Huntington Bancshares (HBAN) 10-Q 30 Jul 24 2024 Q2 Quarterly report Financial data

Cover Page

Cover Page	6 Months Ended
	Jun. 30, 2024 shares
Entity Information [Line Items]
Document Type	10-Q
Document Quarterly Report	true
Document Period End Date	Jun. 30, 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	1,452,432,838
Entity Central Index Key	0000049196
Amendment Flag	false
Document Fiscal Year Focus	2024
Document Fiscal Period Focus	Q2
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 (Un

Consolidated Balance Sheets (Unaudited) - USD ($) $ in Millions		Jun. 30, 2024	Dec. 31, 2023
Assets
Cash and due from banks		$ 1,333	$ 1,558
Interest-earning deposits with banks		11,450	8,765
Trading account securities		154	125
Available-for-sale securities		27,454	25,305
Held-to-maturity securities		15,036	15,750
Other securities		844	725
Loans held for sale		668	516
Loans and leases		124,422	121,982
Allowance for loan and lease losses		(2,304)	(2,255)
Net loans and leases	[1]	122,118	119,727
Bank owned life insurance		2,775	2,759
Accrued income and other receivables		1,591	1,646
Premises and equipment		1,095	1,109
Goodwill		5,561	5,561
Servicing rights and other intangible assets		673	672
Other assets	[1]	5,558	5,150
Total assets		196,310	189,368
Liabilities
Demand deposits—noninterest-bearing		28,636	30,967
Interest-bearing		125,731	120,263
Total deposits		154,367	151,230
Short-term borrowings		187	620
Long-term debt	[1]	16,461	12,394
Other liabilities	[1]	5,732	5,726
Total liabilities		176,747	169,970
Commitments and Contingent Liabilities (Note 15)
Shareholders’ Equity
Preferred stock		2,394	2,394
Common stock		15	15
Capital surplus		15,425	15,389
Less treasury shares, at cost		(90)	(91)
Accumulated other comprehensive income (loss)		(2,911)	(2,676)
Retained earnings		4,682	4,322
Total Huntington shareholders’ equity		19,515	19,353
Non-controlling interest		48	45
Total equity		19,563	19,398
Total liabilities and equity		$ 196,310	$ 189,368
Common shares authorized (in shares)		2,250,000,000	2,250,000,000
Common share outstanding (in shares)		1,452,432,838	1,448,319,953
Treasury shares outstanding (in shares)		7,322,727	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] Includes VIE balances in net loans and leases and long-term debt of $1.4 billion and $1.3 billion, respectively, at June 30, 2024, and VIE balances in other assets of $173 million and $82 million, and other liabilities of $63 million and $57 million, at June 30, 2024 and December 31, 2023, respectively. See Note 14 - “ Variable Interest Entities ” for additional information.

Consolidated Balance Sheets (_2

Consolidated Balance Sheets (Unaudited) (Parenthetical) - USD ($) $ in Millions		Jun. 30, 2024	Dec. 31, 2023
Assets
Loans held for sale, fair value		$ 659	$ 506
Loans and leases, fair value		175	174
Long-term debt, fair value		$ 480	$ 0
Shareholders’ Equity
Common stock, par value (in usd per share)		$ 0.01	$ 0.01
Net loans and leases	[1]	$ 122,118	$ 119,727
Long-term debt	[1]	16,461	12,394
Other assets	[1]	5,558	5,150
Other liabilities	[1]	5,732	5,726
Consolidated VIE
Net loans and leases		1,389	0
Long-term debt		1,265	0
Other assets		173	82
Other liabilities		$ 63	$ 57
[1] Includes VIE balances in net loans and leases and long-term debt of $1.4 billion and $1.3 billion, respectively, at June 30, 2024, and VIE balances in other assets of $173 million and $82 million, and other liabilities of $63 million and $57 million, at June 30, 2024 and December 31, 2023, respectively. See Note 14 - “ Variable Interest Entities ” for additional information.

Consolidated Statements of Inco

Consolidated Statements of Income (Unaudited) - USD ($) shares in Thousands, $ in Millions	3 Months Ended		6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Interest and fee income:
Loans and leases	$ 1,859	$ 1,679	$ 3,668	$ 3,258
Available-for-sale securities
Taxable	322	252	618	484
Tax-exempt	27	26	54	49
Held-to-maturity securities—taxable	93	102	188	204
Other securities—taxable	10	11	19	21
Other	165	155	309	237
Total interest income	2,476	2,225	4,856	4,253
Interest expense:
Deposits	907	570	1,764	976
Short-term borrowings	19	74	38	134
Long-term debt	238	235	455	388
Total interest expense	1,164	879	2,257	1,498
Net interest income	1,312	1,346	2,599	2,755
Provision for credit losses	100	92	207	177
Net interest income after provision for credit losses	1,212	1,254	2,392	2,578
Payments and cash management revenue	154	146	300	283
Wealth and asset management revenue	90	83	178	163
Customer deposit and loan fees	83	76	160	152
Capital markets and advisory fees	73	62	129	127
Leasing revenue	19	25	41	51
Mortgage banking income	30	33	61	59
Insurance income	18	18	37	37
Bank owned life insurance income	17	16	33	32
Gain on sale of loans	2	8	7	11
Net gains (losses) on sales of securities	0	(5)	0	(4)
Other noninterest income	5	33	12	96
Total noninterest income	491	495	958	1,007
Personnel costs	663	613	1,302	1,262
Outside data processing and other services	165	148	331	299
Deposit and other insurance expense	25	23	79	43
Equipment	62	64	132	128
Net occupancy	51	54	108	114
Marketing	27	32	55	57
Professional services	26	21	51	37
Amortization of intangibles	12	13	24	26
Lease financing equipment depreciation	4	8	8	16
Other noninterest expense	82	74	164	154
Total noninterest expense	1,117	1,050	2,254	2,136
Income before income taxes	586	699	1,096	1,449
Provision for income taxes	106	134	192	278
Income after income taxes	480	565	904	1,171
Income attributable to non-controlling interest	6	6	11	10
Net income attributable to Huntington	474	559	893	1,161
Dividends on preferred shares	35	40	71	69
Net income available to common shareholders, basic	$ 439	$ 519	$ 822	$ 1,092
Average common shares—basic (in shares)	1,451,207	1,446,372	1,449,850	1,444,820
Average common shares—diluted (in shares)	1,474,259	1,465,720	1,473,797	1,467,500
Per common share:
Net income—basic (in usd per share)	$ 0.30	$ 0.36	$ 0.57	$ 0.76
Net income—diluted (in usd per share)	$ 0.30	$ 0.35	$ 0.56	$ 0.74

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income (Unaudited) - USD ($) $ in Millions	3 Months Ended		6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Statement of Comprehensive Income [Abstract]
Net income attributable to Huntington	$ 474	$ 559	$ 893	$ 1,161
Other comprehensive income (loss), net of tax:
Net unrealized gains (losses) on available-for-sale securities	(70)	(83)	(198)	71
Net change related to cash flow hedges on loans	37	(169)	(36)	20
Translation adjustments, net of hedges	0	1	(2)	1
Change in accumulated unrealized gains for pension and other post-retirement obligations	1	0	1	0
Other comprehensive income (loss), net of tax	(32)	(251)	(235)	92
Comprehensive income attributable to Huntington	442	308	658	1,253
Comprehensive income attributed to non-controlling interest	6	6	11	10
Comprehensive income	$ 448	$ 314	$ 669	$ 1,263

Consolidated Statements of Chan

Consolidated Statements of Changes in Shareholders' Equity (Unaudited) - 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	1,171	1,161						1,161	10
Other comprehensive income (loss), net of tax	92	92					92
Net proceeds from issuance of Series J preferred stock	317	317	317
Cash dividends declared:
Common	(456)	(456)						(456)
Preferred	(69)	(69)						(69)
Recognition of the fair value of share-based compensation	48	48			48
Other share-based compensation activity (in shares)				5,922,000
Other share-based compensation activity	(24)	(24)		$ 1	(22)			(3)
Other (in shares)						(1,108,000)
Other	(10)	(12)				$ (12)		0	2
Balance, end of period at Jun. 30, 2023	18,838	18,788	2,484	$ 15	15,335	$ (92)	(3,006)	4,052	50
Balance, end of period, common stock (in shares) at Jun. 30, 2023				1,455,312,000
Balance, end of period, treasury stock (in shares) at Jun. 30, 2023						(7,430,000)
Balance, beginning of period at Mar. 31, 2023	18,811	18,758	2,484	$ 15	15,332	$ (82)	(2,755)	3,764	53
Balance, beginning of period, common stock (in shares) at Mar. 31, 2023				1,450,080,000
Balance, beginning of period, treasury stock (in shares) at Mar. 31, 2023						(6,465,000)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	565	559						559	6
Other comprehensive income (loss), net of tax	(251)	(251)					(251)
Cash dividends declared:
Common	(228)	(228)						(228)
Preferred	(40)	(40)						(40)
Recognition of the fair value of share-based compensation	23	23			23
Other share-based compensation activity (in shares)				5,232,000
Other share-based compensation activity	(23)	(23)		$ 0	(20)			(3)
Other (in shares)						(965,000)
Other	(19)	(10)				$ (10)			(9)
Balance, end of period at Jun. 30, 2023	18,838	18,788	2,484	$ 15	15,335	$ (92)	(3,006)	4,052	50
Balance, end of period, common stock (in shares) at Jun. 30, 2023				1,455,312,000
Balance, end of period, treasury stock (in shares) at Jun. 30, 2023						(7,430,000)
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	$ 904	893						893	11
Other comprehensive income (loss), net of tax	(235)	(235)					(235)
Cash dividends declared:
Common	(458)	(458)						(458)
Preferred	(71)	(71)						(71)
Recognition of the fair value of share-based compensation	53	53			53
Other share-based compensation activity (in shares)				4,033,000
Other share-based compensation activity	(21)	(21)		$ 0	(17)			(4)
Other (in shares)						80,000
Other	(7)	1			0	$ 1		0	(8)
Balance, end of period at Jun. 30, 2024	$ 19,563	19,515	2,394	$ 15	15,425	$ (90)	(2,911)	4,682	48
Balance, end of period, common stock (in shares) at Jun. 30, 2024	1,452,432,838			1,459,756,000
Balance, end of period, treasury stock (in shares) at Jun. 30, 2024	(7,322,727)					(7,323,000)
Balance, beginning of period at Mar. 31, 2024	$ 19,373	19,322	2,394	$ 15	15,407	$ (91)	(2,879)	4,476	51
Balance, beginning of period, common stock (in shares) at Mar. 31, 2024				1,456,668,000
Balance, beginning of period, treasury stock (in shares) at Mar. 31, 2024						(7,414,000)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	480	474						474	6
Other comprehensive income (loss), net of tax	(32)	(32)					(32)
Cash dividends declared:
Common	(230)	(230)						(230)
Preferred	(35)	(35)						(35)
Recognition of the fair value of share-based compensation	33	33			33
Other share-based compensation activity (in shares)				3,088,000
Other share-based compensation activity	(18)	(18)		$ 0	(15)			(3)
Other (in shares)						91,000
Other	(8)	1			0	$ 1			(9)
Balance, end of period at Jun. 30, 2024	$ 19,563	$ 19,515	$ 2,394	$ 15	$ 15,425	$ (90)	$ (2,911)	$ 4,682	$ 48
Balance, end of period, common stock (in shares) at Jun. 30, 2024	1,452,432,838			1,459,756,000
Balance, end of period, treasury stock (in shares) at Jun. 30, 2024	(7,322,727)					(7,323,000)

Consolidated Statements of Ch_2

Consolidated Statements of Changes in Shareholders' Equity (Unaudited) (Parenthetical) - $ / shares	3 Months Ended		6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Statement of Stockholders' Equity [Abstract]
Common dividends declared (in usd per share)	$ 0.155	$ 0.155	$ 0.31	$ 0.31

Consolidated Statements of Cash

Consolidated Statements of Cash Flows (Unaudited) - USD ($) $ in Millions		6 Months Ended
		Jun. 30, 2024	Jun. 30, 2023
Operating activities
Income after income taxes		$ 904	$ 1,171
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for credit losses		207	177
Depreciation and amortization		360	344
Share-based compensation expense		53	48
Deferred income tax (benefit) expense		(27)	38
Net change in:
Trading account securities		(29)	(109)
Loans held for sale		(190)	(79)
Other assets		(592)	(617)
Other liabilities		81	(213)
Other, net		2	0
Net cash provided by operating activities		769	760
Investing activities
Change in interest bearing deposits in banks		(24)	5
Proceeds from:
Maturities and calls of available-for-sale securities		4,677	1,060
Maturities and calls of held-to-maturity securities		699	710
Maturities and calls of other securities		27	337
Sales of available-for-sale securities		0	736
Sales of other securities		0	142
Purchases of available-for-sale securities		(7,058)	(1,549)
Purchases of held-to-maturity securities		0	(254)
Purchases of other securities		(146)	(600)
Net proceeds from sales of portfolio loans and leases		164	266
Principal payments received under direct finance and sales-type leases		896	950
Net loan and lease activity, excluding sales and purchases		(3,708)	(3,012)
Purchases of premises and equipment		(74)	(57)
Purchases of loans and leases		(48)	(25)
Net accrued income and other receivables activity		100	116
Other, net		41	43
Net cash used in investing activities		(4,454)	(1,132)
Financing activities
Increase in deposits		3,137	114
Decrease in short-term borrowings		(699)	(207)
Net proceeds from issuance of long-term debt		5,306	13,594
Maturity/redemption of long-term debt		(1,081)	(8,536)
Dividends paid on preferred stock		(71)	(57)
Dividends paid on common stock		(451)	(449)
Net proceeds from issuance of preferred stock		0	317
Other, net		(39)	(29)
Net cash provided by financing activities		6,102	4,747
Increase in cash and cash equivalents		2,417	4,375
Cash and cash equivalents at beginning of period (1)	[1]	10,129	6,704
Cash and cash equivalents at end of period (1)	[1]	12,546	11,079
Supplemental disclosures:
Interest paid		2,209	1,433
Income taxes paid		92	93
Non-cash activities
Loans transferred to held-for-sale from portfolio		164	246
Loans transferred to portfolio from held-for-sale		$ 17	$ 12
[1] Includes cash and due from banks and interest-earning deposits at the Federal Reserve Bank, included within interest-earning deposits with banks on our Unaudited Consolidated Balance Sheets.

BASIS OF PRESENTATION

BASIS OF PRESENTATION	6 Months Ended
	Jun. 30, 2024
Organization, Consolidation and Presentation of Financial Statements [Abstract]
BASIS OF PRESENTATION	BASIS OF PRESENTATION The accompanying interim 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 interim 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 interim 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	6 Months Ended
	Jun. 30, 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 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 Consolidated Financial Statements. ASU 2023-09 - Income Taxes (Topic 740): Improvements to Income Tax Disclosures • Requires a tabular rate reconciliation using both percentages and reporting currency amounts between the reported amount of income tax expense (or benefit) to the amount of statutory federal income tax at current rates for specified categories using specified disaggregation criteria. • The amount of net income taxes paid for federal, state, and foreign taxes, as well as the amount paid to any jurisdiction that net taxes exceed a 5% quantitative threshold. • The amendments will require the disclosure of pre-tax income disaggregated between domestic and foreign, as well as income tax expense disaggregated by federal, state, and foreign. • The amendment also eliminates certain disclosures related to unrecognized tax benefits and certain temporary differences. • Effective for fiscal years beginning after December 15, 2024. • Early adoption is permitted in any annual period where financial statements have not yet been issued. • The amendments should be applied on a prospective basis but retrospective application is permitted. • Huntington does not expect adoption of the standard to have a material impact on its Consolidated Financial Statements.

INVESTMENT SECURITIES AND OTHER

INVESTMENT SECURITIES AND OTHER SECURITIES	6 Months Ended
	Jun. 30, 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 June 30, 2024 Available-for-sale securities: U.S. Treasury $ 6,112 $ 1 $ (2) $ 6,111 Federal agencies: Residential CMO 3,440 — (448) 2,992 Residential MBS 12,586 1 (1,972) 10,615 Commercial MBS 2,525 — (747) 1,778 Other agencies 149 — (7) 142 Total U.S. Treasury, federal agency, and other agency securities 24,812 2 (3,176) 21,638 Municipal securities 3,556 — (178) 3,378 Private-label CMO 124 — (12) 112 Asset-backed securities 332 — (26) 306 Corporate debt 2,167 90 (247) 2,010 Other securities/sovereign debt 10 — — 10 Total available-for-sale securities $ 31,001 $ 92 $ (3,639) $ 27,454 Held-to-maturity securities: Federal agencies: Residential CMO $ 4,542 $ 1 $ (714) $ 3,829 Residential MBS 8,956 — (1,345) 7,611 Commercial MBS 1,450 — (242) 1,208 Other agencies 87 — (6) 81 Total federal agency and other agency securities 15,035 1 (2,307) 12,729 Municipal securities 1 — — 1 Total held-to-maturity securities $ 15,036 $ 1 $ (2,307) $ 12,730 Other securities, at cost: Non-marketable equity securities: Federal Home Loan Bank stock $ 276 $ — $ — $ 276 Federal Reserve Bank stock 519 — — 519 Equity securities 17 — — 17 Other securities, at fair value: Mutual funds 30 — — 30 Equity securities 1 1 — 2 Total other securities $ 843 $ 1 $ — $ 844 (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 June 30, 2024, accrued interest receivable on available-for-sale securities and held-to-maturity securities totaled $72 million and $34 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 $642 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 June 30, 2024 At December 31, 2023 (dollar amounts in millions) Amortized Fair Amortized Fair Available-for-sale securities: Under 1 year $ 5,480 $ 5,469 $ 3,380 $ 3,372 After 1 year through 5 years 3,769 3,608 2,484 2,338 After 5 years through 10 years 2,396 2,235 2,392 2,255 After 10 years 19,356 16,142 20,309 17,340 Total available-for-sale securities $ 31,001 $ 27,454 $ 28,565 $ 25,305 Held-to-maturity securities: Under 1 year $ — $ — $ 1 $ 1 After 1 year through 5 years 38 37 48 46 After 5 years through 10 years 64 60 69 66 After 10 years 14,934 12,633 15,632 13,605 Total held-to-maturity securities $ 15,036 $ 12,730 $ 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 June 30, 2024 Available-for-sale securities: U.S. Treasury $ 2,761 $ (2) $ — $ — $ 2,761 $ (2) Federal agencies: Residential CMO 223 (4) 2,769 (444) 2,992 (448) Residential MBS 273 (4) 10,253 (1,968) 10,526 (1,972) Commercial MBS — — 1,778 (747) 1,778 (747) Other agencies — — 72 (7) 72 (7) Total federal agency and other agency securities 3,257 (10) 14,872 (3,166) 18,129 (3,176) Municipal securities 848 (25) 2,422 (153) 3,270 (178) Private-label CMO — — 92 (12) 92 (12) Asset-backed securities — — 271 (26) 271 (26) Corporate debt — — 2,009 (247) 2,009 (247) Total temporarily impaired available-for-sale securities $ 4,105 $ (35) $ 19,666 $ (3,604) $ 23,771 $ (3,639) Held-to-maturity securities: Federal agencies: Residential CMO $ 202 $ (2) $ 3,416 $ (712) $ 3,618 $ (714) Residential MBS 81 (2) 7,530 (1,343) 7,611 (1,345) Commercial MBS — — 1,208 (242) 1,208 (242) Other agencies — — 81 (6) 81 (6) Total federal agency and other agency securities 283 (4) 12,235 (2,303) 12,518 (2,307) Total temporarily impaired held-to-maturity securities $ 283 $ (4) $ 12,235 $ (2,303) $ 12,518 $ (2,307) 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 June 30, 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 $37.6 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 June 30, 2024 or December 31, 2023. At June 30, 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 June 30, 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 June 30, 2024, Huntington has concluded that, except for one municipal bond classified as an AFS debt security for which a $2 million write-down was recognized during the second quarter of 2024, 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 June 30, 2024 or December 31, 2023.

LOANS AND LEASES

LOANS AND LEASES	6 Months Ended
	Jun. 30, 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 June 30, 2024 At December 31, 2023 Commercial loan and lease portfolio: Commercial and industrial $ 52,307 $ 50,657 Commercial real estate 11,933 12,422 Lease financing 5,202 5,228 Total commercial loan and lease portfolio 69,442 68,307 Consumer loan portfolio: Residential mortgage 24,069 23,720 Automobile 13,233 12,482 Home equity 10,076 10,113 RV and marine 6,042 5,899 Other consumer 1,560 1,461 Total consumer loan portfolio 54,980 53,675 Total loans and leases (1)(2) 124,422 121,982 Allowance for loan and lease losses (2,304) (2,255) Net loans and leases $ 122,118 $ 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 $354 million and $323 million at June 30, 2024 and December 31, 2023, respectively. (2) The total amount of accrued interest recorded for these loans and leases at June 30, 2024 was $325 million and $221 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 June 30, 2024 At December 31, 2023 Lease payments receivable $ 4,976 $ 4,980 Estimated residual value of leased assets 813 804 Gross investment in lease financing receivables 5,789 5,784 Deferred origination costs 54 54 Deferred fees, unearned income and other (641) (610) Total lease financing receivables $ 5,202 $ 5,228 The carrying value of residual values guaranteed was $479 million and $478 million as of June 30, 2024 and December 31, 2023, respectively. The future lease rental payments due from customers on sales-type and direct financing leases at June 30, 2024, totaled $5.0 billion and were due as follows: $557 million in 2024, $895 million in 2025, $855 million in 2026, $865 million in 2027, $875 million in 2028, and $929 million thereafter. Interest income recognized for these types of leases was $81 million and $70 million for the three-month periods ended June 30, 2024 and 2023, respectively. For the six-month periods ended June 30, 2024 and 2023, interest income recognized for these types of leases was $160 million and $138 million, respectively. Nonaccrual and Past Due Loans and Leases The following table presents NALs by class. At June 30, 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 $ 346 $ 66 $ 344 Commercial real estate 69 194 64 140 Lease financing — 13 3 14 Residential mortgage — 80 — 72 Automobile — 4 — 4 Home equity — 95 — 91 RV and marine — 1 — 2 Total nonaccrual loans and leases $ 137 $ 733 $ 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 June 30, 2024 Commercial and industrial $ 80 $ 35 $ 141 $ 256 $ 52,051 $ — $ 52,307 $ 1 (2) Commercial real estate 4 10 94 108 11,825 — 11,933 — Lease financing 40 12 5 57 5,145 — 5,202 4 Residential mortgage 218 79 187 484 23,410 175 24,069 138 (3) Automobile 88 20 11 119 13,114 — 13,233 8 Home equity 65 29 80 174 9,902 — 10,076 18 RV and marine 19 5 4 28 6,014 — 6,042 3 Other consumer 13 5 4 22 1,538 — 1,560 3 Total loans and leases $ 527 $ 195 $ 526 $ 1,248 $ 122,999 $ 175 $ 124,422 $ 175 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 June 30, 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 $ 8,164 $ 10,077 $ 7,883 $ 2,992 $ 1,870 $ 2,137 $ 15,943 $ 5 $ 49,071 OLEM 66 242 123 53 17 30 259 — 790 Substandard 205 372 495 176 101 197 900 — 2,446 Total Commercial and industrial $ 8,435 $ 10,691 $ 8,501 $ 3,221 $ 1,988 $ 2,364 $ 17,102 $ 5 $ 52,307 Commercial real estate Credit Quality Indicator (1): Pass $ 625 $ 1,246 $ 3,119 $ 1,490 $ 1,058 $ 2,134 $ 531 $ — $ 10,203 OLEM 25 25 387 173 1 81 60 — 752 Substandard 126 174 249 174 23 217 15 — 978 Total Commercial real estate $ 776 $ 1,445 $ 3,755 $ 1,837 $ 1,082 $ 2,432 $ 606 $ — $ 11,933 Lease financing Credit Quality Indicator (1): Pass $ 851 $ 1,804 $ 1,072 $ 674 $ 449 $ 221 $ — $ — $ 5,071 OLEM 1 14 16 3 6 9 — — 49 Substandard 1 17 34 12 7 11 — — 82 Total Lease financing $ 853 $ 1,835 $ 1,122 $ 689 $ 462 $ 241 $ — $ — $ 5,202 Residential mortgage Credit Quality Indicator (2): 750+ $ 802 $ 2,379 $ 4,048 $ 5,872 $ 3,167 $ 2,771 $ — $ — $ 19,039 650-749 343 651 809 840 462 855 — — 3,960 <650 21 43 98 102 64 567 — — 895 Total Residential mortgage $ 1,166 $ 3,073 $ 4,955 $ 6,814 $ 3,693 $ 4,193 $ — $ — $ 23,894 Automobile Credit Quality Indicator (2): 750+ $ 2,155 $ 1,997 $ 1,683 $ 1,230 $ 532 $ 246 $ — $ — $ 7,843 650-749 1,078 1,302 947 639 246 117 — — 4,329 <650 114 259 279 245 99 65 — — 1,061 Total Automobile $ 3,347 $ 3,558 $ 2,909 $ 2,114 $ 877 $ 428 $ — $ — $ 13,233 Home equity Credit Quality Indicator (2): 750+ $ 99 $ 376 $ 405 $ 483 $ 502 $ 228 $ 4,487 $ 227 $ 6,807 650-749 41 102 86 54 48 89 2,019 223 2,662 <650 1 5 9 5 4 43 409 131 607 Total Home equity $ 141 $ 483 $ 500 $ 542 $ 554 $ 360 $ 6,915 $ 581 $ 10,076 RV and marine Credit Quality Indicator (2): 750+ $ 605 $ 1,010 $ 897 $ 784 $ 529 $ 799 $ — $ — $ 4,624 650-749 117 317 216 224 136 258 — — 1,268 <650 1 16 20 32 22 59 — — 150 Total RV and marine $ 723 $ 1,343 $ 1,133 $ 1,040 $ 687 $ 1,116 $ — $ — $ 6,042 Other consumer Credit Quality Indicator (2): 750+ $ 160 $ 126 $ 65 $ 30 $ 14 $ 54 $ 435 $ — $ 884 650-749 66 72 30 12 3 12 393 11 599 <650 2 9 6 2 1 2 41 14 77 Total Other consumer $ 228 $ 207 $ 101 $ 44 $ 18 $ 68 $ 869 $ 25 $ 1,560 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 June 30, 2024 Commercial and industrial $ — $ 5 $ 19 $ 7 $ — $ 2 $ 10 $ — $ 43 Commercial real estate 9 1 21 1 — 18 — — 50 Lease financing — 1 1 — — — — — 2 Residential mortgage — — — — — 1 — — 1 Automobile — 4 4 3 1 2 — — 14 Home equity — — — — — — 1 1 2 RV and marine — — 1 1 1 3 — — 6 Other consumer 2 6 3 2 1 4 — 9 27 Total $ 11 $ 17 $ 49 $ 14 $ 3 $ 30 $ 11 $ 10 $ 145 Six months ended June 30, 2024 Commercial and industrial $ — $ 10 $ 30 $ 22 $ 11 $ 4 $ 20 $ 1 $ 98 Commercial real estate 9 2 30 2 — 24 — — 67 Lease financing — 1 1 1 — 1 — — 4 Residential mortgage — — — — — 2 — — 2 Automobile — 8 9 7 3 2 — — 29 Home equity — — — — — — 1 3 4 RV and marine — 1 2 3 2 6 — — 14 Other consumer 3 13 8 4 2 7 — 18 55 Total $ 12 $ 35 $ 80 $ 39 $ 18 $ 46 $ 21 $ 22 $ 273 Term Loans Gross Charge-offs by Origination Year Revolver Gross Charge-offs Revolver Converted to Term Loans Gross Charge-offs (dollar amounts in millions) 2023 2022 2021 2020 2019 Prior Total Three months ended June 30, 2023 Commercial and industrial $ 1 $ 4 $ 14 $ — $ 8 $ 10 $ — $ 1 $ 38 Commercial real estate — 3 — — 5 5 — — 13 Lease Financing — 1 1 — — — — — 2 Residential mortgage — — — — — 1 — — 1 Automobile — 3 4 2 2 — — — 11 Home equity — — — — — 1 — 1 2 RV and marine — 1 — — — 3 — — 4 Other consumer 2 5 3 2 2 1 — 6 21 Total $ 3 $ 17 $ 22 $ 4 $ 17 $ 21 $ — $ 8 $ 92 Six months ended June 30, 2023 Commercial and industrial $ 2 $ 18 $ 17 $ 6 $ 12 $ 10 $ 4 $ 1 $ 70 Commercial real estate — 3 19 — 5 5 — — 32 Lease financing — 1 1 — — 1 — — 3 Residential mortgage — — 1 — — 2 — — 3 Automobile — 6 8 4 3 2 — — 23 Home equity — — — — — 1 1 2 4 RV and marine — 1 1 1 1 4 — — 8 Other consumer 3 13 8 3 3 5 — 13 48 Total $ 5 $ 42 $ 55 $ 14 $ 24 $ 30 $ 5 $ 16 $ 191 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 June 30, 2024 Commercial and industrial $ 34 $ 116 $ — $ 41 $ 191 0.37 % Commercial real estate — 184 — 14 198 1.66 Residential mortgage — 15 1 1 17 0.07 Automobile — 4 — — 4 0.03 Home equity — 2 — 2 4 0.04 Other consumer 1 — — — 1 0.06 Total loans to borrowers experiencing financial difficulty in which modifications were made $ 35 $ 321 $ 1 $ 58 $ 415 0.33 % Three months ended June 30, 2023 Commercial and industrial $ — $ 138 $ — $ — $ 138 0.28 % Commercial real estate — 134 — — 134 1.02 Residential mortgage — 12 2 1 15 0.06 Automobile — 4 — 1 5 0.04 Home equity — 1 — 3 4 0.04 Other consumer 1 — — — 1 0.07 Total loans to borrowers experiencing financial difficulty in which modifications were made $ 1 $ 289 $ 2 $ 5 $ 297 0.26 % Six months ended June 30, 2024 Commercial and industrial $ 84 $ 144 $ — $ 42 $ 270 0.52 % Commercial real estate — 198 — 14 212 1.78 Residential mortgage — 23 4 1 28 0.12 Automobile — 7 — 1 8 0.06 Home equity — 3 — 6 9 0.09 Other consumer 1 — — — 1 0.06 Total loans to borrowers experiencing financial difficulty in which modifications were made $ 85 $ 375 $ 4 $ 64 $ 528 0.42 % Six months ended June 30, 2023 Commercial and industrial $ 35 $ 198 $ — $ 3 $ 236 0.47 % Commercial real estate — 148 — — 148 1.12 Residential mortgage — 35 2 2 39 0.17 Automobile — 7 — 1 8 0.06 Home equity — 1 — 5 6 0.06 RV and marine — 1 — — 1 0.02 Other consumer 1 — — — 1 0.07 Total loans to borrowers experiencing financial difficulty in which modifications were made $ 36 $ 390 $ 2 $ 11 $ 439 0.38 % (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 June 30, 2024 Commercial and industrial 8.46 % 8.21 % 0.7 Commercial real estate 7.98 % 7.85 % 0.4 Residential mortgage 7.4 Three months ended June 30, 2023 Commercial and industrial 0.7 Commercial real estate 0.5 Residential mortgage 8.8 Six months ended June 30, 2024 Commercial and industrial 8.40 % 7.57 % 0.8 Commercial real estate 7.98 % 7.85 % 0.4 Residential mortgage 7.6 Automobile 1.6 Home equity 9.28 % 6.69 % 12.9 Six months ended June 30, 2023 Commercial and industrial 7.68 % 6.94 % 0.9 Commercial real estate 0.5 Residential mortgage 7.2 Automobile 2.0 Home equity 8.37 % 5.86 % 15.5 (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. Past Due (dollar amounts in millions) 30-59 60-89 90 or Total Current Total At June 30, 2024 Commercial and industrial $ 16 $ 1 $ 7 $ 24 $ 396 $ 420 Commercial real estate — — 4 4 244 248 Residential mortgage 9 6 8 23 29 52 Automobile 2 1 — 3 12 15 Home equity 1 1 2 4 11 15 RV and marine — — — — 1 1 Other consumer — — — — 2 2 Total loans to borrowers experiencing financial difficulty in which modifications were made in the twelve months ended June 30, 2024 $ 28 $ 9 $ 21 $ 58 $ 695 $ 753 At June 30, 2023 (1) Commercial and industrial $ 1 $ 1 $ — $ 2 $ 234 $ 236 Commercial real estate — — — — 148 148 Residential mortgage 7 3 4 14 25 39 Automobile 1 — — 1 7 8 Home equity 1 — — 1 5 6 RV and marine — — — — 1 1 Other consumer — — — — 1 1 Total loans to borrowers experiencing financial difficulty in which modifications were made in the six months ended June 30, 2023 (1) $ 10 $ 4 $ 4 $ 18 $ 421 $ 439 (1) Huntington adopted ASU 2022-02 - Financial Instruments - Credit Losses (Topic 326): Troubled Debt Restructurings and Vintage Disclosures effective January 1, 2023, therefore, the June 30, 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 June 30, 2024 and December 31, 2023, loans and leases totaling $101.2 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	6 Months Ended
	Jun. 30, 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 June 30, 2024 ALLL balance, beginning of period $ 1,589 $ 691 $ 2,280 Loan and lease charge-offs (95) (50) (145) Recoveries of loans and leases previously charged-off 38 17 55 Provision for loan and lease losses 55 59 114 ALLL balance, end of period $ 1,587 $ 717 $ 2,304 AULC balance, beginning of period $ 69 $ 66 $ 135 Provision (benefit) for unfunded lending commitments (5) (11) (16) AULC balance, end of period $ 64 $ 55 $ 119 ACL balance, end of period $ 1,651 $ 772 $ 2,423 Three months ended June 30, 2023 ALLL balance, beginning of period $ 1,457 $ 685 $ 2,142 Loan and lease charge-offs (53) (39) (92) Recoveries of loans and leases previously charged-off 26 17 43 Provision for loan and lease losses 53 31 84 ALLL balance, end of period $ 1,483 $ 694 $ 2,177 AULC balance, beginning of period $ 75 $ 82 $ 157 Provision for unfunded lending commitments 3 5 8 AULC balance, end of period $ 78 $ 87 $ 165 ACL balance, end of period $ 1,561 $ 781 $ 2,342 (dollar amounts in millions) Commercial Consumer Total Six months ended June 30, 2024 ALLL balance, beginning of period $ 1,563 $ 692 $ 2,255 Loan and lease charge-offs (169) (104) (273) Recoveries of loans and leases previously charged-off 57 34 91 Provision for loan and lease losses 136 95 231 ALLL balance, end of period $ 1,587 $ 717 $ 2,304 AULC balance, beginning of period $ 66 $ 79 $ 145 Provision (benefit) for unfunded lending commitments (2) (24) (26) AULC balance, end of period $ 64 $ 55 $ 119 ACL balance, end of period $ 1,651 $ 772 $ 2,423 Six months ended June 30, 2023 ALLL balance, beginning of period $ 1,424 $ 697 $ 2,121 Loan and lease charge-offs (105) (86) (191) Recoveries of loans and leases previously charged-off 49 36 85 Provision for loan and lease losses 115 47 162 ALLL balance, end of period $ 1,483 $ 694 $ 2,177 AULC balance, beginning of period $ 71 $ 79 $ 150 Provision for unfunded lending commitments 7 8 15 AULC balance, end of period $ 78 $ 87 $ 165 ACL balance, end of period $ 1,561 $ 781 $ 2,342 At June 30, 2024, the ACL was $2.4 billion, a marginal increase of $23 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 June 30, 2024 and $1.6 billion at December 31, 2023. The increase of $22 million since year end was primarily due to loan growth in the commercial portfolio. The consumer ACL was $772 million, at June 30, 2024, relatively consistent compared to $771 million at December 31, 2023. The baseline economic scenario used in the June 30, 2024 ACL determination projected the Federal Reserve to complete two 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 2027. Inflation is forecasted to approach the Federal Reserve’s target level of 2% by the end 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	6 Months Ended
	Jun. 30, 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 Six Months Ended (dollar amounts in millions) June 30, 2024 June 30, 2023 June 30, 2024 June 30, 2023 Residential mortgage loans sold with servicing retained $ 983 $ 1,117 $ 1,794 $ 1,979 Pretax gains resulting from above loan sales (1) 19 15 32 22 Total servicing, late, and other ancillary fees (1) 25 24 51 48 (1) Included in mortgage banking income. The following table summarizes the changes in MSRs recorded using the fair value method. Three Months Ended Six Months Ended (dollar amounts in millions) June 30, 2024 June 30, 2023 June 30, 2024 June 30, 2023 Fair value, beginning of period $ 534 $ 485 $ 515 $ 494 New servicing assets created 11 18 21 31 Change in fair value during the period due to: Time decay (1) (7) (6) (13) (12) Payoffs (2) (7) (7) (12) (11) Changes in valuation inputs or assumptions (3) 12 15 32 3 Fair value, end of period $ 543 $ 505 $ 543 $ 505 Loans serviced for third parties, unpaid principal balance, end of period $ 33,404 $ 32,712 $ 33,404 $ 32,712 (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 June 30, 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) 8.48 % $ (15) $ (29) 8.61 % $ (15) $ (28) Spread over forward interest rate swap rates 523 bps (11) (22) 538 bps (11) (22)

BORROWINGS

BORROWINGS	6 Months Ended
	Jun. 30, 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 June 30, 2024 At December 31, 2023 Securities sold under agreements to repurchase $ 133 $ 618 Other borrowings 54 2 Total short-term borrowings $ 187 $ 620 The carrying value of assets pledged as collateral against repurchase agreements totaled $156 million and $840 million as of June 30, 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 June 30, 2024 At December 31, 2023 The Parent Company: Senior Notes $ 5,409 $ 4,233 Subordinated Notes 745 760 Total notes issued by the parent 6,154 4,993 The Bank: Senior Notes 2,700 3,480 Subordinated Notes 664 662 Total notes issued by the bank 3,364 4,142 FHLB Advances 4,686 2,731 Auto Loan Securitization Trust (1) 1,265 — Credit Linked Notes 480 — Other 512 528 Total long-term debt $ 16,461 $ 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. During the second quarter of 2024, the Bank completed a CLN transaction whereby it issued $478 million of unsecured credit linked notes to third-party investors. There are five classes of notes, each maturing on May 20, 2032. One note class bears interest at a fixed rate of 6.153% and the remaining four note classes bear interest at SOFR plus a spread rate that ranges from 1.40% to 8.25% (weighted average spread of 3.04%). As of June 30, 2024, the weighted average contractual interest rate on the CLNs was 6.98%. Huntington has elected the fair value option for these notes. See Note 12 - “ Fair Values of Assets and Liabilities

OTHER COMPREHENSIVE INCOME

OTHER COMPREHENSIVE INCOME	6 Months Ended
	Jun. 30, 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 June 30, 2024 Unrealized losses on available-for-sale securities arising during the period, net of hedges $ (93) $ 21 $ (72) Reclassification adjustment for realized net losses included in net income 2 — 2 Total unrealized losses on available-for-sale securities, net of hedges (91) 21 (70) Unrealized losses on cash flow hedges during the period (20) 5 (15) Reclassification adjustment for cash flow hedges included in net income 68 (16) 52 Net change related to cash flow hedges on loans 48 (11) 37 Change in accumulated unrealized gains for pension and other post-retirement obligations 1 — 1 Other comprehensive loss $ (42) $ 10 $ (32) Three months ended June 30, 2023 Unrealized losses on available-for-sale securities arising during the period, net of hedges $ (143) $ 33 $ (110) Reclassification adjustment for realized net losses included in net income 35 (8) 27 Total unrealized losses on available-for-sale securities, net of hedges (108) 25 (83) Unrealized losses on cash flow hedges during the period (266) 65 (201) Reclassification adjustment for cash flow hedges included in net income 34 (2) 32 Net change related to cash flow hedges on loans (232) 63 (169) Translation adjustments, net of hedges (1) 1 — 1 Other comprehensive loss $ (339) $ 88 $ (251) Six months ended June 30, 2024 Unrealized losses on available-for-sale securities arising during the period, net of hedges $ (263) $ 61 $ (202) Reclassification adjustment for realized net losses included in net income 5 (1) 4 Total unrealized losses on available-for-sale securities, net of hedges (258) 60 (198) Unrealized losses on cash flow hedges during the period (181) 42 (139) Reclassification adjustment for cash flow hedges included in net income 135 (32) 103 Net change related to cash flow hedges on loans (46) 10 (36) Translation adjustments, net of hedges (1) (2) — (2) Change in accumulated unrealized gains for pension and other post-retirement obligations 1 — 1 Other comprehensive loss $ (305) $ 70 $ (235) Six months ended June 30, 2023 Unrealized gains on available-for-sale securities arising during the period, net of hedges $ 54 $ (12) $ 42 Reclassification adjustment for realized net losses included in net income 38 (9) 29 Total unrealized gains on available-for-sale securities 92 (21) 71 Unrealized losses on cash flow hedges during the period (35) 12 (23) Reclassification adjustment for cash flow hedges included in net income 46 (3) 43 Net change related to cash flow hedges on loans 11 9 20 Translation adjustments, net of hedges (1) 1 — 1 Other comprehensive income $ 104 $ (12) $ 92 (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 June 30, 2024 Balance, beginning of period $ (2,222) $ (436) $ (8) $ (213) $ (2,879) Other comprehensive loss before reclassifications (72) (15) — — (87) Amounts reclassified from accumulated OCI to earnings 2 52 — 1 55 Period change (70) 37 — 1 (32) Balance, end of period $ (2,292) $ (399) $ (8) $ (212) $ (2,911) Three months ended June 30, 2023 Balance, beginning of period $ (2,094) $ (443) $ (8) $ (210) $ (2,755) Other comprehensive income (loss) before reclassifications (110) (201) 1 — (310) Amounts reclassified from accumulated OCI to earnings 27 32 — — 59 Period change (83) (169) 1 — (251) Balance, end of period $ (2,177) $ (612) $ (7) $ (210) $ (3,006) Six months ended June 30, 2024 Balance, beginning of period $ (2,094) $ (363) $ (6) $ (213) $ (2,676) Other comprehensive loss before reclassifications (202) (139) (2) — (343) Amounts reclassified from accumulated OCI to earnings 4 103 — 1 108 Period change (198) (36) (2) 1 (235) Balance, end of period $ (2,292) $ (399) $ (8) $ (212) $ (2,911) Six months ended June 30, 2023 Balance, beginning of period $ (2,248) $ (632) $ (8) $ (210) $ (3,098) Other comprehensive income (loss) before reclassifications 42 (23) 1 — 20 Amounts reclassified from accumulated OCI to earnings 29 43 — — 72 Period change 71 20 1 — 92 Balance, end of period $ (2,177) $ (612) $ (7) $ (210) $ (3,006) (1) AOCI amounts at June 30, 2024 and June 30, 2023 include $54 million and $62 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	6 Months Ended
	Jun. 30, 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 June 30, 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 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 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 $25,000, plus any declared and unpaid dividends. The following table presents the dividends declared for each series of Preferred shares. Three Months Ended Six Months Ended (amounts in millions, except per share data) June 30, 2024 June 30, 2023 June 30, 2024 June 30, 2023 Cash Dividend Declared Per Share Cash Dividend Declared Per Share Cash Dividend Declared Per Share Cash Dividend Declared Per Share Preferred Series Amount ($) Amount ($) Amount ($) Amount ($) Series B $ 20.73 $ — $ 19.90 $ — $ 41.42 $ 1 $ 38.72 $ 1 Series E 2,141.07 9 2,035.07 10 4,254.97 17 3,460.07 17 Series F 1,406.25 7 1,406.25 7 2,812.50 14 2,812.50 14 Series G 1,112.50 5 1,112.50 6 2,225.00 11 2,225.00 12 Series H 11.25 6 11.25 6 22.50 12 22.50 12 Series I 356.25 3 356.25 3 712.50 5 712.50 5 Series J 17.19 5 24.64 8 34.38 11 24.64 8 Total $ 35 $ 40 $ 71 $ 69

EARNINGS PER SHARE

EARNINGS PER SHARE	6 Months Ended
	Jun. 30, 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 Six Months Ended (dollar amounts in millions, except per share data, share count in thousands) June 30, 2024 June 30, 2023 June 30, 2024 June 30, 2023 Basic earnings per common share: Net income attributable to Huntington $ 474 $ 559 $ 893 $ 1,161 Preferred stock dividends 35 40 71 69 Net income available to common shareholders $ 439 $ 519 $ 822 $ 1,092 Average common shares issued and outstanding 1,451,207 1,446,372 1,449,850 1,444,820 Basic earnings per common share $ 0.30 $ 0.36 $ 0.57 $ 0.76 Diluted earnings per common share: Average dilutive potential common shares: Stock options and restricted stock units and awards 15,407 12,212 16,401 15,913 Shares held in deferred compensation plans 7,645 7,136 7,546 6,767 Average dilutive potential common shares 23,052 19,348 23,947 22,680 Total diluted average common shares issued and outstanding 1,474,259 1,465,720 1,473,797 1,467,500 Diluted earnings per common share $ 0.30 $ 0.35 $ 0.56 $ 0.74 Anti-dilutive awards (1) 7,319 15,413 8,380 12,226 (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	6 Months Ended
	Jun. 30, 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 Six Months Ended Noninterest income June 30, 2024 June 30, 2023 June 30, 2024 June 30, 2023 Noninterest income from contracts with customers $ 360 $ 332 $ 696 $ 709 Noninterest income within the scope of other GAAP topics 131 163 262 298 Total noninterest income $ 491 $ 495 $ 958 $ 1,007 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 June 30, 2024 Payments and cash management revenue $ 114 $ 28 $ — $ 142 Wealth and asset management revenue 88 2 — 90 Customer deposit and loan fees 53 3 — 56 Capital markets and advisory fees 7 36 — 43 Leasing revenue — 10 — 10 Insurance income 16 2 — 18 Other noninterest income 2 — (1) 1 Net revenue from contracts with customers 280 81 (1) 360 Noninterest income within the scope of other GAAP topics 42 83 6 131 Total noninterest income $ 322 $ 164 $ 5 $ 491 Three months ended June 30, 2023 Payments and cash management revenue $ 109 $ 25 $ — $ 134 Wealth and asset management revenue 76 7 — 83 Customer deposit and loan fees 51 1 — 52 Capital markets and advisory fees 5 23 — 28 Leasing revenue 1 13 — 14 Insurance income 15 3 — 18 Other noninterest income 1 3 (1) 3 Net revenue from contracts with customers 258 75 (1) 332 Noninterest income within the scope of other GAAP topics 44 92 27 163 Total noninterest income $ 302 $ 167 $ 26 $ 495 Six months ended June 30, 2024 Payments and cash management revenue $ 221 $ 55 $ — $ 276 Wealth and asset management revenue 173 5 — 178 Customer deposit and loan fees 103 7 — 110 Capital markets and advisory fees 11 61 — 72 Leasing revenue 1 19 — 20 Insurance income 32 5 — 37 Other noninterest income 4 — (1) 3 Net revenue from contracts with customers 545 152 (1) 696 Noninterest income within the scope of other GAAP topics 85 157 20 262 Total noninterest income $ 630 $ 309 $ 19 $ 958 Six months ended June 30, 2023 Payments and cash management revenue $ 209 $ 50 $ — $ 259 Wealth and asset management revenue 155 8 — 163 Customer deposit and loan fees 97 2 — 99 Capital markets and advisory fees 8 53 — 61 Leasing revenue 1 27 — 28 Insurance income 32 5 — 37 Other noninterest income 60 3 (1) 62 Net revenue from contracts with customers 562 148 (1) 709 Noninterest income within the scope of other GAAP topics 84 175 39 298 Total noninterest income $ 646 $ 323 $ 38 $ 1,007 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 June 30, 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 June 30, 2024 was determined to be immaterial.

FAIR VALUES OF ASSETS AND LIABI

FAIR VALUES OF ASSETS AND LIABILITIES	6 Months Ended
	Jun. 30, 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, with the exception of the below described long-term debt elected to be accounted for at fair value in the three-month period ended June 30, 2024. Assets and liabilities measured at fair value rarely transfer between Level 1 and Level 2 measurements. There were no such transfers during the three-month and six-month periods ended June 30, 2024 and 2023. In the three-month period ended June 30, 2024, Huntington elected the fair value option for CLNs structured as long-term debt. CLNs are classified as Level 2 using quoted prices for similar liabilities in active markets, quoted prices of similar liabilities in markets that are not active, and inputs that are observable for the assets, either directly or indirectly, for substantially the full term of the financial instrument. Assets and Liabilities measured at fair value on a recurring basis Fair Value Measurements at Reporting Date Using Netting Adjustments (1) At June 30, 2024 (dollar amounts in millions) Level 1 Level 2 Level 3 Assets Trading account securities: U.S. Treasury securities $ 89 $ — $ — $ — $ 89 Municipal securities — 44 — — 44 Corporate debt — 21 — — 21 Total trading account securities 89 65 — — 154 Available-for-sale securities: U.S. Treasury securities 6,111 — — — 6,111 Residential CMO — 2,992 — — 2,992 Residential MBS — 10,615 — — 10,615 Commercial MBS — 1,778 — — 1,778 Other agencies — 142 — — 142 Municipal securities — 37 3,341 — 3,378 Private-label CMO — 92 20 — 112 Asset-backed securities — 271 35 — 306 Corporate debt — 2,010 — — 2,010 Other securities/sovereign debt — 10 — — 10 Total available-for-sale securities 6,111 17,947 3,396 — 27,454 Other securities 30 2 — — 32 Loans held for sale — 659 — — 659 Loans held for investment — 115 60 — 175 MSRs — — 543 — 543 Other assets: Derivative assets — 1,637 4 (1,215) 426 Assets held in trust for deferred compensation plans 184 — — — 184 Liabilities Long-term debt — 480 — — 480 Derivative liabilities — 1,601 3 (884) 720 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 June 30, 2024 Opening balance $ 534 $ 4 $ 3,293 $ 20 $ 72 $ 58 Transfers into Level 3 — — — — — 4 Transfers out of Level 3 (1) — (6) — — — — Total gains/losses for the period: Included in earnings: Mortgage banking income 12 4 — — — — Interest and fee income — — (1) — — (1) Noninterest income — (6) — (1) — — Provision for credit losses — — (2) — — — Included in OCI — — (33) — — — Purchases/originations 11 — 228 — — — Repayments — — — — — (1) Settlements (14) 5 (144) 1 (37) — Closing balance $ 543 $ 1 $ 3,341 $ 20 $ 35 $ 60 Change in unrealized gains or losses for the period included in earnings for assets held at end of the reporting date $ 12 $ (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 — — (34) — — — Three months ended June 30, 2023 Opening balance $ 485 $ 3 $ 3,339 $ 20 $ 74 $ 15 Transfers into Level 3 — — — — — 19 Transfers out of Level 3 (1) — (8) — — — — Total gains/losses for the period: Included in earnings: Mortgage banking income 15 3 — — — — Included in OCI — — (7) — 1 — Purchases/originations 18 — 378 — — — Repayments — — — — — (1) Settlements (13) — (214) — — — Closing balance $ 505 $ (2) $ 3,496 $ 20 $ 75 $ 33 Change in unrealized gains or losses for the period included in earnings for assets held at end of the reporting date $ 15 $ (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 — — (13) — — — (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. Level 3 Fair Value Measurements Available-for-sale securities Loans held for investment (dollar amounts in millions) MSRs Derivative instruments Municipal securities Private- label CMO Asset-backed securities Six months ended June 30, 2024 Opening balance $ 515 $ (2) $ 3,335 $ 20 $ 75 $ 54 Transfers into Level 3 — — — — — 8 Transfers out of Level 3 (1) — (11) — — — — Total gains/losses for the period: Included in earnings: Mortgage banking income 32 11 — — — — Interest and fee income — — (1) (1) — (1) Noninterest income — (8) — — — — Provision for credit losses — — (2) — — — Included in OCI — — (14) — — — Purchases/originations 21 — 300 — — — Repayments — — — — — (1) Settlements (25) 11 (277) 1 (40) — Closing balance $ 543 $ 1 $ 3,341 $ 20 $ 35 $ 60 Change in unrealized gains or losses for the period included in earnings for assets held at end of the reporting date $ 32 $ — $ — $ — $ — $ — Change in unrealized gains or losses for the period included in other comprehensive income for assets held at the end of the reporting period — — (16) — — — Six months ended June 30, 2023 Opening balance $ 494 $ (2) $ 3,248 $ 20 $ 74 $ 16 Transfers into Level 3 — — — — — 19 Transfers out of Level 3 (1) — (10) — — — — Total gains/losses for the period: Included in earnings Mortgage banking income 3 10 — — — — Interest and fee income — — — (1) — — Included in OCI — — (4) — 1 — Purchases/originations 31 — 555 1 — — Repayments — — — — — (2) Settlements (23) — (303) — — — Closing balance $ 505 $ (2) $ 3,496 $ 20 $ 75 $ 33 Change in unrealized gains or losses for the period included in earnings for assets held at end of the reporting date $ 3 $ 4 $ — $ — $ — $ — Change in unrealized gains or losses for the period included in other comprehensive income for assets held at the end of the reporting period — — (10) — — — (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 that are 90 or more days past due (dollar amounts in millions) Fair value Aggregate Difference Fair value Aggregate Difference At June 30, 2024 Assets Loans held for sale $ 659 $ 645 $ 14 $ — $ — $ — Loans held for investment 175 186 (11) 2 3 (1) Liabilities Long-term debt 480 478 (2) At December 31, 2023 Assets 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 Six Months Ended (dollar amounts in millions) June 30, 2024 June 30, 2023 June 30, 2024 June 30, 2023 Loans held for sale (1) $ 4 $ — $ (3) $ — Loans held for investment (1) — (3) (1) (3) Long-term debt (2) (2) — (2) — (1) The net gains (losses) from fair value changes are included in mortgage banking income on the Unaudited Consolidated Statements of Income. (2) The net gains (losses) from fair value changes are included in other noninterest 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 Six Months Ended (dollar amounts in millions) At June 30, 2024 At December 31, 2023 June 30, 2024 June 30, 2023 June 30, 2024 June 30, 2023 Collateral-dependent loans $ 97 $ 40 $ (16) $ (1) $ (41) $ (7) 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 June 30, 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 % - 40 % 8 % 4 % - 37 % 9 % Spread over forward interest rate swap rates 4 % - 13 % 5 % 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 the 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 June 30, 2024 Financial Assets Cash and short-term assets $ 12,783 $ — $ — $ 12,783 $ 12,783 Trading account securities — — 154 154 154 Available-for-sale securities — — 27,454 27,454 27,454 Held-to-maturity securities 15,036 — — 15,036 12,730 Other securities 812 — 32 844 844 Loans held for sale — 9 659 668 668 Net loans and leases (1) 121,943 — 175 122,118 118,794 Derivative assets — — 426 426 426 Assets held in trust for deferred compensation plans — — 184 184 184 Financial Liabilities Deposits (2) 154,367 — — 154,367 154,319 Short-term borrowings 187 — — 187 187 Long-term debt 15,981 — 480 16,461 16,499 Derivative liabilities — — 720 720 720 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 June 30, 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) Estimated Fair Value (dollar amounts in millions) Level 1 Level 2 Level 3 At June 30, 2024 Financial Assets Trading account securities $ 89 $ 65 $ — $ — $ 154 Available-for-sale securities 6,111 17,947 3,396 — 27,454 Held-to-maturity securities — 12,730 — — 12,730 Other securities (2) 30 2 — — 32 Loans held for sale — 659 9 — 668 Net loans and leases — 115 118,679 — 118,794 Derivative assets — 1,637 4 (1,215) 426 Financial Liabilities Deposits — 138,159 16,160 — 154,319 Short-term borrowings — 187 — — 187 Long-term debt — 11,177 5,322 — 16,499 Derivative liabilities — 1,601 3 (884) 720 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	6 Months Ended
	Jun. 30, 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 June 30, 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 $ 44,295 $ 787 $ 744 $ 38,017 $ 868 $ 519 Foreign exchange contracts 231 1 — 222 6 — Derivatives not designated as Hedging Instruments Interest rate contracts 42,263 766 783 41,526 718 757 Foreign exchange contracts 5,576 45 35 5,257 69 76 Credit contracts 311 1 — 381 — 2 Commodities contracts 662 41 38 681 62 60 Equity contracts 727 — 4 759 — 7 Total contracts $ 94,065 $ 1,641 $ 1,604 $ 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 Six Months Ended (dollar amounts in millions) June 30, 2024 June 30, 2023 June 30, 2024 June 30, 2023 Interest rate contracts: Customer Capital markets fees $ 6 $ 10 $ 11 $ 17 Mortgage banking Mortgage banking income (12) — (23) 9 Interest rate swaptions Other noninterest income — 18 — 17 Foreign exchange contracts Capital markets fees 11 13 22 25 Credit contracts Other noninterest income (6) — (8) — Commodities contracts Capital markets fees 1 1 2 3 Equity contracts Other noninterest expense (2) (4) (4) (5) Total $ (2) $ 38 $ — $ 66 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 June 30, 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 June 30, 2024 Instruments associated with: Investment securities $ 11,649 $ — $ — $ 11,649 Loans — 20,550 175 20,725 Long-term debt 12,096 — — 12,096 Total notional value $ 23,745 $ 20,550 $ 175 $ 44,470 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 $70 million and a decrease to net interest income of $64 million for the three-month periods ended June 30, 2024, and 2023, respectively. For the six-month periods ended June 30, 2024 and 2023, the net amounts resulted in a decrease to net interest income of $138 million and $116 million, respectively. Fair Value Hedges The changes in fair value of the fair value hedges are recorded through earnings and offset against changes in the fair value of the hedged item. Huntington has designated $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 Six Months Ended (dollar amounts in millions) June 30, 2024 June 30, 2023 June 30, 2024 June 30, 2023 Interest rate contracts Change in fair value of interest rate swaps hedging investment securities (1) $ (39) $ 138 $ 32 $ (44) Change in fair value of hedged investment securities (1) 38 (139) (34) 42 Change in fair value of interest rate swaps hedging long-term debt (2) (31) (138) (159) (22) Change in fair value of hedged long term debt (2) 31 138 159 22 (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 June 30, 2024 At December 31, 2023 At June 30, 2024 At December 31, 2023 Assets Investment securities (1) $ 17,535 $ 18,241 $ (732) $ (698) Liabilities Long-term debt (2) 11,750 9,909 (274) (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 June 30, 2024, the amortized cost basis of the closed portfolios used in these hedging relationships was $16.9 billion, the cumulative basis adjustments associated with these hedging relationships was $642 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 $(63) million at June 30, 2024 and $(69) million at December 31, 2023. Cash Flow Hedges At June 30, 2024, Huntington has $20.6 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 June 30, 2024, the net losses recognized in AOCI that are expected to be reclassified into earnings within the next 12 months were $137 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 June 30, 2024 and December 31, 2023 were a net asset of $2 million and a net liability of $4 million, respectively. At June 30, 2024 and December 31, 2023, Huntington had commitments to sell residential real estate loans of $989 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 June 30, 2024 At December 31, 2023 Notional value $ 1,460 $ 1,668 Trading liabilities (51) (69) Three Months Ended Six Months Ended (dollar amounts in millions) June 30, 2024 June 30, 2023 June 30, 2024 June 30, 2023 Trading (losses) gains $ (10) $ (15) $ (29) $ (6) 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 June 30, 2024 and December 31, 2023, were $56 million and $47 million, respectively. The total notional values of derivative financial instruments used by Huntington on behalf of customers, including offsetting derivatives, were $45.4 billion and $44.5 billion at June 30, 2024 and December 31, 2023, respectively. Huntington’s credit risk from customer derivatives was $64 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 $311 million and $381 million at June 30, 2024 and December 31, 2023, respectively. The position of these derivatives was a net asset of $1 million and net liability of $2 million at June 30, 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 $351 million and $238 million at June 30, 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 June 30, 2024, Huntington pledged $104 million of investment securities and cash collateral to counterparties, while other counterparties pledged $436 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 June 30, 2024 $ 1,641 $ (1,215) $ 426 $ — $ (29) $ 397 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 June 30, 2024 $ 1,604 $ (884) $ 720 $ (21) $ (83) $ 616 At December 31, 2023 1,421 (751) 670 — (93) 577

VARIABLE INTEREST ENTITIES

VARIABLE INTEREST ENTITIES	6 Months Ended
	Jun. 30, 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 June 30, 2024 At December 31, 2023 Assets Net loans and leases $ 1,389 $ — Other assets 173 82 Total assets $ 1,562 $ 82 Liabilities Long-term borrowings $ 1,265 $ — Other liabilities 63 57 Total liabilities $ 1,328 $ 57 As part of the securitization transaction completed in the first quarter of 2024, 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 June 30, 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 June 30, 2024 Affordable Housing Tax Credit Partnerships $ 2,416 $ 1,184 $ 2,416 Trust Preferred Securities 14 248 — Other Investments 870 146 870 Total $ 3,300 $ 1,578 $ 3,286 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 June 30, 2024 At December 31, 2023 Affordable housing tax credit investments $ 3,579 $ 3,335 Less: amortization (1,163) (1,038) Net affordable housing tax credit investments $ 2,416 $ 2,297 Unfunded commitments $ 1,184 $ 1,279 The following table presents other information relating to Huntington’s affordable housing tax credit investments. Three Months Ended Six Months Ended (dollar amounts in millions) June 30, 2024 June 30, 2023 June 30, 2024 June 30, 2023 Tax credits and other tax benefits recognized $ 76 $ 65 $ 152 $ 131 Proportional amortization expense included in provision for income taxes 63 54 126 109 There were no sales of affordable housing tax credit investments during the three-month and six-month periods ended June 30, 2024 and 2023. There was no impairment recognized for the three-month and six-month periods ended June 30, 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 VIEs 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	6 Months Ended
	Jun. 30, 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 June 30, 2024 At December 31, 2023 Contract amount representing credit risk Commitments to extend credit: Commercial and industrial $ 33,776 $ 32,344 Consumer loan portfolio 19,749 19,270 Commercial real estate 1,940 2,543 Standby letters of credit and guarantees on industrial revenue bonds 728 814 Commercial letters of credit 14 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 $27 million and $9 million at June 30, 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 $117 million and $79 million as of June 30, 2024 and December 31, 2023, respectively, 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 June 30, 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	6 Months Ended
	Jun. 30, 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. Consumer & Regional Banking Commercial Banking Treasury / Other Huntington Consolidated (dollar amounts in millions) Three months ended June 30, 2024 Net interest income (loss) $ 1,007 $ 527 $ (222) $ 1,312 Provision for credit losses 76 24 — 100 Noninterest income 322 164 5 491 Noninterest expense 788 300 29 1,117 Provision (benefit) for income taxes 97 77 (68) 106 Income attributable to non-controlling interest — 6 — 6 Net income (loss) attributable to Huntington $ 368 $ 284 $ (178) $ 474 Three months ended June 30, 2023 Net interest income $ 933 $ 547 $ (134) $ 1,346 Provision for credit losses 64 28 — 92 Noninterest income 302 167 26 495 Noninterest expense 765 274 11 1,050 Provision (benefit) for income taxes 86 86 (38) 134 Income attributable to non-controlling interest — 6 — 6 Net income (loss) attributable to Huntington $ 320 $ 320 $ (81) $ 559 Six months ended June 30, 2024 Net interest income (loss) $ 1,963 $ 1,050 $ (414) $ 2,599 Provision for credit losses 122 85 — 207 Noninterest income 630 309 19 958 Noninterest expense 1,565 594 95 2,254 Provision (benefit) for income taxes 190 143 (141) 192 Income attributable to non-controlling interest — 11 — 11 Net income (loss) attributable to Huntington $ 716 $ 526 $ (349) $ 893 Six months ended June 30, 2023 Net interest income $ 1,804 $ 1,088 $ (137) $ 2,755 Provision for credit losses 110 67 — 177 Noninterest income 646 323 38 1,007 Noninterest expense 1,519 552 65 2,136 Provision (benefit) for income taxes 173 166 (61) 278 Income attributable to non-controlling interest — 10 — 10 Net income (loss) attributable to Huntington $ 648 $ 616 $ (103) $ 1,161 Assets Deposits (dollar amounts in millions) At June 30, 2024 At December 31, 2023 At June 30, 2024 At December 31, 2023 Consumer & Regional Banking $ 75,298 $ 73,082 $ 110,913 $ 110,157 Commercial Banking 63,107 63,377 38,110 35,466 Treasury / Other 57,905 52,909 5,344 5,607 Total $ 196,310 $ 189,368 $ 154,367 $ 151,230

Pay vs Performance Disclosure

Pay vs Performance Disclosure - USD ($) $ in Millions	3 Months Ended		6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Pay vs Performance Disclosure
Net Income	$ 474	$ 559	$ 893	$ 1,161

Insider Trading Arrangements

Insider Trading Arrangements - shares	3 Months Ended		6 Months Ended
	Jun. 30, 2024	Mar. 31, 2024	Jun. 30, 2024
Trading Arrangements, by Individual
Rule 10b5-1 Arrangement Adopted	false
Non-Rule 10b5-1 Arrangement Adopted	false	false
Rule 10b5-1 Arrangement Terminated	false	false
Non-Rule 10b5-1 Arrangement Terminated	false	false
Scott D. Kleinman [Member]
Trading Arrangements, by Individual
Material Terms of Trading Arrangement			On January 31, 2024, Scott D. Kleinman, our Senior Executive Vice President and President of Commercial Banking, adopted a trading plan intended to satisfy the conditions under Rule 10b5-1(c) of the Exchange Act. Mr. Kleinman’s plan is for the vesting and sale of up to 56,684 shares of common stock underlying performance stock units in amounts and prices determined in accordance with formulae set forth in the plan. The plan terminates on the earlier of the date all the shares under the plan are sold and January 17, 2025.
Title		Senior Executive Vice President and President of Commercial Banking
Rule 10b5-1 Arrangement Adopted		true
Adoption Date		January 31, 2024
Expiration Date		January 17, 2025
Arrangement Duration		354 days
Aggregate Available		56,684
Rajeev (Raj) Syal [Member]
Trading Arrangements, by Individual
Material Terms of Trading Arrangement			On January 24, 2024, Rajeev (Raj) Syal, our Senior Executive Vice President and Chief Human Resources Officer, adopted a trading plan intended to satisfy the conditions under Rule 10b5-1(c) of the Exchange Act. Mr. Syal’s plan covers the following: • the exercise and sale of up to 315,126 shares of common stock underlying stock options; • the vesting and sale of up to 21,425 shares of common stock underlying restricted stock units; • the vesting and sale of up to 49,458 shares of common stock underlying performance stock units; and • the sale of up to 32,647 shares of common stock; in amounts and prices determined in accordance with formulae set forth in the plan. The plan terminates on the earlier of the date all the shares under the plan are sold and January 31, 2025.
Name		Rajeev (Raj) Syal
Title		Senior Executive Vice President and Chief Human Resources Officer
Rule 10b5-1 Arrangement Adopted		true
Adoption Date		January 24, 2024
Expiration Date		January 31, 2025
Arrangement Duration		373 days
Rajeev (Raj) Syal Trading Arrangement, Stock Options [Member] | Rajeev (Raj) Syal [Member]
Trading Arrangements, by Individual
Aggregate Available		315,126
Rajeev (Raj) Syal Trading Arrangement, Restricted Stock Units [Member] | Rajeev (Raj) Syal [Member]
Trading Arrangements, by Individual
Aggregate Available		21,425
Rajeev (Raj) Syal Trading Arrangement, Performance Stock Units [Member] | Rajeev (Raj) Syal [Member]
Trading Arrangements, by Individual
Aggregate Available		49,458
Rajeev (Raj) Syal Trading Arrangement, Common Stock [Member] | Rajeev (Raj) Syal [Member]
Trading Arrangements, by Individual
Aggregate Available		32,647

ACCOUNTING STANDARDS UPDATE (Po

ACCOUNTING STANDARDS UPDATE (Policies)	6 Months Ended
	Jun. 30, 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 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 Consolidated Financial Statements. ASU 2023-09 - Income Taxes (Topic 740): Improvements to Income Tax Disclosures • Requires a tabular rate reconciliation using both percentages and reporting currency amounts between the reported amount of income tax expense (or benefit) to the amount of statutory federal income tax at current rates for specified categories using specified disaggregation criteria. • The amount of net income taxes paid for federal, state, and foreign taxes, as well as the amount paid to any jurisdiction that net taxes exceed a 5% quantitative threshold. • The amendments will require the disclosure of pre-tax income disaggregated between domestic and foreign, as well as income tax expense disaggregated by federal, state, and foreign. • The amendment also eliminates certain disclosures related to unrecognized tax benefits and certain temporary differences. • Effective for fiscal years beginning after December 15, 2024. • Early adoption is permitted in any annual period where financial statements have not yet been issued. • The amendments should be applied on a prospective basis but retrospective application is permitted. • Huntington does not expect adoption of the standard to have a material impact on its Consolidated Financial Statements.

INVESTMENT SECURITIES AND OTH_2

INVESTMENT SECURITIES AND OTHER SECURITIES (Tables)	6 Months Ended
	Jun. 30, 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 June 30, 2024 Available-for-sale securities: U.S. Treasury $ 6,112 $ 1 $ (2) $ 6,111 Federal agencies: Residential CMO 3,440 — (448) 2,992 Residential MBS 12,586 1 (1,972) 10,615 Commercial MBS 2,525 — (747) 1,778 Other agencies 149 — (7) 142 Total U.S. Treasury, federal agency, and other agency securities 24,812 2 (3,176) 21,638 Municipal securities 3,556 — (178) 3,378 Private-label CMO 124 — (12) 112 Asset-backed securities 332 — (26) 306 Corporate debt 2,167 90 (247) 2,010 Other securities/sovereign debt 10 — — 10 Total available-for-sale securities $ 31,001 $ 92 $ (3,639) $ 27,454 Held-to-maturity securities: Federal agencies: Residential CMO $ 4,542 $ 1 $ (714) $ 3,829 Residential MBS 8,956 — (1,345) 7,611 Commercial MBS 1,450 — (242) 1,208 Other agencies 87 — (6) 81 Total federal agency and other agency securities 15,035 1 (2,307) 12,729 Municipal securities 1 — — 1 Total held-to-maturity securities $ 15,036 $ 1 $ (2,307) $ 12,730 Other securities, at cost: Non-marketable equity securities: Federal Home Loan Bank stock $ 276 $ — $ — $ 276 Federal Reserve Bank stock 519 — — 519 Equity securities 17 — — 17 Other securities, at fair value: Mutual funds 30 — — 30 Equity securities 1 1 — 2 Total other securities $ 843 $ 1 $ — $ 844 (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 June 30, 2024, accrued interest receivable on available-for-sale securities and held-to-maturity securities totaled $72 million and $34 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 $642 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 June 30, 2024 At December 31, 2023 (dollar amounts in millions) Amortized Fair Amortized Fair Available-for-sale securities: Under 1 year $ 5,480 $ 5,469 $ 3,380 $ 3,372 After 1 year through 5 years 3,769 3,608 2,484 2,338 After 5 years through 10 years 2,396 2,235 2,392 2,255 After 10 years 19,356 16,142 20,309 17,340 Total available-for-sale securities $ 31,001 $ 27,454 $ 28,565 $ 25,305 Held-to-maturity securities: Under 1 year $ — $ — $ 1 $ 1 After 1 year through 5 years 38 37 48 46 After 5 years through 10 years 64 60 69 66 After 10 years 14,934 12,633 15,632 13,605 Total held-to-maturity securities $ 15,036 $ 12,730 $ 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 June 30, 2024 Available-for-sale securities: U.S. Treasury $ 2,761 $ (2) $ — $ — $ 2,761 $ (2) Federal agencies: Residential CMO 223 (4) 2,769 (444) 2,992 (448) Residential MBS 273 (4) 10,253 (1,968) 10,526 (1,972) Commercial MBS — — 1,778 (747) 1,778 (747) Other agencies — — 72 (7) 72 (7) Total federal agency and other agency securities 3,257 (10) 14,872 (3,166) 18,129 (3,176) Municipal securities 848 (25) 2,422 (153) 3,270 (178) Private-label CMO — — 92 (12) 92 (12) Asset-backed securities — — 271 (26) 271 (26) Corporate debt — — 2,009 (247) 2,009 (247) Total temporarily impaired available-for-sale securities $ 4,105 $ (35) $ 19,666 $ (3,604) $ 23,771 $ (3,639) Held-to-maturity securities: Federal agencies: Residential CMO $ 202 $ (2) $ 3,416 $ (712) $ 3,618 $ (714) Residential MBS 81 (2) 7,530 (1,343) 7,611 (1,345) Commercial MBS — — 1,208 (242) 1,208 (242) Other agencies — — 81 (6) 81 (6) Total federal agency and other agency securities 283 (4) 12,235 (2,303) 12,518 (2,307) Total temporarily impaired held-to-maturity securities $ 283 $ (4) $ 12,235 $ (2,303) $ 12,518 $ (2,307) 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)	6 Months Ended
	Jun. 30, 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 June 30, 2024 At December 31, 2023 Commercial loan and lease portfolio: Commercial and industrial $ 52,307 $ 50,657 Commercial real estate 11,933 12,422 Lease financing 5,202 5,228 Total commercial loan and lease portfolio 69,442 68,307 Consumer loan portfolio: Residential mortgage 24,069 23,720 Automobile 13,233 12,482 Home equity 10,076 10,113 RV and marine 6,042 5,899 Other consumer 1,560 1,461 Total consumer loan portfolio 54,980 53,675 Total loans and leases (1)(2) 124,422 121,982 Allowance for loan and lease losses (2,304) (2,255) Net loans and leases $ 122,118 $ 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 $354 million and $323 million at June 30, 2024 and December 31, 2023, respectively. (2) The total amount of accrued interest recorded for these loans and leases at June 30, 2024 was $325 million and $221 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 June 30, 2024 At December 31, 2023 Lease payments receivable $ 4,976 $ 4,980 Estimated residual value of leased assets 813 804 Gross investment in lease financing receivables 5,789 5,784 Deferred origination costs 54 54 Deferred fees, unearned income and other (641) (610) Total lease financing receivables $ 5,202 $ 5,228
NALs and Past Due Loans	The following table presents NALs by class. At June 30, 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 $ 346 $ 66 $ 344 Commercial real estate 69 194 64 140 Lease financing — 13 3 14 Residential mortgage — 80 — 72 Automobile — 4 — 4 Home equity — 95 — 91 RV and marine — 1 — 2 Total nonaccrual loans and leases $ 137 $ 733 $ 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 June 30, 2024 Commercial and industrial $ 80 $ 35 $ 141 $ 256 $ 52,051 $ — $ 52,307 $ 1 (2) Commercial real estate 4 10 94 108 11,825 — 11,933 — Lease financing 40 12 5 57 5,145 — 5,202 4 Residential mortgage 218 79 187 484 23,410 175 24,069 138 (3) Automobile 88 20 11 119 13,114 — 13,233 8 Home equity 65 29 80 174 9,902 — 10,076 18 RV and marine 19 5 4 28 6,014 — 6,042 3 Other consumer 13 5 4 22 1,538 — 1,560 3 Total loans and leases $ 527 $ 195 $ 526 $ 1,248 $ 122,999 $ 175 $ 124,422 $ 175 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 June 30, 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 $ 8,164 $ 10,077 $ 7,883 $ 2,992 $ 1,870 $ 2,137 $ 15,943 $ 5 $ 49,071 OLEM 66 242 123 53 17 30 259 — 790 Substandard 205 372 495 176 101 197 900 — 2,446 Total Commercial and industrial $ 8,435 $ 10,691 $ 8,501 $ 3,221 $ 1,988 $ 2,364 $ 17,102 $ 5 $ 52,307 Commercial real estate Credit Quality Indicator (1): Pass $ 625 $ 1,246 $ 3,119 $ 1,490 $ 1,058 $ 2,134 $ 531 $ — $ 10,203 OLEM 25 25 387 173 1 81 60 — 752 Substandard 126 174 249 174 23 217 15 — 978 Total Commercial real estate $ 776 $ 1,445 $ 3,755 $ 1,837 $ 1,082 $ 2,432 $ 606 $ — $ 11,933 Lease financing Credit Quality Indicator (1): Pass $ 851 $ 1,804 $ 1,072 $ 674 $ 449 $ 221 $ — $ — $ 5,071 OLEM 1 14 16 3 6 9 — — 49 Substandard 1 17 34 12 7 11 — — 82 Total Lease financing $ 853 $ 1,835 $ 1,122 $ 689 $ 462 $ 241 $ — $ — $ 5,202 Residential mortgage Credit Quality Indicator (2): 750+ $ 802 $ 2,379 $ 4,048 $ 5,872 $ 3,167 $ 2,771 $ — $ — $ 19,039 650-749 343 651 809 840 462 855 — — 3,960 <650 21 43 98 102 64 567 — — 895 Total Residential mortgage $ 1,166 $ 3,073 $ 4,955 $ 6,814 $ 3,693 $ 4,193 $ — $ — $ 23,894 Automobile Credit Quality Indicator (2): 750+ $ 2,155 $ 1,997 $ 1,683 $ 1,230 $ 532 $ 246 $ — $ — $ 7,843 650-749 1,078 1,302 947 639 246 117 — — 4,329 <650 114 259 279 245 99 65 — — 1,061 Total Automobile $ 3,347 $ 3,558 $ 2,909 $ 2,114 $ 877 $ 428 $ — $ — $ 13,233 Home equity Credit Quality Indicator (2): 750+ $ 99 $ 376 $ 405 $ 483 $ 502 $ 228 $ 4,487 $ 227 $ 6,807 650-749 41 102 86 54 48 89 2,019 223 2,662 <650 1 5 9 5 4 43 409 131 607 Total Home equity $ 141 $ 483 $ 500 $ 542 $ 554 $ 360 $ 6,915 $ 581 $ 10,076 RV and marine Credit Quality Indicator (2): 750+ $ 605 $ 1,010 $ 897 $ 784 $ 529 $ 799 $ — $ — $ 4,624 650-749 117 317 216 224 136 258 — — 1,268 <650 1 16 20 32 22 59 — — 150 Total RV and marine $ 723 $ 1,343 $ 1,133 $ 1,040 $ 687 $ 1,116 $ — $ — $ 6,042 Other consumer Credit Quality Indicator (2): 750+ $ 160 $ 126 $ 65 $ 30 $ 14 $ 54 $ 435 $ — $ 884 650-749 66 72 30 12 3 12 393 11 599 <650 2 9 6 2 1 2 41 14 77 Total Other consumer $ 228 $ 207 $ 101 $ 44 $ 18 $ 68 $ 869 $ 25 $ 1,560 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 June 30, 2024 Commercial and industrial $ — $ 5 $ 19 $ 7 $ — $ 2 $ 10 $ — $ 43 Commercial real estate 9 1 21 1 — 18 — — 50 Lease financing — 1 1 — — — — — 2 Residential mortgage — — — — — 1 — — 1 Automobile — 4 4 3 1 2 — — 14 Home equity — — — — — — 1 1 2 RV and marine — — 1 1 1 3 — — 6 Other consumer 2 6 3 2 1 4 — 9 27 Total $ 11 $ 17 $ 49 $ 14 $ 3 $ 30 $ 11 $ 10 $ 145 Six months ended June 30, 2024 Commercial and industrial $ — $ 10 $ 30 $ 22 $ 11 $ 4 $ 20 $ 1 $ 98 Commercial real estate 9 2 30 2 — 24 — — 67 Lease financing — 1 1 1 — 1 — — 4 Residential mortgage — — — — — 2 — — 2 Automobile — 8 9 7 3 2 — — 29 Home equity — — — — — — 1 3 4 RV and marine — 1 2 3 2 6 — — 14 Other consumer 3 13 8 4 2 7 — 18 55 Total $ 12 $ 35 $ 80 $ 39 $ 18 $ 46 $ 21 $ 22 $ 273 Term Loans Gross Charge-offs by Origination Year Revolver Gross Charge-offs Revolver Converted to Term Loans Gross Charge-offs (dollar amounts in millions) 2023 2022 2021 2020 2019 Prior Total Three months ended June 30, 2023 Commercial and industrial $ 1 $ 4 $ 14 $ — $ 8 $ 10 $ — $ 1 $ 38 Commercial real estate — 3 — — 5 5 — — 13 Lease Financing — 1 1 — — — — — 2 Residential mortgage — — — — — 1 — — 1 Automobile — 3 4 2 2 — — — 11 Home equity — — — — — 1 — 1 2 RV and marine — 1 — — — 3 — — 4 Other consumer 2 5 3 2 2 1 — 6 21 Total $ 3 $ 17 $ 22 $ 4 $ 17 $ 21 $ — $ 8 $ 92 Six months ended June 30, 2023 Commercial and industrial $ 2 $ 18 $ 17 $ 6 $ 12 $ 10 $ 4 $ 1 $ 70 Commercial real estate — 3 19 — 5 5 — — 32 Lease financing — 1 1 — — 1 — — 3 Residential mortgage — — 1 — — 2 — — 3 Automobile — 6 8 4 3 2 — — 23 Home equity — — — — — 1 1 2 4 RV and marine — 1 1 1 1 4 — — 8 Other consumer 3 13 8 3 3 5 — 13 48 Total $ 5 $ 42 $ 55 $ 14 $ 24 $ 30 $ 5 $ 16 $ 191
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 June 30, 2024 Commercial and industrial $ 34 $ 116 $ — $ 41 $ 191 0.37 % Commercial real estate — 184 — 14 198 1.66 Residential mortgage — 15 1 1 17 0.07 Automobile — 4 — — 4 0.03 Home equity — 2 — 2 4 0.04 Other consumer 1 — — — 1 0.06 Total loans to borrowers experiencing financial difficulty in which modifications were made $ 35 $ 321 $ 1 $ 58 $ 415 0.33 % Three months ended June 30, 2023 Commercial and industrial $ — $ 138 $ — $ — $ 138 0.28 % Commercial real estate — 134 — — 134 1.02 Residential mortgage — 12 2 1 15 0.06 Automobile — 4 — 1 5 0.04 Home equity — 1 — 3 4 0.04 Other consumer 1 — — — 1 0.07 Total loans to borrowers experiencing financial difficulty in which modifications were made $ 1 $ 289 $ 2 $ 5 $ 297 0.26 % Six months ended June 30, 2024 Commercial and industrial $ 84 $ 144 $ — $ 42 $ 270 0.52 % Commercial real estate — 198 — 14 212 1.78 Residential mortgage — 23 4 1 28 0.12 Automobile — 7 — 1 8 0.06 Home equity — 3 — 6 9 0.09 Other consumer 1 — — — 1 0.06 Total loans to borrowers experiencing financial difficulty in which modifications were made $ 85 $ 375 $ 4 $ 64 $ 528 0.42 % Six months ended June 30, 2023 Commercial and industrial $ 35 $ 198 $ — $ 3 $ 236 0.47 % Commercial real estate — 148 — — 148 1.12 Residential mortgage — 35 2 2 39 0.17 Automobile — 7 — 1 8 0.06 Home equity — 1 — 5 6 0.06 RV and marine — 1 — — 1 0.02 Other consumer 1 — — — 1 0.07 Total loans to borrowers experiencing financial difficulty in which modifications were made $ 36 $ 390 $ 2 $ 11 $ 439 0.38 % (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 June 30, 2024 Commercial and industrial 8.46 % 8.21 % 0.7 Commercial real estate 7.98 % 7.85 % 0.4 Residential mortgage 7.4 Three months ended June 30, 2023 Commercial and industrial 0.7 Commercial real estate 0.5 Residential mortgage 8.8 Six months ended June 30, 2024 Commercial and industrial 8.40 % 7.57 % 0.8 Commercial real estate 7.98 % 7.85 % 0.4 Residential mortgage 7.6 Automobile 1.6 Home equity 9.28 % 6.69 % 12.9 Six months ended June 30, 2023 Commercial and industrial 7.68 % 6.94 % 0.9 Commercial real estate 0.5 Residential mortgage 7.2 Automobile 2.0 Home equity 8.37 % 5.86 % 15.5 (1) Certain disclosures related to financial effects of modifications do not include those deemed to be immaterial. Past Due (dollar amounts in millions) 30-59 60-89 90 or Total Current Total At June 30, 2024 Commercial and industrial $ 16 $ 1 $ 7 $ 24 $ 396 $ 420 Commercial real estate — — 4 4 244 248 Residential mortgage 9 6 8 23 29 52 Automobile 2 1 — 3 12 15 Home equity 1 1 2 4 11 15 RV and marine — — — — 1 1 Other consumer — — — — 2 2 Total loans to borrowers experiencing financial difficulty in which modifications were made in the twelve months ended June 30, 2024 $ 28 $ 9 $ 21 $ 58 $ 695 $ 753 At June 30, 2023 (1) Commercial and industrial $ 1 $ 1 $ — $ 2 $ 234 $ 236 Commercial real estate — — — — 148 148 Residential mortgage 7 3 4 14 25 39 Automobile 1 — — 1 7 8 Home equity 1 — — 1 5 6 RV and marine — — — — 1 1 Other consumer — — — — 1 1 Total loans to borrowers experiencing financial difficulty in which modifications were made in the six months ended June 30, 2023 (1) $ 10 $ 4 $ 4 $ 18 $ 421 $ 439 (1) Huntington adopted ASU 2022-02 - Financial Instruments - Credit Losses (Topic 326): Troubled Debt Restructurings and Vintage Disclosures effective January 1, 2023, therefore, the June 30, 2023 presentation only includes loans since guidance became effective.

ALLOWANCE FOR CREDIT LOSSES (Ta

ALLOWANCE FOR CREDIT LOSSES (Tables)	6 Months Ended
	Jun. 30, 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 June 30, 2024 ALLL balance, beginning of period $ 1,589 $ 691 $ 2,280 Loan and lease charge-offs (95) (50) (145) Recoveries of loans and leases previously charged-off 38 17 55 Provision for loan and lease losses 55 59 114 ALLL balance, end of period $ 1,587 $ 717 $ 2,304 AULC balance, beginning of period $ 69 $ 66 $ 135 Provision (benefit) for unfunded lending commitments (5) (11) (16) AULC balance, end of period $ 64 $ 55 $ 119 ACL balance, end of period $ 1,651 $ 772 $ 2,423 Three months ended June 30, 2023 ALLL balance, beginning of period $ 1,457 $ 685 $ 2,142 Loan and lease charge-offs (53) (39) (92) Recoveries of loans and leases previously charged-off 26 17 43 Provision for loan and lease losses 53 31 84 ALLL balance, end of period $ 1,483 $ 694 $ 2,177 AULC balance, beginning of period $ 75 $ 82 $ 157 Provision for unfunded lending commitments 3 5 8 AULC balance, end of period $ 78 $ 87 $ 165 ACL balance, end of period $ 1,561 $ 781 $ 2,342 (dollar amounts in millions) Commercial Consumer Total Six months ended June 30, 2024 ALLL balance, beginning of period $ 1,563 $ 692 $ 2,255 Loan and lease charge-offs (169) (104) (273) Recoveries of loans and leases previously charged-off 57 34 91 Provision for loan and lease losses 136 95 231 ALLL balance, end of period $ 1,587 $ 717 $ 2,304 AULC balance, beginning of period $ 66 $ 79 $ 145 Provision (benefit) for unfunded lending commitments (2) (24) (26) AULC balance, end of period $ 64 $ 55 $ 119 ACL balance, end of period $ 1,651 $ 772 $ 2,423 Six months ended June 30, 2023 ALLL balance, beginning of period $ 1,424 $ 697 $ 2,121 Loan and lease charge-offs (105) (86) (191) Recoveries of loans and leases previously charged-off 49 36 85 Provision for loan and lease losses 115 47 162 ALLL balance, end of period $ 1,483 $ 694 $ 2,177 AULC balance, beginning of period $ 71 $ 79 $ 150 Provision for unfunded lending commitments 7 8 15 AULC balance, end of period $ 78 $ 87 $ 165 ACL balance, end of period $ 1,561 $ 781 $ 2,342

MORTGAGE LOAN SALES AND SERVI_2

MORTGAGE LOAN SALES AND SERVICING RIGHTS (Tables)	6 Months Ended
	Jun. 30, 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 Six Months Ended (dollar amounts in millions) June 30, 2024 June 30, 2023 June 30, 2024 June 30, 2023 Residential mortgage loans sold with servicing retained $ 983 $ 1,117 $ 1,794 $ 1,979 Pretax gains resulting from above loan sales (1) 19 15 32 22 Total servicing, late, and other ancillary fees (1) 25 24 51 48 (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 Six Months Ended (dollar amounts in millions) June 30, 2024 June 30, 2023 June 30, 2024 June 30, 2023 Fair value, beginning of period $ 534 $ 485 $ 515 $ 494 New servicing assets created 11 18 21 31 Change in fair value during the period due to: Time decay (1) (7) (6) (13) (12) Payoffs (2) (7) (7) (12) (11) Changes in valuation inputs or assumptions (3) 12 15 32 3 Fair value, end of period $ 543 $ 505 $ 543 $ 505 Loans serviced for third parties, unpaid principal balance, end of period $ 33,404 $ 32,712 $ 33,404 $ 32,712 (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 June 30, 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) 8.48 % $ (15) $ (29) 8.61 % $ (15) $ (28) Spread over forward interest rate swap rates 523 bps (11) (22) 538 bps (11) (22)

BORROWINGS (Tables)

BORROWINGS (Tables)	6 Months Ended
	Jun. 30, 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 June 30, 2024 At December 31, 2023 Securities sold under agreements to repurchase $ 133 $ 618 Other borrowings 54 2 Total short-term borrowings $ 187 $ 620
Schedule of Long-term Debt Instruments	Huntington’s long-term debt consisted of the following: (dollar amounts in millions) At June 30, 2024 At December 31, 2023 The Parent Company: Senior Notes $ 5,409 $ 4,233 Subordinated Notes 745 760 Total notes issued by the parent 6,154 4,993 The Bank: Senior Notes 2,700 3,480 Subordinated Notes 664 662 Total notes issued by the bank 3,364 4,142 FHLB Advances 4,686 2,731 Auto Loan Securitization Trust (1) 1,265 — Credit Linked Notes 480 — Other 512 528 Total long-term debt $ 16,461 $ 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)	6 Months Ended
	Jun. 30, 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 June 30, 2024 Unrealized losses on available-for-sale securities arising during the period, net of hedges $ (93) $ 21 $ (72) Reclassification adjustment for realized net losses included in net income 2 — 2 Total unrealized losses on available-for-sale securities, net of hedges (91) 21 (70) Unrealized losses on cash flow hedges during the period (20) 5 (15) Reclassification adjustment for cash flow hedges included in net income 68 (16) 52 Net change related to cash flow hedges on loans 48 (11) 37 Change in accumulated unrealized gains for pension and other post-retirement obligations 1 — 1 Other comprehensive loss $ (42) $ 10 $ (32) Three months ended June 30, 2023 Unrealized losses on available-for-sale securities arising during the period, net of hedges $ (143) $ 33 $ (110) Reclassification adjustment for realized net losses included in net income 35 (8) 27 Total unrealized losses on available-for-sale securities, net of hedges (108) 25 (83) Unrealized losses on cash flow hedges during the period (266) 65 (201) Reclassification adjustment for cash flow hedges included in net income 34 (2) 32 Net change related to cash flow hedges on loans (232) 63 (169) Translation adjustments, net of hedges (1) 1 — 1 Other comprehensive loss $ (339) $ 88 $ (251) Six months ended June 30, 2024 Unrealized losses on available-for-sale securities arising during the period, net of hedges $ (263) $ 61 $ (202) Reclassification adjustment for realized net losses included in net income 5 (1) 4 Total unrealized losses on available-for-sale securities, net of hedges (258) 60 (198) Unrealized losses on cash flow hedges during the period (181) 42 (139) Reclassification adjustment for cash flow hedges included in net income 135 (32) 103 Net change related to cash flow hedges on loans (46) 10 (36) Translation adjustments, net of hedges (1) (2) — (2) Change in accumulated unrealized gains for pension and other post-retirement obligations 1 — 1 Other comprehensive loss $ (305) $ 70 $ (235) Six months ended June 30, 2023 Unrealized gains on available-for-sale securities arising during the period, net of hedges $ 54 $ (12) $ 42 Reclassification adjustment for realized net losses included in net income 38 (9) 29 Total unrealized gains on available-for-sale securities 92 (21) 71 Unrealized losses on cash flow hedges during the period (35) 12 (23) Reclassification adjustment for cash flow hedges included in net income 46 (3) 43 Net change related to cash flow hedges on loans 11 9 20 Translation adjustments, net of hedges (1) 1 — 1 Other comprehensive income $ 104 $ (12) $ 92 (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 June 30, 2024 Balance, beginning of period $ (2,222) $ (436) $ (8) $ (213) $ (2,879) Other comprehensive loss before reclassifications (72) (15) — — (87) Amounts reclassified from accumulated OCI to earnings 2 52 — 1 55 Period change (70) 37 — 1 (32) Balance, end of period $ (2,292) $ (399) $ (8) $ (212) $ (2,911) Three months ended June 30, 2023 Balance, beginning of period $ (2,094) $ (443) $ (8) $ (210) $ (2,755) Other comprehensive income (loss) before reclassifications (110) (201) 1 — (310) Amounts reclassified from accumulated OCI to earnings 27 32 — — 59 Period change (83) (169) 1 — (251) Balance, end of period $ (2,177) $ (612) $ (7) $ (210) $ (3,006) Six months ended June 30, 2024 Balance, beginning of period $ (2,094) $ (363) $ (6) $ (213) $ (2,676) Other comprehensive loss before reclassifications (202) (139) (2) — (343) Amounts reclassified from accumulated OCI to earnings 4 103 — 1 108 Period change (198) (36) (2) 1 (235) Balance, end of period $ (2,292) $ (399) $ (8) $ (212) $ (2,911) Six months ended June 30, 2023 Balance, beginning of period $ (2,248) $ (632) $ (8) $ (210) $ (3,098) Other comprehensive income (loss) before reclassifications 42 (23) 1 — 20 Amounts reclassified from accumulated OCI to earnings 29 43 — — 72 Period change 71 20 1 — 92 Balance, end of period $ (2,177) $ (612) $ (7) $ (210) $ (3,006) (1) AOCI amounts at June 30, 2024 and June 30, 2023 include $54 million and $62 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)	6 Months Ended
	Jun. 30, 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 June 30, 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 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 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 $25,000, plus any declared and unpaid dividends. The following table presents the dividends declared for each series of Preferred shares. Three Months Ended Six Months Ended (amounts in millions, except per share data) June 30, 2024 June 30, 2023 June 30, 2024 June 30, 2023 Cash Dividend Declared Per Share Cash Dividend Declared Per Share Cash Dividend Declared Per Share Cash Dividend Declared Per Share Preferred Series Amount ($) Amount ($) Amount ($) Amount ($) Series B $ 20.73 $ — $ 19.90 $ — $ 41.42 $ 1 $ 38.72 $ 1 Series E 2,141.07 9 2,035.07 10 4,254.97 17 3,460.07 17 Series F 1,406.25 7 1,406.25 7 2,812.50 14 2,812.50 14 Series G 1,112.50 5 1,112.50 6 2,225.00 11 2,225.00 12 Series H 11.25 6 11.25 6 22.50 12 22.50 12 Series I 356.25 3 356.25 3 712.50 5 712.50 5 Series J 17.19 5 24.64 8 34.38 11 24.64 8 Total $ 35 $ 40 $ 71 $ 69

EARNINGS PER SHARE (Tables)

EARNINGS PER SHARE (Tables)	6 Months Ended
	Jun. 30, 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 Six Months Ended (dollar amounts in millions, except per share data, share count in thousands) June 30, 2024 June 30, 2023 June 30, 2024 June 30, 2023 Basic earnings per common share: Net income attributable to Huntington $ 474 $ 559 $ 893 $ 1,161 Preferred stock dividends 35 40 71 69 Net income available to common shareholders $ 439 $ 519 $ 822 $ 1,092 Average common shares issued and outstanding 1,451,207 1,446,372 1,449,850 1,444,820 Basic earnings per common share $ 0.30 $ 0.36 $ 0.57 $ 0.76 Diluted earnings per common share: Average dilutive potential common shares: Stock options and restricted stock units and awards 15,407 12,212 16,401 15,913 Shares held in deferred compensation plans 7,645 7,136 7,546 6,767 Average dilutive potential common shares 23,052 19,348 23,947 22,680 Total diluted average common shares issued and outstanding 1,474,259 1,465,720 1,473,797 1,467,500 Diluted earnings per common share $ 0.30 $ 0.35 $ 0.56 $ 0.74 Anti-dilutive awards (1) 7,319 15,413 8,380 12,226 (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)	6 Months Ended
	Jun. 30, 2024
Revenue from Contract with Customer [Abstract]
Schedule of Noninterest Income	(dollar amounts in millions) Three Months Ended Six Months Ended Noninterest income June 30, 2024 June 30, 2023 June 30, 2024 June 30, 2023 Noninterest income from contracts with customers $ 360 $ 332 $ 696 $ 709 Noninterest income within the scope of other GAAP topics 131 163 262 298 Total noninterest income $ 491 $ 495 $ 958 $ 1,007 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 June 30, 2024 Payments and cash management revenue $ 114 $ 28 $ — $ 142 Wealth and asset management revenue 88 2 — 90 Customer deposit and loan fees 53 3 — 56 Capital markets and advisory fees 7 36 — 43 Leasing revenue — 10 — 10 Insurance income 16 2 — 18 Other noninterest income 2 — (1) 1 Net revenue from contracts with customers 280 81 (1) 360 Noninterest income within the scope of other GAAP topics 42 83 6 131 Total noninterest income $ 322 $ 164 $ 5 $ 491 Three months ended June 30, 2023 Payments and cash management revenue $ 109 $ 25 $ — $ 134 Wealth and asset management revenue 76 7 — 83 Customer deposit and loan fees 51 1 — 52 Capital markets and advisory fees 5 23 — 28 Leasing revenue 1 13 — 14 Insurance income 15 3 — 18 Other noninterest income 1 3 (1) 3 Net revenue from contracts with customers 258 75 (1) 332 Noninterest income within the scope of other GAAP topics 44 92 27 163 Total noninterest income $ 302 $ 167 $ 26 $ 495 Six months ended June 30, 2024 Payments and cash management revenue $ 221 $ 55 $ — $ 276 Wealth and asset management revenue 173 5 — 178 Customer deposit and loan fees 103 7 — 110 Capital markets and advisory fees 11 61 — 72 Leasing revenue 1 19 — 20 Insurance income 32 5 — 37 Other noninterest income 4 — (1) 3 Net revenue from contracts with customers 545 152 (1) 696 Noninterest income within the scope of other GAAP topics 85 157 20 262 Total noninterest income $ 630 $ 309 $ 19 $ 958 Six months ended June 30, 2023 Payments and cash management revenue $ 209 $ 50 $ — $ 259 Wealth and asset management revenue 155 8 — 163 Customer deposit and loan fees 97 2 — 99 Capital markets and advisory fees 8 53 — 61 Leasing revenue 1 27 — 28 Insurance income 32 5 — 37 Other noninterest income 60 3 (1) 62 Net revenue from contracts with customers 562 148 (1) 709 Noninterest income within the scope of other GAAP topics 84 175 39 298 Total noninterest income $ 646 $ 323 $ 38 $ 1,007

FAIR VALUES OF ASSETS AND LIA_2

FAIR VALUES OF ASSETS AND LIABILITIES (Tables)	6 Months Ended
	Jun. 30, 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 June 30, 2024 (dollar amounts in millions) Level 1 Level 2 Level 3 Assets Trading account securities: U.S. Treasury securities $ 89 $ — $ — $ — $ 89 Municipal securities — 44 — — 44 Corporate debt — 21 — — 21 Total trading account securities 89 65 — — 154 Available-for-sale securities: U.S. Treasury securities 6,111 — — — 6,111 Residential CMO — 2,992 — — 2,992 Residential MBS — 10,615 — — 10,615 Commercial MBS — 1,778 — — 1,778 Other agencies — 142 — — 142 Municipal securities — 37 3,341 — 3,378 Private-label CMO — 92 20 — 112 Asset-backed securities — 271 35 — 306 Corporate debt — 2,010 — — 2,010 Other securities/sovereign debt — 10 — — 10 Total available-for-sale securities 6,111 17,947 3,396 — 27,454 Other securities 30 2 — — 32 Loans held for sale — 659 — — 659 Loans held for investment — 115 60 — 175 MSRs — — 543 — 543 Other assets: Derivative assets — 1,637 4 (1,215) 426 Assets held in trust for deferred compensation plans 184 — — — 184 Liabilities Long-term debt — 480 — — 480 Derivative liabilities — 1,601 3 (884) 720 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 June 30, 2024 Opening balance $ 534 $ 4 $ 3,293 $ 20 $ 72 $ 58 Transfers into Level 3 — — — — — 4 Transfers out of Level 3 (1) — (6) — — — — Total gains/losses for the period: Included in earnings: Mortgage banking income 12 4 — — — — Interest and fee income — — (1) — — (1) Noninterest income — (6) — (1) — — Provision for credit losses — — (2) — — — Included in OCI — — (33) — — — Purchases/originations 11 — 228 — — — Repayments — — — — — (1) Settlements (14) 5 (144) 1 (37) — Closing balance $ 543 $ 1 $ 3,341 $ 20 $ 35 $ 60 Change in unrealized gains or losses for the period included in earnings for assets held at end of the reporting date $ 12 $ (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 — — (34) — — — Three months ended June 30, 2023 Opening balance $ 485 $ 3 $ 3,339 $ 20 $ 74 $ 15 Transfers into Level 3 — — — — — 19 Transfers out of Level 3 (1) — (8) — — — — Total gains/losses for the period: Included in earnings: Mortgage banking income 15 3 — — — — Included in OCI — — (7) — 1 — Purchases/originations 18 — 378 — — — Repayments — — — — — (1) Settlements (13) — (214) — — — Closing balance $ 505 $ (2) $ 3,496 $ 20 $ 75 $ 33 Change in unrealized gains or losses for the period included in earnings for assets held at end of the reporting date $ 15 $ (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 — — (13) — — — (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. Level 3 Fair Value Measurements Available-for-sale securities Loans held for investment (dollar amounts in millions) MSRs Derivative instruments Municipal securities Private- label CMO Asset-backed securities Six months ended June 30, 2024 Opening balance $ 515 $ (2) $ 3,335 $ 20 $ 75 $ 54 Transfers into Level 3 — — — — — 8 Transfers out of Level 3 (1) — (11) — — — — Total gains/losses for the period: Included in earnings: Mortgage banking income 32 11 — — — — Interest and fee income — — (1) (1) — (1) Noninterest income — (8) — — — — Provision for credit losses — — (2) — — — Included in OCI — — (14) — — — Purchases/originations 21 — 300 — — — Repayments — — — — — (1) Settlements (25) 11 (277) 1 (40) — Closing balance $ 543 $ 1 $ 3,341 $ 20 $ 35 $ 60 Change in unrealized gains or losses for the period included in earnings for assets held at end of the reporting date $ 32 $ — $ — $ — $ — $ — Change in unrealized gains or losses for the period included in other comprehensive income for assets held at the end of the reporting period — — (16) — — — Six months ended June 30, 2023 Opening balance $ 494 $ (2) $ 3,248 $ 20 $ 74 $ 16 Transfers into Level 3 — — — — — 19 Transfers out of Level 3 (1) — (10) — — — — Total gains/losses for the period: Included in earnings Mortgage banking income 3 10 — — — — Interest and fee income — — — (1) — — Included in OCI — — (4) — 1 — Purchases/originations 31 — 555 1 — — Repayments — — — — — (2) Settlements (23) — (303) — — — Closing balance $ 505 $ (2) $ 3,496 $ 20 $ 75 $ 33 Change in unrealized gains or losses for the period included in earnings for assets held at end of the reporting date $ 3 $ 4 $ — $ — $ — $ — Change in unrealized gains or losses for the period included in other comprehensive income for assets held at the end of the reporting period — — (10) — — — (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 that are 90 or more days past due (dollar amounts in millions) Fair value Aggregate Difference Fair value Aggregate Difference At June 30, 2024 Assets Loans held for sale $ 659 $ 645 $ 14 $ — $ — $ — Loans held for investment 175 186 (11) 2 3 (1) Liabilities Long-term debt 480 478 (2) At December 31, 2023 Assets 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 Six Months Ended (dollar amounts in millions) June 30, 2024 June 30, 2023 June 30, 2024 June 30, 2023 Loans held for sale (1) $ 4 $ — $ (3) $ — Loans held for investment (1) — (3) (1) (3) Long-term debt (2) (2) — (2) — (1) The net gains (losses) from fair value changes are included in mortgage banking income on the Unaudited Consolidated Statements of Income. (2) The net gains (losses) from fair value changes are included in other noninterest 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 Six Months Ended (dollar amounts in millions) At June 30, 2024 At December 31, 2023 June 30, 2024 June 30, 2023 June 30, 2024 June 30, 2023 Collateral-dependent loans $ 97 $ 40 $ (16) $ (1) $ (41) $ (7)
Quantitative information about significant unobservable level 3 fair value measurement inputs	Quantitative Information about Level 3 Fair Value Measurements (1) At June 30, 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 % - 40 % 8 % 4 % - 37 % 9 % Spread over forward interest rate swap rates 4 % - 13 % 5 % 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 June 30, 2024 Financial Assets Cash and short-term assets $ 12,783 $ — $ — $ 12,783 $ 12,783 Trading account securities — — 154 154 154 Available-for-sale securities — — 27,454 27,454 27,454 Held-to-maturity securities 15,036 — — 15,036 12,730 Other securities 812 — 32 844 844 Loans held for sale — 9 659 668 668 Net loans and leases (1) 121,943 — 175 122,118 118,794 Derivative assets — — 426 426 426 Assets held in trust for deferred compensation plans — — 184 184 184 Financial Liabilities Deposits (2) 154,367 — — 154,367 154,319 Short-term borrowings 187 — — 187 187 Long-term debt 15,981 — 480 16,461 16,499 Derivative liabilities — — 720 720 720 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 June 30, 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) Estimated Fair Value (dollar amounts in millions) Level 1 Level 2 Level 3 At June 30, 2024 Financial Assets Trading account securities $ 89 $ 65 $ — $ — $ 154 Available-for-sale securities 6,111 17,947 3,396 — 27,454 Held-to-maturity securities — 12,730 — — 12,730 Other securities (2) 30 2 — — 32 Loans held for sale — 659 9 — 668 Net loans and leases — 115 118,679 — 118,794 Derivative assets — 1,637 4 (1,215) 426 Financial Liabilities Deposits — 138,159 16,160 — 154,319 Short-term borrowings — 187 — — 187 Long-term debt — 11,177 5,322 — 16,499 Derivative liabilities — 1,601 3 (884) 720 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)	6 Months Ended
	Jun. 30, 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 June 30, 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 $ 44,295 $ 787 $ 744 $ 38,017 $ 868 $ 519 Foreign exchange contracts 231 1 — 222 6 — Derivatives not designated as Hedging Instruments Interest rate contracts 42,263 766 783 41,526 718 757 Foreign exchange contracts 5,576 45 35 5,257 69 76 Credit contracts 311 1 — 381 — 2 Commodities contracts 662 41 38 681 62 60 Equity contracts 727 — 4 759 — 7 Total contracts $ 94,065 $ 1,641 $ 1,604 $ 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 Six Months Ended (dollar amounts in millions) June 30, 2024 June 30, 2023 June 30, 2024 June 30, 2023 Interest rate contracts: Customer Capital markets fees $ 6 $ 10 $ 11 $ 17 Mortgage banking Mortgage banking income (12) — (23) 9 Interest rate swaptions Other noninterest income — 18 — 17 Foreign exchange contracts Capital markets fees 11 13 22 25 Credit contracts Other noninterest income (6) — (8) — Commodities contracts Capital markets fees 1 1 2 3 Equity contracts Other noninterest expense (2) (4) (4) (5) Total $ (2) $ 38 $ — $ 66
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 June 30, 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 June 30, 2024 Instruments associated with: Investment securities $ 11,649 $ — $ — $ 11,649 Loans — 20,550 175 20,725 Long-term debt 12,096 — — 12,096 Total notional value $ 23,745 $ 20,550 $ 175 $ 44,470 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 Six Months Ended (dollar amounts in millions) June 30, 2024 June 30, 2023 June 30, 2024 June 30, 2023 Interest rate contracts Change in fair value of interest rate swaps hedging investment securities (1) $ (39) $ 138 $ 32 $ (44) Change in fair value of hedged investment securities (1) 38 (139) (34) 42 Change in fair value of interest rate swaps hedging long-term debt (2) (31) (138) (159) (22) Change in fair value of hedged long term debt (2) 31 138 159 22 (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 June 30, 2024 At December 31, 2023 At June 30, 2024 At December 31, 2023 Assets Investment securities (1) $ 17,535 $ 18,241 $ (732) $ (698) Liabilities Long-term debt (2) 11,750 9,909 (274) (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 June 30, 2024, the amortized cost basis of the closed portfolios used in these hedging relationships was $16.9 billion, the cumulative basis adjustments associated with these hedging relationships was $642 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 $(63) million at June 30, 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 June 30, 2024 $ 1,641 $ (1,215) $ 426 $ — $ (29) $ 397 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 June 30, 2024 At December 31, 2023 Notional value $ 1,460 $ 1,668 Trading liabilities (51) (69) Three Months Ended Six Months Ended (dollar amounts in millions) June 30, 2024 June 30, 2023 June 30, 2024 June 30, 2023 Trading (losses) gains $ (10) $ (15) $ (29) $ (6)
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 June 30, 2024 $ 1,604 $ (884) $ 720 $ (21) $ (83) $ 616 At December 31, 2023 1,421 (751) 670 — (93) 577

VARIABLE INTEREST ENTITIES (Tab

VARIABLE INTEREST ENTITIES (Tables)	6 Months Ended
	Jun. 30, 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 June 30, 2024 At December 31, 2023 Assets Net loans and leases $ 1,389 $ — Other assets 173 82 Total assets $ 1,562 $ 82 Liabilities Long-term borrowings $ 1,265 $ — Other liabilities 63 57 Total liabilities $ 1,328 $ 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 June 30, 2024 Affordable Housing Tax Credit Partnerships $ 2,416 $ 1,184 $ 2,416 Trust Preferred Securities 14 248 — Other Investments 870 146 870 Total $ 3,300 $ 1,578 $ 3,286 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 June 30, 2024 At December 31, 2023 Affordable housing tax credit investments $ 3,579 $ 3,335 Less: amortization (1,163) (1,038) Net affordable housing tax credit investments $ 2,416 $ 2,297 Unfunded commitments $ 1,184 $ 1,279 The following table presents other information relating to Huntington’s affordable housing tax credit investments. Three Months Ended Six Months Ended (dollar amounts in millions) June 30, 2024 June 30, 2023 June 30, 2024 June 30, 2023 Tax credits and other tax benefits recognized $ 76 $ 65 $ 152 $ 131 Proportional amortization expense included in provision for income taxes 63 54 126 109

COMMITMENTS AND CONTINGENT LI_2

COMMITMENTS AND CONTINGENT LIABILITIES (Tables)	6 Months Ended
	Jun. 30, 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 June 30, 2024 At December 31, 2023 Contract amount representing credit risk Commitments to extend credit: Commercial and industrial $ 33,776 $ 32,344 Consumer loan portfolio 19,749 19,270 Commercial real estate 1,940 2,543 Standby letters of credit and guarantees on industrial revenue bonds 728 814 Commercial letters of credit 14 9

SEGMENT REPORTING (Tables)

SEGMENT REPORTING (Tables)	6 Months Ended
	Jun. 30, 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. Consumer & Regional Banking Commercial Banking Treasury / Other Huntington Consolidated (dollar amounts in millions) Three months ended June 30, 2024 Net interest income (loss) $ 1,007 $ 527 $ (222) $ 1,312 Provision for credit losses 76 24 — 100 Noninterest income 322 164 5 491 Noninterest expense 788 300 29 1,117 Provision (benefit) for income taxes 97 77 (68) 106 Income attributable to non-controlling interest — 6 — 6 Net income (loss) attributable to Huntington $ 368 $ 284 $ (178) $ 474 Three months ended June 30, 2023 Net interest income $ 933 $ 547 $ (134) $ 1,346 Provision for credit losses 64 28 — 92 Noninterest income 302 167 26 495 Noninterest expense 765 274 11 1,050 Provision (benefit) for income taxes 86 86 (38) 134 Income attributable to non-controlling interest — 6 — 6 Net income (loss) attributable to Huntington $ 320 $ 320 $ (81) $ 559 Six months ended June 30, 2024 Net interest income (loss) $ 1,963 $ 1,050 $ (414) $ 2,599 Provision for credit losses 122 85 — 207 Noninterest income 630 309 19 958 Noninterest expense 1,565 594 95 2,254 Provision (benefit) for income taxes 190 143 (141) 192 Income attributable to non-controlling interest — 11 — 11 Net income (loss) attributable to Huntington $ 716 $ 526 $ (349) $ 893 Six months ended June 30, 2023 Net interest income $ 1,804 $ 1,088 $ (137) $ 2,755 Provision for credit losses 110 67 — 177 Noninterest income 646 323 38 1,007 Noninterest expense 1,519 552 65 2,136 Provision (benefit) for income taxes 173 166 (61) 278 Income attributable to non-controlling interest — 10 — 10 Net income (loss) attributable to Huntington $ 648 $ 616 $ (103) $ 1,161
Segment Disclosure of Assets and Deposits	Assets Deposits (dollar amounts in millions) At June 30, 2024 At December 31, 2023 At June 30, 2024 At December 31, 2023 Consumer & Regional Banking $ 75,298 $ 73,082 $ 110,913 $ 110,157 Commercial Banking 63,107 63,377 38,110 35,466 Treasury / Other 57,905 52,909 5,344 5,607 Total $ 196,310 $ 189,368 $ 154,367 $ 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	Jun. 30, 2024	Dec. 31, 2023
Available-for-sale securities:
Total available-for-sale securities	$ 31,001	$ 28,565
Available-for-sale securities, Gross Gains	92	85
Available-for-sale securities, Gross Losses	(3,639)	(3,345)
Available-for-sale securities	27,454	25,305
Held-to-maturity securities:
Held-to-maturity securities	15,036	15,750
Held-to-maturity securities, Gross Gains	1	7
Held-to-maturity securities, Gross Losses	(2,307)	(2,039)
Held-to-maturity securities, Fair Value	12,730	13,718
Other securities, at cost:
Other securities, Amortized Cost	843	724
Other securities, Gross Gains	1	1
Other securities, Gross Losses	0	0
Other securities, Fair Value	844	725
Accrued interest receivable on AFS securities	72	61
Accrued interest receivable on HTM securities	34	36
Cumulative basis adjustments associated with hedging relationships	642	619
U.S. Treasury
Available-for-sale securities:
Total available-for-sale securities	6,112	2,855
Available-for-sale securities, Gross Gains	1	1
Available-for-sale securities, Gross Losses	(2)	0
Available-for-sale securities	6,111	2,856
Total U.S. Treasury, federal agency, and other agency securities
Available-for-sale securities:
Total available-for-sale securities	24,812	22,299
Available-for-sale securities, Gross Gains	2	4
Available-for-sale securities, Gross Losses	(3,176)	(2,899)
Available-for-sale securities	21,638	19,404
Held-to-maturity securities:
Held-to-maturity securities	15,035	15,748
Held-to-maturity securities, Gross Gains	1	7
Held-to-maturity securities, Gross Losses	(2,307)	(2,039)
Held-to-maturity securities, Fair Value	12,729	13,716
Residential CMO
Available-for-sale securities:
Total available-for-sale securities	3,440	3,592
Available-for-sale securities, Gross Gains	0	0
Available-for-sale securities, Gross Losses	(448)	(408)
Available-for-sale securities	2,992	3,184
Held-to-maturity securities:
Held-to-maturity securities	4,542	4,770
Held-to-maturity securities, Gross Gains	1	6
Held-to-maturity securities, Gross Losses	(714)	(664)
Held-to-maturity securities, Fair Value	3,829	4,112
Residential MBS
Available-for-sale securities:
Total available-for-sale securities	12,586	13,155
Available-for-sale securities, Gross Gains	1	3
Available-for-sale securities, Gross Losses	(1,972)	(1,776)
Available-for-sale securities	10,615	11,382
Held-to-maturity securities:
Held-to-maturity securities	8,956	9,368
Held-to-maturity securities, Gross Gains	0	1
Held-to-maturity securities, Gross Losses	(1,345)	(1,145)
Held-to-maturity securities, Fair Value	7,611	8,224
Commercial MBS
Available-for-sale securities:
Total available-for-sale securities	2,525	2,536
Available-for-sale securities, Gross Gains	0	0
Available-for-sale securities, Gross Losses	(747)	(709)
Available-for-sale securities	1,778	1,827
Held-to-maturity securities:
Held-to-maturity securities	1,450	1,509
Held-to-maturity securities, Gross Gains	0	0
Held-to-maturity securities, Gross Losses	(242)	(224)
Held-to-maturity securities, Fair Value	1,208	1,285
Other agencies
Available-for-sale securities:
Total available-for-sale securities	149	161
Available-for-sale securities, Gross Gains	0	0
Available-for-sale securities, Gross Losses	(7)	(6)
Available-for-sale securities	142	155
Held-to-maturity securities:
Held-to-maturity securities	87	101
Held-to-maturity securities, Gross Gains	0	0
Held-to-maturity securities, Gross Losses	(6)	(6)
Held-to-maturity securities, Fair Value	81	95
Municipal securities
Available-for-sale securities:
Total available-for-sale securities	3,556	3,536
Available-for-sale securities, Gross Gains	0	2
Available-for-sale securities, Gross Losses	(178)	(165)
Available-for-sale securities	3,378	3,373
Held-to-maturity securities:
Held-to-maturity securities	1	2
Held-to-maturity securities, Gross Gains	0	0
Held-to-maturity securities, Gross Losses	0	0
Held-to-maturity securities, Fair Value	1	2
Private-label CMO
Available-for-sale securities:
Total available-for-sale securities	124	131
Available-for-sale securities, Gross Gains	0	0
Available-for-sale securities, Gross Losses	(12)	(12)
Available-for-sale securities	112	119
Asset-backed securities
Available-for-sale securities:
Total available-for-sale securities	332	387
Available-for-sale securities, Gross Gains	0	0
Available-for-sale securities, Gross Losses	(26)	(31)
Available-for-sale securities	306	356
Corporate debt
Available-for-sale securities:
Total available-for-sale securities	2,167	2,202
Available-for-sale securities, Gross Gains	90	79
Available-for-sale securities, Gross Losses	(247)	(238)
Available-for-sale securities	2,010	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	17	17
Other securities, Gross Gains	0	0
Other securities, Gross Losses	0	0
Other securities, Fair Value	17	17
Mutual funds
Other securities, at cost:
Other securities, Amortized Cost	30	30
Other securities, Gross Gains	0	0
Other securities, Gross Losses	0	0
Other securities, Fair Value	30	30
Equity securities
Other securities, at cost:
Other securities, Amortized Cost	1	1
Other securities, Gross Gains	1	1
Other securities, Gross Losses	0	0
Other securities, Fair Value	2	2
Federal Home Loan Bank stock | Non-marketable equity securities:
Other securities, at cost:
Other securities, Amortized Cost	276	169
Other securities, Gross Gains	0	0
Other securities, Gross Losses	0	0
Other securities, Fair Value	276	169
Federal Reserve Bank stock | Non-marketable equity securities:
Other securities, at cost:
Other securities, Amortized Cost	519	507
Other securities, Gross Gains	0	0
Other securities, Gross Losses	0	0
Other securities, Fair Value	$ 519	$ 507

INVESTMENT SECURITIES AND OTH_4

INVESTMENT SECURITIES AND OTHER SECURITIES - Contractual Maturities (Details) - USD ($) $ in Millions	Jun. 30, 2024	Dec. 31, 2023
Available-for-sale securities, amortized cost:
Under 1 year	$ 5,480	$ 3,380
After 1 year through 5 years	3,769	2,484
After 5 years through 10 years	2,396	2,392
After 10 years	19,356	20,309
Total available-for-sale securities	31,001	28,565
Available-for-sale securities, fair value:
Under 1 year	5,469	3,372
After 1 year through 5 years	3,608	2,338
After 5 years through 10 years	2,235	2,255
After 10 years	16,142	17,340
Total available-for-sale securities	27,454	25,305
Held-to-maturity securities, amortized cost:
Under 1 year	0	1
After 1 year through 5 years	38	48
After 5 years through 10 years	64	69
After 10 years	14,934	15,632
Total held-to-maturity securities	15,036	15,750
Held-to-maturity securities, fair value:
Under 1 year	0	1
After 1 year through 5 years	37	46
After 5 years through 10 years	60	66
After 10 years	12,633	13,605
Total held-to-maturity securities	$ 12,730	$ 13,718

INVESTMENT SECURITIES AND OTH_5

INVESTMENT SECURITIES AND OTHER SECURITIES - Continuous Unrealized Loss Position (Details) - USD ($) $ in Millions	Jun. 30, 2024	Dec. 31, 2023
Available-for-sale securities:
Less than 12 months, fair value	$ 4,105	$ 1,375
Less than 12 months, gross unrealized losses	(35)	(28)
12 months or longer, fair value	19,666	20,381
12 months or longer, gross unrealized losses	(3,604)	(3,317)
Total, fair value	23,771	21,756
Total, gross unrealized losses	(3,639)	(3,345)
Held-to-maturity securities:
Less than 12 months, fair value	283	156
Less than 12 months, gross unrealized losses	(4)	(1)
12 months or longer, fair value	12,235	13,030
12 months or longer, gross unrealized losses	(2,303)	(2,038)
Total held-to-maturity securities	12,518	13,186
Total, gross unrealized losses	(2,307)	(2,039)
U.S. Treasury
Available-for-sale securities:
Less than 12 months, fair value	2,761
Less than 12 months, gross unrealized losses	(2)
12 months or longer, fair value	0
12 months or longer, gross unrealized losses	0
Total, fair value	2,761
Total, gross unrealized losses	(2)
Total U.S. Treasury, federal agency, and other agency securities
Available-for-sale securities:
Less than 12 months, fair value	3,257	750
Less than 12 months, gross unrealized losses	(10)	(9)
12 months or longer, fair value	14,872	15,462
12 months or longer, gross unrealized losses	(3,166)	(2,890)
Total, fair value	18,129	16,212
Total, gross unrealized losses	(3,176)	(2,899)
Held-to-maturity securities:
Less than 12 months, fair value	283	156
Less than 12 months, gross unrealized losses	(4)	(1)
12 months or longer, fair value	12,235	13,030
12 months or longer, gross unrealized losses	(2,303)	(2,038)
Total held-to-maturity securities	12,518	13,186
Total, gross unrealized losses	(2,307)	(2,039)
Residential CMO
Available-for-sale securities:
Less than 12 months, fair value	223	543
Less than 12 months, gross unrealized losses	(4)	(7)
12 months or longer, fair value	2,769	2,641
12 months or longer, gross unrealized losses	(444)	(401)
Total, fair value	2,992	3,184
Total, gross unrealized losses	(448)	(408)
Held-to-maturity securities:
Less than 12 months, fair value	202	156
Less than 12 months, gross unrealized losses	(2)	(1)
12 months or longer, fair value	3,416	3,542
12 months or longer, gross unrealized losses	(712)	(663)
Total held-to-maturity securities	3,618	3,698
Total, gross unrealized losses	(714)	(664)
Residential MBS
Available-for-sale securities:
Less than 12 months, fair value	273	207
Less than 12 months, gross unrealized losses	(4)	(2)
12 months or longer, fair value	10,253	10,913
12 months or longer, gross unrealized losses	(1,968)	(1,774)
Total, fair value	10,526	11,120
Total, gross unrealized losses	(1,972)	(1,776)
Held-to-maturity securities:
Less than 12 months, fair value	81	0
Less than 12 months, gross unrealized losses	(2)	0
12 months or longer, fair value	7,530	8,108
12 months or longer, gross unrealized losses	(1,343)	(1,145)
Total held-to-maturity securities	7,611	8,108
Total, gross unrealized losses	(1,345)	(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	1,778	1,827
12 months or longer, gross unrealized losses	(747)	(709)
Total, fair value	1,778	1,827
Total, gross unrealized losses	(747)	(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	1,208	1,285
12 months or longer, gross unrealized losses	(242)	(224)
Total held-to-maturity securities	1,208	1,285
Total, gross unrealized losses	(242)	(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	72	81
12 months or longer, gross unrealized losses	(7)	(6)
Total, fair value	72	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	81	95
12 months or longer, gross unrealized losses	(6)	(6)
Total held-to-maturity securities	81	95
Total, gross unrealized losses	(6)	(6)
Municipal securities
Available-for-sale securities:
Less than 12 months, fair value	848	625
Less than 12 months, gross unrealized losses	(25)	(19)
12 months or longer, fair value	2,422	2,496
12 months or longer, gross unrealized losses	(153)	(146)
Total, fair value	3,270	3,121
Total, gross unrealized losses	(178)	(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	92	99
12 months or longer, gross unrealized losses	(12)	(12)
Total, fair value	92	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	271	281
12 months or longer, gross unrealized losses	(26)	(31)
Total, fair value	271	281
Total, gross unrealized losses	(26)	(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	2,009	2,043
12 months or longer, gross unrealized losses	(247)	(238)
Total, fair value	2,009	2,043
Total, gross unrealized losses	$ (247)	$ (238)

INVESTMENT SECURITIES AND OTH_6

INVESTMENT SECURITIES AND OTHER SECURITIES - Narrative (Details) $ in Millions	3 Months Ended
	Jun. 30, 2024 USD ($) security	Dec. 31, 2023 USD ($)
Investment Securities [Line Items]
AFS debt security charge-off	$ 2
Number of municipal bonds classified as AFS debt securities | security	1
Allowance related to investment securities	$ 0	$ 0
Allowance related to investment securities, available for sale securities	0	0
Asset Pledged as Collateral
Investment Securities [Line Items]
Investment securities pledged	$ 37,600	$ 35,100

LOANS AND LEASES - Loan and Lea

LOANS AND LEASES - Loan and Lease Portfolio Composition (Details) - USD ($) $ in Millions		Jun. 30, 2024	Mar. 31, 2024	Dec. 31, 2023	Jun. 30, 2023	Mar. 31, 2023	Dec. 31, 2022
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		$ 124,422		$ 121,982
Allowance for loan and lease losses		(2,304)	$ (2,280)	(2,255)	$ (2,177)	$ (2,142)	$ (2,121)
Net loans and leases	[1]	122,118		119,727
Loans and leases net premium (discount)		354		(323)
Commercial and industrial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		52,307		50,657
Commercial real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		11,933		12,422
Lease financing
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		5,202		5,228
Residential mortgage
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		24,069		23,720
Automobile
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		13,233		12,482
RV and marine
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		6,042		5,899
Other consumer
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		1,560		1,461
Commercial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		69,442		68,307
Allowance for loan and lease losses		(1,587)	(1,589)	(1,563)	(1,483)	(1,457)	(1,424)
Accrued interest receivable		325		333
Commercial | Commercial and industrial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		52,307		50,657
Commercial | Commercial real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		11,933		12,422
Commercial | Lease financing
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		5,202		5,228
Consumer
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		54,980		53,675
Allowance for loan and lease losses		(717)	$ (691)	(692)	$ (694)	$ (685)	$ (697)
Accrued interest receivable		221		220
Consumer | Residential mortgage
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		24,069		23,720
Consumer | Automobile
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		13,233		12,482
Consumer | Home equity
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		10,076		10,113
Consumer | RV and marine
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		6,042		5,899
Consumer | Other consumer
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		$ 1,560		$ 1,461
[1] Includes VIE balances in net loans and leases and long-term debt of $1.4 billion and $1.3 billion, respectively, at June 30, 2024, and VIE balances in other assets of $173 million and $82 million, and other liabilities of $63 million and $57 million, at June 30, 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		6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023	Dec. 31, 2023
Accounts, Notes, Loans and Financing Receivable [Line Items]
Carrying value of residual values guaranteed	$ 479		$ 479		$ 478
Future lease rental payments due on sales-type and direct financing leases	5,000		5,000
Future lease rental payments due on sales-type and direct financing leases, year one	557		557
Future lease rental payments due on sales-type and direct financing leases, year two	895		895
Future lease rental payments due on sales-type and direct financing leases, year three	855		855
Future lease rental payments due on sales-type and direct financing leases, year four	865		865
Future lease rental payments due on sales-type and direct financing leases, year five	875		875
Future lease rental payments due on sales-type and direct financing leases, after year five	929		929
Direct financing leases, interest income	81	$ 70	160	$ 138
Commercial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Lease payments receivable	4,976		4,976		4,980
Estimated residual value of leased assets	813		813		804
Gross investment in lease financing receivables	5,789		5,789		5,784
Deferred origination costs	54		54		54
Deferred fees, unearned income and other	(641)		(641)		(610)
Total lease financing receivables	$ 5,202		$ 5,202		$ 5,228

LOANS AND LEASES - Nonaccrual L

LOANS AND LEASES - Nonaccrual Loans by Loan Class (Details) - USD ($) $ in Millions	Jun. 30, 2024	Dec. 31, 2023
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonaccrual loans and leases with no ACL	$ 137	$ 133
Total nonaccrual loans and leases	733	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	346	344
Commercial | Commercial real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonaccrual loans and leases with no ACL	69	64
Total nonaccrual loans and leases	194	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	13	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	80	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	95	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	Jun. 30, 2024	Dec. 31, 2023
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases	$ 124,422	$ 121,982
Loans Accounted for Under FVO	175	174
90 or more days past due and accruing	175	189
Total
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases	1,248	1,205
30-59 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases	527	543
60-89  Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases	195	235
90 or  more days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases	526	427
Current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases	122,999	120,603
Commercial and industrial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases	52,307	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	256	228
Commercial and industrial | 30-59 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases	80	90
Commercial and industrial | 60-89  Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases	35	48
Commercial and industrial | 90 or  more days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases	141	90
Commercial and industrial | Current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases	52,051	50,429
Commercial real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases	11,933	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	108	80
Commercial real estate | 30-59 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases	4	28
Commercial real estate | 60-89  Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases	10	20
Commercial real estate | 90 or  more days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases	94	32
Commercial real estate | Current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases	11,825	12,342
Lease financing
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases	5,202	5,228
Loans Accounted for Under FVO	0	0
90 or more days past due and accruing	4	4
Lease financing | Total
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases	57	59
Lease financing | 30-59 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases	40	35
Lease financing | 60-89  Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases	12	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	5,145	5,169
Residential mortgage
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases	24,069	23,720
Loans Accounted for Under FVO	175	174
90 or more days past due and accruing	138	146
Residential mortgage | Total
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases	484	486
Residential mortgage | 30-59 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases	218	205
Residential mortgage | 60-89  Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases	79	88
Residential mortgage | 90 or  more days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases	187	193
Residential mortgage | Current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases	23,410	23,060
Automobile
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases	13,233	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	119	124
Automobile | 30-59 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases	88	89
Automobile | 60-89  Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases	20	23
Automobile | 90 or  more days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases	11	12
Automobile | Current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases	13,114	12,358
Home equity
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases	10,076	10,113
Loans Accounted for Under FVO	0	0
90 or more days past due and accruing	18	22
Home equity | Total
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases	174	181
Home equity | 30-59 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases	65	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	80	83
Home equity | Current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases	9,902	9,932
RV and marine
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases	6,042	5,899
Loans Accounted for Under FVO	0	0
90 or more days past due and accruing	3	3
RV and marine | Total
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases	28	26
RV and marine | 30-59 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases	19	17
RV and marine | 60-89  Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases	5	5
RV and marine | 90 or  more days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases	4	4
RV and marine | Current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases	6,014	5,873
Other consumer
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases	1,560	1,461
Loans Accounted for Under FVO	0	0
90 or more days past due and accruing	3	4
Other consumer | Total
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases	22	21
Other consumer | 30-59 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases	13	13
Other consumer | 60-89  Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases	5	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	$ 1,538	$ 1,440

LOANS AND LEASES - Vintage and

LOANS AND LEASES - Vintage and Credit Quality (Details) - USD ($) $ in Millions	Jun. 30, 2024	Dec. 31, 2023
Financing Receivable, Credit Quality Indicator [Line Items]
Loans and leases	$ 124,422	$ 121,982
Commercial and industrial
Financing Receivable, Credit Quality Indicator [Line Items]
Loans and leases	52,307	50,657
Automobile
Financing Receivable, Credit Quality Indicator [Line Items]
Loans and leases	13,233	12,482
Home equity
Financing Receivable, Credit Quality Indicator [Line Items]
Loans and leases	10,076	10,113
RV and marine
Financing Receivable, Credit Quality Indicator [Line Items]
Loans and leases	6,042	5,899
Other consumer
Financing Receivable, Credit Quality Indicator [Line Items]
Loans and leases	1,560	1,461
Commercial
Financing Receivable, Credit Quality Indicator [Line Items]
Loans and leases	69,442	68,307
Commercial | Commercial and industrial
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year	8,435	15,283
Financing receivable, year before current fiscal year	10,691	10,433
Financing receivable, two years before current fiscal year	8,501	3,925
Financing receivable, three years before current fiscal year	3,221	2,321
Financing receivable, four years before current fiscal year	1,988	1,282
Financing receivable, more than five years before current fiscal year	2,364	1,635
Revolver Total at Amortized Cost Basis	17,102	15,775
Revolver Total Converted to Term Loans	5	3
Loans and leases	52,307	50,657
Commercial | Commercial and industrial | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year	8,164	14,677
Financing receivable, year before current fiscal year	10,077	9,889
Financing receivable, two years before current fiscal year	7,883	3,673
Financing receivable, three years before current fiscal year	2,992	2,151
Financing receivable, four years before current fiscal year	1,870	1,187
Financing receivable, more than five years before current fiscal year	2,137	1,431
Revolver Total at Amortized Cost Basis	15,943	14,563
Revolver Total Converted to Term Loans	5	3
Loans and leases	49,071	47,574
Commercial | Commercial and industrial | OLEM
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year	66	213
Financing receivable, year before current fiscal year	242	239
Financing receivable, two years before current fiscal year	123	64
Financing receivable, three years before current fiscal year	53	20
Financing receivable, four years before current fiscal year	17	12
Financing receivable, more than five years before current fiscal year	30	20
Revolver Total at Amortized Cost Basis	259	462
Revolver Total Converted to Term Loans	0	0
Loans and leases	790	1,030
Commercial | Commercial and industrial | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year	205	393
Financing receivable, year before current fiscal year	372	305
Financing receivable, two years before current fiscal year	495	188
Financing receivable, three years before current fiscal year	176	150
Financing receivable, four years before current fiscal year	101	83
Financing receivable, more than five years before current fiscal year	197	184
Revolver Total at Amortized Cost Basis	900	750
Revolver Total Converted to Term Loans	0	0
Loans and leases	2,446	2,053
Commercial real estate
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year	776	1,722
Financing receivable, year before current fiscal year	1,445	4,063
Financing receivable, two years before current fiscal year	3,755	2,062
Financing receivable, three years before current fiscal year	1,837	1,138
Financing receivable, four years before current fiscal year	1,082	1,321
Financing receivable, more than five years before current fiscal year	2,432	1,456
Revolver Total at Amortized Cost Basis	606	660
Revolver Total Converted to Term Loans	0	0
Loans and leases	11,933	12,422
Commercial real estate | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year	625	1,395
Financing receivable, year before current fiscal year	1,246	3,253
Financing receivable, two years before current fiscal year	3,119	1,774
Financing receivable, three years before current fiscal year	1,490	1,063
Financing receivable, four years before current fiscal year	1,058	1,152
Financing receivable, more than five years before current fiscal year	2,134	1,288
Revolver Total at Amortized Cost Basis	531	585
Revolver Total Converted to Term Loans	0	0
Loans and leases	10,203	10,510
Commercial real estate | OLEM
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year	25	163
Financing receivable, year before current fiscal year	25	406
Financing receivable, two years before current fiscal year	387	112
Financing receivable, three years before current fiscal year	173	65
Financing receivable, four years before current fiscal year	1	32
Financing receivable, more than five years before current fiscal year	81	54
Revolver Total at Amortized Cost Basis	60	60
Revolver Total Converted to Term Loans	0	0
Loans and leases	752	892
Commercial real estate | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year	126	164
Financing receivable, year before current fiscal year	174	404
Financing receivable, two years before current fiscal year	249	176
Financing receivable, three years before current fiscal year	174	10
Financing receivable, four years before current fiscal year	23	137
Financing receivable, more than five years before current fiscal year	217	114
Revolver Total at Amortized Cost Basis	15	15
Revolver Total Converted to Term Loans	0	0
Loans and leases	978	1,020
Lease financing
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year	853	2,009
Financing receivable, year before current fiscal year	1,835	1,372
Financing receivable, two years before current fiscal year	1,122	865
Financing receivable, three years before current fiscal year	689	604
Financing receivable, four years before current fiscal year	462	258
Financing receivable, more than five years before current fiscal year	241	120
Revolver Total at Amortized Cost Basis	0	0
Revolver Total Converted to Term Loans	0	0
Loans and leases	5,202	5,228
Lease financing | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year	851	1,973
Financing receivable, year before current fiscal year	1,804	1,284
Financing receivable, two years before current fiscal year	1,072	828
Financing receivable, three years before current fiscal year	674	583
Financing receivable, four years before current fiscal year	449	243
Financing receivable, more than five years before current fiscal year	221	106
Revolver Total at Amortized Cost Basis	0	0
Revolver Total Converted to Term Loans	0	0
Loans and leases	5,071	5,017
Lease financing | OLEM
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year	1	16
Financing receivable, year before current fiscal year	14	22
Financing receivable, two years before current fiscal year	16	6
Financing receivable, three years before current fiscal year	3	5
Financing receivable, four years before current fiscal year	6	2
Financing receivable, more than five years before current fiscal year	9	9
Revolver Total at Amortized Cost Basis	0	0
Revolver Total Converted to Term Loans	0	0
Loans and leases	49	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	17	66
Financing receivable, two years before current fiscal year	34	31
Financing receivable, three years before current fiscal year	12	16
Financing receivable, four years before current fiscal year	7	13
Financing receivable, more than five years before current fiscal year	11	5
Revolver Total at Amortized Cost Basis	0	0
Revolver Total Converted to Term Loans	0	0
Loans and leases	82	151
Consumer
Financing Receivable, Credit Quality Indicator [Line Items]
Loans and leases	54,980	53,675
Consumer | Residential mortgage
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year	1,166	3,051
Financing receivable, year before current fiscal year	3,073	5,066
Financing receivable, two years before current fiscal year	4,955	7,074
Financing receivable, three years before current fiscal year	6,814	3,866
Financing receivable, four years before current fiscal year	3,693	1,020
Financing receivable, more than five years before current fiscal year	4,193	3,469
Revolver Total at Amortized Cost Basis	0	0
Revolver Total Converted to Term Loans	0	0
Loans and leases	23,894	23,546
Consumer | Residential mortgage | 750+
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year	802	2,077
Financing receivable, year before current fiscal year	2,379	3,963
Financing receivable, two years before current fiscal year	4,048	6,028
Financing receivable, three years before current fiscal year	5,872	3,292
Financing receivable, four years before current fiscal year	3,167	749
Financing receivable, more than five years before current fiscal year	2,771	2,191
Revolver Total at Amortized Cost Basis	0	0
Revolver Total Converted to Term Loans	0	0
Loans and leases	19,039	18,300
Consumer | Residential mortgage | 650-749
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year	343	950
Financing receivable, year before current fiscal year	651	1,024
Financing receivable, two years before current fiscal year	809	964
Financing receivable, three years before current fiscal year	840	510
Financing receivable, four years before current fiscal year	462	186
Financing receivable, more than five years before current fiscal year	855	775
Revolver Total at Amortized Cost Basis	0	0
Revolver Total Converted to Term Loans	0	0
Loans and leases	3,960	4,409
Consumer | Residential mortgage | Less than 650
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year	21	24
Financing receivable, year before current fiscal year	43	79
Financing receivable, two years before current fiscal year	98	82
Financing receivable, three years before current fiscal year	102	64
Financing receivable, four years before current fiscal year	64	85
Financing receivable, more than five years before current fiscal year	567	503
Revolver Total at Amortized Cost Basis	0	0
Revolver Total Converted to Term Loans	0	0
Loans and leases	895	837
Consumer | Automobile
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year	3,347	4,232
Financing receivable, year before current fiscal year	3,558	3,550
Financing receivable, two years before current fiscal year	2,909	2,698
Financing receivable, three years before current fiscal year	2,114	1,228
Financing receivable, four years before current fiscal year	877	599
Financing receivable, more than five years before current fiscal year	428	175
Revolver Total at Amortized Cost Basis	0	0
Revolver Total Converted to Term Loans	0	0
Loans and leases	13,233	12,482
Consumer | Automobile | 750+
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year	2,155	2,624
Financing receivable, year before current fiscal year	1,997	1,964
Financing receivable, two years before current fiscal year	1,683	1,525
Financing receivable, three years before current fiscal year	1,230	740
Financing receivable, four years before current fiscal year	532	367
Financing receivable, more than five years before current fiscal year	246	85
Revolver Total at Amortized Cost Basis	0	0
Revolver Total Converted to Term Loans	0	0
Loans and leases	7,843	7,305
Consumer | Automobile | 650-749
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year	1,078	1,438
Financing receivable, year before current fiscal year	1,302	1,305
Financing receivable, two years before current fiscal year	947	907
Financing receivable, three years before current fiscal year	639	370
Financing receivable, four years before current fiscal year	246	168
Financing receivable, more than five years before current fiscal year	117	53
Revolver Total at Amortized Cost Basis	0	0
Revolver Total Converted to Term Loans	0	0
Loans and leases	4,329	4,241
Consumer | Automobile | Less than 650
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year	114	170
Financing receivable, year before current fiscal year	259	281
Financing receivable, two years before current fiscal year	279	266
Financing receivable, three years before current fiscal year	245	118
Financing receivable, four years before current fiscal year	99	64
Financing receivable, more than five years before current fiscal year	65	37
Revolver Total at Amortized Cost Basis	0	0
Revolver Total Converted to Term Loans	0	0
Loans and leases	1,061	936
Consumer | Home equity
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year	141	519
Financing receivable, year before current fiscal year	483	535
Financing receivable, two years before current fiscal year	500	580
Financing receivable, three years before current fiscal year	542	594
Financing receivable, four years before current fiscal year	554	26
Financing receivable, more than five years before current fiscal year	360	388
Revolver Total at Amortized Cost Basis	6,915	6,881
Revolver Total Converted to Term Loans	581	590
Loans and leases	10,076	10,113
Consumer | Home equity | 750+
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year	99	381
Financing receivable, year before current fiscal year	376	429
Financing receivable, two years before current fiscal year	405	512
Financing receivable, three years before current fiscal year	483	534
Financing receivable, four years before current fiscal year	502	17
Financing receivable, more than five years before current fiscal year	228	244
Revolver Total at Amortized Cost Basis	4,487	4,454
Revolver Total Converted to Term Loans	227	233
Loans and leases	6,807	6,804
Consumer | Home equity | 650-749
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year	41	136
Financing receivable, year before current fiscal year	102	100
Financing receivable, two years before current fiscal year	86	65
Financing receivable, three years before current fiscal year	54	57
Financing receivable, four years before current fiscal year	48	7
Financing receivable, more than five years before current fiscal year	89	101
Revolver Total at Amortized Cost Basis	2,019	2,083
Revolver Total Converted to Term Loans	223	230
Loans and leases	2,662	2,779
Consumer | Home equity | Less than 650
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year	1	2
Financing receivable, year before current fiscal year	5	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	43	43
Revolver Total at Amortized Cost Basis	409	344
Revolver Total Converted to Term Loans	131	127
Loans and leases	607	530
Consumer | RV and marine
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year	723	1,499
Financing receivable, year before current fiscal year	1,343	1,231
Financing receivable, two years before current fiscal year	1,133	1,140
Financing receivable, three years before current fiscal year	1,040	764
Financing receivable, four years before current fiscal year	687	400
Financing receivable, more than five years before current fiscal year	1,116	865
Revolver Total at Amortized Cost Basis	0	0
Revolver Total Converted to Term Loans	0	0
Loans and leases	6,042	5,899
Consumer | RV and marine | 750+
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year	605	1,206
Financing receivable, year before current fiscal year	1,010	971
Financing receivable, two years before current fiscal year	897	867
Financing receivable, three years before current fiscal year	784	588
Financing receivable, four years before current fiscal year	529	295
Financing receivable, more than five years before current fiscal year	799	612
Revolver Total at Amortized Cost Basis	0	0
Revolver Total Converted to Term Loans	0	0
Loans and leases	4,624	4,539
Consumer | RV and marine | 650-749
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year	117	289
Financing receivable, year before current fiscal year	317	248
Financing receivable, two years before current fiscal year	216	252
Financing receivable, three years before current fiscal year	224	158
Financing receivable, four years before current fiscal year	136	91
Financing receivable, more than five years before current fiscal year	258	210
Revolver Total at Amortized Cost Basis	0	0
Revolver Total Converted to Term Loans	0	0
Loans and leases	1,268	1,248
Consumer | RV and marine | Less than 650
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year	1	4
Financing receivable, year before current fiscal year	16	12
Financing receivable, two years before current fiscal year	20	21
Financing receivable, three years before current fiscal year	32	18
Financing receivable, four years before current fiscal year	22	14
Financing receivable, more than five years before current fiscal year	59	43
Revolver Total at Amortized Cost Basis	0	0
Revolver Total Converted to Term Loans	0	0
Loans and leases	150	112
Consumer | Other consumer
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year	228	288
Financing receivable, year before current fiscal year	207	128
Financing receivable, two years before current fiscal year	101	59
Financing receivable, three years before current fiscal year	44	26
Financing receivable, four years before current fiscal year	18	23
Financing receivable, more than five years before current fiscal year	68	61
Revolver Total at Amortized Cost Basis	869	846
Revolver Total Converted to Term Loans	25	30
Loans and leases	1,560	1,461
Consumer | Other consumer | 750+
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year	160	186
Financing receivable, year before current fiscal year	126	80
Financing receivable, two years before current fiscal year	65	39
Financing receivable, three years before current fiscal year	30	19
Financing receivable, four years before current fiscal year	14	17
Financing receivable, more than five years before current fiscal year	54	48
Revolver Total at Amortized Cost Basis	435	424
Revolver Total Converted to Term Loans	0	3
Loans and leases	884	816
Consumer | Other consumer | 650-749
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year	66	98
Financing receivable, year before current fiscal year	72	43
Financing receivable, two years before current fiscal year	30	17
Financing receivable, three years before current fiscal year	12	6
Financing receivable, four years before current fiscal year	3	5
Financing receivable, more than five years before current fiscal year	12	12
Revolver Total at Amortized Cost Basis	393	383
Revolver Total Converted to Term Loans	11	13
Loans and leases	599	577
Consumer | Other consumer | Less than 650
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, current fiscal year	2	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	2	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

LOANS AND LEASES - Gross Charge

LOANS AND LEASES - Gross Charge-offs of Loans and Leases (Details) - USD ($) $ in Millions	3 Months Ended		6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, term loans gross charge-offs, current fiscal year	$ 11	$ 3	$ 12	$ 5
Financing receivable, term loans gross charge-offs, year before current fiscal year	17	17	35	42
Financing receivable, term loans gross charge-offs, two years before current fiscal year	49	22	80	55
Financing receivable, term loans gross charge-offs, three years before current fiscal year	14	4	39	14
Financing receivable, term loans gross charge-offs, four years before current fiscal year	3	17	18	24
Financing receivable, term loans gross charge-offs, five years before current fiscal year	30	21	46	30
Financing receivable, revolver gross charge-offs	11	0	21	5
Financing receivable, revolver converted to term loans gross charge-offs	10	8	22	16
Financing receivable, term loans gross charge-offs	145	92	273	191
Commercial
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, term loans gross charge-offs	95	53	169	105
Consumer
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, term loans gross charge-offs	50	39	104	86
Commercial and industrial | Commercial
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, term loans gross charge-offs, current fiscal year	0	1	0	2
Financing receivable, term loans gross charge-offs, year before current fiscal year	5	4	10	18
Financing receivable, term loans gross charge-offs, two years before current fiscal year	19	14	30	17
Financing receivable, term loans gross charge-offs, three years before current fiscal year	7	0	22	6
Financing receivable, term loans gross charge-offs, four years before current fiscal year	0	8	11	12
Financing receivable, term loans gross charge-offs, five years before current fiscal year	2	10	4	10
Financing receivable, revolver gross charge-offs	10	0	20	4
Financing receivable, revolver converted to term loans gross charge-offs	0	1	1	1
Financing receivable, term loans gross charge-offs	43	38	98	70
Commercial real estate | Commercial
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, term loans gross charge-offs, current fiscal year	9	0	9	0
Financing receivable, term loans gross charge-offs, year before current fiscal year	1	3	2	3
Financing receivable, term loans gross charge-offs, two years before current fiscal year	21	0	30	19
Financing receivable, term loans gross charge-offs, three years before current fiscal year	1	0	2	0
Financing receivable, term loans gross charge-offs, four years before current fiscal year	0	5	0	5
Financing receivable, term loans gross charge-offs, five years before current fiscal year	18	5	24	5
Financing receivable, revolver gross charge-offs	0	0	0	0
Financing receivable, revolver converted to term loans gross charge-offs	0	0	0	0
Financing receivable, term loans gross charge-offs	50	13	67	32
Lease financing | Commercial
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, term loans gross charge-offs, current fiscal year	0	0	0	0
Financing receivable, term loans gross charge-offs, year before current fiscal year	1	1	1	1
Financing receivable, term loans gross charge-offs, two years before current fiscal year	1	1	1	1
Financing receivable, term loans gross charge-offs, three years before current fiscal year	0	0	1	0
Financing receivable, term loans gross charge-offs, four years before current fiscal year	0	0	0	0
Financing receivable, term loans gross charge-offs, five years before current fiscal year	0	0	1	1
Financing receivable, revolver gross charge-offs	0	0	0	0
Financing receivable, revolver converted to term loans gross charge-offs	0	0	0	0
Financing receivable, term loans gross charge-offs	2	2	4	3
Residential mortgage | Consumer
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, term loans gross charge-offs, current fiscal year	0	0	0	0
Financing receivable, term loans gross charge-offs, year before current fiscal year	0	0	0	0
Financing receivable, term loans gross charge-offs, two years before current fiscal year	0	0	0	1
Financing receivable, term loans gross charge-offs, three years before current fiscal year	0	0	0	0
Financing receivable, term loans gross charge-offs, four years before current fiscal year	0	0	0	0
Financing receivable, term loans gross charge-offs, five years before current fiscal year	1	1	2	2
Financing receivable, revolver gross charge-offs	0	0	0	0
Financing receivable, revolver converted to term loans gross charge-offs	0	0	0	0
Financing receivable, term loans gross charge-offs	1	1	2	3
Automobile | Consumer
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, term loans gross charge-offs, current fiscal year	0	0	0	0
Financing receivable, term loans gross charge-offs, year before current fiscal year	4	3	8	6
Financing receivable, term loans gross charge-offs, two years before current fiscal year	4	4	9	8
Financing receivable, term loans gross charge-offs, three years before current fiscal year	3	2	7	4
Financing receivable, term loans gross charge-offs, four years before current fiscal year	1	2	3	3
Financing receivable, term loans gross charge-offs, five years before current fiscal year	2	0	2	2
Financing receivable, revolver gross charge-offs	0	0	0	0
Financing receivable, revolver converted to term loans gross charge-offs	0	0	0	0
Financing receivable, term loans gross charge-offs	14	11	29	23
Home equity | Consumer
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, term loans gross charge-offs, current fiscal year	0	0	0	0
Financing receivable, term loans gross charge-offs, year before current fiscal year	0	0	0	0
Financing receivable, term loans gross charge-offs, two years before current fiscal year	0	0	0	0
Financing receivable, term loans gross charge-offs, three years before current fiscal year	0	0	0	0
Financing receivable, term loans gross charge-offs, four years before current fiscal year	0	0	0	0
Financing receivable, term loans gross charge-offs, five years before current fiscal year	0	1		1
Financing receivable, revolver gross charge-offs	1	0	1	1
Financing receivable, revolver converted to term loans gross charge-offs	1	1	3	2
Financing receivable, term loans gross charge-offs	2	2	4	4
RV and marine | Consumer
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, term loans gross charge-offs, current fiscal year	0	0	0	0
Financing receivable, term loans gross charge-offs, year before current fiscal year	0	1	1	1
Financing receivable, term loans gross charge-offs, two years before current fiscal year	1	0	2	1
Financing receivable, term loans gross charge-offs, three years before current fiscal year	1	0	3	1
Financing receivable, term loans gross charge-offs, four years before current fiscal year	1	0	2	1
Financing receivable, term loans gross charge-offs, five years before current fiscal year	3	3	6	4
Financing receivable, revolver gross charge-offs	0	0	0	0
Financing receivable, revolver converted to term loans gross charge-offs	0	0	0	0
Financing receivable, term loans gross charge-offs	6	4	14	8
Other consumer | Consumer
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, term loans gross charge-offs, current fiscal year	2	2	3	3
Financing receivable, term loans gross charge-offs, year before current fiscal year	6	5	13	13
Financing receivable, term loans gross charge-offs, two years before current fiscal year	3	3	8	8
Financing receivable, term loans gross charge-offs, three years before current fiscal year	2	2	4	3
Financing receivable, term loans gross charge-offs, four years before current fiscal year	1	2	2	3
Financing receivable, term loans gross charge-offs, five years before current fiscal year	4	1	7	5
Financing receivable, revolver gross charge-offs	0	0	0	0
Financing receivable, revolver converted to term loans gross charge-offs	9	6	18	13
Financing receivable, term loans gross charge-offs	$ 27	$ 21	$ 55	$ 48

LOANS AND LEASES - Modification

LOANS AND LEASES - Modifications (Details) - USD ($) $ in Millions	3 Months Ended		6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Financing Receivable, Modified [Line Items]
Total	$ 415	$ 297	$ 528	$ 439
% of total loan class	0.33%	0.26%	0.42%	0.38%
Amortized cost basis	$ 753	$ 439	$ 753	$ 439
30-59 Days
Financing Receivable, Modified [Line Items]
Amortized cost basis	28	10	28	10
60-89  Days
Financing Receivable, Modified [Line Items]
Amortized cost basis	9	4	9	4
90 or  more days
Financing Receivable, Modified [Line Items]
Amortized cost basis	21	4	21	4
Total
Financing Receivable, Modified [Line Items]
Amortized cost basis	58	18	58	18
Current
Financing Receivable, Modified [Line Items]
Amortized cost basis	695	421	695	421
Commercial | Commercial and industrial
Financing Receivable, Modified [Line Items]
Total	$ 191	$ 138	$ 270	$ 236
% of total loan class	0.37%	0.28%	0.52%	0.47%
Amortized cost basis	$ 420	$ 236	$ 420	$ 236
Commercial | Commercial and industrial | 30-59 Days
Financing Receivable, Modified [Line Items]
Amortized cost basis	16	1	16	1
Commercial | Commercial and industrial | 60-89  Days
Financing Receivable, Modified [Line Items]
Amortized cost basis	1	1	1	1
Commercial | Commercial and industrial | 90 or  more days
Financing Receivable, Modified [Line Items]
Amortized cost basis	7	0	7	0
Commercial | Commercial and industrial | Total
Financing Receivable, Modified [Line Items]
Amortized cost basis	24	2	24	2
Commercial | Commercial and industrial | Current
Financing Receivable, Modified [Line Items]
Amortized cost basis	396	234	396	234
Commercial | Commercial real estate
Financing Receivable, Modified [Line Items]
Total	$ 198	$ 134	$ 212	$ 148
% of total loan class	1.66%	1.02%	1.78%	1.12%
Amortized cost basis	$ 248	$ 148	$ 248	$ 148
Commercial | Commercial real estate | 30-59 Days
Financing Receivable, Modified [Line Items]
Amortized cost basis	0	0	0	0
Commercial | Commercial real estate | 60-89  Days
Financing Receivable, Modified [Line Items]
Amortized cost basis	0	0	0	0
Commercial | Commercial real estate | 90 or  more days
Financing Receivable, Modified [Line Items]
Amortized cost basis	4	0	4	0
Commercial | Commercial real estate | Total
Financing Receivable, Modified [Line Items]
Amortized cost basis	4	0	4	0
Commercial | Commercial real estate | Current
Financing Receivable, Modified [Line Items]
Amortized cost basis	244	148	244	148
Consumer | Residential mortgage
Financing Receivable, Modified [Line Items]
Total	$ 17	$ 15	$ 28	$ 39
% of total loan class	0.07%	0.06%	0.12%	0.17%
Amortized cost basis	$ 52	$ 39	$ 52	$ 39
Consumer | Residential mortgage | 30-59 Days
Financing Receivable, Modified [Line Items]
Amortized cost basis	9	7	9	7
Consumer | Residential mortgage | 60-89  Days
Financing Receivable, Modified [Line Items]
Amortized cost basis	6	3	6	3
Consumer | Residential mortgage | 90 or  more days
Financing Receivable, Modified [Line Items]
Amortized cost basis	8	4	8	4
Consumer | Residential mortgage | Total
Financing Receivable, Modified [Line Items]
Amortized cost basis	23	14	23	14
Consumer | Residential mortgage | Current
Financing Receivable, Modified [Line Items]
Amortized cost basis	29	25	29	25
Consumer | Automobile
Financing Receivable, Modified [Line Items]
Total	$ 4	$ 5	$ 8	$ 8
% of total loan class	0.03%	0.04%	0.06%	0.06%
Amortized cost basis	$ 15	$ 8	$ 15	$ 8
Consumer | Automobile | 30-59 Days
Financing Receivable, Modified [Line Items]
Amortized cost basis	2	1	2	1
Consumer | Automobile | 60-89  Days
Financing Receivable, Modified [Line Items]
Amortized cost basis	1	0	1	0
Consumer | Automobile | 90 or  more days
Financing Receivable, Modified [Line Items]
Amortized cost basis	0	0	0	0
Consumer | Automobile | Total
Financing Receivable, Modified [Line Items]
Amortized cost basis	3	1	3	1
Consumer | Automobile | Current
Financing Receivable, Modified [Line Items]
Amortized cost basis	12	7	12	7
Consumer | Home equity
Financing Receivable, Modified [Line Items]
Total	$ 4	$ 4	$ 9	$ 6
% of total loan class	0.04%	0.04%	0.09%	0.06%
Amortized cost basis	$ 15	$ 6	$ 15	$ 6
Consumer | Home equity | 30-59 Days
Financing Receivable, Modified [Line Items]
Amortized cost basis	1	1	1	1
Consumer | Home equity | 60-89  Days
Financing Receivable, Modified [Line Items]
Amortized cost basis	1	0	1	0
Consumer | Home equity | 90 or  more days
Financing Receivable, Modified [Line Items]
Amortized cost basis	2	0	2	0
Consumer | Home equity | Total
Financing Receivable, Modified [Line Items]
Amortized cost basis	4	1	4	1
Consumer | Home equity | Current
Financing Receivable, Modified [Line Items]
Amortized cost basis	11	5	11	5
Consumer | RV and marine
Financing Receivable, Modified [Line Items]
Total				$ 1
% of total loan class				0.02%
Amortized cost basis	1	1	1	$ 1
Consumer | RV and marine | 30-59 Days
Financing Receivable, Modified [Line Items]
Amortized cost basis	0	0	0	0
Consumer | RV and marine | 60-89  Days
Financing Receivable, Modified [Line Items]
Amortized cost basis	0	0	0	0
Consumer | RV and marine | 90 or  more days
Financing Receivable, Modified [Line Items]
Amortized cost basis	0	0	0	0
Consumer | RV and marine | Total
Financing Receivable, Modified [Line Items]
Amortized cost basis	0	0	0	0
Consumer | RV and marine | Current
Financing Receivable, Modified [Line Items]
Amortized cost basis	1	1	1	1
Consumer | Other consumer
Financing Receivable, Modified [Line Items]
Total	$ 1	$ 1	$ 1	$ 1
% of total loan class	0.06%	0.07%	0.06%	0.07%
Amortized cost basis	$ 2	$ 1	$ 2	$ 1
Consumer | Other consumer | 30-59 Days
Financing Receivable, Modified [Line Items]
Amortized cost basis	0	0	0	0
Consumer | Other consumer | 60-89  Days
Financing Receivable, Modified [Line Items]
Amortized cost basis	0	0	0	0
Consumer | Other consumer | 90 or  more days
Financing Receivable, Modified [Line Items]
Amortized cost basis	0	0	0	0
Consumer | Other consumer | Total
Financing Receivable, Modified [Line Items]
Amortized cost basis	0	0	0	0
Consumer | Other consumer | Current
Financing Receivable, Modified [Line Items]
Amortized cost basis	2	1	2	1
Interest rate reduction
Financing Receivable, Modified [Line Items]
Total	35	1	85	36
Interest rate reduction | Commercial | Commercial and industrial
Financing Receivable, Modified [Line Items]
Total	$ 34	0	$ 84	$ 35
Interest rate reduction | Commercial | Commercial and industrial | Minimum
Financing Receivable, Modified [Line Items]
Weighted-average contractual interest rate	8.46%		8.40%	7.68%
Interest rate reduction | Commercial | Commercial and industrial | Maximum
Financing Receivable, Modified [Line Items]
Weighted-average contractual interest rate	8.21%		7.57%	6.94%
Interest rate reduction | Commercial | Commercial real estate
Financing Receivable, Modified [Line Items]
Total	$ 0	0	$ 0	$ 0
Interest rate reduction | Commercial | Commercial real estate | Minimum
Financing Receivable, Modified [Line Items]
Weighted-average contractual interest rate			7.98%
Interest rate reduction | Commercial | Commercial real estate | Maximum
Financing Receivable, Modified [Line Items]
Weighted-average contractual interest rate			7.85%
Interest rate reduction | Consumer | Commercial real estate | Minimum
Financing Receivable, Modified [Line Items]
Weighted-average contractual interest rate	7.98%
Interest rate reduction | Consumer | Commercial real estate | Maximum
Financing Receivable, Modified [Line Items]
Weighted-average contractual interest rate	7.85%
Interest rate reduction | Consumer | Residential mortgage
Financing Receivable, Modified [Line Items]
Total	$ 0	0	$ 0	$ 0
Interest rate reduction | Consumer | Residential mortgage | Minimum
Financing Receivable, Modified [Line Items]
Weighted-average contractual interest rate
Interest rate reduction | Consumer | Residential mortgage | Maximum
Financing Receivable, Modified [Line Items]
Weighted-average contractual interest rate
Interest rate reduction | Consumer | Automobile
Financing Receivable, Modified [Line Items]
Total	0	0	$ 0	0
Interest rate reduction | Consumer | Home equity
Financing Receivable, Modified [Line Items]
Total	0	0	$ 0	$ 0
Interest rate reduction | Consumer | Home equity | Minimum
Financing Receivable, Modified [Line Items]
Weighted-average contractual interest rate			9.28%	8.37%
Interest rate reduction | Consumer | Home equity | Maximum
Financing Receivable, Modified [Line Items]
Weighted-average contractual interest rate			6.69%	5.86%
Interest rate reduction | Consumer | RV and marine
Financing Receivable, Modified [Line Items]
Total				$ 0
Interest rate reduction | Consumer | Other consumer
Financing Receivable, Modified [Line Items]
Total	1	1	$ 1	1
Term extension
Financing Receivable, Modified [Line Items]
Total	321	289	375	390
Term extension | Commercial | Commercial and industrial
Financing Receivable, Modified [Line Items]
Total	$ 116	$ 138	$ 144	$ 198
Weighted-average years added to the life	8 months 12 days	8 months 12 days	9 months 18 days	10 months 24 days
Term extension | Commercial | Commercial real estate
Financing Receivable, Modified [Line Items]
Total	$ 184	$ 134	$ 198	$ 148
Weighted-average years added to the life	4 months 24 days	6 months	4 months 24 days	6 months
Term extension | Consumer | Residential mortgage
Financing Receivable, Modified [Line Items]
Total	$ 15	$ 12	$ 23	$ 35
Weighted-average years added to the life	7 years 4 months 24 days	8 years 9 months 18 days	7 years 7 months 6 days	7 years 2 months 12 days
Term extension | Consumer | Automobile
Financing Receivable, Modified [Line Items]
Total	$ 4	$ 4	$ 7	$ 7
Weighted-average years added to the life			1 year 7 months 6 days	2 years
Term extension | Consumer | Home equity
Financing Receivable, Modified [Line Items]
Total	2	1	$ 3	$ 1
Weighted-average years added to the life			12 years 10 months 24 days	15 years 6 months
Term extension | Consumer | RV and marine
Financing Receivable, Modified [Line Items]
Total				$ 1
Term extension | Consumer | Other consumer
Financing Receivable, Modified [Line Items]
Total	0	0	$ 0	0
Payment deferral
Financing Receivable, Modified [Line Items]
Total	1	2	4	2
Payment deferral | Commercial | Commercial and industrial
Financing Receivable, Modified [Line Items]
Total	0	0	0	0
Payment deferral | Commercial | Commercial real estate
Financing Receivable, Modified [Line Items]
Total	0	0	0	0
Payment deferral | Consumer | Residential mortgage
Financing Receivable, Modified [Line Items]
Total	1	2	4	2
Payment deferral | Consumer | Automobile
Financing Receivable, Modified [Line Items]
Total	0	0	0	0
Payment deferral | Consumer | Home equity
Financing Receivable, Modified [Line Items]
Total	0	0	0	0
Payment deferral | Consumer | RV and marine
Financing Receivable, Modified [Line Items]
Total				0
Payment deferral | Consumer | Other consumer
Financing Receivable, Modified [Line Items]
Total	0	0	0	0
Combo - interest rate reduction and term extension
Financing Receivable, Modified [Line Items]
Total	58	5	64	11
Combo - interest rate reduction and term extension | Commercial | Commercial and industrial
Financing Receivable, Modified [Line Items]
Total	41	0	42	3
Combo - interest rate reduction and term extension | Commercial | Commercial real estate
Financing Receivable, Modified [Line Items]
Total	14	0	14	0
Combo - interest rate reduction and term extension | Consumer | Residential mortgage
Financing Receivable, Modified [Line Items]
Total	1	1	1	2
Combo - interest rate reduction and term extension | Consumer | Automobile
Financing Receivable, Modified [Line Items]
Total	0	1	1	1
Combo - interest rate reduction and term extension | Consumer | Home equity
Financing Receivable, Modified [Line Items]
Total	2	3	6	5
Combo - interest rate reduction and term extension | Consumer | RV and marine
Financing Receivable, Modified [Line Items]
Total				0
Combo - interest rate reduction and term extension | Consumer | Other consumer
Financing Receivable, Modified [Line Items]
Total	$ 0	$ 0	$ 0	$ 0

LOANS AND LEASES - Narrative (D

LOANS AND LEASES - Narrative (Details) - USD ($) $ in Billions	Jun. 30, 2024	Dec. 31, 2023
Receivables [Abstract]
FHLB borrowings and advances, collateral	$ 101.2	$ 101.8

ALLOWANCE FOR CREDIT LOSSES - A

ALLOWANCE FOR CREDIT LOSSES - Allowance Roll-forward (Details) - USD ($) $ in Millions	3 Months Ended		6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023	Dec. 31, 2023
Financing Receivable, Allowance for Credit Loss [Roll Forward]
ALLL balance, beginning of period	$ 2,280	$ 2,142	$ 2,255	$ 2,121
Loan and lease charge-offs	(145)	(92)	(273)	(191)
Recoveries of loans and leases previously charged-off	55	43	91	85
Provision for loan and lease losses	114	84	231	162
ALLL balance, end of period	2,304	2,177	2,304	2,177
AULC balance, beginning of period	135	157	145	150
Provision for unfunded lending commitments	(16)	8	(26)	15
AULC balance, end of period	119	165	119	165
ACL balance, end of period	2,423	2,342	2,423	2,342
Commercial
Financing Receivable, Allowance for Credit Loss [Roll Forward]
ALLL balance, beginning of period	1,589	1,457	1,563	1,424
Loan and lease charge-offs	(95)	(53)	(169)	(105)
Recoveries of loans and leases previously charged-off	38	26	57	49
Provision for loan and lease losses	55	53	136	115
ALLL balance, end of period	1,587	1,483	1,587	1,483
AULC balance, beginning of period	69	75	66	71
Provision for unfunded lending commitments	(5)	3	(2)	7
AULC balance, end of period	64	78	64	78
ACL balance, end of period	1,651	1,561	1,651	1,561	$ 1,600
Consumer
Financing Receivable, Allowance for Credit Loss [Roll Forward]
ALLL balance, beginning of period	691	685	692	697
Loan and lease charge-offs	(50)	(39)	(104)	(86)
Recoveries of loans and leases previously charged-off	17	17	34	36
Provision for loan and lease losses	59	31	95	47
ALLL balance, end of period	717	694	717	694
AULC balance, beginning of period	66	82	79	79
Provision for unfunded lending commitments	(11)	5	(24)	8
AULC balance, end of period	55	87	55	87
ACL balance, end of period	$ 772	$ 781	$ 772	$ 781	$ 771

ALLOWANCE FOR CREDIT LOSSES - N

ALLOWANCE FOR CREDIT LOSSES - Narrative (Details) - USD ($) $ in Millions	6 Months Ended
	Jun. 30, 2024	Dec. 31, 2023	Jun. 30, 2023
Accounts, Notes, Loans and Financing Receivable [Line Items]
ACL balance, end of period	$ 2,423		$ 2,342
ACL, period increase (decrease)	23
Commercial
Accounts, Notes, Loans and Financing Receivable [Line Items]
ACL balance, end of period	1,651	$ 1,600	1,561
ACL, period increase (decrease)	22
Consumer
Accounts, Notes, Loans and Financing Receivable [Line Items]
ACL balance, end of period	$ 772	$ 771	$ 781

MORTGAGE LOAN SALES AND SERVI_3

MORTGAGE LOAN SALES AND SERVICING RIGHTS - Residential Mortgage Portfolio (Details) - Residential mortgage - USD ($) $ in Millions	3 Months Ended		6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Servicing Asset at Amortized Cost [Line Items]
Loans sold with servicing retained	$ 983	$ 1,117	$ 1,794	$ 1,979
Pretax gains resulting from above loan sales	19	15	32	22
Total servicing, late, and other ancillary fees	$ 25	$ 24	$ 51	$ 48

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		6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Servicing Asset at Fair Value, Amount [Roll Forward]
Fair value, beginning of period	$ 534	$ 485	$ 515	$ 494
New servicing assets created	11	18	21	31
Time decay	(7)	(6)	(13)	(12)
Payoffs	(7)	(7)	(12)	(11)
Changes in valuation inputs or assumptions	12	15	32	3
Fair value, end of period	543	505	543	505
Loans serviced for third parties, unpaid principal balance, end of period	$ 33,404	$ 32,712	$ 33,404	$ 32,712

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	6 Months Ended	12 Months Ended
	Jun. 30, 2024	Dec. 31, 2023
Servicing Assets at Fair Value [Line Items]
Constant prepayment rate (annualized), actual	8.48%	8.61%
Constant prepayment rate (annualized), 10% adverse change	$ (15)	$ (15)
Constant prepayment rate (annualized), 20% adverse change	$ (29)	$ (28)
Spread over forward interest rate swap rates, actual	5.23%	5.38%
Spread over forward interest rate swap rates, 10% adverse change	$ (11)	$ (11)
Spread over forward interest rate swap rates, 20% adverse change	$ (22)	$ (22)

BORROWINGS - Schedule of Short-

BORROWINGS - Schedule of Short-Term Debt (Details) - USD ($) $ in Millions	Jun. 30, 2024	Dec. 31, 2023
Short-term Debt [Line Items]
Short-term borrowings	$ 187	$ 620
Securities sold under agreements to repurchase
Short-term Debt [Line Items]
Short-term borrowings	133	618
Other borrowings
Short-term Debt [Line Items]
Short-term borrowings	$ 54	$ 2

BORROWINGS - Schedule of Long-T

BORROWINGS - Schedule of Long-Term Debt and Debt Issuances (Details) - USD ($) $ in Millions		Jun. 30, 2024	Dec. 31, 2023
Debt Instrument [Line Items]
Long-term debt	[1]	$ 16,461	$ 12,394
Federal Home Loan Bank advances
Debt Instrument [Line Items]
Long-term debt		4,686	2,731
Auto Loan Securitization Trust
Debt Instrument [Line Items]
Long-term debt		$ 1,265	0
Weighted average rate		5.38%
Credit Linked Notes
Debt Instrument [Line Items]
Long-term debt		$ 480	0
Other borrowings
Debt Instrument [Line Items]
Long-term debt		512	528
Parent
Debt Instrument [Line Items]
Long-term debt		6,154	4,993
Parent | Senior Notes
Debt Instrument [Line Items]
Long-term debt		5,409	4,233
Parent | Subordinated Notes
Debt Instrument [Line Items]
Long-term debt		745	760
Bank
Debt Instrument [Line Items]
Long-term debt		3,364	4,142
Bank | Senior Notes
Debt Instrument [Line Items]
Long-term debt		2,700	3,480
Bank | Subordinated Notes
Debt Instrument [Line Items]
Long-term debt		$ 664	$ 662
[1] Includes VIE balances in net loans and leases and long-term debt of $1.4 billion and $1.3 billion, respectively, at June 30, 2024, and VIE balances in other assets of $173 million and $82 million, and other liabilities of $63 million and $57 million, at June 30, 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	6 Months Ended
	Jun. 30, 2024	Jun. 30, 2024	Dec. 31, 2023
Debt Instrument [Line Items]
Carrying value of assets pledged as collateral against repurchase agreements	$ 156	$ 156	$ 840
Maturity term		60 days
Credit Linked Notes | Huntington National Bank Unsecured Notes Maturing May 20, 2032
Debt Instrument [Line Items]
Debt face amount	$ 478	$ 478
Debt stated interest rate	6.153%	6.153%
Weighted average rate	6.98%	6.98%
Credit Linked Notes | Huntington National Bank Unsecured Notes Maturing May 20, 2032 | Minimum
Debt Instrument [Line Items]
Basis spread on variable rate	1.40%
Credit Linked Notes | Huntington National Bank Unsecured Notes Maturing May 20, 2032 | Maximum
Debt Instrument [Line Items]
Basis spread on variable rate	8.25%
Credit Linked Notes | Huntington National Bank Unsecured Notes Maturing May 20, 2032 | Weighted Average
Debt Instrument [Line Items]
Basis spread on variable rate	3.04%
Auto Loan Securitization Trust | Huntington National Bank Unsecured Notes Maturing May 20, 2032
Debt Instrument [Line Items]
Reference pool	$ 4,000	$ 4,000

OTHER COMPREHENSIVE INCOME - Ac

OTHER COMPREHENSIVE INCOME - Activity/Roll Forward (Details) - USD ($) $ in Millions	3 Months Ended		6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Pretax
Other comprehensive income (loss), pretax			$ (305)	$ 104
Tax (Expense) Benefit
Total other comprehensive income (loss), tax (expense) benefit			70	(12)
After-tax
Other comprehensive income (loss), net of tax	$ (32)	$ (251)	(235)	92
Unrealized gains and (losses) on debt securities
Pretax
Unrealized losses on available-for-sale securities arising during the period, net of hedges	(93)	(143)	(263)	54
Reclassification from AOCI, before tax	2	35	5	38
Tax (Expense) Benefit
OCI before reclassification, tax	21	33	61	(12)
Reclassification adjustment for realized net losses included in net income	0	(8)	(1)	(9)
After-tax
Unrealized gains (losses) on available-for-sale securities arising during the period, net of hedges	(72)	(110)	(202)	42
Reclassification adjustment for realized net losses included in net income	2	27	4	29
Net change related to cash flow hedges on loans
Pretax
Unrealized losses on available-for-sale securities arising during the period, net of hedges	(20)	(266)		(35)
Reclassification from AOCI, before tax	68	34	135	46
Tax (Expense) Benefit
OCI before reclassification, tax	5	65		12
Reclassification adjustment for realized net losses included in net income	(16)	(2)	(32)	(3)
After-tax
Unrealized gains (losses) on available-for-sale securities arising during the period, net of hedges	(15)	(201)		(23)
Reclassification adjustment for realized net losses included in net income	52	32	103	43
Net change related to cash flow hedges on loans | Cash Flow Hedges
Pretax
Other comprehensive income (loss), pretax	48	(232)	(46)	11
Tax (Expense) Benefit
Total other comprehensive income (loss), tax (expense) benefit	(11)	63	10	9
After-tax
Other comprehensive income (loss), net of tax	37	(169)	(36)	20
Accumulated foreign currency adjustment
Pretax
Unrealized losses on available-for-sale securities arising during the period, net of hedges		1	(2)	1
Tax (Expense) Benefit
OCI before reclassification, tax		0	0	0
After-tax
Unrealized gains (losses) on available-for-sale securities arising during the period, net of hedges		1	(2)	1
Unrealized gains (losses) for pension and other post-retirement obligations
Pretax
Unrealized losses on available-for-sale securities arising during the period, net of hedges	1
Other comprehensive income (loss), pretax			1
Tax (Expense) Benefit
OCI before reclassification, tax	0
Total other comprehensive income (loss), tax (expense) benefit			0
After-tax
Unrealized gains (losses) on available-for-sale securities arising during the period, net of hedges	1
Other comprehensive income (loss), net of tax			1
AOCI
Pretax
Other comprehensive income (loss), pretax	(42)	(339)
Tax (Expense) Benefit
Total other comprehensive income (loss), tax (expense) benefit	10	88
After-tax
Other comprehensive income (loss), net of tax	(32)	(251)	(235)	92
Net unrealized gains (losses) on net investment hedges
Pretax
Unrealized losses on available-for-sale securities arising during the period, net of hedges			(181)
Tax (Expense) Benefit
OCI before reclassification, tax			42
After-tax
Unrealized gains (losses) on available-for-sale securities arising during the period, net of hedges			(139)
Debt securities | Unrealized gains and (losses) on debt securities
Pretax
Other comprehensive income (loss), pretax	(91)	(108)	(258)	92
Tax (Expense) Benefit
Total other comprehensive income (loss), tax (expense) benefit	21	25	60	(21)
After-tax
Other comprehensive income (loss), net of tax	$ (70)	$ (83)	$ (198)	$ 71

OTHER COMPREHENSIVE INCOME - AO

OTHER COMPREHENSIVE INCOME - AOCI Roll Forward (Details) - USD ($) $ in Millions	3 Months Ended		6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Balance, beginning of period			$ 19,353
Other comprehensive loss before reclassifications	$ (87)	$ (310)	(343)	$ 20
Net unrealized gains on net investment hedges	55	59	108	72
Period change	(32)	(251)	(235)	92
Balance, end of period	19,515		19,515
Unrealized gains and (losses) on debt securities
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Balance, beginning of period	(2,222)	(2,094)	(2,094)	(2,248)
Other comprehensive loss before reclassifications	(72)	(110)	(202)	42
Net unrealized gains on net investment hedges	2	27	4	29
Period change	(70)	(83)	(198)	71
Balance, end of period	(2,292)	(2,177)	(2,292)	(2,177)
Net change related to cash flow hedges on loans
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Balance, beginning of period	(436)	(443)	(363)	(632)
Other comprehensive loss before reclassifications	(15)	(201)	(139)	(23)
Net unrealized gains on net investment hedges	52	32	103	43
Period change	37	(169)	(36)	20
Balance, end of period	(399)	(612)	(399)	(612)
Translation adjustments, net of hedges
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Balance, beginning of period	(8)	(8)	(6)	(8)
Other comprehensive loss before reclassifications	0	1	(2)	1
Net unrealized gains on net investment hedges	0	0	0	0
Period change	0	1	(2)	1
Balance, end of period	(8)	(7)	(8)	(7)
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)	(213)	(210)
Other comprehensive loss before reclassifications	0	0	0	0
Net unrealized gains on net investment hedges	1	0	1	0
Period change	1	0	1	0
Balance, end of period	(212)	(210)	(212)	(210)
AOCI
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Balance, beginning of period	(2,879)	(2,755)	(2,676)	(3,098)
Balance, end of period	$ (2,911)	$ (3,006)	(2,911)	(3,006)
Reclassification out of Accumulated Other Comprehensive Income
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Net unrealized loss on securities transfer			$ 54	$ (62)

SHAREHOLDERS' EQUITY (Details)

SHAREHOLDERS' EQUITY (Details) - USD ($) $ / shares in Units, $ in Millions	3 Months Ended		6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023	Dec. 31, 2023	Jul. 14, 2023
Class of Stock [Line Items]
Shares Outstanding (in shares)	881,587		881,587		881,587
Carrying Amount	$ 2,394		$ 2,394		$ 2,394
Amount ($)	35	$ 40	71	$ 69
Retained Earnings
Class of Stock [Line Items]
Amount ($)	$ 35	$ 40	$ 71	$ 69
Series B Preferred Stock
Class of Stock [Line Items]
Shares Outstanding (in shares)	35,500		35,500
Carrying Amount	$ 23		$ 23		23
Preferred stock, variable rate basis spread	2.70%		2.70%
Cash Dividend Declared Per Share (in usd per share)	$ 20.73	$ 19.90	$ 41.42	$ 38.72
Series B Preferred Stock | Retained Earnings
Class of Stock [Line Items]
Amount ($)	$ 0	$ 0	$ 1	$ 1
Series E Preferred Stock
Class of Stock [Line Items]
Shares Outstanding (in shares)	4,087		4,087
Carrying Amount	$ 405		$ 405		405
Preferred stock, variable rate basis spread	2.88%		2.88%
Cash Dividend Declared Per Share (in usd per share)	$ 2,141.07	$ 2,035.07	$ 4,254.97	$ 3,460.07
Series E Preferred Stock | Retained Earnings
Class of Stock [Line Items]
Amount ($)	$ 9	$ 10	$ 17	$ 17
Series F Preferred Stock
Class of Stock [Line Items]
Shares Outstanding (in shares)	5,000		5,000
Dividend Rate			5.625%
Carrying Amount	$ 494		$ 494		494
Cash Dividend Declared Per Share (in usd per share)	$ 1,406.25	$ 1,406.25	$ 2,812.5	$ 2,812.5
Series F Preferred Stock | Retained Earnings
Class of Stock [Line Items]
Amount ($)	$ 7	$ 7	$ 14	$ 14
Series G Preferred Stock
Class of Stock [Line Items]
Shares Outstanding (in shares)	5,000		5,000
Dividend Rate			4.45%
Carrying Amount	$ 494		$ 494		494
Cash Dividend Declared Per Share (in usd per share)	$ 1,112.5	$ 1,112.5	$ 2,225	$ 2,225
Series G Preferred Stock | Retained Earnings
Class of Stock [Line Items]
Amount ($)	$ 5	$ 6	$ 11	$ 12
Series H Preferred Stock
Class of Stock [Line Items]
Shares Outstanding (in shares)	500,000		500,000
Dividend Rate			4.50%
Carrying Amount	$ 486		$ 486		486
Cash Dividend Declared Per Share (in usd per share)	$ 11.25	$ 11.25	$ 22.50	$ 22.50
Series H Preferred Stock | Retained Earnings
Class of Stock [Line Items]
Amount ($)	$ 6	$ 6	$ 12	$ 12
Series I Preferred Stock
Class of Stock [Line Items]
Shares Outstanding (in shares)	7,000		7,000
Dividend Rate			5.70%
Carrying Amount	$ 175		$ 175		175
Redemption price (per share)	$ 25,000		$ 25,000
Cash Dividend Declared Per Share (in usd per share)	$ 356.25	$ 356.25	$ 712.50	$ 712.50
Series I Preferred Stock | Retained Earnings
Class of Stock [Line Items]
Amount ($)	$ 3	$ 3	$ 5	$ 5
Series J Preferred Stock
Class of Stock [Line Items]
Shares Outstanding (in shares)	325,000		325,000
Dividend Rate			6.875%
Carrying Amount	$ 317		$ 317		$ 317
Cash Dividend Declared Per Share (in usd per share)	$ 17.19	$ 24.64	$ 34.38	$ 24.64
Series J Preferred Stock | Retained Earnings
Class of Stock [Line Items]
Amount ($)	$ 5	$ 8	$ 11	$ 8
Series B, H and J Preferred Stock
Class of Stock [Line Items]
Redemption price (per share)	$ 1,000		$ 1,000
Series E, F and G Preferred Stock
Class of Stock [Line Items]
Redemption price (per share)	$ 100,000		$ 100,000
Secured Overnight Financing Rate (SOFR) | Series B Preferred Stock
Class of Stock [Line Items]
Preferred stock, variable rate basis spread	0.26%		0.26%
Secured Overnight Financing Rate (SOFR) | Series E Preferred Stock
Class of Stock [Line Items]
Preferred stock, variable rate basis spread	0.26%		0.26%
London Interbank Offered Rate (LIBOR) | Series B Preferred Stock
Class of Stock [Line Items]
Preferred stock, variable rate basis spread						2.70%
London Interbank Offered Rate (LIBOR) | Series E Preferred Stock
Class of Stock [Line Items]
Preferred stock, variable rate basis spread						2.88%

EARNINGS PER SHARE (Details)

EARNINGS PER SHARE (Details) - USD ($) $ / shares in Units, shares in Thousands, $ in Millions	3 Months Ended		6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Basic earnings per common share:
Net income attributable to Huntington	$ 474	$ 559	$ 893	$ 1,161
Dividends on preferred shares	35	40	71	69
Net income available to common shareholders, basic	439	519	822	1,092
Net income applicable to diluted earnings per share	$ 439	$ 519	$ 822	$ 1,092
Average common shares issued and outstanding (in shares)	1,451,207	1,446,372	1,449,850	1,444,820
Basic earnings per common share (in usd per share)	$ 0.30	$ 0.36	$ 0.57	$ 0.76
Average dilutive potential common shares:
Stock options and restricted stock units and awards	15,407	12,212	16,401	15,913
Shares held in deferred compensation plans	7,645	7,136	7,546	6,767
Average dilutive potential common shares	23,052	19,348	23,947	22,680
Total diluted average common shares issued and outstanding (in shares)	1,474,259	1,465,720	1,473,797	1,467,500
Diluted earnings per common share (in usd per share)	$ 0.30	$ 0.35	$ 0.56	$ 0.74
Employee Stock Option
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Anti-dilutive awards (in shares)	7,319	15,413	8,380	12,226

REVENUE FROM CONTRACTS WITH C_3

REVENUE FROM CONTRACTS WITH CUSTOMERS - Summary of Noninterest Income (Details) - USD ($) $ in Millions	3 Months Ended		6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Revenue from Contract with Customer [Abstract]
Noninterest income from contracts with customers	$ 360	$ 332	$ 696	$ 709
Noninterest income within the scope of other GAAP topics	131	163	262	298
Total noninterest income	$ 491	$ 495	$ 958	$ 1,007

REVENUE FROM CONTRACTS WITH C_4

REVENUE FROM CONTRACTS WITH CUSTOMERS - Disaggregation by Segment (Details) $ in Millions	3 Months Ended		6 Months Ended
	Jun. 30, 2024 USD ($)	Jun. 30, 2023 USD ($)	Jun. 30, 2024 USD ($) reporting_segment	Jun. 30, 2023 USD ($)
Disaggregation of Revenue [Line Items]
Number of reporting segments | reporting_segment			2
Noninterest income from contracts with customers	$ 360	$ 332	$ 696	$ 709
Noninterest income within the scope of other GAAP topics	131	163	262	298
Noninterest income	491	495	958	1,007
Payments and cash management revenue
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	142	134	276	259
Wealth and asset management revenue
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	90	83	178	163
Customer deposit and loan fees
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	56	52	110	99
Capital markets fees
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	43	28	72	61
Leasing revenue
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	10	14	20	28
Insurance income
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	18	18	37	37
Other noninterest income
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	1	3	3	62
Operating Segments | Commercial Banking
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	81	75	152	148
Noninterest income within the scope of other GAAP topics	83	92	157	175
Noninterest income	164	167	309	323
Operating Segments | Commercial Banking | Payments and cash management revenue
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	28	25	55	50
Operating Segments | Commercial Banking | Wealth and asset management revenue
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	2	7	5	8
Operating Segments | Commercial Banking | Customer deposit and loan fees
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	3	1	7	2
Operating Segments | Commercial Banking | Capital markets fees
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	36	23	61	53
Operating Segments | Commercial Banking | Leasing revenue
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	10	13	19	27
Operating Segments | Commercial Banking | Insurance income
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	2	3	5	5
Operating Segments | Commercial Banking | Other noninterest income
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	0	3	0	3
Operating Segments | Consumer & Regional Banking
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	280	258	545	562
Noninterest income within the scope of other GAAP topics	42	44	85	84
Noninterest income	322	302	630	646
Operating Segments | Consumer & Regional Banking | Payments and cash management revenue
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	114	109	221	209
Operating Segments | Consumer & Regional Banking | Wealth and asset management revenue
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	88	76	173	155
Operating Segments | Consumer & Regional Banking | Customer deposit and loan fees
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	53	51	103	97
Operating Segments | Consumer & Regional Banking | Capital markets fees
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	7	5	11	8
Operating Segments | Consumer & Regional Banking | Leasing revenue
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	0	1	1	1
Operating Segments | Consumer & Regional Banking | Insurance income
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	16	15	32	32
Operating Segments | Consumer & Regional Banking | Other noninterest income
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	2	1	4	60
Treasury / Other
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	(1)	(1)	(1)	(1)
Noninterest income within the scope of other GAAP topics	6	27	20	39
Noninterest income	5	26	19	38
Treasury / Other | Payments and cash management revenue
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	0	0	0	0
Treasury / Other | Wealth and asset management revenue
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	0	0	0	0
Treasury / Other | Customer deposit and loan fees
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	0	0	0	0
Treasury / Other | Capital markets fees
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	0	0	0	0
Treasury / Other | Leasing revenue
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	0	0	0	0
Treasury / Other | Insurance income
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	0	0	0	0
Treasury / Other | Other noninterest income
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	$ (1)	$ (1)	$ (1)	$ (1)

FAIR VALUES OF ASSETS AND LIA_3

FAIR VALUES OF ASSETS AND LIABILITIES - Recurring Basis (Details) - USD ($) $ in Millions		Jun. 30, 2024	Dec. 31, 2023
Assets measured at fair value on a recurring basis
Available-for-sale securities		$ 27,454	$ 25,305
Loans held for sale		659	506
Loans Accounted for Under FVO		175	174
Gross amounts of recognized assets		1,641	1,723
Derivative assets netting		(1,215)	(1,330)
Net amounts of assets presented in the condensed consolidated balance sheets		426	393
Liabilities measured at fair value on a recurring basis
Long-term debt	[1]	16,461	12,394
Gross amounts of recognized liabilities		1,604	1,421
Gross amounts offset in the condensed consolidated balance sheets		(884)	(751)
Derivative liabilities		720	670
U.S. Treasury
Assets measured at fair value on a recurring basis
Available-for-sale securities		6,111	2,856
Municipal securities
Assets measured at fair value on a recurring basis
Available-for-sale securities		3,378	3,373
Residential MBS
Assets measured at fair value on a recurring basis
Available-for-sale securities		10,615	11,382
Commercial MBS
Assets measured at fair value on a recurring basis
Available-for-sale securities		1,778	1,827
Other agencies
Assets measured at fair value on a recurring basis
Available-for-sale securities		142	155
Private-label CMO
Assets measured at fair value on a recurring basis
Available-for-sale securities		112	119
Asset-backed securities
Assets measured at fair value on a recurring basis
Available-for-sale securities		306	356
Corporate debt
Assets measured at fair value on a recurring basis
Available-for-sale securities		2,010	2,043
Fair Value, Measurements, Recurring
Assets measured at fair value on a recurring basis
Trading account securities		154	125
Available-for-sale securities		27,454	25,305
Other securities		32	32
Loans held for sale		659	506
MSRs		543	515
Derivative assets netting		(1,215)	(1,330)
Net amounts of assets presented in the condensed consolidated balance sheets		426	393
Assets held in trust for deferred compensation plans		184	177
Liabilities measured at fair value on a recurring basis
Long-term debt		480
Gross amounts offset in the condensed consolidated balance sheets		(884)	(751)
Derivative liabilities		720	670
Fair Value, Measurements, Recurring | U.S. Treasury
Assets measured at fair value on a recurring basis
Trading account securities		89	91
Available-for-sale securities		6,111	2,856
Fair Value, Measurements, Recurring | Municipal securities
Assets measured at fair value on a recurring basis
Trading account securities		44	32
Available-for-sale securities		3,378	3,373
Fair Value, Measurements, Recurring | Residential CMO
Assets measured at fair value on a recurring basis
Available-for-sale securities		2,992	3,184
Fair Value, Measurements, Recurring | Residential MBS
Assets measured at fair value on a recurring basis
Available-for-sale securities		10,615	11,382
Fair Value, Measurements, Recurring | Commercial MBS
Assets measured at fair value on a recurring basis
Available-for-sale securities		1,778	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		142	155
Fair Value, Measurements, Recurring | Private-label CMO
Assets measured at fair value on a recurring basis
Available-for-sale securities		112	119
Fair Value, Measurements, Recurring | Asset-backed securities
Assets measured at fair value on a recurring basis
Available-for-sale securities		306	356
Fair Value, Measurements, Recurring | Corporate debt
Assets measured at fair value on a recurring basis
Trading account securities		21
Available-for-sale securities		2,010	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		89	91
Available-for-sale securities		6,111	2,856
Other securities		30	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		184	177
Liabilities measured at fair value on a recurring basis
Long-term debt		0
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		89	91
Available-for-sale securities		6,111	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		65	34
Available-for-sale securities		17,947	19,019
Other securities		2	2
Loans held for sale		659	506
Loans Accounted for Under FVO		115	120
MSRs		0	0
Gross amounts of recognized assets		1,637	1,720
Assets held in trust for deferred compensation plans		0	0
Liabilities measured at fair value on a recurring basis
Long-term debt		480
Gross amounts of recognized liabilities		1,601	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		44	32
Available-for-sale securities		37	38
Fair Value, Measurements, Recurring | Level 2 | Residential CMO
Assets measured at fair value on a recurring basis
Available-for-sale securities		2,992	3,184
Fair Value, Measurements, Recurring | Level 2 | Residential MBS
Assets measured at fair value on a recurring basis
Available-for-sale securities		10,615	11,382
Fair Value, Measurements, Recurring | Level 2 | Commercial MBS
Assets measured at fair value on a recurring basis
Available-for-sale securities		1,778	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		142	155
Fair Value, Measurements, Recurring | Level 2 | Private-label CMO
Assets measured at fair value on a recurring basis
Available-for-sale securities		92	99
Fair Value, Measurements, Recurring | Level 2 | Asset-backed securities
Assets measured at fair value on a recurring basis
Available-for-sale securities		271	281
Fair Value, Measurements, Recurring | Level 2 | Corporate debt
Assets measured at fair value on a recurring basis
Trading account securities		21
Available-for-sale securities		2,010	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		3,396	3,430
Other securities		0	0
Loans held for sale		0	0
Loans Accounted for Under FVO		60	54
MSRs		543	515
Gross amounts of recognized assets		4	3
Assets held in trust for deferred compensation plans		0	0
Liabilities measured at fair value on a recurring basis
Long-term debt		0
Gross amounts of recognized liabilities		3	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		3,341	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		35	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
[1] Includes VIE balances in net loans and leases and long-term debt of $1.4 billion and $1.3 billion, respectively, at June 30, 2024, and VIE balances in other assets of $173 million and $82 million, and other liabilities of $63 million and $57 million, at June 30, 2024 and December 31, 2023, respectively. See Note 14 - “ Variable Interest Entities ” for additional information.

FAIR VALUES OF ASSETS AND LIA_4

FAIR VALUES OF ASSETS AND LIABILITIES - Level 3 Roll Forward (Details) - USD ($) $ in Millions	3 Months Ended		6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023	Mar. 31, 2024	Dec. 31, 2023	Mar. 31, 2023	Dec. 31, 2022
Assets Level 3 Roll Forward:
Transfers into Level 3			$ 0
Transfers out of Level 3			(11)
Total gains/losses for the period:
Repayments			0	$ 0
Derivative instruments
Opening balance	$ 1	$ (2)	1	(2)	$ 4	$ (2)	$ 3	$ (2)
Transfers into Level 3	0	0		0
Transfers out of Level 3	(6)	(8)		(10)
Included in earnings:		3
Included in OCI	0	0	0	0
Purchases/originations	0	0	0	0
Repayments	0	0
Settlements	5	0	11	0
Closing balance	1	(2)	1	(2)
Change in unrealized gains or losses for the period included in earnings for assets held at end of the reporting date	(1)	(1)	0	4
Mortgage banking income
Derivative instruments
Included in earnings:	4		11	10
Interest and fee income
Derivative instruments
Included in earnings:	0		0	0
Noninterest income
Derivative instruments
Included in earnings:	(6)		(8)
Provision for credit losses
Derivative instruments
Included in earnings:	0		0
MSRs
Assets Level 3 Roll Forward:
Opening balance	534	485	515	494
Transfers into Level 3	0	0	0	0
Transfers out of Level 3	0	0	0	0
Total gains/losses for the period:
Included in earnings:		15
Included in OCI	0	0	0	0
Purchases/originations	11	18	21	31
Repayments	0	0	0	0
Settlements	(14)	(13)	(25)	(23)
Closing balance	543	505	543	505	534	515	485	494
Change in unrealized gains or losses for the period included in earnings for assets held at end of the reporting date	12	15	32	3
MSRs | Mortgage banking income
Total gains/losses for the period:
Included in earnings:	12		32	3
MSRs | Interest and fee income
Total gains/losses for the period:
Included in earnings:	0		0	0
MSRs | Noninterest income
Total gains/losses for the period:
Included in earnings:	0
MSRs | Provision for credit losses
Total gains/losses for the period:
Included in earnings:	0		0
Municipal securities
Assets Level 3 Roll Forward:
Opening balance	3,293	3,339	3,335	3,248
Transfers into Level 3	0	0	0	0
Transfers out of Level 3	0	0	0	0
Total gains/losses for the period:
Included in earnings:		0
Included in OCI	(33)	(7)	(14)	(4)
Purchases/originations	228	378	300	555
Repayments	0	0	0	0
Settlements	(144)	(214)	(277)	(303)
Closing balance	3,341	3,496	3,341	3,496	3,293	3,335	3,339	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	(34)	(13)	(16)	(10)
Municipal securities | Mortgage banking income
Total gains/losses for the period:
Included in earnings:	0		0	0
Municipal securities | Interest and fee income
Total gains/losses for the period:
Included in earnings:	(1)		(1)	0
Municipal securities | Noninterest income
Total gains/losses for the period:
Included in earnings:	0
Municipal securities | Provision for credit losses
Total gains/losses for the period:
Included in earnings:	(2)		(2)
Private-label CMO
Assets Level 3 Roll Forward:
Opening balance	20	20	20	20
Transfers into Level 3	0	0	0	0
Transfers out of Level 3	0	0	0	0
Total gains/losses for the period:
Included in earnings:		0
Included in OCI	0	0	0	0
Purchases/originations	0	0	0	1
Repayments	0	0	0	0
Settlements	1	0	1	0
Closing balance	20	20	20	20	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	0	0
Private-label CMO | Mortgage banking income
Total gains/losses for the period:
Included in earnings:	0		0	0
Private-label CMO | Interest and fee income
Total gains/losses for the period:
Included in earnings:	0		(1)	(1)
Private-label CMO | Noninterest income
Total gains/losses for the period:
Included in earnings:	(1)
Private-label CMO | Provision for credit losses
Total gains/losses for the period:
Included in earnings:	0		0
Asset-backed securities
Assets Level 3 Roll Forward:
Opening balance	72	74	75	74
Transfers into Level 3	0	0	0	0
Transfers out of Level 3	0	0	0	0
Total gains/losses for the period:
Included in earnings:		0
Included in OCI	0	1	0	1
Purchases/originations	0	0	0	0
Repayments	0	0	0	0
Settlements	(37)	0	(40)	0
Closing balance	35	75	35	75	72	75	74	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	0	0
Asset-backed securities | Mortgage banking income
Total gains/losses for the period:
Included in earnings:	0		0	0
Asset-backed securities | Interest and fee income
Total gains/losses for the period:
Included in earnings:	0		0	0
Asset-backed securities | Noninterest income
Total gains/losses for the period:
Included in earnings:	0
Asset-backed securities | Provision for credit losses
Total gains/losses for the period:
Included in earnings:	0		0
Loans held for investment
Assets Level 3 Roll Forward:
Opening balance	58	15	54	16
Transfers into Level 3	4	19	8	19
Transfers out of Level 3	0	0	0	0
Total gains/losses for the period:
Included in earnings:		0
Included in OCI	0	0	0	0
Purchases/originations	0	0	0	0
Repayments	(1)	(1)	(1)	(2)
Settlements	0	0	0	0
Closing balance	60	33	60	33	$ 58	$ 54	$ 15	$ 16
Change in unrealized gains or losses for the period included in earnings for assets held at end of the reporting date	0	$ 0	0	0
Loans held for investment | Mortgage banking income
Total gains/losses for the period:
Included in earnings:	0		0	0
Loans held for investment | Interest and fee income
Total gains/losses for the period:
Included in earnings:	(1)		(1)	$ 0
Loans held for investment | Noninterest income
Total gains/losses for the period:
Included in earnings:	0
Loans held for investment | Provision for credit losses
Total gains/losses for the period:
Included in earnings:	$ 0		$ 0

FAIR VALUES OF ASSETS AND LIA_5

FAIR VALUES OF ASSETS AND LIABILITIES - Fair Value Option (Details) - USD ($) $ in Millions	Jun. 30, 2024	Dec. 31, 2023
Fair Value, Option, Quantitative Disclosures [Line Items]
Loans held for sale, fair value	$ 659	$ 506
Loans and leases, fair value	175	174
Long-term debt, fair value	480	0
Fair Value, Measurements, Recurring
Fair Value, Option, Quantitative Disclosures [Line Items]
Loans held for sale, fair value	659	506
Long-term debt, fair value	480
Long-term debt, aggregate unpaid principal	478
Difference	(2)
Fair Value, Measurements, Recurring | Mortgages Held For Sale
Fair Value, Option, Quantitative Disclosures [Line Items]
Loans held for sale, aggregate unpaid principal	645	489
Difference	14	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	2	2
Loans held for investment, aggregate unpaid principal	3	3
Difference	$ (1)	$ (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		6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Fair Value, Measurements, Recurring
Fair Value, Option, Quantitative Disclosures [Line Items]
Net gains (losses) from fair value changes	$ 4	$ 0	$ (3)	$ 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	0	(3)	(1)	(3)
Long-term debt | Fair Value, Measurements, Recurring
Fair Value, Option, Quantitative Disclosures [Line Items]
Net gains (losses) from fair value changes	$ (2)	$ 0	$ (2)	$ 0

FAIR VALUES OF ASSETS AND LIA_7

FAIR VALUES OF ASSETS AND LIABILITIES - Non-Recurring Basis (Details) - USD ($) $ in Millions	3 Months Ended		6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023	Dec. 31, 2023
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans held for sale	$ 659		$ 659		$ 506
Nonrecurring Basis | Total Gains/(Losses)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Collateral-dependent loans, gains (losses)	(16)	$ (1)	(41)	$ (7)
Nonrecurring Basis | Level 3 | Fair Value
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Collateral-dependent loans	$ 97		$ 97		$ 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	Jun. 30, 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	0.04	0.05
Residential MBS | Maximum | Constant prepayment rate
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Servicing asset, measurement input	0.40	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	0.05	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		Jun. 30, 2024	Dec. 31, 2023
Financial Assets
Available-for-sale securities		$ 27,454	$ 25,305
Held-to-maturity securities		15,036	15,750
Loans held for sale		668	516
Net loans and leases	[1]	122,118	119,727
Derivative assets, gross		1,641	1,723
Derivative assets, netting adjustments		(1,215)	(1,330)
Derivative assets, net		426	393
Financial Liabilities
Total deposits		154,367	151,230
Short-term borrowings		187	620
Long-term debt	[1]	16,461	12,394
Derivative liabilities, gross		1,604	1,421
Derivative liabilities, netting adjustments		(884)	(751)
Derivative liabilities, net		720	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		12,783	10,323
Trading account securities		154	125
Available-for-sale securities		27,454	25,305
Held-to-maturity securities		15,036	15,750
Other securities		844	725
Loans held for sale		668	516
Net loans and leases		122,118	119,727
Derivative assets, net		426	393
Assets held in trust for deferred compensation plans		184	177
Financial Liabilities
Total deposits		154,367	151,230
Short-term borrowings		187	620
Long-term debt		16,461	12,394
Derivative liabilities, net		720	670
Estimate of Fair Value Measurement
Financial Assets
Cash and short-term assets		12,783	10,323
Trading account securities		154	125
Available-for-sale securities		27,454	25,305
Held-to-maturity securities		12,730	13,718
Other securities		844	725
Other securities		32	32
Loans held for sale		668	516
Net loans and leases		118,794	116,781
Derivative assets, net		426	393
Assets held in trust for deferred compensation plans		184	177
Financial Liabilities
Total deposits		154,319	151,183
Short-term borrowings		187	620
Long-term debt		16,499	12,276
Derivative liabilities, net		720	670
Estimate of Fair Value Measurement | Level 1
Financial Assets
Trading account securities		89	91
Available-for-sale securities		6,111	2,856
Held-to-maturity securities		0	0
Other securities		30	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		65	34
Available-for-sale securities		17,947	19,019
Held-to-maturity securities		12,730	13,718
Other securities		2	2
Loans held for sale		659	506
Net loans and leases		115	120
Derivative assets, gross		1,637	1,720
Financial Liabilities
Total deposits		138,159	135,627
Short-term borrowings		187	620
Long-term debt		11,177	8,929
Derivative liabilities, gross		1,601	1,416
Estimate of Fair Value Measurement | Level 3
Financial Assets
Trading account securities		0	0
Available-for-sale securities		3,396	3,430
Held-to-maturity securities		0	0
Other securities		0	0
Loans held for sale		9	10
Net loans and leases		118,679	116,661
Derivative assets, gross		4	3
Derivative assets, netting adjustments		(1,215)	(1,330)
Financial Liabilities
Total deposits		16,160	15,556
Short-term borrowings		0	0
Long-term debt		5,322	3,347
Derivative liabilities, gross		3	5
Derivative liabilities, netting adjustments		(884)	(751)
Fair Value, Recurring
Financial Assets
Trading account securities		154	125
Available-for-sale securities		27,454	25,305
Derivative assets, netting adjustments		(1,215)	(1,330)
Derivative assets, net		426	393
Financial Liabilities
Long-term debt		480
Derivative liabilities, netting adjustments		(884)	(751)
Derivative liabilities, net		720	670
Fair Value, Recurring | Level 1
Financial Assets
Trading account securities		89	91
Available-for-sale securities		6,111	2,856
Derivative assets, gross		0	0
Financial Liabilities
Long-term debt		0
Derivative liabilities, gross		0	0
Fair Value, Recurring | Level 2
Financial Assets
Trading account securities		65	34
Available-for-sale securities		17,947	19,019
Derivative assets, gross		1,637	1,720
Financial Liabilities
Long-term debt		480
Derivative liabilities, gross		1,601	1,416
Fair Value, Recurring | Level 3
Financial Assets
Trading account securities		0	0
Available-for-sale securities		3,396	3,430
Derivative assets, gross		4	3
Financial Liabilities
Long-term debt		0
Derivative liabilities, gross		3	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		12,783	10,323
Held-to-maturity securities		15,036	15,750
Other securities		812	693
Net loans and leases		121,943	119,553
Financial Liabilities
Total deposits		154,367	151,230
Short-term borrowings		187	620
Long-term debt		15,981	12,394
Fair Value or Fair Value Option | Reported Value Measurement
Financial Assets
Trading account securities		154	125
Available-for-sale securities		27,454	25,305
Other securities		32	32
Loans held for sale		659	506
Net loans and leases		175	174
Derivative assets, net		426	393
Assets held in trust for deferred compensation plans		184	177
Financial Liabilities
Long-term debt		480
Derivative liabilities, net		720	670
Lower of Cost or Market | Reported Value Measurement
Financial Assets
Loans held for sale		$ 9	$ 10
[1] Includes VIE balances in net loans and leases and long-term debt of $1.4 billion and $1.3 billion, respectively, at June 30, 2024, and VIE balances in other assets of $173 million and $82 million, and other liabilities of $63 million and $57 million, at June 30, 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	Jun. 30, 2024	Dec. 31, 2023
Derivatives, Fair Value [Line Items]
Notional Value	$ 44,470	$ 38,192
Asset derivatives included in accrued income and other assets
Total contracts	1,641	1,723
Liability derivatives included in accrued expenses and other liabilities
Total contracts	1,604	1,421
Accrued income and other assets
Asset derivatives included in accrued income and other assets
Total contracts	1,641	1,723
Accrued expenses and other liabilities
Liability derivatives included in accrued expenses and other liabilities
Total contracts	1,604	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	787	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	744	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	1	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	0	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	1	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	44,295	38,017
Derivatives designated as Hedging Instruments | Foreign exchange contracts | Accrued income and other assets
Derivatives, Fair Value [Line Items]
Notional Value	231	222
Derivatives not designated as Hedging Instruments | Accrued income and other assets
Derivatives, Fair Value [Line Items]
Notional Value	94,065	86,843
Derivatives not designated as Hedging Instruments | Interest rate contracts | Accrued income and other assets
Derivatives, Fair Value [Line Items]
Notional Value	42,263	41,526
Asset derivatives included in accrued income and other assets
Interest rate contracts not designated as hedging instruments	766	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	783	757
Derivatives not designated as Hedging Instruments | Foreign exchange contracts | Accrued income and other assets
Derivatives, Fair Value [Line Items]
Notional Value	5,576	5,257
Asset derivatives included in accrued income and other assets
Foreign exchange contracts not designated as hedging instruments	45	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	35	76
Derivatives not designated as Hedging Instruments | Commodities contracts | Accrued income and other assets
Derivatives, Fair Value [Line Items]
Notional Value	662	681
Asset derivatives included in accrued income and other assets
Commodities contracts not designated as hedging instruments	41	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	38	60
Derivatives not designated as Hedging Instruments | Equity contracts | Accrued income and other assets
Derivatives, Fair Value [Line Items]
Notional Value	727	759
Asset derivatives included in accrued income and other assets
Derivative instruments not designated as hedging instruments, asset	0	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	4	7
Derivatives not designated as Hedging Instruments | Credit contracts | Accrued income and other assets
Derivatives, Fair Value [Line Items]
Notional Value	$ 311	$ 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		6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Derivative Instruments, Gain (Loss) [Line Items]
Amount of Gain or (Loss) Recognized in Income on Derivative	$ (2)	$ 38	$ 0	$ 66
Interest rate contracts | Capital markets fees
Derivative Instruments, Gain (Loss) [Line Items]
Amount of Gain or (Loss) Recognized in Income on Derivative	6	10	11	17
Interest rate contracts | Mortgage banking income
Derivative Instruments, Gain (Loss) [Line Items]
Amount of Gain or (Loss) Recognized in Income on Derivative	(12)	0	(23)	9
Interest rate swaptions | Other noninterest income
Derivative Instruments, Gain (Loss) [Line Items]
Amount of Gain or (Loss) Recognized in Income on Derivative	0	18	0	17
Foreign exchange contracts | Capital markets fees
Derivative Instruments, Gain (Loss) [Line Items]
Amount of Gain or (Loss) Recognized in Income on Derivative	11	13	22	25
Credit contracts | Other noninterest income
Derivative Instruments, Gain (Loss) [Line Items]
Amount of Gain or (Loss) Recognized in Income on Derivative	(6)	0	(8)	0
Commodities contracts | Capital markets fees
Derivative Instruments, Gain (Loss) [Line Items]
Amount of Gain or (Loss) Recognized in Income on Derivative	1	1	2	3
Equity contracts | Other noninterest expense
Derivative Instruments, Gain (Loss) [Line Items]
Amount of Gain or (Loss) Recognized in Income on Derivative	$ (2)	$ (4)	$ (4)	$ (5)

DERIVATIVE FINANCIAL INSTRUME_5

DERIVATIVE FINANCIAL INSTRUMENTS - Asset and Liability Management (Details) - USD ($) $ in Millions	3 Months Ended		6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023	Dec. 31, 2023
Notional Disclosures [Abstract]
Notional Value	$ 44,470		$ 44,470		$ 38,192
Increase (decrease) to net interest income due to derivative adjustment	(70)	$ (64)	(138)	$ (116)
Accrued Expenses And Other Liabilities [Member] | Credit contracts
Notional Disclosures [Abstract]
Derivative instruments not designated as hedging instruments, liability	0		0		2
Not Designated as Hedging Instrument, Economic Hedge
Notional Disclosures [Abstract]
Notional Value	175		175		175
Derivatives not designated as Hedging Instruments | Accrued income and other assets
Notional Disclosures [Abstract]
Notional Value	94,065		94,065		86,843
Derivatives not designated as Hedging Instruments | Accrued income and other assets | Credit contracts
Notional Disclosures [Abstract]
Notional Value	311		311		381
Fair Value Hedging | Derivatives designated as Hedging Instruments
Notional Disclosures [Abstract]
Notional Value	23,745		23,745		21,342
Cash Flow Hedges | Derivatives designated as Hedging Instruments
Notional Disclosures [Abstract]
Notional Value	20,550		20,550		16,675
Investment securities
Notional Disclosures [Abstract]
Notional Value	11,649		11,649		11,649
Investment securities | Not Designated as Hedging Instrument, Economic Hedge
Notional Disclosures [Abstract]
Notional Value	0		0		0
Investment securities | Fair Value Hedging | Derivatives designated as Hedging Instruments
Notional Disclosures [Abstract]
Notional Value	11,649		11,649		11,649
Investment securities | Cash Flow Hedges | Derivatives designated as Hedging Instruments
Notional Disclosures [Abstract]
Notional Value	0		0		0
Loans
Notional Disclosures [Abstract]
Notional Value	20,725		20,725		16,850
Loans | Not Designated as Hedging Instrument, Economic Hedge
Notional Disclosures [Abstract]
Notional Value	175		175		175
Loans | Fair Value Hedging | Derivatives designated as Hedging Instruments
Notional Disclosures [Abstract]
Notional Value	0		0		0
Loans | Cash Flow Hedges | Derivatives designated as Hedging Instruments
Notional Disclosures [Abstract]
Notional Value	20,550		20,550		16,675
Long-term debt
Notional Disclosures [Abstract]
Notional Value	12,096		12,096		9,693
Long-term debt | Not Designated as Hedging Instrument, Economic Hedge
Notional Disclosures [Abstract]
Notional Value	0		0		0
Long-term debt | Fair Value Hedging | Derivatives designated as Hedging Instruments
Notional Disclosures [Abstract]
Notional Value	12,096		12,096		9,693
Long-term debt | Cash Flow Hedges | Derivatives designated as Hedging Instruments
Notional Disclosures [Abstract]
Notional Value	$ 0		$ 0		$ 0

DERIVATIVE FINANCIAL INSTRUME_6

DERIVATIVE FINANCIAL INSTRUMENTS - Fair Value Hedges (Details) - USD ($) $ in Millions	3 Months Ended		6 Months Ended		12 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023	Dec. 31, 2023
Derivative Instruments, Gain (Loss) [Line Items]
Cumulative basis adjustments associated with hedging relationships	$ 642		$ 642		$ 619
Fair value hedging adjustments			(63)		(69)
Investment Securities
Derivative Instruments, Gain (Loss) [Line Items]
Amortized Cost	17,535		17,535		18,241
Cumulative Amount of Fair Value Hedging Adjustment To Hedged Items	(732)		(732)		(698)
Amortized cost basis of the closed portfolios used in hedging relationships	16,900		16,900
Cumulative basis adjustments associated with hedging relationships	(642)		(642)
Designated hedged items	11,000		11,000
Interest Rate Swap
Derivative Instruments, Gain (Loss) [Line Items]
Designated hedged items	662		662
Subordinated notes
Derivative Instruments, Gain (Loss) [Line Items]
Amortized Cost	11,750		11,750		9,909
Cumulative Amount of Fair Value Hedging Adjustment To Hedged Items	(274)		(274)		$ (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	(39)	$ 138	32	$ (44)
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	38	(139)	(34)	42
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	(31)	(138)	(159)	(22)
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	$ 31	$ 138	$ 159	$ 22

DERIVATIVE FINANCIAL INSTRUME_7

DERIVATIVE FINANCIAL INSTRUMENTS - Cash Flow Hedges and Economic Hedges (Details) - USD ($) $ in Millions	6 Months Ended
	Jun. 30, 2024	Dec. 31, 2023
Derivative Instruments, Gain (Loss) [Line Items]
Notional Value	$ 44,470	$ 38,192
Net losses recognized in AOCI expected to be reclassed	(137)
Loans
Derivative Instruments, Gain (Loss) [Line Items]
Notional Value	$ 20,725	$ 16,850

DERIVATIVE FINANCIAL INSTRUME_8

DERIVATIVE FINANCIAL INSTRUMENTS - MSR Hedging Activities (Details) - USD ($) $ in Millions	3 Months Ended		6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023	Dec. 31, 2023
Derivative Instruments and Hedging Activities Disclosures [Line Items]
Remaining maturity	1 year		1 year
Notional Value	$ 44,470		$ 44,470		$ 38,192
Derivative used in Mortgage Banking Activities
Derivative Instruments and Hedging Activities Disclosures [Line Items]
Derivative, fair value, net	2		2		(4)
Notional Value	1,460		1,460		1,668
Trading liabilities	(51)		(51)		(69)
Trading (losses) gains	(10)	$ (15)	(29)	$ (6)
Commitments to sell loans
Derivative Instruments and Hedging Activities Disclosures [Line Items]
Commitments to sell residential real estate loans	$ 989		$ 989		$ 674

DERIVATIVE FINANCIAL INSTRUME_9

DERIVATIVE FINANCIAL INSTRUMENTS - Derivatives Used In Customer Related Activities (Details) - USD ($) $ in Millions	Jun. 30, 2024	Dec. 31, 2023
Derivative [Line Items]
Credit risks from interest rate swaps used for trading purposes	$ 64	$ 122
Derivative used in trading activity
Derivative [Line Items]
Net derivative asset (liability)	56	47
Derivative financial instruments used by Huntington on behalf of customers including offsetting derivatives, notional value	$ 45,400	$ 44,500

DERIVATIVE FINANCIAL INSTRUM_10

DERIVATIVE FINANCIAL INSTRUMENTS - Financial Assets And Liabilities That Are Offset (Details) $ in Millions	6 Months Ended
	Jun. 30, 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	$ 351	$ 238
Investment securities and cash collateral pledged by Huntington	104
Investment securities and cash collateral pledged to Huntington	$ 436

DERIVATIVE FINANCIAL INSTRUM_11

DERIVATIVE FINANCIAL INSTRUMENTS - Offsetting Assets (Details) - USD ($) $ in Millions	Jun. 30, 2024	Dec. 31, 2023
Offsetting Derivative Assets [Abstract]
Gross amounts of recognized assets	$ 1,641	$ 1,723
Gross amounts offset in the condensed consolidated balance sheets	1,215	1,330
Net amounts of assets presented in the condensed consolidated balance sheets	426	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	(29)	(4)
Net amount	$ 397	$ 344

DERIVATIVE FINANCIAL INSTRUM_12

DERIVATIVE FINANCIAL INSTRUMENTS - Offsetting Liabilities (Details) - USD ($) $ in Millions	Jun. 30, 2024	Dec. 31, 2023
Offsetting Derivative Liabilities [Abstract]
Gross amounts of recognized liabilities	$ 1,604	$ 1,421
Gross amounts offset in the condensed consolidated balance sheets	(884)	(751)
Derivative liabilities	720	670
Gross amounts not offset in the condensed consolidated balance sheets, Financial instruments	(21)	0
Gross amounts not offset in the condensed consolidated balance sheets, Cash collateral received	(83)	(93)
Net amount	$ 616	$ 577

VARIABLE INTEREST ENTITIES - Co

VARIABLE INTEREST ENTITIES - Consolidated (Details) - USD ($) $ in Millions		Jun. 30, 2024	Dec. 31, 2023
Assets
Net loans and leases	[1]	$ 122,118	$ 119,727
Other assets	[1]	5,558	5,150
Total assets		196,310	189,368
Liabilities
Long-term debt	[1]	16,461	12,394
Other liabilities	[1]	5,732	5,726
Total liabilities		176,747	169,970
Consolidated VIE
Assets
Net loans and leases		1,389	0
Other assets		173	82
Total assets		1,562	82
Liabilities
Long-term debt		1,265	0
Other liabilities		63	57
Total liabilities		$ 1,328	$ 57
[1] Includes VIE balances in net loans and leases and long-term debt of $1.4 billion and $1.3 billion, respectively, at June 30, 2024, and VIE balances in other assets of $173 million and $82 million, and other liabilities of $63 million and $57 million, at June 30, 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	Jun. 30, 2024	Dec. 31, 2023
Variable Interest Entity [Line Items]
Total Assets	$ 196,310	$ 189,368
Total Liabilities	176,747	169,970
Variable Interest Entity
Variable Interest Entity [Line Items]
Total Assets	3,300	3,205
Total Liabilities	1,578	1,667
Maximum Exposure to Loss	3,286	3,191
Affordable Housing Tax Credit Partnerships | Variable Interest Entity
Variable Interest Entity [Line Items]
Total Assets	2,416	2,297
Total Liabilities	1,184	1,279
Maximum Exposure to Loss	2,416	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	870	894
Total Liabilities	146	140
Maximum Exposure to Loss	$ 870	$ 894

VARIABLE INTEREST ENTITIES - Na

VARIABLE INTEREST ENTITIES - Narrative (Details) - USD ($)	3 Months Ended		6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023	Mar. 31, 2024
Variable Interest Entity [Line Items]
Loans retained by Huntington					$ 128,000,000
Affordable housing investments, impairment	$ 0	$ 0	$ 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		6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023	Dec. 31, 2023
Affordable Housing Tax Credit Partnerships
Variable Interest Entity [Line Items]
Affordable housing tax credit investments	$ 3,579		$ 3,579		$ 3,335
Less: amortization	(1,163)		(1,163)		(1,038)
Net affordable housing tax credit investments	2,416		2,416		2,297
Unfunded commitments	1,184		1,184		$ 1,279
Tax credits and other tax benefits recognized	76	$ 65	152	$ 131
Proportional Amortization Method
Variable Interest Entity [Line Items]
Proportional amortization expense included in provision for income taxes	$ 63	$ 54	$ 126	$ 109

COMMITMENTS AND CONTINGENT LI_3

COMMITMENTS AND CONTINGENT LIABILITIES - Commitments to Extend Credit (Details) - USD ($) $ in Millions	Jun. 30, 2024	Dec. 31, 2023
Commercial and industrial
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Contract amount represents credit risk	$ 33,776	$ 32,344
Consumer loan portfolio
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Contract amount represents credit risk	19,749	19,270
Commercial real estate
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Contract amount represents credit risk	1,940	2,543
Standby letters of credit
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Contract amount represents credit risk	728	814
Commercial | Commercial letters of credit
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Contract amount represents credit risk	$ 14	$ 9

COMMITMENTS AND CONTINGENT LI_4

COMMITMENTS AND CONTINGENT LIABILITIES - Narrative (Details) - USD ($) $ in Millions	6 Months Ended
	Jun. 30, 2024	Dec. 31, 2023
Loss Contingencies [Line Items]
Bond expiration period	2 years
Maximum amount guaranteed	$ 117	$ 79
Standby letters of credit
Loss Contingencies [Line Items]
Carrying amount of deferred revenue associated with guarantees	27	$ 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		6 Months Ended
	Jun. 30, 2024 USD ($)	Jun. 30, 2023 USD ($)	Jun. 30, 2024 USD ($) reporting_segment	Jun. 30, 2023 USD ($)	Dec. 31, 2023 USD ($)
Segment Reporting Information [Line Items]
Number of reporting segments | reporting_segment			2
Net interest income (loss)	$ 1,312	$ 1,346	$ 2,599	$ 2,755
Provision for credit losses	100	92	207	177
Noninterest income	491	495	958	1,007
Noninterest expense	1,117	1,050	2,254	2,136
Provision (benefit) for income taxes	106	134	192	278
Income attributable to non-controlling interest	6	6	11	10
Net income attributable to Huntington	474	559	893	1,161
Total Assets	196,310		196,310		$ 189,368
Total deposits	154,367		154,367		151,230
Operating Segments | Consumer & Business Banking
Segment Reporting Information [Line Items]
Net interest income (loss)	1,007	933	1,963	1,804
Provision for credit losses	76	64	122	110
Noninterest income	322	302	630	646
Noninterest expense	788	765	1,565	1,519
Provision (benefit) for income taxes	97	86	190	173
Income attributable to non-controlling interest	0	0	0	0
Net income attributable to Huntington	368	320	716	648
Total Assets	75,298		75,298		73,082
Total deposits	110,913		110,913		110,157
Operating Segments | Commercial Banking
Segment Reporting Information [Line Items]
Net interest income (loss)	527	547	1,050	1,088
Provision for credit losses	24	28	85	67
Noninterest income	164	167	309	323
Noninterest expense	300	274	594	552
Provision (benefit) for income taxes	77	86	143	166
Income attributable to non-controlling interest	6	6	11	10
Net income attributable to Huntington	284	320	526	616
Total Assets	63,107		63,107		63,377
Total deposits	38,110		38,110		35,466
Treasury / Other
Segment Reporting Information [Line Items]
Net interest income (loss)	(222)	(134)	(414)	(137)
Provision for credit losses	0	0	0	0
Noninterest income	5	26	19	38
Noninterest expense	29	11	95	65
Provision (benefit) for income taxes	(68)	(38)	(141)	(61)
Income attributable to non-controlling interest	0	0	0	0
Net income attributable to Huntington	(178)	$ (81)	(349)	$ (103)
Total Assets	57,905		57,905		52,909
Total deposits	$ 5,344		$ 5,344		$ 5,607