Huntington Bancshares (HBAN) 10-Q 29 Apr 22 2022 Q1 Quarterly report Financial data

Cover Page

Cover Page	3 Months Ended
	Mar. 31, 2022shares
Entity Information [Line Items]
Document Type	10-Q
Document Quarterly Report	true
Document Period End Date	Mar. 31, 2022
Document Transition Report	false
Entity Registrant Name	Huntington Bancshares Incorporated
Entity Incorporation, State or Country Code	MD
Entity File Number	1-34073
Entity Tax Identification Number	31-0724920
Entity Address, Address Line One	41 South High Street
Entity Address, City or Town	Columbus
Entity Address, State or Province	OH
Entity Address, Postal Zip Code	43287
City Area Code	614
Local Phone Number	480-2265
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Large Accelerated Filer
Entity Small Business	false
Entity Emerging Growth Company	false
Entity Shell Company	false
Entity Common Stock, Shares Outstanding	1,439,174,659
Entity Central Index Key	0000049196
Amendment Flag	false
Document Fiscal Year Focus	2022
Document Fiscal Period Focus	Q1
Current Fiscal Year End Date	--12-31
Series H Preferred Stock
Entity Information [Line Items]
Title of 12(b) Security	Depositary Shares (each representing a 1/40th interest in a share of 4.500% Series H Non-Cumulative, perpetual preferred stock)
Trading Symbol	HBANP
Security Exchange Name	NASDAQ
Series I Preferred Stock
Entity Information [Line Items]
Title of 12(b) Security	Depositary Shares (each representing a 1/1000th interest in a share of 5.70% Series I Non-Cumulative, perpetual preferred stock)
Trading Symbol	HBANM
Security Exchange Name	NASDAQ
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

Condensed Consolidated Balance

Condensed Consolidated Balance Sheets - USD ($) $ in Thousands		Mar. 31, 2022	Dec. 31, 2021
Assets
Cash and due from banks		$ 1,708,000	$ 1,811,000
Interest-bearing deposits at Federal Reserve Bank		2,816,000	3,711,000
Interest-bearing deposits in banks		98,000	392,000
Trading account securities		74,000	46,000
Available-for-sale securities		25,152,000	28,460,000
Held-to-maturity securities		17,190,000	12,447,000
Other securities		1,056,000	648,000
Loans held for sale (includes $835 and $1,270 respectively, measured at fair value)	[1]	1,070,000	1,676,000
Loans and leases (includes $175 and $171 respectively, measured at fair value)	[1]	112,817,000	111,267,000
Allowance for loan and lease losses		(2,018,000)	(2,030,000)
Net loans and leases		110,799,000	109,237,000
Bank owned life insurance		2,762,000	2,765,000
Accrued income and other receivables		2,199,000	1,319,000
Premises and equipment		1,173,000	1,164,000
Goodwill		5,349,000	5,349,000
Servicing rights and other intangible assets		665,000	611,000
Other assets		4,745,000	4,428,000
Total assets		176,856,000	174,064,000
Liabilities
Demand deposits—noninterest-bearing		43,824,000	43,236,000
Interest-bearing		103,141,000	100,027,000
Total deposits		146,965,000	143,263,000
Short-term borrowings		652,000	334,000
Long-term debt		6,508,000	7,108,000
Other liabilities		4,250,000	4,041,000
Total liabilities		158,375,000	154,746,000
Commitments and Contingent Liabilities (Note 15)
Shareholders’ equity
Preferred stock		2,167,000	2,167,000
Common stock		14,000	14,000
Capital surplus		15,255,000	15,222,000
Less treasury shares, at cost		(78,000)	(79,000)
Accumulated other comprehensive income (loss)		(1,314,000)	(229,000)
Retained earnings		2,408,000	2,202,000
Total Huntington Bancshares Inc shareholders’ equity		18,452,000	19,297,000
Non-controlling interest		29,000	21,000
Total equity		18,481,000	19,318,000
Total liabilities and shareholders’ equity		$ 176,856,000	$ 174,064,000
Common shares authorized (in shares)		2,250,000,000	2,250,000,000
Common share outstanding (in shares)		1,439,174,659	1,437,742,172
Treasury shares outstanding (in shares)		6,211,714	6,298,288
Preferred stock, authorized shares (in shares)		6,617,808	6,617,808
Preferred shares outstanding (in shares)		557,500	557,500
[1]	Amounts represent loans for which Huntington has elected the fair value option. See Note 12 “ Fair Values of Assets and Liabilities ”.

Condensed Consolidated Balanc_2

Condensed Consolidated Balance Sheets (Parenthetical) - USD ($) $ in Millions	Mar. 31, 2022	Dec. 31, 2021
Assets
Loans held for sale, fair value	$ 835	$ 1,270
Loans and leases, fair value	$ 172	$ 171
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 Thousands	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Interest and fee income:
Loans and leases	$ 1,004,000	$ 752,000
Available-for-sale securities
Taxable	90,000	49,000
Tax-exempt	17,000	13,000
Held-to-maturity securities—taxable	66,000	42,000
Other securities—taxable	5,000	2,000
Other	13,000	11,000
Total interest income	1,195,000	869,000
Interest expense:
Deposits	11,000	11,000
Short-term borrowings	7,000	0
Long-term debt	31,000	(114,000)
Total interest expense	49,000	(103,000)
Net interest income	1,146,000	972,000
Provision for credit losses	25,000	(60,000)
Net interest income after provision for credit losses	1,121,000	1,032,000
Service charges on deposit accounts	97,000	69,000
Card and payment processing income	86,000	65,000
Mortgage banking income	49,000	100,000
Trust and investment management services	65,000	52,000
Capital markets fees	42,000	29,000
Insurance income	31,000	27,000
Leasing revenue	35,000	4,000
Bank owned life insurance income	17,000	16,000
Gain on sale of loans	28,000	3,000
Other noninterest income	49,000	30,000
Total noninterest income	499,000	395,000
Personnel costs	580,000	468,000
Outside data processing and other services	165,000	115,000
Net occupancy	64,000	42,000
Equipment	81,000	46,000
Professional services	19,000	17,000
Marketing	21,000	14,000
Deposit and other insurance expense	18,000	8,000
Amortization of intangibles	14,000	10,000
Lease financing equipment depreciation	14,000	0
Other noninterest expense	77,000	73,000
Total noninterest expense	1,053,000	793,000
Income before income taxes	567,000	634,000
Provision for income taxes	105,000	102,000
Income after income taxes	462,000	532,000
Income attributable to non-controlling interest	2,000	0
Net income attributable to Huntington Bancshares Inc	460,000	532,000
Dividends on preferred shares	28,000	31,000
Net income applicable to common shares	$ 432,000	$ 501,000
Average common shares—basic (in shares)	1,438,427	1,017,512
Average common shares—diluted (in shares)	1,464,327	1,041,003
Per common share:
Net income—basic (in usd per share)	$ 0.30	$ 0.49
Net income—diluted (in usd per share)	$ 0.29	$ 0.48

Condensed Consolidated Statem_2

Condensed Consolidated Statements of Comprehensive Income - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Statement of Comprehensive Income [Abstract]
Net income attributable to Huntington Bancshares Inc	$ 460,000	$ 532,000
Other comprehensive (loss) income, net of tax:
Net unrealized gains (losses) on available-for-sale securities	(1,179,000)	(216,000)
Net impact of fair value hedges on available-for-sale securities	332,000	34,000
Change in fair value related to cash flow hedges	(240,000)	(68,000)
Translation adjustments, net of hedges	0	0
Change in accumulated unrealized gains for pension and other post-retirement obligations	2,000	2,000
Other comprehensive (loss) income, net of tax	(1,085,000)	(248,000)
Comprehensive (loss) income attributable to Huntington Bancshares	(625,000)	284,000
Comprehensive income attributed to non-controlling interest	2,000	0
Comprehensive (loss) income	$ (623,000)	$ 284,000

Condensed Consolidated Statem_3

Condensed Consolidated Statements of Changes in Shareholders' Equity - USD ($) shares in Thousands, $ in Thousands	Total	Preferred Stock	Common Stock	Capital Surplus	Treasury Stock	Accumulated Other Comprehensive Income (Loss)	Retained Earnings	Total	Noncontrolling Interest
Balance, beginning of period at Dec. 31, 2020	$ 12,993,000	$ 2,191,000	$ 10,000	$ 8,781,000	$ (59,000)	$ 192,000	$ 1,878,000	$ 12,993,000	$ 0
Balance, beginning of period (in shares) at Dec. 31, 2020			1,022,258		(5,062)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	532,000						532,000	532,000
Other comprehensive (loss) income, net of tax	(248,000)					(248,000)		(248,000)
Cash dividends declared:
Common	(156,000)						(156,000)	(156,000)
Preferred	(31,000)						(31,000)	(31,000)
Net proceeds from issuance of Preferred Stock	485,000	485,000						485,000
Recognition of the fair value of share-based compensation	28,000			28,000				28,000
Other share-based compensation activity (in shares)			836
Other share-based compensation activity	(3,000)			(3,000)				(3,000)
Other (in shares)					21
Other	0
Balance, end of period at Mar. 31, 2021	13,600,000	2,676,000	$ 10,000	8,806,000	$ (59,000)	(56,000)	2,223,000	13,600,000	0
Balance, end of period (in shares) at Mar. 31, 2021			1,023,094		(5,041)
Balance, beginning of period at Dec. 31, 2021	19,318,000	2,167,000	$ 14,000	15,222,000	$ (79,000)	(229,000)	2,202,000	19,297,000	21,000
Balance, beginning of period (in shares) at Dec. 31, 2021			1,444,040		(6,298)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	462,000						460,000	460,000	2,000
Other comprehensive (loss) income, net of tax	(1,085,000)					(1,085,000)		(1,085,000)
Cash dividends declared:
Common	(226,000)						(226,000)	(226,000)
Preferred	(28,000)						(28,000)	(28,000)
Recognition of the fair value of share-based compensation	40,000			40,000				40,000
Other share-based compensation activity (in shares)			1,346
Other share-based compensation activity	(7,000)			(7,000)				(7,000)
Other (in shares)					87
Other	7,000				$ 1,000			1,000	6,000
Balance, end of period at Mar. 31, 2022	$ 18,481,000	$ 2,167,000	$ 14,000	$ 15,255,000	$ (78,000)	$ (1,314,000)	$ 2,408,000	$ 18,452,000	$ 29,000
Balance, end of period (in shares) at Mar. 31, 2022			1,445,386		(6,211)

Condensed Consolidated Statem_4

Condensed Consolidated Statements of Changes in Shareholders' Equity (Parenthetical) - $ / shares	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Statement of Stockholders' Equity [Abstract]
Common dividends declared (in usd per share)	$ 0.155	$ 0.15

Condensed Consolidated Statem_5

Condensed Consolidated Statements of Cash Flows - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Operating activities
Income after income taxes	$ 462	$ 532
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for credit losses	25	(60)
Depreciation and amortization	112	71
Share-based compensation expense	40	28
Deferred income tax expense	52	61
Net change in:
Trading account securities	(28)	11
Loans held for sale	461	(406)
Other assets	(171)	80
Other liabilities	(102)	(428)
Other, net	(2)	0
Net cash provided by operating activities	849	(111)
Investing activities
Change in interest bearing deposits in banks	388	189
Proceeds from:
Maturities and calls of available-for-sale securities	1,376	1,758
Maturities and calls of held-to-maturity securities	928	1,043
Maturities and calls of other securities	383	8
Sales of available-for-sale securities	0	10
Purchases of available-for-sale securities	(3,866)	(4,857)
Purchases of held-to-maturity securities	(1,460)	0
Purchases of other securities	796	9
Net proceeds from sales of portfolio loans and leases	447	158
Principal payments received under direct finance and sales-type leases	222	188
Net loan and lease activity, excluding sales and purchases	(1,691)	1,402
Purchases of premises and equipment	(73)	(22)
Purchases of loans and leases	(396)	(266)
Net accrued income and other receivables activity	(867)	0
Other, net	50	22
Net cash provided by (used in) investing activities	(5,355)	(376)
Financing activities
Increase in deposits	3,702	3,236
Decrease in short-term borrowings	557	53
Net proceeds from issuance of long-term debt	39	35
Maturity/redemption of long-term debt	(533)	(1,135)
Dividends paid on preferred stock	(28)	(35)
Dividends paid on common stock	(225)	(153)
Repurchases of common stock	0	0
Net proceeds from issuance of preferred stock	0	485
Other, net	(4)	(5)
Net cash provided by financing activities	3,508	2,481
Increase (decrease) in cash and cash equivalents	(998)	1,994
Cash and cash equivalents at beginning of period	5,522	6,595
Cash and cash equivalents at end of period	4,524	8,589
Supplemental disclosures:
Interest paid	61	49
Income taxes paid	(18)	3
Non-cash activities
Loans transferred to held-for-sale from portfolio	356	84
Loans transferred to portfolio from held-for-sale	19	37
Transfer of securities from available-for-sale to held-to-maturity	$ 4,225	$ 0

BASIS OF PRESENTATION

BASIS OF PRESENTATION	3 Months Ended
	Mar. 31, 2022
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 2021 Annual Report on Form 10-K, which include descriptions of significant accounting policies, as updated by the information contained in this report, should be read in conjunction with these interim financial statements. 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. Effective at the beginning of the 2022 first quarter, a new classification within the Unaudited Condensed Consolidated Balance Sheet of accrued income and other receivables was established comprised of activity that was previously classified as loans and leases (other consumer loans and leases) and other assets. All prior period amounts and all related metrics have been revised to conform to the current 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. There were no material subsequent events to disclose for the current period.

ACCOUNTING STANDARDS UPDATE

ACCOUNTING STANDARDS UPDATE	3 Months Ended
	Mar. 31, 2022
Accounting Standards Update and Change in Accounting Principle [Abstract]
ACCOUNTING STANDARDS UPDATE	ACCOUNTING STANDARDS UPDATE Accounting standards yet to be adopted Standard Summary of guidance Effects on financial statements ASU 2021-08-Business Combinations (Topic 805) Issued October 2021 • The amendments in this update require that an acquirer apply topic 606 to the recognition and measurement of revenue contract assets and liabilities acquired in a business combination. • Effective for fiscal years ending after December 15, 2022, including interim periods within those fiscal years. • Adoption of the ASU will be applied prospectively to all business combinations occurring after the adoption date, with early adoption permitted. An entity that elects to early adopt in an interim period should retroactively adjust for any business combination that occurred during the annual period of adoption, this includes the interim period. • The update is not expected to have a material impact on Huntington’s Consolidated financial statements. ASU 2022-01-Derivatives and Hedging (Topic 815): Fair Value Hedging - Portfolio Layer Method Issued March 2022 • The amendments in this update expands the current last-of-layer method to allow for multiple hedged layers in a single closed portfolio. To reflect the expansion, the last-of-layer method has been renamed the portfolio layer method. The standard also expands the scope of the portfolio layer method to include nonprepayable financial assets. • Effective for fiscal years ending after December 15, 2022, including interim periods within those years. Adoption of the ASU will be applied on a modified retrospective basis by means of a cumulative-effect adjustment to the opening balance of retained earning on the initial application date, except for the amendments related to disclosures. Disclosure amendments may be applied either prospectively from the initial adoption date or on a retrospective basis. Early adoption is permitted on any date after the issuance of the standard, if adopted in an interim period the effects of adopting amendments related to basis adjustments should be reflected at the beginning of the fiscal year of adoption. • The ASU also gives entities the options to reclassify debt securities classified in the held-to-maturity category at the date of adoption to the available-for-sale category if the entity applies the portfolio layer method hedging to one or more closed portfolios that include those debt securities. • Huntington is currently evaluating the impact of the ASU on its Consolidated financial statements based on which transactions Huntington may apply the portfolio layer method. ASU 2022-02- Financial Instruments - Credit Losses (Topic 326): Troubled Debt Restructurings and Vintage Disclosures Issued March 2022 • The amendments in this update eliminates TDR accounting for entities that have adopted Update 2016-13, while enhancing disclosure requirements for certain loan modifications when a borrower is experiencing financial difficulty. The ASU also requires current period gross write-offs by year of origination for financing receivables and net investment in leases. • Effective for fiscal years ending after December 15, 2022, including interim periods within those fiscal years. • Adoption of the ASU will be applied prospectively, except for the portion of the standard related to the recognition and measurement of TDRs an entity may elect to use a modified retrospective transition method with a cumulative effect adjustment to retained earnings at the beginning of the period of adoption. An entity that elects to early adopt in an interim period should apply the guidance as of the beginning of the fiscal year that includes the interim period. An entity may also chose to early adopt the amendments about TDRs and related disclosure enhancements separately from amendments about vintage disclosures. • Huntington is currently evaluating the impact of the ASU on its Consolidated financial statements, as well as which adoption method to apply.

INVESTMENT SECURITIES AND OTHER

INVESTMENT SECURITIES AND OTHER SECURITIES	3 Months Ended
	Mar. 31, 2022
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, 2022 and December 31, 2021: Unrealized (dollar amounts in millions) Amortized Gross Gross Fair Value March 31, 2022 Available-for-sale securities: U.S. Treasury $ 5 $ — $ — $ 5 Federal agencies: Residential CMO 2,994 49 (127) 2,916 Residential MBS 14,427 435 (961) 13,901 Commercial MBS 2,073 — (223) 1,850 Other agencies 229 1 (5) 225 Total U.S. Treasury, federal agency and other agency securities 19,728 485 (1,316) 18,897 Municipal securities 3,422 7 (100) 3,329 Private-label CMO 148 — (3) 145 Asset-backed securities 415 — (19) 396 Corporate debt 2,515 70 (204) 2,381 Other securities/Sovereign debt 4 — — 4 Total available-for-sale securities $ 26,232 $ 562 $ (1,642) $ 25,152 Held-to-maturity securities: Federal agencies: Residential CMO $ 5,081 $ — $ (221) $ 4,860 Residential MBS 10,009 4 (495) 9,518 Commercial MBS 1,922 1 (62) 1,861 Other agencies 176 — (4) 172 Total federal agency and other agency securities 17,188 5 (782) 16,411 Municipal securities 2 — — 2 Total held-to-maturity securities $ 17,190 $ 5 $ (782) $ 16,413 Other securities, at cost: Non-marketable equity securities: Federal Home Loan Bank stock $ 465 $ — $ — $ 465 Federal Reserve Bank stock 513 — — 513 Equity securities 12 — — 12 Other securities, at fair value: Mutual funds 60 — — 60 Equity securities 6 — — 6 Total other securities $ 1,056 $ — $ — $ 1,056 (1) Amortized cost amounts excludes accrued interest receivable, which is recorded within accrued income and other receivables on the Consolidated Balance Sheet s . At March 31, 2022, accrued interest receivable on available-for-sale securities and held-to-maturity securities totaled $67 million and $37 million, respectively. Unrealized (dollar amounts in millions) Amortized Gross Gross Fair Value December 31, 2021 Available-for-sale securities: U.S. Treasury $ 5 $ — $ — $ 5 Federal agencies: Residential CMO 4,649 40 (40) 4,649 Residential MBS 15,533 135 (160) 15,508 Commercial MBS 1,896 7 (38) 1,865 Other agencies 248 1 (1) 248 Total U.S. Treasury, federal agency and other agency securities 22,331 183 (239) 22,275 Municipal securities 3,497 62 (33) 3,526 Private-label CMO 106 1 (1) 106 Asset-backed securities 385 1 (4) 382 Corporate debt 2,183 22 (38) 2,167 Other securities/Sovereign debt 4 — — 4 Total available-for-sale securities $ 28,506 $ 269 $ (315) $ 28,460 Held-to-maturity securities: Federal agencies: Residential CMO $ 2,602 $ 35 $ (20) $ 2,617 Residential MBS 7,475 41 (59) 7,457 Commercial MBS 2,175 45 (5) 2,215 Other agencies 193 5 — 198 Total federal agency and other agency securities 12,445 126 (84) 12,487 Municipal securities 2 — — 2 Total held-to-maturity securities $ 12,447 $ 126 $ (84) $ 12,489 Other securities, at cost: Non-marketable equity securities: Federal Home Loan Bank stock $ 52 $ — $ — $ 52 Federal Reserve Bank stock 512 — — 512 Equity securities 12 — — 12 Other securities, at fair value: Mutual funds 65 — — 65 Equity securities 6 1 — 7 Total other securities $ 647 $ 1 $ — $ 648 (1) Amortized cost amounts excludes accrued interest receivable, which is recorded within accrued income and other receivables on the Consolidated Balance Sheet s . At December 31, 2021, accrued interest receivable on available-for-sale securities and held-to-maturity securities totaled $62 million and $26 million, respectively. The following table provides the amortized cost and fair value of securities by contractual maturity at March 31, 2022 and December 31, 2021. 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, 2022 December 31, 2021 (dollar amounts in millions) Amortized Cost Fair Value Amortized Cost Fair Value Available-for-sale securities: Under 1 year $ 379 $ 377 $ 377 $ 374 After 1 year through 5 years 2,103 2,030 1,888 1,880 After 5 years through 10 years 3,350 3,205 3,166 3,180 After 10 years 20,400 19,540 23,075 23,026 Total available-for-sale securities $ 26,232 $ 25,152 $ 28,506 $ 28,460 Held-to-maturity securities: Under 1 year $ 2 $ 2 $ 2 $ 2 After 1 year through 5 years 98 97 162 164 After 5 years through 10 years 44 43 44 45 After 10 years 17,046 16,271 12,239 12,278 Total held-to-maturity securities $ 17,190 $ 16,413 $ 12,447 $ 12,489 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, 2022 and December 31, 2021: Less than 12 Months Over 12 Months Total (dollar amounts in millions) Fair Gross Unrealized Fair Gross Unrealized Fair Gross Unrealized March 31, 2022 Available-for-sale securities: Federal agencies: Residential CMO $ 2,254 $ (115) $ 100 $ (12) $ 2,354 $ (127) Residential MBS 11,723 (754) 2,020 (207) 13,743 (961) Commercial MBS 1,419 (145) 400 (78) 1,819 (223) Other agencies 158 (5) — — 158 (5) Total federal agency and other agency securities 15,554 (1,019) 2,520 (297) 18,074 (1,316) Municipal securities 2,492 (88) 278 (12) 2,770 (100) Private-label CMO 107 (3) — — 107 (3) Asset-backed securities 332 (17) 24 (2) 356 (19) Corporate debt 2,095 (169) 265 (35) 2,360 (204) Total temporarily impaired available-for-sale securities $ 20,580 $ (1,296) $ 3,087 $ (346) $ 23,667 $ (1,642) Held-to-maturity securities: Federal agencies: Residential CMO $ 4,803 $ (221) $ — $ — $ 4,803 $ (221) Residential MBS 8,780 (471) 242 (24) 9,022 (495) Commercial MBS 1,841 (62) — — 1,841 (62) Other agencies 173 (4) — — 173 (4) Total federal agency and other agency securities 15,597 (758) 242 (24) 15,839 (782) Total temporarily impaired held-to-maturity securities $ 15,597 $ (758) $ 242 $ (24) $ 15,839 $ (782) Less than 12 Months Over 12 Months Total (dollar amounts in millions) Fair Gross Unrealized Fair Gross Unrealized Fair Gross Unrealized December 31, 2021 Available-for-sale securities: Federal agencies: Residential CMO $ 2,925 $ (40) $ — $ — $ 2,925 $ (40) Residential MBS 13,491 (160) — — 13,491 (160) Commercial MBS 1,251 (38) — — 1,251 (38) Other agencies 140 (1) — — 140 (1) Total federal agency and other agency securities 17,807 (239) — — 17,807 (239) Municipal securities 859 (22) 319 (11) 1,178 (33) Private-label CMO 78 (1) — — 78 (1) Asset-backed securities 237 (4) — — 237 (4) Corporate debt 1,766 (38) — — 1,766 (38) Total temporarily impaired available-for-sale securities $ 20,747 $ (304) $ 319 $ (11) $ 21,066 $ (315) Held-to-maturity securities: Federal agencies: Residential CMO $ 1,453 $ (20) $ — $ — $ 1,453 $ (20) Residential MBS 5,837 (59) — — 5,837 (59) Commercial MBS 318 (5) — — 318 (5) Total federal agency and other agency securities 7,608 (84) — — 7,608 (84) Total temporarily impaired held-to-maturity securities $ 7,608 $ (84) $ — $ — $ 7,608 $ (84) During the 2022 first quarter, Huntington transferred $4.2 billion of securities from the AFS portfolio to the HTM portfolio. At the time of the transfer, AOCI included $58 million of net unrealized losses (after-tax) attributed to these securities. This loss will be amortized into interest income over the remaining life of the securities. At March 31, 2022 and December 31, 2021, 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 $30.3 billion and $21.7 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, 2022 or December 31, 2021. At March 31, 2022, all HTM debt securities are considered AAA rated. In addition, there were no HTM debt securities considered past due at March 31, 2022. Based on an evaluation of available information including security type, counterparty credit quality, past events, current conditions, and reasonable and supportable forecasts that are relevant to collectability of cash flows, as of March 31, 2022, Huntington has concluded that except for one municipal bond classified as an AFS debt security for which a charge-off of $4 million was recognized, it expects to receive all contractual cash flows from each security held in its AFS and HTM debt securities portfolio. There was no allowance related to investment securities as of March 31, 2022 or December 31, 2021.

LOANS _ LEASES

LOANS / LEASES	3 Months Ended
	Mar. 31, 2022
Receivables [Abstract]
LOANS / LEASES	LOANS AND LEASES The following table provides a detailed listing of Huntington’s loan and lease portfolio at March 31, 2022 and December 31, 2021. (dollar amounts in millions) March 31, 2022 December 31, 2021 Commercial loan and lease portfolio: Commercial and industrial $ 42,236 $ 41,688 Commercial real estate 15,391 14,961 Lease financing 4,978 5,000 Total commercial loan and lease portfolio 62,605 61,649 Consumer loan portfolio: Residential mortgage 19,942 19,256 Automobile 13,480 13,434 Home equity 10,343 10,550 RV and marine 5,191 5,058 Other consumer 1,256 1,320 Total consumer loan portfolio 50,212 49,618 Total loans and leases (1) (2) 112,817 111,267 Allowance for loan and lease losses (2,018) (2,030) Net loans and leases $ 110,799 $ 109,237 (1) Loans and leases are reported at principal amount outstanding including unamortized purchase premiums and discounts, unearned income, and net direct fees and costs associated with originating and acquiring loans and leases. The aggregate amount of these loan and lease adjustments was a net discount of $11 million and $111 million at March 31, 2022 and December 31, 2021, respectively. (2) The total amount of accrued interest recorded for these loans and leases at March 31, 2022, was $142 million and $147 million of commercial and consumer loan and lease portfolios, respectively, and at December 31, 2021, was $148 million and $150 million of commercial and consumer loan and lease portfolios, respectively. Accrued interest is presented in accrued income and other receivables within the Condensed Consolidated Balance Sheet s. Lease Financing Huntington leases equipment to customers, and substantially all such arrangements are classified as either sales-type or direct financing leases, which are included in commercial loans and leases. 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 ACL, with changes recognized as provision expense. The following table presents net investments in lease financing receivables by category at March 31, 2022 and December 31, 2021. (dollar amounts in millions) March 31, December 31, Lease payments receivable $ 4,596 $ 4,620 Estimated residual value of leased assets 768 774 Gross investment in lease financing receivables 5,364 5,394 Deferred origination costs 37 36 Deferred fees, unearned income and other (423) (430) Total lease financing receivables $ 4,978 $ 5,000 The carrying value of residual values guaranteed was $426 million and $473 million as of March 31, 2022 and December 31, 2021, respectively. The future lease rental payments due from customers on sales-type and direct financing leases at March 31, 2022, totaled $4.6 billion and were due as follows: $903 million in 2022, $898 million in 2023, $905 million in 2024, $782 million in 2025, $642 million in 2026, and $466 million thereafter. Interest income recognized for these types of leases was $38 million and $24 million for the three-month periods ended March 31, 2022 and 2021, respectively. Nonaccrual and Past Due Loans and Leases The following table presents NALs by class at March 31, 2022 and December 31, 2021: March 31, 2022 December 31, 2021 (dollar amounts in millions) Nonaccrual loans and leases with no ACL Total nonaccrual loans and leases Nonaccrual loans and leases with no ACL Total nonaccrual loans and leases Commercial and industrial $ 57 $ 323 $ 81 $ 370 Commercial real estate 82 114 80 104 Lease financing 9 38 3 48 Residential mortgage — 117 — 111 Automobile — 4 — 3 Home equity — 84 — 79 RV and marine — 2 — 1 Total nonaccrual loans and leases $ 148 $ 682 $ 164 $ 716 The following table presents an aging analysis of loans and leases, by class at March 31, 2022 and December 31, 2021: March 31, 2022 Past Due (1) Loans Accounted for Under FVO Total Loans 90 or (dollar amounts in millions) 30-59 60-89 90 or Total Current Commercial and industrial $ 61 $ 19 $ 125 $ 205 $ 42,031 $ — $ 42,236 $ 10 Commercial real estate 34 15 9 58 15,333 — 15,391 — Lease financing 38 19 17 74 4,904 — 4,978 12 (3) Residential mortgage 132 48 312 492 19,279 171 19,942 237 (4) Automobile 69 14 8 91 13,389 — 13,480 6 Home equity 41 17 71 129 10,213 1 10,343 12 RV and marine 11 3 2 16 5,175 — 5,191 1 Other consumer 11 2 2 15 1,241 — 1,256 2 Total loans and leases $ 397 $ 137 $ 546 $ 1,080 $ 111,565 $ 172 $ 112,817 $ 280 December 31, 2021 Past Due (1) Loans Accounted for Under FVO Total Loans 90 or (dollar amounts in millions) 30-59 60-89 90 or more days Total Current Commercial and industrial $ 72 $ 69 $ 107 $ 248 $ 41,440 $ — $ 41,688 $ 13 (2) Commercial real estate 9 1 9 19 14,942 — 14,961 — Lease financing 39 13 17 69 4,931 — 5,000 11 (3) Residential mortgage 151 49 233 433 18,653 170 19,256 157 (4) Automobile 79 18 8 105 13,329 — 13,434 6 Home equity 48 35 76 159 10,390 1 10,550 17 RV and marine 14 4 3 21 5,037 — 5,058 3 Other consumer 13 2 3 18 1,302 — 1,320 3 Total loans and leases $ 425 $ 191 $ 456 $ 1,072 $ 110,024 $ 171 $ 111,267 $ 210 (1) NALs are included in this aging analysis based on the loan’s past due status. (2) Amounts include PPP and other SBA loans and leases. (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” to the Consolidated Financial Statements appearing in Huntington’s 2021 Annual Report on Form 10-K for a description of the credit quality indicators Huntington utilizes for monitoring credit quality and for determining an appropriate ACL level. 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 the amortized cost basis of loans and leases by vintage and credit quality indicator at March 31, 2022 and December 31, 2021 respectively: As of March 31, 2022 Term Loans Amortized Cost Basis by Origination Year Revolver Total at Amortized Cost Basis Revolver Total Converted to Term Loans (dollar amounts in millions) 2022 2021 2020 2019 2018 Prior Total Commercial and industrial Credit Quality Indicator (1): Pass $ 5,981 $ 11,288 $ 4,865 $ 3,041 $ 1,596 $ 1,877 $ 10,896 $ 3 $ 39,547 OLEM 12 113 134 141 79 73 116 — 668 Substandard 79 315 235 292 188 304 604 — 2,017 Doubtful — 1 1 — 2 — — — 4 Total Commercial and industrial $ 6,072 $ 11,717 $ 5,235 $ 3,474 $ 1,865 $ 2,254 $ 11,616 $ 3 $ 42,236 Commercial real estate Credit Quality Indicator (1): Pass $ 1,221 $ 3,858 $ 2,307 $ 2,359 $ 1,393 $ 1,629 $ 1,088 $ — $ 13,855 OLEM — 63 39 47 51 49 — — 249 Substandard 32 255 291 417 112 150 29 — 1,286 Doubtful — — — — 1 — — — 1 Total Commercial real estate $ 1,253 $ 4,176 $ 2,637 $ 2,823 $ 1,557 $ 1,828 $ 1,117 $ — $ 15,391 Lease financing Credit Quality Indicator (1): Pass $ 469 $ 1,715 $ 1,332 $ 720 $ 343 $ 284 $ — $ — $ 4,863 OLEM 3 9 27 10 3 2 — — 54 Substandard 3 5 19 19 3 12 — — 61 Total Lease financing $ 475 $ 1,729 $ 1,378 $ 749 $ 349 $ 298 $ — $ — $ 4,978 Residential mortgage Credit Quality Indicator (2): 750+ $ 903 $ 6,036 $ 3,754 $ 910 $ 519 $ 2,387 $ — $ — $ 14,509 650-749 284 1,704 811 318 200 984 — — 4,301 <650 2 73 69 107 125 585 — — 961 Total Residential mortgage $ 1,189 $ 7,813 $ 4,634 $ 1,335 $ 844 $ 3,956 $ — $ — $ 19,771 Automobile Credit Quality Indicator (2): 750+ $ 786 $ 2,802 $ 1,731 $ 1,202 $ 550 $ 340 $ — $ — $ 7,411 650-749 567 2,280 1,060 621 313 160 — — 5,001 <650 49 431 225 166 114 83 — — 1,068 Total Automobile $ 1,402 $ 5,513 $ 3,016 $ 1,989 $ 977 $ 583 $ — $ — $ 13,480 Home equity Credit Quality Indicator (2): 750+ $ 155 $ 611 $ 673 $ 29 $ 28 $ 384 $ 4,788 $ 283 $ 6,951 650-749 43 120 88 12 9 152 2,118 294 2,836 <650 — 2 2 3 3 67 331 147 555 Total Home equity $ 198 $ 733 $ 763 $ 44 $ 40 $ 603 $ 7,237 $ 724 $ 10,342 RV and marine Credit Quality Indicator (2): 750+ $ 415 $ 1,150 $ 864 $ 431 $ 433 $ 549 $ — $ — $ 3,842 650-749 44 419 255 157 144 221 — — 1,240 <650 — 12 14 16 20 47 — — 109 Total RV and marine $ 459 $ 1,581 $ 1,133 $ 604 $ 597 $ 817 $ — $ — $ 5,191 Other consumer Credit Quality Indicator (2): 750+ $ 135 $ 100 $ 52 $ 55 $ 19 $ 58 $ 318 $ 3 $ 740 650-749 20 43 21 28 8 25 294 21 460 <650 — 3 2 5 2 2 27 15 56 Total Other consumer $ 155 $ 146 $ 75 $ 88 $ 29 $ 85 $ 639 $ 39 $ 1,256 (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. As of December 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 Commercial and industrial Credit Quality Indicator (1): Pass $ 15,435 $ 5,677 $ 3,682 $ 1,983 $ 1,080 $ 1,134 $ 9,945 $ 3 $ 38,939 OLEM 183 178 87 83 38 73 166 — 808 Substandard 336 203 344 206 125 167 552 — 1,933 Doubtful 5 1 1 1 — — — — 8 Total Commercial and industrial $ 15,959 $ 6,059 $ 4,114 $ 2,273 $ 1,243 $ 1,374 $ 10,663 $ 3 $ 41,688 Commercial real estate Credit Quality Indicator (1): Pass $ 4,144 $ 2,367 $ 2,593 $ 1,456 $ 761 $ 1,124 $ 798 $ — $ 13,243 OLEM 76 48 42 83 73 19 — — 341 Substandard 224 362 448 115 151 46 30 — 1,376 Doubtful — — — 1 — — — — 1 Total Commercial real estate $ 4,444 $ 2,777 $ 3,083 $ 1,655 $ 985 $ 1,189 $ 828 $ — $ 14,961 Lease financing Credit Quality Indicator (1): Pass $ 1,851 $ 1,441 $ 809 $ 417 $ 226 $ 131 $ — $ — $ 4,875 OLEM 8 32 12 4 2 — — — 58 Substandard 6 23 19 2 9 8 — — 67 Total Lease financing $ 1,865 $ 1,496 $ 840 $ 423 $ 237 $ 139 $ — $ — $ 5,000 Residential mortgage Credit Quality Indicator (2): 750+ $ 5,532 $ 3,857 $ 978 $ 554 $ 687 $ 1,704 $ — $ — $ 13,312 650-749 1,862 993 409 269 254 1,028 — — 4,815 <650 48 56 104 120 99 532 — — 959 Total Residential mortgage $ 7,442 $ 4,906 $ 1,491 $ 943 $ 1,040 $ 3,264 $ — $ — $ 19,086 Automobile Credit Quality Indicator (2): 750+ $ 2,993 $ 1,927 $ 1,381 $ 666 $ 345 $ 129 $ — $ — $ 7,441 650-749 2,393 1,237 736 380 168 55 — — 4,969 <650 380 234 178 128 70 34 — — 1,024 Total Automobile $ 5,766 $ 3,398 $ 2,295 $ 1,174 $ 583 $ 218 $ — $ — $ 13,434 Home equity Credit Quality Indicator (2): 750+ $ 645 $ 701 $ 32 $ 31 $ 34 $ 387 $ 4,772 $ 272 $ 6,874 650-749 129 94 15 13 13 161 2,324 324 3,073 <650 3 2 2 1 1 67 361 165 602 Total Home equity $ 777 $ 797 $ 49 $ 45 $ 48 $ 615 $ 7,457 $ 761 $ 10,549 RV and marine Credit Quality Indicator (2): 750+ $ 1,257 $ 933 $ 470 $ 468 $ 268 $ 319 $ — $ — $ 3,715 650-749 393 273 171 157 106 150 — — 1,250 <650 6 11 13 18 18 27 — — 93 Total RV and marine $ 1,656 $ 1,217 $ 654 $ 643 $ 392 $ 496 $ — $ — $ 5,058 Other consumer Credit Quality Indicator (2): 750+ $ 211 $ 34 $ 50 $ 13 $ 10 $ 27 $ 326 $ 3 $ 674 650-749 88 52 50 23 17 41 295 24 590 <650 2 2 5 2 — 1 27 17 56 Total Other consumer $ 301 $ 88 $ 105 $ 38 $ 27 $ 69 $ 648 $ 44 $ 1,320 (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. 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” to the Consolidated Financial Statements appearing in Huntington’s 2021 Annual Report on Form 10-K 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, 2022 and 2021. New Troubled Debt Restructurings (1) Three Months Ended March 31, 2022 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 53 $ 11 $ 3 $ — $ — $ 14 Commercial real estate 1 — — — — — Residential mortgage 207 — 28 1 — 29 Automobile 625 — 4 1 — 5 Home equity 42 — 1 1 — 2 RV and marine 39 — 1 — — 1 Other consumer 30 — — — — — Total new TDRs 997 $ 11 $ 37 $ 3 $ — $ 51 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 Commercial real estate — — — — — — Residential mortgage 86 — 13 1 — 14 Automobile 902 — 7 1 — 8 Home equity 62 — 1 2 — 3 RV and marine 49 — 1 — — 1 Other consumer 97 — — — 1 1 Total new TDRs 1,208 $ — $ 27 $ 4 $ 1 $ 32 (1) TDRs may include multiple concessions and the disclosure classifications are based on the primary concession provided to the borrower. (2) Post-modification balances approximate pre-modification balances. Pledged Loans The Bank has access to the Federal Reserve’s discount window and advances from the FHLB. As of March 31, 2022 and December 31, 2021, these borrowings and advances are secured by $60.9 billion and $61.1 billion, respectively, of loans.

ALLOWANCE FOR CREDIT LOSSES

ALLOWANCE FOR CREDIT LOSSES	3 Months Ended
	Mar. 31, 2022
Credit Loss [Abstract]
Allowance for Credit Losses	ALLOWANCE FOR CREDIT LOSSES Allowance for Credit Losses - Roll-forward The following tables present ACL activity by portfolio segment for the three-month periods ended March 31, 2022 and 2021. (dollar amounts in millions) Commercial Consumer Total Three-month period ended March 31, 2022: ALLL balance, beginning of period $ 1,462 $ 568 $ 2,030 Loan and lease charge-offs (31) (50) (81) Recoveries of loans and leases previously charged-off 40 22 62 Provision (benefit) for loan and lease losses 43 (36) 7 ALLL balance, end of period $ 1,514 $ 504 $ 2,018 AULC balance, beginning of period $ 41 $ 36 $ 77 Provision (benefit) for unfunded lending commitments 16 (2) 14 AULC balance, end of period $ 57 $ 34 $ 91 ACL balance, end of period $ 1,571 $ 538 $ 2,109 (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 and lease charge-offs (61) (34) (95) Recoveries of loans and leases 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 (benefit) for unfunded lending commitments (6) (7) (13) Unfunded lending commitment losses (1) — (1) AULC balance, end of period $ 27 $ 11 $ 38 ACL balance, end of period $ 1,224 $ 517 $ 1,741 At March 31, 2022, the ACL was $2.1 billion, an increase of $2 million from the December 31, 2021 balance of $2.1 billion.

MORTGAGE LOAN SALES AND SERVICI

MORTGAGE LOAN SALES AND SERVICING RIGHTS	3 Months Ended
	Mar. 31, 2022
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, 2022 and 2021: Three Months Ended (dollar amounts in millions) 2022 2021 Residential mortgage loans sold with servicing retained $ 1,934 $ 2,256 Pretax gains resulting from above loan sales (1) 59 93 (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, 2022 and 2021: Three Months Ended (dollar amounts in millions) 2022 2021 Fair value, beginning of period $ 351 $ 210 New servicing assets created 29 33 Change in fair value during the period due to: Time decay (1) (5) (3) Payoffs (2) (10) (17) Changes in valuation inputs or assumptions (3) 51 51 Fair value, end of period $ 416 $ 274 Weighted-average life (years) 7.5 7.0 (1) Represents decrease in value due to passage of time, including the impact from both regularly scheduled principal payments and partial loan paydowns. (2) Represents decrease in value associated with loans that paid off during the period. (3) Represents change in value resulting primarily from market-driven changes in interest rates. 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 sensitive to movement in interest rates as expected future net servicing income depends on the projected outstanding principal balances of the underlying loans, which are impacted by the level of prepayments. A summary of key assumptions and the sensitivity of the MSR value to changes in these assumptions at March 31, 2022, and December 31, 2021 follows: March 31, 2022 December 31, 2021 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) 9.30 % $ (14) $ (28) 12.28 % $ (17) $ (32) Spread over forward interest rate swap rates 504 bps (8) (17) 466 bps (7) (13) Total servicing, late and other ancillary fees included in mortgage banking income was $22 million and $18 million for the three-month periods ended March 31, 2022 and 2021, respectively. The unpaid principal balance of residential mortgage loans serviced for third parties was $31.6 billion and $31.0 billion at March 31, 2022 and December 31, 2021, respectively.

BORROWINGS

BORROWINGS	3 Months Ended
	Mar. 31, 2022
Debt Disclosure [Abstract]
BORROWINGS	7. BORROWINGS Borrowings with original maturities of one year or less are classified as short-term and were comprised of the following at March 31, 2022 and December 31, 2021, respectively: (dollar amounts in millions) March 31, December 31, Federal funds purchased and securities sold under agreements to repurchase $ 392 $ 320 Other borrowings 260 14 Total short-term borrowings $ 652 $ 334 Huntington’s long-term debt consisted of the following at March 31, 2022 and December 31, 2021, respectively: (dollar amounts in millions) March 31, December 31, The Parent Company: Senior Notes $ 2,013 $ 2,083 Subordinated Notes 1,017 1,028 Total notes issued by the parent 3,030 3,111 The Bank: Senior Notes 1,930 2,434 Subordinated Notes 792 811 Total notes issued by the bank 2,722 3,245 FHLB Advances 214 215 Other 542 537 Total long-term debt $ 6,508 $ 7,108

OTHER COMPREHENSIVE INCOME

OTHER COMPREHENSIVE INCOME	3 Months Ended
	Mar. 31, 2022
Equity [Abstract]
OTHER COMPREHENSIVE INCOME	OTHER COMPREHENSIVE INCOME The components of Huntington’s OCI for the three-month periods ended March 31, 2022 and 2021, were as follows: (dollar amounts in millions) Pretax Tax (Expense) benefit After-tax Three Months Ended March 31, 2022 Unrealized losses on available-for-sale securities arising during the period $ (1,540) $ 354 $ (1,186) Reclassification adjustment for realized net losses included in net income 9 (2) 7 Total unrealized losses on available-for-sale securities (1,531) 352 (1,179) Net impact of fair value hedges on available-for-sale securities 431 (99) 332 Change in fair value related to cash flow hedges (310) 70 (240) Foreign currency translation adjustment (1) 2 — 2 Net unrealized gains (losses) on net investment hedges (2) — (2) Translation adjustments, net of hedges (1) — — — Change in accumulated unrealized gains for pension and other post retirement obligations 3 (1) 2 Other comprehensive (loss) income $ (1,407) $ 322 $ (1,085) Three Months Ended March 31, 2021 Unrealized losses on available-for-sale securities arising during the period $ (287) $ 64 $ (223) Reclassification adjustment for realized net losses included in net income 9 (2) 7 Total unrealized losses on available-for-sale securities (278) 62 (216) Net impact of fair value hedges on available-for-sale securities 44 (10) 34 Change in fair value related to cash flow hedges (88) 20 (68) Change in accumulated unrealized gains for pension and other post retirement obligations 3 (1) 2 Other comprehensive (loss) income $ (319) $ 71 $ (248) (1) Foreign investments are deemed to be permanent in nature and, therefore, Huntington does not provide for taxes on foreign currency translation adjustments. Activity in accumulated OCI for the three-month periods ended March 31, 2022 and 2021, were as follows: (dollar amounts in millions) Unrealized gains (losses) on available-for-sale securities (1) Net impact of fair value hedges on available-for-sale securities Change in fair value related to cash flow hedges Translation adjustments, net of hedges Unrealized gains (losses) for pension and other post- retirement obligations (2) Total Three Months Ended March 31, 2022 Balance, beginning of period $ (153) $ 89 $ 63 $ (3) $ (225) $ (229) Other comprehensive income (loss) before reclassifications (1,186) 332 (240) — — $ (1,094) Amounts reclassified from accumulated OCI to earnings 7 — — — 2 9 Period change (1,179) 332 (240) — 2 (1,085) Balance, end of period $ (1,332) $ 421 $ (177) $ (3) $ (223) $ (1,314) Three Months Ended March 31, 2021 Balance, beginning of period $ 188 $ 2 $ 255 $ — $ (253) $ 192 Other comprehensive income (loss) before reclassifications (223) 34 (68) — — (257) Amounts reclassified from accumulated OCI to earnings 7 — — — 2 9 Period change (216) 34 (68) — 2 (248) Balance, end of period $ (28) $ 36 $ 187 $ — $ (251) $ (56) (1) AOCI amounts at March 31, 2022 and March 31, 2021 include $78 million and $46 million, respectively, of net unrealized losses (after-tax) on securities transferred from the available-for-sale securities portfolio to the held-to-maturity securities portfolio. The net unrealized losses will be recognized in earnings over the remaining life of the security using the effective interest method.

SHAREHOLDERS' EQUITY

SHAREHOLDERS' EQUITY	3 Months Ended
	Mar. 31, 2022
Equity [Abstract]
SHAREHOLDERS' EQUITY	SHAREHOLDERS’ EQUITY Preferred Stock The following is a summary of Huntington’s non-cumulative, non-voting, perpetual preferred stock outstanding. (dollar amounts in millions) Carrying Amount Series Issuance Date Shares Outstanding Dividend Rate Earliest Redemption Date (1) March 31, December 31, 2021 Series B (2) 12/28/2011 35,500 3-mo. LIBOR + 270 bps 1/15/2017 $ 23 $ 23 Series E (3) 2/27/2018 5,000 5.70 4/15/2023 495 495 Series F (3) 5/27/2020 5,000 5.625 7/15/2030 494 494 Series G (3) 8/3/2020 5,000 4.45 10/15/2027 494 494 Series H (2) 2/2/2021 500,000 4.50 4/15/2026 486 486 Series I (3) 6/9/2021 7,000 5.70 12/01/2022 175 175 Total 557,500 $ 2,167 $ 2,167 (1) Denotes earliest option redemption date. Earlier redemption is solely at Huntington’s option, subject to prior approval of FRB. (2) Series B and H of preferred stock have a liquidation value and redemption price per share of $1,000, plus any declared and unpaid dividends. (3) Series E, F, G and I preferred stock have a liquidation value and redemption price per share of $100,000, plus any declared and unpaid dividends. The following table presents the dividends declared for each series of Preferred shares for the three-month periods ended March 31, 2022 and 2021: Three Months Ended March 31, (amounts in millions, except per share data) 2022 2021 Cash Dividend Declared Per Share Cash Dividend Declared Per Share Preferred Series Amount ($) Amount ($) Series B $ 9.36 $ — $ 7.35 $ — Series C — — 14.69 (2) Series D — — 15.63 (9) Series E 1,425.00 (7) 1,425.00 (7) Series F 1,406.25 (7) 1,406.25 (7) Series G 1,112.50 (6) 1,112.50 (6) Series H 11.25 (6) — — Series I 356.25 (2) — — Total $ (28) $ (31) Share Repurchases On July 21, 2021, the Board authorized the repurchase of up to $800 million of common shares within the four quarter period from the third quarter of 2021 through the second quarter of 2022. Purchases of common stock under the authorization may include open market purchases, privately negotiated transactions, and accelerated share repurchase programs. During the 2022 first quarter, Huntington repurchased no shares of common stock. As of March 31, 2022, Huntington has completed $650 million of the current share repurchase authorization. Treasury shares Treasury shares includes shares held for deferred compensation plans, at cost, of $78 million at March 31, 2022 and $79 million at December 31, 2021. Non-controlling Interest in Subsidiaries Through the acquisition of TCF, Huntington acquired a joint venture in which Huntington maintains a 55% ownership interest. As Huntington has a controlling financial interest, its financial results are consolidated in Huntington's financial statements and the other party’s 45% ownership interest is reported as a non-controlling interest within equity.

EARNINGS PER SHARE

EARNINGS PER SHARE	3 Months Ended
	Mar. 31, 2022
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, 2022 and 2021 was as follows: Three Months Ended (dollar amounts in millions, except per share data, share count in thousands) 2022 2021 Basic earnings per common share: Net income attributable to Huntington Bancshares Inc $ 460 $ 532 Preferred stock dividends 28 31 Net income available to common shareholders $ 432 $ 501 Average common shares issued and outstanding 1,438,427 1,017,512 Basic earnings per common share $ 0.30 $ 0.49 Diluted earnings per common share: Dilutive potential common shares: Stock options and restricted stock units and awards 19,629 18,397 Shares held in deferred compensation plans 6,271 5,094 Dilutive potential common shares 25,900 23,491 Total diluted average common shares issued and outstanding 1,464,327 1,041,003 Diluted earnings per common share $ 0.29 $ 0.48 Anti-dilutive awards (1) 2,148 1,666 (1) Reflects the total number of shares related to outstanding options and awards 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, 2022
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 2022 2021 Noninterest income from contracts with customers $ 308 $ 222 Noninterest income within the scope of other GAAP topics 191 173 Total noninterest income $ 499 $ 395 The following table illustrates the disaggregation by operating segment and major revenue stream and reconciles disaggregated revenue to segment revenue presented in Note 16 “ Segment Reporting ”. Three Months Ended March 31, 2022 (dollar amounts in millions) Commercial Banking Consumer & Business Banking Vehicle Finance RBHPCG Treasury / Other Huntington Consolidated Major Revenue Streams Card and payment processing income $ 23 $ 71 $ 2 $ 1 $ — $ 97 Mortgage banking income 6 74 — — — 80 Trust and investment management services — 18 — 47 — 65 Insurance income 2 12 — 16 1 31 Other noninterest income 25 8 — 1 1 35 Net revenue from contracts with customers $ 56 $ 183 $ 2 $ 65 $ 2 $ 308 Noninterest income within the scope of other GAAP topics 85 89 1 1 15 191 Total noninterest income $ 141 $ 272 $ 3 $ 66 $ 17 $ 499 Three Months Ended March 31, 2021 (dollar amounts in millions) Commercial Banking Consumer & Business Banking Vehicle Finance RBHPCG Treasury / Other Huntington Consolidated Major Revenue Streams Card and payment processing income $ 19 $ 48 $ 2 $ — $ — $ 69 Mortgage banking income 4 58 — — — 62 Trust and investment management services 1 13 — 38 — 52 Insurance income 2 12 — 13 — 27 Other noninterest income 2 6 1 1 2 12 Net revenue from contracts with customers $ 28 $ 137 $ 3 $ 52 $ 2 $ 222 Noninterest income within the scope of other GAAP topics 60 99 — 1 13 173 Total noninterest income $ 88 $ 236 $ 3 $ 53 $ 15 $ 395 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, 2022 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, 2022 was determined to be immaterial.

FAIR VALUES OF ASSETS AND LIABI

FAIR VALUES OF ASSETS AND LIABILITIES	3 Months Ended
	Mar. 31, 2022
Fair Value Disclosures [Abstract]
FAIR VALUES OF ASSETS AND LIABILITIES	FAIR VALUES OF ASSETS AND LIABILITIESSee Note 19 “Fair Value of Assets and Liabilities” to the Consolidated Financial Statements appearing in Huntington’s 2021 Annual Report on Form 10-K for a description of the valuation methodologies used for instruments measured at fair value. Assets and liabilities measured at fair value rarely transfer between Level 1 and Level 2 measurements. There were no such transfers during the three-month periods ended March 31, 2022 and 2021. Assets and Liabilities measured at fair value on a recurring basis Fair Value Measurements at Reporting Date Using Netting Adjustments (1) March 31, 2022 (dollar amounts in millions) Level 1 Level 2 Level 3 Assets Trading account securities: Municipal securities $ — $ 74 $ — $ — $ 74 Available-for-sale securities: U.S. Treasury securities 5 — — — 5 Residential CMOs — 2,916 — — 2,916 Residential MBS — 13,901 — — 13,901 Commercial MBS — 1,850 — — 1,850 Other agencies — 225 — — 225 Municipal securities — 47 3,282 — 3,329 Private-label CMO — 126 19 — 145 Asset-backed securities — 334 62 — 396 Corporate debt — 2,381 — — 2,381 Other securities/sovereign debt — 4 — — 4 Total available-for-sale securities 5 21,784 3,363 — 25,152 Other securities 60 6 — — 66 Loans held for sale — 835 — — 835 Loans held for investment — 154 18 — 172 MSRs — — 416 — 416 Other assets: Derivative assets — 1,557 3 (859) 701 Assets held in trust for deferred compensation plans 140 — — — 140 Liabilities Derivative liabilities — 1,216 13 (684) 545 Fair Value Measurements at Reporting Date Using Netting Adjustments (1) December 31, 2021 (dollar amounts in millions) Level 1 Level 2 Level 3 Assets Trading account securities: Municipal securities $ — $ 46 $ — $ — $ 46 Available-for-sale securities: U.S. Treasury securities 5 — — — 5 Residential CMOs — 4,649 — — 4,649 Residential MBS — 15,508 — — 15,508 Commercial MBS — 1,865 — — 1,865 Other agencies — 248 — — 248 Municipal securities — 49 3,477 — 3,526 Private-label CMO — 86 20 — 106 Asset-backed securities — 312 70 — 382 Corporate debt — 2,167 — — 2,167 Other securities/sovereign debt — 4 — — 4 Total available-for-sale securities 5 24,888 3,567 — 28,460 Other securities 65 7 — — 72 Loans held for sale — 1,270 — — 1,270 Loans held for investment — 152 19 — 171 MSRs — — 351 — 351 Other assets: Derivative assets — 1,055 10 (465) 600 Assets held in trust for deferred compensation plans 156 — — — 156 Liabilities Derivative liabilities — 737 6 (624) 119 (1) Amounts represent the impact of legally enforceable master netting agreements that allow the Company to settle positive and negative positions and cash collateral held or placed with the same counterparties. The following tables present a rollforward of the balance sheet amounts measured at fair value on a recurring basis and classified as Level 3. The classification of an item as Level 3 is based on the significance of the unobservable inputs to the overall fair value measurement. However, Level 3 measurements may also include observable components of value that can be validated externally. Accordingly, the gains and losses in the table below include changes in fair value due in part to observable factors that are part of the valuation methodology. Level 3 Fair Value Measurements Available-for-sale securities Loans held for investment (dollar amounts in millions) MSRs Derivative instruments Municipal securities Private- Asset-backed securities Three Months Ended March 31, 2022 Opening balance $ 351 $ 4 $ 3,477 $ 20 $ 70 $ 19 Transfers out of Level 3 (1) — (7) — — — — Total gains/losses for the period: Included in earnings: Mortgage banking income 51 (7) — — — — Interest and fee income — — (2) (1) — — Provision for credit losses — — (4) — — — Included in OCI — — (120) — (1) — Purchases/originations 29 — 172 — — — Sales — — — — — — Repayments — — — — — (1) Settlements (15) — (241) — (7) — Closing balance $ 416 $ (10) $ 3,282 $ 19 $ 62 $ 18 Change in unrealized gains or losses for the period included in earnings for assets held at end of the reporting date $ 51 $ (16) $ — $ — $ — $ — Change in unrealized gains or losses for the period included in other comprehensive income for assets held at the end of the reporting period — — (118) — (1) — Three Months Ended March 31, 2021 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: Mortgage banking income 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) — — — (1) Transfers out of Level 3 represent the settlement value of the derivative instruments (i.e. interest rate lock agreements) that are transferred to loans held for sale, which is classified as Level 2. Assets and liabilities under the fair value option The following tables present the fair value and aggregate principal balance of certain assets and liabilities under the fair value option: (dollar amounts in millions) Total Loans Loans that are 90 or more days past due Fair value carrying amount Aggregate unpaid principal Difference Fair value carrying amount Aggregate unpaid principal Difference March 31, 2022 Assets Loans held for sale $ 835 $ 846 $ (11) $ — $ — $ — Loans held for investment 172 177 (5) 5 5 — December 31, 2021 Assets Loans held for sale $ 1,270 $ 1,237 $ 33 $ — $ — $ — Loans held for investment 171 177 (6) 4 4 — The following table presents the net gains (losses) from fair value changes. (dollar amounts in millions) Three Months Ended March 31, Assets 2022 2021 Loans held for sale (1) $ (44) $ (34) Loans held for investment 1 — (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 were as follows: Fair Value Measurements Using Significant Other Unobservable Inputs (Level 3) Total Gains (Losses) Three Months Ended March 31, (dollar amounts in millions) March 31, 2022 December 31, 2021 2022 2021 Collateral-dependent loans $ 17 $ 39 $ (1) $ (1) Huntington records nonrecurring adjustments of collateral-dependent loans held for investment. Such amounts are generally based on the fair value of the underlying collateral supporting the loan. Appraisals are generally obtained to support the fair value of the collateral and incorporate measures such as recent sales prices for comparable properties and cost of construction. Periodically, in cases where the carrying value exceeds the fair value of the collateral less cost to sell, an impairment charge is recognized in the form of a charge-off. Significant unobservable inputs for assets and liabilities measured at fair value on a recurring and nonrecurring basis The table below presents quantitative information about the significant unobservable inputs for assets and liabilities measured at fair value on a recurring and nonrecurring basis: Quantitative Information about Level 3 Fair Value Measurements At March 31, 2022 (1) At December 31, 2021 (1) (dollar amounts in millions) Valuation Technique Significant Unobservable Input Range Weighted Average Range Weighted Average Measured at fair value on a recurring basis: MSRs Discounted cash flow Constant prepayment rate 6 % - 26% 9 % 8 % —% 23 % 12 % Spread over forward interest rate swap rates 4 % - 11% 5 % 3 % —% 11 % 5 % Derivative assets Consensus Pricing Net market price (11) % - 6% (2) % (4) % —% 8 % 1 % Estimated pull through % 10 % - 100% 91 % 6 % —% 100 % 92 % Municipal securities Discounted cash flow Discount rate 1 % - 3% 3 % — % —% 2 % 1 % Asset-backed securities Cumulative default — % - 64% 5 % — % —% 64 % 5 % Loss given default 5 % - 60% 24 % 5 % —% 80 % 23 % (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: (dollar amounts in millions) Amortized Cost Lower of Cost or Market Fair Value or Fair Value Option Total Carrying Amount Estimated Fair Value March 31, 2022 Financial Assets Cash and short-term assets $ 4,622 $ — $ — $ 4,622 $ 4,622 Trading account securities — — 74 74 74 Available-for-sale securities — — 25,152 25,152 25,152 Held-to-maturity securities 17,190 — — 17,190 16,413 Other securities 990 — 66 1,056 1,056 Loans held for sale — 235 835 1,070 1,069 Net loans and leases (1) 110,627 — 172 110,799 109,138 Derivative assets — — 701 701 701 Assets held in trust for deferred compensation plans — — 140 140 140 Financial Liabilities Deposits 146,965 — — 146,965 147,313 Short-term borrowings 652 — — 652 652 Long-term debt 6,508 — — 6,508 6,799 Derivative liabilities — — 545 545 545 December 31, 2021 Financial Assets Cash and short-term assets $ 5,914 $ — $ — $ 5,914 $ 5,914 Trading account securities — — 46 46 46 Available-for-sale securities — — 28,460 28,460 28,460 Held-to-maturity securities 12,447 — — 12,447 12,489 Other securities 576 — 72 648 648 Loans held for sale — 406 1,270 1,676 1,621 Net loans and leases (1) 109,066 — 171 109,237 109,695 Derivative assets — — 600 600 600 Assets held in trust for deferred compensation plans — — 156 156 156 Financial Liabilities Deposits 143,263 — — 143,263 143,574 Short-term borrowings 334 — — 334 334 Long-term debt 7,108 — — 7,108 7,319 Derivative liabilities — — 119 119 119 (1) Includes collateral-dependent loans. The following table presents the level in the fair value hierarchy for the estimated fair values at March 31, 2022 and December 31, 2021: Estimated Fair Value Measurements at Reporting Date Using Netting Adjustments (1) Presented Balance (dollar amounts in millions) Level 1 Level 2 Level 3 March 31, 2022 Financial Assets Trading account securities $ — $ 74 $ — $ 74 Available-for-sale securities 5 21,784 3,363 25,152 Held-to-maturity securities — 16,413 — 16,413 Other securities (2) 60 6 — 66 Loans held for sale — 835 234 1,069 Net loans and leases — 154 108,984 109,138 Derivative assets — 1,557 3 $ (859) 701 Financial Liabilities Deposits — 143,324 3,989 147,313 Short-term borrowings — 652 — 652 Long-term debt — 5,933 866 6,799 Derivative liabilities — 1,216 13 (684) 545 December 31, 2021 Financial Assets Trading account securities $ — $ 46 $ — $ 46 Available-for-sale securities 5 24,888 3,567 28,460 Held-to-maturity securities — 12,489 — 12,489 Other securities (2) 65 7 — 72 Loans held for sale — 1,270 351 1,621 Net loans and leases — 152 109,543 109,695 Derivative assets — 1,055 10 $ (465) 600 Financial Liabilities Deposits — 139,047 4,527 143,574 Short-term borrowings — 334 — 334 Long-term debt — 6,441 878 7,319 Derivative liabilities — 737 6 (624) 119 (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 FRB, federal funds sold, and securities purchased under resale agreements. Loan commitments and letters-of-credit generally have short-term, variable-rate features and contain clauses that limit Huntington’s exposure to changes in customer credit quality. Accordingly, their carrying values, which are immaterial at the respective balance sheet dates, are reasonable estimates of fair value. Certain assets, the most significant being operating lease assets, bank owned life insurance, and premises and equipment, do not meet the definition of a financial instrument and are excluded from this disclosure. Similarly, mortgage servicing rights, deposit base, and other customer relationship intangibles are not considered financial instruments and are not included above. Accordingly, this fair value information is not intended to, and does not, represent Huntington’s underlying value. Many of the assets and liabilities subject to the disclosure requirements are not actively traded, requiring fair values to be estimated by management. These estimations necessarily involve the use of judgment about a wide variety of factors, including but not limited to, relevancy of market prices of comparable instruments, expected future cash flows, and appropriate discount rates.

DERIVATIVE FINANCIAL INSTRUMENT

DERIVATIVE FINANCIAL INSTRUMENTS	3 Months Ended
	Mar. 31, 2022
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, 2022 and December 31, 2021. Amounts in the table below are presented gross without the impact of any net collateral arrangements. March 31, 2022 December 31, 2021 (dollar amounts in millions) Notional Value Asset Liability Notional Value Asset Liability Derivatives designated as Hedging Instruments Interest rate contracts $ 25,686 $ 574 $ 309 $ 21,306 $ 258 $ 32 Foreign exchange contracts 205 5 — 210 1 — Derivatives not designated as Hedging Instruments Interest rate contracts 43,554 598 538 45,286 587 498 Foreign exchange contracts 3,661 40 43 3,524 29 31 Commodities contracts 978 335 336 1,077 178 177 Equity contracts 685 8 3 685 12 5 Total Contracts $ 74,769 $ 1,560 $ 1,229 $ 72,088 $ 1,065 $ 743 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, 2022 and 2021, 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) 2022 2021 Interest rate contracts: Customer Capital markets fees $ 10 $ 12 Mortgage banking Mortgage banking income (47) (6) 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 10 6 Commodities contracts Capital markets fees 1 — Equity contracts Other noninterest expense 1 (7) Total $ (25) $ 147 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, 2022 and December 31, 2021, identified by the underlying interest rate-sensitive instruments. March 31, 2022 (dollar amounts in millions) Fair Value Hedges Cash Flow Hedges Economic Hedges Total Instruments associated with: Investment securities $ 9,481 $ — $ — $ 9,481 Loans — 12,925 271 13,196 Long-term debt 3,280 — — 3,280 Total notional value at March 31, 2022 $ 12,761 $ 12,925 $ 271 $ 25,957 December 31, 2021 (dollar amounts in millions) Fair Value Hedges Cash Flow Hedges Economic Hedges Total Instruments associated with: Investment securities $ 8,228 $ — $ — $ 8,228 Loans — 11,150 271 11,421 Long-term debt 1,928 — — 1,928 Total notional value at December 31, 2021 $ 10,156 $ 11,150 $ 271 $ 21,577 These derivative financial instruments were entered into for the purpose of managing the interest rate risk of assets and liabilities. Net amounts receivable or payable on contracts hedging either interest earning assets or interest bearing liabilities were accrued as an adjustment to either interest income or interest expense. Adjustments to interest income were also recorded for the amounts related to the amortization of 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 to net interest income of $39 million and $225 million for the three-month periods ended March 31, 2022, and 2021, 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 $8.6 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. Huntington has also designated $869 million of interest rate swaps as fair value hedges of fixed-rate corporate bonds. The following table presents the change in fair value for derivatives designated as fair value hedges as well as the offsetting change in fair value on the hedged item for the three-month periods ended March 31, 2022 and 2021. Three Months Ended (dollar amounts in millions) 2022 2021 Interest rate contracts Change in fair value of interest rate swaps hedging investment securities (1) $ 418 $ 43 Change in fair value of hedged investment securities (1) (430) (44) Change in fair value of interest rate swaps hedging long-term debt (2) (98) (50) Change in fair value of hedged long term debt (2) 98 52 (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, 2022, and December 31, 2021, 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, 2022 December 31, 2021 March 31, 2022 December 31, 2021 Assets Investment securities (1) $ 18,364 $ 17,150 $ (547) $ (117) Liabilities Long-term debt (2) 3,237 1,981 (54) 45 (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, 2022, the amortized cost basis of the closed portfolios used in these hedging relationships was $16.5 billion, the cumulative basis adjustments associated with these hedging relationships was $478 million, and the amounts of the designated hedging instruments were $8.6 billion. (2) Excluded from the above table are the cumulative amount of fair value hedge adjustments remaining for long-term debt for which hedge accounting has been discontinued in the amounts of $12 million at March 31, 2022 and $17 million at December 31, 2021. Cash Flow Hedges At March 31, 2022, Huntington has $12.9 billion of interest rate floors, floor spreads and swaps. These are designated as cash flow hedges for variable rate commercial loans. The change in the fair value of a derivative instrument designated as a cash flow hedge is initially recognized in OCI and is reclassified into income when the hedged item impacts earnings. The initial premium paid for the interest rate 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 (loss) after-tax were $(240) million and $(68) million for the three-month periods ended March 31, 2022 and 2021, 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, 2022 and December 31, 2021 were $30 million and $15 million, respectively. At March 31, 2022 and December 31, 2021, Huntington had commitments to sell residential real estate loans of $1.6 billion and $2.1 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 $ 1,050 $ 1,330 Trading assets — 19 Trading liabilities (24) — Three Months Ended (dollar amounts in millions) 2022 2021 Trading gains $ (47) $ (46) 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, 2022 and December 31, 2021, were $42 million and $51 million, respectively. The total notional values of derivative financial instruments used by Huntington on behalf of customers, including offsetting derivatives, were $44.3 billion and $45.1 billion at March 31, 2022 and December 31, 2021, respectively. Huntington’s credit risk from customer derivatives was $235 million and $551 million at the same dates, respectively. Financial assets and liabilities that are offset in the Unaudited Condensed Consolidated Balance Sheets Huntington records derivatives at fair value as further described in Note 12 “ Fair Values of Assets and Liabilities ”. Derivative balances are presented on a net basis taking into consideration the effects of legally enforceable master netting agreements. Additionally, collateral exchanged with counterparties is also netted against the applicable derivative fair values. Huntington enters into derivative transactions with two primary groups: broker-dealers and banks, and Huntington’s customers. Different methods are utilized for managing counterparty credit exposure and credit risk for each of these groups. Huntington enters into transactions with broker-dealers and banks for various risk management purposes. These types of transactions generally are high dollar volume. Huntington enters into collateral and master netting agreements with these counterparties, and routinely exchanges cash and high quality securities collateral. Huntington enters into transactions with customers to meet their financing, investing, payment and risk management needs. These types of transactions generally are low dollar volume. Huntington enters into master netting agreements with customer counterparties; however, collateral is generally not exchanged with customer counterparties. In addition to the customer derivative credit exposure, aggregate credit risk associated with broker-dealer and bank derivative transactions, net of collateral that has been pledged by the counterparty, was $379 million and $44 million at March 31, 2022 and December 31, 2021, respectively. The credit risk associated with derivatives is calculated after considering master netting agreements. At March 31, 2022, Huntington pledged $209 million of investment securities and cash collateral to counterparties, while other counterparties pledged $492 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, 2022 and December 31, 2021. 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, 2022 $ 1,560 $ (859) $ 701 $ (59) $ (149) $ 493 December 31, 2021 1,065 (465) 600 (65) (31) 504 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, 2022 $ 1,229 $ (684) $ 545 $ (82) $ (17) $ 446 December 31, 2021 743 (624) 119 (3) (116) —

VIEs

VIEs	3 Months Ended
	Mar. 31, 2022
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, 2022, and December 31, 2021: March 31, 2022 (dollar amounts in millions) Total Assets Total Liabilities Maximum Exposure to Loss Affordable Housing Tax Credit Partnerships $ 1,672 $ 960 $ 1,672 Trust Preferred Securities 8 179 — Other Investments 531 167 531 Total $ 2,211 $ 1,306 $ 2,203 December 31, 2021 (dollar amounts in millions) Total Assets Total Liabilities Maximum Exposure to Loss Affordable Housing Tax Credit Partnerships $ 1,652 $ 949 $ 1,652 Trust Preferred Securities 14 248 — Other Investments 484 146 484 Total $ 2,150 $ 1,343 $ 2,136 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, 2022 follows: (dollar amounts in millions) Rate Principal amount of subordinated note/ debenture issued to trust (1) Investment in unconsolidated subsidiary Huntington Capital II 1.59 (2) 32 3 Sky Financial Capital Trust III 2.37 (3) 72 2 Sky Financial Capital Trust IV 2.37 (3) 75 3 Total $ 179 $ 8 (1) Represents the principal amount of debentures issued to each trust, including unamortized original issue discount. (2) Variable effective rate at March 31, 2022, based on three-month LIBOR +0.625%. (3) Variable effective rate at March 31, 2022, based on three-month LIBOR +1.40%. 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 are included in Other 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, 2022 and December 31, 2021. (dollar amounts in millions) March 31, December 31, Affordable housing tax credit investments $ 2,425 $ 2,376 Less: amortization (753) (724) Net affordable housing tax credit investments $ 1,672 $ 1,652 Unfunded commitments $ 960 $ 949 The following table presents other information relating to Huntington’s affordable housing tax credit investments for the three-month periods ended March 31, 2022 and 2021. Three Months Ended (dollar amounts in millions) 2022 2021 Tax credits and other tax benefits recognized $ 53 $ 33 Proportional amortization expense included in provision for income taxes 41 28 There were no sales of affordable housing tax credit investments during the three-month periods ended March 31, 2022 and 2021. There was no impairment recognized for the three-month periods ended March 31, 2022 and 2021. 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, 2022
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, 2022 and December 31, 2021, were as follows: (dollar amounts in millions) March 31, December 31, Contract amount representing credit risk Commitments to extend credit: Commercial $ 28,070 $ 27,933 Consumer 19,659 18,513 Commercial real estate 3,078 3,042 Standby letters of credit and guarantees on industrial revenue bonds 695 694 Commercial letters of credit 58 36 Commitments to extend credit generally have fixed expiration dates, are variable-rate, and contain clauses that permit Huntington to terminate or otherwise renegotiate the contracts in the event of a significant deterioration in the customer’s credit quality. These arrangements normally require the payment of a fee by the customer, the pricing of which is based on prevailing market conditions, credit quality, probability of funding, and other relevant factors. Since many of these commitments are expected to expire without being drawn upon, the contract amounts are not necessarily indicative of future cash requirements. The interest rate risk arising from these financial instruments is insignificant as a result of their predominantly short-term, variable-rate nature. Collateral to secure any funding of these commitments predominately consists of residential and commercial real estate mortgage loans. Standby letters-of-credit and guarantees on industrial revenue bonds are conditional commitments issued to guarantee the performance of a customer to a third-party. These guarantees are primarily issued to support public and private borrowing arrangements, including commercial paper, bond financing, and similar transactions. Most of these arrangements mature within two years. Since the conditions under which Huntington is required to fund these commitments may not materialize, the cash requirements are expected to be less than the total outstanding commitments. The carrying amount of deferred revenue associated with these guarantees was $11 million and $7 million at March 31, 2022 and December 31, 2021, 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 $15 million at March 31, 2022 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, 2022
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: Commercial Banking, Consumer and Business Banking, Vehicle Finance, and Regional Banking and The Huntington Private Client Group (RBHPCG). The Treasury / Other function includes technology and operations, other unallocated assets, liabilities, revenue, and expense. For a description of our business segments, see Note 25 - Segment Reporting to the Consolidated Financial Statements appearing in Huntington’s 2021 Annual Report on Form 10-K. Listed in the following tables is certain operating basis financial information reconciled to Huntington’s March 31, 2022, December 31, 2021, and March 31, 2021, reported results by business segment. Three Months Ended March 31, Income Statements Commercial Banking Consumer & Business Banking Vehicle Finance RBHPCG Treasury / Other Huntington Consolidated (dollar amounts in millions) 2022 Net interest income $ 418 $ 459 $ 120 $ 49 $ 100 $ 1,146 Provision for credit losses 131 (109) (7) 10 — 25 Noninterest income 141 272 3 66 17 499 Noninterest expense 248 612 45 81 67 1,053 Provision (benefit) for income taxes 38 47 18 5 (3) 105 Income attributable to non-controlling interest 2 — — — — 2 Net income (loss) attributable to Huntington Bancshares Inc $ 140 $ 181 $ 67 $ 19 $ 53 $ 460 2021 Net interest income $ 199 $ 337 $ 107 $ 34 $ 295 $ 972 Provision for credit losses 5 (36) (22) (7) — (60) Noninterest income 88 236 3 53 15 395 Noninterest expense 133 469 35 62 94 793 Provision (benefit) for income taxes 31 29 21 7 14 102 Net income attributable to Huntington Bancshares Inc $ 118 $ 111 $ 76 $ 25 $ 202 $ 532 Assets at Deposits at (dollar amounts in millions) March 31, December 31, March 31, December 31, Commercial Banking $ 58,625 $ 57,071 $ 35,034 $ 31,845 Consumer & Business Banking 39,351 39,929 96,907 95,352 Vehicle Finance 21,134 20,752 1,323 1,401 RBHPCG 8,744 8,325 9,672 10,162 Treasury / Other 49,002 47,987 4,029 4,503 Total $ 176,856 $ 174,064 $ 146,965 $ 143,263

ACCOUNTING STANDARDS UPDATE (Po

ACCOUNTING STANDARDS UPDATE (Policies)	3 Months Ended
	Mar. 31, 2022
Accounting Standards Update and Change in Accounting Principle [Abstract]
Accounting Standards Update	ACCOUNTING STANDARDS UPDATE Accounting standards yet to be adopted Standard Summary of guidance Effects on financial statements ASU 2021-08-Business Combinations (Topic 805) Issued October 2021 • The amendments in this update require that an acquirer apply topic 606 to the recognition and measurement of revenue contract assets and liabilities acquired in a business combination. • Effective for fiscal years ending after December 15, 2022, including interim periods within those fiscal years. • Adoption of the ASU will be applied prospectively to all business combinations occurring after the adoption date, with early adoption permitted. An entity that elects to early adopt in an interim period should retroactively adjust for any business combination that occurred during the annual period of adoption, this includes the interim period. • The update is not expected to have a material impact on Huntington’s Consolidated financial statements. ASU 2022-01-Derivatives and Hedging (Topic 815): Fair Value Hedging - Portfolio Layer Method Issued March 2022 • The amendments in this update expands the current last-of-layer method to allow for multiple hedged layers in a single closed portfolio. To reflect the expansion, the last-of-layer method has been renamed the portfolio layer method. The standard also expands the scope of the portfolio layer method to include nonprepayable financial assets. • Effective for fiscal years ending after December 15, 2022, including interim periods within those years. Adoption of the ASU will be applied on a modified retrospective basis by means of a cumulative-effect adjustment to the opening balance of retained earning on the initial application date, except for the amendments related to disclosures. Disclosure amendments may be applied either prospectively from the initial adoption date or on a retrospective basis. Early adoption is permitted on any date after the issuance of the standard, if adopted in an interim period the effects of adopting amendments related to basis adjustments should be reflected at the beginning of the fiscal year of adoption. • The ASU also gives entities the options to reclassify debt securities classified in the held-to-maturity category at the date of adoption to the available-for-sale category if the entity applies the portfolio layer method hedging to one or more closed portfolios that include those debt securities. • Huntington is currently evaluating the impact of the ASU on its Consolidated financial statements based on which transactions Huntington may apply the portfolio layer method. ASU 2022-02- Financial Instruments - Credit Losses (Topic 326): Troubled Debt Restructurings and Vintage Disclosures Issued March 2022 • The amendments in this update eliminates TDR accounting for entities that have adopted Update 2016-13, while enhancing disclosure requirements for certain loan modifications when a borrower is experiencing financial difficulty. The ASU also requires current period gross write-offs by year of origination for financing receivables and net investment in leases. • Effective for fiscal years ending after December 15, 2022, including interim periods within those fiscal years. • Adoption of the ASU will be applied prospectively, except for the portion of the standard related to the recognition and measurement of TDRs an entity may elect to use a modified retrospective transition method with a cumulative effect adjustment to retained earnings at the beginning of the period of adoption. An entity that elects to early adopt in an interim period should apply the guidance as of the beginning of the fiscal year that includes the interim period. An entity may also chose to early adopt the amendments about TDRs and related disclosure enhancements separately from amendments about vintage disclosures. • Huntington is currently evaluating the impact of the ASU on its Consolidated financial statements, as well as which adoption method to apply.

INVESTMENT SECURITIES AND OTH_2

INVESTMENT SECURITIES AND OTHER SECURITIES (Tables)	3 Months Ended
	Mar. 31, 2022
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, 2022 and December 31, 2021: Unrealized (dollar amounts in millions) Amortized Gross Gross Fair Value March 31, 2022 Available-for-sale securities: U.S. Treasury $ 5 $ — $ — $ 5 Federal agencies: Residential CMO 2,994 49 (127) 2,916 Residential MBS 14,427 435 (961) 13,901 Commercial MBS 2,073 — (223) 1,850 Other agencies 229 1 (5) 225 Total U.S. Treasury, federal agency and other agency securities 19,728 485 (1,316) 18,897 Municipal securities 3,422 7 (100) 3,329 Private-label CMO 148 — (3) 145 Asset-backed securities 415 — (19) 396 Corporate debt 2,515 70 (204) 2,381 Other securities/Sovereign debt 4 — — 4 Total available-for-sale securities $ 26,232 $ 562 $ (1,642) $ 25,152 Held-to-maturity securities: Federal agencies: Residential CMO $ 5,081 $ — $ (221) $ 4,860 Residential MBS 10,009 4 (495) 9,518 Commercial MBS 1,922 1 (62) 1,861 Other agencies 176 — (4) 172 Total federal agency and other agency securities 17,188 5 (782) 16,411 Municipal securities 2 — — 2 Total held-to-maturity securities $ 17,190 $ 5 $ (782) $ 16,413 Other securities, at cost: Non-marketable equity securities: Federal Home Loan Bank stock $ 465 $ — $ — $ 465 Federal Reserve Bank stock 513 — — 513 Equity securities 12 — — 12 Other securities, at fair value: Mutual funds 60 — — 60 Equity securities 6 — — 6 Total other securities $ 1,056 $ — $ — $ 1,056 (1) Amortized cost amounts excludes accrued interest receivable, which is recorded within accrued income and other receivables on the Consolidated Balance Sheet s . At March 31, 2022, accrued interest receivable on available-for-sale securities and held-to-maturity securities totaled $67 million and $37 million, respectively. Unrealized (dollar amounts in millions) Amortized Gross Gross Fair Value December 31, 2021 Available-for-sale securities: U.S. Treasury $ 5 $ — $ — $ 5 Federal agencies: Residential CMO 4,649 40 (40) 4,649 Residential MBS 15,533 135 (160) 15,508 Commercial MBS 1,896 7 (38) 1,865 Other agencies 248 1 (1) 248 Total U.S. Treasury, federal agency and other agency securities 22,331 183 (239) 22,275 Municipal securities 3,497 62 (33) 3,526 Private-label CMO 106 1 (1) 106 Asset-backed securities 385 1 (4) 382 Corporate debt 2,183 22 (38) 2,167 Other securities/Sovereign debt 4 — — 4 Total available-for-sale securities $ 28,506 $ 269 $ (315) $ 28,460 Held-to-maturity securities: Federal agencies: Residential CMO $ 2,602 $ 35 $ (20) $ 2,617 Residential MBS 7,475 41 (59) 7,457 Commercial MBS 2,175 45 (5) 2,215 Other agencies 193 5 — 198 Total federal agency and other agency securities 12,445 126 (84) 12,487 Municipal securities 2 — — 2 Total held-to-maturity securities $ 12,447 $ 126 $ (84) $ 12,489 Other securities, at cost: Non-marketable equity securities: Federal Home Loan Bank stock $ 52 $ — $ — $ 52 Federal Reserve Bank stock 512 — — 512 Equity securities 12 — — 12 Other securities, at fair value: Mutual funds 65 — — 65 Equity securities 6 1 — 7 Total other securities $ 647 $ 1 $ — $ 648 (1) Amortized cost amounts excludes accrued interest receivable, which is recorded within accrued income and other receivables on the Consolidated Balance Sheet s . At December 31, 2021, accrued interest receivable on available-for-sale securities and held-to-maturity securities totaled $62 million and $26 million, respectively.
Investments by Contractual Maturity	The following table provides the amortized cost and fair value of securities by contractual maturity at March 31, 2022 and December 31, 2021. 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, 2022 December 31, 2021 (dollar amounts in millions) Amortized Cost Fair Value Amortized Cost Fair Value Available-for-sale securities: Under 1 year $ 379 $ 377 $ 377 $ 374 After 1 year through 5 years 2,103 2,030 1,888 1,880 After 5 years through 10 years 3,350 3,205 3,166 3,180 After 10 years 20,400 19,540 23,075 23,026 Total available-for-sale securities $ 26,232 $ 25,152 $ 28,506 $ 28,460 Held-to-maturity securities: Under 1 year $ 2 $ 2 $ 2 $ 2 After 1 year through 5 years 98 97 162 164 After 5 years through 10 years 44 43 44 45 After 10 years 17,046 16,271 12,239 12,278 Total held-to-maturity securities $ 17,190 $ 16,413 $ 12,447 $ 12,489
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, 2022 and December 31, 2021: Less than 12 Months Over 12 Months Total (dollar amounts in millions) Fair Gross Unrealized Fair Gross Unrealized Fair Gross Unrealized March 31, 2022 Available-for-sale securities: Federal agencies: Residential CMO $ 2,254 $ (115) $ 100 $ (12) $ 2,354 $ (127) Residential MBS 11,723 (754) 2,020 (207) 13,743 (961) Commercial MBS 1,419 (145) 400 (78) 1,819 (223) Other agencies 158 (5) — — 158 (5) Total federal agency and other agency securities 15,554 (1,019) 2,520 (297) 18,074 (1,316) Municipal securities 2,492 (88) 278 (12) 2,770 (100) Private-label CMO 107 (3) — — 107 (3) Asset-backed securities 332 (17) 24 (2) 356 (19) Corporate debt 2,095 (169) 265 (35) 2,360 (204) Total temporarily impaired available-for-sale securities $ 20,580 $ (1,296) $ 3,087 $ (346) $ 23,667 $ (1,642) Held-to-maturity securities: Federal agencies: Residential CMO $ 4,803 $ (221) $ — $ — $ 4,803 $ (221) Residential MBS 8,780 (471) 242 (24) 9,022 (495) Commercial MBS 1,841 (62) — — 1,841 (62) Other agencies 173 (4) — — 173 (4) Total federal agency and other agency securities 15,597 (758) 242 (24) 15,839 (782) Total temporarily impaired held-to-maturity securities $ 15,597 $ (758) $ 242 $ (24) $ 15,839 $ (782) Less than 12 Months Over 12 Months Total (dollar amounts in millions) Fair Gross Unrealized Fair Gross Unrealized Fair Gross Unrealized December 31, 2021 Available-for-sale securities: Federal agencies: Residential CMO $ 2,925 $ (40) $ — $ — $ 2,925 $ (40) Residential MBS 13,491 (160) — — 13,491 (160) Commercial MBS 1,251 (38) — — 1,251 (38) Other agencies 140 (1) — — 140 (1) Total federal agency and other agency securities 17,807 (239) — — 17,807 (239) Municipal securities 859 (22) 319 (11) 1,178 (33) Private-label CMO 78 (1) — — 78 (1) Asset-backed securities 237 (4) — — 237 (4) Corporate debt 1,766 (38) — — 1,766 (38) Total temporarily impaired available-for-sale securities $ 20,747 $ (304) $ 319 $ (11) $ 21,066 $ (315) Held-to-maturity securities: Federal agencies: Residential CMO $ 1,453 $ (20) $ — $ — $ 1,453 $ (20) Residential MBS 5,837 (59) — — 5,837 (59) Commercial MBS 318 (5) — — 318 (5) Total federal agency and other agency securities 7,608 (84) — — 7,608 (84) Total temporarily impaired held-to-maturity securities $ 7,608 $ (84) $ — $ — $ 7,608 $ (84)

LOANS _ LEASES (Tables)

LOANS / LEASES (Tables)	3 Months Ended
	Mar. 31, 2022
Receivables [Abstract]
Loan and Lease Portfolio	The following table provides a detailed listing of Huntington’s loan and lease portfolio at March 31, 2022 and December 31, 2021. (dollar amounts in millions) March 31, 2022 December 31, 2021 Commercial loan and lease portfolio: Commercial and industrial $ 42,236 $ 41,688 Commercial real estate 15,391 14,961 Lease financing 4,978 5,000 Total commercial loan and lease portfolio 62,605 61,649 Consumer loan portfolio: Residential mortgage 19,942 19,256 Automobile 13,480 13,434 Home equity 10,343 10,550 RV and marine 5,191 5,058 Other consumer 1,256 1,320 Total consumer loan portfolio 50,212 49,618 Total loans and leases (1) (2) 112,817 111,267 Allowance for loan and lease losses (2,018) (2,030) Net loans and leases $ 110,799 $ 109,237 (1) Loans and leases are reported at principal amount outstanding including unamortized purchase premiums and discounts, unearned income, and net direct fees and costs associated with originating and acquiring loans and leases. The aggregate amount of these loan and lease adjustments was a net discount of $11 million and $111 million at March 31, 2022 and December 31, 2021, respectively. (2) The total amount of accrued interest recorded for these loans and leases at March 31, 2022, was $142 million and $147 million of commercial and consumer loan and lease portfolios, respectively, and at December 31, 2021, was $148 million and $150 million of commercial and consumer loan and lease portfolios, respectively. Accrued interest is presented in accrued income and other receivables within the Condensed Consolidated Balance Sheet
Direct Financing Lease, Lease Income	The following table presents net investments in lease financing receivables by category at March 31, 2022 and December 31, 2021. (dollar amounts in millions) March 31, December 31, Lease payments receivable $ 4,596 $ 4,620 Estimated residual value of leased assets 768 774 Gross investment in lease financing receivables 5,364 5,394 Deferred origination costs 37 36 Deferred fees, unearned income and other (423) (430) Total lease financing receivables $ 4,978 $ 5,000
NALs and Past Due Loans	The following table presents NALs by class at March 31, 2022 and December 31, 2021: March 31, 2022 December 31, 2021 (dollar amounts in millions) Nonaccrual loans and leases with no ACL Total nonaccrual loans and leases Nonaccrual loans and leases with no ACL Total nonaccrual loans and leases Commercial and industrial $ 57 $ 323 $ 81 $ 370 Commercial real estate 82 114 80 104 Lease financing 9 38 3 48 Residential mortgage — 117 — 111 Automobile — 4 — 3 Home equity — 84 — 79 RV and marine — 2 — 1 Total nonaccrual loans and leases $ 148 $ 682 $ 164 $ 716
Aging analysis of loans and leases	The following table presents an aging analysis of loans and leases, by class at March 31, 2022 and December 31, 2021: March 31, 2022 Past Due (1) Loans Accounted for Under FVO Total Loans 90 or (dollar amounts in millions) 30-59 60-89 90 or Total Current Commercial and industrial $ 61 $ 19 $ 125 $ 205 $ 42,031 $ — $ 42,236 $ 10 Commercial real estate 34 15 9 58 15,333 — 15,391 — Lease financing 38 19 17 74 4,904 — 4,978 12 (3) Residential mortgage 132 48 312 492 19,279 171 19,942 237 (4) Automobile 69 14 8 91 13,389 — 13,480 6 Home equity 41 17 71 129 10,213 1 10,343 12 RV and marine 11 3 2 16 5,175 — 5,191 1 Other consumer 11 2 2 15 1,241 — 1,256 2 Total loans and leases $ 397 $ 137 $ 546 $ 1,080 $ 111,565 $ 172 $ 112,817 $ 280 December 31, 2021 Past Due (1) Loans Accounted for Under FVO Total Loans 90 or (dollar amounts in millions) 30-59 60-89 90 or more days Total Current Commercial and industrial $ 72 $ 69 $ 107 $ 248 $ 41,440 $ — $ 41,688 $ 13 (2) Commercial real estate 9 1 9 19 14,942 — 14,961 — Lease financing 39 13 17 69 4,931 — 5,000 11 (3) Residential mortgage 151 49 233 433 18,653 170 19,256 157 (4) Automobile 79 18 8 105 13,329 — 13,434 6 Home equity 48 35 76 159 10,390 1 10,550 17 RV and marine 14 4 3 21 5,037 — 5,058 3 Other consumer 13 2 3 18 1,302 — 1,320 3 Total loans and leases $ 425 $ 191 $ 456 $ 1,072 $ 110,024 $ 171 $ 111,267 $ 210 (1) NALs are included in this aging analysis based on the loan’s past due status. (2) Amounts include PPP and other SBA loans and leases. (3) Amounts include Huntington Technology Finance administrative lease delinquencies. (4) Amounts include mortgage loans insured by U.S. government agencies.
Loan and lease balances by credit quality indicator	The following tables present the amortized cost basis of loans and leases by vintage and credit quality indicator at March 31, 2022 and December 31, 2021 respectively: As of March 31, 2022 Term Loans Amortized Cost Basis by Origination Year Revolver Total at Amortized Cost Basis Revolver Total Converted to Term Loans (dollar amounts in millions) 2022 2021 2020 2019 2018 Prior Total Commercial and industrial Credit Quality Indicator (1): Pass $ 5,981 $ 11,288 $ 4,865 $ 3,041 $ 1,596 $ 1,877 $ 10,896 $ 3 $ 39,547 OLEM 12 113 134 141 79 73 116 — 668 Substandard 79 315 235 292 188 304 604 — 2,017 Doubtful — 1 1 — 2 — — — 4 Total Commercial and industrial $ 6,072 $ 11,717 $ 5,235 $ 3,474 $ 1,865 $ 2,254 $ 11,616 $ 3 $ 42,236 Commercial real estate Credit Quality Indicator (1): Pass $ 1,221 $ 3,858 $ 2,307 $ 2,359 $ 1,393 $ 1,629 $ 1,088 $ — $ 13,855 OLEM — 63 39 47 51 49 — — 249 Substandard 32 255 291 417 112 150 29 — 1,286 Doubtful — — — — 1 — — — 1 Total Commercial real estate $ 1,253 $ 4,176 $ 2,637 $ 2,823 $ 1,557 $ 1,828 $ 1,117 $ — $ 15,391 Lease financing Credit Quality Indicator (1): Pass $ 469 $ 1,715 $ 1,332 $ 720 $ 343 $ 284 $ — $ — $ 4,863 OLEM 3 9 27 10 3 2 — — 54 Substandard 3 5 19 19 3 12 — — 61 Total Lease financing $ 475 $ 1,729 $ 1,378 $ 749 $ 349 $ 298 $ — $ — $ 4,978 Residential mortgage Credit Quality Indicator (2): 750+ $ 903 $ 6,036 $ 3,754 $ 910 $ 519 $ 2,387 $ — $ — $ 14,509 650-749 284 1,704 811 318 200 984 — — 4,301 <650 2 73 69 107 125 585 — — 961 Total Residential mortgage $ 1,189 $ 7,813 $ 4,634 $ 1,335 $ 844 $ 3,956 $ — $ — $ 19,771 Automobile Credit Quality Indicator (2): 750+ $ 786 $ 2,802 $ 1,731 $ 1,202 $ 550 $ 340 $ — $ — $ 7,411 650-749 567 2,280 1,060 621 313 160 — — 5,001 <650 49 431 225 166 114 83 — — 1,068 Total Automobile $ 1,402 $ 5,513 $ 3,016 $ 1,989 $ 977 $ 583 $ — $ — $ 13,480 Home equity Credit Quality Indicator (2): 750+ $ 155 $ 611 $ 673 $ 29 $ 28 $ 384 $ 4,788 $ 283 $ 6,951 650-749 43 120 88 12 9 152 2,118 294 2,836 <650 — 2 2 3 3 67 331 147 555 Total Home equity $ 198 $ 733 $ 763 $ 44 $ 40 $ 603 $ 7,237 $ 724 $ 10,342 RV and marine Credit Quality Indicator (2): 750+ $ 415 $ 1,150 $ 864 $ 431 $ 433 $ 549 $ — $ — $ 3,842 650-749 44 419 255 157 144 221 — — 1,240 <650 — 12 14 16 20 47 — — 109 Total RV and marine $ 459 $ 1,581 $ 1,133 $ 604 $ 597 $ 817 $ — $ — $ 5,191 Other consumer Credit Quality Indicator (2): 750+ $ 135 $ 100 $ 52 $ 55 $ 19 $ 58 $ 318 $ 3 $ 740 650-749 20 43 21 28 8 25 294 21 460 <650 — 3 2 5 2 2 27 15 56 Total Other consumer $ 155 $ 146 $ 75 $ 88 $ 29 $ 85 $ 639 $ 39 $ 1,256 (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. As of December 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 Commercial and industrial Credit Quality Indicator (1): Pass $ 15,435 $ 5,677 $ 3,682 $ 1,983 $ 1,080 $ 1,134 $ 9,945 $ 3 $ 38,939 OLEM 183 178 87 83 38 73 166 — 808 Substandard 336 203 344 206 125 167 552 — 1,933 Doubtful 5 1 1 1 — — — — 8 Total Commercial and industrial $ 15,959 $ 6,059 $ 4,114 $ 2,273 $ 1,243 $ 1,374 $ 10,663 $ 3 $ 41,688 Commercial real estate Credit Quality Indicator (1): Pass $ 4,144 $ 2,367 $ 2,593 $ 1,456 $ 761 $ 1,124 $ 798 $ — $ 13,243 OLEM 76 48 42 83 73 19 — — 341 Substandard 224 362 448 115 151 46 30 — 1,376 Doubtful — — — 1 — — — — 1 Total Commercial real estate $ 4,444 $ 2,777 $ 3,083 $ 1,655 $ 985 $ 1,189 $ 828 $ — $ 14,961 Lease financing Credit Quality Indicator (1): Pass $ 1,851 $ 1,441 $ 809 $ 417 $ 226 $ 131 $ — $ — $ 4,875 OLEM 8 32 12 4 2 — — — 58 Substandard 6 23 19 2 9 8 — — 67 Total Lease financing $ 1,865 $ 1,496 $ 840 $ 423 $ 237 $ 139 $ — $ — $ 5,000 Residential mortgage Credit Quality Indicator (2): 750+ $ 5,532 $ 3,857 $ 978 $ 554 $ 687 $ 1,704 $ — $ — $ 13,312 650-749 1,862 993 409 269 254 1,028 — — 4,815 <650 48 56 104 120 99 532 — — 959 Total Residential mortgage $ 7,442 $ 4,906 $ 1,491 $ 943 $ 1,040 $ 3,264 $ — $ — $ 19,086 Automobile Credit Quality Indicator (2): 750+ $ 2,993 $ 1,927 $ 1,381 $ 666 $ 345 $ 129 $ — $ — $ 7,441 650-749 2,393 1,237 736 380 168 55 — — 4,969 <650 380 234 178 128 70 34 — — 1,024 Total Automobile $ 5,766 $ 3,398 $ 2,295 $ 1,174 $ 583 $ 218 $ — $ — $ 13,434 Home equity Credit Quality Indicator (2): 750+ $ 645 $ 701 $ 32 $ 31 $ 34 $ 387 $ 4,772 $ 272 $ 6,874 650-749 129 94 15 13 13 161 2,324 324 3,073 <650 3 2 2 1 1 67 361 165 602 Total Home equity $ 777 $ 797 $ 49 $ 45 $ 48 $ 615 $ 7,457 $ 761 $ 10,549 RV and marine Credit Quality Indicator (2): 750+ $ 1,257 $ 933 $ 470 $ 468 $ 268 $ 319 $ — $ — $ 3,715 650-749 393 273 171 157 106 150 — — 1,250 <650 6 11 13 18 18 27 — — 93 Total RV and marine $ 1,656 $ 1,217 $ 654 $ 643 $ 392 $ 496 $ — $ — $ 5,058 Other consumer Credit Quality Indicator (2): 750+ $ 211 $ 34 $ 50 $ 13 $ 10 $ 27 $ 326 $ 3 $ 674 650-749 88 52 50 23 17 41 295 24 590 <650 2 2 5 2 — 1 27 17 56 Total Other consumer $ 301 $ 88 $ 105 $ 38 $ 27 $ 69 $ 648 $ 44 $ 1,320 (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.
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, 2022 and 2021. New Troubled Debt Restructurings (1) Three Months Ended March 31, 2022 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 53 $ 11 $ 3 $ — $ — $ 14 Commercial real estate 1 — — — — — Residential mortgage 207 — 28 1 — 29 Automobile 625 — 4 1 — 5 Home equity 42 — 1 1 — 2 RV and marine 39 — 1 — — 1 Other consumer 30 — — — — — Total new TDRs 997 $ 11 $ 37 $ 3 $ — $ 51 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 Commercial real estate — — — — — — Residential mortgage 86 — 13 1 — 14 Automobile 902 — 7 1 — 8 Home equity 62 — 1 2 — 3 RV and marine 49 — 1 — — 1 Other consumer 97 — — — 1 1 Total new TDRs 1,208 $ — $ 27 $ 4 $ 1 $ 32 (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, 2022
Credit Loss [Abstract]
Allowance Roll-forward	Allowance for Credit Losses - Roll-forward The following tables present ACL activity by portfolio segment for the three-month periods ended March 31, 2022 and 2021. (dollar amounts in millions) Commercial Consumer Total Three-month period ended March 31, 2022: ALLL balance, beginning of period $ 1,462 $ 568 $ 2,030 Loan and lease charge-offs (31) (50) (81) Recoveries of loans and leases previously charged-off 40 22 62 Provision (benefit) for loan and lease losses 43 (36) 7 ALLL balance, end of period $ 1,514 $ 504 $ 2,018 AULC balance, beginning of period $ 41 $ 36 $ 77 Provision (benefit) for unfunded lending commitments 16 (2) 14 AULC balance, end of period $ 57 $ 34 $ 91 ACL balance, end of period $ 1,571 $ 538 $ 2,109 (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 and lease charge-offs (61) (34) (95) Recoveries of loans and leases 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 (benefit) for unfunded lending commitments (6) (7) (13) Unfunded lending commitment losses (1) — (1) AULC balance, end of period $ 27 $ 11 $ 38 ACL balance, end of period $ 1,224 $ 517 $ 1,741

MORTGAGE LOAN SALES AND SERVI_2

MORTGAGE LOAN SALES AND SERVICING RIGHTS (Tables)	3 Months Ended
	Mar. 31, 2022
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, 2022 and 2021: Three Months Ended (dollar amounts in millions) 2022 2021 Residential mortgage loans sold with servicing retained $ 1,934 $ 2,256 Pretax gains resulting from above loan sales (1) 59 93 (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, 2022 and 2021: Three Months Ended (dollar amounts in millions) 2022 2021 Fair value, beginning of period $ 351 $ 210 New servicing assets created 29 33 Change in fair value during the period due to: Time decay (1) (5) (3) Payoffs (2) (10) (17) Changes in valuation inputs or assumptions (3) 51 51 Fair value, end of period $ 416 $ 274 Weighted-average life (years) 7.5 7.0 (1) Represents decrease in value due to passage of time, including the impact from both regularly scheduled principal payments and partial loan paydowns. (2) Represents decrease in value associated with loans that paid off during the period. (3) Represents change in value resulting primarily from market-driven changes in interest rates.
Summary of key assumptions and the sensitivity of the servicing rights value to changes in the assumptions	A summary of key assumptions and the sensitivity of the MSR value to changes in these assumptions at March 31, 2022, and December 31, 2021 follows: March 31, 2022 December 31, 2021 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) 9.30 % $ (14) $ (28) 12.28 % $ (17) $ (32) Spread over forward interest rate swap rates 504 bps (8) (17) 466 bps (7) (13)

BORROWINGS (Tables)

BORROWINGS (Tables)	3 Months Ended
	Mar. 31, 2022
Debt Disclosure [Abstract]
Schedule of Short-term Debt	Borrowings with original maturities of one year or less are classified as short-term and were comprised of the following at March 31, 2022 and December 31, 2021, respectively: (dollar amounts in millions) March 31, December 31, Federal funds purchased and securities sold under agreements to repurchase $ 392 $ 320 Other borrowings 260 14 Total short-term borrowings $ 652 $ 334
Schedule of Long-term Debt Instruments	Huntington’s long-term debt consisted of the following at March 31, 2022 and December 31, 2021, respectively: (dollar amounts in millions) March 31, December 31, The Parent Company: Senior Notes $ 2,013 $ 2,083 Subordinated Notes 1,017 1,028 Total notes issued by the parent 3,030 3,111 The Bank: Senior Notes 1,930 2,434 Subordinated Notes 792 811 Total notes issued by the bank 2,722 3,245 FHLB Advances 214 215 Other 542 537 Total long-term debt $ 6,508 $ 7,108

OTHER COMPREHENSIVE INCOME (Tab

OTHER COMPREHENSIVE INCOME (Tables)	3 Months Ended
	Mar. 31, 2022
Equity [Abstract]
Components of other comprehensive income	The components of Huntington’s OCI for the three-month periods ended March 31, 2022 and 2021, were as follows: (dollar amounts in millions) Pretax Tax (Expense) benefit After-tax Three Months Ended March 31, 2022 Unrealized losses on available-for-sale securities arising during the period $ (1,540) $ 354 $ (1,186) Reclassification adjustment for realized net losses included in net income 9 (2) 7 Total unrealized losses on available-for-sale securities (1,531) 352 (1,179) Net impact of fair value hedges on available-for-sale securities 431 (99) 332 Change in fair value related to cash flow hedges (310) 70 (240) Foreign currency translation adjustment (1) 2 — 2 Net unrealized gains (losses) on net investment hedges (2) — (2) Translation adjustments, net of hedges (1) — — — Change in accumulated unrealized gains for pension and other post retirement obligations 3 (1) 2 Other comprehensive (loss) income $ (1,407) $ 322 $ (1,085) Three Months Ended March 31, 2021 Unrealized losses on available-for-sale securities arising during the period $ (287) $ 64 $ (223) Reclassification adjustment for realized net losses included in net income 9 (2) 7 Total unrealized losses on available-for-sale securities (278) 62 (216) Net impact of fair value hedges on available-for-sale securities 44 (10) 34 Change in fair value related to cash flow hedges (88) 20 (68) Change in accumulated unrealized gains for pension and other post retirement obligations 3 (1) 2 Other comprehensive (loss) income $ (319) $ 71 $ (248) (1) Foreign investments are deemed to be permanent in nature and, therefore, Huntington does not provide for taxes on foreign currency translation adjustments.
Activity in accumulated other comprehensive income, net of tax	Activity in accumulated OCI for the three-month periods ended March 31, 2022 and 2021, were as follows: (dollar amounts in millions) Unrealized gains (losses) on available-for-sale securities (1) Net impact of fair value hedges on available-for-sale securities Change in fair value related to cash flow hedges Translation adjustments, net of hedges Unrealized gains (losses) for pension and other post- retirement obligations (2) Total Three Months Ended March 31, 2022 Balance, beginning of period $ (153) $ 89 $ 63 $ (3) $ (225) $ (229) Other comprehensive income (loss) before reclassifications (1,186) 332 (240) — — $ (1,094) Amounts reclassified from accumulated OCI to earnings 7 — — — 2 9 Period change (1,179) 332 (240) — 2 (1,085) Balance, end of period $ (1,332) $ 421 $ (177) $ (3) $ (223) $ (1,314) Three Months Ended March 31, 2021 Balance, beginning of period $ 188 $ 2 $ 255 $ — $ (253) $ 192 Other comprehensive income (loss) before reclassifications (223) 34 (68) — — (257) Amounts reclassified from accumulated OCI to earnings 7 — — — 2 9 Period change (216) 34 (68) — 2 (248) Balance, end of period $ (28) $ 36 $ 187 $ — $ (251) $ (56) (1) AOCI amounts at March 31, 2022 and March 31, 2021 include $78 million and $46 million, respectively, of net unrealized losses (after-tax) on securities transferred from the available-for-sale securities portfolio to the held-to-maturity securities portfolio. The net unrealized losses will be recognized in earnings over the remaining life of the security using the effective interest method.

SHAREHOLDERS' EQUITY (Tables)

SHAREHOLDERS' EQUITY (Tables)	3 Months Ended
	Mar. 31, 2022
Equity [Abstract]
Schedule of Stock	The following is a summary of Huntington’s non-cumulative, non-voting, perpetual preferred stock outstanding. (dollar amounts in millions) Carrying Amount Series Issuance Date Shares Outstanding Dividend Rate Earliest Redemption Date (1) March 31, December 31, 2021 Series B (2) 12/28/2011 35,500 3-mo. LIBOR + 270 bps 1/15/2017 $ 23 $ 23 Series E (3) 2/27/2018 5,000 5.70 4/15/2023 495 495 Series F (3) 5/27/2020 5,000 5.625 7/15/2030 494 494 Series G (3) 8/3/2020 5,000 4.45 10/15/2027 494 494 Series H (2) 2/2/2021 500,000 4.50 4/15/2026 486 486 Series I (3) 6/9/2021 7,000 5.70 12/01/2022 175 175 Total 557,500 $ 2,167 $ 2,167 (1) Denotes earliest option redemption date. Earlier redemption is solely at Huntington’s option, subject to prior approval of FRB. (2) Series B and H of preferred stock have a liquidation value and redemption price per share of $1,000, plus any declared and unpaid dividends. (3) Series E, F, G and I preferred stock have a liquidation value and redemption price per share of $100,000, plus any declared and unpaid dividends. The following table presents the dividends declared for each series of Preferred shares for the three-month periods ended March 31, 2022 and 2021: Three Months Ended March 31, (amounts in millions, except per share data) 2022 2021 Cash Dividend Declared Per Share Cash Dividend Declared Per Share Preferred Series Amount ($) Amount ($) Series B $ 9.36 $ — $ 7.35 $ — Series C — — 14.69 (2) Series D — — 15.63 (9) Series E 1,425.00 (7) 1,425.00 (7) Series F 1,406.25 (7) 1,406.25 (7) Series G 1,112.50 (6) 1,112.50 (6) Series H 11.25 (6) — — Series I 356.25 (2) — — Total $ (28) $ (31)

EARNINGS PER SHARE (Tables)

EARNINGS PER SHARE (Tables)	3 Months Ended
	Mar. 31, 2022
Earnings Per Share [Abstract]
Basic and diluted earnings per share	The calculation of basic and diluted earnings per share for the three-month periods ended March 31, 2022 and 2021 was as follows: Three Months Ended (dollar amounts in millions, except per share data, share count in thousands) 2022 2021 Basic earnings per common share: Net income attributable to Huntington Bancshares Inc $ 460 $ 532 Preferred stock dividends 28 31 Net income available to common shareholders $ 432 $ 501 Average common shares issued and outstanding 1,438,427 1,017,512 Basic earnings per common share $ 0.30 $ 0.49 Diluted earnings per common share: Dilutive potential common shares: Stock options and restricted stock units and awards 19,629 18,397 Shares held in deferred compensation plans 6,271 5,094 Dilutive potential common shares 25,900 23,491 Total diluted average common shares issued and outstanding 1,464,327 1,041,003 Diluted earnings per common share $ 0.29 $ 0.48 Anti-dilutive awards (1) 2,148 1,666 (1) Reflects the total number of shares related to outstanding options and awards 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, 2022
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 2022 2021 Noninterest income from contracts with customers $ 308 $ 222 Noninterest income within the scope of other GAAP topics 191 173 Total noninterest income $ 499 $ 395 The following table illustrates the disaggregation by operating segment and major revenue stream and reconciles disaggregated revenue to segment revenue presented in Note 16 “ Segment Reporting ”. Three Months Ended March 31, 2022 (dollar amounts in millions) Commercial Banking Consumer & Business Banking Vehicle Finance RBHPCG Treasury / Other Huntington Consolidated Major Revenue Streams Card and payment processing income $ 23 $ 71 $ 2 $ 1 $ — $ 97 Mortgage banking income 6 74 — — — 80 Trust and investment management services — 18 — 47 — 65 Insurance income 2 12 — 16 1 31 Other noninterest income 25 8 — 1 1 35 Net revenue from contracts with customers $ 56 $ 183 $ 2 $ 65 $ 2 $ 308 Noninterest income within the scope of other GAAP topics 85 89 1 1 15 191 Total noninterest income $ 141 $ 272 $ 3 $ 66 $ 17 $ 499 Three Months Ended March 31, 2021 (dollar amounts in millions) Commercial Banking Consumer & Business Banking Vehicle Finance RBHPCG Treasury / Other Huntington Consolidated Major Revenue Streams Card and payment processing income $ 19 $ 48 $ 2 $ — $ — $ 69 Mortgage banking income 4 58 — — — 62 Trust and investment management services 1 13 — 38 — 52 Insurance income 2 12 — 13 — 27 Other noninterest income 2 6 1 1 2 12 Net revenue from contracts with customers $ 28 $ 137 $ 3 $ 52 $ 2 $ 222 Noninterest income within the scope of other GAAP topics 60 99 — 1 13 173 Total noninterest income $ 88 $ 236 $ 3 $ 53 $ 15 $ 395

FAIR VALUES OF ASSETS AND LIA_2

FAIR VALUES OF ASSETS AND LIABILITIES (Tables)	3 Months Ended
	Mar. 31, 2022
Fair Value Disclosures [Abstract]
Assets and liabilities measured at fair value on a recurring basis	Assets and Liabilities measured at fair value on a recurring basis Fair Value Measurements at Reporting Date Using Netting Adjustments (1) March 31, 2022 (dollar amounts in millions) Level 1 Level 2 Level 3 Assets Trading account securities: Municipal securities $ — $ 74 $ — $ — $ 74 Available-for-sale securities: U.S. Treasury securities 5 — — — 5 Residential CMOs — 2,916 — — 2,916 Residential MBS — 13,901 — — 13,901 Commercial MBS — 1,850 — — 1,850 Other agencies — 225 — — 225 Municipal securities — 47 3,282 — 3,329 Private-label CMO — 126 19 — 145 Asset-backed securities — 334 62 — 396 Corporate debt — 2,381 — — 2,381 Other securities/sovereign debt — 4 — — 4 Total available-for-sale securities 5 21,784 3,363 — 25,152 Other securities 60 6 — — 66 Loans held for sale — 835 — — 835 Loans held for investment — 154 18 — 172 MSRs — — 416 — 416 Other assets: Derivative assets — 1,557 3 (859) 701 Assets held in trust for deferred compensation plans 140 — — — 140 Liabilities Derivative liabilities — 1,216 13 (684) 545 Fair Value Measurements at Reporting Date Using Netting Adjustments (1) December 31, 2021 (dollar amounts in millions) Level 1 Level 2 Level 3 Assets Trading account securities: Municipal securities $ — $ 46 $ — $ — $ 46 Available-for-sale securities: U.S. Treasury securities 5 — — — 5 Residential CMOs — 4,649 — — 4,649 Residential MBS — 15,508 — — 15,508 Commercial MBS — 1,865 — — 1,865 Other agencies — 248 — — 248 Municipal securities — 49 3,477 — 3,526 Private-label CMO — 86 20 — 106 Asset-backed securities — 312 70 — 382 Corporate debt — 2,167 — — 2,167 Other securities/sovereign debt — 4 — — 4 Total available-for-sale securities 5 24,888 3,567 — 28,460 Other securities 65 7 — — 72 Loans held for sale — 1,270 — — 1,270 Loans held for investment — 152 19 — 171 MSRs — — 351 — 351 Other assets: Derivative assets — 1,055 10 (465) 600 Assets held in trust for deferred compensation plans 156 — — — 156 Liabilities Derivative liabilities — 737 6 (624) 119 (1) Amounts represent the impact of legally enforceable master netting agreements that allow the Company to settle positive and negative positions and cash collateral held or placed with the same counterparties.
Rollforward of financial instruments measured on a recurring basis and classified as Level 3	The following tables present a rollforward of the balance sheet amounts measured at fair value on a recurring basis and classified as Level 3. The classification of an item as Level 3 is based on the significance of the unobservable inputs to the overall fair value measurement. However, Level 3 measurements may also include observable components of value that can be validated externally. Accordingly, the gains and losses in the table below include changes in fair value due in part to observable factors that are part of the valuation methodology. Level 3 Fair Value Measurements Available-for-sale securities Loans held for investment (dollar amounts in millions) MSRs Derivative instruments Municipal securities Private- Asset-backed securities Three Months Ended March 31, 2022 Opening balance $ 351 $ 4 $ 3,477 $ 20 $ 70 $ 19 Transfers out of Level 3 (1) — (7) — — — — Total gains/losses for the period: Included in earnings: Mortgage banking income 51 (7) — — — — Interest and fee income — — (2) (1) — — Provision for credit losses — — (4) — — — Included in OCI — — (120) — (1) — Purchases/originations 29 — 172 — — — Sales — — — — — — Repayments — — — — — (1) Settlements (15) — (241) — (7) — Closing balance $ 416 $ (10) $ 3,282 $ 19 $ 62 $ 18 Change in unrealized gains or losses for the period included in earnings for assets held at end of the reporting date $ 51 $ (16) $ — $ — $ — $ — Change in unrealized gains or losses for the period included in other comprehensive income for assets held at the end of the reporting period — — (118) — (1) — Three Months Ended March 31, 2021 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: Mortgage banking income 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) — — — (1) Transfers out of Level 3 represent the settlement value of the derivative instruments (i.e. interest rate lock agreements) that are transferred to loans held for sale, which is classified as Level 2.
Assets and liabilities under the fair value option	The following tables present the fair value and aggregate principal balance of certain assets and liabilities under the fair value option: (dollar amounts in millions) Total Loans Loans that are 90 or more days past due Fair value carrying amount Aggregate unpaid principal Difference Fair value carrying amount Aggregate unpaid principal Difference March 31, 2022 Assets Loans held for sale $ 835 $ 846 $ (11) $ — $ — $ — Loans held for investment 172 177 (5) 5 5 — December 31, 2021 Assets Loans held for sale $ 1,270 $ 1,237 $ 33 $ — $ — $ — Loans held for investment 171 177 (6) 4 4 — The following table presents the net gains (losses) from fair value changes. (dollar amounts in millions) Three Months Ended March 31, Assets 2022 2021 Loans held for sale (1) $ (44) $ (34) Loans held for investment 1 — (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 were as follows: Fair Value Measurements Using Significant Other Unobservable Inputs (Level 3) Total Gains (Losses) Three Months Ended March 31, (dollar amounts in millions) March 31, 2022 December 31, 2021 2022 2021 Collateral-dependent loans $ 17 $ 39 $ (1) $ (1)
Quantitative information about significant unobservable level 3 fair value measurement inputs	The table below presents quantitative information about the significant unobservable inputs for assets and liabilities measured at fair value on a recurring and nonrecurring basis: Quantitative Information about Level 3 Fair Value Measurements At March 31, 2022 (1) At December 31, 2021 (1) (dollar amounts in millions) Valuation Technique Significant Unobservable Input Range Weighted Average Range Weighted Average Measured at fair value on a recurring basis: MSRs Discounted cash flow Constant prepayment rate 6 % - 26% 9 % 8 % —% 23 % 12 % Spread over forward interest rate swap rates 4 % - 11% 5 % 3 % —% 11 % 5 % Derivative assets Consensus Pricing Net market price (11) % - 6% (2) % (4) % —% 8 % 1 % Estimated pull through % 10 % - 100% 91 % 6 % —% 100 % 92 % Municipal securities Discounted cash flow Discount rate 1 % - 3% 3 % — % —% 2 % 1 % Asset-backed securities Cumulative default — % - 64% 5 % — % —% 64 % 5 % Loss given default 5 % - 60% 24 % 5 % —% 80 % 23 % (1) Certain disclosures related to quantitative level 3 fair value measurements do not include those deemed to be immaterial.
Carrying amounts and estimated fair values of financial instruments	The following table provides the carrying amounts and estimated fair values of Huntington’s financial instruments: (dollar amounts in millions) Amortized Cost Lower of Cost or Market Fair Value or Fair Value Option Total Carrying Amount Estimated Fair Value March 31, 2022 Financial Assets Cash and short-term assets $ 4,622 $ — $ — $ 4,622 $ 4,622 Trading account securities — — 74 74 74 Available-for-sale securities — — 25,152 25,152 25,152 Held-to-maturity securities 17,190 — — 17,190 16,413 Other securities 990 — 66 1,056 1,056 Loans held for sale — 235 835 1,070 1,069 Net loans and leases (1) 110,627 — 172 110,799 109,138 Derivative assets — — 701 701 701 Assets held in trust for deferred compensation plans — — 140 140 140 Financial Liabilities Deposits 146,965 — — 146,965 147,313 Short-term borrowings 652 — — 652 652 Long-term debt 6,508 — — 6,508 6,799 Derivative liabilities — — 545 545 545 December 31, 2021 Financial Assets Cash and short-term assets $ 5,914 $ — $ — $ 5,914 $ 5,914 Trading account securities — — 46 46 46 Available-for-sale securities — — 28,460 28,460 28,460 Held-to-maturity securities 12,447 — — 12,447 12,489 Other securities 576 — 72 648 648 Loans held for sale — 406 1,270 1,676 1,621 Net loans and leases (1) 109,066 — 171 109,237 109,695 Derivative assets — — 600 600 600 Assets held in trust for deferred compensation plans — — 156 156 156 Financial Liabilities Deposits 143,263 — — 143,263 143,574 Short-term borrowings 334 — — 334 334 Long-term debt 7,108 — — 7,108 7,319 Derivative liabilities — — 119 119 119 (1) Includes collateral-dependent loans. The following table presents the level in the fair value hierarchy for the estimated fair values at March 31, 2022 and December 31, 2021: Estimated Fair Value Measurements at Reporting Date Using Netting Adjustments (1) Presented Balance (dollar amounts in millions) Level 1 Level 2 Level 3 March 31, 2022 Financial Assets Trading account securities $ — $ 74 $ — $ 74 Available-for-sale securities 5 21,784 3,363 25,152 Held-to-maturity securities — 16,413 — 16,413 Other securities (2) 60 6 — 66 Loans held for sale — 835 234 1,069 Net loans and leases — 154 108,984 109,138 Derivative assets — 1,557 3 $ (859) 701 Financial Liabilities Deposits — 143,324 3,989 147,313 Short-term borrowings — 652 — 652 Long-term debt — 5,933 866 6,799 Derivative liabilities — 1,216 13 (684) 545 December 31, 2021 Financial Assets Trading account securities $ — $ 46 $ — $ 46 Available-for-sale securities 5 24,888 3,567 28,460 Held-to-maturity securities — 12,489 — 12,489 Other securities (2) 65 7 — 72 Loans held for sale — 1,270 351 1,621 Net loans and leases — 152 109,543 109,695 Derivative assets — 1,055 10 $ (465) 600 Financial Liabilities Deposits — 139,047 4,527 143,574 Short-term borrowings — 334 — 334 Long-term debt — 6,441 878 7,319 Derivative liabilities — 737 6 (624) 119 (1) Amounts represent the impact of legally enforceable master netting agreements that allow the Company to settle positive and negative positions and cash collateral held or placed with the same counterparties. (2) Excludes securities without readily determinable fair values.

DERIVATIVE FINANCIAL INSTRUME_2

DERIVATIVE FINANCIAL INSTRUMENTS (Tables)	3 Months Ended
	Mar. 31, 2022
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Asset and liability derivatives included in accrued income and other assets	The following table presents the fair values and notional values of all derivative instruments included in the Unaudited Condensed Consolidated Balance Sheets at March 31, 2022 and December 31, 2021. Amounts in the table below are presented gross without the impact of any net collateral arrangements. March 31, 2022 December 31, 2021 (dollar amounts in millions) Notional Value Asset Liability Notional Value Asset Liability Derivatives designated as Hedging Instruments Interest rate contracts $ 25,686 $ 574 $ 309 $ 21,306 $ 258 $ 32 Foreign exchange contracts 205 5 — 210 1 — Derivatives not designated as Hedging Instruments Interest rate contracts 43,554 598 538 45,286 587 498 Foreign exchange contracts 3,661 40 43 3,524 29 31 Commodities contracts 978 335 336 1,077 178 177 Equity contracts 685 8 3 685 12 5 Total Contracts $ 74,769 $ 1,560 $ 1,229 $ 72,088 $ 1,065 $ 743
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, 2022 and 2021, 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) 2022 2021 Interest rate contracts: Customer Capital markets fees $ 10 $ 12 Mortgage banking Mortgage banking income (47) (6) 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 10 6 Commodities contracts Capital markets fees 1 — Equity contracts Other noninterest expense 1 (7) Total $ (25) $ 147
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, 2022 and December 31, 2021, identified by the underlying interest rate-sensitive instruments. March 31, 2022 (dollar amounts in millions) Fair Value Hedges Cash Flow Hedges Economic Hedges Total Instruments associated with: Investment securities $ 9,481 $ — $ — $ 9,481 Loans — 12,925 271 13,196 Long-term debt 3,280 — — 3,280 Total notional value at March 31, 2022 $ 12,761 $ 12,925 $ 271 $ 25,957 December 31, 2021 (dollar amounts in millions) Fair Value Hedges Cash Flow Hedges Economic Hedges Total Instruments associated with: Investment securities $ 8,228 $ — $ — $ 8,228 Loans — 11,150 271 11,421 Long-term debt 1,928 — — 1,928 Total notional value at December 31, 2021 $ 10,156 $ 11,150 $ 271 $ 21,577
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, 2022 and 2021. Three Months Ended (dollar amounts in millions) 2022 2021 Interest rate contracts Change in fair value of interest rate swaps hedging investment securities (1) $ 418 $ 43 Change in fair value of hedged investment securities (1) (430) (44) Change in fair value of interest rate swaps hedging long-term debt (2) (98) (50) Change in fair value of hedged long term debt (2) 98 52 (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, 2022, and December 31, 2021, 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, 2022 December 31, 2021 March 31, 2022 December 31, 2021 Assets Investment securities (1) $ 18,364 $ 17,150 $ (547) $ (117) Liabilities Long-term debt (2) 3,237 1,981 (54) 45 (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, 2022, the amortized cost basis of the closed portfolios used in these hedging relationships was $16.5 billion, the cumulative basis adjustments associated with these hedging relationships was $478 million, and the amounts of the designated hedging instruments were $8.6 billion. (2) Excluded from the above table are the cumulative amount of fair value hedge adjustments remaining for long-term debt for which hedge accounting has been discontinued in the amounts of $12 million at March 31, 2022 and $17 million at December 31, 2021.
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, 2022 and December 31, 2021. 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, 2022 $ 1,560 $ (859) $ 701 $ (59) $ (149) $ 493 December 31, 2021 1,065 (465) 600 (65) (31) 504
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 $ 1,050 $ 1,330 Trading assets — 19 Trading liabilities (24) — Three Months Ended (dollar amounts in millions) 2022 2021 Trading gains $ (47) $ (46)
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, 2022 $ 1,229 $ (684) $ 545 $ (82) $ (17) $ 446 December 31, 2021 743 (624) 119 (3) (116) —

VIEs (Tables)

VIEs (Tables)	3 Months Ended
	Mar. 31, 2022
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, 2022, and December 31, 2021: March 31, 2022 (dollar amounts in millions) Total Assets Total Liabilities Maximum Exposure to Loss Affordable Housing Tax Credit Partnerships $ 1,672 $ 960 $ 1,672 Trust Preferred Securities 8 179 — Other Investments 531 167 531 Total $ 2,211 $ 1,306 $ 2,203 December 31, 2021 (dollar amounts in millions) Total Assets Total Liabilities Maximum Exposure to Loss Affordable Housing Tax Credit Partnerships $ 1,652 $ 949 $ 1,652 Trust Preferred Securities 14 248 — Other Investments 484 146 484 Total $ 2,150 $ 1,343 $ 2,136
Schedule of trust preferred securities	A list of trust preferred securities outstanding at March 31, 2022 follows: (dollar amounts in millions) Rate Principal amount of subordinated note/ debenture issued to trust (1) Investment in unconsolidated subsidiary Huntington Capital II 1.59 (2) 32 3 Sky Financial Capital Trust III 2.37 (3) 72 2 Sky Financial Capital Trust IV 2.37 (3) 75 3 Total $ 179 $ 8 (1) Represents the principal amount of debentures issued to each trust, including unamortized original issue discount. (2) Variable effective rate at March 31, 2022, based on three-month LIBOR +0.625%. (3) Variable effective rate at March 31, 2022, based on three-month LIBOR +1.40%.
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, 2022 and December 31, 2021. (dollar amounts in millions) March 31, December 31, Affordable housing tax credit investments $ 2,425 $ 2,376 Less: amortization (753) (724) Net affordable housing tax credit investments $ 1,672 $ 1,652 Unfunded commitments $ 960 $ 949 The following table presents other information relating to Huntington’s affordable housing tax credit investments for the three-month periods ended March 31, 2022 and 2021. Three Months Ended (dollar amounts in millions) 2022 2021 Tax credits and other tax benefits recognized $ 53 $ 33 Proportional amortization expense included in provision for income taxes 41 28

COMMITMENTS AND CONTINGENT LI_2

COMMITMENTS AND CONTINGENT LIABILITIES (Tables)	3 Months Ended
	Mar. 31, 2022
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, 2022 and December 31, 2021, were as follows: (dollar amounts in millions) March 31, December 31, Contract amount representing credit risk Commitments to extend credit: Commercial $ 28,070 $ 27,933 Consumer 19,659 18,513 Commercial real estate 3,078 3,042 Standby letters of credit and guarantees on industrial revenue bonds 695 694 Commercial letters of credit 58 36

SEGMENT REPORTING (Tables)

SEGMENT REPORTING (Tables)	3 Months Ended
	Mar. 31, 2022
Segment Reporting [Abstract]
Schedule of Segment Reporting Information, by Segment	Listed in the following tables is certain operating basis financial information reconciled to Huntington’s March 31, 2022, December 31, 2021, and March 31, 2021, reported results by business segment. Three Months Ended March 31, Income Statements Commercial Banking Consumer & Business Banking Vehicle Finance RBHPCG Treasury / Other Huntington Consolidated (dollar amounts in millions) 2022 Net interest income $ 418 $ 459 $ 120 $ 49 $ 100 $ 1,146 Provision for credit losses 131 (109) (7) 10 — 25 Noninterest income 141 272 3 66 17 499 Noninterest expense 248 612 45 81 67 1,053 Provision (benefit) for income taxes 38 47 18 5 (3) 105 Income attributable to non-controlling interest 2 — — — — 2 Net income (loss) attributable to Huntington Bancshares Inc $ 140 $ 181 $ 67 $ 19 $ 53 $ 460 2021 Net interest income $ 199 $ 337 $ 107 $ 34 $ 295 $ 972 Provision for credit losses 5 (36) (22) (7) — (60) Noninterest income 88 236 3 53 15 395 Noninterest expense 133 469 35 62 94 793 Provision (benefit) for income taxes 31 29 21 7 14 102 Net income attributable to Huntington Bancshares Inc $ 118 $ 111 $ 76 $ 25 $ 202 $ 532
Segment Disclosure of Assets and Deposits	Assets at Deposits at (dollar amounts in millions) March 31, December 31, March 31, December 31, Commercial Banking $ 58,625 $ 57,071 $ 35,034 $ 31,845 Consumer & Business Banking 39,351 39,929 96,907 95,352 Vehicle Finance 21,134 20,752 1,323 1,401 RBHPCG 8,744 8,325 9,672 10,162 Treasury / Other 49,002 47,987 4,029 4,503 Total $ 176,856 $ 174,064 $ 146,965 $ 143,263

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, 2022	Dec. 31, 2021
Available-for-sale securities:
Available-for-sale securities, Amortized cost	$ 26,232,000,000	$ 28,506,000,000
Available-for-sale securities, Gross Gains	562,000,000	269,000,000
Available-for-sale securities, Gross Losses	(1,642,000,000)	(315,000,000)
Available-for-sale securities	25,152,000,000	28,460,000,000
Held-to-maturity securities:
Held-to-maturity securities	17,190,000,000	12,447,000,000
Held-to-maturity securities, Gross Gains	5,000,000	126,000,000
Held-to-maturity securities, Gross Losses	(782,000,000)	(84,000,000)
Held-to-maturity securities, Fair Value	16,413,000,000	12,489,000,000
Other securities, Amortized Cost	1,056,000,000	647,000,000
Other securities, Gross Gains	0	1,000,000
Other securities, Gross Losses	0	0
Other securities, Fair Value	1,056,000,000	648,000,000
Available-for-sale Securities
Held-to-maturity securities:
Accrued interest receivable	67,000,000	62,000,000
Held-to-maturity Securities
Held-to-maturity securities:
Accrued interest receivable	37,000,000	26,000,000
U.S. Treasury
Available-for-sale securities:
Available-for-sale securities, Amortized cost	5,000,000	5,000,000
Available-for-sale securities, Gross Gains	0	0
Available-for-sale securities, Gross Losses	0	0
Available-for-sale securities	5,000,000	5,000,000
Residential CMO
Available-for-sale securities:
Available-for-sale securities, Amortized cost	2,994,000,000	4,649,000,000
Available-for-sale securities, Gross Gains	49,000,000	40,000,000
Available-for-sale securities, Gross Losses	(127,000,000)	(40,000,000)
Available-for-sale securities	2,916,000,000	4,649,000,000
Held-to-maturity securities:
Held-to-maturity securities	5,081,000,000	2,602,000,000
Held-to-maturity securities, Gross Gains	0	35,000,000
Held-to-maturity securities, Gross Losses	(221,000,000)	(20,000,000)
Held-to-maturity securities, Fair Value	4,860,000,000	2,617,000,000
Residential MBS
Available-for-sale securities:
Available-for-sale securities, Amortized cost	14,427,000,000	15,533,000,000
Available-for-sale securities, Gross Gains	435,000,000	135,000,000
Available-for-sale securities, Gross Losses	(961,000,000)	(160,000,000)
Available-for-sale securities	13,901,000,000	15,508,000,000
Held-to-maturity securities:
Held-to-maturity securities	10,009,000,000	7,475,000,000
Held-to-maturity securities, Gross Gains	4,000,000	41,000,000
Held-to-maturity securities, Gross Losses	(495,000,000)	(59,000,000)
Held-to-maturity securities, Fair Value	9,518,000,000	7,457,000,000
Commercial MBS
Available-for-sale securities:
Available-for-sale securities, Amortized cost	2,073,000,000	1,896,000,000
Available-for-sale securities, Gross Gains	0	7,000,000
Available-for-sale securities, Gross Losses	(223,000,000)	(38,000,000)
Available-for-sale securities	1,850,000,000	1,865,000,000
Held-to-maturity securities:
Held-to-maturity securities	1,922,000,000	2,175,000,000
Held-to-maturity securities, Gross Gains	1,000,000	45,000,000
Held-to-maturity securities, Gross Losses	(62,000,000)	(5,000,000)
Held-to-maturity securities, Fair Value	1,861,000,000	2,215,000,000
Other agencies
Available-for-sale securities:
Available-for-sale securities, Amortized cost	229,000,000	248,000,000
Available-for-sale securities, Gross Gains	1,000,000	1,000,000
Available-for-sale securities, Gross Losses	(5,000,000)	(1,000,000)
Available-for-sale securities	225,000,000	248,000,000
Held-to-maturity securities:
Held-to-maturity securities	176,000,000	193,000,000
Held-to-maturity securities, Gross Gains	0	5,000,000
Held-to-maturity securities, Gross Losses	(4,000,000)	0
Held-to-maturity securities, Fair Value	172,000,000	198,000,000
Total U.S. Treasury, federal agency and other agency securities
Available-for-sale securities:
Available-for-sale securities, Amortized cost	19,728,000,000	22,331,000,000
Available-for-sale securities, Gross Gains	485,000,000	183,000,000
Available-for-sale securities, Gross Losses	(1,316,000,000)	(239,000,000)
Available-for-sale securities	18,897,000,000	22,275,000,000
Held-to-maturity securities:
Held-to-maturity securities	17,188,000,000	12,445,000,000
Held-to-maturity securities, Gross Gains	5,000,000	126,000,000
Held-to-maturity securities, Gross Losses	(782,000,000)	(84,000,000)
Held-to-maturity securities, Fair Value	16,411,000,000	12,487,000,000
Municipal securities
Available-for-sale securities:
Available-for-sale securities, Amortized cost	3,422,000,000	3,497,000,000
Available-for-sale securities, Gross Gains	7,000,000	62,000,000
Available-for-sale securities, Gross Losses	(100,000,000)	(33,000,000)
Available-for-sale securities	3,329,000,000	3,526,000,000
Held-to-maturity securities:
Held-to-maturity securities	2,000,000	2,000,000
Held-to-maturity securities, Gross Gains	0	0
Held-to-maturity securities, Gross Losses	0	0
Held-to-maturity securities, Fair Value	2,000,000	2,000,000
Private-label CMO
Available-for-sale securities:
Available-for-sale securities, Amortized cost	148,000,000	106,000,000
Available-for-sale securities, Gross Gains	0	1,000,000
Available-for-sale securities, Gross Losses	(3,000,000)	(1,000,000)
Available-for-sale securities	145,000,000	106,000,000
Asset-backed securities
Available-for-sale securities:
Available-for-sale securities, Amortized cost	415,000,000	385,000,000
Available-for-sale securities, Gross Gains	0	1,000,000
Available-for-sale securities, Gross Losses	(19,000,000)	(4,000,000)
Available-for-sale securities	396,000,000	382,000,000
Corporate debt
Available-for-sale securities:
Available-for-sale securities, Amortized cost	2,515,000,000	2,183,000,000
Available-for-sale securities, Gross Gains	70,000,000	22,000,000
Available-for-sale securities, Gross Losses	(204,000,000)	(38,000,000)
Available-for-sale securities	2,381,000,000	2,167,000,000
Other securities/Sovereign debt
Available-for-sale securities:
Available-for-sale securities, Amortized cost	4,000,000	4,000,000
Available-for-sale securities, Gross Gains	0	0
Available-for-sale securities, Gross Losses	0	0
Available-for-sale securities	4,000,000	4,000,000
Equity securities
Held-to-maturity securities:
Other securities, Amortized Cost	12,000,000	12,000,000
Other securities, Gross Gains	0	0
Other securities, Gross Losses	0	0
Other securities, Fair Value	12,000,000	12,000,000
Mutual funds
Held-to-maturity securities:
Other securities, Amortized Cost	60,000,000	65,000,000
Other securities, Gross Gains	0	0
Other securities, Gross Losses	0	0
Other securities, Fair Value	60,000,000	65,000,000
Equity securities
Held-to-maturity securities:
Other securities, Amortized Cost	6,000,000	6,000,000
Other securities, Gross Gains	0	1,000,000
Other securities, Gross Losses	0	0
Other securities, Fair Value	6,000,000	7,000,000
Federal Home Loan Bank stock | Non-marketable equity securities:
Held-to-maturity securities:
Other securities, Amortized Cost	465,000,000	52,000,000
Other securities, Gross Gains	0	0
Other securities, Gross Losses	0	0
Other securities, Fair Value	465,000,000	52,000,000
Federal Reserve Bank stock | Non-marketable equity securities:
Held-to-maturity securities:
Other securities, Amortized Cost	513,000,000	512,000,000
Other securities, Gross Gains	0	0
Other securities, Gross Losses	0	0
Other securities, Fair Value	$ 513,000,000	$ 512,000,000

INVESTMENT SECURITIES AND OTH_4

INVESTMENT SECURITIES AND OTHER SECURITIES - Contractual Maturities (Details) - USD ($) $ in Millions	Mar. 31, 2022	Dec. 31, 2021
Available-for-sale securities, amortized cost:
Under 1 year	$ 379	$ 377
After 1 year through 5 years	2,103	1,888
After 5 years through 10 years	3,350	3,166
After 10 years	20,400	23,075
Total available-for-sale securities	26,232	28,506
Available-for-sale securities, fair value:
Under 1 year	377	374
After 1 year through 5 years	2,030	1,880
After 5 years through 10 years	3,205	3,180
After 10 years	19,540	23,026
Total available-for-sale securities	25,152	28,460
Held-to-maturity securities, amortized cost:
Under 1 year	2	2
After 1 year through 5 years	98	162
After 5 years through 10 years	44	44
After 10 years	17,046	12,239
Total held-to-maturity securities	17,190	12,447
Held-to-maturity securities, fair value:
Under 1 year	2	2
After 1 year through 5 years	97	164
After 5 years through 10 years	43	45
After 10 years	16,271	12,278
Total held-to-maturity securities	$ 16,413	$ 12,489

INVESTMENT SECURITIES AND OTH_5

INVESTMENT SECURITIES AND OTHER SECURITIES - Continuous Unrealized Loss Position (Details) - USD ($) $ in Millions	Mar. 31, 2022	Dec. 31, 2021
Available-for-sale securities:
Less than 12 months, fair value	$ 20,580	$ 20,747
Less than 12 months, gross unrealized losses	(1,296)	(304)
12 months or longer, fair value	3,087	319
12 months or longer, gross unrealized losses	(346)	(11)
Total, fair value	23,667	21,066
Total, gross unrealized losses	(1,642)	(315)
Held-to-maturity securities:
Less than 12 months, fair value	15,597	7,608
Less than 12 months, gross unrealized losses	(758)	(84)
12 months or longer, fair value	242	0
12 months or longer, gross unrealized losses	(24)	0
Total, fair value	15,839	7,608
Total, gross unrealized losses	(782)	(84)
Residential CMO
Available-for-sale securities:
Less than 12 months, fair value	2,254	2,925
Less than 12 months, gross unrealized losses	(115)	(40)
12 months or longer, fair value	100	0
12 months or longer, gross unrealized losses	(12)	0
Total, fair value	2,354	2,925
Total, gross unrealized losses	(127)	(40)
Held-to-maturity securities:
Less than 12 months, fair value	4,803	1,453
Less than 12 months, gross unrealized losses	(221)	(20)
12 months or longer, fair value	0	0
12 months or longer, gross unrealized losses	0	0
Total, fair value	4,803	1,453
Total, gross unrealized losses	(221)	(20)
Residential MBS
Available-for-sale securities:
Less than 12 months, fair value	11,723	13,491
Less than 12 months, gross unrealized losses	(754)	(160)
12 months or longer, fair value	2,020	0
12 months or longer, gross unrealized losses	(207)	0
Total, fair value	13,743	13,491
Total, gross unrealized losses	(961)	(160)
Held-to-maturity securities:
Less than 12 months, fair value	8,780	5,837
Less than 12 months, gross unrealized losses	(471)	(59)
12 months or longer, fair value	242	0
12 months or longer, gross unrealized losses	(24)	0
Total, fair value	9,022	5,837
Total, gross unrealized losses	(495)	(59)
Commercial MBS
Available-for-sale securities:
Less than 12 months, fair value	1,419	1,251
Less than 12 months, gross unrealized losses	(145)	(38)
12 months or longer, fair value	400	0
12 months or longer, gross unrealized losses	(78)	0
Total, fair value	1,819	1,251
Total, gross unrealized losses	(223)	(38)
Held-to-maturity securities:
Less than 12 months, fair value	1,841	318
Less than 12 months, gross unrealized losses	(62)	(5)
12 months or longer, fair value	0	0
12 months or longer, gross unrealized losses	0	0
Total, fair value	1,841	318
Total, gross unrealized losses	(62)	(5)
Other agencies
Available-for-sale securities:
Less than 12 months, fair value	158	140
Less than 12 months, gross unrealized losses	(5)	(1)
12 months or longer, fair value	0	0
12 months or longer, gross unrealized losses	0	0
Total, fair value	158	140
Total, gross unrealized losses	(5)	(1)
Held-to-maturity securities:
Less than 12 months, fair value	173
Less than 12 months, gross unrealized losses	(4)
12 months or longer, fair value	0
12 months or longer, gross unrealized losses	0
Total, fair value	173
Total, gross unrealized losses	(4)
Total U.S. Treasury, federal agency and other agency securities
Available-for-sale securities:
Less than 12 months, fair value	15,554	17,807
Less than 12 months, gross unrealized losses	(1,019)	(239)
12 months or longer, fair value	2,520	0
12 months or longer, gross unrealized losses	(297)	0
Total, fair value	18,074	17,807
Total, gross unrealized losses	(1,316)	(239)
Held-to-maturity securities:
Less than 12 months, fair value	15,597	7,608
Less than 12 months, gross unrealized losses	(758)	(84)
12 months or longer, fair value	242	0
12 months or longer, gross unrealized losses	(24)	0
Total, fair value	15,839	7,608
Total, gross unrealized losses	(782)	(84)
Municipal securities
Available-for-sale securities:
Less than 12 months, fair value	2,492	859
Less than 12 months, gross unrealized losses	(88)	(22)
12 months or longer, fair value	278	319
12 months or longer, gross unrealized losses	(12)	(11)
Total, fair value	2,770	1,178
Total, gross unrealized losses	(100)	(33)
Private-label CMO
Available-for-sale securities:
Less than 12 months, fair value	107	78
Less than 12 months, gross unrealized losses	(3)	(1)
12 months or longer, fair value	0	0
12 months or longer, gross unrealized losses	0	0
Total, fair value	107	78
Total, gross unrealized losses	(3)	(1)
Asset-backed securities
Available-for-sale securities:
Less than 12 months, fair value	332	237
Less than 12 months, gross unrealized losses	(17)	(4)
12 months or longer, fair value	24	0
12 months or longer, gross unrealized losses	(2)	0
Total, fair value	356	237
Total, gross unrealized losses	(19)	(4)
Corporate debt
Available-for-sale securities:
Less than 12 months, fair value	2,095	1,766
Less than 12 months, gross unrealized losses	(169)	(38)
12 months or longer, fair value	265	0
12 months or longer, gross unrealized losses	(35)	0
Total, fair value	2,360	1,766
Total, gross unrealized losses	$ (204)	$ (38)

INVESTMENT SECURITIES AND OTH_6

INVESTMENT SECURITIES AND OTHER SECURITIES - Narrative (Details) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021	Dec. 31, 2021
Investments, Debt and Equity Securities [Abstract]
Transfer of securities from available-for-sale to held-to-maturity	$ 4,225	$ 0
Unrealized gains attributed to transfer of securities	(58)
Pledged investment securities	30,300		$ 21,700
Impairment loss, AFS debt security	$ 4

LOANS _ LEASES - Narrative (Det

LOANS / LEASES - Narrative (Details) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021	Dec. 31, 2021
Accounts, Notes, Loans and Financing Receivable [Line Items]
Direct financing leases, interest income	$ 38	$ 24
FHLB borrowings and advances, collateral	$ 60,900		$ 61,100

LOANS _ LEASES - Loan and Lease

LOANS / LEASES - Loan and Lease Portfolio Composition (Details) - USD ($) $ in Millions		Mar. 31, 2022	Dec. 31, 2021	Mar. 31, 2021	Dec. 31, 2020
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases	[1]	$ 112,817	$ 111,267
Allowance for loan and lease losses		(2,018)	(2,030)	$ (1,703)	$ (1,814)
Net loans and leases		110,799	109,237
Loans and leases net discount		11	111
Commercial and industrial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		42,236	41,688
Commercial real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		15,391	14,961
Lease financing
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		4,978	5,000
Residential mortgage
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		19,942	19,256
Automobile
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		13,480	13,434
RV and marine
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		5,191	5,058
Other consumer
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		1,256	1,320
Commercial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		62,605	61,649
Allowance for loan and lease losses		(1,514)	(1,462)	(1,197)	(1,236)
Accrued interest receivable		142	148
Commercial | Commercial and industrial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		42,236	41,688
Commercial | Commercial real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		15,391	14,961
Commercial | Lease financing
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		4,978	5,000
Consumer
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		50,212	49,618
Allowance for loan and lease losses		(504)	(568)	$ (506)	$ (578)
Accrued interest receivable		147	150
Consumer | Residential mortgage
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		19,942	19,256
Consumer | Automobile
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		13,480	13,434
Consumer | Home equity
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		10,343	10,550
Consumer | RV and marine
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		5,191	5,058
Consumer | Other consumer
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		$ 1,256	$ 1,320
[1]	Amounts represent loans for which Huntington has elected the fair value option. See Note 12 “ Fair Values of Assets and Liabilities ”.

LOANS _ LEASES - Direct Financi

LOANS / LEASES - Direct Financing Leases (Details) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021	Dec. 31, 2021
Accounts, Notes, Loans and Financing Receivable [Line Items]
Carrying value of residual values guaranteed	$ 426		$ 473
Future lease rental payments due on sales-type and direct financing leases	4,600
Future lease rental payments due on sales-type and direct financing leases, year one	903
Future lease rental payments due on sales-type and direct financing leases, year two	898
Future lease rental payments due on sales-type and direct financing leases, year three	905
Future lease rental payments due on sales-type and direct financing leases, year four	782
Future lease rental payments due on sales-type and direct financing leases, year five	642
Future lease rental payments due on sales-type and direct financing leases, after year five	466
Direct financing leases, interest income	38	$ 24
Commercial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Lease payments receivable	4,596		4,620
Estimated residual value of leased assets	768		774
Gross investment in lease financing receivables	5,364		5,394
Deferred origination costs	37		36
Deferred fees, unearned income and other	(423)		(430)
Total lease financing receivables	$ 4,978		$ 5,000

LOANS AND LEASES - Nonaccrual L

LOANS AND LEASES - Nonaccrual Loans by Loan Class (Details) - USD ($) $ in Millions	Mar. 31, 2022	Dec. 31, 2021
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonaccrual loans and leases with no ACL	$ 148	$ 164
Total nonaccrual loans and leases	682	716
Commercial | Commercial and industrial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonaccrual loans and leases with no ACL	57	81
Total nonaccrual loans and leases	323	370
Commercial | Commercial real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonaccrual loans and leases with no ACL	82	80
Total nonaccrual loans and leases	114	104
Commercial | Lease financing
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonaccrual loans and leases with no ACL	9	3
Total nonaccrual loans and leases	38	48
Consumer | Residential mortgage
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonaccrual loans and leases with no ACL	0	0
Total nonaccrual loans and leases	117	111
Consumer | Automobile
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonaccrual loans and leases with no ACL	0	0
Total nonaccrual loans and leases	4	3
Consumer | Home equity
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonaccrual loans and leases with no ACL	0	0
Total nonaccrual loans and leases	84	79
Consumer | RV and marine
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonaccrual loans and leases with no ACL	0	0
Total nonaccrual loans and leases	$ 2	$ 1

LOANS AND LEASES - NALs Past Du

LOANS AND LEASES - NALs Past Due (Details) - USD ($) $ in Millions		Mar. 31, 2022	Dec. 31, 2021
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases	[1]	$ 112,817	$ 111,267
Loans Accounted for Under FVO		172	171
90 or more days past due and accruing		280	210
Total
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		1,080	1,072
30-59 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		397	425
60-89  Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		137	191
90 or  more days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		546	456
Current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		111,565	110,024
Commercial and industrial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		42,236	41,688
Loans Accounted for Under FVO		0	0
90 or more days past due and accruing		10	13
Commercial and industrial | Total
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		205	248
Commercial and industrial | 30-59 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		61	72
Commercial and industrial | 60-89  Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		19	69
Commercial and industrial | 90 or  more days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		125	107
Commercial and industrial | Current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		42,031	41,440
Commercial real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		15,391	14,961
Loans Accounted for Under FVO		0	0
90 or more days past due and accruing		0	0
Commercial real estate | Total
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		58	19
Commercial real estate | 30-59 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		34	9
Commercial real estate | 60-89  Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		15	1
Commercial real estate | 90 or  more days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		9	9
Commercial real estate | Current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		15,333	14,942
Lease financing
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		4,978	5,000
Loans Accounted for Under FVO		0	0
90 or more days past due and accruing		12	11
Lease financing | Total
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		74	69
Lease financing | 30-59 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		38	39
Lease financing | 60-89  Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		19	13
Lease financing | 90 or  more days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		17	17
Lease financing | Current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		4,904	4,931
Residential mortgage
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		19,942	19,256
Loans Accounted for Under FVO		171	170
90 or more days past due and accruing		237	157
Residential mortgage | Total
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		492	433
Residential mortgage | 30-59 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		132	151
Residential mortgage | 60-89  Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		48	49
Residential mortgage | 90 or  more days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		312	233
Residential mortgage | Current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		19,279	18,653
Automobile
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		13,480	13,434
Loans Accounted for Under FVO		0	0
90 or more days past due and accruing		6	6
Automobile | Total
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		91	105
Automobile | 30-59 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		69	79
Automobile | 60-89  Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		14	18
Automobile | 90 or  more days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		8	8
Automobile | Current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		13,389	13,329
Home equity
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		10,343	10,550
Loans Accounted for Under FVO		1	1
90 or more days past due and accruing		12	17
Home equity | Total
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		129	159
Home equity | 30-59 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		41	48
Home equity | 60-89  Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		17	35
Home equity | 90 or  more days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		71	76
Home equity | Current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		10,213	10,390
RV and marine
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		5,191	5,058
Loans Accounted for Under FVO		0	0
90 or more days past due and accruing		1	3
RV and marine | Total
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		16	21
RV and marine | 30-59 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		11	14
RV and marine | 60-89  Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		3	4
RV and marine | 90 or  more days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		2	3
RV and marine | Current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		5,175	5,037
Other consumer
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		1,256	1,320
Loans Accounted for Under FVO		0	0
90 or more days past due and accruing		2	3
Other consumer | Total
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		15	18
Other consumer | 30-59 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		11	13
Other consumer | 60-89  Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		2	2
Other consumer | 90 or  more days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		2	3
Other consumer | Current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		$ 1,241	$ 1,302
[1]	Amounts represent loans for which Huntington has elected the fair value option. See Note 12 “ Fair Values of Assets and Liabilities ”.

LOANS AND LEASES - Vintage and

LOANS AND LEASES - Vintage and Credit Quality (Details) - USD ($) $ in Millions		Mar. 31, 2022	Dec. 31, 2021
Financing Receivable, Credit Quality Indicator [Line Items]
Loans and leases	[1]	$ 112,817	$ 111,267
Commercial and industrial
Financing Receivable, Credit Quality Indicator [Line Items]
Loans and leases		42,236	41,688
Automobile
Financing Receivable, Credit Quality Indicator [Line Items]
Loans and leases		13,480	13,434
Home equity
Financing Receivable, Credit Quality Indicator [Line Items]
Loans and leases		10,343	10,550
RV and marine
Financing Receivable, Credit Quality Indicator [Line Items]
Loans and leases		5,191	5,058
Commercial
Financing Receivable, Credit Quality Indicator [Line Items]
Loans and leases		62,605	61,649
Commercial | Commercial and industrial
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		6,072	15,959
Financing receivable, year before current fiscal year		11,717	6,059
Financing receivable, two years before current fiscal year		5,235	4,114
Financing receivable, three years before current fiscal year		3,474	2,273
Financing receivable, four years before current fiscal year		1,865	1,243
Financing receivable, more than five years before current fiscal year		2,254	1,374
Revolver Total at Amortized Cost Basis		11,616	10,663
Revolver Total Converted to Term Loans		3	3
Loans and leases		42,236	41,688
Commercial | Commercial and industrial | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		5,981	15,435
Financing receivable, year before current fiscal year		11,288	5,677
Financing receivable, two years before current fiscal year		4,865	3,682
Financing receivable, three years before current fiscal year		3,041	1,983
Financing receivable, four years before current fiscal year		1,596	1,080
Financing receivable, more than five years before current fiscal year		1,877	1,134
Revolver Total at Amortized Cost Basis		10,896	9,945
Revolver Total Converted to Term Loans		3	3
Loans and leases		39,547	38,939
Commercial | Commercial and industrial | OLEM
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		12	183
Financing receivable, year before current fiscal year		113	178
Financing receivable, two years before current fiscal year		134	87
Financing receivable, three years before current fiscal year		141	83
Financing receivable, four years before current fiscal year		79	38
Financing receivable, more than five years before current fiscal year		73	73
Revolver Total at Amortized Cost Basis		116	166
Revolver Total Converted to Term Loans		0	0
Loans and leases		668	808
Commercial | Commercial and industrial | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		79	336
Financing receivable, year before current fiscal year		315	203
Financing receivable, two years before current fiscal year		235	344
Financing receivable, three years before current fiscal year		292	206
Financing receivable, four years before current fiscal year		188	125
Financing receivable, more than five years before current fiscal year		304	167
Revolver Total at Amortized Cost Basis		604	552
Revolver Total Converted to Term Loans		0	0
Loans and leases		2,017	1,933
Commercial | Commercial and industrial | Doubtful
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		0	5
Financing receivable, year before current fiscal year		1	1
Financing receivable, two years before current fiscal year		1	1
Financing receivable, three years before current fiscal year		0	1
Financing receivable, four years before current fiscal year		2	0
Financing receivable, more than five years before current fiscal year		0	0
Revolver Total at Amortized Cost Basis		0	0
Revolver Total Converted to Term Loans		0	0
Loans and leases		4	8
Commercial real estate
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		1,253	4,444
Financing receivable, year before current fiscal year		4,176	2,777
Financing receivable, two years before current fiscal year		2,637	3,083
Financing receivable, three years before current fiscal year		2,823	1,655
Financing receivable, four years before current fiscal year		1,557	985
Financing receivable, more than five years before current fiscal year		1,828	1,189
Revolver Total at Amortized Cost Basis		1,117	828
Revolver Total Converted to Term Loans		0	0
Loans and leases		15,391	14,961
Commercial real estate | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		1,221	4,144
Financing receivable, year before current fiscal year		3,858	2,367
Financing receivable, two years before current fiscal year		2,307	2,593
Financing receivable, three years before current fiscal year		2,359	1,456
Financing receivable, four years before current fiscal year		1,393	761
Financing receivable, more than five years before current fiscal year		1,629	1,124
Revolver Total at Amortized Cost Basis		1,088	798
Revolver Total Converted to Term Loans		0	0
Loans and leases		13,855	13,243
Commercial real estate | OLEM
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		0	76
Financing receivable, year before current fiscal year		63	48
Financing receivable, two years before current fiscal year		39	42
Financing receivable, three years before current fiscal year		47	83
Financing receivable, four years before current fiscal year		51	73
Financing receivable, more than five years before current fiscal year		49	19
Revolver Total at Amortized Cost Basis		0	0
Revolver Total Converted to Term Loans		0	0
Loans and leases		249	341
Commercial real estate | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		32	224
Financing receivable, year before current fiscal year		255	362
Financing receivable, two years before current fiscal year		291	448
Financing receivable, three years before current fiscal year		417	115
Financing receivable, four years before current fiscal year		112	151
Financing receivable, more than five years before current fiscal year		150	46
Revolver Total at Amortized Cost Basis		29	30
Revolver Total Converted to Term Loans		0	0
Loans and leases		1,286	1,376
Commercial real estate | Doubtful
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		0	0
Financing receivable, year before current fiscal year		0	0
Financing receivable, two years before current fiscal year		0	0
Financing receivable, three years before current fiscal year		0	1
Financing receivable, four years before current fiscal year		1	0
Financing receivable, more than five years before current fiscal year		0	0
Revolver Total at Amortized Cost Basis		0	0
Revolver Total Converted to Term Loans		0	0
Loans and leases		1	1
Lease financing
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		475	1,865
Financing receivable, year before current fiscal year		1,729	1,496
Financing receivable, two years before current fiscal year		1,378	840
Financing receivable, three years before current fiscal year		749	423
Financing receivable, four years before current fiscal year		349	237
Financing receivable, more than five years before current fiscal year		298	139
Revolver Total at Amortized Cost Basis		0	0
Revolver Total Converted to Term Loans		0	0
Loans and leases		4,978	5,000
Lease financing | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		469	1,851
Financing receivable, year before current fiscal year		1,715	1,441
Financing receivable, two years before current fiscal year		1,332	809
Financing receivable, three years before current fiscal year		720	417
Financing receivable, four years before current fiscal year		343	226
Financing receivable, more than five years before current fiscal year		284	131
Revolver Total at Amortized Cost Basis		0	0
Revolver Total Converted to Term Loans		0	0
Loans and leases		4,863	4,875
Lease financing | OLEM
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		3	8
Financing receivable, year before current fiscal year		9	32
Financing receivable, two years before current fiscal year		27	12
Financing receivable, three years before current fiscal year		10	4
Financing receivable, four years before current fiscal year		3	2
Financing receivable, more than five years before current fiscal year		2	0
Revolver Total at Amortized Cost Basis		0	0
Revolver Total Converted to Term Loans		0	0
Loans and leases		54	58
Lease financing | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		3	6
Financing receivable, year before current fiscal year		5	23
Financing receivable, two years before current fiscal year		19	19
Financing receivable, three years before current fiscal year		19	2
Financing receivable, four years before current fiscal year		3	9
Financing receivable, more than five years before current fiscal year		12	8
Revolver Total at Amortized Cost Basis		0	0
Revolver Total Converted to Term Loans		0	0
Loans and leases		61	67
Consumer
Financing Receivable, Credit Quality Indicator [Line Items]
Loans and leases		50,212	49,618
Consumer | Residential mortgage
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		1,189	7,442
Financing receivable, year before current fiscal year		7,813	4,906
Financing receivable, two years before current fiscal year		4,634	1,491
Financing receivable, three years before current fiscal year		1,335	943
Financing receivable, four years before current fiscal year		844	1,040
Financing receivable, more than five years before current fiscal year		3,956	3,264
Revolver Total at Amortized Cost Basis		0	0
Revolver Total Converted to Term Loans		0	0
Loans and leases		19,771	19,086
Consumer | Residential mortgage | 750 plus
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		903	5,532
Financing receivable, year before current fiscal year		6,036	3,857
Financing receivable, two years before current fiscal year		3,754	978
Financing receivable, three years before current fiscal year		910	554
Financing receivable, four years before current fiscal year		519	687
Financing receivable, more than five years before current fiscal year		2,387	1,704
Revolver Total at Amortized Cost Basis		0	0
Revolver Total Converted to Term Loans		0	0
Loans and leases		14,509	13,312
Consumer | Residential mortgage | 650-749
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		284	1,862
Financing receivable, year before current fiscal year		1,704	993
Financing receivable, two years before current fiscal year		811	409
Financing receivable, three years before current fiscal year		318	269
Financing receivable, four years before current fiscal year		200	254
Financing receivable, more than five years before current fiscal year		984	1,028
Revolver Total at Amortized Cost Basis		0	0
Revolver Total Converted to Term Loans		0	0
Loans and leases		4,301	4,815
Consumer | Residential mortgage | Less than 650
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		2	48
Financing receivable, year before current fiscal year		73	56
Financing receivable, two years before current fiscal year		69	104
Financing receivable, three years before current fiscal year		107	120
Financing receivable, four years before current fiscal year		125	99
Financing receivable, more than five years before current fiscal year		585	532
Revolver Total at Amortized Cost Basis		0	0
Revolver Total Converted to Term Loans		0	0
Loans and leases		961	959
Consumer | Automobile
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		1,402	5,766
Financing receivable, year before current fiscal year		5,513	3,398
Financing receivable, two years before current fiscal year		3,016	2,295
Financing receivable, three years before current fiscal year		1,989	1,174
Financing receivable, four years before current fiscal year		977	583
Financing receivable, more than five years before current fiscal year		583	218
Revolver Total at Amortized Cost Basis		0	0
Revolver Total Converted to Term Loans		0	0
Loans and leases		13,480	13,434
Consumer | Automobile | 750 plus
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		786	2,993
Financing receivable, year before current fiscal year		2,802	1,927
Financing receivable, two years before current fiscal year		1,731	1,381
Financing receivable, three years before current fiscal year		1,202	666
Financing receivable, four years before current fiscal year		550	345
Financing receivable, more than five years before current fiscal year		340	129
Revolver Total at Amortized Cost Basis		0	0
Revolver Total Converted to Term Loans		0	0
Loans and leases		7,411	7,441
Consumer | Automobile | 650-749
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		567	2,393
Financing receivable, year before current fiscal year		2,280	1,237
Financing receivable, two years before current fiscal year		1,060	736
Financing receivable, three years before current fiscal year		621	380
Financing receivable, four years before current fiscal year		313	168
Financing receivable, more than five years before current fiscal year		160	55
Revolver Total at Amortized Cost Basis		0	0
Revolver Total Converted to Term Loans		0	0
Loans and leases		5,001	4,969
Consumer | Automobile | Less than 650
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		49	380
Financing receivable, year before current fiscal year		431	234
Financing receivable, two years before current fiscal year		225	178
Financing receivable, three years before current fiscal year		166	128
Financing receivable, four years before current fiscal year		114	70
Financing receivable, more than five years before current fiscal year		83	34
Revolver Total at Amortized Cost Basis		0	0
Revolver Total Converted to Term Loans		0	0
Loans and leases		1,068	1,024
Consumer | Home equity
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		198	777
Financing receivable, year before current fiscal year		733	797
Financing receivable, two years before current fiscal year		763	49
Financing receivable, three years before current fiscal year		44	45
Financing receivable, four years before current fiscal year		40	48
Financing receivable, more than five years before current fiscal year		603	615
Revolver Total at Amortized Cost Basis		7,237	7,457
Revolver Total Converted to Term Loans		724	761
Loans and leases		10,342	10,549
Consumer | Home equity | 750 plus
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		155	645
Financing receivable, year before current fiscal year		611	701
Financing receivable, two years before current fiscal year		673	32
Financing receivable, three years before current fiscal year		29	31
Financing receivable, four years before current fiscal year		28	34
Financing receivable, more than five years before current fiscal year		384	387
Revolver Total at Amortized Cost Basis		4,788	4,772
Revolver Total Converted to Term Loans		283	272
Loans and leases		6,951	6,874
Consumer | Home equity | 650-749
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		43	129
Financing receivable, year before current fiscal year		120	94
Financing receivable, two years before current fiscal year		88	15
Financing receivable, three years before current fiscal year		12	13
Financing receivable, four years before current fiscal year		9	13
Financing receivable, more than five years before current fiscal year		152	161
Revolver Total at Amortized Cost Basis		2,118	2,324
Revolver Total Converted to Term Loans		294	324
Loans and leases		2,836	3,073
Consumer | Home equity | Less than 650
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		0	3
Financing receivable, year before current fiscal year		2	2
Financing receivable, two years before current fiscal year		2	2
Financing receivable, three years before current fiscal year		3	1
Financing receivable, four years before current fiscal year		3	1
Financing receivable, more than five years before current fiscal year		67	67
Revolver Total at Amortized Cost Basis		331	361
Revolver Total Converted to Term Loans		147	165
Loans and leases		555	602
Consumer | RV and marine
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		459	1,656
Financing receivable, year before current fiscal year		1,581	1,217
Financing receivable, two years before current fiscal year		1,133	654
Financing receivable, three years before current fiscal year		604	643
Financing receivable, four years before current fiscal year		597	392
Financing receivable, more than five years before current fiscal year		817	496
Revolver Total at Amortized Cost Basis		0	0
Revolver Total Converted to Term Loans		0	0
Loans and leases		5,191	5,058
Consumer | RV and marine | 750 plus
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		415	1,257
Financing receivable, year before current fiscal year		1,150	933
Financing receivable, two years before current fiscal year		864	470
Financing receivable, three years before current fiscal year		431	468
Financing receivable, four years before current fiscal year		433	268
Financing receivable, more than five years before current fiscal year		549	319
Revolver Total at Amortized Cost Basis		0	0
Revolver Total Converted to Term Loans		0	0
Loans and leases		3,842	3,715
Consumer | RV and marine | 650-749
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		44	393
Financing receivable, year before current fiscal year		419	273
Financing receivable, two years before current fiscal year		255	171
Financing receivable, three years before current fiscal year		157	157
Financing receivable, four years before current fiscal year		144	106
Financing receivable, more than five years before current fiscal year		221	150
Revolver Total at Amortized Cost Basis		0	0
Revolver Total Converted to Term Loans		0	0
Loans and leases		1,240	1,250
Consumer | RV and marine | Less than 650
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		0	6
Financing receivable, year before current fiscal year		12	11
Financing receivable, two years before current fiscal year		14	13
Financing receivable, three years before current fiscal year		16	18
Financing receivable, four years before current fiscal year		20	18
Financing receivable, more than five years before current fiscal year		47	27
Revolver Total at Amortized Cost Basis		0	0
Revolver Total Converted to Term Loans		0	0
Loans and leases		109	93
Consumer | Other consumer
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		155	301
Financing receivable, year before current fiscal year		146	88
Financing receivable, two years before current fiscal year		75	105
Financing receivable, three years before current fiscal year		88	38
Financing receivable, four years before current fiscal year		29	27
Financing receivable, more than five years before current fiscal year		85	69
Revolver Total at Amortized Cost Basis		639	648
Revolver Total Converted to Term Loans		39	44
Loans and leases		1,256	1,320
Consumer | Other consumer | 750 plus
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		135	211
Financing receivable, year before current fiscal year		100	34
Financing receivable, two years before current fiscal year		52	50
Financing receivable, three years before current fiscal year		55	13
Financing receivable, four years before current fiscal year		19	10
Financing receivable, more than five years before current fiscal year		58	27
Revolver Total at Amortized Cost Basis		318	326
Revolver Total Converted to Term Loans		3	3
Loans and leases		740	674
Consumer | Other consumer | 650-749
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		20	88
Financing receivable, year before current fiscal year		43	52
Financing receivable, two years before current fiscal year		21	50
Financing receivable, three years before current fiscal year		28	23
Financing receivable, four years before current fiscal year		8	17
Financing receivable, more than five years before current fiscal year		25	41
Revolver Total at Amortized Cost Basis		294	295
Revolver Total Converted to Term Loans		21	24
Loans and leases		460	590
Consumer | Other consumer | Less than 650
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		0	2
Financing receivable, year before current fiscal year		3	2
Financing receivable, two years before current fiscal year		2	5
Financing receivable, three years before current fiscal year		5	2
Financing receivable, four years before current fiscal year		2	0
Financing receivable, more than five years before current fiscal year		2	1
Revolver Total at Amortized Cost Basis		27	27
Revolver Total Converted to Term Loans		15	17
Loans and leases		$ 56	$ 56
[1]	Amounts represent loans for which Huntington has elected the fair value option. See Note 12 “ Fair Values of Assets and Liabilities ”.

LOANS AND LEASES - TDRs (Detail

LOANS AND LEASES - TDRs (Details) $ in Millions	3 Months Ended
	Mar. 31, 2022USD ($)contract	Mar. 31, 2021USD ($)contract
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of Contracts | contract	997	1,208
Post-modification outstanding recorded investment	$ 51	$ 32
Interest rate reduction
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-modification outstanding recorded investment	11	0
Amortization or maturity date change
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-modification outstanding recorded investment	37	27
Chapter 7 bankruptcy
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-modification outstanding recorded investment	3	4
Other
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-modification outstanding recorded investment	$ 0	$ 1
Commercial | Commercial and industrial
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of Contracts | contract	53	12
Post-modification outstanding recorded investment	$ 14	$ 5
Commercial | Commercial and industrial | Interest rate reduction
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-modification outstanding recorded investment	11	0
Commercial | Commercial and industrial | Amortization or maturity date change
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-modification outstanding recorded investment	3	5
Commercial | Commercial and industrial | Chapter 7 bankruptcy
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-modification outstanding recorded investment	0	0
Commercial | Commercial and industrial | Other
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-modification outstanding recorded investment	$ 0	$ 0
Commercial | Commercial real estate
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of Contracts | contract	1	0
Post-modification outstanding recorded investment	$ 0	$ 0
Commercial | Commercial real estate | Interest rate reduction
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-modification outstanding recorded investment	0	0
Commercial | Commercial real estate | Amortization or maturity date change
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-modification outstanding recorded investment	0	0
Commercial | Commercial real estate | Chapter 7 bankruptcy
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-modification outstanding recorded investment	0	0
Commercial | Commercial real estate | 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	207	86
Post-modification outstanding recorded investment	$ 29	$ 14
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	28	13
Consumer | Residential mortgage | Chapter 7 bankruptcy
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-modification outstanding recorded investment	1	1
Consumer | Residential mortgage | Other
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-modification outstanding recorded investment	$ 0	$ 0
Consumer | Automobile
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of Contracts | contract	625	902
Post-modification outstanding recorded investment	$ 5	$ 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	4	7
Consumer | Automobile | Chapter 7 bankruptcy
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-modification outstanding recorded investment	1	1
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	42	62
Post-modification outstanding recorded investment	$ 2	$ 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	1	2
Consumer | Home equity | 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	39	49
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	30	97
Post-modification outstanding recorded investment	$ 0	$ 1
Consumer | Other consumer | Interest rate reduction
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-modification outstanding recorded investment	0	0
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	$ 0	$ 1

ALLOWANCE FOR CREDIT LOSSES - A

ALLOWANCE FOR CREDIT LOSSES - Allowance Roll-forward (Details) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021	Dec. 31, 2021
Financing Receivable, Allowance for Credit Loss [Roll Forward]
ALLL balance, beginning of period	$ 2,030	$ 1,814
Loan and lease charge-offs	(81)	(95)
Recoveries of loans and leases previously charged-off	62	31
Provision for credit losses	7	(47)
ALLL balance, end of period	2,018	1,703
AULC balance, beginning of period	77	52
Provision (reduction in allowance) for unfunded loan commitments	14	(13)
Unfunded lending commitment losses		(1)
AULC balance, end of period	91	38
ACL balance, end of period	2,109	1,741	$ 2,100
Commercial
Financing Receivable, Allowance for Credit Loss [Roll Forward]
ALLL balance, beginning of period	1,462	1,236
Loan and lease charge-offs	(31)	(61)
Recoveries of loans and leases previously charged-off	40	12
Provision for credit losses	43	10
ALLL balance, end of period	1,514	1,197
AULC balance, beginning of period	41	34
Provision (reduction in allowance) for unfunded loan commitments	16	(6)
Unfunded lending commitment losses		(1)
AULC balance, end of period	57	27
ACL balance, end of period	1,571	1,224
Consumer
Financing Receivable, Allowance for Credit Loss [Roll Forward]
ALLL balance, beginning of period	568	578
Loan and lease charge-offs	(50)	(34)
Recoveries of loans and leases previously charged-off	22	19
Provision for credit losses	(36)	(57)
ALLL balance, end of period	504	506
AULC balance, beginning of period	36	18
Provision (reduction in allowance) for unfunded loan commitments	(2)	(7)
Unfunded lending commitment losses		0
AULC balance, end of period	34	11
ACL balance, end of period	$ 538	$ 517

ALLOWANCE FOR CREDIT LOSSES - N

ALLOWANCE FOR CREDIT LOSSES - Narrative (Details) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2022	Dec. 31, 2021	Mar. 31, 2021
Credit Loss [Abstract]
ACL balance, end of period	$ 2,109	$ 2,100	$ 1,741
Allowance for credit loss, change since adoption	$ 2

MORTGAGE LOAN SALES AND SERVI_3

MORTGAGE LOAN SALES AND SERVICING RIGHTS - Residential Mortgage Portfolio (Details) - Residential mortgage - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Servicing Asset at Amortized Cost [Line Items]
Loans sold with servicing retained	$ 1,934	$ 2,256
Pretax gains resulting from above loan sales	$ 59	$ 93

MORTGAGE LOAN SALES AND SERVI_4

MORTGAGE LOAN SALES AND SERVICING RIGHTS - Residential Mortgage Portfolio, MSRs Fair Value Method (Details) - Residential mortgage - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Servicing Asset at Fair Value, Amount [Roll Forward]
Fair value, beginning of period	$ 351	$ 210
New servicing assets created	29	33
Time decay	(5)	(3)
Payoffs	(10)	(17)
Changes in valuation inputs or assumptions	51	51
Fair value, end of period	$ 416	$ 274
Fair value method
Servicing Asset at Fair Value, Amount [Roll Forward]
Weighted-average life (years)	7 years 6 months	7 years

MORTGAGE LOAN SALES AND SERVI_5

MORTGAGE LOAN SALES AND SERVICING RIGHTS - Residential Mortgage Portfolio, MSRs Fair Value Method Key Assumptions (Details) - Fair value method - Residential mortgage - USD ($) $ in Millions	3 Months Ended	12 Months Ended
	Mar. 31, 2022	Dec. 31, 2021
Servicing Assets at Fair Value [Line Items]
Constant prepayment rate (annualized), actual	9.30%	12.28%
Constant prepayment rate (annualized), 10% adverse change	$ (14)	$ (17)
Constant prepayment rate (annualized), 20% adverse change	$ (28)	$ (32)
Spread over forward interest rate swap rates, actual	5.04%	4.66%
Spread over forward interest rate swap rates, 10% adverse change	$ (8)	$ (7)
Spread over forward interest rate swap rates, 20% adverse change	$ (17)	$ (13)

MORTGAGE LOAN SALES AND SERVI_6

MORTGAGE LOAN SALES AND SERVICING RIGHTS - Narrative (Details) - Residential mortgage - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021	Dec. 31, 2021
Servicing Assets at Fair Value [Line Items]
Servicing income	$ 22	$ 18
Unpaid principal balance of third party serviced loans	$ 31,600		$ 31,000

BORROWINGS - SCHEDULE OF SHORT-

BORROWINGS - SCHEDULE OF SHORT-TERM DEBT (Details) - USD ($) $ in Millions	Mar. 31, 2022	Dec. 31, 2021
Short-term Debt [Line Items]
Short-term borrowings	$ 652	$ 334
Federal funds purchased and securities sold under agreements to repurchase
Short-term Debt [Line Items]
Short-term borrowings	392	320
Other borrowings
Short-term Debt [Line Items]
Short-term borrowings	$ 260	$ 14

BORROWINGS - Schedule of Long-T

BORROWINGS - Schedule of Long-Term Debt and Debt Issuances (Details) - USD ($) $ in Millions	Mar. 31, 2022	Dec. 31, 2021
Debt Instrument [Line Items]
Long-term debt	$ 6,508	$ 7,108
Federal Home Loan Bank advances
Debt Instrument [Line Items]
Long-term debt	214	215
Other borrowings
Debt Instrument [Line Items]
Long-term debt	542	537
Parent
Debt Instrument [Line Items]
Long-term debt	3,030	3,111
Parent | Senior Notes
Debt Instrument [Line Items]
Long-term debt	2,013	2,083
Parent | Subordinated Notes
Debt Instrument [Line Items]
Long-term debt	1,017	1,028
Bank
Debt Instrument [Line Items]
Long-term debt	2,722	3,245
Bank | Senior Notes
Debt Instrument [Line Items]
Long-term debt	1,930	2,434
Bank | Subordinated Notes
Debt Instrument [Line Items]
Long-term debt	$ 792	$ 811

OTHER COMPREHENSIVE INCOME - Ac

OTHER COMPREHENSIVE INCOME - Activity (Details) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Pretax
Other comprehensive income (loss), pretax	$ (1,407)	$ (319)
Tax (Expense) Benefit
Total other comprehensive income (loss), tax (expense) benefit	322	71
After-tax
Other comprehensive (loss) income, net of tax	(1,085)	(248)
Other comprehensive income (loss) before reclassifications	(1,094)	(257)
Net unrealized gains (losses) on net investment hedges	9	9
Period change	(1,085)	(248)
Unrealized gains and (losses) on debt securities
After-tax
Other comprehensive income (loss) before reclassifications	(1,186)	(223)
Net unrealized gains (losses) on net investment hedges	7	7
Period change	(1,179)	(216)
Net impact of fair value hedges on available-for-sale securities
Pretax
Other comprehensive income (loss), pretax	431	44
Tax (Expense) Benefit
Total other comprehensive income (loss), tax (expense) benefit	(99)	(10)
After-tax
Other comprehensive (loss) income, net of tax	332	34
Other comprehensive income (loss) before reclassifications	332	34
Net unrealized gains (losses) on net investment hedges	0	0
Period change	332	34
Change in fair value related to cash flow hedges
Pretax
Other comprehensive income (loss), pretax	(310)	(88)
Tax (Expense) Benefit
Total other comprehensive income (loss), tax (expense) benefit	70	20
After-tax
Other comprehensive (loss) income, net of tax	(240)	(68)
Accumulated foreign currency adjustment
Pretax
Foreign currency translation adjustment	2
Net unrealized gains (losses) on net investment hedges	(2)
Translation adjustments, net of hedges	0
Tax (Expense) Benefit
Reclassification adjustment for realized net losses included in net income	0
Other comprehensive income (loss), tax	0
After-tax
Other comprehensive income (loss) before reclassifications	2
Net unrealized gains (losses) on net investment hedges	(2)
Period change	0
Unrealized gains (losses) for pension and other post-retirement obligations
Pretax
Other comprehensive income (loss), pretax	3	3
Tax (Expense) Benefit
Total other comprehensive income (loss), tax (expense) benefit	(1)	(1)
After-tax
Other comprehensive (loss) income, net of tax	2	2
Other comprehensive income (loss) before reclassifications	0	0
Net unrealized gains (losses) on net investment hedges	2	2
Period change	2	2
Debt Securities | Unrealized gains and (losses) on debt securities
Pretax
Unrealized losses on available-for-sale securities arising during the period	(1,540)	(287)
Reclassification adjustment for realized net losses included in net income	9	9
Other comprehensive income (loss), pretax	(1,531)	(278)
Tax (Expense) Benefit
Unrealized losses on available-for-sale securities arising during the period	354	64
Reclassification adjustment for realized net losses included in net income	(2)	(2)
Total other comprehensive income (loss), tax (expense) benefit	352	62
After-tax
Unrealized losses on available-for-sale securities arising during the period	(1,186)	(223)
Reclassification adjustment for realized net losses included in net income	7	7
Other comprehensive (loss) income, net of tax	$ (1,179)	$ (216)

OTHER COMPREHENSIVE INCOME OTHE

OTHER COMPREHENSIVE INCOME OTHER COMPREHENSIVE INCOME - AOCI Roll Forward (Details) - USD ($) $ in Millions	Mar. 31, 2022	Mar. 31, 2021	Mar. 31, 2022	Mar. 31, 2021
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Balance, beginning of period			$ 19,297
Other comprehensive income (loss) before reclassifications			(1,094)	$ (257)
Net unrealized gains (losses) on net investment hedges			9	9
Period change			(1,085)	(248)
Balance, end of period	$ 18,452		18,452
Unrealized gains and (losses) on debt securities
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Balance, beginning of period			(153)	188
Other comprehensive income (loss) before reclassifications			(1,186)	(223)
Net unrealized gains (losses) on net investment hedges			7	7
Period change			(1,179)	(216)
Balance, end of period	(1,332)	$ (28)	(1,332)	(28)
Net impact of fair value hedges on available-for-sale securities
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Balance, beginning of period			89	2
Other comprehensive income (loss) before reclassifications			332	34
Net unrealized gains (losses) on net investment hedges			0	0
Period change			332	34
Balance, end of period	421	36	421	36
Net unrealized gains (losses) on net investment hedges
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Balance, beginning of period			63	255
Other comprehensive income (loss) before reclassifications			(240)	(68)
Net unrealized gains (losses) on net investment hedges			0	0
Period change			(240)	(68)
Balance, end of period	(177)	187	(177)	187
Translation adjustments, net of hedges
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Balance, beginning of period			(3)	0
Other comprehensive income (loss) before reclassifications			0	0
Net unrealized gains (losses) on net investment hedges			0	0
Period change			0	0
Balance, end of period	(3)	0	(3)	0
Unrealized gains (losses) for pension and other post-retirement obligations
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Balance, beginning of period			(225)	(253)
Other comprehensive income (loss) before reclassifications			0	0
Net unrealized gains (losses) on net investment hedges			2	2
Period change			2	2
Balance, end of period	(223)	(251)	(223)	(251)
Accumulated Other Comprehensive Income (Loss)
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Balance, beginning of period			(229)	192
Balance, end of period	(1,314)	(56)	$ (1,314)	$ (56)
Reclassification out of Accumulated Other Comprehensive Income
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Net unrealized loss on securities transfer	$ 78	$ 46

SHAREHOLDERS' EQUITY (Details)

SHAREHOLDERS' EQUITY (Details) - USD ($) $ / shares in Units, $ in Millions	3 Months Ended		8 Months Ended
	Mar. 31, 2022	Mar. 31, 2021	Mar. 31, 2022	Dec. 31, 2021	Jul. 21, 2021
Class of Stock [Line Items]
Shares Outstanding	557,500		557,500	557,500
Carrying Amount	$ 2,167		$ 2,167	$ 2,167
Cash Dividend Declared Per Share, Amount	(28)	$ (31)
Authorized repurchase of common shares amount					$ 800
Common stock repurchased	0		650
Treasury shares	$ 78		$ 78	79
Red Iron
Class of Stock [Line Items]
Joint venture, controlling interest ownership percentage	55.00%		55.00%
Non-controlling interest, ownership percentage	45.00%		45.00%
Retained Earnings
Class of Stock [Line Items]
Cash Dividend Declared Per Share, Amount	$ (28)	$ (31)
Series B Preferred Stock
Class of Stock [Line Items]
Shares Outstanding	35,500		35,500
Carrying Amount	$ 23		$ 23	23
Cash Dividend Declared Per Share	$ 9.36	$ 7.35
Series B Preferred Stock | Retained Earnings
Class of Stock [Line Items]
Cash Dividend Declared Per Share, Amount	$ 0	$ 0
Series D Preferred Stock
Class of Stock [Line Items]
Cash Dividend Declared Per Share	$ 0	$ 15.63
Series D Preferred Stock | Retained Earnings
Class of Stock [Line Items]
Cash Dividend Declared Per Share, Amount	$ 0	$ (9)
Series C Preferred Stock
Class of Stock [Line Items]
Cash Dividend Declared Per Share	$ 0	$ 14.69
Series C Preferred Stock | Retained Earnings
Class of Stock [Line Items]
Cash Dividend Declared Per Share, Amount	$ 0	$ (2)
Series E Preferred Stock
Class of Stock [Line Items]
Shares Outstanding	5,000		5,000
Dividend Rate	5.70%
Carrying Amount	$ 495		$ 495	495
Cash Dividend Declared Per Share	$ 1,425	$ 1,425
Series E Preferred Stock | Retained Earnings
Class of Stock [Line Items]
Cash Dividend Declared Per Share, Amount	$ (7)	$ (7)
Series F Preferred Stock
Class of Stock [Line Items]
Shares Outstanding	5,000		5,000
Dividend Rate	5.625%
Carrying Amount	$ 494		$ 494	494
Cash Dividend Declared Per Share	$ 1,406.25	$ 1,406.25
Series F Preferred Stock | Retained Earnings
Class of Stock [Line Items]
Cash Dividend Declared Per Share, Amount	$ (7)	$ (7)
Series G Preferred Stock
Class of Stock [Line Items]
Shares Outstanding	5,000		5,000
Dividend Rate	4.45%
Carrying Amount	$ 494		$ 494	494
Cash Dividend Declared Per Share	$ 1,112.5	$ 1,112.5
Series G Preferred Stock | Retained Earnings
Class of Stock [Line Items]
Cash Dividend Declared Per Share, Amount	$ (6)	$ (6)
Series H Preferred Stock
Class of Stock [Line Items]
Shares Outstanding	500,000		500,000
Dividend Rate	4.50%
Carrying Amount	$ 486		$ 486	486
Cash Dividend Declared Per Share	$ 11.25	$ 0
Series H Preferred Stock | Retained Earnings
Class of Stock [Line Items]
Cash Dividend Declared Per Share, Amount	$ (6)	$ 0
Series I Preferred Stock
Class of Stock [Line Items]
Shares Outstanding	7,000		7,000
Dividend Rate	5.70%
Carrying Amount	$ 175		$ 175	$ 175
Cash Dividend Declared Per Share	$ 356.25	$ 0
Series I Preferred Stock | Retained Earnings
Class of Stock [Line Items]
Cash Dividend Declared Per Share, Amount	$ (2)	$ 0
Series B And H Preferred Stock
Class of Stock [Line Items]
Redemption price (per share)	$ 1,000		$ 1,000
Series E, F, G And I Preferred Stock
Class of Stock [Line Items]
Redemption price (per share)	$ 100,000		$ 100,000
London Interbank Offered Rate (LIBOR) | Series B Preferred Stock
Class of Stock [Line Items]
Preferred stock, variable rate basis spread	2.70%		2.70%

EARNINGS PER SHARE (Details)

EARNINGS PER SHARE (Details) - USD ($) $ / shares in Units, shares in Thousands, $ in Thousands	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Basic earnings per common share:
Net income attributable to Huntington Bancshares Inc	$ 460,000	$ 532,000
Dividends on preferred shares	28,000	31,000
Net income applicable to common shares	$ 432,000	$ 501,000
Average common shares issued and outstanding (in shares)	1,438,427	1,017,512
Basic earnings per common share (in usd per share)	$ 0.30	$ 0.49
Dilutive potential common shares:
Stock options and restricted stock units and awards	19,629	18,397
Shares held in deferred compensation plans	6,271	5,094
Dilutive potential common shares	25,900	23,491
Total diluted average common shares issued and outstanding (in shares)	1,464,327	1,041,003
Diluted earnings per common share (in usd per share)	$ 0.29	$ 0.48
Employee Stock Option
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Options outstanding to purchase common stock shares having antidilutive effect	2,148	1,666

NONINTEREST INCOME - Summary of

NONINTEREST INCOME - Summary of Noninterest Income (Details) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Revenue from Contract with Customer [Abstract]
Noninterest income from contracts with customers	$ 308	$ 222
Noninterest income within the scope of other GAAP topics	191	173
Total noninterest income	$ 499	$ 395

NONINTEREST INCOME - Disaggrega

NONINTEREST INCOME - Disaggregation by Segment (Details) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	$ 308	$ 222
Noninterest income within the scope of other GAAP topics	191	173
Noninterest income	499	395
Service charges on deposit accounts
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	97	69
Card and payment processing income
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	80	62
Mortgage banking income
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	65	52
Insurance income
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	31	27
Other noninterest income
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	35	12
Operating Segments | Commercial Banking
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	56	28
Noninterest income within the scope of other GAAP topics	85	60
Noninterest income	141	88
Operating Segments | Commercial Banking | Service charges on deposit accounts
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	23	19
Operating Segments | Commercial Banking | Card and payment processing income
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	6	4
Operating Segments | Commercial Banking | Mortgage banking income
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	0	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	25	2
Operating Segments | Consumer & Business Banking
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	183	137
Noninterest income within the scope of other GAAP topics	89	99
Noninterest income	272	236
Operating Segments | Consumer & Business Banking | Service charges on deposit accounts
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	71	48
Operating Segments | Consumer & Business Banking | Card and payment processing income
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	74	58
Operating Segments | Consumer & Business Banking | Mortgage banking income
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	18	13
Operating Segments | Consumer & Business Banking | Insurance income
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	12	12
Operating Segments | Consumer & Business Banking | Other noninterest income
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	8	6
Operating Segments | Vehicle Finance
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	2	3
Noninterest income within the scope of other GAAP topics	1	0
Noninterest income	3	3
Operating Segments | Vehicle Finance | Service charges on deposit accounts
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	2	2
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 | Mortgage banking 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	0	1
Operating Segments | RBPCG
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	65	52
Noninterest income within the scope of other GAAP topics	1	1
Noninterest income	66	53
Operating Segments | RBPCG | Service charges on deposit accounts
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	1	0
Operating Segments | RBPCG | Card and payment processing income
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	0	0
Operating Segments | RBPCG | Mortgage banking income
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	47	38
Operating Segments | RBPCG | Insurance income
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	16	13
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	15	13
Noninterest income	17	15
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 | Mortgage banking 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	1	0
Treasury / Other | Other noninterest income
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	$ 1	$ 2

FAIR VALUES OF ASSETS AND LIA_3

FAIR VALUES OF ASSETS AND LIABILITIES - Narrative (Details) - USD ($) $ in Millions	Mar. 31, 2022	Dec. 31, 2021
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans held for sale, fair value	$ 835	$ 1,270
Loans and leases, fair value	$ 172	$ 171

FAIR VALUES OF ASSETS AND LIA_4

FAIR VALUES OF ASSETS AND LIABILITIES - Recurring Basis (Details) - USD ($) $ in Millions	Mar. 31, 2022	Dec. 31, 2021
Assets measured at fair value on a recurring basis
Available-for-sale securities	$ 25,152	$ 28,460
Loans held for sale	835	1,270
Loans Accounted for Under FVO	172	171
Gross amounts of recognized assets	1,560	1,065
Derivative assets netting	(859)	(465)
Net amounts of assets presented in the condensed consolidated balance sheets	701	600
Liabilities measured at fair value on a recurring basis
Gross amounts of recognized liabilities	1,229	743
Gross amounts offset in the condensed consolidated balance sheets	(684)	(624)
Derivative liabilities	545	119
Municipal securities
Assets measured at fair value on a recurring basis
Available-for-sale securities	3,329	3,526
U.S. Treasury
Assets measured at fair value on a recurring basis
Available-for-sale securities	5	5
Residential MBS
Assets measured at fair value on a recurring basis
Available-for-sale securities	13,901	15,508
Commercial MBS
Assets measured at fair value on a recurring basis
Available-for-sale securities	1,850	1,865
Other agencies
Assets measured at fair value on a recurring basis
Available-for-sale securities	225	248
Private-label CMO
Assets measured at fair value on a recurring basis
Available-for-sale securities	145	106
Asset-backed securities
Assets measured at fair value on a recurring basis
Available-for-sale securities	396	382
Corporate debt
Assets measured at fair value on a recurring basis
Available-for-sale securities	2,381	2,167
Fair Value, Measurements, Recurring
Assets measured at fair value on a recurring basis
Available-for-sale securities	25,152	28,460
Other securities	66	72
Loans held for sale	835	1,270
MSRs	416	351
Derivative assets netting	(859)	(465)
Net amounts of assets presented in the condensed consolidated balance sheets	701	600
Restricted Assets, Fair Value Disclosure	140	156
Liabilities measured at fair value on a recurring basis
Gross amounts offset in the condensed consolidated balance sheets	(684)	(624)
Derivative liabilities	545	119
Fair Value, Measurements, Recurring | Municipal securities
Assets measured at fair value on a recurring basis
Trading account securities	74	46
Available-for-sale securities	3,329	3,526
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 | Residential CMOs
Assets measured at fair value on a recurring basis
Available-for-sale securities	2,916	4,649
Fair Value, Measurements, Recurring | Residential MBS
Assets measured at fair value on a recurring basis
Available-for-sale securities	13,901	15,508
Fair Value, Measurements, Recurring | Commercial MBS
Assets measured at fair value on a recurring basis
Available-for-sale securities	1,850	1,865
Fair Value, Measurements, Recurring | Other agencies
Assets measured at fair value on a recurring basis
Available-for-sale securities	225	248
Fair Value, Measurements, Recurring | Private-label CMO
Assets measured at fair value on a recurring basis
Available-for-sale securities	145	106
Fair Value, Measurements, Recurring | Asset-backed securities
Assets measured at fair value on a recurring basis
Available-for-sale securities	396	382
Fair Value, Measurements, Recurring | Corporate debt
Assets measured at fair value on a recurring basis
Available-for-sale securities	2,381	2,167
Fair Value, Measurements, Recurring | Other securities
Assets measured at fair value on a recurring basis
Available-for-sale securities	4	4
Fair Value, Measurements, Recurring | Level 1
Assets measured at fair value on a recurring basis
Available-for-sale securities	5	5
Other securities	60	65
Loans held for sale	0	0
Loans Accounted for Under FVO	0	0
MSRs	0	0
Gross amounts of recognized assets	0	0
Restricted Assets, Fair Value Disclosure	140	156
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 | U.S. Treasury
Assets measured at fair value on a recurring basis
Available-for-sale securities	5	5
Fair Value, Measurements, Recurring | Level 1 | Residential CMOs
Assets measured at fair value on a recurring basis
Available-for-sale securities	0	0
Fair Value, Measurements, Recurring | Level 1 | Residential MBS
Assets measured at fair value on a recurring basis
Available-for-sale securities	0	0
Fair Value, Measurements, Recurring | Level 1 | Commercial MBS
Assets measured at fair value on a recurring basis
Available-for-sale securities	0	0
Fair Value, Measurements, Recurring | Level 1 | Other agencies
Assets measured at fair value on a recurring basis
Available-for-sale securities	0	0
Fair Value, Measurements, Recurring | Level 1 | Private-label CMO
Assets measured at fair value on a recurring basis
Available-for-sale securities	0	0
Fair Value, Measurements, Recurring | Level 1 | Asset-backed securities
Assets measured at fair value on a recurring basis
Available-for-sale securities	0	0
Fair Value, Measurements, Recurring | Level 1 | Corporate debt
Assets measured at fair value on a recurring basis
Available-for-sale securities	0	0
Fair Value, Measurements, Recurring | Level 1 | Other securities
Assets measured at fair value on a recurring basis
Available-for-sale securities	0	0
Fair Value, Measurements, Recurring | Level 2
Assets measured at fair value on a recurring basis
Available-for-sale securities	21,784	24,888
Other securities	6	7
Loans held for sale	835	1,270
Loans Accounted for Under FVO	154	152
MSRs	0	0
Gross amounts of recognized assets	1,557	1,055
Restricted Assets, Fair Value Disclosure	0	0
Liabilities measured at fair value on a recurring basis
Gross amounts of recognized liabilities	1,216	737
Fair Value, Measurements, Recurring | Level 2 | Municipal securities
Assets measured at fair value on a recurring basis
Trading account securities	74	46
Available-for-sale securities	47	49
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 | Residential CMOs
Assets measured at fair value on a recurring basis
Available-for-sale securities	2,916	4,649
Fair Value, Measurements, Recurring | Level 2 | Residential MBS
Assets measured at fair value on a recurring basis
Available-for-sale securities	13,901	15,508
Fair Value, Measurements, Recurring | Level 2 | Commercial MBS
Assets measured at fair value on a recurring basis
Available-for-sale securities	1,850	1,865
Fair Value, Measurements, Recurring | Level 2 | Other agencies
Assets measured at fair value on a recurring basis
Available-for-sale securities	225	248
Fair Value, Measurements, Recurring | Level 2 | Private-label CMO
Assets measured at fair value on a recurring basis
Available-for-sale securities	126	86
Fair Value, Measurements, Recurring | Level 2 | Asset-backed securities
Assets measured at fair value on a recurring basis
Available-for-sale securities	334	312
Fair Value, Measurements, Recurring | Level 2 | Corporate debt
Assets measured at fair value on a recurring basis
Available-for-sale securities	2,381	2,167
Fair Value, Measurements, Recurring | Level 2 | Other securities
Assets measured at fair value on a recurring basis
Available-for-sale securities	4	4
Fair Value, Measurements, Recurring | Level 3
Assets measured at fair value on a recurring basis
Available-for-sale securities	3,363	3,567
Other securities	0	0
Loans held for sale	0	0
Loans Accounted for Under FVO	18	19
MSRs	416	351
Gross amounts of recognized assets	3	10
Restricted Assets, Fair Value Disclosure	0	0
Liabilities measured at fair value on a recurring basis
Gross amounts of recognized liabilities	13	6
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	3,282	3,477
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 | Residential CMOs
Assets measured at fair value on a recurring basis
Available-for-sale securities	0	0
Fair Value, Measurements, Recurring | Level 3 | Residential MBS
Assets measured at fair value on a recurring basis
Available-for-sale securities	0	0
Fair Value, Measurements, Recurring | Level 3 | Commercial MBS
Assets measured at fair value on a recurring basis
Available-for-sale securities	0	0
Fair Value, Measurements, Recurring | Level 3 | Other agencies
Assets measured at fair value on a recurring basis
Available-for-sale securities	0	0
Fair Value, Measurements, Recurring | Level 3 | Private-label CMO
Assets measured at fair value on a recurring basis
Available-for-sale securities	19	20
Fair Value, Measurements, Recurring | Level 3 | Asset-backed securities
Assets measured at fair value on a recurring basis
Available-for-sale securities	62	70
Fair Value, Measurements, Recurring | Level 3 | Corporate debt
Assets measured at fair value on a recurring basis
Available-for-sale securities	0	0
Fair Value, Measurements, Recurring | Level 3 | Other securities
Assets measured at fair value on a recurring basis
Available-for-sale securities	$ 0	$ 0

FAIR VALUES OF ASSETS AND LIA_5

FAIR VALUES OF ASSETS AND LIABILITIES - Level 3 Roll Forward (Details) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021	Dec. 31, 2021	Dec. 31, 2020
Derivative instruments
Opening balance		$ 10
Sales	$ 0
Closing balance		10
Mortgage banking income
Derivative instruments
Included in earnings:	(7)	8
Interest and Fee Income
Derivative instruments
Included in earnings:	0
Provision For Credit Loss
Derivative instruments
Included in earnings:	0
MSRs
Assets Level 3 Roll Forward:
Opening balance	351	210
Transfers out of Level 3	0	0
Total gains/losses for the period:
Included in OCI	0	0
Purchases/originations	29	33
Sales	0
Repayments	0	0
Settlements	(15)	(20)
Closing balance	416	274	$ 351	$ 210
Change in unrealized gains or losses for the period included in earnings for assets held at end of the reporting date	51	51
MSRs | Mortgage banking income
Total gains/losses for the period:
Included in earnings:	51	51
MSRs | Interest and Fee Income
Total gains/losses for the period:
Included in earnings:	0
MSRs | Provision For Credit Loss
Total gains/losses for the period:
Included in earnings:	0
Derivative instruments
Derivative instruments
Opening balance	(10)		4	41
Transfers out of Level 3	(7)	(39)
Included in OCI	0	0
Purchases/originations	0	0
Repayments	0	0
Settlements	0	0
Closing balance	(10)
Change in unrealized gains or losses for the period included in earnings for assets held at end of the reporting date	16	26
Municipal securities
Assets Level 3 Roll Forward:
Opening balance	3,477	2,951
Transfers out of Level 3	0	0
Total gains/losses for the period:
Included in OCI	(120)	(4)
Purchases/originations	172	209
Sales	0
Repayments	0	0
Settlements	(241)	(86)
Closing balance	3,282	3,070	3,477	2,951
Change in unrealized gains or losses for the period included in earnings for assets held at end of the reporting date	(118)	(5)
Municipal securities | Mortgage banking income
Total gains/losses for the period:
Included in earnings:	0	0
Municipal securities | Interest and Fee Income
Total gains/losses for the period:
Included in earnings:	(2)
Municipal securities | Provision For Credit Loss
Total gains/losses for the period:
Included in earnings:	(4)
Private-label CMO
Assets Level 3 Roll Forward:
Opening balance	20	9
Transfers out of Level 3	0	0
Total gains/losses for the period:
Included in OCI	0	0
Purchases/originations	0	2
Sales	0
Repayments	0	0
Settlements	0	0
Closing balance	19	11	20	9
Private-label CMO | Mortgage banking income
Total gains/losses for the period:
Included in earnings:	0	0
Private-label CMO | Interest and Fee Income
Total gains/losses for the period:
Included in earnings:	(1)
Private-label CMO | Provision For Credit Loss
Total gains/losses for the period:
Included in earnings:	0
Asset-backed securities
Assets Level 3 Roll Forward:
Opening balance	70	10
Transfers out of Level 3	0	0
Total gains/losses for the period:
Included in OCI	(1)	0
Purchases/originations	0	37
Sales	0
Repayments	0	0
Settlements	(7)	0
Closing balance	62	47	70	10
Change in unrealized gains or losses for the period included in earnings for assets held at end of the reporting date	(1)
Asset-backed securities | Mortgage banking income
Total gains/losses for the period:
Included in earnings:	0	0
Asset-backed securities | Interest and Fee Income
Total gains/losses for the period:
Included in earnings:	0
Asset-backed securities | Provision For Credit Loss
Total gains/losses for the period:
Included in earnings:	0
Loans held for investment
Assets Level 3 Roll Forward:
Opening balance	19	23
Transfers out of Level 3	0	0
Total gains/losses for the period:
Included in OCI	0	0
Purchases/originations	0	0
Sales	0
Repayments	(1)	(1)
Settlements	0	0
Closing balance	18	22	$ 19	$ 23
Change in unrealized gains or losses for the period included in earnings for assets held at end of the reporting date	0	0
Loans held for investment | Mortgage banking income
Total gains/losses for the period:
Included in earnings:	0	$ 0
Loans held for investment | Interest and Fee Income
Total gains/losses for the period:
Included in earnings:	0
Loans held for investment | Provision For Credit Loss
Total gains/losses for the period:
Included in earnings:	$ 0

FAIR VALUES OF ASSETS AND LIA_6

FAIR VALUES OF ASSETS AND LIABILITIES - Fair Value Option (Details) - USD ($) $ in Millions	Mar. 31, 2022	Dec. 31, 2021
Fair Value, Option, Quantitative Disclosures [Line Items]
Loans held for sale, fair value	$ 835	$ 1,270
Loans and leases, fair value	172	171
Fair Value, Measurements, Recurring
Fair Value, Option, Quantitative Disclosures [Line Items]
Loans held for sale, fair value	835	1,270
Fair Value, Measurements, Recurring | Mortgages Held For Sale
Fair Value, Option, Quantitative Disclosures [Line Items]
Loans held for sale, aggregate unpaid principal	846	1,237
Difference	11	(33)
Fair Value, Measurements, Recurring | Mortgages Held To Maturity
Fair Value, Option, Quantitative Disclosures [Line Items]
Loans and leases, fair value	172	171
Loans held for investment, aggregate unpaid principal	177	177
Difference	(5)	(6)
Fair Value, Measurements, Recurring | 90 or  more days | Mortgages Held For Sale
Fair Value, Option, Quantitative Disclosures [Line Items]
Loans held for sale, fair value	0	0
Loans held for sale, aggregate unpaid principal	0	0
Difference	0	0
Fair Value, Measurements, Recurring | 90 or  more days | Mortgages Held To Maturity
Fair Value, Option, Quantitative Disclosures [Line Items]
Loans and leases, fair value	5	4
Loans held for investment, aggregate unpaid principal	5	4
Difference	$ 0	$ 0

FAIR VALUES OF ASSETS AND LIA_7

FAIR VALUES OF ASSETS AND LIABILITIES - Fair Value Option-Changes in Fair Value (Details) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Fair Value, Measurements, Recurring
Fair Value, Option, Quantitative Disclosures [Line Items]
Net gains (losses) from fair value changes	$ (44)	$ (34)
Fair Value Measured On Recurring Basis Automobile Loan | Fair Value, Measurements, Recurring
Fair Value, Option, Quantitative Disclosures [Line Items]
Net gains (losses) from fair value changes	$ 1	$ 0

FAIR VALUES OF ASSETS AND LIA_8

FAIR VALUES OF ASSETS AND LIABILITIES - Non-Recurring Basis (Details) - Nonrecurring Basis - USD ($) $ in Millions	Mar. 31, 2022	Dec. 31, 2021	Mar. 31, 2021
Total Gains/(Losses)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Collateral-dependent loans	$ (1)		$ (1)
Level 3 | Fair Value
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Collateral-dependent loans	$ 17	$ 39

FAIR VALUES OF ASSETS AND LIA_9

FAIR VALUES OF ASSETS AND LIABILITIES - Significant Unobservable Level 3 Inputs (Details) - Level 3 - Fair Value, Measurements, Recurring	Mar. 31, 2022	Dec. 31, 2021
Residential MBS | Minimum | Discounted cash flow | Constant prepayment rate
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Servicing Asset, Measurement Input	0.06	0.08
Residential MBS | Minimum | Discounted cash flow | Spread over forward interest rate swap rates
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Servicing Asset, Measurement Input	0.04	0.03
Residential MBS | Maximum | Discounted cash flow | Constant prepayment rate
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Servicing Asset, Measurement Input	0.26	0.23
Residential MBS | Maximum | Discounted cash flow | Spread over forward interest rate swap rates
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Servicing Asset, Measurement Input	0.11	0.11
Residential MBS | Weighted Average | Discounted cash flow | Constant prepayment rate
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Servicing Asset, Measurement Input	0.09	0.12
Residential MBS | Weighted Average | Discounted cash flow | Spread over forward interest rate swap rates
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Servicing Asset, Measurement Input	0.05	0.05
Derivative assets | Minimum | Consensus Pricing | Net market price
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Derivative Asset, Measurement Input	(0.11)	(0.04)
Derivative assets | Minimum | Consensus Pricing | Estimated pull through %
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Derivative Asset, Measurement Input	0.10	0.06
Derivative assets | Maximum | Consensus Pricing | Net market price
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Derivative Asset, Measurement Input	0.06	0.08
Derivative assets | Maximum | Consensus Pricing | Estimated pull through %
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Derivative Asset, Measurement Input	1	1
Derivative assets | Weighted Average | Consensus Pricing | Net market price
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Derivative Asset, Measurement Input	(0.02)	0.01
Derivative assets | Weighted Average | Consensus Pricing | Estimated pull through %
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Derivative Asset, Measurement Input	0.91	0.92
Corporate debt | Minimum | Discounted cash flow | Discount rate
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Debt Securities, Available-for-sale, Measurement Input	0.01	0
Corporate debt | Minimum | Discounted cash flow | Cumulative default
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Debt Securities, Available-for-sale, Measurement Input	0	0
Corporate debt | Minimum | Discounted cash flow | Loss given default
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Debt Securities, Available-for-sale, Measurement Input	0.05	0.05
Corporate debt | Maximum | Discounted cash flow | Discount rate
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Debt Securities, Available-for-sale, Measurement Input	0.03	0.02
Corporate debt | Maximum | Discounted cash flow | Cumulative default
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Debt Securities, Available-for-sale, Measurement Input	0.64	0.64
Corporate debt | Maximum | Discounted cash flow | Loss given default
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Debt Securities, Available-for-sale, Measurement Input	0.60	0.80
Corporate debt | Weighted Average | Discounted cash flow | Discount rate
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Debt Securities, Available-for-sale, Measurement Input	0.03	0.01
Corporate debt | Weighted Average | Discounted cash flow | Cumulative default
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Debt Securities, Available-for-sale, Measurement Input	0.05	0.05
Corporate debt | Weighted Average | Discounted cash flow | Loss given default
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Debt Securities, Available-for-sale, Measurement Input	0.24	0.23

FAIR VALUES OF ASSETS AND LI_10

FAIR VALUES OF ASSETS AND LIABILITIES - Balance Sheet Location (Details) - USD ($) $ in Millions		Mar. 31, 2022	Dec. 31, 2021
Financial Assets
Available-for-sale securities		$ 25,152	$ 28,460
Held-to-maturity securities		17,190	12,447
Loans held for sale	[1]	1,070	1,676
Net loans and losses		110,799	109,237
Derivative assets		1,560	1,065
Derivative assets		(859)	(465)
Derivative assets		701	600
Financial Liabilities
Total deposits		146,965	143,263
Short-term borrowings		652	334
Long-term borrowings		6,508	7,108
Derivative liabilities		1,229	743
Derivative liabilities		(684)	(624)
Derivative liabilities		545	119
Reported Value Measurement
Financial Assets
Cash and short-term assets		4,622	5,914
Trading account securities		74	46
Available-for-sale securities		25,152	28,460
Held-to-maturity securities		17,190	12,447
Other securities		1,056	648
Loans held for sale		1,070	1,676
Net loans and losses		110,799	109,237
Derivative assets		701	600
Assets held in trust for deferred compensation plans		140	156
Financial Liabilities
Total deposits		146,965	143,263
Short-term borrowings		652	334
Long-term borrowings		6,508	7,108
Derivative liabilities		545	119
Estimate of Fair Value Measurement
Financial Assets
Cash and short-term assets		4,622	5,914
Trading account securities		74	46
Available-for-sale securities		25,152	28,460
Held-to-maturity securities		16,413	12,489
Other securities		1,056	648
Loans held for sale		1,069	1,621
Other securities (2)		66	72
Net loans and losses		109,138	109,695
Derivative assets		701	600
Assets held in trust for deferred compensation plans		140	156
Financial Liabilities
Total deposits		147,313	143,574
Short-term borrowings		652	334
Long-term borrowings		6,799	7,319
Derivative liabilities		545	119
Estimate of Fair Value Measurement | 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)		60	65
Net loans and losses		0	0
Financial Liabilities
Total deposits		0	0
Short-term borrowings		0	0
Long-term borrowings		0	0
Estimate of Fair Value Measurement | Level 2
Financial Assets
Trading account securities		74	46
Available-for-sale securities		21,784	24,888
Held-to-maturity securities		16,413	12,489
Loans held for sale		835	1,270
Other securities (2)		6	7
Net loans and losses		154	152
Derivative assets		1,557	1,055
Financial Liabilities
Total deposits		143,324	139,047
Short-term borrowings		652	334
Long-term borrowings		5,933	6,441
Derivative liabilities		1,216	737
Estimate of Fair Value Measurement | Level 3
Financial Assets
Trading account securities		0	0
Available-for-sale securities		3,363	3,567
Held-to-maturity securities		0	0
Loans held for sale		234	351
Other securities (2)		0	0
Net loans and losses		108,984	109,543
Derivative assets		3	10
Derivative assets		859	465
Financial Liabilities
Total deposits		3,989	4,527
Short-term borrowings		0	0
Long-term borrowings		866	878
Derivative liabilities		13	6
Derivative liabilities		(684)	(624)
Fair Value, Recurring
Financial Assets
Available-for-sale securities		25,152	28,460
Derivative assets		(859)	(465)
Derivative assets		701	600
Financial Liabilities
Derivative liabilities		(684)	(624)
Derivative liabilities		545	119
Fair Value, Recurring | Level 1
Financial Assets
Available-for-sale securities		5	5
Derivative assets		0	0
Financial Liabilities
Derivative liabilities		0	0
Fair Value, Recurring | Level 2
Financial Assets
Available-for-sale securities		21,784	24,888
Derivative assets		1,557	1,055
Financial Liabilities
Derivative liabilities		1,216	737
Fair Value, Recurring | Level 3
Financial Assets
Available-for-sale securities		3,363	3,567
Derivative assets		3	10
Financial Liabilities
Derivative liabilities		13	6
Other securities | Fair Value, Recurring
Financial Assets
Available-for-sale securities		4	4
Other securities | Fair Value, Recurring | Level 1
Financial Assets
Available-for-sale securities		0	0
Other securities | Fair Value, Recurring | Level 2
Financial Assets
Available-for-sale securities		4	4
Other securities | Fair Value, Recurring | Level 3
Financial Assets
Available-for-sale securities		0	0
Amortized Cost | Reported Value Measurement
Financial Assets
Cash and short-term assets		4,622	5,914
Held-to-maturity securities		17,190	12,447
Other securities		990	576
Net loans and losses		110,627	109,066
Financial Liabilities
Total deposits		146,965	143,263
Short-term borrowings		652	334
Long-term borrowings		6,508	7,108
Fair Value or Fair Value Option | Reported Value Measurement
Financial Assets
Trading account securities		74	46
Available-for-sale securities		25,152	28,460
Other securities		66	72
Loans held for sale		835	1,270
Net loans and losses		172	171
Derivative assets		701	600
Assets held in trust for deferred compensation plans		140	156
Financial Liabilities
Derivative liabilities		545	119
Lower of Cost or Market | Reported Value Measurement
Financial Assets
Loans held for sale		$ 235	$ 406
[1]	Amounts represent loans for which Huntington has elected the fair value option. See Note 12 “ Fair Values of Assets and Liabilities ”.

DERIVATIVE FINANCIAL INSTRUME_3

DERIVATIVE FINANCIAL INSTRUMENTS - Hedging Instruments (Details) - USD ($) $ in Millions	Mar. 31, 2022	Dec. 31, 2021
Derivatives, Fair Value [Line Items]
Notional Value	$ 25,957	$ 21,577
Asset derivatives included in accrued income and other assets
Total contracts	1,560	1,065
Liability derivatives included in accrued expenses and other liabilities
Total contracts	1,229	743
Accrued income and other assets
Asset derivatives included in accrued income and other assets
Interest rate contracts not designated as hedging instruments	598	587
Foreign exchange contracts not designated as hedging instruments	40	29
Commodities contracts not designated as hedging instruments	335	178
Derivative Instruments Not Designated as Hedging Instruments, Asset, at Fair Value	8	12
Total contracts	1,560	1,065
Accrued expenses and other liabilities
Liability derivatives included in accrued expenses and other liabilities
Interest rate contracts not designated as hedging instruments	538	498
Foreign exchange contracts not designated as hedging instruments	43	31
Commodities contracts not designated as hedging instruments	336	177
Derivative Instruments Not Designated as Hedging Instruments, Liability, at Fair Value	3	5
Total contracts	1,229	743
Interest rate contracts | Accrued income and other assets
Asset derivatives included in accrued income and other assets
Interest rate contracts designated as hedging instruments	574	258
Interest rate contracts | Accrued expenses and other liabilities
Liability derivatives included in accrued expenses and other liabilities
Interest rate contracts designated as hedging instruments	309	32
Foreign exchange contracts | Accrued income and other assets
Asset derivatives included in accrued income and other assets
Interest rate contracts designated as hedging instruments	5	1
Foreign exchange contracts | Accrued expenses and other liabilities
Liability derivatives included in accrued expenses and other liabilities
Interest rate contracts designated as hedging instruments	0	0
Derivatives designated as Hedging Instruments | Interest rate contracts | Accrued income and other assets
Derivatives, Fair Value [Line Items]
Notional Value	25,686	21,306
Derivatives designated as Hedging Instruments | Foreign exchange contracts | Accrued income and other assets
Derivatives, Fair Value [Line Items]
Notional Value	205	210
Derivatives not designated as Hedging Instruments | Accrued income and other assets
Derivatives, Fair Value [Line Items]
Notional Value	74,769	72,088
Derivatives not designated as Hedging Instruments | Interest rate contracts | Accrued income and other assets
Derivatives, Fair Value [Line Items]
Notional Value	43,554	45,286
Derivatives not designated as Hedging Instruments | Foreign exchange contracts | Accrued income and other assets
Derivatives, Fair Value [Line Items]
Notional Value	3,661	3,524
Derivatives not designated as Hedging Instruments | Commodities contracts | Accrued income and other assets
Derivatives, Fair Value [Line Items]
Notional Value	978	1,077
Derivatives not designated as Hedging Instruments | Equity contracts | Accrued income and other assets
Derivatives, Fair Value [Line Items]
Notional Value	$ 685	$ 685

DERIVATIVE FINANCIAL INSTRUME_4

DERIVATIVE FINANCIAL INSTRUMENTS - Gain (Loss) (Details) - Derivatives not designated as Hedging Instruments - Fair Value Hedging - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Derivative Instruments, Gain (Loss) [Line Items]
Amount of Gain or (Loss) Recognized in Income on Derivative	$ (25)	$ 147
Interest rate contracts | Capital markets fees
Derivative Instruments, Gain (Loss) [Line Items]
Amount of Gain or (Loss) Recognized in Income on Derivative	10	12
Interest rate contracts | Mortgage banking income
Derivative Instruments, Gain (Loss) [Line Items]
Amount of Gain or (Loss) Recognized in Income on Derivative	(47)	(6)
Interest rate floors | Interest and fee income on loans and leases
Derivative Instruments, Gain (Loss) [Line Items]
Amount of Gain or (Loss) Recognized in Income on Derivative	0	(2)
Interest rate caps | Interest expense on long-term debt
Derivative Instruments, Gain (Loss) [Line Items]
Amount of Gain or (Loss) Recognized in Income on Derivative	0	144
Foreign exchange contracts | Capital markets fees
Derivative Instruments, Gain (Loss) [Line Items]
Amount of Gain or (Loss) Recognized in Income on Derivative	10	6
Commodities contracts | Capital markets fees
Derivative Instruments, Gain (Loss) [Line Items]
Amount of Gain or (Loss) Recognized in Income on Derivative	1	0
Equity contracts | Other noninterest expense
Derivative Instruments, Gain (Loss) [Line Items]
Amount of Gain or (Loss) Recognized in Income on Derivative	$ 1	$ (7)

DERIVATIVE FINANCIAL INSTRUME_5

DERIVATIVE FINANCIAL INSTRUMENTS - Asset and Liability Management (Details) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021	Dec. 31, 2021
Notional Disclosures [Abstract]
Notional Value	$ 25,957		$ 21,577
Increase decrease to net interest income due to derivative adjustment	39	$ 225
Not Designated as Hedging Instrument, Economic Hedge
Notional Disclosures [Abstract]
Notional Value	271		271
Fair Value Hedging | Derivatives designated as Hedging Instruments
Notional Disclosures [Abstract]
Notional Value	12,761		10,156
Cash Flow Hedging | Derivatives designated as Hedging Instruments
Notional Disclosures [Abstract]
Notional Value	12,925		11,150
Investment securities
Notional Disclosures [Abstract]
Notional Value	9,481		8,228
Investment securities | Not Designated as Hedging Instrument, Economic Hedge
Notional Disclosures [Abstract]
Notional Value	0		0
Investment securities | Fair Value Hedging | Derivatives designated as Hedging Instruments
Notional Disclosures [Abstract]
Notional Value	9,481		8,228
Investment securities | Cash Flow Hedging | Derivatives designated as Hedging Instruments
Notional Disclosures [Abstract]
Notional Value	0		0
Loans
Notional Disclosures [Abstract]
Notional Value	13,196		11,421
Loans | Not Designated as Hedging Instrument, Economic Hedge
Notional Disclosures [Abstract]
Notional Value	271		271
Loans | Fair Value Hedging | Derivatives designated as Hedging Instruments
Notional Disclosures [Abstract]
Notional Value	0		0
Loans | Cash Flow Hedging | Derivatives designated as Hedging Instruments
Notional Disclosures [Abstract]
Notional Value	12,925		11,150
Long-term debt
Notional Disclosures [Abstract]
Notional Value	3,280		1,928
Long-term debt | Not Designated as Hedging Instrument, Economic Hedge
Notional Disclosures [Abstract]
Notional Value	0		0
Long-term debt | Fair Value Hedging | Derivatives designated as Hedging Instruments
Notional Disclosures [Abstract]
Notional Value	3,280		1,928
Long-term debt | Cash Flow Hedging | Derivatives designated as Hedging Instruments
Notional Disclosures [Abstract]
Notional Value	$ 0		$ 0

DERIVATIVE FINANCIAL INSTRUME_6

DERIVATIVE FINANCIAL INSTRUMENTS - Fair Value Hedges (Details) - USD ($) $ in Millions	3 Months Ended		12 Months Ended
	Mar. 31, 2022	Mar. 31, 2021	Dec. 31, 2021
Derivative Instruments, Gain (Loss) [Line Items]
Fair value hedging adjustments	$ 12		$ 17
Investment Securities
Derivative Instruments, Gain (Loss) [Line Items]
Amortized Cost	18,364		17,150
Cumulative Amount of Fair Value Hedging Adjustment To Hedged Items	(547)		(117)
Amortized cost basis of the closed portfolios used in hedging relationships	16,500
Cumulative basis adjustments associated with hedging relationships	(478)
Designated hedged items	8,600
Interest Rate Swap
Derivative Instruments, Gain (Loss) [Line Items]
Designated hedged items	869
Subordinated notes
Derivative Instruments, Gain (Loss) [Line Items]
Amortized Cost	3,237		1,981
Cumulative Amount of Fair Value Hedging Adjustment To Hedged Items	(54)		$ 45
Interest income available for sale securities taxable | Investment Securities
Derivative Instruments, Gain (Loss) [Line Items]
Change in fair value for derivatives designated as fair value hedges	418	$ 43
Interest income available for sale securities taxable | Hedged investment securities
Derivative Instruments, Gain (Loss) [Line Items]
Change in fair value for derivatives designated as fair value hedges	(430)	(44)
Interest expense subordinated notes and other long term debt | Subordinated notes
Derivative Instruments, Gain (Loss) [Line Items]
Change in fair value for derivatives designated as fair value hedges	(98)	(50)
Interest expense subordinated notes and other long term debt | Hedged Subordinated notes
Derivative Instruments, Gain (Loss) [Line Items]
Change in fair value for derivatives designated as fair value hedges	$ 98	$ 52

DERIVATIVE FINANCIAL INSTRUME_7

DERIVATIVE FINANCIAL INSTRUMENTS - Cash Flow Hedges (Details) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021	Dec. 31, 2021
Derivative Instruments, Gain (Loss) [Line Items]
Notional Value	$ 25,957		$ 21,577
Change in fair value related to cash flow hedges	(240)	$ (68)
Loans
Derivative Instruments, Gain (Loss) [Line Items]
Notional Value	$ 13,196		$ 11,421

DERIVATIVE FINANCIAL INSTRUME_8

DERIVATIVE FINANCIAL INSTRUMENTS - MSR Hedging Activities (Details) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021	Dec. 31, 2021
Derivative Instruments and Hedging Activities Disclosures [Line Items]
Remaining maturity	1 year
Notional Value	$ 25,957		$ 21,577
Derivative used in Mortgage Banking Activities
Derivative Instruments and Hedging Activities Disclosures [Line Items]
Derivative, Fair Value, Net	30		15
Notional Value	1,050		1,330
Trading assets	0		19
Trading liabilities	(24)		0
Trading gains	(47)	$ (46)
Commitments to sell loans
Derivative Instruments and Hedging Activities Disclosures [Line Items]
Commitments to sell residential real estate loans	$ 1,600		$ 2,100

DERIVATIVE FINANCIAL INSTRUME_9

DERIVATIVE FINANCIAL INSTRUMENTS - Derivatives Used In Customer Related Activities (Details) - USD ($) $ in Millions	Mar. 31, 2022	Dec. 31, 2021
Derivative [Line Items]
Credit risks from interest rate swaps used for trading purposes	$ 235	$ 551
Derivative used in trading activity
Derivative [Line Items]
Net derivative asset (liability)	42	51
Derivative financial instruments used by Huntington on behalf of customers including offsetting derivatives, notional value	$ 44,300	$ 45,100

DERIVATIVE FINANCIAL INSTRUM_10

DERIVATIVE FINANCIAL INSTRUMENTS - Financial Assets And Liabilities That Are Offset (Details) $ in Millions	3 Months Ended
	Mar. 31, 2022USD ($)group	Dec. 31, 2021USD ($)
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Number of primary groups | group	2
Aggregate credit risk, net of collateral	$ 379	$ 44
Investment securities and cash collateral pledged by Huntington	209
Investment securities and cash collateral pledged to Huntington	$ 492

DERIVATIVE FINANCIAL INSTRUM_11

DERIVATIVE FINANCIAL INSTRUMENTS - Offsetting Assets (Details) - USD ($) $ in Millions	Mar. 31, 2022	Dec. 31, 2021
Offsetting Derivative Assets [Abstract]
Gross amounts of recognized assets	$ 1,560	$ 1,065
Gross amounts offset in the condensed consolidated balance sheets	859	465
Net amounts of assets presented in the condensed consolidated balance sheets	701	600
Gross amounts not offset in the condensed consolidated balance sheets, Financial instruments	(59)	(65)
Gross amounts not offset in the condensed consolidated balance sheets, cash collateral received	(149)	(31)
Net amount	$ 493	$ 504

DERIVATIVE FINANCIAL INSTRUM_12

DERIVATIVE FINANCIAL INSTRUMENTS - Offsetting Liabilities (Details) - USD ($) $ in Millions	Mar. 31, 2022	Dec. 31, 2021
Offsetting Derivative Liabilities [Abstract]
Gross amounts of recognized liabilities	$ 1,229	$ 743
Gross amounts offset in the condensed consolidated balance sheets	(684)	(624)
Derivative liabilities	545	119
Gross amounts not offset in the condensed consolidated balance sheets, Financial instruments	(82)	(3)
Gross amounts not offset in the condensed consolidated balance sheets, Cash collateral received	(17)	(116)
Net amount	$ 446	$ 0

VIEs - Unconsolidated VIEs (Det

VIEs - Unconsolidated VIEs (Details) - USD ($) $ in Millions	Mar. 31, 2022	Dec. 31, 2021
Variable Interest Entity [Line Items]
Total Assets	$ 176,856	$ 174,064
Total Liabilities	158,375	154,746
Variable Interest Entity
Variable Interest Entity [Line Items]
Total Assets	2,211	2,150
Total Liabilities	1,306	1,343
Maximum Exposure to Loss	2,203	2,136
Affordable Housing Tax Credit Partnerships | Variable Interest Entity
Variable Interest Entity [Line Items]
Total Assets	1,672	1,652
Total Liabilities	960	949
Maximum Exposure to Loss	1,672	1,652
Trust Preferred Securities | Variable Interest Entity
Variable Interest Entity [Line Items]
Total Assets	8	14
Total Liabilities	179	248
Maximum Exposure to Loss	0	0
Other Investments | Variable Interest Entity
Variable Interest Entity [Line Items]
Total Assets	531	484
Total Liabilities	167	146
Maximum Exposure to Loss	$ 531	$ 484

VIEs - Trust Preferred Securiti

VIEs - Trust Preferred Securities (Details) $ in Millions	3 Months Ended
	Mar. 31, 2022USD ($)
Variable Interest Entity
Variable Interest Entity [Line Items]
Principal amount of subordinated note/debenture issued to trust	$ 179
Investment in unconsolidated subsidiary	$ 8
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
Variable Interest Entity [Line Items]
Rate	1.59%
Principal amount of subordinated note/debenture issued to trust	$ 32
Investment in unconsolidated subsidiary	$ 3
Sky Financial Capital Trust III | London Interbank Offered Rate (LIBOR)
Variable Interest Entity [Line Items]
Basis spread on variable rate	1.40%
Sky Financial Capital Trust III | Variable Interest Entity
Variable Interest Entity [Line Items]
Rate	2.37%
Principal amount of subordinated note/debenture issued to trust	$ 72
Investment in unconsolidated subsidiary	$ 2
Sky Financial Capital Trust IV | Variable Interest Entity
Variable Interest Entity [Line Items]
Rate	2.37%
Principal amount of subordinated note/debenture issued to trust	$ 75
Investment in unconsolidated subsidiary	$ 3

VIEs - Narrative (Details)

VIEs - Narrative (Details)	3 Months Ended
	Mar. 31, 2022
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Maximum year to defer payment of interest on Debenture	5 years

VIEs - Low Income Housing Tax C

VIEs - Low Income Housing Tax Credit Partnerships (Details) - Variable Interest Entity - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021	Dec. 31, 2021
Affordable Housing Tax Credit Partnerships
Variable Interest Entity [Line Items]
Affordable housing tax credit investments	$ 2,425		$ 2,376
Less: amortization	(753)		(724)
Net affordable housing tax credit investments	1,672		1,652
Unfunded commitments	960		$ 949
Tax credits and other tax benefits recognized	53	$ 33
Proportional Amortization Method
Variable Interest Entity [Line Items]
Proportional amortization expense included in provision for income taxes	$ 41	$ 28

COMMITMENTS AND CONTINGENT LI_3

COMMITMENTS AND CONTINGENT LIABILITIES - Commitments to Extend Credit (Details) - USD ($) $ in Millions	Mar. 31, 2022	Dec. 31, 2021
Commercial
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Contract amount represents credit risk	$ 28,070	$ 27,933
Consumer
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Contract amount represents credit risk	19,659	18,513
Commercial real estate
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Contract amount represents credit risk	3,078	3,042
Standby letters of credit
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Contract amount represents credit risk	695	694
Commercial | Commercial letters-of-credit
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Contract amount represents credit risk	$ 58	$ 36

COMMITMENTS AND CONTINGENT LI_4

COMMITMENTS AND CONTINGENT LIABILITIES - Narrative (Details) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2022	Dec. 31, 2021
Loss Contingencies [Line Items]
Bond expiration period	2 years
Commercial letters of credit, maturity period	90 days
Standby letters of credit
Loss Contingencies [Line Items]
Carrying amount of deferred revenue associated with guarantees	$ 11	$ 7
Minimum
Loss Contingencies [Line Items]
Aggregate range of reasonably possible losses current legal proceedings	0
Maximum
Loss Contingencies [Line Items]
Aggregate range of reasonably possible losses current legal proceedings	$ 15

SEGMENT REPORTING (Details)

SEGMENT REPORTING (Details) $ in Thousands	3 Months Ended
	Mar. 31, 2022USD ($)segment	Mar. 31, 2021USD ($)	Dec. 31, 2021USD ($)
Segment Reporting Information [Line Items]
Number of reporting segments | segment	4
Net interest income	$ 1,146,000	$ 972,000
Provision for credit losses	25,000	(60,000)
Noninterest income	499,000	395,000
Noninterest expense	1,053,000	793,000
Provision (benefit) for income taxes	105,000	102,000
Income attributable to non-controlling interest	2,000	0
Net income attributable to Huntington Bancshares Inc	460,000	532,000
Total Assets	176,856,000		$ 174,064,000
Total deposits	146,965,000		143,263,000
Operating Segments | Consumer & Business Banking
Segment Reporting Information [Line Items]
Net interest income	459,000	337,000
Provision for credit losses	(109,000)	(36,000)
Noninterest income	272,000	236,000
Noninterest expense	612,000	469,000
Provision (benefit) for income taxes	47,000	29,000
Income attributable to non-controlling interest	0
Net income attributable to Huntington Bancshares Inc	181,000	111,000
Total Assets	39,351,000		39,929,000
Total deposits	96,907,000		95,352,000
Operating Segments | Commercial Banking
Segment Reporting Information [Line Items]
Net interest income	418,000	199,000
Provision for credit losses	131,000	5,000
Noninterest income	141,000	88,000
Noninterest expense	248,000	133,000
Provision (benefit) for income taxes	38,000	31,000
Income attributable to non-controlling interest	2,000
Net income attributable to Huntington Bancshares Inc	140,000	118,000
Total Assets	58,625,000		57,071,000
Total deposits	35,034,000		31,845,000
Operating Segments | Vehicle Finance
Segment Reporting Information [Line Items]
Net interest income	120,000	107,000
Provision for credit losses	(7,000)	(22,000)
Noninterest income	3,000	3,000
Noninterest expense	45,000	35,000
Provision (benefit) for income taxes	18,000	21,000
Income attributable to non-controlling interest	0
Net income attributable to Huntington Bancshares Inc	67,000	76,000
Total Assets	21,134,000		20,752,000
Total deposits	1,323,000		1,401,000
Operating Segments | RBPCG
Segment Reporting Information [Line Items]
Net interest income	49,000	34,000
Provision for credit losses	10,000	(7,000)
Noninterest income	66,000	53,000
Noninterest expense	81,000	62,000
Provision (benefit) for income taxes	5,000	7,000
Income attributable to non-controlling interest	0
Net income attributable to Huntington Bancshares Inc	19,000	25,000
Total Assets	8,744,000		8,325,000
Total deposits	9,672,000		10,162,000
Treasury / Other
Segment Reporting Information [Line Items]
Net interest income	100,000	295,000
Provision for credit losses	0	0
Noninterest income	17,000	15,000
Noninterest expense	67,000	94,000
Provision (benefit) for income taxes	(3,000)	14,000
Income attributable to non-controlling interest	0
Net income attributable to Huntington Bancshares Inc	53,000	$ 202,000
Total Assets	49,002,000		47,987,000
Total deposits	$ 4,029,000		$ 4,503,000