Huntington Bancshares (HBAN) 10-Q 28 Apr 23 2023 Q1 Quarterly report Financial data

Cover Page

Cover Page	3 Months Ended
	Mar. 31, 2023 shares
Entity Information [Line Items]
Document Type	10-Q
Document Quarterly Report	true
Document Period End Date	Mar. 31, 2023
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	1,443,614,966
Entity Central Index Key	0000049196
Amendment Flag	false
Document Fiscal Year Focus	2023
Document Fiscal Period Focus	Q1
Current Fiscal Year End Date	--12-31
Series H Preferred Stock
Entity Information [Line Items]
Title of 12(b) Security	Depositary Shares (each representing a 1/40th interest in a share of 4.500% Series H Non-Cumulative, perpetual preferred stock)
Trading Symbol	HBANP
Security Exchange Name	NASDAQ
Series I Preferred Stock
Entity Information [Line Items]
Title of 12(b) Security	Depositary Shares (each representing a 1/1000th interest in a share of 5.70% Series I Non-Cumulative, perpetual preferred stock)
Trading Symbol	HBANM
Security Exchange Name	NASDAQ
Series J Preferred Stock
Entity Information [Line Items]
Title of 12(b) Security	Depositary Shares (each representing a 1/40th interest in a share of 6.875% Series J Non-Cumulative, perpetual preferred stock)
Trading Symbol	HBANL
Security Exchange Name	NASDAQ
Common Stock-Par Value $0.01 per share
Entity Information [Line Items]
Title of 12(b) Security	Common Stock—Par Value $0.01 per Share
Trading Symbol	HBAN
Security Exchange Name	NASDAQ

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($) $ in Millions		Mar. 31, 2023	Dec. 31, 2022
Assets
Cash and due from banks		$ 1,568	$ 1,796
Interest-bearing deposits at Federal Reserve Bank		8,801	4,908
Interest-bearing deposits in banks		203	214
Trading account securities		18	19
Available-for-sale securities		24,086	23,423
Held-to-maturity securities		16,977	17,052
Other securities		1,299	854
Loans held for sale (includes $758 and $1,270 respectively, measured at fair value)	[1]	457	529
Loans and leases (includes $182 and $171 respectively, measured at fair value)	[1]	121,179	119,523
Allowance for loan and lease losses		(2,142)	(2,121)
Net loans and leases		119,037	117,402
Bank owned life insurance		2,753	2,753
Accrued income and other receivables		1,521	1,573
Premises and equipment		1,136	1,156
Goodwill		5,561	5,571
Servicing rights and other intangible assets		685	712
Other assets		4,968	4,944
Total assets		189,070	182,906
Liabilities
Demand deposits—noninterest-bearing		36,789	38,242
Interest-bearing		108,489	109,672
Total deposits		145,278	147,914
Short-term borrowings		6,898	2,027
Long-term debt		13,072	9,686
Other liabilities		5,011	5,510
Total liabilities		170,259	165,137
Commitments and Contingent Liabilities (Note 15)
Shareholders’ Equity
Preferred stock		2,484	2,167
Common stock		15	14
Capital surplus		15,332	15,309
Less treasury shares, at cost		(82)	(80)
Accumulated other comprehensive income (loss)		(2,755)	(3,098)
Retained earnings		3,764	3,419
Total Huntington shareholders’ equity		18,758	17,731
Non-controlling interest		53	38
Total equity		18,811	17,769
Total liabilities and equity		$ 189,070	$ 182,906
Common shares authorized (in shares)		2,250,000,000	2,250,000,000
Common share outstanding (in shares)		1,443,614,966	1,443,068,036
Treasury shares outstanding (in shares)		6,465,176	6,322,052
Preferred stock, authorized shares (in shares)		6,617,808	6,617,808
Preferred shares outstanding (in shares)		882,500	557,500
[1] Amounts represent loans for which Huntington has elected the fair value option. See Note 12 “ Fair Values of Assets and Liabilities ”.

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parenthetical) - USD ($) $ in Millions	Mar. 31, 2023	Dec. 31, 2022
Assets
Loans held for sale, fair value	$ 446	$ 520
Loans and leases, fair value	$ 187	$ 185
Shareholders’ Equity
Common stock, par value (in usd per share)	$ 0.01	$ 0.01

Consolidated Statements of Inco

Consolidated Statements of Income - USD ($) shares in Thousands, $ in Millions	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022
Interest and fee income:
Loans and leases	$ 1,579	$ 1,004
Available-for-sale securities
Taxable	232	90
Tax-exempt	23	17
Held-to-maturity securities—taxable	102	66
Other securities—taxable	10	5
Other	82	13
Total interest income	2,028	1,195
Interest expense:
Deposits	406	11
Short-term borrowings	60	7
Long-term debt	153	31
Total interest expense	619	49
Net interest income	1,409	1,146
Provision for credit losses	85	25
Net interest income after provision for credit losses	1,324	1,121
Service charges on deposit accounts	83	97
Card and payment processing income	93	86
Capital markets fees	59	42
Trust and investment management services	62	65
Mortgage banking income	26	49
Leasing revenue	26	35
Insurance income	34	31
Gain on sale of loans	3	28
Bank owned life insurance income	16	17
Net gains on sales of securities	1	0
Other noninterest income	109	49
Total noninterest income	512	499
Personnel costs	649	580
Outside data processing and other services	151	165
Equipment	64	81
Net occupancy	60	64
Marketing	25	21
Professional services	16	19
Deposit and other insurance expense	13	14
Amortization of intangibles	20	18
Lease financing equipment depreciation	8	14
Other noninterest expense	80	77
Total noninterest expense	1,086	1,053
Income before income taxes	750	567
Provision for income taxes	144	105
Income after income taxes	606	462
Income attributable to non-controlling interest	4	2
Net income attributable to Huntington	602	460
Dividends on preferred shares	29	28
Net income available to common shareholders, basic	$ 573	$ 432
Average common shares—basic (in shares)	1,443,268	1,438,427
Average common shares—diluted (in shares)	1,469,279	1,464,327
Per common share:
Net income—basic (in usd per share)	$ 0.40	$ 0.30
Net income—diluted (in usd per share)	$ 0.39	$ 0.29

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022
Statement of Comprehensive Income [Abstract]
Net income attributable to Huntington	$ 602	$ 460
Other comprehensive income (loss), net of tax:
Net unrealized gains (losses) on available-for-sale securities	294	(1,179)
Net impact of fair value hedges on available-for-sale securities	(140)	332
Net change related to cash flow hedges on loans	189	(240)
Change in accumulated unrealized gains for pension and other post-retirement obligations	0	2
Other comprehensive income (loss), net of tax	343	(1,085)
Comprehensive income (loss) attributable to Huntington	945	(625)
Comprehensive income attributed to non-controlling interest	4	2
Comprehensive income (loss)	$ 949	$ (623)

Consolidated Statements of Chan

Consolidated Statements of Changes in Shareholders' Equity - USD ($) $ in Millions	Total	Preferred Stock	Common Stock	Capital Surplus	Treasury Stock	AOCI	Retained Earnings	Huntington Shareholders’ Equity	Non-controlling Interest
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			1,444,040,000
Balance, beginning of period, treasury stock (in shares) at Dec. 31, 2021					(6,298,000)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	462						460	460	2
Other comprehensive income (loss), net of tax	(1,085)					(1,085)		(1,085)
Cash dividends declared:
Common	(226)						(226)	(226)
Preferred	(28)						(28)	(28)
Recognition of the fair value of share-based compensation	40			40				40
Other share-based compensation activity (in shares)			1,346,000
Other share-based compensation activity	(7)			(7)				(7)
Other (in shares)					87,000
Other	7				$ 1			1	6
Balance, end of period at Mar. 31, 2022	18,481	2,167	$ 14	15,255	$ (78)	(1,314)	2,408	18,452	29
Balance, end of period, common stock (in shares) at Mar. 31, 2022			1,445,386,000
Balance, end of period, treasury stock (in shares) at Mar. 31, 2022					(6,211,000)
Balance, beginning of period at Dec. 31, 2022	$ 17,769	2,167	$ 14	15,309	$ (80)	(3,098)	3,419	17,731	38
Balance, beginning of period, common stock (in shares) at Dec. 31, 2022	1,443,068,036		1,449,390,000
Balance, beginning of period, treasury stock (in shares) at Dec. 31, 2022	(6,322,052)				(6,322,000)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	$ 606						602	602	4
Other comprehensive income (loss), net of tax	343					343		343
Net proceeds from issuance of Series J preferred stock	317	317						317
Cash dividends declared:
Common	(228)						(228)	(228)
Preferred	(29)						(29)	(29)
Recognition of the fair value of share-based compensation	25			25				25
Other share-based compensation activity (in shares)			690,000
Other share-based compensation activity	(1)		$ 1	(2)				(1)
Other (in shares)					(143,000)
Other	9				$ (2)			(2)	11
Balance, end of period at Mar. 31, 2023	$ 18,811	$ 2,484	$ 15	$ 15,332	$ (82)	$ (2,755)	$ 3,764	$ 18,758	$ 53
Balance, end of period, common stock (in shares) at Mar. 31, 2023	1,443,614,966		1,450,080,000
Balance, end of period, treasury stock (in shares) at Mar. 31, 2023	(6,465,176)				(6,465,000)

Consolidated Statements of Ch_2

Consolidated Statements of Changes in Shareholders' Equity (Parenthetical) - $ / shares	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022
Statement of Stockholders' Equity [Abstract]
Common dividends declared (in usd per share)	$ 0.155	$ 0.155

Consolidated Statements of Cash

Consolidated Statements of Cash Flows - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022
Operating activities
Income after income taxes	$ 606	$ 462
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for credit losses	85	25
Depreciation and amortization	142	112
Share-based compensation expense	25	40
Deferred income tax expense	55	52
Net change in:
Trading account securities	1	(28)
Loans held for sale	44	461
Other assets	(348)	(171)
Other liabilities	(456)	(102)
Other, net	(24)	(2)
Net cash provided by operating activities	130	849
Investing activities
Change in interest bearing deposits in banks	(6)	388
Proceeds from:
Maturities and calls of available-for-sale securities	432	1,376
Maturities and calls of held-to-maturity securities	320	928
Maturities and calls of other securities	0	383
Sales of available-for-sale securities	435	0
Purchases of available-for-sale securities	(1,168)	(3,866)
Purchases of held-to-maturity securities	(254)	(1,460)
Purchases of other securities	(586)	(796)
Net proceeds from sales of portfolio loans and leases	89	447
Principal payments received under direct finance and sales-type leases	487	222
Net loan and lease activity, excluding sales and purchases	(2,272)	(1,691)
Purchases of premises and equipment	(25)	(73)
Purchases of loans and leases	(12)	(396)
Net accrued income and other receivables activity	92	(867)
Other, net	169	50
Net cash (used in) provided by investing activities	(2,299)	(5,355)
Financing activities
(Decrease) increase in deposits	(2,636)	3,702
Increase in short-term borrowings	5,128	557
Net proceeds from issuance of long-term debt	3,541	39
Maturity/redemption of long-term debt	(268)	(533)
Dividends paid on preferred stock	(29)	(28)
Dividends paid on common stock	(225)	(225)
Net proceeds from issuance of preferred stock	317	0
Other, net	6	(4)
Net cash provided by financing activities	5,834	3,508
Increase (decrease) in cash and cash equivalents	3,665	(998)
Cash and cash equivalents at beginning of period	6,704	5,522
Cash and cash equivalents at end of period	10,369	4,524
Supplemental disclosures:
Interest paid	562	61
Income taxes (received) paid	(59)	(18)
Non-cash activities
Loans transferred to held-for-sale from portfolio	80	356
Loans transferred to portfolio from held-for-sale	6	19
Transfer of securities from available-for-sale to held-to-maturity	$ 0	$ 4,225

BASIS OF PRESENTATION

BASIS OF PRESENTATION	3 Months Ended
	Mar. 31, 2023
Organization, Consolidation and Presentation of Financial Statements [Abstract]
BASIS OF PRESENTATION	BASIS OF PRESENTATION The accompanying Unaudited 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 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 2022 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. Effective January 1, 2023, Huntington adopted ASU 2022-02 Financial Instruments - Credit Losses (Topic 326) Troubled Debt Restructurings (TDR) and Vintage Disclosures, which removed the existing measurement and disclosure requirements for TDR loans and added additional disclosure requirements related to modifications provided to borrowers experiencing financial difficulty. Prior to adoption a change in contractual terms of a loan where a borrower was experiencing financial difficulty and received a concession not available through other sources the loans was required to be disclosed as a TDR, whereas now a borrower that is experiencing financial difficulty and receives a modification in the form of principal forgiveness, interest rate reduction, an other-than-insignificant payment delay or a term extension in the current period needs to be disclosed. Huntington may modify loans to borrowers experiencing financial difficulty as a way of managing risk and mitigating credit loss from the borrower. Huntington may make various types of modifications and may in certain circumstances use a combination of modification types in order to mitigate future loss. The amount of defined modifications given to borrowers experiencing financial difficulty is disclosed in the Notes to the Consolidated Financial Statements, along with the financial impact of those modifications. In conjunction with applicable accounting standards, all material subsequent events have been either recognized in the Unaudited Consolidated Financial Statements or disclosed in the Notes to Unaudited Consolidated Financial Statements. There were no material subsequent events to disclose for the current period.

ACCOUNTING STANDARDS UPDATE

ACCOUNTING STANDARDS UPDATE	3 Months Ended
	Mar. 31, 2023
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 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 while enhancing disclosure requirements for certain loan modifications when a borrower is experiencing financial difficulty. The ASU also requires disclosure of current period gross charge-offs by year of origination for financing receivables and net investments in leases. • Management adopted the guidance during the first quarter 2023. • The ASU has been applied prospectively, except the portion of the standard related to the recognition and measurement of TDRs where we elected to use a modified retrospective transition method. • The adoption did not result in a material impact on Huntington’s Unaudited Consolidated Financial Statements. Accounting standards yet to be adopted Standard Summary of guidance Effects on financial statements ASU 2023-02 Investments - Equity Method and Joint Ventures (Topic 323): Accounting for Investments in Tax Credit Structures Using the Proportional Amortization Method Issued: March 2023 • Permits the election of the proportional amortization method for any tax equity investment that meets specific criteria. • Requires that the election be made on a tax-credit-program-by-tax-credit-program basis. • Receipt of tax credits must be accounted for using the flow through method. • Required that a liability be recorded for delayed equity contributions. • Expands disclosure requirements for the nature of investments and financial statement effect. • Effective for fiscal years beginning after December 15, 2023, including interim periods within those fiscal years. • Early adoption is permitted in any interim period. • If adopted in an interim period, it shall be adopted as if adopted at the beginning of the fiscal year. • The amendments can be applied in retrospective or modified retrospective basis, with a cumulative effect adjustment reflected in retained earnings. • Huntington is currently evaluating the impact of the standard on its Unaudited Consolidated Financial Statements.

INVESTMENT SECURITIES AND OTHER

INVESTMENT SECURITIES AND OTHER SECURITIES	3 Months Ended
	Mar. 31, 2023
Investments, Debt and Equity Securities [Abstract]
INVESTMENT SECURITIES AND OTHER SECURITIES	INVESTMENT SECURITIES AND OTHER SECURITIES Debt securities purchased in which Huntington has the intent and ability to hold to their maturity are classified as held-to-maturity securities. All other debt and equity securities are classified as either available-for-sale or other securities. The following tables provide amortized cost, fair value, and gross unrealized gains and losses by investment category at March 31, 2023 and December 31, 2022: Unrealized (dollar amounts in millions) Amortized Cost (1)(2) Gross Gross Fair Value At March 31, 2023 Available-for-sale securities: U.S. Treasury $ 5 $ — $ — $ 5 Federal agencies: Residential CMO 3,818 1 (369) 3,450 Residential MBS 14,193 10 (1,870) 12,333 Commercial MBS 2,555 — (588) 1,967 Other agencies 184 — (8) 176 Total U.S. Treasury, federal agency, and other agency securities 20,755 11 (2,835) 17,931 Municipal securities 3,614 1 (234) 3,381 Private-label CMO 143 — (13) 130 Asset-backed securities 413 — (38) 375 Corporate debt 2,481 109 (325) 2,265 Other securities/Sovereign debt 4 — — 4 Total available-for-sale securities $ 27,410 $ 121 $ (3,445) $ 24,086 Held-to-maturity securities: Federal agencies: Residential CMO $ 5,133 $ 7 $ (634) $ 4,506 Residential MBS 10,090 1 (1,199) 8,892 Commercial MBS 1,630 — (207) 1,423 Other agencies 122 — (6) 116 Total federal agency and other agency securities 16,975 8 (2,046) 14,937 Municipal securities 2 — — 2 Total held-to-maturity securities $ 16,977 $ 8 $ (2,046) $ 14,939 Other securities, at cost: Non-marketable equity securities: Federal Home Loan Bank stock $ 748 $ — $ — $ 748 Federal Reserve Bank stock 509 — — 509 Equity securities 9 — — 9 Other securities, at fair value: Mutual funds 32 — — 32 Equity securities 1 — — 1 Total other securities $ 1,299 $ — $ — $ 1,299 (1) Amortized cost amounts exclude accrued interest receivable, which is recorded within accrued income and other receivables on the Consolidated Balance Sheet s . At March 31, 2023, accrued interest receivable on available-for-sale securities and held-to-maturity securities totaled $73 million and $39 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 $689 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 At December 31, 2022 Available-for-sale securities: U.S. Treasury $ 103 $ — $ — $ 103 Federal agencies: Residential CMO 3,336 — (422) 2,914 Residential MBS 14,349 4 (2,090) 12,263 Commercial MBS 2,565 — (612) 1,953 Other agencies 190 1 (9) 182 Total U.S. Treasury, federal agency, and other agency securities 20,543 5 (3,133) 17,415 Municipal securities 3,527 1 (238) 3,290 Private-label CMO 146 — (18) 128 Asset-backed securities 416 — (44) 372 Corporate debt 2,467 132 (385) 2,214 Other securities/Sovereign debt 4 — — 4 Total available-for-sale securities $ 27,103 $ 138 $ (3,818) $ 23,423 Held-to-maturity securities: Federal agencies: Residential CMO $ 4,970 $ 4 $ (714) $ 4,260 Residential MBS 10,295 — (1,375) 8,920 Commercial MBS 1,652 — (204) 1,448 Other agencies 133 — (9) 124 Total federal agency and other agency securities 17,050 4 (2,302) 14,752 Municipal securities 2 — — 2 Total held-to-maturity securities $ 17,052 $ 4 $ (2,302) $ 14,754 Other securities, at cost: Non-marketable equity securities: Federal Home Loan Bank stock $ 312 $ — $ — $ 312 Federal Reserve Bank stock 500 — — 500 Equity securities 10 — — 10 Other securities, at fair value: Mutual funds 31 — — 31 Equity securities 1 — — 1 Total other securities $ 854 $ — $ — $ 854 (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, 2022, accrued interest receivable on available-for-sale securities and held-to-maturity securities totaled $64 million and $39 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 $849 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. The following table provides the amortized cost and fair value of securities by contractual maturity at March 31, 2023 and December 31, 2022. Expected maturities may differ from contractual maturities as issuers may have the right to call or prepay obligations with or without incurring penalties. At March 31, 2023 At December 31, 2022 (dollar amounts in millions) Amortized Cost Fair Value Amortized Cost Fair Value Available-for-sale securities: Under 1 year $ 502 $ 494 $ 518 $ 511 After 1 year through 5 years 2,387 2,232 2,182 2,033 After 5 years through 10 years 2,913 2,666 3,106 2,814 After 10 years 21,608 18,694 21,297 18,065 Total available-for-sale securities $ 27,410 $ 24,086 $ 27,103 $ 23,423 Held-to-maturity securities: Under 1 year $ 2 $ 2 $ — $ — After 1 year through 5 years 62 60 72 68 After 5 years through 10 years 67 63 71 66 After 10 years 16,846 14,814 16,909 14,620 Total held-to-maturity securities $ 16,977 $ 14,939 $ 17,052 $ 14,754 The following tables provide detail on investment securities with unrealized losses aggregated by investment category and the length of time the individual securities have been in a continuous loss position at March 31, 2023 and December 31, 2022: Less than 12 Months Over 12 Months Total (dollar amounts in millions) Fair Gross Unrealized Fair Gross Unrealized Fair Gross Unrealized At March 31, 2023 Available-for-sale securities: Federal agencies: Residential CMO $ 1,241 $ (71) $ 1,808 $ (298) $ 3,049 $ (369) Residential MBS 555 (31) 11,285 (1,839) 11,840 (1,870) Commercial MBS 526 (77) 1,441 (511) 1,967 (588) Other agencies 22 — 71 (8) 93 (8) Total federal agency and other agency securities 2,344 (179) 14,605 (2,656) 16,949 (2,835) Municipal securities 1,019 (60) 2,212 (174) 3,231 (234) Private-label CMO 37 (3) 72 (10) 109 (13) Asset-backed securities 36 (2) 340 (36) 376 (38) Corporate debt 75 (4) 2,190 (321) 2,265 (325) Total temporarily impaired available-for-sale securities $ 3,511 $ (248) $ 19,419 $ (3,197) $ 22,930 $ (3,445) Held-to-maturity securities: Federal agencies: Residential CMO $ 254 $ (5) $ 3,830 $ (629) $ 4,084 $ (634) Residential MBS 1,456 (72) 7,341 (1,127) 8,797 (1,199) Commercial MBS 52 (2) 1,371 (205) 1,423 (207) Other agencies — — 116 (6) 116 (6) Total federal agency and other agency securities 1,762 (79) 12,658 (1,967) 14,420 (2,046) Total temporarily impaired held-to-maturity securities $ 1,762 $ (79) $ 12,658 $ (1,967) $ 14,420 $ (2,046) Less than 12 Months Over 12 Months Total (dollar amounts in millions) Fair Gross Unrealized Fair Gross Unrealized Fair Gross Unrealized At December 31, 2022 Available-for-sale securities: Federal agencies: Residential CMO $ 2,096 $ (224) $ 818 $ (198) $ 2,914 $ (422) Residential MBS 2,455 (286) 9,490 (1,804) 11,945 (2,090) Commercial MBS 1,090 (249) 863 (363) 1,953 (612) Other agencies 40 (1) 56 (8) 96 (9) Total federal agency and other agency securities 5,681 (760) 11,227 (2,373) 16,908 (3,133) Municipal securities 2,298 (174) 807 (64) 3,105 (238) Private-label CMO 64 (13) 43 (5) 107 (18) Asset-backed securities 174 (10) 199 (34) 373 (44) Corporate debt 727 (105) 1,487 (280) 2,214 (385) Total temporarily impaired available-for-sale securities $ 8,944 $ (1,062) $ 13,763 $ (2,756) $ 22,707 $ (3,818) Held-to-maturity securities: Federal agencies: Residential CMO $ 1,702 $ (238) $ 2,283 $ (476) $ 3,985 $ (714) Residential MBS 4,151 (462) 4,711 (913) 8,862 (1,375) Commercial MBS 1,201 (154) 247 (50) 1,448 (204) Other agencies 124 (9) — — 124 (9) Total federal agency and other agency securities 7,178 (863) 7,241 (1,439) 14,419 (2,302) Total temporarily impaired held-to-maturity securities $ 7,178 $ (863) $ 7,241 $ (1,439) $ 14,419 $ (2,302) At March 31, 2023 and December 31, 2022, the carrying value of investment securities pledged: (i) to secure certain uninsured deposits, trading account liabilities, U.S. Treasury demand notes, and security repurchase agreements, and (ii) to support borrowing capacity, totaled $32.2 billion and $26.9 billion, respectively. There were no securities of a single issuer, which were not governmental or government-sponsored, that exceeded 10% of shareholders’ equity at either March 31, 2023 or December 31, 2022. At March 31, 2023, all HTM debt securities are considered investment grade. In addition, there were no HTM debt securities considered past due at March 31, 2023. Based on an evaluation of available information including security type, counterparty credit quality, past events, current conditions, and reasonable and supportable forecasts that are relevant to collectability of cash flows, as of March 31, 2023, 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 March 31, 2023 or December 31, 2022.

LOANS AND LEASES

LOANS AND LEASES	3 Months Ended
	Mar. 31, 2023
Receivables [Abstract]
LOANS AND LEASES	LOANS AND LEASES The following table provides a detailed listing of Huntington’s loan and lease portfolio at March 31, 2023 and December 31, 2022. (dollar amounts in millions) At March 31, 2023 At December 31, 2022 Commercial loan and lease portfolio: Commercial and industrial $ 47,049 $ 45,127 Commercial real estate 16,377 16,634 Lease financing 5,244 5,252 Total commercial loan and lease portfolio 68,670 67,013 Consumer loan portfolio: Residential mortgage 22,472 22,226 Automobile 13,187 13,154 Home equity 10,166 10,375 RV and marine 5,404 5,376 Other consumer 1,280 1,379 Total consumer loan portfolio 52,509 52,510 Total loans and leases (1)(2) 121,179 119,523 Allowance for loan and lease losses (2,142) (2,121) Net loans and leases $ 119,037 $ 117,402 (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) premium of $(12) million and $3 million at March 31, 2023 and December 31, 2022, respectively. (2) The total amount of accrued interest recorded for these loans and leases at March 31, 2023, was $305 million and $187 million of commercial and consumer loan and lease portfolios, respectively, and at December 31, 2022, was $274 million and $186 million of commercial and consumer loan and lease portfolios, respectively. Accrued interest is presented in accrued income and other receivables within the Consolidated Balance Sheet s. Lease Financing The following table presents net investments in lease financing receivables by category at March 31, 2023 and December 31, 2022. (dollar amounts in millions) At March 31, 2023 At December 31, 2022 Lease payments receivable $ 4,928 $ 4,916 Estimated residual value of leased assets 784 788 Gross investment in lease financing receivables 5,712 5,704 Deferred origination costs 49 46 Deferred fees, unearned income and other (517) (498) Total lease financing receivables $ 5,244 $ 5,252 The carrying value of residual values guaranteed was $474 million and $466 million as of March 31, 2023 and December 31, 2022, respectively. The future lease rental payments due from customers on sales-type and direct financing leases at March 31, 2023, totaled $4.9 billion and were due as follows: $796 million in 2023, $979 million in 2024, $883 million in 2025, $842 million in 2026, $750 million in 2027, and $678 million thereafter. Interest income recognized for these types of leases was $68 million and $38 million for the three-month periods ended March 31, 2023 and 2022, respectively. Nonaccrual and Past Due Loans and Leases The following table presents NALs by class at March 31, 2023 and December 31, 2022: At March 31, 2023 At December 31, 2022 (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 $ 37 $ 273 $ 49 $ 288 Commercial real estate 37 86 63 92 Lease financing — 14 — 18 Residential mortgage — 81 — 90 Automobile — 4 — 4 Home equity — 74 — 76 RV and marine — 1 — 1 Total nonaccrual loans and leases $ 74 $ 533 $ 112 $ 569 The following tables present an aging analysis of loans and leases, by class at March 31, 2023 and December 31, 2022: At March 31, 2023 Past Due (1) Loans Accounted for Under FVO Total Loans 90 or (dollar amounts in millions) 30-59 60-89 90 or Total Current Commercial and industrial $ 37 $ 23 $ 90 $ 150 $ 46,899 $ — $ 47,049 $ 12 (2) Commercial real estate 31 42 9 82 16,295 — 16,377 — Lease financing 34 35 12 81 5,163 — 5,244 10 (3) Residential mortgage 196 61 181 438 21,848 186 22,472 134 (4) Automobile 78 16 9 103 13,084 — 13,187 7 Home equity 49 27 68 144 10,021 1 10,166 18 RV and marine 13 3 2 18 5,386 — 5,404 2 Other consumer 8 3 2 13 1,267 — 1,280 2 Total loans and leases $ 446 $ 210 $ 373 $ 1,029 $ 119,963 $ 187 $ 121,179 $ 185 At December 31, 2022 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 $ 53 $ 19 $ 108 $ 180 $ 44,947 $ — $ 45,127 $ 23 (2) Commercial real estate 2 1 9 12 16,622 — 16,634 — Lease financing 36 18 10 64 5,188 — 5,252 9 (3) Residential mortgage 246 69 199 514 21,528 184 22,226 146 (4) Automobile 88 20 11 119 13,035 — 13,154 9 Home equity 56 30 66 152 10,222 1 10,375 15 RV and marine 15 5 3 23 5,353 — 5,376 3 Other consumer 13 3 3 19 1,360 — 1,379 2 Total loans and leases $ 509 $ 165 $ 409 $ 1,083 $ 118,255 $ 185 $ 119,523 $ 207 (1) NALs are included in this aging analysis based on the loan’s past due status. (2) Amounts include 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 and Leases” to the Consolidated Financial Statements appearing in Huntington’s 2022 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. For all classes within the consumer loan portfolios, borrower credit bureau scores are monitored as an indicator of credit quality. A credit bureau score is a credit score developed by FICO based on data provided by the credit bureaus. The credit bureau score is widely accepted as the standard measure of consumer credit risk used by lenders, regulators, rating agencies, and consumers. The higher the credit bureau score, the higher likelihood of repayment and therefore, an indicator of higher credit quality. Huntington assesses the risk in the loan portfolio by utilizing numerous risk characteristics. The classifications described above, and also presented in the table below, represent one of those characteristics that are closely monitored in the overall credit risk management processes. The following tables present the amortized cost basis of loans and leases by vintage and credit quality indicator at March 31, 2023 and December 31, 2022 respectively: At March 31, 2023 Term Loans Amortized Cost Basis by Origination Year Revolver Total at Amortized Cost Basis Revolver Total Converted to Term Loans (dollar amounts in millions) 2023 2022 2021 2020 2019 Prior Total Commercial and industrial Credit Quality Indicator (1): Pass $ 5,651 $ 13,501 $ 5,680 $ 2,891 $ 1,760 $ 1,956 $ 13,043 $ 4 $ 44,486 OLEM 33 207 123 52 19 92 170 — 696 Substandard 58 341 158 199 179 356 575 — 1,866 Doubtful — — — — — 1 — — 1 Total Commercial and industrial $ 5,742 $ 14,049 $ 5,961 $ 3,142 $ 1,958 $ 2,405 $ 13,788 $ 4 $ 47,049 Commercial real estate Credit Quality Indicator (1): Pass $ 620 $ 5,544 $ 2,995 $ 1,438 $ 1,508 $ 1,750 $ 1,509 $ — $ 15,364 OLEM 5 147 46 8 34 42 — — 282 Substandard 65 147 107 39 158 213 2 — 731 Total Commercial real estate $ 690 $ 5,838 $ 3,148 $ 1,485 $ 1,700 $ 2,005 $ 1,511 $ — $ 16,377 Lease financing Credit Quality Indicator (1): Pass $ 471 $ 1,777 $ 1,176 $ 817 $ 409 $ 261 $ — $ — $ 4,911 OLEM 31 28 9 24 15 6 — — 113 Substandard 8 71 44 60 21 15 — — 219 Doubtful — — 1 — — — — — 1 Total Lease financing $ 510 $ 1,876 $ 1,230 $ 901 $ 445 $ 282 $ — $ — $ 5,244 Residential mortgage Credit Quality Indicator (2): 750+ $ 331 $ 3,774 $ 6,244 $ 3,493 $ 816 $ 2,452 $ — $ — $ 17,110 650-749 137 1,323 1,142 613 216 878 — — 4,309 <650 2 60 73 67 93 572 — — 867 Total Residential mortgage $ 470 $ 5,157 $ 7,459 $ 4,173 $ 1,125 $ 3,902 $ — $ — $ 22,286 Automobile Credit Quality Indicator (2): 750+ $ 911 $ 2,471 $ 2,021 $ 1,097 $ 655 $ 276 $ — $ — $ 7,431 650-749 422 1,850 1,333 591 308 159 — — 4,663 <650 36 351 349 169 105 83 — — 1,093 Total Automobile $ 1,369 $ 4,672 $ 3,703 $ 1,857 $ 1,068 $ 518 $ — $ — $ 13,187 Home equity Credit Quality Indicator (2): 750+ $ 96 $ 463 $ 557 $ 592 $ 21 $ 298 $ 4,562 $ 240 $ 6,829 650-749 44 122 83 65 9 121 2,097 245 2,786 <650 — 3 3 4 2 51 354 133 550 Total Home equity $ 140 $ 588 $ 643 $ 661 $ 32 $ 470 $ 7,013 $ 618 $ 10,165 RV and marine Credit Quality Indicator (2): 750+ $ 250 $ 1,080 $ 981 $ 685 $ 339 $ 733 $ — $ — $ 4,068 650-749 33 305 303 193 116 270 — — 1,220 <650 — 9 20 18 16 53 — — 116 Total RV and marine $ 283 $ 1,394 $ 1,304 $ 896 $ 471 $ 1,056 $ — $ — $ 5,404 Other consumer Credit Quality Indicator (2): 750+ $ 66 $ 111 $ 55 $ 29 $ 28 $ 60 $ 363 $ 3 $ 715 650-749 21 63 26 10 12 16 339 15 502 <650 — 5 4 2 3 2 34 13 63 Total Other consumer $ 87 $ 179 $ 85 $ 41 $ 43 $ 78 $ 736 $ 31 $ 1,280 (1) Consistent with the credit quality disclosures, indicators for the Commercial portfolio are based on internally defined categories of credit grades. (2) Consistent with the credit quality disclosures, indicators for the Consumer portfolio are based on updated customer credit scores refreshed at least quarterly. At December 31, 2022 Term Loans Amortized Cost Basis by Origination Year Revolver Total at Amortized Cost Basis Revolver Total Converted to Term Loans (dollar amounts in millions) 2022 2021 2020 2019 2018 Prior Total Commercial and industrial Credit Quality Indicator (1): Pass $ 16,480 $ 6,597 $ 3,279 $ 2,040 $ 1,068 $ 1,163 $ 12,077 $ 3 $ 42,707 OLEM 108 139 72 21 49 26 112 — 527 Substandard 364 181 189 212 141 255 550 — 1,892 Doubtful — — — — — 1 — — 1 Total Commercial and industrial $ 16,952 $ 6,917 $ 3,540 $ 2,273 $ 1,258 $ 1,445 $ 12,739 $ 3 $ 45,127 Commercial real estate Credit Quality Indicator (1): Pass $ 5,634 $ 3,260 $ 1,616 $ 1,728 $ 917 $ 1,044 $ 1,502 $ — $ 15,701 OLEM 61 53 1 43 6 9 — — 173 Substandard 235 118 105 75 85 140 2 — 760 Total Commercial real estate $ 5,930 $ 3,431 $ 1,722 $ 1,846 $ 1,008 $ 1,193 $ 1,504 $ — $ 16,634 Lease financing Credit Quality Indicator (1): Pass $ 1,930 $ 1,291 $ 952 $ 447 $ 186 $ 143 $ — $ — $ 4,949 OLEM 32 9 15 18 6 3 — — 83 Substandard 65 37 74 24 9 11 — — 220 Total Lease financing $ 2,027 $ 1,337 $ 1,041 $ 489 $ 201 $ 157 $ — $ — $ 5,252 Residential mortgage Credit Quality Indicator (2): 750+ $ 3,666 $ 6,274 $ 3,566 $ 846 $ 469 $ 2,070 $ — $ — $ 16,891 650-749 1,394 1,172 617 211 137 777 — — 4,308 <650 49 68 61 95 90 480 — — 843 Total Residential mortgage $ 5,109 $ 7,514 $ 4,244 $ 1,152 $ 696 $ 3,327 $ — $ — $ 22,042 Automobile Credit Quality Indicator (2): 750+ $ 2,770 $ 2,212 $ 1,243 $ 777 $ 289 $ 98 $ — $ — $ 7,389 650-749 1,944 1,508 683 367 162 52 — — 4,716 <650 307 352 173 115 67 35 — — 1,049 Total Automobile $ 5,021 $ 4,072 $ 2,099 $ 1,259 $ 518 $ 185 $ — $ — $ 13,154 Home equity Credit Quality Indicator (2): 750+ $ 463 $ 573 $ 611 $ 23 $ 20 $ 301 $ 4,787 $ 252 $ 7,030 650-749 131 88 68 9 8 122 2,129 261 2,816 <650 3 3 3 2 2 51 335 129 528 Total Home equity $ 597 $ 664 $ 682 $ 34 $ 30 $ 474 $ 7,251 $ 642 $ 10,374 RV and marine Credit Quality Indicator (2): 750+ $ 1,148 $ 1,031 $ 731 $ 361 $ 354 $ 438 $ — $ — $ 4,063 650-749 290 315 200 118 113 169 — — 1,205 <650 5 18 15 17 17 36 — — 108 Total RV and marine $ 1,443 $ 1,364 $ 946 $ 496 $ 484 $ 643 $ — $ — $ 5,376 Other consumer Credit Quality Indicator (2): 750+ $ 207 $ 64 $ 35 $ 34 $ 13 $ 52 $ 393 $ 3 $ 801 650-749 71 30 12 15 4 14 355 16 517 <650 3 3 2 3 1 2 33 14 61 Total Other consumer $ 281 $ 97 $ 49 $ 52 $ 18 $ 68 $ 781 $ 33 $ 1,379 (1) Consistent with the credit quality disclosures, indicators for the Commercial portfolio are based on internally defined categories of credit grades. (2) Consistent with the credit quality disclosures, indicators for the Consumer portfolio are based on updated customer credit scores refreshed at least quarterly. The following tables present the gross charge-offs of loans and leases by vintage. Term Loans Gross Charge-offs by Origination Year Revolver Gross Charge-offs Revolver Converted to Term Loans Gross Charge-offs (dollar amounts in millions) 2023 2022 2021 2020 2019 Prior Total Three Months Ended March 31, 2023 Commercial and industrial $ 1 $ 14 $ 3 $ 6 $ 4 $ — $ 4 $ — $ 32 Commercial real estate — — 19 — — — — — 19 Lease Financing — — — — — 1 — — 1 Residential mortgage — — 1 — — 1 — — 2 Automobile — 3 4 2 1 2 — — 12 Home equity — — — — — — 1 1 2 RV and marine — — 1 1 1 1 — — 4 Other consumer 1 8 5 1 1 4 — 7 27 Total $ 2 $ 25 $ 33 $ 10 $ 7 $ 9 $ 5 $ 8 $ 99 Modifications to Debtors Experiencing Financial Difficulty Effective January 1, 2023, Huntington adopted ASU 2022-02- Financial Instruments - Credit Losses (Topic 326): Troubled Debt Restructurings and Vintage Disclosures. For additional information on the adoption, refer to both Note 1 “ Basis of Presentation ” and Note 2 “ Accounting Standards Update .” Huntington will modify the contractual terms of loans to a borrower experiencing financial difficulties as a way to mitigate loss, proactively work with borrowers in financial difficulty, or to comply with regulations regarding the treatment of certain bankruptcy filing and discharge situations. A debtor is considered to be experiencing financial difficulty when there is significant doubt about the debtor’s ability to make required payments on the debt or to get equivalent financing from another creditor at a market rate for similar debt. A loan placed on nonaccrual because the borrower is experiencing financial difficulty may be returned to accrual status when all contractually due interest and principal has been paid and the borrower demonstrates the financial capacity to continue to pay as agreed, with the risk of loss diminished. Reported Modification Types Modifications in the form of principal forgiveness, an interest rate reduction, an other than insignificant payment delay or a term extension that have occurred in the current reporting period to a borrower experiencing financial difficulty are disclosed along with the financial impact of the modifications. Huntington will generally try other forms of relief before principal forgiveness but would define any contractual reduction in the amount of principal due without receiving payment or assets as forgiveness. For the purpose of the disclosure Huntington considers any contractual change in interest rate that results in the borrower receiving a below market rate to be an interest rate reduction. Many factors can go into what is considered an other than insignificant payment delay such as the significance of the restructured payment amount relative to the normal loan payment or the relative significance of the delay to the original loan terms. Generally, Huntington would consider any delay in payment of greater than 90 days in the last 12 months to be significant. For the purpose of the disclosure modification of contingent payment features or covenants that would have accelerated payment are not considered term extensions. Following is a description of what is considered a borrower experiencing financial difficulty by the different loan types: Commercial loan modifications – Our strategy involving commercial borrowers generally includes working with these borrowers to allow them time to improve their financial position and remain a Huntington customer through restructuring their notes or to restructure elsewhere if necessary. Borrowers that are rated substandard or worse in accordance with the regulatory definition, or that cannot otherwise restructure at market terms and conditions, are considered to be experiencing financial difficulty. A subsequent restructuring or modification of a loan may occur when either the loan matures according to the terms of the modified agreement, or the borrower requests a change to the loan agreements. It is subjected to the normal underwriting standards and processes for other similar credit extensions, both new and existing. The restructured note is evaluated to determine if it is considered a new loan or a continuation of the prior loan. Consumer loan modifications – Consumer loans in which a borrower requires a modification as a result of negative changes to their financial condition or to avoid default, generally indicate the borrower is experiencing financial difficulty. The primary modifications made to consumer loans are amortization, maturity date and interest rate changes. Consumer borrowers identified as experiencing financial difficulty are unable to refinance their loans through the Company’s normal origination channels or through other independent sources. Most, but not all, of the loans may be delinquent. The Company’s primary loan categories that receive modifications are residential mortgage, automobile, home equity, RV and marine, and other consumer loans. Impact on Credit Quality of Borrowers Experiencing Financial Difficulty Huntington’s ALLL is influenced by loan level characteristics that inform the assessed propensity to default. As such, the provision for credit losses is impacted primarily by changes in such loan level characteristics, such as payment performance. Commercial borrowers experiencing financial difficulty are risk rated to reflect the increase in default characteristics so that that the ALLL reflects the future risk of loss. Borrowers experiencing financial difficulty can be classified as either accrual or nonaccrual loans. The following table summarizes the amortized cost basis of loans modified during the reporting period to borrowers experiencing financial difficulty, disaggregated by class of financing receivable and type of modification. Amortized Cost (dollar amounts in millions) Interest rate reduction Term extension Combo - interest rate reduction and term extension Total % of total loan class (1) Three months ended March 31, 2023 Commercial and industrial $ 35 $ 124 $ 3 $ 162 0.34 % Commercial real estate — 48 — 48 0.29 Residential mortgage — 23 1 24 0.11 Automobile — 3 — 3 0.02 Home equity — — 3 3 0.03 RV and marine — 1 — 1 0.02 Total loans made to borrowers experiencing financial difficulty in which modifications were made $ 35 $ 199 $ 7 $ 241 (1) Represents the amortized cost of loans modified during the reporting period as a percentage of the period-end loan balance by class. The following table describes the financial effect of the modification made to borrowers experiencing financial difficulty. Interest Rate Reduction Term Extension Weighted-average contractual interest rate Weighted-average years added to the life From To Three months ended March 31, 2023 Commercial and industrial 7.60 % 6.80 % 0.9 Commercial real estate 0.6 Residential mortgage 5.36 4.14 6.3 Automobile 2.1 Home equity 8.13 5.59 16.6 RV and marine 3.1 The performance of loans made to borrowers experiencing financial difficulty in which modifications were made is closely monitored to understand the effectiveness of modification efforts. Loans are considered to be in payment default at 90 or more days past due. The following table depicts the performance of loans that have been modified during the reporting period. At March 31, 2023 Past Due (dollar amounts in millions) 30-59 60-89 90 or Total Current Total Commercial and industrial $ — $ — $ — $ — $ 162 $ 162 Commercial real estate — — — — 48 48 Residential mortgage 4 4 — 8 16 24 Automobile — — — — 3 3 Home equity — — — — 3 3 RV and marine — — — — 1 1 Total loans made to borrowers experiencing financial difficulty in which modifications were made in the three months ended March 31, 2023 $ 4 $ 4 $ — $ 8 $ 233 $ 241 TDR Loans The following provides additional disclosures previously required by ASC Subtopic 310-40, Receivables—Troubled Debt Restructurings by Creditors, related to the three months ended March 31, 2022. 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 1 “Significant Accounting Policies” and Note 5 “Loans and Leases” to the Consolidated Financial Statements appearing in Huntington’s 2022 Annual Report on Form 10-K for 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 period ended March 31, 2022. New Troubled Debt Restructurings (1) Three Months Ended March 31, 2022 Number of Post-modification Outstanding Recorded Investment (2) (dollar amounts in millions) Interest rate concession Amortization or maturity date change Chapter 7 bankruptcy Total Commercial and industrial 53 $ 11 $ 3 $ — $ 14 Commercial real estate 1 — — — — Residential mortgage 207 — 28 1 29 Automobile 625 — 4 1 5 Home equity 42 — 1 1 2 RV and marine 39 — 1 — 1 Other consumer 30 — — — — Total new TDRs 997 $ 11 $ 37 $ 3 $ 51 (1) TDRs may include multiple concessions and the disclosure classifications are based on the primary concession provided to the borrower. (2) Post-modification balances approximate pre-modification balances. Pledged Loans The Bank has access to the Federal Reserve’s discount window and advances from the FHLB. As of March 31, 2023 and December 31, 2022, these borrowings and advances are secured by $71.1 billion and $70.9 billion, respectively, of loans.

ALLOWANCE FOR CREDIT LOSSES

ALLOWANCE FOR CREDIT LOSSES	3 Months Ended
	Mar. 31, 2023
Credit Loss [Abstract]
Allowance for Credit Losses	ALLOWANCE FOR CREDIT LOSSES Allowance for Credit Losses - Roll-forward The following tables present ACL activity by portfolio segment for the three-month periods ended March 31, 2023 and 2022. (dollar amounts in millions) Commercial Consumer Total Three-month period ended March 31, 2023: ALLL balance, beginning of period $ 1,424 $ 697 $ 2,121 Loan and lease charge-offs (52) (47) (99) Recoveries of loans and leases previously charged-off 23 19 42 Provision for loan and lease losses 62 16 78 ALLL balance, end of period $ 1,457 $ 685 $ 2,142 AULC balance, beginning of period $ 71 $ 79 $ 150 Provision for unfunded lending commitments 4 3 7 AULC balance, end of period $ 75 $ 82 $ 157 ACL balance, end of period $ 1,532 $ 767 $ 2,299 (dollar amounts in millions) Commercial Consumer Total Three-month period ended March 31, 2022: ALLL balance, beginning of period $ 1,462 $ 568 $ 2,030 Loan and lease charge-offs (31) (50) (81) Recoveries of loans and leases previously charged-off 40 22 62 Provision (benefit) for loan and lease losses 43 (36) 7 ALLL balance, end of period $ 1,514 $ 504 $ 2,018 AULC balance, beginning of period $ 41 $ 36 $ 77 Provision (benefit) for unfunded lending commitments 16 (2) 14 AULC balance, end of period $ 57 $ 34 $ 91 ACL balance, end of period $ 1,571 $ 538 $ 2,109 At March 31, 2023, the ACL was $2.3 billion, an increase of $28 million compared to December 31, 2022. The commercial ACL was $1.5 billion at both March 31, 2023 and December 31, 2022. The increase of $37 million since year end was primarily attributable to C&I loan growth. The consumer ACL was $767 million, a marginal decrease of $9 million from the December 31, 2022 balance of $776 million, primarily attributable to a reduction in other consumer balances at the end of first quarter. The baseline economic scenario used in the March 31, 2023 ACL determination included the federal funds rate projected to peak at approximately 4.8% in the second quarter of 2023 as the Federal Reserve continues to address elevated inflation levels. As a result, inflation is forecast to drop from an estimated 8.0% in 2022 to 2.4% by 2024. However, unemployment is expected to gradually increase to a projected level of 4.0% by Q4 2024.

MORTGAGE LOAN SALES AND SERVICI

MORTGAGE LOAN SALES AND SERVICING RIGHTS	3 Months Ended
	Mar. 31, 2023
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 periods ended March 31, 2023 and 2022: Three Months Ended (dollar amounts in millions) 2023 2022 Residential mortgage loans sold with servicing retained $ 862 $ 1,934 Pretax gains resulting from above loan sales (1) 7 59 (1) Recorded in mortgage banking income. The following table summarizes the changes in MSRs recorded using the fair value method for the three-month periods ended March 31, 2023 and 2022: Three Months Ended (dollar amounts in millions) 2023 2022 Fair value, beginning of period $ 494 $ 351 New servicing assets created 13 29 Change in fair value during the period due to: Time decay (1) (6) (5) Payoffs (2) (4) (10) Changes in valuation inputs or assumptions (3) (12) 51 Fair value, end of period $ 485 $ 416 (1) Represents decrease in value due to passage of time, including the impact from both regularly scheduled principal payments and partial loan paydowns. (2) Represents decrease in value associated with loans that paid off during the period. (3) Represents change in value resulting primarily from market-driven changes in interest rates. MSRs do not trade in an active, open market with readily observable prices. Therefore, the fair value of MSRs is estimated using a discounted future cash flow model. Changes in the assumptions used may have a significant impact on the valuation of MSRs. MSR values are sensitive to movement in interest rates as expected future net servicing income depends on the projected outstanding principal balances of the underlying loans, which are impacted by the level of prepayments. A summary of key assumptions and the sensitivity of the MSR value to changes in these assumptions at March 31, 2023, and December 31, 2022 follows: At March 31, 2023 At December 31, 2022 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) 7.76 % $ (13) $ (26) 7.05 % $ (13) $ (25) Spread over forward interest rate swap rates 575 bps (11) (22) 578 bps (12) (22) Total servicing, late and other ancillary fees included in mortgage banking income was $24 million and $22 million for the three-month periods ended March 31, 2023 and 2022, respectively. The unpaid principal balance of residential mortgage loans serviced for third parties was $32.5 billion and $32.4 billion at March 31, 2023 and December 31, 2022, respectively.

BORROWINGS

BORROWINGS	3 Months Ended
	Mar. 31, 2023
Debt Disclosure [Abstract]
BORROWINGS	BORROWINGS Borrowings with original maturities of one year or less are classified as short-term and were comprised of the following at March 31, 2023 and December 31, 2022, respectively: (dollar amounts in millions) At March 31, 2023 At December 31, 2022 Federal funds purchased and securities sold under agreements to repurchase $ 403 $ 253 FHLB advances 6,450 1,700 Other borrowings 45 74 Total short-term borrowings $ 6,898 $ 2,027 Huntington’s long-term debt consisted of the following at March 31, 2023 and December 31, 2022, respectively: (dollar amounts in millions) At March 31, 2023 At December 31, 2022 The Parent Company: Senior Notes $ 3,057 $ 3,005 Subordinated Notes 768 975 Total notes issued by the parent 3,825 3,980 The Bank: Senior Notes 4,309 4,272 Subordinated Notes 659 651 Total notes issued by the bank 4,968 4,923 FHLB Advances 3,709 211 Other 570 572 Total long-term debt $ 13,072 $ 9,686

OTHER COMPREHENSIVE INCOME

OTHER COMPREHENSIVE INCOME	3 Months Ended
	Mar. 31, 2023
Equity [Abstract]
OTHER COMPREHENSIVE INCOME	OTHER COMPREHENSIVE INCOME The components of Huntington’s OCI for the three-month periods ended March 31, 2023 and 2022, were as follows: (dollar amounts in millions) Pretax Tax (expense) benefit After-tax Three Months Ended March 31, 2023 Unrealized gains (losses) on available-for-sale securities arising during the period $ 379 $ (87) $ 292 Reclassification adjustment for realized net losses included in net income 3 (1) 2 Total unrealized gains (losses) on available-for-sale securities 382 (88) 294 Net impact of fair value hedges on available-for-sale securities (182) 42 (140) Unrealized gains (losses) on cash flow hedges during the period 231 (53) 178 Reclassification adjustment for cash flow hedges included in net income 12 (1) 11 Net change related to cash flow hedges on loans 243 (54) 189 Other comprehensive income (loss) $ 443 $ (100) $ 343 Three Months Ended March 31, 2022 Unrealized gains (losses) on available-for-sale securities arising during the period $ (1,540) $ 354 $ (1,186) Reclassification adjustment for realized net losses included in net income 9 (2) 7 Total unrealized gains (losses) on available-for-sale securities (1,531) 352 (1,179) Net impact of fair value hedges on available-for-sale securities 431 (99) 332 Net change related to cash flow hedges on loans (310) 70 (240) Foreign currency translation adjustment (1) 2 — 2 Net unrealized gains (losses) on net investment hedges (2) — (2) Translation adjustments, net of hedges (1) — — — Change in accumulated unrealized gains for pension and other post-retirement obligations 3 (1) 2 Other comprehensive income (loss) $ (1,407) $ 322 $ (1,085) (1) Foreign investments are deemed to be permanent in nature and, therefore, Huntington does not provide for taxes on foreign currency translation adjustments. Activity in accumulated OCI for the three-month periods ended March 31, 2023 and 2022, 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 Net change related to cash flow hedges on loans Translation adjustments, net of hedges Unrealized gains (losses) for pension and other post- retirement obligations Total Three Months Ended March 31, 2023 Balance, beginning of period $ (3,002) $ 754 $ (632) $ (8) $ (210) $ (3,098) Other comprehensive income (loss) before reclassifications 292 (140) 178 — — 330 Amounts reclassified from accumulated OCI to earnings 2 — 11 — — 13 Period change 294 (140) 189 — — 343 Balance, end of period $ (2,708) $ 614 $ (443) $ (8) $ (210) $ (2,755) Three Months Ended March 31, 2022 Balance, beginning of period $ (153) $ 89 $ 63 $ (3) $ (225) $ (229) Other comprehensive income (loss) before reclassifications (1,186) 332 (240) — — (1,094) Amounts reclassified from accumulated OCI to earnings 7 — — — 2 9 Period change (1,179) 332 (240) — 2 (1,085) Balance, end of period $ (1,332) $ 421 $ (177) $ (3) $ (223) $ (1,314) (1) AOCI amounts at March 31, 2023 and March 31, 2022 include $64 million and $78 million, respectively, of net unrealized losses (after-tax) on securities transferred from the available-for-sale securities portfolio to the held-to-maturity securities portfolio. The net unrealized losses will be recognized in earnings over the remaining life of the security using the effective interest method.

SHAREHOLDERS' EQUITY

SHAREHOLDERS' EQUITY	3 Months Ended
	Mar. 31, 2023
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) At March 31, 2023 At December 31, 2022 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 Series J (2) 3/6/2023 325,000 6.875 4/15/2028 317 — Total 882,500 $ 2,484 $ 2,167 (1) Redeemable at Huntington’s option on the date stated or on a quarterly basis thereafter. Earlier redemption is solely at Huntington’s option, subject to any required prior approval of Federal Reserve. (2) Series B, H, and J 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 $25,000, plus any declared and unpaid dividends. The following table presents the dividends declared for each series of Preferred shares for the three-month periods ended March 31, 2023 and 2022: Three Months Ended March 31, (amounts in millions, except per share data) 2023 2022 Cash Dividend Declared Per Share Cash Dividend Declared Per Share Preferred Series Amount ($) Amount ($) Series B $ 18.82 $ (1) $ 9.36 $ — Series E 1,425.00 (7) 1,425.00 (7) Series F 1,406.25 (7) 1,406.25 (7) Series G 1,112.50 (6) 1,112.50 (6) Series H 11.25 (6) 11.25 (6) Series I 356.25 (2) 356.25 (2) Series J (1) — — — — Total $ (29) $ (28) (1) First dividend declaration for Series J begins in second quarter 2023.

EARNINGS PER SHARE

EARNINGS PER SHARE	3 Months Ended
	Mar. 31, 2023
Earnings Per Share [Abstract]
EARNINGS PER SHARE	EARNINGS PER SHARE Basic earnings per share is the amount of earnings (adjusted for dividends declared on preferred stock) available to each share of common stock outstanding during the reporting period. Diluted earnings per share is the amount of earnings available to each share of common stock outstanding during the reporting period adjusted to include the effect of potentially dilutive common shares. Potentially dilutive common shares include incremental shares issued for stock options, restricted stock units and awards, and distributions from deferred compensation plans. Potentially dilutive common shares are excluded from the computation of diluted earnings per share in periods in which the effect would be antidilutive. The calculation of basic and diluted earnings per share for the three-month periods ended March 31, 2023 and 2022 was as follows: Three Months Ended March 31, (dollar amounts in millions, except per share data, share count in thousands) 2023 2022 Basic earnings per common share: Net income attributable to Huntington $ 602 $ 460 Preferred stock dividends 29 28 Net income available to common shareholders $ 573 $ 432 Average common shares issued and outstanding 1,443,268 1,438,427 Basic earnings per common share $ 0.40 $ 0.30 Diluted earnings per common share: Dilutive potential common shares: Stock options and restricted stock units and awards 19,613 19,629 Shares held in deferred compensation plans 6,398 6,271 Dilutive potential common shares 26,011 25,900 Total diluted average common shares issued and outstanding 1,469,279 1,464,327 Diluted earnings per common share $ 0.39 $ 0.29 Anti-dilutive awards (1) 9,344 2,148 (1) Reflects the total number of shares related to outstanding options that have been excluded from the computation of diluted earnings per share because the impact would have been anti-dilutive.

NONINTEREST INCOME

NONINTEREST INCOME	3 Months Ended
	Mar. 31, 2023
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 Consolidated Financial Statements. The following table shows Huntington’s total noninterest income segregated between contracts with customers within the scope of ASC 606 and those within the scope of other GAAP Topics. (dollar amounts in millions) Three Months Ended March 31, Noninterest income 2023 2022 Noninterest income from contracts with customers $ 377 $ 308 Noninterest income within the scope of other GAAP topics 135 191 Total noninterest income $ 512 $ 499 The following table illustrates the disaggregation by operating segment and major revenue stream and reconciles disaggregated revenue to segment revenue presented in Note 16 “ Segment Reporting ”. Three Months Ended March 31, 2023 (dollar amounts in millions) Commercial Banking Consumer & Business Banking Vehicle Finance RBHPCG Treasury / Other Huntington Consolidated Major Revenue Streams Service charges on deposit accounts $ 19 $ 61 $ 2 $ 1 $ — $ 83 Card and payment processing income 6 80 — — — 86 Trust and investment management services — 17 — 45 — 62 Insurance income 2 19 — 13 — 34 Capital markets fees 26 2 1 — — 29 Other noninterest income 20 7 — 56 — 83 Net revenue from contracts with customers $ 73 $ 186 $ 3 $ 115 $ — $ 377 Noninterest income within the scope of other GAAP topics 84 37 — 2 12 135 Total noninterest income $ 157 $ 223 $ 3 $ 117 $ 12 $ 512 Three Months Ended March 31, 2022 (dollar amounts in millions) Commercial Banking Consumer & Business Banking Vehicle Finance RBHPCG Treasury / Other Huntington Consolidated Major Revenue Streams Service charges on deposit accounts $ 23 $ 71 $ 2 $ 1 $ — $ 97 Card and payment processing income 6 74 — — — 80 Trust and investment management services — 18 — 47 — 65 Insurance income 2 12 — 16 1 31 Capital markets fees 4 2 — — — 6 Other noninterest income 21 6 — 1 1 29 Net revenue from contracts with customers $ 56 $ 183 $ 2 $ 65 $ 2 $ 308 Noninterest income within the scope of other GAAP topics 85 89 1 1 15 191 Total noninterest income $ 141 $ 272 $ 3 $ 66 $ 17 $ 499

FAIR VALUES OF ASSETS AND LIABI

FAIR VALUES OF ASSETS AND LIABILITIES	3 Months Ended
	Mar. 31, 2023
Fair Value Disclosures [Abstract]
FAIR VALUES OF ASSETS AND LIABILITIES	FAIR VALUES OF ASSETS AND LIABILITIES See Note 19 “Fair Value of Assets and Liabilities” to the Consolidated Financial Statements appearing in Huntington’s 2022 Annual Report on Form 10-K for a description of the valuation methodologies used for instruments measured at fair value. Assets and liabilities measured at fair value rarely transfer between Level 1 and Level 2 measurements. There were no such transfers during the three-month periods ended March 31, 2023 and 2022. Assets and Liabilities measured at fair value on a recurring basis Fair Value Measurements at Reporting Date Using Netting Adjustments (1) At March 31, 2023 (dollar amounts in millions) Level 1 Level 2 Level 3 Assets Trading account securities: Municipal securities $ — $ 18 $ — $ — $ 18 Available-for-sale securities: U.S. Treasury securities 5 — — — 5 Residential CMO — 3,450 — — 3,450 Residential MBS — 12,333 — — 12,333 Commercial MBS — 1,967 — — 1,967 Other agencies — 176 — — 176 Municipal securities — 42 3,339 — 3,381 Private-label CMO — 110 20 — 130 Asset-backed securities — 301 74 — 375 Corporate debt — 2,265 — — 2,265 Other securities/sovereign debt — 4 — — 4 Total available-for-sale securities 5 20,648 3,433 — 24,086 Other securities 32 1 — — 33 Loans held for sale — 446 — — 446 Loans held for investment — 172 15 — 187 MSRs — — 485 — 485 Other assets: Derivative assets — 1,984 6 (1,564) 426 Assets held in trust for deferred compensation plans 164 — — — 164 Liabilities Derivative liabilities — 1,595 3 (861) 737 Fair Value Measurements at Reporting Date Using Netting Adjustments (1) At December 31, 2022 (dollar amounts in millions) Level 1 Level 2 Level 3 Assets Trading account securities: Municipal securities $ — $ 19 $ — $ — $ 19 Available-for-sale securities: U.S. Treasury securities 103 — — — 103 Residential CMOs — 2,914 — — 2,914 Residential MBS — 12,263 — — 12,263 Commercial MBS — 1,953 — — 1,953 Other agencies — 182 — — 182 Municipal securities — 42 3,248 — 3,290 Private-label CMO — 108 20 — 128 Asset-backed securities — 298 74 — 372 Corporate debt — 2,214 — — 2,214 Other securities/sovereign debt — 4 — — 4 Total available-for-sale securities 103 19,978 3,342 — 23,423 Other securities 31 1 — — 32 Loans held for sale — 520 — — 520 Loans held for investment — 169 16 — 185 MSRs — — 494 — 494 Other assets: Derivative assets — 2,161 3 (1,808) 356 Assets held in trust for deferred compensation plans 155 — — — 155 Liabilities Derivative liabilities — 2,332 5 (1,345) 992 (1) Amounts represent the impact of legally enforceable master netting agreements that allow the Company to settle positive and negative positions and cash collateral held or placed with the same counterparties. The following tables present a rollforward of the balance sheet amounts measured at fair value on a recurring basis and classified as Level 3. The classification of an item as Level 3 is based on the significance of the unobservable inputs to the overall fair value measurement. However, Level 3 measurements may also include observable components of value that can be validated externally. Accordingly, the gains and losses in the table below include changes in fair value due in part to observable factors that are part of the valuation methodology. Level 3 Fair Value Measurements Available-for-sale securities Loans held for investment (dollar amounts in millions) MSRs Derivative instruments Municipal securities Private- Asset-backed securities Three Months Ended March 31, 2023 Opening balance $ 494 $ (2) $ 3,248 $ 20 $ 74 $ 16 Transfers out of Level 3 (1) — (2) — — — — Total gains/losses for the period: Included in earnings: Mortgage banking income (12) 7 — — — — Interest and fee income — — — (1) — — Included in OCI — — 3 — — — Purchases/originations 13 — 177 — — — Repayments — — — — — (1) Settlements (10) — (89) 1 — — Closing balance $ 485 $ 3 $ 3,339 $ 20 $ 74 $ 15 Change in unrealized gains or losses for the period included in earnings for assets held at end of the reporting date $ (12) $ 5 $ — $ — $ — $ — Change in unrealized gains or losses for the period included in other comprehensive income for assets held at the end of the reporting period — — 3 — — — Three Months Ended March 31, 2022 Opening balance $ 351 $ 4 $ 3,477 $ 20 $ 70 $ 19 Transfers out of Level 3 (1) — (7) — — — — Total gains/losses for the period: Included in earnings: Mortgage banking income 51 (7) — — — — Interest and fee income — — (2) (1) — — Provision for credit losses — — (4) — — — Included in OCI — — (120) — (1) — Purchases/originations 29 — 172 — — — Repayments — — — — — (1) Settlements (15) — (241) — (7) — Closing balance $ 416 $ (10) $ 3,282 $ 19 $ 62 $ 18 Change in unrealized gains or losses for the period included in earnings for assets held at end of the reporting date $ 51 $ (16) $ — $ — $ — $ — Change in unrealized gains or losses for the period included in other comprehensive income for assets held at the end of the reporting period — — (118) — (1) — (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 table presents the fair value and aggregate principal balance of certain assets and liabilities under the fair value option: Total Loans Loans that are 90 or more days past due (dollar amounts in millions) Fair value Aggregate Difference Fair value Aggregate Difference At March 31, 2023 Loans held for sale $ 446 $ 439 $ 7 $ — $ — $ — Loans held for investment 187 192 (5) 3 3 — At December 31, 2022 Loans held for sale $ 520 $ 513 $ 7 $ — $ — $ — Loans held for investment 185 190 (5) 11 11 — The following table presents the net gains (losses) from fair value changes. Three Months Ended March 31, (dollar amounts in millions) 2023 2022 Loans held for sale (1) $ — $ (44) Loans held for investment — 1 (1) The net gains (losses) from fair value changes are included in Mortgage banking income on the Unaudited 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 Losses Three Months Ended March 31, (dollar amounts in millions) At March 31, 2023 At December 31, 2022 2023 2022 Collateral-dependent loans $ 30 $ 16 $ (6) $ (1) Huntington records nonrecurring adjustments of collateral-dependent loans held for investment. Such amounts are generally based on the fair value of the underlying collateral supporting the loan. Appraisals are generally obtained to support the fair value of the collateral and incorporate measures such as recent sales prices for comparable properties and cost of construction. Periodically, in cases where the carrying value exceeds the fair value of the collateral less cost to sell, an impairment charge is recognized in the form of a charge-off. Significant unobservable inputs for assets and liabilities measured at fair value on a recurring and nonrecurring basis The table below presents quantitative information about the significant unobservable inputs for assets and liabilities measured at fair value on a recurring and nonrecurring basis: Quantitative Information about Level 3 Fair Value Measurements At March 31, 2023 (1) At December 31, 2022 (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 % - 27% 8 % 5 % - 40% 7 % Spread over forward interest rate swap rates 5 % - 13% 6 % 5 % - 13% 6 % Municipal securities and asset-backed securities Discounted cash flow Discount rate 4 % - 5% 5 % 5 % - 5% 5 % Cumulative default — % - 64% 8 % — % - 64% 7 % Loss given default 20 % - 20% 20 % 20 % - 20% 20 % (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. Fair values of financial instruments 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. The short-term nature of certain assets and liabilities result in their carrying value approximating fair value. These include trading account securities, customers’ acceptance liabilities, short-term borrowings, bank acceptances outstanding, FHLB advances, and cash and short-term assets, which include cash and due from banks, interest-bearing deposits in banks, interest-bearing deposits at Federal Reserve Bank, and federal funds sold. 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 in following tables. Accordingly, this fair value information is not intended to, and does not, represent Huntington’s underlying value. 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 At March 31, 2023 Financial Assets Cash and short-term assets $ 10,572 $ — $ — $ 10,572 $ 10,572 Trading account securities — — 18 18 18 Available-for-sale securities — — 24,086 24,086 24,086 Held-to-maturity securities 16,977 — — 16,977 14,939 Other securities 1,266 — 33 1,299 1,299 Loans held for sale — 11 446 457 457 Net loans and leases (1) 118,850 — 187 119,037 115,020 Derivative assets — — 426 426 426 Assets held in trust for deferred compensation plans — — 164 164 164 Financial Liabilities Deposits 145,278 — — 145,278 145,179 Short-term borrowings 6,898 — — 6,898 6,898 Long-term debt 13,072 — — 13,072 12,591 Derivative liabilities — — 737 737 737 At December 31, 2022 Financial Assets Cash and short-term assets $ 6,918 $ — $ — $ 6,918 $ 6,918 Trading account securities — — 19 19 19 Available-for-sale securities — — 23,423 23,423 23,423 Held-to-maturity securities 17,052 — — 17,052 14,754 Other securities 822 — 32 854 854 Loans held for sale — 9 520 529 529 Net loans and leases (1) 117,217 — 185 117,402 112,591 Derivative assets — — 356 356 356 Assets held in trust for deferred compensation plans — — 155 155 155 Financial Liabilities Deposits 147,914 — — 147,914 147,796 Short-term borrowings 2,027 — — 2,027 2,027 Long-term debt 9,686 — — 9,686 9,564 Derivative liabilities — — 992 992 992 (1) Includes collateral-dependent loans. The following table presents the level in the fair value hierarchy for the estimated fair values at March 31, 2023 and December 31, 2022: Estimated Fair Value Measurements at Reporting Date Using Netting Adjustments (1) Presented Balance (dollar amounts in millions) Level 1 Level 2 Level 3 At March 31, 2023 Financial Assets Trading account securities $ — $ 18 $ — $ 18 Available-for-sale securities 5 20,648 3,433 24,086 Held-to-maturity securities — 14,939 — 14,939 Other securities (2) 32 1 — 33 Loans held for sale — 446 11 457 Net loans and leases — 172 114,848 115,020 Derivative assets — 1,984 6 $ (1,564) 426 Financial Liabilities Deposits — 136,712 8,467 145,179 Short-term borrowings — 6,898 — 6,898 Long-term debt — 8,205 4,386 12,591 Derivative liabilities — 1,595 3 (861) 737 At December 31, 2022 Financial Assets Trading account securities $ — $ 19 $ — $ 19 Available-for-sale securities 103 19,978 3,342 23,423 Held-to-maturity securities — 14,754 — 14,754 Other securities (2) 31 1 — 32 Loans held for sale — 520 9 529 Net loans and leases — 169 112,422 112,591 Derivative assets — 2,161 3 $ (1,808) 356 Financial Liabilities Deposits — 142,081 5,715 147,796 Short-term borrowings — 2,027 — 2,027 Long-term debt — 8,680 884 9,564 Derivative liabilities — 2,332 5 (1,345) 992 (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 INSTRUMENT

DERIVATIVE FINANCIAL INSTRUMENTS	3 Months Ended
	Mar. 31, 2023
Derivative Instruments and Hedging Activities Disclosure [Abstract]
DERIVATIVE FINANCIAL INSTRUMENTS	DERIVATIVE FINANCIAL INSTRUMENTS Derivative financial instruments are recorded in the Unaudited 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 Consolidated Balance Sheets at March 31, 2023 and December 31, 2022. Amounts in the table below are presented gross without the impact of any net collateral arrangements. At March 31, 2023 At December 31, 2022 (dollar amounts in millions) Notional Value Asset Liability Notional Value Asset Liability Derivatives designated as Hedging Instruments Interest rate contracts $ 42,515 $ 1,037 $ 616 $ 42,461 $ 1,008 $ 1,145 Foreign exchange contracts 204 4 — 202 2 — Derivatives not designated as Hedging Instruments Interest rate contracts 40,809 773 790 37,562 968 1,008 Foreign exchange contracts 5,621 65 68 4,889 68 68 Commodities contracts 852 111 108 762 114 113 Equity contracts 678 — 16 636 4 3 Total Contracts $ 90,679 $ 1,990 $ 1,598 $ 86,512 $ 2,164 $ 2,337 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 Consolidated Income Statement for the three-month periods ended March 31, 2023 and 2022, respectively. Location of Gain or (Loss) Recognized in Income on Derivative Amount of Gain or (Loss) Recognized in Income on Derivative Three Months Ended (dollar amounts in millions) 2023 2022 Interest rate contracts: Customer Capital markets fees $ 7 $ 10 Mortgage banking Mortgage banking income 9 (47) Interest rate swaptions Other noninterest income (1) — Foreign exchange contracts Capital markets fees 12 10 Commodities contracts Capital markets fees 2 1 Equity contracts Other noninterest expense (1) 1 Total $ 28 $ (25) Derivatives used in asset and liability management activities Huntington engages in balance sheet hedging activity, principally for asset and liability management purposes. Balance sheet hedging activity is generally arranged to receive hedge accounting treatment that can be classified as either fair value or cash flow hedges. Fair value hedges are executed to hedge changes in fair value of outstanding fixed-rate debt and investment securities caused by fluctuations in market interest rates. Cash flow hedges are executed to modify interest rate characteristics of designated commercial loans in order to reduce the impact of changes in future cash flows due to market interest rate changes. The following table presents the gross notional values of derivatives used in Huntington’s asset and liability management activities at March 31, 2023 and December 31, 2022, identified by the underlying interest rate-sensitive instruments. (dollar amounts in millions) Fair Value Hedges Cash Flow Hedges Economic Hedges Total At March 31, 2023 Instruments associated with: Investment securities $ 11,961 $ — $ 1,500 $ 13,461 Loans — 22,825 175 23,000 Long-term debt 7,729 — — 7,729 Total notional value $ 19,690 $ 22,825 $ 1,675 $ 44,190 At December 31, 2022 Instruments associated with: Investment securities $ 10,407 $ — $ — $ 10,407 Loans — 24,325 175 24,500 Long-term debt 7,729 — — 7,729 Total notional value $ 18,136 $ 24,325 $ 175 $ 42,636 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 a decrease to net interest income of $52 million and an increase of $39 million for the three-month periods ended March 31, 2023, and 2022, 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 $11.1 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 Consolidated Statements of Financial Condition. Huntington has also designated $869 million of interest rate swaps as fair value hedges of fixed-rate corporate bonds. The following table presents the change in fair value for derivatives designated as fair value hedges as well as the offsetting change in fair value on the hedged item for the three-month periods ended March 31, 2023 and 2022. Three Months Ended (dollar amounts in millions) 2023 2022 Interest rate contracts Change in fair value of interest rate swaps hedging investment securities (1) $ (182) $ 418 Change in fair value of hedged investment securities (1) 181 (430) Change in fair value of interest rate swaps hedging long-term debt (2) 116 (98) Change in fair value of hedged long term debt (2) (116) 98 (1) Recognized in Interest income—available-for-sale securities—taxable in the Unaudited Consolidated Statements of Income . (2) Recognized in Interest expense—long-term debt in the Unaudited Consolidated Statements of Income . As of March 31, 2023 and December 31, 2022, 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) At March 31, 2023 At December 31, 2022 At March 31, 2023 At December 31, 2022 Assets Investment securities (1) $ 19,619 $ 18,029 $ (798) $ (979) Liabilities Long-term debt (2) 7,293 7,175 (140) (256) (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 March 31, 2023, the amortized cost basis of the closed portfolios used in these hedging relationships was $18.8 billion, the cumulative basis adjustments associated with these hedging relationships was $689 million, and the amounts of the designated hedging instruments were $11.1 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 $(70) million at March 31, 2023 and $(70) million at December 31, 2022. Cash Flow Hedges At March 31, 2023, Huntington has $22.8 billion of interest rate swaps, swaption collars, and floors. 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 and floor contracts represents the time value of the contracts and is not included in the measurement of hedge effectiveness. Any change in fair value related to time value is recognized in OCI. The initial premium paid is amortized on a straight line basis as a reduction to interest income over the contractual life of these contracts. At March 31, 2023, the net losses recognized in AOCI that are expected to be reclassified into earnings within the next 12 months were $181 million. 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 position of these derivatives at March 31, 2023 and December 31, 2022 were a net asset of $4 million and a net liability of $3 million, respectively. At March 31, 2023 and December 31, 2022, Huntington had commitments to sell residential real estate loans of $1.1 billion and $766 million, 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 Balance Sheets. Trading gains (losses) are included in mortgage banking income in the Unaudited 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 tables: (dollar amounts in millions) At March 31, 2023 At December 31, 2022 Notional value $ 1,135 $ 1,120 Trading assets 5 4 Trading liabilities (64) (78) Three Months Ended (dollar amounts in millions) 2023 2022 Trading gains (losses) $ 9 $ (47) Derivatives used in customer related activities Various derivative financial instruments are offered to enable customers to meet their financing and investing objectives and for their risk management purposes. Derivative financial instruments used in trading activities consist of commodity, interest rate, and foreign exchange contracts. Huntington enters into offsetting third-party contracts with approved, reputable counterparties with substantially matching terms and currencies in order to economically hedge significant exposure related to derivatives used in trading activities. The interest rate or price risk of customer derivatives is mitigated by entering into similar derivatives having offsetting terms with other counterparties. The credit risk to these customers is evaluated and included in the calculation of fair value. Foreign currency derivatives help the customer hedge risk and reduce exposure to fluctuations in exchange rates. Transactions are primarily in liquid currencies with Canadian dollars and Euros comprising a majority of all transactions. Commodity derivatives help the customer hedge risk and reduce exposure to fluctuations in the price of various commodities. Hedging of energy-related products and base metals comprise the majority of these transactions. The net fair values of these derivative financial instruments, for which the gross amounts are included in other assets or other liabilities at both March 31, 2023 and December 31, 2022, were $61 million and $59 million, respectively. The total notional values of derivative financial instruments used by Huntington on behalf of customers, including offsetting derivatives, were $42.7 billion and $40.7 billion at March 31, 2023 and December 31, 2022, respectively. Huntington’s credit risk from customer derivatives was $139 million and $118 million at the same dates, respectively. Financial assets and liabilities that are offset in the Unaudited Consolidated Balance Sheets Huntington records derivatives at fair value as further described in Note 12 “ Fair Values of Assets and Liabilities ”. Derivative balances are presented on a net basis taking into consideration the effects of legally enforceable master netting agreements. Additionally, collateral exchanged with counterparties is also netted against the applicable derivative fair values. Huntington enters into derivative transactions with two primary groups: broker-dealers and banks, and Huntington’s customers. Different methods are utilized for managing counterparty credit exposure and credit risk for each of these groups. Huntington enters into transactions with broker-dealers and banks for various risk management purposes. These types of transactions generally are high dollar volume. Huntington enters into collateral and master netting agreements with these counterparties, and routinely exchanges cash and high quality securities collateral. Huntington enters into transactions with customers to meet their financing, investing, payment and risk management needs. These types of transactions generally are low dollar volume. Huntington enters into master netting agreements with customer counterparties; however, collateral is generally not exchanged with customer counterparties. In addition to the customer derivative credit exposure, aggregate credit risk associated with broker-dealer and bank derivative transactions was net credit risk of $272 million and $227 million at March 31, 2023 and December 31, 2022, 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 March 31, 2023, Huntington pledged $237 million of investment securities and cash collateral to counterparties, while other counterparties pledged $951 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 Consolidated Balance Sheets at March 31, 2023 and December 31, 2022. 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 At March 31, 2023 $ 1,990 $ (1,564) $ 426 $ (66) $ (20) $ 340 At December 31, 2022 2,164 (1,808) 356 (7) (56) 293 Offsetting of Financial Liabilities and Derivative Liabilities Gross amounts Net amounts of Gross amounts not offset in the (dollar amounts in millions) Gross amounts of recognized liabilities Financial instruments Cash collateral delivered Net amount At March 31, 2023 $ 1,598 $ (861) $ 737 $ — $ (92) $ 645 At December 31, 2022 2,337 (1,345) 992 (79) (118) 795

Variable Interest Entities

Variable Interest Entities	3 Months Ended
	Mar. 31, 2023
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Variable Interest Entities	Variable Interest Entities Unconsolidated VIEs The following tables provide a summary of the assets and liabilities included in Huntington’s Unaudited Consolidated Financial Statements, as well as the maximum exposure to losses, associated with its interests related to unconsolidated VIEs for which Huntington holds an interest in, but is not the primary beneficiary, of the VIE at March 31, 2023, and December 31, 2022: At March 31, 2023 (dollar amounts in millions) Total Assets Total Liabilities Maximum Exposure to Loss Affordable Housing Tax Credit Partnerships $ 2,141 $ 1,326 $ 2,141 Trust Preferred Securities 14 248 — Other Investments 557 144 557 Total $ 2,712 $ 1,718 $ 2,698 At December 31, 2022 (dollar amounts in millions) Total Assets Total Liabilities Maximum Exposure to Loss Affordable Housing Tax Credit Partnerships $ 2,036 $ 1,260 $ 2,036 Trust Preferred Securities 14 248 — Other Investments 522 141 522 Total $ 2,572 $ 1,649 $ 2,558 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 Consolidated Statements of Income. The following table presents the balances of Huntington’s affordable housing tax credit investments and related unfunded commitments at March 31, 2023 and December 31, 2022. (dollar amounts in millions) At March 31, 2023 At December 31, 2022 Affordable housing tax credit investments $ 3,050 $ 2,891 Less: amortization (909) (855) Net affordable housing tax credit investments $ 2,141 $ 2,036 Unfunded commitments $ 1,326 $ 1,260 The following table presents other information relating to Huntington’s affordable housing tax credit investments for the three-month periods ended March 31, 2023 and 2022. Three Months Ended (dollar amounts in millions) 2023 2022 Tax credits and other tax benefits recognized $ 66 $ 53 Proportional amortization expense included in provision for income taxes 54 41 There were no sales of affordable housing tax credit investments during the three-month periods ended March 31, 2023 and 2022. There was no impairment recognized for the three-month periods ended March 31, 2023 and 2022. Trust-Preferred Securities Huntington has certain wholly-owned trusts whose assets, liabilities, equity, income, and expenses are not included within Huntington’s Unaudited 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 Consolidated Balance Sheet as long-term debt. See Note 11 “Borrowings” to the Consolidated Financial Statements appearing in Huntington’s 2022 Annual Report on Form 10-K for the outstanding amount of debentures issued to each trust and corresponding trust securities as of December 31, 2022. The trust securities are the obligations of the trusts, and as such, are not consolidated within Huntington’s Unaudited Consolidated Financial Statements. Other investments Other investments determined to be VIE’s include investments in Small Business Investment Companies, Historic Tax Credit Investments, certain equity method investments, renewable energy financings, and other miscellaneous investments.

COMMITMENTS AND CONTINGENT LIAB

COMMITMENTS AND CONTINGENT LIABILITIES	3 Months Ended
	Mar. 31, 2023
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 Consolidated Financial Statements. The contract amounts of these financial agreements at March 31, 2023 and December 31, 2022, were as follows: (dollar amounts in millions) At March 31, 2023 At December 31, 2022 Contract amount representing credit risk Commitments to extend credit: Commercial $ 32,634 $ 32,500 Consumer 19,482 19,064 Commercial real estate 3,199 3,393 Standby letters of credit and guarantees on industrial revenue bonds 696 714 Commercial letters of credit 51 15 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 $29 million and $27 million at March 31, 2023 and December 31, 2022, respectively. Commercial letters-of-credit represent short-term, self-liquidating instruments that facilitate customer trade transactions and generally have maturities of no longer than 90 days. The goods or cargo being traded normally secure these instruments. Litigation and Regulatory Matters In the ordinary course of business, Huntington is routinely a defendant in or party to pending and threatened legal and regulatory actions and proceedings. In view of the inherent difficulty of predicting the outcome of such matters, particularly where the claimants seek very large or indeterminate damages or where the matters present novel legal theories or involve a large number of parties, Huntington generally cannot predict what the eventual outcome of the pending matters will be, what the timing of the ultimate resolution of these matters will be, or what the eventual loss, fines or penalties related to each matter may be. Huntington establishes an accrued liability when those matters present loss contingencies that are both probable and estimable. In such cases, there may be an exposure to loss in excess of any amounts accrued. Huntington thereafter continues to monitor the matter for further developments that could affect the amount of the accrued liability that has been previously established. For certain matters, Huntington is able to estimate a range of possible loss. In cases in which Huntington possesses information to estimate a range of possible loss, that estimate is aggregated and disclosed below. There may be other matters for which a loss is probable or reasonably possible but such an estimate of the range of possible loss may not be possible. For those matters where an estimate of the range of possible loss is possible, management currently estimates the aggregate range of reasonably possible loss is $0 to $15 million at March 31, 2023 in excess of the accrued liability (if any) related to those matters. This estimated range of possible loss is based upon currently available information and is subject to significant judgment, a variety of assumptions, and known and unknown uncertainties. The matters underlying the estimated range will change from time to time, and actual results may vary significantly from the current estimate. The estimated range of possible loss does not represent Huntington’s maximum loss exposure. Based on current knowledge, management does not believe that loss contingencies arising from pending matters will have a material adverse effect on the consolidated financial position of Huntington. Further, management believes that amounts accrued are adequate to address Huntington’s contingent liabilities. However, in light of the inherent uncertainties involved in these matters, some of which are beyond Huntington’s control, and the large or indeterminate damages sought in some of these matters, an adverse outcome in one or more of these matters could be material to Huntington’s results of operations for any particular reporting period.

SEGMENT REPORTING

SEGMENT REPORTING	3 Months Ended
	Mar. 31, 2023
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 2022 Annual Report on Form 10-K. Listed in the following tables is certain operating basis financial information reconciled to Huntington’s March 31, 2023, December 31, 2022, and March 31, 2022, reported results by business segment. Three Months Ended March 31, Income Statements Commercial Banking Consumer & Business Banking Vehicle Finance RBHPCG Treasury / Other Huntington Consolidated (dollar amounts in millions) 2023 Net interest income $ 570 $ 977 $ 114 $ 68 $ (320) $ 1,409 Provision (benefit) for credit losses 40 26 20 (1) — 85 Noninterest income 157 223 3 117 12 512 Noninterest expense 280 630 41 81 54 1,086 Provision (benefit) for income taxes 85 114 12 22 (89) 144 Income attributable to non-controlling interest 4 — — — — 4 Net income (loss) attributable to Huntington $ 318 $ 430 $ 44 $ 83 $ (273) $ 602 2022 Net interest income $ 418 $ 459 $ 120 $ 49 $ 100 $ 1,146 Provision (benefit) for credit losses 131 (109) (7) 10 — 25 Noninterest income 141 272 3 66 17 499 Noninterest expense 248 612 45 81 67 1,053 Provision (benefit) for income taxes 38 47 18 5 (3) 105 Income attributable to non-controlling interest 2 — — — — 2 Net income attributable to Huntington $ 140 $ 181 $ 67 $ 19 $ 53 $ 460 Assets at Deposits at (dollar amounts in millions) March 31, December 31, March 31, December 31, Commercial Banking $ 65,183 $ 63,812 $ 35,243 $ 37,509 Consumer & Business Banking 38,275 38,561 94,729 93,676 Vehicle Finance 21,767 21,461 1,018 1,136 RBHPCG 10,134 10,045 9,009 9,550 Treasury / Other 53,711 49,027 5,279 6,043 Total $ 189,070 $ 182,906 $ 145,278 $ 147,914

ACCOUNTING STANDARDS UPDATE (Po

ACCOUNTING STANDARDS UPDATE (Policies)	3 Months Ended
	Mar. 31, 2023
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 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 while enhancing disclosure requirements for certain loan modifications when a borrower is experiencing financial difficulty. The ASU also requires disclosure of current period gross charge-offs by year of origination for financing receivables and net investments in leases. • Management adopted the guidance during the first quarter 2023. • The ASU has been applied prospectively, except the portion of the standard related to the recognition and measurement of TDRs where we elected to use a modified retrospective transition method. • The adoption did not result in a material impact on Huntington’s Unaudited Consolidated Financial Statements. Accounting standards yet to be adopted Standard Summary of guidance Effects on financial statements ASU 2023-02 Investments - Equity Method and Joint Ventures (Topic 323): Accounting for Investments in Tax Credit Structures Using the Proportional Amortization Method Issued: March 2023 • Permits the election of the proportional amortization method for any tax equity investment that meets specific criteria. • Requires that the election be made on a tax-credit-program-by-tax-credit-program basis. • Receipt of tax credits must be accounted for using the flow through method. • Required that a liability be recorded for delayed equity contributions. • Expands disclosure requirements for the nature of investments and financial statement effect. • Effective for fiscal years beginning after December 15, 2023, including interim periods within those fiscal years. • Early adoption is permitted in any interim period. • If adopted in an interim period, it shall be adopted as if adopted at the beginning of the fiscal year. • The amendments can be applied in retrospective or modified retrospective basis, with a cumulative effect adjustment reflected in retained earnings. • Huntington is currently evaluating the impact of the standard on its Unaudited Consolidated Financial Statements.

INVESTMENT SECURITIES AND OTH_2

INVESTMENT SECURITIES AND OTHER SECURITIES (Tables)	3 Months Ended
	Mar. 31, 2023
Investments, Debt and Equity Securities [Abstract]
Amortized Cost, Fair Value, and Gross Unrealized Gains and Losses by Investment Category	The following tables provide amortized cost, fair value, and gross unrealized gains and losses by investment category at March 31, 2023 and December 31, 2022: Unrealized (dollar amounts in millions) Amortized Cost (1)(2) Gross Gross Fair Value At March 31, 2023 Available-for-sale securities: U.S. Treasury $ 5 $ — $ — $ 5 Federal agencies: Residential CMO 3,818 1 (369) 3,450 Residential MBS 14,193 10 (1,870) 12,333 Commercial MBS 2,555 — (588) 1,967 Other agencies 184 — (8) 176 Total U.S. Treasury, federal agency, and other agency securities 20,755 11 (2,835) 17,931 Municipal securities 3,614 1 (234) 3,381 Private-label CMO 143 — (13) 130 Asset-backed securities 413 — (38) 375 Corporate debt 2,481 109 (325) 2,265 Other securities/Sovereign debt 4 — — 4 Total available-for-sale securities $ 27,410 $ 121 $ (3,445) $ 24,086 Held-to-maturity securities: Federal agencies: Residential CMO $ 5,133 $ 7 $ (634) $ 4,506 Residential MBS 10,090 1 (1,199) 8,892 Commercial MBS 1,630 — (207) 1,423 Other agencies 122 — (6) 116 Total federal agency and other agency securities 16,975 8 (2,046) 14,937 Municipal securities 2 — — 2 Total held-to-maturity securities $ 16,977 $ 8 $ (2,046) $ 14,939 Other securities, at cost: Non-marketable equity securities: Federal Home Loan Bank stock $ 748 $ — $ — $ 748 Federal Reserve Bank stock 509 — — 509 Equity securities 9 — — 9 Other securities, at fair value: Mutual funds 32 — — 32 Equity securities 1 — — 1 Total other securities $ 1,299 $ — $ — $ 1,299 (1) Amortized cost amounts exclude accrued interest receivable, which is recorded within accrued income and other receivables on the Consolidated Balance Sheet s . At March 31, 2023, accrued interest receivable on available-for-sale securities and held-to-maturity securities totaled $73 million and $39 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 $689 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 At December 31, 2022 Available-for-sale securities: U.S. Treasury $ 103 $ — $ — $ 103 Federal agencies: Residential CMO 3,336 — (422) 2,914 Residential MBS 14,349 4 (2,090) 12,263 Commercial MBS 2,565 — (612) 1,953 Other agencies 190 1 (9) 182 Total U.S. Treasury, federal agency, and other agency securities 20,543 5 (3,133) 17,415 Municipal securities 3,527 1 (238) 3,290 Private-label CMO 146 — (18) 128 Asset-backed securities 416 — (44) 372 Corporate debt 2,467 132 (385) 2,214 Other securities/Sovereign debt 4 — — 4 Total available-for-sale securities $ 27,103 $ 138 $ (3,818) $ 23,423 Held-to-maturity securities: Federal agencies: Residential CMO $ 4,970 $ 4 $ (714) $ 4,260 Residential MBS 10,295 — (1,375) 8,920 Commercial MBS 1,652 — (204) 1,448 Other agencies 133 — (9) 124 Total federal agency and other agency securities 17,050 4 (2,302) 14,752 Municipal securities 2 — — 2 Total held-to-maturity securities $ 17,052 $ 4 $ (2,302) $ 14,754 Other securities, at cost: Non-marketable equity securities: Federal Home Loan Bank stock $ 312 $ — $ — $ 312 Federal Reserve Bank stock 500 — — 500 Equity securities 10 — — 10 Other securities, at fair value: Mutual funds 31 — — 31 Equity securities 1 — — 1 Total other securities $ 854 $ — $ — $ 854 (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, 2022, accrued interest receivable on available-for-sale securities and held-to-maturity securities totaled $64 million and $39 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 $849 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.
Investments by Contractual Maturity	The following table provides the amortized cost and fair value of securities by contractual maturity at March 31, 2023 and December 31, 2022. Expected maturities may differ from contractual maturities as issuers may have the right to call or prepay obligations with or without incurring penalties. At March 31, 2023 At December 31, 2022 (dollar amounts in millions) Amortized Cost Fair Value Amortized Cost Fair Value Available-for-sale securities: Under 1 year $ 502 $ 494 $ 518 $ 511 After 1 year through 5 years 2,387 2,232 2,182 2,033 After 5 years through 10 years 2,913 2,666 3,106 2,814 After 10 years 21,608 18,694 21,297 18,065 Total available-for-sale securities $ 27,410 $ 24,086 $ 27,103 $ 23,423 Held-to-maturity securities: Under 1 year $ 2 $ 2 $ — $ — After 1 year through 5 years 62 60 72 68 After 5 years through 10 years 67 63 71 66 After 10 years 16,846 14,814 16,909 14,620 Total held-to-maturity securities $ 16,977 $ 14,939 $ 17,052 $ 14,754
Investments with Unrealized Losses by Investment Category	The following tables provide detail on investment securities with unrealized losses aggregated by investment category and the length of time the individual securities have been in a continuous loss position at March 31, 2023 and December 31, 2022: Less than 12 Months Over 12 Months Total (dollar amounts in millions) Fair Gross Unrealized Fair Gross Unrealized Fair Gross Unrealized At March 31, 2023 Available-for-sale securities: Federal agencies: Residential CMO $ 1,241 $ (71) $ 1,808 $ (298) $ 3,049 $ (369) Residential MBS 555 (31) 11,285 (1,839) 11,840 (1,870) Commercial MBS 526 (77) 1,441 (511) 1,967 (588) Other agencies 22 — 71 (8) 93 (8) Total federal agency and other agency securities 2,344 (179) 14,605 (2,656) 16,949 (2,835) Municipal securities 1,019 (60) 2,212 (174) 3,231 (234) Private-label CMO 37 (3) 72 (10) 109 (13) Asset-backed securities 36 (2) 340 (36) 376 (38) Corporate debt 75 (4) 2,190 (321) 2,265 (325) Total temporarily impaired available-for-sale securities $ 3,511 $ (248) $ 19,419 $ (3,197) $ 22,930 $ (3,445) Held-to-maturity securities: Federal agencies: Residential CMO $ 254 $ (5) $ 3,830 $ (629) $ 4,084 $ (634) Residential MBS 1,456 (72) 7,341 (1,127) 8,797 (1,199) Commercial MBS 52 (2) 1,371 (205) 1,423 (207) Other agencies — — 116 (6) 116 (6) Total federal agency and other agency securities 1,762 (79) 12,658 (1,967) 14,420 (2,046) Total temporarily impaired held-to-maturity securities $ 1,762 $ (79) $ 12,658 $ (1,967) $ 14,420 $ (2,046) Less than 12 Months Over 12 Months Total (dollar amounts in millions) Fair Gross Unrealized Fair Gross Unrealized Fair Gross Unrealized At December 31, 2022 Available-for-sale securities: Federal agencies: Residential CMO $ 2,096 $ (224) $ 818 $ (198) $ 2,914 $ (422) Residential MBS 2,455 (286) 9,490 (1,804) 11,945 (2,090) Commercial MBS 1,090 (249) 863 (363) 1,953 (612) Other agencies 40 (1) 56 (8) 96 (9) Total federal agency and other agency securities 5,681 (760) 11,227 (2,373) 16,908 (3,133) Municipal securities 2,298 (174) 807 (64) 3,105 (238) Private-label CMO 64 (13) 43 (5) 107 (18) Asset-backed securities 174 (10) 199 (34) 373 (44) Corporate debt 727 (105) 1,487 (280) 2,214 (385) Total temporarily impaired available-for-sale securities $ 8,944 $ (1,062) $ 13,763 $ (2,756) $ 22,707 $ (3,818) Held-to-maturity securities: Federal agencies: Residential CMO $ 1,702 $ (238) $ 2,283 $ (476) $ 3,985 $ (714) Residential MBS 4,151 (462) 4,711 (913) 8,862 (1,375) Commercial MBS 1,201 (154) 247 (50) 1,448 (204) Other agencies 124 (9) — — 124 (9) Total federal agency and other agency securities 7,178 (863) 7,241 (1,439) 14,419 (2,302) Total temporarily impaired held-to-maturity securities $ 7,178 $ (863) $ 7,241 $ (1,439) $ 14,419 $ (2,302)

LOANS AND LEASES (Tables)

LOANS AND LEASES (Tables)	3 Months Ended
	Mar. 31, 2023
Receivables [Abstract]
Loan and Lease Portfolio	The following table provides a detailed listing of Huntington’s loan and lease portfolio at March 31, 2023 and December 31, 2022. (dollar amounts in millions) At March 31, 2023 At December 31, 2022 Commercial loan and lease portfolio: Commercial and industrial $ 47,049 $ 45,127 Commercial real estate 16,377 16,634 Lease financing 5,244 5,252 Total commercial loan and lease portfolio 68,670 67,013 Consumer loan portfolio: Residential mortgage 22,472 22,226 Automobile 13,187 13,154 Home equity 10,166 10,375 RV and marine 5,404 5,376 Other consumer 1,280 1,379 Total consumer loan portfolio 52,509 52,510 Total loans and leases (1)(2) 121,179 119,523 Allowance for loan and lease losses (2,142) (2,121) Net loans and leases $ 119,037 $ 117,402 (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) premium of $(12) million and $3 million at March 31, 2023 and December 31, 2022, respectively. (2) The total amount of accrued interest recorded for these loans and leases at March 31, 2023, was $305 million and $187 million of commercial and consumer loan and lease portfolios, respectively, and at December 31, 2022, was $274 million and $186 million of commercial and consumer loan and lease portfolios, respectively. Accrued interest is presented in accrued income and other receivables within the Consolidated Balance Sheet
Direct Financing Lease, Lease Income	The following table presents net investments in lease financing receivables by category at March 31, 2023 and December 31, 2022. (dollar amounts in millions) At March 31, 2023 At December 31, 2022 Lease payments receivable $ 4,928 $ 4,916 Estimated residual value of leased assets 784 788 Gross investment in lease financing receivables 5,712 5,704 Deferred origination costs 49 46 Deferred fees, unearned income and other (517) (498) Total lease financing receivables $ 5,244 $ 5,252
NALs and Past Due Loans	The following table presents NALs by class at March 31, 2023 and December 31, 2022: At March 31, 2023 At December 31, 2022 (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 $ 37 $ 273 $ 49 $ 288 Commercial real estate 37 86 63 92 Lease financing — 14 — 18 Residential mortgage — 81 — 90 Automobile — 4 — 4 Home equity — 74 — 76 RV and marine — 1 — 1 Total nonaccrual loans and leases $ 74 $ 533 $ 112 $ 569
Aging analysis of loans and leases	The following tables present an aging analysis of loans and leases, by class at March 31, 2023 and December 31, 2022: At March 31, 2023 Past Due (1) Loans Accounted for Under FVO Total Loans 90 or (dollar amounts in millions) 30-59 60-89 90 or Total Current Commercial and industrial $ 37 $ 23 $ 90 $ 150 $ 46,899 $ — $ 47,049 $ 12 (2) Commercial real estate 31 42 9 82 16,295 — 16,377 — Lease financing 34 35 12 81 5,163 — 5,244 10 (3) Residential mortgage 196 61 181 438 21,848 186 22,472 134 (4) Automobile 78 16 9 103 13,084 — 13,187 7 Home equity 49 27 68 144 10,021 1 10,166 18 RV and marine 13 3 2 18 5,386 — 5,404 2 Other consumer 8 3 2 13 1,267 — 1,280 2 Total loans and leases $ 446 $ 210 $ 373 $ 1,029 $ 119,963 $ 187 $ 121,179 $ 185 At December 31, 2022 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 $ 53 $ 19 $ 108 $ 180 $ 44,947 $ — $ 45,127 $ 23 (2) Commercial real estate 2 1 9 12 16,622 — 16,634 — Lease financing 36 18 10 64 5,188 — 5,252 9 (3) Residential mortgage 246 69 199 514 21,528 184 22,226 146 (4) Automobile 88 20 11 119 13,035 — 13,154 9 Home equity 56 30 66 152 10,222 1 10,375 15 RV and marine 15 5 3 23 5,353 — 5,376 3 Other consumer 13 3 3 19 1,360 — 1,379 2 Total loans and leases $ 509 $ 165 $ 409 $ 1,083 $ 118,255 $ 185 $ 119,523 $ 207 (1) NALs are included in this aging analysis based on the loan’s past due status. (2) Amounts include SBA loans and leases. (3) Amounts include Huntington Technology Finance administrative lease delinquencies. (4) Amounts include mortgage loans insured by U.S. government agencies.
Loan and lease balances by credit quality indicator	The following tables present the amortized cost basis of loans and leases by vintage and credit quality indicator at March 31, 2023 and December 31, 2022 respectively: At March 31, 2023 Term Loans Amortized Cost Basis by Origination Year Revolver Total at Amortized Cost Basis Revolver Total Converted to Term Loans (dollar amounts in millions) 2023 2022 2021 2020 2019 Prior Total Commercial and industrial Credit Quality Indicator (1): Pass $ 5,651 $ 13,501 $ 5,680 $ 2,891 $ 1,760 $ 1,956 $ 13,043 $ 4 $ 44,486 OLEM 33 207 123 52 19 92 170 — 696 Substandard 58 341 158 199 179 356 575 — 1,866 Doubtful — — — — — 1 — — 1 Total Commercial and industrial $ 5,742 $ 14,049 $ 5,961 $ 3,142 $ 1,958 $ 2,405 $ 13,788 $ 4 $ 47,049 Commercial real estate Credit Quality Indicator (1): Pass $ 620 $ 5,544 $ 2,995 $ 1,438 $ 1,508 $ 1,750 $ 1,509 $ — $ 15,364 OLEM 5 147 46 8 34 42 — — 282 Substandard 65 147 107 39 158 213 2 — 731 Total Commercial real estate $ 690 $ 5,838 $ 3,148 $ 1,485 $ 1,700 $ 2,005 $ 1,511 $ — $ 16,377 Lease financing Credit Quality Indicator (1): Pass $ 471 $ 1,777 $ 1,176 $ 817 $ 409 $ 261 $ — $ — $ 4,911 OLEM 31 28 9 24 15 6 — — 113 Substandard 8 71 44 60 21 15 — — 219 Doubtful — — 1 — — — — — 1 Total Lease financing $ 510 $ 1,876 $ 1,230 $ 901 $ 445 $ 282 $ — $ — $ 5,244 Residential mortgage Credit Quality Indicator (2): 750+ $ 331 $ 3,774 $ 6,244 $ 3,493 $ 816 $ 2,452 $ — $ — $ 17,110 650-749 137 1,323 1,142 613 216 878 — — 4,309 <650 2 60 73 67 93 572 — — 867 Total Residential mortgage $ 470 $ 5,157 $ 7,459 $ 4,173 $ 1,125 $ 3,902 $ — $ — $ 22,286 Automobile Credit Quality Indicator (2): 750+ $ 911 $ 2,471 $ 2,021 $ 1,097 $ 655 $ 276 $ — $ — $ 7,431 650-749 422 1,850 1,333 591 308 159 — — 4,663 <650 36 351 349 169 105 83 — — 1,093 Total Automobile $ 1,369 $ 4,672 $ 3,703 $ 1,857 $ 1,068 $ 518 $ — $ — $ 13,187 Home equity Credit Quality Indicator (2): 750+ $ 96 $ 463 $ 557 $ 592 $ 21 $ 298 $ 4,562 $ 240 $ 6,829 650-749 44 122 83 65 9 121 2,097 245 2,786 <650 — 3 3 4 2 51 354 133 550 Total Home equity $ 140 $ 588 $ 643 $ 661 $ 32 $ 470 $ 7,013 $ 618 $ 10,165 RV and marine Credit Quality Indicator (2): 750+ $ 250 $ 1,080 $ 981 $ 685 $ 339 $ 733 $ — $ — $ 4,068 650-749 33 305 303 193 116 270 — — 1,220 <650 — 9 20 18 16 53 — — 116 Total RV and marine $ 283 $ 1,394 $ 1,304 $ 896 $ 471 $ 1,056 $ — $ — $ 5,404 Other consumer Credit Quality Indicator (2): 750+ $ 66 $ 111 $ 55 $ 29 $ 28 $ 60 $ 363 $ 3 $ 715 650-749 21 63 26 10 12 16 339 15 502 <650 — 5 4 2 3 2 34 13 63 Total Other consumer $ 87 $ 179 $ 85 $ 41 $ 43 $ 78 $ 736 $ 31 $ 1,280 (1) Consistent with the credit quality disclosures, indicators for the Commercial portfolio are based on internally defined categories of credit grades. (2) Consistent with the credit quality disclosures, indicators for the Consumer portfolio are based on updated customer credit scores refreshed at least quarterly. At December 31, 2022 Term Loans Amortized Cost Basis by Origination Year Revolver Total at Amortized Cost Basis Revolver Total Converted to Term Loans (dollar amounts in millions) 2022 2021 2020 2019 2018 Prior Total Commercial and industrial Credit Quality Indicator (1): Pass $ 16,480 $ 6,597 $ 3,279 $ 2,040 $ 1,068 $ 1,163 $ 12,077 $ 3 $ 42,707 OLEM 108 139 72 21 49 26 112 — 527 Substandard 364 181 189 212 141 255 550 — 1,892 Doubtful — — — — — 1 — — 1 Total Commercial and industrial $ 16,952 $ 6,917 $ 3,540 $ 2,273 $ 1,258 $ 1,445 $ 12,739 $ 3 $ 45,127 Commercial real estate Credit Quality Indicator (1): Pass $ 5,634 $ 3,260 $ 1,616 $ 1,728 $ 917 $ 1,044 $ 1,502 $ — $ 15,701 OLEM 61 53 1 43 6 9 — — 173 Substandard 235 118 105 75 85 140 2 — 760 Total Commercial real estate $ 5,930 $ 3,431 $ 1,722 $ 1,846 $ 1,008 $ 1,193 $ 1,504 $ — $ 16,634 Lease financing Credit Quality Indicator (1): Pass $ 1,930 $ 1,291 $ 952 $ 447 $ 186 $ 143 $ — $ — $ 4,949 OLEM 32 9 15 18 6 3 — — 83 Substandard 65 37 74 24 9 11 — — 220 Total Lease financing $ 2,027 $ 1,337 $ 1,041 $ 489 $ 201 $ 157 $ — $ — $ 5,252 Residential mortgage Credit Quality Indicator (2): 750+ $ 3,666 $ 6,274 $ 3,566 $ 846 $ 469 $ 2,070 $ — $ — $ 16,891 650-749 1,394 1,172 617 211 137 777 — — 4,308 <650 49 68 61 95 90 480 — — 843 Total Residential mortgage $ 5,109 $ 7,514 $ 4,244 $ 1,152 $ 696 $ 3,327 $ — $ — $ 22,042 Automobile Credit Quality Indicator (2): 750+ $ 2,770 $ 2,212 $ 1,243 $ 777 $ 289 $ 98 $ — $ — $ 7,389 650-749 1,944 1,508 683 367 162 52 — — 4,716 <650 307 352 173 115 67 35 — — 1,049 Total Automobile $ 5,021 $ 4,072 $ 2,099 $ 1,259 $ 518 $ 185 $ — $ — $ 13,154 Home equity Credit Quality Indicator (2): 750+ $ 463 $ 573 $ 611 $ 23 $ 20 $ 301 $ 4,787 $ 252 $ 7,030 650-749 131 88 68 9 8 122 2,129 261 2,816 <650 3 3 3 2 2 51 335 129 528 Total Home equity $ 597 $ 664 $ 682 $ 34 $ 30 $ 474 $ 7,251 $ 642 $ 10,374 RV and marine Credit Quality Indicator (2): 750+ $ 1,148 $ 1,031 $ 731 $ 361 $ 354 $ 438 $ — $ — $ 4,063 650-749 290 315 200 118 113 169 — — 1,205 <650 5 18 15 17 17 36 — — 108 Total RV and marine $ 1,443 $ 1,364 $ 946 $ 496 $ 484 $ 643 $ — $ — $ 5,376 Other consumer Credit Quality Indicator (2): 750+ $ 207 $ 64 $ 35 $ 34 $ 13 $ 52 $ 393 $ 3 $ 801 650-749 71 30 12 15 4 14 355 16 517 <650 3 3 2 3 1 2 33 14 61 Total Other consumer $ 281 $ 97 $ 49 $ 52 $ 18 $ 68 $ 781 $ 33 $ 1,379 (1) Consistent with the credit quality disclosures, indicators for the Commercial portfolio are based on internally defined categories of credit grades. (2) Consistent with the credit quality disclosures, indicators for the Consumer portfolio are based on updated customer credit scores refreshed at least quarterly. The following tables present the gross charge-offs of loans and leases by vintage. Term Loans Gross Charge-offs by Origination Year Revolver Gross Charge-offs Revolver Converted to Term Loans Gross Charge-offs (dollar amounts in millions) 2023 2022 2021 2020 2019 Prior Total Three Months Ended March 31, 2023 Commercial and industrial $ 1 $ 14 $ 3 $ 6 $ 4 $ — $ 4 $ — $ 32 Commercial real estate — — 19 — — — — — 19 Lease Financing — — — — — 1 — — 1 Residential mortgage — — 1 — — 1 — — 2 Automobile — 3 4 2 1 2 — — 12 Home equity — — — — — — 1 1 2 RV and marine — — 1 1 1 1 — — 4 Other consumer 1 8 5 1 1 4 — 7 27 Total $ 2 $ 25 $ 33 $ 10 $ 7 $ 9 $ 5 $ 8 $ 99
Summary of modifications	The following table summarizes the amortized cost basis of loans modified during the reporting period to borrowers experiencing financial difficulty, disaggregated by class of financing receivable and type of modification. Amortized Cost (dollar amounts in millions) Interest rate reduction Term extension Combo - interest rate reduction and term extension Total % of total loan class (1) Three months ended March 31, 2023 Commercial and industrial $ 35 $ 124 $ 3 $ 162 0.34 % Commercial real estate — 48 — 48 0.29 Residential mortgage — 23 1 24 0.11 Automobile — 3 — 3 0.02 Home equity — — 3 3 0.03 RV and marine — 1 — 1 0.02 Total loans made to borrowers experiencing financial difficulty in which modifications were made $ 35 $ 199 $ 7 $ 241 (1) Represents the amortized cost of loans modified during the reporting period as a percentage of the period-end loan balance by class. The following table describes the financial effect of the modification made to borrowers experiencing financial difficulty. Interest Rate Reduction Term Extension Weighted-average contractual interest rate Weighted-average years added to the life From To Three months ended March 31, 2023 Commercial and industrial 7.60 % 6.80 % 0.9 Commercial real estate 0.6 Residential mortgage 5.36 4.14 6.3 Automobile 2.1 Home equity 8.13 5.59 16.6 RV and marine 3.1 At March 31, 2023 Past Due (dollar amounts in millions) 30-59 60-89 90 or Total Current Total Commercial and industrial $ — $ — $ — $ — $ 162 $ 162 Commercial real estate — — — — 48 48 Residential mortgage 4 4 — 8 16 24 Automobile — — — — 3 3 Home equity — — — — 3 3 RV and marine — — — — 1 1 Total loans made to borrowers experiencing financial difficulty in which modifications were made in the three months ended March 31, 2023 $ 4 $ 4 $ — $ 8 $ 233 $ 241
Summary of Troubled Debt Restructuring Note, Debtor	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 period ended March 31, 2022. New Troubled Debt Restructurings (1) Three Months Ended March 31, 2022 Number of Post-modification Outstanding Recorded Investment (2) (dollar amounts in millions) Interest rate concession Amortization or maturity date change Chapter 7 bankruptcy Total Commercial and industrial 53 $ 11 $ 3 $ — $ 14 Commercial real estate 1 — — — — Residential mortgage 207 — 28 1 29 Automobile 625 — 4 1 5 Home equity 42 — 1 1 2 RV and marine 39 — 1 — 1 Other consumer 30 — — — — Total new TDRs 997 $ 11 $ 37 $ 3 $ 51 (1) TDRs may include multiple concessions and the disclosure classifications are based on the primary concession provided to the borrower. (2) Post-modification balances approximate pre-modification balances.

ALLOWANCE FOR CREDIT LOSSES (Ta

ALLOWANCE FOR CREDIT LOSSES (Tables)	3 Months Ended
	Mar. 31, 2023
Credit Loss [Abstract]
Allowance Roll-forward	Allowance for Credit Losses - Roll-forward The following tables present ACL activity by portfolio segment for the three-month periods ended March 31, 2023 and 2022. (dollar amounts in millions) Commercial Consumer Total Three-month period ended March 31, 2023: ALLL balance, beginning of period $ 1,424 $ 697 $ 2,121 Loan and lease charge-offs (52) (47) (99) Recoveries of loans and leases previously charged-off 23 19 42 Provision for loan and lease losses 62 16 78 ALLL balance, end of period $ 1,457 $ 685 $ 2,142 AULC balance, beginning of period $ 71 $ 79 $ 150 Provision for unfunded lending commitments 4 3 7 AULC balance, end of period $ 75 $ 82 $ 157 ACL balance, end of period $ 1,532 $ 767 $ 2,299 (dollar amounts in millions) Commercial Consumer Total Three-month period ended March 31, 2022: ALLL balance, beginning of period $ 1,462 $ 568 $ 2,030 Loan and lease charge-offs (31) (50) (81) Recoveries of loans and leases previously charged-off 40 22 62 Provision (benefit) for loan and lease losses 43 (36) 7 ALLL balance, end of period $ 1,514 $ 504 $ 2,018 AULC balance, beginning of period $ 41 $ 36 $ 77 Provision (benefit) for unfunded lending commitments 16 (2) 14 AULC balance, end of period $ 57 $ 34 $ 91 ACL balance, end of period $ 1,571 $ 538 $ 2,109

MORTGAGE LOAN SALES AND SERVI_2

MORTGAGE LOAN SALES AND SERVICING RIGHTS (Tables)	3 Months Ended
	Mar. 31, 2023
Transfers and Servicing [Abstract]
Summarizes activity relating to loans securitized sold with servicing retained	The following table summarizes activity relating to residential mortgage loans sold with servicing retained for the three-month periods ended March 31, 2023 and 2022: Three Months Ended (dollar amounts in millions) 2023 2022 Residential mortgage loans sold with servicing retained $ 862 $ 1,934 Pretax gains resulting from above loan sales (1) 7 59 (1) Recorded in mortgage banking income.
Summarizes activity relating to loans sold with servicing retained using the fair value method	The following table summarizes the changes in MSRs recorded using the fair value method for the three-month periods ended March 31, 2023 and 2022: Three Months Ended (dollar amounts in millions) 2023 2022 Fair value, beginning of period $ 494 $ 351 New servicing assets created 13 29 Change in fair value during the period due to: Time decay (1) (6) (5) Payoffs (2) (4) (10) Changes in valuation inputs or assumptions (3) (12) 51 Fair value, end of period $ 485 $ 416 (1) Represents decrease in value due to passage of time, including the impact from both regularly scheduled principal payments and partial loan paydowns. (2) Represents decrease in value associated with loans that paid off during the period. (3) Represents change in value resulting primarily from market-driven changes in interest rates.
Summary of key assumptions and the sensitivity of the servicing rights value to changes in the assumptions	A summary of key assumptions and the sensitivity of the MSR value to changes in these assumptions at March 31, 2023, and December 31, 2022 follows: At March 31, 2023 At December 31, 2022 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) 7.76 % $ (13) $ (26) 7.05 % $ (13) $ (25) Spread over forward interest rate swap rates 575 bps (11) (22) 578 bps (12) (22)

BORROWINGS (Tables)

BORROWINGS (Tables)	3 Months Ended
	Mar. 31, 2023
Debt Disclosure [Abstract]
Schedule of Short-term Debt	Borrowings with original maturities of one year or less are classified as short-term and were comprised of the following at March 31, 2023 and December 31, 2022, respectively: (dollar amounts in millions) At March 31, 2023 At December 31, 2022 Federal funds purchased and securities sold under agreements to repurchase $ 403 $ 253 FHLB advances 6,450 1,700 Other borrowings 45 74 Total short-term borrowings $ 6,898 $ 2,027
Schedule of Long-term Debt Instruments	Huntington’s long-term debt consisted of the following at March 31, 2023 and December 31, 2022, respectively: (dollar amounts in millions) At March 31, 2023 At December 31, 2022 The Parent Company: Senior Notes $ 3,057 $ 3,005 Subordinated Notes 768 975 Total notes issued by the parent 3,825 3,980 The Bank: Senior Notes 4,309 4,272 Subordinated Notes 659 651 Total notes issued by the bank 4,968 4,923 FHLB Advances 3,709 211 Other 570 572 Total long-term debt $ 13,072 $ 9,686

OTHER COMPREHENSIVE INCOME (Tab

OTHER COMPREHENSIVE INCOME (Tables)	3 Months Ended
	Mar. 31, 2023
Equity [Abstract]
Components of other comprehensive income	The components of Huntington’s OCI for the three-month periods ended March 31, 2023 and 2022, were as follows: (dollar amounts in millions) Pretax Tax (expense) benefit After-tax Three Months Ended March 31, 2023 Unrealized gains (losses) on available-for-sale securities arising during the period $ 379 $ (87) $ 292 Reclassification adjustment for realized net losses included in net income 3 (1) 2 Total unrealized gains (losses) on available-for-sale securities 382 (88) 294 Net impact of fair value hedges on available-for-sale securities (182) 42 (140) Unrealized gains (losses) on cash flow hedges during the period 231 (53) 178 Reclassification adjustment for cash flow hedges included in net income 12 (1) 11 Net change related to cash flow hedges on loans 243 (54) 189 Other comprehensive income (loss) $ 443 $ (100) $ 343 Three Months Ended March 31, 2022 Unrealized gains (losses) on available-for-sale securities arising during the period $ (1,540) $ 354 $ (1,186) Reclassification adjustment for realized net losses included in net income 9 (2) 7 Total unrealized gains (losses) on available-for-sale securities (1,531) 352 (1,179) Net impact of fair value hedges on available-for-sale securities 431 (99) 332 Net change related to cash flow hedges on loans (310) 70 (240) Foreign currency translation adjustment (1) 2 — 2 Net unrealized gains (losses) on net investment hedges (2) — (2) Translation adjustments, net of hedges (1) — — — Change in accumulated unrealized gains for pension and other post-retirement obligations 3 (1) 2 Other comprehensive income (loss) $ (1,407) $ 322 $ (1,085) (1) Foreign investments are deemed to be permanent in nature and, therefore, Huntington does not provide for taxes on foreign currency translation adjustments.
Activity in accumulated other comprehensive income, net of tax	Activity in accumulated OCI for the three-month periods ended March 31, 2023 and 2022, 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 Net change related to cash flow hedges on loans Translation adjustments, net of hedges Unrealized gains (losses) for pension and other post- retirement obligations Total Three Months Ended March 31, 2023 Balance, beginning of period $ (3,002) $ 754 $ (632) $ (8) $ (210) $ (3,098) Other comprehensive income (loss) before reclassifications 292 (140) 178 — — 330 Amounts reclassified from accumulated OCI to earnings 2 — 11 — — 13 Period change 294 (140) 189 — — 343 Balance, end of period $ (2,708) $ 614 $ (443) $ (8) $ (210) $ (2,755) Three Months Ended March 31, 2022 Balance, beginning of period $ (153) $ 89 $ 63 $ (3) $ (225) $ (229) Other comprehensive income (loss) before reclassifications (1,186) 332 (240) — — (1,094) Amounts reclassified from accumulated OCI to earnings 7 — — — 2 9 Period change (1,179) 332 (240) — 2 (1,085) Balance, end of period $ (1,332) $ 421 $ (177) $ (3) $ (223) $ (1,314) (1) AOCI amounts at March 31, 2023 and March 31, 2022 include $64 million and $78 million, respectively, of net unrealized losses (after-tax) on securities transferred from the available-for-sale securities portfolio to the held-to-maturity securities portfolio. The net unrealized losses will be recognized in earnings over the remaining life of the security using the effective interest method.

SHAREHOLDERS' EQUITY (Tables)

SHAREHOLDERS' EQUITY (Tables)	3 Months Ended
	Mar. 31, 2023
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) At March 31, 2023 At December 31, 2022 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 Series J (2) 3/6/2023 325,000 6.875 4/15/2028 317 — Total 882,500 $ 2,484 $ 2,167 (1) Redeemable at Huntington’s option on the date stated or on a quarterly basis thereafter. Earlier redemption is solely at Huntington’s option, subject to any required prior approval of Federal Reserve. (2) Series B, H, and J 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 $25,000, plus any declared and unpaid dividends. The following table presents the dividends declared for each series of Preferred shares for the three-month periods ended March 31, 2023 and 2022: Three Months Ended March 31, (amounts in millions, except per share data) 2023 2022 Cash Dividend Declared Per Share Cash Dividend Declared Per Share Preferred Series Amount ($) Amount ($) Series B $ 18.82 $ (1) $ 9.36 $ — Series E 1,425.00 (7) 1,425.00 (7) Series F 1,406.25 (7) 1,406.25 (7) Series G 1,112.50 (6) 1,112.50 (6) Series H 11.25 (6) 11.25 (6) Series I 356.25 (2) 356.25 (2) Series J (1) — — — — Total $ (29) $ (28) (1) First dividend declaration for Series J begins in second quarter 2023.

EARNINGS PER SHARE (Tables)

EARNINGS PER SHARE (Tables)	3 Months Ended
	Mar. 31, 2023
Earnings Per Share [Abstract]
Basic and diluted earnings per share	The calculation of basic and diluted earnings per share for the three-month periods ended March 31, 2023 and 2022 was as follows: Three Months Ended March 31, (dollar amounts in millions, except per share data, share count in thousands) 2023 2022 Basic earnings per common share: Net income attributable to Huntington $ 602 $ 460 Preferred stock dividends 29 28 Net income available to common shareholders $ 573 $ 432 Average common shares issued and outstanding 1,443,268 1,438,427 Basic earnings per common share $ 0.40 $ 0.30 Diluted earnings per common share: Dilutive potential common shares: Stock options and restricted stock units and awards 19,613 19,629 Shares held in deferred compensation plans 6,398 6,271 Dilutive potential common shares 26,011 25,900 Total diluted average common shares issued and outstanding 1,469,279 1,464,327 Diluted earnings per common share $ 0.39 $ 0.29 Anti-dilutive awards (1) 9,344 2,148 (1) Reflects the total number of shares related to outstanding options that have been excluded from the computation of diluted earnings per share because the impact would have been anti-dilutive.

NONINTEREST INCOME (Tables)

NONINTEREST INCOME (Tables)	3 Months Ended
	Mar. 31, 2023
Revenue from Contract with Customer [Abstract]
Schedule of Noninterest Income	The following table shows Huntington’s total noninterest income segregated between contracts with customers within the scope of ASC 606 and those within the scope of other GAAP Topics. (dollar amounts in millions) Three Months Ended March 31, Noninterest income 2023 2022 Noninterest income from contracts with customers $ 377 $ 308 Noninterest income within the scope of other GAAP topics 135 191 Total noninterest income $ 512 $ 499 The following table illustrates the disaggregation by operating segment and major revenue stream and reconciles disaggregated revenue to segment revenue presented in Note 16 “ Segment Reporting ”. Three Months Ended March 31, 2023 (dollar amounts in millions) Commercial Banking Consumer & Business Banking Vehicle Finance RBHPCG Treasury / Other Huntington Consolidated Major Revenue Streams Service charges on deposit accounts $ 19 $ 61 $ 2 $ 1 $ — $ 83 Card and payment processing income 6 80 — — — 86 Trust and investment management services — 17 — 45 — 62 Insurance income 2 19 — 13 — 34 Capital markets fees 26 2 1 — — 29 Other noninterest income 20 7 — 56 — 83 Net revenue from contracts with customers $ 73 $ 186 $ 3 $ 115 $ — $ 377 Noninterest income within the scope of other GAAP topics 84 37 — 2 12 135 Total noninterest income $ 157 $ 223 $ 3 $ 117 $ 12 $ 512 Three Months Ended March 31, 2022 (dollar amounts in millions) Commercial Banking Consumer & Business Banking Vehicle Finance RBHPCG Treasury / Other Huntington Consolidated Major Revenue Streams Service charges on deposit accounts $ 23 $ 71 $ 2 $ 1 $ — $ 97 Card and payment processing income 6 74 — — — 80 Trust and investment management services — 18 — 47 — 65 Insurance income 2 12 — 16 1 31 Capital markets fees 4 2 — — — 6 Other noninterest income 21 6 — 1 1 29 Net revenue from contracts with customers $ 56 $ 183 $ 2 $ 65 $ 2 $ 308 Noninterest income within the scope of other GAAP topics 85 89 1 1 15 191 Total noninterest income $ 141 $ 272 $ 3 $ 66 $ 17 $ 499

FAIR VALUES OF ASSETS AND LIA_2

FAIR VALUES OF ASSETS AND LIABILITIES (Tables)	3 Months Ended
	Mar. 31, 2023
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) At March 31, 2023 (dollar amounts in millions) Level 1 Level 2 Level 3 Assets Trading account securities: Municipal securities $ — $ 18 $ — $ — $ 18 Available-for-sale securities: U.S. Treasury securities 5 — — — 5 Residential CMO — 3,450 — — 3,450 Residential MBS — 12,333 — — 12,333 Commercial MBS — 1,967 — — 1,967 Other agencies — 176 — — 176 Municipal securities — 42 3,339 — 3,381 Private-label CMO — 110 20 — 130 Asset-backed securities — 301 74 — 375 Corporate debt — 2,265 — — 2,265 Other securities/sovereign debt — 4 — — 4 Total available-for-sale securities 5 20,648 3,433 — 24,086 Other securities 32 1 — — 33 Loans held for sale — 446 — — 446 Loans held for investment — 172 15 — 187 MSRs — — 485 — 485 Other assets: Derivative assets — 1,984 6 (1,564) 426 Assets held in trust for deferred compensation plans 164 — — — 164 Liabilities Derivative liabilities — 1,595 3 (861) 737 Fair Value Measurements at Reporting Date Using Netting Adjustments (1) At December 31, 2022 (dollar amounts in millions) Level 1 Level 2 Level 3 Assets Trading account securities: Municipal securities $ — $ 19 $ — $ — $ 19 Available-for-sale securities: U.S. Treasury securities 103 — — — 103 Residential CMOs — 2,914 — — 2,914 Residential MBS — 12,263 — — 12,263 Commercial MBS — 1,953 — — 1,953 Other agencies — 182 — — 182 Municipal securities — 42 3,248 — 3,290 Private-label CMO — 108 20 — 128 Asset-backed securities — 298 74 — 372 Corporate debt — 2,214 — — 2,214 Other securities/sovereign debt — 4 — — 4 Total available-for-sale securities 103 19,978 3,342 — 23,423 Other securities 31 1 — — 32 Loans held for sale — 520 — — 520 Loans held for investment — 169 16 — 185 MSRs — — 494 — 494 Other assets: Derivative assets — 2,161 3 (1,808) 356 Assets held in trust for deferred compensation plans 155 — — — 155 Liabilities Derivative liabilities — 2,332 5 (1,345) 992 (1) Amounts represent the impact of legally enforceable master netting agreements that allow the Company to settle positive and negative positions and cash collateral held or placed with the same counterparties.
Rollforward of financial instruments measured on a recurring basis and classified as Level 3	The following tables present a rollforward of the balance sheet amounts measured at fair value on a recurring basis and classified as Level 3. The classification of an item as Level 3 is based on the significance of the unobservable inputs to the overall fair value measurement. However, Level 3 measurements may also include observable components of value that can be validated externally. Accordingly, the gains and losses in the table below include changes in fair value due in part to observable factors that are part of the valuation methodology. Level 3 Fair Value Measurements Available-for-sale securities Loans held for investment (dollar amounts in millions) MSRs Derivative instruments Municipal securities Private- Asset-backed securities Three Months Ended March 31, 2023 Opening balance $ 494 $ (2) $ 3,248 $ 20 $ 74 $ 16 Transfers out of Level 3 (1) — (2) — — — — Total gains/losses for the period: Included in earnings: Mortgage banking income (12) 7 — — — — Interest and fee income — — — (1) — — Included in OCI — — 3 — — — Purchases/originations 13 — 177 — — — Repayments — — — — — (1) Settlements (10) — (89) 1 — — Closing balance $ 485 $ 3 $ 3,339 $ 20 $ 74 $ 15 Change in unrealized gains or losses for the period included in earnings for assets held at end of the reporting date $ (12) $ 5 $ — $ — $ — $ — Change in unrealized gains or losses for the period included in other comprehensive income for assets held at the end of the reporting period — — 3 — — — Three Months Ended March 31, 2022 Opening balance $ 351 $ 4 $ 3,477 $ 20 $ 70 $ 19 Transfers out of Level 3 (1) — (7) — — — — Total gains/losses for the period: Included in earnings: Mortgage banking income 51 (7) — — — — Interest and fee income — — (2) (1) — — Provision for credit losses — — (4) — — — Included in OCI — — (120) — (1) — Purchases/originations 29 — 172 — — — Repayments — — — — — (1) Settlements (15) — (241) — (7) — Closing balance $ 416 $ (10) $ 3,282 $ 19 $ 62 $ 18 Change in unrealized gains or losses for the period included in earnings for assets held at end of the reporting date $ 51 $ (16) $ — $ — $ — $ — Change in unrealized gains or losses for the period included in other comprehensive income for assets held at the end of the reporting period — — (118) — (1) — (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 table presents the fair value and aggregate principal balance of certain assets and liabilities under the fair value option: Total Loans Loans that are 90 or more days past due (dollar amounts in millions) Fair value Aggregate Difference Fair value Aggregate Difference At March 31, 2023 Loans held for sale $ 446 $ 439 $ 7 $ — $ — $ — Loans held for investment 187 192 (5) 3 3 — At December 31, 2022 Loans held for sale $ 520 $ 513 $ 7 $ — $ — $ — Loans held for investment 185 190 (5) 11 11 — The following table presents the net gains (losses) from fair value changes. Three Months Ended March 31, (dollar amounts in millions) 2023 2022 Loans held for sale (1) $ — $ (44) Loans held for investment — 1 (1) The net gains (losses) from fair value changes are included in Mortgage banking income on the Unaudited 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 Losses Three Months Ended March 31, (dollar amounts in millions) At March 31, 2023 At December 31, 2022 2023 2022 Collateral-dependent loans $ 30 $ 16 $ (6) $ (1)
Quantitative information about significant unobservable level 3 fair value measurement inputs	The table below presents quantitative information about the significant unobservable inputs for assets and liabilities measured at fair value on a recurring and nonrecurring basis: Quantitative Information about Level 3 Fair Value Measurements At March 31, 2023 (1) At December 31, 2022 (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 % - 27% 8 % 5 % - 40% 7 % Spread over forward interest rate swap rates 5 % - 13% 6 % 5 % - 13% 6 % Municipal securities and asset-backed securities Discounted cash flow Discount rate 4 % - 5% 5 % 5 % - 5% 5 % Cumulative default — % - 64% 8 % — % - 64% 7 % Loss given default 20 % - 20% 20 % 20 % - 20% 20 % (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 At March 31, 2023 Financial Assets Cash and short-term assets $ 10,572 $ — $ — $ 10,572 $ 10,572 Trading account securities — — 18 18 18 Available-for-sale securities — — 24,086 24,086 24,086 Held-to-maturity securities 16,977 — — 16,977 14,939 Other securities 1,266 — 33 1,299 1,299 Loans held for sale — 11 446 457 457 Net loans and leases (1) 118,850 — 187 119,037 115,020 Derivative assets — — 426 426 426 Assets held in trust for deferred compensation plans — — 164 164 164 Financial Liabilities Deposits 145,278 — — 145,278 145,179 Short-term borrowings 6,898 — — 6,898 6,898 Long-term debt 13,072 — — 13,072 12,591 Derivative liabilities — — 737 737 737 At December 31, 2022 Financial Assets Cash and short-term assets $ 6,918 $ — $ — $ 6,918 $ 6,918 Trading account securities — — 19 19 19 Available-for-sale securities — — 23,423 23,423 23,423 Held-to-maturity securities 17,052 — — 17,052 14,754 Other securities 822 — 32 854 854 Loans held for sale — 9 520 529 529 Net loans and leases (1) 117,217 — 185 117,402 112,591 Derivative assets — — 356 356 356 Assets held in trust for deferred compensation plans — — 155 155 155 Financial Liabilities Deposits 147,914 — — 147,914 147,796 Short-term borrowings 2,027 — — 2,027 2,027 Long-term debt 9,686 — — 9,686 9,564 Derivative liabilities — — 992 992 992 (1) Includes collateral-dependent loans. The following table presents the level in the fair value hierarchy for the estimated fair values at March 31, 2023 and December 31, 2022: Estimated Fair Value Measurements at Reporting Date Using Netting Adjustments (1) Presented Balance (dollar amounts in millions) Level 1 Level 2 Level 3 At March 31, 2023 Financial Assets Trading account securities $ — $ 18 $ — $ 18 Available-for-sale securities 5 20,648 3,433 24,086 Held-to-maturity securities — 14,939 — 14,939 Other securities (2) 32 1 — 33 Loans held for sale — 446 11 457 Net loans and leases — 172 114,848 115,020 Derivative assets — 1,984 6 $ (1,564) 426 Financial Liabilities Deposits — 136,712 8,467 145,179 Short-term borrowings — 6,898 — 6,898 Long-term debt — 8,205 4,386 12,591 Derivative liabilities — 1,595 3 (861) 737 At December 31, 2022 Financial Assets Trading account securities $ — $ 19 $ — $ 19 Available-for-sale securities 103 19,978 3,342 23,423 Held-to-maturity securities — 14,754 — 14,754 Other securities (2) 31 1 — 32 Loans held for sale — 520 9 529 Net loans and leases — 169 112,422 112,591 Derivative assets — 2,161 3 $ (1,808) 356 Financial Liabilities Deposits — 142,081 5,715 147,796 Short-term borrowings — 2,027 — 2,027 Long-term debt — 8,680 884 9,564 Derivative liabilities — 2,332 5 (1,345) 992 (1) Amounts represent the impact of legally enforceable master netting agreements that allow the Company to settle positive and negative positions and cash collateral held or placed with the same counterparties. (2) Excludes securities without readily determinable fair values.

DERIVATIVE FINANCIAL INSTRUME_2

DERIVATIVE FINANCIAL INSTRUMENTS (Tables)	3 Months Ended
	Mar. 31, 2023
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 Consolidated Balance Sheets at March 31, 2023 and December 31, 2022. Amounts in the table below are presented gross without the impact of any net collateral arrangements. At March 31, 2023 At December 31, 2022 (dollar amounts in millions) Notional Value Asset Liability Notional Value Asset Liability Derivatives designated as Hedging Instruments Interest rate contracts $ 42,515 $ 1,037 $ 616 $ 42,461 $ 1,008 $ 1,145 Foreign exchange contracts 204 4 — 202 2 — Derivatives not designated as Hedging Instruments Interest rate contracts 40,809 773 790 37,562 968 1,008 Foreign exchange contracts 5,621 65 68 4,889 68 68 Commodities contracts 852 111 108 762 114 113 Equity contracts 678 — 16 636 4 3 Total Contracts $ 90,679 $ 1,990 $ 1,598 $ 86,512 $ 2,164 $ 2,337
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 Consolidated Income Statement for the three-month periods ended March 31, 2023 and 2022, respectively. Location of Gain or (Loss) Recognized in Income on Derivative Amount of Gain or (Loss) Recognized in Income on Derivative Three Months Ended (dollar amounts in millions) 2023 2022 Interest rate contracts: Customer Capital markets fees $ 7 $ 10 Mortgage banking Mortgage banking income 9 (47) Interest rate swaptions Other noninterest income (1) — Foreign exchange contracts Capital markets fees 12 10 Commodities contracts Capital markets fees 2 1 Equity contracts Other noninterest expense (1) 1 Total $ 28 $ (25)
Gross notional values of derivatives used in asset and liability management activities	The following table presents the gross notional values of derivatives used in Huntington’s asset and liability management activities at March 31, 2023 and December 31, 2022, identified by the underlying interest rate-sensitive instruments. (dollar amounts in millions) Fair Value Hedges Cash Flow Hedges Economic Hedges Total At March 31, 2023 Instruments associated with: Investment securities $ 11,961 $ — $ 1,500 $ 13,461 Loans — 22,825 175 23,000 Long-term debt 7,729 — — 7,729 Total notional value $ 19,690 $ 22,825 $ 1,675 $ 44,190 At December 31, 2022 Instruments associated with: Investment securities $ 10,407 $ — $ — $ 10,407 Loans — 24,325 175 24,500 Long-term debt 7,729 — — 7,729 Total notional value $ 18,136 $ 24,325 $ 175 $ 42,636
Increase or (decrease) to interest expense for derivatives designated as fair value hedges	The following table presents the change in fair value for derivatives designated as fair value hedges as well as the offsetting change in fair value on the hedged item for the three-month periods ended March 31, 2023 and 2022. Three Months Ended (dollar amounts in millions) 2023 2022 Interest rate contracts Change in fair value of interest rate swaps hedging investment securities (1) $ (182) $ 418 Change in fair value of hedged investment securities (1) 181 (430) Change in fair value of interest rate swaps hedging long-term debt (2) 116 (98) Change in fair value of hedged long term debt (2) (116) 98 (1) Recognized in Interest income—available-for-sale securities—taxable in the Unaudited Consolidated Statements of Income . (2) Recognized in Interest expense—long-term debt in the Unaudited Consolidated Statements of Income .
Amounts recorded on the balance sheet related to cumulative basis adjustments	As of March 31, 2023 and December 31, 2022, 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) At March 31, 2023 At December 31, 2022 At March 31, 2023 At December 31, 2022 Assets Investment securities (1) $ 19,619 $ 18,029 $ (798) $ (979) Liabilities Long-term debt (2) 7,293 7,175 (140) (256) (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 March 31, 2023, the amortized cost basis of the closed portfolios used in these hedging relationships was $18.8 billion, the cumulative basis adjustments associated with these hedging relationships was $689 million, and the amounts of the designated hedging instruments were $11.1 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 $(70) million at March 31, 2023 and $(70) million at December 31, 2022.
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 Consolidated Balance Sheets at March 31, 2023 and December 31, 2022. 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 At March 31, 2023 $ 1,990 $ (1,564) $ 426 $ (66) $ (20) $ 340 At December 31, 2022 2,164 (1,808) 356 (7) (56) 293
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 tables: (dollar amounts in millions) At March 31, 2023 At December 31, 2022 Notional value $ 1,135 $ 1,120 Trading assets 5 4 Trading liabilities (64) (78) Three Months Ended (dollar amounts in millions) 2023 2022 Trading gains (losses) $ 9 $ (47)
Offsetting of financial liabilities and derivative liabilities	Offsetting of Financial Liabilities and Derivative Liabilities Gross amounts Net amounts of Gross amounts not offset in the (dollar amounts in millions) Gross amounts of recognized liabilities Financial instruments Cash collateral delivered Net amount At March 31, 2023 $ 1,598 $ (861) $ 737 $ — $ (92) $ 645 At December 31, 2022 2,337 (1,345) 992 (79) (118) 795

Variable Interest Entities (Tab

Variable Interest Entities (Tables)	3 Months Ended
	Mar. 31, 2023
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 Consolidated Financial Statements, as well as the maximum exposure to losses, associated with its interests related to unconsolidated VIEs for which Huntington holds an interest in, but is not the primary beneficiary, of the VIE at March 31, 2023, and December 31, 2022: At March 31, 2023 (dollar amounts in millions) Total Assets Total Liabilities Maximum Exposure to Loss Affordable Housing Tax Credit Partnerships $ 2,141 $ 1,326 $ 2,141 Trust Preferred Securities 14 248 — Other Investments 557 144 557 Total $ 2,712 $ 1,718 $ 2,698 At December 31, 2022 (dollar amounts in millions) Total Assets Total Liabilities Maximum Exposure to Loss Affordable Housing Tax Credit Partnerships $ 2,036 $ 1,260 $ 2,036 Trust Preferred Securities 14 248 — Other Investments 522 141 522 Total $ 2,572 $ 1,649 $ 2,558
Affordable housing tax credit investments	The following table presents the balances of Huntington’s affordable housing tax credit investments and related unfunded commitments at March 31, 2023 and December 31, 2022. (dollar amounts in millions) At March 31, 2023 At December 31, 2022 Affordable housing tax credit investments $ 3,050 $ 2,891 Less: amortization (909) (855) Net affordable housing tax credit investments $ 2,141 $ 2,036 Unfunded commitments $ 1,326 $ 1,260 The following table presents other information relating to Huntington’s affordable housing tax credit investments for the three-month periods ended March 31, 2023 and 2022. Three Months Ended (dollar amounts in millions) 2023 2022 Tax credits and other tax benefits recognized $ 66 $ 53 Proportional amortization expense included in provision for income taxes 54 41

COMMITMENTS AND CONTINGENT LI_2

COMMITMENTS AND CONTINGENT LIABILITIES (Tables)	3 Months Ended
	Mar. 31, 2023
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 Consolidated Financial Statements. The contract amounts of these financial agreements at March 31, 2023 and December 31, 2022, were as follows: (dollar amounts in millions) At March 31, 2023 At December 31, 2022 Contract amount representing credit risk Commitments to extend credit: Commercial $ 32,634 $ 32,500 Consumer 19,482 19,064 Commercial real estate 3,199 3,393 Standby letters of credit and guarantees on industrial revenue bonds 696 714 Commercial letters of credit 51 15

SEGMENT REPORTING (Tables)

SEGMENT REPORTING (Tables)	3 Months Ended
	Mar. 31, 2023
Segment Reporting [Abstract]
Schedule of Segment Reporting Information, by Segment	Listed in the following tables is certain operating basis financial information reconciled to Huntington’s March 31, 2023, December 31, 2022, and March 31, 2022, reported results by business segment. Three Months Ended March 31, Income Statements Commercial Banking Consumer & Business Banking Vehicle Finance RBHPCG Treasury / Other Huntington Consolidated (dollar amounts in millions) 2023 Net interest income $ 570 $ 977 $ 114 $ 68 $ (320) $ 1,409 Provision (benefit) for credit losses 40 26 20 (1) — 85 Noninterest income 157 223 3 117 12 512 Noninterest expense 280 630 41 81 54 1,086 Provision (benefit) for income taxes 85 114 12 22 (89) 144 Income attributable to non-controlling interest 4 — — — — 4 Net income (loss) attributable to Huntington $ 318 $ 430 $ 44 $ 83 $ (273) $ 602 2022 Net interest income $ 418 $ 459 $ 120 $ 49 $ 100 $ 1,146 Provision (benefit) for credit losses 131 (109) (7) 10 — 25 Noninterest income 141 272 3 66 17 499 Noninterest expense 248 612 45 81 67 1,053 Provision (benefit) for income taxes 38 47 18 5 (3) 105 Income attributable to non-controlling interest 2 — — — — 2 Net income attributable to Huntington $ 140 $ 181 $ 67 $ 19 $ 53 $ 460
Segment Disclosure of Assets and Deposits	Assets at Deposits at (dollar amounts in millions) March 31, December 31, March 31, December 31, Commercial Banking $ 65,183 $ 63,812 $ 35,243 $ 37,509 Consumer & Business Banking 38,275 38,561 94,729 93,676 Vehicle Finance 21,767 21,461 1,018 1,136 RBHPCG 10,134 10,045 9,009 9,550 Treasury / Other 53,711 49,027 5,279 6,043 Total $ 189,070 $ 182,906 $ 145,278 $ 147,914

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	Mar. 31, 2023	Dec. 31, 2022
Available-for-sale securities:
Total available-for-sale securities	$ 27,410	$ 27,103
Available-for-sale securities, Gross Gains	121	138
Available-for-sale securities, Gross Losses	(3,445)	(3,818)
Available-for-sale securities	24,086	23,423
Held-to-maturity securities:
Held-to-maturity securities	16,977	17,052
Held-to-maturity securities, Gross Gains	8	4
Held-to-maturity securities, Gross Losses	(2,046)	(2,302)
Held-to-maturity securities, Fair Value	14,939	14,754
Other securities, Amortized Cost	1,299	854
Other securities, Gross Gains	0	0
Other securities, Gross Losses	0	0
Other securities, Fair Value	1,299	854
Cumulative basis adjustments associated with hedging relationships	689	849
U.S. Treasury
Available-for-sale securities:
Total available-for-sale securities	5	103
Available-for-sale securities, Gross Gains	0	0
Available-for-sale securities, Gross Losses	0	0
Available-for-sale securities	5	103
Residential CMO
Available-for-sale securities:
Total available-for-sale securities	3,818	3,336
Available-for-sale securities, Gross Gains	1	0
Available-for-sale securities, Gross Losses	(369)	(422)
Available-for-sale securities	3,450	2,914
Held-to-maturity securities:
Held-to-maturity securities	5,133	4,970
Held-to-maturity securities, Gross Gains	7	4
Held-to-maturity securities, Gross Losses	(634)	(714)
Held-to-maturity securities, Fair Value	4,506	4,260
Residential MBS
Available-for-sale securities:
Total available-for-sale securities	14,193	14,349
Available-for-sale securities, Gross Gains	10	4
Available-for-sale securities, Gross Losses	(1,870)	(2,090)
Available-for-sale securities	12,333	12,263
Held-to-maturity securities:
Held-to-maturity securities	10,090	10,295
Held-to-maturity securities, Gross Gains	1	0
Held-to-maturity securities, Gross Losses	(1,199)	(1,375)
Held-to-maturity securities, Fair Value	8,892	8,920
Commercial MBS
Available-for-sale securities:
Total available-for-sale securities	2,555	2,565
Available-for-sale securities, Gross Gains	0	0
Available-for-sale securities, Gross Losses	(588)	(612)
Available-for-sale securities	1,967	1,953
Held-to-maturity securities:
Held-to-maturity securities	1,630	1,652
Held-to-maturity securities, Gross Gains	0	0
Held-to-maturity securities, Gross Losses	(207)	(204)
Held-to-maturity securities, Fair Value	1,423	1,448
Other agencies
Available-for-sale securities:
Total available-for-sale securities	184	190
Available-for-sale securities, Gross Gains	0	1
Available-for-sale securities, Gross Losses	(8)	(9)
Available-for-sale securities	176	182
Held-to-maturity securities:
Held-to-maturity securities	122	133
Held-to-maturity securities, Gross Gains	0	0
Held-to-maturity securities, Gross Losses	(6)	(9)
Held-to-maturity securities, Fair Value	116	124
Total U.S. Treasury, federal agency, and other agency securities
Available-for-sale securities:
Total available-for-sale securities	20,755	20,543
Available-for-sale securities, Gross Gains	11	5
Available-for-sale securities, Gross Losses	(2,835)	(3,133)
Available-for-sale securities	17,931	17,415
Held-to-maturity securities:
Held-to-maturity securities	16,975	17,050
Held-to-maturity securities, Gross Gains	8	4
Held-to-maturity securities, Gross Losses	(2,046)	(2,302)
Held-to-maturity securities, Fair Value	14,937	14,752
Municipal securities
Available-for-sale securities:
Total available-for-sale securities	3,614	3,527
Available-for-sale securities, Gross Gains	1	1
Available-for-sale securities, Gross Losses	(234)	(238)
Available-for-sale securities	3,381	3,290
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:
Total available-for-sale securities	143	146
Available-for-sale securities, Gross Gains	0	0
Available-for-sale securities, Gross Losses	(13)	(18)
Available-for-sale securities	130	128
Asset-backed securities
Available-for-sale securities:
Total available-for-sale securities	413	416
Available-for-sale securities, Gross Gains	0	0
Available-for-sale securities, Gross Losses	(38)	(44)
Available-for-sale securities	375	372
Corporate debt
Available-for-sale securities:
Total available-for-sale securities	2,481	2,467
Available-for-sale securities, Gross Gains	109	132
Available-for-sale securities, Gross Losses	(325)	(385)
Available-for-sale securities	2,265	2,214
Other securities/Sovereign debt
Available-for-sale securities:
Total available-for-sale securities	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	9	10
Other securities, Gross Gains	0	0
Other securities, Gross Losses	0	0
Other securities, Fair Value	9	10
Mutual funds
Held-to-maturity securities:
Other securities, Amortized Cost	32	31
Other securities, Gross Gains	0	0
Other securities, Gross Losses	0	0
Other securities, Fair Value	32	31
Equity securities
Held-to-maturity securities:
Other securities, Amortized Cost	1	1
Other securities, Gross Gains	0	0
Other securities, Gross Losses	0	0
Other securities, Fair Value	1	1
Available-for-sale Securities
Held-to-maturity securities:
Accrued interest receivable	73	64
Held-to-maturity Securities
Held-to-maturity securities:
Accrued interest receivable	39	39
Federal Home Loan Bank stock | Non-marketable equity securities:
Held-to-maturity securities:
Other securities, Amortized Cost	748	312
Other securities, Gross Gains	0	0
Other securities, Gross Losses	0	0
Other securities, Fair Value	748	312
Federal Reserve Bank stock | Non-marketable equity securities:
Held-to-maturity securities:
Other securities, Amortized Cost	509	500
Other securities, Gross Gains	0	0
Other securities, Gross Losses	0	0
Other securities, Fair Value	$ 509	$ 500

INVESTMENT SECURITIES AND OTH_4

INVESTMENT SECURITIES AND OTHER SECURITIES - Contractual Maturities (Details) - USD ($) $ in Millions	Mar. 31, 2023	Dec. 31, 2022
Available-for-sale securities, amortized cost:
Under 1 year	$ 502	$ 518
After 1 year through 5 years	2,387	2,182
After 5 years through 10 years	2,913	3,106
After 10 years	21,608	21,297
Total available-for-sale securities	27,410	27,103
Available-for-sale securities, fair value:
Under 1 year	494	511
After 1 year through 5 years	2,232	2,033
After 5 years through 10 years	2,666	2,814
After 10 years	18,694	18,065
Total available-for-sale securities	24,086	23,423
Held-to-maturity securities, amortized cost:
Under 1 year	2	0
After 1 year through 5 years	62	72
After 5 years through 10 years	67	71
After 10 years	16,846	16,909
Total held-to-maturity securities	16,977	17,052
Held-to-maturity securities, fair value:
Under 1 year	2	0
After 1 year through 5 years	60	68
After 5 years through 10 years	63	66
After 10 years	14,814	14,620
Total held-to-maturity securities	$ 14,939	$ 14,754

INVESTMENT SECURITIES AND OTH_5

INVESTMENT SECURITIES AND OTHER SECURITIES - Continuous Unrealized Loss Position (Details) - USD ($) $ in Millions	Mar. 31, 2023	Dec. 31, 2022
Available-for-sale securities:
Less than 12 months, fair value	$ 3,511	$ 8,944
Less than 12 months, gross unrealized losses	(248)	(1,062)
12 months or longer, fair value	19,419	13,763
12 months or longer, gross unrealized losses	(3,197)	(2,756)
Total, fair value	22,930	22,707
Total, gross unrealized losses	(3,445)	(3,818)
Held-to-maturity securities:
Less than 12 months, fair value	1,762	7,178
Less than 12 months, gross unrealized losses	(79)	(863)
12 months or longer, fair value	12,658	7,241
12 months or longer, gross unrealized losses	(1,967)	(1,439)
Total held-to-maturity securities	14,420	14,419
Total, gross unrealized losses	(2,046)	(2,302)
Residential CMO
Available-for-sale securities:
Less than 12 months, fair value	1,241	2,096
Less than 12 months, gross unrealized losses	(71)	(224)
12 months or longer, fair value	1,808	818
12 months or longer, gross unrealized losses	(298)	(198)
Total, fair value	3,049	2,914
Total, gross unrealized losses	(369)	(422)
Held-to-maturity securities:
Less than 12 months, fair value	254	1,702
Less than 12 months, gross unrealized losses	(5)	(238)
12 months or longer, fair value	3,830	2,283
12 months or longer, gross unrealized losses	(629)	(476)
Total held-to-maturity securities	4,084	3,985
Total, gross unrealized losses	(634)	(714)
Residential MBS
Available-for-sale securities:
Less than 12 months, fair value	555	2,455
Less than 12 months, gross unrealized losses	(31)	(286)
12 months or longer, fair value	11,285	9,490
12 months or longer, gross unrealized losses	(1,839)	(1,804)
Total, fair value	11,840	11,945
Total, gross unrealized losses	(1,870)	(2,090)
Held-to-maturity securities:
Less than 12 months, fair value	1,456	4,151
Less than 12 months, gross unrealized losses	(72)	(462)
12 months or longer, fair value	7,341	4,711
12 months or longer, gross unrealized losses	(1,127)	(913)
Total held-to-maturity securities	8,797	8,862
Total, gross unrealized losses	(1,199)	(1,375)
Commercial MBS
Available-for-sale securities:
Less than 12 months, fair value	526	1,090
Less than 12 months, gross unrealized losses	(77)	(249)
12 months or longer, fair value	1,441	863
12 months or longer, gross unrealized losses	(511)	(363)
Total, fair value	1,967	1,953
Total, gross unrealized losses	(588)	(612)
Held-to-maturity securities:
Less than 12 months, fair value	52	1,201
Less than 12 months, gross unrealized losses	(2)	(154)
12 months or longer, fair value	1,371	247
12 months or longer, gross unrealized losses	(205)	(50)
Total held-to-maturity securities	1,423	1,448
Total, gross unrealized losses	(207)	(204)
Other agencies
Available-for-sale securities:
Less than 12 months, fair value	22	40
Less than 12 months, gross unrealized losses	0	(1)
12 months or longer, fair value	71	56
12 months or longer, gross unrealized losses	(8)	(8)
Total, fair value	93	96
Total, gross unrealized losses	(8)	(9)
Held-to-maturity securities:
Less than 12 months, fair value	0	124
Less than 12 months, gross unrealized losses	0	(9)
12 months or longer, fair value	116	0
12 months or longer, gross unrealized losses	(6)	0
Total held-to-maturity securities	116	124
Total, gross unrealized losses	(6)	(9)
Total U.S. Treasury, federal agency, and other agency securities
Available-for-sale securities:
Less than 12 months, fair value	2,344	5,681
Less than 12 months, gross unrealized losses	(179)	(760)
12 months or longer, fair value	14,605	11,227
12 months or longer, gross unrealized losses	(2,656)	(2,373)
Total, fair value	16,949	16,908
Total, gross unrealized losses	(2,835)	(3,133)
Held-to-maturity securities:
Less than 12 months, fair value	1,762	7,178
Less than 12 months, gross unrealized losses	(79)	(863)
12 months or longer, fair value	12,658	7,241
12 months or longer, gross unrealized losses	(1,967)	(1,439)
Total held-to-maturity securities	14,420	14,419
Total, gross unrealized losses	(2,046)	(2,302)
Municipal securities
Available-for-sale securities:
Less than 12 months, fair value	1,019	2,298
Less than 12 months, gross unrealized losses	(60)	(174)
12 months or longer, fair value	2,212	807
12 months or longer, gross unrealized losses	(174)	(64)
Total, fair value	3,231	3,105
Total, gross unrealized losses	(234)	(238)
Private-label CMO
Available-for-sale securities:
Less than 12 months, fair value	37	64
Less than 12 months, gross unrealized losses	(3)	(13)
12 months or longer, fair value	72	43
12 months or longer, gross unrealized losses	(10)	(5)
Total, fair value	109	107
Total, gross unrealized losses	(13)	(18)
Asset-backed securities
Available-for-sale securities:
Less than 12 months, fair value	36	174
Less than 12 months, gross unrealized losses	(2)	(10)
12 months or longer, fair value	340	199
12 months or longer, gross unrealized losses	(36)	(34)
Total, fair value	376	373
Total, gross unrealized losses	(38)	(44)
Corporate debt
Available-for-sale securities:
Less than 12 months, fair value	75	727
Less than 12 months, gross unrealized losses	(4)	(105)
12 months or longer, fair value	2,190	1,487
12 months or longer, gross unrealized losses	(321)	(280)
Total, fair value	2,265	2,214
Total, gross unrealized losses	$ (325)	$ (385)

INVESTMENT SECURITIES AND OTH_6

INVESTMENT SECURITIES AND OTHER SECURITIES - Narrative (Details) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2023	Dec. 31, 2022
Investment Securities [Line Items]
AFS debt security charge-off	$ 4
Asset Pledged as Collateral
Investment Securities [Line Items]
Investment securities pledged		$ 32,200	$ 26,900

LOANS AND LEASES - Narrative (D

LOANS AND LEASES - Narrative (Details) - USD ($) $ in Billions	Mar. 31, 2023	Dec. 31, 2022
Receivables [Abstract]
FHLB borrowings and advances, collateral	$ 71.1	$ 70.9

LOANS AND LEASES - Loan and Lea

LOANS AND LEASES - Loan and Lease Portfolio Composition (Details) - USD ($) $ in Millions		Mar. 31, 2023	Dec. 31, 2022	Mar. 31, 2022	Dec. 31, 2021
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases	[1]	$ 121,179	$ 119,523
Allowance for loan and lease losses		(2,142)	(2,121)	$ (2,018)	$ (2,030)
Net loans and leases		119,037	117,402
Loans and leases net premium (discount)		(12)	3
Commercial and industrial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		47,049	45,127
Commercial real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		16,377	16,634
Lease financing
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		5,244	5,252
Residential mortgage
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		22,472	22,226
Automobile
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		13,187	13,154
RV and marine
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		5,404	5,376
Other consumer
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		1,280	1,379
Commercial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		68,670	67,013
Allowance for loan and lease losses		(1,457)	(1,424)	(1,514)	(1,462)
Accrued interest receivable		305	274
Commercial | Commercial and industrial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		47,049	45,127
Commercial | Commercial real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		16,377	16,634
Commercial | Lease financing
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		5,244	5,252
Consumer
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		52,509	52,510
Allowance for loan and lease losses		(685)	(697)	$ (504)	$ (568)
Accrued interest receivable		187	186
Consumer | Residential mortgage
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		22,472	22,226
Consumer | Automobile
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		13,187	13,154
Consumer | Home equity
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		10,166	10,375
Consumer | RV and marine
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		5,404	5,376
Consumer | Other consumer
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		$ 1,280	$ 1,379
[1] Amounts represent loans for which Huntington has elected the fair value option. See Note 12 “ Fair Values of Assets and Liabilities ”.

LOANS AND LEASES - Direct Finan

LOANS AND LEASES - Direct Financing Leases (Details) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022	Dec. 31, 2022
Accounts, Notes, Loans and Financing Receivable [Line Items]
Carrying value of residual values guaranteed	$ 474		$ 466
Future lease rental payments due on sales-type and direct financing leases	4,900
Future lease rental payments due on sales-type and direct financing leases, year one	796
Future lease rental payments due on sales-type and direct financing leases, year two	979
Future lease rental payments due on sales-type and direct financing leases, year three	883
Future lease rental payments due on sales-type and direct financing leases, year four	842
Future lease rental payments due on sales-type and direct financing leases, year five	750
Future lease rental payments due on sales-type and direct financing leases, after year five	678
Direct financing leases, interest income	68	$ 38
Commercial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Lease payments receivable	4,928		4,916
Estimated residual value of leased assets	784		788
Gross investment in lease financing receivables	5,712		5,704
Deferred origination costs	49		46
Deferred fees, unearned income and other	(517)		(498)
Total lease financing receivables	$ 5,244		$ 5,252

LOANS AND LEASES - Nonaccrual L

LOANS AND LEASES - Nonaccrual Loans by Loan Class (Details) - USD ($) $ in Millions	Mar. 31, 2023	Dec. 31, 2022
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonaccrual loans and leases with no ACL	$ 74	$ 112
Total nonaccrual loans and leases	533	569
Commercial | Commercial and industrial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonaccrual loans and leases with no ACL	37	49
Total nonaccrual loans and leases	273	288
Commercial | Commercial real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonaccrual loans and leases with no ACL	37	63
Total nonaccrual loans and leases	86	92
Commercial | Lease financing
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonaccrual loans and leases with no ACL	0	0
Total nonaccrual loans and leases	14	18
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	81	90
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	4
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	74	76
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		Mar. 31, 2023	Dec. 31, 2022
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases	[1]	$ 121,179	$ 119,523
Loans Accounted for Under FVO		187	185
90 or more days past due and accruing		185	207
Total
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		1,029	1,083
30-59 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		446	509
60-89  Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		210	165
90 or  more days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		373	409
Current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		119,963	118,255
Commercial and industrial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		47,049	45,127
Loans Accounted for Under FVO		0	0
90 or more days past due and accruing		12	23
Commercial and industrial | Total
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		150	180
Commercial and industrial | 30-59 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		37	53
Commercial and industrial | 60-89  Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		23	19
Commercial and industrial | 90 or  more days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		90	108
Commercial and industrial | Current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		46,899	44,947
Commercial real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		16,377	16,634
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		82	12
Commercial real estate | 30-59 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		31	2
Commercial real estate | 60-89  Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		42	1
Commercial real estate | 90 or  more days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		9	9
Commercial real estate | Current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		16,295	16,622
Lease financing
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		5,244	5,252
Loans Accounted for Under FVO		0	0
90 or more days past due and accruing		10	9
Lease financing | Total
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		81	64
Lease financing | 30-59 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		34	36
Lease financing | 60-89  Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		35	18
Lease financing | 90 or  more days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		12	10
Lease financing | Current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		5,163	5,188
Residential mortgage
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		22,472	22,226
Loans Accounted for Under FVO		186	184
90 or more days past due and accruing		134	146
Residential mortgage | Total
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		438	514
Residential mortgage | 30-59 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		196	246
Residential mortgage | 60-89  Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		61	69
Residential mortgage | 90 or  more days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		181	199
Residential mortgage | Current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		21,848	21,528
Automobile
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		13,187	13,154
Loans Accounted for Under FVO		0	0
90 or more days past due and accruing		7	9
Automobile | Total
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		103	119
Automobile | 30-59 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		78	88
Automobile | 60-89  Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		16	20
Automobile | 90 or  more days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		9	11
Automobile | Current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		13,084	13,035
Home equity
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		10,166	10,375
Loans Accounted for Under FVO		1	1
90 or more days past due and accruing		18	15
Home equity | Total
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		144	152
Home equity | 30-59 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		49	56
Home equity | 60-89  Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		27	30
Home equity | 90 or  more days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		68	66
Home equity | Current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		10,021	10,222
RV and marine
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		5,404	5,376
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	23
RV and marine | 30-59 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		13	15
RV and marine | 60-89  Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		3	5
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		5,386	5,353
Other consumer
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		1,280	1,379
Loans Accounted for Under FVO		0	0
90 or more days past due and accruing		2	2
Other consumer | Total
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		13	19
Other consumer | 30-59 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		8	13
Other consumer | 60-89  Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		3	3
Other consumer | 90 or  more days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		2	3
Other consumer | Current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		$ 1,267	$ 1,360
[1] Amounts represent loans for which Huntington has elected the fair value option. See Note 12 “ Fair Values of Assets and Liabilities ”.

LOANS AND LEASES - Vintage and

LOANS AND LEASES - Vintage and Credit Quality (Details) - USD ($) $ in Millions		Mar. 31, 2023	Dec. 31, 2022
Financing Receivable, Credit Quality Indicator [Line Items]
Loans and leases	[1]	$ 121,179	$ 119,523
Commercial and industrial
Financing Receivable, Credit Quality Indicator [Line Items]
Loans and leases		47,049	45,127
Automobile
Financing Receivable, Credit Quality Indicator [Line Items]
Loans and leases		13,187	13,154
Home equity
Financing Receivable, Credit Quality Indicator [Line Items]
Loans and leases		10,166	10,375
RV and marine
Financing Receivable, Credit Quality Indicator [Line Items]
Loans and leases		5,404	5,376
Commercial
Financing Receivable, Credit Quality Indicator [Line Items]
Loans and leases		68,670	67,013
Commercial | Commercial and industrial
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		5,742	16,952
Financing receivable, year before current fiscal year		14,049	6,917
Financing receivable, two years before current fiscal year		5,961	3,540
Financing receivable, three years before current fiscal year		3,142	2,273
Financing receivable, four years before current fiscal year		1,958	1,258
Financing receivable, more than five years before current fiscal year		2,405	1,445
Revolver Total at Amortized Cost Basis		13,788	12,739
Revolver Total Converted to Term Loans		4	3
Loans and leases		47,049	45,127
Commercial | Commercial and industrial | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		5,651	16,480
Financing receivable, year before current fiscal year		13,501	6,597
Financing receivable, two years before current fiscal year		5,680	3,279
Financing receivable, three years before current fiscal year		2,891	2,040
Financing receivable, four years before current fiscal year		1,760	1,068
Financing receivable, more than five years before current fiscal year		1,956	1,163
Revolver Total at Amortized Cost Basis		13,043	12,077
Revolver Total Converted to Term Loans		4	3
Loans and leases		44,486	42,707
Commercial | Commercial and industrial | OLEM
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		33	108
Financing receivable, year before current fiscal year		207	139
Financing receivable, two years before current fiscal year		123	72
Financing receivable, three years before current fiscal year		52	21
Financing receivable, four years before current fiscal year		19	49
Financing receivable, more than five years before current fiscal year		92	26
Revolver Total at Amortized Cost Basis		170	112
Revolver Total Converted to Term Loans		0	0
Loans and leases		696	527
Commercial | Commercial and industrial | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		58	364
Financing receivable, year before current fiscal year		341	181
Financing receivable, two years before current fiscal year		158	189
Financing receivable, three years before current fiscal year		199	212
Financing receivable, four years before current fiscal year		179	141
Financing receivable, more than five years before current fiscal year		356	255
Revolver Total at Amortized Cost Basis		575	550
Revolver Total Converted to Term Loans		0	0
Loans and leases		1,866	1,892
Commercial | Commercial and industrial | Doubtful
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		0	0
Financing receivable, year before current fiscal year		0	0
Financing receivable, two years before current fiscal year		0	0
Financing receivable, three years before current fiscal year		0	0
Financing receivable, four years before current fiscal year		0	0
Financing receivable, more than five years before current fiscal year		1	1
Revolver Total at Amortized Cost Basis		0	0
Revolver Total Converted to Term Loans		0	0
Loans and leases		1	1
Commercial real estate
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		690	5,930
Financing receivable, year before current fiscal year		5,838	3,431
Financing receivable, two years before current fiscal year		3,148	1,722
Financing receivable, three years before current fiscal year		1,485	1,846
Financing receivable, four years before current fiscal year		1,700	1,008
Financing receivable, more than five years before current fiscal year		2,005	1,193
Revolver Total at Amortized Cost Basis		1,511	1,504
Revolver Total Converted to Term Loans		0	0
Loans and leases		16,377	16,634
Commercial real estate | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		620	5,634
Financing receivable, year before current fiscal year		5,544	3,260
Financing receivable, two years before current fiscal year		2,995	1,616
Financing receivable, three years before current fiscal year		1,438	1,728
Financing receivable, four years before current fiscal year		1,508	917
Financing receivable, more than five years before current fiscal year		1,750	1,044
Revolver Total at Amortized Cost Basis		1,509	1,502
Revolver Total Converted to Term Loans		0	0
Loans and leases		15,364	15,701
Commercial real estate | OLEM
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		5	61
Financing receivable, year before current fiscal year		147	53
Financing receivable, two years before current fiscal year		46	1
Financing receivable, three years before current fiscal year		8	43
Financing receivable, four years before current fiscal year		34	6
Financing receivable, more than five years before current fiscal year		42	9
Revolver Total at Amortized Cost Basis		0	0
Revolver Total Converted to Term Loans		0	0
Loans and leases		282	173
Commercial real estate | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		65	235
Financing receivable, year before current fiscal year		147	118
Financing receivable, two years before current fiscal year		107	105
Financing receivable, three years before current fiscal year		39	75
Financing receivable, four years before current fiscal year		158	85
Financing receivable, more than five years before current fiscal year		213	140
Revolver Total at Amortized Cost Basis		2	2
Revolver Total Converted to Term Loans		0	0
Loans and leases		731	760
Lease financing
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		510	2,027
Financing receivable, year before current fiscal year		1,876	1,337
Financing receivable, two years before current fiscal year		1,230	1,041
Financing receivable, three years before current fiscal year		901	489
Financing receivable, four years before current fiscal year		445	201
Financing receivable, more than five years before current fiscal year		282	157
Revolver Total at Amortized Cost Basis		0	0
Revolver Total Converted to Term Loans		0	0
Loans and leases		5,244	5,252
Lease financing | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		471	1,930
Financing receivable, year before current fiscal year		1,777	1,291
Financing receivable, two years before current fiscal year		1,176	952
Financing receivable, three years before current fiscal year		817	447
Financing receivable, four years before current fiscal year		409	186
Financing receivable, more than five years before current fiscal year		261	143
Revolver Total at Amortized Cost Basis		0	0
Revolver Total Converted to Term Loans		0	0
Loans and leases		4,911	4,949
Lease financing | OLEM
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		31	32
Financing receivable, year before current fiscal year		28	9
Financing receivable, two years before current fiscal year		9	15
Financing receivable, three years before current fiscal year		24	18
Financing receivable, four years before current fiscal year		15	6
Financing receivable, more than five years before current fiscal year		6	3
Revolver Total at Amortized Cost Basis		0	0
Revolver Total Converted to Term Loans		0	0
Loans and leases		113	83
Lease financing | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		8	65
Financing receivable, year before current fiscal year		71	37
Financing receivable, two years before current fiscal year		44	74
Financing receivable, three years before current fiscal year		60	24
Financing receivable, four years before current fiscal year		21	9
Financing receivable, more than five years before current fiscal year		15	11
Revolver Total at Amortized Cost Basis		0	0
Revolver Total Converted to Term Loans		0	0
Loans and leases		219	220
Lease financing | Commercial and industrial | 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		1
Financing receivable, three years before current fiscal year		0
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
Consumer
Financing Receivable, Credit Quality Indicator [Line Items]
Loans and leases		52,509	52,510
Consumer | Residential mortgage
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		470	5,109
Financing receivable, year before current fiscal year		5,157	7,514
Financing receivable, two years before current fiscal year		7,459	4,244
Financing receivable, three years before current fiscal year		4,173	1,152
Financing receivable, four years before current fiscal year		1,125	696
Financing receivable, more than five years before current fiscal year		3,902	3,327
Revolver Total at Amortized Cost Basis		0	0
Revolver Total Converted to Term Loans		0	0
Loans and leases		22,286	22,042
Consumer | Residential mortgage | 750+
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		331	3,666
Financing receivable, year before current fiscal year		3,774	6,274
Financing receivable, two years before current fiscal year		6,244	3,566
Financing receivable, three years before current fiscal year		3,493	846
Financing receivable, four years before current fiscal year		816	469
Financing receivable, more than five years before current fiscal year		2,452	2,070
Revolver Total at Amortized Cost Basis		0	0
Revolver Total Converted to Term Loans		0	0
Loans and leases		17,110	16,891
Consumer | Residential mortgage | 650-749
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		137	1,394
Financing receivable, year before current fiscal year		1,323	1,172
Financing receivable, two years before current fiscal year		1,142	617
Financing receivable, three years before current fiscal year		613	211
Financing receivable, four years before current fiscal year		216	137
Financing receivable, more than five years before current fiscal year		878	777
Revolver Total at Amortized Cost Basis		0	0
Revolver Total Converted to Term Loans		0	0
Loans and leases		4,309	4,308
Consumer | Residential mortgage | Less than 650
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		2	49
Financing receivable, year before current fiscal year		60	68
Financing receivable, two years before current fiscal year		73	61
Financing receivable, three years before current fiscal year		67	95
Financing receivable, four years before current fiscal year		93	90
Financing receivable, more than five years before current fiscal year		572	480
Revolver Total at Amortized Cost Basis		0	0
Revolver Total Converted to Term Loans		0	0
Loans and leases		867	843
Consumer | Automobile
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		1,369	5,021
Financing receivable, year before current fiscal year		4,672	4,072
Financing receivable, two years before current fiscal year		3,703	2,099
Financing receivable, three years before current fiscal year		1,857	1,259
Financing receivable, four years before current fiscal year		1,068	518
Financing receivable, more than five years before current fiscal year		518	185
Revolver Total at Amortized Cost Basis		0	0
Revolver Total Converted to Term Loans		0	0
Loans and leases		13,187	13,154
Consumer | Automobile | 750+
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		911	2,770
Financing receivable, year before current fiscal year		2,471	2,212
Financing receivable, two years before current fiscal year		2,021	1,243
Financing receivable, three years before current fiscal year		1,097	777
Financing receivable, four years before current fiscal year		655	289
Financing receivable, more than five years before current fiscal year		276	98
Revolver Total at Amortized Cost Basis		0	0
Revolver Total Converted to Term Loans		0	0
Loans and leases		7,431	7,389
Consumer | Automobile | 650-749
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		422	1,944
Financing receivable, year before current fiscal year		1,850	1,508
Financing receivable, two years before current fiscal year		1,333	683
Financing receivable, three years before current fiscal year		591	367
Financing receivable, four years before current fiscal year		308	162
Financing receivable, more than five years before current fiscal year		159	52
Revolver Total at Amortized Cost Basis		0	0
Revolver Total Converted to Term Loans		0	0
Loans and leases		4,663	4,716
Consumer | Automobile | Less than 650
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		36	307
Financing receivable, year before current fiscal year		351	352
Financing receivable, two years before current fiscal year		349	173
Financing receivable, three years before current fiscal year		169	115
Financing receivable, four years before current fiscal year		105	67
Financing receivable, more than five years before current fiscal year		83	35
Revolver Total at Amortized Cost Basis		0	0
Revolver Total Converted to Term Loans		0	0
Loans and leases		1,093	1,049
Consumer | Home equity
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		140	597
Financing receivable, year before current fiscal year		588	664
Financing receivable, two years before current fiscal year		643	682
Financing receivable, three years before current fiscal year		661	34
Financing receivable, four years before current fiscal year		32	30
Financing receivable, more than five years before current fiscal year		470	474
Revolver Total at Amortized Cost Basis		7,013	7,251
Revolver Total Converted to Term Loans		618	642
Loans and leases		10,165	10,374
Consumer | Home equity | 750+
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		96	463
Financing receivable, year before current fiscal year		463	573
Financing receivable, two years before current fiscal year		557	611
Financing receivable, three years before current fiscal year		592	23
Financing receivable, four years before current fiscal year		21	20
Financing receivable, more than five years before current fiscal year		298	301
Revolver Total at Amortized Cost Basis		4,562	4,787
Revolver Total Converted to Term Loans		240	252
Loans and leases		6,829	7,030
Consumer | Home equity | 650-749
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		44	131
Financing receivable, year before current fiscal year		122	88
Financing receivable, two years before current fiscal year		83	68
Financing receivable, three years before current fiscal year		65	9
Financing receivable, four years before current fiscal year		9	8
Financing receivable, more than five years before current fiscal year		121	122
Revolver Total at Amortized Cost Basis		2,097	2,129
Revolver Total Converted to Term Loans		245	261
Loans and leases		2,786	2,816
Consumer | Home equity | Less than 650
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		0	3
Financing receivable, year before current fiscal year		3	3
Financing receivable, two years before current fiscal year		3	3
Financing receivable, three years before current fiscal year		4	2
Financing receivable, four years before current fiscal year		2	2
Financing receivable, more than five years before current fiscal year		51	51
Revolver Total at Amortized Cost Basis		354	335
Revolver Total Converted to Term Loans		133	129
Loans and leases		550	528
Consumer | RV and marine
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		283	1,443
Financing receivable, year before current fiscal year		1,394	1,364
Financing receivable, two years before current fiscal year		1,304	946
Financing receivable, three years before current fiscal year		896	496
Financing receivable, four years before current fiscal year		471	484
Financing receivable, more than five years before current fiscal year		1,056	643
Revolver Total at Amortized Cost Basis		0	0
Revolver Total Converted to Term Loans		0	0
Loans and leases		5,404	5,376
Consumer | RV and marine | 750+
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		250	1,148
Financing receivable, year before current fiscal year		1,080	1,031
Financing receivable, two years before current fiscal year		981	731
Financing receivable, three years before current fiscal year		685	361
Financing receivable, four years before current fiscal year		339	354
Financing receivable, more than five years before current fiscal year		733	438
Revolver Total at Amortized Cost Basis		0	0
Revolver Total Converted to Term Loans		0	0
Loans and leases		4,068	4,063
Consumer | RV and marine | 650-749
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		33	290
Financing receivable, year before current fiscal year		305	315
Financing receivable, two years before current fiscal year		303	200
Financing receivable, three years before current fiscal year		193	118
Financing receivable, four years before current fiscal year		116	113
Financing receivable, more than five years before current fiscal year		270	169
Revolver Total at Amortized Cost Basis		0	0
Revolver Total Converted to Term Loans		0	0
Loans and leases		1,220	1,205
Consumer | RV and marine | Less than 650
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		0	5
Financing receivable, year before current fiscal year		9	18
Financing receivable, two years before current fiscal year		20	15
Financing receivable, three years before current fiscal year		18	17
Financing receivable, four years before current fiscal year		16	17
Financing receivable, more than five years before current fiscal year		53	36
Revolver Total at Amortized Cost Basis		0	0
Revolver Total Converted to Term Loans		0	0
Loans and leases		116	108
Consumer | Other consumer
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		87	281
Financing receivable, year before current fiscal year		179	97
Financing receivable, two years before current fiscal year		85	49
Financing receivable, three years before current fiscal year		41	52
Financing receivable, four years before current fiscal year		43	18
Financing receivable, more than five years before current fiscal year		78	68
Revolver Total at Amortized Cost Basis		736	781
Revolver Total Converted to Term Loans		31	33
Loans and leases		1,280	1,379
Consumer | Other consumer | 750+
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		66	207
Financing receivable, year before current fiscal year		111	64
Financing receivable, two years before current fiscal year		55	35
Financing receivable, three years before current fiscal year		29	34
Financing receivable, four years before current fiscal year		28	13
Financing receivable, more than five years before current fiscal year		60	52
Revolver Total at Amortized Cost Basis		363	393
Revolver Total Converted to Term Loans		3	3
Loans and leases		715	801
Consumer | Other consumer | 650-749
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		21	71
Financing receivable, year before current fiscal year		63	30
Financing receivable, two years before current fiscal year		26	12
Financing receivable, three years before current fiscal year		10	15
Financing receivable, four years before current fiscal year		12	4
Financing receivable, more than five years before current fiscal year		16	14
Revolver Total at Amortized Cost Basis		339	355
Revolver Total Converted to Term Loans		15	16
Loans and leases		502	517
Consumer | Other consumer | Less than 650
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		0	3
Financing receivable, year before current fiscal year		5	3
Financing receivable, two years before current fiscal year		4	2
Financing receivable, three years before current fiscal year		2	3
Financing receivable, four years before current fiscal year		3	1
Financing receivable, more than five years before current fiscal year		2	2
Revolver Total at Amortized Cost Basis		34	33
Revolver Total Converted to Term Loans		13	14
Loans and leases		$ 63	$ 61
[1] Amounts represent loans for which Huntington has elected the fair value option. See Note 12 “ Fair Values of Assets and Liabilities ”.

LOANS AND LEASES - Gross Charge

LOANS AND LEASES - Gross Charge-offs of Loans and Leases (Details) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, term loans gross charge-offs, current fiscal year	$ 2
Financing receivable, term loans gross charge-offs, year before current fiscal year	25
Financing receivable, term loans gross charge-offs, two years before current fiscal year	33
Financing receivable, term loans gross charge-offs, three years before current fiscal year	10
Financing receivable, term loans gross charge-offs, four years before current fiscal year	7
Financing receivable, term loans gross charge-offs, five years before current fiscal year	9
Financing receivable, revolver gross charge-offs	5
Financing receivable, revolver converted to term loans gross charge-offs	8
Financing receivable, term loans gross charge-offs	99	$ 81
Consumer
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, term loans gross charge-offs	47	50
Commercial
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, term loans gross charge-offs	52	$ 31
Commercial and industrial | Commercial
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, term loans gross charge-offs, current fiscal year	1
Financing receivable, term loans gross charge-offs, year before current fiscal year	14
Financing receivable, term loans gross charge-offs, two years before current fiscal year	3
Financing receivable, term loans gross charge-offs, three years before current fiscal year	6
Financing receivable, term loans gross charge-offs, four years before current fiscal year	4
Financing receivable, term loans gross charge-offs, five years before current fiscal year	0
Financing receivable, revolver gross charge-offs	4
Financing receivable, revolver converted to term loans gross charge-offs	0
Financing receivable, term loans gross charge-offs	32
Commercial real estate | Commercial
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, term loans gross charge-offs, current fiscal year	0
Financing receivable, term loans gross charge-offs, year before current fiscal year	0
Financing receivable, term loans gross charge-offs, two years before current fiscal year	19
Financing receivable, term loans gross charge-offs, three years before current fiscal year	0
Financing receivable, term loans gross charge-offs, four years before current fiscal year	0
Financing receivable, term loans gross charge-offs, five years before current fiscal year	0
Financing receivable, revolver gross charge-offs	0
Financing receivable, revolver converted to term loans gross charge-offs	0
Financing receivable, term loans gross charge-offs	19
Lease financing | Commercial
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, term loans gross charge-offs, current fiscal year	0
Financing receivable, term loans gross charge-offs, year before current fiscal year	0
Financing receivable, term loans gross charge-offs, two years before current fiscal year	0
Financing receivable, term loans gross charge-offs, three years before current fiscal year	0
Financing receivable, term loans gross charge-offs, four years before current fiscal year	0
Financing receivable, term loans gross charge-offs, five years before current fiscal year	1
Financing receivable, revolver gross charge-offs	0
Financing receivable, revolver converted to term loans gross charge-offs	0
Financing receivable, term loans gross charge-offs	1
Residential mortgage | Consumer
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, term loans gross charge-offs, current fiscal year	0
Financing receivable, term loans gross charge-offs, year before current fiscal year	0
Financing receivable, term loans gross charge-offs, two years before current fiscal year	1
Financing receivable, term loans gross charge-offs, three years before current fiscal year	0
Financing receivable, term loans gross charge-offs, four years before current fiscal year	0
Financing receivable, term loans gross charge-offs, five years before current fiscal year	1
Financing receivable, revolver gross charge-offs	0
Financing receivable, revolver converted to term loans gross charge-offs	0
Financing receivable, term loans gross charge-offs	2
Automobile | Consumer
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, term loans gross charge-offs, current fiscal year	0
Financing receivable, term loans gross charge-offs, year before current fiscal year	3
Financing receivable, term loans gross charge-offs, two years before current fiscal year	4
Financing receivable, term loans gross charge-offs, three years before current fiscal year	2
Financing receivable, term loans gross charge-offs, four years before current fiscal year	1
Financing receivable, term loans gross charge-offs, five years before current fiscal year	2
Financing receivable, revolver gross charge-offs	0
Financing receivable, revolver converted to term loans gross charge-offs	0
Financing receivable, term loans gross charge-offs	12
Home equity | Consumer
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, term loans gross charge-offs, current fiscal year	0
Financing receivable, term loans gross charge-offs, year before current fiscal year	0
Financing receivable, term loans gross charge-offs, two years before current fiscal year	0
Financing receivable, term loans gross charge-offs, three years before current fiscal year	0
Financing receivable, term loans gross charge-offs, four years before current fiscal year	0
Financing receivable, term loans gross charge-offs, five years before current fiscal year	0
Financing receivable, revolver gross charge-offs	1
Financing receivable, revolver converted to term loans gross charge-offs	1
Financing receivable, term loans gross charge-offs	2
RV and marine | Consumer
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, term loans gross charge-offs, current fiscal year	0
Financing receivable, term loans gross charge-offs, year before current fiscal year	0
Financing receivable, term loans gross charge-offs, two years before current fiscal year	1
Financing receivable, term loans gross charge-offs, three years before current fiscal year	1
Financing receivable, term loans gross charge-offs, four years before current fiscal year	1
Financing receivable, term loans gross charge-offs, five years before current fiscal year	1
Financing receivable, revolver gross charge-offs	0
Financing receivable, revolver converted to term loans gross charge-offs	0
Financing receivable, term loans gross charge-offs	4
Other consumer | Consumer
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, term loans gross charge-offs, current fiscal year	1
Financing receivable, term loans gross charge-offs, year before current fiscal year	8
Financing receivable, term loans gross charge-offs, two years before current fiscal year	5
Financing receivable, term loans gross charge-offs, three years before current fiscal year	1
Financing receivable, term loans gross charge-offs, four years before current fiscal year	1
Financing receivable, term loans gross charge-offs, five years before current fiscal year	4
Financing receivable, revolver gross charge-offs	0
Financing receivable, revolver converted to term loans gross charge-offs	7
Financing receivable, term loans gross charge-offs	$ 27

LOANS AND LEASES - Modification

LOANS AND LEASES - Modifications (Details) $ in Millions	3 Months Ended
	Mar. 31, 2023 USD ($)
Financing Receivable, Modified [Line Items]
Total	$ 241
Amortized cost basis	241
30-59 Days
Financing Receivable, Modified [Line Items]
Amortized cost basis	4
60-89  Days
Financing Receivable, Modified [Line Items]
Amortized cost basis	4
90 or  more days
Financing Receivable, Modified [Line Items]
Amortized cost basis	0
Total
Financing Receivable, Modified [Line Items]
Amortized cost basis	8
Current
Financing Receivable, Modified [Line Items]
Amortized cost basis	233
Commercial | Commercial and industrial
Financing Receivable, Modified [Line Items]
Total	$ 162
% of total loan class	0.34%
Amortized cost basis	$ 162
Commercial | Commercial and industrial | 30-59 Days
Financing Receivable, Modified [Line Items]
Amortized cost basis	0
Commercial | Commercial and industrial | 60-89  Days
Financing Receivable, Modified [Line Items]
Amortized cost basis	0
Commercial | Commercial and industrial | 90 or  more days
Financing Receivable, Modified [Line Items]
Amortized cost basis	0
Commercial | Commercial and industrial | Total
Financing Receivable, Modified [Line Items]
Amortized cost basis	0
Commercial | Commercial and industrial | Current
Financing Receivable, Modified [Line Items]
Amortized cost basis	162
Commercial | Commercial real estate
Financing Receivable, Modified [Line Items]
Total	$ 48
% of total loan class	0.29%
Amortized cost basis	$ 48
Commercial | Commercial real estate | 30-59 Days
Financing Receivable, Modified [Line Items]
Amortized cost basis	0
Commercial | Commercial real estate | 60-89  Days
Financing Receivable, Modified [Line Items]
Amortized cost basis	0
Commercial | Commercial real estate | 90 or  more days
Financing Receivable, Modified [Line Items]
Amortized cost basis	0
Commercial | Commercial real estate | Total
Financing Receivable, Modified [Line Items]
Amortized cost basis	0
Commercial | Commercial real estate | Current
Financing Receivable, Modified [Line Items]
Amortized cost basis	48
Consumer | Residential mortgage
Financing Receivable, Modified [Line Items]
Total	$ 24
% of total loan class	0.11%
Amortized cost basis	$ 24
Consumer | Residential mortgage | 30-59 Days
Financing Receivable, Modified [Line Items]
Amortized cost basis	4
Consumer | Residential mortgage | 60-89  Days
Financing Receivable, Modified [Line Items]
Amortized cost basis	4
Consumer | Residential mortgage | 90 or  more days
Financing Receivable, Modified [Line Items]
Amortized cost basis	0
Consumer | Residential mortgage | Total
Financing Receivable, Modified [Line Items]
Amortized cost basis	8
Consumer | Residential mortgage | Current
Financing Receivable, Modified [Line Items]
Amortized cost basis	16
Consumer | Automobile
Financing Receivable, Modified [Line Items]
Total	$ 3
% of total loan class	0.02%
Amortized cost basis	$ 3
Consumer | Automobile | 30-59 Days
Financing Receivable, Modified [Line Items]
Amortized cost basis	0
Consumer | Automobile | 60-89  Days
Financing Receivable, Modified [Line Items]
Amortized cost basis	0
Consumer | Automobile | 90 or  more days
Financing Receivable, Modified [Line Items]
Amortized cost basis	0
Consumer | Automobile | Total
Financing Receivable, Modified [Line Items]
Amortized cost basis	0
Consumer | Automobile | Current
Financing Receivable, Modified [Line Items]
Amortized cost basis	3
Consumer | Home equity
Financing Receivable, Modified [Line Items]
Total	$ 3
% of total loan class	0.03%
Amortized cost basis	$ 3
Consumer | Home equity | 30-59 Days
Financing Receivable, Modified [Line Items]
Amortized cost basis	0
Consumer | Home equity | 60-89  Days
Financing Receivable, Modified [Line Items]
Amortized cost basis	0
Consumer | Home equity | 90 or  more days
Financing Receivable, Modified [Line Items]
Amortized cost basis	0
Consumer | Home equity | Total
Financing Receivable, Modified [Line Items]
Amortized cost basis	0
Consumer | Home equity | Current
Financing Receivable, Modified [Line Items]
Amortized cost basis	3
Consumer | RV and marine
Financing Receivable, Modified [Line Items]
Total	$ 1
% of total loan class	0.02%
Amortized cost basis	$ 1
Consumer | RV and marine | 30-59 Days
Financing Receivable, Modified [Line Items]
Amortized cost basis	0
Consumer | RV and marine | 60-89  Days
Financing Receivable, Modified [Line Items]
Amortized cost basis	0
Consumer | RV and marine | 90 or  more days
Financing Receivable, Modified [Line Items]
Amortized cost basis	0
Consumer | RV and marine | Total
Financing Receivable, Modified [Line Items]
Amortized cost basis	0
Consumer | RV and marine | Current
Financing Receivable, Modified [Line Items]
Amortized cost basis	1
Interest rate reduction
Financing Receivable, Modified [Line Items]
Total	35
Interest rate reduction | Commercial | Commercial and industrial
Financing Receivable, Modified [Line Items]
Total	$ 35
Weighted-average years added to the life	10 months 24 days
Interest rate reduction | Commercial | Commercial and industrial | Minimum
Financing Receivable, Modified [Line Items]
Weighted-average contractual interest rate	7.60%
Interest rate reduction | Commercial | Commercial and industrial | Maximum
Financing Receivable, Modified [Line Items]
Weighted-average contractual interest rate	6.80%
Interest rate reduction | Commercial | Commercial real estate
Financing Receivable, Modified [Line Items]
Total	$ 0
Weighted-average years added to the life	7 months 6 days
Interest rate reduction | Consumer | Residential mortgage
Financing Receivable, Modified [Line Items]
Total	$ 0
Weighted-average years added to the life	6 years 3 months 18 days
Interest rate reduction | Consumer | Residential mortgage | Minimum
Financing Receivable, Modified [Line Items]
Weighted-average contractual interest rate	5.36%
Interest rate reduction | Consumer | Residential mortgage | Maximum
Financing Receivable, Modified [Line Items]
Weighted-average contractual interest rate	4.14%
Interest rate reduction | Consumer | Automobile
Financing Receivable, Modified [Line Items]
Total	$ 0
Weighted-average years added to the life	2 years 1 month 6 days
Interest rate reduction | Consumer | Home equity
Financing Receivable, Modified [Line Items]
Total	$ 0
Weighted-average years added to the life	16 years 7 months 6 days
Interest rate reduction | Consumer | Home equity | Minimum
Financing Receivable, Modified [Line Items]
Weighted-average contractual interest rate	8.13%
Interest rate reduction | Consumer | Home equity | Maximum
Financing Receivable, Modified [Line Items]
Weighted-average contractual interest rate	5.59%
Interest rate reduction | Consumer | RV and marine
Financing Receivable, Modified [Line Items]
Total	$ 0
Weighted-average years added to the life	3 years 1 month 6 days
Term extension
Financing Receivable, Modified [Line Items]
Total	$ 199
Term extension | Commercial | Commercial and industrial
Financing Receivable, Modified [Line Items]
Total	124
Term extension | Commercial | Commercial real estate
Financing Receivable, Modified [Line Items]
Total	48
Term extension | Consumer | Residential mortgage
Financing Receivable, Modified [Line Items]
Total	23
Term extension | Consumer | Automobile
Financing Receivable, Modified [Line Items]
Total	3
Term extension | Consumer | Home equity
Financing Receivable, Modified [Line Items]
Total	0
Term extension | Consumer | RV and marine
Financing Receivable, Modified [Line Items]
Total	1
Combo - interest rate reduction and term extension
Financing Receivable, Modified [Line Items]
Total	7
Combo - interest rate reduction and term extension | Commercial | Commercial and industrial
Financing Receivable, Modified [Line Items]
Total	3
Combo - interest rate reduction and term extension | Commercial | Commercial real estate
Financing Receivable, Modified [Line Items]
Total	0
Combo - interest rate reduction and term extension | Consumer | Residential mortgage
Financing Receivable, Modified [Line Items]
Total	1
Combo - interest rate reduction and term extension | Consumer | Automobile
Financing Receivable, Modified [Line Items]
Total	0
Combo - interest rate reduction and term extension | Consumer | Home equity
Financing Receivable, Modified [Line Items]
Total	3
Combo - interest rate reduction and term extension | Consumer | RV and marine
Financing Receivable, Modified [Line Items]
Total	$ 0

LOANS AND LEASES - TDRs (Detail

LOANS AND LEASES - TDRs (Details) $ in Millions	3 Months Ended
	Mar. 31, 2022 USD ($) contract
Financing Receivable, Modified [Line Items]
Number of Contracts | contract	997
Total	$ 51
Interest rate reduction
Financing Receivable, Modified [Line Items]
Total	11
Amortization or maturity date change
Financing Receivable, Modified [Line Items]
Total	37
Chapter 7 bankruptcy
Financing Receivable, Modified [Line Items]
Total	$ 3
Commercial | Commercial and industrial
Financing Receivable, Modified [Line Items]
Number of Contracts | contract	53
Total	$ 14
Commercial | Commercial and industrial | Interest rate reduction
Financing Receivable, Modified [Line Items]
Total	11
Commercial | Commercial and industrial | Amortization or maturity date change
Financing Receivable, Modified [Line Items]
Total	3
Commercial | Commercial and industrial | Chapter 7 bankruptcy
Financing Receivable, Modified [Line Items]
Total	$ 0
Commercial | Commercial real estate
Financing Receivable, Modified [Line Items]
Number of Contracts | contract	1
Total	$ 0
Commercial | Commercial real estate | Interest rate reduction
Financing Receivable, Modified [Line Items]
Total	0
Commercial | Commercial real estate | Amortization or maturity date change
Financing Receivable, Modified [Line Items]
Total	0
Commercial | Commercial real estate | Chapter 7 bankruptcy
Financing Receivable, Modified [Line Items]
Total	$ 0
Consumer | Residential mortgage
Financing Receivable, Modified [Line Items]
Number of Contracts | contract	207
Total	$ 29
Consumer | Residential mortgage | Interest rate reduction
Financing Receivable, Modified [Line Items]
Total	0
Consumer | Residential mortgage | Amortization or maturity date change
Financing Receivable, Modified [Line Items]
Total	28
Consumer | Residential mortgage | Chapter 7 bankruptcy
Financing Receivable, Modified [Line Items]
Total	$ 1
Consumer | Automobile
Financing Receivable, Modified [Line Items]
Number of Contracts | contract	625
Total	$ 5
Consumer | Automobile | Interest rate reduction
Financing Receivable, Modified [Line Items]
Total	0
Consumer | Automobile | Amortization or maturity date change
Financing Receivable, Modified [Line Items]
Total	4
Consumer | Automobile | Chapter 7 bankruptcy
Financing Receivable, Modified [Line Items]
Total	$ 1
Consumer | Home equity
Financing Receivable, Modified [Line Items]
Number of Contracts | contract	42
Total	$ 2
Consumer | Home equity | Interest rate reduction
Financing Receivable, Modified [Line Items]
Total	0
Consumer | Home equity | Amortization or maturity date change
Financing Receivable, Modified [Line Items]
Total	1
Consumer | Home equity | Chapter 7 bankruptcy
Financing Receivable, Modified [Line Items]
Total	$ 1
Consumer | RV and marine
Financing Receivable, Modified [Line Items]
Number of Contracts | contract	39
Total	$ 1
Consumer | RV and marine | Interest rate reduction
Financing Receivable, Modified [Line Items]
Total	0
Consumer | RV and marine | Amortization or maturity date change
Financing Receivable, Modified [Line Items]
Total	1
Consumer | RV and marine | Chapter 7 bankruptcy
Financing Receivable, Modified [Line Items]
Total	$ 0
Consumer | Other consumer
Financing Receivable, Modified [Line Items]
Number of Contracts | contract	30
Total	$ 0
Consumer | Other consumer | Interest rate reduction
Financing Receivable, Modified [Line Items]
Total	0
Consumer | Other consumer | Amortization or maturity date change
Financing Receivable, Modified [Line Items]
Total	0
Consumer | Other consumer | Chapter 7 bankruptcy
Financing Receivable, Modified [Line Items]
Total	$ 0

ALLOWANCE FOR CREDIT LOSSES - A

ALLOWANCE FOR CREDIT LOSSES - Allowance Roll-forward (Details) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022	Dec. 31, 2022
Financing Receivable, Allowance for Credit Loss [Roll Forward]
ALLL balance, beginning of period	$ 2,121	$ 2,030
Loan and lease charge-offs	(99)	(81)
Recoveries of loans and leases previously charged-off	42	62
Provision for loan and lease losses	78	7
ALLL balance, end of period	2,142	2,018
AULC balance, beginning of period	150	77
Provision (reduction in allowance) for unfunded loan commitments	7	14
AULC balance, end of period	157	91
ACL balance, end of period	2,299	2,109
Commercial
Financing Receivable, Allowance for Credit Loss [Roll Forward]
ALLL balance, beginning of period	1,424	1,462
Loan and lease charge-offs	(52)	(31)
Recoveries of loans and leases previously charged-off	23	40
Provision for loan and lease losses	62	43
ALLL balance, end of period	1,457	1,514
AULC balance, beginning of period	71	41
Provision (reduction in allowance) for unfunded loan commitments	4	16
AULC balance, end of period	75	57
ACL balance, end of period	1,532	1,571	$ 1,500
Consumer
Financing Receivable, Allowance for Credit Loss [Roll Forward]
ALLL balance, beginning of period	697	568
Loan and lease charge-offs	(47)	(50)
Recoveries of loans and leases previously charged-off	19	22
Provision for loan and lease losses	16	(36)
ALLL balance, end of period	685	504
AULC balance, beginning of period	79	36
Provision (reduction in allowance) for unfunded loan commitments	3	(2)
AULC balance, end of period	82	34
ACL balance, end of period	$ 767	$ 538	$ 776

ALLOWANCE FOR CREDIT LOSSES - N

ALLOWANCE FOR CREDIT LOSSES - Narrative (Details) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2023	Dec. 31, 2022	Mar. 31, 2022
Accounts, Notes, Loans and Financing Receivable [Line Items]
ACL balance, end of period	$ 2,299		$ 2,109
ACL, period increase (decrease)	28
Commercial
Accounts, Notes, Loans and Financing Receivable [Line Items]
ACL balance, end of period	1,532	$ 1,500	1,571
ACL, period increase (decrease)	37
Consumer
Accounts, Notes, Loans and Financing Receivable [Line Items]
ACL balance, end of period	767	$ 776	$ 538
ACL, period increase (decrease)	$ (9)

MORTGAGE LOAN SALES AND SERVI_3

MORTGAGE LOAN SALES AND SERVICING RIGHTS - Residential Mortgage Portfolio (Details) - Residential mortgage - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022
Servicing Asset at Amortized Cost [Line Items]
Loans sold with servicing retained	$ 862	$ 1,934
Pretax gains resulting from above loan sales	$ 7	$ 59

MORTGAGE LOAN SALES AND SERVI_4

MORTGAGE LOAN SALES AND SERVICING RIGHTS - Residential Mortgage Portfolio, MSRs Fair Value Method (Details) - Residential mortgage - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022
Servicing Asset at Fair Value, Amount [Roll Forward]
Fair value, beginning of period	$ 494	$ 351
New servicing assets created	13	29
Time decay	(6)	(5)
Payoffs	(4)	(10)
Changes in valuation inputs or assumptions	(12)	51
Fair value, end of period	$ 485	$ 416

MORTGAGE LOAN SALES AND SERVI_5

MORTGAGE LOAN SALES AND SERVICING RIGHTS - Residential Mortgage Portfolio, MSRs Fair Value Method Key Assumptions (Details) - Fair value method - Residential mortgage - USD ($) $ in Millions	3 Months Ended	12 Months Ended
	Mar. 31, 2023	Dec. 31, 2022
Servicing Assets at Fair Value [Line Items]
Constant prepayment rate (annualized), actual	7.76%	7.05%
Constant prepayment rate (annualized), 10% adverse change	$ (13)	$ (13)
Constant prepayment rate (annualized), 20% adverse change	$ (26)	$ (25)
Spread over forward interest rate swap rates, actual	5.75%	5.78%
Spread over forward interest rate swap rates, 10% adverse change	$ (11)	$ (12)
Spread over forward interest rate swap rates, 20% adverse change	$ (22)	$ (22)

MORTGAGE LOAN SALES AND SERVI_6

MORTGAGE LOAN SALES AND SERVICING RIGHTS - Narrative (Details) - Residential mortgage - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022	Dec. 31, 2022
Servicing Assets at Fair Value [Line Items]
Servicing income	$ 24	$ 22
Unpaid principal balance of third party serviced loans	$ 32,500		$ 32,400

BORROWINGS - Schedule of Short-

BORROWINGS - Schedule of Short-Term Debt (Details) - USD ($) $ in Millions	Mar. 31, 2023	Dec. 31, 2022
Short-term Debt [Line Items]
Short-term borrowings	$ 6,898	$ 2,027
Federal funds purchased and securities sold under agreements to repurchase
Short-term Debt [Line Items]
Short-term borrowings	403	253
FHLB advances
Short-term Debt [Line Items]
Short-term borrowings	6,450	1,700
Other borrowings
Short-term Debt [Line Items]
Short-term borrowings	$ 45	$ 74

BORROWINGS - Schedule of Long-T

BORROWINGS - Schedule of Long-Term Debt and Debt Issuances (Details) - USD ($) $ in Millions	Mar. 31, 2023	Dec. 31, 2022
Debt Instrument [Line Items]
Long-term debt	$ 13,072	$ 9,686
Federal Home Loan Bank advances
Debt Instrument [Line Items]
Long-term debt	3,709	211
Other borrowings
Debt Instrument [Line Items]
Long-term debt	570	572
Parent
Debt Instrument [Line Items]
Long-term debt	3,825	3,980
Parent | Senior Notes
Debt Instrument [Line Items]
Long-term debt	3,057	3,005
Parent | Subordinated Notes
Debt Instrument [Line Items]
Long-term debt	768	975
Bank
Debt Instrument [Line Items]
Long-term debt	4,968	4,923
Bank | Senior Notes
Debt Instrument [Line Items]
Long-term debt	4,309	4,272
Bank | Subordinated Notes
Debt Instrument [Line Items]
Long-term debt	$ 659	$ 651

OTHER COMPREHENSIVE INCOME - Ac

OTHER COMPREHENSIVE INCOME - Activity (Details) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022
Pretax
Other comprehensive income (loss), pretax	$ 443	$ (1,407)
Tax (Expense) Benefit
Total other comprehensive income (loss), tax (expense) benefit	(100)	322
After-tax
Other comprehensive income (loss), net of tax	343	(1,085)
Other comprehensive income (loss) before reclassifications	330	(1,094)
Net unrealized gains (losses) on net investment hedges	13	9
Period change	343	(1,085)
Unrealized gains and (losses) on debt securities
Pretax
Unrealized gains (losses) on available-for-sale securities arising during the period	379	(1,540)
Reclassification adjustment for realized net losses included in net income	3	9
Other comprehensive income (loss), pretax	382	(1,531)
Tax (Expense) Benefit
Unrealized gains (losses) on available-for-sale securities arising during the period	(87)	354
Reclassification adjustment for realized net losses included in net income	(1)	(2)
Total other comprehensive income (loss), tax (expense) benefit	(88)	352
After-tax
Unrealized gains (losses) on available-for-sale securities arising during the period	292	(1,186)
Reclassification adjustment for realized net losses included in net income	2	7
Other comprehensive income (loss), net of tax	294	(1,179)
Other comprehensive income (loss) before reclassifications	292	(1,186)
Net unrealized gains (losses) on net investment hedges	2	7
Period change	294	(1,179)
Net impact of fair value hedges on available-for-sale securities
Pretax
Other comprehensive income (loss), pretax	(182)	431
Tax (Expense) Benefit
Total other comprehensive income (loss), tax (expense) benefit	42	(99)
After-tax
Other comprehensive income (loss), net of tax	(140)	332
Other comprehensive income (loss) before reclassifications	(140)	332
Net unrealized gains (losses) on net investment hedges	0	0
Period change	(140)	332
Net change related to cash flow hedges on loans
Pretax
Unrealized gains (losses) on available-for-sale securities arising during the period	231
Reclassification adjustment for realized net losses included in net income	12
Other comprehensive income (loss), pretax	243	(310)
Tax (Expense) Benefit
Unrealized gains (losses) on available-for-sale securities arising during the period	(53)
Reclassification adjustment for realized net losses included in net income	(1)
Total other comprehensive income (loss), tax (expense) benefit	(54)	70
After-tax
Unrealized gains (losses) on available-for-sale securities arising during the period	178
Reclassification adjustment for realized net losses included in net income	11
Other comprehensive income (loss), net of tax	189	(240)
Accumulated foreign currency adjustment
Pretax
Foreign currency translation adjustment		2
Net unrealized gains (losses) on net investment hedges		(2)
Translation adjustments, net of hedges		0
Tax (Expense) Benefit
Reclassification adjustment for realized net losses included in net income		0
Other comprehensive income (loss), tax		0
After-tax
Other comprehensive income (loss) before reclassifications		2
Net unrealized gains (losses) on net investment hedges		(2)
Period change		0
Unrealized gains (losses) for pension and other post-retirement obligations
Pretax
Other comprehensive income (loss), pretax		3
Tax (Expense) Benefit
Total other comprehensive income (loss), tax (expense) benefit		(1)
After-tax
Other comprehensive income (loss), net of tax		2
Other comprehensive income (loss) before reclassifications	0	0
Net unrealized gains (losses) on net investment hedges	0	2
Period change	$ 0	$ 2

OTHER COMPREHENSIVE INCOME OTHE

OTHER COMPREHENSIVE INCOME OTHER COMPREHENSIVE INCOME - AOCI Roll Forward (Details) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Balance, beginning of period	$ 17,731
Other comprehensive income (loss) before reclassifications	330	$ (1,094)
Net unrealized gains (losses) on net investment hedges	13	9
Period change	343	(1,085)
Balance, end of period	18,758
Unrealized gains and (losses) on debt securities
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Balance, beginning of period	(3,002)	(153)
Other comprehensive income (loss) before reclassifications	292	(1,186)
Net unrealized gains (losses) on net investment hedges	2	7
Period change	294	(1,179)
Balance, end of period	(2,708)	(1,332)
Net impact of fair value hedges on available-for-sale securities
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Balance, beginning of period	754	89
Other comprehensive income (loss) before reclassifications	(140)	332
Net unrealized gains (losses) on net investment hedges	0	0
Period change	(140)	332
Balance, end of period	614	421
Net change related to cash flow hedges on loans
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Balance, beginning of period	(632)	63
Other comprehensive income (loss) before reclassifications	178	(240)
Net unrealized gains (losses) on net investment hedges	11	0
Period change	189	(240)
Balance, end of period	(443)	(177)
Translation adjustments, net of hedges
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Balance, beginning of period	(8)	(3)
Other comprehensive income (loss) before reclassifications	0	0
Net unrealized gains (losses) on net investment hedges	0	0
Period change	0	0
Balance, end of period	(8)	(3)
Unrealized gains (losses) for pension and other post-retirement obligations
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Balance, beginning of period	(210)	(225)
Other comprehensive income (loss) before reclassifications	0	0
Net unrealized gains (losses) on net investment hedges	0	2
Period change	0	2
Balance, end of period	(210)	(223)
AOCI
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Balance, beginning of period	(3,098)	(229)
Balance, end of period	(2,755)	(1,314)
Reclassification out of Accumulated Other Comprehensive Income
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Net unrealized loss on securities transfer	$ 64	$ 78

SHAREHOLDERS' EQUITY (Details)

SHAREHOLDERS' EQUITY (Details) - USD ($) $ / shares in Units, $ in Millions	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022	Dec. 31, 2022
Class of Stock [Line Items]
Shares Outstanding (in shares)	882,500		557,500
Carrying Amount	$ 2,484		$ 2,167
Cash Dividend Declared Per Share, Amount	(29)	$ (28)
Retained Earnings
Class of Stock [Line Items]
Cash Dividend Declared Per Share, Amount	$ (29)	$ (28)
Series B Preferred Stock
Class of Stock [Line Items]
Shares Outstanding (in shares)	35,500
Carrying Amount	$ 23		23
Cash Dividend Declared Per Share (in usd per share)	$ 18.82	$ 9.36
Series B Preferred Stock | Retained Earnings
Class of Stock [Line Items]
Cash Dividend Declared Per Share, Amount	$ (1)	$ 0
Series E Preferred Stock
Class of Stock [Line Items]
Shares Outstanding (in shares)	5,000
Dividend Rate	5.70%
Carrying Amount	$ 495		495
Cash Dividend Declared Per Share (in usd per share)	$ 1,425	$ 1,425
Series E Preferred Stock | Retained Earnings
Class of Stock [Line Items]
Cash Dividend Declared Per Share, Amount	$ (7)	$ (7)
Series F Preferred Stock
Class of Stock [Line Items]
Shares Outstanding (in shares)	5,000
Dividend Rate	5.625%
Carrying Amount	$ 494		494
Cash Dividend Declared Per Share (in usd per share)	$ 1,406.25	$ 1,406.25
Series F Preferred Stock | Retained Earnings
Class of Stock [Line Items]
Cash Dividend Declared Per Share, Amount	$ (7)	$ (7)
Series G Preferred Stock
Class of Stock [Line Items]
Shares Outstanding (in shares)	5,000
Dividend Rate	4.45%
Carrying Amount	$ 494		494
Cash Dividend Declared Per Share (in usd per share)	$ 1,112.5	$ 1,112.5
Series G Preferred Stock | Retained Earnings
Class of Stock [Line Items]
Cash Dividend Declared Per Share, Amount	$ (6)	$ (6)
Series H Preferred Stock
Class of Stock [Line Items]
Shares Outstanding (in shares)	500,000
Dividend Rate	4.50%
Carrying Amount	$ 486		486
Cash Dividend Declared Per Share (in usd per share)	$ 11.25	$ 11.25
Series H Preferred Stock | Retained Earnings
Class of Stock [Line Items]
Cash Dividend Declared Per Share, Amount	$ (6)	$ (6)
Series I Preferred Stock
Class of Stock [Line Items]
Shares Outstanding (in shares)	7,000
Dividend Rate	5.70%
Carrying Amount	$ 175		175
Redemption price (per share)	$ 25,000
Cash Dividend Declared Per Share (in usd per share)	$ 356.25	$ 356.25
Series I Preferred Stock | Retained Earnings
Class of Stock [Line Items]
Cash Dividend Declared Per Share, Amount	$ (2)	$ (2)
Series J Preferred Stock
Class of Stock [Line Items]
Shares Outstanding (in shares)	325,000
Dividend Rate	6.875%
Carrying Amount	$ 317		$ 0
Cash Dividend Declared Per Share (in usd per share)	$ 0	$ 0
Series J Preferred Stock | Retained Earnings
Class of Stock [Line Items]
Cash Dividend Declared Per Share, Amount	$ 0	$ 0
Series B, H and J Preferred Stock
Class of Stock [Line Items]
Redemption price (per share)	$ 1,000
Series E, F and G Preferred Stock
Class of Stock [Line Items]
Redemption price (per share)	$ 100,000
London Interbank Offered Rate (LIBOR) | Series B Preferred Stock
Class of Stock [Line Items]
Preferred stock, variable rate basis spread	2.70%

EARNINGS PER SHARE (Details)

EARNINGS PER SHARE (Details) - USD ($) $ / shares in Units, shares in Thousands, $ in Millions	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022
Basic earnings per common share:
Net income attributable to Huntington	$ 602	$ 460
Dividends on preferred shares	29	28
Net income available to common shareholders, basic	573	432
Net income applicable to diluted earnings per share	$ 573	$ 432
Average common shares issued and outstanding (in shares)	1,443,268	1,438,427
Basic earnings per common share (in usd per share)	$ 0.40	$ 0.30
Dilutive potential common shares:
Stock options and restricted stock units and awards	19,613	19,629
Shares held in deferred compensation plans	6,398	6,271
Dilutive potential common shares	26,011	25,900
Total diluted average common shares issued and outstanding (in shares)	1,469,279	1,464,327
Diluted earnings per common share (in usd per share)	$ 0.39	$ 0.29
Employee Stock Option
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Options outstanding to purchase common stock shares having antidilutive effect	9,344	2,148

NONINTEREST INCOME - Summary of

NONINTEREST INCOME - Summary of Noninterest Income (Details) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022
Revenue from Contract with Customer [Abstract]
Noninterest income from contracts with customers	$ 377	$ 308
Noninterest income within the scope of other GAAP topics	135	191
Total noninterest income	$ 512	$ 499

NONINTEREST INCOME - Disaggrega

NONINTEREST INCOME - Disaggregation by Segment (Details) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	$ 377	$ 308
Noninterest income within the scope of other GAAP topics	135	191
Noninterest income	512	499
Service charges on deposit accounts
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	83	97
Card and payment processing income
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	86	80
Trust and investment management services
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	62	65
Insurance income
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	34	31
Capital markets fees
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	29	6
Other noninterest income
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	83	29
Operating Segments | Commercial Banking
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	73	56
Noninterest income within the scope of other GAAP topics	84	85
Noninterest income	157	141
Operating Segments | Commercial Banking | Service charges on deposit accounts
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	19	23
Operating Segments | Commercial Banking | Card and payment processing income
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	6	6
Operating Segments | Commercial Banking | Trust and investment management services
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	0	0
Operating Segments | Commercial Banking | Insurance income
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	2	2
Operating Segments | Commercial Banking | Capital markets fees
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	26	4
Operating Segments | Commercial Banking | Other noninterest income
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	20	21
Operating Segments | Consumer & Business Banking
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	186	183
Noninterest income within the scope of other GAAP topics	37	89
Noninterest income	223	272
Operating Segments | Consumer & Business Banking | Service charges on deposit accounts
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	61	71
Operating Segments | Consumer & Business Banking | Card and payment processing income
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	80	74
Operating Segments | Consumer & Business Banking | Trust and investment management services
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	17	18
Operating Segments | Consumer & Business Banking | Insurance income
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	19	12
Operating Segments | Consumer & Business Banking | Capital markets fees
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	2	2
Operating Segments | Consumer & Business Banking | Other noninterest income
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	7	6
Operating Segments | Vehicle Finance
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	3	2
Noninterest income within the scope of other GAAP topics	0	1
Noninterest income	3	3
Operating Segments | Vehicle Finance | Service charges on deposit accounts
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	2	2
Operating Segments | Vehicle Finance | Card and payment processing income
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	0	0
Operating Segments | Vehicle Finance | Trust and investment management services
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	0	0
Operating Segments | Vehicle Finance | Insurance income
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	0	0
Operating Segments | Vehicle Finance | Capital markets fees
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	1	0
Operating Segments | Vehicle Finance | Other noninterest income
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	0	0
Operating Segments | RBHPCG
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	115	65
Noninterest income within the scope of other GAAP topics	2	1
Noninterest income	117	66
Operating Segments | RBHPCG | Service charges on deposit accounts
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	1	1
Operating Segments | RBHPCG | Card and payment processing income
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	0	0
Operating Segments | RBHPCG | Trust and investment management services
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	45	47
Operating Segments | RBHPCG | Insurance income
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	13	16
Operating Segments | RBHPCG | Capital markets fees
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	0	0
Operating Segments | RBHPCG | Other noninterest income
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	56	1
Treasury / Other
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	0	2
Noninterest income within the scope of other GAAP topics	12	15
Noninterest income	12	17
Treasury / Other | Service charges on deposit accounts
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	0	0
Treasury / Other | Card and payment processing income
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	0	0
Treasury / Other | Trust and investment management services
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	0	0
Treasury / Other | Insurance income
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	0	1
Treasury / Other | Capital markets fees
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	0	0
Treasury / Other | Other noninterest income
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	$ 0	$ 1

FAIR VALUES OF ASSETS AND LIA_3

FAIR VALUES OF ASSETS AND LIABILITIES - Recurring Basis (Details) - USD ($) $ in Millions	Mar. 31, 2023	Dec. 31, 2022
Assets measured at fair value on a recurring basis
Available-for-sale securities	$ 24,086	$ 23,423
Loans held for sale	446	520
Loans Accounted for Under FVO	187	185
Gross amounts of recognized assets	1,990	2,164
Derivative assets netting	(1,564)	(1,808)
Net amounts of assets presented in the condensed consolidated balance sheets	426	356
Liabilities measured at fair value on a recurring basis
Gross amounts of recognized liabilities	1,598	2,337
Gross amounts offset in the condensed consolidated balance sheets	(861)	(1,345)
Derivative liabilities	737	992
Municipal securities
Assets measured at fair value on a recurring basis
Available-for-sale securities	3,381	3,290
U.S. Treasury
Assets measured at fair value on a recurring basis
Available-for-sale securities	5	103
Residential MBS
Assets measured at fair value on a recurring basis
Available-for-sale securities	12,333	12,263
Commercial MBS
Assets measured at fair value on a recurring basis
Available-for-sale securities	1,967	1,953
Other agencies
Assets measured at fair value on a recurring basis
Available-for-sale securities	176	182
Private-label CMO
Assets measured at fair value on a recurring basis
Available-for-sale securities	130	128
Asset-backed securities
Assets measured at fair value on a recurring basis
Available-for-sale securities	375	372
Corporate debt
Assets measured at fair value on a recurring basis
Available-for-sale securities	2,265	2,214
Fair Value, Measurements, Recurring
Assets measured at fair value on a recurring basis
Available-for-sale securities	24,086	23,423
Other securities	33	32
Loans held for sale	446	520
MSRs	485	494
Derivative assets netting	(1,564)	(1,808)
Net amounts of assets presented in the condensed consolidated balance sheets	426	356
Restricted Assets, Fair Value Disclosure	164	155
Liabilities measured at fair value on a recurring basis
Gross amounts offset in the condensed consolidated balance sheets	(861)	(1,345)
Derivative liabilities	737	992
Fair Value, Measurements, Recurring | Municipal securities
Assets measured at fair value on a recurring basis
Trading account securities	18	19
Available-for-sale securities	3,381	3,290
Fair Value, Measurements, Recurring | U.S. Treasury
Assets measured at fair value on a recurring basis
Available-for-sale securities	5	103
Fair Value, Measurements, Recurring | Residential CMO
Assets measured at fair value on a recurring basis
Available-for-sale securities	3,450	2,914
Fair Value, Measurements, Recurring | Residential MBS
Assets measured at fair value on a recurring basis
Available-for-sale securities	12,333	12,263
Fair Value, Measurements, Recurring | Commercial MBS
Assets measured at fair value on a recurring basis
Available-for-sale securities	1,967	1,953
Fair Value, Measurements, Recurring | Other agencies
Assets measured at fair value on a recurring basis
Available-for-sale securities	176	182
Fair Value, Measurements, Recurring | Private-label CMO
Assets measured at fair value on a recurring basis
Available-for-sale securities	130	128
Fair Value, Measurements, Recurring | Asset-backed securities
Assets measured at fair value on a recurring basis
Available-for-sale securities	375	372
Fair Value, Measurements, Recurring | Corporate debt
Assets measured at fair value on a recurring basis
Available-for-sale securities	2,265	2,214
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	103
Other securities	32	31
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	164	155
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	103
Fair Value, Measurements, Recurring | Level 1 | Residential CMO
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	20,648	19,978
Other securities	1	1
Loans held for sale	446	520
Loans Accounted for Under FVO	172	169
MSRs	0	0
Gross amounts of recognized assets	1,984	2,161
Restricted Assets, Fair Value Disclosure	0	0
Liabilities measured at fair value on a recurring basis
Gross amounts of recognized liabilities	1,595	2,332
Fair Value, Measurements, Recurring | Level 2 | Municipal securities
Assets measured at fair value on a recurring basis
Trading account securities	18	19
Available-for-sale securities	42	42
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 CMO
Assets measured at fair value on a recurring basis
Available-for-sale securities	3,450	2,914
Fair Value, Measurements, Recurring | Level 2 | Residential MBS
Assets measured at fair value on a recurring basis
Available-for-sale securities	12,333	12,263
Fair Value, Measurements, Recurring | Level 2 | Commercial MBS
Assets measured at fair value on a recurring basis
Available-for-sale securities	1,967	1,953
Fair Value, Measurements, Recurring | Level 2 | Other agencies
Assets measured at fair value on a recurring basis
Available-for-sale securities	176	182
Fair Value, Measurements, Recurring | Level 2 | Private-label CMO
Assets measured at fair value on a recurring basis
Available-for-sale securities	110	108
Fair Value, Measurements, Recurring | Level 2 | Asset-backed securities
Assets measured at fair value on a recurring basis
Available-for-sale securities	301	298
Fair Value, Measurements, Recurring | Level 2 | Corporate debt
Assets measured at fair value on a recurring basis
Available-for-sale securities	2,265	2,214
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	3,433	3,342
Other securities	0	0
Loans held for sale	0	0
Loans Accounted for Under FVO	15	16
MSRs	485	494
Gross amounts of recognized assets	6	3
Restricted Assets, Fair Value Disclosure	0	0
Liabilities measured at fair value on a recurring basis
Gross amounts of recognized liabilities	3	5
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	3,339	3,248
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 CMO
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	20	20
Fair Value, Measurements, Recurring | Level 3 | Asset-backed securities
Assets measured at fair value on a recurring basis
Available-for-sale securities	74	74
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
	Mar. 31, 2023	Mar. 31, 2022	Dec. 31, 2022	Dec. 31, 2021
Derivative instruments
Opening balance	$ 3	$ (10)	$ (2)	$ 4
Transfers out of Level 3	(2)	(7)
Included in OCI	0	0
Purchases/originations	0	0
Repayments	0	0
Settlements	0	0
Closing balance	3	(10)
Change in unrealized gains or losses for the period included in earnings for assets held at end of the reporting date	5	(16)
Mortgage banking income
Derivative instruments
Included in earnings:	7	(7)
Interest and fee income
Derivative instruments
Included in earnings:	0	0
Provision for credit losses
Derivative instruments
Included in earnings:		0
MSRs
Assets Level 3 Roll Forward:
Opening balance	494	351
Transfers out of Level 3	0	0
Total gains/losses for the period:
Included in OCI	0	0
Purchases/originations	13	29
Repayments	0	0
Settlements	(10)	(15)
Closing balance	485	416	494	351
Change in unrealized gains or losses for the period included in earnings for assets held at end of the reporting date	(12)	51
MSRs | Mortgage banking income
Total gains/losses for the period:
Included in earnings:	(12)	51
MSRs | Interest and fee income
Total gains/losses for the period:
Included in earnings:	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	3,248	3,477
Transfers out of Level 3	0	0
Total gains/losses for the period:
Included in OCI	3	(120)
Purchases/originations	177	172
Repayments	0	0
Settlements	(89)	(241)
Closing balance	3,339	3,282	3,248	3,477
Change in unrealized gains or losses for the period included in other comprehensive income for assets held at the end of the reporting period	3	(118)
Municipal securities | Mortgage banking income
Total gains/losses for the period:
Included in earnings:	0	0
Municipal securities | Interest and fee income
Total gains/losses for the period:
Included in earnings:	0	(2)
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	20	20
Transfers out of Level 3	0	0
Total gains/losses for the period:
Included in OCI	0	0
Purchases/originations	0	0
Repayments	0	0
Settlements	1	0
Closing balance	20	19	20	20
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
Private-label CMO | Mortgage banking income
Total gains/losses for the period:
Included in earnings:	0	0
Private-label CMO | Interest and fee income
Total gains/losses for the period:
Included in earnings:	(1)	(1)
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	74	70
Transfers out of Level 3	0	0
Total gains/losses for the period:
Included in OCI	0	(1)
Purchases/originations	0	0
Repayments	0	0
Settlements	0	(7)
Closing balance	74	62	74	70
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	(1)
Asset-backed securities | Mortgage banking income
Total gains/losses for the period:
Included in earnings:	0	0
Asset-backed securities | Interest and fee income
Total gains/losses for the period:
Included in earnings:	0	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	16	19
Transfers out of Level 3	0	0
Total gains/losses for the period:
Included in OCI	0	0
Purchases/originations	0	0
Repayments	(1)	(1)
Settlements	0	0
Closing balance	15	18	$ 16	$ 19
Change in unrealized gains or losses for the period included in earnings for assets held at end of the reporting date	0	0
Loans held for investment | Mortgage banking income
Total gains/losses for the period:
Included in earnings:	0	0
Loans held for investment | Interest and fee income
Total gains/losses for the period:
Included in earnings:	$ 0	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	Mar. 31, 2023	Dec. 31, 2022
Fair Value, Option, Quantitative Disclosures [Line Items]
Loans held for sale, fair value	$ 446	$ 520
Loans and leases, fair value	187	185
Fair Value, Measurements, Recurring
Fair Value, Option, Quantitative Disclosures [Line Items]
Loans held for sale, fair value	446	520
Fair Value, Measurements, Recurring | Mortgages Held For Sale
Fair Value, Option, Quantitative Disclosures [Line Items]
Loans held for sale, aggregate unpaid principal	439	513
Difference	7	7
Fair Value, Measurements, Recurring | Mortgages Held To Maturity
Fair Value, Option, Quantitative Disclosures [Line Items]
Loans and leases, fair value	187	185
Loans held for investment, aggregate unpaid principal	192	190
Difference	(5)	(5)
Fair Value, Measurements, Recurring | 90 or  more days | Mortgages Held For Sale
Fair Value, Option, Quantitative Disclosures [Line Items]
Loans held for sale, fair value	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	11
Loans held for investment, aggregate unpaid principal	3	11
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
	Mar. 31, 2023	Mar. 31, 2022
Fair Value, Measurements, Recurring
Fair Value, Option, Quantitative Disclosures [Line Items]
Net gains (losses) from fair value changes	$ 0	$ (44)
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	$ 1

FAIR VALUES OF ASSETS AND LIA_7

FAIR VALUES OF ASSETS AND LIABILITIES - Non-Recurring Basis (Details) - Nonrecurring Basis - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022	Dec. 31, 2022
Total Gains/(Losses)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Collateral-dependent loans, gains (losses)	$ (6)	$ (1)
Level 3 | Fair Value
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Collateral-dependent loans	$ 30		$ 16

FAIR VALUES OF ASSETS AND LIA_8

FAIR VALUES OF ASSETS AND LIABILITIES - Significant Unobservable Level 3 Inputs (Details) - Discounted cash flow - Level 3 - Fair Value, Measurements, Recurring	Mar. 31, 2023	Dec. 31, 2022
Residential MBS | Minimum | Constant prepayment rate
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Servicing asset, measurement input	0.05	0.05
Residential MBS | Minimum | Spread over forward interest rate swap rates
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Servicing asset, measurement input	0.05	0.05
Residential MBS | Maximum | Constant prepayment rate
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Servicing asset, measurement input	0.27	0.40
Residential MBS | Maximum | Spread over forward interest rate swap rates
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Servicing asset, measurement input	0.13	0.13
Residential MBS | Weighted Average | Constant prepayment rate
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Servicing asset, measurement input	0.08	0.07
Residential MBS | Weighted Average | Spread over forward interest rate swap rates
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Servicing asset, measurement input	0.06	0.06
Corporate debt | Minimum | Discount rate
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Debt securities, available-for-sale, measurement input	0.04	0.05
Corporate debt | Minimum | Cumulative default
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Debt securities, available-for-sale, measurement input	0	0
Corporate debt | Minimum | Loss given default
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Debt securities, available-for-sale, measurement input	0.20	0.20
Corporate debt | Maximum | Discount rate
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Debt securities, available-for-sale, measurement input	0.05	0.05
Corporate debt | Maximum | Cumulative default
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Debt securities, available-for-sale, measurement input	0.64	0.64
Corporate debt | Maximum | Loss given default
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Debt securities, available-for-sale, measurement input	0.20	0.20
Corporate debt | Weighted Average | Discount rate
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Debt securities, available-for-sale, measurement input	0.05	0.05
Corporate debt | Weighted Average | Cumulative default
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Debt securities, available-for-sale, measurement input	0.08	0.07
Corporate debt | Weighted Average | Loss given default
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Debt securities, available-for-sale, measurement input	0.20	0.20

FAIR VALUES OF ASSETS AND LIA_9

FAIR VALUES OF ASSETS AND LIABILITIES - Balance Sheet Location (Details) - USD ($) $ in Millions		Mar. 31, 2023	Dec. 31, 2022
Financial Assets
Available-for-sale securities		$ 24,086	$ 23,423
Held-to-maturity securities		16,977	17,052
Loans held for sale	[1]	457	529
Net loans and leases		119,037	117,402
Derivative assets, gross		1,990	2,164
Derivative assets, netting adjustments		(1,564)	(1,808)
Derivative assets, net		426	356
Financial Liabilities
Total deposits		145,278	147,914
Short-term borrowings		6,898	2,027
Long-term debt		13,072	9,686
Derivative liabilities, gross		1,598	2,337
Derivative liabilities, netting adjustments		(861)	(1,345)
Derivative liabilities, net		737	992
Reported Value Measurement
Financial Assets
Cash and short-term assets		10,572	6,918
Trading account securities		18	19
Available-for-sale securities		24,086	23,423
Held-to-maturity securities		16,977	17,052
Other securities		1,299	854
Loans held for sale		457	529
Net loans and leases		119,037	117,402
Derivative assets, net		426	356
Assets held in trust for deferred compensation plans		164	155
Financial Liabilities
Total deposits		145,278	147,914
Short-term borrowings		6,898	2,027
Long-term debt		13,072	9,686
Derivative liabilities, net		737	992
Estimate of Fair Value Measurement
Financial Assets
Cash and short-term assets		10,572	6,918
Trading account securities		18	19
Available-for-sale securities		24,086	23,423
Held-to-maturity securities		14,939	14,754
Other securities		1,299	854
Other securities		33	32
Loans held for sale		457	529
Net loans and leases		115,020	112,591
Derivative assets, net		426	356
Assets held in trust for deferred compensation plans		164	155
Financial Liabilities
Total deposits		145,179	147,796
Short-term borrowings		6,898	2,027
Long-term debt		12,591	9,564
Derivative liabilities, net		737	992
Estimate of Fair Value Measurement | Level 1
Financial Assets
Trading account securities		0	0
Available-for-sale securities		5	103
Held-to-maturity securities		0	0
Other securities		32	31
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		18	19
Available-for-sale securities		20,648	19,978
Held-to-maturity securities		14,939	14,754
Other securities		1	1
Loans held for sale		446	520
Net loans and leases		172	169
Derivative assets, gross		1,984	2,161
Financial Liabilities
Total deposits		136,712	142,081
Short-term borrowings		6,898	2,027
Long-term debt		8,205	8,680
Derivative liabilities, gross		1,595	2,332
Estimate of Fair Value Measurement | Level 3
Financial Assets
Trading account securities		0	0
Available-for-sale securities		3,433	3,342
Held-to-maturity securities		0	0
Other securities		0	0
Loans held for sale		11	9
Net loans and leases		114,848	112,422
Derivative assets, gross		6	3
Derivative assets, netting adjustments		(1,564)	(1,808)
Financial Liabilities
Total deposits		8,467	5,715
Short-term borrowings		0	0
Long-term debt		4,386	884
Derivative liabilities, gross		3	5
Derivative liabilities, netting adjustments		(861)	(1,345)
Fair Value, Recurring
Financial Assets
Available-for-sale securities		24,086	23,423
Derivative assets, netting adjustments		(1,564)	(1,808)
Derivative assets, net		426	356
Financial Liabilities
Derivative liabilities, netting adjustments		(861)	(1,345)
Derivative liabilities, net		737	992
Fair Value, Recurring | Level 1
Financial Assets
Available-for-sale securities		5	103
Derivative assets, gross		0	0
Financial Liabilities
Derivative liabilities, gross		0	0
Fair Value, Recurring | Level 2
Financial Assets
Available-for-sale securities		20,648	19,978
Derivative assets, gross		1,984	2,161
Financial Liabilities
Derivative liabilities, gross		1,595	2,332
Fair Value, Recurring | Level 3
Financial Assets
Available-for-sale securities		3,433	3,342
Derivative assets, gross		6	3
Financial Liabilities
Derivative liabilities, gross		3	5
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		10,572	6,918
Held-to-maturity securities		16,977	17,052
Other securities		1,266	822
Net loans and leases		118,850	117,217
Financial Liabilities
Total deposits		145,278	147,914
Short-term borrowings		6,898	2,027
Long-term debt		13,072	9,686
Fair Value or Fair Value Option | Reported Value Measurement
Financial Assets
Trading account securities		18	19
Available-for-sale securities		24,086	23,423
Other securities		33	32
Loans held for sale		446	520
Net loans and leases		187	185
Derivative assets, net		426	356
Assets held in trust for deferred compensation plans		164	155
Financial Liabilities
Derivative liabilities, net		737	992
Lower of Cost or Market | Reported Value Measurement
Financial Assets
Loans held for sale		$ 11	$ 9
[1] Amounts represent loans for which Huntington has elected the fair value option. See Note 12 “ Fair Values of Assets and Liabilities ”.

DERIVATIVE FINANCIAL INSTRUME_3

DERIVATIVE FINANCIAL INSTRUMENTS - Hedging Instruments (Details) - USD ($) $ in Millions	Mar. 31, 2023	Dec. 31, 2022
Derivatives, Fair Value [Line Items]
Notional Value	$ 44,190	$ 42,636
Asset derivatives included in accrued income and other assets
Total contracts	1,990	2,164
Liability derivatives included in accrued expenses and other liabilities
Total contracts	1,598	2,337
Accrued income and other assets
Asset derivatives included in accrued income and other assets
Interest rate contracts not designated as hedging instruments	773	968
Foreign exchange contracts not designated as hedging instruments	65	68
Commodities contracts not designated as hedging instruments	111	114
Derivative Instruments Not Designated as Hedging Instruments, Asset, at Fair Value	0	4
Total contracts	1,990	2,164
Accrued expenses and other liabilities
Liability derivatives included in accrued expenses and other liabilities
Interest rate contracts not designated as hedging instruments	790	1,008
Foreign exchange contracts not designated as hedging instruments	68	68
Commodities contracts not designated as hedging instruments	108	113
Derivative Instruments Not Designated as Hedging Instruments, Liability, at Fair Value	16	3
Total contracts	1,598	2,337
Interest rate contracts | Accrued income and other assets
Asset derivatives included in accrued income and other assets
Interest rate contracts designated as hedging instruments	1,037	1,008
Interest rate contracts | Accrued expenses and other liabilities
Liability derivatives included in accrued expenses and other liabilities
Interest rate contracts designated as hedging instruments	616	1,145
Foreign exchange contracts | Accrued income and other assets
Asset derivatives included in accrued income and other assets
Interest rate contracts designated as hedging instruments	4	2
Foreign exchange contracts | Accrued expenses and other liabilities
Liability derivatives included in accrued expenses and other liabilities
Interest rate contracts designated as hedging instruments	0	0
Derivatives designated as Hedging Instruments | Interest rate contracts | Accrued income and other assets
Derivatives, Fair Value [Line Items]
Notional Value	42,515	42,461
Derivatives designated as Hedging Instruments | Foreign exchange contracts | Accrued income and other assets
Derivatives, Fair Value [Line Items]
Notional Value	204	202
Derivatives not designated as Hedging Instruments | Accrued income and other assets
Derivatives, Fair Value [Line Items]
Notional Value	90,679	86,512
Derivatives not designated as Hedging Instruments | Interest rate contracts | Accrued income and other assets
Derivatives, Fair Value [Line Items]
Notional Value	40,809	37,562
Derivatives not designated as Hedging Instruments | Foreign exchange contracts | Accrued income and other assets
Derivatives, Fair Value [Line Items]
Notional Value	5,621	4,889
Derivatives not designated as Hedging Instruments | Commodities contracts | Accrued income and other assets
Derivatives, Fair Value [Line Items]
Notional Value	852	762
Derivatives not designated as Hedging Instruments | Equity contracts | Accrued income and other assets
Derivatives, Fair Value [Line Items]
Notional Value	$ 678	$ 636

DERIVATIVE FINANCIAL INSTRUME_4

DERIVATIVE FINANCIAL INSTRUMENTS - Gain (Loss) (Details) - Derivatives not designated as Hedging Instruments - Fair Value Hedging - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022
Derivative Instruments, Gain (Loss) [Line Items]
Amount of Gain or (Loss) Recognized in Income on Derivative	$ 28	$ (25)
Interest rate contracts | Capital markets fees
Derivative Instruments, Gain (Loss) [Line Items]
Amount of Gain or (Loss) Recognized in Income on Derivative	7	10
Interest rate contracts | Mortgage banking income
Derivative Instruments, Gain (Loss) [Line Items]
Amount of Gain or (Loss) Recognized in Income on Derivative	9	(47)
Interest rate swaptions | Other noninterest income
Derivative Instruments, Gain (Loss) [Line Items]
Amount of Gain or (Loss) Recognized in Income on Derivative	(1)	0
Foreign exchange contracts | Capital markets fees
Derivative Instruments, Gain (Loss) [Line Items]
Amount of Gain or (Loss) Recognized in Income on Derivative	12	10
Commodities contracts | Capital markets fees
Derivative Instruments, Gain (Loss) [Line Items]
Amount of Gain or (Loss) Recognized in Income on Derivative	2	1
Equity contracts | Other noninterest expense
Derivative Instruments, Gain (Loss) [Line Items]
Amount of Gain or (Loss) Recognized in Income on Derivative	$ (1)	$ 1

DERIVATIVE FINANCIAL INSTRUME_5

DERIVATIVE FINANCIAL INSTRUMENTS - Asset and Liability Management (Details) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022	Dec. 31, 2022
Notional Disclosures [Abstract]
Notional Value	$ 44,190		$ 42,636
Increase (decrease) to net interest income due to derivative adjustment	(52)	$ 39
Not Designated as Hedging Instrument, Economic Hedge
Notional Disclosures [Abstract]
Notional Value	1,675		175
Fair Value Hedging | Derivatives designated as Hedging Instruments
Notional Disclosures [Abstract]
Notional Value	19,690		18,136
Cash Flow Hedging | Derivatives designated as Hedging Instruments
Notional Disclosures [Abstract]
Notional Value	22,825		24,325
Investment securities
Notional Disclosures [Abstract]
Notional Value	13,461		10,407
Investment securities | Not Designated as Hedging Instrument, Economic Hedge
Notional Disclosures [Abstract]
Notional Value	1,500		0
Investment securities | Fair Value Hedging | Derivatives designated as Hedging Instruments
Notional Disclosures [Abstract]
Notional Value	11,961		10,407
Investment securities | Cash Flow Hedging | Derivatives designated as Hedging Instruments
Notional Disclosures [Abstract]
Notional Value	0		0
Loans
Notional Disclosures [Abstract]
Notional Value	23,000		24,500
Loans | Not Designated as Hedging Instrument, Economic Hedge
Notional Disclosures [Abstract]
Notional Value	175		175
Loans | Fair Value Hedging | Derivatives designated as Hedging Instruments
Notional Disclosures [Abstract]
Notional Value	0		0
Loans | Cash Flow Hedging | Derivatives designated as Hedging Instruments
Notional Disclosures [Abstract]
Notional Value	22,825		24,325
Long-term debt
Notional Disclosures [Abstract]
Notional Value	7,729		7,729
Long-term debt | Not Designated as Hedging Instrument, Economic Hedge
Notional Disclosures [Abstract]
Notional Value	0		0
Long-term debt | Fair Value Hedging | Derivatives designated as Hedging Instruments
Notional Disclosures [Abstract]
Notional Value	7,729		7,729
Long-term debt | Cash Flow Hedging | Derivatives designated as Hedging Instruments
Notional Disclosures [Abstract]
Notional Value	$ 0		$ 0

DERIVATIVE FINANCIAL INSTRUME_6

DERIVATIVE FINANCIAL INSTRUMENTS - Fair Value Hedges (Details) - USD ($) $ in Millions	3 Months Ended		12 Months Ended
	Mar. 31, 2023	Mar. 31, 2022	Dec. 31, 2022
Derivative Instruments, Gain (Loss) [Line Items]
Cumulative basis adjustments associated with hedging relationships	$ 689		$ 849
Fair value hedging adjustments	(70)		(70)
Investment Securities
Derivative Instruments, Gain (Loss) [Line Items]
Amortized Cost	19,619		18,029
Cumulative Amount of Fair Value Hedging Adjustment To Hedged Items	(798)		(979)
Amortized cost basis of the closed portfolios used in hedging relationships	18,800
Cumulative basis adjustments associated with hedging relationships	(689)
Designated hedged items	11,100
Interest Rate Swap
Derivative Instruments, Gain (Loss) [Line Items]
Designated hedged items	869
Subordinated notes
Derivative Instruments, Gain (Loss) [Line Items]
Amortized Cost	7,293		7,175
Cumulative Amount of Fair Value Hedging Adjustment To Hedged Items	(140)		$ (256)
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	(182)	$ 418
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	181	(430)
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	116	(98)
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	$ (116)	$ 98

DERIVATIVE FINANCIAL INSTRUME_7

DERIVATIVE FINANCIAL INSTRUMENTS - Cash Flow Hedges (Details) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2023	Dec. 31, 2022
Derivative Instruments, Gain (Loss) [Line Items]
Notional Value	$ 44,190	$ 42,636
Net losses recognized in AOCI expected to be reclassed	(181)
Loans
Derivative Instruments, Gain (Loss) [Line Items]
Notional Value	$ 23,000	$ 24,500

DERIVATIVE FINANCIAL INSTRUME_8

DERIVATIVE FINANCIAL INSTRUMENTS - MSR Hedging Activities (Details) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022	Dec. 31, 2022
Derivative Instruments and Hedging Activities Disclosures [Line Items]
Remaining maturity	1 year
Notional Value	$ 44,190		$ 42,636
Derivative used in Mortgage Banking Activities
Derivative Instruments and Hedging Activities Disclosures [Line Items]
Derivative, fair value, net	4		(3)
Notional Value	1,135		1,120
Trading assets	5		4
Trading liabilities	(64)		(78)
Trading gains (losses)	9	$ (47)
Commitments to sell loans
Derivative Instruments and Hedging Activities Disclosures [Line Items]
Commitments to sell residential real estate loans	$ 1,100		$ 766

DERIVATIVE FINANCIAL INSTRUME_9

DERIVATIVE FINANCIAL INSTRUMENTS - Derivatives Used In Customer Related Activities (Details) - USD ($) $ in Millions	Mar. 31, 2023	Dec. 31, 2022
Derivative [Line Items]
Credit risks from interest rate swaps used for trading purposes	$ 139	$ 118
Derivative used in trading activity
Derivative [Line Items]
Net derivative asset (liability)	61	59
Derivative financial instruments used by Huntington on behalf of customers including offsetting derivatives, notional value	$ 42,700	$ 40,700

DERIVATIVE FINANCIAL INSTRUM_10

DERIVATIVE FINANCIAL INSTRUMENTS - Financial Assets And Liabilities That Are Offset (Details) $ in Millions	3 Months Ended
	Mar. 31, 2023 USD ($) group	Dec. 31, 2022 USD ($)
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Number of primary groups | group	2
Aggregate credit risk, net of collateral	$ 272	$ 227
Investment securities and cash collateral pledged by Huntington	237
Investment securities and cash collateral pledged to Huntington	$ 951

DERIVATIVE FINANCIAL INSTRUM_11

DERIVATIVE FINANCIAL INSTRUMENTS - Offsetting Assets (Details) - USD ($) $ in Millions	Mar. 31, 2023	Dec. 31, 2022
Offsetting Derivative Assets [Abstract]
Gross amounts of recognized assets	$ 1,990	$ 2,164
Gross amounts offset in the condensed consolidated balance sheets	1,564	1,808
Net amounts of assets presented in the condensed consolidated balance sheets	426	356
Gross amounts not offset in the condensed consolidated balance sheets, Financial instruments	(66)	(7)
Gross amounts not offset in the condensed consolidated balance sheets, cash collateral received	(20)	(56)
Net amount	$ 340	$ 293

DERIVATIVE FINANCIAL INSTRUM_12

DERIVATIVE FINANCIAL INSTRUMENTS - Offsetting Liabilities (Details) - USD ($) $ in Millions	Mar. 31, 2023	Dec. 31, 2022
Offsetting Derivative Liabilities [Abstract]
Gross amounts of recognized liabilities	$ 1,598	$ 2,337
Gross amounts offset in the condensed consolidated balance sheets	(861)	(1,345)
Derivative liabilities	737	992
Gross amounts not offset in the condensed consolidated balance sheets, Financial instruments	0	(79)
Gross amounts not offset in the condensed consolidated balance sheets, Cash collateral received	(92)	(118)
Net amount	$ 645	$ 795

Variable Interest Entities - Un

Variable Interest Entities - Unconsolidated VIEs (Details) - USD ($) $ in Millions	Mar. 31, 2023	Dec. 31, 2022
Variable Interest Entity [Line Items]
Total Assets	$ 189,070	$ 182,906
Total Liabilities	170,259	165,137
Variable Interest Entity
Variable Interest Entity [Line Items]
Total Assets	2,712	2,572
Total Liabilities	1,718	1,649
Maximum Exposure to Loss	2,698	2,558
Affordable Housing Tax Credit Partnerships | Variable Interest Entity
Variable Interest Entity [Line Items]
Total Assets	2,141	2,036
Total Liabilities	1,326	1,260
Maximum Exposure to Loss	2,141	2,036
Trust Preferred Securities | Variable Interest Entity
Variable Interest Entity [Line Items]
Total Assets	14	14
Total Liabilities	248	248
Maximum Exposure to Loss	0	0
Other Investments | Variable Interest Entity
Variable Interest Entity [Line Items]
Total Assets	557	522
Total Liabilities	144	141
Maximum Exposure to Loss	$ 557	$ 522

Variable Interest Entities - Na

Variable Interest Entities - Narrative (Details) - USD ($)	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Affordable housing investments, impairment	$ 0	$ 0

Variable Interest Entities - Lo

Variable Interest Entities - Low Income Housing Tax Credit Partnerships (Details) - Variable Interest Entity - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022	Dec. 31, 2022
Affordable Housing Tax Credit Partnerships
Variable Interest Entity [Line Items]
Affordable housing tax credit investments	$ 3,050		$ 2,891
Less: amortization	(909)		(855)
Net affordable housing tax credit investments	2,141		2,036
Unfunded commitments	1,326		$ 1,260
Tax credits and other tax benefits recognized	66	$ 53
Proportional Amortization Method
Variable Interest Entity [Line Items]
Proportional amortization expense included in provision for income taxes	$ 54	$ 41

COMMITMENTS AND CONTINGENT LI_3

COMMITMENTS AND CONTINGENT LIABILITIES - Commitments to Extend Credit (Details) - USD ($) $ in Millions	Mar. 31, 2023	Dec. 31, 2022
Commercial
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Contract amount represents credit risk	$ 32,634	$ 32,500
Consumer
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Contract amount represents credit risk	19,482	19,064
Commercial real estate
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Contract amount represents credit risk	3,199	3,393
Standby letters of credit
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Contract amount represents credit risk	696	714
Commercial | Commercial letters of credit
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Contract amount represents credit risk	$ 51	$ 15

COMMITMENTS AND CONTINGENT LI_4

COMMITMENTS AND CONTINGENT LIABILITIES - Narrative (Details) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2023	Dec. 31, 2022
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	$ 29	$ 27
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
	Mar. 31, 2023 USD ($) segment	Mar. 31, 2022 USD ($)	Dec. 31, 2022 USD ($)
Segment Reporting Information [Line Items]
Number of reporting segments | segment	4
Net interest income	$ 1,409	$ 1,146
Provision for credit losses	85	25
Noninterest income	512	499
Noninterest expense	1,086	1,053
Provision (benefit) for income taxes	144	105
Income attributable to non-controlling interest	4	2
Net income attributable to Huntington	602	460
Total Assets	189,070		$ 182,906
Total deposits	145,278		147,914
Operating Segments | Consumer & Business Banking
Segment Reporting Information [Line Items]
Net interest income	977	459
Provision for credit losses	26	(109)
Noninterest income	223	272
Noninterest expense	630	612
Provision (benefit) for income taxes	114	47
Income attributable to non-controlling interest	0	0
Net income attributable to Huntington	430	181
Total Assets	38,275		38,561
Total deposits	94,729		93,676
Operating Segments | Commercial Banking
Segment Reporting Information [Line Items]
Net interest income	570	418
Provision for credit losses	40	131
Noninterest income	157	141
Noninterest expense	280	248
Provision (benefit) for income taxes	85	38
Income attributable to non-controlling interest	4	2
Net income attributable to Huntington	318	140
Total Assets	65,183		63,812
Total deposits	35,243		37,509
Operating Segments | Vehicle Finance
Segment Reporting Information [Line Items]
Net interest income	114	120
Provision for credit losses	20	(7)
Noninterest income	3	3
Noninterest expense	41	45
Provision (benefit) for income taxes	12	18
Income attributable to non-controlling interest	0	0
Net income attributable to Huntington	44	67
Total Assets	21,767		21,461
Total deposits	1,018		1,136
Operating Segments | RBPCG
Segment Reporting Information [Line Items]
Net interest income	68	49
Provision for credit losses	(1)	10
Noninterest income	117	66
Noninterest expense	81	81
Provision (benefit) for income taxes	22	5
Income attributable to non-controlling interest	0	0
Net income attributable to Huntington	83	19
Total Assets	10,134		10,045
Total deposits	9,009		9,550
Treasury / Other
Segment Reporting Information [Line Items]
Net interest income	(320)	100
Provision for credit losses	0	0
Noninterest income	12	17
Noninterest expense	54	67
Provision (benefit) for income taxes	(89)	(3)
Income attributable to non-controlling interest	0	0
Net income attributable to Huntington	(273)	$ 53
Total Assets	53,711		49,027
Total deposits	$ 5,279		$ 6,043