Huntington Bancshares (HBAN) 10-Q 30 Apr 21 2021 Q1 Quarterly report Financial data

Cover Page

Cover Page	3 Months Ended
	Mar. 31, 2021shares
Entity Information [Line Items]
Document Type	10-Q
Document Quarterly Report	true
Document Period End Date	Mar. 31, 2021
Document Transition Report	false
Entity Registrant Name	Huntington Bancshares Incorporated
Entity Incorporation, State or Country Code	MD
Entity File Number	1-34073
Entity Tax Identification Number	31-0724920
Entity Address, Address Line One	41 South High Street
Entity Address, City or Town	Columbus
Entity Address, State or Province	OH
Entity Address, Postal Zip Code	43287
City Area Code	614
Local Phone Number	480-2265
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Large Accelerated Filer
Entity Small Business	false
Entity Emerging Growth Company	false
Entity Shell Company	false
Entity Common Stock, Shares Outstanding (in shares)	1,018,052,923
Entity Central Index Key	0000049196
Amendment Flag	false
Document Fiscal Year Focus	2021
Document Fiscal Period Focus	Q1
Current Fiscal Year End Date	--12-31
Common Stock-Par Value $0.01 per share
Entity Information [Line Items]
Title of 12(b) Security	Common Stock—Par Value $0.01 per Share
Trading Symbol	HBAN
Security Exchange Name	NASDAQ
5.875% Series C Non-Cumulative, perpetual preferred stock
Entity Information [Line Items]
Title of 12(b) Security	Depositary Shares (each representing a 1/40th interest in a share of 5.875% Series C Non-Cumulative, perpetual preferred stock)
Trading Symbol	HBANN
Security Exchange Name	NASDAQ
6.250% Series D Non-Cumulative, perpetual preferred stock
Entity Information [Line Items]
Title of 12(b) Security	Depositary Shares (each representing a 1/40th interest in a share of 6.250% Series D Non-Cumulative, perpetual preferred stock)
Trading Symbol	HBANO
Security Exchange Name	NASDAQ
Series H Preferred Stock
Entity Information [Line Items]
Title of 12(b) Security	Depositary Shares (each representing a 1/40th interest in a share of 4.500% Series H Non-Cumulative, perpetual preferred stock)
Trading Symbol	HBANP
Security Exchange Name	NASDAQ

Condensed Consolidated Balance

Condensed Consolidated Balance Sheets - USD ($) $ in Millions		Mar. 31, 2021	Dec. 31, 2020
Assets
Cash and due from banks		$ 1,096	$ 1,319
Interest-bearing deposits at Federal Reserve Bank		7,493	5,276
Interest-bearing deposits in banks		52	117
Trading account securities		51	62
Available-for-sale securities		19,375	16,485
Held-to-maturity securities		7,815	8,861
Other securities		411	418
Loans held for sale (includes $1,531 and $1,198 respectively, measured at fair value)	[1]	1,537	1,275
Loans and leases (includes $118 and $94 respectively, measured at fair value)	[1]	80,230	81,608
Allowance for loan and lease losses		(1,703)	(1,814)
Net loans and leases		78,527	79,794
Bank owned life insurance		2,581	2,577
Premises and equipment		747	757
Goodwill		1,990	1,990
Servicing rights and other intangible assets		480	428
Other assets		3,613	3,679
Total assets		125,768	123,038
Liabilities
Deposits		102,184	98,948
Short-term borrowings		219	183
Long-term debt		7,210	8,352
Other liabilities		2,555	2,562
Total liabilities		112,168	110,045
Commitments and Contingent Liabilities (Note 14)
Shareholders’ equity
Preferred stock		2,676	2,191
Common stock		10	10
Capital surplus		8,806	8,781
Less treasury shares, at cost		(59)	(59)
Accumulated other comprehensive (loss) gain		(56)	192
Retained earnings		2,223	1,878
Total shareholders’ equity		13,600	12,993
Total liabilities and shareholders’ equity		$ 125,768	$ 123,038
Common shares authorized (par value of $0.01) (in shares)		1,500,000,000	1,500,000,000
Common shares outstanding (in shares)		1,018,052,923	1,017,196,776
Treasury shares outstanding (in shares)		5,041,104	5,062,054
Preferred stock, authorized shares (in shares)		6,617,808	6,617,808
Preferred shares outstanding (in shares)		1,250,500	750,500
[1]	Amounts represent loans for which Huntington has elected the fair value option. See Note 11 “ Fair Values of Assets and Liabilities ”.

Condensed Consolidated Balanc_2

Condensed Consolidated Balance Sheets (Parenthetical) - USD ($) $ in Millions	Mar. 31, 2021	Dec. 31, 2020
Assets
Loans held for sale, fair value	$ 1,531	$ 1,198
Loans and leases, fair value	$ 118	$ 94
Shareholders’ equity
Common stock, par value (in usd per share)	$ 0.01	$ 0.01

Condensed Consolidated Statemen

Condensed Consolidated Statements of Income - USD ($) shares in Thousands, $ in Millions	3 Months Ended
	Mar. 31, 2021	Mar. 31, 2020
Interest and fee income:
Loans and leases	$ 752	$ 809
Available-for-sale securities
Taxable	49	76
Tax-exempt	13	18
Held-to-maturity securities—taxable	42	59
Other securities—taxable	2	2
Other	11	11
Total interest income	869	975
Interest expense:
Deposits	11	105
Short-term borrowings	0	12
Long-term debt	(114)	68
Total interest expense	(103)	185
Net interest income	972	790
Net interest income after provision for credit losses	1,032	349
Mortgage banking income	100	58
Service charges on deposit accounts	69	87
Card and payment processing income	65	58
Trust and investment management services	52	47
Capital markets fees	29	33
Insurance income	27	23
Bank owned life insurance income	16	16
Gain on sale of loans	3	8
Other noninterest income	34	31
Total noninterest income	395	361
Personnel costs	468	395
Outside data processing and other services	115	85
Equipment	46	41
Net occupancy	42	40
Professional services	17	11
Amortization of intangibles	10	11
Marketing	14	9
Deposit and other insurance expense	8	9
Other noninterest expense	73	51
Total noninterest expense	793	652
Income before income taxes	634	58
Provision for income taxes	102	10
Net income	532	48
Dividends on preferred shares	31	18
Net income applicable to common shares	$ 501	$ 30
Average common shares—basic (in shares)	1,017,512	1,017,643
Average common shares—diluted (in shares)	1,041,003	1,034,576
Per common share:
Net income—basic (in usd per share)	$ 0.49	$ 0.03
Net income—diluted (in usd per share)	$ 0.48	$ 0.03
Financing Receivable, Credit Loss, Expense (Reversal)	$ (60)	$ 441

Condensed Consolidated Statem_2

Condensed Consolidated Statement of Comprehensive Income - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2021	Mar. 31, 2020
Statement of Comprehensive Income [Abstract]
Net income	$ 532	$ 48
Unrealized gains (losses) on available-for-sale securities:
Unrealized net gains (losses) on available-for-sale securities arising during the period, net of reclassification for net realized gains and losses	(216)	173
Change in fair value related to cash flow hedges	(34)	308
Change in accumulated unrealized gains (losses) for pension and other post-retirement obligations	2	2
Other comprehensive income, net of tax	(248)	483
Comprehensive income	$ 284	$ 531

Condensed Consolidated Statem_3

Condensed 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)	Retained Earnings	Retained EarningsCumulative Effect, Period of Adoption, Adjustment
Balance, beginning of period at Dec. 31, 2019	$ 11,795	$ (306)	$ 1,203	$ 10	$ 8,806	$ (56)	$ (256)	$ 2,088	$ (306)
Balance, beginning of period (in shares) at Dec. 31, 2019				1,024,541		(4,537)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	48							48
Other comprehensive income (loss), net of tax	483						483
Repurchases of common stock (in shares)				(7,088)
Repurchase of common stock	(88)				(88)
Cash dividends declared:
Common	(155)							(155)
Preferred	(18)							(18)
Recognition of the fair value of share-based compensation	15				15
Other share-based compensation activity (in shares)				1,299
Other share-based compensation activity	(5)				(5)
Other (in shares)						3
Balance, end of period at Mar. 31, 2020	11,769		1,203	$ 10	8,728	$ (56)	227	1,657
Balance, end of period (in shares) at Mar. 31, 2020				1,018,752		(4,534)
Balance, beginning of period at Dec. 31, 2020	12,993		2,191	$ 10	8,781	$ (59)	192	1,878
Balance, beginning of period (in shares) at Dec. 31, 2020				1,022,258		(5,062)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	532							532
Other comprehensive income (loss), net of tax	(248)						(248)
Net proceeds from issuance of Series H Preferred Stock	485		485
Cash dividends declared:
Common	(156)							(156)
Preferred	(31)							(31)
Recognition of the fair value of share-based compensation	28				28
Other share-based compensation activity (in shares)				836
Other share-based compensation activity	(3)				(3)
Other (in shares)						21
Balance, end of period at Mar. 31, 2021	$ 13,600		$ 2,676	$ 10	$ 8,806	$ (59)	$ (56)	$ 2,223
Balance, end of period (in shares) at Mar. 31, 2021				1,023,094		(5,041)

Condensed Consolidated Statem_4

Condensed Consolidated Statements of Changes in Shareholders' Equity (Parenthetical) - $ / shares	3 Months Ended
	Mar. 31, 2021	Mar. 31, 2020
Statement of Stockholders' Equity [Abstract]
Common (in usd per share)	$ 0.15	$ 0.15

Condensed Consolidated Statem_5

Condensed Consolidated Statements of Cash Flows - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2021	Mar. 31, 2020
Operating activities
Net income	$ 532	$ 48
Adjustments to reconcile net income to net cash (used in) provided by operating activities:
Provision for credit losses	(60)	441
Depreciation and amortization	71	119
Share-based compensation expense	28	15
Deferred income tax expense (benefit)	61	(37)
Net change in:
Trading account securities	11	63
Loans held for sale	(406)	(20)
Other assets	80	(1,023)
Other liabilities	(428)	892
Net cash (used in) provided by operating activities	(111)	498
Investing activities
Change in interest bearing deposits in banks	189	(26)
Proceeds from:
Maturities and calls of available-for-sale securities	1,758	669
Maturities and calls of held-to-maturity securities	1,043	398
Sales of available-for-sale securities	10	19
Purchases of available-for-sale securities	(4,857)	(2,476)
Net proceeds from sales of portfolio loans	158	191
Principal payments received under direct finance and sales-type leases	188	171
Net loan and lease activity, excluding sales and purchases	1,402	(2,926)
Purchases of premises and equipment	(22)	(11)
Purchases of loans and leases	(266)	(311)
Other, net	21	(20)
Net cash used in investing activities	(376)	(4,322)
Financing activities
Increase in deposits	3,236	4,483
Increase in short-term borrowings	53	458
Net proceeds from issuance of long-term debt	35	1,286
Maturity/redemption of long-term debt	(1,135)	(1,540)
Dividends paid on preferred stock	(35)	(18)
Dividends paid on common stock	(153)	(155)
Repurchases of common stock	0	(88)
Net proceeds from issuance of preferred stock	485	0
Payments related to tax-withholding for share based compensation awards	(5)	(6)
Other, net	0	1
Net cash provided by financing activities	2,481	4,421
Increase in cash and cash equivalents	1,994	597
Cash and cash equivalents at beginning of period	6,595	1,170
Cash and cash equivalents at end of period	8,589	1,767
Supplemental disclosures:
Interest paid	49	197
Income taxes paid	3	2
Non-cash activities
Loans transferred to held-for-sale from portfolio	84	313
Loans transferred to portfolio from held-for-sale	37	4
Transfer of securities from available-for-sale to held-to-maturity	$ 0	$ 1,520

BASIS OF PRESENTATION

BASIS OF PRESENTATION	3 Months Ended
	Mar. 31, 2021
Organization, Consolidation and Presentation of Financial Statements [Abstract]
BASIS OF PRESENTATION	BASIS OF PRESENTATION The accompanying Unaudited Condensed Consolidated Financial Statements of Huntington reflect all adjustments consisting of normal recurring accruals which are, in the opinion of Management, necessary for a fair statement of the consolidated financial position, the results of operations, and cash flows for the periods presented. These Unaudited Condensed Consolidated Financial Statements have been prepared according to the rules and regulations of the SEC and, therefore, certain information and footnote disclosures normally included in annual financial statements prepared in accordance with GAAP have been omitted. The Notes to Consolidated Financial Statements appearing in Huntington’s 2020 Form 10-K, which include descriptions of significant accounting policies, as updated by the information contained in this report, should be read in conjunction with these interim financial statements. For statement of cash flow purposes, cash and cash equivalents are defined as the sum of cash and due from banks and interest-bearing deposits at Federal Reserve Bank. Certain prior period amounts have been reclassified to conform to current year’s presentation. In conjunction with applicable accounting standards, all material subsequent events have been either recognized in the Unaudited Condensed Consolidated Financial Statements or disclosed in the Notes to Unaudited Condensed Consolidated Financial Statements. No subsequent events were disclosed for the current period.

PENDING ACQUISITION OF TCF FINA

PENDING ACQUISITION OF TCF FINANCIAL CORPORATION	3 Months Ended
	Mar. 31, 2021
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 “ Merger Agreement”). Under the terms of the Merger Agreement, which was unanimously approved by the boards of directors of both companies, TCF Financial Corporation (“TCF”), 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. 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 also 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. On March 25, 2021, Huntington and TCF shareholders approved the merger. Huntington anticipates the transaction will be completed late in the second quarter of 2021, subject to regulatory approval and the satisfaction of other customary closing conditions set forth in the Merger Agreement.

INVESTMENT SECURITIES AND OTHER

INVESTMENT SECURITIES AND OTHER SECURITIES	3 Months Ended
	Mar. 31, 2021
Investments, Debt and Equity Securities [Abstract]
INVESTMENT SECURITIES AND OTHER SECURITIES	INVESTMENT SECURITIES AND OTHER SECURITIES Debt securities purchased in which Huntington has the intent and ability to hold to their maturity are classified as held-to-maturity securities. All other debt and equity securities are classified as either available-for-sale or other securities. The following tables provide amortized cost, fair value, and gross unrealized gains and losses by investment category at March 31, 2021 and December 31, 2020: Unrealized (dollar amounts in millions) Amortized Gross Gains Gross Losses Fair Value March 31, 2021 Available-for-sale securities: U.S. Treasury $ 5 $ — $ — $ 5 Federal agencies: Residential CMO $ 3,081 $ 100 $ (9) $ 3,172 Residential MBS 10,708 61 (124) 10,645 Commercial MBS 1,277 13 (63) 1,227 Other agencies 44 2 — 46 Total U.S. Treasury, federal agency and other agency securities 15,115 176 (196) 15,095 Municipal securities 3,050 91 (19) 3,122 Private-label CMO 50 — — 50 Asset-backed securities 244 4 (1) 247 Corporate debt 888 — (31) 857 Other securities/Sovereign debt 4 — — 4 Total available-for-sale securities $ 19,351 $ 271 $ (247) $ 19,375 Held-to-maturity securities: Federal agencies: Residential CMO $ 1,604 $ 74 $ — $ 1,678 Residential MBS 3,259 69 (18) 3,310 Commercial MBS 2,719 114 — 2,833 Other agencies 230 8 — 238 Total federal agency and other agency securities 7,812 265 (18) 8,059 Municipal securities 3 — — 3 Total held-to-maturity securities $ 7,815 $ 265 $ (18) $ 8,062 Other securities, at cost: Non-marketable equity securities: Federal Home Loan Bank stock $ 52 $ — $ — $ 52 Federal Reserve Bank stock 300 — — 300 Other securities, at fair value Mutual funds 42 — — 42 Equity securities 16 1 — 17 Total other securities $ 410 $ 1 $ — $ 411 (1) Amortized cost amounts excludes accrued interest receivable, which is recorded within other assets on the Consolidated Balance Sheet s . At March 31, 2021, accrued interest receivable on available-for-sale securities and held-to-maturity securities totaled $40 million and $18 million, respectively. Unrealized (dollar amounts in millions) Amortized Gross Gross Fair Value December 31, 2020 Available-for-sale securities: U.S. Treasury $ 5 $ — $ — $ 5 Federal agencies: Residential CMO $ 3,550 $ 121 $ (5) $ 3,666 Residential MBS 7,843 97 (5) 7,935 Commercial MBS 1,151 21 (9) 1,163 Other agencies 60 2 — 62 Total U.S. Treasury, federal agency and other agency securities 12,609 241 (19) 12,831 Municipal securities 2,928 91 (15) 3,004 Private-label CMO 9 — — 9 Asset-backed securities 185 7 — 192 Corporate debt 440 5 — 445 Other securities/Sovereign debt 4 — — 4 Total available-for-sale securities $ 16,175 $ 344 $ (34) $ 16,485 Held-to-maturity securities: Federal agencies: Residential CMO $ 1,779 $ 88 $ — $ 1,867 Residential MBS 3,715 103 — 3,818 Commercial MBS 3,118 191 — 3,309 Other agencies 246 12 — 258 Total federal agency and other agency securities 8,858 394 — 9,252 Municipal securities 3 — — 3 Total held-to-maturity securities $ 8,861 $ 394 $ — $ 9,255 Other securities, at cost: Non-marketable equity securities: Federal Home Loan Bank stock $ 60 $ — $ — $ 60 Federal Reserve Bank stock 299 — — 299 Other securities, at fair value Mutual funds 50 — — 50 Equity securities 8 1 — 9 Total other securities $ 417 $ 1 $ — $ 418 (1) Amortized cost amounts excludes accrued interest receivable, which is recorded within other assets on the Consolidated Balance Sheet s . At December 31, 2020, accrued interest receivable on available-for-sale securities and held-to-maturity securities totaled $32 million and $20 million, respectively. The following table provides the amortized cost and fair value of securities by contractual maturity at March 31, 2021 and December 31, 2020. Expected maturities may differ from contractual maturities as issuers may have the right to call or prepay obligations with or without incurring penalties. March 31, 2021 December 31, 2020 (dollar amounts in millions) Amortized Cost Fair Value Amortized Cost Fair Value Available-for-sale securities: Under 1 year $ 366 $ 357 $ 308 $ 304 After 1 year through 5 years 1,228 1,237 1,145 1,154 After 5 years through 10 years 2,127 2,144 1,607 1,654 After 10 years 15,630 15,637 13,115 13,373 Total available-for-sale securities $ 19,351 $ 19,375 $ 16,175 $ 16,485 Held-to-maturity securities: After 1 year through 5 years $ 142 $ 148 $ 160 $ 169 After 5 years through 10 years 121 126 131 138 After 10 years 7,552 7,788 8,570 8,948 Total held-to-maturity securities $ 7,815 $ 8,062 $ 8,861 $ 9,255 The following tables provide detail on investment securities with unrealized losses aggregated by investment category and the length of time the individual securities have been in a continuous loss position at March 31, 2021 and December 31, 2020: Less than 12 Months Over 12 Months Total (dollar amounts in millions) Fair Gross Unrealized Fair Gross Unrealized Fair Gross Unrealized March 31, 2021 Available-for-sale securities: Federal agencies: Residential CMO $ 413 $ (9) $ — $ — $ 413 $ (9) Residential MBS 7,919 (124) — — 7,919 (124) Commercial MBS 761 (63) — — 761 (63) Total federal agency and other agency securities 9,093 (196) — — 9,093 (196) Municipal securities 163 (7) 463 (12) 626 (19) Asset-backed securities 65 (1) — — 65 (1) Corporate debt 816 (31) — — 816 (31) Total temporarily impaired available-for-sale securities $ 10,137 $ (235) $ 463 $ (12) $ 10,600 $ (247) Held-to-maturity securities: Federal agencies: Residential MBS $ 1,235 (18) — — 1,235 (18) Total temporarily impaired held-to-maturity securities $ 1,235 $ (18) $ — $ — $ 1,235 $ (18) Less than 12 Months Over 12 Months Total (dollar amounts in millions) Fair Gross Unrealized Fair Gross Unrealized Fair Gross Unrealized December 31, 2020 Available-for-sale securities: Federal agencies: Residential CMO $ 302 $ (5) $ — $ — $ 302 $ (5) Residential MBS 1,633 (5) — — 1,633 (5) Commercial MBS 321 (9) — — 321 (9) Total federal agency and other agency securities 2,256 (19) — — 2,256 (19) Municipal securities 110 (3) 490 (12) 600 (15) Asset-backed securities 15 — — — 15 — Corporate debt 51 — — — 51 — Total temporarily impaired available-for-sale securities $ 2,432 $ (22) $ 490 $ (12) $ 2,922 $ (34) At March 31, 2021 and December 31, 2020, the carrying value of investment securities pledged to secure public and trust deposits, trading account liabilities, U.S. Treasury demand notes, security repurchase agreements and to support borrowing capacity totaled $13.9 billion and $14.4 billion, respectively. There were no securities of a single issuer, which were not governmental or government-sponsored, that exceeded 10% of shareholders’ equity at either March 31, 2021 or December 31, 2020. At March 31, 2021, all HTM debt securities are considered AAA rated. In addition, there were no HTM debt securities considered past due at March 31, 2021. AFS Securities Impairment/HTM Securities Allowance for Credit Losses Based on an evaluation of available information including security type, counterparty credit quality, past events, current conditions, and reasonable and supportable forecasts that are relevant to collectability, Huntington has concluded that it expects to receive all contractual cash flows from each security held in its AFS and HTM debt securities portfolio. As such, no allowance or impairment is recorded with respect to securities as of March 31, 2021 and December 31, 2020.

LOANS _ LEASES

LOANS / LEASES	3 Months Ended
	Mar. 31, 2021
Receivables [Abstract]
LOANS / LEASES	LOANS / LEASES Loans and leases which Huntington has the intent and ability to hold for the foreseeable future, or until maturity or payoff, are classified in the Unaudited Condensed Consolidated Balance Sheets as loans and leases. The total balance of unamortized premiums, discounts, fees, and costs, recognized as part of loans and leases, was a net premium of $473 million and $491 million at March 31, 2021 and December 31, 2020, respectively. Loan and Lease Portfolio Composition The following table provides a detailed listing of Huntington’s loan and lease portfolio at March 31, 2021 and December 31, 2020. (dollar amounts in millions) March 31, 2021 December 31, 2020 Loans and leases: Commercial and industrial $ 34,464 $ 35,373 Commercial real estate 7,179 7,199 Automobile 12,591 12,778 Home equity 8,727 8,894 Residential mortgage 12,092 12,141 RV and marine 4,218 4,190 Other consumer 959 1,033 Loans and leases $ 80,230 $ 81,608 Allowance for loan and lease losses (1,703) (1,814) Net loans and leases $ 78,527 $ 79,794 Equipment Leases Huntington leases equipment to customers, and substantially all such arrangements are classified as either sales-type or direct financing leases, which are included in C&I loans. These leases are reported at the aggregate of lease payments receivable and estimated residual values, net of unearned and deferred income, and any initial direct costs incurred to originate these leases. Huntington assesses net investments in leases (including residual values) for impairment and recognizes any impairment losses in accordance with the impairment guidance for financial instruments. As such, net investments in leases may be reduced by an allowance for credit losses, with changes recognized as provision expense. The following table presents net investments in lease financing receivables by category at March 31, 2021 and December 31, 2020. (dollar amounts in millions) March 31, December 31, Commercial and industrial: Lease payments receivable $ 1,714 $ 1,737 Estimated residual value of leased assets 622 664 Gross investment in commercial and industrial lease financing receivables 2,336 2,401 Deferred origination costs 21 21 Deferred fees (190) (200) Total net investment in commercial and industrial lease financing receivables $ 2,167 $ 2,222 The carrying value of residual values guaranteed was $77 million and $93 million as of March 31, 2021 and December 31, 2020, respectively. The future lease rental payments due from customers on sales-type and direct financing leases at March 31, 2021, 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 $24 million and $27 million for the three-month periods ended March 31, 2021 and 2020, respectively. Nonaccrual and Past Due Loans The following table presents NALs by loan class at March 31, 2021 and December 31, 2020 (1): March 31, 2021 December 31, 2020 (dollar amounts in millions) Nonaccrual loans with no ACL Total nonaccrual loans Nonaccrual loans with no ACL Total nonaccrual loans Commercial and industrial $ 103 $ 343 $ 69 $ 353 Commercial real estate — 8 8 15 Automobile — 3 — 4 Home equity — 71 — 70 Residential mortgage — 90 — 88 RV and marine — 1 — 2 Total nonaccrual loans $ 103 $ 516 $ 77 $ 532 (1) Generally excludes loans that were under payment deferral or granted other assistance, including amendments or waivers of financial covenants in response to the COVID-19 pandemic. The following table presents an aging analysis of loans and leases, including past due loans and leases, by loan class at March 31, 2021 and December 31, 2020: March 31, 2021 Past Due (1) Loans Accounted for Under FVO Total Loans 90 or (dollar amounts in millions) 30-59 60-89 90 or Total Current Commercial and industrial $ 37 $ 20 $ 96 $ 153 $ 34,311 $ — $ 34,464 $ 8 (3) Commercial real estate 1 1 2 4 7,175 — 7,179 — Automobile 50 12 6 68 12,523 — 12,591 5 Home equity 23 11 58 92 8,634 1 8,727 10 Residential mortgage 78 26 194 298 11,677 117 12,092 128 (4) RV and marine 11 3 2 16 4,202 — 4,218 1 Other consumer 6 2 2 10 949 — 959 2 Total loans and leases $ 206 $ 75 $ 360 $ 641 $ 79,471 $ 118 $ 80,230 $ 154 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 (1) NALs are included in this aging analysis based on the loan’s past due status. (2) The principal balance of loans in payment deferral programs offered in response to the COVID-19 pandemic which are performing according to their modified terms are generally not considered delinquent. (3) Amounts include Huntington Technology Finance administrative lease delinquencies. (4) Amounts include mortgage loans insured by U.S. government agencies. Credit Quality Indicators See Note 5 “Loans / Leases and Allowance for Credit Losses” to the Consolidated Financial Statements of the Annual Report on Form 10-K for the year ended December 31, 2020 for a description of the credit quality indicators Huntington utilizes for monitoring credit quality and for determining an appropriate ACL level. To facilitate the monitoring of credit quality for commercial loans, and for purposes of determining an appropriate ACL level for these loans, Huntington utilizes the following internally defined categories of credit grades: • Pass - Higher quality loans that do not fit any of the other categories described below. • OLEM - The credit risk may be relatively minor yet represents a risk given certain specific circumstances. If the potential weaknesses are not monitored or mitigated, the loan may weaken or the collateral may be inadequate to protect Huntington’s position in the future. For these reasons, Huntington considers the loans to be potential problem loans. • Substandard - Inadequately protected loans resulting from the borrower’s ability to repay, equity, and/or the collateral pledged to secure the loan. These loans have identified weaknesses that could hinder normal repayment or collection of the debt. It is likely Huntington will sustain some loss if any identified weaknesses are not mitigated. • Doubtful - Loans that have all of the weaknesses inherent in those loans classified as Substandard, with the added elements of the full collection of the loan is improbable and that the possibility of loss is high. Loans are generally assigned a category of “ Pass ” rating upon initial approval and subsequently updated as appropriate based on the borrower’s financial performance. Commercial loans categorized as OLEM, Substandard, or Doubtful are considered Criticized loans. Commercial loans categorized as Substandard or Doubtful are both considered Classified loans. For all classes within the consumer loan 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 tables present each loan and lease class by vintage and credit quality indicator at March 31, 2021 and December 31, 2020 respectively: As of March 31, 2021 Term Loans Amortized Cost Basis by Origination Year Revolver Total at Amortized Cost Basis Revolver Total Converted to Term Loans (dollar amounts in millions) 2021 2020 2019 2018 2017 Prior Total (3) Commercial and industrial Credit Quality Indicator (1): Pass $ 4,040 $ 10,291 $ 4,087 $ 2,369 $ 1,215 $ 1,605 $ 8,656 $ 2 $ 32,265 OLEM 122 282 98 91 41 92 128 — 854 Substandard 54 216 110 176 184 212 386 — 1,338 Doubtful 1 4 — 1 — — 1 — 7 Total Commercial and industrial $ 4,217 $ 10,793 $ 4,295 $ 2,637 $ 1,440 $ 1,909 $ 9,171 $ 2 $ 34,464 Commercial real estate Credit Quality Indicator (1): Pass $ 406 $ 1,605 $ 1,475 $ 1,077 $ 454 $ 999 $ 624 $ — $ 6,640 OLEM 2 88 31 62 68 35 1 — 287 Substandard 4 23 114 7 27 38 39 — 252 Total Commercial real estate $ 412 $ 1,716 $ 1,620 $ 1,146 $ 549 $ 1,072 $ 664 $ — $ 7,179 Automobile Credit Quality Indicator (2): 750+ $ 771 $ 2,381 $ 1,817 $ 991 $ 608 $ 279 $ — $ — $ 6,847 650-749 479 1,895 1,161 642 315 163 — — 4,655 <650 44 336 271 216 132 90 — — 1,089 Total Automobile $ 1,294 $ 4,612 $ 3,249 $ 1,849 $ 1,055 $ 532 $ — $ — $ 12,591 Home equity Credit Quality Indicator (2): 750+ $ 187 $ 780 $ 21 $ 22 $ 28 $ 479 $ 4,201 $ 189 $ 5,907 650-749 37 137 8 6 8 171 1,810 176 2,353 <650 1 1 1 1 2 74 286 100 466 Total Home equity $ 225 $ 918 $ 30 $ 29 $ 38 $ 724 $ 6,297 $ 465 $ 8,726 Residential mortgage Credit Quality Indicator (2): 750+ $ 963 $ 3,204 $ 1,143 $ 727 $ 883 $ 1,723 $ 1 $ — $ 8,644 650-749 254 836 355 255 249 621 — — 2,570 <650 7 37 90 113 106 408 — — 761 Total Residential mortgage $ 1,224 $ 4,077 $ 1,588 $ 1,095 $ 1,238 $ 2,752 $ 1 $ — $ 11,975 RV and marine Credit Quality Indicator (2): 750+ $ 267 $ 1,050 $ 491 $ 547 $ 311 $ 375 $ — $ — $ 3,041 650-749 46 351 193 182 126 176 — — 1,074 <650 — 8 15 21 22 37 — — 103 Total RV and marine $ 313 $ 1,409 $ 699 $ 750 $ 459 $ 588 $ — $ — $ 4,218 Other consumer Credit Quality Indicator (2): 750+ $ 22 $ 59 $ 52 $ 21 $ 6 $ 16 $ 319 $ 2 $ 497 650-749 9 30 46 15 4 4 264 28 400 <650 — 2 7 3 1 1 25 23 62 Total Other consumer $ 31 $ 91 $ 105 $ 39 $ 11 $ 21 $ 608 $ 53 $ 959 (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 March 31, 2021, presented in other assets within the Condensed Consolidated Balance Sheet s, was $140 million and $119 million of commercial and consumer, respectively. 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 Condensed Consolidated Balance Sheet s, was $146 million and $123 million of commercial and consumer, respectively. TDR Loans TDRs are modified loans where a concession was provided to a borrower experiencing financial difficulties. Loan modifications are considered TDRs when the concessions provided would not otherwise be considered. However, not all loan modifications are TDRs. See Note 5 “Loans / Leases and Allowance for Credit Losses” to the Consolidated Financial Statements of the Annual Report on Form 10-K for the year ended December 31, 2020 for an additional discussion of TDRs. The following table presents, by class and modification type, the number of contracts, post-modification outstanding balance, and the financial effects of the modification for the three-month periods ended March 31, 2021 and 2020. New Troubled Debt Restructurings (1) Three Months Ended March 31, 2021 Number of Post-modification Outstanding Recorded Investment (2) (dollar amounts in millions) Interest rate reduction Amortization or maturity date change Chapter 7 bankruptcy Other Total Commercial and industrial 12 $ — $ 5 $ — $ — $ 5 Automobile 902 — 7 1 — 8 Home equity 62 — 1 2 — 3 Residential mortgage 86 — 13 1 — 14 RV and marine 49 — 1 — — 1 Other consumer 97 — — — 1 1 Total new TDRs 1,208 $ — $ 27 $ 4 $ 1 $ 32 Three Months Ended March 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 140 $ — $ 62 $ — $ — $ 62 Commercial real estate 7 — 2 — — 2 Automobile 798 — 6 2 — 8 Home equity 63 — 1 2 — 3 Residential mortgage 101 — 9 2 — 11 RV and marine 28 — 1 — — 1 Other consumer 249 1 — — — 1 Total new TDRs 1,386 $ 1 $ 81 $ 6 $ — $ 88 (1) TDRs may include multiple concessions and the disclosure classifications are based on the primary concession provided to the borrower. (2) Post-modification balances approximate pre-modification balances. The financial effects of modification on the provision for loan and lease losses for the three-month periods ended March 31, 2021 and 2020, were less than $1 million and $9 million, respectively. Pledged Loans The Bank has access to the Federal Reserve’s discount window and advances from the FHLB. As of March 31, 2021 and December 31, 2020, these borrowings and advances are secured by $44.1 billion and $43.0 billion, respectively, of loans.

ALLOWANCE FOR CREDIT LOSSES

ALLOWANCE FOR CREDIT LOSSES	3 Months Ended
	Mar. 31, 2021
Credit Loss [Abstract]
Allowance for Credit Losses	ALLOWANCE FOR CREDIT LOSSES Allowance for Loan and Lease Losses and Allowance for Credit Losses - Roll-forward The following tables present ALLL and AULC activity by portfolio segment for the three-month periods ended March 31, 2021 and 2020. (dollar amounts in millions) Commercial Consumer Total Three-month period ended March 31, 2021: ALLL balance, beginning of period $ 1,236 $ 578 $ 1,814 Loan charge-offs (61) (34) (95) Recoveries of loans previously charged-off 12 19 31 Provision for loan and lease losses 10 (57) (47) ALLL balance, end of period $ 1,197 $ 506 $ 1,703 AULC balance, beginning of period $ 34 $ 18 $ 52 Provision (reduction in allowance) for unfunded loan commitments and letters of credit (6) (7) (13) Unfunded commitment losses (1) — (1) AULC balance, end of period $ 27 $ 11 $ 38 ACL balance, end of period $ 1,224 $ 517 $ 1,741 (dollar amounts in millions) Commercial Consumer Total Three-month period ended March 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 (88) (48) (136) Recoveries of loans previously charged-off 5 14 19 Provision for loan and lease losses 347 100 447 ALLL balance, end of period $ 996 $ 508 $ 1,504 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 (5) (1) (6) Unfunded commitment losses (1) — (1) AULC balance, end of period $ 58 $ 41 $ 99 ACL balance, end of period $ 1,054 $ 549 $ 1,603 (1) Relates to day one impact of the CECL adjustment as a result of the implementation of ASU 2016-13. At March 31, 2021, the ACL was $1.7 billion, a decrease of $125 million from the December 31, 2020 balance of $1.9 billion. The decrease was primarily related to a reduction in credit reserves reflecting an improvement in the economic outlook. NCOs decreased $48 million, or 43%, in for the three-month period ended March 31, 2021. The decrease was driven by both commercial and consumer NCOs.

MORTGAGE LOAN SALES AND SERVICI

MORTGAGE LOAN SALES AND SERVICING RIGHTS	3 Months Ended
	Mar. 31, 2021
Transfers and Servicing [Abstract]
LOAN SALES AND SECURITIZATIONS	MORTGAGE LOAN SALES AND SERVICING RIGHTS Residential Mortgage Portfolio The following table summarizes activity relating to residential mortgage loans sold with servicing retained for the three-month periods ended March 31, 2021 and 2020: Three Months Ended (dollar amounts in millions) 2021 2020 Residential mortgage loans sold with servicing retained $ 2,256 $ 1,428 Pretax gains resulting from above loan sales (1) 93 39 (1) Recorded in mortgage banking income The following table summarizes the changes in MSRs recorded using the fair value method for the three-month periods ended March 31, 2021 and 2020 (1): Three Months Ended (dollar amounts in millions) 2021 2020 (1) Fair value, beginning of period $ 210 $ 7 Fair value election for servicing assets previously measured using the amortized method — 205 New servicing assets created 33 14 Change in fair value during the period due to: Time decay (2) (3) (2) Payoffs (3) (17) (6) Changes in valuation inputs or assumptions (4) 51 (53) Fair value, end of period $ 274 $ 165 Weighted-average life (years) 7.0 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 rates. MSRs do not trade in an active, open market with readily observable prices. Therefore, the fair value of MSRs is estimated using a discounted future cash flow model. Changes in the assumptions used may have a significant impact on the valuation of MSRs. MSR values are 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 March 31, 2021, and December 31, 2020 follows: March 31, 2021 December 31, 2020 (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) 12.30 % $ (15) $ (28) 17.36 % $ (12) $ (23) Spread over forward interest rate swap rates 509 bps (6) (12) 519 bps (4) (8) (1) Prior to January 1, 2020, substantially all of Huntington’s MSR assets were recorded at amortized cost. Total servicing, late fees and other ancillary fees included in mortgage banking income was $18 million and $17 million for the three-month periods ended March 31, 2021 and 2020, respectively. The unpaid principal balance of residential mortgage loans serviced for third parties was $23.6 billion and $23.5 billion at March 31, 2021 and December 31, 2020, respectively.

OTHER COMPREHENSIVE INCOME

OTHER COMPREHENSIVE INCOME	3 Months Ended
	Mar. 31, 2021
Equity [Abstract]
OTHER COMPREHENSIVE INCOME	OTHER COMPREHENSIVE INCOME The components of Huntington’s OCI for the three-month periods ended March 31, 2021 and 2020, were as follows: Three Months Ended Tax (expense) (dollar amounts in millions) Pretax Benefit After-tax Unrealized gains (losses) on available-for-sale securities arising during the period $ (287) $ 64 $ (223) Less: Reclassification adjustment for realized net losses (gains) included in net income 9 (2) 7 Net change in unrealized holding gains (losses) on available-for-sale securities (278) 62 (216) Net change in fair value on cash flow hedges (44) 10 (34) Net change in pension and other post-retirement obligations 3 (1) 2 Total other comprehensive income (loss) $ (319) $ 71 $ (248) Three Months Ended Tax (expense) (dollar amounts in millions) Pretax Benefit After-tax Unrealized gains (losses) on available-for-sale securities arising during the period $ 217 $ (48) $ 169 Less: Reclassification adjustment for realized net losses (gains) included in net income 5 (1) 4 Net change in unrealized gains (losses) on available-for-sale securities 222 (49) 173 Net change in fair value on cash flow hedges 396 (88) 308 Net change in pension and other post-retirement obligations 2 — 2 Total other comprehensive income (loss) $ 620 $ (137) $ 483 Activity in accumulated OCI for the three-month periods ended March 31, 2021 and 2020, were as follows: (dollar amounts in millions) Unrealized gains (losses) on debt securities (1) Change in fair value related to cash flow hedges Unrealized gains (losses) for pension and other post- retirement obligations (2) Total Three Months Ended March 31, 2021 Balance, beginning of period $ 188 $ 257 $ (253) $ 192 Other comprehensive income before reclassifications (223) (34) — (257) Amounts reclassified from accumulated OCI to earnings 7 — 2 9 Period change (216) (34) 2 (248) Balance, end of period $ (28) $ 223 $ (251) $ (56) Three Months Ended March 31, 2020 Balance, beginning of period $ (28) $ 23 $ (251) $ (256) Other comprehensive income before reclassifications 169 308 — 477 Amounts reclassified from accumulated OCI to earnings 4 — 2 6 Period change 173 308 2 483 Balance, end of period $ 145 $ 331 $ (249) $ 227 (1) AOCI amounts at March 31, 2021, December 31, 2020 and March 31, 2020 include $60 million, $69 million and $87 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	3 Months Ended
	Mar. 31, 2021
Equity [Abstract]
SHAREHOLDERS' EQUITY	SHAREHOLDERS’ EQUITY Preferred Stock The following is a summary of Huntington’s non-cumulative, non-voting, perpetual preferred stock outstanding as of March 31, 2021. (dollar amounts in millions) Series Issuance Date Total Shares Outstanding Carrying Amount Dividend Rate Earliest Redemption Date Series B 12/28/2011 35,500 $ 23 3-mo. LIBOR + 270 bps 1/15/2017 Series D 3/21/2016 400,000 386 6.25 % 4/15/2021 Series D 5/5/2016 200,000 199 6.25 % 4/15/2021 Series C 8/16/2016 100,000 100 5.875 % 10/15/2021 Series E 2/27/2018 5,000 495 5.700 % 4/15/2023 Series F 5/27/2020 5,000 494 5.625 % 7/15/2030 Series G 8/3/2020 5,000 494 4.450 % 10/15/2027 Series H 2/2/2021 500,000 485 4.500 % 4/15/2026 Total 1,250,500 $ 2,676 Series B, D, C and H of preferred stock have a liquidation value and redemption price per share of $1,000, plus any declared and unpaid dividends. Series E, F, and G stock have a liquidation value and redemption price per share of $100,000, plus any declared and unpaid dividends. All preferred stock has no stated maturity and redemption is solely at our option. Under current rules, any redemption of the preferred stock is subject to prior approval of the FRB. The following table presents the dividends declared for each series of Preferred shares for the three-month periods ended March 31, 2021 and 2020: Three Months Ended March 31, 2021 2020 (amounts in millions, except per share data) Cash Dividend Declared Per Share Cash Dividend Declared Per Share Preferred Series Amount ($) Amount ($) Series B $ 7.35 $ — $ 11.33 $ (1) Series C 14.69 (2) 14.69 (1) Series D 15.63 (9) 15.63 (9) Series E 1,425.00 (7) 1,425.00 (7) Series F 1,406.25 (7) — — Series G 1,112.50 (6) — — Total $ (31) $ (18)

EARNINGS PER SHARE

EARNINGS PER SHARE	3 Months Ended
	Mar. 31, 2021
Earnings Per Share [Abstract]
EARNINGS PER SHARE	EARNINGS PER SHARE Basic earnings per share is the amount of earnings (adjusted for dividends declared on preferred stock) available to each share of common stock outstanding during the reporting period. Diluted earnings per share is the amount of earnings available to each share of common stock outstanding during the reporting period adjusted to include the effect of potentially dilutive common shares. Potentially dilutive common shares include incremental shares issued for stock options, restricted stock units and awards, and distributions from deferred compensation plans. Potentially dilutive common shares are excluded from the computation of diluted earnings per share in periods in which the effect would be antidilutive. The calculation of basic and diluted earnings per share for the three-month periods ended March 31, 2021 and 2020 was as follows: Three Months Ended (dollar amounts in millions, except per share data, share count in thousands) 2021 2020 Basic earnings per common share: Net income $ 532 $ 48 Preferred stock dividends (31) (18) Net income available to common shareholders $ 501 $ 30 Average common shares issued and outstanding 1,017,512 1,017,643 Basic earnings per common share $ 0.49 $ 0.03 Diluted earnings per common share: Dilutive potential common shares: Stock options and restricted stock units and awards 18,397 12,363 Shares held in deferred compensation plans 5,094 4,570 Dilutive potential common shares 23,491 16,933 Total diluted average common shares issued and outstanding 1,041,003 1,034,576 Diluted earnings per common share $ 0.48 $ 0.03 Anti-dilutive awards (1) 1,666 8,045 (1) Reflects the total number of shares related to outstanding options that have been excluded from the computation of diluted earnings per share because the impact would have been anti-dilutive.

NONINTEREST INCOME

NONINTEREST INCOME	3 Months Ended
	Mar. 31, 2021
Revenue from Contract with Customer [Abstract]
NONINTEREST INCOME	NONINTEREST INCOME Huntington earns a variety of revenue including interest and fees from customers as well as revenues from non-customers. Certain sources of revenue are recognized within interest or fee income and are outside of the scope of ASC Topic 606, Revenue from Contracts with Customers (“ASC 606”). Other sources of revenue fall within the scope of ASC 606 and are generally recognized within noninterest income. These revenues are included within various sections of the Unaudited Condensed Consolidated Financial Statements. The following table shows Huntington’s total noninterest income segregated between contracts with customers within the scope of ASC 606 and those within the scope of other GAAP Topics. (dollar amounts in millions) Three Months Ended March 31, Noninterest income 2021 2020 Noninterest income from contracts with customers $ 222 $ 227 Noninterest income within the scope of other GAAP topics 173 134 Total noninterest income $ 395 $ 361 The following table illustrates the disaggregation by operating segment and major revenue stream and reconciles disaggregated revenue to segment revenue presented in Note 15 “ Segment Reporting ”. Three Months Ended March 31, 2021 (dollar amounts in millions) Consumer & Business Banking Commercial Banking Vehicle Finance RBHPCG Treasury / Other Huntington Consolidated Major Revenue Streams Service charges on deposit accounts $ 48 $ 19 $ 2 $ — $ — $ 69 Card and payment processing income 58 4 — — — 62 Trust and investment management services 13 1 — 38 — 52 Insurance income 12 2 — 13 — 27 Other noninterest income 6 2 1 1 2 12 Net revenue from contracts with customers $ 137 $ 28 $ 3 $ 52 $ 2 $ 222 Noninterest income within the scope of other GAAP topics 99 60 — 1 13 173 Total noninterest income $ 236 $ 88 $ 3 $ 53 $ 15 $ 395 Three Months Ended March 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 $ 68 $ 17 $ 1 $ 1 $ — $ 87 Card and payment processing income 52 4 — — — 56 Trust and investment management services 10 1 — 36 — 47 Insurance income 8 2 — 12 1 23 Other noninterest income 8 3 1 1 1 14 Net revenue from contracts with customers $ 146 $ 27 $ 2 $ 50 $ 2 $ 227 Noninterest income within the scope of other GAAP topics 66 59 1 — 8 134 Total noninterest income $ 212 $ 86 $ 3 $ 50 $ 10 $ 361 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 March 31, 2021 is expected to be earned within one year. Huntington does not have significant balances of contract assets or contract liabilities and any change in those balances during the reporting period ended March 31, 2021 was determined to be immaterial.

FAIR VALUES OF ASSETS AND LIABI

FAIR VALUES OF ASSETS AND LIABILITIES	3 Months Ended
	Mar. 31, 2021
Fair Value Disclosures [Abstract]
FAIR VALUES OF ASSETS AND LIABILITIES	FAIR VALUES OF ASSETS AND LIABILITIES See Note 20 “Fair Value of Assets and Liabilities” to the Consolidated Financial Statements of the Annual Report on Form 10-K for the year ended December 31, 2020 for a description of the valuation methodologies used for instruments measured at fair value. Assets and liabilities measured at fair value rarely transfer between Level 1 and Level 2 measurements. There were no such transfers during the three-month periods ended March 31, 2021 and 2020. Assets and Liabilities measured at fair value on a recurring basis Assets and liabilities measured at fair value on a recurring basis at March 31, 2021 and December 31, 2020 are summarized below: Fair Value Measurements at Reporting Date Using Netting Adjustments (1) March 31, 2021 (dollar amounts in millions) Level 1 Level 2 Level 3 Assets Trading account securities: Municipal securities $ — $ 48 $ — $ — $ 48 Corporate debt — 3 — — 3 — 51 — — 51 Available-for-sale securities: U.S. Treasury securities 5 — — — 5 Residential CMOs — 3,172 — — 3,172 Residential MBS — 10,645 — — 10,645 Commercial MBS — 1,227 — — 1,227 Other agencies — 46 — — 46 Municipal securities — 52 3,070 — 3,122 Private-label CMO — 39 11 — 50 Asset-backed securities — 200 47 — 247 Corporate debt — 857 — — 857 Other securities/sovereign debt — 4 — — 4 5 16,242 3,128 — 19,375 Other securities 42 17 — — 59 Loans held for sale — 1,531 — — 1,531 Loans held for investment — 96 22 — 118 MSRs — — 274 — 274 Derivative assets — 1,808 21 (816) 1,013 Liabilities Derivative liabilities — 863 11 (703) 171 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 (1) Amounts represent the impact of legally enforceable master netting agreements that allow the Company to settle positive and negative positions and cash collateral held or placed with the same counterparties. The tables below present a rollforward of the balance sheet amounts for the three-month periods ended March 31, 2021 and 2020, for financial instruments measured on a recurring basis and classified as Level 3. The classification of an item as Level 3 is based on the significance of the unobservable inputs to the overall fair value measurement. However, Level 3 measurements may also include observable components of value that can be validated externally. Accordingly, the gains and losses in the table below include changes in fair value due in part to observable factors that are part of the valuation methodology. Level 3 Fair Value Measurements Available-for-sale securities Loans held for investment (dollar amounts in millions) MSRs Derivative instruments Municipal securities Private- Asset-backed securities Opening balance $ 210 $ 41 $ 2,951 $ 9 $ 10 $ 23 Transfers out of Level 3 (1) — (39) — — — — Total gains/losses for the period: Included in earnings 51 8 — — — — Included in OCI — — (4) — — — Purchases/originations 33 — 209 2 37 — Repayments — — — — — (1) Settlements (20) — (86) — — — Closing balance $ 274 $ 10 $ 3,070 $ 11 $ 47 $ 22 Change in unrealized gains or losses for the period included in earnings for assets held at end of the reporting date $ 51 $ (26) $ — $ — $ — $ — Change in unrealized gains or losses for the period included in other comprehensive income for assets held at the end of the reporting period — — (5) — — — Level 3 Fair Value Measurements MSRs Derivative instruments Available-for-sale securities Loans held for investment (dollar amounts in millions) Municipal securities Private- label CMO Asset-backed securities Opening balance $ 7 $ 6 $ 2,999 $ 2 $ 48 $ 26 Fair value election for servicing assets previously measured using the amortized method 205 — — — — — Transfers out of Level 3 (1) — (20) — — — — Total gains/losses for the period: Included in earnings (47) 53 (1) — — — Included in OCI — — (68) — — — Purchases/originations — — 73 — 27 — Settlements — — (66) — (6) — Closing balance $ 165 $ 39 $ 2,937 $ 2 $ 69 $ 26 Change in unrealized gains or losses for the period included in earnings for assets held at end of the reporting date $ (47) $ 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) $ — 0 $ — $ — (1) Transfers out of Level 3 represent the settlement value of the derivative instruments (i.e. interest rate lock agreements) that is transferred to loans held for sale, which is classified as Level 2. The tables below summarize the classification of gains and losses due to changes in fair value, recorded in earnings for Level 3 assets and liabilities for the three-month periods ended March 31, 2021 and 2020: Level 3 Fair Value Measurements (dollar amounts in millions) MSRs Derivative instruments Classification of gains and losses in earnings: Mortgage banking income $ 51 $ 8 Total $ 51 $ 8 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 $ (47) $ 53 $ — Interest and fee income — — (1) Total $ (47) $ 53 $ (1) Assets and liabilities under the fair value option The following tables present the fair value and aggregate principal balance of certain assets and liabilities under the fair value option: March 31, 2021 (dollar amounts in millions) Total Loans Loans that are 90 or more days past due Assets Fair value carrying amount Aggregate unpaid principal Difference Fair value carrying amount Aggregate unpaid principal Difference Loans held for sale $ 1,531 $ 1,501 $ 30 $ — $ — $ — Loans held for investment 118 123 (5) 4 5 (1) December 31, 2020 (dollar amounts in millions) Total Loans Loans that are 90 or more days past due Assets Fair value carrying amount Aggregate unpaid principal Difference Fair value carrying amount Aggregate unpaid principal Difference Loans held for sale $ 1,198 $ 1,134 $ 64 $ 2 $ 2 $ — Loans held for investment 94 99 (5) 7 8 (1) The following table present the net gains (losses) from fair value changes for the three-month periods ended March 31, 2021 and 2020. Net gains (losses) from fair value changes (dollar amounts in millions) Three Months Ended March 31, Assets 2021 2020 Loans held for sale (1) $ (34) $ 19 (1) The net gains (losses) from fair value changes are included in Mortgage banking income on the Unaudited Condensed Consolidated Statements of Income. Assets and Liabilities measured at fair value on a nonrecurring basis Certain assets and liabilities may be required to be measured at fair value on a nonrecurring basis in periods subsequent to their initial recognition. These assets and liabilities are not measured at fair value on an ongoing basis; however, they are subject to fair value adjustments in certain circumstances, such as when there is evidence of impairment. The amounts presented represent the fair value on the various measurement dates throughout the period. The gains (losses) represent the amounts recorded during the period regardless of whether the asset is still held at period end. The amounts measured at fair value on a nonrecurring basis at March 31, 2021 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 12 — — 12 (1) Huntington records nonrecurring adjustments of collateral-dependent loans held for investment. Such amounts are generally based on the fair value of the underlying collateral supporting the loan. Appraisals are generally obtained to support the fair value of the collateral and incorporate measures such as recent sales prices for comparable properties and cost of construction. Periodically, in cases where the carrying value exceeds the fair value of the collateral less cost to sell, an impairment charge is recognized in the form of a charge-off. Significant unobservable inputs for assets and liabilities measured at fair value on a recurring and nonrecurring basis The table below presents quantitative information about the significant unobservable inputs for assets and liabilities measured at fair value on a recurring and nonrecurring basis at March 31, 2021 and December 31, 2020: Quantitative Information about Level 3 Fair Value Measurements at March 31, 2021 (1) (1) (dollar amounts in millions) Fair Value Valuation Technique Significant Unobservable Input Range Weighted Average Measured at fair value on a recurring basis: MSRs $ 274 Discounted cash flow Constant prepayment rate 6 % - 22% 12 % Spread over forward interest rate swap rates 3 % - 11% 5 % Derivative assets 21 Consensus Pricing Net market price (5) % - 12% 1 % Estimated Pull through % 6 % - 100% 90 % Municipal securities 3,070 Discounted cash flow Discount rate — % - 2% 1 % Asset-backed securities 47 Cumulative default — % - 39% 4 % Loss given default 5 % - 80% 25 % Measured at fair value on a nonrecurring basis: Collateral-dependent loans 12 Appraisal value N/A N/A 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 N/A 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 March 31, 2021 and December 31, 2020: March 31, 2021 (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 $ 8,641 $ — $ — $ 8,641 $ 8,641 Trading account securities — — 51 51 51 Available-for-sale securities — — 19,375 19,375 19,375 Held-to-maturity securities 7,815 — — 7,815 8,062 Other securities 352 — 59 411 411 Loans held for sale — 6 1,531 1,537 1,537 Net loans and leases (1) 78,409 — 118 78,527 78,603 Derivative assets — — 1,013 1,013 1,013 Financial Liabilities Deposits 102,184 — — 102,184 102,231 Short-term borrowings 219 — — 219 219 Long-term debt 7,210 — — 7,210 7,305 Derivative liabilities — — 171 171 171 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 (1) Includes collateral-dependent loans. The following table presents the level in the fair value hierarchy for the estimated fair values at March 31, 2021 and December 31, 2020: Estimated Fair Value Measurements at Reporting Date Using Netting Adjustments (1) March 31, 2021 (dollar amounts in millions) Level 1 Level 2 Level 3 Financial Assets Trading account securities $ — $ 51 $ — $ 51 Available-for-sale securities 5 16,242 3,128 19,375 Held-to-maturity securities — 8,062 — 8,062 Other securities (2) 42 17 — 59 Loans held for sale — 1,531 6 1,537 Net loans and direct financing leases — 96 78,507 78,603 Derivative assets — 1,808 21 $ (816) 1,013 Financial Liabilities Deposits — 99,998 2,233 102,231 Short-term borrowings — 219 — 219 Long-term debt — 6,736 569 7,305 Derivative liabilities — 863 11 (703) 171 Estimated Fair Value Measurements at Reporting Date Using Netting Adjustments (1) December 31, 2020 (dollar amounts in millions) Level 1 Level 2 Level 3 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 (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,

DERIVATIVE FINANCIAL INSTRUMENT

DERIVATIVE FINANCIAL INSTRUMENTS	3 Months Ended
	Mar. 31, 2021
Derivative Instruments and Hedging Activities Disclosure [Abstract]
DERIVATIVE FINANCIAL INSTRUMENTS	DERIVATIVE FINANCIAL INSTRUMENTS Derivative financial instruments are recorded in the Unaudited Condensed Consolidated Balance Sheets as either an asset or a liability (in other assets or other liabilities, respectively) and measured at fair value. Derivative financial instruments can be designated as accounting hedges under GAAP. Designating a derivative as an accounting hedge allows Huntington to recognize gains and losses on the hedging instruments in the income statement line item where the gains and losses on the hedged item are recognized. Gains and losses on derivatives that are not designated in an effective hedge relationship under GAAP immediately impact earnings within the period they occur. The following table presents the fair values and notional values of all derivative instruments included in the Unaudited Condensed Consolidated Balance Sheets at March 31, 2021 and December 31, 2020. Amounts in the table below are presented gross without the impact of any net collateral arrangements. March 31, 2021 December 31, 2020 (dollar amounts in millions) Notional Value Asset Liability Notional Value Asset Liability Derivatives designated as Hedging Instruments Interest rate contracts $ 24,937 $ 638 $ 42 $ 27,056 $ 719 $ 51 Derivatives not designated as Hedging Instruments Interest rate contracts 55,792 1,034 686 44,495 1,074 828 Foreign exchange contracts 2,737 44 42 2,718 46 47 Commodities contracts 1,660 101 98 1,952 107 103 Equity contracts 502 12 6 517 — 4 Total Contracts $ 85,628 $ 1,829 $ 874 $ 76,738 $ 1,946 $ 1,033 The following table presents the amount of gain or loss recognized in income for derivatives not designated as hedging instruments under ASC Subtopic 815-10 in the Unaudited Condensed Consolidated Income Statement for the three-month periods ended March 31, 2021 and 2020, respectively. Location of Gain or (Loss) Recognized in Income on Derivative Amount of Gain or (Loss) Recognized in Income on Derivative Three Months Ended (dollar amounts in millions) 2021 2020 Interest rate contracts: Customer Capital markets fees $ 12 $ 18 Mortgage Banking Mortgage banking income (6) 96 Interest rate floors Interest and fee income on loans and leases (2) — Interest rate caps Interest expense on long-term debt 144 — Foreign exchange contracts Capital markets fees 6 6 Commodities contracts Capital markets fees — 2 Equity contracts Other noninterest expense (7) (2) Total $ 147 $ 120 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 March 31, 2021 and December 31, 2020, identified by the underlying interest rate-sensitive instruments. March 31, 2021 (dollar amounts in millions) Fair Value Hedges Cash Flow Hedges Economic Hedges Total Instruments associated with: Investment securities $ 3,190 $ — $ — $ 3,190 Loans — 16,350 1,271 17,621 Long-term debt 5,397 — 8,000 13,397 Total notional value at March 31, 2021 $ 8,587 $ 16,350 $ 9,271 $ 34,208 December 31, 2020 (dollar amounts in millions) Fair Value Hedges Cash Flow Hedges Economic Hedges Total Instruments associated with: Investment securities $ 3,484 $ — $ — $ 3,484 Loans — 17,375 1,271 18,646 Long-term debt 6,197 — 5,000 11,197 Total notional value at December 31, 2020 $ 9,681 $ 17,375 $ 6,271 $ 33,327 These derivative financial instruments were entered into for the purpose of managing the interest rate risk of assets and liabilities. Net amounts receivable or payable on contracts hedging either interest earning assets or interest bearing liabilities were accrued as an adjustment to either interest income or interest expense. Also, recorded as an adjustment to interest income were the amounts related to the amortization of floors and forward-starting floors that were excluded from the hedge effectiveness, changes in the fair value of economic hedges, as well as the amounts related to terminated hedges reclassified from AOCI. The net amounts resulted in an increase (decrease) to net interest income of $225 million and $16 million for the three-month periods ended March 31, 2021, and 2020, 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 $2.8 billion of interest rate swaps as fair value hedges of fixed-rate investment securities using the last-of-layer method. This approach allows the Company to designate as the hedged item a stated amount of the assets that are not expected to be affected by prepayments, defaults and other factors affecting the timing and amount of cash flows. The fair value basis adjustment on our hedged mortgage-backed securities is included in available-for-sale securities on our Unaudited Condensed Consolidated Statements of Financial Condition. The following table presents the change in fair value for derivatives designated as fair value hedges as well as the offsetting change in fair value on the hedged item for the three-month periods ended March 31, 2021 and 2020. Three Months Ended (dollar amounts in millions) 2021 2020 Interest rate contracts Change in fair value of interest rate swaps hedging investment securities (1) $ 43 $ — Change in fair value of hedged investment securities (1) (44) — Change in fair value of interest rate swaps hedging long-term debt (2) (50) 200 Change in fair value of hedged long term debt (2) 52 (190) (1) Recognized in Interest income—available-for-sale securities—taxable in the Unaudited Condensed Consolidated Statements of Income (2) Recognized in Interest expense—long-term debt in the Unaudited Condensed Consolidated Statements of Income . As of March 31, 2021, and 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 (dollar amounts in millions) March 31, 2021 December 31, 2020 March 31, 2021 December 31, 2020 Assets Investment securities (1) $ 5,713 $ 6,637 $ 1 $ 3 Liabilities Long-term debt 5,538 6,383 180 232 (1) Amounts include the amortized cost basis of closed portfolios used to designate hedging relationships in which the hedged item is the last layer expected to be remaining at the end of the hedging relationship. As of March 31, 2021, the amortized cost basis of the closed portfolios used in these hedging relationships was $5.3 billion, the cumulative basis adjustments associated with these hedging relationships was $1 million, and the amounts of the designated hedged items were $2.8 billion. The cumulative amount of fair value hedging adjustments remaining for any hedged assets and liabilities for which hedge accounting has been discontinued was $(50) million and $(62) million at March 31, 2021 and December 31, 2020, respectively. Cash Flow Hedges At March 31, 2021, Huntington has $16.4 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 and (losses) on interest rate floors, floor spreads, and swaps recognized in other comprehensive income were $(34) million and $308 million for the three-months periods ended March 31, 2021 and 2020, respectively. Derivatives used in mortgage banking activities Mortgage loan origination hedging activity Huntington’s mortgage origination hedging activity is related to economically hedging Huntington’s mortgage pricing commitments to customers and the secondary sale to third parties. The value of a newly originated mortgage is not firm until the interest rate is committed or locked. Forward commitments to sell economically hedge the possible loss on interest rate lock commitments due to interest rate change. The net asset position of these derivatives at March 31, 2021 and December 31, 2020 are $65 million and $26 million, respectively. At March 31, 2021 and December 31, 2020, Huntington had commitments to sell residential real estate loans of $2.9 billion and $2.9 billion, respectively. These contracts mature in less than one year. MSR hedging activity Huntington’s MSR economic hedging activity uses securities and derivatives to manage the value of the MSR asset and to mitigate the various types of risk inherent in the MSR asset, including risks related to duration, basis, convexity, volatility, and yield curve. The hedging instruments include forward commitments, TBA securities, Treasury futures contracts, interest rate swaps, and options on interest rate swaps. The notional value of the derivative financial instruments, the corresponding net asset (liability) position recognized in other assets and/or other liabilities, and net trading gains (losses) related to MSR hedging activity is summarized in the following table: (dollar amounts in millions) March 31, December 31, Notional value $ 875 $ 1,170 Trading assets 9 43 Three Months Ended (dollar amounts in millions) 2021 2020 Trading gains $ (46) $ 57 MSR hedging trading assets and liabilities are included in other assets and other liabilities, respectively, in the Unaudited Condensed Balance Sheets. Trading gains (losses) are included in mortgage banking income in the Unaudited Condensed Consolidated Statement of Income. Derivatives used in customer related activities Various derivative financial instruments are offered to enable customers to meet their financing and investing objectives and for their risk management purposes. Derivative financial instruments used in trading activities consist of commodity, interest rate, and foreign exchange contracts. Huntington enters into offsetting third-party contracts with approved, reputable counterparties with substantially matching terms and currencies in order to economically hedge significant exposure related to derivatives used in trading activities. The interest rate or price risk of customer derivatives is mitigated by entering into similar derivatives having offsetting terms with other counterparties. The credit risk to these customers is evaluated and included in the calculation of fair value. Foreign currency derivatives help the customer hedge risk and reduce exposure to fluctuations in exchange rates. Transactions are primarily in liquid currencies with Canadian dollars and Euros comprising a majority of all transactions. Commodity derivatives help the customer hedge risk and reduce exposure to fluctuations in the price of various commodities. Hedging of energy-related products and base metals comprise the majority of these transactions. The net fair values of these derivative financial instruments, for which the gross amounts are included in other assets or other liabilities at both March 31, 2021 and December 31, 2020, were $73 million and $70 million, respectively. The total notional values of derivative financial instruments used by Huntington on behalf of customers, including offsetting derivatives, were $46 billion and $37 billion at March 31, 2021 and December 31, 2020, respectively. Huntington’s credit risk from customer derivatives was $593 million and $882 million at the same dates, respectively. Financial assets and liabilities that are offset in the Unaudited Condensed Consolidated Balance Sheets Huntington records derivatives at fair value as further described in Note 11 “ 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 $420 million and $175 million at March 31, 2021 and December 31, 2020, respectively. The credit risk associated with derivatives is calculated after considering master netting agreements. At March 31, 2021, Huntington pledged $69 million of investment securities and cash collateral to counterparties, while other counterparties pledged $434 million of investment securities and cash collateral to Huntington to satisfy collateral netting agreements. In the event of credit downgrades, Huntington would not be required to provide additional collateral. The following tables present the gross amounts of these assets and liabilities with any offsets to arrive at the net amounts recognized in the Unaudited Condensed Consolidated Balance Sheets at March 31, 2021 and December 31, 2020. Offsetting of Financial Assets and Derivative Assets Gross amounts Net amounts of Gross amounts not offset in the (dollar amounts in millions) Gross amounts of recognized assets Financial instruments Cash collateral received Net amount March 31, 2021 $ 1,829 $ (816) $ 1,013 $ (82) $ (190) $ 741 December 31, 2020 1,946 (889) 1,057 (112) (142) 803 Offsetting of Financial Liabilities and Derivative Liabilities Gross amounts offset in the unaudited condensed consolidated balance sheets Net amounts of liabilities presented in the unaudited condensed consolidated balance sheets Gross amounts not offset in the unaudited condensed consolidated balance sheets (dollar amounts in millions) Gross amounts of recognized liabilities Financial instruments Cash collateral delivered Net amount March 31, 2021 $ 874 $ (703) $ 171 $ (17) $ (173) $ (19) December 31, 2020 1,033 (917) 116 (9) (105) 2

VIEs

VIEs	3 Months Ended
	Mar. 31, 2021
Organization, Consolidation and Presentation of Financial Statements [Abstract]
VIEs	VIEs Unconsolidated VIEs The following tables provide a summary of the assets and liabilities included in Huntington’s Unaudited Condensed Consolidated Financial Statements, as well as the maximum exposure to losses, associated with its interests related to unconsolidated VIEs for which Huntington holds an interest in, but is not the primary beneficiary, of the VIE at March 31, 2021, and December 31, 2020: March 31, 2021 (dollar amounts in millions) Total Assets Total Liabilities Maximum Exposure to Loss Trust Preferred Securities $ 14 $ 253 $ — Affordable Housing Tax Credit Partnerships 945 445 945 Other Investments 329 72 329 Total $ 1,288 $ 770 $ 1,274 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 Trust-Preferred Securities Huntington has certain wholly-owned trusts whose assets, liabilities, equity, income, and expenses are not included within Huntington’s Unaudited Condensed Consolidated Financial Statements. These trusts have been formed for the sole purpose of issuing trust-preferred securities, from which the proceeds are then invested in Huntington junior subordinated debentures, which are reflected in Huntington’s Unaudited Condensed Consolidated Balance Sheet as long-term debt. The trust securities are the obligations of the trusts, and as such, are not consolidated within Huntington’s Unaudited Condensed Consolidated Financial Statements. A list of trust preferred securities outstanding at March 31, 2021 follows: (dollar amounts in millions) Rate Principal amount of subordinated note/ debenture issued to trust (1) Investment in unconsolidated subsidiary Huntington Capital I 0.81 % (2) $ 70 $ 6 Huntington Capital II 0.74 (3) 32 3 Sky Financial Capital Trust III 1.51 (4) 72 2 Sky Financial Capital Trust IV 1.51 (4) 74 2 Camco Financial Trust 1.44 (5) 5 1 Total $ 253 $ 14 (1) Represents the principal amount of debentures issued to each trust, including unamortized original issue discount. (2) Variable effective rate at March 31, 2021, based on three-month LIBOR +0.70%. (3) Variable effective rate at March 31, 2021, based on three-month LIBOR +0.625%. (4) Variable effective rate at March 31, 2021, based on three-month LIBOR +1.40%. (5) Variable effective rate at March 31, 2021, based on three-month LIBOR +1.33%. Each issue of the junior subordinated debentures has an interest rate equal to the corresponding trust securities distribution rate. Huntington has the right to defer payment of interest on the debentures at any time, or from time-to-time for a period not exceeding five years provided that no extension period may extend beyond the stated maturity of the related debentures. During any such extension period, distributions to the trust securities will also be deferred and Huntington’s ability to pay dividends on its common stock will be restricted. Periodic cash payments and payments upon liquidation or redemption with respect to trust securities are guaranteed by Huntington to the extent of funds held by the trusts. The guarantee ranks subordinate and junior in right of payment to all indebtedness of the Company to the same extent as the junior subordinated debt. The guarantee does not place a limitation on the amount of additional indebtedness that may be incurred by Huntington. Affordable Housing Tax Credit Partnerships Huntington makes certain equity investments in various limited partnerships that sponsor affordable housing projects utilizing the LIHTC pursuant to Section 42 of the Internal Revenue Code. The purpose of these investments is to achieve a satisfactory return on capital, to facilitate the sale of additional affordable housing product offerings, and to assist in achieving goals associated with the Community Reinvestment Act. The primary activities of the limited partnerships include the identification, development, and operation of multi-family housing that is leased to qualifying residential tenants. Generally, these types of investments are funded through a combination of debt and equity. Huntington uses the proportional amortization method to account for a majority of its investments in these entities. These investments are included in other assets. Investments that do not meet the requirements of the proportional amortization method are accounted for using the equity method. Investment losses related to these investments are included in noninterest income in the Unaudited Condensed Consolidated Statements of Income. The following table presents the balances of Huntington’s affordable housing tax credit investments and related unfunded commitments at March 31, 2021 and December 31, 2020. (dollar amounts in millions) March 31, December 31, Affordable housing tax credit investments $ 1,582 $ 1,568 Less: amortization (637) (612) Net affordable housing tax credit investments $ 945 $ 956 Unfunded commitments $ 445 $ 500 The following table presents other information relating to Huntington’s affordable housing tax credit investments for the three-month periods ended March 31, 2021 and 2020. Three Months Ended (dollar amounts in millions) 2021 2020 Tax credits and other tax benefits recognized $ 33 $ 29 Proportional amortization expense included in provision for income taxes 28 25 There were no sales of affordable housing tax credit investments during the three-month periods ended March 31, 2021 and 2020. There was no impairment recognized for the three-month periods ended March 31, 2021 and 2020. 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	3 Months Ended
	Mar. 31, 2021
Commitments and Contingencies Disclosure [Abstract]
COMMITMENTS AND CONTINGENT LIABILITIES	COMMITMENTS AND CONTINGENT LIABILITIES Commitments to extend credit In the ordinary course of business, Huntington makes various commitments to extend credit that are not reflected in the Unaudited Condensed Consolidated Financial Statements. The contract amounts of these financial agreements at March 31, 2021 and December 31, 2020, were as follows: (dollar amounts in millions) March 31, December 31, Contract amount representing credit risk Commitments to extend credit: Commercial $ 21,580 $ 20,701 Consumer 14,966 14,808 Commercial real estate 1,315 1,313 Standby letters of credit 632 581 Commercial letters of credit 12 21 Commitments to extend credit generally have fixed expiration dates, are variable-rate, and contain clauses that permit Huntington to terminate or otherwise renegotiate the contracts in the event of a significant deterioration in the customer’s credit quality. These arrangements normally require the payment of a fee by the customer, the pricing of which is based on prevailing market conditions, credit quality, probability of funding, and other relevant factors. Since many of these commitments are expected to expire without being drawn upon, the contract amounts are not necessarily indicative of future cash requirements. The interest rate risk arising from these financial instruments is insignificant as a result of their predominantly short-term, variable-rate nature. 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 $6 million and $5 million at March 31, 2021 and December 31, 2020, respectively. Commercial letters-of-credit represent short-term, self-liquidating instruments that facilitate customer trade transactions and generally have maturities of no longer than 90 days. The goods or cargo being traded normally secure these instruments. Litigation and Regulatory Matters In the ordinary course of business, Huntington is routinely a defendant in or party to pending and threatened legal and regulatory actions and proceedings. In view of the inherent difficulty of predicting the outcome of such matters, particularly where the claimants seek very large or indeterminate damages or where the matters present novel legal theories or involve a large number of parties, Huntington generally cannot predict what the eventual outcome of the pending matters will be, what the timing of the ultimate resolution of these matters will be, or what the eventual loss, fines or penalties related to each matter may be. Huntington establishes an accrued liability when those matters present loss contingencies that are both probable and estimable. In such cases, there may be an exposure to loss in excess of any amounts accrued. Huntington thereafter continues to monitor the matter for further developments that could affect the amount of the accrued liability that has been previously established. For certain matters, Huntington is able to estimate a range of possible loss. In cases in which Huntington possesses information to estimate a range of possible loss, that estimate is aggregated and disclosed below. There may be other matters for which a loss is probable or reasonably possible but such an estimate of the range of possible loss may not be possible. For those matters where an estimate of the range of possible loss is possible, management currently estimates the aggregate range of reasonably possible loss is $0 to $10 million at March 31, 2021 in excess of the accrued liability (if any) related to those matters. This estimated range of possible loss is based upon currently available information and is subject to significant judgment, a variety of assumptions, and known and unknown uncertainties. The matters underlying the estimated range will change from time to time, and actual results may vary significantly from the current estimate. The estimated range of possible loss does not represent Huntington’s maximum loss exposure. Based on current knowledge, management does not believe that loss contingencies arising from pending matters will have a material adverse effect on the consolidated financial position of Huntington. Further, management believes that amounts accrued are adequate to address Huntington’s contingent liabilities. However, in light of the inherent uncertainties involved in these matters, some of which are beyond Huntington’s control, and the large or indeterminate damages sought in some of these matters, an adverse outcome in one or more of these matters could be material to Huntington’s results of operations for any particular reporting period.

SEGMENT REPORTING

SEGMENT REPORTING	3 Months Ended
	Mar. 31, 2021
Segment Reporting [Abstract]
SEGMENT REPORTING	SEGMENT REPORTING Huntington’s business segments are based on our internally-aligned segment leadership structure, which is how management monitors results and assesses performance. The Company has four major business segments: Consumer and Business Banking, Commercial Banking, Vehicle Finance, Regional Banking and The Huntington Private Client Group (RBHPCG). The Treasury / Other function includes technology and operations, other unallocated assets, liabilities, revenue, and expense. For a description of our business segments, see Note 26 - Segment Reporting to the Consolidated Financial Statements of the Corporation’s 2020 Annual Report on Form 10-K. Business segment results are determined based upon Huntington’s management reporting system, which assigns balance sheet and income statement items to each of the business segments. The process is designed around the organizational and management structure and, accordingly, the results derived are not necessarily comparable with similar information published by other financial institutions. Additionally, because of the interrelationships of the various segments, the information presented is not indicative of how the segments would perform if they operated as independent entities. Huntington uses an active and centralized FTP methodology to attribute appropriate net interest income to the business segments. The intent of the FTP methodology is to transfer interest rate risk from the business segments by providing matched duration funding of assets and liabilities. The result is to centralize the financial impact, management, and reporting of interest rate risk in the Treasury / Other function where it can be centrally monitored and managed. The Treasury / Other function charges (credits) an internal cost of funds for assets held in (or pays for funding provided by) each business segment. The FTP rate is based on prevailing market interest rates for comparable duration assets (or liabilities). Listed in the table below is certain operating basis financial information reconciled to Huntington’s March 31, 2021, December 31, 2020, and March 31, 2020, reported results by business segment. Three Months Ended March 31, Income Statements Consumer & Business Banking Commercial Banking Vehicle Finance RBHPCG Treasury / Other Huntington Consolidated (dollar amounts in millions) 2021 Net interest income $ 337 $ 199 $ 107 $ 34 $ 295 $ 972 Provision (benefit) for credit losses (36) 5 (22) (7) — (60) Noninterest income 236 88 3 53 15 395 Noninterest expense 469 133 35 62 94 793 Provision (benefit) for income taxes 29 31 21 7 14 102 Net income (loss) $ 111 $ 118 $ 76 $ 25 $ 202 $ 532 2020 Net interest income $ 364 $ 232 $ 106 $ 43 $ 45 $ 790 Provision (benefit) for credit losses 82 298 60 1 — 441 Noninterest income 212 86 3 50 10 361 Noninterest expense 418 129 35 62 8 652 Provision (benefit) for income taxes 16 (23) 3 6 8 10 Net income (loss) $ 60 $ (86) $ 11 $ 24 $ 39 $ 48 Assets at Deposits at (dollar amounts in millions) March 31, December 31, March 31, December 31, Consumer & Business Banking $ 30,627 $ 30,758 $ 65,437 $ 60,910 Commercial Banking 36,797 36,311 25,420 24,766 Vehicle Finance 19,208 19,789 849 722 RBHPCG 6,837 7,064 7,163 7,635 Treasury / Other 32,299 29,116 3,315 4,915 Total $ 125,768 $ 123,038 $ 102,184 $ 98,948

INVESTMENT SECURITIES AND OTH_2

INVESTMENT SECURITIES AND OTHER SECURITIES (Tables)	3 Months Ended
	Mar. 31, 2021
Investments, Debt and Equity Securities [Abstract]
Amortized Cost, Fair Value, and Gross Unrealized Gains and Losses by Investment Category	The following tables provide amortized cost, fair value, and gross unrealized gains and losses by investment category at March 31, 2021 and December 31, 2020: Unrealized (dollar amounts in millions) Amortized Gross Gains Gross Losses Fair Value March 31, 2021 Available-for-sale securities: U.S. Treasury $ 5 $ — $ — $ 5 Federal agencies: Residential CMO $ 3,081 $ 100 $ (9) $ 3,172 Residential MBS 10,708 61 (124) 10,645 Commercial MBS 1,277 13 (63) 1,227 Other agencies 44 2 — 46 Total U.S. Treasury, federal agency and other agency securities 15,115 176 (196) 15,095 Municipal securities 3,050 91 (19) 3,122 Private-label CMO 50 — — 50 Asset-backed securities 244 4 (1) 247 Corporate debt 888 — (31) 857 Other securities/Sovereign debt 4 — — 4 Total available-for-sale securities $ 19,351 $ 271 $ (247) $ 19,375 Held-to-maturity securities: Federal agencies: Residential CMO $ 1,604 $ 74 $ — $ 1,678 Residential MBS 3,259 69 (18) 3,310 Commercial MBS 2,719 114 — 2,833 Other agencies 230 8 — 238 Total federal agency and other agency securities 7,812 265 (18) 8,059 Municipal securities 3 — — 3 Total held-to-maturity securities $ 7,815 $ 265 $ (18) $ 8,062 Other securities, at cost: Non-marketable equity securities: Federal Home Loan Bank stock $ 52 $ — $ — $ 52 Federal Reserve Bank stock 300 — — 300 Other securities, at fair value Mutual funds 42 — — 42 Equity securities 16 1 — 17 Total other securities $ 410 $ 1 $ — $ 411 (1) Amortized cost amounts excludes accrued interest receivable, which is recorded within other assets on the Consolidated Balance Sheet s . At March 31, 2021, accrued interest receivable on available-for-sale securities and held-to-maturity securities totaled $40 million and $18 million, respectively. Unrealized (dollar amounts in millions) Amortized Gross Gross Fair Value December 31, 2020 Available-for-sale securities: U.S. Treasury $ 5 $ — $ — $ 5 Federal agencies: Residential CMO $ 3,550 $ 121 $ (5) $ 3,666 Residential MBS 7,843 97 (5) 7,935 Commercial MBS 1,151 21 (9) 1,163 Other agencies 60 2 — 62 Total U.S. Treasury, federal agency and other agency securities 12,609 241 (19) 12,831 Municipal securities 2,928 91 (15) 3,004 Private-label CMO 9 — — 9 Asset-backed securities 185 7 — 192 Corporate debt 440 5 — 445 Other securities/Sovereign debt 4 — — 4 Total available-for-sale securities $ 16,175 $ 344 $ (34) $ 16,485 Held-to-maturity securities: Federal agencies: Residential CMO $ 1,779 $ 88 $ — $ 1,867 Residential MBS 3,715 103 — 3,818 Commercial MBS 3,118 191 — 3,309 Other agencies 246 12 — 258 Total federal agency and other agency securities 8,858 394 — 9,252 Municipal securities 3 — — 3 Total held-to-maturity securities $ 8,861 $ 394 $ — $ 9,255 Other securities, at cost: Non-marketable equity securities: Federal Home Loan Bank stock $ 60 $ — $ — $ 60 Federal Reserve Bank stock 299 — — 299 Other securities, at fair value Mutual funds 50 — — 50 Equity securities 8 1 — 9 Total other securities $ 417 $ 1 $ — $ 418
Investments by Contractual Maturity	The following table provides the amortized cost and fair value of securities by contractual maturity at March 31, 2021 and December 31, 2020. Expected maturities may differ from contractual maturities as issuers may have the right to call or prepay obligations with or without incurring penalties. March 31, 2021 December 31, 2020 (dollar amounts in millions) Amortized Cost Fair Value Amortized Cost Fair Value Available-for-sale securities: Under 1 year $ 366 $ 357 $ 308 $ 304 After 1 year through 5 years 1,228 1,237 1,145 1,154 After 5 years through 10 years 2,127 2,144 1,607 1,654 After 10 years 15,630 15,637 13,115 13,373 Total available-for-sale securities $ 19,351 $ 19,375 $ 16,175 $ 16,485 Held-to-maturity securities: After 1 year through 5 years $ 142 $ 148 $ 160 $ 169 After 5 years through 10 years 121 126 131 138 After 10 years 7,552 7,788 8,570 8,948 Total held-to-maturity securities $ 7,815 $ 8,062 $ 8,861 $ 9,255
Investments with Unrealized Losses by Investment Category	The following tables provide detail on investment securities with unrealized losses aggregated by investment category and the length of time the individual securities have been in a continuous loss position at March 31, 2021 and December 31, 2020: Less than 12 Months Over 12 Months Total (dollar amounts in millions) Fair Gross Unrealized Fair Gross Unrealized Fair Gross Unrealized March 31, 2021 Available-for-sale securities: Federal agencies: Residential CMO $ 413 $ (9) $ — $ — $ 413 $ (9) Residential MBS 7,919 (124) — — 7,919 (124) Commercial MBS 761 (63) — — 761 (63) Total federal agency and other agency securities 9,093 (196) — — 9,093 (196) Municipal securities 163 (7) 463 (12) 626 (19) Asset-backed securities 65 (1) — — 65 (1) Corporate debt 816 (31) — — 816 (31) Total temporarily impaired available-for-sale securities $ 10,137 $ (235) $ 463 $ (12) $ 10,600 $ (247) Held-to-maturity securities: Federal agencies: Residential MBS $ 1,235 (18) — — 1,235 (18) Total temporarily impaired held-to-maturity securities $ 1,235 $ (18) $ — $ — $ 1,235 $ (18) Less than 12 Months Over 12 Months Total (dollar amounts in millions) Fair Gross Unrealized Fair Gross Unrealized Fair Gross Unrealized December 31, 2020 Available-for-sale securities: Federal agencies: Residential CMO $ 302 $ (5) $ — $ — $ 302 $ (5) Residential MBS 1,633 (5) — — 1,633 (5) Commercial MBS 321 (9) — — 321 (9) Total federal agency and other agency securities 2,256 (19) — — 2,256 (19) Municipal securities 110 (3) 490 (12) 600 (15) Asset-backed securities 15 — — — 15 — Corporate debt 51 — — — 51 — Total temporarily impaired available-for-sale securities $ 2,432 $ (22) $ 490 $ (12) $ 2,922 $ (34)

LOANS _ LEASES (Tables)

LOANS / LEASES (Tables)	3 Months Ended
	Mar. 31, 2021
Receivables [Abstract]
Loan and Lease Portfolio	The following table provides a detailed listing of Huntington’s loan and lease portfolio at March 31, 2021 and December 31, 2020. (dollar amounts in millions) March 31, 2021 December 31, 2020 Loans and leases: Commercial and industrial $ 34,464 $ 35,373 Commercial real estate 7,179 7,199 Automobile 12,591 12,778 Home equity 8,727 8,894 Residential mortgage 12,092 12,141 RV and marine 4,218 4,190 Other consumer 959 1,033 Loans and leases $ 80,230 $ 81,608 Allowance for loan and lease losses (1,703) (1,814) Net loans and leases $ 78,527 $ 79,794
Direct Financing Lease, Lease Income	The following table presents net investments in lease financing receivables by category at March 31, 2021 and December 31, 2020. (dollar amounts in millions) March 31, December 31, Commercial and industrial: Lease payments receivable $ 1,714 $ 1,737 Estimated residual value of leased assets 622 664 Gross investment in commercial and industrial lease financing receivables 2,336 2,401 Deferred origination costs 21 21 Deferred fees (190) (200) Total net investment in commercial and industrial lease financing receivables $ 2,167 $ 2,222
NALs and Past Due Loans	The following table presents NALs by loan class at March 31, 2021 and December 31, 2020 (1): March 31, 2021 December 31, 2020 (dollar amounts in millions) Nonaccrual loans with no ACL Total nonaccrual loans Nonaccrual loans with no ACL Total nonaccrual loans Commercial and industrial $ 103 $ 343 $ 69 $ 353 Commercial real estate — 8 8 15 Automobile — 3 — 4 Home equity — 71 — 70 Residential mortgage — 90 — 88 RV and marine — 1 — 2 Total nonaccrual loans $ 103 $ 516 $ 77 $ 532
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 March 31, 2021 and December 31, 2020: March 31, 2021 Past Due (1) Loans Accounted for Under FVO Total Loans 90 or (dollar amounts in millions) 30-59 60-89 90 or Total Current Commercial and industrial $ 37 $ 20 $ 96 $ 153 $ 34,311 $ — $ 34,464 $ 8 (3) Commercial real estate 1 1 2 4 7,175 — 7,179 — Automobile 50 12 6 68 12,523 — 12,591 5 Home equity 23 11 58 92 8,634 1 8,727 10 Residential mortgage 78 26 194 298 11,677 117 12,092 128 (4) RV and marine 11 3 2 16 4,202 — 4,218 1 Other consumer 6 2 2 10 949 — 959 2 Total loans and leases $ 206 $ 75 $ 360 $ 641 $ 79,471 $ 118 $ 80,230 $ 154 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 (1) NALs are included in this aging analysis based on the loan’s past due status. (2) The principal balance of loans in payment deferral programs offered in response to the COVID-19 pandemic which are performing according to their modified terms are generally not considered delinquent. (3) Amounts include Huntington Technology Finance administrative lease delinquencies.
Loan and lease balances by credit quality indicator	The following tables present each loan and lease class by vintage and credit quality indicator at March 31, 2021 and December 31, 2020 respectively: As of March 31, 2021 Term Loans Amortized Cost Basis by Origination Year Revolver Total at Amortized Cost Basis Revolver Total Converted to Term Loans (dollar amounts in millions) 2021 2020 2019 2018 2017 Prior Total (3) Commercial and industrial Credit Quality Indicator (1): Pass $ 4,040 $ 10,291 $ 4,087 $ 2,369 $ 1,215 $ 1,605 $ 8,656 $ 2 $ 32,265 OLEM 122 282 98 91 41 92 128 — 854 Substandard 54 216 110 176 184 212 386 — 1,338 Doubtful 1 4 — 1 — — 1 — 7 Total Commercial and industrial $ 4,217 $ 10,793 $ 4,295 $ 2,637 $ 1,440 $ 1,909 $ 9,171 $ 2 $ 34,464 Commercial real estate Credit Quality Indicator (1): Pass $ 406 $ 1,605 $ 1,475 $ 1,077 $ 454 $ 999 $ 624 $ — $ 6,640 OLEM 2 88 31 62 68 35 1 — 287 Substandard 4 23 114 7 27 38 39 — 252 Total Commercial real estate $ 412 $ 1,716 $ 1,620 $ 1,146 $ 549 $ 1,072 $ 664 $ — $ 7,179 Automobile Credit Quality Indicator (2): 750+ $ 771 $ 2,381 $ 1,817 $ 991 $ 608 $ 279 $ — $ — $ 6,847 650-749 479 1,895 1,161 642 315 163 — — 4,655 <650 44 336 271 216 132 90 — — 1,089 Total Automobile $ 1,294 $ 4,612 $ 3,249 $ 1,849 $ 1,055 $ 532 $ — $ — $ 12,591 Home equity Credit Quality Indicator (2): 750+ $ 187 $ 780 $ 21 $ 22 $ 28 $ 479 $ 4,201 $ 189 $ 5,907 650-749 37 137 8 6 8 171 1,810 176 2,353 <650 1 1 1 1 2 74 286 100 466 Total Home equity $ 225 $ 918 $ 30 $ 29 $ 38 $ 724 $ 6,297 $ 465 $ 8,726 Residential mortgage Credit Quality Indicator (2): 750+ $ 963 $ 3,204 $ 1,143 $ 727 $ 883 $ 1,723 $ 1 $ — $ 8,644 650-749 254 836 355 255 249 621 — — 2,570 <650 7 37 90 113 106 408 — — 761 Total Residential mortgage $ 1,224 $ 4,077 $ 1,588 $ 1,095 $ 1,238 $ 2,752 $ 1 $ — $ 11,975 RV and marine Credit Quality Indicator (2): 750+ $ 267 $ 1,050 $ 491 $ 547 $ 311 $ 375 $ — $ — $ 3,041 650-749 46 351 193 182 126 176 — — 1,074 <650 — 8 15 21 22 37 — — 103 Total RV and marine $ 313 $ 1,409 $ 699 $ 750 $ 459 $ 588 $ — $ — $ 4,218 Other consumer Credit Quality Indicator (2): 750+ $ 22 $ 59 $ 52 $ 21 $ 6 $ 16 $ 319 $ 2 $ 497 650-749 9 30 46 15 4 4 264 28 400 <650 — 2 7 3 1 1 25 23 62 Total Other consumer $ 31 $ 91 $ 105 $ 39 $ 11 $ 21 $ 608 $ 53 $ 959 (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 March 31, 2021, presented in other assets within the Condensed Consolidated Balance Sheet s, was $140 million and $119 million of commercial and consumer, respectively. 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 Condensed Consolidated Balance Sheet s, was $146 million and $123 million of commercial and consumer, respectively.
Detailed troubled debt restructuring information by class	The following table presents, by class and modification type, the number of contracts, post-modification outstanding balance, and the financial effects of the modification for the three-month periods ended March 31, 2021 and 2020. New Troubled Debt Restructurings (1) Three Months Ended March 31, 2021 Number of Post-modification Outstanding Recorded Investment (2) (dollar amounts in millions) Interest rate reduction Amortization or maturity date change Chapter 7 bankruptcy Other Total Commercial and industrial 12 $ — $ 5 $ — $ — $ 5 Automobile 902 — 7 1 — 8 Home equity 62 — 1 2 — 3 Residential mortgage 86 — 13 1 — 14 RV and marine 49 — 1 — — 1 Other consumer 97 — — — 1 1 Total new TDRs 1,208 $ — $ 27 $ 4 $ 1 $ 32 Three Months Ended March 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 140 $ — $ 62 $ — $ — $ 62 Commercial real estate 7 — 2 — — 2 Automobile 798 — 6 2 — 8 Home equity 63 — 1 2 — 3 Residential mortgage 101 — 9 2 — 11 RV and marine 28 — 1 — — 1 Other consumer 249 1 — — — 1 Total new TDRs 1,386 $ 1 $ 81 $ 6 $ — $ 88 (1) TDRs may include multiple concessions and the disclosure classifications are based on the primary concession provided to the borrower. (2) Post-modification balances approximate pre-modification balances.

ALLOWANCE FOR CREDIT LOSSES (Ta

ALLOWANCE FOR CREDIT LOSSES (Tables)	3 Months Ended
	Mar. 31, 2021
Credit Loss [Abstract]
Allowance Roll-forward	Allowance for Loan and Lease Losses and Allowance for Credit Losses - Roll-forward The following tables present ALLL and AULC activity by portfolio segment for the three-month periods ended March 31, 2021 and 2020. (dollar amounts in millions) Commercial Consumer Total Three-month period ended March 31, 2021: ALLL balance, beginning of period $ 1,236 $ 578 $ 1,814 Loan charge-offs (61) (34) (95) Recoveries of loans previously charged-off 12 19 31 Provision for loan and lease losses 10 (57) (47) ALLL balance, end of period $ 1,197 $ 506 $ 1,703 AULC balance, beginning of period $ 34 $ 18 $ 52 Provision (reduction in allowance) for unfunded loan commitments and letters of credit (6) (7) (13) Unfunded commitment losses (1) — (1) AULC balance, end of period $ 27 $ 11 $ 38 ACL balance, end of period $ 1,224 $ 517 $ 1,741 (dollar amounts in millions) Commercial Consumer Total Three-month period ended March 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 (88) (48) (136) Recoveries of loans previously charged-off 5 14 19 Provision for loan and lease losses 347 100 447 ALLL balance, end of period $ 996 $ 508 $ 1,504 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 (5) (1) (6) Unfunded commitment losses (1) — (1) AULC balance, end of period $ 58 $ 41 $ 99 ACL balance, end of period $ 1,054 $ 549 $ 1,603

MORTGAGE LOAN SALES AND SERVI_2

MORTGAGE LOAN SALES AND SERVICING RIGHTS (Tables)	3 Months Ended
	Mar. 31, 2021
Transfers and Servicing [Abstract]
Summarizes activity relating to loans securitized sold with servicing retained	The following table summarizes activity relating to residential mortgage loans sold with servicing retained for the three-month periods ended March 31, 2021 and 2020: Three Months Ended (dollar amounts in millions) 2021 2020 Residential mortgage loans sold with servicing retained $ 2,256 $ 1,428 Pretax gains resulting from above loan sales (1) 93 39 (1) Recorded in mortgage banking income
Summarizes activity relating to loans sold with servicing retained using the fair value method	The following table summarizes the changes in MSRs recorded using the fair value method for the three-month periods ended March 31, 2021 and 2020 (1): Three Months Ended (dollar amounts in millions) 2021 2020 (1) Fair value, beginning of period $ 210 $ 7 Fair value election for servicing assets previously measured using the amortized method — 205 New servicing assets created 33 14 Change in fair value during the period due to: Time decay (2) (3) (2) Payoffs (3) (17) (6) Changes in valuation inputs or assumptions (4) 51 (53) Fair value, end of period $ 274 $ 165 Weighted-average life (years) 7.0 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 rates.
Summary of key assumptions and the sensitivity of the servicing rights value to changes in the assumptions	For MSRs under the fair value method, a summary of key assumptions and the sensitivity of the MSR value to changes in these assumptions at March 31, 2021, and December 31, 2020 follows: March 31, 2021 December 31, 2020 (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) 12.30 % $ (15) $ (28) 17.36 % $ (12) $ (23) Spread over forward interest rate swap rates 509 bps (6) (12) 519 bps (4) (8) (1) Prior to January 1, 2020, substantially all of Huntington’s MSR assets were recorded at amortized cost.

OTHER COMPREHENSIVE INCOME (Tab

OTHER COMPREHENSIVE INCOME (Tables)	3 Months Ended
	Mar. 31, 2021
Equity [Abstract]
Components of other comprehensive income	The components of Huntington’s OCI for the three-month periods ended March 31, 2021 and 2020, were as follows: Three Months Ended Tax (expense) (dollar amounts in millions) Pretax Benefit After-tax Unrealized gains (losses) on available-for-sale securities arising during the period $ (287) $ 64 $ (223) Less: Reclassification adjustment for realized net losses (gains) included in net income 9 (2) 7 Net change in unrealized holding gains (losses) on available-for-sale securities (278) 62 (216) Net change in fair value on cash flow hedges (44) 10 (34) Net change in pension and other post-retirement obligations 3 (1) 2 Total other comprehensive income (loss) $ (319) $ 71 $ (248) Three Months Ended Tax (expense) (dollar amounts in millions) Pretax Benefit After-tax Unrealized gains (losses) on available-for-sale securities arising during the period $ 217 $ (48) $ 169 Less: Reclassification adjustment for realized net losses (gains) included in net income 5 (1) 4 Net change in unrealized gains (losses) on available-for-sale securities 222 (49) 173 Net change in fair value on cash flow hedges 396 (88) 308 Net change in pension and other post-retirement obligations 2 — 2 Total other comprehensive income (loss) $ 620 $ (137) $ 483
Activity in accumulated other comprehensive income, net of tax	Activity in accumulated OCI for the three-month periods ended March 31, 2021 and 2020, were as follows: (dollar amounts in millions) Unrealized gains (losses) on debt securities (1) Change in fair value related to cash flow hedges Unrealized gains (losses) for pension and other post- retirement obligations (2) Total Three Months Ended March 31, 2021 Balance, beginning of period $ 188 $ 257 $ (253) $ 192 Other comprehensive income before reclassifications (223) (34) — (257) Amounts reclassified from accumulated OCI to earnings 7 — 2 9 Period change (216) (34) 2 (248) Balance, end of period $ (28) $ 223 $ (251) $ (56) Three Months Ended March 31, 2020 Balance, beginning of period $ (28) $ 23 $ (251) $ (256) Other comprehensive income before reclassifications 169 308 — 477 Amounts reclassified from accumulated OCI to earnings 4 — 2 6 Period change 173 308 2 483 Balance, end of period $ 145 $ 331 $ (249) $ 227 (1) AOCI amounts at March 31, 2021, December 31, 2020 and March 31, 2020 include $60 million, $69 million and $87 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)	3 Months Ended
	Mar. 31, 2021
Equity [Abstract]
Schedule of Stock	The following is a summary of Huntington’s non-cumulative, non-voting, perpetual preferred stock outstanding as of March 31, 2021. (dollar amounts in millions) Series Issuance Date Total Shares Outstanding Carrying Amount Dividend Rate Earliest Redemption Date Series B 12/28/2011 35,500 $ 23 3-mo. LIBOR + 270 bps 1/15/2017 Series D 3/21/2016 400,000 386 6.25 % 4/15/2021 Series D 5/5/2016 200,000 199 6.25 % 4/15/2021 Series C 8/16/2016 100,000 100 5.875 % 10/15/2021 Series E 2/27/2018 5,000 495 5.700 % 4/15/2023 Series F 5/27/2020 5,000 494 5.625 % 7/15/2030 Series G 8/3/2020 5,000 494 4.450 % 10/15/2027 Series H 2/2/2021 500,000 485 4.500 % 4/15/2026 Total 1,250,500 $ 2,676

EARNINGS PER SHARE (Tables)

EARNINGS PER SHARE (Tables)	3 Months Ended
	Mar. 31, 2021
Earnings Per Share [Abstract]
Basic and diluted earnings loss per share	The calculation of basic and diluted earnings per share for the three-month periods ended March 31, 2021 and 2020 was as follows: Three Months Ended (dollar amounts in millions, except per share data, share count in thousands) 2021 2020 Basic earnings per common share: Net income $ 532 $ 48 Preferred stock dividends (31) (18) Net income available to common shareholders $ 501 $ 30 Average common shares issued and outstanding 1,017,512 1,017,643 Basic earnings per common share $ 0.49 $ 0.03 Diluted earnings per common share: Dilutive potential common shares: Stock options and restricted stock units and awards 18,397 12,363 Shares held in deferred compensation plans 5,094 4,570 Dilutive potential common shares 23,491 16,933 Total diluted average common shares issued and outstanding 1,041,003 1,034,576 Diluted earnings per common share $ 0.48 $ 0.03 Anti-dilutive awards (1) 1,666 8,045 (1) Reflects the total number of shares related to outstanding options that have been excluded from the computation of diluted earnings per share because the impact would have been anti-dilutive.

NONINTEREST INCOME (Tables)

NONINTEREST INCOME (Tables)	3 Months Ended
	Mar. 31, 2021
Revenue from Contract with Customer [Abstract]
Schedule of Noninterest Income	The following table shows Huntington’s total noninterest income segregated between contracts with customers within the scope of ASC 606 and those within the scope of other GAAP Topics. (dollar amounts in millions) Three Months Ended March 31, Noninterest income 2021 2020 Noninterest income from contracts with customers $ 222 $ 227 Noninterest income within the scope of other GAAP topics 173 134 Total noninterest income $ 395 $ 361 The following table illustrates the disaggregation by operating segment and major revenue stream and reconciles disaggregated revenue to segment revenue presented in Note 15 “ Segment Reporting ”. Three Months Ended March 31, 2021 (dollar amounts in millions) Consumer & Business Banking Commercial Banking Vehicle Finance RBHPCG Treasury / Other Huntington Consolidated Major Revenue Streams Service charges on deposit accounts $ 48 $ 19 $ 2 $ — $ — $ 69 Card and payment processing income 58 4 — — — 62 Trust and investment management services 13 1 — 38 — 52 Insurance income 12 2 — 13 — 27 Other noninterest income 6 2 1 1 2 12 Net revenue from contracts with customers $ 137 $ 28 $ 3 $ 52 $ 2 $ 222 Noninterest income within the scope of other GAAP topics 99 60 — 1 13 173 Total noninterest income $ 236 $ 88 $ 3 $ 53 $ 15 $ 395 Three Months Ended March 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 $ 68 $ 17 $ 1 $ 1 $ — $ 87 Card and payment processing income 52 4 — — — 56 Trust and investment management services 10 1 — 36 — 47 Insurance income 8 2 — 12 1 23 Other noninterest income 8 3 1 1 1 14 Net revenue from contracts with customers $ 146 $ 27 $ 2 $ 50 $ 2 $ 227 Noninterest income within the scope of other GAAP topics 66 59 1 — 8 134 Total noninterest income $ 212 $ 86 $ 3 $ 50 $ 10 $ 361

FAIR VALUES OF ASSETS AND LIA_2

FAIR VALUES OF ASSETS AND LIABILITIES (Tables)	3 Months Ended
	Mar. 31, 2021
Fair Value Disclosures [Abstract]
Assets and liabilities measured at fair value on a recurring basis	Assets and Liabilities measured at fair value on a recurring basis Assets and liabilities measured at fair value on a recurring basis at March 31, 2021 and December 31, 2020 are summarized below: Fair Value Measurements at Reporting Date Using Netting Adjustments (1) March 31, 2021 (dollar amounts in millions) Level 1 Level 2 Level 3 Assets Trading account securities: Municipal securities $ — $ 48 $ — $ — $ 48 Corporate debt — 3 — — 3 — 51 — — 51 Available-for-sale securities: U.S. Treasury securities 5 — — — 5 Residential CMOs — 3,172 — — 3,172 Residential MBS — 10,645 — — 10,645 Commercial MBS — 1,227 — — 1,227 Other agencies — 46 — — 46 Municipal securities — 52 3,070 — 3,122 Private-label CMO — 39 11 — 50 Asset-backed securities — 200 47 — 247 Corporate debt — 857 — — 857 Other securities/sovereign debt — 4 — — 4 5 16,242 3,128 — 19,375 Other securities 42 17 — — 59 Loans held for sale — 1,531 — — 1,531 Loans held for investment — 96 22 — 118 MSRs — — 274 — 274 Derivative assets — 1,808 21 (816) 1,013 Liabilities Derivative liabilities — 863 11 (703) 171 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 (1) Amounts represent the impact of legally enforceable master netting agreements that allow the Company to settle positive and negative positions and cash collateral held or placed with the same counterparties.
Rollforward of financial instruments measured on a recurring basis and classified as Level 3	The tables below present a rollforward of the balance sheet amounts for the three-month periods ended March 31, 2021 and 2020, for financial instruments measured on a recurring basis and classified as Level 3. The classification of an item as Level 3 is based on the significance of the unobservable inputs to the overall fair value measurement. However, Level 3 measurements may also include observable components of value that can be validated externally. Accordingly, the gains and losses in the table below include changes in fair value due in part to observable factors that are part of the valuation methodology. Level 3 Fair Value Measurements Available-for-sale securities Loans held for investment (dollar amounts in millions) MSRs Derivative instruments Municipal securities Private- Asset-backed securities Opening balance $ 210 $ 41 $ 2,951 $ 9 $ 10 $ 23 Transfers out of Level 3 (1) — (39) — — — — Total gains/losses for the period: Included in earnings 51 8 — — — — Included in OCI — — (4) — — — Purchases/originations 33 — 209 2 37 — Repayments — — — — — (1) Settlements (20) — (86) — — — Closing balance $ 274 $ 10 $ 3,070 $ 11 $ 47 $ 22 Change in unrealized gains or losses for the period included in earnings for assets held at end of the reporting date $ 51 $ (26) $ — $ — $ — $ — Change in unrealized gains or losses for the period included in other comprehensive income for assets held at the end of the reporting period — — (5) — — — Level 3 Fair Value Measurements MSRs Derivative instruments Available-for-sale securities Loans held for investment (dollar amounts in millions) Municipal securities Private- label CMO Asset-backed securities Opening balance $ 7 $ 6 $ 2,999 $ 2 $ 48 $ 26 Fair value election for servicing assets previously measured using the amortized method 205 — — — — — Transfers out of Level 3 (1) — (20) — — — — Total gains/losses for the period: Included in earnings (47) 53 (1) — — — Included in OCI — — (68) — — — Purchases/originations — — 73 — 27 — Settlements — — (66) — (6) — Closing balance $ 165 $ 39 $ 2,937 $ 2 $ 69 $ 26 Change in unrealized gains or losses for the period included in earnings for assets held at end of the reporting date $ (47) $ 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) $ — 0 $ — $ — (1) Transfers out of Level 3 represent the settlement value of the derivative instruments (i.e. interest rate lock agreements) that is transferred to loans held for sale, which is classified as Level 2.
Classification of gains and losses due to changes in fair value, recorded in earnings for Level 3 assets and liabilities	The tables below summarize the classification of gains and losses due to changes in fair value, recorded in earnings for Level 3 assets and liabilities for the three-month periods ended March 31, 2021 and 2020: Level 3 Fair Value Measurements (dollar amounts in millions) MSRs Derivative instruments Classification of gains and losses in earnings: Mortgage banking income $ 51 $ 8 Total $ 51 $ 8 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 $ (47) $ 53 $ — Interest and fee income — — (1) Total $ (47) $ 53 $ (1)
Assets and liabilities under the fair value option	The following tables present the fair value and aggregate principal balance of certain assets and liabilities under the fair value option: March 31, 2021 (dollar amounts in millions) Total Loans Loans that are 90 or more days past due Assets Fair value carrying amount Aggregate unpaid principal Difference Fair value carrying amount Aggregate unpaid principal Difference Loans held for sale $ 1,531 $ 1,501 $ 30 $ — $ — $ — Loans held for investment 118 123 (5) 4 5 (1) December 31, 2020 (dollar amounts in millions) Total Loans Loans that are 90 or more days past due Assets Fair value carrying amount Aggregate unpaid principal Difference Fair value carrying amount Aggregate unpaid principal Difference Loans held for sale $ 1,198 $ 1,134 $ 64 $ 2 $ 2 $ — Loans held for investment 94 99 (5) 7 8 (1) The following table present the net gains (losses) from fair value changes for the three-month periods ended March 31, 2021 and 2020. Net gains (losses) from fair value changes (dollar amounts in millions) Three Months Ended March 31, Assets 2021 2020 Loans held for sale (1) $ (34) $ 19 (1) The net gains (losses) from fair value changes are included in Mortgage banking income on the Unaudited Condensed Consolidated Statements of Income.
Assets measured at fair value on a nonrecurring basis	The amounts measured at fair value on a nonrecurring basis at March 31, 2021 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 12 — — 12 (1)
Quantitative information about significant unobservable level 3 fair value measurement inputs	Quantitative Information about Level 3 Fair Value Measurements at March 31, 2021 (1) (1) (dollar amounts in millions) Fair Value Valuation Technique Significant Unobservable Input Range Weighted Average Measured at fair value on a recurring basis: MSRs $ 274 Discounted cash flow Constant prepayment rate 6 % - 22% 12 % Spread over forward interest rate swap rates 3 % - 11% 5 % Derivative assets 21 Consensus Pricing Net market price (5) % - 12% 1 % Estimated Pull through % 6 % - 100% 90 % Municipal securities 3,070 Discounted cash flow Discount rate — % - 2% 1 % Asset-backed securities 47 Cumulative default — % - 39% 4 % Loss given default 5 % - 80% 25 % Measured at fair value on a nonrecurring basis: Collateral-dependent loans 12 Appraisal value N/A N/A 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 N/A NA
Carrying amounts and estimated fair values of financial instruments	The following table provides the carrying amounts and estimated fair values of Huntington’s financial instruments at March 31, 2021 and December 31, 2020: March 31, 2021 (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 $ 8,641 $ — $ — $ 8,641 $ 8,641 Trading account securities — — 51 51 51 Available-for-sale securities — — 19,375 19,375 19,375 Held-to-maturity securities 7,815 — — 7,815 8,062 Other securities 352 — 59 411 411 Loans held for sale — 6 1,531 1,537 1,537 Net loans and leases (1) 78,409 — 118 78,527 78,603 Derivative assets — — 1,013 1,013 1,013 Financial Liabilities Deposits 102,184 — — 102,184 102,231 Short-term borrowings 219 — — 219 219 Long-term debt 7,210 — — 7,210 7,305 Derivative liabilities — — 171 171 171 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 (1) Includes collateral-dependent loans. The following table presents the level in the fair value hierarchy for the estimated fair values at March 31, 2021 and December 31, 2020: Estimated Fair Value Measurements at Reporting Date Using Netting Adjustments (1) March 31, 2021 (dollar amounts in millions) Level 1 Level 2 Level 3 Financial Assets Trading account securities $ — $ 51 $ — $ 51 Available-for-sale securities 5 16,242 3,128 19,375 Held-to-maturity securities — 8,062 — 8,062 Other securities (2) 42 17 — 59 Loans held for sale — 1,531 6 1,537 Net loans and direct financing leases — 96 78,507 78,603 Derivative assets — 1,808 21 $ (816) 1,013 Financial Liabilities Deposits — 99,998 2,233 102,231 Short-term borrowings — 219 — 219 Long-term debt — 6,736 569 7,305 Derivative liabilities — 863 11 (703) 171 Estimated Fair Value Measurements at Reporting Date Using Netting Adjustments (1) December 31, 2020 (dollar amounts in millions) Level 1 Level 2 Level 3 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

DERIVATIVE FINANCIAL INSTRUME_2

DERIVATIVE FINANCIAL INSTRUMENTS (Tables)	3 Months Ended
	Mar. 31, 2021
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Asset and liability derivatives included in accrued income and other assets	March 31, 2021 December 31, 2020 (dollar amounts in millions) Notional Value Asset Liability Notional Value Asset Liability Derivatives designated as Hedging Instruments Interest rate contracts $ 24,937 $ 638 $ 42 $ 27,056 $ 719 $ 51 Derivatives not designated as Hedging Instruments Interest rate contracts 55,792 1,034 686 44,495 1,074 828 Foreign exchange contracts 2,737 44 42 2,718 46 47 Commodities contracts 1,660 101 98 1,952 107 103 Equity contracts 502 12 6 517 — 4 Total Contracts $ 85,628 $ 1,829 $ 874 $ 76,738 $ 1,946 $ 1,033
Gains and (losses) recognized in other comprehensive income (loss) (OCI) for derivatives designated as effective cash flow hedges	The following table presents the amount of gain or loss recognized in income for derivatives not designated as hedging instruments under ASC Subtopic 815-10 in the Unaudited Condensed Consolidated Income Statement for the three-month periods ended March 31, 2021 and 2020, respectively. Location of Gain or (Loss) Recognized in Income on Derivative Amount of Gain or (Loss) Recognized in Income on Derivative Three Months Ended (dollar amounts in millions) 2021 2020 Interest rate contracts: Customer Capital markets fees $ 12 $ 18 Mortgage Banking Mortgage banking income (6) 96 Interest rate floors Interest and fee income on loans and leases (2) — Interest rate caps Interest expense on long-term debt 144 — Foreign exchange contracts Capital markets fees 6 6 Commodities contracts Capital markets fees — 2 Equity contracts Other noninterest expense (7) (2) Total $ 147 $ 120
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 March 31, 2021 and December 31, 2020, identified by the underlying interest rate-sensitive instruments. March 31, 2021 (dollar amounts in millions) Fair Value Hedges Cash Flow Hedges Economic Hedges Total Instruments associated with: Investment securities $ 3,190 $ — $ — $ 3,190 Loans — 16,350 1,271 17,621 Long-term debt 5,397 — 8,000 13,397 Total notional value at March 31, 2021 $ 8,587 $ 16,350 $ 9,271 $ 34,208 December 31, 2020 (dollar amounts in millions) Fair Value Hedges Cash Flow Hedges Economic Hedges Total Instruments associated with: Investment securities $ 3,484 $ — $ — $ 3,484 Loans — 17,375 1,271 18,646 Long-term debt 6,197 — 5,000 11,197 Total notional value at December 31, 2020 $ 9,681 $ 17,375 $ 6,271 $ 33,327
Increase or (decrease) to interest expense for derivatives designated as fair value hedges	The following table presents the change in fair value for derivatives designated as fair value hedges as well as the offsetting change in fair value on the hedged item for the three-month periods ended March 31, 2021 and 2020. Three Months Ended (dollar amounts in millions) 2021 2020 Interest rate contracts Change in fair value of interest rate swaps hedging investment securities (1) $ 43 $ — Change in fair value of hedged investment securities (1) (44) — Change in fair value of interest rate swaps hedging long-term debt (2) (50) 200 Change in fair value of hedged long term debt (2) 52 (190) (1) Recognized in Interest income—available-for-sale securities—taxable in the Unaudited Condensed Consolidated Statements of Income (2) Recognized in Interest expense—long-term debt in the Unaudited Condensed Consolidated Statements of Income .
Amounts recorded on the balance sheet related to cumulative basis adjustments	As of March 31, 2021, and 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 (dollar amounts in millions) March 31, 2021 December 31, 2020 March 31, 2021 December 31, 2020 Assets Investment securities (1) $ 5,713 $ 6,637 $ 1 $ 3 Liabilities Long-term debt 5,538 6,383 180 232 (1) Amounts include the amortized cost basis of closed portfolios used to designate hedging relationships in which the hedged item is the last layer expected to be remaining at the end of the hedging relationship. As of March 31, 2021, the amortized cost basis of the closed portfolios used in these hedging relationships was $5.3 billion, the cumulative basis adjustments associated with these hedging relationships was $1 million, and the amounts of the designated hedged items were $2.8 billion.
Offsetting of financial assets and derivatives assets	The following tables present the gross amounts of these assets and liabilities with any offsets to arrive at the net amounts recognized in the Unaudited Condensed Consolidated Balance Sheets at March 31, 2021 and December 31, 2020. Offsetting of Financial Assets and Derivative Assets Gross amounts Net amounts of Gross amounts not offset in the (dollar amounts in millions) Gross amounts of recognized assets Financial instruments Cash collateral received Net amount March 31, 2021 $ 1,829 $ (816) $ 1,013 $ (82) $ (190) $ 741 December 31, 2020 1,946 (889) 1,057 (112) (142) 803
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: (dollar amounts in millions) March 31, December 31, Notional value $ 875 $ 1,170 Trading assets 9 43 Three Months Ended (dollar amounts in millions) 2021 2020 Trading gains $ (46) $ 57
Offsetting of financial liabilities and derivative liabilities	Offsetting of Financial Liabilities and Derivative Liabilities Gross amounts offset in the unaudited condensed consolidated balance sheets Net amounts of liabilities presented in the unaudited condensed consolidated balance sheets Gross amounts not offset in the unaudited condensed consolidated balance sheets (dollar amounts in millions) Gross amounts of recognized liabilities Financial instruments Cash collateral delivered Net amount March 31, 2021 $ 874 $ (703) $ 171 $ (17) $ (173) $ (19) December 31, 2020 1,033 (917) 116 (9) (105) 2

VIEs (Tables)

VIEs (Tables)	3 Months Ended
	Mar. 31, 2021
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Carrying amount and classification of the trusts assets and liabilities	The following tables provide a summary of the assets and liabilities included in Huntington’s Unaudited Condensed Consolidated Financial Statements, as well as the maximum exposure to losses, associated with its interests related to unconsolidated VIEs for which Huntington holds an interest in, but is not the primary beneficiary, of the VIE at March 31, 2021, and December 31, 2020: March 31, 2021 (dollar amounts in millions) Total Assets Total Liabilities Maximum Exposure to Loss Trust Preferred Securities $ 14 $ 253 $ — Affordable Housing Tax Credit Partnerships 945 445 945 Other Investments 329 72 329 Total $ 1,288 $ 770 $ 1,274 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
Summary of Outstanding Trust Preferred Securities	A list of trust preferred securities outstanding at March 31, 2021 follows: (dollar amounts in millions) Rate Principal amount of subordinated note/ debenture issued to trust (1) Investment in unconsolidated subsidiary Huntington Capital I 0.81 % (2) $ 70 $ 6 Huntington Capital II 0.74 (3) 32 3 Sky Financial Capital Trust III 1.51 (4) 72 2 Sky Financial Capital Trust IV 1.51 (4) 74 2 Camco Financial Trust 1.44 (5) 5 1 Total $ 253 $ 14 (1) Represents the principal amount of debentures issued to each trust, including unamortized original issue discount. (2) Variable effective rate at March 31, 2021, based on three-month LIBOR +0.70%. (3) Variable effective rate at March 31, 2021, based on three-month LIBOR +0.625%. (4) Variable effective rate at March 31, 2021, based on three-month LIBOR +1.40%. (5) Variable effective rate at March 31, 2021, based on three-month LIBOR +1.33%.
Affordable housing tax credit investments	The following table presents the balances of Huntington’s affordable housing tax credit investments and related unfunded commitments at March 31, 2021 and December 31, 2020. (dollar amounts in millions) March 31, December 31, Affordable housing tax credit investments $ 1,582 $ 1,568 Less: amortization (637) (612) Net affordable housing tax credit investments $ 945 $ 956 Unfunded commitments $ 445 $ 500 The following table presents other information relating to Huntington’s affordable housing tax credit investments for the three-month periods ended March 31, 2021 and 2020. Three Months Ended (dollar amounts in millions) 2021 2020 Tax credits and other tax benefits recognized $ 33 $ 29 Proportional amortization expense included in provision for income taxes 28 25

COMMITMENTS AND CONTINGENT LI_2

COMMITMENTS AND CONTINGENT LIABILITIES (Tables)	3 Months Ended
	Mar. 31, 2021
Commitments and Contingencies Disclosure [Abstract]
Contract amounts of various commitments to extend credit	In the ordinary course of business, Huntington makes various commitments to extend credit that are not reflected in the Unaudited Condensed Consolidated Financial Statements. The contract amounts of these financial agreements at March 31, 2021 and December 31, 2020, were as follows: (dollar amounts in millions) March 31, December 31, Contract amount representing credit risk Commitments to extend credit: Commercial $ 21,580 $ 20,701 Consumer 14,966 14,808 Commercial real estate 1,315 1,313 Standby letters of credit 632 581 Commercial letters of credit 12 21

SEGMENT REPORTING (Tables)

SEGMENT REPORTING (Tables)	3 Months Ended
	Mar. 31, 2021
Segment Reporting [Abstract]
Schedule of Segment Reporting Information, by Segment	Three Months Ended March 31, Income Statements Consumer & Business Banking Commercial Banking Vehicle Finance RBHPCG Treasury / Other Huntington Consolidated (dollar amounts in millions) 2021 Net interest income $ 337 $ 199 $ 107 $ 34 $ 295 $ 972 Provision (benefit) for credit losses (36) 5 (22) (7) — (60) Noninterest income 236 88 3 53 15 395 Noninterest expense 469 133 35 62 94 793 Provision (benefit) for income taxes 29 31 21 7 14 102 Net income (loss) $ 111 $ 118 $ 76 $ 25 $ 202 $ 532 2020 Net interest income $ 364 $ 232 $ 106 $ 43 $ 45 $ 790 Provision (benefit) for credit losses 82 298 60 1 — 441 Noninterest income 212 86 3 50 10 361 Noninterest expense 418 129 35 62 8 652 Provision (benefit) for income taxes 16 (23) 3 6 8 10 Net income (loss) $ 60 $ (86) $ 11 $ 24 $ 39 $ 48
Segment Disclosure of Assets and Deposits	Assets at Deposits at (dollar amounts in millions) March 31, December 31, March 31, December 31, Consumer & Business Banking $ 30,627 $ 30,758 $ 65,437 $ 60,910 Commercial Banking 36,797 36,311 25,420 24,766 Vehicle Finance 19,208 19,789 849 722 RBHPCG 6,837 7,064 7,163 7,635 Treasury / Other 32,299 29,116 3,315 4,915 Total $ 125,768 $ 123,038 $ 102,184 $ 98,948

PENDING ACQUISITION OF TCF FI_2

PENDING ACQUISITION OF TCF FINANCIAL CORPORATION - Narrative (Details) $ in Millions	3 Months Ended
	Sep. 30, 2021USD ($)	Mar. 31, 2021USD ($)Rate	Dec. 31, 2020USD ($)
Business Acquisition [Line Items]
Total Assets		$ 125,768	$ 123,038
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 and Losses (Details) - USD ($)	Mar. 31, 2021	Dec. 31, 2020
Available-for-sale securities:
Total available-for-sale securities	$ 19,351,000,000	$ 16,175,000,000
Gross Gains	271,000,000	344,000,000
Gross Losses	(247,000,000)	(34,000,000)
Fair Value	19,375,000,000	16,485,000,000
Held-to-maturity securities:
Total held-to-maturity securities	7,815,000,000	8,861,000,000
Gross Gains	265,000,000	394,000,000
Gross Losses	(18,000,000)	0
Fair Value	8,062,000,000	9,255,000,000
Other securities, cost	410,000,000	417,000,000
Other securities, fair value	411,000,000	418,000,000
Equity Securities, FV-NI, Accumulated Gross Unrealized Gain, before Tax	1,000,000	1,000,000
Equity Securities, FV-NI, Accumulated Gross Unrealized Loss, before Tax	0	0
Available-for-sale Securities [Member]
Held-to-maturity securities:
Financing Receivable, Accrued Interest, before Allowance for Credit Loss	40,000,000	32,000,000
Held-to-maturity Securities [Member]
Held-to-maturity securities:
Financing Receivable, Accrued Interest, before Allowance for Credit Loss	18,000,000	20,000,000
U.S. Treasury
Available-for-sale securities:
Total available-for-sale securities	5,000,000	5,000,000
Gross Gains	0	0
Gross Losses	0	0
Fair Value	5,000,000	5,000,000
Residential CMO
Available-for-sale securities:
Total available-for-sale securities	3,081,000,000	3,550,000,000
Gross Gains	100,000,000	121,000,000
Gross Losses	(9,000,000)	(5,000,000)
Fair Value	3,172,000,000	3,666,000,000
Held-to-maturity securities:
Total held-to-maturity securities	1,604,000,000	1,779,000,000
Gross Gains	74,000,000	88,000,000
Gross Losses	0	0
Fair Value	1,678,000,000	1,867,000,000
Residential MBS
Available-for-sale securities:
Total available-for-sale securities	10,708,000,000	7,843,000,000
Gross Gains	61,000,000	97,000,000
Gross Losses	(124,000,000)	(5,000,000)
Fair Value	10,645,000,000	7,935,000,000
Held-to-maturity securities:
Total held-to-maturity securities	3,259,000,000	3,715,000,000
Gross Gains	69,000,000	103,000,000
Gross Losses	(18,000,000)	0
Fair Value	3,310,000,000	3,818,000,000
Commercial MBS
Available-for-sale securities:
Total available-for-sale securities	1,277,000,000	1,151,000,000
Gross Gains	13,000,000	21,000,000
Gross Losses	(63,000,000)	(9,000,000)
Fair Value	1,227,000,000	1,163,000,000
Held-to-maturity securities:
Total held-to-maturity securities	2,719,000,000	3,118,000,000
Gross Gains	114,000,000	191,000,000
Gross Losses	0	0
Fair Value	2,833,000,000	3,309,000,000
Other agencies
Available-for-sale securities:
Total available-for-sale securities	44,000,000	60,000,000
Gross Gains	2,000,000	2,000,000
Gross Losses	0	0
Fair Value	46,000,000	62,000,000
Held-to-maturity securities:
Total held-to-maturity securities	230,000,000	246,000,000
Gross Gains	8,000,000	12,000,000
Gross Losses	0	0
Fair Value	238,000,000	258,000,000
Total U.S. Treasury, federal agency and other agency securities
Available-for-sale securities:
Total available-for-sale securities	15,115,000,000	12,609,000,000
Gross Gains	176,000,000	241,000,000
Gross Losses	(196,000,000)	(19,000,000)
Fair Value	15,095,000,000	12,831,000,000
Held-to-maturity securities:
Total held-to-maturity securities	7,812,000,000	8,858,000,000
Gross Gains	265,000,000	394,000,000
Gross Losses	(18,000,000)	0
Fair Value	8,059,000,000	9,252,000,000
Municipal securities
Available-for-sale securities:
Total available-for-sale securities	3,050,000,000	2,928,000,000
Gross Gains	91,000,000	91,000,000
Gross Losses	(19,000,000)	(15,000,000)
Fair Value	3,122,000,000	3,004,000,000
Held-to-maturity securities:
Total held-to-maturity securities	3,000,000	3,000,000
Gross Gains	0	0
Gross Losses	0	0
Fair Value	3,000,000	3,000,000
Private-label CMO
Available-for-sale securities:
Total available-for-sale securities	50,000,000	9,000,000
Gross Gains	0	0
Gross Losses	0	0
Fair Value	50,000,000	9,000,000
Asset-backed securities
Available-for-sale securities:
Total available-for-sale securities	244,000,000	185,000,000
Gross Gains	4,000,000	7,000,000
Gross Losses	(1,000,000)	0
Fair Value	247,000,000	192,000,000
Corporate debt
Available-for-sale securities:
Total available-for-sale securities	888,000,000	440,000,000
Gross Gains	0	5,000,000
Gross Losses	(31,000,000)	0
Fair Value	857,000,000	445,000,000
Other securities/Sovereign debt
Available-for-sale securities:
Total available-for-sale securities	4,000,000	4,000,000
Gross Gains	0	0
Gross Losses	0	0
Fair Value	4,000,000	4,000,000
Mutual funds
Held-to-maturity securities:
Other securities, cost	42,000,000	50,000,000
Other securities, fair value	42,000,000	50,000,000
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
Held-to-maturity securities:
Other securities, cost	16,000,000	8,000,000
Other securities, fair value	17,000,000	9,000,000
Equity Securities, FV-NI, Accumulated Gross Unrealized Gain, before Tax	1,000,000	1,000,000
Equity Securities, FV-NI, Accumulated Gross Unrealized Loss, before Tax	0	0
Federal Home Loan Bank stock | Non-marketable equity securities:
Held-to-maturity securities:
Other securities, cost	52,000,000	60,000,000
Other securities, fair value	52,000,000	60,000,000
Equity Securities, FV-NI, Accumulated Gross Unrealized Gain, before Tax	0	0
Equity Securities, FV-NI, Accumulated Gross Unrealized Loss, before Tax	0	0
Federal Reserve Bank stock | Non-marketable equity securities:
Held-to-maturity securities:
Other securities, cost	300,000,000	299,000,000
Other securities, fair value	300,000,000	299,000,000
Equity Securities, FV-NI, Accumulated Gross Unrealized Gain, before Tax	0	0
Equity Securities, FV-NI, Accumulated Gross Unrealized Loss, before Tax	$ 0	$ 0

INVESTMENT SECURITIES AND OTH_4

INVESTMENT SECURITIES AND OTHER SECURITIES - Contractual Maturities (Details) - USD ($) $ in Millions	Mar. 31, 2021	Dec. 31, 2020
Available-for-sale securities, amortized cost:
Under 1 year	$ 366	$ 308
After 1 year through 5 years	1,228	1,145
After 5 years through 10 years	2,127	1,607
After 10 years	15,630	13,115
Total available-for-sale securities	19,351	16,175
Available-for-sale securities, fair value:
Under 1 year	357	304
After 1 year through 5 years	1,237	1,154
After 5 years through 10 years	2,144	1,654
After 10 years	15,637	13,373
Total available-for-sale securities	19,375	16,485
Held-to-maturity securities, amortized cost:
After 1 year through 5 years	142	160
After 5 years through 10 years	121	131
After 10 years	7,552	8,570
Total held-to-maturity securities	7,815	8,861
Held-to-maturity securities, fair value:
After 1 year through 5 years	148	169
After 5 years through 10 years	126	138
After 10 years	7,788	8,948
Total held-to-maturity securities	$ 8,062	$ 9,255

INVESTMENT SECURITIES AND OTH_5

INVESTMENT SECURITIES AND OTHER SECURITIES - Continuous Unrealized Loss Position (Details) - USD ($) $ in Millions	Mar. 31, 2021	Dec. 31, 2020
Available-for-sale securities:
Less than 12 months, fair value	$ 10,137	$ 2,432
Less than 12 months, gross unrealized losses	(235)	(22)
12 months or longer, fair value	463	490
12 months or longer, gross unrealized losses	(12)	(12)
Total, fair value	10,600	2,922
Total, gross unrealized losses	(247)	(34)
Held-to-maturity securities:
Less than 12 months, fair value	1,235
Less than 12 months, gross unrealized losses	(18)
12 months or longer, fair value	0
12 months or longer, gross unrealized losses	0
Total, fair value	1,235
Total, gross unrealized losses	18
Residential CMO
Available-for-sale securities:
Less than 12 months, fair value	413	302
Less than 12 months, gross unrealized losses	(9)	(5)
12 months or longer, fair value	0	0
12 months or longer, gross unrealized losses	0	0
Total, fair value	413	302
Total, gross unrealized losses	(9)	(5)
Residential MBS
Available-for-sale securities:
Less than 12 months, fair value	7,919	1,633
Less than 12 months, gross unrealized losses	(124)	(5)
12 months or longer, fair value	0	0
12 months or longer, gross unrealized losses	0	0
Total, fair value	7,919	1,633
Total, gross unrealized losses	(124)	(5)
Held-to-maturity securities:
Less than 12 months, fair value	1,235
Less than 12 months, gross unrealized losses	(18)
12 months or longer, fair value	0
12 months or longer, gross unrealized losses	0
Total, fair value	1,235
Total, gross unrealized losses	18
Commercial MBS
Available-for-sale securities:
Less than 12 months, fair value	761	321
Less than 12 months, gross unrealized losses	(63)	(9)
12 months or longer, fair value	0	0
12 months or longer, gross unrealized losses	0	0
Total, fair value	761	321
Total, gross unrealized losses	(63)	(9)
Total U.S. Treasury, federal agency and other agency securities
Available-for-sale securities:
Less than 12 months, fair value	9,093	2,256
Less than 12 months, gross unrealized losses	(196)	(19)
12 months or longer, fair value	0	0
12 months or longer, gross unrealized losses	0	0
Total, fair value	9,093	2,256
Total, gross unrealized losses	(196)	(19)
Municipal securities
Available-for-sale securities:
Less than 12 months, fair value	163	110
Less than 12 months, gross unrealized losses	(7)	(3)
12 months or longer, fair value	463	490
12 months or longer, gross unrealized losses	(12)	(12)
Total, fair value	626	600
Total, gross unrealized losses	(19)	(15)
Asset-backed securities
Available-for-sale securities:
Less than 12 months, fair value	65	15
Less than 12 months, gross unrealized losses	(1)	0
12 months or longer, fair value	0	0
12 months or longer, gross unrealized losses	0	0
Total, fair value	65	15
Total, gross unrealized losses	(1)	0
Corporate debt
Available-for-sale securities:
Less than 12 months, fair value	816	51
Less than 12 months, gross unrealized losses	(31)	0
12 months or longer, fair value	0	0
12 months or longer, gross unrealized losses	0	0
Total, fair value	816	51
Total, gross unrealized losses	$ (31)	$ 0

INVESTMENT SECURITIES AND OTH_6

INVESTMENT SECURITIES AND OTHER SECURITIES - Narrative (Details) - USD ($) $ in Billions	Mar. 31, 2021	Dec. 31, 2020
Investments, Debt and Equity Securities [Abstract]
Pledged Financial Instruments, Not Separately Reported, Securities for Other Debt Facilities	$ 13.9	$ 14.4

LOANS _ LEASES - Narrative (Det

LOANS / LEASES - Narrative (Details) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2021	Mar. 31, 2020	Dec. 31, 2020
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases receivable net premium	$ 473		$ 491
Residual Value of Leased Asset	77		93
Direct Financing Lease, Interest Income	24	$ 27
Financing Receivable, Modifications, Effect of Modification	1	$ 9
Loans and Leases Receivable, Collateral for Secured Borrowings	$ 44,100		$ 43,000

LOANS _ LEASES - Loan and Lease

LOANS / LEASES - Loan and Lease Portfolio Composition (Details) - USD ($) $ in Millions		Mar. 31, 2021	Dec. 31, 2020	Mar. 31, 2020	Dec. 31, 2019
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases	[1]	$ 80,230	$ 81,608
Allowance for loan and lease losses		(1,703)	(1,814)	$ (1,504)	$ (783)
Net loans and leases		78,527	79,794
Commercial and industrial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		34,464	35,373
Commercial real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		7,179	7,199
Automobile
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		12,591	12,778
Home equity
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		8,727	8,894
Residential Mortgage
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		12,092	12,141
RV and marine
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		4,218	4,190
Other Consumer
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		959	1,033
Consumer
Accounts, Notes, Loans and Financing Receivable [Line Items]
Allowance for loan and lease losses		(506)	(578)	(508)	(231)
Commercial and industrial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Allowance for loan and lease losses		$ (1,197)	$ (1,236)	$ (996)	$ (552)
[1]	Amounts represent loans for which Huntington has elected the fair value option. See Note 11 “ Fair Values of Assets and Liabilities ”.

LOANS _ LEASES - Direct Financi

LOANS / LEASES - Direct Financing Leases (Details) - USD ($) $ in Millions	Mar. 31, 2021	Dec. 31, 2020
Accounts, Notes, Loans and Financing Receivable [Line Items]
Sales-Type and Direct Financing Leases, Lease Receivable, to be Received, Year One	$ 600
Sales-type and Direct Financing Leases, Lease Receivable, Payments to be Received	1,700
Sales-Type and Direct Financing Leases, Lease Receivable, to be Received, Year Two	400
Sales-Type and Direct Financing Leases, Lease Receivable, to be Received, Year Three	300
Sales-Type and Direct Financing Leases, Lease Receivable, to be Received, Year Four	200
Sales-Type and Direct Financing Leases, Lease Receivable, to be Received, Year Five	100
Sales-Type and Direct Financing Leases, Lease Receivable, to be Received, after Year Five	100
Commercial and industrial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross investment in commercial and industrial lease financing receivables	2,336	$ 2,401
Direct Financing Leases, Initial Direct Costs	21	21
Direct Financing Lease, Deferred Selling Profit	190	200
Direct Financing Lease, Net Investment in Lease, Total	2,167	2,222
Direct Financing Lease, Lease Receivable	1,714	1,737
Direct Financing Lease, Unguaranteed Residual Asset	$ 622	$ 664

LOANS AND LEASES - Nonaccrual L

LOANS AND LEASES - Nonaccrual Loans by Loan Class (Details) - USD ($) $ in Millions	Mar. 31, 2021	Dec. 31, 2020
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonaccrual loans with no ACL	$ 103	$ 77
Total nonaccrual loans	516	532
Commercial and industrial | Commercial and industrial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonaccrual loans with no ACL	103	69
Total nonaccrual loans	343	353
Commercial and industrial | Commercial real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonaccrual loans with no ACL	0	8
Total nonaccrual loans	8	15
Consumer | Automobile
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonaccrual loans with no ACL	0	0
Total nonaccrual loans	3	4
Consumer | Home equity
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonaccrual loans with no ACL	0	0
Total nonaccrual loans	71	70
Consumer | Residential Mortgage
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonaccrual loans with no ACL	0	0
Total nonaccrual loans	90	88
Consumer | RV and marine
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonaccrual loans with no ACL	0	0
Total nonaccrual loans	$ 1	$ 2

LOANS AND LEASES - NALs Past Du

LOANS AND LEASES - NALs Past Due (Details) - USD ($) $ in Millions		Mar. 31, 2021	Dec. 31, 2020
Accounts, Notes, Loans and Financing Receivable [Line Items]
Past Due		$ 641	$ 819
Current		79,471	80,695
Consumer loans		118	94
Loans and leases	[1]	80,230	81,608
90 or more days past due and accruing		154	171
30-59 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Past Due		206	319
60-89  Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Past Due		75	121
90 or  more days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Past Due		360	379
Commercial and industrial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Past Due		153	193
Current		34,311	35,180
Consumer loans		0	0
Loans and leases		34,464	35,373
90 or more days past due and accruing		8	10
Commercial and industrial | 30-59 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Past Due		37	60
Commercial and industrial | 60-89  Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Past Due		20	38
Commercial and industrial | 90 or  more days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Past Due		96	95
Commercial Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		7,179	7,199
Commercial Real Estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Past Due		4	12
Current		7,175	7,187
Consumer loans		0	0
Loans and leases		7,179	7,199
90 or more days past due and accruing		0	0
Commercial Real Estate | 30-59 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Past Due		1	0
Commercial Real Estate | 60-89  Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Past Due		1	1
Commercial Real Estate | 90 or  more days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Past Due		2	11
Automobile
Accounts, Notes, Loans and Financing Receivable [Line Items]
Past Due		68	118
Current		12,523	12,660
Consumer loans		0	0
Loans and leases		12,591	12,778
90 or more days past due and accruing		5	9
Automobile | 30-59 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Past Due		50	84
Automobile | 60-89  Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Past Due		12	22
Automobile | 90 or  more days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Past Due		6	12
Home equity
Accounts, Notes, Loans and Financing Receivable [Line Items]
Past Due		92	111
Current		8,634	8,782
Consumer loans		1	1
Loans and leases		8,727	8,894
90 or more days past due and accruing		10	14
Home equity | 30-59 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Past Due		23	35
Home equity | 60-89  Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Past Due		11	15
Home equity | 90 or  more days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Past Due		58	61
Residential Mortgage
Accounts, Notes, Loans and Financing Receivable [Line Items]
Past Due		298	346
Current		11,677	11,702
Consumer loans		117	93
Loans and leases		12,092	12,141
90 or more days past due and accruing		128	132
Residential Mortgage | 30-59 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Past Due		78	114
Residential Mortgage | 60-89  Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Past Due		26	38
Residential Mortgage | 90 or  more days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Past Due		194	194
RV and marine
Accounts, Notes, Loans and Financing Receivable [Line Items]
Past Due		16	23
Current		4,202	4,167
Consumer loans		0	0
Loans and leases		4,218	4,190
90 or more days past due and accruing		1	3
RV and marine | 30-59 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Past Due		11	17
RV and marine | 60-89  Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Past Due		3	3
RV and marine | 90 or  more days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Past Due		2	3
Other Consumer
Accounts, Notes, Loans and Financing Receivable [Line Items]
Past Due		10	16
Current		949	1,017
Consumer loans		0	0
Loans and leases		959	1,033
90 or more days past due and accruing		2	3
Other Consumer | 30-59 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Past Due		6	9
Other Consumer | 60-89  Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Past Due		2	4
Other Consumer | 90 or  more days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Past Due		$ 2	$ 3
[1]	Amounts represent loans for which Huntington has elected the fair value option. See Note 11 “ Fair Values of Assets and Liabilities ”.

LOANS AND LEASES - Vintage Cred

LOANS AND LEASES - Vintage Credit Quality (Details) - USD ($) $ in Millions	Mar. 31, 2021	Dec. 31, 2020
Commercial and industrial
Financing Receivable, Credit Quality Indicator [Line Items]
2020	$ 4,217	$ 14,376
2019	10,793	4,785
2018	4,295	3,016
2017	2,637	1,601
2016	1,440	1,053
Prior	1,909	1,098
Revolver Total at Amortized Cost Basis	9,171	9,442
Revolver Total Converted to Term Loans	2	2
Total	34,464	35,373
Interest Receivable	140	146
Commercial and industrial | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
2020	4,040	13,757
2019	10,291	4,525
2018	4,087	2,758
2017	2,369	1,347
2016	1,215	974
Prior	1,605	916
Revolver Total at Amortized Cost Basis	8,656	8,894
Revolver Total Converted to Term Loans	2	2
Total	32,265	33,173
Commercial and industrial | OLEM
Financing Receivable, Credit Quality Indicator [Line Items]
2020	122	421
2019	282	116
2018	98	69
2017	91	30
2016	41	33
Prior	92	22
Revolver Total at Amortized Cost Basis	128	124
Revolver Total Converted to Term Loans	0	0
Total	854	815
Commercial and industrial | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
2020	54	196
2019	216	144
2018	110	188
2017	176	224
2016	184	46
Prior	212	159
Revolver Total at Amortized Cost Basis	386	423
Revolver Total Converted to Term Loans	0	0
Total	1,338	1,380
Commercial and industrial | Doubtful
Financing Receivable, Credit Quality Indicator [Line Items]
2020	1	2
2019	4	0
2018	0	1
2017	1	0
2016	0	0
Prior	0	1
Revolver Total at Amortized Cost Basis	1	1
Revolver Total Converted to Term Loans	0	0
Total	7	5
Commercial real estate
Financing Receivable, Credit Quality Indicator [Line Items]
2020	412	1,863
2019	1,716	1,734
2018	1,620	1,195
2017	1,146	573
2016	549	593
Prior	1,072	568
Revolver Total at Amortized Cost Basis	664	673
Revolver Total Converted to Term Loans	0	0
Total	7,179	7,199
Commercial real estate | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
2020	406	1,742
2019	1,605	1,610
2018	1,475	1,122
2017	1,077	507
2016	454	507
Prior	999	539
Revolver Total at Amortized Cost Basis	624	633
Revolver Total Converted to Term Loans	0	0
Total	6,640	6,660
Commercial real estate | OLEM
Financing Receivable, Credit Quality Indicator [Line Items]
2020	2	94
2019	88	78
2018	31	63
2017	62	37
2016	68	28
Prior	35	14
Revolver Total at Amortized Cost Basis	1	4
Revolver Total Converted to Term Loans	0	0
Total	287	318
Commercial real estate | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
2020	4	27
2019	23	46
2018	114	10
2017	7	29
2016	27	58
Prior	38	14
Revolver Total at Amortized Cost Basis	39	36
Revolver Total Converted to Term Loans	0	0
Total	252	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	119	123
Consumer | Automobile
Financing Receivable, Credit Quality Indicator [Line Items]
2020	1,294	4,947
2019	4,612	3,657
2018	3,249	2,143
2017	1,849	1,285
2016	1,055	576
Prior	532	170
Revolver Total at Amortized Cost Basis	0	0
Revolver Total Converted to Term Loans	0	0
Total	12,591	12,778
Consumer | Automobile | 750 plus
Financing Receivable, Credit Quality Indicator [Line Items]
2020	771	2,670
2019	2,381	2,013
2018	1,817	1,144
2017	991	742
2016	608	317
Prior	279	81
Revolver Total at Amortized Cost Basis	0	0
Revolver Total Converted to Term Loans	0	0
Total	6,847	6,967
Consumer | Automobile | 650-749
Financing Receivable, Credit Quality Indicator [Line Items]
2020	479	1,965
2019	1,895	1,343
2018	1,161	755
2017	642	386
2016	315	175
Prior	163	52
Revolver Total at Amortized Cost Basis	0	0
Revolver Total Converted to Term Loans	0	0
Total	4,655	4,676
Consumer | Automobile | Less than 650
Financing Receivable, Credit Quality Indicator [Line Items]
2020	44	312
2019	336	301
2018	271	244
2017	216	157
2016	132	84
Prior	90	37
Revolver Total at Amortized Cost Basis	0	0
Revolver Total Converted to Term Loans	0	0
Total	1,089	1,135
Consumer | Home equity
Financing Receivable, Credit Quality Indicator [Line Items]
2020	225	941
2019	918	36
2018	30	35
2017	29	44
2016	38	122
Prior	724	678
Revolver Total at Amortized Cost Basis	6,297	6,565
Revolver Total Converted to Term Loans	465	472
Total	8,726	8,893
Consumer | Home equity | 750 plus
Financing Receivable, Credit Quality Indicator [Line Items]
2020	187	793
2019	780	26
2018	21	26
2017	22	32
2016	28	89
Prior	479	451
Revolver Total at Amortized Cost Basis	4,201	4,373
Revolver Total Converted to Term Loans	189	192
Total	5,907	5,982
Consumer | Home equity | 650-749
Financing Receivable, Credit Quality Indicator [Line Items]
2020	37	147
2019	137	9
2018	8	8
2017	6	11
2016	8	27
Prior	171	157
Revolver Total at Amortized Cost Basis	1,810	1,906
Revolver Total Converted to Term Loans	176	181
Total	2,353	2,446
Consumer | Home equity | Less than 650
Financing Receivable, Credit Quality Indicator [Line Items]
2020	1	1
2019	1	1
2018	1	1
2017	1	1
2016	2	6
Prior	74	70
Revolver Total at Amortized Cost Basis	286	286
Revolver Total Converted to Term Loans	100	99
Total	466	465
Consumer | Residential mortgage
Financing Receivable, Credit Quality Indicator [Line Items]
2020	1,224	4,294
2019	4,077	1,894
2018	1,588	1,309
2017	1,095	1,450
2016	1,238	1,014
Prior	2,752	2,086
Revolver Total at Amortized Cost Basis	1	1
Revolver Total Converted to Term Loans	0	0
Total	11,975	12,048
Consumer | Residential mortgage | 750 plus
Financing Receivable, Credit Quality Indicator [Line Items]
2020	963	3,269
2019	3,204	1,370
2018	1,143	891
2017	727	1,064
2016	883	762
Prior	1,723	1,243
Revolver Total at Amortized Cost Basis	1	1
Revolver Total Converted to Term Loans	0	0
Total	8,644	8,600
Consumer | Residential mortgage | 650-749
Financing Receivable, Credit Quality Indicator [Line Items]
2020	254	991
2019	836	435
2018	355	307
2017	255	278
2016	249	171
Prior	621	495
Revolver Total at Amortized Cost Basis	0	0
Revolver Total Converted to Term Loans	0	0
Total	2,570	2,677
Consumer | Residential mortgage | Less than 650
Financing Receivable, Credit Quality Indicator [Line Items]
2020	7	34
2019	37	89
2018	90	111
2017	113	108
2016	106	81
Prior	408	348
Revolver Total at Amortized Cost Basis	0	0
Revolver Total Converted to Term Loans	0	0
Total	761	771
Consumer | RV and marine
Financing Receivable, Credit Quality Indicator [Line Items]
2020	313	1,488
2019	1,409	755
2018	699	811
2017	750	495
2016	459	229
Prior	588	412
Revolver Total at Amortized Cost Basis	0	0
Revolver Total Converted to Term Loans	0	0
Total	4,218	4,190
Consumer | RV and marine | 750 plus
Financing Receivable, Credit Quality Indicator [Line Items]
2020	267	1,136
2019	1,050	525
2018	491	589
2017	547	337
2016	311	153
Prior	375	254
Revolver Total at Amortized Cost Basis	0	0
Revolver Total Converted to Term Loans	0	0
Total	3,041	2,994
Consumer | RV and marine | 650-749
Financing Receivable, Credit Quality Indicator [Line Items]
2020	46	348
2019	351	215
2018	193	201
2017	182	136
2016	126	64
Prior	176	129
Revolver Total at Amortized Cost Basis	0	0
Revolver Total Converted to Term Loans	0	0
Total	1,074	1,093
Consumer | RV and marine | Less than 650
Financing Receivable, Credit Quality Indicator [Line Items]
2020	0	4
2019	8	15
2018	15	21
2017	21	22
2016	22	12
Prior	37	29
Revolver Total at Amortized Cost Basis	0	0
Revolver Total Converted to Term Loans	0	0
Total	103	103
Consumer | Other consumer
Financing Receivable, Credit Quality Indicator [Line Items]
2020	31	107
2019	91	122
2018	105	46
2017	39	14
2016	11	6
Prior	21	18
Revolver Total at Amortized Cost Basis	608	660
Revolver Total Converted to Term Loans	53	60
Total	959	1,033
Consumer | Other consumer | 750 plus
Financing Receivable, Credit Quality Indicator [Line Items]
2020	22	69
2019	59	58
2018	52	26
2017	21	8
2016	6	4
Prior	16	14
Revolver Total at Amortized Cost Basis	319	340
Revolver Total Converted to Term Loans	2	2
Total	497	521
Consumer | Other consumer | 650-749
Financing Receivable, Credit Quality Indicator [Line Items]
2020	9	36
2019	30	56
2018	46	17
2017	15	5
2016	4	2
Prior	4	3
Revolver Total at Amortized Cost Basis	264	294
Revolver Total Converted to Term Loans	28	30
Total	400	443
Consumer | Other consumer | Less than 650
Financing Receivable, Credit Quality Indicator [Line Items]
2020	0	2
2019	2	8
2018	7	3
2017	3	1
2016	1	0
Prior	1	1
Revolver Total at Amortized Cost Basis	25	26
Revolver Total Converted to Term Loans	23	28
Total	$ 62	$ 69

LOANS AND LEASES - Credit Quali

LOANS AND LEASES - Credit Quality Indicators (Details) - USD ($) $ in Millions		Mar. 31, 2021	Dec. 31, 2020
Accounts, Notes, Loans and Financing Receivable [Line Items]
Commercial and industrial	[1]	$ 80,230	$ 81,608
Automobile
Accounts, Notes, Loans and Financing Receivable [Line Items]
Commercial and industrial		12,591	12,778
Home equity
Accounts, Notes, Loans and Financing Receivable [Line Items]
Commercial and industrial		8,727	8,894
RV and marine
Accounts, Notes, Loans and Financing Receivable [Line Items]
Commercial and industrial		$ 4,218	$ 4,190
[1]	Amounts represent loans for which Huntington has elected the fair value option. See Note 11 “ Fair Values of Assets and Liabilities ”.

LOANS AND LEASES - TDRs (Detail

LOANS AND LEASES - TDRs (Details) $ in Millions	3 Months Ended
	Mar. 31, 2021USD ($)contract	Mar. 31, 2020USD ($)contract
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of Contracts | contract	1,208	1,386
Post-modification outstanding recorded investment	$ 32	$ 88
Interest rate reduction
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-modification outstanding recorded investment	0	1
Amortization or maturity date change
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-modification outstanding recorded investment	27	81
Chapter 7 bankruptcy
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-modification outstanding recorded investment	4	6
Other
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-modification outstanding recorded investment	$ 1	$ 0
Commercial and industrial | Commercial and industrial
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of Contracts | contract	12	140
Post-modification outstanding recorded investment	$ 5	$ 62
Commercial and industrial | Commercial and industrial | Interest rate reduction
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-modification outstanding recorded investment	0	0
Commercial and industrial | Commercial and industrial | Amortization or maturity date change
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-modification outstanding recorded investment	5	62
Commercial and industrial | Commercial and industrial | Chapter 7 bankruptcy
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-modification outstanding recorded investment	0	0
Commercial and industrial | Commercial and industrial | Other
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-modification outstanding recorded investment	$ 0	$ 0
Commercial and industrial | Commercial Real Estate
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of Contracts | contract		7
Post-modification outstanding recorded investment		$ 2
Commercial and industrial | Commercial Real Estate | Interest rate reduction
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-modification outstanding recorded investment		0
Commercial and industrial | Commercial Real Estate | Amortization or maturity date change
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-modification outstanding recorded investment		2
Commercial and industrial | Commercial Real Estate | Chapter 7 bankruptcy
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-modification outstanding recorded investment		0
Commercial and industrial | Commercial Real Estate | Other
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-modification outstanding recorded investment		$ 0
Consumer | Automobile
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of Contracts | contract	902	798
Post-modification outstanding recorded investment	$ 8	$ 8
Consumer | Automobile | Interest rate reduction
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-modification outstanding recorded investment	0	0
Consumer | Automobile | Amortization or maturity date change
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-modification outstanding recorded investment	7	6
Consumer | Automobile | Chapter 7 bankruptcy
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-modification outstanding recorded investment	1	2
Consumer | Automobile | Other
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-modification outstanding recorded investment	$ 0	$ 0
Consumer | Home equity
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of Contracts | contract	62	63
Post-modification outstanding recorded investment	$ 3	$ 3
Consumer | Home equity | Interest rate reduction
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-modification outstanding recorded investment	0	0
Consumer | Home equity | Amortization or maturity date change
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-modification outstanding recorded investment	1	1
Consumer | Home equity | Chapter 7 bankruptcy
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-modification outstanding recorded investment	2	2
Consumer | Home equity | Other
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-modification outstanding recorded investment	$ 0	$ 0
Consumer | Residential Mortgage
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of Contracts | contract	86	101
Post-modification outstanding recorded investment	$ 14	$ 11
Consumer | Residential Mortgage | Interest rate reduction
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-modification outstanding recorded investment	0	0
Consumer | Residential Mortgage | Amortization or maturity date change
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-modification outstanding recorded investment	13	9
Consumer | Residential Mortgage | Chapter 7 bankruptcy
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-modification outstanding recorded investment	1	2
Consumer | Residential Mortgage | Other
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-modification outstanding recorded investment	$ 0	$ 0
Consumer | RV and marine
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of Contracts | contract	49	28
Post-modification outstanding recorded investment	$ 1	$ 1
Consumer | RV and marine | Interest rate reduction
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-modification outstanding recorded investment	0	0
Consumer | RV and marine | Amortization or maturity date change
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-modification outstanding recorded investment	1	1
Consumer | RV and marine | Chapter 7 bankruptcy
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-modification outstanding recorded investment	0	0
Consumer | RV and marine | Other
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-modification outstanding recorded investment	$ 0	$ 0
Consumer | Other Consumer
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of Contracts | contract	97	249
Post-modification outstanding recorded investment	$ 1	$ 1
Consumer | Other Consumer | Interest rate reduction
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-modification outstanding recorded investment	0	1
Consumer | Other Consumer | Amortization or maturity date change
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-modification outstanding recorded investment	0	0
Consumer | Other Consumer | Chapter 7 bankruptcy
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-modification outstanding recorded investment	0	0
Consumer | Other Consumer | Other
Financing Receivable, Troubled Debt Restructuring [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	3 Months Ended
	Mar. 31, 2021	Mar. 31, 2020	Dec. 31, 2020	Dec. 31, 2019
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Total ALLL balance	$ 1,703	$ 1,504	$ 1,814	$ 783
Financing Receivable, Allowance for Credit Loss, Writeoff	(95)	(136)
Allowance for Loan and Lease Loss, Recovery of Bad Debts	31	19
Provision For (Reduction In Allowance) Loan and Lease Losses.	(47)	447
Provision (reduction in allowance) for unfunded loan commitments and letters of credit	(13)	(6)
Additions to Unfunded Loan Commitments and Letters of Credit Allowance	(1)	(1)
AULC Balance	38	99	52	104
Acl Balance End Of Period	1,741	1,603	1,900
Allowance for credit loss, change since adoption	(125)
ASU 2016-13
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Total ALLL balance				391
Consumer
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Total ALLL balance	506	508	578	231
Financing Receivable, Allowance for Credit Loss, Writeoff	(34)	(48)
Allowance for Loan and Lease Loss, Recovery of Bad Debts	19	14
Provision For (Reduction In Allowance) Loan and Lease Losses.	(57)	100
Provision (reduction in allowance) for unfunded loan commitments and letters of credit	(7)	(1)
Additions to Unfunded Loan Commitments and Letters of Credit Allowance	0	0
AULC Balance	11	41	18	2
Acl Balance End Of Period	517	549
Consumer | ASU 2016-13
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Total ALLL balance				211
Commercial and industrial
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Total ALLL balance	1,197	996	1,236	552
Financing Receivable, Allowance for Credit Loss, Writeoff	(61)	(88)
Allowance for Loan and Lease Loss, Recovery of Bad Debts	12	5
Provision For (Reduction In Allowance) Loan and Lease Losses.	10	347
Provision (reduction in allowance) for unfunded loan commitments and letters of credit	(6)	(5)
Additions to Unfunded Loan Commitments and Letters of Credit Allowance	(1)	(1)
AULC Balance	27	58	34	102
Acl Balance End Of Period	$ 1,224	$ 1,054
Commercial and industrial | ASU 2016-13
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Total ALLL balance				$ 180
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 | Consumer | ASU 2016-13
Financing Receivable, Allowance for Credit Loss [Roll Forward]
AULC Balance			40
Cumulative Effect, Period of Adoption, Adjustment | Commercial and industrial | ASU 2016-13
Financing Receivable, Allowance for Credit Loss [Roll Forward]
AULC Balance			$ (38)

ALLOWANCE FOR CREDIT LOSSES - N

ALLOWANCE FOR CREDIT LOSSES - Narritive (Details) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2021	Dec. 31, 2020	Mar. 31, 2020
Credit Loss [Abstract]
Acl Balance End Of Period	$ 1,741	$ 1,900	$ 1,603
Allowance for credit loss, change since adoption	(125)
Increase (decrease) in Net Charge-offs	$ (48)
Increase (decrease) in Net Charge-offs, percent	(43.00%)

MORTGAGE LOAN SALES AND SERVI_3

MORTGAGE LOAN SALES AND SERVICING RIGHTS - Narrative (Details) - Residential Mortgage - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2021	Mar. 31, 2020	Dec. 31, 2020
Servicing Assets at Fair Value [Line Items]
Servicing income	$ 18	$ 17
Unpaid principal balance of third party serviced loans	$ 23,600		$ 23,500

MORTGAGE LOAN SALES AND SERVI_4

MORTGAGE LOAN SALES AND SERVICING RIGHTS - Residential Mortgage Portfolio (Details) - Commercial Loan [Member] - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2021	Mar. 31, 2020
Servicing Asset at Amortized Cost [Line Items]
Loans sold with servicing retained	$ 2,256	$ 1,428
Pretax gains resulting from above loan sales	$ 93	$ 39

MORTGAGE LOAN SALES AND SERVI_5

MORTGAGE LOAN SALES AND SERVICING RIGHTS - Residential Mortgage Portfolio, MSRs Fair Value Method (Details) - Residential Mortgage - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2021	Mar. 31, 2020	Mar. 31, 2021	Mar. 31, 2020
Servicing Asset at Fair Value, Amount [Roll Forward]
Fair value, beginning of period	$ 210	$ 7
Servicing Asset at Fair Value, Additions	33	14
Time decay	(3)	(2)
Servicing Asset At Fair Value Payoffs	(17)	(6)
Changes in valuation inputs or assumptions (less than)	51	(53)
Fair value, end of period:	$ 210	7	$ 274	$ 165
Revision of Prior Period, Adjustment
Servicing Asset at Fair Value, Amount [Roll Forward]
Fair value, beginning of period		205
Fair value, end of period:		$ 205
Fair value method
Servicing Asset at Fair Value, Amount [Roll Forward]
Weighted-average life (years)	7 years	6 years 4 months 24 days

MORTGAGE LOAN SALES AND SERVI_6

MORTGAGE LOAN SALES AND SERVICING RIGHTS - Residential Mortgage Portfolio, MSRs Fair Value Method Key Assumptions (Details) - Fair value method - Residential Mortgage - USD ($) $ in Millions	3 Months Ended	12 Months Ended
	Mar. 31, 2021	Dec. 31, 2020
Servicing Assets at Fair Value [Line Items]
Constant prepayment rate (annualized), actual	12.30%	17.36%
Constant prepayment rate (annualized), 10% adverse change	$ (15)	$ (12)
Constant prepayment rate (annualized), 20% adverse change	$ (28)	$ (23)
Spread over forward interest rate swap rates, actual	5.09%	5.19%
Spread over forward interest rate swap rates, 10% adverse change	$ (6)	$ (4)
Spread over forward interest rate swap rates, 20% adverse change	$ (12)	$ (8)

OTHER COMPREHENSIVE INCOME - Ac

OTHER COMPREHENSIVE INCOME - Activity (Details) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2021	Mar. 31, 2020
Pretax
Other comprehensive income (loss), pretax	$ (319)	$ 620
Tax (Expense) Benefit
Total other comprehensive income (loss), tax (expense) benefit	71	(137)
After-tax
Other comprehensive income, net of tax	(248)	483
Other comprehensive income before reclassifications	(257)	477
Period change	(248)	483
Change in fair value related to cash flow hedges
Pretax
Other comprehensive income (loss), pretax	(44)	396
Tax (Expense) Benefit
Total other comprehensive income (loss), tax (expense) benefit	10	(88)
After-tax
Other comprehensive income, net of tax	(34)	308
Unrealized gains (losses) for pension and other post-retirement obligations
Pretax
Other comprehensive income (loss), pretax	3	2
Tax (Expense) Benefit
Total other comprehensive income (loss), tax (expense) benefit	(1)	0
After-tax
Other comprehensive income, net of tax	2	2
Other comprehensive income before reclassifications	0	0
Period change	2	2
Debt Securities | Unrealized gains and (losses) on debt securities
Pretax
Other comprehensive income (loss), before reclassifications, before tax	(287)	217
Reclassification adjustment, before tax	9	5
Other comprehensive income (loss), pretax	(278)	222
Tax (Expense) Benefit
Other comprehensive income (loss) before reclassifications, tax	64	(48)
Reclassification adjustment, tax	(2)	(1)
Total other comprehensive income (loss), tax (expense) benefit	62	(49)
After-tax
Other comprehensive income (loss), before reclassifications, net of tax	(223)	169
Reclassification adjustment, net of tax	7	4
Other comprehensive income, net of tax	(216)	173
Other comprehensive income before reclassifications	(223)	169
Period change	$ (216)	$ 173

OTHER COMPREHENSIVE INCOME OTHE

OTHER COMPREHENSIVE INCOME OTHER COMPREHENSIVE INCOME - AOCI Roll Forward (Details) - USD ($) $ in Millions	Mar. 31, 2021	Dec. 31, 2020	Mar. 31, 2020	Mar. 31, 2021	Mar. 31, 2020
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Balance, beginning of period				$ 12,993	$ 11,795
Other comprehensive income before reclassifications				(257)	477
Amounts reclassified from accumulated OCI to earnings				9	6
Period change				(248)	483
Balance, end of period	$ 13,600	$ 12,993	$ 11,769	13,600	11,769
Accumulated Other Comprehensive Gain (Loss)
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Balance, beginning of period				192	(256)
Balance, end of period	(56)	192	227	(56)	227
Unrealized gains and (losses) on debt securities | Debt Securities
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Balance, beginning of period				188	(28)
Other comprehensive income before reclassifications				(223)	169
Amounts reclassified from accumulated OCI to earnings				7	4
Period change				(216)	173
Balance, end of period	(28)	188	145	(28)	145
Change in fair value related to cash flow hedges | Equity securities
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Balance, beginning of period				257	23
Other comprehensive income before reclassifications				(34)	308
Amounts reclassified from accumulated OCI to earnings				0	0
Period change				(34)	308
Balance, end of period	223	257	331	223	331
Unrealized gains (losses) for pension and other post-retirement obligations
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Balance, beginning of period				(253)	(251)
Other comprehensive income before reclassifications				0	0
Amounts reclassified from accumulated OCI to earnings				2	2
Period change				2	2
Balance, end of period	(251)	(253)	(249)	$ (251)	$ (249)
Reclassification out of Accumulated Other Comprehensive Income
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Net unrealized loss on securities transfer	$ (60)	$ (69)	$ (87)

SHAREHOLDERS' EQUITY (Details)

SHAREHOLDERS' EQUITY (Details) $ / shares in Units, $ in Thousands	3 Months Ended
	Mar. 31, 2021USD ($)$ / sharesRateshares	Mar. 31, 2020USD ($)$ / shares	Dec. 31, 2020shares
Class of Stock [Line Items]
Preferred Stock, Liquidation Preference Per Share | $ / shares	$ 1,000
Preferred Stock, Shares Outstanding | shares	1,250,500		750,500
Preferred Stock, Value, Outstanding	$ 2,676,000
Dividends, Preferred Stock, Cash	(31,000)	$ (18,000)
Retained Earnings [Member]
Class of Stock [Line Items]
Dividends, Preferred Stock, Cash	$ (31,000)	$ (18,000)
Series B Preferred Stock
Class of Stock [Line Items]
Depository Share, Percent Interest in Preferred Stock	0.025
Preferred Stock, Shares Outstanding | shares	35,500
Preferred Stock, Value, Outstanding	$ 23,000
Preferred Stock, Redemption Date	Jan. 15, 2017
Preferred Stock, Dividends Per Share, Declared | $ / shares	$ 7.35	$ 11.33
Series B Preferred Stock | Retained Earnings [Member]
Class of Stock [Line Items]
Dividends, Preferred Stock, Cash	$ 0	$ (1,000)
Series C Preferred Stock
Class of Stock [Line Items]
Preferred Stock, Shares Outstanding | shares	100,000
Preferred Stock, Value, Outstanding	$ 100,000
Preferred Stock, Redemption Date	Oct. 15, 2021
Preferred Stock, Dividend Rate, Percentage | Rate	5.875%
Preferred Stock, Dividends Per Share, Declared | $ / shares	$ 14.69	$ 14.69
Series C Preferred Stock | Retained Earnings [Member]
Class of Stock [Line Items]
Dividends, Preferred Stock, Cash	$ (2,000)	$ (1,000)
Series E Preferred Stock
Class of Stock [Line Items]
Preferred Stock, Shares Outstanding | shares	5,000
Preferred Stock, Value, Outstanding	$ 495,000
Preferred Stock, Redemption Date	Apr. 15, 2023
Preferred Stock, Dividend Rate, Percentage | Rate	5.70%
Preferred Stock, Dividends Per Share, Declared | $ / shares	$ 1,425	$ 1,425
Series E Preferred Stock | Retained Earnings [Member]
Class of Stock [Line Items]
Dividends, Preferred Stock, Cash	$ (7,000)	$ (7,000)
Series D Preferred Stock
Class of Stock [Line Items]
Preferred Stock, Shares Outstanding | shares	400,000
Preferred Stock, Value, Outstanding	$ 386,000
Preferred Stock, Redemption Date	Apr. 15, 2021
Preferred Stock, Dividend Rate, Percentage | Rate	6.25%
Preferred Stock, Dividends Per Share, Declared | $ / shares	$ 15.63	$ 15.63
Series D Preferred Stock | Retained Earnings [Member]
Class of Stock [Line Items]
Dividends, Preferred Stock, Cash	$ (9,000)	$ (9,000)
Series D Preferred Stock2 [Member]
Class of Stock [Line Items]
Preferred Stock, Shares Outstanding | shares	200,000
Preferred Stock, Value, Outstanding	$ 199,000
Preferred Stock, Redemption Date	Apr. 15, 2021
Preferred Stock, Dividend Rate, Percentage | Rate	6.25%
Series F Preferred Stock
Class of Stock [Line Items]
Preferred Stock, Shares Outstanding | shares	5,000
Preferred Stock, Value, Outstanding	$ 494,000
Preferred Stock, Redemption Date	Jul. 15, 2030
Preferred Stock, Dividend Rate, Percentage | Rate	5.625%
Preferred Stock, Liquidation Preference, Value	$ 100
Preferred Stock, Dividends Per Share, Declared | $ / shares	$ 1,406.25	$ 0
Series F Preferred Stock | Retained Earnings [Member]
Class of Stock [Line Items]
Dividends, Preferred Stock, Cash	$ (7,000)	$ 0
Series G Preferred Stock
Class of Stock [Line Items]
Preferred Stock, Shares Outstanding | shares	5,000
Preferred Stock, Value, Outstanding	$ 494,000
Preferred Stock, Redemption Date	Oct. 15, 2027
Preferred Stock, Dividend Rate, Percentage | Rate	4.45%
Preferred Stock, Dividends Per Share, Declared | $ / shares	$ 1,112.50	$ 0
Series G Preferred Stock | Retained Earnings [Member]
Class of Stock [Line Items]
Dividends, Preferred Stock, Cash	$ (6,000)	$ 0
Series H Preferred Stock
Class of Stock [Line Items]
Preferred Stock, Shares Outstanding | shares	500,000
Preferred Stock, Value, Outstanding	$ 485,000
Preferred Stock, Redemption Date	Apr. 15, 2026
Preferred Stock, Dividend Rate, Percentage | Rate	4.50%
London Interbank Offered Rate (LIBOR) | Series B Preferred Stock
Class of Stock [Line Items]
Preferred Stock, Basis Spread On Variable Rate	2.70%

EARNINGS PER SHARE (Details)

EARNINGS PER SHARE (Details) - USD ($) $ / shares in Units, shares in Thousands, $ in Millions	3 Months Ended
	Mar. 31, 2021	Mar. 31, 2020
Basic earnings per common share:
Net income	$ 532	$ 48
Preferred stock dividends	(31)	(18)
Net income available to common shareholders	$ 501	$ 30
Average common shares issued and outstanding (in shares)	1,017,512	1,017,643
Basic earnings per common share (in usd per share)	$ 0.49	$ 0.03
Dilutive potential common shares:
Stock options and restricted stock units and awards	18,397	12,363
Shares held in deferred compensation plans	5,094	4,570
Dilutive potential common shares	23,491	16,933
Total diluted average common shares issued and outstanding (in shares)	1,041,003	1,034,576
Diluted earnings per common share (in usd per share)	$ 0.48	$ 0.03
Employee Stock Option
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Options outstanding to purchase common stock shares having antidilutive effect	1,666	8,045

NONINTEREST INCOME - Summary of

NONINTEREST INCOME - Summary of Noninterest Income (Details) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2021	Mar. 31, 2020
Revenue from Contract with Customer [Abstract]
Noninterest income from contracts with customers	$ 222	$ 227
Noninterest income within the scope of other GAAP topics	173	134
Total noninterest income	$ 395	$ 361

NONINTEREST INCOME - Disaggrega

NONINTEREST INCOME - Disaggregation by Segment (Details) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2021	Mar. 31, 2020
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	$ 222	$ 227
Noninterest income within the scope of other GAAP topics	173	134
Noninterest income	395	361
Mortgage banking income
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	69	87
Service charges on deposit accounts
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	62	56
Card and payment processing income
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	52	47
Insurance income
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	27	23
Other noninterest income
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	12	14
Operating Segments | Consumer & Business Banking
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	137	146
Noninterest income within the scope of other GAAP topics	99	66
Noninterest income	236	212
Operating Segments | Consumer & Business Banking | Mortgage banking income
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	48	68
Operating Segments | Consumer & Business Banking | Service charges on deposit accounts
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	58	52
Operating Segments | Consumer & Business Banking | Card and payment processing income
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	13	10
Operating Segments | Consumer & Business Banking | Insurance income
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	12	8
Operating Segments | Consumer & Business Banking | Other noninterest income
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	6	8
Operating Segments | Commercial Banking
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	28	27
Noninterest income within the scope of other GAAP topics	60	59
Noninterest income	88	86
Operating Segments | Commercial Banking | Mortgage banking income
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	19	17
Operating Segments | Commercial Banking | Service charges on deposit accounts
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	4	4
Operating Segments | Commercial Banking | Card and payment processing income
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	1	1
Operating Segments | Commercial Banking | Insurance income
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	2	2
Operating Segments | Commercial Banking | Other noninterest income
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	2	3
Operating Segments | Vehicle Finance
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	3	2
Noninterest income within the scope of other GAAP topics	0	1
Noninterest income	3	3
Operating Segments | Vehicle Finance | Mortgage banking income
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	2	1
Operating Segments | Vehicle Finance | Service charges on deposit accounts
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	0	0
Operating Segments | Vehicle Finance | Card and payment processing income
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	0	0
Operating Segments | Vehicle Finance | Insurance income
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	0	0
Operating Segments | Vehicle Finance | Other noninterest income
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	1	1
Operating Segments | RBPCG
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	52	50
Noninterest income within the scope of other GAAP topics	1	0
Noninterest income	53	50
Operating Segments | RBPCG | Mortgage banking income
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	0	1
Operating Segments | RBPCG | Service charges on deposit accounts
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	0	0
Operating Segments | RBPCG | Card and payment processing income
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	38	36
Operating Segments | RBPCG | Insurance income
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	13	12
Operating Segments | RBPCG | Other noninterest income
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	1	1
Treasury / Other
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	2	2
Noninterest income within the scope of other GAAP topics	13	8
Noninterest income	15	10
Treasury / Other | Mortgage banking income
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	0	0
Treasury / Other | Service charges on deposit accounts
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	0	0
Treasury / Other | Card and payment processing income
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	0	0
Treasury / Other | Insurance income
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	0	1
Treasury / Other | Other noninterest income
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	$ 2	$ 1

FAIR VALUES OF ASSETS AND LIA_3

FAIR VALUES OF ASSETS AND LIABILITIES - Narrative (Details) - USD ($) $ in Millions	Mar. 31, 2021	Dec. 31, 2020
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans Held-for-sale, Fair Value Disclosure	$ 1,531	$ 1,198
Loans and leases, fair value	$ 118	$ 94

FAIR VALUES OF ASSETS AND LIA_4

FAIR VALUES OF ASSETS AND LIABILITIES - Recurring Basis (Details) - USD ($) $ in Millions	Mar. 31, 2021	Dec. 31, 2020
Assets measured at fair value on a recurring basis
Loans Held-for-sale, Fair Value Disclosure	$ 1,531	$ 1,198
Consumer loans	118	94
Gross amounts of recognized assets	1,829	1,946
Derivative assets netting	(816)	(889)
Net amounts of assets presented in the condensed consolidated balance sheets	1,013	1,057
Liabilities measured at fair value on a recurring basis
Gross amounts of recognized liabilities	874	1,033
Gross amounts offset in the condensed consolidated balance sheets	(703)	(917)
Derivatives	171	116
Short-term Debt	219	183
Fair Value, Measurements, Recurring
Assets measured at fair value on a recurring basis
Trading account securities	51
Available-for-sale securities	19,375	16,485
Other securities	59	59
Loans Held-for-sale, Fair Value Disclosure	1,531	1,198
MSRs	274	210
Derivative assets netting	(816)	(889)
Net amounts of assets presented in the condensed consolidated balance sheets	1,013	1,057
Liabilities measured at fair value on a recurring basis
Gross amounts offset in the condensed consolidated balance sheets	(703)	(917)
Derivatives	171	116
Fair Value, Measurements, Recurring | Municipal securities
Assets measured at fair value on a recurring basis
Trading account securities	48	62
Available-for-sale securities	3,122	3,004
Fair Value, Measurements, Recurring | Private-label CMO
Assets measured at fair value on a recurring basis
Available-for-sale securities	50	9
Fair Value, Measurements, Recurring | Other securities
Assets measured at fair value on a recurring basis
Available-for-sale securities	4	4
Fair Value, Measurements, Recurring | U.S. Treasury
Assets measured at fair value on a recurring basis
Available-for-sale securities	5	5
Fair Value, Measurements, Recurring | Federal agencies: Mortgage-backed securities
Assets measured at fair value on a recurring basis
Available-for-sale securities	3,172	3,666
Fair Value, Measurements, Recurring | Residential MBS
Assets measured at fair value on a recurring basis
Available-for-sale securities	10,645	7,935
Fair Value, Measurements, Recurring | Commercial MBS
Assets measured at fair value on a recurring basis
Available-for-sale securities	1,227	1,163
Fair Value, Measurements, Recurring | Other agencies
Assets measured at fair value on a recurring basis
Available-for-sale securities	46	62
Fair Value, Measurements, Recurring | Asset-backed securities
Assets measured at fair value on a recurring basis
Available-for-sale securities	247	192
Fair Value, Measurements, Recurring | Corporate debt
Assets measured at fair value on a recurring basis
Trading account securities	3
Available-for-sale securities	857	445
Fair Value, Measurements, Recurring | Level 1
Assets measured at fair value on a recurring basis
Trading account securities	0
Available-for-sale securities	5	5
Other securities	42	59
Loans Held-for-sale, Fair Value Disclosure	0	0
Consumer loans	0	0
MSRs	0	0
Gross amounts of recognized assets	0	0
Liabilities measured at fair value on a recurring basis
Gross amounts of recognized liabilities	0	0
Fair Value, Measurements, Recurring | Level 1 | Municipal securities
Assets measured at fair value on a recurring basis
Trading account securities	0	0
Available-for-sale securities	0	0
Fair Value, Measurements, Recurring | Level 1 | Private-label CMO
Assets measured at fair value on a recurring basis
Available-for-sale securities	0	0
Fair Value, Measurements, Recurring | Level 1 | Other securities
Assets measured at fair value on a recurring basis
Available-for-sale securities	0	0
Fair Value, Measurements, Recurring | Level 1 | U.S. Treasury
Assets measured at fair value on a recurring basis
Available-for-sale securities	5	5
Fair Value, Measurements, Recurring | Level 1 | Federal agencies: Mortgage-backed securities
Assets measured at fair value on a recurring basis
Available-for-sale securities	0	0
Fair Value, Measurements, Recurring | Level 1 | Residential MBS
Assets measured at fair value on a recurring basis
Available-for-sale securities	0	0
Fair Value, Measurements, Recurring | Level 1 | Commercial MBS
Assets measured at fair value on a recurring basis
Available-for-sale securities	0	0
Fair Value, Measurements, Recurring | Level 1 | Other agencies
Assets measured at fair value on a recurring basis
Available-for-sale securities	0	0
Fair Value, Measurements, Recurring | Level 1 | Asset-backed securities
Assets measured at fair value on a recurring basis
Available-for-sale securities	0	0
Fair Value, Measurements, Recurring | Level 1 | Corporate debt
Assets measured at fair value on a recurring basis
Trading account securities	0
Available-for-sale securities	0	0
Fair Value, Measurements, Recurring | Level 2
Assets measured at fair value on a recurring basis
Trading account securities	51
Available-for-sale securities	16,242	13,510
Other securities	17	0
Loans Held-for-sale, Fair Value Disclosure	1,531	1,198
Consumer loans	96	71
MSRs	0	0
Gross amounts of recognized assets	1,808	1,903
Liabilities measured at fair value on a recurring basis
Gross amounts of recognized liabilities	863	1,031
Fair Value, Measurements, Recurring | Level 2 | Municipal securities
Assets measured at fair value on a recurring basis
Trading account securities	48	62
Available-for-sale securities	52	53
Fair Value, Measurements, Recurring | Level 2 | Private-label CMO
Assets measured at fair value on a recurring basis
Available-for-sale securities	39	0
Fair Value, Measurements, Recurring | Level 2 | Other securities
Assets measured at fair value on a recurring basis
Available-for-sale securities	4	4
Fair Value, Measurements, Recurring | Level 2 | U.S. Treasury
Assets measured at fair value on a recurring basis
Available-for-sale securities	0	0
Fair Value, Measurements, Recurring | Level 2 | Federal agencies: Mortgage-backed securities
Assets measured at fair value on a recurring basis
Available-for-sale securities	3,172	3,666
Fair Value, Measurements, Recurring | Level 2 | Residential MBS
Assets measured at fair value on a recurring basis
Available-for-sale securities	10,645	7,935
Fair Value, Measurements, Recurring | Level 2 | Commercial MBS
Assets measured at fair value on a recurring basis
Available-for-sale securities	1,227	1,163
Fair Value, Measurements, Recurring | Level 2 | Other agencies
Assets measured at fair value on a recurring basis
Available-for-sale securities	46	62
Fair Value, Measurements, Recurring | Level 2 | Asset-backed securities
Assets measured at fair value on a recurring basis
Available-for-sale securities	200	182
Fair Value, Measurements, Recurring | Level 2 | Corporate debt
Assets measured at fair value on a recurring basis
Trading account securities	3
Available-for-sale securities	857	445
Fair Value, Measurements, Recurring | Level 3
Assets measured at fair value on a recurring basis
Trading account securities	0
Available-for-sale securities	3,128	2,970
Other securities	0
Loans Held-for-sale, Fair Value Disclosure	0	0
Consumer loans	22	23
MSRs	274	210
Gross amounts of recognized assets	21	43
Liabilities measured at fair value on a recurring basis
Gross amounts of recognized liabilities	11	2
Fair Value, Measurements, Recurring | Level 3 | Municipal securities
Assets measured at fair value on a recurring basis
Trading account securities	0	0
Available-for-sale securities	3,070	2,951
Fair Value, Measurements, Recurring | Level 3 | Private-label CMO
Assets measured at fair value on a recurring basis
Available-for-sale securities	11	9
Fair Value, Measurements, Recurring | Level 3 | Other securities
Assets measured at fair value on a recurring basis
Available-for-sale securities	0	0
Fair Value, Measurements, Recurring | Level 3 | U.S. Treasury
Assets measured at fair value on a recurring basis
Available-for-sale securities	0	0
Fair Value, Measurements, Recurring | Level 3 | Federal agencies: Mortgage-backed securities
Assets measured at fair value on a recurring basis
Available-for-sale securities	0	0
Fair Value, Measurements, Recurring | Level 3 | Residential MBS
Assets measured at fair value on a recurring basis
Available-for-sale securities	0	0
Fair Value, Measurements, Recurring | Level 3 | Commercial MBS
Assets measured at fair value on a recurring basis
Available-for-sale securities	0	0
Fair Value, Measurements, Recurring | Level 3 | Other agencies
Assets measured at fair value on a recurring basis
Available-for-sale securities	0	0
Fair Value, Measurements, Recurring | Level 3 | Asset-backed securities
Assets measured at fair value on a recurring basis
Available-for-sale securities	47	10
Fair Value, Measurements, Recurring | Level 3 | Corporate debt
Assets measured at fair value on a recurring basis
Trading account securities	0
Available-for-sale securities	$ 0	$ 0

FAIR VALUES OF ASSETS AND LIA_5

FAIR VALUES OF ASSETS AND LIABILITIES - Level 3 Roll Forward (Details) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2021	Mar. 31, 2020	Mar. 31, 2021	Dec. 31, 2020	Mar. 31, 2020	Dec. 31, 2019
MSRs
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Transfers out of Level 3		$ 0
Assets Level 3 Roll Forward:
Opening balance	$ 210	7
Transfers out of Level 3 (1)	0
Total gains/losses for the period:
Included in earnings	51	(47)
Included in OCI	0	0
Purchases/originations	33	0
Repayments	0
Settlements	(20)	0
Closing balance	210	7	$ 274	$ 210	$ 165	$ 7
Change in unrealized gains or losses for the period included in earnings for assets held at end of the reporting date	51	(47)
Derivative instruments
Assets Level 3 Roll Forward:
Opening balance	41	6
Transfers out of Level 3 (1)	(39)	(20)
Total gains/losses for the period:
Included in earnings	(8)	(53)
Included in OCI	0	0
Purchases/originations	0	0
Repayments	0
Settlements	0	0
Closing balance	41	6	10	41	39	6
Change in unrealized gains or losses for the period included in earnings for assets held at end of the reporting date	(26)	34
Municipal securities
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Transfers out of Level 3		0
Assets Level 3 Roll Forward:
Opening balance	2,951	2,999
Transfers out of Level 3 (1)	0
Total gains/losses for the period:
Included in earnings	0	(1)
Included in OCI	(4)	(68)
Purchases/originations	209	73
Repayments	0
Settlements	(86)	(66)
Closing balance	2,951	2,999	3,070	2,951	2,937	2,999
Fair Value, Asset, Recurring Basis, Still Held, Unrealized Gain (Loss), OCI	(5)	(68)
Private-label CMO
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Transfers out of Level 3		0
Assets Level 3 Roll Forward:
Opening balance	9	2
Transfers out of Level 3 (1)	0
Total gains/losses for the period:
Included in earnings	0	0
Included in OCI	0	0
Purchases/originations	2	0
Repayments	0
Settlements	0	0
Closing balance	9	2	11	9	2	2
Fair Value, Asset, Recurring Basis, Still Held, Unrealized Gain (Loss), OCI	0
Asset-backed securities
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Transfers out of Level 3		0
Assets Level 3 Roll Forward:
Opening balance	10	48
Transfers out of Level 3 (1)	0
Total gains/losses for the period:
Included in earnings	0	0
Included in OCI	0	0
Purchases/originations	37	27
Repayments	0
Settlements	0	(6)
Closing balance	10	48	47	10	69	48
Fair Value, Asset, Recurring Basis, Still Held, Unrealized Gain (Loss), OCI	0	0
Real Estate Loan [Member]
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Transfers out of Level 3		0
Assets Level 3 Roll Forward:
Opening balance	23	26
Transfers out of Level 3 (1)	0
Total gains/losses for the period:
Included in earnings	0	0
Included in OCI	0	0
Purchases/originations	0	0
Repayments	(1)
Settlements	0	0
Closing balance	23	26	22	23	26	26
Change in unrealized gains or losses for the period included in earnings for assets held at end of the reporting date	$ 0	$ 0
Commercial Loan [Member]
Total gains/losses for the period:
MSRs			274	210	$ 165	7
Commercial Loan [Member] | Revision of Prior Period, Adjustment
Total gains/losses for the period:
MSRs						$ 205
Fair Value, Recurring [Member]
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Available-for-sale securities			19,375	16,485
Total gains/losses for the period:
MSRs			274	210
Fair Value, Recurring [Member] | Commercial MBS
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Available-for-sale securities			1,227	1,163
Fair Value, Recurring [Member] | Residential MBS
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Available-for-sale securities			10,645	7,935
Fair Value, Inputs, Level 2 [Member] | Fair Value, Recurring [Member]
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Available-for-sale securities			16,242	13,510
Total gains/losses for the period:
MSRs			0	0
Fair Value, Inputs, Level 2 [Member] | Fair Value, Recurring [Member] | Commercial MBS
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Available-for-sale securities			1,227	1,163
Fair Value, Inputs, Level 2 [Member] | Fair Value, Recurring [Member] | Residential MBS
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Available-for-sale securities			$ 10,645	$ 7,935

FAIR VALUES OF ASSETS AND LIA_6

FAIR VALUES OF ASSETS AND LIABILITIES - Level 3 Classification of Gains/Losses (Details) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2021	Mar. 31, 2020
MSRs
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Gain (Loss) Included in Earnings	$ 51	$ (47)
Mortgage banking income	(51)	47
Fair Value, Assets and Liabilities Measured on Recurring Basis, Gain (Loss) Included in Earnings	51	(47)
Fair Value Assets Measured On Recurring Basis Gain Loss Included In Interest and fee income		0
Derivative Financial Instruments
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Mortgage banking income	(8)	(53)
Fair Value, Assets and Liabilities Measured on Recurring Basis, Gain (Loss) Included in Earnings	(8)	(53)
Fair Value Assets Measured On Recurring Basis Gain Loss Included In Interest and fee income		0
Municipal securities
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Gain (Loss) Included in Earnings	0	(1)
Mortgage banking income		0
Fair Value, Assets and Liabilities Measured on Recurring Basis, Gain (Loss) Included in Earnings		(1)
Fair Value Assets Measured On Recurring Basis Gain Loss Included In Interest and fee income		(1)
Asset-backed securities
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Gain (Loss) Included in Earnings	$ 0	$ 0

FAIR VALUES OF ASSETS AND LIA_7

FAIR VALUES OF ASSETS AND LIABILITIES - Fair Value Option (Details) - USD ($) $ in Millions	Mar. 31, 2021	Dec. 31, 2020
Fair Value, Option, Quantitative Disclosures [Line Items]
Loans Held-for-sale, Fair Value Disclosure	$ 1,531	$ 1,198
Loans and leases, fair value	118	94
Fair Value, Measurements, Recurring
Fair Value, Option, Quantitative Disclosures [Line Items]
Loans Held-for-sale, Fair Value Disclosure	1,531	1,198
Fair Value, Measurements, Recurring | Mortgages Held For Sale
Fair Value, Option, Quantitative Disclosures [Line Items]
Loans Held For Sale Unpaid Principal	1,501	1,134
Difference	(30)	(64)
Fair Value, Measurements, Recurring | Mortgages Held To Maturity
Fair Value, Option, Quantitative Disclosures [Line Items]
Loans and leases, fair value	118	94
Loans Held To Maturity Unpaid Principal	123	99
Difference	(5)	(5)
Fair Value, Measurements, Recurring | 90 or  more days | Mortgages Held For Sale
Fair Value, Option, Quantitative Disclosures [Line Items]
Loans Held-for-sale, Fair Value Disclosure	0	2
Loans Held For Sale Unpaid Principal	0	2
Difference	0	0
Fair Value, Measurements, Recurring | 90 or  more days | Mortgages Held To Maturity
Fair Value, Option, Quantitative Disclosures [Line Items]
Loans and leases, fair value	4	7
Loans Held To Maturity Unpaid Principal	5	8
Difference	$ (1)	$ (1)

FAIR VALUES OF ASSETS AND LIA_8

FAIR VALUES OF ASSETS AND LIABILITIES - Fair Value Option-Changes in Fair Value (Details) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2021	Mar. 31, 2020
Fair Value, Measurements, Recurring
Fair Value, Option, Quantitative Disclosures [Line Items]
Net gains (losses) from fair value changes	$ (34)	$ 19

FAIR VALUES OF ASSETS AND LIA_9

FAIR VALUES OF ASSETS AND LIABILITIES - Non-Recurring Basis (Details) - USD ($) $ in Millions		Mar. 31, 2021	Dec. 31, 2020
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans held for sale	[1]	$ 1,537	$ 1,275
Long-term debt		7,210	8,352
Amortized Cost (1)		7,815	8,861
Assets measured at fair value on a nonrecurring basis
Net loans and direct financing leases		78,527	79,794
Loans Held-for-sale, Fair Value Disclosure		(1,531)	(1,198)
Fair Value
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt Securities, Trading, and Equity Securities, FV-NI		51	62
Loans held for sale		1,537	1,275
Available-for-sale securities		19,375	16,485
Long-term debt		7,305	8,568
Amortized Cost (1)		8,062	9,255
Other Securities		411	418
Assets measured at fair value on a nonrecurring basis
Net loans and direct financing leases		78,603	80,477
Level 1 | Fair Value
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt Securities, Trading, and Equity Securities, FV-NI		0	0
Loans held for sale		0	0
Available-for-sale securities		5	5
Long-term debt		0	0
Amortized Cost (1)		0	0
Assets measured at fair value on a nonrecurring basis
Net loans and direct financing leases		0	0
Level 2 | Fair Value
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt Securities, Trading, and Equity Securities, FV-NI		51	62
Loans held for sale		1,531	1,198
Available-for-sale securities		16,242	13,510
Long-term debt		6,736	7,999
Amortized Cost (1)		8,062	9,255
Assets measured at fair value on a nonrecurring basis
Net loans and direct financing leases		96	71
Level 3 | Fair Value
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt Securities, Trading, and Equity Securities, FV-NI		0	0
Loans held for sale		6	77
Available-for-sale securities		3,128	2,970
Long-term debt		569	569
Amortized Cost (1)		0	0
Assets measured at fair value on a nonrecurring basis
Net loans and direct financing leases		78,507	80,406
Nonrecurring Basis
Assets measured at fair value on a nonrecurring basis
Collateral-dependent loans			$ (144)
Nonrecurring Basis | Fair Value
Assets measured at fair value on a nonrecurring basis
Collateral-dependent loans		(12)
Nonrecurring Basis | Total Gains/(Losses)
Assets measured at fair value on a nonrecurring basis
Collateral-dependent loans		(1)
Nonrecurring Basis | Level 1 | Fair Value
Assets measured at fair value on a nonrecurring basis
Collateral-dependent loans		0
Nonrecurring Basis | Level 2 | Fair Value
Assets measured at fair value on a nonrecurring basis
Collateral-dependent loans		0
Nonrecurring Basis | Level 3 | Fair Value
Assets measured at fair value on a nonrecurring basis
Collateral-dependent loans		$ (12)
[1]	Amounts represent loans for which Huntington has elected the fair value option. See Note 11 “ Fair Values of Assets and Liabilities ”.

FAIR VALUES OF ASSETS AND LI_10

FAIR VALUES OF ASSETS AND LIABILITIES - Significant Unobservable Level 3 Inputs (Details) $ in Millions	Mar. 31, 2021USD ($)	Dec. 31, 2020USD ($)
Fair Value Disclosures [Abstract]
Gross amounts of recognized assets	$ 1,829	$ 1,946
Derivative Liability, Fair Value, Gross Liability	874	1,033
Consumer loans	118	94
Loans Held-for-sale, Fair Value Disclosure	1,531	1,198
Fair Value, Measurements, Recurring
Fair Value Disclosures [Abstract]
MSRs	274	210
Available-for-sale securities	19,375	16,485
Loans Held-for-sale, Fair Value Disclosure	1,531	1,198
Level 3 | Fair Value, Measurements, Recurring
Fair Value Disclosures [Abstract]
MSRs	274	210
Gross amounts of recognized assets	21	43
Derivative Liability, Fair Value, Gross Liability	11	2
Available-for-sale securities	3,128	2,970
Consumer loans	22	23
Loans Held-for-sale, Fair Value Disclosure	0	0
Residential MBS | Fair Value, Measurements, Recurring
Fair Value Disclosures [Abstract]
Available-for-sale securities	10,645	7,935
Residential MBS | Level 3 | Fair Value, Measurements, Recurring
Fair Value Disclosures [Abstract]
Available-for-sale securities	$ 0	$ 0
Residential MBS | Maximum | Valuation Technique, Discounted Cash Flow [Member] | Level 3 | Measurement Input, Constant Prepayment Rate [Member] | Fair Value, Measurements, Recurring
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Servicing Asset, Measurement Input	0.22	0.24
Residential MBS | Maximum | Valuation Technique, Discounted Cash Flow [Member] | Level 3 | Measurement Input, Option Adjusted Spread [Member] | Fair Value, Measurements, Recurring
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Servicing Asset, Measurement Input	0.11	0.11
Residential MBS | Minimum | Valuation Technique, Discounted Cash Flow [Member] | Level 3 | Measurement Input, Constant Prepayment Rate [Member] | Fair Value, Measurements, Recurring
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Servicing Asset, Measurement Input	0.06	0.08
Residential MBS | Minimum | Valuation Technique, Discounted Cash Flow [Member] | Level 3 | Measurement Input, Option Adjusted Spread [Member] | Fair Value, Measurements, Recurring
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Servicing Asset, Measurement Input	0.03	0.04
Residential MBS | Weighted Average | Valuation Technique, Discounted Cash Flow [Member] | Level 3 | Measurement Input, Constant Prepayment Rate [Member] | Fair Value, Measurements, Recurring
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Servicing Asset, Measurement Input	0.12	0.17
Residential MBS | Weighted Average | Valuation Technique, Discounted Cash Flow [Member] | Level 3 | Measurement Input, Option Adjusted Spread [Member] | Fair Value, Measurements, Recurring
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Servicing Asset, Measurement Input	0.05	0.05
Asset-backed securities | Fair Value, Measurements, Recurring
Fair Value Disclosures [Abstract]
Available-for-sale securities	$ 247	$ 192
Asset-backed securities | Level 3 | Fair Value, Measurements, Recurring
Fair Value Disclosures [Abstract]
Available-for-sale securities	47	10
Municipal securities | Fair Value, Measurements, Recurring
Fair Value Disclosures [Abstract]
Available-for-sale securities	3,122	3,004
Municipal securities | Level 3 | Fair Value, Measurements, Recurring
Fair Value Disclosures [Abstract]
Available-for-sale securities	3,070	2,951
Corporate debt | Fair Value, Measurements, Recurring
Fair Value Disclosures [Abstract]
Available-for-sale securities	857	445
Corporate debt | Level 3 | Fair Value, Measurements, Recurring
Fair Value Disclosures [Abstract]
Available-for-sale securities	$ 0	$ 0
Corporate debt | Maximum | Valuation Technique, Discounted Cash Flow [Member] | Level 3 | Measurement Input, Discount Rate [Member] | Fair Value, Measurements, Recurring
Fair Value Disclosures [Abstract]
Debt Securities, Available-for-sale, Measurement Input	0.02	0.01
Corporate debt | Maximum | Valuation Technique, Discounted Cash Flow [Member] | Level 3 | Measurement Input, Default Rate [Member] | Fair Value, Measurements, Recurring
Fair Value Disclosures [Abstract]
Debt Securities, Available-for-sale, Measurement Input	0.39	0.39
Corporate debt | Maximum | Valuation Technique, Discounted Cash Flow [Member] | Level 3 | Measurement Input, Loss Severity [Member] | Fair Value, Measurements, Recurring
Fair Value Disclosures [Abstract]
Debt Securities, Available-for-sale, Measurement Input	0.80	0.80
Corporate debt | Minimum | Valuation Technique, Discounted Cash Flow [Member] | Level 3 | Measurement Input, Discount Rate [Member] | Fair Value, Measurements, Recurring
Fair Value Disclosures [Abstract]
Debt Securities, Available-for-sale, Measurement Input	0	0
Corporate debt | Minimum | Valuation Technique, Discounted Cash Flow [Member] | Level 3 | Measurement Input, Default Rate [Member] | Fair Value, Measurements, Recurring
Fair Value Disclosures [Abstract]
Debt Securities, Available-for-sale, Measurement Input	0	0
Corporate debt | Minimum | Valuation Technique, Discounted Cash Flow [Member] | Level 3 | Measurement Input, Loss Severity [Member] | Fair Value, Measurements, Recurring
Fair Value Disclosures [Abstract]
Debt Securities, Available-for-sale, Measurement Input	0.05	0.05
Corporate debt | Weighted Average | Valuation Technique, Discounted Cash Flow [Member] | Level 3 | Measurement Input, Discount Rate [Member] | Fair Value, Measurements, Recurring
Fair Value Disclosures [Abstract]
Debt Securities, Available-for-sale, Measurement Input	0.01	0.01
Corporate debt | Weighted Average | Valuation Technique, Discounted Cash Flow [Member] | Level 3 | Measurement Input, Default Rate [Member] | Fair Value, Measurements, Recurring
Fair Value Disclosures [Abstract]
Debt Securities, Available-for-sale, Measurement Input	0.04	0.04
Corporate debt | Weighted Average | Valuation Technique, Discounted Cash Flow [Member] | Level 3 | Measurement Input, Loss Severity [Member] | Fair Value, Measurements, Recurring
Fair Value Disclosures [Abstract]
Debt Securities, Available-for-sale, Measurement Input	0.25	0.25
Derivative Financial Instruments, Assets [Member] | Maximum | Valuation Technique, Consensus Pricing Model [Member] | Level 3 | Measurement Input, Net Market Price [Member] | Fair Value, Measurements, Recurring
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Derivative Asset, Measurement Input	0.12	0.11
Derivative Financial Instruments, Assets [Member] | Maximum | Valuation Technique, Consensus Pricing Model [Member] | Level 3 | Measurement Input, Estimated Pull Thru [Member] | Fair Value, Measurements, Recurring
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Derivative Asset, Measurement Input	1	1
Derivative Financial Instruments, Assets [Member] | Minimum | Valuation Technique, Consensus Pricing Model [Member] | Level 3 | Measurement Input, Net Market Price [Member] | Fair Value, Measurements, Recurring
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Derivative Asset, Measurement Input	(0.05)	(0.04)
Fair Value Disclosures [Abstract]
Loans held for investment, Measurement Input	0.01
Derivative Financial Instruments, Assets [Member] | Minimum | Valuation Technique, Consensus Pricing Model [Member] | Level 3 | Measurement Input, Estimated Pull Thru [Member] | Fair Value, Measurements, Recurring
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Derivative Asset, Measurement Input	0.06	0.01
Derivative Financial Instruments, Assets [Member] | Minimum | Market Approach Valuation Technique | Level 3 | Measurement Input, Estimated Pull Thru [Member] | Fair Value, Measurements, Recurring
Fair Value Disclosures [Abstract]
Loans held for investment, Measurement Input	0.90
Derivative Financial Instruments, Assets [Member] | Weighted Average | Valuation Technique, Consensus Pricing Model [Member] | Level 3 | Measurement Input, Net Market Price [Member] | Fair Value, Measurements, Recurring
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Derivative Asset, Measurement Input		0.03
Derivative Financial Instruments, Assets [Member] | Weighted Average | Valuation Technique, Consensus Pricing Model [Member] | Level 3 | Measurement Input, Estimated Pull Thru [Member] | Fair Value, Measurements, Recurring
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Derivative Asset, Measurement Input		0.88

FAIR VALUES OF ASSETS AND LI_11

FAIR VALUES OF ASSETS AND LIABILITIES - Balance Sheet Location (Details) - USD ($) $ in Millions		Mar. 31, 2021	Dec. 31, 2020
Financial Assets:
Held-to-maturity securities		$ 7,815	$ 8,861
Loans held for sale	[1]	1,537	1,275
Net loans and direct financing leases		78,527	79,794
Derivatives		1,013	1,057
Derivative Asset, Fair Value, Gross Asset		1,829	1,946
Derivative Asset, Fair Value, Gross Liability and Obligation to Return Cash, Offset		(816)	(889)
Financial Liabilities:
Deposits		102,184	98,948
Short-term borrowings		219	183
Long-term borrowings		7,210	8,352
Derivatives		171	116
Derivative Liability, Fair Value, Gross Liability		874	1,033
Derivative Liability, Fair Value, Gross Asset and Right to Reclaim Cash, Offset		(703)	(917)
Reported Value Measurement [Member]
Financial Assets:
Cash and short term assets		8,641	6,712
Trading account securities		51	62
Available-for-sale securities		19,375	16,485
Held-to-maturity securities		7,815	8,861
Other Securities		411	418
Loans held for sale		1,537	1,275
Net loans and direct financing leases		78,527	79,794
Derivatives		1,013	1,057
Financial Liabilities:
Deposits		102,184	98,948
Short-term borrowings		219	183
Long-term borrowings		7,210	8,352
Derivatives		171	116
Estimate of Fair Value Measurement [Member]
Financial Assets:
Cash and short term assets		8,641	6,712
Trading account securities		51	62
Available-for-sale securities		19,375	16,485
Held-to-maturity securities		8,062	9,255
Other Securities		411	418
Loans held for sale		1,537	1,275
Other securities (2)		59	59
Net loans and direct financing leases		78,603	80,477
Derivatives		1,013	1,057
Financial Liabilities:
Deposits		102,231	99,021
Short-term borrowings		219	183
Long-term borrowings		7,305	8,568
Derivatives		171	116
Estimate of Fair Value Measurement [Member] | Level 1
Financial Assets:
Trading account securities		0	0
Available-for-sale securities		5	5
Held-to-maturity securities		0	0
Loans held for sale		0	0
Other securities (2)		42	59
Net loans and direct financing leases		0	0
Financial Liabilities:
Deposits		0	0
Short-term borrowings		0	0
Long-term borrowings		0	0
Estimate of Fair Value Measurement [Member] | Level 2
Financial Assets:
Trading account securities		51	62
Available-for-sale securities		16,242	13,510
Held-to-maturity securities		8,062	9,255
Loans held for sale		1,531	1,198
Other securities (2)		17	0
Net loans and direct financing leases		96	71
Derivative Asset, Fair Value, Gross Asset		1,808	1,903
Financial Liabilities:
Deposits		99,998	96,656
Short-term borrowings		219	183
Long-term borrowings		6,736	7,999
Derivative Liability, Fair Value, Gross Liability		863	1,031
Estimate of Fair Value Measurement [Member] | Level 3
Financial Assets:
Trading account securities		0	0
Available-for-sale securities		3,128	2,970
Held-to-maturity securities		0	0
Loans held for sale		6	77
Other securities (2)		0	0
Net loans and direct financing leases		78,507	80,406
Derivative Asset, Fair Value, Gross Asset		21	43
Derivative Asset, Fair Value, Gross Liability and Obligation to Return Cash, Offset		816	889
Financial Liabilities:
Deposits		2,233	2,365
Short-term borrowings		0	0
Long-term borrowings		569	569
Derivative Liability, Fair Value, Gross Liability		11	2
Derivative Liability, Fair Value, Gross Asset and Right to Reclaim Cash, Offset		(703)	(917)
Fair Value, Recurring [Member]
Financial Assets:
Trading account securities		51
Available-for-sale securities		19,375	16,485
Derivatives		1,013	1,057
Derivative Asset, Fair Value, Gross Liability and Obligation to Return Cash, Offset		(816)	(889)
Financial Liabilities:
Derivatives		171	116
Derivative Liability, Fair Value, Gross Asset and Right to Reclaim Cash, Offset		(703)	(917)
Fair Value, Recurring [Member] | Level 1
Financial Assets:
Trading account securities		0
Available-for-sale securities		5	5
Derivative Asset, Fair Value, Gross Asset		0	0
Financial Liabilities:
Derivative Liability, Fair Value, Gross Liability		0	0
Fair Value, Recurring [Member] | Level 2
Financial Assets:
Trading account securities		51
Available-for-sale securities		16,242	13,510
Derivative Asset, Fair Value, Gross Asset		1,808	1,903
Financial Liabilities:
Derivative Liability, Fair Value, Gross Liability		863	1,031
Fair Value, Recurring [Member] | Level 3
Financial Assets:
Trading account securities		0
Available-for-sale securities		3,128	2,970
Derivative Asset, Fair Value, Gross Asset		21	43
Financial Liabilities:
Derivative Liability, Fair Value, Gross Liability		11	2
Other securities | Fair Value, Recurring [Member]
Financial Assets:
Available-for-sale securities		4	4
Other securities | Fair Value, Recurring [Member] | Level 1
Financial Assets:
Available-for-sale securities		0	0
Other securities | Fair Value, Recurring [Member] | Level 2
Financial Assets:
Available-for-sale securities		4	4
Other securities | Fair Value, Recurring [Member] | Level 3
Financial Assets:
Available-for-sale securities		0	0
Amortized Cost [Member] | Reported Value Measurement [Member]
Financial Assets:
Cash and short term assets		8,641	6,712
Held-to-maturity securities		7,815	8,861
Other Securities		352	359
Net loans and direct financing leases		78,409	79,700
Financial Liabilities:
Deposits		102,184	98,948
Short-term borrowings		219	183
Long-term borrowings		7,210	8,352
Fair Value Fair Value Option [Member] | Reported Value Measurement [Member]
Financial Assets:
Trading account securities		51	62
Available-for-sale securities		19,375	16,485
Other Securities		59	59
Loans held for sale		1,531	1,198
Net loans and direct financing leases		118	94
Derivatives		1,013	1,057
Financial Liabilities:
Derivatives		171	116
LowerOfCostOrMarket [Member] | Reported Value Measurement [Member]
Financial Assets:
Loans held for sale		$ 6	$ 77
[1]	Amounts represent loans for which Huntington has elected the fair value option. See Note 11 “ Fair Values of Assets and Liabilities ”.

DERIVATIVE FINANCIAL INSTRUME_3

DERIVATIVE FINANCIAL INSTRUMENTS - Narrative (Details) $ in Millions	3 Months Ended		6 Months Ended
	Mar. 31, 2021USD ($)group	Mar. 31, 2020USD ($)	Jun. 30, 2020USD ($)	Dec. 31, 2020USD ($)
Derivative [Line Items]
Increase (decrease) to net interest income due to derivative adjustment	$ 225	$ 16
Fair value hedging adjustments	(50)		$ (62)
Derivative, Notional Amount	34,208			$ 33,327
Credit risks from interest rate swaps used for trading purposes	593			882
Derivative Liability	$ 171			116
Number of primary groups | group	2
Aggregate credit risk, net of collateral	$ 420			175
Investment securities and cash collateral pledged by Huntington	69
Investment securities and cash collateral pledged to Huntington	434
Loans Payable [Member]
Derivative [Line Items]
Derivative, Notional Amount	17,621			18,646
Derivative used in trading activity
Derivative [Line Items]
Net derivative asset (liability)	73			70
Derivative financial instruments used by Huntington on behalf of customers including offsetting derivatives, notional value	46,000			37,000
Derivative used in Mortgage Banking Activities
Derivative [Line Items]
Derivative, Notional Amount	875			1,170
Derivative, Fair Value, Net	65			26
Fair Value Hedging | Designated as Hedging Instrument [Member]
Derivative [Line Items]
Derivative, Notional Amount	8,587			9,681
Fair Value Hedging | Designated as Hedging Instrument [Member] | Loans Payable [Member]
Derivative [Line Items]
Derivative, Notional Amount	0			0
Cash Flow Hedging | Designated as Hedging Instrument [Member]
Derivative [Line Items]
Derivative, Notional Amount	16,350			17,375
Cash Flow Hedging | Designated as Hedging Instrument [Member] | Loans Payable [Member]
Derivative [Line Items]
Derivative, Notional Amount	16,350			17,375
Commitments to Sell Loans [Member]
Derivative [Line Items]
Commitments to sell residential real estate loans	$ 2,900			$ 2,900

DERIVATIVE FINANCIAL INSTRUME_4

DERIVATIVE FINANCIAL INSTRUMENTS - Hedging Instruments (Details) - USD ($) $ in Millions	Mar. 31, 2021	Dec. 31, 2020
Derivatives, Fair Value [Line Items]
Derivative, Notional Amount	$ 34,208	$ 33,327
Asset derivatives included in accrued income and other assets
Total contracts	1,829	1,946
Liability derivatives included in accrued expenses and other liabilities
Total contracts	874	1,033
Accrued income and other assets
Asset derivatives included in accrued income and other assets
Interest rate contracts designated as hedging instruments	638	719
Interest rate contracts not designated as hedging instruments	1,034	1,074
Foreign exchange contracts not designated as hedging instruments	44	46
Commodities contracts not designated as hedging instruments	101	107
Derivative Instruments Not Designated as Hedging Instruments, Asset, at Fair Value	12	0
Total contracts	1,829	1,946
Accrued expenses and other liabilities
Liability derivatives included in accrued expenses and other liabilities
Interest rate contracts designated as hedging instruments	42	51
Interest rate contracts not designated as hedging instruments	686	828
Foreign exchange contracts not designated as hedging instruments	42	47
Commodities contracts not designated as hedging instruments	98	103
Derivative Instruments Not Designated as Hedging Instruments, Liability, at Fair Value	6	4
Total contracts	874	1,033
Designated as Hedging Instrument [Member] | Accrued income and other assets
Derivatives, Fair Value [Line Items]
Derivative, Notional Amount	24,937	27,056
Not Designated as Hedging Instrument [Member] | Accrued income and other assets
Derivatives, Fair Value [Line Items]
Derivative, Notional Amount	85,628	76,738
Not Designated as Hedging Instrument [Member] | Interest Rate Contract [Member] | Accrued income and other assets
Derivatives, Fair Value [Line Items]
Derivative, Notional Amount	55,792	44,495
Not Designated as Hedging Instrument [Member] | Foreign Exchange Contract [Member] | Accrued income and other assets
Derivatives, Fair Value [Line Items]
Derivative, Notional Amount	2,737	2,718
Not Designated as Hedging Instrument [Member] | Commodity Contract [Member] | Accrued income and other assets
Derivatives, Fair Value [Line Items]
Derivative, Notional Amount	1,660	1,952
Not Designated as Hedging Instrument [Member] | Equity Contract [Member] | Accrued income and other assets
Derivatives, Fair Value [Line Items]
Derivative, Notional Amount	$ 502	$ 517

DERIVATIVE FINANCIAL INSTRUME_5

DERIVATIVE FINANCIAL INSTRUMENTS - Gain (Loss) (Details) - Not Designated as Hedging Instrument [Member] - Fair Value Hedging - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2021	Mar. 31, 2020
Derivative Instruments, Gain (Loss) [Line Items]
Derivative Instruments Not Designated as Hedging Instruments, Gain (Loss), Net	$ 147	$ 120
Interest Rate Contract [Member] | Capital markets fees
Derivative Instruments, Gain (Loss) [Line Items]
Derivative Instruments Not Designated as Hedging Instruments, Gain (Loss), Net	12	18
Interest Rate Contract [Member] | Mortgage banking income
Derivative Instruments, Gain (Loss) [Line Items]
Derivative Instruments Not Designated as Hedging Instruments, Gain (Loss), Net	(6)	96
Interest Rate Floor [Member] | Other noninterest expense
Derivative Instruments, Gain (Loss) [Line Items]
Derivative Instruments Not Designated as Hedging Instruments, Gain (Loss), Net	(2)	0
Foreign Exchange Contract [Member] | Capital markets fees
Derivative Instruments, Gain (Loss) [Line Items]
Derivative Instruments Not Designated as Hedging Instruments, Gain (Loss), Net	6	6
Commodity Contract [Member] | Capital markets fees
Derivative Instruments, Gain (Loss) [Line Items]
Derivative Instruments Not Designated as Hedging Instruments, Gain (Loss), Net	0	2
Equity Contract [Member] | Other noninterest expense
Derivative Instruments, Gain (Loss) [Line Items]
Derivative Instruments Not Designated as Hedging Instruments, Gain (Loss), Net	(7)	(2)
Interest Rate Cap | Other noninterest expense
Derivative Instruments, Gain (Loss) [Line Items]
Derivative Instruments Not Designated as Hedging Instruments, Gain (Loss), Net	$ 144	$ 0

DERIVATIVE FINANCIAL INSTRUME_6

DERIVATIVE FINANCIAL INSTRUMENTS - Asset and Liability Management (Details) - USD ($) $ in Millions	Mar. 31, 2021	Dec. 31, 2020
Notional Disclosures [Abstract]
Derivative, Notional Amount	$ 34,208	$ 33,327
Not Designated as Hedging Instrument, Economic Hedge
Notional Disclosures [Abstract]
Derivative, Notional Amount	9,271	6,271
Fair Value Hedging | Designated as Hedging Instrument [Member]
Notional Disclosures [Abstract]
Derivative, Notional Amount	8,587	9,681
Cash Flow Hedging | Designated as Hedging Instrument [Member]
Notional Disclosures [Abstract]
Derivative, Notional Amount	16,350	17,375
Loans Payable [Member]
Notional Disclosures [Abstract]
Derivative, Notional Amount	17,621	18,646
Loans Payable [Member] | Not Designated as Hedging Instrument, Economic Hedge
Notional Disclosures [Abstract]
Derivative, Notional Amount	1,271	1,271
Loans Payable [Member] | Fair Value Hedging | Designated as Hedging Instrument [Member]
Notional Disclosures [Abstract]
Derivative, Notional Amount	0	0
Loans Payable [Member] | Cash Flow Hedging | Designated as Hedging Instrument [Member]
Notional Disclosures [Abstract]
Derivative, Notional Amount	16,350	17,375
Securities Investment [Member]
Notional Disclosures [Abstract]
Derivative, Notional Amount	3,190	3,484
Securities Investment [Member] | Not Designated as Hedging Instrument, Economic Hedge
Notional Disclosures [Abstract]
Derivative, Notional Amount	0	0
Securities Investment [Member] | Fair Value Hedging | Designated as Hedging Instrument [Member]
Notional Disclosures [Abstract]
Derivative, Notional Amount	3,190	3,484
Securities Investment [Member] | Cash Flow Hedging | Designated as Hedging Instrument [Member]
Notional Disclosures [Abstract]
Derivative, Notional Amount	0	0
Other long-term debt
Notional Disclosures [Abstract]
Derivative, Notional Amount	13,397	11,197
Other long-term debt | Not Designated as Hedging Instrument, Economic Hedge
Notional Disclosures [Abstract]
Derivative, Notional Amount	8,000	5,000
Other long-term debt | Fair Value Hedging | Designated as Hedging Instrument [Member]
Notional Disclosures [Abstract]
Derivative, Notional Amount	5,397	6,197
Other long-term debt | Cash Flow Hedging | Designated as Hedging Instrument [Member]
Notional Disclosures [Abstract]
Derivative, Notional Amount	$ 0	$ 0

DERIVATIVE FINANCIAL INSTRUME_7

DERIVATIVE FINANCIAL INSTRUMENTS - Asset and Liability Management Add Info (Details) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2021	Mar. 31, 2020	Dec. 31, 2020
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Derivative, Notional Amount	$ 34,208		$ 33,327
Increase decrease to net interest income due to derivative adjustment	$ 225	$ 16

DERIVATIVE FINANCIAL INSTRUME_8

DERIVATIVE FINANCIAL INSTRUMENTS - Fair Value Hedges (Details) - USD ($) $ in Millions	3 Months Ended		6 Months Ended
	Mar. 31, 2021	Mar. 31, 2020	Jun. 30, 2020	Dec. 31, 2020
Derivative Instruments, Gain (Loss) [Line Items]
Fair value hedging adjustments	$ 50		$ 62
Investment Securities [Member]
Derivative Instruments, Gain (Loss) [Line Items]
Amortized Cost	5,713			$ 6,637
Cumulative Amount of Fair Value Hedging Adjustment To Hedged Items	1			3
Amortized cost basis of the closed portfolios used in hedging relationships	5,300
Designated hedged items	2,800
Subordinated notes [Member]
Derivative Instruments, Gain (Loss) [Line Items]
Amortized Cost	5,538			6,383
Cumulative Amount of Fair Value Hedging Adjustment To Hedged Items	180			$ 232
Interest income available for sale securities taxable [Member] | Investment Securities [Member]
Derivative Instruments, Gain (Loss) [Line Items]
Change in fair value for derivatives designated as fair value hedges	43	$ 0
Interest income available for sale securities taxable [Member] | Hedged investment securities [Member]
Derivative Instruments, Gain (Loss) [Line Items]
Change in fair value for derivatives designated as fair value hedges	(44)	0
Interest expense subordinated notes and other long term debt [Member] | Subordinated notes [Member]
Derivative Instruments, Gain (Loss) [Line Items]
Change in fair value for derivatives designated as fair value hedges	(50)	200
Interest expense subordinated notes and other long term debt [Member] | Hedged Subordinated notes [Member]
Derivative Instruments, Gain (Loss) [Line Items]
Change in fair value for derivatives designated as fair value hedges	$ 52	$ (190)

DERIVATIVE FINANCIAL INSTRUME_9

DERIVATIVE FINANCIAL INSTRUMENTS - Cash Flow Hedges (Details) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2021	Mar. 31, 2020	Dec. 31, 2020
Derivative Instruments, Gain (Loss) [Line Items]
Gain (Loss) on Interest Rate Cash Flow Hedge Ineffectiveness	$ (34)	$ 308
Derivative, Notional Amount	34,208		$ 33,327
Loans Payable [Member]
Derivative Instruments, Gain (Loss) [Line Items]
Derivative, Notional Amount	$ 17,621		$ 18,646

DERIVATIVE FINANCIAL INSTRUM_10

DERIVATIVE FINANCIAL INSTRUMENTS - MSR Hedging Activities (Details) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2021	Mar. 31, 2020	Dec. 31, 2020
Derivative Instruments and Hedging Activities Disclosures [Line Items]
Derivative, Notional Amount	$ 34,208		$ 33,327
Derivative used in Mortgage Banking Activities
Derivative Instruments and Hedging Activities Disclosures [Line Items]
Derivative, Fair Value, Net	65		26
Derivative, Notional Amount	875		1,170
Trading Assets	9		$ 43
Derivative, Gain (Loss) on Derivative, Net	$ (46)	$ 57

DERIVATIVE FINANCIAL INSTRUM_11

DERIVATIVE FINANCIAL INSTRUMENTS - Offsetting Assets (Details) - USD ($) $ in Millions	Mar. 31, 2021	Dec. 31, 2020
Offsetting Derivative Assets [Abstract]
Gross amounts of recognized assets	$ 1,829	$ 1,946
Gross amounts offset in the condensed consolidated balance sheets	816	889
Net amounts of assets presented in the condensed consolidated balance sheets	1,013	1,057
Gross amounts not offset in the condensed consolidated balance sheets, Financial instruments	(82)	(112)
Gross amounts not offset in the condensed consolidated balance sheets, cash collateral received	(190)	(142)
Net amount	$ 741	$ 803

DERIVATIVE FINANCIAL INSTRUM_12

DERIVATIVE FINANCIAL INSTRUMENTS - Offsetting Liabilities (Details) - USD ($) $ in Millions	Mar. 31, 2021	Dec. 31, 2020
Offsetting Derivative Liabilities [Abstract]
Gross amounts of recognized liabilities	$ 874	$ 1,033
Gross amounts offset in the condensed consolidated balance sheets	(703)	(917)
Derivatives	171	116
Gross amounts not offset in the condensed consolidated balance sheets, Financial instruments	(17)	(9)
Gross amounts not offset in the condensed consolidated balance sheets, Cash collateral received	(173)	(105)
Net amount	$ (19)	$ (2)

VIEs - Narrative (Details)

VIEs - Narrative (Details)	3 Months Ended
	Mar. 31, 2021
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	Mar. 31, 2021	Dec. 31, 2020
Variable Interest Entity [Line Items]
Total Assets	$ 125,768	$ 123,038
Total Liabilities	112,168	110,045
Variable Interest Entity, Not Primary Beneficiary
Variable Interest Entity [Line Items]
Total Assets	1,288	1,278
Total Liabilities	770	824
Maximum Exposure to Loss	1,274	1,264
Trust Preferred Securities | Variable Interest Entity, Not Primary Beneficiary
Variable Interest Entity [Line Items]
Total Assets	14	14
Total Liabilities	253	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	945	956
Total Liabilities	445	500
Maximum Exposure to Loss	945	956
Other Investments | Variable Interest Entity, Not Primary Beneficiary
Variable Interest Entity [Line Items]
Total Assets	329	308
Total Liabilities	72	72
Maximum Exposure to Loss	$ 329	$ 308

VIEs - Trust Preferred Securiti

VIEs - Trust Preferred Securities (Details) $ in Millions	3 Months Ended
	Mar. 31, 2021USD ($)
Variable Interest Entity, Not Primary Beneficiary
Variable Interest Entity [Line Items]
Long-term Debt, Gross	$ 253
Investment in unconsolidated subsidiary	$ 14
Huntington Capital I [Member] | London Interbank Offered Rate (LIBOR)
Variable Interest Entity [Line Items]
Basis spread on variable rate	0.70%
Huntington Capital I [Member] | Variable Interest Entity, Not Primary Beneficiary
Variable Interest Entity [Line Items]
Rate	0.81%
Long-term Debt, Gross	$ 70
Investment in unconsolidated subsidiary	$ 6
Huntington Capital II | London Interbank Offered Rate (LIBOR)
Variable Interest Entity [Line Items]
Basis spread on variable rate	0.625%
Huntington Capital II | Variable Interest Entity, Not Primary Beneficiary
Variable Interest Entity [Line Items]
Rate	0.74%
Long-term Debt, Gross	$ 32
Investment in unconsolidated subsidiary	$ 3
Sky Financial Capital Trust III | London Interbank Offered Rate (LIBOR)
Variable Interest Entity [Line Items]
Basis spread on variable rate	1.40%
Sky Financial Capital Trust III | Variable Interest Entity, Not Primary Beneficiary
Variable Interest Entity [Line Items]
Rate	1.51%
Long-term Debt, Gross	$ 72
Investment in unconsolidated subsidiary	$ 2
Sky Financial Capital Trust IV | London Interbank Offered Rate (LIBOR)
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	1.51%
Long-term Debt, Gross	$ 74
Investment in unconsolidated subsidiary	$ 2
Camco Financial Trust [Member] | Variable Interest Entity, Not Primary Beneficiary
Variable Interest Entity [Line Items]
Rate	1.44%
Long-term Debt, Gross	$ 5
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	3 Months Ended
	Mar. 31, 2021	Mar. 31, 2020	Dec. 31, 2020
Affordable Housing Tax Credit Partnerships
Variable Interest Entity [Line Items]
Affordable housing tax credit investments	$ 1,582		$ 1,568
Less: amortization	(637)		(612)
Net affordable housing tax credit investments	945		956
Unfunded commitments	445		$ 500
Tax credits and other tax benefits recognized	33	$ 29
Proportional Amortization Method
Variable Interest Entity [Line Items]
Proportional amortization expense included in provision for income taxes	$ 28	$ 25

COMMITMENTS AND CONTINGENT LI_3

COMMITMENTS AND CONTINGENT LIABILITIES - Commitments to Extend Credit (Details) - USD ($) $ in Millions	Mar. 31, 2021	Dec. 31, 2020
Commercial
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Contract amount represents credit risk	$ 21,580	$ 20,701
Consumer
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Contract amount represents credit risk	14,966	14,808
Commercial real estate
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Contract amount represents credit risk	1,315	1,313
Standby letters of credit
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Contract amount represents credit risk	632	581
Commercial | Commercial letters-of-credit
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Contract amount represents credit risk	$ 12	$ 21

COMMITMENTS AND CONTINGENT LI_4

COMMITMENTS AND CONTINGENT LIABILITIES - Narrative (Details) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2021	Dec. 31, 2020
Loss Contingencies [Line Items]
Maturity period of majority of standby letters of credit	two years
Maturity period of Commercial letters of credit	90 days
Standby letters of credit
Loss Contingencies [Line Items]
Carrying amount of deferred revenue associated with guarantees	$ 6	$ 5
Outstanding standby letters of credit	632	$ 581
Maximum
Loss Contingencies [Line Items]
Aggregate range of reasonably possible losses current legal proceedings	10
Minimum
Loss Contingencies [Line Items]
Aggregate range of reasonably possible losses current legal proceedings	$ 0

SEGMENT REPORTING (Details)

SEGMENT REPORTING (Details) $ in Millions	3 Months Ended
	Mar. 31, 2021USD ($)numberOfSegments	Mar. 31, 2020USD ($)	Dec. 31, 2020USD ($)
Segment Reporting Information [Line Items]
Number of reporting segments | numberOfSegments	4
Net interest income	$ 972	$ 790
Provision (reduction in allowance) for credit losses	60	(441)
Noninterest income	395	361
Noninterest expense	793	652
Provision (benefit) for income taxes	102	10
Net income	532	48
Total Assets	125,768		$ 123,038
Deposits	102,184		98,948
Operating Segments | Consumer & Business Banking
Segment Reporting Information [Line Items]
Net interest income	337	364
Provision (reduction in allowance) for credit losses	36	(82)
Noninterest income	236	212
Noninterest expense	469	418
Provision (benefit) for income taxes	29	16
Net income	111	60
Total Assets	30,627		30,758
Deposits	65,437		60,910
Operating Segments | Commercial Banking
Segment Reporting Information [Line Items]
Net interest income	199	232
Provision (reduction in allowance) for credit losses	(5)	(298)
Noninterest income	88	86
Noninterest expense	133	129
Provision (benefit) for income taxes	31	(23)
Net income	118	(86)
Total Assets	36,797		36,311
Deposits	25,420		24,766
Operating Segments | Vehicle Finance [Member]
Segment Reporting Information [Line Items]
Net interest income	107	106
Provision (reduction in allowance) for credit losses	22	(60)
Noninterest income	3	3
Noninterest expense	35	35
Provision (benefit) for income taxes	21	3
Net income	76	11
Total Assets	19,208		19,789
Deposits	849		722
Operating Segments | RBPCG
Segment Reporting Information [Line Items]
Net interest income	34	43
Provision (reduction in allowance) for credit losses	7	(1)
Noninterest income	53	50
Noninterest expense	62	62
Provision (benefit) for income taxes	7	6
Net income	25	24
Total Assets	6,837		7,064
Deposits	7,163		7,635
Treasury / Other
Segment Reporting Information [Line Items]
Net interest income	295	45
Provision (reduction in allowance) for credit losses	0	0
Noninterest income	15	10
Noninterest expense	94	8
Provision (benefit) for income taxes	14	8
Net income	202	$ 39
Total Assets	32,299		29,116
Deposits	$ 3,315		$ 4,915