Huntington Bancshares (HBAN) 10-Q 28 Oct 22 2022 Q3 Quarterly report Financial data

Cover Page

Cover Page	9 Months Ended
	Sep. 30, 2022 shares
Entity Information [Line Items]
Document Type	10-Q
Document Quarterly Report	true
Document Period End Date	Sep. 30, 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	1,442,734,255
Entity Central Index Key	0000049196
Amendment Flag	false
Document Fiscal Year Focus	2022
Document Fiscal Period Focus	Q3
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 Millions		Sep. 30, 2022	Dec. 31, 2021
Assets
Cash and due from banks		$ 1,685	$ 1,811
Interest-bearing deposits at Federal Reserve Bank		2,691	3,711
Interest-bearing deposits in banks		216	392
Trading account securities		32	46
Available-for-sale securities		23,306	28,460
Held-to-maturity securities		17,173	12,447
Other securities		818	648
Loans held for sale (includes $758 and $1,270 respectively, measured at fair value)	[1]	893	1,676
Loans and leases (includes $182 and $171 respectively, measured at fair value)	[1]	118,147	111,267
Allowance for loan and lease losses		(2,110)	(2,030)
Net loans and leases		116,037	109,237
Bank owned life insurance		2,768	2,765
Accrued income and other receivables		1,352	1,319
Premises and equipment		1,171	1,164
Goodwill		5,571	5,349
Servicing rights and other intangible assets		715	611
Other assets		4,974	4,428
Total assets		179,402	174,064
Liabilities
Demand deposits—noninterest-bearing		40,762	43,236
Interest-bearing		105,551	100,027
Total deposits		146,313	143,263
Short-term borrowings		426	334
Long-term debt		10,168	7,108
Other liabilities		5,324	4,041
Total liabilities		162,231	154,746
Commitments and Contingent Liabilities (Note 16)
Shareholders’ equity
Preferred stock		2,167	2,167
Common stock		14	14
Capital surplus		15,282	15,222
Less treasury shares, at cost		(80)	(79)
Accumulated other comprehensive income (loss)		(3,276)	(229)
Retained earnings		3,029	2,202
Total Huntington Bancshares Inc shareholders’ equity		17,136	19,297
Non-controlling interest		35	21
Total equity		17,171	19,318
Total liabilities and shareholders’ equity		$ 179,402	$ 174,064
Common shares authorized (in shares)		2,250,000,000	2,250,000,000
Common share outstanding (in shares)		1,442,734,255	1,437,742,172
Treasury shares outstanding (in shares)		6,341,958	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 13 “ Fair Values of Assets and Liabilities ”.

Condensed Consolidated Balanc_2

Condensed Consolidated Balance Sheets (Parenthetical) - USD ($) $ in Millions	Sep. 30, 2022	Dec. 31, 2021
Assets
Loans held for sale, fair value	$ 758	$ 1,270
Loans and leases, fair value	$ 182	$ 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 Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021
Interest and fee income:
Loans and leases	$ 1,268	$ 1,056	$ 3,350	$ 2,614
Available-for-sale securities
Taxable	165	68	378	184
Tax-exempt	20	15	52	41
Held-to-maturity securities—taxable	95	47	251	124
Other securities—taxable	7	2	18	6
Other	34	17	66	40
Total interest income	1,589	1,205	4,115	3,009
Interest expense:
Deposits	92	11	128	34
Short-term borrowings	22	0	36	0
Long-term debt	71	34	140	5
Total interest expense	185	45	304	39
Net interest income	1,404	1,160	3,811	2,970
Provision for credit losses	106	(62)	198	89
Net interest income after provision for credit losses	1,298	1,222	3,613	2,881
Service charges on deposit accounts	93	114	295	271
Card and payment processing income	96	96	278	241
Mortgage banking income	26	81	119	248
Trust and investment management services	60	61	188	169
Capital markets fees	73	40	169	104
Insurance income	28	25	86	77
Leasing revenue	29	42	91	58
Bank owned life insurance income	13	15	41	47
Gain on sale of loans	15	2	55	8
Net gains on sales of securities	0	0	0	10
Other noninterest income	65	59	160	141
Total noninterest income	498	535	1,482	1,374
Personnel costs	614	643	1,771	1,703
Outside data processing and other services	145	304	463	581
Net occupancy	63	95	185	209
Equipment	60	79	202	180
Professional services	18	26	56	91
Marketing	24	25	69	54
Deposit and other insurance expense	15	17	40	34
Amortization of intangibles	13	13	53	33
Lease financing equipment depreciation	11	19	36	24
Other noninterest expense	90	68	249	245
Total noninterest expense	1,053	1,289	3,124	3,154
Income before income taxes	743	468	1,971	1,101
Provision for income taxes	146	90	371	206
Income after income taxes	597	378	1,600	895
Income attributable to non-controlling interest	3	1	7	1
Net income attributable to Huntington Bancshares Inc	594	377	1,593	894
Dividends on preferred shares	29	29	85	103
Impact of preferred stock redemption	0	15	0	15
Net income available to common shareholders, basic	$ 565	$ 333	$ 1,508	$ 776
Average common shares—basic (in shares)	1,442,591	1,462,736	1,440,740	1,201,763
Average common shares—diluted (in shares)	1,465,083	1,487,335	1,464,234	1,225,428
Per common share:
Net income—basic (in usd per share)	$ 0.39	$ 0.23	$ 1.05	$ 0.65
Net income—diluted (in usd per share)	$ 0.39	$ 0.22	$ 1.03	$ 0.63

Condensed Consolidated Statem_2

Condensed Consolidated Statements of Comprehensive Income - USD ($) $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021
Statement of Comprehensive Income [Abstract]
Net income attributable to Huntington Bancshares Inc	$ 594	$ 377	$ 1,593	$ 894
Other comprehensive (loss) income, net of tax:
Net unrealized gains (losses) on available-for-sale securities	(971)	(82)	(2,970)	(220)
Net impact of fair value hedges on available-for-sale securities	250	0	705	29
Change in fair value related to cash flow hedges	(456)	(29)	(782)	(131)
Translation adjustments, net of hedges	(4)	2	(6)	(4)
Change in accumulated unrealized gains for pension and other post-retirement obligations	3	3	6	9
Other comprehensive (loss) income, net of tax	(1,178)	(106)	(3,047)	(317)
Comprehensive (loss) income attributable to Huntington Bancshares	(584)	271	(1,454)	577
Comprehensive income attributed to non-controlling interest	3	1	7	1
Comprehensive (loss) income	$ (581)	$ 272	$ (1,447)	$ 578

Condensed Consolidated Statem_3

Condensed Consolidated Statements of Changes in Shareholders' Equity - USD ($) $ in Millions	Total	Common Stock	Series D Preferred Stock	Series I Preferred Stock	Preferred Stock	Preferred Stock Series D Preferred Stock	Preferred Stock Series I Preferred Stock	Common Stock	Common Stock Common Stock	Capital Surplus	Capital Surplus Common Stock	Capital Surplus Series I Preferred Stock	Treasury Stock	Treasury Stock Common Stock	Accumulated Other Comprehensive Income (Loss)	Retained Earnings	Retained Earnings Series D Preferred Stock	Retained Earnings Series I Preferred Stock	Total	Total Common Stock	Total Series D Preferred Stock	Total Series I Preferred Stock	Non-controlling Interest
Balance, beginning of period at Dec. 31, 2020	$ 12,993				$ 2,191			$ 10		$ 8,781			$ (59)		$ 192	$ 1,878			$ 12,993				$ 0
Balance, beginning of period, common stock (in shares) at Dec. 31, 2020								1,022,258,000
Balance, beginning of period, treasury stock (in shares) at Dec. 31, 2020													(5,062,000)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	895															894			894
Other comprehensive income (loss), net of tax	(317)														(317)				(317)
Repurchases of common stock (shares)								(33,409,000)
Redemption/repurchases of stock	(500)							$ 0		(500)									(500)
Cash dividends declared:
Common	(601)															(601)			(601)
Preferred	(103)															(103)	$ (18)	$ (5)	(103)
Net proceeds from issuance of preferred stock	486				486														486
Recognition of the fair value of share-based compensation	97									97									97
Other share-based compensation activity (in shares)								5,747,000
Other share-based compensation activity	(31)							$ 0		(31)						0			(31)
Other (in shares)													(1,244,000)
Other	12												$ 17			(2)			15				(3)
Issuance of common stock, acquisitions (in shares)									458,171,000
Issuance of common stock, acquisitions		$ 6,961		$ 185			$ 175		$ 5		$ 6,993	$ 10		$ (37)						$ 6,961		$ 185
Non-controlling interest acquired	22																						22
Balance, end of period at Sep. 30, 2021	19,499				2,267			$ 15		15,350			$ (79)		(125)	2,051			19,479				20
Balance, end of period, common stock (in shares) at Sep. 30, 2021								1,452,767,000
Balance, end of period, treasury stock (in shares) at Sep. 30, 2021													(6,306,000)
Balance, beginning of period at Jun. 30, 2021	20,531				2,851			$ 15		15,830			$ (105)		(19)	1,939			20,511				20
Balance, beginning of period, common stock (in shares) at Jun. 30, 2021								1,484,614,000
Balance, beginning of period, treasury stock (in shares) at Jun. 30, 2021													(8,056,000)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	378															377			377				1
Other comprehensive income (loss), net of tax	(106)														(106)				(106)
Repurchases of common stock (shares)								(33,409,000)
Redemption/repurchases of stock	(500)		$ (600)			$ (585)				(500)							(15)		(500)		$ (600)
Cash dividends declared:
Common	(221)															(221)			(221)
Preferred	(29)															(29)	0	(2)	(29)
Recognition of the fair value of share-based compensation	32									32									32
Other share-based compensation activity (in shares)								1,562,000
Other share-based compensation activity	(12)									(12)									(12)
Other (in shares)													1,750,000
Other	26												$ 26			0			27				(1)
Balance, end of period at Sep. 30, 2021	19,499				2,267			$ 15		15,350			$ (79)		(125)	2,051			19,479				20
Balance, end of period, common stock (in shares) at Sep. 30, 2021								1,452,767,000
Balance, end of period, treasury stock (in shares) at Sep. 30, 2021													(6,306,000)
Balance, beginning of period at Dec. 31, 2021	$ 19,318				2,167			$ 14		15,222			$ (79)		(229)	2,202			19,297				21
Balance, beginning of period, common stock (in shares) at Dec. 31, 2021	1,437,742,172							1,444,040,000
Balance, beginning of period, treasury stock (in shares) at Dec. 31, 2021	(6,298,288)												(6,298,000)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	$ 1,600															1,593			1,593
Other comprehensive income (loss), net of tax	(3,047)														(3,047)				(3,047)
Redemption/repurchases of stock			$ (600)			$ (585)											(15)				$ (600)
Cash dividends declared:
Common	(681)															(681)			(681)
Preferred	(85)															(85)	0	(7)	(85)
Recognition of the fair value of share-based compensation	82									82									82
Other share-based compensation activity (in shares)								5,036,000
Other share-based compensation activity	(22)							$ 0		(22)						0			(22)
Other (in shares)													(44,000)
Other	6									0			$ (1)		0	0			(1)				7
Balance, end of period at Sep. 30, 2022	$ 17,171				2,167			$ 14		15,282			$ (80)		(3,276)	3,029			17,136				35
Balance, end of period, common stock (in shares) at Sep. 30, 2022	1,442,734,255							1,449,076,000
Balance, end of period, treasury stock (in shares) at Sep. 30, 2022	(6,341,958)												(6,342,000)
Balance, beginning of period at Jun. 30, 2022	$ 17,979				2,167			$ 14		15,261			$ (85)		(2,098)	2,691			17,950				29
Balance, beginning of period, common stock (in shares) at Jun. 30, 2022								1,448,885,000
Balance, beginning of period, treasury stock (in shares) at Jun. 30, 2022													(6,691,000)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	597															594			594				3
Other comprehensive income (loss), net of tax	(1,178)														(1,178)				(1,178)
Cash dividends declared:
Common	(227)															(227)			(227)
Preferred	(29)															(29)	$ 0	$ (3)	(29)
Recognition of the fair value of share-based compensation	19									19									19
Other share-based compensation activity (in shares)								191,000
Other share-based compensation activity	2									2									2
Other (in shares)													349,000
Other	8												$ 5						5				3
Balance, end of period at Sep. 30, 2022	$ 17,171				$ 2,167			$ 14		$ 15,282			$ (80)		$ (3,276)	$ 3,029			$ 17,136				$ 35
Balance, end of period, common stock (in shares) at Sep. 30, 2022	1,442,734,255							1,449,076,000
Balance, end of period, treasury stock (in shares) at Sep. 30, 2022	(6,341,958)												(6,342,000)

Condensed Consolidated Statem_4

Condensed Consolidated Statements of Changes in Shareholders' Equity (Parenthetical) - $ / shares	3 Months Ended		9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021
Statement of Stockholders' Equity [Abstract]
Common dividends declared (in usd per share)	$ 0.155	$ 0.15	$ 0.465	$ 0.45

Condensed Consolidated Statem_5

Condensed Consolidated Statements of Cash Flows - USD ($) $ in Millions	9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021
Operating activities
Income after income taxes	$ 1,600	$ 895
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for credit losses	198	89
Depreciation and amortization	355	299
Share-based compensation expense	82	97
Deferred income tax expense	164	40
Net change in:
Trading account securities	15	(15)
Loans held for sale	464	(115)
Other assets	(1,109)	(247)
Other liabilities	893	455
Other, net	8	67
Net cash provided by operating activities	2,670	1,565
Investing activities
Change in interest bearing deposits in banks	287	611
Net cash (paid) received from business combinations	(223)
Net cash (paid) received from business combinations		466
Proceeds from:
Maturities and calls of available-for-sale securities	3,298	5,408
Maturities and calls of held-to-maturity securities	2,306	3,073
Maturities and calls of other securities	829	0
Sales of available-for-sale securities	0	5,860
Purchases of available-for-sale securities	(6,365)	(14,995)
Purchases of held-to-maturity securities	(2,845)	(3,685)
Purchases of other securities	(1,009)	0
Net proceeds from sales of portfolio loans and leases	937	479
Principal payments received under direct finance and sales-type leases	1,389	899
Net loan and lease activity, excluding sales and purchases	(8,375)	5,130
Purchases of premises and equipment	(165)	(157)
Purchases of loans and leases	(569)	(771)
Net accrued income and other receivables activity	96	(1,009)
Net cash paid for branch disposition	0	(618)
Other, net	63	98
Net cash provided by (used in) investing activities	(10,346)	789
Financing activities
Increase in deposits	3,050	5,136
Increase (decrease) in short-term borrowings	783	(1,062)
Net proceeds from issuance of long-term debt	5,379	646
Maturity/redemption of long-term debt	(1,902)	(2,649)
Dividends paid on preferred stock	(84)	(109)
Dividends paid on common stock	(673)	(531)
Repurchases of common stock	0	(500)
Net proceeds from issuance of preferred stock	0	486
Payment to repurchase preferred stock	0	(600)
Other, net	(23)	(21)
Net cash provided by financing activities	6,530	796
Increase (decrease) in cash and cash equivalents	(1,146)	3,150
Cash and cash equivalents at beginning of period	5,522	6,595
Cash and cash equivalents at end of period	4,376	9,745
Supplemental disclosures:
Interest paid	269	135
Income taxes (received) paid	(113)	262
Non-cash activities
Loans transferred to held-for-sale from portfolio	764	385
Loans transferred to portfolio from held-for-sale	65	83
Transfer of securities from available-for-sale to held-to-maturity	$ 4,225	3,007
Preferred Stock
Non-cash activities
Stock issued in business combination		185
Common Stock-Par Value $0.01 per share
Non-cash activities
Stock issued in business combination		7,000
TCF Financial Corporation
Non-cash activities
Fair value of tangible assets acquired		46,300
Goodwill and other intangible assets		3,500
Liabilities assumed		$ 42,600

BASIS OF PRESENTATION

BASIS OF PRESENTATION	9 Months Ended
	Sep. 30, 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 in 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	9 Months Ended
	Sep. 30, 2022
Accounting Standards Update and Change in Accounting Principle [Abstract]
ACCOUNTING STANDARDS UPDATE	ACCOUNTING STANDARDS UPDATE Accounting standards adopted in the current period 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. • Management adopted the guidance during the second quarter 2022. • The ASU has been applied to all business combinations occurring during 2022 and will be applied prospectively to all future business combinations. • The adoption did not result in a material impact on Huntington’s Unaudited Condensed 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 expand the current last-of-layer method to allow for multiple hedge 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 nonprepayable financial assets. • Management early adopted the guidance during the second quarter of 2022 using the modified retrospective basis. There was no impact to Huntington’s Unaudited Condensed Consolidated Financial Statements as a result of the adoption. Amendments related to disclosures were applied prospectively from the initial adoption date. • The ASU also gives entities the option 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 did not apply this option to any held-to-maturity securities. Accounting standards yet to be adopted Standard Summary of guidance Effects on financial statements ASU 2022-02- Financial Instruments - Credit Losses (Topic 326): Troubled Debt Restructurings and Vintage Disclosures Issued March 2022 • The amendments in this update eliminate 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 disclosure of current period gross write-offs by year of origination for financing receivables and net investment in leases. • Effective for fiscal years beginning 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. The ASU does allow for early adoption. • Huntington is currently evaluating the impact of the ASU on its Consolidated Financial Statements, as well as which adoption method to apply. Huntington does not currently intend to adopt the ASU prior to the effective date.

BUSINESS COMBINATIONS

BUSINESS COMBINATIONS	9 Months Ended
	Sep. 30, 2022
Business Combination and Asset Acquisition [Abstract]
BUSINESS COMBINATIONS	BUSINESS COMBINATIONSOn June 15, 2022, Huntington acquired Capstone Partners, a leading middle market investment bank and advisory firm dedicated to servicing middle market companies throughout their full business lifecycle. The acquisition resulted in $192 million of goodwill, allocated to the Commercial segment, which approximates total consideration. Fair value estimates related to the acquired assets and liabilities are subject to adjustment during the one-year measurement period following the closing of the acquisition. The goodwill recognized is deductible for tax purposes.

INVESTMENT SECURITIES AND OTHER

INVESTMENT SECURITIES AND OTHER SECURITIES	9 Months Ended
	Sep. 30, 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 September 30, 2022 and December 31, 2021: Unrealized (dollar amounts in millions) Amortized Cost (1)(2) Gross Gross Fair Value September 30, 2022 Available-for-sale securities: U.S. Treasury $ 5 $ — $ — $ 5 Federal agencies: Residential CMO 3,417 — (382) 3,035 Residential MBS 14,269 — (2,286) 11,983 Commercial MBS 2,581 — (543) 2,038 Other agencies 199 — (9) 190 Total U.S. Treasury, federal agency, and other agency securities 20,471 — (3,220) 17,251 Municipal securities 3,626 1 (251) 3,376 Private-label CMO 151 1 (10) 142 Asset-backed securities 414 1 (44) 371 Corporate debt 2,464 140 (442) 2,162 Other securities/Sovereign debt 4 — — 4 Total available-for-sale securities $ 27,130 $ 143 $ (3,967) $ 23,306 Held-to-maturity securities: Federal agencies: Residential CMO $ 4,757 $ — $ (667) $ 4,090 Residential MBS 10,517 — (1,474) 9,043 Commercial MBS 1,756 — (188) 1,568 Other agencies 141 — (9) 132 Total federal agency and other agency securities 17,171 — (2,338) 14,833 Municipal securities 2 — — 2 Total held-to-maturity securities $ 17,173 $ — $ (2,338) $ 14,835 Other securities, at cost: Non-marketable equity securities: Federal Home Loan Bank stock $ 245 $ — $ — $ 245 Federal Reserve Bank stock 515 — — 515 Equity securities 8 — — 8 Other securities, at fair value: Mutual funds 47 — — 47 Equity securities 2 1 — 3 Total other securities $ 817 $ 1 $ — $ 818 (1) Amortized cost amounts exclude accrued interest receivable, which is recorded within accrued income and other receivables on the Consolidated Balance Sheet s . At September 30, 2022, accrued interest receivable on available-for-sale securities and held-to-maturity securities totaled $71 million and $38 million, respectively. (2) Excluded from the amortized cost are portfolio level basis adjustments for securities designated in fair value hedges under the portfolio layer method. The basis adjustments totaled $892 million and represent a reduction to the amortized cost of the securities being hedged. The securities being hedged under the portfolio layer method are primarily Residential CMO and Residential MBS securities. 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 exclude 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 September 30, 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. September 30, 2022 December 31, 2021 (dollar amounts in millions) Amortized Cost Fair Value Amortized Cost Fair Value Available-for-sale securities: Under 1 year $ 462 $ 448 $ 377 $ 374 After 1 year through 5 years 2,566 2,367 1,888 1,880 After 5 years through 10 years 3,059 2,735 3,166 3,180 After 10 years 21,043 17,756 23,075 23,026 Total available-for-sale securities $ 27,130 $ 23,306 $ 28,506 $ 28,460 Held-to-maturity securities: Under 1 year $ 1 $ 1 $ 2 $ 2 After 1 year through 5 years 98 94 162 164 After 5 years through 10 years 57 53 44 45 After 10 years 17,017 14,687 12,239 12,278 Total held-to-maturity securities $ 17,173 $ 14,835 $ 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 September 30, 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 September 30, 2022 Available-for-sale securities: Federal agencies: Residential CMO $ 2,330 $ (220) $ 705 $ (162) $ 3,035 $ (382) Residential MBS 5,580 (921) 6,402 (1,365) 11,982 (2,286) Commercial MBS 1,462 (324) 576 (219) 2,038 (543) Other agencies 28 (1) 52 (8) 80 (9) Total federal agency and other agency securities 9,400 (1,466) 7,735 (1,754) 17,135 (3,220) Municipal securities 2,863 (226) 401 (25) 3,264 (251) Private-label CMO 94 (8) 20 (2) 114 (10) Asset-backed securities 240 (20) 131 (24) 371 (44) Corporate debt 1,240 (229) 920 (213) 2,160 (442) Total temporarily impaired available-for-sale securities $ 13,837 $ (1,949) $ 9,207 $ (2,018) $ 23,044 $ (3,967) Held-to-maturity securities: Federal agencies: Residential CMO $ 3,279 $ (510) $ 811 $ (157) $ 4,090 $ (667) Residential MBS 5,851 (811) 3,174 (663) 9,025 (1,474) Commercial MBS 1,360 (151) 207 (37) 1,567 (188) Other agencies 132 (9) — — 132 (9) Total federal agency and other agency securities 10,622 (1,481) 4,192 (857) 14,814 (2,338) Total temporarily impaired held-to-maturity securities $ 10,622 $ (1,481) $ 4,192 $ (857) $ 14,814 $ (2,338) 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 September 30, 2022 and December 31, 2021, the carrying value of investment securities pledged: (i) to secure public and trust deposits, trading account liabilities, U.S. Treasury demand notes, and security repurchase agreements, and (ii) to support borrowing capacity, totaled $28.0 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 September 30, 2022 or December 31, 2021. At September 30, 2022, all HTM debt securities are considered AAA rated. In addition, there were no HTM debt securities considered past due at September 30, 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 September 30, 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 during the 2022 first quarter, 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 September 30, 2022 or December 31, 2021.

LOANS _ LEASES

LOANS / LEASES	9 Months Ended
	Sep. 30, 2022
Receivables [Abstract]
LOANS / LEASES	LOANS AND LEASES The following table provides a detailed listing of Huntington’s loan and lease portfolio at September 30, 2022 and December 31, 2021. (dollar amounts in millions) September 30, 2022 December 31, 2021 Commercial loan and lease portfolio: Commercial and industrial $ 44,144 $ 41,688 Commercial real estate 16,456 14,961 Lease financing 5,093 5,000 Total commercial loan and lease portfolio 65,693 61,649 Consumer loan portfolio: Residential mortgage 21,816 19,256 Automobile 13,430 13,434 Home equity 10,440 10,550 RV and marine 5,436 5,058 Other consumer 1,332 1,320 Total consumer loan portfolio 52,454 49,618 Total loans and leases (1)(2) 118,147 111,267 Allowance for loan and lease losses (2,110) (2,030) Net loans and leases $ 116,037 $ 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 $42 million and $111 million at September 30, 2022 and December 31, 2021, respectively. (2) The total amount of accrued interest recorded for these loans and leases at September 30, 2022, was $190 million and $167 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 September 30, 2022 and December 31, 2021. (dollar amounts in millions) September 30, December 31, Lease payments receivable $ 4,740 $ 4,620 Estimated residual value of leased assets 769 774 Gross investment in lease financing receivables 5,509 5,394 Deferred origination costs 42 36 Deferred fees, unearned income and other (458) (430) Total lease financing receivables $ 5,093 $ 5,000 The carrying value of residual values guaranteed was $454 million and $473 million as of September 30, 2022 and December 31, 2021, respectively. The future lease rental payments due from customers on sales-type and direct financing leases at September 30, 2022, totaled $4.7 billion and were due as follows: $838 million in 2022, $820 million in 2023, $815 million in 2024, $733 million in 2025, $688 million in 2026, and $846 million thereafter. Interest income recognized for these types of leases was $41 million and $73 million for the three-month periods ended September 30, 2022 and 2021, respectively. For the nine-month periods ended September 30, 2022 and 2021, interest income recognized for these types of leases was $117 million and $154 million. Nonaccrual and Past Due Loans and Leases The following table presents NALs by class at September 30, 2022 and December 31, 2021: September 30, 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 $ 73 $ 288 $ 81 $ 370 Commercial real estate 85 110 80 104 Lease financing 7 30 3 48 Residential mortgage — 94 — 111 Automobile — 4 — 3 Home equity — 75 — 79 RV and marine — 1 — 1 Total nonaccrual loans and leases $ 165 $ 602 $ 164 $ 716 The following table presents an aging analysis of loans and leases, by class at September 30, 2022 and December 31, 2021: September 30, 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 $ 92 $ 49 $ 117 $ 258 $ 43,886 $ — $ 44,144 $ 29 (2) Commercial real estate 24 4 32 60 16,396 — 16,456 — Lease financing 57 45 21 123 4,970 — 5,093 18 (3) Residential mortgage 196 65 203 464 21,171 181 21,816 153 (4) Automobile 72 18 9 99 13,331 — 13,430 6 Home equity 47 21 61 129 10,310 1 10,440 12 RV and marine 12 4 2 18 5,418 — 5,436 2 Other consumer 13 3 3 19 1,313 — 1,332 3 Total loans and leases $ 513 $ 209 $ 448 $ 1,170 $ 116,795 $ 182 $ 118,147 $ 223 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 (SBA guaranteed) 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 September 30, 2022 and December 31, 2021 respectively: As of September 30, 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 $ 13,212 $ 7,720 $ 3,808 $ 2,328 $ 1,228 $ 1,314 $ 11,998 $ 4 $ 41,612 OLEM 128 204 130 43 61 39 139 — 744 Substandard 227 199 194 244 155 277 491 — 1,787 Doubtful — — — — — 1 — — 1 Total Commercial and industrial $ 13,567 $ 8,123 $ 4,132 $ 2,615 $ 1,444 $ 1,631 $ 12,628 $ 4 $ 44,144 Commercial real estate Credit Quality Indicator (1): Pass $ 4,638 $ 3,544 $ 1,821 $ 1,892 $ 1,075 $ 1,186 $ 1,325 $ — $ 15,481 OLEM 44 26 4 11 12 39 — — 136 Substandard 195 126 121 128 129 137 3 — 839 Total Commercial real estate $ 4,877 $ 3,696 $ 1,946 $ 2,031 $ 1,216 $ 1,362 $ 1,328 $ — $ 16,456 Lease financing Credit Quality Indicator (1): Pass $ 1,391 $ 1,424 $ 1,069 $ 546 $ 229 $ 177 $ — $ — $ 4,836 OLEM 25 14 32 6 7 4 — — 88 Substandard 37 25 56 28 9 14 — — 169 Total Lease financing $ 1,453 $ 1,463 $ 1,157 $ 580 $ 245 $ 195 $ — $ — $ 5,093 Residential mortgage Credit Quality Indicator (2): 750+ $ 2,993 $ 6,251 $ 3,611 $ 864 $ 485 $ 2,165 $ — $ — $ 16,369 650-749 1,260 1,308 670 235 146 814 — — 4,433 <650 29 60 60 90 94 500 — — 833 Total Residential mortgage $ 4,282 $ 7,619 $ 4,341 $ 1,189 $ 725 $ 3,479 $ — $ — $ 21,635 Automobile Credit Quality Indicator (2): 750+ $ 2,358 $ 2,366 $ 1,381 $ 898 $ 362 $ 154 $ — $ — $ 7,519 650-749 1,641 1,733 785 436 205 77 — — 4,877 <650 231 364 186 128 79 46 — — 1,034 Total Automobile $ 4,230 $ 4,463 $ 2,352 $ 1,462 $ 646 $ 277 $ — $ — $ 13,430 Home equity Credit Quality Indicator (2): 750+ $ 359 $ 588 $ 633 $ 25 $ 23 $ 323 $ 4,891 $ 265 $ 7,107 650-749 104 95 69 10 8 130 2,124 269 2,809 <650 2 3 3 2 2 55 324 132 523 Total Home equity $ 465 $ 686 $ 705 $ 37 $ 33 $ 508 $ 7,339 $ 666 $ 10,439 RV and marine Credit Quality Indicator (2): 750+ $ 1,059 $ 1,070 $ 764 $ 379 $ 373 $ 465 $ — $ — $ 4,110 650-749 247 335 213 126 122 180 — — 1,223 <650 3 16 14 16 16 38 — — 103 Total RV and marine $ 1,309 $ 1,421 $ 991 $ 521 $ 511 $ 683 $ — $ — $ 5,436 Other consumer Credit Quality Indicator (2): 750+ $ 202 $ 71 $ 39 $ 40 $ 15 $ 55 $ 360 $ 3 $ 785 650-749 57 34 14 18 4 16 330 18 491 <650 2 3 2 3 1 2 30 13 56 Total Other consumer $ 261 $ 108 $ 55 $ 61 $ 20 $ 73 $ 720 $ 34 $ 1,332 (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 and nine-month periods ended September 30, 2022 and 2021. New Troubled Debt Restructurings (1) Three Months Ended September 30, 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 81 $ 39 $ 22 $ — $ 13 $ 74 Commercial real estate 7 5 10 — — 15 Residential mortgage 184 — 25 1 — 26 Automobile 697 — 6 1 — 7 Home equity 54 — 1 — — 1 RV and marine 31 — 1 1 — 2 Other consumer 38 — — — — — Total new TDRs 1,092 $ 44 $ 65 $ 3 $ 13 $ 125 Three Months Ended September 30, 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 16 $ — $ 3 $ — $ — $ 3 Commercial real estate 4 — — — — — Residential mortgage 74 — 7 2 — 9 Automobile 498 — 3 1 — 4 Home equity 42 — 1 1 — 2 RV and marine 19 — — — — — Other consumer 49 — — — — — Total new TDRs 702 $ — $ 14 $ 4 $ — $ 18 New Troubled Debt Restructurings (1) Nine Months Ended September 30, 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 222 $ 69 $ 37 $ — $ 14 $ 120 Commercial real estate 12 42 10 — — 52 Residential mortgage 629 — 85 5 — 90 Automobile 1,791 — 13 2 — 15 Home equity 166 — 5 3 — 8 RV and marine finance 105 — 2 1 — 3 Other consumer 91 — — — — — Total new TDRs 3,016 $ 111 $ 152 $ 11 $ 14 $ 288 Nine Months Ended September 30, 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 53 $ 15 $ 23 $ — $ — $ 38 Commercial real estate 4 — — — — — Residential mortgage 232 — 31 4 — 35 Automobile 1,914 — 13 3 — 16 Home equity 155 — 3 5 — 8 RV and marine finance 103 1 1 1 — 3 Other consumer 214 — — — 1 1 Total new TDRs 2,675 $ 16 $ 71 $ 13 $ 1 $ 101 (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 September 30, 2022 and December 31, 2021, these borrowings and advances are secured by $70.1 billion and $61.1 billion, respectively, of loans.

ALLOWANCE FOR CREDIT LOSSES

ALLOWANCE FOR CREDIT LOSSES	9 Months Ended
	Sep. 30, 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 and nine-month periods ended September 30, 2022 and 2021. (dollar amounts in millions) Commercial Consumer Total Three-month period ended September 30, 2022: ALLL balance, beginning of period $ 1,342 $ 732 $ 2,074 Loan and lease charge-offs (35) (48) (83) Recoveries of loans and leases previously charged-off 20 19 39 Provision (benefit) for loan and lease losses 87 (7) 80 ALLL balance, end of period $ 1,414 $ 696 $ 2,110 AULC balance, beginning of period $ 53 $ 41 $ 94 Provision (benefit) for unfunded lending commitments 8 18 26 AULC balance, end of period $ 61 $ 59 $ 120 ACL balance, end of period $ 1,475 $ 755 $ 2,230 Nine-month period ended September 30, 2022: ALLL balance, beginning of period $ 1,462 $ 568 $ 2,030 Loan and lease charge-offs (77) (139) (216) Recoveries of loans and leases previously charged-off 83 62 145 Provision for loan and lease losses (54) 205 151 ALLL balance, end of period $ 1,414 $ 696 $ 2,110 AULC balance, beginning of period $ 41 $ 36 $ 77 Provision for unfunded lending commitments 20 23 43 AULC balance, end of period $ 61 $ 59 $ 120 ACL balance, end of period $ 1,475 $ 755 $ 2,230 (dollar amounts in millions) Commercial Consumer Total Three-month period ended September 30, 2021: ALLL balance, beginning of period $ 1,618 $ 600 $ 2,218 Loan and lease charge-offs (74) (32) (106) Recoveries of loans and leases previously charged-off 27 24 51 Provision (benefit) for loan and lease losses (22) (34) (56) ALLL balance, end of period $ 1,549 $ 558 $ 2,107 AULC balance, beginning of period $ 76 $ 28 $ 104 Provision (benefit) for unfunded lending commitments 2 (8) (6) AULC balance, end of period $ 78 $ 20 $ 98 ACL balance, end of period $ 1,627 $ 578 $ 2,205 Nine-month period ended September 30, 2021: ALLL balance, beginning of period $ 1,236 $ 578 $ 1,814 Loan and lease charge-offs (213) (90) (303) Recoveries of loans and leases previously charged-off 58 64 122 Provision (benefit) for loan and lease losses (1) 94 (52) 42 Allowance on PCD loans and leases at acquisition 374 58 432 ALLL balance, end of period $ 1,549 $ 558 $ 2,107 AULC balance, beginning of period $ 34 $ 18 $ 52 Provision for unfunded lending commitments (2) 45 2 47 Unfunded lending commitment losses (1) — (1) AULC balance, end of period $ 78 $ 20 $ 98 ACL balance, end of period $ 1,627 $ 578 $ 2,205 (1) Includes $234 million of TCF acquisition initial provision for credit losses related to non-PCD loans and leases. (2) Includes $60 million from acquired unfunded lending commitments. At September 30, 2022, the ACL was $2.2 billion, an increase of $123 million from the December 31, 2021 balance of $2.1 billion.

MORTGAGE LOAN SALES AND SERVICI

MORTGAGE LOAN SALES AND SERVICING RIGHTS	9 Months Ended
	Sep. 30, 2022
Transfers and Servicing [Abstract]
MORTGAGE LOAN SALES AND SERVICING RIGHTS	MORTGAGE LOAN SALES AND SERVICING RIGHTS Residential Mortgage Portfolio The following table summarizes activity relating to residential mortgage loans sold with servicing retained for the three-month and nine-month periods ended September 30, 2022 and 2021: Three Months Ended Nine Months Ended (dollar amounts in millions) 2022 2021 2022 2021 Residential mortgage loans sold with servicing retained $ 1,310 $ 2,298 $ 4,557 $ 7,302 Pretax gains resulting from above loan sales (1) 11 80 110 274 (1) Recorded in mortgage banking income. The following table summarizes the changes in MSRs recorded using the fair value method for the three-month and nine-month periods ended September 30, 2022 and 2021: Three Months Ended Nine Months Ended (dollar amounts in millions) 2022 2021 2022 2021 Fair value, beginning of period $ 463 $ 327 $ 351 $ 210 Servicing assets obtained in acquisition — `` — — 59 New servicing assets created 20 31 68 103 Change in fair value during the period due to: Time decay (1) (6) (4) (16) (11) Payoffs (2) (8) (17) (29) (50) Changes in valuation inputs or assumptions (3) 17 1 112 27 Fair value, end of period $ 486 $ 338 $ 486 $ 338 (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 September 30, 2022, and December 31, 2021 follows: September 30, 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) 7.04 % $ (12) $ (24) 12.28 % $ (17) $ (32) Spread over forward interest rate swap rates 579 bps (11) (22) 466 bps (7) (13) Total servicing, late and other ancillary fees included in mortgage banking income was $23 million and $22 million for the three-month periods ended September 30, 2022 and 2021, respectively. Total servicing, late fees and other ancillary fees included in mortgage banking income was $68 million and $57 million for the nine-month periods ended September 30, 2022 and 2021, respectively. The unpaid principal balance of residential mortgage loans serviced for third parties was $32 billion and $31 billion at September 30, 2022 and December 31, 2021, respectively.

BORROWINGS

BORROWINGS	9 Months Ended
	Sep. 30, 2022
Debt Disclosure [Abstract]
BORROWINGS	8. BORROWINGS Borrowings with original maturities of one year or less are classified as short-term and were comprised of the following at September 30, 2022 and December 31, 2021, respectively: (dollar amounts in millions) September 30, December 31, Federal funds purchased and securities sold under agreements to repurchase $ 300 $ 320 Other borrowings 126 14 Total short-term borrowings $ 426 $ 334 Huntington’s long-term debt consisted of the following at September 30, 2022 and December 31, 2021, respectively: (dollar amounts in millions) September 30, December 31, The Parent Company: Senior Notes $ 2,990 $ 2,083 Subordinated Notes 973 1,028 Total notes issued by the parent 3,963 3,111 The Bank: Senior Notes 2,287 2,434 Subordinated Notes 650 811 Total notes issued by the bank 2,937 3,245 FHLB Advances 2,712 215 Other 556 537 Total long-term debt $ 10,168 $ 7,108 In May 2022, the Bank issued $500 million of senior notes at 99.8% of face value. The senior notes mature on May 16, 2025 and have a fixed coupon rate of 4.01%. In May 2022, the Bank issued $800 million of senior notes at 99.7% of face value. The senior notes mature on May 17, 2028 and have a fixed coupon rate of 4.55%. In May 2022, the Bank issued $300 million of senior notes at 99.8% of face value. The senior notes mature on May 16, 2025 and have a floating rate equal to SOFR plus 119 basis points resetting quarterly. In May 2022, Huntington issued $400 million of senior notes at 100% of face value. The senior notes mature on May 17, 2033 and have a fixed coupon rate of 5.02%.

OTHER COMPREHENSIVE INCOME

OTHER COMPREHENSIVE INCOME	9 Months Ended
	Sep. 30, 2022
Equity [Abstract]
OTHER COMPREHENSIVE INCOME	OTHER COMPREHENSIVE INCOME The components of Huntington’s OCI for the three-month and nine-month periods ended September 30, 2022 and 2021, were as follows: (dollar amounts in millions) Pretax Tax (Expense) benefit After-tax Three Months Ended September 30, 2022 Unrealized losses on available-for-sale securities arising during the period $ (1,265) $ 291 $ (974) Reclassification adjustment for realized net losses included in net income 4 (1) 3 Total unrealized losses on available-for-sale securities (1,261) 290 (971) Net impact of fair value hedges on available-for-sale securities 325 (75) 250 Change in fair value related to cash flow hedges (591) 135 (456) Foreign currency translation adjustment (1) (15) — (15) Net unrealized gains (losses) on net investment hedges 11 — 11 Translation adjustments, net of hedges (1) (4) — (4) Change in accumulated unrealized gains for pension and other post retirement obligations 3 — 3 Other comprehensive loss $ (1,528) $ 350 $ (1,178) Three Months Ended September 30, 2021 Unrealized gains on available-for-sale securities arising during the period $ (112) $ 26 $ (86) Reclassification adjustment for realized net losses included in net income 5 (1) 4 Total unrealized losses on available-for-sale securities (107) 25 (82) Change in fair value related to cash flow hedges (43) 14 (29) Foreign currency translation adjustment (1) (7) — (7) Net unrealized gains (losses) on net investment hedges 9 — 9 Translation adjustments, net of hedges (1) 2 — 2 Change in accumulated unrealized gains for pension and other post retirement obligations 3 — 3 Other comprehensive income $ (145) $ 39 $ (106) Nine Months Ended September 30, 2022 Unrealized losses on available-for-sale securities arising during the period $ (3,952) $ 909 $ (3,043) Reclassification adjustment for realized net losses (gains) included in net income 95 (22) 73 Total unrealized gains (losses) on available-for-sale securities (3,857) 887 (2,970) Net impact of fair value hedges on available-for-sale securities 917 (212) 705 Change in fair value related to cash flow hedges (1,012) 230 (782) Foreign currency translation adjustment (1) (21) — (21) Net unrealized gains (losses) on net investment hedges 15 — 15 Translation adjustments, net of hedges (1) (6) — (6) Change in accumulated unrealized gains for pension and other post retirement obligations 8 (2) 6 Other comprehensive loss $ (3,950) $ 903 $ (3,047) Nine Months Ended September 30, 2021 Unrealized losses on available-for-sale securities arising during the period $ (311) $ 70 $ (241) Reclassification adjustment for realized net losses (gains) included in net income 27 (6) 21 Total unrealized losses on available-for-sale securities (284) 64 (220) Net impact of fair value hedges on available-for-sale securities 38 (9) 29 Change in fair value related to cash flow hedges (173) 42 (131) Foreign currency translation adjustment (1) (13) — (13) Net unrealized gains (losses) on net investment hedges 9 — 9 Translation adjustments, net of hedges (1) (4) — (4) Change in accumulated unrealized gains for pension and other post retirement obligations 12 (3) 9 Other comprehensive loss $ (411) $ 94 $ (317) (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 and nine-month periods ended September 30, 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 Total Three Months Ended September 30, 2022 Balance, beginning of period $ (2,152) $ 544 $ (263) $ (5) $ (222) $ (2,098) Other comprehensive income (loss) before reclassifications (974) 250 (456) (4) — (1,184) Amounts reclassified from accumulated OCI to earnings 3 — — — 3 6 Period change (971) 250 (456) (4) 3 (1,178) Balance, end of period $ (3,123) $ 794 $ (719) $ (9) $ (219) $ (3,276) Three Months Ended September 30, 2021 Balance, beginning of period $ 50 $ 31 $ 153 $ (6) $ (247) $ (19) Other comprehensive income (loss) before reclassifications (86) — (29) 2 — (113) Amounts reclassified from accumulated OCI to earnings 4 — — — 3 7 Period change (82) — (29) 2 3 (106) Balance, end of period $ (32) $ 31 $ 124 $ (4) $ (244) $ (125) Nine Months Ended September 30, 2022 Balance, beginning of period $ (153) $ 89 $ 63 $ (3) $ (225) $ (229) Other comprehensive loss before reclassifications (3,043) 705 (782) (6) — (3,126) Amounts reclassified from accumulated OCI to earnings 73 — — — 6 79 Period change (2,970) 705 (782) (6) 6 (3,047) Balance, end of period $ (3,123) $ 794 $ (719) $ (9) $ (219) $ (3,276) Nine Months Ended September 30, 2021 Balance, beginning of period $ 188 $ 2 $ 255 $ — $ (253) $ 192 Other comprehensive income before reclassifications (241) 29 (131) (4) — (347) Amounts reclassified from accumulated OCI to earnings 21 — — — 9 30 Period change (220) 29 (131) (4) 9 (317) Balance, end of period $ (32) $ 31 $ 124 $ (4) $ (244) $ (125) (1) AOCI amounts at September 30, 2022 and September 30, 2021 include $69 million and $41 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	9 Months Ended
	Sep. 30, 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) September 30, 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 (4) 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 preferred stock have a liquidation value and redemption price per share of $1,000, plus any declared and unpaid dividends. (3) Series E, F, and G preferred stock have a liquidation value and redemption price per share of $100,000, plus any declared and unpaid dividends. (4) Series I preferred stock has a liquidation value and redemption price per share of $25,000, plus any declared and unpaid dividends. The following table presents the dividends declared for each series of Preferred shares for the three-month and nine-month periods ended September 30, 2022 and 2021: Three Months Ended September 30, Nine months ended September 30, (amounts in millions, except per share data) 2022 2021 2022 2021 Cash Dividend Declared Per Share Cash Dividend Declared Per Share Cash Dividend Declared Per Share Cash Dividend Declared Per Share Preferred Series Amount ($) Amount ($) Amount ($) Amount ($) Series B $ 16.95 $ — $ 7.07 $ — $ 39.34 $ — $ 21.63 $ — Series C — — 14.69 (1) — — 44.07 (4) Series D — — — — — — 31.25 (18) Series E 1,425.00 (7) 1,425.00 (7) 4,275.00 (21) 4,275.00 (21) Series F 1,406.25 (7) 1,406.25 (7) 4,218.75 (21) 4,218.75 (21) Series G 1,112.50 (6) 1,112.50 (6) 3,337.50 (18) 3,337.50 (18) Series H 11.25 (6) 11.25 (6) 33.75 (18) 30.75 (16) Series I 356.25 (3) 356.25 (2) 1,068.75 (7) 712.50 (5) Total $ (29) $ (29) $ (85) $ (103) Treasury shares Treasury shares includes shares held for deferred compensation plans, at cost, of $80 million at September 30, 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	9 Months Ended
	Sep. 30, 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 and impact of preferred stock redemption) available to each share of common stock outstanding during the reporting period. Diluted earnings per share is the amount of earnings available to each share of common stock outstanding during the reporting period adjusted to include the effect of potentially dilutive common shares. Potentially dilutive common shares include incremental shares issued for stock options, restricted stock units and awards, and distributions from deferred compensation plans. Potentially dilutive common shares are excluded from the computation of diluted earnings per share in periods in which the effect would be antidilutive. The calculation of basic and diluted earnings per share for the three-month and nine-month periods ended September 30, 2022 and 2021 was as follows: Three Months Ended Nine Months Ended (dollar amounts in millions, except per share data, share count in thousands) 2022 2021 2022 2021 Basic earnings per common share: Net income attributable to Huntington Bancshares Inc $ 594 $ 377 $ 1,593 $ 894 Preferred stock dividends 29 29 85 103 Impact of preferred stock redemption — 15 — 15 Net income available to common shareholders $ 565 $ 333 $ 1,508 $ 776 Average common shares issued and outstanding 1,442,591 1,462,736 1,440,740 1,201,763 Basic earnings per common share $ 0.39 $ 0.23 $ 1.05 $ 0.65 Diluted earnings per common share: Dilutive potential common shares: Stock options and restricted stock units and awards 16,064 17,536 17,078 17,623 Shares held in deferred compensation plans 6,428 7,063 6,416 6,042 Dilutive potential common shares 22,492 24,599 23,494 23,665 Total diluted average common shares issued and outstanding 1,465,083 1,487,335 1,464,234 1,225,428 Diluted earnings per common share $ 0.39 $ 0.22 $ 1.03 $ 0.63 Anti-dilutive awards (1) 7,121 4,609 5,565 4,410 (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	9 Months Ended
	Sep. 30, 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 September 30, Nine Months Ended September 30, Noninterest income 2022 2021 2022 2021 Noninterest income from contracts with customers $ 345 $ 315 $ 975 $ 794 Noninterest income within the scope of other GAAP topics 153 220 507 580 Total noninterest income $ 498 $ 535 $ 1,482 $ 1,374 The following table illustrates the disaggregation by operating segment and major revenue stream and reconciles disaggregated revenue to segment revenue presented in Note 17 “ Segment Reporting ”. Three Months Ended September 30, 2022 (dollar amounts in millions) Commercial Banking Consumer & Business Banking Vehicle Finance RBHPCG Treasury / Other Huntington Consolidated Major Revenue Streams Service charges on deposit accounts $ 20 $ 70 $ 2 $ 1 $ — $ 93 Card and payment processing income 6 84 — — — 90 Trust and investment management services 1 16 — 43 — 60 Insurance income 2 14 — 11 1 28 Capital markets fees 37 2 1 — (2) 38 Other noninterest income 29 6 1 1 (1) 36 Net revenue from contracts with customers $ 95 $ 192 $ 4 $ 56 $ (2) $ 345 Noninterest income within the scope of other GAAP topics 86 51 — 1 15 153 Total noninterest income $ 181 $ 243 $ 4 $ 57 $ 13 $ 498 Three Months Ended September 30, 2021 (dollar amounts in millions) Commercial Banking Consumer & Business Banking Vehicle Finance RBHPCG Treasury / Other Huntington Consolidated Major Revenue Streams Service charges on deposit accounts $ 23 $ 89 $ 1 $ 1 $ — $ 114 Card and payment processing income 6 85 — — — 91 Trust and investment management services — 17 — 44 — 61 Insurance income 2 12 — 11 — 25 Capital markets fees 4 1 — 1 — 6 Other noninterest income 1 7 1 1 8 18 Net revenue from contracts with customers $ 36 $ 211 $ 2 $ 58 $ 8 $ 315 Noninterest income within the scope of other GAAP topics 114 91 2 — 13 220 Total noninterest income $ 150 $ 302 $ 4 $ 58 $ 21 $ 535 Nine Months Ended September 30, 2022 (dollar amounts in millions) Commercial Banking Consumer & Business Banking Vehicle Finance RBHPCG Treasury / Other Huntington Consolidated Major Revenue Streams Service charges on deposit accounts $ 65 $ 222 $ 5 $ 3 $ — $ 295 Card and payment processing income 17 242 — — — 259 Trust and investment management services 3 51 — 134 — 188 Insurance income 6 40 — 39 1 86 Capital markets fees 48 6 2 1 (2) 55 Other noninterest income 72 18 1 2 (1) 92 Net revenue from contracts with customers $ 211 $ 579 $ 8 $ 179 $ (2) $ 975 Noninterest income within the scope of other GAAP topics 262 206 2 2 35 507 Total noninterest income $ 473 $ 785 $ 10 $ 181 $ 33 $ 1,482 Nine Months Ended September 30, 2021 (dollar amounts in millions) Commercial Banking Consumer & Business Banking Vehicle Finance RBHPCG Treasury / Other Huntington Consolidated Major Revenue Streams Service charges on deposit accounts $ 64 $ 201 $ 4 $ 2 $ — $ 271 Card and payment processing income 14 211 — — — 225 Trust and investment management services 1 45 — 122 — 168 Insurance income 5 38 — 33 1 77 Capital markets fees 11 4 1 1 — 17 Other noninterest income 3 15 1 6 11 36 Net revenue from contracts with customers $ 98 $ 514 $ 6 $ 164 $ 12 $ 794 Noninterest income within the scope of other GAAP topics 255 266 3 1 55 580 Total noninterest income $ 353 $ 780 $ 9 $ 165 $ 67 $ 1,374 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 September 30, 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 September 30, 2022 was determined to be immaterial.

FAIR VALUES OF ASSETS AND LIABI

FAIR VALUES OF ASSETS AND LIABILITIES	9 Months Ended
	Sep. 30, 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 and nine-month periods ended September 30, 2022 and 2021. Assets and Liabilities measured at fair value on a recurring basis Fair Value Measurements at Reporting Date Using Netting Adjustments (1) September 30, 2022 (dollar amounts in millions) Level 1 Level 2 Level 3 Assets Trading account securities: Municipal securities $ — $ 32 $ — $ — $ 32 Available-for-sale securities: U.S. Treasury securities 5 — — — 5 Residential CMOs — 3,035 — — 3,035 Residential MBS — 11,983 — — 11,983 Commercial MBS — 2,038 — — 2,038 Other agencies — 190 — — 190 Municipal securities — 44 3,332 — 3,376 Private-label CMO — 121 21 — 142 Asset-backed securities — 301 70 — 371 Corporate debt — 2,162 — — 2,162 Other securities/sovereign debt — 4 — — 4 Total available-for-sale securities 5 19,878 3,423 — 23,306 Other securities 47 3 — — 50 Loans held for sale — 758 — — 758 Loans held for investment — 166 16 — 182 MSRs — — 486 — 486 Other assets: Derivative assets — 2,521 2 (2,104) 419 Assets held in trust for deferred compensation plans 111 — — — 111 Liabilities Derivative liabilities — 2,652 11 (1,460) 1,203 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 September 30, 2022 Opening balance $ 463 $ (5) $ 3,377 $ 22 $ 44 $ 17 Transfers out of Level 3 (1) — (6) — — — — Total gains/losses for the period: Included in earnings: Mortgage banking income 17 2 — — — — Included in OCI — — (66) — — — Purchases/originations 20 — 309 — 26 — Repayments — — — — — (1) Settlements (14) — (288) (1) — — Closing balance $ 486 $ (9) $ 3,332 $ 21 $ 70 $ 16 Change in unrealized gains or losses for the period included in earnings for assets held at end of the reporting date $ 17 $ (8) $ — $ — $ — $ — Change in unrealized gains or losses for the period included in other comprehensive income for assets held at the end of the reporting period — — (69) — (1) — Three Months Ended September 30, 2021 Opening balance $ 327 $ 23 $ 3,609 $ 18 $ 46 $ 21 Transfers out of Level 3 (1) — (39) — — — — Total gains/losses for the period: Included in earnings: Mortgage banking income 1 28 — — — — Interest and fee income — — (1) — — — Included in OCI — — (8) — — — Purchases/originations 31 — 260 — — — Sales — — (17) — — — Repayments — — — — — (1) Settlements (21) — (261) — (11) — Closing balance $ 338 $ 12 $ 3,582 $ 18 $ 35 $ 20 Change in unrealized gains or losses for the period included in earnings for assets held at end of the reporting date $ 1 $ (12) $ — $ — $ — $ — Change in unrealized gains or losses for the period included in other comprehensive income for assets held at the end of the reporting period — — (10) — — — Level 3 Fair Value Measurements Available-for-sale securities Loans held for investment (dollar amounts in millions) MSRs Derivative instruments Municipal securities Private- label CMO Asset-backed securities Nine Months Ended September 30, 2022 Opening balance $ 351 $ 4 $ 3,477 $ 20 $ 71 $ 19 Transfers out of Level 3 (1) — (6) — — — — Total gains/losses for the period: Included in earnings: Mortgage banking income 112 (7) — — — — Interest and fee income — — (2) (2) — — Provision for credit losses — — (4) — — — Included in OCI — — (274) — (1) — Purchases/originations 68 — 867 4 26 — Repayments — — — — — (3) Settlements (45) — (732) (1) (26) — Closing balance $ 486 $ (9) $ 3,332 $ 21 $ 70 $ 16 Change in unrealized gains or losses for the period included in earnings for assets held at end of the reporting date $ 112 $ (17) $ — $ — $ — $ — Change in unrealized gains or losses for the period included in other comprehensive income for assets held at the end of the reporting period — — (274) — (1) — Nine Months Ended September 30, 2021 Opening balance $ 210 $ 41 $ 2,951 $ 9 $ 10 $ 23 Transfers out of Level 3 (1) — (109) — — — — Total gains/losses for the period: Included in earnings Mortgage banking income 27 73 — — — — Interest and fee income — — (1) — — — Included in OCI — — (13) — — — Purchases/originations/acquisitions 162 7 1,613 8 75 — Sales — — (369) — — — Repayments — — — — — (3) Settlements (61) — (599) 1 (50) — Closing balance $ 338 $ 12 $ 3,582 $ 18 $ 35 $ 20 Change in unrealized gains or losses for the period included in earnings for assets held at end of the reporting date $ 27 $ (33) $ — $ — $ — $ — Change in unrealized gains or losses for the period included in other comprehensive income for assets held at the end of the reporting period — — (14) — — — (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 September 30, 2022 Assets Loans held for sale $ 758 $ 781 $ (23) $ — $ — $ — Loans held for investment 182 187 (5) 3 3 — 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 September 30, Nine Months Ended September 30, Assets 2022 2021 2022 2021 Loans held for sale (1) $ (22) $ (4) $ (56) $ (30) 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 September 30, Nine Months Ended September 30, (dollar amounts in millions) September 30, 2022 December 31, 2021 2022 2021 2022 2021 Collateral-dependent loans $ 47 $ 39 $ — $ — $ (1) $ (2) Loans held for sale 61 — 1 (1) 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 September 30, 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 5 % - 22% 7 % 8 % —% 23 % 12 % Spread over forward interest rate swap rates 5 % - 13% 6 % 3 % —% 11 % 5 % Derivative instruments Consensus Pricing Net market price (20) % - 6% (3) % (4) % —% 8 % 1 % Estimated pull through % 5 % - 100% 94 % 6 % —% 100 % 92 % Municipal securities and asset-backed securities Discounted cash flow Discount rate 4 % - 5% 5 % — % —% 2 % 1 % Cumulative default — % - 64% 7 % — % —% 64 % 5 % Loss given default 5 % - 80% 25 % 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 September 30, 2022 Financial Assets Cash and short-term assets $ 4,592 $ — $ — $ 4,592 $ 4,592 Trading account securities — — 32 32 32 Available-for-sale securities — — 23,306 23,306 23,306 Held-to-maturity securities 17,173 — — 17,173 14,835 Other securities 768 — 50 818 818 Loans held for sale — 135 758 893 900 Net loans and leases (1) 115,855 — 182 116,037 110,944 Derivative assets — — 419 419 419 Assets held in trust for deferred compensation plans — — 111 111 111 Financial Liabilities Deposits 146,313 — — 146,313 146,211 Short-term borrowings 426 — — 426 426 Long-term debt 10,168 — — 10,168 9,995 Derivative liabilities — — 1,203 1,203 1,203 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 September 30, 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 September 30, 2022 Financial Assets Trading account securities $ — $ 32 $ — $ 32 Available-for-sale securities 5 19,878 3,423 23,306 Held-to-maturity securities — 14,835 — 14,835 Other securities (2) 47 3 — 50 Loans held for sale — 758 142 900 Net loans and leases — 166 110,778 110,944 Derivative assets — 2,521 2 $ (2,104) 419 Financial Liabilities Deposits — 142,710 3,501 146,211 Short-term borrowings — 426 — 426 Long-term debt — 6,631 3,364 9,995 Derivative liabilities — 2,652 11 (1,460) 1,203 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 and 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	9 Months Ended
	Sep. 30, 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 September 30, 2022 and December 31, 2021. Amounts in the table below are presented gross without the impact of any net collateral arrangements. September 30, 2022 December 31, 2021 (dollar amounts in millions) Notional Value Asset Liability Notional Value Asset Liability Derivatives designated as Hedging Instruments Interest rate contracts $ 38,351 $ 1,036 $ 1,205 $ 21,306 $ 258 $ 32 Foreign exchange contracts 206 — 13 210 1 — Derivatives not designated as Hedging Instruments Interest rate contracts 39,835 1,188 1,181 45,286 587 498 Foreign exchange contracts 4,483 98 64 3,524 29 31 Commodities contracts 1,045 201 198 1,077 178 177 Equity contracts 559 — 2 685 12 5 Total Contracts $ 84,479 $ 2,523 $ 2,663 $ 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 and nine-month periods ended September 30, 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 Nine Months Ended (dollar amounts in millions) 2022 2021 2022 2021 Interest rate contracts: Customer Capital markets fees $ 12 $ 13 $ 37 $ 37 Mortgage banking Mortgage banking income — 5 (80) (24) Interest rate floors Interest and fee income on loans and leases — (4) — (8) Interest rate caps Interest expense on long-term debt — — — 89 Foreign exchange contracts Capital markets fees 12 9 32 22 Commodities contracts Capital markets fees 1 (1) 4 (1) Equity contracts Other noninterest expense (1) (2) (4) (6) Total $ 24 $ 20 $ (11) $ 109 Derivatives used in asset and liability management activities Huntington engages in balance sheet hedging activity, principally for asset and liability management purposes. Balance sheet hedging activity is generally arranged to receive hedge accounting treatment that can be classified as either fair value or cash flow hedges. Fair value hedges are executed to hedge changes in fair value of outstanding fixed-rate debt and investment securities caused by fluctuations in market interest rates. Cash flow hedges are executed to modify interest rate characteristics of designated commercial loans in order to reduce the impact of changes in future cash flows due to market interest rate changes. The following table presents the gross notional values of derivatives used in Huntington’s asset and liability management activities at September 30, 2022 and December 31, 2021, identified by the underlying interest rate-sensitive instruments. September 30, 2022 (dollar amounts in millions) Fair Value Hedges Cash Flow Hedges Economic Hedges Total Instruments associated with: Investment securities $ 10,297 $ — $ — $ 10,297 Loans — 22,325 271 22,596 Long-term debt 5,729 — — 5,729 Total notional value at September 30, 2022 $ 16,026 $ 22,325 $ 271 $ 38,622 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 premiums for collars, 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 $21 million and $61 million for the three-month periods ended September 30, 2022, and 2021, respectively. For the nine-month periods ended September 30, 2022, and 2021, the net amounts resulted in an increase to net interest income of $108 million and $291 million, respectively. Fair Value Hedges The changes in fair value of the fair value hedges are recorded through earnings and offset against changes in the fair value of the hedged item. Huntington has designated $9.4 billion of interest rate swaps as fair value hedges of fixed-rate investment securities using the portfolio 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 portfolio level basis adjustment on our hedged mortgage-backed securities portfolio has not been attributed to the individual available-for-sale securities in 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 and nine-month periods ended September 30, 2022 and 2021. Three Months Ended Nine Months Ended (dollar amounts in millions) 2022 2021 2022 2021 Interest rate contracts Change in fair value of interest rate swaps hedging investment securities (1) $ 340 $ 2 $ 926 $ 39 Change in fair value of hedged investment securities (1) (324) — (914) (40) Change in fair value of interest rate swaps hedging long-term debt (2) (178) (22) (314) (95) Change in fair value of hedged long term debt (2) 178 22 315 96 (1) Recognized in Interest income—available-for-sale securities—taxable in the Unaudited Condensed Consolidated Statements of Income . (2) Recognized in Interest expense—long-term debt in the Unaudited Condensed Consolidated Statements of Income . As of September 30, 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) September 30, 2022 December 31, 2021 September 30, 2022 December 31, 2021 Assets Investment securities (1) $ 18,026 $ 17,150 $ (1,032) $ (117) Liabilities Long-term debt (2) 4,095 1,981 (271) 45 (1) Amounts include the amortized cost basis of closed portfolios used to designate hedging relationships under the portfolio layer method. The hedged item is a layer of the closed portfolio which is expected to be remaining at the end of the hedging relationship. As of September 30, 2022, the amortized cost basis of the closed portfolios used in these hedging relationships was $17.2 billion, the cumulative basis adjustments associated with these hedging relationships was $892 million, and the amounts of the designated hedging instruments were $9.4 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 $(69) million at September 30, 2022 and $17 million at December 31, 2021. Cash Flow Hedges At September 30, 2022, Huntington has $22.3 billion of interest rate swaps and collars. 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 collar 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 $(456) million and $(29) million for the three-month periods ended September 30, 2022 and 2021, respectively. For the nine-month periods ended September 30, 2022 and 2021, gains and (losses) on interest rate floors and swaps recognized in other comprehensive income were $(782) million and $(131) million, respectively. Derivatives used in mortgage banking activities Mortgage loan origination hedging activity Huntington’s mortgage origination hedging activity is related to economically hedging Huntington’s mortgage pricing commitments to customers and the secondary sale to third parties. The value of a newly originated mortgage is not firm until the interest rate is committed or locked. Forward commitments to sell economically hedge the possible loss on interest rate lock commitments due to interest rate change. The net asset position of these derivatives at September 30, 2022 and December 31, 2021 were $41 million and $15 million, respectively. At September 30, 2022 and December 31, 2021, Huntington had commitments to sell residential real estate loans of $1.2 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. 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. The notional value of the derivative financial instruments, the corresponding trading assets and liabilities positions, and net trading gains (losses) related to MSR hedging activity is summarized in the following table: (dollar amounts in millions) September 30, December 31, Notional value $ 1,095 $ 1,330 Trading assets 4 19 Trading liabilities (80) — Three Months Ended Nine Months Ended (dollar amounts in millions) 2022 2021 2022 2021 Trading gains (losses) $ (25) $ (4) $ (105) $ (28) Derivatives used in customer related activities Various derivative financial instruments are offered to enable customers to meet their financing and investing objectives and for their risk management purposes. Derivative financial instruments used in trading activities consist of commodity, interest rate, and foreign exchange contracts. Huntington enters into offsetting third-party contracts with approved, reputable counterparties with substantially matching terms and currencies in order to economically hedge significant exposure related to derivatives used in trading activities. The interest rate or price risk of customer derivatives is mitigated by entering into similar derivatives having offsetting terms with other counterparties. The credit risk to these customers is evaluated and included in the calculation of fair value. Foreign currency derivatives help the customer hedge risk and reduce exposure to fluctuations in exchange rates. Transactions are primarily in liquid currencies with Canadian dollars and Euros comprising a majority of all transactions. Commodity derivatives help the customer hedge risk and reduce exposure to fluctuations in the price of various commodities. Hedging of energy-related products and base metals comprise the majority of these transactions. The net fair values of these derivative financial instruments, for which the gross amounts are included in other assets or other liabilities at both September 30, 2022 and December 31, 2021, were $76 million and $51 million, respectively. The total notional values of derivative financial instruments used by Huntington on behalf of customers, including offsetting derivatives, were $42.1 billion and $45.1 billion at September 30, 2022 and December 31, 2021, respectively. Huntington’s credit risk from customer derivatives was $146 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 13 “ 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 was net excess collateral of $280 million and net credit risk of $44 million at September 30, 2022 and December 31, 2021, respectively. The net credit risk associated with derivatives is calculated after considering master netting agreements and is reduced by collateral that has been pledged by the counterparty. At September 30, 2022, Huntington pledged $298 million of investment securities and cash collateral to counterparties, while other counterparties pledged $861 million of investment securities and cash collateral to Huntington to satisfy collateral netting agreements. In the event of credit downgrades, Huntington would not be required to provide additional collateral. The following tables present the gross amounts of these assets and liabilities with any offsets to arrive at the net amounts recognized in the Unaudited Condensed Consolidated Balance Sheets at September 30, 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 September 30, 2022 $ 2,523 $ (2,104) $ 419 $ (6) $ (121) $ 292 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 September 30, 2022 $ 2,663 $ (1,460) $ 1,203 $ (79) $ (148) $ 976 December 31, 2021 743 (624) 119 (3) (116) —

VIEs

VIEs	9 Months Ended
	Sep. 30, 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 September 30, 2022, and December 31, 2021: September 30, 2022 (dollar amounts in millions) Total Assets Total Liabilities Maximum Exposure to Loss Affordable Housing Tax Credit Partnerships $ 1,910 $ 1,169 $ 1,910 Trust Preferred Securities 8 179 — Other Investments 522 148 522 Total $ 2,440 $ 1,496 $ 2,432 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 September 30, 2022 follows: (dollar amounts in millions) Rate Principal amount of subordinated note/ debenture issued to trust (1) Investment in unconsolidated subsidiary Huntington Capital II 4.38 (2) $ 32 $ 3 Sky Financial Capital Trust III 5.15 (3) 72 2 Sky Financial Capital Trust IV 5.15 (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 September 30, 2022, based on three-month LIBOR +0.625%. (3) Variable effective rate at September 30, 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 September 30, 2022 and December 31, 2021. (dollar amounts in millions) September 30, December 31, Affordable housing tax credit investments $ 2,743 $ 2,376 Less: amortization (833) (724) Net affordable housing tax credit investments $ 1,910 $ 1,652 Unfunded commitments $ 1,169 $ 949 The following table presents other information relating to Huntington’s affordable housing tax credit investments for the three-month and nine-month periods ended September 30, 2022 and 2021. Three Months Ended Nine Months Ended (dollar amounts in millions) 2022 2021 2022 2021 Tax credits and other tax benefits recognized $ 52 $ 36 $ 159 $ 113 Proportional amortization expense included in provision for income taxes 45 34 131 92 There were no sales of affordable housing tax credit investments during the three-month and nine-month periods ended September 30, 2022 and 2021. There was no impairment recognized for the three-month and nine-month periods ended September 30, 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	9 Months Ended
	Sep. 30, 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 September 30, 2022 and December 31, 2021, were as follows: (dollar amounts in millions) September 30, December 31, Contract amount representing credit risk Commitments to extend credit: Commercial $ 30,478 $ 27,933 Consumer 19,283 18,513 Commercial real estate 3,491 3,042 Standby letters of credit and guarantees on industrial revenue bonds 733 694 Commercial letters of credit 14 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 $20 million and $7 million at September 30, 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 September 30, 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	9 Months Ended
	Sep. 30, 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 September 30, 2022, December 31, 2021, and September 30, 2021, reported results by business segment. Three Months Ended September 30, Income Statements Commercial Banking Consumer & Business Banking Vehicle Finance RBHPCG Treasury / Other Huntington Consolidated (dollar amounts in millions) 2022 Net interest income $ 495 $ 708 $ 120 $ 63 $ 18 $ 1,404 Provision (benefit) for credit losses 84 64 (43) 1 — 106 Noninterest income 181 243 4 57 13 498 Noninterest expense 271 605 41 79 57 1,053 Provision (benefit) for income taxes 66 60 27 8 (15) 146 Income attributable to non-controlling interest 3 — — — — 3 Net income (loss) attributable to Huntington Bancshares Inc $ 252 $ 222 $ 99 $ 32 $ (11) $ 594 2021 Net interest income $ 416 $ 483 $ 123 $ 42 $ 96 $ 1,160 Provision (benefit) for credit losses (34) (7) (25) 4 — (62) Noninterest income 150 302 4 58 21 535 Noninterest expense 247 637 48 84 273 1,289 Provision (benefit) for income taxes 73 33 22 3 (41) 90 Income attributable to non-controlling interest 1 — — — — 1 Net income (loss) attributable to Huntington Bancshares Inc $ 279 $ 122 $ 82 $ 9 $ (115) $ 377 Nine Months Ended September 30, Income Statements Commercial Banking Consumer & Business Banking Vehicle Finance RBHPCG Treasury / Other Huntington Consolidated (dollar amounts in millions) 2022 Net interest income $ 1,339 $ 1,701 $ 357 $ 167 $ 247 $ 3,811 Provision for credit losses 9 138 36 15 — 198 Noninterest income 473 785 10 181 33 1,482 Noninterest expense 767 1,807 127 241 182 3,124 Provision (benefit) for income taxes 217 114 43 19 (22) 371 Income attributable to non-controlling interest 7 — — — — 7 Net income attributable to Huntington Bancshares Inc $ 812 $ 427 $ 161 $ 73 $ 120 $ 1,593 2021 Net interest income $ 873 $ 1,187 $ 340 $ 113 $ 457 $ 2,970 Provision (benefit) for credit losses 107 57 (77) 2 — 89 Noninterest income 353 780 9 165 67 1,374 Noninterest expense 553 1,617 119 217 648 3,154 Provision (benefit) for income taxes 119 62 64 12 (51) 206 Income attributable to non-controlling interest 1 — — — — 1 Net income (loss) attributable to Huntington Bancshares Inc $ 446 $ 231 $ 243 $ 47 $ (73) $ 894 Assets at Deposits at (dollar amounts in millions) September 30, December 31, September 30, December 31, Commercial Banking $ 62,924 $ 57,071 $ 37,194 $ 31,845 Consumer & Business Banking 38,424 39,929 93,854 95,352 Vehicle Finance 21,461 20,752 1,173 1,401 RBHPCG 9,876 8,325 8,982 10,162 Treasury / Other 46,717 47,987 5,110 4,503 Total $ 179,402 $ 174,064 $ 146,313 $ 143,263

ACCOUNTING STANDARDS UPDATE (Po

ACCOUNTING STANDARDS UPDATE (Policies)	9 Months Ended
	Sep. 30, 2022
Accounting Standards Update and Change in Accounting Principle [Abstract]
Accounting Standards Update	ACCOUNTING STANDARDS UPDATE Accounting standards adopted in the current period 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. • Management adopted the guidance during the second quarter 2022. • The ASU has been applied to all business combinations occurring during 2022 and will be applied prospectively to all future business combinations. • The adoption did not result in a material impact on Huntington’s Unaudited Condensed 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 expand the current last-of-layer method to allow for multiple hedge 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 nonprepayable financial assets. • Management early adopted the guidance during the second quarter of 2022 using the modified retrospective basis. There was no impact to Huntington’s Unaudited Condensed Consolidated Financial Statements as a result of the adoption. Amendments related to disclosures were applied prospectively from the initial adoption date. • The ASU also gives entities the option 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 did not apply this option to any held-to-maturity securities. Accounting standards yet to be adopted Standard Summary of guidance Effects on financial statements ASU 2022-02- Financial Instruments - Credit Losses (Topic 326): Troubled Debt Restructurings and Vintage Disclosures Issued March 2022 • The amendments in this update eliminate 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 disclosure of current period gross write-offs by year of origination for financing receivables and net investment in leases. • Effective for fiscal years beginning 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. The ASU does allow for early adoption. • Huntington is currently evaluating the impact of the ASU on its Consolidated Financial Statements, as well as which adoption method to apply. Huntington does not currently intend to adopt the ASU prior to the effective date.

INVESTMENT SECURITIES AND OTH_2

INVESTMENT SECURITIES AND OTHER SECURITIES (Tables)	9 Months Ended
	Sep. 30, 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 September 30, 2022 and December 31, 2021: Unrealized (dollar amounts in millions) Amortized Cost (1)(2) Gross Gross Fair Value September 30, 2022 Available-for-sale securities: U.S. Treasury $ 5 $ — $ — $ 5 Federal agencies: Residential CMO 3,417 — (382) 3,035 Residential MBS 14,269 — (2,286) 11,983 Commercial MBS 2,581 — (543) 2,038 Other agencies 199 — (9) 190 Total U.S. Treasury, federal agency, and other agency securities 20,471 — (3,220) 17,251 Municipal securities 3,626 1 (251) 3,376 Private-label CMO 151 1 (10) 142 Asset-backed securities 414 1 (44) 371 Corporate debt 2,464 140 (442) 2,162 Other securities/Sovereign debt 4 — — 4 Total available-for-sale securities $ 27,130 $ 143 $ (3,967) $ 23,306 Held-to-maturity securities: Federal agencies: Residential CMO $ 4,757 $ — $ (667) $ 4,090 Residential MBS 10,517 — (1,474) 9,043 Commercial MBS 1,756 — (188) 1,568 Other agencies 141 — (9) 132 Total federal agency and other agency securities 17,171 — (2,338) 14,833 Municipal securities 2 — — 2 Total held-to-maturity securities $ 17,173 $ — $ (2,338) $ 14,835 Other securities, at cost: Non-marketable equity securities: Federal Home Loan Bank stock $ 245 $ — $ — $ 245 Federal Reserve Bank stock 515 — — 515 Equity securities 8 — — 8 Other securities, at fair value: Mutual funds 47 — — 47 Equity securities 2 1 — 3 Total other securities $ 817 $ 1 $ — $ 818 (1) Amortized cost amounts exclude accrued interest receivable, which is recorded within accrued income and other receivables on the Consolidated Balance Sheet s . At September 30, 2022, accrued interest receivable on available-for-sale securities and held-to-maturity securities totaled $71 million and $38 million, respectively. (2) Excluded from the amortized cost are portfolio level basis adjustments for securities designated in fair value hedges under the portfolio layer method. The basis adjustments totaled $892 million and represent a reduction to the amortized cost of the securities being hedged. The securities being hedged under the portfolio layer method are primarily Residential CMO and Residential MBS securities. 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 exclude 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 September 30, 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. September 30, 2022 December 31, 2021 (dollar amounts in millions) Amortized Cost Fair Value Amortized Cost Fair Value Available-for-sale securities: Under 1 year $ 462 $ 448 $ 377 $ 374 After 1 year through 5 years 2,566 2,367 1,888 1,880 After 5 years through 10 years 3,059 2,735 3,166 3,180 After 10 years 21,043 17,756 23,075 23,026 Total available-for-sale securities $ 27,130 $ 23,306 $ 28,506 $ 28,460 Held-to-maturity securities: Under 1 year $ 1 $ 1 $ 2 $ 2 After 1 year through 5 years 98 94 162 164 After 5 years through 10 years 57 53 44 45 After 10 years 17,017 14,687 12,239 12,278 Total held-to-maturity securities $ 17,173 $ 14,835 $ 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 September 30, 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 September 30, 2022 Available-for-sale securities: Federal agencies: Residential CMO $ 2,330 $ (220) $ 705 $ (162) $ 3,035 $ (382) Residential MBS 5,580 (921) 6,402 (1,365) 11,982 (2,286) Commercial MBS 1,462 (324) 576 (219) 2,038 (543) Other agencies 28 (1) 52 (8) 80 (9) Total federal agency and other agency securities 9,400 (1,466) 7,735 (1,754) 17,135 (3,220) Municipal securities 2,863 (226) 401 (25) 3,264 (251) Private-label CMO 94 (8) 20 (2) 114 (10) Asset-backed securities 240 (20) 131 (24) 371 (44) Corporate debt 1,240 (229) 920 (213) 2,160 (442) Total temporarily impaired available-for-sale securities $ 13,837 $ (1,949) $ 9,207 $ (2,018) $ 23,044 $ (3,967) Held-to-maturity securities: Federal agencies: Residential CMO $ 3,279 $ (510) $ 811 $ (157) $ 4,090 $ (667) Residential MBS 5,851 (811) 3,174 (663) 9,025 (1,474) Commercial MBS 1,360 (151) 207 (37) 1,567 (188) Other agencies 132 (9) — — 132 (9) Total federal agency and other agency securities 10,622 (1,481) 4,192 (857) 14,814 (2,338) Total temporarily impaired held-to-maturity securities $ 10,622 $ (1,481) $ 4,192 $ (857) $ 14,814 $ (2,338) 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)	9 Months Ended
	Sep. 30, 2022
Receivables [Abstract]
Loan and Lease Portfolio	The following table provides a detailed listing of Huntington’s loan and lease portfolio at September 30, 2022 and December 31, 2021. (dollar amounts in millions) September 30, 2022 December 31, 2021 Commercial loan and lease portfolio: Commercial and industrial $ 44,144 $ 41,688 Commercial real estate 16,456 14,961 Lease financing 5,093 5,000 Total commercial loan and lease portfolio 65,693 61,649 Consumer loan portfolio: Residential mortgage 21,816 19,256 Automobile 13,430 13,434 Home equity 10,440 10,550 RV and marine 5,436 5,058 Other consumer 1,332 1,320 Total consumer loan portfolio 52,454 49,618 Total loans and leases (1)(2) 118,147 111,267 Allowance for loan and lease losses (2,110) (2,030) Net loans and leases $ 116,037 $ 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 $42 million and $111 million at September 30, 2022 and December 31, 2021, respectively. (2) The total amount of accrued interest recorded for these loans and leases at September 30, 2022, was $190 million and $167 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 September 30, 2022 and December 31, 2021. (dollar amounts in millions) September 30, December 31, Lease payments receivable $ 4,740 $ 4,620 Estimated residual value of leased assets 769 774 Gross investment in lease financing receivables 5,509 5,394 Deferred origination costs 42 36 Deferred fees, unearned income and other (458) (430) Total lease financing receivables $ 5,093 $ 5,000
NALs and Past Due Loans	The following table presents NALs by class at September 30, 2022 and December 31, 2021: September 30, 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 $ 73 $ 288 $ 81 $ 370 Commercial real estate 85 110 80 104 Lease financing 7 30 3 48 Residential mortgage — 94 — 111 Automobile — 4 — 3 Home equity — 75 — 79 RV and marine — 1 — 1 Total nonaccrual loans and leases $ 165 $ 602 $ 164 $ 716
Aging analysis of loans and leases	The following table presents an aging analysis of loans and leases, by class at September 30, 2022 and December 31, 2021: September 30, 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 $ 92 $ 49 $ 117 $ 258 $ 43,886 $ — $ 44,144 $ 29 (2) Commercial real estate 24 4 32 60 16,396 — 16,456 — Lease financing 57 45 21 123 4,970 — 5,093 18 (3) Residential mortgage 196 65 203 464 21,171 181 21,816 153 (4) Automobile 72 18 9 99 13,331 — 13,430 6 Home equity 47 21 61 129 10,310 1 10,440 12 RV and marine 12 4 2 18 5,418 — 5,436 2 Other consumer 13 3 3 19 1,313 — 1,332 3 Total loans and leases $ 513 $ 209 $ 448 $ 1,170 $ 116,795 $ 182 $ 118,147 $ 223 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 (SBA guaranteed) 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 September 30, 2022 and December 31, 2021 respectively: As of September 30, 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 $ 13,212 $ 7,720 $ 3,808 $ 2,328 $ 1,228 $ 1,314 $ 11,998 $ 4 $ 41,612 OLEM 128 204 130 43 61 39 139 — 744 Substandard 227 199 194 244 155 277 491 — 1,787 Doubtful — — — — — 1 — — 1 Total Commercial and industrial $ 13,567 $ 8,123 $ 4,132 $ 2,615 $ 1,444 $ 1,631 $ 12,628 $ 4 $ 44,144 Commercial real estate Credit Quality Indicator (1): Pass $ 4,638 $ 3,544 $ 1,821 $ 1,892 $ 1,075 $ 1,186 $ 1,325 $ — $ 15,481 OLEM 44 26 4 11 12 39 — — 136 Substandard 195 126 121 128 129 137 3 — 839 Total Commercial real estate $ 4,877 $ 3,696 $ 1,946 $ 2,031 $ 1,216 $ 1,362 $ 1,328 $ — $ 16,456 Lease financing Credit Quality Indicator (1): Pass $ 1,391 $ 1,424 $ 1,069 $ 546 $ 229 $ 177 $ — $ — $ 4,836 OLEM 25 14 32 6 7 4 — — 88 Substandard 37 25 56 28 9 14 — — 169 Total Lease financing $ 1,453 $ 1,463 $ 1,157 $ 580 $ 245 $ 195 $ — $ — $ 5,093 Residential mortgage Credit Quality Indicator (2): 750+ $ 2,993 $ 6,251 $ 3,611 $ 864 $ 485 $ 2,165 $ — $ — $ 16,369 650-749 1,260 1,308 670 235 146 814 — — 4,433 <650 29 60 60 90 94 500 — — 833 Total Residential mortgage $ 4,282 $ 7,619 $ 4,341 $ 1,189 $ 725 $ 3,479 $ — $ — $ 21,635 Automobile Credit Quality Indicator (2): 750+ $ 2,358 $ 2,366 $ 1,381 $ 898 $ 362 $ 154 $ — $ — $ 7,519 650-749 1,641 1,733 785 436 205 77 — — 4,877 <650 231 364 186 128 79 46 — — 1,034 Total Automobile $ 4,230 $ 4,463 $ 2,352 $ 1,462 $ 646 $ 277 $ — $ — $ 13,430 Home equity Credit Quality Indicator (2): 750+ $ 359 $ 588 $ 633 $ 25 $ 23 $ 323 $ 4,891 $ 265 $ 7,107 650-749 104 95 69 10 8 130 2,124 269 2,809 <650 2 3 3 2 2 55 324 132 523 Total Home equity $ 465 $ 686 $ 705 $ 37 $ 33 $ 508 $ 7,339 $ 666 $ 10,439 RV and marine Credit Quality Indicator (2): 750+ $ 1,059 $ 1,070 $ 764 $ 379 $ 373 $ 465 $ — $ — $ 4,110 650-749 247 335 213 126 122 180 — — 1,223 <650 3 16 14 16 16 38 — — 103 Total RV and marine $ 1,309 $ 1,421 $ 991 $ 521 $ 511 $ 683 $ — $ — $ 5,436 Other consumer Credit Quality Indicator (2): 750+ $ 202 $ 71 $ 39 $ 40 $ 15 $ 55 $ 360 $ 3 $ 785 650-749 57 34 14 18 4 16 330 18 491 <650 2 3 2 3 1 2 30 13 56 Total Other consumer $ 261 $ 108 $ 55 $ 61 $ 20 $ 73 $ 720 $ 34 $ 1,332 (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 and nine-month periods ended September 30, 2022 and 2021. New Troubled Debt Restructurings (1) Three Months Ended September 30, 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 81 $ 39 $ 22 $ — $ 13 $ 74 Commercial real estate 7 5 10 — — 15 Residential mortgage 184 — 25 1 — 26 Automobile 697 — 6 1 — 7 Home equity 54 — 1 — — 1 RV and marine 31 — 1 1 — 2 Other consumer 38 — — — — — Total new TDRs 1,092 $ 44 $ 65 $ 3 $ 13 $ 125 Three Months Ended September 30, 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 16 $ — $ 3 $ — $ — $ 3 Commercial real estate 4 — — — — — Residential mortgage 74 — 7 2 — 9 Automobile 498 — 3 1 — 4 Home equity 42 — 1 1 — 2 RV and marine 19 — — — — — Other consumer 49 — — — — — Total new TDRs 702 $ — $ 14 $ 4 $ — $ 18 New Troubled Debt Restructurings (1) Nine Months Ended September 30, 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 222 $ 69 $ 37 $ — $ 14 $ 120 Commercial real estate 12 42 10 — — 52 Residential mortgage 629 — 85 5 — 90 Automobile 1,791 — 13 2 — 15 Home equity 166 — 5 3 — 8 RV and marine finance 105 — 2 1 — 3 Other consumer 91 — — — — — Total new TDRs 3,016 $ 111 $ 152 $ 11 $ 14 $ 288 Nine Months Ended September 30, 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 53 $ 15 $ 23 $ — $ — $ 38 Commercial real estate 4 — — — — — Residential mortgage 232 — 31 4 — 35 Automobile 1,914 — 13 3 — 16 Home equity 155 — 3 5 — 8 RV and marine finance 103 1 1 1 — 3 Other consumer 214 — — — 1 1 Total new TDRs 2,675 $ 16 $ 71 $ 13 $ 1 $ 101 (1) TDRs may include multiple concessions and the disclosure classifications are based on the primary concession provided to the borrower. (2) Post-modification balances approximate pre-modification balances.

ALLOWANCE FOR CREDIT LOSSES (Ta

ALLOWANCE FOR CREDIT LOSSES (Tables)	9 Months Ended
	Sep. 30, 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 and nine-month periods ended September 30, 2022 and 2021. (dollar amounts in millions) Commercial Consumer Total Three-month period ended September 30, 2022: ALLL balance, beginning of period $ 1,342 $ 732 $ 2,074 Loan and lease charge-offs (35) (48) (83) Recoveries of loans and leases previously charged-off 20 19 39 Provision (benefit) for loan and lease losses 87 (7) 80 ALLL balance, end of period $ 1,414 $ 696 $ 2,110 AULC balance, beginning of period $ 53 $ 41 $ 94 Provision (benefit) for unfunded lending commitments 8 18 26 AULC balance, end of period $ 61 $ 59 $ 120 ACL balance, end of period $ 1,475 $ 755 $ 2,230 Nine-month period ended September 30, 2022: ALLL balance, beginning of period $ 1,462 $ 568 $ 2,030 Loan and lease charge-offs (77) (139) (216) Recoveries of loans and leases previously charged-off 83 62 145 Provision for loan and lease losses (54) 205 151 ALLL balance, end of period $ 1,414 $ 696 $ 2,110 AULC balance, beginning of period $ 41 $ 36 $ 77 Provision for unfunded lending commitments 20 23 43 AULC balance, end of period $ 61 $ 59 $ 120 ACL balance, end of period $ 1,475 $ 755 $ 2,230 (dollar amounts in millions) Commercial Consumer Total Three-month period ended September 30, 2021: ALLL balance, beginning of period $ 1,618 $ 600 $ 2,218 Loan and lease charge-offs (74) (32) (106) Recoveries of loans and leases previously charged-off 27 24 51 Provision (benefit) for loan and lease losses (22) (34) (56) ALLL balance, end of period $ 1,549 $ 558 $ 2,107 AULC balance, beginning of period $ 76 $ 28 $ 104 Provision (benefit) for unfunded lending commitments 2 (8) (6) AULC balance, end of period $ 78 $ 20 $ 98 ACL balance, end of period $ 1,627 $ 578 $ 2,205 Nine-month period ended September 30, 2021: ALLL balance, beginning of period $ 1,236 $ 578 $ 1,814 Loan and lease charge-offs (213) (90) (303) Recoveries of loans and leases previously charged-off 58 64 122 Provision (benefit) for loan and lease losses (1) 94 (52) 42 Allowance on PCD loans and leases at acquisition 374 58 432 ALLL balance, end of period $ 1,549 $ 558 $ 2,107 AULC balance, beginning of period $ 34 $ 18 $ 52 Provision for unfunded lending commitments (2) 45 2 47 Unfunded lending commitment losses (1) — (1) AULC balance, end of period $ 78 $ 20 $ 98 ACL balance, end of period $ 1,627 $ 578 $ 2,205 (1) Includes $234 million of TCF acquisition initial provision for credit losses related to non-PCD loans and leases. (2) Includes $60 million from acquired unfunded lending commitments.

MORTGAGE LOAN SALES AND SERVI_2

MORTGAGE LOAN SALES AND SERVICING RIGHTS (Tables)	9 Months Ended
	Sep. 30, 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 and nine-month periods ended September 30, 2022 and 2021: Three Months Ended Nine Months Ended (dollar amounts in millions) 2022 2021 2022 2021 Residential mortgage loans sold with servicing retained $ 1,310 $ 2,298 $ 4,557 $ 7,302 Pretax gains resulting from above loan sales (1) 11 80 110 274 (1) Recorded in mortgage banking income.
Summarizes activity relating to loans sold with servicing retained using the fair value method	The following table summarizes the changes in MSRs recorded using the fair value method for the three-month and nine-month periods ended September 30, 2022 and 2021: Three Months Ended Nine Months Ended (dollar amounts in millions) 2022 2021 2022 2021 Fair value, beginning of period $ 463 $ 327 $ 351 $ 210 Servicing assets obtained in acquisition — `` — — 59 New servicing assets created 20 31 68 103 Change in fair value during the period due to: Time decay (1) (6) (4) (16) (11) Payoffs (2) (8) (17) (29) (50) Changes in valuation inputs or assumptions (3) 17 1 112 27 Fair value, end of period $ 486 $ 338 $ 486 $ 338 (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 September 30, 2022, and December 31, 2021 follows: September 30, 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) 7.04 % $ (12) $ (24) 12.28 % $ (17) $ (32) Spread over forward interest rate swap rates 579 bps (11) (22) 466 bps (7) (13)

BORROWINGS (Tables)

BORROWINGS (Tables)	9 Months Ended
	Sep. 30, 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 September 30, 2022 and December 31, 2021, respectively: (dollar amounts in millions) September 30, December 31, Federal funds purchased and securities sold under agreements to repurchase $ 300 $ 320 Other borrowings 126 14 Total short-term borrowings $ 426 $ 334
Schedule of Long-term Debt Instruments	Huntington’s long-term debt consisted of the following at September 30, 2022 and December 31, 2021, respectively: (dollar amounts in millions) September 30, December 31, The Parent Company: Senior Notes $ 2,990 $ 2,083 Subordinated Notes 973 1,028 Total notes issued by the parent 3,963 3,111 The Bank: Senior Notes 2,287 2,434 Subordinated Notes 650 811 Total notes issued by the bank 2,937 3,245 FHLB Advances 2,712 215 Other 556 537 Total long-term debt $ 10,168 $ 7,108

OTHER COMPREHENSIVE INCOME (Tab

OTHER COMPREHENSIVE INCOME (Tables)	9 Months Ended
	Sep. 30, 2022
Equity [Abstract]
Components of other comprehensive income	The components of Huntington’s OCI for the three-month and nine-month periods ended September 30, 2022 and 2021, were as follows: (dollar amounts in millions) Pretax Tax (Expense) benefit After-tax Three Months Ended September 30, 2022 Unrealized losses on available-for-sale securities arising during the period $ (1,265) $ 291 $ (974) Reclassification adjustment for realized net losses included in net income 4 (1) 3 Total unrealized losses on available-for-sale securities (1,261) 290 (971) Net impact of fair value hedges on available-for-sale securities 325 (75) 250 Change in fair value related to cash flow hedges (591) 135 (456) Foreign currency translation adjustment (1) (15) — (15) Net unrealized gains (losses) on net investment hedges 11 — 11 Translation adjustments, net of hedges (1) (4) — (4) Change in accumulated unrealized gains for pension and other post retirement obligations 3 — 3 Other comprehensive loss $ (1,528) $ 350 $ (1,178) Three Months Ended September 30, 2021 Unrealized gains on available-for-sale securities arising during the period $ (112) $ 26 $ (86) Reclassification adjustment for realized net losses included in net income 5 (1) 4 Total unrealized losses on available-for-sale securities (107) 25 (82) Change in fair value related to cash flow hedges (43) 14 (29) Foreign currency translation adjustment (1) (7) — (7) Net unrealized gains (losses) on net investment hedges 9 — 9 Translation adjustments, net of hedges (1) 2 — 2 Change in accumulated unrealized gains for pension and other post retirement obligations 3 — 3 Other comprehensive income $ (145) $ 39 $ (106) Nine Months Ended September 30, 2022 Unrealized losses on available-for-sale securities arising during the period $ (3,952) $ 909 $ (3,043) Reclassification adjustment for realized net losses (gains) included in net income 95 (22) 73 Total unrealized gains (losses) on available-for-sale securities (3,857) 887 (2,970) Net impact of fair value hedges on available-for-sale securities 917 (212) 705 Change in fair value related to cash flow hedges (1,012) 230 (782) Foreign currency translation adjustment (1) (21) — (21) Net unrealized gains (losses) on net investment hedges 15 — 15 Translation adjustments, net of hedges (1) (6) — (6) Change in accumulated unrealized gains for pension and other post retirement obligations 8 (2) 6 Other comprehensive loss $ (3,950) $ 903 $ (3,047) Nine Months Ended September 30, 2021 Unrealized losses on available-for-sale securities arising during the period $ (311) $ 70 $ (241) Reclassification adjustment for realized net losses (gains) included in net income 27 (6) 21 Total unrealized losses on available-for-sale securities (284) 64 (220) Net impact of fair value hedges on available-for-sale securities 38 (9) 29 Change in fair value related to cash flow hedges (173) 42 (131) Foreign currency translation adjustment (1) (13) — (13) Net unrealized gains (losses) on net investment hedges 9 — 9 Translation adjustments, net of hedges (1) (4) — (4) Change in accumulated unrealized gains for pension and other post retirement obligations 12 (3) 9 Other comprehensive loss $ (411) $ 94 $ (317) (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 and nine-month periods ended September 30, 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 Total Three Months Ended September 30, 2022 Balance, beginning of period $ (2,152) $ 544 $ (263) $ (5) $ (222) $ (2,098) Other comprehensive income (loss) before reclassifications (974) 250 (456) (4) — (1,184) Amounts reclassified from accumulated OCI to earnings 3 — — — 3 6 Period change (971) 250 (456) (4) 3 (1,178) Balance, end of period $ (3,123) $ 794 $ (719) $ (9) $ (219) $ (3,276) Three Months Ended September 30, 2021 Balance, beginning of period $ 50 $ 31 $ 153 $ (6) $ (247) $ (19) Other comprehensive income (loss) before reclassifications (86) — (29) 2 — (113) Amounts reclassified from accumulated OCI to earnings 4 — — — 3 7 Period change (82) — (29) 2 3 (106) Balance, end of period $ (32) $ 31 $ 124 $ (4) $ (244) $ (125) Nine Months Ended September 30, 2022 Balance, beginning of period $ (153) $ 89 $ 63 $ (3) $ (225) $ (229) Other comprehensive loss before reclassifications (3,043) 705 (782) (6) — (3,126) Amounts reclassified from accumulated OCI to earnings 73 — — — 6 79 Period change (2,970) 705 (782) (6) 6 (3,047) Balance, end of period $ (3,123) $ 794 $ (719) $ (9) $ (219) $ (3,276) Nine Months Ended September 30, 2021 Balance, beginning of period $ 188 $ 2 $ 255 $ — $ (253) $ 192 Other comprehensive income before reclassifications (241) 29 (131) (4) — (347) Amounts reclassified from accumulated OCI to earnings 21 — — — 9 30 Period change (220) 29 (131) (4) 9 (317) Balance, end of period $ (32) $ 31 $ 124 $ (4) $ (244) $ (125) (1) AOCI amounts at September 30, 2022 and September 30, 2021 include $69 million and $41 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)	9 Months Ended
	Sep. 30, 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) September 30, 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 (4) 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 preferred stock have a liquidation value and redemption price per share of $1,000, plus any declared and unpaid dividends. (3) Series E, F, and G preferred stock have a liquidation value and redemption price per share of $100,000, plus any declared and unpaid dividends. (4) Series I preferred stock has a liquidation value and redemption price per share of $25,000, plus any declared and unpaid dividends. The following table presents the dividends declared for each series of Preferred shares for the three-month and nine-month periods ended September 30, 2022 and 2021: Three Months Ended September 30, Nine months ended September 30, (amounts in millions, except per share data) 2022 2021 2022 2021 Cash Dividend Declared Per Share Cash Dividend Declared Per Share Cash Dividend Declared Per Share Cash Dividend Declared Per Share Preferred Series Amount ($) Amount ($) Amount ($) Amount ($) Series B $ 16.95 $ — $ 7.07 $ — $ 39.34 $ — $ 21.63 $ — Series C — — 14.69 (1) — — 44.07 (4) Series D — — — — — — 31.25 (18) Series E 1,425.00 (7) 1,425.00 (7) 4,275.00 (21) 4,275.00 (21) Series F 1,406.25 (7) 1,406.25 (7) 4,218.75 (21) 4,218.75 (21) Series G 1,112.50 (6) 1,112.50 (6) 3,337.50 (18) 3,337.50 (18) Series H 11.25 (6) 11.25 (6) 33.75 (18) 30.75 (16) Series I 356.25 (3) 356.25 (2) 1,068.75 (7) 712.50 (5) Total $ (29) $ (29) $ (85) $ (103)

EARNINGS PER SHARE (Tables)

EARNINGS PER SHARE (Tables)	9 Months Ended
	Sep. 30, 2022
Earnings Per Share [Abstract]
Basic and diluted earnings per share	The calculation of basic and diluted earnings per share for the three-month and nine-month periods ended September 30, 2022 and 2021 was as follows: Three Months Ended Nine Months Ended (dollar amounts in millions, except per share data, share count in thousands) 2022 2021 2022 2021 Basic earnings per common share: Net income attributable to Huntington Bancshares Inc $ 594 $ 377 $ 1,593 $ 894 Preferred stock dividends 29 29 85 103 Impact of preferred stock redemption — 15 — 15 Net income available to common shareholders $ 565 $ 333 $ 1,508 $ 776 Average common shares issued and outstanding 1,442,591 1,462,736 1,440,740 1,201,763 Basic earnings per common share $ 0.39 $ 0.23 $ 1.05 $ 0.65 Diluted earnings per common share: Dilutive potential common shares: Stock options and restricted stock units and awards 16,064 17,536 17,078 17,623 Shares held in deferred compensation plans 6,428 7,063 6,416 6,042 Dilutive potential common shares 22,492 24,599 23,494 23,665 Total diluted average common shares issued and outstanding 1,465,083 1,487,335 1,464,234 1,225,428 Diluted earnings per common share $ 0.39 $ 0.22 $ 1.03 $ 0.63 Anti-dilutive awards (1) 7,121 4,609 5,565 4,410 (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)	9 Months Ended
	Sep. 30, 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 September 30, Nine Months Ended September 30, Noninterest income 2022 2021 2022 2021 Noninterest income from contracts with customers $ 345 $ 315 $ 975 $ 794 Noninterest income within the scope of other GAAP topics 153 220 507 580 Total noninterest income $ 498 $ 535 $ 1,482 $ 1,374 The following table illustrates the disaggregation by operating segment and major revenue stream and reconciles disaggregated revenue to segment revenue presented in Note 17 “ Segment Reporting ”. Three Months Ended September 30, 2022 (dollar amounts in millions) Commercial Banking Consumer & Business Banking Vehicle Finance RBHPCG Treasury / Other Huntington Consolidated Major Revenue Streams Service charges on deposit accounts $ 20 $ 70 $ 2 $ 1 $ — $ 93 Card and payment processing income 6 84 — — — 90 Trust and investment management services 1 16 — 43 — 60 Insurance income 2 14 — 11 1 28 Capital markets fees 37 2 1 — (2) 38 Other noninterest income 29 6 1 1 (1) 36 Net revenue from contracts with customers $ 95 $ 192 $ 4 $ 56 $ (2) $ 345 Noninterest income within the scope of other GAAP topics 86 51 — 1 15 153 Total noninterest income $ 181 $ 243 $ 4 $ 57 $ 13 $ 498 Three Months Ended September 30, 2021 (dollar amounts in millions) Commercial Banking Consumer & Business Banking Vehicle Finance RBHPCG Treasury / Other Huntington Consolidated Major Revenue Streams Service charges on deposit accounts $ 23 $ 89 $ 1 $ 1 $ — $ 114 Card and payment processing income 6 85 — — — 91 Trust and investment management services — 17 — 44 — 61 Insurance income 2 12 — 11 — 25 Capital markets fees 4 1 — 1 — 6 Other noninterest income 1 7 1 1 8 18 Net revenue from contracts with customers $ 36 $ 211 $ 2 $ 58 $ 8 $ 315 Noninterest income within the scope of other GAAP topics 114 91 2 — 13 220 Total noninterest income $ 150 $ 302 $ 4 $ 58 $ 21 $ 535 Nine Months Ended September 30, 2022 (dollar amounts in millions) Commercial Banking Consumer & Business Banking Vehicle Finance RBHPCG Treasury / Other Huntington Consolidated Major Revenue Streams Service charges on deposit accounts $ 65 $ 222 $ 5 $ 3 $ — $ 295 Card and payment processing income 17 242 — — — 259 Trust and investment management services 3 51 — 134 — 188 Insurance income 6 40 — 39 1 86 Capital markets fees 48 6 2 1 (2) 55 Other noninterest income 72 18 1 2 (1) 92 Net revenue from contracts with customers $ 211 $ 579 $ 8 $ 179 $ (2) $ 975 Noninterest income within the scope of other GAAP topics 262 206 2 2 35 507 Total noninterest income $ 473 $ 785 $ 10 $ 181 $ 33 $ 1,482 Nine Months Ended September 30, 2021 (dollar amounts in millions) Commercial Banking Consumer & Business Banking Vehicle Finance RBHPCG Treasury / Other Huntington Consolidated Major Revenue Streams Service charges on deposit accounts $ 64 $ 201 $ 4 $ 2 $ — $ 271 Card and payment processing income 14 211 — — — 225 Trust and investment management services 1 45 — 122 — 168 Insurance income 5 38 — 33 1 77 Capital markets fees 11 4 1 1 — 17 Other noninterest income 3 15 1 6 11 36 Net revenue from contracts with customers $ 98 $ 514 $ 6 $ 164 $ 12 $ 794 Noninterest income within the scope of other GAAP topics 255 266 3 1 55 580 Total noninterest income $ 353 $ 780 $ 9 $ 165 $ 67 $ 1,374

FAIR VALUES OF ASSETS AND LIA_2

FAIR VALUES OF ASSETS AND LIABILITIES (Tables)	9 Months Ended
	Sep. 30, 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) September 30, 2022 (dollar amounts in millions) Level 1 Level 2 Level 3 Assets Trading account securities: Municipal securities $ — $ 32 $ — $ — $ 32 Available-for-sale securities: U.S. Treasury securities 5 — — — 5 Residential CMOs — 3,035 — — 3,035 Residential MBS — 11,983 — — 11,983 Commercial MBS — 2,038 — — 2,038 Other agencies — 190 — — 190 Municipal securities — 44 3,332 — 3,376 Private-label CMO — 121 21 — 142 Asset-backed securities — 301 70 — 371 Corporate debt — 2,162 — — 2,162 Other securities/sovereign debt — 4 — — 4 Total available-for-sale securities 5 19,878 3,423 — 23,306 Other securities 47 3 — — 50 Loans held for sale — 758 — — 758 Loans held for investment — 166 16 — 182 MSRs — — 486 — 486 Other assets: Derivative assets — 2,521 2 (2,104) 419 Assets held in trust for deferred compensation plans 111 — — — 111 Liabilities Derivative liabilities — 2,652 11 (1,460) 1,203 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 September 30, 2022 Opening balance $ 463 $ (5) $ 3,377 $ 22 $ 44 $ 17 Transfers out of Level 3 (1) — (6) — — — — Total gains/losses for the period: Included in earnings: Mortgage banking income 17 2 — — — — Included in OCI — — (66) — — — Purchases/originations 20 — 309 — 26 — Repayments — — — — — (1) Settlements (14) — (288) (1) — — Closing balance $ 486 $ (9) $ 3,332 $ 21 $ 70 $ 16 Change in unrealized gains or losses for the period included in earnings for assets held at end of the reporting date $ 17 $ (8) $ — $ — $ — $ — Change in unrealized gains or losses for the period included in other comprehensive income for assets held at the end of the reporting period — — (69) — (1) — Three Months Ended September 30, 2021 Opening balance $ 327 $ 23 $ 3,609 $ 18 $ 46 $ 21 Transfers out of Level 3 (1) — (39) — — — — Total gains/losses for the period: Included in earnings: Mortgage banking income 1 28 — — — — Interest and fee income — — (1) — — — Included in OCI — — (8) — — — Purchases/originations 31 — 260 — — — Sales — — (17) — — — Repayments — — — — — (1) Settlements (21) — (261) — (11) — Closing balance $ 338 $ 12 $ 3,582 $ 18 $ 35 $ 20 Change in unrealized gains or losses for the period included in earnings for assets held at end of the reporting date $ 1 $ (12) $ — $ — $ — $ — Change in unrealized gains or losses for the period included in other comprehensive income for assets held at the end of the reporting period — — (10) — — — Level 3 Fair Value Measurements Available-for-sale securities Loans held for investment (dollar amounts in millions) MSRs Derivative instruments Municipal securities Private- label CMO Asset-backed securities Nine Months Ended September 30, 2022 Opening balance $ 351 $ 4 $ 3,477 $ 20 $ 71 $ 19 Transfers out of Level 3 (1) — (6) — — — — Total gains/losses for the period: Included in earnings: Mortgage banking income 112 (7) — — — — Interest and fee income — — (2) (2) — — Provision for credit losses — — (4) — — — Included in OCI — — (274) — (1) — Purchases/originations 68 — 867 4 26 — Repayments — — — — — (3) Settlements (45) — (732) (1) (26) — Closing balance $ 486 $ (9) $ 3,332 $ 21 $ 70 $ 16 Change in unrealized gains or losses for the period included in earnings for assets held at end of the reporting date $ 112 $ (17) $ — $ — $ — $ — Change in unrealized gains or losses for the period included in other comprehensive income for assets held at the end of the reporting period — — (274) — (1) — Nine Months Ended September 30, 2021 Opening balance $ 210 $ 41 $ 2,951 $ 9 $ 10 $ 23 Transfers out of Level 3 (1) — (109) — — — — Total gains/losses for the period: Included in earnings Mortgage banking income 27 73 — — — — Interest and fee income — — (1) — — — Included in OCI — — (13) — — — Purchases/originations/acquisitions 162 7 1,613 8 75 — Sales — — (369) — — — Repayments — — — — — (3) Settlements (61) — (599) 1 (50) — Closing balance $ 338 $ 12 $ 3,582 $ 18 $ 35 $ 20 Change in unrealized gains or losses for the period included in earnings for assets held at end of the reporting date $ 27 $ (33) $ — $ — $ — $ — Change in unrealized gains or losses for the period included in other comprehensive income for assets held at the end of the reporting period — — (14) — — — (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 September 30, 2022 Assets Loans held for sale $ 758 $ 781 $ (23) $ — $ — $ — Loans held for investment 182 187 (5) 3 3 — 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 September 30, Nine Months Ended September 30, Assets 2022 2021 2022 2021 Loans held for sale (1) $ (22) $ (4) $ (56) $ (30) 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 September 30, Nine Months Ended September 30, (dollar amounts in millions) September 30, 2022 December 31, 2021 2022 2021 2022 2021 Collateral-dependent loans $ 47 $ 39 $ — $ — $ (1) $ (2) Loans held for sale 61 — 1 (1) 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 September 30, 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 5 % - 22% 7 % 8 % —% 23 % 12 % Spread over forward interest rate swap rates 5 % - 13% 6 % 3 % —% 11 % 5 % Derivative instruments Consensus Pricing Net market price (20) % - 6% (3) % (4) % —% 8 % 1 % Estimated pull through % 5 % - 100% 94 % 6 % —% 100 % 92 % Municipal securities and asset-backed securities Discounted cash flow Discount rate 4 % - 5% 5 % — % —% 2 % 1 % Cumulative default — % - 64% 7 % — % —% 64 % 5 % Loss given default 5 % - 80% 25 % 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 September 30, 2022 Financial Assets Cash and short-term assets $ 4,592 $ — $ — $ 4,592 $ 4,592 Trading account securities — — 32 32 32 Available-for-sale securities — — 23,306 23,306 23,306 Held-to-maturity securities 17,173 — — 17,173 14,835 Other securities 768 — 50 818 818 Loans held for sale — 135 758 893 900 Net loans and leases (1) 115,855 — 182 116,037 110,944 Derivative assets — — 419 419 419 Assets held in trust for deferred compensation plans — — 111 111 111 Financial Liabilities Deposits 146,313 — — 146,313 146,211 Short-term borrowings 426 — — 426 426 Long-term debt 10,168 — — 10,168 9,995 Derivative liabilities — — 1,203 1,203 1,203 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 September 30, 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 September 30, 2022 Financial Assets Trading account securities $ — $ 32 $ — $ 32 Available-for-sale securities 5 19,878 3,423 23,306 Held-to-maturity securities — 14,835 — 14,835 Other securities (2) 47 3 — 50 Loans held for sale — 758 142 900 Net loans and leases — 166 110,778 110,944 Derivative assets — 2,521 2 $ (2,104) 419 Financial Liabilities Deposits — 142,710 3,501 146,211 Short-term borrowings — 426 — 426 Long-term debt — 6,631 3,364 9,995 Derivative liabilities — 2,652 11 (1,460) 1,203 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)	9 Months Ended
	Sep. 30, 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 September 30, 2022 and December 31, 2021. Amounts in the table below are presented gross without the impact of any net collateral arrangements. September 30, 2022 December 31, 2021 (dollar amounts in millions) Notional Value Asset Liability Notional Value Asset Liability Derivatives designated as Hedging Instruments Interest rate contracts $ 38,351 $ 1,036 $ 1,205 $ 21,306 $ 258 $ 32 Foreign exchange contracts 206 — 13 210 1 — Derivatives not designated as Hedging Instruments Interest rate contracts 39,835 1,188 1,181 45,286 587 498 Foreign exchange contracts 4,483 98 64 3,524 29 31 Commodities contracts 1,045 201 198 1,077 178 177 Equity contracts 559 — 2 685 12 5 Total Contracts $ 84,479 $ 2,523 $ 2,663 $ 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 and nine-month periods ended September 30, 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 Nine Months Ended (dollar amounts in millions) 2022 2021 2022 2021 Interest rate contracts: Customer Capital markets fees $ 12 $ 13 $ 37 $ 37 Mortgage banking Mortgage banking income — 5 (80) (24) Interest rate floors Interest and fee income on loans and leases — (4) — (8) Interest rate caps Interest expense on long-term debt — — — 89 Foreign exchange contracts Capital markets fees 12 9 32 22 Commodities contracts Capital markets fees 1 (1) 4 (1) Equity contracts Other noninterest expense (1) (2) (4) (6) Total $ 24 $ 20 $ (11) $ 109
Gross notional values of derivatives used in asset and liability management activities	The following table presents the gross notional values of derivatives used in Huntington’s asset and liability management activities at September 30, 2022 and December 31, 2021, identified by the underlying interest rate-sensitive instruments. September 30, 2022 (dollar amounts in millions) Fair Value Hedges Cash Flow Hedges Economic Hedges Total Instruments associated with: Investment securities $ 10,297 $ — $ — $ 10,297 Loans — 22,325 271 22,596 Long-term debt 5,729 — — 5,729 Total notional value at September 30, 2022 $ 16,026 $ 22,325 $ 271 $ 38,622 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 and nine-month periods ended September 30, 2022 and 2021. Three Months Ended Nine Months Ended (dollar amounts in millions) 2022 2021 2022 2021 Interest rate contracts Change in fair value of interest rate swaps hedging investment securities (1) $ 340 $ 2 $ 926 $ 39 Change in fair value of hedged investment securities (1) (324) — (914) (40) Change in fair value of interest rate swaps hedging long-term debt (2) (178) (22) (314) (95) Change in fair value of hedged long term debt (2) 178 22 315 96 (1) Recognized in Interest income—available-for-sale securities—taxable in the Unaudited Condensed Consolidated Statements of Income . (2) Recognized in Interest expense—long-term debt in the Unaudited Condensed Consolidated Statements of Income .
Amounts recorded on the balance sheet related to cumulative basis adjustments	As of September 30, 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) September 30, 2022 December 31, 2021 September 30, 2022 December 31, 2021 Assets Investment securities (1) $ 18,026 $ 17,150 $ (1,032) $ (117) Liabilities Long-term debt (2) 4,095 1,981 (271) 45 (1) Amounts include the amortized cost basis of closed portfolios used to designate hedging relationships under the portfolio layer method. The hedged item is a layer of the closed portfolio which is expected to be remaining at the end of the hedging relationship. As of September 30, 2022, the amortized cost basis of the closed portfolios used in these hedging relationships was $17.2 billion, the cumulative basis adjustments associated with these hedging relationships was $892 million, and the amounts of the designated hedging instruments were $9.4 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 $(69) million at September 30, 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 September 30, 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 September 30, 2022 $ 2,523 $ (2,104) $ 419 $ (6) $ (121) $ 292 December 31, 2021 1,065 (465) 600 (65) (31) 504
MSR Derivative Hedging	The notional value of the derivative financial instruments, the corresponding trading assets and liabilities positions, and net trading gains (losses) related to MSR hedging activity is summarized in the following table: (dollar amounts in millions) September 30, December 31, Notional value $ 1,095 $ 1,330 Trading assets 4 19 Trading liabilities (80) — Three Months Ended Nine Months Ended (dollar amounts in millions) 2022 2021 2022 2021 Trading gains (losses) $ (25) $ (4) $ (105) $ (28)
Offsetting of financial liabilities and derivative liabilities	Offsetting of Financial Liabilities and Derivative Liabilities Gross amounts offset in the unaudited condensed consolidated balance sheets Net amounts of liabilities presented in the unaudited condensed consolidated balance sheets Gross amounts not offset in the unaudited condensed consolidated balance sheets (dollar amounts in millions) Gross amounts of recognized liabilities Financial instruments Cash collateral delivered Net amount September 30, 2022 $ 2,663 $ (1,460) $ 1,203 $ (79) $ (148) $ 976 December 31, 2021 743 (624) 119 (3) (116) —

VIEs (Tables)

VIEs (Tables)	9 Months Ended
	Sep. 30, 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 September 30, 2022, and December 31, 2021: September 30, 2022 (dollar amounts in millions) Total Assets Total Liabilities Maximum Exposure to Loss Affordable Housing Tax Credit Partnerships $ 1,910 $ 1,169 $ 1,910 Trust Preferred Securities 8 179 — Other Investments 522 148 522 Total $ 2,440 $ 1,496 $ 2,432 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 September 30, 2022 follows: (dollar amounts in millions) Rate Principal amount of subordinated note/ debenture issued to trust (1) Investment in unconsolidated subsidiary Huntington Capital II 4.38 (2) $ 32 $ 3 Sky Financial Capital Trust III 5.15 (3) 72 2 Sky Financial Capital Trust IV 5.15 (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 September 30, 2022, based on three-month LIBOR +0.625%. (3) Variable effective rate at September 30, 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 September 30, 2022 and December 31, 2021. (dollar amounts in millions) September 30, December 31, Affordable housing tax credit investments $ 2,743 $ 2,376 Less: amortization (833) (724) Net affordable housing tax credit investments $ 1,910 $ 1,652 Unfunded commitments $ 1,169 $ 949 The following table presents other information relating to Huntington’s affordable housing tax credit investments for the three-month and nine-month periods ended September 30, 2022 and 2021. Three Months Ended Nine Months Ended (dollar amounts in millions) 2022 2021 2022 2021 Tax credits and other tax benefits recognized $ 52 $ 36 $ 159 $ 113 Proportional amortization expense included in provision for income taxes 45 34 131 92

COMMITMENTS AND CONTINGENT LI_2

COMMITMENTS AND CONTINGENT LIABILITIES (Tables)	9 Months Ended
	Sep. 30, 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 September 30, 2022 and December 31, 2021, were as follows: (dollar amounts in millions) September 30, December 31, Contract amount representing credit risk Commitments to extend credit: Commercial $ 30,478 $ 27,933 Consumer 19,283 18,513 Commercial real estate 3,491 3,042 Standby letters of credit and guarantees on industrial revenue bonds 733 694 Commercial letters of credit 14 36

SEGMENT REPORTING (Tables)

SEGMENT REPORTING (Tables)	9 Months Ended
	Sep. 30, 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 September 30, 2022, December 31, 2021, and September 30, 2021, reported results by business segment. Three Months Ended September 30, Income Statements Commercial Banking Consumer & Business Banking Vehicle Finance RBHPCG Treasury / Other Huntington Consolidated (dollar amounts in millions) 2022 Net interest income $ 495 $ 708 $ 120 $ 63 $ 18 $ 1,404 Provision (benefit) for credit losses 84 64 (43) 1 — 106 Noninterest income 181 243 4 57 13 498 Noninterest expense 271 605 41 79 57 1,053 Provision (benefit) for income taxes 66 60 27 8 (15) 146 Income attributable to non-controlling interest 3 — — — — 3 Net income (loss) attributable to Huntington Bancshares Inc $ 252 $ 222 $ 99 $ 32 $ (11) $ 594 2021 Net interest income $ 416 $ 483 $ 123 $ 42 $ 96 $ 1,160 Provision (benefit) for credit losses (34) (7) (25) 4 — (62) Noninterest income 150 302 4 58 21 535 Noninterest expense 247 637 48 84 273 1,289 Provision (benefit) for income taxes 73 33 22 3 (41) 90 Income attributable to non-controlling interest 1 — — — — 1 Net income (loss) attributable to Huntington Bancshares Inc $ 279 $ 122 $ 82 $ 9 $ (115) $ 377 Nine Months Ended September 30, Income Statements Commercial Banking Consumer & Business Banking Vehicle Finance RBHPCG Treasury / Other Huntington Consolidated (dollar amounts in millions) 2022 Net interest income $ 1,339 $ 1,701 $ 357 $ 167 $ 247 $ 3,811 Provision for credit losses 9 138 36 15 — 198 Noninterest income 473 785 10 181 33 1,482 Noninterest expense 767 1,807 127 241 182 3,124 Provision (benefit) for income taxes 217 114 43 19 (22) 371 Income attributable to non-controlling interest 7 — — — — 7 Net income attributable to Huntington Bancshares Inc $ 812 $ 427 $ 161 $ 73 $ 120 $ 1,593 2021 Net interest income $ 873 $ 1,187 $ 340 $ 113 $ 457 $ 2,970 Provision (benefit) for credit losses 107 57 (77) 2 — 89 Noninterest income 353 780 9 165 67 1,374 Noninterest expense 553 1,617 119 217 648 3,154 Provision (benefit) for income taxes 119 62 64 12 (51) 206 Income attributable to non-controlling interest 1 — — — — 1 Net income (loss) attributable to Huntington Bancshares Inc $ 446 $ 231 $ 243 $ 47 $ (73) $ 894
Segment Disclosure of Assets and Deposits	Assets at Deposits at (dollar amounts in millions) September 30, December 31, September 30, December 31, Commercial Banking $ 62,924 $ 57,071 $ 37,194 $ 31,845 Consumer & Business Banking 38,424 39,929 93,854 95,352 Vehicle Finance 21,461 20,752 1,173 1,401 RBHPCG 9,876 8,325 8,982 10,162 Treasury / Other 46,717 47,987 5,110 4,503 Total $ 179,402 $ 174,064 $ 146,313 $ 143,263

BUSINESS COMBINATIONS - Narrati

BUSINESS COMBINATIONS - Narrative (Details) - USD ($) $ in Millions	Sep. 30, 2022	Jun. 15, 2022	Dec. 31, 2021
Business Acquisition [Line Items]
Goodwill	$ 5,571		$ 5,349
Capstone Partners | Commercial Banking
Business Acquisition [Line Items]
Goodwill		$ 192

INVESTMENT SECURITIES AND OTH_3

INVESTMENT SECURITIES AND OTHER SECURITIES - Schedule of Amortized Cost, Fair Value, and Gross Unrealized Gains and Losses (Details) - USD ($) $ in Millions	Sep. 30, 2022	Dec. 31, 2021
Available-for-sale securities:
Available-for-sale securities, Amortized cost	$ 27,130	$ 28,506
Available-for-sale securities, Gross Gains	143	269
Available-for-sale securities, Gross Losses	(3,967)	(315)
Available-for-sale securities	23,306	28,460
Held-to-maturity securities:
Held-to-maturity securities	17,173	12,447
Held-to-maturity securities, Gross Gains	0	126
Held-to-maturity securities, Gross Losses	(2,338)	(84)
Held-to-maturity securities, Fair Value	14,835	12,489
Other securities, Amortized Cost	817	647
Other securities, Gross Gains	1	1
Other securities, Gross Losses	0	0
Other securities, Fair Value	818	648
Cumulative basis adjustments associated with hedging relationships	892
Available-for-sale Securities
Held-to-maturity securities:
Accrued interest receivable	71	62
Held-to-maturity Securities
Held-to-maturity securities:
Accrued interest receivable	38	26
U.S. Treasury
Available-for-sale securities:
Available-for-sale securities, Amortized cost	5	5
Available-for-sale securities, Gross Gains	0	0
Available-for-sale securities, Gross Losses	0	0
Available-for-sale securities	5	5
Residential CMO
Available-for-sale securities:
Available-for-sale securities, Amortized cost	3,417	4,649
Available-for-sale securities, Gross Gains	0	40
Available-for-sale securities, Gross Losses	(382)	(40)
Available-for-sale securities	3,035	4,649
Held-to-maturity securities:
Held-to-maturity securities	4,757	2,602
Held-to-maturity securities, Gross Gains	0	35
Held-to-maturity securities, Gross Losses	(667)	(20)
Held-to-maturity securities, Fair Value	4,090	2,617
Residential MBS
Available-for-sale securities:
Available-for-sale securities, Amortized cost	14,269	15,533
Available-for-sale securities, Gross Gains	0	135
Available-for-sale securities, Gross Losses	(2,286)	(160)
Available-for-sale securities	11,983	15,508
Held-to-maturity securities:
Held-to-maturity securities	10,517	7,475
Held-to-maturity securities, Gross Gains	0	41
Held-to-maturity securities, Gross Losses	(1,474)	(59)
Held-to-maturity securities, Fair Value	9,043	7,457
Commercial MBS
Available-for-sale securities:
Available-for-sale securities, Amortized cost	2,581	1,896
Available-for-sale securities, Gross Gains	0	7
Available-for-sale securities, Gross Losses	(543)	(38)
Available-for-sale securities	2,038	1,865
Held-to-maturity securities:
Held-to-maturity securities	1,756	2,175
Held-to-maturity securities, Gross Gains	0	45
Held-to-maturity securities, Gross Losses	(188)	(5)
Held-to-maturity securities, Fair Value	1,568	2,215
Other agencies
Available-for-sale securities:
Available-for-sale securities, Amortized cost	199	248
Available-for-sale securities, Gross Gains	0	1
Available-for-sale securities, Gross Losses	(9)	(1)
Available-for-sale securities	190	248
Held-to-maturity securities:
Held-to-maturity securities	141	193
Held-to-maturity securities, Gross Gains	0	5
Held-to-maturity securities, Gross Losses	(9)	0
Held-to-maturity securities, Fair Value	132	198
Total U.S. Treasury, federal agency, and other agency securities
Available-for-sale securities:
Available-for-sale securities, Amortized cost	20,471	22,331
Available-for-sale securities, Gross Gains	0	183
Available-for-sale securities, Gross Losses	(3,220)	(239)
Available-for-sale securities	17,251	22,275
Held-to-maturity securities:
Held-to-maturity securities	17,171	12,445
Held-to-maturity securities, Gross Gains	0	126
Held-to-maturity securities, Gross Losses	(2,338)	(84)
Held-to-maturity securities, Fair Value	14,833	12,487
Municipal securities
Available-for-sale securities:
Available-for-sale securities, Amortized cost	3,626	3,497
Available-for-sale securities, Gross Gains	1	62
Available-for-sale securities, Gross Losses	(251)	(33)
Available-for-sale securities	3,376	3,526
Held-to-maturity securities:
Held-to-maturity securities	2	2
Held-to-maturity securities, Gross Gains	0	0
Held-to-maturity securities, Gross Losses	0	0
Held-to-maturity securities, Fair Value	2	2
Private-label CMO
Available-for-sale securities:
Available-for-sale securities, Amortized cost	151	106
Available-for-sale securities, Gross Gains	1	1
Available-for-sale securities, Gross Losses	(10)	(1)
Available-for-sale securities	142	106
Asset-backed securities
Available-for-sale securities:
Available-for-sale securities, Amortized cost	414	385
Available-for-sale securities, Gross Gains	1	1
Available-for-sale securities, Gross Losses	(44)	(4)
Available-for-sale securities	371	382
Corporate debt
Available-for-sale securities:
Available-for-sale securities, Amortized cost	2,464	2,183
Available-for-sale securities, Gross Gains	140	22
Available-for-sale securities, Gross Losses	(442)	(38)
Available-for-sale securities	2,162	2,167
Other securities/Sovereign debt
Available-for-sale securities:
Available-for-sale securities, Amortized cost	4	4
Available-for-sale securities, Gross Gains	0	0
Available-for-sale securities, Gross Losses	0	0
Available-for-sale securities	4	4
Equity securities
Held-to-maturity securities:
Other securities, Amortized Cost	8	12
Other securities, Gross Gains	0	0
Other securities, Gross Losses	0	0
Other securities, Fair Value	8	12
Mutual funds
Held-to-maturity securities:
Other securities, Amortized Cost	47	65
Other securities, Gross Gains	0	0
Other securities, Gross Losses	0	0
Other securities, Fair Value	47	65
Equity securities
Held-to-maturity securities:
Other securities, Amortized Cost	2	6
Other securities, Gross Gains	1	1
Other securities, Gross Losses	0	0
Other securities, Fair Value	3	7
Federal Home Loan Bank stock | Non-marketable equity securities:
Held-to-maturity securities:
Other securities, Amortized Cost	245	52
Other securities, Gross Gains	0	0
Other securities, Gross Losses	0	0
Other securities, Fair Value	245	52
Federal Reserve Bank stock | Non-marketable equity securities:
Held-to-maturity securities:
Other securities, Amortized Cost	515	512
Other securities, Gross Gains	0	0
Other securities, Gross Losses	0	0
Other securities, Fair Value	$ 515	$ 512

INVESTMENT SECURITIES AND OTH_4

INVESTMENT SECURITIES AND OTHER SECURITIES - Contractual Maturities (Details) - USD ($) $ in Millions	Sep. 30, 2022	Dec. 31, 2021
Available-for-sale securities, amortized cost:
Under 1 year	$ 462	$ 377
After 1 year through 5 years	2,566	1,888
After 5 years through 10 years	3,059	3,166
After 10 years	21,043	23,075
Total available-for-sale securities	27,130	28,506
Available-for-sale securities, fair value:
Under 1 year	448	374
After 1 year through 5 years	2,367	1,880
After 5 years through 10 years	2,735	3,180
After 10 years	17,756	23,026
Total available-for-sale securities	23,306	28,460
Held-to-maturity securities, amortized cost:
Under 1 year	1	2
After 1 year through 5 years	98	162
After 5 years through 10 years	57	44
After 10 years	17,017	12,239
Total held-to-maturity securities	17,173	12,447
Held-to-maturity securities, fair value:
Under 1 year	1	2
After 1 year through 5 years	94	164
After 5 years through 10 years	53	45
After 10 years	14,687	12,278
Total held-to-maturity securities	$ 14,835	$ 12,489

INVESTMENT SECURITIES AND OTH_5

INVESTMENT SECURITIES AND OTHER SECURITIES - Continuous Unrealized Loss Position (Details) - USD ($) $ in Millions	Sep. 30, 2022	Dec. 31, 2021
Available-for-sale securities:
Less than 12 months, fair value	$ 13,837	$ 20,747
Less than 12 months, gross unrealized losses	(1,949)	(304)
12 months or longer, fair value	9,207	319
12 months or longer, gross unrealized losses	(2,018)	(11)
Total, fair value	23,044	21,066
Total, gross unrealized losses	(3,967)	(315)
Held-to-maturity securities:
Less than 12 months, fair value	10,622	7,608
Less than 12 months, gross unrealized losses	(1,481)	(84)
12 months or longer, fair value	4,192	0
12 months or longer, gross unrealized losses	(857)	0
Total held-to-maturity securities	14,814	7,608
Total, gross unrealized losses	(2,338)	(84)
Residential CMO
Available-for-sale securities:
Less than 12 months, fair value	2,330	2,925
Less than 12 months, gross unrealized losses	(220)	(40)
12 months or longer, fair value	705	0
12 months or longer, gross unrealized losses	(162)	0
Total, fair value	3,035	2,925
Total, gross unrealized losses	(382)	(40)
Held-to-maturity securities:
Less than 12 months, fair value	3,279	1,453
Less than 12 months, gross unrealized losses	(510)	(20)
12 months or longer, fair value	811	0
12 months or longer, gross unrealized losses	(157)	0
Total held-to-maturity securities	4,090	1,453
Total, gross unrealized losses	(667)	(20)
Residential MBS
Available-for-sale securities:
Less than 12 months, fair value	5,580	13,491
Less than 12 months, gross unrealized losses	(921)	(160)
12 months or longer, fair value	6,402	0
12 months or longer, gross unrealized losses	(1,365)	0
Total, fair value	11,982	13,491
Total, gross unrealized losses	(2,286)	(160)
Held-to-maturity securities:
Less than 12 months, fair value	5,851	5,837
Less than 12 months, gross unrealized losses	(811)	(59)
12 months or longer, fair value	3,174	0
12 months or longer, gross unrealized losses	(663)	0
Total held-to-maturity securities	9,025	5,837
Total, gross unrealized losses	(1,474)	(59)
Commercial MBS
Available-for-sale securities:
Less than 12 months, fair value	1,462	1,251
Less than 12 months, gross unrealized losses	(324)	(38)
12 months or longer, fair value	576	0
12 months or longer, gross unrealized losses	(219)	0
Total, fair value	2,038	1,251
Total, gross unrealized losses	(543)	(38)
Held-to-maturity securities:
Less than 12 months, fair value	1,360	318
Less than 12 months, gross unrealized losses	(151)	(5)
12 months or longer, fair value	207	0
12 months or longer, gross unrealized losses	(37)	0
Total held-to-maturity securities	1,567	318
Total, gross unrealized losses	(188)	(5)
Other agencies
Available-for-sale securities:
Less than 12 months, fair value	28	140
Less than 12 months, gross unrealized losses	(1)	(1)
12 months or longer, fair value	52	0
12 months or longer, gross unrealized losses	(8)	0
Total, fair value	80	140
Total, gross unrealized losses	(9)	(1)
Held-to-maturity securities:
Less than 12 months, fair value	132
Less than 12 months, gross unrealized losses	(9)
12 months or longer, fair value	0
12 months or longer, gross unrealized losses	0
Total held-to-maturity securities	132
Total, gross unrealized losses	(9)
Total U.S. Treasury, federal agency, and other agency securities
Available-for-sale securities:
Less than 12 months, fair value	9,400	17,807
Less than 12 months, gross unrealized losses	(1,466)	(239)
12 months or longer, fair value	7,735	0
12 months or longer, gross unrealized losses	(1,754)	0
Total, fair value	17,135	17,807
Total, gross unrealized losses	(3,220)	(239)
Held-to-maturity securities:
Less than 12 months, fair value	10,622	7,608
Less than 12 months, gross unrealized losses	(1,481)	(84)
12 months or longer, fair value	4,192	0
12 months or longer, gross unrealized losses	(857)	0
Total held-to-maturity securities	14,814	7,608
Total, gross unrealized losses	(2,338)	(84)
Municipal securities
Available-for-sale securities:
Less than 12 months, fair value	2,863	859
Less than 12 months, gross unrealized losses	(226)	(22)
12 months or longer, fair value	401	319
12 months or longer, gross unrealized losses	(25)	(11)
Total, fair value	3,264	1,178
Total, gross unrealized losses	(251)	(33)
Private-label CMO
Available-for-sale securities:
Less than 12 months, fair value	94	78
Less than 12 months, gross unrealized losses	(8)	(1)
12 months or longer, fair value	20	0
12 months or longer, gross unrealized losses	(2)	0
Total, fair value	114	78
Total, gross unrealized losses	(10)	(1)
Asset-backed securities
Available-for-sale securities:
Less than 12 months, fair value	240	237
Less than 12 months, gross unrealized losses	(20)	(4)
12 months or longer, fair value	131	0
12 months or longer, gross unrealized losses	(24)	0
Total, fair value	371	237
Total, gross unrealized losses	(44)	(4)
Corporate debt
Available-for-sale securities:
Less than 12 months, fair value	1,240	1,766
Less than 12 months, gross unrealized losses	(229)	(38)
12 months or longer, fair value	920	0
12 months or longer, gross unrealized losses	(213)	0
Total, fair value	2,160	1,766
Total, gross unrealized losses	$ (442)	$ (38)

INVESTMENT SECURITIES AND OTH_6

INVESTMENT SECURITIES AND OTHER SECURITIES - Narrative (Details) - USD ($) $ in Millions	3 Months Ended	9 Months Ended
	Mar. 31, 2022	Sep. 30, 2022	Sep. 30, 2021	Dec. 31, 2021
Investment Securities [Line Items]
Transfer of securities from available-for-sale to held-to-maturity	$ 4,200	$ 4,225	$ 3,007
Unrealized gains attributed to transfer of securities	(58)
AFS debt security charge-off	$ 4
Asset Pledged as Collateral
Investment Securities [Line Items]
Investment securities pledged		$ 28,000		$ 21,700

LOANS _ LEASES - Narrative (Det

LOANS / LEASES - Narrative (Details) - USD ($) $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021	Dec. 31, 2021
Accounts, Notes, Loans and Financing Receivable [Line Items]
Direct financing leases, interest income	$ 41	$ 73	$ 117	$ 154
FHLB borrowings and advances, collateral	$ 70,100		$ 70,100		$ 61,100

LOANS _ LEASES - Loan and Lease

LOANS / LEASES - Loan and Lease Portfolio Composition (Details) - USD ($) $ in Millions		Sep. 30, 2022	Jun. 30, 2022	Dec. 31, 2021	Sep. 30, 2021	Jun. 30, 2021	Dec. 31, 2020
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases	[1]	$ 118,147		$ 111,267
Allowance for loan and lease losses		(2,110)	$ (2,074)	(2,030)	$ (2,107)	$ (2,218)	$ (1,814)
Net loans and leases		116,037		109,237
Loans and leases net discount		42		111
Commercial and industrial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		44,144		41,688
Commercial real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		16,456		14,961
Lease financing
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		5,093		5,000
Residential mortgage
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		21,816		19,256
Automobile
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		13,430		13,434
RV and marine
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		5,436		5,058
Other consumer
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		1,332		1,320
Commercial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		65,693		61,649
Allowance for loan and lease losses		(1,414)	(1,342)	(1,462)	(1,549)	(1,618)	(1,236)
Accrued interest receivable		190		148
Commercial | Commercial and industrial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		44,144		41,688
Commercial | Commercial real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		16,456		14,961
Commercial | Lease financing
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		5,093		5,000
Consumer
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		52,454		49,618
Allowance for loan and lease losses		(696)	$ (732)	(568)	$ (558)	$ (600)	$ (578)
Accrued interest receivable		167		150
Consumer | Residential mortgage
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		21,816		19,256
Consumer | Automobile
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		13,430		13,434
Consumer | Home equity
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		10,440		10,550
Consumer | RV and marine
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		5,436		5,058
Consumer | Other consumer
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		$ 1,332		$ 1,320
[1] Amounts represent loans for which Huntington has elected the fair value option. See Note 13 “ Fair Values of Assets and Liabilities ”.

LOANS _ LEASES - Direct Financi

LOANS / LEASES - Direct Financing Leases (Details) - USD ($) $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021	Dec. 31, 2021
Accounts, Notes, Loans and Financing Receivable [Line Items]
Carrying value of residual values guaranteed	$ 454		$ 454		$ 473
Future lease rental payments due on sales-type and direct financing leases	4,700		4,700
Future lease rental payments due on sales-type and direct financing leases, year one	838		838
Future lease rental payments due on sales-type and direct financing leases, year two	820		820
Future lease rental payments due on sales-type and direct financing leases, year three	815		815
Future lease rental payments due on sales-type and direct financing leases, year four	733		733
Future lease rental payments due on sales-type and direct financing leases, year five	688		688
Future lease rental payments due on sales-type and direct financing leases, after year five	846		846
Direct financing leases, interest income	41	$ 73	117	$ 154
Commercial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Lease payments receivable	4,740		4,740		4,620
Estimated residual value of leased assets	769		769		774
Gross investment in lease financing receivables	5,509		5,509		5,394
Deferred origination costs	42		42		36
Deferred fees, unearned income and other	(458)		(458)		(430)
Total lease financing receivables	$ 5,093		$ 5,093		$ 5,000

LOANS AND LEASES - Nonaccrual L

LOANS AND LEASES - Nonaccrual Loans by Loan Class (Details) - USD ($) $ in Millions	Sep. 30, 2022	Dec. 31, 2021
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonaccrual loans and leases with no ACL	$ 165	$ 164
Total nonaccrual loans and leases	602	716
Commercial | Commercial and industrial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonaccrual loans and leases with no ACL	73	81
Total nonaccrual loans and leases	288	370
Commercial | Commercial real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonaccrual loans and leases with no ACL	85	80
Total nonaccrual loans and leases	110	104
Commercial | Lease financing
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonaccrual loans and leases with no ACL	7	3
Total nonaccrual loans and leases	30	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	94	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	75	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	$ 1	$ 1

LOANS AND LEASES - NALs Past Du

LOANS AND LEASES - NALs Past Due (Details) - USD ($) $ in Millions		Sep. 30, 2022	Dec. 31, 2021
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases	[1]	$ 118,147	$ 111,267
Loans Accounted for Under FVO		182	171
90 or more days past due and accruing		223	210
Total
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		1,170	1,072
30-59 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		513	425
60-89  Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		209	191
90 or  more days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		448	456
Current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		116,795	110,024
Commercial and industrial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		44,144	41,688
Loans Accounted for Under FVO		0	0
90 or more days past due and accruing		29	13
Commercial and industrial | Total
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		258	248
Commercial and industrial | 30-59 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		92	72
Commercial and industrial | 60-89  Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		49	69
Commercial and industrial | 90 or  more days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		117	107
Commercial and industrial | Current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		43,886	41,440
Commercial real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		16,456	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		60	19
Commercial real estate | 30-59 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		24	9
Commercial real estate | 60-89  Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		4	1
Commercial real estate | 90 or  more days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		32	9
Commercial real estate | Current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		16,396	14,942
Lease financing
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		5,093	5,000
Loans Accounted for Under FVO		0	0
90 or more days past due and accruing		18	11
Lease financing | Total
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		123	69
Lease financing | 30-59 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		57	39
Lease financing | 60-89  Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		45	13
Lease financing | 90 or  more days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		21	17
Lease financing | Current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		4,970	4,931
Residential mortgage
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		21,816	19,256
Loans Accounted for Under FVO		181	170
90 or more days past due and accruing		153	157
Residential mortgage | Total
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		464	433
Residential mortgage | 30-59 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		196	151
Residential mortgage | 60-89  Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		65	49
Residential mortgage | 90 or  more days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		203	233
Residential mortgage | Current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		21,171	18,653
Automobile
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		13,430	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		99	105
Automobile | 30-59 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		72	79
Automobile | 60-89  Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		18	18
Automobile | 90 or  more days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		9	8
Automobile | Current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		13,331	13,329
Home equity
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		10,440	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		47	48
Home equity | 60-89  Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		21	35
Home equity | 90 or  more days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		61	76
Home equity | Current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		10,310	10,390
RV and marine
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		5,436	5,058
Loans Accounted for Under FVO		0	0
90 or more days past due and accruing		2	3
RV and marine | Total
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		18	21
RV and marine | 30-59 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		12	14
RV and marine | 60-89  Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		4	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		5,418	5,037
Other consumer
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		1,332	1,320
Loans Accounted for Under FVO		0	0
90 or more days past due and accruing		3	3
Other consumer | Total
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		19	18
Other consumer | 30-59 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		13	13
Other consumer | 60-89  Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		3	2
Other consumer | 90 or  more days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		3	3
Other consumer | Current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		$ 1,313	$ 1,302
[1] Amounts represent loans for which Huntington has elected the fair value option. See Note 13 “ Fair Values of Assets and Liabilities ”.

LOANS AND LEASES - Vintage and

LOANS AND LEASES - Vintage and Credit Quality (Details) - USD ($) $ in Millions		Sep. 30, 2022	Dec. 31, 2021
Financing Receivable, Credit Quality Indicator [Line Items]
Loans and leases	[1]	$ 118,147	$ 111,267
Commercial and industrial
Financing Receivable, Credit Quality Indicator [Line Items]
Loans and leases		44,144	41,688
Automobile
Financing Receivable, Credit Quality Indicator [Line Items]
Loans and leases		13,430	13,434
Home equity
Financing Receivable, Credit Quality Indicator [Line Items]
Loans and leases		10,440	10,550
RV and marine
Financing Receivable, Credit Quality Indicator [Line Items]
Loans and leases		5,436	5,058
Commercial
Financing Receivable, Credit Quality Indicator [Line Items]
Loans and leases		65,693	61,649
Commercial | Commercial and industrial
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		13,567	15,959
Financing receivable, year before current fiscal year		8,123	6,059
Financing receivable, two years before current fiscal year		4,132	4,114
Financing receivable, three years before current fiscal year		2,615	2,273
Financing receivable, four years before current fiscal year		1,444	1,243
Financing receivable, more than five years before current fiscal year		1,631	1,374
Revolver Total at Amortized Cost Basis		12,628	10,663
Revolver Total Converted to Term Loans		4	3
Loans and leases		44,144	41,688
Commercial | Commercial and industrial | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		13,212	15,435
Financing receivable, year before current fiscal year		7,720	5,677
Financing receivable, two years before current fiscal year		3,808	3,682
Financing receivable, three years before current fiscal year		2,328	1,983
Financing receivable, four years before current fiscal year		1,228	1,080
Financing receivable, more than five years before current fiscal year		1,314	1,134
Revolver Total at Amortized Cost Basis		11,998	9,945
Revolver Total Converted to Term Loans		4	3
Loans and leases		41,612	38,939
Commercial | Commercial and industrial | OLEM
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		128	183
Financing receivable, year before current fiscal year		204	178
Financing receivable, two years before current fiscal year		130	87
Financing receivable, three years before current fiscal year		43	83
Financing receivable, four years before current fiscal year		61	38
Financing receivable, more than five years before current fiscal year		39	73
Revolver Total at Amortized Cost Basis		139	166
Revolver Total Converted to Term Loans		0	0
Loans and leases		744	808
Commercial | Commercial and industrial | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		227	336
Financing receivable, year before current fiscal year		199	203
Financing receivable, two years before current fiscal year		194	344
Financing receivable, three years before current fiscal year		244	206
Financing receivable, four years before current fiscal year		155	125
Financing receivable, more than five years before current fiscal year		277	167
Revolver Total at Amortized Cost Basis		491	552
Revolver Total Converted to Term Loans		0	0
Loans and leases		1,787	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		0	1
Financing receivable, two years before current fiscal year		0	1
Financing receivable, three years before current fiscal year		0	1
Financing receivable, four years before current fiscal year		0	0
Financing receivable, more than five years before current fiscal year		1	0
Revolver Total at Amortized Cost Basis		0	0
Revolver Total Converted to Term Loans		0	0
Loans and leases		1	8
Commercial real estate
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		4,877	4,444
Financing receivable, year before current fiscal year		3,696	2,777
Financing receivable, two years before current fiscal year		1,946	3,083
Financing receivable, three years before current fiscal year		2,031	1,655
Financing receivable, four years before current fiscal year		1,216	985
Financing receivable, more than five years before current fiscal year		1,362	1,189
Revolver Total at Amortized Cost Basis		1,328	828
Revolver Total Converted to Term Loans		0	0
Loans and leases		16,456	14,961
Commercial real estate | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		4,638	4,144
Financing receivable, year before current fiscal year		3,544	2,367
Financing receivable, two years before current fiscal year		1,821	2,593
Financing receivable, three years before current fiscal year		1,892	1,456
Financing receivable, four years before current fiscal year		1,075	761
Financing receivable, more than five years before current fiscal year		1,186	1,124
Revolver Total at Amortized Cost Basis		1,325	798
Revolver Total Converted to Term Loans		0	0
Loans and leases		15,481	13,243
Commercial real estate | OLEM
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		44	76
Financing receivable, year before current fiscal year		26	48
Financing receivable, two years before current fiscal year		4	42
Financing receivable, three years before current fiscal year		11	83
Financing receivable, four years before current fiscal year		12	73
Financing receivable, more than five years before current fiscal year		39	19
Revolver Total at Amortized Cost Basis		0	0
Revolver Total Converted to Term Loans		0	0
Loans and leases		136	341
Commercial real estate | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		195	224
Financing receivable, year before current fiscal year		126	362
Financing receivable, two years before current fiscal year		121	448
Financing receivable, three years before current fiscal year		128	115
Financing receivable, four years before current fiscal year		129	151
Financing receivable, more than five years before current fiscal year		137	46
Revolver Total at Amortized Cost Basis		3	30
Revolver Total Converted to Term Loans		0	0
Loans and leases		839	1,376
Commercial real estate | Doubtful
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year			0
Financing receivable, year before current fiscal year			0
Financing receivable, two years before current fiscal year			0
Financing receivable, three years before current fiscal year			1
Financing receivable, four years before current fiscal year			0
Financing receivable, more than five years before current fiscal year			0
Revolver Total at Amortized Cost Basis			0
Revolver Total Converted to Term Loans			0
Loans and leases			1
Lease financing
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		1,453	1,865
Financing receivable, year before current fiscal year		1,463	1,496
Financing receivable, two years before current fiscal year		1,157	840
Financing receivable, three years before current fiscal year		580	423
Financing receivable, four years before current fiscal year		245	237
Financing receivable, more than five years before current fiscal year		195	139
Revolver Total at Amortized Cost Basis		0	0
Revolver Total Converted to Term Loans		0	0
Loans and leases		5,093	5,000
Lease financing | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		1,391	1,851
Financing receivable, year before current fiscal year		1,424	1,441
Financing receivable, two years before current fiscal year		1,069	809
Financing receivable, three years before current fiscal year		546	417
Financing receivable, four years before current fiscal year		229	226
Financing receivable, more than five years before current fiscal year		177	131
Revolver Total at Amortized Cost Basis		0	0
Revolver Total Converted to Term Loans		0	0
Loans and leases		4,836	4,875
Lease financing | OLEM
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		25	8
Financing receivable, year before current fiscal year		14	32
Financing receivable, two years before current fiscal year		32	12
Financing receivable, three years before current fiscal year		6	4
Financing receivable, four years before current fiscal year		7	2
Financing receivable, more than five years before current fiscal year		4	0
Revolver Total at Amortized Cost Basis		0	0
Revolver Total Converted to Term Loans		0	0
Loans and leases		88	58
Lease financing | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		37	6
Financing receivable, year before current fiscal year		25	23
Financing receivable, two years before current fiscal year		56	19
Financing receivable, three years before current fiscal year		28	2
Financing receivable, four years before current fiscal year		9	9
Financing receivable, more than five years before current fiscal year		14	8
Revolver Total at Amortized Cost Basis		0	0
Revolver Total Converted to Term Loans		0	0
Loans and leases		169	67
Consumer
Financing Receivable, Credit Quality Indicator [Line Items]
Loans and leases		52,454	49,618
Consumer | Residential mortgage
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		4,282	7,442
Financing receivable, year before current fiscal year		7,619	4,906
Financing receivable, two years before current fiscal year		4,341	1,491
Financing receivable, three years before current fiscal year		1,189	943
Financing receivable, four years before current fiscal year		725	1,040
Financing receivable, more than five years before current fiscal year		3,479	3,264
Revolver Total at Amortized Cost Basis		0	0
Revolver Total Converted to Term Loans		0	0
Loans and leases		21,635	19,086
Consumer | Residential mortgage | 750+
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		2,993	5,532
Financing receivable, year before current fiscal year		6,251	3,857
Financing receivable, two years before current fiscal year		3,611	978
Financing receivable, three years before current fiscal year		864	554
Financing receivable, four years before current fiscal year		485	687
Financing receivable, more than five years before current fiscal year		2,165	1,704
Revolver Total at Amortized Cost Basis		0	0
Revolver Total Converted to Term Loans		0	0
Loans and leases		16,369	13,312
Consumer | Residential mortgage | 650-749
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		1,260	1,862
Financing receivable, year before current fiscal year		1,308	993
Financing receivable, two years before current fiscal year		670	409
Financing receivable, three years before current fiscal year		235	269
Financing receivable, four years before current fiscal year		146	254
Financing receivable, more than five years before current fiscal year		814	1,028
Revolver Total at Amortized Cost Basis		0	0
Revolver Total Converted to Term Loans		0	0
Loans and leases		4,433	4,815
Consumer | Residential mortgage | Less than 650
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		29	48
Financing receivable, year before current fiscal year		60	56
Financing receivable, two years before current fiscal year		60	104
Financing receivable, three years before current fiscal year		90	120
Financing receivable, four years before current fiscal year		94	99
Financing receivable, more than five years before current fiscal year		500	532
Revolver Total at Amortized Cost Basis		0	0
Revolver Total Converted to Term Loans		0	0
Loans and leases		833	959
Consumer | Automobile
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		4,230	5,766
Financing receivable, year before current fiscal year		4,463	3,398
Financing receivable, two years before current fiscal year		2,352	2,295
Financing receivable, three years before current fiscal year		1,462	1,174
Financing receivable, four years before current fiscal year		646	583
Financing receivable, more than five years before current fiscal year		277	218
Revolver Total at Amortized Cost Basis		0	0
Revolver Total Converted to Term Loans		0	0
Loans and leases		13,430	13,434
Consumer | Automobile | 750+
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		2,358	2,993
Financing receivable, year before current fiscal year		2,366	1,927
Financing receivable, two years before current fiscal year		1,381	1,381
Financing receivable, three years before current fiscal year		898	666
Financing receivable, four years before current fiscal year		362	345
Financing receivable, more than five years before current fiscal year		154	129
Revolver Total at Amortized Cost Basis		0	0
Revolver Total Converted to Term Loans		0	0
Loans and leases		7,519	7,441
Consumer | Automobile | 650-749
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		1,641	2,393
Financing receivable, year before current fiscal year		1,733	1,237
Financing receivable, two years before current fiscal year		785	736
Financing receivable, three years before current fiscal year		436	380
Financing receivable, four years before current fiscal year		205	168
Financing receivable, more than five years before current fiscal year		77	55
Revolver Total at Amortized Cost Basis		0	0
Revolver Total Converted to Term Loans		0	0
Loans and leases		4,877	4,969
Consumer | Automobile | Less than 650
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		231	380
Financing receivable, year before current fiscal year		364	234
Financing receivable, two years before current fiscal year		186	178
Financing receivable, three years before current fiscal year		128	128
Financing receivable, four years before current fiscal year		79	70
Financing receivable, more than five years before current fiscal year		46	34
Revolver Total at Amortized Cost Basis		0	0
Revolver Total Converted to Term Loans		0	0
Loans and leases		1,034	1,024
Consumer | Home equity
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		465	777
Financing receivable, year before current fiscal year		686	797
Financing receivable, two years before current fiscal year		705	49
Financing receivable, three years before current fiscal year		37	45
Financing receivable, four years before current fiscal year		33	48
Financing receivable, more than five years before current fiscal year		508	615
Revolver Total at Amortized Cost Basis		7,339	7,457
Revolver Total Converted to Term Loans		666	761
Loans and leases		10,439	10,549
Consumer | Home equity | 750+
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		359	645
Financing receivable, year before current fiscal year		588	701
Financing receivable, two years before current fiscal year		633	32
Financing receivable, three years before current fiscal year		25	31
Financing receivable, four years before current fiscal year		23	34
Financing receivable, more than five years before current fiscal year		323	387
Revolver Total at Amortized Cost Basis		4,891	4,772
Revolver Total Converted to Term Loans		265	272
Loans and leases		7,107	6,874
Consumer | Home equity | 650-749
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		104	129
Financing receivable, year before current fiscal year		95	94
Financing receivable, two years before current fiscal year		69	15
Financing receivable, three years before current fiscal year		10	13
Financing receivable, four years before current fiscal year		8	13
Financing receivable, more than five years before current fiscal year		130	161
Revolver Total at Amortized Cost Basis		2,124	2,324
Revolver Total Converted to Term Loans		269	324
Loans and leases		2,809	3,073
Consumer | Home equity | Less than 650
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		2	3
Financing receivable, year before current fiscal year		3	2
Financing receivable, two years before current fiscal year		3	2
Financing receivable, three years before current fiscal year		2	1
Financing receivable, four years before current fiscal year		2	1
Financing receivable, more than five years before current fiscal year		55	67
Revolver Total at Amortized Cost Basis		324	361
Revolver Total Converted to Term Loans		132	165
Loans and leases		523	602
Consumer | RV and marine
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		1,309	1,656
Financing receivable, year before current fiscal year		1,421	1,217
Financing receivable, two years before current fiscal year		991	654
Financing receivable, three years before current fiscal year		521	643
Financing receivable, four years before current fiscal year		511	392
Financing receivable, more than five years before current fiscal year		683	496
Revolver Total at Amortized Cost Basis		0	0
Revolver Total Converted to Term Loans		0	0
Loans and leases		5,436	5,058
Consumer | RV and marine | 750+
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		1,059	1,257
Financing receivable, year before current fiscal year		1,070	933
Financing receivable, two years before current fiscal year		764	470
Financing receivable, three years before current fiscal year		379	468
Financing receivable, four years before current fiscal year		373	268
Financing receivable, more than five years before current fiscal year		465	319
Revolver Total at Amortized Cost Basis		0	0
Revolver Total Converted to Term Loans		0	0
Loans and leases		4,110	3,715
Consumer | RV and marine | 650-749
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		247	393
Financing receivable, year before current fiscal year		335	273
Financing receivable, two years before current fiscal year		213	171
Financing receivable, three years before current fiscal year		126	157
Financing receivable, four years before current fiscal year		122	106
Financing receivable, more than five years before current fiscal year		180	150
Revolver Total at Amortized Cost Basis		0	0
Revolver Total Converted to Term Loans		0	0
Loans and leases		1,223	1,250
Consumer | RV and marine | Less than 650
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		3	6
Financing receivable, year before current fiscal year		16	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		16	18
Financing receivable, more than five years before current fiscal year		38	27
Revolver Total at Amortized Cost Basis		0	0
Revolver Total Converted to Term Loans		0	0
Loans and leases		103	93
Consumer | Other consumer
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		261	301
Financing receivable, year before current fiscal year		108	88
Financing receivable, two years before current fiscal year		55	105
Financing receivable, three years before current fiscal year		61	38
Financing receivable, four years before current fiscal year		20	27
Financing receivable, more than five years before current fiscal year		73	69
Revolver Total at Amortized Cost Basis		720	648
Revolver Total Converted to Term Loans		34	44
Loans and leases		1,332	1,320
Consumer | Other consumer | 750+
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		202	211
Financing receivable, year before current fiscal year		71	34
Financing receivable, two years before current fiscal year		39	50
Financing receivable, three years before current fiscal year		40	13
Financing receivable, four years before current fiscal year		15	10
Financing receivable, more than five years before current fiscal year		55	27
Revolver Total at Amortized Cost Basis		360	326
Revolver Total Converted to Term Loans		3	3
Loans and leases		785	674
Consumer | Other consumer | 650-749
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		57	88
Financing receivable, year before current fiscal year		34	52
Financing receivable, two years before current fiscal year		14	50
Financing receivable, three years before current fiscal year		18	23
Financing receivable, four years before current fiscal year		4	17
Financing receivable, more than five years before current fiscal year		16	41
Revolver Total at Amortized Cost Basis		330	295
Revolver Total Converted to Term Loans		18	24
Loans and leases		491	590
Consumer | Other consumer | Less than 650
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		2	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		3	2
Financing receivable, four years before current fiscal year		1	0
Financing receivable, more than five years before current fiscal year		2	1
Revolver Total at Amortized Cost Basis		30	27
Revolver Total Converted to Term Loans		13	17
Loans and leases		$ 56	$ 56
[1] Amounts represent loans for which Huntington has elected the fair value option. See Note 13 “ Fair Values of Assets and Liabilities ”.

LOANS AND LEASES - TDRs (Detail

LOANS AND LEASES - TDRs (Details) $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2022 USD ($) contract	Sep. 30, 2021 USD ($) contract	Sep. 30, 2022 USD ($) contract	Sep. 30, 2021 USD ($) contract
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of Contracts | contract	1,092	702	3,016	2,675
Post-modification outstanding recorded investment	$ 125	$ 18	$ 288	$ 101
Interest rate reduction
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-modification outstanding recorded investment	44	0	111	16
Amortization or maturity date change
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-modification outstanding recorded investment	65	14	152	71
Chapter 7 bankruptcy
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-modification outstanding recorded investment	3	4	11	13
Other
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-modification outstanding recorded investment	$ 13	$ 0	$ 14	$ 1
Commercial | Commercial and industrial
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of Contracts | contract	81	16	222	53
Post-modification outstanding recorded investment	$ 74	$ 3	$ 120	$ 38
Commercial | Commercial and industrial | Interest rate reduction
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-modification outstanding recorded investment	39	0	69	15
Commercial | Commercial and industrial | Amortization or maturity date change
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-modification outstanding recorded investment	22	3	37	23
Commercial | Commercial and industrial | Chapter 7 bankruptcy
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-modification outstanding recorded investment	0	0	0	0
Commercial | Commercial and industrial | Other
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-modification outstanding recorded investment	$ 13	$ 0	$ 14	$ 0
Commercial | Commercial real estate
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of Contracts | contract	7	4	12	4
Post-modification outstanding recorded investment	$ 15	$ 0	$ 52	$ 0
Commercial | Commercial real estate | Interest rate reduction
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-modification outstanding recorded investment	5	0	42	0
Commercial | Commercial real estate | Amortization or maturity date change
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-modification outstanding recorded investment	10	0	10	0
Commercial | Commercial real estate | Chapter 7 bankruptcy
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-modification outstanding recorded investment	0	0	0	0
Commercial | Commercial real estate | Other
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-modification outstanding recorded investment	$ 0	$ 0	$ 0	$ 0
Consumer | Residential mortgage
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of Contracts | contract	184	74	629	232
Post-modification outstanding recorded investment	$ 26	$ 9	$ 90	$ 35
Consumer | Residential mortgage | Interest rate reduction
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-modification outstanding recorded investment	0	0	0	0
Consumer | Residential mortgage | Amortization or maturity date change
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-modification outstanding recorded investment	25	7	85	31
Consumer | Residential mortgage | Chapter 7 bankruptcy
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-modification outstanding recorded investment	1	2	5	4
Consumer | Residential mortgage | Other
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-modification outstanding recorded investment	$ 0	$ 0	$ 0	$ 0
Consumer | Automobile
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of Contracts | contract	697	498	1,791	1,914
Post-modification outstanding recorded investment	$ 7	$ 4	$ 15	$ 16
Consumer | Automobile | Interest rate reduction
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-modification outstanding recorded investment	0	0	0	0
Consumer | Automobile | Amortization or maturity date change
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-modification outstanding recorded investment	6	3	13	13
Consumer | Automobile | Chapter 7 bankruptcy
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-modification outstanding recorded investment	1	1	2	3
Consumer | Automobile | Other
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-modification outstanding recorded investment	$ 0	$ 0	$ 0	$ 0
Consumer | Home equity
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of Contracts | contract	54	42	166	155
Post-modification outstanding recorded investment	$ 1	$ 2	$ 8	$ 8
Consumer | Home equity | Interest rate reduction
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-modification outstanding recorded investment	0	0	0	0
Consumer | Home equity | Amortization or maturity date change
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-modification outstanding recorded investment	1	1	5	3
Consumer | Home equity | Chapter 7 bankruptcy
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-modification outstanding recorded investment	0	1	3	5
Consumer | Home equity | Other
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-modification outstanding recorded investment	$ 0	$ 0	$ 0	$ 0
Consumer | RV and marine
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of Contracts | contract	31	19	105	103
Post-modification outstanding recorded investment	$ 2	$ 0	$ 3	$ 3
Consumer | RV and marine | Interest rate reduction
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-modification outstanding recorded investment	0	0	0	1
Consumer | RV and marine | Amortization or maturity date change
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-modification outstanding recorded investment	1	0	2	1
Consumer | RV and marine | Chapter 7 bankruptcy
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-modification outstanding recorded investment	1	0	1	1
Consumer | RV and marine | Other
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-modification outstanding recorded investment	$ 0	$ 0	$ 0	$ 0
Consumer | Other consumer
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of Contracts | contract	38	49	91	214
Post-modification outstanding recorded investment	$ 0	$ 0	$ 0	$ 1
Consumer | Other consumer | Interest rate reduction
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-modification outstanding recorded investment	0	0	0	0
Consumer | Other consumer | Amortization or maturity date change
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-modification outstanding recorded investment	0	0	0	0
Consumer | Other consumer | Chapter 7 bankruptcy
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-modification outstanding recorded investment	0	0	0	0
Consumer | Other consumer | Other
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-modification outstanding recorded investment	$ 0	$ 0	$ 0	$ 1

ALLOWANCE FOR CREDIT LOSSES - A

ALLOWANCE FOR CREDIT LOSSES - Allowance Roll-forward (Details) - USD ($) $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021	Dec. 31, 2021
Financing Receivable, Allowance for Credit Loss [Roll Forward]
ALLL balance, beginning of period	$ 2,074	$ 2,218	$ 2,030	$ 1,814
Loan and lease charge-offs	(83)	(106)	(216)	(303)
Recoveries of loans and leases previously charged-off	39	51	145	122
Provision (benefit) for loan and lease losses	80	(56)	151	42
Allowance on PCD loans and leases at acquisition				432
ALLL balance, end of period	2,110	2,107	2,110	2,107
AULC balance, beginning of period	94	104	77	52
Provision (reduction in allowance) for unfunded loan commitments	26	(6)	43	47
Unfunded lending commitment losses				(1)
AULC balance, end of period	120	98	120	98
ACL balance, end of period	2,230	2,205	2,230	2,205	$ 2,100
TCF Financial Corporation
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Provision (benefit) for loan and lease losses		234		234
Provision (reduction in allowance) for unfunded loan commitments		60		60
Commercial
Financing Receivable, Allowance for Credit Loss [Roll Forward]
ALLL balance, beginning of period	1,342	1,618	1,462	1,236
Loan and lease charge-offs	(35)	(74)	(77)	(213)
Recoveries of loans and leases previously charged-off	20	27	83	58
Provision (benefit) for loan and lease losses	87	(22)	(54)	94
Allowance on PCD loans and leases at acquisition				374
ALLL balance, end of period	1,414	1,549	1,414	1,549
AULC balance, beginning of period	53	76	41	34
Provision (reduction in allowance) for unfunded loan commitments	8	2	20	45
Unfunded lending commitment losses				(1)
AULC balance, end of period	61	78	61	78
ACL balance, end of period	1,475	1,627	1,475	1,627
Consumer
Financing Receivable, Allowance for Credit Loss [Roll Forward]
ALLL balance, beginning of period	732	600	568	578
Loan and lease charge-offs	(48)	(32)	(139)	(90)
Recoveries of loans and leases previously charged-off	19	24	62	64
Provision (benefit) for loan and lease losses	(7)	(34)	205	(52)
Allowance on PCD loans and leases at acquisition				58
ALLL balance, end of period	696	558	696	558
AULC balance, beginning of period	41	28	36	18
Provision (reduction in allowance) for unfunded loan commitments	18	(8)	23	2
Unfunded lending commitment losses				0
AULC balance, end of period	59	20	59	20
ACL balance, end of period	$ 755	$ 578	$ 755	$ 578

ALLOWANCE FOR CREDIT LOSSES - N

ALLOWANCE FOR CREDIT LOSSES - Narrative (Details) - USD ($) $ in Millions	9 Months Ended
	Sep. 30, 2022	Dec. 31, 2021	Sep. 30, 2021
Credit Loss [Abstract]
ACL balance, end of period	$ 2,230	$ 2,100	$ 2,205
Allowance for credit loss, change since adoption	$ 123

MORTGAGE LOAN SALES AND SERVI_3

MORTGAGE LOAN SALES AND SERVICING RIGHTS - Residential Mortgage Portfolio (Details) - Residential mortgage - USD ($) $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021
Servicing Asset at Amortized Cost [Line Items]
Loans sold with servicing retained	$ 1,310	$ 2,298	$ 4,557	$ 7,302
Pretax gains resulting from above loan sales	$ 11	$ 80	$ 110	$ 274

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		9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021
Servicing Asset at Fair Value, Amount [Roll Forward]
Fair value, beginning of period	$ 463	$ 327	$ 351	$ 210
Servicing assets obtained in acquisition	0	0	0	59
New servicing assets created	20	31	68	103
Time decay	(6)	(4)	(16)	(11)
Payoffs	(8)	(17)	(29)	(50)
Changes in valuation inputs or assumptions	17	1	112	27
Fair value, end of period	$ 486	$ 338	$ 486	$ 338

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	9 Months Ended	12 Months Ended
	Sep. 30, 2022	Dec. 31, 2021
Servicing Assets at Fair Value [Line Items]
Constant prepayment rate (annualized), actual	7.04%	12.28%
Constant prepayment rate (annualized), 10% adverse change	$ (12)	$ (17)
Constant prepayment rate (annualized), 20% adverse change	$ (24)	$ (32)
Spread over forward interest rate swap rates, actual	5.79%	4.66%
Spread over forward interest rate swap rates, 10% adverse change	$ (11)	$ (7)
Spread over forward interest rate swap rates, 20% adverse change	$ (22)	$ (13)

MORTGAGE LOAN SALES AND SERVI_6

MORTGAGE LOAN SALES AND SERVICING RIGHTS - Narrative (Details) - Residential mortgage - USD ($) $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021	Dec. 31, 2021
Servicing Assets at Fair Value [Line Items]
Servicing income	$ 23	$ 22	$ 68	$ 57
Unpaid principal balance of third party serviced loans	$ 32,000		$ 32,000		$ 31,000

BORROWINGS - Schedule of Short-

BORROWINGS - Schedule of Short-Term Debt (Details) - USD ($) $ in Millions	Sep. 30, 2022	Dec. 31, 2021
Short-term Debt [Line Items]
Short-term borrowings	$ 426	$ 334
Federal funds purchased and securities sold under agreements to repurchase
Short-term Debt [Line Items]
Short-term borrowings	300	320
Other borrowings
Short-term Debt [Line Items]
Short-term borrowings	$ 126	$ 14

BORROWINGS - Schedule of Long-T

BORROWINGS - Schedule of Long-Term Debt and Debt Issuances (Details) - USD ($) $ in Millions	Sep. 30, 2022	Dec. 31, 2021
Debt Instrument [Line Items]
Long-term debt	$ 10,168	$ 7,108
Federal Home Loan Bank advances
Debt Instrument [Line Items]
Long-term debt	2,712	215
Other borrowings
Debt Instrument [Line Items]
Long-term debt	556	537
Parent
Debt Instrument [Line Items]
Long-term debt	3,963	3,111
Parent | Senior Notes
Debt Instrument [Line Items]
Long-term debt	2,990	2,083
Parent | Subordinated Notes
Debt Instrument [Line Items]
Long-term debt	973	1,028
Bank
Debt Instrument [Line Items]
Long-term debt	2,937	3,245
Bank | Senior Notes
Debt Instrument [Line Items]
Long-term debt	2,287	2,434
Bank | Subordinated Notes
Debt Instrument [Line Items]
Long-term debt	$ 650	$ 811

BORROWINGS - Narrative (Details

BORROWINGS - Narrative (Details) - Senior Notes - USD ($) $ in Millions	1 Months Ended
	Aug. 31, 2022	May 31, 2022
Huntington National Bank Senior Note Due May 16, 2025, 4.01 Percent
Debt Instrument [Line Items]
Debt face amount		$ 500
Debt percent of value		99.80%
Debt stated interest rate		4.01%
Huntington National Bank Senior Note Due May 17, 2028, 4.55 Percent
Debt Instrument [Line Items]
Debt face amount		$ 800
Debt percent of value		99.70%
Debt stated interest rate		4.55%
Huntington National Bank Senior Note Due May 16, 2025
Debt Instrument [Line Items]
Debt face amount		$ 300
Debt percent of value		99.80%
Huntington National Bank Senior Note Due May 16, 2025 | Secured Overnight Financing Rate (SOFR) Overnight Index Swap Rate
Debt Instrument [Line Items]
Basis spread on variable rate		1.19%
Huntington National Bank Senior Note Due May 17, 2033, 5.023 Percent
Debt Instrument [Line Items]
Debt face amount		$ 400
Debt percent of value		100%
Debt stated interest rate		5.02%
Huntington National Bank Senior Notes Due August 4, 2028, 4.443 Percent
Debt Instrument [Line Items]
Debt face amount	$ 750
Debt percent of value	99.70%
Debt stated interest rate	4.44%

OTHER COMPREHENSIVE INCOME - Ac

OTHER COMPREHENSIVE INCOME - Activity (Details) - USD ($) $ in Millions	3 Months Ended			9 Months Ended
	Sep. 30, 2022	Dec. 31, 2021	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021
Pretax
Other comprehensive income (loss), pretax	$ (1,528)		$ (145)	$ (3,950)	$ (411)
Tax (Expense) Benefit
Total other comprehensive income (loss), tax (expense) benefit	350		39	903	94
After-tax
Other comprehensive (loss) income, net of tax	(1,178)		(106)	(3,047)	(317)
Other comprehensive income (loss) before reclassifications	(1,184)		(113)	(3,126)	(347)
Net unrealized gains (losses) on net investment hedges	6		7	79	30
Period change	(1,178)		(106)	(3,047)	(317)
Unrealized gains and (losses) on debt securities
After-tax
Other comprehensive income (loss) before reclassifications	(974)		(86)	(3,043)	(241)
Net unrealized gains (losses) on net investment hedges	3		4	73	21
Period change	(971)		(82)	(2,970)	(220)
Net impact of fair value hedges on available-for-sale securities
Pretax
Other comprehensive income (loss), pretax	325			917	38
Tax (Expense) Benefit
Total other comprehensive income (loss), tax (expense) benefit	(75)			(212)	(9)
After-tax
Other comprehensive (loss) income, net of tax	250			705	29
Other comprehensive income (loss) before reclassifications	250		0	705	29
Net unrealized gains (losses) on net investment hedges	0		0	0	0
Period change	250		0	705	29
Change in fair value related to cash flow hedges
Pretax
Other comprehensive income (loss), pretax	(591)		(43)	(1,012)	(173)
Tax (Expense) Benefit
Total other comprehensive income (loss), tax (expense) benefit	135		14	230	42
After-tax
Other comprehensive (loss) income, net of tax	(456)		(29)	(782)	(131)
Accumulated foreign currency adjustment
Pretax
Foreign currency translation adjustment	(15)		(7)	(21)	(13)
Net unrealized gains (losses) on net investment hedges	11		(9)	15	9
Translation adjustments, net of hedges	(4)		2	(6)	(4)
Tax (Expense) Benefit
Reclassification adjustment for realized net losses included in net income	0		0	0	0
Other comprehensive income (loss), tax	0		0	0	0
After-tax
Other comprehensive income (loss) before reclassifications	(15)		(7)	(21)	(13)
Net unrealized gains (losses) on net investment hedges	11	$ (9)		15	9
Period change	(4)		2	(6)	(4)
Unrealized gains (losses) for pension and other post-retirement obligations
Pretax
Other comprehensive income (loss), pretax	3		3	8	12
Tax (Expense) Benefit
Total other comprehensive income (loss), tax (expense) benefit	0		0	(2)	(3)
After-tax
Other comprehensive (loss) income, net of tax	3		3	6	9
Other comprehensive income (loss) before reclassifications	0		0	0	0
Net unrealized gains (losses) on net investment hedges	3		3	6	9
Period change	3		3	6	9
Debt Securities | Unrealized gains and (losses) on debt securities
Pretax
Unrealized losses on available-for-sale securities arising during the period	(1,265)		(112)	(3,952)	(311)
Reclassification adjustment for realized net losses included in net income	4		5	95	27
Other comprehensive income (loss), pretax	(1,261)		(107)	(3,857)	(284)
Tax (Expense) Benefit
Unrealized losses on available-for-sale securities arising during the period	291		26	909	70
Reclassification adjustment for realized net losses included in net income	(1)		(1)	(22)	(6)
Total other comprehensive income (loss), tax (expense) benefit	290		25	887	64
After-tax
Unrealized losses on available-for-sale securities arising during the period	(974)		(86)	(3,043)	(241)
Reclassification adjustment for realized net losses included in net income	3		4	73	21
Other comprehensive (loss) income, net of tax	$ (971)		$ (82)	$ (2,970)	$ (220)

OTHER COMPREHENSIVE INCOME OTHE

OTHER COMPREHENSIVE INCOME OTHER COMPREHENSIVE INCOME - AOCI Roll Forward (Details) - USD ($) $ in Millions			3 Months Ended			9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Dec. 31, 2021	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Balance, beginning of period						$ 19,297
Other comprehensive income (loss) before reclassifications			$ (1,184)		$ (113)	(3,126)	$ (347)
Net unrealized gains (losses) on net investment hedges			6		7	79	30
Period change			(1,178)		(106)	(3,047)	(317)
Balance, end of period	$ 17,136		17,136	$ 19,297		17,136
Unrealized gains and (losses) on debt securities
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Balance, beginning of period			(2,152)	(32)	50	(153)	188
Other comprehensive income (loss) before reclassifications			(974)		(86)	(3,043)	(241)
Net unrealized gains (losses) on net investment hedges			3		4	73	21
Period change			(971)		(82)	(2,970)	(220)
Balance, end of period	(3,123)	$ (32)	(3,123)	(153)	(32)	(3,123)	(32)
Net impact of fair value hedges on available-for-sale securities
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Balance, beginning of period			544	31	31	2	89
Other comprehensive income (loss) before reclassifications			250		0	705	29
Net unrealized gains (losses) on net investment hedges			0		0	0	0
Period change			250		0	705	29
Balance, end of period	794	31	794	2	31	794	31
Change in fair value related to cash flow hedges
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Balance, beginning of period			(263)	124	153	63	255
Other comprehensive income (loss) before reclassifications			(456)		(29)	(782)	(131)
Net unrealized gains (losses) on net investment hedges			0		0	0	0
Period change			(456)		(29)	(782)	(131)
Balance, end of period	(719)	124	(719)	63	124	(719)	124
Translation adjustments, net of hedges
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Balance, beginning of period			(5)	(4)	(6)	(3)	0
Other comprehensive income (loss) before reclassifications			(4)		2	(6)	(4)
Net unrealized gains (losses) on net investment hedges			0		0	0	0
Period change			(4)		2	(6)	(4)
Balance, end of period	(9)	(4)	(9)	(3)	(4)	(9)	(4)
Unrealized gains (losses) for pension and other post-retirement obligations
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Balance, beginning of period			(222)	(244)	(247)	(225)	(253)
Other comprehensive income (loss) before reclassifications			0		0	0	0
Net unrealized gains (losses) on net investment hedges			3		3	6	9
Period change			3		3	6	9
Balance, end of period	(219)	(244)	(219)	(225)	(244)	(219)	(244)
Accumulated Other Comprehensive Income (Loss)
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Balance, beginning of period			(2,098)	(125)	(19)	(229)	192
Balance, end of period	(3,276)	(125)	$ (3,276)	$ (229)	$ (125)	$ (3,276)	$ (125)
Reclassification out of Accumulated Other Comprehensive Income
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Net unrealized loss on securities transfer	$ 69	$ 41

SHAREHOLDERS' EQUITY (Details)

SHAREHOLDERS' EQUITY (Details) - USD ($) $ / shares in Units, $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021	Dec. 31, 2021
Class of Stock [Line Items]
Shares Outstanding (in shares)	557,500		557,500		557,500
Carrying Amount	$ 2,167		$ 2,167		$ 2,167
Cash Dividend Declared Per Share, Amount	(29)	$ (29)	(85)	$ (103)
Treasury shares	$ 80		$ 80		79
Red Iron
Class of Stock [Line Items]
Joint venture, controlling interest ownership percentage	55%		55%
Non-controlling interest, ownership percentage	45%		45%
Retained Earnings
Class of Stock [Line Items]
Cash Dividend Declared Per Share, Amount	$ (29)	$ (29)	$ (85)	$ (103)
Series B Preferred Stock
Class of Stock [Line Items]
Shares Outstanding (in shares)	35,500		35,500
Carrying Amount	$ 23		$ 23		23
Cash Dividend Declared Per Share (in usd per share)	$ 16.95	$ 7.07	$ 39.34	$ 21.63
Series B Preferred Stock | Retained Earnings
Class of Stock [Line Items]
Cash Dividend Declared Per Share, Amount	$ 0	$ 0	$ 0	$ 0
Series D Preferred Stock
Class of Stock [Line Items]
Cash Dividend Declared Per Share (in usd per share)	$ 0	$ 0	$ 0	$ 31.25
Series D Preferred Stock | Retained Earnings
Class of Stock [Line Items]
Cash Dividend Declared Per Share, Amount	$ 0	$ 0	$ 0	$ (18)
Series C Preferred Stock
Class of Stock [Line Items]
Cash Dividend Declared Per Share (in usd per share)	$ 0	$ 14.69	$ 0	$ 44.07
Series C Preferred Stock | Retained Earnings
Class of Stock [Line Items]
Cash Dividend Declared Per Share, Amount	$ 0	$ (1)	$ 0	$ (4)
Series E Preferred Stock
Class of Stock [Line Items]
Shares Outstanding (in shares)	5,000		5,000
Dividend Rate			5.70%
Carrying Amount	$ 495		$ 495		495
Cash Dividend Declared Per Share (in usd per share)	$ 1,425	$ 1,425	$ 4,275	$ 4,275
Series E Preferred Stock | Retained Earnings
Class of Stock [Line Items]
Cash Dividend Declared Per Share, Amount	$ (7)	$ (7)	$ (21)	$ (21)
Series F Preferred Stock
Class of Stock [Line Items]
Shares Outstanding (in shares)	5,000		5,000
Dividend Rate			5.625%
Carrying Amount	$ 494		$ 494		494
Cash Dividend Declared Per Share (in usd per share)	$ 1,406.25	$ 1,406.25	$ 4,218.75	$ 4,218.75
Series F Preferred Stock | Retained Earnings
Class of Stock [Line Items]
Cash Dividend Declared Per Share, Amount	$ (7)	$ (7)	$ (21)	$ (21)
Series G Preferred Stock
Class of Stock [Line Items]
Shares Outstanding (in shares)	5,000		5,000
Dividend Rate			4.45%
Carrying Amount	$ 494		$ 494		494
Cash Dividend Declared Per Share (in usd per share)	$ 1,112.5	$ 1,112.5	$ 3,337.5	$ 3,337.5
Series G Preferred Stock | Retained Earnings
Class of Stock [Line Items]
Cash Dividend Declared Per Share, Amount	$ (6)	$ (6)	$ (18)	$ (18)
Series H Preferred Stock
Class of Stock [Line Items]
Shares Outstanding (in shares)	500,000		500,000
Dividend Rate			4.50%
Carrying Amount	$ 486		$ 486		486
Cash Dividend Declared Per Share (in usd per share)	$ 11.25	$ 11.25	$ 33.75	$ 30.75
Series H Preferred Stock | Retained Earnings
Class of Stock [Line Items]
Cash Dividend Declared Per Share, Amount	$ (6)	$ (6)	$ (18)	$ (16)
Series I Preferred Stock
Class of Stock [Line Items]
Shares Outstanding (in shares)	7,000		7,000
Dividend Rate			5.70%
Carrying Amount	$ 175		$ 175		$ 175
Redemption price (per share)	$ 25,000		$ 25,000
Cash Dividend Declared Per Share (in usd per share)	$ 356.25	$ 356.25	$ 1,068.75	$ 712.50
Series I Preferred Stock | Retained Earnings
Class of Stock [Line Items]
Cash Dividend Declared Per Share, Amount	$ (3)	$ (2)	$ (7)	$ (5)
Series B And H Preferred Stock
Class of Stock [Line Items]
Redemption price (per share)	$ 1,000		$ 1,000
Series E, F and G 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 Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021
Basic earnings per common share:
Net income attributable to Huntington Bancshares Inc	$ 594	$ 377	$ 1,593	$ 894
Dividends on preferred shares	29	29	85	103
Impact of preferred stock redemption	0	15	0	15
Net income available to common shareholders, basic	565	333	1,508	776
Net income applicable to diluted earnings per share	$ 565	$ 333	$ 1,508	$ 776
Average common shares issued and outstanding (in shares)	1,442,591	1,462,736	1,440,740	1,201,763
Basic earnings per common share (in usd per share)	$ 0.39	$ 0.23	$ 1.05	$ 0.65
Dilutive potential common shares:
Stock options and restricted stock units and awards	16,064	17,536	17,078	17,623
Shares held in deferred compensation plans	6,428	7,063	6,416	6,042
Dilutive potential common shares	22,492	24,599	23,494	23,665
Total diluted average common shares issued and outstanding (in shares)	1,465,083	1,487,335	1,464,234	1,225,428
Diluted earnings per common share (in usd per share)	$ 0.39	$ 0.22	$ 1.03	$ 0.63
Employee Stock Option
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Options outstanding to purchase common stock shares having antidilutive effect	7,121	4,609	5,565	4,410

NONINTEREST INCOME - Summary of

NONINTEREST INCOME - Summary of Noninterest Income (Details) - USD ($) $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021
Revenue from Contract with Customer [Abstract]
Noninterest income from contracts with customers	$ 345	$ 315	$ 975	$ 794
Noninterest income within the scope of other GAAP topics	153	220	507	580
Total noninterest income	$ 498	$ 535	$ 1,482	$ 1,374

NONINTEREST INCOME - Disaggrega

NONINTEREST INCOME - Disaggregation by Segment (Details) - USD ($) $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	$ 345	$ 315	$ 975	$ 794
Noninterest income within the scope of other GAAP topics	153	220	507	580
Noninterest income	498	535	1,482	1,374
Service charges on deposit accounts
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	93	114	295	271
Card and payment processing income
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	90	91	259	225
Trust and investment management services
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	60	61	188	168
Insurance income
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	28	25	86	77
Capital markets fees
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	38	6	55	17
Other noninterest income
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	36	18	92	36
Operating Segments | Commercial Banking
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	95	36	211	98
Noninterest income within the scope of other GAAP topics	86	114	262	255
Noninterest income	181	150	473	353
Operating Segments | Commercial Banking | Service charges on deposit accounts
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	20	23	65	64
Operating Segments | Commercial Banking | Card and payment processing income
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	6	6	17	14
Operating Segments | Commercial Banking | Trust and investment management services
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	1	0	3	1
Operating Segments | Commercial Banking | Insurance income
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	2	2	6	5
Operating Segments | Commercial Banking | Capital markets fees
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	37	4	48	11
Operating Segments | Commercial Banking | Other noninterest income
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	29	1	72	3
Operating Segments | Consumer & Business Banking
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	192	211	579	514
Noninterest income within the scope of other GAAP topics	51	91	206	266
Noninterest income	243	302	785	780
Operating Segments | Consumer & Business Banking | Service charges on deposit accounts
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	70	89	222	201
Operating Segments | Consumer & Business Banking | Card and payment processing income
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	84	85	242	211
Operating Segments | Consumer & Business Banking | Trust and investment management services
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	16	17	51	45
Operating Segments | Consumer & Business Banking | Insurance income
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	14	12	40	38
Operating Segments | Consumer & Business Banking | Capital markets fees
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	2	1	6	4
Operating Segments | Consumer & Business Banking | Other noninterest income
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	6	7	18	15
Operating Segments | Vehicle Finance
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	4	2	8	6
Noninterest income within the scope of other GAAP topics	0	2	2	3
Noninterest income	4	4	10	9
Operating Segments | Vehicle Finance | Service charges on deposit accounts
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	2	1	5	4
Operating Segments | Vehicle Finance | Card and payment processing income
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	0	0	0	0
Operating Segments | Vehicle Finance | Trust and investment management services
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	0	0	0	0
Operating Segments | Vehicle Finance | Insurance income
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	0	0	0	0
Operating Segments | Vehicle Finance | Capital markets fees
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	1	0	2	1
Operating Segments | Vehicle Finance | Other noninterest income
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	1	1	1	1
Operating Segments | RBHPCG
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	56	58	179	164
Noninterest income within the scope of other GAAP topics	1	0	2	1
Noninterest income	57	58	181	165
Operating Segments | RBHPCG | Service charges on deposit accounts
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	1	1	3	2
Operating Segments | RBHPCG | Card and payment processing income
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	0	0	0	0
Operating Segments | RBHPCG | Trust and investment management services
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	43	44	134	122
Operating Segments | RBHPCG | Insurance income
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	11	11	39	33
Operating Segments | RBHPCG | Capital markets fees
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	0	1	1	1
Operating Segments | RBHPCG | Other noninterest income
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	1	1	2	6
Treasury / Other
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	(2)	8	(2)	12
Noninterest income within the scope of other GAAP topics	15	13	35	55
Noninterest income	13	21	33	67
Treasury / Other | Service charges on deposit accounts
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	0	0	0	0
Treasury / Other | Card and payment processing income
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	0	0	0	0
Treasury / Other | Trust and investment management services
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	0	0	0	0
Treasury / Other | Insurance income
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	1	0	1	1
Treasury / Other | Capital markets fees
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	(2)	0	(2)	0
Treasury / Other | Other noninterest income
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	$ (1)	$ 8	$ (1)	$ 11

FAIR VALUES OF ASSETS AND LIA_3

FAIR VALUES OF ASSETS AND LIABILITIES - Recurring Basis (Details) - USD ($) $ in Millions	Sep. 30, 2022	Dec. 31, 2021
Assets measured at fair value on a recurring basis
Available-for-sale securities	$ 23,306	$ 28,460
Loans held for sale	758	1,270
Loans Accounted for Under FVO	182	171
Gross amounts of recognized assets	2,523	1,065
Derivative assets netting	(2,104)	(465)
Net amounts of assets presented in the condensed consolidated balance sheets	419	600
Liabilities measured at fair value on a recurring basis
Gross amounts of recognized liabilities	2,663	743
Gross amounts offset in the condensed consolidated balance sheets	(1,460)	(624)
Derivative liabilities	1,203	119
Municipal securities
Assets measured at fair value on a recurring basis
Available-for-sale securities	3,376	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	11,983	15,508
Commercial MBS
Assets measured at fair value on a recurring basis
Available-for-sale securities	2,038	1,865
Other agencies
Assets measured at fair value on a recurring basis
Available-for-sale securities	190	248
Private-label CMO
Assets measured at fair value on a recurring basis
Available-for-sale securities	142	106
Asset-backed securities
Assets measured at fair value on a recurring basis
Available-for-sale securities	371	382
Corporate debt
Assets measured at fair value on a recurring basis
Available-for-sale securities	2,162	2,167
Fair Value, Measurements, Recurring
Assets measured at fair value on a recurring basis
Available-for-sale securities	23,306	28,460
Other securities	50	72
Loans held for sale	758	1,270
MSRs	486	351
Derivative assets netting	(2,104)	(465)
Net amounts of assets presented in the condensed consolidated balance sheets	419	600
Restricted Assets, Fair Value Disclosure	111	156
Liabilities measured at fair value on a recurring basis
Gross amounts offset in the condensed consolidated balance sheets	(1,460)	(624)
Derivative liabilities	1,203	119
Fair Value, Measurements, Recurring | Municipal securities
Assets measured at fair value on a recurring basis
Trading account securities	32	46
Available-for-sale securities	3,376	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	3,035	4,649
Fair Value, Measurements, Recurring | Residential MBS
Assets measured at fair value on a recurring basis
Available-for-sale securities	11,983	15,508
Fair Value, Measurements, Recurring | Commercial MBS
Assets measured at fair value on a recurring basis
Available-for-sale securities	2,038	1,865
Fair Value, Measurements, Recurring | Other agencies
Assets measured at fair value on a recurring basis
Available-for-sale securities	190	248
Fair Value, Measurements, Recurring | Private-label CMO
Assets measured at fair value on a recurring basis
Available-for-sale securities	142	106
Fair Value, Measurements, Recurring | Asset-backed securities
Assets measured at fair value on a recurring basis
Available-for-sale securities	371	382
Fair Value, Measurements, Recurring | Corporate debt
Assets measured at fair value on a recurring basis
Available-for-sale securities	2,162	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	47	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	111	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	19,878	24,888
Other securities	3	7
Loans held for sale	758	1,270
Loans Accounted for Under FVO	166	152
MSRs	0	0
Gross amounts of recognized assets	2,521	1,055
Restricted Assets, Fair Value Disclosure	0	0
Liabilities measured at fair value on a recurring basis
Gross amounts of recognized liabilities	2,652	737
Fair Value, Measurements, Recurring | Level 2 | Municipal securities
Assets measured at fair value on a recurring basis
Trading account securities	32	46
Available-for-sale securities	44	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	3,035	4,649
Fair Value, Measurements, Recurring | Level 2 | Residential MBS
Assets measured at fair value on a recurring basis
Available-for-sale securities	11,983	15,508
Fair Value, Measurements, Recurring | Level 2 | Commercial MBS
Assets measured at fair value on a recurring basis
Available-for-sale securities	2,038	1,865
Fair Value, Measurements, Recurring | Level 2 | Other agencies
Assets measured at fair value on a recurring basis
Available-for-sale securities	190	248
Fair Value, Measurements, Recurring | Level 2 | Private-label CMO
Assets measured at fair value on a recurring basis
Available-for-sale securities	121	86
Fair Value, Measurements, Recurring | Level 2 | Asset-backed securities
Assets measured at fair value on a recurring basis
Available-for-sale securities	301	312
Fair Value, Measurements, Recurring | Level 2 | Corporate debt
Assets measured at fair value on a recurring basis
Available-for-sale securities	2,162	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	3,423	3,567
Other securities	0	0
Loans held for sale	0	0
Loans Accounted for Under FVO	16	19
MSRs	486	351
Gross amounts of recognized assets	2	10
Restricted Assets, Fair Value Disclosure	0	0
Liabilities measured at fair value on a recurring basis
Gross amounts of recognized liabilities	11	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	3,332	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	21	20
Fair Value, Measurements, Recurring | Level 3 | Asset-backed securities
Assets measured at fair value on a recurring basis
Available-for-sale securities	70	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_4

FAIR VALUES OF ASSETS AND LIABILITIES - Level 3 Roll Forward (Details) - USD ($) $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021	Jun. 30, 2022	Dec. 31, 2021	Jun. 30, 2021	Dec. 31, 2020
Assets Level 3 Roll Forward:
Transfers out of Level 3			$ (6)
Total gains/losses for the period:
Repayments			0	$ 0
Derivative instruments
Opening balance	$ (9)	$ 12	(9)	12	$ (5)	$ 4	$ 23	$ 41
Transfers out of Level 3	(6)	(39)		(109)
Included in earnings:	2
Included in OCI	0	0	0	0
Purchases/originations	0	0	0	7
Sales		0		0
Repayments	0	0
Settlements	0	0	0	0
Closing balance	(9)	12	(9)	12
Change in unrealized gains or losses for the period included in earnings for assets held at end of the reporting date	(8)	(12)	(17)	(33)
Mortgage banking income
Derivative instruments
Included in earnings:		28	(7)	73
Interest and fee income
Derivative instruments
Included in earnings:		0	0	0
Provision for credit losses
Derivative instruments
Included in earnings:			0
MSRs
Assets Level 3 Roll Forward:
Opening balance	463	327	351	210
Transfers out of Level 3	0	0	0	0
Total gains/losses for the period:
Included in earnings:	17
Included in OCI	0	0	0	0
Purchases/originations	20	31	68	162
Sales		0		0
Repayments	0	0	0	0
Settlements	(14)	(21)	(45)	(61)
Closing balance	486	338	486	338	463	351	327	210
Change in unrealized gains or losses for the period included in earnings for assets held at end of the reporting date	17	1	112	27
MSRs | Mortgage banking income
Total gains/losses for the period:
Included in earnings:		1	112	27
MSRs | Interest and fee income
Total gains/losses for the period:
Included in earnings:		0	0	0
MSRs | Provision for credit losses
Total gains/losses for the period:
Included in earnings:			0
Municipal securities
Assets Level 3 Roll Forward:
Opening balance	3,377	3,609	3,477	2,951
Transfers out of Level 3	0	0	0	0
Total gains/losses for the period:
Included in earnings:	0
Included in OCI	(66)	(8)	(274)	(13)
Purchases/originations	309	260	867	1,613
Sales		(17)		(369)
Repayments	0	0	0	0
Settlements	(288)	(261)	(732)	(599)
Closing balance	3,332	3,582	3,332	3,582	3,377	3,477	3,609	2,951
Change in unrealized gains or losses for the period included in other comprehensive income for assets held at the end of the reporting period	(69)	(10)	(274)	(14)
Municipal securities | Mortgage banking income
Total gains/losses for the period:
Included in earnings:		0	0	0
Municipal securities | Interest and fee income
Total gains/losses for the period:
Included in earnings:		(1)	(2)	(1)
Municipal securities | Provision for credit losses
Total gains/losses for the period:
Included in earnings:			(4)
Private-label CMO
Assets Level 3 Roll Forward:
Opening balance	22	18	20	9
Transfers out of Level 3	0	0	0	0
Total gains/losses for the period:
Included in earnings:	0
Included in OCI	0	0	0	0
Purchases/originations	0	0	4	8
Sales		0		0
Repayments	0	0	0	0
Settlements	(1)	0	(1)	1
Closing balance	21	18	21	18	22	20	18	9
Change in unrealized gains or losses for the period included in other comprehensive income for assets held at the end of the reporting period	0	0	0	0
Private-label CMO | Mortgage banking income
Total gains/losses for the period:
Included in earnings:		0	0	0
Private-label CMO | Interest and fee income
Total gains/losses for the period:
Included in earnings:		0	(2)	0
Private-label CMO | Provision for credit losses
Total gains/losses for the period:
Included in earnings:			0
Asset-backed securities
Assets Level 3 Roll Forward:
Opening balance	44	46	71	10
Transfers out of Level 3	0	0	0	0
Total gains/losses for the period:
Included in earnings:	0
Included in OCI	0	0	(1)	0
Purchases/originations	26	0	26	75
Sales		0		0
Repayments	0	0	0	0
Settlements	0	(11)	(26)	(50)
Closing balance	70	35	70	35	44	71	46	10
Change in unrealized gains or losses for the period included in other comprehensive income for assets held at the end of the reporting period	(1)	0	(1)	0
Asset-backed securities | Mortgage banking income
Total gains/losses for the period:
Included in earnings:		0	0	0
Asset-backed securities | Interest and fee income
Total gains/losses for the period:
Included in earnings:		0	0	0
Asset-backed securities | Provision for credit losses
Total gains/losses for the period:
Included in earnings:			0
Loans held for investment
Assets Level 3 Roll Forward:
Opening balance	17	21	19	23
Transfers out of Level 3	0	0	0	0
Total gains/losses for the period:
Included in earnings:	0
Included in OCI	0	0	0	0
Purchases/originations	0	0	0	0
Sales		0		0
Repayments	(1)	(1)	(3)	(3)
Settlements	0	0	0	0
Closing balance	16	20	16	20	$ 17	$ 19	$ 21	$ 23
Change in unrealized gains or losses for the period included in earnings for assets held at end of the reporting date	$ 0	0	0	0
Loans held for investment | Mortgage banking income
Total gains/losses for the period:
Included in earnings:		0	0	0
Loans held for investment | Interest and fee income
Total gains/losses for the period:
Included in earnings:		$ 0	0	$ 0
Loans held for investment | Provision for credit losses
Total gains/losses for the period:
Included in earnings:			$ 0

FAIR VALUES OF ASSETS AND LIA_5

FAIR VALUES OF ASSETS AND LIABILITIES - Fair Value Option (Details) - USD ($) $ in Millions	Sep. 30, 2022	Dec. 31, 2021
Fair Value, Option, Quantitative Disclosures [Line Items]
Loans held for sale, fair value	$ 758	$ 1,270
Loans and leases, fair value	182	171
Fair Value, Measurements, Recurring
Fair Value, Option, Quantitative Disclosures [Line Items]
Loans held for sale, fair value	758	1,270
Fair Value, Measurements, Recurring | Mortgages Held For Sale
Fair Value, Option, Quantitative Disclosures [Line Items]
Loans held for sale, aggregate unpaid principal	781	1,237
Difference	(23)	33
Fair Value, Measurements, Recurring | Mortgages Held To Maturity
Fair Value, Option, Quantitative Disclosures [Line Items]
Loans and leases, fair value	182	171
Loans held for investment, aggregate unpaid principal	187	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	3	4
Loans held for investment, aggregate unpaid principal	3	4
Difference	$ 0	$ 0

FAIR VALUES OF ASSETS AND LIA_6

FAIR VALUES OF ASSETS AND LIABILITIES - Fair Value Option-Changes in Fair Value (Details) - USD ($) $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021
Fair Value, Measurements, Recurring
Fair Value, Option, Quantitative Disclosures [Line Items]
Net gains (losses) from fair value changes	$ (22)	$ (4)	$ (56)	$ (30)
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	$ 0	$ 0	$ 1	$ 0

FAIR VALUES OF ASSETS AND LIA_7

FAIR VALUES OF ASSETS AND LIABILITIES - Non-Recurring Basis (Details) - USD ($) $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021	Dec. 31, 2021
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans held for sale	$ 758		$ 758		$ 1,270
Nonrecurring Basis | Total Gains/(Losses)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Collateral-dependent loans, gains (losses)	0	$ 0	(1)	$ (2)
Loans held for sale, gains (losses)	1	$ (1)	1	$ 1
Nonrecurring Basis | Level 3 | Fair Value
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Collateral-dependent loans	47		47		39
Loans held for sale	$ 61		$ 61		$ 0

FAIR VALUES OF ASSETS AND LIA_8

FAIR VALUES OF ASSETS AND LIABILITIES - Significant Unobservable Level 3 Inputs (Details) - Level 3 - Fair Value, Measurements, Recurring	Sep. 30, 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	0.05	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	0.05	0.03
Residential MBS | Maximum | Discounted cash flow | Constant prepayment rate
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Servicing asset, measurement input	0.22	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	0.13	0.11
Residential MBS | Weighted Average | Discounted cash flow | Constant prepayment rate
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Servicing asset, measurement input	0.07	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	0.06	0.05
Derivative instruments | Minimum | Consensus Pricing | Net market price
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Derivative asset, measurement input	(0.20)	(0.04)
Derivative instruments | Minimum | Consensus Pricing | Estimated pull through %
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Derivative asset, measurement input	0.05	0.06
Derivative instruments | Maximum | Consensus Pricing | Net market price
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Derivative asset, measurement input	0.06	0.08
Derivative instruments | Maximum | Consensus Pricing | Estimated pull through %
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Derivative asset, measurement input	1	1
Derivative instruments | Weighted Average | Consensus Pricing | Net market price
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Derivative asset, measurement input	(0.03)	0.01
Derivative instruments | Weighted Average | Consensus Pricing | Estimated pull through %
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Derivative asset, measurement input	0.94	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	0.04	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	0.05	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	0.80	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	0.05	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	0.07	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	0.25	0.23

FAIR VALUES OF ASSETS AND LIA_9

FAIR VALUES OF ASSETS AND LIABILITIES - Balance Sheet Location (Details) - USD ($) $ in Millions		Sep. 30, 2022	Dec. 31, 2021
Financial Assets
Available-for-sale securities		$ 23,306	$ 28,460
Held-to-maturity securities		17,173	12,447
Loans held for sale	[1]	893	1,676
Net loans and leases		116,037	109,237
Derivative assets, gross		2,523	1,065
Derivative assets, netting adjustments		(2,104)	(465)
Derivative assets, net		419	600
Financial Liabilities
Total deposits		146,313	143,263
Short-term borrowings		426	334
Long-term debt		10,168	7,108
Derivative liabilities, gross		2,663	743
Derivative liabilities, netting adjustments		(1,460)	(624)
Derivative liabilities, net		1,203	119
Reported Value Measurement
Financial Assets
Cash and short-term assets		4,592	5,914
Trading account securities		32	46
Available-for-sale securities		23,306	28,460
Held-to-maturity securities		17,173	12,447
Other securities		818	648
Loans held for sale		893	1,676
Net loans and leases		116,037	109,237
Derivative assets, net		419	600
Assets held in trust for deferred compensation plans		111	156
Financial Liabilities
Total deposits		146,313	143,263
Short-term borrowings		426	334
Long-term debt		10,168	7,108
Derivative liabilities, net		1,203	119
Estimate of Fair Value Measurement
Financial Assets
Cash and short-term assets		4,592	5,914
Trading account securities		32	46
Available-for-sale securities		23,306	28,460
Held-to-maturity securities		14,835	12,489
Other securities		818	648
Other securities		50	72
Loans held for sale		900	1,621
Net loans and leases		110,944	109,695
Derivative assets, net		419	600
Assets held in trust for deferred compensation plans		111	156
Financial Liabilities
Total deposits		146,211	143,574
Short-term borrowings		426	334
Long-term debt		9,995	7,319
Derivative liabilities, net		1,203	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
Other securities		47	65
Loans held for sale		0	0
Net loans and leases		0	0
Financial Liabilities
Total deposits		0	0
Short-term borrowings		0	0
Long-term debt		0	0
Estimate of Fair Value Measurement | Level 2
Financial Assets
Trading account securities		32	46
Available-for-sale securities		19,878	24,888
Held-to-maturity securities		14,835	12,489
Other securities		3	7
Loans held for sale		758	1,270
Net loans and leases		166	152
Derivative assets, gross		2,521	1,055
Financial Liabilities
Total deposits		142,710	139,047
Short-term borrowings		426	334
Long-term debt		6,631	6,441
Derivative liabilities, gross		2,652	737
Estimate of Fair Value Measurement | Level 3
Financial Assets
Trading account securities		0	0
Available-for-sale securities		3,423	3,567
Held-to-maturity securities		0	0
Other securities		0	0
Loans held for sale		142	351
Net loans and leases		110,778	109,543
Derivative assets, gross		2	10
Derivative assets, netting adjustments		(2,104)	(465)
Financial Liabilities
Total deposits		3,501	4,527
Short-term borrowings		0	0
Long-term debt		3,364	878
Derivative liabilities, gross		11	6
Derivative liabilities, netting adjustments		(1,460)	(624)
Fair Value, Recurring
Financial Assets
Available-for-sale securities		23,306	28,460
Derivative assets, netting adjustments		(2,104)	(465)
Derivative assets, net		419	600
Financial Liabilities
Derivative liabilities, netting adjustments		(1,460)	(624)
Derivative liabilities, net		1,203	119
Fair Value, Recurring | Level 1
Financial Assets
Available-for-sale securities		5	5
Derivative assets, gross		0	0
Financial Liabilities
Derivative liabilities, gross		0	0
Fair Value, Recurring | Level 2
Financial Assets
Available-for-sale securities		19,878	24,888
Derivative assets, gross		2,521	1,055
Financial Liabilities
Derivative liabilities, gross		2,652	737
Fair Value, Recurring | Level 3
Financial Assets
Available-for-sale securities		3,423	3,567
Derivative assets, gross		2	10
Financial Liabilities
Derivative liabilities, gross		11	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		4,592	5,914
Held-to-maturity securities		17,173	12,447
Other securities		768	576
Net loans and leases		115,855	109,066
Financial Liabilities
Total deposits		146,313	143,263
Short-term borrowings		426	334
Long-term debt		10,168	7,108
Fair Value or Fair Value Option | Reported Value Measurement
Financial Assets
Trading account securities		32	46
Available-for-sale securities		23,306	28,460
Other securities		50	72
Loans held for sale		758	1,270
Net loans and leases		182	171
Derivative assets, net		419	600
Assets held in trust for deferred compensation plans		111	156
Financial Liabilities
Derivative liabilities, net		1,203	119
Lower of Cost or Market | Reported Value Measurement
Financial Assets
Loans held for sale		$ 135	$ 406
[1] Amounts represent loans for which Huntington has elected the fair value option. See Note 13 “ Fair Values of Assets and Liabilities ”.

DERIVATIVE FINANCIAL INSTRUME_3

DERIVATIVE FINANCIAL INSTRUMENTS - Hedging Instruments (Details) - USD ($) $ in Millions	Sep. 30, 2022	Dec. 31, 2021
Derivatives, Fair Value [Line Items]
Notional Value	$ 38,622	$ 21,577
Asset derivatives included in accrued income and other assets
Total contracts	2,523	1,065
Liability derivatives included in accrued expenses and other liabilities
Total contracts	2,663	743
Accrued income and other assets
Asset derivatives included in accrued income and other assets
Interest rate contracts not designated as hedging instruments	1,188	587
Foreign exchange contracts not designated as hedging instruments	98	29
Commodities contracts not designated as hedging instruments	201	178
Derivative Instruments Not Designated as Hedging Instruments, Asset, at Fair Value	0	12
Total contracts	2,523	1,065
Accrued expenses and other liabilities
Liability derivatives included in accrued expenses and other liabilities
Interest rate contracts not designated as hedging instruments	1,181	498
Foreign exchange contracts not designated as hedging instruments	64	31
Commodities contracts not designated as hedging instruments	198	177
Derivative Instruments Not Designated as Hedging Instruments, Liability, at Fair Value	2	5
Total contracts	2,663	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	1,036	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	1,205	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	0	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	13	0
Derivatives designated as Hedging Instruments | Interest rate contracts | Accrued income and other assets
Derivatives, Fair Value [Line Items]
Notional Value	38,351	21,306
Derivatives designated as Hedging Instruments | Foreign exchange contracts | Accrued income and other assets
Derivatives, Fair Value [Line Items]
Notional Value	206	210
Derivatives not designated as Hedging Instruments | Accrued income and other assets
Derivatives, Fair Value [Line Items]
Notional Value	84,479	72,088
Derivatives not designated as Hedging Instruments | Interest rate contracts | Accrued income and other assets
Derivatives, Fair Value [Line Items]
Notional Value	39,835	45,286
Derivatives not designated as Hedging Instruments | Foreign exchange contracts | Accrued income and other assets
Derivatives, Fair Value [Line Items]
Notional Value	4,483	3,524
Derivatives not designated as Hedging Instruments | Commodities contracts | Accrued income and other assets
Derivatives, Fair Value [Line Items]
Notional Value	1,045	1,077
Derivatives not designated as Hedging Instruments | Equity contracts | Accrued income and other assets
Derivatives, Fair Value [Line Items]
Notional Value	$ 559	$ 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		9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021
Derivative Instruments, Gain (Loss) [Line Items]
Amount of Gain or (Loss) Recognized in Income on Derivative	$ 24	$ 20	$ (11)	$ 109
Interest rate contracts | Capital markets fees
Derivative Instruments, Gain (Loss) [Line Items]
Amount of Gain or (Loss) Recognized in Income on Derivative	12	13	37	37
Interest rate contracts | Mortgage banking income
Derivative Instruments, Gain (Loss) [Line Items]
Amount of Gain or (Loss) Recognized in Income on Derivative	0	5	(80)	(24)
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	(4)
Interest rate floors | Other noninterest expense
Derivative Instruments, Gain (Loss) [Line Items]
Amount of Gain or (Loss) Recognized in Income on Derivative			0	(8)
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	0
Interest rate caps | Other noninterest expense
Derivative Instruments, Gain (Loss) [Line Items]
Amount of Gain or (Loss) Recognized in Income on Derivative			0	89
Foreign exchange contracts | Capital markets fees
Derivative Instruments, Gain (Loss) [Line Items]
Amount of Gain or (Loss) Recognized in Income on Derivative	12	9	32	22
Commodities contracts | Capital markets fees
Derivative Instruments, Gain (Loss) [Line Items]
Amount of Gain or (Loss) Recognized in Income on Derivative	1	(1)	4	(1)
Equity contracts | Other noninterest expense
Derivative Instruments, Gain (Loss) [Line Items]
Amount of Gain or (Loss) Recognized in Income on Derivative	$ (1)	$ (2)	$ (4)	$ (6)

DERIVATIVE FINANCIAL INSTRUME_5

DERIVATIVE FINANCIAL INSTRUMENTS - Asset and Liability Management (Details) - USD ($) $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021	Dec. 31, 2021
Notional Disclosures [Abstract]
Notional Value	$ 38,622		$ 38,622		$ 21,577
Increase decrease to net interest income due to derivative adjustment	21	$ 61	108	$ 291
Not Designated as Hedging Instrument, Economic Hedge
Notional Disclosures [Abstract]
Notional Value	271		271		271
Fair Value Hedging | Derivatives designated as Hedging Instruments
Notional Disclosures [Abstract]
Notional Value	16,026		16,026		10,156
Cash Flow Hedging | Derivatives designated as Hedging Instruments
Notional Disclosures [Abstract]
Notional Value	22,325		22,325		11,150
Investment securities
Notional Disclosures [Abstract]
Notional Value	10,297		10,297		8,228
Investment securities | Not Designated as Hedging Instrument, Economic Hedge
Notional Disclosures [Abstract]
Notional Value	0		0		0
Investment securities | Fair Value Hedging | Derivatives designated as Hedging Instruments
Notional Disclosures [Abstract]
Notional Value	10,297		10,297		8,228
Investment securities | Cash Flow Hedging | Derivatives designated as Hedging Instruments
Notional Disclosures [Abstract]
Notional Value	0		0		0
Loans
Notional Disclosures [Abstract]
Notional Value	22,596		22,596		11,421
Loans | Not Designated as Hedging Instrument, Economic Hedge
Notional Disclosures [Abstract]
Notional Value	271		271		271
Loans | Fair Value Hedging | Derivatives designated as Hedging Instruments
Notional Disclosures [Abstract]
Notional Value	0		0		0
Loans | Cash Flow Hedging | Derivatives designated as Hedging Instruments
Notional Disclosures [Abstract]
Notional Value	22,325		22,325		11,150
Long-term debt
Notional Disclosures [Abstract]
Notional Value	5,729		5,729		1,928
Long-term debt | Not Designated as Hedging Instrument, Economic Hedge
Notional Disclosures [Abstract]
Notional Value	0		0		0
Long-term debt | Fair Value Hedging | Derivatives designated as Hedging Instruments
Notional Disclosures [Abstract]
Notional Value	5,729		5,729		1,928
Long-term debt | Cash Flow Hedging | Derivatives designated as Hedging Instruments
Notional Disclosures [Abstract]
Notional Value	$ 0		$ 0		$ 0

DERIVATIVE FINANCIAL INSTRUME_6

DERIVATIVE FINANCIAL INSTRUMENTS - Fair Value Hedges (Details) - USD ($) $ in Millions	3 Months Ended		9 Months Ended		12 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021	Dec. 31, 2021
Derivative Instruments, Gain (Loss) [Line Items]
Cumulative basis adjustments associated with hedging relationships	$ 892		$ 892
Fair value hedging adjustments			(69)		$ 17
Investment Securities
Derivative Instruments, Gain (Loss) [Line Items]
Amortized Cost	18,026		18,026		17,150
Cumulative Amount of Fair Value Hedging Adjustment To Hedged Items	(1,032)		(1,032)		(117)
Amortized cost basis of the closed portfolios used in hedging relationships	17,200		17,200
Cumulative basis adjustments associated with hedging relationships	(892)		(892)
Designated hedged items	9,400		9,400
Interest Rate Swap
Derivative Instruments, Gain (Loss) [Line Items]
Designated hedged items	869		869
Subordinated notes
Derivative Instruments, Gain (Loss) [Line Items]
Amortized Cost	4,095		4,095		1,981
Cumulative Amount of Fair Value Hedging Adjustment To Hedged Items	(271)		(271)		$ 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	340	$ 2	926	$ 39
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	(324)	0	(914)	(40)
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	(178)	(22)	(314)	(95)
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	$ 178	$ 22	$ 315	$ 96

DERIVATIVE FINANCIAL INSTRUME_7

DERIVATIVE FINANCIAL INSTRUMENTS - Cash Flow Hedges (Details) - USD ($) $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021	Dec. 31, 2021
Derivative Instruments, Gain (Loss) [Line Items]
Notional Value	$ 38,622		$ 38,622		$ 21,577
Change in fair value related to cash flow hedges	(456)	$ (29)	(782)	$ (131)
Loans
Derivative Instruments, Gain (Loss) [Line Items]
Notional Value	$ 22,596		$ 22,596		$ 11,421

DERIVATIVE FINANCIAL INSTRUME_8

DERIVATIVE FINANCIAL INSTRUMENTS - MSR Hedging Activities (Details) - USD ($) $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021	Dec. 31, 2021
Derivative Instruments and Hedging Activities Disclosures [Line Items]
Remaining maturity			1 year
Notional Value	$ 38,622		$ 38,622		$ 21,577
Derivative used in Mortgage Banking Activities
Derivative Instruments and Hedging Activities Disclosures [Line Items]
Derivative, fair value, net	41		41		15
Notional Value	1,095		1,095		1,330
Trading assets	4		4		19
Trading liabilities	(80)		(80)		0
Trading gains (losses)	(25)	$ (4)	(105)	$ (28)
Commitments to sell loans
Derivative Instruments and Hedging Activities Disclosures [Line Items]
Commitments to sell residential real estate loans	$ 1,200		$ 1,200		$ 2,100

DERIVATIVE FINANCIAL INSTRUME_9

DERIVATIVE FINANCIAL INSTRUMENTS - Derivatives Used In Customer Related Activities (Details) - USD ($) $ in Millions	Sep. 30, 2022	Dec. 31, 2021
Derivative [Line Items]
Credit risks from interest rate swaps used for trading purposes	$ 146	$ 551
Derivative used in trading activity
Derivative [Line Items]
Net derivative asset (liability)	76	51
Derivative financial instruments used by Huntington on behalf of customers including offsetting derivatives, notional value	$ 42,100	$ 45,100

DERIVATIVE FINANCIAL INSTRUM_10

DERIVATIVE FINANCIAL INSTRUMENTS - Financial Assets And Liabilities That Are Offset (Details) $ in Millions	9 Months Ended
	Sep. 30, 2022 USD ($) group	Dec. 31, 2021 USD ($)
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Number of primary groups | group	2
Aggregate credit risk, net of collateral	$ (280)	$ 44
Investment securities and cash collateral pledged by Huntington	298
Investment securities and cash collateral pledged to Huntington	$ 861

DERIVATIVE FINANCIAL INSTRUM_11

DERIVATIVE FINANCIAL INSTRUMENTS - Offsetting Assets (Details) - USD ($) $ in Millions	Sep. 30, 2022	Dec. 31, 2021
Offsetting Derivative Assets [Abstract]
Gross amounts of recognized assets	$ 2,523	$ 1,065
Gross amounts offset in the condensed consolidated balance sheets	2,104	465
Net amounts of assets presented in the condensed consolidated balance sheets	419	600
Gross amounts not offset in the condensed consolidated balance sheets, Financial instruments	(6)	(65)
Gross amounts not offset in the condensed consolidated balance sheets, cash collateral received	(121)	(31)
Net amount	$ 292	$ 504

DERIVATIVE FINANCIAL INSTRUM_12

DERIVATIVE FINANCIAL INSTRUMENTS - Offsetting Liabilities (Details) - USD ($) $ in Millions	Sep. 30, 2022	Dec. 31, 2021
Offsetting Derivative Liabilities [Abstract]
Gross amounts of recognized liabilities	$ 2,663	$ 743
Gross amounts offset in the condensed consolidated balance sheets	(1,460)	(624)
Derivative liabilities	1,203	119
Gross amounts not offset in the condensed consolidated balance sheets, Financial instruments	(79)	(3)
Gross amounts not offset in the condensed consolidated balance sheets, Cash collateral received	(148)	(116)
Net amount	$ 976	$ 0

VIEs - Unconsolidated VIEs (Det

VIEs - Unconsolidated VIEs (Details) - USD ($) $ in Millions	Sep. 30, 2022	Dec. 31, 2021
Variable Interest Entity [Line Items]
Total Assets	$ 179,402	$ 174,064
Total Liabilities	162,231	154,746
Variable Interest Entity
Variable Interest Entity [Line Items]
Total Assets	2,440	2,150
Total Liabilities	1,496	1,343
Maximum Exposure to Loss	2,432	2,136
Affordable Housing Tax Credit Partnerships | Variable Interest Entity
Variable Interest Entity [Line Items]
Total Assets	1,910	1,652
Total Liabilities	1,169	949
Maximum Exposure to Loss	1,910	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	522	484
Total Liabilities	148	146
Maximum Exposure to Loss	$ 522	$ 484

VIEs - Trust Preferred Securiti

VIEs - Trust Preferred Securities (Details) $ in Millions	9 Months Ended
	Sep. 30, 2022 USD ($)
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	4.38%
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	5.15%
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	5.15%
Principal amount of subordinated note/debenture issued to trust	$ 75
Investment in unconsolidated subsidiary	$ 3

VIEs - Narrative (Details)

VIEs - Narrative (Details) - USD ($)	3 Months Ended		9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Maximum year to defer payment of interest on debenture			5 years
Affordable housing investments, impairment	$ 0	$ 0	$ 0	$ 0

VIEs - Low Income Housing Tax C

VIEs - Low Income Housing Tax Credit Partnerships (Details) - Variable Interest Entity - USD ($) $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021	Dec. 31, 2021
Affordable Housing Tax Credit Partnerships
Variable Interest Entity [Line Items]
Affordable housing tax credit investments	$ 2,743		$ 2,743		$ 2,376
Less: amortization	(833)		(833)		(724)
Net affordable housing tax credit investments	1,910		1,910		1,652
Unfunded commitments	1,169		1,169		$ 949
Tax credits and other tax benefits recognized	52	$ 36	159	$ 113
Proportional Amortization Method
Variable Interest Entity [Line Items]
Proportional amortization expense included in provision for income taxes	$ 45	$ 34	$ 131	$ 92

COMMITMENTS AND CONTINGENT LI_3

COMMITMENTS AND CONTINGENT LIABILITIES - Commitments to Extend Credit (Details) - USD ($) $ in Millions	Sep. 30, 2022	Dec. 31, 2021
Commercial
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Contract amount represents credit risk	$ 30,478	$ 27,933
Consumer
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Contract amount represents credit risk	19,283	18,513
Commercial real estate
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Contract amount represents credit risk	3,491	3,042
Standby letters of credit
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Contract amount represents credit risk	733	694
Commercial | Commercial letters of credit
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Contract amount represents credit risk	$ 14	$ 36

COMMITMENTS AND CONTINGENT LI_4

COMMITMENTS AND CONTINGENT LIABILITIES - Narrative (Details) - USD ($) $ in Millions	9 Months Ended
	Sep. 30, 2022	Dec. 31, 2021
Loss Contingencies [Line Items]
Bond expiration period	2 years
Standby letters of credit
Loss Contingencies [Line Items]
Carrying amount of deferred revenue associated with guarantees	$ 20	$ 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 Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2022 USD ($)	Sep. 30, 2021 USD ($)	Sep. 30, 2022 USD ($) segment	Sep. 30, 2021 USD ($)	Dec. 31, 2021 USD ($)
Segment Reporting Information [Line Items]
Number of reporting segments | segment			4
Net interest income	$ 1,404	$ 1,160	$ 3,811	$ 2,970
Provision for credit losses	106	(62)	198	89
Noninterest income	498	535	1,482	1,374
Noninterest expense	1,053	1,289	3,124	3,154
Provision (benefit) for income taxes	146	90	371	206
Income attributable to non-controlling interest	3	1	7	1
Net income attributable to Huntington Bancshares Inc	594	377	1,593	894
Total Assets	179,402		179,402		$ 174,064
Total deposits	146,313		146,313		143,263
Operating Segments | Consumer & Business Banking
Segment Reporting Information [Line Items]
Net interest income	708	483	1,701	1,187
Provision for credit losses	64	(7)	138	57
Noninterest income	243	302	785	780
Noninterest expense	605	637	1,807	1,617
Provision (benefit) for income taxes	60	33	114	62
Income attributable to non-controlling interest	0	0	0	0
Net income attributable to Huntington Bancshares Inc	222	122	427	231
Total Assets	38,424		38,424		39,929
Total deposits	93,854		93,854		95,352
Operating Segments | Commercial Banking
Segment Reporting Information [Line Items]
Net interest income	495	416	1,339	873
Provision for credit losses	84	(34)	9	107
Noninterest income	181	150	473	353
Noninterest expense	271	247	767	553
Provision (benefit) for income taxes	66	73	217	119
Income attributable to non-controlling interest	3	1	7	1
Net income attributable to Huntington Bancshares Inc	252	279	812	446
Total Assets	62,924		62,924		57,071
Total deposits	37,194		37,194		31,845
Operating Segments | Vehicle Finance
Segment Reporting Information [Line Items]
Net interest income	120	123	357	340
Provision for credit losses	(43)	(25)	36	(77)
Noninterest income	4	4	10	9
Noninterest expense	41	48	127	119
Provision (benefit) for income taxes	27	22	43	64
Income attributable to non-controlling interest	0	0	0	0
Net income attributable to Huntington Bancshares Inc	99	82	161	243
Total Assets	21,461		21,461		20,752
Total deposits	1,173		1,173		1,401
Operating Segments | RBPCG
Segment Reporting Information [Line Items]
Net interest income	63	42	167	113
Provision for credit losses	1	4	15	2
Noninterest income	57	58	181	165
Noninterest expense	79	84	241	217
Provision (benefit) for income taxes	8	3	19	12
Income attributable to non-controlling interest	0	0	0	0
Net income attributable to Huntington Bancshares Inc	32	9	73	47
Total Assets	9,876		9,876		8,325
Total deposits	8,982		8,982		10,162
Treasury / Other
Segment Reporting Information [Line Items]
Net interest income	18	96	247	457
Provision for credit losses	0	0	0	0
Noninterest income	13	21	33	67
Noninterest expense	57	273	182	648
Provision (benefit) for income taxes	(15)	(41)	(22)	(51)
Income attributable to non-controlling interest	0	0	0	0
Net income attributable to Huntington Bancshares Inc	(11)	$ (115)	120	$ (73)
Total Assets	46,717		46,717		47,987
Total deposits	$ 5,110		$ 5,110		$ 4,503