Huntington Bancshares (HBAN) 10-Q 30 Oct 20 2020 Q3 Quarterly report Financial data

Cover Page

Cover Page	9 Months Ended
	Sep. 30, 2020shares
Entity Information [Line Items]
Document Type	10-Q
Document Quarterly Report	true
Document Period End Date	Sep. 30, 2020
Document Transition Report	false
Entity Registrant Name	HUNTINGTON BANCSHARES INC/MD
Entity Incorporation, State or Country Code	MD
Entity File Number	1-34073
Entity Tax Identification Number	31-0724920
Entity Address, Address Line One	41 South High Street
Entity Address, City or Town	Columbus
Entity Address, State or Province	OH
Entity Address, Postal Zip Code	43287
City Area Code	614
Local Phone Number	480-2265
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Large Accelerated Filer
Entity Small Business	false
Entity Emerging Growth Company	false
Entity Shell Company	false
Entity Common Stock, Shares Outstanding (in shares)	1,017,310,599
Entity Central Index Key	0000049196
Amendment Flag	false
Document Fiscal Year Focus	2020
Document Fiscal Period Focus	Q3
Current Fiscal Year End Date	--12-31
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
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

Condensed Consolidated Balance

Condensed Consolidated Balance Sheets - USD ($) $ in Millions		Sep. 30, 2020	Dec. 31, 2019
Assets
Cash and due from banks		$ 1,029	$ 1,045
Interest-bearing deposits at Federal Reserve Bank		5,246	125
Interest-bearing deposits in banks		109	102
Trading account securities		54	99
Available-for-sale securities		14,807	14,149
Held-to-maturity securities		8,557	9,070
Other securities		421	441
Loans held for sale (includes $1,118 and $781 respectively, measured at fair value)	[1]	1,303	877
Loans and leases (includes $92 and $81 respectively, measured at fair value)	[1]	81,156	75,404
Allowance for loan and lease losses		(1,796)	(783)
Net loans and leases		79,360	74,621
Bank owned life insurance		2,567	2,542
Premises and equipment		752	763
Goodwill		1,990	1,990
Servicing rights and other intangible assets		419	475
Other assets		3,502	2,703
Total assets		120,116	109,002
Liabilities
Deposits		95,154	82,347
Short-term borrowings		222	2,606
Long-term debt		9,174	9,849
Other liabilities		2,649	2,405
Total liabilities		107,199	97,207
Commitments and contingencies (Note 15)
Shareholders’ equity
Preferred stock		2,191	1,203
Common stock		10	10
Capital surplus		8,766	8,806
Less treasury shares, at cost		(59)	(56)
Accumulated other comprehensive gain (loss)		257	(256)
Retained earnings		1,752	2,088
Total shareholders’ equity		12,917	11,795
Total liabilities and shareholders’ equity		$ 120,116	$ 109,002
Common shares authorized (par value of $0.01) (in shares)		1,500,000,000	1,500,000,000
Common shares outstanding (in shares)		1,017,310,599	1,020,003,482
Treasury shares outstanding (in shares)		5,066,072	4,537,605
Preferred stock, authorized shares (in shares)		6,617,808	6,617,808
Preferred shares outstanding (in shares)		750,500	740,500
[1]	Amounts represent loans for which Huntington has elected the fair value option. See Note 12 “ Fair Values of Assets and Liabilities ”.

Condensed Consolidated Balanc_2

Condensed Consolidated Balance Sheets (Parenthetical) - USD ($) $ in Millions	Sep. 30, 2020	Dec. 31, 2019
Assets
Loans held for sale, fair value	$ 1,118	$ 781
Loans and leases, fair value	$ 92	$ 81
Shareholders’ equity
Common stock, par value (in usd per share)	$ 0.01	$ 0.01

Condensed Consolidated Statemen

Condensed Consolidated Statements of Income - USD ($) shares in Thousands, $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019
Interest and fee income:
Loans and leases	$ 764	$ 889	$ 2,327	$ 2,692
Available-for-sale securities
Taxable	50	74	191	222
Tax-exempt	15	20	47	64
Held-to-maturity securities—taxable	51	54	169	164
Other securities—taxable	1	3	4	13
Other	11	12	31	35
Total interest income	892	1,052	2,769	3,190
Interest expense:
Deposits	31	154	182	449
Short-term borrowings	0	13	13	46
Long-term debt	44	86	175	262
Total interest expense	75	253	370	757
Net interest income	817	799	2,399	2,433
Provision for credit losses	177	82	945	208
Net interest income after provision for credit losses	640	717	1,454	2,225
Service charges on deposit accounts	76	98	223	277
Card and payment processing income	66	64	183	183
Trust and investment management services	48	44	140	131
Mortgage banking income	122	54	277	109
Capital markets fees	27	36	91	92
Insurance income	24	20	72	64
Bank owned life insurance income	17	18	49	49
Gain on sale of loans and leases	13	13	30	39
Net (losses) gains on sales of securities	0	0	(1)	(2)
Other noninterest income	37	42	118	140
Total noninterest income	430	389	1,182	1,082
Personnel costs	453	406	1,267	1,228
Outside data processing and other services	98	87	273	257
Equipment	44	41	132	121
Net occupancy	40	38	119	118
Professional services	12	16	34	40
Amortization of intangibles	10	12	31	37
Marketing	9	10	23	28
Deposit and other insurance expense	6	8	24	24
Other noninterest expense	40	49	136	167
Total noninterest expense	712	667	2,039	2,020
Income before income taxes	358	439	597	1,287
Provision for income taxes	55	67	96	193
Net income	303	372	501	1,094
Dividends on preferred shares	28	18	65	55
Net income applicable to common shares	$ 275	$ 354	$ 436	$ 1,039
Average common shares—basic (in shares)	1,017,253	1,034,940	1,017,052	1,042,246
Average common shares—diluted (in shares)	1,031,460	1,051,273	1,031,573	1,059,064
Per common share:
Net income—basic (in usd per share)	$ 0.27	$ 0.34	$ 0.43	$ 1
Net income—diluted (in usd per share)	$ 0.27	$ 0.34	$ 0.42	$ 0.98

Condensed Consolidated Statem_2

Condensed Consolidated Statement of Comprehensive Income - USD ($) $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019
Statement of Comprehensive Income [Abstract]
Net income	$ 303	$ 372	$ 501	$ 1,094
Unrealized gains (losses) on available-for-sale securities:
Unrealized net gains (losses) on available-for-sale securities arising during the period, net of reclassification for net realized gains and losses	5	69	240	349
Change in fair value related to cash flow hedges	(40)	28	279	82
Change in accumulated unrealized gains (losses) for pension and other post-retirement obligations	2	1	(6)	3
Other comprehensive income, net of tax	(33)	98	513	434
Comprehensive income	$ 270	$ 470	$ 1,014	$ 1,528

Condensed Consolidated Statem_3

Condensed Consolidated Statements of Changes in Shareholders' Equity - USD ($) shares in Thousands, $ in Millions	Total	Series B Preferred Stock	Series C Preferred Stock	Series D Preferred Stock	Series E Preferred Stock	Series F Preferred Stock	Preferred Stock	Common Stock	Capital Surplus	Treasury Stock	Accumulated Other Comprehensive Loss	Retained Earnings (Deficit)	Retained Earnings (Deficit)Series B Preferred Stock	Retained Earnings (Deficit)Series C Preferred Stock	Retained Earnings (Deficit)Series D Preferred Stock	Retained Earnings (Deficit)Series E Preferred Stock	Retained Earnings (Deficit)Series F Preferred Stock
Balance, beginning of period (in shares) at Dec. 31, 2018								1,050,584		(3,817)
Balance, beginning of period at Dec. 31, 2018	$ 11,102						$ 1,203	$ 11	$ 9,181	$ (45)	$ (609)	$ 1,361
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	1,094											1,094
Other comprehensive income (loss), net of tax	434										434
Cash dividends declared:
Common stock, dividend	(455)											(455)
Preferred stock, dividend		$ (1)	$ (4)	$ (29)	$ (21)								$ (1)	$ (4)	$ (29)	$ (21)
Repurchases of common stock (in shares)								(18,390)
Repurchases of common stock	(245)							$ (1)	(244)
Recognition of the fair value of share-based compensation	64								64
Other share-based compensation activity (in shares)								5,109
Other share-based compensation activity	(21)							$ 0	(21)			0
Other (in shares)										731
Other	(9)								0	$ (10)		1
Balance, end of period (in shares) at Sep. 30, 2019								1,037,303		(4,548)
Balance, end of period at Sep. 30, 2019	11,909						1,203	$ 10	8,980	$ (55)	(175)	1,946
Balance, beginning of period (in shares) at Jun. 30, 2019								1,042,140		(4,299)
Balance, beginning of period at Jun. 30, 2019	11,668						1,203	$ 10	9,030	$ (52)	(273)	1,750
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	372											372
Other comprehensive income (loss), net of tax	98										98
Cash dividends declared:
Common stock, dividend	(158)											(158)
Preferred stock, dividend		0	(1)	(10)	(7)								0	(1)	(10)	(7)
Repurchases of common stock (in shares)								(5,213)
Repurchases of common stock	(68)							$ 0	(68)
Recognition of the fair value of share-based compensation	16								16
Other share-based compensation activity (in shares)								376
Other share-based compensation activity	2							$ 0	2			0
Other (in shares)										(249)
Other	(3)									$ (3)
Balance, end of period (in shares) at Sep. 30, 2019								1,037,303		(4,548)
Balance, end of period at Sep. 30, 2019	11,909						1,203	$ 10	8,980	$ (55)	(175)	1,946
Balance, beginning of period (in shares) at Dec. 31, 2019								1,024,541		(4,537)
Balance, beginning of period at Dec. 31, 2019	11,795						1,203	$ 10	8,806	$ (56)	(256)	2,088
Balance, beginning of period (ASU 2016-13) at Dec. 31, 2019	(306)										0	(306)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	501											501
Other comprehensive income (loss), net of tax	513										513
Net proceeds from issuance of Preferred Stock	988						988
Cash dividends declared:
Common stock, dividend	(466)											(466)
Preferred stock, dividend		(1)	(4)	(29)	(21)	$ (10)							(1)	(4)	(29)	(21)	$ (10)
Repurchases of common stock (in shares)								(7,088)
Repurchases of common stock	(88)							$ 0	(88)
Recognition of the fair value of share-based compensation	60								60
Other share-based compensation activity (in shares)								4,924
Other share-based compensation activity	(12)							$ 0	(12)			0
Other (in shares)										(529)
Other	(3)								0	$ (3)		0
Balance, end of period (in shares) at Sep. 30, 2020								1,022,377		(5,066)
Balance, end of period at Sep. 30, 2020	12,917						2,191	$ 10	8,766	$ (59)	257	1,752
Balance, beginning of period (in shares) at Jun. 30, 2020								1,022,309		(4,999)
Balance, beginning of period at Jun. 30, 2020	12,314						1,697	$ 10	8,743	$ (59)	290	1,633
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	303											303
Other comprehensive income (loss), net of tax	(33)										(33)
Net proceeds from issuance of Preferred Stock	494						494
Cash dividends declared:
Common stock, dividend	(156)											(156)
Preferred stock, dividend		$ 0	$ (1)	$ (10)	$ (7)	$ (10)							$ 0	$ (1)	$ (10)	$ (7)	$ (10)
Recognition of the fair value of share-based compensation	21								21
Other share-based compensation activity (in shares)								68
Other share-based compensation activity	2							$ 0	2
Other (in shares)										(67)
Other	0									$ 0
Balance, end of period (in shares) at Sep. 30, 2020								1,022,377		(5,066)
Balance, end of period at Sep. 30, 2020	$ 12,917						$ 2,191	$ 10	$ 8,766	$ (59)	$ 257	$ 1,752

Condensed Consolidated Statem_4

Condensed Consolidated Statements of Changes in Shareholders' Equity (Parenthetical) - $ / shares	3 Months Ended		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019
Cash dividends declared:
Common stock, Cash dividend per share (in usd per share)	$ 0.15	$ 0.15	$ 0.45	$ 0.43
Series B Preferred Stock
Cash dividends declared:
Preferred stock dividend per share (in usd per share)	7.44	12.51	28.56	39.47
Series C Preferred Stock
Cash dividends declared:
Preferred stock dividend per share (in usd per share)	14.69	14.69	44.07	44.07
Series D Preferred Stock
Cash dividends declared:
Preferred stock dividend per share (in usd per share)	15.63	15.63	46.88	46.88
Series E Preferred Stock
Cash dividends declared:
Preferred stock dividend per share (in usd per share)	1,425	$ 1,425	4,275	$ 4,275
Series F Preferred Stock
Cash dividends declared:
Preferred stock dividend per share (in usd per share)	$ 2,062.50		$ 2,062.50

Condensed Consolidated Statem_5

Condensed Consolidated Statements of Cash Flows - USD ($) $ in Millions	9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019
Operating activities
Net income	$ 501	$ 1,094
Adjustments to reconcile net income to net cash provided by (used in) operating activities:
Provision for credit losses	945	208
Depreciation and amortization	258	308
Share-based compensation expense	60	64
Deferred income tax (benefit) expense	(123)	(6)
Net change in:
Trading account securities	45	(51)
Loans held for sale	(395)	(356)
Other assets	(919)	(662)
Other liabilities	890	297
Other, net	(3)	2
Net cash provided by (used in) operating activities	1,259	898
Investing activities
Change in interest bearing deposits in banks	(80)	(121)
Proceeds from:
Maturities and calls of available-for-sale securities	3,657	1,338
Maturities and calls of held-to-maturity securities	2,028	656
Maturities and calls of other securities	86	153
Sales of available-for-sale securities	392	1,746
Purchases of available-for-sale securities	(5,988)	(3,174)
Purchases of held-to-maturity securities	0	(516)
Purchases of other securities	(66)	(5)
Net proceeds from sales of portfolio loans	696	670
Principal payments received under direct finance and sales-type leases	518	544
Net loan and lease activity, excluding sales and purchases	(6,099)	(1,162)
Purchases of premises and equipment	(82)	(82)
Purchases of loans and leases	(1,248)	(311)
Net cash paid for branch disposition	0	(548)
Other, net	34	49
Net cash provided by (used in) investing activities	(6,152)	(763)
Financing activities
Increase (decrease) in deposits	12,807	(1,654)
(Decrease) increase in short-term borrowings	(2,306)	196
Net proceeds from issuance of long-term debt	1,348	1,737
Maturity/redemption of long-term debt	(2,218)	(684)
Dividends paid on preferred stock	(55)	(55)
Dividends paid on common stock	(460)	(442)
Repurchases of common stock	(88)	(245)
Net proceeds from issuance of preferred stock	988	0
Payments related to tax-withholding for share based compensation awards	(19)	(26)
Other, net	1	2
Net cash provided by (used for) financing activities	9,998	(1,171)
Increase (decrease) in cash and cash equivalents	5,105	(1,036)
Cash and cash equivalents at beginning of period	1,170	2,672
Cash and cash equivalents at end of period	6,275	1,636
Supplemental disclosures:
Interest paid	307	758
Income taxes paid	48	54
Non-cash activities
Loans transferred to held-for-sale from portfolio	839	744
Loans transferred to portfolio from held-for-sale	37	14
Transfer of loans to OREO	6	16
Transfer of securities from available-for-sale to held-to-maturity	$ 1,520	$ 0

BASIS OF PRESENTATION

BASIS OF PRESENTATION	9 Months Ended
	Sep. 30, 2020
Organization, Consolidation and Presentation of Financial Statements [Abstract]
BASIS OF PRESENTATION	BASIS OF PRESENTATION The accompanying Unaudited Condensed Consolidated Financial Statements of Huntington reflect all adjustments consisting of normal recurring accruals which are, in the opinion of Management, necessary for a fair statement of the consolidated financial position, the results of operations, and cash flows for the periods presented. These Unaudited Condensed Consolidated Financial Statements have been prepared according to the rules and regulations of the SEC and, therefore, certain information and footnote disclosures normally included in annual financial statements prepared in accordance with GAAP have been omitted. The Notes to Consolidated Financial Statements appearing in Huntington’s 2019 Form 10-K, which include descriptions of significant accounting policies, as updated by the information contained in this report, should be read in conjunction with these interim financial statements. For statement of cash flow purposes, cash and cash equivalents are defined as the sum of cash and due from banks and Interest-bearing deposits at Federal Reserve Bank. In conjunction with applicable accounting standards, all material subsequent events have been either recognized in the Unaudited Condensed Consolidated Financial Statements or disclosed in the Notes to Unaudited Condensed Consolidated Financial Statements. No subsequent events were disclosed for the current period.

ACCOUNTING STANDARDS UPDATE

ACCOUNTING STANDARDS UPDATE	9 Months Ended
	Sep. 30, 2020
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 2016-13 - 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 collectability 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. • Management adopted the guidance on January 1, 2020 through a cumulative-effect adjustment to retained earnings and implemented changes to relevant systems, processes, and controls where necessary. • The adoption of ASU 2016-13 on January 1, 2020 resulted in an increase to our total ACL of $393 million. This represented an increase of 44% from the 2019 year end ACL level of $887 million. For more detail on the day 1 adoption impacts, please refer to Note 5 - Allowance for Credit Losses. • The ASU eliminated 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. • Management adopted the amendments on January 1, 2020. • The ASU did not have a material impact on Huntington’s Unaudited Condensed Consolidated Financial Statements. Standard Summary of guidance Effects on 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. • Management adopted the amendments on January 1, 2020. • The ASU did not have a material impact on Huntington’s Unaudited Condensed 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. • Management adopted the amendments on January 1, 2020. • The ASU did not have a material impact on Huntington’s Unaudited Condensed Consolidated Financial Statements. Accounting standards yet to be adopted Standard Summary of guidance Effects on financial statements ASU 2019-12 - Income Taxes (Topic 740): Simplifying the Accounting for Income Taxes Issued: December 2019 • The ASU simplifies the accounting for income taxes by removing exceptions to the: a. Incremental approach for intra-period 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. • The ASU also simplifies various other aspects of the accounting for income taxes. • The ASU 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 ASU is not expected to have a material impact on Huntington’s Unaudited Condensed Consolidated Financial Statements. ASU 2020-04 - Reference Rate Reform (Topic 848): Facilitation of the Effects of Reference Rate Reform on Financial Reporting Issued: March 2020 • The ASU provides optional expedients and exceptions for applying U.S. GAAP to contracts, hedging relationships, and other transactions affected by reference rate reform if certain criteria are met, including the following: a. Modifications of contracts within the scope of Topics 310, Receivables, and 470, Debt, should be accounted for by prospectively adjusting the effective interest rate. b. Modifications of contracts within the scope of Topic 842, Leases, should be accounted for as a continuation of the existing contracts with no reassessments of the lease classification and the discount rate. c. Modifications of contracts do not require an entity to reassess its original conclusion about whether that contract contains an embedded derivative that is clearly and closely related to the economic characteristics and risks of the host contract under Topic 815. d. The ASU also provides optional expedients for various hedging relationships and do not require de-designation of hedging relationships if certain criteria are met. e. An entity may make a one time election to sell, transfer, or both sell and transfer debt securities classified as held to maturity that reference a rate affected by reference rate reform and that are classified as held to maturity before January 1, 2020. • The ASU is effective for all entities from the beginning of an interim period that includes or is subsequent to March 12, 2020 through December 31, 2022. • The ASU is not expected to have a material impact Huntington’s Unaudited Condensed Consolidated Financial Statements.

INVESTMENT SECURITIES AND OTHER

INVESTMENT SECURITIES AND OTHER SECURITIES	9 Months Ended
	Sep. 30, 2020
Investments, Debt and Equity Securities [Abstract]
INVESTMENT SECURITIES AND OTHER SECURITIES	INVESTMENT SECURITIES AND OTHER SECURITIES Debt securities purchased in which Huntington has the intent and ability to hold to their maturity are classified as held-to-maturity securities. All other debt and equity securities are classified as either available-for-sale or other securities. The following tables provide amortized cost, fair value, and gross unrealized gains and losses by investment category at September 30, 2020 and December 31, 2019: Unrealized (dollar amounts in millions) Amortized Cost Gross Gains Gross Losses Fair Value September 30, 2020 Available-for-sale securities: U.S. Treasury $ 5 $ — $ — $ 5 Federal agencies: Residential CMO 4,343 157 (2) 4,498 Residential MBS 5,669 98 (6) 5,761 Commercial MBS 787 22 (2) 807 Other agencies 112 2 — 114 Total U.S. Treasury, federal agency and other agency securities 10,916 279 (10) 11,185 Municipal securities 3,071 89 (16) 3,144 Private-label CMO 5 — — 5 Asset-backed securities 197 6 — 203 Corporate debt 267 — (1) 266 Other securities/Sovereign debt 4 — — 4 Total available-for-sale securities $ 14,460 $ 374 $ (27) $ 14,807 Held-to-maturity securities: Federal agencies: Residential CMO $ 1,959 $ 98 $ — $ 2,057 Residential MBS 2,926 102 — 3,028 Commercial MBS 3,413 199 — 3,612 Other agencies 256 14 — 270 Total federal agency and other agency securities 8,554 413 — 8,967 Municipal securities 3 — — 3 Total held-to-maturity securities $ 8,557 $ 413 $ — $ 8,970 Other securities, at cost: Non-marketable equity securities: Federal Home Loan Bank stock $ 64 $ — $ — $ 64 Federal Reserve Bank stock 299 — — 299 Other securities, at fair value Mutual funds 49 — — 49 Equity securities 9 — — 9 Total other securities $ 421 $ — $ — $ 421 Unrealized (dollar amounts in millions) Amortized Gross Gross 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 Equity securities 1 — — 1 Total other securities $ 441 $ — $ — $ 441 The following table provides the amortized cost and fair value of securities by contractual maturity at September 30, 2020 and December 31, 2019. Expected maturities may differ from contractual maturities as issuers may have the right to call or prepay obligations with or without incurring penalties. September 30, 2020 December 31, 2019 (dollar amounts in millions) Amortized Cost Fair Value Amortized Cost Fair Value Available-for-sale securities: Under 1 year $ 349 $ 345 $ 231 $ 229 After 1 year through 5 years 1,198 1,203 1,196 1,189 After 5 years through 10 years 1,522 1,562 1,594 1,606 After 10 years 11,391 11,697 11,042 11,125 Total available-for-sale securities $ 14,460 $ 14,807 $ 14,063 $ 14,149 Held-to-maturity securities: Under 1 year $ — $ — $ — $ — After 1 year through 5 years 137 145 17 17 After 5 years through 10 years 173 181 300 305 After 10 years 8,247 8,644 8,753 8,864 Total held-to-maturity securities $ 8,557 $ 8,970 $ 9,070 $ 9,186 The following tables provide detail on investment securities with unrealized losses aggregated by investment category and the length of time the individual securities have been in a continuous loss position at September 30, 2020 and December 31, 2019: Less than 12 Months Over 12 Months Total (dollar amounts in millions) Fair Gross Unrealized Fair Gross Unrealized Fair Gross Unrealized September 30, 2020 Available-for-sale securities: Federal agencies: Residential CMO $ 209 $ (2) $ — $ — $ 209 $ (2) Residential MBS 1,849 (6) — — 1,849 (6) Commercial MBS 27 (2) — — 27 (2) Other agencies — — — — — — Total federal agency and other agency securities 2,085 (10) — — 2,085 (10) Municipal securities 166 (3) 684 (13) 850 (16) Asset-backed securities 16 — — — 16 — Corporate debt 230 (1) — — 230 (1) Total temporarily impaired securities $ 2,497 $ (14) $ 684 $ (13) $ 3,181 $ (27) Held-to-maturity securities: Federal agencies: Residential CMO $ — $ — $ — $ — $ — $ — Residential MBS — — — — — — Commercial MBS — — — — — — Other agencies — — — — — — Total federal agency and other agency securities — — — — — — Municipal securities — — — — — — Total temporarily impaired securities $ — $ — $ — $ — $ — $ — 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) During the 2020 first quarter, Huntington transferred $1.5 billion of securities from the AFS portfolio to the HTM portfolio. At the time of the transfer, AOCI included $22 million of unrealized gains attributed to these securities. This gain will be amortized into interest income over the remaining life of the securities. At September 30, 2020 and December 31, 2019, the carrying value of investment securities pledged to secure public and trust deposits, trading account liabilities, U.S. Treasury demand notes, security repurchase agreements and to support borrowing capacity totaled $16.8 billion and $3.8 billion, respectively. There were no securities of a single issuer, which were not governmental or government-sponsored, that exceeded 10% of shareholders’ equity at either September 30, 2020 or December 31, 2019. At September 30, 2020, all HTM debt securities are considered AAA rated. In addition, there were no HTM debt securities considered past due at September 30, 2020. Securities Impairment Based on an evaluation of available information about past events, current conditions, and reasonable and supportable forecasts that are relevant to collectability, Huntington has concluded that it expects to receive all contractual cash flows from each security held in its AFS and HTM debt securities portfolio. As such, no allowance is recorded with respect to securities as of September 30, 2020.

LOANS _ LEASES

LOANS / LEASES	9 Months Ended
	Sep. 30, 2020
Receivables [Abstract]
LOANS / LEASES	LOANS / LEASES 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 Unaudited Condensed 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 $454 million and $525 million at September 30, 2020 and December 31, 2019, respectively. Loan and Lease Portfolio Composition The following table provides a detailed listing of Huntington’s loan and lease portfolio at September 30, 2020 and December 31, 2019. (dollar amounts in millions) September 30, 2020 December 31, 2019 Loans and leases: Commercial and industrial $ 34,895 $ 30,664 Commercial real estate 7,209 6,674 Automobile 12,925 12,797 Home equity 8,904 9,093 Residential mortgage 12,031 11,376 RV and marine 4,146 3,563 Other consumer 1,046 1,237 Loans and leases $ 81,156 $ 75,404 Allowance for loan and lease losses (1,796) (783) Net loans and leases $ 79,360 $ 74,621 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. Huntington assesses net investments in leases (including residual values) for impairment and recognizes any impairment losses in accordance with the impairment guidance for financial instruments. As such, net investments in leases may be reduced by an allowance for credit losses, with changes recognized as provision expense. The following table presents net investments in lease financing receivables by category at September 30, 2020 and December 31, 2019. (dollar amounts in millions) September 30, December 31, Commercial and industrial: Lease payments receivable $ 1,751 $ 1,841 Estimated residual value of leased assets 687 728 Gross investment in commercial and industrial lease financing receivables 2,438 2,569 Deferred origination costs 21 19 Deferred fees (203) (249) Total net investment in commercial and industrial lease financing receivables $ 2,256 $ 2,339 The carrying value of residual values guaranteed was $97 million and $95 million as of September 30, 2020 and December 31, 2019, respectively. The future lease rental payments due from customers on sales-type and direct financing leases at September 30, 2020, totaled $1.8 billion and were due as follows: $0.6 billion in 2021, $0.5 billion in 2022, $0.3 billion in 2023, $0.2 billion in 2024, $0.1 billion in 2025, and $0.1 billion thereafter. Interest income recognized for these types of leases was $26 million and $28 million for the three-month periods ended September 30, 2020 and 2019, respectively. For the nine-month periods ended September 30, 2020 and 2019, interest income recognized was $81 million and $81 million, respectively. 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. See Note 1 “Significant Accounting Policies” to the Consolidated Financial Statements of the Annual Report on Form 10-K for the year ended December 31, 2019 for a description of the accounting policies related to the NALs. The following table presents NALs by loan class at September 30, 2020 and December 31, 2019 (1): September 30, 2020 December 31, 2019 (dollar amounts in millions) Nonaccrual loans with no ACL Total nonaccrual loans Nonaccrual loans with no ACL Total nonaccrual loans Commercial and industrial $ 65 $ 388 $ 109 $ 323 Commercial real estate 9 16 2 10 Automobile — 5 — 4 Home equity — 71 — 59 Residential mortgage — 88 — 71 RV and marine — 1 — 1 Other consumer — — — — Total nonaccrual loans $ 74 $ 569 $ 111 $ 468 (1) Generally excludes loans that were under payment deferral or granted other assistance, including amendments or waivers of financial covenants in response to the COVID-19 pandemic. The following table presents an aging analysis of loans and leases, including past due loans and leases, by loan class at September 30, 2020 and December 31, 2019: September 30, 2020 Past Due (1)(2) Loans Accounted for Under FVO Total Loans 90 or (dollar amounts in millions) 30-59 60-89 90 or Total Current Commercial and industrial $ 54 $ 21 $ 113 $ 188 $ 34,707 $ — $ 34,895 $ 10 (3) Commercial real estate 6 3 12 21 7,188 — 7,209 — Automobile 61 20 12 93 12,832 — 12,925 8 Home equity 23 11 58 92 8,811 1 8,904 11 Residential mortgage 104 32 202 338 11,602 91 12,031 142 (4) RV and marine 11 3 3 17 4,129 — 4,146 2 Other consumer 8 3 2 13 1,033 — 1,046 2 Total loans and leases $ 267 $ 93 $ 402 $ 762 $ 80,302 $ 92 $ 81,156 $ 175 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 (3) 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 (4) 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 (1) NALs are included in this aging analysis based on the loan’s past due status. (2) At September 30, 2020, the principal balance of loans in payment deferral programs offered in response to the COVID-19 pandemic which are performing according to their modified terms are generally not considered delinquent. (3) Amounts include Huntington Technology Finance administrative lease delinquencies. (4) Amounts include mortgage loans insured by U.S. government agencies. Credit Quality Indicators See Note 3 “Loans / Leases and Allowance for Credit Losses” to the Consolidated Financial Statements of the Annual Report on Form 10-K for the year ended December 31, 2019 for a description of the credit quality indicators Huntington utilizes for monitoring credit quality and for determining an appropriate ACL level. 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 portfolio, loans are assigned pool level PD factors based on the FICO range within which the borrower’s credit bureau score falls. A credit bureau score is a credit score developed by FICO based on data provided by the credit bureaus. The credit bureau score is widely accepted as the standard measure of consumer credit risk used by lenders, regulators, rating agencies, and consumers. The higher the credit bureau score, the higher likelihood of repayment and therefore, an indicator of higher credit quality. Huntington assesses the risk in the loan portfolio by utilizing numerous risk characteristics. The classifications described above, and also presented in the table below, represent one of those characteristics that are closely monitored in the overall credit risk management processes. The following table presents each loan and lease class by vintage and credit quality indicator at September 30, 2020: As of September 30, 2020 Term Loans Amortized Cost Basis by Origination Year Revolver Total at Amortized Cost Basis Revolver Total Converted to Term Loans (dollar amounts in millions) 2020 2019 2018 2017 2016 Prior Total (3) Commercial and industrial Credit Quality Indicator (1): Pass $ 12,017 $ 5,057 $ 3,019 $ 1,621 $ 1,106 $ 1,084 $ 8,408 $ 2 $ 32,314 OLEM 362 134 120 35 42 22 212 — 927 Substandard 296 171 167 215 90 182 525 — 1,646 Doubtful 2 — 5 — — 1 — — 8 Total Commercial and industrial $ 12,677 $ 5,362 $ 3,311 $ 1,871 $ 1,238 $ 1,289 $ 9,145 $ 2 $ 34,895 Commercial real estate Credit Quality Indicator (1): Pass $ 1,366 $ 1,629 $ 1,203 $ 566 $ 601 $ 635 $ 675 $ — $ 6,675 OLEM 61 74 73 56 20 23 1 — 308 Substandard 21 48 13 40 44 20 38 — 224 Doubtful — — — — — 2 — — 2 Total Commercial real estate $ 1,448 $ 1,751 $ 1,289 $ 662 $ 665 $ 680 $ 714 $ — $ 7,209 Automobile Credit Quality Indicator (2): 750+ $ 2,145 $ 2,185 $ 1,293 $ 880 $ 406 $ 126 $ — $ — $ 7,035 650-749 1,528 1,546 878 465 224 78 — — 4,719 <650 224 334 274 183 104 52 — — 1,171 Total Automobile $ 3,897 $ 4,065 $ 2,445 $ 1,528 $ 734 $ 256 $ — $ — $ 12,925 Home equity Credit Quality Indicator (2): 750+ $ 502 $ 29 $ 31 $ 36 $ 97 $ 498 $ 4,493 $ 192 $ 5,878 650-749 96 12 8 12 31 181 2,006 186 2,532 <650 — 1 1 1 7 76 304 103 493 Total Home equity $ 598 $ 42 $ 40 $ 49 $ 135 $ 755 $ 6,803 $ 481 $ 8,903 Residential mortgage Credit Quality Indicator (2): 750+ $ 2,416 $ 1,545 $ 1,060 $ 1,229 $ 862 $ 1,429 $ — $ — $ 8,541 650-749 758 516 363 313 194 526 — — 2,670 <650 25 74 101 102 73 354 — — 729 Total Residential mortgage $ 3,199 $ 2,135 $ 1,524 $ 1,644 $ 1,129 $ 2,309 $ — $ — $ 11,940 RV and marine Credit Quality Indicator (2): 750+ $ 988 $ 557 $ 629 $ 360 $ 163 $ 270 $ — $ — $ 2,967 650-749 264 231 217 147 69 141 — — 1,069 <650 4 15 23 23 12 33 — — 110 Total RV and marine $ 1,256 $ 803 $ 869 $ 530 $ 244 $ 444 $ — $ — $ 4,146 Other consumer Credit Quality Indicator (2): 750+ $ 71 $ 64 $ 28 $ 8 $ 4 $ 10 $ 324 $ 2 $ 511 650-749 29 64 21 7 2 5 300 31 459 <650 1 9 3 1 1 2 28 31 76 Total Other consumer $ 101 $ 137 $ 52 $ 16 $ 7 $ 17 $ 652 $ 64 $ 1,046 (1) Consistent with the credit quality disclosures, indicators for the Commercial portfolio are based on internally defined categories of credit grades which are generally refreshed at least semi-annually. (2) Consistent with the credit quality disclosures, indicators for the Consumer portfolio are based on updated customer credit scores refreshed at least quarterly. (3) The total amount of accrued interest recorded for these loans at September 30, 2020, presented in other assets within the Condensed Consolidated Balance Sheet s, was $132 million and $125 million of commercial and consumer, respectively. The following table presents each loan and lease class by credit quality indicator at December 31, 2019. December 31, 2019 (dollar amounts in millions) Credit Risk Profile by UCS Classification Commercial 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) Consumer 750+ 650-749 <650 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 (1) Excludes loans accounted for under the fair value option. (2) Reflects updated customer credit scores. Collateral-dependent Loans Certain commercial and consumer loans for which repayment is expected to be provided substantially through the operation or sale of the loan collateral are considered to be collateral-dependent. Commercial collateral-dependent loans are generally secured by business assets and/or commercial real estate. Consumer collateral-dependent loans are primarily secured by residential real estate. TDR Loans TDRs are modified loans where a concession was provided to a borrower experiencing financial difficulties. Loan modifications are considered TDRs when the concessions provided would not otherwise be considered. However, not all loan modifications are TDRs. See Note 3 “Loans / Leases and Allowance for Credit Losses” to the Consolidated Financial Statements of the Annual Report on Form 10-K for the year ended December 31, 2019 for an additional discussion of TDRs. On March 22, 2020 and April 7, 2020, the federal bank regulatory agencies including the FRB and OCC released statements encouraging financial institutions to work prudently with borrowers that may be unable to meet their contractual obligations because of the effects of COVID-19. The statements go on to explain that, in consultation with the FASB staff, the federal bank regulatory agencies concluded that short-term modifications (e.g. six months) made on a good faith basis to borrowers who were current as of the implementation date of a relief program are not TDRs. Section 4013 of the CARES Act further addresses COVID-19 related modifications and specifies that COVID-19 related modifications on loans that were current as of December 31, 2019 are not TDRs. For COVID-19 related loan modifications which occurred from March 1, 2020 through September 30, 2020, and met the loan modification criteria under the CARES Act, Huntington elected to suspend TDR accounting for such loan modifications. For loan modifications not eligible for the CARES Act, Huntington applied the interagency regulatory guidance that was clarified on April 7, 2020. Accordingly, insignificant concessions (related to the current COVID-19 crisis) granted through payment deferrals, fee waivers, or other short-term modifications (generally 6 months or less) and provided to borrowers less than 30 days past due at March 17, 2020 were not deemed to be TDRs. Therefore, modified loans that met the required guidelines for relief are excluded from the TDR disclosures below. The following table presents, by class and modification type, the number of contracts, post-modification outstanding balance, and the financial effects of the modification for the three-month and nine-month periods ended September 30, 2020 and 2019. New Troubled Debt Restructurings (1) Three Months Ended September 30, 2020 Number of Post-modification Outstanding Recorded Investment (2) (dollar amounts in millions) Interest rate reduction Amortization or maturity date change Chapter 7 bankruptcy Other Total Commercial and industrial 39 $ — $ 28 $ — $ — $ 28 Commercial real estate 2 — — — — — Automobile 726 — 5 2 — 7 Home equity 90 — 2 3 1 6 Residential mortgage 242 — 40 2 — 42 RV and marine 30 — 1 — — 1 Other consumer 122 1 — — — 1 Total new TDRs 1,251 $ 1 $ 76 $ 7 $ 1 $ 85 Three Months Ended September 30, 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 119 $ — $ 39 $ — $ — $ 39 Commercial real estate 7 — 1 — — 1 Automobile 833 — 5 2 — 7 Home equity 76 — 2 3 — 5 Residential mortgage 69 — 9 — — 9 RV and marine 46 — 1 — — 1 Other consumer 385 2 — — — 2 Total new TDRs 1,535 $ 2 $ 57 $ 5 $ — $ 64 New Troubled Debt Restructurings (1) Nine Months Ended September 30, 2020 Number of Post-modification Outstanding Recorded Investment (2) (dollar amounts in millions) Interest rate reduction Amortization or maturity date change Chapter 7 bankruptcy Other Total Commercial and industrial 277 $ — $ 116 $ — $ 58 $ 174 Commercial real estate 11 — 3 — — 3 Automobile 2,582 — 26 5 — 31 Home equity 216 — 5 6 2 13 Residential mortgage 448 — 62 5 — 67 RV and marine finance 126 — 4 — — 4 Other consumer 513 3 — — — 3 Total new TDRs 4,173 $ 3 $ 216 $ 16 $ 60 $ 295 Nine Months Ended September 30, 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 335 $ — $ 114 $ — $ — $ 114 Commercial real estate 21 — 12 — — 12 Automobile 2,227 — 14 6 — 20 Home equity 248 — 7 6 — 13 Residential mortgage 241 — 27 1 — 28 RV and marine finance 113 — 1 1 — 2 Other consumer 972 6 — — — 6 Total new TDRs 4,157 $ 6 $ 175 $ 14 $ — $ 195 (1) TDRs may include multiple concessions and the disclosure classifications are based on the primary concession provided to the borrower. (2) Post-modification balances approximate pre-modification balances. The financial effects of modification on the provision (recovery) for loan and lease losses for the three-month periods ended September 30, 2020 and 2019, were $1 million and $1 million respectively. For the nine-month periods ended September 30, 2020 and 2019, the financial effects of modification were $6 million and $(1) million, respectively. Pledged Loans and Leases The Bank has access to the Federal Reserve’s discount window and advances from the FHLB. As of September 30, 2020 and December 31, 2019, these borrowings and advances are secured by $43.4 billion and $39.6 billion, respectively, of loans.

ALLOWANCE FOR CREDIT LOSSES

ALLOWANCE FOR CREDIT LOSSES	9 Months Ended
	Sep. 30, 2020
Credit Loss [Abstract]
Allowance for Credit Losses	ALLOWANCE FOR CREDIT LOSSES On January 1, 2020, Huntington adopted ASU 2016-13 Financial Instruments - Credit Losses (ASC Topic 326): Measurement of Credit Losses on Financial Instruments, which replaced the incurred loss methodology with an expected loss methodology that is referred to as the current expected credit loss (“CECL”) methodology. The measurement of expected credit losses under CECL is applicable to financial assets measured at amortized cost, including loan receivables and held-to-maturity debt securities. It also applies to off-balance sheet exposures not accounted for as insurance and net investments in leases accounted for under ASC Topic 842. Additionally, ASC Topic 326 made changes to the accounting for AFS debt securities, including a requirement to present credit losses as an allowance rather than as a write-down on AFS debt securities that management does not intend to sell, or believes will not be required to sell. Huntington adopted ASC Topic 326 using the modified retrospective method for all financial assets in scope of the standard. Results for reporting periods beginning after January 1, 2020 are presented under ASC Topic 326, while prior period amounts continue to be reported in accordance with previously applicable GAAP. Upon adoption, Huntington recorded an increase to the ACL of $393 million and a corresponding decrease to retained earnings of approximately $306 million, net of tax of $87 million. The overall increase to the ACL at adoption is comprised of a $180 million increase in the commercial ALLL, a $211 million increase in the consumer ALLL, and a $2 million increase to the AULC. The allowance for credit losses is deducted from the amortized cost basis of a financial asset or a group of financial assets so that the balance sheet reflects the net amount Huntington expects to collect. Amortized cost is the principal balance outstanding, net of purchase premiums and discounts, fair value hedge accounting adjustments, and deferred fees and costs. Subsequent changes (favorable and unfavorable) in expected credit losses are recognized immediately in net income as a credit loss expense or a reversal of credit loss expense. Management estimates the allowance by projecting probability-of-default, loss-given-default and exposure-at-default depending on economic parameters for each month of the remaining contractual term. Those economic parameters are developed using available information relating to past events, current conditions, and reasonable and supportable forecasts. Huntington’s reasonable and supportable forecast period reverts to a historical norm based on inputs within approximately two to three years. The reversion period is dependent on the state of the economy at the beginning of the forecast. Historical credit experience provides the basis for the estimation of expected credit losses, with adjustments made for differences in current loan-specific risk characteristics such as differences in underwriting standards, portfolio mix, delinquency levels and terms, as well as for changes in the micro- and macro-economic environments. The contractual terms of financial assets are adjusted for expected prepayments and any extensions outside of Huntington’s control. Loans that are determined to have unique risk characteristics are evaluated on an individual basis by management. If a loan is determined to be collateral dependent, or meets the criteria to apply the collateral dependent practical expedient, expected credit losses are determined based on the fair value of the collateral at the reporting date, less costs to sell as appropriate. Loans with unique risk characteristics that are not subject to collateral dependent accounting, are assessed using a discounted cash flows methodology. The allowance for credit losses is measured on a collective (pool) basis when similar risk characteristics exist. Management believes the products within each of the entity’s portfolio classes exhibit similar risk characteristics. Huntington has identified its portfolio classes as disclosed above. Allowance for Credit Losses - HTM Securities Nearly all of Huntington’s HTM debt securities are issued by U.S. government entities and agencies. These securities are either explicitly or implicitly guaranteed by the U.S. government, are highly rated by major rating agencies, and have a long history of no credit losses. As such, there is currently zero loss expectation for this portfolio. Allowance for Credit Losses - AFS Securities For individual debt securities classified as AFS, Huntington assesses whether a decline in fair value below the amortized cost basis has resulted from a credit loss or other factors. Any impairment relating to credit losses would be recognized through an allowance for credit losses. At September 30, 2020, it was determined that no allowance was required. Any impairment due to factors other than a credit loss, such as changes in market interest rates, is recognized in other comprehensive income, net of applicable taxes. Impairment is determined on an individual security basis. Therefore, an AFS debt security cannot be combined with other securities to determine whether the collective securities are impaired. Allowance for Loan and Lease Losses and Allowance for Credit Losses - Roll-forward The following table presents ALLL and AULC activity by portfolio segment for the three-month and nine-month periods ended September 30, 2020 and 2019. (dollar amounts in millions) Commercial Consumer Total Three-month period ended September 30, 2020: ALLL balance, beginning of period $ 1,169 $ 533 $ 1,702 Loan charge-offs (101) (40) (141) Recoveries of loans previously charged-off 12 16 28 Provision for loan and lease losses 183 24 207 ALLL balance, end of period $ 1,263 $ 533 $ 1,796 AULC balance, beginning of period $ 81 $ 38 $ 119 Provision (reduction in allowance) for unfunded loan commitments and letters of credit (27) (3) (30) Unfunded commitment losses (7) — (7) AULC balance, end of period $ 47 $ 35 $ 82 ACL balance, end of period $ 1,310 $ 568 $ 1,878 Nine-month period ended September 30, 2020: ALLL balance, beginning of period $ 552 $ 231 $ 783 Cumulative-effect of change in accounting principle for financial instruments - credit losses (1) 180 211 391 Loan charge-offs (272) (128) (400) Recoveries of loans previously charged-off 20 43 63 Provision for loan and lease losses 783 176 959 ALLL balance, end of period $ 1,263 $ 533 $ 1,796 AULC balance, beginning of period $ 102 $ 2 $ 104 Cumulative-effect of change in accounting principle for financial instruments - credit losses (1) (38) 40 2 Provision (reduction in allowance) for unfunded loan commitments and letters of credit (7) (7) (14) Unfunded commitment losses (10) — (10) AULC balance, end of period $ 47 $ 35 $ 82 ACL balance, end of period $ 1,310 $ 568 $ 1,878 (1) Relates to day one impact of the CECL adjustment as a result of the implementation of ASU 2016-13. (dollar amounts in millions) Commercial Consumer Total Three-month period ended September 30, 2019: ALLL balance, beginning of period $ 560 $ 214 $ 774 Loan charge-offs (53) (49) (102) Recoveries of loans previously charged-off 15 14 29 Provision for loan and lease losses 39 43 82 ALLL balance, end of period $ 561 $ 222 $ 783 AULC balance, beginning of period $ 99 $ 2 $ 101 Provision (reduction in allowance) for unfunded loan commitments and letters of credit — — — AULC balance, end of period $ 99 $ 2 $ 101 ACL balance, end of period $ 660 $ 224 $ 884 Nine-month period ended September 30, 2019: ALLL balance, beginning of period $ 542 $ 230 $ 772 Loan charge-offs (124) (145) (269) Recoveries of loans previously charged-off 35 42 77 Provision for loan and lease losses 108 95 203 ALLL balance, end of period $ 561 $ 222 $ 783 AULC balance, beginning of period $ 94 $ 2 $ 96 Provision (reduction in allowance) for unfunded loan commitments and letters of credit 5 — 5 AULC balance, end of period $ 99 $ 2 $ 101 ACL balance, end of period $ 660 $ 224 $ 884 At September 30, 2020, the ACL was $1.9 billion, an increase of $991 million from the December 31, 2019 balance of $887 million. Of the increase, $598 million relates primarily to the deterioration in the macroeconomic outlook resulting from the COVID-19 pandemic and increased reserves related to oil and gas, with the remaining $393 million related to transition to the CECL lifetime loss methodology. The majority of the increase was related to the commercial portfolio. Huntington has elected to exclude accrued interest receivable from the measurement of its ACL given the well-defined non-accrual policies in place for all loan portfolios which results in timely reversal of outstanding interest through interest income. For certain loans on active deferral related to COVID-19, the collection of interest may be delayed for an extended period of time. The accrued interest on these active deferral loans is contemplated in establishing the ACL.

MORTGAGE LOAN SALES AND SERVICI

MORTGAGE LOAN SALES AND SERVICING RIGHTS	9 Months Ended
	Sep. 30, 2020
Transfers and Servicing [Abstract]
LOAN SALES AND SECURITIZATIONS	MORTGAGE LOAN SALES AND SERVICING RIGHTS Residential Mortgage Portfolio The following table summarizes activity relating to residential mortgage loans sold with servicing retained for the three-month and nine-month periods ended September 30, 2020 and 2019: Three Months Ended Nine Months Ended (dollar amounts in millions) 2020 2019 2020 2019 Residential mortgage loans sold with servicing retained $ 2,391 $ 1,238 $ 6,106 $ 3,025 Pretax gains resulting from above loan sales (1) 98 26 196 61 (1) Recorded in mortgage banking income On January 1, 2020, Huntington made an irrevocable election to subsequently measure all classes of residential MSRs at fair value in order to eliminate any potential measurement mismatch between our economic hedges and the MSRs. The impact of the irrevocable election was not material. The following table summarizes the changes in MSRs recorded using the fair value method for the three-month and nine-month periods ended September 30, 2020 and 2019 (1): Three Months Ended Nine Months Ended (dollar amounts in millions) 2020 2019 (1) 2020 2019 (1) Fair value, beginning of period $ 172 $ 9 $ 7 $ 10 Fair value election for servicing assets previously measured using the amortized method — — 205 — New servicing assets created 30 — 70 — Change in fair value during the period due to: Time decay (2) (2) — (6) — Payoffs (3) (13) — (29) — Changes in valuation inputs or assumptions (4) 4 (1) (56) (2) Fair value, end of period $ 191 $ 8 $ 191 $ 8 Weighted-average life (years) 6.4 6.2 6.4 6.2 (1) Prior to January 1, 2020, substantially all of Huntington’s MSR assets were recorded at amortized cost. (2) Represents decrease in value due to passage of time, including the impact from both regularly scheduled loan principal payments and partial loan paydowns. (3) Represents decrease in value associated with loans that paid off during the period. (4) Represents change in value resulting primarily from market-driven changes in interest rates and prepayment speeds. 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 fair value method, a summary of key assumptions and the sensitivity of the MSR value to changes in these assumptions at September 30, 2020, and December 31, 2019 follows: September 30, 2020 December 31, 2019 (1) Decline in fair value due to Decline in fair value due to (dollar amounts in millions) Actual 10% 20% Actual 10% 20% Constant prepayment rate (annualized) 15.62 % $ (9) $ (18) 8.21 % $ — $ — Spread over forward interest rate swap rates 798 bps (5) (11) 824 bps — — (1) Prior to January 1, 2020, substantially all of Huntington’s MSR assets were recorded at amortized cost. Total servicing, late fees and other ancillary fees included in mortgage banking income was $16 million for both the three-month periods ended September 30, 2020 and 2019. For both the nine-month periods ended September 30, 2020 and 2019, total servicing, late fees and other ancillary fees included in mortgage banking income was $47 million. The unpaid principal balance of residential mortgage loans serviced for third parties was $23.3 billion and $22.4 billion at September 30, 2020 and December 31, 2019, respectively.

LONG-TERM DEBT

LONG-TERM DEBT	9 Months Ended
	Sep. 30, 2020
Debt Disclosure [Abstract]
LONG-TERM DEBT	LONG-TERM DEBT In January 2020, the Bank issued $500 million of senior notes at 99.916% of face value. The senior notes mature on February 3, 2023 and have a fixed coupon rate of 1.80%. The senior notes may be redeemed one month prior to the maturity date at 100% of principal plus accrued and unpaid interest. In January 2020, Huntington issued $750 million of senior notes at 99.597% of face value. The senior notes mature on February 4, 2030 and have a fixed coupon rate of 2.55%. The senior notes may be redeemed three months prior to the maturity date at 100% of principal plus accrued and unpaid interest.

OTHER COMPREHENSIVE INCOME

OTHER COMPREHENSIVE INCOME	9 Months Ended
	Sep. 30, 2020
Equity [Abstract]
OTHER COMPREHENSIVE INCOME	OTHER COMPREHENSIVE INCOME The components of Huntington’s OCI for the three-month and nine-month periods ended September 30, 2020 and 2019, were as follows: Three Months Ended Tax (expense) (dollar amounts in millions) Pretax Benefit After-tax Unrealized gains (losses) on available-for-sale securities arising during the period $ — $ — $ — Less: Reclassification adjustment for realized net losses (gains) included in net income 6 (1) 5 Net change in unrealized holding gains (losses) on available-for-sale securities 6 (1) 5 Net change in fair value on cash flow hedges (52) 12 (40) Net change in pension and other post-retirement obligations 3 (1) 2 Total other comprehensive income (loss) $ (43) $ 10 $ (33) Three Months Ended Tax (expense) (dollar amounts in millions) Pretax Benefit After-tax Unrealized gains (losses) on available-for-sale securities arising during the period $ 81 $ (18) $ 63 Less: Reclassification adjustment for realized net losses (gains) included in net income 8 (2) 6 Net change in unrealized gains (losses) on available-for-sale securities 89 (20) 69 Net change in fair value on cash flow hedges 36 (8) 28 Net change in pension and other post-retirement obligations 1 — 1 Total other comprehensive income (loss) $ 126 $ (28) $ 98 Nine Months Ended Tax (expense) (dollar amounts in millions) Pretax Benefit After-tax Unrealized gains (losses) on available-for-sale securities arising during the period $ 274 $ (61) $ 213 Less: Reclassification adjustment for realized net losses (gains) included in net income 35 (8) 27 Net change in unrealized holding gains (losses) on available-for-sale securities 309 (69) 240 Net change in fair value on cash flow hedges 358 (79) 279 Net change in pension and other post-retirement obligations (1) (8) 2 (6) Total other comprehensive income (loss) $ 659 $ (146) $ 513 (1) Includes a settlement gain recognized in other noninterest income on the Unaudited Condensed Consolidated Statements of Income. Nine Months Ended Tax (expense) (dollar amounts in millions) Pretax Benefit After-tax Unrealized gains (losses) on available-for-sale securities arising during the period $ 428 $ (95) $ 333 Less: Reclassification adjustment for realized net losses (gains) included in net income 21 (5) 16 Net change in unrealized holding gains (losses) on available-for-sale securities 449 (100) 349 Net change in fair value on cash flow hedges 104 (22) 82 Net change in pension and other post-retirement obligations 3 — 3 Total other comprehensive income (loss) $ 556 $ (122) $ 434 Activity in accumulated OCI for the three-month and nine-month periods ended September 30, 2020 and 2019, 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 (2) Total Three Months Ended September 30, 2020 Balance, beginning of period $ 207 $ 342 $ (259) $ 290 Other comprehensive income before reclassifications — (40) — (40) Amounts reclassified from accumulated OCI to earnings 5 — 2 7 Period change 5 (40) 2 (33) Balance, end of period $ 212 $ 302 $ (257) $ 257 Three Months Ended September 30, 2019 Balance, beginning of period $ (83) $ 54 $ (244) $ (273) Other comprehensive income before reclassifications 63 28 — 91 Amounts reclassified from accumulated OCI to earnings 6 — 1 7 Period change 69 28 1 98 Balance, end of period $ (14) $ 82 $ (243) $ (175) (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 (2) Total Nine Months Ended September 30, 2020 Balance, beginning of period $ (28) $ 23 $ (251) $ (256) Other comprehensive income before reclassifications 213 279 — 492 Amounts reclassified from accumulated OCI to earnings 27 — (6) 21 Period change 240 279 (6) 513 Balance, end of period $ 212 $ 302 $ (257) $ 257 Nine Months Ended September 30, 2019 Balance, beginning of period $ (363) $ — $ (246) $ (609) Other comprehensive income before reclassifications 333 82 — 415 Amounts reclassified from accumulated OCI to earnings 16 — 3 19 Period change 349 82 3 434 Balance, end of period $ (14) $ 82 $ (243) $ (175) (1) AOCI amounts at September 30, 2020, June 30, 2020 and September 30, 2019 include $74 million, $81 million and $126 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. (2) Amounts for the nine months ended September 30, 2020 include a settlement gain recognized in other noninterest income on the Unaudited Condensed Consolidated Statements of Income.

SHAREHOLDERS' EQUITY

SHAREHOLDERS' EQUITY	9 Months Ended
	Sep. 30, 2020
Equity [Abstract]
SHAREHOLDERS' EQUITY	SHAREHOLDERS’ EQUITY The following is a summary of Huntington’s non-cumulative, non-voting, perpetual preferred stock outstanding as of September 30, 2020. (dollar amounts in millions) 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 % 4/15/2021 Series D 5/5/2016 200,000 199 6.25 % 4/15/2021 Series C 8/16/2016 100,000 100 5.875 % 10/15/2021 Series E 2/27/2018 5,000 495 5.700 % 4/15/2023 Series F 5/27/2020 5,000 494 5.625 % 7/15/2030 Series G 8/3/2020 5,000 494 4.450 % 10/15/2027 Total 750,500 $ 2,191 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, F, and G 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. Preferred F Stock issued and outstanding During the 2020 second quarter, Huntington issued $500 million of preferred stock. Huntington issued 500,000 depositary shares, each depositary shares representing a 1/100th ownership interest in a share of 5.625% Series F Non-Cumulative Perpetual Preferred Stock (Series F Preferred Stock), par value $0.01 per share, with a liquidation preference of $100,000 per share (equivalent to $1,000 per depositary share). Each holder of a depositary share will be entitled to all proportional rights and preferences of the Series F Preferred Stock (including dividend, voting, redemption, and liquidation rights). Costs of $6 million related to the issuance of the Series F Preferred Stock are reported as a direct deduction from the face amount of the stock. Dividends on the Series F Preferred Stock will be non-cumulative and payable quarterly in arrears, when, as and if authorized by the Company's board of directors or a duly authorized committee of the board and declared by the Company, at an annual rate of 5.625% per year on the liquidation preference of $100,000 per share, equivalent to $1,000 per depositary share. The dividend payment dates will be the fifteenth day of each January, April, July and October, commencing on October 15, 2020. The Series F Preferred Stock is perpetual and has no maturity date. Huntington may redeem the Series F Preferred Stock at its option, (i) in whole or in part, from time to time, on any dividend payment date on or after July 15, 2030 or (ii) in whole but not in part, within 90 days following a change in laws or regulations, in each case, at a redemption price equal to $100,000 per share (equivalent to $1,000 per depositary share), plus any declared and unpaid dividends, without regard to any undeclared dividends, on the Series F Preferred Stock prior to the date fixed for redemption. If Huntington redeems the Series F Preferred Stock, the depositary will redeem a proportional number of depositary shares. Neither the holders of Series Preferred F Stock nor holders of depositary shares will have the right to require the redemption or repurchase of the Series F Preferred Stock or the depositary shares. Preferred G Stock issued and outstanding During the 2020 third quarter, Huntington issued $500 million of preferred stock. Huntington issued 500,000 depositary shares, each depositary shares representing a 1/100th ownership interest in a share of 4.450% Series G Non-Cumulative Perpetual Preferred Stock (Series G Preferred Stock), par value $0.01 per share, with a liquidation preference of $100,000 per share (equivalent to $1,000 per depositary share). Each holder of a depositary share will be entitled to all proportional rights and preferences of the Series G Preferred Stock (including dividend, voting, redemption, and liquidation rights). Costs of $6 million related to the issuance of the Series G Preferred Stock are reported as a direct deduction from the face amount of the stock.

EARNINGS PER SHARE

EARNINGS PER SHARE	9 Months Ended
	Sep. 30, 2020
Earnings Per Share [Abstract]
EARNINGS PER SHARE	EARNINGS PER SHARE Basic earnings per share is the amount of earnings (adjusted for dividends declared on preferred stock) available to each share of common stock outstanding during the reporting period. Diluted earnings per share is the amount of earnings available to each share of common stock outstanding during the reporting period adjusted to include the effect of potentially dilutive common shares. Potentially dilutive common shares include incremental shares issued for stock options, restricted stock units and awards, and distributions from deferred compensation plans. Potentially dilutive common shares are excluded from the computation of diluted earnings per share in periods in which the effect would be antidilutive. The calculation of basic and diluted earnings per share for the three-month and nine-month periods ended September 30, 2020 and 2019 was as follows: Three Months Ended Nine Months Ended (dollar amounts in millions, except per share data, share count in thousands) 2020 2019 2020 2019 Basic earnings per common share: Net income $ 303 $ 372 $ 501 $ 1,094 Preferred stock dividends (28) (18) (65) (55) Net income available to common shareholders $ 275 $ 354 $ 436 $ 1,039 Average common shares issued and outstanding 1,017,253 1,034,940 1,017,052 1,042,246 Basic earnings per common share $ 0.27 $ 0.34 $ 0.43 $ 1.00 Diluted earnings per common share: Dilutive potential common shares: Stock options and restricted stock units and awards 9,005 11,930 9,628 12,681 Shares held in deferred compensation plans 5,202 4,403 4,893 4,137 Dilutive potential common shares 14,207 16,333 14,521 16,818 Total diluted average common shares issued and outstanding 1,031,460 1,051,273 1,031,573 1,059,064 Diluted earnings per common share $ 0.27 $ 0.34 $ 0.42 $ 0.98 Anti-dilutive awards (1) 13,954 6,253 12,420 4,900 (1) Reflects the total number of shares related to outstanding options that have been excluded from the computation of diluted earnings per share because the impact would have been anti-dilutive.

NONINTEREST INCOME

NONINTEREST INCOME	9 Months Ended
	Sep. 30, 2020
Revenue from Contract with Customer [Abstract]
NONINTEREST INCOME	NONINTEREST INCOME Huntington earns a variety of revenue including interest and fees from customers as well as revenues from non-customers. Certain sources of revenue are recognized within interest or fee income and are outside of the scope of ASC Topic 606, Revenue from Contracts with Customers (“ASC 606”). Other sources of revenue fall within the scope of ASC 606 and are generally recognized within noninterest income. These revenues are included within various sections of the Unaudited Condensed Consolidated Financial Statements. The following table shows Huntington’s total noninterest income segregated between contracts with customers within the scope of ASC 606 and those within the scope of other GAAP Topics. (dollar amounts in millions) Three Months Ended September 30, Nine Months Ended September 30, Noninterest income 2020 2019 2020 2019 Noninterest income from contracts with customers $ 224 $ 240 $ 652 $ 697 Noninterest income within the scope of other GAAP topics 206 149 530 385 Total noninterest income $ 430 $ 389 $ 1,182 $ 1,082 The following table illustrates the disaggregation by operating segment and major revenue stream and reconciles disaggregated revenue to segment revenue presented in Note 16 “ Segment Reporting ”. Three Months Ended September 30, 2020 (dollar amounts in millions) Consumer & Business Banking Commercial Banking Vehicle Finance RBHPCG Treasury / Other Huntington Consolidated Major Revenue Streams Service charges on deposit accounts $ 54 $ 19 $ 2 $ 1 $ — $ 76 Card and payment processing income 59 4 — — — 63 Trust and investment management services 13 1 — 34 — 48 Insurance income 12 2 — 11 (1) 24 Other noninterest income 6 6 1 3 (3) 13 Net revenue from contracts with customers $ 144 $ 32 $ 3 $ 49 $ (4) $ 224 Noninterest income within the scope of other GAAP topics 130 58 (1) (2) 21 206 Total noninterest income $ 274 $ 90 $ 2 $ 47 $ 17 $ 430 Three Months Ended September 30, 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 $ 79 $ 16 $ 2 $ 1 $ — $ 98 Card and payment processing income 56 4 — — — 60 Trust and investment management services 9 1 — 34 — 44 Insurance income 8 2 — 10 — 20 Other noninterest income 8 7 2 1 — 18 Net revenue from contracts with customers $ 160 $ 30 $ 4 $ 46 $ — $ 240 Noninterest income within the scope of other GAAP topics 63 71 — 1 14 149 Total noninterest income $ 223 $ 101 $ 4 $ 47 $ 14 $ 389 Nine Months Ended September 30, 2020 (dollar amounts in millions) Consumer & Business Banking Commercial Banking Vehicle Finance RBHPCG Treasury / Other Huntington Consolidated Major Revenue Streams Service charges on deposit accounts $ 161 $ 54 $ 4 $ 3 $ — $ 222 Card and payment processing income 163 11 — — — 174 Trust and investment management services 33 3 — 104 — 140 Insurance income 32 5 — 34 1 72 Other noninterest income 18 14 2 11 (1) 44 Net revenue from contracts with customers $ 407 $ 87 $ 6 $ 152 $ — $ 652 Noninterest income within the scope of other GAAP topics 297 174 1 (1) 59 530 Total noninterest income $ 704 $ 261 $ 7 $ 151 $ 59 $ 1,182 Nine Months Ended September 30, 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 $ 221 $ 48 $ 5 $ 3 $ — $ 277 Card and payment processing income 162 11 — — — 173 Trust and investment management services 25 2 — 103 1 131 Insurance income 25 5 — 33 1 64 Other noninterest income 24 17 4 5 2 52 Net revenue from contracts with customers $ 457 $ 83 $ 9 $ 144 $ 4 $ 697 Noninterest income within the scope of other GAAP topics 139 183 — 3 60 385 Total noninterest income $ 596 $ 266 $ 9 $ 147 $ 64 $ 1,082

FAIR VALUES OF ASSETS AND LIABI

FAIR VALUES OF ASSETS AND LIABILITIES	9 Months Ended
	Sep. 30, 2020
Fair Value Disclosures [Abstract]
FAIR VALUES OF ASSETS AND LIABILITIES	FAIR VALUES OF ASSETS AND LIABILITIES See Note 18 “Fair Value of Assets and Liabilities” to the Consolidated Financial Statements of the Annual Report on Form 10-K for the year ended December 31, 2019 for a description of the valuation methodologies used for instruments measured at fair value. Assets and liabilities measured at fair value rarely transfer between Level 1 and Level 2 measurements. There were no such transfers during the three-month and nine-month periods ended September 30, 2020 and 2019. Assets and Liabilities measured at fair value on a recurring basis Assets and liabilities measured at fair value on a recurring basis at September 30, 2020 and December 31, 2019 are summarized below: Fair Value Measurements at Reporting Date Using Netting Adjustments (1) September 30, 2020 (dollar amounts in millions) Level 1 Level 2 Level 3 Assets Trading account securities: Municipal securities $ — $ 54 $ — $ — $ 54 Available-for-sale securities: U.S. Treasury securities 5 — — — 5 Residential CMOs — 4,498 — — 4,498 Residential MBS — 5,761 — — 5,761 Commercial MBS — 807 — — 807 Other agencies — 114 — — 114 Municipal securities — 55 3,089 — 3,144 Private-label CMO — — 5 — 5 Asset-backed securities — 154 49 — 203 Corporate debt — 266 — — 266 Other securities/sovereign debt — 4 — — 4 5 11,659 3,143 — 14,807 Other securities 58 — — — 58 Loans held for sale — 1,118 — — 1,118 Loans held for investment — 68 24 — 92 MSRs — — 191 — 191 Derivative assets — 2,093 50 (1,055) 1,088 Liabilities Derivative liabilities — 1,170 2 (1,062) 110 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 (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 three-month and nine-month periods ended September 30, 2020 and 2019, 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 Loans held for investment (dollar amounts in millions) MSRs Derivative instruments Municipal securities Private- Asset-backed securities Opening balance $ 172 $ 40 $ 3,102 $ 5 $ 56 $ 25 Transfers out of Level 3 (1) — (64) — — — — Total gains/losses for the period: Included in earnings 19 72 (1) — — — Included in OCI — — 60 — — — Purchases/originations — — 154 — — — Repayments — — — — — (1) Settlements — — (226) — (7) — Closing balance $ 191 $ 48 $ 3,089 $ 5 $ 49 $ 24 Change in unrealized gains or losses for the period included in earnings for assets held at end of the reporting date $ 18 $ 8 $ — $ — $ — $ — Change in unrealized gains or losses for the period included in other comprehensive income for assets held at the end of the reporting period — — 62 — — — Level 3 Fair Value Measurements MSRs Derivative instruments Available-for-sale securities Loans held for investment (dollar amounts in millions) Municipal securities Asset-backed securities Opening balance $ 9 $ 9 $ 3,202 $ — $ 28 Transfers out of Level 3 (1) — (20) — — — Total gains/losses for the period: Included in earnings (1) 19 (1) — — Included in OCI — — 24 — — Purchases/originations — — 28 55 — Repayments — — — — (1) Settlements — — (159) — — Closing balance $ 8 $ 8 $ 3,094 $ 55 $ 27 Change in unrealized gains or losses for the period included in earnings for assets held at end of the reporting date $ (1) $ (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 $ — $ — 23 $ — Level 3 Fair Value Measurements Available-for-sale securities Loans held for investment (dollar amounts in millions) MSRs Derivative instruments Municipal securities Private- label CMO Asset-backed securities Opening balance $ 7 $ 6 $ 2,999 $ 2 $ 48 $ 26 Fair value election for servicing assets previously measured using the amortized method 205 — — — — — Transfers out of Level 3 (1) — (139) — — — — Total gains/losses for the period: Included in earnings (21) 181 (2) — — — Included in OCI — — 61 — — — Purchases/originations — — 491 3 28 — Repayments — — — — — (2) Settlements — — (460) — (27) — Closing balance $ 191 $ 48 $ 3,089 $ 5 $ 49 $ 24 Change in unrealized gains or losses for the period included in earnings for assets held at end of the reporting date $ (22) $ 42 $ — $ — $ — $ — Change in unrealized gains or losses for the period included in other comprehensive income for assets held at the end of the reporting period — — 64 — — — 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 $ 10 $ 2 $ 3,165 $ — $ 30 Transfers out of Level 3 (1) — (44) — — — Total gains/losses for the period: Included in earnings (2) 50 (1) — — Included in OCI — — 70 — — Purchases/originations — — 136 55 — Repayments — — — — (3) Settlements — — (276) — — Closing balance $ 8 $ 8 $ 3,094 $ 55 $ 27 Change in unrealized gains or losses for the period included in earnings for assets held at end of the reporting date $ (2) $ 6 $ — $ — $ — Change in unrealized gains or losses for the period included in other comprehensive income for assets held at the end of the reporting period — — $ 68 — (1) Transfers out of Level 3 represent the settlement value of the derivative instruments (i.e. interest rate lock agreements) that is 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 three-month and nine-month periods ended September 30, 2020 and 2019: Level 3 Fair Value Measurements Available-for-sale securities (dollar amounts in millions) MSRs Derivative instruments Municipal securities Classification of gains and losses in earnings: Mortgage banking income $ 19 $ 72 $ — Interest and fee income — — (1) Total $ 19 $ 72 $ (1) Level 3 Fair Value Measurements Available-for-sale securities (dollar amounts in millions) MSRs Derivative instruments Municipal securities Classification of gains and losses in earnings: Mortgage banking income $ (1) $ 19 $ — Interest and fee income — — (1) Total $ (1) $ 19 $ (1) Level 3 Fair Value Measurements Available-for-sale securities (dollar amounts in millions) MSRs Derivative instruments Municipal securities Classification of gains and losses in earnings: Mortgage banking income $ (21) $ 181 $ — Interest and fee income — — (2) Total $ (21) $ 181 $ (2) Level 3 Fair Value Measurements Available-for-sale securities (dollar amounts in millions) MSRs Derivative instruments Municipal securities Classification of gains and losses in earnings: Mortgage banking income $ (2) $ 50 $ — Interest and fee income — — (1) Total $ (2) $ 50 $ (1) Assets and liabilities under the fair value option The following tables present the fair value and aggregate principal balance of certain assets and liabilities under the fair value option: September 30, 2020 (dollar amounts in millions) Total Loans Loans that are 90 or more days past due Assets Fair value carrying amount Aggregate unpaid principal Difference Fair value carrying amount Aggregate unpaid principal Difference Loans held for sale $ 1,118 $ 1,057 $ 61 $ 1 $ 1 $ — Loans held for investment 92 97 (5) 5 5 — December 31, 2019 (dollar amounts in millions) Total Loans Loans that are 90 or more days past due Assets Fair value carrying amount Aggregate unpaid principal Difference Fair value carrying amount Aggregate unpaid principal Difference Loans held for sale $ 781 $ 755 $ 26 $ 2 $ 2 $ — Loans held for investment 81 87 (6) 3 4 (1) The following tables present the net gains (losses) from fair value changes for the three-month and nine-month periods ended September 30, 2020 and 2019. Net gains (losses) from fair value changes Net gains (losses) from fair value changes (dollar amounts in millions) Three Months Ended September 30, Nine Months Ended September 30, Assets 2020 2019 2020 2019 Loans held for sale (1) $ 13 $ 6 $ 35 $ 12 (1) The net gains (losses) from fair value changes are included in Mortgage banking income on the Unaudited Condensed Consolidated Statements of Income. Assets and Liabilities measured at fair value on a nonrecurring basis Certain assets and liabilities may be required to be measured at fair value on a nonrecurring basis in periods subsequent to their initial recognition. These assets and liabilities are not measured at fair value on an ongoing basis; however, they are subject to fair value adjustments in certain circumstances, such as when there is evidence of impairment. The amounts presented represent the fair value on the various measurement dates throughout the period. The gains (losses) represent the amounts recorded during the period regardless of whether the asset is still held at period end. The amounts measured at fair value on a nonrecurring basis at September 30, 2020 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 Collateral-dependent loans 124 — — 124 (39) Loans held for sale 107 — — 107 (58) Huntington records nonrecurring adjustments of collateral-dependent loans held for investment. Such amounts are generally based on the fair value of the underlying collateral supporting the loan. Appraisals are generally obtained to support the fair value of the collateral and incorporate measures such as recent sales prices for comparable properties and cost of construction. Periodically, in cases where the carrying value exceeds the fair value of the collateral less cost to sell, an impairment charge is recognized in the form of a charge-off. Loans held for sale are measured at lower of cost or fair value less costs to sell. The fair value of loans held for sale is based on binding or non-binding bids for the respective loans or similar loans. 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 September 30, 2020 and December 31, 2019: Quantitative Information about Level 3 Fair Value Measurements at September 30, 2020 (1) (dollar amounts in millions) Fair Value Valuation Technique Significant Unobservable Input Range Weighted Average Measured at fair value on a recurring basis: MSRs $ 191 Discounted cash flow Constant prepayment rate 9 % - 23% 16 % Spread over forward interest rate swap rates 5 % - 11% 8 % Derivative assets 50 Consensus Pricing Net market price (1) % - 13% 4 % Estimated Pull through % 4 % - 100% 88 % Municipal securities 3,089 Discounted cash flow Discount rate — % - 8% 3 % Asset-backed securities 49 Cumulative default 0 % - 39% 4 % Loss given default 5 % - 80% 24 % Measured at fair value on a nonrecurring basis: Collateral-dependent loans 124 Appraisal value NA NA Quantitative Information about Level 3 Fair Value Measurements at December 31, 2019 (1) (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 % 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 % 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 (1) Certain disclosures related to quantitative level 3 fair value measurements do not include those deemed to be immaterial. The following provides a general description of the impact of a change in an unobservable input on the fair value measurement and the interrelationship between unobservable inputs, where relevant/significant. Interrelationships may also exist between observable and unobservable inputs. Credit loss estimates, such as probability of default, constant default, cumulative default, loss given default, cure given deferral, and loss severity, are driven by the ability of the borrowers to pay their loans and the value of the underlying collateral and are impacted by changes in macroeconomic conditions, typically increasing when economic conditions worsen and decreasing when conditions improve. An increase in the estimated prepayment rate typically results in a decrease in estimated credit losses and vice versa. Higher credit loss estimates generally result in lower fair values. Credit spreads generally increase when liquidity risks and market volatility increase and decrease when liquidity conditions and market volatility improve. Discount rates and spread over forward interest rate swap rates typically increase when market interest rates increase and/or credit and liquidity risks increase and decrease when market interest rates decline and/or credit and liquidity conditions improve. Higher discount rates and credit spreads generally result in lower fair market values. Net market price and pull through percentages generally increase when market interest rates increase and decline when market interest rates decline. Higher net market price and pull through percentages generally result in higher fair values. Fair values of financial instruments The following table provides the carrying amounts and estimated fair values of Huntington’s financial instruments at September 30, 2020 and December 31, 2019: September 30, 2020 (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 $ 6,384 $ — $ — $ 6,384 $ 6,384 Trading account securities — — 54 54 54 Available-for-sale securities — — 14,807 14,807 14,807 Held-to-maturity securities 8,557 — — 8,557 8,970 Other securities 363 — 58 421 421 Loans held for sale — 185 1,118 1,303 1,308 Net loans and leases (1) 79,268 — 92 79,360 80,490 Derivative assets — — 1,088 1,088 1,088 Financial Liabilities Deposits 95,154 — — 95,154 95,350 Short-term borrowings 222 — — 222 222 Long-term debt 9,174 — — 9,174 9,440 Derivative liabilities — — 110 110 110 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 Derivative assets — — 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 Derivative liabilities — — 104 104 104 (1) Includes collateral-dependent loans. The following table presents the level in the fair value hierarchy for the estimated fair values at September 30, 2020 and December 31, 2019: Estimated Fair Value Measurements at Reporting Date Using Netting Adjustments (1) September 30, 2020 (dollar amounts in millions) Level 1 Level 2 Level 3 Financial Assets Trading account securities $ — $ 54 $ — $ 54 Available-for-sale securities 5 11,659 3,143 14,807 Held-to-maturity securities — 8,970 — 8,970 Other securities (2) 58 — — 58 Loans held for sale — 1,118 190 1,308 Net loans and direct financing leases — 68 80,422 80,490 Derivative assets — 2,093 50 $ (1,055) 1,088 Financial Liabilities Deposits — 92,779 2,571 95,350 Short-term borrowings — — 222 222 Long-term debt — 8,877 563 9,440 Derivative liabilities — 1,170 2 (1,062) 110 Estimated Fair Value Measurements at Reporting Date Using Netting Adjustments (1) 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 (2) 54 — — 54 Loans held for sale — 781 98 879 Net loans and direct financing leases — 55 75,122 75,177 Derivative assets — 848 8 $ (404) 452 Financial Liabilities Deposits — 76,790 5,554 82,344 Short-term borrowings — — 2,606 2,606 Long-term debt — 9,439 636 10,075 Derivative liabilities — 519 2 (417) 104 (1) Amounts represent the impact of legally enforceable master netting agreements that allow the Company to settle positive and negative positions and cash collateral held or placed with the same counterparties. (2) Excludes securities without readily determinable fair values. The short-term nature of certain assets and liabilities result in their carrying value approximating fair value. These include trading account securities, customers’ acceptance liabilities, short-term borrowings, bank acceptances outstanding, FHLB advances, and cash and short-term assets, which include cash and due from banks, interest-bearing deposits in banks, interest-bearing deposits at 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,

DERIVATIVE FINANCIAL INSTRUMENT

DERIVATIVE FINANCIAL INSTRUMENTS	9 Months Ended
	Sep. 30, 2020
Derivative Instruments and Hedging Activities Disclosure [Abstract]
DERIVATIVE FINANCIAL INSTRUMENTS	DERIVATIVE FINANCIAL INSTRUMENTS Derivative financial instruments are recorded in the Unaudited Condensed Consolidated Balance Sheets as either an asset or a liability (in other assets or other liabilities, respectively) and measured at fair value. Derivative financial instruments can be designated as accounting hedges under GAAP. Designating a derivative as an accounting hedge allows Huntington to recognize gains and losses on the hedging instruments in the income statement line item where the gains and losses on the hedged item are recognized. Gains and losses on derivatives that are not designated in an effective hedge relationship under GAAP immediately impact earnings within the period they occur. The following table presents the fair values and notional values of all derivative instruments included in the Unaudited Condensed Consolidated Balance Sheets at September 30, 2020 and December 31, 2019. Amounts in the table below are presented gross without the impact of any net collateral arrangements. September 30, 2020 December 31, 2019 (dollar amounts in millions) Notional Value Asset Liability Notional Value Asset Liability Derivatives designated as Hedging Instruments Interest rate contracts $ 27,671 $ 858 $ 59 $ 25,927 $ 256 $ 36 Derivatives not designated as Hedging Instruments Interest rate contracts 33,837 1,109 919 27,614 420 314 Foreign exchange contracts 2,691 23 24 2,173 19 18 Commodities contracts 1,899 153 149 3,020 155 152 Equity contracts 477 — 21 427 6 1 Total Contracts $ 66,575 $ 2,143 $ 1,172 $ 59,161 $ 856 $ 521 The following table presents the amount of gain or loss recognized in income for derivatives not designated as hedging instruments under ASC Subtopic 815-10 in the Unaudited Condensed Consolidated Income Statement for the three-month and nine-month periods ended September 30, 2020 and 2019, respectively. Location of Gain or (Loss) Recognized in Income on Derivative Amount of Gain or (Loss) Recognized in Income on Derivative Three Months Ended Nine Months Ended (dollar amounts in millions) 2020 2019 2020 2019 Interest rate contracts: Customer Capital markets fees $ 10 $ 15 $ 39 $ 38 Mortgage Banking Mortgage banking income 47 28 109 52 Interest Rate Floors Interest and fee income on loans and leases — (1) — 4 Foreign exchange contracts Capital markets fees 7 7 18 22 Commodities contracts Capital markets fees — 1 2 (3) Equity contracts Other noninterest expense (1) (2) (3) (3) Total $ 63 $ 48 $ 165 $ 110 Derivatives used in asset and liability management activities Huntington engages in balance sheet hedging activity, principally for asset and liability management purposes. Balance sheet hedging activity is generally arranged to receive hedge accounting treatment that can be classified as either fair value or cash flow hedges. Fair value hedges are executed to hedge changes in fair value of outstanding fixed-rate debt and investment securities caused by fluctuations in market interest rates. Cash flow hedges are executed to modify interest rate characteristics of designated commercial loans in order to reduce the impact of changes in future cash flows due to market interest rate changes. The following table presents the gross notional values of derivatives used in Huntington’s asset and liability management activities at September 30, 2020 and December 31, 2019, identified by the underlying interest rate-sensitive instruments. September 30, 2020 (dollar amounts in millions) Fair Value Hedges Cash Flow Hedges Economic Hedges Total Instruments associated with: Loans $ — $ 17,375 $ 1,000 $ 18,375 Investment securities 3,309 — — 3,309 Long-term debt 6,987 — — 6,987 Total notional value at September 30, 2020 $ 10,296 $ 17,375 $ 1,000 $ 28,671 December 31, 2019 (dollar amounts in millions) Fair Value Hedges Cash Flow Hedges Economic 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 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 $82 million and $(16) million for the three-month periods ended September 30, 2020, and 2019, respectively. For the nine-month periods ended September 30, 2020, and 2019, the net amounts resulted in an increase (decrease) to net interest income of $151 million and $(44) million, respectively. Fair Value Hedges The changes in fair value of the fair value hedges are recorded through earnings and offset against changes in the fair value of the hedged item. Huntington has designated $3.1 billion of interest rate swaps as fair value hedges of fixed-rate investment securities using the last-of-layer method. This approach allows the Company to designate as the hedged item a stated amount of the assets that are not expected to be affected by prepayments, defaults and other factors affecting the timing and amount of cash flows. The fair value basis adjustment on our hedged mortgage-backed securities is included in available-for-sale securities on our Unaudited Condensed Consolidated Statements of Financial Condition. The following table presents the change in fair value for derivatives designated as fair value hedges as well as the offsetting change in fair value on the hedged item for the three-month and nine-month periods ended September 30, 2020 and 2019. Three Months Ended Nine Months Ended (dollar amounts in millions) 2020 2019 2020 2019 Interest rate contracts Change in fair value of interest rate swaps hedging investment securities (1) $ — $ — $ (1) $ — Change in fair value of hedged investment securities (1) — — 1 — Change in fair value of interest rate swaps hedging long-term debt (2) (36) 36 159 165 Change in fair value of hedged long term debt (2) 35 (32) (160) (162) (1) Recognized in Interest income—available-for-sale securities—taxable in the Unaudited Condensed Consolidated Statements of Income (2) Recognized in Interest expense—long-term debt in the Unaudited Condensed Consolidated Statements of Income . As of September 30, 2020, and December 31, 2019, the following amounts were recorded on the balance sheet related to cumulative basis adjustments for fair value hedges. Amortized Cost Cumulative Amount of Fair Value Hedging Adjustment To Hedged Items (dollar amounts in millions) September 30, 2020 December 31, 2019 September 30, 2020 December 31, 2019 Investment securities (1) $ 7,389 $ — $ 1 $ — Long-term debt 7,210 7,578 274 114 Total $ 14,599 $ 7,578 $ 275 $ 114 (1) Amounts include the amortized cost basis of closed portfolios used to designate hedging relationships in which the hedged item is the last layer expected to be remaining at the end of the hedging relationship. As of September 30, 2020, the amortized cost basis of the closed portfolios used in these hedging relationships was $7.2 billion, the cumulative basis adjustments associated with these hedging relationships was $1 million, and the amounts of the designated hedged items were $3.1 billion. The cumulative amount of fair value hedging adjustments remaining for any hedged assets and liabilities for which hedge accounting has been discontinued was $(69) million and $(93) million at September 30, 2020 and December 31, 2019, respectively. Cash Flow Hedges At September 30, 2020, Huntington has $17.4 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. Gains and losses on interest rate floors and swaps recognized in other comprehensive income were $(40) million and $28 million for the three-months periods ended September 30, 2020 and 2019, respectively. For the nine-month periods ended September 30, 2020 and 2019, gains and losses on interest rate floors and swaps recognized in other comprehensive income were $279 million and, $82 million respectively. Derivatives used in mortgage banking activities Mortgage loan origination hedging activity Huntington’s mortgage origination hedging activity is related to economically hedging Huntington’s mortgage pricing commitments to customers and the secondary sale to third parties. The value of a newly originated mortgage is not firm until the interest rate is committed or locked. Forward commitments to sell economically hedge the possible loss on interest rate lock commitments due to interest rate change. The net asset (liability) position of these derivatives at September 30, 2020 and December 31, 2019 are $44 million and $6 million, respectively. At September 30, 2020 and December 31, 2019, Huntington had commitments to sell residential real estate loans of $2.7 billion and $1.4 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: (dollar amounts in millions) September 30, 2020 December 31, 2019 Notional value $ 578 $ 778 Trading assets 56 19 Three Months Ended Nine Months Ended (dollar amounts in millions) 2020 2019 2020 2019 Trading gains $ (1) $ 20 $ 61 $ 44 MSR hedging trading assets and liabilities are included in other assets and other liabilities, respectively, in the Unaudited Condensed Balance Sheets. Trading gains (losses) are included in mortgage banking income in the Unaudited Condensed 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 both September 30, 2020 and December 31, 2019, were $75 million and $87 million, respectively. The total notional values of derivative financial instruments used by Huntington on behalf of customers, including offsetting derivatives, were $32 billion and $30 billion at September 30, 2020 and December 31, 2019, respectively. Huntington’s credit risk from customer derivatives was $988 million and $407 million at the same dates, respectively. Financial assets and liabilities that are offset in the Unaudited Condensed Consolidated Balance Sheets Huntington records derivatives at fair value as further described in Note 12 “ Fair Values of Assets and Liabilities ”. Derivative balances are presented on a net basis taking into consideration the effects of legally enforceable master netting agreements. Additionally, collateral exchanged with counterparties is also netted against the applicable derivative fair values. Huntington enters into derivative transactions with two primary groups: broker-dealers and banks, and Huntington’s customers. Different methods are utilized for managing counterparty credit exposure and credit risk for each of these groups. Huntington enters into transactions with broker-dealers and banks for various risk management purposes. These types of transactions generally are high dollar volume. Huntington enters into collateral and master netting agreements with these counterparties, and routinely exchanges cash and high quality securities collateral. Huntington enters into transactions with customers to meet their financing, investing, payment and risk management needs. These types of transactions generally are low dollar volume. Huntington enters into master netting agreements with customer counterparties; however, collateral is generally not exchanged with customer counterparties. In addition to the customer derivative credit exposure, aggregate credit risk associated with broker-dealer and bank derivative transactions, net of collateral that has been pledged by the counterparty, was $94 million and $22 million at September 30, 2020 and December 31, 2019, respectively. The credit risk associated with derivatives is calculated after considering master netting agreements. At September 30, 2020, Huntington pledged $285 million of investment securities and cash collateral to counterparties, while other counterparties pledged $345 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 Unaudited Condensed Consolidated Balance Sheets at September 30, 2020 and December 31, 2019. Offsetting of Financial Assets and Derivative Assets Gross amounts Net amounts of Gross amounts not offset in the (dollar amounts in millions) Gross amounts of recognized assets Financial instruments Cash collateral received Net amount September 30, 2020 $ 2,143 $ (1,055) $ 1,088 $ (130) $ (56) $ 902 December 31, 2019 856 (404) 452 (65) (29) 358 Offsetting of Financial Liabilities and Derivative Liabilities Gross amounts offset in the unaudited condensed consolidated balance sheets Net amounts of liabilities presented in the unaudited condensed consolidated balance sheets Gross amounts not offset in the unaudited condensed consolidated balance sheets (dollar amounts in millions) Gross amounts of recognized liabilities Financial instruments Cash collateral delivered Net amount September 30, 2020 $ 1,172 $ (1,062) $ 110 $ (4) $ (63) $ 43 December 31, 2019 521 (417) 104 — (75) 29

VIEs

VIEs	9 Months Ended
	Sep. 30, 2020
Organization, Consolidation and Presentation of Financial Statements [Abstract]
VIEs	VIEs Unconsolidated VIEs The following tables provide a summary of the assets and liabilities included in Huntington’s Unaudited Condensed 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, but is not the primary beneficiary, to the VIE at September 30, 2020, and December 31, 2019: September 30, 2020 (dollar amounts in millions) Total Assets Total Liabilities Maximum Exposure to Loss Trust Preferred Securities $ 14 $ 252 $ — Affordable Housing Tax Credit Partnerships 862 414 862 Other Investments 271 74 271 Total $ 1,147 $ 740 $ 1,133 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 Trust-Preferred Securities Huntington has certain wholly-owned trusts whose assets, liabilities, equity, income, and expenses are not included within Huntington’s Unaudited Condensed Consolidated Financial Statements. These trusts have been formed for the sole purpose of issuing trust-preferred securities, from which the proceeds are then invested in Huntington junior subordinated debentures, which are reflected in Huntington’s Unaudited Condensed Consolidated Balance Sheet as long-term debt. The trust securities are the obligations of the trusts, and as such, are not consolidated within Huntington’s Unaudited Condensed Consolidated Financial Statements. A list of trust preferred securities outstanding at September 30, 2020 follows: (dollar amounts in millions) Rate Principal amount of subordinated note/ debenture issued to trust (1) Investment in unconsolidated subsidiary Huntington Capital I 0.93 % (2) $ 70 $ 6 Huntington Capital II 0.86 (3) 32 3 Sky Financial Capital Trust III 1.63 (4) 72 2 Sky Financial Capital Trust IV 1.63 (4) 74 2 Camco Financial Trust 1.56 (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 September 30, 2020, based on three-month LIBOR +0.70%. (3) Variable effective rate at September 30, 2020, based on three-month LIBOR +0.625%. (4) Variable effective rate at September 30, 2020, based on three-month LIBOR +1.40%. (5) Variable effective rate at September 30, 2020, 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 Unaudited Condensed Consolidated Statements of Income. The following table presents the balances of Huntington’s affordable housing tax credit investments and related unfunded commitments at September 30, 2020 and December 31, 2019. (dollar amounts in millions) September 30, December 31, Affordable housing tax credit investments $ 1,452 $ 1,242 Less: amortization (590) (515) Net affordable housing tax credit investments $ 862 $ 727 Unfunded commitments $ 414 $ 332 The following table presents other information relating to Huntington’s affordable housing tax credit investments for the three-month and nine-month periods ended September 30, 2020 and 2019. Three Months Ended Nine Months Ended (dollar amounts in millions) 2020 2019 2020 2019 Tax credits and other tax benefits recognized $ 29 $ 26 $ 88 $ 79 Proportional amortization expense included in provision for income taxes 25 22 75 66 There were no sales of affordable housing tax credit investments during the three-month and nine-month periods ended September 30, 2020 and 2019. There was no impairment recognized for the three-month and nine-month periods ended September 30, 2020 and 2019. Other VIE’s Other 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	9 Months Ended
	Sep. 30, 2020
Commitments and Contingencies Disclosure [Abstract]
COMMITMENTS AND CONTINGENT LIABILITIES	COMMITMENTS AND CONTINGENT LIABILITIES Commitments to extend credit In the ordinary course of business, Huntington makes various commitments to extend credit that are not reflected in the Unaudited Condensed Consolidated Financial Statements. The contract amounts of these financial agreements at September 30, 2020 and December 31, 2019, were as follows: (dollar amounts in millions) September 30, December 31, Contract amount representing credit risk Commitments to extend credit: Commercial $ 20,606 $ 18,326 Consumer 14,734 14,831 Commercial real estate 1,271 1,364 Standby letters of credit 570 587 Commercial letters of credit 11 8 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 $5 million and $8 million at September 30, 2020 and December 31, 2019, 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 The following supplements the disclosure in Note 21 - Commitments and Contingencies to the Consolidated Financial Statements of the Corporation’s 2019 Annual Report on Form 10-K and Note 14 - Commitments and Contingencies to the Consolidated Financial Statements of the Corporation’s Quarterly Report on Form 10-Q for the quarters ended March 31, 2020 and June 30, 2020 (collectively, the prior commitments and contingencies disclosures). In the ordinary course of business, Huntington is routinely a defendant in or party to pending and threatened legal and regulatory actions and proceedings. In view of the inherent difficulty of predicting the outcome of such matters, particularly where the claimants seek very large or indeterminate damages or where the matters present novel legal theories or involve a large number of parties, Huntington generally cannot predict what the eventual outcome of the pending matters will be, what the timing of the ultimate resolution of these matters will be, or what the eventual loss, fines or penalties related to each matter may be. Huntington establishes an accrued liability when those matters present loss contingencies that are both probable and estimable. In such cases, there may be an exposure to loss in excess of any amounts accrued. Huntington thereafter continues to monitor the matter for further developments that could affect the amount of the accrued liability that has been previously established. For certain matters, Huntington is able to estimate a range of possible loss. In cases in which Huntington possesses information to estimate a range of possible loss, that estimate is aggregated and disclosed below. There may be other matters for which a loss is probable or reasonably possible but such an estimate of the range of possible loss may not be possible. For those matters where an estimate of the range of possible loss is possible, management currently estimates the aggregate range of reasonably possible loss is $0 to $10 million at September 30, 2020 in excess of the accrued liability (if any) related to those matters. This estimated range of possible loss is based upon currently available information and is subject to significant judgment, a variety of assumptions, and known and unknown uncertainties. The matters underlying the estimated range will change from time to time, and actual results may vary significantly from the current estimate. The estimated range of possible loss does not represent Huntington’s maximum loss exposure. Based on current knowledge, management does not believe that loss contingencies arising from pending matters will have a material adverse effect on the consolidated financial position of Huntington. Further, management believes that amounts accrued are adequate to address Huntington’s contingent liabilities. However, in light of the inherent uncertainties involved in these matters, some of which are beyond Huntington’s control, and the large or indeterminate damages sought in some of these matters, an adverse outcome in one or more of these matters could be material to Huntington’s results of operations for any particular reporting period.

SEGMENT REPORTING

SEGMENT REPORTING	9 Months Ended
	Sep. 30, 2020
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. For a description of our business segments, see Note 24 - Segment Reporting to the Consolidated Financial Statements of the Corporation’s 2019 Annual Report on Form 10-K. 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. 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). Listed in the table below is certain operating basis financial information reconciled to Huntington’s September 30, 2020, December 31, 2019, and September 30, 2019, reported results by business segment. Three Months Ended September 30, Income Statements Consumer & Business Banking Commercial Banking Vehicle Finance RBHPCG Treasury / Other Huntington Consolidated (dollar amounts in millions) 2020 Net interest income $ 367 $ 221 $ 110 $ 39 $ 80 $ 817 Provision (benefit) for credit losses 87 87 (12) 15 — 177 Noninterest income 274 90 2 47 17 430 Noninterest expense 450 135 34 56 37 712 Provision (benefit) for income taxes 22 19 19 3 (8) 55 Net income (loss) $ 82 $ 70 $ 71 $ 12 $ 68 $ 303 2019 Net interest income $ 433 $ 263 $ 100 $ 48 $ (45) $ 799 Provision (benefit) for credit losses 35 36 12 (1) — 82 Noninterest income 223 101 4 47 14 389 Noninterest expense 421 142 36 63 5 667 Provision (benefit) for income taxes 42 39 12 7 (33) 67 Net income (loss) $ 158 $ 147 $ 44 $ 26 $ (3) $ 372 Nine Months Ended September 30, Income Statements Consumer & Business Banking Commercial Banking Vehicle Finance RBHPCG Treasury / Other Huntington Consolidated (dollar amounts in millions) 2020 Net interest income $ 1,099 $ 693 $ 316 $ 122 $ 169 $ 2,399 Provision (benefit) for credit losses 200 611 118 16 — 945 Noninterest income 704 261 7 151 59 1,182 Noninterest expense 1,288 400 103 181 67 2,039 Provision (benefit) for income taxes 66 (12) 21 16 5 96 Net income (loss) $ 249 $ (45) $ 81 $ 60 $ 156 $ 501 2019 Net interest income $ 1,371 $ 798 $ 291 $ 153 $ (180) $ 2,433 Provision (benefit) for credit losses 81 103 27 (3) — 208 Noninterest income 596 266 9 147 64 1,082 Noninterest expense 1,247 427 112 193 41 2,020 Provision (benefit) for income taxes 134 113 33 23 (110) 193 Net income (loss) $ 505 $ 421 $ 128 $ 87 $ (47) $ 1,094 Assets at Deposits at (dollar amounts in millions) September 30, December 31, September 30, December 31, Consumer & Business Banking $ 30,966 $ 25,073 $ 59,302 $ 51,675 Commercial Banking 35,503 34,337 23,599 20,762 Vehicle Finance 19,664 20,155 777 376 RBHPCG 6,934 6,665 6,623 6,370 Treasury / Other 27,049 22,772 4,853 3,164 Total $ 120,116 $ 109,002 $ 95,154 $ 82,347

ACCOUNTING STANDARDS UPDATE (Po

ACCOUNTING STANDARDS UPDATE (Policies)	9 Months Ended
	Sep. 30, 2020
New Accounting Pronouncements and Changes in Accounting Principles [Abstract]
Allowance for credit losses	The allowance for credit losses is deducted from the amortized cost basis of a financial asset or a group of financial assets so that the balance sheet reflects the net amount Huntington expects to collect. Amortized cost is the principal balance outstanding, net of purchase premiums and discounts, fair value hedge accounting adjustments, and deferred fees and costs. Subsequent changes (favorable and unfavorable) in expected credit losses are recognized immediately in net income as a credit loss expense or a reversal of credit loss expense. Management estimates the allowance by projecting probability-of-default, loss-given-default and exposure-at-default depending on economic parameters for each month of the remaining contractual term. Those economic parameters are developed using available information relating to past events, current conditions, and reasonable and supportable forecasts. Huntington’s reasonable and supportable forecast period reverts to a historical norm based on inputs within approximately two to three years. The reversion period is dependent on the state of the economy at the beginning of the forecast. Historical credit experience provides the basis for the estimation of expected credit losses, with adjustments made for differences in current loan-specific risk characteristics such as differences in underwriting standards, portfolio mix, delinquency levels and terms, as well as for changes in the micro- and macro-economic environments. The contractual terms of financial assets are adjusted for expected prepayments and any extensions outside of Huntington’s control. Loans that are determined to have unique risk characteristics are evaluated on an individual basis by management. If a loan is determined to be collateral dependent, or meets the criteria to apply the collateral dependent practical expedient, expected credit losses are determined based on the fair value of the collateral at the reporting date, less costs to sell as appropriate. Loans with unique risk characteristics that are not subject to collateral dependent accounting, are assessed using a discounted cash flows methodology.
Accounting Standards Update	ACCOUNTING STANDARDS UPDATE Accounting standards adopted in current period 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 collectability 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. • Management adopted the guidance on January 1, 2020 through a cumulative-effect adjustment to retained earnings and implemented changes to relevant systems, processes, and controls where necessary. • The adoption of ASU 2016-13 on January 1, 2020 resulted in an increase to our total ACL of $393 million. This represented an increase of 44% from the 2019 year end ACL level of $887 million. For more detail on the day 1 adoption impacts, please refer to Note 5 - Allowance for Credit Losses. • The ASU eliminated 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. • Management adopted the amendments on January 1, 2020. • The ASU did not have a material impact on Huntington’s Unaudited Condensed Consolidated Financial Statements. Standard Summary of guidance Effects on 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. • Management adopted the amendments on January 1, 2020. • The ASU did not have a material impact on Huntington’s Unaudited Condensed 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. • Management adopted the amendments on January 1, 2020. • The ASU did not have a material impact on Huntington’s Unaudited Condensed Consolidated Financial Statements. Accounting standards yet to be adopted Standard Summary of guidance Effects on financial statements ASU 2019-12 - Income Taxes (Topic 740): Simplifying the Accounting for Income Taxes Issued: December 2019 • The ASU simplifies the accounting for income taxes by removing exceptions to the: a. Incremental approach for intra-period 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. • The ASU also simplifies various other aspects of the accounting for income taxes. • The ASU 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 ASU is not expected to have a material impact on Huntington’s Unaudited Condensed Consolidated Financial Statements. ASU 2020-04 - Reference Rate Reform (Topic 848): Facilitation of the Effects of Reference Rate Reform on Financial Reporting Issued: March 2020 • The ASU provides optional expedients and exceptions for applying U.S. GAAP to contracts, hedging relationships, and other transactions affected by reference rate reform if certain criteria are met, including the following: a. Modifications of contracts within the scope of Topics 310, Receivables, and 470, Debt, should be accounted for by prospectively adjusting the effective interest rate. b. Modifications of contracts within the scope of Topic 842, Leases, should be accounted for as a continuation of the existing contracts with no reassessments of the lease classification and the discount rate. c. Modifications of contracts do not require an entity to reassess its original conclusion about whether that contract contains an embedded derivative that is clearly and closely related to the economic characteristics and risks of the host contract under Topic 815. d. The ASU also provides optional expedients for various hedging relationships and do not require de-designation of hedging relationships if certain criteria are met. e. An entity may make a one time election to sell, transfer, or both sell and transfer debt securities classified as held to maturity that reference a rate affected by reference rate reform and that are classified as held to maturity before January 1, 2020. • The ASU is effective for all entities from the beginning of an interim period that includes or is subsequent to March 12, 2020 through December 31, 2022. • The ASU is not expected to have a material impact Huntington’s Unaudited Condensed Consolidated Financial Statements.

INVESTMENT SECURITIES AND OTH_2

INVESTMENT SECURITIES AND OTHER SECURITIES (Tables)	9 Months Ended
	Sep. 30, 2020
Investments, Debt and Equity Securities [Abstract]
Amortized Cost, Fair Value, and Gross Unrealized Gains and Losses by Investment Category	The following tables provide amortized cost, fair value, and gross unrealized gains and losses by investment category at September 30, 2020 and December 31, 2019: Unrealized (dollar amounts in millions) Amortized Cost Gross Gains Gross Losses Fair Value September 30, 2020 Available-for-sale securities: U.S. Treasury $ 5 $ — $ — $ 5 Federal agencies: Residential CMO 4,343 157 (2) 4,498 Residential MBS 5,669 98 (6) 5,761 Commercial MBS 787 22 (2) 807 Other agencies 112 2 — 114 Total U.S. Treasury, federal agency and other agency securities 10,916 279 (10) 11,185 Municipal securities 3,071 89 (16) 3,144 Private-label CMO 5 — — 5 Asset-backed securities 197 6 — 203 Corporate debt 267 — (1) 266 Other securities/Sovereign debt 4 — — 4 Total available-for-sale securities $ 14,460 $ 374 $ (27) $ 14,807 Held-to-maturity securities: Federal agencies: Residential CMO $ 1,959 $ 98 $ — $ 2,057 Residential MBS 2,926 102 — 3,028 Commercial MBS 3,413 199 — 3,612 Other agencies 256 14 — 270 Total federal agency and other agency securities 8,554 413 — 8,967 Municipal securities 3 — — 3 Total held-to-maturity securities $ 8,557 $ 413 $ — $ 8,970 Other securities, at cost: Non-marketable equity securities: Federal Home Loan Bank stock $ 64 $ — $ — $ 64 Federal Reserve Bank stock 299 — — 299 Other securities, at fair value Mutual funds 49 — — 49 Equity securities 9 — — 9 Total other securities $ 421 $ — $ — $ 421 Unrealized (dollar amounts in millions) Amortized Gross Gross 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 Equity securities 1 — — 1 Total other securities $ 441 $ — $ — $ 441
Investments by Contractual Maturity	The following table provides the amortized cost and fair value of securities by contractual maturity at September 30, 2020 and December 31, 2019. Expected maturities may differ from contractual maturities as issuers may have the right to call or prepay obligations with or without incurring penalties. September 30, 2020 December 31, 2019 (dollar amounts in millions) Amortized Cost Fair Value Amortized Cost Fair Value Available-for-sale securities: Under 1 year $ 349 $ 345 $ 231 $ 229 After 1 year through 5 years 1,198 1,203 1,196 1,189 After 5 years through 10 years 1,522 1,562 1,594 1,606 After 10 years 11,391 11,697 11,042 11,125 Total available-for-sale securities $ 14,460 $ 14,807 $ 14,063 $ 14,149 Held-to-maturity securities: Under 1 year $ — $ — $ — $ — After 1 year through 5 years 137 145 17 17 After 5 years through 10 years 173 181 300 305 After 10 years 8,247 8,644 8,753 8,864 Total held-to-maturity securities $ 8,557 $ 8,970 $ 9,070 $ 9,186
Investments with Unrealized Losses by Investment Category	The following tables provide detail on investment securities with unrealized losses aggregated by investment category and the length of time the individual securities have been in a continuous loss position at September 30, 2020 and December 31, 2019: Less than 12 Months Over 12 Months Total (dollar amounts in millions) Fair Gross Unrealized Fair Gross Unrealized Fair Gross Unrealized September 30, 2020 Available-for-sale securities: Federal agencies: Residential CMO $ 209 $ (2) $ — $ — $ 209 $ (2) Residential MBS 1,849 (6) — — 1,849 (6) Commercial MBS 27 (2) — — 27 (2) Other agencies — — — — — — Total federal agency and other agency securities 2,085 (10) — — 2,085 (10) Municipal securities 166 (3) 684 (13) 850 (16) Asset-backed securities 16 — — — 16 — Corporate debt 230 (1) — — 230 (1) Total temporarily impaired securities $ 2,497 $ (14) $ 684 $ (13) $ 3,181 $ (27) Held-to-maturity securities: Federal agencies: Residential CMO $ — $ — $ — $ — $ — $ — Residential MBS — — — — — — Commercial MBS — — — — — — Other agencies — — — — — — Total federal agency and other agency securities — — — — — — Municipal securities — — — — — — Total temporarily impaired securities $ — $ — $ — $ — $ — $ — 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)

LOANS _ LEASES (Tables)

LOANS / LEASES (Tables)	9 Months Ended
	Sep. 30, 2020
Receivables [Abstract]
Loan and Lease Portfolio	The following table provides a detailed listing of Huntington’s loan and lease portfolio at September 30, 2020 and December 31, 2019. (dollar amounts in millions) September 30, 2020 December 31, 2019 Loans and leases: Commercial and industrial $ 34,895 $ 30,664 Commercial real estate 7,209 6,674 Automobile 12,925 12,797 Home equity 8,904 9,093 Residential mortgage 12,031 11,376 RV and marine 4,146 3,563 Other consumer 1,046 1,237 Loans and leases $ 81,156 $ 75,404 Allowance for loan and lease losses (1,796) (783) Net loans and leases $ 79,360 $ 74,621
Direct Financing Lease, Lease Income	The following table presents net investments in lease financing receivables by category at September 30, 2020 and December 31, 2019. (dollar amounts in millions) September 30, December 31, Commercial and industrial: Lease payments receivable $ 1,751 $ 1,841 Estimated residual value of leased assets 687 728 Gross investment in commercial and industrial lease financing receivables 2,438 2,569 Deferred origination costs 21 19 Deferred fees (203) (249) Total net investment in commercial and industrial lease financing receivables $ 2,256 $ 2,339
NALs and Past Due Loans	The following table presents NALs by loan class at September 30, 2020 and December 31, 2019 (1): September 30, 2020 December 31, 2019 (dollar amounts in millions) Nonaccrual loans with no ACL Total nonaccrual loans Nonaccrual loans with no ACL Total nonaccrual loans Commercial and industrial $ 65 $ 388 $ 109 $ 323 Commercial real estate 9 16 2 10 Automobile — 5 — 4 Home equity — 71 — 59 Residential mortgage — 88 — 71 RV and marine — 1 — 1 Other consumer — — — — Total nonaccrual loans $ 74 $ 569 $ 111 $ 468
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 September 30, 2020 and December 31, 2019: September 30, 2020 Past Due (1)(2) Loans Accounted for Under FVO Total Loans 90 or (dollar amounts in millions) 30-59 60-89 90 or Total Current Commercial and industrial $ 54 $ 21 $ 113 $ 188 $ 34,707 $ — $ 34,895 $ 10 (3) Commercial real estate 6 3 12 21 7,188 — 7,209 — Automobile 61 20 12 93 12,832 — 12,925 8 Home equity 23 11 58 92 8,811 1 8,904 11 Residential mortgage 104 32 202 338 11,602 91 12,031 142 (4) RV and marine 11 3 3 17 4,129 — 4,146 2 Other consumer 8 3 2 13 1,033 — 1,046 2 Total loans and leases $ 267 $ 93 $ 402 $ 762 $ 80,302 $ 92 $ 81,156 $ 175 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 (3) 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 (4) 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 (1) NALs are included in this aging analysis based on the loan’s past due status. (2) At September 30, 2020, the principal balance of loans in payment deferral programs offered in response to the COVID-19 pandemic which are performing according to their modified terms are generally not considered delinquent. (3) Amounts include Huntington Technology Finance administrative lease delinquencies.
Loan and lease balances by credit quality indicator	The following table presents each loan and lease class by vintage and credit quality indicator at September 30, 2020: As of September 30, 2020 Term Loans Amortized Cost Basis by Origination Year Revolver Total at Amortized Cost Basis Revolver Total Converted to Term Loans (dollar amounts in millions) 2020 2019 2018 2017 2016 Prior Total (3) Commercial and industrial Credit Quality Indicator (1): Pass $ 12,017 $ 5,057 $ 3,019 $ 1,621 $ 1,106 $ 1,084 $ 8,408 $ 2 $ 32,314 OLEM 362 134 120 35 42 22 212 — 927 Substandard 296 171 167 215 90 182 525 — 1,646 Doubtful 2 — 5 — — 1 — — 8 Total Commercial and industrial $ 12,677 $ 5,362 $ 3,311 $ 1,871 $ 1,238 $ 1,289 $ 9,145 $ 2 $ 34,895 Commercial real estate Credit Quality Indicator (1): Pass $ 1,366 $ 1,629 $ 1,203 $ 566 $ 601 $ 635 $ 675 $ — $ 6,675 OLEM 61 74 73 56 20 23 1 — 308 Substandard 21 48 13 40 44 20 38 — 224 Doubtful — — — — — 2 — — 2 Total Commercial real estate $ 1,448 $ 1,751 $ 1,289 $ 662 $ 665 $ 680 $ 714 $ — $ 7,209 Automobile Credit Quality Indicator (2): 750+ $ 2,145 $ 2,185 $ 1,293 $ 880 $ 406 $ 126 $ — $ — $ 7,035 650-749 1,528 1,546 878 465 224 78 — — 4,719 <650 224 334 274 183 104 52 — — 1,171 Total Automobile $ 3,897 $ 4,065 $ 2,445 $ 1,528 $ 734 $ 256 $ — $ — $ 12,925 Home equity Credit Quality Indicator (2): 750+ $ 502 $ 29 $ 31 $ 36 $ 97 $ 498 $ 4,493 $ 192 $ 5,878 650-749 96 12 8 12 31 181 2,006 186 2,532 <650 — 1 1 1 7 76 304 103 493 Total Home equity $ 598 $ 42 $ 40 $ 49 $ 135 $ 755 $ 6,803 $ 481 $ 8,903 Residential mortgage Credit Quality Indicator (2): 750+ $ 2,416 $ 1,545 $ 1,060 $ 1,229 $ 862 $ 1,429 $ — $ — $ 8,541 650-749 758 516 363 313 194 526 — — 2,670 <650 25 74 101 102 73 354 — — 729 Total Residential mortgage $ 3,199 $ 2,135 $ 1,524 $ 1,644 $ 1,129 $ 2,309 $ — $ — $ 11,940 RV and marine Credit Quality Indicator (2): 750+ $ 988 $ 557 $ 629 $ 360 $ 163 $ 270 $ — $ — $ 2,967 650-749 264 231 217 147 69 141 — — 1,069 <650 4 15 23 23 12 33 — — 110 Total RV and marine $ 1,256 $ 803 $ 869 $ 530 $ 244 $ 444 $ — $ — $ 4,146 Other consumer Credit Quality Indicator (2): 750+ $ 71 $ 64 $ 28 $ 8 $ 4 $ 10 $ 324 $ 2 $ 511 650-749 29 64 21 7 2 5 300 31 459 <650 1 9 3 1 1 2 28 31 76 Total Other consumer $ 101 $ 137 $ 52 $ 16 $ 7 $ 17 $ 652 $ 64 $ 1,046 (1) Consistent with the credit quality disclosures, indicators for the Commercial portfolio are based on internally defined categories of credit grades which are generally refreshed at least semi-annually. (2) Consistent with the credit quality disclosures, indicators for the Consumer portfolio are based on updated customer credit scores refreshed at least quarterly. (3) The total amount of accrued interest recorded for these loans at September 30, 2020, presented in other assets within the Condensed Consolidated Balance Sheet s, was $132 million and $125 million of commercial and consumer, respectively. The following table presents each loan and lease class by credit quality indicator at December 31, 2019. December 31, 2019 (dollar amounts in millions) Credit Risk Profile by UCS Classification Commercial 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) Consumer 750+ 650-749 <650 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 (1) Excludes loans accounted for under the fair value option. (2) Reflects updated customer credit scores.
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 three-month and nine-month periods ended September 30, 2020 and 2019. New Troubled Debt Restructurings (1) Three Months Ended September 30, 2020 Number of Post-modification Outstanding Recorded Investment (2) (dollar amounts in millions) Interest rate reduction Amortization or maturity date change Chapter 7 bankruptcy Other Total Commercial and industrial 39 $ — $ 28 $ — $ — $ 28 Commercial real estate 2 — — — — — Automobile 726 — 5 2 — 7 Home equity 90 — 2 3 1 6 Residential mortgage 242 — 40 2 — 42 RV and marine 30 — 1 — — 1 Other consumer 122 1 — — — 1 Total new TDRs 1,251 $ 1 $ 76 $ 7 $ 1 $ 85 Three Months Ended September 30, 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 119 $ — $ 39 $ — $ — $ 39 Commercial real estate 7 — 1 — — 1 Automobile 833 — 5 2 — 7 Home equity 76 — 2 3 — 5 Residential mortgage 69 — 9 — — 9 RV and marine 46 — 1 — — 1 Other consumer 385 2 — — — 2 Total new TDRs 1,535 $ 2 $ 57 $ 5 $ — $ 64 New Troubled Debt Restructurings (1) Nine Months Ended September 30, 2020 Number of Post-modification Outstanding Recorded Investment (2) (dollar amounts in millions) Interest rate reduction Amortization or maturity date change Chapter 7 bankruptcy Other Total Commercial and industrial 277 $ — $ 116 $ — $ 58 $ 174 Commercial real estate 11 — 3 — — 3 Automobile 2,582 — 26 5 — 31 Home equity 216 — 5 6 2 13 Residential mortgage 448 — 62 5 — 67 RV and marine finance 126 — 4 — — 4 Other consumer 513 3 — — — 3 Total new TDRs 4,173 $ 3 $ 216 $ 16 $ 60 $ 295 Nine Months Ended September 30, 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 335 $ — $ 114 $ — $ — $ 114 Commercial real estate 21 — 12 — — 12 Automobile 2,227 — 14 6 — 20 Home equity 248 — 7 6 — 13 Residential mortgage 241 — 27 1 — 28 RV and marine finance 113 — 1 1 — 2 Other consumer 972 6 — — — 6 Total new TDRs 4,157 $ 6 $ 175 $ 14 $ — $ 195 (1) TDRs may include multiple concessions and the disclosure classifications are based on the primary concession provided to the borrower. (2) Post-modification balances approximate pre-modification balances.

ALLOWANCE FOR CREDIT LOSSES (Ta

ALLOWANCE FOR CREDIT LOSSES (Tables)	9 Months Ended
	Sep. 30, 2020
Credit Loss [Abstract]
Allowance Roll-forward	Allowance for Loan and Lease Losses and Allowance for Credit Losses - Roll-forward The following table presents ALLL and AULC activity by portfolio segment for the three-month and nine-month periods ended September 30, 2020 and 2019. (dollar amounts in millions) Commercial Consumer Total Three-month period ended September 30, 2020: ALLL balance, beginning of period $ 1,169 $ 533 $ 1,702 Loan charge-offs (101) (40) (141) Recoveries of loans previously charged-off 12 16 28 Provision for loan and lease losses 183 24 207 ALLL balance, end of period $ 1,263 $ 533 $ 1,796 AULC balance, beginning of period $ 81 $ 38 $ 119 Provision (reduction in allowance) for unfunded loan commitments and letters of credit (27) (3) (30) Unfunded commitment losses (7) — (7) AULC balance, end of period $ 47 $ 35 $ 82 ACL balance, end of period $ 1,310 $ 568 $ 1,878 Nine-month period ended September 30, 2020: ALLL balance, beginning of period $ 552 $ 231 $ 783 Cumulative-effect of change in accounting principle for financial instruments - credit losses (1) 180 211 391 Loan charge-offs (272) (128) (400) Recoveries of loans previously charged-off 20 43 63 Provision for loan and lease losses 783 176 959 ALLL balance, end of period $ 1,263 $ 533 $ 1,796 AULC balance, beginning of period $ 102 $ 2 $ 104 Cumulative-effect of change in accounting principle for financial instruments - credit losses (1) (38) 40 2 Provision (reduction in allowance) for unfunded loan commitments and letters of credit (7) (7) (14) Unfunded commitment losses (10) — (10) AULC balance, end of period $ 47 $ 35 $ 82 ACL balance, end of period $ 1,310 $ 568 $ 1,878 (1) Relates to day one impact of the CECL adjustment as a result of the implementation of ASU 2016-13. (dollar amounts in millions) Commercial Consumer Total Three-month period ended September 30, 2019: ALLL balance, beginning of period $ 560 $ 214 $ 774 Loan charge-offs (53) (49) (102) Recoveries of loans previously charged-off 15 14 29 Provision for loan and lease losses 39 43 82 ALLL balance, end of period $ 561 $ 222 $ 783 AULC balance, beginning of period $ 99 $ 2 $ 101 Provision (reduction in allowance) for unfunded loan commitments and letters of credit — — — AULC balance, end of period $ 99 $ 2 $ 101 ACL balance, end of period $ 660 $ 224 $ 884 Nine-month period ended September 30, 2019: ALLL balance, beginning of period $ 542 $ 230 $ 772 Loan charge-offs (124) (145) (269) Recoveries of loans previously charged-off 35 42 77 Provision for loan and lease losses 108 95 203 ALLL balance, end of period $ 561 $ 222 $ 783 AULC balance, beginning of period $ 94 $ 2 $ 96 Provision (reduction in allowance) for unfunded loan commitments and letters of credit 5 — 5 AULC balance, end of period $ 99 $ 2 $ 101 ACL balance, end of period $ 660 $ 224 $ 884

MORTGAGE LOAN SALES AND SERVI_2

MORTGAGE LOAN SALES AND SERVICING RIGHTS (Tables)	9 Months Ended
	Sep. 30, 2020
Transfers and Servicing [Abstract]
Summarizes activity relating to loans securitized sold with servicing retained	The following table summarizes activity relating to residential mortgage loans sold with servicing retained for the three-month and nine-month periods ended September 30, 2020 and 2019: Three Months Ended Nine Months Ended (dollar amounts in millions) 2020 2019 2020 2019 Residential mortgage loans sold with servicing retained $ 2,391 $ 1,238 $ 6,106 $ 3,025 Pretax gains resulting from above loan sales (1) 98 26 196 61 (1) Recorded in mortgage banking income
Summarizes activity relating to loans sold with servicing retained using the fair value method	The following table summarizes the changes in MSRs recorded using the fair value method for the three-month and nine-month periods ended September 30, 2020 and 2019 (1): Three Months Ended Nine Months Ended (dollar amounts in millions) 2020 2019 (1) 2020 2019 (1) Fair value, beginning of period $ 172 $ 9 $ 7 $ 10 Fair value election for servicing assets previously measured using the amortized method — — 205 — New servicing assets created 30 — 70 — Change in fair value during the period due to: Time decay (2) (2) — (6) — Payoffs (3) (13) — (29) — Changes in valuation inputs or assumptions (4) 4 (1) (56) (2) Fair value, end of period $ 191 $ 8 $ 191 $ 8 Weighted-average life (years) 6.4 6.2 6.4 6.2 (1) Prior to January 1, 2020, substantially all of Huntington’s MSR assets were recorded at amortized cost. (2) Represents decrease in value due to passage of time, including the impact from both regularly scheduled loan principal payments and partial loan paydowns. (3) Represents decrease in value associated with loans that paid off during the period. (4) Represents change in value resulting primarily from market-driven changes in interest rates and prepayment speeds.
Summary of key assumptions and the sensitivity of the servicing rights value to changes in the assumptions	For MSRs under the fair value method, a summary of key assumptions and the sensitivity of the MSR value to changes in these assumptions at September 30, 2020, and December 31, 2019 follows: September 30, 2020 December 31, 2019 (1) Decline in fair value due to Decline in fair value due to (dollar amounts in millions) Actual 10% 20% Actual 10% 20% Constant prepayment rate (annualized) 15.62 % $ (9) $ (18) 8.21 % $ — $ — Spread over forward interest rate swap rates 798 bps (5) (11) 824 bps — — (1) Prior to January 1, 2020, substantially all of Huntington’s MSR assets were recorded at amortized cost.

OTHER COMPREHENSIVE INCOME (Tab

OTHER COMPREHENSIVE INCOME (Tables)	9 Months Ended
	Sep. 30, 2020
Equity [Abstract]
Components of other comprehensive income	The components of Huntington’s OCI for the three-month and nine-month periods ended September 30, 2020 and 2019, were as follows: Three Months Ended Tax (expense) (dollar amounts in millions) Pretax Benefit After-tax Unrealized gains (losses) on available-for-sale securities arising during the period $ — $ — $ — Less: Reclassification adjustment for realized net losses (gains) included in net income 6 (1) 5 Net change in unrealized holding gains (losses) on available-for-sale securities 6 (1) 5 Net change in fair value on cash flow hedges (52) 12 (40) Net change in pension and other post-retirement obligations 3 (1) 2 Total other comprehensive income (loss) $ (43) $ 10 $ (33) Three Months Ended Tax (expense) (dollar amounts in millions) Pretax Benefit After-tax Unrealized gains (losses) on available-for-sale securities arising during the period $ 81 $ (18) $ 63 Less: Reclassification adjustment for realized net losses (gains) included in net income 8 (2) 6 Net change in unrealized gains (losses) on available-for-sale securities 89 (20) 69 Net change in fair value on cash flow hedges 36 (8) 28 Net change in pension and other post-retirement obligations 1 — 1 Total other comprehensive income (loss) $ 126 $ (28) $ 98 Nine Months Ended Tax (expense) (dollar amounts in millions) Pretax Benefit After-tax Unrealized gains (losses) on available-for-sale securities arising during the period $ 274 $ (61) $ 213 Less: Reclassification adjustment for realized net losses (gains) included in net income 35 (8) 27 Net change in unrealized holding gains (losses) on available-for-sale securities 309 (69) 240 Net change in fair value on cash flow hedges 358 (79) 279 Net change in pension and other post-retirement obligations (1) (8) 2 (6) Total other comprehensive income (loss) $ 659 $ (146) $ 513 (1) Includes a settlement gain recognized in other noninterest income on the Unaudited Condensed Consolidated Statements of Income. Nine Months Ended Tax (expense) (dollar amounts in millions) Pretax Benefit After-tax Unrealized gains (losses) on available-for-sale securities arising during the period $ 428 $ (95) $ 333 Less: Reclassification adjustment for realized net losses (gains) included in net income 21 (5) 16 Net change in unrealized holding gains (losses) on available-for-sale securities 449 (100) 349 Net change in fair value on cash flow hedges 104 (22) 82 Net change in pension and other post-retirement obligations 3 — 3 Total other comprehensive income (loss) $ 556 $ (122) $ 434
Activity in accumulated other comprehensive income, net of tax	Activity in accumulated OCI for the three-month and nine-month periods ended September 30, 2020 and 2019, 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 (2) Total Three Months Ended September 30, 2020 Balance, beginning of period $ 207 $ 342 $ (259) $ 290 Other comprehensive income before reclassifications — (40) — (40) Amounts reclassified from accumulated OCI to earnings 5 — 2 7 Period change 5 (40) 2 (33) Balance, end of period $ 212 $ 302 $ (257) $ 257 Three Months Ended September 30, 2019 Balance, beginning of period $ (83) $ 54 $ (244) $ (273) Other comprehensive income before reclassifications 63 28 — 91 Amounts reclassified from accumulated OCI to earnings 6 — 1 7 Period change 69 28 1 98 Balance, end of period $ (14) $ 82 $ (243) $ (175) (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 (2) Total Nine Months Ended September 30, 2020 Balance, beginning of period $ (28) $ 23 $ (251) $ (256) Other comprehensive income before reclassifications 213 279 — 492 Amounts reclassified from accumulated OCI to earnings 27 — (6) 21 Period change 240 279 (6) 513 Balance, end of period $ 212 $ 302 $ (257) $ 257 Nine Months Ended September 30, 2019 Balance, beginning of period $ (363) $ — $ (246) $ (609) Other comprehensive income before reclassifications 333 82 — 415 Amounts reclassified from accumulated OCI to earnings 16 — 3 19 Period change 349 82 3 434 Balance, end of period $ (14) $ 82 $ (243) $ (175) (1) AOCI amounts at September 30, 2020, June 30, 2020 and September 30, 2019 include $74 million, $81 million and $126 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. (2) Amounts for the nine months ended September 30, 2020 include a settlement gain recognized in other noninterest income on the Unaudited Condensed Consolidated Statements of Income.

SHAREHOLDERS' EQUITY (Tables)

SHAREHOLDERS' EQUITY (Tables)	9 Months Ended
	Sep. 30, 2020
Equity [Abstract]
Schedule of Stock	The following is a summary of Huntington’s non-cumulative, non-voting, perpetual preferred stock outstanding as of September 30, 2020. (dollar amounts in millions) 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 % 4/15/2021 Series D 5/5/2016 200,000 199 6.25 % 4/15/2021 Series C 8/16/2016 100,000 100 5.875 % 10/15/2021 Series E 2/27/2018 5,000 495 5.700 % 4/15/2023 Series F 5/27/2020 5,000 494 5.625 % 7/15/2030 Series G 8/3/2020 5,000 494 4.450 % 10/15/2027 Total 750,500 $ 2,191

EARNINGS PER SHARE (Tables)

EARNINGS PER SHARE (Tables)	9 Months Ended
	Sep. 30, 2020
Earnings Per Share [Abstract]
Basic and diluted earnings loss per share	The calculation of basic and diluted earnings per share for the three-month and nine-month periods ended September 30, 2020 and 2019 was as follows: Three Months Ended Nine Months Ended (dollar amounts in millions, except per share data, share count in thousands) 2020 2019 2020 2019 Basic earnings per common share: Net income $ 303 $ 372 $ 501 $ 1,094 Preferred stock dividends (28) (18) (65) (55) Net income available to common shareholders $ 275 $ 354 $ 436 $ 1,039 Average common shares issued and outstanding 1,017,253 1,034,940 1,017,052 1,042,246 Basic earnings per common share $ 0.27 $ 0.34 $ 0.43 $ 1.00 Diluted earnings per common share: Dilutive potential common shares: Stock options and restricted stock units and awards 9,005 11,930 9,628 12,681 Shares held in deferred compensation plans 5,202 4,403 4,893 4,137 Dilutive potential common shares 14,207 16,333 14,521 16,818 Total diluted average common shares issued and outstanding 1,031,460 1,051,273 1,031,573 1,059,064 Diluted earnings per common share $ 0.27 $ 0.34 $ 0.42 $ 0.98 Anti-dilutive awards (1) 13,954 6,253 12,420 4,900 (1) Reflects the total number of shares related to outstanding options that have been excluded from the computation of diluted earnings per share because the impact would have been anti-dilutive.

NONINTEREST INCOME (Tables)

NONINTEREST INCOME (Tables)	9 Months Ended
	Sep. 30, 2020
Revenue from Contract with Customer [Abstract]
Schedule of Noninterest Income	The following table shows Huntington’s total noninterest income segregated between contracts with customers within the scope of ASC 606 and those within the scope of other GAAP Topics. (dollar amounts in millions) Three Months Ended September 30, Nine Months Ended September 30, Noninterest income 2020 2019 2020 2019 Noninterest income from contracts with customers $ 224 $ 240 $ 652 $ 697 Noninterest income within the scope of other GAAP topics 206 149 530 385 Total noninterest income $ 430 $ 389 $ 1,182 $ 1,082 The following table illustrates the disaggregation by operating segment and major revenue stream and reconciles disaggregated revenue to segment revenue presented in Note 16 “ Segment Reporting ”. Three Months Ended September 30, 2020 (dollar amounts in millions) Consumer & Business Banking Commercial Banking Vehicle Finance RBHPCG Treasury / Other Huntington Consolidated Major Revenue Streams Service charges on deposit accounts $ 54 $ 19 $ 2 $ 1 $ — $ 76 Card and payment processing income 59 4 — — — 63 Trust and investment management services 13 1 — 34 — 48 Insurance income 12 2 — 11 (1) 24 Other noninterest income 6 6 1 3 (3) 13 Net revenue from contracts with customers $ 144 $ 32 $ 3 $ 49 $ (4) $ 224 Noninterest income within the scope of other GAAP topics 130 58 (1) (2) 21 206 Total noninterest income $ 274 $ 90 $ 2 $ 47 $ 17 $ 430 Three Months Ended September 30, 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 $ 79 $ 16 $ 2 $ 1 $ — $ 98 Card and payment processing income 56 4 — — — 60 Trust and investment management services 9 1 — 34 — 44 Insurance income 8 2 — 10 — 20 Other noninterest income 8 7 2 1 — 18 Net revenue from contracts with customers $ 160 $ 30 $ 4 $ 46 $ — $ 240 Noninterest income within the scope of other GAAP topics 63 71 — 1 14 149 Total noninterest income $ 223 $ 101 $ 4 $ 47 $ 14 $ 389 Nine Months Ended September 30, 2020 (dollar amounts in millions) Consumer & Business Banking Commercial Banking Vehicle Finance RBHPCG Treasury / Other Huntington Consolidated Major Revenue Streams Service charges on deposit accounts $ 161 $ 54 $ 4 $ 3 $ — $ 222 Card and payment processing income 163 11 — — — 174 Trust and investment management services 33 3 — 104 — 140 Insurance income 32 5 — 34 1 72 Other noninterest income 18 14 2 11 (1) 44 Net revenue from contracts with customers $ 407 $ 87 $ 6 $ 152 $ — $ 652 Noninterest income within the scope of other GAAP topics 297 174 1 (1) 59 530 Total noninterest income $ 704 $ 261 $ 7 $ 151 $ 59 $ 1,182 Nine Months Ended September 30, 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 $ 221 $ 48 $ 5 $ 3 $ — $ 277 Card and payment processing income 162 11 — — — 173 Trust and investment management services 25 2 — 103 1 131 Insurance income 25 5 — 33 1 64 Other noninterest income 24 17 4 5 2 52 Net revenue from contracts with customers $ 457 $ 83 $ 9 $ 144 $ 4 $ 697 Noninterest income within the scope of other GAAP topics 139 183 — 3 60 385 Total noninterest income $ 596 $ 266 $ 9 $ 147 $ 64 $ 1,082

FAIR VALUES OF ASSETS AND LIA_2

FAIR VALUES OF ASSETS AND LIABILITIES (Tables)	9 Months Ended
	Sep. 30, 2020
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 Assets and liabilities measured at fair value on a recurring basis at September 30, 2020 and December 31, 2019 are summarized below: Fair Value Measurements at Reporting Date Using Netting Adjustments (1) September 30, 2020 (dollar amounts in millions) Level 1 Level 2 Level 3 Assets Trading account securities: Municipal securities $ — $ 54 $ — $ — $ 54 Available-for-sale securities: U.S. Treasury securities 5 — — — 5 Residential CMOs — 4,498 — — 4,498 Residential MBS — 5,761 — — 5,761 Commercial MBS — 807 — — 807 Other agencies — 114 — — 114 Municipal securities — 55 3,089 — 3,144 Private-label CMO — — 5 — 5 Asset-backed securities — 154 49 — 203 Corporate debt — 266 — — 266 Other securities/sovereign debt — 4 — — 4 5 11,659 3,143 — 14,807 Other securities 58 — — — 58 Loans held for sale — 1,118 — — 1,118 Loans held for investment — 68 24 — 92 MSRs — — 191 — 191 Derivative assets — 2,093 50 (1,055) 1,088 Liabilities Derivative liabilities — 1,170 2 (1,062) 110 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 (1) Amounts represent the impact of legally enforceable master netting agreements that allow the Company to settle positive and negative positions and cash collateral held or placed with the same counterparties.
Rollforward of financial instruments measured on a recurring basis and classified as Level 3	The tables below present a rollforward of the balance sheet amounts for the three-month and nine-month periods ended September 30, 2020 and 2019, 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 Loans held for investment (dollar amounts in millions) MSRs Derivative instruments Municipal securities Private- Asset-backed securities Opening balance $ 172 $ 40 $ 3,102 $ 5 $ 56 $ 25 Transfers out of Level 3 (1) — (64) — — — — Total gains/losses for the period: Included in earnings 19 72 (1) — — — Included in OCI — — 60 — — — Purchases/originations — — 154 — — — Repayments — — — — — (1) Settlements — — (226) — (7) — Closing balance $ 191 $ 48 $ 3,089 $ 5 $ 49 $ 24 Change in unrealized gains or losses for the period included in earnings for assets held at end of the reporting date $ 18 $ 8 $ — $ — $ — $ — Change in unrealized gains or losses for the period included in other comprehensive income for assets held at the end of the reporting period — — 62 — — — Level 3 Fair Value Measurements MSRs Derivative instruments Available-for-sale securities Loans held for investment (dollar amounts in millions) Municipal securities Asset-backed securities Opening balance $ 9 $ 9 $ 3,202 $ — $ 28 Transfers out of Level 3 (1) — (20) — — — Total gains/losses for the period: Included in earnings (1) 19 (1) — — Included in OCI — — 24 — — Purchases/originations — — 28 55 — Repayments — — — — (1) Settlements — — (159) — — Closing balance $ 8 $ 8 $ 3,094 $ 55 $ 27 Change in unrealized gains or losses for the period included in earnings for assets held at end of the reporting date $ (1) $ (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 $ — $ — 23 $ — Level 3 Fair Value Measurements Available-for-sale securities Loans held for investment (dollar amounts in millions) MSRs Derivative instruments Municipal securities Private- label CMO Asset-backed securities Opening balance $ 7 $ 6 $ 2,999 $ 2 $ 48 $ 26 Fair value election for servicing assets previously measured using the amortized method 205 — — — — — Transfers out of Level 3 (1) — (139) — — — — Total gains/losses for the period: Included in earnings (21) 181 (2) — — — Included in OCI — — 61 — — — Purchases/originations — — 491 3 28 — Repayments — — — — — (2) Settlements — — (460) — (27) — Closing balance $ 191 $ 48 $ 3,089 $ 5 $ 49 $ 24 Change in unrealized gains or losses for the period included in earnings for assets held at end of the reporting date $ (22) $ 42 $ — $ — $ — $ — Change in unrealized gains or losses for the period included in other comprehensive income for assets held at the end of the reporting period — — 64 — — — 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 $ 10 $ 2 $ 3,165 $ — $ 30 Transfers out of Level 3 (1) — (44) — — — Total gains/losses for the period: Included in earnings (2) 50 (1) — — Included in OCI — — 70 — — Purchases/originations — — 136 55 — Repayments — — — — (3) Settlements — — (276) — — Closing balance $ 8 $ 8 $ 3,094 $ 55 $ 27 Change in unrealized gains or losses for the period included in earnings for assets held at end of the reporting date $ (2) $ 6 $ — $ — $ — Change in unrealized gains or losses for the period included in other comprehensive income for assets held at the end of the reporting period — — $ 68 — (1) Transfers out of Level 3 represent the settlement value of the derivative instruments (i.e. interest rate lock agreements) that is 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 three-month and nine-month periods ended September 30, 2020 and 2019: Level 3 Fair Value Measurements Available-for-sale securities (dollar amounts in millions) MSRs Derivative instruments Municipal securities Classification of gains and losses in earnings: Mortgage banking income $ 19 $ 72 $ — Interest and fee income — — (1) Total $ 19 $ 72 $ (1) Level 3 Fair Value Measurements Available-for-sale securities (dollar amounts in millions) MSRs Derivative instruments Municipal securities Classification of gains and losses in earnings: Mortgage banking income $ (1) $ 19 $ — Interest and fee income — — (1) Total $ (1) $ 19 $ (1) Level 3 Fair Value Measurements Available-for-sale securities (dollar amounts in millions) MSRs Derivative instruments Municipal securities Classification of gains and losses in earnings: Mortgage banking income $ (21) $ 181 $ — Interest and fee income — — (2) Total $ (21) $ 181 $ (2) Level 3 Fair Value Measurements Available-for-sale securities (dollar amounts in millions) MSRs Derivative instruments Municipal securities Classification of gains and losses in earnings: Mortgage banking income $ (2) $ 50 $ — Interest and fee income — — (1) Total $ (2) $ 50 $ (1)
Assets and liabilities under the fair value option	The following tables present the fair value and aggregate principal balance of certain assets and liabilities under the fair value option: September 30, 2020 (dollar amounts in millions) Total Loans Loans that are 90 or more days past due Assets Fair value carrying amount Aggregate unpaid principal Difference Fair value carrying amount Aggregate unpaid principal Difference Loans held for sale $ 1,118 $ 1,057 $ 61 $ 1 $ 1 $ — Loans held for investment 92 97 (5) 5 5 — December 31, 2019 (dollar amounts in millions) Total Loans Loans that are 90 or more days past due Assets Fair value carrying amount Aggregate unpaid principal Difference Fair value carrying amount Aggregate unpaid principal Difference Loans held for sale $ 781 $ 755 $ 26 $ 2 $ 2 $ — Loans held for investment 81 87 (6) 3 4 (1) The following tables present the net gains (losses) from fair value changes for the three-month and nine-month periods ended September 30, 2020 and 2019. Net gains (losses) from fair value changes Net gains (losses) from fair value changes (dollar amounts in millions) Three Months Ended September 30, Nine Months Ended September 30, Assets 2020 2019 2020 2019 Loans held for sale (1) $ 13 $ 6 $ 35 $ 12 (1) The net gains (losses) from fair value changes are included in Mortgage banking income on the Unaudited Condensed Consolidated Statements of Income.
Assets measured at fair value on a nonrecurring basis	The amounts measured at fair value on a nonrecurring basis at September 30, 2020 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 Collateral-dependent loans 124 — — 124 (39) Loans held for sale 107 — — 107 (58)
Quantitative information about significant unobservable level 3 fair value measurement inputs	Quantitative Information about Level 3 Fair Value Measurements at September 30, 2020 (1) (dollar amounts in millions) Fair Value Valuation Technique Significant Unobservable Input Range Weighted Average Measured at fair value on a recurring basis: MSRs $ 191 Discounted cash flow Constant prepayment rate 9 % - 23% 16 % Spread over forward interest rate swap rates 5 % - 11% 8 % Derivative assets 50 Consensus Pricing Net market price (1) % - 13% 4 % Estimated Pull through % 4 % - 100% 88 % Municipal securities 3,089 Discounted cash flow Discount rate — % - 8% 3 % Asset-backed securities 49 Cumulative default 0 % - 39% 4 % Loss given default 5 % - 80% 24 % Measured at fair value on a nonrecurring basis: Collateral-dependent loans 124 Appraisal value NA NA Quantitative Information about Level 3 Fair Value Measurements at December 31, 2019 (1) (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 % 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 % 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
Carrying amounts and estimated fair values of financial instruments	The following table provides the carrying amounts and estimated fair values of Huntington’s financial instruments at September 30, 2020 and December 31, 2019: September 30, 2020 (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 $ 6,384 $ — $ — $ 6,384 $ 6,384 Trading account securities — — 54 54 54 Available-for-sale securities — — 14,807 14,807 14,807 Held-to-maturity securities 8,557 — — 8,557 8,970 Other securities 363 — 58 421 421 Loans held for sale — 185 1,118 1,303 1,308 Net loans and leases (1) 79,268 — 92 79,360 80,490 Derivative assets — — 1,088 1,088 1,088 Financial Liabilities Deposits 95,154 — — 95,154 95,350 Short-term borrowings 222 — — 222 222 Long-term debt 9,174 — — 9,174 9,440 Derivative liabilities — — 110 110 110 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 Derivative assets — — 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 Derivative liabilities — — 104 104 104 (1) Includes collateral-dependent loans. The following table presents the level in the fair value hierarchy for the estimated fair values at September 30, 2020 and December 31, 2019: Estimated Fair Value Measurements at Reporting Date Using Netting Adjustments (1) September 30, 2020 (dollar amounts in millions) Level 1 Level 2 Level 3 Financial Assets Trading account securities $ — $ 54 $ — $ 54 Available-for-sale securities 5 11,659 3,143 14,807 Held-to-maturity securities — 8,970 — 8,970 Other securities (2) 58 — — 58 Loans held for sale — 1,118 190 1,308 Net loans and direct financing leases — 68 80,422 80,490 Derivative assets — 2,093 50 $ (1,055) 1,088 Financial Liabilities Deposits — 92,779 2,571 95,350 Short-term borrowings — — 222 222 Long-term debt — 8,877 563 9,440 Derivative liabilities — 1,170 2 (1,062) 110 Estimated Fair Value Measurements at Reporting Date Using Netting Adjustments (1) 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 (2) 54 — — 54 Loans held for sale — 781 98 879 Net loans and direct financing leases — 55 75,122 75,177 Derivative assets — 848 8 $ (404) 452 Financial Liabilities Deposits — 76,790 5,554 82,344 Short-term borrowings — — 2,606 2,606 Long-term debt — 9,439 636 10,075 Derivative liabilities — 519 2 (417) 104

DERIVATIVE FINANCIAL INSTRUME_2

DERIVATIVE FINANCIAL INSTRUMENTS (Tables)	9 Months Ended
	Sep. 30, 2020
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Asset and liability derivatives included in accrued income and other assets	September 30, 2020 December 31, 2019 (dollar amounts in millions) Notional Value Asset Liability Notional Value Asset Liability Derivatives designated as Hedging Instruments Interest rate contracts $ 27,671 $ 858 $ 59 $ 25,927 $ 256 $ 36 Derivatives not designated as Hedging Instruments Interest rate contracts 33,837 1,109 919 27,614 420 314 Foreign exchange contracts 2,691 23 24 2,173 19 18 Commodities contracts 1,899 153 149 3,020 155 152 Equity contracts 477 — 21 427 6 1 Total Contracts $ 66,575 $ 2,143 $ 1,172 $ 59,161 $ 856 $ 521
Gains and (losses) recognized in other comprehensive income (loss) (OCI) for derivatives designated as effective cash flow hedges	The following table presents the amount of gain or loss recognized in income for derivatives not designated as hedging instruments under ASC Subtopic 815-10 in the Unaudited Condensed Consolidated Income Statement for the three-month and nine-month periods ended September 30, 2020 and 2019, respectively. Location of Gain or (Loss) Recognized in Income on Derivative Amount of Gain or (Loss) Recognized in Income on Derivative Three Months Ended Nine Months Ended (dollar amounts in millions) 2020 2019 2020 2019 Interest rate contracts: Customer Capital markets fees $ 10 $ 15 $ 39 $ 38 Mortgage Banking Mortgage banking income 47 28 109 52 Interest Rate Floors Interest and fee income on loans and leases — (1) — 4 Foreign exchange contracts Capital markets fees 7 7 18 22 Commodities contracts Capital markets fees — 1 2 (3) Equity contracts Other noninterest expense (1) (2) (3) (3) Total $ 63 $ 48 $ 165 $ 110
Gross notional values of derivatives used in asset and liability management activities	The following table presents the gross notional values of derivatives used in Huntington’s asset and liability management activities at September 30, 2020 and December 31, 2019, identified by the underlying interest rate-sensitive instruments. September 30, 2020 (dollar amounts in millions) Fair Value Hedges Cash Flow Hedges Economic Hedges Total Instruments associated with: Loans $ — $ 17,375 $ 1,000 $ 18,375 Investment securities 3,309 — — 3,309 Long-term debt 6,987 — — 6,987 Total notional value at September 30, 2020 $ 10,296 $ 17,375 $ 1,000 $ 28,671 December 31, 2019 (dollar amounts in millions) Fair Value Hedges Cash Flow Hedges Economic 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
Increase or (decrease) to interest expense for derivatives designated as fair value hedges	The following table presents the change in fair value for derivatives designated as fair value hedges as well as the offsetting change in fair value on the hedged item for the three-month and nine-month periods ended September 30, 2020 and 2019. Three Months Ended Nine Months Ended (dollar amounts in millions) 2020 2019 2020 2019 Interest rate contracts Change in fair value of interest rate swaps hedging investment securities (1) $ — $ — $ (1) $ — Change in fair value of hedged investment securities (1) — — 1 — Change in fair value of interest rate swaps hedging long-term debt (2) (36) 36 159 165 Change in fair value of hedged long term debt (2) 35 (32) (160) (162) (1) Recognized in Interest income—available-for-sale securities—taxable in the Unaudited Condensed Consolidated Statements of Income (2) Recognized in Interest expense—long-term debt in the Unaudited Condensed Consolidated Statements of Income .
Amounts recorded on the balance sheet related to cumulative basis adjustments	As of September 30, 2020, and December 31, 2019, the following amounts were recorded on the balance sheet related to cumulative basis adjustments for fair value hedges. Amortized Cost Cumulative Amount of Fair Value Hedging Adjustment To Hedged Items (dollar amounts in millions) September 30, 2020 December 31, 2019 September 30, 2020 December 31, 2019 Investment securities (1) $ 7,389 $ — $ 1 $ — Long-term debt 7,210 7,578 274 114 Total $ 14,599 $ 7,578 $ 275 $ 114 (1) Amounts include the amortized cost basis of closed portfolios used to designate hedging relationships in which the hedged item is the last layer expected to be remaining at the end of the hedging relationship. As of September 30, 2020, the amortized cost basis of the closed portfolios used in these hedging relationships was $7.2 billion, the cumulative basis adjustments associated with these hedging relationships was $1 million, and the amounts of the designated hedged items were $3.1 billion.
Offsetting of financial assets and derivatives assets	The following tables present the gross amounts of these assets and liabilities with any offsets to arrive at the net amounts recognized in the Unaudited Condensed Consolidated Balance Sheets at September 30, 2020 and December 31, 2019. Offsetting of Financial Assets and Derivative Assets Gross amounts Net amounts of Gross amounts not offset in the (dollar amounts in millions) Gross amounts of recognized assets Financial instruments Cash collateral received Net amount September 30, 2020 $ 2,143 $ (1,055) $ 1,088 $ (130) $ (56) $ 902 December 31, 2019 856 (404) 452 (65) (29) 358
MSR Derivative Hedging	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: (dollar amounts in millions) September 30, 2020 December 31, 2019 Notional value $ 578 $ 778 Trading assets 56 19 Three Months Ended Nine Months Ended (dollar amounts in millions) 2020 2019 2020 2019 Trading gains $ (1) $ 20 $ 61 $ 44
Offsetting of financial liabilities and derivative liabilities	Offsetting of Financial Liabilities and Derivative Liabilities Gross amounts offset in the unaudited condensed consolidated balance sheets Net amounts of liabilities presented in the unaudited condensed consolidated balance sheets Gross amounts not offset in the unaudited condensed consolidated balance sheets (dollar amounts in millions) Gross amounts of recognized liabilities Financial instruments Cash collateral delivered Net amount September 30, 2020 $ 1,172 $ (1,062) $ 110 $ (4) $ (63) $ 43 December 31, 2019 521 (417) 104 — (75) 29

VIEs (Tables)

VIEs (Tables)	9 Months Ended
	Sep. 30, 2020
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Carrying amount and classification of the trusts assets and liabilities	The following tables provide a summary of the assets and liabilities included in Huntington’s Unaudited Condensed 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, but is not the primary beneficiary, to the VIE at September 30, 2020, and December 31, 2019: September 30, 2020 (dollar amounts in millions) Total Assets Total Liabilities Maximum Exposure to Loss Trust Preferred Securities $ 14 $ 252 $ — Affordable Housing Tax Credit Partnerships 862 414 862 Other Investments 271 74 271 Total $ 1,147 $ 740 $ 1,133 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
Summary of Outstanding Trust Preferred Securities	A list of trust preferred securities outstanding at September 30, 2020 follows: (dollar amounts in millions) Rate Principal amount of subordinated note/ debenture issued to trust (1) Investment in unconsolidated subsidiary Huntington Capital I 0.93 % (2) $ 70 $ 6 Huntington Capital II 0.86 (3) 32 3 Sky Financial Capital Trust III 1.63 (4) 72 2 Sky Financial Capital Trust IV 1.63 (4) 74 2 Camco Financial Trust 1.56 (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 September 30, 2020, based on three-month LIBOR +0.70%. (3) Variable effective rate at September 30, 2020, based on three-month LIBOR +0.625%. (4) Variable effective rate at September 30, 2020, based on three-month LIBOR +1.40%. (5) Variable effective rate at September 30, 2020, based on three-month LIBOR +1.33%.
Affordable housing tax credit investments	The following table presents the balances of Huntington’s affordable housing tax credit investments and related unfunded commitments at September 30, 2020 and December 31, 2019. (dollar amounts in millions) September 30, December 31, Affordable housing tax credit investments $ 1,452 $ 1,242 Less: amortization (590) (515) Net affordable housing tax credit investments $ 862 $ 727 Unfunded commitments $ 414 $ 332 The following table presents other information relating to Huntington’s affordable housing tax credit investments for the three-month and nine-month periods ended September 30, 2020 and 2019. Three Months Ended Nine Months Ended (dollar amounts in millions) 2020 2019 2020 2019 Tax credits and other tax benefits recognized $ 29 $ 26 $ 88 $ 79 Proportional amortization expense included in provision for income taxes 25 22 75 66

COMMITMENTS AND CONTINGENT LI_2

COMMITMENTS AND CONTINGENT LIABILITIES (Tables)	9 Months Ended
	Sep. 30, 2020
Commitments and Contingencies Disclosure [Abstract]
Contract amounts of various commitments to extend credit	In the ordinary course of business, Huntington makes various commitments to extend credit that are not reflected in the Unaudited Condensed Consolidated Financial Statements. The contract amounts of these financial agreements at September 30, 2020 and December 31, 2019, were as follows: (dollar amounts in millions) September 30, December 31, Contract amount representing credit risk Commitments to extend credit: Commercial $ 20,606 $ 18,326 Consumer 14,734 14,831 Commercial real estate 1,271 1,364 Standby letters of credit 570 587 Commercial letters of credit 11 8

SEGMENT REPORTING (Tables)

SEGMENT REPORTING (Tables)	9 Months Ended
	Sep. 30, 2020
Segment Reporting [Abstract]
Schedule of Segment Reporting Information, by Segment	Three Months Ended September 30, Income Statements Consumer & Business Banking Commercial Banking Vehicle Finance RBHPCG Treasury / Other Huntington Consolidated (dollar amounts in millions) 2020 Net interest income $ 367 $ 221 $ 110 $ 39 $ 80 $ 817 Provision (benefit) for credit losses 87 87 (12) 15 — 177 Noninterest income 274 90 2 47 17 430 Noninterest expense 450 135 34 56 37 712 Provision (benefit) for income taxes 22 19 19 3 (8) 55 Net income (loss) $ 82 $ 70 $ 71 $ 12 $ 68 $ 303 2019 Net interest income $ 433 $ 263 $ 100 $ 48 $ (45) $ 799 Provision (benefit) for credit losses 35 36 12 (1) — 82 Noninterest income 223 101 4 47 14 389 Noninterest expense 421 142 36 63 5 667 Provision (benefit) for income taxes 42 39 12 7 (33) 67 Net income (loss) $ 158 $ 147 $ 44 $ 26 $ (3) $ 372 Nine Months Ended September 30, Income Statements Consumer & Business Banking Commercial Banking Vehicle Finance RBHPCG Treasury / Other Huntington Consolidated (dollar amounts in millions) 2020 Net interest income $ 1,099 $ 693 $ 316 $ 122 $ 169 $ 2,399 Provision (benefit) for credit losses 200 611 118 16 — 945 Noninterest income 704 261 7 151 59 1,182 Noninterest expense 1,288 400 103 181 67 2,039 Provision (benefit) for income taxes 66 (12) 21 16 5 96 Net income (loss) $ 249 $ (45) $ 81 $ 60 $ 156 $ 501 2019 Net interest income $ 1,371 $ 798 $ 291 $ 153 $ (180) $ 2,433 Provision (benefit) for credit losses 81 103 27 (3) — 208 Noninterest income 596 266 9 147 64 1,082 Noninterest expense 1,247 427 112 193 41 2,020 Provision (benefit) for income taxes 134 113 33 23 (110) 193 Net income (loss) $ 505 $ 421 $ 128 $ 87 $ (47) $ 1,094
Segment Disclosure of Assets and Deposits	Assets at Deposits at (dollar amounts in millions) September 30, December 31, September 30, December 31, Consumer & Business Banking $ 30,966 $ 25,073 $ 59,302 $ 51,675 Commercial Banking 35,503 34,337 23,599 20,762 Vehicle Finance 19,664 20,155 777 376 RBHPCG 6,934 6,665 6,623 6,370 Treasury / Other 27,049 22,772 4,853 3,164 Total $ 120,116 $ 109,002 $ 95,154 $ 82,347

INVESTMENT SECURITIES AND OTH_3

INVESTMENT SECURITIES AND OTHER SECURITIES - Schedule of Amortized Cost, Fair Value, and Gross Unrealized Gains and Losses (Details) - USD ($) $ in Millions	Sep. 30, 2020	Dec. 31, 2019
Available-for-sale securities:
Total available-for-sale securities	$ 14,460	$ 14,063
Gross Gains	374	137
Gross Losses	(27)	(51)
Fair Value	14,807	14,149
Held-to-maturity securities:
Total held-to-maturity securities	8,557	9,070
Gross Gains	413	119
Gross Losses	0	(3)
Fair Value	8,970	9,186
Other securities, cost	421	441
Other securities, fair value	421	441
U.S. Treasury
Available-for-sale securities:
Total available-for-sale securities	5	10
Gross Gains	0	0
Gross Losses	0	0
Fair Value	5	10
Residential CMO
Available-for-sale securities:
Total available-for-sale securities	4,343	5,055
Gross Gains	157	48
Gross Losses	(2)	(18)
Fair Value	4,498	5,085
Held-to-maturity securities:
Total held-to-maturity securities	1,959	2,351
Gross Gains	98	33
Gross Losses	0	(3)
Fair Value	2,057	2,381
Residential MBS
Available-for-sale securities:
Total available-for-sale securities	5,669	4,180
Gross Gains	98	45
Gross Losses	(6)	(3)
Fair Value	5,761	4,222
Held-to-maturity securities:
Total held-to-maturity securities	2,926	2,463
Gross Gains	102	50
Gross Losses	0	0
Fair Value	3,028	2,513
Commercial MBS
Available-for-sale securities:
Total available-for-sale securities	787	979
Gross Gains	22	1
Gross Losses	(2)	(4)
Fair Value	807	976
Held-to-maturity securities:
Total held-to-maturity securities	3,413	3,959
Gross Gains	199	34
Gross Losses	0	0
Fair Value	3,612	3,993
Other agencies
Available-for-sale securities:
Total available-for-sale securities	112	165
Gross Gains	2	1
Gross Losses	0	(1)
Fair Value	114	165
Held-to-maturity securities:
Total held-to-maturity securities	256	293
Gross Gains	14	2
Gross Losses	0	0
Fair Value	270	295
Total U.S. Treasury, federal agency and other agency securities
Available-for-sale securities:
Total available-for-sale securities	10,916	10,389
Gross Gains	279	95
Gross Losses	(10)	(26)
Fair Value	11,185	10,458
Held-to-maturity securities:
Total held-to-maturity securities	8,554	9,066
Gross Gains	413	119
Gross Losses	0	(3)
Fair Value	8,967	9,182
Municipal securities
Available-for-sale securities:
Total available-for-sale securities	3,071	3,044
Gross Gains	89	34
Gross Losses	(16)	(23)
Fair Value	3,144	3,055
Held-to-maturity securities:
Total held-to-maturity securities	3	4
Gross Gains	0	0
Gross Losses	0	0
Fair Value	3	4
Private-label CMO
Available-for-sale securities:
Total available-for-sale securities	5	2
Gross Gains	0	0
Gross Losses	0	0
Fair Value	5	2
Asset-backed securities
Available-for-sale securities:
Total available-for-sale securities	197	575
Gross Gains	6	6
Gross Losses	0	(2)
Fair Value	203	579
Corporate debt
Available-for-sale securities:
Total available-for-sale securities	267	49
Gross Gains	0	2
Gross Losses	(1)	0
Fair Value	266	51
Other securities/Sovereign debt
Available-for-sale securities:
Total available-for-sale securities	4	4
Gross Gains	0	0
Gross Losses	0	0
Fair Value	4	4
Mutual funds
Held-to-maturity securities:
Other securities, cost	49	53
Other securities, fair value	49	53
Equity securities
Held-to-maturity securities:
Other securities, cost	9	1
Other securities, fair value	9	1
Federal Home Loan Bank stock | Non-marketable equity securities:
Held-to-maturity securities:
Other securities, cost	64	90
Other securities, fair value	64	90
Federal Reserve Bank stock | Non-marketable equity securities:
Held-to-maturity securities:
Other securities, cost	299	297
Other securities, fair value	$ 299	$ 297

INVESTMENT SECURITIES AND OTH_4

INVESTMENT SECURITIES AND OTHER SECURITIES - Contractual Maturities (Details) - USD ($) $ in Millions	Sep. 30, 2020	Dec. 31, 2019
Available-for-sale securities, amortized cost:
Under 1 year	$ 349	$ 231
After 1 year through 5 years	1,198	1,196
After 5 years through 10 years	1,522	1,594
After 10 years	11,391	11,042
Total available-for-sale securities	14,460	14,063
Available-for-sale securities, fair value:
Under 1 year	345	229
After 1 year through 5 years	1,203	1,189
After 5 years through 10 years	1,562	1,606
After 10 years	11,697	11,125
Total available-for-sale securities	14,807	14,149
Held-to-maturity securities, amortized cost:
Under 1 year	0	0
After 1 year through 5 years	137	17
After 5 years through 10 years	173	300
After 10 years	8,247	8,753
Total held-to-maturity securities	8,557	9,070
Held-to-maturity securities, fair value:
Under 1 year	0	0
After 1 year through 5 years	145	17
After 5 years through 10 years	181	305
After 10 years	8,644	8,864
Total held-to-maturity securities	$ 8,970	$ 9,186

INVESTMENT SECURITIES AND OTH_5

INVESTMENT SECURITIES AND OTHER SECURITIES - Continuous Unrealized Loss Position (Details) - USD ($) $ in Millions	Sep. 30, 2020	Dec. 31, 2019
Available-for-sale securities:
Less than 12 months, fair value	$ 2,497	$ 3,323
Less than 12 months, gross unrealized losses	(14)	(21)
12 months or longer, fair value	684	2,041
12 months or longer, gross unrealized losses	(13)	(30)
Total, fair value	3,181	5,364
Total, gross unrealized losses	(27)	(51)
Held-to-maturity securities:
Less than 12 months, fair value	0	678
Less than 12 months, gross unrealized losses	0	(1)
12 months or longer, fair value	0	112
12 months or longer, gross unrealized losses	0	(2)
Total, fair value	0	790
Total, gross unrealized losses	0	3
Residential CMO
Available-for-sale securities:
Less than 12 months, fair value	209	1,206
Less than 12 months, gross unrealized losses	(2)	(10)
12 months or longer, fair value	0	519
12 months or longer, gross unrealized losses	0	(8)
Total, fair value	209	1,725
Total, gross unrealized losses	(2)	(18)
Held-to-maturity securities:
Less than 12 months, fair value	0	218
Less than 12 months, gross unrealized losses	0	(1)
12 months or longer, fair value	0	112
12 months or longer, gross unrealized losses	0	(2)
Total, fair value	0	330
Total, gross unrealized losses	0	3
Residential MBS
Available-for-sale securities:
Less than 12 months, fair value	1,849	1,169
Less than 12 months, gross unrealized losses	(6)	(3)
12 months or longer, fair value	0	9
12 months or longer, gross unrealized losses	0	0
Total, fair value	1,849	1,178
Total, gross unrealized losses	(6)	(3)
Held-to-maturity securities:
Less than 12 months, fair value	0	317
Less than 12 months, gross unrealized losses	0	0
12 months or longer, fair value	0	0
12 months or longer, gross unrealized losses	0	0
Total, fair value	0	317
Total, gross unrealized losses	0	0
Commercial MBS
Available-for-sale securities:
Less than 12 months, fair value	27	472
Less than 12 months, gross unrealized losses	(2)	(2)
12 months or longer, fair value	0	272
12 months or longer, gross unrealized losses	0	(2)
Total, fair value	27	744
Total, gross unrealized losses	(2)	(4)
Held-to-maturity securities:
Less than 12 months, fair value	0	81
Less than 12 months, gross unrealized losses	0	0
12 months or longer, fair value	0	0
12 months or longer, gross unrealized losses	0	0
Total, fair value	0	81
Total, gross unrealized losses	0	0
Other agencies
Available-for-sale securities:
Less than 12 months, fair value	0	86
Less than 12 months, gross unrealized losses	0	(1)
12 months or longer, fair value	0	0
12 months or longer, gross unrealized losses	0	0
Total, fair value	0	86
Total, gross unrealized losses	0	(1)
Held-to-maturity securities:
Less than 12 months, fair value	0	58
Less than 12 months, gross unrealized losses	0	0
12 months or longer, fair value	0	0
12 months or longer, gross unrealized losses	0	0
Total, fair value	0	58
Total, gross unrealized losses	0	0
Total U.S. Treasury, federal agency and other agency securities
Available-for-sale securities:
Less than 12 months, fair value	2,085	2,933
Less than 12 months, gross unrealized losses	(10)	(16)
12 months or longer, fair value	0	800
12 months or longer, gross unrealized losses	0	(10)
Total, fair value	2,085	3,733
Total, gross unrealized losses	(10)	(26)
Held-to-maturity securities:
Less than 12 months, fair value	0	674
Less than 12 months, gross unrealized losses	0	(1)
12 months or longer, fair value	0	112
12 months or longer, gross unrealized losses	0	(2)
Total, fair value	0	786
Total, gross unrealized losses	0	3
Municipal securities
Available-for-sale securities:
Less than 12 months, fair value	166	273
Less than 12 months, gross unrealized losses	(3)	(4)
12 months or longer, fair value	684	1,204
12 months or longer, gross unrealized losses	(13)	(19)
Total, fair value	850	1,477
Total, gross unrealized losses	(16)	(23)
Held-to-maturity securities:
Less than 12 months, fair value	0	4
Less than 12 months, gross unrealized losses	0	0
12 months or longer, fair value	0	0
12 months or longer, gross unrealized losses	0	0
Total, fair value	0	4
Total, gross unrealized losses	0	0
Asset-backed securities
Available-for-sale securities:
Less than 12 months, fair value	16	116
Less than 12 months, gross unrealized losses	0	(1)
12 months or longer, fair value	0	37
12 months or longer, gross unrealized losses	0	(1)
Total, fair value	16	153
Total, gross unrealized losses	0	(2)
Corporate debt
Available-for-sale securities:
Less than 12 months, fair value	230	1
Less than 12 months, gross unrealized losses	(1)	0
12 months or longer, fair value	0	0
12 months or longer, gross unrealized losses	0	0
Total, fair value	230	1
Total, gross unrealized losses	$ (1)	$ 0

INVESTMENT SECURITIES AND OTH_6

INVESTMENT SECURITIES AND OTHER SECURITIES - Narrative (Details) - USD ($) $ in Millions	3 Months Ended	9 Months Ended
	Mar. 31, 2020	Sep. 30, 2020	Sep. 30, 2019	Dec. 31, 2019
Investments, Debt and Equity Securities [Abstract]
Transfer of securities from available-for-sale to held-to-maturity	$ 1,500	$ 1,520	$ 0
Unrealized Net Losses Recognized In OCI At Time Of Transfer Of Available For Sale Securities Transferred To Held To Maturity Securities	$ 22
Pledged Financial Instruments, Not Separately Reported, Securities for Other Debt Facilities		$ 16,800		$ 3,800

LOANS _ LEASES - Narrative (Det

LOANS / LEASES - Narrative (Details) - USD ($) $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019	Dec. 31, 2019
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases receivable net premium	$ 454		$ 454		$ 525
Residual Value of Leased Asset	97		97		95
Future lease rental payments	1,800		1,800
Capital Leases, Future Minimum Payments Receivable, Next Twelve Months	600		600
Capital Leases, Future Minimum Payments, Receivable in Two Years	500		500
Capital Leases, Future Minimum Payments, Receivable in Three Years	300		300
Capital Leases, Future Minimum Payments, Receivable in Four Years	200		200
Capital Leases, Future Minimum Payments, Receivable in Five Years	100		100
Capital Leases, Future Minimum Payments, Receivable Thereafter	100		100
Direct Financing Lease, Interest Income	26	$ 28	$ 81	$ 81
Number of days past due			30 days
Financing Receivable, Modifications, Effect of Modification	1	$ 1	$ 6	$ (1)
Loans and Leases Receivable, Collateral for Secured Borrowings	$ 43,400		$ 43,400		$ 39,600

LOANS _ LEASES - Loan and Lease

LOANS / LEASES - Loan and Lease Portfolio Composition (Details) - USD ($) $ in Millions		Sep. 30, 2020	Jun. 30, 2020	Dec. 31, 2019	Sep. 30, 2019	Jun. 30, 2019	Dec. 31, 2018
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases	[1]	$ 81,156		$ 75,404
Allowance for loan and lease losses		(1,796)	$ (1,702)	(783)	$ (783)	$ (774)	$ (772)
Net loans and leases		79,360		74,621
Commercial and industrial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		34,895		30,664
Commercial real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		7,209		6,674
Automobile
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		12,925		12,797
Home equity
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		8,904		9,093
Residential Mortgage
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		12,031		11,376
RV and marine
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		4,146		3,563
Other Consumer
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		1,046		1,237
Consumer
Accounts, Notes, Loans and Financing Receivable [Line Items]
Allowance for loan and lease losses		(533)	(533)	(231)	(222)	(214)	(230)
Consumer | Automobile
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases				12,797
Consumer | Home equity
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases				9,092
Consumer | RV and marine
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases				3,563
Commercial and industrial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases				30,664
Allowance for loan and lease losses		$ (1,263)	$ (1,169)	$ (552)	$ (561)	$ (560)	$ (542)
[1]	Amounts represent loans for which Huntington has elected the fair value option. See Note 12 “ Fair Values of Assets and Liabilities ”.

LOANS _ LEASES - Direct Financi

LOANS / LEASES - Direct Financing Leases (Details) - Commercial and industrial - USD ($) $ in Millions	Sep. 30, 2020	Dec. 31, 2019
Accounts, Notes, Loans and Financing Receivable [Line Items]
Lease payments receivable	$ 1,751	$ 1,841
Estimated residual value of leased assets	687	728
Gross investment in commercial and industrial lease financing receivables	2,438	2,569
Deferred origination costs	21	19
Deferred fees	(203)	(249)
Capital Leases, Net Investment in Direct Financing Leases	$ 2,256	$ 2,339

LOANS AND LEASES - Nonaccrual L

LOANS AND LEASES - Nonaccrual Loans by Loan Class (Details) - USD ($) $ in Millions	Sep. 30, 2020	Dec. 31, 2019
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonaccrual loans with no ACL	$ 74	$ 111
Total nonaccrual loans	569	468
Commercial and industrial | Commercial and industrial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonaccrual loans with no ACL	65	109
Total nonaccrual loans	388	323
Commercial and industrial | Commercial real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonaccrual loans with no ACL	9	2
Total nonaccrual loans	16	10
Consumer | Automobile
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonaccrual loans with no ACL	0	0
Total nonaccrual loans	5	4
Consumer | Home equity
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonaccrual loans with no ACL	0	0
Total nonaccrual loans	71	59
Consumer | Residential Mortgage
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonaccrual loans with no ACL	0	0
Total nonaccrual loans	88	71
Consumer | RV and marine
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonaccrual loans with no ACL	0	0
Total nonaccrual loans	1	1
Consumer | Other Consumer
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonaccrual loans with no ACL	0	0
Total nonaccrual loans	$ 0	$ 0

LOANS AND LEASES - NALs Past Du

LOANS AND LEASES - NALs Past Due (Details) - USD ($) $ in Millions		Sep. 30, 2020	Dec. 31, 2019
Accounts, Notes, Loans and Financing Receivable [Line Items]
Past Due		$ 762	$ 788
Current		80,302	74,535
Consumer loans		92	81
Loans and leases	[1]	81,156	75,404
90 or more days past due and accruing		175	171
30-59 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Past Due		267	342
60-89  Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Past Due		93	129
90 or  more days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Past Due		402	317
Commercial and industrial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Past Due		188	165
Current		34,707	30,499
Consumer loans		0	0
Loans and leases		34,895	30,664
90 or more days past due and accruing		10	11
Commercial and industrial | 30-59 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Past Due		54	65
Commercial and industrial | 60-89  Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Past Due		21	31
Commercial and industrial | 90 or  more days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Past Due		113	69
Commercial Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		7,209	6,674
Commercial Real Estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Past Due		21	11
Current		7,188	6,663
Consumer loans		0	0
Loans and leases		7,209	6,674
90 or more days past due and accruing		0	0
Commercial Real Estate | 30-59 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Past Due		6	3
Commercial Real Estate | 60-89  Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Past Due		3	1
Commercial Real Estate | 90 or  more days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Past Due		12	7
Automobile
Accounts, Notes, Loans and Financing Receivable [Line Items]
Past Due		93	125
Current		12,832	12,672
Consumer loans		0	0
Loans and leases		12,925	12,797
90 or more days past due and accruing		8	8
Automobile | 30-59 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Past Due		61	95
Automobile | 60-89  Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Past Due		20	19
Automobile | 90 or  more days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Past Due		12	11
Home equity
Accounts, Notes, Loans and Financing Receivable [Line Items]
Past Due		92	120
Current		8,811	8,972
Consumer loans		1	1
Loans and leases		8,904	9,093
90 or more days past due and accruing		11	14
Home equity | 30-59 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Past Due		23	50
Home equity | 60-89  Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Past Due		11	19
Home equity | 90 or  more days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Past Due		58	51
Residential Mortgage
Accounts, Notes, Loans and Financing Receivable [Line Items]
Past Due		338	322
Current		11,602	10,974
Consumer loans		91	80
Loans and leases		12,031	11,376
90 or more days past due and accruing		142	129
Residential Mortgage | 30-59 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Past Due		104	103
Residential Mortgage | 60-89  Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Past Due		32	49
Residential Mortgage | 90 or  more days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Past Due		202	170
RV and marine
Accounts, Notes, Loans and Financing Receivable [Line Items]
Past Due		17	19
Current		4,129	3,544
Consumer loans		0	0
Loans and leases		4,146	3,563
90 or more days past due and accruing		2	2
RV and marine | 30-59 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Past Due		11	13
RV and marine | 60-89  Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Past Due		3	4
RV and marine | 90 or  more days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Past Due		3	2
Other Consumer
Accounts, Notes, Loans and Financing Receivable [Line Items]
Past Due		13	26
Current		1,033	1,211
Consumer loans		0	0
Loans and leases		1,046	1,237
90 or more days past due and accruing		2	7
Other Consumer | 30-59 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Past Due		8	13
Other Consumer | 60-89  Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Past Due		3	6
Other Consumer | 90 or  more days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Past Due		$ 2	$ 7
[1]	Amounts represent loans for which Huntington has elected the fair value option. See Note 12 “ Fair Values of Assets and Liabilities ”.

LOANS AND LEASES - Vintage Cred

LOANS AND LEASES - Vintage Credit Quality (Details) $ in Millions	Sep. 30, 2020USD ($)
Commercial and industrial
Financing Receivable, Credit Quality Indicator [Line Items]
2020	$ 12,677
2019	5,362
2018	3,311
2017	1,871
2016	1,238
Prior	1,289
Revolver Total at Amortized Cost Basis	9,145
Revolver Total Converted to Term Loans	2
Total	34,895
Commercial and industrial | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
2020	12,017
2019	5,057
2018	3,019
2017	1,621
2016	1,106
Prior	1,084
Revolver Total at Amortized Cost Basis	8,408
Revolver Total Converted to Term Loans	2
Total	32,314
Commercial and industrial | OLEM
Financing Receivable, Credit Quality Indicator [Line Items]
2020	362
2019	134
2018	120
2017	35
2016	42
Prior	22
Revolver Total at Amortized Cost Basis	212
Revolver Total Converted to Term Loans	0
Total	927
Commercial and industrial | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
2020	296
2019	171
2018	167
2017	215
2016	90
Prior	182
Revolver Total at Amortized Cost Basis	525
Revolver Total Converted to Term Loans	0
Total	1,646
Commercial and industrial | Doubtful
Financing Receivable, Credit Quality Indicator [Line Items]
2020	2
2019	0
2018	5
2017	0
2016	0
Prior	1
Revolver Total at Amortized Cost Basis	0
Revolver Total Converted to Term Loans	0
Total	8
Commercial real estate
Financing Receivable, Credit Quality Indicator [Line Items]
2020	1,448
2019	1,751
2018	1,289
2017	662
2016	665
Prior	680
Revolver Total at Amortized Cost Basis	714
Revolver Total Converted to Term Loans	0
Total	7,209
Commercial real estate | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
2020	1,366
2019	1,629
2018	1,203
2017	566
2016	601
Prior	635
Revolver Total at Amortized Cost Basis	675
Revolver Total Converted to Term Loans	0
Total	6,675
Commercial real estate | OLEM
Financing Receivable, Credit Quality Indicator [Line Items]
2020	61
2019	74
2018	73
2017	56
2016	20
Prior	23
Revolver Total at Amortized Cost Basis	1
Revolver Total Converted to Term Loans	0
Total	308
Commercial real estate | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
2020	21
2019	48
2018	13
2017	40
2016	44
Prior	20
Revolver Total at Amortized Cost Basis	38
Revolver Total Converted to Term Loans	0
Total	224
Commercial real estate | Doubtful
Financing Receivable, Credit Quality Indicator [Line Items]
2020	0
2019	0
2018	0
2017	0
2016	0
Prior	2
Revolver Total at Amortized Cost Basis	0
Revolver Total Converted to Term Loans	0
Total	2
Consumer | Automobile
Financing Receivable, Credit Quality Indicator [Line Items]
2020	3,897
2019	4,065
2018	2,445
2017	1,528
2016	734
Prior	256
Revolver Total at Amortized Cost Basis	0
Revolver Total Converted to Term Loans	0
Total	12,925
Consumer | Automobile | 750 plus
Financing Receivable, Credit Quality Indicator [Line Items]
2020	2,145
2019	2,185
2018	1,293
2017	880
2016	406
Prior	126
Revolver Total at Amortized Cost Basis	0
Revolver Total Converted to Term Loans	0
Total	7,035
Consumer | Automobile | 650-749
Financing Receivable, Credit Quality Indicator [Line Items]
2020	1,528
2019	1,546
2018	878
2017	465
2016	224
Prior	78
Revolver Total at Amortized Cost Basis	0
Revolver Total Converted to Term Loans	0
Total	4,719
Consumer | Automobile | Less than 650
Financing Receivable, Credit Quality Indicator [Line Items]
2020	224
2019	334
2018	274
2017	183
2016	104
Prior	52
Revolver Total at Amortized Cost Basis	0
Revolver Total Converted to Term Loans	0
Total	1,171
Consumer | Home equity
Financing Receivable, Credit Quality Indicator [Line Items]
2020	598
2019	42
2018	40
2017	49
2016	135
Prior	755
Revolver Total at Amortized Cost Basis	6,803
Revolver Total Converted to Term Loans	481
Total	8,903
Consumer | Home equity | 750 plus
Financing Receivable, Credit Quality Indicator [Line Items]
2020	502
2019	29
2018	31
2017	36
2016	97
Prior	498
Revolver Total at Amortized Cost Basis	4,493
Revolver Total Converted to Term Loans	192
Total	5,878
Consumer | Home equity | 650-749
Financing Receivable, Credit Quality Indicator [Line Items]
2020	96
2019	12
2018	8
2017	12
2016	31
Prior	181
Revolver Total at Amortized Cost Basis	2,006
Revolver Total Converted to Term Loans	186
Total	2,532
Consumer | Home equity | Less than 650
Financing Receivable, Credit Quality Indicator [Line Items]
2020	0
2019	1
2018	1
2017	1
2016	7
Prior	76
Revolver Total at Amortized Cost Basis	304
Revolver Total Converted to Term Loans	103
Total	493
Consumer | Residential mortgage
Financing Receivable, Credit Quality Indicator [Line Items]
2020	3,199
2019	2,135
2018	1,524
2017	1,644
2016	1,129
Prior	2,309
Revolver Total at Amortized Cost Basis	0
Revolver Total Converted to Term Loans	0
Total	11,940
Consumer | Residential mortgage | 750 plus
Financing Receivable, Credit Quality Indicator [Line Items]
2020	2,416
2019	1,545
2018	1,060
2017	1,229
2016	862
Prior	1,429
Revolver Total at Amortized Cost Basis	0
Revolver Total Converted to Term Loans	0
Total	8,541
Consumer | Residential mortgage | 650-749
Financing Receivable, Credit Quality Indicator [Line Items]
2020	758
2019	516
2018	363
2017	313
2016	194
Prior	526
Revolver Total at Amortized Cost Basis	0
Revolver Total Converted to Term Loans	0
Total	2,670
Consumer | Residential mortgage | Less than 650
Financing Receivable, Credit Quality Indicator [Line Items]
2020	25
2019	74
2018	101
2017	102
2016	73
Prior	354
Revolver Total at Amortized Cost Basis	0
Revolver Total Converted to Term Loans	0
Total	729
Consumer | RV and marine
Financing Receivable, Credit Quality Indicator [Line Items]
2020	1,256
2019	803
2018	869
2017	530
2016	244
Prior	444
Revolver Total at Amortized Cost Basis	0
Revolver Total Converted to Term Loans	0
Total	4,146
Consumer | RV and marine | 750 plus
Financing Receivable, Credit Quality Indicator [Line Items]
2020	988
2019	557
2018	629
2017	360
2016	163
Prior	270
Revolver Total at Amortized Cost Basis	0
Revolver Total Converted to Term Loans	0
Total	2,967
Consumer | RV and marine | 650-749
Financing Receivable, Credit Quality Indicator [Line Items]
2020	264
2019	231
2018	217
2017	147
2016	69
Prior	141
Revolver Total at Amortized Cost Basis	0
Revolver Total Converted to Term Loans	0
Total	1,069
Consumer | RV and marine | Less than 650
Financing Receivable, Credit Quality Indicator [Line Items]
2020	4
2019	15
2018	23
2017	23
2016	12
Prior	33
Revolver Total at Amortized Cost Basis	0
Revolver Total Converted to Term Loans	0
Total	110
Consumer | Other consumer
Financing Receivable, Credit Quality Indicator [Line Items]
2020	101
2019	137
2018	52
2017	16
2016	7
Prior	17
Revolver Total at Amortized Cost Basis	652
Revolver Total Converted to Term Loans	64
Total	1,046
Consumer | Other consumer | 750 plus
Financing Receivable, Credit Quality Indicator [Line Items]
2020	71
2019	64
2018	28
2017	8
2016	4
Prior	10
Revolver Total at Amortized Cost Basis	324
Revolver Total Converted to Term Loans	2
Total	511
Consumer | Other consumer | 650-749
Financing Receivable, Credit Quality Indicator [Line Items]
2020	29
2019	64
2018	21
2017	7
2016	2
Prior	5
Revolver Total at Amortized Cost Basis	300
Revolver Total Converted to Term Loans	31
Total	459
Consumer | Other consumer | Less than 650
Financing Receivable, Credit Quality Indicator [Line Items]
2020	1
2019	9
2018	3
2017	1
2016	1
Prior	2
Revolver Total at Amortized Cost Basis	28
Revolver Total Converted to Term Loans	31
Total	$ 76

LOANS AND LEASES - Credit Quali

LOANS AND LEASES - Credit Quality Indicators (Details) - USD ($) $ in Millions		Sep. 30, 2020	Dec. 31, 2019
Accounts, Notes, Loans and Financing Receivable [Line Items]
Commercial and industrial	[1]	$ 81,156	$ 75,404
Automobile
Accounts, Notes, Loans and Financing Receivable [Line Items]
Commercial and industrial		12,925	12,797
Home equity
Accounts, Notes, Loans and Financing Receivable [Line Items]
Commercial and industrial		8,904	9,093
RV and marine
Accounts, Notes, Loans and Financing Receivable [Line Items]
Commercial and industrial		$ 4,146	3,563
Commercial and industrial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Commercial and industrial			30,664
Commercial and industrial | Pass
Accounts, Notes, Loans and Financing Receivable [Line Items]
Commercial and industrial			28,477
Commercial and industrial | OLEM
Accounts, Notes, Loans and Financing Receivable [Line Items]
Commercial and industrial			634
Commercial and industrial | Substandard
Accounts, Notes, Loans and Financing Receivable [Line Items]
Commercial and industrial			1,551
Commercial and industrial | Doubtful
Accounts, Notes, Loans and Financing Receivable [Line Items]
Commercial and industrial			2
Commercial real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Commercial and industrial			6,674
Commercial real estate | Pass
Accounts, Notes, Loans and Financing Receivable [Line Items]
Commercial and industrial			6,487
Commercial real estate | OLEM
Accounts, Notes, Loans and Financing Receivable [Line Items]
Commercial and industrial			98
Commercial real estate | Substandard
Accounts, Notes, Loans and Financing Receivable [Line Items]
Commercial and industrial			88
Commercial real estate | Doubtful
Accounts, Notes, Loans and Financing Receivable [Line Items]
Commercial and industrial			1
Consumer | Automobile
Accounts, Notes, Loans and Financing Receivable [Line Items]
Commercial and industrial			12,797
Consumer | Automobile | 750 plus
Accounts, Notes, Loans and Financing Receivable [Line Items]
Commercial and industrial			6,759
Consumer | Automobile | 650-749
Accounts, Notes, Loans and Financing Receivable [Line Items]
Commercial and industrial			4,661
Consumer | Automobile | Less than 650
Accounts, Notes, Loans and Financing Receivable [Line Items]
Commercial and industrial			1,377
Consumer | Home equity
Accounts, Notes, Loans and Financing Receivable [Line Items]
Commercial and industrial			9,092
Consumer | Home equity | 750 plus
Accounts, Notes, Loans and Financing Receivable [Line Items]
Commercial and industrial			5,763
Consumer | Home equity | 650-749
Accounts, Notes, Loans and Financing Receivable [Line Items]
Commercial and industrial			2,772
Consumer | Home equity | Less than 650
Accounts, Notes, Loans and Financing Receivable [Line Items]
Commercial and industrial			557
Consumer | Residential mortgage
Accounts, Notes, Loans and Financing Receivable [Line Items]
Commercial and industrial			11,296
Consumer | Residential mortgage | 750 plus
Accounts, Notes, Loans and Financing Receivable [Line Items]
Commercial and industrial			7,976
Consumer | Residential mortgage | 650-749
Accounts, Notes, Loans and Financing Receivable [Line Items]
Commercial and industrial			2,742
Consumer | Residential mortgage | Less than 650
Accounts, Notes, Loans and Financing Receivable [Line Items]
Commercial and industrial			578
Consumer | RV and marine
Accounts, Notes, Loans and Financing Receivable [Line Items]
Commercial and industrial			3,563
Consumer | RV and marine | 750 plus
Accounts, Notes, Loans and Financing Receivable [Line Items]
Commercial and industrial			2,391
Consumer | RV and marine | 650-749
Accounts, Notes, Loans and Financing Receivable [Line Items]
Commercial and industrial			1,053
Consumer | RV and marine | Less than 650
Accounts, Notes, Loans and Financing Receivable [Line Items]
Commercial and industrial			119
Consumer | Other consumer
Accounts, Notes, Loans and Financing Receivable [Line Items]
Commercial and industrial			1,237
Consumer | Other consumer | 750 plus
Accounts, Notes, Loans and Financing Receivable [Line Items]
Commercial and industrial			546
Consumer | Other consumer | 650-749
Accounts, Notes, Loans and Financing Receivable [Line Items]
Commercial and industrial			571
Consumer | Other consumer | Less than 650
Accounts, Notes, Loans and Financing Receivable [Line Items]
Commercial and industrial			$ 120
[1]	Amounts represent loans for which Huntington has elected the fair value option. See Note 12 “ Fair Values of Assets and Liabilities ”.

LOANS AND LEASES - TDRs (Detail

LOANS AND LEASES - TDRs (Details) $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2020USD ($)contract	Sep. 30, 2019USD ($)contract	Sep. 30, 2020USD ($)contract	Sep. 30, 2019USD ($)contract
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of Contracts | contract	1,251	1,535	4,173	4,157
Post-modification outstanding recorded investment	$ 85	$ 64	$ 295	$ 195
Interest rate reduction
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-modification outstanding recorded investment	1	2	3	6
Amortization or maturity date change
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-modification outstanding recorded investment	76	57	216	175
Chapter 7 bankruptcy
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-modification outstanding recorded investment	7	5	16	14
Other
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-modification outstanding recorded investment	$ 1	$ 0	$ 60	$ 0
Commercial and industrial | Commercial and industrial
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of Contracts | contract	39	119	277	335
Post-modification outstanding recorded investment	$ 28	$ 39	$ 174	$ 114
Commercial and industrial | Commercial and industrial | Interest rate reduction
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-modification outstanding recorded investment	0	0	0	0
Commercial and industrial | Commercial and industrial | Amortization or maturity date change
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-modification outstanding recorded investment	28	39	116	114
Commercial and industrial | Commercial and industrial | Chapter 7 bankruptcy
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-modification outstanding recorded investment	0	0	0	0
Commercial and industrial | Commercial and industrial | Other
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-modification outstanding recorded investment	$ 0	$ 0	$ 58	$ 0
Commercial and industrial | Commercial Real Estate
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of Contracts | contract	2	7	11	21
Post-modification outstanding recorded investment	$ 0	$ 1	$ 3	$ 12
Commercial and industrial | Commercial Real Estate | Interest rate reduction
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-modification outstanding recorded investment	0	0	0	0
Commercial and industrial | Commercial Real Estate | Amortization or maturity date change
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-modification outstanding recorded investment	0	1	3	12
Commercial and industrial | Commercial Real Estate | Chapter 7 bankruptcy
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-modification outstanding recorded investment	0	0	0	0
Commercial and industrial | Commercial Real Estate | Other
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-modification outstanding recorded investment	$ 0	$ 0	$ 0	$ 0
Consumer | Automobile
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of Contracts | contract	726	833	2,582	2,227
Post-modification outstanding recorded investment	$ 7	$ 7	$ 31	$ 20
Consumer | Automobile | Interest rate reduction
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-modification outstanding recorded investment	0	0	0	0
Consumer | Automobile | Amortization or maturity date change
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-modification outstanding recorded investment	5	5	26	14
Consumer | Automobile | Chapter 7 bankruptcy
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-modification outstanding recorded investment	2	2	5	6
Consumer | Automobile | Other
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-modification outstanding recorded investment	$ 0	$ 0	$ 0	$ 0
Consumer | Home equity
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of Contracts | contract	90	76	216	248
Post-modification outstanding recorded investment	$ 6	$ 5	$ 13	$ 13
Consumer | Home equity | Interest rate reduction
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-modification outstanding recorded investment	0	0	0	0
Consumer | Home equity | Amortization or maturity date change
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-modification outstanding recorded investment	2	2	5	7
Consumer | Home equity | Chapter 7 bankruptcy
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-modification outstanding recorded investment	3	3	6	6
Consumer | Home equity | Other
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-modification outstanding recorded investment	$ 1	$ 0	$ 2	$ 0
Consumer | Residential Mortgage
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of Contracts | contract	242	69	448	241
Post-modification outstanding recorded investment	$ 42	$ 9	$ 67	$ 28
Consumer | Residential Mortgage | Interest rate reduction
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-modification outstanding recorded investment	0	0	0	0
Consumer | Residential Mortgage | Amortization or maturity date change
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-modification outstanding recorded investment	40	9	62	27
Consumer | Residential Mortgage | Chapter 7 bankruptcy
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-modification outstanding recorded investment	2	0	5	1
Consumer | Residential Mortgage | Other
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-modification outstanding recorded investment	$ 0	$ 0	$ 0	$ 0
Consumer | RV and marine
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of Contracts | contract	30	46	126	113
Post-modification outstanding recorded investment	$ 1	$ 1	$ 4	$ 2
Consumer | RV and marine | Interest rate reduction
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-modification outstanding recorded investment	0	0	0	0
Consumer | RV and marine | Amortization or maturity date change
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-modification outstanding recorded investment	1	1	4	1
Consumer | RV and marine | Chapter 7 bankruptcy
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-modification outstanding recorded investment	0	0	0	1
Consumer | RV and marine | Other
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-modification outstanding recorded investment	$ 0	$ 0	$ 0	$ 0
Consumer | Other Consumer
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of Contracts | contract	122	385	513	972
Post-modification outstanding recorded investment	$ 1	$ 2	$ 3	$ 6
Consumer | Other Consumer | Interest rate reduction
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-modification outstanding recorded investment	1	2	3	6
Consumer | Other Consumer | Amortization or maturity date change
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-modification outstanding recorded investment	0	0	0	0
Consumer | Other Consumer | Chapter 7 bankruptcy
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-modification outstanding recorded investment	0	0	0	0
Consumer | Other Consumer | Other
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-modification outstanding recorded investment	$ 0	$ 0	$ 0	$ 0

ALLOWANCE FOR CREDIT LOSSES - A

ALLOWANCE FOR CREDIT LOSSES - Allowance for Credit Losses (Details) - USD ($) $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019	Jun. 30, 2020	Jan. 01, 2020	Dec. 31, 2019	Jun. 30, 2019	Dec. 31, 2018
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Total ALLL balance	$ 1,796	$ 783	$ 1,796	$ 783	$ 1,702		$ 783	$ 774	$ 772
Financing Receivable, Allowance for Credit Loss, Writeoff	(141)	(102)	(400)	(269)
Allowance for Loan and Lease Loss, Recovery of Bad Debts	28	29	63	77
Provision For (Reduction In Allowance) Loan and Lease Losses.	207	82	959	203
Provision (reduction in allowance) for unfunded loan commitments and letters of credit	(30)	0	(14)	5
Additions to Unfunded Loan Commitments and Letters of Credit Allowance	(7)		10
AULC Balance	82	101	82	101	119		104	101	96
Acl Balance End Of Period	1,878	884	1,878	884		$ 887
Allowance for credit loss, change since adoption			991
Provision increase related to COVID-10 pandemic and other			598
Shareholders’ equity	(12,917)	(11,909)	(12,917)	(11,909)	(12,314)		(11,795)	(11,668)	(11,102)
Retained Earnings [Member]
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Shareholders’ equity	(1,752)	(1,946)	(1,752)	(1,946)	(1,633)		(2,088)	(1,750)	(1,361)
ASU 2016-13
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Total ALLL balance							391
AULC Balance							2
Shareholders’ equity							306
ASU 2016-13 | Retained Earnings [Member]
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Cumulative Effect Of New Accounting Principle In Period Of Adoption Deferred Taxes						87
Shareholders’ equity							306
Consumer
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Total ALLL balance	533	222	533	222	533		231	214	230
Financing Receivable, Allowance for Credit Loss, Writeoff	(40)	(49)	(128)	(145)
Allowance for Loan and Lease Loss, Recovery of Bad Debts	16	14	43	42
Provision For (Reduction In Allowance) Loan and Lease Losses.	24	43	176	95
Provision (reduction in allowance) for unfunded loan commitments and letters of credit	(3)	0	(7)	0
Additions to Unfunded Loan Commitments and Letters of Credit Allowance	0		0
AULC Balance	35	2	35	2	38		2	2	2
Acl Balance End Of Period	568	224	568	224
Consumer | ASU 2016-13
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Total ALLL balance							211
AULC Balance							40
Commercial and industrial
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Total ALLL balance	1,263	561	1,263	561	1,169		552	560	542
Financing Receivable, Allowance for Credit Loss, Writeoff	(101)	(53)	(272)	(124)
Allowance for Loan and Lease Loss, Recovery of Bad Debts	12	15	20	35
Provision For (Reduction In Allowance) Loan and Lease Losses.	183	39	783	108
Provision (reduction in allowance) for unfunded loan commitments and letters of credit	(27)	0	(7)	5
Additions to Unfunded Loan Commitments and Letters of Credit Allowance	(7)		(10)
AULC Balance	47	99	47	99	$ 81		102	$ 99	$ 94
Acl Balance End Of Period	$ 1,310	$ 660	$ 1,310	$ 660
Commercial and industrial | ASU 2016-13
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Total ALLL balance							180
AULC Balance							$ (38)
Cumulative Effect Period Of Adoption Adjustment Member [Member]
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Financing Receivable Allowance For Credit Loss Off Balance Sheet Credit Loss Liability						(2)
Financing Receivable Allowance For Credit Loss Including Off Balance Sheet Credit Loss Liability						(393)
Cumulative Effect Period Of Adoption Adjustment Member [Member] | Consumer
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Financing Receivable Allowance For Credit Loss Including Off Balance Sheet Credit Loss Liability						(211)
Cumulative Effect Period Of Adoption Adjustment Member [Member] | Commercial and industrial
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Financing Receivable Allowance For Credit Loss Including Off Balance Sheet Credit Loss Liability						$ (180)

MORTGAGE LOAN SALES AND SERVI_3

MORTGAGE LOAN SALES AND SERVICING RIGHTS - Narrative (Details) - Residential Mortgage - USD ($) $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019	Dec. 31, 2019
Servicing Assets at Fair Value [Line Items]
Servicing income	$ 16	$ 16	$ 47	$ 47
Unpaid principal balance of third party serviced loans	$ 23,300		$ 23,300		$ 22,400

MORTGAGE LOAN SALES AND SERVI_4

MORTGAGE LOAN SALES AND SERVICING RIGHTS - Residential Mortgage Portfolio (Details) - Commercial Loan [Member] - USD ($) $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019
Servicing Asset at Amortized Cost [Line Items]
Loans sold with servicing retained	$ 2,391	$ 1,238	$ 6,106	$ 3,025
Pretax gains resulting from above loan sales	$ 98	$ 26	$ 196	$ 61

MORTGAGE LOAN SALES AND SERVI_5

MORTGAGE LOAN SALES AND SERVICING RIGHTS - Residential Mortgage Portfolio, MSRs Fair Value Method (Details) - Residential Mortgage - USD ($) $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Jan. 01, 2020	Sep. 30, 2019
Servicing Asset at Fair Value, Amount [Roll Forward]
Fair value, beginning of period	$ 172	$ 9	$ 7	$ 10
Servicing Asset at Fair Value, Additions	30	0	70	0
Time decay	(2)	0	(6)	0
Servicing Asset At Fair Value Payoffs	(13)	0	(29)	0
Changes in valuation inputs or assumptions (less than)	4	(1)	(56)	(2)
Fair value, end of period:	$ 172	$ 9	$ 7	$ 10	$ 191	$ 205	$ 8
Fair value method
Servicing Asset at Fair Value, Amount [Roll Forward]
Weighted-average life (years)	6 years 4 months 24 days	6 years 2 months 12 days	6 years 4 months 24 days	6 years 2 months 12 days

MORTGAGE LOAN SALES AND SERVI_6

MORTGAGE LOAN SALES AND SERVICING RIGHTS - Residential Mortgage Portfolio, MSRs Fair Value Method Key Assumptions (Details) - USD ($) $ in Millions	3 Months Ended	9 Months Ended	12 Months Ended
	Mar. 31, 2020	Sep. 30, 2020	Dec. 31, 2019	Dec. 31, 2018
Servicing Assets at Fair Value [Line Items]
Spread over forward interest rate swap rates, actual		7.98%	8.24%
Fair value method | Residential Mortgage
Servicing Assets at Fair Value [Line Items]
Constant prepayment rate (annualized), actual	8.21%	15.62%
Constant prepayment rate (annualized), 10% adverse change		$ (9)	$ 0
Constant prepayment rate (annualized), 20% adverse change		(18)		$ 0
Spread over forward interest rate swap rates, 10% adverse change		(5)	$ 0
Spread over forward interest rate swap rates, 20% adverse change		$ (11)		$ 0

LONG-TERM DEBT (Details)

LONG-TERM DEBT (Details) - Senior Notes - USD ($)	1 Months Ended
	Jan. 31, 2020	Oct. 20, 2020
Huntington National Bank Senior Note Due February 2023, 1.8 Percent [Member]
Debt Instrument [Line Items]
Debt face amount	$ 500,000,000
Debt percent of value	99.916%
Debt stated interest rate	1.80%
Debt Instrument, Redemption Price, Percentage	100.00%
Huntington National Bank Senior Note Due February 4, 2030 2.550 Percent [Member]
Debt Instrument [Line Items]
Debt face amount	$ 750,000,000
Debt percent of value	99.597%
Debt stated interest rate	2.55%
Debt Instrument, Redemption Price, Percentage	100.00%
Senior Notes Due 2021 [Member] | Subsequent Event [Member]
Debt Instrument [Line Items]
Debt stated interest rate		3.15%
Tender offer to purchase, principal amount		$ 200,000,000
Senior Notes Due 2022 [Member] | Subsequent Event [Member]
Debt Instrument [Line Items]
Debt stated interest rate		2.30%
Tender offer to purchase, principal amount		$ 200,000,000

OTHER COMPREHENSIVE INCOME - Ac

OTHER COMPREHENSIVE INCOME - Activity (Details) - USD ($) $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019
Pretax
Other comprehensive income (loss), pretax	$ (43)	$ 126	$ 659	$ 556
Tax (Expense) Benefit
Total other comprehensive income (loss), tax (expense) benefit	10	(28)	(146)	(122)
After-tax
Other comprehensive income, net of tax	(33)	98	513	434
Other comprehensive income before reclassifications	(40)	91	492	415
Period change	(33)	98	513	434
Unrealized gains and (losses) on debt securities | Debt Securities
Pretax
Other comprehensive income (loss), before reclassifications, before tax	0	81	274	428
Reclassification adjustment, before tax	6	8	35	21
Tax (Expense) Benefit
Other comprehensive income (loss) before reclassifications, tax	0	(18)	(61)	(95)
Reclassification adjustment, tax	(1)	(2)	(8)	(5)
After-tax
Other comprehensive income (loss), before reclassifications, net of tax	0	63	213	333
Reclassification adjustment, net of tax	5	6	27	16
Other comprehensive income, net of tax	5	69	240	349
Other comprehensive income before reclassifications	0	63	213	333
Period change	5	69	240	349
AOCI Attributable to Parent [Member]
After-tax
Other comprehensive income, net of tax	(33)	98	513	434
AOCI, Derivative Qualifying as Hedge, Excluded Component, Parent [Member] | Equity securities
After-tax
Other comprehensive income before reclassifications	(40)	28	279	82
Period change	(40)	28	279	82
Unrealized gains and (losses) on debt securities and Accumulated OTTI | Debt Securities
Pretax
Other comprehensive income (loss), pretax	6	89	309	449
Tax (Expense) Benefit
Total other comprehensive income (loss), tax (expense) benefit	(1)	(20)	(69)	(100)
Unrealized gains and (losses) on cash flow hedging derivatives
Pretax
Other comprehensive income (loss), pretax	(52)	36	358	104
Tax (Expense) Benefit
Total other comprehensive income (loss), tax (expense) benefit		(8)	79	(22)
After-tax
Other comprehensive income, net of tax		28	279	82
Accumulated Other Comprehensive Income (Loss), Derivative Qualifying as Hedge, Excluded Component, Including Portion Attributable to Noncontrolling Interest [Member]
Tax (Expense) Benefit
Total other comprehensive income (loss), tax (expense) benefit	12
After-tax
Other comprehensive income, net of tax	(40)
Unrealized gains (losses) for pension and other post- retirement obligations (2)
Pretax
Other comprehensive income (loss), pretax	3	1	(8)	3
Tax (Expense) Benefit
Total other comprehensive income (loss), tax (expense) benefit	(1)	0	2	0
After-tax
Other comprehensive income, net of tax	2	1	(6)	3
Other comprehensive income before reclassifications	0	0	0	0
Period change	$ 2	$ 1	$ (6)	$ 3

OTHER COMPREHENSIVE INCOME OTHE

OTHER COMPREHENSIVE INCOME OTHER COMPREHENSIVE INCOME - AOCI Roll Forward (Details) - USD ($) $ in Millions	Sep. 30, 2020	Jun. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Balance, beginning of period				$ 12,314	$ 11,668	$ 11,795	$ 11,102
Other comprehensive income before reclassifications				(40)	91	492	415
Amounts reclassified from accumulated OCI to earnings				7	7	21	19
Period change				(33)	98	513	434
Balance, end of period	$ 12,917	$ 12,314	$ 11,909	12,917	11,909	12,917	11,909
Unrealized gains and (losses) on debt securities | Debt Securities
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Balance, beginning of period				207	(83)	(28)	(363)
Other comprehensive income before reclassifications				0	63	213	333
Amounts reclassified from accumulated OCI to earnings				5	6	27	16
Period change				5	69	240	349
Balance, end of period	212	207	(14)	212	(14)	212	(14)
AOCI, Derivative Qualifying as Hedge, Excluded Component, Parent [Member] | Equity securities
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Balance, beginning of period				342	54
Other comprehensive income before reclassifications				(40)	28	279	82
Amounts reclassified from accumulated OCI to earnings				0	0	0	0
Period change				(40)	28	279	82
Balance, end of period	302	342	82	302	82	302	82
Unrealized gains and (losses) on cash flow hedging derivatives
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Balance, beginning of period						23	0
Unrealized gains (losses) for pension and other post- retirement obligations (2)
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Balance, beginning of period				(259)	(244)	(251)	(246)
Other comprehensive income before reclassifications				0	0	0	0
Amounts reclassified from accumulated OCI to earnings				2	1	(6)	3
Period change				2	1	(6)	3
Balance, end of period	(257)	(259)	(243)	(257)	(243)	(257)	(243)
Accumulated Other Comprehensive Loss
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Balance, beginning of period				290	(273)	(256)	(609)
Balance, end of period	257	290	(175)	$ 257	$ (175)	$ 257	$ (175)
Reclassification out of Accumulated Other Comprehensive Income
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Net unrealized loss on securities transfer	$ (74)	$ (81)	$ (126)

SHAREHOLDERS' EQUITY (Details)

SHAREHOLDERS' EQUITY (Details) $ / shares in Units, $ in Thousands	3 Months Ended	9 Months Ended
	Sep. 30, 2020USD ($)$ / sharesshares	Sep. 30, 2020USD ($)$ / sharesRateshares	Jun. 30, 2020USD ($)$ / shares	Dec. 31, 2019USD ($)shares
Class of Stock [Line Items]
Preferred Stock, Shares Outstanding | shares	750,500	750,500		740,500
Preferred Stock, Value, Outstanding	$ 2,191,000	$ 2,191,000
Preferred stock	$ 2,191,000	$ 2,191,000		$ 1,203,000
Series B Preferred Stock
Class of Stock [Line Items]
Depository Share, Percent Interest in Preferred Stock		0.025
Preferred Stock, Shares Outstanding | shares	35,500	35,500
Preferred Stock, Value, Outstanding	$ 23,000	$ 23,000
Preferred Stock, Redemption Date		Jan. 15, 2017
Series C Preferred Stock
Class of Stock [Line Items]
Preferred Stock, Shares Outstanding | shares	100,000	100,000
Preferred Stock, Value, Outstanding	$ 100,000	$ 100,000
Preferred Stock, Redemption Date		Oct. 15, 2021
Preferred Stock, Dividend Rate, Percentage | Rate		5.875%
Series E Preferred Stock
Class of Stock [Line Items]
Preferred Stock, Shares Outstanding | shares	5,000	5,000
Preferred Stock, Value, Outstanding	$ 495,000	$ 495,000
Preferred Stock, Redemption Date		Apr. 15, 2023
Preferred Stock, Dividend Rate, Percentage | Rate		5.70%
Series D Preferred Stock
Class of Stock [Line Items]
Preferred Stock, Shares Outstanding | shares	400,000	400,000
Preferred Stock, Value, Outstanding	$ 386,000	$ 386,000
Preferred Stock, Redemption Date		Apr. 15, 2021
Preferred Stock, Dividend Rate, Percentage | Rate		6.25%
Series D Preferred Stock2 [Member]
Class of Stock [Line Items]
Preferred Stock, Shares Outstanding | shares	200,000	200,000
Preferred Stock, Value, Outstanding	$ 199,000	$ 199,000
Preferred Stock, Redemption Date		Apr. 15, 2021
Preferred Stock, Dividend Rate, Percentage | Rate		6.25%
Series F Preferred Stock
Class of Stock [Line Items]
Preferred Stock, Liquidation Preference Per Share | $ / shares			$ 100,000
Depositary Shares, Liquidation Preference Per Share | $ / shares			$ 1,000
Preferred Stock, Shares Outstanding | shares	5,000	5,000
Preferred Stock, Value, Outstanding	$ 494,000	$ 494,000
Preferred stock			$ 500,000
Depositary Shares, Issued | shares	500,000
Preferred Stock, Par or Stated Value Per Share | $ / shares			$ 0.01
Payments of Stock Issuance Costs	$ 6,000
Preferred Stock, Redemption Date		Jul. 15, 2030
Preferred Stock, Dividend Rate, Percentage	5.625%	5.625%
Preferred Stock, Liquidation Preference, Value	$ 100	$ 100
Series G Preferred Stock
Class of Stock [Line Items]
Preferred Stock, Liquidation Preference Per Share | $ / shares	$ 100,000	$ 100,000
Depositary Shares, Liquidation Preference Per Share | $ / shares	$ 1,000	$ 1,000
Preferred Stock, Shares Outstanding | shares	5,000	5,000
Preferred Stock, Value, Outstanding	$ 494,000	$ 494,000
Preferred stock	$ 500,000	$ 500,000
Depositary Shares, Issued | shares	500,000
Preferred Stock, Par or Stated Value Per Share | $ / shares	$ 0.01	$ 0.01
Payments of Stock Issuance Costs	$ 6,000
Preferred Stock, Redemption Date		Oct. 15, 2027
Preferred Stock, Dividend Rate, Percentage	4.45%	4.45%
London Interbank Offered Rate (LIBOR) | Series B Preferred Stock
Class of Stock [Line Items]
Preferred Stock, Basis Spread On Variable Rate	2.70%	2.70%

EARNINGS PER SHARE (Details)

EARNINGS PER SHARE (Details) - USD ($) $ / shares in Units, shares in Thousands, $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019
Basic earnings per common share:
Net income	$ 303	$ 372	$ 501	$ 1,094
Preferred stock dividends	(28)	(18)	(65)	(55)
Net income available to common shareholders	$ 275	$ 354	$ 436	$ 1,039
Average common shares issued and outstanding (in shares)	1,017,253	1,034,940	1,017,052	1,042,246
Basic earnings per common share (in usd per share)	$ 0.27	$ 0.34	$ 0.43	$ 1
Dilutive potential common shares:
Stock options and restricted stock units and awards	9,005	11,930	9,628	12,681
Shares held in deferred compensation plans	5,202	4,403	4,893	4,137
Dilutive potential common shares	14,207	16,333	14,521	16,818
Total diluted average common shares issued and outstanding (in shares)	1,031,460	1,051,273	1,031,573	1,059,064
Diluted earnings per common share (in usd per share)	$ 0.27	$ 0.34	$ 0.42	$ 0.98
Employee Stock Option
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Options outstanding to purchase common stock shares having antidilutive effect	13,954	6,253	12,420	4,900

NONINTEREST INCOME - Summary of

NONINTEREST INCOME - Summary of Noninterest Income (Details) - USD ($) $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019
Revenue from Contract with Customer [Abstract]
Noninterest income from contracts with customers	$ 224	$ 240	$ 652	$ 697
Noninterest income within the scope of other GAAP topics	206	149	530	385
Total noninterest income	$ 430	$ 389	$ 1,182	$ 1,082

NONINTEREST INCOME - Disaggrega

NONINTEREST INCOME - Disaggregation by Segment (Details) - USD ($) $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	$ 224	$ 240	$ 652	$ 697
Noninterest income within the scope of other GAAP topics	206	149	530	385
Noninterest income	430	389	1,182	1,082
Service charges on deposit accounts
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	76	98	222	277
Card and payment processing income
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	63	60	174	173
Trust and investment management services
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	48	44	140	131
Insurance income
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	24	20	72	64
Other noninterest income
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	13	18	44	52
Operating Segments | Consumer & Business Banking
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	144	160	407	457
Noninterest income within the scope of other GAAP topics	130	63	297	139
Noninterest income	274	223	704	596
Operating Segments | Consumer & Business Banking | Service charges on deposit accounts
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	54	79	161	221
Operating Segments | Consumer & Business Banking | Card and payment processing income
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	59	56	163	162
Operating Segments | Consumer & Business Banking | Trust and investment management services
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	13	9	33	25
Operating Segments | Consumer & Business Banking | Insurance income
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	12	8	32	25
Operating Segments | Consumer & Business Banking | Other noninterest income
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	6	8	18	24
Operating Segments | Commercial Banking
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	32	30	87	83
Noninterest income within the scope of other GAAP topics	58	71	174	183
Noninterest income	90	101	261	266
Operating Segments | Commercial Banking | Service charges on deposit accounts
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	19	16	54	48
Operating Segments | Commercial Banking | Card and payment processing income
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	4	4	11	11
Operating Segments | Commercial Banking | Trust and investment management services
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	1	1	3	2
Operating Segments | Commercial Banking | Insurance income
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	2	2	5	5
Operating Segments | Commercial Banking | Other noninterest income
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	6	7	14	17
Operating Segments | Vehicle Finance
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	3	4	6	9
Noninterest income within the scope of other GAAP topics	(1)	0	1	0
Noninterest income	2	4	7	9
Operating Segments | Vehicle Finance | Service charges on deposit accounts
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	2	2	4	5
Operating Segments | Vehicle Finance | Card and payment processing income
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	0	0	0	0
Operating Segments | Vehicle Finance | Trust and investment management services
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	0	0	0	0
Operating Segments | Vehicle Finance | Insurance income
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	0	0	0	0
Operating Segments | Vehicle Finance | Other noninterest income
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	1	2	2	4
Operating Segments | RBPCG
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	49	46	152	144
Noninterest income within the scope of other GAAP topics	(2)	1	(1)	3
Noninterest income	47	47	151	147
Operating Segments | RBPCG | Service charges on deposit accounts
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	1	1	3	3
Operating Segments | RBPCG | Card and payment processing income
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	0	0	0	0
Operating Segments | RBPCG | Trust and investment management services
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	34	34	104	103
Operating Segments | RBPCG | Insurance income
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	11	10	34	33
Operating Segments | RBPCG | Other noninterest income
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	3	1	11	5
Treasury / Other
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	(4)	0	0	4
Noninterest income within the scope of other GAAP topics	21	14	59	60
Noninterest income	17	14	59	64
Treasury / Other | Service charges on deposit accounts
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	0	0	0	0
Treasury / Other | Card and payment processing income
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	0	0	0	0
Treasury / Other | Trust and investment management services
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	0	0	0	1
Treasury / Other | Insurance income
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	(1)	0	1	1
Treasury / Other | Other noninterest income
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	$ (3)	$ 0	$ (1)	$ 2

FAIR VALUES OF ASSETS AND LIA_3

FAIR VALUES OF ASSETS AND LIABILITIES - Narrative (Details) - USD ($) $ in Millions	Sep. 30, 2020	Dec. 31, 2019
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans Held-for-sale, Fair Value Disclosure	$ 1,118	$ 781
Loans and leases, fair value	$ 92	$ 81

FAIR VALUES OF ASSETS AND LIA_4

FAIR VALUES OF ASSETS AND LIABILITIES - Recurring Basis (Details) - USD ($) $ in Millions	Sep. 30, 2020	Dec. 31, 2019
Assets measured at fair value on a recurring basis
Loans Held-for-sale, Fair Value Disclosure	$ 1,118	$ 781
Consumer loans	92	81
Gross amounts of recognized assets	2,143	856
Derivative assets netting	(1,055)	(404)
Net amounts of assets presented in the condensed consolidated balance sheets	1,088	452
Liabilities measured at fair value on a recurring basis
Gross amounts of recognized liabilities	1,172	521
Gross amounts offset in the condensed consolidated balance sheets	(1,062)	(417)
Derivative liabilities	110	104
Fair Value, Measurements, Recurring
Assets measured at fair value on a recurring basis
Trading account securities		99
Available-for-sale securities	14,807	14,149
Other securities	58	54
Loans Held-for-sale, Fair Value Disclosure	1,118	781
MSRs	191	7
Derivative assets netting	(1,055)	(404)
Net amounts of assets presented in the condensed consolidated balance sheets	1,088	452
Liabilities measured at fair value on a recurring basis
Gross amounts offset in the condensed consolidated balance sheets	(1,062)	(417)
Derivative liabilities	110	104
Fair Value, Measurements, Recurring | Municipal securities
Assets measured at fair value on a recurring basis
Trading account securities	54	63
Available-for-sale securities	3,144	3,055
Fair Value, Measurements, Recurring | Private-label CMO
Assets measured at fair value on a recurring basis
Available-for-sale securities	5	2
Fair Value, Measurements, Recurring | Other securities
Assets measured at fair value on a recurring basis
Trading account securities		32
Available-for-sale securities	4	4
Fair Value, Measurements, Recurring | U.S. Treasury
Assets measured at fair value on a recurring basis
Available-for-sale securities	5	10
Fair Value, Measurements, Recurring | Federal agencies: Mortgage-backed securities
Assets measured at fair value on a recurring basis
Available-for-sale securities	4,498	5,085
Fair Value, Measurements, Recurring | Residential MBS
Assets measured at fair value on a recurring basis
Available-for-sale securities	5,761	4,222
Fair Value, Measurements, Recurring | Commercial MBS
Assets measured at fair value on a recurring basis
Available-for-sale securities	807	976
Fair Value, Measurements, Recurring | Other agencies
Assets measured at fair value on a recurring basis
Trading account securities		4
Available-for-sale securities	114	165
Fair Value, Measurements, Recurring | Asset-backed securities
Assets measured at fair value on a recurring basis
Available-for-sale securities	203	579
Fair Value, Measurements, Recurring | Corporate debt
Assets measured at fair value on a recurring basis
Available-for-sale securities	266	51
Fair Value, Measurements, Recurring | Level 1
Assets measured at fair value on a recurring basis
Trading account securities		30
Available-for-sale securities	5	10
Other securities	58	54
Loans Held-for-sale, Fair Value Disclosure	0	0
Consumer loans	0	0
MSRs	0	0
Gross amounts of recognized assets	0	0
Liabilities measured at fair value on a recurring basis
Gross amounts of recognized liabilities	0	0
Fair Value, Measurements, Recurring | Level 1 | Municipal securities
Assets measured at fair value on a recurring basis
Trading account securities	0	0
Available-for-sale securities	0	0
Fair Value, Measurements, Recurring | Level 1 | Private-label CMO
Assets measured at fair value on a recurring basis
Available-for-sale securities	0	0
Fair Value, Measurements, Recurring | Level 1 | Other securities
Assets measured at fair value on a recurring basis
Trading account securities		30
Available-for-sale securities	0	0
Fair Value, Measurements, Recurring | Level 1 | U.S. Treasury
Assets measured at fair value on a recurring basis
Available-for-sale securities	5	10
Fair Value, Measurements, Recurring | Level 1 | Federal agencies: Mortgage-backed securities
Assets measured at fair value on a recurring basis
Available-for-sale securities	0	0
Fair Value, Measurements, Recurring | Level 1 | Residential MBS
Assets measured at fair value on a recurring basis
Available-for-sale securities	0
Fair Value, Measurements, Recurring | Level 1 | Commercial MBS
Assets measured at fair value on a recurring basis
Available-for-sale securities	0
Fair Value, Measurements, Recurring | Level 1 | Other agencies
Assets measured at fair value on a recurring basis
Trading account securities		0
Available-for-sale securities	0	0
Fair Value, Measurements, Recurring | Level 1 | Asset-backed securities
Assets measured at fair value on a recurring basis
Available-for-sale securities	0	0
Fair Value, Measurements, Recurring | Level 1 | Corporate debt
Assets measured at fair value on a recurring basis
Available-for-sale securities	0	0
Fair Value, Measurements, Recurring | Level 2
Assets measured at fair value on a recurring basis
Trading account securities		69
Available-for-sale securities	11,659	11,090
Loans Held-for-sale, Fair Value Disclosure	1,118	781
Consumer loans	68	55
MSRs	0	0
Gross amounts of recognized assets	2,093	848
Liabilities measured at fair value on a recurring basis
Gross amounts of recognized liabilities	1,170	519
Fair Value, Measurements, Recurring | Level 2 | Municipal securities
Assets measured at fair value on a recurring basis
Trading account securities	54	63
Available-for-sale securities	55	56
Fair Value, Measurements, Recurring | Level 2 | Private-label CMO
Assets measured at fair value on a recurring basis
Available-for-sale securities	0	0
Fair Value, Measurements, Recurring | Level 2 | Other securities
Assets measured at fair value on a recurring basis
Trading account securities		2
Available-for-sale securities	4	4
Fair Value, Measurements, Recurring | Level 2 | U.S. Treasury
Assets measured at fair value on a recurring basis
Available-for-sale securities	0	0
Fair Value, Measurements, Recurring | Level 2 | Federal agencies: Mortgage-backed securities
Assets measured at fair value on a recurring basis
Available-for-sale securities	4,498	5,085
Fair Value, Measurements, Recurring | Level 2 | Residential MBS
Assets measured at fair value on a recurring basis
Available-for-sale securities	5,761	4,222
Fair Value, Measurements, Recurring | Level 2 | Commercial MBS
Assets measured at fair value on a recurring basis
Available-for-sale securities	807	976
Fair Value, Measurements, Recurring | Level 2 | Other agencies
Assets measured at fair value on a recurring basis
Trading account securities		4
Available-for-sale securities	114	165
Fair Value, Measurements, Recurring | Level 2 | Asset-backed securities
Assets measured at fair value on a recurring basis
Available-for-sale securities	154	531
Fair Value, Measurements, Recurring | Level 2 | Corporate debt
Assets measured at fair value on a recurring basis
Available-for-sale securities	266	51
Fair Value, Measurements, Recurring | Level 3
Assets measured at fair value on a recurring basis
Trading account securities		0
Available-for-sale securities	3,143	3,049
Loans Held-for-sale, Fair Value Disclosure	0	0
Consumer loans	24	26
MSRs	191	7
Gross amounts of recognized assets	50	8
Liabilities measured at fair value on a recurring basis
Gross amounts of recognized liabilities	2	2
Fair Value, Measurements, Recurring | Level 3 | Municipal securities
Assets measured at fair value on a recurring basis
Trading account securities	0	0
Available-for-sale securities	3,089	2,999
Fair Value, Measurements, Recurring | Level 3 | Private-label CMO
Assets measured at fair value on a recurring basis
Available-for-sale securities	5	2
Fair Value, Measurements, Recurring | Level 3 | Other securities
Assets measured at fair value on a recurring basis
Trading account securities		0
Available-for-sale securities	0	0
Fair Value, Measurements, Recurring | Level 3 | U.S. Treasury
Assets measured at fair value on a recurring basis
Available-for-sale securities	0	0
Fair Value, Measurements, Recurring | Level 3 | Federal agencies: Mortgage-backed securities
Assets measured at fair value on a recurring basis
Available-for-sale securities	0	0
Fair Value, Measurements, Recurring | Level 3 | Residential MBS
Assets measured at fair value on a recurring basis
Available-for-sale securities	0	0
Fair Value, Measurements, Recurring | Level 3 | Commercial MBS
Assets measured at fair value on a recurring basis
Available-for-sale securities	0	0
Fair Value, Measurements, Recurring | Level 3 | Other agencies
Assets measured at fair value on a recurring basis
Trading account securities		0
Available-for-sale securities	0	0
Fair Value, Measurements, Recurring | Level 3 | Asset-backed securities
Assets measured at fair value on a recurring basis
Available-for-sale securities	49	48
Fair Value, Measurements, Recurring | Level 3 | Corporate debt
Assets measured at fair value on a recurring basis
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		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Jan. 01, 2020	Dec. 31, 2019	Sep. 30, 2019	Dec. 31, 2018
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Fair Value, Net Derivative Asset (Liability) Measured on Recurring Basis with Unobservable Inputs					$ 48		$ 6	$ 8	$ (2)
Assets Level 3 Roll Forward:
Transfers into Level 3			$ 0
Transfers out of Level 3 (1)			(139)	$ (44)
Total gains/losses for the period:
Fair Value, Net Derivative Asset (Liability) Measured on Recurring Basis, Unobservable Inputs Reconciliation, Gain (Loss) Included in Earnings			181	50
Fair Value, Net Derivative Asset (Liability) Measured on Recurring Basis, Unobservable Inputs Reconciliation, Gain (Loss) Included in Other Comprehensive Income (Loss)			0	0
Fair Value, Net Derivative Asset (Liability) Measured on Recurring Basis, Unobservable Inputs Reconciliation, Purchases			0	0
Fair Value, Net Derivative Asset (Liability) Measured on Recurring Basis, Unobservable Inputs Reconciliation, Settlements			0	0
Fair Value, Net Derivative Asset (Liability), Recurring Basis, Still Held, Unrealized Gain (Loss)			42	(6)
MSRs
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Transfers out of Level 3			0	0
Assets Level 3 Roll Forward:
Opening balance	$ 172	$ 9	7	10
Transfers out of Level 3 (1)	0	0
Total gains/losses for the period:
Included in earnings	19	(1)	(21)	(2)
Included in OCI	0	0	0	0
Purchases/originations	0	0	0	0
Repayments	0	0	0	0
Settlements	0	0	0	0
Closing balance	172	9	7	10	191	$ 205	7	8	10
Change in unrealized gains or losses for the period included in earnings for assets held at end of the reporting date	18	(1)	(22)	(2)
Derivative instruments
Assets Level 3 Roll Forward:
Opening balance	40	9
Transfers out of Level 3 (1)	(64)	(20)
Total gains/losses for the period:
Included in earnings	(72)	(19)
Included in OCI	0	0
Purchases/originations	0	0
Repayments	0	0	0	0
Settlements	0	0
Closing balance	40	9			48			8
Change in unrealized gains or losses for the period included in earnings for assets held at end of the reporting date	8	(1)
Municipal securities
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset Transfers Into Level 3			0
Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Transfers out of Level 3			0	0
Assets Level 3 Roll Forward:
Opening balance	3,102	3,202	2,999	3,165
Transfers out of Level 3 (1)	0	0
Total gains/losses for the period:
Included in earnings	(1)	(1)	(2)	(1)
Included in OCI	60	24	61	70
Purchases/originations	154	28	491	136
Repayments	0	0	0	0
Settlements	(226)	(159)	(460)	(276)
Closing balance	3,102	3,202	2,999	3,165	3,089		2,999	3,094	3,165
Change in unrealized gains or losses for the period included in earnings for assets held at end of the reporting date	0	0	0	0
Fair Value, Asset, Recurring Basis, Still Held, Unrealized Gain (Loss), OCI	62	23	64	68
Private-label CMO
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset Transfers Into Level 3			0
Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Transfers out of Level 3			0
Assets Level 3 Roll Forward:
Opening balance	5		2
Transfers out of Level 3 (1)	0
Total gains/losses for the period:
Included in earnings	0		0
Included in OCI	0		0
Purchases/originations	0		3
Repayments	0		0
Settlements	0		0
Closing balance	5		2		5		2
Change in unrealized gains or losses for the period included in earnings for assets held at end of the reporting date	0		0
Asset-backed securities
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset Transfers Into Level 3			0	0
Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Transfers out of Level 3			0
Assets Level 3 Roll Forward:
Opening balance	56	0	48	0
Transfers out of Level 3 (1)	0	0
Total gains/losses for the period:
Included in earnings	0	0	0	0
Included in OCI	0	0	0	55
Purchases/originations	0	55	28	0
Repayments	0	0	0	0
Settlements	(7)	0	(27)
Closing balance	56	0	48	0	49		48	55	0
Change in unrealized gains or losses for the period included in earnings for assets held at end of the reporting date	0	0	0	0
Automobile
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset Transfers Into Level 3			0
Real Estate Loan [Member]
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Transfers out of Level 3			0	0
Assets Level 3 Roll Forward:
Opening balance	25	28	26	30
Transfers out of Level 3 (1)	0	0
Total gains/losses for the period:
Included in earnings	0	0	0	0
Included in OCI	0	0	0	0
Purchases/originations	0	0	0	0
Repayments	(1)	(1)	(2)	(3)
Settlements	0	0	0	0
Closing balance	25	28	26	30	24		26	$ 27	$ 30
Change in unrealized gains or losses for the period included in earnings for assets held at end of the reporting date	$ 0	$ 0	$ 0	$ 0
Fair Value, Recurring [Member]
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Available-for-sale securities					14,807		14,149
Fair Value, Recurring [Member] | Commercial MBS
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Available-for-sale securities					807		976
Fair Value, Recurring [Member] | Residential MBS
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Available-for-sale securities					5,761		4,222
Fair Value, Inputs, Level 2 [Member] | Fair Value, Recurring [Member]
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Available-for-sale securities					11,659		11,090
Fair Value, Inputs, Level 2 [Member] | Fair Value, Recurring [Member] | Commercial MBS
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Available-for-sale securities					807		976
Fair Value, Inputs, Level 2 [Member] | Fair Value, Recurring [Member] | Residential MBS
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Available-for-sale securities					$ 5,761		$ 4,222

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		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Fair Value, Net Derivative Asset (Liability) Measured on Recurring Basis, Unobservable Inputs Reconciliation, Gain (Loss) Included in Earnings			$ 181	$ 50
MSRs
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Gain (Loss) Included in Earnings	$ 19	$ (1)	(21)	(2)
Mortgage banking income	(19)	1
Fair Value, Assets and Liabilities Measured on Recurring Basis, Gain (Loss) Included in Earnings	19	(1)
Fair Value Assets Measured On Recurring Basis Gain Loss Included In Interest and fee income	0	0
Derivative Financial Instruments
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Mortgage banking income	(72)	(19)
Fair Value, Assets and Liabilities Measured on Recurring Basis, Gain (Loss) Included in Earnings	(72)	(19)
Fair Value Assets Measured On Recurring Basis Gain Loss Included In Interest and fee income	0	0
Municipal securities
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Gain (Loss) Included in Earnings	(1)	(1)	(2)	(1)
Mortgage banking income	0	0
Fair Value, Assets and Liabilities Measured on Recurring Basis, Gain (Loss) Included in Earnings	(1)	(1)
Fair Value Assets Measured On Recurring Basis Gain Loss Included In Interest and fee income	(1)	(1)
Asset-backed securities
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Gain (Loss) Included in Earnings	0	$ 0	0	0
Mortgage banking income
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Fair Value, Net Derivative Asset (Liability) Measured on Recurring Basis, Unobservable Inputs Reconciliation, Gain (Loss) Included in Earnings			181	50
Mortgage banking income | MSRs
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Gain (Loss) Included in Earnings			(21)	(2)
Mortgage banking income | Municipal securities
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Gain (Loss) Included in Earnings			$ 0	0
Interest and Fee Income [Member]
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Fair Value, Net Derivative Asset (Liability) Measured on Recurring Basis, Unobservable Inputs Reconciliation, Gain (Loss) Included in Earnings	0			0
Interest and Fee Income [Member] | MSRs
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Gain (Loss) Included in Earnings	0			0
Interest and Fee Income [Member] | Municipal securities
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Gain (Loss) Included in Earnings	$ (2)			$ (1)

FAIR VALUES OF ASSETS AND LIA_7

FAIR VALUES OF ASSETS AND LIABILITIES - Fair Value Option (Details) - USD ($) $ in Millions	Sep. 30, 2020	Dec. 31, 2019
Fair Value, Option, Quantitative Disclosures [Line Items]
Loans Held-for-sale, Fair Value Disclosure	$ 1,118	$ 781
Loans and leases, fair value	92	81
Fair Value, Measurements, Recurring
Fair Value, Option, Quantitative Disclosures [Line Items]
Loans Held-for-sale, Fair Value Disclosure	1,118	781
Fair Value, Measurements, Recurring | Mortgages Held For Sale
Fair Value, Option, Quantitative Disclosures [Line Items]
Loans Held For Sale Unpaid Principal	1,057	755
Difference	(61)	(26)
Fair Value, Measurements, Recurring | Mortgages Held To Maturity
Fair Value, Option, Quantitative Disclosures [Line Items]
Loans and leases, fair value	92	81
Loans Held To Maturity Unpaid Principal	97	87
Difference	(5)	(6)
Fair Value, Measurements, Recurring | 90 or  more days | Mortgages Held For Sale
Fair Value, Option, Quantitative Disclosures [Line Items]
Loans Held-for-sale, Fair Value Disclosure	1	2
Loans Held For Sale Unpaid Principal	1	2
Difference	0	0
Fair Value, Measurements, Recurring | 90 or  more days | Mortgages Held To Maturity
Fair Value, Option, Quantitative Disclosures [Line Items]
Loans and leases, fair value	5	3
Loans Held To Maturity Unpaid Principal	5	4
Difference	$ 0	$ (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	3 Months Ended		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019
Fair Value, Measurements, Recurring
Fair Value, Option, Quantitative Disclosures [Line Items]
Net gains (losses) from fair value changes	$ 13	$ 6	$ 35	$ 12

FAIR VALUES OF ASSETS AND LIA_9

FAIR VALUES OF ASSETS AND LIABILITIES - Non-Recurring Basis (Details) - USD ($) $ in Millions		Sep. 30, 2020	Dec. 31, 2019
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans held for sale	[1]	$ 1,303	$ 877
Long-term debt		9,174	9,849
Amortized Cost		8,557	9,070
Assets measured at fair value on a nonrecurring basis
Net loans and direct financing leases		79,360	74,621
Loans Held-for-sale, Fair Value Disclosure		(1,118)	(781)
Fair Value
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt Securities, Trading, and Equity Securities, FV-NI		54	99
Loans held for sale		1,308	879
Available-for-sale securities		14,807	14,149
Long-term debt		9,440	10,075
Amortized Cost		8,970	9,186
Other Securities		421	441
Assets measured at fair value on a nonrecurring basis
Net loans and direct financing leases		80,490	75,177
Level 1 | Fair Value
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt Securities, Trading, and Equity Securities, FV-NI		0	30
Loans held for sale		0	0
Available-for-sale securities		5	10
Long-term debt		0	0
Amortized Cost		0	0
Assets measured at fair value on a nonrecurring basis
Net loans and direct financing leases		0	0
Level 2 | Fair Value
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt Securities, Trading, and Equity Securities, FV-NI		54	69
Loans held for sale		1,118	781
Available-for-sale securities		11,659	11,090
Long-term debt		8,877	9,439
Amortized Cost		8,970	9,186
Assets measured at fair value on a nonrecurring basis
Net loans and direct financing leases		68	55
Level 3 | Fair Value
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt Securities, Trading, and Equity Securities, FV-NI		0	0
Loans held for sale		190	98
Available-for-sale securities		3,143	3,049
Long-term debt		563	636
Amortized Cost		0	0
Assets measured at fair value on a nonrecurring basis
Net loans and direct financing leases		80,422	75,122
Nonrecurring Basis
Assets measured at fair value on a nonrecurring basis
Collateral-dependent loans			(26)
Nonrecurring Basis | Fair Value
Assets measured at fair value on a nonrecurring basis
Collateral-dependent loans		(124)
Loans Held-for-sale, Fair Value Disclosure		(107)
Nonrecurring Basis | Total Gains/(Losses)
Assets measured at fair value on a nonrecurring basis
Collateral-dependent loans		(39)
Loans Held-for-sale, Fair Value Disclosure		(58)
Nonrecurring Basis | Level 1 | Fair Value
Assets measured at fair value on a nonrecurring basis
Collateral-dependent loans		0
Nonrecurring Basis | Level 2 | Fair Value
Assets measured at fair value on a nonrecurring basis
Collateral-dependent loans		0
Nonrecurring Basis | Level 3
Assets measured at fair value on a nonrecurring basis
MSRs			$ 206
Nonrecurring Basis | Level 3 | Fair Value
Assets measured at fair value on a nonrecurring basis
Collateral-dependent loans		(124)
Loans Held-for-sale, Fair Value Disclosure		$ (107)
[1]	Amounts represent loans for which Huntington has elected the fair value option. See Note 12 “ Fair Values of Assets and Liabilities ”.

FAIR VALUES OF ASSETS AND LI_10

FAIR VALUES OF ASSETS AND LIABILITIES - Significant Unobservable Level 3 Inputs (Details) $ in Millions	Sep. 30, 2020USD ($)	Dec. 31, 2019USD ($)
Fair Value Disclosures [Abstract]
Gross amounts of recognized assets	$ 2,143	$ 856
Derivative Liability, Fair Value, Gross Liability	1,172	521
Consumer loans	92	81
Loans Held-for-sale, Fair Value Disclosure	1,118	781
Fair Value, Measurements, Recurring
Fair Value Disclosures [Abstract]
MSRs	191	7
Available-for-sale securities	14,807	14,149
Loans Held-for-sale, Fair Value Disclosure	1,118	781
Level 3 | Fair Value, Measurements, Recurring
Fair Value Disclosures [Abstract]
MSRs	191	7
Gross amounts of recognized assets	50	8
Derivative Liability, Fair Value, Gross Liability	2	2
Available-for-sale securities	3,143	3,049
Consumer loans	24	26
Loans Held-for-sale, Fair Value Disclosure	0	0
Level 3 | Fair Value, Measurements, Nonrecurring
Fair Value Disclosures [Abstract]
MSRs		206
Residential MBS | Fair Value, Measurements, Recurring
Fair Value Disclosures [Abstract]
Available-for-sale securities	5,761	4,222
Residential MBS | Level 3 | Fair Value, Measurements, Recurring
Fair Value Disclosures [Abstract]
Available-for-sale securities	$ 0	$ 0
Residential MBS | Maximum | Valuation Technique, Discounted Cash Flow [Member] | Level 3 | Measurement Input, Constant Prepayment Rate [Member] | Fair Value, Measurements, Recurring
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Servicing Asset, Measurement Input	0.23	0.26
Residential MBS | Maximum | Valuation Technique, Discounted Cash Flow [Member] | Level 3 | Measurement Input, Constant Prepayment Rate [Member] | Fair Value, Measurements, Nonrecurring
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Servicing Asset, Measurement Input		0.31
Residential MBS | Maximum | Valuation Technique, Discounted Cash Flow [Member] | Level 3 | Measurement Input, Option Adjusted Spread [Member] | Fair Value, Measurements, Recurring
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Servicing Asset, Measurement Input	0.11	0.11
Residential MBS | Maximum | Valuation Technique, Discounted Cash Flow [Member] | Level 3 | Measurement Input, Option Adjusted Spread [Member] | Fair Value, Measurements, Nonrecurring
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Servicing Asset, Measurement Input		0.11
Residential MBS | Minimum | Valuation Technique, Discounted Cash Flow [Member] | Level 3 | Measurement Input, Constant Prepayment Rate [Member] | Fair Value, Measurements, Recurring
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Servicing Asset, Measurement Input	0.09	0
Residential MBS | Minimum | Valuation Technique, Discounted Cash Flow [Member] | Level 3 | Measurement Input, Constant Prepayment Rate [Member] | Fair Value, Measurements, Nonrecurring
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Servicing Asset, Measurement Input		0.10
Residential MBS | Minimum | Valuation Technique, Discounted Cash Flow [Member] | Level 3 | Measurement Input, Option Adjusted Spread [Member] | Fair Value, Measurements, Recurring
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Servicing Asset, Measurement Input	0.05	0.05
Residential MBS | Minimum | Valuation Technique, Discounted Cash Flow [Member] | Level 3 | Measurement Input, Option Adjusted Spread [Member] | Fair Value, Measurements, Nonrecurring
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Servicing Asset, Measurement Input		0.05
Residential MBS | Weighted Average | Valuation Technique, Discounted Cash Flow [Member] | Level 3 | Measurement Input, Constant Prepayment Rate [Member] | Fair Value, Measurements, Recurring
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Servicing Asset, Measurement Input	0.16	0.08
Residential MBS | Weighted Average | Valuation Technique, Discounted Cash Flow [Member] | Level 3 | Measurement Input, Constant Prepayment Rate [Member] | Fair Value, Measurements, Nonrecurring
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Servicing Asset, Measurement Input		0.12
Residential MBS | Weighted Average | Valuation Technique, Discounted Cash Flow [Member] | Level 3 | Measurement Input, Option Adjusted Spread [Member] | Fair Value, Measurements, Recurring
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Servicing Asset, Measurement Input	0.08	0.08
Residential MBS | Weighted Average | Valuation Technique, Discounted Cash Flow [Member] | Level 3 | Measurement Input, Option Adjusted Spread [Member] | Fair Value, Measurements, Nonrecurring
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Servicing Asset, Measurement Input		0.09
Asset-backed securities | Fair Value, Measurements, Recurring
Fair Value Disclosures [Abstract]
Available-for-sale securities	$ 203	$ 579
Asset-backed securities | Level 3 | Fair Value, Measurements, Recurring
Fair Value Disclosures [Abstract]
Available-for-sale securities	49	48
Municipal securities | Fair Value, Measurements, Recurring
Fair Value Disclosures [Abstract]
Available-for-sale securities	3,144	3,055
Municipal securities | Level 3 | Fair Value, Measurements, Recurring
Fair Value Disclosures [Abstract]
Available-for-sale securities	3,089	2,999
Corporate debt | Fair Value, Measurements, Recurring
Fair Value Disclosures [Abstract]
Available-for-sale securities	266	51
Corporate debt | Level 3 | Fair Value, Measurements, Recurring
Fair Value Disclosures [Abstract]
Available-for-sale securities	$ 0	$ 0
Corporate debt | Maximum | Valuation Technique, Discounted Cash Flow [Member] | Level 3 | Measurement Input, Discount Rate [Member] | Fair Value, Measurements, Recurring
Fair Value Disclosures [Abstract]
Debt Securities, Available-for-sale, Measurement Input	0.08	0.03
Corporate debt | Maximum | Valuation Technique, Discounted Cash Flow [Member] | Level 3 | Measurement Input, Default Rate [Member] | Fair Value, Measurements, Recurring
Fair Value Disclosures [Abstract]
Debt Securities, Available-for-sale, Measurement Input	0.39	0.39
Corporate debt | Maximum | Valuation Technique, Discounted Cash Flow [Member] | Level 3 | Measurement Input, Loss Severity [Member] | Fair Value, Measurements, Recurring
Fair Value Disclosures [Abstract]
Debt Securities, Available-for-sale, Measurement Input	0.80	0.80
Corporate debt | Minimum | Valuation Technique, Discounted Cash Flow [Member] | Level 3 | Measurement Input, Discount Rate [Member] | Fair Value, Measurements, Recurring
Fair Value Disclosures [Abstract]
Debt Securities, Available-for-sale, Measurement Input	0	0.02
Corporate debt | Minimum | Valuation Technique, Discounted Cash Flow [Member] | Level 3 | Measurement Input, Default Rate [Member] | Fair Value, Measurements, Recurring
Fair Value Disclosures [Abstract]
Debt Securities, Available-for-sale, Measurement Input	0	0
Corporate debt | Minimum | Valuation Technique, Discounted Cash Flow [Member] | Level 3 | Measurement Input, Loss Severity [Member] | Fair Value, Measurements, Recurring
Fair Value Disclosures [Abstract]
Debt Securities, Available-for-sale, Measurement Input	0.05	0.05
Corporate debt | Weighted Average | Valuation Technique, Discounted Cash Flow [Member] | Level 3 | Measurement Input, Discount Rate [Member] | Fair Value, Measurements, Recurring
Fair Value Disclosures [Abstract]
Debt Securities, Available-for-sale, Measurement Input	0.03	0.02
Corporate debt | Weighted Average | Valuation Technique, Discounted Cash Flow [Member] | Level 3 | Measurement Input, Default Rate [Member] | Fair Value, Measurements, Recurring
Fair Value Disclosures [Abstract]
Debt Securities, Available-for-sale, Measurement Input	0.04	0.04
Corporate debt | Weighted Average | Valuation Technique, Discounted Cash Flow [Member] | Level 3 | Measurement Input, Loss Severity [Member] | Fair Value, Measurements, Recurring
Fair Value Disclosures [Abstract]
Debt Securities, Available-for-sale, Measurement Input	0.24	0.24
Derivative Financial Instruments, Assets [Member] | Maximum | Valuation Technique, Consensus Pricing Model [Member] | Level 3 | Measurement Input, Net Market Price [Member] | Fair Value, Measurements, Recurring
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Derivative Asset, Measurement Input	0.13	0.11
Derivative Financial Instruments, Assets [Member] | Maximum | Valuation Technique, Consensus Pricing Model [Member] | Level 3 | Measurement Input, Estimated Pull Thru [Member] | Fair Value, Measurements, Recurring
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Derivative Asset, Measurement Input	1	1
Derivative Financial Instruments, Assets [Member] | Minimum | Valuation Technique, Consensus Pricing Model [Member] | Level 3 | Measurement Input, Net Market Price [Member] | Fair Value, Measurements, Recurring
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Derivative Asset, Measurement Input	(0.01)	(0.02)
Fair Value Disclosures [Abstract]
Loans held for investment, Measurement Input	0.04
Derivative Financial Instruments, Assets [Member] | Minimum | Valuation Technique, Consensus Pricing Model [Member] | Level 3 | Measurement Input, Estimated Pull Thru [Member] | Fair Value, Measurements, Recurring
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Derivative Asset, Measurement Input	0.04	0.02
Derivative Financial Instruments, Assets [Member] | Minimum | Market Approach Valuation Technique | Level 3 | Measurement Input, Estimated Pull Thru [Member] | Fair Value, Measurements, Recurring
Fair Value Disclosures [Abstract]
Loans held for investment, Measurement Input	0.88
Derivative Financial Instruments, Assets [Member] | Weighted Average | Valuation Technique, Consensus Pricing Model [Member] | Level 3 | Measurement Input, Net Market Price [Member] | Fair Value, Measurements, Recurring
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Derivative Asset, Measurement Input		0.02
Derivative Financial Instruments, Assets [Member] | Weighted Average | Valuation Technique, Consensus Pricing Model [Member] | Level 3 | Measurement Input, Estimated Pull Thru [Member] | Fair Value, Measurements, Recurring
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Derivative Asset, Measurement Input		0.91

FAIR VALUES OF ASSETS AND LI_11

FAIR VALUES OF ASSETS AND LIABILITIES - Balance Sheet Location (Details) - USD ($) $ in Millions		Sep. 30, 2020	Dec. 31, 2019
Financial Assets:
Held-to-maturity securities		$ 8,557	$ 9,070
Loans held for sale	[1]	1,303	877
Net loans and direct financing leases		79,360	74,621
Derivatives		1,088	452
Derivative Asset, Fair Value, Gross Asset		2,143	856
Derivative Asset, Fair Value, Gross Liability and Obligation to Return Cash, Offset		(1,055)	(404)
Financial Liabilities:
Deposits		95,154	82,347
Short-term borrowings		222	2,606
Long-term borrowings		9,174	9,849
Derivatives		110	104
Derivative Liability, Fair Value, Gross Liability		1,172	521
Derivative Liability, Fair Value, Gross Asset and Right to Reclaim Cash, Offset		(1,062)	(417)
Reported Value Measurement [Member]
Financial Assets:
Cash and short term assets		6,384	1,272
Trading account securities		54	99
Available-for-sale securities		14,807	14,149
Held-to-maturity securities		8,557	9,070
Other Securities		421	441
Loans held for sale		1,303	877
Net loans and direct financing leases		79,360	74,621
Derivatives		1,088	452
Financial Liabilities:
Deposits		95,154	82,347
Short-term borrowings		222	2,606
Long-term borrowings		9,174	9,849
Derivatives		110	104
Estimate of Fair Value Measurement [Member]
Financial Assets:
Cash and short term assets		6,384	1,272
Trading account securities		54	99
Available-for-sale securities		14,807	14,149
Held-to-maturity securities		8,970	9,186
Other Securities		421	441
Loans held for sale		1,308	879
Other securities (2)		58	54
Net loans and direct financing leases		80,490	75,177
Derivatives		1,088	452
Financial Liabilities:
Deposits		95,350	82,344
Short-term borrowings		222	2,606
Long-term borrowings		9,440	10,075
Derivatives		110	104
Estimate of Fair Value Measurement [Member] | Level 1
Financial Assets:
Trading account securities		0	30
Available-for-sale securities		5	10
Held-to-maturity securities		0	0
Loans held for sale		0	0
Other securities (2)		58	54
Net loans and direct financing leases		0	0
Financial Liabilities:
Deposits		0	0
Short-term borrowings		0	0
Long-term borrowings		0	0
Estimate of Fair Value Measurement [Member] | Level 2
Financial Assets:
Trading account securities		54	69
Available-for-sale securities		11,659	11,090
Held-to-maturity securities		8,970	9,186
Loans held for sale		1,118	781
Other securities (2)		0	0
Net loans and direct financing leases		68	55
Derivative Asset, Fair Value, Gross Asset		2,093	848
Financial Liabilities:
Deposits		92,779	76,790
Short-term borrowings		0	0
Long-term borrowings		8,877	9,439
Derivative Liability, Fair Value, Gross Liability		1,170	519
Estimate of Fair Value Measurement [Member] | Level 3
Financial Assets:
Trading account securities		0	0
Available-for-sale securities		3,143	3,049
Held-to-maturity securities		0	0
Loans held for sale		190	98
Other securities (2)		0	0
Net loans and direct financing leases		80,422	75,122
Derivative Asset, Fair Value, Gross Asset		50	8
Derivative Asset, Fair Value, Gross Liability and Obligation to Return Cash, Offset		1,055	404
Financial Liabilities:
Deposits		2,571	5,554
Short-term borrowings		222	2,606
Long-term borrowings		563	636
Derivative Liability, Fair Value, Gross Liability		2	2
Derivative Liability, Fair Value, Gross Asset and Right to Reclaim Cash, Offset		(1,062)	(417)
Fair Value, Recurring [Member]
Financial Assets:
Trading account securities			99
Available-for-sale securities		14,807	14,149
Derivatives		1,088	452
Derivative Asset, Fair Value, Gross Liability and Obligation to Return Cash, Offset		(1,055)	(404)
Financial Liabilities:
Derivatives		110	104
Derivative Liability, Fair Value, Gross Asset and Right to Reclaim Cash, Offset		(1,062)	(417)
Fair Value, Recurring [Member] | Level 1
Financial Assets:
Trading account securities			30
Available-for-sale securities		5	10
Derivative Asset, Fair Value, Gross Asset		0	0
Financial Liabilities:
Derivative Liability, Fair Value, Gross Liability		0	0
Fair Value, Recurring [Member] | Level 2
Financial Assets:
Trading account securities			69
Available-for-sale securities		11,659	11,090
Derivative Asset, Fair Value, Gross Asset		2,093	848
Financial Liabilities:
Derivative Liability, Fair Value, Gross Liability		1,170	519
Fair Value, Recurring [Member] | Level 3
Financial Assets:
Trading account securities			0
Available-for-sale securities		3,143	3,049
Derivative Asset, Fair Value, Gross Asset		50	8
Financial Liabilities:
Derivative Liability, Fair Value, Gross Liability		2	2
Other securities | Fair Value, Recurring [Member]
Financial Assets:
Trading account securities			32
Available-for-sale securities		4	4
Other securities | Fair Value, Recurring [Member] | Level 1
Financial Assets:
Trading account securities			30
Available-for-sale securities		0	0
Other securities | Fair Value, Recurring [Member] | Level 2
Financial Assets:
Trading account securities			2
Available-for-sale securities		4	4
Other securities | Fair Value, Recurring [Member] | Level 3
Financial Assets:
Trading account securities			0
Available-for-sale securities		0	0
Amortized Cost [Member] | Reported Value Measurement [Member]
Financial Assets:
Cash and short term assets		6,384	1,272
Held-to-maturity securities		8,557	9,070
Other Securities		363	387
Net loans and direct financing leases		79,268	74,540
Financial Liabilities:
Deposits		95,154	82,347
Short-term borrowings		222	2,606
Long-term borrowings		9,174	9,849
Fair Value Fair Value Option [Member] | Reported Value Measurement [Member]
Financial Assets:
Trading account securities		54	99
Available-for-sale securities		14,807	14,149
Other Securities		58	54
Loans held for sale		1,118	781
Net loans and direct financing leases		92	81
Derivatives		1,088	452
Financial Liabilities:
Derivatives		110	104
LowerOfCostOrMarket [Member] | Reported Value Measurement [Member]
Financial Assets:
Loans held for sale		$ 185	$ 96
[1]	Amounts represent loans for which Huntington has elected the fair value option. See Note 12 “ Fair Values of Assets and Liabilities ”.

DERIVATIVE FINANCIAL INSTRUME_3

DERIVATIVE FINANCIAL INSTRUMENTS - Narrative (Details) $ in Millions	3 Months Ended		9 Months Ended		12 Months Ended
	Sep. 30, 2020USD ($)	Sep. 30, 2019USD ($)	Sep. 30, 2020USD ($)group	Sep. 30, 2019USD ($)	Dec. 31, 2019USD ($)
Derivative [Line Items]
Increase (decrease) to net interest income due to derivative adjustment	$ 82	$ (16)	$ 151	$ (44)
Fair value hedging adjustments			(69)		$ (93)
Derivative, Notional Amount	28,671		28,671		25,927
Credit risks from interest rate swaps used for trading purposes	988		988		407
Derivative Liability	110		$ 110		104
Number of primary groups | group			2
Aggregate credit risk, net of collateral	94		$ 94		22
Investment securities and cash collateral pledged by Huntington	285		285
Investment securities and cash collateral pledged to Huntington	345		345
Loans Payable [Member]
Derivative [Line Items]
Derivative, Notional Amount	18,375		18,375		18,375
Derivative used in trading activity
Derivative [Line Items]
Net derivative asset (liability)	75		75		87
Derivative financial instruments used by Huntington on behalf of customers including offsetting derivatives, notional value	32,000		32,000		30,000
Derivative used in Mortgage Banking Activities
Derivative [Line Items]
Derivative, Notional Amount	578		578		778
Derivative, Fair Value, Net	44		44		6
Fair Value Hedging | Designated as Hedging Instrument [Member]
Derivative [Line Items]
Derivative, Notional Amount	10,296		10,296		7,540
Fair Value Hedging | Designated as Hedging Instrument [Member] | Loans Payable [Member]
Derivative [Line Items]
Derivative, Notional Amount	0		0		0
Cash Flow Hedging | Designated as Hedging Instrument [Member]
Derivative [Line Items]
Derivative, Notional Amount	17,375		17,375		18,387
Cash Flow Hedging | Designated as Hedging Instrument [Member] | Loans Payable [Member]
Derivative [Line Items]
Derivative, Notional Amount	17,375		17,375		18,375
Commitments to Sell Loans [Member]
Derivative [Line Items]
Commitments to sell residential real estate loans	$ 2,700		$ 2,700		$ 1,400

DERIVATIVE FINANCIAL INSTRUME_4

DERIVATIVE FINANCIAL INSTRUMENTS - Hedging Instruments (Details) - USD ($) $ in Millions	Sep. 30, 2020	Dec. 31, 2019
Derivatives, Fair Value [Line Items]
Derivative, Notional Amount	$ 28,671	$ 25,927
Asset derivatives included in accrued income and other assets
Total contracts	2,143	856
Liability derivatives included in accrued expenses and other liabilities
Total contracts	1,172	521
Accrued income and other assets
Asset derivatives included in accrued income and other assets
Interest rate contracts designated as hedging instruments	858	256
Interest rate contracts not designated as hedging instruments	1,109	420
Foreign exchange contracts not designated as hedging instruments	23	19
Commodities contracts not designated as hedging instruments	153	155
Derivative Instruments Not Designated as Hedging Instruments, Asset, at Fair Value	0	6
Total contracts	2,143	856
Accrued expenses and other liabilities
Liability derivatives included in accrued expenses and other liabilities
Interest rate contracts designated as hedging instruments	59	36
Interest rate contracts not designated as hedging instruments	919	314
Foreign exchange contracts not designated as hedging instruments	24	18
Commodities contracts not designated as hedging instruments	149	152
Derivative Instruments Not Designated as Hedging Instruments, Liability, at Fair Value	21	1
Total contracts	1,172	521
Designated as Hedging Instrument [Member] | Accrued income and other assets
Derivatives, Fair Value [Line Items]
Derivative, Notional Amount	27,671	25,927
Not Designated as Hedging Instrument [Member] | Accrued income and other assets
Derivatives, Fair Value [Line Items]
Derivative, Notional Amount	66,575	59,161
Not Designated as Hedging Instrument [Member] | Interest Rate Contract [Member] | Accrued income and other assets
Derivatives, Fair Value [Line Items]
Derivative, Notional Amount	33,837	27,614
Not Designated as Hedging Instrument [Member] | Foreign Exchange Contract [Member] | Accrued income and other assets
Derivatives, Fair Value [Line Items]
Derivative, Notional Amount	2,691	2,173
Not Designated as Hedging Instrument [Member] | Commodity Contract [Member] | Accrued income and other assets
Derivatives, Fair Value [Line Items]
Derivative, Notional Amount	1,899	3,020
Not Designated as Hedging Instrument [Member] | Equity Contract [Member] | Accrued income and other assets
Derivatives, Fair Value [Line Items]
Derivative, Notional Amount	$ 477	$ 427

DERIVATIVE FINANCIAL INSTRUME_5

DERIVATIVE FINANCIAL INSTRUMENTS - Gain (Loss) (Details) - Not Designated as Hedging Instrument [Member] - Fair Value Hedging - USD ($) $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019
Derivative Instruments, Gain (Loss) [Line Items]
Derivative Instruments Not Designated as Hedging Instruments, Gain (Loss), Net	$ 63	$ 48	$ 165	$ 110
Interest Rate Contract [Member] | Capital markets fees
Derivative Instruments, Gain (Loss) [Line Items]
Derivative Instruments Not Designated as Hedging Instruments, Gain (Loss), Net	10	15	39	38
Interest Rate Contract [Member] | Mortgage banking income
Derivative Instruments, Gain (Loss) [Line Items]
Derivative Instruments Not Designated as Hedging Instruments, Gain (Loss), Net	47	28	109	52
Interest Rate Floor [Member] | Other noninterest expense
Derivative Instruments, Gain (Loss) [Line Items]
Derivative Instruments Not Designated as Hedging Instruments, Gain (Loss), Net	0	(1)	0	4
Foreign Exchange Contract [Member] | Capital markets fees
Derivative Instruments, Gain (Loss) [Line Items]
Derivative Instruments Not Designated as Hedging Instruments, Gain (Loss), Net	7	7	18	22
Commodity Contract [Member] | Capital markets fees
Derivative Instruments, Gain (Loss) [Line Items]
Derivative Instruments Not Designated as Hedging Instruments, Gain (Loss), Net	0	1	2	(3)
Equity Contract [Member] | Other noninterest expense
Derivative Instruments, Gain (Loss) [Line Items]
Derivative Instruments Not Designated as Hedging Instruments, Gain (Loss), Net	$ (1)	$ (2)	$ (3)	$ (3)

DERIVATIVE FINANCIAL INSTRUME_6

DERIVATIVE FINANCIAL INSTRUMENTS - Asset and Liability Management (Details) - USD ($) $ in Millions	Sep. 30, 2020	Dec. 31, 2019
Notional Disclosures [Abstract]
Derivative, Notional Amount	$ 28,671	$ 25,927
Not Designated as Hedging Instrument, Economic Hedge
Notional Disclosures [Abstract]
Derivative, Notional Amount	1,000	0
Fair Value Hedging | Designated as Hedging Instrument [Member]
Notional Disclosures [Abstract]
Derivative, Notional Amount	10,296	7,540
Cash Flow Hedging | Designated as Hedging Instrument [Member]
Notional Disclosures [Abstract]
Derivative, Notional Amount	17,375	18,387
Loans Payable [Member]
Notional Disclosures [Abstract]
Derivative, Notional Amount	18,375	18,375
Loans Payable [Member] | Not Designated as Hedging Instrument, Economic Hedge
Notional Disclosures [Abstract]
Derivative, Notional Amount	1,000	0
Loans Payable [Member] | Fair Value Hedging | Designated as Hedging Instrument [Member]
Notional Disclosures [Abstract]
Derivative, Notional Amount	0	0
Loans Payable [Member] | Cash Flow Hedging | Designated as Hedging Instrument [Member]
Notional Disclosures [Abstract]
Derivative, Notional Amount	17,375	18,375
Securities Investment [Member]
Notional Disclosures [Abstract]
Derivative, Notional Amount	3,309	12
Securities Investment [Member] | Not Designated as Hedging Instrument, Economic Hedge
Notional Disclosures [Abstract]
Derivative, Notional Amount		0
Securities Investment [Member] | Fair Value Hedging | Designated as Hedging Instrument [Member]
Notional Disclosures [Abstract]
Derivative, Notional Amount	3,309	0
Securities Investment [Member] | Cash Flow Hedging | Designated as Hedging Instrument [Member]
Notional Disclosures [Abstract]
Derivative, Notional Amount	0	12
Other long-term debt
Notional Disclosures [Abstract]
Derivative, Notional Amount	6,987	7,540
Other long-term debt | Not Designated as Hedging Instrument, Economic Hedge
Notional Disclosures [Abstract]
Derivative, Notional Amount		0
Other long-term debt | Fair Value Hedging | Designated as Hedging Instrument [Member]
Notional Disclosures [Abstract]
Derivative, Notional Amount	6,987	7,540
Other long-term debt | Cash Flow Hedging | Designated as Hedging Instrument [Member]
Notional Disclosures [Abstract]
Derivative, Notional Amount	$ 0	$ 0

DERIVATIVE FINANCIAL INSTRUME_7

DERIVATIVE FINANCIAL INSTRUMENTS - Asset and Liability Management Add Info (Details) - USD ($) $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019	Dec. 31, 2019
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Derivative, Notional Amount	$ 28,671		$ 28,671		$ 25,927
Increase decrease to net interest income due to derivative adjustment	$ 82	$ (16)	$ 151	$ (44)

DERIVATIVE FINANCIAL INSTRUME_8

DERIVATIVE FINANCIAL INSTRUMENTS - Fair Value Hedges (Details) - USD ($) $ in Millions	3 Months Ended		9 Months Ended		12 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019	Dec. 31, 2019
Derivative Instruments, Gain (Loss) [Line Items]
Amortized Cost	$ 14,599		$ 14,599		$ 7,578
Cumulative Amount of Fair Value Hedging Adjustment To Hedged Items	275		275		114
Fair value hedging adjustments			69		93
Investment Securities [Member]
Derivative Instruments, Gain (Loss) [Line Items]
Amortized Cost	7,389		7,389		0
Cumulative Amount of Fair Value Hedging Adjustment To Hedged Items	1		1		0
Amortized cost basis of the closed portfolios used in hedging relationships	7,200		7,200
Designated hedged items	3,100		3,100
Subordinated notes [Member]
Derivative Instruments, Gain (Loss) [Line Items]
Amortized Cost	7,210		7,210		7,578
Cumulative Amount of Fair Value Hedging Adjustment To Hedged Items	274		274		$ 114
Interest income available for sale securities taxable [Member] | Investment Securities [Member]
Derivative Instruments, Gain (Loss) [Line Items]
Change in fair value for derivatives designated as fair value hedges	0	$ 0	(1)	$ 0
Interest income available for sale securities taxable [Member] | Hedged investment securities [Member]
Derivative Instruments, Gain (Loss) [Line Items]
Change in fair value for derivatives designated as fair value hedges	0	0	1	0
Interest expense subordinated notes and other long term debt [Member] | Subordinated notes [Member]
Derivative Instruments, Gain (Loss) [Line Items]
Change in fair value for derivatives designated as fair value hedges	(36)	36	159	165
Interest expense subordinated notes and other long term debt [Member] | Hedged Subordinated notes [Member]
Derivative Instruments, Gain (Loss) [Line Items]
Change in fair value for derivatives designated as fair value hedges	$ 35	$ (32)	$ (160)	$ (162)

DERIVATIVE FINANCIAL INSTRUME_9

DERIVATIVE FINANCIAL INSTRUMENTS - Cash Flow Hedges (Details) - USD ($) $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019	Dec. 31, 2019
Derivative Instruments, Gain (Loss) [Line Items]
Gain (Loss) on Interest Rate Cash Flow Hedge Ineffectiveness	$ (40)	$ 28	$ 279	$ 82
Derivative, Notional Amount	28,671		28,671		$ 25,927
Loans Payable [Member]
Derivative Instruments, Gain (Loss) [Line Items]
Derivative, Notional Amount	$ 18,375		$ 18,375		$ 18,375

DERIVATIVE FINANCIAL INSTRUM_10

DERIVATIVE FINANCIAL INSTRUMENTS - MSR Hedging Activities (Details) - USD ($) $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019	Dec. 31, 2019
Derivative Instruments and Hedging Activities Disclosures [Line Items]
Derivative, Notional Amount	$ 28,671		$ 28,671		$ 25,927
Derivative used in Mortgage Banking Activities
Derivative Instruments and Hedging Activities Disclosures [Line Items]
Derivative, Fair Value, Net	44		44		6
Derivative, Notional Amount	578		578		778
Trading Assets	56		56		$ 19
Derivative, Gain (Loss) on Derivative, Net	$ (1)	$ 20	$ 61	$ 44

DERIVATIVE FINANCIAL INSTRUM_11

DERIVATIVE FINANCIAL INSTRUMENTS - Offsetting Assets (Details) - USD ($) $ in Millions	Sep. 30, 2020	Dec. 31, 2019
Offsetting Derivative Assets [Abstract]
Gross amounts of recognized assets	$ 2,143	$ 856
Gross amounts offset in the condensed consolidated balance sheets	1,055	404
Net amounts of assets presented in the condensed consolidated balance sheets	1,088	452
Gross amounts not offset in the condensed consolidated balance sheets, Financial instruments	(130)	(65)
Gross amounts not offset in the condensed consolidated balance sheets, cash collateral received	(56)	(29)
Net amount	$ 902	$ 358

DERIVATIVE FINANCIAL INSTRUM_12

DERIVATIVE FINANCIAL INSTRUMENTS - Offsetting Liabilities (Details) - USD ($) $ in Millions	Sep. 30, 2020	Dec. 31, 2019
Offsetting Derivative Liabilities [Abstract]
Gross amounts of recognized liabilities	$ 1,172	$ 521
Gross amounts offset in the condensed consolidated balance sheets	(1,062)	(417)
Derivative liabilities	110	104
Gross amounts not offset in the condensed consolidated balance sheets, Financial instruments	(4)	0
Gross amounts not offset in the condensed consolidated balance sheets, Cash collateral received	(63)	(75)
Net amount	$ 43	$ 29

VIEs - Narrative (Details)

VIEs - Narrative (Details)	9 Months Ended
	Sep. 30, 2020
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Maximum year to defer payment of interest on Debenture	5 years

VIEs - Unconsolidated VIEs (Det

VIEs - Unconsolidated VIEs (Details) - USD ($) $ in Millions	Sep. 30, 2020	Dec. 31, 2019
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	862	727
Total Liabilities	414	332
Maximum Exposure to Loss	862	727
Other Investments
Variable Interest Entity [Line Items]
Total Assets	271	179
Total Liabilities	74	63
Maximum Exposure to Loss	271	179
Total
Variable Interest Entity [Line Items]
Total Assets	1,147	920
Total Liabilities	740	647
Maximum Exposure to Loss	$ 1,133	$ 906

VIEs - Trust preferred Securiti

VIEs - Trust preferred Securities (Details) $ in Millions	9 Months Ended
	Sep. 30, 2020USD ($)
Summary of Outstanding Trust Preferred Securities
Principal amount of subordinated note/ debenture issued to trust	$ 252
Investment in unconsolidated subsidiary	$ 14
Huntington Capital I
Summary of Outstanding Trust Preferred Securities
Interest rate on Trust Preferred Securities	0.93%
Principal amount of subordinated note/ debenture issued to trust	$ 70
Investment in unconsolidated subsidiary	$ 6
Huntington Capital I | London Interbank Offered Rate (LIBOR)
Summary of Outstanding Trust Preferred Securities (Textuals) [Abstract]
Rate spread over three month LIBOR	0.70%
Huntington Capital II
Summary of Outstanding Trust Preferred Securities
Interest rate on Trust Preferred Securities	0.86%
Principal amount of subordinated note/ debenture issued to trust	$ 32
Investment in unconsolidated subsidiary	$ 3
Huntington Capital II | London Interbank Offered Rate (LIBOR)
Summary of Outstanding Trust Preferred Securities (Textuals) [Abstract]
Rate spread over three month LIBOR	0.625%
Sky Financial Capital Trust III
Summary of Outstanding Trust Preferred Securities
Interest rate on Trust Preferred Securities	1.63%
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)
Summary of Outstanding Trust Preferred Securities (Textuals) [Abstract]
Rate spread over three month LIBOR	1.40%
Sky Financial Capital Trust IV
Summary of Outstanding Trust Preferred Securities
Interest rate on Trust Preferred Securities	1.63%
Principal amount of subordinated note/ debenture issued to trust	$ 74
Investment in unconsolidated subsidiary	$ 2
Camco Financial Trust
Summary of Outstanding Trust Preferred Securities
Interest rate on Trust Preferred Securities	1.56%
Principal amount of subordinated note/ debenture issued to trust	$ 4
Investment in unconsolidated subsidiary	$ 1
Camco Financial Trust | London Interbank Offered Rate (LIBOR)
Summary of Outstanding Trust Preferred Securities (Textuals) [Abstract]
Rate spread over three month LIBOR	1.33%

VIEs - Low Income Housing Tax C

VIEs - Low Income Housing Tax Credit Partnership (Details) - USD ($) $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019	Dec. 31, 2019
Low Income Housing Tax Credit Partnerships
Variable Interest Entity [Line Items]
Affordable housing tax credit investments	$ 1,452		$ 1,452		$ 1,242
Less: amortization	(590)		(590)		(515)
Net affordable housing tax credit investments	862		862		727
Unfunded commitments	414		414		$ 332
Tax credits and other tax benefits recognized	29	$ 26	88	$ 79
Proportional Amortization Method
Variable Interest Entity [Line Items]
Proportional amortization expense included in provision for income taxes	$ 25	$ 22	$ 75	$ 66

COMMITMENTS AND CONTINGENT LI_3

COMMITMENTS AND CONTINGENT LIABILITIES - Commitments to Extend Credit (Details) - USD ($) $ in Millions	Sep. 30, 2020	Dec. 31, 2019
Commercial
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Contract amount represents credit risk	$ 20,606	$ 18,326
Consumer
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Contract amount represents credit risk	14,734	14,831
Commercial real estate
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Contract amount represents credit risk	1,271	1,364
Standby letters of credit
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Contract amount represents credit risk	570	587
Commercial | Commercial letters-of-credit
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Contract amount represents credit risk	$ 11	$ 8

COMMITMENTS AND CONTINGENT LI_4

COMMITMENTS AND CONTINGENT LIABILITIES - Narrative (Details) - USD ($) $ in Millions	9 Months Ended
	Sep. 30, 2020	Dec. 31, 2019
Loss Contingencies [Line Items]
Maturity period of majority of standby letters of credit	two years
Maturity period of Commercial letters of credit	90 days
Standby letters of credit
Loss Contingencies [Line Items]
Carrying amount of deferred revenue associated with guarantees	$ 5	$ 8
Outstanding standby letters of credit	570	$ 587
Maximum
Loss Contingencies [Line Items]
Aggregate range of reasonably possible losses current legal proceedings	10
Minimum
Loss Contingencies [Line Items]
Aggregate range of reasonably possible losses current legal proceedings	$ 0

SEGMENT REPORTING (Details)

SEGMENT REPORTING (Details) $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2020USD ($)	Sep. 30, 2019USD ($)	Sep. 30, 2020USD ($)numberOfSegments	Sep. 30, 2019USD ($)	Dec. 31, 2019USD ($)
Segment Reporting Information [Line Items]
Number of reporting segments | numberOfSegments			4
Net interest income	$ 817	$ 799	$ 2,399	$ 2,433
Provision (reduction in allowance) for credit losses	(177)	(82)	(945)	(208)
Noninterest income	430	389	1,182	1,082
Noninterest expense	712	667	2,039	2,020
Provision (benefit) for income taxes	55	67	96	193
Net income	303	372	501	1,094
Assets	120,116		120,116		$ 109,002
Deposits	95,154		95,154		82,347
Operating Segments | Consumer & Business Banking
Segment Reporting Information [Line Items]
Net interest income	367	433	1,099	1,371
Provision (reduction in allowance) for credit losses	(87)	(35)	(200)	(81)
Noninterest income	274	223	704	596
Noninterest expense	450	421	1,288	1,247
Provision (benefit) for income taxes	22	42	66	134
Net income	82	158	249	505
Assets	30,966		30,966		25,073
Deposits	59,302		59,302		51,675
Operating Segments | Commercial Banking
Segment Reporting Information [Line Items]
Net interest income	221	263	693	798
Provision (reduction in allowance) for credit losses	(87)	(36)	(611)	(103)
Noninterest income	90	101	261	266
Noninterest expense	135	142	400	427
Provision (benefit) for income taxes	19	39	(12)	113
Net income	70	147	(45)	421
Assets	35,503		35,503		34,337
Deposits	23,599		23,599		20,762
Operating Segments | Vehicle Finance [Member]
Segment Reporting Information [Line Items]
Net interest income	110	100	316	291
Provision (reduction in allowance) for credit losses	12	(12)	(118)	(27)
Noninterest income	2	4	7	9
Noninterest expense	34	36	103	112
Provision (benefit) for income taxes	19	12	21	33
Net income	71	44	81	128
Assets	19,664		19,664		20,155
Deposits	777		777		376
Operating Segments | RBPCG
Segment Reporting Information [Line Items]
Net interest income	39	48	122	153
Provision (reduction in allowance) for credit losses	(15)	1	(16)	3
Noninterest income	47	47	151	147
Noninterest expense	56	63	181	193
Provision (benefit) for income taxes	3	7	16	23
Net income	12	26	60	87
Assets	6,934		6,934		6,665
Deposits	6,623		6,623		6,370
Treasury / Other
Segment Reporting Information [Line Items]
Net interest income	80	(45)	169	(180)
Provision (reduction in allowance) for credit losses	0	0	0	0
Noninterest income	17	14	59	64
Noninterest expense	37	5	67	41
Provision (benefit) for income taxes	(8)	(33)	5	(110)
Net income	68	$ (3)	156	$ (47)
Assets	27,049		27,049		22,772
Deposits	$ 4,853		$ 4,853		$ 3,164