Huntington Bancshares (HBAN) 10-K 26 Feb 21 2020 FY Annual report Financial data

Cover Page

Cover Page - USD ($)	12 Months Ended
	Dec. 31, 2020	Jan. 31, 2021	Jun. 30, 2020
Entity Information [Line Items]
Document Type	10-K
Document Annual Report	true
Document Period End Date	Dec. 31, 2020
Current Fiscal Year End Date	--12-31
Entity File Number	1-34073
Entity Registrant Name	HUNTINGTON BANCSHARES INC/MD
Entity Incorporation, State or Country Code	MD
Entity Tax Identification Number	31-0724920
Entity Address, Address Line One	41 South High Street
Entity Address, City or Town	Columbus,
Entity Address, State or Province	OH
Entity Address, Postal Zip Code	43287
City Area Code	614
Local Phone Number	480-2265
Entity Well-known Seasoned Issuer	Yes
Entity Voluntary Filers	No
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Large Accelerated Filer
Entity Small Business	false
Entity Emerging Growth Company	false
ICFR Auditor Attestation Flag	true
Entity Shell Company	false
Entity Public Float			$ 9,353,081,984
Entity Common Stock, Shares Outstanding		1,017,194,968
Entity Central Index Key	0000049196
Document Transition Report	false
Amendment Flag	false
Document Fiscal Year Focus	2020
Document Fiscal Period Focus	FY
Documents Incorporated by Reference	Part III of this Form 10-K incorporates by reference certain information from the registrant’s definitive Proxy Statement for the 2021 Annual Shareholders’ Meeting.
Depositary Shares (each representing a 1/40th interest in a share of 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
Depositary Shares (each representing a 1/40th interest in a share of 6.250% Series D Non-Cumulative, perpetual preferred stock)
Entity Information [Line Items]
Title of 12(b) Security	Depositary Shares (each representing a 1/40th interest in a share of 6.250% Series D Non-Cumulative, perpetual preferred stock)
Trading Symbol	HBANO
Security Exchange Name	NASDAQ
Depositary Shares (each representing a 1/40th interest in a share of 6.250% Series D Non-Cumulative, perpetual preferred stock)
Entity Information [Line Items]
Title of 12(b) Security	Depositary Shares (each representing a 1/40th interest in a share of 4.500% Series H Non-Cumulative, perpetual preferred stock)
Trading Symbol	HBANP
Security Exchange Name	NASDAQ
Common Stock—Par Value $0.01 per Share
Entity Information [Line Items]
Title of 12(b) Security	Common Stock—Par Value $0.01 per Share
Trading Symbol	HBAN
Security Exchange Name	NASDAQ

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($) $ in Millions	Dec. 31, 2020	Dec. 31, 2019
Assets
Cash and due from banks	$ 1,319	$ 1,045
Interest-bearing deposits at Federal Reserve Bank	5,276	125
Interest-bearing deposits in banks	117	102
Trading account securities	62	99
Available-for-sale securities	16,485	14,149
Held-to-maturity securities	8,861	9,070
Other securities	418	441
Loans held for sale (includes $1,198 and $781 respectively, measured at fair value)(1)	1,275	877
Loans and leases (includes $94 and $81 respectively, measured at fair value)(1)	81,608	75,404
Allowance for loan and lease losses	(1,814)	(783)
Net loans and leases	79,794	74,621
Bank owned life insurance	2,577	2,542
Premises and equipment	757	763
Goodwill	1,990	1,990
Servicing rights and other intangible assets	428	475
Other assets	3,679	2,703
Total assets	123,038	109,002
Deposits:
Demand deposits—noninterest-bearing	28,553	20,247
Interest-bearing	70,395	62,100
Total Deposits	98,948	82,347
Short-term borrowings	183	2,606
Long-term debt	8,352	9,849
Other liabilities	2,562	2,405
Total liabilities	110,045	97,207
Commitments and Contingent Liabilities (Note 23)
Shareholders’ equity
Preferred stock	2,191	1,203
Common stock	10	10
Capital surplus	8,781	8,806
Less treasury shares, at cost	(59)	(56)
Accumulated other comprehensive loss	192	(256)
Retained earnings	1,878	2,088
Total shareholders’ equity	12,993	11,795
Total liabilities and shareholders’ equity	$ 123,038	$ 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)	1,017,196,776	1,020,003,482
Treasury shares outstanding (in shares)	5,062,054	4,537,605
Preferred Stock, authorized shares	6,617,808	6,617,808
Preferred shares outstanding (in shares)	750,500	740,500

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parenthetical) - USD ($) $ in Millions	Dec. 31, 2020	Dec. 31, 2019
Assets
Loans held for sale, fair value	$ 1,198	$ 781
Loans Accounted for Under FVO	$ 94	$ 81
Shareholders’ equity
Common stock, par value (in usd per share)	$ 0.01	$ 0.01

Consolidated Statements of Inco

Consolidated Statements of Income - USD ($) shares in Thousands, $ in Millions	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Interest and fee income:
Loans and leases	$ 3,085	$ 3,541	$ 3,305
Available-for-sale securities
Taxable	237	295	279
Tax-exempt	61	83	97
Held-to-maturity securities-taxable	215	218	211
Other securities-taxable	6	16	25
Other interest income	43	48	32
Total interest income	3,647	4,201	3,949
Interest expense
Deposits	197	585	391
Short-term borrowings	13	54	48
Long-term debt	213	349	321
Total interest expense	423	988	760
Net interest income	3,224	3,213	3,189
Provision for credit losses	1,048	287	235
Net interest income after provision for credit losses	2,176	2,926	2,954
Mortgage banking income	366	167	108
Service charges on deposit accounts	301	372	364
Card and payment processing income	248	246	224
Trust and investment management services	189	178	171
Capital markets fees	125	123	108
Insurance income	97	88	82
Bank owned life insurance income	64	66	67
Gain on sale of loans	42	55	55
Net (losses) gains on sales of securities	(1)	(24)	(21)
Other noninterest income	160	183	163
Total noninterest income	1,591	1,454	1,321
Personnel costs	1,692	1,654	1,559
Outside data processing and other services	384	346	294
Equipment	180	163	164
Net occupancy	158	159	184
Professional services	55	54	60
Amortization of intangibles	41	49	53
Marketing	38	37	53
Deposit and other insurance expense	32	34	63
Other noninterest expense	215	225	217
Total noninterest expense	2,795	2,721	2,647
Income before income taxes	972	1,659	1,628
Provision for income taxes	155	248	235
Net income	817	1,411	1,393
Dividends on preferred shares	100	74	70
Net income available to common shareholders	$ 717	$ 1,337	$ 1,323
Average common shares—basic (in shares)	1,017,117	1,038,840	1,081,542
Average common shares—diluted (in shares)	1,032,683	1,056,079	1,105,985
Per common share:
Net income - basic (in USD per share)	$ 0.71	$ 1.29	$ 1.22
Net income - diluted (in USD per share)	$ 0.69	$ 1.27	$ 1.20

Consolidated Statement of Compr

Consolidated Statement of Comprehensive Income - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Statement of Comprehensive Income [Abstract]
Net income	$ 817	$ 1,411	$ 1,393
Other comprehensive income, net of tax:
Total unrealized gains (losses) on available-for-sale securities	216	335	(84)
Change in fair value related to cash flow hedges	234	23	0
Change in accumulated unrealized gains (losses) for pension and other post-retirement obligations	(2)	(5)	4
Other comprehensive income (loss), net of tax	448	353	(80)
Comprehensive income	$ 1,265	$ 1,764	$ 1,313

Consolidated Statements of Chan

Consolidated Statements of Changes in Shareholders' Equity - USD ($) shares in Thousands, $ in Millions	Total	Cumulative Effect, Period of Adoption, Adjustment	Preferred Stock	Common Stock	Capital Surplus	Treasury Stock	Accumulated Other Comprehensive Gain (Loss)	Accumulated Other Comprehensive Gain (Loss)Cumulative Effect, Period of Adoption, Adjustment	Retained Earnings	Retained EarningsCumulative Effect, Period of Adoption, Adjustment	Series A Preferred Stock	Series A Preferred StockPreferred Stock	Series A Preferred StockCommon Stock	Series A Preferred StockCapital Surplus	Series E Preferred Stock	Series E Preferred StockPreferred Stock	Series E Preferred StockRetained Earnings
Beginning balance at Dec. 31, 2017	$ 10,814	$ 0	$ 1,071	$ 11	$ 9,707	$ (35)	$ (528)	$ (1)	$ 588	$ 1
Beginning balance (in shares) at Dec. 31, 2017				1,075,295		(3,268)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	1,393								1,393
Other comprehensive income (loss)	(80)						(80)
Repurchase of common stock (in shares)				(61,644)
Repurchases of common stock	(939)				(939)
Issuance of preferred stock															$ 495	$ 495
Cash dividends declared:
Cash dividends declared, common stock	(541)								(541)
Cash dividends declared, preferred stock	(70)								(70)								$ (24)
Conversion of Preferred Series A Stock to Common Stock											$ 0	$ (363)		$ 363
Conversion of Preferred Series A Stock to Common Stock (in shares)													30,330
Recognition of the fair value of share-based compensation	78				78
Other share-based compensation activity (in shares)				6,603
Other share-based compensation activity	(41)				(31)				(10)
Other (in shares)				0		(549)
Other	(7)				3	$ (10)			0
Ending balance at Dec. 31, 2018	$ 11,102		1,203	$ 11	9,181	$ (45)	(609)		1,361
Ending balance (in shares) at Dec. 31, 2018				1,050,584		(3,817)
Cash dividends declared:
Common stock, cash dividend per share (in USD per share)	$ 0.50
Net income	$ 1,411								1,411
Other comprehensive income (loss)	353						353
Repurchase of common stock (in shares)				(31,494)
Repurchases of common stock	(441)			$ (1)	(440)
Cash dividends declared, common stock	(611)								(611)
Cash dividends declared, preferred stock	(74)								(74)								(29)
Recognition of the fair value of share-based compensation	83				83
Other share-based compensation activity (in shares)				5,451
Other share-based compensation activity	(18)				(18)
Other (in shares)						(720)
Other	(10)					$ (11)			1
Ending balance at Dec. 31, 2019	$ 11,795	$ (306)	1,203	$ 10	8,806	$ (56)	(256)		2,088	$ (306)
Ending balance (in shares) at Dec. 31, 2019				1,024,541		(4,537)
Cash dividends declared:
Common stock, cash dividend per share (in USD per share)	$ 0.58
Net income	$ 817								817
Other comprehensive income (loss)	448						448
Repurchase of common stock (in shares)				(7,504)
Repurchases of common stock	(92)			$ 0	(92)
Issuance of preferred stock	988		988
Cash dividends declared, common stock	(621)								(621)
Cash dividends declared, preferred stock	(100)								(100)								$ (29)
Recognition of the fair value of share-based compensation	77				77
Other share-based compensation activity (in shares)				5,372
Other share-based compensation activity	(9)				(9)
Other (in shares)				(151)		(525)
Other	(4)				(1)	$ (3)
Ending balance at Dec. 31, 2020	$ 12,993		$ 2,191	$ 10	$ 8,781	$ (59)	$ 192		$ 1,878
Ending balance (in shares) at Dec. 31, 2020				1,022,258		(5,062)
Cash dividends declared:
Common stock, cash dividend per share (in USD per share)	$ 0.60

Consolidated Statements of Ch_2

Consolidated Statements of Changes in Shareholders' Equity (Parenthetical) - $ / shares	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Statement of Stockholders' Equity [Abstract]
Common stock, cash dividend per share (in USD per share)	$ 0.60	$ 0.58	$ 0.50

Consolidated Statements of Cash

Consolidated Statements of Cash Flows - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Operating activities
Net income	$ 817	$ 1,411	$ 1,393
Adjustments to reconcile net income to net cash provided by (used in) operating activities:
Provision for credit losses	1,048	287	235
Depreciation and amortization	367	386	493
Share-based compensation expense	77	83	78
Deferred income tax expense	(93)	23	63
Net change in:
Trading account securities	37	(32)	(11)
Loans held for sale	(534)	(214)	(301)
Other assets	(1,077)	(593)	(235)
Other liabilities	683	194	22
Other, net	(2)	29	(11)
Net cash provided by (used in) operating activities	1,323	1,574	1,726
Investing activities
Change in interest bearing deposits in banks	(81)	(112)	90
Cash paid for acquisition of a business, net of cash received	0	0	(15)
Proceeds from:
Maturities and calls of available-for-sale securities	5,697	2,124	2,109
Maturities and calls of held-to-maturity securities	3,042	1,021	743
Sales of available-for-sale securities	392	3,903	1,419
Purchases of available-for-sale securities	(11,104)	(6,036)	(2,485)
Purchases of held-to-maturity securities	0	(1,519)	(338)
Net proceeds from sales of portfolio loans	1,113	1,049	697
Principal payments received from finance leases	704	714	0
Net loan and lease activity, excluding sales and purchases	(6,844)	(2,149)	(5,333)
Purchases of premises and equipment	(119)	(107)	(110)
Purchases of loans and leases	(1,506)	(445)	(542)
Net cash paid for branch disposition	0	(548)	0
Other, net	67	228	102
Net cash provided by (used in) investing activities	(8,639)	(1,877)	(3,663)
Financing activities
Increase (decrease) in deposits	16,601	(1,702)	7,733
(Decrease) Increase in short-term borrowings	(2,373)	586	(3,025)
Net proceeds from issuance of long-term debt	1,386	1,796	2,229
Maturity/redemption of long-term debt	(3,052)	(743)	(2,798)
Dividends paid on preferred stock	(84)	(74)	(70)
Dividends paid on common stock	(614)	(597)	(514)
Repurchases of common stock	(92)	(441)	(939)
Net proceeds from issuance of preferred stock	988	0	495
Payments related to tax-withholding for share based compensation awards	(20)	(26)	(27)
Other, net	1	2	5
Net cash provided by (used for) financing activities	12,741	(1,199)	3,089
Increase (decrease) in cash and cash equivalents	5,425	(1,502)	1,152
Cash and cash equivalents at beginning of period	1,170	2,672	1,520
Cash and cash equivalents at end of period	6,595	1,170	2,672
Supplemental disclosures:
Interest paid	453	989	742
Income taxes paid (refunded)	81	111	(52)
Non-cash activities:
Loans transferred to held-for-sale from portfolio	1,139	963	818
Loans transferred to portfolio from held-for-sale	53	19	51
Transfer of securities from available-for-sale to held-to-maturity	0	0	2,833
Transfer of securities from held-to-maturity to available-for-sale	$ 2,842	$ 0	$ 2,707

INCOME TAXES

INCOME TAXES	12 Months Ended
	Dec. 31, 2020
Income Tax Disclosure [Abstract]
INCOME TAXES	INCOME TAXES The following is a summary of the provision (benefit) for income taxes: Year Ended December 31, (dollar amounts in millions) 2020 2019 2018 Current tax provision (benefit) Federal $ 236 $ 209 $ 152 State 12 16 20 Total current tax provision 248 225 172 Deferred tax provision (benefit) Federal (103) 24 71 State 10 (1) (8) Total deferred tax provision (93) 23 63 Provision for income taxes $ 155 $ 248 $ 235 The following is a reconciliation for provision for income taxes: Year Ended December 31, (dollar amounts in millions) 2020 2019 2018 Provision for income taxes computed at the statutory rate $ 204 $ 348 $ 342 Increases (decreases): General business credits (99) (88) (80) Capital loss (25) (62) (60) Tax-exempt income (17) (21) (23) Tax-exempt bank owned life insurance income (13) (14) (14) Affordable housing investment amortization, net of tax benefits 78 70 64 State income taxes, net 17 11 10 Stock based compensation 1 (5) (14) Impact from TCJA — — (3) Other 9 9 13 Provision for income taxes $ 155 $ 248 $ 235 The significant components of deferred tax assets and liabilities at December 31, 2020 and 2019 were as follows: At December 31, (dollar amounts in millions) 2020 2019 Deferred tax assets: Allowances for credit losses $ 448 $ 184 Net operating and other loss carryforward 128 99 Lease liability 54 47 Purchase accounting and other intangibles 30 33 Pension and other employee benefits 10 12 Fair value adjustments — 77 Other assets 5 11 Total deferred tax assets 675 463 Deferred tax liabilities: Lease financing 409 359 Loan origination costs 137 119 Operating assets 85 74 Fair value adjustments 55 — Right-of-use asset 46 41 Mortgage servicing rights 43 36 Other liabilities 23 11 Total deferred tax liabilities 798 640 Net deferred tax liability before valuation allowance (123) (177) Valuation allowance (11) (6) Net deferred tax liability $ (134) $ (183) At December 31, 2020, Huntington’s net deferred tax asset related to net operating loss and other carryforwards was $128 million. This was comprised of federal net operating loss carryforwards of $45 million, which will begin expiring in 2029, $39 million of state net operating loss carryforwards, which will begin expiring in 2021, and a capital loss carryforward of $42 million, which will begin expiring in 2022. The Company has established a valuation allowance on its state deferred tax assets as it believes it is more likely than not, portions will not be realized. The Company and its subsidiaries file income tax returns in the U.S. federal jurisdiction and various state and city jurisdictions. Federal income tax audits have been completed for tax years through 2009. In 2019, the 2010 and 2011 audits were submitted to the Congressional Joint Committee on Taxation of the U.S. Congress for approval. During the 2020 third quarter, the Joint Committee referred the audit back to the IRS exam team for reconsideration. This action led to the re-characterization of the audit resolution from a settlement to an uncertain tax position. While the statute of limitations remains open for tax years 2012 through 2019, the IRS has advised that tax years 2012 through 2014 will not be audited and is currently examining the 2015 and 2016 federal income tax returns. Also, with few exceptions, the Company is no longer subject to state and local income tax examinations for tax years before 2016. The following table provides a reconciliation of the beginning and ending amounts of gross unrecognized tax benefits: (dollar amounts in millions) 2020 2019 Unrecognized tax benefits at beginning of year $ — $ — Gross increases for tax positions taken during prior years 46 — Unrecognized tax benefits at end of year $ 46 $ — Due to the complexities of some of these uncertainties, the ultimate resolution may result in a liability that is materially different from the current estimate of the tax liabilities. We do not currently anticipate that the amount of unrecognized tax benefits will significantly change over the next 12 months. Any interest and penalties on income tax assessments or income tax refunds are recognized in the Consolidated Statements of Income as a component of provision for income taxes. The amounts of accrued tax-related interest and penalties were immaterial at December 31, 2020 and 2019. Further, the amount of net interest and penalties related to unrecognized tax benefits was immaterial for all periods presented. All of the gross unrecognized tax benefits would impact the Company’s effective tax rate if recognized. At December 31, 2020, retained earnings included approximately $12 million of base year reserves of acquired thrift institutions, for which no deferred federal income tax liability has been recognized. Under current law, if these bad debt reserves are used for purposes other than to absorb bad debt losses, they will be subject to federal income tax at the corporate tax rate enacted at the time. The amount of unrecognized deferred tax liability relating to the cumulative bad debt deduction was approximately $3 million at December 31, 2020.

SIGNIFICANT ACCOUNTING POLICIES

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

ACCOUNTING STANDARDS UPDATE

ACCOUNTING STANDARDS UPDATE	12 Months Ended
	Dec. 31, 2020
Accounting Standards Update and Change in Accounting Principle [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 6 - 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 2019-12 - 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: ◦ Incremental approach for intra-period tax allocation when there is a loss from continuing operations and income or a gain from other items; ◦ Requirement to recognize a deferred tax liability for equity method investments when a foreign subsidiary becomes an equity method investment; ◦ Ability not to recognize a deferred tax liability for a foreign subsidiary when a foreign equity method investment becomes a subsidiary; and, ◦ 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. • Management early adopted the guidance on October 1, 2020. • The ASU did not have a material impact on Huntington’s Consolidated Financial Statements. Standard Summary of guidance Effects on financial statements ASU 2020-04 - Reference Rate Reform (Topic 848): Facilitation of the Effects of Reference Rate Reform on Financial Reporting Issued: March 2020; Amended: January 2021 • 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: ◦ Modifications of contracts within the scope of Topics 310, Receivables, and 470, Debt, should be accounted for by prospectively adjusting the effective interest rate; ◦ 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 or discount rate; ◦ The ASU also provides optional expedients for various hedging relationships, allowing hedge accounting to continue uninterrupted, provided certain criteria are met; and, ◦ An entity may make a one time election to sell, transfer, or both sell and transfer debt securities classified as held to maturity if certain criteria are met. • Topic 848 was subsequently amended in January 2021, allowing entities to elect certain optional expedients and exceptions in Topic 848 relating to derivative contracts and hedge accounting affected by the discounting transition initiated by certain central clearing parties. • Management early adopted the guidance on October 1, 2020. • While neither the ASU or the amendment had a material impact on Huntington’s Consolidated Financial Statements, they do ease the administrative burden of accounting for contracts impacted by reference rate reform.

PENDING ACQUISITION OF TCF FINA

PENDING ACQUISITION OF TCF FINANCIAL CORPORATION	12 Months Ended
	Dec. 31, 2020
Business Combinations [Abstract]
PENDING ACQUISITION OF TCF FINANCIAL CORPORATION	PENDING ACQUISITION OF TCF FINANCIAL CORPORATION On December 13, 2020, Huntington announced the signing of a definitive merger agreement (the “TCF/Huntington Merger Agreement”). Under the terms of the agreement, which was unanimously approved by the boards of directors of both companies, TCF Financial Corporation, the parent company of TCF National Bank will merge into Huntington in an all-stock transaction valued at approximately $6.0 billion based on the closing stock price on the day preceding the announcement. TCF is a financial holding company headquartered in Detroit, Michigan with reported total assets of $47.8 billion based on their balance sheet at December 31, 2020. Following the merger, Huntington will operate with dual headquarters for banking operations in Detroit, Michigan and Columbus, Ohio. Under the terms of the Merger Agreement, TCF shareholders will receive 3.0028 shares of Huntington common stock for each share of TCF common stock. Holders of TCF common stock will receive cash in lieu of fractional shares. Each outstanding share of 5.70% Series C Non-Cumulative Perpetual Preferred Stock of TCF will be converted into the right to receive one share of a newly created series of preferred stock of Huntington. Subject to receipt of regulatory approvals and satisfaction of other customary closing conditions, including approval of both TCF and Huntington shareholders, the transaction is anticipated to close in the second quarter of 2021.

INVESTMENT SECURITIES AND OTHER

INVESTMENT SECURITIES AND OTHER SECURITIES	12 Months Ended
	Dec. 31, 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 December 31, 2020 and 2019: Unrealized (dollar amounts in millions) Amortized Gross Gains Gross Losses Fair Value December 31, 2020 Available-for-sale securities: U.S. Treasury $ 5 $ — $ — $ 5 Federal agencies: Residential CMO 3,550 121 (5) 3,666 Residential MBS 7,843 97 (5) 7,935 Commercial MBS 1,151 21 (9) 1,163 Other agencies 60 2 — 62 Total U.S. Treasury, federal agency and other agency securities 12,609 241 (19) 12,831 Municipal securities 2,928 91 (15) 3,004 Private-label CMO 9 — — 9 Asset-backed securities 185 7 — 192 Corporate debt 440 5 — 445 Other securities/Sovereign debt 4 — — 4 Total available-for-sale securities $ 16,175 $ 344 $ (34) $ 16,485 Held-to-maturity securities: Federal agencies: Residential CMO $ 1,779 $ 88 $ — $ 1,867 Residential MBS 3,715 103 — 3,818 Commercial MBS 3,118 191 — 3,309 Other agencies 246 12 — 258 Total federal agency and other agency securities 8,858 394 — 9,252 Municipal securities 3 — — 3 Total held-to-maturity securities $ 8,861 $ 394 $ — $ 9,255 Other securities, at cost: Non-marketable equity securities: Federal Home Loan Bank stock $ 60 $ — $ — $ 60 Federal Reserve Bank stock 299 — — 299 Other securities, at fair value Mutual funds 50 — — 50 Equity securities 8 1 — 9 Total other securities $ 417 $ 1 $ — $ 418 (1) Amortized cost amounts excludes accrued interest receivable, which is recorded within other assets on the Consolidated Balance Sheet s . At December 31, 2020, accrued interest receivable on available-for-sale securities and held-to-maturity securities totaled $32 million and $20 million, respectively. 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 December 31, 2020 and 2019. Expected maturities may differ from contractual maturities as issuers may have the right to call or prepay obligations with or without incurring penalties. 2020 2019 (dollar amounts in millions) Amortized Cost Fair Value Amortized Cost Fair Value Available-for-sale securities: Under 1 year $ 308 $ 304 $ 231 $ 229 After 1 year through 5 years 1,145 1,154 1,196 1,189 After 5 years through 10 years 1,607 1,654 1,594 1,606 After 10 years 13,115 13,373 11,042 11,125 Total available-for-sale securities $ 16,175 $ 16,485 $ 14,063 $ 14,149 Held-to-maturity securities: Under 1 year $ — $ — $ — $ — After 1 year through 5 years 160 169 17 17 After 5 years through 10 years 131 138 300 305 After 10 years 8,570 8,948 8,753 8,864 Total held-to-maturity securities $ 8,861 $ 9,255 $ 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 December 31, 2020 and 2019: Less than 12 Months Over 12 Months Total (dollar amounts in millions) Fair Gross Unrealized Fair Gross Unrealized Fair Gross Unrealized December 31, 2020 Available-for-sale securities: Federal agencies: Residential CMO $ 302 $ (5) $ — $ — $ 302 $ (5) Residential MBS 1,633 (5) — — 1,633 (5) Commercial MBS 321 (9) — — 321 (9) Other agencies — — — — — — Total federal agency and other agency securities 2,256 (19) — — 2,256 (19) Municipal securities 110 (3) 490 (12) 600 (15) Asset-backed securities 15 — — — 15 — Corporate debt 51 — — — 51 — Total temporarily impaired available-for-sale securities $ 2,432 $ (22) $ 490 $ (12) $ 2,922 $ (34) 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 available-for-sale 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 held-to-maturity securities $ 678 $ (1) $ 112 $ (2) $ 790 $ (3) During 2020, Huntington transferred a total of $2.8 billion of securities from the AFS portfolio to the HTM portfolio. At the time of the transfers, AOCI included a combined total of $21 million of unrealized gains attributed to these securities. This gain will be amortized into interest income over the remaining life of the securities. At December 31, 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 $14.4 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 December 31, 2020 or December 31, 2019. At December 31, 2020, all HTM debt securities are considered AAA rated. In addition, there were no HTM debt securities considered past due at December 31, 2020. AFS Securities Impairment/HTM Securities Allowance for Credit Losses Based on an evaluation of available information including security type, counterparty credit quality, past events, current conditions, and reasonable and supportable forecasts that are relevant to collectability, Huntington has concluded that it expects to receive all contractual cash flows from each security held in its AFS and HTM debt securities portfolio. As such, no allowance or impairment is recorded with respect to securities as of December 31, 2020.

LOANS _ LEASES

LOANS / LEASES	12 Months Ended
	Dec. 31, 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 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 $491 million and $525 million at December 31, 2020 and 2019, respectively. Loan and Lease Portfolio Composition The following table provides a detailed listing of Huntington’s loan and lease portfolio at December 31, 2020 and December 31, 2019. At December 31, (dollar amounts in millions) 2020 2019 Loans and leases: Commercial and industrial $ 35,373 $ 30,664 Commercial real estate 7,199 6,674 Automobile 12,778 12,797 Home equity 8,894 9,093 Residential mortgage 12,141 11,376 RV and marine 4,190 3,563 Other consumer 1,033 1,237 Total Loans and leases 81,608 75,404 Allowance for loan and lease losses (1,814) (783) Net loans and leases $ 79,794 $ 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. Renewal options for leases are at the option of the lessee, and are not included in the measurement of lease receivables as they are not considered reasonably certain of exercise. Purchase options are typically at fair value, and as such those options are not considered in the measurement of lease receivables or in lease classification. For leased equipment, the residual component of a direct financing lease represents the estimated fair value of the leased equipment at the end of the lease term. Huntington uses industry data, historical experience, and independent appraisals to establish these residual value estimates. Additional information regarding product life cycle, product upgrades, as well as insight into competing products are obtained through relationships with industry contacts and are factored into residual value estimates where applicable. Upon expiration of a lease, residual assets are remarketed, resulting in an extension of the lease by the lessee, a lease to a new customer, or purchase of the residual asset by the lessee or another party. Huntington also purchases insurance guaranteeing the value of certain residual assets. 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 December 31, 2020 and 2019: At December 31, (dollar amounts in millions) 2020 2019 Commercial and industrial: Lease payments receivable $ 1,737 $ 1,841 Estimated residual value of leased assets 664 728 Gross investment in commercial and industrial lease financing receivables 2,401 2,569 Deferred origination costs 21 19 Deferred fees (200) (249) Total net investment in commercial and industrial lease financing receivables $ 2,222 $ 2,339 The carrying value of residual values guaranteed was $93 million as of December 31, 2020. The future lease rental payments due from customers on sales-type and direct financing leases at December 31, 2020, totaled $1.7 billion and were due as follows: $0.6 billion in 2021, $0.4 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 $106 million, $108 million, and $100 million for the years 2020, 2019, and 2018 respectively. Nonaccrual and Past Due Loans The following table presents NALs by loan class at December 31, 2020 and 2019: December 31, 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 $ 69 $ 353 $ 109 $ 323 Commercial real estate 8 15 2 10 Automobile — 4 — 4 Home equity — 70 — 59 Residential mortgage — 88 — 71 RV and marine — 2 — 1 Other consumer — — — — Total nonaccrual loans $ 77 $ 532 $ 111 $ 468 The amount of interest that would have been recorded under the original terms for total NAL loans was $33 million, $26 million, and $22 million for 2020, 2019, and 2018, respectively. The total amount of interest recorded to interest income for NAL loans was $6 million, $9 million, and $12 million in 2020, 2019, and 2018, respectively. The following table presents an aging analysis of loans and leases, including past due loans and leases, by loan class at December 31, 2020 and 2019: December 31, 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 $ 60 $ 38 $ 95 $ 193 $ 35,180 $ — $ 35,373 $ 10 (3) Commercial real estate — 1 11 12 7,187 — 7,199 — Automobile 84 22 12 118 12,660 — 12,778 9 Home equity 35 15 61 111 8,782 1 8,894 14 Residential mortgage 114 38 194 346 11,702 93 12,141 132 (4) RV and marine 17 3 3 23 4,167 — 4,190 3 Other consumer 9 4 3 16 1,017 — 1,033 3 Total loans and leases $ 319 $ 121 $ 379 $ 819 $ 80,695 $ 94 $ 81,608 $ 171 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 December 31, 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 To facilitate the monitoring of credit quality for commercial loans, and for the purposes of determining an appropriate ACL level for these loans, Huntington utilizes the following internally defined categories of credit grades: • Pass - Higher quality loans that do not fit any of the other categories described below. • OLEM - The credit risk may be relatively minor yet represents a risk given certain specific circumstances. If the potential weaknesses are not monitored or mitigated, the loan may weaken or the collateral may be inadequate to protect Huntington’s position in the future. For these reasons, Huntington considers the loans to be potential problem loans. • Substandard - Inadequately protected loans resulting from the borrower’s ability to repay, equity, and/or the collateral pledged to secure the loan. These loans have identified weaknesses that could hinder normal repayment or collection of the debt. It is likely Huntington will sustain some loss if any identified weaknesses are not mitigated. • Doubtful - Loans that have all of the weaknesses inherent in those loans classified as Substandard, with the added elements of the full collection of the loan is improbable and that the possibility of loss is high. Loans are generally assigned a category of “Pass” rating upon initial approval and subsequently updated as appropriate based on the borrower’s financial performance. Commercial loans categorized as OLEM, Substandard, or Doubtful are considered Criticized loans. Commercial loans categorized as Substandard or Doubtful are both considered Classified loans. For all classes within the consumer loan portfolios, loans are assigned pool level PD factors based on the FICO range within which the borrower’s credit bureau score falls. A credit bureau score is a credit score developed by FICO based on data provided by the credit bureaus. The credit bureau score is widely accepted as the standard measure of consumer credit risk used by lenders, regulators, rating agencies, and consumers. The higher the credit bureau score, the higher likelihood of repayment and therefore, an indicator of higher credit quality. Huntington assesses the risk in the loan portfolio by utilizing numerous risk characteristics. The classifications described above, and also presented in the table below, represent one of those characteristics that are closely monitored in the overall credit risk management processes. The following table presents each loan and lease class by vintage and credit quality indicator at December 31, 2020: As of December 31, 2020 Term Loans Amortized Cost Basis by Origination Year Revolver Total at Amortized Cost Basis Revolver Total Converted to Term Loans (dollar amounts in millions) 2020 2019 2018 2017 2016 Prior Total (3) Commercial and industrial Credit Quality Indicator (1): Pass $ 13,757 $ 4,525 $ 2,758 $ 1,347 $ 974 $ 916 $ 8,894 $ 2 $ 33,173 OLEM 421 116 69 30 33 22 124 — 815 Substandard 196 144 188 224 46 159 423 — 1,380 Doubtful 2 — 1 — — 1 1 — 5 Total Commercial and industrial $ 14,376 $ 4,785 $ 3,016 $ 1,601 $ 1,053 $ 1,098 $ 9,442 $ 2 $ 35,373 Commercial real estate Credit Quality Indicator (1): Pass $ 1,742 $ 1,610 $ 1,122 $ 507 $ 507 $ 539 $ 633 $ — $ 6,660 OLEM 94 78 63 37 28 14 4 — 318 Substandard 27 46 10 29 58 14 36 — 220 Doubtful — — — — — 1 — — 1 Total Commercial real estate $ 1,863 $ 1,734 $ 1,195 $ 573 $ 593 $ 568 $ 673 $ — $ 7,199 Automobile Credit Quality Indicator (2): 750+ $ 2,670 $ 2,013 $ 1,144 $ 742 $ 317 $ 81 $ — $ — $ 6,967 650-749 1,965 1,343 755 386 175 52 — — 4,676 <650 312 301 244 157 84 37 — — 1,135 Total Automobile $ 4,947 $ 3,657 $ 2,143 $ 1,285 $ 576 $ 170 $ — $ — $ 12,778 Home equity Credit Quality Indicator (2): 750+ $ 793 $ 26 $ 26 $ 32 $ 89 $ 451 $ 4,373 $ 192 $ 5,982 650-749 147 9 8 11 27 157 1,906 181 2,446 <650 1 1 1 1 6 70 286 99 465 Total Home equity $ 941 $ 36 $ 35 $ 44 $ 122 $ 678 $ 6,565 $ 472 $ 8,893 Residential mortgage Credit Quality Indicator (2): 750+ $ 3,269 $ 1,370 $ 891 $ 1,064 $ 762 $ 1,243 $ 1 $ — $ 8,600 650-749 991 435 307 278 171 495 — — 2,677 <650 34 89 111 108 81 348 — — 771 Total Residential mortgage $ 4,294 $ 1,894 $ 1,309 $ 1,450 $ 1,014 $ 2,086 $ 1 $ — $ 12,048 RV and marine Credit Quality Indicator (2): 750+ $ 1,136 $ 525 $ 589 $ 337 $ 153 $ 254 $ — $ — $ 2,994 650-749 348 215 201 136 64 129 — — 1,093 <650 4 15 21 22 12 29 — — 103 Total RV and marine $ 1,488 $ 755 $ 811 $ 495 $ 229 $ 412 $ — $ — $ 4,190 Other consumer Credit Quality Indicator (2): 750+ $ 69 $ 58 $ 26 $ 8 $ 4 $ 14 $ 340 $ 2 $ 521 650-749 36 56 17 5 2 3 294 30 443 <650 2 8 3 1 — 1 26 28 69 Total Other consumer $ 107 $ 122 $ 46 $ 14 $ 6 $ 18 $ 660 $ 60 $ 1,033 (1) Consistent with the credit quality disclosures, indicators for the Commercial portfolio are based on internally defined categories of credit grades which are generally refreshed at least semi-annually. (2) Consistent with the credit quality disclosures, indicators for the Consumer portfolio are based on updated customer credit scores refreshed at least quarterly. (3) The total amount of accrued interest recorded for these loans at December 31, 2020, presented in other assets within the Consolidated Balance Sheet s, was $146 million and $123 million for commercial and consumer, respectively. The following tables present each loan and lease class by credit quality indicator at December 31, 2019: December 31, 2019 Credit Risk Profile by UCS Classification (dollar amounts in millions) Pass OLEM Substandard Doubtful Total Commercial and industrial $ 28,477 $ 634 $ 1,551 $ 2 $ 30,664 Commercial real estate 6,487 98 88 1 6,674 Credit Risk Profile by FICO Score (1), (2) 750+ 650-749 <650 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. TDR Loans On March 22, 2020 and April 7, 2020, the federal bank regulatory agencies including the FRB and OCC released statements encouraging financial institutions to work prudently with borrowers that may be unable to meet their contractual obligations because of the effects of COVID-19. The statements go on to explain that, in consultation with the FASB staff, the federal bank regulatory agencies concluded that short-term modifications (e.g. six months) made on a good faith basis to borrowers who were current as of the implementation date of a relief program are not TDRs. Section 4013 of the CARES Act, as amended by Section 541 of the Consolidated Appropriations Act of 2021, (“CARES Act”) further addresses COVID-19 related modifications occurring between March 1, 2020 through January 1, 2022 and specifies that such COVID-19 related modifications on loans that were current as of December 31, 2019 are not TDRs. For COVID-19 related loan modifications occurring during 2020, which met the loan modification criteria under the CARES Act, Huntington elected to suspend TDR accounting. For loan modifications not eligible for the CARES Act, Huntington applied the interagency regulatory guidance that was clarified on April 7, 2020. Accordingly, insignificant concessions (related to the current COVID-19 crisis) granted through payment deferrals, fee waivers, or other short-term modifications (generally 6 months or less) and provided to borrowers less than 30 days past due at March 17, 2020 were not deemed to be TDRs. Therefore, modified loans that met the required guidelines for relief are excluded from the TDR disclosures below. The amount of interest that would have been recorded under the original terms for total accruing TDR loans was $46 million, $52 million, and $51 million for 2020, 2019, and 2018, respectively. The total amount of actual interest recorded to interest income for these loans was $43 million, $49 million, and $48 million for 2020, 2019, and 2018, respectively. TDR Concession Types The Company’s standards relating to loan modifications consider, among other factors, minimum verified income requirements, cash flow analyses, and collateral valuations. Each potential loan modification is reviewed individually and the terms of the loan are modified to meet a borrower’s specific circumstances at a point in time. All commercial TDRs are reviewed and approved by our FRG. Following is a description of TDRs by the different loan types: Commercial loan TDRs – Our strategy involving commercial TDR borrowers includes working with these borrowers to allow them to refinance elsewhere, as well as allow them time to improve their financial position and remain a Huntington customer through refinancing their notes according to market terms and conditions in the future. A subsequent refinancing or modification of a loan may occur when either the loan matures according to the terms of the TDR-modified agreement or the borrower requests a change to the loan agreements. At that time, the loan is evaluated to determine if the borrower is creditworthy. It is subjected to the normal underwriting standards and processes for other similar credit extensions, both new and existing. The refinanced note is evaluated to determine if it is considered a new loan or a continuation of the prior loan. Consumer loan TDRs – Residential mortgage TDRs represent loan modifications associated with traditional first-lien mortgage loans in which a concession has been provided to the borrower. The primary concessions given to residential mortgage borrowers are amortization or maturity date changes and interest rate reductions. Residential mortgages identified as TDRs involve borrowers unable to refinance their mortgages through the Company’s normal mortgage origination channels or through other independent sources. Some, but not all, of the loans may be delinquent. The Company may make similar interest rate, term, and principal concessions for Automobile, Home Equity, RV and Marine and Other Consumer loan TDRs. TDR Impact on Credit Quality Huntington’s ALLL is largely determined by risk ratings assigned to commercial loans, updated borrower credit scores on consumer loans, and borrower delinquency history in both the commercial and consumer portfolios. These risk ratings and credit scores consider the default history of the borrower, including payment redefaults. As such, the provision for credit losses is impacted primarily by changes in borrower payment performance rather than the TDR classification. TDRs can be classified as either accrual or nonaccrual loans. Nonaccrual TDRs are included in NALs whereas accruing TDRs are excluded from NALs as it is probable that all contractual principal and interest due under the restructured terms will be collected. The Company’s TDRs may include multiple concessions and the disclosure classifications are presented based on the primary concession provided to the borrower. The majority of the concessions for the C&I and CRE portfolios are the extension of the maturity date, but could also include an interest rate concession. In these instances, the primary concession is the maturity date extension. The following table presents, by class and modification type, the number of contracts, post-modification outstanding balance, and the financial effects of the modification for the years ended December 31, 2020 and 2019. New Troubled Debt Restructurings (1) Year Ended December 31, 2020 Number of Post-modification Outstanding Recorded Investment (2) (dollar amounts in millions) Interest rate reduction Amortization or maturity date change Chapter 7 bankruptcy Other Total Commercial and industrial 317 $ — $ 123 $ — $ 58 $ 181 Commercial real estate 13 — 3 — — 3 Automobile 3,018 — 29 6 — 35 Home equity 273 — 6 8 2 16 Residential mortgage 585 — 79 7 — 86 RV and marine 168 — 4 1 — 5 Other consumer 622 3 — — 1 4 Total new TDRs 4,996 $ 3 $ 244 $ 22 $ 61 $ 330 Year Ended December 31, 2019 Number of Post-modification Outstanding Recorded Investment (2) (dollar amounts in millions) Interest rate reduction Amortization or maturity date change Chapter 7 bankruptcy Other Total Commercial and industrial 482 $ — $ 172 $ — $ 7 $ 179 Commercial real estate 29 — 13 — — 13 Automobile 2,971 — 19 7 — 26 Home equity 306 — 9 8 — 17 Residential mortgage 330 — 35 2 — 37 RV and marine 139 — 1 2 — 3 Other consumer 972 8 — — — 8 Total new TDRs 5,229 $ 8 $ 249 $ 19 $ 7 $ 283 (1) TDRs may include multiple concessions. The disclosure classification is based on the primary concession provided to the borrower. (2) Post-modification balances approximate pre-modification balances. The aggregate amount of charge-offs as a result of a restructuring are not significant. The financial effects of modification represent the impact on the provision (recovery) for loan and lease losses. Amounts for the years ended December 31, 2020 and December 31, 2019 were $6 million and $(2) million, respectively. Pledged Loans The Bank has access to the Federal Reserve’s discount window and advances from the FHLB. As of December 31, 2020 and 2019, these borrowings and advances are secured by $43.0 billion and $39.6 billion, respectively, of loans.

ALLOWANCE FOR CREDIT LOSSES

ALLOWANCE FOR CREDIT LOSSES	12 Months Ended
	Dec. 31, 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. 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 years ended December 31, 2020, 2019, and 2018: (dollar amounts in millions) Commercial Consumer Total Year ended December 31, 2020: ALLL balance, beginning of period $ 552 $ 231 $ 783 Cumulative-effect of change in accounting principle for financial instruments - credit losses (1) 180 211 391 Loan charge-offs (374) (166) (540) Recoveries of loans previously charged-off 32 59 91 Provision for loan and lease losses 846 243 1,089 ALLL balance, end of period $ 1,236 $ 578 $ 1,814 AULC balance, beginning of period $ 102 $ 2 $ 104 Cumulative-effect of change in accounting principle for financial instruments - credit losses (1) (38) 40 2 Provision (reduction in allowance) for unfunded loan commitments and letters of credit (17) (24) (41) Unfunded commitment losses (13) — (13) AULC balance, end of period $ 34 $ 18 $ 52 ACL balance, end of period $ 1,270 $ 596 $ 1,866 Year ended December 31, 2019: ALLL balance, beginning of period $ 542 $ 230 $ 772 Loan charge-offs (165) (197) (362) Recoveries of loans previously charged-off 40 57 97 Provision for loan and lease losses 135 142 277 Allowance for loans sold or transferred to loans held for sale — (1) (1) ALLL balance, end of period $ 552 $ 231 $ 783 AULC balance, beginning of period $ 94 $ 2 $ 96 Provision (reduction in allowance) for unfunded loan commitments and letters of credit 10 — 10 Unfunded commitment losses (2) — (2) AULC balance, end of period $ 102 $ 2 $ 104 ACL balance, end of period $ 654 $ 233 $ 887 Year ended December 31, 2018: ALLL balance, beginning of period $ 482 $ 209 $ 691 Loan charge-offs (79) (189) (268) Recoveries of loans previously charged-off 65 58 123 Provision for loan and lease losses 74 152 226 ALLL balance, end of period $ 542 $ 230 $ 772 AULC balance, beginning of period $ 84 $ 3 $ 87 Provision (reduction in allowance) for unfunded loan commitments and letters of credit 10 (1) 9 AULC balance, end of period $ 94 $ 2 $ 96 ACL balance, end of period $ 636 $ 232 $ 868 (1) Relates to day one impact of the CECL adjustment as a result of the implementation of ASU 2016-13. At December 31, 2020, the ACL was $1.9 billion, an increase of $979 million from the December 31, 2019 balance of $887 million. Of the increase, $586 million relates primarily to the deterioration in the macroeconomic outlook resulting from the COVID-19 pandemic as evidenced in part by the changes in assumed unemployment rate levels during 2020. When estimating the January 1, 2020 CECL implementation adjustment, the assumed unemployment rate for fourth quarter 2020 in the base case scenario was 3.75%. When estimating the December 31, 2020 ACL, the assumed unemployment rate for fourth quarter 2020 in the base case scenario was 7.20%. The remaining increase of $393 million was related to the transition to the CECL lifetime loss methodology. The majority of the increase in the ACL from 2019 year-end levels related to the commercial portfolio. The suite of CECL models are generally dependent on the rate of change in unemployment rather than the absolute unemployment levels. Additionally, the economic scenarios used in the December 31, 2020 ACL determination contained significant judgmental assumptions around the ultimate number of COVID-19 cases and the level and timing of government stimulus. Given the impact of the unemployment variable utilized within the models and the uncertainty associated with key economic scenario assumptions, the December 31, 2020 ACL included a material general reserve component to capture this economic uncertainty risk not addressed within the quantitative transaction reserve. NCOs increased $184 million, or 69%, in 2020. The increase was driven by commercial NCOs, which were centered in our oil and gas portfolio, partially offset by a decline in other consumer.

MORTGAGE LOAN SALES AND SERVICI

MORTGAGE LOAN SALES AND SERVICING RIGHTS	12 Months Ended
	Dec. 31, 2020
Transfers and Servicing [Abstract]
MORTGAGE LOAN SALES AND SERVICING RIGHTS	MORTGAGE LOAN SALES AND SERVICING RIGHTS Residential Mortgage Portfolio The following table summarizes activity relating to residential mortgage loans sold with servicing retained for the years ended December 31, 2020, 2019, and 2018: Year Ended December 31, (dollar amounts in millions) 2020 2019 2018 Residential mortgage loans sold with servicing retained $ 8,436 $ 4,841 $ 3,846 Pretax gains resulting from above loan sales (1) 311 119 87 (1) Recorded in mortgage banking income. The following table summarizes the changes in MSRs recorded using the fair value method for the years ended December 31, 2020 and 2019 (1): Year Ended (dollar amounts in millions) 2020 2019 (1) Fair value, beginning of period $ 7 $ 10 Fair value election for servicing assets previously measured using the amortized method 205 — New servicing assets created 102 — Change in fair value during the period due to: Time decay (2) (9) (1) Payoffs (3) (43) (1) Changes in valuation inputs or assumptions (4) (52) (1) Fair value, end of period $ 210 $ 7 Weighted-average life (years) 7.6 6.4 (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 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 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 December 31, 2020, and December 31, 2019 follows: December 31, 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) 17.36 % $ (12) $ (23) 8.21 % $ — $ — Spread over forward interest rate swap rates 519 bps (4) (8) 824 bps — — (1) Prior to January 1, 2020, substantially all of Huntington’s MSR assets were recorded at amortized cost. Total servicing, late and other ancillary fees included in mortgage banking income was $64 million, $63 million, and $60 million for the years ended December 31, 2020, 2019, and 2018, respectively. The unpaid principal balance of residential mortgage loans serviced for third parties was $23.5 billion, $22.4 billion, and $21.0 billion at December 31, 2020, 2019, and 2018, respectively.

GOODWILL AND OTHER INTANGIBLE A

GOODWILL AND OTHER INTANGIBLE ASSETS	12 Months Ended
	Dec. 31, 2020
Goodwill and Intangible Assets Disclosure [Abstract]
GOODWILL AND OTHER INTANGIBLE ASSETS	GOODWILL AND OTHER INTANGIBLE ASSETS Business segments are based on segment leadership structure, which reflects how segment performance is monitored and assessed. We have four major business segments: Consumer and Business Banking, Commercial Banking, Vehicle Finance, and Regional Banking and The Huntington Private Client Group (RBHPCG). The Treasury / Other function includes technology and operations, other unallocated assets, liabilities, revenue, and expense. A rollforward of goodwill by business segment for the years ended December 31, 2020 and 2019, is presented in the table below: Consumer & Business Commercial Vehicle Treasury/ Huntington (dollar amounts in millions) Banking Banking Finance RBHPCG Other Consolidated Balance, January 1, 2019 $ 1,393 $ 426 $ — $ 170 $ — $ 1,989 Goodwill acquired during the period — — — — — — Adjustments — 1 — — — 1 Balance, December 31, 2019 1,393 427 — 170 — 1,990 Goodwill acquired during the period — — — — — — Adjustments — — — — — — Balance, December 31, 2020 $ 1,393 $ 427 $ — $ 170 $ — $ 1,990 Goodwill is not amortized but is evaluated for impairment on an annual basis at October 1 of each year or whenever events or changes in circumstances indicate the carrying value may not be recoverable. No impairment was recorded in 2020 or 2019. The emergence of COVID-19 as a global pandemic early in 2020 led to significant deterioration in the economic environment which has impacted expected earnings. Following qualitative assessments of the goodwill balance in each of the first 3 quarters of 2020, management conducted its annual goodwill impairment test effective October 1, 2020. Impairment was not identified in any of the Bank’s reporting units during the annual test and further deterioration in the economic environment was not identified leading up to year end. Goodwill assessments are highly sensitive to economic projections and the related assumptions and estimates used by management. At December 31, 2020 and 2019, Huntington’s other intangible assets consisted of the following: (dollar amounts in millions) Gross Accumulated Net December 31, 2020 Core deposit intangible $ 310 $ (150) $ 160 Customer relationship 101 (70) 31 Total other intangible assets $ 411 $ (220) $ 191 December 31, 2019 Core deposit intangible $ 310 $ (120) $ 190 Customer relationship 115 (73) 42 Total other intangible assets $ 425 $ (193) $ 232 The estimated amortization expense of other intangible assets for the next five years is as follows: (dollar amounts in millions) Amortization Expense 2021 $ 38 2022 36 2023 34 2024 32 2025 31

OPERATING LEASES (Notes)

OPERATING LEASES (Notes)	12 Months Ended
	Dec. 31, 2020
Leases [Abstract]
Operating Leases	OPERATING LEASES At December 31, 2020, Huntington was obligated under non-cancelable leases for branch and office space. These leases are all classified as operating due to the amount of time such spaces are occupied relative to the underlying assets useful lives. Many of these leases contain renewal options, most of which are not included in measurement of the right-of-use asset as they are not considered reasonably certain of exercise (i.e., Huntington does not currently have a significant economic incentive to exercise these options). Some leases contain escalation clauses calling for rentals to be adjusted for increased real estate taxes and other operating expenses or proportionately adjusted for increases in the consumer or other price indices. Occasionally, Huntington will sublease the land and buildings for which it has obtained the right to use; substantially all of those sublease arrangements are classified as operating, with sublease income recognized on a straight-line basis over the contractual term of the arrangement. Net lease assets and liabilities at December 31, 2020 and 2019 are as follows: At December 31, (dollar amounts in millions) Classification 2020 2019 Assets Operating lease assets Other assets $ 199 $ 210 Liabilities Lease liabilities Other liabilities $ 220 $ 233 Net lease cost for the years ended December 31, 2020 and 2019 are as follows: Year Ended December 31, (dollar amounts in millions) Classification 2020 2019 Operating lease cost Net occupancy $ 50 $ 47 Short-term lease cost Net occupancy 1 1 Sublease income Net occupancy (2) (3) Net lease cost $ 49 $ 45 Maturity of lease liabilities at December 31, 2020 are as follows: (dollar amounts in millions) Total 2021 $ 43 2022 42 2023 37 2024 32 2025 26 Thereafter 77 Total lease payments $ 257 Less: Interest (37) Total lease liabilities $ 220 Additional supplemental information related to the Company’s operating leases as of December 31, 2020 and 2019 are as follows: Year Ended December 31, (dollar amounts in millions) 2020 2019 Cash paid for amounts included in the measurement of lease liabilities for Operating cash flows $ (53) $ (54) Right-of-use assets obtained in exchange for lease obligations for Operating leases 23 40 Weighted-average remaining lease term (years) for Operating leases 7.17 7.31 Weighted-average discount rate for Operating leases 4.26 % 4.56 %

PREMISES AND EQUIPMENT

PREMISES AND EQUIPMENT	12 Months Ended
	Dec. 31, 2020
Property, Plant and Equipment [Abstract]
PREMISES AND EQUIPMENT	PREMISES AND EQUIPMENT Premises and equipment were comprised of the following at December 31, 2020 and 2019: At December 31, (dollar amounts in millions) 2020 2019 Land and land improvements $ 198 $ 189 Buildings 586 587 Leasehold improvements 203 205 Equipment 736 742 Total premises and equipment 1,723 1,723 Less accumulated depreciation and amortization (966) (960) Net premises and equipment $ 757 $ 763 Depreciation and amortization charged to expense and rental income credited to net occupancy expense for the three years ended December 31, 2020, 2019, and 2018 were: (dollar amounts in millions) 2020 2019 2018 Total depreciation and amortization of premises and equipment $ 119 $ 116 $ 130 Rental income credited to occupancy expense 10 11 13

SHORT-TERM BORROWINGS

SHORT-TERM BORROWINGS	12 Months Ended
	Dec. 31, 2020
Debt Disclosure [Abstract]
SHORT-TERM BORROWINGS	Borrowings with original maturities of one year or less are classified as short-term and were comprised of the following at December 31, 2020 and 2019: At December 31, (dollar amounts in millions) 2020 2019 Federal funds purchased and securities sold under agreements to repurchase $ 71 $ 1,041 Federal Home Loan Bank advances — 1,500 Other borrowings 112 65 Total short-term borrowings $ 183 $ 2,606

LONG-TERM DEBT

LONG-TERM DEBT	12 Months Ended
	Dec. 31, 2020
Debt Instruments [Abstract]
LONG-TERM DEBT	LONG-TERM DEBT Huntington’s long-term debt consisted of the following: At December 31, (dollar amounts in millions) 2020 2019 The Parent Company: Senior Notes: 3.19% Huntington Bancshares Incorporated medium-term notes due 2021 $ 802 $ 993 2.33% Huntington Bancshares Incorporated senior notes due 2022 699 972 2.67% Huntington Bancshares Incorporated senior notes due 2024 838 798 4.05% Huntington Bancshares Incorporated senior notes due 2025 553 528 2.60% Huntington Bancshares Incorporated senior notes due 2030 743 — Subordinated Notes: 7.00% Huntington Bancshares Incorporated subordinated notes due 2020 — 305 3.55% Huntington Bancshares Incorporated subordinated notes due 2023 256 247 Huntington Capital I Trust Preferred 0.94% junior subordinated debentures due 2027 (1) 69 70 Huntington Capital II Trust Preferred 0.86% junior subordinated debentures due 2028 (2) 32 32 Sky Financial Capital Trust III 1.64% junior subordinated debentures due 2036 (3) 72 72 Sky Financial Capital Trust IV 1.64% junior subordinated debentures due 2036 (3) 74 74 Camco Financial Statutory Trust I 1.57% due 2037 (4) 4 4 Total notes issued by the parent 4,142 4,095 The Bank: Senior Notes: 2.47% Huntington National Bank senior notes due 2020 — 699 2.42% Huntington National Bank senior notes due 2020 (5) — 300 2.43% Huntington National Bank senior notes due 2020 — 500 2.97% Huntington National Bank senior notes due 2020 — 499 0.79% Huntington National Bank senior notes due 2021 (6) 298 299 3.33% Huntington National Bank senior notes due 2021 752 759 2.55% Huntington National Bank senior notes due 2022 710 691 3.16% Huntington National Bank senior notes due 2022 511 507 1.83% Huntington National Bank senior notes due 2023 489 — 3.60% Huntington National Bank senior notes due 2023 773 778 Subordinated Notes: 3.86% Huntington National Bank subordinated notes due 2026 233 231 Total notes issued by the bank 3,766 5,263 FHLB Advances: 1.54% weighted average rate, varying maturities greater than one year 3 5 Other: Huntington Technology Finance nonrecourse debt, 3.63% weighted average interest rate, varying maturities 266 312 2.12% Huntington Preferred Capital II - Class F securities (7) 75 74 2.12% Huntington Preferred Capital II - Class G securities (7) 50 50 2.24% Huntington Preferred Capital II - Class I securities (8) 50 50 Total long-term debt $ 8,352 $ 9,849 (1) Variable effective rate at December 31, 2020, based on three-month LIBOR +0.70% (2) Variable effective rate at December 31, 2020, based on three-month LIBOR +0.625% (3) Variable effective rate at December 31, 2020, based on three-month LIBOR +1.40% (4) Variable effective rate at December 31, 2020, based on three-month LIBOR +1.33% (5) Variable effective rate at December 31, 2019, based on three-month LIBOR +0.51% (6) Variable effective rate at December 31, 2020, based onthree-month LIBOR +0.55% (7) Variable effective rate at December 31, 2020, based on three-month LIBOR +1.88% (8) Variable effective rate at December 31, 2020, based on three-month LIBOR +2.00% Amounts above are net of unamortized discounts and adjustments related to hedging with derivative financial instruments. We use interest rate swaps to hedge interest rate risk of certain fixed-rate debt by converting the debt to a variable rate. See Note 21 - “ Derivative Financial Instruments “ for more information regarding such financial instruments. The following table presents senior notes issued during 2020: Date of Issuance Issuer Amount % of face value Interest Rate Term Maturity January 2020 Bank $ 500 million 99.916 % 1.80 % fixed February 3, 2023 January 2020 Parent 750 million 99.597 2.55 fixed February 4, 2030 During 2020, Huntington retired $500 million of senior notes, which resulted in net pre-tax loss of $7 million These transactions have been recorded as loss on early extinguishment of debt, and reflected in other noninterest expense, in the Consolidated Income Statement. Long-term debt maturities for the next five years and thereafter are as follows: (dollar amounts in millions) 2021 2022 2023 2024 2025 Thereafter Total The Parent Company: Senior notes $ 800 $ 700 $ — $ 800 $ 500 $ 750 $ 3,550 Subordinated notes — — 250 — — 253 503 The Bank: Senior notes 1,044 1,198 1,202 — — — 3,444 Subordinated notes — — — — — 250 250 FHLB Advances — 1 1 — — 1 3 Other 22 141 136 103 39 — 441 Total $ 1,866 $ 2,040 $ 1,589 $ 903 $ 539 $ 1,254 $ 8,191 These maturities are based upon the par values of the long-term debt. The terms of certain long-term debt obligations contain various restrictive covenants including limitations on the acquisition of additional debt, dividend payments, and the disposition of subsidiaries. As of December 31, 2020, Huntington was in compliance with all such covenants.

OTHER COMPREHENSIVE INCOME

OTHER COMPREHENSIVE INCOME	12 Months Ended
	Dec. 31, 2020
Equity [Abstract]
OTHER COMPREHENSIVE INCOME	OTHER COMPREHENSIVE INCOME The components of Huntington’s OCI for the years ended December 31, 2020, 2019, and 2018, were as follows: 2020 Tax (expense) (dollar amounts in millions) Pretax Benefit After-tax Unrealized gains (losses) on available-for-sale securities arising during the period $ 235 $ (52) $ 183 Less: Reclassification adjustment for realized net losses (gains) included in net income 42 (9) 33 Net change in unrealized holding gains (losses) on available-for-sale securities 277 (61) 216 Net change in fair value on cash flow hedges 302 (68) 234 Net change in pension and other post-retirement obligations (3) 1 (2) Total other comprehensive income (loss) $ 576 $ (128) $ 448 2019 Tax (expense) (dollar amounts in millions) Pretax Benefit After-tax Unrealized gains (losses) on available-for-sale securities arising during the period $ 403 $ (89) $ 314 Less: Reclassification adjustment for realized net losses (gains) included in net income 26 (5) 21 Net change in unrealized holding gains (losses) on available-for-sale securities 429 (94) 335 Net change in fair value on cash flow hedges 26 (3) 23 Net change in pension and other post-retirement obligations (7) 2 (5) Total other comprehensive income (loss) $ 448 $ (95) $ 353 2018 Tax (expense) (dollar amounts in millions) Pretax Benefit After-tax Unrealized gains (losses) on available-for-sale securities arising during the period $ (151) $ 35 $ (116) Less: Reclassification adjustment for net gains (losses) included in net income 41 (9) 32 Net change in unrealized holding gains (losses) on available-for-sale debt securities (110) 26 (84) Net change in pension and post-retirement obligations 4 — 4 Total other comprehensive income (loss) $ (106) $ 26 $ (80) Activity in accumulated OCI for the years ended December 31, 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 Total December 31, 2018 $ (363) $ — $ (246) $ (609) Other comprehensive income before reclassifications 314 23 — 337 Amounts reclassified from accumulated OCI to earnings 21 — (5) 16 Period change 335 23 (5) 353 December 31, 2019 (28) 23 (251) (256) Other comprehensive income before reclassifications 183 234 — 417 Amounts reclassified from accumulated OCI to earnings 33 — (2) 31 Period change 216 234 (2) 448 December 31, 2020 $ 188 $ 257 $ (253) $ 192 (1) AOCI amounts at December 31, 2020, 2019, and 2018 include $69 million, $121 million, and $137 million, respectively, net of unrealized losses on securities transferred from the available-for-sale securities portfolio to the held-to-maturity securities portfolio. The net unrealized losses will be recognized in earnings over the remaining life of the security using the effective interest method.

SHAREHOLDERS' EQUITY

SHAREHOLDERS' EQUITY	12 Months Ended
	Dec. 31, 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 December 31, 2020. (dollar amounts in millions, share amounts in thousands) Series Issuance Date Total Shares Outstanding Carrying Amount Dividend Rate Earliest Redemption Date Series B 12/28/2011 35,500 $ 23 3-mo. LIBOR + 270 bps 1/15/2017 Series D 3/21/2016 400,000 386 6.25 % 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 5.70 4/15/2023 Series F 5/27/2020 5,000 494 5.625 7/15/2030 Series G 8/3/2020 5,000 494 4.45 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 preferred stock has a liquidation value and redemption price per share of $100,000, plus any declared and unpaid dividends. All preferred stock has no stated maturity and redemption is solely at the option of the Company. Under current rules, any redemption of the preferred stock is subject to prior approval of the FRB. 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, which commenced 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 regulatory capital treatment event, 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. Dividends on the Series G 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 4.450% 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 January 15, 2021. The Series G Preferred Stock is perpetual and has no maturity date. Huntington may redeem the Series G Preferred Stock at its option, (i) in whole or in part, from time to time, on any dividend payment date on or after October 15, 2027 or (ii) in whole but not in part, within 90 days following a regulatory capital treatment event, 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 G Preferred Stock prior to the date fixed for redemption. If Huntington redeems the Series G Preferred Stock, the depositary will redeem a proportional number of depositary shares. Neither the holders of Series Preferred G Stock nor holders of depositary shares will have the right to require the redemption or repurchase of the Series G Preferred Stock or the depositary shares. Preferred H Stock issued and outstanding On February 2, 2021, Huntington issued $500 million of preferred stock. Huntington issued 20,000,000 depositary shares, each representing a 1/40th ownership interest in a share of 4.50% Series H Non-Cumulative Perpetual Preferred Stock (Preferred H Stock), par value $0.01 per share, with a liquidation preference of $1,000 per share (equivalent to $25 per depositary share). Each holder of a depositary share, will be entitled to all proportional rights and preferences of the Preferred H Stock (including dividend, voting, redemption, and liquidation rights). Costs of $16 million related to the issuance of the Preferred H Stock are reported as a direct deduction from the face amount of the stock. Dividends on the Preferred H 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 4.50% per year on the liquidation preference of $1,000 per share, equivalent to $25 per depositary share. The dividend payment dates will be the fifteenth day of each January, April, July and October, commencing on July 15, 2021, or the next business day if any such day is not a business day. The Preferred H Stock is perpetual and has no maturity date. Huntington may redeem the Preferred H Stock at its option, (i) in whole or in part, from time to time, on any dividend payment date on or after April 15, 2026 or (ii) in whole but not in part, within 90 days following a regulatory capital treatment event, in each case, at a redemption price equal to $1,000 per share (equivalent to $25 per depositary share), plus any declared and unpaid dividends and, in the case of a redemption following a regulatory capital treatment event, the pro-rated portion of dividends, whether or not declared, for the dividend period in which such redemption occurs. If Huntington redeems the Preferred H Stock, the depositary will redeem a proportional number of depositary shares. Neither the holders of Preferred H Stock nor holders of depositary shares will have the right to require the redemption or repurchase of the Preferred H Stock or the depositary shares. Any redemption of the Preferred H Stock is subject to Huntington's receipt of any required prior approval by the Board of Governors of the Federal Reserve System. The following table presents the dividends declared for each series of Preferred shares for the years ended December 31, 2020, 2019, and 2018:

EARNINGS PER SHARE

EARNINGS PER SHARE	12 Months Ended
	Dec. 31, 2020
Earnings Per Share [Abstract]
EARNINGS PER SHARE	EARNINGS PER SHAREBasic earnings per share is the amount of earnings (adjusted for dividends declared on preferred stock) available to each share of common stock outstanding during the reporting period. Diluted earnings per share is the amount of earnings available to each share of common stock outstanding during the reporting period adjusted to include the effect of potentially dilutive common shares. Potentially dilutive common shares include incremental shares issued for stock options, restricted stock units and awards, and distributions from deferred compensation plans. Potentially dilutive common shares are excluded from the computation of diluted earnings per share in periods in which the effect would be antidilutive. The calculation of basic and diluted earnings per share for each of the three years ended December 31 was as follows: Year Ended December 31, (amounts in millions, except per share data, share count in thousands) 2020 2019 2018 Net income $ 817 $ 1,411 $ 1,393 Preferred stock dividends (100) (74) (70) Net income available to common shareholders $ 717 $ 1,337 $ 1,323 Average common shares issued and outstanding 1,017,117 1,038,840 1,081,542 Dilutive potential common shares Stock options and restricted stock units and awards 10,613 12,994 16,529 Shares held in deferred compensation plans 4,953 4,245 3,511 Dilutive impact of Preferred Stock (1) — — 4,403 Other — — — Dilutive potential common shares 15,566 17,239 24,443 Total diluted average common shares issued and outstanding 1,032,683 1,056,079 1,105,985 Basic earnings per common share $ 0.71 $ 1.29 $ 1.22 Diluted earnings per common share $ 0.69 $ 1.27 $ 1.20 Anti-dilutive awards (2) 9,760 5,253 2,307 (1) The 2018 total diluted average common shares issued and outstanding was impacted by using the if-converted method. (2) Reflects the total number of shares related to outstanding options that have been excluded from the computation of diluted earnings per share because the impact would have been anti-dilutive.

NONINTEREST INCOME

NONINTEREST INCOME	12 Months Ended
	Dec. 31, 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 Consolidated Financial Statements. The following table shows Huntington’s total noninterest income segregated between contracts with customers within the scope of ASC 606 and those within the scope of other GAAP Topics. Year Ended December 31, (dollar amounts in millions) 2020 2019 2018 Noninterest income Noninterest income from contracts with customers $ 884 $ 939 $ 881 Noninterest income within the scope of other GAAP topics 707 515 440 Total noninterest income $ 1,591 $ 1,454 $ 1,321 The following table illustrates the disaggregation by operating segment and major revenue stream and reconciles disaggregated revenue to segment revenue presented in Note 26 - “ Segment Reporting ”: Year Ended December 31, 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 $ 217 $ 74 $ 6 $ 4 $ — $ 301 Card and payment processing income 221 15 — — — 236 Trust and investment management services 44 5 — 140 — 189 Insurance income 43 7 — 46 1 97 Other noninterest income 26 22 2 11 — 61 Net revenue from contracts with customers $ 551 $ 123 $ 8 $ 201 $ 1 $ 884 Noninterest income within the scope of other GAAP topics 394 241 1 — 71 707 Total noninterest income $ 945 $ 364 $ 9 $ 201 $ 72 $ 1,591 Year Ended December 31, 2019 (dollar amounts in millions) Consumer & Business Banking Commercial Banking Vehicle Finance RBHPCG Treasury / Other Huntington Consolidated Major Revenue Streams Service charges on deposit accounts $ 297 $ 64 $ 7 $ 4 $ — $ 372 Card and payment processing income 218 15 — — — 233 Trust and investment management services 34 4 — 139 1 178 Insurance Income 34 6 — 47 1 88 Other noninterest income 32 24 4 6 2 68 Net revenue from contracts with customers $ 615 $ 113 $ 11 $ 196 $ 4 $ 939 Noninterest income within the scope of other GAAP topics 210 246 1 2 56 515 Total noninterest income $ 825 $ 359 $ 12 $ 198 $ 60 $ 1,454 Year Ended December 31, 2018 (dollar amounts in millions) Consumer & Business Banking Commercial Banking Vehicle Finance RBHPCG Treasury / Other Huntington Consolidated Major Revenue Streams Service charges on deposit accounts $ 290 $ 64 $ 5 $ 4 $ — $ 363 Card and payment processing income 198 11 — — — 209 Trust and investment management services 28 4 — 139 — 171 Insurance Income 34 5 — 41 2 82 Other noninterest income 38 6 3 8 1 56 Net revenue from contracts with customers $ 588 $ 90 $ 8 $ 192 $ 3 $ 881 Noninterest income within the scope of other GAAP topics 156 231 3 1 49 440 Total noninterest income $ 744 $ 321 $ 11 $ 193 $ 52 $ 1,321 Huntington generally provides services for customers in which it acts as principal. Payment terms and conditions vary amongst services and customers, and thus impact the timing and amount of revenue recognition. Some fees may be paid before any service is rendered and accordingly, such fees are deferred until the obligations pertaining to those fees are satisfied. Most Huntington contracts with customers are cancelable by either party without penalty or they are short-term in nature, with a contract duration of less than one year. Accordingly, most revenue deferred for the reporting period ended December 31, 2020 is expected to be earned within one year. Huntington does not have significant balances of contract assets or contract liabilities and any change in those balances during the reporting period ended December 31, 2020 was determined to be immaterial.

SHARE-BASED COMPENSATION

SHARE-BASED COMPENSATION	12 Months Ended
	Dec. 31, 2020
Share-based Payment Arrangement [Abstract]
SHARE-BASED COMPENSATION	SHARE-BASED COMPENSATION Huntington sponsors nonqualified and incentive share based compensation plans. These plans provide for the granting of stock options, restricted stock awards, restricted stock units, performance share units and other awards to officers, directors, and other employees. Compensation costs are included in personnel costs on the Consolidated Statements of Income. Huntington issues shares to fulfill stock option exercises and restricted stock unit and award vesting from available authorized common shares. At December 31, 2020, Huntington believes there are adequate authorized common shares to satisfy anticipated stock option exercises and restricted stock unit award vesting in 2021. The following table presents total share-based compensation expense and related tax benefit for the three years ended December 31, 2020, 2019, and 2018: (dollar amounts in millions) 2020 2019 2018 Share-based compensation expense $ 77 $ 83 $ 78 Tax benefit 13 15 14 2018 Long-Term Incentive Plan In 2018, shareholders approved the Huntington Bancshares Incorporated 2018 Long-Term Incentive Plan (the 2018 Plan). Shares remaining under the 2015 Long-Term Incentive Plan have been incorporated into the 2018 Plan. Accordingly, the total number of shares authorized under the 2018 Plan is 33 million shares. At December 31, 2020, 5 million shares from the Plan were available for future grants. Stock Options Stock options are granted at the closing market price on the date of the grant. Options granted typically vest ratably over four years or when other conditions are met. Stock options, which represented a portion of the grant values, have no intrinsic value until the stock price increases. Options granted on or after May 1, 2015 have a contractual term of ten years. All options granted on or before April 30, 2015 have a contractual term of seven years. Huntington uses the Black-Scholes option pricing model to value options in determining the share-based compensation expense. Forfeitures are estimated at the date of grant based on historical rates, and are updated as necessary, and reduce the compensation expense recognized. The risk-free interest rate is based on the U.S. Treasury yield curve in effect at the date of grant. The expected dividend yield is based on the dividend rate and stock price at the date of the grant. Expected volatility is based on the estimated volatility of Huntington’s stock over the expected term of the option. The following table presents the weighted average assumptions used in the option pricing model at the grant date for options granted in the three years ended December 31, 2020, 2019, and 2018: Assumptions 2020 2019 2018 Risk-free interest rate 0.48 % 2.41 % 2.88 % Expected dividend yield 6.98 4.36 3.71 Expected volatility of Huntington’s common stock 39.7 22.5 24.0 Expected option term (years) 6.5 6.5 6.5 Weighted-average grant date fair value per share $ 1.49 $ 1.91 $ 2.58 Huntington’s stock option activity and related information for the year ended December 31, 2020, was as follows: (dollar amounts in millions, except per share and options amounts in thousands) Options Weighted- Weighted-Average Contractual Life (Years) Aggregate Outstanding at January 1, 2020 11,309 $ 12.23 Granted 4,378 8.60 Exercised (1,372) 7.56 Forfeited/expired (163) 13.25 Outstanding at December 31, 2020 14,152 $ 11.55 7.4 $ 25 Expected to vest (1) 7,994 $ 11.18 8.6 $ 17 Exercisable at December 31, 2020 5,919 $ 12.09 5.6 $ 7 (1) The number of options expected to vest reflect an estimate of 239,000 shares expected to be forfeited. The aggregate intrinsic value represents the amount by which the fair value of underlying stock exceeds the “in-the-money” option exercise price. The total intrinsic value of options exercised for the years ended December 31, 2020, 2019, and 2018 were $6 million, $16 million and $52 million, respectively. For the years ended December 31, 2020, 2019, and 2018, cash received for the exercises of stock options was $1 million, $2 million and $5 million, respectively. The tax benefit realized for the tax deductions from option exercises totaled $1 million, $3 million and $10 million in 2020, 2019, and 2018, respectively. Restricted Stock Units and Performance Share Units Huntington also grants restricted stock units and performance share units. These units are granted at the closing market price on the date of the grant. Restricted stock units are issued at no cost to the recipient, and can be settled only in shares at the end of the vesting period. Restricted stock units do not provide the holder with voting rights or cash dividends during the vesting period, but do accrue a dividend equivalent that is paid upon vesting, and are subject to certain service restrictions. Performance share units are payable contingent upon Huntington achieving certain predefined performance objectives over the three-year measurement period. The fair value of these units reflect the closing market price of Huntington’s common stock on the grant date. The following table summarizes the status of Huntington’s restricted stock units, and performance share units as of December 31, 2020, and activity for the year ended December 31, 2020: Restricted Stock Units Performance Share Units (amounts in thousands, except per share amounts) Quantity Weighted- Average Grant Date Fair Value Per Share Quantity Weighted- Average Grant Date Fair Value Per Share Nonvested at January 1, 2020 15,289 $ 13.42 2,769 $ 13.49 Granted 7,360 8.98 2,154 8.57 Vested (5,416) 12.39 (1,626) 12.19 Forfeited (581) 12.49 (22) 12.93 Nonvested at December 31, 2020 16,652 $ 12.05 3,275 $ 11.74 The weighted-average fair value at grant date of nonvested shares granted for the years ended December 31, 2020, 2019, and 2018 were $8.90, $13.91, and $14.98, respectively. The total fair value of awards vested during the years ended December 31, 2020, 2019, and 2018 was $86 million, $69 million, and $62 million, respectively. As of December 31, 2020, the total unrecognized compensation cost related to nonvested shares was $91 million with a weighted-average expense recognition period of 2.4 years.

BENEFIT PLANS

BENEFIT PLANS	12 Months Ended
	Dec. 31, 2020
Retirement Benefits [Abstract]
BENEFIT PLANS	BENEFIT PLANS Huntington sponsors a non-contributory defined benefit pension plan covering substantially all employees hired or rehired prior to January 1, 2010. The plan, which was modified in 2013, no longer accrues service benefits to participants and provides benefits based upon length of service and compensation levels. Huntington’s funding policy is to contribute an annual amount that is at least equal to the minimum funding requirements but not more than the amount deductible under the Internal Revenue Code. There were no required minimum contributions during 2020. The following table shows the weighted-average assumptions used to determine the benefit obligation at December 31, 2020 and 2019, and the net periodic benefit cost for the years then ended: Pension Benefits 2020 2019 Weighted-average assumptions used to determine benefit obligations Discount rate 2.50 % 3.40 % Weighted-average assumptions used to determine net periodic benefit cost Discount rate 3.40 4.41 Expected return on plan assets 5.00 5.25 The expected long-term rate of return on plan assets is an assumption reflecting the average rate of earnings expected on the funds invested or to be invested to provide for the benefits included in the projected benefit obligation. The expected long-term rate of return is established at the beginning of the plan year based upon historical returns and projected returns on the underlying mix of invested assets. The following table reconciles the beginning and ending balances of the benefit obligation of the Plan with the amounts recognized in the consolidated balance sheets at December 31: Pension Benefits (dollar amounts in millions) 2020 2019 Projected benefit obligation at beginning of measurement year $ 923 $ 821 Changes due to: Service cost 3 2 Interest cost 26 32 Benefits paid (29) (29) Settlements (19) (14) Actuarial assumptions and gains (losses) 122 111 Total changes 103 102 Projected benefit obligation at end of measurement year $ 1,026 $ 923 The increase in the benefit obligation compared with the end of the prior year is primarily attributed to a decrease in the discount rate. The following table reconciles the beginning and ending balances of the fair value of plan assets at the December 31, 2020 and 2019 measurement dates: Pension Benefits (dollar amounts in millions) 2020 2019 Fair value of plan assets at beginning of measurement year $ 931 $ 828 Changes due to: Actual return on plan assets 164 145 Settlements (16) (13) Benefits paid (29) (29) Total changes 119 103 Fair value of plan assets at end of measurement year $ 1,050 $ 931 As of December 31, 2020, the difference between the accumulated benefit obligation and the fair value of Huntington’s plan assets was $24 million and is recorded in other assets. The following table shows the components of net periodic benefit costs recognized in the three years ended December 31, 2020, 2019 and 2018: Pension Benefits (1) (dollar amounts in millions) 2020 2019 2018 Service cost $ 3 $ 2 $ 3 Interest cost 26 32 29 Expected return on plan assets (42) (44) (49) Amortization of loss 9 6 9 Settlements 5 5 7 Benefit costs $ 1 $ 1 $ (1) (1) The pension costs are recognized in noninterest income - other income in the Consolidated Statements of Income . It is Huntington’s policy to recognize settlement gains and losses as incurred. Assuming no cash contributions are made to the plan during 2021, Huntington expects net periodic pension benefit, excluding any expense of settlements, to approximate $6 million for 2021. At December 31, 2020 and 2019, The Huntington National Bank, as trustee, held all plan assets. The plan assets consisted of investments in a variety of cash equivalent, corporate and government fixed income, and equity investments as follows: Fair Value (dollar amounts in millions) 2020 2019 Cash equivalents: Mutual funds-money market $ 20 2 % $ 7 1 % Fixed income: Corporate obligations 522 50 460 49 U.S. Government obligations 208 20 199 21 Municipal obligations 6 — 5 1 Collective trust funds 118 11 105 11 Equities: Common stock 48 5 53 6 Preferred stock 5 — 5 1 Limited liability companies 39 4 43 4 Collective trust funds 33 3 35 4 Limited partnerships 51 5 19 2 Fair value of plan assets $ 1,050 100 % $ 931 100 % Investments of the Plan are accounted for at cost on the trade date and are reported at fair value. The valuation methodologies used to measure the fair value of pension plan assets vary depending on the type of asset. At December 31, 2020, cash equivalent money market funds and U.S. Treasury bills are valued at the closing price reported from an actively traded exchange and are classified as Level 1. Fixed income investments are valued using unadjusted quoted prices from active markets for similar assets are classified as Level 2. Common and preferred stock are valued using the year-end closing price as determined by a national securities exchange and are classified as Level 1. Collective trust funds and limited liability companies are valued at net asset value per unit as a practical expedient, which is calculated based on the fair values of the underlying investments held by the fund less its liabilities as reported by the issuer of the fund. The investment in the limited partnerships is reported at net asset value per share as determined by the general partners of each limited partnership, based on their proportionate share of the partnership’s fair value as recorded in the partnership’s audited financial statements. The investment objective of the plan is to maximize the return on plan assets over a long-time period, while meeting the plan obligations. At December 31, 2020, plan assets were invested 2% in cash equivalents, 17% in equity investments, and 81% in bonds, with an average duration of 15.3 years on bond investments. The estimated life of benefit obligations was 13.5 years. Although it may fluctuate with market conditions, Huntington has targeted a long-term allocation of plan assets of 20% to 50% in equity investments and 80% to 50% in bond investments. The allocation of plan assets between equity investments and fixed income investments will change from time to time. At December 31, 2020, the following table shows when benefit payments were expected to be paid: (dollar amounts in millions) Pension Benefits 2021 $ 58 2022 55 2023 53 2024 51 2025 50 2026 through 2030 243 Huntington also sponsors an unfunded defined benefit post-retirement plan as well as other nonqualified retirement plans. The following table presents the amounts recognized in the Consolidated Balance Sheets at December 31, 2020 and 2019, for all defined benefit and nonqualified retirement plans: (dollar amounts in millions) 2020 2019 Other liabilities $ 48 $ 67 The following tables present the amounts recognized in OCI as of December 31, 2020, 2019, and 2018, and the changes in accumulated OCI for the years ended December 31, 2020, 2019, and 2018: (dollar amounts in millions) 2020 2019 2018 Net actuarial loss $ (253) $ (261) $ (257) Prior service cost — 10 11 Defined benefit pension plans $ (253) $ (251) $ (246) 2020 (dollar amounts in millions) Pretax Tax (expense) Benefit After-tax Net actuarial (loss) gain: Amounts arising during the year $ (7) $ 2 $ (5) Amortization included in net periodic benefit costs 17 (4) 13 Prior service cost: Amounts arising during the year (11) 3 (8) Amortization included in net periodic benefit costs (2) — (2) Total recognized in OCI $ (3) $ 1 $ (2) 2019 (dollar amounts in millions) Pretax Tax (expense) Benefit After-tax Net actuarial (loss) gain: Amounts arising during the year $ (17) $ 5 $ (12) Amortization included in net periodic benefit costs 12 (3) 9 Prior service cost: Amortization included in net periodic benefit costs (2) — (2) Total recognized in OCI $ (7) $ 2 $ (5) 2018 (dollar amounts in millions) Pretax Tax (expense) Benefit After-tax Net actuarial (loss) gain: Amounts arising during the year $ (5) $ 2 $ (3) Amortization included in net periodic benefit costs 13 (3) 10 Prior service cost: Amortization included in net periodic benefit costs (4) 1 (3) Total recognized in OCI $ 4 $ — $ 4 Huntington has a defined contribution plan that is available to eligible employees. Huntington’s expense related to the defined contribution plans for the years ended December 31, 2020, 2019, and 2018 was $47 million, $51 million, and $46 million, respectively. The following table shows the number of shares, market value, and dividends received on shares of Huntington stock held by the defined contribution plan: December 31, (dollar amounts in millions, share amounts in thousands) 2020 2019 Shares in Huntington common stock 10,121 10,334 Market value of Huntington common stock $ 128 $ 156 Dividends received on shares of Huntington stock 6 6

FAIR VALUES OF ASSETS AND LIABI

FAIR VALUES OF ASSETS AND LIABILITIES	12 Months Ended
	Dec. 31, 2020
Fair Value Disclosures [Abstract]
FAIR VALUES OF ASSETS AND LIABILITIES	FAIR VALUES OF ASSETS AND LIABILITIES Following is a description of the valuation methodologies used for instruments measured at fair value, as well as the general classification of such instruments pursuant to the valuation hierarchy. Loans held for sale Huntington has elected to apply the fair value option for mortgage loans originated with the intent to sell which are included in loans held for sale. Mortgage loans held for sale are classified as Level 2 and are estimated using security prices for similar product types. Loans held for investment Certain mortgage loans originated with the intent to sell for which the FVO was elected have been reclassified to mortgage loans held for investment. These loans continue to be measured at fair value. The fair value is determined using fair value of similar mortgage-backed securities adjusted for loan specific variables. Huntington elected the fair value option for certain consumer loans with deteriorated credit quality. These consumer loans are classified as Level 3. The key assumption used to determine the fair value of the consumer loans is discounted cash flows. Available-for-sale securities and trading account securities Securities accounted for at fair value include both the available-for-sale and trading portfolios. Huntington determines the fair value of securities utilizing quoted market prices obtained for identical or similar assets, third-party pricing services, third-party valuation specialists and other observable inputs such as recent trade observations. AFS and trading securities classified as Level 1 use quoted market prices (unadjusted) in active markets for identical securities at the measurement date. Less than 1% of the positions in these portfolios are Level 1, and consist of U.S. Treasury securities and money market mutual funds. When quoted market prices are not available, fair values are classified as Level 2 using quoted prices for similar assets in active markets, quoted prices of identical or similar assets in markets that are not active, and inputs that are observable for the asset, either directly or indirectly, for substantially the full term of the financial instrument. Level 2 represents 82% of the positions in these portfolios, which consists of U.S. Government and agency debt securities, agency mortgage backed securities, private-label asset-backed securities, certain municipal securities and other securities. For Level 2 securities Huntington primarily uses prices obtained from third-party pricing services to determine the fair value of securities. Huntington independently evaluates and corroborates the fair value received from pricing services through various methods and techniques, including references to dealer or other market quotes, by reviewing valuations of comparable instruments, and by comparing the prices realized on the sale of similar securities. If relevant market prices are limited or unavailable, valuations may require significant management judgment or estimation to determine fair value, in which case the fair values are classified as Level 3, which represent 18% of the positions. The Level 3 positions predominantly consist of direct purchase municipal securities. A significant change in the unobservable inputs for these securities may result in a significant change in the ending fair value measurement of these securities. The direct purchase municipal securities are classified as Level 3 and require significant estimates to determine fair value which results in greater subjectivity. The fair value is determined by utilizing a discounted cash flow valuation technique employed by a third-party valuation specialist. The third-party specialist uses assumptions related to yield, prepayment speed, conditional default rates and loss severity based on certain factors such as, credit worthiness of the counterparty, prevailing market rates, and analysis of similar securities. Huntington evaluates the fair values provided by the third-party specialist for reasonableness. Derivative assets and liabilities Derivatives classified as Level 2 consist of foreign exchange and commodity contracts, which are valued using exchange traded swaps and futures market data. In addition, Level 2 includes interest rate contracts, which are valued using a discounted cash flow method that incorporates current market interest rates. Level 2 also includes exchange traded options and forward commitments to deliver mortgage-backed securities, which are valued using quoted prices. Derivatives classified as Level 3 consist of interest rate lock agreements related to mortgage loan commitments and the Visa ® share swap. The determination of fair value of the interest rate locks includes assumptions related to the likelihood that a commitment will ultimately result in a closed loan, which is a significant unobservable assumption. A significant increase or decrease in the external market price would result in a significantly higher or lower fair value measurement. Assets and Liabilities measured at fair value on a recurring basis Assets and liabilities measured at fair value on a recurring basis at December 31, 2020 and 2019 are summarized below: Fair Value Measurements at Reporting Date Using Netting Adjustments (1) December 31, 2020 (dollar amounts in millions) Level 1 Level 2 Level 3 Assets Trading account securities: Municipal securities $ — $ 62 $ — $ — $ 62 Available-for-sale securities: U.S. Treasury securities 5 — — — 5 Residential CMOs — 3,666 — — 3,666 Residential MBS — 7,935 — — 7,935 Commercial MBS — 1,163 — — 1,163 Other agencies — 62 — — 62 Municipal securities — 53 2,951 — 3,004 Private-label CMO — — 9 — 9 Asset-backed securities — 182 10 — 192 Corporate debt — 445 — — 445 Other securities/sovereign debt — 4 — — 4 5 13,510 2,970 — 16,485 Other securities 59 — — — 59 Loans held for sale — 1,198 — — 1,198 Loans held for investment — 71 23 — 94 MSRs — — 210 — 210 Derivative assets — 1,903 43 (889) 1,057 Liabilities Derivative liabilities — 1,031 2 (917) 116 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 years ended December 31, 2020, 2019, and 2018 for financial instruments measured on a recurring basis and classified as Level 3. The classification of an item as Level 3 is based on the significance of the unobservable inputs to the overall fair value measurement. However, Level 3 measurements may also include observable components of value that can be validated externally. Accordingly, the gains and losses in the table below include changes in fair value due in part to observable factors that are part of the valuation methodology. Level 3 Fair Value Measurements Available-for-sale securities (dollar amounts in millions) MSRs Derivative instruments Municipal securities Private- Asset- backed securities Loans held for investment Opening balance $ 7 $ 6 $ 2,999 $ 2 $ 48 $ 26 Fair value election for serving assets previously measured using the amortized method 205 — — — — Transfers out of Level 3 (1) — (198) — — — — Total gains/losses for the period: Included in earnings (104) 233 (2) — — — Included in OCI — — 65 — — — Purchases/originations 102 — 623 7 28 — Repayments — — — — — (3) Settlements — — (734) — (66) — Closing balance $ 210 $ 41 $ 2,951 $ 9 $ 10 $ 23 Change in unrealized gains or losses for the period included in earnings for assets held at end of the reporting date $ (104) $ 34 $ — $ — $ — $ — Change in unrealized gains or losses for the period included in other comprehensive income for assets held at the end of the reporting period $ — $ — $ 68 $ — $ — $ — Level 3 Fair Value Measurements Available-for-sale securities Loans held for investment (dollar amounts in millions) MSRs Derivative instruments Municipal securities Private- Asset- backed securities Opening balance $ 10 $ 2 $ 3,165 $ — $ — $ 30 Transfers out of Level 3 (1) — (62) — — — — Total gains/losses for the period: Included in earnings (3) 66 (1) — — 1 Included in OCI — — 77 — — — Purchases/originations — — 254 2 55 — Repayments — — — — — (5) Settlements — — (496) — (7) — Closing balance $ 7 $ 6 $ 2,999 $ 2 $ 48 $ 26 Change in unrealized gains or losses for the period included in earnings (or changes in net assets) for assets held at end of the reporting date $ (3) $ 3 $ — $ — $ — $ — Change in unrealized gains or losses for the period included in other comprehensive income for assets held at the end of the reporting period $ — $ — $ 74 $ — $ — $ — Level 3 Fair Value Measurements Available-for-sale securities Loans held for investment (dollar amounts in millions) MSRs Derivative instruments Municipal securities Asset- backed securities Opening balance $ 11 $ (1) $ 3,167 $ 24 $ 38 Transfers out of Level 3 (1) — (35) — — — Total gains/losses for the period: Included in earnings (1) 35 (3) (2) — Included in OCI — — (52) 11 — Purchases/originations — — 658 — — Sales — — — (33) — Repayments — — — — (8) Settlements — 3 (605) — — Closing balance $ 10 $ 2 $ 3,165 $ — $ 30 Change in unrealized gains or losses for the period included in earnings (or changes in net assets) for assets held at end of the reporting date $ (1) $ — $ — $ — $ — Change in unrealized gains or losses for the period included in other comprehensive income for assets held at the end of the reporting period $ — $ — $ (52) $ — $ — (1) Transfers out of Level 3 represent the settlement value of the derivative instruments (i.e. interest rate lock agreements) that are transferred to loans held for sale, which is classified as Level 2. The tables below summarize the classification of gains and losses due to changes in fair value, recorded in earnings for Level 3 assets and liabilities for the years ended December 31, 2020, 2019, and 2018: 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 $ (104) $ 233 $ — Interest and fee income — — (2) Total $ (104) $ 233 $ (2) Level 3 Fair Value Measurements Available-for-sale securities Loans held for investment (dollar amounts in millions) MSRs Derivative instruments Municipal securities Classification of gains and losses in earnings: Mortgage banking income $ (3) $ 66 $ — $ — Interest and fee income — — (1) 1 Total $ (3) $ 66 $ (1) $ 1 Level 3 Fair Value Measurements Available-for-sale securities (dollar amounts in millions) MSRs Derivative instruments Municipal securities Asset- backed securities Classification of gains and losses in earnings: Mortgage banking income (loss) $ (1) $ 35 $ — $ — Securities gains (losses) — — — (2) Interest and fee income — — (3) — Total $ (1) $ 35 $ (3) $ (2) 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: December 31, 2020 Total Loans Loans that are 90 or more days past due (dollar amounts in millions) Fair value Aggregate Difference Fair value Aggregate Difference Assets Loans held for sale $ 1,198 $ 1,134 $ 64 $ 2 $ 2 $ — Loans held for investment 94 99 (5) 7 8 (1) December 31, 2019 Total Loans Loans that are 90 or more days past due (dollar amounts in millions) Fair value Aggregate Difference Fair value Aggregate Difference Assets Loans held for sale $ 781 $ 755 $ 26 $ 2 $ 2 $ — Loans held for investment 81 87 $ (6) 3 4 (1) The following tables present the net gains from fair value changes for the years ended December 31, 2020, 2019, and 2018: Net gains (losses) from fair value changes Year Ended December 31, (dollar amounts in millions) 2020 2019 2018 Assets Loans held for sale (1) $ 38 $ 7 $ 5 Loans held for investment 1 1 — (1) The net gains (losses) from fair value changes are included in Mortgage banking income on the Consolidated Statements of Income. Assets and Liabilities measured at fair value on a nonrecurring basis Certain assets and liabilities may be required to be measured at fair value on a nonrecurring basis in periods subsequent to their initial recognition. These assets and liabilities are not measured at fair value on an ongoing basis; however, they are subject to fair value adjustments in certain circumstances, such as when there is evidence of impairment. The amounts presented represent the fair value on the various measurement dates throughout the period. The gains(losses) represent the amounts recorded during the period regardless of whether the asset is still held at period end. The amounts measured at fair value on a nonrecurring basis at December 31, 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 $ 144 $ — $ — $ 144 $ (43) Loans held for sale 124 — — 124 (63) Huntington records nonrecurring adjustments of collateral-dependent loans held for investment. Such amounts are generally based on the fair value of the underlying collateral supporting the loan. Appraisals are generally obtained to support the fair value of the collateral and incorporate measures such as recent sales prices for comparable properties and cost of construction. Periodically, in cases where the carrying value exceeds the fair value of the collateral less cost to sell, an impairment charge is recognized in the form of a charge-off. 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 December 31, 2020 and 2019: Quantitative Information about Level 3 Fair Value Measurements at December 31, 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 $ 210 Discounted cash flow Constant prepayment rate 8 % - 24 % 17 % Spread over forward interest rate swap rates 4 % - 11 % 5 % Derivative assets 43 Consensus Pricing Net market price (4) % - 11 % 3 % Estimated Pull through % 1 % - 100 % 88 % Municipal securities 2,951 Discounted cash flow Discount rate — % - 1 % 1 % Asset-backed securities 10 Cumulative default — % - 39 % 4 % Loss given default 5 % - 80 % 25 % Measured at fair value on a nonrecurring basis: Collateral-dependent loans 144 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 December 31, 2020 and December 31, 2019: December 31, 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 $ 6,712 $ — $ — $ 6,712 $ 6,712 Trading account securities — — 62 62 62 Available-for-sale securities — — 16,485 16,485 16,485 Held-to-maturity securities 8,861 — — 8,861 9,255 Other securities 359 — 59 418 418 Loans held for sale — 77 1,198 1,275 1,275 Net loans and leases (1) 79,700 — 94 79,794 80,477 Derivative assets — — 1,057 1,057 1,057 Financial Liabilities Deposits 98,948 — — 98,948 99,021 Short-term borrowings 183 — — 183 183 Long-term debt 8,352 — — 8,352 8,568 Derivative liabilities — — 116 116 116 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 December 31, 2020 and December 31, 2019: Estimated Fair Value Measurements at Reporting Date Using Netting December 31, 2020 (dollar amounts in millions) Level 1 Level 2 Level 3 Adjustments (1) Financial Assets Trading account securities $ — $ 62 $ — $ 62 Available-for-sale securities 5 13,510 2,970 16,485 Held-to-maturity securities — 9,255 — 9,255 Other securities (2) 59 — — 59 Loans held for sale — 1,198 77 1,275 Net loans and direct financing leases — 71 80,406 80,477 Derivative assets — 1,903 43 (889) 1,057 Financial Liabilities Deposits — 96,656 2,365 99,021 Short-term borrowings — 183 — 183 Long-term debt — 7,999 569 8,568 Derivative liabilities — 1,031 2 (917) 116 Estimated Fair Value Measurements at Reporting Date Using Netting December 31, 2019 (dollar amounts in millions) Level 1 Level 2 Level 3 Adjustments (1) 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, mortgage servicing rights, deposit base, and other customer relationship intangibles are not considered financial instruments and are not included above. Accordingly, this fair value information is not intended to, and does not, represent Huntington’s underlying value. Many of the assets and liabilities subject to the disclosure requirements are not actively traded, requiring fair values to be estimated by Management. These estimations necessarily involve the use of judgment about a wide variety of factors, including but not limited to, relevancy of market prices of comparable instruments, expected future cash flows, and appropriate discount rates.

DERIVATIVE FINANCIAL INSTRUMENT

DERIVATIVE FINANCIAL INSTRUMENTS	12 Months Ended
	Dec. 31, 2020
Derivative Instruments and Hedging Activities Disclosure [Abstract]
DERIVATIVE FINANCIAL INSTRUMENTS	DERIVATIVE FINANCIAL INSTRUMENTS Derivative financial instruments are recorded in the Consolidated Balance Sheets as either an asset or a liability (in other assets or other liabilities, respectively) and measured at fair value. Derivative financial instruments can be designated as accounting hedges under GAAP. Designating a derivative as an accounting hedge allows Huntington to recognize gains and losses on the hedging instruments in the income statement line item where the gains and losses on the hedged item are recognized. Gains and losses on derivatives that are not designated in an effective hedge relationship under GAAP immediately impact earnings within the period they occur. The following table presents the fair values and notional values of all derivative instruments included in the Consolidated Balance Sheets at December 31, 2020 and December 31, 2019. Amounts in the table below are presented gross without the impact of any net collateral arrangements. December 31, 2020 December 31, 2019 (dollar amounts in millions) Notional Value Asset Liability Notional Value Asset Liability Derivatives designated as Hedging Instruments Interest rate contracts $ 27,056 $ 719 $ 51 $ 25,927 $ 256 $ 36 Derivatives not designated as Hedging Instruments Interest rate contracts 44,495 1,074 828 27,614 420 314 Foreign exchange contracts 2,718 46 47 2,173 19 18 Commodities contracts 1,952 107 103 3,020 155 152 Equity contracts 517 — 4 427 6 1 Total Contracts $ 76,738 $ 1,946 $ 1,033 $ 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 Consolidated Income Statement for the years ended December 31, 2020 and 2019. Location of Gain or (Loss) Recognized in Income on Derivative Year Ended December 31, (dollar amounts in millions) 2020 2019 2018 Interest rate contracts: Customer Capital markets fees $ 47 $ 49 $ 41 Mortgage Banking Mortgage banking income 52 37 (19) Interest rate floors Interest and fee income on loans and leases (2) 4 — Interest rate caps Interest expense on long-term debt 5 — — Foreign exchange contracts Capital markets fees 27 28 27 Commodities contracts Capital markets fees 4 (2) 6 Equity contracts Other noninterest expense (4) (4) 4 Total $ 129 $ 112 $ 59 Derivatives used in asset and liability management activities Huntington engages in balance sheet hedging activity, principally for asset and liability management purposes. Balance sheet hedging activity is generally arranged to receive hedge accounting treatment that can be classified as either fair value or cash flow hedges. Fair value hedges are executed to hedge changes in fair value of outstanding fixed-rate debt and investment securities caused by fluctuations in market interest rates. Cash flow hedges are executed to modify interest rate characteristics of designated commercial loans in order to reduce the impact of changes in future cash flows due to market interest rate changes. The following table presents the gross notional values of derivatives used in Huntington’s asset and liability management activities at December 31, 2020 and December 31, 2019, identified by the underlying interest rate-sensitive instruments: December 31, 2020 (dollar amounts in millions) Fair Value Hedges Cash Flow Hedges Economic Hedges Total Instruments associated with: Investment securities $ 3,484 $ — $ — $ 3,484 Loans — 17,375 1,271 18,646 Long-term debt 6,197 — 5,000 11,197 Total notional value at December 31, 2020 $ 9,681 $ 17,375 $ 6,271 $ 33,327 December 31, 2019 (dollar amounts in millions) Fair Value Hedges Cash Flow Hedges Economic Hedges Total Instruments associated with: Investment securities $ — $ 12 $ — $ 12 Loans — 18,375 — 18,375 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. Also, recorded as an adjustment to interest income were the amounts related to amortization of floor and forward-starting floor premiums that were excluded from the hedge effectiveness, changes in the fair value of economic hedges, as well as the amounts related to terminated hedges reclassified from AOCI. The net amounts resulted in an increase (decrease) to net interest income of $239 million, $(53) million, and $(36) million for the years ended December 31, 2020, 2019, and 2018, 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 the 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 years ended December 31, 2020 and 2019: Year Ended December 31, (dollar amounts in millions) 2020 2019 2018 Interest rate contracts Change in fair value of interest rate swaps hedging investment securities (1) $ 6 $ — $ — Change in fair value of hedged investment securities (1) 3 — — Change in fair value of interest rate swaps hedging long-term debt (2) 113 127 112 Change in fair value of hedged long term debt (2) (118) (125) (104) (1) Recognized in Interest income—available-for-sale securities—taxable in the Conso lidated Statements of Income . (2) Recognized in Interest expense - long-term debt in the Consolidated Statements of Income . As of December 31, 2020, the following amounts were recorded on the balance sheet related to cumulative basis adjustments for fair value hedges. Amortized Cost Cumulative Amount of Fair Value Hedging Adjustment To Hedged Items At December 31, At December 31, (dollar amounts in millions) 2020 2019 2020 2019 Assets Investment securities (1) $ 6,637 $ — $ 3 $ — Liabilities Long-term debt 6,383 7,578 232 114 (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 December 31, 2020, the amortized cost basis of the closed portfolios used in these hedging relationships was $6.2 billion, the cumulative basis adjustments associated with these hedging relationships was $2 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 is $(62) million at December 31, 2020 and $(93) million at December 31, 2019. Cash Flow Hedges At December 31, 2020, Huntington has $17.4 billion of interest rate floors, floor spreads, and swaps. These are designated as cash flow hedges for variable rate commercial loans indexed to LIBOR. The change in the fair value of a derivative instrument designated as a cash flow hedge is initially recognized in OCI and is reclassified into income when the hedged item impacts earnings. The initial premium paid for the interest rate floor contracts represents the time value of the contracts and is not included in the measurement of hedge effectiveness. Any change in fair value related to time value is recognized in OCI. The initial premium paid is amortized on a straight line basis as a reduction to interest income over the contractual life of these contracts. Gains on interest rate floors, floor spreads, and swaps recognized in other comprehensive income were $234 million and $23 million for the years ended December 31, 2020 and 2019, respectively. No gains were recognized for the year ended December 31, 2018. At December 31, 2020, the net gains recognized in AOCI that are expected to be reclassified into earnings within the next 12 months were $37 million. Derivatives used in mortgage banking activities Mortgage loan origination hedging activity Huntington’s mortgage origination hedging activity is related to economically hedging of Huntington’s mortgage pricing commitments to customers and the secondary sale to third parties. The value of a newly originated mortgage is not firm until the interest rate is committed or locked. Forward commitments to sell economically hedge the possible loss on interest rate lock commitments due to interest rate change. The net asset position of these derivatives at December 31, 2020 and December 31, 2019 are $26 million and $6 million, respectively. At December 31, 2020 and 2019, Huntington had commitments to sell residential real estate loans of $2.9 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, TBA securities, Treasury futures contracts, interest rate swaps, and options on interest rate swaps. The notional value of the derivative financial instruments, the corresponding net asset (liability) position recognized in other assets and/or other liabilities, and net trading gains (losses) related to MSR hedging activity is summarized in the following table: MSR hedging activity At December 31, (dollar amounts in millions) 2020 2019 Notional value $ 1,170 $ 778 Trading assets 43 19 Year December 31, (dollar amounts in millions) 2020 2019 2018 Trading gains (losses) $ 52 $ 30 $ (8) MSR hedging trading assets and liabilities are included in other assets and other liabilities, respectively, in the Consolidated Balance Sheets. Trading gains (losses) are included in mortgage banking income in the Consolidated Statement of Income. Derivatives used in customer related activities Various derivative financial instruments are offered to enable customers to meet their financing and investing objectives and for their risk management purposes. Derivative financial instruments used in trading activities consist of commodity, interest rate, and foreign exchange contracts. Huntington enters into offsetting third-party contracts with approved, reputable counterparties with substantially matching terms and currencies in order to economically hedge significant exposure related to derivatives used in trading activities. The interest rate or price risk of customer derivatives is mitigated by entering into similar derivatives having offsetting terms with other counterparties. The credit risk to these customers is evaluated and included in the calculation of fair value. Foreign currency derivatives help the customer hedge risk and reduce exposure to fluctuations in exchange rates. Transactions are primarily in liquid currencies with Canadian dollars and Euros comprising a majority of all transactions. Commodity derivatives help the customer hedge risk and reduce exposure to fluctuations in the price of various commodities. Hedging of energy-related products and base metals comprise the majority of these transactions. The net fair values of these derivative financial instruments, for which the gross amounts are included in other assets or other liabilities at December 31, 2020 and December 31, 2019, were $70 million and $87 million, respectively. The total notional values of derivative financial instruments used by Huntington on behalf of customers, including offsetting derivatives, were $37 billion and $30 billion at December 31, 2020 and December 31, 2019, respectively. Huntington’s credit risk from customer derivatives was $882 million and $407 million at the same dates, respectively. Financial assets and liabilities that are offset in the Consolidated Balance Sheets Huntington records derivatives at fair value as further described in Note 20 - “ 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 $175 million and $22 million at December 31, 2020 and December 31, 2019, respectively. The credit risk associated with derivatives is calculated after considering master netting agreements. At December 31, 2020, Huntington pledged $276 million of investment securities and cash collateral to counterparties, while other counterparties pledged $387 million of investment securities and cash collateral to Huntington to satisfy collateral netting agreements. In the event of credit downgrades, Huntington would not be required to provide additional collateral. The following tables present the gross amounts of these assets and liabilities with any offsets to arrive at the net amounts recognized in the Consolidated Balance Sheets at December 31, 2020 and December 31, 2019: Offsetting of Financial Assets and Derivative Assets Gross amounts offset in the consolidated balance sheets Net amounts of assets presented in the consolidated balance sheets Gross amounts not offset in the consolidated balance sheets (dollar amounts in millions) Gross amounts of recognized assets Financial instruments Cash collateral received Net amount December 31, 2020 Derivatives $ 1,946 $ (889) $ 1,057 $ (112) $ (142) $ 803 December 31, 2019 Derivatives 856 (404) 452 (65) (29) 358 Offsetting of Financial Liabilities and Derivative Liabilities Gross amounts offset in the consolidated balance sheets Net amounts of liabilities presented in the consolidated balance sheets Gross amounts not offset in the consolidated balance sheets (dollar amounts in millions) Gross amounts of recognized liabilities Financial instruments Cash collateral delivered Net amount December 31, 2020 Derivatives $ 1,033 $ (917) $ 116 $ (9) $ (105) $ 2 December 31, 2019 Derivatives 521 (417) 104 — (75) 29

VIEs

VIEs	12 Months Ended
	Dec. 31, 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 Consolidated Financial Statements, as well as the maximum exposure to losses, associated with its interests related to unconsolidated VIEs for which Huntington holds an interest in, but is not the primary beneficiary of, the VIE at December 31, 2020, and 2019: December 31, 2020 (dollar amounts in millions) Total Assets Total Liabilities Maximum Exposure to Loss Trust Preferred Securities $ 14 $ 252 $ — Affordable Housing Tax Credit Partnerships 956 500 956 Other Investments 308 72 308 Total $ 1,278 $ 824 $ 1,264 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 consolidated trusts whose assets, liabilities, equity, income, and expenses are not included within Huntington’s Consolidated Financial Statements. These trusts have been formed for the sole purpose of issuing trust-preferred securities, from which the proceeds are then invested in Huntington junior subordinated debentures, which are reflected in Huntington’s Consolidated Balance Sheet as long-term debt. The trust securities are the obligations of the trusts, and as such, are not consolidated within Huntington’s Consolidated Financial Statements. A list of trust-preferred securities outstanding at December 31, 2020 follows: (dollar amounts in millions) Rate Principal amount of subordinated note/ debenture issued to trust (1) Investment in unconsolidated subsidiary Huntington Capital I 0.94 % (2) $ 70 $ 6 Huntington Capital II 0.86 (3) 32 3 Sky Financial Capital Trust III 1.64 (4) 72 2 Sky Financial Capital Trust IV 1.64 (4) 74 2 Camco Financial Trust 1.57 (5) 4 1 Total $ 252 $ 14 (1) Represents the principal amount of debentures issued to each trust, including unamortized original issue discount. (2) Variable effective rate at December 31, 2020, based on three-month LIBOR + 0.70%. (3) Variable effective rate at December 31, 2020, based on three-month LIBOR + 0.625%. (4) Variable effective rate at December 31, 2020, based on three-month LIBOR + 1.40%. (5) Variable effective rate at December 31, 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 Consolidated Statements of Income. The following table presents the balances of Huntington’s affordable housing tax credit investments and related unfunded commitments at December 31, 2020 and 2019. (dollar amounts in millions) December 31, December 31, Affordable housing tax credit investments $ 1,568 $ 1,242 Less: amortization (612) (515) Net affordable housing tax credit investments $ 956 $ 727 Unfunded commitments $ 500 $ 332 The following table presents other information relating to Huntington’s affordable housing tax credit investments for the years ended December 31, 2020, 2019, and 2018: Year Ended December 31, (dollar amounts in millions) 2020 2019 2018 Tax credits and other tax benefits recognized $ 113 $ 98 $ 92 Proportional amortization expense included in provision for income taxes 97 84 79 Other Investments Other investments determined to be VIE’s include investments in Small Business Investment Companies, Historic Tax Credit Investments, certain equity method investments, renewable energy financings, and other miscellaneous investments.

COMMITMENTS AND CONTINGENT LIAB

COMMITMENTS AND CONTINGENT LIABILITIES	12 Months Ended
	Dec. 31, 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 Consolidated Financial Statements. The contract amounts of these financial agreements at December 31, 2020, and December 31, 2019 were as follows: At December 31, (dollar amounts in millions) 2020 2019 Contract amount representing credit risk Commitments to extend credit: Commercial $ 20,701 $ 18,326 Consumer 14,808 14,831 Commercial real estate 1,313 1,364 Standby letters of credit 581 587 Commercial letters of credit 21 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 December 31, 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 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 December 31, 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.

OTHER REGULATORY MATTERS

OTHER REGULATORY MATTERS	12 Months Ended
	Dec. 31, 2020
BankingRegulation [Abstract]
OTHER REGULATORY MATTERS	OTHER REGULATORY MATTERS Huntington and the Bank are subject to certain risk-based capital and leverage ratio requirements under the U.S. Basel III capital rules adopted by the Federal Reserve, for Huntington, and by the OCC, for the Bank. These rules implement the Basel III international regulatory capital standards in the United States, as well as certain provisions of the Dodd-Frank Act. These quantitative calculations are minimums, and the Federal Reserve and OCC may determine that a banking organization, based on its size, complexity or risk profile, must maintain a higher level of capital in order to operate in a safe and sound manner. Under the U.S. Basel III capital rules, Huntington’s and the Bank’s assets, exposures and certain off-balance sheet items are subject to risk weights used to determine the institutions’ risk-weighted assets. These risk-weighted assets are used to calculate the following minimum capital ratios for Huntington and the Bank: CET1 Risk-Based Capital Ratio , equal to the ratio of CET1 capital to risk-weighted assets. CET1 capital primarily includes common shareholders’ equity subject to certain regulatory adjustments and deductions, including with respect to goodwill, intangible assets, certain deferred tax assets, and AOCI. Tier 1 Risk-Based Capital Ratio , equal to the ratio of Tier 1 capital to risk-weighted assets. Tier 1 capital is primarily comprised of CET1 capital, perpetual preferred stock and certain qualifying capital instruments. Total Risk-Based Capital Ratio , equal to the ratio of total capital, including CET1 capital, Tier 1 capital and Tier 2 capital, to risk-weighted assets. Tier 2 capital primarily includes qualifying subordinated debt and qualifying ALLL. Tier 2 capital also includes, among other things, certain trust preferred securities. Tier 1 Leverage Ratio , equal to the ratio of Tier 1 capital to quarterly average assets (net of goodwill, certain other intangible assets and certain other deductions). The total minimum regulatory capital ratios and well-capitalized minimum ratios are reflected on the following page. Failure to be well-capitalized or to meet minimum capital requirements could result in certain mandatory and possible additional discretionary actions by regulators that, if undertaken, could have an adverse material effect on our operations or financial condition. Failure to be well-capitalized or to meet minimum capital requirements could also result in restrictions on Huntington’s or the Bank’s ability to pay dividends or otherwise distribute capital or to receive regulatory approval of applications. In addition to meeting the minimum capital requirements, under the U.S. Basel III capital rules Huntington and the Bank must also maintain the required stress capital buffer and Capital Conservation Buffer, respectively, to avoid becoming subject to restrictions on capital distributions and certain discretionary bonus payments to management. The Capital Conservation Buffer is calculated as a ratio of CET1 capital to risk-weighted assets, and it effectively increases the required minimum risk-based capital ratios. In March 2020, the Federal Reserve replaced the existing Capital Conservation Buffer with the stress capital buffer, which has been established as 2.5% for Huntington. As of December 31, 2020, Huntington’s and the Bank’s regulatory capital ratios were above the well-capitalized standards and met the applicable stress capital buffer and the Capital Conservation Buffer, respectively. Please refer to the table below for a summary of Huntington’s and the Bank’s regulatory capital ratios as of December 31, 2020, calculated using the regulatory capital methodology applicable during 2020. Minimum Minimum Basel III Regulatory Ratio+Capital Well- December 31, Capital Conservation Capitalized 2020 2019 (dollar amounts in millions) Ratios Buffer (1) Minimums Ratio Amount Ratio Amount CET 1 risk-based capital Consolidated 4.50 % 7.00 % N/A 10.00 % $ 8,887 9.88 % $ 8,647 Bank 4.50 7.00 6.50 % 10.65 9,438 11.17 9,747 Tier 1 risk-based capital Consolidated 6.00 8.50 6.00 12.47 11,083 11.26 9,854 Bank 6.00 8.50 8.00 11.97 10,601 12.17 10,621 Total risk-based capital Consolidated 8.00 10.50 10.00 14.46 12,856 13.04 11,413 Bank 8.00 10.50 10.00 13.58 12,032 13.59 11,864 Tier 1 leverage Consolidated 4.00 N/A N/A 9.32 11,083 9.26 9,854 Bank 4.00 N/A 5.00 8.94 10,601 10.01 10,621 (1) Reflects the stress capital buffer of 2.5% for Huntington and the Capital Conservation Buffer of 2.5% for the Bank. Huntington and its subsidiaries are also subject to various regulatory requirements that impose restrictions on cash, debt, and dividends. The Bank is required to maintain cash reserves based on the level of certain of its deposits. This reserve requirement may be met by holding cash in banking offices or on deposit at the FRB. During 2020 and 2019, the average balances of these deposits were $3.9 billion and $0.6 billion, respectively. Under current Federal Reserve regulations, the Bank is limited as to the amount and type of loans it may make to the parent company and nonbank subsidiaries. At December 31, 2020, the Bank could lend $1.2 billion to a single affiliate, subject to the qualifying collateral requirements defined in the regulations.

PARENT-ONLY FINANCIAL STATEMENT

PARENT-ONLY FINANCIAL STATEMENTS	12 Months Ended
	Dec. 31, 2020
Condensed Financial Information Disclosure [Abstract]
PARENT-ONLY FINANCIAL STATEMENTS	PARENT-ONLY FINANCIAL STATEMENTS The parent-only financial statements, which include transactions with subsidiaries, are as follows: Balance Sheets December 31, (dollar amounts in millions) 2020 2019 Assets Cash and due from banks $ 4,466 $ 3,119 Due from The Huntington National Bank 297 47 Due from non-bank subsidiaries 37 34 Investment in The Huntington National Bank 12,509 12,833 Investment in non-bank subsidiaries 147 165 Accrued interest receivable and other assets 429 349 Total assets $ 17,885 $ 16,547 Liabilities and shareholders’ equity Long-term borrowings $ 4,142 $ 4,095 Dividends payable, accrued expenses, and other liabilities 750 657 Total liabilities 4,892 4,752 Shareholders’ equity (1) 12,993 11,795 Total liabilities and shareholders’ equity $ 17,885 $ 16,547 (1) See Consolidated Statements of Changes in Shareholders’ Equity. Statements of Income Year Ended December 31, (dollar amounts in millions) 2020 2019 2018 Income Dividends from: The Huntington National Bank $ 1,527 $ 685 $ 1,722 Non-bank subsidiaries 36 3 — Interest from: The Huntington National Bank 4 8 27 Non-bank subsidiaries 1 2 2 Other 11 2 (2) Total income 1,579 700 1,749 Expense Personnel costs 17 6 2 Interest on borrowings 115 143 124 Other 123 145 118 Total expense 255 294 244 Income before income taxes and equity in undistributed net income of subsidiaries 1,324 406 1,505 Provision (benefit) for income taxes (46) (63) (48) Income before equity in undistributed net income of subsidiaries 1,370 469 1,553 Increase (decrease) in undistributed net income (loss) of: The Huntington National Bank (547) 908 (186) Non-bank subsidiaries (6) 34 26 Net income $ 817 $ 1,411 $ 1,393 Other comprehensive income (loss) (1) 448 353 (80) Comprehensive income $ 1,265 $ 1,764 $ 1,313 (1) See Consolidated Statements of Comprehensive Income for other comprehensive income (loss) detail. Statements of Cash Flows Year Ended December 31, (dollar amounts in millions) 2020 2019 2018 Operating activities Net income $ 817 $ 1,411 $ 1,393 Adjustments to reconcile net income to net cash provided by operating activities: Equity in undistributed net income of subsidiaries 553 (942) 197 Depreciation and amortization — (2) (2) Other, net 89 (19) 121 Net cash (used for) provided by operating activities 1,459 448 1,709 Investing activities Repayments from subsidiaries 8 701 21 Advances to subsidiaries (256) (11) (13) (Purchases)/Proceeds from sale of securities (1) (38) — Cash paid for acquisitions, net of cash received — — (15) Net cash (used for) provided by investing activities (249) 652 (7) Financing activities Net proceeds from issuance of medium-term notes 747 797 501 Payment of medium-term notes — — (400) Payment of long-term debt (800) — — Dividends paid on common and preferred stock (698) (671) (584) Repurchases of common stock (92) (441) (939) Net proceeds from issuance of preferred stock 988 — 495 Other, net (8) (18) (41) Net cash provided by (used for) financing activities 137 (333) (968) Increase (decrease) in cash and cash equivalents 1,347 767 734 Cash and cash equivalents at beginning of year 3,119 2,352 1,618 Cash and cash equivalents at end of year $ 4,466 $ 3,119 $ 2,352 Supplemental disclosure: Interest paid $ 113 $ 135 $ 126

SEGMENT REPORTING

SEGMENT REPORTING	12 Months Ended
	Dec. 31, 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. Business segment results are determined based upon Huntington’s management reporting system, which assigns balance sheet and income statement items to each of the business segments. The process is designed around the organizational and management structure and, accordingly, the results derived are not necessarily comparable with similar information published by other financial institutions. Additionally, because of the interrelationships of the various segments, the information presented is not indicative of how the segments would perform if they operated as independent entities. Revenue is recorded in the business segment responsible for the related product or service. Fee sharing is recorded to allocate portions of such revenue to other business segments involved in selling to, or providing service to customers. Results of operations for the business segments reflect these fee sharing allocations. The management process that develops the business segment reporting utilizes various estimates and allocation methodologies to measure the performance of the business segments. Expenses are allocated to business segments using a two-phase approach. The first phase consists of measuring and assigning unit costs (activity-based costs) to activities related to product origination and servicing. These activity-based costs are then extended, based on volumes, with the resulting amount allocated to business segments that own the related products. The second phase consists of the allocation of overhead costs to all four business segments from Treasury / Other. Huntington utilizes a full-allocation methodology, where all Treasury / Other expenses, except a small amount of other residual unallocated expenses, are allocated to the four business segments. The management policies and processes utilized in compiling segment financial information are highly subjective and, unlike financial accounting, are not based on authoritative guidance similar to GAAP. As a result, reported segment results are not necessarily comparable with similar information reported by other financial institutions. Furthermore, changes in management structure or allocation methodologies and procedures result in changes in reported segment financial data. Accordingly, certain amounts have been reclassified to conform to the current period presentation. Huntington uses an active and centralized FTP methodology to attribute appropriate net interest income to the business segments. The intent of the FTP methodology is to transfer interest rate risk from the business segments by providing matched duration funding of assets and liabilities. The result is to centralize the financial impact, management, and reporting of interest rate risk in the Treasury / Other function where it can be centrally monitored and managed. The Treasury / Other function charges (credits) an internal cost of funds for assets held in (or pays for funding provided by) each business segment. The FTP rate is based on prevailing market interest rates for comparable duration assets (or liabilities). Consumer and Business Banking - The Consumer and Business Banking segment, including Home Lending, provides a wide array of financial products and services to consumer and small business customers including but not limited to checking accounts, savings accounts, money market accounts, certificates of deposit, mortgage loans, consumer loans, credit cards, and small business loans and investment products. Other financial services available to customers include insurance, interest rate risk protection, foreign exchange, and treasury management. Business Banking is defined as serving companies with revenues up to $20 million. Home Lending supports origination and servicing of consumer loans and mortgages for customers who are generally located in our primary banking markets across all segments. Commercial Banking - Through a relationship banking model, this segment provides a wide array of products and services to the middle market, large corporate, real estate and government public sector customers located primarily within our geographic footprint. The segment is divided into four business units: Relationship Banking Group, Specialized Lending Group, Treasury Management/Deposits Group and Capital Markets Group. Vehicle Finance - Our products and services include providing financing to consumers for the purchase of automobiles, light-duty trucks, recreational vehicles, and marine craft at franchised and other select dealerships, and providing financing to franchised dealerships for the acquisition of new and used inventory. Products and services are delivered through highly specialized relationship-focused bankers and product partners. Regional Banking and The Huntington Private Client Group - The core business of The Huntington Private Client Group is The Huntington Private Bank, which consists of Private Banking, Wealth & Investment Management, and Retirement Plan Services. The Huntington Private Bank provides high net-worth customers with deposit, lending (including specialized lending options), and banking services. The Huntington Private Bank also delivers wealth management and legacy planning through investment and portfolio management, fiduciary administration, and trust services. This group also provides retirement plan services to corporate businesses. The Huntington Private Client Group provides corporate trust services and institutional and mutual fund custody services. Listed in the table below is certain operating basis financial information reconciled to Huntington’s December 31, 2020, December 31, 2019, and December 31, 2018, reported results by business segment: Income Statements (dollar amounts in millions) Consumer & Business Banking Commercial Banking Vehicle Finance RBHPCG Treasury / Other Huntington Consolidated 2020 Net interest income $ 1,436 $ 903 $ 430 $ 160 $ 295 $ 3,224 Provision (benefit) for credit losses 265 626 146 11 — 1,048 Noninterest income 945 364 9 201 72 1,591 Noninterest expense 1,774 542 141 243 95 2,795 Provision (benefit) for income taxes 72 21 32 22 8 155 Net income (loss) $ 270 $ 78 $ 120 $ 85 $ 264 $ 817 2019 Net interest income $ 1,766 $ 1,037 $ 397 $ 198 $ (185) $ 3,213 Provision (benefit) for credit losses 114 132 44 (3) — 287 Noninterest income 825 359 12 198 60 1,454 Noninterest expense 1,673 564 148 256 80 2,721 Provision (benefit) for income taxes 169 147 45 30 (143) 248 Net income (loss) $ 635 $ 553 $ 172 $ 113 $ (62) $ 1,411 2018 Net interest income $ 1,727 $ 1,013 $ 392 $ 203 $ (146) $ 3,189 Provision (benefit) for credit losses 137 42 55 1 — 235 Noninterest income 744 321 11 193 52 1,321 Noninterest expense 1,699 502 143 244 59 2,647 Provision (benefit) for income taxes 133 166 43 32 (139) 235 Net income (loss) $ 502 $ 624 $ 162 $ 119 $ (14) $ 1,393 Assets at December 31, Deposits at December 31, (dollar amounts in millions) 2020 2019 2020 2019 Consumer & Business Banking $ 30,758 $ 25,073 $ 60,910 $ 51,675 Commercial Banking 36,311 34,337 24,766 20,762 Vehicle Finance 19,789 20,155 722 376 RBHPCG 7,064 6,665 7,635 6,370 Treasury / Other 29,116 22,772 4,915 3,164 Total $ 123,038 $ 109,002 $ 98,948 $ 82,347

SIGNIFICANT ACCOUNTING POLICI_2

SIGNIFICANT ACCOUNTING POLICIES (Policies)	12 Months Ended
	Dec. 31, 2020
Accounting Policies [Abstract]
Nature of Operations	Nature of Operations — Huntington Bancshares Incorporated (Huntington or the Company) is a multi-state diversified regional bank holding company organized under Maryland law in 1966 and headquartered in Columbus, Ohio. Through its subsidiaries, including its bank subsidiary, The Huntington National Bank (the Bank), Huntington is engaged in providing full-service commercial, small business, consumer banking services, mortgage banking services, automobile financing, recreational vehicle and marine financing, equipment leasing, investment management, trust services, brokerage services, insurance programs, and other financial products and services. Huntington’s banking offices are located in Ohio, Illinois, Michigan, Pennsylvania, Indiana, West Virginia, and Kentucky. Select financial services and other activities are also conducted in various other states. International banking services are available through the headquarters office in Columbus, Ohio.
Basis of Presentation	Basis of Presentation — The Consolidated Financial Statements include the accounts of Huntington and its majority-owned subsidiaries and are presented in accordance with GAAP. All intercompany transactions and balances are eliminated in consolidation. Entities in which Huntington holds a controlling financial interest are consolidated. For a voting interest entity, a controlling financial interest is generally where Huntington holds, directly or indirectly, more than 50 percent of the outstanding voting shares. For a variable interest entity (VIE), a controlling financial interest is where Huntington has the power to direct the activities of an entity that most significantly impact the entity’s economic performance and has an obligation to absorb losses or the right to receive benefits from the VIE. For consolidated entities where Huntington holds less than a 100% interest, Huntington recognizes non-controlling interest (included in shareholders’ equity) for the equity held by minority shareholders and non-controlling profit or loss (included in noninterest expense) for the portion of the entity’s earnings attributable to minority interests. Investments in companies that are not consolidated are accounted for using the equity method when Huntington has the ability to exert significant influence. Investments in non-marketable equity securities for which Huntington does not have the ability to exert significant influence are generally accounted for using the cost method adjusted for impairment and other changes in observable prices. Investments in private investment partnerships that are accounted for under the equity method or the cost method are included in other assets and Huntington’s earnings in equity investments are included in other noninterest income. Investments accounted for under the cost and equity methods are periodically evaluated for impairment. The preparation of financial statements in conformity with GAAP requires management to make estimates and assumptions that significantly affect amounts reported in the Consolidated Financial Statements. Huntington utilizes processes that involve the use of significant estimates and the judgments of management in determining the amount of its allowance for credit losses, income taxes, as well as fair value measurements of investment securities, derivative instruments, goodwill, other intangible assets, pension assets and liabilities, short-term borrowings, mortgage servicing rights, and loans held for sale. As with any estimate, actual results could differ from those estimates. For statements of cash flows purposes, cash and cash equivalents are defined as the sum of cash and due from banks and interest-bearing deposits at Federal Reserve Bank.
Resale and Repurchase Agreements	Resale and Repurchase Agreements — Securities purchased under agreements to resell and securities sold under agreements to repurchase are treated as collateralized financing transactions and are recorded at the amounts at which the securities were acquired or sold plus accrued interest. The fair value of collateral either received from or provided to a third-party is monitored and additional collateral is obtained or requested to be returned to Huntington in accordance with the agreement.
Securities	Securities — Securities purchased with the intention of recognizing short-term profits or which are actively bought and sold are classified as trading account securities and reported at fair value. The unrealized gains or losses on trading account securities are recorded in other noninterest income. Debt securities purchased that Huntington has the positive intent and ability to hold to their maturity are classified as held-to-maturity securities. Held-to-maturity securities are recorded at amortized cost. All other debt securities are classified as available for sale securities. Available-for-sale securities are recognized and measured at fair value with any change in the fair value recognized in other comprehensive income. All equity securities are classified as other securities. Securities transactions are recognized on the trade date (the date the order to buy or sell is executed). The carrying value plus any related accumulated OCI balance of sold securities is used to compute realized gains and losses. Interest on securities, including amortization of premiums and accretion of discounts using the effective interest method over the period to maturity, is included in interest income. Non-marketable equity securities include stock held for membership and regulatory purposes, such as FHLB stock and FRB stock. These securities are accounted for at cost, evaluated for impairment, and are included in other securities. Other securities also include mutual funds and other marketable equity securities. These securities are carried at fair value, with changes in fair value recognized in other noninterest income.
Loans and Leases	Loans and Leases — Loans for which Huntington has the intent and ability to hold for the foreseeable future, or until maturity or payoff, except loans for which the fair value option has been elected, are carried at the principal amount outstanding, net of charge-offs, unamortized deferred loan origination fees and costs, premiums and discounts, and unearned income. Direct financing leases are reported at the aggregate of lease payments receivable and estimated residual values, net of unearned and deferred income, and any initial direct costs incurred to originate these leases. Interest income is accrued as earned using the interest method. Huntington defers the fees it receives from the origination of loans and leases, as well as the direct costs of those activities. Huntington also acquires loans at premiums and/or discounts to their contractual values. Huntington amortizes loan discounts, premiums, and net loan origination fees and costs over the contractual lives of the related loans using the effective interest method. Troubled debt restructurings are loans for which the original contractual terms have been modified to provide a concession to a borrower experiencing financial difficulties. Loan modifications are considered TDRs when the concessions provided are not available to the borrower through either normal channels or other sources. However, not all loan modifications are TDRs. Modifications resulting in troubled debt restructurings may include changes to one or more terms of the loan, including but not limited to, a change in interest rate, an extension of the repayment period, a reduction in payment amount, and partial forgiveness or deferment of principal or accrued interest. Impairment of the residual values of direct financing leases is evaluated quarterly, with impairment arising if the expected fair value is less than the carrying amount. Huntington assesses net investments in leases (including residual values) for impairment and recognizes impairment losses in accordance with the impairment guidance for financial instruments. As such, net investments in leases may be reduced by an allowance for credit losses, with changes recognized as provision expense. For leased equipment, the residual component of a direct financing lease represents the estimated fair value of the leased equipment at the end of the lease term. Huntington uses industry data, historical experience, and independent appraisals to establish these residual value estimates. Additional information regarding product life cycle, product upgrades, as well as insight into competing products are obtained through relationships with industry contacts and are factored into residual value estimates where applicable.
Loans Held for Sale	Loans Held for Sale — Loans in which Huntington does not have the intent and ability to hold for the foreseeable future are classified as loans held for sale. Loans held for sale are carried at (a) the lower of cost or fair value less costs to sell, or (b) fair value where the fair value option is elected. The fair value option is generally elected for mortgage loans originated with the intent to sell to facilitate hedging of the loans. The fair value of such loans is estimated based on the inputs that include prices of mortgage backed securities adjusted for other variables such as, interest rates, expected credit defaults and market discount rates. The adjusted value reflects the price we expect to receive from the sale of such loans.
Nonaccrual and Past Due Loans	Nonaccrual and Past Due Loans — Loans are considered past due when the contractual amounts due with respect to principal and interest are not received within 30 days of the contractual due date. Any loan in any portfolio may be placed on nonaccrual status prior to the policies described below when collection of principal or interest is in doubt. When a borrower with debt is discharged in a Chapter 7 bankruptcy and the debt is not reaffirmed by the borrower, the loan is determined to be collateral dependent and placed on nonaccrual status, unless there is a co-borrower or the repayment is likely to occur based on objective evidence. All classes within the C&I and CRE portfolios are placed on nonaccrual status at 90-days past due. First-lien home equity loans are placed on nonaccrual status at 150-days past due. Junior-lien home equity loans are placed on nonaccrual status at the earlier of 120-days past due or when the related first-lien loan has been identified as nonaccrual. Automobile, RV and marine and other consumer loans are placed on non-accrual, if not charged off, when the loan is 120-days past due. Residential mortgage loans are placed on nonaccrual status at 150-days past due, with the exception of residential mortgages guaranteed by government agencies which continue to accrue interest at the rate guaranteed by the government agency. For all classes within all loan portfolios, when a loan is placed on nonaccrual status, any accrued interest income, to the extent it is recognized in the current year, is reversed and charged to interest income. For all classes within all loan portfolios, cash receipts on NALs are applied against principal until the loan or lease has been collected in full, including the charged-off portion, after which time any additional cash receipts are recognized as interest income. However, for secured non-reaffirmed debt in a Chapter 7 bankruptcy, payments are applied to principal and interest when the borrower has demonstrated a capacity to continue payment of the debt and collection of the debt is reasonably assured. For unsecured non-reaffirmed debt in a Chapter 7 bankruptcy where the carrying value has been fully charged-off, payments are recorded as loan recoveries. Within the C&I and CRE portfolios, the determination of a borrower’s ability to make the required principal and interest payments is based on an examination of the borrower’s current financial statements, industry, management capabilities, and other qualitative measures. For all classes within the consumer loan portfolio, the determination of a borrower’s ability to make the required principal and interest payments is based on multiple factors, including number of days past due and, in some instances, an evaluation of the borrower’s financial condition. When, in management’s judgment, the borrower’s ability to make required principal and interest payments resumes and collectability is no longer in doubt, supported by sustained repayment history, the loan is returned to accrual status. For loans that are returned to accrual status, cash receipts are applied according to the contractual terms of the loan. Collateral-dependent Loan s — Certain commercial and consumer loans for which repayment is expected to be provided substantially through the operation or sale of the loan collateral are considered to be collateral-dependent. Commercial collateral-dependent loans are generally secured by business assets and/or commercial real estate. Consumer collateral-dependent loans are primarily secured by residential real estate or automobiles.
Allowance for Credit Losses	Allowance for Credit Losses — Huntington maintains allowance for credit losses on its loan and lease portfolio, held-to-maturity securities as well as on available-for-sale securities. The allowance for credit losses on loan and lease portfolio and held-to-maturity securities are provided through an expected loss methodology referred to as current expected credit loss (“CECL”) methodology. The allowance for credit losses on AFS securities is provided when a credit loss is deemed to have occurred for securities which Huntington does not intend to sell or is not required to sell. The CECL methodology also applies to credit exposures on off-balance-sheet loan commitments, financial guarantees not accounted for as insurance, including standby letters of credit, and other similar instruments not recognized as derivative financial instruments. Loans - The 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 loan risk characteristics and economic parameters for each month of the remaining contractual term. Commercial loan risk characteristics include but are not limited to risk ratings, industry type and maturity type. Consumer loan risk characteristics include but are not limited to FICO scores, LTV and loan vintages. The economic parameters are developed using available information relating to past events, current conditions, and reasonable and supportable forecasts. Huntington’s reasonable and supportable forecast period reverts to a historical norm based on inputs within approximately two to three years. The reversion period is dependent on the state of the economy at the beginning of the forecast. Historical credit experience provides the basis for the estimation of expected credit losses, with adjustments made for differences in current loan-specific risk characteristics such as differences in underwriting standards, portfolio mix, delinquency levels and terms, as well as for changes in the micro- and macro-economic environments. The contractual terms of financial assets are adjusted for expected prepayments and any extensions outside of Huntington’s control. The allowance for credit losses is measured on a collective basis when similar risk characteristics exist. Loans that are determined to have unique risk characteristics are evaluated on an individual basis by management. If a loan is determined to be collateral dependent, or meets the criteria to apply the collateral dependent practical expedient, expected credit losses are determined based on the fair value of the collateral at the reporting date, less costs to sell as appropriate. Loans with unique risk characteristics that are not subject to collateral dependent accounting, are assessed using a discounted cash flows methodology. Management believes the products within each of the entity’s portfolio classes exhibit similar risk characteristics. Huntington has identified its portfolio classes as disclosed in Note 5 - “ Loans and Leases ”. In addition to the transactional reserve described above, Huntington also maintains a general reserve that consists of various risk-profile reserve components. The risk-profile components consider items unique to Huntington’s structure, policies, processes and portfolio composition, as well as qualitative measurements and assessments of the loan portfolios including, but not limited to, economic uncertainty, concentrations, portfolio composition, industry comparisons and internal review functions. Huntington has elected to exclude accrued interest receivable from the measurement of its ACL given the well-defined non-accrual policies in place for all loan portfolios which results in timely reversal of outstanding interest through interest income. For certain loans on active deferral related to COVID-19, the collection of interest may be delayed for an extended period of time. The accrued interest on these active deferral loans is contemplated in establishing the ACL. The estimate for the off-balance sheet exposures, the AULC, is determined using the same procedures and methodologies as used for the loan and lease portfolio supplemented by the information related to future draws and related credit loss expectations. The AULC is recorded in other liabilities in the Consolidated Balance Sheets. Prior to the implementation of ASU 2016-13 (CECL) on January 1, 2020, the allowance for credit losses was subject to the guidance included in ASC 310 and ASC 450. Under the guidance, the bank was required to use an incurred loss methodology to estimate credit losses that were estimated to be incurred in the loan portfolio and that could ultimately materialize into confirmed losses in the form of charge-offs. The incurred loss methodology was a backward-looking approach to loss recognition and based on the concept of a triggering event having taken place, causing a loss to be inherent within the portfolio. This methodology under ASC 450 was predicated on a loss emergence period that was applied at a portfolio level. Loss emergence periods, PD’s and LGD’s were all based on historical loss experience within the loan portfolios. Consideration of forward looking macro-economic expectations was not permitted under this allowance methodology. Additionally, loans that were identified as impaired under the definition of ASC 310, were required to be assessed on an individual basis. The allowance for credit losses and resulting provision expense levels for comparative periods presented in this document were estimated in accordance with these requirements. HTM Securities - The allowance for held-to-maturity debt securities is estimated using a CECL methodology. Any expected credit loss is provided through the allowance for credit loss on HTM securities and is deducted from the amortized cost basis of the security so that the balance sheet reflects the net amount Huntington expects to collect. Nearly all of Huntington’s HTM debt securities are issued by U.S. government entities and agencies. These securities are either explicitly or implicitly guaranteed by the U.S. government, are highly rated by major rating agencies, and have a long history of no credit losses. Accordingly, there is a zero credit loss expectation on these securities. Prior to the implementation of ASU 2016-13 (CECL) on January 1, 2020, Huntington evaluated its HTM securities portfolio on a quarterly basis for indicators of OTTI. Huntington assessed whether OTTI had occurred when the fair value of a debt security was less than the amortized cost at the balance sheet date. If an OTTI was deemed to have occurred, the credit portion of the OTTI was recognized in noninterest income while the noncredit portion was recognized in OCI. In determining the credit portion, Huntington used a discounted cash flow analysis which included evaluating the timing and amount of the expected cash flows. AFS Securitie s - Huntington evaluates its available-for-sale investment securities portfolio on a quarterly basis for indicators of impairment. Huntington assesses whether an impairment has occurred when the fair value of a debt security is less than the amortized cost at the balance sheet date. Management reviews the amount of unrealized loss, the credit rating history, market trends of similar security classes, time remaining to maturity, and the source of both interest and principal payments to identify securities which could potentially be impaired. For those debt securities that Huntington intends to sell or is more likely than not required to sell, before the recovery of their amortized cost basis, the difference between fair value and amortized cost is considered to be impaired and is recognized in noninterest income. For those debt securities that Huntington does not intend to sell or is not more likely than not required to sell, prior to expected recovery of amortized cost basis, the credit portion of the impairment is recognized through an allowance in noninterest income while the noncredit portion is recognized in OCI. In determining the credit portion, Huntington uses a discounted cash flow analysis, which includes evaluating the timing and amount of the expected cash flows. Non-credit-related impairment results from other factors, including increased liquidity spreads and higher interest rates. Prior to the implementation of ASU 2016-13 (CECL) on January 1, 2020, Huntington evaluated its AFS securities portfolio in accordance with the methodology specified in the preceding paragraph except that the credit portion of the impairment would reduce the amortized cost basis of the security. Any subsequent increase in the expected cash flows would be recognized as an adjustment to interest income.
Charge-off of Uncollectible Loans	Charge-off of Uncollectible Loans — Any loan in any portfolio may be charged-off prior to the policies described below if a loss confirming event has occurred. Loss confirming events include, but are not limited to, bankruptcy (unsecured), continued delinquency, foreclosure, or receipt of an asset valuation indicating a collateral deficiency and that asset is the sole source of repayment. Additionally, discharged, collateral dependent non-reaffirmed debt in Chapter 7 bankruptcy filings will result in a charge-off to estimated collateral value, less anticipated selling costs, unless the repayment is likely to occur based on objective evidence. C&I and CRE loans are generally either charged-off or written down to net realizable value at 90-days past due. Automobile, RV and marine and other consumer loans are generally charged-off at 120-days past due. First-lien and junior-lien home equity loans are charged-off to the estimated fair value of the collateral, less anticipated selling costs, at 150-days past due and 120-days past due, respectively. Residential mortgages are charged-off to the estimated fair value of the collateral at 150-days past due.
Collateral	Collateral — Huntington pledges assets as collateral as required for various transactions including security repurchase agreements, public deposits, loan notes, derivative financial instruments, short-term borrowings and long-term borrowings. Assets that have been pledged as collateral, including those that can be sold or repledged by the secured party, continue to be reported on the Consolidated Balance Sheets. Huntington also accepts collateral, primarily as part of various transactions including derivative instruments and security resale agreements. Collateral received is excluded from the Consolidated Balance Sheets.
Premises and Equipment	Premises and Equipment — Premises and equipment are stated at cost, less accumulated depreciation and amortization. Depreciation is computed principally by the straight-line method over the estimated useful lives of the related assets. Buildings and building improvements are depreciated over an average of 30 to 40 years and 10 to 30 years, respectively. Land improvements and furniture and fixtures are depreciated over an average of 5 to 20 years, while equipment is depreciated over a range of 3 to 10 years. Leasehold improvements are amortized over the lesser of the asset’s useful life or the lease term, including any renewal periods for which renewal is reasonably assured. Maintenance and repairs are charged to expense as incurred, while improvements that extend the useful life of an asset are capitalized and depreciated over the remaining useful life. Amounts in premises and equipment may include items classified as held-for-sale, which are carried at lower of cost or fair value, less costs to sell. Premises and equipment are evaluated for impairment whenever events or changes in circumstances indicate that the carrying amount of the asset may not be recoverable.
Mortgage Servicing Rights	Mortgage Servicing Rights — Huntington recognizes the rights to service mortgage loans as an asset when servicing is contractually separated from the underlying mortgage loans by sale or securitization of the loans with
Goodwill and Other Intangible Assets	Goodwill and Other Intangible Assets — Under the acquisition method of accounting, the net assets of entities acquired by Huntington are recorded at their estimated fair value at the date of acquisition. The excess cost of consideration paid over the fair value of net assets acquired is recorded as goodwill. Other intangible assets with finite useful lives are amortized either on an accelerated or straight-line basis over their estimated useful lives. Goodwill is evaluated for impairment on an annual basis at October 1 st of each year or whenever events or changes in circumstances indicate that the carrying value may not be recoverable. Other intangible assets are reviewed for impairment whenever events or changes in circumstances indicate that the carrying amount of the asset may not be recoverable.
Operating Leases (Lessee)	Operating Leases (Lessee) — Huntington has elected not to include non-lease components in the measurement of right-of-use assets, and as such allocates the costs attributable to such components, where those costs are not separately identifiable, via per-square-foot costing analysis developed by the entity for owned and leased spaces. Huntington uses a portfolio approach to develop discount rates as its lease portfolio is comprised of substantially all branch space and office space used in the entity’s operations. That rate, an input used in the measurement of the entity’s right-of-use assets, leverages an incremental borrowing rate of appropriate tenor and collateralization.
Derivative Financial Instruments	Derivative Financial Instruments — A variety of derivative financial instruments, principally interest rate swaps, caps, floors, and collars, are used in asset and liability management activities to protect against the risk of adverse price or interest rate movements. These instruments provide flexibility in adjusting Huntington’s sensitivity to changes in interest rates without exposure to loss of principal and higher funding requirements. Huntington also uses derivatives, principally loan sale commitments, in hedging its mortgage loan interest rate lock commitments and its mortgage loans held for sale. Mortgage loan sale commitments and the related interest rate lock commitments are carried at fair value on the Consolidated Balance Sheets with changes in fair value reflected in mortgage banking income. Huntington also uses certain derivative financial instruments to offset changes in value of its MSRs. These derivatives consist primarily of forward interest rate agreements and forward mortgage contracts. The derivative instruments used are not designated as qualifying hedges. Accordingly, such derivatives are recorded at fair value with changes in fair value reflected in mortgage banking income. Derivative financial instruments are recorded in the Consolidated Balance Sheets as either an asset or a liability (in other assets and other liabilities, respectively) and measured at fair value. On the date a derivative contract is entered into, we designate it as either: • a qualifying hedge of the fair value of a recognized asset or liability or of an unrecognized firm commitment (fair value hedge); • a qualifying hedge of the variability of cash flows to be received or paid related to a recognized asset, liability or forecasted transaction (cash flow hedge); or • a trading instrument or a non-qualifying (economic) hedge. Changes in the fair value of a derivative that has been designated and qualifies as a fair value hedge, along with the changes in the fair value of the hedged asset or liability that is attributable to the hedged risk, are recorded in current period earnings. Changes in the fair value of a derivative that has been designated and qualifies as a cash flow hedge are recorded in other comprehensive income, net of income taxes, and reclassified into earnings in the period during which the hedged item affects earnings. Changes in the fair value of derivatives held for trading purposes or which do not qualify for hedge accounting are reported in current period earnings. For those derivatives to which hedge accounting is applied, Huntington formally documents the hedging relationship and the risk management objective and strategy for undertaking the hedge. This documentation identifies the hedging instrument, the hedged item or transaction, the nature of the risk being hedged, and, unless the hedge meets all of the criteria to assume there is no ineffectiveness, the method that will be used to assess the effectiveness of the hedging instrument. Except for specifically designated fair value hedges of certain fixed-rate debt for which Huntington utilizes the short-cut method when certain criteria are met, Huntington utilizes the regression method to evaluate hedge effectiveness on all its qualifying hedges on a quarterly basis. Hedge accounting is discontinued prospectively when: • the derivative is no longer effective or expected to be effective in offsetting changes in the fair value or cash flows of a hedged item (including firm commitments or forecasted transactions); • the derivative expires, is sold, terminated, or exercised; • the forecasted transaction is no longer probable of occurring; • the hedged firm commitment no longer meets the definition of a firm commitment; or • the designation of the derivative as a hedging instrument is removed. When hedge accounting is discontinued and the derivative no longer qualifies as an effective fair value or cash flow hedge, the derivative continues to be carried on the balance sheet at fair value. In the case of a discontinued fair value hedge of a recognized asset or liability, as long as the hedged item continues to exist on the balance sheet, the hedged item will no longer be adjusted for changes in fair value. The basis adjustment that had previously been recorded to the hedged item during the period from the hedge designation date to the hedge discontinuation date is recognized as an adjustment to the yield of the hedged item over the remaining life of the hedged item. In the case of a discontinued cash flow hedge of a recognized asset or liability, as long as the hedged item continues to exist on the balance sheet, the changes in fair value of the hedging derivative will no longer be recorded to other comprehensive income. The balance applicable to the discontinued hedging relationship will be recognized in earnings over the remaining life of the hedged item as an adjustment to yield. If the discontinued hedged item was a forecasted transaction that is not expected to occur, any amounts recorded in accumulated other comprehensive income are immediately reclassified to current period earnings. In the case of either a fair value hedge or a cash flow hedge, if the previously hedged item is sold or extinguished, the basis adjustment to the underlying asset or liability or any remaining unamortized amount in accumulated other comprehensive income will be recognized in the current period earnings. In all other situations in which hedge accounting is discontinued, the derivative will be carried at fair value on the consolidated balance sheets, with changes in its fair value recognized in current period earnings unless re-designated as a qualifying hedge. Like other financial instruments, derivatives contain an element of credit risk, which is the possibility that Huntington will incur a loss because the counterparty fails to meet its contractual obligations. Notional values of interest rate swaps and other off-balance sheet financial instruments significantly exceed the credit risk associated with these instruments and represent contractual balances on which calculations of amounts to be exchanged are based. Credit exposure is limited to the sum of the aggregate fair value of positions that have become favorable to Huntington, including any accrued interest receivable due from counterparties. Potential credit losses are mitigated through trading derivatives through central clearing parties, careful evaluation of counterparty credit standing, selection of counterparties from a limited group of high quality institutions, collateral agreements, and other contract provisions. Huntington considers the value of collateral held and collateral provided in determining the net carrying value of derivatives. Huntington offsets the fair value amounts recognized for derivative instruments and the fair value for the right to reclaim cash collateral or the obligation to return cash collateral arising from derivative instruments recognized at fair value executed with the same counterparty under a master netting arrangement.
Fair Value Measurements	Fair Value Measurements — The Company records or discloses certain of its assets and liabilities at fair value. Fair value is defined as the exchange price that would be received for an asset or paid to transfer a liability (an exit price) in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants on the measurement date. Fair value measurements are classified within one of three levels in a valuation hierarchy based upon the observability of inputs to the valuation of an asset or liability as of the measurement date. The three levels are defined as follows: • Level 1 – inputs to the valuation methodology are quoted prices (unadjusted) for identical assets or liabilities in active markets. • Level 2 – inputs to the valuation methodology include quoted prices for similar assets and liabilities in active markets, and inputs that are observable for the asset or liability, either directly or indirectly, for substantially the full term of the financial instrument. • Level 3 – inputs to the valuation methodology are unobservable and significant to the fair value measurement. A financial instrument’s categorization within the valuation hierarchy is based upon the lowest level of input that is significant to the fair value measurement.
Bank Owned Life Insurance	Bank Owned Life Insurance — Huntington’s bank owned life insurance policies are recorded at their cash surrender value. Huntington recognizes tax-exempt income from the periodic increases in the cash surrender value of these policies and from death benefits. A portion of the cash surrender value is supported by holdings in separate accounts. Book value protection for the separate accounts is provided by the insurance carriers and a highly rated major bank.
Transfers of Financial Assets and Securitizations	Transfers of Financial Assets and Securitizations — Transfers of financial assets in which we have surrendered control over the transferred assets are accounted for as sales. In assessing whether control has been surrendered, Huntington considers whether the transferee would be a consolidated affiliate, the existence and extent of any continuing involvement in the transferred financial assets, and the impact of all arrangements or agreements made contemporaneously with, or in contemplation of, the transfer, even if they were not entered into at the time of transfer. Control is generally considered to have been surrendered when (i) the transferred assets have been legally isolated from Huntington or any of its consolidated affiliates, even in bankruptcy or other receivership, (ii) the transferee (or, if the transferee is an entity whose sole purpose is to engage in securitization or asset-backed financing that is constrained from pledging or exchanging the assets it receives, each third-party holder of its beneficial interests) has the right to pledge or exchange the assets (or beneficial interests) it received without any constraints that provide more than a trivial benefit to Huntington, and (iii) neither Huntington nor its consolidated affiliates and agents have (a) both the right and obligation under any agreement to repurchase or redeem the transferred assets before their maturity, (b) the unilateral ability to cause the holder to return specific financial assets that also provides Huntington with a more-than-trivial benefit (other than through a cleanup call) or (c) an agreement that permits the transferee to require Huntington to repurchase the transferred assets at a price so favorable that it is probable that it will require Huntington to repurchase them. If the sale criteria are met, the transferred financial assets are removed from the balance sheet and a gain or loss on sale is recognized. If the sale criteria are not met, the transfer is recorded as a secured borrowing in which the assets remain on the balance sheet and the proceeds from the transaction are recognized as a liability. For the majority of financial asset transfers, it is clear whether or not Huntington has surrendered control. For other transfers, such as in the case of complex transactions or where Huntington have continuing involvement, we generally obtain a legal opinion as to whether the transfer results in a true sale by law. Gains and losses on the loans and leases sold and servicing rights associated with loan and lease sales are determined when the related loans or leases are sold to either a securitization trust or third-party. For loan or lease sales with servicing retained, a servicing asset is recorded at fair value for the right to service the loans sold.
Pension and Other Postretirement Benefits	Pension and Other Postretirement Benefits — Huntington recognizes the funded status of the postretirement benefit plans on the Consolidated Balance Sheets. Net postretirement benefit cost charged to current earnings related to these plans is predominantly based on various actuarial assumptions regarding expected future experience. Certain employees are participants in various defined contribution and other non-qualified supplemental retirement plans. Contributions to defined contribution plans are charged to current earnings. In addition, Huntington maintains a 401(k) plan covering substantially all employees. Employer contributions to the plan are charged to current earnings.
Noninterest Income, Policy [Policy Text Block]	Noninterest Income — Huntington recognizes revenue when the performance obligations related to the transfer of goods or services under the terms of a contract are satisfied. Some obligations are satisfied at a point in time while others are satisfied over a period of time. Revenue is recognized as the amount of consideration to which Huntington expects to be entitled to in exchange for transferring goods or services to a customer. When consideration includes a variable component, the amount of consideration attributable to variability is included in the transaction price only to the extent it is probable that significant revenue recognized will not be reversed when uncertainty associated with the variable consideration is subsequently resolved. Generally, the variability relating to the consideration is explicitly stated in the contracts, but may also arise from Huntington’s customer business practices, for example, waiving certain fees related to customer’s deposit accounts such as NSF fees. Huntington’s contracts generally do not contain terms that require significant judgement to determine the variability impacting the transaction price. Revenue is segregated based on the nature of product and services offered as part of contractual arrangements. Revenue from contracts with customers is broadly segregated as follows: • Service charges on deposit accounts include fees and other charges Huntington receives to provide various services, including but not limited to, maintaining an account with a customer, providing overdraft services, wire transfer, transferring funds, and accepting and executing stop-payment orders. The consideration includes both fixed (e.g., account maintenance fee) and transaction fees (e.g., wire-transfer fee). The fixed fee is recognized over a period of time while the transaction fee is recognized when a specific service (e.g., execution of wire-transfer) is rendered to the customer. Huntington may, from time to time, waive certain fees (e.g., NSF fee) for customers but generally does not reduce the transaction price to reflect variability for future reversals due to the insignificance of the amounts. Waiver of fees reduces the revenue in the period the waiver is granted to the customer. • Card and payment processing income includes interchange fees earned on debit cards and credit cards. All other fees (e.g., annual fees), and interest income are recognized in accordance with ASC 310. Huntington recognizes interchange fees for services performed related to authorization and settlement of a cardholder’s transaction with a merchant. Revenue is recognized when a cardholder’s transaction is approved and settled. Certain volume or transaction based interchange expenses (net of rebates) paid to the payment network reduce the interchange revenue and are presented net on the income statement. Similarly, rewards payable under a reward program to cardholders are recognized as a reduction of the transaction price and are presented net against the interchange revenue. • Trust and investment management services includes fee income generated from personal, corporate and institutional customers. Huntington also provides investment management services, cash management services and tax reporting to customers. Services are rendered over a period of time, over which revenue is recognized. Huntington may also recognize revenue from referring a customer to outside third-parties including mutual fund companies that pay distribution (12b-1) fees and other expenses. 12b-1 fees are received upon initially placing an account holder’s funds with a mutual fund company as well as in the future periods as long as the account holder (i.e., the fund investor), remains invested in the fund. The transaction price includes a variable consideration which is considered constrained as it is not probable that a significant revenue reversal in the amount of cumulative revenue recognized will not occur. Accordingly, those fees are recognized as revenue when the uncertainty associated with the variable consideration is subsequently resolved, that is, initial fees are recognized in the initial period while the future fees are recognized in future periods. • Insurance income includes agency commissions that are recognized when Huntington sells insurance policies to customers. Huntington is also entitled to renewal commissions and, in some cases, profit sharing which are recognized in subsequent periods. The initial commission is recognized when the insurance policy is sold to a customer. Renewal commission is variable consideration and is recognized in subsequent periods when the uncertainty around variable consideration is subsequently resolved (i.e., when customer renews the policy). Profit sharing is also variable consideration that is not recognized until the variability surrounding realization of revenue is resolved (i.e., Huntington has reached a minimum volume of sales). Another source of variability is the ability of the policy holder to cancel the policy anytime. In such cases, Huntington may be required, under the terms of the contract, to return part of the commission received. A policy cancellation reserve is established for such expected cancellations. • Other noninterest income includes a variety of other revenue streams including capital markets revenue, miscellaneous consumer fees and marketing allowance revenue. Revenue is recognized when, or as, the performance obligation is satisfied. Inherent variability in the transaction price is not recognized until the uncertainty affecting the variability is resolved. Control is transferred to a customer either at a point in time or over time. A performance obligation is deemed satisfied when the control over goods or services is transferred to the customer. To determine when control is transferred at a point in time, Huntington considers indicators, including but not limited to the right to payment for the asset, transfer of significant risk and rewards of ownership of the asset and acceptance of the asset by the customer. Revenue is recorded in the business segment responsible for the related product or service. Fee sharing arrangements exist to allocate portions of such revenue to other business segments involved in selling to, or providing service to, customers. Business segment results are determined based upon management’s reporting system, which assigns balance sheet and income statement items to each of the business segments. The process is designed around Huntington’s organizational and management structure and, accordingly, the results derived are not necessarily comparable with similar information published by other financial institutions.
Income Taxes	Income Taxes — Income taxes are accounted for under the asset and liability method. Accordingly, deferred tax assets and liabilities are recognized for the future book and tax consequences attributable to temporary differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax bases. Deferred tax assets and liabilities are determined using enacted tax rates expected to apply in the year in which those temporary differences are expected to be recovered or settled. The effect on deferred tax assets and liabilities of a change in tax rates is recognized in income at the time of enactment of such change in tax rates. Any interest or penalties due for payment of income taxes are included in the provision for income taxes. To the extent we do not consider it more likely than not that a deferred tax asset will be recovered, a valuation allowance is recorded. All positive and negative evidence is reviewed when determining how much of a valuation allowance is recognized on a quarterly basis. In determining the requirements for a valuation allowance, sources of possible taxable income are evaluated including future reversals of existing taxable temporary differences, future taxable income exclusive of reversing temporary differences and carryforwards, taxable income in appropriate carryback years, and tax-planning strategies. Huntington applies a more likely than not recognition threshold for all tax uncertainties.
Share-Based Compensation	Share-Based Compensation — Huntington uses the fair value based method of accounting for awards of HBAN stock granted to employees under various share-based compensation plans. Share-based compensation costs are recognized prospectively for all new awards granted under these plans. Compensation expense relating to stock options is calculated using a methodology that is based on the underlying assumptions of the Black-Scholes option pricing model and is charged to expense over the requisite service period (e.g., vesting period). Compensation expense relating to restricted stock awards is based upon the fair value of the awards on the date of grant and is charged to earnings over the requisite service period (e.g., vesting period) of the award.
Stock Repurchases	Stock Repurchases — Acquisitions of Huntington stock are recorded at cost.
Segment Results	Segment Results — Accounting policies for the business segments are the same as those used in the preparation of the Consolidated Financial Statements with respect to activities specifically attributable to each business segment. However, the preparation of business segment results requires management to establish methodologies to allocate funding costs and benefits, expenses, and other financial elements to each business segment, which are described in Note 26

INVESTMENT SECURITIES AND OTH_2

INVESTMENT SECURITIES AND OTHER SECURITIES (Tables)	12 Months Ended
	Dec. 31, 2020
Investments, Debt and Equity Securities [Abstract]
Unrealized Gain (Loss) on Investments	The following tables provide amortized cost, fair value, and gross unrealized gains and losses by investment category at December 31, 2020 and 2019: Unrealized (dollar amounts in millions) Amortized Gross Gains Gross Losses Fair Value December 31, 2020 Available-for-sale securities: U.S. Treasury $ 5 $ — $ — $ 5 Federal agencies: Residential CMO 3,550 121 (5) 3,666 Residential MBS 7,843 97 (5) 7,935 Commercial MBS 1,151 21 (9) 1,163 Other agencies 60 2 — 62 Total U.S. Treasury, federal agency and other agency securities 12,609 241 (19) 12,831 Municipal securities 2,928 91 (15) 3,004 Private-label CMO 9 — — 9 Asset-backed securities 185 7 — 192 Corporate debt 440 5 — 445 Other securities/Sovereign debt 4 — — 4 Total available-for-sale securities $ 16,175 $ 344 $ (34) $ 16,485 Held-to-maturity securities: Federal agencies: Residential CMO $ 1,779 $ 88 $ — $ 1,867 Residential MBS 3,715 103 — 3,818 Commercial MBS 3,118 191 — 3,309 Other agencies 246 12 — 258 Total federal agency and other agency securities 8,858 394 — 9,252 Municipal securities 3 — — 3 Total held-to-maturity securities $ 8,861 $ 394 $ — $ 9,255 Other securities, at cost: Non-marketable equity securities: Federal Home Loan Bank stock $ 60 $ — $ — $ 60 Federal Reserve Bank stock 299 — — 299 Other securities, at fair value Mutual funds 50 — — 50 Equity securities 8 1 — 9 Total other securities $ 417 $ 1 $ — $ 418 (1) Amortized cost amounts excludes accrued interest receivable, which is recorded within other assets on the Consolidated Balance Sheet s . At December 31, 2020, accrued interest receivable on available-for-sale securities and held-to-maturity securities totaled $32 million and $20 million, respectively. 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 Classified by Contractual Maturity Date	The following table provides the amortized cost and fair value of securities by contractual maturity at December 31, 2020 and 2019. Expected maturities may differ from contractual maturities as issuers may have the right to call or prepay obligations with or without incurring penalties. 2020 2019 (dollar amounts in millions) Amortized Cost Fair Value Amortized Cost Fair Value Available-for-sale securities: Under 1 year $ 308 $ 304 $ 231 $ 229 After 1 year through 5 years 1,145 1,154 1,196 1,189 After 5 years through 10 years 1,607 1,654 1,594 1,606 After 10 years 13,115 13,373 11,042 11,125 Total available-for-sale securities $ 16,175 $ 16,485 $ 14,063 $ 14,149 Held-to-maturity securities: Under 1 year $ — $ — $ — $ — After 1 year through 5 years 160 169 17 17 After 5 years through 10 years 131 138 300 305 After 10 years 8,570 8,948 8,753 8,864 Total held-to-maturity securities $ 8,861 $ 9,255 $ 9,070 $ 9,186
Schedule of Unrealized Loss on Investments	The following tables provide detail on investment securities with unrealized losses aggregated by investment category and the length of time the individual securities have been in a continuous loss position at December 31, 2020 and 2019: Less than 12 Months Over 12 Months Total (dollar amounts in millions) Fair Gross Unrealized Fair Gross Unrealized Fair Gross Unrealized December 31, 2020 Available-for-sale securities: Federal agencies: Residential CMO $ 302 $ (5) $ — $ — $ 302 $ (5) Residential MBS 1,633 (5) — — 1,633 (5) Commercial MBS 321 (9) — — 321 (9) Other agencies — — — — — — Total federal agency and other agency securities 2,256 (19) — — 2,256 (19) Municipal securities 110 (3) 490 (12) 600 (15) Asset-backed securities 15 — — — 15 — Corporate debt 51 — — — 51 — Total temporarily impaired available-for-sale securities $ 2,432 $ (22) $ 490 $ (12) $ 2,922 $ (34) 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 available-for-sale 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 held-to-maturity securities $ 678 $ (1) $ 112 $ (2) $ 790 $ (3)

LOANS _ LEASES (Tables)

LOANS / LEASES (Tables)	12 Months Ended
	Dec. 31, 2020
Receivables [Abstract]
Schedule of financing receivable portfolio segments	The following table provides a detailed listing of Huntington’s loan and lease portfolio at December 31, 2020 and December 31, 2019. At December 31, (dollar amounts in millions) 2020 2019 Loans and leases: Commercial and industrial $ 35,373 $ 30,664 Commercial real estate 7,199 6,674 Automobile 12,778 12,797 Home equity 8,894 9,093 Residential mortgage 12,141 11,376 RV and marine 4,190 3,563 Other consumer 1,033 1,237 Total Loans and leases 81,608 75,404 Allowance for loan and lease losses (1,814) (783) Net loans and leases $ 79,794 $ 74,621
Lease financing receivables	The following table presents net investments in lease financing receivables by category at December 31, 2020 and 2019: At December 31, (dollar amounts in millions) 2020 2019 Commercial and industrial: Lease payments receivable $ 1,737 $ 1,841 Estimated residual value of leased assets 664 728 Gross investment in commercial and industrial lease financing receivables 2,401 2,569 Deferred origination costs 21 19 Deferred fees (200) (249) Total net investment in commercial and industrial lease financing receivables $ 2,222 $ 2,339
Nonaccrual loans by loan class	The following table presents NALs by loan class at December 31, 2020 and 2019: December 31, 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 $ 69 $ 353 $ 109 $ 323 Commercial real estate 8 15 2 10 Automobile — 4 — 4 Home equity — 70 — 59 Residential mortgage — 88 — 71 RV and marine — 2 — 1 Other consumer — — — — Total nonaccrual loans $ 77 $ 532 $ 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 December 31, 2020 and 2019: December 31, 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 $ 60 $ 38 $ 95 $ 193 $ 35,180 $ — $ 35,373 $ 10 (3) Commercial real estate — 1 11 12 7,187 — 7,199 — Automobile 84 22 12 118 12,660 — 12,778 9 Home equity 35 15 61 111 8,782 1 8,894 14 Residential mortgage 114 38 194 346 11,702 93 12,141 132 (4) RV and marine 17 3 3 23 4,167 — 4,190 3 Other consumer 9 4 3 16 1,017 — 1,033 3 Total loans and leases $ 319 $ 121 $ 379 $ 819 $ 80,695 $ 94 $ 81,608 $ 171 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 December 31, 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.
Loan and lease balances by credit quality indicator	The following table presents each loan and lease class by vintage and credit quality indicator at December 31, 2020: As of December 31, 2020 Term Loans Amortized Cost Basis by Origination Year Revolver Total at Amortized Cost Basis Revolver Total Converted to Term Loans (dollar amounts in millions) 2020 2019 2018 2017 2016 Prior Total (3) Commercial and industrial Credit Quality Indicator (1): Pass $ 13,757 $ 4,525 $ 2,758 $ 1,347 $ 974 $ 916 $ 8,894 $ 2 $ 33,173 OLEM 421 116 69 30 33 22 124 — 815 Substandard 196 144 188 224 46 159 423 — 1,380 Doubtful 2 — 1 — — 1 1 — 5 Total Commercial and industrial $ 14,376 $ 4,785 $ 3,016 $ 1,601 $ 1,053 $ 1,098 $ 9,442 $ 2 $ 35,373 Commercial real estate Credit Quality Indicator (1): Pass $ 1,742 $ 1,610 $ 1,122 $ 507 $ 507 $ 539 $ 633 $ — $ 6,660 OLEM 94 78 63 37 28 14 4 — 318 Substandard 27 46 10 29 58 14 36 — 220 Doubtful — — — — — 1 — — 1 Total Commercial real estate $ 1,863 $ 1,734 $ 1,195 $ 573 $ 593 $ 568 $ 673 $ — $ 7,199 Automobile Credit Quality Indicator (2): 750+ $ 2,670 $ 2,013 $ 1,144 $ 742 $ 317 $ 81 $ — $ — $ 6,967 650-749 1,965 1,343 755 386 175 52 — — 4,676 <650 312 301 244 157 84 37 — — 1,135 Total Automobile $ 4,947 $ 3,657 $ 2,143 $ 1,285 $ 576 $ 170 $ — $ — $ 12,778 Home equity Credit Quality Indicator (2): 750+ $ 793 $ 26 $ 26 $ 32 $ 89 $ 451 $ 4,373 $ 192 $ 5,982 650-749 147 9 8 11 27 157 1,906 181 2,446 <650 1 1 1 1 6 70 286 99 465 Total Home equity $ 941 $ 36 $ 35 $ 44 $ 122 $ 678 $ 6,565 $ 472 $ 8,893 Residential mortgage Credit Quality Indicator (2): 750+ $ 3,269 $ 1,370 $ 891 $ 1,064 $ 762 $ 1,243 $ 1 $ — $ 8,600 650-749 991 435 307 278 171 495 — — 2,677 <650 34 89 111 108 81 348 — — 771 Total Residential mortgage $ 4,294 $ 1,894 $ 1,309 $ 1,450 $ 1,014 $ 2,086 $ 1 $ — $ 12,048 RV and marine Credit Quality Indicator (2): 750+ $ 1,136 $ 525 $ 589 $ 337 $ 153 $ 254 $ — $ — $ 2,994 650-749 348 215 201 136 64 129 — — 1,093 <650 4 15 21 22 12 29 — — 103 Total RV and marine $ 1,488 $ 755 $ 811 $ 495 $ 229 $ 412 $ — $ — $ 4,190 Other consumer Credit Quality Indicator (2): 750+ $ 69 $ 58 $ 26 $ 8 $ 4 $ 14 $ 340 $ 2 $ 521 650-749 36 56 17 5 2 3 294 30 443 <650 2 8 3 1 — 1 26 28 69 Total Other consumer $ 107 $ 122 $ 46 $ 14 $ 6 $ 18 $ 660 $ 60 $ 1,033 (1) Consistent with the credit quality disclosures, indicators for the Commercial portfolio are based on internally defined categories of credit grades which are generally refreshed at least semi-annually. (2) Consistent with the credit quality disclosures, indicators for the Consumer portfolio are based on updated customer credit scores refreshed at least quarterly. (3) The total amount of accrued interest recorded for these loans at December 31, 2020, presented in other assets within the Consolidated Balance Sheet s, was $146 million and $123 million for commercial and consumer, respectively. The following tables present each loan and lease class by credit quality indicator at December 31, 2019: December 31, 2019 Credit Risk Profile by UCS Classification (dollar amounts in millions) Pass OLEM Substandard Doubtful Total Commercial and industrial $ 28,477 $ 634 $ 1,551 $ 2 $ 30,664 Commercial real estate 6,487 98 88 1 6,674 Credit Risk Profile by FICO Score (1), (2) 750+ 650-749 <650 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 years ended December 31, 2020 and 2019. New Troubled Debt Restructurings (1) Year Ended December 31, 2020 Number of Post-modification Outstanding Recorded Investment (2) (dollar amounts in millions) Interest rate reduction Amortization or maturity date change Chapter 7 bankruptcy Other Total Commercial and industrial 317 $ — $ 123 $ — $ 58 $ 181 Commercial real estate 13 — 3 — — 3 Automobile 3,018 — 29 6 — 35 Home equity 273 — 6 8 2 16 Residential mortgage 585 — 79 7 — 86 RV and marine 168 — 4 1 — 5 Other consumer 622 3 — — 1 4 Total new TDRs 4,996 $ 3 $ 244 $ 22 $ 61 $ 330 Year Ended December 31, 2019 Number of Post-modification Outstanding Recorded Investment (2) (dollar amounts in millions) Interest rate reduction Amortization or maturity date change Chapter 7 bankruptcy Other Total Commercial and industrial 482 $ — $ 172 $ — $ 7 $ 179 Commercial real estate 29 — 13 — — 13 Automobile 2,971 — 19 7 — 26 Home equity 306 — 9 8 — 17 Residential mortgage 330 — 35 2 — 37 RV and marine 139 — 1 2 — 3 Other consumer 972 8 — — — 8 Total new TDRs 5,229 $ 8 $ 249 $ 19 $ 7 $ 283 (1) TDRs may include multiple concessions. The disclosure classification is based on the primary concession provided to the borrower. (2) Post-modification balances approximate pre-modification balances. The aggregate amount of charge-offs as a result of a restructuring are not significant.

ALLOWANCE FOR CREDIT LOSSES (Ta

ALLOWANCE FOR CREDIT LOSSES (Tables)	12 Months Ended
	Dec. 31, 2020
Credit Loss [Abstract]
Allowance Roll-forward	The following table presents ALLL and AULC activity by portfolio segment for the years ended December 31, 2020, 2019, and 2018: (dollar amounts in millions) Commercial Consumer Total Year ended December 31, 2020: ALLL balance, beginning of period $ 552 $ 231 $ 783 Cumulative-effect of change in accounting principle for financial instruments - credit losses (1) 180 211 391 Loan charge-offs (374) (166) (540) Recoveries of loans previously charged-off 32 59 91 Provision for loan and lease losses 846 243 1,089 ALLL balance, end of period $ 1,236 $ 578 $ 1,814 AULC balance, beginning of period $ 102 $ 2 $ 104 Cumulative-effect of change in accounting principle for financial instruments - credit losses (1) (38) 40 2 Provision (reduction in allowance) for unfunded loan commitments and letters of credit (17) (24) (41) Unfunded commitment losses (13) — (13) AULC balance, end of period $ 34 $ 18 $ 52 ACL balance, end of period $ 1,270 $ 596 $ 1,866 Year ended December 31, 2019: ALLL balance, beginning of period $ 542 $ 230 $ 772 Loan charge-offs (165) (197) (362) Recoveries of loans previously charged-off 40 57 97 Provision for loan and lease losses 135 142 277 Allowance for loans sold or transferred to loans held for sale — (1) (1) ALLL balance, end of period $ 552 $ 231 $ 783 AULC balance, beginning of period $ 94 $ 2 $ 96 Provision (reduction in allowance) for unfunded loan commitments and letters of credit 10 — 10 Unfunded commitment losses (2) — (2) AULC balance, end of period $ 102 $ 2 $ 104 ACL balance, end of period $ 654 $ 233 $ 887 Year ended December 31, 2018: ALLL balance, beginning of period $ 482 $ 209 $ 691 Loan charge-offs (79) (189) (268) Recoveries of loans previously charged-off 65 58 123 Provision for loan and lease losses 74 152 226 ALLL balance, end of period $ 542 $ 230 $ 772 AULC balance, beginning of period $ 84 $ 3 $ 87 Provision (reduction in allowance) for unfunded loan commitments and letters of credit 10 (1) 9 AULC balance, end of period $ 94 $ 2 $ 96 ACL balance, end of period $ 636 $ 232 $ 868 (1) Relates to day one impact of the CECL adjustment as a result of the implementation of ASU 2016-13.

MORTGAGE LOAN SALES AND SERVI_2

MORTGAGE LOAN SALES AND SERVICING RIGHTS (Tables)	12 Months Ended
	Dec. 31, 2020
Transfers and Servicing [Abstract]
Schedule of activity relating to loans securitized sold with servicing rights	The following table summarizes activity relating to residential mortgage loans sold with servicing retained for the years ended December 31, 2020, 2019, and 2018: Year Ended December 31, (dollar amounts in millions) 2020 2019 2018 Residential mortgage loans sold with servicing retained $ 8,436 $ 4,841 $ 3,846 Pretax gains resulting from above loan sales (1) 311 119 87 (1) Recorded in mortgage banking income.
Schedule of Servicing Assets at Fair Value	The following table summarizes the changes in MSRs recorded using the fair value method for the years ended December 31, 2020 and 2019 (1): Year Ended (dollar amounts in millions) 2020 2019 (1) Fair value, beginning of period $ 7 $ 10 Fair value election for servicing assets previously measured using the amortized method 205 — New servicing assets created 102 — Change in fair value during the period due to: Time decay (2) (9) (1) Payoffs (3) (43) (1) Changes in valuation inputs or assumptions (4) (52) (1) Fair value, end of period $ 210 $ 7 Weighted-average life (years) 7.6 6.4 (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 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
Summary of key assumptions and the sensitivity analysis of servicing rights	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 December 31, 2020, and December 31, 2019 follows: December 31, 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) 17.36 % $ (12) $ (23) 8.21 % $ — $ — Spread over forward interest rate swap rates 519 bps (4) (8) 824 bps — —

GOODWILL AND OTHER INTANGIBLE_2

GOODWILL AND OTHER INTANGIBLE ASSETS (Tables)	12 Months Ended
	Dec. 31, 2020
Goodwill and Intangible Assets Disclosure [Abstract]
Goodwill by business segment	A rollforward of goodwill by business segment for the years ended December 31, 2020 and 2019, is presented in the table below: Consumer & Business Commercial Vehicle Treasury/ Huntington (dollar amounts in millions) Banking Banking Finance RBHPCG Other Consolidated Balance, January 1, 2019 $ 1,393 $ 426 $ — $ 170 $ — $ 1,989 Goodwill acquired during the period — — — — — — Adjustments — 1 — — — 1 Balance, December 31, 2019 1,393 427 — 170 — 1,990 Goodwill acquired during the period — — — — — — Adjustments — — — — — — Balance, December 31, 2020 $ 1,393 $ 427 $ — $ 170 $ — $ 1,990
Summary of other intangible assets	At December 31, 2020 and 2019, Huntington’s other intangible assets consisted of the following: (dollar amounts in millions) Gross Accumulated Net December 31, 2020 Core deposit intangible $ 310 $ (150) $ 160 Customer relationship 101 (70) 31 Total other intangible assets $ 411 $ (220) $ 191 December 31, 2019 Core deposit intangible $ 310 $ (120) $ 190 Customer relationship 115 (73) 42 Total other intangible assets $ 425 $ (193) $ 232
Estimated amortization expense of other intangible assets	The estimated amortization expense of other intangible assets for the next five years is as follows: (dollar amounts in millions) Amortization Expense 2021 $ 38 2022 36 2023 34 2024 32 2025 31

OPERATING LEASES (Tables)

OPERATING LEASES (Tables)	12 Months Ended
	Dec. 31, 2020
Leases [Abstract]
Assets And Liabilities, Lessee	Net lease assets and liabilities at December 31, 2020 and 2019 are as follows: At December 31, (dollar amounts in millions) Classification 2020 2019 Assets Operating lease assets Other assets $ 199 $ 210 Liabilities Lease liabilities Other liabilities $ 220 $ 233
Lease, Cost	Net lease cost for the years ended December 31, 2020 and 2019 are as follows: Year Ended December 31, (dollar amounts in millions) Classification 2020 2019 Operating lease cost Net occupancy $ 50 $ 47 Short-term lease cost Net occupancy 1 1 Sublease income Net occupancy (2) (3) Net lease cost $ 49 $ 45 Additional supplemental information related to the Company’s operating leases as of December 31, 2020 and 2019 are as follows: Year Ended December 31, (dollar amounts in millions) 2020 2019 Cash paid for amounts included in the measurement of lease liabilities for Operating cash flows $ (53) $ (54) Right-of-use assets obtained in exchange for lease obligations for Operating leases 23 40 Weighted-average remaining lease term (years) for Operating leases 7.17 7.31 Weighted-average discount rate for Operating leases 4.26 % 4.56 %
Lessee, Operating Lease, Liability, Maturity	Maturity of lease liabilities at December 31, 2020 are as follows: (dollar amounts in millions) Total 2021 $ 43 2022 42 2023 37 2024 32 2025 26 Thereafter 77 Total lease payments $ 257 Less: Interest (37) Total lease liabilities $ 220

PREMISES AND EQUIPMENT (Tables)

PREMISES AND EQUIPMENT (Tables)	12 Months Ended
	Dec. 31, 2020
Property, Plant and Equipment [Abstract]
Schedule of property, plant and equipment	Premises and equipment were comprised of the following at December 31, 2020 and 2019: At December 31, (dollar amounts in millions) 2020 2019 Land and land improvements $ 198 $ 189 Buildings 586 587 Leasehold improvements 203 205 Equipment 736 742 Total premises and equipment 1,723 1,723 Less accumulated depreciation and amortization (966) (960) Net premises and equipment $ 757 $ 763
Depreciation and amortization charged to expense and rental income credited to net occupancy expense	Depreciation and amortization charged to expense and rental income credited to net occupancy expense for the three years ended December 31, 2020, 2019, and 2018 were: (dollar amounts in millions) 2020 2019 2018 Total depreciation and amortization of premises and equipment $ 119 $ 116 $ 130 Rental income credited to occupancy expense 10 11 13

SHORT-TERM BORROWINGS (Tables)

SHORT-TERM BORROWINGS (Tables)	12 Months Ended
	Dec. 31, 2020
Debt Disclosure [Abstract]
Schedule of Short-term Debt	Borrowings with original maturities of one year or less are classified as short-term and were comprised of the following at December 31, 2020 and 2019: At December 31, (dollar amounts in millions) 2020 2019 Federal funds purchased and securities sold under agreements to repurchase $ 71 $ 1,041 Federal Home Loan Bank advances — 1,500 Other borrowings 112 65 Total short-term borrowings $ 183 $ 2,606

LONG-TERM DEBT (Tables)

LONG-TERM DEBT (Tables)	12 Months Ended
	Dec. 31, 2020
Debt Instruments [Abstract]
Schedule of Long-Term Debt	Huntington’s long-term debt consisted of the following: At December 31, (dollar amounts in millions) 2020 2019 The Parent Company: Senior Notes: 3.19% Huntington Bancshares Incorporated medium-term notes due 2021 $ 802 $ 993 2.33% Huntington Bancshares Incorporated senior notes due 2022 699 972 2.67% Huntington Bancshares Incorporated senior notes due 2024 838 798 4.05% Huntington Bancshares Incorporated senior notes due 2025 553 528 2.60% Huntington Bancshares Incorporated senior notes due 2030 743 — Subordinated Notes: 7.00% Huntington Bancshares Incorporated subordinated notes due 2020 — 305 3.55% Huntington Bancshares Incorporated subordinated notes due 2023 256 247 Huntington Capital I Trust Preferred 0.94% junior subordinated debentures due 2027 (1) 69 70 Huntington Capital II Trust Preferred 0.86% junior subordinated debentures due 2028 (2) 32 32 Sky Financial Capital Trust III 1.64% junior subordinated debentures due 2036 (3) 72 72 Sky Financial Capital Trust IV 1.64% junior subordinated debentures due 2036 (3) 74 74 Camco Financial Statutory Trust I 1.57% due 2037 (4) 4 4 Total notes issued by the parent 4,142 4,095 The Bank: Senior Notes: 2.47% Huntington National Bank senior notes due 2020 — 699 2.42% Huntington National Bank senior notes due 2020 (5) — 300 2.43% Huntington National Bank senior notes due 2020 — 500 2.97% Huntington National Bank senior notes due 2020 — 499 0.79% Huntington National Bank senior notes due 2021 (6) 298 299 3.33% Huntington National Bank senior notes due 2021 752 759 2.55% Huntington National Bank senior notes due 2022 710 691 3.16% Huntington National Bank senior notes due 2022 511 507 1.83% Huntington National Bank senior notes due 2023 489 — 3.60% Huntington National Bank senior notes due 2023 773 778 Subordinated Notes: 3.86% Huntington National Bank subordinated notes due 2026 233 231 Total notes issued by the bank 3,766 5,263 FHLB Advances: 1.54% weighted average rate, varying maturities greater than one year 3 5 Other: Huntington Technology Finance nonrecourse debt, 3.63% weighted average interest rate, varying maturities 266 312 2.12% Huntington Preferred Capital II - Class F securities (7) 75 74 2.12% Huntington Preferred Capital II - Class G securities (7) 50 50 2.24% Huntington Preferred Capital II - Class I securities (8) 50 50 Total long-term debt $ 8,352 $ 9,849 (1) Variable effective rate at December 31, 2020, based on three-month LIBOR +0.70% (2) Variable effective rate at December 31, 2020, based on three-month LIBOR +0.625% (3) Variable effective rate at December 31, 2020, based on three-month LIBOR +1.40% (4) Variable effective rate at December 31, 2020, based on three-month LIBOR +1.33% (5) Variable effective rate at December 31, 2019, based on three-month LIBOR +0.51% (6) Variable effective rate at December 31, 2020, based onthree-month LIBOR +0.55% (7) Variable effective rate at December 31, 2020, based on three-month LIBOR +1.88% (8) Variable effective rate at December 31, 2020, based on three-month LIBOR +2.00% A list of trust-preferred securities outstanding at December 31, 2020 follows: (dollar amounts in millions) Rate Principal amount of subordinated note/ debenture issued to trust (1) Investment in unconsolidated subsidiary Huntington Capital I 0.94 % (2) $ 70 $ 6 Huntington Capital II 0.86 (3) 32 3 Sky Financial Capital Trust III 1.64 (4) 72 2 Sky Financial Capital Trust IV 1.64 (4) 74 2 Camco Financial Trust 1.57 (5) 4 1 Total $ 252 $ 14 (1) Represents the principal amount of debentures issued to each trust, including unamortized original issue discount. (2) Variable effective rate at December 31, 2020, based on three-month LIBOR + 0.70%. (3) Variable effective rate at December 31, 2020, based on three-month LIBOR + 0.625%. (4) Variable effective rate at December 31, 2020, based on three-month LIBOR + 1.40%. (5) Variable effective rate at December 31, 2020, based on three month LIBOR + 1.33%.
Schedule Of Debt Issuances	The following table presents senior notes issued during 2020: Date of Issuance Issuer Amount % of face value Interest Rate Term Maturity January 2020 Bank $ 500 million 99.916 % 1.80 % fixed February 3, 2023 January 2020 Parent 750 million 99.597 2.55 fixed February 4, 2030
Schedule of Maturities of Long-term Debt	Long-term debt maturities for the next five years and thereafter are as follows: (dollar amounts in millions) 2021 2022 2023 2024 2025 Thereafter Total The Parent Company: Senior notes $ 800 $ 700 $ — $ 800 $ 500 $ 750 $ 3,550 Subordinated notes — — 250 — — 253 503 The Bank: Senior notes 1,044 1,198 1,202 — — — 3,444 Subordinated notes — — — — — 250 250 FHLB Advances — 1 1 — — 1 3 Other 22 141 136 103 39 — 441 Total $ 1,866 $ 2,040 $ 1,589 $ 903 $ 539 $ 1,254 $ 8,191

OTHER COMPREHENSIVE INCOME (Tab

OTHER COMPREHENSIVE INCOME (Tables)	12 Months Ended
	Dec. 31, 2020
Equity [Abstract]
Components of Accumulated Other Comprehensive Income	The components of Huntington’s OCI for the years ended December 31, 2020, 2019, and 2018, were as follows: 2020 Tax (expense) (dollar amounts in millions) Pretax Benefit After-tax Unrealized gains (losses) on available-for-sale securities arising during the period $ 235 $ (52) $ 183 Less: Reclassification adjustment for realized net losses (gains) included in net income 42 (9) 33 Net change in unrealized holding gains (losses) on available-for-sale securities 277 (61) 216 Net change in fair value on cash flow hedges 302 (68) 234 Net change in pension and other post-retirement obligations (3) 1 (2) Total other comprehensive income (loss) $ 576 $ (128) $ 448 2019 Tax (expense) (dollar amounts in millions) Pretax Benefit After-tax Unrealized gains (losses) on available-for-sale securities arising during the period $ 403 $ (89) $ 314 Less: Reclassification adjustment for realized net losses (gains) included in net income 26 (5) 21 Net change in unrealized holding gains (losses) on available-for-sale securities 429 (94) 335 Net change in fair value on cash flow hedges 26 (3) 23 Net change in pension and other post-retirement obligations (7) 2 (5) Total other comprehensive income (loss) $ 448 $ (95) $ 353 2018 Tax (expense) (dollar amounts in millions) Pretax Benefit After-tax Unrealized gains (losses) on available-for-sale securities arising during the period $ (151) $ 35 $ (116) Less: Reclassification adjustment for net gains (losses) included in net income 41 (9) 32 Net change in unrealized holding gains (losses) on available-for-sale debt securities (110) 26 (84) Net change in pension and post-retirement obligations 4 — 4 Total other comprehensive income (loss) $ (106) $ 26 $ (80)
Activity in Accumulated Other Comprehensive Income	Activity in accumulated OCI for the years ended December 31, 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 Total December 31, 2018 $ (363) $ — $ (246) $ (609) Other comprehensive income before reclassifications 314 23 — 337 Amounts reclassified from accumulated OCI to earnings 21 — (5) 16 Period change 335 23 (5) 353 December 31, 2019 (28) 23 (251) (256) Other comprehensive income before reclassifications 183 234 — 417 Amounts reclassified from accumulated OCI to earnings 33 — (2) 31 Period change 216 234 (2) 448 December 31, 2020 $ 188 $ 257 $ (253) $ 192 (1) AOCI amounts at December 31, 2020, 2019, and 2018 include $69 million, $121 million, and $137 million, respectively, net of unrealized losses on securities transferred from the available-for-sale securities portfolio to the held-to-maturity securities portfolio. The net unrealized losses will be recognized in earnings over the remaining life of the security using the effective interest method.

SHAREHOLDERS' EQUITY (Tables)

SHAREHOLDERS' EQUITY (Tables)	12 Months Ended
	Dec. 31, 2020
Equity [Abstract]
Schedule of Stock by Class	The following is a summary of Huntington’s non-cumulative, non-voting, perpetual preferred stock outstanding as of December 31, 2020. (dollar amounts in millions, share amounts in thousands) Series Issuance Date Total Shares Outstanding Carrying Amount Dividend Rate Earliest Redemption Date Series B 12/28/2011 35,500 $ 23 3-mo. LIBOR + 270 bps 1/15/2017 Series D 3/21/2016 400,000 386 6.25 % 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 5.70 4/15/2023 Series F 5/27/2020 5,000 494 5.625 7/15/2030 Series G 8/3/2020 5,000 494 4.45 10/15/2027 Total 750,500 $ 2,191
Dividends Declared	The following table presents the dividends declared for each series of Preferred shares for the years ended December 31, 2020, 2019, and 2018: (amounts in millions, except per share data) Cash Dividend Declared Per Share Preferred Series Amount ($) Year Ended December 31, 2020 Series B $ 35.91 $ (1) Series C 58.76 (6) Series D 62.50 (37) Series E 5,700.00 (29) Series F 3,468.75 (17) Series G 1,915.97 (10) $ (100) Year Ended December 31, 2019 Series B $ 51.22 $ (2) Series C 58.76 (6) Series D 62.50 (37) Series E 5,700.00 (29) $ (74) Year Ended December 31, 2018 Series B $ 49.11 $ (3) Series C 58.76 (6) Series D 62.50 (37) Series E 4,892.50 (24) $ (70)

EARNINGS PER SHARE (Tables)

EARNINGS PER SHARE (Tables)	12 Months Ended
	Dec. 31, 2020
Earnings Per Share [Abstract]
Basic and diluted earnings loss per share	The calculation of basic and diluted earnings per share for each of the three years ended December 31 was as follows: Year Ended December 31, (amounts in millions, except per share data, share count in thousands) 2020 2019 2018 Net income $ 817 $ 1,411 $ 1,393 Preferred stock dividends (100) (74) (70) Net income available to common shareholders $ 717 $ 1,337 $ 1,323 Average common shares issued and outstanding 1,017,117 1,038,840 1,081,542 Dilutive potential common shares Stock options and restricted stock units and awards 10,613 12,994 16,529 Shares held in deferred compensation plans 4,953 4,245 3,511 Dilutive impact of Preferred Stock (1) — — 4,403 Other — — — Dilutive potential common shares 15,566 17,239 24,443 Total diluted average common shares issued and outstanding 1,032,683 1,056,079 1,105,985 Basic earnings per common share $ 0.71 $ 1.29 $ 1.22 Diluted earnings per common share $ 0.69 $ 1.27 $ 1.20 Anti-dilutive awards (2) 9,760 5,253 2,307 (1) The 2018 total diluted average common shares issued and outstanding was impacted by using the if-converted method. (2) Reflects the total number of shares related to outstanding options that have been excluded from the computation of diluted earnings per share because the impact would have been anti-dilutive.

NONINTEREST INCOME (Tables)

NONINTEREST INCOME (Tables)	12 Months Ended
	Dec. 31, 2020
Revenue from Contract with Customer [Abstract]
Schedule of Non-interest Income	The following table shows Huntington’s total noninterest income segregated between contracts with customers within the scope of ASC 606 and those within the scope of other GAAP Topics. Year Ended December 31, (dollar amounts in millions) 2020 2019 2018 Noninterest income Noninterest income from contracts with customers $ 884 $ 939 $ 881 Noninterest income within the scope of other GAAP topics 707 515 440 Total noninterest income $ 1,591 $ 1,454 $ 1,321 The following table illustrates the disaggregation by operating segment and major revenue stream and reconciles disaggregated revenue to segment revenue presented in Note 26 - “ Segment Reporting ”: Year Ended December 31, 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 $ 217 $ 74 $ 6 $ 4 $ — $ 301 Card and payment processing income 221 15 — — — 236 Trust and investment management services 44 5 — 140 — 189 Insurance income 43 7 — 46 1 97 Other noninterest income 26 22 2 11 — 61 Net revenue from contracts with customers $ 551 $ 123 $ 8 $ 201 $ 1 $ 884 Noninterest income within the scope of other GAAP topics 394 241 1 — 71 707 Total noninterest income $ 945 $ 364 $ 9 $ 201 $ 72 $ 1,591 Year Ended December 31, 2019 (dollar amounts in millions) Consumer & Business Banking Commercial Banking Vehicle Finance RBHPCG Treasury / Other Huntington Consolidated Major Revenue Streams Service charges on deposit accounts $ 297 $ 64 $ 7 $ 4 $ — $ 372 Card and payment processing income 218 15 — — — 233 Trust and investment management services 34 4 — 139 1 178 Insurance Income 34 6 — 47 1 88 Other noninterest income 32 24 4 6 2 68 Net revenue from contracts with customers $ 615 $ 113 $ 11 $ 196 $ 4 $ 939 Noninterest income within the scope of other GAAP topics 210 246 1 2 56 515 Total noninterest income $ 825 $ 359 $ 12 $ 198 $ 60 $ 1,454 Year Ended December 31, 2018 (dollar amounts in millions) Consumer & Business Banking Commercial Banking Vehicle Finance RBHPCG Treasury / Other Huntington Consolidated Major Revenue Streams Service charges on deposit accounts $ 290 $ 64 $ 5 $ 4 $ — $ 363 Card and payment processing income 198 11 — — — 209 Trust and investment management services 28 4 — 139 — 171 Insurance Income 34 5 — 41 2 82 Other noninterest income 38 6 3 8 1 56 Net revenue from contracts with customers $ 588 $ 90 $ 8 $ 192 $ 3 $ 881 Noninterest income within the scope of other GAAP topics 156 231 3 1 49 440 Total noninterest income $ 744 $ 321 $ 11 $ 193 $ 52 $ 1,321

SHARE-BASED COMPENSATION (Table

SHARE-BASED COMPENSATION (Tables)	12 Months Ended
	Dec. 31, 2020
Share-based Payment Arrangement [Abstract]
Share based compensation expense and related tax benefit	The following table presents total share-based compensation expense and related tax benefit for the three years ended December 31, 2020, 2019, and 2018: (dollar amounts in millions) 2020 2019 2018 Share-based compensation expense $ 77 $ 83 $ 78 Tax benefit 13 15 14
Weighted average assumptions used in the option pricing model	The following table presents the weighted average assumptions used in the option pricing model at the grant date for options granted in the three years ended December 31, 2020, 2019, and 2018: Assumptions 2020 2019 2018 Risk-free interest rate 0.48 % 2.41 % 2.88 % Expected dividend yield 6.98 4.36 3.71 Expected volatility of Huntington’s common stock 39.7 22.5 24.0 Expected option term (years) 6.5 6.5 6.5 Weighted-average grant date fair value per share $ 1.49 $ 1.91 $ 2.58
Stock option activity and related information	Huntington’s stock option activity and related information for the year ended December 31, 2020, was as follows: (dollar amounts in millions, except per share and options amounts in thousands) Options Weighted- Weighted-Average Contractual Life (Years) Aggregate Outstanding at January 1, 2020 11,309 $ 12.23 Granted 4,378 8.60 Exercised (1,372) 7.56 Forfeited/expired (163) 13.25 Outstanding at December 31, 2020 14,152 $ 11.55 7.4 $ 25 Expected to vest (1) 7,994 $ 11.18 8.6 $ 17 Exercisable at December 31, 2020 5,919 $ 12.09 5.6 $ 7 (1) The number of options expected to vest reflect an estimate of 239,000 shares expected to be forfeited.
Schedule of restricted stock, restricted stock units, and performance shares	The following table summarizes the status of Huntington’s restricted stock units, and performance share units as of December 31, 2020, and activity for the year ended December 31, 2020: Restricted Stock Units Performance Share Units (amounts in thousands, except per share amounts) Quantity Weighted- Average Grant Date Fair Value Per Share Quantity Weighted- Average Grant Date Fair Value Per Share Nonvested at January 1, 2020 15,289 $ 13.42 2,769 $ 13.49 Granted 7,360 8.98 2,154 8.57 Vested (5,416) 12.39 (1,626) 12.19 Forfeited (581) 12.49 (22) 12.93 Nonvested at December 31, 2020 16,652 $ 12.05 3,275 $ 11.74

BENEFIT PLANS (Tables)

BENEFIT PLANS (Tables)	12 Months Ended
	Dec. 31, 2020
Retirement Benefits [Abstract]
Schedule of weighted-average assumptions used	The following table shows the weighted-average assumptions used to determine the benefit obligation at December 31, 2020 and 2019, and the net periodic benefit cost for the years then ended: Pension Benefits 2020 2019 Weighted-average assumptions used to determine benefit obligations Discount rate 2.50 % 3.40 % Weighted-average assumptions used to determine net periodic benefit cost Discount rate 3.40 4.41 Expected return on plan assets 5.00 5.25
Schedule of changes in projected benefit obligation	The following table reconciles the beginning and ending balances of the benefit obligation of the Plan with the amounts recognized in the consolidated balance sheets at December 31: Pension Benefits (dollar amounts in millions) 2020 2019 Projected benefit obligation at beginning of measurement year $ 923 $ 821 Changes due to: Service cost 3 2 Interest cost 26 32 Benefits paid (29) (29) Settlements (19) (14) Actuarial assumptions and gains (losses) 122 111 Total changes 103 102 Projected benefit obligation at end of measurement year $ 1,026 $ 923
Schedule of changes in fair value of plan assets	The following table reconciles the beginning and ending balances of the fair value of plan assets at the December 31, 2020 and 2019 measurement dates: Pension Benefits (dollar amounts in millions) 2020 2019 Fair value of plan assets at beginning of measurement year $ 931 $ 828 Changes due to: Actual return on plan assets 164 145 Settlements (16) (13) Benefits paid (29) (29) Total changes 119 103 Fair value of plan assets at end of measurement year $ 1,050 $ 931
Schedule of net periodic benefit costs	The following table shows the components of net periodic benefit costs recognized in the three years ended December 31, 2020, 2019 and 2018: Pension Benefits (1) (dollar amounts in millions) 2020 2019 2018 Service cost $ 3 $ 2 $ 3 Interest cost 26 32 29 Expected return on plan assets (42) (44) (49) Amortization of loss 9 6 9 Settlements 5 5 7 Benefit costs $ 1 $ 1 $ (1) (1) The pension costs are recognized in noninterest income - other income in the Consolidated Statements of Income .
Schedule of allocation of plan assets	At December 31, 2020 and 2019, The Huntington National Bank, as trustee, held all plan assets. The plan assets consisted of investments in a variety of cash equivalent, corporate and government fixed income, and equity investments as follows: Fair Value (dollar amounts in millions) 2020 2019 Cash equivalents: Mutual funds-money market $ 20 2 % $ 7 1 % Fixed income: Corporate obligations 522 50 460 49 U.S. Government obligations 208 20 199 21 Municipal obligations 6 — 5 1 Collective trust funds 118 11 105 11 Equities: Common stock 48 5 53 6 Preferred stock 5 — 5 1 Limited liability companies 39 4 43 4 Collective trust funds 33 3 35 4 Limited partnerships 51 5 19 2 Fair value of plan assets $ 1,050 100 % $ 931 100 %
Schedule of expected benefit payments	At December 31, 2020, the following table shows when benefit payments were expected to be paid: (dollar amounts in millions) Pension Benefits 2021 $ 58 2022 55 2023 53 2024 51 2025 50 2026 through 2030 243
Schedule of amounts recognized in balance sheet	The following table presents the amounts recognized in the Consolidated Balance Sheets at December 31, 2020 and 2019, for all defined benefit and nonqualified retirement plans: (dollar amounts in millions) 2020 2019 Other liabilities $ 48 $ 67
Schedule of amounts recognized in OCI	The following tables present the amounts recognized in OCI as of December 31, 2020, 2019, and 2018, and the changes in accumulated OCI for the years ended December 31, 2020, 2019, and 2018: (dollar amounts in millions) 2020 2019 2018 Net actuarial loss $ (253) $ (261) $ (257) Prior service cost — 10 11 Defined benefit pension plans $ (253) $ (251) $ (246) 2020 (dollar amounts in millions) Pretax Tax (expense) Benefit After-tax Net actuarial (loss) gain: Amounts arising during the year $ (7) $ 2 $ (5) Amortization included in net periodic benefit costs 17 (4) 13 Prior service cost: Amounts arising during the year (11) 3 (8) Amortization included in net periodic benefit costs (2) — (2) Total recognized in OCI $ (3) $ 1 $ (2) 2019 (dollar amounts in millions) Pretax Tax (expense) Benefit After-tax Net actuarial (loss) gain: Amounts arising during the year $ (17) $ 5 $ (12) Amortization included in net periodic benefit costs 12 (3) 9 Prior service cost: Amortization included in net periodic benefit costs (2) — (2) Total recognized in OCI $ (7) $ 2 $ (5) 2018 (dollar amounts in millions) Pretax Tax (expense) Benefit After-tax Net actuarial (loss) gain: Amounts arising during the year $ (5) $ 2 $ (3) Amortization included in net periodic benefit costs 13 (3) 10 Prior service cost: Amortization included in net periodic benefit costs (4) 1 (3) Total recognized in OCI $ 4 $ — $ 4
Schedule of Huntington stock statistics for defined contribution plan	The following table shows the number of shares, market value, and dividends received on shares of Huntington stock held by the defined contribution plan: December 31, (dollar amounts in millions, share amounts in thousands) 2020 2019 Shares in Huntington common stock 10,121 10,334 Market value of Huntington common stock $ 128 $ 156 Dividends received on shares of Huntington stock 6 6

INCOME TAXES (Tables)

INCOME TAXES (Tables)	12 Months Ended
	Dec. 31, 2020
Income Tax Disclosure [Abstract]
Summary of provision (benefit) for income taxes	The following is a summary of the provision (benefit) for income taxes: Year Ended December 31, (dollar amounts in millions) 2020 2019 2018 Current tax provision (benefit) Federal $ 236 $ 209 $ 152 State 12 16 20 Total current tax provision 248 225 172 Deferred tax provision (benefit) Federal (103) 24 71 State 10 (1) (8) Total deferred tax provision (93) 23 63 Provision for income taxes $ 155 $ 248 $ 235
Reconcilement of provision (benefit) for income taxes	The following is a reconciliation for provision for income taxes: Year Ended December 31, (dollar amounts in millions) 2020 2019 2018 Provision for income taxes computed at the statutory rate $ 204 $ 348 $ 342 Increases (decreases): General business credits (99) (88) (80) Capital loss (25) (62) (60) Tax-exempt income (17) (21) (23) Tax-exempt bank owned life insurance income (13) (14) (14) Affordable housing investment amortization, net of tax benefits 78 70 64 State income taxes, net 17 11 10 Stock based compensation 1 (5) (14) Impact from TCJA — — (3) Other 9 9 13 Provision for income taxes $ 155 $ 248 $ 235
Significant components of deferred tax assets and liabilities	The significant components of deferred tax assets and liabilities at December 31, 2020 and 2019 were as follows: At December 31, (dollar amounts in millions) 2020 2019 Deferred tax assets: Allowances for credit losses $ 448 $ 184 Net operating and other loss carryforward 128 99 Lease liability 54 47 Purchase accounting and other intangibles 30 33 Pension and other employee benefits 10 12 Fair value adjustments — 77 Other assets 5 11 Total deferred tax assets 675 463 Deferred tax liabilities: Lease financing 409 359 Loan origination costs 137 119 Operating assets 85 74 Fair value adjustments 55 — Right-of-use asset 46 41 Mortgage servicing rights 43 36 Other liabilities 23 11 Total deferred tax liabilities 798 640 Net deferred tax liability before valuation allowance (123) (177) Valuation allowance (11) (6) Net deferred tax liability $ (134) $ (183)
Reconciliation of gross unrecognized tax benefits	The following table provides a reconciliation of the beginning and ending amounts of gross unrecognized tax benefits: (dollar amounts in millions) 2020 2019 Unrecognized tax benefits at beginning of year $ — $ — Gross increases for tax positions taken during prior years 46 — Unrecognized tax benefits at end of year $ 46 $ —

FAIR VALUES OF ASSETS AND LIA_2

FAIR VALUES OF ASSETS AND LIABILITIES (Tables)	12 Months Ended
	Dec. 31, 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 at December 31, 2020 and 2019 are summarized below: Fair Value Measurements at Reporting Date Using Netting Adjustments (1) December 31, 2020 (dollar amounts in millions) Level 1 Level 2 Level 3 Assets Trading account securities: Municipal securities $ — $ 62 $ — $ — $ 62 Available-for-sale securities: U.S. Treasury securities 5 — — — 5 Residential CMOs — 3,666 — — 3,666 Residential MBS — 7,935 — — 7,935 Commercial MBS — 1,163 — — 1,163 Other agencies — 62 — — 62 Municipal securities — 53 2,951 — 3,004 Private-label CMO — — 9 — 9 Asset-backed securities — 182 10 — 192 Corporate debt — 445 — — 445 Other securities/sovereign debt — 4 — — 4 5 13,510 2,970 — 16,485 Other securities 59 — — — 59 Loans held for sale — 1,198 — — 1,198 Loans held for investment — 71 23 — 94 MSRs — — 210 — 210 Derivative assets — 1,903 43 (889) 1,057 Liabilities Derivative liabilities — 1,031 2 (917) 116 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.
Roll forward of derivatives measured on a recurring basis and classified as Level 3	The tables below present a rollforward of the balance sheet amounts for the years ended December 31, 2020, 2019, and 2018 for financial instruments measured on a recurring basis and classified as Level 3. The classification of an item as Level 3 is based on the significance of the unobservable inputs to the overall fair value measurement. However, Level 3 measurements may also include observable components of value that can be validated externally. Accordingly, the gains and losses in the table below include changes in fair value due in part to observable factors that are part of the valuation methodology. Level 3 Fair Value Measurements Available-for-sale securities (dollar amounts in millions) MSRs Derivative instruments Municipal securities Private- Asset- backed securities Loans held for investment Opening balance $ 7 $ 6 $ 2,999 $ 2 $ 48 $ 26 Fair value election for serving assets previously measured using the amortized method 205 — — — — Transfers out of Level 3 (1) — (198) — — — — Total gains/losses for the period: Included in earnings (104) 233 (2) — — — Included in OCI — — 65 — — — Purchases/originations 102 — 623 7 28 — Repayments — — — — — (3) Settlements — — (734) — (66) — Closing balance $ 210 $ 41 $ 2,951 $ 9 $ 10 $ 23 Change in unrealized gains or losses for the period included in earnings for assets held at end of the reporting date $ (104) $ 34 $ — $ — $ — $ — Change in unrealized gains or losses for the period included in other comprehensive income for assets held at the end of the reporting period $ — $ — $ 68 $ — $ — $ — Level 3 Fair Value Measurements Available-for-sale securities Loans held for investment (dollar amounts in millions) MSRs Derivative instruments Municipal securities Private- Asset- backed securities Opening balance $ 10 $ 2 $ 3,165 $ — $ — $ 30 Transfers out of Level 3 (1) — (62) — — — — Total gains/losses for the period: Included in earnings (3) 66 (1) — — 1 Included in OCI — — 77 — — — Purchases/originations — — 254 2 55 — Repayments — — — — — (5) Settlements — — (496) — (7) — Closing balance $ 7 $ 6 $ 2,999 $ 2 $ 48 $ 26 Change in unrealized gains or losses for the period included in earnings (or changes in net assets) for assets held at end of the reporting date $ (3) $ 3 $ — $ — $ — $ — Change in unrealized gains or losses for the period included in other comprehensive income for assets held at the end of the reporting period $ — $ — $ 74 $ — $ — $ — Level 3 Fair Value Measurements Available-for-sale securities Loans held for investment (dollar amounts in millions) MSRs Derivative instruments Municipal securities Asset- backed securities Opening balance $ 11 $ (1) $ 3,167 $ 24 $ 38 Transfers out of Level 3 (1) — (35) — — — Total gains/losses for the period: Included in earnings (1) 35 (3) (2) — Included in OCI — — (52) 11 — Purchases/originations — — 658 — — Sales — — — (33) — Repayments — — — — (8) Settlements — 3 (605) — — Closing balance $ 10 $ 2 $ 3,165 $ — $ 30 Change in unrealized gains or losses for the period included in earnings (or changes in net assets) for assets held at end of the reporting date $ (1) $ — $ — $ — $ — Change in unrealized gains or losses for the period included in other comprehensive income for assets held at the end of the reporting period $ — $ — $ (52) $ — $ — (1)
Roll forward of assets measured on a recurring basis and classified as Level 3	Level 3 Fair Value Measurements Available-for-sale securities (dollar amounts in millions) MSRs Derivative instruments Municipal securities Private- Asset- backed securities Loans held for investment Opening balance $ 7 $ 6 $ 2,999 $ 2 $ 48 $ 26 Fair value election for serving assets previously measured using the amortized method 205 — — — — Transfers out of Level 3 (1) — (198) — — — — Total gains/losses for the period: Included in earnings (104) 233 (2) — — — Included in OCI — — 65 — — — Purchases/originations 102 — 623 7 28 — Repayments — — — — — (3) Settlements — — (734) — (66) — Closing balance $ 210 $ 41 $ 2,951 $ 9 $ 10 $ 23 Change in unrealized gains or losses for the period included in earnings for assets held at end of the reporting date $ (104) $ 34 $ — $ — $ — $ — Change in unrealized gains or losses for the period included in other comprehensive income for assets held at the end of the reporting period $ — $ — $ 68 $ — $ — $ — Level 3 Fair Value Measurements Available-for-sale securities Loans held for investment (dollar amounts in millions) MSRs Derivative instruments Municipal securities Private- Asset- backed securities Opening balance $ 10 $ 2 $ 3,165 $ — $ — $ 30 Transfers out of Level 3 (1) — (62) — — — — Total gains/losses for the period: Included in earnings (3) 66 (1) — — 1 Included in OCI — — 77 — — — Purchases/originations — — 254 2 55 — Repayments — — — — — (5) Settlements — — (496) — (7) — Closing balance $ 7 $ 6 $ 2,999 $ 2 $ 48 $ 26 Change in unrealized gains or losses for the period included in earnings (or changes in net assets) for assets held at end of the reporting date $ (3) $ 3 $ — $ — $ — $ — Change in unrealized gains or losses for the period included in other comprehensive income for assets held at the end of the reporting period $ — $ — $ 74 $ — $ — $ — Level 3 Fair Value Measurements Available-for-sale securities Loans held for investment (dollar amounts in millions) MSRs Derivative instruments Municipal securities Asset- backed securities Opening balance $ 11 $ (1) $ 3,167 $ 24 $ 38 Transfers out of Level 3 (1) — (35) — — — Total gains/losses for the period: Included in earnings (1) 35 (3) (2) — Included in OCI — — (52) 11 — Purchases/originations — — 658 — — Sales — — — (33) — Repayments — — — — (8) Settlements — 3 (605) — — Closing balance $ 10 $ 2 $ 3,165 $ — $ 30 Change in unrealized gains or losses for the period included in earnings (or changes in net assets) for assets held at end of the reporting date $ (1) $ — $ — $ — $ — Change in unrealized gains or losses for the period included in other comprehensive income for assets held at the end of the reporting period $ — $ — $ (52) $ — $ — (1)
Classification of gains and losses due to changes in fair value, recorded in earnings for Level 3 assets and liabilities	The tables below summarize the classification of gains and losses due to changes in fair value, recorded in earnings for Level 3 assets and liabilities for the years ended December 31, 2020, 2019, and 2018: 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 $ (104) $ 233 $ — Interest and fee income — — (2) Total $ (104) $ 233 $ (2) Level 3 Fair Value Measurements Available-for-sale securities Loans held for investment (dollar amounts in millions) MSRs Derivative instruments Municipal securities Classification of gains and losses in earnings: Mortgage banking income $ (3) $ 66 $ — $ — Interest and fee income — — (1) 1 Total $ (3) $ 66 $ (1) $ 1 Level 3 Fair Value Measurements Available-for-sale securities (dollar amounts in millions) MSRs Derivative instruments Municipal securities Asset- backed securities Classification of gains and losses in earnings: Mortgage banking income (loss) $ (1) $ 35 $ — $ — Securities gains (losses) — — — (2) Interest and fee income — — (3) — Total $ (1) $ 35 $ (3) $ (2)
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: December 31, 2020 Total Loans Loans that are 90 or more days past due (dollar amounts in millions) Fair value Aggregate Difference Fair value Aggregate Difference Assets Loans held for sale $ 1,198 $ 1,134 $ 64 $ 2 $ 2 $ — Loans held for investment 94 99 (5) 7 8 (1) December 31, 2019 Total Loans Loans that are 90 or more days past due (dollar amounts in millions) Fair value Aggregate Difference Fair value Aggregate Difference Assets Loans held for sale $ 781 $ 755 $ 26 $ 2 $ 2 $ — Loans held for investment 81 87 $ (6) 3 4 (1) The following tables present the net gains from fair value changes for the years ended December 31, 2020, 2019, and 2018: Net gains (losses) from fair value changes Year Ended December 31, (dollar amounts in millions) 2020 2019 2018 Assets Loans held for sale (1) $ 38 $ 7 $ 5 Loans held for investment 1 1 —
Assets measured at fair value on a nonrecurring basis	The amounts measured at fair value on a nonrecurring basis at December 31, 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 $ 144 $ — $ — $ 144 $ (43) Loans held for sale 124 — — 124 (63)
Quantitative information about significant unobservable level 3 fair value measurement inputs	The table below presents quantitative information about the significant unobservable inputs for assets and liabilities measured at fair value on a recurring and nonrecurring basis at December 31, 2020 and 2019: Quantitative Information about Level 3 Fair Value Measurements at December 31, 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 $ 210 Discounted cash flow Constant prepayment rate 8 % - 24 % 17 % Spread over forward interest rate swap rates 4 % - 11 % 5 % Derivative assets 43 Consensus Pricing Net market price (4) % - 11 % 3 % Estimated Pull through % 1 % - 100 % 88 % Municipal securities 2,951 Discounted cash flow Discount rate — % - 1 % 1 % Asset-backed securities 10 Cumulative default — % - 39 % 4 % Loss given default 5 % - 80 % 25 % Measured at fair value on a nonrecurring basis: Collateral-dependent loans 144 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.
Fair value by balance sheet grouping	The following table provides the carrying amounts and estimated fair values of Huntington’s financial instruments at December 31, 2020 and December 31, 2019: December 31, 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 $ 6,712 $ — $ — $ 6,712 $ 6,712 Trading account securities — — 62 62 62 Available-for-sale securities — — 16,485 16,485 16,485 Held-to-maturity securities 8,861 — — 8,861 9,255 Other securities 359 — 59 418 418 Loans held for sale — 77 1,198 1,275 1,275 Net loans and leases (1) 79,700 — 94 79,794 80,477 Derivative assets — — 1,057 1,057 1,057 Financial Liabilities Deposits 98,948 — — 98,948 99,021 Short-term borrowings 183 — — 183 183 Long-term debt 8,352 — — 8,352 8,568 Derivative liabilities — — 116 116 116 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 December 31, 2020 and December 31, 2019: Estimated Fair Value Measurements at Reporting Date Using Netting December 31, 2020 (dollar amounts in millions) Level 1 Level 2 Level 3 Adjustments (1) Financial Assets Trading account securities $ — $ 62 $ — $ 62 Available-for-sale securities 5 13,510 2,970 16,485 Held-to-maturity securities — 9,255 — 9,255 Other securities (2) 59 — — 59 Loans held for sale — 1,198 77 1,275 Net loans and direct financing leases — 71 80,406 80,477 Derivative assets — 1,903 43 (889) 1,057 Financial Liabilities Deposits — 96,656 2,365 99,021 Short-term borrowings — 183 — 183 Long-term debt — 7,999 569 8,568 Derivative liabilities — 1,031 2 (917) 116 Estimated Fair Value Measurements at Reporting Date Using Netting December 31, 2019 (dollar amounts in millions) Level 1 Level 2 Level 3 Adjustments (1) 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.

DERIVATIVE FINANCIAL INSTRUME_2

DERIVATIVE FINANCIAL INSTRUMENTS (Tables)	12 Months Ended
	Dec. 31, 2020
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Asset and liability derivatives included in accrued income and other assets	December 31, 2020 December 31, 2019 (dollar amounts in millions) Notional Value Asset Liability Notional Value Asset Liability Derivatives designated as Hedging Instruments Interest rate contracts $ 27,056 $ 719 $ 51 $ 25,927 $ 256 $ 36 Derivatives not designated as Hedging Instruments Interest rate contracts 44,495 1,074 828 27,614 420 314 Foreign exchange contracts 2,718 46 47 2,173 19 18 Commodities contracts 1,952 107 103 3,020 155 152 Equity contracts 517 — 4 427 6 1 Total Contracts $ 76,738 $ 1,946 $ 1,033 $ 59,161 $ 856 $ 521
Gains and (losses) recognized in other comprehensive income (loss) (OCI) for derivatives designated as effective cash flow hedges	Location of Gain or (Loss) Recognized in Income on Derivative Year Ended December 31, (dollar amounts in millions) 2020 2019 2018 Interest rate contracts: Customer Capital markets fees $ 47 $ 49 $ 41 Mortgage Banking Mortgage banking income 52 37 (19) Interest rate floors Interest and fee income on loans and leases (2) 4 — Interest rate caps Interest expense on long-term debt 5 — — Foreign exchange contracts Capital markets fees 27 28 27 Commodities contracts Capital markets fees 4 (2) 6 Equity contracts Other noninterest expense (4) (4) 4 Total $ 129 $ 112 $ 59
Gross notional values of derivatives used in asset and liability management activities	The following table presents the gross notional values of derivatives used in Huntington’s asset and liability management activities at December 31, 2020 and December 31, 2019, identified by the underlying interest rate-sensitive instruments: December 31, 2020 (dollar amounts in millions) Fair Value Hedges Cash Flow Hedges Economic Hedges Total Instruments associated with: Investment securities $ 3,484 $ — $ — $ 3,484 Loans — 17,375 1,271 18,646 Long-term debt 6,197 — 5,000 11,197 Total notional value at December 31, 2020 $ 9,681 $ 17,375 $ 6,271 $ 33,327 December 31, 2019 (dollar amounts in millions) Fair Value Hedges Cash Flow Hedges Economic Hedges Total Instruments associated with: Investment securities $ — $ 12 $ — $ 12 Loans — 18,375 — 18,375 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 years ended December 31, 2020 and 2019: Year Ended December 31, (dollar amounts in millions) 2020 2019 2018 Interest rate contracts Change in fair value of interest rate swaps hedging investment securities (1) $ 6 $ — $ — Change in fair value of hedged investment securities (1) 3 — — Change in fair value of interest rate swaps hedging long-term debt (2) 113 127 112 Change in fair value of hedged long term debt (2) (118) (125) (104) (1) Recognized in Interest income—available-for-sale securities—taxable in the Conso lidated Statements of Income . (2) Recognized in Interest expense - long-term debt in the Consolidated Statements of Income .
Amounts recorded on the balance sheet related to cumulative basis adjustments	As of December 31, 2020, the following amounts were recorded on the balance sheet related to cumulative basis adjustments for fair value hedges. Amortized Cost Cumulative Amount of Fair Value Hedging Adjustment To Hedged Items At December 31, At December 31, (dollar amounts in millions) 2020 2019 2020 2019 Assets Investment securities (1) $ 6,637 $ — $ 3 $ — Liabilities Long-term debt 6,383 7,578 232 114 (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 December 31, 2020, the amortized cost basis of the closed portfolios used in these hedging relationships was $6.2 billion, the cumulative basis adjustments associated with these hedging relationships was $2 million, and the amounts of the designated hedged items were $3.1 billion.
MSR Derivative Hedging	The notional value of the derivative financial instruments, the corresponding net asset (liability) position recognized in other assets and/or other liabilities, and net trading gains (losses) related to MSR hedging activity is summarized in the following table: MSR hedging activity At December 31, (dollar amounts in millions) 2020 2019 Notional value $ 1,170 $ 778 Trading assets 43 19 Year December 31, (dollar amounts in millions) 2020 2019 2018 Trading gains (losses) $ 52 $ 30 $ (8)
Offsetting of financial assets and derivatives assets	The following tables present the gross amounts of these assets and liabilities with any offsets to arrive at the net amounts recognized in the Consolidated Balance Sheets at December 31, 2020 and December 31, 2019: Offsetting of Financial Assets and Derivative Assets Gross amounts offset in the consolidated balance sheets Net amounts of assets presented in the consolidated balance sheets Gross amounts not offset in the consolidated balance sheets (dollar amounts in millions) Gross amounts of recognized assets Financial instruments Cash collateral received Net amount December 31, 2020 Derivatives $ 1,946 $ (889) $ 1,057 $ (112) $ (142) $ 803 December 31, 2019 Derivatives 856 (404) 452 (65) (29) 358
Offsetting of financial liabilities and derivative liabilities	Offsetting of Financial Liabilities and Derivative Liabilities Gross amounts offset in the consolidated balance sheets Net amounts of liabilities presented in the consolidated balance sheets Gross amounts not offset in the consolidated balance sheets (dollar amounts in millions) Gross amounts of recognized liabilities Financial instruments Cash collateral delivered Net amount December 31, 2020 Derivatives $ 1,033 $ (917) $ 116 $ (9) $ (105) $ 2 December 31, 2019 Derivatives 521 (417) 104 — (75) 29

VIEs (Tables)

VIEs (Tables)	12 Months Ended
	Dec. 31, 2020
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Carrying amount and classification of the trusts assets and liabilities, and affordable housing tax credit investments	The following tables provide a summary of the assets and liabilities included in Huntington’s Consolidated Financial Statements, as well as the maximum exposure to losses, associated with its interests related to unconsolidated VIEs for which Huntington holds an interest in, but is not the primary beneficiary of, the VIE at December 31, 2020, and 2019: December 31, 2020 (dollar amounts in millions) Total Assets Total Liabilities Maximum Exposure to Loss Trust Preferred Securities $ 14 $ 252 $ — Affordable Housing Tax Credit Partnerships 956 500 956 Other Investments 308 72 308 Total $ 1,278 $ 824 $ 1,264 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 The following table presents the balances of Huntington’s affordable housing tax credit investments and related unfunded commitments at December 31, 2020 and 2019. (dollar amounts in millions) December 31, December 31, Affordable housing tax credit investments $ 1,568 $ 1,242 Less: amortization (612) (515) Net affordable housing tax credit investments $ 956 $ 727 Unfunded commitments $ 500 $ 332 The following table presents other information relating to Huntington’s affordable housing tax credit investments for the years ended December 31, 2020, 2019, and 2018: Year Ended December 31, (dollar amounts in millions) 2020 2019 2018 Tax credits and other tax benefits recognized $ 113 $ 98 $ 92 Proportional amortization expense included in provision for income taxes 97 84 79
Summary of outstanding trust preferred securities	Huntington’s long-term debt consisted of the following: At December 31, (dollar amounts in millions) 2020 2019 The Parent Company: Senior Notes: 3.19% Huntington Bancshares Incorporated medium-term notes due 2021 $ 802 $ 993 2.33% Huntington Bancshares Incorporated senior notes due 2022 699 972 2.67% Huntington Bancshares Incorporated senior notes due 2024 838 798 4.05% Huntington Bancshares Incorporated senior notes due 2025 553 528 2.60% Huntington Bancshares Incorporated senior notes due 2030 743 — Subordinated Notes: 7.00% Huntington Bancshares Incorporated subordinated notes due 2020 — 305 3.55% Huntington Bancshares Incorporated subordinated notes due 2023 256 247 Huntington Capital I Trust Preferred 0.94% junior subordinated debentures due 2027 (1) 69 70 Huntington Capital II Trust Preferred 0.86% junior subordinated debentures due 2028 (2) 32 32 Sky Financial Capital Trust III 1.64% junior subordinated debentures due 2036 (3) 72 72 Sky Financial Capital Trust IV 1.64% junior subordinated debentures due 2036 (3) 74 74 Camco Financial Statutory Trust I 1.57% due 2037 (4) 4 4 Total notes issued by the parent 4,142 4,095 The Bank: Senior Notes: 2.47% Huntington National Bank senior notes due 2020 — 699 2.42% Huntington National Bank senior notes due 2020 (5) — 300 2.43% Huntington National Bank senior notes due 2020 — 500 2.97% Huntington National Bank senior notes due 2020 — 499 0.79% Huntington National Bank senior notes due 2021 (6) 298 299 3.33% Huntington National Bank senior notes due 2021 752 759 2.55% Huntington National Bank senior notes due 2022 710 691 3.16% Huntington National Bank senior notes due 2022 511 507 1.83% Huntington National Bank senior notes due 2023 489 — 3.60% Huntington National Bank senior notes due 2023 773 778 Subordinated Notes: 3.86% Huntington National Bank subordinated notes due 2026 233 231 Total notes issued by the bank 3,766 5,263 FHLB Advances: 1.54% weighted average rate, varying maturities greater than one year 3 5 Other: Huntington Technology Finance nonrecourse debt, 3.63% weighted average interest rate, varying maturities 266 312 2.12% Huntington Preferred Capital II - Class F securities (7) 75 74 2.12% Huntington Preferred Capital II - Class G securities (7) 50 50 2.24% Huntington Preferred Capital II - Class I securities (8) 50 50 Total long-term debt $ 8,352 $ 9,849 (1) Variable effective rate at December 31, 2020, based on three-month LIBOR +0.70% (2) Variable effective rate at December 31, 2020, based on three-month LIBOR +0.625% (3) Variable effective rate at December 31, 2020, based on three-month LIBOR +1.40% (4) Variable effective rate at December 31, 2020, based on three-month LIBOR +1.33% (5) Variable effective rate at December 31, 2019, based on three-month LIBOR +0.51% (6) Variable effective rate at December 31, 2020, based onthree-month LIBOR +0.55% (7) Variable effective rate at December 31, 2020, based on three-month LIBOR +1.88% (8) Variable effective rate at December 31, 2020, based on three-month LIBOR +2.00% A list of trust-preferred securities outstanding at December 31, 2020 follows: (dollar amounts in millions) Rate Principal amount of subordinated note/ debenture issued to trust (1) Investment in unconsolidated subsidiary Huntington Capital I 0.94 % (2) $ 70 $ 6 Huntington Capital II 0.86 (3) 32 3 Sky Financial Capital Trust III 1.64 (4) 72 2 Sky Financial Capital Trust IV 1.64 (4) 74 2 Camco Financial Trust 1.57 (5) 4 1 Total $ 252 $ 14 (1) Represents the principal amount of debentures issued to each trust, including unamortized original issue discount. (2) Variable effective rate at December 31, 2020, based on three-month LIBOR + 0.70%. (3) Variable effective rate at December 31, 2020, based on three-month LIBOR + 0.625%. (4) Variable effective rate at December 31, 2020, based on three-month LIBOR + 1.40%. (5) Variable effective rate at December 31, 2020, based on three month LIBOR + 1.33%.

COMMITMENTS AND CONTINGENT LI_2

COMMITMENTS AND CONTINGENT LIABILITIES (Tables)	12 Months Ended
	Dec. 31, 2020
Commitments and Contingencies Disclosure [Abstract]
Contract amounts of various commitments to extend credit	The contract amounts of these financial agreements at December 31, 2020, and December 31, 2019 were as follows: At December 31, (dollar amounts in millions) 2020 2019 Contract amount representing credit risk Commitments to extend credit: Commercial $ 20,701 $ 18,326 Consumer 14,808 14,831 Commercial real estate 1,313 1,364 Standby letters of credit 581 587 Commercial letters of credit 21 8

OTHER REGULATORY MATTERS (Table

OTHER REGULATORY MATTERS (Tables)	12 Months Ended
	Dec. 31, 2020
BankingRegulation [Abstract]
Period-end capital amounts and capital ratios	Minimum Minimum Basel III Regulatory Ratio+Capital Well- December 31, Capital Conservation Capitalized 2020 2019 (dollar amounts in millions) Ratios Buffer (1) Minimums Ratio Amount Ratio Amount CET 1 risk-based capital Consolidated 4.50 % 7.00 % N/A 10.00 % $ 8,887 9.88 % $ 8,647 Bank 4.50 7.00 6.50 % 10.65 9,438 11.17 9,747 Tier 1 risk-based capital Consolidated 6.00 8.50 6.00 12.47 11,083 11.26 9,854 Bank 6.00 8.50 8.00 11.97 10,601 12.17 10,621 Total risk-based capital Consolidated 8.00 10.50 10.00 14.46 12,856 13.04 11,413 Bank 8.00 10.50 10.00 13.58 12,032 13.59 11,864 Tier 1 leverage Consolidated 4.00 N/A N/A 9.32 11,083 9.26 9,854 Bank 4.00 N/A 5.00 8.94 10,601 10.01 10,621

PARENT-ONLY FINANCIAL STATEME_2

PARENT-ONLY FINANCIAL STATEMENTS (Tables)	12 Months Ended
	Dec. 31, 2020
Condensed Financial Information Disclosure [Abstract]
Balance Sheets	The parent-only financial statements, which include transactions with subsidiaries, are as follows: Balance Sheets December 31, (dollar amounts in millions) 2020 2019 Assets Cash and due from banks $ 4,466 $ 3,119 Due from The Huntington National Bank 297 47 Due from non-bank subsidiaries 37 34 Investment in The Huntington National Bank 12,509 12,833 Investment in non-bank subsidiaries 147 165 Accrued interest receivable and other assets 429 349 Total assets $ 17,885 $ 16,547 Liabilities and shareholders’ equity Long-term borrowings $ 4,142 $ 4,095 Dividends payable, accrued expenses, and other liabilities 750 657 Total liabilities 4,892 4,752 Shareholders’ equity (1) 12,993 11,795 Total liabilities and shareholders’ equity $ 17,885 $ 16,547 (1) See Consolidated Statements of Changes in Shareholders’ Equity.
Statements of Income	Statements of Income Year Ended December 31, (dollar amounts in millions) 2020 2019 2018 Income Dividends from: The Huntington National Bank $ 1,527 $ 685 $ 1,722 Non-bank subsidiaries 36 3 — Interest from: The Huntington National Bank 4 8 27 Non-bank subsidiaries 1 2 2 Other 11 2 (2) Total income 1,579 700 1,749 Expense Personnel costs 17 6 2 Interest on borrowings 115 143 124 Other 123 145 118 Total expense 255 294 244 Income before income taxes and equity in undistributed net income of subsidiaries 1,324 406 1,505 Provision (benefit) for income taxes (46) (63) (48) Income before equity in undistributed net income of subsidiaries 1,370 469 1,553 Increase (decrease) in undistributed net income (loss) of: The Huntington National Bank (547) 908 (186) Non-bank subsidiaries (6) 34 26 Net income $ 817 $ 1,411 $ 1,393 Other comprehensive income (loss) (1) 448 353 (80) Comprehensive income $ 1,265 $ 1,764 $ 1,313 (1) See Consolidated Statements of Comprehensive Income for other comprehensive income (loss) detail.
Statements of Cash Flows	Statements of Cash Flows Year Ended December 31, (dollar amounts in millions) 2020 2019 2018 Operating activities Net income $ 817 $ 1,411 $ 1,393 Adjustments to reconcile net income to net cash provided by operating activities: Equity in undistributed net income of subsidiaries 553 (942) 197 Depreciation and amortization — (2) (2) Other, net 89 (19) 121 Net cash (used for) provided by operating activities 1,459 448 1,709 Investing activities Repayments from subsidiaries 8 701 21 Advances to subsidiaries (256) (11) (13) (Purchases)/Proceeds from sale of securities (1) (38) — Cash paid for acquisitions, net of cash received — — (15) Net cash (used for) provided by investing activities (249) 652 (7) Financing activities Net proceeds from issuance of medium-term notes 747 797 501 Payment of medium-term notes — — (400) Payment of long-term debt (800) — — Dividends paid on common and preferred stock (698) (671) (584) Repurchases of common stock (92) (441) (939) Net proceeds from issuance of preferred stock 988 — 495 Other, net (8) (18) (41) Net cash provided by (used for) financing activities 137 (333) (968) Increase (decrease) in cash and cash equivalents 1,347 767 734 Cash and cash equivalents at beginning of year 3,119 2,352 1,618 Cash and cash equivalents at end of year $ 4,466 $ 3,119 $ 2,352 Supplemental disclosure: Interest paid $ 113 $ 135 $ 126

SEGMENT REPORTING (Tables)

SEGMENT REPORTING (Tables)	12 Months Ended
	Dec. 31, 2020
Segment Reporting [Abstract]
Business Segment Financial Information	Listed in the table below is certain operating basis financial information reconciled to Huntington’s December 31, 2020, December 31, 2019, and December 31, 2018, reported results by business segment: Income Statements (dollar amounts in millions) Consumer & Business Banking Commercial Banking Vehicle Finance RBHPCG Treasury / Other Huntington Consolidated 2020 Net interest income $ 1,436 $ 903 $ 430 $ 160 $ 295 $ 3,224 Provision (benefit) for credit losses 265 626 146 11 — 1,048 Noninterest income 945 364 9 201 72 1,591 Noninterest expense 1,774 542 141 243 95 2,795 Provision (benefit) for income taxes 72 21 32 22 8 155 Net income (loss) $ 270 $ 78 $ 120 $ 85 $ 264 $ 817 2019 Net interest income $ 1,766 $ 1,037 $ 397 $ 198 $ (185) $ 3,213 Provision (benefit) for credit losses 114 132 44 (3) — 287 Noninterest income 825 359 12 198 60 1,454 Noninterest expense 1,673 564 148 256 80 2,721 Provision (benefit) for income taxes 169 147 45 30 (143) 248 Net income (loss) $ 635 $ 553 $ 172 $ 113 $ (62) $ 1,411 2018 Net interest income $ 1,727 $ 1,013 $ 392 $ 203 $ (146) $ 3,189 Provision (benefit) for credit losses 137 42 55 1 — 235 Noninterest income 744 321 11 193 52 1,321 Noninterest expense 1,699 502 143 244 59 2,647 Provision (benefit) for income taxes 133 166 43 32 (139) 235 Net income (loss) $ 502 $ 624 $ 162 $ 119 $ (14) $ 1,393
Segment Disclosure of Assets and Deposits	Assets at December 31, Deposits at December 31, (dollar amounts in millions) 2020 2019 2020 2019 Consumer & Business Banking $ 30,758 $ 25,073 $ 60,910 $ 51,675 Commercial Banking 36,311 34,337 24,766 20,762 Vehicle Finance 19,789 20,155 722 376 RBHPCG 7,064 6,665 7,635 6,370 Treasury / Other 29,116 22,772 4,915 3,164 Total $ 123,038 $ 109,002 $ 98,948 $ 82,347

SIGNIFICANT ACCOUNTING POLICI_3

SIGNIFICANT ACCOUNTING POLICIES - Loans and Leases (Details)	12 Months Ended
	Dec. 31, 2020
Commercial and industrial
Financing Receivable, Past Due [Line Items]
Threshold period past due for nonperforming status	90 days
Threshold past due for write-off	90 days
Home Equity | First-lien home equity loan
Financing Receivable, Past Due [Line Items]
Threshold period past due for nonperforming status	150 days
Threshold past due for write-off	150 days
Home Equity | Junior-lien home equity loan
Financing Receivable, Past Due [Line Items]
Threshold past due for write-off	120 days
Automobile
Financing Receivable, Past Due [Line Items]
Threshold past due for write-off	120 days
Residential Mortgage
Financing Receivable, Past Due [Line Items]
Threshold period past due for nonperforming status	150 days
Threshold past due for write-off	150 days
Commercial real estate
Financing Receivable, Past Due [Line Items]
Threshold period past due for nonperforming status	90 days
Threshold past due for write-off	90 days
Consumer
Financing Receivable, Past Due [Line Items]
Threshold past due for write-off	120 days
RV and marine
Financing Receivable, Past Due [Line Items]
Threshold past due for write-off	120 days
Other consumer
Financing Receivable, Past Due [Line Items]
Threshold past due for write-off	120 days

SIGNIFICANT ACCOUNTING POLICI_4

SIGNIFICANT ACCOUNTING POLICIES - Property, Plant, and Equipment (Details)	12 Months Ended
	Dec. 31, 2020
Buildings | Minimum
Property, Plant and Equipment [Line Items]
Property, Plant and Equipment, Useful Life	30 years
Buildings | Maximum
Property, Plant and Equipment [Line Items]
Property, Plant and Equipment, Useful Life	40 years
Building Improvements | Minimum
Property, Plant and Equipment [Line Items]
Property, Plant and Equipment, Useful Life	10 years
Building Improvements | Maximum
Property, Plant and Equipment [Line Items]
Property, Plant and Equipment, Useful Life	30 years
Land Improvements | Minimum
Property, Plant and Equipment [Line Items]
Property, Plant and Equipment, Useful Life	5 years
Land Improvements | Maximum
Property, Plant and Equipment [Line Items]
Property, Plant and Equipment, Useful Life	20 years
Equipment | Minimum
Property, Plant and Equipment [Line Items]
Property, Plant and Equipment, Useful Life	3 years
Equipment | Maximum
Property, Plant and Equipment [Line Items]
Property, Plant and Equipment, Useful Life	10 years

ACCOUNTING STANDARDS UPDATE (De

ACCOUNTING STANDARDS UPDATE (Details) - USD ($) $ in Millions	Jan. 01, 2020	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Acl Balance End Of Period	$ 887	$ 1,866	$ 887	$ 868
Increase (decrease) in Net Charge-offs, percent	44.00%
Cumulative Effect, Period of Adoption, Adjustment
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Financing Receivable Allowance For Credit Loss Including Off Balance Sheet Credit Loss Liability	$ 393

PENDING ACQUISITION OF TCF FI_2

PENDING ACQUISITION OF TCF FINANCIAL CORPORATION - Narrative (Details) $ in Millions	3 Months Ended	12 Months Ended
	Jun. 30, 2021USD ($)	Dec. 31, 2020USD ($)Rate	Dec. 31, 2019USD ($)
Business Acquisition [Line Items]
Total assets		$ 123,038	$ 109,002
Series C Non-Cumulative Perpetual Preferred Stock
Business Acquisition [Line Items]
Preferred stock, dividend rate percentage | Rate		5.875%
TCF Financial Corporation
Business Acquisition [Line Items]
Total assets		$ 47,800
Forecast | TCF Financial Corporation | Series C Non-Cumulative Perpetual Preferred Stock
Business Acquisition [Line Items]
Preferred stock, dividend rate percentage	5.70%
TCF Financial Corporation | Forecast
Business Acquisition [Line Items]
Value of transaction	$ 6,000
TCF Financial Corporation | Forecast | Common Stock
Business Acquisition [Line Items]
Share issuance ratio	3.0028
TCF Financial Corporation | Forecast | Newly created series of preferred stock
Business Acquisition [Line Items]
Share issuance ratio	1

INVESTMENT SECURITIES AND OTH_3

INVESTMENT SECURITIES AND OTHER SECURITIES - Schedule of Amortized Cost, Fair Value, and Gross Unrealized Gains(Losses) (Details) - USD ($)	Dec. 31, 2020	Dec. 31, 2019
Schedule of investment securities and other securities [Line Items]
Debt Securities, Available-for-sale, Amortized Cost	$ 16,175,000,000	$ 14,063,000,000
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Gain, before Tax	344,000,000	137,000,000
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Loss, before Tax	(34,000,000)	(51,000,000)
Debt Securities, Available-for-sale	16,485,000,000	14,149,000,000
Debt Securities, Held-to-maturity	8,861,000,000	9,070,000,000
Debt Securities, Held-to-maturity, Accumulated Unrecognized Gain	394,000,000	119,000,000
Debt Securities, Held-to-maturity, Accumulated Unrecognized Loss	0	(3,000,000)
Debt Securities, Held-to-maturity, Fair Value	9,255,000,000	9,186,000,000
Equity Securities, FV-NI, Cost	417,000,000	441,000,000
Equity Securities, FV-NI, Accumulated Gross Unrealized Gain, before Tax	1,000,000	0
Equity Securities, FV-NI, Accumulated Gross Unrealized Loss, before Tax	0	0
Equity Securities, FV-NI	418,000,000	441,000,000
Available-for-sale Securities
Schedule of investment securities and other securities [Line Items]
Financing Receivable, Accrued Interest, before Allowance for Credit Loss	32,000,000
Held-to-maturity Securities
Schedule of investment securities and other securities [Line Items]
Financing Receivable, Accrued Interest, before Allowance for Credit Loss	20,000,000
U.S. Treasury securities
Schedule of investment securities and other securities [Line Items]
Debt Securities, Available-for-sale, Amortized Cost	5,000,000	10,000,000
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Gain, before Tax	0	0
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Loss, before Tax	0	0
Debt Securities, Available-for-sale	5,000,000	10,000,000
Residential CMO
Schedule of investment securities and other securities [Line Items]
Debt Securities, Available-for-sale, Amortized Cost	3,550,000,000	5,055,000,000
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Gain, before Tax	121,000,000	48,000,000
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Loss, before Tax	(5,000,000)	(18,000,000)
Debt Securities, Available-for-sale	3,666,000,000	5,085,000,000
Debt Securities, Held-to-maturity	1,779,000,000	2,351,000,000
Debt Securities, Held-to-maturity, Accumulated Unrecognized Gain	88,000,000	33,000,000
Debt Securities, Held-to-maturity, Accumulated Unrecognized Loss	0	(3,000,000)
Debt Securities, Held-to-maturity, Fair Value	1,867,000,000	2,381,000,000
Residential MBS
Schedule of investment securities and other securities [Line Items]
Debt Securities, Available-for-sale, Amortized Cost	7,843,000,000	4,180,000,000
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Gain, before Tax	97,000,000	45,000,000
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Loss, before Tax	(5,000,000)	(3,000,000)
Debt Securities, Available-for-sale	7,935,000,000	4,222,000,000
Debt Securities, Held-to-maturity	3,715,000,000	2,463,000,000
Debt Securities, Held-to-maturity, Accumulated Unrecognized Gain	103,000,000	50,000,000
Debt Securities, Held-to-maturity, Accumulated Unrecognized Loss	0	0
Debt Securities, Held-to-maturity, Fair Value	3,818,000,000	2,513,000,000
Commercial MBS
Schedule of investment securities and other securities [Line Items]
Debt Securities, Available-for-sale, Amortized Cost	1,151,000,000	979,000,000
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Gain, before Tax	21,000,000	1,000,000
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Loss, before Tax	(9,000,000)	(4,000,000)
Debt Securities, Available-for-sale	1,163,000,000	976,000,000
Debt Securities, Held-to-maturity	3,118,000,000	3,959,000,000
Debt Securities, Held-to-maturity, Accumulated Unrecognized Gain	191,000,000	34,000,000
Debt Securities, Held-to-maturity, Accumulated Unrecognized Loss	0	0
Debt Securities, Held-to-maturity, Fair Value	3,309,000,000	3,993,000,000
Other agencies
Schedule of investment securities and other securities [Line Items]
Debt Securities, Available-for-sale, Amortized Cost	60,000,000	165,000,000
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Gain, before Tax	2,000,000	1,000,000
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Loss, before Tax	0	(1,000,000)
Debt Securities, Available-for-sale	62,000,000	165,000,000
Debt Securities, Held-to-maturity	246,000,000	293,000,000
Debt Securities, Held-to-maturity, Accumulated Unrecognized Gain	12,000,000	2,000,000
Debt Securities, Held-to-maturity, Accumulated Unrecognized Loss	0	0
Debt Securities, Held-to-maturity, Fair Value	258,000,000	295,000,000
Total U.S. Treasury, federal agency and other agency securities
Schedule of investment securities and other securities [Line Items]
Debt Securities, Available-for-sale, Amortized Cost	12,609,000,000	10,389,000,000
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Gain, before Tax	241,000,000	95,000,000
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Loss, before Tax	(19,000,000)	(26,000,000)
Debt Securities, Available-for-sale	12,831,000,000	10,458,000,000
Debt Securities, Held-to-maturity	8,858,000,000	9,066,000,000
Debt Securities, Held-to-maturity, Accumulated Unrecognized Gain	394,000,000	119,000,000
Debt Securities, Held-to-maturity, Accumulated Unrecognized Loss	0	(3,000,000)
Debt Securities, Held-to-maturity, Fair Value	9,252,000,000	9,182,000,000
Municipal securities
Schedule of investment securities and other securities [Line Items]
Debt Securities, Available-for-sale, Amortized Cost	2,928,000,000	3,044,000,000
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Gain, before Tax	91,000,000	34,000,000
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Loss, before Tax	(15,000,000)	(23,000,000)
Debt Securities, Available-for-sale	3,004,000,000	3,055,000,000
Debt Securities, Held-to-maturity	3,000,000	4,000,000
Debt Securities, Held-to-maturity, Accumulated Unrecognized Gain	0	0
Debt Securities, Held-to-maturity, Accumulated Unrecognized Loss	0	0
Debt Securities, Held-to-maturity, Fair Value	3,000,000	4,000,000
Private-label CMO
Schedule of investment securities and other securities [Line Items]
Debt Securities, Available-for-sale, Amortized Cost	9,000,000	2,000,000
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Gain, before Tax	0	0
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Loss, before Tax	0	0
Debt Securities, Available-for-sale	9,000,000	2,000,000
Asset-backed securities
Schedule of investment securities and other securities [Line Items]
Debt Securities, Available-for-sale, Amortized Cost	185,000,000	575,000,000
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Gain, before Tax	7,000,000	6,000,000
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Loss, before Tax	0	(2,000,000)
Debt Securities, Available-for-sale	192,000,000	579,000,000
Corporate debt
Schedule of investment securities and other securities [Line Items]
Debt Securities, Available-for-sale, Amortized Cost	440,000,000	49,000,000
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Gain, before Tax	5,000,000	2,000,000
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Loss, before Tax	0	0
Debt Securities, Available-for-sale	445,000,000	51,000,000
Other securities/Sovereign debt
Schedule of investment securities and other securities [Line Items]
Debt Securities, Available-for-sale, Amortized Cost	4,000,000	4,000,000
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Gain, before Tax	0	0
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Loss, before Tax	0	0
Debt Securities, Available-for-sale	4,000,000	4,000,000
Mutual funds
Schedule of investment securities and other securities [Line Items]
Equity Securities, FV-NI, Cost	50,000,000	53,000,000
Equity Securities, FV-NI, Accumulated Gross Unrealized Gain, before Tax	0	0
Equity Securities, FV-NI, Accumulated Gross Unrealized Loss, before Tax	0	0
Equity Securities, FV-NI	50,000,000	53,000,000
Equity securities
Schedule of investment securities and other securities [Line Items]
Equity Securities, FV-NI, Cost	8,000,000	1,000,000
Equity Securities, FV-NI, Accumulated Gross Unrealized Gain, before Tax	1,000,000	0
Equity Securities, FV-NI, Accumulated Gross Unrealized Loss, before Tax	0	0
Equity Securities, FV-NI	9,000,000	1,000,000
Federal Home Loan Bank stock | Non-marketable equity securities:
Schedule of investment securities and other securities [Line Items]
Equity Securities, FV-NI, Cost	60,000,000	90,000,000
Equity Securities, FV-NI, Accumulated Gross Unrealized Gain, before Tax	0	0
Equity Securities, FV-NI, Accumulated Gross Unrealized Loss, before Tax	0	0
Equity Securities, FV-NI	60,000,000	90,000,000
Federal Reserve Bank stock | Non-marketable equity securities:
Schedule of investment securities and other securities [Line Items]
Equity Securities, FV-NI, Cost	299,000,000	297,000,000
Equity Securities, FV-NI, Accumulated Gross Unrealized Gain, before Tax	0	0
Equity Securities, FV-NI, Accumulated Gross Unrealized Loss, before Tax	0	0
Equity Securities, FV-NI	$ 299,000,000	$ 297,000,000

INVESTMENT SECURITIES AND OTH_4

INVESTMENT SECURITIES AND OTHER SECURITIES - Contractual Maturities (Details) - USD ($) $ in Millions	Dec. 31, 2020	Dec. 31, 2019
Investments, Debt and Equity Securities [Abstract]
Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, within One Year, Amortized Cost	$ 308	$ 231
Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, within One Year, Fair Value	304	229
Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, after One Through Five Years, Amortized Cost	1,145	1,196
Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, after One Through Five Years, Fair Value	1,154	1,189
Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, after Five Through Ten Years, Amortized Cost	1,607	1,594
Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, after Five Through Ten Years, Fair Value	1,654	1,606
Debt Securities, Available-for-sale, Allocated and Single Maturity Date, Maturity, after 10 Years, Amortized Cost	13,115	11,042
Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, after 10 Years, Fair Value	13,373	11,125
Debt Securities, Available-for-sale, Amortized Cost	16,175	14,063
Debt Securities, Available-for-sale	16,485	14,149
Debt Securities, Held-to-maturity, Maturity, Allocated and Single Maturity Date, within One Year, Amortized Cost	0	0
Debt Securities, Held-to-maturity, Maturity, Allocated and Single Maturity Date, within One Year, Fair Value	0	0
Debt Securities, Held-to-maturity, Maturity, Allocated and Single Maturity Date, after One Through Five Years, Amortized Cost	160	17
Debt Securities, Held-to-maturity, Maturity, Allocated and Single Maturity Date, after One Through Five Years, Fair Value	169	17
Debt Securities, Held-to-maturity, Maturity, Allocated and Single Maturity Date, after Five Through Ten Years, Amortized Cost	131	300
Debt Securities, Held-to-maturity, Maturity, Allocated and Single Maturity Date, after Five Through Ten Years, Fair Value	138	305
Debt Securities, Held-to-maturity, Maturity, Allocated and Single Maturity Date, after 10 Years, Amortized Cost	8,570	8,753
Debt Securities, Held-to-maturity, Maturity, Allocated and Single Maturity Date, after 10 Years, Fair Value	8,948	8,864
Debt Securities, Held-to-maturity	8,861	9,070
Debt Securities, Held-to-maturity, Fair Value	$ 9,255	$ 9,186

INVESTMENT SECURITIES AND OTH_5

INVESTMENT SECURITIES AND OTHER SECURITIES - Continuous Unrealized Loss Position (Details) - USD ($) $ in Millions	Dec. 31, 2020	Dec. 31, 2019
Investment securities and other securities disclosure [Line Items]
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months	$ 2,432	$ 3,323
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss	(22)	(21)
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer	490	2,041
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss	(12)	(30)
Debt Securities, Available-for-sale, Unrealized Loss Position	2,922	5,364
Debt Securities, Available-for-sale, Unrealized Loss Position, Accumulated Loss	(34)	(51)
Debt Securities, Held-to-maturity, Continuous Unrealized Loss Position, Less than 12 Months, Fair Value		678
Debt Securities, Held-to-maturity, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss		(1)
Debt Securities, Held-to-maturity, Continuous Unrealized Loss Position, 12 Months or Longer, Fair Value		112
Debt Securities, Held-to-maturity, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss		(2)
Debt Securities, Held-to-maturity, Unrealized Loss Position, Fair Value		790
Debt Securities, Held-to-maturity, Unrealized Loss Position, Accumulated Loss		(3)
Residential CMO
Investment securities and other securities disclosure [Line Items]
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months	302	1,206
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss	(5)	(10)
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer	0	519
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss	0	(8)
Debt Securities, Available-for-sale, Unrealized Loss Position	302	1,725
Debt Securities, Available-for-sale, Unrealized Loss Position, Accumulated Loss	(5)	(18)
Debt Securities, Held-to-maturity, Continuous Unrealized Loss Position, Less than 12 Months, Fair Value		218
Debt Securities, Held-to-maturity, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss		(1)
Debt Securities, Held-to-maturity, Continuous Unrealized Loss Position, 12 Months or Longer, Fair Value		112
Debt Securities, Held-to-maturity, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss		(2)
Debt Securities, Held-to-maturity, Unrealized Loss Position, Fair Value		330
Debt Securities, Held-to-maturity, Unrealized Loss Position, Accumulated Loss		(3)
Residential MBS
Investment securities and other securities disclosure [Line Items]
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months	1,633	1,169
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss	(5)	(3)
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer	0	9
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss	0	0
Debt Securities, Available-for-sale, Unrealized Loss Position	1,633	1,178
Debt Securities, Available-for-sale, Unrealized Loss Position, Accumulated Loss	(5)	(3)
Debt Securities, Held-to-maturity, Continuous Unrealized Loss Position, Less than 12 Months, Fair Value		317
Debt Securities, Held-to-maturity, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss		0
Debt Securities, Held-to-maturity, Continuous Unrealized Loss Position, 12 Months or Longer, Fair Value		0
Debt Securities, Held-to-maturity, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss		0
Debt Securities, Held-to-maturity, Unrealized Loss Position, Fair Value		317
Debt Securities, Held-to-maturity, Unrealized Loss Position, Accumulated Loss		0
Commercial MBS
Investment securities and other securities disclosure [Line Items]
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months	321	472
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss	(9)	(2)
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer	0	272
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss	0	(2)
Debt Securities, Available-for-sale, Unrealized Loss Position	321	744
Debt Securities, Available-for-sale, Unrealized Loss Position, Accumulated Loss	(9)	(4)
Debt Securities, Held-to-maturity, Continuous Unrealized Loss Position, Less than 12 Months, Fair Value		81
Debt Securities, Held-to-maturity, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss		0
Debt Securities, Held-to-maturity, Continuous Unrealized Loss Position, 12 Months or Longer, Fair Value		0
Debt Securities, Held-to-maturity, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss		0
Debt Securities, Held-to-maturity, Unrealized Loss Position, Fair Value		81
Debt Securities, Held-to-maturity, Unrealized Loss Position, Accumulated Loss		0
Other agencies
Investment securities and other securities disclosure [Line Items]
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months	0	86
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss	0	(1)
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer	0	0
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss	0	0
Debt Securities, Available-for-sale, Unrealized Loss Position	0	86
Debt Securities, Available-for-sale, Unrealized Loss Position, Accumulated Loss	0	(1)
Debt Securities, Held-to-maturity, Continuous Unrealized Loss Position, Less than 12 Months, Fair Value		58
Debt Securities, Held-to-maturity, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss		0
Debt Securities, Held-to-maturity, Continuous Unrealized Loss Position, 12 Months or Longer, Fair Value		0
Debt Securities, Held-to-maturity, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss		0
Debt Securities, Held-to-maturity, Unrealized Loss Position, Fair Value		58
Debt Securities, Held-to-maturity, Unrealized Loss Position, Accumulated Loss		0
Total U.S. Treasury, federal agency and other agency securities
Investment securities and other securities disclosure [Line Items]
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months	2,256	2,933
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss	(19)	(16)
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer	0	800
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss	0	(10)
Debt Securities, Available-for-sale, Unrealized Loss Position	2,256	3,733
Debt Securities, Available-for-sale, Unrealized Loss Position, Accumulated Loss	(19)	(26)
Debt Securities, Held-to-maturity, Continuous Unrealized Loss Position, Less than 12 Months, Fair Value		674
Debt Securities, Held-to-maturity, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss		(1)
Debt Securities, Held-to-maturity, Continuous Unrealized Loss Position, 12 Months or Longer, Fair Value		112
Debt Securities, Held-to-maturity, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss		(2)
Debt Securities, Held-to-maturity, Unrealized Loss Position, Fair Value		786
Debt Securities, Held-to-maturity, Unrealized Loss Position, Accumulated Loss		(3)
Municipal securities
Investment securities and other securities disclosure [Line Items]
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months	110	273
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss	(3)	(4)
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer	490	1,204
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss	(12)	(19)
Debt Securities, Available-for-sale, Unrealized Loss Position	600	1,477
Debt Securities, Available-for-sale, Unrealized Loss Position, Accumulated Loss	(15)	(23)
Debt Securities, Held-to-maturity, Continuous Unrealized Loss Position, Less than 12 Months, Fair Value		4
Debt Securities, Held-to-maturity, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss		0
Debt Securities, Held-to-maturity, Continuous Unrealized Loss Position, 12 Months or Longer, Fair Value		0
Debt Securities, Held-to-maturity, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss		0
Debt Securities, Held-to-maturity, Unrealized Loss Position, Fair Value		4
Debt Securities, Held-to-maturity, Unrealized Loss Position, Accumulated Loss		0
Asset-backed Securities [Member]
Investment securities and other securities disclosure [Line Items]
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months	15	116
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss	0	(1)
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer	0	37
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss	0	(1)
Debt Securities, Available-for-sale, Unrealized Loss Position	15	153
Debt Securities, Available-for-sale, Unrealized Loss Position, Accumulated Loss	0	(2)
Corporate debt
Investment securities and other securities disclosure [Line Items]
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months	51	1
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss	0	0
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer	0	0
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss	0	0
Debt Securities, Available-for-sale, Unrealized Loss Position	51	1
Debt Securities, Available-for-sale, Unrealized Loss Position, Accumulated Loss	$ 0	$ 0

INVESTMENT SECURITIES AND OTH_6

INVESTMENT SECURITIES AND OTHER SECURITIES - Narrative (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Investments, Debt and Equity Securities [Abstract]
Transfer of securities from held-to-maturity to available-for-sale	$ 2,842	$ 0	$ 2,707
Unrealized Net Gains Recognized In OCI At Time Of Transfer Of Available For Sale Securities Transferred To Held To Maturity Securities	21
Pledged Financial Instruments, Not Separately Reported, Securities for Other Debt Facilities	$ 14,400	$ 3,800

LOANS _ LEASES - Narrative (Det

LOANS / LEASES - Narrative (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans net premium	$ 491	$ 525
Residual Value of Leased Asset	93
Capital Leases, Future Minimum Payments Due, Fiscal Year Maturity [Abstract]
Future lease rental payments due	1,700
Future lease rental payments due, in 2016	600
Future lease rental payments due, in 2017	400
Future lease rental payments due, in 2018	300
Future lease rental payments due, in 2019	200
Future lease rental payments due, in 2020	100
Future lease rental payments due, after 2020	100
Direct Financing Lease, Interest Income	106	108	$ 100
Interest income under original terms for NAL loans	33	26	22
Interest income recorded for NAL loans	6	9	12
Interest income under original terms for TDR loans	46	52	51
Interest income recorded for TDR loans	43	49	$ 48
Financial effects of modification	6	(2)
Loans and Leases Receivable, Collateral for Secured Borrowings	$ 43,000	$ 39,600

LOANS _ LEASES - Loan and Lease

LOANS / LEASES - Loan and Lease Portfolio Composition (Details) - USD ($) $ in Millions	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans and leases	$ 81,608	$ 75,404
Allowance for loan and lease losses	(1,814)	(783)	$ (772)	$ (691)
Net loans and leases	79,794	74,621
Consumer
Accounts, Notes, Loans and Financing Receivable [Line Items]
Allowance for loan and lease losses	(578)	(231)	$ (230)	$ (209)
Commercial and industrial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans and leases	35,373	30,664
Commercial real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans and leases	7,199	6,674
Automobile
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans and leases	12,778	12,797
Automobile | Consumer
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans and leases		12,797
Home equity
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans and leases	8,894	9,093
Home equity | Consumer
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans and leases		9,092
Residential mortgage
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans and leases	12,141	11,376
RV and marine
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans and leases	4,190	3,563
RV and marine | Consumer
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans and leases		3,563
Other consumer
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans and leases	1,033	1,237
Other consumer | Consumer
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans and leases	$ 1,033	$ 1,237

LOANS _ LEASES - Net Investment

LOANS / LEASES - Net Investments in Lease Financing Receivables (Details) - Commercial and industrial - USD ($) $ in Millions	Dec. 31, 2020	Dec. 31, 2019
Accounts, Notes, Loans and Financing Receivable [Line Items]
Lease payments receivable	$ 1,737	$ 1,841
Estimated residual value of leased assets	664	728
Gross investment in commercial and industrial lease financing receivables	2,401	2,569
Deferred origination costs	21	19
Deferred fees	(200)	(249)
Total net investment in commercial and industrial lease financing receivables	$ 2,222	$ 2,339

LOANS _ LEASES - Nonaccrual Loa

LOANS / LEASES - Nonaccrual Loans by Loan Class (Details) - USD ($) $ in Millions	Dec. 31, 2020	Dec. 31, 2019
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonaccrual loans with no ACL	$ 77	$ 111
Total nonaccrual loans	532	468
Commercial and industrial | Commercial and industrial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonaccrual loans with no ACL	69	109
Total nonaccrual loans	353	323
Commercial and industrial | Commercial real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonaccrual loans with no ACL	8	2
Total nonaccrual loans	15	10
Consumer | Automobile
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonaccrual loans with no ACL	0	0
Total nonaccrual loans	4	4
Consumer | Home equity
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonaccrual loans with no ACL	0	0
Total nonaccrual loans	70	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	2	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 _ LEASES - NALs Past Due

LOANS / LEASES - NALs Past Due (Details) - USD ($) $ in Millions	Dec. 31, 2020	Dec. 31, 2019
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, past due	$ 819	$ 788
Loans and leases, current	80,695	74,535
Loans Accounted for Under FVO	94	81
Total Loans and leases	81,608	75,404
90 or more days past due and accruing	171	171
30-59 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, past due	319	342
60-89 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, past due	121	129
90 or more days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, past due	379	317
Commercial and industrial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, current	35,180	30,499
Loans Accounted for Under FVO	0	0
Total Loans and leases	35,373	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]
Loans and leases, past due	60	65
Commercial and industrial | 60-89 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, past due	38	31
Commercial and industrial | 90 or more days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, past due	95	69
Commercial real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, current	7,187	6,663
Loans Accounted for Under FVO	0	0
Total Loans and leases	7,199	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]
Loans and leases, past due	0	3
Commercial real estate | 60-89 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, past due	1	1
Commercial real estate | 90 or more days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, past due	11	7
Automobile
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, current	12,660	12,672
Loans Accounted for Under FVO	0	0
Total Loans and leases	12,778	12,797
90 or more days past due and accruing	9	8
Automobile | 30-59 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, past due	84	95
Automobile | 60-89 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, past due	22	19
Automobile | 90 or more days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, past due	12	11
Home equity
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, current	8,782	8,972
Loans Accounted for Under FVO	1	1
Total Loans and leases	8,894	9,093
90 or more days past due and accruing	14	14
Home equity | 30-59 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, past due	35	50
Home equity | 60-89 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, past due	15	19
Home equity | 90 or more days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, past due	61	51
Residential mortgage
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, current	11,702	10,974
Loans Accounted for Under FVO	93	80
Total Loans and leases	12,141	11,376
90 or more days past due and accruing	132	129
Residential mortgage | 30-59 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, past due	114	103
Residential mortgage | 60-89 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, past due	38	49
Residential mortgage | 90 or more days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, past due	194	170
RV and marine
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, current	4,167	3,544
Loans Accounted for Under FVO	0	0
Total Loans and leases	4,190	3,563
90 or more days past due and accruing	3	2
RV and marine | 30-59 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, past due	17	13
RV and marine | 60-89 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, past due	3	4
RV and marine | 90 or more days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, past due	3	2
Other consumer
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, current	1,017	1,211
Loans Accounted for Under FVO	0	0
Total Loans and leases	1,033	1,237
90 or more days past due and accruing	3	7
Other consumer | 30-59 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, past due	9	13
Other consumer | 60-89 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, past due	4	6
Other consumer | 90 or more days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, past due	3	7
Commercial and industrial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans and leases		30,664
Commercial and industrial | Commercial and industrial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, past due	193	165
Commercial and industrial | Commercial real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, past due	12	11
Consumer | Automobile
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, past due	118	125
Total Loans and leases		12,797
Consumer | Home equity
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, past due	111	120
Total Loans and leases		9,092
Consumer | Residential mortgage
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, past due	346	322
Consumer | RV and marine
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, past due	23	19
Total Loans and leases		3,563
Consumer | Other consumer
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, past due	16	26
Total Loans and leases	$ 1,033	$ 1,237

LOANS _ LEASES - Allowance for

LOANS / LEASES - Allowance for Credit Losses (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018	Jan. 01, 2020
Financing Receivable, Allowance for Credit Loss [Roll Forward]
ALLL balance beginning of period	$ 783	$ 772	$ 691
Financing Receivable, Allowance for Credit Loss, Writeoff	(540)	(362)	(268)
Allowance for Loan and Lease Loss, Recovery of Bad Debts	91	97	123
Provision For (Reduction In Allowance) Loan and Lease Losses.	(1,089)	(277)	(226)
Allowance For Loans Sold Or Transferred To Loans Held For Sale		1
ALLL balance end of period	1,814	783	772
AULC balance beginning of period	104	96	87
Provision For (Reduction In Allowance) Unfunded Loan Commitments and Letters of Credit.	41	(10)	9
AULC balance end of period	52	104	96
ACL balance end of period	1,866	887	868	$ 887
Additions to Unfunded Loan Commitments and Letters of Credit Allowance	(13)
Commercial and industrial
Financing Receivable, Allowance for Credit Loss [Roll Forward]
ALLL balance beginning of period	552	542	482
Financing Receivable, Allowance for Credit Loss, Writeoff	(374)	(165)	(79)
Allowance for Loan and Lease Loss, Recovery of Bad Debts	32	40	65
Provision For (Reduction In Allowance) Loan and Lease Losses.	(846)	(135)	(74)
Allowance For Loans Sold Or Transferred To Loans Held For Sale		0
ALLL balance end of period	1,236	552	542
AULC balance beginning of period	102	94	84
Provision For (Reduction In Allowance) Unfunded Loan Commitments and Letters of Credit.	17	(10)	10
AULC balance end of period	34	102	94
ACL balance end of period	1,270	654	636
Additions to Unfunded Loan Commitments and Letters of Credit Allowance	(13)
Consumer
Financing Receivable, Allowance for Credit Loss [Roll Forward]
ALLL balance beginning of period	231	230	209
Financing Receivable, Allowance for Credit Loss, Writeoff	(166)	(197)	(189)
Allowance for Loan and Lease Loss, Recovery of Bad Debts	59	57	58
Provision For (Reduction In Allowance) Loan and Lease Losses.	(243)	(142)	(152)
Allowance For Loans Sold Or Transferred To Loans Held For Sale		1
ALLL balance end of period	578	231	230
AULC balance beginning of period	2	2	3
Provision For (Reduction In Allowance) Unfunded Loan Commitments and Letters of Credit.	24	0	(1)
AULC balance end of period	18	2	2
ACL balance end of period	596	$ 233	$ 232
Additions to Unfunded Loan Commitments and Letters of Credit Allowance	$ 0

LOANS _ LEASES - Vintage Credit

LOANS / LEASES - Vintage Credit Quality (Details) $ in Millions	Dec. 31, 2020USD ($)
Commercial and industrial
Financing Receivable, Credit Quality Indicator [Line Items]
2020	$ 14,376
2019	4,785
2018	3,016
2017	1,601
2016	1,053
Prior	1,098
Revolver Total at Amortized Cost Basis	9,442
Revolver Total Converted to Term Loans	2
Total	35,373
Interest Receivable	146
Commercial and industrial | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
2020	13,757
2019	4,525
2018	2,758
2017	1,347
2016	974
Prior	916
Revolver Total at Amortized Cost Basis	8,894
Revolver Total Converted to Term Loans	2
Total	33,173
Commercial and industrial | OLEM
Financing Receivable, Credit Quality Indicator [Line Items]
2020	421
2019	116
2018	69
2017	30
2016	33
Prior	22
Revolver Total at Amortized Cost Basis	124
Revolver Total Converted to Term Loans	0
Total	815
Commercial and industrial | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
2020	196
2019	144
2018	188
2017	224
2016	46
Prior	159
Revolver Total at Amortized Cost Basis	423
Revolver Total Converted to Term Loans	0
Total	1,380
Commercial and industrial | Doubtful
Financing Receivable, Credit Quality Indicator [Line Items]
2020	2
2019	0
2018	1
2017	0
2016	0
Prior	1
Revolver Total at Amortized Cost Basis	1
Revolver Total Converted to Term Loans	0
Total	5
Commercial real estate
Financing Receivable, Credit Quality Indicator [Line Items]
2020	1,863
2019	1,734
2018	1,195
2017	573
2016	593
Prior	568
Revolver Total at Amortized Cost Basis	673
Revolver Total Converted to Term Loans	0
Total	7,199
Commercial real estate | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
2020	1,742
2019	1,610
2018	1,122
2017	507
2016	507
Prior	539
Revolver Total at Amortized Cost Basis	633
Revolver Total Converted to Term Loans	0
Total	6,660
Commercial real estate | OLEM
Financing Receivable, Credit Quality Indicator [Line Items]
2020	94
2019	78
2018	63
2017	37
2016	28
Prior	14
Revolver Total at Amortized Cost Basis	4
Revolver Total Converted to Term Loans	0
Total	318
Commercial real estate | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
2020	27
2019	46
2018	10
2017	29
2016	58
Prior	14
Revolver Total at Amortized Cost Basis	36
Revolver Total Converted to Term Loans	0
Total	220
Commercial real estate | Doubtful
Financing Receivable, Credit Quality Indicator [Line Items]
2020	0
2019	0
2018	0
2017	0
2016	0
Prior	1
Revolver Total at Amortized Cost Basis	0
Revolver Total Converted to Term Loans	0
Total	1
Consumer
Financing Receivable, Credit Quality Indicator [Line Items]
Interest Receivable	123
Consumer | Automobile
Financing Receivable, Credit Quality Indicator [Line Items]
2020	4,947
2019	3,657
2018	2,143
2017	1,285
2016	576
Prior	170
Revolver Total at Amortized Cost Basis	0
Revolver Total Converted to Term Loans	0
Total	12,778
Consumer | Automobile | 750+
Financing Receivable, Credit Quality Indicator [Line Items]
2020	2,670
2019	2,013
2018	1,144
2017	742
2016	317
Prior	81
Revolver Total at Amortized Cost Basis	0
Revolver Total Converted to Term Loans	0
Total	6,967
Consumer | Automobile | 650-749
Financing Receivable, Credit Quality Indicator [Line Items]
2020	1,965
2019	1,343
2018	755
2017	386
2016	175
Prior	52
Revolver Total at Amortized Cost Basis	0
Revolver Total Converted to Term Loans	0
Total	4,676
Consumer | Automobile | 650
Financing Receivable, Credit Quality Indicator [Line Items]
2020	312
2019	301
2018	244
2017	157
2016	84
Prior	37
Revolver Total at Amortized Cost Basis	0
Revolver Total Converted to Term Loans	0
Total	1,135
Consumer | Home equity
Financing Receivable, Credit Quality Indicator [Line Items]
2020	941
2019	36
2018	35
2017	44
2016	122
Prior	678
Revolver Total at Amortized Cost Basis	6,565
Revolver Total Converted to Term Loans	472
Total	8,893
Consumer | Home equity | 750+
Financing Receivable, Credit Quality Indicator [Line Items]
2020	793
2019	26
2018	26
2017	32
2016	89
Prior	451
Revolver Total at Amortized Cost Basis	4,373
Revolver Total Converted to Term Loans	192
Total	5,982
Consumer | Home equity | 650-749
Financing Receivable, Credit Quality Indicator [Line Items]
2020	147
2019	9
2018	8
2017	11
2016	27
Prior	157
Revolver Total at Amortized Cost Basis	1,906
Revolver Total Converted to Term Loans	181
Total	2,446
Consumer | Home equity | 650
Financing Receivable, Credit Quality Indicator [Line Items]
2020	1
2019	1
2018	1
2017	1
2016	6
Prior	70
Revolver Total at Amortized Cost Basis	286
Revolver Total Converted to Term Loans	99
Total	465
Consumer | Residential mortgage
Financing Receivable, Credit Quality Indicator [Line Items]
2020	4,294
2019	1,894
2018	1,309
2017	1,450
2016	1,014
Prior	2,086
Revolver Total at Amortized Cost Basis	1
Revolver Total Converted to Term Loans	0
Total	12,048
Consumer | Residential mortgage | 750+
Financing Receivable, Credit Quality Indicator [Line Items]
2020	3,269
2019	1,370
2018	891
2017	1,064
2016	762
Prior	1,243
Revolver Total at Amortized Cost Basis	1
Revolver Total Converted to Term Loans	0
Total	8,600
Consumer | Residential mortgage | 650-749
Financing Receivable, Credit Quality Indicator [Line Items]
2020	991
2019	435
2018	307
2017	278
2016	171
Prior	495
Revolver Total at Amortized Cost Basis	0
Revolver Total Converted to Term Loans	0
Total	2,677
Consumer | Residential mortgage | 650
Financing Receivable, Credit Quality Indicator [Line Items]
2020	34
2019	89
2018	111
2017	108
2016	81
Prior	348
Revolver Total at Amortized Cost Basis	0
Revolver Total Converted to Term Loans	0
Total	771
Consumer | RV and marine
Financing Receivable, Credit Quality Indicator [Line Items]
2020	1,488
2019	755
2018	811
2017	495
2016	229
Prior	412
Revolver Total at Amortized Cost Basis	0
Revolver Total Converted to Term Loans	0
Total	4,190
Consumer | RV and marine | 750+
Financing Receivable, Credit Quality Indicator [Line Items]
2020	1,136
2019	525
2018	589
2017	337
2016	153
Prior	254
Revolver Total at Amortized Cost Basis	0
Revolver Total Converted to Term Loans	0
Total	2,994
Consumer | RV and marine | 650-749
Financing Receivable, Credit Quality Indicator [Line Items]
2020	348
2019	215
2018	201
2017	136
2016	64
Prior	129
Revolver Total at Amortized Cost Basis	0
Revolver Total Converted to Term Loans	0
Total	1,093
Consumer | RV and marine | 650
Financing Receivable, Credit Quality Indicator [Line Items]
2020	4
2019	15
2018	21
2017	22
2016	12
Prior	29
Revolver Total at Amortized Cost Basis	0
Revolver Total Converted to Term Loans	0
Total	103
Consumer | Other consumer
Financing Receivable, Credit Quality Indicator [Line Items]
2020	107
2019	122
2018	46
2017	14
2016	6
Prior	18
Revolver Total at Amortized Cost Basis	660
Revolver Total Converted to Term Loans	60
Total	1,033
Consumer | Other consumer | 750+
Financing Receivable, Credit Quality Indicator [Line Items]
2020	69
2019	58
2018	26
2017	8
2016	4
Prior	14
Revolver Total at Amortized Cost Basis	340
Revolver Total Converted to Term Loans	2
Total	521
Consumer | Other consumer | 650-749
Financing Receivable, Credit Quality Indicator [Line Items]
2020	36
2019	56
2018	17
2017	5
2016	2
Prior	3
Revolver Total at Amortized Cost Basis	294
Revolver Total Converted to Term Loans	30
Total	443
Consumer | Other consumer | 650
Financing Receivable, Credit Quality Indicator [Line Items]
2020	2
2019	8
2018	3
2017	1
2016	0
Prior	1
Revolver Total at Amortized Cost Basis	26
Revolver Total Converted to Term Loans	28
Total	$ 69

LOANS _ LEASES - Credit Quality

LOANS / LEASES - Credit Quality Indicators (Details) - USD ($) $ in Millions	Dec. 31, 2020	Dec. 31, 2019
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans and leases	$ 81,608	$ 75,404
Commercial and industrial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans and leases		30,664
Commercial and industrial | Pass
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans and leases		28,477
Commercial and industrial | OLEM
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans and leases		634
Commercial and industrial | Substandard
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans and leases		1,551
Commercial and industrial | Doubtful
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans and leases		2
Commercial real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans and leases		6,674
Commercial real estate | Pass
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans and leases		6,487
Commercial real estate | OLEM
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans and leases		98
Commercial real estate | Substandard
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans and leases		88
Commercial real estate | Doubtful
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans and leases		1
Automobile
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans and leases	12,778	12,797
Automobile | Consumer
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans and leases		12,797
Automobile | Consumer | 750+
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans and leases		6,759
Automobile | Consumer | 650-749
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans and leases		4,661
Automobile | Consumer | 650
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans and leases		1,377
Home equity
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans and leases	8,894	9,093
Home equity | Consumer
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans and leases		9,092
Home equity | Consumer | 750+
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans and leases		5,763
Home equity | Consumer | 650-749
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans and leases		2,772
Home equity | Consumer | 650
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans and leases		557
Residential mortgage | Consumer
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans and leases		11,296
Residential mortgage | Consumer | 750+
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans and leases		7,976
Residential mortgage | Consumer | 650-749
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans and leases		2,742
Residential mortgage | Consumer | 650
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans and leases		578
RV and marine
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans and leases	$ 4,190	3,563
RV and marine | Consumer
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans and leases		3,563
RV and marine | Consumer | 750+
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans and leases		2,391
RV and marine | Consumer | 650-749
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans and leases		1,053
RV and marine | Consumer | 650
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans and leases		119
Other consumer | Consumer
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans and leases		1,237
Other consumer | Consumer | 750+
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans and leases		546
Other consumer | Consumer | 650-749
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans and leases		571
Other consumer | Consumer | 650
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans and leases		$ 120

LOANS _ LEASES - TDRs (Details)

LOANS / LEASES - TDRs (Details) $ in Millions	12 Months Ended
	Dec. 31, 2020USD ($)contract	Dec. 31, 2019USD ($)contract
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of Contracts | contract	4,996	5,229
Post-modification Outstanding Recorded Investment	$ 330	$ 283
Interest rate reduction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Post-modification Outstanding Recorded Investment	3	8
Amortization or maturity date change
Accounts, Notes, Loans and Financing Receivable [Line Items]
Post-modification Outstanding Recorded Investment	244	249
Chapter 7 bankruptcy
Accounts, Notes, Loans and Financing Receivable [Line Items]
Post-modification Outstanding Recorded Investment	22	19
Other
Accounts, Notes, Loans and Financing Receivable [Line Items]
Post-modification Outstanding Recorded Investment	$ 61	$ 7
Commercial and industrial | Commercial and industrial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of Contracts | contract	317	482
Post-modification Outstanding Recorded Investment	$ 181	$ 179
Commercial and industrial | Commercial and industrial | Interest rate reduction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Post-modification Outstanding Recorded Investment	0	0
Commercial and industrial | Commercial and industrial | Amortization or maturity date change
Accounts, Notes, Loans and Financing Receivable [Line Items]
Post-modification Outstanding Recorded Investment	123	172
Commercial and industrial | Commercial and industrial | Chapter 7 bankruptcy
Accounts, Notes, Loans and Financing Receivable [Line Items]
Post-modification Outstanding Recorded Investment	0	0
Commercial and industrial | Commercial and industrial | Other
Accounts, Notes, Loans and Financing Receivable [Line Items]
Post-modification Outstanding Recorded Investment	$ 58	$ 7
Commercial and industrial | Commercial real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of Contracts | contract	13	29
Post-modification Outstanding Recorded Investment	$ 3	$ 13
Commercial and industrial | Commercial real estate | Interest rate reduction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Post-modification Outstanding Recorded Investment	0	0
Commercial and industrial | Commercial real estate | Amortization or maturity date change
Accounts, Notes, Loans and Financing Receivable [Line Items]
Post-modification Outstanding Recorded Investment	3	13
Commercial and industrial | Commercial real estate | Chapter 7 bankruptcy
Accounts, Notes, Loans and Financing Receivable [Line Items]
Post-modification Outstanding Recorded Investment	0	0
Commercial and industrial | Commercial real estate | Other
Accounts, Notes, Loans and Financing Receivable [Line Items]
Post-modification Outstanding Recorded Investment	$ 0	$ 0
Consumer | Automobile
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of Contracts | contract	3,018	2,971
Post-modification Outstanding Recorded Investment	$ 35	$ 26
Consumer | Automobile | Interest rate reduction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Post-modification Outstanding Recorded Investment	0	0
Consumer | Automobile | Amortization or maturity date change
Accounts, Notes, Loans and Financing Receivable [Line Items]
Post-modification Outstanding Recorded Investment	29	19
Consumer | Automobile | Chapter 7 bankruptcy
Accounts, Notes, Loans and Financing Receivable [Line Items]
Post-modification Outstanding Recorded Investment	6	7
Consumer | Automobile | Other
Accounts, Notes, Loans and Financing Receivable [Line Items]
Post-modification Outstanding Recorded Investment	$ 0	$ 0
Consumer | Home equity
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of Contracts | contract	273	306
Post-modification Outstanding Recorded Investment	$ 16	$ 17
Consumer | Home equity | Interest rate reduction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Post-modification Outstanding Recorded Investment	0	0
Consumer | Home equity | Amortization or maturity date change
Accounts, Notes, Loans and Financing Receivable [Line Items]
Post-modification Outstanding Recorded Investment	6	9
Consumer | Home equity | Chapter 7 bankruptcy
Accounts, Notes, Loans and Financing Receivable [Line Items]
Post-modification Outstanding Recorded Investment	8	8
Consumer | Home equity | Other
Accounts, Notes, Loans and Financing Receivable [Line Items]
Post-modification Outstanding Recorded Investment	$ 2	$ 0
Consumer | Residential mortgage
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of Contracts | contract	585	330
Post-modification Outstanding Recorded Investment	$ 86	$ 37
Consumer | Residential mortgage | Interest rate reduction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Post-modification Outstanding Recorded Investment	0	0
Consumer | Residential mortgage | Amortization or maturity date change
Accounts, Notes, Loans and Financing Receivable [Line Items]
Post-modification Outstanding Recorded Investment	79	35
Consumer | Residential mortgage | Chapter 7 bankruptcy
Accounts, Notes, Loans and Financing Receivable [Line Items]
Post-modification Outstanding Recorded Investment	7	2
Consumer | Residential mortgage | Other
Accounts, Notes, Loans and Financing Receivable [Line Items]
Post-modification Outstanding Recorded Investment	$ 0	$ 0
Consumer | RV and marine
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of Contracts | contract	168	139
Post-modification Outstanding Recorded Investment	$ 5	$ 3
Consumer | RV and marine | Interest rate reduction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Post-modification Outstanding Recorded Investment	0	0
Consumer | RV and marine | Amortization or maturity date change
Accounts, Notes, Loans and Financing Receivable [Line Items]
Post-modification Outstanding Recorded Investment	4	1
Consumer | RV and marine | Chapter 7 bankruptcy
Accounts, Notes, Loans and Financing Receivable [Line Items]
Post-modification Outstanding Recorded Investment	1	2
Consumer | RV and marine | Other
Accounts, Notes, Loans and Financing Receivable [Line Items]
Post-modification Outstanding Recorded Investment	$ 0	$ 0
Consumer | Other consumer
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of Contracts | contract	622	972
Post-modification Outstanding Recorded Investment	$ 4	$ 8
Consumer | Other consumer | Interest rate reduction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Post-modification Outstanding Recorded Investment	3	8
Consumer | Other consumer | Amortization or maturity date change
Accounts, Notes, Loans and Financing Receivable [Line Items]
Post-modification Outstanding Recorded Investment	0	0
Consumer | Other consumer | Chapter 7 bankruptcy
Accounts, Notes, Loans and Financing Receivable [Line Items]
Post-modification Outstanding Recorded Investment	0	0
Consumer | Other consumer | Other
Accounts, Notes, Loans and Financing Receivable [Line Items]
Post-modification Outstanding Recorded Investment	$ 1	$ 0

ALLOWANCE FOR CREDIT LOSSES - A

ALLOWANCE FOR CREDIT LOSSES - Allowance for Credit Losses (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018	Jan. 01, 2020	Dec. 31, 2017
Accounts, Notes, Loans and Financing Receivable [Line Items]
Shareholders’ equity	$ (12,993)	$ (11,795)	$ (11,102)		$ (10,814)
Financing Receivable, Allowance for Credit Loss [Roll Forward]
ALLL balance beginning of period	783	772	691
Financing Receivable, Allowance for Credit Loss, Writeoff	(540)	(362)	(268)
Allowance for Loan and Lease Loss, Recovery of Bad Debts	91	97	123
Provision For (Reduction In Allowance) Loan and Lease Losses.	1,089	277	226
Allowance For Loans Sold Or Transferred To Loans Held For Sale		(1)
Provision (reduction in allowance) for unfunded loan commitments and letters of credit	(41)	10	(9)
Additions to Unfunded Loan Commitments and Letters of Credit Allowance	(13)
Additions to Unfunded Loan Commitments and Letters of Credit Allowance		(2)
AULC Balance	52	104	96		87
Acl Balance End Of Period	1,866	887	868	$ 887
Allowance for credit loss, change since adoption	979
ALLL balance end of period	1,814	$ 783	772
Provision increase related to COVID-10 pandemic and other	586
Increase (decrease) in Net Charge-offs	$ 184
Increase (decrease) in Net Charge-offs, percent	69.00%
Assumed Unemployment Rate		7.20%		3.75%
Retained Earnings
Accounts, Notes, Loans and Financing Receivable [Line Items]
Shareholders’ equity	$ (1,878)	$ (2,088)	(1,361)		(588)
ASU 2016-13
Financing Receivable, Allowance for Credit Loss [Roll Forward]
ALLL balance beginning of period	391
ALLL balance end of period		391
ASU 2016-13 | Retained Earnings
Accounts, Notes, Loans and Financing Receivable [Line Items]
Shareholders’ equity				$ (306)
Cumulative Effect Of New Accounting Principle In Period Of Adoption Deferred Taxes				87
Commercial
Financing Receivable, Allowance for Credit Loss [Roll Forward]
ALLL balance beginning of period	552	542	482
Financing Receivable, Allowance for Credit Loss, Writeoff	(374)	(165)	(79)
Allowance for Loan and Lease Loss, Recovery of Bad Debts	32	40	65
Provision For (Reduction In Allowance) Loan and Lease Losses.	846	135	74
Allowance For Loans Sold Or Transferred To Loans Held For Sale		0
Provision (reduction in allowance) for unfunded loan commitments and letters of credit	(17)	10	(10)
Additions to Unfunded Loan Commitments and Letters of Credit Allowance	(13)
Additions to Unfunded Loan Commitments and Letters of Credit Allowance		(2)
AULC Balance	34	102	94		84
Acl Balance End Of Period	1,270	654	636
ALLL balance end of period	1,236	552	542
Commercial | ASU 2016-13
Financing Receivable, Allowance for Credit Loss [Roll Forward]
ALLL balance beginning of period	180
ALLL balance end of period		180
Consumer
Financing Receivable, Allowance for Credit Loss [Roll Forward]
ALLL balance beginning of period	231	230	209
Financing Receivable, Allowance for Credit Loss, Writeoff	(166)	(197)	(189)
Allowance for Loan and Lease Loss, Recovery of Bad Debts	59	57	58
Provision For (Reduction In Allowance) Loan and Lease Losses.	243	142	152
Allowance For Loans Sold Or Transferred To Loans Held For Sale		(1)
Provision (reduction in allowance) for unfunded loan commitments and letters of credit	(24)	0	1
Additions to Unfunded Loan Commitments and Letters of Credit Allowance	0
Additions to Unfunded Loan Commitments and Letters of Credit Allowance		0
AULC Balance	18	2	2		3
Acl Balance End Of Period	596	233	232
ALLL balance end of period	578	231	$ 230
Consumer | ASU 2016-13
Financing Receivable, Allowance for Credit Loss [Roll Forward]
ALLL balance beginning of period	$ 211
ALLL balance end of period		211
Cumulative Effect, Period of Adoption, Adjustment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivable Allowance For Credit Loss Including Off Balance Sheet Credit Loss Liability				(393)
Shareholders’ equity		306			0
Financing Receivable Allowance For Credit Loss Off Balance Sheet Credit Loss Liability				(2)
Cumulative Effect, Period of Adoption, Adjustment | Retained Earnings
Accounts, Notes, Loans and Financing Receivable [Line Items]
Shareholders’ equity		306			$ (1)
Cumulative Effect, Period of Adoption, Adjustment | ASU 2016-13
Financing Receivable, Allowance for Credit Loss [Roll Forward]
AULC Balance		2
Cumulative Effect, Period of Adoption, Adjustment | Commercial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivable Allowance For Credit Loss Including Off Balance Sheet Credit Loss Liability				(393)
Cumulative Effect, Period of Adoption, Adjustment | Commercial | ASU 2016-13
Financing Receivable, Allowance for Credit Loss [Roll Forward]
AULC Balance		(38)
Cumulative Effect, Period of Adoption, Adjustment | Consumer | ASU 2016-13
Financing Receivable, Allowance for Credit Loss [Roll Forward]
AULC Balance		$ 40
Cumulative Effect Period Of Adoption Adjustment Member [Member] | Commercial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivable Allowance For Credit Loss Including Off Balance Sheet Credit Loss Liability				180
Cumulative Effect Period Of Adoption Adjustment Member [Member] | Consumer
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivable Allowance For Credit Loss Including Off Balance Sheet Credit Loss Liability				$ 211

MORTGAGE LOAN SALES AND SERVI_3

MORTGAGE LOAN SALES AND SERVICING RIGHTS - Narrative (Details) - Residential mortgage - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Contractually Specified Servicing Fees, Late Fees, and Ancillary Fees Earned in Exchange for Servicing Financial Assets [Line Items]
Servicing, late and other ancillary fees included in mortgage banking income	$ 64	$ 63	$ 60
Unpaid principal balance of third party serviced loans	$ 23,500	$ 22,400	$ 21,000

MORTGAGE LOAN SALES AND SERVI_4

MORTGAGE LOAN SALES AND SERVICING RIGHTS - Residential Mortgage Portfolio (Details) - Residential mortgage - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Securitization or Asset-backed Financing Arrangement, Financial Asset for which Transfer is Accounted as Sale [Line Items]
Residential mortgage loans sold with servicing retained	$ 8,436	$ 4,841	$ 3,846
Pretax gains resulting from above loan sales	$ 311	$ 119	$ 87

LOAN SALES AND SECURITIZATIONS

LOAN SALES AND SECURITIZATIONS - Residential Mortgage Portfolio, MSRs Fair Value Method (Details) - Residential mortgage - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019
Servicing Asset at Fair Value, Amount [Roll Forward]
Fair value, beginning of year	$ 7	$ 10
Servicing Asset at Fair Value, Additions	102	0
Time decay	(9)	(1)
Servicing Asset At Fair Value Payoffs	(43)	(1)
Servicing Asset at Fair Value, Changes in Fair Value Resulting from Changes in Valuation Inputs or Changes in Assumptions	(52)	(1)
Fair value, end of year	210	7
Revision of Prior Period, Adjustment
Servicing Asset at Fair Value, Amount [Roll Forward]
Fair value, beginning of year	0
Fair value, end of year	$ 205	$ 0
Sensitivity Analysis Fair Value Carrying Method
Servicing Asset at Fair Value, Amount [Roll Forward]
Assumption for Fair Value of Assets or Liabilities that relate to Transferor's Continuing Involvement, Weighted Average Life	7 years 7 months 6 days	6 years 4 months 24 days

LOAN SALES AND SECURITIZATION_2

LOAN SALES AND SECURITIZATIONS - Residential Mortgage Portfolio, MSRs Fair Value Method Assumptions (Details) - Residential mortgage - Sensitivity Analysis Fair Value Carrying Method - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019
Sensitivity Analysis of Fair Value of Interests Continued to be Held by Transferor, Servicing Assets or Liabilities, Impact of Adverse Change in Assumption [Line Items]
Constant prepayment rate (annualized)	17.36%	8.21%
Constant prepayment rate (annualized), Decline in fair value due to 10% adverse change	$ (12)	$ 0
Constant prepayment rate (annualized), Decline in fair value due to 20% adverse change	$ (23)	$ 0
Spread over forward interest rate swap rates	5.19%	8.24%
Spread over forward interest rate swap rates, Decline in fair value due to 10% adverse change	$ (4)	$ 0
Spread over forward interest rate swap rates, Decline in fair value due to 20% adverse change	$ (8)	$ 0

GOODWILL AND OTHER INTANGIBLE_3

GOODWILL AND OTHER INTANGIBLE ASSETS - Schedule of Goodwill (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019
Goodwill by business segment
Beginning Balance	$ 1,990	$ 1,989
Goodwill acquired during the period	0	0
Adjustments	0	(1)
Ending Balance	1,990	1,990
Operating Segments | Consumer & Business Banking
Goodwill by business segment
Beginning Balance	1,393	1,393
Goodwill acquired during the period	0	0
Adjustments	0	0
Ending Balance	1,393	1,393
Operating Segments | Commercial Banking
Goodwill by business segment
Beginning Balance	427	426
Goodwill acquired during the period	0	0
Adjustments	0	1
Ending Balance	427	427
Operating Segments | Vehicle Finance
Goodwill by business segment
Beginning Balance	0	0
Goodwill acquired during the period	0	0
Adjustments	0	0
Ending Balance	0	0
Operating Segments | RBHPCG
Goodwill by business segment
Beginning Balance	170	170
Goodwill acquired during the period	0	0
Adjustments	0	0
Ending Balance	170	170
Treasury / Other
Goodwill by business segment
Beginning Balance	0	0
Goodwill acquired during the period	0	0
Adjustments	0	0
Ending Balance	$ 0	$ 0

GOODWILL AND OTHER INTANGIBLE_4

GOODWILL AND OTHER INTANGIBLE ASSETS - Schedule of Other Intangible Assets (Details) - USD ($) $ in Millions	Dec. 31, 2020	Dec. 31, 2019
Finite-Lived Intangible Assets [Line Items]
Total other intangible assets, gross carrying amount	$ 411	$ 425
Total other intangible assets, accumulated amortization	(220)	(193)
Total other intangible assets, net of carrying value	191	232
Core deposit intangible
Finite-Lived Intangible Assets [Line Items]
Total other intangible assets, gross carrying amount	310	310
Total other intangible assets, accumulated amortization	(150)	(120)
Total other intangible assets, net of carrying value	160	190
Customer relationship
Finite-Lived Intangible Assets [Line Items]
Total other intangible assets, gross carrying amount	101	115
Total other intangible assets, accumulated amortization	(70)	(73)
Total other intangible assets, net of carrying value	$ 31	$ 42

GOODWILL AND OTHER INTANGIBLE_5

GOODWILL AND OTHER INTANGIBLE ASSETS - Future Amortization of Intangible Assets (Details) $ in Millions	Dec. 31, 2020USD ($)
Goodwill and Intangible Assets Disclosure [Abstract]
2021	$ 38
2022	36
2023	34
2024	32
2025	$ 31

GOODWILL AND OTHER INTANGIBLE_6

GOODWILL AND OTHER INTANGIBLE ASSETS - Narrative (Details) $ in Millions	3 Months Ended	12 Months Ended
	Dec. 31, 2020numberOfSegments	Dec. 31, 2020USD ($)numberOfSegments
Business Combinations [Abstract]
Number of Reportable Segments | numberOfSegments	4	4
Impairment of goodwill | $		$ 0

OPERATING LEASES Net Operating

OPERATING LEASES Net Operating Lease Assets and Liabilities (Details) - USD ($) $ in Millions	Dec. 31, 2020	Dec. 31, 2019
Net Operating Lease Assets and Liabilities [Abstract]
Operating Lease, Right-of-Use Asset, Statement of Financial Position [Extensible List]	us-gaap:OtherAssets	us-gaap:OtherAssets
Operating Lease, Right-of-Use Asset	$ 199	$ 210
Operating Lease, Liability, Statement of Financial Position [Extensible List]	us-gaap:OtherLiabilities	us-gaap:OtherLiabilities
Total lease liabilities	$ 220	$ 233

OPERATING LEASES Lease Cost (De

OPERATING LEASES Lease Cost (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019
Lease, Cost [Abstract]
Operating lease cost	$ 50	$ 47
Short-term lease cost	1	1
Sublease income	(2)	(3)
Net lease cost	$ 49	$ 45

OPERATING LEASES Maturity of Le

OPERATING LEASES Maturity of Lease Liabilities (Details) - USD ($) $ in Millions	Dec. 31, 2020	Dec. 31, 2019
Net Operating Lease Assets and Liabilities [Abstract]
2021	$ 43
2022	42
2023	37
2024	32
2025	26
Thereafter	77
Total lease payments	257
Less: Interest	37
Total lease liabilities	$ 220	$ 233

OPERATING LEASES Lease Cost and

OPERATING LEASES Lease Cost and Discount Rate (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019
Net Operating Lease Assets and Liabilities [Abstract]
Cash paid for amounts included in the measurement of lease liabilities for Operating cash flows	$ (53)	$ (54)
Right-of-use assets obtained in exchange for lease obligations for Operating leases	$ 23	$ 40
Weighted-average remaining lease term (years) for Operating leases	7 years 2 months 1 day	7 years 3 months 21 days
Weighted-average discount rate for Operating leases	4.26%	4.56%

PREMISES AND EQUIPMENT (Details

PREMISES AND EQUIPMENT (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Property, Plant and Equipment, Net, by Type [Abstract]
Premises and equipment, gross	$ 1,723	$ 1,723
Less accumulated depreciation and amortization	(966)	(960)
Net premises and equipment	757	763
Property Plant and Equipment Income Statement Disclosures [Abstract]
Total depreciation and amortization of premises and equipment	119	116	$ 130
Rental income credited to occupancy expense	10	11	$ 13
Land and land improvements
Property, Plant and Equipment, Net, by Type [Abstract]
Premises and equipment, gross	198	189
Buildings
Property, Plant and Equipment, Net, by Type [Abstract]
Premises and equipment, gross	586	587
Leasehold improvements
Property, Plant and Equipment, Net, by Type [Abstract]
Premises and equipment, gross	203	205
Equipment
Property, Plant and Equipment, Net, by Type [Abstract]
Premises and equipment, gross	$ 736	$ 742

SHORT-TERM BORROWINGS (Details)

SHORT-TERM BORROWINGS (Details) - USD ($) $ in Millions	Dec. 31, 2020	Dec. 31, 2019
Short-term Debt [Line Items]
Total short-term borrowings	$ 183	$ 2,606
Federal funds purchased and securities sold under agreements to repurchase
Short-term Debt [Line Items]
Total short-term borrowings	71	1,041
Federal Home Loan Bank advances
Short-term Debt [Line Items]
Total short-term borrowings	0	1,500
Other borrowings
Short-term Debt [Line Items]
Total short-term borrowings	$ 112	$ 65

LONG-TERM DEBT - Schedule of Lo

LONG-TERM DEBT - Schedule of Long-Term Debt and Debt Issuances (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2020	Jan. 28, 2020	Dec. 31, 2019
Debt Instrument [Line Items]
Long-term debt	$ 8,352		$ 9,849
Senior Notes | 2.47% Huntington National Bank senior notes due 2020
Debt Instrument [Line Items]
Long-term debt			$ 699
Effective rate			2.47%
Senior Notes | 2.42% Huntington National Bank senior notes due 2020
Debt Instrument [Line Items]
Long-term debt			$ 300
Effective rate			2.42%
Senior Notes | 2.43% Huntington National Bank senior notes due 2020
Debt Instrument [Line Items]
Long-term debt			$ 500
Effective rate			2.43%
Senior Notes | 2.97% Huntington National Bank senior notes due 2020
Debt Instrument [Line Items]
Long-term debt			$ 499
Effective rate			2.97%
Senior Notes | 0.79% Huntington National Bank senior notes due 2021
Debt Instrument [Line Items]
Long-term debt	$ 298		$ 299
Effective rate	0.79%
Senior Notes | 3.33% Huntington National Bank senior notes due 2021
Debt Instrument [Line Items]
Long-term debt	$ 752		759
Effective rate	3.33%
Senior Notes | 2.55% Huntington National Bank senior notes due 2022
Debt Instrument [Line Items]
Long-term debt	$ 710		691
Effective rate	2.55%
Senior Notes | 3.16% Huntington National Bank senior notes due 2022
Debt Instrument [Line Items]
Long-term debt	$ 511		507
Effective rate	3.16%
Senior Notes | 1.83% Huntington National Bank senior notes due 2023
Debt Instrument [Line Items]
Long-term debt	$ 489		$ 0
Effective rate			1.83%
Senior Notes | 3.60% Huntington National Bank senior notes due 2023
Debt Instrument [Line Items]
Long-term debt	$ 773		$ 778
Effective rate	3.60%
Subordinated Notes
Debt Instrument [Line Items]
Long-term debt	$ 3,766		5,263
Subordinated Notes | 3.86% Huntington National Bank subordinated notes due 2026
Debt Instrument [Line Items]
Long-term debt	$ 233		231
Effective rate	3.86%
Federal Home Loan Bank advances
Debt Instrument [Line Items]
Long-term debt	$ 3		5
Effective rate	1.54%
Other borrowings | Huntington Technology Finance nonrecourse debt, 3.63% weighted average interest rate, varying maturities
Debt Instrument [Line Items]
Long-term debt	$ 266		312
Effective rate	3.63%
Other borrowings | 2.12% Huntington Preferred Capital II - Class F securities
Debt Instrument [Line Items]
Long-term debt	$ 75		74
Effective rate	2.12%
Other borrowings | 2.12% Huntington Preferred Capital II - Class G securities
Debt Instrument [Line Items]
Long-term debt	$ 50		50
Effective rate	2.12%
Other borrowings | 2.24% Huntington Preferred Capital II - Class I securities
Debt Instrument [Line Items]
Long-term debt	$ 50		50
Effective rate	2.24%
Parent
Debt Instrument [Line Items]
Long-term debt	$ 4,142		4,095
Parent | Senior Notes | 3.19% Huntington Bancshares Incorporated medium-term notes due 2021
Debt Instrument [Line Items]
Long-term debt	$ 802		993
Effective rate	3.19%
Parent | Senior Notes | 2.33% Huntington Bancshares Incorporated senior notes due 2022
Debt Instrument [Line Items]
Long-term debt	$ 699		972
Effective rate	2.33%
Parent | Senior Notes | 2.67% Huntington Bancshares Incorporated senior notes due 2024
Debt Instrument [Line Items]
Long-term debt	$ 838		798
Effective rate	2.67%
Parent | Senior Notes | 4.05% Huntington Bancshares Incorporated senior notes due 2025
Debt Instrument [Line Items]
Long-term debt	$ 553		528
Effective rate	4.05%
Parent | Senior Notes | 2.60% Huntington Bancshares Incorporated senior notes due 2030
Debt Instrument [Line Items]
Long-term debt	$ 743		0
Stated rate		2.55%
Effective rate	2.60%
Debt face amount		$ 750
Debt percent of value issued	99.597%
Parent | Subordinated Notes | 7.00% Huntington Bancshares Incorporated subordinated notes due 2020
Debt Instrument [Line Items]
Long-term debt			$ 305
Stated rate			7.00%
Parent | Subordinated Notes | 3.55% Huntington Bancshares Incorporated subordinated notes due 2023
Debt Instrument [Line Items]
Long-term debt	$ 256		$ 247
Effective rate	3.55%
Parent | Subordinated Notes | Huntington Capital I Trust Preferred 0.94% junior subordinated debentures due 2027
Debt Instrument [Line Items]
Long-term debt	$ 69		70
Effective rate	0.94%
Parent | Subordinated Notes | Huntington Capital II Trust Preferred 0.86% junior subordinated debentures due 2028
Debt Instrument [Line Items]
Long-term debt	$ 32		32
Effective rate	0.86%
Parent | Subordinated Notes | Sky Financial Capital Trust III 1.64% junior subordinated debentures due 2036
Debt Instrument [Line Items]
Long-term debt	$ 72		72
Effective rate	1.64%
Parent | Subordinated Notes | Sky Financial Capital Trust IV 1.64% junior subordinated debentures due 2036
Debt Instrument [Line Items]
Long-term debt	$ 74		74
Effective rate	1.64%
Parent | Subordinated Notes | Camco Financial Statutory Trust I 1.57% due 2037
Debt Instrument [Line Items]
Long-term debt	$ 4		$ 4
Effective rate	1.57%
Parent | Subordinated Notes | London Interbank Offered Rate (LIBOR) [Member] | Huntington Capital I Trust Preferred 0.94% junior subordinated debentures due 2027
Debt Instrument [Line Items]
Basis spread on variable rate	0.70%
Parent | Subordinated Notes | London Interbank Offered Rate (LIBOR) [Member] | Huntington Capital II Trust Preferred 0.86% junior subordinated debentures due 2028
Debt Instrument [Line Items]
Basis spread on variable rate	0.625%
Parent | Subordinated Notes | London Interbank Offered Rate (LIBOR) [Member] | Sky Financial Capital Trust IV 1.64% junior subordinated debentures due 2036
Debt Instrument [Line Items]
Basis spread on variable rate	1.40%
Parent | Subordinated Notes | London Interbank Offered Rate (LIBOR) [Member] | Camco Financial Statutory Trust I 1.57% due 2037
Debt Instrument [Line Items]
Basis spread on variable rate	1.33%
Parent | Subordinated Notes | London Interbank Offered Rate (LIBOR) [Member] | 2.42% Huntington National Bank senior notes due 2020
Debt Instrument [Line Items]
Basis spread on variable rate	0.51%
Parent | Subordinated Notes | London Interbank Offered Rate (LIBOR) [Member] | 0.79% Huntington National Bank senior notes due 2021
Debt Instrument [Line Items]
Basis spread on variable rate	0.55%
Parent | Subordinated Notes | London Interbank Offered Rate (LIBOR) [Member] | 2.12% Huntington Preferred Capital II - Class F securities
Debt Instrument [Line Items]
Basis spread on variable rate	1.88%
Parent | Subordinated Notes | London Interbank Offered Rate (LIBOR) [Member] | 2.24% Huntington Preferred Capital II - Class I securities
Debt Instrument [Line Items]
Basis spread on variable rate	2.00%
Bank | Senior Notes | 1.83% Huntington National Bank senior notes due 2023
Debt Instrument [Line Items]
Stated rate		1.80%
Debt face amount		$ 500
Debt percent of value issued	99.916%

LONG-TERM DEBT - Maturities (De

LONG-TERM DEBT - Maturities (Details) $ in Millions	Dec. 31, 2020USD ($)
Long-term Debt, Fiscal Year Maturity [Abstract]
2021	$ 1,866
2022	2,040
2023	1,589
2024	903
2025	539
Thereafter	1,254
Total	8,191
Parent | Senior Notes
Long-term Debt, Fiscal Year Maturity [Abstract]
2021	800
2022	700
2023	0
2024	800
2025	500
Thereafter	750
Total	3,550
Parent | Subordinated Notes
Long-term Debt, Fiscal Year Maturity [Abstract]
2021	0
2022	0
2023	250
2024	0
2025	0
Thereafter	253
Total	503
Bank | Senior Notes
Long-term Debt, Fiscal Year Maturity [Abstract]
2021	1,044
2022	1,198
2023	1,202
2024	0
2025	0
Thereafter	0
Total	3,444
Bank | Subordinated Notes
Long-term Debt, Fiscal Year Maturity [Abstract]
2021	0
2022	0
2023	0
2024	0
2025	0
Thereafter	250
Total	250
Bank | Federal Home Loan Bank advances
Long-term Debt, Fiscal Year Maturity [Abstract]
2021	0
2022	1
2023	1
2024	0
2025	0
Thereafter	1
Total	3
Bank | Other borrowings
Long-term Debt, Fiscal Year Maturity [Abstract]
2021	22
2022	141
2023	136
2024	103
2025	39
Thereafter	0
Total	$ 441

LONG-TERM DEBT - Narrative (Det

LONG-TERM DEBT - Narrative (Details) $ in Millions	12 Months Ended
	Dec. 31, 2020USD ($)
Debt Disclosure [Abstract]
Gain (Loss) on Retirement of Senior Notes	$ 7
Retirement of Senior Notes	$ 500

OTHER COMPREHENSIVE INCOME - Ac

OTHER COMPREHENSIVE INCOME - Activity/Roll Forward (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Pretax
Net change in fair value on cash flow hedges	$ 302	$ 26
Net change in pension and post-retirement obligations	3	7	$ (4)
Total other comprehensive income (loss), pretax	576	448	(106)
Tax (Expense) Benefit
Net change in fair value on cash flow hedges	(68)	(3)
Net change in pension and other post-retirement obligations	1	2	0
Total other comprehensive income (loss)	(128)	(95)	26
After-tax
Net change in unrealized gains (losses) on derivatives used in cash flow hedging relationships	234	23
Net change in pension and post-retirement obligations	(2)	(5)	4
Other comprehensive income (loss), net of tax	448	353	(80)
Debt securities
Pretax
Unrealized gains (losses) on available-for-sale securities arising during the period	235	403	(151)
Less: Reclassification adjustment for realized net losses (gains) included in net income	42	26	41
Net change in unrealized holding gains (losses) on available-for-sale debt/equity securities	277	429	(110)
Tax (Expense) Benefit
Unrealized gains (losses) on available-for-sale securities arising during the period	(52)	(89)	35
Less: Reclassification adjustment for realized net losses (gains) included in net income	(9)	(5)	(9)
Net change in unrealized holding gains (losses) on available-for-sale debt/equity securities	(61)	(94)	26
After-tax
Unrealized gains (losses) on available-for-sale securities arising during the period	183	314	(116)
Less: Reclassification adjustment for net gains (losses) included in net income	33	21	32
Net change in unrealized holding gains (losses) on available-for-sale debt/equity securities	$ 216	$ 335	$ (84)

OTHER COMPREHENSIVE INCOME - AO

OTHER COMPREHENSIVE INCOME - AOCI Roll Forward (Details) - USD ($) $ in Millions	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Beginning balance				$ 11,795	$ 11,102	$ 10,814
Other comprehensive income before reclassifications				417	337
Amounts reclassified from accumulated OCI to earnings				31	16
Period change				448	353
Ending balance	$ 12,993	$ 11,795	$ 11,102	12,993	11,795	11,102
AOCI attributable to parent
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Beginning balance				(256)	(609)	(528)
Ending balance	192	(256)	(609)	192	(256)	(609)
Unrealized gains and (losses) on securities | Debt securities
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Beginning balance				(28)	(363)
Other comprehensive income before reclassifications				183	314
Amounts reclassified from accumulated OCI to earnings				33	21
Period change				216	335
Ending balance	188	(28)	(363)	188	(28)	(363)
Change in fair value related to cash flow hedges
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Beginning balance				23	0
Other comprehensive income before reclassifications				234	23
Amounts reclassified from accumulated OCI to earnings				0	0
Period change				234	23
Ending balance	257	23	0	257	23	0
Unrealized gains (losses) for pension and other post-retirement obligations
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Beginning balance				(251)	(246)
Other comprehensive income before reclassifications				0	0
Amounts reclassified from accumulated OCI to earnings				(2)	(5)
Period change				(2)	(5)
Ending balance	(253)	(251)	(246)	$ (253)	$ (251)	$ (246)
Reclassification out of Accumulated Other Comprehensive Income
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Transferred from AFS to HTM	$ (69)	$ (121)	$ (137)

SHAREHOLDERS' EQUITY (Details)

SHAREHOLDERS' EQUITY (Details) $ / shares in Units, $ in Millions	3 Months Ended			12 Months Ended
	Mar. 31, 2021USD ($)shares	Sep. 30, 2020USD ($)$ / sharesshares	Jun. 30, 2020USD ($)$ / sharesshares	Dec. 31, 2020USD ($)$ / sharesRateshares	Dec. 31, 2019USD ($)$ / sharesshares	Dec. 31, 2018USD ($)$ / shares	Feb. 02, 2021USD ($)$ / shares	Feb. 27, 2018$ / shares
Class of Stock [Line Items]
Total Shares Outstanding | shares				750,500	740,500
Carrying Amount				$ 2,191
Preferred Stock, Value, Issued				2,191	$ 1,203
Amount				(100)	(74)	$ (70)
Retained Earnings
Class of Stock [Line Items]
Amount				$ (100)	$ (74)	$ (70)
Series B
Class of Stock [Line Items]
Total Shares Outstanding | shares				35,500
Carrying Amount				$ 23
Preferred stock, dividend percentage				3-mo. LIBOR + 270 bps
Preferred Stock, Redemption Date				Jan. 15, 2017
Series B | Retained Earnings
Class of Stock [Line Items]
Cash Dividend Declared Per Share | $ / shares				$ 35.91	$ 51.22	$ 49.11
Amount				$ (1)	$ (2)	$ (3)
Series D
Class of Stock [Line Items]
Total Shares Outstanding | shares				400,000
Carrying Amount				$ 386
Preferred stock, dividend rate percentage | Rate				6.25%
Preferred Stock, Redemption Date				Apr. 15, 2021
Series D | Retained Earnings
Class of Stock [Line Items]
Cash Dividend Declared Per Share | $ / shares				$ 62.50	$ 62.50	$ 62.50
Amount				$ (37)	$ (37)	$ (37)
Series D
Class of Stock [Line Items]
Total Shares Outstanding | shares				200,000
Carrying Amount				$ 199
Preferred stock, dividend rate percentage | Rate				6.25%
Preferred Stock, Redemption Date				Apr. 15, 2021
Series C
Class of Stock [Line Items]
Total Shares Outstanding | shares				100,000
Carrying Amount				$ 100
Preferred stock, dividend rate percentage | Rate				5.875%
Preferred Stock, Redemption Date				Oct. 15, 2021
Series C | Retained Earnings
Class of Stock [Line Items]
Cash Dividend Declared Per Share | $ / shares				$ 58.76	$ 58.76	$ 58.76
Amount				$ (6)	$ (6)	$ (6)
Series E
Class of Stock [Line Items]
Total Shares Outstanding | shares				5,000
Carrying Amount				$ 495
Preferred stock, dividend rate percentage | Rate				5.70%
Preferred Stock, Redemption Date				Apr. 15, 2023
Preferred stock, liquidation preference per share (in dollars per share) | $ / shares								$ 100,000
Series E | Retained Earnings
Class of Stock [Line Items]
Cash Dividend Declared Per Share | $ / shares				$ 5,700	$ 5,700	$ 4,892.50
Amount				$ (29)	$ (29)	$ (24)
Series F
Class of Stock [Line Items]
Total Shares Outstanding | shares				5,000
Carrying Amount				$ 494
Preferred stock, dividend rate percentage			5.625%	5.625%
Preferred Stock, Redemption Date				Jul. 15, 2030
Preferred stock, liquidation preference per share (in dollars per share) | $ / shares			$ 100,000
Preferred Stock, Value, Issued			$ 500
Depositary Shares, Issued | shares			500,000
Preferred Stock, Par or Stated Value Per Share | $ / shares			$ 10,000
Payments of Stock Issuance Costs			$ 6
Depositary Shares, Liquidation Preference Per Share | $ / shares		$ 1,000
Depository share, percent interest in preferred stock				0.01
Series F | Retained Earnings
Class of Stock [Line Items]
Cash Dividend Declared Per Share | $ / shares				$ 3,468.75
Amount				$ (17)
Series G
Class of Stock [Line Items]
Total Shares Outstanding | shares				5,000
Carrying Amount				$ 494
Preferred stock, dividend rate percentage		4.45%		4.45%
Preferred Stock, Redemption Date				Oct. 15, 2027
Preferred stock, liquidation preference per share (in dollars per share) | $ / shares		$ 100,000
Preferred Stock, Value, Issued		$ 500
Depositary Shares, Issued | shares		500,000
Preferred Stock, Par or Stated Value Per Share | $ / shares		$ 10,000
Payments of Stock Issuance Costs		$ 6
Depositary Shares, Liquidation Preference Per Share | $ / shares		$ 1,000
Depository share, percent interest in preferred stock				0.01
Series G | Retained Earnings
Class of Stock [Line Items]
Cash Dividend Declared Per Share | $ / shares				$ 1,915.97
Amount				$ (10)
Preferred Stock
Class of Stock [Line Items]
Preferred stock, liquidation preference per share (in dollars per share) | $ / shares				$ 1,000
Series H Preferred Stock | Subsequent Event [Member]
Class of Stock [Line Items]
Preferred stock, dividend rate percentage	4.50%
Preferred stock, liquidation preference per share (in dollars per share) | $ / shares							$ 1,000
Preferred Stock, Value, Issued							$ 500
Depositary Shares, Issued | shares	20,000,000
Preferred Stock, Par or Stated Value Per Share | $ / shares							$ 10,000
Payments of Stock Issuance Costs	$ 16
Depositary Shares, Liquidation Preference Per Share | $ / shares							$ 25
Depository share, percent interest in preferred stock							0.025

EARNINGS PER SHARE (Details)

EARNINGS PER SHARE (Details) - USD ($) $ / shares in Units, shares in Thousands, $ in Millions	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Basic earnings per common share:
Net income	$ 817	$ 1,411	$ 1,393
Preferred stock dividends	(100)	(74)	(70)
Net income available to common shareholders	$ 717	$ 1,337	$ 1,323
Average common shares issued and outstanding	1,017,117	1,038,840	1,081,542
Dilutive potential common shares
Stock options and restricted stock units and awards	10,613	12,994	16,529
Shares held in deferred compensation plans	4,953	4,245	3,511
Dilutive impact of Preferred Stock	0	0	4,403
Other	0	0	0
Dilutive potential common shares: (in shares)	15,566	17,239	24,443
Total diluted average common shares issued and outstanding (in shares)	1,032,683	1,056,079	1,105,985
Basic earnings per common share (in USD per share)	$ 0.71	$ 1.29	$ 1.22
Diluted earnings per common share (in USD per share)	$ 0.69	$ 1.27	$ 1.20
Stock Option
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Options outstanding to purchase common stock shares having antidilutive effect (in shares)	9,760	5,253	2,307

NONINTEREST INCOME - Summary of

NONINTEREST INCOME - Summary of Noninterest Income (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Revenue from Contract with Customer [Abstract]
Noninterest income from contracts with customers	$ 884	$ 939	$ 881
Noninterest income within the scope of other GAAP topics	707	515	440
Total noninterest income	$ 1,591	$ 1,454	$ 1,321

NONINTEREST INCOME - Disaggrega

NONINTEREST INCOME - Disaggregation by Segment (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	$ 884	$ 939	$ 881
Noninterest income within the scope of other GAAP topics	707	515	440
Noninterest income	1,591	1,454	1,321
Service charges on deposit accounts
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	301	372	363
Cards and payment processing income
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	236	233	209
Trust and investment management services
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	189	178	171
Insurance income
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	97	88	82
Other income
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	61	68	56
Operating Segments | Consumer & Business Banking
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	551	615	588
Noninterest income within the scope of other GAAP topics	394	210	156
Noninterest income	945	825	744
Operating Segments | Consumer & Business Banking | Service charges on deposit accounts
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	217	297	290
Operating Segments | Consumer & Business Banking | Cards and payment processing income
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	221	218	198
Operating Segments | Consumer & Business Banking | Trust and investment management services
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	44	34	28
Operating Segments | Consumer & Business Banking | Insurance income
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	43	34	34
Operating Segments | Consumer & Business Banking | Other income
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	26	32	38
Operating Segments | Commercial Banking
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	123	113	90
Noninterest income within the scope of other GAAP topics	241	246	231
Noninterest income	364	359	321
Operating Segments | Commercial Banking | Service charges on deposit accounts
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	74	64	64
Operating Segments | Commercial Banking | Cards and payment processing income
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	15	15	11
Operating Segments | Commercial Banking | Trust and investment management services
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	5	4	4
Operating Segments | Commercial Banking | Insurance income
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	7	6	5
Operating Segments | Commercial Banking | Other income
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	22	24	6
Operating Segments | Vehicle Finance
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	8	11	8
Noninterest income within the scope of other GAAP topics	1	1	3
Noninterest income	9	12	11
Operating Segments | Vehicle Finance | Service charges on deposit accounts
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	6	7	5
Operating Segments | Vehicle Finance | Cards and payment processing income
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	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
Operating Segments | Vehicle Finance | Insurance income
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	0	0	0
Operating Segments | Vehicle Finance | Other income
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	2	4	3
Operating Segments | RBHPCG
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	201	196	192
Noninterest income within the scope of other GAAP topics	0	2	1
Noninterest income	201	198	193
Operating Segments | RBHPCG | Service charges on deposit accounts
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	4	4	4
Operating Segments | RBHPCG | Cards and payment processing income
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	0	0	0
Operating Segments | RBHPCG | Trust and investment management services
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	140	139	139
Operating Segments | RBHPCG | Insurance income
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	46	47	41
Operating Segments | RBHPCG | Other income
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	11	6	8
Treasury / Other
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	1	4	3
Noninterest income within the scope of other GAAP topics	71	56	49
Noninterest income	72	60	52
Treasury / Other | Service charges on deposit accounts
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	0	0	0
Treasury / Other | Cards and payment processing income
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	0	0	0
Treasury / Other | Trust and investment management services
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	0	1	0
Treasury / Other | Insurance income
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	1	1	2
Treasury / Other | Other income
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	$ 0	$ 2	$ 1

SHARE-BASED COMPENSATION - Narr

SHARE-BASED COMPENSATION - Narrative (Details) - USD ($) $ / shares in Units, shares in Millions, $ in Millions	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Shares authorized	33
Shares available for grant	5
Tax benefit realized from exercise of options	$ 1	$ 3	$ 10
Granted (in USD per share)	$ 8.90	$ 13.91	$ 14.98
Total fair value of awards vested	$ 86	$ 69	$ 62
After May 2015
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Awards expiration period	10 years
Before May 2015
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Awards expiration period	7 years
Stock Option
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award vesting period	4 years
Total intrinsic value of options exercised	$ 6	16	52
Cash received for exercises of stock options	1	$ 2	$ 5
Total unrecognized compensation cost related to nonvested awards	$ 91
Cost not yet recognized period for recognition	2 years 4 months 24 days
Performance Share Units
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award vesting period	3 years
Granted (in USD per share)	$ 8.57

SHARE-BASED COMPENSATION - Sche

SHARE-BASED COMPENSATION - Schedule of Assumptions (Details) - $ / shares	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Assumptions
Risk-free interest rate	0.48%	2.41%	2.88%
Expected dividend yield	6.98%	4.36%	3.71%
Expected volatility of Huntington’s common stock	39.70%	22.50%	24.00%
Expected option term (years)	6 years 6 months	6 years 6 months	6 years 6 months
Weighted-average grant date fair value per share	$ 1.49	$ 1.91	$ 2.58

SHARE-BASED COMPENSATION - Shar

SHARE-BASED COMPENSATION - Share-Based Compensation Expense (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Share-based Payment Arrangement [Abstract]
Share-based compensation expense	$ 77	$ 83	$ 78
Tax benefit	$ 13	$ 15	$ 14

SHARE-BASED COMPENSATION - Sc_2

SHARE-BASED COMPENSATION - Schedule of Stock Option Activity (Details) $ / shares in Units, shares in Thousands, $ in Millions	12 Months Ended
	Dec. 31, 2020USD ($)$ / sharesshares
Options (in shares):
Outstanding at beginning of period (in shares)	11,309
Granted (in shares)	4,378
Exercised (in shares)	(1,372)
Forfeited/expired (in shares)	(163)
Outstanding at end of period (in shares)	14,152
Expected to vest at end of period (in shares)	7,994
Exercisable at end of period (in shares)	5,919
Weighted- Average Exercise Price (USD per share):
Outstanding at beginning of period (USD per share) | $ / shares	$ 12.23
Granted (USD per share) | $ / shares	8.60
Exercised (USD per share) | $ / shares	7.56
Forfeited/expired (USD per share) | $ / shares	13.25
Outstanding at end of period (USD per share) | $ / shares	11.55
Vested and expected to vest (USD per share) | $ / shares	11.18
Exercisable (USD per share) | $ / shares	$ 12.09
Weighted-Average Remaining Contractual Life (Years)/Aggregate Intrinsic Value
Outstanding, weighted-average remaining contractual life (years)	7 years 4 months 24 days
Expected to vest, weighted-average remaining contractual period (years)	8 years 7 months 6 days
Exercisable, weighted-average remaining contractual term (years)	5 years 7 months 6 days
Outstanding aggregate intrinsic value | $	$ 25
Expected to vest, aggregate intrinsic value | $	17
Exercisable, aggregate intrinsic value | $	$ 7
Expected to be forfeited (in shares)	239

SHARE-BASED COMPENSATION - Rest

SHARE-BASED COMPENSATION - Restricted Stock, RSUs, Performance Shares (Details) - $ / shares shares in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Weighted-Average Grant Date Fair Value Per Share (USD per share):
Granted (in USD per share)	$ 8.90	$ 13.91	$ 14.98
Restricted Stock Units
Shares:
Nonvested at beginning of period (in shares)	15,289
Granted (in shares)	7,360
Vested (in shares)	(5,416)
Forfeited (in shares)	(581)
Nonvested at end of period (in shares)	16,652	15,289
Weighted-Average Grant Date Fair Value Per Share (USD per share):
Nonvested at beginning of period (in USD per share)	$ 13.42
Granted (in USD per share)	8.98
Vested (in USD per share)	12.39
Forfeited (in USD per share)	12.49
Nonvested at end of period (in USD per share)	$ 12.05	$ 13.42
Performance Share Units
Shares:
Nonvested at beginning of period (in shares)	2,769
Granted (in shares)	2,154
Vested (in shares)	(1,626)
Forfeited (in shares)	(22)
Nonvested at end of period (in shares)	3,275	2,769
Weighted-Average Grant Date Fair Value Per Share (USD per share):
Nonvested at beginning of period (in USD per share)	$ 13.49
Granted (in USD per share)	8.57
Vested (in USD per share)	12.19
Forfeited (in USD per share)	12.93
Nonvested at end of period (in USD per share)	$ 11.74	$ 13.49

BENEFIT PLANS - Narrative (Deta

BENEFIT PLANS - Narrative (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Defined Benefit Plan Disclosure [Line Items]
Employer Contributions	$ 0
Average duration of plan assets investment in bonds, years	15 years 3 months 18 days
Estimated life of benefit obligations	13 years 6 months
Defined Contribution Plan, Cost	$ 47	$ 51	$ 46
Cash and cash equivalents
Defined Benefit Plan Disclosure [Line Items]
Actual plan asset allocations	2.00%
Equity securities
Defined Benefit Plan Disclosure [Line Items]
Actual plan asset allocations	17.00%
Bonds
Defined Benefit Plan Disclosure [Line Items]
Actual plan asset allocations	81.00%
Pension Benefits
Defined Benefit Plan Disclosure [Line Items]
Accumulated benefit obligations in excess of plan assets, aggregate projected benefit obligation	$ 24
Defined Benefit Plan, Expected Amortization, Next Fiscal Year	$ 6
Minimum | Pension Benefits | Equity securities
Defined Benefit Plan Disclosure [Line Items]
Defined Benefit Plan, Plan Assets, Target Allocation, Percentage	20.00%
Minimum | Pension Benefits | Bonds
Defined Benefit Plan Disclosure [Line Items]
Defined Benefit Plan, Plan Assets, Target Allocation, Percentage	50.00%
Maximum | Pension Benefits | Equity securities
Defined Benefit Plan Disclosure [Line Items]
Defined Benefit Plan, Plan Assets, Target Allocation, Percentage	50.00%
Maximum | Pension Benefits | Bonds
Defined Benefit Plan Disclosure [Line Items]
Defined Benefit Plan, Plan Assets, Target Allocation, Percentage	80.00%

BENEFIT PLANS - Weighted Averag

BENEFIT PLANS - Weighted Average Assumptions (Details) - Pension Benefits	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019
Weighted-average assumptions used to determine benefit obligations
Discount rate	2.50%	3.40%
Weighted-average assumptions used to determine net periodic benefit cost
Discount Rate	3.40%	4.41%
Long-term Return on Assets	5.00%	5.25%

BENEFIT PLANS - Projected Benef

BENEFIT PLANS - Projected Benefit Obligation (Details) - Pension Benefits - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Change in Benefit Obligation [Roll Forward]
Projected benefit obligation at beginning of measurement year	$ 923	$ 821
Service cost	3	2	$ 3
Interest cost	26	32	29
Benefits paid	(29)	(29)
Settlements	(19)	(14)
Actuarial assumptions and gains (losses)	122	111
Total changes	103	102
Projected benefit obligation at end of measurement year	$ 1,026	$ 923	$ 821

BENEFIT PLANS - Fair Value of P

BENEFIT PLANS - Fair Value of Plan Assets (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019
Change in Fair Value of Plan Assets [Abstract]
Fair value of plan assets at beginning of measurement year	$ 931
Fair value of plan assets at end of measurement year	1,050	$ 931
Pension Benefits
Change in Fair Value of Plan Assets [Abstract]
Fair value of plan assets at beginning of measurement year	931	828
Actual return on plan assets	164	145
Settlements	(16)	(13)
Benefits paid	(29)	(29)
Total changes	119	103
Fair value of plan assets at end of measurement year	$ 1,050	$ 931

BENEFIT PLANS - Net Periodic Be

BENEFIT PLANS - Net Periodic Benefit Costs (Details) - Pension Benefits - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Components of net periodic benefit expense [Abstract]
Service cost	$ 3	$ 2	$ 3
Interest cost	26	32	29
Expected return on plan assets	(42)	(44)	(49)
Amortization of loss	9	6	9
Settlements	5	5	7
Benefit costs	1	$ 1	$ (1)
Defined Benefit Plan, Expected Amortization, Next Fiscal Year [Abstract]
Defined Benefit Plan, Expected Amortization, Next Fiscal Year	$ 6

BENEFIT PLANS - Fair Value of_2

BENEFIT PLANS - Fair Value of Plan Assets (Details) - USD ($) $ in Millions	Dec. 31, 2020	Dec. 31, 2019
Summary of plan assets investments
Fair value of plan assets	$ 1,050	$ 931
Fair value of plan assets, Percentage	100.00%	100.00%
Mutual funds-money market
Summary of plan assets investments
Fair value of plan assets	$ 20	$ 7
Fair value of plan assets, Percentage	2.00%	1.00%
Corporate obligations
Summary of plan assets investments
Fair value of plan assets	$ 522	$ 460
Fair value of plan assets, Percentage	50.00%	49.00%
U.S. Government obligations
Summary of plan assets investments
Fair value of plan assets	$ 208	$ 199
Fair value of plan assets, Percentage	20.00%	21.00%
Municipal obligations
Summary of plan assets investments
Fair value of plan assets	$ 6	$ 5
Fair value of plan assets, Percentage	0.00%	1.00%
Collective trust funds
Summary of plan assets investments
Fair value of plan assets	$ 118	$ 105
Fair value of plan assets, Percentage	11.00%	11.00%
Common stock
Summary of plan assets investments
Fair value of plan assets	$ 48	$ 53
Fair value of plan assets, Percentage	5.00%	6.00%
Preferred stock
Summary of plan assets investments
Fair value of plan assets	$ 5	$ 5
Fair value of plan assets, Percentage	0.00%	1.00%
Limited liability companies
Summary of plan assets investments
Fair value of plan assets	$ 39	$ 43
Fair value of plan assets, Percentage	4.00%	4.00%
Collective trust funds
Summary of plan assets investments
Fair value of plan assets	$ 33	$ 35
Fair value of plan assets, Percentage	3.00%	4.00%
Limited partnerships
Summary of plan assets investments
Fair value of plan assets	$ 51	$ 19
Fair value of plan assets, Percentage	5.00%	2.00%

BENEFIT PLANS - Expected Future

BENEFIT PLANS - Expected Future Benefit Payments (Details) - Pension Benefits $ in Millions	Dec. 31, 2020USD ($)
Estimated Future Benefit Payments [Abstract]
2021	$ 58
2022	55
2023	53
2024	51
2025	50
2026 through 2030	$ 243

BENEFIT PLANS - Amounts Recogni

BENEFIT PLANS - Amounts Recognized in the Balance Sheet (Details) - USD ($) $ in Millions	Dec. 31, 2020	Dec. 31, 2019
Retirement Benefits [Abstract]
Other liabilities	$ 48	$ 67

BENEFIT PLANS - Amounts Recog_2

BENEFIT PLANS - Amounts Recognized in AOCI (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Retirement Benefits [Abstract]
Net actuarial loss	$ (253)	$ (261)	$ (257)
Prior service cost	0	10	11
Defined benefit pension plans	(253)	(251)	(246)
Net actuarial (loss) gain:
Amounts arising during the year	(7)	(17)	(5)
Amortization included in net periodic benefit costs	17	12	13
Prior service cost:
Amounts arising during the year	(11)
Amortization included in net periodic benefit costs	(2)	(2)	(4)
Net actuarial (loss) gain:
Amounts arising during the year	2	5	2
Amortization included in net periodic benefit costs	(4)	(3)	(3)
Prior service cost:
Amounts arising during the year	3
Amortization included in net periodic benefit costs	0	0	1
Net actuarial (loss) gain:
Amounts arising during the year	(5)	(12)	(3)
Amortization included in net periodic benefit costs	13	9	10
Prior service cost:
Amounts arising during the year	(8)
Amortization included in net periodic benefit costs	(2)	(2)	(3)
Total recognized in OCI	(253)	(251)	(246)
Other Comprehensive (Income) Loss, Defined Benefit Plan, after Reclassification Adjustment, before Tax	(3)	(7)	4
Net change in pension and other post-retirement obligations	1	2	0
Other Comprehensive (Income) Loss, Defined Benefit Plan, after Reclassification Adjustment, after Tax	$ (2)	$ (5)	$ 4

BENEFIT PLANS - Defined Contrib

BENEFIT PLANS - Defined Contribution Plans (Details) - USD ($) $ in Millions	Dec. 31, 2020	Dec. 31, 2019
Retirement Benefits [Abstract]
Shares in Huntington common stock (in shares)	10,121	10,334
Market value of Huntington common stock	$ 128	$ 156
Dividends received on shares of Huntington stock	$ 6	$ 6

BENEFIT PLANS - Expected Net Pe

BENEFIT PLANS - Expected Net Periodic Benefits (Details) $ in Millions	Dec. 31, 2020USD ($)
Pension Benefits
Defined Benefit Plan Disclosure [Line Items]
Defined Benefit Plan, Expected Amortization, Next Fiscal Year	$ 6

INCOME TAXES - Narrative (Detai

INCOME TAXES - Narrative (Details) $ in Millions	Dec. 31, 2020USD ($)
Income Tax Disclosure [Abstract]
Net deferred tax asset, operating loss carryforwards	$ 128
Net deferred tax asset, operating loss carryforwards, domestic	45
Net deferred tax asset, operating loss carryforwards, state and local	39
Deferred Tax Assets, Capital Loss Carryforwards	42
Bad debt reserves with no federal income tax liability	12
Unrecognized deferred tax liability from cumulative bad debt reduction	$ 3

INCOME TAXES - Provision (Benef

INCOME TAXES - Provision (Benefit) for Income Taxes (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Current tax provision (benefit)
Federal	$ 236	$ 209	$ 152
State	12	16	20
Total current tax provision	248	225	172
Deferred tax provision (benefit)
Federal	(103)	24	71
State	10	(1)	(8)
Total deferred tax provision	(93)	23	63
Provision for income taxes	$ 155	$ 248	$ 235

INCOME TAXES - Effective Income

INCOME TAXES - Effective Income Tax Rate Reconciliation (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Income Tax Disclosure [Abstract]
Provision for income taxes computed at the statutory rate	$ 204	$ 348	$ 342
Increases (decreases):
General business credits	(99)	(88)	(80)
Capital loss	(25)	(62)	(60)
Tax-exempt income	(17)	(21)	(23)
Tax-exempt bank owned life insurance income	(13)	(14)	(14)
Affordable housing investment amortization, net of tax benefits	78	70	64
State income taxes, net	17	11	10
Stock based compensation	1	(5)	(14)
Impact from TCJA	0	0	(3)
Other	9	9	13
Provision for income taxes	$ 155	$ 248	$ 235

INCOME TAXES - Deferred Tax Ass

INCOME TAXES - Deferred Tax Assets and Liabilities (Details) - USD ($) $ in Millions	Dec. 31, 2020	Dec. 31, 2019
Deferred Tax Assets, Gross [Abstract]
Allowances for credit losses	$ 448	$ 184
Net operating and other loss carryforward	128	99
Lease liability	54	47
Purchase accounting and other intangibles	30	33
Pension and other employee benefits	10	12
Fair value adjustments	0	77
Other assets	5	11
Total deferred tax assets	675	463
Deferred tax liabilities:
Lease financing	409	359
Loan origination costs	137	119
Operating assets	85	74
Fair value adjustments	55	0
Right-of-use asset	46	41
Mortgage servicing rights	43	36
Other liabilities	23	11
Total deferred tax liabilities	798	640
Net deferred tax liability before valuation allowance	(123)	(177)
Valuation allowance	(11)	(6)
Total deferred tax liabilities	$ (134)	$ (183)

INCOME TAXES - Gross Unrecogniz

INCOME TAXES - Gross Unrecognized Tax Benefits (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019
Reconciliation of Unrecognized Tax Benefits, Excluding Amounts Pertaining to Examined Tax Returns [Roll Forward]
Unrecognized tax benefits at beginning of period	$ 0	$ 0
Gross increases for tax positions taken during prior years	46	0
Unrecognized tax benefits at end of period	$ 46	$ 0

FAIR VALUES OF ASSETS AND LIA_3

FAIR VALUES OF ASSETS AND LIABILITIES - Narrative (Details)	3 Months Ended
	Dec. 31, 2020
Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Percentage of available-for-sale and trading securities in Level 1 (less than)	1.00%
Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Percentage of available-for-sale and trading securities in Level 2	82.00%
Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Percentage of available-for-sale and trading securities in Level 3	18.00%

FAIR VALUES OF ASSETS AND LIA_4

FAIR VALUES OF ASSETS AND LIABILITIES - Recurring basis (Details) - USD ($) $ in Millions	Dec. 31, 2020	Dec. 31, 2019
Assets measured at fair value on a recurring basis
Loans held for sale	$ 1,198	$ 781
Consumer loans	94	81
Derivative assets gross	1,946	856
Derivative assets netting	(889)	(404)
Derivative assets	1,057	452
Liabilities measured at fair value on a recurring basis
Gross amounts of recognized liabilities	1,033	521
Derivative liabilities netting	(917)	(417)
Derivative liabilities	116	104
Recurring
Assets measured at fair value on a recurring basis
Trading account securities		99
Available-for-sale securities	16,485	14,149
Other Securities, Fair Value	59	54
Loans held for sale	1,198	781
MSRs	210	7
Derivative assets netting	(889)	(404)
Derivative assets	1,057	452
Liabilities measured at fair value on a recurring basis
Derivative liabilities netting	(917)	(417)
Derivative liabilities	116	104
Recurring | U.S. Treasury securities
Assets measured at fair value on a recurring basis
Available-for-sale securities	5	10
Recurring | Residential CMOs
Assets measured at fair value on a recurring basis
Available-for-sale securities	3,666	5,085
Recurring | Residential MBS
Assets measured at fair value on a recurring basis
Available-for-sale securities	7,935	4,222
Recurring | Commercial MBS
Assets measured at fair value on a recurring basis
Available-for-sale securities	1,163	976
Recurring | Other agencies
Assets measured at fair value on a recurring basis
Trading account securities		4
Available-for-sale securities	62	165
Recurring | Municipal securities
Assets measured at fair value on a recurring basis
Trading account securities	62	63
Available-for-sale securities	3,004	3,055
Recurring | Private-label CMO
Assets measured at fair value on a recurring basis
Available-for-sale securities	9	2
Recurring | Asset-backed securities
Assets measured at fair value on a recurring basis
Available-for-sale securities	192	579
Recurring | Corporate debt
Assets measured at fair value on a recurring basis
Available-for-sale securities	445	51
Recurring | Other securities/Sovereign debt
Assets measured at fair value on a recurring basis
Trading account securities		32
Available-for-sale securities	4	4
Recurring | Level 1
Assets measured at fair value on a recurring basis
Trading account securities		30
Available-for-sale securities	5	10
Other Securities, Fair Value	59	54
Loans held for sale	0	0
Consumer loans	0	0
MSRs	0	0
Derivative assets gross	0	0
Liabilities measured at fair value on a recurring basis
Gross amounts of recognized liabilities	0	0
Recurring | Level 1 | U.S. Treasury securities
Assets measured at fair value on a recurring basis
Available-for-sale securities	5	10
Recurring | Level 1 | Residential CMOs
Assets measured at fair value on a recurring basis
Available-for-sale securities	0	0
Recurring | Level 1 | Residential MBS
Assets measured at fair value on a recurring basis
Available-for-sale securities	0	0
Recurring | Level 1 | Commercial MBS
Assets measured at fair value on a recurring basis
Available-for-sale securities	0	0
Recurring | Level 1 | Other agencies
Assets measured at fair value on a recurring basis
Trading account securities		0
Available-for-sale securities	0	0
Recurring | Level 1 | Municipal securities
Assets measured at fair value on a recurring basis
Trading account securities	0	0
Available-for-sale securities	0	0
Recurring | Level 1 | Private-label CMO
Assets measured at fair value on a recurring basis
Available-for-sale securities	0	0
Recurring | Level 1 | Asset-backed securities
Assets measured at fair value on a recurring basis
Available-for-sale securities	0	0
Recurring | Level 1 | Corporate debt
Assets measured at fair value on a recurring basis
Available-for-sale securities	0	0
Recurring | Level 1 | Other securities/Sovereign debt
Assets measured at fair value on a recurring basis
Trading account securities		30
Available-for-sale securities	0	0
Recurring | Level 2
Assets measured at fair value on a recurring basis
Trading account securities		69
Available-for-sale securities	13,510	11,090
Other Securities, Fair Value	0	0
Loans held for sale	1,198	781
Consumer loans	71	55
MSRs	0	0
Derivative assets gross	1,903	848
Liabilities measured at fair value on a recurring basis
Gross amounts of recognized liabilities	1,031	519
Recurring | Level 2 | U.S. Treasury securities
Assets measured at fair value on a recurring basis
Available-for-sale securities	0	0
Recurring | Level 2 | Residential CMOs
Assets measured at fair value on a recurring basis
Available-for-sale securities	3,666	5,085
Recurring | Level 2 | Residential MBS
Assets measured at fair value on a recurring basis
Available-for-sale securities	7,935	4,222
Recurring | Level 2 | Commercial MBS
Assets measured at fair value on a recurring basis
Available-for-sale securities	1,163	976
Recurring | Level 2 | Other agencies
Assets measured at fair value on a recurring basis
Trading account securities		4
Available-for-sale securities	62	165
Recurring | Level 2 | Municipal securities
Assets measured at fair value on a recurring basis
Trading account securities	62	63
Available-for-sale securities	53	56
Recurring | Level 2 | Private-label CMO
Assets measured at fair value on a recurring basis
Available-for-sale securities	0	0
Recurring | Level 2 | Asset-backed securities
Assets measured at fair value on a recurring basis
Available-for-sale securities	182	531
Recurring | Level 2 | Corporate debt
Assets measured at fair value on a recurring basis
Available-for-sale securities	445	51
Recurring | Level 2 | Other securities/Sovereign debt
Assets measured at fair value on a recurring basis
Trading account securities		2
Available-for-sale securities	4	4
Recurring | Level 3
Assets measured at fair value on a recurring basis
Trading account securities		0
Available-for-sale securities	2,970	3,049
Other Securities, Fair Value	0	0
Loans held for sale	0	0
Consumer loans	23	26
MSRs	210	7
Derivative assets gross	43	8
Liabilities measured at fair value on a recurring basis
Gross amounts of recognized liabilities	2	2
Recurring | Level 3 | U.S. Treasury securities
Assets measured at fair value on a recurring basis
Available-for-sale securities	0	0
Recurring | Level 3 | Residential CMOs
Assets measured at fair value on a recurring basis
Available-for-sale securities	0	0
Recurring | Level 3 | Residential MBS
Assets measured at fair value on a recurring basis
Available-for-sale securities	0	0
Recurring | Level 3 | Commercial MBS
Assets measured at fair value on a recurring basis
Available-for-sale securities	0	0
Recurring | Level 3 | Other agencies
Assets measured at fair value on a recurring basis
Trading account securities		0
Available-for-sale securities	0	0
Recurring | Level 3 | Municipal securities
Assets measured at fair value on a recurring basis
Trading account securities	0	0
Available-for-sale securities	2,951	2,999
Recurring | Level 3 | Private-label CMO
Assets measured at fair value on a recurring basis
Available-for-sale securities	9	2
Recurring | Level 3 | Asset-backed securities
Assets measured at fair value on a recurring basis
Available-for-sale securities	10	48
Recurring | Level 3 | Corporate debt
Assets measured at fair value on a recurring basis
Available-for-sale securities	0	0
Recurring | Level 3 | Other securities/Sovereign debt
Assets measured at fair value on a recurring basis
Trading account securities		0
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	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Total gains/losses for the period:
Included in OCI	$ 68	$ 74	$ (52)
Derivative instruments
Opening balance	6	2	(1)
Transfers out of Level 3	(198)	(62)	(35)
Total gains/losses for the period:
Included in earnings	233	66	35
Included in OCI	0	0	0
Purchases/originations	0	0	0
Sales			0
Repayments	0	0	0
Settlements	0	0	3
Opening balance	41	6	2
Change in unrealized gains or losses for the period included in earnings for assets held at end of the reporting date	34	3	0
Residential mortgage
Total gains/losses for the period:
MSRs	210	7	10
Revision of Prior Period, Adjustment | Residential mortgage
Total gains/losses for the period:
MSRs	205	0
MSRs
Level 3 Assets Roll Forward:
Opening balance	7	10	11
Transfers out of Level 3	0	0	0
Total gains/losses for the period:
Included in earnings	(104)	(3)	(1)
Included in OCI	0	0	0
Purchases/originations	102	0	0
Sales			0
Repayments	0	0	0
Settlements	0	0	0
Closing balance	210	7	10
Change in unrealized gains or losses for the period included in earnings for assets held at end of the reporting date	(104)	(3)	(1)
Municipal securities
Level 3 Assets Roll Forward:
Opening balance	2,999	3,165	3,167
Transfers out of Level 3	0	0	0
Total gains/losses for the period:
Included in earnings	(2)	(1)	(3)
Included in OCI	65	77	(52)
Purchases/originations	623	254	658
Sales			0
Repayments	0	0	0
Settlements	(734)	(496)	(605)
Closing balance	2,951	2,999	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
Private-label CMO
Level 3 Assets Roll Forward:
Opening balance	2	0
Transfers out of Level 3	0	0
Total gains/losses for the period:
Included in earnings	0	0
Included in OCI	0	0
Purchases/originations	7	2
Repayments	0	0
Settlements	0	0
Closing balance	9	2	0
Asset-backed securities
Level 3 Assets Roll Forward:
Opening balance	48	0	24
Transfers out of Level 3	0	0	0
Total gains/losses for the period:
Included in earnings	0	0	(2)
Included in OCI	0	0	11
Purchases/originations	28	55	0
Sales			(33)
Repayments	0	0	0
Settlements	(66)	(7)	0
Closing balance	10	48	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
Automobile
Level 3 Assets Roll Forward:
Opening balance	26	30	38
Transfers out of Level 3	0	0	0
Total gains/losses for the period:
Included in earnings	0	1	0
Included in OCI	0	0	0
Purchases/originations	0	0	0
Sales			0
Repayments	(3)	(5)	(8)
Settlements	0	0	0
Closing balance	23	26	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

FAIR VALUES OF ASSETS AND LIA_6

FAIR VALUES OF ASSETS AND LIABILITIES - Level 3 Classification of Gains/Losses (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Net derivatives gain (loss) included in earnings	$ 233	$ 66	$ 35
MSRs
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Assets gain (loss) included in earnings	(104)	(3)	(1)
Municipal securities
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Assets gain (loss) included in earnings	(2)	(1)	(3)
Asset-backed securities
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Assets gain (loss) included in earnings	0	0	(2)
Loans held for investment
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Assets gain (loss) included in earnings		1
Mortgage banking income
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Net derivatives gain (loss) included in earnings	233	66	35
Mortgage banking income | MSRs
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Assets gain (loss) included in earnings	(104)	(3)	(1)
Mortgage banking income | Municipal securities
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Assets gain (loss) included in earnings	0	0	0
Mortgage banking income | Asset-backed securities
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Assets gain (loss) included in earnings			0
Mortgage banking income | Loans held for investment
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Assets gain (loss) included in earnings		0
Securities gains (losses)
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Net derivatives gain (loss) included in earnings			0
Securities gains (losses) | MSRs
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Assets gain (loss) included in earnings			0
Securities gains (losses) | Municipal securities
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Assets gain (loss) included in earnings			0
Securities gains (losses) | Asset-backed securities
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Assets gain (loss) included in earnings			(2)
Interest and fee income
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Net derivatives gain (loss) included in earnings	0	0	0
Interest and fee income | MSRs
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Assets gain (loss) included in earnings	0	0	0
Interest and fee income | Municipal securities
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Assets gain (loss) included in earnings	$ (2)	(1)	(3)
Interest and fee income | Asset-backed securities
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Assets gain (loss) included in earnings			$ 0
Interest and fee income | Loans held for investment
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Assets gain (loss) included in earnings		$ 1

FAIR VALUES OF ASSETS AND LIA_7

FAIR VALUES OF ASSETS AND LIABILITIES - Fair Value Option (Details) - USD ($) $ in Millions	Dec. 31, 2020	Dec. 31, 2019
Fair Value, Option, Quantitative Disclosures [Line Items]
Loans held for sale, fair value	$ 1,198	$ 781
Loans held for investment, fair value	94	81
Fair Value, Recurring
Fair Value, Option, Quantitative Disclosures [Line Items]
Loans held for sale, fair value	1,198	781
Fair Value, Recurring | Loans held for sale
Fair Value, Option, Quantitative Disclosures [Line Items]
Loans held for sale, aggregate unpaid principal	1,134	755
Aggregate difference	(64)	(26)
Fair Value, Recurring | Loans held for investment
Fair Value, Option, Quantitative Disclosures [Line Items]
Loans held for investment, aggregate unpaid principal	99	87
Loans held for investment, fair value	94	81
Aggregate difference	(5)	(6)
Fair Value, Recurring | 90 or more days | Loans held for sale
Fair Value, Option, Quantitative Disclosures [Line Items]
Loans held for sale, aggregate unpaid principal	2	2
Loans held for sale, fair value	2	2
Aggregate difference	0	0
Fair Value, Recurring | 90 or more days | Loans held for investment
Fair Value, Option, Quantitative Disclosures [Line Items]
Loans held for investment, aggregate unpaid principal	8	4
Loans held for investment, fair value	7	3
Aggregate difference	$ (1)	$ (1)

FAIR VALUES OF ASSETS AND LIA_8

FAIR VALUES OF ASSETS AND LIABILITIES - Fair Value Option-Changes in Fair Value (Details) - Fair Value, Recurring - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Loans held for sale
Fair Value, Option, Quantitative Disclosures [Line Items]
Net gains (losses) from fair value changes	$ 38	$ 7	$ 5
Loans held for investment
Fair Value, Option, Quantitative Disclosures [Line Items]
Net gains (losses) from fair value changes	$ 1	$ 1	$ 0

FAIR VALUES OF ASSETS AND LIA_9

FAIR VALUES OF ASSETS AND LIABILITIES - Non-recurring/Fair Values of Financial Instruments (Details) - USD ($) $ in Millions	Dec. 31, 2020	Dec. 31, 2019
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans held for sale	$ 1,198	$ 781
Nonrecurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Collateral-dependent loans		$ 26
Nonrecurring | Fair Value
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Collateral-dependent loans	144
Loans held for sale	124
Nonrecurring | Total Gains/(Losses)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Collateral-dependent loans	43
Loans held for sale	63
Nonrecurring | Level 1 | Fair Value
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Collateral-dependent loans	0
Nonrecurring | Level 2 | Fair Value
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Collateral-dependent loans	0
Nonrecurring | Level 3 | Fair Value
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Collateral-dependent loans	144
Loans held for sale	$ 124

FAIR VALUES OF ASSETS AND LI_10

FAIR VALUES OF ASSETS AND LIABILITIES - Significant Unobservable Level 3 Inputs (Details) $ in Millions	Dec. 31, 2020USD ($)	Dec. 31, 2019USD ($)
Fair Value Inputs, Assets and Liabilities, Quantitative Information [Line Items]
Derivative assets gross	$ 1,946	$ 856
Recurring
Fair Value Inputs, Assets and Liabilities, Quantitative Information [Line Items]
MSRs	210	7
Available-for-sale securities	16,485	14,149
Recurring | Level 3
Fair Value Inputs, Assets and Liabilities, Quantitative Information [Line Items]
MSRs	210	7
Derivative assets gross	43	8
Available-for-sale securities	2,970	3,049
Nonrecurring
Fair Value Inputs, Assets and Liabilities, Quantitative Information [Line Items]
Collateral-dependent loans		26
Nonrecurring | Level 3
Fair Value Inputs, Assets and Liabilities, Quantitative Information [Line Items]
MSRs		206
Fair Value
Fair Value Inputs, Assets and Liabilities, Quantitative Information [Line Items]
Available-for-sale securities	16,485	14,149
Fair Value | Level 3
Fair Value Inputs, Assets and Liabilities, Quantitative Information [Line Items]
Available-for-sale securities	2,970	3,049
Fair Value | Nonrecurring
Fair Value Inputs, Assets and Liabilities, Quantitative Information [Line Items]
Collateral-dependent loans	144
Fair Value | Nonrecurring | Level 3
Fair Value Inputs, Assets and Liabilities, Quantitative Information [Line Items]
Collateral-dependent loans	144
Municipal securities | Recurring
Fair Value Inputs, Assets and Liabilities, Quantitative Information [Line Items]
Available-for-sale securities	3,004	3,055
Municipal securities | Recurring | Level 3
Fair Value Inputs, Assets and Liabilities, Quantitative Information [Line Items]
Available-for-sale securities	2,951	2,999
Asset-backed securities | Recurring
Fair Value Inputs, Assets and Liabilities, Quantitative Information [Line Items]
Available-for-sale securities	192	579
Asset-backed securities | Recurring | Level 3
Fair Value Inputs, Assets and Liabilities, Quantitative Information [Line Items]
Available-for-sale securities	10	48
Residential MBS | Recurring
Fair Value Inputs, Assets and Liabilities, Quantitative Information [Line Items]
Available-for-sale securities	7,935	4,222
Residential MBS | Recurring | Level 3
Fair Value Inputs, Assets and Liabilities, Quantitative Information [Line Items]
Available-for-sale securities	$ 0	$ 0
Residential MBS | Measurement Input, Constant Prepayment Rate | Recurring | Maximum | Valuation Technique, Discounted Cash Flow | Level 3
Fair Value Inputs, Assets and Liabilities, Quantitative Information [Line Items]
Servicing Asset, Measurement Input	0.24	0.26
Residential MBS | Measurement Input, Constant Prepayment Rate | Recurring | Minimum | Valuation Technique, Discounted Cash Flow | Level 3
Fair Value Inputs, Assets and Liabilities, Quantitative Information [Line Items]
Servicing Asset, Measurement Input	0.08	0
Residential MBS | Measurement Input, Constant Prepayment Rate | Recurring | Weighted Average | Valuation Technique, Discounted Cash Flow | Level 3
Fair Value Inputs, Assets and Liabilities, Quantitative Information [Line Items]
Servicing Asset, Measurement Input	0.17	0.08
Residential MBS | Measurement Input, Constant Prepayment Rate | Nonrecurring | Maximum | Valuation Technique, Discounted Cash Flow | Level 3
Fair Value Inputs, Assets and Liabilities, Quantitative Information [Line Items]
Servicing Asset, Measurement Input		0.31
Residential MBS | Measurement Input, Constant Prepayment Rate | Nonrecurring | Minimum | Valuation Technique, Discounted Cash Flow | Level 3
Fair Value Inputs, Assets and Liabilities, Quantitative Information [Line Items]
Servicing Asset, Measurement Input		0.10
Residential MBS | Measurement Input, Constant Prepayment Rate | Nonrecurring | Weighted Average | Valuation Technique, Discounted Cash Flow | Level 3
Fair Value Inputs, Assets and Liabilities, Quantitative Information [Line Items]
Servicing Asset, Measurement Input		0.12
Residential MBS | Measurement Input, Option Adjusted Spread | Recurring | Maximum | Valuation Technique, Discounted Cash Flow | Level 3
Fair Value Inputs, Assets and Liabilities, Quantitative Information [Line Items]
Servicing Asset, Measurement Input	0.11	0.11
Residential MBS | Measurement Input, Option Adjusted Spread | Recurring | Minimum | Valuation Technique, Discounted Cash Flow | Level 3
Fair Value Inputs, Assets and Liabilities, Quantitative Information [Line Items]
Servicing Asset, Measurement Input	0.04	0.05
Residential MBS | Measurement Input, Option Adjusted Spread | Recurring | Weighted Average | Valuation Technique, Discounted Cash Flow | Level 3
Fair Value Inputs, Assets and Liabilities, Quantitative Information [Line Items]
Servicing Asset, Measurement Input	0.05	0.08
Residential MBS | Measurement Input, Option Adjusted Spread | Nonrecurring | Maximum | Valuation Technique, Discounted Cash Flow | Level 3
Fair Value Inputs, Assets and Liabilities, Quantitative Information [Line Items]
Servicing Asset, Measurement Input		0.11
Residential MBS | Measurement Input, Option Adjusted Spread | Nonrecurring | Minimum | Valuation Technique, Discounted Cash Flow | Level 3
Fair Value Inputs, Assets and Liabilities, Quantitative Information [Line Items]
Servicing Asset, Measurement Input		0.05
Residential MBS | Measurement Input, Option Adjusted Spread | Nonrecurring | Weighted Average | Valuation Technique, Discounted Cash Flow | Level 3
Fair Value Inputs, Assets and Liabilities, Quantitative Information [Line Items]
Servicing Asset, Measurement Input		0.09
Derivative Assets | Measurement Input, Net Market Price | Recurring | Maximum | Valuation Technique, Consensus Pricing Model | Level 3
Fair Value Inputs, Assets and Liabilities, Quantitative Information [Line Items]
Derivative Asset, Measurement Input	0.11	0.11
Derivative Assets | Measurement Input, Net Market Price | Recurring | Minimum | Valuation Technique, Consensus Pricing Model | Level 3
Fair Value Inputs, Assets and Liabilities, Quantitative Information [Line Items]
Derivative Asset, Measurement Input	(0.04)	(0.02)
Loans held for investment, Measurement Input	0.03
Derivative Assets | Measurement Input, Net Market Price | Recurring | Weighted Average | Valuation Technique, Consensus Pricing Model | Level 3
Fair Value Inputs, Assets and Liabilities, Quantitative Information [Line Items]
Derivative Asset, Measurement Input		0.02
Derivative Assets | Measurement Input, Estimated Pull Thru | Recurring | Maximum | Valuation Technique, Consensus Pricing Model | Level 3
Fair Value Inputs, Assets and Liabilities, Quantitative Information [Line Items]
Derivative Asset, Measurement Input	1	1
Derivative Assets | Measurement Input, Estimated Pull Thru | Recurring | Minimum | Consensus Pricing | Level 3
Fair Value Inputs, Assets and Liabilities, Quantitative Information [Line Items]
Loans held for investment, Measurement Input	0.88
Derivative Assets | Measurement Input, Estimated Pull Thru | Recurring | Minimum | Valuation Technique, Consensus Pricing Model | Level 3
Fair Value Inputs, Assets and Liabilities, Quantitative Information [Line Items]
Derivative Asset, Measurement Input	0.01	0.02
Derivative Assets | Measurement Input, Estimated Pull Thru | Recurring | Weighted Average | Valuation Technique, Consensus Pricing Model | Level 3
Fair Value Inputs, Assets and Liabilities, Quantitative Information [Line Items]
Derivative Asset, Measurement Input		0.91
Corporate obligations | Recurring
Fair Value Inputs, Assets and Liabilities, Quantitative Information [Line Items]
Available-for-sale securities	$ 445	$ 51
Corporate obligations | Recurring | Level 3
Fair Value Inputs, Assets and Liabilities, Quantitative Information [Line Items]
Available-for-sale securities	$ 0	$ 0
Corporate obligations | Measurement Input, Discount Rate | Recurring | Maximum | Valuation Technique, Discounted Cash Flow | Level 3
Fair Value Inputs, Assets and Liabilities, Quantitative Information [Line Items]
Debt Securities, Available-for-sale, Measurement Input	0.01	0.03
Corporate obligations | Measurement Input, Discount Rate | Recurring | Minimum | Valuation Technique, Discounted Cash Flow | Level 3
Fair Value Inputs, Assets and Liabilities, Quantitative Information [Line Items]
Debt Securities, Available-for-sale, Measurement Input	0	0.02
Corporate obligations | Measurement Input, Discount Rate | Recurring | Weighted Average | Valuation Technique, Discounted Cash Flow | Level 3
Fair Value Inputs, Assets and Liabilities, Quantitative Information [Line Items]
Debt Securities, Available-for-sale, Measurement Input	0.01	0.02
Corporate obligations | Measurement Input, Default Rate | Recurring | Maximum | Valuation Technique, Discounted Cash Flow | Level 3
Fair Value Inputs, Assets and Liabilities, Quantitative Information [Line Items]
Debt Securities, Available-for-sale, Measurement Input	0.39	0.39
Corporate obligations | Measurement Input, Default Rate | Recurring | Minimum | Valuation Technique, Discounted Cash Flow | Level 3
Fair Value Inputs, Assets and Liabilities, Quantitative Information [Line Items]
Debt Securities, Available-for-sale, Measurement Input	0	0
Corporate obligations | Measurement Input, Default Rate | Recurring | Weighted Average | Valuation Technique, Discounted Cash Flow | Level 3
Fair Value Inputs, Assets and Liabilities, Quantitative Information [Line Items]
Debt Securities, Available-for-sale, Measurement Input	0.04	0.04
Corporate obligations | Measurement Input, Loss Severity | Recurring | Maximum | Valuation Technique, Discounted Cash Flow | Level 3
Fair Value Inputs, Assets and Liabilities, Quantitative Information [Line Items]
Debt Securities, Available-for-sale, Measurement Input	0.80	0.80
Corporate obligations | Measurement Input, Loss Severity | Recurring | Minimum | Valuation Technique, Discounted Cash Flow | Level 3
Fair Value Inputs, Assets and Liabilities, Quantitative Information [Line Items]
Debt Securities, Available-for-sale, Measurement Input	0.05	0.05
Corporate obligations | Measurement Input, Loss Severity | Recurring | Weighted Average | Valuation Technique, Discounted Cash Flow | Level 3
Fair Value Inputs, Assets and Liabilities, Quantitative Information [Line Items]
Debt Securities, Available-for-sale, Measurement Input	0.25	0.24

FAIR VALUES OF ASSETS AND LI_11

FAIR VALUES OF ASSETS AND LIABILITIES - Balance Sheet Location (Details) (Details) - USD ($) $ in Millions	Dec. 31, 2020	Dec. 31, 2019
Financial Assets:
Held-to-maturity securities	$ 8,861	$ 9,070
Loans held for sale	1,275	877
Net loans and leases	79,794	74,621
Derivatives	1,057	452
Financial Liabilities:
Deposits	98,948	82,347
Short-term borrowings	183	2,606
Long-term borrowings	8,352	9,849
Derivatives	116	104
Gross amounts of recognized assets	1,946	856
Derivative assets netting	(889)	(404)
Gross amounts of recognized liabilities	1,033	521
Derivative liabilities netting	(917)	(417)
Fair Value, Recurring
Financial Assets:
Trading account securities		99
Available-for-sale securities	16,485	14,149
Derivatives	1,057	452
Financial Liabilities:
Derivatives	116	104
Derivative assets netting	(889)	(404)
Derivative liabilities netting	(917)	(417)
Level 1 | Fair Value, Recurring
Financial Assets:
Trading account securities		30
Available-for-sale securities	5	10
Financial Liabilities:
Gross amounts of recognized assets	0	0
Gross amounts of recognized liabilities	0	0
Level 2 | Fair Value, Recurring
Financial Assets:
Trading account securities		69
Available-for-sale securities	13,510	11,090
Financial Liabilities:
Gross amounts of recognized assets	1,903	848
Gross amounts of recognized liabilities	1,031	519
Level 3 | Fair Value, Recurring
Financial Assets:
Trading account securities		0
Available-for-sale securities	2,970	3,049
Financial Liabilities:
Gross amounts of recognized assets	43	8
Gross amounts of recognized liabilities	2	2
Carrying Amount
Financial Assets:
Cash and short term assets	6,712	1,272
Trading account securities	62	99
Available-for-sale securities	16,485	14,149
Held-to-maturity securities	8,861	9,070
Other Securities	418	441
Loans held for sale	1,275	877
Net loans and leases	79,794	74,621
Derivatives	1,057	452
Financial Liabilities:
Deposits	98,948	82,347
Short-term borrowings	183	2,606
Long-term borrowings	8,352	9,849
Derivatives	116	104
Fair Value
Financial Assets:
Cash and short term assets	6,712	1,272
Trading account securities	62	99
Available-for-sale securities	16,485	14,149
Held-to-maturity securities	9,255	9,186
Other Securities	418	441
Loans held for sale	1,275	879
Net loans and leases	80,477	75,177
Derivatives	1,057	452
Financial Liabilities:
Deposits	99,021	82,344
Short-term borrowings	183	2,606
Long-term borrowings	8,568	10,075
Derivatives	116	104
Other securities	59	54
Fair Value | 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
Net loans and leases	0	0
Financial Liabilities:
Deposits	0	0
Short-term borrowings	0	0
Long-term borrowings	0	0
Other securities	59	54
Fair Value | Level 2
Financial Assets:
Trading account securities	62	69
Available-for-sale securities	13,510	11,090
Held-to-maturity securities	9,255	9,186
Loans held for sale	1,198	781
Net loans and leases	71	55
Financial Liabilities:
Deposits	96,656	76,790
Short-term borrowings	183	0
Long-term borrowings	7,999	9,439
Other securities	0	0
Fair Value | Level 3
Financial Assets:
Trading account securities	0	0
Available-for-sale securities	2,970	3,049
Held-to-maturity securities	0	0
Loans held for sale	77	98
Net loans and leases	80,406	75,122
Financial Liabilities:
Deposits	2,365	5,554
Short-term borrowings	0	2,606
Long-term borrowings	569	636
Other securities	0	0
Amortized Cost | Carrying Amount
Financial Assets:
Cash and short term assets	6,712	1,272
Held-to-maturity securities	8,861	9,070
Other Securities	359	387
Net loans and leases	79,700	74,540
Financial Liabilities:
Deposits	98,948	82,347
Short-term borrowings	183	2,606
Long-term borrowings	8,352	9,849
Lower of Cost or Market | Carrying Amount
Financial Assets:
Loans held for sale	77	96
Fair Value or Fair Value Option | Carrying Amount
Financial Assets:
Trading account securities	62	99
Available-for-sale securities	16,485	14,149
Other Securities	59	54
Loans held for sale	1,198	781
Net loans and leases	94	81
Derivatives	1,057	452
Financial Liabilities:
Derivatives	$ 116	$ 104

DERIVATIVE FINANCIAL INSTRUME_3

DERIVATIVE FINANCIAL INSTRUMENTS - Hedging instruments (Details) - USD ($) $ in Millions	Dec. 31, 2020	Dec. 31, 2019
Derivatives, Fair Value [Line Items]
Notional value	$ 33,327	$ 25,927
Asset derivatives included in accrued income and other assets
Total derivative assets	1,946	856
Liability derivatives included in accrued expenses and other liabilities
Total derivative liabilities	1,033	521
Accrued income and other assets
Asset derivatives included in accrued income and other assets
Interest rate contracts designated as hedging instruments	719	256
Interest rate contracts not designated as hedging instruments	1,074	420
Foreign exchange contracts not designated as hedging instruments	46	19
Commodities contracts not designated as hedging instruments	107	155
Derivative Instruments Not Designated as Hedging Instruments, Asset, at Fair Value	0	6
Total derivative assets	1,946	856
Accrued expenses and other liabilities
Liability derivatives included in accrued expenses and other liabilities
Interest rate contracts designated as hedging instruments	51	36
Interest rate contracts not designated as hedging instruments	828	314
Foreign exchange contracts not designated as hedging instruments	47	18
Commodities contracts not designated as hedging instruments	103	152
Derivative Instruments Not Designated as Hedging Instruments, Liability, at Fair Value	4	1
Total derivative liabilities	1,033	521
Derivatives designated as Hedging Instruments | Accrued income and other assets
Derivatives, Fair Value [Line Items]
Notional value	27,056	25,927
Derivatives not designated as Hedging Instruments | Accrued income and other assets
Derivatives, Fair Value [Line Items]
Notional value	76,738	59,161
Derivatives not designated as Hedging Instruments | Interest rate contracts | Accrued income and other assets
Derivatives, Fair Value [Line Items]
Notional value	44,495	27,614
Derivatives not designated as Hedging Instruments | Foreign exchange contracts | Accrued income and other assets
Derivatives, Fair Value [Line Items]
Notional value	2,718	2,173
Derivatives not designated as Hedging Instruments | Commodities contracts | Accrued income and other assets
Derivatives, Fair Value [Line Items]
Notional value	1,952	3,020
Derivatives not designated as Hedging Instruments | Equity contracts | Accrued income and other assets
Derivatives, Fair Value [Line Items]
Notional value	$ 517	$ 427

DERIVATIVE FINANCIAL INSTRUME_4

DERIVATIVE FINANCIAL INSTRUMENTS - Gain (Loss) (Details) - Derivatives not designated as Hedging Instruments - Fair Value Hedging - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Derivative Instruments, Gain (Loss) [Line Items]
Derivative Instruments Not Designated as Hedging Instruments, Gain (Loss), Net	$ 129	$ 112	$ 59
Interest rate contracts | Capital markets fees
Derivative Instruments, Gain (Loss) [Line Items]
Derivative Instruments Not Designated as Hedging Instruments, Gain (Loss), Net	47	49	41
Interest rate contracts | Mortgage banking income
Derivative Instruments, Gain (Loss) [Line Items]
Derivative Instruments Not Designated as Hedging Instruments, Gain (Loss), Net	52	37	(19)
Interest rate floors | Interest and fee income on loans and leases
Derivative Instruments, Gain (Loss) [Line Items]
Derivative Instruments Not Designated as Hedging Instruments, Gain (Loss), Net	(2)	4	0
Interest rate caps | Interest expense on long-term debt
Derivative Instruments, Gain (Loss) [Line Items]
Derivative Instruments Not Designated as Hedging Instruments, Gain (Loss), Net	5	0	0
Foreign exchange contracts | Capital markets fees
Derivative Instruments, Gain (Loss) [Line Items]
Derivative Instruments Not Designated as Hedging Instruments, Gain (Loss), Net	27	28	27
Commodities contracts | Capital markets fees
Derivative Instruments, Gain (Loss) [Line Items]
Derivative Instruments Not Designated as Hedging Instruments, Gain (Loss), Net	4	(2)	6
Equity contracts | Other noninterest expense
Derivative Instruments, Gain (Loss) [Line Items]
Derivative Instruments Not Designated as Hedging Instruments, Gain (Loss), Net	$ (4)	$ (4)	$ 4

DERIVATIVE FINANCIAL INSTRUME_5

DERIVATIVE FINANCIAL INSTRUMENTS - Asset and Liability Management (Details) - USD ($) $ in Millions	Dec. 31, 2020	Dec. 31, 2019
Notional Disclosures [Abstract]
Notional value	$ 33,327	$ 25,927
Derivatives designated as economic hedge
Notional Disclosures [Abstract]
Notional value	6,271	0
Fair Value Hedging
Notional Disclosures [Abstract]
Notional value	9,681	7,540
Cash Flow Hedging
Notional Disclosures [Abstract]
Notional value	17,375	18,387
Investment securities
Notional Disclosures [Abstract]
Notional value	3,484	12
Investment securities | Derivatives designated as economic hedge
Notional Disclosures [Abstract]
Notional value	0	0
Investment securities | Fair Value Hedging | Derivatives designated as Hedging Instruments
Notional Disclosures [Abstract]
Notional value	3,484	0
Investment securities | Cash Flow Hedging | Derivatives designated as Hedging Instruments
Notional Disclosures [Abstract]
Notional value	0	12
Loans
Notional Disclosures [Abstract]
Notional value	18,646	18,375
Loans | Derivatives designated as economic hedge
Notional Disclosures [Abstract]
Notional value	1,271	0
Loans | Fair Value Hedging | Derivatives designated as Hedging Instruments
Notional Disclosures [Abstract]
Notional value	0	0
Loans | Cash Flow Hedging | Derivatives designated as Hedging Instruments
Notional Disclosures [Abstract]
Notional value	17,375	18,375
Long-term debt
Notional Disclosures [Abstract]
Notional value	11,197	7,540
Long-term debt | Derivatives designated as economic hedge
Notional Disclosures [Abstract]
Notional value	5,000	0
Long-term debt | Fair Value Hedging | Derivatives designated as Hedging Instruments
Notional Disclosures [Abstract]
Notional value	6,197	7,540
Long-term debt | Cash Flow Hedging | Derivatives designated as Hedging Instruments
Notional Disclosures [Abstract]
Notional value	$ 0	$ 0

DERIVATIVE FINANCIAL INSTRUME_6

DERIVATIVE FINANCIAL INSTRUMENTS - Asset and Liability Management Add Info (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Increase decrease to net interest income due to derivative adjustment	$ 239	$ (53)	$ (36)

DERIVATIVE FINANCIAL INSTRUME_7

DERIVATIVE FINANCIAL INSTRUMENTS - Fair Value Hedges (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Derivative Instruments, Gain (Loss) [Line Items]
Fair value hedging adjustments	$ 62	$ 93
Investment Securities
Derivative Instruments, Gain (Loss) [Line Items]
Amortized Cost	6,637	0
Cumulative Amount of Fair Value Hedging Adjustment To Hedged Items	3	0
Amortized cost basis of the closed portfolios used in hedging relationships	6,200
Designated hedged items	3,100
Hedged Asset, Fair Value Hedge, Last-of-Layer, Cumulative Increase (Decrease)	2
Subordinated notes
Derivative Instruments, Gain (Loss) [Line Items]
Amortized Cost	6,383	7,578
Cumulative Amount of Fair Value Hedging Adjustment To Hedged Items	232	114
Interest income available for sale securities taxable | Investment Securities
Derivative Instruments, Gain (Loss) [Line Items]
Change in fair value for derivatives designated as fair value hedges	6	0	$ 0
Interest income available for sale securities taxable | Hedged investment securities
Derivative Instruments, Gain (Loss) [Line Items]
Change in fair value for derivatives designated as fair value hedges	3	0	0
Interest expense subordinated notes and other long term debt | Subordinated notes
Derivative Instruments, Gain (Loss) [Line Items]
Change in fair value for derivatives designated as fair value hedges	113	127	112
Interest expense subordinated notes and other long term debt | Hedged Subordinated notes
Derivative Instruments, Gain (Loss) [Line Items]
Change in fair value for derivatives designated as fair value hedges	$ (118)	$ (125)	$ (104)

DERIVATIVE FINANCIAL INSTRUME_8

DERIVATIVE FINANCIAL INSTRUMENTS - Cash Flow Hedges (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019
Derivative Instruments, Gain (Loss) [Line Items]
Notional value	$ 33,327	$ 25,927
Gain (Loss) on Interest Rate Cash Flow Hedge Ineffectiveness	234	23
Cash Flow Hedge Gain (Loss) to be Reclassified within Twelve Months	37
Cash Flow Hedging
Derivative Instruments, Gain (Loss) [Line Items]
Notional value	17,375	18,387
Loans
Derivative Instruments, Gain (Loss) [Line Items]
Notional value	$ 18,646	$ 18,375

DERIVATIVE FINANCIAL INSTRUME_9

DERIVATIVE FINANCIAL INSTRUMENTS - MSR Hedging Activities (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Derivative Instruments and Hedging Activities Disclosures [Line Items]
Notional value	$ 33,327	$ 25,927
Commitments to Sell Loans [Member]
Derivative Instruments and Hedging Activities Disclosures [Line Items]
Commitments to sell residential real estate loans	2,900	1,400
Derivative used in Mortgage Banking Activities
Derivative Instruments and Hedging Activities Disclosures [Line Items]
Derivative, Fair Value, Net	26	6
Notional value	1,170	778
Trading assets	43	19
Trading gains (losses)	$ 52	$ 30	$ (8)

DERIVATIVE FINANCIAL INSTRUM_10

DERIVATIVE FINANCIAL INSTRUMENTS - Offsetting Assets (Details) - USD ($) $ in Millions	Dec. 31, 2020	Dec. 31, 2019
Derivative Asset [Abstract]
Gross amounts of recognized assets	$ 1,946	$ 856
Derivative Asset, Fair Value, Gross Liability and Obligation to Return Cash, Offset	(889)	(404)
Derivative Asset, Total	1,057	452
Derivative Asset, Fair Value, Amount Not Offset Against Collateral [Abstract]
Gross amounts not offset in the statement of financial position - financial instruments	(112)	(65)
Gross amounts not offset in the statement of financial position - cash collateral received	(142)	(29)
Net amount	$ 803	$ 358

DERIVATIVE FINANCIAL INSTRUM_11

DERIVATIVE FINANCIAL INSTRUMENTS - Offsetting Liabilities (Details) - USD ($) $ in Millions	Dec. 31, 2020	Dec. 31, 2019
Derivative Liability [Abstract]
Gross amounts of recognized liabilities	$ 1,033	$ 521
Derivative Liability, Fair Value, Gross Asset and Right to Reclaim Cash, Offset	(917)	(417)
Derivative Liability, Total	116	104
Derivative Liability, Fair Value, Amount Not Offset Against Collateral [Abstract]
Gross amounts not offset in the consolidated balance sheets, financial instruments	(9)	0
Gross amounts not offset in the consolidated balance sheets, cash collateral received	(105)	(75)
Net amount	$ 2	$ 29

DERIVATIVE FINANCIAL INSTRUM_12

DERIVATIVE FINANCIAL INSTRUMENTS - Narrative (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Derivative [Line Items]
Fair value hedging adjustments	$ 62	$ 93
Increase (decrease) to net interest income due to derivative adjustment	239	(53)	$ (36)
Gross amounts of recognized liabilities (less than)	1,033	521
Purchase of interest rate caps and derivative financial instruments, notional value	33,327	25,927
Credit risks from interest rate swaps used for trading purposes	882	407
Derivative liabilities	116	104
Aggregate credit risk, net of collateral	175	22
Investment securities and cash collateral pledged by Huntington	276	387
Gain (Loss) on Interest Rate Cash Flow Hedge Ineffectiveness	234	23
Cash Flow Hedge Gain (Loss) to be Reclassified within Twelve Months	37
Loans
Derivative [Line Items]
Purchase of interest rate caps and derivative financial instruments, notional value	18,646	18,375
Cash Flow Hedging
Derivative [Line Items]
Purchase of interest rate caps and derivative financial instruments, notional value	17,375	18,387
Cash Flow Hedging | Derivatives designated as Hedging Instruments | Loans
Derivative [Line Items]
Purchase of interest rate caps and derivative financial instruments, notional value	17,375	18,375
Derivative used in trading activity
Derivative [Line Items]
Net derivative asset (liability)	70	87
Derivative financial instruments used by Huntington on behalf of customers including offsetting derivatives, notional value	37,000	30,000
Derivative used in Mortgage Banking Activities
Derivative [Line Items]
Derivative, Fair Value, Net	26	6
Purchase of interest rate caps and derivative financial instruments, notional value	1,170	778
Commitments to Sell Loans
Derivative [Line Items]
Commitments to sell residential real estate loans	$ 2,900	$ 1,400

VIEs - Narrative (Details)

VIEs - Narrative (Details)	12 Months Ended
	Dec. 31, 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	Dec. 31, 2020	Dec. 31, 2019
Variable Interest Entity [Line Items]
Total assets	$ 123,038	$ 109,002
Total Liabilities	110,045	97,207
Variable Interest Entity, Not Primary Beneficiary
Variable Interest Entity [Line Items]
Total assets	1,278	920
Total Liabilities	824	647
Maximum Exposure to Loss	1,264	906
Trust Preferred Securities | Variable Interest Entity, Not Primary Beneficiary
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, Not Primary Beneficiary
Variable Interest Entity [Line Items]
Total assets	956	727
Total Liabilities	500	332
Maximum Exposure to Loss	956	727
Other Investments | Variable Interest Entity, Not Primary Beneficiary
Variable Interest Entity [Line Items]
Total assets	308	179
Total Liabilities	72	63
Maximum Exposure to Loss	$ 308	$ 179

VIEs - Trust Preferred Securiti

VIEs - Trust Preferred Securities (Details) $ in Millions	12 Months Ended
	Dec. 31, 2020USD ($)
Variable Interest Entity [Line Items]
Principal amount of subordinated note/ debenture issued to trust	$ 8,191
Variable Interest Entity, Not Primary Beneficiary
Variable Interest Entity [Line Items]
Principal amount of subordinated note/ debenture issued to trust	252
Investment in unconsolidated subsidiary	$ 14
Huntington Capital I | London Interbank Offered Rate (LIBOR) [Member]
Variable Interest Entity [Line Items]
Basis spread on variable rate	0.70%
Huntington Capital I | Variable Interest Entity, Not Primary Beneficiary
Variable Interest Entity [Line Items]
Rate	0.94%
Principal amount of subordinated note/ debenture issued to trust	$ 70
Investment in unconsolidated subsidiary	$ 6
Huntington Capital II | London Interbank Offered Rate (LIBOR) [Member]
Variable Interest Entity [Line Items]
Basis spread on variable rate	0.625%
Huntington Capital II | Variable Interest Entity, Not Primary Beneficiary
Variable Interest Entity [Line Items]
Rate	0.86%
Principal amount of subordinated note/ debenture issued to trust	$ 32
Investment in unconsolidated subsidiary	$ 3
Sky Financial Capital Trust III | London Interbank Offered Rate (LIBOR) [Member]
Variable Interest Entity [Line Items]
Basis spread on variable rate	1.40%
Sky Financial Capital Trust III | Variable Interest Entity, Not Primary Beneficiary
Variable Interest Entity [Line Items]
Rate	1.64%
Principal amount of subordinated note/ debenture issued to trust	$ 72
Investment in unconsolidated subsidiary	$ 2
Sky Financial Capital Trust IV | London Interbank Offered Rate (LIBOR) [Member]
Variable Interest Entity [Line Items]
Basis spread on variable rate	1.33%
Sky Financial Capital Trust IV | Variable Interest Entity, Not Primary Beneficiary
Variable Interest Entity [Line Items]
Rate	1.64%
Principal amount of subordinated note/ debenture issued to trust	$ 74
Investment in unconsolidated subsidiary	$ 2
Camco Financial Trust | Variable Interest Entity, Not Primary Beneficiary
Variable Interest Entity [Line Items]
Rate	1.57%
Principal amount of subordinated note/ debenture issued to trust	$ 4
Investment in unconsolidated subsidiary	$ 1

VIEs - Low Income Housing Tax C

VIEs - Low Income Housing Tax Credit Partnerships (Details) - Variable Interest Entity, Not Primary Beneficiary - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Affordable Housing Tax Credit Partnerships
Variable Interest Entity [Line Items]
Affordable housing tax credit investments	$ 1,568	$ 1,242
Less: amortization	(612)	(515)
Net affordable housing tax credit investments	956	727
Unfunded commitments	500	332
Tax credits and other tax benefits recognized	113	98	$ 92
Proportional Amortization Method
Variable Interest Entity [Line Items]
Proportional amortization expense included in provision for income taxes	$ 97	$ 84	$ 79

COMMITMENTS AND CONTINGENT LI_3

COMMITMENTS AND CONTINGENT LIABILITIES - Commitments to Extend Credit (Details) - USD ($) $ in Millions	Dec. 31, 2020	Dec. 31, 2019
Commercial
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Contract amount represents credit risk	$ 20,701	$ 18,326
Other consumer
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Contract amount represents credit risk	14,808	14,831
Commercial real estate
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Contract amount represents credit risk	1,313	1,364
Standby letters of credit
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Contract amount represents credit risk	581	587
Commercial | Commercial letters of credit
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Contract amount represents credit risk	$ 21	$ 8

COMMITMENTS AND CONTINGENT LI_4

COMMITMENTS AND CONTINGENT LIABILITIES - Narrative (Details) - USD ($) $ in Millions	Dec. 31, 2020	Dec. 31, 2019
Standby letters of credit
Loss Contingencies [Line Items]
Outstanding standby letters of credit	$ 5	$ 8
Minimum
Loss Contingencies [Line Items]
Loss Contingency, Estimate of Possible Loss	0
Maximum
Loss Contingencies [Line Items]
Loss Contingency, Estimate of Possible Loss	$ 10

OTHER REGULATORY MATTERS (Detai

OTHER REGULATORY MATTERS (Details) $ in Millions	Dec. 31, 2020USD ($)	Dec. 31, 2019USD ($)
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Common Equity Tier One Risk Based Capital Required for Capital Adequacy to Risk Weighted Assets	4.50%
Common Equity Tier One Risk Based Capital Conservation Buffer Plus Capital Required for Capital Adequacy to Risk Weighted Assets	7.00%
Common Equity Tier One Capital Ratio	0.1000	0.0988
Common Equity Tier One Capital	$ 8,887	$ 8,647
Tier One Risk Based Capital Required for Capital Adequacy to Risk Weighted Assets	0.0600
Tier One Risk Based Capital Conservation Buffer Plus Capital Required for Capital Adequacy to Risk Weighted Assets	8.50%
Tier One Risk Based Capital Required to be Well Capitalized to Risk Weighted Assets	0.0600
Tier One Risk Based Capital to Risk Weighted Assets	0.1247	0.1126
Tier One Leverage Capital	$ 11,083	$ 9,854
Tier One Risk Based Capital	$ 11,083	$ 9,854
Capital Required for Capital Adequacy to Risk Weighted Assets	0.0800
Capital Conservation Buffer Plus Capital required for Capital Adequacy to Risk Weighted Assets	10.50%
Capital Required to be Well Capitalized to Risk Weighted Assets	0.1000
Capital to Risk Weighted Assets	0.1446	0.1304
Capital	$ 12,856	$ 11,413
Tier One Leverage Capital Required for Capital Adequacy to Average Assets	0.0400
Tier One Leverage Capital to Average Assets	0.0932	0.0926
Bank
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Common Equity Tier One Risk Based Capital Required for Capital Adequacy to Risk Weighted Assets	4.50%
Common Equity Tier One Risk Based Capital Conservation Buffer Plus Capital Required for Capital Adequacy to Risk Weighted Assets	7.00%
Common Equity Tier One Risked Based Capital Required to be Well Capitalized to Risk Weighted Assets	6.50%
Common Equity Tier One Capital Ratio	0.1065	0.1117
Common Equity Tier One Capital	$ 9,438	$ 9,747
Tier One Risk Based Capital Required for Capital Adequacy to Risk Weighted Assets	0.0600
Tier One Risk Based Capital Conservation Buffer Plus Capital Required for Capital Adequacy to Risk Weighted Assets	8.50%
Tier One Risk Based Capital Required to be Well Capitalized to Risk Weighted Assets	0.0800
Tier One Risk Based Capital to Risk Weighted Assets	0.1197	0.1217
Tier One Leverage Capital	$ 10,601	$ 10,621
Capital Required for Capital Adequacy to Risk Weighted Assets	0.0800
Capital Conservation Buffer Plus Capital required for Capital Adequacy to Risk Weighted Assets	10.50%
Capital Required to be Well Capitalized to Risk Weighted Assets	0.1000
Capital to Risk Weighted Assets	0.1358	0.1359
Capital	$ 12,032	$ 11,864
Tier One Leverage Capital Required for Capital Adequacy to Average Assets	0.0400
Tier One Leverage Capital Required to be Well Capitalized to Average Assets	0.0500
Tier One Leverage Capital to Average Assets	0.0894	0.1001

OTHER REGULATORY MATTERS - Narr

OTHER REGULATORY MATTERS - Narrative (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019
BankingRegulation [Abstract]
Average required reserve balance on deposits	$ 3,900	$ 600
Amount bank could lend to single affiliate	1,200
Cash dividends paid to the holding company	$ 1,500

PARENT-ONLY FINANCIAL STATEME_3

PARENT-ONLY FINANCIAL STATEMENTS - Balance Sheet (Details) - USD ($) $ in Millions	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Assets
Accrued interest receivable and other assets	$ 3,679	$ 2,703
Total assets	123,038	109,002
Liabilities and shareholders’ equity
Long-term borrowings	8,352	9,849
Other liabilities	2,562	2,405
Total liabilities	110,045	97,207
Shareholders’ equity	12,993	11,795	$ 11,102	$ 10,814
Total liabilities and shareholders’ equity	123,038	109,002
Parent
Assets
Cash and due from banks	4,466	3,119
Due from The Huntington National Bank	297	47
Due from non-bank subsidiaries	37	34
Investment in The Huntington National Bank	12,509	12,833
Investment in non-bank subsidiaries	147	165
Accrued interest receivable and other assets	429	349
Total assets	17,885	16,547
Liabilities and shareholders’ equity
Long-term borrowings	4,142	4,095
Other liabilities	750	657
Total liabilities	4,892	4,752
Shareholders’ equity	12,993	11,795
Total liabilities and shareholders’ equity	$ 17,885	$ 16,547

PARENT-ONLY FINANCIAL STATEME_4

PARENT-ONLY FINANCIAL STATEMENTS - Income Statement (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Interest from:
Other noninterest income	$ 160	$ 183	$ 163
Expense
Personnel costs	1,692	1,654	1,559
Other	215	225	217
Total noninterest expense	2,795	2,721	2,647
Income before income taxes	972	1,659	1,628
Provision (benefit) for income taxes	155	248	235
Increase (decrease) in undistributed net income (loss) of:
Net income	817	1,411	1,393
Other comprehensive income (loss)	448	353
Parent
Dividends from:
The Huntington National Bank	1,527	685	1,722
Non-bank subsidiaries	36	3	0
Interest from:
The Huntington National Bank	4	8	27
Non-bank subsidiaries	1	2	2
Other noninterest income	11	2	(2)
Total income	1,579	700	1,749
Expense
Personnel costs	17	6	2
Interest on borrowings	115	143	124
Other	123	145	118
Total noninterest expense	255	294	244
Income before income taxes	1,324	406	1,505
Provision (benefit) for income taxes	(46)	(63)	(48)
Income before equity in undistributed net income of subsidiaries	1,370	469	1,553
Increase (decrease) in undistributed net income (loss) of:
The Huntington National Bank	(547)	908	(186)
Non-bank subsidiaries	(6)	34	26
Net income	817	1,411	1,393
Other comprehensive income (loss)	448	353	(80)
Comprehensive income	$ 1,265	$ 1,764	$ 1,313

PARENT-ONLY FINANCIAL STATEME_5

PARENT-ONLY FINANCIAL STATEMENTS - Cash Flow Statement (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Operating activities
Net income	$ 817	$ 1,411	$ 1,393
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation and amortization	367	386	493
Net cash provided by (used in) operating activities	1,323	1,574	1,726
Investing activities
Sales of available-for-sale securities	392	3,903	1,419
Cash paid for acquisitions, net of cash received	0	0	(15)
Net cash provided by (used in) investing activities	(8,639)	(1,877)	(3,663)
Financing activities
Repayments of Long-term Debt	(3,052)	(743)	(2,798)
Net proceeds from issuance of medium-term notes	(2,373)	586	(3,025)
Net proceeds from issuance of preferred stock	988	0	495
Repurchases of common stock	(92)	(441)	(939)
Other, net	(1)	(2)	(5)
Net cash provided by (used for) financing activities	12,741	(1,199)	3,089
Increase (decrease) in cash and cash equivalents	5,425	(1,502)	1,152
Cash and cash equivalents at beginning of period	1,170	2,672	1,520
Cash and cash equivalents at end of period	6,595	1,170	2,672
Supplemental Cash Flow Information [Abstract]
Interest paid	453	989	742
Parent
Operating activities
Net income	817	1,411	1,393
Adjustments to reconcile net income to net cash provided by operating activities:
Equity in undistributed net income of subsidiaries	553	(942)	197
Depreciation and amortization	0	(2)	(2)
Other, net	89	(19)	121
Net cash provided by (used in) operating activities	1,459	448	1,709
Investing activities
Repayments from subsidiaries	8	701	21
Advances to subsidiaries	(256)	(11)	(13)
Sales of available-for-sale securities	(1)	(38)	0
Cash paid for acquisitions, net of cash received	0	0	(15)
Net cash provided by (used in) investing activities	(249)	652	(7)
Financing activities
Repayments of Short-term Debt	0	0	(400)
Repayments of Long-term Debt	(800)	0	0
Net proceeds from issuance of medium-term notes	747	797	501
Net proceeds from issuance of long-term borrowings	(698)	(671)	(584)
Net proceeds from issuance of preferred stock	988	0	495
Repurchases of common stock	(92)	(441)	(939)
Other, net	8	18	41
Net cash provided by (used for) financing activities	137	(333)	(968)
Increase (decrease) in cash and cash equivalents	1,347	767	734
Cash and cash equivalents at beginning of period	3,119	2,352	1,618
Cash and cash equivalents at end of period	4,466	3,119	2,352
Supplemental Cash Flow Information [Abstract]
Interest paid	$ 113	$ 135	$ 126

SEGMENT REPORTING (Details)

SEGMENT REPORTING (Details) $ in Millions	3 Months Ended	12 Months Ended
	Dec. 31, 2020USD ($)numberOfSegments	Dec. 31, 2020USD ($)numberOfSegments	Dec. 31, 2019USD ($)	Dec. 31, 2018USD ($)
Segment Reporting [Abstract]
Number of Reportable Segments | numberOfSegments	4	4
Segment Reporting Information [Line Items]
Net interest income		$ 3,224	$ 3,213	$ 3,189
Provision for credit losses		1,048	287	235
Noninterest income		1,591	1,454	1,321
Noninterest expense		2,795	2,721	2,647
Provision (benefit) for income taxes		155	248	235
Net income		817	1,411	1,393
Total assets	$ 123,038	123,038	109,002
Deposits	98,948	98,948	82,347
Operating Segments | Consumer & Business Banking
Segment Reporting Information [Line Items]
Net interest income		1,436	1,766	1,727
Provision for credit losses		265	114	137
Noninterest income		945	825	744
Noninterest expense		1,774	1,673	1,699
Provision (benefit) for income taxes		72	169	133
Net income		270	635	502
Total assets	30,758	30,758	25,073
Deposits	60,910	60,910	51,675
Operating Segments | Commercial Banking
Segment Reporting Information [Line Items]
Net interest income		903	1,037	1,013
Provision for credit losses		626	132	42
Noninterest income		364	359	321
Noninterest expense		542	564	502
Provision (benefit) for income taxes		21	147	166
Net income		78	553	624
Total assets	36,311	36,311	34,337
Deposits	24,766	24,766	20,762
Operating Segments | Vehicle Finance
Segment Reporting Information [Line Items]
Net interest income		430	397	392
Provision for credit losses		146	44	55
Noninterest income		9	12	11
Noninterest expense		141	148	143
Provision (benefit) for income taxes		32	45	43
Net income		120	172	162
Total assets	19,789	19,789	20,155
Deposits	722	722	376
Operating Segments | RBHPCG
Segment Reporting Information [Line Items]
Net interest income		160	198	203
Provision for credit losses		11	(3)	1
Noninterest income		201	198	193
Noninterest expense		243	256	244
Provision (benefit) for income taxes		22	30	32
Net income		85	113	119
Total assets	7,064	7,064	6,665
Deposits	7,635	7,635	6,370
Treasury / Other
Segment Reporting Information [Line Items]
Net interest income		295	(185)	(146)
Provision for credit losses		0	0	0
Noninterest income		72	60	52
Noninterest expense		95	80	59
Provision (benefit) for income taxes		8	(143)	(139)
Net income		264	(62)	$ (14)
Total assets	29,116	29,116	22,772
Deposits	$ 4,915	$ 4,915	$ 3,164