Huntington Bancshares (HBAN) 10-K 16 Feb 24 2023 FY Annual report Financial data

Cover Page

Cover Page - USD ($)	12 Months Ended
	Dec. 31, 2023	Jan. 31, 2024	Jun. 30, 2023
Entity Information [Line Items]
Document Type	10-K
Document Annual Report	true
Document Period End Date	Dec. 31, 2023
Current Fiscal Year End Date	--12-31
Entity File Number	1-34073
Entity Registrant Name	Huntington Bancshares Incorporated
Entity Incorporation, State or Country Code	MD
Entity Tax Identification Number	31-0724920
Entity Address, Address Line One	41 South High Street
Entity Address, City or Town	Columbus,
Entity Address, State or Province	OH
Entity Address, Postal Zip Code	43287
City Area Code	614
Local Phone Number	480-2265
Entity Well-known Seasoned Issuer	Yes
Entity Voluntary Filers	No
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Large Accelerated Filer
Entity Small Business	false
Entity Emerging Growth Company	false
ICFR Auditor Attestation Flag	true
Document Financial Statement Error Correction [Flag]	false
Entity Shell Company	false
Entity Public Float			$ 15,337,338,365
Entity Common Stock, Shares Outstanding		1,448,345,863
Documents Incorporated by Reference	Part III of this Form 10-K incorporates by reference certain information from the registrant’s definitive Proxy Statement for the 2024 Annual Shareholders’ Meeting.
Entity Central Index Key	0000049196
Document Transition Report	false
Amendment Flag	false
Document Fiscal Year Focus	2023
Document Fiscal Period Focus	FY
Depositary Shares (each representing a 1/40th interest in a share of 6.250% Series D Non-Cumulative, perpetual preferred stock)
Entity Information [Line Items]
Title of 12(b) Security	Depositary Shares (each representing a 1/40th interest in a share of 4.500% Series H Non-Cumulative, perpetual preferred stock)
Trading Symbol	HBANP
Security Exchange Name	NASDAQ
Depositary Shares (each representing a 1/1000th interest in a share of 5.70% Series I Non-Cumulative, perpetual 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
Depositary Shares (each representing a 1/40th interest in a share of 6.875% Series J Non-Cumulative, perpetual preferred stock)
Entity Information [Line Items]
Title of 12(b) Security	Depositary Shares (each representing a 1/40th interest in a share of 6.875% 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

Audit Information

Audit Information	12 Months Ended
	Dec. 31, 2023
Audit Information [Abstract]
Auditor Firm ID	238
Auditor Name	PricewaterhouseCoopers LLP
Auditor Location	Columbus, Ohio

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($) $ in Millions		Dec. 31, 2023	Dec. 31, 2022
Assets
Cash and due from banks		$ 1,558	$ 1,796
Interest-earning deposits with banks		8,765	5,122
Trading account securities		125	19
Available-for-sale securities		25,305	23,423
Held-to-maturity securities		15,750	17,052
Other securities		725	854
Loans held for sale (includes $506 and $520 respectively, measured at fair value)(1)	[1]	516	529
Loans and leases (includes $174 and $185 respectively, measured at fair value)(1)	[1]	121,982	119,523
Allowance for loan and lease losses		(2,255)	(2,121)
Net loans and leases		119,727	117,402
Bank owned life insurance		2,759	2,753
Accrued income and other receivables		1,646	1,573
Premises and equipment		1,109	1,156
Goodwill		5,561	5,571
Servicing rights and other intangible assets		672	712
Other assets		5,150	4,944
Total assets		189,368	182,906
Deposits:
Demand deposits—noninterest-bearing		30,967	38,242
Interest-bearing		120,263	109,672
Total deposits		151,230	147,914
Short-term borrowings		620	2,027
Long-term debt		12,394	9,686
Other liabilities		5,726	5,510
Total liabilities		169,970	165,137
Commitments and Contingent Liabilities (Note 22)
Shareholders’ equity
Preferred stock		2,394	2,167
Common stock		15	14
Capital surplus		15,389	15,309
Less treasury shares, at cost		(91)	(80)
Accumulated other comprehensive income (loss)		(2,676)	(3,098)
Retained earnings		4,322	3,419
Total Huntington Bancshares Inc shareholders’ equity		19,353	17,731
Non-controlling interest		45	38
Total equity		19,398	17,769
Total liabilities and shareholders’ equity		$ 189,368	$ 182,906
Common shares authorized (par value of $0.01) (in shares)		2,250,000,000	2,250,000,000
Common shares outstanding (in shares)		1,448,319,953	1,443,068,036
Treasury shares outstanding (in shares)		7,403,008	6,322,052
Preferred stock, authorized shares (in shares)		6,617,808	6,617,808
Preferred shares outstanding (in shares)		881,587	557,500
[1] Amounts represent loans for which Huntington has elected the fair value option. See Note 19 - “ Fair Values of Assets and Liabilities .”

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parenthetical) - USD ($) $ in Millions	Dec. 31, 2023	Dec. 31, 2022
Assets
Loans held for sale, fair value	$ 506	$ 520
Loans Accounted for Under FVO	$ 174	$ 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 Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Interest and fee income:
Loans and leases	$ 6,811,000	$ 4,816,000	$ 3,636,000
Available-for-sale securities
Taxable	1,016,000	576,000	261,000
Tax-exempt	104,000	74,000	56,000
Held-to-maturity securities-taxable	401,000	351,000	174,000
Other securities-taxable	53,000	27,000	10,000
Other interest income	531,000	125,000	54,000
Total interest income	8,916,000	5,969,000	4,191,000
Interest expense
Deposits	2,497,000	363,000	45,000
Short-term borrowings	179,000	46,000	1,000
Long-term debt	801,000	287,000	43,000
Total interest expense	3,477,000	696,000	89,000
Net interest income	5,439,000	5,273,000	4,102,000
Provision for credit losses	402,000	289,000	25,000
Net interest income after provision for credit losses	5,037,000	4,984,000	4,077,000
Payments and cash management revenue	585,000	561,000	501,000
Net revenue from contracts with customers	1,400,000	1,318,000	1,113,000
Customer deposit and loan fees	312,000	350,000	310,000
Capital markets and advisory fees	248,000	265,000	156,000
Leasing revenue	112,000	126,000	99,000
Mortgage banking income	109,000	144,000	309,000
Bank owned life insurance income	66,000	56,000	69,000
Gain on sale of loans	14,000	57,000	9,000
Net gains (losses) on sales of securities	(7,000)	0	9,000
Other noninterest income	80,000	43,000	76,000
Total noninterest income	1,921,000	1,981,000	1,889,000
Personnel costs	2,529,000	2,401,000	2,335,000
Outside data processing and other services	605,000	610,000	850,000
Deposit and other insurance expense	302,000	67,000	51,000
Equipment	263,000	269,000	248,000
Net occupancy	246,000	246,000	277,000
Marketing	115,000	91,000	89,000
Professional services	99,000	77,000	113,000
Amortization of intangibles	50,000	53,000	48,000
Lease financing equipment depreciation	27,000	45,000	41,000
Other noninterest expense	338,000	342,000	323,000
Total noninterest expense	4,574,000	4,201,000	4,375,000
Income before income taxes	2,384,000	2,764,000	1,591,000
Provision for income taxes	413,000	515,000	294,000
Income after income taxes	1,971,000	2,249,000	1,297,000
Income attributable to non-controlling interest	20,000	11,000	2,000
Net income attributable to Huntington Bancshares Inc	1,951,000	2,238,000	1,295,000
Dividends on preferred shares	142,000	113,000	131,000
Impact of preferred stock redemption	(8,000)	0	11,000
Net income available to common shareholders	$ 1,817,000	$ 2,125,000	$ 1,153,000
Average common shares—basic (in shares)	1,446,449	1,441,279	1,262,435
Average common shares—diluted (in shares)	1,468,016	1,465,220	1,286,733
Per common share:
Net income - basic (in USD per share)	$ 1.26	$ 1.47	$ 0.91
Net income - diluted (in USD per share)	$ 1.24	$ 1.45	$ 0.90
Wealth and asset management revenue
Interest expense
Net revenue from contracts with customers	$ 328,000	$ 300,000	$ 269,000
Insurance income
Interest expense
Net revenue from contracts with customers	$ 74,000	$ 79,000	$ 82,000

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Statement of Comprehensive Income [Abstract]
Net income attributable to Huntington Bancshares Inc	$ 1,951	$ 2,238	$ 1,295
Other comprehensive income, net of tax:
Unrealized (losses) gains on available-for-sale securities, net of hedges	154	(2,184)	(254)
Net change related to cash flow hedges on loans	269	(695)	(192)
Translations adjustments, net of hedges	2	(5)	(3)
Change in accumulated unrealized gains for pension and other post-retirement obligations	(3)	15	28
Other comprehensive income (loss), net of tax	422	(2,869)	(421)
Comprehensive (loss) income attributable to Huntington Bancshares	2,373	(631)	874
Comprehensive income attributed to non-controlling interest	20	11	2
Comprehensive income (loss)	$ 2,393	$ (620)	$ 876

Consolidated Statements of Chan

Consolidated Statements of Changes in Shareholders' Equity - USD ($) $ in Millions	Total	Total	Preferred Stock	Common Stock	Capital Surplus	Treasury Stock	AOCI	Retained Earnings	Noncontrolling Interest	Common Stock	Common Stock Total	Common Stock Capital Surplus	Series I Preferred Stock	Series I Preferred Stock Total	Series I Preferred Stock Preferred Stock	Series I Preferred Stock Capital Surplus	Series D Preferred Stock	Series D Preferred Stock Total	Series D Preferred Stock Preferred Stock	Series D Preferred Stock Capital Surplus	Series D Preferred Stock Retained Earnings
Balance, beginning of year at Dec. 31, 2020	$ 12,993	$ 12,993	$ 2,191	$ 10	$ 8,781	$ (59)	$ 192	$ 1,878	$ 0
Balance, beginning of year (in shares) at Dec. 31, 2020				1,022,258,000
Balance, beginning of year, treasury stock (in shares) at Dec. 31, 2020						(5,062,000)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	1,297	1,295						1,295	2
Other comprehensive income, net of tax	(421)	(421)					(421)
Net proceeds from issuance of stock	486	486	486
Issuance of common stock (in shares)				458,171,000
Issuance of stock	6,961	6,961		$ 5	6,993	$ (37)							$ 185	$ 185	$ 175	$ 10
Non-controlling interest acquired	22								22
Repurchase of stock (in shares)				(43,139,000)
Repurchase of preferred stock										$ (650)	$ (650)	$ (650)					$ (700)	$ (700)	$ (685)	$ (4)	$ (11)
Cash dividends declared:
Cash dividends declared, common stock	(826)	(826)						(826)
Cash dividends declared, preferred stock	(131)	(131)						(131)					(7)				(18)
Recognition of the fair value of share-based compensation	129	129			129
Other share-based compensation activity (in shares)				6,750,000
Other share-based compensation activity	(38)	(38)		$ (1)	(37)
Other (in shares)						(1,236,000)
Other	11	14			0	$ 17		(3)	(3)
Balance, end of year (in shares) at Dec. 31, 2021				1,444,040,000
Balance, end of year, treasury stock (in shares) at Dec. 31, 2021						(6,298,000)
Balance, end of year at Dec. 31, 2021	19,318	19,297	2,167	$ 14	15,222	$ (79)	(229)	2,202	21
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	2,249	2,238						2,238	11
Other comprehensive income, net of tax	(2,869)	(2,869)					(2,869)
Cash dividends declared:
Cash dividends declared, common stock	(908)	(908)						(908)
Cash dividends declared, preferred stock	(113)	(113)						(113)					(10)				0
Recognition of the fair value of share-based compensation	105	105			105
Other share-based compensation activity (in shares)				5,350,000
Other share-based compensation activity	(19)	(19)			(19)
Other (in shares)						(24,000)
Other	$ 6				1	$ (1)			6
Balance, end of year (in shares) at Dec. 31, 2022	1,443,068,036			1,449,390,000
Balance, end of year, treasury stock (in shares) at Dec. 31, 2022	(6,322,052)					(6,322,000)
Balance, end of year at Dec. 31, 2022	$ 17,769	17,731	2,167	$ 14	15,309	$ (80)	(3,098)	3,419	38
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	1,971	1,951						1,951	20
Other comprehensive income, net of tax	422	422					422
Net proceeds from issuance of stock	317	317	317
Repurchase of preferred stock	(82)	(82)	(90)					8
Cash dividends declared:
Cash dividends declared, common stock	(911)	(911)						(911)
Cash dividends declared, preferred stock	(142)	(142)						(142)					$ (10)				$ 0
Recognition of the fair value of share-based compensation	97	97			97
Other share-based compensation activity (in shares)				6,333,000
Other share-based compensation activity	(19)	(19)		$ 1	(17)			(3)
Other (in shares)						(1,081,000)
Other	$ (24)	(11)				$ (11)			(13)
Balance, end of year (in shares) at Dec. 31, 2023	1,448,319,953			1,455,723,000
Balance, end of year, treasury stock (in shares) at Dec. 31, 2023	(7,403,008)					(7,403,000)
Balance, end of year at Dec. 31, 2023	$ 19,398	$ 19,353	$ 2,394	$ 15	$ 15,389	$ (91)	$ (2,676)	$ 4,322	$ 45

Consolidated Statements of Ch_2

Consolidated Statements of Changes in Shareholders' Equity (Parenthetical) - $ / shares	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Statement of Stockholders' Equity [Abstract]
Common stock, cash dividend per share (in USD per share)	$ 0.62	$ 0.62	$ 0.605

Consolidated Statements of Cash

Consolidated Statements of Cash Flows - USD ($) $ in Millions		12 Months Ended
		Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Operating activities
Net income		$ 1,971	$ 2,249	$ 1,297
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for credit losses		402	289	25
Depreciation and amortization		798	484	391
Share-based compensation expense		97	105	129
Deferred income tax expense (benefit)		(302)	319	(76)
Net change in:
Trading account securities		(106)	27	16
Loans held for sale		(83)	675	(56)
Other assets		(491)	(1,156)	366
Other liabilities		341	1,024	27
Other, net		30	11	(57)
Net cash provided by operating activities		2,657	4,027	2,062
Investing activities
Change in interest bearing deposits in banks		23	332	716
Net cash (paid) received from business acquisition			(223)
Net cash (paid) received from business acquisition		0		466
Proceeds from:
Maturities and calls of available-for-sale securities		2,689	4,053	7,275
Maturities and calls of held-to-maturity securities		1,523	2,803	4,151
Maturities and calls of other securities		615	832	0
Sales of available-for-sale securities		767	0	5,892
Sales of other securities		144	41	98
Purchases of available-for-sale securities		(4,965)	(7,107)	(19,936)
Purchases of held-to-maturity securities		(256)	(3,229)	(4,777)
Purchases of other securities		(630)	(1,080)	(126)
Net proceeds from sales of portfolio loans and leases		450	995	517
Principal payments received under direct finance and sales-type leases		1,891	1,882	1,055
Purchases of loans and leases		(71)	(610)	(1,197)
Net loan and lease activity, excluding sales and purchases		(5,108)	(10,169)	3,303
Purchases of premises and equipment		(140)	(214)	(247)
Net accrued income and other receivables activity		(17)	(66)	(653)
Net cash paid for branch disposition		0	0	(618)
Other, net		88	151	119
Net cash used in investing activities		(2,997)	(11,609)	(3,962)
Financing activities
Increase in deposits		3,316	4,651	6,501
Increase (decrease) in short-term borrowings		(1,295)	2,161	(1,245)
Net proceeds from issuance of long-term debt		14,965	11,004	775
Maturity/redemption of long-term debt		(12,376)	(8,017)	(3,404)
Dividends paid on preferred stock		(134)	(113)	(138)
Dividends paid on common stock		(900)	(897)	(750)
Repurchases of common stock		0	0	(650)
Repurchase/redemption of preferred stock		(82)	0	(700)
Net proceeds from issuance of preferred stock		317	0	486
Other, net		(46)	(25)	(48)
Net cash provided by financing activities		3,765	8,764	827
Increase (decrease) in cash and cash equivalents		3,425	1,182	(1,073)
Cash and cash equivalents at beginning of period	[1]	6,704	5,522	6,595
Cash and cash equivalents at end of period	[1]	10,129	6,704	5,522
Supplemental disclosures:
Interest paid		3,359	627	185
Income taxes (refunded) paid		90	(109)	269
Non-cash activities
Loans transferred to held-for-sale from portfolio		439	748	872
Loans transferred to portfolio from held-for-sale		22	126	102
Transfer of securities from available-for-sale to held-to-maturity		$ 0	$ 4,225	$ 3,007
[1]Includes cash and due from banks and interest-earning deposits at the Federal Reserve Bank, included within Interest-earning deposits with banks on our Consolidated Balance Sheets.

Consolidated Statement of Cash

Consolidated Statement of Cash Flows (Parenthetical) $ in Millions	12 Months Ended
	Dec. 31, 2021 USD ($)
TCF Financial Corporation
Business Combination
Fair value of tangible assets acquired	$ 46,300
Goodwill and other intangible assets	3,500
Liabilities assumed	42,600
Common Stock-Par Value $0.01 per share
Business Combination
Stock issued in business combination	7,000
Preferred Stock
Business Combination
Stock issued in business combination	$ 185

SIGNIFICANT ACCOUNTING POLICIES

SIGNIFICANT ACCOUNTING POLICIES	12 Months Ended
	Dec. 31, 2023
Accounting Policies [Abstract]
SIGNIFICANT ACCOUNTING POLICIES	SIGNIFICANT ACCOUNTING POLICIES Nature of Operations — Huntington Bancshares Incorporated (Huntington or the Company) is a multi-state diversified regional bank holding company organized under Maryland law in 1966 and headquartered in Columbus, Ohio. Through its subsidiaries, including its bank subsidiary, The Huntington National Bank (the Bank), Huntington is engaged in providing full-service commercial and consumer deposit, lending, and other banking services. This includes, but is not limited to, payments, mortgage banking, automobile, recreational vehicle and marine financing, investment banking, capital markets, advisory, equipment financing, distribution finance, investment management, trust, brokerage, insurance, and other financial products and services. Huntington’s full-service branches and private client group offices are primarily located in Ohio, Colorado, Illinois, Indiana, Kentucky, Michigan, Minnesota, Pennsylvania, West Virginia, and Wisconsin. Select financial services and other activities are also conducted in other states. Basis of Presentation — The Consolidated Financial Statements include the accounts of Huntington and its majority-owned subsidiaries and are presented in accordance with GAAP. All intercompany transactions and balances are eliminated in consolidation. Entities in which Huntington holds a controlling financial interest are consolidated. For a voting interest entity, a controlling financial interest is generally where Huntington holds, directly or indirectly, more than 50% of the outstanding voting shares. For a VIE, a controlling financial interest is where Huntington has the power to direct the activities of an entity that most significantly impact the entity’s economic performance and has an obligation to absorb losses or the right to receive benefits from the VIE. For consolidated entities where Huntington holds less than a 100% interest, Huntington recognizes non-controlling interest (included in shareholders’ equity) for the equity held by minority shareholders and non-controlling profit or loss (included in income attributable to non-controlling interest) for the portion of the entity’s earnings attributable to minority interests. Investments in companies that are not consolidated are accounted for using the equity method when Huntington has the ability to exert significant influence. Investments in non-marketable equity securities for which Huntington does not have the ability to exert significant influence are generally accounted for using fair value or a cost measurement alternative adjusted for impairment and other changes in observable prices. Investments in private investment partnerships that are accounted for under the equity method or the cost measurement alternative are included in other assets and Huntington’s earnings in equity investments are included in other noninterest income. Investments accounted for under the cost measurement alternative and equity methods are periodically evaluated for impairment. Huntington updated the presentation of our noninterest income categories during the 2023 fourth quarter to align product and service types more closely with how we strategically manage our business. All prior period results have been adjusted to conform to the current presentation. See Note 15 - “ Revenue from Contracts wi th Customers ” for a description of our major noninterest income categories. Use of Estimates —The preparation of financial statements in conformity with GAAP requires management to make estimates and assumptions that significantly affect amounts reported in the Consolidated Financial Statements. Huntington utilizes processes that involve the use of significant estimates and the judgments of management in determining the amount of its allowance for credit losses, income taxes, as well as certain fair value measurements. As with any estimate, actual results could differ from those estimates. Cash and cash equivalents —For statements of cash flows purposes, cash and cash equivalents are defined as the sum of cash and due from banks and interest-bearing deposits at Federal Reserve Bank, included within Interest-bearing deposits with banks on our Consolidated Balance Sheets. Securities — Securities purchased with the intention of recognizing short-term profits or which are actively bought and sold are classified as trading account securities and reported at fair value. The unrealized gains or losses on trading account securities are recorded in other noninterest income. Debt securities purchased that Huntington has the positive intent and ability to hold to their maturity are classified as held-to-maturity securities. Held-to-maturity securities are recorded at amortized cost. All other debt securities are classified as available-for-sale securities. Available-for-sale securities are recognized and measured at fair value with any change in the fair value recognized in other comprehensive income. All equity securities are classified as other securities. Securities transactions are recognized on the trade date (the date the order to buy or sell is executed). The carrying value plus any related AOCI balance of sold securities is used to compute realized gains and losses. Interest on securities, including amortization of premiums and accretion of discounts using the effective interest method over the period to maturity, is included in interest income. Non-marketable equity securities include stock held for membership and regulatory purposes, such as FHLB stock and Federal Reserve Bank stock, and other non-marketable equity securities. These securities are accounted for at cost, evaluated for impairment, and are included in other securities. Other securities also include mutual funds and other marketable equity securities. These securities are carried at fair value, with changes in fair value recognized in other noninterest income. Loans and Leases — Loans for which Huntington has the intent and ability to hold for the foreseeable future, or until maturity or payoff, except loans for which the fair value option has been elected, are carried at the principal amount outstanding, net of charge-offs, unamortized deferred loan origination fees and costs, premiums and discounts, and unearned income. Direct financing leases are reported at the aggregate of lease payments receivable and estimated residual values, net of unearned and deferred income, and any initial direct costs incurred to originate these leases. Renewal options for leases are at the option of the lessee and are typically not included in the measurement of the lease receivable as they are not considered reasonably certain of exercise. Purchase options are typically at fair value, and as such those options are not considered in the measurement of lease receivables or in lease classification. Interest income is accrued as earned using the interest method. Huntington defers the fees it receives from the origination of loans and leases, as well as the direct costs of those activities. Huntington also acquires loans at premiums and/or discounts to their contractual values. Huntington amortizes loan discounts, premiums, and net loan origination fees and costs over the contractual lives of the related loans using the effective interest method. 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 loan 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 is disclosed as a modification to a borrower experiencing financial difficulty. 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. Impairment of the residual values of direct financing leases is evaluated quarterly, with impairment arising if the expected fair value is less than the carrying amount. Huntington assesses net investments in leases (including residual values) for impairment and recognizes impairment losses in accordance with the impairment guidance for financial instruments. As such, net investments in leases may be reduced by an allowance for credit losses, with changes recognized as provision expense. For leased equipment, the residual component of a direct financing lease represents the estimated fair value of the leased equipment at the end of the lease term. Huntington uses industry data, historical experience, and independent appraisals to establish these residual value estimates. Upon expiration of a lease, residual assets are remarketed, resulting in an extension of the lease by the lessee, a lease to a new customer, or purchase of the residual asset by the lessee or another party. Huntington also purchases insurance guaranteeing the value of certain residual assets. Loans Held for Sale — Loans in which Huntington does not have the intent and ability to hold for the foreseeable future are classified as loans held for sale. Loans held for sale are carried at (a) the lower of cost or fair value less costs to sell, or (b) fair value where the fair value option is elected. The fair value option is generally elected for mortgage loans originated with the intent to sell. Nonaccrual and Past Due Loans — Loans are considered past due when the contractual amounts due with respect to principal and interest are not received within 30 days of the contractual due date. Any loan in any portfolio may be placed on nonaccrual status prior to the policies described below when collection of principal or interest is in doubt. When a borrower with debt is discharged in a Chapter 7 bankruptcy and the debt is not reaffirmed by the borrower, the loan is determined to be collateral dependent and placed on nonaccrual status, unless there is a co-borrower or the repayment is likely to occur based on objective evidence. All classes within the commercial loan and lease portfolio are placed on nonaccrual status at 90-days past due. First-lien home equity loans are placed on nonaccrual status at 150-days past due. Junior-lien home equity loans are placed on nonaccrual status at the earlier of 120-days past due or when the related first-lien loan has been identified as nonaccrual. Automobile, RV and marine, and other consumer loans are generally fully charged-off at 120-days past due, and if not fully charged-off are placed on non-accrual. Residential mortgage loans are placed on nonaccrual status at 150-days past due, with the exception of residential mortgages guaranteed by government agencies which continue to accrue interest at the rate guaranteed by the government agency. For all classes within all loan portfolios, when a loan is placed on nonaccrual status, any accrued interest is reversed and charged against interest income. For all classes within all loan portfolios, cash receipts on NALs are applied against principal until the loan or lease has been collected in full, including the charged-off portion, after which time any additional cash receipts are recognized as interest income. However, for secured non-reaffirmed debt in a Chapter 7 bankruptcy, payments are applied to principal and interest when the borrower has demonstrated a capacity to continue payment of the debt and collection of the debt is reasonably assured. For unsecured non-reaffirmed debt in a Chapter 7 bankruptcy where the carrying value has been fully charged-off, payments are recorded as loan recoveries. Management monitors several factors to evaluate a borrower’s financial condition and their ability to make principal and interest payments. When, in management’s judgment, the borrower’s ability to make required principal and interest payments resumes and collectability is no longer in doubt, supported by sustained repayment history, the loan is returned to accrual status. For loans that are returned to accrual status, cash receipts are applied according to the contractual terms of the loan. Collateral-dependent Loans — Certain commercial and consumer loans for which repayment is expected to be provided substantially through the operation or sale of the loan collateral are considered to be collateral-dependent. Allowance for Credit Losses — Huntington performs an ACL evaluation on its loan and lease portfolio, held-to-maturity securities as well as on available-for-sale securities. The ACL on loan and lease portfolio and held-to-maturity securities are provided through an expected loss methodology referred to as CECL methodology. The ACL on AFS securities is provided when a credit loss is deemed to have occurred for securities which Huntington does not intend to sell or is not required to sell. The CECL methodology also applies to credit exposures on off-balance-sheet loan commitments, financial guarantees not accounted for as insurance, including standby letters of credit, and other similar instruments not recognized as derivative financial instruments. Loan and Lease portfolio - The ACL is deducted from the amortized cost basis of a financial asset or a group of financial assets so that the balance sheet reflects the net amount Huntington expects to collect. Amortized cost is the principal balance outstanding, net of purchase premiums and discounts, fair value hedge accounting adjustments, and deferred fees and costs. Subsequent changes (favorable and unfavorable) in expected credit losses are recognized immediately in net income as a provision for credit losses or a reversal of provision for credit losses. Management estimates the allowance by utilizing models dependent upon loan risk characteristics and economic parameters. Commercial loan risk characteristics include but are not limited to risk ratings, industry type and maturity type. Consumer loan risk characteristics include but are not limited to FICO scores, LTV, and loan vintages. The economic parameters are developed using available information relating to past events, current conditions, and reasonable and supportable forecasts. Huntington’s reasonable and supportable forecast period reverts to a historical norm based on inputs within approximately two to three years. The reversion period is dependent on the state of the economy at the beginning of the forecast. Historical credit experience provides the basis for the estimation of expected credit losses, with adjustments made for differences in current loan-specific risk characteristics such as differences in underwriting standards, portfolio mix, delinquency levels and terms, as well as for changes in the macroeconomic environment. The contractual terms of financial assets are adjusted for expected prepayments and any extensions outside of Huntington’s control. The ACL is measured on a collective basis when similar risk characteristics exist. Loans that are determined to have unique risk characteristics are evaluated on an individual basis by management. If a loan is determined to be collateral dependent or meets the criteria to apply the collateral dependent practical expedient, expected credit losses are determined based on the fair value of the collateral at the reporting date, less costs to sell as appropriate. Management believes the products within each of the entity’s portfolio classes exhibit similar risk characteristics. Huntington has identified its portfolio classes as disclosed in Note 5 - “ Loans and Leases .” In addition to the transaction reserve described above, Huntington also maintains a general reserve that consists of various risk-profile reserve components. The risk-profile components consider items unique to Huntington’s structure, policies, processes, and portfolio composition, as well as qualitative measurements and assessments of the loan portfolios including, but not limited to, economic uncertainty, concentrations, portfolio composition, industry comparisons and internal review functions. Huntington has elected to exclude accrued interest receivable from the measurement of its ACL given the well-defined non-accrual policies in place for all loan portfolios which results in timely reversal of outstanding interest through interest income. The estimate for the off-balance sheet exposures, the AULC, is determined using the same procedures and methodologies as used for the loan and lease portfolio supplemented by the information related to future draws and related credit loss expectations. The AULC is recorded in other liabilities in the Consolidated Balance Sheets. HTM Securities - The allowance for held-to-maturity debt securities is estimated using a CECL methodology. Any expected credit loss is provided through the allowance for credit loss on HTM securities and is deducted from the amortized cost basis of the security so that the balance sheet reflects the net amount Huntington expects to collect. Nearly all of Huntington’s HTM debt securities are issued by U.S. government entities and agencies. These securities are either explicitly or implicitly guaranteed by the U.S. government, are highly rated by major rating agencies, and have a long history of no credit losses. Accordingly, there is a zero credit loss expectation on these securities. AFS Securitie s - Huntington evaluates its available-for-sale investment securities portfolio on a quarterly basis for indicators of impairment. Huntington assesses whether an impairment has occurred when the fair value of a debt security is less than the amortized cost at the balance sheet date. Management reviews the amount of unrealized loss, the credit rating history, market trends of similar security classes, time remaining to maturity, and the source of both interest and principal payments to identify securities which could potentially be impaired. For those debt securities that Huntington intends to sell or is more likely than not required to sell, before the recovery of their amortized cost basis, the difference between fair value and amortized cost is considered to be impaired and is recognized in provision for credit losses. For those debt securities that Huntington does not intend to sell or is not more likely than not required to sell, prior to expected recovery of amortized cost basis, the credit portion of the impairment is recognized through an allowance in provision for credit losses while the noncredit portion is recognized in OCI. In determining the credit portion, Huntington uses a discounted cash flow analysis, which includes evaluating the timing and amount of the expected cash flows. Non-credit-related impairment results from other factors, including increased liquidity spreads and higher interest rates. Charge-off of Uncollectible Loans — Any loan in any portfolio may be charged-off prior to the policies described below if a loss confirming event has occurred. Loss confirming events include, but are not limited to, bankruptcy (unsecured), continued delinquency, foreclosure, or receipt of an asset valuation indicating a collateral deficiency and that asset is the sole source of repayment. Additionally, discharged, collateral dependent non-reaffirmed debt in Chapter 7 bankruptcy filings will result in a charge-off to estimated collateral value, less anticipated selling costs, unless the repayment is likely to occur based on objective evidence. Commercial loans and leases are generally either charged-off or written down to net realizable value at 90-days past due. Automobile, RV and marine, and other consumer loans are generally charged-off at 120-days past due. First-lien and junior-lien home equity loans are charged-off to the estimated fair value of the collateral, less anticipated selling costs, at 150-days past due and 120-days past due, respectively. Residential mortgages are charged-off to the estimated fair value of the collateral at 150-days past due. Collateral — Huntington pledges assets as collateral as required for various transactions including security repurchase agreements, public deposits, loan notes, derivative financial instruments, short-term borrowings, and long-term borrowings. Assets that have been pledged as collateral, including those that can be sold or repledged by the secured party, continue to be reported on the Consolidated Balance Sheets. Huntington also accepts collateral, primarily as part of various transactions including derivative instruments and security resale agreements. Collateral received is excluded from the Consolidated Balance Sheets. The market value of collateral accepted or pledged is regularly monitored and additional collateral is obtained or provided as necessary to ensure appropriate collateral coverage in these transactions. Premises and Equipment — Premises and equipment are stated at cost, less accumulated depreciation and amortization. Depreciation is computed principally by the straight-line method over the estimated useful lives of the related assets. Buildings and building improvements are depreciated over an average of 30 to 40 years and 10 to 30 years, respectively. Land improvements and furniture and fixtures are depreciated over an average of 5 to 20 years, while equipment is depreciated over a range of 3 to 10 years. Leasehold improvements are amortized over the lesser of the asset’s useful life or the lease term, including any renewal periods for which renewal is reasonably assured. Premises and equipment are evaluated for impairment whenever events or changes in circumstances indicate that the carrying amount of the asset may not be recoverable. Mortgage Servicing Rights — Huntington recognizes the rights to service mortgage loans as an asset when servicing is contractually separated from the underlying mortgage loans by sale or securitization of the loans with servicing rights retained or when purchased. MSRs are included in servicing rights and other intangible assets in the Consolidated Balance Sheets. All MSR assets are recorded using the fair value method. Any change in the fair value of MSRs during the period is recorded in mortgage banking income. Goodwill and Other Intangible Assets — Under the acquisition method of accounting, the net assets of entities acquired by Huntington are recorded at their estimated fair value at the date of acquisition. The excess cost of consideration paid over the fair value of net assets acquired is recorded as goodwill. Goodwill is evaluated for impairment on an annual basis at October 1 st of each year or whenever events or changes in circumstances indicate the carrying value may not be recoverable. Other intangible assets with finite useful lives are amortized either on an accelerated or straight-line basis over their estimated useful lives. Other intangible assets are reviewed for impairment whenever events or changes in circumstances indicate that the carrying amount of the asset may not be recoverable. Operating Leases (Lessee) — Huntington has elected not to include non-lease components in the measurement of right-of-use assets, and as such allocates the costs attributable to such components, where those costs are not separately identifiable, via per-square-foot costing analysis developed by the entity for owned and leased spaces. Huntington uses a portfolio approach to develop discount rates as its lease portfolio is comprised of substantially all branch space and office space used in the entity’s operations. That rate, an input used in the measurement of the entity’s right-of-use assets, leverages an incremental borrowing rate of appropriate tenor and collateralization. Derivative Financial Instruments — A variety of derivative financial instruments, principally interest rate swaps, swaptions, caps, swaption collars, floors, forward contracts, and forward starting interest rate swaps are used in asset and liability management activities to protect against the risk of adverse price or interest rate movements. These instruments provide flexibility in adjusting Huntington’s sensitivity to changes in interest rates without exposure to loss of principal and higher funding requirements. Huntington also uses derivatives, principally loan sale commitments, in hedging its mortgage loan interest rate lock commitments and its mortgage loans held for sale. Mortgage loan sale commitments and the related interest rate lock commitments are carried at fair value on the Consolidated Balance Sheets with changes in fair value reflected in mortgage banking income. Huntington also uses certain derivative financial instruments to offset changes in value of its MSRs. These derivatives consist primarily of forward interest rate agreements and forward mortgage contracts. The derivative instruments used are not designated as qualifying hedges. Accordingly, such derivatives are recorded at fair value with changes in fair value reflected in mortgage banking income. Derivative financial instruments are recorded in the Consolidated Balance Sheets as either an asset or a liability (in other assets and other liabilities, respectively) and measured at fair value. Accounting for changes in fair value of derivatives depends on whether the derivative is designated and qualifies in a hedging relationship. At inception a derivative contract can be designated as: • a qualifying hedge of the fair value of a recognized asset or liability or of an unrecognized firm commitment (fair value hedge); • a qualifying hedge of the variability of cash flows to be received or paid related to a recognized asset, liability or forecasted transaction (cash flow hedge); or • a qualifying hedge of Huntington’s investment in non-U.S. dollar functional currency entities (net investment hedge). Changes in the fair value of a derivative that has been designated and qualifies as a fair value hedge, along with the changes in the fair value of the hedged asset or liability that is attributable to the hedged risk, are recorded in current period earnings. Changes in the fair value of a derivative that has been designated and qualifies as a cash flow hedge are recorded in other comprehensive income, net of income taxes, and reclassified into earnings in the period during which the hedged item affects earnings. Changes in the fair value of derivatives that have been designated as net investment hedges are recorded in other comprehensive income, net of income taxes, and reclassified into earnings during the period the foreign entity is substantially liquidated or other elements of the currency translation adjustment are reclassified into earnings. Changes in the fair value of derivatives which do not qualify for hedge accounting are reported in current period earnings. For those derivatives to which hedge accounting is applied, Huntington formally documents the hedging relationship and the risk management objective and strategy for undertaking the hedge. This documentation identifies the hedging instrument, the hedged item or transaction, the nature of the risk being hedged, and, unless the hedge meets all of the criteria to assume there is no ineffectiveness, the method that will be used to assess the effectiveness of the hedging instrument. Huntington typically assesses effectiveness using statistical regression at inception and on an ongoing basis. Hedge accounting is discontinued prospectively when: • the derivative is no longer effective or expected to be effective in offsetting changes in the fair value, cash flows or changes in net investment of a hedged item (including firm commitments or forecasted transactions); • the derivative expires, is sold, terminated, or exercised; • the forecasted transaction is no longer probable of occurring by the end of the originally specified time period; • the hedged firm commitment no longer meets the definition of a firm commitment; or • the designation of the derivative as a hedging instrument is removed. When hedge accounting is discontinued and the derivative no longer qualifies as an effective fair value, cash flow or net investment hedge, the derivative continues to be carried on the balance sheet at fair value and changes in fair value will be recorded in current period earnings unless re-designated. Like other financial instruments, derivatives contain an element of credit risk, which is the possibility that Huntington will incur a loss because the counterparty fails to meet its contractual obligations. Notional values of interest rate swaps and other off-balance sheet financial instruments significantly exceed the credit risk associated with these instruments and represent contractual balances on which calculations of amounts to be exchanged are based. Credit exposure is limited to the sum of the aggregate fair value of positions that have become favorable to Huntington, including any accrued interest receivable due from counterparties. Potential credit losses are mitigated by derivatives through central clearing parties, careful evaluation of counterparty credit standing, selection of counterparties from a limited group of high quality institutions, collateral agreements, and other contract provisions. Huntington considers the value of collateral held and collateral provided in determining the net carrying value of derivatives. Huntington offsets the fair value amounts recognized for derivative instruments and the fair value for the right to reclaim cash collateral or the obligation to return cash collateral arising from derivative instruments recognized at fair value executed with the same counterparty under a master netting arrangement. Fair Value Measurements — The Company records or discloses certain of its assets and liabilities at fair value. Fair value is defined as the exchange price that would be received for an asset or paid to transfer a liability (an exit price) in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants on the measurement date. Fair value measurements are classified within one of three levels in a valuation hierarchy based upon the observability of inputs to the valuation of an asset or liability as of the measurement date. The three levels are defined as follows: • Level 1 – inputs to the valuation methodology are quoted prices (unadjusted) for identical assets or liabilities in active markets. • Level 2 – inputs to the valuation methodology include quoted prices for similar assets and liabilities in active markets, and inputs that are observable for the asset or liability, either directly or indirectly, for substantially the full term of the financial instrument. • Level 3 – inputs to the valuation methodology are unobservable and significant to the fair value measurement. A financial instrument’s categorization within the valuation hierarchy is based upon the lowest level of input that is significant to the fair value measurement. Bank Owned Life Insurance — Huntington’s bank owned life insurance policies are recorded at their cash surrender value. Huntington recognizes tax-exempt income from the periodic increases in the cash surrender value of these policies and from death benefits. A portion of the cash surrender value is supported by holdings in separate accounts. Book value protection for the separate accounts is provided by the insurance carriers and a highly rated major bank. Transfers of Financial Assets and Securitizations — Transfers of financial assets in which we have surrendered control over the transferred assets are accounted for as sales. In assessing whether control has been surrendered, Huntington considers whether the transferee would be a consolidated affiliate, the existence and extent of any continuing involvement in the transferred financial assets, and the impact of all arrangements or agreements made contemporaneously with, or in contemplation of, the transfer, even if they were not entered into at the time of transfer. Control is generally considered to have been surrendered when (i) the transferred assets have been legally isolated from Huntington or any of its consolidated affiliates, even in bankruptcy or other receivers

ACCOUNTING STANDARDS UPDATE

ACCOUNTING STANDARDS UPDATE	12 Months Ended
	Dec. 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 of 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 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. • Requires 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. • Huntington adopted the standard effective January 1, 2024. on a modified retrospective basis. • Huntington does not expect adoption of the standard to have a material impact on its Consolidated Financial Statements. ASU 2023-07 - Segment Reporting (Topic 280): Improvement to Reportable Segments • Requires disclosure of the position and title of the CODM and significant segment expenses that the CODM is regularly provided. • Requires the disclosure of other segment items representing the difference between segment revenue and expense and the profit and loss measure of the segment. • Allows for the CODM to use more than one measure of segment profit and loss, as long as one measure is consistent with GAAP. • Effective for fiscal years beginning after December 15, 2023, and interim periods within fiscal years beginning after December 15, 2024. • Early adoption is permitted. • The amendments are to be applied retrospectively to all periods presented and segment expense categories should be based on the categories identified at adoption. • Huntington does not expect adoption of the standard to have a material impact on its Consolidated Financial Statements. ASU 2023-09 - Income Taxes (Topic 740): Improvements to Income Tax Disclosures • Requires a tabular rate reconciliation using both percentages and reporting currency amounts between the reported amount of income tax expense (or benefit) to the amount of statutory federal income tax at current rates for specified categories using specified disaggregation criteria. • The amount of net income taxes paid for federal, state, and foreign taxes, as well as the amount paid to any jurisdiction that net taxes exceed a 5% quantitative threshold. • The amendments will require the disclosure of pre-tax income disaggregated between domestic and foreign, as well as income tax expense disaggregated by federal, state, and foreign. • The amendment also eliminates certain disclosures related to unrecognized tax benefits and certain temporary differences. • Effective for fiscal years beginning after December 15, 2024. • Early adoption is permitted in any annual period where financial statements have not yet been issued. • The amendments should be applied on a prospective basis but retrospective application is permitted. • Huntington does not expect adoption of the standard to have a material impact on its Consolidated Financial Statements.

BUSINESS COMBINATIONS

BUSINESS COMBINATIONS	12 Months Ended
	Dec. 31, 2023
Business Combination and Asset Acquisition [Abstract]
BUSINESS COMBINATIONS	BUSINESS COMBINATIONS Capstone Partners On June 15, 2022, Huntington acquired Capstone Partners, a leading middle market investment bank and advisory firm dedicated to servicing middle market companies throughout their full business lifecycle. The acquisition resulted in $192 million of goodwill, allocated to the Commercial Banking segment, which approximates total consideration. The goodwill recognized is deductible for tax purposes. TCF Financial Corporation On June 9, 2021, Huntington closed the acquisition of TCF Financial Corporation in an all-stock transaction valued at $7.2 billion. TCF was a financial holding company headquartered in Detroit, Michigan with operations across the Midwest. The acquisition brought increased scale and market density, as well as added new markets and capabilities. Under the terms of the agreement, TCF shareholders received 3.0028 shares of Huntington common stock for each share of TCF common stock. Holders of TCF common stock also received cash in lieu of fractional shares. In addition, each outstanding share of 5.70% Series C Non-Cumulative Perpetual Preferred Stock of TCF was converted into one share of a newly created series of preferred stock of Huntington, Series I Preferred Stock. Huntington's operating results for the years ended December 31, 2023, December 31, 2022, and December 31, 2021 include the operating results of the acquired assets and assumed liabilities of TCF Financial Corporation subsequent to the acquisition on June 9, 2021. Due to the conversions of TCF system occurring throughout 2021, as well as other streamlining and integration of the operating activities into those of the Company, historical reporting for the former TCF operations is impracticable and thus disclosures of the revenue from the assets acquired and income before income taxes is impracticable for the period subsequent to acquisition.

INVESTMENT SECURITIES AND OTHER

INVESTMENT SECURITIES AND OTHER SECURITIES	12 Months Ended
	Dec. 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. Unrealized (dollar amounts in millions) Amortized Gross Gains Gross Losses Fair Value At December 31, 2023 Available-for-sale securities: U.S. Treasury $ 2,855 $ 1 $ — $ 2,856 Federal agencies: Residential CMO 3,592 — (408) 3,184 Residential MBS 13,155 3 (1,776) 11,382 Commercial MBS 2,536 — (709) 1,827 Other agencies 161 — (6) 155 Total U.S. Treasury, federal agency, and other agency securities 22,299 4 (2,899) 19,404 Municipal securities 3,536 2 (165) 3,373 Private-label CMO 131 — (12) 119 Asset-backed securities 387 — (31) 356 Corporate debt 2,202 79 (238) 2,043 Other securities/Sovereign debt 10 — — 10 Total available-for-sale securities $ 28,565 $ 85 $ (3,345) $ 25,305 Held-to-maturity securities: Federal agencies: Residential CMO $ 4,770 $ 6 $ (664) $ 4,112 Residential MBS 9,368 1 (1,145) 8,224 Commercial MBS 1,509 — (224) 1,285 Other agencies 101 — (6) 95 Total federal agency and other agency securities 15,748 7 (2,039) 13,716 Municipal securities 2 — — 2 Total held-to-maturity securities $ 15,750 $ 7 $ (2,039) $ 13,718 Other securities, at cost: Non-marketable equity securities: Federal Home Loan Bank stock $ 169 $ — $ — $ 169 Federal Reserve Bank stock 507 — — 507 Other non-marketable equity securities 17 — — 17 Other securities, at fair value Mutual funds 30 — — 30 Equity securities 1 1 — 2 Total other securities $ 724 $ 1 $ — $ 725 (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, 2023, accrued interest receivable on available-for-sale securities and held-to-maturity securities totaled $61 million and $36 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 $619 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 Cost (1)(2) 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 Other non-marketable 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. Expected maturities may differ from contractual maturities as issuers may have the right to call or prepay obligations with or without incurring penalties. At December 31, 2023 2022 (dollar amounts in millions) Amortized Cost Fair Value Amortized Cost Fair Value Available-for-sale securities: Under 1 year $ 3,380 $ 3,372 $ 518 $ 511 After 1 year through 5 years 2,484 2,338 2,182 2,033 After 5 years through 10 years 2,392 2,255 3,106 2,814 After 10 years 20,309 17,340 21,297 18,065 Total available-for-sale securities $ 28,565 $ 25,305 $ 27,103 $ 23,423 Held-to-maturity securities: Under 1 year $ 1 $ 1 $ — $ — After 1 year through 5 years 48 46 72 68 After 5 years through 10 years 69 66 71 66 After 10 years 15,632 13,605 16,909 14,620 Total held-to-maturity securities $ 15,750 $ 13,718 $ 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. Less than 12 Months Over 12 Months Total (dollar amounts in millions) Fair Gross Unrealized Fair Gross Unrealized Fair Gross Unrealized At December 31, 2023 Available-for-sale securities: Federal agencies: Residential CMO $ 543 $ (7) $ 2,641 $ (401) $ 3,184 $ (408) Residential MBS 207 (2) 10,913 (1,774) 11,120 (1,776) Commercial MBS — — 1,827 (709) 1,827 (709) Other agencies — — 81 (6) 81 (6) Total federal agency and other agency securities 750 (9) 15,462 (2,890) 16,212 (2,899) Municipal securities 625 (19) 2,496 (146) 3,121 (165) Private-label CMO — — 99 (12) 99 (12) Asset-backed securities — — 281 (31) 281 (31) Corporate debt — — 2,043 (238) 2,043 (238) Total temporarily impaired available-for-sale securities $ 1,375 $ (28) $ 20,381 $ (3,317) $ 21,756 $ (3,345) Held-to-maturity securities: Federal agencies: Residential CMO $ 156 $ (1) $ 3,542 $ (663) $ 3,698 $ (664) Residential MBS — — 8,108 (1,145) 8,108 (1,145) Commercial MBS — — 1,285 (224) 1,285 (224) Other agencies — — 95 (6) 95 (6) Total federal agency and other agency securities 156 (1) 13,030 (2,038) 13,186 (2,039) Total temporarily impaired held-to-maturity securities $ 156 $ (1) $ 13,030 $ (2,038) $ 13,186 $ (2,039) 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) During 2022, Huntington transferred $4.2 billion of securities from the AFS portfolio to the HTM portfolio. At the time of the transfers, AOCI included $58 million of net unrealized losses attributed to these securities. The net unrealized loss will be amortized into interest income over the remaining life of the securities. At December 31, 2023 and December 31, 2022, the carrying value of investment securities pledged to secure public and trust deposits, trading account liabilities, U.S. Treasury demand notes, security repurchase agreements and to support borrowing capacity totaled $35.1 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 December 31, 2023 or December 31, 2022. At December 31, 2023, all HTM debt securities are comprised of securities issued by government sponsored entities or are explicitly guaranteed by the U.S. government. In addition, there were no HTM debt securities considered past due at December 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 December 31, 2023, Huntington has concluded that 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 securities as of December 31, 2023 or December 31, 2022.

LOANS AND LEASES

LOANS AND LEASES	12 Months Ended
	Dec. 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 December 31, (dollar amounts in millions) 2023 2022 Commercial loan and lease portfolio: Commercial and industrial $ 50,657 $ 48,121 Commercial real estate 12,422 13,640 Lease financing 5,228 5,252 Total commercial loan and lease portfolio 68,307 67,013 Consumer loan portfolio: Residential mortgage 23,720 22,226 Automobile 12,482 13,154 Home equity 10,113 10,375 RV and marine 5,899 5,376 Other consumer 1,461 1,379 Total consumer loan portfolio 53,675 52,510 Total loans and leases (1)(2) 121,982 119,523 Allowance for loan and lease losses (2,255) (2,121) Net loans and leases $ 119,727 $ 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 $(323) million and $3 million at December 31, 2023 and 2022, respectively. (2) The total amount of accrued interest recorded for these loans and leases at December 31, 2023, was $333 million and $220 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 Condensed Consolidated Balance Sheet s. Huntington revised its process for assessing and monitoring the risk and performance of non-real estate secured commercial loans, primarily loans to REITs, during the 2023 second quarter. These loans were reclassified from commercial real estate to the commercial and industrial loan category to align reporting with this process revision. All prior period results have been adjusted to conform to the current presentation. Lease Financing The following table presents net investments in lease financing receivables by category. At December 31, (dollar amounts in millions) 2023 2022 Lease payments receivable $ 4,980 $ 4,916 Estimated residual value of leased assets 804 788 Gross investment in lease financing receivables 5,784 5,704 Deferred origination costs 54 46 Deferred fees, unearned income and other (610) (498) Total lease financing receivables $ 5,228 $ 5,252 The carrying value of residual values guaranteed was $478 million and $466 million as of December 31, 2023 and December 31, 2022, respectively. The future lease rental payments due from customers on sales-type and direct financing leases at December 31, 2023, totaled $5.0 billion and were due as follows: $810 million in 2024, $749 million in 2025, $704 million in 2026, $752 million in 2027, $766 million in 2028, and $1.2 billion thereafter. Interest income recognized for these types of leases was $287 million, $249 million, and $193 million for the years 2023, 2022, and 2021, respectively. Nonaccrual and Past Due Loans and Leases The following table presents NALs by class. At December 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 $ 66 $ 344 $ 49 $ 288 Commercial real estate 64 140 63 92 Lease financing 3 14 — 18 Residential mortgage — 72 — 90 Automobile — 4 — 4 Home Equity — 91 — 76 RV and marine — 2 — 1 Total nonaccrual loans and leases $ 133 $ 667 $ 112 $ 569 The total amount of interest recorded to interest income for NAL loans was $21 million, $23 million, and $10 million in 2023, 2022, and 2021, respectively. The following tables present an aging analysis of loans and leases, by class. At December 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 $ 90 $ 48 $ 90 $ 228 $ 50,429 $ — $ 50,657 $ 1 (2) Commercial real estate 28 20 32 80 12,342 — 12,422 — Lease financing 35 15 9 59 5,169 — 5,228 4 Residential mortgage 205 88 193 486 23,060 174 23,720 146 (3) Automobile 89 23 12 124 12,358 — 12,482 9 Home equity 66 32 83 181 9,932 — 10,113 22 RV and marine 17 5 4 26 5,873 — 5,899 3 Other consumer 13 4 4 21 1,440 — 1,461 4 Total loans and leases $ 543 $ 235 $ 427 $ 1,205 $ 120,603 $ 174 $ 121,982 $ 189 At December 31, 2022 Past Due (1) Loans Accounted for Under FVO Total Loans 90 or (dollar amounts in millions) 30-59 Days 60-89 Days 90 or more days Total Current Commercial and industrial $ 53 $ 19 $ 108 $ 180 $ 47,941 $ — $ 48,121 $ 23 (2) Commercial real estate 2 1 9 12 13,628 — 13,640 — Lease financing 36 18 10 64 5,188 — 5,252 9 Residential mortgage 246 69 199 514 21,528 184 22,226 146 (3) 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 mortgage loans insured by U.S. government agencies. Credit Quality Indicators To facilitate the monitoring of credit quality for commercial loans, and for purposes of determining an appropriate ACL level for these loans, Huntington utilizes the following internally defined categories of credit grades: • Pass - Higher quality loans that do not fit any of the other categories described below. • OLEM - The credit risk may be relatively minor yet represents a risk given certain specific circumstances. If the potential weaknesses are not monitored or mitigated, the loan may weaken or the collateral may be inadequate to protect Huntington’s position in the future. For these reasons, Huntington considers the loans to be potential problem loans. • Substandard - Inadequately protected loans resulting from the borrower’s ability to repay, equity, and/or the collateral pledged to secure the loan. These loans have identified weaknesses that could hinder normal repayment or collection of the debt. It is likely Huntington will sustain some loss if any identified weaknesses are not mitigated. • Doubtful - Loans that have all of the weaknesses inherent in those loans classified as Substandard, with the added elements of the full collection of the loan is improbable and that the possibility of loss is high. Loans are generally assigned a category of “Pass” rating upon initial approval and subsequently updated as appropriate based on the borrower’s financial performance. Commercial loans categorized as OLEM, Substandard, or Doubtful are considered Criticized loans. Commercial loans categorized as Substandard or Doubtful are both considered Classified loans. For all classes within the consumer loan portfolios, 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 December 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 $ 14,677 $ 9,889 $ 3,673 $ 2,151 $ 1,187 $ 1,431 $ 14,563 $ 3 $ 47,574 OLEM 213 239 64 20 12 20 462 — 1,030 Substandard 393 305 188 150 83 184 750 — 2,053 Total Commercial and industrial $ 15,283 $ 10,433 $ 3,925 $ 2,321 $ 1,282 $ 1,635 $ 15,775 $ 3 $ 50,657 Commercial real estate Credit Quality Indicator (1): Pass $ 1,395 $ 3,253 $ 1,774 $ 1,063 $ 1,152 $ 1,288 $ 585 $ — $ 10,510 OLEM 163 406 112 65 32 54 60 — 892 Substandard 164 404 176 10 137 114 15 — 1,020 Total Commercial real estate $ 1,722 $ 4,063 $ 2,062 $ 1,138 $ 1,321 $ 1,456 $ 660 $ — $ 12,422 Lease financing Credit Quality Indicator (1): Pass $ 1,973 $ 1,284 $ 828 $ 583 $ 243 $ 106 $ — $ — $ 5,017 OLEM 16 22 6 5 2 9 — — 60 Substandard 20 66 31 16 13 5 — — 151 Total Lease financing $ 2,009 $ 1,372 $ 865 $ 604 $ 258 $ 120 $ — $ — $ 5,228 Residential mortgage Credit Quality Indicator (2): 750+ $ 2,077 $ 3,963 $ 6,028 $ 3,292 $ 749 $ 2,191 $ — $ — $ 18,300 650-749 950 1,024 964 510 186 775 — — 4,409 <650 24 79 82 64 85 503 — — 837 Total Residential mortgage $ 3,051 $ 5,066 $ 7,074 $ 3,866 $ 1,020 $ 3,469 $ — $ — $ 23,546 Automobile Credit Quality Indicator (2): 750+ $ 2,624 $ 1,964 $ 1,525 $ 740 $ 367 $ 85 $ — $ — $ 7,305 650-749 1,438 1,305 907 370 168 53 — — 4,241 <650 170 281 266 118 64 37 — — 936 Total Automobile $ 4,232 $ 3,550 $ 2,698 $ 1,228 $ 599 $ 175 $ — $ — $ 12,482 Home Equity Credit Quality Indicator (2): 750+ $ 381 $ 429 $ 512 $ 534 $ 17 $ 244 $ 4,454 $ 233 $ 6,804 650-749 136 100 65 57 7 101 2,083 230 2,779 <650 2 6 3 3 2 43 344 127 530 Total Home equity $ 519 $ 535 $ 580 $ 594 $ 26 $ 388 $ 6,881 $ 590 $ 10,113 RV and marine Credit Quality Indicator (2): 750+ $ 1,206 $ 971 $ 867 $ 588 $ 295 $ 612 $ — $ — $ 4,539 650-749 289 248 252 158 91 210 — — 1,248 <650 4 12 21 18 14 43 — — 112 Total RV and marine $ 1,499 $ 1,231 $ 1,140 $ 764 $ 400 $ 865 $ — $ — $ 5,899 Other consumer Credit Quality Indicator (2): 750+ $ 186 $ 80 $ 39 $ 19 $ 17 $ 48 $ 424 $ 3 $ 816 650-749 98 43 17 6 5 12 383 13 577 <650 4 5 3 1 1 1 39 14 68 Total Other consumer $ 288 $ 128 $ 59 $ 26 $ 23 $ 61 $ 846 $ 30 $ 1,461 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 $ 18,092 $ 6,742 $ 3,332 $ 2,107 $ 1,156 $ 1,186 $ 13,060 $ 3 $ 45,678 OLEM 108 139 72 21 49 26 113 — 528 Substandard 368 183 203 212 142 256 550 — 1,914 Doubtful — — — — — 1 — — 1 Total Commercial and industrial $ 18,568 $ 7,064 $ 3,607 $ 2,340 $ 1,347 $ 1,469 $ 13,723 $ 3 $ 48,121 Commercial real estate Credit Quality Indicator (1): Pass $ 4,022 $ 3,115 $ 1,562 $ 1,662 $ 829 $ 1,020 $ 519 $ — $ 12,729 OLEM 61 53 1 43 6 9 — — 173 Substandard 231 116 92 74 84 140 1 — 738 Total Commercial real estate $ 4,314 $ 3,284 $ 1,655 $ 1,779 $ 919 $ 1,169 $ 520 $ — $ 13,640 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. Year Ended December 31, 2023 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 Commercial and industrial $ 9 $ 47 $ 48 $ 14 $ 33 $ 13 $ 11 $ 2 $ 177 Commercial real estate 8 9 31 — 26 4 7 — 85 Lease Financing — 4 2 1 1 — — — 8 Residential mortgage — — 1 — — 4 — — 5 Automobile 3 16 16 7 5 3 — — 50 Home equity — — — — — 1 2 6 9 RV and marine — 2 4 3 3 7 — — 19 Other consumer 14 23 13 5 5 12 — 29 101 Total $ 34 $ 101 $ 115 $ 30 $ 73 $ 44 $ 20 $ 37 $ 454 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 - “ Significant Accounting Policies ” 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, for example, 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. Year Ended December 31, 2023 Amortized Cost (dollar amounts in millions) Interest rate reduction Term extension Payment deferral Combo - interest rate reduction and term extension Total % of total loan class (1) Commercial and industrial $ 64 $ 387 $ — $ 4 $ 455 0.90 % Commercial real estate 2 151 — 4 157 1.26 Residential mortgage — 58 2 4 64 0.27 Automobile — 14 — 1 15 0.12 Home equity — 2 — 10 12 0.12 RV and marine — 1 — — 1 0.02 Other consumer 1 — — — 1 0.07 Total loans to borrowers experiencing financial difficulty in which modifications were made $ 67 $ 613 $ 2 $ 23 $ 705 0.58 % (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. Year Ended December 31, 2023 Interest Rate Reduction (1) Term Extension (1) Weighted-average contractual interest rate Weighted-average years added to the life From To Commercial and industrial 8.62 % 8.05 % 1.0 Commercial real estate 13.42 8.75 1.0 Residential mortgage 6.32 4.64 7.7 Automobile 6.60 6.26 1.9 Home equity 8.88 6.15 14.6 (1) Certain disclosures related to financial effects of modifications do not include deemed to be immaterial. 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 December 31, 2023 Past Due (dollar amounts in millions) 30-59 60-89 90 or Total Current Total Commercial and industrial $ 21 $ 25 $ 7 $ 53 $ 402 $ 455 Commercial real estate — — 5 5 152 157 Residential mortgage 9 8 11 28 36 64 Automobile 2 1 — 3 12 15 Home equity 1 1 1 3 9 12 RV and marine — — — — 1 1 Other consumer — — — — 1 1 Total loans to borrowers experiencing financial difficulty in which modifications were made in the twelve months ended December 31, 2023 $ 33 $ 35 $ 24 $ 92 $ 613 $ 705 TDR Loans TDR Concession Types The following provides additional disclosures previously required by ASC Subtopic 310-40, Receivables—Troubled Debt Restructurings by Creditors, related to the year ended December 31, 2022. The Company’s standards relating to loan modifications consider, among other factors, minimum verified income requirements, cash flow analyses, and collateral valuations. Each potential loan modification is reviewed individually and the terms of the loan are modified to meet a borrower’s specific circumstances at a point in time. All commercial TDRs are reviewed and approved by our FRG. Following is a description of TDRs by the different loan types: Commercial loan TDRs – Our strategy involving commercial TDR borrowers includes working with these borrowers to allow them to refinance elsewhere, as well as allow them time to improve their financial position and remain a Huntington customer through refinancing their notes according to market terms and conditions in the future. A subsequent refinancing or modification of a loan may occur when either the loan matures according to the terms of the TDR-modified agreement, or the borrower requests a change to the loan agreements. At that time, the loan is evaluated to determine if the borrower is creditworthy. It is subjected to the normal underwriting standards and processes for other similar credit extensions, both new and existing. The refinanced note is evaluated to determine if it is considered a new loan or a continuation of the prior loan. Consumer loan TDRs – Residential mortgage TDRs represent loan modifications associated with traditional first-lien mortgage loans in which a concession has been provided to the borrower. The primary concessions given to residential mortgage borrowers are amortization, maturity date, and interest rate concessions. Residential mortgages identified as TDRs involve borrowers unable to refinance their mortgages through the Company’s normal mortgage origination channels or through other independent sources. Some, but not all, of the loans may be delinquent. The Company may make similar interest rate, term, and principal concessions for Automobile, Home Equity, RV and Marine, and Other Consumer loan TDRs. TDR Impact on Credit Quality Huntington’s ALLL is 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, rather than the TDR classification. TDRs can be classified as either accrual or nonaccrual loans. Nonaccrual TDRs are included in NALs whereas accruing TDRs are excluded from NALs as it is probable that all contractual principal and interest due under the restructured terms will be collected. The Company’s TDRs may include multiple concessions and the disclosure classifications are presented based on the primary concession provided to the borrower. The following table presents, by class and modification type, the number of contracts, post-modification outstanding balance, and the financial effects of the modification. At December 31, 2022 New Troubled Debt Restructurings (1) Number of Post-modification Outstanding Recorded Investment (2) (dollar amounts in millions) Interest rate concession Amortization or maturity date concession Chapter 7 bankruptcy Other Total Commercial and industrial 313 $ 92 $ 62 $ — $ 15 $ 169 Commercial real estate 26 62 27 — — 89 Residential mortgage 806 — 109 5 — 114 Automobile 2,368 — 17 3 — 20 Home equity 228 — 8 4 — 12 RV and marine 137 — 2 1 — 3 Other consumer 127 — — — 1 1 Total new TDRs 4,005 $ 154 $ 225 $ 13 $ 16 $ 408 (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 and Leases The Bank has access to secured borrowings from the Federal Reserve’s discount window and advances from the FHLB. As of December 31, 2023 and 2022, loans and leases totaling $101.8 billion and $70.9 billion, respectively, were pledged to the Federal Reserve and FHLB for access to these contingent funding sources.

ALLOWANCE FOR CREDIT LOSSES

ALLOWANCE FOR CREDIT LOSSES	12 Months Ended
	Dec. 31, 2023
Credit Loss [Abstract]
ALLOWANCE FOR CREDIT LOSSES	ALLOWANCE FOR CREDIT LOSSES The following table presents ACL activity by portfolio segment. (dollar amounts in millions) Commercial Consumer Total Year Ended December 31, 2023: ALLL balance, beginning of period $ 1,424 $ 697 $ 2,121 Loan and lease charge-offs (270) (184) (454) Recoveries of loans and leases previously charged-off 112 69 181 Provision for loan and lease losses 297 110 407 ALLL balance, end of period $ 1,563 $ 692 $ 2,255 AULC balance, beginning of period $ 71 $ 79 $ 150 Benefit for unfunded lending commitments (5) — (5) AULC balance, end of period $ 66 $ 79 $ 145 ACL balance, end of period $ 1,629 $ 771 $ 2,400 Year Ended December 31, 2022: ALLL balance, beginning of period $ 1,462 $ 568 $ 2,030 Loan and lease charge-offs (129) (184) (313) Recoveries of loans and leases previously charged-off 114 78 192 Provision (benefit) for loan and lease losses (23) 235 212 ALLL balance, end of period $ 1,424 $ 697 $ 2,121 AULC balance, beginning of period $ 41 $ 36 $ 77 Provision for unfunded lending commitments 30 43 73 AULC balance, end of period $ 71 $ 79 $ 150 ACL balance, end of period $ 1,495 $ 776 $ 2,271 Year Ended December 31, 2021: ALLL balance, beginning of period $ 1,236 $ 578 $ 1,814 Loan and lease charge-offs (243) (139) (382) Recoveries of loans and leases previously charged-off 83 84 167 Provision (benefit) for loan and lease losses 12 (13) (1) Allowance on PCD loans and leases at acquisition 374 58 432 ALLL balance, end of period $ 1,462 $ 568 $ 2,030 AULC balance, beginning of period $ 34 $ 18 $ 52 Provision for unfunded lending commitments 8 18 26 Unfunded lending commitment losses (1) — (1) AULC balance, end of period $ 41 $ 36 $ 77 ACL balance, end of period $ 1,503 $ 604 $ 2,107 At December 31, 2023, the ACL was $2.4 billion, an increase of $129 million from the December 31, 2022 balance of $2.3 billion. The increase in the total ACL was primarily driven by a combination of loan and lease growth and modest overall coverage ratio builds throughout 2023. The Commercial ACL was $1.6 billion at December 31, 2023, an increase of $134 million from the December 31, 2022 balance of $1.5 billion. The primary drivers were approximately $1.3 billion of commercial loan growth and an increase in the coverage ratio for the commercial real estate loan portfolio, reflecting the ongoing risks presented by higher interest rates, increased vacancy rates and deteriorating property values. The Consumer ACL balance was $771 million at December 31, 2023, relatively flat compared to the December 31, 2022 balance of $776 million. Consumer loan growth over the course of 2023 was offset by modest improvement in the macroeconomic environment. The baseline economic scenario used in the December 31, 2023 ACL determination included the federal funds rate projected to have peaked during the third quarter of 2023 and is forecast to remain at this terminal level until mid-2024 as the Federal Reserve continues to address the elevated inflation levels and tightness in the labor market. The Federal Reserve is expected to start cutting rates in the third quarter of 2024 at a rate of 25 basis points per quarter until reaching 3% in late 2026. Inflation is forecast to drop from 3.3% year over year at the end of 2023, to the Federal Reserve’s target level of 2% by the fourth quarter of 2024. Unemployment is projected to gradually increase, peaking at 4.1% in the first quarter of 2025 before marginally improving to 3.9% by 2027. The economic scenarios used included elevated levels of economic uncertainty including the impact of specific challenges in the Commercial Real Estate industry, high inflation readings, the U.S labor market, the expected path of interest rate changes by the Federal Reserve, and the impact of significant conflicts on-going around the world. Given the uncertainty associated with key economic scenario assumptions, the December 31, 2023 ACL included a general reserve that consists of various risk profile components to address uncertainty not measured within the quantitative transaction reserve.

MORTGAGE LOAN SALES AND SERVICI

MORTGAGE LOAN SALES AND SERVICING RIGHTS	12 Months Ended
	Dec. 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. Year Ended December 31, (dollar amounts in millions) 2023 2022 2021 Residential mortgage loans sold with servicing retained $ 4,109 $ 5,686 $ 9,702 Pretax gains resulting from above loan sales (1) 58 137 356 (1) Recorded in mortgage banking income. The following table summarizes the changes in MSRs recorded using the fair value method: Year Ended December 31, (dollar amounts in millions) 2023 2022 Fair value, beginning of period $ 494 $ 351 New servicing assets created 63 85 Servicing assets sold (1) — Change in fair value during the period due to: Time decay (1) (24) (22) Payoffs (2) (24) (34) Changes in valuation inputs or assumptions (3) 7 114 Fair value, end of period $ 515 $ 494 (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. The following table summarizes the key assumptions and the sensitivity of the MSR value to changes in these assumptions. At December 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) 8.61 % $ (15) $ (28) 7.05 % $ (13) $ (25) Spread over forward interest rate swap rates 538 bps (11) (22) 578 bps (12) (22) Total servicing, late and other ancillary fees included in mortgage banking income was $98 million, $91 million, and $79 million for the years ended December 31, 2023, 2022, and 2021, respectively. The unpaid principal balance of residential mortgage loans serviced for third parties was $33.2 billion, $32.4 billion, and $31.0 billion at December 31, 2023, 2022, and 2021, respectively.

GOODWILL AND OTHER INTANGIBLE A

GOODWILL AND OTHER INTANGIBLE ASSETS	12 Months Ended
	Dec. 31, 2023
Goodwill and Intangible Assets Disclosure [Abstract]
GOODWILL AND OTHER INTANGIBLE ASSETS	GOODWILL AND OTHER INTANGIBLE ASSETS Business segments are based on segment leadership structure, which reflects how segment performance is monitored and assessed. We have two major business segments: Consumer & Regional Banking and Commercial Banking. The Treasury / Other function includes technology and operations, other unallocated assets, liabilities, revenue, and expense. A rollforward of goodwill by business segment for which goodwill is allocated is presented in the table below. No goodwill impairment was recorded in 2023 or 2022. Consumer & Commercial Huntington (dollar amounts in millions) Regional Banking Banking Consolidated Balance, January 1, 2022 $ 3,650 $ 1,699 $ 5,349 Acquisitions — 222 222 Balance, December 31, 2022 3,650 1,921 5,571 RPS sale (10) — (10) Balance, December 31, 2023 $ 3,640 $ 1,921 $ 5,561 Huntington’s other intangible assets consisted of the following: (dollar amounts in millions) Gross Accumulated Net At December 31, 2023 Core deposit intangible $ 385 $ (259) $ 126 Customer relationship 92 (75) 17 Total other intangible assets $ 477 $ (334) $ 143 At December 31, 2022 Core deposit intangible $ 385 $ (216) $ 169 Customer relationship 107 (81) 26 Total other intangible assets $ 492 $ (297) $ 195 The estimated amortization expense of other intangible assets for the next five years is as follows: (dollar amounts in millions) Amortization Expense 2024 $ 47 2025 43 2026 29 2027 9 2028 6

PREMISES AND EQUIPMENT

PREMISES AND EQUIPMENT	12 Months Ended
	Dec. 31, 2023
Property, Plant and Equipment [Abstract]
PREMISES AND EQUIPMENT	PREMISES AND EQUIPMENT Premises and equipment were comprised of the following: At December 31, (dollar amounts in millions) 2023 2022 Land and land improvements $ 343 $ 337 Buildings 789 776 Leasehold improvements 262 269 Equipment 899 896 Total premises and equipment 2,293 2,278 Less accumulated depreciation and amortization (1,184) (1,122) Net premises and equipment $ 1,109 $ 1,156 Depreciation and amortization charged to expense was as follows: Year Ended December 31, (dollar amounts in millions) 2023 2022 2021 Total depreciation and amortization of premises and equipment $ 167 $ 182 $ 178

OPERATING LEASES

OPERATING LEASES	12 Months Ended
	Dec. 31, 2023
Leases [Abstract]
OPERATING LEASES	OPERATING LEASES At December 31, 2023, Huntington was obligated under non-cancelable leases for branch and office space. These leases are all classified as operating due to the amount of time such spaces are occupied relative to the underlying assets useful lives. Many of these leases contain renewal options, most of which are not included in measurement of the right-of-use asset as they are not considered reasonably certain of exercise (i.e., Huntington does not currently have a significant economic incentive to exercise these options). Net lease assets and liabilities are as follows: At December 31, (dollar amounts in millions) Classification 2023 2022 Assets Operating lease assets Other assets $ 265 $ 279 Liabilities Lease liabilities Other liabilities $ 379 $ 401 Net lease cost are as follows: Year Ended December 31, (dollar amounts in millions) Classification 2023 2022 Operating lease cost Net occupancy $ 68 $ 81 Short-term lease cost Net occupancy 1 2 Net lease cost $ 69 $ 83 Maturity of lease liabilities at December 31, 2023 are as follows: (dollar amounts in millions) Total 2024 $ 66 2025 66 2026 51 2027 43 2028 36 Thereafter 251 Total lease payments 513 Less: Interest (134) Total lease liabilities $ 379 Additional supplemental information related to the Company’s operating leases is as follows: (dollar amounts in millions) 2023 2022 Year ended December 31: Cash paid for amounts included in the measurement of lease liabilities for operating cash flows $ (77) $ (80) Right-of-use assets obtained in exchange for lease obligations for operating leases 37 22 At December 31: Weighted-average remaining lease term (years) for operating leases 11.30 11.48 Weighted-average discount rate for operating leases 4.93 % 4.64 %

BORROWINGS

BORROWINGS	12 Months Ended
	Dec. 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 December 31, (dollar amounts in millions) 2023 2022 Federal funds purchased and securities sold under agreements to repurchase $ 618 $ 253 FHLB advances — 1,700 Other borrowings 2 74 Total short-term borrowings $ 620 $ 2,027 As of December 31, 2023, the carrying value of assets pledged as collateral against repurchase agreements totaled $840 million. Assets pledged as collateral are reported in available-for-sale securities and held-to-maturity securities on the Consolidated Balance Sheets. The repurchase agreements have maturities within 60 days. No amounts have been offset against the agreements. Huntington’s long-term debt consisted of the following: At December 31, (dollar amounts in millions) 2023 2022 The Parent Company: Senior Notes: 2.67% Huntington Bancshares Incorporated senior notes due 2024 $ 719 $ 762 4.05% Huntington Bancshares Incorporated senior notes due 2025 457 481 4.51% Huntington Bancshares Incorporated senior notes due 2028 716 704 6.29% Huntington Bancshares Incorporated senior notes due 2029 1,266 — 2.60% Huntington Bancshares Incorporated senior notes due 2030 692 679 5.08% Huntington Bancshares Incorporated senior notes due 2033 383 379 Subordinated Notes: 3.55% Huntington Bancshares Incorporated subordinated notes due 2023 — 225 Huntington Capital I Trust Preferred 6.34% junior subordinated debentures due 2027 (1) (7) 69 69 Huntington Capital II Trust Preferred 6.27% junior subordinated debentures due 2028 (2) (7) 32 32 Sky Financial Capital Trust III 7.04% junior subordinated debentures due 2036 (3) (7) 72 72 Sky Financial Capital Trust IV 7.04% junior subordinated debentures due 2036 (3) (7) 74 74 2.49% Huntington Bancshares Incorporated subordinated notes due 2036 1 1 2.53% Huntington Bancshares Incorporated subordinated notes due 2036 512 502 Total notes issued by the parent 4,993 3,980 The Bank: Senior Notes: 3.60% Huntington National Bank senior notes due 2023 — 735 6.66% Huntington National Bank senior notes due 2025 278 299 4.11% Huntington National Bank senior notes due 2025 467 486 5.81% Huntington National Bank senior notes due 2025 1,060 1,094 4.55% Huntington National Bank senior notes due 2028 776 766 5.76% Huntington National Bank senior notes due 2030 899 892 Subordinated Notes: 0.96% Huntington National Bank subordinated notes due 2025 129 129 3.86% Huntington National Bank subordinated notes due 2026 223 218 3.03% Huntington National Bank subordinated notes due 2029 156 153 3.75% Huntington National Bank subordinated notes due 2030 154 151 Total notes issued by the bank 4,142 4,923 FHLB Advances: 4.21% weighted average rate, varying maturities greater than one year 2,731 211 Other: Huntington Technology Finance nonrecourse debt, 5.38% weighted average interest rate, varying maturities 343 337 6.65% Huntington Preferred Capital II - Class G securities — 50 7.64% Huntington Preferred Capital II - Class I securities (4) 50 50 8.24% Huntington Preferred Capital II - Class J securities (5) 75 75 8.74% Huntington Preferred Capital II - Class L securities (6) 60 60 Total long-term debt $ 12,394 $ 9,686 (1) Variable effective rate at December 31, 2023, based on three-month SOFR +0.96%. (2) Variable effective rate at December 31, 2023, based on three-month SOFR +0.866%. (3) Variable effective rate at December 31, 2023, based on three-month SOFR +1.66%. (4) Variable effective rate at December 31, 2023, based on three-month SOFR +2.00%. (5) Variable effective rate at December 31, 2023, based on three-month SOFR +2.60%. (6) Variable effective rate at December 31, 2023, based on three-month SOFR +3.10%. (7) Represents the outstanding amount of debentures issued to each trust and related trust-preferred securities. Refer to Note 21 - “ Variable Interest Entities Amounts above are net of unamortized discounts and adjustments related to hedging with derivative financial instruments. We use interest rate swaps to hedge interest rate risk of certain fixed-rate debt by converting the debt to a variable rate. See Note 20 - “ Derivative Financial Instruments “ for more information regarding such financial instruments. During the 2023 third quarter, Huntington issued $1.3 billion of fixed-to-floating senior notes. The fixed-to-floating senior notes are due August 21, 2029 and bear an initial fixed interest rate of 6.208%. Commencing August 21, 2028, the interest rate will reset to a floating rate equal to a benchmark rate based on the Compounded SOFR Index Rate plus 202 basis points. On January 26, 2024, Huntington issued $1.3 billion of fixed-to-floating senior notes. The fixed-to-floating senior notes are due February 2, 2035 and bear an initial fixed interest rate of 5.709%. Commencing February 2, 2034, the interest rate will reset to a floating rate equal to a benchmark rate based on the Compounded SOFR Index Rate plus 187 basis points. Long-term debt maturities, based upon the par values of the long-term debt, for the next five years and thereafter are as follows: (dollar amounts in millions) 2024 2025 2026 2027 2028 Thereafter Total The Parent Company: Senior notes $ 734 $ 468 $ — $ — $ 750 $ 2,400 $ 4,352 Subordinated notes — — — 70 32 707 809 The Bank: Senior notes — 1,817 — — 800 900 3,517 Subordinated notes — 130 239 — — 300 669 FHLB Advances — 200 1,500 500 500 1 2,701 Other 70 75 151 125 106 1 528 Total $ 804 $ 2,690 $ 1,890 $ 695 $ 2,188 $ 4,309 $ 12,576 The terms of certain long-term debt obligations contain various restrictive covenants including limitations on the acquisition of additional debt, dividend payments, and the disposition of subsidiaries. As of December 31, 2023, Huntington was in compliance with all such covenants.

OTHER COMPREHENSIVE INCOME

OTHER COMPREHENSIVE INCOME	12 Months Ended
	Dec. 31, 2023
Equity [Abstract]
OTHER COMPREHENSIVE INCOME	OTHER COMPREHENSIVE INCOME The components of Huntington’s OCI were as follows: (dollar amounts in millions) Pretax Tax (expense) benefit After-tax Year Ended December 31, 2023 Unrealized losses on available-for-sale securities arising during the period, net of hedges $ 154 $ (36) $ 118 Reclassification adjustment for realized net losses included in net income 47 (11) 36 Total unrealized gains (losses) on available-for-sale securities, net of hedges 201 (47) 154 Unrealized gains (losses) on cash flow hedges during the period 162 (37) 125 Reclassification adjustment for cash flow hedges included in net income 187 (43) 144 Net change related to cash flow hedges on loans 349 (80) 269 Translation adjustments, net of hedges (1) 2 — 2 Change in accumulated unrealized gains for pension and other post-retirement obligations (4) 1 (3) Other comprehensive income (loss) $ 548 $ (126) $ 422 Year Ended December 31, 2022 Unrealized losses on available-for-sale securities arising during the period, net of hedges $ (2,934) $ 673 $ (2,261) Reclassification adjustment for realized net losses included in net income 100 (23) 77 Total unrealized gains (losses) on available-for-sale securities, net of hedges (2,834) 650 (2,184) Unrealized gains (losses) on cash flow hedges during the period (896) 201 (695) Reclassification adjustment for cash flow hedges included in net income — — — Net change related to cash flow hedges on loans (896) 201 (695) Translation adjustments, net of hedges (1) (5) — (5) Change in accumulated unrealized gains for pension and other post-retirement obligations 19 (4) 15 Other comprehensive income (loss) $ (3,716) $ 847 $ (2,869) Year Ended December 31, 2021 Unrealized losses on available-for-sale securities arising during the period, net of hedges $ (361) $ 81 $ (280) Reclassification adjustment for realized net losses included in net income 34 (8) 26 Total unrealized gains (losses) on available-for-sale securities, net of hedges (327) 73 (254) Unrealized gains (losses) on cash flow hedges during the period (257) 65 (192) Reclassification adjustment for cash flow hedges included in net income — — — Net change related to cash flow hedges on loans (257) 65 (192) Translation adjustments, net of hedges (1) (3) — (3) Change in accumulated unrealized gains for pension and other post-retirement obligations 36 (8) 28 Other comprehensive income (loss) $ (551) $ 130 $ (421) (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 were as follows: (dollar amounts in millions) Unrealized (losses) gains on available-for-sale securities, net of hedges (1) Net change related to cash flow hedges on loans Translation adjustments, net of hedges Unrealized Total December 31, 2020 $ 190 $ 255 $ — $ (253) $ 192 Other comprehensive income (loss) before reclassifications (280) (192) (3) — (475) Amounts reclassified from accumulated OCI to earnings 26 — — 28 54 Period change (254) (192) (3) 28 (421) December 31, 2021 (64) 63 (3) (225) (229) Other comprehensive income (loss) before reclassifications (2,261) (695) (5) — (2,961) Amounts reclassified from accumulated OCI to earnings 77 — — 15 92 Period change (2,184) (695) (5) 15 (2,869) December 31, 2022 (2,248) (632) (8) (210) (3,098) Other comprehensive income before reclassifications 118 125 2 — 245 Amounts reclassified from accumulated OCI to earnings 36 144 — (3) 177 Period change 154 269 2 (3) 422 December 31, 2023 $ (2,094) $ (363) $ (6) $ (213) $ (2,676) (1) AOCI amounts at December 31, 2023, 2022, and 2021 include $58 million, $66 million, and $27 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	12 Months Ended
	Dec. 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 Optional Redemption Date (1) December 31, 2023 December 31, 2022 Series B (2) 12/28/2011 35,500 Variable (3) 1/15/2017 $ 23 $ 23 Series E (4) 2/27/2018 4,087 Variable (5) 4/15/2023 405 495 Series F (4) 5/27/2020 5,000 5.625 % 7/15/2030 494 494 Series G (4) 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 (6) 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 881,587 $ 2,394 $ 2,167 (1) Redeemable at Huntington’s option on the date stated or on a quarterly basis thereafter. (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 B dividend rate converted to 3-month CME Term SOFR + 26 bps LIBOR spread adjustment + 270 bps effective July 15, 2023. Prior to July 15, 2023, the dividend rate was 3-month LIBOR + 270 bps. (4) 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. (5) Series E dividend rate converted to 3-month CME Term SOFR + 26 bps LIBOR spread adjustment + 288 bps effective July 15, 2023. Prior to July 15, 2023, the dividend rate was 3-month LIBOR + 288 bps. (6) Series I preferred stock has a liquidation value and redemption price per share of $25,000, plus any declared and unpaid dividends. The following table presents the dividends declared for each series of Preferred shares. Year Ended December 31, 2023 2022 2021 (amounts in millions, except per share data) Cash Dividend Declared Per Share Cash Dividend Declared Per Share Cash Dividend Declared Per Share Preferred Series Amount ($) Amount ($) Amount ($) Series B $ 80.28 $ (3) $ 46.68 $ (2) $ 28.69 $ (1) Series C — — — — 44.07 (4) Series D — — — — 31.25 (18) Series E 7,753.75 (37) 5,700.00 (29) 5,700.00 (29) Series F 5,625.00 (28) 5,625.00 (28) 5,625.00 (28) Series G 4,450.00 (22) 4,450.00 (22) 4,450.00 (23) Series H 45.00 (23) 45.00 (22) 42.00 (21) Series I 1,425.00 (10) 1,425.00 (10) 1,068.75 (7) Series J 59.02 (19) — — — — Total $ (142) $ (113) $ (131) During the fourth quarter of 2023, $90 million of outstanding Series E Non-Cumulative Perpetual Preferred Stock, par value $0.01 per share, was repurchased. On October 15, 2021, all $100 million of outstanding Series C Non-Cumulative Perpetual Preferred Stock, par value $0.01 per share, was redeemed.

EARNINGS PER SHARE

EARNINGS PER SHARE	12 Months Ended
	Dec. 31, 2023
Earnings Per Share [Abstract]
EARNINGS PER SHARE	EARNINGS PER SHARE Basic earnings per share is the amount of earnings (adjusted for preferred stock dividends and the impact of preferred stock repurchases and redemptions) 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 is as follows: Year Ended December 31, (dollar amounts in millions, except per share data, share count in thousands) 2023 2022 2021 Basic earnings per common share: Net income attributable to Huntington $ 1,951 $ 2,238 $ 1,295 Preferred stock dividends 142 113 131 Impact of preferred stock repurchases and redemptions (8) — 11 Net income available to common shareholders $ 1,817 $ 2,125 $ 1,153 Average common shares issued and outstanding 1,446,449 1,441,279 1,262,435 Basic earnings per common share $ 1.26 $ 1.47 $ 0.91 Diluted earnings per common share: Average dilutive potential common shares: Stock options and restricted stock units and awards 14,456 17,534 18,185 Shares held in deferred compensation plans 7,111 6,407 6,113 Average dilutive potential common shares 21,567 23,941 24,298 Total diluted average common shares issued and outstanding 1,468,016 1,465,220 1,286,733 Diluted earnings per common share $ 1.24 $ 1.45 $ 0.90 Anti-dilutive awards (1) 11,039 5,303 2,674 (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.

REVENUE FROM CONTRACTS WITH CUS

REVENUE FROM CONTRACTS WITH CUSTOMERS	12 Months Ended
	Dec. 31, 2023
Revenue from Contract with Customer [Abstract]
REVENUE FROM CONTRACTS WITH CUSTOMERS	REVENUE FROM CONTRACTS WITH CUSTOMERS Revenue is segregated based on the nature of product and services offered as part of contractual arrangements. Revenue from contracts with customers within the scope of ASC 606 is broadly segregated within the following noninterest income categories: • Payments and cash management revenue primarily includes interchange fees earned on debit cards and credit cards and fees earned from providing cash management services to corporate deposit customers. Within the scope of ASC 606, Huntington recognizes debit and credit card interchange fees for services performed related to authorization and settlement of a cardholder’s transaction with a merchant. Revenue is recognized when a cardholder’s transaction is approved and settled. Certain volume or transaction based interchange expenses (net of rebates) paid to the payment network reduce the interchange revenue and are presented net on the income statement. Similarly, rewards payable under a reward program to cardholders are recognized as a reduction of the transaction price and are presented net against the interchange revenue. Revenue from providing cash management services to corporate deposit customers is recognized over the period of time services are rendered. • Wealth and asset management revenue primarily includes fee income generated from providing wealth and asset management services to personal, corporate, and institutional customers, including, but not limited to, fees and commissions earned from trust and investment management services, sales of annuity products, and tax reporting services. Within the scope of ASC 606, Huntington recognizes revenue from wealth and asset management services are rendered over a period of time. Huntington may also recognize revenue from referring a customer to outside third-parties to purchase annuities and mutual funds which is recognized in the period earned. • Customer deposit and loan fees primarily includes fees and other charges Huntington receives related to service charges on deposit accounts, loan commitments and standby letters of credits, and other deposit and lending activity. Within the scope of ASC 606, Huntington recognizes fees and other charges for providing various services, including, but not limited to, maintaining accounts, providing overdraft services, transferring funds, and accepting and executing stop-payment orders for customers. Revenue includes both fixed fees (e.g., account maintenance fee), recognized over a period of time, and transaction fees (e.g., wire-transfer fee), recognized when a specific service is performed. Huntington may, from time to time, waive certain fees for customers but generally does not reduce the transaction price to reflect variability for future reversals due to the insignificance of the amounts. Waiver of fees reduces the revenue in the period the waiver is granted to the customer. • Capital markets and advisory fees primarily includes advisory fees for merger, acquisition and capital markets activity, interest rate derivative fees, underwriting fees, foreign exchange fees, loan syndication fees, and fees earned from customer-related sales activity. Within the scope of ASC 606, Huntington recognizes revenue associated with capital markets and advisory fees when the related transaction closes. • Leasing revenue primarily includes income from operating lease payments and termination of leases. Within the scope of ASC 606, Huntington recognizes leasing revenue when, or as, the performance obligation is satisfied. Inherent variability in the transaction price is not recognized until the uncertainty affecting the variability is resolved. • Insurance income primarily includes agency commissions from the sale of insurance premiums to customers. All insurance income is recognized within the scope of ASC 606. Huntington receives commissions from the sales of insurance policies to customers. The initial commission is recognized when the insurance policy is sold to a customer. Huntington is also entitled to renewal commissions and, in some cases, profit sharing which are recognized in subsequent periods. • Other - Within the scope of ASC 606, Huntington recognizes a variety of other miscellaneous revenue streams which are recognized when, or as, the performance obligation is satisfied. The following table shows Huntington’s total noninterest income segregated between revenue with contracts with customers within the scope of ASC 606 and revenue within the scope of other GAAP Topics. Year Ended December 31, (dollar amounts in millions) 2023 2022 2021 Noninterest income Revenue from contracts with customers $ 1,400 $ 1,318 $ 1,113 Revenue within the scope of other GAAP topics 521 663 776 Total noninterest income $ 1,921 $ 1,981 $ 1,889 Revenue is recorded in the business segment responsible for the related product or service. Fee sharing arrangements exist to allocate portions of such revenue to other business segments involved in selling to, or providing service to, customers. Business segment results are determined based upon management’s reporting system, which assigns balance sheet and income statement items to each of the business segments. The process is designed around Huntington’s organizational and management structure and, accordingly, the results derived are not necessarily comparable with similar information published by other financial institutions. The following table illustrates the disaggregation by operating segment and major revenue stream and reconciles disaggregated revenue to segment revenue presented in Note 25 - “ Segment Reporting ”: (dollar amounts in millions) Consumer & Business Banking Commercial Banking Treasury / Other Huntington Consolidated Year Ended December 31, 2023 Major Revenue Streams Payments and cash management revenue $ 433 $ 103 $ — $ 536 Wealth and asset management revenue 313 15 — 328 Customer deposit and loan fees 203 8 — 211 Capital markets and advisory fees 16 118 (2) 132 Leasing revenue 2 49 — 51 Insurance income 64 11 (1) 74 Other 67 3 (2) 68 Net revenue from contracts with customers $ 1,098 $ 307 $ (5) $ 1,400 Noninterest income within the scope of other GAAP topics 159 339 23 521 Total noninterest income $ 1,257 $ 646 $ 18 $ 1,921 Year Ended December 31, 2022 Major Revenue Streams Payments and cash management revenue $ 405 $ 108 $ — $ 513 Wealth and asset management revenue 294 6 — 300 Customer deposit and loan fees 226 5 — 231 Capital markets and advisory fees 15 98 (3) 110 Leasing revenue 1 66 — 67 Insurance income 71 9 (1) 79 Other 8 12 (2) 18 Net revenue from contracts with customers $ 1,020 $ 304 $ (6) $ 1,318 Noninterest income within the scope of other GAAP topics 252 363 48 663 Total noninterest income $ 1,272 $ 667 $ 42 $ 1,981 Year Ended December 31, 2021 Major Revenue Streams Payments and cash management revenue $ 360 $ 104 $ — $ 464 Wealth and asset management revenue 266 3 — 269 Customer deposit and loan fees 226 1 — 227 Capital markets and advisory fees 10 19 — 29 Leasing revenue 2 21 — 23 Insurance income 75 6 1 82 Other 6 2 11 19 Net revenue from contracts with customers $ 945 $ 156 $ 12 $ 1,113 Noninterest income within the scope of other GAAP topics 344 363 69 776 Total noninterest income $ 1,289 $ 519 $ 81 $ 1,889 Huntington generally provides services for customers in which it acts as principal. Payment terms and conditions vary amongst services and customers, and thus impact the timing and amount of revenue recognition. Some fees may be paid before any service is rendered and accordingly, such fees are deferred until the obligations pertaining to those fees are satisfied. Most Huntington contracts with customers are cancelable by either party without penalty or they are short-term in nature, with a contract duration of less than one year. Accordingly, most revenue deferred for the reporting period ended December 31, 2023 is expected to be earned within one year. Huntington does not have significant balances of contract assets or contract liabilities and any change in those balances during the reporting period ended December 31, 2023 was determined to be immaterial.

SHARE-BASED COMPENSATION

SHARE-BASED COMPENSATION	12 Months Ended
	Dec. 31, 2023
Share-Based Payment Arrangement [Abstract]
SHARE-BASED COMPENSATION	SHARE-BASED COMPENSATION Share-based awards are eligible for issuance under the Huntington Bancshares Incorporated 2018 Long Term Incentive Plan. This plan provides for the granting of stock options, restricted stock awards, restricted stock units, performance share units and other awards to officers, directors, and other employees. In connection with the TCF acquisition in 2021, equity awards granted under the TCF equity plans were assumed subject to the same terms and conditions applicable to such awards prior to the date of acquisition. At December 31, 2023, 15 million shares were available for future grants. Huntington issues shares to fulfill share-based award vesting from available authorized common shares. At December 31, 2023, Huntington believes there are adequate authorized common shares to satisfy anticipated share-based award vesting in 2024. The following table presents total share-based compensation expense and related tax benefit. Year Ended December 31, (dollar amounts in millions) 2023 2022 2021 Share-based compensation expense (1) $ 114 $ 119 $ 138 Tax benefit 19 20 22 (1) Compensation costs are included in personnel costs on the Consolidated Statements of Income. Stock Options Stock options, awarded by Huntington, are granted at the closing market price on the date of the grant and vest ratably over four years or when other conditions are met. Options assumed in the TCF acquisition have been fully vested. Stock options, which represented a portion of the grant values, have no intrinsic value until the stock price increases. All options have a contractual term of ten years from the date of grant. Huntington’s stock option activity and related information was as follows: (dollar amounts in millions, except per share and options amounts in thousands) Options Weighted- Weighted-Average Contractual Life (Years) Aggregate Outstanding at January 1, 2023 13,458 $ 12.50 Exercised (425) 9.93 Forfeited/expired (111) 12.74 Outstanding at December 31, 2023 12,922 $ 12.58 5.0 $ 17 Expected to vest 1,909 $ 12.26 6.8 $ 4 Exercisable at December 31, 2023 11,001 $ 12.63 4.7 $ 13 Restricted Stock Awards, Restricted Stock Units and Performance Share Units Restricted stock units and performance share units awarded by Huntington are granted at the closing market price on the date of the grant. Restricted stock units and awards can be settled in shares or cash depending on the award. Restricted stock units, for the most part, provide either accumulated cash dividends during the vesting period or, accrue a dividend equivalent that is paid upon vesting. Both restricted stock awards and restricted stock units are subject to certain service restrictions. Performance share units are payable contingent upon Huntington achieving certain predefined performance objectives over a three-year measurement period. The fair value of these awards and units reflects the closing market price of Huntington’s common stock on the grant or assumption date. The following table summarizes the status of Huntington’s restricted stock awards, restricted stock units, and performance share units as of December 31, 2023, and activity for the year ended December 31, 2023: Restricted Stock Awards Restricted Stock Units Performance Share Units (amounts in thousands, except per share amounts) Quantity Weighted- Average Grant Date Fair Value Per Share Quantity Weighted- Average Grant Date Fair Value Per Share Quantity Weighted- Average Grant Date Fair Value Per Share Nonvested at January 1, 2023 124 $ 14.37 24,221 $ 12.70 3,469 $ 12.40 Granted — — 7,981 13.94 2,521 15.30 Vested (115) 14.03 (6,316) 11.74 (2,682) 8.64 Forfeited — — (1,217) 13.08 (88) 15.02 Nonvested at December 31, 2023 9 $ 14.16 24,669 $ 13.15 3,220 $ 15.19 The weighted-average fair value at grant date of nonvested shares granted for the years ended December 31, 2023, 2022, and 2021 were $14.14, $13.47, and $15.78, respectively. The total fair value of awards vested during the years ended December 31, 2023, 2022, and 2021 was $99 million, $105 million, and $135 million, respectively. As of December 31, 2023, the total unrecognized compensation cost related to nonvested shares was $289 million with a weighted-average expense recognition period of 2.4 years.

BENEFIT PLANS

BENEFIT PLANS	12 Months Ended
	Dec. 31, 2023
Retirement Benefits [Abstract]
BENEFIT PLANS	BENEFIT PLANS Huntington sponsors a non-contributory defined benefit pension plan covering substantially all employees hired or rehired prior to January 1, 2010. The Plan no longer accrues service benefits to participants and provides benefits based upon length of service and compensation levels. Huntington’s funding policy is to contribute an annual amount that is at least equal to the minimum funding requirements but not more than the amount deductible under the Internal Revenue Code. There were no required minimum contributions during 2023. The following table shows the weighted-average assumptions used to determine the benefit obligation and the net periodic benefit cost: At December 31, 2023 2022 Weighted-average assumptions used to determine benefit obligations Discount rate 5.15 % 5.41 % Weighted-average assumptions used to determine net periodic benefit cost Discount rate 5.41 2.86 Expected return on plan assets 5.00 4.50 The following table reconciles the beginning and ending balances of the benefit obligation of the Plan with the amounts recognized in the consolidated balance sheets: At December 31, (dollar amounts in millions) 2023 2022 Projected benefit obligation at beginning of measurement year $ 692 $ 956 Changes due to: Service cost 3 3 Interest cost 36 22 Benefits paid (33) (32) Settlements (16) (29) Actuarial gains 5 (228) Total changes (5) (264) Projected benefit obligation at end of measurement year $ 687 $ 692 The following table reconciles the beginning and ending balances of the fair value of Plan assets: At December 31, (dollar amounts in millions) 2023 2022 Fair value of plan assets at beginning of measurement year $ 740 $ 1,007 Changes due to: Actual return on plan assets 39 (197) Settlements (17) (38) Benefits paid (33) (32) Total changes (11) (267) Fair value of plan assets at end of measurement year $ 729 $ 740 As of December 31, 2023, the difference between the accumulated benefit obligation and the fair value of Plan assets was $42 million and is recorded in other assets. The following table shows the components of net periodic benefit costs recognized: Year Ended December 31, (1) (dollar amounts in millions) 2023 2022 2021 Service cost $ 3 $ 3 $ 3 Interest cost 36 22 19 Expected return on plan assets (43) (41) (40) Amortization of loss 1 9 12 Settlements 7 15 8 Benefit costs $ 4 $ 8 $ 2 (1) The pension costs are recognized in other noninterest income in the Consolidated Statements of Income . During 2023, all Plan assets were transferred to Northern Trust who held them as trustee at December 31, 2023. At December 31, 2022, The Huntington National Bank, as trustee, held all Plan assets. The Plan assets consisted of investments in a variety of cash equivalent, corporate and government fixed income, and equity investments as follows: Fair Value at December 31, (dollar amounts in millions) 2023 2022 Cash equivalents: Mutual funds-money market $ 17 2 % $ 23 3 % Fixed income: Corporate obligations 234 32 414 57 U.S. Government obligations 70 10 154 21 Municipal obligations 1 — 3 — Collective trust funds 297 42 62 8 Equities: Limited liability companies 10 1 9 1 Collective trust funds 76 10 27 4 Limited partnerships 24 3 48 6 Fair value of plan assets $ 729 100 % $ 740 100 % Investments of the Plan are accounted for at cost on the trade date and are reported at fair value. The valuation methodologies used to measure the fair value of pension plan assets vary depending on the type of asset. At December 31, 2023, mutual money market funds are valued at the closing price reported from an actively traded exchange and are classified as Level 1. Fixed income investments are valued using unadjusted quoted prices from active markets for similar assets are classified as Level 2. Common stock is valued using the year-end closing price as determined by a national securities exchange and are classified as Level 1. Collective trust funds and limited liability companies are valued at net asset value per unit as a practical expedient, which is calculated based on the fair values of the underlying investments held by the fund less its liabilities as reported by the issuer of the fund. The investment in the limited partnerships is reported at net asset value per share as determined by the general partners of each limited partnership, based on their proportionate share of the partnership’s fair value as recorded in the partnership’s audited financial statements. The investment objective of the Plan is to maximize the return on Plan assets over a long-time period, while meeting the Plan obligations. At December 31, 2023, Plan assets were invested 2% in cash equivalents, 14% in equity investments, and 84% in fixed income investments, with an average duration of 13.0 years on investments. The estimated life of benefit obligations was 10.4 years. Although it may fluctuate with market conditions, Huntington has targeted a long-term allocation of Plan assets of 1% in cash equivalents, 10% in equity investments, and 89% in bond investments. The allocation of Plan assets between equity investments and fixed income investments will change from time to time. At December 31, 2023, the following table shows when benefit payments are expected to be paid: (dollar amounts in millions) Pension Benefits 2024 $ 51 2025 52 2026 53 2027 53 2028 53 2029 through 2033 253 Huntington has a defined contribution plan that is available to eligible employees. Huntington’s expense related to the defined contribution plans for the years ended December 31, 2023, 2022, and 2021 was $61 million, $58 million, and $70 million, respectively. The following table shows the number of shares, market value, and dividends received on shares of Huntington stock held by the defined contribution plan: At December 31, (dollar amounts in millions, share amounts in thousands) 2023 2022 Shares in Huntington common stock 11,899 9,451 Market value of Huntington common stock $ 151 $ 133 Dividends received on shares of Huntington stock 7 6

INCOME TAXES

INCOME TAXES	12 Months Ended
	Dec. 31, 2023
Income Tax Disclosure [Abstract]
INCOME TAXES	INCOME TAXES The following is a summary of the provision for income taxes: Year Ended December 31, (dollar amounts in millions) 2023 2022 2021 Current tax provision (benefit) Federal $ 644 $ 129 $ 356 State 63 62 13 Foreign 8 5 1 Total current tax provision 715 196 370 Deferred tax provision (benefit) Federal (291) 319 (104) State (11) — 28 Total deferred tax provision (benefit) (302) 319 (76) Provision for income taxes $ 413 $ 515 $ 294 The following is a reconciliation for provision for income taxes: Year Ended December 31, (dollar amounts in millions) 2023 2022 2021 Provision for income taxes computed at the statutory rate $ 501 $ 580 $ 334 Increases (decreases): General business credits (253) (164) (126) Tax-exempt income (28) (21) (18) Capital loss — (60) (32) Affordable housing investment amortization, net of tax benefits 148 129 102 State income taxes, net 41 49 32 Other 4 2 2 Provision for income taxes $ 413 $ 515 $ 294 The significant components of deferred tax assets and liabilities were as follows: At December 31, (dollar amounts in millions) 2023 2022 Deferred tax assets: Fair value adjustments $ 791 $ 917 Allowances for credit losses 564 526 Tax credit carryforward 240 59 Net operating and other loss carryforward 101 136 Research and development expenses 91 — Lease liability 89 96 Purchase accounting and other intangibles 82 167 Pension and other employee benefits 70 68 Accrued expense/prepaid 61 8 Other assets 4 5 Total deferred tax assets 2,093 1,982 Deferred tax liabilities: Lease financing 873 955 Loan origination costs 155 97 Mortgage servicing rights 124 112 Operating assets 96 133 Right-of-use asset 62 67 Securities adjustments 40 42 Other liabilities 3 10 Total deferred tax liabilities 1,353 1,416 Net deferred tax asset (liability) before valuation allowance 740 566 Valuation allowance (30) (32) Net deferred tax asset $ 710 $ 534 At December 31, 2023, Huntington’s net deferred tax asset related to loss and other carryforwards was $341 million. This was comprised of federal net operating loss carryforwards of $43 million, which will begin expiring in 2025, state net operating loss carryforwards of $42 million, which will begin expiring in 2024 , a federal capital loss carryforward of $13 million, which will expire in 2025, state capital loss carryforwards of $4 million, which will begin expiring in 2024, and general business credits of $240 million, which will expire in 2042. The Company has established a valuation allowance on its state deferred tax assets as it believes it is more likely than not, portions will not be realized. The Company and its subsidiaries file income tax returns in the U.S. federal jurisdiction and various state, city, and foreign jurisdictions. Federal income tax audits have been completed for tax years through 2016. The 2017-2022 tax years remain open under the statute of limitations. Also, with few exceptions, the Company is no longer subject to state, city, or foreign income tax examinations for tax years before 2019. The following table provides a reconciliation of the beginning and ending amounts of gross unrecognized tax benefits: Year Ended December 31, (dollar amounts in millions) 2023 2022 Unrecognized tax benefits at beginning of year $ 94 $ 93 Gross increases for tax positions taken during prior years 8 1 Settlements with taxing authorities (94) — Unrecognized tax benefits at end of year $ 8 $ 94 Due to the complexities of some of these uncertainties, the ultimate resolution may result in a liability that is materially different from the current estimate of the tax liabilities. Certain proposed adjustments resulting from the IRS examination of our 2010 through 2011 tax returns were effectively settled in 2023. Any interest and penalties on income tax assessments or income tax refunds are recognized in the Consolidated Statements of Income as a component of provision for income taxes. The amounts of accrued tax-related interest and penalties were immaterial at December 31, 2023 and 2022. Further, the amount of net interest and penalties related to unrecognized tax benefits was immaterial for all periods presented. All of the gross unrecognized tax benefits would impact the Company’s effective tax rate if recognized. At December 31, 2023, retained earnings included approximately $182 million of base year reserves of acquired thrift institutions, for which no deferred federal income tax liability has been recognized. Under current law, if these bad debt reserves are used for purposes other than to absorb bad debt losses, they will be subject to federal income tax at the corporate rate enacted at the time. The amount of unrecognized deferred tax liability relating to the cumulative bad debt deduction was approximately $38 million at December 31, 2023.

FAIR VALUES OF ASSETS AND LIABI

FAIR VALUES OF ASSETS AND LIABILITIES	12 Months Ended
	Dec. 31, 2023
Fair Value Disclosures [Abstract]
FAIR VALUES OF ASSETS AND LIABILITIES	FAIR VALUES OF ASSETS AND LIABILITIES Following is a description of the valuation methodologies used for instruments measured at fair value, as well as the general classification of such instruments pursuant to the valuation hierarchy. Assets and liabilities measured at fair value rarely transfer between Level 1 and Level 2 measurements. There were no such transfers during the years ended December 31, 2023 and 2022. Loans held for sale Huntington has elected to apply the fair value option for mortgage loans originated with the intent to sell which are included in loans held for sale. Mortgage loans held for sale are classified as Level 2 and are estimated using security prices for similar product types. Loans held for investment Certain mortgage loans originated with the intent to sell for which the FVO was elected have been reclassified to loans held for investment. These loans continue to be measured at fair value. The fair value is determined using fair value of similar mortgage-backed securities adjusted for loan specific variables. Available-for-sale and trading account securities Securities accounted for at fair value include both the available-for-sale and trading account portfolios. Huntington determines the fair value of securities utilizing quoted market prices obtained for identical or similar assets, third-party pricing services, third-party valuation specialists and other observable inputs such as recent trade observations. AFS and trading securities classified as Level 1 use quoted market prices (unadjusted) in active markets for identical securities at the measurement date. Level 1 positions in these portfolios consist of U.S. Treasury securities. When quoted market prices are not available, fair values are classified as Level 2 using quoted prices for similar assets in active markets, quoted prices of identical or similar assets in markets that are not active, and inputs that are observable for the asset, either directly or indirectly, for substantially the full term of the financial instrument. Level 2 positions in these portfolios consist of U.S. Government and agency debt securities, agency mortgage backed securities, private-label asset-backed securities, certain municipal securities, and other securities. For Level 2 securities Huntington primarily uses prices obtained from third-party pricing services to determine the fair value of securities. Huntington independently evaluates and corroborates the fair value received from pricing services through various methods and techniques, including references to dealer or other market quotes, by reviewing valuations of comparable instruments, and by comparing the prices realized on the sale of similar securities. If relevant market prices are limited or unavailable, valuations may require significant management judgment or estimation to determine fair value, in which case the fair values are classified as Level 3. The Level 3 positions predominantly consist of direct purchase municipal securities. A significant change in the unobservable inputs for these securities may result in a significant change in the ending fair value measurement of these securities. The direct purchase municipal securities are classified as Level 3 and require estimates to determine fair value which results in greater subjectivity. The fair value is determined by utilizing a discounted cash flow valuation technique employed by a third-party valuation specialist. The third-party specialist uses assumptions related to yield, prepayment speed, conditional default rates and loss severity based on certain factors such as, credit worthiness of the counterparty, prevailing market rates, and analysis of similar securities. Huntington evaluates the fair values provided by the third-party specialist for reasonableness. Derivative assets and liabilities Derivatives classified as Level 2 primarily consist of interest rate contracts, which are valued using a discounted cash flow method that incorporates current market interest rates. In addition, Level 2 includes foreign exchange and commodity contracts, which are valued using exchange traded swaps, exchange traded options, and futures market data. Level 2 also includes exchange traded options and forward commitments to deliver mortgage-backed securities, which are valued using quoted prices. Derivatives classified as Level 3 consist of interest rate lock agreements related to mortgage loan commitments, the Visa ® share swap, and credit default swaps. MSRs MSRs are accounted for using the fair value method and are classified as Level 3. Refer to Note 7 - “ Mortgage Loan Sales and Servicing Rights ” for information on valuation methodology. Assets and Liabilities measured at fair value on a recurring basis Fair Value Measurements at Reporting Date Using Netting Adjustments (1) At December 31, 2023 (dollar amounts in millions) Level 1 Level 2 Level 3 Assets Trading account securities: U.S. Treasury securities $ 91 $ — $ — $ — $ 91 Other agencies — 2 — — 2 Municipal securities — 32 — — 32 Total trading account securities 91 34 — — 125 Available-for-sale securities: U.S. Treasury securities 2,856 — — — 2,856 Residential CMO — 3,184 — — 3,184 Residential MBS — 11,382 — — 11,382 Commercial MBS — 1,827 — — 1,827 Other agencies — 155 — — 155 Municipal securities — 38 3,335 — 3,373 Private-label CMO — 99 20 — 119 Asset-backed securities — 281 75 — 356 Corporate debt — 2,043 — — 2,043 Other securities/sovereign debt — 10 — — 10 Total available-for-sale securities 2,856 19,019 3,430 — 25,305 Other securities 30 2 — — 32 Loans held for sale — 506 — — 506 Loans held for investment — 120 54 — 174 MSRs — — 515 — 515 Other assets: Derivative assets — 1,720 3 (1,330) 393 Assets held in trust for deferred compensation plans 177 — — — 177 Liabilities Derivative liabilities $ — $ 1,416 $ 5 $ (751) $ 670 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 Municipal Private- Asset- Year Ended December 31, 2023 Opening balance $ 494 $ (2) $ 3,248 $ 20 $ 74 $ 16 Transfers into Level 3 — — — — — 41 Transfers out of Level 3 (1) — (23) — — — — Total gains/losses for the period: Included in earnings: Mortgage banking income 7 25 — — — — Interest and fee income — — (2) (1) — (3) Noninterest income — (2) — — — — Included in OCI — — 73 — 1 — Purchases/originations 63 — 928 1 — — Sales (1) — — — — — Settlements (48) — (912) — — — Closing balance $ 515 $ (2) $ 3,335 $ 20 $ 75 $ 54 Change in unrealized gains or losses for the period included in earnings for assets held at end of the reporting date $ 7 $ (3) $ — $ — $ — $ — Change in unrealized gains or losses for the period included in other comprehensive income for assets held at the end of the reporting period — — 47 — 1 — 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 Year Ended December 31, 2022 Opening balance $ 351 $ 4 $ 3,477 $ 20 $ 70 $ 19 Transfers out of Level 3 (1) — (3) — — — — Total gains/losses for the period: Included in earnings: Mortgage banking income 114 (3) — — — 1 Interest and fee income — — (5) (3) — — Provision for credit losses — — (4) — — — Included in OCI — — (262) — (1) — Purchases/originations/acquisitions 85 — 1,087 4 31 — Repayments — — — — — (4) Settlements (56) — (1,045) (1) (26) — Closing balance $ 494 $ (2) $ 3,248 $ 20 $ 74 $ 16 Change in unrealized gains or losses for the period included in earnings for assets held at end of the reporting date $ 114 $ (8) $ — $ — $ — $ — Change in unrealized gains or losses for the period included in other comprehensive income for assets held at the end of the reporting period — — (257) — (1) — Level 3 Fair Value Measurements Available-for-sale securities Loans held for investment (dollar amounts in millions) MSRs Derivative instruments Municipal securities Private label CMO Asset- backed securities Year Ended December 31, 2021 Opening balance $ 210 $ 41 $ 2,951 $ 9 $ 10 $ 23 Transfers out of Level 3 (1) — (132) — — — — Total gains/losses for the period: Included in earnings: Mortgage banking income 27 88 — — — — Interest and fee income — — (1) (2) — — Included in OCI — — (46) — — — Purchases/originations/acquisitions 194 7 1,835 11 115 — Sales — — (369) — — — Repayments — — — — — (4) Settlements (80) — (893) 2 (55) — Closing balance $ 351 $ 4 $ 3,477 $ 20 $ 70 $ 19 Change in unrealized gains or losses for the period included in earnings (or changes in net assets) for assets held at end of the reporting date $ 27 $ (41) $ — $ — $ — $ — Change in unrealized gains or losses for the period included in other comprehensive income for assets held at the end of the reporting period — — (47) — — — (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 December 31, 2023 Loans held for sale $ 506 $ 489 $ 17 $ — $ — $ — Loans held for investment 174 184 (10) 2 3 (1) 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 (losses) gains from fair value changes: Year Ended December 31, (dollar amounts in millions) 2023 2022 2021 Loans held for sale (1) $ 10 $ (26) $ (31) Loans held for investment (5) 1 (1) (1) The net gains (losses) from fair value changes are included in Mortgage banking income on the Consolidated Statements of Income. Assets and Liabilities measured at fair value on a nonrecurring basis Certain assets and liabilities may be required to be measured at fair value on a nonrecurring basis in periods subsequent to their initial recognition. These assets and liabilities are not measured at fair value on an ongoing basis; however, they are subject to fair value adjustments in certain circumstances, for example, when there is evidence of impairment. 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 Unobservable Inputs (Level 3) Total Gains/(Losses) Year Ended (dollar amounts in millions) December 31, 2023 December 31, 2022 December 31, 2023 December 31, 2022 December 31, 2021 Collateral-dependent loans $ 40 $ 16 $ (21) $ (1) $ (4) 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 that include 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 The following table presents quantitative information about the significant unobservable inputs for assets and liabilities measured at fair value: Quantitative Information about Level 3 Fair Value Measurements (1) At December 31, 2023 At December 31, 2022 (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 4 % - 37 % 9 % 5 % - 40 % 7 % Spread over forward interest rate swap rates 5 % - 13 % 5 % 5 % - 13 % 6 % Municipal securities and asset-backed securities Discounted cash flow Discount rate 4 % - 6 % 5 % 5 % - 5 % 5 % Cumulative default — % - 64 % 6 % — % - 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. Components of credit loss estimates including 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 the 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 below. 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 December 31, 2023 Financial Assets Cash and short-term assets $ 10,323 $ — $ — $ 10,323 $ 10,323 Trading account securities — — 125 125 125 Available-for-sale securities — — 25,305 25,305 25,305 Held-to-maturity securities 15,750 — — 15,750 13,718 Other securities 693 — 32 725 725 Loans held for sale — 10 506 516 516 Net loans and leases (1) 119,553 — 174 119,727 116,781 Derivative assets — — 393 393 393 Assets held in trust for deferred compensation plans — — 177 177 177 Financial Liabilities Deposits (2) 151,230 — — 151,230 151,183 Short-term borrowings 620 — — 620 620 Long-term debt 12,394 — — 12,394 12,276 Derivative liabilities — — 670 670 670 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 (2) 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. (2) Includes $1.4 billion and $462 million in time deposits in excess of the FDIC insurance coverage limit at December 31, 2023 and December 31, 2022, respectively. The following table presents the level in the fair value hierarchy for estimated fair values: Estimated Fair Value Measurements at Reporting Date Using Netting Presented Balance (dollar amounts in millions) Level 1 Level 2 Level 3 Adjustments (1) At December 31, 2023 Financial Assets Trading account securities $ 91 $ 34 $ — $ — $ 125 Available-for-sale securities 2,856 19,019 3,430 — 25,305 Held-to-maturity securities — 13,718 — — 13,718 Other securities (2) 30 2 — — 32 Loans held for sale — 506 10 — 516 Net loans and leases — 120 116,661 — 116,781 Derivative assets — 1,720 3 (1,330) 393 Financial Liabilities Deposits — 135,627 15,556 — 151,183 Short-term borrowings — 620 — — 620 Long-term debt — 8,929 3,347 — 12,276 Derivative liabilities — 1,416 5 (751) 670 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	12 Months Ended
	Dec. 31, 2023
Derivative Instruments and Hedging Activities Disclosure [Abstract]
DERIVATIVE FINANCIAL INSTRUMENTS	DERIVATIVE FINANCIAL INSTRUMENTS Derivative financial instruments are recorded in the Consolidated Balance Sheets as either an asset or a liability (in other assets or other liabilities, respectively) and measured at fair value. Derivative financial instruments can be designated as accounting hedges under GAAP. Designating a derivative as an accounting hedge allows Huntington to recognize gains and losses on the hedging instruments in the income statement line item where the gains and losses on the hedged item are recognized. Gains and losses on derivatives that are not designated in an effective hedge relationship under GAAP immediately impact earnings within the period they occur. The following table presents the fair values and notional values of all derivative instruments included in the Consolidated Balance Sheets. Amounts in the table below are presented gross without the impact of any net collateral arrangements. At December 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 $ 38,017 $ 868 $ 519 $ 42,461 $ 1,008 $ 1,145 Foreign exchange contracts 222 6 — 202 2 — Derivatives not designated as Hedging Instruments Interest rate contracts 41,526 718 757 37,562 968 1,008 Foreign exchange contracts 5,257 69 76 4,889 68 68 Credit contracts 381 — 2 — — — Commodities contracts 681 62 60 762 114 113 Equity contracts 759 — 7 636 4 3 Total Contracts $ 86,843 $ 1,723 $ 1,421 $ 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 Consolidated Income Statement. Location of Gain or (Loss) Recognized in Income on Derivatives Year Ended December 31, (dollar amounts in millions) 2023 2022 2021 Interest rate contracts: Customer Capital markets fees $ 30 $ 47 $ 50 Mortgage banking Mortgage banking income (10) (109) (26) Interest rate floors Interest and fee income on loans and leases — — (8) Interest rate caps Interest expense on long-term debt — — 89 Interest rate swaptions Other noninterest income (24) — — Foreign exchange contracts Capital markets fees 45 45 32 Credit contracts Other noninterest income (2) — — Commodities contracts Capital markets fees 5 5 3 Equity contracts Other noninterest expense (13) (9) (8) Total $ 31 $ (21) $ 132 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, identified by the underlying interest rate-sensitive instruments: At December 31, 2023 (dollar amounts in millions) Fair Value Hedges Cash Flow Hedges Economic Hedges Total Instruments associated with: Investment securities $ 11,649 $ — $ — $ 11,649 Loans — 16,675 175 16,850 Long-term debt 9,693 — — 9,693 Total notional value $ 21,342 $ 16,675 $ 175 $ 38,192 At December 31, 2022 (dollar amounts in millions) Fair Value Hedges Cash Flow Hedges Economic Hedges Total 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 and floors that were not included in the measurement of hedge effectiveness, as well as the amounts related to terminated hedges reclassified from AOCI. The net amounts resulted in a decrease to net interest income of $248 million for the year ended December 31, 2023, and an increase to net interest income of $76 million, and $337 million for the years ended December 31, 2022 and 2021, respectively. Fair Value Hedges The changes in fair value of the fair value hedges are recorded through earnings and offset against changes in the fair value of the hedged item. Huntington has designated $11.0 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 Consolidated Statements of Financial Condition. Huntington has also designated $662 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. Year Ended December 31, (dollar amounts in millions) 2023 2022 2021 Interest rate contracts Change in fair value of interest rate swaps hedging investment securities (1) $ (284) $ 875 $ 108 Change in fair value of hedged investment securities (1) 282 (862) (114) Change in fair value of interest rate swaps hedging long-term debt (2) 141 (300) (184) Change in fair value of hedged long term debt (2) (141) 300 187 (1) Recognized in Interest income—available-for-sale securities—taxable in the Consolidated Statements of Income . (2) Recognized in Interest expense - long-term debt in the Consolidated Statements of Income . The following amounts were recorded on the balance sheet related to cumulative basis adjustments for fair value hedges. Amortized Cost Cumulative Amount of Fair Value Hedging Adjustment To Hedged Items At December 31, At December 31, (dollar amounts in millions) 2023 2022 2023 2022 Assets Investment securities (1) $ 18,241 $ 18,029 $ (698) $ (979) Liabilities Long-term debt (2) 9,909 7,175 (115) (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 December 31, 2023, the amortized cost basis of the closed portfolios used in these hedging relationships was $17.6 billion, the cumulative basis adjustments associated with these hedging relationships was $619 million, and the notional amounts of the designated hedging instruments were $11.0 billion. (2) Excluded from the above table are the cumulative amount of fair value hedge adjustments remaining for long-term debt for which hedge accounting has been discontinued in the amounts of $(69) million at December 31, 2023 and $(70) million at December 31, 2022. Cash Flow Hedges At December 31, 2023, Huntington had $16.7 billion of interest rate swaps 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 floor contracts represents the time value of the contracts and is not included in the measurement of hedge effectiveness. 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 December 31, 2023, the net losses recognized in AOCI that are expected to be reclassified into earnings within the next 12 months were $236 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 was a net liability of $4 million and $3 million at December 31, 2023 and December 31, 2022, respectively. At December 31, 2023 and December 31, 2022, Huntington had commitments to sell residential real estate loans of $674 million 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 Consolidated Balance Sheets. Trading gains (losses) are included in mortgage banking income in the 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: At December 31, (dollar amounts in millions) 2023 2022 Notional value $ 1,668 $ 1,120 Trading assets — 4 Trading liabilities (69) (78) Year December 31, (dollar amounts in millions) 2023 2022 2021 Trading (losses) gains $ (10) $ (109) $ (26) Derivatives used in customer related activities Various derivative financial instruments are offered to enable customers to meet their financing and investing objectives and for their risk management purposes. Derivative financial instruments used in trading activities consist of commodity, interest rate, and foreign exchange contracts. Huntington enters into offsetting third-party contracts with approved, reputable counterparties with substantially matching terms and currencies in order to economically hedge significant exposure related to derivatives used in trading activities. The interest rate or price risk of customer derivatives is mitigated by entering into similar derivatives having offsetting terms with other counterparties. The credit risk to these customers is evaluated and included in the calculation of fair value. Foreign currency derivatives help the customer hedge risk and reduce exposure to fluctuations in exchange rates. Transactions are primarily in liquid currencies with Canadian dollars and Euros comprising a majority of all transactions. Commodity derivatives help the customer hedge risk and reduce exposure to fluctuations in the price of various commodities. Hedging of energy-related products and base metals comprise the majority of these transactions. The net fair values of these derivative financial instruments, for which the gross amounts are included in other assets or other liabilities at December 31, 2023 and December 31, 2022, were $47 million and $59 million, respectively. The total notional values of derivative financial instruments used by Huntington on behalf of customers, including offsetting derivatives, were $44.5 billion and $40.7 billion at December 31, 2023 and December 31, 2022, respectively. Huntington’s credit risk from customer derivatives was $122 million and $118 million at the same dates, respectively. Credit derivative instruments Huntington enters into credit default swaps to hedge credit risk associated with certain loans and leases. These contracts are accounted for as derivatives, and accordingly, these contracts are recorded at fair value. The total notional value of credit contracts at December 31, 2023 totaled $381 million and the position of these derivatives was a net liability of $2 million at that date. Financial assets and liabilities that are offset in the Consolidated Balance Sheets Huntington records derivatives at fair value as further described in Note 19 - “ 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 $238 million and $227 million at December 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 December 31, 2023, Huntington pledged $206 million of investment securities and cash collateral to counterparties, while other counterparties pledged $745 million of investment securities and cash collateral to Huntington to satisfy collateral netting agreements. In the event of credit downgrades, Huntington would not be required to provide additional collateral. The following tables present the gross amounts of these assets and liabilities with any offsets to arrive at the net amounts recognized in the Consolidated Balance Sheets. Offsetting of Financial Assets and Derivative Assets Gross amounts offset in the consolidated balance sheets Net amounts of assets presented in the consolidated balance sheets Gross amounts not offset in the consolidated balance sheets (dollar amounts in millions) Gross amounts of recognized assets Financial instruments Cash collateral received Net amount At December 31, 2023 $ 1,723 $ (1,330) $ 393 $ (45) $ (4) $ 344 At December 31, 2022 2,164 (1,808) 356 (7) (56) 293 Offsetting of Financial Liabilities and Derivative Liabilities Gross amounts offset in the consolidated balance sheets Net amounts of liabilities presented in the consolidated balance sheets Gross amounts not offset in the consolidated balance sheets (dollar amounts in millions) Gross amounts of recognized liabilities Financial instruments Cash collateral delivered Net amount At December 31, 2023 $ 1,421 $ (751) $ 670 $ — $ (93) $ 577 At December 31, 2022 2,337 (1,345) 992 (79) (118) 795

VARIABLE INTEREST ENTITIES

VARIABLE INTEREST ENTITIES	12 Months Ended
	Dec. 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 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. (dollar amounts in millions) Total Assets Total Liabilities Maximum Exposure to Loss At December 31, 2023 Affordable Housing Tax Credit Partnerships $ 2,297 $ 1,279 $ 2,297 Trust Preferred Securities 14 248 — Other Investments 894 140 894 Total $ 3,205 $ 1,667 $ 3,191 At December 31, 2022 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 Trust-Preferred Securities Huntington has certain wholly-owned trusts whose assets, liabilities, equity, income, and expenses are not included within Huntington’s Consolidated Financial Statements. These trusts have been formed for the sole purpose of issuing trust-preferred securities, from which the proceeds are then invested in Huntington junior subordinated debentures, which are reflected in Huntington’s Consolidated Balance Sheet as long-term debt. Refer to Note 11 - “ Borrowings ” for the outstanding amount of debentures issued to each trust and corresponding trust securities. The trust securities are the obligations of the trusts, and as such, are not consolidated within Huntington’s Consolidated Financial Statements. Each issue of the junior subordinated debentures has an interest rate equal to the corresponding trust securities distribution rate. Huntington has the right to defer payment of interest on the debentures at any time, or from time-to-time for a period not exceeding five years provided that no extension period may extend beyond the stated maturity of the related debentures. During any such extension period, distributions to the trust securities will also be deferred and Huntington’s ability to pay dividends on its common stock will be restricted. Periodic cash payments and payments upon liquidation or redemption with respect to trust securities are guaranteed by Huntington to the extent of funds held by the trusts. The guarantee ranks subordinate and junior in right of payment to all indebtedness of the Company to the same extent as the junior subordinated debt. The guarantee does not place a limitation on the amount of additional indebtedness that may be incurred by Huntington. Affordable Housing Tax Credit Partnerships Huntington makes certain equity investments in various limited partnerships that sponsor affordable housing projects utilizing the LIHTC pursuant to Section 42 of the Internal Revenue Code. The purpose of these investments is to achieve a satisfactory return on capital, to facilitate the sale of additional affordable housing product offerings, and to assist in achieving goals associated with the Community Reinvestment Act. The primary activities of the limited partnerships include the identification, development, and operation of multi-family housing that is leased to qualifying residential tenants. Generally, these types of investments are funded through a combination of debt and equity. Huntington uses the proportional amortization method to account for a majority of its investments in these entities. These investments are included in other assets. Investments that do not meet the requirements of the proportional amortization method are accounted for using the equity method. Investment losses are included in Other noninterest income in the Consolidated Statements of Income. The following table presents the balances of Huntington’s affordable housing tax credit investments and related unfunded commitments. At December 31, (dollar amounts in millions) 2023 2022 Affordable housing tax credit investments $ 3,335 $ 2,891 Less: amortization (1,038) (855) Net affordable housing tax credit investments $ 2,297 $ 2,036 Unfunded commitments $ 1,279 $ 1,260 The following table presents other information relating to Huntington’s affordable housing tax credit investments. Year Ended December 31, (dollar amounts in millions) 2023 2022 2021 Tax credits and other tax benefits recognized $ 260 $ 203 $ 144 Proportional amortization expense included in provision for income taxes 205 170 126 There was no impairment recognized for the years ended December 31, 2023 and 2022, and 2021. Other Investments Other investments determined to be VIE’s include investments in Small Business Investment Companies, Historic Tax Credit Investments, certain equity method investments, renewable energy financings, and other miscellaneous investments.

COMMITMENTS AND CONTINGENT LIAB

COMMITMENTS AND CONTINGENT LIABILITIES	12 Months Ended
	Dec. 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 Consolidated Financial Statements. The contract amounts of these financial agreements were as follows: At December 31, (dollar amounts in millions) 2023 2022 Contract amount representing credit risk Commitments to extend credit: Commercial $ 32,344 $ 32,500 Consumer 19,270 19,064 Commercial real estate 2,543 3,393 Standby letters of credit and guarantees on industrial revenue bonds 814 714 Commercial letters of credit 9 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. Certain commitments to extend credit are secured by collateral, including residential and commercial real estate, inventory, receivables, cash and securities, and other business assets. 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 $9 million and $27 million at December 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 or may be 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 $20 million at December 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.

OTHER REGULATORY MATTERS

OTHER REGULATORY MATTERS	12 Months Ended
	Dec. 31, 2023
BankingRegulation [Abstract]
OTHER REGULATORY MATTERS	OTHER REGULATORY MATTERS Huntington and the Bank are subject to certain risk-based capital and leverage ratio requirements under the U.S. Basel III capital rules adopted by the Federal Reserve, for Huntington, and by the OCC, for the Bank. These rules implement the Basel III international regulatory capital standards in the U.S., as well as certain provisions of the Dodd-Frank Act. These quantitative calculations are minimums, and the Federal Reserve and OCC may determine that a banking organization, based on its size, complexity, or risk profile, must maintain a higher level of capital in order to operate in a safe and sound manner. Under the U.S. Basel III capital rules, Huntington’s and the Bank’s assets, exposures and certain off-balance sheet items are subject to risk weights used to determine the institutions’ risk-weighted assets. Failure to be well-capitalized or to meet minimum capital requirements could result in certain mandatory and possible additional discretionary actions by regulators that, if undertaken, could have an adverse material effect on our operations or financial condition. Failure to be well-capitalized or to meet minimum capital requirements could also result in restrictions on Huntington’s or the Bank’s ability to pay dividends or otherwise distribute capital or to receive regulatory approval of applications. In addition to meeting the minimum capital requirements under the U.S. Basel III capital rules, Huntington and the Bank must also maintain the applicable capital buffer requirements, SCB or CCB, to avoid becoming subject to restrictions on capital distributions and certain discretionary bonus payments to management. As of December 31, 2023, Huntington’s and the Bank’s regulatory capital ratios were above the well-capitalized standards and met the applicable capital buffer requirements. Please refer to the table below for a summary of Huntington’s and the Bank’s regulatory capital ratios. Minimum Minimum Ratio+ Basel III Regulatory Capital Buffer (1) Well- At December 31, Capital At December 31, Capitalized 2023 2022 (dollar amounts in millions) Ratios 2023 2022 Minimums Ratio Amount Ratio Amount CET1 risk-based capital Consolidated 4.50 % 7.70 % 7.80 % N/A 10.25 % $ 14,212 9.36 % $ 13,290 Bank 4.50 7.00 7.00 6.50 % 10.60 14,671 9.98 14,133 Tier 1 risk-based capital Consolidated 6.00 9.20 9.30 6.00 11.98 16,616 10.90 15,467 Bank 6.00 8.50 8.50 8.00 11.47 15,879 10.83 15,334 Total risk-based capital Consolidated 8.00 11.20 11.30 10.00 14.17 19,657 13.09 18,573 Bank 8.00 10.50 10.50 10.00 13.09 18,126 12.47 17,647 Tier 1 leverage Consolidated 4.00 N/A N/A N/A 9.32 16,616 8.60 15,467 Bank 4.00 N/A N/A 5.00 8.51 15,879 8.54 15,334 (1) The SCB, applicable to Huntington, was 3.2% and 3.3% at December 31, 2023 and December 31, 2022, respectively. The CCB, applicable to the Bank, was 2.5% at both December 31, 2023 and December 31, 2022. Under current Federal Reserve regulations, the Bank is limited as to the amount and type of loans it may make to the parent company and nonbank subsidiaries. At December 31, 2023, the Bank could lend $1.8 billion to a single affiliate, subject to the qualifying collateral requirements defined in the regulations.

PARENT-ONLY FINANCIAL STATEMENT

PARENT-ONLY FINANCIAL STATEMENTS	12 Months Ended
	Dec. 31, 2023
Condensed Financial Information Disclosure [Abstract]
PARENT-ONLY FINANCIAL STATEMENTS	PARENT-ONLY FINANCIAL STATEMENTS The parent-only financial statements, which include transactions with subsidiaries, are as follows: Balance Sheets At December 31, (dollar amounts in millions) 2023 2022 Assets Cash and due from banks $ 4,001 $ 3,525 Due from The Huntington National Bank 2,163 969 Due from non-bank subsidiaries 25 25 Investment in The Huntington National Bank 18,388 17,384 Investment in non-bank subsidiaries 263 242 Accrued interest receivable and other assets 718 664 Total assets $ 25,558 $ 22,809 Liabilities and shareholders’ equity Long-term borrowings $ 4,993 $ 3,980 Dividends payable, accrued expenses, and other liabilities 1,212 1,098 Total liabilities 6,205 5,078 Shareholders’ equity (1) 19,353 17,731 Total liabilities and shareholders’ equity $ 25,558 $ 22,809 (1) See Consolidated Statements of Changes in Shareholders’ Equity. Statements of Income Year Ended December 31, (dollar amounts in millions) 2023 2022 2021 Income Dividends from: The Huntington National Bank $ 1,706 $ 1,566 $ 1,394 Non-bank subsidiaries 27 19 19 Interest from: The Huntington National Bank 77 16 3 Non-bank subsidiaries 2 1 1 Other (1) (1) — Total income 1,811 1,601 1,417 Expense Personnel costs 5 8 6 Interest on borrowings 252 107 60 Other 191 169 230 Total expense 448 284 296 Income before income taxes and equity in undistributed net income of subsidiaries 1,363 1,317 1,121 Provision (benefit) for income taxes (75) (44) (56) Income before equity in undistributed net income of subsidiaries 1,438 1,361 1,177 Increase in undistributed net income of: The Huntington National Bank 486 853 97 Non-bank subsidiaries 27 24 21 Net income $ 1,951 $ 2,238 $ 1,295 Other comprehensive income (loss)(1) 422 (2,869) (421) Comprehensive income (loss) $ 2,373 $ (631) $ 874 (1) See Consolidated Statements of Comprehensive Income for other comprehensive (loss) income detail. Statements of Cash Flows Year Ended December 31, (dollar amounts in millions) 2023 2022 2021 Operating activities Net income $ 1,951 $ 2,238 $ 1,295 Adjustments to reconcile net income to net cash provided by operating activities: Equity in undistributed net income of subsidiaries (513) (877) (118) Depreciation and amortization — (22) 23 Other, net 192 (55) (217) Net cash provided by operating activities 1,630 1,284 983 Investing activities Repayments from subsidiaries 503 14 8 Advances to subsidiaries (1,753) (503) (59) Net purchases of securities — (20) (28) Net cash (paid) received from business combination — (194) 248 Other, net (10) (1) — Net cash (used for) provided by investing activities (1,260) (704) 169 Financing activities Proceeds from issuance of long-term debt 1,250 1,144 513 Payment of long-term debt (323) — (1,508) Dividends paid on common and preferred stock (1,034) (1,010) (888) Repurchases of common stock — — (650) Net proceeds from issuance of preferred stock 317 — 486 Repurchase/redemption of preferred stock (82) — (700) Other, net (22) (21) (39) Net cash provided by (used for) financing activities 106 113 (2,786) Increase (decrease) in cash and cash equivalents 476 693 (1,634) Cash and cash equivalents at beginning of year 3,525 2,832 4,466 Cash and cash equivalents at end of year $ 4,001 $ 3,525 $ 2,832 Supplemental disclosure: Interest paid $ 228 $ 89 $ 71

SEGMENT REPORTING

SEGMENT REPORTING	12 Months Ended
	Dec. 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. Huntington completed an organizational realignment during the 2023 second quarter and now reports on two business segments: Consumer & Regional Banking and Commercial Banking. The organizational realignment primarily involved consolidating our previously reported Consumer and Business Banking, Vehicle Finance and RBHPCG, into one new business segment called Consumer & Regional Banking. Prior period results have been adjusted to conform to the new segment presentation. The following is a description of our business segments and the Treasury / Other function: Consumer & Regional Banking - Consumer & Regional Banking offers a comprehensive set of digitally powered consumer and business financial solutions to Consumer Lending, Regional Banking, Branch Banking, and Wealth Management customers. The Consumer & Regional Banking segment provides a wide array of financial products and services to consumer and business customers including, but not limited to, deposits, lending, payments, mortgage banking, dealer financing, investment management, trust, brokerage, insurance, and other financial products and services. We serve our customers through our network of channels, including branches and ATMs, online and mobile banking, and through our customer call centers. Commercial Banking - The Commercial Banking segment provides expertise through bankers, capabilities, and digital channels, which include a comprehensive set of product offerings. Our target clients span from mid-market to large corporates across a national footprint. The Commercial Banking segment leverages internal partnerships for wealth management, trust, insurance, payments, and treasury management capabilities. In particular, our payment capabilities continue to expand as we develop unique solutions for our diverse client segments, including Huntington ChoicePay. This segment includes customers in Middle Market Banking, Corporate, Specialty, and Government Banking, Asset Finance, Commercial Real Estate Banking, and Capital Markets. Treasury / Other - The Treasury / Other function includes technology and operations, and other unallocated assets, liabilities, revenue, and expense. Business segment results are determined based upon Huntington’s management reporting system, which assigns balance sheet and income statement items to each of the business segments. The process is designed around the organizational and management structure and, accordingly, the results derived are not necessarily comparable with similar information published by other financial institutions. Additionally, because of the interrelationships of the various segments, the information presented is not indicative of how the segments would perform if they operated as independent entities. Revenue is recorded in the business segment responsible for the related product or service. Fee sharing is recorded to allocate portions of such revenue to other business segments involved in selling to, or providing service to, customers. Results of operations for the business segments reflect these fee sharing allocations. The management process that develops the business segment reporting utilizes various estimates and allocation methodologies to measure the performance of the business segments. Expenses are allocated to business segments using a two-phase approach. The first phase consists of measuring and assigning unit costs (activity-based costs) to activities related to product origination and servicing. These activity-based costs are then extended, based on volumes, with the resulting amount allocated to business segments that own the related products. The second phase consists of the allocation of overhead costs to the business segments from Treasury / Other. Huntington utilizes a full-allocation methodology, where all Treasury / Other expenses, except reported acquisition-related net expenses, if any, and a small amount of other residual unallocated expenses, are allocated to the business segments. The management policies and processes utilized in compiling segment financial information are highly subjective and, unlike financial accounting, are not based on authoritative guidance similar to GAAP. As a result, reported segment results are not necessarily comparable with similar information reported by other financial institutions. Furthermore, changes in management structure or allocation methodologies and procedures result in changes in reported segment financial data. Huntington uses an active and centralized FTP methodology to attribute appropriate net interest income to the business segments. The intent of the FTP methodology is to transfer interest rate risk from the business segments by providing matched duration funding of assets and liabilities. The result is to centralize the financial impact, management, and reporting of interest rate risk in the Treasury / Other function where it can be centrally monitored and managed. The Treasury / Other function charges (credits) an internal cost of funds for assets held in (or pays for funding provided by) each business segment. During the fourth quarter of 2023, we revised our FTP methodology for non-maturity deposits, which has been enhanced to consider the internally modeled weighted average life by non-maturity deposit type. Prior period results have been adjusted to conform to the revised FTP methodology. Listed in the table below is certain operating basis financial information reconciled to Huntington’s, reported results by business segment. Income Statements (dollar amounts in millions) Consumer & Regional Banking Commercial Banking Treasury / Other Huntington Consolidated Year Ended December 31, 2023 Net interest income (loss) $ 3,717 $ 2,162 $ (440) $ 5,439 Provision for credit losses 246 156 — 402 Noninterest income 1,257 646 18 1,921 Noninterest expense 3,064 1,134 376 4,574 Provision (benefit) for income taxes 349 319 (255) 413 Income attributable to non-controlling interest — 20 — 20 Net income (loss) attributable to Huntington Bancshares Inc $ 1,315 $ 1,179 $ (543) $ 1,951 Year Ended December 31, 2022 Net interest income $ 3,213 $ 1,807 $ 253 $ 5,273 Provision for credit losses 260 29 — 289 Noninterest income 1,272 667 42 1,981 Noninterest expense 2,924 1,056 221 4,201 Provision (benefit) for income taxes 274 292 (51) 515 Income attributable to non-controlling interest — 10 1 11 Net income attributable to Huntington Bancshares Inc $ 1,027 $ 1,087 $ 124 $ 2,238 Year Ended December 31, 2021 Net interest income (loss) $ 3,103 $ 1,483 $ (484) $ 4,102 Provision for credit losses 2 23 — 25 Noninterest income 1,289 519 81 1,889 Noninterest expense 2,698 787 890 4,375 Provision (benefit) for income taxes 355 251 (312) 294 Income attributable to non-controlling interest — 2 — 2 Net income (loss) attributable to Huntington Bancshares Inc $ 1,337 $ 939 $ (981) $ 1,295 Assets at December 31, Deposits at December 31, (dollar amounts in millions) 2023 2022 2023 2022 Consumer & Regional Banking $ 73,082 $ 70,268 $ 110,157 $ 105,064 Commercial Banking 63,377 63,611 35,466 36,807 Treasury / Other 52,909 49,027 5,607 6,043 Total $ 189,368 $ 182,906 $ 151,230 $ 147,914

Pay vs Performance Disclosure

Pay vs Performance Disclosure - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Pay vs Performance Disclosure
Net Income (Loss) Attributable to Parent	$ 1,951	$ 2,238	$ 1,295

Insider Trading Arrangements

Insider Trading Arrangements	3 Months Ended	12 Months Ended
	Dec. 31, 2023 shares	Dec. 31, 2023 shares
Trading Arrangements, by Individual
Non-Rule 10b5-1 Arrangement Adopted	false
Rule 10b5-1 Arrangement Terminated	false
Non-Rule 10b5-1 Arrangement Terminated	false
Julie C. Tutkovics [Member]
Trading Arrangements, by Individual
Material Terms of Trading Arrangement		On November 20, 2023, Julie C. Tutkovics, our Chief Marketing and Communications Officer, adopted a trading plan intended to satisfy the conditions under Rule 10b5-1(c) of the Exchange Act. Ms. Tutkovics’ plan is for the sale of up to 178,395 shares of our common stock in amounts and prices determined in accordance with formulae set forth in the plan and terminates on the earlier of the date all the shares under the plan are sold and November 4, 2024.
Name	Julie C. Tutkovics
Title	Chief Marketing and Communications Officer
Rule 10b5-1 Arrangement Adopted	true
Adoption Date	November 20, 2023
Arrangement Duration	350 days
Aggregate Available	178,395	178,395

SIGNIFICANT ACCOUNTING POLICI_2

SIGNIFICANT ACCOUNTING POLICIES (Policies)	12 Months Ended
	Dec. 31, 2023
Accounting Policies [Abstract]
Basis of Presentation	Basis of Presentation — The Consolidated Financial Statements include the accounts of Huntington and its majority-owned subsidiaries and are presented in accordance with GAAP. All intercompany transactions and balances are eliminated in consolidation. Entities in which Huntington holds a controlling financial interest are consolidated. For a voting interest entity, a controlling financial interest is generally where Huntington holds, directly or indirectly, more than 50% of the outstanding voting shares. For a VIE, a controlling financial interest is where Huntington has the power to direct the activities of an entity that most significantly impact the entity’s economic performance and has an obligation to absorb losses or the right to receive benefits from the VIE. For consolidated entities where Huntington holds less than a 100% interest, Huntington recognizes non-controlling interest (included in shareholders’ equity) for the equity held by minority shareholders and non-controlling profit or loss (included in income attributable to non-controlling interest) for the portion of the entity’s earnings attributable to minority interests. Investments in companies that are not consolidated are accounted for using the equity method when Huntington has the ability to exert significant influence. Investments in non-marketable equity securities for which Huntington does not have the ability to exert significant influence are generally accounted for using fair value or a cost measurement alternative adjusted for impairment and other changes in observable prices. Investments in private investment partnerships that are accounted for under the equity method or the cost measurement alternative are included in other assets and Huntington’s earnings in equity investments are included in other noninterest income. Investments accounted for under the cost measurement alternative and equity methods are periodically evaluated for impairment. Huntington updated the presentation of our noninterest income categories during the 2023 fourth quarter to align product and service types more closely with how we strategically manage our business. All prior period results have been adjusted to conform to the current presentation. See Note 15 - “ Revenue from Contracts wi th Customers ” for a description of our major noninterest income categories.
Use of Estimates	Use of Estimates
Cash and Cash Equivalents	Cash and cash equivalents
Securities	Securities — Securities purchased with the intention of recognizing short-term profits or which are actively bought and sold are classified as trading account securities and reported at fair value. The unrealized gains or losses on trading account securities are recorded in other noninterest income. Debt securities purchased that Huntington has the positive intent and ability to hold to their maturity are classified as held-to-maturity securities. Held-to-maturity securities are recorded at amortized cost. All other debt securities are classified as available-for-sale securities. Available-for-sale securities are recognized and measured at fair value with any change in the fair value recognized in other comprehensive income. All equity securities are classified as other securities. Securities transactions are recognized on the trade date (the date the order to buy or sell is executed). The carrying value plus any related AOCI balance of sold securities is used to compute realized gains and losses. Interest on securities, including amortization of premiums and accretion of discounts using the effective interest method over the period to maturity, is included in interest income. Non-marketable equity securities include stock held for membership and regulatory purposes, such as FHLB stock and Federal Reserve Bank stock, and other non-marketable equity securities. These securities are accounted for at cost, evaluated for impairment, and are included in other securities. Other securities also include mutual funds and other marketable equity securities. These securities are carried at fair value, with changes in fair value recognized in other noninterest income.
Loans and Leases, Nonaccrual and Past Due Loans, Allowance for Credit Losses, Charge-off of Uncollectible Loans	Loans and Leases — Loans for which Huntington has the intent and ability to hold for the foreseeable future, or until maturity or payoff, except loans for which the fair value option has been elected, are carried at the principal amount outstanding, net of charge-offs, unamortized deferred loan origination fees and costs, premiums and discounts, and unearned income. Direct financing leases are reported at the aggregate of lease payments receivable and estimated residual values, net of unearned and deferred income, and any initial direct costs incurred to originate these leases. Renewal options for leases are at the option of the lessee and are typically not included in the measurement of the lease receivable as they are not considered reasonably certain of exercise. Purchase options are typically at fair value, and as such those options are not considered in the measurement of lease receivables or in lease classification. Interest income is accrued as earned using the interest method. Huntington defers the fees it receives from the origination of loans and leases, as well as the direct costs of those activities. Huntington also acquires loans at premiums and/or discounts to their contractual values. Huntington amortizes loan discounts, premiums, and net loan origination fees and costs over the contractual lives of the related loans using the effective interest method. 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 loan 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 is disclosed as a modification to a borrower experiencing financial difficulty. 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. Impairment of the residual values of direct financing leases is evaluated quarterly, with impairment arising if the expected fair value is less than the carrying amount. Huntington assesses net investments in leases (including residual values) for impairment and recognizes impairment losses in accordance with the impairment guidance for financial instruments. As such, net investments in leases may be reduced by an allowance for credit losses, with changes recognized as provision expense. For leased equipment, the residual component of a direct financing lease represents the estimated fair value of the leased equipment at the end of the lease term. Huntington uses industry data, historical experience, and independent appraisals to establish these residual value estimates. Upon expiration of a lease, residual assets are remarketed, resulting in an extension of the lease by the lessee, a lease to a new customer, or purchase of the residual asset by the lessee or another party. Huntington also purchases insurance guaranteeing the value of certain residual assets. Nonaccrual and Past Due Loans — Loans are considered past due when the contractual amounts due with respect to principal and interest are not received within 30 days of the contractual due date. Any loan in any portfolio may be placed on nonaccrual status prior to the policies described below when collection of principal or interest is in doubt. When a borrower with debt is discharged in a Chapter 7 bankruptcy and the debt is not reaffirmed by the borrower, the loan is determined to be collateral dependent and placed on nonaccrual status, unless there is a co-borrower or the repayment is likely to occur based on objective evidence. All classes within the commercial loan and lease portfolio are placed on nonaccrual status at 90-days past due. First-lien home equity loans are placed on nonaccrual status at 150-days past due. Junior-lien home equity loans are placed on nonaccrual status at the earlier of 120-days past due or when the related first-lien loan has been identified as nonaccrual. Automobile, RV and marine, and other consumer loans are generally fully charged-off at 120-days past due, and if not fully charged-off are placed on non-accrual. Residential mortgage loans are placed on nonaccrual status at 150-days past due, with the exception of residential mortgages guaranteed by government agencies which continue to accrue interest at the rate guaranteed by the government agency. For all classes within all loan portfolios, when a loan is placed on nonaccrual status, any accrued interest is reversed and charged against interest income. For all classes within all loan portfolios, cash receipts on NALs are applied against principal until the loan or lease has been collected in full, including the charged-off portion, after which time any additional cash receipts are recognized as interest income. However, for secured non-reaffirmed debt in a Chapter 7 bankruptcy, payments are applied to principal and interest when the borrower has demonstrated a capacity to continue payment of the debt and collection of the debt is reasonably assured. For unsecured non-reaffirmed debt in a Chapter 7 bankruptcy where the carrying value has been fully charged-off, payments are recorded as loan recoveries. Management monitors several factors to evaluate a borrower’s financial condition and their ability to make principal and interest payments. When, in management’s judgment, the borrower’s ability to make required principal and interest payments resumes and collectability is no longer in doubt, supported by sustained repayment history, the loan is returned to accrual status. For loans that are returned to accrual status, cash receipts are applied according to the contractual terms of the loan. Collateral-dependent Loans — Certain commercial and consumer loans for which repayment is expected to be provided substantially through the operation or sale of the loan collateral are considered to be collateral-dependent. Allowance for Credit Losses — Huntington performs an ACL evaluation on its loan and lease portfolio, held-to-maturity securities as well as on available-for-sale securities. The ACL on loan and lease portfolio and held-to-maturity securities are provided through an expected loss methodology referred to as CECL methodology. The ACL on AFS securities is provided when a credit loss is deemed to have occurred for securities which Huntington does not intend to sell or is not required to sell. The CECL methodology also applies to credit exposures on off-balance-sheet loan commitments, financial guarantees not accounted for as insurance, including standby letters of credit, and other similar instruments not recognized as derivative financial instruments. Loan and Lease portfolio - The ACL is deducted from the amortized cost basis of a financial asset or a group of financial assets so that the balance sheet reflects the net amount Huntington expects to collect. Amortized cost is the principal balance outstanding, net of purchase premiums and discounts, fair value hedge accounting adjustments, and deferred fees and costs. Subsequent changes (favorable and unfavorable) in expected credit losses are recognized immediately in net income as a provision for credit losses or a reversal of provision for credit losses. Management estimates the allowance by utilizing models dependent upon loan risk characteristics and economic parameters. Commercial loan risk characteristics include but are not limited to risk ratings, industry type and maturity type. Consumer loan risk characteristics include but are not limited to FICO scores, LTV, and loan vintages. The economic parameters are developed using available information relating to past events, current conditions, and reasonable and supportable forecasts. Huntington’s reasonable and supportable forecast period reverts to a historical norm based on inputs within approximately two to three years. The reversion period is dependent on the state of the economy at the beginning of the forecast. Historical credit experience provides the basis for the estimation of expected credit losses, with adjustments made for differences in current loan-specific risk characteristics such as differences in underwriting standards, portfolio mix, delinquency levels and terms, as well as for changes in the macroeconomic environment. The contractual terms of financial assets are adjusted for expected prepayments and any extensions outside of Huntington’s control. The ACL is measured on a collective basis when similar risk characteristics exist. Loans that are determined to have unique risk characteristics are evaluated on an individual basis by management. If a loan is determined to be collateral dependent or meets the criteria to apply the collateral dependent practical expedient, expected credit losses are determined based on the fair value of the collateral at the reporting date, less costs to sell as appropriate. Management believes the products within each of the entity’s portfolio classes exhibit similar risk characteristics. Huntington has identified its portfolio classes as disclosed in Note 5 - “ Loans and Leases .” In addition to the transaction reserve described above, Huntington also maintains a general reserve that consists of various risk-profile reserve components. The risk-profile components consider items unique to Huntington’s structure, policies, processes, and portfolio composition, as well as qualitative measurements and assessments of the loan portfolios including, but not limited to, economic uncertainty, concentrations, portfolio composition, industry comparisons and internal review functions. Huntington has elected to exclude accrued interest receivable from the measurement of its ACL given the well-defined non-accrual policies in place for all loan portfolios which results in timely reversal of outstanding interest through interest income. The estimate for the off-balance sheet exposures, the AULC, is determined using the same procedures and methodologies as used for the loan and lease portfolio supplemented by the information related to future draws and related credit loss expectations. The AULC is recorded in other liabilities in the Consolidated Balance Sheets. HTM Securities - The allowance for held-to-maturity debt securities is estimated using a CECL methodology. Any expected credit loss is provided through the allowance for credit loss on HTM securities and is deducted from the amortized cost basis of the security so that the balance sheet reflects the net amount Huntington expects to collect. Nearly all of Huntington’s HTM debt securities are issued by U.S. government entities and agencies. These securities are either explicitly or implicitly guaranteed by the U.S. government, are highly rated by major rating agencies, and have a long history of no credit losses. Accordingly, there is a zero credit loss expectation on these securities. AFS Securitie s - Huntington evaluates its available-for-sale investment securities portfolio on a quarterly basis for indicators of impairment. Huntington assesses whether an impairment has occurred when the fair value of a debt security is less than the amortized cost at the balance sheet date. Management reviews the amount of unrealized loss, the credit rating history, market trends of similar security classes, time remaining to maturity, and the source of both interest and principal payments to identify securities which could potentially be impaired. For those debt securities that Huntington intends to sell or is more likely than not required to sell, before the recovery of their amortized cost basis, the difference between fair value and amortized cost is considered to be impaired and is recognized in provision for credit losses. For those debt securities that Huntington does not intend to sell or is not more likely than not required to sell, prior to expected recovery of amortized cost basis, the credit portion of the impairment is recognized through an allowance in provision for credit losses while the noncredit portion is recognized in OCI. In determining the credit portion, Huntington uses a discounted cash flow analysis, which includes evaluating the timing and amount of the expected cash flows. Non-credit-related impairment results from other factors, including increased liquidity spreads and higher interest rates. Charge-off of Uncollectible Loans — Any loan in any portfolio may be charged-off prior to the policies described below if a loss confirming event has occurred. Loss confirming events include, but are not limited to, bankruptcy (unsecured), continued delinquency, foreclosure, or receipt of an asset valuation indicating a collateral deficiency and that asset is the sole source of repayment. Additionally, discharged, collateral dependent non-reaffirmed debt in Chapter 7 bankruptcy filings will result in a charge-off to estimated collateral value, less anticipated selling costs, unless the repayment is likely to occur based on objective evidence. Commercial loans and leases are generally either charged-off or written down to net realizable value at 90-days past due. Automobile, RV and marine, and other consumer loans are generally charged-off at 120-days past due. First-lien and junior-lien home equity loans are charged-off to the estimated fair value of the collateral, less anticipated selling costs, at 150-days past due and 120-days past due, respectively. Residential mortgages are charged-off to the estimated fair value of the collateral at 150-days past due.
Loans Held for Sale	Loans Held for Sale
Collateral	Collateral — Huntington pledges assets as collateral as required for various transactions including security repurchase agreements, public deposits, loan notes, derivative financial instruments, short-term borrowings, and long-term borrowings. Assets that have been pledged as collateral, including those that can be sold or repledged by the secured party, continue to be reported on the Consolidated Balance Sheets. Huntington also accepts collateral, primarily as part of various transactions including derivative instruments and security resale agreements. Collateral received is excluded from the Consolidated Balance Sheets.
Premises and Equipment	Premises and Equipment — Premises and equipment are stated at cost, less accumulated depreciation and amortization. Depreciation is computed principally by the straight-line method over the estimated useful lives of the related assets. Buildings and building improvements are depreciated over an average of 30 to 40 years and 10 to 30 years, respectively. Land improvements and furniture and fixtures are depreciated over an average of 5 to 20 years, while equipment is depreciated over a range of 3 to 10 years. Leasehold improvements are amortized over the lesser of the asset’s useful life or the lease term, including any renewal periods for which renewal is reasonably assured. Premises and equipment are evaluated for impairment whenever events or changes in circumstances indicate that the carrying amount of the asset may not be recoverable.
Mortgage Servicing Rights	Mortgage Servicing Rights
Goodwill and Other Intangible Assets	Goodwill and Other Intangible Assets — Under the acquisition method of accounting, the net assets of entities acquired by Huntington are recorded at their estimated fair value at the date of acquisition. The excess cost of consideration paid over the fair value of net assets acquired is recorded as goodwill. Goodwill is evaluated for impairment on an annual basis at October 1 st of each year or whenever events or changes in circumstances indicate the carrying value may not be recoverable. Other intangible assets with finite useful lives are amortized either on an accelerated or straight-line basis over their estimated useful lives. Other intangible assets are reviewed for impairment whenever events or changes in circumstances indicate that the carrying amount of the asset may not be recoverable.
Operating Leases (Lessee)	Operating Leases (Lessee) — Huntington has elected not to include non-lease components in the measurement of right-of-use assets, and as such allocates the costs attributable to such components, where those costs are not separately identifiable, via per-square-foot costing analysis developed by the entity for owned and leased spaces. Huntington uses a portfolio approach to develop discount rates as its lease portfolio is comprised of substantially all branch space and office space used in the entity’s operations. That rate, an input used in the measurement of the entity’s right-of-use assets, leverages an incremental borrowing rate of appropriate tenor and collateralization.
Derivative Financial Instruments	Derivative Financial Instruments — A variety of derivative financial instruments, principally interest rate swaps, swaptions, caps, swaption collars, floors, forward contracts, and forward starting interest rate swaps are used in asset and liability management activities to protect against the risk of adverse price or interest rate movements. These instruments provide flexibility in adjusting Huntington’s sensitivity to changes in interest rates without exposure to loss of principal and higher funding requirements. Huntington also uses derivatives, principally loan sale commitments, in hedging its mortgage loan interest rate lock commitments and its mortgage loans held for sale. Mortgage loan sale commitments and the related interest rate lock commitments are carried at fair value on the Consolidated Balance Sheets with changes in fair value reflected in mortgage banking income. Huntington also uses certain derivative financial instruments to offset changes in value of its MSRs. These derivatives consist primarily of forward interest rate agreements and forward mortgage contracts. The derivative instruments used are not designated as qualifying hedges. Accordingly, such derivatives are recorded at fair value with changes in fair value reflected in mortgage banking income. Derivative financial instruments are recorded in the Consolidated Balance Sheets as either an asset or a liability (in other assets and other liabilities, respectively) and measured at fair value. Accounting for changes in fair value of derivatives depends on whether the derivative is designated and qualifies in a hedging relationship. At inception a derivative contract can be designated as: • a qualifying hedge of the fair value of a recognized asset or liability or of an unrecognized firm commitment (fair value hedge); • a qualifying hedge of the variability of cash flows to be received or paid related to a recognized asset, liability or forecasted transaction (cash flow hedge); or • a qualifying hedge of Huntington’s investment in non-U.S. dollar functional currency entities (net investment hedge). Changes in the fair value of a derivative that has been designated and qualifies as a fair value hedge, along with the changes in the fair value of the hedged asset or liability that is attributable to the hedged risk, are recorded in current period earnings. Changes in the fair value of a derivative that has been designated and qualifies as a cash flow hedge are recorded in other comprehensive income, net of income taxes, and reclassified into earnings in the period during which the hedged item affects earnings. Changes in the fair value of derivatives that have been designated as net investment hedges are recorded in other comprehensive income, net of income taxes, and reclassified into earnings during the period the foreign entity is substantially liquidated or other elements of the currency translation adjustment are reclassified into earnings. Changes in the fair value of derivatives which do not qualify for hedge accounting are reported in current period earnings. For those derivatives to which hedge accounting is applied, Huntington formally documents the hedging relationship and the risk management objective and strategy for undertaking the hedge. This documentation identifies the hedging instrument, the hedged item or transaction, the nature of the risk being hedged, and, unless the hedge meets all of the criteria to assume there is no ineffectiveness, the method that will be used to assess the effectiveness of the hedging instrument. Huntington typically assesses effectiveness using statistical regression at inception and on an ongoing basis. Hedge accounting is discontinued prospectively when: • the derivative is no longer effective or expected to be effective in offsetting changes in the fair value, cash flows or changes in net investment of a hedged item (including firm commitments or forecasted transactions); • the derivative expires, is sold, terminated, or exercised; • the forecasted transaction is no longer probable of occurring by the end of the originally specified time period; • the hedged firm commitment no longer meets the definition of a firm commitment; or • the designation of the derivative as a hedging instrument is removed. When hedge accounting is discontinued and the derivative no longer qualifies as an effective fair value, cash flow or net investment hedge, the derivative continues to be carried on the balance sheet at fair value and changes in fair value will be recorded in current period earnings unless re-designated. Like other financial instruments, derivatives contain an element of credit risk, which is the possibility that Huntington will incur a loss because the counterparty fails to meet its contractual obligations. Notional values of interest rate swaps and other off-balance sheet financial instruments significantly exceed the credit risk associated with these instruments and represent contractual balances on which calculations of amounts to be exchanged are based. Credit exposure is limited to the sum of the aggregate fair value of positions that have become favorable to Huntington, including any accrued interest receivable due from counterparties. Potential credit losses are mitigated by derivatives through central clearing parties, careful evaluation of counterparty credit standing, selection of counterparties from a limited group of high quality institutions, collateral agreements, and other contract provisions. Huntington considers the value of collateral held and collateral provided in determining the net carrying value of derivatives. Huntington offsets the fair value amounts recognized for derivative instruments and the fair value for the right to reclaim cash collateral or the obligation to return cash collateral arising from derivative instruments recognized at fair value executed with the same counterparty under a master netting arrangement.
Fair Value Measurements	Fair Value Measurements — The Company records or discloses certain of its assets and liabilities at fair value. Fair value is defined as the exchange price that would be received for an asset or paid to transfer a liability (an exit price) in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants on the measurement date. Fair value measurements are classified within one of three levels in a valuation hierarchy based upon the observability of inputs to the valuation of an asset or liability as of the measurement date. The three levels are defined as follows: • Level 1 – inputs to the valuation methodology are quoted prices (unadjusted) for identical assets or liabilities in active markets. • Level 2 – inputs to the valuation methodology include quoted prices for similar assets and liabilities in active markets, and inputs that are observable for the asset or liability, either directly or indirectly, for substantially the full term of the financial instrument. • Level 3 – inputs to the valuation methodology are unobservable and significant to the fair value measurement. A financial instrument’s categorization within the valuation hierarchy is based upon the lowest level of input that is significant to the fair value measurement.
Bank Owned Life Insurance	Bank Owned Life Insurance — Huntington’s bank owned life insurance policies are recorded at their cash surrender value. Huntington recognizes tax-exempt income from the periodic increases in the cash surrender value of these policies and from death benefits. A portion of the cash surrender value is supported by holdings in separate accounts. Book value protection for the separate accounts is provided by the insurance carriers and a highly rated major bank.
Transfers of Financial Assets and Securitizations	Transfers of Financial Assets and Securitizations — Transfers of financial assets in which we have surrendered control over the transferred assets are accounted for as sales. In assessing whether control has been surrendered, Huntington considers whether the transferee would be a consolidated affiliate, the existence and extent of any continuing involvement in the transferred financial assets, and the impact of all arrangements or agreements made contemporaneously with, or in contemplation of, the transfer, even if they were not entered into at the time of transfer. Control is generally considered to have been surrendered when (i) the transferred assets have been legally isolated from Huntington or any of its consolidated affiliates, even in bankruptcy or other receivership, (ii) the transferee (or, if the transferee is an entity whose sole purpose is to engage in securitization or asset-backed financing that is constrained from pledging or exchanging the assets it receives, each third-party holder of its beneficial interests) has the right to pledge or exchange the assets (or beneficial interests) it received without any constraints that provide more than a trivial benefit to Huntington, and (iii) neither Huntington nor its consolidated affiliates and agents have (a) both the right and obligation under any agreement to repurchase or redeem the transferred assets before their maturity, (b) the unilateral ability to cause the holder to return specific financial assets that also provides Huntington with a more-than-trivial benefit (other than through a cleanup call) or (c) an agreement that permits the transferee to require Huntington to repurchase the transferred assets at a price so favorable that it is probable that it will require Huntington to repurchase them. If the sale criteria are met, the transferred financial assets are removed from the balance sheet and a gain or loss on sale is recognized. If the sale criteria are not met, the transfer is recorded as a secured borrowing in which the assets remain on the balance sheet and the proceeds from the transaction are recognized as a liability. For the majority of financial asset transfers, it is clear whether or not Huntington has surrendered control. For other transfers, such as in the case of complex transactions or where Huntington have continuing involvement, we generally obtain a legal opinion as to whether the transfer results in a true sale by law. Gains and losses on the loans and leases sold and servicing rights associated with loan and lease sales are determined when the related loans or leases are sold to either a securitization trust or third-party. For loan or lease sales with servicing retained, a servicing asset is recorded at fair value for the right to service the loans sold.
Pension and Other Postretirement Benefits	Pension and Other Postretirement Benefits — Huntington recognizes the funded status of the postretirement benefit plans on the Consolidated Balance Sheets. Net postretirement benefit cost charged to current earnings related to these plans is predominantly based on various actuarial assumptions regarding expected future experience. Certain employees are participants in various defined contribution and other non-qualified supplemental retirement plans. Contributions to defined contribution plans are charged to current earnings. In addition, Huntington maintains a 401(k) plan covering substantially all employees. Employer contributions to the plan are charged to current earnings.
Revenue Recognition	Revenue Recognition — 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 606. Other sources of revenue fall within the scope of ASC 606 and are generally recognized within noninterest income. Huntington recognizes revenue when the performance obligations related to the transfer of goods or services under the terms of a contract are satisfied. Some obligations are satisfied at a point in time while others are satisfied over a period of time. Revenue is recognized as the amount of consideration to which Huntington expects to be entitled to in exchange for transferring goods or services to a customer. When consideration includes a variable component, the amount of consideration attributable to variability is included in the transaction price only to the extent it is probable that significant revenue recognized will not be reversed when uncertainty associated with the variable consideration is subsequently resolved. Generally, the variability relating to the consideration is explicitly stated in the contracts, but may also arise from Huntington’s customer business practices, for example, waiving certain fees related to customer’s deposit accounts. Huntington’s contracts generally do not contain terms that require significant judgement to determine the variability impacting the transaction price.
Income Taxes	Income Taxes — Income taxes are accounted for under the asset and liability method. Accordingly, deferred tax assets and liabilities are recognized for the future book and tax consequences attributable to temporary differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax bases. Deferred tax assets and liabilities are determined using enacted tax rates expected to apply in the year in which those temporary differences are expected to be recovered or settled. The effect on deferred tax assets and liabilities of a change in tax rates is recognized in income at the time of enactment of such change in tax rates. Any interest or penalties due for payment of income taxes are included in the provision for income taxes. To the extent we do not consider it more likely than not that a deferred tax asset will be recovered, a valuation allowance is recorded. All positive and negative evidence is reviewed when determining how much of a valuation allowance is recognized on a quarterly basis. In determining the requirements for a valuation allowance, sources of possible taxable income are evaluated including future reversals of existing taxable temporary differences, future taxable income exclusive of reversing temporary differences and carryforwards, taxable income in appropriate carryback years, and tax-planning strategies. Huntington applies a more likely than not recognition threshold for all tax uncertainties.
Share-Based Compensation	Share-Based Compensation — Huntington uses the fair value based method of accounting for awards of HBAN stock granted to employees under various share-based compensation plans. Share-based compensation costs are recognized prospectively for all new awards granted under these plans. Compensation expense relating to stock options is calculated using a methodology that is based on the underlying assumptions of the Black-Scholes option pricing model and is charged to expense over the requisite service period (e.g., vesting period) taking into account retirement eligibility. Compensation expense relating to restricted stock awards is based upon the fair value of the awards on the date of grant and is charged to earnings over the requisite service period (e.g., vesting period) taking into account the retirement eligibility of the award.
Stock Repurchases	Stock Repurchases — Acquisitions of Huntington stock are recorded at cost.

INVESTMENT SECURITIES AND OTH_2

INVESTMENT SECURITIES AND OTHER SECURITIES (Tables)	12 Months Ended
	Dec. 31, 2023
Investments, Debt and Equity Securities [Abstract]
Unrealized Gain (Loss) on Investments	The following tables provide amortized cost, fair value, and gross unrealized gains and losses by investment category. Unrealized (dollar amounts in millions) Amortized Gross Gains Gross Losses Fair Value At December 31, 2023 Available-for-sale securities: U.S. Treasury $ 2,855 $ 1 $ — $ 2,856 Federal agencies: Residential CMO 3,592 — (408) 3,184 Residential MBS 13,155 3 (1,776) 11,382 Commercial MBS 2,536 — (709) 1,827 Other agencies 161 — (6) 155 Total U.S. Treasury, federal agency, and other agency securities 22,299 4 (2,899) 19,404 Municipal securities 3,536 2 (165) 3,373 Private-label CMO 131 — (12) 119 Asset-backed securities 387 — (31) 356 Corporate debt 2,202 79 (238) 2,043 Other securities/Sovereign debt 10 — — 10 Total available-for-sale securities $ 28,565 $ 85 $ (3,345) $ 25,305 Held-to-maturity securities: Federal agencies: Residential CMO $ 4,770 $ 6 $ (664) $ 4,112 Residential MBS 9,368 1 (1,145) 8,224 Commercial MBS 1,509 — (224) 1,285 Other agencies 101 — (6) 95 Total federal agency and other agency securities 15,748 7 (2,039) 13,716 Municipal securities 2 — — 2 Total held-to-maturity securities $ 15,750 $ 7 $ (2,039) $ 13,718 Other securities, at cost: Non-marketable equity securities: Federal Home Loan Bank stock $ 169 $ — $ — $ 169 Federal Reserve Bank stock 507 — — 507 Other non-marketable equity securities 17 — — 17 Other securities, at fair value Mutual funds 30 — — 30 Equity securities 1 1 — 2 Total other securities $ 724 $ 1 $ — $ 725 (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, 2023, accrued interest receivable on available-for-sale securities and held-to-maturity securities totaled $61 million and $36 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 $619 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 Cost (1)(2) 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 Other non-marketable 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 Classified by Contractual Maturity Date	The following table provides the amortized cost and fair value of securities by contractual maturity. Expected maturities may differ from contractual maturities as issuers may have the right to call or prepay obligations with or without incurring penalties. At December 31, 2023 2022 (dollar amounts in millions) Amortized Cost Fair Value Amortized Cost Fair Value Available-for-sale securities: Under 1 year $ 3,380 $ 3,372 $ 518 $ 511 After 1 year through 5 years 2,484 2,338 2,182 2,033 After 5 years through 10 years 2,392 2,255 3,106 2,814 After 10 years 20,309 17,340 21,297 18,065 Total available-for-sale securities $ 28,565 $ 25,305 $ 27,103 $ 23,423 Held-to-maturity securities: Under 1 year $ 1 $ 1 $ — $ — After 1 year through 5 years 48 46 72 68 After 5 years through 10 years 69 66 71 66 After 10 years 15,632 13,605 16,909 14,620 Total held-to-maturity securities $ 15,750 $ 13,718 $ 17,052 $ 14,754
Schedule of Unrealized Loss on Investments	The following tables provide detail on investment securities with unrealized losses aggregated by investment category and the length of time the individual securities have been in a continuous loss position. Less than 12 Months Over 12 Months Total (dollar amounts in millions) Fair Gross Unrealized Fair Gross Unrealized Fair Gross Unrealized At December 31, 2023 Available-for-sale securities: Federal agencies: Residential CMO $ 543 $ (7) $ 2,641 $ (401) $ 3,184 $ (408) Residential MBS 207 (2) 10,913 (1,774) 11,120 (1,776) Commercial MBS — — 1,827 (709) 1,827 (709) Other agencies — — 81 (6) 81 (6) Total federal agency and other agency securities 750 (9) 15,462 (2,890) 16,212 (2,899) Municipal securities 625 (19) 2,496 (146) 3,121 (165) Private-label CMO — — 99 (12) 99 (12) Asset-backed securities — — 281 (31) 281 (31) Corporate debt — — 2,043 (238) 2,043 (238) Total temporarily impaired available-for-sale securities $ 1,375 $ (28) $ 20,381 $ (3,317) $ 21,756 $ (3,345) Held-to-maturity securities: Federal agencies: Residential CMO $ 156 $ (1) $ 3,542 $ (663) $ 3,698 $ (664) Residential MBS — — 8,108 (1,145) 8,108 (1,145) Commercial MBS — — 1,285 (224) 1,285 (224) Other agencies — — 95 (6) 95 (6) Total federal agency and other agency securities 156 (1) 13,030 (2,038) 13,186 (2,039) Total temporarily impaired held-to-maturity securities $ 156 $ (1) $ 13,030 $ (2,038) $ 13,186 $ (2,039) 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)	12 Months Ended
	Dec. 31, 2023
Receivables [Abstract]
Schedule of financing receivable portfolio segments	The following table provides a detailed listing of Huntington’s loan and lease portfolio. At December 31, (dollar amounts in millions) 2023 2022 Commercial loan and lease portfolio: Commercial and industrial $ 50,657 $ 48,121 Commercial real estate 12,422 13,640 Lease financing 5,228 5,252 Total commercial loan and lease portfolio 68,307 67,013 Consumer loan portfolio: Residential mortgage 23,720 22,226 Automobile 12,482 13,154 Home equity 10,113 10,375 RV and marine 5,899 5,376 Other consumer 1,461 1,379 Total consumer loan portfolio 53,675 52,510 Total loans and leases (1)(2) 121,982 119,523 Allowance for loan and lease losses (2,255) (2,121) Net loans and leases $ 119,727 $ 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 $(323) million and $3 million at December 31, 2023 and 2022, respectively. (2) The total amount of accrued interest recorded for these loans and leases at December 31, 2023, was $333 million and $220 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 Condensed Consolidated Balance Sheet
Lease financing receivables	The following table presents net investments in lease financing receivables by category. At December 31, (dollar amounts in millions) 2023 2022 Lease payments receivable $ 4,980 $ 4,916 Estimated residual value of leased assets 804 788 Gross investment in lease financing receivables 5,784 5,704 Deferred origination costs 54 46 Deferred fees, unearned income and other (610) (498) Total lease financing receivables $ 5,228 $ 5,252
Nonaccrual loans by loan class	The following table presents NALs by class. At December 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 $ 66 $ 344 $ 49 $ 288 Commercial real estate 64 140 63 92 Lease financing 3 14 — 18 Residential mortgage — 72 — 90 Automobile — 4 — 4 Home Equity — 91 — 76 RV and marine — 2 — 1 Total nonaccrual loans and leases $ 133 $ 667 $ 112 $ 569
Aging analysis of loans and leases	The following tables present an aging analysis of loans and leases, by class. At December 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 $ 90 $ 48 $ 90 $ 228 $ 50,429 $ — $ 50,657 $ 1 (2) Commercial real estate 28 20 32 80 12,342 — 12,422 — Lease financing 35 15 9 59 5,169 — 5,228 4 Residential mortgage 205 88 193 486 23,060 174 23,720 146 (3) Automobile 89 23 12 124 12,358 — 12,482 9 Home equity 66 32 83 181 9,932 — 10,113 22 RV and marine 17 5 4 26 5,873 — 5,899 3 Other consumer 13 4 4 21 1,440 — 1,461 4 Total loans and leases $ 543 $ 235 $ 427 $ 1,205 $ 120,603 $ 174 $ 121,982 $ 189 At December 31, 2022 Past Due (1) Loans Accounted for Under FVO Total Loans 90 or (dollar amounts in millions) 30-59 Days 60-89 Days 90 or more days Total Current Commercial and industrial $ 53 $ 19 $ 108 $ 180 $ 47,941 $ — $ 48,121 $ 23 (2) Commercial real estate 2 1 9 12 13,628 — 13,640 — Lease financing 36 18 10 64 5,188 — 5,252 9 Residential mortgage 246 69 199 514 21,528 184 22,226 146 (3) 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 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 December 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 $ 14,677 $ 9,889 $ 3,673 $ 2,151 $ 1,187 $ 1,431 $ 14,563 $ 3 $ 47,574 OLEM 213 239 64 20 12 20 462 — 1,030 Substandard 393 305 188 150 83 184 750 — 2,053 Total Commercial and industrial $ 15,283 $ 10,433 $ 3,925 $ 2,321 $ 1,282 $ 1,635 $ 15,775 $ 3 $ 50,657 Commercial real estate Credit Quality Indicator (1): Pass $ 1,395 $ 3,253 $ 1,774 $ 1,063 $ 1,152 $ 1,288 $ 585 $ — $ 10,510 OLEM 163 406 112 65 32 54 60 — 892 Substandard 164 404 176 10 137 114 15 — 1,020 Total Commercial real estate $ 1,722 $ 4,063 $ 2,062 $ 1,138 $ 1,321 $ 1,456 $ 660 $ — $ 12,422 Lease financing Credit Quality Indicator (1): Pass $ 1,973 $ 1,284 $ 828 $ 583 $ 243 $ 106 $ — $ — $ 5,017 OLEM 16 22 6 5 2 9 — — 60 Substandard 20 66 31 16 13 5 — — 151 Total Lease financing $ 2,009 $ 1,372 $ 865 $ 604 $ 258 $ 120 $ — $ — $ 5,228 Residential mortgage Credit Quality Indicator (2): 750+ $ 2,077 $ 3,963 $ 6,028 $ 3,292 $ 749 $ 2,191 $ — $ — $ 18,300 650-749 950 1,024 964 510 186 775 — — 4,409 <650 24 79 82 64 85 503 — — 837 Total Residential mortgage $ 3,051 $ 5,066 $ 7,074 $ 3,866 $ 1,020 $ 3,469 $ — $ — $ 23,546 Automobile Credit Quality Indicator (2): 750+ $ 2,624 $ 1,964 $ 1,525 $ 740 $ 367 $ 85 $ — $ — $ 7,305 650-749 1,438 1,305 907 370 168 53 — — 4,241 <650 170 281 266 118 64 37 — — 936 Total Automobile $ 4,232 $ 3,550 $ 2,698 $ 1,228 $ 599 $ 175 $ — $ — $ 12,482 Home Equity Credit Quality Indicator (2): 750+ $ 381 $ 429 $ 512 $ 534 $ 17 $ 244 $ 4,454 $ 233 $ 6,804 650-749 136 100 65 57 7 101 2,083 230 2,779 <650 2 6 3 3 2 43 344 127 530 Total Home equity $ 519 $ 535 $ 580 $ 594 $ 26 $ 388 $ 6,881 $ 590 $ 10,113 RV and marine Credit Quality Indicator (2): 750+ $ 1,206 $ 971 $ 867 $ 588 $ 295 $ 612 $ — $ — $ 4,539 650-749 289 248 252 158 91 210 — — 1,248 <650 4 12 21 18 14 43 — — 112 Total RV and marine $ 1,499 $ 1,231 $ 1,140 $ 764 $ 400 $ 865 $ — $ — $ 5,899 Other consumer Credit Quality Indicator (2): 750+ $ 186 $ 80 $ 39 $ 19 $ 17 $ 48 $ 424 $ 3 $ 816 650-749 98 43 17 6 5 12 383 13 577 <650 4 5 3 1 1 1 39 14 68 Total Other consumer $ 288 $ 128 $ 59 $ 26 $ 23 $ 61 $ 846 $ 30 $ 1,461 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 $ 18,092 $ 6,742 $ 3,332 $ 2,107 $ 1,156 $ 1,186 $ 13,060 $ 3 $ 45,678 OLEM 108 139 72 21 49 26 113 — 528 Substandard 368 183 203 212 142 256 550 — 1,914 Doubtful — — — — — 1 — — 1 Total Commercial and industrial $ 18,568 $ 7,064 $ 3,607 $ 2,340 $ 1,347 $ 1,469 $ 13,723 $ 3 $ 48,121 Commercial real estate Credit Quality Indicator (1): Pass $ 4,022 $ 3,115 $ 1,562 $ 1,662 $ 829 $ 1,020 $ 519 $ — $ 12,729 OLEM 61 53 1 43 6 9 — — 173 Substandard 231 116 92 74 84 140 1 — 738 Total Commercial real estate $ 4,314 $ 3,284 $ 1,655 $ 1,779 $ 919 $ 1,169 $ 520 $ — $ 13,640 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.
Detailed troubled debt restructuring information by class	The following tables present the gross charge-offs of loans and leases by vintage. Year Ended December 31, 2023 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 Commercial and industrial $ 9 $ 47 $ 48 $ 14 $ 33 $ 13 $ 11 $ 2 $ 177 Commercial real estate 8 9 31 — 26 4 7 — 85 Lease Financing — 4 2 1 1 — — — 8 Residential mortgage — — 1 — — 4 — — 5 Automobile 3 16 16 7 5 3 — — 50 Home equity — — — — — 1 2 6 9 RV and marine — 2 4 3 3 7 — — 19 Other consumer 14 23 13 5 5 12 — 29 101 Total $ 34 $ 101 $ 115 $ 30 $ 73 $ 44 $ 20 $ 37 $ 454 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. Year Ended December 31, 2023 Amortized Cost (dollar amounts in millions) Interest rate reduction Term extension Payment deferral Combo - interest rate reduction and term extension Total % of total loan class (1) Commercial and industrial $ 64 $ 387 $ — $ 4 $ 455 0.90 % Commercial real estate 2 151 — 4 157 1.26 Residential mortgage — 58 2 4 64 0.27 Automobile — 14 — 1 15 0.12 Home equity — 2 — 10 12 0.12 RV and marine — 1 — — 1 0.02 Other consumer 1 — — — 1 0.07 Total loans to borrowers experiencing financial difficulty in which modifications were made $ 67 $ 613 $ 2 $ 23 $ 705 0.58 % (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. Year Ended December 31, 2023 Interest Rate Reduction (1) Term Extension (1) Weighted-average contractual interest rate Weighted-average years added to the life From To Commercial and industrial 8.62 % 8.05 % 1.0 Commercial real estate 13.42 8.75 1.0 Residential mortgage 6.32 4.64 7.7 Automobile 6.60 6.26 1.9 Home equity 8.88 6.15 14.6 (1) Certain disclosures related to financial effects of modifications do not include deemed to be immaterial. At December 31, 2023 Past Due (dollar amounts in millions) 30-59 60-89 90 or Total Current Total Commercial and industrial $ 21 $ 25 $ 7 $ 53 $ 402 $ 455 Commercial real estate — — 5 5 152 157 Residential mortgage 9 8 11 28 36 64 Automobile 2 1 — 3 12 15 Home equity 1 1 1 3 9 12 RV and marine — — — — 1 1 Other consumer — — — — 1 1 Total loans to borrowers experiencing financial difficulty in which modifications were made in the twelve months ended December 31, 2023 $ 33 $ 35 $ 24 $ 92 $ 613 $ 705 The following table presents, by class and modification type, the number of contracts, post-modification outstanding balance, and the financial effects of the modification. At December 31, 2022 New Troubled Debt Restructurings (1) Number of Post-modification Outstanding Recorded Investment (2) (dollar amounts in millions) Interest rate concession Amortization or maturity date concession Chapter 7 bankruptcy Other Total Commercial and industrial 313 $ 92 $ 62 $ — $ 15 $ 169 Commercial real estate 26 62 27 — — 89 Residential mortgage 806 — 109 5 — 114 Automobile 2,368 — 17 3 — 20 Home equity 228 — 8 4 — 12 RV and marine 137 — 2 1 — 3 Other consumer 127 — — — 1 1 Total new TDRs 4,005 $ 154 $ 225 $ 13 $ 16 $ 408 (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)	12 Months Ended
	Dec. 31, 2023
Credit Loss [Abstract]
Allowance Roll-forward	The following table presents ACL activity by portfolio segment. (dollar amounts in millions) Commercial Consumer Total Year Ended December 31, 2023: ALLL balance, beginning of period $ 1,424 $ 697 $ 2,121 Loan and lease charge-offs (270) (184) (454) Recoveries of loans and leases previously charged-off 112 69 181 Provision for loan and lease losses 297 110 407 ALLL balance, end of period $ 1,563 $ 692 $ 2,255 AULC balance, beginning of period $ 71 $ 79 $ 150 Benefit for unfunded lending commitments (5) — (5) AULC balance, end of period $ 66 $ 79 $ 145 ACL balance, end of period $ 1,629 $ 771 $ 2,400 Year Ended December 31, 2022: ALLL balance, beginning of period $ 1,462 $ 568 $ 2,030 Loan and lease charge-offs (129) (184) (313) Recoveries of loans and leases previously charged-off 114 78 192 Provision (benefit) for loan and lease losses (23) 235 212 ALLL balance, end of period $ 1,424 $ 697 $ 2,121 AULC balance, beginning of period $ 41 $ 36 $ 77 Provision for unfunded lending commitments 30 43 73 AULC balance, end of period $ 71 $ 79 $ 150 ACL balance, end of period $ 1,495 $ 776 $ 2,271 Year Ended December 31, 2021: ALLL balance, beginning of period $ 1,236 $ 578 $ 1,814 Loan and lease charge-offs (243) (139) (382) Recoveries of loans and leases previously charged-off 83 84 167 Provision (benefit) for loan and lease losses 12 (13) (1) Allowance on PCD loans and leases at acquisition 374 58 432 ALLL balance, end of period $ 1,462 $ 568 $ 2,030 AULC balance, beginning of period $ 34 $ 18 $ 52 Provision for unfunded lending commitments 8 18 26 Unfunded lending commitment losses (1) — (1) AULC balance, end of period $ 41 $ 36 $ 77 ACL balance, end of period $ 1,503 $ 604 $ 2,107

MORTGAGE LOAN SALES AND SERVI_2

MORTGAGE LOAN SALES AND SERVICING RIGHTS (Tables)	12 Months Ended
	Dec. 31, 2023
Transfers and Servicing [Abstract]
Schedule of activity relating to loans securitized sold with servicing rights	The following table summarizes activity relating to residential mortgage loans sold with servicing retained. Year Ended December 31, (dollar amounts in millions) 2023 2022 2021 Residential mortgage loans sold with servicing retained $ 4,109 $ 5,686 $ 9,702 Pretax gains resulting from above loan sales (1) 58 137 356 (1) Recorded in mortgage banking income.
Schedule of Servicing Assets at Fair Value	The following table summarizes the changes in MSRs recorded using the fair value method: Year Ended December 31, (dollar amounts in millions) 2023 2022 Fair value, beginning of period $ 494 $ 351 New servicing assets created 63 85 Servicing assets sold (1) — Change in fair value during the period due to: Time decay (1) (24) (22) Payoffs (2) (24) (34) Changes in valuation inputs or assumptions (3) 7 114 Fair value, end of period $ 515 $ 494 (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 analysis of servicing rights	The following table summarizes the key assumptions and the sensitivity of the MSR value to changes in these assumptions. At December 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) 8.61 % $ (15) $ (28) 7.05 % $ (13) $ (25) Spread over forward interest rate swap rates 538 bps (11) (22) 578 bps (12) (22)

GOODWILL AND OTHER INTANGIBLE_2

GOODWILL AND OTHER INTANGIBLE ASSETS (Tables)	12 Months Ended
	Dec. 31, 2023
Goodwill and Intangible Assets Disclosure [Abstract]
Goodwill by business segment	A rollforward of goodwill by business segment for which goodwill is allocated is presented in the table below. No goodwill impairment was recorded in 2023 or 2022. Consumer & Commercial Huntington (dollar amounts in millions) Regional Banking Banking Consolidated Balance, January 1, 2022 $ 3,650 $ 1,699 $ 5,349 Acquisitions — 222 222 Balance, December 31, 2022 3,650 1,921 5,571 RPS sale (10) — (10) Balance, December 31, 2023 $ 3,640 $ 1,921 $ 5,561
Summary of other intangible assets	Huntington’s other intangible assets consisted of the following: (dollar amounts in millions) Gross Accumulated Net At December 31, 2023 Core deposit intangible $ 385 $ (259) $ 126 Customer relationship 92 (75) 17 Total other intangible assets $ 477 $ (334) $ 143 At December 31, 2022 Core deposit intangible $ 385 $ (216) $ 169 Customer relationship 107 (81) 26 Total other intangible assets $ 492 $ (297) $ 195
Estimated amortization expense of other intangible assets	The estimated amortization expense of other intangible assets for the next five years is as follows: (dollar amounts in millions) Amortization Expense 2024 $ 47 2025 43 2026 29 2027 9 2028 6

PREMISES AND EQUIPMENT (Tables)

PREMISES AND EQUIPMENT (Tables)	12 Months Ended
	Dec. 31, 2023
Property, Plant and Equipment [Abstract]
Schedule of property, plant and equipment	Premises and equipment were comprised of the following: At December 31, (dollar amounts in millions) 2023 2022 Land and land improvements $ 343 $ 337 Buildings 789 776 Leasehold improvements 262 269 Equipment 899 896 Total premises and equipment 2,293 2,278 Less accumulated depreciation and amortization (1,184) (1,122) Net premises and equipment $ 1,109 $ 1,156
Depreciation and amortization charged to expense and rental income credited to net occupancy expense	Depreciation and amortization charged to expense was as follows: Year Ended December 31, (dollar amounts in millions) 2023 2022 2021 Total depreciation and amortization of premises and equipment $ 167 $ 182 $ 178

OPERATING LEASES (Tables)

OPERATING LEASES (Tables)	12 Months Ended
	Dec. 31, 2023
Leases [Abstract]
Schedule of Assets And Liabilities, Lessee	Net lease assets and liabilities are as follows: At December 31, (dollar amounts in millions) Classification 2023 2022 Assets Operating lease assets Other assets $ 265 $ 279 Liabilities Lease liabilities Other liabilities $ 379 $ 401
Schedule of Lease Cost	Net lease cost are as follows: Year Ended December 31, (dollar amounts in millions) Classification 2023 2022 Operating lease cost Net occupancy $ 68 $ 81 Short-term lease cost Net occupancy 1 2 Net lease cost $ 69 $ 83 Additional supplemental information related to the Company’s operating leases is as follows: (dollar amounts in millions) 2023 2022 Year ended December 31: Cash paid for amounts included in the measurement of lease liabilities for operating cash flows $ (77) $ (80) Right-of-use assets obtained in exchange for lease obligations for operating leases 37 22 At December 31: Weighted-average remaining lease term (years) for operating leases 11.30 11.48 Weighted-average discount rate for operating leases 4.93 % 4.64 %
Schedule of Operating Lease Liability Maturities, Lessee	Maturity of lease liabilities at December 31, 2023 are as follows: (dollar amounts in millions) Total 2024 $ 66 2025 66 2026 51 2027 43 2028 36 Thereafter 251 Total lease payments 513 Less: Interest (134) Total lease liabilities $ 379

BORROWINGS (Tables)

BORROWINGS (Tables)	12 Months Ended
	Dec. 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 December 31, (dollar amounts in millions) 2023 2022 Federal funds purchased and securities sold under agreements to repurchase $ 618 $ 253 FHLB advances — 1,700 Other borrowings 2 74 Total short-term borrowings $ 620 $ 2,027
Schedule of Long-Term Debt	Huntington’s long-term debt consisted of the following: At December 31, (dollar amounts in millions) 2023 2022 The Parent Company: Senior Notes: 2.67% Huntington Bancshares Incorporated senior notes due 2024 $ 719 $ 762 4.05% Huntington Bancshares Incorporated senior notes due 2025 457 481 4.51% Huntington Bancshares Incorporated senior notes due 2028 716 704 6.29% Huntington Bancshares Incorporated senior notes due 2029 1,266 — 2.60% Huntington Bancshares Incorporated senior notes due 2030 692 679 5.08% Huntington Bancshares Incorporated senior notes due 2033 383 379 Subordinated Notes: 3.55% Huntington Bancshares Incorporated subordinated notes due 2023 — 225 Huntington Capital I Trust Preferred 6.34% junior subordinated debentures due 2027 (1) (7) 69 69 Huntington Capital II Trust Preferred 6.27% junior subordinated debentures due 2028 (2) (7) 32 32 Sky Financial Capital Trust III 7.04% junior subordinated debentures due 2036 (3) (7) 72 72 Sky Financial Capital Trust IV 7.04% junior subordinated debentures due 2036 (3) (7) 74 74 2.49% Huntington Bancshares Incorporated subordinated notes due 2036 1 1 2.53% Huntington Bancshares Incorporated subordinated notes due 2036 512 502 Total notes issued by the parent 4,993 3,980 The Bank: Senior Notes: 3.60% Huntington National Bank senior notes due 2023 — 735 6.66% Huntington National Bank senior notes due 2025 278 299 4.11% Huntington National Bank senior notes due 2025 467 486 5.81% Huntington National Bank senior notes due 2025 1,060 1,094 4.55% Huntington National Bank senior notes due 2028 776 766 5.76% Huntington National Bank senior notes due 2030 899 892 Subordinated Notes: 0.96% Huntington National Bank subordinated notes due 2025 129 129 3.86% Huntington National Bank subordinated notes due 2026 223 218 3.03% Huntington National Bank subordinated notes due 2029 156 153 3.75% Huntington National Bank subordinated notes due 2030 154 151 Total notes issued by the bank 4,142 4,923 FHLB Advances: 4.21% weighted average rate, varying maturities greater than one year 2,731 211 Other: Huntington Technology Finance nonrecourse debt, 5.38% weighted average interest rate, varying maturities 343 337 6.65% Huntington Preferred Capital II - Class G securities — 50 7.64% Huntington Preferred Capital II - Class I securities (4) 50 50 8.24% Huntington Preferred Capital II - Class J securities (5) 75 75 8.74% Huntington Preferred Capital II - Class L securities (6) 60 60 Total long-term debt $ 12,394 $ 9,686 (1) Variable effective rate at December 31, 2023, based on three-month SOFR +0.96%. (2) Variable effective rate at December 31, 2023, based on three-month SOFR +0.866%. (3) Variable effective rate at December 31, 2023, based on three-month SOFR +1.66%. (4) Variable effective rate at December 31, 2023, based on three-month SOFR +2.00%. (5) Variable effective rate at December 31, 2023, based on three-month SOFR +2.60%. (6) Variable effective rate at December 31, 2023, based on three-month SOFR +3.10%. (7) Represents the outstanding amount of debentures issued to each trust and related trust-preferred securities. Refer to Note 21 - “ Variable Interest Entities
Schedule of Maturities of Long-term Debt	Long-term debt maturities, based upon the par values of the long-term debt, for the next five years and thereafter are as follows: (dollar amounts in millions) 2024 2025 2026 2027 2028 Thereafter Total The Parent Company: Senior notes $ 734 $ 468 $ — $ — $ 750 $ 2,400 $ 4,352 Subordinated notes — — — 70 32 707 809 The Bank: Senior notes — 1,817 — — 800 900 3,517 Subordinated notes — 130 239 — — 300 669 FHLB Advances — 200 1,500 500 500 1 2,701 Other 70 75 151 125 106 1 528 Total $ 804 $ 2,690 $ 1,890 $ 695 $ 2,188 $ 4,309 $ 12,576

OTHER COMPREHENSIVE INCOME (Tab

OTHER COMPREHENSIVE INCOME (Tables)	12 Months Ended
	Dec. 31, 2023
Equity [Abstract]
Components of Accumulated Other Comprehensive Income	The components of Huntington’s OCI were as follows: (dollar amounts in millions) Pretax Tax (expense) benefit After-tax Year Ended December 31, 2023 Unrealized losses on available-for-sale securities arising during the period, net of hedges $ 154 $ (36) $ 118 Reclassification adjustment for realized net losses included in net income 47 (11) 36 Total unrealized gains (losses) on available-for-sale securities, net of hedges 201 (47) 154 Unrealized gains (losses) on cash flow hedges during the period 162 (37) 125 Reclassification adjustment for cash flow hedges included in net income 187 (43) 144 Net change related to cash flow hedges on loans 349 (80) 269 Translation adjustments, net of hedges (1) 2 — 2 Change in accumulated unrealized gains for pension and other post-retirement obligations (4) 1 (3) Other comprehensive income (loss) $ 548 $ (126) $ 422 Year Ended December 31, 2022 Unrealized losses on available-for-sale securities arising during the period, net of hedges $ (2,934) $ 673 $ (2,261) Reclassification adjustment for realized net losses included in net income 100 (23) 77 Total unrealized gains (losses) on available-for-sale securities, net of hedges (2,834) 650 (2,184) Unrealized gains (losses) on cash flow hedges during the period (896) 201 (695) Reclassification adjustment for cash flow hedges included in net income — — — Net change related to cash flow hedges on loans (896) 201 (695) Translation adjustments, net of hedges (1) (5) — (5) Change in accumulated unrealized gains for pension and other post-retirement obligations 19 (4) 15 Other comprehensive income (loss) $ (3,716) $ 847 $ (2,869) Year Ended December 31, 2021 Unrealized losses on available-for-sale securities arising during the period, net of hedges $ (361) $ 81 $ (280) Reclassification adjustment for realized net losses included in net income 34 (8) 26 Total unrealized gains (losses) on available-for-sale securities, net of hedges (327) 73 (254) Unrealized gains (losses) on cash flow hedges during the period (257) 65 (192) Reclassification adjustment for cash flow hedges included in net income — — — Net change related to cash flow hedges on loans (257) 65 (192) Translation adjustments, net of hedges (1) (3) — (3) Change in accumulated unrealized gains for pension and other post-retirement obligations 36 (8) 28 Other comprehensive income (loss) $ (551) $ 130 $ (421) (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	Activity in accumulated OCI were as follows: (dollar amounts in millions) Unrealized (losses) gains on available-for-sale securities, net of hedges (1) Net change related to cash flow hedges on loans Translation adjustments, net of hedges Unrealized Total December 31, 2020 $ 190 $ 255 $ — $ (253) $ 192 Other comprehensive income (loss) before reclassifications (280) (192) (3) — (475) Amounts reclassified from accumulated OCI to earnings 26 — — 28 54 Period change (254) (192) (3) 28 (421) December 31, 2021 (64) 63 (3) (225) (229) Other comprehensive income (loss) before reclassifications (2,261) (695) (5) — (2,961) Amounts reclassified from accumulated OCI to earnings 77 — — 15 92 Period change (2,184) (695) (5) 15 (2,869) December 31, 2022 (2,248) (632) (8) (210) (3,098) Other comprehensive income before reclassifications 118 125 2 — 245 Amounts reclassified from accumulated OCI to earnings 36 144 — (3) 177 Period change 154 269 2 (3) 422 December 31, 2023 $ (2,094) $ (363) $ (6) $ (213) $ (2,676) (1) AOCI amounts at December 31, 2023, 2022, and 2021 include $58 million, $66 million, and $27 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)	12 Months Ended
	Dec. 31, 2023
Equity [Abstract]
Schedule of Stock by Class	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 Optional Redemption Date (1) December 31, 2023 December 31, 2022 Series B (2) 12/28/2011 35,500 Variable (3) 1/15/2017 $ 23 $ 23 Series E (4) 2/27/2018 4,087 Variable (5) 4/15/2023 405 495 Series F (4) 5/27/2020 5,000 5.625 % 7/15/2030 494 494 Series G (4) 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 (6) 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 881,587 $ 2,394 $ 2,167 (1) Redeemable at Huntington’s option on the date stated or on a quarterly basis thereafter. (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 B dividend rate converted to 3-month CME Term SOFR + 26 bps LIBOR spread adjustment + 270 bps effective July 15, 2023. Prior to July 15, 2023, the dividend rate was 3-month LIBOR + 270 bps. (4) Series E, F, and G, preferred stock have a liquidation value and redemption price per share of $100,000, plus any declared and unpaid dividends. (5) Series E dividend rate converted to 3-month CME Term SOFR + 26 bps LIBOR spread adjustment + 288 bps effective July 15, 2023. Prior to July 15, 2023, the dividend rate was 3-month LIBOR + 288 bps. (6)
Dividends Declared	The following table presents the dividends declared for each series of Preferred shares. Year Ended December 31, 2023 2022 2021 (amounts in millions, except per share data) Cash Dividend Declared Per Share Cash Dividend Declared Per Share Cash Dividend Declared Per Share Preferred Series Amount ($) Amount ($) Amount ($) Series B $ 80.28 $ (3) $ 46.68 $ (2) $ 28.69 $ (1) Series C — — — — 44.07 (4) Series D — — — — 31.25 (18) Series E 7,753.75 (37) 5,700.00 (29) 5,700.00 (29) Series F 5,625.00 (28) 5,625.00 (28) 5,625.00 (28) Series G 4,450.00 (22) 4,450.00 (22) 4,450.00 (23) Series H 45.00 (23) 45.00 (22) 42.00 (21) Series I 1,425.00 (10) 1,425.00 (10) 1,068.75 (7) Series J 59.02 (19) — — — — Total $ (142) $ (113) $ (131)

EARNINGS PER SHARE (Tables)

EARNINGS PER SHARE (Tables)	12 Months Ended
	Dec. 31, 2023
Earnings Per Share [Abstract]
Basic and diluted earnings loss per share	The calculation of basic and diluted earnings per share is as follows: Year Ended December 31, (dollar amounts in millions, except per share data, share count in thousands) 2023 2022 2021 Basic earnings per common share: Net income attributable to Huntington $ 1,951 $ 2,238 $ 1,295 Preferred stock dividends 142 113 131 Impact of preferred stock repurchases and redemptions (8) — 11 Net income available to common shareholders $ 1,817 $ 2,125 $ 1,153 Average common shares issued and outstanding 1,446,449 1,441,279 1,262,435 Basic earnings per common share $ 1.26 $ 1.47 $ 0.91 Diluted earnings per common share: Average dilutive potential common shares: Stock options and restricted stock units and awards 14,456 17,534 18,185 Shares held in deferred compensation plans 7,111 6,407 6,113 Average dilutive potential common shares 21,567 23,941 24,298 Total diluted average common shares issued and outstanding 1,468,016 1,465,220 1,286,733 Diluted earnings per common share $ 1.24 $ 1.45 $ 0.90 Anti-dilutive awards (1) 11,039 5,303 2,674 (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.

REVENUE FROM CONTRACTS WITH C_2

REVENUE FROM CONTRACTS WITH CUSTOMERS (Tables)	12 Months Ended
	Dec. 31, 2023
Revenue from Contract with Customer [Abstract]
Schedule of Non-interest Income	The following table shows Huntington’s total noninterest income segregated between revenue with contracts with customers within the scope of ASC 606 and revenue within the scope of other GAAP Topics. Year Ended December 31, (dollar amounts in millions) 2023 2022 2021 Noninterest income Revenue from contracts with customers $ 1,400 $ 1,318 $ 1,113 Revenue within the scope of other GAAP topics 521 663 776 Total noninterest income $ 1,921 $ 1,981 $ 1,889 The following table illustrates the disaggregation by operating segment and major revenue stream and reconciles disaggregated revenue to segment revenue presented in Note 25 - “ Segment Reporting ”: (dollar amounts in millions) Consumer & Business Banking Commercial Banking Treasury / Other Huntington Consolidated Year Ended December 31, 2023 Major Revenue Streams Payments and cash management revenue $ 433 $ 103 $ — $ 536 Wealth and asset management revenue 313 15 — 328 Customer deposit and loan fees 203 8 — 211 Capital markets and advisory fees 16 118 (2) 132 Leasing revenue 2 49 — 51 Insurance income 64 11 (1) 74 Other 67 3 (2) 68 Net revenue from contracts with customers $ 1,098 $ 307 $ (5) $ 1,400 Noninterest income within the scope of other GAAP topics 159 339 23 521 Total noninterest income $ 1,257 $ 646 $ 18 $ 1,921 Year Ended December 31, 2022 Major Revenue Streams Payments and cash management revenue $ 405 $ 108 $ — $ 513 Wealth and asset management revenue 294 6 — 300 Customer deposit and loan fees 226 5 — 231 Capital markets and advisory fees 15 98 (3) 110 Leasing revenue 1 66 — 67 Insurance income 71 9 (1) 79 Other 8 12 (2) 18 Net revenue from contracts with customers $ 1,020 $ 304 $ (6) $ 1,318 Noninterest income within the scope of other GAAP topics 252 363 48 663 Total noninterest income $ 1,272 $ 667 $ 42 $ 1,981 Year Ended December 31, 2021 Major Revenue Streams Payments and cash management revenue $ 360 $ 104 $ — $ 464 Wealth and asset management revenue 266 3 — 269 Customer deposit and loan fees 226 1 — 227 Capital markets and advisory fees 10 19 — 29 Leasing revenue 2 21 — 23 Insurance income 75 6 1 82 Other 6 2 11 19 Net revenue from contracts with customers $ 945 $ 156 $ 12 $ 1,113 Noninterest income within the scope of other GAAP topics 344 363 69 776 Total noninterest income $ 1,289 $ 519 $ 81 $ 1,889

SHARE-BASED COMPENSATION (Table

SHARE-BASED COMPENSATION (Tables)	12 Months Ended
	Dec. 31, 2023
Share-Based Payment Arrangement [Abstract]
Share based compensation expense and related tax benefit	The following table presents total share-based compensation expense and related tax benefit. Year Ended December 31, (dollar amounts in millions) 2023 2022 2021 Share-based compensation expense (1) $ 114 $ 119 $ 138 Tax benefit 19 20 22 (1) Compensation costs are included in personnel costs on the Consolidated Statements of Income.
Stock option activity and related information	Huntington’s stock option activity and related information was as follows: (dollar amounts in millions, except per share and options amounts in thousands) Options Weighted- Weighted-Average Contractual Life (Years) Aggregate Outstanding at January 1, 2023 13,458 $ 12.50 Exercised (425) 9.93 Forfeited/expired (111) 12.74 Outstanding at December 31, 2023 12,922 $ 12.58 5.0 $ 17 Expected to vest 1,909 $ 12.26 6.8 $ 4 Exercisable at December 31, 2023 11,001 $ 12.63 4.7 $ 13
Schedule of restricted stock, restricted stock units, and performance shares	The following table summarizes the status of Huntington’s restricted stock awards, restricted stock units, and performance share units as of December 31, 2023, and activity for the year ended December 31, 2023: Restricted Stock Awards Restricted Stock Units Performance Share Units (amounts in thousands, except per share amounts) Quantity Weighted- Average Grant Date Fair Value Per Share Quantity Weighted- Average Grant Date Fair Value Per Share Quantity Weighted- Average Grant Date Fair Value Per Share Nonvested at January 1, 2023 124 $ 14.37 24,221 $ 12.70 3,469 $ 12.40 Granted — — 7,981 13.94 2,521 15.30 Vested (115) 14.03 (6,316) 11.74 (2,682) 8.64 Forfeited — — (1,217) 13.08 (88) 15.02 Nonvested at December 31, 2023 9 $ 14.16 24,669 $ 13.15 3,220 $ 15.19

BENEFIT PLANS (Tables)

BENEFIT PLANS (Tables)	12 Months Ended
	Dec. 31, 2023
Retirement Benefits [Abstract]
Schedule of weighted-average assumptions used	The following table shows the weighted-average assumptions used to determine the benefit obligation and the net periodic benefit cost: At December 31, 2023 2022 Weighted-average assumptions used to determine benefit obligations Discount rate 5.15 % 5.41 % Weighted-average assumptions used to determine net periodic benefit cost Discount rate 5.41 2.86 Expected return on plan assets 5.00 4.50
Schedule of changes in projected benefit obligation	The following table reconciles the beginning and ending balances of the benefit obligation of the Plan with the amounts recognized in the consolidated balance sheets: At December 31, (dollar amounts in millions) 2023 2022 Projected benefit obligation at beginning of measurement year $ 692 $ 956 Changes due to: Service cost 3 3 Interest cost 36 22 Benefits paid (33) (32) Settlements (16) (29) Actuarial gains 5 (228) Total changes (5) (264) Projected benefit obligation at end of measurement year $ 687 $ 692
Schedule of changes in fair value of plan assets	The following table reconciles the beginning and ending balances of the fair value of Plan assets: At December 31, (dollar amounts in millions) 2023 2022 Fair value of plan assets at beginning of measurement year $ 740 $ 1,007 Changes due to: Actual return on plan assets 39 (197) Settlements (17) (38) Benefits paid (33) (32) Total changes (11) (267) Fair value of plan assets at end of measurement year $ 729 $ 740
Schedule of net periodic benefit costs	The following table shows the components of net periodic benefit costs recognized: Year Ended December 31, (1) (dollar amounts in millions) 2023 2022 2021 Service cost $ 3 $ 3 $ 3 Interest cost 36 22 19 Expected return on plan assets (43) (41) (40) Amortization of loss 1 9 12 Settlements 7 15 8 Benefit costs $ 4 $ 8 $ 2 (1) The pension costs are recognized in other noninterest income in the Consolidated Statements of Income .
Schedule of allocation of plan assets	The Plan assets consisted of investments in a variety of cash equivalent, corporate and government fixed income, and equity investments as follows: Fair Value at December 31, (dollar amounts in millions) 2023 2022 Cash equivalents: Mutual funds-money market $ 17 2 % $ 23 3 % Fixed income: Corporate obligations 234 32 414 57 U.S. Government obligations 70 10 154 21 Municipal obligations 1 — 3 — Collective trust funds 297 42 62 8 Equities: Limited liability companies 10 1 9 1 Collective trust funds 76 10 27 4 Limited partnerships 24 3 48 6 Fair value of plan assets $ 729 100 % $ 740 100 %
Schedule of expected benefit payments	At December 31, 2023, the following table shows when benefit payments are expected to be paid: (dollar amounts in millions) Pension Benefits 2024 $ 51 2025 52 2026 53 2027 53 2028 53 2029 through 2033 253
Schedule of Huntington stock statistics for defined contribution plan	The following table shows the number of shares, market value, and dividends received on shares of Huntington stock held by the defined contribution plan: At December 31, (dollar amounts in millions, share amounts in thousands) 2023 2022 Shares in Huntington common stock 11,899 9,451 Market value of Huntington common stock $ 151 $ 133 Dividends received on shares of Huntington stock 7 6

INCOME TAXES (Tables)

INCOME TAXES (Tables)	12 Months Ended
	Dec. 31, 2023
Income Tax Disclosure [Abstract]
Summary of provision (benefit) for income taxes	The following is a summary of the provision for income taxes: Year Ended December 31, (dollar amounts in millions) 2023 2022 2021 Current tax provision (benefit) Federal $ 644 $ 129 $ 356 State 63 62 13 Foreign 8 5 1 Total current tax provision 715 196 370 Deferred tax provision (benefit) Federal (291) 319 (104) State (11) — 28 Total deferred tax provision (benefit) (302) 319 (76) Provision for income taxes $ 413 $ 515 $ 294
Reconcilement of provision (benefit) for income taxes	The following is a reconciliation for provision for income taxes: Year Ended December 31, (dollar amounts in millions) 2023 2022 2021 Provision for income taxes computed at the statutory rate $ 501 $ 580 $ 334 Increases (decreases): General business credits (253) (164) (126) Tax-exempt income (28) (21) (18) Capital loss — (60) (32) Affordable housing investment amortization, net of tax benefits 148 129 102 State income taxes, net 41 49 32 Other 4 2 2 Provision for income taxes $ 413 $ 515 $ 294
Significant components of deferred tax assets and liabilities	The significant components of deferred tax assets and liabilities were as follows: At December 31, (dollar amounts in millions) 2023 2022 Deferred tax assets: Fair value adjustments $ 791 $ 917 Allowances for credit losses 564 526 Tax credit carryforward 240 59 Net operating and other loss carryforward 101 136 Research and development expenses 91 — Lease liability 89 96 Purchase accounting and other intangibles 82 167 Pension and other employee benefits 70 68 Accrued expense/prepaid 61 8 Other assets 4 5 Total deferred tax assets 2,093 1,982 Deferred tax liabilities: Lease financing 873 955 Loan origination costs 155 97 Mortgage servicing rights 124 112 Operating assets 96 133 Right-of-use asset 62 67 Securities adjustments 40 42 Other liabilities 3 10 Total deferred tax liabilities 1,353 1,416 Net deferred tax asset (liability) before valuation allowance 740 566 Valuation allowance (30) (32) Net deferred tax asset $ 710 $ 534
Reconciliation of gross unrecognized tax benefits	The following table provides a reconciliation of the beginning and ending amounts of gross unrecognized tax benefits: Year Ended December 31, (dollar amounts in millions) 2023 2022 Unrecognized tax benefits at beginning of year $ 94 $ 93 Gross increases for tax positions taken during prior years 8 1 Settlements with taxing authorities (94) — Unrecognized tax benefits at end of year $ 8 $ 94

FAIR VALUES OF ASSETS AND LIA_2

FAIR VALUES OF ASSETS AND LIABILITIES (Tables)	12 Months Ended
	Dec. 31, 2023
Fair Value Disclosures [Abstract]
Assets and liabilities measured at fair value on a recurring basis	Fair Value Measurements at Reporting Date Using Netting Adjustments (1) At December 31, 2023 (dollar amounts in millions) Level 1 Level 2 Level 3 Assets Trading account securities: U.S. Treasury securities $ 91 $ — $ — $ — $ 91 Other agencies — 2 — — 2 Municipal securities — 32 — — 32 Total trading account securities 91 34 — — 125 Available-for-sale securities: U.S. Treasury securities 2,856 — — — 2,856 Residential CMO — 3,184 — — 3,184 Residential MBS — 11,382 — — 11,382 Commercial MBS — 1,827 — — 1,827 Other agencies — 155 — — 155 Municipal securities — 38 3,335 — 3,373 Private-label CMO — 99 20 — 119 Asset-backed securities — 281 75 — 356 Corporate debt — 2,043 — — 2,043 Other securities/sovereign debt — 10 — — 10 Total available-for-sale securities 2,856 19,019 3,430 — 25,305 Other securities 30 2 — — 32 Loans held for sale — 506 — — 506 Loans held for investment — 120 54 — 174 MSRs — — 515 — 515 Other assets: Derivative assets — 1,720 3 (1,330) 393 Assets held in trust for deferred compensation plans 177 — — — 177 Liabilities Derivative liabilities $ — $ 1,416 $ 5 $ (751) $ 670 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.
Roll forward of derivatives 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 Municipal Private- Asset- Year Ended December 31, 2023 Opening balance $ 494 $ (2) $ 3,248 $ 20 $ 74 $ 16 Transfers into Level 3 — — — — — 41 Transfers out of Level 3 (1) — (23) — — — — Total gains/losses for the period: Included in earnings: Mortgage banking income 7 25 — — — — Interest and fee income — — (2) (1) — (3) Noninterest income — (2) — — — — Included in OCI — — 73 — 1 — Purchases/originations 63 — 928 1 — — Sales (1) — — — — — Settlements (48) — (912) — — — Closing balance $ 515 $ (2) $ 3,335 $ 20 $ 75 $ 54 Change in unrealized gains or losses for the period included in earnings for assets held at end of the reporting date $ 7 $ (3) $ — $ — $ — $ — Change in unrealized gains or losses for the period included in other comprehensive income for assets held at the end of the reporting period — — 47 — 1 — 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 Year Ended December 31, 2022 Opening balance $ 351 $ 4 $ 3,477 $ 20 $ 70 $ 19 Transfers out of Level 3 (1) — (3) — — — — Total gains/losses for the period: Included in earnings: Mortgage banking income 114 (3) — — — 1 Interest and fee income — — (5) (3) — — Provision for credit losses — — (4) — — — Included in OCI — — (262) — (1) — Purchases/originations/acquisitions 85 — 1,087 4 31 — Repayments — — — — — (4) Settlements (56) — (1,045) (1) (26) — Closing balance $ 494 $ (2) $ 3,248 $ 20 $ 74 $ 16 Change in unrealized gains or losses for the period included in earnings for assets held at end of the reporting date $ 114 $ (8) $ — $ — $ — $ — Change in unrealized gains or losses for the period included in other comprehensive income for assets held at the end of the reporting period — — (257) — (1) — Level 3 Fair Value Measurements Available-for-sale securities Loans held for investment (dollar amounts in millions) MSRs Derivative instruments Municipal securities Private label CMO Asset- backed securities Year Ended December 31, 2021 Opening balance $ 210 $ 41 $ 2,951 $ 9 $ 10 $ 23 Transfers out of Level 3 (1) — (132) — — — — Total gains/losses for the period: Included in earnings: Mortgage banking income 27 88 — — — — Interest and fee income — — (1) (2) — — Included in OCI — — (46) — — — Purchases/originations/acquisitions 194 7 1,835 11 115 — Sales — — (369) — — — Repayments — — — — — (4) Settlements (80) — (893) 2 (55) — Closing balance $ 351 $ 4 $ 3,477 $ 20 $ 70 $ 19 Change in unrealized gains or losses for the period included in earnings (or changes in net assets) for assets held at end of the reporting date $ 27 $ (41) $ — $ — $ — $ — Change in unrealized gains or losses for the period included in other comprehensive income for assets held at the end of the reporting period — — (47) — — — (1)
Roll forward of assets measured on a recurring basis and classified as Level 3	Level 3 Fair Value Measurements Available-for-sale securities Loans held for investment (dollar amounts in millions) MSRs Derivative Municipal Private- Asset- Year Ended December 31, 2023 Opening balance $ 494 $ (2) $ 3,248 $ 20 $ 74 $ 16 Transfers into Level 3 — — — — — 41 Transfers out of Level 3 (1) — (23) — — — — Total gains/losses for the period: Included in earnings: Mortgage banking income 7 25 — — — — Interest and fee income — — (2) (1) — (3) Noninterest income — (2) — — — — Included in OCI — — 73 — 1 — Purchases/originations 63 — 928 1 — — Sales (1) — — — — — Settlements (48) — (912) — — — Closing balance $ 515 $ (2) $ 3,335 $ 20 $ 75 $ 54 Change in unrealized gains or losses for the period included in earnings for assets held at end of the reporting date $ 7 $ (3) $ — $ — $ — $ — Change in unrealized gains or losses for the period included in other comprehensive income for assets held at the end of the reporting period — — 47 — 1 — 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 Year Ended December 31, 2022 Opening balance $ 351 $ 4 $ 3,477 $ 20 $ 70 $ 19 Transfers out of Level 3 (1) — (3) — — — — Total gains/losses for the period: Included in earnings: Mortgage banking income 114 (3) — — — 1 Interest and fee income — — (5) (3) — — Provision for credit losses — — (4) — — — Included in OCI — — (262) — (1) — Purchases/originations/acquisitions 85 — 1,087 4 31 — Repayments — — — — — (4) Settlements (56) — (1,045) (1) (26) — Closing balance $ 494 $ (2) $ 3,248 $ 20 $ 74 $ 16 Change in unrealized gains or losses for the period included in earnings for assets held at end of the reporting date $ 114 $ (8) $ — $ — $ — $ — Change in unrealized gains or losses for the period included in other comprehensive income for assets held at the end of the reporting period — — (257) — (1) — Level 3 Fair Value Measurements Available-for-sale securities Loans held for investment (dollar amounts in millions) MSRs Derivative instruments Municipal securities Private label CMO Asset- backed securities Year Ended December 31, 2021 Opening balance $ 210 $ 41 $ 2,951 $ 9 $ 10 $ 23 Transfers out of Level 3 (1) — (132) — — — — Total gains/losses for the period: Included in earnings: Mortgage banking income 27 88 — — — — Interest and fee income — — (1) (2) — — Included in OCI — — (46) — — — Purchases/originations/acquisitions 194 7 1,835 11 115 — Sales — — (369) — — — Repayments — — — — — (4) Settlements (80) — (893) 2 (55) — Closing balance $ 351 $ 4 $ 3,477 $ 20 $ 70 $ 19 Change in unrealized gains or losses for the period included in earnings (or changes in net assets) for assets held at end of the reporting date $ 27 $ (41) $ — $ — $ — $ — Change in unrealized gains or losses for the period included in other comprehensive income for assets held at the end of the reporting period — — (47) — — — (1)
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 December 31, 2023 Loans held for sale $ 506 $ 489 $ 17 $ — $ — $ — Loans held for investment 174 184 (10) 2 3 (1) 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 (losses) gains from fair value changes: Year Ended December 31, (dollar amounts in millions) 2023 2022 2021 Loans held for sale (1) $ 10 $ (26) $ (31) Loans held for investment (5) 1 (1) (1) The net gains (losses) from fair value changes are included in Mortgage banking income on the 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 Unobservable Inputs (Level 3) Total Gains/(Losses) Year Ended (dollar amounts in millions) December 31, 2023 December 31, 2022 December 31, 2023 December 31, 2022 December 31, 2021 Collateral-dependent loans $ 40 $ 16 $ (21) $ (1) $ (4)
Quantitative information about significant unobservable level 3 fair value measurement inputs	The following table presents quantitative information about the significant unobservable inputs for assets and liabilities measured at fair value: Quantitative Information about Level 3 Fair Value Measurements (1) At December 31, 2023 At December 31, 2022 (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 4 % - 37 % 9 % 5 % - 40 % 7 % Spread over forward interest rate swap rates 5 % - 13 % 5 % 5 % - 13 % 6 % Municipal securities and asset-backed securities Discounted cash flow Discount rate 4 % - 6 % 5 % 5 % - 5 % 5 % Cumulative default — % - 64 % 6 % — % - 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.
Fair value by balance sheet grouping	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 December 31, 2023 Financial Assets Cash and short-term assets $ 10,323 $ — $ — $ 10,323 $ 10,323 Trading account securities — — 125 125 125 Available-for-sale securities — — 25,305 25,305 25,305 Held-to-maturity securities 15,750 — — 15,750 13,718 Other securities 693 — 32 725 725 Loans held for sale — 10 506 516 516 Net loans and leases (1) 119,553 — 174 119,727 116,781 Derivative assets — — 393 393 393 Assets held in trust for deferred compensation plans — — 177 177 177 Financial Liabilities Deposits (2) 151,230 — — 151,230 151,183 Short-term borrowings 620 — — 620 620 Long-term debt 12,394 — — 12,394 12,276 Derivative liabilities — — 670 670 670 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 (2) 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. (2) Includes $1.4 billion and $462 million in time deposits in excess of the FDIC insurance coverage limit at December 31, 2023 and December 31, 2022, respectively. The following table presents the level in the fair value hierarchy for estimated fair values: Estimated Fair Value Measurements at Reporting Date Using Netting Presented Balance (dollar amounts in millions) Level 1 Level 2 Level 3 Adjustments (1) At December 31, 2023 Financial Assets Trading account securities $ 91 $ 34 $ — $ — $ 125 Available-for-sale securities 2,856 19,019 3,430 — 25,305 Held-to-maturity securities — 13,718 — — 13,718 Other securities (2) 30 2 — — 32 Loans held for sale — 506 10 — 516 Net loans and leases — 120 116,661 — 116,781 Derivative assets — 1,720 3 (1,330) 393 Financial Liabilities Deposits — 135,627 15,556 — 151,183 Short-term borrowings — 620 — — 620 Long-term debt — 8,929 3,347 — 12,276 Derivative liabilities — 1,416 5 (751) 670 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)	12 Months Ended
	Dec. 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 Consolidated Balance Sheets. Amounts in the table below are presented gross without the impact of any net collateral arrangements. At December 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 $ 38,017 $ 868 $ 519 $ 42,461 $ 1,008 $ 1,145 Foreign exchange contracts 222 6 — 202 2 — Derivatives not designated as Hedging Instruments Interest rate contracts 41,526 718 757 37,562 968 1,008 Foreign exchange contracts 5,257 69 76 4,889 68 68 Credit contracts 381 — 2 — — — Commodities contracts 681 62 60 762 114 113 Equity contracts 759 — 7 636 4 3 Total Contracts $ 86,843 $ 1,723 $ 1,421 $ 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 Consolidated Income Statement. Location of Gain or (Loss) Recognized in Income on Derivatives Year Ended December 31, (dollar amounts in millions) 2023 2022 2021 Interest rate contracts: Customer Capital markets fees $ 30 $ 47 $ 50 Mortgage banking Mortgage banking income (10) (109) (26) Interest rate floors Interest and fee income on loans and leases — — (8) Interest rate caps Interest expense on long-term debt — — 89 Interest rate swaptions Other noninterest income (24) — — Foreign exchange contracts Capital markets fees 45 45 32 Credit contracts Other noninterest income (2) — — Commodities contracts Capital markets fees 5 5 3 Equity contracts Other noninterest expense (13) (9) (8) Total $ 31 $ (21) $ 132
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, identified by the underlying interest rate-sensitive instruments: At December 31, 2023 (dollar amounts in millions) Fair Value Hedges Cash Flow Hedges Economic Hedges Total Instruments associated with: Investment securities $ 11,649 $ — $ — $ 11,649 Loans — 16,675 175 16,850 Long-term debt 9,693 — — 9,693 Total notional value $ 21,342 $ 16,675 $ 175 $ 38,192 At December 31, 2022 (dollar amounts in millions) Fair Value Hedges Cash Flow Hedges Economic Hedges Total 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. Year Ended December 31, (dollar amounts in millions) 2023 2022 2021 Interest rate contracts Change in fair value of interest rate swaps hedging investment securities (1) $ (284) $ 875 $ 108 Change in fair value of hedged investment securities (1) 282 (862) (114) Change in fair value of interest rate swaps hedging long-term debt (2) 141 (300) (184) Change in fair value of hedged long term debt (2) (141) 300 187 (1) Recognized in Interest income—available-for-sale securities—taxable in the Consolidated Statements of Income . (2) Recognized in Interest expense - long-term debt in the Consolidated Statements of Income .
Amounts recorded on the balance sheet related to cumulative basis adjustments	The following amounts were recorded on the balance sheet related to cumulative basis adjustments for fair value hedges. Amortized Cost Cumulative Amount of Fair Value Hedging Adjustment To Hedged Items At December 31, At December 31, (dollar amounts in millions) 2023 2022 2023 2022 Assets Investment securities (1) $ 18,241 $ 18,029 $ (698) $ (979) Liabilities Long-term debt (2) 9,909 7,175 (115) (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 December 31, 2023, the amortized cost basis of the closed portfolios used in these hedging relationships was $17.6 billion, the cumulative basis adjustments associated with these hedging relationships was $619 million, and the notional amounts of the designated hedging instruments were $11.0 billion. (2) Excluded from the above table are the cumulative amount of fair value hedge adjustments remaining for long-term debt for which hedge accounting has been discontinued in the amounts of $(69) million at December 31, 2023 and $(70) million at December 31, 2022.
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: At December 31, (dollar amounts in millions) 2023 2022 Notional value $ 1,668 $ 1,120 Trading assets — 4 Trading liabilities (69) (78) Year December 31, (dollar amounts in millions) 2023 2022 2021 Trading (losses) gains $ (10) $ (109) $ (26)
Offsetting of financial assets and derivatives assets	The following tables present the gross amounts of these assets and liabilities with any offsets to arrive at the net amounts recognized in the Consolidated Balance Sheets. Offsetting of Financial Assets and Derivative Assets Gross amounts offset in the consolidated balance sheets Net amounts of assets presented in the consolidated balance sheets Gross amounts not offset in the consolidated balance sheets (dollar amounts in millions) Gross amounts of recognized assets Financial instruments Cash collateral received Net amount At December 31, 2023 $ 1,723 $ (1,330) $ 393 $ (45) $ (4) $ 344 At December 31, 2022 2,164 (1,808) 356 (7) (56) 293
Offsetting of financial liabilities and derivative liabilities	Offsetting of Financial Liabilities and Derivative Liabilities Gross amounts offset in the consolidated balance sheets Net amounts of liabilities presented in the consolidated balance sheets Gross amounts not offset in the consolidated balance sheets (dollar amounts in millions) Gross amounts of recognized liabilities Financial instruments Cash collateral delivered Net amount At December 31, 2023 $ 1,421 $ (751) $ 670 $ — $ (93) $ 577 At December 31, 2022 2,337 (1,345) 992 (79) (118) 795

VARIABLE INTEREST ENTITIES (Tab

VARIABLE INTEREST ENTITIES (Tables)	12 Months Ended
	Dec. 31, 2023
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Carrying amount and classification of the trusts assets and liabilities, and affordable housing tax credit investments	The following tables provide a summary of the assets and liabilities included in Huntington’s Consolidated Financial Statements, as well as the maximum exposure to losses, associated with its interests related to unconsolidated VIEs for which Huntington holds an interest in, but is not the primary beneficiary of, the VIE. (dollar amounts in millions) Total Assets Total Liabilities Maximum Exposure to Loss At December 31, 2023 Affordable Housing Tax Credit Partnerships $ 2,297 $ 1,279 $ 2,297 Trust Preferred Securities 14 248 — Other Investments 894 140 894 Total $ 3,205 $ 1,667 $ 3,191 At December 31, 2022 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 The following table presents the balances of Huntington’s affordable housing tax credit investments and related unfunded commitments. At December 31, (dollar amounts in millions) 2023 2022 Affordable housing tax credit investments $ 3,335 $ 2,891 Less: amortization (1,038) (855) Net affordable housing tax credit investments $ 2,297 $ 2,036 Unfunded commitments $ 1,279 $ 1,260 The following table presents other information relating to Huntington’s affordable housing tax credit investments. Year Ended December 31, (dollar amounts in millions) 2023 2022 2021 Tax credits and other tax benefits recognized $ 260 $ 203 $ 144 Proportional amortization expense included in provision for income taxes 205 170 126

COMMITMENTS AND CONTINGENT LI_2

COMMITMENTS AND CONTINGENT LIABILITIES (Tables)	12 Months Ended
	Dec. 31, 2023
Commitments and Contingencies Disclosure [Abstract]
Contract amounts of various commitments to extend credit	The contract amounts of these financial agreements were as follows: At December 31, (dollar amounts in millions) 2023 2022 Contract amount representing credit risk Commitments to extend credit: Commercial $ 32,344 $ 32,500 Consumer 19,270 19,064 Commercial real estate 2,543 3,393 Standby letters of credit and guarantees on industrial revenue bonds 814 714 Commercial letters of credit 9 15

OTHER REGULATORY MATTERS (Table

OTHER REGULATORY MATTERS (Tables)	12 Months Ended
	Dec. 31, 2023
BankingRegulation [Abstract]
Period-end capital amounts and capital ratios	Please refer to the table below for a summary of Huntington’s and the Bank’s regulatory capital ratios. Minimum Minimum Ratio+ Basel III Regulatory Capital Buffer (1) Well- At December 31, Capital At December 31, Capitalized 2023 2022 (dollar amounts in millions) Ratios 2023 2022 Minimums Ratio Amount Ratio Amount CET1 risk-based capital Consolidated 4.50 % 7.70 % 7.80 % N/A 10.25 % $ 14,212 9.36 % $ 13,290 Bank 4.50 7.00 7.00 6.50 % 10.60 14,671 9.98 14,133 Tier 1 risk-based capital Consolidated 6.00 9.20 9.30 6.00 11.98 16,616 10.90 15,467 Bank 6.00 8.50 8.50 8.00 11.47 15,879 10.83 15,334 Total risk-based capital Consolidated 8.00 11.20 11.30 10.00 14.17 19,657 13.09 18,573 Bank 8.00 10.50 10.50 10.00 13.09 18,126 12.47 17,647 Tier 1 leverage Consolidated 4.00 N/A N/A N/A 9.32 16,616 8.60 15,467 Bank 4.00 N/A N/A 5.00 8.51 15,879 8.54 15,334 (1) The SCB, applicable to Huntington, was 3.2% and 3.3% at December 31, 2023 and December 31, 2022, respectively. The CCB, applicable to the Bank, was 2.5% at both December 31, 2023 and December 31, 2022.

PARENT-ONLY FINANCIAL STATEME_2

PARENT-ONLY FINANCIAL STATEMENTS (Tables)	12 Months Ended
	Dec. 31, 2023
Condensed Financial Information Disclosure [Abstract]
Balance Sheets	The parent-only financial statements, which include transactions with subsidiaries, are as follows: Balance Sheets At December 31, (dollar amounts in millions) 2023 2022 Assets Cash and due from banks $ 4,001 $ 3,525 Due from The Huntington National Bank 2,163 969 Due from non-bank subsidiaries 25 25 Investment in The Huntington National Bank 18,388 17,384 Investment in non-bank subsidiaries 263 242 Accrued interest receivable and other assets 718 664 Total assets $ 25,558 $ 22,809 Liabilities and shareholders’ equity Long-term borrowings $ 4,993 $ 3,980 Dividends payable, accrued expenses, and other liabilities 1,212 1,098 Total liabilities 6,205 5,078 Shareholders’ equity (1) 19,353 17,731 Total liabilities and shareholders’ equity $ 25,558 $ 22,809 (1) See Consolidated Statements of Changes in Shareholders’ Equity.
Statements of Income	Statements of Income Year Ended December 31, (dollar amounts in millions) 2023 2022 2021 Income Dividends from: The Huntington National Bank $ 1,706 $ 1,566 $ 1,394 Non-bank subsidiaries 27 19 19 Interest from: The Huntington National Bank 77 16 3 Non-bank subsidiaries 2 1 1 Other (1) (1) — Total income 1,811 1,601 1,417 Expense Personnel costs 5 8 6 Interest on borrowings 252 107 60 Other 191 169 230 Total expense 448 284 296 Income before income taxes and equity in undistributed net income of subsidiaries 1,363 1,317 1,121 Provision (benefit) for income taxes (75) (44) (56) Income before equity in undistributed net income of subsidiaries 1,438 1,361 1,177 Increase in undistributed net income of: The Huntington National Bank 486 853 97 Non-bank subsidiaries 27 24 21 Net income $ 1,951 $ 2,238 $ 1,295 Other comprehensive income (loss)(1) 422 (2,869) (421) Comprehensive income (loss) $ 2,373 $ (631) $ 874 (1) See Consolidated Statements of Comprehensive Income for other comprehensive (loss) income detail.
Statements of Cash Flows	Statements of Cash Flows Year Ended December 31, (dollar amounts in millions) 2023 2022 2021 Operating activities Net income $ 1,951 $ 2,238 $ 1,295 Adjustments to reconcile net income to net cash provided by operating activities: Equity in undistributed net income of subsidiaries (513) (877) (118) Depreciation and amortization — (22) 23 Other, net 192 (55) (217) Net cash provided by operating activities 1,630 1,284 983 Investing activities Repayments from subsidiaries 503 14 8 Advances to subsidiaries (1,753) (503) (59) Net purchases of securities — (20) (28) Net cash (paid) received from business combination — (194) 248 Other, net (10) (1) — Net cash (used for) provided by investing activities (1,260) (704) 169 Financing activities Proceeds from issuance of long-term debt 1,250 1,144 513 Payment of long-term debt (323) — (1,508) Dividends paid on common and preferred stock (1,034) (1,010) (888) Repurchases of common stock — — (650) Net proceeds from issuance of preferred stock 317 — 486 Repurchase/redemption of preferred stock (82) — (700) Other, net (22) (21) (39) Net cash provided by (used for) financing activities 106 113 (2,786) Increase (decrease) in cash and cash equivalents 476 693 (1,634) Cash and cash equivalents at beginning of year 3,525 2,832 4,466 Cash and cash equivalents at end of year $ 4,001 $ 3,525 $ 2,832 Supplemental disclosure: Interest paid $ 228 $ 89 $ 71

SEGMENT REPORTING (Tables)

SEGMENT REPORTING (Tables)	12 Months Ended
	Dec. 31, 2023
Segment Reporting [Abstract]
Business Segment Financial Information	Listed in the table below is certain operating basis financial information reconciled to Huntington’s, reported results by business segment. Income Statements (dollar amounts in millions) Consumer & Regional Banking Commercial Banking Treasury / Other Huntington Consolidated Year Ended December 31, 2023 Net interest income (loss) $ 3,717 $ 2,162 $ (440) $ 5,439 Provision for credit losses 246 156 — 402 Noninterest income 1,257 646 18 1,921 Noninterest expense 3,064 1,134 376 4,574 Provision (benefit) for income taxes 349 319 (255) 413 Income attributable to non-controlling interest — 20 — 20 Net income (loss) attributable to Huntington Bancshares Inc $ 1,315 $ 1,179 $ (543) $ 1,951 Year Ended December 31, 2022 Net interest income $ 3,213 $ 1,807 $ 253 $ 5,273 Provision for credit losses 260 29 — 289 Noninterest income 1,272 667 42 1,981 Noninterest expense 2,924 1,056 221 4,201 Provision (benefit) for income taxes 274 292 (51) 515 Income attributable to non-controlling interest — 10 1 11 Net income attributable to Huntington Bancshares Inc $ 1,027 $ 1,087 $ 124 $ 2,238 Year Ended December 31, 2021 Net interest income (loss) $ 3,103 $ 1,483 $ (484) $ 4,102 Provision for credit losses 2 23 — 25 Noninterest income 1,289 519 81 1,889 Noninterest expense 2,698 787 890 4,375 Provision (benefit) for income taxes 355 251 (312) 294 Income attributable to non-controlling interest — 2 — 2 Net income (loss) attributable to Huntington Bancshares Inc $ 1,337 $ 939 $ (981) $ 1,295
Segment Disclosure of Assets and Deposits	Assets at December 31, Deposits at December 31, (dollar amounts in millions) 2023 2022 2023 2022 Consumer & Regional Banking $ 73,082 $ 70,268 $ 110,157 $ 105,064 Commercial Banking 63,377 63,611 35,466 36,807 Treasury / Other 52,909 49,027 5,607 6,043 Total $ 189,368 $ 182,906 $ 151,230 $ 147,914

SIGNIFICANT ACCOUNTING POLICI_3

SIGNIFICANT ACCOUNTING POLICIES - Loans and Leases (Details)	3 Months Ended	12 Months Ended
	Jun. 30, 2023 business_unit	Dec. 31, 2023 segment
Financing Receivable, Past Due [Line Items]
Number of reportable segments	2	2
Commercial portfolio
Financing Receivable, Past Due [Line Items]
Threshold period past due for nonperforming status		90 days
Threshold past due for write-off		90 days
Commercial real estate
Financing Receivable, Past Due [Line Items]
Threshold period past due for nonperforming status		90 days
Threshold past due for write-off		90 days
Home Equity | First-lien home equity loan
Financing Receivable, Past Due [Line Items]
Threshold period past due for nonperforming status		150 days
Threshold past due for write-off		150 days
Home Equity | Junior-lien home equity loan
Financing Receivable, Past Due [Line Items]
Threshold past due for write-off		120 days
Automobile
Financing Receivable, Past Due [Line Items]
Threshold past due for write-off		120 days
RV and marine
Financing Receivable, Past Due [Line Items]
Threshold past due for write-off		120 days
Residential Mortgage
Financing Receivable, Past Due [Line Items]
Threshold period past due for nonperforming status		150 days
Threshold past due for write-off		150 days
Other consumer
Financing Receivable, Past Due [Line Items]
Threshold past due for write-off		120 days
Consumer portfolio
Financing Receivable, Past Due [Line Items]
Threshold past due for write-off		120 days

SIGNIFICANT ACCOUNTING POLICI_4

SIGNIFICANT ACCOUNTING POLICIES - Property, Plant, and Equipment (Details)	Dec. 31, 2023
Buildings | Minimum
Property, Plant and Equipment [Line Items]
Property, plant and equipment, useful life	30 years
Buildings | Maximum
Property, Plant and Equipment [Line Items]
Property, plant and equipment, useful life	40 years
Building Improvements | Minimum
Property, Plant and Equipment [Line Items]
Property, plant and equipment, useful life	10 years
Building Improvements | Maximum
Property, Plant and Equipment [Line Items]
Property, plant and equipment, useful life	30 years
Land Improvements | Minimum
Property, Plant and Equipment [Line Items]
Property, plant and equipment, useful life	5 years
Land Improvements | Maximum
Property, Plant and Equipment [Line Items]
Property, plant and equipment, useful life	20 years
Equipment | Minimum
Property, Plant and Equipment [Line Items]
Property, plant and equipment, useful life	3 years
Equipment | Maximum
Property, Plant and Equipment [Line Items]
Property, plant and equipment, useful life	10 years

BUSINESS COMBINATIONS - Narrati

BUSINESS COMBINATIONS - Narrative (Details) $ in Millions	Jun. 09, 2021 USD ($)	Dec. 31, 2023 USD ($)	Dec. 31, 2022 USD ($)	Jun. 15, 2022 USD ($)	Dec. 31, 2021 USD ($)
Business Acquisition [Line Items]
Goodwill		$ 5,561	$ 5,571		$ 5,349
Capstone Partners | Commercial Banking
Business Acquisition [Line Items]
Goodwill				$ 192
TCF Financial Corporation
Business Acquisition [Line Items]
Consideration transferred	$ 7,200
TCF Financial Corporation | Common Stock
Business Acquisition [Line Items]
Share issuance ratio	3.0028
TCF Financial Corporation | Newly created series of preferred stock
Business Acquisition [Line Items]
Share issuance ratio	1
TCF Financial Corporation | Series C Non-Cumulative Perpetual Preferred Stock
Business Acquisition [Line Items]
Preferred stock, dividend rate percentage	5.70%

INVESTMENT SECURITIES AND OTH_3

INVESTMENT SECURITIES AND OTHER SECURITIES - Schedule of Amortized Cost, Fair Value, and Gross Unrealized Gains (Losses) (Details) - USD ($) $ in Millions	Dec. 31, 2023	Dec. 31, 2022
Schedule of investment securities and other securities [Line Items]
Available-for-sale securities, Amortized Cost	$ 28,565	$ 27,103
Available-for-sale securities, Gross Gains	85	138
Available-for-sale securities, Gross Losses	(3,345)	(3,818)
Available-for-sale securities, Fair Value	25,305	23,423
Held-to-maturity securities, Amortized Cost	15,750	17,052
Held-to-maturity securities, Gross Gains	7	4
Held-to-maturity securities, Gross Losses	(2,039)	(2,302)
Held-to-maturity securities, Fair Value	13,718	14,754
Other securities, Amortized Cost	724	854
Other securities, Gross Gains	1	0
Other securities, Gross Losses	0	0
Other securities, Fair Value	725	854
Hedged asset, fair value hedge, last-of-layer, cumulative increase (decrease)	619	849
U.S. Treasury securities
Schedule of investment securities and other securities [Line Items]
Available-for-sale securities, Amortized Cost	2,855	103
Available-for-sale securities, Gross Gains	1	0
Available-for-sale securities, Gross Losses	0	0
Available-for-sale securities, Fair Value	2,856	103
Residential CMO
Schedule of investment securities and other securities [Line Items]
Available-for-sale securities, Amortized Cost	3,592	3,336
Available-for-sale securities, Gross Gains	0	0
Available-for-sale securities, Gross Losses	(408)	(422)
Available-for-sale securities, Fair Value	3,184	2,914
Held-to-maturity securities, Amortized Cost	4,770	4,970
Held-to-maturity securities, Gross Gains	6	4
Held-to-maturity securities, Gross Losses	(664)	(714)
Held-to-maturity securities, Fair Value	4,112	4,260
Residential MBS
Schedule of investment securities and other securities [Line Items]
Available-for-sale securities, Amortized Cost	13,155	14,349
Available-for-sale securities, Gross Gains	3	4
Available-for-sale securities, Gross Losses	(1,776)	(2,090)
Available-for-sale securities, Fair Value	11,382	12,263
Held-to-maturity securities, Amortized Cost	9,368	10,295
Held-to-maturity securities, Gross Gains	1	0
Held-to-maturity securities, Gross Losses	(1,145)	(1,375)
Held-to-maturity securities, Fair Value	8,224	8,920
Commercial MBS
Schedule of investment securities and other securities [Line Items]
Available-for-sale securities, Amortized Cost	2,536	2,565
Available-for-sale securities, Gross Gains	0	0
Available-for-sale securities, Gross Losses	(709)	(612)
Available-for-sale securities, Fair Value	1,827	1,953
Held-to-maturity securities, Amortized Cost	1,509	1,652
Held-to-maturity securities, Gross Gains	0	0
Held-to-maturity securities, Gross Losses	(224)	(204)
Held-to-maturity securities, Fair Value	1,285	1,448
Other agencies
Schedule of investment securities and other securities [Line Items]
Available-for-sale securities, Amortized Cost	161	190
Available-for-sale securities, Gross Gains	0	1
Available-for-sale securities, Gross Losses	(6)	(9)
Available-for-sale securities, Fair Value	155	182
Held-to-maturity securities, Amortized Cost	101	133
Held-to-maturity securities, Gross Gains	0	0
Held-to-maturity securities, Gross Losses	(6)	(9)
Held-to-maturity securities, Fair Value	95	124
Total U.S. Treasury, federal agency, and other agency securities
Schedule of investment securities and other securities [Line Items]
Available-for-sale securities, Amortized Cost	22,299	20,543
Available-for-sale securities, Gross Gains	4	5
Available-for-sale securities, Gross Losses	(2,899)	(3,133)
Available-for-sale securities, Fair Value	19,404	17,415
Held-to-maturity securities, Amortized Cost	15,748	17,050
Held-to-maturity securities, Gross Gains	7	4
Held-to-maturity securities, Gross Losses	(2,039)	(2,302)
Held-to-maturity securities, Fair Value	13,716	14,752
Municipal securities
Schedule of investment securities and other securities [Line Items]
Available-for-sale securities, Amortized Cost	3,536	3,527
Available-for-sale securities, Gross Gains	2	1
Available-for-sale securities, Gross Losses	(165)	(238)
Available-for-sale securities, Fair Value	3,373	3,290
Held-to-maturity securities, Amortized Cost	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
Schedule of investment securities and other securities [Line Items]
Available-for-sale securities, Amortized Cost	131	146
Available-for-sale securities, Gross Gains	0	0
Available-for-sale securities, Gross Losses	(12)	(18)
Available-for-sale securities, Fair Value	119	128
Asset-backed securities
Schedule of investment securities and other securities [Line Items]
Available-for-sale securities, Amortized Cost	387	416
Available-for-sale securities, Gross Gains	0	0
Available-for-sale securities, Gross Losses	(31)	(44)
Available-for-sale securities, Fair Value	356	372
Corporate debt
Schedule of investment securities and other securities [Line Items]
Available-for-sale securities, Amortized Cost	2,202	2,467
Available-for-sale securities, Gross Gains	79	132
Available-for-sale securities, Gross Losses	(238)	(385)
Available-for-sale securities, Fair Value	2,043	2,214
Other securities/Sovereign debt
Schedule of investment securities and other securities [Line Items]
Available-for-sale securities, Amortized Cost	10	4
Available-for-sale securities, Gross Gains	0	0
Available-for-sale securities, Gross Losses	0	0
Available-for-sale securities, Fair Value	10	4
Other non-marketable equity securities
Schedule of investment securities and other securities [Line Items]
Other securities, Amortized Cost	17	10
Other securities, Gross Gains	0	0
Other securities, Gross Losses	0	0
Other securities, Fair Value	17	10
Mutual funds
Schedule of investment securities and other securities [Line Items]
Other securities, Amortized Cost	30	31
Other securities, Gross Gains	0	0
Other securities, Gross Losses	0	0
Other securities, Fair Value	30	31
Equity securities
Schedule of investment securities and other securities [Line Items]
Other securities, Amortized Cost	1	1
Other securities, Gross Gains	1	0
Other securities, Gross Losses	0	0
Other securities, Fair Value	2	1
Debt Securities, Available-For-Sale
Schedule of investment securities and other securities [Line Items]
Accrued interest receivable	61	64
Debt Securities, Held-To-Maturity Securitas
Schedule of investment securities and other securities [Line Items]
Accrued interest receivable	36	39
Federal Home Loan Bank stock | Non-marketable equity securities:
Schedule of investment securities and other securities [Line Items]
Other securities, Amortized Cost	169	312
Other securities, Gross Gains	0	0
Other securities, Gross Losses	0	0
Other securities, Fair Value	169	312
Federal Reserve Bank stock | Non-marketable equity securities:
Schedule of investment securities and other securities [Line Items]
Other securities, Amortized Cost	507	500
Other securities, Gross Gains	0	0
Other securities, Gross Losses	0	0
Other securities, Fair Value	$ 507	$ 500

INVESTMENT SECURITIES AND OTH_4

INVESTMENT SECURITIES AND OTHER SECURITIES - Contractual Maturities (Details) - USD ($) $ in Millions	Dec. 31, 2023	Dec. 31, 2022
Investments, Debt and Equity Securities [Abstract]
Available-for-sale securities, Under 1 year, Amortized Cost	$ 3,380	$ 518
Available-for-sale securities, After 1 year through 5 years, Amortized Cost	2,484	2,182
Available-for-sale securities, After 5 years through 10 years, Amortized Cost	2,392	3,106
Available-for-sale securities, After 10 years, Amortized Cost	20,309	21,297
Available-for-sale securities, Amortized Cost	28,565	27,103
Available-for-sale securities, Under 1 year, Fair Value	3,372	511
Available-for-sale securities, After 1 year through 5 years, Fair Value	2,338	2,033
Available-for-sale securities, After 5 years through 10 years, Fair Value	2,255	2,814
Available-for-sale securities, After 10 years, Fair Value	17,340	18,065
Available-for-sale securities, Fair Value	25,305	23,423
Held-to-maturity securities, Under 1 year, Amortized Cost	1	0
Held-to-maturity securities, After 1 year through 5 years, Amortized Cost	48	72
Held-to-maturity securities, After 5 years through 10 years, Amortized Cost	69	71
Held-to-maturity securities, Amortized Cost	15,750	17,052
Held-to-maturity securities, After 10 years, Amortized Cost	15,632	16,909
Held-to-maturity securities, Under 1 year, Fair Value	1	0
Held-to-maturity securities, After 1 year through 5 years, Fair Value	46	68
Held-to-maturity securities, After 5 years through 10 years, Fair Value	66	66
Held-to-maturity securities, After 10 years, Fair Value	13,605	14,620
Held-to-maturity securities, Fair Value	$ 13,718	$ 14,754

INVESTMENT SECURITIES AND OTH_5

INVESTMENT SECURITIES AND OTHER SECURITIES - Continuous Unrealized Loss Position (Details) - USD ($) $ in Millions	Dec. 31, 2023	Dec. 31, 2022
Investment securities and other securities disclosure [Line Items]
Available-for-sale securities, Less than 12 Months, Fair Value	$ 1,375	$ 8,944
Debt Securities, Available-for-sale securities, Less than 12 Months, Gross Unrealized Losses	(28)	(1,062)
Available-for-sale securities, Over 12 Months, Fair Value	20,381	13,763
Available-for-sale securities, Over 12 Months, Gross Unrealized Losses	(3,317)	(2,756)
Available-for-sale securities, Fair Value	21,756	22,707
Available-for-sale securities, Gross Unrealized Losses	(3,345)	(3,818)
Held-to-maturity securities, Less than 12 Months, Fair Value	156	7,178
Held-to-maturity securities, Less than 12 Months, Gross Unrealized Losses	(1)	(863)
Held-to-maturity securities, Over 12 Months, Fair Value	13,030	7,241
Held-to-maturity securities, Over 12 Months, Gross Unrealized Losses	(2,038)	(1,439)
Held-to-maturity securities, Fair Value	13,186	14,419
Held-to-maturity securities, Gross Unrealized Losses	(2,039)	(2,302)
Residential CMO
Investment securities and other securities disclosure [Line Items]
Available-for-sale securities, Less than 12 Months, Fair Value	543	2,096
Debt Securities, Available-for-sale securities, Less than 12 Months, Gross Unrealized Losses	(7)	(224)
Available-for-sale securities, Over 12 Months, Fair Value	2,641	818
Available-for-sale securities, Over 12 Months, Gross Unrealized Losses	(401)	(198)
Available-for-sale securities, Fair Value	3,184	2,914
Available-for-sale securities, Gross Unrealized Losses	(408)	(422)
Held-to-maturity securities, Less than 12 Months, Fair Value	156	1,702
Held-to-maturity securities, Less than 12 Months, Gross Unrealized Losses	(1)	(238)
Held-to-maturity securities, Over 12 Months, Fair Value	3,542	2,283
Held-to-maturity securities, Over 12 Months, Gross Unrealized Losses	(663)	(476)
Held-to-maturity securities, Fair Value	3,698	3,985
Held-to-maturity securities, Gross Unrealized Losses	(664)	(714)
Residential MBS
Investment securities and other securities disclosure [Line Items]
Available-for-sale securities, Less than 12 Months, Fair Value	207	2,455
Debt Securities, Available-for-sale securities, Less than 12 Months, Gross Unrealized Losses	(2)	(286)
Available-for-sale securities, Over 12 Months, Fair Value	10,913	9,490
Available-for-sale securities, Over 12 Months, Gross Unrealized Losses	(1,774)	(1,804)
Available-for-sale securities, Fair Value	11,120	11,945
Available-for-sale securities, Gross Unrealized Losses	(1,776)	(2,090)
Held-to-maturity securities, Less than 12 Months, Fair Value	0	4,151
Held-to-maturity securities, Less than 12 Months, Gross Unrealized Losses	0	(462)
Held-to-maturity securities, Over 12 Months, Fair Value	8,108	4,711
Held-to-maturity securities, Over 12 Months, Gross Unrealized Losses	(1,145)	(913)
Held-to-maturity securities, Fair Value	8,108	8,862
Held-to-maturity securities, Gross Unrealized Losses	(1,145)	(1,375)
Commercial MBS
Investment securities and other securities disclosure [Line Items]
Available-for-sale securities, Less than 12 Months, Fair Value	0	1,090
Debt Securities, Available-for-sale securities, Less than 12 Months, Gross Unrealized Losses	0	(249)
Available-for-sale securities, Over 12 Months, Fair Value	1,827	863
Available-for-sale securities, Over 12 Months, Gross Unrealized Losses	(709)	(363)
Available-for-sale securities, Fair Value	1,827	1,953
Available-for-sale securities, Gross Unrealized Losses	(709)	(612)
Held-to-maturity securities, Less than 12 Months, Fair Value	0	1,201
Held-to-maturity securities, Less than 12 Months, Gross Unrealized Losses	0	(154)
Held-to-maturity securities, Over 12 Months, Fair Value	1,285	247
Held-to-maturity securities, Over 12 Months, Gross Unrealized Losses	(224)	(50)
Held-to-maturity securities, Fair Value	1,285	1,448
Held-to-maturity securities, Gross Unrealized Losses	(224)	(204)
Other agencies
Investment securities and other securities disclosure [Line Items]
Available-for-sale securities, Less than 12 Months, Fair Value	0	40
Debt Securities, Available-for-sale securities, Less than 12 Months, Gross Unrealized Losses	0	(1)
Available-for-sale securities, Over 12 Months, Fair Value	81	56
Available-for-sale securities, Over 12 Months, Gross Unrealized Losses	(6)	(8)
Available-for-sale securities, Fair Value	81	96
Available-for-sale securities, Gross Unrealized Losses	(6)	(9)
Held-to-maturity securities, Less than 12 Months, Fair Value	0	124
Held-to-maturity securities, Less than 12 Months, Gross Unrealized Losses	0	(9)
Held-to-maturity securities, Over 12 Months, Fair Value	95	0
Held-to-maturity securities, Over 12 Months, Gross Unrealized Losses	(6)	0
Held-to-maturity securities, Fair Value	95	124
Held-to-maturity securities, Gross Unrealized Losses	(6)	(9)
Total U.S. Treasury, federal agency, and other agency securities
Investment securities and other securities disclosure [Line Items]
Available-for-sale securities, Less than 12 Months, Fair Value	750	5,681
Debt Securities, Available-for-sale securities, Less than 12 Months, Gross Unrealized Losses	(9)	(760)
Available-for-sale securities, Over 12 Months, Fair Value	15,462	11,227
Available-for-sale securities, Over 12 Months, Gross Unrealized Losses	(2,890)	(2,373)
Available-for-sale securities, Fair Value	16,212	16,908
Available-for-sale securities, Gross Unrealized Losses	(2,899)	(3,133)
Held-to-maturity securities, Less than 12 Months, Fair Value	156	7,178
Held-to-maturity securities, Less than 12 Months, Gross Unrealized Losses	(1)	(863)
Held-to-maturity securities, Over 12 Months, Fair Value	13,030	7,241
Held-to-maturity securities, Over 12 Months, Gross Unrealized Losses	(2,038)	(1,439)
Held-to-maturity securities, Fair Value	13,186	14,419
Held-to-maturity securities, Gross Unrealized Losses	(2,039)	(2,302)
Municipal securities
Investment securities and other securities disclosure [Line Items]
Available-for-sale securities, Less than 12 Months, Fair Value	625	2,298
Debt Securities, Available-for-sale securities, Less than 12 Months, Gross Unrealized Losses	(19)	(174)
Available-for-sale securities, Over 12 Months, Fair Value	2,496	807
Available-for-sale securities, Over 12 Months, Gross Unrealized Losses	(146)	(64)
Available-for-sale securities, Fair Value	3,121	3,105
Available-for-sale securities, Gross Unrealized Losses	(165)	(238)
Private-label CMO
Investment securities and other securities disclosure [Line Items]
Available-for-sale securities, Less than 12 Months, Fair Value	0	64
Debt Securities, Available-for-sale securities, Less than 12 Months, Gross Unrealized Losses	0	(13)
Available-for-sale securities, Over 12 Months, Fair Value	99	43
Available-for-sale securities, Over 12 Months, Gross Unrealized Losses	(12)	(5)
Available-for-sale securities, Fair Value	99	107
Available-for-sale securities, Gross Unrealized Losses	(12)	(18)
Asset-backed Securities
Investment securities and other securities disclosure [Line Items]
Available-for-sale securities, Less than 12 Months, Fair Value	0	174
Debt Securities, Available-for-sale securities, Less than 12 Months, Gross Unrealized Losses	0	(10)
Available-for-sale securities, Over 12 Months, Fair Value	281	199
Available-for-sale securities, Over 12 Months, Gross Unrealized Losses	(31)	(34)
Available-for-sale securities, Fair Value	281	373
Available-for-sale securities, Gross Unrealized Losses	(31)	(44)
Corporate debt
Investment securities and other securities disclosure [Line Items]
Available-for-sale securities, Less than 12 Months, Fair Value	0	727
Debt Securities, Available-for-sale securities, Less than 12 Months, Gross Unrealized Losses	0	(105)
Available-for-sale securities, Over 12 Months, Fair Value	2,043	1,487
Available-for-sale securities, Over 12 Months, Gross Unrealized Losses	(238)	(280)
Available-for-sale securities, Fair Value	2,043	2,214
Available-for-sale securities, Gross Unrealized Losses	$ (238)	$ (385)

INVESTMENT SECURITIES AND OTH_6

INVESTMENT SECURITIES AND OTHER SECURITIES - Narrative (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Debt Securities, Available-for-Sale [Line Items]
Transfer of securities from available-for-sale to held-to-maturity	$ 0	$ 4,225	$ 3,007
Unrealized net gains recognized in OCI		(58)
Asset Pledged as Collateral
Debt Securities, Available-for-Sale [Line Items]
Investment securities	$ 35,100	$ 26,900

LOANS AND LEASES - Loan and Lea

LOANS AND LEASES - Loan and Lease Portfolio Composition (Details) - USD ($) $ in Millions		Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	[1]	$ 121,982	$ 119,523
Allowance for loan and lease losses		(2,255)	(2,121)	$ (2,030)	$ (1,814)
Net loans and leases		119,727	117,402
Loan and lease adjustments		(323)	3
Commercial portfolio
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases		68,307	67,013
Allowance for loan and lease losses		(1,563)	(1,424)	(1,462)	(1,236)
Accrued interest receivable		333	274
Consumer portfolio
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases		53,675	52,510
Allowance for loan and lease losses		(692)	(697)	$ (568)	$ (578)
Accrued interest receivable		220	186
Commercial and industrial | Commercial portfolio
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases		50,657	48,121
Commercial real estate | Commercial portfolio
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases		12,422	13,640
Lease financing | Commercial portfolio
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases		5,228	5,252
Residential mortgage | Consumer portfolio
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases		23,720	22,226
Automobile | Consumer portfolio
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases		12,482	13,154
Home equity | Consumer portfolio
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases		10,113	10,375
RV and marine | Consumer portfolio
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases		5,899	5,376
Other consumer | Consumer portfolio
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases		$ 1,461	$ 1,379
[1] Amounts represent loans for which Huntington has elected the fair value option. See Note 19 - “ Fair Values of Assets and Liabilities .”

LOANS AND LEASES - Net Investme

LOANS AND LEASES - Net Investments in Lease Financing Receivables (Details) - Commercial portfolio - USD ($) $ in Millions	Dec. 31, 2023	Dec. 31, 2022
Accounts, Notes, Loans and Financing Receivable [Line Items]
Lease payments receivable	$ 4,980	$ 4,916
Estimated residual value of leased assets	804	788
Gross investment in lease financing receivables	5,784	5,704
Deferred origination costs	54	46
Deferred fees, unearned income and other	(610)	(498)
Total lease financing receivables	$ 5,228	$ 5,252

LOANS AND LEASES - Nonaccrual L

LOANS AND LEASES - Nonaccrual Loans by Loan Class (Details) - USD ($) $ in Millions	Dec. 31, 2023	Dec. 31, 2022
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonaccrual loans and leases with no ACL	$ 133	$ 112
Total nonaccrual loans and leases	667	569
Commercial portfolio | Commercial and industrial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonaccrual loans and leases with no ACL	66	49
Total nonaccrual loans and leases	344	288
Commercial portfolio | Commercial real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonaccrual loans and leases with no ACL	64	63
Total nonaccrual loans and leases	140	92
Commercial portfolio | Lease financing
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonaccrual loans and leases with no ACL	3	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	72	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	91	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	$ 2	$ 1

LOANS AND LEASES - NALs Past Du

LOANS AND LEASES - NALs Past Due (Details) - USD ($) $ in Millions		Dec. 31, 2023	Dec. 31, 2022
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	[1]	$ 121,982	$ 119,523
Loans Accounted for Under FVO		174	185
90 or more days past due and accruing		189	207
Total
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases		1,205	1,083
30-59 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases		543	509
60-89 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases		235	165
90 or more days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases		427	409
Current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases		120,603	118,255
Commercial portfolio
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases		68,307	67,013
Commercial portfolio | Commercial and industrial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases		50,657	48,121
Loans Accounted for Under FVO		0	0
90 or more days past due and accruing		1	23
Commercial portfolio | Commercial and industrial | Total
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases		228	180
Commercial portfolio | Commercial and industrial | 30-59 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases		90	53
Commercial portfolio | Commercial and industrial | 60-89 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases		48	19
Commercial portfolio | Commercial and industrial | 90 or more days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases		90	108
Commercial portfolio | Commercial and industrial | Current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases		50,429	47,941
Commercial portfolio | Commercial real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases		12,422	13,640
Loans Accounted for Under FVO		0	0
90 or more days past due and accruing		0	0
Commercial portfolio | Commercial real estate | Total
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases		80	12
Commercial portfolio | Commercial real estate | 30-59 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases		28	2
Commercial portfolio | Commercial real estate | 60-89 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases		20	1
Commercial portfolio | Commercial real estate | 90 or more days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases		32	9
Commercial portfolio | Commercial real estate | Current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases		12,342	13,628
Commercial portfolio | Lease financing
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases		5,228	5,252
Loans Accounted for Under FVO		0	0
90 or more days past due and accruing		4	9
Commercial portfolio | Lease financing | Total
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases		59	64
Commercial portfolio | Lease financing | 30-59 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases		35	36
Commercial portfolio | Lease financing | 60-89 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases		15	18
Commercial portfolio | Lease financing | 90 or more days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases		9	10
Commercial portfolio | Lease financing | Current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases		5,169	5,188
Consumer portfolio
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases		53,675	52,510
Consumer portfolio | Residential mortgage
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases		23,720	22,226
Loans Accounted for Under FVO		174	184
90 or more days past due and accruing		146	146
Consumer portfolio | Residential mortgage | Total
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases		486	514
Consumer portfolio | Residential mortgage | 30-59 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases		205	246
Consumer portfolio | Residential mortgage | 60-89 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases		88	69
Consumer portfolio | Residential mortgage | 90 or more days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases		193	199
Consumer portfolio | Residential mortgage | Current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases		23,060	21,528
Consumer portfolio | Automobile
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases		12,482	13,154
Loans Accounted for Under FVO		0	0
90 or more days past due and accruing		9	9
Consumer portfolio | Automobile | Total
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases		124	119
Consumer portfolio | Automobile | 30-59 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases		89	88
Consumer portfolio | Automobile | 60-89 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases		23	20
Consumer portfolio | Automobile | 90 or more days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases		12	11
Consumer portfolio | Automobile | Current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases		12,358	13,035
Consumer portfolio | Home equity
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases		10,113	10,374
Loans Accounted for Under FVO		0	1
Consumer portfolio | Home equity | Total
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases		181	152
Consumer portfolio | Home equity | 30-59 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases		66	56
Consumer portfolio | Home equity | 60-89 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases		32	30
Consumer portfolio | Home equity | 90 or more days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases		83	66
Consumer portfolio | Home equity | Current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases		9,932	10,222
Consumer portfolio | Home equity
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases		10,113	10,375
90 or more days past due and accruing		22	15
Consumer portfolio | RV and marine
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases		5,899	5,376
Loans Accounted for Under FVO		0	0
90 or more days past due and accruing		3	3
Consumer portfolio | RV and marine | Total
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases		26	23
Consumer portfolio | RV and marine | 30-59 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases		17	15
Consumer portfolio | RV and marine | 60-89 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases		5	5
Consumer portfolio | RV and marine | 90 or more days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases		4	3
Consumer portfolio | RV and marine | Current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases		5,873	5,353
Consumer portfolio | Other consumer
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases		1,461	1,379
Loans Accounted for Under FVO		0	0
90 or more days past due and accruing		4	2
Consumer portfolio | Other consumer | Total
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases		21	19
Consumer portfolio | Other consumer | 30-59 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases		13	13
Consumer portfolio | Other consumer | 60-89 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases		4	3
Consumer portfolio | Other consumer | 90 or more days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases		4	3
Consumer portfolio | Other consumer | Current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases		$ 1,440	$ 1,360
[1] Amounts represent loans for which Huntington has elected the fair value option. See Note 19 - “ Fair Values of Assets and Liabilities .”

LOANS AND LEASES - Vintage Cred

LOANS AND LEASES - Vintage Credit Quality (Details) - USD ($) $ in Millions		Dec. 31, 2023	Dec. 31, 2022
Financing Receivable, Credit Quality Indicator [Line Items]
Total loans and leases	[1]	$ 121,982	$ 119,523
Commercial portfolio
Financing Receivable, Credit Quality Indicator [Line Items]
Total loans and leases		68,307	67,013
Commercial portfolio | Commercial and industrial
Financing Receivable, Credit Quality Indicator [Line Items]
Current year		15,283	18,568
Year before current year		10,433	7,064
Two years before current year		3,925	3,607
Three years before current year		2,321	2,340
Four years before current year		1,282	1,347
Five years before current year		1,635	1,469
Revolver Total at Amortized Cost Basis		15,775	13,723
Revolver Total Converted to Term Loans		3	3
Total loans and leases		50,657	48,121
Commercial portfolio | Commercial and industrial | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Current year		14,677	18,092
Year before current year		9,889	6,742
Two years before current year		3,673	3,332
Three years before current year		2,151	2,107
Four years before current year		1,187	1,156
Five years before current year		1,431	1,186
Revolver Total at Amortized Cost Basis		14,563	13,060
Revolver Total Converted to Term Loans		3	3
Total loans and leases		47,574	45,678
Commercial portfolio | Commercial and industrial | OLEM
Financing Receivable, Credit Quality Indicator [Line Items]
Current year		213	108
Year before current year		239	139
Two years before current year		64	72
Three years before current year		20	21
Four years before current year		12	49
Five years before current year		20	26
Revolver Total at Amortized Cost Basis		462	113
Revolver Total Converted to Term Loans		0	0
Total loans and leases		1,030	528
Commercial portfolio | Commercial and industrial | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Current year		393	368
Year before current year		305	183
Two years before current year		188	203
Three years before current year		150	212
Four years before current year		83	142
Five years before current year		184	256
Revolver Total at Amortized Cost Basis		750	550
Revolver Total Converted to Term Loans		0	0
Total loans and leases		2,053	1,914
Commercial portfolio | Commercial and industrial | Doubtful
Financing Receivable, Credit Quality Indicator [Line Items]
Current year			0
Year before current year			0
Two years before current year			0
Three years before current year			0
Four years before current year			0
Five years before current year			1
Revolver Total at Amortized Cost Basis			0
Revolver Total Converted to Term Loans			0
Total loans and leases			1
Commercial portfolio | Commercial real estate
Financing Receivable, Credit Quality Indicator [Line Items]
Current year		1,722	4,314
Year before current year		4,063	3,284
Two years before current year		2,062	1,655
Three years before current year		1,138	1,779
Four years before current year		1,321	919
Five years before current year		1,456	1,169
Revolver Total at Amortized Cost Basis		660	520
Revolver Total Converted to Term Loans		0	0
Total loans and leases		12,422	13,640
Commercial portfolio | Commercial real estate | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Current year		1,395	4,022
Year before current year		3,253	3,115
Two years before current year		1,774	1,562
Three years before current year		1,063	1,662
Four years before current year		1,152	829
Five years before current year		1,288	1,020
Revolver Total at Amortized Cost Basis		585	519
Revolver Total Converted to Term Loans		0	0
Total loans and leases		10,510	12,729
Commercial portfolio | Commercial real estate | OLEM
Financing Receivable, Credit Quality Indicator [Line Items]
Current year		163	61
Year before current year		406	53
Two years before current year		112	1
Three years before current year		65	43
Four years before current year		32	6
Five years before current year		54	9
Revolver Total at Amortized Cost Basis		60	0
Revolver Total Converted to Term Loans		0	0
Total loans and leases		892	173
Commercial portfolio | Commercial real estate | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Current year		164	231
Year before current year		404	116
Two years before current year		176	92
Three years before current year		10	74
Four years before current year		137	84
Five years before current year		114	140
Revolver Total at Amortized Cost Basis		15	1
Revolver Total Converted to Term Loans		0	0
Total loans and leases		1,020	738
Commercial portfolio | Lease financing
Financing Receivable, Credit Quality Indicator [Line Items]
Current year		2,009	2,027
Year before current year		1,372	1,337
Two years before current year		865	1,041
Three years before current year		604	489
Four years before current year		258	201
Five years before current year		120	157
Revolver Total at Amortized Cost Basis		0	0
Revolver Total Converted to Term Loans		0	0
Total loans and leases		5,228	5,252
Commercial portfolio | Lease financing | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Current year		1,973	1,930
Year before current year		1,284	1,291
Two years before current year		828	952
Three years before current year		583	447
Four years before current year		243	186
Five years before current year		106	143
Revolver Total at Amortized Cost Basis		0	0
Revolver Total Converted to Term Loans		0	0
Total loans and leases		5,017	4,949
Commercial portfolio | Lease financing | OLEM
Financing Receivable, Credit Quality Indicator [Line Items]
Current year		16	32
Year before current year		22	9
Two years before current year		6	15
Three years before current year		5	18
Four years before current year		2	6
Five years before current year		9	3
Revolver Total at Amortized Cost Basis		0	0
Revolver Total Converted to Term Loans		0	0
Total loans and leases		60	83
Commercial portfolio | Lease financing | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Current year		20	65
Year before current year		66	37
Two years before current year		31	74
Three years before current year		16	24
Four years before current year		13	9
Five years before current year		5	11
Revolver Total at Amortized Cost Basis		0	0
Revolver Total Converted to Term Loans		0	0
Total loans and leases		151	220
Consumer
Financing Receivable, Credit Quality Indicator [Line Items]
Total loans and leases		53,675	52,510
Consumer | Residential mortgage
Financing Receivable, Credit Quality Indicator [Line Items]
Current year		3,051	5,109
Year before current year		5,066	7,514
Two years before current year		7,074	4,244
Three years before current year		3,866	1,152
Four years before current year		1,020	696
Five years before current year		3,469	3,327
Revolver Total at Amortized Cost Basis		0	0
Revolver Total Converted to Term Loans		0	0
Total loans and leases		23,546	22,042
Consumer | Residential mortgage | 750+
Financing Receivable, Credit Quality Indicator [Line Items]
Current year		2,077	3,666
Year before current year		3,963	6,274
Two years before current year		6,028	3,566
Three years before current year		3,292	846
Four years before current year		749	469
Five years before current year		2,191	2,070
Revolver Total at Amortized Cost Basis		0	0
Revolver Total Converted to Term Loans		0	0
Total loans and leases		18,300	16,891
Consumer | Residential mortgage | 650-749
Financing Receivable, Credit Quality Indicator [Line Items]
Current year		950	1,394
Year before current year		1,024	1,172
Two years before current year		964	617
Three years before current year		510	211
Four years before current year		186	137
Five years before current year		775	777
Revolver Total at Amortized Cost Basis		0	0
Revolver Total Converted to Term Loans		0	0
Total loans and leases		4,409	4,308
Consumer | Residential mortgage | 650
Financing Receivable, Credit Quality Indicator [Line Items]
Current year		24	49
Year before current year		79	68
Two years before current year		82	61
Three years before current year		64	95
Four years before current year		85	90
Five years before current year		503	480
Revolver Total at Amortized Cost Basis		0	0
Revolver Total Converted to Term Loans		0	0
Total loans and leases		837	843
Consumer | Automobile
Financing Receivable, Credit Quality Indicator [Line Items]
Current year		4,232	5,021
Year before current year		3,550	4,072
Two years before current year		2,698	2,099
Three years before current year		1,228	1,259
Four years before current year		599	518
Five years before current year		175	185
Revolver Total at Amortized Cost Basis		0	0
Revolver Total Converted to Term Loans		0	0
Total loans and leases		12,482	13,154
Consumer | Automobile | 750+
Financing Receivable, Credit Quality Indicator [Line Items]
Current year		2,624	2,770
Year before current year		1,964	2,212
Two years before current year		1,525	1,243
Three years before current year		740	777
Four years before current year		367	289
Five years before current year		85	98
Revolver Total at Amortized Cost Basis		0	0
Revolver Total Converted to Term Loans		0	0
Total loans and leases		7,305	7,389
Consumer | Automobile | 650-749
Financing Receivable, Credit Quality Indicator [Line Items]
Current year		1,438	1,944
Year before current year		1,305	1,508
Two years before current year		907	683
Three years before current year		370	367
Four years before current year		168	162
Five years before current year		53	52
Revolver Total at Amortized Cost Basis		0	0
Revolver Total Converted to Term Loans		0	0
Total loans and leases		4,241	4,716
Consumer | Automobile | 650
Financing Receivable, Credit Quality Indicator [Line Items]
Current year		170	307
Year before current year		281	352
Two years before current year		266	173
Three years before current year		118	115
Four years before current year		64	67
Five years before current year		37	35
Revolver Total at Amortized Cost Basis		0	0
Revolver Total Converted to Term Loans		0	0
Total loans and leases		936	1,049
Consumer | Home equity
Financing Receivable, Credit Quality Indicator [Line Items]
Current year		519	597
Year before current year		535	664
Two years before current year		580	682
Three years before current year		594	34
Four years before current year		26	30
Five years before current year		388	474
Revolver Total at Amortized Cost Basis		6,881	7,251
Revolver Total Converted to Term Loans		590	642
Total loans and leases		10,113	10,374
Consumer | Home equity | 750+
Financing Receivable, Credit Quality Indicator [Line Items]
Current year		381	463
Year before current year		429	573
Two years before current year		512	611
Three years before current year		534	23
Four years before current year		17	20
Five years before current year		244	301
Revolver Total at Amortized Cost Basis		4,454	4,787
Revolver Total Converted to Term Loans		233	252
Total loans and leases		6,804	7,030
Consumer | Home equity | 650-749
Financing Receivable, Credit Quality Indicator [Line Items]
Current year		136	131
Year before current year		100	88
Two years before current year		65	68
Three years before current year		57	9
Four years before current year		7	8
Five years before current year		101	122
Revolver Total at Amortized Cost Basis		2,083	2,129
Revolver Total Converted to Term Loans		230	261
Total loans and leases		2,779	2,816
Consumer | Home equity | 650
Financing Receivable, Credit Quality Indicator [Line Items]
Current year		2	3
Year before current year		6	3
Two years before current year		3	3
Three years before current year		3	2
Four years before current year		2	2
Five years before current year		43	51
Revolver Total at Amortized Cost Basis		344	335
Revolver Total Converted to Term Loans		127	129
Total loans and leases		530	528
Consumer | RV and marine
Financing Receivable, Credit Quality Indicator [Line Items]
Current year		1,499	1,443
Year before current year		1,231	1,364
Two years before current year		1,140	946
Three years before current year		764	496
Four years before current year		400	484
Five years before current year		865	643
Revolver Total at Amortized Cost Basis		0	0
Revolver Total Converted to Term Loans		0	0
Total loans and leases		5,899	5,376
Consumer | RV and marine | 750+
Financing Receivable, Credit Quality Indicator [Line Items]
Current year		1,206	1,148
Year before current year		971	1,031
Two years before current year		867	731
Three years before current year		588	361
Four years before current year		295	354
Five years before current year		612	438
Revolver Total at Amortized Cost Basis		0	0
Revolver Total Converted to Term Loans		0	0
Total loans and leases		4,539	4,063
Consumer | RV and marine | 650-749
Financing Receivable, Credit Quality Indicator [Line Items]
Current year		289	290
Year before current year		248	315
Two years before current year		252	200
Three years before current year		158	118
Four years before current year		91	113
Five years before current year		210	169
Revolver Total at Amortized Cost Basis		0	0
Revolver Total Converted to Term Loans		0	0
Total loans and leases		1,248	1,205
Consumer | RV and marine | 650
Financing Receivable, Credit Quality Indicator [Line Items]
Current year		4	5
Year before current year		12	18
Two years before current year		21	15
Three years before current year		18	17
Four years before current year		14	17
Five years before current year		43	36
Revolver Total at Amortized Cost Basis		0	0
Revolver Total Converted to Term Loans		0	0
Total loans and leases		112	108
Consumer | Other consumer
Financing Receivable, Credit Quality Indicator [Line Items]
Current year		288	281
Year before current year		128	97
Two years before current year		59	49
Three years before current year		26	52
Four years before current year		23	18
Five years before current year		61	68
Revolver Total at Amortized Cost Basis		846	781
Revolver Total Converted to Term Loans		30	33
Total loans and leases		1,461	1,379
Consumer | Other consumer | 750+
Financing Receivable, Credit Quality Indicator [Line Items]
Current year		186	207
Year before current year		80	64
Two years before current year		39	35
Three years before current year		19	34
Four years before current year		17	13
Five years before current year		48	52
Revolver Total at Amortized Cost Basis		424	393
Revolver Total Converted to Term Loans		3	3
Total loans and leases		816	801
Consumer | Other consumer | 650-749
Financing Receivable, Credit Quality Indicator [Line Items]
Current year		98	71
Year before current year		43	30
Two years before current year		17	12
Three years before current year		6	15
Four years before current year		5	4
Five years before current year		12	14
Revolver Total at Amortized Cost Basis		383	355
Revolver Total Converted to Term Loans		13	16
Total loans and leases		577	517
Consumer | Other consumer | 650
Financing Receivable, Credit Quality Indicator [Line Items]
Current year		4	3
Year before current year		5	3
Two years before current year		3	2
Three years before current year		1	3
Four years before current year		1	1
Five years before current year		1	2
Revolver Total at Amortized Cost Basis		39	33
Revolver Total Converted to Term Loans		14	14
Total loans and leases		$ 68	$ 61
[1] Amounts represent loans for which Huntington has elected the fair value option. See Note 19 - “ 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	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, term loans gross charge-offs, current fiscal year	$ 34
Financing receivable, term loans gross charge-offs, year before current fiscal year	101
Financing receivable, term loans gross charge-offs, two years before current fiscal year	115
Financing receivable, term loans gross charge-offs, three years before current fiscal year	30
Financing receivable, term loans gross charge-offs, four years before current fiscal year	73
Financing receivable, term loans gross charge-offs, five years before current fiscal year	44
Financing receivable, revolver gross charge-offs	20
Financing receivable, revolver converted to term loans gross charge-offs	37
Financing receivable, term loans gross charge-offs	454	$ 313	$ 382
Consumer portfolio
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, term loans gross charge-offs	184	184	139
Commercial portfolio
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, term loans gross charge-offs	270	$ 129	$ 243
Commercial and industrial | Commercial portfolio
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, term loans gross charge-offs, current fiscal year	9
Financing receivable, term loans gross charge-offs, year before current fiscal year	47
Financing receivable, term loans gross charge-offs, two years before current fiscal year	48
Financing receivable, term loans gross charge-offs, three years before current fiscal year	14
Financing receivable, term loans gross charge-offs, four years before current fiscal year	33
Financing receivable, term loans gross charge-offs, five years before current fiscal year	13
Financing receivable, revolver gross charge-offs	11
Financing receivable, revolver converted to term loans gross charge-offs	2
Financing receivable, term loans gross charge-offs	177
Commercial real estate | Commercial portfolio
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, term loans gross charge-offs, current fiscal year	8
Financing receivable, term loans gross charge-offs, year before current fiscal year	9
Financing receivable, term loans gross charge-offs, two years before current fiscal year	31
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	26
Financing receivable, term loans gross charge-offs, five years before current fiscal year	4
Financing receivable, revolver gross charge-offs	7
Financing receivable, revolver converted to term loans gross charge-offs	0
Financing receivable, term loans gross charge-offs	85
Lease financing | Commercial portfolio
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	4
Financing receivable, term loans gross charge-offs, two years before current fiscal year	2
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	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	8
Residential mortgage | Consumer portfolio
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	4
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	5
Automobile | Consumer portfolio
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, term loans gross charge-offs, current fiscal year	3
Financing receivable, term loans gross charge-offs, year before current fiscal year	16
Financing receivable, term loans gross charge-offs, two years before current fiscal year	16
Financing receivable, term loans gross charge-offs, three years before current fiscal year	7
Financing receivable, term loans gross charge-offs, four years before current fiscal year	5
Financing receivable, term loans gross charge-offs, five years before current fiscal year	3
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	50
Residential mortgage | Consumer portfolio
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	2
Financing receivable, revolver converted to term loans gross charge-offs	6
Financing receivable, term loans gross charge-offs	9
RV and marine | Consumer portfolio
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	2
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	3
Financing receivable, term loans gross charge-offs, four years before current fiscal year	3
Financing receivable, term loans gross charge-offs, five years before current fiscal year	7
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
Other consumer | Consumer portfolio
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, term loans gross charge-offs, current fiscal year	14
Financing receivable, term loans gross charge-offs, year before current fiscal year	23
Financing receivable, term loans gross charge-offs, two years before current fiscal year	13
Financing receivable, term loans gross charge-offs, three years before current fiscal year	5
Financing receivable, term loans gross charge-offs, four years before current fiscal year	5
Financing receivable, term loans gross charge-offs, five years before current fiscal year	12
Financing receivable, revolver gross charge-offs	0
Financing receivable, revolver converted to term loans gross charge-offs	29
Financing receivable, term loans gross charge-offs	$ 101

LOANS AND LEASES - Modification

LOANS AND LEASES - Modifications (Details) $ in Millions	12 Months Ended
	Dec. 31, 2023 USD ($)
Financing Receivable, Modified [Line Items]
Total	$ 705
% of total loan class	0.58%
30-59 Days
Financing Receivable, Modified [Line Items]
Total	$ 33
60-89 Days
Financing Receivable, Modified [Line Items]
Total	35
90 or more days
Financing Receivable, Modified [Line Items]
Total	24
Total
Financing Receivable, Modified [Line Items]
Total	92
Current
Financing Receivable, Modified [Line Items]
Total	613
RV and marine
Financing Receivable, Modified [Line Items]
Total	$ 1
% of total loan class	0.02%
Commercial portfolio | Commercial and industrial
Financing Receivable, Modified [Line Items]
Total	$ 455
% of total loan class	0.90%
Commercial portfolio | Commercial and industrial | 30-59 Days
Financing Receivable, Modified [Line Items]
Total	$ 21
Commercial portfolio | Commercial and industrial | 60-89 Days
Financing Receivable, Modified [Line Items]
Total	25
Commercial portfolio | Commercial and industrial | 90 or more days
Financing Receivable, Modified [Line Items]
Total	7
Commercial portfolio | Commercial and industrial | Total
Financing Receivable, Modified [Line Items]
Total	53
Commercial portfolio | Commercial and industrial | Current
Financing Receivable, Modified [Line Items]
Total	402
Commercial portfolio | Commercial real estate
Financing Receivable, Modified [Line Items]
Total	$ 157
% of total loan class	1.26%
Commercial portfolio | Commercial real estate | 30-59 Days
Financing Receivable, Modified [Line Items]
Total	$ 0
Commercial portfolio | Commercial real estate | 60-89 Days
Financing Receivable, Modified [Line Items]
Total	0
Commercial portfolio | Commercial real estate | 90 or more days
Financing Receivable, Modified [Line Items]
Total	5
Commercial portfolio | Commercial real estate | Total
Financing Receivable, Modified [Line Items]
Total	5
Commercial portfolio | Commercial real estate | Current
Financing Receivable, Modified [Line Items]
Total	152
Commercial portfolio | Other consumer
Financing Receivable, Modified [Line Items]
Total	$ 1
% of total loan class	0.07%
Consumer portfolio | Residential mortgage
Financing Receivable, Modified [Line Items]
Total	$ 64
% of total loan class	0.27%
Consumer portfolio | Residential mortgage | 30-59 Days
Financing Receivable, Modified [Line Items]
Total	$ 9
Consumer portfolio | Residential mortgage | 60-89 Days
Financing Receivable, Modified [Line Items]
Total	8
Consumer portfolio | Residential mortgage | 90 or more days
Financing Receivable, Modified [Line Items]
Total	11
Consumer portfolio | Residential mortgage | Total
Financing Receivable, Modified [Line Items]
Total	28
Consumer portfolio | Residential mortgage | Current
Financing Receivable, Modified [Line Items]
Total	36
Consumer portfolio | Automobile
Financing Receivable, Modified [Line Items]
Total	$ 15
% of total loan class	0.12%
Consumer portfolio | Automobile | 30-59 Days
Financing Receivable, Modified [Line Items]
Total	$ 2
Consumer portfolio | Automobile | 60-89 Days
Financing Receivable, Modified [Line Items]
Total	1
Consumer portfolio | Automobile | 90 or more days
Financing Receivable, Modified [Line Items]
Total	0
Consumer portfolio | Automobile | Total
Financing Receivable, Modified [Line Items]
Total	3
Consumer portfolio | Automobile | Current
Financing Receivable, Modified [Line Items]
Total	12
Consumer portfolio | Residential mortgage
Financing Receivable, Modified [Line Items]
Total	$ 12
% of total loan class	0.12%
Consumer portfolio | Residential mortgage | 30-59 Days
Financing Receivable, Modified [Line Items]
Total	$ 1
Consumer portfolio | Residential mortgage | 60-89 Days
Financing Receivable, Modified [Line Items]
Total	1
Consumer portfolio | Residential mortgage | 90 or more days
Financing Receivable, Modified [Line Items]
Total	1
Consumer portfolio | Residential mortgage | Total
Financing Receivable, Modified [Line Items]
Total	3
Consumer portfolio | Residential mortgage | Current
Financing Receivable, Modified [Line Items]
Total	9
Consumer portfolio | RV and marine
Financing Receivable, Modified [Line Items]
Total	1
Consumer portfolio | RV and marine | 30-59 Days
Financing Receivable, Modified [Line Items]
Total	0
Consumer portfolio | RV and marine | 60-89 Days
Financing Receivable, Modified [Line Items]
Total	0
Consumer portfolio | RV and marine | 90 or more days
Financing Receivable, Modified [Line Items]
Total	0
Consumer portfolio | RV and marine | Total
Financing Receivable, Modified [Line Items]
Total	0
Consumer portfolio | RV and marine | Current
Financing Receivable, Modified [Line Items]
Total	1
Consumer portfolio | Other consumer
Financing Receivable, Modified [Line Items]
Total	1
Consumer portfolio | Other consumer | 30-59 Days
Financing Receivable, Modified [Line Items]
Total	0
Consumer portfolio | Other consumer | 60-89 Days
Financing Receivable, Modified [Line Items]
Total	0
Consumer portfolio | Other consumer | 90 or more days
Financing Receivable, Modified [Line Items]
Total	0
Consumer portfolio | Other consumer | Total
Financing Receivable, Modified [Line Items]
Total	0
Consumer portfolio | Other consumer | Current
Financing Receivable, Modified [Line Items]
Total	1
Interest rate concession
Financing Receivable, Modified [Line Items]
Total	67
Interest rate concession | RV and marine
Financing Receivable, Modified [Line Items]
Total	0
Interest rate concession | Commercial portfolio | Commercial and industrial
Financing Receivable, Modified [Line Items]
Total	$ 64
Interest rate concession | Commercial portfolio | Commercial and industrial | Minimum
Financing Receivable, Modified [Line Items]
Weighted-average contractual interest rate	8.62%
Interest rate concession | Commercial portfolio | Commercial and industrial | Maximum
Financing Receivable, Modified [Line Items]
Weighted-average contractual interest rate	8.05%
Interest rate concession | Commercial portfolio | Commercial real estate
Financing Receivable, Modified [Line Items]
Total	$ 2
Interest rate concession | Commercial portfolio | Commercial real estate | Minimum
Financing Receivable, Modified [Line Items]
Weighted-average contractual interest rate	13.42%
Interest rate concession | Commercial portfolio | Commercial real estate | Maximum
Financing Receivable, Modified [Line Items]
Weighted-average contractual interest rate	8.75%
Interest rate concession | Commercial portfolio | Other consumer
Financing Receivable, Modified [Line Items]
Total	$ 1
Interest rate concession | Consumer portfolio | Residential mortgage
Financing Receivable, Modified [Line Items]
Total	$ 0
Interest rate concession | Consumer portfolio | Residential mortgage | Minimum
Financing Receivable, Modified [Line Items]
Weighted-average contractual interest rate	6.32%
Interest rate concession | Consumer portfolio | Residential mortgage | Maximum
Financing Receivable, Modified [Line Items]
Weighted-average contractual interest rate	4.64%
Interest rate concession | Consumer portfolio | Automobile
Financing Receivable, Modified [Line Items]
Total	$ 0
Interest rate concession | Consumer portfolio | Automobile | Minimum
Financing Receivable, Modified [Line Items]
Weighted-average contractual interest rate	6.60%
Interest rate concession | Consumer portfolio | Automobile | Maximum
Financing Receivable, Modified [Line Items]
Weighted-average contractual interest rate	6.26%
Interest rate concession | Consumer portfolio | Residential mortgage
Financing Receivable, Modified [Line Items]
Total	$ 0
Interest rate concession | Consumer portfolio | Residential mortgage | Minimum
Financing Receivable, Modified [Line Items]
Weighted-average contractual interest rate	8.88%
Interest rate concession | Consumer portfolio | Residential mortgage | Maximum
Financing Receivable, Modified [Line Items]
Weighted-average contractual interest rate	6.15%
Amortization or maturity date concession
Financing Receivable, Modified [Line Items]
Total	$ 613
Amortization or maturity date concession | RV and marine
Financing Receivable, Modified [Line Items]
Total	1
Amortization or maturity date concession | Commercial portfolio | Commercial and industrial
Financing Receivable, Modified [Line Items]
Total	$ 387
Weighted-average years added to the life	1 year
Amortization or maturity date concession | Commercial portfolio | Commercial real estate
Financing Receivable, Modified [Line Items]
Total	$ 151
Weighted-average years added to the life	1 year
Amortization or maturity date concession | Commercial portfolio | Other consumer
Financing Receivable, Modified [Line Items]
Total	$ 0
Amortization or maturity date concession | Consumer portfolio | Residential mortgage
Financing Receivable, Modified [Line Items]
Total	$ 58
Weighted-average years added to the life	7 years 8 months 12 days
Amortization or maturity date concession | Consumer portfolio | Automobile
Financing Receivable, Modified [Line Items]
Total	$ 14
Weighted-average years added to the life	1 year 10 months 24 days
Amortization or maturity date concession | Consumer portfolio | Residential mortgage
Financing Receivable, Modified [Line Items]
Total	$ 2
Weighted-average years added to the life	14 years 7 months 6 days
Payment deferral
Financing Receivable, Modified [Line Items]
Total	$ 2
Payment deferral | RV and marine
Financing Receivable, Modified [Line Items]
Total	0
Payment deferral | Commercial portfolio | Commercial and industrial
Financing Receivable, Modified [Line Items]
Total	0
Payment deferral | Commercial portfolio | Commercial real estate
Financing Receivable, Modified [Line Items]
Total	0
Payment deferral | Commercial portfolio | Other consumer
Financing Receivable, Modified [Line Items]
Total	0
Payment deferral | Consumer portfolio | Residential mortgage
Financing Receivable, Modified [Line Items]
Total	2
Payment deferral | Consumer portfolio | Automobile
Financing Receivable, Modified [Line Items]
Total	0
Payment deferral | Consumer portfolio | Residential mortgage
Financing Receivable, Modified [Line Items]
Total	0
Combo - interest rate reduction and term extension
Financing Receivable, Modified [Line Items]
Total	23
Combo - interest rate reduction and term extension | RV and marine
Financing Receivable, Modified [Line Items]
Total	0
Combo - interest rate reduction and term extension | Commercial portfolio | Commercial and industrial
Financing Receivable, Modified [Line Items]
Total	4
Combo - interest rate reduction and term extension | Commercial portfolio | Commercial real estate
Financing Receivable, Modified [Line Items]
Total	4
Combo - interest rate reduction and term extension | Commercial portfolio | Other consumer
Financing Receivable, Modified [Line Items]
Total	0
Combo - interest rate reduction and term extension | Consumer portfolio | Residential mortgage
Financing Receivable, Modified [Line Items]
Total	4
Combo - interest rate reduction and term extension | Consumer portfolio | Automobile
Financing Receivable, Modified [Line Items]
Total	1
Combo - interest rate reduction and term extension | Consumer portfolio | Residential mortgage
Financing Receivable, Modified [Line Items]
Total	$ 10

LOANS AND LEASES - TDRs (Detail

LOANS AND LEASES - TDRs (Details) $ in Millions	12 Months Ended
	Dec. 31, 2022 USD ($) contract
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of Contracts | contract	4,005
Post-modification Outstanding Recorded Investment	$ 408
Interest rate concession
Accounts, Notes, Loans and Financing Receivable [Line Items]
Post-modification Outstanding Recorded Investment	154
Amortization or maturity date concession
Accounts, Notes, Loans and Financing Receivable [Line Items]
Post-modification Outstanding Recorded Investment	225
Chapter 7 bankruptcy
Accounts, Notes, Loans and Financing Receivable [Line Items]
Post-modification Outstanding Recorded Investment	13
Other
Accounts, Notes, Loans and Financing Receivable [Line Items]
Post-modification Outstanding Recorded Investment	$ 16
Commercial portfolio | Commercial and industrial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of Contracts | contract	313
Post-modification Outstanding Recorded Investment	$ 169
Commercial portfolio | Commercial and industrial | Interest rate concession
Accounts, Notes, Loans and Financing Receivable [Line Items]
Post-modification Outstanding Recorded Investment	92
Commercial portfolio | Commercial and industrial | Amortization or maturity date concession
Accounts, Notes, Loans and Financing Receivable [Line Items]
Post-modification Outstanding Recorded Investment	62
Commercial portfolio | Commercial and industrial | Chapter 7 bankruptcy
Accounts, Notes, Loans and Financing Receivable [Line Items]
Post-modification Outstanding Recorded Investment	0
Commercial portfolio | Commercial and industrial | Other
Accounts, Notes, Loans and Financing Receivable [Line Items]
Post-modification Outstanding Recorded Investment	$ 15
Commercial portfolio | Commercial real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of Contracts | contract	26
Post-modification Outstanding Recorded Investment	$ 89
Commercial portfolio | Commercial real estate | Interest rate concession
Accounts, Notes, Loans and Financing Receivable [Line Items]
Post-modification Outstanding Recorded Investment	62
Commercial portfolio | Commercial real estate | Amortization or maturity date concession
Accounts, Notes, Loans and Financing Receivable [Line Items]
Post-modification Outstanding Recorded Investment	27
Commercial portfolio | Commercial real estate | Chapter 7 bankruptcy
Accounts, Notes, Loans and Financing Receivable [Line Items]
Post-modification Outstanding Recorded Investment	0
Commercial portfolio | Commercial real estate | Other
Accounts, Notes, Loans and Financing Receivable [Line Items]
Post-modification Outstanding Recorded Investment	$ 0
Consumer portfolio | Residential mortgage
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of Contracts | contract	806
Post-modification Outstanding Recorded Investment	$ 114
Consumer portfolio | Residential mortgage | Interest rate concession
Accounts, Notes, Loans and Financing Receivable [Line Items]
Post-modification Outstanding Recorded Investment	0
Consumer portfolio | Residential mortgage | Amortization or maturity date concession
Accounts, Notes, Loans and Financing Receivable [Line Items]
Post-modification Outstanding Recorded Investment	109
Consumer portfolio | Residential mortgage | Chapter 7 bankruptcy
Accounts, Notes, Loans and Financing Receivable [Line Items]
Post-modification Outstanding Recorded Investment	5
Consumer portfolio | Residential mortgage | Other
Accounts, Notes, Loans and Financing Receivable [Line Items]
Post-modification Outstanding Recorded Investment	$ 0
Consumer portfolio | Automobile
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of Contracts | contract	2,368
Post-modification Outstanding Recorded Investment	$ 20
Consumer portfolio | Automobile | Interest rate concession
Accounts, Notes, Loans and Financing Receivable [Line Items]
Post-modification Outstanding Recorded Investment	0
Consumer portfolio | Automobile | Amortization or maturity date concession
Accounts, Notes, Loans and Financing Receivable [Line Items]
Post-modification Outstanding Recorded Investment	17
Consumer portfolio | Automobile | Chapter 7 bankruptcy
Accounts, Notes, Loans and Financing Receivable [Line Items]
Post-modification Outstanding Recorded Investment	3
Consumer portfolio | Automobile | Other
Accounts, Notes, Loans and Financing Receivable [Line Items]
Post-modification Outstanding Recorded Investment	$ 0
Consumer portfolio | Home equity
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of Contracts | contract	228
Post-modification Outstanding Recorded Investment	$ 12
Consumer portfolio | Home equity | Interest rate concession
Accounts, Notes, Loans and Financing Receivable [Line Items]
Post-modification Outstanding Recorded Investment	0
Consumer portfolio | Home equity | Amortization or maturity date concession
Accounts, Notes, Loans and Financing Receivable [Line Items]
Post-modification Outstanding Recorded Investment	8
Consumer portfolio | Home equity | Chapter 7 bankruptcy
Accounts, Notes, Loans and Financing Receivable [Line Items]
Post-modification Outstanding Recorded Investment	4
Consumer portfolio | Home equity | Other
Accounts, Notes, Loans and Financing Receivable [Line Items]
Post-modification Outstanding Recorded Investment	$ 0
Consumer portfolio | RV and marine
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of Contracts | contract	137
Post-modification Outstanding Recorded Investment	$ 3
Consumer portfolio | RV and marine | Interest rate concession
Accounts, Notes, Loans and Financing Receivable [Line Items]
Post-modification Outstanding Recorded Investment	0
Consumer portfolio | RV and marine | Amortization or maturity date concession
Accounts, Notes, Loans and Financing Receivable [Line Items]
Post-modification Outstanding Recorded Investment	2
Consumer portfolio | RV and marine | Chapter 7 bankruptcy
Accounts, Notes, Loans and Financing Receivable [Line Items]
Post-modification Outstanding Recorded Investment	1
Consumer portfolio | RV and marine | Other
Accounts, Notes, Loans and Financing Receivable [Line Items]
Post-modification Outstanding Recorded Investment	$ 0
Consumer portfolio | Other consumer
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of Contracts | contract	127
Post-modification Outstanding Recorded Investment	$ 1
Consumer portfolio | Other consumer | Interest rate concession
Accounts, Notes, Loans and Financing Receivable [Line Items]
Post-modification Outstanding Recorded Investment	0
Consumer portfolio | Other consumer | Amortization or maturity date concession
Accounts, Notes, Loans and Financing Receivable [Line Items]
Post-modification Outstanding Recorded Investment	0
Consumer portfolio | Other consumer | Chapter 7 bankruptcy
Accounts, Notes, Loans and Financing Receivable [Line Items]
Post-modification Outstanding Recorded Investment	0
Consumer portfolio | Other consumer | Other
Accounts, Notes, Loans and Financing Receivable [Line Items]
Post-modification Outstanding Recorded Investment	$ 1

LOANS AND LEASES - Narrative (D

LOANS AND LEASES - Narrative (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Accounts, Notes, Loans and Financing Receivable [Line Items]
Residual values guaranteed	$ 478	$ 466
Future lease rental payments due	5,000
Future lease rental payments due, in 2023	810
Future lease rental payments due, in 2024	749
Future lease rental payments due, in 2025	704
Future lease rental payments due, in 2026	752
Future lease rental payments due, in 2027	766
Future lease rental payments due, after 2027	1,200
Interest income	287	249	$ 193
Interest income for NAL loans	21	23	$ 10
Collateral for secured loans	$ 101,800	$ 70,900

ALLOWANCE FOR CREDIT LOSSES - A

ALLOWANCE FOR CREDIT LOSSES - Allowance for Credit Losses (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Financing Receivable, Allowance for Credit Loss [Roll Forward]
ALLL balance, beginning of period	$ 2,121	$ 2,030	$ 1,814
Loan and lease charge-offs	(454)	(313)	(382)
Recoveries of loans and leases previously charged-off	181	192	167
Provision (benefit) for loan and lease losses	407	212	(1)
Allowance on PCD loans and leases at acquisition			432
ALLL balance, end of period	2,255	2,121	2,030
AULC balance, beginning of period	150	77	52
Provision for unfunded lending commitments	(5)	73	26
Unfunded lending commitment losses			(1)
AULC balance, end of period	145	150	77
ACL balance, end of period	2,400	2,271	2,107
Increase in allowance for credit loss	129
Commercial
Financing Receivable, Allowance for Credit Loss [Roll Forward]
ALLL balance, beginning of period	1,424	1,462	1,236
Loan and lease charge-offs	(270)	(129)	(243)
Recoveries of loans and leases previously charged-off	112	114	83
Provision (benefit) for loan and lease losses	297	(23)	12
Allowance on PCD loans and leases at acquisition			374
ALLL balance, end of period	1,563	1,424	1,462
AULC balance, beginning of period	71	41	34
Provision for unfunded lending commitments	(5)	30	8
Unfunded lending commitment losses			(1)
AULC balance, end of period	66	71	41
ACL balance, end of period	1,629	1,495	1,503
Increase in allowance for credit loss	134
Loan growth	1,300
Consumer
Financing Receivable, Allowance for Credit Loss [Roll Forward]
ALLL balance, beginning of period	697	568	578
Loan and lease charge-offs	(184)	(184)	(139)
Recoveries of loans and leases previously charged-off	69	78	84
Provision (benefit) for loan and lease losses	110	235	(13)
Allowance on PCD loans and leases at acquisition			58
ALLL balance, end of period	692	697	568
AULC balance, beginning of period	79	36	18
Provision for unfunded lending commitments	0	43	18
Unfunded lending commitment losses			0
AULC balance, end of period	79	79	36
ACL balance, end of period	$ 771	$ 776	$ 604

MORTGAGE LOAN SALES AND SERVI_3

MORTGAGE LOAN SALES AND SERVICING RIGHTS - Residential Mortgage Portfolio (Details) - Residential mortgage - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Securitization or Asset-backed Financing Arrangement, Financial Asset for which Transfer is Accounted as Sale [Line Items]
Residential mortgage loans sold with servicing retained	$ 4,109	$ 5,686	$ 9,702
Pretax gains resulting from above loan sales	$ 58	$ 137	$ 356

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	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
Servicing Asset at Fair Value, Amount [Roll Forward]
Fair value, beginning of year	$ 494	$ 351
New servicing assets created	63	85
Servicing assets sold	(1)	0
Time decay	(24)	(22)
Payoffs	(24)	(34)
Changes in valuation inputs or assumptions	7	114
Fair value, end of year	$ 515	$ 494

MORTGAGE LOAN SALES AND SERVI_5

MORTGAGE LOAN SALES AND SERVICING RIGHTS - Residential Mortgage Portfolio, MSRs Fair Value Method Assumptions (Details) - Residential mortgage - Sensitivity Analysis Fair Value Carrying Method - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
Sensitivity Analysis of Fair Value of Interests Continued to be Held by Transferor, Servicing Assets or Liabilities, Impact of Adverse Change in Assumption [Line Items]
Constant prepayment rate (annualized)	8.61%	7.05%
Constant prepayment rate (annualized), Decline in fair value due to 10% adverse change	$ (15)	$ (13)
Constant prepayment rate (annualized), Decline in fair value due to 20% adverse change	$ (28)	$ (25)
Spread over forward interest rate swap rates	5.38%	5.78%
Spread over forward interest rate swap rates, Decline in fair value due to 10% adverse change	$ (11)	$ (12)
Spread over forward interest rate swap rates, Decline in fair value due to 20% adverse change	$ (22)	$ (22)

MORTGAGE LOAN SALES AND SERVI_6

MORTGAGE LOAN SALES AND SERVICING RIGHTS - Narrative (Details) - Residential mortgage - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Contractually Specified Servicing Fees, Late Fees, and Ancillary Fees Earned in Exchange for Servicing Financial Assets [Line Items]
Servicing, late and other ancillary fees included in mortgage banking income	$ 98	$ 91	$ 79
Unpaid principal balance of third party serviced loans	$ 33,200	$ 32,400	$ 31,000

GOODWILL AND OTHER INTANGIBLE_3

GOODWILL AND OTHER INTANGIBLE ASSETS - Schedule of Goodwill (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
Goodwill by business segment
Beginning Balance	$ 5,571	$ 5,349
Acquisitions		222
RPS sale	(10)
Ending Balance	5,561	5,571
Operating Segments | Consumer & Regional Banking
Goodwill by business segment
Beginning Balance	3,650	3,650
Acquisitions		0
RPS sale	(10)
Ending Balance	3,640	3,650
Operating Segments | Commercial Banking
Goodwill by business segment
Beginning Balance	1,921	1,699
Acquisitions		222
RPS sale	0
Ending Balance	$ 1,921	$ 1,921

GOODWILL AND OTHER INTANGIBLE_4

GOODWILL AND OTHER INTANGIBLE ASSETS - Schedule of Other Intangible Assets (Details) - USD ($) $ in Millions	Dec. 31, 2023	Dec. 31, 2022
Finite-Lived Intangible Assets [Line Items]
Total other intangible assets, gross carrying amount	$ 477	$ 492
Total other intangible assets, accumulated amortization	(334)	(297)
Total other intangible assets, net of carrying value	143	195
Core deposit intangible
Finite-Lived Intangible Assets [Line Items]
Total other intangible assets, gross carrying amount	385	385
Total other intangible assets, accumulated amortization	(259)	(216)
Total other intangible assets, net of carrying value	126	169
Customer relationship
Finite-Lived Intangible Assets [Line Items]
Total other intangible assets, gross carrying amount	92	107
Total other intangible assets, accumulated amortization	(75)	(81)
Total other intangible assets, net of carrying value	$ 17	$ 26

GOODWILL AND OTHER INTANGIBLE_5

GOODWILL AND OTHER INTANGIBLE ASSETS - Future Amortization of Intangible Assets (Details) $ in Millions	Dec. 31, 2023 USD ($)
Goodwill and Intangible Assets Disclosure [Abstract]
2024	$ 47
2025	43
2026	29
2027	9
2028	$ 6

GOODWILL AND OTHER INTANGIBLE_6

GOODWILL AND OTHER INTANGIBLE ASSETS - Narrative (Details) $ in Millions	3 Months Ended	12 Months Ended
	Jun. 30, 2023 business_unit	Dec. 31, 2023 USD ($) segment	Dec. 31, 2022 USD ($)
Goodwill and Intangible Assets Disclosure [Abstract]
Number of reportable segments	2	2
Impairment of goodwill		$ 0	$ 0

PREMISES AND EQUIPMENT (Details

PREMISES AND EQUIPMENT (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Property, Plant and Equipment, Net, by Type [Abstract]
Total premises and equipment	$ 2,293	$ 2,278
Less accumulated depreciation and amortization	(1,184)	(1,122)
Net premises and equipment	1,109	1,156
Property Plant and Equipment Income Statement Disclosures [Abstract]
Total depreciation and amortization of premises and equipment	167	182	$ 178
Land and land improvements
Property, Plant and Equipment, Net, by Type [Abstract]
Total premises and equipment	343	337
Buildings
Property, Plant and Equipment, Net, by Type [Abstract]
Total premises and equipment	789	776
Leasehold improvements
Property, Plant and Equipment, Net, by Type [Abstract]
Total premises and equipment	262	269
Equipment
Property, Plant and Equipment, Net, by Type [Abstract]
Total premises and equipment	$ 899	$ 896

OPERATING LEASES Net Operating

OPERATING LEASES Net Operating Lease Assets and Liabilities (Details) - USD ($) $ in Millions	Dec. 31, 2023	Dec. 31, 2022
Leases [Abstract]
Operating Lease, Right-of-Use Asset	$ 265	$ 279
Operating Lease, Right-of-Use Asset, Statement of Financial Position [Extensible Enumeration]	Other assets	Other assets
Total lease liabilities	$ 379	$ 401
Operating Lease, Liability, Statement of Financial Position [Extensible Enumeration]	Other Liabilities	Other Liabilities

OPERATING LEASES Lease Cost (De

OPERATING LEASES Lease Cost (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
Leases [Abstract]
Operating lease cost	$ 68	$ 81
Short-term lease cost	1	2
Net lease cost	$ 69	$ 83

OPERATING LEASES Maturity of Le

OPERATING LEASES Maturity of Lease Liabilities (Details) - USD ($) $ in Millions	Dec. 31, 2023	Dec. 31, 2022
Leases [Abstract]
2024	$ 66
2025	66
2026	51
2027	43
2028	36
Thereafter	251
Total lease payments	513
Less: Interest	(134)
Total lease liabilities	$ 379	$ 401

OPERATING LEASES Lease Cost and

OPERATING LEASES Lease Cost and Discount Rate (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
Leases [Abstract]
Cash paid for amounts included in the measurement of lease liabilities for operating cash flows	$ (77)	$ (80)
Right-of-use assets obtained in exchange for lease obligations for operating leases	$ 37	$ 22
Weighted-average remaining lease term (years) for operating leases	11 years 3 months 18 days	11 years 5 months 23 days
Weighted-average discount rate for operating leases	4.93%	4.64%

BORROWINGS - Schedule of Short-

BORROWINGS - Schedule of Short-Term Debt (Details) - USD ($) $ in Millions	Dec. 31, 2023	Dec. 31, 2022
Short-term Debt [Line Items]
Total short-term borrowings	$ 620	$ 2,027
Federal funds purchased and securities sold under agreements to repurchase
Short-term Debt [Line Items]
Total short-term borrowings	618	253
Other borrowings
Short-term Debt [Line Items]
Total short-term borrowings	2	74
Federal Home Loan Bank Advances
Short-term Debt [Line Items]
Total short-term borrowings	$ 0	$ 1,700

BORROWINGS - Schedule of Long-T

BORROWINGS - Schedule of Long-Term Debt and Debt Issuances (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
Debt Instrument [Line Items]
Long-term debt	$ 12,394	$ 9,686
Senior Notes | 3.60% Huntington National Bank senior notes due 2023
Debt Instrument [Line Items]
Long-term debt	$ 0	735
Effective rate	3.60%
Senior Notes | 6.66% Huntington National Bank senior notes due 2025
Debt Instrument [Line Items]
Long-term debt	$ 278	299
Effective rate	6.66%
Senior Notes | 4.11% Huntington National Bank senior notes due 2025
Debt Instrument [Line Items]
Long-term debt	$ 467	486
Effective rate	4.11%
Senior Notes | 5.81% Huntington National Bank senior notes due 2025
Debt Instrument [Line Items]
Long-term debt	$ 1,060	1,094
Effective rate	5.81%
Senior Notes | 4.55% Huntington National Bank senior notes due 2028
Debt Instrument [Line Items]
Long-term debt	$ 776	766
Effective rate	4.55%
Senior Notes | 5.76% Huntington National Bank senior notes due 2030
Debt Instrument [Line Items]
Long-term debt	$ 899	892
Effective rate	5.76%
Subordinated Notes
Debt Instrument [Line Items]
Long-term debt	$ 4,142	4,923
Subordinated Notes | Huntington National Bank subordinated notes due 2025
Debt Instrument [Line Items]
Long-term debt	$ 129	129
Effective rate	0.96%
Subordinated Notes | Huntington National Bank subordinated notes due 2026
Debt Instrument [Line Items]
Long-term debt	$ 223	218
Effective rate	3.86%
Subordinated Notes | Huntington National Bank subordinated notes due 2029
Debt Instrument [Line Items]
Long-term debt	$ 156	153
Effective rate	3.03%
Subordinated Notes | Huntington National Bank subordinated notes due 2030
Debt Instrument [Line Items]
Long-term debt	$ 154	151
Effective rate	3.75%
Federal Home Loan Bank advances
Debt Instrument [Line Items]
Long-term debt	$ 2,731	211
Effective rate	4.21%
Other borrowings | Huntington Technology Finance nonrecourse debt, 5.38% weighted average interest rate, varying maturities
Debt Instrument [Line Items]
Long-term debt	$ 343	337
Effective rate	5.38%
Other borrowings | 6.65% Huntington Preferred Capital II - Class G securities
Debt Instrument [Line Items]
Long-term debt	$ 0	50
Effective rate	6.65%
Other borrowings | Huntington Preferred Capital II - Class I securities
Debt Instrument [Line Items]
Long-term debt	$ 50	50
Effective rate	7.64%
Other borrowings | Huntington Preferred Capital II - Class J securities
Debt Instrument [Line Items]
Long-term debt	$ 75	75
Effective rate	8.24%
Other borrowings | Huntington Preferred Capital II - Class L securities
Debt Instrument [Line Items]
Long-term debt	$ 60	60
Effective rate	8.74%
Parent Company
Debt Instrument [Line Items]
Long-term debt	$ 4,993	3,980
Parent Company | Senior Notes | 2.67% Huntington Bancshares Incorporated senior notes due 2024
Debt Instrument [Line Items]
Long-term debt	$ 719	762
Effective rate	2.67%
Parent Company | Senior Notes | 4.05% Huntington Bancshares Incorporated senior notes due 2025
Debt Instrument [Line Items]
Long-term debt	$ 457	481
Effective rate	4.05%
Parent Company | Senior Notes | 4.51% Huntington Bancshares Incorporated senior notes due 2028
Debt Instrument [Line Items]
Long-term debt	$ 716	704
Effective rate	4.51%
Parent Company | Senior Notes | 6.29% Huntington Bancshares Incorporated senior notes due 2029
Debt Instrument [Line Items]
Long-term debt	$ 1,266	0
Effective rate	6.29%
Parent Company | Senior Notes | 2.60% Huntington Bancshares Incorporated senior notes due 2030
Debt Instrument [Line Items]
Long-term debt	$ 692	679
Effective rate	2.60%
Parent Company | Senior Notes | 5.08% Huntington Bancshares Incorporated senior notes due 2033
Debt Instrument [Line Items]
Long-term debt	$ 383	379
Effective rate	5.08%
Parent Company | Subordinated Notes | 3.55% Huntington Bancshares Incorporated subordinated notes due 2023
Debt Instrument [Line Items]
Long-term debt	$ 0	225
Effective rate	3.55%
Parent Company | Subordinated Notes | Huntington Capital I Trust Preferred 6.34% junior subordinated debentures due 2027
Debt Instrument [Line Items]
Long-term debt	$ 69	69
Effective rate	6.34%
Parent Company | Subordinated Notes | Huntington Capital II Trust Preferred 6.27% junior subordinated debentures due 2028
Debt Instrument [Line Items]
Long-term debt	$ 32	32
Effective rate	6.27%
Parent Company | Subordinated Notes | Sky Financial Capital Trust III 7.04% junior subordinated debentures due 2036
Debt Instrument [Line Items]
Long-term debt	$ 72	72
Effective rate	7.04%
Parent Company | Subordinated Notes | Sky Financial Capital Trust IV 7.04% junior subordinated debentures due 2036
Debt Instrument [Line Items]
Long-term debt	$ 74	74
Effective rate	7.04%
Parent Company | Subordinated Notes | 2.49% Huntington Bancshares Incorporated subordinated notes due 2036
Debt Instrument [Line Items]
Long-term debt	$ 1	1
Effective rate	2.49%
Parent Company | Subordinated Notes | 2.53% Huntington Bancshares Incorporated subordinated notes due 2036
Debt Instrument [Line Items]
Long-term debt	$ 512	$ 502
Effective rate	2.53%
Parent Company | Subordinated Notes | SOFR | Huntington Capital I Trust Preferred 6.34% junior subordinated debentures due 2027
Debt Instrument [Line Items]
Basis spread on variable rate	0.96%
Parent Company | Subordinated Notes | SOFR | Huntington Capital II Trust Preferred 6.27% junior subordinated debentures due 2028
Debt Instrument [Line Items]
Basis spread on variable rate	0.866%
Parent Company | Subordinated Notes | SOFR | Sky Financial Capital Trust III 7.04% junior subordinated debentures due 2036
Debt Instrument [Line Items]
Basis spread on variable rate	1.66%
Parent Company | Subordinated Notes | SOFR | Sky Financial Capital Trust IV 7.04% junior subordinated debentures due 2036
Debt Instrument [Line Items]
Basis spread on variable rate	1.66%
Parent Company | Subordinated Notes | SOFR | Huntington Preferred Capital II - Class I securities
Debt Instrument [Line Items]
Basis spread on variable rate	2%
Parent Company | Subordinated Notes | SOFR | Huntington Preferred Capital II - Class J securities
Debt Instrument [Line Items]
Basis spread on variable rate	2.60%
Parent Company | Subordinated Notes | SOFR | Huntington Preferred Capital II - Class L securities
Debt Instrument [Line Items]
Basis spread on variable rate	3.10%

BORROWINGS - Narrative (Details

BORROWINGS - Narrative (Details) - USD ($) $ in Millions		3 Months Ended
	Jan. 26, 2024	Sep. 30, 2023	Dec. 31, 2023
Debt Instrument [Line Items]
Carrying value of assets pledged as collateral against repurchase agreements			$ 840
Fixed-to-Floating Senior Notes Due August 21, 2029 | Senior Notes
Debt Instrument [Line Items]
Debt face amount		$ 1,300
Stated rate		6.208%
Fixed-to-Floating Senior Notes Due August 21, 2029 | Senior Notes | SOFR
Debt Instrument [Line Items]
Basis spread on variable rate		20,200%
Fixed-to-Floating Senior Notes Due February 2, 2035 | Senior Notes | Subsequent Event
Debt Instrument [Line Items]
Debt face amount	$ 1,300
Stated rate	5.709%
Fixed-to-Floating Senior Notes Due February 2, 2035 | Senior Notes | SOFR | Subsequent Event
Debt Instrument [Line Items]
Basis spread on variable rate	1.87%

BORROWINGS - Maturities (Detail

BORROWINGS - Maturities (Details) $ in Millions	Dec. 31, 2023 USD ($)
Long-term Debt, Fiscal Year Maturity [Abstract]
2024	$ 804
2025	2,690
2026	1,890
2027	695
2028	2,188
Thereafter	4,309
Total	12,576
Parent Company | Senior Notes
Long-term Debt, Fiscal Year Maturity [Abstract]
2024	734
2025	468
2026	0
2027	0
2028	750
Thereafter	2,400
Total	4,352
Parent Company | Subordinated Notes
Long-term Debt, Fiscal Year Maturity [Abstract]
2024	0
2025	0
2026	0
2027	70
2028	32
Thereafter	707
Total	809
Bank | Senior Notes
Long-term Debt, Fiscal Year Maturity [Abstract]
2024	0
2025	1,817
2026	0
2027	0
2028	800
Thereafter	900
Total	3,517
Bank | Subordinated Notes
Long-term Debt, Fiscal Year Maturity [Abstract]
2024	0
2025	130
2026	239
2027	0
2028	0
Thereafter	300
Total	669
Bank | Federal Home Loan Bank advances
Long-term Debt, Fiscal Year Maturity [Abstract]
2024	0
2025	200
2026	1,500
2027	500
2028	500
Thereafter	1
Total	2,701
Bank | Other borrowings
Long-term Debt, Fiscal Year Maturity [Abstract]
2024	70
2025	75
2026	151
2027	125
2028	106
Thereafter	1
Total	$ 528

OTHER COMPREHENSIVE INCOME - Ac

OTHER COMPREHENSIVE INCOME - Activity/Roll Forward (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
After-tax
Other comprehensive income (loss), net of tax	$ 422	$ (2,869)	$ (421)
AOCI, Accumulated Gain (Loss), Debt Securities, Available-for-sale, Parent
Pretax
OCI before reclassifications, before tax	154	(2,934)	(361)
Reclassification from AOCI, before tax	47	100	34
Tax (Expense) Benefit
OCI before reclassification, tax	(36)	673	81
AOCI reclassification, tax	(11)	(23)	(8)
After-tax
OCI before reclassifications, net of tax	118	(2,261)	(280)
Reclassification adjustment for realized net losses included in net income	36	77	26
AOCI, Accumulated Gain (Loss), Net, Cash Flow Hedge, Parent
Pretax
OCI before reclassifications, before tax	162	(896)	(257)
Reclassification from AOCI, before tax	187	0	0
Tax (Expense) Benefit
OCI before reclassification, tax	(37)	201	65
AOCI reclassification, tax	(43)	0	0
After-tax
OCI before reclassifications, net of tax	125	(695)	(192)
Reclassification adjustment for realized net losses included in net income	144	0	0
AOCI, Accumulated Gain (Loss), Net, Cash Flow Hedge, Parent | Cash Flow Hedging
Pretax
Total other comprehensive income (loss), pretax	349	(896)	(257)
Tax (Expense) Benefit
Other comprehensive income (loss)	(80)	201	65
After-tax
Other comprehensive income (loss), net of tax	269	(695)	(192)
Accumulated Foreign Currency Adjustment Attributable to Parent
Pretax
OCI before reclassifications, before tax	2	(5)	(3)
Tax (Expense) Benefit
OCI before reclassification, tax	0	0	0
After-tax
OCI before reclassifications, net of tax	2	(5)	(3)
AOCI, Accumulated Defined Benefit Plans Adjustment Attributable to Parent
Pretax
OCI before reclassifications, before tax	(4)	19	36
Tax (Expense) Benefit
OCI before reclassification, tax	1	(4)	(8)
After-tax
OCI before reclassifications, net of tax	(3)	15	28
AOCI attributable to parent
Pretax
Total other comprehensive income (loss), pretax	548	(3,716)	(551)
Tax (Expense) Benefit
Other comprehensive income (loss)	(126)	847	130
After-tax
Other comprehensive income (loss), net of tax	422	(2,869)	(421)
Debt securities | AOCI, Accumulated Gain (Loss), Debt Securities, Available-for-sale, Parent
Pretax
Total other comprehensive income (loss), pretax	201	(2,834)	(327)
Tax (Expense) Benefit
Other comprehensive income (loss)	(47)	650	73
After-tax
Other comprehensive income (loss), net of tax	$ 154	$ (2,184)	$ (254)

OTHER COMPREHENSIVE INCOME - AO

OTHER COMPREHENSIVE INCOME - AOCI Roll Forward (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Beginning balance	$ 17,731
Other comprehensive income (loss) before reclassifications	245	$ (2,961)	$ (475)
Amounts reclassified from accumulated OCI to earnings	177	92	54
Period change	422	(2,869)	(421)
Ending balance	19,353	17,731
Transferred from AFS to HTM	58	(66)	(27)
AOCI attributable to parent
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Beginning balance	(3,098)	(229)	192
Ending balance	(2,676)	(3,098)	(229)
Unrealized gains and (losses) on securities | Debt securities
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Beginning balance	(2,248)	(64)	190
Other comprehensive income (loss) before reclassifications	118	(2,261)	(280)
Amounts reclassified from accumulated OCI to earnings	36	77	26
Period change	154	(2,184)	(254)
Ending balance	(2,094)	(2,248)	(64)
AOCI, Accumulated Gain (Loss), Net, Cash Flow Hedge, Parent
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Beginning balance	(632)	63	255
Other comprehensive income (loss) before reclassifications	125	(695)	(192)
Amounts reclassified from accumulated OCI to earnings	144	0	0
Period change	269	(695)	(192)
Ending balance	(363)	(632)	63
Translation adjustments, net of hedges
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Beginning balance	(8)	(3)	0
Other comprehensive income (loss) before reclassifications	2	(5)	(3)
Amounts reclassified from accumulated OCI to earnings	0	0	0
Period change	2	(5)	(3)
Ending balance	(6)	(8)	(3)
AOCI, Accumulated Defined Benefit Plans Adjustment Attributable to Parent
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Beginning balance	(210)	(225)	(253)
Other comprehensive income (loss) before reclassifications	0	0	0
Amounts reclassified from accumulated OCI to earnings	(3)	15	28
Period change	(3)	15	28
Ending balance	$ (213)	$ (210)	$ (225)

SHAREHOLDERS' EQUITY (Details)

SHAREHOLDERS' EQUITY (Details) - USD ($) $ / shares in Units, $ in Millions			3 Months Ended	12 Months Ended
	Oct. 15, 2021	Jul. 15, 2021	Dec. 31, 2023	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021	Jul. 14, 2023
Class of Stock [Line Items]
Shares Outstanding			881,587	881,587	557,500
Carrying Amount			$ 2,394	$ 2,394	$ 2,167
Amount				$ (142)	(113)	$ (131)
Series B
Class of Stock [Line Items]
Shares Outstanding			35,500	35,500
Preferred stock, redemption date				Jan. 15, 2017
Carrying Amount			$ 23	$ 23	$ 23
Cash Dividend Declared Per Share				$ 80.28	$ 46.68	$ 28.69
Amount				$ (3)	$ (2)	$ (1)
Series B | LIBOR
Class of Stock [Line Items]
Preferred stock, dividend rate percentage				2.70%
Basis spread							27,000%
Series B | Secured Overnight Financing Rate (SOFR)
Class of Stock [Line Items]
Basis spread			0.26%	0.26%
Series C
Class of Stock [Line Items]
Cash Dividend Declared Per Share				$ 0	$ 0	$ 44.07
Amount				$ 0	$ 0	$ (4)
Stock redeemed (in shares)	100,000,000
Preferred stock par value (in USD per share)	$ 0.01
Series D Preferred Stock
Class of Stock [Line Items]
Cash Dividend Declared Per Share				$ 0	$ 0	$ 31.25
Amount				$ 0	$ 0	$ (18)
Stock redeemed (in shares)		600,000,000
Preferred stock par value (in USD per share)		$ 0.01
Series E (4)
Class of Stock [Line Items]
Shares Outstanding			4,087	4,087
Preferred stock, redemption date				Apr. 15, 2023
Carrying Amount			$ 405	$ 405	$ 495
Cash Dividend Declared Per Share				$ 7,753.75	$ 5,700	$ 5,700
Amount				$ (37)	$ (29)	$ (29)
Stock redeemed (in shares)			90,000,000
Preferred stock par value (in USD per share)			$ 0.01	$ 0.01
Series E (4) | LIBOR
Class of Stock [Line Items]
Basis spread							28,800%
Series E (4) | Secured Overnight Financing Rate (SOFR)
Class of Stock [Line Items]
Basis spread			0.26%	0.26%
Series F (4)
Class of Stock [Line Items]
Shares Outstanding			5,000	5,000
Preferred stock, dividend rate percentage				5.625%
Preferred stock, redemption date				Jul. 15, 2030
Carrying Amount			$ 494	$ 494	$ 494
Cash Dividend Declared Per Share				$ 5,625	$ 5,625	$ 5,625
Amount				$ (28)	$ (28)	$ (28)
Series G (4)
Class of Stock [Line Items]
Shares Outstanding			5,000	5,000
Preferred stock, dividend rate percentage				4.45%
Preferred stock, redemption date				Oct. 15, 2027
Carrying Amount			$ 494	$ 494	$ 494
Cash Dividend Declared Per Share				$ 4,450	$ 4,450	$ 4,450
Amount				$ (22)	$ (22)	$ (23)
Series H Preferred Stock
Class of Stock [Line Items]
Shares Outstanding			500,000	500,000
Preferred stock, dividend rate percentage				4.50%
Preferred stock, redemption date				Apr. 15, 2026
Carrying Amount			$ 486	$ 486	$ 486
Cash Dividend Declared Per Share				$ 45	$ 45	$ 42
Amount				$ (23)	$ (22)	$ (21)
Series I Preferred Stock
Class of Stock [Line Items]
Shares Outstanding			7,000	7,000
Preferred stock, dividend rate percentage				5.70%
Preferred stock, redemption date				Dec. 01, 2022
Carrying Amount			$ 175	$ 175	$ 175
Preferred stock, liquidation preference per share (in dollars per share)			$ 25,000	$ 25,000
Cash Dividend Declared Per Share				$ 1,425	$ 1,425	$ 1,068.75
Amount				$ (10)	$ (10)	$ (7)
Series J
Class of Stock [Line Items]
Shares Outstanding			325,000	325,000
Preferred stock, dividend rate percentage				6.875%
Preferred stock, redemption date				Apr. 15, 2028
Carrying Amount			$ 317	$ 317	$ 0
Cash Dividend Declared Per Share				$ 59.02	$ 0	$ 0
Amount				$ (19)	$ 0	$ 0
Preferred Stock
Class of Stock [Line Items]
Preferred stock, liquidation preference per share (in dollars per share)			$ 1,000	$ 1,000
Series E, F and G Preferred Stock
Class of Stock [Line Items]
Preferred stock, liquidation preference per share (in dollars per share)			$ 100,000	$ 100,000
Series E, F and G Preferred Stock | LIBOR
Class of Stock [Line Items]
Preferred stock, dividend rate percentage				2.88%

EARNINGS PER SHARE (Details)

EARNINGS PER SHARE (Details) - USD ($) $ / shares in Units, shares in Thousands, $ in Millions	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Basic earnings per common share:
Net income attributable to Huntington Bancshares Inc	$ 1,951	$ 2,238	$ 1,295
Dividends on preferred shares	142	113	131
Impact of preferred stock redemption	(8)	0	11
Net income available to common shareholders	$ 1,817	$ 2,125	$ 1,153
Average common shares issued and outstanding	1,446,449	1,441,279	1,262,435
Basic earnings per common share (in USD per share)	$ 1.26	$ 1.47	$ 0.91
Average dilutive potential common shares:
Stock options and restricted stock units and awards (in shares)	14,456	17,534	18,185
Shares held in deferred compensation plans (in shares)	7,111	6,407	6,113
Dilutive potential common shares: (in shares)	21,567	23,941	24,298
Total diluted average common shares issued and outstanding (in shares)	1,468,016	1,465,220	1,286,733
Diluted earnings per common share (in USD per share)	$ 1.24	$ 1.45	$ 0.90
Stock Option
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Options outstanding to purchase common stock shares having antidilutive effect (in shares)	11,039	5,303	2,674

REVENUE FROM CONTRACTS WITH C_3

REVENUE FROM CONTRACTS WITH CUSTOMERS - Summary of Noninterest Income (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Revenue from Contract with Customer [Abstract]
Noninterest income from contracts with customers	$ 1,400	$ 1,318	$ 1,113
Noninterest income within the scope of other GAAP topics	521	663	776
Total noninterest income	$ 1,921	$ 1,981	$ 1,889

REVENUE FROM CONTRACTS WITH C_4

REVENUE FROM CONTRACTS WITH CUSTOMERS - Disaggregation by Segment (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Disaggregation of Revenue [Line Items]
Net revenue from contracts with customers	$ 1,400	$ 1,318	$ 1,113
Noninterest income within the scope of other GAAP topics	521	663	776
Noninterest income	1,921	1,981	1,889
Payments and cash management revenue
Disaggregation of Revenue [Line Items]
Net revenue from contracts with customers	536	513	464
Wealth and asset management revenue
Disaggregation of Revenue [Line Items]
Net revenue from contracts with customers	328	300	269
Customer deposit and loan fees
Disaggregation of Revenue [Line Items]
Net revenue from contracts with customers	211	231	227
Capital markets fees
Disaggregation of Revenue [Line Items]
Net revenue from contracts with customers	132	110	29
Leasing revenue
Disaggregation of Revenue [Line Items]
Net revenue from contracts with customers	51	67	23
Insurance income
Disaggregation of Revenue [Line Items]
Net revenue from contracts with customers	74	79	82
Other
Disaggregation of Revenue [Line Items]
Net revenue from contracts with customers	68	18	19
Operating Segments | Consumer & Business Banking
Disaggregation of Revenue [Line Items]
Net revenue from contracts with customers	1,098	1,020	945
Noninterest income within the scope of other GAAP topics	159	252	344
Noninterest income	1,257	1,272	1,289
Operating Segments | Consumer & Business Banking | Payments and cash management revenue
Disaggregation of Revenue [Line Items]
Net revenue from contracts with customers	433	405	360
Operating Segments | Consumer & Business Banking | Wealth and asset management revenue
Disaggregation of Revenue [Line Items]
Net revenue from contracts with customers	313	294	266
Operating Segments | Consumer & Business Banking | Customer deposit and loan fees
Disaggregation of Revenue [Line Items]
Net revenue from contracts with customers	203	226	226
Operating Segments | Consumer & Business Banking | Capital markets fees
Disaggregation of Revenue [Line Items]
Net revenue from contracts with customers	16	15	10
Operating Segments | Consumer & Business Banking | Leasing revenue
Disaggregation of Revenue [Line Items]
Net revenue from contracts with customers	2	1	2
Operating Segments | Consumer & Business Banking | Insurance income
Disaggregation of Revenue [Line Items]
Net revenue from contracts with customers	64	71	75
Operating Segments | Consumer & Business Banking | Other
Disaggregation of Revenue [Line Items]
Net revenue from contracts with customers	67	8	6
Operating Segments | Commercial Banking
Disaggregation of Revenue [Line Items]
Net revenue from contracts with customers	307	304	156
Noninterest income within the scope of other GAAP topics	339	363	363
Noninterest income	646	667	519
Operating Segments | Commercial Banking | Payments and cash management revenue
Disaggregation of Revenue [Line Items]
Net revenue from contracts with customers	103	108	104
Operating Segments | Commercial Banking | Wealth and asset management revenue
Disaggregation of Revenue [Line Items]
Net revenue from contracts with customers	15	6	3
Operating Segments | Commercial Banking | Customer deposit and loan fees
Disaggregation of Revenue [Line Items]
Net revenue from contracts with customers	8	5	1
Operating Segments | Commercial Banking | Capital markets fees
Disaggregation of Revenue [Line Items]
Net revenue from contracts with customers	118	98	19
Operating Segments | Commercial Banking | Leasing revenue
Disaggregation of Revenue [Line Items]
Net revenue from contracts with customers	49	66	21
Operating Segments | Commercial Banking | Insurance income
Disaggregation of Revenue [Line Items]
Net revenue from contracts with customers	11	9	6
Operating Segments | Commercial Banking | Other
Disaggregation of Revenue [Line Items]
Net revenue from contracts with customers	3	12	2
Treasury / Other
Disaggregation of Revenue [Line Items]
Net revenue from contracts with customers	(5)	(6)	12
Noninterest income within the scope of other GAAP topics	23	48	69
Noninterest income	18	42	81
Treasury / Other | Payments and cash management revenue
Disaggregation of Revenue [Line Items]
Net revenue from contracts with customers	0	0	0
Treasury / Other | Wealth and asset management revenue
Disaggregation of Revenue [Line Items]
Net revenue from contracts with customers	0	0	0
Treasury / Other | Customer deposit and loan fees
Disaggregation of Revenue [Line Items]
Net revenue from contracts with customers	0	0	0
Treasury / Other | Capital markets fees
Disaggregation of Revenue [Line Items]
Net revenue from contracts with customers	(2)	(3)	0
Treasury / Other | Leasing revenue
Disaggregation of Revenue [Line Items]
Net revenue from contracts with customers	0	0	0
Treasury / Other | Insurance income
Disaggregation of Revenue [Line Items]
Net revenue from contracts with customers	(1)	(1)	1
Treasury / Other | Other
Disaggregation of Revenue [Line Items]
Net revenue from contracts with customers	$ (2)	$ (2)	$ 11

SHARE-BASED COMPENSATION - Narr

SHARE-BASED COMPENSATION - Narrative (Details) - USD ($) $ / shares in Units, shares in Millions, $ in Millions	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Shares available for grant	15
Granted (in USD per share)	$ 14.14	$ 13.47	$ 15.78
Total fair value of awards vested	$ 99	$ 105	$ 135
Stock Option
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award vesting period	4 years
Total unrecognized compensation cost related to nonvested awards	$ 289
Cost not yet recognized period for recognition	2 years 4 months 24 days
TCF options
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Awards expiration period	10 years
Performance Share Units
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award vesting period	3 years
Granted (in USD per share)	$ 15.30

SHARE-BASED COMPENSATION - Shar

SHARE-BASED COMPENSATION - Share-Based Compensation Expense (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Share-Based Payment Arrangement [Abstract]
Share-based compensation expense	$ 114	$ 119	$ 138
Tax benefit	$ 19	$ 20	$ 22

SHARE-BASED COMPENSATION - Sche

SHARE-BASED COMPENSATION - Schedule of Stock Option Activity (Details) $ / shares in Units, shares in Thousands, $ in Millions	12 Months Ended
	Dec. 31, 2023 USD ($) $ / shares shares
Options (in shares):
Outstanding at beginning of period (in shares) | shares	13,458
Exercised (in shares) | shares	(425)
Forfeited/expired (in shares) | shares	(111)
Outstanding at end of period (in shares) | shares	12,922
Expected to vest at end of period (in shares) | shares	1,909
Exercisable at end of period (in shares) | shares	11,001
Weighted- Average Exercise Price (USD per share):
Outstanding at beginning of period (USD per share) | $ / shares	$ 12.50
Exercised (USD per share) | $ / shares	9.93
Forfeited/expired (USD per share) | $ / shares	12.74
Outstanding at end of period (USD per share) | $ / shares	12.58
Vested and expected to vest (USD per share) | $ / shares	12.26
Exercisable (USD per share) | $ / shares	$ 12.63
Weighted-Average Remaining Contractual Life (Years)/Aggregate Intrinsic Value
Outstanding, weighted-average remaining contractual life (years)	5 years
Expected to vest, weighted-average remaining contractual period (years)	6 years 9 months 18 days
Exercisable, weighted-average remaining contractual term (years)	4 years 8 months 12 days
Outstanding aggregate intrinsic value | $	$ 17
Expected to vest, aggregate intrinsic value | $	4
Exercisable, aggregate intrinsic value | $	$ 13

SHARE-BASED COMPENSATION - Rest

SHARE-BASED COMPENSATION - Restricted Stock, RSUs, Performance Shares (Details) - $ / shares shares in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Weighted-Average Grant Date Fair Value Per Share (USD per share):
Granted (in USD per share)	$ 14.14	$ 13.47	$ 15.78
Restricted Stock Awards
Shares:
Nonvested at beginning of period (in shares)	124
Granted (in shares)	0
Vested (in shares)	(115)
Forfeited (in shares)	0
Nonvested at end of period (in shares)	9	124
Weighted-Average Grant Date Fair Value Per Share (USD per share):
Nonvested at beginning of period (in USD per share)	$ 14.37
Granted (in USD per share)	0
Vested (in USD per share)	14.03
Forfeited (in USD per share)	0
Nonvested at end of period (in USD per share)	$ 14.16	$ 14.37
Restricted Stock Units
Shares:
Nonvested at beginning of period (in shares)	24,221
Granted (in shares)	7,981
Vested (in shares)	(6,316)
Forfeited (in shares)	(1,217)
Nonvested at end of period (in shares)	24,669	24,221
Weighted-Average Grant Date Fair Value Per Share (USD per share):
Nonvested at beginning of period (in USD per share)	$ 12.70
Granted (in USD per share)	13.94
Vested (in USD per share)	11.74
Forfeited (in USD per share)	13.08
Nonvested at end of period (in USD per share)	$ 13.15	$ 12.70
Performance Share Units
Shares:
Nonvested at beginning of period (in shares)	3,469
Granted (in shares)	2,521
Vested (in shares)	(2,682)
Forfeited (in shares)	(88)
Nonvested at end of period (in shares)	3,220	3,469
Weighted-Average Grant Date Fair Value Per Share (USD per share):
Nonvested at beginning of period (in USD per share)	$ 12.40
Granted (in USD per share)	15.30
Vested (in USD per share)	8.64
Forfeited (in USD per share)	15.02
Nonvested at end of period (in USD per share)	$ 15.19	$ 12.40

BENEFIT PLANS - Narrative (Deta

BENEFIT PLANS - Narrative (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Defined Benefit Plan Disclosure [Line Items]
Employer contributions	$ 0
Average duration on investments	13 years
Estimated life of benefit obligations	10 years 4 months 24 days
Expense related to defined contribution plans	$ 61	$ 58	$ 70
Cash and cash equivalents
Defined Benefit Plan Disclosure [Line Items]
Actual plan asset allocations	2%	1%
Equity securities
Defined Benefit Plan Disclosure [Line Items]
Actual plan asset allocations	14%
Bonds
Defined Benefit Plan Disclosure [Line Items]
Actual plan asset allocations	84%
Pension Plan
Defined Benefit Plan Disclosure [Line Items]
Accumulated benefit obligations in excess of plan assets, aggregate projected benefit obligation	$ 42
Pension Plan | Equity securities
Defined Benefit Plan Disclosure [Line Items]
Allocation of plan assets percent	10%
Pension Plan | Bonds
Defined Benefit Plan Disclosure [Line Items]
Allocation of plan assets percent	89%

BENEFIT PLANS - Weighted Averag

BENEFIT PLANS - Weighted Average Assumptions (Details) - Pension Plan	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
Weighted-average assumptions used to determine benefit obligations
Discount rate	5.15%	5.41%
Weighted-average assumptions used to determine net periodic benefit cost
Discount rate	5.41%	2.86%
Expected return on plan assets	5%	4.50%

BENEFIT PLANS - Projected Benef

BENEFIT PLANS - Projected Benefit Obligation (Details) - Pension Plan - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Change in Benefit Obligation [Roll Forward]
Projected benefit obligation at beginning of measurement year	$ 692	$ 956
Service cost	3	3	$ 3
Interest cost	36	22	19
Benefits paid	(33)	(32)
Settlements	(16)	(29)
Actuarial gains	5	(228)
Total changes	(5)	(264)
Projected benefit obligation at end of measurement year	$ 687	$ 692	$ 956

BENEFIT PLANS - Fair Value of P

BENEFIT PLANS - Fair Value of Plan Assets (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
Changes due to:
Fair value of plan assets at beginning of measurement year	$ 740
Fair value of plan assets at end of measurement year	729	$ 740
Pension Plan
Changes due to:
Fair value of plan assets at beginning of measurement year	740	1,007
Actual return on plan assets	39	(197)
Settlements	(17)	(38)
Benefits paid	(33)	(32)
Total changes	(11)	(267)
Fair value of plan assets at end of measurement year	$ 729	$ 740

BENEFIT PLANS - Net Periodic Be

BENEFIT PLANS - Net Periodic Benefit Costs (Details) - Pension Plan - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Components of net periodic benefit expense [Abstract]
Service cost	$ 3	$ 3	$ 3
Interest cost	36	22	19
Expected return on plan assets	(43)	(41)	(40)
Amortization of loss	1	9	12
Settlements	7	15	8
Benefit costs	$ 4	$ 8	$ 2

BENEFIT PLANS - Fair Value of_2

BENEFIT PLANS - Fair Value of Plan Assets (Details) - USD ($) $ in Millions	Dec. 31, 2023	Dec. 31, 2022
Summary of plan assets investments
Fair value of plan assets	$ 729	$ 740
Fair value of plan assets, Percentage	100%	100%
Mutual funds-money market
Summary of plan assets investments
Fair value of plan assets	$ 17	$ 23
Fair value of plan assets, Percentage	2%	3%
Corporate obligations
Summary of plan assets investments
Fair value of plan assets	$ 234	$ 414
Fair value of plan assets, Percentage	32%	57%
U.S. Government obligations
Summary of plan assets investments
Fair value of plan assets	$ 70	$ 154
Fair value of plan assets, Percentage	10%	21%
Municipal obligations
Summary of plan assets investments
Fair value of plan assets	$ 1	$ 3
Fair value of plan assets, Percentage	0%	0%
Collective trust funds
Summary of plan assets investments
Fair value of plan assets	$ 297	$ 62
Fair value of plan assets, Percentage	42%	8%
Limited liability companies
Summary of plan assets investments
Fair value of plan assets	$ 10	$ 9
Fair value of plan assets, Percentage	1%	1%
Collective trust funds
Summary of plan assets investments
Fair value of plan assets	$ 76	$ 27
Fair value of plan assets, Percentage	10%	4%
Limited partnerships
Summary of plan assets investments
Fair value of plan assets	$ 24	$ 48
Fair value of plan assets, Percentage	3%	6%

BENEFIT PLANS - Expected Future

BENEFIT PLANS - Expected Future Benefit Payments (Details) - Pension Plan $ in Millions	Dec. 31, 2023 USD ($)
Estimated Future Benefit Payments [Abstract]
2024	$ 51
2025	52
2026	53
2027	53
2028	53
2029 through 2033	$ 253

BENEFIT PLANS - Defined Contrib

BENEFIT PLANS - Defined Contribution Plans (Details) - USD ($) $ in Millions	Dec. 31, 2023	Dec. 31, 2022
Retirement Benefits [Abstract]
Shares in Huntington common stock (in shares)	11,899	9,451
Market value of Huntington common stock	$ 151	$ 133
Dividends received on shares of Huntington stock	$ 7	$ 6

INCOME TAXES - Provision (Benef

INCOME TAXES - Provision (Benefit) for Income Taxes (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Current tax provision (benefit)
Federal	$ 644	$ 129	$ 356
State	63	62	13
Foreign	8	5	1
Total current tax provision	715	196	370
Deferred tax provision (benefit)
Federal	(291)	319	(104)
State	(11)	0	28
Total deferred tax provision (benefit)	(302)	319	(76)
Provision for income taxes	$ 413	$ 515	$ 294

INCOME TAXES - Effective Income

INCOME TAXES - Effective Income Tax Rate Reconciliation (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Income Tax Disclosure [Abstract]
Provision for income taxes computed at the statutory rate	$ 501	$ 580	$ 334
Increases (decreases):
General business credits	(253)	(164)	(126)
Tax-exempt income	(28)	(21)	(18)
Capital loss	0	(60)	(32)
Affordable housing investment amortization, net of tax benefits	148	129	102
State income taxes, net	41	49	32
Other	4	2	2
Provision for income taxes	$ 413	$ 515	$ 294

INCOME TAXES - Deferred Tax Ass

INCOME TAXES - Deferred Tax Assets and Liabilities (Details) - USD ($) $ in Millions	Dec. 31, 2023	Dec. 31, 2022
Deferred tax assets:
Fair value adjustments	$ 791	$ 917
Allowances for credit losses	564	526
Tax credit carryforward	240	59
Net operating and other loss carryforward	101	136
Research and development expenses	91	0
Lease liability	89	96
Purchase accounting and other intangibles	82	167
Pension and other employee benefits	70	68
Accrued expense/prepaid	61	8
Other assets	4	5
Total deferred tax assets	2,093	1,982
Deferred tax liabilities:
Lease financing	873	955
Loan origination costs	155	97
Mortgage servicing rights	124	112
Operating assets	96	133
Right-of-use asset	62	67
Securities adjustments	40	42
Other liabilities	3	10
Total deferred tax liabilities	1,353	1,416
Net deferred tax asset (liability) before valuation allowance	740	566
Valuation allowance	(30)	(32)
Net deferred tax asset	$ 710	$ 534

INCOME TAXES - Narrative (Detai

INCOME TAXES - Narrative (Details) $ in Millions	Dec. 31, 2023 USD ($)
Income Tax Disclosure [Abstract]
Net deferred tax asset, operating loss carryforwards	$ 341
Net deferred tax asset, operating loss carryforwards, domestic	43
Net deferred tax asset, operating loss carryforwards, state and local	42
General business credit	240
Bad debt reserves with no federal income tax liability	182
Unrecognized deferred tax liability from cumulative bad debt reduction	38
Domestic Tax Authority
Tax Credit Carryforward [Line Items]
Capital loss carryforwards	13
State and Local Jurisdiction
Tax Credit Carryforward [Line Items]
Capital loss carryforwards	$ 4

INCOME TAXES - Gross Unrecogniz

INCOME TAXES - Gross Unrecognized Tax Benefits (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
Reconciliation of Unrecognized Tax Benefits, Excluding Amounts Pertaining to Examined Tax Returns [Roll Forward]
Unrecognized tax benefits at beginning of period	$ 94	$ 93
Gross increases for tax positions taken during prior years	8	1
Settlements with taxing authorities	(94)	0
Unrecognized tax benefits at end of period	$ 8	$ 94

FAIR VALUES OF ASSETS AND LIA_3

FAIR VALUES OF ASSETS AND LIABILITIES - Recurring basis (Details) - USD ($) $ in Millions	Dec. 31, 2023	Dec. 31, 2022
Assets measured at fair value on a recurring basis
Available-for-sale securities	$ 25,305	$ 23,423
Loans held for sale	506	520
Loans held for investment	174	185
Derivative assets gross	1,723	2,164
Derivative assets netting	(1,330)	(1,808)
Derivative assets	393	356
Total short-term borrowings	620	2,027
Liabilities measured at fair value on a recurring basis
Gross amounts of recognized liabilities	1,421	2,337
Derivative liabilities netting	(751)	(1,345)
Derivative liabilities	670	992
U.S. Treasury securities
Assets measured at fair value on a recurring basis
Available-for-sale securities	2,856	103
Residential MBS
Assets measured at fair value on a recurring basis
Available-for-sale securities	11,382	12,263
Commercial MBS
Assets measured at fair value on a recurring basis
Available-for-sale securities	1,827	1,953
Other agencies
Assets measured at fair value on a recurring basis
Available-for-sale securities	155	182
Municipal securities
Assets measured at fair value on a recurring basis
Available-for-sale securities	3,373	3,290
Private-label CMO
Assets measured at fair value on a recurring basis
Available-for-sale securities	119	128
Asset-backed securities
Assets measured at fair value on a recurring basis
Available-for-sale securities	356	372
Corporate debt
Assets measured at fair value on a recurring basis
Available-for-sale securities	2,043	2,214
Recurring
Assets measured at fair value on a recurring basis
Trading account securities	125
Available-for-sale securities	25,305	23,423
Other securities	32	32
Loans held for sale	506	520
Loans held for investment	174	185
MSRs	515	494
Derivative assets netting	(1,330)	(1,808)
Derivative assets	393	356
Assets held in trust for deferred compensation plans	177	155
Liabilities measured at fair value on a recurring basis
Derivative liabilities netting	(751)	(1,345)
Derivative liabilities	670	992
Recurring | U.S. Treasury securities
Assets measured at fair value on a recurring basis
Trading account securities	91
Available-for-sale securities	2,856	103
Recurring | Residential CMO
Assets measured at fair value on a recurring basis
Available-for-sale securities	3,184	2,914
Recurring | Residential MBS
Assets measured at fair value on a recurring basis
Available-for-sale securities	11,382	12,263
Recurring | Commercial MBS
Assets measured at fair value on a recurring basis
Available-for-sale securities	1,827	1,953
Recurring | Other agencies
Assets measured at fair value on a recurring basis
Trading account securities	2
Available-for-sale securities	155	182
Recurring | Municipal securities
Assets measured at fair value on a recurring basis
Trading account securities	32	19
Available-for-sale securities	3,373	3,290
Recurring | Private-label CMO
Assets measured at fair value on a recurring basis
Available-for-sale securities	119	128
Recurring | Asset-backed securities
Assets measured at fair value on a recurring basis
Available-for-sale securities	356	372
Recurring | Corporate debt
Assets measured at fair value on a recurring basis
Available-for-sale securities	2,043	2,214
Recurring | Other securities/Sovereign debt
Assets measured at fair value on a recurring basis
Available-for-sale securities	10	4
Recurring | Level 1
Assets measured at fair value on a recurring basis
Trading account securities	91
Available-for-sale securities	2,856	103
Other securities	30	31
Loans held for sale	0	0
Loans held for investment	0	0
MSRs	0	0
Derivative assets gross	0	0
Assets held in trust for deferred compensation plans	177	155
Liabilities measured at fair value on a recurring basis
Gross amounts of recognized liabilities	0	0
Recurring | Level 1 | U.S. Treasury securities
Assets measured at fair value on a recurring basis
Trading account securities	91
Available-for-sale securities	2,856	103
Recurring | Level 1 | Residential CMO
Assets measured at fair value on a recurring basis
Available-for-sale securities	0	0
Recurring | Level 1 | Residential MBS
Assets measured at fair value on a recurring basis
Available-for-sale securities	0	0
Recurring | Level 1 | Commercial MBS
Assets measured at fair value on a recurring basis
Available-for-sale securities	0	0
Recurring | Level 1 | Other agencies
Assets measured at fair value on a recurring basis
Trading account securities	0
Available-for-sale securities	0	0
Recurring | Level 1 | Municipal securities
Assets measured at fair value on a recurring basis
Trading account securities	0	0
Available-for-sale securities	0	0
Recurring | Level 1 | Private-label CMO
Assets measured at fair value on a recurring basis
Available-for-sale securities	0	0
Recurring | Level 1 | Asset-backed securities
Assets measured at fair value on a recurring basis
Available-for-sale securities	0	0
Recurring | Level 1 | Corporate debt
Assets measured at fair value on a recurring basis
Available-for-sale securities	0	0
Recurring | Level 1 | Other securities/Sovereign debt
Assets measured at fair value on a recurring basis
Available-for-sale securities	0	0
Recurring | Level 2
Assets measured at fair value on a recurring basis
Trading account securities	34
Available-for-sale securities	19,019	19,978
Other securities	2	1
Loans held for sale	506	520
Loans held for investment	120	169
MSRs	0	0
Derivative assets gross	1,720	2,161
Assets held in trust for deferred compensation plans	0	0
Liabilities measured at fair value on a recurring basis
Gross amounts of recognized liabilities	1,416	2,332
Recurring | Level 2 | U.S. Treasury securities
Assets measured at fair value on a recurring basis
Trading account securities	0
Available-for-sale securities	0	0
Recurring | Level 2 | Residential CMO
Assets measured at fair value on a recurring basis
Available-for-sale securities	3,184	2,914
Recurring | Level 2 | Residential MBS
Assets measured at fair value on a recurring basis
Available-for-sale securities	11,382	12,263
Recurring | Level 2 | Commercial MBS
Assets measured at fair value on a recurring basis
Available-for-sale securities	1,827	1,953
Recurring | Level 2 | Other agencies
Assets measured at fair value on a recurring basis
Trading account securities	2
Available-for-sale securities	155	182
Recurring | Level 2 | Municipal securities
Assets measured at fair value on a recurring basis
Trading account securities	32	19
Available-for-sale securities	38	42
Recurring | Level 2 | Private-label CMO
Assets measured at fair value on a recurring basis
Available-for-sale securities	99	108
Recurring | Level 2 | Asset-backed securities
Assets measured at fair value on a recurring basis
Available-for-sale securities	281	298
Recurring | Level 2 | Corporate debt
Assets measured at fair value on a recurring basis
Available-for-sale securities	2,043	2,214
Recurring | Level 2 | Other securities/Sovereign debt
Assets measured at fair value on a recurring basis
Available-for-sale securities	10	4
Recurring | Level 3
Assets measured at fair value on a recurring basis
Trading account securities	0
Available-for-sale securities	3,430	3,342
Other securities	0	0
Loans held for sale	0	0
Loans held for investment	54	16
MSRs	515	494
Derivative assets gross	3	3
Assets held in trust for deferred compensation plans	0	0
Liabilities measured at fair value on a recurring basis
Gross amounts of recognized liabilities	5	5
Recurring | Level 3 | U.S. Treasury securities
Assets measured at fair value on a recurring basis
Trading account securities	0
Available-for-sale securities	0	0
Recurring | Level 3 | Residential CMO
Assets measured at fair value on a recurring basis
Available-for-sale securities	0	0
Recurring | Level 3 | Residential MBS
Assets measured at fair value on a recurring basis
Available-for-sale securities	0	0
Recurring | Level 3 | Commercial MBS
Assets measured at fair value on a recurring basis
Available-for-sale securities	0	0
Recurring | Level 3 | Other agencies
Assets measured at fair value on a recurring basis
Trading account securities	0
Available-for-sale securities	0	0
Recurring | Level 3 | Municipal securities
Assets measured at fair value on a recurring basis
Trading account securities	0	0
Available-for-sale securities	3,335	3,248
Recurring | Level 3 | Private-label CMO
Assets measured at fair value on a recurring basis
Available-for-sale securities	20	20
Recurring | Level 3 | Asset-backed securities
Assets measured at fair value on a recurring basis
Available-for-sale securities	75	74
Recurring | Level 3 | Corporate debt
Assets measured at fair value on a recurring basis
Available-for-sale securities	0	0
Recurring | Level 3 | Other securities/Sovereign debt
Assets measured at fair value on a recurring basis
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	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Total gains/losses for the period:
Fair Value, Net Derivative Asset (Liability), Recurring Basis, Still Held, Unrealized Gain (Loss), Statement of Income or Comprehensive Income [Extensible Enumeration]	Debt and Equity Securities, Gain (Loss)	Debt and Equity Securities, Gain (Loss)	Debt and Equity Securities, Gain (Loss)
Derivative instruments
Opening balance	$ (2)	$ 4	$ 41
Transfers out of Level 3	(23)	(3)	(132)
Total gains/losses for the period:
Included in OCI	0	0	0
Purchases/originations	0	0	7
Sales	0		0
Repayments		0	0
Settlements	0	0	0
Opening balance	(2)	(2)	4
Change in unrealized gains or losses for the period included in earnings for assets held at end of the reporting date	$ (3)	$ (8)	$ (41)
Mortgage banking income
Total gains/losses for the period:
Fair Value, Net Derivative Asset (Liability), Recurring Basis, Unobservable Input Reconciliation, Gain (Loss), Statement of Income or Comprehensive Income [Extensible Enumeration]	Mortgage banking income	Mortgage banking income	Mortgage banking income
Total gains/losses for the period:
Included in earnings:	$ 25	$ (3)	$ 88
Interest and fee income
Total gains/losses for the period:
Fair Value, Net Derivative Asset (Liability), Recurring Basis, Unobservable Input Reconciliation, Gain (Loss), Statement of Income or Comprehensive Income [Extensible Enumeration]	Interest and Dividend Income, Operating	Interest and Dividend Income, Operating	Interest and Dividend Income, Operating
Total gains/losses for the period:
Included in earnings:	$ 0	$ 0	$ 0
Noninterest income
Total gains/losses for the period:
Fair Value, Net Derivative Asset (Liability), Recurring Basis, Unobservable Input Reconciliation, Gain (Loss), Statement of Income or Comprehensive Income [Extensible Enumeration]	Interest and Dividend Income, Operating
Total gains/losses for the period:
Included in earnings:	$ (2)
Provision for credit losses
Total gains/losses for the period:
Fair Value, Net Derivative Asset (Liability), Recurring Basis, Unobservable Input Reconciliation, Gain (Loss), Statement of Income or Comprehensive Income [Extensible Enumeration]		Interest and Dividend Income, Operating
Total gains/losses for the period:
Included in earnings:		$ 0
Fair Value, Recurring
Level 3 Assets Roll Forward:
Fair value election for servicing assets previously measured using the amortization method	515	494
Level 1 | Fair Value, Recurring
Level 3 Assets Roll Forward:
Fair value election for servicing assets previously measured using the amortization method	0	0
Level 2 | Fair Value, Recurring
Level 3 Assets Roll Forward:
Fair value election for servicing assets previously measured using the amortization method	0	0
Level 3 | Fair Value, Recurring
Level 3 Assets Roll Forward:
Fair value election for servicing assets previously measured using the amortization method	515	494
Residential mortgage
Level 3 Assets Roll Forward:
Fair value election for servicing assets previously measured using the amortization method	515	494	351
MSRs
Level 3 Assets Roll Forward:
Opening balance	494	351	210
Transfers out of Level 3	0	0	0
Total gains/losses for the period:
Included in OCI	0	0	0
Purchases/originations	63	85	194
Sales	(1)		0
Repayments		0	0
Settlements	(48)	(56)	(80)
Closing balance	515	494	351
Change in unrealized gains or losses for the period included in earnings for assets held at end of the reporting date	7	114	27
MSRs | Mortgage banking income
Total gains/losses for the period:
Included in earnings:	7	114	27
MSRs | Interest and fee income
Total gains/losses for the period:
Included in earnings:	0	0	0
MSRs | Noninterest income
Total gains/losses for the period:
Included in earnings:	0
MSRs | Provision for credit losses
Total gains/losses for the period:
Included in earnings:		0
Municipal securities
Level 3 Assets Roll Forward:
Opening balance	3,248	3,477	2,951
Transfers out of Level 3	0	0	0
Total gains/losses for the period:
Included in OCI	73	(262)	(46)
Purchases/originations	928	1,087	1,835
Sales	0		(369)
Repayments		0	0
Settlements	(912)	(1,045)	(893)
Closing balance	3,335	3,248	3,477
Change in unrealized gains or losses for the period included in earnings for assets held at end of the reporting date	47	(257)	(47)
Municipal securities | Mortgage banking income
Total gains/losses for the period:
Included in earnings:	0	0	0
Municipal securities | Interest and fee income
Total gains/losses for the period:
Included in earnings:	(2)	(5)	(1)
Municipal securities | Noninterest income
Total gains/losses for the period:
Included in earnings:	0
Municipal securities | Provision for credit losses
Total gains/losses for the period:
Included in earnings:		(4)
Private-label CMO
Level 3 Assets Roll Forward:
Opening balance	20	20	9
Transfers out of Level 3	0	0	0
Total gains/losses for the period:
Included in OCI	0	0	0
Purchases/originations	1	4	11
Sales	0		0
Repayments		0	0
Settlements	0	(1)	2
Closing balance	20	20	20
Change in unrealized gains or losses for the period included in earnings for assets held at end of the reporting date	0	0	0
Private-label CMO | Mortgage banking income
Total gains/losses for the period:
Included in earnings:	0	0	0
Private-label CMO | Interest and fee income
Total gains/losses for the period:
Included in earnings:	(1)	(3)	(2)
Private-label CMO | Noninterest income
Total gains/losses for the period:
Included in earnings:	0
Private-label CMO | Provision for credit losses
Total gains/losses for the period:
Included in earnings:		0
Asset-backed securities
Level 3 Assets Roll Forward:
Opening balance	74	70	10
Transfers out of Level 3	0	0	0
Total gains/losses for the period:
Included in OCI	1	(1)	0
Purchases/originations	0	31	115
Sales	0		0
Repayments		0	0
Settlements	0	(26)	(55)
Closing balance	75	74	70
Change in unrealized gains or losses for the period included in earnings for assets held at end of the reporting date	1	(1)	0
Asset-backed securities | Mortgage banking income
Total gains/losses for the period:
Included in earnings:	0	0	0
Asset-backed securities | Interest and fee income
Total gains/losses for the period:
Included in earnings:	0	0	0
Asset-backed securities | Noninterest income
Total gains/losses for the period:
Included in earnings:	0
Asset-backed securities | Provision for credit losses
Total gains/losses for the period:
Included in earnings:		0
Loans held for investment
Level 3 Assets Roll Forward:
Opening balance	16	19	23
Transfers into Level 3	41
Transfers out of Level 3	0	0	0
Total gains/losses for the period:
Included in OCI	0	0	0
Purchases/originations	0	0	0
Sales	0		0
Repayments		(4)	(4)
Settlements	0	0	0
Closing balance	54	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	0
Loans held for investment | Mortgage banking income
Total gains/losses for the period:
Included in earnings:	0	1	0
Loans held for investment | Interest and fee income
Total gains/losses for the period:
Included in earnings:	(3)	0	$ 0
Loans held for investment | Noninterest income
Total gains/losses for the period:
Included in earnings:	$ 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	Dec. 31, 2023	Dec. 31, 2022
Fair Value, Option, Quantitative Disclosures [Line Items]
Loans held for sale, fair value	$ 506	$ 520
Loans held for investment, fair value	174	185
Fair Value, Recurring
Fair Value, Option, Quantitative Disclosures [Line Items]
Loans held for sale, fair value	506	520
Loans held for investment, fair value	174	185
Fair Value, Recurring | Loans held for sale
Fair Value, Option, Quantitative Disclosures [Line Items]
Loans held for sale, aggregate unpaid principal	489	513
Difference	17	7
Fair Value, Recurring | Loans held for investment
Fair Value, Option, Quantitative Disclosures [Line Items]
Loans held for investment, fair value	174	185
Loans held for investment, aggregate unpaid principal	184	190
Difference	(10)	(5)
Fair Value, Recurring | 90 or more days | Loans 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, Recurring | 90 or more days | Loans held for investment
Fair Value, Option, Quantitative Disclosures [Line Items]
Loans held for investment, fair value	2	11
Loans held for investment, aggregate unpaid principal	3	11
Difference	$ 1	$ 0

FAIR VALUES OF ASSETS AND LIA_6

FAIR VALUES OF ASSETS AND LIABILITIES - Fair Value Option-Changes in Fair Value (Details) - Fair Value, Recurring - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Loans held for sale
Fair Value, Option, Quantitative Disclosures [Line Items]
Net gains (losses) from fair value changes	$ 10	$ (26)	$ (31)
Loans held for investment
Fair Value, Option, Quantitative Disclosures [Line Items]
Net gains (losses) from fair value changes	$ (5)	$ 1	$ (1)

FAIR VALUES OF ASSETS AND LIA_7

FAIR VALUES OF ASSETS AND LIABILITIES - Non-recurring/Fair Values of Financial Instruments (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans held for sale	$ 506	$ 520
Nonrecurring | Total Gains/(Losses)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Collateral-dependent loans, gains (losses)	(21)	(1)	$ (4)
Nonrecurring | Level 3 | Estimated Fair Value
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Collateral-dependent loans	$ 40	$ 16

FAIR VALUES OF ASSETS AND LIA_8

FAIR VALUES OF ASSETS AND LIABILITIES - Significant Unobservable Level 3 Inputs (Details) $ in Millions	Dec. 31, 2023 USD ($)	Dec. 31, 2022 USD ($)
Fair Value Inputs, Assets and Liabilities, Quantitative Information [Line Items]
Derivative assets gross	$ 1,723	$ 2,164
Recurring
Fair Value Inputs, Assets and Liabilities, Quantitative Information [Line Items]
MSRs	515	494
Recurring | Level 3
Fair Value Inputs, Assets and Liabilities, Quantitative Information [Line Items]
MSRs	515	494
Derivative assets gross	$ 3	$ 3
Residential MBS | Measurement Input, Constant Prepayment Rate | Recurring | Maximum | Valuation Technique, Discounted Cash Flow | Level 3
Fair Value Inputs, Assets and Liabilities, Quantitative Information [Line Items]
Servicing Asset, Measurement Input	0.37	0.40
Residential MBS | Measurement Input, Constant Prepayment Rate | Recurring | Minimum | Valuation Technique, Discounted Cash Flow | Level 3
Fair Value Inputs, Assets and Liabilities, Quantitative Information [Line Items]
Servicing Asset, Measurement Input	0.04	0.05
Residential MBS | Measurement Input, Constant Prepayment Rate | Recurring | Weighted Average | Valuation Technique, Discounted Cash Flow | Level 3
Fair Value Inputs, Assets and Liabilities, Quantitative Information [Line Items]
Servicing Asset, Measurement Input	0.09	0.07
Residential MBS | Measurement Input, Option Adjusted Spread | Recurring | Maximum | Valuation Technique, Discounted Cash Flow | Level 3
Fair Value Inputs, Assets and Liabilities, Quantitative Information [Line Items]
Servicing Asset, Measurement Input	0.13	0.13
Residential MBS | Measurement Input, Option Adjusted Spread | Recurring | Minimum | Valuation Technique, Discounted Cash Flow | Level 3
Fair Value Inputs, Assets and Liabilities, Quantitative Information [Line Items]
Servicing Asset, Measurement Input	0.05	0.05
Residential MBS | Measurement Input, Option Adjusted Spread | Recurring | Weighted Average | Valuation Technique, Discounted Cash Flow | Level 3
Fair Value Inputs, Assets and Liabilities, Quantitative Information [Line Items]
Servicing Asset, Measurement Input	0.05	0.06
Corporate obligations | Measurement Input, Discount Rate | Recurring | Maximum | Valuation Technique, Discounted Cash Flow | Level 3
Fair Value Inputs, Assets and Liabilities, Quantitative Information [Line Items]
Debt Securities, Available-for-sale, Measurement Input	0.06	0.05
Corporate obligations | Measurement Input, Discount Rate | Recurring | Minimum | Valuation Technique, Discounted Cash Flow | Level 3
Fair Value Inputs, Assets and Liabilities, Quantitative Information [Line Items]
Debt Securities, Available-for-sale, Measurement Input	0.04	0.05
Corporate obligations | Measurement Input, Discount Rate | Recurring | Weighted Average | Valuation Technique, Discounted Cash Flow | Level 3
Fair Value Inputs, Assets and Liabilities, Quantitative Information [Line Items]
Debt Securities, Available-for-sale, Measurement Input	0.05	0.05
Corporate obligations | Measurement Input, Default Rate | Recurring | Maximum | Valuation Technique, Discounted Cash Flow | Level 3
Fair Value Inputs, Assets and Liabilities, Quantitative Information [Line Items]
Debt Securities, Available-for-sale, Measurement Input	0.64	0.64
Corporate obligations | Measurement Input, Default Rate | Recurring | Minimum | Valuation Technique, Discounted Cash Flow | Level 3
Fair Value Inputs, Assets and Liabilities, Quantitative Information [Line Items]
Debt Securities, Available-for-sale, Measurement Input	0	0
Corporate obligations | Measurement Input, Default Rate | Recurring | Weighted Average | Valuation Technique, Discounted Cash Flow | Level 3
Fair Value Inputs, Assets and Liabilities, Quantitative Information [Line Items]
Debt Securities, Available-for-sale, Measurement Input	0.06	0.07
Corporate obligations | Measurement Input, Loss Severity | Recurring | Maximum | Valuation Technique, Discounted Cash Flow | Level 3
Fair Value Inputs, Assets and Liabilities, Quantitative Information [Line Items]
Debt Securities, Available-for-sale, Measurement Input	0.20	0.20
Corporate obligations | Measurement Input, Loss Severity | Recurring | Minimum | Valuation Technique, Discounted Cash Flow | Level 3
Fair Value Inputs, Assets and Liabilities, Quantitative Information [Line Items]
Debt Securities, Available-for-sale, Measurement Input	0.20	0.20
Corporate obligations | Measurement Input, Loss Severity | Recurring | Weighted Average | Valuation Technique, Discounted Cash Flow | Level 3
Fair Value Inputs, Assets and Liabilities, Quantitative Information [Line Items]
Debt Securities, Available-for-sale, Measurement Input	0.20	0.20

FAIR VALUES OF ASSETS AND LIA_9

FAIR VALUES OF ASSETS AND LIABILITIES - Balance Sheet Location (Details) (Details) - USD ($) $ in Millions		Dec. 31, 2023	Dec. 31, 2022
Financial Assets:
Available-for-sale securities		$ 25,305	$ 23,423
Held-to-maturity securities		15,750	17,052
Loans held for sale	[1]	516	529
Net loans and leases		119,727	117,402
Derivatives		393	356
Financial Liabilities:
Deposits		151,230	147,914
Short-term borrowings		620	2,027
Long-term borrowings		$ 12,394	$ 9,686
Derivative Liability, Statement of Financial Position [Extensible Enumeration]		Other Liabilities	Other Liabilities
Derivatives		$ 670	$ 992
Gross amounts of recognized assets		1,723	2,164
Derivative assets netting		(1,330)	(1,808)
Gross amounts of recognized liabilities		1,421	2,337
Derivative liabilities netting		(751)	(1,345)
Time deposits in excess of FDIC limit		1,400	462
Fair Value, Recurring
Financial Assets:
Trading account securities		125
Available-for-sale securities		25,305	23,423
Derivatives		393	356
Financial Liabilities:
Derivatives		670	992
Derivative assets netting		(1,330)	(1,808)
Derivative liabilities netting		(751)	(1,345)
Level 1 | Fair Value, Recurring
Financial Assets:
Trading account securities		91
Available-for-sale securities		2,856	103
Financial Liabilities:
Gross amounts of recognized assets		0	0
Gross amounts of recognized liabilities		0	0
Level 2 | Fair Value, Recurring
Financial Assets:
Trading account securities		34
Available-for-sale securities		19,019	19,978
Financial Liabilities:
Gross amounts of recognized assets		1,720	2,161
Gross amounts of recognized liabilities		1,416	2,332
Level 3 | Fair Value, Recurring
Financial Assets:
Trading account securities		0
Available-for-sale securities		3,430	3,342
Financial Liabilities:
Gross amounts of recognized assets		3	3
Gross amounts of recognized liabilities		5	5
Carrying Amount
Financial Assets:
Cash and short term assets		10,323	6,918
Trading account securities		125	19
Available-for-sale securities		25,305	23,423
Held-to-maturity securities		15,750	17,052
Other Securities		725	854
Loans held for sale		516	529
Net loans and leases		119,727	117,402
Derivatives		393	356
Assets held in trust for deferred compensation plans		177	155
Financial Liabilities:
Deposits		151,230	147,914
Short-term borrowings		620	2,027
Long-term borrowings		12,394	9,686
Derivatives		670	992
Fair Value
Financial Assets:
Cash and short term assets		10,323	6,918
Trading account securities		125	19
Available-for-sale securities		25,305	23,423
Held-to-maturity securities		13,718	14,754
Other Securities		725	854
Loans held for sale		516	529
Net loans and leases		116,781	112,591
Derivatives		393	356
Assets held in trust for deferred compensation plans		177	155
Financial Liabilities:
Deposits		151,183	147,796
Short-term borrowings		620	2,027
Long-term borrowings		12,276	9,564
Derivatives		670	992
Other securities		32	32
Fair Value | Level 1
Financial Assets:
Trading account securities		91	0
Available-for-sale securities		2,856	103
Held-to-maturity securities		0	0
Loans held for sale		0	0
Net loans and leases		0	0
Financial Liabilities:
Deposits		0	0
Short-term borrowings		0	0
Long-term borrowings		0	0
Other securities		30	31
Fair Value | Level 2
Financial Assets:
Trading account securities		34	19
Available-for-sale securities		19,019	19,978
Held-to-maturity securities		13,718	14,754
Loans held for sale		506	520
Net loans and leases		120	169
Financial Liabilities:
Deposits		135,627	142,081
Short-term borrowings		620	2,027
Long-term borrowings		8,929	8,680
Other securities		2	1
Fair Value | Level 3
Financial Assets:
Trading account securities		0	0
Available-for-sale securities		3,430	3,342
Held-to-maturity securities		0	0
Loans held for sale		10	9
Net loans and leases		116,661	112,422
Financial Liabilities:
Deposits		15,556	5,715
Short-term borrowings		0	0
Long-term borrowings		3,347	884
Other securities		0	0
Amortized Cost | Carrying Amount
Financial Assets:
Cash and short term assets		10,323	6,918
Held-to-maturity securities		15,750	17,052
Other Securities		693	822
Net loans and leases		119,553	117,217
Financial Liabilities:
Deposits		151,230	147,914
Short-term borrowings		620	2,027
Long-term borrowings		12,394	9,686
Lower of Cost or Market | Carrying Amount
Financial Assets:
Loans held for sale		10	9
Fair Value or Fair Value Option | Carrying Amount
Financial Assets:
Trading account securities		125	19
Available-for-sale securities		25,305	23,423
Other Securities		32	32
Loans held for sale		506	520
Net loans and leases		174	185
Derivatives		393	356
Assets held in trust for deferred compensation plans		177	155
Financial Liabilities:
Derivatives		$ 670	$ 992
[1] Amounts represent loans for which Huntington has elected the fair value option. See Note 19 - “ Fair Values of Assets and Liabilities .”

DERIVATIVE FINANCIAL INSTRUME_3

DERIVATIVE FINANCIAL INSTRUMENTS - Hedging instruments (Details) - USD ($) $ in Millions	Dec. 31, 2023	Dec. 31, 2022
Derivatives, Fair Value [Line Items]
Notional value	$ 38,192	$ 42,636
Asset derivatives included in accrued income and other assets
Total derivative assets	1,723	2,164
Liability derivatives included in accrued expenses and other liabilities
Total derivative liabilities	1,421	2,337
Accrued income and other assets
Asset derivatives included in accrued income and other assets
Interest rate contracts not designated as hedging instruments	718	968
Foreign exchange contracts not designated as hedging instruments	69	68
Commodities contracts not designated as hedging instruments	62	114
Derivative Instruments Not Designated as Hedging Instruments, Asset, at Fair Value	0	4
Total derivative assets	1,723	2,164
Accrued expenses and other liabilities
Liability derivatives included in accrued expenses and other liabilities
Interest rate contracts not designated as hedging instruments	757	1,008
Foreign exchange contracts not designated as hedging instruments	76	68
Commodities contracts not designated as hedging instruments	60	113
Equity contracts not designated as hedging instruments	7	3
Total derivative liabilities	1,421	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	868	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	519	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	6	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
Credit contracts
Liability derivatives included in accrued expenses and other liabilities
Equity contracts not designated as hedging instruments	2
Credit contracts | Accrued income and other assets
Asset derivatives included in accrued income and other assets
Derivative Instruments Not Designated as Hedging Instruments, Asset, at Fair Value	0	0
Credit contracts | Accrued expenses and other liabilities
Liability derivatives included in accrued expenses and other liabilities
Equity contracts not designated as hedging instruments	2	0
Derivatives designated as Hedging Instruments | Interest rate contracts | Accrued income and other assets
Derivatives, Fair Value [Line Items]
Notional value	38,017	42,461
Derivatives designated as Hedging Instruments | Foreign exchange contracts | Accrued income and other assets
Derivatives, Fair Value [Line Items]
Notional value	222	202
Derivatives not designated as Hedging Instruments | Accrued income and other assets
Derivatives, Fair Value [Line Items]
Notional value	86,843	86,512
Derivatives not designated as Hedging Instruments | Interest rate contracts | Accrued income and other assets
Derivatives, Fair Value [Line Items]
Notional value	41,526	37,562
Derivatives not designated as Hedging Instruments | Foreign exchange contracts | Accrued income and other assets
Derivatives, Fair Value [Line Items]
Notional value	5,257	4,889
Derivatives not designated as Hedging Instruments | Credit contracts | Accrued income and other assets
Derivatives, Fair Value [Line Items]
Notional value	381	0
Derivatives not designated as Hedging Instruments | Commodities contracts | Accrued income and other assets
Derivatives, Fair Value [Line Items]
Notional value	681	762
Derivatives not designated as Hedging Instruments | Equity contracts | Accrued income and other assets
Derivatives, Fair Value [Line Items]
Notional value	$ 759	$ 636

DERIVATIVE FINANCIAL INSTRUME_4

DERIVATIVE FINANCIAL INSTRUMENTS - Gain (Loss) (Details) - Derivatives not designated as Hedging Instruments - Fair Value Hedging - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Interest rate contracts
Derivative Instruments, Gain (Loss) [Line Items]
Derivative gain (loss)	$ 31	$ (21)	$ 132
Interest rate contracts | Capital markets fees
Derivative Instruments, Gain (Loss) [Line Items]
Derivative gain (loss)	30	47	50
Interest rate contracts | Mortgage banking income
Derivative Instruments, Gain (Loss) [Line Items]
Derivative gain (loss)	(10)	(109)	(26)
Interest rate floors | Interest and fee income on loans and leases
Derivative Instruments, Gain (Loss) [Line Items]
Derivative gain (loss)	0	0	(8)
Interest rate caps | Interest expense on long-term debt
Derivative Instruments, Gain (Loss) [Line Items]
Derivative gain (loss)	0	0	89
Interest rate swaptions | Other noninterest income
Derivative Instruments, Gain (Loss) [Line Items]
Derivative gain (loss)	(24)	0	0
Foreign exchange contracts | Capital markets fees
Derivative Instruments, Gain (Loss) [Line Items]
Derivative gain (loss)	45	45	32
Commodities contracts | Capital markets fees
Derivative Instruments, Gain (Loss) [Line Items]
Derivative gain (loss)	5	5	3
Equity contracts | Other noninterest expense
Derivative Instruments, Gain (Loss) [Line Items]
Derivative gain (loss)	(13)	(9)	(8)
Credit contracts | Other noninterest income
Derivative Instruments, Gain (Loss) [Line Items]
Derivative gain (loss)	$ (2)	$ 0	$ 0

DERIVATIVE FINANCIAL INSTRUME_5

DERIVATIVE FINANCIAL INSTRUMENTS - Asset and Liability Management (Details) - USD ($) $ in Millions	Dec. 31, 2023	Dec. 31, 2022
Notional Disclosures [Abstract]
Notional value	$ 38,192	$ 42,636
Derivatives designated as economic hedge
Notional Disclosures [Abstract]
Notional value	175	175
Fair Value Hedging
Notional Disclosures [Abstract]
Notional value	21,342	18,136
Cash Flow Hedging
Notional Disclosures [Abstract]
Notional value	16,675	24,325
Loans
Notional Disclosures [Abstract]
Notional value	16,850	24,500
Loans | Derivatives designated as 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	16,675	24,325
Investment securities
Notional Disclosures [Abstract]
Notional value	11,649	10,407
Investment securities | Derivatives designated as economic hedge
Notional Disclosures [Abstract]
Notional value	0	0
Investment securities | Fair Value Hedging | Derivatives designated as Hedging Instruments
Notional Disclosures [Abstract]
Notional value	11,649	10,407
Investment securities | Cash Flow Hedging | Derivatives designated as Hedging Instruments
Notional Disclosures [Abstract]
Notional value	0	0
Long-term debt
Notional Disclosures [Abstract]
Notional value	9,693	7,729
Long-term debt | Derivatives designated as 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	9,693	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 - Asset and Liability Management Add Info (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Increase decrease to net interest income due to derivative adjustment	$ (248)	$ 76	$ 337

DERIVATIVE FINANCIAL INSTRUME_7

DERIVATIVE FINANCIAL INSTRUMENTS - Fair Value Hedges (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Derivative Instruments, Gain (Loss) [Line Items]
Fair value hedge	$ 662
Hedged asset, fair value hedge, last-of-layer, cumulative increase (decrease)	619	$ 849
Fair value hedging adjustments	(69)	(70)
Investment Securities
Derivative Instruments, Gain (Loss) [Line Items]
Designated hedged items	11,000
Amortized Cost	18,241	18,029
Cumulative Amount of Fair Value Hedging Adjustment To Hedged Items	(698)	(979)
Amortized cost basis of the closed portfolios used in hedging relationships	17,600
Hedged asset, fair value hedge, last-of-layer, cumulative increase (decrease)	(619)
Subordinated notes
Derivative Instruments, Gain (Loss) [Line Items]
Amortized Cost	9,909	7,175
Cumulative Amount of Fair Value Hedging Adjustment To Hedged Items	(115)	(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	(284)	875	$ 108
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	282	(862)	(114)
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	141	(300)	(184)
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	$ (141)	$ 300	$ 187

DERIVATIVE FINANCIAL INSTRUME_8

DERIVATIVE FINANCIAL INSTRUMENTS - Cash Flow Hedges (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
Derivative Instruments, Gain (Loss) [Line Items]
Notional value	$ 38,192	$ 42,636
Net gains recognized in AOCI expected to be reclassified into earnings within the next twelve months	(236)
Cash Flow Hedging
Derivative Instruments, Gain (Loss) [Line Items]
Notional value	16,675	24,325
Investment securities
Derivative Instruments, Gain (Loss) [Line Items]
Notional value	$ 11,649	$ 10,407

DERIVATIVE FINANCIAL INSTRUME_9

DERIVATIVE FINANCIAL INSTRUMENTS - MSR Hedging Activities (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Derivative Instruments and Hedging Activities Disclosures [Line Items]
Notional value	$ 38,192	$ 42,636
Commitments to Sell Loans [Member]
Derivative Instruments and Hedging Activities Disclosures [Line Items]
Commitments to sell residential real estate loans	674	766
Derivative used in Mortgage Banking Activities
Derivative Instruments and Hedging Activities Disclosures [Line Items]
Notional value	1,668	1,120
Trading assets	0	4
Trading Liabilities	(69)	(78)
Trading (losses) gains	$ (10)	$ (109)	$ (26)

DERIVATIVE FINANCIAL INSTRUM_10

DERIVATIVE FINANCIAL INSTRUMENTS - Offsetting Assets (Details) - USD ($) $ in Millions	Dec. 31, 2023	Dec. 31, 2022
Derivative Asset [Abstract]
Gross amounts of recognized assets	$ 1,723	$ 2,164
Derivative Asset, Fair Value, Gross Liability and Obligation to Return Cash, Offset	(1,330)	(1,808)
Derivative Asset, Total	393	356
Derivative Asset, Fair Value, Amount Not Offset Against Collateral [Abstract]
Gross amounts not offset in the statement of financial position - financial instruments	(45)	(7)
Gross amounts not offset in the statement of financial position - cash collateral received	(4)	(56)
Net amount	$ 344	$ 293
Derivative Asset, Statement of Financial Position [Extensible Enumeration]	Other assets	Other assets

DERIVATIVE FINANCIAL INSTRUM_11

DERIVATIVE FINANCIAL INSTRUMENTS - Offsetting Liabilities (Details) - USD ($) $ in Millions	Dec. 31, 2023	Dec. 31, 2022
Derivative Liability [Abstract]
Gross amounts of recognized liabilities	$ 1,421	$ 2,337
Derivative Liability, Fair Value, Gross Asset and Right to Reclaim Cash, Offset	(751)	(1,345)
Derivative Liability, Total	670	992
Derivative Liability, Fair Value, Amount Not Offset Against Collateral [Abstract]
Gross amounts not offset in the consolidated balance sheets, financial instruments	0	(79)
Gross amounts not offset in the consolidated balance sheets, cash collateral received	(93)	(118)
Net amount	$ 577	$ 795

DERIVATIVE FINANCIAL INSTRUM_12

DERIVATIVE FINANCIAL INSTRUMENTS - Narrative (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Derivative [Line Items]
Increase (decrease) to net interest income due to derivative adjustment	$ (248)	$ 76	$ 337
Purchase of interest rate caps and derivative financial instruments, notional value	38,192	42,636
Credit risks from interest rate swaps used for trading purposes	122	118
Derivative liabilities	670	992
Aggregate credit risk, net of collateral	238	227
Investment securities and cash collateral pledged by Huntington	206
Investment securities and cash collateral pledged to company	745
Investment securities
Derivative [Line Items]
Purchase of interest rate caps and derivative financial instruments, notional value	11,649	10,407
Cash Flow Hedging
Derivative [Line Items]
Purchase of interest rate caps and derivative financial instruments, notional value	16,675	24,325
Cash Flow Hedging | Derivatives designated as Hedging Instruments | Investment securities
Derivative [Line Items]
Purchase of interest rate caps and derivative financial instruments, notional value	0	0
Derivative used in trading activity
Derivative [Line Items]
Net derivative asset (liability)	47	59
Derivative financial instruments used by Huntington on behalf of customers including offsetting derivatives, notional value	44,500	40,700
Derivative used in Mortgage Banking Activities
Derivative [Line Items]
Purchase of interest rate caps and derivative financial instruments, notional value	1,668	1,120
Net asset position	(4)	(3)
Investment Securities
Derivative [Line Items]
Designated hedged items	11,000
Commitments to Sell Loans
Derivative [Line Items]
Commitments to sell residential real estate loans	$ 674	$ 766

VARIABLE INTEREST ENTITIES - Un

VARIABLE INTEREST ENTITIES - Unconsolidated VIEs (Details) - USD ($) $ in Millions	Dec. 31, 2023	Dec. 31, 2022
Variable Interest Entity [Line Items]
Total assets	$ 189,368	$ 182,906
Total Liabilities	169,970	165,137
Variable Interest Entity, Not Primary Beneficiary
Variable Interest Entity [Line Items]
Total assets	3,205	2,572
Total Liabilities	1,667	1,649
Maximum Exposure to Loss	3,191	2,558
Affordable Housing Tax Credit Partnerships | Variable Interest Entity, Not Primary Beneficiary
Variable Interest Entity [Line Items]
Total assets	2,297	2,036
Total Liabilities	1,279	1,260
Maximum Exposure to Loss	2,297	2,036
Trust Preferred Securities | Variable Interest Entity, Not Primary Beneficiary
Variable Interest Entity [Line Items]
Total assets	14	14
Total Liabilities	248	248
Maximum Exposure to Loss	0	0
Other Investments | Variable Interest Entity, Not Primary Beneficiary
Variable Interest Entity [Line Items]
Total assets	894	522
Total Liabilities	140	141
Maximum Exposure to Loss	$ 894	$ 522

VARIABLE INTEREST ENTITIES - Na

VARIABLE INTEREST ENTITIES - Narrative (Details)	12 Months Ended
	Dec. 31, 2023
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Maximum year to defer payment of interest on Debenture	5 years

VARIABLE INTEREST ENTITIES - Lo

VARIABLE INTEREST ENTITIES - Low Income Housing Tax Credit Partnerships (Details) - Variable Interest Entity, Not Primary Beneficiary - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Affordable Housing Tax Credit Partnerships
Variable Interest Entity [Line Items]
Affordable housing tax credit investments	$ 3,335	$ 2,891
Less: amortization	(1,038)	(855)
Net affordable housing tax credit investments	2,297	2,036
Unfunded commitments	1,279	1,260
Tax credits and other tax benefits recognized	260	203	$ 144
Proportional Amortization Method
Variable Interest Entity [Line Items]
Proportional amortization expense included in provision for income taxes	$ 205	$ 170	$ 126

COMMITMENTS AND CONTINGENT LI_3

COMMITMENTS AND CONTINGENT LIABILITIES - Commitments to Extend Credit (Details) - USD ($) $ in Millions	Dec. 31, 2023	Dec. 31, 2022
Commercial
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Contract amount represents credit risk	$ 32,344	$ 32,500
Other consumer
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Contract amount represents credit risk	19,270	19,064
Commercial real estate
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Contract amount represents credit risk	2,543	3,393
Standby letters of credit and guarantees on industrial revenue bonds
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Contract amount represents credit risk	814	714
Commercial | Commercial letters of credit
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Contract amount represents credit risk	$ 9	$ 15

COMMITMENTS AND CONTINGENT LI_4

COMMITMENTS AND CONTINGENT LIABILITIES - Narrative (Details) - USD ($) $ in Millions	Dec. 31, 2023	Dec. 31, 2022
Standby letters of credit and guarantees on industrial revenue bonds
Loss Contingencies [Line Items]
Outstanding standby letters of credit	$ 9	$ 27
Minimum
Loss Contingencies [Line Items]
Reasonably possible loss	0
Maximum
Loss Contingencies [Line Items]
Reasonably possible loss	$ 20

OTHER REGULATORY MATTERS (Detai

OTHER REGULATORY MATTERS (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Common Equity Tier One Risk Based Capital Required for Capital Adequacy to Risk Weighted Assets	4.50%
Common Equity Tier One Risk Based Capital Conservation Buffer Plus Capital Required for Capital Adequacy to Risk Weighted Assets	7.70%	7.80%
Common Equity Tier One Capital Ratio	0.1025	0.0936
Common Equity Tier One Capital	$ 14,212	$ 13,290
Tier One Risk Based Capital Required for Capital Adequacy to Risk Weighted Assets	0.0600
Tier One Risk Based Capital Conservation Buffer Plus Capital Required for Capital Adequacy to Risk Weighted Assets	9.20%	9.30%
Tier One Risk Based Capital Required to be Well Capitalized to Risk Weighted Assets	0.0600
Tier One Risk Based Capital to Risk Weighted Assets	0.1198	0.1090
Tier One Leverage Capital	$ 16,616	$ 15,467
Tier One Risk Based Capital	$ 16,616	$ 15,467
Capital Required for Capital Adequacy to Risk Weighted Assets	0.0800
Capital Conservation Buffer Plus Capital required for Capital Adequacy to Risk Weighted Assets	11.20%	11.30%
Capital Required to be Well Capitalized to Risk Weighted Assets	0.1000
Capital to Risk Weighted Assets	0.1417	0.1309
Capital	$ 19,657	$ 18,573
Tier One Leverage Capital Required for Capital Adequacy to Average Assets	0.0400
Tier One Leverage Capital to Average Assets	0.0932	0.0860
Stress capital buffer	3.20%	3.30%
Capital conservation buffer	0.025	0.025
Bank
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Common Equity Tier One Risk Based Capital Required for Capital Adequacy to Risk Weighted Assets	4.50%
Common Equity Tier One Risk Based Capital Conservation Buffer Plus Capital Required for Capital Adequacy to Risk Weighted Assets	7%	7%
Common Equity Tier One Risked Based Capital Required to be Well Capitalized to Risk Weighted Assets	6.50%
Common Equity Tier One Capital Ratio	0.1060	0.0998
Common Equity Tier One Capital	$ 14,671	$ 14,133
Tier One Risk Based Capital Required for Capital Adequacy to Risk Weighted Assets	0.0600
Tier One Risk Based Capital Conservation Buffer Plus Capital Required for Capital Adequacy to Risk Weighted Assets	8.50%	8.50%
Tier One Risk Based Capital Required to be Well Capitalized to Risk Weighted Assets	0.0800
Tier One Risk Based Capital to Risk Weighted Assets	0.1147	0.1083
Tier One Leverage Capital	$ 15,879	$ 15,334
Capital Required for Capital Adequacy to Risk Weighted Assets	0.0800
Capital Conservation Buffer Plus Capital required for Capital Adequacy to Risk Weighted Assets	10.50%	10.50%
Capital Required to be Well Capitalized to Risk Weighted Assets	0.1000
Capital to Risk Weighted Assets	0.1309	0.1247
Capital	$ 18,126	$ 17,647
Tier One Leverage Capital Required for Capital Adequacy to Average Assets	0.0400
Tier One Leverage Capital Required to be Well Capitalized to Average Assets	0.0500
Tier One Leverage Capital to Average Assets	0.0851	0.0854

OTHER REGULATORY MATTERS - Narr

OTHER REGULATORY MATTERS - Narrative (Details) $ in Millions	Dec. 31, 2023 USD ($)
BankingRegulation [Abstract]
Amount bank could lend to single affiliate	$ 1,800

PARENT-ONLY FINANCIAL STATEME_3

PARENT-ONLY FINANCIAL STATEMENTS - Balance Sheet (Details) - USD ($) $ in Millions	Dec. 31, 2023	Dec. 31, 2022
Assets
Accrued interest receivable and other assets	$ 5,150	$ 4,944
Total assets	189,368	182,906
Liabilities and shareholders’ equity
Long-term borrowings	12,394	9,686
Other liabilities	5,726	5,510
Total liabilities	169,970	165,137
Shareholders’ equity	19,353	17,731
Total liabilities and shareholders’ equity	189,368	182,906
Parent Company
Assets
Cash and due from banks	4,001	3,525
Due from The Huntington National Bank	2,163	969
Due from non-bank subsidiaries	25	25
Investment in The Huntington National Bank	18,388	17,384
Investment in non-bank subsidiaries	263	242
Accrued interest receivable and other assets	718	664
Total assets	25,558	22,809
Liabilities and shareholders’ equity
Long-term borrowings	4,993	3,980
Other liabilities	1,212	1,098
Total liabilities	6,205	5,078
Shareholders’ equity	19,353	17,731
Total liabilities and shareholders’ equity	$ 25,558	$ 22,809

PARENT-ONLY FINANCIAL STATEME_4

PARENT-ONLY FINANCIAL STATEMENTS - Income Statement (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Interest from:
Other noninterest income	$ 80	$ 43	$ 76
Expense
Personnel costs	2,529	2,401	2,335
Other	338	342	323
Total noninterest expense	4,574	4,201	4,375
Provision (benefit) for income taxes	413	515	294
Increase in undistributed net income of:
Net income attributable to Huntington Bancshares Inc	1,951	2,238	1,295
Translation adjustments, net of hedges	422	(2,869)	(421)
Comprehensive (loss) income attributable to Huntington Bancshares	2,373	(631)	874
Parent Company
Dividends from:
The Huntington National Bank	1,706	1,566	1,394
Non-bank subsidiaries	27	19	19
Interest from:
The Huntington National Bank	77	16	3
Non-bank subsidiaries	2	1	1
Other noninterest income	(1)	(1)	0
Total income	1,811	1,601	1,417
Expense
Personnel costs	5	8	6
Interest on borrowings	252	107	60
Other	191	169	230
Total noninterest expense	448	284	296
Income before income taxes	1,363	1,317	1,121
Provision (benefit) for income taxes	(75)	(44)	(56)
Income before equity in undistributed net income of subsidiaries	1,438	1,361	1,177
Increase in undistributed net income of:
The Huntington National Bank	486	853	97
Non-bank subsidiaries	27	24	21
Net income attributable to Huntington Bancshares Inc	1,951	2,238	1,295
Translation adjustments, net of hedges	422	(2,869)	(421)
Comprehensive (loss) income attributable to Huntington Bancshares	$ 2,373	$ (631)	$ 874

PARENT-ONLY FINANCIAL STATEME_5

PARENT-ONLY FINANCIAL STATEMENTS - Cash Flow Statement (Details) - USD ($) $ in Millions		12 Months Ended
		Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Operating activities
Net income attributable to Huntington Bancshares Inc		$ 1,951	$ 2,238	$ 1,295
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation and amortization		798	484	391
Net cash provided by operating activities		2,657	4,027	2,062
Investing activities
Sales of available-for-sale securities		767	0	5,892
Net cash (paid) received from business combination		0		466
Other, net		88	151	119
Net cash used in investing activities		(2,997)	(11,609)	(3,962)
Financing activities
Net proceeds from issuance of long-term debt		14,965	11,004	775
Payment of long-term debt		(12,376)	(8,017)	(3,404)
Repurchases of common stock		0	0	(650)
Net proceeds from issuance of preferred stock		317	0	486
Repurchase/redemption of preferred stock		(82)	0	(700)
Other, net		(46)	(25)	(48)
Net cash provided by financing activities		3,765	8,764	827
Increase (decrease) in cash and cash equivalents		3,425	1,182	(1,073)
Cash and cash equivalents at beginning of period	[1]	6,704	5,522	6,595
Cash and cash equivalents at end of period	[1]	10,129	6,704	5,522
Supplemental Cash Flow Information [Abstract]
Interest paid		3,359	627	185
Parent Company
Operating activities
Net income attributable to Huntington Bancshares Inc		1,951	2,238	1,295
Adjustments to reconcile net income to net cash provided by operating activities:
Equity in undistributed net income of subsidiaries		(513)	(877)	(118)
Depreciation and amortization		0	(22)	23
Other, net		192	(55)	(217)
Net cash provided by operating activities		1,630	1,284	983
Investing activities
Repayments from subsidiaries		503	14	8
Advances to subsidiaries		(1,753)	(503)	(59)
Sales of available-for-sale securities		0	(20)	(28)
Net cash (paid) received from business combination		0	(194)	248
Other, net		(10)	(1)	0
Net cash used in investing activities		(1,260)	(704)	169
Financing activities
Net proceeds from issuance of long-term debt		1,250	1,144	513
Payment of long-term debt		(323)	0	(1,508)
Net proceeds from issuance of long-term borrowings		(1,034)	(1,010)	(888)
Repurchases of common stock		0	0	(650)
Net proceeds from issuance of preferred stock		317	0	486
Repurchase/redemption of preferred stock		(82)	0	(700)
Other, net		(22)	(21)	(39)
Net cash provided by financing activities		106	113	(2,786)
Increase (decrease) in cash and cash equivalents		476	693	(1,634)
Cash and cash equivalents at beginning of period		3,525	2,832	4,466
Cash and cash equivalents at end of period		4,001	3,525	2,832
Supplemental Cash Flow Information [Abstract]
Interest paid		$ 228	$ 89	$ 71
[1]Includes cash and due from banks and interest-earning deposits at the Federal Reserve Bank, included within Interest-earning deposits with banks on our Consolidated Balance Sheets.

SEGMENT REPORTING (Details)

SEGMENT REPORTING (Details) $ in Millions	3 Months Ended	12 Months Ended
	Jun. 30, 2023 business_unit	Dec. 31, 2023 USD ($) segment	Dec. 31, 2022 USD ($)	Dec. 31, 2021 USD ($)
Segment Reporting Information [Line Items]
Number of reportable segments	2	2
Net interest income		$ 5,439	$ 5,273	$ 4,102
Provision (benefit) for loan and lease losses		402	289	25
Noninterest income		1,921	1,981	1,889
Noninterest expense		4,574	4,201	4,375
Provision (benefit) for income taxes		413	515	294
Income attributable to non-controlling interest		20	11	2
Net income attributable to Huntington Bancshares Inc		1,951	2,238	1,295
Total assets		189,368	182,906
Deposits		151,230	147,914
Operating Segments | Consumer & Regional Banking
Segment Reporting Information [Line Items]
Net interest income		3,717	3,213	3,103
Provision (benefit) for loan and lease losses		246	260	2
Noninterest income		1,257	1,272	1,289
Noninterest expense		3,064	2,924	2,698
Provision (benefit) for income taxes		349	274	355
Income attributable to non-controlling interest		0	0	0
Net income attributable to Huntington Bancshares Inc		1,315	1,027	1,337
Total assets		73,082	70,268
Deposits		110,157	105,064
Operating Segments | Commercial Banking
Segment Reporting Information [Line Items]
Net interest income		2,162	1,807	1,483
Provision (benefit) for loan and lease losses		156	29	23
Noninterest income		646	667	519
Noninterest expense		1,134	1,056	787
Provision (benefit) for income taxes		319	292	251
Income attributable to non-controlling interest		20	10	2
Net income attributable to Huntington Bancshares Inc		1,179	1,087	939
Total assets		63,377	63,611
Deposits		35,466	36,807
Treasury / Other
Segment Reporting Information [Line Items]
Net interest income		(440)	253	(484)
Provision (benefit) for loan and lease losses		0	0	0
Noninterest income		18	42	81
Noninterest expense		376	221	890
Provision (benefit) for income taxes		(255)	(51)	(312)
Income attributable to non-controlling interest		0	1	0
Net income attributable to Huntington Bancshares Inc		(543)	124	$ (981)
Total assets		52,909	49,027
Deposits		$ 5,607	$ 6,043