Huntington Bancshares (HBAN) 10-Q 30 Apr 24 2024 Q1 Quarterly report Financial data

Cover Page

Cover Page	3 Months Ended
	Mar. 31, 2024 shares
Entity Information [Line Items]
Document Type	10-Q
Document Quarterly Report	true
Document Period End Date	Mar. 31, 2024
Document Transition Report	false
Entity Registrant Name	Huntington Bancshares Incorporated
Entity Incorporation, State or Country Code	MD
Entity File Number	1-34073
Entity Tax Identification Number	31-0724920
Entity Address, Address Line One	41 South High Street
Entity Address, City or Town	Columbus
Entity Address, State or Province	OH
Entity Address, Postal Zip Code	43287
City Area Code	614
Local Phone Number	480-2265
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Large Accelerated Filer
Entity Small Business	false
Entity Emerging Growth Company	false
Entity Shell Company	false
Entity Common Stock, Shares Outstanding	1,449,254,147
Entity Central Index Key	0000049196
Amendment Flag	false
Document Fiscal Year Focus	2024
Document Fiscal Period Focus	Q1
Current Fiscal Year End Date	--12-31
Series H Preferred Stock
Entity Information [Line Items]
Title of 12(b) Security	Depositary Shares (each representing a 1/40th interest in a share of 4.500% Series H Non-Cumulative, perpetual preferred stock)
Trading Symbol	HBANP
Security Exchange Name	NASDAQ
Series I Preferred Stock
Entity Information [Line Items]
Title of 12(b) Security	Depositary Shares (each representing a 1/1000th interest in a share of 5.70% Series I Non-Cumulative, perpetual preferred stock)
Trading Symbol	HBANM
Security Exchange Name	NASDAQ
Series J Preferred Stock
Entity Information [Line Items]
Title of 12(b) Security	Depositary Shares (each representing a 1/40th interest in a share of 6.875% Series J Non-Cumulative, perpetual preferred stock)
Trading Symbol	HBANL
Security Exchange Name	NASDAQ
Common Stock-Par Value $0.01 per share
Entity Information [Line Items]
Title of 12(b) Security	Common Stock—Par Value $0.01 per Share
Trading Symbol	HBAN
Security Exchange Name	NASDAQ

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($) $ in Millions		Mar. 31, 2024		Dec. 31, 2023
Assets
Cash and due from banks		$ 1,189		$ 1,558
Interest-earning deposits with banks		11,216		8,765
Trading account securities		167		125
Available-for-sale securities		26,801		25,305
Held-to-maturity securities		15,416		15,750
Other securities		727		725
Loans held for sale	[1]	490		516
Loans and leases	[1]	122,767		121,982
Allowance for loan and lease losses		(2,280)		(2,255)
Net loans and leases		120,487	[2]	119,727
Bank owned life insurance		2,767		2,759
Accrued income and other receivables		1,616		1,646
Premises and equipment		1,095		1,109
Goodwill		5,561		5,561
Servicing rights and other intangible assets		677		672
Other assets	[2]	5,310		5,150
Total assets		193,519		189,368
Liabilities
Demand deposits—noninterest-bearing		29,739		30,967
Interest-bearing		123,486		120,263
Total deposits		153,225		151,230
Short-term borrowings		182		620
Long-term debt		14,894	[2]	12,394
Other liabilities	[2]	5,845		5,726
Total liabilities		174,146		169,970
Commitments and Contingent Liabilities (Note 15)
Shareholders’ Equity
Preferred stock		2,394		2,394
Common stock		15		15
Capital surplus		15,407		15,389
Less treasury shares, at cost		(91)		(91)
Accumulated other comprehensive income (loss)		(2,879)		(2,676)
Retained earnings		4,476		4,322
Total Huntington shareholders’ equity		19,322		19,353
Non-controlling interest		51		45
Total equity		19,373		19,398
Total liabilities and equity		$ 193,519		$ 189,368
Common shares authorized (in shares)		2,250,000,000		2,250,000,000
Common share outstanding (in shares)		1,449,254,147		1,448,319,953
Treasury shares outstanding (in shares)		7,413,634		7,403,008
Preferred stock, authorized shares (in shares)		6,617,808		6,617,808
Preferred shares outstanding (in shares)		881,587		881,587
[1] Amounts represent loans for which Huntington has elected the fair value option. See Note 12 - “ Fair Values of Assets and Liabilities ”. Includes VIE balances in net loans and leases and long-term debt of $1.5 billion and $1.4 billion, respectively, at March 31, 2024, and VIE balances in other assets of $136 million and $82 million, and other liabilities of $55 million and $57 million, at March 31, 2024 and December 31, 2023, respectively. See Note 14 - “ Variable Interest Entities ” for additional information.

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parenthetical) - USD ($) $ in Millions		Mar. 31, 2024		Dec. 31, 2023
Assets
Loans held for sale, fair value		$ 487		$ 506
Loans and leases, fair value		$ 175		$ 174
Shareholders’ Equity
Common stock, par value (in usd per share)		$ 0.01		$ 0.01
Net loans and leases		$ 120,487	[1]	$ 119,727
Long-term debt		14,894	[1]	12,394
Other assets	[1]	5,310		5,150
Other liabilities	[1]	5,845		5,726
Consolidated VIE
Net loans and leases		1,537		0
Long-term debt		1,401		0
Other assets		136		82
Other liabilities		$ 55		$ 57
[1] Includes VIE balances in net loans and leases and long-term debt of $1.5 billion and $1.4 billion, respectively, at March 31, 2024, and VIE balances in other assets of $136 million and $82 million, and other liabilities of $55 million and $57 million, at March 31, 2024 and December 31, 2023, respectively. See Note 14 - “ Variable Interest Entities ” for additional information.

Consolidated Statements of Inco

Consolidated Statements of Income - USD ($) shares in Thousands, $ in Millions	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
Interest and fee income:
Loans and leases	$ 1,809	$ 1,579
Available-for-sale securities
Taxable	296	232
Tax-exempt	27	23
Held-to-maturity securities—taxable	95	102
Other securities—taxable	9	10
Other	144	82
Total interest income	2,380	2,028
Interest expense:
Deposits	857	406
Short-term borrowings	19	60
Long-term debt	217	153
Total interest expense	1,093	619
Net interest income	1,287	1,409
Provision for credit losses	107	85
Net interest income after provision for credit losses	1,180	1,324
Payments and cash management revenue	146	137
Wealth and asset management revenue	88	80
Customer deposit and loan fees	77	76
Capital markets and advisory fees	56	65
Leasing revenue	22	26
Mortgage banking income	31	26
Insurance income	19	19
Bank owned life insurance income	16	16
Gain on sale of loans	5	3
Net gains on sales of securities	0	1
Other noninterest income	7	63
Total noninterest income	467	512
Personnel costs	639	649
Outside data processing and other services	166	151
Deposit and other insurance expense	54	20
Equipment	70	64
Net occupancy	57	60
Marketing	28	25
Professional services	25	16
Amortization of intangibles	12	13
Lease financing equipment depreciation	4	8
Other noninterest expense	82	80
Total noninterest expense	1,137	1,086
Income before income taxes	510	750
Provision for income taxes	86	144
Income after income taxes	424	606
Income attributable to non-controlling interest	5	4
Net income attributable to Huntington	419	602
Dividends on preferred shares	36	29
Net income available to common shareholders, basic	$ 383	$ 573
Average common shares—basic (in shares)	1,448,492	1,443,268
Average common shares—diluted (in shares)	1,473,335	1,469,279
Per common share:
Net income—basic (in usd per share)	$ 0.26	$ 0.40
Net income—diluted (in usd per share)	$ 0.26	$ 0.39

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
Statement of Comprehensive Income [Abstract]
Net income attributable to Huntington	$ 419	$ 602
Other comprehensive income (loss), net of tax:
Net unrealized gains (losses) on available-for-sale securities	(128)	154
Net change related to cash flow hedges on loans	(73)	189
Translation adjustments, net of hedges	(2)	0
Other comprehensive income (loss), net of tax	(203)	343
Comprehensive income attributable to Huntington	216	945
Comprehensive income attributed to non-controlling interest	5	4
Comprehensive income	$ 221	$ 949

Consolidated Statements of Chan

Consolidated Statements of Changes in Shareholders' Equity - USD ($) $ in Millions	Total	Huntington Shareholders’ Equity	Preferred Stock	Common Stock	Capital Surplus	Treasury Stock	AOCI	Retained Earnings	Non-controlling Interest
Balance, beginning of period at Dec. 31, 2022	$ 17,769	$ 17,731	$ 2,167	$ 14	$ 15,309	$ (80)	$ (3,098)	$ 3,419	$ 38
Balance, beginning of period, common stock (in shares) at Dec. 31, 2022				1,449,390,000
Balance, beginning of period, treasury stock (in shares) at Dec. 31, 2022						(6,322,000)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	606	602						602	4
Other comprehensive income (loss), net of tax	343	343					343
Net proceeds from issuance of Series J preferred stock	317	317	317
Cash dividends declared:
Common	(228)	(228)						(228)
Preferred	(29)	(29)						(29)
Recognition of the fair value of share-based compensation	25	25			25
Other share-based compensation activity (in shares)				690,000
Other share-based compensation activity	(1)	(1)		$ 1	(2)
Other (in shares)						(143,000)
Other	9	(2)				$ (2)			11
Balance, end of period at Mar. 31, 2023	18,811	18,758	2,484	$ 15	15,332	$ (82)	(2,755)	3,764	53
Balance, end of period, common stock (in shares) at Mar. 31, 2023				1,450,080,000
Balance, end of period, treasury stock (in shares) at Mar. 31, 2023						(6,465,000)
Balance, beginning of period at Dec. 31, 2023	$ 19,398	19,353	2,394	$ 15	15,389	$ (91)	(2,676)	4,322	45
Balance, beginning of period, common stock (in shares) at Dec. 31, 2023	1,448,319,953			1,455,723,000
Balance, beginning of period, treasury stock (in shares) at Dec. 31, 2023	(7,403,008)					(7,403,000)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	$ 424	419						419	5
Other comprehensive income (loss), net of tax	(203)	(203)					(203)
Cash dividends declared:
Common	(228)	(228)						(228)
Preferred	(36)	(36)						(36)
Recognition of the fair value of share-based compensation	20	20			20
Other share-based compensation activity (in shares)				945,000
Other share-based compensation activity	(3)	(3)			(2)			(1)
Other (in shares)						(11,000)
Other	1								1
Balance, end of period at Mar. 31, 2024	$ 19,373	$ 19,322	$ 2,394	$ 15	$ 15,407	$ (91)	$ (2,879)	$ 4,476	$ 51
Balance, end of period, common stock (in shares) at Mar. 31, 2024	1,449,254,147			1,456,668,000
Balance, end of period, treasury stock (in shares) at Mar. 31, 2024	(7,413,634)					(7,414,000)

Consolidated Statements of Ch_2

Consolidated Statements of Changes in Shareholders' Equity (Parenthetical) - $ / shares	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
Statement of Stockholders' Equity [Abstract]
Common dividends declared (in usd per share)	$ 0.155	$ 0.155

Consolidated Statements of Cash

Consolidated Statements of Cash Flows - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
Operating activities
Income after income taxes	$ 424	$ 606
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for credit losses	107	85
Depreciation and amortization	190	142
Share-based compensation expense	20	25
Deferred income tax (benefit) expense	(29)	55
Net change in:
Trading account securities	(42)	1
Loans held for sale	(2)	44
Other assets	(385)	(348)
Other liabilities	184	(456)
Other, net	(3)	(24)
Net cash provided by operating activities	464	130
Investing activities
Change in interest bearing deposits in banks	(15)	(6)
Proceeds from:
Maturities and calls of available-for-sale securities	1,589	432
Maturities and calls of held-to-maturity securities	327	320
Maturities and calls of other securities	9	0
Sales of available-for-sale securities	0	435
Sales of other securities	0	141
Purchases of available-for-sale securities	(3,303)	(1,168)
Purchases of held-to-maturity securities	0	(254)
Purchases of other securities	(11)	(586)
Net proceeds from sales of portfolio loans and leases	71	89
Principal payments received under direct finance and sales-type leases	447	487
Net loan and lease activity, excluding sales and purchases	(1,398)	(2,272)
Purchases of premises and equipment	(32)	(25)
Purchases of loans and leases	(23)	(12)
Net accrued income and other receivables activity	59	92
Other, net	18	28
Net cash used in investing activities	(2,262)	(2,299)
Financing activities
Increase (decrease) in deposits	1,995	(2,636)
Increase (decrease) in short-term borrowings	(505)	5,128
Net proceeds from issuance of long-term debt	2,786	3,541
Maturity/redemption of long-term debt	(156)	(268)
Dividends paid on preferred stock	(36)	(29)
Dividends paid on common stock	(226)	(225)
Net proceeds from issuance of preferred stock	0	317
Other, net	(9)	6
Net cash provided by financing activities	3,849	5,834
Increase in cash and cash equivalents	2,051	3,665
Cash and cash equivalents at beginning of period	10,129	6,704
Cash and cash equivalents at end of period	12,180	10,369
Supplemental disclosures:
Interest paid	1,070	562
Income taxes paid (received)	47	(59)
Non-cash activities
Loans transferred to held-for-sale from portfolio	64	80
Loans transferred to portfolio from held-for-sale	$ 11	$ 6

BASIS OF PRESENTATION

BASIS OF PRESENTATION	3 Months Ended
	Mar. 31, 2024
Organization, Consolidation and Presentation of Financial Statements [Abstract]
BASIS OF PRESENTATION	BASIS OF PRESENTATION The accompanying Unaudited Consolidated Financial Statements of Huntington reflect all adjustments consisting of normal recurring accruals which are, in the opinion of management, necessary for a fair statement of the consolidated financial position, the results of operations, and cash flows for the periods presented. These Unaudited Consolidated Financial Statements have been prepared according to the rules and regulations of the SEC and, therefore, certain information and footnote disclosures normally included in annual financial statements prepared in accordance with GAAP have been omitted. The Notes to Consolidated Financial Statements appearing in Huntington’s 2023 Annual Report on Form 10-K, which include descriptions of significant accounting policies, as updated by the information contained in this report, should be read in conjunction with these interim financial statements. In conjunction with applicable accounting standards, all material subsequent events have been either recognized in the Unaudited Consolidated Financial Statements or disclosed in the Notes to Unaudited Consolidated Financial Statements. There were no material subsequent events to disclose for the current period.

ACCOUNTING STANDARDS UPDATE

ACCOUNTING STANDARDS UPDATE	3 Months Ended
	Mar. 31, 2024
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 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. • Huntington adopted the standard effective January 1, 2024 on a modified retrospective basis. • The adoption did not result in a material impact on Huntington’s Unaudited Consolidated Financial Statements. Accounting standards yet to be adopted Standard Summary of guidance Summary of guidance 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 Unaudited 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 Unaudited Consolidated Financial Statements.

INVESTMENT SECURITIES AND OTHER

INVESTMENT SECURITIES AND OTHER SECURITIES	3 Months Ended
	Mar. 31, 2024
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 Cost (1)(2) Gross Gross Fair Value At March 31, 2024 Available-for-sale securities: U.S. Treasury $ 5,027 $ — $ — $ 5,027 Federal agencies: Residential CMO 3,519 — (444) 3,075 Residential MBS 12,893 1 (1,964) 10,930 Commercial MBS 2,530 — (735) 1,795 Other agencies 154 — (7) 147 Total U.S. Treasury, federal agency, and other agency securities 24,123 1 (3,150) 20,974 Municipal securities 3,475 13 (157) 3,331 Private-label CMO 128 1 (12) 117 Asset-backed securities 379 — (28) 351 Corporate debt 2,179 89 (250) 2,018 Other securities/Sovereign debt 10 — — 10 Total available-for-sale securities $ 30,294 $ 104 $ (3,597) $ 26,801 Held-to-maturity securities: Federal agencies: Residential CMO $ 4,664 $ 1 $ (706) $ 3,959 Residential MBS 9,175 — (1,301) 7,874 Commercial MBS 1,482 — (232) 1,250 Other agencies 93 — (7) 86 Total federal agency and other agency securities 15,414 1 (2,246) 13,169 Municipal securities 2 — — 2 Total held-to-maturity securities $ 15,416 $ 1 $ (2,246) $ 13,171 Other securities, at cost: Non-marketable equity securities: Federal Home Loan Bank stock $ 159 $ — $ — $ 159 Federal Reserve Bank stock 518 — — 518 Equity securities 18 — — 18 Other securities, at fair value: Mutual funds 31 — — 31 Equity securities 1 — — 1 Total other securities $ 727 $ — $ — $ 727 (1) Amortized cost amounts exclude accrued interest receivable, which is recorded within accrued income and other receivables on the Unaudited Consolidated Balance Sheet s . At March 31, 2024, accrued interest receivable on available-for-sale securities and held-to-maturity securities totaled $72 million and $35 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 $680 million and represent a reduction to the amortized cost of the securities being hedged. The securities being hedged under the portfolio layer method are primarily Residential CMO and Residential MBS securities. Unrealized (dollar amounts in millions) Amortized Gross Gross Fair Value At December 31, 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 Unaudited 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. 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 March 31, 2024 At December 31, 2023 (dollar amounts in millions) Amortized Fair Amortized Fair Available-for-sale securities: Under 1 year $ 5,093 $ 5,084 $ 3,380 $ 3,372 After 1 year through 5 years 2,995 2,842 2,484 2,338 After 5 years through 10 years 2,312 2,192 2,392 2,255 After 10 years 19,894 16,683 20,309 17,340 Total available-for-sale securities $ 30,294 $ 26,801 $ 28,565 $ 25,305 Held-to-maturity securities: Under 1 year $ — $ — $ 1 $ 1 After 1 year through 5 years 42 40 48 46 After 5 years through 10 years 66 62 69 66 After 10 years 15,308 13,069 15,632 13,605 Total held-to-maturity securities $ 15,416 $ 13,171 $ 15,750 $ 13,718 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 March 31, 2024 Available-for-sale securities: Federal agencies: Residential CMO $ 364 $ (4) $ 2,711 $ (440) $ 3,075 $ (444) Residential MBS 238 (2) 10,554 (1,962) 10,792 (1,964) Commercial MBS — — 1,795 (735) 1,795 (735) Other agencies — — 78 (7) 78 (7) Total federal agency and other agency securities 602 (6) 15,138 (3,144) 15,740 (3,150) Municipal securities 613 (14) 2,522 (143) 3,135 (157) Private-label CMO — — 96 (12) 96 (12) Asset-backed securities — — 279 (28) 279 (28) Corporate debt — — 2,018 (250) 2,018 (250) Total temporarily impaired available-for-sale securities $ 1,215 $ (20) $ 20,053 $ (3,577) $ 21,268 $ (3,597) Held-to-maturity securities: Federal agencies: Residential CMO $ 159 $ (2) $ 3,532 $ (704) $ 3,691 $ (706) Residential MBS — — 7,778 (1,301) 7,778 (1,301) Commercial MBS — — 1,250 (232) 1,250 (232) Other agencies — — 86 (7) 86 (7) Total federal agency and other agency securities 159 (2) 12,646 (2,244) 12,805 (2,246) Total temporarily impaired held-to-maturity securities $ 159 $ (2) $ 12,646 $ (2,244) $ 12,805 $ (2,246) 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) At March 31, 2024 and December 31, 2023, the carrying value of investment securities pledged to secure certain public trust deposits, trading account liabilities, U.S. Treasury demand notes, security repurchase agreements and to support borrowing capacity totaled $36.2 billion and $35.1 billion, respectively. There were no securities of a single issuer, which were not governmental or government-sponsored, that exceeded 10% of shareholders’ equity at either March 31, 2024 or December 31, 2023. At March 31, 2024, 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 March 31, 2024. Based on an evaluation of available information including security type, counterparty credit quality, past events, current conditions, and reasonable and supportable forecasts that are relevant to collectability of cash flows, as of March 31, 2024, 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 investment securities as of March 31, 2024 or December 31, 2023.

LOANS AND LEASES

LOANS AND LEASES	3 Months Ended
	Mar. 31, 2024
Receivables [Abstract]
LOANS AND LEASES	LOANS AND LEASES The following table provides a detailed listing of Huntington’s loan and lease portfolio. (dollar amounts in millions) At March 31, 2024 At December 31, 2023 Commercial loan and lease portfolio: Commercial and industrial $ 51,500 $ 50,657 Commercial real estate 12,342 12,422 Lease financing 5,133 5,228 Total commercial loan and lease portfolio 68,975 68,307 Consumer loan portfolio: Residential mortgage 23,744 23,720 Automobile 12,662 12,482 Home equity 10,047 10,113 RV and marine 5,887 5,899 Other consumer 1,452 1,461 Total consumer loan portfolio 53,792 53,675 Total loans and leases (1)(2) 122,767 121,982 Allowance for loan and lease losses (2,280) (2,255) Net loans and leases $ 120,487 $ 119,727 (1) Loans and leases are reported at principal amount outstanding including unamortized purchase premiums and discounts, unearned income, and net direct fees and costs associated with originating and acquiring loans and leases. The aggregate amount of these loan and lease adjustments was a net discount of $349 million and $323 million at March 31, 2024 and December 31, 2023, respectively. (2) The total amount of accrued interest recorded for these loans and leases at March 31, 2024, was $340 million and $222 million of commercial and consumer loan and lease portfolios, respectively, and at December 31, 2023, was $333 million and $220 million of commercial and consumer loan and lease portfolios, respectively. Accrued interest is presented in accrued income and other receivables within the Unaudited Consolidated Balance Sheet s. Lease Financing The following table presents net investments in lease financing receivables by category. (dollar amounts in millions) At March 31, 2024 At December 31, 2023 Lease payments receivable $ 4,880 $ 4,980 Estimated residual value of leased assets 803 804 Gross investment in lease financing receivables 5,683 5,784 Deferred origination costs 54 54 Deferred fees, unearned income and other (604) (610) Total lease financing receivables $ 5,133 $ 5,228 The carrying value of residual values guaranteed was $475 million and $478 million as of March 31, 2024 and December 31, 2023, respectively. The future lease rental payments due from customers on sales-type and direct financing leases at March 31, 2024, totaled $4.9 billion and were due as follows: $782 million in 2024, $902 million in 2025, $859 million in 2026, $859 million in 2027, $794 million in 2028, and $684 million thereafter. Interest income recognized for these types of leases was $79 million and $68 million for the three-month periods ended March 31, 2024 and 2023, respectively. Nonaccrual and Past Due Loans and Leases The following table presents NALs by class. At March 31, 2024 At December 31, 2023 (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 $ 68 $ 376 $ 66 $ 344 Commercial real estate 37 154 64 140 Lease financing — 10 3 14 Residential mortgage — 75 — 72 Automobile — 4 — 4 Home equity — 96 — 91 RV and marine — 1 — 2 Total nonaccrual loans and leases $ 105 $ 716 $ 133 $ 667 The following tables present an aging analysis of loans and leases, by class. Past Due (1) Loans Accounted for Under FVO Total Loans 90 or (dollar amounts in millions) 30-59 60-89 90 or Total Current At March 31, 2024 Commercial and industrial $ 57 $ 36 $ 137 $ 230 $ 51,270 $ — $ 51,500 $ 1 (2) Commercial real estate 18 32 96 146 12,196 — 12,342 — Lease financing 27 14 5 46 5,087 — 5,133 3 Residential mortgage 205 68 195 468 23,101 175 23,744 148 (3) Automobile 75 17 10 102 12,560 — 12,662 8 Home equity 56 29 83 168 9,879 — 10,047 17 RV and marine 17 4 3 24 5,863 — 5,887 2 Other consumer 11 4 4 19 1,433 — 1,452 4 Total loans and leases $ 466 $ 204 $ 533 $ 1,203 $ 121,389 $ 175 $ 122,767 $ 183 At December 31, 2023 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 (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 See Note 5 - “Loans and Leases” to the Consolidated Financial Statements appearing in Huntington’s 2023 Annual Report on Form 10-K for a description of the credit quality indicators Huntington utilizes for monitoring credit quality and for determining an appropriate ACL level. For all classes within the consumer loan portfolios, borrower credit bureau scores are monitored as an indicator of credit quality. A credit bureau score is a credit score developed by FICO based on data provided by the credit bureaus. The credit bureau score is widely accepted as the standard measure of consumer credit risk used by lenders, regulators, rating agencies, and consumers. The higher the credit bureau score, the higher likelihood of repayment and therefore, an indicator of higher credit quality. Huntington assesses the risk in the loan portfolio by utilizing numerous risk characteristics. The classifications described above, and also presented in the table below, represent one of those characteristics that are closely monitored in the overall credit risk management processes. The following tables present the amortized cost basis of loans and leases by vintage and credit quality indicator. At March 31, 2024 Term Loans Amortized Cost Basis by Origination Year Revolver Total at Amortized Cost Basis Revolver Total Converted to Term Loans (dollar amounts in millions) 2024 2023 2022 2021 2020 Prior Total Commercial and industrial Credit Quality Indicator (1): Pass $ 4,493 $ 12,002 $ 8,692 $ 3,364 $ 1,976 $ 2,458 $ 15,168 $ 5 $ 48,158 OLEM 25 211 243 74 30 37 256 — 876 Substandard 118 380 428 230 148 209 952 — 2,465 Doubtful — — — — — 1 — — 1 Total Commercial and industrial $ 4,636 $ 12,593 $ 9,363 $ 3,668 $ 2,154 $ 2,705 $ 16,376 $ 5 $ 51,500 Commercial real estate Credit Quality Indicator (1): Pass $ 356 $ 1,264 $ 3,235 $ 1,674 $ 1,011 $ 2,286 $ 557 $ — $ 10,383 OLEM 11 80 410 133 55 121 60 — 870 Substandard 17 213 379 176 24 264 16 — 1,089 Total Commercial real estate $ 384 $ 1,557 $ 4,024 $ 1,983 $ 1,090 $ 2,671 $ 633 $ — $ 12,342 Lease financing Credit Quality Indicator (1): Pass $ 384 $ 1,924 $ 1,159 $ 724 $ 502 $ 272 $ — $ — $ 4,965 OLEM — 15 19 3 1 10 — — 48 Substandard 1 26 46 22 13 12 — — 120 Total Lease financing $ 385 $ 1,965 $ 1,224 $ 749 $ 516 $ 294 $ — $ — $ 5,133 Residential mortgage Credit Quality Indicator (2): 750+ $ 212 $ 2,257 $ 4,041 $ 5,995 $ 3,252 $ 2,877 $ — $ — $ 18,634 650-749 88 781 903 894 471 901 — — 4,038 <650 7 43 84 97 74 592 — — 897 Total Residential mortgage $ 307 $ 3,081 $ 5,028 $ 6,986 $ 3,797 $ 4,370 $ — $ — $ 23,569 Automobile Credit Quality Indicator (2): 750+ $ 1,045 $ 2,156 $ 1,831 $ 1,372 $ 630 $ 339 $ — $ — $ 7,373 650-749 412 1,493 1,092 753 300 160 — — 4,210 <650 31 274 303 273 114 84 — — 1,079 Total Automobile $ 1,488 $ 3,923 $ 3,226 $ 2,398 $ 1,044 $ 583 $ — $ — $ 12,662 Home equity Credit Quality Indicator (2): 750+ $ 43 $ 393 $ 414 $ 496 $ 517 $ 247 $ 4,404 $ 226 $ 6,740 650-749 20 107 95 62 53 96 2,035 225 2,693 <650 — 4 9 5 4 46 413 133 614 Total Home equity $ 63 $ 504 $ 518 $ 563 $ 574 $ 389 $ 6,852 $ 584 $ 10,047 RV and marine Credit Quality Indicator (2): 750+ $ 226 $ 1,059 $ 934 $ 816 $ 557 $ 847 $ — $ — $ 4,439 650-749 38 353 232 246 147 284 — — 1,300 <650 — 13 19 30 23 63 — — 148 Total RV and marine $ 264 $ 1,425 $ 1,185 $ 1,092 $ 727 $ 1,194 $ — $ — $ 5,887 Other consumer Credit Quality Indicator (2): 750+ $ 69 $ 141 $ 70 $ 34 $ 16 $ 56 $ 409 $ 1 $ 796 650-749 29 82 37 14 5 14 386 12 579 <650 1 9 6 3 1 2 41 14 77 Total Other consumer $ 99 $ 232 $ 113 $ 51 $ 22 $ 72 $ 836 $ 27 $ 1,452 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 (1) Consistent with the credit quality disclosures, indicators for the Commercial portfolio are based on internally defined categories of credit grades. (2) Consistent with the credit quality disclosures, indicators for the Consumer portfolio are based on updated customer credit scores refreshed at least quarterly. The following tables present the gross charge-offs of loans and leases by vintage. Term Loans Gross Charge-offs by Origination Year Revolver Gross Charge-offs Revolver Converted to Term Loans Gross Charge-offs (dollar amounts in millions) 2024 2023 2022 2021 2020 Prior Total Three months ended March 31, 2024 Commercial and industrial $ — $ 5 $ 11 $ 15 $ 11 $ 2 $ 10 $ 1 $ 55 Commercial real estate — 1 9 1 — 6 — — 17 Lease Financing — — — 1 — 1 — — 2 Residential mortgage — — — — — 1 — — 1 Automobile — 4 5 4 2 — — — 15 Home equity — — — — — — — 2 2 RV and marine — 1 1 2 1 3 — — 8 Other consumer 1 7 5 2 1 3 — 9 28 Total $ 1 $ 18 $ 31 $ 25 $ 15 $ 16 $ 10 $ 12 $ 128 Term Loans Gross Charge-offs by Origination Year Revolver Gross Charge-offs Revolver Converted to Term Loans Gross Charge-offs Three months ended March 31, 2023 2023 2022 2021 2020 2019 Prior Total Commercial and industrial $ 1 $ 14 $ 3 $ 6 $ 4 $ — $ 4 $ — $ 32 Commercial real estate — — 19 — — — — — 19 Lease Financing — — — — — 1 — — 1 Residential mortgage — — 1 — — 1 — — 2 Automobile — 3 4 2 1 2 — — 12 Home equity — — — — — — 1 1 2 RV and marine — — 1 1 1 1 — — 4 Other consumer 1 8 5 1 1 4 — 7 27 Total $ 2 $ 25 $ 33 $ 10 $ 7 $ 9 $ 5 $ 8 $ 99 Modifications to Debtors Experiencing Financial Difficulty See Note 5 - “Loans and Leases” to the Consolidated Financial Statements appearing in Huntington’s 2023 Annual Report on Form 10-K for a description of reported modification types and the impact on credit quality of borrowers experiencing financial difficulty. The following table summarizes the amortized cost basis of loans modified during the reporting period to borrowers experiencing financial difficulty, disaggregated by class of financing receivable and type of modification. Amortized Cost (dollar amounts in millions) Interest rate reduction Term extension Payment deferral Combo - interest rate reduction and term extension Total % of total loan class (1) Three months ended March 31, 2024 Commercial and industrial $ 87 $ 154 $ — $ 7 $ 248 0.48 % Commercial real estate — 31 — — 31 0.25 Residential mortgage — 10 3 1 14 0.06 Automobile — 4 — — 4 0.03 Home equity — 1 — 4 5 0.05 Total loans to borrowers experiencing financial difficulty in which modifications were made $ 87 $ 200 $ 3 $ 12 $ 302 0.25 % Three months ended March 31, 2023 Commercial and industrial $ 35 $ 124 $ — $ 3 $ 162 0.32 % Commercial real estate — 48 — — 48 0.36 Residential mortgage — 23 — 1 24 0.11 Automobile — 3 — — 3 0.02 Home equity — — — 3 3 0.03 RV and marine — 1 — — 1 0.02 Total loans to borrowers experiencing financial difficulty in which modifications were made $ 35 $ 199 $ — $ 7 $ 241 0.21 % (1) Represents the amortized cost of loans modified during the reporting period as a percentage of the period-end loan balance by class. The following table describes the financial effect of the modification made to borrowers experiencing financial difficulty. Interest Rate Reduction (1) Term Extension (1) Weighted-average contractual interest rate Weighted-average years added to the life From To Three months ended March 31, 2024 Commercial and industrial 8.24 % 7.28 % 0.4 Commercial real estate 0.6 Residential mortgage 7.25 5.20 8.6 Three months ended March 31, 2023 Commercial and industrial 7.60 % 6.80 % 0.9 Commercial real estate 0.6 Residential mortgage 5.36 4.14 6.3 (1) Certain disclosures related to financial effects of modifications do not include those 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 identified period. At March 31, 2024 Past Due (dollar amounts in millions) 30-59 60-89 90 or Total Current Total Commercial and industrial $ 2 $ 11 $ 11 $ 24 $ 449 $ 473 Commercial real estate 2 7 — 9 118 127 Residential mortgage 8 5 9 22 31 53 Automobile 2 — — 2 14 16 Home equity 1 1 1 3 11 14 RV and marine — — — — 1 1 Total loans to borrowers experiencing financial difficulty in which modifications were made in the twelve months ended March 31, 2024 $ 15 $ 24 $ 21 $ 60 $ 624 $ 684 At March 31, 2023 (1) Past Due (dollar amounts in millions) 30-59 60-89 90 or Total Current Total Commercial and industrial $ — $ — $ — $ — $ 162 $ 162 Commercial real estate — — — — 48 48 Residential mortgage 4 4 — 8 16 24 Automobile — — — — 3 3 Home equity — — — — 3 3 RV and marine — — — — 1 1 Total loans to borrowers experiencing financial difficulty in which modifications were made in the three months ended March 31, 2023 $ 4 $ 4 $ — $ 8 $ 233 $ 241 (1) Huntington adopted ASU 2022-02 - Financial Instruments - Credit Losses (Topic 326): Troubled Debt Restructurings and Vintage Disclosures effective January 1, 2023, therefore, the at March 31, 2023 presentation only includes loans since guidance became effective. Pledged Loans The Bank has access to secured borrowings from the Federal Reserve’s discount window and advances from the FHLB. As of March 31, 2024 and December 31, 2023, loans and leases totaling $99.5 billion and $101.8 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	3 Months Ended
	Mar. 31, 2024
Credit Loss [Abstract]
ALLOWANCE FOR CREDIT LOSSES	ALLOWANCE FOR CREDIT LOSSES Allowance for Credit Losses - Roll-forward The following tables present ACL activity by portfolio segment. (dollar amounts in millions) Commercial Consumer Total Three months ended March 31, 2024 ALLL balance, beginning of period $ 1,563 $ 692 $ 2,255 Loan and lease charge-offs (74) (54) (128) Recoveries of loans and leases previously charged-off 19 17 36 Provision for loan and lease losses 81 36 117 ALLL balance, end of period $ 1,589 $ 691 $ 2,280 AULC balance, beginning of period $ 66 $ 79 $ 145 Provision (benefit) for unfunded lending commitments 3 (13) (10) AULC balance, end of period $ 69 $ 66 $ 135 ACL balance, end of period $ 1,658 $ 757 $ 2,415 Three months ended March 31, 2023 ALLL balance, beginning of period $ 1,424 $ 697 $ 2,121 Loan and lease charge-offs (52) (47) (99) Recoveries of loans and leases previously charged-off 23 19 42 Provision for loan and lease losses 62 16 78 ALLL balance, end of period $ 1,457 $ 685 $ 2,142 AULC balance, beginning of period $ 71 $ 79 $ 150 Provision for unfunded lending commitments 4 3 7 AULC balance, end of period $ 75 $ 82 $ 157 ACL balance, end of period $ 1,532 $ 767 $ 2,299 At March 31, 2024, the ACL was $2.4 billion, a marginal increase of $15 million compared to December 31, 2023. The increase in the total ACL was primarily driven by loan and lease portfolio growth. The commercial ACL was $1.7 billion at March 31, 2024 and $1.6 billion at December 31, 2023. The increase of $29 million since year end was primarily due to loan growth in the commercial portfolio. The consumer ACL was $757 million, a modest decrease from the December 31, 2023 balance of $771 million, with the decrease is primarily attributable to lower residential mortgage reserves based on the current macro-economic forecast. The baseline economic scenario used in the March 31, 2024 ACL determination included the federal funds rate projected to have peaked during the third quarter of 2023, remaining at this terminal level until mid-2024 as the Federal Reserve has continued to address inflation levels and tightness in the labor market. The Federal Reserve is expected to complete four 25 basis point rate cuts by the end of 2024. Further subsequent cuts of 25 basis points per quarter are expected in 2025 and 2026 until reaching 3% by the second half of 2026. Inflation is forecasted to drop from 2.9% in first quarter of 2024, approaching 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 4.0% by 2026.

MORTGAGE LOAN SALES AND SERVICI

MORTGAGE LOAN SALES AND SERVICING RIGHTS	3 Months Ended
	Mar. 31, 2024
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. Three Months Ended (dollar amounts in millions) March 31, 2024 March 31, 2023 Residential mortgage loans sold with servicing retained $ 811 $ 862 Pretax gains resulting from above loan sales (1) 13 7 Total servicing, late, and other ancillary fees (1) 26 24 (1) Included in mortgage banking income. The following table summarizes the changes in MSRs recorded using the fair value method. Three Months Ended (dollar amounts in millions) March 31, 2024 March 31, 2023 Fair value, beginning of period $ 515 $ 494 New servicing assets created 10 13 Change in fair value during the period due to: Time decay (1) (6) (6) Payoffs (2) (5) (4) Changes in valuation inputs or assumptions (3) 20 (12) Fair value, end of period $ 534 $ 485 Loans serviced for third parties, unpaid principal balance $ 33,303 $ 33,237 (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. A summary of key assumptions and the sensitivity of the MSR value to changes in these assumptions follows: At March 31, 2024 At December 31, 2023 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) 8.15 % $ (14) $ (28) 8.61 % $ (15) $ (28) Spread over forward interest rate swap rates 550 bps (12) (23) 538 bps (11) (22)

BORROWINGS

BORROWINGS	3 Months Ended
	Mar. 31, 2024
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: (dollar amounts in millions) At March 31, 2024 At December 31, 2023 Securities sold under agreements to repurchase $ 134 $ 618 Other borrowings 48 2 Total short-term borrowings $ 182 $ 620 The carrying value of assets pledged as collateral against repurchase agreements totaled $156 million and $840 million as of March 31, 2024 and December 31, 2023, respectively. Assets pledged as collateral are reported in available-for-sale securities and held-to-maturity securities on the Unaudited 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: (dollar amounts in millions) At March 31, 2024 At December 31, 2023 The Parent Company: Senior Notes $ 5,423 $ 4,233 Subordinated Notes 748 760 Total notes issued by the parent 6,171 4,993 The Bank: Senior Notes 3,452 3,480 Subordinated Notes 661 662 Total notes issued by the bank 4,113 4,142 FHLB Advances 2,699 2,731 Auto Loan Securitization Trust (1) 1,401 — Other 510 528 Total long-term debt $ 14,894 $ 12,394 (1) Represents secured borrowings collateralized by auto loans with a weighted average rate of 5.38% due through 2029. See Note 14 - “Variable Interest Entities” for additional information.

OTHER COMPREHENSIVE INCOME

OTHER COMPREHENSIVE INCOME	3 Months Ended
	Mar. 31, 2024
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 Three months ended March 31, 2024 Unrealized losses on available-for-sale securities arising during the period, net of hedges $ (170) $ 40 $ (130) Reclassification adjustment for realized net losses included in net income 3 (1) 2 Total unrealized losses on available-for-sale securities, net of hedges (167) 39 (128) Unrealized losses on cash flow hedges during the period (161) 37 (124) Reclassification adjustment for cash flow hedges included in net income 67 (16) 51 Net change related to cash flow hedges on loans (94) 21 (73) Translation adjustments, net of hedges (1) (2) — (2) Other comprehensive loss $ (263) $ 60 $ (203) Three months ended March 31, 2023 Unrealized gains on available-for-sale securities arising during the period, net of hedges $ 197 $ (45) $ 152 Reclassification adjustment for realized net losses included in net income 3 (1) 2 Total unrealized gains on available-for-sale securities, net of hedges 200 (46) 154 Unrealized gains on cash flow hedges during the period 231 (53) 178 Reclassification adjustment for cash flow hedges included in net income 12 (1) 11 Net change related to cash flow hedges on loans 243 (54) 189 Other comprehensive income $ 443 $ (100) $ 343 (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 was as follows: (dollar amounts in millions) Unrealized gains (losses) on available-for-sale securities, net of hedges (1) Net change related to cash flow hedges on loans Translation adjustments, net of hedges Unrealized losses for pension and other post-retirement obligations Total Three months ended March 31, 2024 Balance, beginning of period $ (2,094) $ (363) $ (6) $ (213) $ (2,676) Other comprehensive loss before reclassifications (130) (124) (2) — (256) Amounts reclassified from accumulated OCI to earnings 2 51 — — 53 Period change (128) (73) (2) — (203) Balance, end of period $ (2,222) $ (436) $ (8) $ (213) $ (2,879) Three months ended March 31, 2023 Balance, beginning of period $ (2,248) $ (632) $ (8) $ (210) $ (3,098) Other comprehensive income before reclassifications 152 178 — — 330 Amounts reclassified from accumulated OCI to earnings 2 11 — — 13 Period change 154 189 — — 343 Balance, end of period $ (2,094) $ (443) $ (8) $ (210) $ (2,755) (1) AOCI amounts at March 31, 2024 and March 31, 2023 include $56 million and $64 million, respectively, of net unrealized losses (after-tax) on securities transferred from the available-for-sale securities portfolio to the held-to-maturity securities portfolio. The net unrealized losses will be recognized in earnings over the remaining life of the security using the effective interest method.

SHAREHOLDERS' EQUITY

SHAREHOLDERS' EQUITY	3 Months Ended
	Mar. 31, 2024
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) Issuance Date Shares Outstanding Dividend Rate Earliest Redemption Date (1) Carrying Amount Series At March 31, 2024 At December 31, 2023 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 405 405 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 317 317 Total 881,587 $ 2,394 $ 2,394 (1) Redeemable at Huntington’s option on the date stated or on a quarterly basis thereafter. (2) Liquidation value and redemption price per share of $1,000, plus any declared and unpaid dividends. (3) 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-mo. LIBOR + 270 bps. (4) Liquidation value and redemption price per share of $100,000, plus any declared and unpaid dividends. (5) 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-mo. LIBOR +288 bps. (6) Liquidation value and redemption price per share of $25,000, plus any declared and unpaid dividends. The following table presents the dividends declared for each series of Preferred shares. Three Months Ended (amounts in millions, except per share data) March 31, 2024 March 31, 2023 Cash Dividend Declared Per Share Cash Dividend Declared Per Share Preferred Series Amount ($) Amount ($) Series B $ 20.69 $ (1) $ 18.82 $ (1) Series E 2,113.90 (8) 1,425.00 (7) Series F 1,406.25 (7) 1,406.25 (7) Series G 1,112.50 (6) 1,112.50 (6) Series H 11.25 (6) 11.25 (6) Series I 356.25 (2) 356.25 (2) Series J 17.19 (6) — — Total $ (36) $ (29)

EARNINGS PER SHARE

EARNINGS PER SHARE	3 Months Ended
	Mar. 31, 2024
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 was as follows: Three Months Ended (dollar amounts in millions, except per share data, share count in thousands) March 31, 2024 March 31, 2023 Basic earnings per common share: Net income attributable to Huntington $ 419 $ 602 Preferred stock dividends 36 29 Net income available to common shareholders $ 383 $ 573 Average common shares issued and outstanding 1,448,492 1,443,268 Basic earnings per common share $ 0.26 $ 0.40 Diluted earnings per common share: Average dilutive potential common shares: Stock options and restricted stock units and awards 17,396 19,613 Shares held in deferred compensation plans 7,447 6,398 Average dilutive potential common shares 24,843 26,011 Total diluted average common shares issued and outstanding 1,473,335 1,469,279 Diluted earnings per common share $ 0.26 $ 0.39 Anti-dilutive awards (1) 9,794 9,344 (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	3 Months Ended
	Mar. 31, 2024
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. Certain sources of revenue are recognized within interest or fee income and are outside of the scope of ASC Topic 606, Revenue from Contracts with Customers (“ASC 606”). Other sources of revenue fall within the scope of ASC 606 and are generally recognized within noninterest income. These revenues are included within various sections of the Unaudited Consolidated Financial Statements. The following table shows Huntington’s total noninterest income segregated between revenue with contracts with customers within the scope of ASC 606 and revenue within the scope of other GAAP Topics. (dollar amounts in millions) Three Months Ended Noninterest income March 31, 2024 March 31, 2023 Noninterest income from contracts with customers $ 336 $ 377 Noninterest income within the scope of other GAAP topics 131 135 Total noninterest income $ 467 $ 512 The following table illustrates the disaggregation by operating segment and major revenue stream and reconciles disaggregated revenue to segment revenue presented in Note 16 - “ Segment Reporting ”. During the fourth quarter of 2023 we updated the presentation of our noninterest income categories to align product and service types more closely with how we strategically manage our business. Additionally, during the second quarter of 2023, we completed an organizational realignment and now report on two business segments. Prior period results for each reporting update have been adjusted to conform to the current presentation. (dollar amounts in millions) Consumer & Regional Banking Commercial Banking Treasury / Other Huntington Consolidated Major Revenue Streams Three months ended March 31, 2024 Payments and cash management revenue $ 107 $ 27 $ — $ 134 Wealth and asset management revenue 85 3 — 88 Customer deposit and loan fees 50 4 — 54 Capital markets and advisory fees 4 25 — 29 Leasing revenue 1 9 — 10 Insurance income 16 3 — 19 Other noninterest income 2 — — 2 Net revenue from contracts with customers 265 71 — 336 Noninterest income within the scope of other GAAP topics 43 74 14 131 Total noninterest income $ 308 $ 145 $ 14 $ 467 Three months ended March 31, 2023 Payments and cash management revenue $ 100 $ 25 $ — $ 125 Wealth and asset management revenue 79 1 — 80 Customer deposit and loan fees 46 1 — 47 Capital markets and advisory fees 3 30 — 33 Leasing revenue — 14 — 14 Insurance income 17 2 — 19 Other noninterest income 59 — — 59 Net revenue from contracts with customers 304 73 — 377 Noninterest income within the scope of other GAAP topics 40 83 12 135 Total noninterest income $ 344 $ 156 $ 12 $ 512 Huntington generally provides services for customers in which it acts as principal. Payment terms and conditions vary amongst services and customers, and thus impact the timing and amount of revenue recognition. Some fees may be paid before any service is rendered and accordingly, such fees are deferred until the obligations pertaining to those fees are satisfied. Most Huntington contracts with customers are cancelable by either party without penalty or they are short-term in nature, with a contract duration of less than one year. Accordingly, most revenue deferred for the reporting period ended March 31, 2024 is expected to be earned within one year. Huntington does not have significant balances of contract assets or contract liabilities and any change in those balances during the reporting period ended March 31, 2024 was determined to be immaterial.

FAIR VALUES OF ASSETS AND LIABI

FAIR VALUES OF ASSETS AND LIABILITIES	3 Months Ended
	Mar. 31, 2024
Fair Value Disclosures [Abstract]
FAIR VALUES OF ASSETS AND LIABILITIES	FAIR VALUES OF ASSETS AND LIABILITIES See Note 19 - “Fair Value of Assets and Liabilities” to the Consolidated Financial Statements appearing in Huntington’s 2023 Annual Report on Form 10-K for a description of the valuation methodologies used for instruments measured at fair value. Assets and liabilities measured at fair value rarely transfer between Level 1 and Level 2 measurements. There were no such transfers during the three-month periods ended March 31, 2024 and 2023. Assets and Liabilities measured at fair value on a recurring basis Fair Value Measurements at Reporting Date Using Netting Adjustments (1) At March 31, 2024 (dollar amounts in millions) Level 1 Level 2 Level 3 Assets Trading account securities: U.S. Treasury securities $ 92 $ — $ — $ — $ 92 Municipal securities — 51 — — 51 Corporate debt — 24 — — 24 Total trading account securities 92 75 — — 167 Available-for-sale securities: U.S. Treasury securities 5,027 — — — 5,027 Residential CMO — 3,075 — — 3,075 Residential MBS — 10,930 — — 10,930 Commercial MBS — 1,795 — — 1,795 Other agencies — 147 — — 147 Municipal securities — 38 3,293 — 3,331 Private-label CMO — 97 20 — 117 Asset-backed securities — 279 72 — 351 Corporate debt — 2,018 — — 2,018 Other securities/sovereign debt — 10 — — 10 Total available-for-sale securities 5,027 18,389 3,385 — 26,801 Other securities 31 1 — — 32 Loans held for sale — 487 — — 487 Loans held for investment — 117 58 — 175 MSRs — — 534 — 534 Other assets: Derivative assets — 1,734 6 (1,399) 341 Assets held in trust for deferred compensation plans 186 — — — 186 Liabilities Derivative liabilities — 1,624 2 (872) 754 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 CMOs — 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 (1) Amounts represent the impact of legally enforceable master netting agreements that allow the Company to settle positive and negative positions and cash collateral held or placed with the same counterparties. The following tables present a rollforward of the balance sheet amounts measured at fair value on a recurring basis and classified as Level 3. The classification of an item as Level 3 is based on the significance of the unobservable inputs to the overall fair value measurement. However, Level 3 measurements may also include observable components of value that can be validated externally. Accordingly, the gains and losses in the table below include changes in fair value due in part to observable factors that are part of the valuation methodology. Level 3 Fair Value Measurements Available-for-sale securities Loans held for investment (dollar amounts in millions) MSRs Derivative instruments Municipal securities Private- Asset-backed securities Three months ended March 31, 2024 Opening balance $ 515 $ (2) $ 3,335 $ 20 $ 75 $ 54 Transfers into Level 3 — — — — — 4 Transfers out of Level 3 (1) — (5) — — — — Total gains/losses for the period: Included in earnings: Mortgage banking income 20 7 — — — — Noninterest income — (2) — — — — Included in OCI — — 19 — — — Purchases/originations 10 — 72 — — — Settlements (11) 6 (133) — (3) — Closing balance $ 534 $ 4 $ 3,293 $ 20 $ 72 $ 58 Change in unrealized gains or losses for the period included in earnings for assets held at end of the reporting date $ 20 $ 1 $ — $ — $ — $ — Change in unrealized gains or losses for the period included in other comprehensive income for assets held at the end of the reporting period — — 18 — — — Three months ended March 31, 2023 Opening balance $ 494 $ (2) $ 3,248 $ 20 $ 74 $ 16 Transfers out of Level 3 (1) — (2) — — — — Total gains/losses for the period: Included in earnings: Mortgage banking income (12) 7 — — — — Interest and fee income — — — (1) — — Included in OCI — — 3 — — — Purchases/originations 13 — 177 — — — Repayments — — — — — (1) Settlements (10) — (89) 1 — — Closing balance $ 485 $ 3 $ 3,339 $ 20 $ 74 $ 15 Change in unrealized gains or losses for the period included in earnings for assets held at end of the reporting date $ (12) $ 5 $ — $ — $ — $ — Change in unrealized gains or losses for the period included in other comprehensive income for assets held at the end of the reporting period — — 3 — — — (1) Transfers out of Level 3 represent the settlement value of the derivative instruments (i.e., interest rate lock agreements) that are transferred to loans held for sale, which is classified as Level 2. Assets and liabilities under the fair value option The following table presents the fair value and aggregate principal balance of certain assets and liabilities under the fair value option: Total Loans Loans that are 90 or more days past due (dollar amounts in millions) Fair value Aggregate Difference Fair value Aggregate Difference At March 31, 2024 Loans held for sale $ 487 $ 477 $ 10 $ — $ — $ — Loans held for investment 175 186 (11) 3 3 — At December 31, 2023 Loans held for sale $ 506 $ 489 $ 17 $ — $ — $ — Loans held for investment 174 184 (10) 2 3 (1) The following table presents the net gains (losses) from fair value changes: Three Months Ended (dollar amounts in millions) March 31, 2024 March 31, 2023 Loans held for sale (1) $ (7) $ — Loans held for investment (1) — (1) The net gains (losses) from fair value changes are included in mortgage banking income on the Unaudited Consolidated Statements of Income. Assets and Liabilities measured at fair value on a nonrecurring basis Certain assets and liabilities may be required to be measured at fair value on a nonrecurring basis in periods subsequent to their initial recognition. These assets and liabilities are not measured at fair value on an ongoing basis; however, they are subject to fair value adjustments in certain circumstances, 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 Losses Three Months Ended (dollar amounts in millions) At March 31, 2024 At December 31, 2023 March 31, 2024 March 31, 2023 Collateral-dependent loans $ 68 $ 40 $ (25) $ (6) Huntington records nonrecurring adjustments of collateral-dependent loans held for investment. Such amounts are generally based on the fair value of the underlying collateral supporting the loan. Appraisals are generally obtained to support the fair value of the collateral and incorporate measures such as recent sales prices for comparable properties and cost of construction. Periodically, in cases where the carrying value exceeds the fair value of the collateral less cost to sell, an impairment charge is recognized in the form of a charge-off. Significant unobservable inputs for assets and liabilities measured at fair value 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 March 31, 2024 At December 31, 2023 (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 % - 41 % 8 % 4 % - 37 % 9 % Spread over forward interest rate swap rates 5 % - 13 % 6 % 5 % - 13 % 5 % Municipal securities and asset-backed securities Discounted cash flow Discount rate 5 % - 6 % 5 % 4 % - 6 % 5 % Cumulative default — % - 64 % 6 % — % - 64 % 6 % Loss given default 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 in following tables. Accordingly, this fair value information is not intended to, and does not, represent Huntington’s underlying value. The following table provides the carrying amounts and estimated fair values of Huntington’s financial instruments. (dollar amounts in millions) Amortized Cost Lower of Cost or Market Fair Value or Fair Value Option Total Carrying Amount Estimated Fair Value At March 31, 2024 Financial Assets Cash and short-term assets $ 12,405 $ — $ — $ 12,405 $ 12,405 Trading account securities — — 167 167 167 Available-for-sale securities — — 26,801 26,801 26,801 Held-to-maturity securities 15,416 — — 15,416 13,171 Other securities 695 — 32 727 727 Loans held for sale — 3 487 490 490 Net loans and leases (1) 120,312 — 175 120,487 117,441 Derivative assets — — 341 341 341 Assets held in trust for deferred compensation plans — — 186 186 186 Financial Liabilities Deposits (2) 153,225 — — 153,225 153,175 Short-term borrowings 182 — — 182 182 Long-term debt 14,894 — — 14,894 14,906 Derivative liabilities — — 754 754 754 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 (1) Includes collateral-dependent loans. (2) Includes $1.4 billion in time deposits in excess of the FDIC insurance coverage limit at both March 31, 2024 and December 31, 2023. The following table presents the level in the fair value hierarchy for the estimated fair values. Estimated Fair Value Measurements at Reporting Date Using Netting Adjustments (1) Presented Balance (dollar amounts in millions) Level 1 Level 2 Level 3 At March 31, 2024 Financial Assets Trading account securities $ 92 $ 75 $ — $ — $ 167 Available-for-sale securities 5,027 18,389 3,385 — 26,801 Held-to-maturity securities — 13,171 — — 13,171 Other securities (2) 31 1 — — 32 Loans held for sale — 487 3 — 490 Net loans and leases — 117 117,324 — 117,441 Derivative assets — 1,734 6 (1,399) 341 Financial Liabilities Deposits — 137,131 16,044 — 153,175 Short-term borrowings — 182 — — 182 Long-term debt — 11,583 3,323 — 14,906 Derivative liabilities — 1,624 2 (872) 754 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 (1) Amounts represent the impact of legally enforceable master netting agreements that allow the Company to settle positive and negative positions and cash collateral held or placed with the same counterparties. (2) Excludes securities without readily determinable fair values.

DERIVATIVE FINANCIAL INSTRUMENT

DERIVATIVE FINANCIAL INSTRUMENTS	3 Months Ended
	Mar. 31, 2024
Derivative Instruments and Hedging Activities Disclosure [Abstract]
DERIVATIVE FINANCIAL INSTRUMENTS	DERIVATIVE FINANCIAL INSTRUMENTS Derivative financial instruments are recorded in the Unaudited Consolidated Balance Sheets as either an asset or a liability (in other assets or other liabilities, respectively) and measured at fair value. Derivative financial instruments can be designated as accounting hedges under GAAP. Designating a derivative as an accounting hedge allows Huntington to recognize gains and losses on the hedging instruments in the income statement line item where the gains and losses on the hedged item are recognized. Gains and losses on derivatives that are not designated in an effective hedge relationship under GAAP immediately impact earnings within the period they occur. The following table presents the fair values and notional values of all derivative instruments included in the Unaudited Consolidated Balance Sheets. Amounts in the table below are presented gross without the impact of any net collateral arrangements. At March 31, 2024 At December 31, 2023 (dollar amounts in millions) Notional Value Asset Liability Notional Value Asset Liability Derivatives designated as Hedging Instruments Interest rate contracts $ 41,517 $ 842 $ 704 $ 38,017 $ 868 $ 519 Foreign exchange contracts 230 — 2 222 6 — Derivatives not designated as Hedging Instruments Interest rate contracts 42,315 798 838 41,526 718 757 Foreign exchange contracts 4,640 47 34 5,257 69 76 Credit contracts 346 2 — 381 — 2 Commodities contracts 608 47 46 681 62 60 Equity contracts 820 4 2 759 — 7 Total contracts $ 90,476 $ 1,740 $ 1,626 $ 86,843 $ 1,723 $ 1,421 The following table presents the amount of gain or loss recognized in income for derivatives not designated as hedging instruments under ASC Subtopic 815-10 in the Unaudited Consolidated Income Statement. Location of Gain or (Loss) Recognized in Income on Derivative Amount of Gain or (Loss) Recognized in Income on Derivative Three Months Ended (dollar amounts in millions) March 31, 2024 March 31, 2023 Interest rate contracts: Customer Capital markets fees $ 5 $ 7 Mortgage banking Mortgage banking income (11) 9 Interest rate swaptions Other noninterest income — (1) Foreign exchange contracts Capital markets fees 11 12 Credit contracts Other noninterest income (2) — Commodities contracts Capital markets fees 1 2 Equity contracts Other noninterest expense (2) (1) Total $ 2 $ 28 Derivatives used in asset and liability management activities Huntington engages in balance sheet hedging activity, principally for asset and liability management purposes. Balance sheet hedging activity is generally arranged to receive hedge accounting treatment that can be classified as either fair value or cash flow hedges. Fair value hedges are executed to hedge changes in fair value of outstanding fixed-rate debt and investment securities caused by fluctuations in market interest rates. Cash flow hedges are executed to modify interest rate characteristics of designated commercial loans in order to reduce the impact of changes in future cash flows due to market interest rate changes. The following table presents the gross notional values of derivatives used in Huntington’s asset and liability management activities at March 31, 2024 and December 31, 2023, identified by the underlying interest rate-sensitive instruments. (dollar amounts in millions) Fair Value Hedges Cash Flow Hedges Economic Hedges Total At March 31, 2024 Instruments associated with: Investment securities $ 11,649 $ — $ — $ 11,649 Loans — 17,300 175 17,475 Long-term debt 12,568 — — 12,568 Total notional value $ 24,217 $ 17,300 $ 175 $ 41,692 At December 31, 2023 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 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 $68 million and a decrease to net interest income of $52 million for the three-month periods ended March 31, 2024, and 2023, 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 Unaudited Consolidated Balance Sheets. 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. Three Months Ended (dollar amounts in millions) March 31, 2024 March 31, 2023 Interest rate contracts Change in fair value of interest rate swaps hedging investment securities (1) $ 71 $ (182) Change in fair value of hedged investment securities (1) (72) 181 Change in fair value of interest rate swaps hedging long-term debt (2) (128) 116 Change in fair value of hedged long term debt (2) 128 (116) (1) Recognized in Interest income—available-for-sale securities—taxable in the Unaudited Consolidated Statements of Income . (2) Recognized in Interest expense—long-term debt in the Unaudited Consolidated Statements of Income . The following amounts were recorded on the balance sheet related to cumulative basis adjustments for fair value hedges. Amortized Cost Cumulative Amount of Fair Value Hedging Adjustment To Hedged Items (dollar amounts in millions) At March 31, 2024 At December 31, 2023 At March 31, 2024 At December 31, 2023 Assets Investment securities (1) $ 17,967 $ 18,241 $ (770) $ (698) Liabilities Long-term debt (2) 12,250 9,909 (243) (115) (1) Amounts include the amortized cost basis of closed portfolios used to designate hedging relationships under the portfolio layer method. The hedged item is a layer of the closed portfolio which is expected to be remaining at the end of the hedging relationship. As of March 31, 2024, the amortized cost basis of the closed portfolios used in these hedging relationships was $17.4 billion, the cumulative basis adjustments associated with these hedging relationships was $680 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 $(66) million at March 31, 2024 and $(69) million at December 31, 2023. Cash Flow Hedges At March 31, 2024, Huntington has $17.3 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 March 31, 2024, the net losses recognized in AOCI that are expected to be reclassified into earnings within the next 12 months were $174 million. Derivatives used in mortgage banking activities Mortgage loan origination hedging activity Huntington’s mortgage origination hedging activity is related to economically hedging Huntington’s mortgage pricing commitments to customers and the secondary sale to third parties. The value of a newly originated mortgage is not firm until the interest rate is committed or locked. Forward commitments to sell economically hedge the possible loss on interest rate lock commitments due to interest rate change. The position of these derivatives at March 31, 2024 and December 31, 2023 were a net asset of $4 million and a net liability of $4 million, respectively. At March 31, 2024 and December 31, 2023, Huntington had commitments to sell residential real estate loans of $714 million and $674 million, respectively. These contracts mature in less than one year. MSR hedging activity Huntington’s MSR economic hedging activity uses securities and derivatives to manage the value of the MSR asset and to mitigate the various types of risk inherent in the MSR asset, including risks related to duration, basis, convexity, volatility, and yield curve. The hedging instruments include forward commitments, TBA securities, Treasury futures contracts, interest rate swaps, and options on interest rate swaps. MSR hedging trading assets and liabilities are included in other assets and other liabilities, respectively, in the Unaudited Consolidated Balance Sheets. Trading gains (losses) are included in mortgage banking income in the Unaudited Consolidated Statement of Income. The notional value of the derivative financial instruments, the corresponding trading assets and liabilities positions, and net trading gains (losses) related to MSR hedging activity is summarized in the following tables. (dollar amounts in millions) At March 31, 2024 At December 31, 2023 Notional value $ 1,428 $ 1,668 Trading liabilities (77) (69) Three Months Ended (dollar amounts in millions) March 31, 2024 March 31, 2023 Trading (losses) gains $ (19) $ 9 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 March 31, 2024 and December 31, 2023, were $57 million and $47 million, respectively. The total notional values of derivative financial instruments used by Huntington on behalf of customers, including offsetting derivatives, were $44.7 billion and $44.5 billion at March 31, 2024 and December 31, 2023, respectively. Huntington’s credit risk from customer derivatives was $78 million and $122 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 was $346 million and $381 million at March 31, 2024 and December 31, 2023, respectively. The position of these derivatives was a net asset of $2 million and net liability of $2 million at March 31, 2024 and December 31, 2023, respectively. Financial assets and liabilities that are offset in the Unaudited Consolidated Balance Sheets Huntington records derivatives at fair value as further described in Note 12 - “ Fair Values of Assets and Liabilities ”. Derivative balances are presented on a net basis taking into consideration the effects of legally enforceable master netting agreements. Additionally, collateral exchanged with counterparties is also netted against the applicable derivative fair values. Huntington enters into derivative transactions with two primary groups: broker-dealers and banks, and Huntington’s customers. Different methods are utilized for managing counterparty credit exposure and credit risk for each of these groups. Huntington enters into transactions with broker-dealers and banks for various risk management purposes. These types of transactions generally are high dollar volume. Huntington enters into collateral and master netting agreements with these counterparties, and routinely exchanges cash and high quality securities collateral. Huntington enters into transactions with customers to meet their financing, investing, payment and risk management needs. These types of transactions generally are low dollar volume. Huntington enters into master netting agreements with customer counterparties; however, collateral is generally not exchanged with customer counterparties. In addition to the customer derivative credit exposure, aggregate credit risk associated with broker-dealer and bank derivative transactions was net credit risk of $255 million and $238 million at March 31, 2024 and December 31, 2023, respectively. The net credit risk associated with derivatives is calculated after considering master netting agreements and is reduced by collateral that has been pledged by the counterparty. At March 31, 2024, Huntington pledged $181 million of investment securities and cash collateral to counterparties, while other counterparties pledged $616 million of investment securities and cash collateral to Huntington to satisfy collateral netting agreements. In the event of credit downgrades, Huntington would not be required to provide additional collateral. The following tables present the gross amounts of these assets and liabilities with any offsets to arrive at the net amounts recognized in the Unaudited Consolidated Balance Sheets. Offsetting of Financial Assets and Derivative Assets Gross amounts Net amounts of Gross amounts not offset in the (dollar amounts in millions) Gross amounts of recognized assets Financial instruments Cash collateral received Net amount At March 31, 2024 $ 1,740 $ (1,399) $ 341 $ — $ (10) $ 331 At December 31, 2023 1,723 (1,330) 393 (45) (4) 344 Offsetting of Financial Liabilities and Derivative Liabilities Gross amounts offset in the unaudited consolidated balance sheets Net amounts of liabilities presented in the unaudited consolidated balance sheets Gross amounts not offset in the (dollar amounts in millions) Gross amounts of recognized liabilities Financial instruments Cash collateral delivered Net amount At March 31, 2024 $ 1,626 $ (872) $ 754 $ (23) $ (87) $ 644 At December 31, 2023 1,421 (751) 670 — (93) 577

VARIABLE INTEREST ENTITIES

VARIABLE INTEREST ENTITIES	3 Months Ended
	Mar. 31, 2024
Organization, Consolidation and Presentation of Financial Statements [Abstract]
VARIABLE INTEREST ENTITIES	VARIABLE INTEREST ENTITIES Consolidated VIEs During the first quarter of 2024, Huntington entered into an auto securitization involving a VIE. The VIE evaluation determined that Huntington is the primary beneficiary of the VIE, and therefore, must account for the VIE as a consolidated subsidiary. In addition, Huntington engages in activities with other VIEs in the normal course of business that result in Huntington being the primary beneficiary and which are consolidated in Huntington’s financial statements. The following table provides a summary of the assets and liabilities of VIEs carried on Huntington’s Unaudited Consolidated Balance Sheets. (dollar amounts in millions) At March 31, 2024 At December 31, 2023 Assets Net loans and leases $ 1,537 $ — Other assets 136 82 Total assets $ 1,673 $ 82 Liabilities Long-term borrowings $ 1,401 $ — Other liabilities 55 57 Total liabilities $ 1,456 $ 57 As part of the securitization transaction, Huntington transferred $1.6 billion in aggregate automobile loans to a SPE which was deemed to be a VIE. This SPE then issued approximately $1.6 billion of asset-backed notes, of which approximately $128 million were retained by Huntington. The primary purpose of the VIE in the securitization transaction is to issue asset-backed securities with varying levels of credit subordination and payment priority. Huntington retained notes and residual interest in the VIE and, therefore, has an obligation to absorb losses and a right to receive benefits that could potentially be significant to the VIE. In addition, Huntington retained servicing rights for the underlying loans and, therefore, holds the power to direct the activities of the VIE that most significantly impact the economic performance of the VIE. The assets of the VIE are restricted to the settlement of the asset-backed securities and other obligations of the VIE. Third-party holders of the asset-backed notes do not have recourse to the general assets of Huntington. The economic performance of the VIE is most significantly impacted by the performance of the underlying loans. The VIE is exposed to credit and prepayment risk, which are managed through credit enhancements in the form of reserve accounts, over-collateralization, excess interest on the loans, and the subordination of certain classes of asset-backed securities. Consolidated VIEs at March 31, 2024 and December 31, 2023 also included investments in LIHTC operating entities that were syndicated and where we serve as the general partner and manager. As manager of these entities, we have the power to direct the activities that most significantly impact economic performance, as well as an obligation to absorb significant expected losses, of the entities. Unconsolidated VIEs The following tables provide a summary of the assets and liabilities included in Huntington’s Unaudited Consolidated Financial Statements, as well as the maximum exposure to losses, associated with its interests related to unconsolidated VIEs for which Huntington holds an interest in, but is not the primary beneficiary. (dollar amounts in millions) Total Assets Total Liabilities Maximum Exposure to Loss At March 31, 2024 Affordable Housing Tax Credit Partnerships $ 2,349 $ 1,267 $ 2,349 Trust Preferred Securities 14 248 — Other Investments 922 146 922 Total $ 3,285 $ 1,661 $ 3,271 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 Affordable Housing and Other Tax Credit Investments 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. In the first quarter of 2024, Huntington adopted ASU 2023-02 which expanded the proportional amortization method to tax credit programs beyond LIHTC investments. In addition to LIHTC investments, Huntington elected to apply the proportional amortization method to certain tax credit investments that combine LIHTC with other types of credits and historical tax credits. Huntington does not have a material amount of investments in these additional categories. Huntington uses the proportional amortization method to account for a majority of its investments in these entities. These investments are included in other assets. Investments that do not meet the requirements of the proportional amortization method are accounted for using the equity method. Investment losses are included in Other noninterest income in the Unaudited Consolidated Statements of Income. The following table presents the balances of Huntington’s affordable housing tax credit investments and related unfunded commitments. (dollar amounts in millions) At March 31, 2024 At December 31, 2023 Affordable housing tax credit investments $ 3,450 $ 3,335 Less: amortization (1,101) (1,038) Net affordable housing tax credit investments $ 2,349 $ 2,297 Unfunded commitments $ 1,267 $ 1,279 The following table presents other information relating to Huntington’s affordable housing tax credit investments. Three Months Ended (dollar amounts in millions) March 31, 2024 March 31, 2023 Tax credits and other tax benefits recognized $ 76 $ 66 Proportional amortization expense included in provision for income taxes 63 54 There were no sales of affordable housing tax credit investments during the three-month periods ended March 31, 2024 and 2023. There was no impairment recognized for the three-month periods ended March 31, 2024 and 2023. Trust-Preferred Securities Huntington has certain wholly-owned trusts whose assets, liabilities, equity, income, and expenses are not included within Huntington’s Unaudited Consolidated Financial Statements. These trusts have been formed for the sole purpose of issuing trust-preferred securities, from which the proceeds are then invested in Huntington junior subordinated debentures, which are reflected in Huntington’s Unaudited Consolidated Balance Sheet as long-term debt. The trust securities are the obligations of the trusts, and as such, are not consolidated within Huntington’s Unaudited Consolidated Financial Statements. Other investments Other investments determined to be VIE’s include investments in Small Business Investment Companies, Historic Tax Credit Investments, certain equity method investments, renewable energy financings, and other miscellaneous investments.

COMMITMENTS AND CONTINGENT LIAB

COMMITMENTS AND CONTINGENT LIABILITIES	3 Months Ended
	Mar. 31, 2024
Commitments and Contingencies Disclosure [Abstract]
COMMITMENTS AND CONTINGENT LIABILITIES	COMMITMENTS AND CONTINGENT LIABILITIES Commitments to extend credit In the ordinary course of business, Huntington makes various commitments to extend credit that are not reflected in the Unaudited Consolidated Financial Statements. The contract amounts of these financial agreements were as follows: (dollar amounts in millions) At March 31, 2024 At December 31, 2023 Contract amount representing credit risk Commitments to extend credit: Commercial $ 32,531 $ 32,344 Consumer 19,916 19,270 Commercial real estate 2,238 2,543 Standby letters of credit and guarantees on industrial revenue bonds 736 814 Commercial letters of credit 7 9 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 $13 million and $9 million at March 31, 2024 and December 31, 2023, respectively. Other Guarantees Huntington provides guarantees to certain third-party investors in connection with the sale of syndicated affordable housing tax credits. These guarantees are generally in the form of make-whole provisions that are triggered if the underlying performance of LIHTC properties result in a shortfall to the third-party investors and remain in effect until the final associated tax credits are realized. The maximum amount guaranteed by the Company under these arrangements total approximately $79 million at both March 31, 2024 and December 31, 2023, and represents the guaranteed portion in these transactions where the make-whole provisions have not yet expired. Litigation and Regulatory Matters In the ordinary course of business, Huntington is routinely a defendant in or party to pending and threatened legal and regulatory actions and proceedings. In view of the inherent difficulty of predicting the outcome of such matters, particularly where the claimants seek very large or indeterminate damages or where the matters present novel legal theories or involve a large number of parties, Huntington generally cannot predict what the eventual outcome of the pending matters will be, what the timing of the ultimate resolution of these matters will be, or what the eventual loss, fines or penalties related to each matter may be. Huntington establishes an accrued liability when those matters present loss contingencies that are both probable and estimable. In such cases, there may be an exposure to loss in excess of any amounts accrued. Huntington thereafter continues to monitor the matter for further developments that could affect the amount of the accrued liability that has been previously established. For certain matters, Huntington is able to estimate a range of possible loss. In cases in which Huntington possesses information to estimate a range of possible loss, that estimate is aggregated and disclosed below. There may be other matters for which a loss is probable or reasonably possible but such an estimate of the range of possible loss may not be possible. For those matters where an estimate of the range of possible loss is possible, management currently estimates the aggregate range of reasonably possible loss is $0 to $20 million at March 31, 2024 in excess of the accrued liability (if any) related to those matters. This estimated range of possible loss is based upon currently available information and is subject to significant judgment, a variety of assumptions, and known and unknown uncertainties. The matters underlying the estimated range will change from time to time, and actual results may vary significantly from the current estimate. The estimated range of possible loss does not represent Huntington’s maximum loss exposure. Based on current knowledge, management does not believe that loss contingencies arising from pending matters will have a material adverse effect on the consolidated financial position of Huntington. Further, management believes that amounts accrued are adequate to address Huntington’s contingent liabilities. However, in light of the inherent uncertainties involved in these matters, some of which are beyond Huntington’s control, and the large or indeterminate damages sought in some of these matters, an adverse outcome in one or more of these matters could be material to Huntington’s results of operations for any particular reporting period.

SEGMENT REPORTING

SEGMENT REPORTING	3 Months Ended
	Mar. 31, 2024
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. During the second quarter of 2023, we completed an organizational realignment and now report on two business segments: Consumer & Regional Banking and Commercial Banking. The Treasury / Other function includes technology and operations, other unallocated assets, liabilities, revenue, and expense. For a description of our business segments, see Note 25 - “Segment Reporting” to the Consolidated Financial Statements appearing in Huntington’s 2023 Annual Report on Form 10-K. Prior period results have been adjusted to conform to the current presentation. Listed in the following tables is certain operating basis financial information reconciled to Huntington’s, reported results by business segment. Income Statements Consumer & Regional Banking Commercial Banking Treasury / Other Huntington Consolidated (dollar amounts in millions) Three months ended March 31, 2024 Net interest income (loss) $ 956 $ 523 $ (192) $ 1,287 Provision for credit losses 46 61 — 107 Noninterest income 308 145 14 467 Noninterest expense 777 294 66 1,137 Provision (benefit) for income taxes 93 66 (73) 86 Income attributable to non-controlling interest — 5 — 5 Net income (loss) attributable to Huntington $ 348 $ 242 $ (171) $ 419 Three months ended March 31, 2023 Net interest income $ 871 $ 541 $ (3) $ 1,409 Provision for credit losses 46 39 — 85 Noninterest income 344 156 12 512 Noninterest expense 754 278 54 1,086 Provision (benefit) for income taxes 87 80 (23) 144 Income attributable to non-controlling interest — 4 — 4 Net income (loss) attributable to Huntington $ 328 $ 296 $ (22) $ 602 Assets Deposits (dollar amounts in millions) At March 31, 2024 At December 31, 2023 At March 31, 2024 At December 31, 2023 Consumer & Regional Banking $ 73,340 $ 73,082 $ 112,032 $ 110,157 Commercial Banking 63,365 63,377 35,619 35,466 Treasury / Other 56,814 52,909 5,574 5,607 Total $ 193,519 $ 189,368 $ 153,225 $ 151,230

ACCOUNTING STANDARDS UPDATE (Po

ACCOUNTING STANDARDS UPDATE (Policies)	3 Months Ended
	Mar. 31, 2024
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 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. • Huntington adopted the standard effective January 1, 2024 on a modified retrospective basis. • The adoption did not result in a material impact on Huntington’s Unaudited Consolidated Financial Statements. Accounting standards yet to be adopted Standard Summary of guidance Summary of guidance 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 Unaudited 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 Unaudited Consolidated Financial Statements.

INVESTMENT SECURITIES AND OTH_2

INVESTMENT SECURITIES AND OTHER SECURITIES (Tables)	3 Months Ended
	Mar. 31, 2024
Investments, Debt and Equity Securities [Abstract]
Amortized Cost, Fair Value, and Gross Unrealized Gains and Losses by Investment Category	The following tables provide amortized cost, fair value, and gross unrealized gains and losses by investment category. Unrealized (dollar amounts in millions) Amortized Cost (1)(2) Gross Gross Fair Value At March 31, 2024 Available-for-sale securities: U.S. Treasury $ 5,027 $ — $ — $ 5,027 Federal agencies: Residential CMO 3,519 — (444) 3,075 Residential MBS 12,893 1 (1,964) 10,930 Commercial MBS 2,530 — (735) 1,795 Other agencies 154 — (7) 147 Total U.S. Treasury, federal agency, and other agency securities 24,123 1 (3,150) 20,974 Municipal securities 3,475 13 (157) 3,331 Private-label CMO 128 1 (12) 117 Asset-backed securities 379 — (28) 351 Corporate debt 2,179 89 (250) 2,018 Other securities/Sovereign debt 10 — — 10 Total available-for-sale securities $ 30,294 $ 104 $ (3,597) $ 26,801 Held-to-maturity securities: Federal agencies: Residential CMO $ 4,664 $ 1 $ (706) $ 3,959 Residential MBS 9,175 — (1,301) 7,874 Commercial MBS 1,482 — (232) 1,250 Other agencies 93 — (7) 86 Total federal agency and other agency securities 15,414 1 (2,246) 13,169 Municipal securities 2 — — 2 Total held-to-maturity securities $ 15,416 $ 1 $ (2,246) $ 13,171 Other securities, at cost: Non-marketable equity securities: Federal Home Loan Bank stock $ 159 $ — $ — $ 159 Federal Reserve Bank stock 518 — — 518 Equity securities 18 — — 18 Other securities, at fair value: Mutual funds 31 — — 31 Equity securities 1 — — 1 Total other securities $ 727 $ — $ — $ 727 (1) Amortized cost amounts exclude accrued interest receivable, which is recorded within accrued income and other receivables on the Unaudited Consolidated Balance Sheet s . At March 31, 2024, accrued interest receivable on available-for-sale securities and held-to-maturity securities totaled $72 million and $35 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 $680 million and represent a reduction to the amortized cost of the securities being hedged. The securities being hedged under the portfolio layer method are primarily Residential CMO and Residential MBS securities. Unrealized (dollar amounts in millions) Amortized Gross Gross Fair Value At December 31, 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 Unaudited 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.
Investments by Contractual Maturity	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 March 31, 2024 At December 31, 2023 (dollar amounts in millions) Amortized Fair Amortized Fair Available-for-sale securities: Under 1 year $ 5,093 $ 5,084 $ 3,380 $ 3,372 After 1 year through 5 years 2,995 2,842 2,484 2,338 After 5 years through 10 years 2,312 2,192 2,392 2,255 After 10 years 19,894 16,683 20,309 17,340 Total available-for-sale securities $ 30,294 $ 26,801 $ 28,565 $ 25,305 Held-to-maturity securities: Under 1 year $ — $ — $ 1 $ 1 After 1 year through 5 years 42 40 48 46 After 5 years through 10 years 66 62 69 66 After 10 years 15,308 13,069 15,632 13,605 Total held-to-maturity securities $ 15,416 $ 13,171 $ 15,750 $ 13,718
Investments with Unrealized Losses by Investment Category	The following tables provide detail on investment securities with unrealized losses aggregated by investment category and the length of time the individual securities have been in a continuous loss position. Less than 12 Months Over 12 Months Total (dollar amounts in millions) Fair Gross Unrealized Fair Gross Unrealized Fair Gross Unrealized At March 31, 2024 Available-for-sale securities: Federal agencies: Residential CMO $ 364 $ (4) $ 2,711 $ (440) $ 3,075 $ (444) Residential MBS 238 (2) 10,554 (1,962) 10,792 (1,964) Commercial MBS — — 1,795 (735) 1,795 (735) Other agencies — — 78 (7) 78 (7) Total federal agency and other agency securities 602 (6) 15,138 (3,144) 15,740 (3,150) Municipal securities 613 (14) 2,522 (143) 3,135 (157) Private-label CMO — — 96 (12) 96 (12) Asset-backed securities — — 279 (28) 279 (28) Corporate debt — — 2,018 (250) 2,018 (250) Total temporarily impaired available-for-sale securities $ 1,215 $ (20) $ 20,053 $ (3,577) $ 21,268 $ (3,597) Held-to-maturity securities: Federal agencies: Residential CMO $ 159 $ (2) $ 3,532 $ (704) $ 3,691 $ (706) Residential MBS — — 7,778 (1,301) 7,778 (1,301) Commercial MBS — — 1,250 (232) 1,250 (232) Other agencies — — 86 (7) 86 (7) Total federal agency and other agency securities 159 (2) 12,646 (2,244) 12,805 (2,246) Total temporarily impaired held-to-maturity securities $ 159 $ (2) $ 12,646 $ (2,244) $ 12,805 $ (2,246) 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)

LOANS AND LEASES (Tables)

LOANS AND LEASES (Tables)	3 Months Ended
	Mar. 31, 2024
Receivables [Abstract]
Loan and Lease Portfolio	The following table provides a detailed listing of Huntington’s loan and lease portfolio. (dollar amounts in millions) At March 31, 2024 At December 31, 2023 Commercial loan and lease portfolio: Commercial and industrial $ 51,500 $ 50,657 Commercial real estate 12,342 12,422 Lease financing 5,133 5,228 Total commercial loan and lease portfolio 68,975 68,307 Consumer loan portfolio: Residential mortgage 23,744 23,720 Automobile 12,662 12,482 Home equity 10,047 10,113 RV and marine 5,887 5,899 Other consumer 1,452 1,461 Total consumer loan portfolio 53,792 53,675 Total loans and leases (1)(2) 122,767 121,982 Allowance for loan and lease losses (2,280) (2,255) Net loans and leases $ 120,487 $ 119,727 (1) Loans and leases are reported at principal amount outstanding including unamortized purchase premiums and discounts, unearned income, and net direct fees and costs associated with originating and acquiring loans and leases. The aggregate amount of these loan and lease adjustments was a net discount of $349 million and $323 million at March 31, 2024 and December 31, 2023, respectively. (2) The total amount of accrued interest recorded for these loans and leases at March 31, 2024, was $340 million and $222 million of commercial and consumer loan and lease portfolios, respectively, and at December 31, 2023, was $333 million and $220 million of commercial and consumer loan and lease portfolios, respectively. Accrued interest is presented in accrued income and other receivables within the Unaudited Consolidated Balance Sheet
Direct Financing Lease, Lease Income	The following table presents net investments in lease financing receivables by category. (dollar amounts in millions) At March 31, 2024 At December 31, 2023 Lease payments receivable $ 4,880 $ 4,980 Estimated residual value of leased assets 803 804 Gross investment in lease financing receivables 5,683 5,784 Deferred origination costs 54 54 Deferred fees, unearned income and other (604) (610) Total lease financing receivables $ 5,133 $ 5,228
NALs and Past Due Loans	The following table presents NALs by class. At March 31, 2024 At December 31, 2023 (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 $ 68 $ 376 $ 66 $ 344 Commercial real estate 37 154 64 140 Lease financing — 10 3 14 Residential mortgage — 75 — 72 Automobile — 4 — 4 Home equity — 96 — 91 RV and marine — 1 — 2 Total nonaccrual loans and leases $ 105 $ 716 $ 133 $ 667
Aging analysis of loans and leases	The following tables present an aging analysis of loans and leases, by class. Past Due (1) Loans Accounted for Under FVO Total Loans 90 or (dollar amounts in millions) 30-59 60-89 90 or Total Current At March 31, 2024 Commercial and industrial $ 57 $ 36 $ 137 $ 230 $ 51,270 $ — $ 51,500 $ 1 (2) Commercial real estate 18 32 96 146 12,196 — 12,342 — Lease financing 27 14 5 46 5,087 — 5,133 3 Residential mortgage 205 68 195 468 23,101 175 23,744 148 (3) Automobile 75 17 10 102 12,560 — 12,662 8 Home equity 56 29 83 168 9,879 — 10,047 17 RV and marine 17 4 3 24 5,863 — 5,887 2 Other consumer 11 4 4 19 1,433 — 1,452 4 Total loans and leases $ 466 $ 204 $ 533 $ 1,203 $ 121,389 $ 175 $ 122,767 $ 183 At December 31, 2023 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 (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 March 31, 2024 Term Loans Amortized Cost Basis by Origination Year Revolver Total at Amortized Cost Basis Revolver Total Converted to Term Loans (dollar amounts in millions) 2024 2023 2022 2021 2020 Prior Total Commercial and industrial Credit Quality Indicator (1): Pass $ 4,493 $ 12,002 $ 8,692 $ 3,364 $ 1,976 $ 2,458 $ 15,168 $ 5 $ 48,158 OLEM 25 211 243 74 30 37 256 — 876 Substandard 118 380 428 230 148 209 952 — 2,465 Doubtful — — — — — 1 — — 1 Total Commercial and industrial $ 4,636 $ 12,593 $ 9,363 $ 3,668 $ 2,154 $ 2,705 $ 16,376 $ 5 $ 51,500 Commercial real estate Credit Quality Indicator (1): Pass $ 356 $ 1,264 $ 3,235 $ 1,674 $ 1,011 $ 2,286 $ 557 $ — $ 10,383 OLEM 11 80 410 133 55 121 60 — 870 Substandard 17 213 379 176 24 264 16 — 1,089 Total Commercial real estate $ 384 $ 1,557 $ 4,024 $ 1,983 $ 1,090 $ 2,671 $ 633 $ — $ 12,342 Lease financing Credit Quality Indicator (1): Pass $ 384 $ 1,924 $ 1,159 $ 724 $ 502 $ 272 $ — $ — $ 4,965 OLEM — 15 19 3 1 10 — — 48 Substandard 1 26 46 22 13 12 — — 120 Total Lease financing $ 385 $ 1,965 $ 1,224 $ 749 $ 516 $ 294 $ — $ — $ 5,133 Residential mortgage Credit Quality Indicator (2): 750+ $ 212 $ 2,257 $ 4,041 $ 5,995 $ 3,252 $ 2,877 $ — $ — $ 18,634 650-749 88 781 903 894 471 901 — — 4,038 <650 7 43 84 97 74 592 — — 897 Total Residential mortgage $ 307 $ 3,081 $ 5,028 $ 6,986 $ 3,797 $ 4,370 $ — $ — $ 23,569 Automobile Credit Quality Indicator (2): 750+ $ 1,045 $ 2,156 $ 1,831 $ 1,372 $ 630 $ 339 $ — $ — $ 7,373 650-749 412 1,493 1,092 753 300 160 — — 4,210 <650 31 274 303 273 114 84 — — 1,079 Total Automobile $ 1,488 $ 3,923 $ 3,226 $ 2,398 $ 1,044 $ 583 $ — $ — $ 12,662 Home equity Credit Quality Indicator (2): 750+ $ 43 $ 393 $ 414 $ 496 $ 517 $ 247 $ 4,404 $ 226 $ 6,740 650-749 20 107 95 62 53 96 2,035 225 2,693 <650 — 4 9 5 4 46 413 133 614 Total Home equity $ 63 $ 504 $ 518 $ 563 $ 574 $ 389 $ 6,852 $ 584 $ 10,047 RV and marine Credit Quality Indicator (2): 750+ $ 226 $ 1,059 $ 934 $ 816 $ 557 $ 847 $ — $ — $ 4,439 650-749 38 353 232 246 147 284 — — 1,300 <650 — 13 19 30 23 63 — — 148 Total RV and marine $ 264 $ 1,425 $ 1,185 $ 1,092 $ 727 $ 1,194 $ — $ — $ 5,887 Other consumer Credit Quality Indicator (2): 750+ $ 69 $ 141 $ 70 $ 34 $ 16 $ 56 $ 409 $ 1 $ 796 650-749 29 82 37 14 5 14 386 12 579 <650 1 9 6 3 1 2 41 14 77 Total Other consumer $ 99 $ 232 $ 113 $ 51 $ 22 $ 72 $ 836 $ 27 $ 1,452 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 (1) Consistent with the credit quality disclosures, indicators for the Commercial portfolio are based on internally defined categories of credit grades. (2) Consistent with the credit quality disclosures, indicators for the Consumer portfolio are based on updated customer credit scores refreshed at least quarterly. The following tables present the gross charge-offs of loans and leases by vintage. Term Loans Gross Charge-offs by Origination Year Revolver Gross Charge-offs Revolver Converted to Term Loans Gross Charge-offs (dollar amounts in millions) 2024 2023 2022 2021 2020 Prior Total Three months ended March 31, 2024 Commercial and industrial $ — $ 5 $ 11 $ 15 $ 11 $ 2 $ 10 $ 1 $ 55 Commercial real estate — 1 9 1 — 6 — — 17 Lease Financing — — — 1 — 1 — — 2 Residential mortgage — — — — — 1 — — 1 Automobile — 4 5 4 2 — — — 15 Home equity — — — — — — — 2 2 RV and marine — 1 1 2 1 3 — — 8 Other consumer 1 7 5 2 1 3 — 9 28 Total $ 1 $ 18 $ 31 $ 25 $ 15 $ 16 $ 10 $ 12 $ 128 Term Loans Gross Charge-offs by Origination Year Revolver Gross Charge-offs Revolver Converted to Term Loans Gross Charge-offs Three months ended March 31, 2023 2023 2022 2021 2020 2019 Prior Total Commercial and industrial $ 1 $ 14 $ 3 $ 6 $ 4 $ — $ 4 $ — $ 32 Commercial real estate — — 19 — — — — — 19 Lease Financing — — — — — 1 — — 1 Residential mortgage — — 1 — — 1 — — 2 Automobile — 3 4 2 1 2 — — 12 Home equity — — — — — — 1 1 2 RV and marine — — 1 1 1 1 — — 4 Other consumer 1 8 5 1 1 4 — 7 27 Total $ 2 $ 25 $ 33 $ 10 $ 7 $ 9 $ 5 $ 8 $ 99
Summary of modifications	The following table summarizes the amortized cost basis of loans modified during the reporting period to borrowers experiencing financial difficulty, disaggregated by class of financing receivable and type of modification. Amortized Cost (dollar amounts in millions) Interest rate reduction Term extension Payment deferral Combo - interest rate reduction and term extension Total % of total loan class (1) Three months ended March 31, 2024 Commercial and industrial $ 87 $ 154 $ — $ 7 $ 248 0.48 % Commercial real estate — 31 — — 31 0.25 Residential mortgage — 10 3 1 14 0.06 Automobile — 4 — — 4 0.03 Home equity — 1 — 4 5 0.05 Total loans to borrowers experiencing financial difficulty in which modifications were made $ 87 $ 200 $ 3 $ 12 $ 302 0.25 % Three months ended March 31, 2023 Commercial and industrial $ 35 $ 124 $ — $ 3 $ 162 0.32 % Commercial real estate — 48 — — 48 0.36 Residential mortgage — 23 — 1 24 0.11 Automobile — 3 — — 3 0.02 Home equity — — — 3 3 0.03 RV and marine — 1 — — 1 0.02 Total loans to borrowers experiencing financial difficulty in which modifications were made $ 35 $ 199 $ — $ 7 $ 241 0.21 % (1) Represents the amortized cost of loans modified during the reporting period as a percentage of the period-end loan balance by class. The following table describes the financial effect of the modification made to borrowers experiencing financial difficulty. Interest Rate Reduction (1) Term Extension (1) Weighted-average contractual interest rate Weighted-average years added to the life From To Three months ended March 31, 2024 Commercial and industrial 8.24 % 7.28 % 0.4 Commercial real estate 0.6 Residential mortgage 7.25 5.20 8.6 Three months ended March 31, 2023 Commercial and industrial 7.60 % 6.80 % 0.9 Commercial real estate 0.6 Residential mortgage 5.36 4.14 6.3 (1) Certain disclosures related to financial effects of modifications do not include those deemed to be immaterial. At March 31, 2024 Past Due (dollar amounts in millions) 30-59 60-89 90 or Total Current Total Commercial and industrial $ 2 $ 11 $ 11 $ 24 $ 449 $ 473 Commercial real estate 2 7 — 9 118 127 Residential mortgage 8 5 9 22 31 53 Automobile 2 — — 2 14 16 Home equity 1 1 1 3 11 14 RV and marine — — — — 1 1 Total loans to borrowers experiencing financial difficulty in which modifications were made in the twelve months ended March 31, 2024 $ 15 $ 24 $ 21 $ 60 $ 624 $ 684 At March 31, 2023 (1) Past Due (dollar amounts in millions) 30-59 60-89 90 or Total Current Total Commercial and industrial $ — $ — $ — $ — $ 162 $ 162 Commercial real estate — — — — 48 48 Residential mortgage 4 4 — 8 16 24 Automobile — — — — 3 3 Home equity — — — — 3 3 RV and marine — — — — 1 1 Total loans to borrowers experiencing financial difficulty in which modifications were made in the three months ended March 31, 2023 $ 4 $ 4 $ — $ 8 $ 233 $ 241 (1) Huntington adopted ASU 2022-02 - Financial Instruments - Credit Losses (Topic 326): Troubled Debt Restructurings and Vintage Disclosures effective January 1, 2023, therefore, the at March 31, 2023 presentation only includes loans since guidance became effective.

ALLOWANCE FOR CREDIT LOSSES (Ta

ALLOWANCE FOR CREDIT LOSSES (Tables)	3 Months Ended
	Mar. 31, 2024
Credit Loss [Abstract]
Allowance Roll-forward	Allowance for Credit Losses - Roll-forward The following tables present ACL activity by portfolio segment. (dollar amounts in millions) Commercial Consumer Total Three months ended March 31, 2024 ALLL balance, beginning of period $ 1,563 $ 692 $ 2,255 Loan and lease charge-offs (74) (54) (128) Recoveries of loans and leases previously charged-off 19 17 36 Provision for loan and lease losses 81 36 117 ALLL balance, end of period $ 1,589 $ 691 $ 2,280 AULC balance, beginning of period $ 66 $ 79 $ 145 Provision (benefit) for unfunded lending commitments 3 (13) (10) AULC balance, end of period $ 69 $ 66 $ 135 ACL balance, end of period $ 1,658 $ 757 $ 2,415 Three months ended March 31, 2023 ALLL balance, beginning of period $ 1,424 $ 697 $ 2,121 Loan and lease charge-offs (52) (47) (99) Recoveries of loans and leases previously charged-off 23 19 42 Provision for loan and lease losses 62 16 78 ALLL balance, end of period $ 1,457 $ 685 $ 2,142 AULC balance, beginning of period $ 71 $ 79 $ 150 Provision for unfunded lending commitments 4 3 7 AULC balance, end of period $ 75 $ 82 $ 157 ACL balance, end of period $ 1,532 $ 767 $ 2,299

MORTGAGE LOAN SALES AND SERVI_2

MORTGAGE LOAN SALES AND SERVICING RIGHTS (Tables)	3 Months Ended
	Mar. 31, 2024
Transfers and Servicing [Abstract]
Summarizes activity relating to loans securitized sold with servicing retained	The following table summarizes activity relating to residential mortgage loans sold with servicing retained. Three Months Ended (dollar amounts in millions) March 31, 2024 March 31, 2023 Residential mortgage loans sold with servicing retained $ 811 $ 862 Pretax gains resulting from above loan sales (1) 13 7 Total servicing, late, and other ancillary fees (1) 26 24 (1) Included in mortgage banking income.
Summarizes activity relating to loans sold with servicing retained using the fair value method	The following table summarizes the changes in MSRs recorded using the fair value method. Three Months Ended (dollar amounts in millions) March 31, 2024 March 31, 2023 Fair value, beginning of period $ 515 $ 494 New servicing assets created 10 13 Change in fair value during the period due to: Time decay (1) (6) (6) Payoffs (2) (5) (4) Changes in valuation inputs or assumptions (3) 20 (12) Fair value, end of period $ 534 $ 485 Loans serviced for third parties, unpaid principal balance $ 33,303 $ 33,237 (1) Represents decrease in value due to passage of time, including the impact from both regularly scheduled principal payments and partial loan paydowns. (2) Represents decrease in value associated with loans that paid off during the period. (3) Represents change in value resulting primarily from market-driven changes in interest rates.
Summary of key assumptions and the sensitivity of the servicing rights value to changes in the assumptions	A summary of key assumptions and the sensitivity of the MSR value to changes in these assumptions follows: At March 31, 2024 At December 31, 2023 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) 8.15 % $ (14) $ (28) 8.61 % $ (15) $ (28) Spread over forward interest rate swap rates 550 bps (12) (23) 538 bps (11) (22)

BORROWINGS (Tables)

BORROWINGS (Tables)	3 Months Ended
	Mar. 31, 2024
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: (dollar amounts in millions) At March 31, 2024 At December 31, 2023 Securities sold under agreements to repurchase $ 134 $ 618 Other borrowings 48 2 Total short-term borrowings $ 182 $ 620
Schedule of Long-term Debt Instruments	Huntington’s long-term debt consisted of the following: (dollar amounts in millions) At March 31, 2024 At December 31, 2023 The Parent Company: Senior Notes $ 5,423 $ 4,233 Subordinated Notes 748 760 Total notes issued by the parent 6,171 4,993 The Bank: Senior Notes 3,452 3,480 Subordinated Notes 661 662 Total notes issued by the bank 4,113 4,142 FHLB Advances 2,699 2,731 Auto Loan Securitization Trust (1) 1,401 — Other 510 528 Total long-term debt $ 14,894 $ 12,394 (1) Represents secured borrowings collateralized by auto loans with a weighted average rate of 5.38% due through 2029. See Note 14 - “Variable Interest Entities” for additional information.

OTHER COMPREHENSIVE INCOME (Tab

OTHER COMPREHENSIVE INCOME (Tables)	3 Months Ended
	Mar. 31, 2024
Equity [Abstract]
Components of other comprehensive income	The components of Huntington’s OCI were as follows: (dollar amounts in millions) Pretax Tax (expense) benefit After-tax Three months ended March 31, 2024 Unrealized losses on available-for-sale securities arising during the period, net of hedges $ (170) $ 40 $ (130) Reclassification adjustment for realized net losses included in net income 3 (1) 2 Total unrealized losses on available-for-sale securities, net of hedges (167) 39 (128) Unrealized losses on cash flow hedges during the period (161) 37 (124) Reclassification adjustment for cash flow hedges included in net income 67 (16) 51 Net change related to cash flow hedges on loans (94) 21 (73) Translation adjustments, net of hedges (1) (2) — (2) Other comprehensive loss $ (263) $ 60 $ (203) Three months ended March 31, 2023 Unrealized gains on available-for-sale securities arising during the period, net of hedges $ 197 $ (45) $ 152 Reclassification adjustment for realized net losses included in net income 3 (1) 2 Total unrealized gains on available-for-sale securities, net of hedges 200 (46) 154 Unrealized gains on cash flow hedges during the period 231 (53) 178 Reclassification adjustment for cash flow hedges included in net income 12 (1) 11 Net change related to cash flow hedges on loans 243 (54) 189 Other comprehensive income $ 443 $ (100) $ 343 (1) Foreign investments are deemed to be permanent in nature and, therefore, Huntington does not provide for taxes on foreign currency translation adjustments.
Activity in accumulated other comprehensive income, net of tax	Activity in accumulated OCI was as follows: (dollar amounts in millions) Unrealized gains (losses) on available-for-sale securities, net of hedges (1) Net change related to cash flow hedges on loans Translation adjustments, net of hedges Unrealized losses for pension and other post-retirement obligations Total Three months ended March 31, 2024 Balance, beginning of period $ (2,094) $ (363) $ (6) $ (213) $ (2,676) Other comprehensive loss before reclassifications (130) (124) (2) — (256) Amounts reclassified from accumulated OCI to earnings 2 51 — — 53 Period change (128) (73) (2) — (203) Balance, end of period $ (2,222) $ (436) $ (8) $ (213) $ (2,879) Three months ended March 31, 2023 Balance, beginning of period $ (2,248) $ (632) $ (8) $ (210) $ (3,098) Other comprehensive income before reclassifications 152 178 — — 330 Amounts reclassified from accumulated OCI to earnings 2 11 — — 13 Period change 154 189 — — 343 Balance, end of period $ (2,094) $ (443) $ (8) $ (210) $ (2,755) (1) AOCI amounts at March 31, 2024 and March 31, 2023 include $56 million and $64 million, respectively, of net unrealized losses (after-tax) on securities transferred from the available-for-sale securities portfolio to the held-to-maturity securities portfolio. The net unrealized losses will be recognized in earnings over the remaining life of the security using the effective interest method.

SHAREHOLDERS' EQUITY (Tables)

SHAREHOLDERS' EQUITY (Tables)	3 Months Ended
	Mar. 31, 2024
Equity [Abstract]
Schedule of Stock	The following is a summary of Huntington’s non-cumulative, non-voting, perpetual preferred stock outstanding. (dollar amounts in millions) Issuance Date Shares Outstanding Dividend Rate Earliest Redemption Date (1) Carrying Amount Series At March 31, 2024 At December 31, 2023 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 405 405 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 317 317 Total 881,587 $ 2,394 $ 2,394 (1) Redeemable at Huntington’s option on the date stated or on a quarterly basis thereafter. (2) Liquidation value and redemption price per share of $1,000, plus any declared and unpaid dividends. (3) 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-mo. LIBOR + 270 bps. (4) Liquidation value and redemption price per share of $100,000, plus any declared and unpaid dividends. (5) 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-mo. LIBOR +288 bps. (6) Liquidation value and redemption price per share of $25,000, plus any declared and unpaid dividends. The following table presents the dividends declared for each series of Preferred shares. Three Months Ended (amounts in millions, except per share data) March 31, 2024 March 31, 2023 Cash Dividend Declared Per Share Cash Dividend Declared Per Share Preferred Series Amount ($) Amount ($) Series B $ 20.69 $ (1) $ 18.82 $ (1) Series E 2,113.90 (8) 1,425.00 (7) Series F 1,406.25 (7) 1,406.25 (7) Series G 1,112.50 (6) 1,112.50 (6) Series H 11.25 (6) 11.25 (6) Series I 356.25 (2) 356.25 (2) Series J 17.19 (6) — — Total $ (36) $ (29)

EARNINGS PER SHARE (Tables)

EARNINGS PER SHARE (Tables)	3 Months Ended
	Mar. 31, 2024
Earnings Per Share [Abstract]
Basic and diluted earnings per share	The calculation of basic and diluted earnings per share was as follows: Three Months Ended (dollar amounts in millions, except per share data, share count in thousands) March 31, 2024 March 31, 2023 Basic earnings per common share: Net income attributable to Huntington $ 419 $ 602 Preferred stock dividends 36 29 Net income available to common shareholders $ 383 $ 573 Average common shares issued and outstanding 1,448,492 1,443,268 Basic earnings per common share $ 0.26 $ 0.40 Diluted earnings per common share: Average dilutive potential common shares: Stock options and restricted stock units and awards 17,396 19,613 Shares held in deferred compensation plans 7,447 6,398 Average dilutive potential common shares 24,843 26,011 Total diluted average common shares issued and outstanding 1,473,335 1,469,279 Diluted earnings per common share $ 0.26 $ 0.39 Anti-dilutive awards (1) 9,794 9,344 (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)	3 Months Ended
	Mar. 31, 2024
Revenue from Contract with Customer [Abstract]
Schedule of Noninterest Income	(dollar amounts in millions) Three Months Ended Noninterest income March 31, 2024 March 31, 2023 Noninterest income from contracts with customers $ 336 $ 377 Noninterest income within the scope of other GAAP topics 131 135 Total noninterest income $ 467 $ 512 The following table illustrates the disaggregation by operating segment and major revenue stream and reconciles disaggregated revenue to segment revenue presented in Note 16 - “ Segment Reporting ”. During the fourth quarter of 2023 we updated the presentation of our noninterest income categories to align product and service types more closely with how we strategically manage our business. Additionally, during the second quarter of 2023, we completed an organizational realignment and now report on two business segments. Prior period results for each reporting update have been adjusted to conform to the current presentation. (dollar amounts in millions) Consumer & Regional Banking Commercial Banking Treasury / Other Huntington Consolidated Major Revenue Streams Three months ended March 31, 2024 Payments and cash management revenue $ 107 $ 27 $ — $ 134 Wealth and asset management revenue 85 3 — 88 Customer deposit and loan fees 50 4 — 54 Capital markets and advisory fees 4 25 — 29 Leasing revenue 1 9 — 10 Insurance income 16 3 — 19 Other noninterest income 2 — — 2 Net revenue from contracts with customers 265 71 — 336 Noninterest income within the scope of other GAAP topics 43 74 14 131 Total noninterest income $ 308 $ 145 $ 14 $ 467 Three months ended March 31, 2023 Payments and cash management revenue $ 100 $ 25 $ — $ 125 Wealth and asset management revenue 79 1 — 80 Customer deposit and loan fees 46 1 — 47 Capital markets and advisory fees 3 30 — 33 Leasing revenue — 14 — 14 Insurance income 17 2 — 19 Other noninterest income 59 — — 59 Net revenue from contracts with customers 304 73 — 377 Noninterest income within the scope of other GAAP topics 40 83 12 135 Total noninterest income $ 344 $ 156 $ 12 $ 512

FAIR VALUES OF ASSETS AND LIA_2

FAIR VALUES OF ASSETS AND LIABILITIES (Tables)	3 Months Ended
	Mar. 31, 2024
Fair Value Disclosures [Abstract]
Assets and liabilities measured at fair value on a recurring basis	Assets and Liabilities measured at fair value on a recurring basis Fair Value Measurements at Reporting Date Using Netting Adjustments (1) At March 31, 2024 (dollar amounts in millions) Level 1 Level 2 Level 3 Assets Trading account securities: U.S. Treasury securities $ 92 $ — $ — $ — $ 92 Municipal securities — 51 — — 51 Corporate debt — 24 — — 24 Total trading account securities 92 75 — — 167 Available-for-sale securities: U.S. Treasury securities 5,027 — — — 5,027 Residential CMO — 3,075 — — 3,075 Residential MBS — 10,930 — — 10,930 Commercial MBS — 1,795 — — 1,795 Other agencies — 147 — — 147 Municipal securities — 38 3,293 — 3,331 Private-label CMO — 97 20 — 117 Asset-backed securities — 279 72 — 351 Corporate debt — 2,018 — — 2,018 Other securities/sovereign debt — 10 — — 10 Total available-for-sale securities 5,027 18,389 3,385 — 26,801 Other securities 31 1 — — 32 Loans held for sale — 487 — — 487 Loans held for investment — 117 58 — 175 MSRs — — 534 — 534 Other assets: Derivative assets — 1,734 6 (1,399) 341 Assets held in trust for deferred compensation plans 186 — — — 186 Liabilities Derivative liabilities — 1,624 2 (872) 754 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 CMOs — 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 (1) Amounts represent the impact of legally enforceable master netting agreements that allow the Company to settle positive and negative positions and cash collateral held or placed with the same counterparties.
Rollforward of financial instruments measured on a recurring basis and classified as Level 3	The following tables present a rollforward of the balance sheet amounts measured at fair value on a recurring basis and classified as Level 3. The classification of an item as Level 3 is based on the significance of the unobservable inputs to the overall fair value measurement. However, Level 3 measurements may also include observable components of value that can be validated externally. Accordingly, the gains and losses in the table below include changes in fair value due in part to observable factors that are part of the valuation methodology. Level 3 Fair Value Measurements Available-for-sale securities Loans held for investment (dollar amounts in millions) MSRs Derivative instruments Municipal securities Private- Asset-backed securities Three months ended March 31, 2024 Opening balance $ 515 $ (2) $ 3,335 $ 20 $ 75 $ 54 Transfers into Level 3 — — — — — 4 Transfers out of Level 3 (1) — (5) — — — — Total gains/losses for the period: Included in earnings: Mortgage banking income 20 7 — — — — Noninterest income — (2) — — — — Included in OCI — — 19 — — — Purchases/originations 10 — 72 — — — Settlements (11) 6 (133) — (3) — Closing balance $ 534 $ 4 $ 3,293 $ 20 $ 72 $ 58 Change in unrealized gains or losses for the period included in earnings for assets held at end of the reporting date $ 20 $ 1 $ — $ — $ — $ — Change in unrealized gains or losses for the period included in other comprehensive income for assets held at the end of the reporting period — — 18 — — — Three months ended March 31, 2023 Opening balance $ 494 $ (2) $ 3,248 $ 20 $ 74 $ 16 Transfers out of Level 3 (1) — (2) — — — — Total gains/losses for the period: Included in earnings: Mortgage banking income (12) 7 — — — — Interest and fee income — — — (1) — — Included in OCI — — 3 — — — Purchases/originations 13 — 177 — — — Repayments — — — — — (1) Settlements (10) — (89) 1 — — Closing balance $ 485 $ 3 $ 3,339 $ 20 $ 74 $ 15 Change in unrealized gains or losses for the period included in earnings for assets held at end of the reporting date $ (12) $ 5 $ — $ — $ — $ — Change in unrealized gains or losses for the period included in other comprehensive income for assets held at the end of the reporting period — — 3 — — — (1) Transfers out of Level 3 represent the settlement value of the derivative instruments (i.e., interest rate lock agreements) that are transferred to loans held for sale, which is classified as Level 2.
Assets and liabilities under the fair value option	The following table presents the fair value and aggregate principal balance of certain assets and liabilities under the fair value option: Total Loans Loans that are 90 or more days past due (dollar amounts in millions) Fair value Aggregate Difference Fair value Aggregate Difference At March 31, 2024 Loans held for sale $ 487 $ 477 $ 10 $ — $ — $ — Loans held for investment 175 186 (11) 3 3 — At December 31, 2023 Loans held for sale $ 506 $ 489 $ 17 $ — $ — $ — Loans held for investment 174 184 (10) 2 3 (1) The following table presents the net gains (losses) from fair value changes: Three Months Ended (dollar amounts in millions) March 31, 2024 March 31, 2023 Loans held for sale (1) $ (7) $ — Loans held for investment (1) — (1) The net gains (losses) from fair value changes are included in mortgage banking income on the Unaudited Consolidated Statements of Income.
Assets measured at fair value on a nonrecurring basis	The amounts measured at fair value on a nonrecurring basis were as follows: Fair Value Measurements Using Significant Unobservable Inputs (Level 3) Total Losses Three Months Ended (dollar amounts in millions) At March 31, 2024 At December 31, 2023 March 31, 2024 March 31, 2023 Collateral-dependent loans $ 68 $ 40 $ (25) $ (6)
Quantitative information about significant unobservable level 3 fair value measurement inputs	Quantitative Information about Level 3 Fair Value Measurements (1) At March 31, 2024 At December 31, 2023 (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 % - 41 % 8 % 4 % - 37 % 9 % Spread over forward interest rate swap rates 5 % - 13 % 6 % 5 % - 13 % 5 % Municipal securities and asset-backed securities Discounted cash flow Discount rate 5 % - 6 % 5 % 4 % - 6 % 5 % Cumulative default — % - 64 % 6 % — % - 64 % 6 % Loss given default 20 % 20 % 20 % 20 % (1) Certain disclosures related to quantitative level 3 fair value measurements do not include those deemed to be immaterial.
Carrying amounts and estimated fair values of financial instruments	The following table provides the carrying amounts and estimated fair values of Huntington’s financial instruments. (dollar amounts in millions) Amortized Cost Lower of Cost or Market Fair Value or Fair Value Option Total Carrying Amount Estimated Fair Value At March 31, 2024 Financial Assets Cash and short-term assets $ 12,405 $ — $ — $ 12,405 $ 12,405 Trading account securities — — 167 167 167 Available-for-sale securities — — 26,801 26,801 26,801 Held-to-maturity securities 15,416 — — 15,416 13,171 Other securities 695 — 32 727 727 Loans held for sale — 3 487 490 490 Net loans and leases (1) 120,312 — 175 120,487 117,441 Derivative assets — — 341 341 341 Assets held in trust for deferred compensation plans — — 186 186 186 Financial Liabilities Deposits (2) 153,225 — — 153,225 153,175 Short-term borrowings 182 — — 182 182 Long-term debt 14,894 — — 14,894 14,906 Derivative liabilities — — 754 754 754 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 (1) Includes collateral-dependent loans. (2) Includes $1.4 billion in time deposits in excess of the FDIC insurance coverage limit at both March 31, 2024 and December 31, 2023. The following table presents the level in the fair value hierarchy for the estimated fair values. Estimated Fair Value Measurements at Reporting Date Using Netting Adjustments (1) Presented Balance (dollar amounts in millions) Level 1 Level 2 Level 3 At March 31, 2024 Financial Assets Trading account securities $ 92 $ 75 $ — $ — $ 167 Available-for-sale securities 5,027 18,389 3,385 — 26,801 Held-to-maturity securities — 13,171 — — 13,171 Other securities (2) 31 1 — — 32 Loans held for sale — 487 3 — 490 Net loans and leases — 117 117,324 — 117,441 Derivative assets — 1,734 6 (1,399) 341 Financial Liabilities Deposits — 137,131 16,044 — 153,175 Short-term borrowings — 182 — — 182 Long-term debt — 11,583 3,323 — 14,906 Derivative liabilities — 1,624 2 (872) 754 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 (1) Amounts represent the impact of legally enforceable master netting agreements that allow the Company to settle positive and negative positions and cash collateral held or placed with the same counterparties. (2) Excludes securities without readily determinable fair values.

DERIVATIVE FINANCIAL INSTRUME_2

DERIVATIVE FINANCIAL INSTRUMENTS (Tables)	3 Months Ended
	Mar. 31, 2024
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Asset and liability derivatives included in accrued income and other assets	The following table presents the fair values and notional values of all derivative instruments included in the Unaudited Consolidated Balance Sheets. Amounts in the table below are presented gross without the impact of any net collateral arrangements. At March 31, 2024 At December 31, 2023 (dollar amounts in millions) Notional Value Asset Liability Notional Value Asset Liability Derivatives designated as Hedging Instruments Interest rate contracts $ 41,517 $ 842 $ 704 $ 38,017 $ 868 $ 519 Foreign exchange contracts 230 — 2 222 6 — Derivatives not designated as Hedging Instruments Interest rate contracts 42,315 798 838 41,526 718 757 Foreign exchange contracts 4,640 47 34 5,257 69 76 Credit contracts 346 2 — 381 — 2 Commodities contracts 608 47 46 681 62 60 Equity contracts 820 4 2 759 — 7 Total contracts $ 90,476 $ 1,740 $ 1,626 $ 86,843 $ 1,723 $ 1,421
Gains and (losses) recognized in other comprehensive income (loss) (OCI) for derivatives designated as effective cash flow hedges	The following table presents the amount of gain or loss recognized in income for derivatives not designated as hedging instruments under ASC Subtopic 815-10 in the Unaudited Consolidated Income Statement. Location of Gain or (Loss) Recognized in Income on Derivative Amount of Gain or (Loss) Recognized in Income on Derivative Three Months Ended (dollar amounts in millions) March 31, 2024 March 31, 2023 Interest rate contracts: Customer Capital markets fees $ 5 $ 7 Mortgage banking Mortgage banking income (11) 9 Interest rate swaptions Other noninterest income — (1) Foreign exchange contracts Capital markets fees 11 12 Credit contracts Other noninterest income (2) — Commodities contracts Capital markets fees 1 2 Equity contracts Other noninterest expense (2) (1) Total $ 2 $ 28
Gross notional values of derivatives used in asset and liability management activities	The following table presents the gross notional values of derivatives used in Huntington’s asset and liability management activities at March 31, 2024 and December 31, 2023, identified by the underlying interest rate-sensitive instruments. (dollar amounts in millions) Fair Value Hedges Cash Flow Hedges Economic Hedges Total At March 31, 2024 Instruments associated with: Investment securities $ 11,649 $ — $ — $ 11,649 Loans — 17,300 175 17,475 Long-term debt 12,568 — — 12,568 Total notional value $ 24,217 $ 17,300 $ 175 $ 41,692 At December 31, 2023 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
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. Three Months Ended (dollar amounts in millions) March 31, 2024 March 31, 2023 Interest rate contracts Change in fair value of interest rate swaps hedging investment securities (1) $ 71 $ (182) Change in fair value of hedged investment securities (1) (72) 181 Change in fair value of interest rate swaps hedging long-term debt (2) (128) 116 Change in fair value of hedged long term debt (2) 128 (116) (1) Recognized in Interest income—available-for-sale securities—taxable in the Unaudited Consolidated Statements of Income . (2) Recognized in Interest expense—long-term debt in the Unaudited Consolidated Statements of Income .
Amounts recorded on the balance sheet related to cumulative basis adjustments	The following amounts were recorded on the balance sheet related to cumulative basis adjustments for fair value hedges. Amortized Cost Cumulative Amount of Fair Value Hedging Adjustment To Hedged Items (dollar amounts in millions) At March 31, 2024 At December 31, 2023 At March 31, 2024 At December 31, 2023 Assets Investment securities (1) $ 17,967 $ 18,241 $ (770) $ (698) Liabilities Long-term debt (2) 12,250 9,909 (243) (115) (1) Amounts include the amortized cost basis of closed portfolios used to designate hedging relationships under the portfolio layer method. The hedged item is a layer of the closed portfolio which is expected to be remaining at the end of the hedging relationship. As of March 31, 2024, the amortized cost basis of the closed portfolios used in these hedging relationships was $17.4 billion, the cumulative basis adjustments associated with these hedging relationships was $680 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 $(66) million at March 31, 2024 and $(69) million at December 31, 2023.
Offsetting of financial assets and derivatives assets	The following tables present the gross amounts of these assets and liabilities with any offsets to arrive at the net amounts recognized in the Unaudited Consolidated Balance Sheets. Offsetting of Financial Assets and Derivative Assets Gross amounts Net amounts of Gross amounts not offset in the (dollar amounts in millions) Gross amounts of recognized assets Financial instruments Cash collateral received Net amount At March 31, 2024 $ 1,740 $ (1,399) $ 341 $ — $ (10) $ 331 At December 31, 2023 1,723 (1,330) 393 (45) (4) 344
MSR Derivative Hedging	The notional value of the derivative financial instruments, the corresponding trading assets and liabilities positions, and net trading gains (losses) related to MSR hedging activity is summarized in the following tables. (dollar amounts in millions) At March 31, 2024 At December 31, 2023 Notional value $ 1,428 $ 1,668 Trading liabilities (77) (69) Three Months Ended (dollar amounts in millions) March 31, 2024 March 31, 2023 Trading (losses) gains $ (19) $ 9
Offsetting of financial liabilities and derivative liabilities	Offsetting of Financial Liabilities and Derivative Liabilities Gross amounts offset in the unaudited consolidated balance sheets Net amounts of liabilities presented in the unaudited consolidated balance sheets Gross amounts not offset in the (dollar amounts in millions) Gross amounts of recognized liabilities Financial instruments Cash collateral delivered Net amount At March 31, 2024 $ 1,626 $ (872) $ 754 $ (23) $ (87) $ 644 At December 31, 2023 1,421 (751) 670 — (93) 577

VARIABLE INTEREST ENTITIES (Tab

VARIABLE INTEREST ENTITIES (Tables)	3 Months Ended
	Mar. 31, 2024
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Carrying amount and classification of the trusts assets and liabilities	The following table provides a summary of the assets and liabilities of VIEs carried on Huntington’s Unaudited Consolidated Balance Sheets. (dollar amounts in millions) At March 31, 2024 At December 31, 2023 Assets Net loans and leases $ 1,537 $ — Other assets 136 82 Total assets $ 1,673 $ 82 Liabilities Long-term borrowings $ 1,401 $ — Other liabilities 55 57 Total liabilities $ 1,456 $ 57 The following tables provide a summary of the assets and liabilities included in Huntington’s Unaudited Consolidated Financial Statements, as well as the maximum exposure to losses, associated with its interests related to unconsolidated VIEs for which Huntington holds an interest in, but is not the primary beneficiary. (dollar amounts in millions) Total Assets Total Liabilities Maximum Exposure to Loss At March 31, 2024 Affordable Housing Tax Credit Partnerships $ 2,349 $ 1,267 $ 2,349 Trust Preferred Securities 14 248 — Other Investments 922 146 922 Total $ 3,285 $ 1,661 $ 3,271 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
Affordable housing tax credit investments	The following table presents the balances of Huntington’s affordable housing tax credit investments and related unfunded commitments. (dollar amounts in millions) At March 31, 2024 At December 31, 2023 Affordable housing tax credit investments $ 3,450 $ 3,335 Less: amortization (1,101) (1,038) Net affordable housing tax credit investments $ 2,349 $ 2,297 Unfunded commitments $ 1,267 $ 1,279 The following table presents other information relating to Huntington’s affordable housing tax credit investments. Three Months Ended (dollar amounts in millions) March 31, 2024 March 31, 2023 Tax credits and other tax benefits recognized $ 76 $ 66 Proportional amortization expense included in provision for income taxes 63 54

COMMITMENTS AND CONTINGENT LI_2

COMMITMENTS AND CONTINGENT LIABILITIES (Tables)	3 Months Ended
	Mar. 31, 2024
Commitments and Contingencies Disclosure [Abstract]
Contract amounts of various commitments to extend credit	In the ordinary course of business, Huntington makes various commitments to extend credit that are not reflected in the Unaudited Consolidated Financial Statements. The contract amounts of these financial agreements were as follows: (dollar amounts in millions) At March 31, 2024 At December 31, 2023 Contract amount representing credit risk Commitments to extend credit: Commercial $ 32,531 $ 32,344 Consumer 19,916 19,270 Commercial real estate 2,238 2,543 Standby letters of credit and guarantees on industrial revenue bonds 736 814 Commercial letters of credit 7 9

SEGMENT REPORTING (Tables)

SEGMENT REPORTING (Tables)	3 Months Ended
	Mar. 31, 2024
Segment Reporting [Abstract]
Schedule of Segment Reporting Information, by Segment	Listed in the following tables is certain operating basis financial information reconciled to Huntington’s, reported results by business segment. Income Statements Consumer & Regional Banking Commercial Banking Treasury / Other Huntington Consolidated (dollar amounts in millions) Three months ended March 31, 2024 Net interest income (loss) $ 956 $ 523 $ (192) $ 1,287 Provision for credit losses 46 61 — 107 Noninterest income 308 145 14 467 Noninterest expense 777 294 66 1,137 Provision (benefit) for income taxes 93 66 (73) 86 Income attributable to non-controlling interest — 5 — 5 Net income (loss) attributable to Huntington $ 348 $ 242 $ (171) $ 419 Three months ended March 31, 2023 Net interest income $ 871 $ 541 $ (3) $ 1,409 Provision for credit losses 46 39 — 85 Noninterest income 344 156 12 512 Noninterest expense 754 278 54 1,086 Provision (benefit) for income taxes 87 80 (23) 144 Income attributable to non-controlling interest — 4 — 4 Net income (loss) attributable to Huntington $ 328 $ 296 $ (22) $ 602
Segment Disclosure of Assets and Deposits	Assets Deposits (dollar amounts in millions) At March 31, 2024 At December 31, 2023 At March 31, 2024 At December 31, 2023 Consumer & Regional Banking $ 73,340 $ 73,082 $ 112,032 $ 110,157 Commercial Banking 63,365 63,377 35,619 35,466 Treasury / Other 56,814 52,909 5,574 5,607 Total $ 193,519 $ 189,368 $ 153,225 $ 151,230

INVESTMENT SECURITIES AND OTH_3

INVESTMENT SECURITIES AND OTHER SECURITIES - Schedule of Amortized Cost, Fair Value, and Gross Unrealized Gains and Losses (Details) - USD ($) $ in Millions	Mar. 31, 2024	Dec. 31, 2023
Available-for-sale securities:
Total available-for-sale securities	$ 30,294	$ 28,565
Available-for-sale securities, Gross Gains	104	85
Available-for-sale securities, Gross Losses	(3,597)	(3,345)
Available-for-sale securities	26,801	25,305
Held-to-maturity securities:
Held-to-maturity securities	15,416	15,750
Held-to-maturity securities, Gross Gains	1	7
Held-to-maturity securities, Gross Losses	(2,246)	(2,039)
Held-to-maturity securities, Fair Value	13,171	13,718
Other securities, at cost:
Other securities, Amortized Cost	727	724
Other securities, Gross Gains	0	1
Other securities, Gross Losses	0	0
Other securities, Fair Value	727	725
Cumulative basis adjustments associated with hedging relationships	680	619
U.S. Treasury
Available-for-sale securities:
Total available-for-sale securities	5,027	2,855
Available-for-sale securities, Gross Gains	0	1
Available-for-sale securities, Gross Losses	0	0
Available-for-sale securities	5,027	2,856
Residential CMO
Available-for-sale securities:
Total available-for-sale securities	3,519	3,592
Available-for-sale securities, Gross Gains	0	0
Available-for-sale securities, Gross Losses	(444)	(408)
Available-for-sale securities	3,075	3,184
Held-to-maturity securities:
Held-to-maturity securities	4,664	4,770
Held-to-maturity securities, Gross Gains	1	6
Held-to-maturity securities, Gross Losses	(706)	(664)
Held-to-maturity securities, Fair Value	3,959	4,112
Residential MBS
Available-for-sale securities:
Total available-for-sale securities	12,893	13,155
Available-for-sale securities, Gross Gains	1	3
Available-for-sale securities, Gross Losses	(1,964)	(1,776)
Available-for-sale securities	10,930	11,382
Held-to-maturity securities:
Held-to-maturity securities	9,175	9,368
Held-to-maturity securities, Gross Gains	0	1
Held-to-maturity securities, Gross Losses	(1,301)	(1,145)
Held-to-maturity securities, Fair Value	7,874	8,224
Commercial MBS
Available-for-sale securities:
Total available-for-sale securities	2,530	2,536
Available-for-sale securities, Gross Gains	0	0
Available-for-sale securities, Gross Losses	(735)	(709)
Available-for-sale securities	1,795	1,827
Held-to-maturity securities:
Held-to-maturity securities	1,482	1,509
Held-to-maturity securities, Gross Gains	0	0
Held-to-maturity securities, Gross Losses	(232)	(224)
Held-to-maturity securities, Fair Value	1,250	1,285
Other agencies
Available-for-sale securities:
Total available-for-sale securities	154	161
Available-for-sale securities, Gross Gains	0	0
Available-for-sale securities, Gross Losses	(7)	(6)
Available-for-sale securities	147	155
Held-to-maturity securities:
Held-to-maturity securities	93	101
Held-to-maturity securities, Gross Gains	0	0
Held-to-maturity securities, Gross Losses	(7)	(6)
Held-to-maturity securities, Fair Value	86	95
Total U.S. Treasury, federal agency, and other agency securities
Available-for-sale securities:
Total available-for-sale securities	24,123	22,299
Available-for-sale securities, Gross Gains	1	4
Available-for-sale securities, Gross Losses	(3,150)	(2,899)
Available-for-sale securities	20,974	19,404
Held-to-maturity securities:
Held-to-maturity securities	15,414	15,748
Held-to-maturity securities, Gross Gains	1	7
Held-to-maturity securities, Gross Losses	(2,246)	(2,039)
Held-to-maturity securities, Fair Value	13,169	13,716
Municipal securities
Available-for-sale securities:
Total available-for-sale securities	3,475	3,536
Available-for-sale securities, Gross Gains	13	2
Available-for-sale securities, Gross Losses	(157)	(165)
Available-for-sale securities	3,331	3,373
Held-to-maturity securities:
Held-to-maturity securities	2	2
Held-to-maturity securities, Gross Gains	0	0
Held-to-maturity securities, Gross Losses	0	0
Held-to-maturity securities, Fair Value	2	2
Private-label CMO
Available-for-sale securities:
Total available-for-sale securities	128	131
Available-for-sale securities, Gross Gains	1	0
Available-for-sale securities, Gross Losses	(12)	(12)
Available-for-sale securities	117	119
Asset-backed securities
Available-for-sale securities:
Total available-for-sale securities	379	387
Available-for-sale securities, Gross Gains	0	0
Available-for-sale securities, Gross Losses	(28)	(31)
Available-for-sale securities	351	356
Corporate debt
Available-for-sale securities:
Total available-for-sale securities	2,179	2,202
Available-for-sale securities, Gross Gains	89	79
Available-for-sale securities, Gross Losses	(250)	(238)
Available-for-sale securities	2,018	2,043
Other securities/Sovereign debt
Available-for-sale securities:
Total available-for-sale securities	10	10
Available-for-sale securities, Gross Gains	0	0
Available-for-sale securities, Gross Losses	0	0
Available-for-sale securities	10	10
Equity securities
Other securities, at cost:
Other securities, Amortized Cost	18	17
Other securities, Gross Gains	0	0
Other securities, Gross Losses	0	0
Other securities, Fair Value	18	17
Mutual funds
Other securities, at cost:
Other securities, Amortized Cost	31	30
Other securities, Gross Gains	0	0
Other securities, Gross Losses	0	0
Other securities, Fair Value	31	30
Equity securities
Other securities, at cost:
Other securities, Amortized Cost	1	1
Other securities, Gross Gains	0	1
Other securities, Gross Losses	0	0
Other securities, Fair Value	1	2
Debt Securities, Available-For-Sale Securities
Other securities, at cost:
Accrued interest receivable	72	61
Debt Securities, Held-To-Maturity Securities
Other securities, at cost:
Accrued interest receivable	35	36
Federal Home Loan Bank stock | Non-marketable equity securities:
Other securities, at cost:
Other securities, Amortized Cost	159	169
Other securities, Gross Gains	0	0
Other securities, Gross Losses	0	0
Other securities, Fair Value	159	169
Federal Reserve Bank stock | Non-marketable equity securities:
Other securities, at cost:
Other securities, Amortized Cost	518	507
Other securities, Gross Gains	0	0
Other securities, Gross Losses	0	0
Other securities, Fair Value	$ 518	$ 507

INVESTMENT SECURITIES AND OTH_4

INVESTMENT SECURITIES AND OTHER SECURITIES - Contractual Maturities (Details) - USD ($) $ in Millions	Mar. 31, 2024	Dec. 31, 2023
Available-for-sale securities, amortized cost:
Under 1 year	$ 5,093	$ 3,380
After 1 year through 5 years	2,995	2,484
After 5 years through 10 years	2,312	2,392
After 10 years	19,894	20,309
Total available-for-sale securities	30,294	28,565
Available-for-sale securities, fair value:
Under 1 year	5,084	3,372
After 1 year through 5 years	2,842	2,338
After 5 years through 10 years	2,192	2,255
After 10 years	16,683	17,340
Total available-for-sale securities	26,801	25,305
Held-to-maturity securities, amortized cost:
Under 1 year	0	1
After 1 year through 5 years	42	48
After 5 years through 10 years	66	69
After 10 years	15,308	15,632
Total held-to-maturity securities	15,416	15,750
Held-to-maturity securities, fair value:
Under 1 year	0	1
After 1 year through 5 years	40	46
After 5 years through 10 years	62	66
After 10 years	13,069	13,605
Total held-to-maturity securities	$ 13,171	$ 13,718

INVESTMENT SECURITIES AND OTH_5

INVESTMENT SECURITIES AND OTHER SECURITIES - Continuous Unrealized Loss Position (Details) - USD ($) $ in Millions	Mar. 31, 2024	Dec. 31, 2023
Available-for-sale securities:
Less than 12 months, fair value	$ 1,215	$ 1,375
Less than 12 months, gross unrealized losses	(20)	(28)
12 months or longer, fair value	20,053	20,381
12 months or longer, gross unrealized losses	(3,577)	(3,317)
Total, fair value	21,268	21,756
Total, gross unrealized losses	(3,597)	(3,345)
Held-to-maturity securities:
Less than 12 months, fair value	159	156
Less than 12 months, gross unrealized losses	(2)	(1)
12 months or longer, fair value	12,646	13,030
12 months or longer, gross unrealized losses	(2,244)	(2,038)
Total held-to-maturity securities	12,805	13,186
Total, gross unrealized losses	(2,246)	(2,039)
Residential CMO
Available-for-sale securities:
Less than 12 months, fair value	364	543
Less than 12 months, gross unrealized losses	(4)	(7)
12 months or longer, fair value	2,711	2,641
12 months or longer, gross unrealized losses	(440)	(401)
Total, fair value	3,075	3,184
Total, gross unrealized losses	(444)	(408)
Held-to-maturity securities:
Less than 12 months, fair value	159	156
Less than 12 months, gross unrealized losses	(2)	(1)
12 months or longer, fair value	3,532	3,542
12 months or longer, gross unrealized losses	(704)	(663)
Total held-to-maturity securities	3,691	3,698
Total, gross unrealized losses	(706)	(664)
Residential MBS
Available-for-sale securities:
Less than 12 months, fair value	238	207
Less than 12 months, gross unrealized losses	(2)	(2)
12 months or longer, fair value	10,554	10,913
12 months or longer, gross unrealized losses	(1,962)	(1,774)
Total, fair value	10,792	11,120
Total, gross unrealized losses	(1,964)	(1,776)
Held-to-maturity securities:
Less than 12 months, fair value	0	0
Less than 12 months, gross unrealized losses	0	0
12 months or longer, fair value	7,778	8,108
12 months or longer, gross unrealized losses	(1,301)	(1,145)
Total held-to-maturity securities	7,778	8,108
Total, gross unrealized losses	(1,301)	(1,145)
Commercial MBS
Available-for-sale securities:
Less than 12 months, fair value	0	0
Less than 12 months, gross unrealized losses	0	0
12 months or longer, fair value	1,795	1,827
12 months or longer, gross unrealized losses	(735)	(709)
Total, fair value	1,795	1,827
Total, gross unrealized losses	(735)	(709)
Held-to-maturity securities:
Less than 12 months, fair value	0	0
Less than 12 months, gross unrealized losses	0	0
12 months or longer, fair value	1,250	1,285
12 months or longer, gross unrealized losses	(232)	(224)
Total held-to-maturity securities	1,250	1,285
Total, gross unrealized losses	(232)	(224)
Other agencies
Available-for-sale securities:
Less than 12 months, fair value	0	0
Less than 12 months, gross unrealized losses	0	0
12 months or longer, fair value	78	81
12 months or longer, gross unrealized losses	(7)	(6)
Total, fair value	78	81
Total, gross unrealized losses	(7)	(6)
Held-to-maturity securities:
Less than 12 months, fair value	0	0
Less than 12 months, gross unrealized losses	0	0
12 months or longer, fair value	86	95
12 months or longer, gross unrealized losses	(7)	(6)
Total held-to-maturity securities	86	95
Total, gross unrealized losses	(7)	(6)
Total U.S. Treasury, federal agency, and other agency securities
Available-for-sale securities:
Less than 12 months, fair value	602	750
Less than 12 months, gross unrealized losses	(6)	(9)
12 months or longer, fair value	15,138	15,462
12 months or longer, gross unrealized losses	(3,144)	(2,890)
Total, fair value	15,740	16,212
Total, gross unrealized losses	(3,150)	(2,899)
Held-to-maturity securities:
Less than 12 months, fair value	159	156
Less than 12 months, gross unrealized losses	(2)	(1)
12 months or longer, fair value	12,646	13,030
12 months or longer, gross unrealized losses	(2,244)	(2,038)
Total held-to-maturity securities	12,805	13,186
Total, gross unrealized losses	(2,246)	(2,039)
Municipal securities
Available-for-sale securities:
Less than 12 months, fair value	613	625
Less than 12 months, gross unrealized losses	(14)	(19)
12 months or longer, fair value	2,522	2,496
12 months or longer, gross unrealized losses	(143)	(146)
Total, fair value	3,135	3,121
Total, gross unrealized losses	(157)	(165)
Private-label CMO
Available-for-sale securities:
Less than 12 months, fair value	0	0
Less than 12 months, gross unrealized losses	0	0
12 months or longer, fair value	96	99
12 months or longer, gross unrealized losses	(12)	(12)
Total, fair value	96	99
Total, gross unrealized losses	(12)	(12)
Asset-backed securities
Available-for-sale securities:
Less than 12 months, fair value	0	0
Less than 12 months, gross unrealized losses	0	0
12 months or longer, fair value	279	281
12 months or longer, gross unrealized losses	(28)	(31)
Total, fair value	279	281
Total, gross unrealized losses	(28)	(31)
Corporate debt
Available-for-sale securities:
Less than 12 months, fair value	0	0
Less than 12 months, gross unrealized losses	0	0
12 months or longer, fair value	2,018	2,043
12 months or longer, gross unrealized losses	(250)	(238)
Total, fair value	2,018	2,043
Total, gross unrealized losses	$ (250)	$ (238)

INVESTMENT SECURITIES AND OTH_6

INVESTMENT SECURITIES AND OTHER SECURITIES - Narrative (Details) - USD ($) $ in Billions	Mar. 31, 2024	Dec. 31, 2023
Asset Pledged as Collateral
Investment Securities [Line Items]
Investment securities pledged	$ 36.2	$ 35.1

LOANS AND LEASES - Loan and Lea

LOANS AND LEASES - Loan and Lease Portfolio Composition (Details) - USD ($) $ in Millions		Mar. 31, 2024		Dec. 31, 2023	Mar. 31, 2023	Dec. 31, 2022
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases	[1]	$ 122,767		$ 121,982
Allowance for loan and lease losses		(2,280)		(2,255)	$ (2,142)	$ (2,121)
Net loans and leases		120,487	[2]	119,727
Loans and leases net premium (discount)		(349)		(323)
Commercial and industrial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		51,500		50,657
Commercial real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		12,342		12,422
Lease financing
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		5,133		5,228
Residential mortgage
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		23,744		23,720
Automobile
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		12,662		12,482
RV and marine
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		5,887		5,899
Other consumer
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		1,452		1,461
Commercial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		68,975		68,307
Allowance for loan and lease losses		(1,589)		(1,563)	(1,457)	(1,424)
Accrued interest receivable		340		333
Commercial | Commercial and industrial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		51,500		50,657
Commercial | Commercial real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		12,342		12,422
Commercial | Lease financing
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		5,133		5,228
Consumer
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		53,792		53,675
Allowance for loan and lease losses		(691)		(692)	$ (685)	$ (697)
Accrued interest receivable		222		220
Consumer | Residential mortgage
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		23,744		23,720
Consumer | Automobile
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		12,662		12,482
Consumer | Home equity
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		10,047		10,113
Consumer | RV and marine
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		5,887		5,899
Consumer | Other consumer
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		$ 1,452		$ 1,461
[1] Amounts represent loans for which Huntington has elected the fair value option. See Note 12 - “ Fair Values of Assets and Liabilities ”. Includes VIE balances in net loans and leases and long-term debt of $1.5 billion and $1.4 billion, respectively, at March 31, 2024, and VIE balances in other assets of $136 million and $82 million, and other liabilities of $55 million and $57 million, at March 31, 2024 and December 31, 2023, respectively. See Note 14 - “ Variable Interest Entities ” for additional information.

LOANS AND LEASES - Direct Finan

LOANS AND LEASES - Direct Financing Leases (Details) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023	Dec. 31, 2023
Accounts, Notes, Loans and Financing Receivable [Line Items]
Carrying value of residual values guaranteed	$ 475		$ 478
Future lease rental payments due on sales-type and direct financing leases	4,900
Future lease rental payments due on sales-type and direct financing leases, year one	782
Future lease rental payments due on sales-type and direct financing leases, year two	902
Future lease rental payments due on sales-type and direct financing leases, year three	859
Future lease rental payments due on sales-type and direct financing leases, year four	859
Future lease rental payments due on sales-type and direct financing leases, year five	794
Future lease rental payments due on sales-type and direct financing leases, after year five	684
Direct financing leases, interest income	79	$ 68
Commercial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Lease payments receivable	4,880		4,980
Estimated residual value of leased assets	803		804
Gross investment in lease financing receivables	5,683		5,784
Deferred origination costs	54		54
Deferred fees, unearned income and other	(604)		(610)
Total lease financing receivables	$ 5,133		$ 5,228

LOANS AND LEASES - Nonaccrual L

LOANS AND LEASES - Nonaccrual Loans by Loan Class (Details) - USD ($) $ in Millions	Mar. 31, 2024	Dec. 31, 2023
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonaccrual loans and leases with no ACL	$ 105	$ 133
Total nonaccrual loans and leases	716	667
Commercial | Commercial and industrial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonaccrual loans and leases with no ACL	68	66
Total nonaccrual loans and leases	376	344
Commercial | Commercial real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonaccrual loans and leases with no ACL	37	64
Total nonaccrual loans and leases	154	140
Commercial | Lease financing
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonaccrual loans and leases with no ACL	0	3
Total nonaccrual loans and leases	10	14
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	75	72
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	96	91
Consumer | RV and marine
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonaccrual loans and leases with no ACL	0	0
Total nonaccrual loans and leases	$ 1	$ 2

LOANS AND LEASES - NALs Past Du

LOANS AND LEASES - NALs Past Due (Details) - USD ($) $ in Millions		Mar. 31, 2024	Dec. 31, 2023
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases	[1]	$ 122,767	$ 121,982
Loans Accounted for Under FVO		175	174
90 or more days past due and accruing		183	189
Total
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		1,203	1,205
30-59 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		466	543
60-89  Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		204	235
90 or  more days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		533	427
Current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		121,389	120,603
Commercial and industrial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		51,500	50,657
Loans Accounted for Under FVO		0	0
90 or more days past due and accruing		1	1
Commercial and industrial | Total
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		230	228
Commercial and industrial | 30-59 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		57	90
Commercial and industrial | 60-89  Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		36	48
Commercial and industrial | 90 or  more days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		137	90
Commercial and industrial | Current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		51,270	50,429
Commercial real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		12,342	12,422
Loans Accounted for Under FVO		0	0
90 or more days past due and accruing		0	0
Commercial real estate | Total
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		146	80
Commercial real estate | 30-59 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		18	28
Commercial real estate | 60-89  Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		32	20
Commercial real estate | 90 or  more days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		96	32
Commercial real estate | Current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		12,196	12,342
Lease financing
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		5,133	5,228
Loans Accounted for Under FVO		0	0
90 or more days past due and accruing		3	4
Lease financing | Total
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		46	59
Lease financing | 30-59 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		27	35
Lease financing | 60-89  Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		14	15
Lease financing | 90 or  more days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		5	9
Lease financing | Current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		5,087	5,169
Residential mortgage
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		23,744	23,720
Loans Accounted for Under FVO		175	174
90 or more days past due and accruing		148	146
Residential mortgage | Total
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		468	486
Residential mortgage | 30-59 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		205	205
Residential mortgage | 60-89  Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		68	88
Residential mortgage | 90 or  more days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		195	193
Residential mortgage | Current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		23,101	23,060
Automobile
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		12,662	12,482
Loans Accounted for Under FVO		0	0
90 or more days past due and accruing		8	9
Automobile | Total
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		102	124
Automobile | 30-59 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		75	89
Automobile | 60-89  Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		17	23
Automobile | 90 or  more days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		10	12
Automobile | Current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		12,560	12,358
Home equity
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		10,047	10,113
Loans Accounted for Under FVO		0	0
90 or more days past due and accruing		17	22
Home equity | Total
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		168	181
Home equity | 30-59 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		56	66
Home equity | 60-89  Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		29	32
Home equity | 90 or  more days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		83	83
Home equity | Current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		9,879	9,932
RV and marine
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		5,887	5,899
Loans Accounted for Under FVO		0	0
90 or more days past due and accruing		2	3
RV and marine | Total
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		24	26
RV and marine | 30-59 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		17	17
RV and marine | 60-89  Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		4	5
RV and marine | 90 or  more days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		3	4
RV and marine | Current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		5,863	5,873
Other consumer
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		1,452	1,461
Loans Accounted for Under FVO		0	0
90 or more days past due and accruing		4	4
Other consumer | Total
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		19	21
Other consumer | 30-59 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		11	13
Other consumer | 60-89  Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		4	4
Other consumer | 90 or  more days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		4	4
Other consumer | Current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		$ 1,433	$ 1,440
[1] Amounts represent loans for which Huntington has elected the fair value option. See Note 12 - “ Fair Values of Assets and Liabilities ”.

LOANS AND LEASES - Vintage and

LOANS AND LEASES - Vintage and Credit Quality (Details) - USD ($) $ in Millions		Mar. 31, 2024	Dec. 31, 2023
Financing Receivable, Credit Quality Indicator [Line Items]
Loans and leases	[1]	$ 122,767	$ 121,982
Commercial and industrial
Financing Receivable, Credit Quality Indicator [Line Items]
Loans and leases		51,500	50,657
Automobile
Financing Receivable, Credit Quality Indicator [Line Items]
Loans and leases		12,662	12,482
Home equity
Financing Receivable, Credit Quality Indicator [Line Items]
Loans and leases		10,047	10,113
RV and marine
Financing Receivable, Credit Quality Indicator [Line Items]
Loans and leases		5,887	5,899
Other consumer
Financing Receivable, Credit Quality Indicator [Line Items]
Loans and leases		1,452	1,461
Commercial
Financing Receivable, Credit Quality Indicator [Line Items]
Loans and leases		68,975	68,307
Commercial | Commercial and industrial
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		4,636	15,283
Financing receivable, year before current fiscal year		12,593	10,433
Financing receivable, two years before current fiscal year		9,363	3,925
Financing receivable, three years before current fiscal year		3,668	2,321
Financing receivable, four years before current fiscal year		2,154	1,282
Financing receivable, more than five years before current fiscal year		2,705	1,635
Revolver Total at Amortized Cost Basis		16,376	15,775
Revolver Total Converted to Term Loans		5	3
Loans and leases		51,500	50,657
Commercial | Commercial and industrial | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		4,493	14,677
Financing receivable, year before current fiscal year		12,002	9,889
Financing receivable, two years before current fiscal year		8,692	3,673
Financing receivable, three years before current fiscal year		3,364	2,151
Financing receivable, four years before current fiscal year		1,976	1,187
Financing receivable, more than five years before current fiscal year		2,458	1,431
Revolver Total at Amortized Cost Basis		15,168	14,563
Revolver Total Converted to Term Loans		5	3
Loans and leases		48,158	47,574
Commercial | Commercial and industrial | OLEM
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		25	213
Financing receivable, year before current fiscal year		211	239
Financing receivable, two years before current fiscal year		243	64
Financing receivable, three years before current fiscal year		74	20
Financing receivable, four years before current fiscal year		30	12
Financing receivable, more than five years before current fiscal year		37	20
Revolver Total at Amortized Cost Basis		256	462
Revolver Total Converted to Term Loans		0	0
Loans and leases		876	1,030
Commercial | Commercial and industrial | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		118	393
Financing receivable, year before current fiscal year		380	305
Financing receivable, two years before current fiscal year		428	188
Financing receivable, three years before current fiscal year		230	150
Financing receivable, four years before current fiscal year		148	83
Financing receivable, more than five years before current fiscal year		209	184
Revolver Total at Amortized Cost Basis		952	750
Revolver Total Converted to Term Loans		0	0
Loans and leases		2,465	2,053
Commercial | Commercial and industrial | Doubtful
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		0
Financing receivable, year before current fiscal year		0
Financing receivable, two years before current fiscal year		0
Financing receivable, three years before current fiscal year		0
Financing receivable, four years before current fiscal year		0
Financing receivable, more than five years before current fiscal year		1
Revolver Total at Amortized Cost Basis		0
Revolver Total Converted to Term Loans		0
Loans and leases		1
Commercial real estate
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		384	1,722
Financing receivable, year before current fiscal year		1,557	4,063
Financing receivable, two years before current fiscal year		4,024	2,062
Financing receivable, three years before current fiscal year		1,983	1,138
Financing receivable, four years before current fiscal year		1,090	1,321
Financing receivable, more than five years before current fiscal year		2,671	1,456
Revolver Total at Amortized Cost Basis		633	660
Revolver Total Converted to Term Loans		0	0
Loans and leases		12,342	12,422
Commercial real estate | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		356	1,395
Financing receivable, year before current fiscal year		1,264	3,253
Financing receivable, two years before current fiscal year		3,235	1,774
Financing receivable, three years before current fiscal year		1,674	1,063
Financing receivable, four years before current fiscal year		1,011	1,152
Financing receivable, more than five years before current fiscal year		2,286	1,288
Revolver Total at Amortized Cost Basis		557	585
Revolver Total Converted to Term Loans		0	0
Loans and leases		10,383	10,510
Commercial real estate | OLEM
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		11	163
Financing receivable, year before current fiscal year		80	406
Financing receivable, two years before current fiscal year		410	112
Financing receivable, three years before current fiscal year		133	65
Financing receivable, four years before current fiscal year		55	32
Financing receivable, more than five years before current fiscal year		121	54
Revolver Total at Amortized Cost Basis		60	60
Revolver Total Converted to Term Loans		0	0
Loans and leases		870	892
Commercial real estate | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		17	164
Financing receivable, year before current fiscal year		213	404
Financing receivable, two years before current fiscal year		379	176
Financing receivable, three years before current fiscal year		176	10
Financing receivable, four years before current fiscal year		24	137
Financing receivable, more than five years before current fiscal year		264	114
Revolver Total at Amortized Cost Basis		16	15
Revolver Total Converted to Term Loans		0	0
Loans and leases		1,089	1,020
Lease financing
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		385	2,009
Financing receivable, year before current fiscal year		1,965	1,372
Financing receivable, two years before current fiscal year		1,224	865
Financing receivable, three years before current fiscal year		749	604
Financing receivable, four years before current fiscal year		516	258
Financing receivable, more than five years before current fiscal year		294	120
Revolver Total at Amortized Cost Basis		0	0
Revolver Total Converted to Term Loans		0	0
Loans and leases		5,133	5,228
Lease financing | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		384	1,973
Financing receivable, year before current fiscal year		1,924	1,284
Financing receivable, two years before current fiscal year		1,159	828
Financing receivable, three years before current fiscal year		724	583
Financing receivable, four years before current fiscal year		502	243
Financing receivable, more than five years before current fiscal year		272	106
Revolver Total at Amortized Cost Basis		0	0
Revolver Total Converted to Term Loans		0	0
Loans and leases		4,965	5,017
Lease financing | OLEM
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		0	16
Financing receivable, year before current fiscal year		15	22
Financing receivable, two years before current fiscal year		19	6
Financing receivable, three years before current fiscal year		3	5
Financing receivable, four years before current fiscal year		1	2
Financing receivable, more than five years before current fiscal year		10	9
Revolver Total at Amortized Cost Basis		0	0
Revolver Total Converted to Term Loans		0	0
Loans and leases		48	60
Lease financing | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		1	20
Financing receivable, year before current fiscal year		26	66
Financing receivable, two years before current fiscal year		46	31
Financing receivable, three years before current fiscal year		22	16
Financing receivable, four years before current fiscal year		13	13
Financing receivable, more than five years before current fiscal year		12	5
Revolver Total at Amortized Cost Basis		0	0
Revolver Total Converted to Term Loans		0	0
Loans and leases		120	151
Consumer
Financing Receivable, Credit Quality Indicator [Line Items]
Loans and leases		53,792	53,675
Consumer | Residential mortgage
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		307	3,051
Financing receivable, year before current fiscal year		3,081	5,066
Financing receivable, two years before current fiscal year		5,028	7,074
Financing receivable, three years before current fiscal year		6,986	3,866
Financing receivable, four years before current fiscal year		3,797	1,020
Financing receivable, more than five years before current fiscal year		4,370	3,469
Revolver Total at Amortized Cost Basis		0	0
Revolver Total Converted to Term Loans		0	0
Loans and leases		23,569	23,546
Consumer | Residential mortgage | 750+
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		212	2,077
Financing receivable, year before current fiscal year		2,257	3,963
Financing receivable, two years before current fiscal year		4,041	6,028
Financing receivable, three years before current fiscal year		5,995	3,292
Financing receivable, four years before current fiscal year		3,252	749
Financing receivable, more than five years before current fiscal year		2,877	2,191
Revolver Total at Amortized Cost Basis		0	0
Revolver Total Converted to Term Loans		0	0
Loans and leases		18,634	18,300
Consumer | Residential mortgage | 650-749
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		88	950
Financing receivable, year before current fiscal year		781	1,024
Financing receivable, two years before current fiscal year		903	964
Financing receivable, three years before current fiscal year		894	510
Financing receivable, four years before current fiscal year		471	186
Financing receivable, more than five years before current fiscal year		901	775
Revolver Total at Amortized Cost Basis		0	0
Revolver Total Converted to Term Loans		0	0
Loans and leases		4,038	4,409
Consumer | Residential mortgage | Less than 650
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		7	24
Financing receivable, year before current fiscal year		43	79
Financing receivable, two years before current fiscal year		84	82
Financing receivable, three years before current fiscal year		97	64
Financing receivable, four years before current fiscal year		74	85
Financing receivable, more than five years before current fiscal year		592	503
Revolver Total at Amortized Cost Basis		0	0
Revolver Total Converted to Term Loans		0	0
Loans and leases		897	837
Consumer | Automobile
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		1,488	4,232
Financing receivable, year before current fiscal year		3,923	3,550
Financing receivable, two years before current fiscal year		3,226	2,698
Financing receivable, three years before current fiscal year		2,398	1,228
Financing receivable, four years before current fiscal year		1,044	599
Financing receivable, more than five years before current fiscal year		583	175
Revolver Total at Amortized Cost Basis		0	0
Revolver Total Converted to Term Loans		0	0
Loans and leases		12,662	12,482
Consumer | Automobile | 750+
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		1,045	2,624
Financing receivable, year before current fiscal year		2,156	1,964
Financing receivable, two years before current fiscal year		1,831	1,525
Financing receivable, three years before current fiscal year		1,372	740
Financing receivable, four years before current fiscal year		630	367
Financing receivable, more than five years before current fiscal year		339	85
Revolver Total at Amortized Cost Basis		0	0
Revolver Total Converted to Term Loans		0	0
Loans and leases		7,373	7,305
Consumer | Automobile | 650-749
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		412	1,438
Financing receivable, year before current fiscal year		1,493	1,305
Financing receivable, two years before current fiscal year		1,092	907
Financing receivable, three years before current fiscal year		753	370
Financing receivable, four years before current fiscal year		300	168
Financing receivable, more than five years before current fiscal year		160	53
Revolver Total at Amortized Cost Basis		0	0
Revolver Total Converted to Term Loans		0	0
Loans and leases		4,210	4,241
Consumer | Automobile | Less than 650
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		31	170
Financing receivable, year before current fiscal year		274	281
Financing receivable, two years before current fiscal year		303	266
Financing receivable, three years before current fiscal year		273	118
Financing receivable, four years before current fiscal year		114	64
Financing receivable, more than five years before current fiscal year		84	37
Revolver Total at Amortized Cost Basis		0	0
Revolver Total Converted to Term Loans		0	0
Loans and leases		1,079	936
Consumer | Home equity
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		63	519
Financing receivable, year before current fiscal year		504	535
Financing receivable, two years before current fiscal year		518	580
Financing receivable, three years before current fiscal year		563	594
Financing receivable, four years before current fiscal year		574	26
Financing receivable, more than five years before current fiscal year		389	388
Revolver Total at Amortized Cost Basis		6,852	6,881
Revolver Total Converted to Term Loans		584	590
Loans and leases		10,047	10,113
Consumer | Home equity | 750+
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		43	381
Financing receivable, year before current fiscal year		393	429
Financing receivable, two years before current fiscal year		414	512
Financing receivable, three years before current fiscal year		496	534
Financing receivable, four years before current fiscal year		517	17
Financing receivable, more than five years before current fiscal year		247	244
Revolver Total at Amortized Cost Basis		4,404	4,454
Revolver Total Converted to Term Loans		226	233
Loans and leases		6,740	6,804
Consumer | Home equity | 650-749
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		20	136
Financing receivable, year before current fiscal year		107	100
Financing receivable, two years before current fiscal year		95	65
Financing receivable, three years before current fiscal year		62	57
Financing receivable, four years before current fiscal year		53	7
Financing receivable, more than five years before current fiscal year		96	101
Revolver Total at Amortized Cost Basis		2,035	2,083
Revolver Total Converted to Term Loans		225	230
Loans and leases		2,693	2,779
Consumer | Home equity | Less than 650
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		0	2
Financing receivable, year before current fiscal year		4	6
Financing receivable, two years before current fiscal year		9	3
Financing receivable, three years before current fiscal year		5	3
Financing receivable, four years before current fiscal year		4	2
Financing receivable, more than five years before current fiscal year		46	43
Revolver Total at Amortized Cost Basis		413	344
Revolver Total Converted to Term Loans		133	127
Loans and leases		614	530
Consumer | RV and marine
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		264	1,499
Financing receivable, year before current fiscal year		1,425	1,231
Financing receivable, two years before current fiscal year		1,185	1,140
Financing receivable, three years before current fiscal year		1,092	764
Financing receivable, four years before current fiscal year		727	400
Financing receivable, more than five years before current fiscal year		1,194	865
Revolver Total at Amortized Cost Basis		0	0
Revolver Total Converted to Term Loans		0	0
Loans and leases		5,887	5,899
Consumer | RV and marine | 750+
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		226	1,206
Financing receivable, year before current fiscal year		1,059	971
Financing receivable, two years before current fiscal year		934	867
Financing receivable, three years before current fiscal year		816	588
Financing receivable, four years before current fiscal year		557	295
Financing receivable, more than five years before current fiscal year		847	612
Revolver Total at Amortized Cost Basis		0	0
Revolver Total Converted to Term Loans		0	0
Loans and leases		4,439	4,539
Consumer | RV and marine | 650-749
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		38	289
Financing receivable, year before current fiscal year		353	248
Financing receivable, two years before current fiscal year		232	252
Financing receivable, three years before current fiscal year		246	158
Financing receivable, four years before current fiscal year		147	91
Financing receivable, more than five years before current fiscal year		284	210
Revolver Total at Amortized Cost Basis		0	0
Revolver Total Converted to Term Loans		0	0
Loans and leases		1,300	1,248
Consumer | RV and marine | Less than 650
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		0	4
Financing receivable, year before current fiscal year		13	12
Financing receivable, two years before current fiscal year		19	21
Financing receivable, three years before current fiscal year		30	18
Financing receivable, four years before current fiscal year		23	14
Financing receivable, more than five years before current fiscal year		63	43
Revolver Total at Amortized Cost Basis		0	0
Revolver Total Converted to Term Loans		0	0
Loans and leases		148	112
Consumer | Other consumer
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		99	288
Financing receivable, year before current fiscal year		232	128
Financing receivable, two years before current fiscal year		113	59
Financing receivable, three years before current fiscal year		51	26
Financing receivable, four years before current fiscal year		22	23
Financing receivable, more than five years before current fiscal year		72	61
Revolver Total at Amortized Cost Basis		836	846
Revolver Total Converted to Term Loans		27	30
Loans and leases		1,452	1,461
Consumer | Other consumer | 750+
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		69	186
Financing receivable, year before current fiscal year		141	80
Financing receivable, two years before current fiscal year		70	39
Financing receivable, three years before current fiscal year		34	19
Financing receivable, four years before current fiscal year		16	17
Financing receivable, more than five years before current fiscal year		56	48
Revolver Total at Amortized Cost Basis		409	424
Revolver Total Converted to Term Loans		1	3
Loans and leases		796	816
Consumer | Other consumer | 650-749
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		29	98
Financing receivable, year before current fiscal year		82	43
Financing receivable, two years before current fiscal year		37	17
Financing receivable, three years before current fiscal year		14	6
Financing receivable, four years before current fiscal year		5	5
Financing receivable, more than five years before current fiscal year		14	12
Revolver Total at Amortized Cost Basis		386	383
Revolver Total Converted to Term Loans		12	13
Loans and leases		579	577
Consumer | Other consumer | Less than 650
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year		1	4
Financing receivable, year before current fiscal year		9	5
Financing receivable, two years before current fiscal year		6	3
Financing receivable, three years before current fiscal year		3	1
Financing receivable, four years before current fiscal year		1	1
Financing receivable, more than five years before current fiscal year		2	1
Revolver Total at Amortized Cost Basis		41	39
Revolver Total Converted to Term Loans		14	14
Loans and leases		$ 77	$ 68
[1] Amounts represent loans for which Huntington has elected the fair value option. See Note 12 - “ Fair Values of Assets and Liabilities ”.

LOANS AND LEASES - Gross Charge

LOANS AND LEASES - Gross Charge-offs of Loans and Leases (Details) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, term loans gross charge-offs, current fiscal year	$ 1	$ 2
Financing receivable, term loans gross charge-offs, year before current fiscal year	18	25
Financing receivable, term loans gross charge-offs, two years before current fiscal year	31	33
Financing receivable, term loans gross charge-offs, three years before current fiscal year	25	10
Financing receivable, term loans gross charge-offs, four years before current fiscal year	15	7
Financing receivable, term loans gross charge-offs, five years before current fiscal year	16	9
Financing receivable, revolver gross charge-offs	10	5
Financing receivable, revolver converted to term loans gross charge-offs	12	8
Financing receivable, term loans gross charge-offs	128	99
Commercial
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, term loans gross charge-offs	74	52
Consumer
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, term loans gross charge-offs	54	47
Commercial and industrial | Commercial
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, term loans gross charge-offs, current fiscal year	0	1
Financing receivable, term loans gross charge-offs, year before current fiscal year	5	14
Financing receivable, term loans gross charge-offs, two years before current fiscal year	11	3
Financing receivable, term loans gross charge-offs, three years before current fiscal year	15	6
Financing receivable, term loans gross charge-offs, four years before current fiscal year	11	4
Financing receivable, term loans gross charge-offs, five years before current fiscal year	2	0
Financing receivable, revolver gross charge-offs	10	4
Financing receivable, revolver converted to term loans gross charge-offs	1	0
Financing receivable, term loans gross charge-offs	55	32
Commercial real estate | Commercial
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, term loans gross charge-offs, current fiscal year	0	0
Financing receivable, term loans gross charge-offs, year before current fiscal year	1	0
Financing receivable, term loans gross charge-offs, two years before current fiscal year	9	19
Financing receivable, term loans gross charge-offs, three years before current fiscal year	1	0
Financing receivable, term loans gross charge-offs, four years before current fiscal year	0	0
Financing receivable, term loans gross charge-offs, five years before current fiscal year	6	0
Financing receivable, revolver gross charge-offs	0	0
Financing receivable, revolver converted to term loans gross charge-offs	0	0
Financing receivable, term loans gross charge-offs	17	19
Lease financing | Commercial
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, term loans gross charge-offs, current fiscal year	0	0
Financing receivable, term loans gross charge-offs, year before current fiscal year	0	0
Financing receivable, term loans gross charge-offs, two years before current fiscal year	0	0
Financing receivable, term loans gross charge-offs, three years before current fiscal year	1	0
Financing receivable, term loans gross charge-offs, four years before current fiscal year	0	0
Financing receivable, term loans gross charge-offs, five years before current fiscal year	1	1
Financing receivable, revolver gross charge-offs	0	0
Financing receivable, revolver converted to term loans gross charge-offs	0	0
Financing receivable, term loans gross charge-offs	2	1
Residential mortgage | Consumer
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, term loans gross charge-offs, current fiscal year	0	0
Financing receivable, term loans gross charge-offs, year before current fiscal year	0	0
Financing receivable, term loans gross charge-offs, two years before current fiscal year	0	1
Financing receivable, term loans gross charge-offs, three years before current fiscal year	0	0
Financing receivable, term loans gross charge-offs, four years before current fiscal year	0	0
Financing receivable, term loans gross charge-offs, five years before current fiscal year	1	1
Financing receivable, revolver gross charge-offs	0	0
Financing receivable, revolver converted to term loans gross charge-offs	0	0
Financing receivable, term loans gross charge-offs	1	2
Automobile | Consumer
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, term loans gross charge-offs, current fiscal year	0	0
Financing receivable, term loans gross charge-offs, year before current fiscal year	4	3
Financing receivable, term loans gross charge-offs, two years before current fiscal year	5	4
Financing receivable, term loans gross charge-offs, three years before current fiscal year	4	2
Financing receivable, term loans gross charge-offs, four years before current fiscal year	2	1
Financing receivable, term loans gross charge-offs, five years before current fiscal year	0	2
Financing receivable, revolver gross charge-offs	0	0
Financing receivable, revolver converted to term loans gross charge-offs	0	0
Financing receivable, term loans gross charge-offs	15	12
Home equity | Consumer
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, term loans gross charge-offs, current fiscal year	0	0
Financing receivable, term loans gross charge-offs, year before current fiscal year	0	0
Financing receivable, term loans gross charge-offs, two years before current fiscal year	0	0
Financing receivable, term loans gross charge-offs, three years before current fiscal year	0	0
Financing receivable, term loans gross charge-offs, four years before current fiscal year	0	0
Financing receivable, term loans gross charge-offs, five years before current fiscal year	0	0
Financing receivable, revolver gross charge-offs	0	1
Financing receivable, revolver converted to term loans gross charge-offs	2	1
Financing receivable, term loans gross charge-offs	2	2
RV and marine | Consumer
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, term loans gross charge-offs, current fiscal year	0	0
Financing receivable, term loans gross charge-offs, year before current fiscal year	1	0
Financing receivable, term loans gross charge-offs, two years before current fiscal year	1	1
Financing receivable, term loans gross charge-offs, three years before current fiscal year	2	1
Financing receivable, term loans gross charge-offs, four years before current fiscal year	1	1
Financing receivable, term loans gross charge-offs, five years before current fiscal year	3	1
Financing receivable, revolver gross charge-offs	0	0
Financing receivable, revolver converted to term loans gross charge-offs	0	0
Financing receivable, term loans gross charge-offs	8	4
Other consumer | Consumer
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, term loans gross charge-offs, current fiscal year	1	1
Financing receivable, term loans gross charge-offs, year before current fiscal year	7	8
Financing receivable, term loans gross charge-offs, two years before current fiscal year	5	5
Financing receivable, term loans gross charge-offs, three years before current fiscal year	2	1
Financing receivable, term loans gross charge-offs, four years before current fiscal year	1	1
Financing receivable, term loans gross charge-offs, five years before current fiscal year	3	4
Financing receivable, revolver gross charge-offs	0	0
Financing receivable, revolver converted to term loans gross charge-offs	9	7
Financing receivable, term loans gross charge-offs	$ 28	$ 27

LOANS AND LEASES - Modification

LOANS AND LEASES - Modifications (Details) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
Financing Receivable, Modified [Line Items]
Total	$ 302	$ 241
% of total loan class	0.25%	0.21%
Amortized cost basis	$ 684	$ 241
30-59 Days
Financing Receivable, Modified [Line Items]
Amortized cost basis	15	4
60-89  Days
Financing Receivable, Modified [Line Items]
Amortized cost basis	24	4
90 or  more days
Financing Receivable, Modified [Line Items]
Amortized cost basis	21	0
Total
Financing Receivable, Modified [Line Items]
Amortized cost basis	60	8
Current
Financing Receivable, Modified [Line Items]
Amortized cost basis	624	233
Commercial | Commercial and industrial
Financing Receivable, Modified [Line Items]
Total	$ 248	$ 162
% of total loan class	0.48%	0.32%
Amortized cost basis	$ 473	$ 162
Commercial | Commercial and industrial | 30-59 Days
Financing Receivable, Modified [Line Items]
Amortized cost basis	2	0
Commercial | Commercial and industrial | 60-89  Days
Financing Receivable, Modified [Line Items]
Amortized cost basis	11	0
Commercial | Commercial and industrial | 90 or  more days
Financing Receivable, Modified [Line Items]
Amortized cost basis	11	0
Commercial | Commercial and industrial | Total
Financing Receivable, Modified [Line Items]
Amortized cost basis	24	0
Commercial | Commercial and industrial | Current
Financing Receivable, Modified [Line Items]
Amortized cost basis	449	162
Commercial | Commercial real estate
Financing Receivable, Modified [Line Items]
Total	$ 31	$ 48
% of total loan class	0.25%	0.36%
Amortized cost basis	$ 127	$ 48
Commercial | Commercial real estate | 30-59 Days
Financing Receivable, Modified [Line Items]
Amortized cost basis	2	0
Commercial | Commercial real estate | 60-89  Days
Financing Receivable, Modified [Line Items]
Amortized cost basis	7	0
Commercial | Commercial real estate | 90 or  more days
Financing Receivable, Modified [Line Items]
Amortized cost basis	0	0
Commercial | Commercial real estate | Total
Financing Receivable, Modified [Line Items]
Amortized cost basis	9	0
Commercial | Commercial real estate | Current
Financing Receivable, Modified [Line Items]
Amortized cost basis	118	48
Consumer | Residential mortgage
Financing Receivable, Modified [Line Items]
Total	$ 14	$ 24
% of total loan class	0.06%	0.11%
Amortized cost basis	$ 53	$ 24
Consumer | Residential mortgage | 30-59 Days
Financing Receivable, Modified [Line Items]
Amortized cost basis	8	4
Consumer | Residential mortgage | 60-89  Days
Financing Receivable, Modified [Line Items]
Amortized cost basis	5	4
Consumer | Residential mortgage | 90 or  more days
Financing Receivable, Modified [Line Items]
Amortized cost basis	9	0
Consumer | Residential mortgage | Total
Financing Receivable, Modified [Line Items]
Amortized cost basis	22	8
Consumer | Residential mortgage | Current
Financing Receivable, Modified [Line Items]
Amortized cost basis	31	16
Consumer | Automobile
Financing Receivable, Modified [Line Items]
Total	$ 4	$ 3
% of total loan class	0.03%	0.02%
Amortized cost basis	$ 16	$ 3
Consumer | Automobile | 30-59 Days
Financing Receivable, Modified [Line Items]
Amortized cost basis	2	0
Consumer | Automobile | 60-89  Days
Financing Receivable, Modified [Line Items]
Amortized cost basis	0	0
Consumer | Automobile | 90 or  more days
Financing Receivable, Modified [Line Items]
Amortized cost basis	0	0
Consumer | Automobile | Total
Financing Receivable, Modified [Line Items]
Amortized cost basis	2	0
Consumer | Automobile | Current
Financing Receivable, Modified [Line Items]
Amortized cost basis	14	3
Consumer | Home equity
Financing Receivable, Modified [Line Items]
Total	$ 5	$ 3
% of total loan class	0.05%	0.03%
Amortized cost basis	$ 14	$ 3
Consumer | Home equity | 30-59 Days
Financing Receivable, Modified [Line Items]
Amortized cost basis	1	0
Consumer | Home equity | 60-89  Days
Financing Receivable, Modified [Line Items]
Amortized cost basis	1	0
Consumer | Home equity | 90 or  more days
Financing Receivable, Modified [Line Items]
Amortized cost basis	1	0
Consumer | Home equity | Total
Financing Receivable, Modified [Line Items]
Amortized cost basis	3	0
Consumer | Home equity | Current
Financing Receivable, Modified [Line Items]
Amortized cost basis	11	3
Consumer | RV and marine
Financing Receivable, Modified [Line Items]
Total		$ 1
% of total loan class		0.02%
Amortized cost basis	1	$ 1
Consumer | RV and marine | 30-59 Days
Financing Receivable, Modified [Line Items]
Amortized cost basis	0	0
Consumer | RV and marine | 60-89  Days
Financing Receivable, Modified [Line Items]
Amortized cost basis	0	0
Consumer | RV and marine | 90 or  more days
Financing Receivable, Modified [Line Items]
Amortized cost basis	0	0
Consumer | RV and marine | Total
Financing Receivable, Modified [Line Items]
Amortized cost basis	0	0
Consumer | RV and marine | Current
Financing Receivable, Modified [Line Items]
Amortized cost basis	1	1
Interest rate reduction
Financing Receivable, Modified [Line Items]
Total	87	35
Interest rate reduction | Commercial | Commercial and industrial
Financing Receivable, Modified [Line Items]
Total	$ 87	$ 35
Interest rate reduction | Commercial | Commercial and industrial | Minimum
Financing Receivable, Modified [Line Items]
Weighted-average contractual interest rate	8.24%	7.60%
Interest rate reduction | Commercial | Commercial and industrial | Maximum
Financing Receivable, Modified [Line Items]
Weighted-average contractual interest rate	7.28%	6.80%
Interest rate reduction | Commercial | Commercial real estate
Financing Receivable, Modified [Line Items]
Total	$ 0	$ 0
Interest rate reduction | Consumer | Residential mortgage
Financing Receivable, Modified [Line Items]
Total	$ 0	$ 0
Interest rate reduction | Consumer | Residential mortgage | Minimum
Financing Receivable, Modified [Line Items]
Weighted-average contractual interest rate	7.25%	5.36%
Interest rate reduction | Consumer | Residential mortgage | Maximum
Financing Receivable, Modified [Line Items]
Weighted-average contractual interest rate	5.20%	4.14%
Interest rate reduction | Consumer | Automobile
Financing Receivable, Modified [Line Items]
Total	$ 0	$ 0
Interest rate reduction | Consumer | Home equity
Financing Receivable, Modified [Line Items]
Total	0	0
Interest rate reduction | Consumer | RV and marine
Financing Receivable, Modified [Line Items]
Total		0
Term extension
Financing Receivable, Modified [Line Items]
Total	200	199
Term extension | Commercial | Commercial and industrial
Financing Receivable, Modified [Line Items]
Total	$ 154	$ 124
Weighted-average years added to the life	4 months 24 days	10 months 24 days
Term extension | Commercial | Commercial real estate
Financing Receivable, Modified [Line Items]
Total	$ 31	$ 48
Weighted-average years added to the life	7 months 6 days	7 months 6 days
Term extension | Consumer | Residential mortgage
Financing Receivable, Modified [Line Items]
Total	$ 10	$ 23
Weighted-average years added to the life	8 years 7 months 6 days	6 years 3 months 18 days
Term extension | Consumer | Automobile
Financing Receivable, Modified [Line Items]
Total	$ 4	$ 3
Term extension | Consumer | Home equity
Financing Receivable, Modified [Line Items]
Total	1	0
Term extension | Consumer | RV and marine
Financing Receivable, Modified [Line Items]
Total		1
Payment deferral
Financing Receivable, Modified [Line Items]
Total	3	0
Payment deferral | Commercial | Commercial and industrial
Financing Receivable, Modified [Line Items]
Total	0	0
Payment deferral | Commercial | Commercial real estate
Financing Receivable, Modified [Line Items]
Total	0	0
Payment deferral | Consumer | Residential mortgage
Financing Receivable, Modified [Line Items]
Total	3	0
Payment deferral | Consumer | Automobile
Financing Receivable, Modified [Line Items]
Total	0	0
Payment deferral | Consumer | Home equity
Financing Receivable, Modified [Line Items]
Total	0	0
Payment deferral | Consumer | RV and marine
Financing Receivable, Modified [Line Items]
Total		0
Combo - interest rate reduction and term extension
Financing Receivable, Modified [Line Items]
Total	12	7
Combo - interest rate reduction and term extension | Commercial | Commercial and industrial
Financing Receivable, Modified [Line Items]
Total	7	3
Combo - interest rate reduction and term extension | Commercial | Commercial real estate
Financing Receivable, Modified [Line Items]
Total	0	0
Combo - interest rate reduction and term extension | Consumer | Residential mortgage
Financing Receivable, Modified [Line Items]
Total	1	1
Combo - interest rate reduction and term extension | Consumer | Automobile
Financing Receivable, Modified [Line Items]
Total	0	0
Combo - interest rate reduction and term extension | Consumer | Home equity
Financing Receivable, Modified [Line Items]
Total	$ 4	3
Combo - interest rate reduction and term extension | Consumer | RV and marine
Financing Receivable, Modified [Line Items]
Total		$ 0

LOANS AND LEASES - Narrative (D

LOANS AND LEASES - Narrative (Details) - USD ($) $ in Billions	Mar. 31, 2024	Dec. 31, 2023
Receivables [Abstract]
FHLB borrowings and advances, collateral	$ 99.5	$ 101.8

ALLOWANCE FOR CREDIT LOSSES - A

ALLOWANCE FOR CREDIT LOSSES - Allowance Roll-forward (Details) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023	Dec. 31, 2023
Financing Receivable, Allowance for Credit Loss [Roll Forward]
ALLL balance, beginning of period	$ 2,255	$ 2,121
Loan and lease charge-offs	(128)	(99)
Recoveries of loans and leases previously charged-off	36	42
Provision for loan and lease losses	117	78
ALLL balance, end of period	2,280	2,142
AULC balance, beginning of period	145	150
Provision for unfunded lending commitments	(10)	7
AULC balance, end of period	135	157
ACL balance, end of period	2,415	2,299
Commercial
Financing Receivable, Allowance for Credit Loss [Roll Forward]
ALLL balance, beginning of period	1,563	1,424
Loan and lease charge-offs	(74)	(52)
Recoveries of loans and leases previously charged-off	19	23
Provision for loan and lease losses	81	62
ALLL balance, end of period	1,589	1,457
AULC balance, beginning of period	66	71
Provision for unfunded lending commitments	3	4
AULC balance, end of period	69	75
ACL balance, end of period	1,658	1,532	$ 1,600
Consumer
Financing Receivable, Allowance for Credit Loss [Roll Forward]
ALLL balance, beginning of period	692	697
Loan and lease charge-offs	(54)	(47)
Recoveries of loans and leases previously charged-off	17	19
Provision for loan and lease losses	36	16
ALLL balance, end of period	691	685
AULC balance, beginning of period	79	79
Provision for unfunded lending commitments	(13)	3
AULC balance, end of period	66	82
ACL balance, end of period	$ 757	$ 767	$ 771

ALLOWANCE FOR CREDIT LOSSES - N

ALLOWANCE FOR CREDIT LOSSES - Narrative (Details) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2024	Dec. 31, 2023	Mar. 31, 2023
Accounts, Notes, Loans and Financing Receivable [Line Items]
ACL balance, end of period	$ 2,415		$ 2,299
ACL, period increase (decrease)	15
Commercial
Accounts, Notes, Loans and Financing Receivable [Line Items]
ACL balance, end of period	1,658	$ 1,600	1,532
ACL, period increase (decrease)	29
Consumer
Accounts, Notes, Loans and Financing Receivable [Line Items]
ACL balance, end of period	$ 757	$ 771	$ 767

MORTGAGE LOAN SALES AND SERVI_3

MORTGAGE LOAN SALES AND SERVICING RIGHTS - Residential Mortgage Portfolio (Details) - Residential mortgage - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
Servicing Asset at Amortized Cost [Line Items]
Loans sold with servicing retained	$ 811	$ 862
Pretax gains resulting from above loan sales	13	7
Total servicing, late, and other ancillary fees	$ 26	$ 24

MORTGAGE LOAN SALES AND SERVI_4

MORTGAGE LOAN SALES AND SERVICING RIGHTS - Residential Mortgage Portfolio, MSRs Fair Value Method (Details) - Residential mortgage - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023	Dec. 31, 2023
Servicing Asset at Fair Value, Amount [Roll Forward]
Fair value, beginning of period	$ 515	$ 494
New servicing assets created	10	13
Time decay	(6)	(6)
Payoffs	(5)	(4)
Changes in valuation inputs or assumptions	20	(12)
Fair value, end of period	534	$ 485	$ 515
Loans serviced for third parties, unpaid principal balance	$ 33,303		$ 33,237

MORTGAGE LOAN SALES AND SERVI_5

MORTGAGE LOAN SALES AND SERVICING RIGHTS - Residential Mortgage Portfolio, MSRs Fair Value Method Key Assumptions (Details) - Fair value method - Residential mortgage - USD ($) $ in Millions	3 Months Ended	12 Months Ended
	Mar. 31, 2024	Dec. 31, 2023
Servicing Assets at Fair Value [Line Items]
Constant prepayment rate (annualized), actual	8.15%	8.61%
Constant prepayment rate (annualized), 10% adverse change	$ (14)	$ (15)
Constant prepayment rate (annualized), 20% adverse change	$ (28)	$ (28)
Spread over forward interest rate swap rates, actual	5.50%	5.38%
Spread over forward interest rate swap rates, 10% adverse change	$ (12)	$ (11)
Spread over forward interest rate swap rates, 20% adverse change	$ (23)	$ (22)

BORROWINGS - Schedule of Short-

BORROWINGS - Schedule of Short-Term Debt (Details) - USD ($) $ in Millions	Mar. 31, 2024	Dec. 31, 2023
Short-term Debt [Line Items]
Short-term borrowings	$ 182	$ 620
Securities sold under agreements to repurchase
Short-term Debt [Line Items]
Short-term borrowings	134	618
Other borrowings
Short-term Debt [Line Items]
Short-term borrowings	$ 48	$ 2

BORROWINGS - Schedule of Long-T

BORROWINGS - Schedule of Long-Term Debt and Debt Issuances (Details) - USD ($) $ in Millions	Mar. 31, 2024		Dec. 31, 2023
Debt Instrument [Line Items]
Long-term debt	$ 14,894	[1]	$ 12,394
Federal Home Loan Bank advances
Debt Instrument [Line Items]
Long-term debt	2,699		2,731
Auto Loan Securitization Trust
Debt Instrument [Line Items]
Long-term debt	$ 1,401		0
Weighted average rate	5.38%
Other borrowings
Debt Instrument [Line Items]
Long-term debt	$ 510		528
Parent
Debt Instrument [Line Items]
Long-term debt	6,171		4,993
Parent | Senior Notes
Debt Instrument [Line Items]
Long-term debt	5,423		4,233
Parent | Subordinated Notes
Debt Instrument [Line Items]
Long-term debt	748		760
Bank
Debt Instrument [Line Items]
Long-term debt	4,113		4,142
Bank | Senior Notes
Debt Instrument [Line Items]
Long-term debt	3,452		3,480
Bank | Subordinated Notes
Debt Instrument [Line Items]
Long-term debt	$ 661		$ 662
[1] Includes VIE balances in net loans and leases and long-term debt of $1.5 billion and $1.4 billion, respectively, at March 31, 2024, and VIE balances in other assets of $136 million and $82 million, and other liabilities of $55 million and $57 million, at March 31, 2024 and December 31, 2023, respectively. See Note 14 - “ Variable Interest Entities ” for additional information.

BORROWINGS - Narrative (Details

BORROWINGS - Narrative (Details) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2024	Dec. 31, 2023
Debt Disclosure [Abstract]
Carrying value of assets pledged as collateral against repurchase agreements	$ 156	$ 840
Maturity term	60 days

OTHER COMPREHENSIVE INCOME - Ac

OTHER COMPREHENSIVE INCOME - Activity/Roll Forward (Details) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
After-tax
Other comprehensive income (loss), net of tax	$ (203)	$ 343
Unrealized gains and (losses) on debt securities
Pretax
Unrealized losses on available-for-sale securities arising during the period, net of hedges	(170)	197
Reclassification from AOCI, before tax	3	3
Tax (Expense) Benefit
OCI before reclassification, tax	40	(45)
Reclassification adjustment for realized net losses included in net income	(1)	(1)
After-tax
Unrealized losses on available-for-sale securities arising during the period, net of hedges	(130)	152
Reclassification adjustment for realized net losses included in net income	2	2
Net change related to cash flow hedges on loans
Pretax
Unrealized losses on available-for-sale securities arising during the period, net of hedges	(161)	231
Reclassification from AOCI, before tax	67	12
Tax (Expense) Benefit
OCI before reclassification, tax	37	(53)
Reclassification adjustment for realized net losses included in net income	(16)	(1)
After-tax
Unrealized losses on available-for-sale securities arising during the period, net of hedges	(124)	178
Reclassification adjustment for realized net losses included in net income	51	11
Net change related to cash flow hedges on loans | Cash Flow Hedges
Pretax
Other comprehensive income (loss), pretax	(94)	243
Tax (Expense) Benefit
Total other comprehensive income (loss), tax (expense) benefit	21	(54)
After-tax
Other comprehensive income (loss), net of tax	(73)	189
Accumulated foreign currency adjustment
Pretax
Other comprehensive income (loss), pretax	(2)
Tax (Expense) Benefit
Total other comprehensive income (loss), tax (expense) benefit	0
After-tax
Other comprehensive income (loss), net of tax	(2)
AOCI
Pretax
Other comprehensive income (loss), pretax	(263)	443
Tax (Expense) Benefit
Total other comprehensive income (loss), tax (expense) benefit	60	(100)
After-tax
Other comprehensive income (loss), net of tax	(203)	343
Debt securities | Unrealized gains and (losses) on debt securities
Pretax
Other comprehensive income (loss), pretax	(167)	200
Tax (Expense) Benefit
Total other comprehensive income (loss), tax (expense) benefit	39	(46)
After-tax
Other comprehensive income (loss), net of tax	$ (128)	$ 154

OTHER COMPREHENSIVE INCOME OTHE

OTHER COMPREHENSIVE INCOME OTHER COMPREHENSIVE INCOME - AOCI Roll Forward (Details) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Balance, beginning of period	$ 19,353
Other comprehensive loss before reclassifications	(256)	$ 330
Net unrealized gains on net investment hedges	53	13
Period change	(203)	343
Balance, end of period	19,322
Unrealized gains and (losses) on debt securities
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Balance, beginning of period	(2,094)	(2,248)
Other comprehensive loss before reclassifications	(130)	152
Net unrealized gains on net investment hedges	2	2
Period change	(128)	154
Balance, end of period	(2,222)	(2,094)
Net change related to cash flow hedges on loans
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Balance, beginning of period	(363)	(632)
Other comprehensive loss before reclassifications	(124)	178
Net unrealized gains on net investment hedges	51	11
Period change	(73)	189
Balance, end of period	(436)	(443)
Translation adjustments, net of hedges
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Balance, beginning of period	(6)	(8)
Other comprehensive loss before reclassifications	(2)	0
Net unrealized gains on net investment hedges	0	0
Period change	(2)	0
Balance, end of period	(8)	(8)
Unrealized gains (losses) for pension and other post-retirement obligations
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Balance, beginning of period	(213)	(210)
Other comprehensive loss before reclassifications	0	0
Net unrealized gains on net investment hedges	0	0
Period change	0	0
Balance, end of period	(213)	(210)
AOCI
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Balance, beginning of period	(2,676)	(3,098)
Balance, end of period	(2,879)	(2,755)
Reclassification out of Accumulated Other Comprehensive Income
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Net unrealized loss on securities transfer	$ 56	$ 64

SHAREHOLDERS' EQUITY (Details)

SHAREHOLDERS' EQUITY (Details) - USD ($) $ / shares in Units, $ in Millions	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023	Dec. 31, 2023	Jul. 14, 2023
Class of Stock [Line Items]
Shares Outstanding (in shares)	881,587		881,587
Carrying Amount	$ 2,394		$ 2,394
Amount ($)	(36)	$ (29)
Retained Earnings
Class of Stock [Line Items]
Amount ($)	$ (36)	$ (29)
Series B Preferred Stock
Class of Stock [Line Items]
Shares Outstanding (in shares)	35,500
Carrying Amount	$ 23		23
Cash Dividend Declared Per Share (in usd per share)	$ 20.69	$ 18.82
Series B Preferred Stock | Retained Earnings
Class of Stock [Line Items]
Amount ($)	$ (1)	$ (1)
Series E Preferred Stock
Class of Stock [Line Items]
Shares Outstanding (in shares)	4,087
Carrying Amount	$ 405		405
Cash Dividend Declared Per Share (in usd per share)	$ 2,113.9	$ 1,425
Series E Preferred Stock | Retained Earnings
Class of Stock [Line Items]
Amount ($)	$ (8)	$ (7)
Series F Preferred Stock
Class of Stock [Line Items]
Shares Outstanding (in shares)	5,000
Dividend Rate	5.625%
Carrying Amount	$ 494		494
Cash Dividend Declared Per Share (in usd per share)	$ 1,406.25	$ 1,406.25
Series F Preferred Stock | Retained Earnings
Class of Stock [Line Items]
Amount ($)	$ (7)	$ (7)
Series G Preferred Stock
Class of Stock [Line Items]
Shares Outstanding (in shares)	5,000
Dividend Rate	4.45%
Carrying Amount	$ 494		494
Cash Dividend Declared Per Share (in usd per share)	$ 1,112.5	$ 1,112.5
Series G Preferred Stock | Retained Earnings
Class of Stock [Line Items]
Amount ($)	$ (6)	$ (6)
Series H Preferred Stock
Class of Stock [Line Items]
Shares Outstanding (in shares)	500,000
Dividend Rate	4.50%
Carrying Amount	$ 486		486
Cash Dividend Declared Per Share (in usd per share)	$ 11.25	$ 11.25
Series H Preferred Stock | Retained Earnings
Class of Stock [Line Items]
Amount ($)	$ (6)	$ (6)
Series I Preferred Stock
Class of Stock [Line Items]
Shares Outstanding (in shares)	7,000
Dividend Rate	5.70%
Carrying Amount	$ 175		175
Redemption price (per share)	$ 25,000
Cash Dividend Declared Per Share (in usd per share)	$ 356.25	$ 356.25
Series I Preferred Stock | Retained Earnings
Class of Stock [Line Items]
Amount ($)	$ (2)	$ (2)
Series J Preferred Stock
Class of Stock [Line Items]
Shares Outstanding (in shares)	325,000
Dividend Rate	6.875%
Carrying Amount	$ 317		$ 317
Cash Dividend Declared Per Share (in usd per share)	$ 17.19	$ 0
Series J Preferred Stock | Retained Earnings
Class of Stock [Line Items]
Amount ($)	$ (6)	$ 0
Series B, H and J Preferred Stock
Class of Stock [Line Items]
Redemption price (per share)	$ 1,000
Series E, F and G Preferred Stock
Class of Stock [Line Items]
Redemption price (per share)	$ 100,000
Secured Overnight Financing Rate (SOFR) | Series B Preferred Stock
Class of Stock [Line Items]
Preferred stock, variable rate basis spread	0.26%
Secured Overnight Financing Rate (SOFR) | Series E Preferred Stock
Class of Stock [Line Items]
Preferred stock, variable rate basis spread	0.26%
London Interbank Offered Rate (LIBOR) | Series B Preferred Stock
Class of Stock [Line Items]
Preferred stock, variable rate basis spread	2.70%			2.70%
London Interbank Offered Rate (LIBOR) | Series E Preferred Stock
Class of Stock [Line Items]
Preferred stock, variable rate basis spread	2.88%			2.88%

EARNINGS PER SHARE (Details)

EARNINGS PER SHARE (Details) - USD ($) $ / shares in Units, shares in Thousands, $ in Millions	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
Basic earnings per common share:
Net income attributable to Huntington	$ 419	$ 602
Dividends on preferred shares	36	29
Net income available to common shareholders, basic	383	573
Net income applicable to diluted earnings per share	$ 383	$ 573
Average common shares issued and outstanding (in shares)	1,448,492	1,443,268
Basic earnings per common share (in usd per share)	$ 0.26	$ 0.40
Average dilutive potential common shares:
Stock options and restricted stock units and awards	17,396	19,613
Shares held in deferred compensation plans	7,447	6,398
Average dilutive potential common shares	24,843	26,011
Total diluted average common shares issued and outstanding (in shares)	1,473,335	1,469,279
Diluted earnings per common share (in usd per share)	$ 0.26	$ 0.39
Employee Stock Option
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Anti-dilutive awards (in shares)	9,794	9,344

REVENUE FROM CONTRACTS WITH C_3

REVENUE FROM CONTRACTS WITH CUSTOMERS - Summary of Noninterest Income (Details) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
Revenue from Contract with Customer [Abstract]
Noninterest income from contracts with customers	$ 336	$ 377
Noninterest income within the scope of other GAAP topics	131	135
Total noninterest income	$ 467	$ 512

REVENUE FROM CONTRACTS WITH C_4

REVENUE FROM CONTRACTS WITH CUSTOMERS - Disaggregation by Segment (Details) $ in Millions	3 Months Ended
	Mar. 31, 2024 USD ($) reporting_segment	Mar. 31, 2023 USD ($)
Disaggregation of Revenue [Line Items]
Number of reporting segments | reporting_segment	2
Noninterest income from contracts with customers	$ 336	$ 377
Noninterest income within the scope of other GAAP topics	131	135
Noninterest income	467	512
Payments and cash management revenue
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	134	125
Wealth and asset management revenue
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	88	80
Customer deposit and loan fees
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	54	47
Capital markets fees
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	29	33
Leasing revenue
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	10	14
Insurance income
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	19	19
Other noninterest income
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	2	59
Operating Segments | Commercial Banking
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	71	73
Noninterest income within the scope of other GAAP topics	74	83
Noninterest income	145	156
Operating Segments | Commercial Banking | Payments and cash management revenue
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	27	25
Operating Segments | Commercial Banking | Wealth and asset management revenue
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	3	1
Operating Segments | Commercial Banking | Customer deposit and loan fees
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	4	1
Operating Segments | Commercial Banking | Capital markets fees
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	25	30
Operating Segments | Commercial Banking | Leasing revenue
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	9	14
Operating Segments | Commercial Banking | Insurance income
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	3	2
Operating Segments | Commercial Banking | Other noninterest income
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	0	0
Operating Segments | Consumer & Regional Banking
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	265	304
Noninterest income within the scope of other GAAP topics	43	40
Noninterest income	308	344
Operating Segments | Consumer & Regional Banking | Payments and cash management revenue
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	107	100
Operating Segments | Consumer & Regional Banking | Wealth and asset management revenue
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	85	79
Operating Segments | Consumer & Regional Banking | Customer deposit and loan fees
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	50	46
Operating Segments | Consumer & Regional Banking | Capital markets fees
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	4	3
Operating Segments | Consumer & Regional Banking | Leasing revenue
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	1	0
Operating Segments | Consumer & Regional Banking | Insurance income
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	16	17
Operating Segments | Consumer & Regional Banking | Other noninterest income
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	2	59
Treasury / Other
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	0	0
Noninterest income within the scope of other GAAP topics	14	12
Noninterest income	14	12
Treasury / Other | Payments and cash management revenue
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	0	0
Treasury / Other | Wealth and asset management revenue
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	0	0
Treasury / Other | Customer deposit and loan fees
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	0	0
Treasury / Other | Capital markets fees
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	0	0
Treasury / Other | Leasing revenue
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	0	0
Treasury / Other | Insurance income
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	0	0
Treasury / Other | Other noninterest income
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	$ 0	$ 0

FAIR VALUES OF ASSETS AND LIA_3

FAIR VALUES OF ASSETS AND LIABILITIES - Recurring Basis (Details) - USD ($) $ in Millions	Mar. 31, 2024	Dec. 31, 2023
Assets measured at fair value on a recurring basis
Available-for-sale securities	$ 26,801	$ 25,305
Loans held for sale	487	506
Loans Accounted for Under FVO	175	174
Gross amounts of recognized assets	1,740	1,723
Derivative assets netting	(1,399)	(1,330)
Net amounts of assets presented in the condensed consolidated balance sheets	341	393
Liabilities measured at fair value on a recurring basis
Gross amounts of recognized liabilities	1,626	1,421
Gross amounts offset in the condensed consolidated balance sheets	(872)	(751)
Derivative liabilities	754	670
U.S. Treasury
Assets measured at fair value on a recurring basis
Available-for-sale securities	5,027	2,856
Municipal securities
Assets measured at fair value on a recurring basis
Available-for-sale securities	3,331	3,373
Residential MBS
Assets measured at fair value on a recurring basis
Available-for-sale securities	10,930	11,382
Commercial MBS
Assets measured at fair value on a recurring basis
Available-for-sale securities	1,795	1,827
Other agencies
Assets measured at fair value on a recurring basis
Available-for-sale securities	147	155
Private-label CMO
Assets measured at fair value on a recurring basis
Available-for-sale securities	117	119
Asset-backed securities
Assets measured at fair value on a recurring basis
Available-for-sale securities	351	356
Corporate debt
Assets measured at fair value on a recurring basis
Available-for-sale securities	2,018	2,043
Fair Value, Measurements, Recurring
Assets measured at fair value on a recurring basis
Trading account securities	167	125
Available-for-sale securities	26,801	25,305
Other securities	32	32
Loans held for sale	487	506
MSRs	534	515
Derivative assets netting	(1,399)	(1,330)
Net amounts of assets presented in the condensed consolidated balance sheets	341	393
Assets held in trust for deferred compensation plans	186	177
Liabilities measured at fair value on a recurring basis
Gross amounts offset in the condensed consolidated balance sheets	(872)	(751)
Derivative liabilities	754	670
Fair Value, Measurements, Recurring | U.S. Treasury
Assets measured at fair value on a recurring basis
Trading account securities	92	91
Available-for-sale securities	5,027	2,856
Fair Value, Measurements, Recurring | Municipal securities
Assets measured at fair value on a recurring basis
Trading account securities	51	32
Available-for-sale securities	3,331	3,373
Fair Value, Measurements, Recurring | Residential CMO
Assets measured at fair value on a recurring basis
Available-for-sale securities	3,075	3,184
Fair Value, Measurements, Recurring | Residential MBS
Assets measured at fair value on a recurring basis
Available-for-sale securities	10,930	11,382
Fair Value, Measurements, Recurring | Commercial MBS
Assets measured at fair value on a recurring basis
Available-for-sale securities	1,795	1,827
Fair Value, Measurements, Recurring | Other agencies
Assets measured at fair value on a recurring basis
Trading account securities		2
Available-for-sale securities	147	155
Fair Value, Measurements, Recurring | Private-label CMO
Assets measured at fair value on a recurring basis
Available-for-sale securities	117	119
Fair Value, Measurements, Recurring | Asset-backed securities
Assets measured at fair value on a recurring basis
Available-for-sale securities	351	356
Fair Value, Measurements, Recurring | Corporate debt
Assets measured at fair value on a recurring basis
Trading account securities	24
Available-for-sale securities	2,018	2,043
Fair Value, Measurements, Recurring | Other securities
Assets measured at fair value on a recurring basis
Available-for-sale securities	10	10
Fair Value, Measurements, Recurring | Level 1
Assets measured at fair value on a recurring basis
Trading account securities	92	91
Available-for-sale securities	5,027	2,856
Other securities	31	30
Loans held for sale	0	0
Loans Accounted for Under FVO	0	0
MSRs	0	0
Gross amounts of recognized assets	0	0
Assets held in trust for deferred compensation plans	186	177
Liabilities measured at fair value on a recurring basis
Gross amounts of recognized liabilities	0	0
Fair Value, Measurements, Recurring | Level 1 | U.S. Treasury
Assets measured at fair value on a recurring basis
Trading account securities	92	91
Available-for-sale securities	5,027	2,856
Fair Value, Measurements, Recurring | Level 1 | Municipal securities
Assets measured at fair value on a recurring basis
Trading account securities	0	0
Available-for-sale securities	0	0
Fair Value, Measurements, Recurring | Level 1 | Residential CMO
Assets measured at fair value on a recurring basis
Available-for-sale securities	0	0
Fair Value, Measurements, Recurring | Level 1 | Residential MBS
Assets measured at fair value on a recurring basis
Available-for-sale securities	0	0
Fair Value, Measurements, Recurring | Level 1 | Commercial MBS
Assets measured at fair value on a recurring basis
Available-for-sale securities	0	0
Fair Value, Measurements, Recurring | Level 1 | Other agencies
Assets measured at fair value on a recurring basis
Trading account securities		0
Available-for-sale securities	0	0
Fair Value, Measurements, Recurring | Level 1 | Private-label CMO
Assets measured at fair value on a recurring basis
Available-for-sale securities	0	0
Fair Value, Measurements, Recurring | Level 1 | Asset-backed securities
Assets measured at fair value on a recurring basis
Available-for-sale securities	0	0
Fair Value, Measurements, Recurring | Level 1 | Corporate debt
Assets measured at fair value on a recurring basis
Trading account securities	0
Available-for-sale securities	0	0
Fair Value, Measurements, Recurring | Level 1 | Other securities
Assets measured at fair value on a recurring basis
Available-for-sale securities	0	0
Fair Value, Measurements, Recurring | Level 2
Assets measured at fair value on a recurring basis
Trading account securities	75	34
Available-for-sale securities	18,389	19,019
Other securities	1	2
Loans held for sale	487	506
Loans Accounted for Under FVO	117	120
MSRs	0	0
Gross amounts of recognized assets	1,734	1,720
Assets held in trust for deferred compensation plans	0	0
Liabilities measured at fair value on a recurring basis
Gross amounts of recognized liabilities	1,624	1,416
Fair Value, Measurements, Recurring | Level 2 | U.S. Treasury
Assets measured at fair value on a recurring basis
Trading account securities	0	0
Available-for-sale securities	0	0
Fair Value, Measurements, Recurring | Level 2 | Municipal securities
Assets measured at fair value on a recurring basis
Trading account securities	51	32
Available-for-sale securities	38	38
Fair Value, Measurements, Recurring | Level 2 | Residential CMO
Assets measured at fair value on a recurring basis
Available-for-sale securities	3,075	3,184
Fair Value, Measurements, Recurring | Level 2 | Residential MBS
Assets measured at fair value on a recurring basis
Available-for-sale securities	10,930	11,382
Fair Value, Measurements, Recurring | Level 2 | Commercial MBS
Assets measured at fair value on a recurring basis
Available-for-sale securities	1,795	1,827
Fair Value, Measurements, Recurring | Level 2 | Other agencies
Assets measured at fair value on a recurring basis
Trading account securities		2
Available-for-sale securities	147	155
Fair Value, Measurements, Recurring | Level 2 | Private-label CMO
Assets measured at fair value on a recurring basis
Available-for-sale securities	97	99
Fair Value, Measurements, Recurring | Level 2 | Asset-backed securities
Assets measured at fair value on a recurring basis
Available-for-sale securities	279	281
Fair Value, Measurements, Recurring | Level 2 | Corporate debt
Assets measured at fair value on a recurring basis
Trading account securities	24
Available-for-sale securities	2,018	2,043
Fair Value, Measurements, Recurring | Level 2 | Other securities
Assets measured at fair value on a recurring basis
Available-for-sale securities	10	10
Fair Value, Measurements, Recurring | Level 3
Assets measured at fair value on a recurring basis
Trading account securities	0	0
Available-for-sale securities	3,385	3,430
Other securities	0	0
Loans held for sale	0	0
Loans Accounted for Under FVO	58	54
MSRs	534	515
Gross amounts of recognized assets	6	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	2	5
Fair Value, Measurements, Recurring | Level 3 | U.S. Treasury
Assets measured at fair value on a recurring basis
Trading account securities	0	0
Available-for-sale securities	0	0
Fair Value, Measurements, Recurring | Level 3 | Municipal securities
Assets measured at fair value on a recurring basis
Trading account securities	0	0
Available-for-sale securities	3,293	3,335
Fair Value, Measurements, Recurring | Level 3 | Residential CMO
Assets measured at fair value on a recurring basis
Available-for-sale securities	0	0
Fair Value, Measurements, Recurring | Level 3 | Residential MBS
Assets measured at fair value on a recurring basis
Available-for-sale securities	0	0
Fair Value, Measurements, Recurring | Level 3 | Commercial MBS
Assets measured at fair value on a recurring basis
Available-for-sale securities	0	0
Fair Value, Measurements, Recurring | Level 3 | Other agencies
Assets measured at fair value on a recurring basis
Trading account securities		0
Available-for-sale securities	0	0
Fair Value, Measurements, Recurring | Level 3 | Private-label CMO
Assets measured at fair value on a recurring basis
Available-for-sale securities	20	20
Fair Value, Measurements, Recurring | Level 3 | Asset-backed securities
Assets measured at fair value on a recurring basis
Available-for-sale securities	72	75
Fair Value, Measurements, Recurring | Level 3 | Corporate debt
Assets measured at fair value on a recurring basis
Trading account securities	0
Available-for-sale securities	0	0
Fair Value, Measurements, Recurring | Level 3 | Other securities
Assets measured at fair value on a recurring basis
Available-for-sale securities	$ 0	$ 0

FAIR VALUES OF ASSETS AND LIA_4

FAIR VALUES OF ASSETS AND LIABILITIES - Level 3 Roll Forward (Details) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023	Dec. 31, 2023	Dec. 31, 2022
Derivative instruments
Opening balance	$ 4	$ 3	$ (2)	$ (2)
Transfers into Level 3	0
Transfers out of Level 3	(5)	(2)
Included in OCI	0	0
Purchases/originations	0	0
Repayments		0
Settlements	6	0
Closing balance	4	3
Change in unrealized gains or losses for the period included in earnings for assets held at end of the reporting date	1	5
Mortgage banking income
Derivative instruments
Included in earnings:	7	7
Interest and fee income
Derivative instruments
Included in earnings:		0
Noninterest income
Derivative instruments
Included in earnings:	(2)
MSRs
Assets Level 3 Roll Forward:
Opening balance	515	494
Transfers into Level 3	0
Transfers out of Level 3	0	0
Total gains/losses for the period:
Included in OCI	0	0
Purchases/originations	10	13
Repayments		0
Settlements	(11)	(10)
Closing balance	534	485	515	494
Change in unrealized gains or losses for the period included in earnings for assets held at end of the reporting date	20	(12)
MSRs | Mortgage banking income
Total gains/losses for the period:
Included in earnings:	20	(12)
MSRs | Interest and fee income
Total gains/losses for the period:
Included in earnings:		0
MSRs | Noninterest income
Total gains/losses for the period:
Included in earnings:	0
Municipal securities
Assets Level 3 Roll Forward:
Opening balance	3,335	3,248
Transfers into Level 3	0
Transfers out of Level 3	0	0
Total gains/losses for the period:
Included in OCI	19	3
Purchases/originations	72	177
Repayments		0
Settlements	(133)	(89)
Closing balance	3,293	3,339	3,335	3,248
Change in unrealized gains or losses for the period included in other comprehensive income for assets held at the end of the reporting period	18	3
Municipal securities | Mortgage banking income
Total gains/losses for the period:
Included in earnings:	0	0
Municipal securities | Interest and fee income
Total gains/losses for the period:
Included in earnings:		0
Municipal securities | Noninterest income
Total gains/losses for the period:
Included in earnings:	0
Private-label CMO
Assets Level 3 Roll Forward:
Opening balance	20	20
Transfers into Level 3	0
Transfers out of Level 3	0	0
Total gains/losses for the period:
Included in OCI	0	0
Purchases/originations	0	0
Repayments		0
Settlements	0	1
Closing balance	20	20	20	20
Change in unrealized gains or losses for the period included in other comprehensive income for assets held at the end of the reporting period	0	0
Private-label CMO | Mortgage banking income
Total gains/losses for the period:
Included in earnings:	0	0
Private-label CMO | Interest and fee income
Total gains/losses for the period:
Included in earnings:		(1)
Private-label CMO | Noninterest income
Total gains/losses for the period:
Included in earnings:	0
Asset-backed securities
Assets Level 3 Roll Forward:
Opening balance	75	74
Transfers into Level 3	0
Transfers out of Level 3	0	0
Total gains/losses for the period:
Included in OCI	0	0
Purchases/originations	0	0
Repayments		0
Settlements	(3)	0
Closing balance	72	74	75	74
Change in unrealized gains or losses for the period included in other comprehensive income for assets held at the end of the reporting period	0	0
Asset-backed securities | Mortgage banking income
Total gains/losses for the period:
Included in earnings:	0	0
Asset-backed securities | Interest and fee income
Total gains/losses for the period:
Included in earnings:		0
Asset-backed securities | Noninterest income
Total gains/losses for the period:
Included in earnings:	0
Loans held for investment
Assets Level 3 Roll Forward:
Opening balance	54	16
Transfers into Level 3	4
Transfers out of Level 3	0	0
Total gains/losses for the period:
Included in OCI	0	0
Purchases/originations	0	0
Repayments		(1)
Settlements	0	0
Closing balance	58	15	$ 54	$ 16
Change in unrealized gains or losses for the period included in earnings for assets held at end of the reporting date	0	0
Loans held for investment | Mortgage banking income
Total gains/losses for the period:
Included in earnings:	0	0
Loans held for investment | Interest and fee income
Total gains/losses for the period:
Included in earnings:		$ 0
Loans held for investment | Noninterest income
Total gains/losses for the period:
Included in earnings:	$ 0

FAIR VALUES OF ASSETS AND LIA_5

FAIR VALUES OF ASSETS AND LIABILITIES - Fair Value Option (Details) - USD ($) $ in Millions	Mar. 31, 2024	Dec. 31, 2023
Fair Value, Option, Quantitative Disclosures [Line Items]
Loans held for sale, fair value	$ 487	$ 506
Loans and leases, fair value	175	174
Fair Value, Measurements, Recurring
Fair Value, Option, Quantitative Disclosures [Line Items]
Loans held for sale, fair value	487	506
Fair Value, Measurements, Recurring | Mortgages Held For Sale
Fair Value, Option, Quantitative Disclosures [Line Items]
Loans held for sale, aggregate unpaid principal	477	489
Difference	10	17
Fair Value, Measurements, Recurring | Mortgages Held To Maturity
Fair Value, Option, Quantitative Disclosures [Line Items]
Loans and leases, fair value	175	174
Loans held for investment, aggregate unpaid principal	186	184
Difference	(11)	(10)
Fair Value, Measurements, Recurring | 90 or  more days | Mortgages Held For Sale
Fair Value, Option, Quantitative Disclosures [Line Items]
Loans held for sale, fair value	0	0
Loans held for sale, aggregate unpaid principal	0	0
Difference	0	0
Fair Value, Measurements, Recurring | 90 or  more days | Mortgages Held To Maturity
Fair Value, Option, Quantitative Disclosures [Line Items]
Loans and leases, fair value	3	2
Loans held for investment, aggregate unpaid principal	3	3
Difference	$ 0	$ (1)

FAIR VALUES OF ASSETS AND LIA_6

FAIR VALUES OF ASSETS AND LIABILITIES - Fair Value Option-Changes in Fair Value (Details) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
Fair Value, Measurements, Recurring
Fair Value, Option, Quantitative Disclosures [Line Items]
Net gains (losses) from fair value changes	$ (7)	$ 0
Fair Value Measured On Recurring Basis Automobile Loan | Fair Value, Measurements, Recurring
Fair Value, Option, Quantitative Disclosures [Line Items]
Net gains (losses) from fair value changes	$ (1)	$ 0

FAIR VALUES OF ASSETS AND LIA_7

FAIR VALUES OF ASSETS AND LIABILITIES - Non-Recurring Basis (Details) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023	Dec. 31, 2023
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans held for sale	$ 487		$ 506
Nonrecurring Basis | Total Gains/(Losses)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Collateral-dependent loans, gains (losses)	(25)	$ (6)
Nonrecurring Basis | Level 3 | Fair Value
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Collateral-dependent loans	$ 68		$ 40

FAIR VALUES OF ASSETS AND LIA_8

FAIR VALUES OF ASSETS AND LIABILITIES - Significant Unobservable Level 3 Inputs (Details) - Discounted cash flow - Level 3 - Fair Value, Measurements, Recurring	Mar. 31, 2024	Dec. 31, 2023
Residential MBS | Minimum | Constant prepayment rate
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Servicing asset, measurement input	0.04	0.04
Residential MBS | Minimum | Spread over forward interest rate swap rates
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Servicing asset, measurement input	0.05	0.05
Residential MBS | Maximum | Constant prepayment rate
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Servicing asset, measurement input	0.41	0.37
Residential MBS | Maximum | Spread over forward interest rate swap rates
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Servicing asset, measurement input	0.13	0.13
Residential MBS | Weighted Average | Constant prepayment rate
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Servicing asset, measurement input	0.08	0.09
Residential MBS | Weighted Average | Spread over forward interest rate swap rates
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Servicing asset, measurement input	0.06	0.05
Corporate debt | Loss given default
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Debt securities, available-for-sale, measurement input	0.20	0.20
Corporate debt | Minimum | Discount rate
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Debt securities, available-for-sale, measurement input	0.05	0.04
Corporate debt | Minimum | Cumulative default
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Debt securities, available-for-sale, measurement input	0	0
Corporate debt | Maximum | Discount rate
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Debt securities, available-for-sale, measurement input	0.06	0.06
Corporate debt | Maximum | Cumulative default
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Debt securities, available-for-sale, measurement input	0.64	0.64
Corporate debt | Weighted Average | Discount rate
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Debt securities, available-for-sale, measurement input	0.05	0.05
Corporate debt | Weighted Average | Cumulative default
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Debt securities, available-for-sale, measurement input	0.06	0.06
Corporate debt | Weighted Average | Loss given default
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Debt securities, available-for-sale, measurement input	0.20	0.20

FAIR VALUES OF ASSETS AND LIA_9

FAIR VALUES OF ASSETS AND LIABILITIES - Balance Sheet Location (Details) - USD ($) $ in Millions		Mar. 31, 2024		Dec. 31, 2023
Financial Assets
Available-for-sale securities		$ 26,801		$ 25,305
Held-to-maturity securities		15,416		15,750
Loans held for sale	[1]	490		516
Net loans and leases		120,487	[2]	119,727
Derivative assets, gross		1,740		1,723
Derivative assets, netting adjustments		(1,399)		(1,330)
Derivative assets, net		341		393
Financial Liabilities
Total deposits		153,225		151,230
Short-term borrowings		182		620
Long-term debt		14,894	[2]	12,394
Derivative liabilities, gross		1,626		1,421
Derivative liabilities, netting adjustments		(872)		(751)
Derivative liabilities, net		754		670
Time deposits in excess of the FDIC insurance coverage limit		1,400		1,400
Reported Value Measurement
Financial Assets
Cash and short-term assets		12,405		10,323
Trading account securities		167		125
Available-for-sale securities		26,801		25,305
Held-to-maturity securities		15,416		15,750
Other securities		727		725
Loans held for sale		490		516
Net loans and leases		120,487		119,727
Derivative assets, net		341		393
Assets held in trust for deferred compensation plans		186		177
Financial Liabilities
Total deposits		153,225		151,230
Short-term borrowings		182		620
Long-term debt		14,894		12,394
Derivative liabilities, net		754		670
Estimate of Fair Value Measurement
Financial Assets
Cash and short-term assets		12,405		10,323
Trading account securities		167		125
Available-for-sale securities		26,801		25,305
Held-to-maturity securities		13,171		13,718
Other securities		727		725
Other securities		32		32
Loans held for sale		490		516
Net loans and leases		117,441		116,781
Derivative assets, net		341		393
Assets held in trust for deferred compensation plans		186		177
Financial Liabilities
Total deposits		153,175		151,183
Short-term borrowings		182		620
Long-term debt		14,906		12,276
Derivative liabilities, net		754		670
Estimate of Fair Value Measurement | Level 1
Financial Assets
Trading account securities		92		91
Available-for-sale securities		5,027		2,856
Held-to-maturity securities		0		0
Other securities		31		30
Loans held for sale		0		0
Net loans and leases		0		0
Financial Liabilities
Total deposits		0		0
Short-term borrowings		0		0
Long-term debt		0		0
Estimate of Fair Value Measurement | Level 2
Financial Assets
Trading account securities		75		34
Available-for-sale securities		18,389		19,019
Held-to-maturity securities		13,171		13,718
Other securities		1		2
Loans held for sale		487		506
Net loans and leases		117		120
Derivative assets, gross		1,734		1,720
Financial Liabilities
Total deposits		137,131		135,627
Short-term borrowings		182		620
Long-term debt		11,583		8,929
Derivative liabilities, gross		1,624		1,416
Estimate of Fair Value Measurement | Level 3
Financial Assets
Trading account securities		0		0
Available-for-sale securities		3,385		3,430
Held-to-maturity securities		0		0
Other securities		0		0
Loans held for sale		3		10
Net loans and leases		117,324		116,661
Derivative assets, gross		6		3
Derivative assets, netting adjustments		(1,399)		(1,330)
Financial Liabilities
Total deposits		16,044		15,556
Short-term borrowings		0		0
Long-term debt		3,323		3,347
Derivative liabilities, gross		2		5
Derivative liabilities, netting adjustments		(872)		(751)
Fair Value, Recurring
Financial Assets
Trading account securities		167		125
Available-for-sale securities		26,801		25,305
Derivative assets, netting adjustments		(1,399)		(1,330)
Derivative assets, net		341		393
Financial Liabilities
Derivative liabilities, netting adjustments		(872)		(751)
Derivative liabilities, net		754		670
Fair Value, Recurring | Level 1
Financial Assets
Trading account securities		92		91
Available-for-sale securities		5,027		2,856
Derivative assets, gross		0		0
Financial Liabilities
Derivative liabilities, gross		0		0
Fair Value, Recurring | Level 2
Financial Assets
Trading account securities		75		34
Available-for-sale securities		18,389		19,019
Derivative assets, gross		1,734		1,720
Financial Liabilities
Derivative liabilities, gross		1,624		1,416
Fair Value, Recurring | Level 3
Financial Assets
Trading account securities		0		0
Available-for-sale securities		3,385		3,430
Derivative assets, gross		6		3
Financial Liabilities
Derivative liabilities, gross		2		5
Other securities | Fair Value, Recurring
Financial Assets
Available-for-sale securities		10		10
Other securities | Fair Value, Recurring | Level 1
Financial Assets
Available-for-sale securities		0		0
Other securities | Fair Value, Recurring | Level 2
Financial Assets
Available-for-sale securities		10		10
Other securities | Fair Value, Recurring | Level 3
Financial Assets
Available-for-sale securities		0		0
Amortized Cost | Reported Value Measurement
Financial Assets
Cash and short-term assets		12,405		10,323
Held-to-maturity securities		15,416		15,750
Other securities		695		693
Net loans and leases		120,312		119,553
Financial Liabilities
Total deposits		153,225		151,230
Short-term borrowings		182		620
Long-term debt		14,894		12,394
Fair Value or Fair Value Option | Reported Value Measurement
Financial Assets
Trading account securities		167		125
Available-for-sale securities		26,801		25,305
Other securities		32		32
Loans held for sale		487		506
Net loans and leases		175		174
Derivative assets, net		341		393
Assets held in trust for deferred compensation plans		186		177
Financial Liabilities
Derivative liabilities, net		754		670
Lower of Cost or Market | Reported Value Measurement
Financial Assets
Loans held for sale		$ 3		$ 10
[1] Amounts represent loans for which Huntington has elected the fair value option. See Note 12 - “ Fair Values of Assets and Liabilities ”. Includes VIE balances in net loans and leases and long-term debt of $1.5 billion and $1.4 billion, respectively, at March 31, 2024, and VIE balances in other assets of $136 million and $82 million, and other liabilities of $55 million and $57 million, at March 31, 2024 and December 31, 2023, respectively. See Note 14 - “ Variable Interest Entities ” for additional information.

DERIVATIVE FINANCIAL INSTRUME_3

DERIVATIVE FINANCIAL INSTRUMENTS - Hedging Instruments (Details) - USD ($) $ in Millions	Mar. 31, 2024	Dec. 31, 2023
Derivatives, Fair Value [Line Items]
Notional Value	$ 41,692	$ 38,192
Asset derivatives included in accrued income and other assets
Total contracts	1,740	1,723
Liability derivatives included in accrued expenses and other liabilities
Total contracts	1,626	1,421
Accrued income and other assets
Asset derivatives included in accrued income and other assets
Total contracts	1,740	1,723
Accrued expenses and other liabilities
Liability derivatives included in accrued expenses and other liabilities
Total contracts	1,626	1,421
Interest rate contracts | Accrued income and other assets
Asset derivatives included in accrued income and other assets
Interest rate contracts designated as hedging instruments	842	868
Interest rate contracts | Accrued expenses and other liabilities
Liability derivatives included in accrued expenses and other liabilities
Interest rate contracts designated as hedging instruments	704	519
Foreign exchange contracts | Accrued income and other assets
Asset derivatives included in accrued income and other assets
Interest rate contracts designated as hedging instruments	0	6
Foreign exchange contracts | Accrued expenses and other liabilities
Liability derivatives included in accrued expenses and other liabilities
Interest rate contracts designated as hedging instruments	2	0
Credit contracts | Accrued income and other assets
Asset derivatives included in accrued income and other assets
Derivative instruments not designated as hedging instruments, asset	2	0
Credit contracts | Accrued expenses and other liabilities
Liability derivatives included in accrued expenses and other liabilities
Derivative instruments not designated as hedging instruments, liability	0	2
Derivatives designated as Hedging Instruments | Interest rate contracts | Accrued income and other assets
Derivatives, Fair Value [Line Items]
Notional Value	41,517	38,017
Derivatives designated as Hedging Instruments | Foreign exchange contracts | Accrued income and other assets
Derivatives, Fair Value [Line Items]
Notional Value	230	222
Derivatives not designated as Hedging Instruments | Accrued income and other assets
Derivatives, Fair Value [Line Items]
Notional Value	90,476	86,843
Derivatives not designated as Hedging Instruments | Interest rate contracts | Accrued income and other assets
Derivatives, Fair Value [Line Items]
Notional Value	42,315	41,526
Asset derivatives included in accrued income and other assets
Interest rate contracts not designated as hedging instruments	798	718
Derivatives not designated as Hedging Instruments | Interest rate contracts | Accrued expenses and other liabilities
Liability derivatives included in accrued expenses and other liabilities
Interest rate contracts not designated as hedging instruments	838	757
Derivatives not designated as Hedging Instruments | Foreign exchange contracts | Accrued income and other assets
Derivatives, Fair Value [Line Items]
Notional Value	4,640	5,257
Asset derivatives included in accrued income and other assets
Foreign exchange contracts not designated as hedging instruments	47	69
Derivatives not designated as Hedging Instruments | Foreign exchange contracts | Accrued expenses and other liabilities
Liability derivatives included in accrued expenses and other liabilities
Foreign exchange contracts not designated as hedging instruments	34	76
Derivatives not designated as Hedging Instruments | Commodities contracts | Accrued income and other assets
Derivatives, Fair Value [Line Items]
Notional Value	608	681
Asset derivatives included in accrued income and other assets
Commodities contracts not designated as hedging instruments	47	62
Derivatives not designated as Hedging Instruments | Commodities contracts | Accrued expenses and other liabilities
Liability derivatives included in accrued expenses and other liabilities
Commodities contracts not designated as hedging instruments	46	60
Derivatives not designated as Hedging Instruments | Equity contracts | Accrued income and other assets
Derivatives, Fair Value [Line Items]
Notional Value	820	759
Asset derivatives included in accrued income and other assets
Derivative instruments not designated as hedging instruments, asset	4	0
Derivatives not designated as Hedging Instruments | Equity contracts | Accrued expenses and other liabilities
Liability derivatives included in accrued expenses and other liabilities
Derivative instruments not designated as hedging instruments, liability	2	7
Derivatives not designated as Hedging Instruments | Credit contracts | Accrued income and other assets
Derivatives, Fair Value [Line Items]
Notional Value	$ 346	$ 381

DERIVATIVE FINANCIAL INSTRUME_4

DERIVATIVE FINANCIAL INSTRUMENTS - Gain (Loss) (Details) - Derivatives not designated as Hedging Instruments - Fair Value Hedging - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
Derivative Instruments, Gain (Loss) [Line Items]
Amount of Gain or (Loss) Recognized in Income on Derivative	$ 2	$ 28
Interest rate contracts | Capital markets fees
Derivative Instruments, Gain (Loss) [Line Items]
Amount of Gain or (Loss) Recognized in Income on Derivative	5	7
Interest rate contracts | Mortgage banking income
Derivative Instruments, Gain (Loss) [Line Items]
Amount of Gain or (Loss) Recognized in Income on Derivative	(11)	9
Interest rate swaptions | Other noninterest income
Derivative Instruments, Gain (Loss) [Line Items]
Amount of Gain or (Loss) Recognized in Income on Derivative	0	(1)
Foreign exchange contracts | Capital markets fees
Derivative Instruments, Gain (Loss) [Line Items]
Amount of Gain or (Loss) Recognized in Income on Derivative	11	12
Credit contracts | Other noninterest income
Derivative Instruments, Gain (Loss) [Line Items]
Amount of Gain or (Loss) Recognized in Income on Derivative	(2)	0
Commodities contracts | Capital markets fees
Derivative Instruments, Gain (Loss) [Line Items]
Amount of Gain or (Loss) Recognized in Income on Derivative	1	2
Equity contracts | Other noninterest expense
Derivative Instruments, Gain (Loss) [Line Items]
Amount of Gain or (Loss) Recognized in Income on Derivative	$ (2)	$ (1)

DERIVATIVE FINANCIAL INSTRUME_5

DERIVATIVE FINANCIAL INSTRUMENTS - Asset and Liability Management (Details) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023	Dec. 31, 2023
Notional Disclosures [Abstract]
Notional Value	$ 41,692		$ 38,192
Increase (decrease) to net interest income due to derivative adjustment	(68)	$ (52)
Accrued Expenses And Other Liabilities [Member] | Credit contracts
Notional Disclosures [Abstract]
Derivative instruments not designated as hedging instruments, liability	0		2
Not Designated as Hedging Instrument, Economic Hedge
Notional Disclosures [Abstract]
Notional Value	175		175
Derivatives not designated as Hedging Instruments | Accrued income and other assets
Notional Disclosures [Abstract]
Notional Value	90,476		86,843
Derivatives not designated as Hedging Instruments | Accrued income and other assets | Credit contracts
Notional Disclosures [Abstract]
Notional Value	346		381
Fair Value Hedging | Derivatives designated as Hedging Instruments
Notional Disclosures [Abstract]
Notional Value	24,217		21,342
Cash Flow Hedges | Derivatives designated as Hedging Instruments
Notional Disclosures [Abstract]
Notional Value	17,300		16,675
Investment securities
Notional Disclosures [Abstract]
Notional Value	11,649		11,649
Investment securities | Not Designated as Hedging Instrument, Economic Hedge
Notional Disclosures [Abstract]
Notional Value	0		0
Investment securities | Fair Value Hedging | Derivatives designated as Hedging Instruments
Notional Disclosures [Abstract]
Notional Value	11,649		11,649
Investment securities | Cash Flow Hedges | Derivatives designated as Hedging Instruments
Notional Disclosures [Abstract]
Notional Value	0		0
Loans
Notional Disclosures [Abstract]
Notional Value	17,475		16,850
Loans | Not Designated as Hedging Instrument, Economic Hedge
Notional Disclosures [Abstract]
Notional Value	175		175
Loans | Fair Value Hedging | Derivatives designated as Hedging Instruments
Notional Disclosures [Abstract]
Notional Value	0		0
Loans | Cash Flow Hedges | Derivatives designated as Hedging Instruments
Notional Disclosures [Abstract]
Notional Value	17,300		16,675
Long-term debt
Notional Disclosures [Abstract]
Notional Value	12,568		9,693
Long-term debt | Not Designated as Hedging Instrument, Economic Hedge
Notional Disclosures [Abstract]
Notional Value	0		0
Long-term debt | Fair Value Hedging | Derivatives designated as Hedging Instruments
Notional Disclosures [Abstract]
Notional Value	12,568		9,693
Long-term debt | Cash Flow Hedges | Derivatives designated as Hedging Instruments
Notional Disclosures [Abstract]
Notional Value	$ 0		$ 0

DERIVATIVE FINANCIAL INSTRUME_6

DERIVATIVE FINANCIAL INSTRUMENTS - Fair Value Hedges (Details) - USD ($) $ in Millions	3 Months Ended		12 Months Ended
	Mar. 31, 2024	Mar. 31, 2023	Dec. 31, 2023
Derivative Instruments, Gain (Loss) [Line Items]
Cumulative basis adjustments associated with hedging relationships	$ 680		$ 619
Fair value hedging adjustments	(66)		(69)
Investment Securities
Derivative Instruments, Gain (Loss) [Line Items]
Amortized Cost	17,967		18,241
Cumulative Amount of Fair Value Hedging Adjustment To Hedged Items	(770)		(698)
Amortized cost basis of the closed portfolios used in hedging relationships	17,400
Cumulative basis adjustments associated with hedging relationships	(680)
Designated hedged items	11,000
Interest Rate Swap
Derivative Instruments, Gain (Loss) [Line Items]
Designated hedged items	662
Subordinated notes
Derivative Instruments, Gain (Loss) [Line Items]
Amortized Cost	12,250		9,909
Cumulative Amount of Fair Value Hedging Adjustment To Hedged Items	(243)		$ (115)
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	71	$ (182)
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	(72)	181
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	(128)	116
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	$ 128	$ (116)

DERIVATIVE FINANCIAL INSTRUME_7

DERIVATIVE FINANCIAL INSTRUMENTS - Cash Flow Hedges and Economic Hedges (Details) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2024	Dec. 31, 2023
Derivative Instruments, Gain (Loss) [Line Items]
Notional Value	$ 41,692	$ 38,192
Net losses recognized in AOCI expected to be reclassed	(174)
Loans
Derivative Instruments, Gain (Loss) [Line Items]
Notional Value	$ 17,475	$ 16,850

DERIVATIVE FINANCIAL INSTRUME_8

DERIVATIVE FINANCIAL INSTRUMENTS - MSR Hedging Activities (Details) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023	Dec. 31, 2023
Derivative Instruments and Hedging Activities Disclosures [Line Items]
Remaining maturity	1 year
Notional Value	$ 41,692		$ 38,192
Derivative used in Mortgage Banking Activities
Derivative Instruments and Hedging Activities Disclosures [Line Items]
Derivative, fair value, net	4		(4)
Notional Value	1,428		1,668
Trading liabilities	(77)		(69)
Trading (losses) gains	(19)	$ 9
Commitments to sell loans
Derivative Instruments and Hedging Activities Disclosures [Line Items]
Commitments to sell residential real estate loans	$ 714		$ 674

DERIVATIVE FINANCIAL INSTRUME_9

DERIVATIVE FINANCIAL INSTRUMENTS - Derivatives Used In Customer Related Activities (Details) - USD ($) $ in Millions	Mar. 31, 2024	Dec. 31, 2023
Derivative [Line Items]
Credit risks from interest rate swaps used for trading purposes	$ 78	$ 122
Derivative used in trading activity
Derivative [Line Items]
Net derivative asset (liability)	57	47
Derivative financial instruments used by Huntington on behalf of customers including offsetting derivatives, notional value	$ 44,700	$ 44,500

DERIVATIVE FINANCIAL INSTRUM_10

DERIVATIVE FINANCIAL INSTRUMENTS - Financial Assets And Liabilities That Are Offset (Details) $ in Millions	3 Months Ended
	Mar. 31, 2024 USD ($) group	Dec. 31, 2023 USD ($)
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Number of primary groups | group	2
Aggregate credit risk, net of collateral	$ 255	$ 238
Investment securities and cash collateral pledged by Huntington	181
Investment securities and cash collateral pledged to Huntington	$ 616

DERIVATIVE FINANCIAL INSTRUM_11

DERIVATIVE FINANCIAL INSTRUMENTS - Offsetting Assets (Details) - USD ($) $ in Millions	Mar. 31, 2024	Dec. 31, 2023
Offsetting Derivative Assets [Abstract]
Gross amounts of recognized assets	$ 1,740	$ 1,723
Gross amounts offset in the condensed consolidated balance sheets	1,399	1,330
Net amounts of assets presented in the condensed consolidated balance sheets	341	393
Gross amounts not offset in the condensed consolidated balance sheets, Financial instruments	0	(45)
Gross amounts not offset in the condensed consolidated balance sheets, cash collateral received	(10)	(4)
Net amount	$ 331	$ 344

DERIVATIVE FINANCIAL INSTRUM_12

DERIVATIVE FINANCIAL INSTRUMENTS - Offsetting Liabilities (Details) - USD ($) $ in Millions	Mar. 31, 2024	Dec. 31, 2023
Offsetting Derivative Liabilities [Abstract]
Gross amounts of recognized liabilities	$ 1,626	$ 1,421
Gross amounts offset in the condensed consolidated balance sheets	(872)	(751)
Derivative liabilities	754	670
Gross amounts not offset in the condensed consolidated balance sheets, Financial instruments	(23)	0
Gross amounts not offset in the condensed consolidated balance sheets, Cash collateral received	(87)	(93)
Net amount	$ 644	$ 577

VARIABLE INTEREST ENTITIES - Co

VARIABLE INTEREST ENTITIES - Consolidated (Details) - USD ($) $ in Millions		Mar. 31, 2024		Dec. 31, 2023
Assets
Net loans and leases		$ 120,487	[1]	$ 119,727
Other assets	[1]	5,310		5,150
Total assets		193,519		189,368
Liabilities
Long-term debt		14,894	[1]	12,394
Other liabilities	[1]	5,845		5,726
Total liabilities		174,146		169,970
Consolidated VIE
Assets
Net loans and leases		1,537		0
Other assets		136		82
Total assets		1,673		82
Liabilities
Long-term debt		1,401		0
Other liabilities		55		57
Total liabilities		$ 1,456		$ 57
[1] Includes VIE balances in net loans and leases and long-term debt of $1.5 billion and $1.4 billion, respectively, at March 31, 2024, and VIE balances in other assets of $136 million and $82 million, and other liabilities of $55 million and $57 million, at March 31, 2024 and December 31, 2023, respectively. See Note 14 - “ Variable Interest Entities ” for additional information.

VARIABLE INTEREST ENTITIES - Un

VARIABLE INTEREST ENTITIES - Unconsolidated VIEs (Details) - USD ($) $ in Millions	Mar. 31, 2024	Dec. 31, 2023
Variable Interest Entity [Line Items]
Total Assets	$ 193,519	$ 189,368
Total Liabilities	174,146	169,970
Variable Interest Entity
Variable Interest Entity [Line Items]
Total Assets	3,285	3,205
Total Liabilities	1,661	1,667
Maximum Exposure to Loss	3,271	3,191
Affordable Housing Tax Credit Partnerships | Variable Interest Entity
Variable Interest Entity [Line Items]
Total Assets	2,349	2,297
Total Liabilities	1,267	1,279
Maximum Exposure to Loss	2,349	2,297
Trust Preferred Securities | Variable Interest Entity
Variable Interest Entity [Line Items]
Total Assets	14	14
Total Liabilities	248	248
Maximum Exposure to Loss	0	0
Other Investments | Variable Interest Entity
Variable Interest Entity [Line Items]
Total Assets	922	894
Total Liabilities	146	140
Maximum Exposure to Loss	$ 922	$ 894

VARIABLE INTEREST ENTITIES - Na

VARIABLE INTEREST ENTITIES - Narrative (Details) - USD ($)	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
Variable Interest Entity [Line Items]
Loans retained by Huntington	$ 128,000,000
Affordable housing investments, impairment	0	$ 0
Consolidated VIE | Asset-backed securities
Variable Interest Entity [Line Items]
Aggregate loans	1,600,000,000
Consolidated VIE | Consumer | Automobile
Variable Interest Entity [Line Items]
Aggregate loans	$ 1,600,000,000

VARIABLE INTEREST ENTITIES - Lo

VARIABLE INTEREST ENTITIES - Low Income Housing Tax Credit Partnerships (Details) - Variable Interest Entity - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023	Dec. 31, 2023
Affordable Housing Tax Credit Partnerships
Variable Interest Entity [Line Items]
Affordable housing tax credit investments	$ 3,450		$ 3,335
Less: amortization	(1,101)		(1,038)
Net affordable housing tax credit investments	2,349		2,297
Unfunded commitments	1,267		$ 1,279
Tax credits and other tax benefits recognized	76	$ 66
Proportional Amortization Method
Variable Interest Entity [Line Items]
Proportional amortization expense included in provision for income taxes	$ 63	$ 54

COMMITMENTS AND CONTINGENT LI_3

COMMITMENTS AND CONTINGENT LIABILITIES - Commitments to Extend Credit (Details) - USD ($) $ in Millions	Mar. 31, 2024	Dec. 31, 2023
Commercial
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Contract amount represents credit risk	$ 32,531	$ 32,344
Consumer
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Contract amount represents credit risk	19,916	19,270
Commercial real estate
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Contract amount represents credit risk	2,238	2,543
Standby letters of credit
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Contract amount represents credit risk	736	814
Commercial | Commercial letters of credit
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Contract amount represents credit risk	$ 7	$ 9

COMMITMENTS AND CONTINGENT LI_4

COMMITMENTS AND CONTINGENT LIABILITIES - Narrative (Details) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2024	Dec. 31, 2023
Loss Contingencies [Line Items]
Bond expiration period	2 years
Maximum amount guaranteed	$ 79	$ 79
Standby letters of credit
Loss Contingencies [Line Items]
Carrying amount of deferred revenue associated with guarantees	13	$ 9
Minimum
Loss Contingencies [Line Items]
Aggregate range of reasonably possible losses current legal proceedings	0
Maximum
Loss Contingencies [Line Items]
Aggregate range of reasonably possible losses current legal proceedings	$ 20

SEGMENT REPORTING (Details)

SEGMENT REPORTING (Details) $ in Millions	3 Months Ended
	Mar. 31, 2024 USD ($) reporting_segment	Mar. 31, 2023 USD ($)	Dec. 31, 2023 USD ($)
Segment Reporting Information [Line Items]
Number of reporting segments | reporting_segment	2
Net interest income (loss)	$ 1,287	$ 1,409
Provision for credit losses	107	85
Noninterest income	467	512
Noninterest expense	1,137	1,086
Provision (benefit) for income taxes	86	144
Income attributable to non-controlling interest	5	4
Net income attributable to Huntington	419	602
Total Assets	193,519		$ 189,368
Total deposits	153,225		151,230
Operating Segments | Consumer & Business Banking
Segment Reporting Information [Line Items]
Net interest income (loss)	956	871
Provision for credit losses	46	46
Noninterest income	308	344
Noninterest expense	777	754
Provision (benefit) for income taxes	93	87
Income attributable to non-controlling interest	0	0
Net income attributable to Huntington	348	328
Total Assets	73,340		73,082
Total deposits	112,032		110,157
Operating Segments | Commercial Banking
Segment Reporting Information [Line Items]
Net interest income (loss)	523	541
Provision for credit losses	61	39
Noninterest income	145	156
Noninterest expense	294	278
Provision (benefit) for income taxes	66	80
Income attributable to non-controlling interest	5	4
Net income attributable to Huntington	242	296
Total Assets	63,365		63,377
Total deposits	35,619		35,466
Treasury / Other
Segment Reporting Information [Line Items]
Net interest income (loss)	(192)	(3)
Provision for credit losses	0	0
Noninterest income	14	12
Noninterest expense	66	54
Provision (benefit) for income taxes	(73)	(23)
Income attributable to non-controlling interest	0	0
Net income attributable to Huntington	(171)	$ (22)
Total Assets	56,814		52,909
Total deposits	$ 5,574		$ 5,607