Under 1 year $ 231 $ 229 $ 186 $ 185 After 1 year through 5 years 1,196 1,189 1,057 1,039 After 5 years through 10 years 1,594 1,606 1,838 1,802 After 10 years 11,042 11,125 11,027 10,754 Total available-for-sale securities $ 14,063 $ 14,149 $ 14,108 $ 13,780 Held-to-maturity securities: Under 1 year $ — $ — $ — $ — After 1 year through 5 years 17 17 11 11 After 5 years through 10 years 300 305 362 356 After 10 years 8,753 8,864 8,192 7,919 Total held-to-maturity securities $ 9,070 $ 9,186 $ 8,565 $ 8,286 The following tables provide detail on investment securities with unrealized losses aggregated by investment category and the length of time the individual securities have been in a continuous loss position at December 31, 2019 and 2018 : Less than 12 Months Over 12 Months Total (dollar amounts in millions) Fair Gross Unrealized Fair Gross Unrealized Fair Gross Unrealized December 31, 2019 Available-for-sale securities: Federal agencies: Residential CMO $ 1,206 $ (10 ) $ 519 $ (8 ) $ 1,725 $ (18 ) Residential MBS 1,169 (3 ) 9 — 1,178 (3 ) Commercial MBS 472 (2 ) 272 (2 ) 744 (4 ) Other agencies 86 (1 ) — — 86 (1 ) Total federal agency and other agency securities 2,933 (16 ) 800 (10 ) 3,733 (26 ) Municipal securities 273 (4 ) 1,204 (19 ) 1,477 (23 ) Asset-backed securities 116 (1 ) 37 (1 ) 153 (2 ) Corporate debt 1 — — — 1 — Total temporarily impaired securities $ 3,323 $ (21 ) $ 2,041 $ (30 ) $ 5,364 $ (51 ) Held-to-maturity securities: Federal agencies: Residential CMO $ 218 $ (1 ) $ 112 $ (2 ) $ 330 $ (3 ) Residential MBS 317 — — — 317 — Commercial MBS 81 — — — 81 — Other agencies 58 — — — 58 — Total federal agency and other agency securities 674 (1 ) 112 (2 ) 786 (3 ) Municipal securities 4 — — — 4 — Total temporarily impaired securities $ 678 $ (1 ) $ 112 $ (2 ) $ 790 $ (3 ) Less than 12 Months Over 12 Months Total (dollar amounts in millions) Fair Gross Unrealized Fair Gross Unrealized Fair Gross Unrealized December 31, 2018 Available-for-sale securities: Federal agencies: Residential CMO $ 425 $ (3 ) $ 5,943 $ (198 ) $ 6,368 $ (201 ) Residential MBS 259 (6 ) 319 (9 ) 578 (15 ) Commercial MBS 10 — 1,573 (58 ) 1,583 (58 ) Other agencies — — 124 (2 ) 124 (2 ) Total federal agency and other agency securities 694 (9 ) 7,959 (267 ) 8,653 (276 ) Municipal securities 1,425 (24 ) 1,602 (54 ) 3,027 (78 ) Asset-backed securities 95 (2 ) 117 (2 ) 212 (4 ) Corporate debt 40 — 1 (1 ) 41 (1 ) Total temporarily impaired securities $ 2,254 $ (35 ) $ 9,679 $ (324 ) $ 11,933 $ (359 ) Held-to-maturity securities: Federal agencies: Residential CMO $ 12 $ — $ 2,004 $ (47 ) $ 2,016 $ (47 ) Residential MBS 16 — 1,457 (42 ) 1,473 (42 ) Commercial MBS — — 4,041 (186 ) 4,041 (186 ) Other agencies 113 (2 ) 205 (4 ) 318 (6 ) Total federal agency and other agency securities 141 (2 ) 7,707 (279 ) 7,848 (281 ) Municipal securities — — 4 — 4 — Total temporarily impaired securities $ 141 $ (2 ) $ 7,711 $ (279 ) $ 7,852 $ (281 ) At December 31, 2019 and December 31, 2018 , the market value of investment securities pledged to secure public and trust deposits, trading account liabilities, U.S. Treasury demand notes, and security repurchase agreements totaled $3.8 billion and $4.5 billion , respectively. There were no securities of a single issuer, which were not governmental or government-sponsored, that exceeded 10% of shareholders’ equity at either December 31, 2019 or December 31, 2018 . The following table is a summary of realized securities gains and losses for the years ended December 31, 2019 , 2018 , and 2017 : Year Ended December 31, (dollar amounts in millions) 2019 2018 2017 Gross gains on sales of securities $ 11 $ 7 $ 10 Gross losses on sales of securities (35 ) (28 ) (10 ) Net gain (loss) on sales of securities $ (24 ) $ (21 ) $ — OTTI recognized in earnings — — (4 ) Net securities (losses) $ (24 ) $ (21 ) $ (4 ) Security Impairment Huntington evaluates the securities portfolio for impairment on a quarterly basis. As of December 31, 2019 and December 31, 2018 , the Company has evaluated available-for-sale and held-to-maturity securities which have gross unrealized losses for impairment and concluded less than $1 million and no OTTI was required, respectively. Other securities that are carried at cost are reviewed for impairment on a quarterly basis, with valuation adjustments recognized in other noninterest income. As of December 31, 2019 and December 31, 2018 , the Company concluded no

MORTGAGE LOAN SALES AND SERVICI

MORTGAGE LOAN SALES AND SERVICING RIGHTS	12 Months Ended
	Dec. 31, 2019
Transfers and Servicing [Abstract]
MORTGAGE LOAN SALES AND SERVICING RIGHTS	Residential Mortgage Portfolio The following table summarizes activity relating to residential mortgage loans sold with servicing retained for the years ended December 31, 2019 , 2018 , and 2017 : Year Ended December 31, (dollar amounts in millions) 2019 2018 2017 Residential mortgage loans sold with servicing retained $ 4,841 $ 3,846 $ 3,985 Pretax gains resulting from above loan sales (1) 119 87 99 (1) Recorded in mortgage banking income. The following table summarizes the changes in MSRs recorded using the amortization method for the years ended December 31, 2019 and 2018 : (dollar amounts in millions) 2019 2018 Carrying value, beginning of year $ 211 $ 191 New servicing assets created 52 44 Impairment (charge) recovery (14 ) 6 Amortization and other (44 ) (30 ) Carrying value, end of year $ 205 $ 211 Fair value, end of year $ 206 $ 212 Weighted-average life (years) 6.4 6.7 MSRs do not trade in an active, open market with readily observable prices. Therefore, the fair value of MSRs is estimated using a discounted future cash flow model. Changes in the assumptions used may have a significant impact on the valuation of MSRs. MSR values are highly sensitive to movement in interest rates as expected future net servicing income depends on the projected outstanding principal balances of the underlying loans, which can be greatly impacted by the level of prepayments. For MSRs under the amortization method, a summary of key assumptions and the sensitivity of the MSR value to changes in these assumptions at December 31, 2019 , and 2018 follows: December 31, 2019 December 31, 2018 Decline in fair value due to Decline in fair value due to (dollar amounts in millions) Actual 10% adverse change 20% adverse change Actual 10% adverse change 20% adverse change Constant prepayment rate (annualized) 12.20 % $ (8 ) $ (16 ) 9.40 % $ (6 ) $ (12 ) Spread over forward interest rate swap rates 855 bps (6 ) (12 ) 934 bps (7 ) (13 ) Additionally, Huntington held MSRs recorded using the fair value method of $7 million and $10 million at December 31, 2019 and 2018 , respectively. The change in fair value representing time decay, payoffs and changes in valuation inputs and assumptions for the years ended December 31, 2019 and 2018 was $3 million and $1 million , respectively. Total servicing, late and other ancillary fees included in mortgage banking income was $63 million , $60 million , and $56 million for the years ended December 31, 2019 , 2018 , and 2017 , respectively. The unpaid principal balance of residential mortgage loans serviced for third parties was $22.4 billion , $21.0 billion , and $19.8 billion at December 31, 2019 , 2018 , and 2017 , respectively.

GOODWILL AND OTHER INTANGIBLE A

GOODWILL AND OTHER INTANGIBLE ASSETS	12 Months Ended
	Dec. 31, 2019
Goodwill and Intangible Assets Disclosure [Abstract]
GOODWILL AND OTHER INTANGIBLE ASSETS	GOODWILL AND OTHER INTANGIBLE ASSETS Business segments are based on segment leadership structure, which reflects how segment performance is monitored and assessed. We have four major business segments: Consumer and Business Banking , Commercial Banking , Vehicle Finance , and Regional Banking and The Huntington Private Client Group (RBHPCG) . The Treasury / Other function includes technology and operations, other unallocated assets, liabilities, revenue, and expense. A rollforward of goodwill by business segment for the years ended December 31, 2019 and 2018 , is presented in the table below: Consumer & Business Commercial Vehicle Treasury/ Huntington (dollar amounts in millions) Banking Banking Finance RBHPCG Other Consolidated Balance, January 1, 2018 $ 1,398 $ 425 $ — $ 170 $ — $ 1,993 Goodwill acquired during the period — 1 — — — 1 Adjustments (5 ) — — — — (5 ) Balance, December 31, 2018 1,393 426 — 170 — 1,989 Goodwill acquired during the period — — — — — — Adjustments — 1 — — — 1 Balance, December 31, 2019 $ 1,393 $ 427 $ — $ 170 $ — $ 1,990 On October 1, 2018, Huntington completed its acquisition of HSE. As part of the transaction, Huntington recorded $1 million of goodwill, which was subsequently adjusted during the measurement period. During the fourth quarter of 2018, Huntington reclassified $5 million of goodwill in the Consumer & Business Banking segment related to the held for sale disposal group. Goodwill is not amortized but is evaluated for impairment on an annual basis at October 1 of each year or whenever events or changes in circumstances indicate the carrying value may not be recoverable. No impairment was recorded in 2019 or 2018 . At December 31, 2019 and 2018 , Huntington’s other intangible assets consisted of the following: (dollar amounts in millions) Gross Accumulated Net December 31, 2019 Core deposit intangible $ 310 $ (120 ) $ 190 Customer relationship 115 (73 ) 42 Total other intangible assets $ 425 $ (193 ) $ 232 December 31, 2018 Core deposit intangible $ 314 $ (93 ) $ 221 Customer relationship 182 (122 ) 60 Total other intangible assets $ 496 $ (215 ) $ 281 The estimated amortization expense of other intangible assets for the next five years is as follows: (dollar amounts in millions) Amortization Expense 2020 $ 41 2021 38 2022 36 2023 34 2024 32

OPERATING LEASES Leases (Notes)

OPERATING LEASES Leases (Notes)	12 Months Ended
	Dec. 31, 2019
Leases [Abstract]
Lessee, Operating Leases [Text Block]	OPERATING LEASES At December 31, 2019 , Huntington was obligated under noncancelable leases for branch and office space. These leases are all classified as operating due to the amount of time such spaces are occupied relative to the underlying assets useful lives. Many of these leases contain renewal options, most of which are not included in measurement of the right-of-use asset as they are not considered reasonably certain of exercise (i.e., Huntington does not currently have a significant economic incentive to exercise these options). Some leases contain escalation clauses calling for rentals to be adjusted for increased real estate taxes and other operating expenses or proportionately adjusted for increases in the consumer or other price indices. Occasionally, Huntington will sublease the land and buildings for which it has obtained the right to use; substantially all of those sublease arrangements are classified as operating, with sublease income recognized on a straight-line basis over the contractual term of the arrangement. Huntington has elected not to include non-lease components in the measurement of right-of-use assets, and as such allocates the costs attributable to such components, where those costs are not separately identifiable, via per-square-foot costing analysis developed by the entity for owned and leased spaces. Huntington uses a portfolio approach to develop discount rates as its lease portfolio is comprised of substantially all branch space and office space used in the entity’s operations. That rate, an input used in the measurement of the entity’s right-of-use assets, leverages an incremental borrowing rate of appropriate tenor and collateralization. Net lease assets and liabilities at December 31, 2019 are as follows: (dollar amounts in millions) Classification December 31, 2019 Assets Operating lease assets Other assets $ 210 Liabilities Lease liabilities Other liabilities $ 233 Net lease cost for the year ended December 31, 2019 are as follows: (dollar amounts in millions) Classification Year Ended Operating lease cost Net occupancy $ 47 Short-term lease cost Net occupancy 1 Sublease income Net occupancy (3 ) Net lease cost $ 45 Maturity of lease liabilities at December 31, 2019 are as follows: (dollar amounts in millions) Total 2020 $ 48 2021 43 2022 38 2023 33 2024 28 Thereafter 86 Total lease payments $ 276 Less: Interest (43 ) Total lease liabilities $ 233 Lease term and discount rate as of December 31, 2019 are as follows: December 31, 2019 Weighted-average remaining lease term (years) for Operating leases 7.31 Weighted-average discount rate for Operating leases 4.56 % Cash flow supplemental information at December 31, 2019 are as follows: (dollar amounts in millions) Year Ended Cash paid for amounts included in the measurement of lease liabilities for Operating cash flows $ (54 ) Right-of-use assets obtained in exchange for lease obligations for Operating leases 40

PREMISES AND EQUIPMENT

PREMISES AND EQUIPMENT	12 Months Ended
	Dec. 31, 2019
Property, Plant and Equipment [Abstract]
PREMISES AND EQUIPMENT	PREMISES AND EQUIPMENT Premises and equipment were comprised of the following at December 31, 2019 and 2018 : At December 31, (dollar amounts in millions) 2019 2018 Land and land improvements $ 189 $ 188 Buildings 587 579 Leasehold improvements 205 199 Equipment 742 739 Total premises and equipment 1,723 1,705 Less accumulated depreciation and amortization (960 ) (915 ) Net premises and equipment $ 763 $ 790 Depreciation and amortization charged to expense and rental income credited to net occupancy expense for the three years ended December 31, 2019 , 2018 , and 2017 were: (dollar amounts in millions) 2019 2018 2017 Total depreciation and amortization of premises and equipment $ 116 $ 130 $ 123 Rental income credited to occupancy expense 11 13 14

SHORT-TERM BORROWINGS

SHORT-TERM BORROWINGS	12 Months Ended
	Dec. 31, 2019
Debt Disclosure [Abstract]
SHORT-TERM BORROWINGS	SHORT-TERM BORROWINGS Borrowings with original maturities of one year or less are classified as short-term and were comprised of the following at December 31, 2019 and 2018 : At December 31, (dollar amounts in millions) 2019 2018 Federal funds purchased and securities sold under agreements to repurchase $ 1,041 $ 2,004 Federal Home Loan Bank advances 1,500 — Other borrowings 65 13 Total short-term borrowings $ 2,606 $ 2,017

LONG-TERM DEBT

LONG-TERM DEBT	12 Months Ended
	Dec. 31, 2019
Debt Instruments [Abstract]
LONG-TERM DEBT	LONG-TERM DEBT Huntington’s long-term debt consisted of the following: At December 31, (dollar amounts in millions) 2019 2018 The Parent Company: Senior Notes: 3.19% Huntington Bancshares Incorporated medium-term notes due 2021 $ 993 $ 969 2.33% Huntington Bancshares Incorporated senior notes due 2022 972 946 2.67% Huntington Bancshares Incorporated senior notes due 2024 798 — 4.05% Huntington Bancshares Incorporated senior notes due 2025 528 507 Subordinated Notes: 7.00% Huntington Bancshares Incorporated subordinated notes due 2020 305 305 3.55% Huntington Bancshares Incorporated subordinated notes due 2023 247 239 Sky Financial Capital Trust IV 3.31% junior subordinated debentures due 2036 (1) 74 74 Sky Financial Capital Trust III 3.31% junior subordinated debentures due 2036 (1) 72 72 Huntington Capital I Trust Preferred 2.61% junior subordinated debentures due 2027 (2) 70 69 Huntington Capital II Trust Preferred 2.53% junior subordinated debentures due 2028 (3) 32 31 Camco Financial Statutory Trust I 3.24% due 2037 (4) 4 4 Total notes issued by the parent 4,095 3,216 The Bank: Senior Notes: 3.60% Huntington National Bank senior notes due 2023 778 756 3.33% Huntington National Bank senior notes due 2021 759 750 2.47% Huntington National Bank senior notes due 2020 699 692 2.55% Huntington National Bank senior notes due 2022 691 672 3.16% Huntington National Bank senior notes due 2022 507 — 2.43% Huntington National Bank senior notes due 2020 500 493 2.97% Huntington National Bank senior notes due 2020 499 491 2.42% Huntington National Bank senior notes due 2020 (5) 300 300 2.46% Huntington National Bank senior notes due 2021 (6) 299 — 2.23% Huntington National Bank senior notes due 2019 — 498 Subordinated Notes: 3.86% Huntington National Bank subordinated notes due 2026 231 229 5.45% Huntington National Bank subordinated notes due 2019 — 76 Total notes issued by the bank 5,263 4,957 FHLB Advances: 3.01% weighted average rate, varying maturities greater than one year 5 6 Other: Huntington Technology Finance nonrecourse debt, 4.08% weighted average interest rate, varying maturities 312 322 3.79% Huntington Preferred Capital II - Class F securities (7) 74 74 3.79% Huntington Preferred Capital II - Class G securities (7) 50 50 3.91% Huntington Preferred Capital II - Class I securities (8) 50 — Total other 486 446 Total long-term debt $ 9,849 $ 8,625 (1) Variable effective rate at December 31, 2019 , based on three-month LIBOR + 1.40% . (2) Variable effective rate at December 31, 2019 , based on three-month LIBOR + 0.70% (3) Variable effective rate at December 31, 2019 , based on three-month LIBOR + 0.625% . (4) Variable effective rate at December 31, 2019 , based on three-month LIBOR + 1.33% . (5) Variable effective rate at December 31, 2019 , based on three-month LIBOR + 0.51% (6) Variable effective rate at December 31, 2019 , based on three-month LIBOR + 0.55% . (7) Variable effective rate at December 31, 2019 , based on three-month LIBOR + 1.88% . (8) Variable effective rate at December 31, 2019 , based on three-month LIBOR + 2.00% . Amounts above are net of unamortized discounts and adjustments related to hedging with derivative financial instruments. We use interest rate swaps to hedge interest rate risk of certain fixed-rate debt by converting the debt to a variable rate. See Note 19 - “ Derivative Financial Instruments “ for more information regarding such financial instruments. The following table presents senior notes issued during 2019: Date of Issuance Issuer Amount % of face value Interest Rate Term Maturity January 2019 Bank $ 300 million 100 % three-month LIBOR + 0.55% variable February 5, 2021 February 2019 Bank 500 million 99.909 3.125 fixed April 1, 2022 August 2019 Parent 800 million 99.781 2.625 fixed August 6, 2024 Long-term debt maturities for the next five years and thereafter are as follows: (dollar amounts in millions) 2020 2021 2022 2023 2024 Thereafter Total The Parent Company: Senior notes $ — $ 1,000 $ 1,000 $ — $ 800 $ 500 $ 3,300 Subordinated notes 300 — — 250 — 253 803 The Bank: Senior notes 2,000 1,050 1,200 750 — — 5,000 Subordinated notes — — — — — 250 250 FHLB Advances 2 — 1 1 — 1 5 Other 105 61 95 123 101 1 486 Total $ 2,407 $ 2,111 $ 2,296 $ 1,124 $ 901 $ 1,005 $ 9,844 These maturities are based upon the par values of the long-term debt. The terms of certain long-term debt obligations contain various restrictive covenants including limitations on the acquisition of additional debt, dividend payments, and the disposition of subsidiaries. As of December 31, 2019 , Huntington was in compliance with all such covenants.

OTHER COMPREHENSIVE INCOME

OTHER COMPREHENSIVE INCOME	12 Months Ended
	Dec. 31, 2019
Equity [Abstract]
OTHER COMPREHENSIVE INCOME	OTHER COMPREHENSIVE INCOME The components of Huntington’s OCI in the three years ended December 31, 2019 , 2018 , and 2017 , were as follows: 2019 Tax (expense) (dollar amounts in millions) Pretax Benefit After-tax Unrealized holding gains (losses) on available-for-sale securities arising during the period $ 403 $ (89 ) $ 314 Less: Reclassification adjustment for realized net losses (gains) included in net income 26 (5 ) 21 Net change in unrealized holding gains (losses) on available-for-sale securities 429 (94 ) 335 Net change in fair value on cash flow hedges 26 (3 ) 23 Net change in pension and other post-retirement obligations (7 ) 2 (5 ) Total other comprehensive income (loss) $ 448 $ (95 ) $ 353 2018 Tax (expense) (dollar amounts in millions) Pretax Benefit After-tax Unrealized holding gains (losses) on available-for-sale securities arising during the period $ (151 ) $ 35 $ (116 ) Less: Reclassification adjustment for realized net losses (gains) included in net income 41 (9 ) 32 Net change in unrealized holding gains (losses) on available-for-sale securities (110 ) 26 (84 ) Net change in pension and other post-retirement obligations 4 — 4 Total other comprehensive income (loss) $ (106 ) $ 26 $ (80 ) 2017 Tax (expense) (dollar amounts in millions) Pretax Benefit After-tax Noncredit-related impairment recoveries (losses) on debt securities not expected to be sold $ 4 $ (2 ) $ 2 Unrealized holding gains (losses) on available-for-sale debt securities arising during the period (87 ) 31 (56 ) Less: Reclassification adjustment for net gains (losses) included in net income 26 (9 ) 17 Net change in unrealized holding gains (losses) on available-for-sale debt securities (57 ) 20 (37 ) Net change in unrealized holding gains (losses) on available-for-sale equity securities 1 (1 ) — Unrealized gains and losses on derivatives used in cash flow hedging relationships arising during the period 3 (1 ) 2 Less: Reclassification adjustment for net losses (gains) losses included in net income 1 — 1 Net change in unrealized gains (losses) on derivatives used in cash flow hedging relationships 4 (1 ) 3 Net change in pension and post-retirement obligations — — — Total other comprehensive income (loss) $ (52 ) $ 18 $ (34 ) Activity in accumulated OCI for the two years ended December 31, 2019 and 2018 were as follows: (dollar amounts in millions) Unrealized gains (losses) on debt securities (1) Change in fair value related to cash flow hedges Unrealized gains (losses) for pension and other post-retirement obligations Total December 31, 2017 $ (278 ) $ — $ (250 ) $ (528 ) Cumulative-effect adjustments (ASU 2016-01) (1 ) (1 ) Other comprehensive income before reclassifications (116 ) — — (116 ) Amounts reclassified from accumulated OCI to earnings 32 — 4 36 Period change (84 ) — 4 (80 ) December 31, 2018 (363 ) — (246 ) (609 ) Other comprehensive income before reclassifications 314 23 — 337 Amounts reclassified from accumulated OCI to earnings 21 — (5 ) 16 Period change 335 23 (5 ) 353 December 31, 2019 $ (28 ) $ 23 $ (251 ) $ (256 ) (1) AOCI amounts at December 31, 2019 , 2018 , and 2017 include $121 million , $137 million , and $95 million , respectively, net of unrealized losses on securities transferred from the available-for-sale securities portfolio to the held-to-maturity securities portfolio. The net unrealized losses will be recognized in earnings over the remaining life of the security using the effective interest method.

SHAREHOLDERS' EQUITY

SHAREHOLDERS' EQUITY	12 Months Ended
	Dec. 31, 2019
Stockholders' Equity Note [Abstract]
SHAREHOLDERS' EQUITY	SHAREHOLDERS’ EQUITY The following is a summary of Huntington’s non-cumulative, non-voting, perpetual preferred stock outstanding as of December 31, 2019 . (dollar amounts in millions, share amounts in thousands) Series Issuance Date Total Shares Outstanding Carrying Amount Dividend Rate Earliest Redemption Date Series B 12/28/2011 35,500 $ 23 3-mo. LIBOR + 270 bps 1/15/2017 Series D 3/21/2016 400,000 386 6.25 % 7/15/2021 Series D 5/5/2016 200,000 199 6.25 7/15/2021 Series C 8/16/2016 100,000 100 5.875 1/15/2022 Series E 2/27/2018 5,000 495 5.70 4/15/2023 Total 740,500 $ 1,203 Series B, D, and C of preferred stock has a liquidation value and redemption price per share of $1,000 , plus any declared and unpaid dividends. Series E preferred stock has a liquidation value and redemption price per share of $100,000 , plus any declared and unpaid dividends. All preferred stock has no stated maturity and redemption is solely at the option of the Company. Under current rules, any redemption of the preferred stock is subject to prior approval of the FRB.

EARNINGS PER SHARE

EARNINGS PER SHARE	12 Months Ended
	Dec. 31, 2019
Earnings Per Share [Abstract]
EARNINGS PER SHARE	EARNINGS PER SHARE Basic earnings per common 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 common 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, distributions from deferred compensation plans, and the conversion of the Company’s convertible preferred stock. Potentially dilutive common shares are excluded from the computation of diluted earnings per share in periods in which the effect would be antidilutive. The 2018 and 2017 total diluted average common shares issued and outstanding was impacted by using the if-converted method. The calculation of basic and diluted earnings per share for each of the three years ended December 31 was as follows: Year Ended December 31, (amounts in millions, except per share data, share count in thousands) 2019 2018 2017 Basic earnings per common share: Net income $ 1,411 $ 1,393 $ 1,186 Preferred stock dividends (74 ) (70 ) (76 ) Net income available to common shareholders $ 1,337 $ 1,323 $ 1,110 Average common shares issued and outstanding 1,038,840 1,081,542 1,084,686 Basic earnings per common share $ 1.29 $ 1.22 $ 1.02 Diluted earnings per common share: Net income available to common shareholders $ 1,337 $ 1,323 $ 1,110 Effect of assumed preferred stock conversion — — 31 Net income applicable to diluted earnings per share $ 1,337 $ 1,323 $ 1,141 Average common shares issued and outstanding 1,038,840 1,081,542 1,084,686 Dilutive potential common shares Stock options and restricted stock units and awards 12,994 16,529 17,883 Shares held in deferred compensation plans 4,245 3,511 3,160 Dilutive impact of Preferred Stock — 4,403 30,330 Other — — 127 Dilutive potential common shares 17,239 24,443 51,500 Total diluted average common shares issued and outstanding 1,056,079 1,105,985 1,136,186 Diluted earnings per common share $ 1.27 $ 1.20 $ 1.00 Anti-dilutive awards (1) 5,253 2,307 1,009 (1) Reflects the total number of shares related to outstanding options that have been excluded from the computation of diluted earnings per share because the impact would have been anti-dilutive.

NONINTEREST INCOME

NONINTEREST INCOME	12 Months Ended
	Dec. 31, 2019
Revenue from Contract with Customer [Abstract]
NONINTEREST INCOME	NONINTEREST INCOME Huntington earns a variety of revenue including interest and fees from customers as well as revenues from non-customers. Certain sources of revenue are recognized within interest or fee income and are outside of the scope of ASC Topic 606, Revenue from Contracts with Customers (“ASC 606”). Other sources of revenue fall within the scope of ASC 606 and are generally recognized within noninterest income. These revenues are included within various sections of the Consolidated Financial Statements. The following table shows Huntington’s total noninterest income segregated between contracts with customers within the scope of ASC 606 and those within the scope of other GAAP Topics. (dollar amounts in millions) Year Ended Year Ended December 31, 2018 Noninterest income Noninterest income from contracts with customers $ 939 $ 881 Noninterest income within the scope of other GAAP topics 515 440 Total noninterest income $ 1,454 $ 1,321 The following table illustrates the disaggregation by operating segment and major revenue stream and reconciles disaggregated revenue to segment revenue presented in Note 24 - “ Segment Reporting ”: Year Ended December 31, 2019 (dollar amounts in millions) Consumer & Business Banking Commercial Banking Vehicle Finance RBHPCG Treasury / Other Huntington Consolidated Major Revenue Streams Service charges on deposit accounts $ 297 $ 64 $ 7 $ 4 $ — $ 372 Card and payment processing income 218 15 — — — 233 Trust and investment management services 34 4 — 139 1 178 Insurance income 34 6 — 47 1 88 Other noninterest income 32 24 4 6 2 68 Net revenue from contracts with customers $ 615 $ 113 $ 11 $ 196 $ 4 $ 939 Noninterest income within the scope of other GAAP topics 210 246 1 2 56 515 Total noninterest income $ 825 $ 359 $ 12 $ 198 $ 60 $ 1,454 Year Ended December 31, 2018 (dollar amounts in millions) Consumer & Business Banking Commercial Banking Vehicle Finance RBHPCG Treasury / Other Huntington Consolidated Major Revenue Streams Service charges on deposit accounts $ 290 $ 64 $ 5 $ 4 $ — $ 363 Card and payment processing income 198 11 — — — 209 Trust and investment management services 28 4 — 139 — 171 Insurance income 34 5 — 41 2 82 Other noninterest income 38 6 3 8 1 56 Net revenue from contracts with customers $ 588 $ 90 $ 8 $ 192 $ 3 $ 881 Noninterest income within the scope of other GAAP topics 156 231 3 1 49 440 Total noninterest income $ 744 $ 321 $ 11 $ 193 $ 52 $ 1,321 Huntington generally provides services for customers in which it acts as principal. Payment terms and conditions vary amongst services and customers, and thus impact the timing and amount of revenue recognition. Some fees may be paid before any service is rendered and accordingly, such fees are deferred until the obligations pertaining to those fees are satisfied. Most Huntington contracts with customers are cancelable by either party without penalty or they are short-term in nature, with a contract duration of less than one year. Accordingly, most revenue deferred for the reporting period ended December 31, 2019 is expected to be earned within one year. Huntington does not have significant balances of contract assets or contract liabilities and any change in those balances during the reporting period ended December 31, 2019 was determined to be immaterial.

SHARE-BASED COMPENSATION

SHARE-BASED COMPENSATION	12 Months Ended
	Dec. 31, 2019
Share-based Payment Arrangement [Abstract]
SHARE-BASED COMPENSATION	Huntington sponsors nonqualified and incentive share based compensation plans. These plans provide for the granting of stock options, restricted stock awards, restricted stock units, performance share units and other awards to officers, directors, and other employees. Compensation costs are included in personnel costs on the Consolidated Statements of Income. Huntington issues shares to fulfill stock option exercises and restricted stock unit and award vesting from available authorized common shares. At December 31, 2019 , Huntington believes there are adequate authorized common shares to satisfy anticipated stock option exercises and restricted stock unit award vesting in 2020 . The following table presents total share-based compensation expense and related tax benefit for the three years ended December 31, 2019 , 2018 , and 2017 : (dollar amounts in millions) 2019 2018 2017 Share-based compensation expense $ 83 $ 78 $ 92 Tax benefit 15 14 32 2018 Long-Term Incentive Plan In 2018, shareholders approved the Huntington Bancshares Incorporated 2018 Long-Term Incentive Plan (the 2018 Plan). Shares remaining under the 2015 Long-Term Incentive Plan have been incorporated into the 2018 Plan. Accordingly, the total number of shares authorized for awards under the 2018 Plan is 33 million shares. At December 31, 2019 , 17 million shares from the Plan were available for future grants. Stock Options Stock options are granted at the closing market price on the date of the grant. Options granted typically vest ratably over four years or when other conditions are met. Stock options, which represented a portion of the grant values, have no intrinsic value until the stock price increases. Options granted on or after May 1, 2015 have a contractual term of ten years . All options granted on or before April 30, 2015 have a contractual term of seven years . Huntington uses the Black-Scholes option pricing model to value options in determining the share-based compensation expense. Forfeitures are estimated at the date of grant based on historical rates, and updated as necessary, and reduce the compensation expense recognized. The risk-free interest rate is based on the U.S. Treasury yield curve in effect at the date of grant. The expected dividend yield is based on the dividend rate and stock price at the date of the grant. Expected volatility is based on the estimated volatility of Huntington’s stock over the expected term of the option. The following table presents the weighted average assumptions used in the option pricing model at the grant date for options granted in the three years ended December 31, 2019 , 2018 , and 2017 : Assumptions 2019 2018 2017 Risk-free interest rate 2.41 % 2.88 % 2.04 % Expected dividend yield 4.36 3.71 3.31 Expected volatility of Huntington’s common stock 22.5 24.0 29.5 Expected option term (years) 6.5 6.5 6.5 Weighted-average grant date fair value per share $ 1.91 $ 2.58 $ 2.81 Huntington’s stock option activity and related information for the year ended December 31, 2019 , was as follows: (dollar amounts in millions, except per share and options amounts in thousands) Options Weighted- Weighted-Average Contractual Life (Years) Aggregate Outstanding at January 1, 2019 10,617 $ 10.64 Granted 3,211 13.77 Exercised (2,440 ) 7.28 Forfeited/expired (79 ) 14.08 Outstanding at December 31, 2019 11,309 $ 12.23 6.7 $ 32 Expected to vest (1) 5,955 $ 13.77 8.6 $ 8 Exercisable at December 31, 2019 5,195 $ 10.42 4.5 $ 24 (1) The number of options expected to vest reflect an estimate of 159,000 shares expected to be forfeited. The aggregate intrinsic value represents the amount by which the fair value of underlying stock exceeds the “in-the-money” option exercise price. The total intrinsic value of options exercised for the years ended December 31, 2019 , 2018 , and 2017 were $16 million , $52 million and $16 million , respectively. For the years ended December 31, 2019 , 2018 , and 2017 , cash received for the exercises of stock options was $2 million , $5 million and $11 million , respectively. The tax benefit realized for the tax deductions from option exercises totaled $3 million , $10 million and $5 million in 2019 , 2018 , and 2017 , respectively. Other Restricted Stock Awards Huntington also grants restricted stock awards, restricted stock units, performance share units, and other stock-based awards. These awards are granted at the closing market price on the date of the grant. Restricted stock units and awards are issued at no cost to the recipient, and can be settled only in shares at the end of the vesting period. Restricted stock awards provide the holder with full voting rights and cash dividends during the vesting period. Restricted stock units do not provide the holder with voting rights or cash dividends during the vesting period, but do accrue a dividend equivalent that is paid upon vesting, and are subject to certain service restrictions. Performance share units are payable contingent upon Huntington achieving certain predefined performance objectives over the three -year measurement period. The fair value of these awards reflects the closing market price of Huntington’s common stock on the grant date. The following table summarizes the status of Huntington’s restricted stock awards, units, and performance share units as of December 31, 2019 , and activity for the year ended December 31, 2019 : Restricted Stock Awards Restricted Stock Units Performance Share Units (amounts in thousands, except per share amounts) Quantity Weighted- Average Grant Date Fair Value Per Share Quantity Weighted- Average Grant Date Fair Value Per Share Quantity Weighted- Average Grant Date Fair Value Per Share Nonvested at January 1, 2019 201 $ 9.68 15,480 $ 12.51 2,958 $ 11.75 Granted — — 5,581 13.93 680 13.77 Vested (199 ) 9.68 (5,267 ) 11.17 (854 ) 10.07 Forfeited (2 ) 9.68 (505 ) 13.47 (15 ) 14.30 Nonvested at December 31, 2019 — $ — 15,289 $ 13.42 2,769 $ 13.49 The weighted-average fair value at grant date of nonvested shares granted for the years ended December 31, 2019 , 2018 , and 2017 were $13.91 , $14.98 , and $11.13 , respectively. The total fair value of awards vested during the years ended December 31, 2019 , 2018 , and 2017 was $69 million , $62 million , and $53 million , respectively. As of December 31, 2019 , the total unrecognized compensation cost related to nonvested shares was $97 million with a weighted-average expense recognition period of 2.4 years .

BENEFIT PLANS

BENEFIT PLANS	12 Months Ended
	Dec. 31, 2019
Retirement Benefits [Abstract]
BENEFIT PLANS	BENEFIT PLANS Huntington sponsors a non-contributory defined benefit pension plan covering substantially all employees hired or rehired prior to January 1, 2010. The plan, which was modified in 2013, no longer accrues service benefits to participants and provides benefits based upon length of service and compensation levels. Huntington’s funding policy is to contribute an annual amount that is at least equal to the minimum funding requirements but not more than the amount deductible under the Internal Revenue Code. There were no required minimum contributions during 2019. The following table shows the weighted-average assumptions used to determine the benefit obligation at December 31, 2019 and 2018 , and the net periodic benefit cost for the years then ended: Pension Benefits 2019 2018 Weighted-average assumptions used to determine benefit obligations Discount rate 3.40 % 4.41 % Weighted-average assumptions used to determine net periodic benefit cost Discount rate 4.41 3.73 Expected return on plan assets 5.25 5.75 The expected long-term rate of return on plan assets is an assumption reflecting the average rate of earnings expected on the funds invested or to be invested to provide for the benefits included in the projected benefit obligation. The expected long-term rate of return is established at the beginning of the plan year based upon historical returns and projected returns on the underlying mix of invested assets. The following table reconciles the beginning and ending balances of the benefit obligation of the Plan with the amounts recognized in the consolidated balance sheets at December 31: Pension Benefits (dollar amounts in millions) 2019 2018 Projected benefit obligation at beginning of measurement year $ 821 $ 900 Changes due to: Service cost 2 3 Interest cost 32 29 Benefits paid (29 ) (26 ) Settlements (14 ) (18 ) Actuarial assumptions and gains (losses) 111 (67 ) Total changes 102 (79 ) Projected benefit obligation at end of measurement year $ 923 $ 821 The following table reconciles the beginning and ending balances of the fair value of Plan assets at the December 31, 2019 and 2018 measurement dates: Pension Benefits (dollar amounts in millions) 2019 2018 Fair value of plan assets at beginning of measurement year $ 828 $ 903 Changes due to: Actual return on plan assets 145 (30 ) Settlements (13 ) (19 ) Benefits paid (29 ) (26 ) Total changes 103 (75 ) Fair value of plan assets at end of measurement year $ 931 $ 828 As of December 31, 2019 , the difference between the accumulated benefit obligation and the fair value of Huntington’s plan assets was $8 million and is recorded in other assets. The following table shows the components of net periodic benefit costs recognized in the three years ended December 31, 2019 , 2018 and 2017 : Pension Benefits (1) (dollar amounts in millions) 2019 2018 2017 Service cost $ 2 $ 3 $ 3 Interest cost 32 29 30 Expected return on plan assets (44 ) (49 ) (55 ) Amortization of loss 6 9 7 Settlements 5 7 11 Benefit costs $ 1 $ (1 ) $ (4 ) (1) The pension costs for 2019 and 2018 were recorded in noninterest income - other income. For 2017 the costs were recorded in noninterest expense - personnel costs, in the Consolidated Statements of Income. Included in benefit costs above are $3 million , $2 million , and $2 million of plan expenses that were recognized in each of the three years ended December 31, 2019 , 2018 , and 2017 . It is Huntington’s policy to recognize settlement gains and losses as incurred. Assuming no cash contributions are made to the Plan during 2020 , Huntington expects net periodic pension benefit, excluding any expense of settlements, to approximate $4 million for 2020 . At December 31, 2019 and 2018 , The Huntington National Bank, as trustee, held all Plan assets. The Plan assets consisted of investments in a variety of corporate and government fixed income investments, money market funds, and mutual funds as follows: Fair Value (dollar amounts in millions) 2019 2018 Cash equivalents: Mutual funds-money market $ 7 1 % $ 4 — % U.S. Treasury bills — — 4 1 Fixed income: Corporate obligations 460 49 272 33 U.S. Government obligations 199 21 298 36 Municipal obligations 5 1 — — U.S. Government agencies — — 22 3 Collective trust funds 105 11 — — Equities: Mutual funds-equities 78 8 64 8 Common stock 53 6 98 12 Preferred stock 5 1 5 1 Exchange traded funds — — 45 5 Limited Partnerships 19 2 16 1 Fair value of plan assets $ 931 100 % $ 828 100 % Investments of the Plan are accounted for at cost on the trade date and are reported at fair value. The valuation methodologies used to measure the fair value of pension plan assets vary depending on the type of asset. At December 31, 2019 , cash equivalent money market funds and U.S. Treasury bills are valued at the closing price reported from an actively traded exchange and are classified as Level 1. Mutual funds and exchange traded funds are valued at quoted market prices that represent the net asset value of shares held by the Plan at year-end. The mutual funds held by the Plan are actively traded and are classified as Level 1. Fixed income investments are valued using unadjusted quoted prices from active markets for similar assets are classified as Level 2. Common and preferred stock are valued using the year-end closing price as determined by a national securities exchange and are classified as Level 1. The investment in the limited partnerships is reported at net asset value per share as determined by the general partners of each limited partnership, based on their proportionate share of the partnership’s fair value as recorded in the partnership’s audited financial statements. The investment objective of the Plan is to maximize the return on Plan assets over a long-time period, while meeting the Plan obligations. At December 31, 2019 , Plan assets were invested 1% in cash equivalents, 17% in equity investments, and 82% in bonds, with an average duration of 15.9 years on bond investments. The estimated life of benefit obligations was 13.0 years . Although it may fluctuate with market conditions, Huntington has targeted a long-term allocation of Plan assets of 20% to 50% in equity investments and 80% to 50% in bond investments. The allocation of Plan assets between equity investments and fixed income investments will change from time to time. At December 31, 2019 , the following table shows when benefit payments were expected to be paid: (dollar amounts in millions) Pension Benefits 2020 $ 54 2021 52 2022 50 2023 49 2024 49 2025 through 2029 240 Huntington also sponsors an unfunded defined benefit post-retirement plan as well as other nonqualified retirement plans, the most significant being the SRIP and FirstMerit SERP. The SRIP and FirstMerit SERP plans provide certain former officers and directors, with defined pension benefits in excess of limits imposed by federal tax law. The following table presents the amounts recognized in the Consolidated Balance Sheets at December 31, 2019 and 2018 , for all defined benefit and nonqualified retirement plans: (dollar amounts in millions) 2019 2018 Other liabilities $ 67 $ 63 The following tables present the amounts recognized in OCI as of December 31, 2019 , 2018 , and 2017 , and the changes in accumulated OCI for the years ended December 31, 2019 , 2018 , and 2017 : (dollar amounts in millions) 2019 2018 2017 Net actuarial loss $ (261 ) $ (257 ) $ (264 ) Prior service cost 10 11 14 Defined benefit pension plans $ (251 ) $ (246 ) $ (250 ) 2019 (dollar amounts in millions) Pretax Tax (expense) Benefit After-tax Net actuarial (loss) gain: Amounts arising during the year $ (17 ) $ 5 $ (12 ) Amortization included in net periodic benefit costs 12 (3 ) 9 Prior service cost: Amounts arising during the year — — — Amortization included in net periodic benefit costs (2 ) — (2 ) Total recognized in OCI $ (7 ) $ 2 $ (5 ) 2018 (dollar amounts in millions) Pretax Tax (expense) Benefit After-tax Net actuarial (loss) gain: Amounts arising during the year $ (5 ) $ 2 $ (3 ) Amortization included in net periodic benefit costs 13 (3 ) 10 Prior service cost: Amortization included in net periodic benefit costs (4 ) 1 (3 ) Total recognized in OCI $ 4 $ — $ 4 2017 (dollar amounts in millions) Pretax Tax (expense) Benefit After-tax (1) Net actuarial (loss) gain: Amounts arising during the year $ (16 ) $ 6 $ (10 ) Amortization included in net periodic benefit costs 18 (7 ) 11 Prior service cost: Amortization included in net periodic benefit costs (2 ) 1 (1 ) Total recognized in OCI $ — $ — $ — (1) TCJA reclassification from AOCI to retained earnings recorded during 2017 was $45 million. Huntington has a defined contribution plan that is available to eligible employees. Huntington’s expense related to the defined contribution plans for the years ended December 31, 2019 , 2018 , and 2017 was $51 million , $46 million , and $35 million , respectively. The following table shows the number of shares, market value, and dividends received on shares of Huntington stock held by the defined contribution plan: December 31, (dollar amounts in millions, share amounts in thousands) 2019 2018 Shares in Huntington common stock 10,334 11,635 Market value of Huntington common stock $ 156 $ 139 Dividends received on shares of Huntington stock 6 6

INCOME TAXES

INCOME TAXES	12 Months Ended
	Dec. 31, 2019
Income Tax Disclosure [Abstract]
INCOME TAXES	INCOME TAXES The Company and its subsidiaries file income tax returns in the U.S. federal jurisdiction and various state, city, and foreign jurisdictions. Federal income tax audits have been completed for tax years through 2009. Certain proposed adjustments resulting from the IRS examination of our 2010 through 2011 tax returns have been settled, subject to final approval by the Joint Committee on Taxation of the U.S. Congress. While the statute of limitations remains open for tax years 2012 through 2018, the IRS has advised that tax years 2012 through 2014 will not be audited, and is currently examining the 2015 and 2016 federal income tax returns. Various state and other jurisdictions remain open to examination, including Ohio, Kentucky, Indiana, Michigan, Pennsylvania, West Virginia, and Illinois. Huntington accounts for uncertainties in income taxes in accordance with ASC 740, Income Taxes. Any interest and penalties on income tax assessments or income tax refunds are recognized in the Consolidated Statements of Income as a component of provision for income taxes. The amounts of unrecognized tax benefits and accrued tax-related interest and penalties were immaterial at December 31, 2019 and 2018. Further, the amount of net interest and penalties related to unrecognized tax benefits was immaterial for all periods presented. The following is a summary of the provision (benefit) for income taxes: Year Ended December 31, (dollar amounts in millions) 2019 2018 2017 Current tax provision (benefit) Federal $ 209 $ 152 $ 41 State 16 20 (1 ) Total current tax provision 225 172 40 Deferred tax provision (benefit) Federal 24 71 151 State (1 ) (8 ) 17 Total deferred tax provision 23 63 168 Provision for income taxes $ 248 $ 235 $ 208 The following is a reconciliation for provision for income taxes: Year Ended December 31, (dollar amounts in millions) 2019 2018 2017 Provision for income taxes computed at the statutory rate $ 348 $ 342 $ 488 Increases (decreases): General business credits (88 ) (80 ) (71 ) Capital loss (62 ) (60 ) (67 ) Tax-exempt income (21 ) (23 ) (31 ) Tax-exempt bank owned life insurance income (14 ) (14 ) (23 ) Stock based compensation (5 ) (14 ) (13 ) Affordable housing investment amortization, net of tax benefits 70 64 46 State income taxes, net 11 10 11 Impact from TCJA — (3 ) (123 ) Other 9 13 (9 ) Provision for income taxes $ 248 $ 235 $ 208 The significant components of deferred tax assets and liabilities at December 31, 2019 and 2018 were as follows: At December 31, (dollar amounts in millions) 2019 2018 Deferred tax assets: Allowances for credit losses $ 184 $ 184 Net operating and other loss carryforward 99 95 Fair value adjustments 77 173 Lease liability 47 — Purchase accounting and other intangibles 33 — Pension and other employee benefits 12 14 Accrued expense/prepaid 3 16 Partnership investments 3 5 Market discount 2 6 Other assets 3 6 Total deferred tax assets 463 499 Deferred tax liabilities: Lease financing 359 262 Loan origination costs 119 148 Operating assets 74 69 Right-of-use asset 41 — Mortgage servicing rights 36 45 Securities adjustments 11 6 Purchase accounting and other intangibles — 25 Other liabilities — 2 Total deferred tax liabilities 640 557 Net deferred tax (liability) asset before valuation allowance (177 ) (58 ) Valuation allowance (6 ) (6 ) Net deferred tax (liability) asset $ (183 ) $ (64 ) At December 31, 2019 , Huntington’s net deferred tax asset related to loss and other carryforwards was $99 million . This was comprised of federal net operating loss carryforwards of $44 million , which will begin expiring in 2029 , $40 million of state net operating loss carryforwards, which will begin expiring in 2020 , an alternative minimum tax credit carryforward of less than $1 million , which will be fully utilized or refunded by 2022 , and a capital loss carryforward of $15 million , which expires in 2022 . The state valuation allowance was $6 million at both December 31, 2019 and December 31, 2018 , as the Company believes that it is more likely than not, portions of the state deferred tax assets and state net operating loss carryforwards will not be realized. At December 31, 2019 , retained earnings included approximately $12 million of base year reserves of acquired thrift institutions, for which no deferred federal income tax liability has been recognized. Under current law, if these bad debt reserves are used for purposes other than to absorb bad debt losses, they will be subject to federal income tax at the corporate tax rate enacted at the time. The amount of unrecognized deferred tax liability relating to the cumulative bad debt deduction was approximately $3 million at December 31, 2019 .

FAIR VALUES OF ASSETS AND LIABI

FAIR VALUES OF ASSETS AND LIABILITIES	12 Months Ended
	Dec. 31, 2019
Fair Value Disclosures [Abstract]
FAIR VALUES OF ASSETS AND LIABILITIES	FAIR VALUES OF ASSETS AND LIABILITIES Following is a description of the valuation methodologies used for instruments measured at fair value, as well as the general classification of such instruments pursuant to the valuation hierarchy. Loans held for sale Huntington has elected to apply the fair value option for mortgage loans originated with the intent to sell which are included in loans held for sale. Mortgage loans held for sale are classified as Level 2 and are estimated using security prices for similar product types. Loans held for investment Certain mortgage loans originated with the intent to sell for which the FVO was elected have been reclassified to mortgage loans held for investment. These loans continue to be measured at fair value. The fair value is determined using fair value of similar mortgage-backed securities adjusted for loan specific variables. Huntington elected the fair value option for consumer loans with deteriorated credit quality acquired from FirstMerit. These consumer loans are classified as Level 3. The key assumption used to determine the fair value of the consumer loans is discounted cash flows. Available-for-sale securities and trading account securities Securities accounted for at fair value include both the available-for-sale and trading portfolios. Huntington determines the fair value of securities utilizing quoted market prices obtained for identical or similar assets, third-party pricing services, third-party valuation specialists and other observable inputs such as recent trade observations. AFS and trading securities classified as Level 1 use quoted market prices (unadjusted) in active markets for identical securities at the measurement date. Less than 1% of the positions in these portfolios are Level 1, and consist of U.S. Treasury securities and money market mutual funds. When quoted market prices are not available, fair values are classified as Level 2 using quoted prices for similar assets in active markets, quoted prices of identical or similar assets in markets that are not active, and inputs that are observable for the asset, either directly or indirectly, for substantially the full term of the financial instrument. Level 2 represents 78% of the positions in these portfolios, which consists of U.S. Government and agency debt securities, agency mortgage backed securities, private-label asset-backed securities, certain municipal securities and other securities. For Level 2 securities Huntington primarily uses prices obtained from third-party pricing services to determine the fair value of securities. Huntington independently evaluates and corroborates the fair value received from pricing services through various methods and techniques, including references to dealer or other market quotes, by reviewing valuations of comparable instruments, and by comparing the prices realized on the sale of similar securities. If relevant market prices are limited or unavailable, valuations may require significant management judgment or estimation to determine fair value, in which case the fair values are classified as Level 3, which represent 22% of the positions. The Level 3 positions predominantly consist of direct purchase municipal securities. A significant change in the unobservable inputs for these securities may result in a significant change in the ending fair value measurement of these securities. The direct purchase municipal securities are classified as Level 3 and require significant estimates to determine fair value which results in greater subjectivity. The fair value is determined by utilizing a discounted cash flow valuation technique employed by a third-party valuation specialist. The third-party specialist uses assumptions related to yield, prepayment speed, conditional default rates and loss severity based on certain factors such as, credit worthiness of the counterparty, prevailing market rates, and analysis of similar securities. Huntington evaluates the fair values provided by the third-party specialist for reasonableness. MSRs MSRs do not trade in an active, open market with readily observable prices. Accordingly, the fair value of these assets is classified as Level 3. Huntington determines the fair value of MSRs using a discounted cash flow model based upon the month-end interest rate curve and prepayment assumptions. The model utilizes assumptions to estimate future net servicing income cash flows, including estimates of time decay, payoffs, and changes in valuation inputs and assumptions. Servicing brokers and other sources of information (e.g. discussion with other mortgage servicers and industry surveys) are used to obtain information on market practice and assumptions. On at least a quarterly basis, third-party marks are obtained from at least one servicing broker. Huntington reviews the valuation assumptions against this market data for reasonableness and adjusts the assumptions if deemed appropriate. Any recommended change in assumptions and/or inputs are presented for review to the Mortgage Price Risk Subcommittee for final approval. Derivative assets and liabilities Derivatives classified as Level 2 consist of foreign exchange and commodity contracts, which are valued using exchange traded swaps and futures market data. In addition, Level 2 includes interest rate contracts, which are valued using a discounted cash flow method that incorporates current market interest rates. Level 2 also includes exchange traded options and forward commitments to deliver mortgage-backed securities, which are valued using quoted prices. Derivatives classified as Level 3 consist of interest rate lock agreements related to mortgage loan commitments and the Visa ® share swap. The determination of fair value of the interest rate locks includes assumptions related to the likelihood that a commitment will ultimately result in a closed loan, which is a significant unobservable assumption. A significant increase or decrease in the external market price would result in a significantly higher or lower fair value measurement. Assets and Liabilities measured at fair value on a recurring basis Assets and liabilities measured at fair value on a recurring basis at December 31, 2019 and 2018 are summarized below: Fair Value Measurements at Reporting Date Using Netting Adjustments (1) December 31, 2019 (dollar amounts in millions) Level 1 Level 2 Level 3 Assets Trading account securities: Federal agencies: Other agencies $ — $ 4 $ — $ — $ 4 Municipal securities — 63 — — 63 Other securities 30 2 — — 32 30 69 — — 99 Available-for-sale securities: U.S. Treasury securities 10 — — — 10 Residential CMOs — 5,085 — — 5,085 Residential MBS — 4,222 — — 4,222 Commercial MBS — 976 — — 976 Other agencies — 165 — — 165 Municipal securities — 56 2,999 — 3,055 Private-label CMO — — 2 — 2 Asset-backed securities — 531 48 — 579 Corporate debt — 51 — — 51 Other securities/Sovereign debt — 4 — — 4 10 11,090 3,049 — 14,149 Other securities 54 — — — 54 Loans held for sale — 781 — — 781 Loans held for investment — 55 26 — 81 MSRs — — 7 — 7 Derivative assets — 848 8 (404 ) 452 Liabilities Derivative liabilities — 519 2 (417 ) 104 Fair Value Measurements at Reporting Date Using Netting Adjustments (1) December 31, 2018 (dollar amounts in millions) Level 1 Level 2 Level 3 Assets Trading account securities: Municipal securities $ 1 $ 27 $ — $ — $ 28 Other securities 77 — — — 77 78 27 — — 105 Available-for-sale securities: U.S. Treasury securities 5 — — — 5 Residential CMOs — 6,999 — — 6,999 Residential MBS — 1,255 — — 1,255 Commercial MBS — 1,583 — — 1,583 Other agencies — 126 — — 126 Municipal securities — 275 3,165 — 3,440 Asset-backed securities — 315 — — 315 Corporate debt — 53 — — 53 Other securities/Sovereign debt — 4 — — 4 5 10,610 3,165 — 13,780 Other securities 22 — — — 22 Loans held for sale — 613 — — 613 Loans held for investment — 49 30 — 79 MSRs — — 10 — 10 Derivative assets 21 474 5 (291 ) 209 Liabilities Derivative liabilities 11 390 3 (217 ) 187 (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 tables below present a rollforward of the balance sheet amounts for the years ended December 31, 2019 , 2018 , and 2017 for financial instruments measured 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 (dollar amounts in millions) MSRs Derivative instruments Municipal securities Private- Asset- backed securities Loans held for investment Opening balance $ 10 $ 2 $ 3,165 $ — $ 30 Transfers out of Level 3 (1) — (62 ) — — — Total gains/losses for the period: Included in earnings (3 ) 66 (1 ) — 1 Included in OCI — — 77 — — Purchases/originations — — 254 2 55 — Sales — — — — — Repayments — — — — (5 ) Settlements — — (496 ) (7 ) — Closing balance $ 7 $ 6 $ 2,999 $ 2 $ 48 $ 26 Change in unrealized gains or losses for the period included in earnings for assets held at end of the reporting date $ (3 ) $ 3 $ — $ — $ — $ — Change in unrealized gains or losses for the period included in other comprehensive income for assets held at the end of the reporting period $ — $ — $ 74 $ — $ — $ — Level 3 Fair Value Measurements Available-for-sale securities Loans held for investment (dollar amounts in millions) MSRs Derivative instruments Municipal securities Asset- backed securities Opening balance $ 11 $ (1 ) $ 3,167 $ 24 $ 38 Transfers out of Level 3 (1) — (35 ) — — — Total gains/losses for the period: Included in earnings (1 ) 35 (3 ) (2 ) — Included in OCI — — (52 ) 11 — Purchases/originations — — 658 — — Sales — — — (33 ) — Repayments — — — — (8 ) Settlements — 3 (605 ) — — Closing balance $ 10 $ 2 $ 3,165 $ — $ 30 Change in unrealized gains or losses for the period included in earnings (or changes in net assets) for assets held at end of the reporting date $ (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 $ — $ — $ (52 ) $ — $ — Level 3 Fair Value Measurements Available-for-sale securities Loans held for investment (dollar amounts in millions) MSRs Derivative instruments Municipal securities Asset- backed securities Opening balance $ 14 $ (2 ) $ 2,798 $ 76 $ 48 Transfers out of Level 3 (1) — (15 ) — — — Total gains/losses for the period: Included in earnings (3 ) 16 (2 ) (5 ) 1 Included in OCI — — (8 ) 14 — Purchases/originations — — 787 — — Sales — — — (60 ) — Repayments — — — — (11 ) Settlements — — (408 ) (1 ) — Closing balance $ 11 $ (1 ) $ 3,167 $ 24 $ 38 Change in unrealized gains or losses for the period included in earnings (or changes in net assets) for assets held at end of the reporting date $ (3 ) $ — $ — $ (4 ) $ — (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. The tables below summarize the classification of gains and losses due to changes in fair value, recorded in earnings for Level 3 assets and liabilities for the years ended December 31, 2019 , 2018 , and 2017 : Level 3 Fair Value Measurements Available-for-sale securities Loans held for investment (dollar amounts in millions) MSRs Derivative instruments Municipal securities Classification of gains and losses in earnings: Mortgage banking income $ (3 ) $ 66 $ — $ — Interest and fee income — — (1 ) 1 Total $ (3 ) $ 66 $ (1 ) $ 1 Level 3 Fair Value Measurements Available-for-sale securities (dollar amounts in millions) MSRs Derivative instruments Municipal securities Asset- backed securities Classification of gains and losses in earnings: Mortgage banking income $ (1 ) $ 35 $ — $ — Securities gains (losses) — — — (2 ) Interest and fee income — — (3 ) — Total $ (1 ) $ 35 $ (3 ) $ (2 ) Level 3 Fair Value Measurements Available-for-sale securities (dollar amounts in millions) MSRs Derivative instruments Municipal securities Asset- backed securities Loans held for investment Classification of gains and losses in earnings: Mortgage banking income (loss) $ (3 ) $ 16 $ — $ — $ — Securities gains (losses) — — — (5 ) — Interest and fee income — — (2 ) — — Noninterest income — — — — 1 Total $ (3 ) $ 16 $ (2 ) $ (5 ) $ 1 Assets and liabilities under the fair value option The following tables presents the fair value and aggregate principal balance of certain assets and liabilities under the fair value option: December 31, 2019 Total Loans Loans that are 90 or more days past due (dollar amounts in millions) Fair value Aggregate Difference Fair value Aggregate Difference Assets Loans held for sale $ 781 $ 755 $ 26 $ 2 $ 2 $ — Loans held for investment 81 87 (6 ) 3 4 (1 ) December 31, 2018 Total Loans Loans that are 90 or more days past due (dollar amounts in millions) Fair value Aggregate Difference Fair value Aggregate Difference Assets Loans held for sale $ 613 $ 594 $ 19 $ — $ — $ — Loans held for investment 79 87 $ (8 ) 6 7 $ (1 ) The following tables present the net gains (losses) from fair value changes for the years ended December 31, 2019 , 2018 , and 2017 : Net gains (losses) from fair value changes Year Ended December 31, (dollar amounts in millions) 2019 2018 2017 Assets Loans held for sale $ 7 $ 5 $ 8 Loans held for investment 1 — — 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 at December 31, 2019 were as follows: Fair Value Measurements Using (dollar amounts in millions) Fair Value Quoted Prices In Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Other Unobservable Inputs (Level 3) Total MSRs $ 206 $ — $ — $ 206 $ (14 ) Impaired loans 26 — — 26 (1 ) Huntington records nonrecurring adjustments of collateral-dependent loans measured for impairment when establishing the ALLL. 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. In cases where the carrying value exceeds the fair value of the collateral less cost to sell, an impairment charge is recognized. 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 at December 31, 2019 and 2018 : Quantitative Information about Level 3 Fair Value Measurements at December 31, 2019 (dollar amounts in millions) Fair Value Valuation Technique Significant Unobservable Input Range Weighted Average Measured at fair value on a recurring basis: MSRs $ 7 Discounted cash flow Constant prepayment rate — % - 26 % 8 % Spread over forward interest rate swap rates 5 % - 11 % 8 % Derivative assets 8 Consensus Pricing Net market price (2 )% - 11 % 2 % Estimated Pull through % 2 % - 100 % 91 % Derivative liabilities 2 Discounted cash flow Estimated conversion factor 162 % Estimated growth rate of Visa Class A shares 7 % Discount rate 2 % Timing of the resolution of the litigation 6/30/2020 Municipal securities 2,999 Discounted cash flow Discount rate 2 % - 3 % 2 % Asset-backed securities 48 Cumulative default — % - 39 % 4 % Loss given default 5 % - 80 % 24 % Loans held for investment 26 Discounted cash flow Discount rate 5 % - 6 % 5 % Constant prepayment rate 9 % - 12 % 9 % Measured at fair value on a nonrecurring basis: MSRs 206 Discounted cash flow Constant prepayment rate 10 % 31 % 12 % Spread over forward interest rate swap rates 5 % 11 % 9 % Impaired loans 26 Appraisal value NA NA Quantitative Information about Level 3 Fair Value Measurements at December 31, 2018 (dollar amounts in millions) Fair Value Valuation Technique Significant Unobservable Input Range Weighted Average Measured at fair value on a recurring basis: MSRs $ 10 Discounted cash flow Constant prepayment rate 6 % - 54 % 8 % Spread over forward interest rate swap rates 5 % - 11 % 8 % Derivative assets 5 Consensus Pricing Net market price (5 )% - 23 % 2 % Estimated Pull through % 1 % - 100 % 92 % Derivative liabilities 3 Discounted cash flow Estimated conversion factor 163 % Estimated growth rate of Visa Class A shares 7 % Discount rate 4 % Timing of the resolution of the litigation 6/30/2020 Municipal securities 3,165 Discounted cash flow Discount rate 4 % - 4 % 4 % Cumulative default — % - 39 % 3 % Loss given default 5 % - 90 % 25 % Loans held for investment 30 Discounted cash flow Discount rate 7 % - 9 % 9 % Constant prepayment rate 9 % - 9 % 9 % Measured at fair value on a nonrecurring basis: Impaired loans 33 Appraisal value NA NA Loans held for sale 121 Discounted cash flow Discount rate 5 % 6 % 5 % 24 Appraisal value NA NA 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. Such relationships have not been included in the discussion below. Credit loss estimates, such as probability of default, constant default, cumulative default, loss given default, cure given deferral, and loss severity, are driven by the ability of the borrowers to pay their loans and the value of the underlying collateral and are impacted by changes in macroeconomic conditions, typically increasing when economic conditions worsen and decreasing when conditions improve. An increase in the estimated prepayment rate typically results in a decrease in estimated credit losses and vice versa. Higher credit loss estimates generally result in lower fair values. Credit spreads generally increase when liquidity risks and market volatility increase and decrease when liquidity conditions and market volatility improve. Discount rates and spread over forward interest rate swap rates typically increase when market interest rates increase and/or credit and liquidity risks increase, and decrease when market interest rates decline and/or credit and liquidity conditions improve. Higher discount rates and credit spreads generally result in lower fair market values. Net market price and pull through percentages generally increase when market interest rates increase and decline when market interest rates decline. Higher net market price and pull through percentages generally result in higher fair values. Fair values of financial instruments The following table provides the carrying amounts and estimated fair values of Huntington’s financial instruments at December 31, 2019 and December 31, 2018 : December 31, 2019 (dollar amounts in millions) Amortized Cost Lower of Cost or Market Fair Value or Fair Value Option Total Carrying Amount Estimated Fair Value Financial Assets Cash and short-term assets $ 1,272 $ — $ — $ 1,272 $ 1,272 Trading account securities — — 99 99 99 Available-for-sale securities — — 14,149 14,149 14,149 Held-to-maturity securities 9,070 — — 9,070 9,186 Other securities 387 — 54 441 441 Loans held for sale — 96 781 877 879 Net loans and leases (1) 74,540 — 81 74,621 75,177 Derivatives — — 452 452 452 Financial Liabilities Deposits 82,347 — — 82,347 82,344 Short-term borrowings 2,606 — — 2,606 2,606 Long-term debt 9,849 — — 9,849 10,075 Derivatives — — 104 104 104 December 31, 2018 (dollar amounts in millions) Amortized Cost Lower of Cost or Market Fair Value or Fair Value Option Total Carrying Amount Estimated Fair Value Financial Assets Cash and short-term assets $ 2,725 $ — $ — $ 2,725 $ 2,725 Trading account securities — — 105 105 105 Available-for-sale securities — — 13,780 13,780 13,780 Held-to-maturity securities 8,565 — — 8,565 8,286 Other securities 543 — 22 565 565 Loans held for sale — 191 613 804 806 Net loans and leases (1) 74,049 — 79 74,128 73,668 Derivatives — — 209 209 209 Financial Liabilities Deposits 84,774 — — 84,774 84,731 Short-term borrowings 2,017 — — 2,017 2,017 Long-term debt 8,625 — — 8,625 8,718 Derivatives — — 187 187 187 (1) Includes collateral-dependent loans measured for impairment. The following table presents the level in the fair value hierarchy for the estimated fair values at December 31, 2019 and December 31, 2018 : Estimated Fair Value Measurements at Reporting Date Using December 31, 2019 (dollar amounts in millions) Level 1 Level 2 Level 3 Financial Assets Trading account securities $ 30 $ 69 $ — $ 99 Available-for-sale securities 10 11,090 3,049 14,149 Held-to-maturity securities — 9,186 — 9,186 Other securities (1) 54 — — 54 Loans held for sale — 781 98 879 Net loans and direct financing leases — 55 75,122 75,177 Financial Liabilities Deposits — 76,790 5,554 82,344 Short-term borrowings — — 2,606 2,606 Long-term debt — 9,439 636 10,075 Estimated Fair Value Measurements at Reporting Date Using December 31, 2018 (dollar amounts in millions) Level 1 Level 2 Level 3 Financial Assets Trading account securities $ 78 $ 27 $ — $ 105 Available-for-sale securities 5 10,610 3,165 13,780 Held-to-maturity securities — 8,286 — 8,286 Other securities (1) 22 — — 22 Loans held for sale — 613 193 806 Net loans and direct financing leases — 49 73,619 73,668 Financial Liabilities Deposits — 76,922 7,809 84,731 Short-term borrowings 1 — 2,016 2,017 Long-term debt — 8,158 560 8,718 (1) Excludes securities without readily determinable fair values. The short-term nature of certain assets and liabilities result in their carrying value approximating fair value. These include trading account securities, customers’ acceptance liabilities, short-term borrowings, bank acceptances outstanding, FHLB advances, and cash and short-term assets, which include cash and due from banks, interest-bearing deposits in banks, interest-bearing deposits at Federal Reserve Bank, federal funds sold, and securities purchased under resale agreements. Loan commitments and letters-of-credit generally have short-term, variable-rate features and contain clauses that limit Huntington’s exposure to changes in customer credit quality. Accordingly, their carrying values, which are immaterial at the respective balance sheet dates, are reasonable estimates of fair value. Certain assets, the most significant being operating lease assets, bank owned life insurance, and premises and equipment, do not meet the definition of a financial instrument and are excluded from this disclosure. Similarly, mortgage servicing rights, deposit base, and other customer relationship intangibles are not considered financial instruments and are not included above. Accordingly, this fair value information is not intended to, and does not, represent Huntington’s underlying value. Many of the assets and liabilities subject to the disclosure requirements are not actively traded, requiring fair values to be estimated by Management. These estimations necessarily involve the use of judgment about a wide variety of factors, including but not limited to, relevancy of market prices of comparable instruments, expected future cash flows, and appropriate discount rates.

DERIVATIVE FINANCIAL INSTRUMENT

DERIVATIVE FINANCIAL INSTRUMENTS	12 Months Ended
	Dec. 31, 2019
Derivative Instruments and Hedging Activities Disclosure [Abstract]
DERIVATIVE FINANCIAL INSTRUMENTS	DERIVATIVE FINANCIAL INSTRUMENTS Derivative financial instruments are recorded in the Consolidated Balance Sheets as either an asset or a liability (in other assets or other liabilities, respectively) and measured at fair value. Derivative financial instruments can be designated as accounting hedges under GAAP. Designating a derivative as an accounting hedge allows Huntington to recognize gains and losses on the hedging instruments in the income statement line item where the gains and losses on the hedged item are recognized. Gains and losses on derivatives that are not designated in an effective hedge relationship under GAAP immediately impact earnings within the period they occur. The following table presents the fair values of all derivative instruments included in the Consolidated Balance Sheets at December 31, 2019 and December 31, 2018 . Amounts in the table below are presented gross without the impact of any net collateral arrangements. December 31, 2019 December 31, 2018 (dollar amounts in millions) Asset Liability Asset Liability Derivatives designated as Hedging Instruments Interest rate contracts $ 256 $ 36 $ 44 $ 42 Derivatives not designated as Hedging Instruments Interest rate contracts 420 314 261 165 Foreign exchange contracts 19 18 23 19 Commodities contracts 155 152 172 168 Equity contracts 6 1 — 10 Total Contracts $ 856 $ 521 $ 500 $ 404 The following table presents the amount of gain or loss recognized in income for derivatives not designated as hedging instruments under ASC Subtopic 815-10 in the Consolidated Income Statement for the year s ended December 31, 2019 and 2018 . Location of Gain or (Loss) Recognized in Income on Derivative Year Ended December 31, (dollar amounts in millions) 2019 2018 Interest rate contracts: Customer Capital markets fees $ 49 $ 41 Mortgage Banking Mortgage banking income 37 (19 ) Interest rate floors Other noninterest income 4 — Foreign exchange contracts Capital markets fees 28 27 Commodities contracts Capital markets fees (2 ) 6 Equity contracts Other noninterest expense (4 ) 4 Total $ 112 $ 59 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 caused by fluctuations in market interest rates. Cash flow hedges are executed to modify interest rate characteristics of designated commercial loans in order to reduce the impact of changes in future cash flows due to market interest rate changes. The following table presents the gross notional values of derivatives used in Huntington’s asset and liability management activities at December 31, 2019 and December 31, 2018 , identified by the underlying interest rate-sensitive instruments: December 31, 2019 (dollar amounts in millions) Fair Value Hedges Cash Flow Hedges Total Instruments associated with: Loans $ — $ 18,375 $ 18,375 Investment securities — 12 12 Long-term debt 7,540 — 7,540 Total notional value at December 31, 2019 $ 7,540 $ 18,387 $ 25,927 December 31, 2018 (dollar amounts in millions) Fair Value Hedges Cash Flow Hedges Total Instruments associated with: Investment securities $ — $ 12 $ 12 Long-term debt 4,865 — 4,865 Total notional value at December 31, 2018 $ 4,865 $ 12 $ 4,877 The following table presents additional information about the interest rate swaps and floors used in Huntington’s asset and liability management activities at December 31, 2019 and December 31, 2018 : December 31, 2019 Average Maturity (years) Weighted-Average Rate (dollar amounts in millions) Notional Value Fair Value Receive Pay Asset conversion swaps Receive fixed—generic $ 8,637 3.3 $ 23 1.66 % 1.06 % Liability conversion swaps Receive fixed—generic 7,540 2.3 151 2.20 1.79 Total swap portfolio at December 31, 2019 $ 16,177 2.9 $ 174 1.91 % 1.40 % December 31, 2019 (dollar amounts in millions) Notional Value Average Maturity (years) Fair Value Interest rate floors Designated interest rate floors $ 9,750 1.6 $ 46 Total floors portfolio at December 31, 2019 $ 9,750 1.6 $ 46 December 31, 2018 Average Maturity (years) Weighted-Average Rate (dollar amounts in millions) Notional Value Fair Value Receive Pay Asset conversion swaps Receive fixed—generic $ 12 1.2 $ — 2.20 % 2.46 % Liability conversion swaps Receive fixed—generic 4,865 2.6 2 2.24 % 2.54 % Total swap portfolio at December 31, 2018 $ 4,877 2.6 $ 2 2.24 % 2.54 % 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. The net amounts resulted in an increase (decrease) to net interest income of $(53) million , $(36) million , and $23 million for the years ended December 31, 2019 , 2018 , and 2017 , 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. The following table presents the change in fair value for derivatives designated as fair value hedges as well as the offsetting change in fair value on the hedged item for the years ended December 31, 2019 and 2018 : Year Ended December 31, (dollar amounts in millions) 2019 2018 2017 Interest rate contracts Change in fair value of interest rate swaps hedging long-term debt (1) $ 127 $ 112 $ (53 ) Change in fair value of hedged long term debt (1) (125 ) (104 ) 54 (1) Recognized in Interest expense - long-term debt in the Consolidated Statements of Income. As of December 31, 2019 , the following amounts were recorded on the balance sheet related to cumulative basis adjustments for fair value hedges. Carrying Amount of the Hedged Liabilities Cumulative Amount of Fair Value Hedging Adjustment To Hedged Liabilities (dollar amounts in millions) December 31, 2019 December 31, 2018 December 31, 2019 December 31, 2018 Long-term debt $ 7,578 $ 4,845 $ 114 $ (12 ) The cumulative amount of fair value hedging adjustments remaining for any hedged assets and liabilities for which hedge accounting has been discontinued is $(93) million at December 31, 2019 and $(127) million at December 31, 2018 . Cash Flow Hedges During 2019, Huntington entered into $18.4 billion of interest rate floors and swaps. These are designated as cash flow hedges for variable rate commercial loans indexed to LIBOR. The initial premium paid for the interest rate floor contracts represents the time value of the contracts and is not included in the measurement of hedge effectiveness. Any change in fair value related to time value is recognized in OCI. The initial premium paid is amortized on a straight line basis as a reduction to interest income over the contractual life of these contracts. Derivatives used in mortgage banking activities Mortgage loan origination hedging activity Huntington’s mortgage origination hedging activity is related to economically hedging of 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 net asset (liability) position of these derivatives at December 31, 2019 and December 31, 2018 are $6 million and $(4) million , respectively. At December 31, 2019 and 2018 , Huntington had commitments to sell residential real estate loans of $1.4 billion and $0.8 billion , respectively. These contracts mature in less than one year. MSR hedging activity Huntington’s MSR economic hedging activity uses securities and derivatives to manage the value of the MSR asset and to mitigate the various types of risk inherent in the MSR asset, including risks related to duration, basis, convexity, volatility, and yield curve. The hedging instruments include forward commitments, interest rate swaps, and options on interest rate swaps. The notional value of the derivative financial instruments, corresponding trading assets and liabilities, and net trading gains (losses) related to MSR hedging activity is summarized in the following table: MSR hedging activity (dollar amounts in millions) December 31, 2019 December 31, 2018 Notional value $ 778 $ — Trading assets 19 — Year December 31, (dollar amounts in millions) 2019 2018 Trading gains (losses) $ 30 (8 ) MSR hedging trading assets and liabilities are included in other assets and other liabilities, respectively, in the Consolidated Balance Sheets. Trading gains (losses) are included in mortgage banking income in the Consolidated Statement of Income. Derivatives used in customer related activities Various derivative financial instruments are offered to enable customers to meet their financing and investing objectives and for their risk management purposes. Derivative financial instruments used in trading activities consist of commodity, interest rate, and foreign exchange contracts. Huntington enters into offsetting third-party contracts with approved, reputable counterparties with substantially matching terms and currencies in order to economically hedge significant exposure related to derivatives used in trading activities. The interest rate or price risk of customer derivatives is mitigated by entering into similar derivatives having offsetting terms with other counterparties. The credit risk to these customers is evaluated and included in the calculation of fair value. Foreign currency derivatives help the customer hedge risk and reduce exposure to fluctuations in exchange rates. Transactions are primarily in liquid currencies with Canadian dollars and Euros comprising a majority of all transactions. Commodity derivatives help the customer hedge risk and reduce exposure to fluctuations in the price of various commodities. Hedging of energy-related products and base metals comprise the majority of these transactions. The net fair values of these derivative financial instruments, for which the gross amounts are included in other assets or other liabilities at December 31, 2019 and December 31, 2018 , were $87 million and $92 million , respectively. The total notional values of derivative financial instruments used by Huntington on behalf of customers, including offsetting derivatives, were $30 billion and $26 billion at December 31, 2019 and December 31, 2018 , respectively. Huntington’s credit risk from customer derivatives was $407 million and $132 million at the same dates, respectively. Visa ® -related Swaps In connection with the sale of Huntington’s Class B Visa ® shares, Huntington entered into swap agreements with the purchaser of the shares. The swap agreements adjust for dilution in the conversion ratio of Class B shares resulting from changes in the Visa ® litigation. At December 31, 2019 , the fair value of the swap liabilities of $1 million is an estimate of the exposure liability based upon Huntington’s assessment of the potential Visa ® litigation losses and timing of the litigation settlement. Financial assets and liabilities that are offset in the Consolidated Balance Sheets Huntington records derivatives at fair value as further described in Note 18 - “ 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, net of collateral that has been pledged by the counterparty, was $22 million and $37 million at December 31, 2019 and December 31, 2018 , respectively. The credit risk associated with derivatives is calculated after considering master netting agreements. At December 31, 2019 , Huntington pledged $171 million of investment securities and cash collateral to counterparties, while other counterparties pledged $178 million of investment securities and cash collateral to Huntington to satisfy collateral netting agreements. In the event of credit downgrades, Huntington would not be required to provide additional collateral. The following tables present the gross amounts of these assets and liabilities with any offsets to arrive at the net amounts recognized in the Consolidated Balance Sheets at December 31, 2019 and December 31, 2018 : Offsetting of Financial Assets and Derivative Assets Gross amounts offset in the consolidated balance sheets Net amounts of assets presented in the consolidated balance sheets Gross amounts not offset in the consolidated balance sheets (dollar amounts in millions) Gross amounts of recognized assets Financial instruments Cash collateral received Net amount December 31, 2019 Derivatives $ 856 $ (404 ) $ 452 $ (65 ) $ (29 ) $ 358 December 31, 2018 Derivatives 500 (291 ) 209 (4 ) (53 ) 152 Offsetting of Financial Liabilities and Derivative Liabilities Gross amounts offset in the consolidated balance sheets Net amounts of liabilities presented in the consolidated balance sheets Gross amounts not offset in the consolidated balance sheets (dollar amounts in millions) Gross amounts of recognized liabilities Financial instruments Cash collateral delivered Net amount December 31, 2019 Derivatives $ 521 $ (417 ) $ 104 $ — $ (75 ) $ 29 December 31, 2018 Derivatives 404 (217 ) 187 — (12 ) 175

VIEs

VIEs	12 Months Ended
	Dec. 31, 2019
Organization, Consolidation and Presentation of Financial Statements [Abstract]
VIEs	Unconsolidated VIEs The following tables provide a summary of the assets and liabilities included in Huntington’s Consolidated Financial Statements, as well as the maximum exposure to losses, associated with its interests related to unconsolidated VIEs for which Huntington holds an interest in, but is not the primary beneficiary of, the VIE at December 31, 2019 , and 2018 : December 31, 2019 (dollar amounts in millions) Total Assets Total Liabilities Maximum Exposure to Loss Trust Preferred Securities $ 14 $ 252 $ — Affordable Housing Tax Credit Partnerships 727 332 727 Other Investments 179 63 179 Total $ 920 $ 647 $ 906 December 31, 2018 (dollar amounts in millions) Total Assets Total Liabilities Maximum Exposure to Loss Trust Preferred Securities $ 14 $ 252 $ — Affordable Housing Tax Credit Partnerships 708 357 708 Other Investments 126 53 126 Total $ 848 $ 662 $ 834 Trust-Preferred Securities Huntington has certain wholly-owned trusts whose assets, liabilities, equity, income, and expenses are not included within Huntington’s Consolidated Financial Statements. These trusts have been formed for the sole purpose of issuing trust-preferred securities, from which the proceeds are then invested in Huntington junior subordinated debentures, which are reflected in Huntington’s Consolidated Balance Sheet as long-term debt. The trust securities are the obligations of the trusts, and as such, are not consolidated within Huntington’s Consolidated Financial Statements. A list of trust-preferred securities outstanding at December 31, 2019 follows: (dollar amounts in millions) Rate Principal amount of subordinated note/ debenture issued to trust (1) Investment in unconsolidated subsidiary Huntington Capital I 2.61 % (2) $ 70 $ 6 Huntington Capital II 2.53 (3) 32 3 Sky Financial Capital Trust III 3.31 (4) 72 2 Sky Financial Capital Trust IV 3.31 (4) 74 2 Camco Financial Trust 3.24 (5) 4 1 Total $ 252 $ 14 (1) Represents the principal amount of debentures issued to each trust, including unamortized original issue discount. (2) Variable effective rate at December 31, 2019 , based on three-month LIBOR + 0.70 %. (3) Variable effective rate at December 31, 2019 , based on three-month LIBOR + 0.625 %. (4) Variable effective rate at December 31, 2019 , based on three-month LIBOR + 1.40 %. (5) Variable effective rate at December 31, 2019 , based on three month LIBOR + 1.33 %. Each issue of the junior subordinated debentures has an interest rate equal to the corresponding trust securities distribution rate. Huntington has the right to defer payment of interest on the debentures at any time, or from time-to-time for a period not exceeding five years provided that no extension period may extend beyond the stated maturity of the related debentures. During any such extension period, distributions to the trust securities will also be deferred and Huntington’s ability to pay dividends on its common stock will be restricted. Periodic cash payments and payments upon liquidation or redemption with respect to trust securities are guaranteed by Huntington to the extent of funds held by the trusts. The guarantee ranks subordinate and junior in right of payment to all indebtedness of the Company to the same extent as the junior subordinated debt. The guarantee does not place a limitation on the amount of additional indebtedness that may be incurred by Huntington. Affordable Housing Tax Credit Partnerships Huntington makes certain equity investments in various limited partnerships that sponsor affordable housing projects utilizing the LIHTC pursuant to Section 42 of the Internal Revenue Code. The purpose of these investments is to achieve a satisfactory return on capital, to facilitate the sale of additional affordable housing product offerings, and to assist in achieving goals associated with the Community Reinvestment Act. The primary activities of the limited partnerships include the identification, development, and operation of multi-family housing that is leased to qualifying residential tenants. Generally, these types of investments are funded through a combination of debt and equity. Huntington uses the proportional amortization method to account for a majority of its investments in these entities. These investments are included in other assets. Investments that do not meet the requirements of the proportional amortization method are accounted for using the equity method. Investment losses related to these investments are included in noninterest income in the Consolidated Statements of Income. The following table presents the balances of Huntington’s affordable housing tax credit investments and related unfunded commitments at December 31, 2019 and 2018 . (dollar amounts in millions) December 31, December 31, Affordable housing tax credit investments $ 1,242 $ 1,147 Less: amortization (515 ) (439 ) Net affordable housing tax credit investments $ 727 $ 708 Unfunded commitments $ 332 $ 357 The following table presents other information relating to Huntington’s affordable housing tax credit investments for the years ended December 31, 2019 , 2018 , and 2017 : Year Ended December 31, (dollar amounts in millions) 2019 2018 2017 Tax credits and other tax benefits recognized $ 98 $ 92 $ 91 Proportional amortization expense included in provision for income taxes 84 79 70 There were no material sales of affordable housing tax credit investments in 2019 , 2018 or 2017 . Huntington recognized immaterial impairment losses for the years ended December 31, 2019 , 2018 and 2017 . The impairment losses recognized related to the fair value of the tax credit investments that were less than carrying value. 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, automobile securitizations, and other miscellaneous investments.

COMMITMENTS AND CONTINGENT LIAB

COMMITMENTS AND CONTINGENT LIABILITIES	12 Months Ended
	Dec. 31, 2019
Commitments and Contingencies Disclosure [Abstract]
COMMITMENTS AND CONTINGENT LIABILITIES	COMMITMENTS AND CONTINGENT LIABILITIES Commitments to extend credit In the ordinary course of business, Huntington makes various commitments to extend credit that are not reflected in the Consolidated Financial Statements. The contract amounts of these financial agreements at December 31, 2019 , and December 31, 2018 were as follows: At December 31, (dollar amounts in millions) 2019 2018 Contract amount representing credit risk Commitments to extend credit: Commercial $ 18,326 $ 17,149 Consumer 14,831 14,974 Commercial real estate 1,364 1,188 Standby letters of credit 587 676 Commercial letters of credit 8 14 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. Standby letters of credit 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 . The carrying amount of deferred revenue associated with these guarantees was $8 million and $13 million at December 31, 2019 and December 31, 2018 , 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 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 possible loss is $0 to $20 million at December 31, 2019 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 and a variety of assumptions, and known and unknown uncertainties. The matters underlying the estimated range will change from time to time, and actual results may vary significantly from the current estimate. The estimated range of possible loss does not represent Huntington’s maximum loss exposure. Based on current knowledge, management does not believe that loss contingencies arising from pending matters will have a material adverse effect on the consolidated financial position of Huntington. Further, management believes that amounts accrued are adequate to address Huntington’s contingent liabilities. However, in light of the inherent uncertainties involved in these matters, some of which are beyond Huntington’s control, and the large or indeterminate damages sought in some of these matters, an adverse outcome in one or more of these matters could be material to Huntington’s results of operations for any particular reporting period.

OTHER REGULATORY MATTERS

OTHER REGULATORY MATTERS	12 Months Ended
	Dec. 31, 2019
Banking and Thrift [Abstract]
OTHER REGULATORY MATTERS	OTHER REGULATORY MATTERS Huntington and the Bank are subject to certain risk-based capital and leverage ratio requirements under the U.S. Basel III capital rules adopted by the Federal Reserve, for Huntington, and by the OCC, for the Bank. These rules implement the Basel III international regulatory capital standards in the United States, as well as certain provisions of the Dodd-Frank Act. These quantitative calculations are minimums, and the Federal Reserve and OCC may determine that a banking organization, based on its size, complexity or risk profile, must maintain a higher level of capital in order to operate in a safe and sound manner. Under the U.S. Basel III capital rules, Huntington’s and the Bank’s assets, exposures and certain off-balance sheet items are subject to risk weights used to determine the institutions’ risk-weighted assets. These risk-weighted assets are used to calculate the following minimum capital ratios for Huntington and the Bank: CET1 Risk-Based Capital Ratio , equal to the ratio of CET1 capital to risk-weighted assets. CET1 capital primarily includes common shareholders’ equity subject to certain regulatory adjustments and deductions, including with respect to goodwill, intangible assets, certain deferred tax assets, and AOCI. In July 2019, the FDIC, the Federal Reserve and OCC issued final rules that simplify the capital treatment of mortgage servicing assets, deferred tax assets arising from temporary differences that an institution could not realize through net operating loss carrybacks, and investments in the capital of unconsolidated financial institutions, as well as simplify the recognition and calculation of minority interests that are includable in regulatory capital, for non-advanced approaches banking organizations, including Huntington and the Bank. Banking organizations may adopt these changes beginning on January 1, 2020, and are required to adopt them for the quarter beginning April 1, 2020. In addition, in December 2018, the U.S. federal banking agencies finalized rules that would permit BHCs and banks to phase-in, for regulatory capital purposes, the day-one impact of the new CECL accounting rule on retained earnings over a period of three years. For further discussion of the new current expected credit loss accounting rule, see Note 2 of the Notes to Consolidated Financial Statements. Tier 1 Risk-Based Capital Ratio , equal to the ratio of Tier 1 capital to risk-weighted assets. Tier 1 capital is primarily comprised of CET1 capital, perpetual preferred stock and certain qualifying capital instruments. Total Risk-Based Capital Ratio , equal to the ratio of total capital, including CET1 capital, Tier 1 capital and Tier 2 capital, to risk-weighted assets. Tier 2 capital primarily includes qualifying subordinated debt and qualifying ALLL. Tier 2 capital also includes, among other things, certain trust preferred securities. Tier 1 Leverage Ratio , equal to the ratio of Tier 1 capital to quarterly average assets (net of goodwill, certain other intangible assets and certain other deductions). The total minimum regulatory capital ratios and well-capitalized minimum ratios are reflected on the following page. The Federal Reserve has not yet revised the well-capitalized standard for BHCs to reflect the higher capital requirements imposed under the U.S. Basel III capital rules. For purposes of the Federal Reserve’s Regulation Y, including determining whether a BHC meets the requirements to be an FHC, BHCs, such as Huntington, must maintain a Tier 1 Risk-Based Capital Ratio of 6.0% or greater and a Total Risk-Based Capital Ratio of 10.0% or greater. If the Federal Reserve were to apply the same or a very similar well-capitalized standard to BHCs as that applicable to the Bank, Huntington’s capital ratios as of December 31, 2019 would exceed such a revised well-capitalized standard. The Federal Reserve may require BHCs, including Huntington, to maintain capital ratios substantially in excess of mandated minimum levels, depending upon general economic conditions and a BHC’s particular condition, risk profile and growth plans. Failure to be well-capitalized or to meet minimum capital requirements could result in certain mandatory and possible additional discretionary actions by regulators that, if undertaken, could have an adverse material effect on our operations or financial condition. Failure to be well-capitalized or to meet minimum capital requirements could also result in restrictions on Huntington’s or the Bank’s ability to pay dividends or otherwise distribute capital or to receive regulatory approval of applications. In addition to meeting the minimum capital requirements, under the U.S. Basel III capital rules Huntington and the Bank must also maintain the required Capital Conservation Buffer to avoid becoming subject to restrictions on capital distributions and certain discretionary bonus payments to management. The Capital Conservation Buffer is calculated as a ratio of CET1 capital to risk-weighted assets, and it effectively increases the required minimum risk-based capital ratios. The Capital Conservation Buffer requirement was phased in over a three-year period that began on January 1, 2016. The phase-in period ended on January 1, 2019, and the Capital Conservation Buffer was at its fully phased-in level of 2.5% throughout 2019. As of December 31, 2019 , Huntington’s and the Bank’s regulatory capital ratios were above the well-capitalized standards and met the then-applicable Capital Conservation Buffer. Please refer to the table below for a summary of Huntington’s and the Bank’s regulatory capital ratios as of December 31, 2019 , calculated using the regulatory capital methodology applicable during 2019. Minimum Minimum Basel III Regulatory Ratio+Capital Well- December 31, Capital Conservation Capitalized 2019 2018 (dollar amounts in millions) Ratios Buffer Minimums Ratio Amount Ratio Amount CET 1 risk-based capital Consolidated 4.50 % 7.00 % N/A 9.88 % $ 8,647 9.65 % $ 8,271 Bank 4.50 7.00 6.50 % 11.17 9,747 10.19 8,732 Tier 1 risk-based capital Consolidated 6.00 8.50 6.00 11.26 9,854 11.06 9,478 Bank 6.00 8.50 8.00 12.17 10,621 11.21 9,611 Total risk-based capital Consolidated 8.00 10.50 10.00 13.04 11,413 12.98 11,122 Bank 8.00 10.50 10.00 13.59 11,864 13.42 11,504 Tier 1 leverage Consolidated 4.00 N/A N/A 9.26 9,854 9.10 9,478 Bank 4.00 N/A 5.00 10.01 10,621 9.23 9,611 Huntington and its subsidiaries are also subject to various regulatory requirements that impose restrictions on cash, debt, and dividends. The Bank is required to maintain cash reserves based on the level of certain of its deposits. This reserve requirement may be met by holding cash in banking offices or on deposit at the FRB. During 2019 and 2018 , the average balances of these deposits were $0.6 billion and $0.4 billion , respectively. Under current Federal Reserve regulations, the Bank is limited as to the amount and type of loans it may make to the parent company and nonbank subsidiaries. At December 31, 2019 , the Bank could lend $1.2 billion to a single affiliate, subject to the qualifying collateral requirements defined in the regulations. Dividends from the Bank are one of the major sources of funds for the Company. These funds aid the Company in the payment of dividends to shareholders, expenses, and other obligations. Payment of dividends and/or return of capital to the parent company is subject to various legal and regulatory limitations. During 2019 , the Bank paid dividends of $0.7 billion to the holding company. Also, there are statutory and regulatory limitations on the ability of national banks to pay dividends or make other capital distributions.

PARENT COMPANY FINANCIAL STATEM

PARENT COMPANY FINANCIAL STATEMENTS	12 Months Ended
	Dec. 31, 2019
Condensed Financial Information Disclosure [Abstract]
PARENT COMPANY FINANCIAL STATEMENTS	PARENT-ONLY FINANCIAL STATEMENTS The parent-only financial statements, which include transactions with subsidiaries, are as follows: Balance Sheets December 31, (dollar amounts in millions) 2019 2018 Assets Cash and due from banks $ 3,119 $ 2,352 Due from The Huntington National Bank 47 739 Due from non-bank subsidiaries 34 40 Investment in The Huntington National Bank 12,833 11,493 Investment in non-bank subsidiaries 165 142 Accrued interest receivable and other assets 349 239 Total assets $ 16,547 $ 15,005 Liabilities and shareholders’ equity Long-term borrowings $ 4,095 $ 3,216 Dividends payable, accrued expenses, and other liabilities 657 687 Total liabilities 4,752 3,903 Shareholders’ equity (1) 11,795 11,102 Total liabilities and shareholders’ equity $ 16,547 $ 15,005 (1) See Consolidated Statements of Changes in Shareholders’ Equity. Statements of Income Year Ended December 31, (dollar amounts in millions) 2019 2018 2017 Income Dividends from: The Huntington National Bank $ 685 $ 1,722 $ 298 Non-bank subsidiaries 3 — 14 Interest from: The Huntington National Bank 8 27 20 Non-bank subsidiaries 2 2 2 Other 2 (2 ) 4 Total income 700 1,749 338 Expense Personnel costs 6 2 19 Interest on borrowings 143 124 91 Other 145 118 115 Total expense 294 244 225 Income before income taxes and equity in undistributed net income of subsidiaries 406 1,505 113 Provision (benefit) for income taxes (63 ) (48 ) (56 ) Income before equity in undistributed net income of subsidiaries 469 1,553 169 Increase (decrease) in undistributed net income (loss) of: The Huntington National Bank 908 (186 ) 1,015 Non-bank subsidiaries 34 26 2 Net income $ 1,411 $ 1,393 $ 1,186 Other comprehensive income (loss) (1) 353 (80 ) (34 ) Comprehensive income $ 1,764 $ 1,313 $ 1,152 (1) See Consolidated Statements of Comprehensive Income for other comprehensive income (loss) detail. Statements of Cash Flows Year Ended December 31, (dollar amounts in millions) 2019 2018 2017 Operating activities Net income $ 1,411 $ 1,393 $ 1,186 Adjustments to reconcile net income to net cash provided by operating activities: Equity in undistributed net income of subsidiaries (942 ) 197 (997 ) Depreciation and amortization (2 ) (2 ) 4 Other, net (19 ) 121 (37 ) Net cash (used for) provided by operating activities 448 1,709 156 Investing activities Repayments from subsidiaries 701 21 442 Advances to subsidiaries (11 ) (13 ) (29 ) (Purchases)/Proceeds from sale of securities (38 ) — 1 Cash paid for acquisitions, net of cash received — (15 ) — Net cash (used for) provided by investing activities 652 (7 ) 414 Financing activities Net proceeds from issuance of medium-term notes 797 501 — Payment of medium-term notes — (400 ) — Dividends paid on common stock (671 ) (584 ) (425 ) Repurchases of common stock (441 ) (939 ) (260 ) Net proceeds from issuance of preferred stock — 495 — Other, net (18 ) (41 ) (20 ) Net cash provided by (used for) financing activities (333 ) (968 ) (705 ) Increase (decrease) in cash and cash equivalents 767 734 (135 ) Cash and cash equivalents at beginning of year 2,352 1,618 1,753 Cash and cash equivalents at end of year $ 3,119 $ 2,352 $ 1,618 Supplemental disclosure: Interest paid $ 135 $ 126 $ 90

SEGMENT REPORTING

SEGMENT REPORTING	12 Months Ended
	Dec. 31, 2019
Segment Reporting [Abstract]
SEGMENT REPORTING	SEGMENT REPORTING Huntington’s business segments are based on our internally-aligned segment leadership structure, which is how management monitors results and assesses performance. The Company has four major business segments: Consumer and Business Banking , Commercial Banking , Vehicle Finance , Regional Banking and The Huntington Private Client Group (RBHPCG) . The Treasury / Other function includes technology and operations, other unallocated assets, liabilities, revenue, and expense. Business segment results are determined based upon Huntington’s management reporting system, which assigns balance sheet and income statement items to each of the business segments. The process is designed around the organizational and management structure and, accordingly, the results derived are not necessarily comparable with similar information published by other financial institutions. Additionally, because of the interrelationships of the various segments, the information presented is not indicative of how the segments would perform if they operated as independent entities. Revenue is recorded in the business segment responsible for the related product or service. Fee sharing is recorded to allocate portions of such revenue to other business segments involved in selling to, or providing service to customers. Results of operations for the business segments reflect these fee sharing allocations. The management process that develops the business segment reporting utilizes various estimates and allocation methodologies to measure the performance of the business segments. Expenses are allocated to business segments using a two-phase approach. The first phase consists of measuring and assigning unit costs (activity-based costs) to activities related to product origination and servicing. These activity-based costs are then extended, based on volumes, with the resulting amount allocated to business segments that own the related products. The second phase consists of the allocation of overhead costs to all four business segments from Treasury / Other . Huntington utilizes a full-allocation methodology, where all Treasury / Other expenses, except reported Significant Items, if any, and a small amount of other residual unallocated expenses, are allocated to the four business segments. The management policies and processes utilized in compiling segment financial information are highly subjective and, unlike financial accounting, are not based on authoritative guidance similar to GAAP. As a result, reported segment results are not necessarily comparable with similar information reported by other financial institutions. Furthermore, changes in management structure or allocation methodologies and procedures result in changes in reported segment financial data. Accordingly, certain amounts have been reclassified to conform to the current period presentation. Huntington uses an active and centralized FTP methodology to attribute appropriate net interest income to the business segments. The intent of the FTP methodology is to transfer interest rate risk from the business segments by providing matched duration funding of assets and liabilities. The result is to centralize the financial impact, management, and reporting of interest rate risk in the Treasury / Other function where it can be centrally monitored and managed. The Treasury / Other function charges (credits) an internal cost of funds for assets held in (or pays for funding provided by) each business segment. The FTP rate is based on prevailing market interest rates for comparable duration assets (or liabilities). During 2019, the Company updated and refined its FTP methodology primarily related to the allocation of deposit funding costs. Prior period amounts presented below have been restated to reflect the new methodology. Consumer and Business Banking - The Consumer and Business Banking segment, including Home Lending, provides a wide array of financial products and services to consumer and small business customers including but not limited to checking accounts, savings accounts, money market accounts, certificates of deposit, mortgage loans, consumer loans, credit cards, and small business loans and investment products. Other financial services available to customers include insurance, interest rate risk protection, foreign exchange, and treasury management. Business Banking is defined as serving companies with revenues up to $20 million. Home Lending supports origination and servicing of consumer loans and mortgages for customers who are generally located in our primary banking markets across all segments. Commercial Banking - Through a relationship banking model, this segment provides a wide array of products and services to the middle market, large corporate, real estate and government public sector customers located primarily within our geographic footprint. The segment is divided into six business units: Middle Market/Asset Based Lending, Specialty Banking, Asset Finance, Capital Markets/Institutional Corporate Banking, Commercial Real Estate, and Treasury Management. Vehicle Finance - Our products and services include providing financing to consumers for the purchase of automobiles, light-duty trucks, recreational vehicles, and marine craft at franchised and other select dealerships, and providing financing to franchised dealerships for the acquisition of new and used inventory. Products and services are delivered through highly specialized relationship-focused bankers and product partners. Regional Banking and The Huntington Private Client Group - The core business of The Huntington Private Client Group is The Huntington Private Bank, which consists of Private Banking, Wealth & Investment Management, and Retirement Plan Services. The Huntington Private Bank provides high net-worth customers with deposit, lending (including specialized lending options), and banking services. The Huntington Private Bank also delivers wealth management and legacy planning through investment and portfolio management, fiduciary administration, and trust services. This group also provides retirement plan services to corporate businesses. The Huntington Private Client Group provides corporate trust services and institutional and mutual fund custody services. Listed in the table below is certain operating basis financial information reconciled to Huntington’s December 31, 2019 , December 31, 2018 , and December 31, 2017 , reported results by business segment: Income Statements (dollar amounts in millions) Consumer & Business Banking Commercial Banking Vehicle Finance RBHPCG Treasury / Other Huntington Consolidated 2019 Net interest income $ 1,766 $ 1,037 $ 397 $ 198 $ (185 ) $ 3,213 Provision (benefit) for credit losses 114 132 44 (3 ) — 287 Noninterest income 825 359 12 198 60 1,454 Noninterest expense 1,673 564 148 256 80 2,721 Provision (benefit) for income taxes 169 147 45 30 (143 ) 248 Net income (loss) $ 635 $ 553 $ 172 $ 113 $ (62 ) $ 1,411 2018 Net interest income $ 1,727 $ 1,013 $ 392 $ 203 $ (146 ) $ 3,189 Provision (benefit) for credit losses 137 42 55 1 — 235 Noninterest income 744 321 11 193 52 1,321 Noninterest expense 1,699 502 143 244 59 2,647 Provision (benefit) for income taxes 133 166 43 32 (139 ) 235 Net income (loss) $ 502 $ 624 $ 162 $ 119 $ (14 ) $ 1,393 2017 Net interest income $ 1,581 $ 975 $ 427 $ 209 $ (190 ) $ 3,002 Provision (benefit) for credit losses 105 33 63 — — 201 Noninterest income 740 286 14 189 78 1,307 Noninterest expense 1,641 465 141 239 228 2,714 Provision (benefit) for income taxes 201 267 83 56 (399 ) 208 Net income (loss) $ 374 $ 496 $ 154 $ 103 $ 59 $ 1,186 Assets at December 31, Deposits at December 31, (dollar amounts in millions) 2019 2018 2019 2018 Consumer & Business Banking $ 25,073 $ 27,486 $ 51,675 $ 50,300 Commercial Banking 34,337 34,818 20,762 23,185 Vehicle Finance 20,155 19,435 376 346 RBHPCG 6,665 6,540 6,370 6,809 Treasury / Other 22,772 20,502 3,164 4,134 Total $ 109,002 $ 108,781 $ 82,347 $ 84,774

QUARTERLY RESULTS OF OPERATIONS

QUARTERLY RESULTS OF OPERATIONS (UNAUDITED)	12 Months Ended
	Dec. 31, 2019
Quarterly Financial Information Disclosure [Abstract]
QUARTERLY RESULTS OF OPERATIONS (UNAUDITED)	Quarterly Results of Operations (unaudited) The following is a summary of the quarterly results of operations, for the years ended December 31, 2019 and 2018 : Three Months Ended December 31, September 30, June 30, March 31, (dollar amounts in millions, except per share data) 2019 2019 2019 2019 Interest income $ 1,011 $ 1,052 $ 1,068 $ 1,070 Interest expense 231 253 256 248 Net interest income 780 799 812 822 Provision for credit losses 79 82 59 67 Noninterest income 372 389 374 319 Noninterest expense 701 667 700 653 Income before income taxes 372 439 427 421 Provision for income taxes 55 67 63 63 Net income 317 372 364 358 Dividends on preferred shares 19 18 18 19 Net income applicable to common shares $ 298 $ 354 $ 346 $ 339 Net income per common share — Basic $ 0.29 $ 0.34 $ 0.33 $ 0.32 Net income per common share — Diluted 0.28 0.34 0.33 0.32 Three Months Ended December 31, September 30, June 30, March 31, (dollar amounts in millions, except per share data) 2018 2018 2018 2018 Interest income $ 1,056 $ 1,007 $ 972 $ 914 Interest expense 223 205 188 144 Net interest income 833 802 784 770 Provision for credit losses 60 53 56 66 Noninterest income 329 342 336 314 Noninterest expense 711 651 652 633 Income before income taxes 391 440 412 385 Provision (benefit) for income taxes 57 62 57 59 Net income 334 378 355 326 Dividends on preferred shares 19 18 21 12 Net income applicable to common shares $ 315 $ 360 $ 334 $ 314 Net income per common share — Basic $ 0.30 $ 0.33 $ 0.30 $ 0.29 Net income per common share — Diluted 0.29 0.33 0.30 0.28

SIGNIFICANT ACCOUNTING POLICI_2

SIGNIFICANT ACCOUNTING POLICIES (Policies)	12 Months Ended
	Dec. 31, 2019
Accounting Policies [Abstract]
Nature of Operations [Text Block]	Nature of Operations — Huntington Bancshares Incorporated (Huntington or the Company) is a multi-state diversified regional bank holding company organized under Maryland law in 1966 and headquartered in Columbus, Ohio. Through its subsidiaries, including its bank subsidiary, The Huntington National Bank (the Bank), Huntington is engaged in providing full-service commercial, small business, consumer banking services, mortgage banking services, automobile financing, recreational vehicle and marine financing, equipment leasing, investment management, trust services, brokerage services, insurance programs, and other financial products and services. Huntington’s banking offices are located in Ohio, Illinois, Michigan, Pennsylvania, Indiana, West Virginia, and Kentucky. Select financial services and other activities are also conducted in various other states. International banking services are available through the headquarters office in Columbus, Ohio.
Basis of Presentation	Basis of Presentation — The Consolidated Financial Statements include the accounts of Huntington and its majority-owned subsidiaries and are presented in accordance with GAAP. All intercompany transactions and balances are eliminated in consolidation. Entities in which Huntington holds a controlling financial interest are consolidated. For a voting interest entity, a controlling financial interest is generally where Huntington holds, directly or indirectly, more than 50 percent of the outstanding voting shares. For a variable interest entity (VIE), a controlling financial interest is where Huntington has the power to direct the activities of an entity that most significantly impact the entity’s economic performance and has an obligation to absorb losses or the right to receive benefits from the VIE. For consolidated entities where Huntington holds less than a 100% interest, Huntington recognizes non-controlling interest (included in shareholders’ equity) for the equity held by minority shareholders and non-controlling profit or loss (included in noninterest expense) for the portion of the entity’s earnings attributable to minority interests. Investments in companies that are not consolidated are accounted for using the equity method when Huntington has the ability to exert significant influence. Investments in nonmarketable equity securities for which Huntington does not have the ability to exert significant influence are generally accounted for using the cost method adjusted for change in observable prices. Investments in private investment partnerships that are accounted for under the equity method or the cost method are included in other assets and Huntington’s earnings in equity investments are included in other noninterest income. Investments accounted for under the cost and equity methods are periodically evaluated for impairment. The preparation of financial statements in conformity with GAAP requires management to make estimates and assumptions that significantly affect amounts reported in the Consolidated Financial Statements. Huntington utilizes processes that involve the use of significant estimates and the judgments of management in determining the amount of its allowance for credit losses, income taxes, as well as fair value measurements of investment securities, derivative instruments, goodwill, other intangible assets, pension assets and liabilities, short-term borrowings, mortgage servicing rights, and loans held for sale. As with any estimate, actual results could differ from those estimates. For statements of cash flows purposes, cash and cash equivalents are defined as the sum of cash and due from banks and interest-bearing deposits at Federal Reserve Bank. Certain prior period amounts have been reclassified to conform to the current year’s presentation.
Resale and Repurchase Agreements	Resale and Repurchase Agreements — Securities purchased under agreements to resell and securities sold under agreements to repurchase are treated as collateralized financing transactions and are recorded at the amounts at which the securities were acquired or sold plus accrued interest. The fair value of collateral either received from or provided to a third-party is monitored and additional collateral is obtained or requested to be returned to Huntington in accordance with the agreement.
Securities	Securities — Securities purchased with the intention of recognizing short-term profits or which are actively bought and sold are classified as trading account securities and reported at fair value. The unrealized gains or losses on trading account securities are recorded in other noninterest income, except for gains and losses on trading account securities used to economically hedge the fair value of MSRs, which are included in mortgage banking income. Debt securities purchased that Huntington has the positive intent and ability to hold to their maturity are classified as held-to-maturity securities. Held-to-maturity securities are recorded at amortized cost. All other debt and equity securities are classified as available-for-sale securities and other securities, respectively. Unrealized gains or losses on available-for-sale securities are reported as a separate component of accumulated OCI in the Consolidated Statements of Changes in Shareholders’ Equity. Credit-related declines in the value of debt securities that are considered OTTI are recorded in noninterest income. Huntington evaluates its investment securities portfolio on a quarterly basis for indicators of OTTI. Huntington assesses whether OTTI has occurred when the fair value of a debt security is less than the amortized cost at the balance sheet date. Management reviews the amount of unrealized loss, the length of time the security has been in an unrealized loss position, the credit rating history, market trends of similar security classes, time remaining to maturity, and the source of both interest and principal payments to identify securities which could potentially be impaired. For those debt securities that Huntington intends to sell or is more likely than not required to sell, before the recovery of their amortized cost bases, the difference between fair value and amortized cost is considered to be OTTI and is recognized in noninterest income. For those debt securities that Huntington does not intend to sell or is not more likely than not required to sell, prior to expected recovery of amortized cost bases, the credit portion of the OTTI is recognized in noninterest income while the noncredit portion is recognized in OCI. In determining the credit portion, Huntington uses a discounted cash flow analysis, which includes evaluating the timing and amount of the expected cash flows. Non-credit-related OTTI results from other factors, including increased liquidity spreads and higher interest rates. Presentation of OTTI is made in the Consolidated Statements of Income on a gross basis with a reduction for the amount of OTTI recognized in OCI. Securities transactions are recognized on the trade date (the date the order to buy or sell is executed). The carrying value plus any related accumulated OCI balance of sold securities is used to compute realized gains and losses. Interest on securities, including amortization of premiums and accretion of discounts using the effective interest method over the period to maturity, is included in interest income.
Loans and Leases	Loans and Leases — Loans and direct financing leases for which Huntington has the intent and ability to hold for the foreseeable future, or until maturity or payoff, are classified in the Consolidated Balance Sheets as loans and leases. Except for purchase credit impaired loans and loans for which the fair value option has been elected, loans and leases are carried at the principal amount outstanding, net of charge-offs, unamortized deferred loan origination fees and costs, premiums and discounts, and unearned income. Direct financing leases are reported at the aggregate of lease payments receivable and estimated residual values, net of unearned and deferred income, and any initial direct costs incurred to originate these leases. Interest income is accrued as earned using the interest method. Huntington defers the fees it receives from the origination of loans and leases, as well as the direct costs of those activities. Huntington also acquires loans at premiums and/or discounts to their contractual values. Huntington amortizes loan discounts, premiums, and net loan origination fees and costs over the contractual lives of the related loans using the effective interest method. Troubled debt restructurings are loans for which the original contractual terms have been modified to provide a concession to a borrower experiencing financial difficulties. Loan modifications are considered TDRs when the concessions provided are not available to the borrower through either normal channels or other sources. However, not all loan modifications are TDRs. Modifications resulting in troubled debt restructurings may include changes to one or more terms of the loan, including but not limited to, a change in interest rate, an extension of the repayment period, a reduction in payment amount, and partial forgiveness or deferment of principal or accrued interest. Impairment of the residual values of direct financing leases is evaluated quarterly, with impairment arising if the expected fair value is less than the carrying amount. Huntington assesses net investments in leases (including residual values) for impairment and recognizes impairment losses in accordance with the impairment guidance for financial instruments. As such, net investments in leases may be reduced by an allowance for credit losses, with changes recognized as provision expense. For leased equipment, the residual component of a direct financing lease represents the estimated fair value of the leased equipment at the end of the lease term. Huntington uses industry data, historical experience, and independent appraisals to establish these residual value estimates. Additional information regarding product life cycle, product upgrades, as well as insight into competing products are obtained through relationships with industry contacts and are factored into residual value estimates where applicable.
Loans Held for Sale	Loans Held for Sale — Loans in which Huntington does not have the intent and ability to hold for the foreseeable future are classified as loans held for sale. Loans held for sale are carried at (a) the lower of cost or fair value less costs to sell, or (b) fair value where the fair value option is elected. The fair value option is generally elected for mortgage loans originated with the intent to sell to facilitate hedging of the loans. The fair value of such loans is estimated based on the inputs that include prices of mortgage backed securities adjusted for other variables such as, interest rates, expected credit defaults and market discount rates. The adjusted value reflects the price we expect to receive from the sale of such loans.
Nonaccrual and Past Due Loans	Nonaccrual and Past Due Loans — Loans are considered past due when the contractual amounts due with respect to principal and interest are not received within 30 days of the contractual due date. Any loan in any portfolio may be placed on nonaccrual status prior to the policies described below when collection of principal or interest is in doubt. When a borrower with debt is discharged in a Chapter 7 bankruptcy and the debt is not reaffirmed by the borrower, the loan is determined to be collateral dependent and placed on nonaccrual status, unless there is a co-borrower or the repayment is likely to occur based on objective evidence. All classes within the C&I and CRE portfolios are placed on nonaccrual status at 90 -days past due. First-lien home equity loans are placed on nonaccrual status at 150 -days past due. Junior-lien home equity loans are placed on nonaccrual status at the earlier of 120 -days past due or when the related first-lien loan has been identified as nonaccrual. Automobile, RV and marine and other consumer loans are placed on non-accrual, if not charged off, when the loan is 120 -days past due. Residential mortgage loans are placed on nonaccrual status at 150 -days past due, with the exception of residential mortgages guaranteed by government agencies which continue to accrue interest at the rate guaranteed by the government agency. For all classes within all loan portfolios, when a loan is placed on nonaccrual status, any accrued interest income, to the extent it is recognized in the current year, is reversed and charged to interest income. For all classes within all loan portfolios, cash receipts on NALs are applied against principal until the loan or lease has been collected in full, including the charged-off portion, after which time any additional cash receipts are recognized as interest income. However, for secured non-reaffirmed debt in a Chapter 7 bankruptcy, payments are applied to principal and interest when the borrower has demonstrated a capacity to continue payment of the debt and collection of the debt is reasonably assured. For unsecured non-reaffirmed debt in a Chapter 7 bankruptcy where the carrying value has been fully charged-off, payments are recorded as loan recoveries. Within the C&I and CRE portfolios, the determination of a borrower’s ability to make the required principal and interest payments is based on an examination of the borrower’s current financial statements, industry, management capabilities, and other qualitative measures. For all classes within the consumer loan portfolio, the determination of a borrower’s ability to make the required principal and interest payments is based on multiple factors, including number of days past due and, in some instances, an evaluation of the borrower’s financial condition. When, in management’s judgment, the borrower’s ability to make required principal and interest payments resumes and collectability is no longer in doubt, supported by sustained repayment history, the loan is returned to accrual status. For loans that are returned to accrual status, cash receipts are applied according to the contractual terms of the loan.
Allowance for Credit Losses	Allowance for Credit Losses — Huntington maintains two reserves, both of which reflect management’s judgment regarding the appropriate level necessary to absorb credit losses inherent in our loan and lease portfolio: the ALLL and the AULC. Combined, these reserves comprise the total ACL. The determination of the ACL requires significant estimates, including the timing and amounts of expected future cash flows on impaired loans and leases, consideration of current economic conditions, and historical loss experience pertaining to pools of homogeneous loans and leases, all of which may be susceptible to change. The appropriateness of the ACL is based on management’s current judgments about the credit quality of the loan portfolio. These judgments consider on-going evaluations of the loan and lease portfolio, including such factors as the differing economic risks associated with each loan category, the financial condition of specific borrowers, the level of delinquent loans, the value of any collateral and, where applicable, the existence of any guarantees or other documented support. Further, management evaluates the impact of changes in interest rates and overall economic conditions on the ability of borrowers to meet their financial obligations when quantifying our exposure to credit losses and assessing the appropriateness of our ACL at each reporting date. The ALLL consists of two components: (1) the transaction reserve and (2) the general reserve. The transaction reserve component includes both (1) an estimate of loss based on pools of commercial and consumer loans and leases with similar characteristics and (2) an estimate of loss based on an impairment review of each impaired C&I and CRE loan where obligor balance is greater than $1 million . For the C&I and CRE portfolios, the estimate of loss based on pools of loans and leases with similar characteristics is made by applying PD and LGD factors to each individual loan based on a regularly updated loan grade, using a standardized loan grading system. The PD and LGD factors are determined for each loan grade using statistical models based on historical performance data. The PD factor considers on-going reviews of the financial performance of the specific borrower, including cash flow, debt-service coverage ratio, earnings power, debt level, and equity position, in conjunction with an assessment of the borrower’s industry and future prospects. The LGD factor considers analysis of the type of collateral and the relative LTV ratio. These reserve factors are developed based on credit migration models that track historical movements of loans between loan ratings over time and a combination of long-term average loss experience of our own portfolio and external industry data. In the case of more homogeneous portfolios, such as automobile loans, home equity loans, and residential mortgage loans, the determination of the transaction reserve also incorporates PD and LGD factors. The estimate of loss is based on pools of loans and leases with similar characteristics. The PD factor considers current credit scores unless the account is delinquent, in which case a higher PD factor is used driven by the associated delinquency status. The credit score provides a basis for understanding the borrower’s past and current payment performance, and this information is used to estimate expected losses over the loss emergence period. The performance of first-lien loans ahead of our junior-lien loans is available to use as part of our updated score process. The LGD factor considers analysis of the type of collateral and the relative LTV ratio. Credit scores, models, analyses, and other factors used to determine both the PD and LGD factors are updated frequently to capture the recent behavioral characteristics of the subject portfolios, as well as any changes in loss mitigation or credit origination strategies, and adjustments to the reserve factors are made as required. The general reserve consists of various risk-profile reserve components. The risk-profile components consider items unique to our structure, policies, processes, and portfolio composition, as well as qualitative measurements and assessments of the loan portfolios including, but not limited to, concentrations, portfolio composition, industry comparisons, and internal review functions. The estimate for the AULC is determined using the same procedures and methodologies as used for the ALLL. The loss factors used in the AULC are the same as the loss factors used in the ALLL while also considering historical utilization of unused commitments. The AULC is recorded in other liabilities in the Consolidated Balance Sheets.
Charge-off of Uncollectible Loans	Charge-off of Uncollectible Loans — Any loan in any portfolio may be charged-off prior to the policies described below if a loss confirming event has occurred. Loss confirming events include, but are not limited to, bankruptcy (unsecured), continued delinquency, foreclosure, or receipt of an asset valuation indicating a collateral deficiency and that asset is the sole source of repayment. Additionally, discharged, collateral dependent non-reaffirmed debt in Chapter 7 bankruptcy filings will result in a charge-off to estimated collateral value, less anticipated selling costs, unless the repayment is likely to occur based on objective evidence. C&I and CRE loans are generally either charged-off or written down to net realizable value at 90 -days past due. Automobile, RV and marine and other consumer loans are generally charged-off at 120 -days past due. First-lien and junior-lien home equity loans are charged-off to the estimated fair value of the collateral, less anticipated selling costs, at 150 -days past due and 120 -days past due, respectively. Residential mortgages are charged-off to the estimated fair value of the collateral at 150 -days past due.
Impaired Loans	Impaired Loans — For all classes within the C&I and CRE portfolios, loans with an obligor balance of $1 million or greater are evaluated on a quarterly basis for impairment. Except for TDRs, consumer loans within any class are generally not individually evaluated on a regular basis for impairment. All TDRs, regardless of the outstanding balance amount, are also considered to be impaired. Once a loan has been identified for an assessment of impairment, the loan is considered impaired when, based on current information and events, it is probable that all amounts due according to the contractual terms of the loan agreement will not be collected. This determination requires significant judgment and use of estimates, and the eventual outcome may differ significantly from those estimates. When a loan in any class has been determined to be impaired, the amount of the impairment is measured using the present value of expected future cash flows discounted at the loan’s effective interest rate or, as a practical expedient, the observable market price of the loan, or the fair value of the collateral, less anticipated selling costs, if the loan is collateral dependent. A specific reserve is established as a component of the ALLL when a loan has been determined to be impaired. Subsequent to the initial measurement of impairment, if there is a significant change to the impaired loan’s expected future cash flows, or if actual cash flows are significantly different from the cash flows previously estimated, Huntington recalculates the impairment and appropriately adjusts the specific reserve. Similarly, if Huntington measures impairment based on the observable market price of an impaired loan or the fair value of the collateral of an impaired collateral dependent loan, Huntington will adjust the specific reserve as appropriate. When a loan within any class is impaired, the accrual of interest income is discontinued unless the receipt of principal and interest is no longer in doubt. Interest income on TDRs is accrued when all principal and interest is expected to be collected under the post-modification terms. Cash receipts on nonaccruing impaired loans within any class are generally applied entirely against principal until the loan has been collected in full (including any portion charged-off) or the loan is deemed current, after which time any additional cash receipts are recognized as interest income. Cash receipts on accruing impaired loans within any class are applied in the same manner as accruing loans that are not considered impaired.
Collateral	Collateral — We pledge assets as collateral as required for various transactions including security repurchase agreements, public deposits, loan notes, derivative financial instruments, short-term borrowings and long-term borrowings. Assets that have been pledged as collateral, including those that can be sold or repledged by the secured party, continue to be reported on our Consolidated Balance Sheets. We also accept collateral, primarily as part of various transactions including derivative instruments and security resale agreements. Collateral accepted by us is excluded from our Consolidated Balance Sheets.
Premises and Equipment	Premises and Equipment — Premises and equipment are stated at cost, less accumulated depreciation and amortization. Depreciation is computed principally by the straight-line method over the estimated useful lives of the related assets. Buildings and building improvements are depreciated over an average of 30 to 40 years and 10 to 30 years, respectively. Land improvements and furniture and fixtures are depreciated over an average of 5 to 20 years, while equipment is depreciated over a range of 3 to 10 years. Leasehold improvements are amortized over the lesser of the asset’s useful life or the lease term, including any renewal periods for which renewal is reasonably assured. Maintenance and repairs are charged to expense as incurred, while improvements that extend the useful life of an asset are capitalized and depreciated over the remaining useful life. Amounts in premises and equipment may include items classified as held-for-sale, which are carried at lower of cost or fair value, less costs to sell. Premises and equipment are evaluated for impairment whenever events or changes in circumstances indicate that the carrying amount of the asset may not be recoverable.
Mortgage Servicing Rights	Mortgage Servicing Rights — Huntington recognizes the rights to service mortgage loans as an asset when servicing is contractually separated from the underlying mortgage loans by sale or securitization of the loans with servicing rights retained or when purchased. MSRs are included in servicing rights and other intangible assets in the Consolidated Balance Sheets. For loan sales with servicing retained, a servicing asset is recorded on the day of the sale, at fair value, for the right to service the loans sold. To determine the fair value of a MSR, Huntington uses an option adjusted spread cash flow analysis incorporating market implied forward interest rates to estimate the future direction of mortgage and market interest rates. The forward rates utilized are derived from the current yield curve for U.S. dollar interest rate swaps and are consistent with pricing of capital markets instruments. The current and projected mortgage interest rate influences the prepayment rate and, therefore, the timing and magnitude of the cash flows associated with the MSR. Servicing revenues on mortgage loans are included in mortgage banking income. At the time of initial capitalization, MSRs may be grouped into servicing classes based on the availability of market inputs used in determining fair value and the method used for managing the risks of the servicing assets. MSR assets are recorded using the fair value method or the amortization method. The election of the fair value or amortization method is made at the time each servicing class is established. All newly created MSRs since 2009 were recorded using the amortization method. Any change in the fair value of MSRs carried under the fair value method, as well as amortization and impairment of MSRs under the amortization method, during the period is recorded in mortgage banking income. Huntington economically hedges the value of certain MSRs using derivative instruments and trading securities. Changes in fair value of these derivatives and trading securities are reported as a component of mortgage banking income.
Goodwill and Other Intangible Assets	Goodwill and Other Intangible Assets — Under the acquisition method of accounting, the net assets of entities acquired by Huntington are recorded at their estimated fair value at the date of acquisition. The excess cost of consideration paid over the fair value of net assets acquired is recorded as goodwill. Other intangible assets with finite useful lives are amortized either on an accelerated or straight-line basis over their estimated useful lives. Goodwill is evaluated for impairment on an annual basis at October 1 st of each year or whenever events or changes in circumstances indicate that the carrying value may not be recoverable. Other intangible assets are reviewed for impairment whenever events or changes in circumstances indicate that the carrying amount of the asset may not be recoverable.
Derivative Financial Instruments	Derivative Financial Instruments — A variety of derivative financial instruments, principally interest rate swaps, caps, floors, and collars, are used in asset and liability management activities to protect against the risk of adverse price or interest rate movements. These instruments provide flexibility in adjusting Huntington’s sensitivity to changes in interest rates without exposure to loss of principal and higher funding requirements. Huntington also uses derivatives, principally loan sale commitments, in hedging its mortgage loan interest rate lock commitments and its mortgage loans held for sale. Mortgage loan sale commitments and the related interest rate lock commitments are carried at fair value on the Consolidated Balance Sheets with changes in fair value reflected in mortgage banking income. Huntington also uses certain derivative financial instruments to offset changes in value of its MSRs. These derivatives consist primarily of forward interest rate agreements and forward mortgage contracts. The derivative instruments used are not designated as qualifying hedges. Accordingly, such derivatives are recorded at fair value with changes in fair value reflected in mortgage banking income. Derivative financial instruments are recorded in the Consolidated Balance Sheets as either an asset or a liability (in other assets and other liabilities, respectively) and measured at fair value. On the date a derivative contract is entered into, we designate it as either: • a qualifying hedge of the fair value of a recognized asset or liability or of an unrecognized firm commitment (fair value hedge); • a qualifying hedge of the variability of cash flows to be received or paid related to a recognized asset, liability or forecasted transaction (cash flow hedge); or • a trading instrument or a non-qualifying (economic) hedge. Changes in the fair value of a derivative that has been designated and qualifies as a fair value hedge, along with the changes in the fair value of the hedged asset or liability that is attributable to the hedged risk, are recorded in current period earnings. Changes in the fair value of a derivative that has been designated and qualifies as a cash flow hedge are recorded in other comprehensive income, net of income taxes, and reclassified into earnings in the period during which the hedged item affects earnings. Changes in the fair value of derivatives held for trading purposes or which do not qualify for hedge accounting are reported in current period earnings. For those derivatives to which hedge accounting is applied, Huntington formally documents the hedging relationship and the risk management objective and strategy for undertaking the hedge. This documentation identifies the hedging instrument, the hedged item or transaction, the nature of the risk being hedged, and, unless the hedge meets all of the criteria to assume there is no ineffectiveness, the method that will be used to assess the effectiveness of the hedging instrument. The methods utilized to assess retrospective hedge effectiveness, as well as the frequency of testing, vary based on the type of item being hedged and the designated hedge period. For specifically designated fair value hedges of certain fixed-rate debt, Huntington utilizes the short-cut method when certain criteria are met. For other fair value hedges of fixed-rate debt, Huntington utilizes the regression method to evaluate hedge effectiveness on a quarterly basis. Hedge accounting is discontinued prospectively when: • the derivative is no longer effective or expected to be effective in offsetting changes in the fair value or cash flows of a hedged item (including firm commitments or forecasted transactions); • the derivative expires or is sold, terminated, or exercised; • the forecasted transaction is no longer probable of occurring; • the hedged firm commitment no longer meets the definition of a firm commitment; or • the designation of the derivative as a hedging instrument is removed. When hedge accounting is discontinued and the derivative no longer qualifies as an effective fair value or cash flow hedge, the derivative continues to be carried on the balance sheet at fair value. In the case of a discontinued fair value hedge of a recognized asset or liability, as long as the hedged item continues to exist on the balance sheet, the hedged item will no longer be adjusted for changes in fair value. The basis adjustment that had previously been recorded to the hedged item during the period from the hedge designation date to the hedge discontinuation date is recognized as an adjustment to the yield of the hedged item over the remaining life of the hedged item. In the case of a discontinued cash flow hedge of a recognized asset or liability, as long as the hedged item continues to exist on the balance sheet, the changes in fair value of the hedging derivative will no longer be recorded to other comprehensive income. The balance applicable to the discontinued hedging relationship will be recognized in earnings over the remaining life of the hedged item as an adjustment to yield. If the discontinued hedged item was a forecasted transaction that is not expected to occur, any amounts recorded in accumulated other comprehensive income are immediately reclassified to current period earnings. In the case of either a fair value hedge or a cash flow hedge, if the previously hedged item is sold or extinguished, the basis adjustment to the underlying asset or liability or any remaining unamortized AOCI balance will be recognized in the current period earnings. In all other situations in which hedge accounting is discontinued, the derivative will be carried at fair value on the consolidated balance sheets, with changes in its fair value recognized in current period earnings unless re-designated as a qualifying hedge. Like other financial instruments, derivatives contain an element of credit risk, which is the possibility that Huntington will incur a loss because the counterparty fails to meet its contractual obligations. Notional values of interest rate swaps and other off-balance sheet financial instruments significantly exceed the credit risk associated with these instruments and represent contractual balances on which calculations of amounts to be exchanged are based. Credit exposure is limited to the sum of the aggregate fair value of positions that have become favorable to Huntington, including any accrued interest receivable due from counterparties. Potential credit losses are mitigated through careful evaluation of counterparty credit standing, selection of counterparties from a limited group of high quality institutions, collateral agreements, and other contract provisions. Huntington considers the value of collateral held and collateral provided in determining the net carrying value of derivatives. Huntington offsets the fair value amounts recognized for derivative instruments and the fair value for the right to reclaim cash collateral or the obligation to return cash collateral arising from derivative instrument(s) recognized at fair value executed with the same counterparty under a master netting arrangement.
Fair Value Measurements	Fair Value Measurements — The Company records or discloses certain of its assets and liabilities at fair value. Fair value is defined as the exchange price that would be received for an asset or paid to transfer a liability (an exit price) in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants on the measurement date. Fair value measurements are classified within one of three levels in a valuation hierarchy based upon the observability of inputs to the valuation of an asset or liability as of the measurement date. The three levels are defined as follows: • Level 1 – inputs to the valuation methodology are quoted prices (unadjusted) for identical assets or liabilities in active markets. • Level 2 – inputs to the valuation methodology include quoted prices for similar assets and liabilities in active markets, and inputs that are observable for the asset or liability, either directly or indirectly, for substantially the full term of the financial instrument. • Level 3 – inputs to the valuation methodology are unobservable and significant to the fair value measurement. A financial instrument’s categorization within the valuation hierarchy is based upon the lowest level of input that is significant to the fair value measurement.
Bank Owned Life Insurance [Policy Text Block]	Bank Owned Life Insurance — Huntington’s bank owned life insurance policies are recorded at their cash surrender value. Huntington recognizes tax-exempt income from the periodic increases in the cash surrender value of these policies and from death benefits. A portion of the cash surrender value is supported by holdings in separate accounts. Book value protection for the separate accounts is provided by the insurance carriers and a highly rated major bank.
Transfers of Financial Assets and Securitizations	Transfers of Financial Assets and Securitizations — Transfers of financial assets in which we have surrendered control over the transferred assets are accounted for as sales. In assessing whether control has been surrendered, we consider whether the transferee would be a consolidated affiliate, the existence and extent of any continuing involvement in the transferred financial assets, and the impact of all arrangements or agreements made contemporaneously with, or in contemplation of, the transfer, even if they were not entered into at the time of transfer. Control is generally considered to have been surrendered when (i) the transferred assets have been legally isolated from us or any of our consolidated affiliates, even in bankruptcy or other receivership, (ii) the transferee (or, if the transferee is an entity whose sole purpose is to engage in securitization or asset-backed financing that is constrained from pledging or exchanging the assets it receives, each third-party holder of its beneficial interests) has the right to pledge or exchange the assets (or beneficial interests) it received without any constraints that provide more than a trivial benefit to us, and (iii) neither we nor our consolidated affiliates and agents have (a) both the right and obligation under any agreement to repurchase or redeem the transferred assets before their maturity, (b) the unilateral ability to cause the holder to return specific financial assets that also provides us with a more-than-trivial benefit (other than through a cleanup call) or (c) an agreement that permits the transferee to require us to repurchase the transferred assets at a price so favorable that it is probable that it will require us to repurchase them. If the sale criteria are met, the transferred financial assets are removed from our balance sheet and a gain or loss on sale is recognized. If the sale criteria are not met, the transfer is recorded as a secured borrowing in which the assets remain on our balance sheet and the proceeds from the transaction are recognized as a liability. For the majority of financial asset transfers, it is clear whether or not we have surrendered control. For other transfers, such as in the case of complex transactions or where we have continuing involvement, we generally obtain a legal opinion as to whether the transfer results in a true sale by law. Gains and losses on the loans and leases sold and servicing rights associated with loan and lease sales are determined when the related loans or leases are sold to either a securitization trust or third-party. For loan or lease sales with servicing retained, a servicing asset is recorded at fair value for the right to service the loans sold.
Pension and Other Postretirement Benefits	Pension and Other Postretirement Benefits — Huntington recognizes the funded status of the postretirement benefit plans on the Consolidated Balance Sheets. Net postretirement benefit cost charged to current earnings related to these plans is predominantly based on various actuarial assumptions regarding expected future experience. Certain employees are participants in various defined contribution and other non-qualified supplemental retirement plans. Contributions to defined contribution plans are charged to current earnings. In addition, we maintain a 401(k) plan covering substantially all employees. Employer contributions to the plan are charged to current earnings.
Noninterest Income, Policy [Policy Text Block]	Noninterest Income — Huntington recognizes revenue when the performance obligations related to the transfer of goods or services under the terms of a contract are satisfied. Some obligations are satisfied at a point in time while others are satisfied over a period of time. Revenue is recognized as the amount of consideration to which Huntington expects to be entitled to in exchange for transferring goods or services to a customer. When consideration includes a variable component, the amount of consideration attributable to variability is included in the transaction price only to the extent it is probable that significant revenue recognized will not be reversed when uncertainty associated with the variable consideration is subsequently resolved. Generally, the variability relating to the consideration is explicitly stated in the contracts, but may also arise from Huntington’s customer business practices, for example, waiving certain fees related to customer’s deposit accounts such as NSF fees. Huntington’s contracts generally do not contain terms that require significant judgement to determine the variability impacting the transaction price. Revenue is segregated based on the nature of product and services offered as part of contractual arrangements. Revenue from contracts with customers is broadly segregated as follows: • Service charges on deposit accounts include fees and other charges Huntington receives to provide various services, including but not limited to, maintaining an account with a customer, providing overdraft services, wire transfer, transferring funds, and accepting and executing stop-payment orders. The consideration includes both fixed (e.g., account maintenance fee) and transaction fees (e.g., wire-transfer fee). The fixed fee is recognized over a period of time while the transaction fee is recognized when a specific service (e.g., execution of wire-transfer) is rendered to the customer. Huntington may, from time to time, waive certain fees (e.g., NSF fee) for customers but generally does not reduce the transaction price to reflect variability for future reversals due to the insignificance of the amounts. Waiver of fees reduces the revenue in the period the waiver is granted to the customer. • Card and payment processing income includes interchange fees earned on debit cards and credit cards. All other fees (e.g., annual fees), and interest income are recognized in accordance with ASC 310. Huntington recognizes interchange fees for services performed related to authorization and settlement of a cardholder’s transaction with a merchant. Revenue is recognized when a cardholder’s transaction is approved and settled. Certain volume or transaction based interchange expenses (net of rebates) paid to the payment network reduce the interchange revenue and are presented net on the income statement. Similarly, rewards payable under a reward program to cardholders are recognized as a reduction of the transaction price and are presented net against the interchange revenue. • Trust and investment management services includes fee income generated from personal, corporate and institutional customers. Huntington also provides investment management services, cash management services and tax reporting to customers. Services are rendered over a period of time, over which revenue is recognized. Huntington may also recognize revenue from referring a customer to outside third-parties including mutual fund companies that pay distribution (12b-1) fees and other expenses. 12b-1 fees are received upon initially placing account holder’s funds with a mutual fund company as well as in the future periods as long as the account holder (i.e., the fund investor), remains invested in the fund. The transaction price includes variable consideration which is considered constrained as it is not probable that a significant revenue reversal in the amount of cumulative revenue recognized will not occur. Accordingly, those fees are recognized as revenue when the uncertainty associated with the variable consideration is subsequently resolved, that is, initial fees are recognized in the initial period while the future fees are recognized in future periods. • Insurance income includes agency commissions that are recognized when Huntington sells insurance policies to customers. Huntington is also entitled to renewal commissions and, in some cases, profit sharing which are recognized in subsequent periods. The initial commission is recognized when the insurance policy is sold to a customer. Renewal commission is variable consideration and is recognized in subsequent periods when the uncertainty around variable consideration is subsequently resolved (i.e., when customer renews the policy). Profit sharing is also a variable consideration that is not recognized until the variability surrounding realization of revenue is resolved (i.e., Huntington has reached a minimum volume of sales). Another source of variability is the ability of the policy holder to cancel the policy anytime. In such cases, Huntington may be required, under the terms of the contract, to return part of the commission received. A policy cancellation reserve is established for such expected cancellations. • Other noninterest income includes a variety of other revenue streams including capital markets revenue, miscellaneous consumer fees and marketing allowance revenue. Revenue is recognized when, or as, a performance obligation is satisfied. Inherent variability in the transaction price is not recognized until the uncertainty affecting the variability is resolved. Control is transferred to a customer either at a point in time or over time. A performance obligation is deemed satisfied when the control over goods or services is transferred to the customer. To determine when control is transferred at a point in time, Huntington considers indicators, including but not limited to the right to payment for the asset, transfer of significant risk and rewards of ownership of the asset and acceptance of the asset by the customer. Revenue is recorded in the business segment responsible for the related product or service. Fee sharing arrangements exist to allocate portions of such revenue to other business segments involved in selling to, or providing service to, customers. Business segment results are determined based upon management’s reporting system, which assigns balance sheet and income statement items to each of the business segments. The process is designed around Huntington’s organizational and management structure and, accordingly, the results derived are not necessarily comparable with similar information published by other financial institutions.
Income Taxes	Income Taxes — Income taxes are accounted for under the asset and liability method. Accordingly, deferred tax assets and liabilities are recognized for the future book and tax consequences attributable to temporary differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax bases. Deferred tax assets and liabilities are determined using enacted tax rates expected to apply in the year in which those temporary differences are expected to be recovered or settled. The effect on deferred tax assets and liabilities of a change in tax rates is recognized in income at the time of enactment of such change in tax rates. Any interest or penalties due for payment of income taxes are included in the provision for income taxes. To the extent we do not consider it more likely than not that a deferred tax asset will be recovered, a valuation allowance is recorded. All positive and negative evidence is reviewed when determining how much of a valuation allowance is recognized on a quarterly basis. In determining the requirements for a valuation allowance, sources of possible taxable income are evaluated including future reversals of existing taxable temporary differences, future taxable income exclusive of reversing temporary differences and carryforwards, taxable income in appropriate carryback years, and tax-planning strategies. Huntington applies a more likely than not recognition threshold for all tax uncertainties.
Share-Based Compensation	Share-Based Compensation — Huntington uses the fair value based method of accounting for awards of HBAN stock granted to employees under various share-based compensation plans. Share-based compensation costs are recognized prospectively for all new awards granted under these plans. Compensation expense relating to stock options is calculated using a methodology that is based on the underlying assumptions of the Black-Scholes option pricing model and is charged to expense over the requisite service period (e.g., vesting period). Compensation expense relating to restricted stock awards is based upon the fair value of the awards on the date of grant and is charged to earnings over the requisite service period (e.g., vesting period) of the award.
Stock Repurchases	Stock Repurchases — Acquisitions of Huntington stock are recorded at cost.
Segment Results	Segment Results — Accounting policies for the business segments are the same as those used in the preparation of the Consolidated Financial Statements with respect to activities specifically attributable to each business segment. However, the preparation of business segment results requires management to establish methodologies to allocate funding costs and benefits, expenses, and other financial elements to each business segment, which are described in Note 24

LOANS AND LEASES AND ALLOWANC_2

LOANS AND LEASES AND ALLOWANCE FOR CREDIT LOSSES (Tables)	12 Months Ended
	Dec. 31, 2019
Receivables [Abstract]
Asset and liability derivatives included in accrued income and other assets [Table Text Block]	December 31, 2019 December 31, 2018 (dollar amounts in millions) Asset Liability Asset Liability Derivatives designated as Hedging Instruments Interest rate contracts $ 256 $ 36 $ 44 $ 42 Derivatives not designated as Hedging Instruments Interest rate contracts 420 314 261 165 Foreign exchange contracts 19 18 23 19 Commodities contracts 155 152 172 168 Equity contracts 6 1 — 10 Total Contracts $ 856 $ 521 $ 500 $ 404
Schedule of financing receivable portfolio segments	The following table provides a detailed listing of Huntington’s loan and lease portfolio at December 31, 2019 and December 31, 2018 . At December 31, (dollar amounts in millions) 2019 2018 Loans and leases: Commercial and industrial $ 30,664 $ 30,605 Commercial real estate 6,674 6,842 Automobile 12,797 12,429 Home equity 9,093 9,722 Residential mortgage 11,376 10,728 RV and marine 3,563 3,254 Other consumer 1,237 1,320 Loans and leases 75,404 74,900 Allowance for loan and lease losses (783 ) (772 ) Net loans and leases $ 74,621 $ 74,128
Lease financing receivables	The following table presents net investments in lease financing receivables by category at December 31, 2019 and 2018 : At December 31, (dollar amounts in millions) 2019 2018 Commercial and industrial: Lease payments receivable $ 1,841 $ 1,747 Estimated residual value of leased assets 728 726 Gross investment in commercial and industrial lease financing receivables 2,569 2,473 Deferred origination costs 19 20 Deferred fees (249 ) (250 ) Total net investment in commercial and industrial lease financing receivables $ 2,339 $ 2,243
Nonaccrual loans by loan class	The following table presents NALs by loan class at December 31, 2019 and 2018 : December 31, (dollar amounts in millions) 2019 2018 Commercial and industrial $ 323 $ 188 Commercial real estate 10 15 Automobile 4 5 Home equity 59 62 Residential mortgage 71 69 RV and marine 1 1 Other consumer — — Total nonaccrual loans $ 468 $ 340
Aging analysis of loans and leases	The following table presents an aging analysis of loans and leases, including past due loans and leases, by loan class at December 31, 2019 and 2018 : December 31, 2019 Past Due (1) Loans Accounted for Under FVO Total Loans 90 or (dollar amounts in millions) 30-59 60-89 90 or Total Current Commercial and industrial $ 65 $ 31 $ 69 $ 165 $ 30,499 $ — $ 30,664 $ 11 (2) Commercial real estate 3 1 7 11 6,663 — 6,674 — Automobile 95 19 11 125 12,672 — 12,797 8 Home equity 50 19 51 120 8,972 1 9,093 14 Residential mortgage 103 49 170 322 10,974 80 11,376 129 (3) RV and marine 13 4 2 19 3,544 — 3,563 2 Other consumer 13 6 7 26 1,211 — 1,237 7 Total loans and leases $ 342 $ 129 $ 317 $ 788 $ 74,535 $ 81 $ 75,404 $ 171 December 31, 2018 Past Due (1) Loans Accounted for Under FVO Total Loans 90 or (dollar amounts in millions) 30-59 60-89 90 or Total Current Commercial and industrial $ 72 $ 17 $ 51 $ 140 $ 30,465 $ — $ 30,605 $ 7 (2) Commercial real estate 10 — 5 15 6,827 — 6,842 — Automobile 95 19 10 124 12,305 — 12,429 8 Home equity 51 21 56 128 9,593 1 9,722 17 Residential mortgage 108 47 168 323 10,327 78 10,728 131 (3) RV and marine 12 3 2 17 3,237 — 3,254 1 Other consumer 14 7 6 27 1,293 — 1,320 6 Total loans and leases $ 362 $ 114 $ 298 $ 774 $ 74,047 $ 79 $ 74,900 $ 170 (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.
ALLL and AULC activity by portfolio segment	The following table presents ALLL and AULC activity by portfolio segment for the years ended December 31, 2019 , 2018 , and 2017 : (dollar amounts in millions) Commercial Consumer Total Year ended December 31, 2019: ALLL balance, beginning of period $ 542 $ 230 $ 772 Loan charge-offs (165 ) (197 ) (362 ) Recoveries of loans previously charged-off 40 57 97 Provision for loan and lease losses 135 142 277 Allowance for loans sold or transferred to loans held for sale — (1 ) (1 ) ALLL balance, end of period $ 552 $ 231 $ 783 AULC balance, beginning of period $ 94 $ 2 $ 96 Provision (reduction in allowance) for unfunded loan commitments and letters of credit 10 — 10 Unfunded commitment losses (2 ) — (2 ) AULC balance, end of period $ 102 $ 2 $ 104 ACL balance, end of period $ 654 $ 233 $ 887 Year ended December 31, 2018: ALLL balance, beginning of period $ 482 $ 209 $ 691 Loan charge-offs (79 ) (189 ) (268 ) Recoveries of loans previously charged-off 65 58 123 Provision for loan and lease losses 74 152 226 ALLL balance, end of period $ 542 $ 230 $ 772 AULC balance, beginning of period $ 84 $ 3 $ 87 Provision (reduction in allowance) for unfunded loan commitments and letters of credit 10 (1 ) 9 AULC balance, end of period $ 94 $ 2 $ 96 ACL balance, end of period $ 636 $ 232 $ 868 Year ended December 31, 2017: ALLL balance, beginning of period $ 451 $ 187 $ 638 Loan charge-offs (72 ) (180 ) (252 ) Recoveries of loans previously charged-off 41 52 93 Provision for loan and lease losses 62 150 212 ALLL balance, end of period $ 482 $ 209 $ 691 AULC balance, beginning of period $ 87 $ 11 $ 98 Provision (reduction in allowance) for unfunded loan commitments and letters of credit (3 ) (8 ) (11 ) AULC balance, end of period $ 84 $ 3 $ 87 ACL balance, end of period $ 566 $ 212 $ 778
Loan and lease balances by credit quality indicator	The following tables present each loan and lease class by credit quality indicator at December 31, 2019 and 2018 : December 31, 2019 Credit Risk Profile by UCS Classification (dollar amounts in millions) Pass OLEM Substandard Doubtful Total Commercial and industrial $ 28,477 $ 634 $ 1,551 $ 2 $ 30,664 Commercial real estate 6,487 98 88 1 6,674 Credit Risk Profile by FICO Score (1), (2) 750+ 650-749 <650 Other (3) Total Automobile 6,759 4,661 1,377 — 12,797 Home equity 5,763 2,772 557 — 9,092 Residential mortgage 7,976 2,742 578 — 11,296 RV and marine 2,391 1,053 119 — 3,563 Other consumer 546 571 120 — 1,237 December 31, 2018 Credit Risk Profile by UCS Classification (dollar amounts in millions) Pass OLEM Substandard Doubtful Total Commercial and industrial $ 28,807 $ 518 $ 1,269 $ 11 $ 30,605 Commercial real estate 6,586 181 74 1 6,842 Credit Risk Profile by FICO Score (1), (2) 750+ 650-749 <650 Other (3) Total Automobile 6,254 4,520 1,373 282 12,429 Home equity 6,098 2,975 591 56 9,720 Residential mortgage 7,159 2,801 612 78 10,650 RV and marine 2,074 990 105 85 3,254 Other consumer 501 633 129 57 1,320 (1) Excludes loans accounted for under the fair value option. (2) Reflects updated customer credit scores. (3)
Summarized data for impaired loans and the related ALLL by portfolio segment	The following tables present the balance of the ALLL attributable to loans by portfolio segment individually and collectively evaluated for impairment and the related loan and lease balance for the years ended December 31, 2019 and 2018 : (dollar amounts in millions) Commercial Consumer Total ALLL at December 31, 2019 Portion of ALLL balance: Attributable to loans individually evaluated for impairment $ 61 $ 8 $ 69 Attributable to loans collectively evaluated for impairment 491 223 714 Total ALLL balance $ 552 $ 231 $ 783 Loan and Lease Ending Balances at December 31, 2019 (1) Portion of loan and lease ending balances: Individually evaluated for impairment $ 600 $ 574 $ 1,174 Collectively evaluated for impairment 36,738 37,411 74,149 Total loans and leases evaluated for impairment $ 37,338 $ 37,985 $ 75,323 (1) Excludes loans accounted for under the fair value option. (dollar amounts in millions) Commercial Consumer Total ALLL at December 31, 2018 Portion of ALLL balance: Attributable to loans individually evaluated for impairment $ 33 $ 10 $ 43 Attributable to loans collectively evaluated for impairment 509 220 729 Total ALLL balance: $ 542 $ 230 $ 772 Loan and Lease Ending Balances at December 31, 2018 (1) Portion of loan and lease ending balances: Individually evaluated for impairment $ 516 $ 591 $ 1,107 Collectively evaluated for impairment 36,931 36,783 73,714 Total loans and leases evaluated for impairment $ 37,447 $ 37,374 $ 74,821
Detailed impaired loan information by class	The following tables present by class the ending balance, unpaid principal balance, and the related ALLL, along with the average balance and interest income recognized for impaired loans and leases for the years ended December 31, 2019 and 2018 (1): Year Ended December 31, 2019 December 31, 2019 (dollar amounts in millions) Ending Balance Unpaid Principal Balance (2) Related Allowance (3) Average Balance Interest Income Recognized With no related allowance recorded: Commercial and industrial $ 181 $ 215 $ — $ 204 $ 19 Commercial real estate 25 26 — 32 8 With an allowance recorded: Commercial and industrial 366 425 60 312 11 Commercial real estate 28 31 1 31 2 Automobile 43 46 2 40 3 Home equity 284 281 9 300 14 Residential mortgage 293 329 4 288 11 RV and marine 4 4 — 3 — Other consumer 11 11 2 10 — Total Commercial and industrial (4) 547 640 60 516 30 Commercial real estate (5) 53 57 1 63 10 Automobile (6) 43 46 2 40 3 Home equity (7) 284 281 9 300 14 Residential mortgage (7) 293 329 4 288 11 RV and marine (6) 4 4 — 3 — Other consumer (6) 11 11 2 10 — Year Ended December 31, 2018 December 31, 2018 (dollar amounts in millions) Ending Balance Unpaid Principal Balance (2) Related Allowance (3) Average Balance Interest Income Recognized With no related allowance recorded: Commercial and industrial $ 224 $ 261 $ — $ 256 $ 22 Commercial real estate 36 45 — 47 8 With an allowance recorded: Commercial and industrial 221 240 31 272 11 Commercial real estate 35 39 2 45 2 Automobile 38 42 2 37 2 Home equity 314 356 10 326 14 Residential mortgage 287 323 4 297 11 RV and marine 2 3 — 2 — Other consumer 9 9 3 8 — Total Commercial and industrial (4) 445 501 31 528 33 Commercial real estate (5) 71 84 2 92 10 Automobile (6) 38 42 2 37 2 Home equity (7) 314 356 10 326 14 Residential mortgage (7) 287 323 4 297 11 RV and marine (6) 2 3 — 2 — Other consumer (6) 9 9 3 8 — (1) These tables do not include loans fully charged-off. (2) The differences between the ending balance and unpaid principal balance amounts primarily represent partial charge-offs. (3) Impaired loans in the consumer portfolio are evaluated in pools and not at the loan level. Thus, these loans do not have an individually assigned allowance and as such are all classified as with an allowance in the tables above. (4) At December 31, 2019 and December 31, 2018 , C&I loans of $322 million and $366 million , respectively, were considered impaired due to their status as a TDR. (5) At December 31, 2019 and December 31, 2018 , CRE loans of $43 million and $60 million , respectively, were considered impaired due to their status as a TDR. (6) All automobile, RV and marine and other consumer impaired loans included in these tables are considered impaired due to their status as a TDR. (7) Includes home equity and residential mortgages considered impaired due to their non-accrual status and collateral dependent designation as well as home equity and mortgage loans considered impaired due to their status as a TDR.
Detailed troubled debt restructuring information by class	The following table presents, by class and modification type, the number of contracts, post-modification outstanding balance, and the financial effects of the modification for the years ended December 31, 2019 and 2018 . New Troubled Debt Restructurings (1) Year Ended December 31, 2019 Number of Post-modification Outstanding Recorded Investment (2) (dollar amounts in millions) Interest rate reduction Amortization or maturity date change Chapter 7 bankruptcy Other Total Commercial and industrial 482 $ — $ 172 $ — $ 7 $ 179 Commercial real estate 29 — 13 — — 13 Automobile 2,971 — 19 7 — 26 Home equity 306 — 9 8 — 17 Residential mortgage 330 — 35 2 — 37 RV and marine 139 — 1 2 — 3 Other consumer 972 8 — — — 8 Total new TDRs 5,229 $ 8 $ 249 $ 19 $ 7 $ 283 Year Ended December 31, 2018 Number of Post-modification Outstanding Recorded Investment (2) (dollar amounts in millions) Interest rate reduction Amortization or maturity date change Chapter 7 bankruptcy Other Total Commercial and industrial 725 $ — $ 352 $ — $ — $ 352 Commercial real estate 102 — 82 — — 82 Automobile 2,867 — 15 8 — 23 Home equity 602 — 25 11 — 36 Residential mortgage 345 — 34 3 — 37 RV and marine 117 — — 1 — 1 Other consumer 1,633 8 — — — 8 Total new TDRs 6,391 $ 8 $ 508 $ 23 $ — $ 539 (1) TDRs may include multiple concessions. The disclosure classification is based on the primary concession provided to the borrower. (2) Post-modification balances approximate pre-modification balances. The aggregate amount of charge-offs as a result of a restructuring are not significant.

INVESTMENT SECURITIES AND OTH_2

INVESTMENT SECURITIES AND OTHER SECURITIES (Tables)	12 Months Ended
	Dec. 31, 2019
Investments, Debt and Equity Securities [Abstract]
Investments Classified by Contractual Maturity Date [Table Text Block]	The following table provides the amortized cost and fair value of securities by contractual maturity at December 31, 2019 and 2018 . Expected maturities may differ from contractual maturities as issuers may have the right to call or prepay obligations with or without incurring penalties. 2019 2018 (dollar amounts in millions) Amortized Cost Fair Value Amortized Cost Fair Value Available-for-sale securities: Under 1 year $ 231 $ 229 $ 186 $ 185 After 1 year through 5 years 1,196 1,189 1,057 1,039 After 5 years through 10 years 1,594 1,606 1,838 1,802 After 10 years 11,042 11,125 11,027 10,754 Total available-for-sale securities $ 14,063 $ 14,149 $ 14,108 $ 13,780 Held-to-maturity securities: Under 1 year $ — $ — $ — $ — After 1 year through 5 years 17 17 11 11 After 5 years through 10 years 300 305 362 356 After 10 years 8,753 8,864 8,192 7,919 Total held-to-maturity securities $ 9,070 $ 9,186 $ 8,565 $ 8,286
Schedule of Unrealized Loss on Investments [Table Text Block]	The following tables provide detail on investment securities with unrealized losses aggregated by investment category and the length of time the individual securities have been in a continuous loss position at December 31, 2019 and 2018 : Less than 12 Months Over 12 Months Total (dollar amounts in millions) Fair Gross Unrealized Fair Gross Unrealized Fair Gross Unrealized December 31, 2019 Available-for-sale securities: Federal agencies: Residential CMO $ 1,206 $ (10 ) $ 519 $ (8 ) $ 1,725 $ (18 ) Residential MBS 1,169 (3 ) 9 — 1,178 (3 ) Commercial MBS 472 (2 ) 272 (2 ) 744 (4 ) Other agencies 86 (1 ) — — 86 (1 ) Total federal agency and other agency securities 2,933 (16 ) 800 (10 ) 3,733 (26 ) Municipal securities 273 (4 ) 1,204 (19 ) 1,477 (23 ) Asset-backed securities 116 (1 ) 37 (1 ) 153 (2 ) Corporate debt 1 — — — 1 — Total temporarily impaired securities $ 3,323 $ (21 ) $ 2,041 $ (30 ) $ 5,364 $ (51 ) Held-to-maturity securities: Federal agencies: Residential CMO $ 218 $ (1 ) $ 112 $ (2 ) $ 330 $ (3 ) Residential MBS 317 — — — 317 — Commercial MBS 81 — — — 81 — Other agencies 58 — — — 58 — Total federal agency and other agency securities 674 (1 ) 112 (2 ) 786 (3 ) Municipal securities 4 — — — 4 — Total temporarily impaired securities $ 678 $ (1 ) $ 112 $ (2 ) $ 790 $ (3 ) Less than 12 Months Over 12 Months Total (dollar amounts in millions) Fair Gross Unrealized Fair Gross Unrealized Fair Gross Unrealized December 31, 2018 Available-for-sale securities: Federal agencies: Residential CMO $ 425 $ (3 ) $ 5,943 $ (198 ) $ 6,368 $ (201 ) Residential MBS 259 (6 ) 319 (9 ) 578 (15 ) Commercial MBS 10 — 1,573 (58 ) 1,583 (58 ) Other agencies — — 124 (2 ) 124 (2 ) Total federal agency and other agency securities 694 (9 ) 7,959 (267 ) 8,653 (276 ) Municipal securities 1,425 (24 ) 1,602 (54 ) 3,027 (78 ) Asset-backed securities 95 (2 ) 117 (2 ) 212 (4 ) Corporate debt 40 — 1 (1 ) 41 (1 ) Total temporarily impaired securities $ 2,254 $ (35 ) $ 9,679 $ (324 ) $ 11,933 $ (359 ) Held-to-maturity securities: Federal agencies: Residential CMO $ 12 $ — $ 2,004 $ (47 ) $ 2,016 $ (47 ) Residential MBS 16 — 1,457 (42 ) 1,473 (42 ) Commercial MBS — — 4,041 (186 ) 4,041 (186 ) Other agencies 113 (2 ) 205 (4 ) 318 (6 ) Total federal agency and other agency securities 141 (2 ) 7,707 (279 ) 7,848 (281 ) Municipal securities — — 4 — 4 — Total temporarily impaired securities $ 141 $ (2 ) $ 7,711 $ (279 ) $ 7,852 $ (281 )
Gain (Loss) on Securities [Table Text Block]	The following table is a summary of realized securities gains and losses for the years ended December 31, 2019 , 2018 , and 2017 : Year Ended December 31, (dollar amounts in millions) 2019 2018 2017 Gross gains on sales of securities $ 11 $ 7 $ 10 Gross losses on sales of securities (35 ) (28 ) (10 ) Net gain (loss) on sales of securities $ (24 ) $ (21 ) $ — OTTI recognized in earnings — — (4 ) Net securities (losses) $ (24 ) $ (21 ) $ (4 )
Unrealized Gain (Loss) on Investments [Table Text Block]	The following tables provide amortized cost, fair value, and gross unrealized gains and losses by investment category at December 31, 2019 and 2018 : Unrealized (dollar amounts in millions) Amortized Cost Gross Gains Gross Losses Fair Value December 31, 2019 Available-for-sale securities: U.S. Treasury $ 10 $ — $ — $ 10 Federal agencies: Residential CMO 5,055 48 (18 ) 5,085 Residential MBS 4,180 45 (3 ) 4,222 Commercial MBS 979 1 (4 ) 976 Other agencies 165 1 (1 ) 165 Total U.S. Treasury, federal agency and other agency securities 10,389 95 (26 ) 10,458 Municipal securities 3,044 34 (23 ) 3,055 Private-label CMO 2 — — 2 Asset-backed securities 575 6 (2 ) 579 Corporate debt 49 2 — 51 Other securities/Sovereign debt 4 — — 4 Total available-for-sale securities $ 14,063 $ 137 $ (51 ) $ 14,149 Held-to-maturity securities: Federal agencies: Residential CMO $ 2,351 $ 33 $ (3 ) $ 2,381 Residential MBS 2,463 50 — 2,513 Commercial MBS 3,959 34 — 3,993 Other agencies 293 2 — 295 Total federal agency and other agency securities 9,066 119 (3 ) 9,182 Municipal securities 4 — — 4 Total held-to-maturity securities $ 9,070 $ 119 $ (3 ) $ 9,186 Other securities, at cost: Non-marketable equity securities: Federal Home Loan Bank stock $ 90 $ — $ — $ 90 Federal Reserve Bank stock 297 — — 297 Other securities, at fair value Mutual funds 53 — — 53 Marketable equity securities 1 — — 1 Total other securities $ 441 $ — $ — $ 441 Unrealized (dollar amounts in millions) Amortized Gross Gross Fair Value December 31, 2018 Available-for-sale securities: U.S. Treasury $ 5 $ — $ — $ 5 Federal agencies: Residential CMO 7,185 15 (201 ) 6,999 Residential MBS 1,261 9 (15 ) 1,255 Commercial MBS 1,641 — (58 ) 1,583 Other agencies 128 — (2 ) 126 Total U.S. Treasury, federal agency and other agency securities 10,220 24 (276 ) 9,968 Municipal securities 3,512 6 (78 ) 3,440 Asset-backed securities 318 1 (4 ) 315 Corporate debt 54 — (1 ) 53 Other securities/Sovereign debt 4 — — 4 Total available-for-sale securities $ 14,108 $ 31 $ (359 ) $ 13,780 Held-to-maturity securities: Federal agencies: Residential CMO $ 2,124 $ — $ (47 ) $ 2,077 Residential MBS 1,851 2 (42 ) 1,811 Commercial MBS 4,235 — (186 ) 4,049 Other agencies 350 — (6 ) 344 Total federal agency and other agency securities 8,560 2 (281 ) 8,281 Municipal securities 5 — — 5 Total held-to-maturity securities $ 8,565 $ 2 $ (281 ) $ 8,286 Other securities, at cost: Non-marketable equity securities: Federal Home Loan Bank stock $ 248 $ — $ — $ 248 Federal Reserve Bank stock 295 — — 295 Other securities, at fair value Mutual funds 20 — — 20 Marketable equity securities 1 1 — 2 Total other securities $ 564 $ 1 $ — $ 565

MORTGAGE LOAN SALES AND SERVI_2

MORTGAGE LOAN SALES AND SERVICING RIGHTS (Tables)	12 Months Ended
	Dec. 31, 2019
Transfers and Servicing [Abstract]
Schedule of activity relating to loans securitized sold with servicing rights	The following table summarizes activity relating to residential mortgage loans sold with servicing retained for the years ended December 31, 2019 , 2018 , and 2017 : Year Ended December 31, (dollar amounts in millions) 2019 2018 2017 Residential mortgage loans sold with servicing retained $ 4,841 $ 3,846 $ 3,985 Pretax gains resulting from above loan sales (1) 119 87 99 (1) Recorded in mortgage banking income.
Servicing asset at amortized cost	(dollar amounts in millions) 2019 2018 Carrying value, beginning of year $ 211 $ 191 New servicing assets created 52 44 Impairment (charge) recovery (14 ) 6 Amortization and other (44 ) (30 ) Carrying value, end of year $ 205 $ 211 Fair value, end of year $ 206 $ 212 Weighted-average life (years) 6.4 6.7
Summary of key assumptions and the sensitivity analysis of servicing rights	For MSRs under the amortization method, a summary of key assumptions and the sensitivity of the MSR value to changes in these assumptions at December 31, 2019 , and 2018 follows: December 31, 2019 December 31, 2018 Decline in fair value due to Decline in fair value due to (dollar amounts in millions) Actual 10% adverse change 20% adverse change Actual 10% adverse change 20% adverse change Constant prepayment rate (annualized) 12.20 % $ (8 ) $ (16 ) 9.40 % $ (6 ) $ (12 ) Spread over forward interest rate swap rates 855 bps (6 ) (12 ) 934 bps (7 ) (13 )

GOODWILL AND OTHER INTANGIBLE_2

GOODWILL AND OTHER INTANGIBLE ASSETS (Tables)	12 Months Ended
	Dec. 31, 2019
Goodwill and Intangible Assets Disclosure [Abstract]
Goodwill by business segment	A rollforward of goodwill by business segment for the years ended December 31, 2019 and 2018 , is presented in the table below: Consumer & Business Commercial Vehicle Treasury/ Huntington (dollar amounts in millions) Banking Banking Finance RBHPCG Other Consolidated Balance, January 1, 2018 $ 1,398 $ 425 $ — $ 170 $ — $ 1,993 Goodwill acquired during the period — 1 — — — 1 Adjustments (5 ) — — — — (5 ) Balance, December 31, 2018 1,393 426 — 170 — 1,989 Goodwill acquired during the period — — — — — — Adjustments — 1 — — — 1 Balance, December 31, 2019 $ 1,393 $ 427 $ — $ 170 $ — $ 1,990
Summary of other intangible assets	At December 31, 2019 and 2018 , Huntington’s other intangible assets consisted of the following: (dollar amounts in millions) Gross Accumulated Net December 31, 2019 Core deposit intangible $ 310 $ (120 ) $ 190 Customer relationship 115 (73 ) 42 Total other intangible assets $ 425 $ (193 ) $ 232 December 31, 2018 Core deposit intangible $ 314 $ (93 ) $ 221 Customer relationship 182 (122 ) 60 Total other intangible assets $ 496 $ (215 ) $ 281
Estimated amortization expense of other intangible assets	The estimated amortization expense of other intangible assets for the next five years is as follows: (dollar amounts in millions) Amortization Expense 2020 $ 41 2021 38 2022 36 2023 34 2024 32

OPERATING LEASES (Tables)

OPERATING LEASES (Tables) $ in Millions	12 Months Ended
	Dec. 31, 2019USD ($)
Leases [Abstract]
Assets And Liabilities, Lessee [Table Text Block]	Net lease assets and liabilities at December 31, 2019 are as follows: (dollar amounts in millions) Classification December 31, 2019 Assets Operating lease assets Other assets $ 210 Liabilities Lease liabilities Other liabilities $ 233
Lease, Cost	$ 45
Lease, Cost [Table Text Block]	Cash flow supplemental information at December 31, 2019 are as follows: (dollar amounts in millions) Year Ended Cash paid for amounts included in the measurement of lease liabilities for Operating cash flows $ (54 ) Right-of-use assets obtained in exchange for lease obligations for Operating leases 40 Net lease cost for the year ended December 31, 2019 are as follows: (dollar amounts in millions) Classification Year Ended Operating lease cost Net occupancy $ 47 Short-term lease cost Net occupancy 1 Sublease income Net occupancy (3 ) Net lease cost $ 45 Lease term and discount rate as of December 31, 2019 are as follows: December 31, 2019 Weighted-average remaining lease term (years) for Operating leases 7.31 Weighted-average discount rate for Operating leases 4.56 %
Lessee, Operating Lease, Liability, Maturity [Table Text Block]	Maturity of lease liabilities at December 31, 2019 are as follows: (dollar amounts in millions) Total 2020 $ 48 2021 43 2022 38 2023 33 2024 28 Thereafter 86 Total lease payments $ 276 Less: Interest (43 ) Total lease liabilities $ 233
Lessee, Operating Leases [Text Block]	OPERATING LEASES At December 31, 2019 , Huntington was obligated under noncancelable leases for branch and office space. These leases are all classified as operating due to the amount of time such spaces are occupied relative to the underlying assets useful lives. Many of these leases contain renewal options, most of which are not included in measurement of the right-of-use asset as they are not considered reasonably certain of exercise (i.e., Huntington does not currently have a significant economic incentive to exercise these options). Some leases contain escalation clauses calling for rentals to be adjusted for increased real estate taxes and other operating expenses or proportionately adjusted for increases in the consumer or other price indices. Occasionally, Huntington will sublease the land and buildings for which it has obtained the right to use; substantially all of those sublease arrangements are classified as operating, with sublease income recognized on a straight-line basis over the contractual term of the arrangement. Huntington has elected not to include non-lease components in the measurement of right-of-use assets, and as such allocates the costs attributable to such components, where those costs are not separately identifiable, via per-square-foot costing analysis developed by the entity for owned and leased spaces. Huntington uses a portfolio approach to develop discount rates as its lease portfolio is comprised of substantially all branch space and office space used in the entity’s operations. That rate, an input used in the measurement of the entity’s right-of-use assets, leverages an incremental borrowing rate of appropriate tenor and collateralization. Net lease assets and liabilities at December 31, 2019 are as follows: (dollar amounts in millions) Classification December 31, 2019 Assets Operating lease assets Other assets $ 210 Liabilities Lease liabilities Other liabilities $ 233 Net lease cost for the year ended December 31, 2019 are as follows: (dollar amounts in millions) Classification Year Ended Operating lease cost Net occupancy $ 47 Short-term lease cost Net occupancy 1 Sublease income Net occupancy (3 ) Net lease cost $ 45 Maturity of lease liabilities at December 31, 2019 are as follows: (dollar amounts in millions) Total 2020 $ 48 2021 43 2022 38 2023 33 2024 28 Thereafter 86 Total lease payments $ 276 Less: Interest (43 ) Total lease liabilities $ 233 Lease term and discount rate as of December 31, 2019 are as follows: December 31, 2019 Weighted-average remaining lease term (years) for Operating leases 7.31 Weighted-average discount rate for Operating leases 4.56 % Cash flow supplemental information at December 31, 2019 are as follows: (dollar amounts in millions) Year Ended Cash paid for amounts included in the measurement of lease liabilities for Operating cash flows $ (54 ) Right-of-use assets obtained in exchange for lease obligations for Operating leases 40

PREMISES AND EQUIPMENT (Tables)

PREMISES AND EQUIPMENT (Tables)	12 Months Ended
	Dec. 31, 2019
Property, Plant and Equipment [Abstract]
Schedule of property, plant and equipment	Premises and equipment were comprised of the following at December 31, 2019 and 2018 : At December 31, (dollar amounts in millions) 2019 2018 Land and land improvements $ 189 $ 188 Buildings 587 579 Leasehold improvements 205 199 Equipment 742 739 Total premises and equipment 1,723 1,705 Less accumulated depreciation and amortization (960 ) (915 ) Net premises and equipment $ 763 $ 790
Depreciation and amortization charged to expense and rental income credited to net occupancy expense	Depreciation and amortization charged to expense and rental income credited to net occupancy expense for the three years ended December 31, 2019 , 2018 , and 2017 were: (dollar amounts in millions) 2019 2018 2017 Total depreciation and amortization of premises and equipment $ 116 $ 130 $ 123 Rental income credited to occupancy expense 11 13 14

SHORT-TERM BORROWINGS (Tables)

SHORT-TERM BORROWINGS (Tables)	12 Months Ended
	Dec. 31, 2019
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 December 31, 2019 and 2018 : At December 31, (dollar amounts in millions) 2019 2018 Federal funds purchased and securities sold under agreements to repurchase $ 1,041 $ 2,004 Federal Home Loan Bank advances 1,500 — Other borrowings 65 13 Total short-term borrowings $ 2,606 $ 2,017

LONG-TERM DEBT (Tables)

LONG-TERM DEBT (Tables)	12 Months Ended
	Dec. 31, 2019
Debt Instrument [Line Items]
Schedule of Long-Term Debt	The following table presents senior notes issued during 2019: Date of Issuance Issuer Amount % of face value Interest Rate Term Maturity January 2019 Bank $ 300 million 100 % three-month LIBOR + 0.55% variable February 5, 2021 February 2019 Bank 500 million 99.909 3.125 fixed April 1, 2022 August 2019 Parent 800 million 99.781 2.625 fixed August 6, 2024 Huntington’s long-term debt consisted of the following: At December 31, (dollar amounts in millions) 2019 2018 The Parent Company: Senior Notes: 3.19% Huntington Bancshares Incorporated medium-term notes due 2021 $ 993 $ 969 2.33% Huntington Bancshares Incorporated senior notes due 2022 972 946 2.67% Huntington Bancshares Incorporated senior notes due 2024 798 — 4.05% Huntington Bancshares Incorporated senior notes due 2025 528 507 Subordinated Notes: 7.00% Huntington Bancshares Incorporated subordinated notes due 2020 305 305 3.55% Huntington Bancshares Incorporated subordinated notes due 2023 247 239 Sky Financial Capital Trust IV 3.31% junior subordinated debentures due 2036 (1) 74 74 Sky Financial Capital Trust III 3.31% junior subordinated debentures due 2036 (1) 72 72 Huntington Capital I Trust Preferred 2.61% junior subordinated debentures due 2027 (2) 70 69 Huntington Capital II Trust Preferred 2.53% junior subordinated debentures due 2028 (3) 32 31 Camco Financial Statutory Trust I 3.24% due 2037 (4) 4 4 Total notes issued by the parent 4,095 3,216 The Bank: Senior Notes: 3.60% Huntington National Bank senior notes due 2023 778 756 3.33% Huntington National Bank senior notes due 2021 759 750 2.47% Huntington National Bank senior notes due 2020 699 692 2.55% Huntington National Bank senior notes due 2022 691 672 3.16% Huntington National Bank senior notes due 2022 507 — 2.43% Huntington National Bank senior notes due 2020 500 493 2.97% Huntington National Bank senior notes due 2020 499 491 2.42% Huntington National Bank senior notes due 2020 (5) 300 300 2.46% Huntington National Bank senior notes due 2021 (6) 299 — 2.23% Huntington National Bank senior notes due 2019 — 498 Subordinated Notes: 3.86% Huntington National Bank subordinated notes due 2026 231 229 5.45% Huntington National Bank subordinated notes due 2019 — 76 Total notes issued by the bank 5,263 4,957 FHLB Advances: 3.01% weighted average rate, varying maturities greater than one year 5 6 Other: Huntington Technology Finance nonrecourse debt, 4.08% weighted average interest rate, varying maturities 312 322 3.79% Huntington Preferred Capital II - Class F securities (7) 74 74 3.79% Huntington Preferred Capital II - Class G securities (7) 50 50 3.91% Huntington Preferred Capital II - Class I securities (8) 50 — Total other 486 446 Total long-term debt $ 9,849 $ 8,625 (1) Variable effective rate at December 31, 2019 , based on three-month LIBOR + 1.40% . (2) Variable effective rate at December 31, 2019 , based on three-month LIBOR + 0.70% (3) Variable effective rate at December 31, 2019 , based on three-month LIBOR + 0.625% . (4) Variable effective rate at December 31, 2019 , based on three-month LIBOR + 1.33% . (5) Variable effective rate at December 31, 2019 , based on three-month LIBOR + 0.51% (6) Variable effective rate at December 31, 2019 , based on three-month LIBOR + 0.55% . (7) Variable effective rate at December 31, 2019 , based on three-month LIBOR + 1.88% . (8) Variable effective rate at December 31, 2019 , based on three-month LIBOR + 2.00% . A list of trust-preferred securities outstanding at December 31, 2019 follows: (dollar amounts in millions) Rate Principal amount of subordinated note/ debenture issued to trust (1) Investment in unconsolidated subsidiary Huntington Capital I 2.61 % (2) $ 70 $ 6 Huntington Capital II 2.53 (3) 32 3 Sky Financial Capital Trust III 3.31 (4) 72 2 Sky Financial Capital Trust IV 3.31 (4) 74 2 Camco Financial Trust 3.24 (5) 4 1 Total $ 252 $ 14 (1) Represents the principal amount of debentures issued to each trust, including unamortized original issue discount. (2) Variable effective rate at December 31, 2019 , based on three-month LIBOR + 0.70 %. (3) Variable effective rate at December 31, 2019 , based on three-month LIBOR + 0.625 %. (4) Variable effective rate at December 31, 2019 , based on three-month LIBOR + 1.40 %. (5) Variable effective rate at December 31, 2019 , based on three month LIBOR + 1.33 %.
Schedule of Maturities of Long-term Debt	Long-term debt maturities for the next five years and thereafter are as follows: (dollar amounts in millions) 2020 2021 2022 2023 2024 Thereafter Total The Parent Company: Senior notes $ — $ 1,000 $ 1,000 $ — $ 800 $ 500 $ 3,300 Subordinated notes 300 — — 250 — 253 803 The Bank: Senior notes 2,000 1,050 1,200 750 — — 5,000 Subordinated notes — — — — — 250 250 FHLB Advances 2 — 1 1 — 1 5 Other 105 61 95 123 101 1 486 Total $ 2,407 $ 2,111 $ 2,296 $ 1,124 $ 901 $ 1,005 $ 9,844

OTHER COMPREHENSIVE INCOME (Tab

OTHER COMPREHENSIVE INCOME (Tables)	12 Months Ended
	Dec. 31, 2019
Equity [Abstract]
Components of Accumulated Other Comprehensive Income	The components of Huntington’s OCI in the three years ended December 31, 2019 , 2018 , and 2017 , were as follows: 2019 Tax (expense) (dollar amounts in millions) Pretax Benefit After-tax Unrealized holding gains (losses) on available-for-sale securities arising during the period $ 403 $ (89 ) $ 314 Less: Reclassification adjustment for realized net losses (gains) included in net income 26 (5 ) 21 Net change in unrealized holding gains (losses) on available-for-sale securities 429 (94 ) 335 Net change in fair value on cash flow hedges 26 (3 ) 23 Net change in pension and other post-retirement obligations (7 ) 2 (5 ) Total other comprehensive income (loss) $ 448 $ (95 ) $ 353 2018 Tax (expense) (dollar amounts in millions) Pretax Benefit After-tax Unrealized holding gains (losses) on available-for-sale securities arising during the period $ (151 ) $ 35 $ (116 ) Less: Reclassification adjustment for realized net losses (gains) included in net income 41 (9 ) 32 Net change in unrealized holding gains (losses) on available-for-sale securities (110 ) 26 (84 ) Net change in pension and other post-retirement obligations 4 — 4 Total other comprehensive income (loss) $ (106 ) $ 26 $ (80 ) 2017 Tax (expense) (dollar amounts in millions) Pretax Benefit After-tax Noncredit-related impairment recoveries (losses) on debt securities not expected to be sold $ 4 $ (2 ) $ 2 Unrealized holding gains (losses) on available-for-sale debt securities arising during the period (87 ) 31 (56 ) Less: Reclassification adjustment for net gains (losses) included in net income 26 (9 ) 17 Net change in unrealized holding gains (losses) on available-for-sale debt securities (57 ) 20 (37 ) Net change in unrealized holding gains (losses) on available-for-sale equity securities 1 (1 ) — Unrealized gains and losses on derivatives used in cash flow hedging relationships arising during the period 3 (1 ) 2 Less: Reclassification adjustment for net losses (gains) losses included in net income 1 — 1 Net change in unrealized gains (losses) on derivatives used in cash flow hedging relationships 4 (1 ) 3 Net change in pension and post-retirement obligations — — — Total other comprehensive income (loss) $ (52 ) $ 18 $ (34 )
Activity in Accumulated Other Comprehensive Income	Activity in accumulated OCI for the two years ended December 31, 2019 and 2018 were as follows: (dollar amounts in millions) Unrealized gains (losses) on debt securities (1) Change in fair value related to cash flow hedges Unrealized gains (losses) for pension and other post-retirement obligations Total December 31, 2017 $ (278 ) $ — $ (250 ) $ (528 ) Cumulative-effect adjustments (ASU 2016-01) (1 ) (1 ) Other comprehensive income before reclassifications (116 ) — — (116 ) Amounts reclassified from accumulated OCI to earnings 32 — 4 36 Period change (84 ) — 4 (80 ) December 31, 2018 (363 ) — (246 ) (609 ) Other comprehensive income before reclassifications 314 23 — 337 Amounts reclassified from accumulated OCI to earnings 21 — (5 ) 16 Period change 335 23 (5 ) 353 December 31, 2019 $ (28 ) $ 23 $ (251 ) $ (256 ) (1) AOCI amounts at December 31, 2019 , 2018 , and 2017 include $121 million , $137 million , and $95 million , respectively, net of unrealized losses on securities transferred from the available-for-sale securities portfolio to the held-to-maturity securities portfolio. The net unrealized losses will be recognized in earnings over the remaining life of the security using the effective interest method.
Reclassification Out Of Accumulated OCI	.

EARNINGS PER SHARE (Tables)

EARNINGS PER SHARE (Tables)	12 Months Ended
	Dec. 31, 2019
Earnings Per Share [Abstract]
Basic and diluted earnings loss per share	The calculation of basic and diluted earnings per share for each of the three years ended December 31 was as follows: Year Ended December 31, (amounts in millions, except per share data, share count in thousands) 2019 2018 2017 Basic earnings per common share: Net income $ 1,411 $ 1,393 $ 1,186 Preferred stock dividends (74 ) (70 ) (76 ) Net income available to common shareholders $ 1,337 $ 1,323 $ 1,110 Average common shares issued and outstanding 1,038,840 1,081,542 1,084,686 Basic earnings per common share $ 1.29 $ 1.22 $ 1.02 Diluted earnings per common share: Net income available to common shareholders $ 1,337 $ 1,323 $ 1,110 Effect of assumed preferred stock conversion — — 31 Net income applicable to diluted earnings per share $ 1,337 $ 1,323 $ 1,141 Average common shares issued and outstanding 1,038,840 1,081,542 1,084,686 Dilutive potential common shares Stock options and restricted stock units and awards 12,994 16,529 17,883 Shares held in deferred compensation plans 4,245 3,511 3,160 Dilutive impact of Preferred Stock — 4,403 30,330 Other — — 127 Dilutive potential common shares 17,239 24,443 51,500 Total diluted average common shares issued and outstanding 1,056,079 1,105,985 1,136,186 Diluted earnings per common share $ 1.27 $ 1.20 $ 1.00 Anti-dilutive awards (1) 5,253 2,307 1,009

NONINTEREST INCOME (Tables)

NONINTEREST INCOME (Tables)	12 Months Ended
	Dec. 31, 2019
Disaggregation of Revenue [Line Items]
Schedule of Non-interest Income	Year Ended December 31, 2019 (dollar amounts in millions) Consumer & Business Banking Commercial Banking Vehicle Finance RBHPCG Treasury / Other Huntington Consolidated Major Revenue Streams Service charges on deposit accounts $ 297 $ 64 $ 7 $ 4 $ — $ 372 Card and payment processing income 218 15 — — — 233 Trust and investment management services 34 4 — 139 1 178 Insurance income 34 6 — 47 1 88 Other noninterest income 32 24 4 6 2 68 Net revenue from contracts with customers $ 615 $ 113 $ 11 $ 196 $ 4 $ 939 Noninterest income within the scope of other GAAP topics 210 246 1 2 56 515 Total noninterest income $ 825 $ 359 $ 12 $ 198 $ 60 $ 1,454 Year Ended December 31, 2018 (dollar amounts in millions) Consumer & Business Banking Commercial Banking Vehicle Finance RBHPCG Treasury / Other Huntington Consolidated Major Revenue Streams Service charges on deposit accounts $ 290 $ 64 $ 5 $ 4 $ — $ 363 Card and payment processing income 198 11 — — — 209 Trust and investment management services 28 4 — 139 — 171 Insurance income 34 5 — 41 2 82 Other noninterest income 38 6 3 8 1 56 Net revenue from contracts with customers $ 588 $ 90 $ 8 $ 192 $ 3 $ 881 Noninterest income within the scope of other GAAP topics 156 231 3 1 49 440 Total noninterest income $ 744 $ 321 $ 11 $ 193 $ 52 $ 1,321 (dollar amounts in millions) Year Ended Year Ended December 31, 2018 Noninterest income Noninterest income from contracts with customers $ 939 $ 881 Noninterest income within the scope of other GAAP topics 515 440 Total noninterest income $ 1,454 $ 1,321

SHARE-BASED COMPENSATION (Table

SHARE-BASED COMPENSATION (Tables)	12 Months Ended
	Dec. 31, 2019
Share-based Payment Arrangement [Abstract]
Share based compensation expense and related tax benefit	The following table presents total share-based compensation expense and related tax benefit for the three years ended December 31, 2019 , 2018 , and 2017 : (dollar amounts in millions) 2019 2018 2017 Share-based compensation expense $ 83 $ 78 $ 92 Tax benefit 15 14 32
Weighted average assumptions used in the option pricing model	The following table presents the weighted average assumptions used in the option pricing model at the grant date for options granted in the three years ended December 31, 2019 , 2018 , and 2017 : Assumptions 2019 2018 2017 Risk-free interest rate 2.41 % 2.88 % 2.04 % Expected dividend yield 4.36 3.71 3.31 Expected volatility of Huntington’s common stock 22.5 24.0 29.5 Expected option term (years) 6.5 6.5 6.5 Weighted-average grant date fair value per share $ 1.91 $ 2.58 $ 2.81
Stock option activity and related information	Huntington’s stock option activity and related information for the year ended December 31, 2019 , was as follows: (dollar amounts in millions, except per share and options amounts in thousands) Options Weighted- Weighted-Average Contractual Life (Years) Aggregate Outstanding at January 1, 2019 10,617 $ 10.64 Granted 3,211 13.77 Exercised (2,440 ) 7.28 Forfeited/expired (79 ) 14.08 Outstanding at December 31, 2019 11,309 $ 12.23 6.7 $ 32 Expected to vest (1) 5,955 $ 13.77 8.6 $ 8 Exercisable at December 31, 2019 5,195 $ 10.42 4.5 $ 24 (1) The number of options expected to vest reflect an estimate of 159,000 shares expected to be forfeited.
Schedule of restricted stock, restricted stock units, and performance shares	The following table summarizes the status of Huntington’s restricted stock awards, units, and performance share units as of December 31, 2019 , and activity for the year ended December 31, 2019 : Restricted Stock Awards Restricted Stock Units Performance Share Units (amounts in thousands, except per share amounts) Quantity Weighted- Average Grant Date Fair Value Per Share Quantity Weighted- Average Grant Date Fair Value Per Share Quantity Weighted- Average Grant Date Fair Value Per Share Nonvested at January 1, 2019 201 $ 9.68 15,480 $ 12.51 2,958 $ 11.75 Granted — — 5,581 13.93 680 13.77 Vested (199 ) 9.68 (5,267 ) 11.17 (854 ) 10.07 Forfeited (2 ) 9.68 (505 ) 13.47 (15 ) 14.30 Nonvested at December 31, 2019 — $ — 15,289 $ 13.42 2,769 $ 13.49

BENEFIT PLANS (Tables)

BENEFIT PLANS (Tables)	12 Months Ended
	Dec. 31, 2019
Retirement Benefits [Abstract]
Schedule of weighted-average assumptions used	The following table shows the weighted-average assumptions used to determine the benefit obligation at December 31, 2019 and 2018 , and the net periodic benefit cost for the years then ended: Pension Benefits 2019 2018 Weighted-average assumptions used to determine benefit obligations Discount rate 3.40 % 4.41 % Weighted-average assumptions used to determine net periodic benefit cost Discount rate 4.41 3.73 Expected return on plan assets 5.25 5.75
Schedule of changes in projected benefit obligation	The following table reconciles the beginning and ending balances of the benefit obligation of the Plan with the amounts recognized in the consolidated balance sheets at December 31: Pension Benefits (dollar amounts in millions) 2019 2018 Projected benefit obligation at beginning of measurement year $ 821 $ 900 Changes due to: Service cost 2 3 Interest cost 32 29 Benefits paid (29 ) (26 ) Settlements (14 ) (18 ) Actuarial assumptions and gains (losses) 111 (67 ) Total changes 102 (79 ) Projected benefit obligation at end of measurement year $ 923 $ 821
Schedule of changes in fair value of plan assets	The following table reconciles the beginning and ending balances of the fair value of Plan assets at the December 31, 2019 and 2018 measurement dates: Pension Benefits (dollar amounts in millions) 2019 2018 Fair value of plan assets at beginning of measurement year $ 828 $ 903 Changes due to: Actual return on plan assets 145 (30 ) Settlements (13 ) (19 ) Benefits paid (29 ) (26 ) Total changes 103 (75 ) Fair value of plan assets at end of measurement year $ 931 $ 828
Schedule of net periodic benefit costs	The following table shows the components of net periodic benefit costs recognized in the three years ended December 31, 2019 , 2018 and 2017 : Pension Benefits (1) (dollar amounts in millions) 2019 2018 2017 Service cost $ 2 $ 3 $ 3 Interest cost 32 29 30 Expected return on plan assets (44 ) (49 ) (55 ) Amortization of loss 6 9 7 Settlements 5 7 11 Benefit costs $ 1 $ (1 ) $ (4 )
Schedule of allocation of plan assets	At December 31, 2019 and 2018 , The Huntington National Bank, as trustee, held all Plan assets. The Plan assets consisted of investments in a variety of corporate and government fixed income investments, money market funds, and mutual funds as follows: Fair Value (dollar amounts in millions) 2019 2018 Cash equivalents: Mutual funds-money market $ 7 1 % $ 4 — % U.S. Treasury bills — — 4 1 Fixed income: Corporate obligations 460 49 272 33 U.S. Government obligations 199 21 298 36 Municipal obligations 5 1 — — U.S. Government agencies — — 22 3 Collective trust funds 105 11 — — Equities: Mutual funds-equities 78 8 64 8 Common stock 53 6 98 12 Preferred stock 5 1 5 1 Exchange traded funds — — 45 5 Limited Partnerships 19 2 16 1 Fair value of plan assets $ 931 100 % $ 828 100 %
Schedule of expected benefit payments	At December 31, 2019 , the following table shows when benefit payments were expected to be paid: (dollar amounts in millions) Pension Benefits 2020 $ 54 2021 52 2022 50 2023 49 2024 49 2025 through 2029 240
Schedule of amounts recognized in balance sheet	The following table presents the amounts recognized in the Consolidated Balance Sheets at December 31, 2019 and 2018 , for all defined benefit and nonqualified retirement plans: (dollar amounts in millions) 2019 2018 Other liabilities $ 67 $ 63
Schedule of amounts recognized in OCI	The following tables present the amounts recognized in OCI as of December 31, 2019 , 2018 , and 2017 , and the changes in accumulated OCI for the years ended December 31, 2019 , 2018 , and 2017 : (dollar amounts in millions) 2019 2018 2017 Net actuarial loss $ (261 ) $ (257 ) $ (264 ) Prior service cost 10 11 14 Defined benefit pension plans $ (251 ) $ (246 ) $ (250 ) 2019 (dollar amounts in millions) Pretax Tax (expense) Benefit After-tax Net actuarial (loss) gain: Amounts arising during the year $ (17 ) $ 5 $ (12 ) Amortization included in net periodic benefit costs 12 (3 ) 9 Prior service cost: Amounts arising during the year — — — Amortization included in net periodic benefit costs (2 ) — (2 ) Total recognized in OCI $ (7 ) $ 2 $ (5 ) 2018 (dollar amounts in millions) Pretax Tax (expense) Benefit After-tax Net actuarial (loss) gain: Amounts arising during the year $ (5 ) $ 2 $ (3 ) Amortization included in net periodic benefit costs 13 (3 ) 10 Prior service cost: Amortization included in net periodic benefit costs (4 ) 1 (3 ) Total recognized in OCI $ 4 $ — $ 4 2017 (dollar amounts in millions) Pretax Tax (expense) Benefit After-tax (1) Net actuarial (loss) gain: Amounts arising during the year $ (16 ) $ 6 $ (10 ) Amortization included in net periodic benefit costs 18 (7 ) 11 Prior service cost: Amortization included in net periodic benefit costs (2 ) 1 (1 ) Total recognized in OCI $ — $ — $ — (1) TCJA reclassification from AOCI to retained earnings recorded during 2017 was $45 million.
Schedule of Huntington stock statistics for defined contribution plan	The following table shows the number of shares, market value, and dividends received on shares of Huntington stock held by the defined contribution plan: December 31, (dollar amounts in millions, share amounts in thousands) 2019 2018 Shares in Huntington common stock 10,334 11,635 Market value of Huntington common stock $ 156 $ 139 Dividends received on shares of Huntington stock 6 6

INCOME TAXES (Tables)

INCOME TAXES (Tables)	12 Months Ended
	Dec. 31, 2019
Income Tax Disclosure [Abstract]
Reconciliation of gross unrecognized tax benefits	At December 31, 2019 , Huntington’s net deferred tax asset related to loss and other carryforwards was $99 million . This was comprised of federal net operating loss carryforwards of $44 million , which will begin expiring in 2029 , $40 million of state net operating loss carryforwards, which will begin expiring in 2020 , an alternative minimum tax credit carryforward of less than $1 million , which will be fully utilized or refunded by 2022 , and a capital loss carryforward of $15 million , which expires in 2022 .
Summary of provision (benefit) for income taxes	The following is a summary of the provision (benefit) for income taxes: Year Ended December 31, (dollar amounts in millions) 2019 2018 2017 Current tax provision (benefit) Federal $ 209 $ 152 $ 41 State 16 20 (1 ) Total current tax provision 225 172 40 Deferred tax provision (benefit) Federal 24 71 151 State (1 ) (8 ) 17 Total deferred tax provision 23 63 168 Provision for income taxes $ 248 $ 235 $ 208
Reconcilement of provision (benefit) for income taxes	ollowing is a reconciliation for provision for income taxes: Year Ended December 31, (dollar amounts in millions) 2019 2018 2017 Provision for income taxes computed at the statutory rate $ 348 $ 342 $ 488 Increases (decreases): General business credits (88 ) (80 ) (71 ) Capital loss (62 ) (60 ) (67 ) Tax-exempt income (21 ) (23 ) (31 ) Tax-exempt bank owned life insurance income (14 ) (14 ) (23 ) Stock based compensation (5 ) (14 ) (13 ) Affordable housing investment amortization, net of tax benefits 70 64 46 State income taxes, net 11 10 11 Impact from TCJA — (3 ) (123 ) Other 9 13 (9 ) Provision for income taxes $ 248 $ 235 $ 208
Significant components of deferred tax assets and liabilities	The significant components of deferred tax assets and liabilities at December 31, 2019 and 2018 were as follows: At December 31, (dollar amounts in millions) 2019 2018 Deferred tax assets: Allowances for credit losses $ 184 $ 184 Net operating and other loss carryforward 99 95 Fair value adjustments 77 173 Lease liability 47 — Purchase accounting and other intangibles 33 — Pension and other employee benefits 12 14 Accrued expense/prepaid 3 16 Partnership investments 3 5 Market discount 2 6 Other assets 3 6 Total deferred tax assets 463 499 Deferred tax liabilities: Lease financing 359 262 Loan origination costs 119 148 Operating assets 74 69 Right-of-use asset 41 — Mortgage servicing rights 36 45 Securities adjustments 11 6 Purchase accounting and other intangibles — 25 Other liabilities — 2 Total deferred tax liabilities 640 557 Net deferred tax (liability) asset before valuation allowance (177 ) (58 ) Valuation allowance (6 ) (6 ) Net deferred tax (liability) asset $ (183 ) $ (64 )

FAIR VALUES OF ASSETS AND LIA_2

FAIR VALUES OF ASSETS AND LIABILITIES (Tables)	12 Months Ended
	Dec. 31, 2019
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 at December 31, 2019 and 2018 are summarized below: Fair Value Measurements at Reporting Date Using Netting Adjustments (1) December 31, 2019 (dollar amounts in millions) Level 1 Level 2 Level 3 Assets Trading account securities: Federal agencies: Other agencies $ — $ 4 $ — $ — $ 4 Municipal securities — 63 — — 63 Other securities 30 2 — — 32 30 69 — — 99 Available-for-sale securities: U.S. Treasury securities 10 — — — 10 Residential CMOs — 5,085 — — 5,085 Residential MBS — 4,222 — — 4,222 Commercial MBS — 976 — — 976 Other agencies — 165 — — 165 Municipal securities — 56 2,999 — 3,055 Private-label CMO — — 2 — 2 Asset-backed securities — 531 48 — 579 Corporate debt — 51 — — 51 Other securities/Sovereign debt — 4 — — 4 10 11,090 3,049 — 14,149 Other securities 54 — — — 54 Loans held for sale — 781 — — 781 Loans held for investment — 55 26 — 81 MSRs — — 7 — 7 Derivative assets — 848 8 (404 ) 452 Liabilities Derivative liabilities — 519 2 (417 ) 104 Fair Value Measurements at Reporting Date Using Netting Adjustments (1) December 31, 2018 (dollar amounts in millions) Level 1 Level 2 Level 3 Assets Trading account securities: Municipal securities $ 1 $ 27 $ — $ — $ 28 Other securities 77 — — — 77 78 27 — — 105 Available-for-sale securities: U.S. Treasury securities 5 — — — 5 Residential CMOs — 6,999 — — 6,999 Residential MBS — 1,255 — — 1,255 Commercial MBS — 1,583 — — 1,583 Other agencies — 126 — — 126 Municipal securities — 275 3,165 — 3,440 Asset-backed securities — 315 — — 315 Corporate debt — 53 — — 53 Other securities/Sovereign debt — 4 — — 4 5 10,610 3,165 — 13,780 Other securities 22 — — — 22 Loans held for sale — 613 — — 613 Loans held for investment — 49 30 — 79 MSRs — — 10 — 10 Derivative assets 21 474 5 (291 ) 209 Liabilities Derivative liabilities 11 390 3 (217 ) 187 (1) Amounts represent the impact of legally enforceable master netting agreements that allow the Company to settle positive and negative positions and cash collateral held or placed with the same counterparties.
Roll forward of derivatives measured on a recurring basis and classified as Level 3	The tables below present a rollforward of the balance sheet amounts for the years ended December 31, 2019 , 2018 , and 2017 for financial instruments measured 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 (dollar amounts in millions) MSRs Derivative instruments Municipal securities Private- Asset- backed securities Loans held for investment Opening balance $ 10 $ 2 $ 3,165 $ — $ 30 Transfers out of Level 3 (1) — (62 ) — — — Total gains/losses for the period: Included in earnings (3 ) 66 (1 ) — 1 Included in OCI — — 77 — — Purchases/originations — — 254 2 55 — Sales — — — — — Repayments — — — — (5 ) Settlements — — (496 ) (7 ) — Closing balance $ 7 $ 6 $ 2,999 $ 2 $ 48 $ 26 Change in unrealized gains or losses for the period included in earnings for assets held at end of the reporting date $ (3 ) $ 3 $ — $ — $ — $ — Change in unrealized gains or losses for the period included in other comprehensive income for assets held at the end of the reporting period $ — $ — $ 74 $ — $ — $ — Level 3 Fair Value Measurements Available-for-sale securities Loans held for investment (dollar amounts in millions) MSRs Derivative instruments Municipal securities Asset- backed securities Opening balance $ 11 $ (1 ) $ 3,167 $ 24 $ 38 Transfers out of Level 3 (1) — (35 ) — — — Total gains/losses for the period: Included in earnings (1 ) 35 (3 ) (2 ) — Included in OCI — — (52 ) 11 — Purchases/originations — — 658 — — Sales — — — (33 ) — Repayments — — — — (8 ) Settlements — 3 (605 ) — — Closing balance $ 10 $ 2 $ 3,165 $ — $ 30 Change in unrealized gains or losses for the period included in earnings (or changes in net assets) for assets held at end of the reporting date $ (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 $ — $ — $ (52 ) $ — $ — Level 3 Fair Value Measurements Available-for-sale securities Loans held for investment (dollar amounts in millions) MSRs Derivative instruments Municipal securities Asset- backed securities Opening balance $ 14 $ (2 ) $ 2,798 $ 76 $ 48 Transfers out of Level 3 (1) — (15 ) — — — Total gains/losses for the period: Included in earnings (3 ) 16 (2 ) (5 ) 1 Included in OCI — — (8 ) 14 — Purchases/originations — — 787 — — Sales — — — (60 ) — Repayments — — — — (11 ) Settlements — — (408 ) (1 ) — Closing balance $ 11 $ (1 ) $ 3,167 $ 24 $ 38 Change in unrealized gains or losses for the period included in earnings (or changes in net assets) for assets held at end of the reporting date $ (3 ) $ — $ — $ (4 ) $ — (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.
Roll forward of assets measured on a recurring basis and classified as Level 3	Level 3 Fair Value Measurements Available-for-sale securities (dollar amounts in millions) MSRs Derivative instruments Municipal securities Private- Asset- backed securities Loans held for investment Opening balance $ 10 $ 2 $ 3,165 $ — $ 30 Transfers out of Level 3 (1) — (62 ) — — — Total gains/losses for the period: Included in earnings (3 ) 66 (1 ) — 1 Included in OCI — — 77 — — Purchases/originations — — 254 2 55 — Sales — — — — — Repayments — — — — (5 ) Settlements — — (496 ) (7 ) — Closing balance $ 7 $ 6 $ 2,999 $ 2 $ 48 $ 26 Change in unrealized gains or losses for the period included in earnings for assets held at end of the reporting date $ (3 ) $ 3 $ — $ — $ — $ — Change in unrealized gains or losses for the period included in other comprehensive income for assets held at the end of the reporting period $ — $ — $ 74 $ — $ — $ — Level 3 Fair Value Measurements Available-for-sale securities Loans held for investment (dollar amounts in millions) MSRs Derivative instruments Municipal securities Asset- backed securities Opening balance $ 11 $ (1 ) $ 3,167 $ 24 $ 38 Transfers out of Level 3 (1) — (35 ) — — — Total gains/losses for the period: Included in earnings (1 ) 35 (3 ) (2 ) — Included in OCI — — (52 ) 11 — Purchases/originations — — 658 — — Sales — — — (33 ) — Repayments — — — — (8 ) Settlements — 3 (605 ) — — Closing balance $ 10 $ 2 $ 3,165 $ — $ 30 Change in unrealized gains or losses for the period included in earnings (or changes in net assets) for assets held at end of the reporting date $ (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 $ — $ — $ (52 ) $ — $ — Level 3 Fair Value Measurements Available-for-sale securities Loans held for investment (dollar amounts in millions) MSRs Derivative instruments Municipal securities Asset- backed securities Opening balance $ 14 $ (2 ) $ 2,798 $ 76 $ 48 Transfers out of Level 3 (1) — (15 ) — — — Total gains/losses for the period: Included in earnings (3 ) 16 (2 ) (5 ) 1 Included in OCI — — (8 ) 14 — Purchases/originations — — 787 — — Sales — — — (60 ) — Repayments — — — — (11 ) Settlements — — (408 ) (1 ) — Closing balance $ 11 $ (1 ) $ 3,167 $ 24 $ 38 Change in unrealized gains or losses for the period included in earnings (or changes in net assets) for assets held at end of the reporting date $ (3 ) $ — $ — $ (4 ) $ — (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.
Classification of gains and losses due to changes in fair value, recorded in earnings for Level 3 assets and liabilities	The tables below summarize the classification of gains and losses due to changes in fair value, recorded in earnings for Level 3 assets and liabilities for the years ended December 31, 2019 , 2018 , and 2017 : Level 3 Fair Value Measurements Available-for-sale securities Loans held for investment (dollar amounts in millions) MSRs Derivative instruments Municipal securities Classification of gains and losses in earnings: Mortgage banking income $ (3 ) $ 66 $ — $ — Interest and fee income — — (1 ) 1 Total $ (3 ) $ 66 $ (1 ) $ 1 Level 3 Fair Value Measurements Available-for-sale securities (dollar amounts in millions) MSRs Derivative instruments Municipal securities Asset- backed securities Classification of gains and losses in earnings: Mortgage banking income $ (1 ) $ 35 $ — $ — Securities gains (losses) — — — (2 ) Interest and fee income — — (3 ) — Total $ (1 ) $ 35 $ (3 ) $ (2 ) Level 3 Fair Value Measurements Available-for-sale securities (dollar amounts in millions) MSRs Derivative instruments Municipal securities Asset- backed securities Loans held for investment Classification of gains and losses in earnings: Mortgage banking income (loss) $ (3 ) $ 16 $ — $ — $ — Securities gains (losses) — — — (5 ) — Interest and fee income — — (2 ) — — Noninterest income — — — — 1 Total $ (3 ) $ 16 $ (2 ) $ (5 ) $ 1
Assets and liabilities under the fair value option	The following tables presents the fair value and aggregate principal balance of certain assets and liabilities under the fair value option: December 31, 2019 Total Loans Loans that are 90 or more days past due (dollar amounts in millions) Fair value Aggregate Difference Fair value Aggregate Difference Assets Loans held for sale $ 781 $ 755 $ 26 $ 2 $ 2 $ — Loans held for investment 81 87 (6 ) 3 4 (1 ) December 31, 2018 Total Loans Loans that are 90 or more days past due (dollar amounts in millions) Fair value Aggregate Difference Fair value Aggregate Difference Assets Loans held for sale $ 613 $ 594 $ 19 $ — $ — $ — Loans held for investment 79 87 $ (8 ) 6 7 $ (1 ) The following tables present the net gains (losses) from fair value changes for the years ended December 31, 2019 , 2018 , and 2017 : Net gains (losses) from fair value changes Year Ended December 31, (dollar amounts in millions) 2019 2018 2017 Assets Loans held for sale $ 7 $ 5 $ 8 Loans held for investment 1 — —
Assets measured at fair value on a nonrecurring basis	at fair value on a nonrecurring basis at December 31, 2019 were as follows: Fair Value Measurements Using (dollar amounts in millions) Fair Value Quoted Prices In Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Other Unobservable Inputs (Level 3) Total MSRs $ 206 $ — $ — $ 206 $ (14 ) Impaired loans 26 — — 26 (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 at December 31, 2019 and 2018 : Quantitative Information about Level 3 Fair Value Measurements at December 31, 2019 (dollar amounts in millions) Fair Value Valuation Technique Significant Unobservable Input Range Weighted Average Measured at fair value on a recurring basis: MSRs $ 7 Discounted cash flow Constant prepayment rate — % - 26 % 8 % Spread over forward interest rate swap rates 5 % - 11 % 8 % Derivative assets 8 Consensus Pricing Net market price (2 )% - 11 % 2 % Estimated Pull through % 2 % - 100 % 91 % Derivative liabilities 2 Discounted cash flow Estimated conversion factor 162 % Estimated growth rate of Visa Class A shares 7 % Discount rate 2 % Timing of the resolution of the litigation 6/30/2020 Municipal securities 2,999 Discounted cash flow Discount rate 2 % - 3 % 2 % Asset-backed securities 48 Cumulative default — % - 39 % 4 % Loss given default 5 % - 80 % 24 % Loans held for investment 26 Discounted cash flow Discount rate 5 % - 6 % 5 % Constant prepayment rate 9 % - 12 % 9 % Measured at fair value on a nonrecurring basis: MSRs 206 Discounted cash flow Constant prepayment rate 10 % 31 % 12 % Spread over forward interest rate swap rates 5 % 11 % 9 % Impaired loans 26 Appraisal value NA NA Quantitative Information about Level 3 Fair Value Measurements at December 31, 2018 (dollar amounts in millions) Fair Value Valuation Technique Significant Unobservable Input Range Weighted Average Measured at fair value on a recurring basis: MSRs $ 10 Discounted cash flow Constant prepayment rate 6 % - 54 % 8 % Spread over forward interest rate swap rates 5 % - 11 % 8 % Derivative assets 5 Consensus Pricing Net market price (5 )% - 23 % 2 % Estimated Pull through % 1 % - 100 % 92 % Derivative liabilities 3 Discounted cash flow Estimated conversion factor 163 % Estimated growth rate of Visa Class A shares 7 % Discount rate 4 % Timing of the resolution of the litigation 6/30/2020 Municipal securities 3,165 Discounted cash flow Discount rate 4 % - 4 % 4 % Cumulative default — % - 39 % 3 % Loss given default 5 % - 90 % 25 % Loans held for investment 30 Discounted cash flow Discount rate 7 % - 9 % 9 % Constant prepayment rate 9 % - 9 % 9 % Measured at fair value on a nonrecurring basis: Impaired loans 33 Appraisal value NA NA Loans held for sale 121 Discounted cash flow Discount rate 5 % 6 % 5 % 24 Appraisal value NA NA
Fair value by balance sheet grouping	The following table provides the carrying amounts and estimated fair values of Huntington’s financial instruments at December 31, 2019 and December 31, 2018 : December 31, 2019 (dollar amounts in millions) Amortized Cost Lower of Cost or Market Fair Value or Fair Value Option Total Carrying Amount Estimated Fair Value Financial Assets Cash and short-term assets $ 1,272 $ — $ — $ 1,272 $ 1,272 Trading account securities — — 99 99 99 Available-for-sale securities — — 14,149 14,149 14,149 Held-to-maturity securities 9,070 — — 9,070 9,186 Other securities 387 — 54 441 441 Loans held for sale — 96 781 877 879 Net loans and leases (1) 74,540 — 81 74,621 75,177 Derivatives — — 452 452 452 Financial Liabilities Deposits 82,347 — — 82,347 82,344 Short-term borrowings 2,606 — — 2,606 2,606 Long-term debt 9,849 — — 9,849 10,075 Derivatives — — 104 104 104 December 31, 2018 (dollar amounts in millions) Amortized Cost Lower of Cost or Market Fair Value or Fair Value Option Total Carrying Amount Estimated Fair Value Financial Assets Cash and short-term assets $ 2,725 $ — $ — $ 2,725 $ 2,725 Trading account securities — — 105 105 105 Available-for-sale securities — — 13,780 13,780 13,780 Held-to-maturity securities 8,565 — — 8,565 8,286 Other securities 543 — 22 565 565 Loans held for sale — 191 613 804 806 Net loans and leases (1) 74,049 — 79 74,128 73,668 Derivatives — — 209 209 209 Financial Liabilities Deposits 84,774 — — 84,774 84,731 Short-term borrowings 2,017 — — 2,017 2,017 Long-term debt 8,625 — — 8,625 8,718 Derivatives — — 187 187 187 (1) Includes collateral-dependent loans measured for impairment. The following table presents the level in the fair value hierarchy for the estimated fair values at December 31, 2019 and December 31, 2018 : Estimated Fair Value Measurements at Reporting Date Using December 31, 2019 (dollar amounts in millions) Level 1 Level 2 Level 3 Financial Assets Trading account securities $ 30 $ 69 $ — $ 99 Available-for-sale securities 10 11,090 3,049 14,149 Held-to-maturity securities — 9,186 — 9,186 Other securities (1) 54 — — 54 Loans held for sale — 781 98 879 Net loans and direct financing leases — 55 75,122 75,177 Financial Liabilities Deposits — 76,790 5,554 82,344 Short-term borrowings — — 2,606 2,606 Long-term debt — 9,439 636 10,075 Estimated Fair Value Measurements at Reporting Date Using December 31, 2018 (dollar amounts in millions) Level 1 Level 2 Level 3 Financial Assets Trading account securities $ 78 $ 27 $ — $ 105 Available-for-sale securities 5 10,610 3,165 13,780 Held-to-maturity securities — 8,286 — 8,286 Other securities (1) 22 — — 22 Loans held for sale — 613 193 806 Net loans and direct financing leases — 49 73,619 73,668 Financial Liabilities Deposits — 76,922 7,809 84,731 Short-term borrowings 1 — 2,016 2,017 Long-term debt — 8,158 560 8,718 (1) Excludes securities without readily determinable fair values.

DERIVATIVE FINANCIAL INSTRUME_2

DERIVATIVE FINANCIAL INSTRUMENTS (Tables)	12 Months Ended
	Dec. 31, 2019
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Gross notional values of derivatives used in asset and liability management activities	The following table presents the gross notional values of derivatives used in Huntington’s asset and liability management activities at December 31, 2019 and December 31, 2018 , identified by the underlying interest rate-sensitive instruments: December 31, 2019 (dollar amounts in millions) Fair Value Hedges Cash Flow Hedges Total Instruments associated with: Loans $ — $ 18,375 $ 18,375 Investment securities — 12 12 Long-term debt 7,540 — 7,540 Total notional value at December 31, 2019 $ 7,540 $ 18,387 $ 25,927 December 31, 2018 (dollar amounts in millions) Fair Value Hedges Cash Flow Hedges Total Instruments associated with: Investment securities $ — $ 12 $ 12 Long-term debt 4,865 — 4,865 Total notional value at December 31, 2018 $ 4,865 $ 12 $ 4,877
Additional information about the interest rate swaps used in asset and liability management activities	The following table presents additional information about the interest rate swaps and floors used in Huntington’s asset and liability management activities at December 31, 2019 and December 31, 2018 : December 31, 2019 Average Maturity (years) Weighted-Average Rate (dollar amounts in millions) Notional Value Fair Value Receive Pay Asset conversion swaps Receive fixed—generic $ 8,637 3.3 $ 23 1.66 % 1.06 % Liability conversion swaps Receive fixed—generic 7,540 2.3 151 2.20 1.79 Total swap portfolio at December 31, 2019 $ 16,177 2.9 $ 174 1.91 % 1.40 % December 31, 2019 (dollar amounts in millions) Notional Value Average Maturity (years) Fair Value Interest rate floors Designated interest rate floors $ 9,750 1.6 $ 46 Total floors portfolio at December 31, 2019 $ 9,750 1.6 $ 46 December 31, 2018 Average Maturity (years) Weighted-Average Rate (dollar amounts in millions) Notional Value Fair Value Receive Pay Asset conversion swaps Receive fixed—generic $ 12 1.2 $ — 2.20 % 2.46 % Liability conversion swaps Receive fixed—generic 4,865 2.6 2 2.24 % 2.54 % Total swap portfolio at December 31, 2018 $ 4,877 2.6 $ 2 2.24 % 2.54 %
Asset and liability derivatives included in accrued income and other assets	December 31, 2019 December 31, 2018 (dollar amounts in millions) Asset Liability Asset Liability Derivatives designated as Hedging Instruments Interest rate contracts $ 256 $ 36 $ 44 $ 42 Derivatives not designated as Hedging Instruments Interest rate contracts 420 314 261 165 Foreign exchange contracts 19 18 23 19 Commodities contracts 155 152 172 168 Equity contracts 6 1 — 10 Total Contracts $ 856 $ 521 $ 500 $ 404
Increase or (decrease) to interest expense for derivatives designated as fair value hedges	The following table presents the change in fair value for derivatives designated as fair value hedges as well as the offsetting change in fair value on the hedged item for the years ended December 31, 2019 and 2018 : Year Ended December 31, (dollar amounts in millions) 2019 2018 2017 Interest rate contracts Change in fair value of interest rate swaps hedging long-term debt (1) $ 127 $ 112 $ (53 ) Change in fair value of hedged long term debt (1) (125 ) (104 ) 54 (1) Recognized in Interest expense - long-term debt in the Consolidated Statements of Income.
Gains and (losses) recognized in other comprehensive income (loss) (OCI) for derivatives designated as effective cash flow hedges	Location of Gain or (Loss) Recognized in Income on Derivative Year Ended December 31, (dollar amounts in millions) 2019 2018 Interest rate contracts: Customer Capital markets fees $ 49 $ 41 Mortgage Banking Mortgage banking income 37 (19 ) Interest rate floors Other noninterest income 4 — Foreign exchange contracts Capital markets fees 28 27 Commodities contracts Capital markets fees (2 ) 6 Equity contracts Other noninterest expense (4 ) 4 Total $ 112 $ 59
Offsetting of financial assets and derivatives assets	The following tables present the gross amounts of these assets and liabilities with any offsets to arrive at the net amounts recognized in the Consolidated Balance Sheets at December 31, 2019 and December 31, 2018 : Offsetting of Financial Assets and Derivative Assets Gross amounts offset in the consolidated balance sheets Net amounts of assets presented in the consolidated balance sheets Gross amounts not offset in the consolidated balance sheets (dollar amounts in millions) Gross amounts of recognized assets Financial instruments Cash collateral received Net amount December 31, 2019 Derivatives $ 856 $ (404 ) $ 452 $ (65 ) $ (29 ) $ 358 December 31, 2018 Derivatives 500 (291 ) 209 (4 ) (53 ) 152
Offsetting of financial liabilities and derivative liabilities	Offsetting of Financial Liabilities and Derivative Liabilities Gross amounts offset in the consolidated balance sheets Net amounts of liabilities presented in the consolidated balance sheets Gross amounts not offset in the consolidated balance sheets (dollar amounts in millions) Gross amounts of recognized liabilities Financial instruments Cash collateral delivered Net amount December 31, 2019 Derivatives $ 521 $ (417 ) $ 104 $ — $ (75 ) $ 29 December 31, 2018 Derivatives 404 (217 ) 187 — (12 ) 175
Schedule of Fair Value Hedging Instruments, Statements of Financial Performance and Financial Position, Location [Table Text Block]	Carrying Amount of the Hedged Liabilities Cumulative Amount of Fair Value Hedging Adjustment To Hedged Liabilities (dollar amounts in millions) December 31, 2019 December 31, 2018 December 31, 2019 December 31, 2018 Long-term debt $ 7,578 $ 4,845 $ 114 $ (12 ) The cumulative amount of fair value hedging adjustments remaining for any hedged assets and liabilities for which hedge accounting has been discontinued is $(93) million at December 31, 2019 and $(127) million at December 31, 2018 .

VIEs (Tables)

VIEs (Tables)	12 Months Ended
	Dec. 31, 2019
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 Consolidated Financial Statements, as well as the maximum exposure to losses, associated with its interests related to unconsolidated VIEs for which Huntington holds an interest in, but is not the primary beneficiary of, the VIE at December 31, 2019 , and 2018 : December 31, 2019 (dollar amounts in millions) Total Assets Total Liabilities Maximum Exposure to Loss Trust Preferred Securities $ 14 $ 252 $ — Affordable Housing Tax Credit Partnerships 727 332 727 Other Investments 179 63 179 Total $ 920 $ 647 $ 906 December 31, 2018 (dollar amounts in millions) Total Assets Total Liabilities Maximum Exposure to Loss Trust Preferred Securities $ 14 $ 252 $ — Affordable Housing Tax Credit Partnerships 708 357 708 Other Investments 126 53 126 Total $ 848 $ 662 $ 834
Summary of outstanding trust preferred securities	The following table presents senior notes issued during 2019: Date of Issuance Issuer Amount % of face value Interest Rate Term Maturity January 2019 Bank $ 300 million 100 % three-month LIBOR + 0.55% variable February 5, 2021 February 2019 Bank 500 million 99.909 3.125 fixed April 1, 2022 August 2019 Parent 800 million 99.781 2.625 fixed August 6, 2024 Huntington’s long-term debt consisted of the following: At December 31, (dollar amounts in millions) 2019 2018 The Parent Company: Senior Notes: 3.19% Huntington Bancshares Incorporated medium-term notes due 2021 $ 993 $ 969 2.33% Huntington Bancshares Incorporated senior notes due 2022 972 946 2.67% Huntington Bancshares Incorporated senior notes due 2024 798 — 4.05% Huntington Bancshares Incorporated senior notes due 2025 528 507 Subordinated Notes: 7.00% Huntington Bancshares Incorporated subordinated notes due 2020 305 305 3.55% Huntington Bancshares Incorporated subordinated notes due 2023 247 239 Sky Financial Capital Trust IV 3.31% junior subordinated debentures due 2036 (1) 74 74 Sky Financial Capital Trust III 3.31% junior subordinated debentures due 2036 (1) 72 72 Huntington Capital I Trust Preferred 2.61% junior subordinated debentures due 2027 (2) 70 69 Huntington Capital II Trust Preferred 2.53% junior subordinated debentures due 2028 (3) 32 31 Camco Financial Statutory Trust I 3.24% due 2037 (4) 4 4 Total notes issued by the parent 4,095 3,216 The Bank: Senior Notes: 3.60% Huntington National Bank senior notes due 2023 778 756 3.33% Huntington National Bank senior notes due 2021 759 750 2.47% Huntington National Bank senior notes due 2020 699 692 2.55% Huntington National Bank senior notes due 2022 691 672 3.16% Huntington National Bank senior notes due 2022 507 — 2.43% Huntington National Bank senior notes due 2020 500 493 2.97% Huntington National Bank senior notes due 2020 499 491 2.42% Huntington National Bank senior notes due 2020 (5) 300 300 2.46% Huntington National Bank senior notes due 2021 (6) 299 — 2.23% Huntington National Bank senior notes due 2019 — 498 Subordinated Notes: 3.86% Huntington National Bank subordinated notes due 2026 231 229 5.45% Huntington National Bank subordinated notes due 2019 — 76 Total notes issued by the bank 5,263 4,957 FHLB Advances: 3.01% weighted average rate, varying maturities greater than one year 5 6 Other: Huntington Technology Finance nonrecourse debt, 4.08% weighted average interest rate, varying maturities 312 322 3.79% Huntington Preferred Capital II - Class F securities (7) 74 74 3.79% Huntington Preferred Capital II - Class G securities (7) 50 50 3.91% Huntington Preferred Capital II - Class I securities (8) 50 — Total other 486 446 Total long-term debt $ 9,849 $ 8,625 (1) Variable effective rate at December 31, 2019 , based on three-month LIBOR + 1.40% . (2) Variable effective rate at December 31, 2019 , based on three-month LIBOR + 0.70% (3) Variable effective rate at December 31, 2019 , based on three-month LIBOR + 0.625% . (4) Variable effective rate at December 31, 2019 , based on three-month LIBOR + 1.33% . (5) Variable effective rate at December 31, 2019 , based on three-month LIBOR + 0.51% (6) Variable effective rate at December 31, 2019 , based on three-month LIBOR + 0.55% . (7) Variable effective rate at December 31, 2019 , based on three-month LIBOR + 1.88% . (8) Variable effective rate at December 31, 2019 , based on three-month LIBOR + 2.00% . A list of trust-preferred securities outstanding at December 31, 2019 follows: (dollar amounts in millions) Rate Principal amount of subordinated note/ debenture issued to trust (1) Investment in unconsolidated subsidiary Huntington Capital I 2.61 % (2) $ 70 $ 6 Huntington Capital II 2.53 (3) 32 3 Sky Financial Capital Trust III 3.31 (4) 72 2 Sky Financial Capital Trust IV 3.31 (4) 74 2 Camco Financial Trust 3.24 (5) 4 1 Total $ 252 $ 14 (1) Represents the principal amount of debentures issued to each trust, including unamortized original issue discount. (2) Variable effective rate at December 31, 2019 , based on three-month LIBOR + 0.70 %. (3) Variable effective rate at December 31, 2019 , based on three-month LIBOR + 0.625 %. (4) Variable effective rate at December 31, 2019 , based on three-month LIBOR + 1.40 %. (5) Variable effective rate at December 31, 2019 , based on three month LIBOR + 1.33 %.

COMMITMENTS AND CONTINGENT LI_2

COMMITMENTS AND CONTINGENT LIABILITIES (Tables)	12 Months Ended
	Dec. 31, 2019
Commitments and Contingencies Disclosure [Abstract]
Contract amounts of various commitments to extend credit	The contract amounts of these financial agreements at December 31, 2019 , and December 31, 2018 were as follows: At December 31, (dollar amounts in millions) 2019 2018 Contract amount representing credit risk Commitments to extend credit: Commercial $ 18,326 $ 17,149 Consumer 14,831 14,974 Commercial real estate 1,364 1,188 Standby letters of credit 587 676 Commercial letters of credit 8 14

OTHER REGULATORY MATTERS (Table

OTHER REGULATORY MATTERS (Tables)	12 Months Ended
	Dec. 31, 2019
Banking and Thrift [Abstract]
Period-end capital amounts and capital ratios	Minimum Minimum Basel III Regulatory Ratio+Capital Well- December 31, Capital Conservation Capitalized 2019 2018 (dollar amounts in millions) Ratios Buffer Minimums Ratio Amount Ratio Amount CET 1 risk-based capital Consolidated 4.50 % 7.00 % N/A 9.88 % $ 8,647 9.65 % $ 8,271 Bank 4.50 7.00 6.50 % 11.17 9,747 10.19 8,732 Tier 1 risk-based capital Consolidated 6.00 8.50 6.00 11.26 9,854 11.06 9,478 Bank 6.00 8.50 8.00 12.17 10,621 11.21 9,611 Total risk-based capital Consolidated 8.00 10.50 10.00 13.04 11,413 12.98 11,122 Bank 8.00 10.50 10.00 13.59 11,864 13.42 11,504 Tier 1 leverage Consolidated 4.00 N/A N/A 9.26 9,854 9.10 9,478 Bank 4.00 N/A 5.00 10.01 10,621 9.23 9,611

PARENT COMPANY FINANCIAL STAT_2

PARENT COMPANY FINANCIAL STATEMENTS (Tables)	12 Months Ended
	Dec. 31, 2019
Condensed Financial Information Disclosure [Abstract]
Balance Sheets	The parent-only financial statements, which include transactions with subsidiaries, are as follows: Balance Sheets December 31, (dollar amounts in millions) 2019 2018 Assets Cash and due from banks $ 3,119 $ 2,352 Due from The Huntington National Bank 47 739 Due from non-bank subsidiaries 34 40 Investment in The Huntington National Bank 12,833 11,493 Investment in non-bank subsidiaries 165 142 Accrued interest receivable and other assets 349 239 Total assets $ 16,547 $ 15,005 Liabilities and shareholders’ equity Long-term borrowings $ 4,095 $ 3,216 Dividends payable, accrued expenses, and other liabilities 657 687 Total liabilities 4,752 3,903 Shareholders’ equity (1) 11,795 11,102 Total liabilities and shareholders’ equity $ 16,547 $ 15,005 (1) See Consolidated Statements of Changes in Shareholders’ Equity.
Statements of Income	Statements of Income Year Ended December 31, (dollar amounts in millions) 2019 2018 2017 Income Dividends from: The Huntington National Bank $ 685 $ 1,722 $ 298 Non-bank subsidiaries 3 — 14 Interest from: The Huntington National Bank 8 27 20 Non-bank subsidiaries 2 2 2 Other 2 (2 ) 4 Total income 700 1,749 338 Expense Personnel costs 6 2 19 Interest on borrowings 143 124 91 Other 145 118 115 Total expense 294 244 225 Income before income taxes and equity in undistributed net income of subsidiaries 406 1,505 113 Provision (benefit) for income taxes (63 ) (48 ) (56 ) Income before equity in undistributed net income of subsidiaries 469 1,553 169 Increase (decrease) in undistributed net income (loss) of: The Huntington National Bank 908 (186 ) 1,015 Non-bank subsidiaries 34 26 2 Net income $ 1,411 $ 1,393 $ 1,186 Other comprehensive income (loss) (1) 353 (80 ) (34 ) Comprehensive income $ 1,764 $ 1,313 $ 1,152 (1) See Consolidated Statements of Comprehensive Income for other comprehensive income (loss) detail.
Statements of Cash Flows	Statements of Cash Flows Year Ended December 31, (dollar amounts in millions) 2019 2018 2017 Operating activities Net income $ 1,411 $ 1,393 $ 1,186 Adjustments to reconcile net income to net cash provided by operating activities: Equity in undistributed net income of subsidiaries (942 ) 197 (997 ) Depreciation and amortization (2 ) (2 ) 4 Other, net (19 ) 121 (37 ) Net cash (used for) provided by operating activities 448 1,709 156 Investing activities Repayments from subsidiaries 701 21 442 Advances to subsidiaries (11 ) (13 ) (29 ) (Purchases)/Proceeds from sale of securities (38 ) — 1 Cash paid for acquisitions, net of cash received — (15 ) — Net cash (used for) provided by investing activities 652 (7 ) 414 Financing activities Net proceeds from issuance of medium-term notes 797 501 — Payment of medium-term notes — (400 ) — Dividends paid on common stock (671 ) (584 ) (425 ) Repurchases of common stock (441 ) (939 ) (260 ) Net proceeds from issuance of preferred stock — 495 — Other, net (18 ) (41 ) (20 ) Net cash provided by (used for) financing activities (333 ) (968 ) (705 ) Increase (decrease) in cash and cash equivalents 767 734 (135 ) Cash and cash equivalents at beginning of year 2,352 1,618 1,753 Cash and cash equivalents at end of year $ 3,119 $ 2,352 $ 1,618 Supplemental disclosure: Interest paid $ 135 $ 126 $ 90

SEGMENT REPORTING (Tables)

SEGMENT REPORTING (Tables)	12 Months Ended
	Dec. 31, 2019
Segment Reporting [Abstract]
Business Segment Financial Information	Listed in the table below is certain operating basis financial information reconciled to Huntington’s December 31, 2019 , December 31, 2018 , and December 31, 2017 , reported results by business segment: Income Statements (dollar amounts in millions) Consumer & Business Banking Commercial Banking Vehicle Finance RBHPCG Treasury / Other Huntington Consolidated 2019 Net interest income $ 1,766 $ 1,037 $ 397 $ 198 $ (185 ) $ 3,213 Provision (benefit) for credit losses 114 132 44 (3 ) — 287 Noninterest income 825 359 12 198 60 1,454 Noninterest expense 1,673 564 148 256 80 2,721 Provision (benefit) for income taxes 169 147 45 30 (143 ) 248 Net income (loss) $ 635 $ 553 $ 172 $ 113 $ (62 ) $ 1,411 2018 Net interest income $ 1,727 $ 1,013 $ 392 $ 203 $ (146 ) $ 3,189 Provision (benefit) for credit losses 137 42 55 1 — 235 Noninterest income 744 321 11 193 52 1,321 Noninterest expense 1,699 502 143 244 59 2,647 Provision (benefit) for income taxes 133 166 43 32 (139 ) 235 Net income (loss) $ 502 $ 624 $ 162 $ 119 $ (14 ) $ 1,393 2017 Net interest income $ 1,581 $ 975 $ 427 $ 209 $ (190 ) $ 3,002 Provision (benefit) for credit losses 105 33 63 — — 201 Noninterest income 740 286 14 189 78 1,307 Noninterest expense 1,641 465 141 239 228 2,714 Provision (benefit) for income taxes 201 267 83 56 (399 ) 208 Net income (loss) $ 374 $ 496 $ 154 $ 103 $ 59 $ 1,186
Segment Disclosure of Assets and Deposits	Assets at December 31, Deposits at December 31, (dollar amounts in millions) 2019 2018 2019 2018 Consumer & Business Banking $ 25,073 $ 27,486 $ 51,675 $ 50,300 Commercial Banking 34,337 34,818 20,762 23,185 Vehicle Finance 20,155 19,435 376 346 RBHPCG 6,665 6,540 6,370 6,809 Treasury / Other 22,772 20,502 3,164 4,134 Total $ 109,002 $ 108,781 $ 82,347 $ 84,774

QUARTERLY RESULTS OF OPERATIO_2

QUARTERLY RESULTS OF OPERATIONS (UNAUDITED) (Tables)	12 Months Ended
	Dec. 31, 2019
Quarterly Financial Information Disclosure [Abstract]
Schedule of quarterly results of operations	The following is a summary of the quarterly results of operations, for the years ended December 31, 2019 and 2018 : Three Months Ended December 31, September 30, June 30, March 31, (dollar amounts in millions, except per share data) 2019 2019 2019 2019 Interest income $ 1,011 $ 1,052 $ 1,068 $ 1,070 Interest expense 231 253 256 248 Net interest income 780 799 812 822 Provision for credit losses 79 82 59 67 Noninterest income 372 389 374 319 Noninterest expense 701 667 700 653 Income before income taxes 372 439 427 421 Provision for income taxes 55 67 63 63 Net income 317 372 364 358 Dividends on preferred shares 19 18 18 19 Net income applicable to common shares $ 298 $ 354 $ 346 $ 339 Net income per common share — Basic $ 0.29 $ 0.34 $ 0.33 $ 0.32 Net income per common share — Diluted 0.28 0.34 0.33 0.32 Three Months Ended December 31, September 30, June 30, March 31, (dollar amounts in millions, except per share data) 2018 2018 2018 2018 Interest income $ 1,056 $ 1,007 $ 972 $ 914 Interest expense 223 205 188 144 Net interest income 833 802 784 770 Provision for credit losses 60 53 56 66 Noninterest income 329 342 336 314 Noninterest expense 711 651 652 633 Income before income taxes 391 440 412 385 Provision (benefit) for income taxes 57 62 57 59 Net income 334 378 355 326 Dividends on preferred shares 19 18 21 12 Net income applicable to common shares $ 315 $ 360 $ 334 $ 314 Net income per common share — Basic $ 0.30 $ 0.33 $ 0.30 $ 0.29 Net income per common share — Diluted 0.29 0.33 0.30 0.28

SIGNIFICANT ACCOUNTING POLICI_3

SIGNIFICANT ACCOUNTING POLICIES - Loans and Leases (Details)	12 Months Ended
	Dec. 31, 2019USD ($)reservecomponent
Financing Receivable, Past Due [Line Items]
Allowance number of reserves | reserve	2
Allowance number of components of reserve | component	2
Commercial Portfolio Segment [Member]
Financing Receivable, Past Due [Line Items]
Threshold period past due for nonperforming status	90 days
Threshold past due for write-off	90 days
Threshold outstanding balance for quarterly impairment evaluation	$ 1,000,000
Commercial Real Estate Portfolio Segment [Member]
Financing Receivable, Past Due [Line Items]
Threshold period past due for nonperforming status	90 days
Threshold past due for write-off	90 days
Threshold outstanding balance for quarterly impairment evaluation	$ 1,000,000
Home Equity | First-lien home equity loan
Financing Receivable, Past Due [Line Items]
Threshold period past due for nonperforming status	150 days
Threshold past due for write-off	150 days
Home Equity | Junior-lien home equity loan
Financing Receivable, Past Due [Line Items]
Threshold past due for write-off	120 days
Automobile
Financing Receivable, Past Due [Line Items]
Threshold past due for write-off	120 days
Consumer
Financing Receivable, Past Due [Line Items]
Threshold past due for write-off	120 days
Residential Mortgage
Financing Receivable, Past Due [Line Items]
Threshold period past due for nonperforming status	150 days
Threshold past due for write-off	150 days

SIGNIFICANT ACCOUNTING POLICI_4

SIGNIFICANT ACCOUNTING POLICIES - Property, Plant, and Equipment (Details)	12 Months Ended
	Dec. 31, 2019
Buildings | Minimum
Property, Plant and Equipment [Line Items]
Property, plant and equipment useful life	30 years
Buildings | Maximum
Property, Plant and Equipment [Line Items]
Property, plant and equipment useful life	40 years
Building Improvements | Minimum
Property, Plant and Equipment [Line Items]
Property, plant and equipment useful life	10 years
Building Improvements | Maximum
Property, Plant and Equipment [Line Items]
Property, plant and equipment useful life	30 years
Land Improvements | Minimum
Property, Plant and Equipment [Line Items]
Property, plant and equipment useful life	5 years
Land Improvements | Maximum
Property, Plant and Equipment [Line Items]
Property, plant and equipment useful life	20 years
Equipment | Minimum
Property, Plant and Equipment [Line Items]
Property, plant and equipment useful life	3 years
Equipment | Maximum
Property, Plant and Equipment [Line Items]
Property, plant and equipment useful life	10 years
Furniture and Fixtures | Minimum
Property, Plant and Equipment [Line Items]
Property, plant and equipment useful life	5 years
Furniture and Fixtures | Maximum
Property, Plant and Equipment [Line Items]
Property, plant and equipment useful life	20 years

LOANS AND LEASES AND ALLOWANC_3

LOANS AND LEASES AND ALLOWANCE FOR CREDIT LOSSES - Narrative (Details) - USD ($)	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financial effects of modification	$ (2,000,000)	$ (15,000,000)
Transfer of Portfolio Loans and Leases to Held-for-sale	214,000,000	301,000,000	$ (12,000,000)
Loans net premium	525,000,000	428,000,000
Capital Leases, Future Minimum Payments Due, Fiscal Year Maturity [Abstract]
Future lease rental payments due	1,800,000,000
Future lease rental payments due, in 2016	700,000,000
Future lease rental payments due, in 2017	400,000,000
Future lease rental payments due, in 2018	300,000,000
Future lease rental payments due, in 2019	200,000,000
Future lease rental payments due, in 2020	100,000,000
Future lease rental payments due, after 2020	100,000,000
Allowance for loan and lease losses	783,000,000	772,000,000	691,000,000	$ 638,000,000
Interest income under original terms for NAL loans	26,000,000	22,000,000	21,000,000
Interest income recorded for NAL loans	9,000,000	12,000,000	18,000,000
Interest income under original terms for TDR loans	52,000,000	51,000,000	49,000,000
Interest income recorded for TDR loans	49,000,000	48,000,000	45,000,000
Amount of security for borrowing and advances	39,600,000,000	46,500,000,000
Consumer loans	81,000,000	79,000,000
Loans and Leases Receivable, Gross	75,404,000,000	74,900,000,000
Loans Receivable, Amortized Cost Disclosure		74,900,000,000
Loans and Leases Receivable, Net Amount	74,621,000,000	74,128,000,000
Commercial Portfolio Segment [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Capital Leases, Net Investment in Direct Financing Leases, Minimum Payments to be Received	1,841,000,000	1,747,000,000
Capital Leases, Future Minimum Payments Due, Fiscal Year Maturity [Abstract]
Allowance for loan and lease losses	552,000,000	542,000,000	482,000,000	451,000,000
Threshold outstanding balance for quarterly impairment evaluation	$ 1,000,000
Threshold period past due for nonperforming status	90 days
Loans and Leases Receivable, Gross	$ 30,664,000,000	30,605,000,000
Capital Leases, Net Investment in Direct Financing Leases, Unguaranteed Residual Values of Leased Property	728,000,000	726,000,000
Capital Leases Gross Investment In Direct Financing Leases	2,569,000,000	2,473,000,000
Capital Leases, Net Investment in Direct Financing Leases, Initial Direct Costs	19,000,000	20,000,000
Capital Leases, Net Investment in Direct Financing Leases, Deferred Income	249,000,000	250,000,000
Capital Leases, Net Investment in Direct Financing Leases	2,339,000,000	2,243,000,000
Consumer
Capital Leases, Future Minimum Payments Due, Fiscal Year Maturity [Abstract]
Allowance for loan and lease losses	231,000,000	230,000,000	$ 209,000,000	$ 187,000,000
Commercial and Industrial Loan [Member]
Capital Leases, Future Minimum Payments Due, Fiscal Year Maturity [Abstract]
Consumer loans	0	0
Loans and Leases Receivable, Gross	30,664,000,000	30,605,000,000
Loans Receivable, Amortized Cost Disclosure		30,605,000,000
Real Estate Loan [Member]
Capital Leases, Future Minimum Payments Due, Fiscal Year Maturity [Abstract]
Consumer loans	0	0
Loans and Leases Receivable, Gross	6,674,000,000	6,842,000,000
Consumer
Capital Leases, Future Minimum Payments Due, Fiscal Year Maturity [Abstract]
Consumer loans	0	0
Loans and Leases Receivable, Gross	1,237,000,000	1,320,000,000
Consumer | Consumer
Capital Leases, Future Minimum Payments Due, Fiscal Year Maturity [Abstract]
Loans and Leases Receivable, Gross	1,237,000,000
Loans Receivable, Amortized Cost Disclosure		1,320,000,000
Commercial real estate
Capital Leases, Future Minimum Payments Due, Fiscal Year Maturity [Abstract]
Loans Receivable, Amortized Cost Disclosure		6,842,000,000
Automobile Loan [Member]
Capital Leases, Future Minimum Payments Due, Fiscal Year Maturity [Abstract]
Consumer loans	0	0
Loans and Leases Receivable, Gross	12,797,000,000	12,429,000,000
Loans Receivable, Amortized Cost Disclosure		12,429,000,000
Automobile Loan [Member] | Consumer
Capital Leases, Future Minimum Payments Due, Fiscal Year Maturity [Abstract]
Loans and Leases Receivable, Gross	12,797,000,000	12,429,000,000
Home Equity
Capital Leases, Future Minimum Payments Due, Fiscal Year Maturity [Abstract]
Consumer loans	1,000,000	1,000,000
Loans and Leases Receivable, Gross	9,093,000,000	9,722,000,000
Loans Receivable, Amortized Cost Disclosure		9,722,000,000
Home Equity | Consumer
Capital Leases, Future Minimum Payments Due, Fiscal Year Maturity [Abstract]
Loans and Leases Receivable, Gross	9,092,000,000	9,720,000,000
Residential Mortgage
Capital Leases, Future Minimum Payments Due, Fiscal Year Maturity [Abstract]
Consumer loans	80,000,000	78,000,000
Loans and Leases Receivable, Gross	11,376,000,000	10,728,000,000
Loans Receivable, Amortized Cost Disclosure		10,728,000,000
RV and marine finance
Capital Leases, Future Minimum Payments Due, Fiscal Year Maturity [Abstract]
Consumer loans	0	0
Loans and Leases Receivable, Gross	3,563,000,000	3,254,000,000
Loans Receivable, Amortized Cost Disclosure		3,254,000,000
RV and marine finance | Consumer
Capital Leases, Future Minimum Payments Due, Fiscal Year Maturity [Abstract]
Loans and Leases Receivable, Gross	$ 3,563,000,000	$ 3,254,000,000

LOANS AND LEASES AND ALLOWANC_4

LOANS AND LEASES AND ALLOWANCE FOR CREDIT LOSSES - Direct Financing Leases (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Accounts, Notes, Loans and Financing Receivable [Line Items]
Direct Financing Lease, Interest Income	$ 108	$ 100
Loans and Leases Receivable, Collateral for Secured Borrowings	39,600	46,500
Residual Value of Leased Asset	95
Commercial Portfolio Segment [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Lease payments receivable	1,841	1,747
Estimated residual value of leased assets	728	726
Gross investment in commercial and industrial lease financing receivables	2,569	2,473
Deferred origination costs	19	20
Deferred fees	(249)	(250)
Total net investment in commercial and industrial lease financing receivables	$ 2,339	$ 2,243

LOANS AND LEASES AND ALLOWANC_5

LOANS AND LEASES AND ALLOWANCE FOR CREDIT LOSSES - Nonaccrual Loans by Loan Class (Details) - USD ($) $ in Millions	Dec. 31, 2019	Dec. 31, 2018
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total nonaccrual loans	$ 468	$ 340
Commercial Portfolio Segment [Member] | Commercial and Industrial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total nonaccrual loans	323	188
Commercial Portfolio Segment [Member] | Commercial Real Estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total nonaccrual loans	10	15
Consumer | Automobile
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total nonaccrual loans	4	5
Consumer | Home Equity
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total nonaccrual loans	59	62
Consumer | Residential Mortgage
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total nonaccrual loans	71	69
Consumer | RV and marine finance
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total nonaccrual loans	1	1
Consumer | Consumer
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total nonaccrual loans	$ 0	$ 0

LOANS AND LEASES AND ALLOWANC_6

LOANS AND LEASES AND ALLOWANCE FOR CREDIT LOSSES - NALs Past Due (Details) - USD ($) $ in Millions	Dec. 31, 2019	Dec. 31, 2018
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivable, Nonaccrual	$ 468	$ 340
Loans and leases, past due	788	774
Loans and leases, current	74,535	74,047
Loans and Leases Receivable, Gross	75,404	74,900
90 or more days past due and accruing	171	170
Consumer loans	81	79
30-59 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, past due	342	362
60-89 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, past due	129	114
90 or more days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, past due	317	298
Commercial and Industrial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, current	30,499	30,465
Loans and Leases Receivable, Gross	30,664	30,605
90 or more days past due and accruing	11	7
Consumer loans	0	0
Commercial and Industrial | 30-59 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, past due	65	72
Commercial and Industrial | 60-89 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, past due	31	17
Commercial and Industrial | 90 or more days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, past due	69	51
Commercial Real Estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, current	6,663	6,827
Loans and Leases Receivable, Gross	6,674	6,842
90 or more days past due and accruing	0	0
Consumer loans	0	0
Commercial Real Estate | 30-59 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, past due	3	10
Commercial Real Estate | 60-89 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, past due	1	0
Commercial Real Estate | 90 or more days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, past due	7	5
Automobile
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, current	12,672	12,305
Loans and Leases Receivable, Gross	12,797	12,429
90 or more days past due and accruing	8	8
Consumer loans	0	0
Automobile | 30-59 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, past due	95	95
Automobile | 60-89 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, past due	19	19
Automobile | 90 or more days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, past due	11	10
Home Equity
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, current	8,972	9,593
Loans and Leases Receivable, Gross	9,093	9,722
90 or more days past due and accruing	14	17
Consumer loans	1	1
Home Equity | 30-59 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, past due	50	51
Home Equity | 60-89 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, past due	19	21
Home Equity | 90 or more days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, past due	51	56
Residential Mortgage
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, current	10,974	10,327
Loans and Leases Receivable, Gross	11,376	10,728
90 or more days past due and accruing	129	131
Consumer loans	80	78
Residential Mortgage | 30-59 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, past due	103	108
Residential Mortgage | 60-89 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, past due	49	47
Residential Mortgage | 90 or more days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, past due	170	168
RV and marine finance
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, current	3,544	3,237
Loans and Leases Receivable, Gross	3,563	3,254
90 or more days past due and accruing	2	1
Consumer loans	0	0
RV and marine finance | 30-59 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, past due	13	12
RV and marine finance | 60-89 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, past due	4	3
RV and marine finance | 90 or more days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, past due	2	2
Consumer
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, current	1,211	1,293
Loans and Leases Receivable, Gross	1,237	1,320
90 or more days past due and accruing	7	6
Consumer loans	0	0
Consumer | 30-59 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, past due	13	14
Consumer | 60-89 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, past due	6	7
Consumer | 90 or more days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, past due	7	6
Commercial Portfolio Segment [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Gross	30,664	30,605
Commercial Portfolio Segment [Member] | Commercial and Industrial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivable, Nonaccrual	323	188
Loans and leases, past due	165	140
Commercial Portfolio Segment [Member] | Commercial Real Estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivable, Nonaccrual	10	15
Loans and leases, past due	11	15
Consumer | Automobile
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivable, Nonaccrual	4	5
Loans and leases, past due	125	124
Loans and Leases Receivable, Gross	12,797	12,429
Consumer | Home Equity
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivable, Nonaccrual	59	62
Loans and leases, past due	120	128
Loans and Leases Receivable, Gross	9,092	9,720
Consumer | Residential Mortgage
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivable, Nonaccrual	71	69
Loans and leases, past due	322	323
Consumer | RV and marine finance
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivable, Nonaccrual	1	1
Loans and leases, past due	19	17
Loans and Leases Receivable, Gross	3,563	3,254
Consumer | Consumer
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivable, Nonaccrual	0	0
Loans and leases, past due	26	$ 27
Loans and Leases Receivable, Gross	$ 1,237

LOANS AND LEASES AND ALLOWANC_7

LOANS AND LEASES AND ALLOWANCE FOR CREDIT LOSSES - Allowance for Credit Losses (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Financing Receivable, Allowance for Credit Loss [Roll Forward]
ALLL balance beginning of period	$ 772	$ 691	$ 638
Loan charge-offs	(362)	(268)	(252)
Recoveries of loans previously charged-off	97	123	93
Provision for loan and lease losses	(277)	(226)	(212)
Allowance for loans sold or transferred to loans held for sale	(1)
ALLL balance end of period	783	772	691
AULC balance beginning of period	96	87	98
Provision (reduction in allowance) for unfunded loan commitments and letters of credit	(10)	(9)	(11)
AULC balance end of period	104	96	87
ACL balance end of period	887	868	778
Additions to Unfunded Loan Commitments and Letters of Credit Allowance	(2)
Commercial Portfolio Segment [Member]
Financing Receivable, Allowance for Credit Loss [Roll Forward]
ALLL balance beginning of period	542	482	451
Loan charge-offs	(165)	(79)	(72)
Recoveries of loans previously charged-off	40	65	41
Provision for loan and lease losses	(135)	(74)	(62)
Allowance for loans sold or transferred to loans held for sale	0
ALLL balance end of period	552	542	482
AULC balance beginning of period	94	84	87
Provision (reduction in allowance) for unfunded loan commitments and letters of credit	(10)	(10)	(3)
AULC balance end of period	102	94	84
ACL balance end of period	654	636	566
Additions to Unfunded Loan Commitments and Letters of Credit Allowance	(2)
Consumer
Financing Receivable, Allowance for Credit Loss [Roll Forward]
ALLL balance beginning of period	230	209	187
Loan charge-offs	(197)	(189)	(180)
Recoveries of loans previously charged-off	57	58	52
Provision for loan and lease losses	(142)	(152)	(150)
Allowance for loans sold or transferred to loans held for sale	(1)
ALLL balance end of period	231	230	209
AULC balance beginning of period	2	3	11
Provision (reduction in allowance) for unfunded loan commitments and letters of credit	0	(1)	(8)
AULC balance end of period	2	2	3
ACL balance end of period	233	$ 232	$ 212
Additions to Unfunded Loan Commitments and Letters of Credit Allowance	$ 0

LOANS AND LEASES AND ALLOWANC_8

LOANS AND LEASES AND ALLOWANCE FOR CREDIT LOSSES - Credit Quality Indicators (Details) - USD ($) $ in Millions	Dec. 31, 2019	Dec. 31, 2018
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases (includes $81 and $79 respectively, measured at fair value)(1)	$ 75,404	$ 74,900
Commercial Portfolio Segment [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases (includes $81 and $79 respectively, measured at fair value)(1)	30,664	30,605
Commercial Portfolio Segment [Member] | Pass
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases (includes $81 and $79 respectively, measured at fair value)(1)	28,477	28,807
Commercial Portfolio Segment [Member] | OLEM
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases (includes $81 and $79 respectively, measured at fair value)(1)	634	518
Commercial Portfolio Segment [Member] | Substandard
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases (includes $81 and $79 respectively, measured at fair value)(1)	1,551	1,269
Commercial Portfolio Segment [Member] | Doubtful
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases (includes $81 and $79 respectively, measured at fair value)(1)	2	11
Commercial Real Estate Portfolio Segment [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases (includes $81 and $79 respectively, measured at fair value)(1)	6,674	6,842
Commercial Real Estate Portfolio Segment [Member] | Pass
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases (includes $81 and $79 respectively, measured at fair value)(1)	6,487	6,586
Commercial Real Estate Portfolio Segment [Member] | OLEM
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases (includes $81 and $79 respectively, measured at fair value)(1)	98	181
Commercial Real Estate Portfolio Segment [Member] | Substandard
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases (includes $81 and $79 respectively, measured at fair value)(1)	88	74
Commercial Real Estate Portfolio Segment [Member] | Doubtful
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases (includes $81 and $79 respectively, measured at fair value)(1)	1	1
Automobile Loan [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases (includes $81 and $79 respectively, measured at fair value)(1)	12,797	12,429
Automobile Loan [Member] | Consumer
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases (includes $81 and $79 respectively, measured at fair value)(1)	12,797	12,429
Automobile Loan [Member] | Consumer | FICO Score, Greater than 750
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases (includes $81 and $79 respectively, measured at fair value)(1)	6,759	6,254
Automobile Loan [Member] | Consumer | 650-749
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases (includes $81 and $79 respectively, measured at fair value)(1)	4,661	4,520
Automobile Loan [Member] | Consumer | 650
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases (includes $81 and $79 respectively, measured at fair value)(1)	1,377	1,373
Automobile Loan [Member] | Consumer | Other
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases (includes $81 and $79 respectively, measured at fair value)(1)	0	282
Home Equity Loan [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases (includes $81 and $79 respectively, measured at fair value)(1)	9,093	9,722
Home Equity Loan [Member] | Consumer
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases (includes $81 and $79 respectively, measured at fair value)(1)	9,092	9,720
Home Equity Loan [Member] | Consumer | FICO Score, Greater than 750
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases (includes $81 and $79 respectively, measured at fair value)(1)	5,763	6,098
Home Equity Loan [Member] | Consumer | 650-749
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases (includes $81 and $79 respectively, measured at fair value)(1)	2,772	2,975
Home Equity Loan [Member] | Consumer | 650
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases (includes $81 and $79 respectively, measured at fair value)(1)	557	591
Home Equity Loan [Member] | Consumer | Other
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases (includes $81 and $79 respectively, measured at fair value)(1)	0	56
Residential Loan [Member] | Consumer
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases (includes $81 and $79 respectively, measured at fair value)(1)	11,296	10,650
Residential Loan [Member] | Consumer | FICO Score, Greater than 750
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases (includes $81 and $79 respectively, measured at fair value)(1)	7,976	7,159
Residential Loan [Member] | Consumer | 650-749
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases (includes $81 and $79 respectively, measured at fair value)(1)	2,742	2,801
Residential Loan [Member] | Consumer | 650
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases (includes $81 and $79 respectively, measured at fair value)(1)	578	612
Residential Loan [Member] | Consumer | Other
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases (includes $81 and $79 respectively, measured at fair value)(1)	0	78
Other Consumer Loan [Member] | Consumer
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases (includes $81 and $79 respectively, measured at fair value)(1)	1,237	1,320
Other Consumer Loan [Member] | Consumer | FICO Score, Greater than 750
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases (includes $81 and $79 respectively, measured at fair value)(1)	546	501
Other Consumer Loan [Member] | Consumer | 650-749
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases (includes $81 and $79 respectively, measured at fair value)(1)	571	633
Other Consumer Loan [Member] | Consumer | 650
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases (includes $81 and $79 respectively, measured at fair value)(1)	120	129
Other Consumer Loan [Member] | Consumer | Other
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases (includes $81 and $79 respectively, measured at fair value)(1)	0	57
RV and marine finance
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases (includes $81 and $79 respectively, measured at fair value)(1)	3,563	3,254
RV and marine finance | Consumer
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases (includes $81 and $79 respectively, measured at fair value)(1)	3,563	3,254
RV and marine finance | Consumer | FICO Score, Greater than 750
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases (includes $81 and $79 respectively, measured at fair value)(1)	2,391	2,074
RV and marine finance | Consumer | 650-749
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases (includes $81 and $79 respectively, measured at fair value)(1)	1,053	990
RV and marine finance | Consumer | 650
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases (includes $81 and $79 respectively, measured at fair value)(1)	119	105
RV and marine finance | Consumer | Other
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases (includes $81 and $79 respectively, measured at fair value)(1)	$ 0	$ 85

LOANS AND LEASES AND ALLOWANC_9

LOANS AND LEASES AND ALLOWANCE FOR CREDIT LOSSES - ALLL Attributable to Loans by Portfolio Segment (Details) - USD ($) $ in Millions	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Accounts, Notes, Loans and Financing Receivable [Line Items]
Attributable to loans collectively evaluated for impairment	$ 714	$ 729
Attributable to loans individually evaluated for impairment	69	43
Total ALLL balance:	783	772	$ 691	$ 638
Collectively evaluated for impairment	74,149	73,714
Financing Receivable Evaluated For Impairment	75,323	74,821
Individually evaluated for impairment	1,174	1,107
Commercial Portfolio Segment [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Attributable to loans collectively evaluated for impairment	491	509
Attributable to loans individually evaluated for impairment	61	33
Total ALLL balance:	552	542	482	451
Collectively evaluated for impairment	36,738	36,931
Financing Receivable Evaluated For Impairment	37,338	37,447
Individually evaluated for impairment	600	516
Consumer
Accounts, Notes, Loans and Financing Receivable [Line Items]
Attributable to loans collectively evaluated for impairment	223	220
Attributable to loans individually evaluated for impairment	8	10
Total ALLL balance:	231	230	$ 209	$ 187
Collectively evaluated for impairment	37,411	36,783
Financing Receivable Evaluated For Impairment	37,985	37,374
Individually evaluated for impairment	$ 574	$ 591

LOANS AND LEASES AND ALLOWAN_10

LOANS AND LEASES AND ALLOWANCE FOR CREDIT LOSSES - Impaired Loans (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Commercial Portfolio Segment [Member] | Commercial and Industrial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Impaired loans and leases with no related allowance, ending balance	$ 181	$ 224
Impaired loans and leases with no related allowance, unpaid principle	215	261
Impaired loans and leases with no related allowance, average balance	204	256
Impaired loans and leases with no related allowance, interest income recognized	19	22
Impaired loans and leases with an allowance recorded, ending balance	366	221
Impaired loans and leases with an allowance recorded, unpaid principle	425	240
Impaired loans and leases with an allowance recorded, related allowance	60	31
Impaired Financing Receivable, Average Recorded Investment	516	528
Impaired loans and leases with an allowance recorded, average balance	312	272
Impaired loans and leases with an allowance recorded, interest income recognized	11	11
Considered impaired due to TDR status	322	366
Impaired Financing Receivable, Recorded Investment	547	445
Impaired Financing Receivable, Unpaid Principal Balance	640	501
Impaired Financing Receivable, Interest Income, Accrual Method	30	33
Commercial Portfolio Segment [Member] | Commercial Real Estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Impaired loans and leases with no related allowance, ending balance	25	36
Impaired loans and leases with no related allowance, unpaid principle	26	45
Impaired loans and leases with no related allowance, average balance	32	47
Impaired loans and leases with no related allowance, interest income recognized	8	8
Impaired loans and leases with an allowance recorded, ending balance	28	35
Impaired loans and leases with an allowance recorded, unpaid principle	31	39
Impaired loans and leases with an allowance recorded, related allowance	1	2
Impaired Financing Receivable, Average Recorded Investment	63	92
Impaired loans and leases with an allowance recorded, average balance	31	45
Impaired loans and leases with an allowance recorded, interest income recognized	2	2
Considered impaired due to TDR status	43	60
Impaired Financing Receivable, Recorded Investment	53	71
Impaired Financing Receivable, Unpaid Principal Balance	57	84
Impaired Financing Receivable, Interest Income, Accrual Method	10	10
Consumer | Automobile
Accounts, Notes, Loans and Financing Receivable [Line Items]
Impaired loans and leases with an allowance recorded, ending balance	43	38
Impaired loans and leases with an allowance recorded, unpaid principle	46	42
Impaired loans and leases with an allowance recorded, related allowance	2	2
Impaired Financing Receivable, Average Recorded Investment	40	37
Impaired loans and leases with an allowance recorded, average balance	40	37
Impaired loans and leases with an allowance recorded, interest income recognized	3	2
Impaired Financing Receivable, Recorded Investment	43	38
Impaired Financing Receivable, Unpaid Principal Balance	46	42
Impaired Financing Receivable, Interest Income, Accrual Method	3	2
Consumer | Home Equity
Accounts, Notes, Loans and Financing Receivable [Line Items]
Impaired loans and leases with an allowance recorded, ending balance	284	314
Impaired loans and leases with an allowance recorded, unpaid principle	281	356
Impaired loans and leases with an allowance recorded, related allowance	9	10
Impaired Financing Receivable, Average Recorded Investment	300	326
Impaired loans and leases with an allowance recorded, average balance	300	326
Impaired loans and leases with an allowance recorded, interest income recognized	14	14
Impaired Financing Receivable, Recorded Investment	284	314
Impaired Financing Receivable, Unpaid Principal Balance	281	356
Impaired Financing Receivable, Interest Income, Accrual Method	14	14
Consumer | Residential Mortgage
Accounts, Notes, Loans and Financing Receivable [Line Items]
Impaired loans and leases with an allowance recorded, ending balance	293	287
Impaired loans and leases with an allowance recorded, unpaid principle	329	323
Impaired loans and leases with an allowance recorded, related allowance	4	4
Impaired Financing Receivable, Average Recorded Investment	288	297
Impaired loans and leases with an allowance recorded, average balance	288	297
Impaired loans and leases with an allowance recorded, interest income recognized	11	11
Impaired Financing Receivable, Recorded Investment	293	287
Impaired Financing Receivable, Unpaid Principal Balance	329	323
Impaired Financing Receivable, Interest Income, Accrual Method	11	11
Consumer | RV and marine finance
Accounts, Notes, Loans and Financing Receivable [Line Items]
Impaired loans and leases with an allowance recorded, ending balance	4	2
Impaired loans and leases with an allowance recorded, unpaid principle	4	3
Impaired loans and leases with an allowance recorded, related allowance	0	0
Impaired Financing Receivable, Average Recorded Investment	3	2
Impaired loans and leases with an allowance recorded, average balance	3	2
Impaired loans and leases with an allowance recorded, interest income recognized	0	0
Impaired Financing Receivable, Recorded Investment	4	2
Impaired Financing Receivable, Unpaid Principal Balance	4	3
Impaired Financing Receivable, Interest Income, Accrual Method	0	0
Consumer | Consumer
Accounts, Notes, Loans and Financing Receivable [Line Items]
Impaired loans and leases with an allowance recorded, ending balance	11	9
Impaired loans and leases with an allowance recorded, unpaid principle	11	9
Impaired loans and leases with an allowance recorded, related allowance	2	3
Impaired Financing Receivable, Average Recorded Investment	10	8
Impaired loans and leases with an allowance recorded, average balance	10	8
Impaired loans and leases with an allowance recorded, interest income recognized	0	0
Impaired Financing Receivable, Recorded Investment	11	9
Impaired Financing Receivable, Unpaid Principal Balance	11	9
Impaired Financing Receivable, Interest Income, Accrual Method	$ 0	$ 0

LOANS AND LEASES AND ALLOWAN_11

LOANS AND LEASES AND ALLOWANCE FOR CREDIT LOSSES - TDRs (Details) $ in Millions	12 Months Ended
	Dec. 31, 2019USD ($)contract	Dec. 31, 2018USD ($)contract
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of Contracts | contract	5,229	6,391
Post-modification Outstanding Balance (2)	$ 283	$ 539
Financial effects of modification	(2)	(15)
Amount of security for borrowing and advances	39,600	46,500
Interest rate reduction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Post-modification Outstanding Balance (2)	8	8
Amortization or maturity date change
Accounts, Notes, Loans and Financing Receivable [Line Items]
Post-modification Outstanding Balance (2)	249	508
Chapter 7 bankruptcy
Accounts, Notes, Loans and Financing Receivable [Line Items]
Post-modification Outstanding Balance (2)	19	23
Other
Accounts, Notes, Loans and Financing Receivable [Line Items]
Post-modification Outstanding Balance (2)	$ 7	$ 0
Commercial Portfolio Segment [Member] | Commercial and Industrial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of Contracts | contract	482	725
Post-modification Outstanding Balance (2)	$ 179	$ 352
Commercial Portfolio Segment [Member] | Commercial and Industrial | Interest rate reduction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Post-modification Outstanding Balance (2)	0	0
Commercial Portfolio Segment [Member] | Commercial and Industrial | Amortization or maturity date change
Accounts, Notes, Loans and Financing Receivable [Line Items]
Post-modification Outstanding Balance (2)	172	352
Commercial Portfolio Segment [Member] | Commercial and Industrial | Chapter 7 bankruptcy
Accounts, Notes, Loans and Financing Receivable [Line Items]
Post-modification Outstanding Balance (2)	0	0
Commercial Portfolio Segment [Member] | Commercial and Industrial | Other
Accounts, Notes, Loans and Financing Receivable [Line Items]
Post-modification Outstanding Balance (2)	$ 7	$ 0
Commercial Portfolio Segment [Member] | Commercial Real Estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of Contracts | contract	29	102
Post-modification Outstanding Balance (2)	$ 13	$ 82
Commercial Portfolio Segment [Member] | Commercial Real Estate | Interest rate reduction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Post-modification Outstanding Balance (2)	0	0
Commercial Portfolio Segment [Member] | Commercial Real Estate | Amortization or maturity date change
Accounts, Notes, Loans and Financing Receivable [Line Items]
Post-modification Outstanding Balance (2)	13	82
Commercial Portfolio Segment [Member] | Commercial Real Estate | Chapter 7 bankruptcy
Accounts, Notes, Loans and Financing Receivable [Line Items]
Post-modification Outstanding Balance (2)	0	0
Commercial Portfolio Segment [Member] | Commercial Real Estate | Other
Accounts, Notes, Loans and Financing Receivable [Line Items]
Post-modification Outstanding Balance (2)	$ 0	$ 0
Consumer | Automobile
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of Contracts | contract	2,971	2,867
Post-modification Outstanding Balance (2)	$ 26	$ 23
Consumer | Automobile | Interest rate reduction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Post-modification Outstanding Balance (2)	0	0
Consumer | Automobile | Amortization or maturity date change
Accounts, Notes, Loans and Financing Receivable [Line Items]
Post-modification Outstanding Balance (2)	19	15
Consumer | Automobile | Chapter 7 bankruptcy
Accounts, Notes, Loans and Financing Receivable [Line Items]
Post-modification Outstanding Balance (2)	7	8
Consumer | Automobile | Other
Accounts, Notes, Loans and Financing Receivable [Line Items]
Post-modification Outstanding Balance (2)	$ 0	$ 0
Consumer | Home Equity
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of Contracts | contract	306	602
Post-modification Outstanding Balance (2)	$ 17	$ 36
Consumer | Home Equity | Interest rate reduction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Post-modification Outstanding Balance (2)	0	0
Consumer | Home Equity | Amortization or maturity date change
Accounts, Notes, Loans and Financing Receivable [Line Items]
Post-modification Outstanding Balance (2)	9	25
Consumer | Home Equity | Chapter 7 bankruptcy
Accounts, Notes, Loans and Financing Receivable [Line Items]
Post-modification Outstanding Balance (2)	8	11
Consumer | Home Equity | Other
Accounts, Notes, Loans and Financing Receivable [Line Items]
Post-modification Outstanding Balance (2)	$ 0	$ 0
Consumer | Residential Mortgage
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of Contracts | contract	330	345
Post-modification Outstanding Balance (2)	$ 37	$ 37
Consumer | Residential Mortgage | Interest rate reduction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Post-modification Outstanding Balance (2)	0	0
Consumer | Residential Mortgage | Amortization or maturity date change
Accounts, Notes, Loans and Financing Receivable [Line Items]
Post-modification Outstanding Balance (2)	35	34
Consumer | Residential Mortgage | Chapter 7 bankruptcy
Accounts, Notes, Loans and Financing Receivable [Line Items]
Post-modification Outstanding Balance (2)	2	3
Consumer | Residential Mortgage | Other
Accounts, Notes, Loans and Financing Receivable [Line Items]
Post-modification Outstanding Balance (2)	$ 0	$ 0
Consumer | RV and marine finance
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of Contracts | contract	139	117
Post-modification Outstanding Balance (2)	$ 3	$ 1
Consumer | RV and marine finance | Interest rate reduction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Post-modification Outstanding Balance (2)	0	0
Consumer | RV and marine finance | Amortization or maturity date change
Accounts, Notes, Loans and Financing Receivable [Line Items]
Post-modification Outstanding Balance (2)	1	0
Consumer | RV and marine finance | Chapter 7 bankruptcy
Accounts, Notes, Loans and Financing Receivable [Line Items]
Post-modification Outstanding Balance (2)	2	1
Consumer | RV and marine finance | Other
Accounts, Notes, Loans and Financing Receivable [Line Items]
Post-modification Outstanding Balance (2)	$ 0	$ 0
Consumer | Consumer
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of Contracts | contract	972	1,633
Post-modification Outstanding Balance (2)	$ 8	$ 8
Consumer | Consumer | Interest rate reduction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Post-modification Outstanding Balance (2)	8	8
Consumer | Consumer | Amortization or maturity date change
Accounts, Notes, Loans and Financing Receivable [Line Items]
Post-modification Outstanding Balance (2)	0	0
Consumer | Consumer | Chapter 7 bankruptcy
Accounts, Notes, Loans and Financing Receivable [Line Items]
Post-modification Outstanding Balance (2)	0	0
Consumer | Consumer | Other
Accounts, Notes, Loans and Financing Receivable [Line Items]
Post-modification Outstanding Balance (2)	$ 0	$ 0

INVESTMENT SECURITIES AND OTH_3

INVESTMENT SECURITIES AND OTHER SECURITIES - Schedule of Amortized Cost, Fair Value, and Gross Unrelaized Gains(Losses) (Details) - USD ($)	Dec. 31, 2019	Dec. 31, 2018
Schedule of investment securities and other securities [Line Items]
Debt Securities, Available-for-sale, Allocated and Single Maturity Date, Maturity, after 10 Years, Amortized Cost	$ 11,042,000,000	$ 11,027,000,000
Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, after 10 Years, Fair Value	11,125,000,000	10,754,000,000
Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, after Five Through Ten Years, Amortized Cost	1,594,000,000	1,838,000,000
Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, after One Through Five Years, Amortized Cost	1,196,000,000	1,057,000,000
Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, within One Year, Amortized Cost	231,000,000	186,000,000
Debt Securities, Available-for-sale, Amortized Cost	14,063,000,000	14,108,000,000
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Gain, before Tax	137,000,000	31,000,000
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Loss, before Tax	(51,000,000)	(359,000,000)
Debt Securities, Available-for-sale	14,149,000,000	13,780,000,000
Debt Securities, Held-to-maturity	9,070,000,000	8,565,000,000
Debt Securities, Held-to-maturity, Accumulated Unrecognized Gain	119,000,000	2,000,000
Debt Securities, Held-to-maturity, Accumulated Unrecognized Loss	(3,000,000)	(281,000,000)
Debt Securities, Held-to-maturity, Fair Value	9,186,000,000	8,286,000,000
Equity Securities, FV-NI, Cost	441,000,000	564,000,000
Equity Securities, FV-NI, Accumulated Gross Unrealized Gain, before Tax	0	1,000,000
Equity Securities, FV-NI, Accumulated Gross Unrealized Loss, before Tax	0	0
Equity Securities, FV-NI	441,000,000	565,000,000
Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, within One Year, Fair Value	229,000,000	185,000,000
Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, after One Through Five Years, Fair Value	1,189,000,000	1,039,000,000
Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, after Five Through Ten Years, Fair Value	1,606,000,000	1,802,000,000
U.S. Treasury securities
Schedule of investment securities and other securities [Line Items]
Debt Securities, Available-for-sale, Amortized Cost	10,000,000	5,000,000
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Gain, before Tax	0	0
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Loss, before Tax	0	0
Debt Securities, Available-for-sale	10,000,000	5,000,000
Collateralized Mortgage Obligations [Member]
Schedule of investment securities and other securities [Line Items]
Debt Securities, Available-for-sale, Amortized Cost	5,055,000,000	7,185,000,000
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Gain, before Tax	48,000,000	15,000,000
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Loss, before Tax	(18,000,000)	(201,000,000)
Debt Securities, Available-for-sale	5,085,000,000	6,999,000,000
Debt Securities, Held-to-maturity	2,351,000,000	2,124,000,000
Debt Securities, Held-to-maturity, Accumulated Unrecognized Gain	33,000,000	0
Debt Securities, Held-to-maturity, Accumulated Unrecognized Loss	(3,000,000)	(47,000,000)
Debt Securities, Held-to-maturity, Fair Value	2,381,000,000	2,077,000,000
Residential Mortgage Backed Securities [Member]
Schedule of investment securities and other securities [Line Items]
Debt Securities, Available-for-sale, Amortized Cost	4,180,000,000	1,261,000,000
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Gain, before Tax	45,000,000	9,000,000
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Loss, before Tax	(3,000,000)	(15,000,000)
Debt Securities, Available-for-sale	4,222,000,000	1,255,000,000
Debt Securities, Held-to-maturity	2,463,000,000	1,851,000,000
Debt Securities, Held-to-maturity, Accumulated Unrecognized Gain	50,000,000	2,000,000
Debt Securities, Held-to-maturity, Accumulated Unrecognized Loss	0	(42,000,000)
Debt Securities, Held-to-maturity, Fair Value	2,513,000,000	1,811,000,000
Commercial Mortgage Backed Securities [Member]
Schedule of investment securities and other securities [Line Items]
Debt Securities, Available-for-sale, Amortized Cost	979,000,000	1,641,000,000
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Gain, before Tax	1,000,000	0
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Loss, before Tax	(4,000,000)	(58,000,000)
Debt Securities, Available-for-sale	976,000,000	1,583,000,000
Debt Securities, Held-to-maturity	3,959,000,000	4,235,000,000
Debt Securities, Held-to-maturity, Accumulated Unrecognized Gain	34,000,000	0
Debt Securities, Held-to-maturity, Accumulated Unrecognized Loss	0	(186,000,000)
Debt Securities, Held-to-maturity, Fair Value	3,993,000,000	4,049,000,000
Other Federal Agencies [Member]
Schedule of investment securities and other securities [Line Items]
Debt Securities, Available-for-sale, Amortized Cost	165,000,000	128,000,000
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Gain, before Tax	1,000,000	0
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Loss, before Tax	(1,000,000)	(2,000,000)
Debt Securities, Available-for-sale	165,000,000	126,000,000
Debt Securities, Held-to-maturity	293,000,000	350,000,000
Debt Securities, Held-to-maturity, Accumulated Unrecognized Gain	2,000,000	0
Debt Securities, Held-to-maturity, Accumulated Unrecognized Loss	0	(6,000,000)
Debt Securities, Held-to-maturity, Fair Value	295,000,000	344,000,000
US Government-sponsored Enterprises Debt Securities [Member]
Schedule of investment securities and other securities [Line Items]
Debt Securities, Available-for-sale, Amortized Cost	10,389,000,000	10,220,000,000
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Gain, before Tax	95,000,000	24,000,000
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Loss, before Tax	(26,000,000)	(276,000,000)
Debt Securities, Available-for-sale	10,458,000,000	9,968,000,000
Debt Securities, Held-to-maturity	9,066,000,000	8,560,000,000
Debt Securities, Held-to-maturity, Accumulated Unrecognized Gain	119,000,000	2,000,000
Debt Securities, Held-to-maturity, Accumulated Unrecognized Loss	(3,000,000)	(281,000,000)
Debt Securities, Held-to-maturity, Fair Value	9,182,000,000	8,281,000,000
Municipal securities
Schedule of investment securities and other securities [Line Items]
Debt Securities, Available-for-sale, Amortized Cost	3,044,000,000	3,512,000,000
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Gain, before Tax	34,000,000	6,000,000
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Loss, before Tax	(23,000,000)	(78,000,000)
Debt Securities, Available-for-sale	3,055,000,000	3,440,000,000
Debt Securities, Held-to-maturity	4,000,000	5,000,000
Debt Securities, Held-to-maturity, Accumulated Unrecognized Gain	0	0
Debt Securities, Held-to-maturity, Accumulated Unrecognized Loss	0	0
Debt Securities, Held-to-maturity, Fair Value	4,000,000	5,000,000
Mortgage-backed Securities, Issued by Private Enterprises [Member]
Schedule of investment securities and other securities [Line Items]
Debt Securities, Available-for-sale, Amortized Cost	2,000,000
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Gain, before Tax	0
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Loss, before Tax	0
Debt Securities, Available-for-sale	2,000,000
Asset-backed securities
Schedule of investment securities and other securities [Line Items]
Debt Securities, Available-for-sale, Amortized Cost	575,000,000	318,000,000
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Gain, before Tax	6,000,000	1,000,000
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Loss, before Tax	(2,000,000)	(4,000,000)
Debt Securities, Available-for-sale	579,000,000	315,000,000
Corporate debt
Schedule of investment securities and other securities [Line Items]
Debt Securities, Available-for-sale, Amortized Cost	49,000,000	54,000,000
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Gain, before Tax	2,000,000	0
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Loss, before Tax	0	(1,000,000)
Debt Securities, Available-for-sale	51,000,000	53,000,000
Other Securities
Schedule of investment securities and other securities [Line Items]
Debt Securities, Available-for-sale, Amortized Cost	4,000,000	4,000,000
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Gain, before Tax	0	0
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Loss, before Tax	0	0
Debt Securities, Available-for-sale	4,000,000	4,000,000
Mutual Fund [Member]
Schedule of investment securities and other securities [Line Items]
Equity Securities, FV-NI, Cost	53,000,000	20,000,000
Equity Securities, FV-NI, Accumulated Gross Unrealized Gain, before Tax	0	0
Equity Securities, FV-NI, Accumulated Gross Unrealized Loss, before Tax	0	0
Equity Securities, FV-NI	53,000,000	20,000,000
Equity Securities [Member]
Schedule of investment securities and other securities [Line Items]
Equity Securities, FV-NI, Cost	1,000,000	1,000,000
Equity Securities, FV-NI, Accumulated Gross Unrealized Gain, before Tax	0	1,000,000
Equity Securities, FV-NI, Accumulated Gross Unrealized Loss, before Tax	0	0
Equity Securities, FV-NI	1,000,000	2,000,000
Investment in Federal Home Loan Bank Stock [Member] | Nonmarketable Equity Securities [Member]
Schedule of investment securities and other securities [Line Items]
Equity Securities, FV-NI, Cost	90,000,000	248,000,000
Equity Securities, FV-NI, Accumulated Gross Unrealized Gain, before Tax	0	0
Equity Securities, FV-NI, Accumulated Gross Unrealized Loss, before Tax	0	0
Equity Securities, FV-NI	90,000,000	248,000,000
Investment in Federal Reserve Stock [Member] | Nonmarketable Equity Securities [Member]
Schedule of investment securities and other securities [Line Items]
Equity Securities, FV-NI, Cost	297,000,000	295,000,000
Equity Securities, FV-NI, Accumulated Gross Unrealized Gain, before Tax	0	0
Equity Securities, FV-NI, Accumulated Gross Unrealized Loss, before Tax	0	0
Equity Securities, FV-NI	$ 297,000,000	$ 295,000,000

INVESTMENT SECURITIES AND OTH_4

INVESTMENT SECURITIES AND OTHER SECURITIES - Contractual Maturities (Details) - USD ($) $ in Millions	Dec. 31, 2019	Dec. 31, 2018
Investments, Debt and Equity Securities [Abstract]
Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, within One Year, Amortized Cost	$ 231	$ 186
Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, within One Year, Fair Value	229	185
Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, after One Through Five Years, Amortized Cost	1,196	1,057
Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, after One Through Five Years, Fair Value	1,189	1,039
Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, after Five Through Ten Years, Amortized Cost	1,594	1,838
Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, after Five Through Ten Years, Fair Value	1,606	1,802
Debt Securities, Available-for-sale, Allocated and Single Maturity Date, Maturity, after 10 Years, Amortized Cost	11,042	11,027
Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, after 10 Years, Fair Value	11,125	10,754
Debt Securities, Available-for-sale, Amortized Cost	14,063	14,108
Debt Securities, Available-for-sale	14,149	13,780
Debt Securities, Held-to-maturity, Maturity, Allocated and Single Maturity Date, within One Year, Amortized Cost	0	0
Debt Securities, Held-to-maturity, Maturity, Allocated and Single Maturity Date, within One Year, Fair Value	0	0
Debt Securities, Held-to-maturity, Maturity, Allocated and Single Maturity Date, after One Through Five Years, Amortized Cost	17	11
Debt Securities, Held-to-maturity, Maturity, Allocated and Single Maturity Date, after One Through Five Years, Fair Value	17	11
Debt Securities, Held-to-maturity, Maturity, Allocated and Single Maturity Date, after Five Through Ten Years, Amortized Cost	300	362
Debt Securities, Held-to-maturity, Maturity, Allocated and Single Maturity Date, after Five Through Ten Years, Fair Value	305	356
Debt Securities, Held-to-maturity, Maturity, Allocated and Single Maturity Date, after 10 Years, Amortized Cost	8,753	8,192
Debt Securities, Held-to-maturity, Maturity, Allocated and Single Maturity Date, after 10 Years, Fair Value	8,864	7,919
Debt Securities, Held-to-maturity	9,070	8,565
Debt Securities, Held-to-maturity, Fair Value	$ 9,186	$ 8,286

INVESTMENT SECURITIES AND OTH_5

INVESTMENT SECURITIES AND OTHER SECURITIES - Continuous Unrealized Loss Position (Details) - USD ($) $ in Millions	Dec. 31, 2019	Dec. 31, 2018
Investment securities and other securities disclosure [Line Items]
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months	$ 3,323	$ 2,254
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss	(21)	(35)
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer	2,041	9,679
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss	(30)	(324)
Debt Securities, Available-for-sale, Unrealized Loss Position	5,364	11,933
Debt Securities, Available-for-sale, Unrealized Loss Position, Accumulated Loss	(51)	(359)
Debt Securities, Held-to-maturity, Continuous Unrealized Loss Position, Less than 12 Months, Fair Value	678	141
Debt Securities, Held-to-maturity, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss	(1)	(2)
Debt Securities, Held-to-maturity, Continuous Unrealized Loss Position, 12 Months or Longer, Fair Value	112	7,711
Debt Securities, Held-to-maturity, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss	(2)	(279)
Debt Securities, Held-to-maturity, Unrealized Loss Position, Fair Value	790	7,852
Debt Securities, Held-to-maturity, Unrealized Loss Position, Accumulated Loss	(3)	(281)
Collateralized Mortgage Obligations [Member]
Investment securities and other securities disclosure [Line Items]
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months	1,206	425
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss	(10)	(3)
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer	519	5,943
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss	(8)	(198)
Debt Securities, Available-for-sale, Unrealized Loss Position	1,725	6,368
Debt Securities, Available-for-sale, Unrealized Loss Position, Accumulated Loss	(18)	(201)
Debt Securities, Held-to-maturity, Continuous Unrealized Loss Position, Less than 12 Months, Fair Value	218	12
Debt Securities, Held-to-maturity, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss	(1)	0
Debt Securities, Held-to-maturity, Continuous Unrealized Loss Position, 12 Months or Longer, Fair Value	112	2,004
Debt Securities, Held-to-maturity, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss	(2)	(47)
Debt Securities, Held-to-maturity, Unrealized Loss Position, Fair Value	330	2,016
Debt Securities, Held-to-maturity, Unrealized Loss Position, Accumulated Loss	(3)	(47)
Residential Mortgage Backed Securities [Member]
Investment securities and other securities disclosure [Line Items]
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months	1,169	259
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss	(3)	(6)
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer	9	319
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss	0	(9)
Debt Securities, Available-for-sale, Unrealized Loss Position	1,178	578
Debt Securities, Available-for-sale, Unrealized Loss Position, Accumulated Loss	(3)	(15)
Debt Securities, Held-to-maturity, Continuous Unrealized Loss Position, Less than 12 Months, Fair Value	317	16
Debt Securities, Held-to-maturity, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss	0	0
Debt Securities, Held-to-maturity, Continuous Unrealized Loss Position, 12 Months or Longer, Fair Value	0	1,457
Debt Securities, Held-to-maturity, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss	0	(42)
Debt Securities, Held-to-maturity, Unrealized Loss Position, Fair Value	317	1,473
Debt Securities, Held-to-maturity, Unrealized Loss Position, Accumulated Loss	0	(42)
Commercial Mortgage Backed Securities [Member]
Investment securities and other securities disclosure [Line Items]
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months	472	10
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss	(2)	0
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer	272	1,573
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss	(2)	(58)
Debt Securities, Available-for-sale, Unrealized Loss Position	744	1,583
Debt Securities, Available-for-sale, Unrealized Loss Position, Accumulated Loss	(4)	(58)
Debt Securities, Held-to-maturity, Continuous Unrealized Loss Position, Less than 12 Months, Fair Value	81	0
Debt Securities, Held-to-maturity, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss	0	0
Debt Securities, Held-to-maturity, Continuous Unrealized Loss Position, 12 Months or Longer, Fair Value	0	4,041
Debt Securities, Held-to-maturity, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss	0	(186)
Debt Securities, Held-to-maturity, Unrealized Loss Position, Fair Value	81	4,041
Debt Securities, Held-to-maturity, Unrealized Loss Position, Accumulated Loss	0	(186)
Other Federal Agencies [Member]
Investment securities and other securities disclosure [Line Items]
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months	86	0
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss	(1)	0
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer	0	124
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss	0	(2)
Debt Securities, Available-for-sale, Unrealized Loss Position	86	124
Debt Securities, Available-for-sale, Unrealized Loss Position, Accumulated Loss	(1)	(2)
Debt Securities, Held-to-maturity, Continuous Unrealized Loss Position, Less than 12 Months, Fair Value	58	113
Debt Securities, Held-to-maturity, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss	0	(2)
Debt Securities, Held-to-maturity, Continuous Unrealized Loss Position, 12 Months or Longer, Fair Value	0	205
Debt Securities, Held-to-maturity, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss	0	(4)
Debt Securities, Held-to-maturity, Unrealized Loss Position, Fair Value	58	318
Debt Securities, Held-to-maturity, Unrealized Loss Position, Accumulated Loss	0	(6)
US Government-sponsored Enterprises Debt Securities [Member]
Investment securities and other securities disclosure [Line Items]
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months	2,933	694
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss	(16)	(9)
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer	800	7,959
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss	(10)	(267)
Debt Securities, Available-for-sale, Unrealized Loss Position	3,733	8,653
Debt Securities, Available-for-sale, Unrealized Loss Position, Accumulated Loss	(26)	(276)
Debt Securities, Held-to-maturity, Continuous Unrealized Loss Position, Less than 12 Months, Fair Value	674	141
Debt Securities, Held-to-maturity, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss	(1)	(2)
Debt Securities, Held-to-maturity, Continuous Unrealized Loss Position, 12 Months or Longer, Fair Value	112	7,707
Debt Securities, Held-to-maturity, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss	(2)	(279)
Debt Securities, Held-to-maturity, Unrealized Loss Position, Fair Value	786	7,848
Debt Securities, Held-to-maturity, Unrealized Loss Position, Accumulated Loss	(3)	(281)
Municipal securities
Investment securities and other securities disclosure [Line Items]
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months	273	1,425
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss	(4)	(24)
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer	1,204	1,602
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss	(19)	(54)
Debt Securities, Available-for-sale, Unrealized Loss Position	1,477	3,027
Debt Securities, Available-for-sale, Unrealized Loss Position, Accumulated Loss	(23)	(78)
Debt Securities, Held-to-maturity, Continuous Unrealized Loss Position, Less than 12 Months, Fair Value	4	0
Debt Securities, Held-to-maturity, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss	0	0
Debt Securities, Held-to-maturity, Continuous Unrealized Loss Position, 12 Months or Longer, Fair Value	0	4
Debt Securities, Held-to-maturity, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss	0	0
Debt Securities, Held-to-maturity, Unrealized Loss Position, Fair Value	4	4
Debt Securities, Held-to-maturity, Unrealized Loss Position, Accumulated Loss	0	0
Asset-backed Securities [Member]
Investment securities and other securities disclosure [Line Items]
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months	116	95
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss	(1)	(2)
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer	37	117
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss	(1)	(2)
Debt Securities, Available-for-sale, Unrealized Loss Position	153	212
Debt Securities, Available-for-sale, Unrealized Loss Position, Accumulated Loss	(2)	(4)
Corporate debt
Investment securities and other securities disclosure [Line Items]
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months	1	40
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss	0	0
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer	0	1
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss	0	(1)
Debt Securities, Available-for-sale, Unrealized Loss Position	1	41
Debt Securities, Available-for-sale, Unrealized Loss Position, Accumulated Loss	$ 0	$ (1)

INVESTMENT SECURITIES AND OTH_6

INVESTMENT SECURITIES AND OTHER SECURITIES - Realized Securities Gains (Losses) (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Investments, Debt and Equity Securities [Abstract]
Pledged Financial Instruments, Not Separately Reported, Securities for Other Debt Facilities	$ 3,800	$ 4,500
Available-for-sale Securities, Gross Realized Gains	11	7	$ 10
Available-for-sale Securities, Gross Realized Losses	(35)	(28)	(10)
Debt and Equity Securities, Gain (Loss)	(24)	(21)	0
Other than Temporary Impairment Losses, Investments, Portion Recognized in Earnings, Net, Available-for-sale Securities	0	0	(4)
Available-for-sale Securities, Gross Realized Gain (Loss)	(24)	(21)	(4)
Payments to Acquire Available-for-sale Securities	$ 6,036	$ 2,485	$ 5,429

INVESTMENT SECURITIES AND OTH_7

INVESTMENT SECURITIES AND OTHER SECURITIES (Details) - USD ($)	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Investments, Debt and Equity Securities [Abstract]
Pledged Financial Instruments, Not Separately Reported, Securities for Other Debt Facilities	$ 3,800,000,000	$ 4,500,000,000
Other-than-temporary Impairment Loss, Debt Securities, Portion Recognized in Earnings	1,000,000	$ 0
Other-than-temporary Impairment Loss, Equity Securities, Portion Recognized in Earnings	$ 0

MORTGAGE LOAN SALES AND SERVI_3

MORTGAGE LOAN SALES AND SERVICING RIGHTS - Narrative (Details) - Residential Mortgage - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Securitization or Asset-backed Financing Arrangement, Financial Asset for which Transfer is Accounted as Sale [Line Items]
Servicing Asset at Fair Value, Other Changes in Fair Value	$ 7	$ 10
Servicing Asset at Fair Value, Period Increase (Decrease)	3	1
Servicing, late and other ancillary fees included in mortgage banking income	63	60	$ 56
Unpaid principal balance of third party serviced loans	$ 22,400	$ 21,000	$ 19,800

MORTGAGE LOAN SALES AND SERVI_4

MORTGAGE LOAN SALES AND SERVICING RIGHTS - Residential Mortgage Portfolio (Details) - Residential Mortgage - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Securitization or Asset-backed Financing Arrangement, Financial Asset for which Transfer is Accounted as Sale [Line Items]
Residential mortgage loans sold with servicing retained	$ 4,841	$ 3,846	$ 3,985
Pretax gains resulting from above loan sales	$ 119	$ 87	$ 99

MORTGAGE LOAN SALES AND SERVI_5

MORTGAGE LOAN SALES AND SERVICING RIGHTS - Residential Mortgage Portfolio, MSRs Amortization Method (Details) - Residential Mortgage - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Servicing Asset at Amortized Cost, Balance [Roll Forward]
Carrying value, beginning of year	$ 211	$ 191
New servicing assets created	52	44
Impairment (charge) recovery	(14)	(6)
Amortization and other	(44)	(30)
Carrying value, end of year	205	211
Fair value, end of year	$ 206	$ 212
Sensitivity Analysis Amortization Carrying Method
Servicing Asset at Amortized Cost, Balance [Roll Forward]
Weighted-average life (years)	6 years 4 months 24 days	6 years 8 months 12 days

MORTGAGE LOAN SALES AND SERVI_6

MORTGAGE LOAN SALES AND SERVICING RIGHTS - Residential Mortgage Portfolio, MSRs Amortization Method Assumptions (Details) - Residential Mortgage - Sensitivity Analysis Amortization Carrying Method - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Sensitivity Analysis of Fair Value of Interests Continued to be Held by Transferor, Servicing Assets or Liabilities, Impact of Adverse Change in Assumption [Line Items]
Constant prepayment rate (annualized)	12.20%	9.40%
Constant prepayment rate (annualized), Decline in fair value due to 10% adverse change	$ (8)	$ (6)
Constant prepayment rate (annualized), Decline in fair value due to 20% adverse change	$ (16)	$ (12)
Spread over forward interest rate swap rates	9.00%	9.00%
Spread over forward interest rate swap rates, Decline in fair value due to 10% adverse change	$ (6)	$ (7)
Spread over forward interest rate swap rates, Decline in fair value due to 20% adverse change	$ (12)	$ (13)

GOODWILL AND OTHER INTANGIBLE_3

GOODWILL AND OTHER INTANGIBLE ASSETS - Schedule of Goodwill (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Goodwill by business segment
Beginning Balance	$ 1,989	$ 1,993
Goodwill acquired during the period	0	1
Adjustments	(1)	5
Impairment	0
Ending Balance	1,990	1,989
Operating Segments | Consumer & Business Banking
Goodwill by business segment
Beginning Balance	1,393	1,398
Goodwill acquired during the period	0	0
Adjustments	0	(5)
Ending Balance	1,393	1,393
Operating Segments | Commercial Banking
Goodwill by business segment
Beginning Balance	426	425
Goodwill acquired during the period	0	1
Adjustments	1	0
Ending Balance	427	426
Operating Segments | Vehicle Finance
Goodwill by business segment
Beginning Balance	0	0
Goodwill acquired during the period	0	0
Adjustments	0	0
Ending Balance	0	0
Operating Segments | RBHPCG
Goodwill by business segment
Beginning Balance	170	170
Goodwill acquired during the period	0	0
Adjustments	0	0
Ending Balance	170	170
Treasury / Other
Goodwill by business segment
Beginning Balance	0	0
Goodwill acquired during the period	0	0
Adjustments	0	0
Ending Balance	$ 0	$ 0

GOODWILL AND OTHER INTANGIBLE_4

GOODWILL AND OTHER INTANGIBLE ASSETS - Schedule of Other Intangible Assets (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Finite-Lived Intangible Assets [Line Items]
Goodwill	$ 1,990	$ 1,989	$ 1,993
Total other intangible assets, gross carrying amount	425	496
Total other intangible assets, accumulated amortization	(193)	(215)
Total other intangible assets, net of carrying value	232	281
Goodwill, Other Increase (Decrease)	1	(5)
Core deposit intangible
Finite-Lived Intangible Assets [Line Items]
Total other intangible assets, gross carrying amount	310	314
Total other intangible assets, accumulated amortization	(120)	(93)
Total other intangible assets, net of carrying value	190	221
Customer relationship
Finite-Lived Intangible Assets [Line Items]
Total other intangible assets, gross carrying amount	115	182
Total other intangible assets, accumulated amortization	(73)	(122)
Total other intangible assets, net of carrying value	$ 42	$ 60

GOODWILL AND OTHER INTANGIBLE_5

GOODWILL AND OTHER INTANGIBLE ASSETS - Future Amortization of Intangible Assets (Details) $ in Millions	Dec. 31, 2019USD ($)
Goodwill and Intangible Assets Disclosure [Abstract]
2016	$ 41
2017	38
2018	36
2019	34
2020	$ 32

GOODWILL AND OTHER INTANGIBLE_6

GOODWILL AND OTHER INTANGIBLE ASSETS - Narrative (Details) $ in Millions	Oct. 01, 2018USD ($)	Dec. 31, 2019USD ($)segments	Dec. 31, 2019USD ($)segments	Dec. 31, 2018USD ($)	Dec. 31, 2017USD ($)
Business Acquisition [Line Items]
Goodwill, Other Increase (Decrease)			$ 1	$ (5)
Number of Reportable Segments | segments		4	4
Goodwill		$ 1,990	$ 1,990	1,989	$ 1,993
Other intangible assets		$ 232	232	281
Goodwill acquired during the period			0	$ 1
Impairment of goodwill			$ 0
Hutchinson, Shockey, Erley & Co [Member]
Business Acquisition [Line Items]
Goodwill acquired during the period	$ 1

OPERATING LEASES Net Operating

OPERATING LEASES Net Operating Lease Assets and Liabilities (Details) $ in Millions	Dec. 31, 2019USD ($)
Net Operating Lease Assets and Liabilities [Abstract]
Operating Lease, Right-of-Use Asset	$ 210
Operating Lease, Liability	$ 233

OPERATING LEASES Lease Cost (De

OPERATING LEASES Lease Cost (Details) $ in Millions	12 Months Ended
	Dec. 31, 2019USD ($)
Lease, Cost [Abstract]
Operating Lease, Cost	$ 47
Short-term Lease, Cost	1
Sublease Income	3
Lease, Cost	$ 45

OPERATING LEASES Maturity of Le

OPERATING LEASES Maturity of Lease Liabilities (Details) $ in Millions	Dec. 31, 2019USD ($)
Net Operating Lease Assets and Liabilities [Abstract]
Lessee, Operating Lease, Liability, Payments, Remainder of Fiscal Year	$ 48
Lessee, Operating Lease, Liability, Payments, Due Year Two	43
Lessee, Operating Lease, Liability, Payments, Due Year Three	38
Lessee, Operating Lease, Liability, Payments, Due Year Four	33
Lessee, Operating Lease, Liability, Payments, Due Year Five	28
Lessee, Operating Lease, Liability, Payments, Due after Year Five	86
Lessee, Operating Lease, Liability, Payments, Due	276
Lessee, Operating Lease, Liability, Undiscounted Excess Amount	43
Operating Lease, Liability	$ 233

OPERATING LEASES Lease Cost and

OPERATING LEASES Lease Cost and Discount Rate (Details)	Dec. 31, 2019Rate
Net Operating Lease Assets and Liabilities [Abstract]
Operating Lease, Weighted Average Remaining Lease Term	7 years 3 months 21 days
Operating Lease, Weighted Average Discount Rate, Percent	4.56%

OPERATING LEASES Supplemental C

OPERATING LEASES Supplemental Cash Flow Information (Details) $ in Millions	12 Months Ended
	Dec. 31, 2019USD ($)
Supplemental Cash Flow Information [Abstract]
Operating Lease, Payments	$ 54
Right-of-Use Asset Obtained in Exchange for Operating Lease Liability	$ 40

PREMISES AND EQUIPMENT (Details

PREMISES AND EQUIPMENT (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Property, Plant and Equipment, Net, by Type [Abstract]
Premises and equipment, gross	$ 1,723	$ 1,705
Less accumulated depreciation and amortization	(960)	(915)
Net premises and equipment	763	790
Property Plant and Equipment Income Statement Disclosures [Abstract]
Total depreciation and amortization of premises and equipment	116	130	$ 123
Rental income credited to occupancy expense	11	13	$ 14
Land and land improvements
Property, Plant and Equipment, Net, by Type [Abstract]
Premises and equipment, gross	189	188
Buildings
Property, Plant and Equipment, Net, by Type [Abstract]
Premises and equipment, gross	587	579
Leasehold improvements
Property, Plant and Equipment, Net, by Type [Abstract]
Premises and equipment, gross	205	199
Equipment
Property, Plant and Equipment, Net, by Type [Abstract]
Premises and equipment, gross	$ 742	$ 739

SHORT-TERM BORROWINGS (Details)

SHORT-TERM BORROWINGS (Details) - USD ($) $ in Millions	Dec. 31, 2019	Dec. 31, 2018
Short-term Debt [Line Items]
Total short-term borrowings	$ 2,606	$ 2,017
Federal funds purchased and securities sold under agreements to repurchase
Short-term Debt [Line Items]
Total short-term borrowings	1,041	2,004
Federal Home Loan Bank advances
Short-term Debt [Line Items]
Total short-term borrowings	1,500	0
Other borrowings
Short-term Debt [Line Items]
Total short-term borrowings	$ 65	$ 13

LONG-TERM DEBT - Schedule of Lo

LONG-TERM DEBT - Schedule of Long-Term Debt (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2019	Aug. 01, 2019	Feb. 19, 2019	Jan. 29, 2019	Dec. 31, 2018
Debt Instrument [Line Items]
Document Period End Date	Dec. 31, 2019
Long-term borrowings	$ 9,849				$ 8,625
Subordinated Notes
Debt Instrument [Line Items]
Long-term borrowings	5,263				4,957
Subordinated Notes | 3.86% Huntington National Bank subordinated notes due 2026
Debt Instrument [Line Items]
Long-term borrowings	$ 231				229
Stated rate	3.86%
Subordinated Notes | 5.45% Huntington National Bank subordinated notes due 2019
Debt Instrument [Line Items]
Long-term borrowings	$ 0				76
Stated rate	5.45%
Senior Notes | 3.60% Huntington National Bank senior notes due 2023
Debt Instrument [Line Items]
Long-term borrowings	$ 778				756
Effective rate	3.60%
Senior Notes | 3.33% Huntington National Bank senior notes due 2021
Debt Instrument [Line Items]
Long-term borrowings	$ 759				750
Effective rate	3.33%
Senior Notes | 2.47% Huntington National Bank senior notes due 2020
Debt Instrument [Line Items]
Long-term borrowings	$ 699				692
Stated rate	2.47%
Senior Notes | 2.55% Huntington National Bank senior notes due 2022
Debt Instrument [Line Items]
Long-term borrowings	$ 691				672
Effective rate	2.55%
Senior Notes | 3.16% Huntington National Bank senior note due 2022
Debt Instrument [Line Items]
Long-term borrowings	$ 507				0
Senior Notes | 2.43% Huntington National Bank senior note due 2020
Debt Instrument [Line Items]
Long-term borrowings	$ 500				493
Stated rate	3.16%
Senior Notes | 2.97% Huntington National Bank senior notes due 2020
Debt Instrument [Line Items]
Long-term borrowings	$ 499				491
Stated rate	2.97%
Senior Notes | 2.42% Huntington National Bank senior notes due 2020 (5)
Debt Instrument [Line Items]
Long-term borrowings	$ 300				300
Effective rate	2.42%
Senior Notes | 2.46% Huntington National Bank senior notes due 2021 (6)
Debt Instrument [Line Items]
Long-term borrowings	$ 299				0
Effective rate	2.46%
Senior Notes | 2.23% Huntington National Bank senior note due 2019
Debt Instrument [Line Items]
Long-term borrowings	$ 0				498
Stated rate	2.43%
Senior Notes | Huntington National Bank Senior Note Due February 2021, No Coupon Rate
Debt Instrument [Line Items]
Debt face amount				$ 300
Debt percent of value issued	100.00%
Senior Notes | Huntington National Bank Senior Note Due April 2022, 3.125 Percent
Debt Instrument [Line Items]
Stated rate				3.125%
Debt face amount			$ 500
Debt percent of value issued	99.909%
Senior Notes | Huntington National Bank Senior Note Due August 2024 2.625 Percent
Debt Instrument [Line Items]
Stated rate		2.625%
Debt face amount		$ 800
Debt percent of value issued	99.781%
Federal Home Loan Bank advances
Debt Instrument [Line Items]
Long-term borrowings	$ 5				6
Other borrowings
Debt Instrument [Line Items]
Long-term borrowings	$ 486				446
Other borrowings | Federal Home Loan Bank advances
Debt Instrument [Line Items]
Effective rate	3.01%
Other borrowings | Huntington Technology Finance nonrecourse debt, 4.08% weighted average interest rate, varying maturities
Debt Instrument [Line Items]
Long-term borrowings	$ 312				322
Effective rate	4.08%
Other borrowings | 3.79% Huntington Preferred Capital II - Class F securities
Debt Instrument [Line Items]
Long-term borrowings	$ 74				74
Effective rate	3.79%
Other borrowings | 3.79% Huntington Preferred Capital II - Class G securities
Debt Instrument [Line Items]
Long-term borrowings	$ 50				50
Effective rate	3.79%
Other borrowings | 3.91% Huntington Preferred Capital II - Class I securities
Debt Instrument [Line Items]
Long-term borrowings	$ 50				0
Effective rate	3.91%
Other borrowings | London Interbank Offered Rate (LIBOR) [Member] | 3.79% Huntington Preferred Capital II - Class F securities
Debt Instrument [Line Items]
Basis spread on variable rate	1.88%
Other borrowings | London Interbank Offered Rate (LIBOR) [Member] | 3.91% Huntington Preferred Capital II - Class I securities
Debt Instrument [Line Items]
Basis spread on variable rate	2.00%
Parent Company
Debt Instrument [Line Items]
Long-term borrowings	$ 4,095				3,216
Parent Company | Subordinated Notes | 7.00% Huntington Bancshares Incorporated subordinated notes due 2020
Debt Instrument [Line Items]
Long-term borrowings	$ 305				305
Stated rate	7.00%
Parent Company | Subordinated Notes | 3.55% Huntington Bancshares Incorporated subordinated notes due 2023
Debt Instrument [Line Items]
Long-term borrowings	$ 247				239
Stated rate	3.55%
Parent Company | Subordinated Notes | Sky Financial Capital Trust IV 3.31% junior subordinated debentures due 2036 (1)
Debt Instrument [Line Items]
Long-term borrowings	$ 74				74
Effective rate	3.31%
Parent Company | Subordinated Notes | Sky Financial Capital Trust III 3.31% junior subordinated debentures due 2036 (1)
Debt Instrument [Line Items]
Long-term borrowings	$ 72				72
Effective rate	3.31%
Parent Company | Subordinated Notes | Huntington Capital I Trust Preferred 2.61% junior subordinated debentures due 2027 (2)
Debt Instrument [Line Items]
Long-term borrowings	$ 70				69
Effective rate	2.61%
Parent Company | Subordinated Notes | Huntington Capital II Trust Preferred 2.53% junior subordinated debentures due 2028 (3)
Debt Instrument [Line Items]
Long-term borrowings	$ 32				31
Effective rate	2.53%
Parent Company | Subordinated Notes | Camco Financial Statutory Trust I 3.24% due 2037 (4)
Debt Instrument [Line Items]
Long-term borrowings	$ 4				4
Effective rate	3.24%
Parent Company | Subordinated Notes | London Interbank Offered Rate (LIBOR) [Member] | Sky Financial Capital Trust IV 3.31% junior subordinated debentures due 2036 (1)
Debt Instrument [Line Items]
Basis spread on variable rate	1.40%
Parent Company | Subordinated Notes | London Interbank Offered Rate (LIBOR) [Member] | Huntington Capital I Trust Preferred 2.61% junior subordinated debentures due 2027 (2)
Debt Instrument [Line Items]
Basis spread on variable rate	0.70%
Parent Company | Subordinated Notes | London Interbank Offered Rate (LIBOR) [Member] | Huntington Capital II Trust Preferred 2.53% junior subordinated debentures due 2028 (3)
Debt Instrument [Line Items]
Basis spread on variable rate	0.625%
Parent Company | Subordinated Notes | London Interbank Offered Rate (LIBOR) [Member] | Camco Financial Statutory Trust I 3.24% due 2037 (4)
Debt Instrument [Line Items]
Basis spread on variable rate	1.33%
Parent Company | Subordinated Notes | London Interbank Offered Rate (LIBOR) [Member] | 2.42% Huntington National Bank senior notes due 2020 (5)
Debt Instrument [Line Items]
Basis spread on variable rate	0.51%
Parent Company | Subordinated Notes | London Interbank Offered Rate (LIBOR) [Member] | 2.46% Huntington National Bank senior notes due 2021 (6)
Debt Instrument [Line Items]
Basis spread on variable rate	0.55%
Parent Company | Senior Notes | 3.19% Huntington Bancshares Incorporated medium-term notes due 2021
Debt Instrument [Line Items]
Long-term borrowings	$ 993				969
Stated rate	3.19%
Parent Company | Senior Notes | 2.33% Huntington Bancshares Incorporated senior notes due 2022
Debt Instrument [Line Items]
Long-term borrowings	$ 972				946
Stated rate	2.33%
Parent Company | Senior Notes | Huntington Bancshares Incorporated Senior Note Due 2024, 2.67 Percent [Member]
Debt Instrument [Line Items]
Effective rate	2.67%
Parent Company | Senior Notes | 2.67% Huntington Bancshares Incorporated senior notes due 2024
Debt Instrument [Line Items]
Long-term borrowings	$ 798				0
Parent Company | Senior Notes | 4.05% Huntington Bancshares Incorporated senior notes due 2025
Debt Instrument [Line Items]
Long-term borrowings	$ 528				$ 507
Effective rate	4.05%

LONG-TERM DEBT - Maturities (De

LONG-TERM DEBT - Maturities (Details) $ in Millions	Dec. 31, 2019USD ($)
Long-term Debt, Fiscal Year Maturity [Abstract]
2019	$ 2,407
2020	2,111
2021	2,296
2022	1,124
2023	901
Thereafter	1,005
Long-term Debt, Gross	9,844
Parent Company | Senior Notes
Long-term Debt, Fiscal Year Maturity [Abstract]
2019	0
2020	1,000
2021	1,000
2022	0
2023	800
Thereafter	500
Long-term Debt, Gross	3,300
Parent Company | Subordinated Notes
Long-term Debt, Fiscal Year Maturity [Abstract]
2019	300
2020	0
2021	0
2022	250
2023	0
Thereafter	253
Long-term Debt, Gross	803
Bank | Senior Notes
Long-term Debt, Fiscal Year Maturity [Abstract]
2019	2,000
2020	1,050
2021	1,200
2022	750
2023	0
Thereafter	0
Long-term Debt, Gross	5,000
Bank | Subordinated Notes
Long-term Debt, Fiscal Year Maturity [Abstract]
2019	0
2020	0
2021	0
2022	0
2023	0
Thereafter	250
Long-term Debt, Gross	250
Bank | Federal Home Loan Bank advances
Long-term Debt, Fiscal Year Maturity [Abstract]
2019	2
2020	0
2021	1
2022	1
2023	0
Thereafter	1
Long-term Debt, Gross	5
Bank | Other borrowings
Long-term Debt, Fiscal Year Maturity [Abstract]
2019	105
2020	61
2021	95
2022	123
2023	101
Thereafter	1
Long-term Debt, Gross	$ 486

LONG-TERM DEBT - Narrative (Det

LONG-TERM DEBT - Narrative (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Debt Instrument [Line Items]
Long-term debt	$ 9,849	$ 8,625
Subordinated Notes
Debt Instrument [Line Items]
Long-term debt	5,263	4,957
Other borrowings
Debt Instrument [Line Items]
Long-term debt	486	446
Parent Company
Debt Instrument [Line Items]
Long-term debt	$ 4,095	3,216
Parent Company | Subordinated Notes | Huntington Capital II Trust Preferred 2.53% junior subordinated debentures due 2028 (3)
Debt Instrument [Line Items]
Effective rate	2.53%
Long-term debt	$ 32	$ 31
Parent Company | Subordinated Notes | Huntington Capital II Trust Preferred 2.53% junior subordinated debentures due 2028 (3) | London Interbank Offered Rate (LIBOR) [Member]
Debt Instrument [Line Items]
Basis spread on variable rate	0.625%

OTHER COMPREHENSIVE INCOME - Ac

OTHER COMPREHENSIVE INCOME - Activity/Roll Forward (Details) - USD ($) $ in Millions	3 Months Ended	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Pretax
Noncredit-related impairment recoveries (losses) on securities not expected to be sold				$ 4
Change in fair value of cash flow hedging relationships arising during the period				3
Less: Amortization of premiums of floors designated as cash flow hedges included in net income				1
Net change in fair value on cash flow hedges	$ 26			4
Net change in pension and post-retirement obligations		$ 7	$ (4)	0
Total other comprehensive income (loss), pretax		448	(106)	(52)
Tax (Expense) Benefit
Noncredit-related impairment recoveries (losses) on securities not expected to be sold				(2)
Change in fair value of the excluded components, net of reclassification to earnings				(1)
Less: Reclassification adjustment for net (gains) losses included in net income				0
Net change in fair value on cash flow hedges	(3)			(1)
Net change in pension and other post-retirement obligations		2	0	0
Total other comprehensive income (loss)		(95)	26	18
After-tax
Noncredit-related impairment recoveries (losses) on securities not expected to be sold				2
Net change in unrealized holding gains (losses) on available-for-sale debt/equity securities		335	(84)	(39)
Unrealized gains and losses on derivatives used in cash flow hedging relationships arising during the period				2
Less: Reclassification adjustment for net losses (gains) losses included in net income				1
Net change in unrealized gains (losses) on derivatives used in cash flow hedging relationships	$ 23	0	0	3
Net change in pension and post-retirement obligations		(5)	4	0
Other comprehensive income (loss), net of tax		353	(80)	(34)
Equity Securities [Member]
Pretax
Net change in unrealized holding gains (losses) on available-for-sale debt/equity securities				1
Tax (Expense) Benefit
Net change in unrealized holding gains (losses) on available-for-sale debt/equity securities				(1)
After-tax
Net change in unrealized holding gains (losses) on available-for-sale debt/equity securities				0
Debt securities
Pretax
Unrealized holding gains (losses) on available-for-sale securities arising during the period		403	(151)	(87)
Less: Reclassification adjustment for realized net losses (gains) included in net income		26	41	26
Net change in unrealized holding gains (losses) on available-for-sale debt/equity securities		429	(110)	(57)
Tax (Expense) Benefit
Unrealized holding gains (losses) on available-for-sale securities arising during the period		(89)	35	31
Less: Reclassification adjustment for realized net losses (gains) included in net income		(5)	(9)	(9)
Net change in unrealized holding gains (losses) on available-for-sale debt/equity securities		(94)	26	20
After-tax
Unrealized holding gains (losses) on available-for-sale debt securities arising during the period		314	(116)	(56)
Less: Reclassification adjustment for net gains (losses) included in net income		21	32	17
Net change in unrealized holding gains (losses) on available-for-sale debt/equity securities		$ 335	$ (84)	$ (37)

OTHER COMPREHENSIVE INCOME - AO

OTHER COMPREHENSIVE INCOME - AOCI Roll Forward (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Accumulated Other Comprehensive Income (Loss) [Line Items]
New Accounting Pronouncement or Change in Accounting Principle, Cumulative Effect of Change on Equity or Net Assets		$ 1
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Beginning balance	$ 11,102	10,814	$ 10,308
Other comprehensive income before reclassifications	337	(116)
Amounts reclassified from accumulated OCI to earnings	16	36
Period change	353	(80)
Tax Cuts and Job Acts of 2017, Reclassification from AOCI to Retained Earnings			0
Ending balance	11,795	11,102	10,814
AOCI attributable to parent
Accumulated Other Comprehensive Income (Loss) [Line Items]
Other Comprehensive Income, Other, Net of Tax			(1)
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Beginning balance	(609)	(528)	(401)
Tax Cuts and Job Acts of 2017, Reclassification from AOCI to Retained Earnings			(93)
Ending balance	(256)	(609)	(528)
Unrealized gains and (losses) on securities | Debt securities
Accumulated Other Comprehensive Income (Loss) [Line Items]
Other Comprehensive Income, Other, Net of Tax			(1)
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Beginning balance	(363)	(278)
Other comprehensive income before reclassifications	314	(116)
Amounts reclassified from accumulated OCI to earnings	21	32
Period change	335	(84)
Ending balance	(28)	(363)	(278)
Change in fair value related to cash flow hedges
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Beginning balance	0	0
Other comprehensive income before reclassifications	23	0
Amounts reclassified from accumulated OCI to earnings	0	0
Period change	23	0
Ending balance	23	0	0
Unrealized gains (losses) for pension and other post-retirement obligations
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Beginning balance	(246)	(250)
Other comprehensive income before reclassifications	0	0
Amounts reclassified from accumulated OCI to earnings	(5)	4
Period change	(5)	4
Ending balance	(251)	(246)	(250)
Reclassification out of Accumulated Other Comprehensive Income
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Transferred from AFS to HTM	$ 121	$ 137	$ (95)

OTHER COMPREHENSIVE INCOME - Re

OTHER COMPREHENSIVE INCOME - Reclassifications (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Interest income—held-to-maturity securities—taxable	$ 218	$ 211	$ 193
Debt and Equity Securities, Gain (Loss)	(24)	(21)	0
Noninterest income—net gains (losses) on sale of securities, OTTI	0	0	(4)
Interest income - loans and leases	3,541	3,305	2,838
Noninterest income - other income	183	163	171
Noninterest income	1,654	1,559	$ 1,524
Net of tax	(16)	(36)
Change in fair value related to cash flow hedges
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Net of tax	0	0
Unrealized gains (losses) for pension and other post-retirement obligations
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Net of tax	$ 5	$ (4)

SHAREHOLDERS' EQUITY - Preferre

SHAREHOLDERS' EQUITY - Preferred Stock Issued and Outstanding (Details) $ / shares in Units, $ in Millions	12 Months Ended
	Dec. 31, 2019USD ($)$ / sharesRateshares	Dec. 31, 2018USD ($)shares	Feb. 27, 2018$ / shares
Class of Stock [Line Items]
Preferred Stock, Shares Outstanding | shares	740,500	740,500
Preferred Stock, Value, Outstanding	$ 1,203
Preferred Stock, Value, Issued	$ 1,203	$ 1,203
Preferred Stock
Class of Stock [Line Items]
Preferred stock, liquidation preference per share (in dollars per share) | $ / shares	$ 1,000
Series A Preferred Stock
Class of Stock [Line Items]
Preferred stock, dividend percentage	0.085
Series B Preferred Stock
Class of Stock [Line Items]
Preferred Stock, Shares Outstanding | shares	35,500
Preferred Stock, Value, Outstanding	$ 23
Preferred stock, dividend percentage	3-mo. LIBOR + 270 bps
Preferred Stock, Redemption Date	Jan. 15, 2017
Depository share, percent interest in preferred stock	0.025
Series D Preferred Stock
Class of Stock [Line Items]
Preferred Stock, Shares Outstanding | shares	400,000
Preferred Stock, Value, Outstanding	$ 386
Preferred Stock, Dividend Rate, Percentage | Rate	6.25%
Preferred Stock, Redemption Date	Jul. 15, 2021
Series D Preferred Stock2
Class of Stock [Line Items]
Preferred Stock, Shares Outstanding | shares	200,000
Preferred Stock, Value, Outstanding	$ 199
Preferred Stock, Dividend Rate, Percentage | Rate	6.25%
Preferred Stock, Redemption Date	Jul. 15, 2021
Series C Preferred Stock
Class of Stock [Line Items]
Preferred Stock, Shares Outstanding | shares	100,000
Preferred Stock, Value, Outstanding	$ 100
Preferred Stock, Dividend Rate, Percentage | Rate	5.875%
Preferred Stock, Redemption Date	Jan. 15, 2022
Series E Preferred Stock [Member]
Class of Stock [Line Items]
Preferred Stock, Shares Outstanding | shares	5,000
Preferred Stock, Value, Outstanding	$ 495
Preferred Stock, Dividend Rate, Percentage | Rate	5.70%
Preferred Stock, Redemption Date	Apr. 15, 2023
Preferred stock, liquidation preference per share (in dollars per share) | $ / shares			$ 100,000

EARNINGS PER SHARE (Details)

EARNINGS PER SHARE (Details) - USD ($) $ / shares in Units, $ in Millions	3 Months Ended								12 Months Ended
	Dec. 31, 2019	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2018	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017	Feb. 22, 2018
Basic earnings per common share:
Net income	$ 317	$ 372	$ 364	$ 358	$ 334	$ 378	$ 355	$ 326	$ 1,411	$ 1,393	$ 1,186
Preferred stock dividends	(19)	(18)	(18)	(19)	(19)	(18)	(21)	(12)	(74)	(70)	(76)
Net income available to common shareholders	$ 298	$ 354	$ 346	$ 339	$ 315	$ 360	$ 334	$ 314	$ 1,337	$ 1,323	$ 1,110
Average common shares issued and outstanding									1,038,840,000	1,081,542,000	1,084,686,000
Basic earnings per common share (in USD per share)	$ 0.29	$ 0.34	$ 0.33	$ 0.32	$ 0.30	$ 0.33	$ 0.30	$ 0.29	$ 1.29	$ 1.22	$ 1.02
Diluted earnings per common share:
Net income available to common shareholders	$ 298	$ 354	$ 346	$ 339	$ 315	$ 360	$ 334	$ 314	$ 1,337	$ 1,323	$ 1,110
Effect of assumed preferred stock conversion									0	0	31
Net income applicable to diluted earnings per share									$ 1,337	$ 1,323	$ 1,141
Dilutive potential common shares
Stock options and restricted stock units and awards									12,994,000	16,529,000	17,883,000
Shares held in deferred compensation plans									4,245,000	3,511,000	3,160,000
Dilutive impact of Preferred Stock									0	4,403,000	30,330,000
Other									0	0	127,000
Dilutive potential common shares: (in shares)									17,239,000	24,443,000	51,500,000
Total diluted average common shares issued and outstanding (in shares)									1,056,079,000	1,105,985,000	1,136,186,000
Diluted earnings per common share (in USD per share)	$ 0.28	$ 0.34	$ 0.33	$ 0.32	$ 0.29	$ 0.33	$ 0.30	$ 0.28	$ 1.27	$ 1.20	$ 1
Stock Option
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Options outstanding to purchase common stock shares having antidilutive effect (in shares)									5,253,000	2,307,000	1,009,000
Series A Preferred Stock [Member]
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Preferred stock, dividend percentage									0.085
Common Stock
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Number of shares issued for each share of convertible preferred stock												30,300,000

NONINTEREST INCOME - Summary of

NONINTEREST INCOME - Summary of Noninterest Income (Details) - USD ($) $ in Millions	3 Months Ended								12 Months Ended
	Dec. 31, 2019	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2018	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Revenue from Contract with Customer [Abstract]
Noninterest income from contracts with customers									$ 939	$ 881
Noninterest income within the scope of other GAAP topics									515	440
Total noninterest income	$ 372	$ 389	$ 374	$ 319	$ 329	$ 342	$ 336	$ 314	$ 1,454	$ 1,321	$ 1,307

NONINTEREST INCOME - Disaggrega

NONINTEREST INCOME - Disaggregation by Segment (Details) - USD ($) $ in Millions	3 Months Ended								12 Months Ended
	Dec. 31, 2019	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2018	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers									$ 939	$ 881
Noninterest income within the scope of other GAAP topics									515	440
Noninterest income	$ 372	$ 389	$ 374	$ 319	$ 329	$ 342	$ 336	$ 314	1,454	1,321	$ 1,307
Service charges on deposit accounts
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers									372	363
Cards and payment processing income
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers									233	209
Trust and investment management services
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers									178	171
Insurance income
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers									88	82
Other income
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers									68	56
Operating Segments | Consumer & Business Banking
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers									615	588
Noninterest income within the scope of other GAAP topics									210	156
Noninterest income									825	744	740
Operating Segments | Consumer & Business Banking | Service charges on deposit accounts
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers									297	290
Operating Segments | Consumer & Business Banking | Cards and payment processing income
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers									218	198
Operating Segments | Consumer & Business Banking | Trust and investment management services
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers									34	28
Operating Segments | Consumer & Business Banking | Insurance income
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers									34	34
Operating Segments | Consumer & Business Banking | Other income
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers									32	38
Operating Segments | Commercial Banking
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers									113	90
Noninterest income within the scope of other GAAP topics									246	231
Noninterest income									359	321	286
Operating Segments | Commercial Banking | Service charges on deposit accounts
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers									64	64
Operating Segments | Commercial Banking | Cards and payment processing income
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers									15	11
Operating Segments | Commercial Banking | Trust and investment management services
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers									4	4
Operating Segments | Commercial Banking | Insurance income
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers									6	5
Operating Segments | Commercial Banking | Other income
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers									24	6
Operating Segments | Vehicle Finance
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers									11	8
Noninterest income within the scope of other GAAP topics									1	3
Noninterest income									12	11
Operating Segments | Vehicle Finance | Service charges on deposit accounts
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers									7	5
Operating Segments | Vehicle Finance | Cards and payment processing income
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers									0	0
Operating Segments | Vehicle Finance | Trust and investment management services
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers									0	0
Operating Segments | Vehicle Finance | Insurance income
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers									0	0
Operating Segments | Vehicle Finance | Other income
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers									4	3
Operating Segments | RBHPCG
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers									196	192
Noninterest income within the scope of other GAAP topics									2	1
Noninterest income									198	193	189
Operating Segments | RBHPCG | Service charges on deposit accounts
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers									4	4
Operating Segments | RBHPCG | Cards and payment processing income
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers									0	0
Operating Segments | RBHPCG | Trust and investment management services
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers									139	139
Operating Segments | RBHPCG | Insurance income
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers									47	41
Operating Segments | RBHPCG | Other income
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers									6	8
Treasury / Other
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers									4	3
Noninterest income within the scope of other GAAP topics									56	49
Noninterest income									60	52	$ 78
Treasury / Other | Service charges on deposit accounts
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers									0	0
Treasury / Other | Cards and payment processing income
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers									0	0
Treasury / Other | Trust and investment management services
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers									1	0
Treasury / Other | Insurance income
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers									1	2
Treasury / Other | Other income
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers									$ 2	$ 1

SHARE-BASED COMPENSATION - Narr

SHARE-BASED COMPENSATION - Narrative (Details) - USD ($) $ / shares in Units, shares in Millions, $ in Millions	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Shares authorized	33
Shares available for grant	17
Tax benefit realized from exercise of options	$ 3	$ 10	$ 5
Granted (in USD per share)	$ 13.91	$ 14.98	$ 11.13
Total fair value of awards vested	$ 69	$ 62	$ 53
Stock Option
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercises in Period, Intrinsic Value	$ 16	52	16
Award vesting period	4 years
Cash received for exercises of stock options	$ 2	$ 5	$ 11
Total unrecognized compensation cost related to nonvested awards	$ 97
Cost not yet recognized period for recognition	2 years 4 months 24 days
Stock Option | Prior to May 2004
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Awards expiration period	10 years
Stock Option | After May 2004
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Awards expiration period	7 years
Restricted Stock Awards
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Granted (in USD per share)	$ 0
Performance Share Units
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award vesting period	3 years
Granted (in USD per share)	$ 13.77

SHARE-BASED COMPENSATION - Sche

SHARE-BASED COMPENSATION - Schedule of Assumptions (Details) - $ / shares	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Assumptions
Risk-free interest rate	2.41%	2.88%	2.04%
Expected dividend yield	4.36%	3.71%	3.31%
Expected volatility of Huntington’s common stock	22.50%	24.00%	29.50%
Expected option term (years)	6 years 6 months	6 years 6 months	6 years 6 months
Weighted-average grant date fair value per share	$ 1.91	$ 2.58	$ 2.81

SHARE-BASED COMPENSATION - Shar

SHARE-BASED COMPENSATION - Share-Based Compensation Expense (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Share-based Payment Arrangement [Abstract]
Share-based compensation expense	$ 83	$ 78	$ 92
Tax benefit	$ 15	$ 14	$ 32

SHARE-BASED COMPENSATION - Sc_2

SHARE-BASED COMPENSATION - Schedule of Stock Option Activity (Details) $ / shares in Units, shares in Thousands, $ in Millions	12 Months Ended
	Dec. 31, 2019USD ($)$ / sharesshares
Options (in shares):
Outstanding at beginning of period (in shares)	10,617
Granted (in shares)	3,211
Exercised (in shares)	(2,440)
Forfeited'expired (in shares)	(79)
Outstanding at end of period (in shares)	11,309
Expected to vest at end of period (in shares)	5,955
Exercisable at end of period (in shares)	5,195
Weighted- Average Exercise Price (USD per share):
Outstanding at beginning of period (USD per share) | $ / shares	$ 10.64
Granted (USD per share) | $ / shares	13.77
Exercised (USD per share) | $ / shares	7.28
Forfeited or expired (USD per share) | $ / shares	14.08
Outstanding at end of period (USD per share) | $ / shares	12.23
Vested and expected to vest (USD per share) | $ / shares	13.77
Exercisable (USD per share) | $ / shares	$ 10.42
Weighted-Average Remaining Contractual Life (Years)/Aggregate Intrinsic Value
Outstanding, weighted-average remaining contractual life (years)	6 years 8 months 12 days
Expected to vest, weighted-average remaining contractual period (years)	8 years 7 months 6 days
Exercisable, weighted-average remaining contractual term (years)	4 years 6 months
Outstanding aggregate intrinsic value | $	$ 32
Expected to vest, aggregate intrinsic value | $	8
Exercisable, aggregate intrinsic value | $	$ 24
Expected to be forfeited (in shares)	159

SHARE-BASED COMPENSATION - Rest

SHARE-BASED COMPENSATION - Restricted Stock, RSUs, Performance Shares (Details) - $ / shares shares in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Weighted-Average Grant Date Fair Value Per Share (USD per share):
Granted (in USD per share)	$ 13.91	$ 14.98	$ 11.13
Restricted Stock Awards
Shares:
Nonvested at beginning of period (in shares)	201
Granted (in shares)	0
Vested (in shares)	(199)
Forfeited (in shares)	(2)
Nonvested at end of period (in shares)	0	201
Weighted-Average Grant Date Fair Value Per Share (USD per share):
Nonvested at beginning of period (in USD per share)	$ 9.68
Granted (in USD per share)	0
Vested (in USD per share)	9.68
Forfeited (in USD per share)	9.68
Nonvested at end of period (in USD per share)	$ 0	$ 9.68
Restricted Stock Units
Shares:
Nonvested at beginning of period (in shares)	15,480
Granted (in shares)	5,581
Vested (in shares)	(5,267)
Forfeited (in shares)	(505)
Nonvested at end of period (in shares)	15,289	15,480
Weighted-Average Grant Date Fair Value Per Share (USD per share):
Nonvested at beginning of period (in USD per share)	$ 12.51
Granted (in USD per share)	13.93
Vested (in USD per share)	11.17
Forfeited (in USD per share)	13.47
Nonvested at end of period (in USD per share)	$ 13.42	$ 12.51
Performance Share Units
Shares:
Nonvested at beginning of period (in shares)	2,958
Granted (in shares)	680
Vested (in shares)	(854)
Forfeited (in shares)	(15)
Nonvested at end of period (in shares)	2,769	2,958
Weighted-Average Grant Date Fair Value Per Share (USD per share):
Nonvested at beginning of period (in USD per share)	$ 11.75
Granted (in USD per share)	13.77
Vested (in USD per share)	10.07
Forfeited (in USD per share)	14.30
Nonvested at end of period (in USD per share)	$ 13.49	$ 11.75

BENEFIT PLANS - Narrative (Deta

BENEFIT PLANS - Narrative (Details) - USD ($) $ in Millions	3 Months Ended	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Defined Benefit Plan Disclosure [Line Items]
Employer Contributions		$ 0
Defined Contribution Plan, Cost		51	$ 46	$ 35
Defined Benefit Plan, Plan Assets, Amount	$ 931	931	828
Pension Benefits
Defined Benefit Plan Disclosure [Line Items]
Accumulated benefit obligations in excess of plan assets, aggregate projected benefit obligation	$ 8	8
Defined benefit plan expenses		3	2	2
Estimated net periodic pension cost in next fiscal year		4
Average duration of plan assets investment in bonds, years	15 years 10 months 24 days
Estimated life of benefit obligations	13 years
Defined Benefit Plan, Plan Assets, Amount	$ 931	$ 931	$ 828	$ 903
Pension Benefits | Equity Securities [Member]
Defined Benefit Plan Disclosure [Line Items]
Actual plan asset allocations	17.00%	17.00%
Pension Benefits | Bonds
Defined Benefit Plan Disclosure [Line Items]
Actual plan asset allocations	82.00%	82.00%
Pension Benefits | Cash and cash equivalents
Defined Benefit Plan Disclosure [Line Items]
Actual plan asset allocations	1.00%	1.00%
Minimum | Pension Benefits | Equity Securities [Member]
Defined Benefit Plan Disclosure [Line Items]
Defined Benefit Plan, Plan Assets, Target Allocation, Percentage	20.00%	20.00%
Minimum | Pension Benefits | Bonds
Defined Benefit Plan Disclosure [Line Items]
Defined Benefit Plan, Plan Assets, Target Allocation, Percentage	50.00%	50.00%
Maximum | Pension Benefits | Equity Securities [Member]
Defined Benefit Plan Disclosure [Line Items]
Defined Benefit Plan, Plan Assets, Target Allocation, Percentage	50.00%	50.00%
Maximum | Pension Benefits | Bonds
Defined Benefit Plan Disclosure [Line Items]
Defined Benefit Plan, Plan Assets, Target Allocation, Percentage	80.00%	80.00%

BENEFIT PLANS - Weighted Averag

BENEFIT PLANS - Weighted Average Assumptions (Details) - Pension Benefits	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Weighted-average assumptions used to determine benefit obligations
Discount rate	3.40%	4.41%
Weighted-average assumptions used to determine net periodic benefit cost
Discount Rate	4.41%	3.73%
Long-term Return on Assets	5.25%	5.75%

BENEFIT PLANS - Projected Benef

BENEFIT PLANS - Projected Benefit Obligation (Details) - Pension Benefits - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Change in Benefit Obligation [Roll Forward]
Projected benefit obligation at beginning of measurement year	$ 821	$ 900
Service cost	2	3	$ 3
Interest cost	32	29	30
Benefits Paid	29	26
Settlements	(14)	(18)
Actuarial assumptions and gains and losses	111	(67)
Total changes	102	(79)
Projected benefit obligation at end of measurement year	$ 923	$ 821	$ 900

BENEFIT PLANS - Fair Value of P

BENEFIT PLANS - Fair Value of Plan Assets (Details 1) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Change in Fair Value of Plan Assets [Abstract]
Fair value of plan assets at beginning of measurement year	$ 828
Fair value of plan assets at end of measurement year	931	$ 828
Pension Benefits
Change in Fair Value of Plan Assets [Abstract]
Fair value of plan assets at beginning of measurement year	828	903
Actual return on plan assets	145	(30)
Settlements	(13)	(19)
Defined Benefit Plan, Plan Assets, Benefits Paid	29	26
Total changes	103	(75)
Fair value of plan assets at end of measurement year	$ 931	$ 828

BENEFIT PLANS - Net Periodic Be

BENEFIT PLANS - Net Periodic Benefit Costs (Details) - Pension Benefits - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Components of net periodic benefit expense [Abstract]
Service cost	$ 2	$ 3	$ 3
Interest cost	32	29	30
Expected return on plan assets	(44)	(49)	(55)
Amortization of loss	6	9	7
Settlements	5	7	11
Benefit costs	$ 1	$ (1)	$ (4)

BENEFIT PLANS - Fair Value of_2

BENEFIT PLANS - Fair Value of Plan Assets (Details) - USD ($) $ in Millions	Dec. 31, 2019	Dec. 31, 2018
Summary of plan assets investments
Fair value of plan assets	$ 931	$ 828
Fair value of plan assets, Percentage	100.00%	100.00%
Municipal Bonds [Member]
Summary of plan assets investments
Fair value of plan assets	$ 5	$ 0
Fair value of plan assets, Percentage	1.00%	0.00%
Mutual funds-money market
Summary of plan assets investments
Fair value of plan assets	$ 7	$ 4
Fair value of plan assets, Percentage	1.00%	0.00%
U.S. Treasury securities
Summary of plan assets investments
Fair value of plan assets	$ 0	$ 4
Fair value of plan assets, Percentage	0.00%	1.00%
Corporate obligations
Summary of plan assets investments
Fair value of plan assets	$ 460	$ 272
Fair value of plan assets, Percentage	49.00%	33.00%
U.S. Government obligations
Summary of plan assets investments
Fair value of plan assets	$ 199	$ 298
Fair value of plan assets, Percentage	21.00%	36.00%
U.S. Government agencies
Summary of plan assets investments
Fair value of plan assets	$ 0	$ 22
Fair value of plan assets, Percentage	0.00%	3.00%
Defined Benefit Plan, Common Collective Trust [Member]
Summary of plan assets investments
Fair value of plan assets	$ 105
Fair value of plan assets, Percentage	11.00%
Mutual funds-equities
Summary of plan assets investments
Fair value of plan assets	$ 78	$ 64
Fair value of plan assets, Percentage	8.00%	8.00%
Common stock
Summary of plan assets investments
Fair value of plan assets	$ 53	$ 98
Fair value of plan assets, Percentage	6.00%	12.00%
Preferred stock
Summary of plan assets investments
Fair value of plan assets	$ 5	$ 5
Fair value of plan assets, Percentage	1.00%	1.00%
Exchange traded funds
Summary of plan assets investments
Fair value of plan assets	$ 0	$ 45
Fair value of plan assets, Percentage	0.00%	5.00%
Limited Partnerships
Summary of plan assets investments
Fair value of plan assets	$ 19	$ 16
Fair value of plan assets, Percentage	2.00%	1.00%

BENEFIT PLANS - Expected Future

BENEFIT PLANS - Expected Future Benefit Payments (Details) - Pension Benefits $ in Millions	Dec. 31, 2019USD ($)
Estimated Future Benefit Payments [Abstract]
2019	$ 54
2020	52
2021	50
2022	49
2023	49
2024 through 2028	$ 240

BENEFIT PLANS - Amounts Recogni

BENEFIT PLANS - Amounts Recognized in the Balance Sheet (Details) - USD ($) $ in Millions	Dec. 31, 2019	Dec. 31, 2018
Retirement Benefits [Abstract]
Noncurrent liabilities	$ 67	$ 63

BENEFIT PLANS - Amounts Recog_2

BENEFIT PLANS - Amounts Recognized in AOCI (Details) - USD ($) $ in Millions	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Retirement Benefits [Abstract]
Net actuarial loss	$ (261)	$ (257)	$ (264)
Prior service cost	10	11	14
Defined benefit pension plans	$ (251)	$ (246)	$ (250)

BENEFIT PLANS - Amounts Recog_3

BENEFIT PLANS - Amounts Recognized in OCI (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Net actuarial (loss) gain:
Amounts arising during the year	$ (17)	$ (5)	$ (16)
Amortization included in net periodic benefit costs	12	13	18
Prior service cost:
Amounts arising during the year	0
Amortization included in net periodic benefit costs	(2)	(4)	(2)
Net actuarial (loss) gain:
Amounts arising during the year	5	2	6
Amortization included in net periodic benefit costs	(3)	(3)	(7)
Prior service cost:
Amounts arising during the year	0
Amortization included in net periodic benefit costs	0	1	1
Net actuarial (loss) gain:
Amounts arising during the year	(12)	(3)	(10)
Amortization included in net periodic benefit costs	9	10	11
Prior service cost:
Amounts arising during the year	0
Amortization included in net periodic benefit costs	(2)	(3)	(1)
Total recognized in OCI	$ (251)	$ (246)	$ (250)

BENEFIT PLANS - Defined Contrib

BENEFIT PLANS - Defined Contribution Plans (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Retirement Benefits [Abstract]
Defined contribution plan	$ 51	$ 46	$ 35
Shares in Huntington common stock (in shares)	10,334	11,635
Market value of Huntington common stock	$ 156	$ 139
Dividends received on shares of Huntington stock	$ 6	$ 6

INCOME TAXES - Narrative (Detai

INCOME TAXES - Narrative (Details) - USD ($) $ in Millions	Dec. 31, 2019	Dec. 31, 2018
Operating Loss Carryforwards [Line Items]
Net deferred tax asset, operating loss carryforwards	$ 99
Net deferred tax asset, operating loss carryforwards, domestic	44
Net deferred tax asset, operating loss carryforwards, state and local	40
Net deferred tax asset, alternative minimum tax carryforward	1
Federal capital loss carryforward valuation allowance	6	$ 6
Bad debt reserves with no federal income tax liability	12
Unrecognized deferred tax liability from cumulative bad debt reduction	3
Operating Loss Carryforward State
Operating Loss Carryforwards [Line Items]
Federal capital loss carryforward valuation allowance	$ 6

INCOME TAXES - Provision (Benef

INCOME TAXES - Provision (Benefit) for Income Taxes (Details) - USD ($) $ in Millions	3 Months Ended								12 Months Ended
	Dec. 31, 2019	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2018	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Current tax provision (benefit)
Federal									$ 209	$ 152	$ 41
State									16	20	(1)
Total current tax provision									225	172	40
Deferred tax provision (benefit)
Federal									24	71	151
State									(1)	(8)	17
Total deferred tax provision									23	63	168
Provision for income taxes	$ 55	$ 67	$ 63	$ 63	$ 57	$ 62	$ 57	$ 59	$ 248	$ 235	$ 208

INCOME TAXES - Effective Income

INCOME TAXES - Effective Income Tax Rate Reconciliation (Details) - USD ($) $ in Millions	3 Months Ended								12 Months Ended
	Dec. 31, 2019	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2018	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Income Tax Disclosure [Abstract]
Provision for income taxes computed at the statutory rate									$ 348	$ 342	$ 488
Increases (decreases):
Tax-exempt income									(21)	(23)	(31)
Tax-exempt bank owned life insurance income									(14)	(14)	(23)
General business credits									(88)	(80)	(71)
Impact from TCJA									(62)	(60)	(67)
Effective Income Tax Rate Reconciliation, Impact om TCJA, Amount									0	(3)	(123)
Affordable housing investment amortization, net of tax benefits									70	64	46
State deferred tax asset valuation allowance adjustment, net									11	10	11
Effective Income Tax Rate Reconciliation, Nondeductible Expense, Share-based Payment Arrangement, Amount									(5)	(14)	(13)
Other									9	13	(9)
Provision for income taxes	$ 55	$ 67	$ 63	$ 63	$ 57	$ 62	$ 57	$ 59	$ 248	$ 235	$ 208

INCOME TAXES - Deferred Tax Ass

INCOME TAXES - Deferred Tax Assets and Liabilities (Details) - USD ($) $ in Millions	Dec. 31, 2019	Dec. 31, 2018
Income Tax Disclosure [Abstract]
Deferred Tax Assets, Capital Loss Carryforwards	$ 15
Deferred Tax Assets, Gross [Abstract]
Allowances for credit losses	184	$ 184
Tax credit carryforward	77	173
Deferred tax assets, operating lease liabilities	47	0
Deferred Tax Assets Purchase Accounting Adjustments	33	0
Fair value adjustments	99	95
Net operating and other loss carryforward	3	16
Market discount	3	5
Pension and other employee benefits	2	6
Partnership investments	12	14
Other assets	3	6
Total deferred tax assets	463	499
Deferred tax liabilities:
Lease financing	359	262
Deferred dividend income	119	148
Purchase accounting adjustments	36	45
Operating assets	74	69
Deferred Tax Liability, Lease Right of Use Asset	41	0
Mortgage servicing rights	11	6
Securities adjustments	0	25
Other liabilities	0	2
Total deferred tax liabilities	640	557
Net deferred tax (liability) asset before valuation allowance	(177)	(58)
Valuation allowance	(6)	(6)
Total deferred tax liabilities	$ (183)	$ (64)

FAIR VALUES OF ASSETS AND LIA_3

FAIR VALUES OF ASSETS AND LIABILITIES - Narrative (Details) - Level 1	3 Months Ended
	Dec. 31, 2019
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Percentage of available-for-sale and trading securities in Level 1 (less than)	1.00%
Percentage of available-for-sale and trading securities in Level 2	78.00%
Percentage of available-for-sale and trading securities in Level 3	22.00%

FAIR VALUES OF ASSETS AND LIA_4

FAIR VALUES OF ASSETS AND LIABILITIES - Recurring basis (Details) - USD ($) $ in Millions	Dec. 31, 2019	Dec. 31, 2018
Assets measured at fair value on a recurring basis
Loans held for sale	$ 781	$ 613
Consumer loans	81	79
Derivative assets gross	856	500
Derivative assets netting	(404)	(291)
Derivative assets	452	209
Liabilities measured at fair value on a recurring basis
Gross amounts of recognized liabilities	521	404
Derivative liabilities netting	(417)	(217)
Derivative liabilities	104	187
Recurring
Assets measured at fair value on a recurring basis
Loans held for sale	781	613
Trading account securities	99	105
Available-for-sale securities	14,149	13,780
Other Securities, Fair Value	54	22
MSRs	7	10
Derivative assets netting	(404)	(291)
Derivative assets	452	209
Liabilities measured at fair value on a recurring basis
Derivative liabilities netting	(417)	(217)
Derivative liabilities	104	187
Recurring | U.S. Treasury securities
Assets measured at fair value on a recurring basis
Available-for-sale securities	10	5
Recurring | Residential CMOs
Assets measured at fair value on a recurring basis
Available-for-sale securities	5,085	6,999
Recurring | Residential MBS
Assets measured at fair value on a recurring basis
Available-for-sale securities	4,222	1,255
Recurring | Commercial MBS
Assets measured at fair value on a recurring basis
Available-for-sale securities	976	1,583
Recurring | Other agencies
Assets measured at fair value on a recurring basis
Trading account securities	4
Available-for-sale securities	165	126
Recurring | Municipal securities
Assets measured at fair value on a recurring basis
Trading account securities	63	28
Available-for-sale securities	3,055	3,440
Recurring | Private-label CMO
Assets measured at fair value on a recurring basis
Available-for-sale securities	2
Recurring | Asset-backed securities
Assets measured at fair value on a recurring basis
Available-for-sale securities	579	315
Recurring | Corporate debt
Assets measured at fair value on a recurring basis
Available-for-sale securities	51	53
Recurring | Other securities/Sovereign debt
Assets measured at fair value on a recurring basis
Trading account securities	32	77
Available-for-sale securities	4	4
Recurring | Level 1
Assets measured at fair value on a recurring basis
Loans held for sale	0	0
Trading account securities	30	78
Available-for-sale securities	10	5
Other Securities, Fair Value	54	22
Consumer loans	0	0
MSRs	0	0
Derivative assets gross	0	21
Liabilities measured at fair value on a recurring basis
Gross amounts of recognized liabilities	0	11
Recurring | Level 1 | U.S. Treasury securities
Assets measured at fair value on a recurring basis
Available-for-sale securities	10	5
Recurring | Level 1 | Residential CMOs
Assets measured at fair value on a recurring basis
Available-for-sale securities	0	0
Recurring | Level 1 | Residential MBS
Assets measured at fair value on a recurring basis
Available-for-sale securities	0
Recurring | Level 1 | Commercial MBS
Assets measured at fair value on a recurring basis
Available-for-sale securities	0
Recurring | Level 1 | Other agencies
Assets measured at fair value on a recurring basis
Available-for-sale securities	0	0
Recurring | Level 1 | Municipal securities
Assets measured at fair value on a recurring basis
Trading account securities	0	1
Available-for-sale securities	0	0
Recurring | Level 1 | Private-label CMO
Assets measured at fair value on a recurring basis
Available-for-sale securities	0
Recurring | Level 1 | Asset-backed securities
Assets measured at fair value on a recurring basis
Available-for-sale securities	0	0
Recurring | Level 1 | Corporate debt
Assets measured at fair value on a recurring basis
Available-for-sale securities	0	0
Recurring | Level 1 | Other securities/Sovereign debt
Assets measured at fair value on a recurring basis
Trading account securities	30	77
Available-for-sale securities	0	0
Recurring | Level 2
Assets measured at fair value on a recurring basis
Loans held for sale	781	613
Trading account securities	69	27
Available-for-sale securities	11,090	10,610
Consumer loans	55	49
MSRs	0	0
Derivative assets gross	848	474
Liabilities measured at fair value on a recurring basis
Gross amounts of recognized liabilities	519	390
Recurring | Level 2 | U.S. Treasury securities
Assets measured at fair value on a recurring basis
Available-for-sale securities	0	0
Recurring | Level 2 | Residential CMOs
Assets measured at fair value on a recurring basis
Available-for-sale securities	5,085	6,999
Recurring | Level 2 | Residential MBS
Assets measured at fair value on a recurring basis
Available-for-sale securities	4,222	1,255
Recurring | Level 2 | Commercial MBS
Assets measured at fair value on a recurring basis
Available-for-sale securities	976	1,583
Recurring | Level 2 | Other agencies
Assets measured at fair value on a recurring basis
Trading account securities	4
Available-for-sale securities	165	126
Recurring | Level 2 | Municipal securities
Assets measured at fair value on a recurring basis
Trading account securities	63	27
Available-for-sale securities	56	275
Recurring | Level 2 | Private-label CMO
Assets measured at fair value on a recurring basis
Available-for-sale securities	0
Recurring | Level 2 | Asset-backed securities
Assets measured at fair value on a recurring basis
Available-for-sale securities	531	315
Recurring | Level 2 | Corporate debt
Assets measured at fair value on a recurring basis
Available-for-sale securities	51	53
Recurring | Level 2 | Other securities/Sovereign debt
Assets measured at fair value on a recurring basis
Trading account securities	2	0
Available-for-sale securities	4	4
Recurring | Level 3
Assets measured at fair value on a recurring basis
Loans held for sale	0	0
Trading account securities		0
Available-for-sale securities	3,049	3,165
Consumer loans	26	30
MSRs	7	10
Derivative assets gross	8	5
Liabilities measured at fair value on a recurring basis
Gross amounts of recognized liabilities	2	3
Recurring | Level 3 | U.S. Treasury securities
Assets measured at fair value on a recurring basis
Available-for-sale securities	0	0
Recurring | Level 3 | Residential CMOs
Assets measured at fair value on a recurring basis
Available-for-sale securities	0	0
Recurring | Level 3 | Residential MBS
Assets measured at fair value on a recurring basis
Available-for-sale securities	0	0
Recurring | Level 3 | Commercial MBS
Assets measured at fair value on a recurring basis
Available-for-sale securities	0	0
Recurring | Level 3 | Other agencies
Assets measured at fair value on a recurring basis
Available-for-sale securities	0	0
Recurring | Level 3 | Municipal securities
Assets measured at fair value on a recurring basis
Trading account securities	0	0
Available-for-sale securities	2,999	3,165
Recurring | Level 3 | Private-label CMO
Assets measured at fair value on a recurring basis
Available-for-sale securities	2
Recurring | Level 3 | Asset-backed securities
Assets measured at fair value on a recurring basis
Available-for-sale securities	48	0
Recurring | Level 3 | Corporate debt
Assets measured at fair value on a recurring basis
Available-for-sale securities	0	0
Recurring | Level 3 | Other securities/Sovereign debt
Assets measured at fair value on a recurring basis
Trading account securities	0	0
Available-for-sale securities	$ 0	$ 0

FAIR VALUES OF ASSETS AND LIA_5

FAIR VALUES OF ASSETS AND LIABILITIES - Level 3 Roll Forward (Details) - USD ($) $ in Millions	3 Months Ended	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Total gains/losses for the period:
Included in OCI		$ 74	$ (52)
Derivative instruments
Opening balance		2	(1)	$ (2)
Transfers out of Level 3		(62)	(35)	(15)
Total gains/losses for the period:
Included in earnings		66	35	16
Included in OCI		0	0	0
Purchases/originations		0	0	0
Sales		0	0	0
Repayments		0	0	0
Settlements		0	3	0
Opening balance	$ 6	6	2	(1)
Change in unrealized gains or losses for the period included in earnings for assets held at end of the reporting date		3	0	0
MSRs
Level 3 Assets Roll Forward:
Opening balance		10	11	14
Transfers out of Level 3		0	0	0
Total gains/losses for the period:
Included in earnings		(3)	(1)	(3)
Included in OCI		0	0	0
Purchases/originations		0	0	0
Sales		0	0	0
Repayments		0	0	0
Settlements		0	0	0
Closing balance	7	7	10	11
Change in unrealized gains or losses for the period included in earnings for assets held at end of the reporting date		(3)	(1)	(3)
Municipal securities
Level 3 Assets Roll Forward:
Opening balance		3,165	3,167	2,798
Transfers out of Level 3		0	0	0
Total gains/losses for the period:
Included in earnings		(1)	(3)	(2)
Included in OCI		77	(52)	(8)
Purchases/originations		254	658	787
Sales		0	0	0
Repayments		0	0	0
Settlements		(496)	(605)	(408)
Closing balance	2,999	2,999	3,165	3,167
Change in unrealized gains or losses for the period included in earnings for assets held at end of the reporting date		0	0	0
Private-label CMO
Total gains/losses for the period:
Purchases/originations		2
Closing balance	2	2
Asset-backed securities
Level 3 Assets Roll Forward:
Opening balance		0	24	76
Transfers out of Level 3		0	0	0
Total gains/losses for the period:
Included in earnings		0	(2)	(5)
Included in OCI		0	11	14
Purchases/originations		55	0	0
Sales		0	(33)	(60)
Repayments		0	0	0
Settlements		(7)	0	(1)
Closing balance	48	48	0	24
Change in unrealized gains or losses for the period included in earnings for assets held at end of the reporting date		0	0	(4)
Automobile
Level 3 Assets Roll Forward:
Opening balance		30	38	48
Transfers out of Level 3		0	0	0
Total gains/losses for the period:
Included in earnings	1	1	0	1
Included in OCI		0	0	0
Purchases/originations		0	0	0
Sales		0	0	0
Repayments		(5)	(8)	(11)
Settlements		0	0	0
Closing balance	$ 26	26	30	38
Change in unrealized gains or losses for the period included in earnings for assets held at end of the reporting date		$ 0	$ 0	$ 0

FAIR VALUES OF ASSETS AND LIA_6

FAIR VALUES OF ASSETS AND LIABILITIES - Level 3 Classification of Gains/Losses (Details) - USD ($) $ in Millions	3 Months Ended	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Net derivatives gain (loss) included in earnings		$ 66	$ 35	$ 16
MSRs
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Assets gain (loss) included in earnings		(3)	(1)	(3)
Municipal securities
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Assets gain (loss) included in earnings		(1)	(3)	(2)
Asset-backed securities
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Assets gain (loss) included in earnings		0	(2)	(5)
Automobile
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Assets gain (loss) included in earnings	$ 1	1	0	1
Mortgage banking income
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Net derivatives gain (loss) included in earnings		66	35	16
Mortgage banking income | MSRs
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Assets gain (loss) included in earnings		(3)	(1)	(3)
Mortgage banking income | Municipal securities
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Assets gain (loss) included in earnings		0	0	0
Mortgage banking income | Asset-backed securities
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Assets gain (loss) included in earnings			0	0
Mortgage banking income | Automobile
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Assets gain (loss) included in earnings	0			0
Securities gains (losses)
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Net derivatives gain (loss) included in earnings			0	0
Securities gains (losses) | MSRs
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Assets gain (loss) included in earnings			0	0
Securities gains (losses) | Municipal securities
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Assets gain (loss) included in earnings			0	0
Securities gains (losses) | Asset-backed securities
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Assets gain (loss) included in earnings			(2)	(5)
Securities gains (losses) | Automobile
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Assets gain (loss) included in earnings				0
Interest and fee income
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Net derivatives gain (loss) included in earnings		0	0	0
Interest and fee income | MSRs
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Assets gain (loss) included in earnings		0	0	0
Interest and fee income | Municipal securities
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Assets gain (loss) included in earnings		$ (1)	(3)	(2)
Interest and fee income | Asset-backed securities
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Assets gain (loss) included in earnings			$ 0	0
Interest and fee income | Automobile
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Assets gain (loss) included in earnings	$ 1			0
Noninterest income
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Net derivatives gain (loss) included in earnings				0
Noninterest income | MSRs
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Assets gain (loss) included in earnings				0
Noninterest income | Municipal securities
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Assets gain (loss) included in earnings				0
Noninterest income | Asset-backed securities
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Assets gain (loss) included in earnings				0
Noninterest income | Automobile
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Assets gain (loss) included in earnings				$ 1

FAIR VALUES OF ASSETS AND LIA_7

FAIR VALUES OF ASSETS AND LIABILITIES - Fair Value Option (Details) - USD ($) $ in Millions	Dec. 31, 2019	Dec. 31, 2018
Fair Value, Option, Quantitative Disclosures [Line Items]
Automobile loans, fair value	$ 81	$ 79
Loans held for sale	781	613
Fair Value, Recurring [Member]
Fair Value, Option, Quantitative Disclosures [Line Items]
Loans held for sale	781	613
Fair Value, Recurring [Member] | Mortgages Held For Sale [Member]
Fair Value, Option, Quantitative Disclosures [Line Items]
Loans held for sale, aggregate unpaid principle	755	594
Aggregate difference	(26)	(19)
Fair Value, Recurring [Member] | Mortgages Held To Maturity [Member]
Fair Value, Option, Quantitative Disclosures [Line Items]
Loans held for investment, aggregate unpaid principle	87	87
Automobile loans, fair value	81	79
Aggregate difference	(6)	(8)
Fair Value, Recurring [Member] | 90 or more days | Mortgages Held For Sale [Member]
Fair Value, Option, Quantitative Disclosures [Line Items]
Loans held for sale, aggregate unpaid principle	2	0
Aggregate difference	0	0
Loans held for sale	2	0
Fair Value, Recurring [Member] | 90 or more days | Mortgages Held To Maturity [Member]
Fair Value, Option, Quantitative Disclosures [Line Items]
Loans held for investment, aggregate unpaid principle	4	7
Automobile loans, fair value	3	6
Aggregate difference	$ (1)	$ (1)

FAIR VALUES OF ASSETS AND LIA_8

FAIR VALUES OF ASSETS AND LIABILITIES - Fair Value Option-Changes in Fair Value (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Fair Value, Recurring [Member]
Fair Value, Option, Quantitative Disclosures [Line Items]
Net gains (losses) from fair value changes	$ 7	$ 5	$ 8
Loans held for investment
Fair Value, Option, Quantitative Disclosures [Line Items]
Net gains (losses) from fair value changes	$ 1	$ 0	$ 0

FAIR VALUES OF ASSETS AND LIA_9

FAIR VALUES OF ASSETS AND LIABILITIES - Non-recurring/Fair Values of Financial Instruments (Details) - USD ($) $ in Millions	Dec. 31, 2019	Dec. 31, 2018
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans held for sale	$ 781	$ 613
Nonrecurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired loans		$ 33
Nonrecurring | Fair Value
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
MSRs	206
Impaired loans	26
Nonrecurring | Total Gains/(Losses)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
MSRs	(14)
Impaired loans	1
Nonrecurring | Level 1 | Fair Value
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
MSRs	0
Impaired loans	0
Nonrecurring | Level 2 | Fair Value
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
MSRs	0
Impaired loans	0
Nonrecurring | Level 3 | Fair Value
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
MSRs	206
Impaired loans	$ 26

FAIR VALUES OF ASSETS AND LI_10

FAIR VALUES OF ASSETS AND LIABILITIES - Significant Unobservable Level 3 Inputs (Details) $ in Millions	3 Months Ended
	Dec. 31, 2019USD ($)	Dec. 31, 2018USD ($)
Fair Value Inputs, Assets and Liabilities, Quantitative Information [Line Items]
Derivative assets gross	$ 856	$ 500
Gross amounts of recognized liabilities	521	404
Consumer loans	81	79
Loans held for sale	$ 781	613
Derivative Liabilities | Weighted Average | Consensus Pricing | Level 3
Fair Value Inputs, Assets and Liabilities, Quantitative Information [Line Items]
Fair Value Inputs, Timing of the resolution of the litigation	Jun. 30, 2020
Recurring
Fair Value Inputs, Assets and Liabilities, Quantitative Information [Line Items]
MSRs	$ 7	10
Available-for-sale securities	14,149	13,780
Loans held for sale	781	613
Recurring | Level 3
Fair Value Inputs, Assets and Liabilities, Quantitative Information [Line Items]
MSRs	7	10
Derivative assets gross	8	5
Gross amounts of recognized liabilities	2	3
Available-for-sale securities	3,049	3,165
Consumer loans	26	30
Loans held for sale	0	0
Nonrecurring
Fair Value Inputs, Assets and Liabilities, Quantitative Information [Line Items]
Impaired loans		33
Fair Value
Fair Value Inputs, Assets and Liabilities, Quantitative Information [Line Items]
Available-for-sale securities	14,149	13,780
Fair Value | Level 3
Fair Value Inputs, Assets and Liabilities, Quantitative Information [Line Items]
Available-for-sale securities	3,049	3,165
Fair Value | Nonrecurring
Fair Value Inputs, Assets and Liabilities, Quantitative Information [Line Items]
MSRs	206
Impaired loans	26
Fair Value | Nonrecurring | Level 3
Fair Value Inputs, Assets and Liabilities, Quantitative Information [Line Items]
MSRs	206
Impaired loans	26
Asset-backed securities | Recurring
Fair Value Inputs, Assets and Liabilities, Quantitative Information [Line Items]
Available-for-sale securities	579	315
Asset-backed securities | Recurring | Level 3
Fair Value Inputs, Assets and Liabilities, Quantitative Information [Line Items]
Available-for-sale securities	$ 48	$ 0
Derivative Liabilities | Measurement Input, Discount Rate [Member] | Recurring | Weighted Average | Valuation Technique, Discounted Cash Flow [Member] | Level 3
Fair Value Inputs, Assets and Liabilities, Quantitative Information [Line Items]
Derivative Liability, Measurement Input	0.02	0.04
Derivative Liabilities | Measurement Input, Estimated Conversion Factor [Member] | Recurring | Weighted Average | Valuation Technique, Discounted Cash Flow [Member] | Level 3
Fair Value Inputs, Assets and Liabilities, Quantitative Information [Line Items]
Derivative Liability, Measurement Input	1.62	1.63
Derivative Liabilities | Measurement Input, Estimated Growth Rate of Visa Class A Shares [Member] | Recurring | Weighted Average | Valuation Technique, Discounted Cash Flow [Member] | Level 3
Fair Value Inputs, Assets and Liabilities, Quantitative Information [Line Items]
Derivative Liability, Measurement Input	0.07	0.07
Residential MBS | Recurring
Fair Value Inputs, Assets and Liabilities, Quantitative Information [Line Items]
Available-for-sale securities	$ 4,222	$ 1,255
Residential MBS | Recurring | Level 3
Fair Value Inputs, Assets and Liabilities, Quantitative Information [Line Items]
Available-for-sale securities	$ 0	$ 0
Residential MBS | Measurement Input, Constant Prepayment Rate [Member] | Recurring | Maximum | Valuation Technique, Discounted Cash Flow [Member] | Level 3
Fair Value Inputs, Assets and Liabilities, Quantitative Information [Line Items]
Servicing Asset, Measurement Input	0.26	0.54
Residential MBS | Measurement Input, Constant Prepayment Rate [Member] | Recurring | Minimum | Valuation Technique, Discounted Cash Flow [Member] | Level 3
Fair Value Inputs, Assets and Liabilities, Quantitative Information [Line Items]
Servicing Asset, Measurement Input	0	0.06
Residential MBS | Measurement Input, Constant Prepayment Rate [Member] | Recurring | Weighted Average | Valuation Technique, Discounted Cash Flow [Member] | Level 3
Fair Value Inputs, Assets and Liabilities, Quantitative Information [Line Items]
Servicing Asset, Measurement Input	0.08	0.08
Residential MBS | Measurement Input, Constant Prepayment Rate [Member] | Nonrecurring | Maximum | Valuation Technique, Discounted Cash Flow [Member] | Level 3
Fair Value Inputs, Assets and Liabilities, Quantitative Information [Line Items]
Servicing Asset, Measurement Input	0.31
Residential MBS | Measurement Input, Constant Prepayment Rate [Member] | Nonrecurring | Minimum | Valuation Technique, Discounted Cash Flow [Member] | Level 3
Fair Value Inputs, Assets and Liabilities, Quantitative Information [Line Items]
Servicing Asset, Measurement Input	0.10
Residential MBS | Measurement Input, Constant Prepayment Rate [Member] | Nonrecurring | Weighted Average | Valuation Technique, Discounted Cash Flow [Member] | Level 3
Fair Value Inputs, Assets and Liabilities, Quantitative Information [Line Items]
Servicing Asset, Measurement Input	0.12
Residential MBS | Measurement Input, Option Adjusted Spread [Member] | Recurring | Maximum | Valuation Technique, Discounted Cash Flow [Member] | Level 3
Fair Value Inputs, Assets and Liabilities, Quantitative Information [Line Items]
Servicing Asset, Measurement Input	0.11	0.11
Residential MBS | Measurement Input, Option Adjusted Spread [Member] | Recurring | Minimum | Valuation Technique, Discounted Cash Flow [Member] | Level 3
Fair Value Inputs, Assets and Liabilities, Quantitative Information [Line Items]
Servicing Asset, Measurement Input	0.05	0.05
Residential MBS | Measurement Input, Option Adjusted Spread [Member] | Recurring | Weighted Average | Valuation Technique, Discounted Cash Flow [Member] | Level 3
Fair Value Inputs, Assets and Liabilities, Quantitative Information [Line Items]
Servicing Asset, Measurement Input	0.08	0.08
Residential MBS | Measurement Input, Option Adjusted Spread [Member] | Nonrecurring | Maximum | Valuation Technique, Discounted Cash Flow [Member] | Level 3
Fair Value Inputs, Assets and Liabilities, Quantitative Information [Line Items]
Servicing Asset, Measurement Input	0.11
Residential MBS | Measurement Input, Option Adjusted Spread [Member] | Nonrecurring | Minimum | Valuation Technique, Discounted Cash Flow [Member] | Level 3
Fair Value Inputs, Assets and Liabilities, Quantitative Information [Line Items]
Servicing Asset, Measurement Input	0.05
Residential MBS | Measurement Input, Option Adjusted Spread [Member] | Nonrecurring | Weighted Average | Valuation Technique, Discounted Cash Flow [Member] | Level 3
Fair Value Inputs, Assets and Liabilities, Quantitative Information [Line Items]
Servicing Asset, Measurement Input	0.09
Loans held for investment [Member] | Measurement Input, Constant Prepayment Rate [Member] | Recurring | Maximum | Valuation Technique, Discounted Cash Flow [Member] | Level 3
Fair Value Inputs, Assets and Liabilities, Quantitative Information [Line Items]
Loans held for investment, Measurement Input	0.12	0.09
Loans held for investment [Member] | Measurement Input, Constant Prepayment Rate [Member] | Recurring | Minimum | Valuation Technique, Discounted Cash Flow [Member] | Level 3
Fair Value Inputs, Assets and Liabilities, Quantitative Information [Line Items]
Loans held for investment, Measurement Input	0.09	0.09
Loans held for investment [Member] | Measurement Input, Constant Prepayment Rate [Member] | Recurring | Weighted Average | Valuation Technique, Discounted Cash Flow [Member] | Level 3
Fair Value Inputs, Assets and Liabilities, Quantitative Information [Line Items]
Loans held for investment, Measurement Input	0.09	0.09
Loans held for investment [Member] | Measurement Input, Discount Rate [Member] | Recurring | Maximum | Valuation Technique, Discounted Cash Flow [Member] | Level 3
Fair Value Inputs, Assets and Liabilities, Quantitative Information [Line Items]
Loans held for investment, Measurement Input	0.06	0.09
Loans held for investment [Member] | Measurement Input, Discount Rate [Member] | Recurring | Minimum | Valuation Technique, Discounted Cash Flow [Member] | Level 3
Fair Value Inputs, Assets and Liabilities, Quantitative Information [Line Items]
Loans held for investment, Measurement Input	0.05	0.07
Loans held for investment [Member] | Measurement Input, Discount Rate [Member] | Recurring | Weighted Average | Valuation Technique, Discounted Cash Flow [Member] | Level 3
Fair Value Inputs, Assets and Liabilities, Quantitative Information [Line Items]
Loans held for investment, Measurement Input	0.05	0.09
Derivative Assets | Measurement Input, Net Market Price [Member] | Recurring | Maximum | Valuation Technique, Consensus Pricing Model [Member] | Level 3
Fair Value Inputs, Assets and Liabilities, Quantitative Information [Line Items]
Derivative Asset, Measurement Input	0.11	0.23
Derivative Assets | Measurement Input, Net Market Price [Member] | Recurring | Minimum | Valuation Technique, Consensus Pricing Model [Member] | Level 3
Fair Value Inputs, Assets and Liabilities, Quantitative Information [Line Items]
Derivative Asset, Measurement Input	(0.02)	(0.05)
Loans held for investment, Measurement Input	0.02
Derivative Assets | Measurement Input, Net Market Price [Member] | Recurring | Weighted Average | Valuation Technique, Consensus Pricing Model [Member] | Level 3
Fair Value Inputs, Assets and Liabilities, Quantitative Information [Line Items]
Derivative Asset, Measurement Input		0.02
Derivative Assets | Measurement Input, Estimated Pull Thru [Member] | Recurring | Maximum | Valuation Technique, Consensus Pricing Model [Member] | Level 3
Fair Value Inputs, Assets and Liabilities, Quantitative Information [Line Items]
Derivative Asset, Measurement Input	1	1
Derivative Assets | Measurement Input, Estimated Pull Thru [Member] | Recurring | Minimum | Consensus Pricing | Level 3
Fair Value Inputs, Assets and Liabilities, Quantitative Information [Line Items]
Loans held for investment, Measurement Input	0.91
Derivative Assets | Measurement Input, Estimated Pull Thru [Member] | Recurring | Minimum | Valuation Technique, Consensus Pricing Model [Member] | Level 3
Fair Value Inputs, Assets and Liabilities, Quantitative Information [Line Items]
Derivative Asset, Measurement Input	0.02	0.01
Derivative Assets | Measurement Input, Estimated Pull Thru [Member] | Recurring | Weighted Average | Valuation Technique, Consensus Pricing Model [Member] | Level 3
Fair Value Inputs, Assets and Liabilities, Quantitative Information [Line Items]
Derivative Asset, Measurement Input		0.92
Loans held for sale [Member] | Nonrecurring | Valuation Technique, Discounted Cash Flow [Member] | Level 3
Fair Value Inputs, Assets and Liabilities, Quantitative Information [Line Items]
Loans held for sale		$ 121
Loans held for sale [Member] | Nonrecurring | Valuation Technique, Appraisal Value [Member] | Level 3
Fair Value Inputs, Assets and Liabilities, Quantitative Information [Line Items]
Loans held for sale		$ 24
Loans held for sale [Member] | Measurement Input, Discount Rate [Member] | Nonrecurring | Maximum | Valuation Technique, Discounted Cash Flow [Member] | Level 3
Fair Value Inputs, Assets and Liabilities, Quantitative Information [Line Items]
Loans Held-for-sale, Measurement Input		0.06
Loans held for sale [Member] | Measurement Input, Discount Rate [Member] | Nonrecurring | Minimum | Valuation Technique, Discounted Cash Flow [Member] | Level 3
Fair Value Inputs, Assets and Liabilities, Quantitative Information [Line Items]
Loans Held-for-sale, Measurement Input		0.05
Loans held for sale [Member] | Measurement Input, Discount Rate [Member] | Nonrecurring | Weighted Average | Valuation Technique, Discounted Cash Flow [Member] | Level 3
Fair Value Inputs, Assets and Liabilities, Quantitative Information [Line Items]
Loans Held-for-sale, Measurement Input		0.05
Corporate obligations | Recurring
Fair Value Inputs, Assets and Liabilities, Quantitative Information [Line Items]
Available-for-sale securities	$ 51	$ 53
Corporate obligations | Recurring | Level 3
Fair Value Inputs, Assets and Liabilities, Quantitative Information [Line Items]
Available-for-sale securities	$ 0	$ 0
Corporate obligations | Measurement Input, Loss Severity [Member] | Recurring | Maximum | Valuation Technique, Discounted Cash Flow [Member] | Level 3
Fair Value Inputs, Assets and Liabilities, Quantitative Information [Line Items]
Debt Securities, Available-for-sale, Measurement Input	0.80	0.90
Corporate obligations | Measurement Input, Loss Severity [Member] | Recurring | Minimum | Valuation Technique, Discounted Cash Flow [Member] | Level 3
Fair Value Inputs, Assets and Liabilities, Quantitative Information [Line Items]
Debt Securities, Available-for-sale, Measurement Input	0.05	0.05
Corporate obligations | Measurement Input, Loss Severity [Member] | Recurring | Weighted Average | Valuation Technique, Discounted Cash Flow [Member] | Level 3
Fair Value Inputs, Assets and Liabilities, Quantitative Information [Line Items]
Debt Securities, Available-for-sale, Measurement Input	0.24	0.25
Corporate obligations | Measurement Input, Discount Rate [Member] | Recurring | Maximum | Valuation Technique, Discounted Cash Flow [Member] | Level 3
Fair Value Inputs, Assets and Liabilities, Quantitative Information [Line Items]
Debt Securities, Available-for-sale, Measurement Input	0.03	0.04
Corporate obligations | Measurement Input, Discount Rate [Member] | Recurring | Minimum | Valuation Technique, Discounted Cash Flow [Member] | Level 3
Fair Value Inputs, Assets and Liabilities, Quantitative Information [Line Items]
Debt Securities, Available-for-sale, Measurement Input	0.02	0.04
Corporate obligations | Measurement Input, Discount Rate [Member] | Recurring | Weighted Average | Valuation Technique, Discounted Cash Flow [Member] | Level 3
Fair Value Inputs, Assets and Liabilities, Quantitative Information [Line Items]
Debt Securities, Available-for-sale, Measurement Input	0.02	0.04
Corporate obligations | Measurement Input, Default Rate [Member] | Recurring | Maximum | Valuation Technique, Discounted Cash Flow [Member] | Level 3
Fair Value Inputs, Assets and Liabilities, Quantitative Information [Line Items]
Debt Securities, Available-for-sale, Measurement Input	0.39	0.39
Corporate obligations | Measurement Input, Default Rate [Member] | Recurring | Minimum | Valuation Technique, Discounted Cash Flow [Member] | Level 3
Fair Value Inputs, Assets and Liabilities, Quantitative Information [Line Items]
Debt Securities, Available-for-sale, Measurement Input	0	0
Corporate obligations | Measurement Input, Default Rate [Member] | Recurring | Weighted Average | Valuation Technique, Discounted Cash Flow [Member] | Level 3
Fair Value Inputs, Assets and Liabilities, Quantitative Information [Line Items]
Debt Securities, Available-for-sale, Measurement Input	0.04	0.03

FAIR VALUES OF ASSETS AND LI_11

FAIR VALUES OF ASSETS AND LIABILITIES - Balance Sheet Location (Details) (Details) - USD ($) $ in Millions	Dec. 31, 2019	Dec. 31, 2018
Financial Assets:
Held-to-maturity securities	$ 9,070	$ 8,565
Loans held for sale (includes $781 and $613 respectively, measured at fair value)(1)	877	804
Loans and Leases Receivable, Net Amount	74,621	74,128
Derivatives	452	209
Financial Liabilities:
Deposits	82,347	84,774
Short-term borrowings	2,606	2,017
Long-term borrowings	9,849	8,625
Derivatives	104	187
Carrying Amount
Financial Assets:
Cash and short term assets	1,272	2,725
Trading account securities	99	105
Available-for-sale securities	14,149	13,780
Held-to-maturity securities	9,070	8,565
Other Securities	441	565
Loans held for sale (includes $781 and $613 respectively, measured at fair value)(1)	877	804
Loans and Leases Receivable, Net Amount	74,621	74,128
Derivatives	452	209
Financial Liabilities:
Deposits	82,347	84,774
Short-term borrowings	2,606	2,017
Long-term borrowings	9,849	8,625
Derivatives	104	187
Fair Value
Financial Assets:
Cash and short term assets	1,272	2,725
Trading account securities	99	105
Available-for-sale securities	14,149	13,780
Held-to-maturity securities	9,186	8,286
Other Securities	441	565
Other Securities, Only Measured At Fair Value	54	22
Loans held for sale (includes $781 and $613 respectively, measured at fair value)(1)	879	806
Loans and Leases Receivable, Net Amount	75,177	73,668
Derivatives	452	209
Financial Liabilities:
Deposits	82,344	84,731
Short-term borrowings	2,606	2,017
Long-term borrowings	10,075	8,718
Derivatives	104	187
Level 1 | Fair Value
Financial Assets:
Trading account securities	30	78
Available-for-sale securities	10	5
Held-to-maturity securities	0	0
Other Securities, Only Measured At Fair Value	54	22
Loans held for sale (includes $781 and $613 respectively, measured at fair value)(1)	0	0
Loans and Leases Receivable, Net Amount	0	0
Financial Liabilities:
Deposits	0	0
Short-term borrowings	0	1
Long-term borrowings	0	0
Level 2 | Fair Value
Financial Assets:
Trading account securities	69	27
Available-for-sale securities	11,090	10,610
Held-to-maturity securities	9,186	8,286
Other Securities, Only Measured At Fair Value	0	0
Loans held for sale (includes $781 and $613 respectively, measured at fair value)(1)	781	613
Loans and Leases Receivable, Net Amount	55	49
Financial Liabilities:
Deposits	76,790	76,922
Short-term borrowings	0	0
Long-term borrowings	9,439	8,158
Level 3 | Fair Value
Financial Assets:
Trading account securities	0	0
Available-for-sale securities	3,049	3,165
Held-to-maturity securities	0	0
Other Securities, Only Measured At Fair Value	0	0
Loans held for sale (includes $781 and $613 respectively, measured at fair value)(1)	98	193
Loans and Leases Receivable, Net Amount	75,122	73,619
Financial Liabilities:
Deposits	5,554	7,809
Short-term borrowings	2,606	2,016
Long-term borrowings	636	560
Fair Value, Recurring [Member]
Financial Assets:
Trading account securities	99	105
Available-for-sale securities	14,149	13,780
Derivatives	452	209
Financial Liabilities:
Derivatives	104	187
Fair Value, Recurring [Member] | Level 1
Financial Assets:
Trading account securities	30	78
Available-for-sale securities	10	5
Fair Value, Recurring [Member] | Level 2
Financial Assets:
Trading account securities	69	27
Available-for-sale securities	11,090	10,610
Fair Value, Recurring [Member] | Level 3
Financial Assets:
Trading account securities		0
Available-for-sale securities	3,049	3,165
Fair Value, Recurring [Member] | Other securities/Sovereign debt
Financial Assets:
Trading account securities	32	77
Available-for-sale securities	4	4
Fair Value, Recurring [Member] | Other securities/Sovereign debt | Level 1
Financial Assets:
Trading account securities	30	77
Available-for-sale securities	0	0
Fair Value, Recurring [Member] | Other securities/Sovereign debt | Level 2
Financial Assets:
Trading account securities	2	0
Available-for-sale securities	4	4
Fair Value, Recurring [Member] | Other securities/Sovereign debt | Level 3
Financial Assets:
Trading account securities	0	0
Available-for-sale securities	0	0
Amortized Cost [Member] | Carrying Amount
Financial Assets:
Cash and short term assets	1,272	2,725
Held-to-maturity securities	9,070	8,565
Other Securities	387	543
Loans and Leases Receivable, Net Amount	74,540	74,049
Financial Liabilities:
Deposits	82,347	84,774
Short-term borrowings	2,606	2,017
Long-term borrowings	9,849	8,625
Fair Value Fair Value Option [Member] | Carrying Amount
Financial Assets:
Trading account securities	99	105
Available-for-sale securities	14,149	13,780
Other Securities	54	22
Loans held for sale (includes $781 and $613 respectively, measured at fair value)(1)	781	613
Loans and Leases Receivable, Net Amount	81	79
Derivatives	452	209
Financial Liabilities:
Derivatives	104	187
LowerOfCostOrMarket [Member] | Carrying Amount
Financial Assets:
Loans held for sale (includes $781 and $613 respectively, measured at fair value)(1)	$ 96	$ 191

DERIVATIVE FINANCIAL INSTRUME_3

DERIVATIVE FINANCIAL INSTRUMENTS - Asset and Liability Management (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Derivative [Line Items]
Purchase of interest rate caps and derivative financial instruments, notional value	$ 25,927	$ 4,877
Gross amounts of recognized assets	856	500
Gross amounts of recognized liabilities	521	404
Fair Value Hedges
Derivative [Line Items]
Purchase of interest rate caps and derivative financial instruments, notional value	7,540	4,865
Cash Flow Hedges
Derivative [Line Items]
Purchase of interest rate caps and derivative financial instruments, notional value	18,387	12
Loans
Derivative [Line Items]
Purchase of interest rate caps and derivative financial instruments, notional value	18,375
Loans | Fair Value Hedges
Derivative [Line Items]
Purchase of interest rate caps and derivative financial instruments, notional value	0
Loans | Cash Flow Hedges
Derivative [Line Items]
Purchase of interest rate caps and derivative financial instruments, notional value	18,375
Securities Investment [Member]
Derivative [Line Items]
Purchase of interest rate caps and derivative financial instruments, notional value	12	12
Securities Investment [Member] | Fair Value Hedges
Derivative [Line Items]
Purchase of interest rate caps and derivative financial instruments, notional value	0	0
Securities Investment [Member] | Cash Flow Hedges
Derivative [Line Items]
Purchase of interest rate caps and derivative financial instruments, notional value	12	12
Other long-term debt
Derivative [Line Items]
Purchase of interest rate caps and derivative financial instruments, notional value	7,540	4,865
Other long-term debt | Fair Value Hedges
Derivative [Line Items]
Purchase of interest rate caps and derivative financial instruments, notional value	7,540	4,865
Other long-term debt | Cash Flow Hedges
Derivative [Line Items]
Purchase of interest rate caps and derivative financial instruments, notional value	0	0
Accrued income and other assets
Derivative [Line Items]
Interest Rate Fair Value Hedge Asset at Fair Value	256	44
Interest Rate Derivative Instruments Not Designated as Hedging Instruments, Asset at Fair Value	420	261
Foreign Currency Derivative Instruments Not Designated as Hedging Instruments, Asset at Fair Value	19	23
Price Risk Derivative Instruments Not Designated as Hedging Instruments Asset, at Fair Value	155	172
Derivative Instruments Not Designated as Hedging Instruments, Asset, at Fair Value	6	0
Gross amounts of recognized assets	856	500
Accrued expenses and other liabilities
Derivative [Line Items]
Interest Rate Fair Value Hedge Liability at Fair Value	36	42
Interest Rate Derivative Instruments Not Designated as Hedging Instruments, Liability at Fair Value	314	165
Foreign Currency Derivative Instruments Not Designated as Hedging Instruments, Liability at Fair Value	18	19
Price Risk Derivative Instruments Not Designated as Hedging Instruments Liability, at Fair Value	152	168
Derivative Instruments Not Designated as Hedging Instruments, Liability, at Fair Value	1	10
Gross amounts of recognized liabilities	521	404
Derivative used in Mortgage Banking Activities
Derivative [Line Items]
Purchase of interest rate caps and derivative financial instruments, notional value	778	0
Not Designated as Hedging Instrument [Member] | Fair Value Hedges
Derivative [Line Items]
Derivative Instruments Not Designated as Hedging Instruments, Gain (Loss), Net	$ 112	59
Customer Contracts [Member]
Derivative [Line Items]
Derivative Instruments Not Designated as Hedging Instruments, Purpose	Capital markets fees
Mortgage banking income | Not Designated as Hedging Instrument [Member] | Interest Rate Contract | Fair Value Hedges
Derivative [Line Items]
Derivative Instruments Not Designated as Hedging Instruments, Gain (Loss), Net	$ 37	(19)
Foreign Exchange Contract [Member]
Derivative [Line Items]
Derivative Instruments Not Designated as Hedging Instruments, Purpose	Capital markets fees
Capital markets fees [Domain] | Not Designated as Hedging Instrument [Member] | Interest Rate Contract | Fair Value Hedges
Derivative [Line Items]
Derivative Instruments Not Designated as Hedging Instruments, Gain (Loss), Net	$ 49	41
Capital markets fees [Domain] | Not Designated as Hedging Instrument [Member] | Foreign Exchange Contract [Member] | Fair Value Hedges
Derivative [Line Items]
Derivative Instruments Not Designated as Hedging Instruments, Gain (Loss), Net	28	27
Capital markets fees [Domain] | Not Designated as Hedging Instrument [Member] | Commodity Contract [Member] | Fair Value Hedges
Derivative [Line Items]
Derivative Instruments Not Designated as Hedging Instruments, Gain (Loss), Net	$ (2)	6
Equity Contract [Member]
Derivative [Line Items]
Derivative Instruments Not Designated as Hedging Instruments, Purpose	Other noninterest expense
Commodity Contract [Member]
Derivative [Line Items]
Derivative Instruments Not Designated as Hedging Instruments, Purpose	Capital markets fees
Other Contract [Member]
Derivative [Line Items]
Derivative Instruments Not Designated as Hedging Instruments, Purpose	Mortgage banking income
Other Expense [Member] | Not Designated as Hedging Instrument [Member] | Equity Contract [Member] | Fair Value Hedges
Derivative [Line Items]
Derivative Instruments Not Designated as Hedging Instruments, Gain (Loss), Net	$ (4)	$ 4
Interest Rate Floor [Member]
Derivative [Line Items]
Derivative Instruments Not Designated as Hedging Instruments, Purpose	Other noninterest income

DERIVATIVE FINANCIAL INSTRUME_4

DERIVATIVE FINANCIAL INSTRUMENTS - Gross Notional Values of Derivatives (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Derivative [Line Items]
Purchase of interest rate caps and derivative financial instruments, notional value	$ 25,927	$ 4,877
Fair Value Hedges
Derivative [Line Items]
Purchase of interest rate caps and derivative financial instruments, notional value	7,540	4,865
Cash Flow Hedges
Derivative [Line Items]
Purchase of interest rate caps and derivative financial instruments, notional value	18,387	12
Loans
Derivative [Line Items]
Purchase of interest rate caps and derivative financial instruments, notional value	18,375
Loans | Fair Value Hedges
Derivative [Line Items]
Purchase of interest rate caps and derivative financial instruments, notional value	0
Loans | Cash Flow Hedges
Derivative [Line Items]
Purchase of interest rate caps and derivative financial instruments, notional value	18,375
Securities Investment [Member]
Derivative [Line Items]
Purchase of interest rate caps and derivative financial instruments, notional value	12	12
Securities Investment [Member] | Fair Value Hedges
Derivative [Line Items]
Purchase of interest rate caps and derivative financial instruments, notional value	0	0
Securities Investment [Member] | Cash Flow Hedges
Derivative [Line Items]
Purchase of interest rate caps and derivative financial instruments, notional value	12	12
Other long term debt [Member]
Derivative [Line Items]
Purchase of interest rate caps and derivative financial instruments, notional value	7,540	4,865
Other long term debt [Member] | Fair Value Hedges
Derivative [Line Items]
Purchase of interest rate caps and derivative financial instruments, notional value	7,540	4,865
Other long term debt [Member] | Cash Flow Hedges
Derivative [Line Items]
Purchase of interest rate caps and derivative financial instruments, notional value	$ 0	0
Foreign Exchange Contract [Member]
Derivative [Line Items]
Derivative Instruments Not Designated as Hedging Instruments, Purpose	Capital markets fees
Customer Contracts [Member]
Derivative [Line Items]
Derivative Instruments Not Designated as Hedging Instruments, Purpose	Capital markets fees
Commodity Contract [Member]
Derivative [Line Items]
Derivative Instruments Not Designated as Hedging Instruments, Purpose	Capital markets fees
Other Contract [Member]
Derivative [Line Items]
Derivative Instruments Not Designated as Hedging Instruments, Purpose	Mortgage banking income
Interest Rate Floor [Member]
Derivative [Line Items]
Derivative Instruments Not Designated as Hedging Instruments, Purpose	Other noninterest income
Equity Contract [Member]
Derivative [Line Items]
Derivative Instruments Not Designated as Hedging Instruments, Purpose	Other noninterest expense
Not Designated as Hedging Instrument [Member] | Fair Value Hedges
Derivative [Line Items]
Derivative Instruments Not Designated as Hedging Instruments, Gain (Loss), Net	$ 112	59
Equity Contract [Member] | Not Designated as Hedging Instrument [Member] | Other Expense [Member] | Fair Value Hedges
Derivative [Line Items]
Derivative Instruments Not Designated as Hedging Instruments, Gain (Loss), Net	(4)	4
Commodity Contract [Member] | Not Designated as Hedging Instrument [Member] | Capital markets fees [Domain] | Fair Value Hedges
Derivative [Line Items]
Derivative Instruments Not Designated as Hedging Instruments, Gain (Loss), Net	(2)	6
Foreign Exchange Contract [Member] | Not Designated as Hedging Instrument [Member] | Capital markets fees [Domain] | Fair Value Hedges
Derivative [Line Items]
Derivative Instruments Not Designated as Hedging Instruments, Gain (Loss), Net	28	27
Interest Rate Contract [Member] | Not Designated as Hedging Instrument [Member] | Capital markets fees [Domain] | Fair Value Hedges
Derivative [Line Items]
Derivative Instruments Not Designated as Hedging Instruments, Gain (Loss), Net	49	41
Interest Rate Contract [Member] | Not Designated as Hedging Instrument [Member] | Mortgage Banking Income [Member] | Fair Value Hedges
Derivative [Line Items]
Derivative Instruments Not Designated as Hedging Instruments, Gain (Loss), Net	37	(19)
Interest Rate Floor [Member]
Derivative [Line Items]
Purchase of interest rate caps and derivative financial instruments, notional value	9,750
Interest Rate Floor [Member] | Not Designated as Hedging Instrument [Member] | Other noninterest income [Domain] | Fair Value Hedges
Derivative [Line Items]
Derivative Instruments Not Designated as Hedging Instruments, Gain (Loss), Net	$ 4	$ 0

DERIVATIVE FINANCIAL INSTRUME_5

DERIVATIVE FINANCIAL INSTRUMENTS - Asset and Liability Management Add Info (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Derivative [Line Items]
Notional Value	$ 16,177	$ 4,877
Average Maturity (years)		2 years 7 months 6 days
Fair Value	174	$ 2
Purchase of interest rate caps and derivative financial instruments, notional value	$ 25,927	$ 4,877
Weighted-Average Rate Receive		2.24%
Weighted-Average Rate Pay		2.54%
Interest Rate Floor [Member]
Derivative [Line Items]
Derivative, Average Remaining Maturity	1 year 7 months 6 days
Fair Value	$ 46
Purchase of interest rate caps and derivative financial instruments, notional value	$ 9,750
Asset conversion swaps - Receive Fixed - Generic
Derivative [Line Items]
Derivative, Average Remaining Maturity	3 years 3 months 18 days
Notional Value	$ 8,637	$ 12
Average Maturity (years)		1 year 2 months 12 days
Fair Value	$ 23	$ 0
Weighted-Average Rate Receive	1.66%	2.20%
Weighted-Average Rate Pay	1.06%	2.46%
Liability conversion swaps Receive Fixed Generic
Derivative [Line Items]
Derivative, Average Remaining Maturity	2 years 3 months 18 days
Notional Value	$ 7,540	$ 4,865
Average Maturity (years)		2 years 7 months 6 days
Fair Value	$ 151	$ 2
Weighted-Average Rate Receive	2.20%	2.24%
Weighted-Average Rate Pay	1.79%	2.54%
Interest Rate Swap [Member]
Derivative [Line Items]
Derivative, Average Remaining Maturity	2 years 10 months 24 days
Weighted-Average Rate Receive	1.91%
Weighted-Average Rate Pay	1.40%
Other Contract [Member]
Derivative [Line Items]
Derivative Instruments Not Designated as Hedging Instruments, Purpose	Mortgage banking income
Foreign Exchange Contract [Member]
Derivative [Line Items]
Derivative Instruments Not Designated as Hedging Instruments, Purpose	Capital markets fees
Commodity Contract [Member]
Derivative [Line Items]
Derivative Instruments Not Designated as Hedging Instruments, Purpose	Capital markets fees
Equity Contract [Member]
Derivative [Line Items]
Derivative Instruments Not Designated as Hedging Instruments, Purpose	Other noninterest expense
Customer Contracts [Member]
Derivative [Line Items]
Derivative Instruments Not Designated as Hedging Instruments, Purpose	Capital markets fees
Fair Value Hedges
Derivative [Line Items]
Purchase of interest rate caps and derivative financial instruments, notional value	$ 7,540	$ 4,865
Fair Value Hedges | Not Designated as Hedging Instrument [Member]
Derivative [Line Items]
Derivative Instruments Not Designated as Hedging Instruments, Gain (Loss), Net	112	59
Fair Value Hedges | Not Designated as Hedging Instrument [Member] | Other Expense [Member] | Equity Contract [Member]
Derivative [Line Items]
Derivative Instruments Not Designated as Hedging Instruments, Gain (Loss), Net	(4)	4
Fair Value Hedges | Not Designated as Hedging Instrument [Member] | Mortgage banking income | Interest Rate Contract
Derivative [Line Items]
Derivative Instruments Not Designated as Hedging Instruments, Gain (Loss), Net	37	(19)
Fair Value Hedges | Not Designated as Hedging Instrument [Member] | Capital markets fees [Domain] | Commodity Contract [Member]
Derivative [Line Items]
Derivative Instruments Not Designated as Hedging Instruments, Gain (Loss), Net	(2)	6
Fair Value Hedges | Not Designated as Hedging Instrument [Member] | Capital markets fees [Domain] | Interest Rate Contract
Derivative [Line Items]
Derivative Instruments Not Designated as Hedging Instruments, Gain (Loss), Net	49	41
Cash Flow Hedging [Member]
Derivative [Line Items]
Purchase of interest rate caps and derivative financial instruments, notional value	18,387	12
Loans Payable [Member]
Derivative [Line Items]
Purchase of interest rate caps and derivative financial instruments, notional value	18,375
Loans Payable [Member] | Fair Value Hedges
Derivative [Line Items]
Purchase of interest rate caps and derivative financial instruments, notional value	0
Loans Payable [Member] | Cash Flow Hedging [Member]
Derivative [Line Items]
Purchase of interest rate caps and derivative financial instruments, notional value	$ 18,375
Assigned [Member] | Interest Rate Floor [Member]
Derivative [Line Items]
Derivative, Average Remaining Maturity	1 year 7 months 6 days
Fair Value	$ 46
Purchase of interest rate caps and derivative financial instruments, notional value	9,750
Securities Investment [Member]
Derivative [Line Items]
Purchase of interest rate caps and derivative financial instruments, notional value	12	12
Securities Investment [Member] | Fair Value Hedges
Derivative [Line Items]
Purchase of interest rate caps and derivative financial instruments, notional value	0	0
Securities Investment [Member] | Cash Flow Hedging [Member]
Derivative [Line Items]
Purchase of interest rate caps and derivative financial instruments, notional value	12	12
Other long term debt [Member]
Derivative [Line Items]
Purchase of interest rate caps and derivative financial instruments, notional value	7,540	4,865
Other long term debt [Member] | Fair Value Hedges
Derivative [Line Items]
Purchase of interest rate caps and derivative financial instruments, notional value	7,540	4,865
Other long term debt [Member] | Cash Flow Hedging [Member]
Derivative [Line Items]
Purchase of interest rate caps and derivative financial instruments, notional value	$ 0	$ 0

DERIVATIVE FINANCIAL INSTRUME_6

DERIVATIVE FINANCIAL INSTRUMENTS - Hedging instruments (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Asset derivatives included in accrued income and other assets
Total derivative assets	$ 856	$ 500
Liability derivatives included in accrued expenses and other liabilities
Total derivative liabilities	521	404
Accrued income and other assets
Asset derivatives included in accrued income and other assets
Interest rate contracts designated as hedging instruments	256	44
Interest rate contracts not designated as hedging instruments	420	261
Foreign exchange contracts not designated as hedging instruments	19	23
Commodities contracts not designated as hedging instruments	155	172
Derivative Instruments Not Designated as Hedging Instruments, Asset, at Fair Value	6	0
Total derivative assets	856	500
Accrued expenses and other liabilities
Liability derivatives included in accrued expenses and other liabilities
Interest rate contracts designated as hedging instruments	36	42
Interest rate contracts not designated as hedging instruments	314	165
Foreign exchange contracts not designated as hedging instruments	18	19
Commodities contracts not designated as hedging instruments	152	168
Derivative Instruments Not Designated as Hedging Instruments, Liability, at Fair Value	1	10
Total derivative liabilities	$ 521	404
Customer Contracts [Member]
Derivatives, Fair Value [Line Items]
Derivative Instruments Not Designated as Hedging Instruments, Purpose	Capital markets fees
Commodity Contract [Member]
Derivatives, Fair Value [Line Items]
Derivative Instruments Not Designated as Hedging Instruments, Purpose	Capital markets fees
Other Contract [Member]
Derivatives, Fair Value [Line Items]
Derivative Instruments Not Designated as Hedging Instruments, Purpose	Mortgage banking income
Interest Rate Floor [Member]
Derivatives, Fair Value [Line Items]
Derivative Instruments Not Designated as Hedging Instruments, Purpose	Other noninterest income
Equity Contract [Member]
Derivatives, Fair Value [Line Items]
Derivative Instruments Not Designated as Hedging Instruments, Purpose	Other noninterest expense
Foreign Exchange Contract [Member]
Derivatives, Fair Value [Line Items]
Derivative Instruments Not Designated as Hedging Instruments, Purpose	Capital markets fees
Fair Value Hedging [Member] | Not Designated as Hedging Instrument [Member]
Derivatives, Fair Value [Line Items]
Derivative Instruments Not Designated as Hedging Instruments, Gain (Loss), Net	$ 112	59
Fair Value Hedging [Member] | Not Designated as Hedging Instrument [Member] | Commodity Contract [Member] | Capital markets fees [Domain]
Derivatives, Fair Value [Line Items]
Derivative Instruments Not Designated as Hedging Instruments, Gain (Loss), Net	(2)	6
Fair Value Hedging [Member] | Not Designated as Hedging Instrument [Member] | Interest Rate Contract [Member] | Capital markets fees [Domain]
Derivatives, Fair Value [Line Items]
Derivative Instruments Not Designated as Hedging Instruments, Gain (Loss), Net	49	41
Fair Value Hedging [Member] | Not Designated as Hedging Instrument [Member] | Interest Rate Contract [Member] | Mortgage Banking Income [Member]
Derivatives, Fair Value [Line Items]
Derivative Instruments Not Designated as Hedging Instruments, Gain (Loss), Net	37	(19)
Fair Value Hedging [Member] | Not Designated as Hedging Instrument [Member] | Interest Rate Floor [Member] | Other noninterest income [Domain]
Derivatives, Fair Value [Line Items]
Derivative Instruments Not Designated as Hedging Instruments, Gain (Loss), Net	4	0
Fair Value Hedging [Member] | Not Designated as Hedging Instrument [Member] | Foreign Exchange Contract [Member] | Capital markets fees [Domain]
Derivatives, Fair Value [Line Items]
Derivative Instruments Not Designated as Hedging Instruments, Gain (Loss), Net	28	27
Fair Value Hedging [Member] | Not Designated as Hedging Instrument [Member] | Equity Contract [Member] | Other Expense [Member]
Derivatives, Fair Value [Line Items]
Derivative Instruments Not Designated as Hedging Instruments, Gain (Loss), Net	$ (4)	$ 4

DERIVATIVE FINANCIAL INSTRUME_7

DERIVATIVE FINANCIAL INSTRUMENTS - Cash Flow Hedges) (Details) - USD ($) $ in Millions	3 Months Ended	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Derivative Instruments, Gain (Loss) [Line Items]
Fair value hedging adjustments		$ 93	$ 127
Purchase of interest rate caps and derivative financial instruments, notional value	$ 25,927	25,927	4,877
Change in fair value of cash flow hedging relationships arising during the period				$ 3
Cash Flow Hedges
Derivative Instruments, Gain (Loss) [Line Items]
Purchase of interest rate caps and derivative financial instruments, notional value	18,387	18,387	12
Fair Value Hedges
Derivative Instruments, Gain (Loss) [Line Items]
Purchase of interest rate caps and derivative financial instruments, notional value	7,540	$ 7,540	4,865
Subordinated notes | Interest expense subordinated notes and other long term debt
Derivative Instruments, Gain (Loss) [Line Items]
Increase or (decrease) to interest expense for derivatives designated as fair value hedges	127		112	(53)
Hedged subordinated notes | Interest expense subordinated notes and other long term debt
Derivative Instruments, Gain (Loss) [Line Items]
Increase or (decrease) to interest expense for derivatives designated as fair value hedges	$ (125)		$ (104)	$ 54

DERIVATIVE FINANCIAL INSTRUME_8

DERIVATIVE FINANCIAL INSTRUMENTS - Fair Value Hedges (Details) - USD ($) $ in Millions	3 Months Ended	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Derivative Instruments, Gain (Loss) [Line Items]
Fair Value Hedge Liabilities	$ 7,578	$ 4,845
Hedged Liability, Fair Value Hedge, Cumulative Increase (Decrease)	114	(12)
Interest expense subordinated notes and other long term debt [Member] | Subordinated notes [Member]
Derivative Instruments, Gain (Loss) [Line Items]
Increase (Decrease) in Fair Value of Hedged Item in Interest Rate Fair Value Hedge	127	112	$ (53)
Interest expense subordinated notes and other long term debt [Member] | Hedged Subordinated notes [Member]
Derivative Instruments, Gain (Loss) [Line Items]
Increase (Decrease) in Fair Value of Hedged Item in Interest Rate Fair Value Hedge	$ (125)	$ (104)	$ 54

DERIVATIVE FINANCIAL INSTRUME_9

DERIVATIVE FINANCIAL INSTRUMENTS - Mortgage Banking Activities (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Derivatives, Fair Value [Line Items]
Purchase of interest rate caps and derivative financial instruments, notional value	$ 25,927	$ 4,877
Derivative assets:
Derivative assets gross	856	500
Derivative liabilities:
Total derivative liabilities	(521)	(404)
Derivative used in Mortgage Banking Activities
Derivatives, Fair Value [Line Items]
Purchase of interest rate caps and derivative financial instruments, notional value	778	0
Derivative liabilities:
Trading Assets	19	0
Derivative, Gain (Loss) on Derivative, Net	30	(8)
Commitments to Sell Loans [Member]
Derivatives, Fair Value [Line Items]
Commitments to sell residential real estate loans	$ 1,400	$ 800

DERIVATIVE FINANCIAL INSTRUM_10

DERIVATIVE FINANCIAL INSTRUMENTS - Offsetting Assets (Details) - USD ($) $ in Millions	Dec. 31, 2019	Dec. 31, 2018
Derivative Asset [Abstract]
Gross amounts of recognized assets	$ 856	$ 500
Gross amounts offset in the consolidated balance sheets	(404)	(291)
Net amounts of assets presented in the consolidated balance sheets	452	209
Derivative Asset, Fair Value, Amount Not Offset Against Collateral [Abstract]
Gross amounts not offset in the statement of financial position - financial instruments	(65)	(4)
Gross amounts not offset in the statement of financial position - cash collateral received	(29)	(53)
Net amount	$ 358	$ 152

DERIVATIVE FINANCIAL INSTRUM_11

DERIVATIVE FINANCIAL INSTRUMENTS - Offsetting Liabilities (Details) - USD ($) $ in Millions	Dec. 31, 2019	Dec. 31, 2018
Derivative Liability [Abstract]
Gross amounts of recognized liabilities	$ 521	$ 404
Gross amounts offset in the consolidated balance sheets	(417)	(217)
Net amounts of assets presented in the consolidated balance sheets	104	187
Derivative Liability, Fair Value, Amount Not Offset Against Collateral [Abstract]
Gross amounts not offset in the consolidated balance sheets, financial instruments	0	0
Gross amounts not offset in the consolidated balance sheets, cash collateral received	(75)	(12)
Net amount	$ 29	$ 175

DERIVATIVE FINANCIAL INSTRUM_12

DERIVATIVE FINANCIAL INSTRUMENTS - Narrative (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Derivative [Line Items]
Fair value hedging adjustments	$ 93	$ 127
Increase (decrease) to net interest income due to derivative adjustment	(53)	(36)	$ 23
Gross amounts of recognized liabilities (less than)	521	404
Purchase of interest rate caps and derivative financial instruments, notional value	25,927	4,877
Total notional amount corresponds to trading assets, fair value (less than)	1
Credit risks from interest rate swaps used for trading purposes	407	132
Derivative liabilities	104	187
Aggregate credit risk, net of collateral	22	37
Investment securities and cash collateral pledged by Huntington	171
Investment securities and cash collateral pledged to Huntington	$ 178
Derivative liabilities	The following table presents additional information about the interest rate swaps and floors used in Huntington’s asset and liability management activities at December 31, 2019 and December 31, 2018 : December 31, 2019 Average Maturity (years) Weighted-Average Rate (dollar amounts in millions) Notional Value Fair Value Receive Pay Asset conversion swaps Receive fixed—generic $ 8,637 3.3 $ 23 1.66 % 1.06 % Liability conversion swaps Receive fixed—generic 7,540 2.3 151 2.20 1.79 Total swap portfolio at December 31, 2019 $ 16,177 2.9 $ 174 1.91 % 1.40 % December 31, 2019 (dollar amounts in millions) Notional Value Average Maturity (years) Fair Value Interest rate floors Designated interest rate floors $ 9,750 1.6 $ 46 Total floors portfolio at December 31, 2019 $ 9,750 1.6 $ 46 December 31, 2018 Average Maturity (years) Weighted-Average Rate (dollar amounts in millions) Notional Value Fair Value Receive Pay Asset conversion swaps Receive fixed—generic $ 12 1.2 $ — 2.20 % 2.46 % Liability conversion swaps Receive fixed—generic 4,865 2.6 2 2.24 % 2.54 % Total swap portfolio at December 31, 2018 $ 4,877 2.6 $ 2 2.24 % 2.54 %
Swap
Derivative [Line Items]
Gross amounts of recognized liabilities (less than)	$ 1
Derivative liabilities	1
Derivative used in trading activity
Derivative [Line Items]
Net derivative asset (liability)	87	92
Derivative financial instruments used by Huntington on behalf of customers including offsetting derivatives, notional value	30,000	26,000
Derivative used in Mortgage Banking Activities
Derivative [Line Items]
Derivative, Fair Value, Net	6	(4)
Purchase of interest rate caps and derivative financial instruments, notional value	778	0
Commitments to Sell Loans
Derivative [Line Items]
Commitments to sell residential real estate loans	$ 1,400	$ 800

VIEs - Narrative (Details)

VIEs - Narrative (Details)	12 Months Ended
	Dec. 31, 2019
Variable Interest Entity [Line Items]
Maximum year to defer payment of interest on Debenture	5 years

VIEs - Unconsolidated VIEs (Det

VIEs - Unconsolidated VIEs (Details) - USD ($) $ in Millions	Dec. 31, 2019	Dec. 31, 2018
Variable Interest Entity [Line Items]
Total Assets	$ 920	$ 848
Total Liabilities	647	662
Maximum Exposure to Loss	906	834
Trust Preferred Securities
Variable Interest Entity [Line Items]
Total Assets	14	14
Total Liabilities	252	252
Maximum Exposure to Loss	0	0
Affordable Housing Tax Credit Partnerships
Variable Interest Entity [Line Items]
Total Assets	727	708
Total Liabilities	332	357
Maximum Exposure to Loss	727	708
Other Investments
Variable Interest Entity [Line Items]
Total Assets	179	126
Total Liabilities	63	53
Maximum Exposure to Loss	$ 179	$ 126

VIEs - Trust Preferred Securiti

VIEs - Trust Preferred Securities (Details) $ in Millions	12 Months Ended
	Dec. 31, 2019USD ($)
Variable Interest Entity [Line Items]
Principal amount of subordinated note/ debenture issued to trust	$ 9,844
Huntington Capital I
Variable Interest Entity [Line Items]
Rate	2.61%
Principal amount of subordinated note/ debenture issued to trust	$ 70
Investment in unconsolidated subsidiary	$ 6
Huntington Capital I | London Interbank Offered Rate (LIBOR) [Member]
Variable Interest Entity [Line Items]
Basis spread on variable rate	0.70%
Huntington Capital II
Variable Interest Entity [Line Items]
Rate	2.53%
Principal amount of subordinated note/ debenture issued to trust	$ 32
Investment in unconsolidated subsidiary	$ 3
Huntington Capital II | London Interbank Offered Rate (LIBOR) [Member]
Variable Interest Entity [Line Items]
Basis spread on variable rate	0.625%
Sky Financial Capital Trust III
Variable Interest Entity [Line Items]
Rate	3.31%
Principal amount of subordinated note/ debenture issued to trust	$ 72
Investment in unconsolidated subsidiary	$ 2
Sky Financial Capital Trust III | London Interbank Offered Rate (LIBOR) [Member]
Variable Interest Entity [Line Items]
Basis spread on variable rate	1.40%
Sky Financial Capital Trust IV
Variable Interest Entity [Line Items]
Rate	3.31%
Principal amount of subordinated note/ debenture issued to trust	$ 74
Investment in unconsolidated subsidiary	$ 2
Sky Financial Capital Trust IV | London Interbank Offered Rate (LIBOR) [Member]
Variable Interest Entity [Line Items]
Basis spread on variable rate	1.33%
Camco Financial Trust
Variable Interest Entity [Line Items]
Rate	3.24%
Principal amount of subordinated note/ debenture issued to trust	$ 4
Investment in unconsolidated subsidiary	1
Variable Interest Entity, Not Primary Beneficiary
Variable Interest Entity [Line Items]
Principal amount of subordinated note/ debenture issued to trust	252
Investment in unconsolidated subsidiary	$ 14

VIEs - Low Income Housing Tax C

VIEs - Low Income Housing Tax Credit Partnerships (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Affordable Housing Tax Credit Partnerships
Variable Interest Entity [Line Items]
Affordable Housing Tax Credits and Other Tax Benefits, Amount	$ 98	$ 92	$ 91
Affordable housing tax credit investments	1,242	1,147
Less: amortization	(515)	(439)
Net affordable housing tax credit investments	727	708
Unfunded commitments	332	357
Proportional Amortization Method
Variable Interest Entity [Line Items]
Proportional amortization expense included in provision for income taxes	84	79	70
Proportional amortization method
Proportional amortization expense included in provision for income taxes	$ 84	$ 79	$ 70

COMMITMENTS AND CONTINGENT LI_3

COMMITMENTS AND CONTINGENT LIABILITIES - Commitments to Extend Credit (Details) - USD ($) $ in Millions	3 Months Ended
	Sep. 30, 2019	Dec. 31, 2019	Dec. 31, 2018
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Loss Contingency, Period of Occurrence	P2Y
Debt Instrument, Maturity Date, Description	P90D
Commercial
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Contract amount represents credit risk		$ 18,326	$ 17,149
Consumer
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Contract amount represents credit risk		14,831	14,974
Commercial real estate
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Contract amount represents credit risk		1,364	1,188
Standby letters of credit
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Contract amount represents credit risk		587	676
Commercial | Commercial letters of credit
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Contract amount represents credit risk		$ 8	$ 14

COMMITMENTS AND CONTINGENT LI_4

COMMITMENTS AND CONTINGENT LIABILITIES - Narrative (Details) - USD ($) $ in Millions	Dec. 31, 2019	Dec. 31, 2018
Standby letters of credit
Loss Contingencies [Line Items]
Outstanding standby letters of credit	$ 8	$ 13
Maximum
Loss Contingencies [Line Items]
Loss Contingency, Estimate of Possible Loss	20
Minimum
Loss Contingencies [Line Items]
Loss Contingency, Estimate of Possible Loss	$ 0

OTHER REGULATORY MATTERS (Detai

OTHER REGULATORY MATTERS (Details) - USD ($) $ in Millions	Dec. 31, 2019	Dec. 31, 2018
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Common Equity Tier One Risk Based Capital Required for Capital Adequacy to Risk Weighted Assets	4.50%
Common Equity Tier One Risk Based Capital Conservation Buffer Plus Capital Required for Capital Adequacy to Risk Weighted Assets	7.00%
Common Equity Tier One Capital	$ 8,647	$ 8,271
Tier One Risk Based Capital Required for Capital Adequacy to Risk Weighted Assets	6.00%
Tier One Risk Based Capital Conservation Buffer Plus Capital Required for Capital Adequacy to Risk Weighted Assets	8.50%
Tier One Risk Based Capital Required to be Well Capitalized to Risk Weighted Assets	6.00%
Tier One Leverage Capital	$ 9,854	9,478
Tier One Risk Based Capital	$ 9,854	9,478
Capital Required for Capital Adequacy to Risk Weighted Assets	8.00%
Capital Conservation Buffer Plus Capital required for Capital Adequacy to Risk Weighted Assets	10.50%
Capital Required to be Well Capitalized to Risk Weighted Assets	10.00%
Capital	$ 11,413	11,122
Tier One Leverage Capital Required for Capital Adequacy to Average Assets	4.00%
Bank
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Common Equity Tier One Risk Based Capital Required for Capital Adequacy to Risk Weighted Assets	4.50%
Common Equity Tier One Risk Based Capital Conservation Buffer Plus Capital Required for Capital Adequacy to Risk Weighted Assets	7.00%
Common Equity Tier One Risked Based Capital Required to be Well Capitalized to Risk Weighted Assets	6.50%
Common Equity Tier One Capital	$ 9,747	$ 8,732
Tier One Risk Based Capital Required for Capital Adequacy to Risk Weighted Assets	6.00%
Tier One Risk Based Capital Conservation Buffer Plus Capital Required for Capital Adequacy to Risk Weighted Assets	8.50%
Tier One Risk Based Capital Required to be Well Capitalized to Risk Weighted Assets	8.00%
Tier One Risk Based Capital to Risk Weighted Assets		11.21%
Tier One Leverage Capital	$ 10,621	$ 9,611
Capital Required for Capital Adequacy to Risk Weighted Assets	8.00%
Capital Conservation Buffer Plus Capital required for Capital Adequacy to Risk Weighted Assets	10.50%
Capital Required to be Well Capitalized to Risk Weighted Assets	10.00%
Capital	$ 11,864	$ 11,504
Tier One Leverage Capital Required for Capital Adequacy to Average Assets	4.00%
Tier One Leverage Capital Required to be Well Capitalized to Average Assets	5.00%

OTHER REGULATORY MATTERS - Narr

OTHER REGULATORY MATTERS - Narrative (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Banking and Thrift [Abstract]
Average required reserve balance on deposits	$ 600	$ 400
Amount bank could lend to single affiliate	1,200
Cash dividends paid to the holding company	$ 700

PARENT COMPANY FINANCIAL STAT_3

PARENT COMPANY FINANCIAL STATEMENTS - Balance Sheet (Details) - USD ($) $ in Millions	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Assets
Accrued interest receivable and other assets	$ 2,703	$ 2,288
Total assets	109,002	108,781
Liabilities and shareholders’ equity
Long-term borrowings	9,849	8,625
Other liabilities	2,405	2,263
Total liabilities	97,207	97,679
Shareholders’ equity	11,795	11,102	$ 10,814	$ 10,308
Total liabilities and shareholders’ equity	109,002	108,781
Parent Company
Assets
Cash and due from banks	3,119	2,352	$ 1,618	$ 1,753
Due from The Huntington National Bank	47	739
Due from non-bank subsidiaries	34	40
Investment in The Huntington National Bank	12,833	11,493
Investment in non-bank subsidiaries	165	142
Accrued interest receivable and other assets	349	239
Total assets	16,547	15,005
Liabilities and shareholders’ equity
Long-term borrowings	4,095	3,216
Other liabilities	657	687
Total liabilities	4,752	3,903
Shareholders’ equity	11,795	11,102
Total liabilities and shareholders’ equity	$ 16,547	$ 15,005

PARENT COMPANY FINANCIAL STAT_4

PARENT COMPANY FINANCIAL STATEMENTS - Income Statement (Details) - USD ($) $ in Millions	3 Months Ended								12 Months Ended
	Dec. 31, 2019	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2018	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Interest from:
Other noninterest income									$ 183	$ 163	$ 171
Expense
Personnel costs									1,654	1,559	1,524
Other									225	217	231
Total noninterest expense	$ 701	$ 667	$ 700	$ 653	$ 711	$ 651	$ 652	$ 633	2,721	2,647	2,714
Income before income taxes	372	439	427	421	391	440	412	385	1,659	1,628	1,394
Provision (benefit) for income taxes	55	67	63	63	57	62	57	59	248	235	208
Increase (decrease) in undistributed net income (loss) of:
Net income	$ 317	$ 372	$ 364	$ 358	$ 334	$ 378	$ 355	$ 326	1,411	1,393	1,186
Other comprehensive income (loss)									353	(80)
Parent Company
Dividends from:
The Huntington National Bank									685	1,722	298
Non-bank subsidiaries									3	0	14
Interest from:
The Huntington National Bank									8	27	20
Non-bank subsidiaries									2	2	2
Other noninterest income									2	(2)	4
Total income									700	1,749	338
Expense
Personnel costs									6	2	19
Interest on borrowings									143	124	91
Other									145	118	115
Total noninterest expense									294	244	225
Income before income taxes									406	1,505	113
Provision (benefit) for income taxes									(63)	(48)	(56)
Income before equity in undistributed net income of subsidiaries									469	1,553	169
Increase (decrease) in undistributed net income (loss) of:
The Huntington National Bank									908	(186)	1,015
Non-bank subsidiaries									34	26	2
Net income									1,411	1,393	1,186
Other comprehensive income (loss)									353	(80)	(34)
Comprehensive income									$ 1,764	$ 1,313	$ 1,152

PARENT COMPANY FINANCIAL STAT_5

PARENT COMPANY FINANCIAL STATEMENTS - Cash Flow Statement (Details) - USD ($) $ in Millions	3 Months Ended								12 Months Ended
	Dec. 31, 2019	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2018	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Condensed Cash Flow Statements, Captions [Line Items]
Interest paid									$ 989	$ 742	$ 409
Operating activities
Net income	$ 317	$ 372	$ 364	$ 358	$ 334	$ 378	$ 355	$ 326	1,411	1,393	1,186
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation and amortization									386	493	413
Net cash provided by (used in) operating activities									1,574	1,726	1,954
Investing activities
Sales of available-for-sale securities									3,903	1,419	2,490
Cash paid for acquisitions, net of cash received									0	(15)	0
Payments for (Proceeds from) Other Investing Activities									(228)	(102)	(18)
Net cash provided by (used in) investing activities									(1,877)	(3,663)	(4,866)
Financing activities
Decrease in short-term borrowings									1,796	2,229	1,891
Repayments of Long-term Debt									743	2,798	948
Net proceeds from issuance of medium-term notes									586	(3,025)	1,371
Net proceeds from issuance of preferred stock									0	495	0
Repurchases of common stock									(441)	(939)	(260)
Other, net									(2)	(5)	(11)
Net cash provided by (used for) financing activities									(1,199)	3,089	3,047
Parent Company
Condensed Cash Flow Statements, Captions [Line Items]
Interest paid									135	126	90
Operating activities
Net income									1,411	1,393	1,186
Adjustments to reconcile net income to net cash provided by operating activities:
Equity in undistributed net income of subsidiaries									(942)	197	(997)
Depreciation and amortization									(2)	(2)	4
Other, net									(19)	121	(37)
Net cash provided by (used in) operating activities									448	1,709	156
Investing activities
Repayments from subsidiaries									701	21	442
Advances to subsidiaries									(11)	(13)	(29)
Sales of available-for-sale securities									(38)	0	1
Cash paid for acquisitions, net of cash received									0	(15)	0
Net cash provided by (used in) investing activities									652	(7)	414
Financing activities
Repayments of Short-term Debt									0	(400)	0
Net proceeds from issuance of medium-term notes									797	501	0
Net proceeds from issuance of long-term borrowings									(671)	(584)	(425)
Net proceeds from issuance of preferred stock									0	495	0
Repurchases of common stock									(441)	(939)	(260)
Other, net									18	41	20
Net cash provided by (used for) financing activities									(333)	(968)	(705)
Increase (decrease) in cash and cash equivalents									767	734	(135)
Cash and cash equivalents at beginning of period				$ 2,352				$ 1,618	2,352	1,618	1,753
Cash and cash equivalents at end of period	$ 3,119				$ 2,352				$ 3,119	$ 2,352	$ 1,618

SEGMENT REPORTING (Details)

SEGMENT REPORTING (Details) $ in Millions	3 Months Ended								12 Months Ended
	Dec. 31, 2019USD ($)segments	Sep. 30, 2019USD ($)	Jun. 30, 2019USD ($)	Mar. 31, 2019USD ($)	Dec. 31, 2018USD ($)	Sep. 30, 2018USD ($)	Jun. 30, 2018USD ($)	Mar. 31, 2018USD ($)	Dec. 31, 2019USD ($)segments	Dec. 31, 2018USD ($)	Dec. 31, 2017USD ($)
Segment Reporting Information [Line Items]
Net interest income	$ 780	$ 799	$ 812	$ 822	$ 833	$ 802	$ 784	$ 770	$ 3,213	$ 3,189	$ 3,002
Provision for credit losses	79	82	59	67	60	53	56	66	287	235	201
Noninterest income	372	389	374	319	329	342	336	314	1,454	1,321	1,307
Noninterest expense	701	667	700	653	711	651	652	633	2,721	2,647	2,714
Provision (benefit) for income taxes	55	67	63	63	57	62	57	59	248	235	208
Net income	317	$ 372	$ 364	$ 358	334	$ 378	$ 355	$ 326	1,411	1,393	1,186
Total assets	109,002				108,781				109,002	108,781
Deposits	$ 82,347				84,774				$ 82,347	84,774
Number of Reportable Segments | segments	4								4
Operating Segments | Consumer & Business Banking
Segment Reporting Information [Line Items]
Net interest income									$ 1,766	1,727	1,581
Provision for credit losses									114	137	105
Noninterest income									825	744	740
Noninterest expense									1,673	1,699	1,641
Provision (benefit) for income taxes									169	133	201
Net income									635	502	374
Total assets	$ 25,073				27,486				25,073	27,486
Deposits	51,675				50,300				51,675	50,300
Operating Segments | Commercial Banking
Segment Reporting Information [Line Items]
Net interest income									1,037	1,013	975
Provision for credit losses									132	42	33
Noninterest income									359	321	286
Noninterest expense									564	502	465
Provision (benefit) for income taxes									147	166	267
Net income									553	624	496
Total assets	34,337				34,818				34,337	34,818
Deposits	20,762				23,185				20,762	23,185
Operating Segments | Vehicle Finance
Segment Reporting Information [Line Items]
Noninterest income									12	11
Total assets	20,155				19,435				20,155	19,435
Deposits	376				346				376	346
Operating Segments | Vehicle Finance
Segment Reporting Information [Line Items]
Net interest income									397	392	427
Provision for credit losses									44	55	63
Noninterest income									12	11	14
Noninterest expense									148	143	141
Provision (benefit) for income taxes									45	43	83
Net income									172	162	154
Operating Segments | RBHPCG
Segment Reporting Information [Line Items]
Net interest income									198	203	209
Provision for credit losses									(3)	1	0
Noninterest income									198	193	189
Noninterest expense									256	244	239
Provision (benefit) for income taxes									30	32	56
Net income									113	119	103
Total assets	6,665				6,540				6,665	6,540
Deposits	6,370				6,809				6,370	6,809
Treasury / Other
Segment Reporting Information [Line Items]
Net interest income									(185)	(146)	(190)
Provision for credit losses									0	0	0
Noninterest income									60	52	78
Noninterest expense									80	59	228
Provision (benefit) for income taxes									(143)	(139)	(399)
Net income									(62)	(14)	$ 59
Total assets	22,772				20,502				22,772	20,502
Deposits	$ 3,164				$ 4,134				$ 3,164	$ 4,134

QUARTERLY RESULTS OF OPERATIO_3

QUARTERLY RESULTS OF OPERATIONS (UNAUDITED) (Details) - USD ($) $ / shares in Units, $ in Millions	3 Months Ended								12 Months Ended
	Dec. 31, 2019	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2018	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Quarterly Financial Information Disclosure [Abstract]
Interest income	$ 1,011	$ 1,052	$ 1,068	$ 1,070	$ 1,056	$ 1,007	$ 972	$ 914	$ 4,201	$ 3,949	$ 3,433
Interest expense	231	253	256	248	223	205	188	144	988	760	431
Net interest income	780	799	812	822	833	802	784	770	3,213	3,189	3,002
Provision for credit losses	79	82	59	67	60	53	56	66	287	235	201
Noninterest income	372	389	374	319	329	342	336	314	1,454	1,321	1,307
Noninterest expense	701	667	700	653	711	651	652	633	2,721	2,647	2,714
Income before income taxes	372	439	427	421	391	440	412	385	1,659	1,628	1,394
Provision for income taxes	55	67	63	63	57	62	57	59	248	235	208
Net income	317	372	364	358	334	378	355	326	1,411	1,393	1,186
Dividends on preferred shares	19	18	18	19	19	18	21	12	74	70	76
Net income available to common shareholders	$ 298	$ 354	$ 346	$ 339	$ 315	$ 360	$ 334	$ 314	$ 1,337	$ 1,323	$ 1,110
Basic earnings per common share (in USD per share)	$ 0.29	$ 0.34	$ 0.33	$ 0.32	$ 0.30	$ 0.33	$ 0.30	$ 0.29	$ 1.29	$ 1.22	$ 1.02
Diluted earnings per common share (in USD per share)	$ 0.28	$ 0.34	$ 0.33	$ 0.32	$ 0.29	$ 0.33	$ 0.30	$ 0.28	$ 1.27	$ 1.20	$ 1