Huntington Bancshares (HBAN) 10-Q 29 Oct 24 2024 Q3 Quarterly report Financial data

Cover Page

Cover Page	9 Months Ended
	Sep. 30, 2024 shares
Entity Information [Line Items]
Document Type	10-Q
Document Quarterly Report	true
Document Period End Date	Sep. 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	1,452,811,392
Entity Central Index Key	0000049196
Amendment Flag	false
Document Fiscal Year Focus	2024
Document Fiscal Period Focus	Q3
Current Fiscal Year End Date	--12-31
Series H
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
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
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		Sep. 30, 2024	Dec. 31, 2023
Assets
Cash and due from banks		$ 1,677	$ 1,558
Interest-earning deposits with banks		11,163	8,765
Trading account securities		472	125
Available-for-sale securities		28,492	25,305
Held-to-maturity securities		15,670	15,750
Other securities		826	725
Loans held for sale (includes $649 and $506 respectively, measured at fair value)		655	516
Loans and leases (includes $175 and $174 respectively, measured at fair value)		126,387	121,982
Allowance for loan and lease losses		(2,235)	(2,255)
Net loans and leases	[1]	124,152	119,727
Bank owned life insurance		2,782	2,759
Accrued income and other receivables		1,633	1,646
Premises and equipment		1,093	1,109
Goodwill		5,561	5,561
Servicing rights and other intangible assets		633	672
Other assets	[1]	5,726	5,150
Total assets		200,535	189,368
Liabilities
Demand deposits—noninterest-bearing		29,047	30,967
Interest-bearing		129,304	120,263
Total deposits		158,351	151,230
Short-term borrowings		868	620
Long-term debt	[1]	15,656	12,394
Other liabilities	[1]	5,008	5,726
Total liabilities		179,883	169,970
Commitments and Contingent Liabilities (Note 15)
Shareholders’ Equity
Preferred stock		2,394	2,394
Common stock		15	15
Capital surplus		15,455	15,389
Less treasury shares, at cost		(89)	(91)
Accumulated other comprehensive income (loss)		(2,104)	(2,676)
Retained earnings		4,935	4,322
Total Huntington shareholders’ equity		20,606	19,353
Non-controlling interest		46	45
Total equity		20,652	19,398
Total liabilities and equity		$ 200,535	$ 189,368
Common shares authorized (in shares)		2,250,000,000	2,250,000,000
Common share outstanding (in shares)		1,452,811,392	1,448,319,953
Treasury shares outstanding (in shares)		7,174,374	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 $1.3 billion and $1.1 billion, respectively, at September 30, 2024, and VIE balances in other assets of $267 million and $82 million, and other liabilities of $121 million and $57 million, at September 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		Sep. 30, 2024	Dec. 31, 2023
Assets
Loans held for sale, fair value		$ 649	$ 506
Loans and leases, fair value		175	174
Long-term debt, fair value		$ 416	$ 0
Shareholders’ Equity
Common stock, par value (in usd per share)		$ 0.01	$ 0.01
Net loans and leases	[1]	$ 124,152	$ 119,727
Long-term debt	[1]	15,656	12,394
Other assets	[1]	5,726	5,150
Other liabilities	[1]	5,008	5,726
Consolidated VIE
Net loans and leases		1,252	0
Long-term debt		1,142	0
Other assets		267	82
Other liabilities		$ 121	$ 57
[1] Includes VIE balances in net loans and leases and long-term debt of $1.3 billion and $1.1 billion, respectively, at September 30, 2024, and VIE balances in other assets of $267 million and $82 million, and other liabilities of $121 million and $57 million, at September 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		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
Interest and fee income:
Loans and leases	$ 1,906	$ 1,764	$ 5,574	$ 5,022
Available-for-sale securities
Taxable	331	259	949	743
Tax-exempt	27	29	81	78
Held-to-maturity securities—taxable	93	99	281	303
Other securities—taxable	11	19	30	40
Other	187	143	496	380
Total interest income	2,555	2,313	7,411	6,566
Interest expense:
Deposits	945	713	2,709	1,689
Short-term borrowings	14	17	52	151
Long-term debt	245	215	700	603
Total interest expense	1,204	945	3,461	2,443
Net interest income	1,351	1,368	3,950	4,123
Provision for credit losses	106	99	313	276
Net interest income after provision for credit losses	1,245	1,269	3,637	3,847
Payments and cash management revenue	158	152	458	435
Wealth and asset management revenue	93	79	271	242
Customer deposit and loan fees	86	80	246	232
Capital markets and advisory fees	78	52	207	179
Leasing revenue	19	32	60	83
Mortgage banking income	38	27	99	86
Insurance income	18	18	55	55
Bank owned life insurance income	20	18	53	50
Gain on sale of loans	7	2	14	13
Net gains (losses) on sales of securities	0	0	0	(4)
Other noninterest income	6	49	18	145
Total noninterest income	523	509	1,481	1,516
Personnel costs	684	622	1,986	1,884
Outside data processing and other services	167	149	498	448
Deposit and other insurance expense	15	25	94	68
Equipment	65	65	197	193
Net occupancy	57	67	165	181
Marketing	33	29	88	86
Professional services	21	27	72	64
Amortization of intangibles	11	12	35	38
Lease financing equipment depreciation	4	6	12	22
Other noninterest expense	73	88	237	242
Total noninterest expense	1,130	1,090	3,384	3,226
Income before income taxes	638	688	1,734	2,137
Provision for income taxes	116	136	308	414
Income after income taxes	522	552	1,426	1,723
Income attributable to non-controlling interest	5	5	16	15
Net income attributable to Huntington	517	547	1,410	1,708
Dividends on preferred shares	36	37	107	106
Net income available to common shareholders, basic	$ 481	$ 510	$ 1,303	$ 1,602
Average common shares—basic (in shares)	1,452,682	1,447,993	1,450,794	1,445,878
Average common shares—diluted (in shares)	1,476,982	1,467,611	1,474,859	1,467,537
Per common share:
Net income—basic (in usd per share)	$ 0.33	$ 0.35	$ 0.90	$ 1.11
Net income—diluted (in usd per share)	$ 0.33	$ 0.35	$ 0.88	$ 1.09

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income (Unaudited) - USD ($) $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
Statement of Comprehensive Income [Abstract]
Net income attributable to Huntington	$ 517	$ 547	$ 1,410	$ 1,708
Other comprehensive income (loss), net of tax:
Unrealized gains (losses) on available-for-sale securities, net of hedges	445	(566)	247	(495)
Net change related to cash flow hedges on loans	360	(50)	324	(30)
Translation adjustments, net of hedges	2	(1)	0	0
Change in accumulated unrealized gains for pension and other post-retirement obligations	0	1	1	1
Other comprehensive income (loss), net of tax	807	(616)	572	(524)
Comprehensive income (loss) attributable to Huntington	1,324	(69)	1,982	1,184
Comprehensive income attributed to non-controlling interest	5	5	16	15
Comprehensive income (loss)	$ 1,329	$ (64)	$ 1,998	$ 1,199

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	1,723	1,708						1,708	15
Other comprehensive income, net of tax	(524)	(524)					(524)
Net proceeds from issuance of Series J preferred stock	317	317	317
Cash dividends declared:
Common	(683)	(683)						(683)
Preferred	(106)	(106)						(106)
Recognition of the fair value of share-based compensation	73	73			73
Other share-based compensation activity	(22)	(22)		$ 1	(19)			(4)
Other share-based compensation activity (in shares)				6,077,000
Other	(17)	(11)				$ (11)		0	(6)
Other (in shares)						(1,070,000)
Balance, end of period at Sep. 30, 2023	18,530	18,483	2,484	$ 15	15,363	$ (91)	(3,622)	4,334	47
Balance, end of period, common stock (in shares) at Sep. 30, 2023				1,455,467,000
Balance, end of period, treasury stock (in shares) at Sep. 30, 2023						(7,392,000)
Balance, beginning of period at Jun. 30, 2023	18,838	18,788	2,484	$ 15	15,335	$ (92)	(3,006)	4,052	50
Balance, beginning of period, common stock (in shares) at Jun. 30, 2023				1,455,312,000
Balance, beginning of period, treasury stock (in shares) at Jun. 30, 2023						(7,430,000)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	552	547						547	5
Other comprehensive income, net of tax	(616)	(616)					(616)
Cash dividends declared:
Common	(228)	(228)						(228)
Preferred	(37)	(37)						(37)
Recognition of the fair value of share-based compensation	26	26			26
Other share-based compensation activity	2	2		$ 0	2			0
Other share-based compensation activity (in shares)				155,000
Other	(7)	1			0	$ 1		0	(8)
Other (in shares)						38,000
Balance, end of period at Sep. 30, 2023	18,530	18,483	2,484	$ 15	15,363	$ (91)	(3,622)	4,334	47
Balance, end of period, common stock (in shares) at Sep. 30, 2023				1,455,467,000
Balance, end of period, treasury stock (in shares) at Sep. 30, 2023						(7,392,000)
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	$ 1,426	1,410						1,410	16
Other comprehensive income, net of tax	572	572					572
Cash dividends declared:
Common	(687)	(687)						(687)
Preferred	(107)	(107)						(107)
Recognition of the fair value of share-based compensation	81	81			81
Other share-based compensation activity	(18)	(18)		$ 0	(15)			(3)
Other share-based compensation activity (in shares)				4,263,000
Other	(13)	2			0	$ 2		0	(15)
Other (in shares)						229,000
Balance, end of period at Sep. 30, 2024	$ 20,652	20,606	2,394	$ 15	15,455	$ (89)	(2,104)	4,935	46
Balance, end of period, common stock (in shares) at Sep. 30, 2024	1,452,811,392			1,459,986,000
Balance, end of period, treasury stock (in shares) at Sep. 30, 2024	(7,174,374)					(7,174,000)
Balance, beginning of period at Jun. 30, 2024	$ 19,563	19,515	2,394	$ 15	15,425	$ (90)	(2,911)	4,682	48
Balance, beginning of period, common stock (in shares) at Jun. 30, 2024				1,459,756,000
Balance, beginning of period, treasury stock (in shares) at Jun. 30, 2024						(7,323,000)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	522	517						517	5
Other comprehensive income, net of tax	807	807					807
Cash dividends declared:
Common	(229)	(229)						(229)
Preferred	(36)	(36)						(36)
Recognition of the fair value of share-based compensation	28	28			28
Other share-based compensation activity	3	3		$ 0	2			1
Other share-based compensation activity (in shares)				230,000
Other	(6)	1			0	$ 1		0	(7)
Other (in shares)						149,000
Balance, end of period at Sep. 30, 2024	$ 20,652	$ 20,606	$ 2,394	$ 15	$ 15,455	$ (89)	$ (2,104)	$ 4,935	$ 46
Balance, end of period, common stock (in shares) at Sep. 30, 2024	1,452,811,392			1,459,986,000
Balance, end of period, treasury stock (in shares) at Sep. 30, 2024	(7,174,374)					(7,174,000)

Consolidated Statements of Ch_2

Consolidated Statements of Changes in Shareholders' Equity (Unaudited) (Parenthetical) - $ / shares	3 Months Ended		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
Statement of Stockholders' Equity [Abstract]
Common dividends declared (in usd per share)	$ 0.155	$ 0.155	$ 0.465	$ 0.465

Consolidated Statements of Cash

Consolidated Statements of Cash Flows (Unaudited) - USD ($) $ in Millions		9 Months Ended
		Sep. 30, 2024	Sep. 30, 2023
Operating activities
Income after income taxes		$ 1,426	$ 1,723
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for credit losses		313	276
Depreciation and amortization		492	558
Share-based compensation expense		81	73
Deferred income tax (benefit) expense		(55)	12
Net change in:
Trading account securities		(347)	(102)
Loans held for sale		(199)	(159)
Other assets		(636)	(915)
Other liabilities		(751)	289
Other, net		7	4
Net cash provided by operating activities		331	1,759
Investing activities
Change in interest bearing deposits in banks		(44)	(24)
Proceeds from:
Maturities and calls of available-for-sale securities		8,166	1,743
Maturities and calls of held-to-maturity securities		1,054	1,132
Maturities and calls of other securities		54	596
Sales of available-for-sale securities		10	738
Sales of other securities		0	143
Purchases of available-for-sale securities		(10,678)	(1,710)
Purchases of held-to-maturity securities		(995)	(255)
Purchases of other securities		(155)	(603)
Net proceeds from sales of portfolio loans and leases		268	355
Principal payments received under direct finance and sales-type leases		1,344	1,411
Net loan and lease activity, excluding sales and purchases		(6,043)	(3,273)
Purchases of premises and equipment		(116)	(80)
Purchases of loans and leases		(347)	(52)
Net accrued income and other receivables activity		87	126
Other, net		60	65
Net cash by provided by (used in) investing activities		(7,335)	312
Financing activities
Increase in deposits		7,121	953
Increase (decrease) in short-term borrowings		48	(1,066)
Net proceeds from issuance of long-term debt		5,374	14,897
Maturity/redemption of long-term debt		(2,253)	(11,632)
Dividends paid on preferred stock		(107)	(97)
Dividends paid on common stock		(677)	(674)
Net proceeds from issuance of preferred stock		0	317
Other, net		(46)	(38)
Net cash provided by financing activities		9,460	2,660
Increase in cash and cash equivalents		2,456	4,731
Cash and cash equivalents at beginning of period	[1]	10,129	6,704
Cash and cash equivalents at end of period	[1]	12,585	11,435
Supplemental disclosures:
Interest paid		3,454	2,342
Income taxes paid		104	6
Non-cash activities
Loans transferred to held-for-sale from portfolio		268	336
Loans transferred to portfolio from held-for-sale		$ 27	$ 18
[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	9 Months Ended
	Sep. 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	9 Months Ended
	Sep. 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	9 Months Ended
	Sep. 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 September 30, 2024 Available-for-sale securities: U.S. Treasury $ 6,508 $ 24 $ (2) $ 6,530 Federal agencies: Residential CMO 3,363 — (341) 3,022 Residential MBS 12,277 5 (1,497) 10,785 Commercial MBS 2,521 — (651) 1,870 Other agencies 140 — (4) 136 Total U.S. Treasury, federal agency, and other agency securities 24,809 29 (2,495) 22,343 Municipal securities 3,756 4 (112) 3,648 Private-label CMO 122 — (8) 114 Asset-backed securities 323 — (17) 306 Corporate debt 2,179 62 (170) 2,071 Other securities/sovereign debt 10 — — 10 Total available-for-sale securities $ 31,199 $ 95 $ (2,802) $ 28,492 Held-to-maturity securities: U.S. Treasury $ 996 $ 2 $ (1) $ 997 Federal agencies: Residential CMO 4,429 11 (570) 3,870 Residential MBS 8,735 1 (983) 7,753 Commercial MBS 1,428 — (192) 1,236 Other agencies 80 — (4) 76 Total federal agency and other agency securities 15,668 14 (1,750) 13,932 Municipal securities 2 — (1) 1 Total held-to-maturity securities $ 15,670 $ 14 $ (1,751) $ 13,933 Other securities, at cost: Non-marketable equity securities: Federal Home Loan Bank stock $ 249 $ — $ — $ 249 Federal Reserve Bank stock 520 — — 520 Other non-marketable equity securities 25 — — 25 Other securities, at fair value: Mutual funds 31 — — 31 Equity securities 1 — — 1 Total other securities $ 826 $ — $ — $ 826 (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 September 30, 2024, accrued interest receivable on available-for-sale securities and held-to-maturity securities totaled $88 million and $38 million, respectively. (2) Excluded from the amortized cost are portfolio level basis adjustments for securities designated in fair value hedges under the portfolio layer method. The basis adjustments totaled $377 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 U.S. Treasury, 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 September 30, 2024 At December 31, 2023 (dollar amounts in millions) Amortized Fair Amortized Fair Available-for-sale securities: Under 1 year $ 4,936 $ 4,939 $ 3,380 $ 3,372 After 1 year through 5 years 4,817 4,717 2,484 2,338 After 5 years through 10 years 2,392 2,286 2,392 2,255 After 10 years 19,054 16,550 20,309 17,340 Total available-for-sale securities $ 31,199 $ 28,492 $ 28,565 $ 25,305 Held-to-maturity securities: Under 1 year $ 245 $ 245 $ 1 $ 1 After 1 year through 5 years 784 784 48 46 After 5 years through 10 years 63 60 69 66 After 10 years 14,578 12,844 15,632 13,605 Total held-to-maturity securities $ 15,670 $ 13,933 $ 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 September 30, 2024 Available-for-sale securities: U.S. Treasury $ 885 $ (2) $ — $ — $ 885 $ (2) Federal agencies: Residential CMO — — 2,977 (341) 2,977 (341) Residential MBS — — 10,422 (1,497) 10,422 (1,497) Commercial MBS — — 1,870 (651) 1,870 (651) Other agencies — — 71 (4) 71 (4) Total U.S. Treasury, federal agency, and other agency securities 885 (2) 15,340 (2,493) 16,225 (2,495) Municipal securities 504 (7) 2,536 (105) 3,040 (112) Private-label CMO — — 92 (8) 92 (8) Asset-backed securities — — 272 (17) 272 (17) Corporate debt — — 2,071 (170) 2,071 (170) Total temporarily impaired available-for-sale securities $ 1,389 $ (9) $ 20,311 $ (2,793) $ 21,700 $ (2,802) Held-to-maturity securities: U.S. Treasury $ 554 $ (1) $ — $ — $ 554 $ (1) Federal agencies: Residential CMO — — 3,366 (570) 3,366 (570) Residential MBS — — 7,646 (983) 7,646 (983) Commercial MBS — — 1,236 (192) 1,236 (192) Other agencies — — 76 (4) 76 (4) Total U.S. Treasury, federal agency, and other agency securities 554 (1) 12,324 (1,749) 12,878 (1,750) Municipal securities — — 1 (1) 1 (1) Total temporarily impaired held-to-maturity securities $ 554 $ (1) $ 12,325 $ (1,750) $ 12,879 $ (1,751) 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 September 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 $36.8 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 September 30, 2024 or December 31, 2023. At September 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 September 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 September 30, 2024, Huntington has concluded that, except for one municipal bond classified as an AFS debt security for which $2 million of write-downs were recognized during 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 September 30, 2024 or December 31, 2023.

LOANS AND LEASES

LOANS AND LEASES	9 Months Ended
	Sep. 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 September 30, 2024 At December 31, 2023 Commercial loan and lease portfolio: Commercial and industrial $ 53,601 $ 50,657 Commercial real estate 11,543 12,422 Lease financing 5,342 5,228 Total commercial loan and lease portfolio 70,486 68,307 Consumer loan portfolio: Residential mortgage 24,100 23,720 Automobile 14,003 12,482 Home equity 10,129 10,113 RV and marine 6,042 5,899 Other consumer 1,627 1,461 Total consumer loan portfolio 55,901 53,675 Total loans and leases (1)(2) 126,387 121,982 Allowance for loan and lease losses (2,235) (2,255) Net loans and leases $ 124,152 $ 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 $348 million and $323 million at September 30, 2024 and December 31, 2023, respectively. (2) The total amount of accrued interest recorded for these loans and leases at September 30, 2024 was $314 million and $229 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 September 30, 2024 At December 31, 2023 Lease payments receivable $ 5,091 $ 4,980 Estimated residual value of leased assets 868 804 Gross investment in lease financing receivables 5,959 5,784 Deferred origination costs 53 54 Deferred fees, unearned income and other (670) (610) Total lease financing receivables $ 5,342 $ 5,228 The carrying value of residual values guaranteed was $513 million and $478 million as of September 30, 2024 and December 31, 2023, respectively. The future lease rental payments due from customers on sales-type and direct financing leases at September 30, 2024, totaled $5.1 billion and were due as follows: $818 million in 2024, $775 million in 2025, $781 million in 2026, $813 million in 2027, $851 million in 2028, and $1.1 billion thereafter. Interest income recognized for these types of leases was $86 million and $73 million for the three-month periods ended September 30, 2024 and 2023, respectively. For the nine-month periods ended September 30, 2024 and 2023, interest income recognized for these types of leases was $246 million and $211 million, respectively. Nonaccrual and Past Due Loans and Leases The following table presents NALs by class. At September 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 $ 86 $ 408 $ 66 $ 344 Commercial real estate 39 132 64 140 Lease financing — 9 3 14 Residential mortgage — 82 — 72 Automobile — 5 — 4 Home equity — 100 — 91 RV and marine — 2 — 2 Total nonaccrual loans and leases $ 125 $ 738 $ 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 September 30, 2024 Commercial and industrial $ 83 $ 34 $ 172 $ 289 $ 53,312 $ — $ 53,601 $ 6 (2) Commercial real estate 9 13 39 61 11,482 — 11,543 — Lease financing 30 10 17 57 5,285 — 5,342 16 Residential mortgage 198 77 214 489 23,436 175 24,100 164 (3) Automobile 96 24 13 133 13,870 — 14,003 10 Home equity 60 34 86 180 9,949 — 10,129 20 RV and marine 22 6 4 32 6,010 — 6,042 3 Other consumer 13 6 5 24 1,603 — 1,627 5 Total loans and leases $ 511 $ 204 $ 550 $ 1,265 $ 124,947 $ 175 $ 126,387 $ 224 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 September 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 $ 11,336 $ 8,855 $ 7,091 $ 2,722 $ 1,695 $ 1,938 $ 16,729 $ 6 $ 50,372 OLEM 94 157 152 50 13 28 215 — 709 Substandard 354 396 409 169 100 184 895 — 2,507 Doubtful — 5 7 — — 1 — — 13 Total Commercial and industrial $ 11,784 $ 9,413 $ 7,659 $ 2,941 $ 1,808 $ 2,151 $ 17,839 $ 6 $ 53,601 Commercial real estate Credit Quality Indicator (1): Pass $ 934 $ 1,166 $ 3,076 $ 1,425 $ 996 $ 1,999 $ 571 $ — $ 10,167 OLEM 8 75 259 142 — 65 — — 549 Substandard 222 37 269 123 4 161 11 — 827 Total Commercial real estate $ 1,164 $ 1,278 $ 3,604 $ 1,690 $ 1,000 $ 2,225 $ 582 $ — $ 11,543 Lease financing Credit Quality Indicator (1): Pass $ 1,349 $ 1,728 $ 990 $ 610 $ 400 $ 185 $ — $ — $ 5,262 OLEM 1 2 3 2 6 1 — — 15 Substandard 2 14 29 6 6 8 — — 65 Total Lease financing $ 1,352 $ 1,744 $ 1,022 $ 618 $ 412 $ 194 $ — $ — $ 5,342 Residential mortgage Credit Quality Indicator (2): 750+ $ 1,148 $ 2,354 $ 4,010 $ 5,733 $ 3,068 $ 2,649 $ — $ — $ 18,962 650-749 592 617 746 800 452 818 — — 4,025 <650 36 55 110 106 67 564 — — 938 Total Residential mortgage $ 1,776 $ 3,026 $ 4,866 $ 6,639 $ 3,587 $ 4,031 $ — $ — $ 23,925 Automobile Credit Quality Indicator (2): 750+ $ 3,249 $ 1,817 $ 1,503 $ 1,065 $ 432 $ 167 $ — $ — $ 8,233 650-749 1,872 1,138 827 544 201 82 — — 4,664 <650 217 258 267 227 87 50 — — 1,106 Total Automobile $ 5,338 $ 3,213 $ 2,597 $ 1,836 $ 720 $ 299 $ — $ — $ 14,003 Home equity Credit Quality Indicator (2): 750+ $ 154 $ 350 $ 388 $ 464 $ 482 $ 212 $ 4,543 $ 230 $ 6,823 650-749 57 98 82 52 47 82 2,039 220 2,677 <650 2 7 10 4 4 42 422 138 629 Total Home equity $ 213 $ 455 $ 480 $ 520 $ 533 $ 336 $ 7,004 $ 588 $ 10,129 RV and marine Credit Quality Indicator (2): 750+ $ 805 $ 956 $ 850 $ 745 $ 499 $ 745 $ — $ — $ 4,600 650-749 201 293 208 213 130 240 — — 1,285 <650 4 19 22 32 22 58 — — 157 Total RV and marine $ 1,010 $ 1,268 $ 1,080 $ 990 $ 651 $ 1,043 $ — $ — $ 6,042 Other consumer Credit Quality Indicator (2): 750+ $ 228 $ 110 $ 56 $ 26 $ 12 $ 52 $ 430 $ 2 $ 916 650-749 104 64 26 10 3 10 407 8 632 <650 5 10 5 2 1 2 45 9 79 Total Other consumer $ 337 $ 184 $ 87 $ 38 $ 16 $ 64 $ 882 $ 19 $ 1,627 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 September 30, 2024 Commercial and industrial $ 1 $ 7 $ 30 $ 13 $ 1 $ 2 $ 8 $ 1 $ 63 Commercial real estate 2 2 — 1 — — 4 — 9 Lease financing — 1 — 1 — — — — 2 Residential mortgage — — — — — — — — — Automobile 2 5 4 3 1 1 — — 16 Home equity — — — — — 1 — 1 2 RV and marine — 1 1 2 1 2 — — 7 Other consumer 5 6 4 2 1 4 — 8 30 Total $ 10 $ 22 $ 39 $ 22 $ 4 $ 10 $ 12 $ 10 $ 129 Nine months ended September 30, 2024 Commercial and industrial $ 1 $ 17 $ 60 $ 35 $ 12 $ 6 $ 28 $ 2 $ 161 Commercial real estate 11 4 30 3 — 24 4 — 76 Lease financing — 2 1 2 — 1 — — 6 Residential mortgage — — — — — 2 — — 2 Automobile 2 13 13 10 4 3 — — 45 Home equity — — — — — 1 1 4 6 RV and marine — 2 3 5 3 8 — — 21 Other consumer 8 19 12 6 3 11 — 26 85 Total $ 22 $ 57 $ 119 $ 61 $ 22 $ 56 $ 33 $ 32 $ 402 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 September 30, 2023 Commercial and industrial $ 2 $ 21 $ 6 $ 6 $ 15 $ 1 $ 3 $ — $ 54 Commercial real estate 5 6 — — 10 — 7 — 28 Lease financing — 3 — — — — — — 3 Residential mortgage — — — — — 1 — — 1 Automobile 1 5 3 1 1 1 — — 12 Home equity — — — — — 1 — 1 2 RV and marine — — 1 1 1 2 — — 5 Other consumer 5 5 3 1 1 4 — 7 26 Total $ 13 $ 40 $ 13 $ 9 $ 28 $ 10 $ 10 $ 8 $ 131 Nine months ended September 30, 2023 Commercial and industrial $ 4 $ 39 $ 23 $ 13 $ 26 $ 11 $ 7 $ 1 $ 124 Commercial real estate 5 9 19 — 15 5 7 — 60 Lease financing — 3 1 1 — 1 — — 6 Residential mortgage — — 1 — — 3 — — 4 Automobile 1 11 11 5 4 3 — — 35 Home equity — — — — — 1 1 4 6 RV and marine — 1 2 2 2 5 — — 12 Other consumer 8 18 11 4 4 10 — 20 75 Total $ 18 $ 81 $ 68 $ 25 $ 51 $ 39 $ 15 $ 25 $ 322 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 September 30, 2024 Commercial and industrial $ 22 $ 165 $ — $ 17 $ 204 0.38 % Commercial real estate — 168 — 11 179 1.55 Residential mortgage — 15 1 1 17 0.07 Automobile — 3 — — 3 0.02 Home equity — 1 — 3 4 0.04 Other consumer 1 — — — 1 0.06 Total loans to borrowers experiencing financial difficulty in which modifications were made $ 23 $ 352 $ 1 $ 32 $ 408 0.34 % Three months ended September 30, 2023 Commercial and industrial $ 1 $ 147 $ — $ 1 $ 149 0.30 % Commercial real estate — 52 — 4 56 0.44 Residential mortgage — 15 — 1 16 0.07 Automobile — 4 — — 4 0.03 Home equity — — — 3 3 0.03 Total loans to borrowers experiencing financial difficulty in which modifications were made $ 1 $ 218 $ — $ 9 $ 228 0.20 % Nine months ended September 30, 2024 Commercial and industrial $ 42 $ 240 $ — $ 63 $ 345 0.64 % Commercial real estate — 228 — 25 253 2.19 Residential mortgage — 37 5 3 45 0.19 Automobile — 10 — 1 11 0.08 Home equity — 4 — 9 13 0.13 RV and marine — 1 — — 1 0.02 Other consumer 1 — — — 1 0.06 Total loans to borrowers experiencing financial difficulty in which modifications were made $ 43 $ 520 $ 5 $ 101 $ 669 0.55 % Nine months ended September 30, 2023 Commercial and industrial $ 33 $ 291 $ — $ 4 $ 328 0.66 % Commercial real estate — 138 — 4 142 1.12 Residential mortgage — 50 2 3 55 0.23 Automobile — 11 — 1 12 0.09 Home equity — 1 — 8 9 0.09 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 $ 34 $ 492 $ 2 $ 20 $ 548 0.47 % (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 September 30, 2024 Commercial and industrial 7.81 % 6.56 % 0.7 Commercial real estate 8.60 % 7.96 % 1.0 Residential mortgage 5.8 Three months ended September 30, 2023 Commercial and industrial 1.0 Commercial real estate 0.6 Residential mortgage 8.4 Nine months ended September 30, 2024 Commercial and industrial 8.80 % 7.60 % 0.8 Commercial real estate 8.26 % 7.90 % 1.0 Residential mortgage 6.9 Automobile 1.6 Home equity 12.7 Nine months ended September 30, 2023 Commercial and industrial 7.96 % 7.25 % 1.0 Commercial real estate 0.7 Residential mortgage 7.6 Automobile 2.0 (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 September 30, 2024 Commercial and industrial $ 1 $ 2 $ 4 $ 7 $ 418 $ 425 Commercial real estate 9 — 5 14 245 259 Residential mortgage 10 4 11 25 29 54 Automobile 2 1 — 3 12 15 Home equity 1 — 4 5 11 16 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 September 30, 2024 $ 23 $ 7 $ 24 $ 54 $ 718 $ 772 At September 30, 2023 (1) Commercial and industrial $ 2 $ 1 $ 3 $ 6 $ 322 $ 328 Commercial real estate — 5 1 6 136 142 Residential mortgage 10 5 7 22 33 55 Automobile 1 — — 1 11 12 Home equity — — 1 1 8 9 RV and marine — — — — 1 1 Other consumer — — — — 1 1 Total loans to borrowers experiencing financial difficulty in which modifications were made in the nine months ended September 30, 2023 (1) $ 13 $ 11 $ 12 $ 36 $ 512 $ 548 (1) Huntington adopted ASU 2022-02 - Financial Instruments - Credit Losses (Topic 326): Troubled Debt Restructurings and Vintage Disclosures effective January 1, 2023, therefore, the September 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 September 30, 2024 and December 31, 2023, loans and leases totaling $102.2 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	9 Months Ended
	Sep. 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 September 30, 2024 ALLL balance, beginning of period $ 1,587 $ 717 $ 2,304 Loan and lease charge-offs (74) (55) (129) Recoveries of loans and leases previously charged-off 20 16 36 Provision (benefit) for loan and lease losses (35) 59 24 ALLL balance, end of period $ 1,498 $ 737 $ 2,235 AULC balance, beginning of period $ 64 $ 55 $ 119 Provision for unfunded lending commitments 76 6 82 AULC balance, end of period $ 140 $ 61 $ 201 ACL balance, end of period $ 1,638 $ 798 $ 2,436 Three months ended September 30, 2023 ALLL balance, beginning of period $ 1,483 $ 694 $ 2,177 Loan and lease charge-offs (85) (46) (131) Recoveries of loans and leases previously charged-off 40 18 58 Provision for loan and lease losses 66 38 104 ALLL balance, end of period $ 1,504 $ 704 $ 2,208 AULC balance, beginning of period $ 78 $ 87 $ 165 Provision (benefit) for unfunded lending commitments (2) (3) (5) AULC balance, end of period $ 76 $ 84 $ 160 ACL balance, end of period $ 1,580 $ 788 $ 2,368 (dollar amounts in millions) Commercial Consumer Total Nine months ended September 30, 2024 ALLL balance, beginning of period $ 1,563 $ 692 $ 2,255 Loan and lease charge-offs (243) (159) (402) Recoveries of loans and leases previously charged-off 77 50 127 Provision for loan and lease losses 101 154 255 ALLL balance, end of period $ 1,498 $ 737 $ 2,235 AULC balance, beginning of period $ 66 $ 79 $ 145 Provision (benefit) for unfunded lending commitments 74 (18) 56 AULC balance, end of period $ 140 $ 61 $ 201 ACL balance, end of period $ 1,638 $ 798 $ 2,436 Nine months ended September 30, 2023 ALLL balance, beginning of period $ 1,424 $ 697 $ 2,121 Loan and lease charge-offs (190) (132) (322) Recoveries of loans and leases previously charged-off 89 54 143 Provision for loan and lease losses 181 85 266 ALLL balance, end of period $ 1,504 $ 704 $ 2,208 AULC balance, beginning of period $ 71 $ 79 $ 150 Provision for unfunded lending commitments 5 5 10 AULC balance, end of period $ 76 $ 84 $ 160 ACL balance, end of period $ 1,580 $ 788 $ 2,368 At September 30, 2024, the ACL was $2.4 billion, an increase of $36 million driven by loan and lease portfolio growth compared to December 31, 2023. The commercial ACL was $1.6 billion at both September 30, 2024 and December 31, 2023. The consumer ACL was $798 million at September 30, 2024 and $771 million at December 31, 2023. The baseline economic scenario used in the September 30, 2024 ACL determination projected the Federal Reserve to have entered into a cycle of rate cuts, with regular cuts forecast throughout the remainder of 2024 through 2026 until reaching a federal funds rate of 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 have peaked at 4.2% in the third quarter of 2024. Marginal improvement is expected with unemployment returning to 4.0% by 2026.

MORTGAGE LOAN SALES AND SERVICI

MORTGAGE LOAN SALES AND SERVICING RIGHTS	9 Months Ended
	Sep. 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 Nine Months Ended (dollar amounts in millions) September 30, 2024 September 30, 2023 September 30, 2024 September 30, 2023 Residential mortgage loans sold with servicing retained $ 1,150 $ 1,100 $ 2,944 $ 3,079 Pretax gains resulting from above loan sales (1) 17 21 49 43 Total servicing, late, and other ancillary fees (1) 27 25 78 72 (1) Included in mortgage banking income. The following table summarizes the changes in MSRs recorded using the fair value method. Three Months Ended Nine Months Ended (dollar amounts in millions) September 30, 2024 September 30, 2023 September 30, 2024 September 30, 2023 Fair value, beginning of period $ 543 $ 505 $ 515 $ 494 New servicing assets created 12 17 33 48 Change in fair value during the period due to: Time decay (1) (6) (6) (19) (18) Payoffs (2) (9) (7) (21) (18) Changes in valuation inputs or assumptions (3) (25) 38 7 41 Fair value, end of period $ 515 $ 547 $ 515 $ 547 Loans serviced for third parties, unpaid principal balance, end of period $ 33,565 $ 32,965 $ 33,565 $ 32,965 (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 September 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) 9.29 % $ (14) $ (28) 8.61 % $ (15) $ (28) Spread over forward interest rate swap rates 570 bps (12) (23) 538 bps (11) (22)

BORROWINGS

BORROWINGS	9 Months Ended
	Sep. 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 September 30, 2024 At December 31, 2023 Securities sold under agreements to repurchase $ 142 $ 618 Other borrowings 726 2 Total short-term borrowings $ 868 $ 620 The carrying value of assets pledged as collateral against repurchase agreements totaled $189 million and $840 million as of September 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 September 30, 2024 At December 31, 2023 The Parent Company: Senior Notes $ 4,834 $ 4,233 Subordinated Notes 772 760 Total notes issued by the parent 5,606 4,993 The Bank: Senior Notes 2,762 3,480 Subordinated Notes 516 662 Total notes issued by the bank 3,278 4,142 FHLB Advances 4,734 2,731 Auto Loan Securitization Trust (1) 1,142 — Credit Linked Notes (2) 416 — Other 480 528 Total long-term debt $ 15,656 $ 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. (2) Represents notes issued in a CLN transaction on a $4.0 billion reference pool of Huntington’s auto-secured loans. 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 September 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	9 Months Ended
	Sep. 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 September 30, 2024 Unrealized gains on available-for-sale securities arising during the period, net of hedges $ 573 $ (131) $ 442 Reclassification adjustment for realized net losses included in net income 4 (1) 3 Total unrealized gains on available-for-sale securities, net of hedges 577 (132) 445 Unrealized gains on cash flow hedges during the period 412 (95) 317 Reclassification adjustment for cash flow hedges included in net income 55 (12) 43 Net change related to cash flow hedges on loans 467 (107) 360 Translation adjustments, net of hedges (1) 2 — 2 Change in accumulated unrealized gains for pension and other post-retirement obligations 1 (1) — Other comprehensive income $ 1,047 $ (240) $ 807 Three months ended September 30, 2023 Unrealized losses on available-for-sale securities arising during the period, net of hedges $ (739) $ 170 $ (569) Reclassification adjustment for realized net losses included in net income 3 — 3 Total unrealized losses on available-for-sale securities, net of hedges (736) 170 (566) Unrealized losses on cash flow hedges during the period (119) 28 (91) Reclassification adjustment for cash flow hedges included in net income 67 (26) 41 Net change related to cash flow hedges on loans (52) 2 (50) Translation adjustments, net of hedges (1) (1) — (1) Change in accumulated unrealized gains for pension and other post-retirement obligations 1 — 1 Other comprehensive loss $ (788) $ 172 $ (616) Nine months ended September 30, 2024 Unrealized gains on available-for-sale securities arising during the period, net of hedges $ 310 $ (70) $ 240 Reclassification adjustment for realized net losses included in net income 9 (2) 7 Total unrealized gains on available-for-sale securities, net of hedges 319 (72) 247 Unrealized gains on cash flow hedges during the period 231 (53) 178 Reclassification adjustment for cash flow hedges included in net income 190 (44) 146 Net change related to cash flow hedges on loans 421 (97) 324 Change in accumulated unrealized gains for pension and other post-retirement obligations 2 (1) 1 Other comprehensive income $ 742 $ (170) $ 572 Nine months ended September 30, 2023 Unrealized losses on available-for-sale securities arising during the period, net of hedges $ (685) $ 158 $ (527) Reclassification adjustment for realized net losses included in net income 41 (9) 32 Total unrealized losses on available-for-sale securities (644) 149 (495) Unrealized losses on cash flow hedges during the period (154) 40 (114) Reclassification adjustment for cash flow hedges included in net income 113 (29) 84 Net change related to cash flow hedges on loans (41) 11 (30) Change in accumulated unrealized gains for pension and other post-retirement obligations 1 — 1 Other comprehensive loss $ (684) $ 160 $ (524) (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 September 30, 2024 Balance, beginning of period $ (2,292) $ (399) $ (8) $ (212) $ (2,911) Other comprehensive income before reclassifications 442 317 2 — 761 Amounts reclassified from accumulated OCI to earnings 3 43 — — 46 Period change 445 360 2 — 807 Balance, end of period $ (1,847) $ (39) $ (6) $ (212) $ (2,104) Three months ended September 30, 2023 Balance, beginning of period $ (2,177) $ (612) $ (7) $ (210) $ (3,006) Other comprehensive loss before reclassifications (569) (91) (1) — (661) Amounts reclassified from accumulated OCI to earnings 3 41 — 1 45 Period change (566) (50) (1) 1 (616) Balance, end of period $ (2,743) $ (662) $ (8) $ (209) $ (3,622) Nine months ended September 30, 2024 Balance, beginning of period $ (2,094) $ (363) $ (6) $ (213) $ (2,676) Other comprehensive income before reclassifications 240 178 — — 418 Amounts reclassified from accumulated OCI to earnings 7 146 — 1 154 Period change 247 324 — 1 572 Balance, end of period $ (1,847) $ (39) $ (6) $ (212) $ (2,104) Nine months ended September 30, 2023 Balance, beginning of period $ (2,248) $ (632) $ (8) $ (210) $ (3,098) Other comprehensive loss before reclassifications (527) (114) — — (641) Amounts reclassified from accumulated OCI to earnings 32 84 — 1 117 Period change (495) (30) — 1 (524) Balance, end of period $ (2,743) $ (662) $ (8) $ (209) $ (3,622) (1) AOCI amounts at September 30, 2024 and September 30, 2023 include $52 million and $60 million, respectively, of net unrealized losses (after-tax) on securities transferred from the available-for-sale securities portfolio to the held-to-maturity securities portfolio. The net unrealized losses will be recognized in earnings over the remaining life of the security using the effective interest method.

SHAREHOLDERS' EQUITY

SHAREHOLDERS' EQUITY	9 Months Ended
	Sep. 30, 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 September 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. On October 15, 2024, all 4,086.75 outstanding shares of Series E Preferred Stock, consisting of 408,675 depositary shares each representing a 1/100th interest in a share of Huntington’s 5.7000% Series E Non-Cumulative Perpetual Preferred Stock, par value $0.01 per share, were redeemed. The depositary shares were redeemed at par plus declared and unpaid dividends of $21.5765 per depositary share (equivalent to $2,157.65 per share of Series E Preferred Stock) for the period beginning on July 15, 2024 to, but not including, October 15, 2024. Effective October 15, 2024, all dividends on the shares of Series E Preferred Stock ceased to accrue. The following table presents the dividends declared for each series of Preferred shares. Three Months Ended Nine Months Ended (amounts in millions, except per share data) September 30, 2024 September 30, 2023 September 30, 2024 September 30, 2023 Cash Dividend Declared Per Share Cash Dividend Declared Per Share Cash Dividend Declared Per Share Cash Dividend Declared Per Share Preferred Series Amount ($) Amount ($) Amount ($) Amount ($) Series B $ 20.66 $ 1 $ 20.67 $ 1 $ 62.08 $ 2 $ 59.39 $ 2 Series E 2,157.65 9 2,112.39 11 6,412.62 26 5,572.46 28 Series F 1,406.25 7 1,406.25 7 4,218.75 21 4,218.75 21 Series G 1,112.50 6 1,112.50 5 3,337.50 17 3,337.50 17 Series H 11.25 5 11.25 5 33.75 17 33.75 17 Series I 356.25 2 356.25 2 1,068.75 7 1,068.75 7 Series J 17.19 6 17.19 6 51.57 17 41.83 14 Total $ 36 $ 37 $ 107 $ 106

EARNINGS PER SHARE

EARNINGS PER SHARE	9 Months Ended
	Sep. 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 Nine Months Ended (dollar amounts in millions, except per share data, share count in thousands) September 30, 2024 September 30, 2023 September 30, 2024 September 30, 2023 Basic earnings per common share: Net income attributable to Huntington $ 517 $ 547 $ 1,410 $ 1,708 Preferred stock dividends 36 37 107 106 Net income available to common shareholders $ 481 $ 510 $ 1,303 $ 1,602 Average common shares issued and outstanding 1,452,682 1,447,993 1,450,794 1,445,878 Basic earnings per common share $ 0.33 $ 0.35 $ 0.90 $ 1.11 Diluted earnings per common share: Average dilutive potential common shares: Stock options and restricted stock units and awards 17,061 12,183 16,622 14,670 Shares held in deferred compensation plans 7,239 7,435 7,443 6,989 Average dilutive potential common shares 24,300 19,618 24,065 21,659 Total diluted average common shares issued and outstanding 1,476,982 1,467,611 1,474,859 1,467,537 Diluted earnings per common share $ 0.33 $ 0.35 $ 0.88 $ 1.09 Anti-dilutive awards (1) 4,253 11,736 7,002 11,188 (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	9 Months Ended
	Sep. 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 Nine Months Ended Noninterest income September 30, 2024 September 30, 2023 September 30, 2024 September 30, 2023 Noninterest income from contracts with customers $ 362 $ 338 $ 1,058 $ 1,047 Noninterest income within the scope of other GAAP topics 161 171 423 469 Total noninterest income $ 523 $ 509 $ 1,481 $ 1,516 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 September 30, 2024 Payments and cash management revenue $ 114 $ 29 $ — $ 143 Wealth and asset management revenue 89 4 — 93 Customer deposit and loan fees 57 1 — 58 Capital markets and advisory fees 5 32 — 37 Leasing revenue 1 9 — 10 Insurance income 15 3 (1) 17 Other noninterest income 2 3 (1) 4 Net revenue from contracts with customers 283 81 (2) 362 Noninterest income within the scope of other GAAP topics 55 100 6 161 Total noninterest income $ 338 $ 181 $ 4 $ 523 Three months ended September 30, 2023 Payments and cash management revenue $ 112 $ 26 $ — $ 138 Wealth and asset management revenue 76 3 — 79 Customer deposit and loan fees 55 2 — 57 Capital markets and advisory fees 3 29 (1) 31 Leasing revenue — 12 — 12 Insurance income 17 2 (1) 18 Other noninterest income 4 — (1) 3 Net revenue from contracts with customers 267 74 (3) 338 Noninterest income within the scope of other GAAP topics 40 82 49 171 Total noninterest income $ 307 $ 156 $ 46 $ 509 Nine months ended September 30, 2024 Payments and cash management revenue $ 335 $ 84 $ — $ 419 Wealth and asset management revenue 262 9 — 271 Customer deposit and loan fees 160 8 — 168 Capital markets and advisory fees 16 93 — 109 Leasing revenue 2 28 — 30 Insurance income 47 8 (1) 54 Other noninterest income 6 3 (2) 7 Net revenue from contracts with customers 828 233 (3) 1,058 Noninterest income within the scope of other GAAP topics 140 257 26 423 Total noninterest income $ 968 $ 490 $ 23 $ 1,481 Nine months ended September 30, 2023 Payments and cash management revenue $ 321 $ 76 $ — $ 397 Wealth and asset management revenue 231 11 — 242 Customer deposit and loan fees 152 4 — 156 Capital markets and advisory fees 11 82 (1) 92 Leasing revenue 1 39 — 40 Insurance income 49 7 (1) 55 Other noninterest income 64 3 (2) 65 Net revenue from contracts with customers 829 222 (4) 1,047 Noninterest income within the scope of other GAAP topics 124 257 88 469 Total noninterest income $ 953 $ 479 $ 84 $ 1,516 Huntington generally provides services for customers in which it acts as principal. Payment terms and conditions vary amongst services and customers, and thus impact the timing and amount of revenue recognition. Some fees may be paid before any service is rendered and accordingly, such fees are deferred until the obligations pertaining to those fees are satisfied. Most Huntington contracts with customers are cancelable by either party without penalty or they are short-term in nature, with a contract duration of less than one year. Accordingly, most revenue deferred for the reporting period ended September 30, 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 September 30, 2024 was determined to be immaterial.

FAIR VALUES OF ASSETS AND LIABI

FAIR VALUES OF ASSETS AND LIABILITIES	9 Months Ended
	Sep. 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. Assets and liabilities measured at fair value rarely transfer between Level 1 and Level 2 measurements. There were no such transfers during the three-month and nine-month periods ended September 30, 2024 and 2023. In the second quarter of 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 September 30, 2024 (dollar amounts in millions) Level 1 Level 2 Level 3 Assets Trading account securities: U.S. Treasury securities $ 427 $ — $ — $ — $ 427 Other agencies — 1 — — 1 Municipal securities — 35 — — 35 Corporate debt — 9 — — 9 Total trading account securities 427 45 — — 472 Available-for-sale securities: U.S. Treasury securities 6,530 — — — 6,530 Residential CMO — 3,022 — — 3,022 Residential MBS — 10,785 — — 10,785 Commercial MBS — 1,870 — — 1,870 Other agencies — 136 — — 136 Municipal securities — 37 3,611 — 3,648 Private-label CMO — 92 22 — 114 Asset-backed securities — 272 34 — 306 Corporate debt — 2,071 — — 2,071 Other securities/sovereign debt — 10 — — 10 Total available-for-sale securities 6,530 18,295 3,667 — 28,492 Other securities 31 1 — — 32 Loans held for sale — 649 — — 649 Loans held for investment — 115 60 — 175 MSRs — — 515 — 515 Other assets: Derivative assets — 1,358 5 (888) 475 Assets held in trust for deferred compensation plans 191 — — — 191 Liabilities Long-term debt — 416 — — 416 Derivative liabilities — 870 14 (492) 392 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 September 30, 2024 Opening balance $ 543 $ 1 $ 3,341 $ 20 $ 35 $ 60 Transfers into Level 3 — — — — — 3 Transfers out of Level 3 (1) — (8) — — — — Total gains/losses for the period: Included in earnings: Mortgage banking income (25) 10 — — — — Other noninterest income — (16) — — — — Included in OCI — — 70 — — — Purchases/originations 12 — 390 — — — Repayments — — — — — (3) Settlements (15) 4 (190) 2 (1) — Closing balance $ 515 $ (9) $ 3,611 $ 22 $ 34 $ 60 Change in unrealized gains or losses for the period included in earnings for assets held at end of the reporting date $ (25) $ 2 $ — $ — $ — $ — Change in unrealized gains or losses for the period included in other comprehensive income for assets held at the end of the reporting period — — 68 — — — Three months ended September 30, 2023 Opening balance $ 505 $ (2) $ 3,496 $ 20 $ 75 $ 33 Transfers into Level 3 — — — — — 21 Transfers out of Level 3 (1) — (8) — — — — Total gains/losses for the period: Included in earnings: Mortgage banking income 37 9 — — — — Interest and fee income — — (2) — — (3) Included in OCI — — 17 — — — Purchases/originations 18 — 160 — — — Repayments — — — — — 2 Settlements (13) — (234) — — — Closing balance $ 547 $ (1) $ 3,437 $ 20 $ 75 $ 53 Change in unrealized gains or losses for the period included in earnings for assets held at end of the reporting date $ 37 $ (3) $ — $ — $ — $ — Change in unrealized gains or losses for the period included in other comprehensive income for assets held at the end of the reporting period — — 12 — — — (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 Nine months ended September 30, 2024 Opening balance $ 515 $ (2) $ 3,335 $ 20 $ 75 $ 54 Transfers into Level 3 — — — — — 11 Transfers out of Level 3 (1) — (19) — — — — Total gains/losses for the period: Included in earnings: Mortgage banking income 7 21 — — — — Interest and fee income — — (1) (1) — (1) Other noninterest income — (24) — — — — Provision for credit losses — — (2) — — — Included in OCI — — 56 — — — Purchases/originations 33 — 690 — — — Repayments — — — — — (4) Settlements (40) 15 (467) 3 (41) — Closing balance $ 515 $ (9) $ 3,611 $ 22 $ 34 $ 60 Change in unrealized gains or losses for the period included in earnings for assets held at end of the reporting date $ 7 $ 2 $ — $ — $ — $ — Change in unrealized gains or losses for the period included in other comprehensive income for assets held at the end of the reporting period — — 52 — — — Nine months ended September 30, 2023 Opening balance $ 494 $ (2) $ 3,248 $ 20 $ 74 $ 16 Transfers into Level 3 — — — — — 40 Transfers out of Level 3 (1) — (18) — — — — Total gains/losses for the period: Included in earnings Mortgage banking income 40 19 — — — — Interest and fee income — — (2) (1) — (3) Included in OCI — — 13 — 1 — Purchases/originations 49 — 715 1 — — Settlements (36) — (537) — — — Closing balance $ 547 $ (1) $ 3,437 $ 20 $ 75 $ 53 Change in unrealized gains or losses for the period included in earnings for assets held at end of the reporting date $ 40 $ 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 — — 2 — — — (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 September 30, 2024 Assets Loans held for sale $ 649 $ 630 $ 19 $ — $ — $ — Loans held for investment 175 186 (11) 3 4 (1) Liabilities Long-term debt 416 411 (5) 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 Nine Months Ended (dollar amounts in millions) September 30, 2024 September 30, 2023 September 30, 2024 September 30, 2023 Loans held for sale (1) $ 5 $ (4) $ 2 $ (4) Loans held for investment (1) — (2) (1) (5) Long-term debt (2) (3) — (5) — (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 Nine Months Ended (dollar amounts in millions) At September 30, 2024 At December 31, 2023 September 30, 2024 September 30, 2023 September 30, 2024 September 30, 2023 Collateral-dependent loans $ 162 $ 40 $ (4) $ (6) $ (45) $ (13) 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 September 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 7 % - 41 % 9 % 4 % - 37 % 9 % Spread over forward interest rate swap rates 5 % - 10 % 6 % 5 % - 13 % 5 % Municipal securities and asset-backed securities Discounted cash flow Discount rate 4 % - 5 % 4 % 4 % - 6 % 5 % Cumulative default — % - 39 % 5 % — % - 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 September 30, 2024 Financial Assets Cash and short-term assets $ 12,840 $ — $ — $ 12,840 $ 12,840 Trading account securities — — 472 472 472 Available-for-sale securities — — 28,492 28,492 28,492 Held-to-maturity securities 15,670 — — 15,670 13,933 Other securities 794 — 32 826 826 Loans held for sale — 6 649 655 655 Net loans and leases (1) 123,977 — 175 124,152 122,872 Derivative assets — — 475 475 475 Assets held in trust for deferred compensation plans — — 191 191 191 Financial Liabilities Deposits (2) 158,351 — — 158,351 158,344 Short-term borrowings 868 — — 868 868 Long-term debt 15,240 — 416 15,656 15,819 Derivative liabilities — — 392 392 392 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 $1.5 billion and $1.4 billion in time deposits in excess of the FDIC insurance coverage limit at September 30, 2024 and December 31, 2023, respectively. 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 September 30, 2024 Financial Assets Trading account securities $ 427 $ 45 $ — $ — $ 472 Available-for-sale securities 6,530 18,295 3,667 — 28,492 Held-to-maturity securities 997 12,936 — — 13,933 Other securities (2) 31 1 — — 32 Loans held for sale — 649 6 — 655 Net loans and leases — 115 122,757 — 122,872 Derivative assets — 1,358 5 (888) 475 Financial Liabilities Deposits — 141,391 16,953 — 158,344 Short-term borrowings — 868 — — 868 Long-term debt — 10,425 5,394 — 15,819 Derivative liabilities — 870 14 (492) 392 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	9 Months Ended
	Sep. 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 September 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 $ 43,652 $ 747 $ 277 $ 38,017 $ 868 $ 519 Foreign exchange contracts 243 1 — 222 6 — Derivatives not designated as Hedging Instruments Interest rate contracts 43,841 519 508 41,526 718 757 Foreign exchange contracts 5,119 50 51 5,257 69 76 Credit contracts 278 — 1 381 — 2 Commodities contracts 685 37 34 681 62 60 Equity contracts 767 9 13 759 — 7 Total contracts $ 94,585 $ 1,363 $ 884 $ 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 Nine Months Ended (dollar amounts in millions) September 30, 2024 September 30, 2023 September 30, 2024 September 30, 2023 Interest rate contracts: Customer Capital markets fees $ 17 $ 6 $ 28 $ 23 Mortgage banking Mortgage banking income 28 (37) 5 (28) Interest rate swaptions Other noninterest income — 33 — 50 Foreign exchange contracts Capital markets fees 11 9 33 34 Credit contracts Other noninterest income (6) — (14) — Commodities contracts Capital markets fees 1 1 3 4 Equity contracts Other noninterest income and other noninterest expense (13) (2) (17) (7) Total $ 38 $ 10 $ 38 $ 76 Derivatives used in asset and liability management activities Huntington engages in balance sheet hedging activity, principally for asset and liability management purposes. Balance sheet hedging activity is generally arranged to receive hedge accounting treatment that can be classified as either fair value or cash flow hedges. Fair value hedges are executed to hedge changes in fair value of outstanding fixed-rate debt and investment securities caused by fluctuations in market interest rates. Cash flow hedges are executed to modify interest rate characteristics of designated commercial loans in order to reduce the impact of changes in future cash flows due to market interest rate changes. The following table presents the gross notional values of derivatives used in Huntington’s asset and liability management activities at September 30, 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 September 30, 2024 Instruments associated with: Investment securities $ 11,639 $ — $ — $ 11,639 Loans — 20,800 175 20,975 Long-term debt 11,213 — — 11,213 Total notional value $ 22,852 $ 20,800 $ 175 $ 43,827 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 $57 million and a decrease to net interest income of $62 million for the three-month periods ended September 30, 2024, and 2023, respectively. For the nine-month periods ended September 30, 2024, and 2023, the net amounts resulted in a decrease to net interest income of $195 million and $178 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 $652 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 Nine Months Ended (dollar amounts in millions) September 30, 2024 September 30, 2023 September 30, 2024 September 30, 2023 Interest rate contracts Change in fair value of interest rate swaps hedging investment securities (1) $ (295) $ 88 $ (263) $ 44 Change in fair value of hedged investment securities (1) 293 (87) 259 (45) Change in fair value of interest rate swaps hedging long-term debt (2) 301 (87) 142 (109) Change in fair value of hedged long term debt (2) (302) 87 (143) 109 (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 September 30, 2024 At December 31, 2023 At September 30, 2024 At December 31, 2023 Assets Investment securities (1) $ 17,327 $ 18,241 $ (439) $ (698) Liabilities Long-term debt (2) 11,165 9,909 28 (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 September 30, 2024, the amortized cost basis of the closed portfolios used in these hedging relationships was $16.7 billion, the cumulative basis adjustments associated with these hedging relationships was $377 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 $(60) million at September 30, 2024 and $(69) million at December 31, 2023. Cash Flow Hedges At September 30, 2024, Huntington has $20.8 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 September 30, 2024, the net losses recognized in AOCI that are expected to be reclassified into earnings within the next 12 months were $85 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 September 30, 2024 and December 31, 2023 were a net asset of $5 million and a net liability of $4 million, respectively. At September 30, 2024 and December 31, 2023, Huntington had commitments to sell residential real estate loans of $1.0 billion 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 September 30, 2024 At December 31, 2023 Notional value $ 2,195 $ 1,668 Trading liabilities (36) (69) Three Months Ended Nine Months Ended (dollar amounts in millions) September 30, 2024 September 30, 2023 September 30, 2024 September 30, 2023 Trading (losses) gains $ 26 $ (37) $ (3) $ (43) 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 September 30, 2024 and December 31, 2023, were $55 million and $47 million, respectively. The total notional values of derivative financial instruments used by Huntington on behalf of customers, including offsetting derivatives, were $45.5 billion and $44.5 billion at September 30, 2024 and December 31, 2023, respectively. Huntington’s credit risk from customer derivatives was $141 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 $278 million and $381 million at September 30, 2024 and December 31, 2023, respectively. The position of these derivatives was a net liability of $1 million and $2 million at September 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 $319 million and $238 million at September 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 September 30, 2024, Huntington pledged $172 million of investment securities and cash collateral to counterparties, while other counterparties pledged $446 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 September 30, 2024 $ 1,363 $ (888) $ 475 $ — $ (19) $ 456 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 September 30, 2024 $ 884 $ (492) $ 392 $ (70) $ (82) $ 240 At December 31, 2023 1,421 (751) 670 — (93) 577

VARIABLE INTEREST ENTITIES

VARIABLE INTEREST ENTITIES	9 Months Ended
	Sep. 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 September 30, 2024 At December 31, 2023 Assets Net loans and leases $ 1,252 $ — Other assets 267 82 Total assets $ 1,519 $ 82 Liabilities Long-term borrowings $ 1,142 $ — Other liabilities 121 57 Total liabilities $ 1,263 $ 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 September 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 September 30, 2024 Affordable Housing Tax Credit Partnerships $ 2,269 $ 1,040 $ 2,269 Trust Preferred Securities 14 248 — Other Investments 896 173 896 Total $ 3,179 $ 1,461 $ 3,165 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 September 30, 2024 At December 31, 2023 Affordable housing tax credit investments $ 3,491 $ 3,335 Less: amortization (1,222) (1,038) Net affordable housing tax credit investments $ 2,269 $ 2,297 Unfunded commitments $ 1,040 $ 1,279 The following table presents other information relating to Huntington’s affordable housing tax credit investments. Three Months Ended Nine Months Ended (dollar amounts in millions) September 30, 2024 September 30, 2023 September 30, 2024 September 30, 2023 Tax credits and other tax benefits recognized $ 78 $ 66 $ 230 $ 197 Proportional amortization expense included in provision for income taxes 63 55 189 164 There were no sales of affordable housing tax credit investments during the three-month and nine-month periods ended September 30, 2024 and 2023. There was no impairment recognized for the three-month and nine-month periods ended September 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	9 Months Ended
	Sep. 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 September 30, 2024 At December 31, 2023 Contract amount representing credit risk Commitments to extend credit: Commercial and industrial $ 35,731 $ 32,344 Consumer loan portfolio 19,983 19,270 Commercial real estate 1,865 2,543 Standby letters of credit and guarantees on industrial revenue bonds 743 814 Commercial letters of credit 24 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 September 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 $201 million and $79 million as of September 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 $15 million at September 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	9 Months Ended
	Sep. 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 September 30, 2024 Net interest income (loss) $ 1,050 $ 529 $ (228) $ 1,351 Provision for credit losses 105 1 — 106 Noninterest income 338 181 4 523 Noninterest expense 799 289 42 1,130 Provision (benefit) for income taxes 102 88 (74) 116 Income attributable to non-controlling interest — 5 — 5 Net income (loss) attributable to Huntington $ 382 $ 327 $ (192) $ 517 Three months ended September 30, 2023 Net interest income (loss) $ 941 $ 549 $ (122) $ 1,368 Provision for credit losses 82 17 — 99 Noninterest income 307 156 46 509 Noninterest expense 764 278 48 1,090 Provision (benefit) for income taxes 84 86 (34) 136 Income attributable to non-controlling interest — 5 — 5 Net income (loss) attributable to Huntington $ 318 $ 319 $ (90) $ 547 Nine months ended September 30, 2024 Net interest income (loss) $ 3,013 $ 1,579 $ (642) $ 3,950 Provision for credit losses 227 86 — 313 Noninterest income 968 490 23 1,481 Noninterest expense 2,364 883 137 3,384 Provision (benefit) for income taxes 292 231 (215) 308 Income attributable to non-controlling interest — 16 — 16 Net income (loss) attributable to Huntington $ 1,098 $ 853 $ (541) $ 1,410 Nine months ended September 30, 2023 Net interest income (loss) $ 2,745 $ 1,637 $ (259) $ 4,123 Provision for credit losses 192 84 — 276 Noninterest income 953 479 84 1,516 Noninterest expense 2,283 830 113 3,226 Provision (benefit) for income taxes 257 252 (95) 414 Income attributable to non-controlling interest — 15 — 15 Net income (loss) attributable to Huntington $ 966 $ 935 $ (193) $ 1,708 Assets Deposits (dollar amounts in millions) At September 30, 2024 At December 31, 2023 At September 30, 2024 At December 31, 2023 Consumer & Regional Banking $ 76,804 $ 73,082 $ 110,107 $ 110,157 Commercial Banking 64,583 63,377 42,064 35,466 Treasury / Other 59,148 52,909 6,180 5,607 Total $ 200,535 $ 189,368 $ 158,351 $ 151,230

Pay vs Performance Disclosure

Pay vs Performance Disclosure - USD ($) $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
Pay vs Performance Disclosure
Net Income	$ 517	$ 547	$ 1,410	$ 1,708

Insider Trading Arrangements

Insider Trading Arrangements - shares	3 Months Ended		9 Months Ended
	Sep. 30, 2024	Jun. 30, 2024	Sep. 30, 2024
Trading Arrangements, by Individual
Material Terms of Trading Arrangement			Trading Plans On August 23, 2024, Brendan Lawlor, our Executive Vice President and Chief Credit Officer, adopted a trading plan intended to satisfy the conditions under Rule 10b5-1(c) of the Exchange Act. Mr. Lawlor’s plan covers the following: • the vesting and sale of up to 6,158.734 shares of common stock underlying restricted stock units; and • the vesting and sale of up to 5,505.466 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 June 30, 2025.
Non-Rule 10b5-1 Arrangement Adopted	false
Rule 10b5-1 Arrangement Terminated	false
Non-Rule 10b5-1 Arrangement Terminated	false
Brendan Lawlor [Member]
Trading Arrangements, by Individual
Name	Brendan Lawlor
Title	Executive Vice President and Chief Credit Officer
Rule 10b5-1 Arrangement Adopted	true
Adoption Date	August 23, 2024
Expiration Date	June 30, 2025
Arrangement Duration		311 days
Brendan Lawlor Trading Arrangement, Restricted Stock Units [Member] | Brendan Lawlor [Member]
Trading Arrangements, by Individual
Aggregate Available	6,158.734		6,158.734
Brendan Lawlor Trading Arrangement, Performance Stock Units [Member] | Brendan Lawlor [Member]
Trading Arrangements, by Individual
Aggregate Available	5,505.466		5,505.466

ACCOUNTING STANDARDS UPDATE (Po

ACCOUNTING STANDARDS UPDATE (Policies)	9 Months Ended
	Sep. 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)	9 Months Ended
	Sep. 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 September 30, 2024 Available-for-sale securities: U.S. Treasury $ 6,508 $ 24 $ (2) $ 6,530 Federal agencies: Residential CMO 3,363 — (341) 3,022 Residential MBS 12,277 5 (1,497) 10,785 Commercial MBS 2,521 — (651) 1,870 Other agencies 140 — (4) 136 Total U.S. Treasury, federal agency, and other agency securities 24,809 29 (2,495) 22,343 Municipal securities 3,756 4 (112) 3,648 Private-label CMO 122 — (8) 114 Asset-backed securities 323 — (17) 306 Corporate debt 2,179 62 (170) 2,071 Other securities/sovereign debt 10 — — 10 Total available-for-sale securities $ 31,199 $ 95 $ (2,802) $ 28,492 Held-to-maturity securities: U.S. Treasury $ 996 $ 2 $ (1) $ 997 Federal agencies: Residential CMO 4,429 11 (570) 3,870 Residential MBS 8,735 1 (983) 7,753 Commercial MBS 1,428 — (192) 1,236 Other agencies 80 — (4) 76 Total federal agency and other agency securities 15,668 14 (1,750) 13,932 Municipal securities 2 — (1) 1 Total held-to-maturity securities $ 15,670 $ 14 $ (1,751) $ 13,933 Other securities, at cost: Non-marketable equity securities: Federal Home Loan Bank stock $ 249 $ — $ — $ 249 Federal Reserve Bank stock 520 — — 520 Other non-marketable equity securities 25 — — 25 Other securities, at fair value: Mutual funds 31 — — 31 Equity securities 1 — — 1 Total other securities $ 826 $ — $ — $ 826 (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 September 30, 2024, accrued interest receivable on available-for-sale securities and held-to-maturity securities totaled $88 million and $38 million, respectively. (2) Excluded from the amortized cost are portfolio level basis adjustments for securities designated in fair value hedges under the portfolio layer method. The basis adjustments totaled $377 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 U.S. Treasury, 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 September 30, 2024 At December 31, 2023 (dollar amounts in millions) Amortized Fair Amortized Fair Available-for-sale securities: Under 1 year $ 4,936 $ 4,939 $ 3,380 $ 3,372 After 1 year through 5 years 4,817 4,717 2,484 2,338 After 5 years through 10 years 2,392 2,286 2,392 2,255 After 10 years 19,054 16,550 20,309 17,340 Total available-for-sale securities $ 31,199 $ 28,492 $ 28,565 $ 25,305 Held-to-maturity securities: Under 1 year $ 245 $ 245 $ 1 $ 1 After 1 year through 5 years 784 784 48 46 After 5 years through 10 years 63 60 69 66 After 10 years 14,578 12,844 15,632 13,605 Total held-to-maturity securities $ 15,670 $ 13,933 $ 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 September 30, 2024 Available-for-sale securities: U.S. Treasury $ 885 $ (2) $ — $ — $ 885 $ (2) Federal agencies: Residential CMO — — 2,977 (341) 2,977 (341) Residential MBS — — 10,422 (1,497) 10,422 (1,497) Commercial MBS — — 1,870 (651) 1,870 (651) Other agencies — — 71 (4) 71 (4) Total U.S. Treasury, federal agency, and other agency securities 885 (2) 15,340 (2,493) 16,225 (2,495) Municipal securities 504 (7) 2,536 (105) 3,040 (112) Private-label CMO — — 92 (8) 92 (8) Asset-backed securities — — 272 (17) 272 (17) Corporate debt — — 2,071 (170) 2,071 (170) Total temporarily impaired available-for-sale securities $ 1,389 $ (9) $ 20,311 $ (2,793) $ 21,700 $ (2,802) Held-to-maturity securities: U.S. Treasury $ 554 $ (1) $ — $ — $ 554 $ (1) Federal agencies: Residential CMO — — 3,366 (570) 3,366 (570) Residential MBS — — 7,646 (983) 7,646 (983) Commercial MBS — — 1,236 (192) 1,236 (192) Other agencies — — 76 (4) 76 (4) Total U.S. Treasury, federal agency, and other agency securities 554 (1) 12,324 (1,749) 12,878 (1,750) Municipal securities — — 1 (1) 1 (1) Total temporarily impaired held-to-maturity securities $ 554 $ (1) $ 12,325 $ (1,750) $ 12,879 $ (1,751) 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)	9 Months Ended
	Sep. 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 September 30, 2024 At December 31, 2023 Commercial loan and lease portfolio: Commercial and industrial $ 53,601 $ 50,657 Commercial real estate 11,543 12,422 Lease financing 5,342 5,228 Total commercial loan and lease portfolio 70,486 68,307 Consumer loan portfolio: Residential mortgage 24,100 23,720 Automobile 14,003 12,482 Home equity 10,129 10,113 RV and marine 6,042 5,899 Other consumer 1,627 1,461 Total consumer loan portfolio 55,901 53,675 Total loans and leases (1)(2) 126,387 121,982 Allowance for loan and lease losses (2,235) (2,255) Net loans and leases $ 124,152 $ 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 $348 million and $323 million at September 30, 2024 and December 31, 2023, respectively. (2) The total amount of accrued interest recorded for these loans and leases at September 30, 2024 was $314 million and $229 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 September 30, 2024 At December 31, 2023 Lease payments receivable $ 5,091 $ 4,980 Estimated residual value of leased assets 868 804 Gross investment in lease financing receivables 5,959 5,784 Deferred origination costs 53 54 Deferred fees, unearned income and other (670) (610) Total lease financing receivables $ 5,342 $ 5,228
NALs and Past Due Loans	The following table presents NALs by class. At September 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 $ 86 $ 408 $ 66 $ 344 Commercial real estate 39 132 64 140 Lease financing — 9 3 14 Residential mortgage — 82 — 72 Automobile — 5 — 4 Home equity — 100 — 91 RV and marine — 2 — 2 Total nonaccrual loans and leases $ 125 $ 738 $ 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 September 30, 2024 Commercial and industrial $ 83 $ 34 $ 172 $ 289 $ 53,312 $ — $ 53,601 $ 6 (2) Commercial real estate 9 13 39 61 11,482 — 11,543 — Lease financing 30 10 17 57 5,285 — 5,342 16 Residential mortgage 198 77 214 489 23,436 175 24,100 164 (3) Automobile 96 24 13 133 13,870 — 14,003 10 Home equity 60 34 86 180 9,949 — 10,129 20 RV and marine 22 6 4 32 6,010 — 6,042 3 Other consumer 13 6 5 24 1,603 — 1,627 5 Total loans and leases $ 511 $ 204 $ 550 $ 1,265 $ 124,947 $ 175 $ 126,387 $ 224 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 September 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 $ 11,336 $ 8,855 $ 7,091 $ 2,722 $ 1,695 $ 1,938 $ 16,729 $ 6 $ 50,372 OLEM 94 157 152 50 13 28 215 — 709 Substandard 354 396 409 169 100 184 895 — 2,507 Doubtful — 5 7 — — 1 — — 13 Total Commercial and industrial $ 11,784 $ 9,413 $ 7,659 $ 2,941 $ 1,808 $ 2,151 $ 17,839 $ 6 $ 53,601 Commercial real estate Credit Quality Indicator (1): Pass $ 934 $ 1,166 $ 3,076 $ 1,425 $ 996 $ 1,999 $ 571 $ — $ 10,167 OLEM 8 75 259 142 — 65 — — 549 Substandard 222 37 269 123 4 161 11 — 827 Total Commercial real estate $ 1,164 $ 1,278 $ 3,604 $ 1,690 $ 1,000 $ 2,225 $ 582 $ — $ 11,543 Lease financing Credit Quality Indicator (1): Pass $ 1,349 $ 1,728 $ 990 $ 610 $ 400 $ 185 $ — $ — $ 5,262 OLEM 1 2 3 2 6 1 — — 15 Substandard 2 14 29 6 6 8 — — 65 Total Lease financing $ 1,352 $ 1,744 $ 1,022 $ 618 $ 412 $ 194 $ — $ — $ 5,342 Residential mortgage Credit Quality Indicator (2): 750+ $ 1,148 $ 2,354 $ 4,010 $ 5,733 $ 3,068 $ 2,649 $ — $ — $ 18,962 650-749 592 617 746 800 452 818 — — 4,025 <650 36 55 110 106 67 564 — — 938 Total Residential mortgage $ 1,776 $ 3,026 $ 4,866 $ 6,639 $ 3,587 $ 4,031 $ — $ — $ 23,925 Automobile Credit Quality Indicator (2): 750+ $ 3,249 $ 1,817 $ 1,503 $ 1,065 $ 432 $ 167 $ — $ — $ 8,233 650-749 1,872 1,138 827 544 201 82 — — 4,664 <650 217 258 267 227 87 50 — — 1,106 Total Automobile $ 5,338 $ 3,213 $ 2,597 $ 1,836 $ 720 $ 299 $ — $ — $ 14,003 Home equity Credit Quality Indicator (2): 750+ $ 154 $ 350 $ 388 $ 464 $ 482 $ 212 $ 4,543 $ 230 $ 6,823 650-749 57 98 82 52 47 82 2,039 220 2,677 <650 2 7 10 4 4 42 422 138 629 Total Home equity $ 213 $ 455 $ 480 $ 520 $ 533 $ 336 $ 7,004 $ 588 $ 10,129 RV and marine Credit Quality Indicator (2): 750+ $ 805 $ 956 $ 850 $ 745 $ 499 $ 745 $ — $ — $ 4,600 650-749 201 293 208 213 130 240 — — 1,285 <650 4 19 22 32 22 58 — — 157 Total RV and marine $ 1,010 $ 1,268 $ 1,080 $ 990 $ 651 $ 1,043 $ — $ — $ 6,042 Other consumer Credit Quality Indicator (2): 750+ $ 228 $ 110 $ 56 $ 26 $ 12 $ 52 $ 430 $ 2 $ 916 650-749 104 64 26 10 3 10 407 8 632 <650 5 10 5 2 1 2 45 9 79 Total Other consumer $ 337 $ 184 $ 87 $ 38 $ 16 $ 64 $ 882 $ 19 $ 1,627 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 September 30, 2024 Commercial and industrial $ 1 $ 7 $ 30 $ 13 $ 1 $ 2 $ 8 $ 1 $ 63 Commercial real estate 2 2 — 1 — — 4 — 9 Lease financing — 1 — 1 — — — — 2 Residential mortgage — — — — — — — — — Automobile 2 5 4 3 1 1 — — 16 Home equity — — — — — 1 — 1 2 RV and marine — 1 1 2 1 2 — — 7 Other consumer 5 6 4 2 1 4 — 8 30 Total $ 10 $ 22 $ 39 $ 22 $ 4 $ 10 $ 12 $ 10 $ 129 Nine months ended September 30, 2024 Commercial and industrial $ 1 $ 17 $ 60 $ 35 $ 12 $ 6 $ 28 $ 2 $ 161 Commercial real estate 11 4 30 3 — 24 4 — 76 Lease financing — 2 1 2 — 1 — — 6 Residential mortgage — — — — — 2 — — 2 Automobile 2 13 13 10 4 3 — — 45 Home equity — — — — — 1 1 4 6 RV and marine — 2 3 5 3 8 — — 21 Other consumer 8 19 12 6 3 11 — 26 85 Total $ 22 $ 57 $ 119 $ 61 $ 22 $ 56 $ 33 $ 32 $ 402 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 September 30, 2023 Commercial and industrial $ 2 $ 21 $ 6 $ 6 $ 15 $ 1 $ 3 $ — $ 54 Commercial real estate 5 6 — — 10 — 7 — 28 Lease financing — 3 — — — — — — 3 Residential mortgage — — — — — 1 — — 1 Automobile 1 5 3 1 1 1 — — 12 Home equity — — — — — 1 — 1 2 RV and marine — — 1 1 1 2 — — 5 Other consumer 5 5 3 1 1 4 — 7 26 Total $ 13 $ 40 $ 13 $ 9 $ 28 $ 10 $ 10 $ 8 $ 131 Nine months ended September 30, 2023 Commercial and industrial $ 4 $ 39 $ 23 $ 13 $ 26 $ 11 $ 7 $ 1 $ 124 Commercial real estate 5 9 19 — 15 5 7 — 60 Lease financing — 3 1 1 — 1 — — 6 Residential mortgage — — 1 — — 3 — — 4 Automobile 1 11 11 5 4 3 — — 35 Home equity — — — — — 1 1 4 6 RV and marine — 1 2 2 2 5 — — 12 Other consumer 8 18 11 4 4 10 — 20 75 Total $ 18 $ 81 $ 68 $ 25 $ 51 $ 39 $ 15 $ 25 $ 322
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 September 30, 2024 Commercial and industrial $ 22 $ 165 $ — $ 17 $ 204 0.38 % Commercial real estate — 168 — 11 179 1.55 Residential mortgage — 15 1 1 17 0.07 Automobile — 3 — — 3 0.02 Home equity — 1 — 3 4 0.04 Other consumer 1 — — — 1 0.06 Total loans to borrowers experiencing financial difficulty in which modifications were made $ 23 $ 352 $ 1 $ 32 $ 408 0.34 % Three months ended September 30, 2023 Commercial and industrial $ 1 $ 147 $ — $ 1 $ 149 0.30 % Commercial real estate — 52 — 4 56 0.44 Residential mortgage — 15 — 1 16 0.07 Automobile — 4 — — 4 0.03 Home equity — — — 3 3 0.03 Total loans to borrowers experiencing financial difficulty in which modifications were made $ 1 $ 218 $ — $ 9 $ 228 0.20 % Nine months ended September 30, 2024 Commercial and industrial $ 42 $ 240 $ — $ 63 $ 345 0.64 % Commercial real estate — 228 — 25 253 2.19 Residential mortgage — 37 5 3 45 0.19 Automobile — 10 — 1 11 0.08 Home equity — 4 — 9 13 0.13 RV and marine — 1 — — 1 0.02 Other consumer 1 — — — 1 0.06 Total loans to borrowers experiencing financial difficulty in which modifications were made $ 43 $ 520 $ 5 $ 101 $ 669 0.55 % Nine months ended September 30, 2023 Commercial and industrial $ 33 $ 291 $ — $ 4 $ 328 0.66 % Commercial real estate — 138 — 4 142 1.12 Residential mortgage — 50 2 3 55 0.23 Automobile — 11 — 1 12 0.09 Home equity — 1 — 8 9 0.09 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 $ 34 $ 492 $ 2 $ 20 $ 548 0.47 % (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 September 30, 2024 Commercial and industrial 7.81 % 6.56 % 0.7 Commercial real estate 8.60 % 7.96 % 1.0 Residential mortgage 5.8 Three months ended September 30, 2023 Commercial and industrial 1.0 Commercial real estate 0.6 Residential mortgage 8.4 Nine months ended September 30, 2024 Commercial and industrial 8.80 % 7.60 % 0.8 Commercial real estate 8.26 % 7.90 % 1.0 Residential mortgage 6.9 Automobile 1.6 Home equity 12.7 Nine months ended September 30, 2023 Commercial and industrial 7.96 % 7.25 % 1.0 Commercial real estate 0.7 Residential mortgage 7.6 Automobile 2.0 (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 September 30, 2024 Commercial and industrial $ 1 $ 2 $ 4 $ 7 $ 418 $ 425 Commercial real estate 9 — 5 14 245 259 Residential mortgage 10 4 11 25 29 54 Automobile 2 1 — 3 12 15 Home equity 1 — 4 5 11 16 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 September 30, 2024 $ 23 $ 7 $ 24 $ 54 $ 718 $ 772 At September 30, 2023 (1) Commercial and industrial $ 2 $ 1 $ 3 $ 6 $ 322 $ 328 Commercial real estate — 5 1 6 136 142 Residential mortgage 10 5 7 22 33 55 Automobile 1 — — 1 11 12 Home equity — — 1 1 8 9 RV and marine — — — — 1 1 Other consumer — — — — 1 1 Total loans to borrowers experiencing financial difficulty in which modifications were made in the nine months ended September 30, 2023 (1) $ 13 $ 11 $ 12 $ 36 $ 512 $ 548 (1) Huntington adopted ASU 2022-02 - Financial Instruments - Credit Losses (Topic 326): Troubled Debt Restructurings and Vintage Disclosures effective January 1, 2023, therefore, the September 30, 2023 presentation only includes loans since guidance became effective.

ALLOWANCE FOR CREDIT LOSSES (Ta

ALLOWANCE FOR CREDIT LOSSES (Tables)	9 Months Ended
	Sep. 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 September 30, 2024 ALLL balance, beginning of period $ 1,587 $ 717 $ 2,304 Loan and lease charge-offs (74) (55) (129) Recoveries of loans and leases previously charged-off 20 16 36 Provision (benefit) for loan and lease losses (35) 59 24 ALLL balance, end of period $ 1,498 $ 737 $ 2,235 AULC balance, beginning of period $ 64 $ 55 $ 119 Provision for unfunded lending commitments 76 6 82 AULC balance, end of period $ 140 $ 61 $ 201 ACL balance, end of period $ 1,638 $ 798 $ 2,436 Three months ended September 30, 2023 ALLL balance, beginning of period $ 1,483 $ 694 $ 2,177 Loan and lease charge-offs (85) (46) (131) Recoveries of loans and leases previously charged-off 40 18 58 Provision for loan and lease losses 66 38 104 ALLL balance, end of period $ 1,504 $ 704 $ 2,208 AULC balance, beginning of period $ 78 $ 87 $ 165 Provision (benefit) for unfunded lending commitments (2) (3) (5) AULC balance, end of period $ 76 $ 84 $ 160 ACL balance, end of period $ 1,580 $ 788 $ 2,368 (dollar amounts in millions) Commercial Consumer Total Nine months ended September 30, 2024 ALLL balance, beginning of period $ 1,563 $ 692 $ 2,255 Loan and lease charge-offs (243) (159) (402) Recoveries of loans and leases previously charged-off 77 50 127 Provision for loan and lease losses 101 154 255 ALLL balance, end of period $ 1,498 $ 737 $ 2,235 AULC balance, beginning of period $ 66 $ 79 $ 145 Provision (benefit) for unfunded lending commitments 74 (18) 56 AULC balance, end of period $ 140 $ 61 $ 201 ACL balance, end of period $ 1,638 $ 798 $ 2,436 Nine months ended September 30, 2023 ALLL balance, beginning of period $ 1,424 $ 697 $ 2,121 Loan and lease charge-offs (190) (132) (322) Recoveries of loans and leases previously charged-off 89 54 143 Provision for loan and lease losses 181 85 266 ALLL balance, end of period $ 1,504 $ 704 $ 2,208 AULC balance, beginning of period $ 71 $ 79 $ 150 Provision for unfunded lending commitments 5 5 10 AULC balance, end of period $ 76 $ 84 $ 160 ACL balance, end of period $ 1,580 $ 788 $ 2,368

MORTGAGE LOAN SALES AND SERVI_2

MORTGAGE LOAN SALES AND SERVICING RIGHTS (Tables)	9 Months Ended
	Sep. 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 Nine Months Ended (dollar amounts in millions) September 30, 2024 September 30, 2023 September 30, 2024 September 30, 2023 Residential mortgage loans sold with servicing retained $ 1,150 $ 1,100 $ 2,944 $ 3,079 Pretax gains resulting from above loan sales (1) 17 21 49 43 Total servicing, late, and other ancillary fees (1) 27 25 78 72 (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 Nine Months Ended (dollar amounts in millions) September 30, 2024 September 30, 2023 September 30, 2024 September 30, 2023 Fair value, beginning of period $ 543 $ 505 $ 515 $ 494 New servicing assets created 12 17 33 48 Change in fair value during the period due to: Time decay (1) (6) (6) (19) (18) Payoffs (2) (9) (7) (21) (18) Changes in valuation inputs or assumptions (3) (25) 38 7 41 Fair value, end of period $ 515 $ 547 $ 515 $ 547 Loans serviced for third parties, unpaid principal balance, end of period $ 33,565 $ 32,965 $ 33,565 $ 32,965 (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 September 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) 9.29 % $ (14) $ (28) 8.61 % $ (15) $ (28) Spread over forward interest rate swap rates 570 bps (12) (23) 538 bps (11) (22)

BORROWINGS (Tables)

BORROWINGS (Tables)	9 Months Ended
	Sep. 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 September 30, 2024 At December 31, 2023 Securities sold under agreements to repurchase $ 142 $ 618 Other borrowings 726 2 Total short-term borrowings $ 868 $ 620
Schedule of Long-term Debt Instruments	Huntington’s long-term debt consisted of the following: (dollar amounts in millions) At September 30, 2024 At December 31, 2023 The Parent Company: Senior Notes $ 4,834 $ 4,233 Subordinated Notes 772 760 Total notes issued by the parent 5,606 4,993 The Bank: Senior Notes 2,762 3,480 Subordinated Notes 516 662 Total notes issued by the bank 3,278 4,142 FHLB Advances 4,734 2,731 Auto Loan Securitization Trust (1) 1,142 — Credit Linked Notes (2) 416 — Other 480 528 Total long-term debt $ 15,656 $ 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. (2) Represents notes issued in a CLN transaction on a $4.0 billion reference pool of Huntington’s auto-secured loans. 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 September 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 (Tab

OTHER COMPREHENSIVE INCOME (Tables)	9 Months Ended
	Sep. 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 September 30, 2024 Unrealized gains on available-for-sale securities arising during the period, net of hedges $ 573 $ (131) $ 442 Reclassification adjustment for realized net losses included in net income 4 (1) 3 Total unrealized gains on available-for-sale securities, net of hedges 577 (132) 445 Unrealized gains on cash flow hedges during the period 412 (95) 317 Reclassification adjustment for cash flow hedges included in net income 55 (12) 43 Net change related to cash flow hedges on loans 467 (107) 360 Translation adjustments, net of hedges (1) 2 — 2 Change in accumulated unrealized gains for pension and other post-retirement obligations 1 (1) — Other comprehensive income $ 1,047 $ (240) $ 807 Three months ended September 30, 2023 Unrealized losses on available-for-sale securities arising during the period, net of hedges $ (739) $ 170 $ (569) Reclassification adjustment for realized net losses included in net income 3 — 3 Total unrealized losses on available-for-sale securities, net of hedges (736) 170 (566) Unrealized losses on cash flow hedges during the period (119) 28 (91) Reclassification adjustment for cash flow hedges included in net income 67 (26) 41 Net change related to cash flow hedges on loans (52) 2 (50) Translation adjustments, net of hedges (1) (1) — (1) Change in accumulated unrealized gains for pension and other post-retirement obligations 1 — 1 Other comprehensive loss $ (788) $ 172 $ (616) Nine months ended September 30, 2024 Unrealized gains on available-for-sale securities arising during the period, net of hedges $ 310 $ (70) $ 240 Reclassification adjustment for realized net losses included in net income 9 (2) 7 Total unrealized gains on available-for-sale securities, net of hedges 319 (72) 247 Unrealized gains on cash flow hedges during the period 231 (53) 178 Reclassification adjustment for cash flow hedges included in net income 190 (44) 146 Net change related to cash flow hedges on loans 421 (97) 324 Change in accumulated unrealized gains for pension and other post-retirement obligations 2 (1) 1 Other comprehensive income $ 742 $ (170) $ 572 Nine months ended September 30, 2023 Unrealized losses on available-for-sale securities arising during the period, net of hedges $ (685) $ 158 $ (527) Reclassification adjustment for realized net losses included in net income 41 (9) 32 Total unrealized losses on available-for-sale securities (644) 149 (495) Unrealized losses on cash flow hedges during the period (154) 40 (114) Reclassification adjustment for cash flow hedges included in net income 113 (29) 84 Net change related to cash flow hedges on loans (41) 11 (30) Change in accumulated unrealized gains for pension and other post-retirement obligations 1 — 1 Other comprehensive loss $ (684) $ 160 $ (524) (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 September 30, 2024 Balance, beginning of period $ (2,292) $ (399) $ (8) $ (212) $ (2,911) Other comprehensive income before reclassifications 442 317 2 — 761 Amounts reclassified from accumulated OCI to earnings 3 43 — — 46 Period change 445 360 2 — 807 Balance, end of period $ (1,847) $ (39) $ (6) $ (212) $ (2,104) Three months ended September 30, 2023 Balance, beginning of period $ (2,177) $ (612) $ (7) $ (210) $ (3,006) Other comprehensive loss before reclassifications (569) (91) (1) — (661) Amounts reclassified from accumulated OCI to earnings 3 41 — 1 45 Period change (566) (50) (1) 1 (616) Balance, end of period $ (2,743) $ (662) $ (8) $ (209) $ (3,622) Nine months ended September 30, 2024 Balance, beginning of period $ (2,094) $ (363) $ (6) $ (213) $ (2,676) Other comprehensive income before reclassifications 240 178 — — 418 Amounts reclassified from accumulated OCI to earnings 7 146 — 1 154 Period change 247 324 — 1 572 Balance, end of period $ (1,847) $ (39) $ (6) $ (212) $ (2,104) Nine months ended September 30, 2023 Balance, beginning of period $ (2,248) $ (632) $ (8) $ (210) $ (3,098) Other comprehensive loss before reclassifications (527) (114) — — (641) Amounts reclassified from accumulated OCI to earnings 32 84 — 1 117 Period change (495) (30) — 1 (524) Balance, end of period $ (2,743) $ (662) $ (8) $ (209) $ (3,622) (1) AOCI amounts at September 30, 2024 and September 30, 2023 include $52 million and $60 million, respectively, of net unrealized losses (after-tax) on securities transferred from the available-for-sale securities portfolio to the held-to-maturity securities portfolio. The net unrealized losses will be recognized in earnings over the remaining life of the security using the effective interest method.

SHAREHOLDERS' EQUITY (Tables)

SHAREHOLDERS' EQUITY (Tables)	9 Months Ended
	Sep. 30, 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 September 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 $25,000, plus any declared and unpaid dividends. The following table presents the dividends declared for each series of Preferred shares. Three Months Ended Nine Months Ended (amounts in millions, except per share data) September 30, 2024 September 30, 2023 September 30, 2024 September 30, 2023 Cash Dividend Declared Per Share Cash Dividend Declared Per Share Cash Dividend Declared Per Share Cash Dividend Declared Per Share Preferred Series Amount ($) Amount ($) Amount ($) Amount ($) Series B $ 20.66 $ 1 $ 20.67 $ 1 $ 62.08 $ 2 $ 59.39 $ 2 Series E 2,157.65 9 2,112.39 11 6,412.62 26 5,572.46 28 Series F 1,406.25 7 1,406.25 7 4,218.75 21 4,218.75 21 Series G 1,112.50 6 1,112.50 5 3,337.50 17 3,337.50 17 Series H 11.25 5 11.25 5 33.75 17 33.75 17 Series I 356.25 2 356.25 2 1,068.75 7 1,068.75 7 Series J 17.19 6 17.19 6 51.57 17 41.83 14 Total $ 36 $ 37 $ 107 $ 106

EARNINGS PER SHARE (Tables)

EARNINGS PER SHARE (Tables)	9 Months Ended
	Sep. 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 Nine Months Ended (dollar amounts in millions, except per share data, share count in thousands) September 30, 2024 September 30, 2023 September 30, 2024 September 30, 2023 Basic earnings per common share: Net income attributable to Huntington $ 517 $ 547 $ 1,410 $ 1,708 Preferred stock dividends 36 37 107 106 Net income available to common shareholders $ 481 $ 510 $ 1,303 $ 1,602 Average common shares issued and outstanding 1,452,682 1,447,993 1,450,794 1,445,878 Basic earnings per common share $ 0.33 $ 0.35 $ 0.90 $ 1.11 Diluted earnings per common share: Average dilutive potential common shares: Stock options and restricted stock units and awards 17,061 12,183 16,622 14,670 Shares held in deferred compensation plans 7,239 7,435 7,443 6,989 Average dilutive potential common shares 24,300 19,618 24,065 21,659 Total diluted average common shares issued and outstanding 1,476,982 1,467,611 1,474,859 1,467,537 Diluted earnings per common share $ 0.33 $ 0.35 $ 0.88 $ 1.09 Anti-dilutive awards (1) 4,253 11,736 7,002 11,188 (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)	9 Months Ended
	Sep. 30, 2024
Revenue from Contract with Customer [Abstract]
Schedule of Noninterest Income	(dollar amounts in millions) Three Months Ended Nine Months Ended Noninterest income September 30, 2024 September 30, 2023 September 30, 2024 September 30, 2023 Noninterest income from contracts with customers $ 362 $ 338 $ 1,058 $ 1,047 Noninterest income within the scope of other GAAP topics 161 171 423 469 Total noninterest income $ 523 $ 509 $ 1,481 $ 1,516 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 September 30, 2024 Payments and cash management revenue $ 114 $ 29 $ — $ 143 Wealth and asset management revenue 89 4 — 93 Customer deposit and loan fees 57 1 — 58 Capital markets and advisory fees 5 32 — 37 Leasing revenue 1 9 — 10 Insurance income 15 3 (1) 17 Other noninterest income 2 3 (1) 4 Net revenue from contracts with customers 283 81 (2) 362 Noninterest income within the scope of other GAAP topics 55 100 6 161 Total noninterest income $ 338 $ 181 $ 4 $ 523 Three months ended September 30, 2023 Payments and cash management revenue $ 112 $ 26 $ — $ 138 Wealth and asset management revenue 76 3 — 79 Customer deposit and loan fees 55 2 — 57 Capital markets and advisory fees 3 29 (1) 31 Leasing revenue — 12 — 12 Insurance income 17 2 (1) 18 Other noninterest income 4 — (1) 3 Net revenue from contracts with customers 267 74 (3) 338 Noninterest income within the scope of other GAAP topics 40 82 49 171 Total noninterest income $ 307 $ 156 $ 46 $ 509 Nine months ended September 30, 2024 Payments and cash management revenue $ 335 $ 84 $ — $ 419 Wealth and asset management revenue 262 9 — 271 Customer deposit and loan fees 160 8 — 168 Capital markets and advisory fees 16 93 — 109 Leasing revenue 2 28 — 30 Insurance income 47 8 (1) 54 Other noninterest income 6 3 (2) 7 Net revenue from contracts with customers 828 233 (3) 1,058 Noninterest income within the scope of other GAAP topics 140 257 26 423 Total noninterest income $ 968 $ 490 $ 23 $ 1,481 Nine months ended September 30, 2023 Payments and cash management revenue $ 321 $ 76 $ — $ 397 Wealth and asset management revenue 231 11 — 242 Customer deposit and loan fees 152 4 — 156 Capital markets and advisory fees 11 82 (1) 92 Leasing revenue 1 39 — 40 Insurance income 49 7 (1) 55 Other noninterest income 64 3 (2) 65 Net revenue from contracts with customers 829 222 (4) 1,047 Noninterest income within the scope of other GAAP topics 124 257 88 469 Total noninterest income $ 953 $ 479 $ 84 $ 1,516

FAIR VALUES OF ASSETS AND LIA_2

FAIR VALUES OF ASSETS AND LIABILITIES (Tables)	9 Months Ended
	Sep. 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 September 30, 2024 (dollar amounts in millions) Level 1 Level 2 Level 3 Assets Trading account securities: U.S. Treasury securities $ 427 $ — $ — $ — $ 427 Other agencies — 1 — — 1 Municipal securities — 35 — — 35 Corporate debt — 9 — — 9 Total trading account securities 427 45 — — 472 Available-for-sale securities: U.S. Treasury securities 6,530 — — — 6,530 Residential CMO — 3,022 — — 3,022 Residential MBS — 10,785 — — 10,785 Commercial MBS — 1,870 — — 1,870 Other agencies — 136 — — 136 Municipal securities — 37 3,611 — 3,648 Private-label CMO — 92 22 — 114 Asset-backed securities — 272 34 — 306 Corporate debt — 2,071 — — 2,071 Other securities/sovereign debt — 10 — — 10 Total available-for-sale securities 6,530 18,295 3,667 — 28,492 Other securities 31 1 — — 32 Loans held for sale — 649 — — 649 Loans held for investment — 115 60 — 175 MSRs — — 515 — 515 Other assets: Derivative assets — 1,358 5 (888) 475 Assets held in trust for deferred compensation plans 191 — — — 191 Liabilities Long-term debt — 416 — — 416 Derivative liabilities — 870 14 (492) 392 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 September 30, 2024 Opening balance $ 543 $ 1 $ 3,341 $ 20 $ 35 $ 60 Transfers into Level 3 — — — — — 3 Transfers out of Level 3 (1) — (8) — — — — Total gains/losses for the period: Included in earnings: Mortgage banking income (25) 10 — — — — Other noninterest income — (16) — — — — Included in OCI — — 70 — — — Purchases/originations 12 — 390 — — — Repayments — — — — — (3) Settlements (15) 4 (190) 2 (1) — Closing balance $ 515 $ (9) $ 3,611 $ 22 $ 34 $ 60 Change in unrealized gains or losses for the period included in earnings for assets held at end of the reporting date $ (25) $ 2 $ — $ — $ — $ — Change in unrealized gains or losses for the period included in other comprehensive income for assets held at the end of the reporting period — — 68 — — — Three months ended September 30, 2023 Opening balance $ 505 $ (2) $ 3,496 $ 20 $ 75 $ 33 Transfers into Level 3 — — — — — 21 Transfers out of Level 3 (1) — (8) — — — — Total gains/losses for the period: Included in earnings: Mortgage banking income 37 9 — — — — Interest and fee income — — (2) — — (3) Included in OCI — — 17 — — — Purchases/originations 18 — 160 — — — Repayments — — — — — 2 Settlements (13) — (234) — — — Closing balance $ 547 $ (1) $ 3,437 $ 20 $ 75 $ 53 Change in unrealized gains or losses for the period included in earnings for assets held at end of the reporting date $ 37 $ (3) $ — $ — $ — $ — Change in unrealized gains or losses for the period included in other comprehensive income for assets held at the end of the reporting period — — 12 — — — (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 Nine months ended September 30, 2024 Opening balance $ 515 $ (2) $ 3,335 $ 20 $ 75 $ 54 Transfers into Level 3 — — — — — 11 Transfers out of Level 3 (1) — (19) — — — — Total gains/losses for the period: Included in earnings: Mortgage banking income 7 21 — — — — Interest and fee income — — (1) (1) — (1) Other noninterest income — (24) — — — — Provision for credit losses — — (2) — — — Included in OCI — — 56 — — — Purchases/originations 33 — 690 — — — Repayments — — — — — (4) Settlements (40) 15 (467) 3 (41) — Closing balance $ 515 $ (9) $ 3,611 $ 22 $ 34 $ 60 Change in unrealized gains or losses for the period included in earnings for assets held at end of the reporting date $ 7 $ 2 $ — $ — $ — $ — Change in unrealized gains or losses for the period included in other comprehensive income for assets held at the end of the reporting period — — 52 — — — Nine months ended September 30, 2023 Opening balance $ 494 $ (2) $ 3,248 $ 20 $ 74 $ 16 Transfers into Level 3 — — — — — 40 Transfers out of Level 3 (1) — (18) — — — — Total gains/losses for the period: Included in earnings Mortgage banking income 40 19 — — — — Interest and fee income — — (2) (1) — (3) Included in OCI — — 13 — 1 — Purchases/originations 49 — 715 1 — — Settlements (36) — (537) — — — Closing balance $ 547 $ (1) $ 3,437 $ 20 $ 75 $ 53 Change in unrealized gains or losses for the period included in earnings for assets held at end of the reporting date $ 40 $ 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 — — 2 — — — (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 September 30, 2024 Assets Loans held for sale $ 649 $ 630 $ 19 $ — $ — $ — Loans held for investment 175 186 (11) 3 4 (1) Liabilities Long-term debt 416 411 (5) 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 Nine Months Ended (dollar amounts in millions) September 30, 2024 September 30, 2023 September 30, 2024 September 30, 2023 Loans held for sale (1) $ 5 $ (4) $ 2 $ (4) Loans held for investment (1) — (2) (1) (5) Long-term debt (2) (3) — (5) — (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 Nine Months Ended (dollar amounts in millions) At September 30, 2024 At December 31, 2023 September 30, 2024 September 30, 2023 September 30, 2024 September 30, 2023 Collateral-dependent loans $ 162 $ 40 $ (4) $ (6) $ (45) $ (13)
Quantitative Information About Significant Unobservable Kevel 3 Fair Value Measurement Inputs	Quantitative Information about Level 3 Fair Value Measurements (1) At September 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 7 % - 41 % 9 % 4 % - 37 % 9 % Spread over forward interest rate swap rates 5 % - 10 % 6 % 5 % - 13 % 5 % Municipal securities and asset-backed securities Discounted cash flow Discount rate 4 % - 5 % 4 % 4 % - 6 % 5 % Cumulative default — % - 39 % 5 % — % - 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 September 30, 2024 Financial Assets Cash and short-term assets $ 12,840 $ — $ — $ 12,840 $ 12,840 Trading account securities — — 472 472 472 Available-for-sale securities — — 28,492 28,492 28,492 Held-to-maturity securities 15,670 — — 15,670 13,933 Other securities 794 — 32 826 826 Loans held for sale — 6 649 655 655 Net loans and leases (1) 123,977 — 175 124,152 122,872 Derivative assets — — 475 475 475 Assets held in trust for deferred compensation plans — — 191 191 191 Financial Liabilities Deposits (2) 158,351 — — 158,351 158,344 Short-term borrowings 868 — — 868 868 Long-term debt 15,240 — 416 15,656 15,819 Derivative liabilities — — 392 392 392 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 $1.5 billion and $1.4 billion in time deposits in excess of the FDIC insurance coverage limit at September 30, 2024 and December 31, 2023, respectively. 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 September 30, 2024 Financial Assets Trading account securities $ 427 $ 45 $ — $ — $ 472 Available-for-sale securities 6,530 18,295 3,667 — 28,492 Held-to-maturity securities 997 12,936 — — 13,933 Other securities (2) 31 1 — — 32 Loans held for sale — 649 6 — 655 Net loans and leases — 115 122,757 — 122,872 Derivative assets — 1,358 5 (888) 475 Financial Liabilities Deposits — 141,391 16,953 — 158,344 Short-term borrowings — 868 — — 868 Long-term debt — 10,425 5,394 — 15,819 Derivative liabilities — 870 14 (492) 392 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)	9 Months Ended
	Sep. 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 September 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 $ 43,652 $ 747 $ 277 $ 38,017 $ 868 $ 519 Foreign exchange contracts 243 1 — 222 6 — Derivatives not designated as Hedging Instruments Interest rate contracts 43,841 519 508 41,526 718 757 Foreign exchange contracts 5,119 50 51 5,257 69 76 Credit contracts 278 — 1 381 — 2 Commodities contracts 685 37 34 681 62 60 Equity contracts 767 9 13 759 — 7 Total contracts $ 94,585 $ 1,363 $ 884 $ 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 Nine Months Ended (dollar amounts in millions) September 30, 2024 September 30, 2023 September 30, 2024 September 30, 2023 Interest rate contracts: Customer Capital markets fees $ 17 $ 6 $ 28 $ 23 Mortgage banking Mortgage banking income 28 (37) 5 (28) Interest rate swaptions Other noninterest income — 33 — 50 Foreign exchange contracts Capital markets fees 11 9 33 34 Credit contracts Other noninterest income (6) — (14) — Commodities contracts Capital markets fees 1 1 3 4 Equity contracts Other noninterest income and other noninterest expense (13) (2) (17) (7) Total $ 38 $ 10 $ 38 $ 76
Gross Notional Values of Derivatives Used in Asset and Liability Management Activities	The following table presents the gross notional values of derivatives used in Huntington’s asset and liability management activities at September 30, 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 September 30, 2024 Instruments associated with: Investment securities $ 11,639 $ — $ — $ 11,639 Loans — 20,800 175 20,975 Long-term debt 11,213 — — 11,213 Total notional value $ 22,852 $ 20,800 $ 175 $ 43,827 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 Nine Months Ended (dollar amounts in millions) September 30, 2024 September 30, 2023 September 30, 2024 September 30, 2023 Interest rate contracts Change in fair value of interest rate swaps hedging investment securities (1) $ (295) $ 88 $ (263) $ 44 Change in fair value of hedged investment securities (1) 293 (87) 259 (45) Change in fair value of interest rate swaps hedging long-term debt (2) 301 (87) 142 (109) Change in fair value of hedged long term debt (2) (302) 87 (143) 109 (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 September 30, 2024 At December 31, 2023 At September 30, 2024 At December 31, 2023 Assets Investment securities (1) $ 17,327 $ 18,241 $ (439) $ (698) Liabilities Long-term debt (2) 11,165 9,909 28 (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 September 30, 2024, the amortized cost basis of the closed portfolios used in these hedging relationships was $16.7 billion, the cumulative basis adjustments associated with these hedging relationships was $377 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 $(60) million at September 30, 2024 and $(69) million at December 31, 2023.
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 September 30, 2024 At December 31, 2023 Notional value $ 2,195 $ 1,668 Trading liabilities (36) (69) Three Months Ended Nine Months Ended (dollar amounts in millions) September 30, 2024 September 30, 2023 September 30, 2024 September 30, 2023 Trading (losses) gains $ 26 $ (37) $ (3) $ (43)
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 September 30, 2024 $ 1,363 $ (888) $ 475 $ — $ (19) $ 456 At December 31, 2023 1,723 (1,330) 393 (45) (4) 344
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 September 30, 2024 $ 884 $ (492) $ 392 $ (70) $ (82) $ 240 At December 31, 2023 1,421 (751) 670 — (93) 577

VARIABLE INTEREST ENTITIES (Tab

VARIABLE INTEREST ENTITIES (Tables)	9 Months Ended
	Sep. 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 September 30, 2024 At December 31, 2023 Assets Net loans and leases $ 1,252 $ — Other assets 267 82 Total assets $ 1,519 $ 82 Liabilities Long-term borrowings $ 1,142 $ — Other liabilities 121 57 Total liabilities $ 1,263 $ 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 September 30, 2024 Affordable Housing Tax Credit Partnerships $ 2,269 $ 1,040 $ 2,269 Trust Preferred Securities 14 248 — Other Investments 896 173 896 Total $ 3,179 $ 1,461 $ 3,165 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 September 30, 2024 At December 31, 2023 Affordable housing tax credit investments $ 3,491 $ 3,335 Less: amortization (1,222) (1,038) Net affordable housing tax credit investments $ 2,269 $ 2,297 Unfunded commitments $ 1,040 $ 1,279 The following table presents other information relating to Huntington’s affordable housing tax credit investments. Three Months Ended Nine Months Ended (dollar amounts in millions) September 30, 2024 September 30, 2023 September 30, 2024 September 30, 2023 Tax credits and other tax benefits recognized $ 78 $ 66 $ 230 $ 197 Proportional amortization expense included in provision for income taxes 63 55 189 164

COMMITMENTS AND CONTINGENT LI_2

COMMITMENTS AND CONTINGENT LIABILITIES (Tables)	9 Months Ended
	Sep. 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 September 30, 2024 At December 31, 2023 Contract amount representing credit risk Commitments to extend credit: Commercial and industrial $ 35,731 $ 32,344 Consumer loan portfolio 19,983 19,270 Commercial real estate 1,865 2,543 Standby letters of credit and guarantees on industrial revenue bonds 743 814 Commercial letters of credit 24 9

SEGMENT REPORTING (Tables)

SEGMENT REPORTING (Tables)	9 Months Ended
	Sep. 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 September 30, 2024 Net interest income (loss) $ 1,050 $ 529 $ (228) $ 1,351 Provision for credit losses 105 1 — 106 Noninterest income 338 181 4 523 Noninterest expense 799 289 42 1,130 Provision (benefit) for income taxes 102 88 (74) 116 Income attributable to non-controlling interest — 5 — 5 Net income (loss) attributable to Huntington $ 382 $ 327 $ (192) $ 517 Three months ended September 30, 2023 Net interest income (loss) $ 941 $ 549 $ (122) $ 1,368 Provision for credit losses 82 17 — 99 Noninterest income 307 156 46 509 Noninterest expense 764 278 48 1,090 Provision (benefit) for income taxes 84 86 (34) 136 Income attributable to non-controlling interest — 5 — 5 Net income (loss) attributable to Huntington $ 318 $ 319 $ (90) $ 547 Nine months ended September 30, 2024 Net interest income (loss) $ 3,013 $ 1,579 $ (642) $ 3,950 Provision for credit losses 227 86 — 313 Noninterest income 968 490 23 1,481 Noninterest expense 2,364 883 137 3,384 Provision (benefit) for income taxes 292 231 (215) 308 Income attributable to non-controlling interest — 16 — 16 Net income (loss) attributable to Huntington $ 1,098 $ 853 $ (541) $ 1,410 Nine months ended September 30, 2023 Net interest income (loss) $ 2,745 $ 1,637 $ (259) $ 4,123 Provision for credit losses 192 84 — 276 Noninterest income 953 479 84 1,516 Noninterest expense 2,283 830 113 3,226 Provision (benefit) for income taxes 257 252 (95) 414 Income attributable to non-controlling interest — 15 — 15 Net income (loss) attributable to Huntington $ 966 $ 935 $ (193) $ 1,708
Segment Disclosure of Assets and Deposits	Assets Deposits (dollar amounts in millions) At September 30, 2024 At December 31, 2023 At September 30, 2024 At December 31, 2023 Consumer & Regional Banking $ 76,804 $ 73,082 $ 110,107 $ 110,157 Commercial Banking 64,583 63,377 42,064 35,466 Treasury / Other 59,148 52,909 6,180 5,607 Total $ 200,535 $ 189,368 $ 158,351 $ 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	Sep. 30, 2024	Dec. 31, 2023
Available-for-sale securities:
Total available-for-sale securities	$ 31,199	$ 28,565
Available-for-sale securities, Gross Gains	95	85
Available-for-sale securities, Gross Losses	(2,802)	(3,345)
Available-for-sale securities, Fair Value	28,492	25,305
Held-to-maturity securities:
Held-to-maturity securities	15,670	15,750
Held-to-maturity securities, Gross Gains	14	7
Held-to-maturity securities, Gross Losses	(1,751)	(2,039)
Held-to-maturity securities, Fair Value	13,933	13,718
Other securities, at cost:
Other securities, Amortized Cost	826	724
Other securities, Gross Gains	0	1
Other securities, Gross Losses	0	0
Other securities, Fair Value	826	725
Accrued interest receivable on AFS securities	88	61
Accrued interest receivable on HTM securities	38	36
Cumulative basis adjustments associated with hedging relationships	377	619
U.S. Treasury
Available-for-sale securities:
Total available-for-sale securities	6,508	2,855
Available-for-sale securities, Gross Gains	24	1
Available-for-sale securities, Gross Losses	(2)	0
Available-for-sale securities, Fair Value	6,530	2,856
Held-to-maturity securities:
Held-to-maturity securities	996
Held-to-maturity securities, Gross Gains	2
Held-to-maturity securities, Gross Losses	(1)
Held-to-maturity securities, Fair Value	997
US Treasury and Government
Available-for-sale securities:
Total available-for-sale securities	24,809	22,299
Available-for-sale securities, Gross Gains	29	4
Available-for-sale securities, Gross Losses	(2,495)	(2,899)
Available-for-sale securities, Fair Value	22,343	19,404
Held-to-maturity securities:
Held-to-maturity securities	15,668	15,748
Held-to-maturity securities, Gross Gains	14	7
Held-to-maturity securities, Gross Losses	(1,750)	(2,039)
Held-to-maturity securities, Fair Value	13,932	13,716
Residential CMO
Available-for-sale securities:
Total available-for-sale securities	3,363	3,592
Available-for-sale securities, Gross Gains	0	0
Available-for-sale securities, Gross Losses	(341)	(408)
Available-for-sale securities, Fair Value	3,022	3,184
Held-to-maturity securities:
Held-to-maturity securities	4,429	4,770
Held-to-maturity securities, Gross Gains	11	6
Held-to-maturity securities, Gross Losses	(570)	(664)
Held-to-maturity securities, Fair Value	3,870	4,112
Residential MBS
Available-for-sale securities:
Total available-for-sale securities	12,277	13,155
Available-for-sale securities, Gross Gains	5	3
Available-for-sale securities, Gross Losses	(1,497)	(1,776)
Available-for-sale securities, Fair Value	10,785	11,382
Held-to-maturity securities:
Held-to-maturity securities	8,735	9,368
Held-to-maturity securities, Gross Gains	1	1
Held-to-maturity securities, Gross Losses	(983)	(1,145)
Held-to-maturity securities, Fair Value	7,753	8,224
Commercial MBS
Available-for-sale securities:
Total available-for-sale securities	2,521	2,536
Available-for-sale securities, Gross Gains	0	0
Available-for-sale securities, Gross Losses	(651)	(709)
Available-for-sale securities, Fair Value	1,870	1,827
Held-to-maturity securities:
Held-to-maturity securities	1,428	1,509
Held-to-maturity securities, Gross Gains	0	0
Held-to-maturity securities, Gross Losses	(192)	(224)
Held-to-maturity securities, Fair Value	1,236	1,285
Other agencies
Available-for-sale securities:
Total available-for-sale securities	140	161
Available-for-sale securities, Gross Gains	0	0
Available-for-sale securities, Gross Losses	(4)	(6)
Available-for-sale securities, Fair Value	136	155
Held-to-maturity securities:
Held-to-maturity securities	80	101
Held-to-maturity securities, Gross Gains	0	0
Held-to-maturity securities, Gross Losses	(4)	(6)
Held-to-maturity securities, Fair Value	76	95
Municipal securities
Available-for-sale securities:
Total available-for-sale securities	3,756	3,536
Available-for-sale securities, Gross Gains	4	2
Available-for-sale securities, Gross Losses	(112)	(165)
Available-for-sale securities, Fair Value	3,648	3,373
Held-to-maturity securities:
Held-to-maturity securities	2	2
Held-to-maturity securities, Gross Gains	0	0
Held-to-maturity securities, Gross Losses	(1)	0
Held-to-maturity securities, Fair Value	1	2
Private-label CMO
Available-for-sale securities:
Total available-for-sale securities	122	131
Available-for-sale securities, Gross Gains	0	0
Available-for-sale securities, Gross Losses	(8)	(12)
Available-for-sale securities, Fair Value	114	119
Asset-backed securities
Available-for-sale securities:
Total available-for-sale securities	323	387
Available-for-sale securities, Gross Gains	0	0
Available-for-sale securities, Gross Losses	(17)	(31)
Available-for-sale securities, Fair Value	306	356
Corporate debt
Available-for-sale securities:
Total available-for-sale securities	2,179	2,202
Available-for-sale securities, Gross Gains	62	79
Available-for-sale securities, Gross Losses	(170)	(238)
Available-for-sale securities, Fair Value	2,071	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, Fair Value	10	10
Other non-marketable equity securities
Other securities, at cost:
Other securities, Amortized Cost	25	17
Other securities, Gross Gains	0	0
Other securities, Gross Losses	0	0
Other securities, Fair Value	25	17
Mutual funds
Other securities, at cost:
Other securities, Amortized Cost	31	30
Other securities, Gross Gains	0	0
Other securities, Gross Losses	0	0
Other securities, Fair Value	31	30
Equity securities
Other securities, at cost:
Other securities, Amortized Cost	1	1
Other securities, Gross Gains	0	1
Other securities, Gross Losses	0	0
Other securities, Fair Value	1	2
Federal Home Loan Bank stock | Non-marketable equity securities:
Other securities, at cost:
Other securities, Amortized Cost	249	169
Other securities, Gross Gains	0	0
Other securities, Gross Losses	0	0
Other securities, Fair Value	249	169
Federal Reserve Bank stock | Non-marketable equity securities:
Other securities, at cost:
Other securities, Amortized Cost	520	507
Other securities, Gross Gains	0	0
Other securities, Gross Losses	0	0
Other securities, Fair Value	$ 520	$ 507

INVESTMENT SECURITIES AND OTH_4

INVESTMENT SECURITIES AND OTHER SECURITIES - Contractual Maturities (Details) - USD ($) $ in Millions	Sep. 30, 2024	Dec. 31, 2023
Available-for-sale securities, amortized cost:
Under 1 year	$ 4,936	$ 3,380
After 1 year through 5 years	4,817	2,484
After 5 years through 10 years	2,392	2,392
After 10 years	19,054	20,309
Total available-for-sale securities	31,199	28,565
Available-for-sale securities, fair value:
Under 1 year	4,939	3,372
After 1 year through 5 years	4,717	2,338
After 5 years through 10 years	2,286	2,255
After 10 years	16,550	17,340
Total available-for-sale securities	28,492	25,305
Held-to-maturity securities, amortized cost:
Under 1 year	245	1
After 1 year through 5 years	784	48
After 5 years through 10 years	63	69
After 10 years	14,578	15,632
Total held-to-maturity securities	15,670	15,750
Held-to-maturity securities, fair value:
Under 1 year	245	1
After 1 year through 5 years	784	46
After 5 years through 10 years	60	66
After 10 years	12,844	13,605
Total held-to-maturity securities	$ 13,933	$ 13,718

INVESTMENT SECURITIES AND OTH_5

INVESTMENT SECURITIES AND OTHER SECURITIES - Continuous Unrealized Loss Position (Details) - USD ($) $ in Millions	Sep. 30, 2024	Dec. 31, 2023
Available-for-sale securities:
Less than 12 months, fair value	$ 1,389	$ 1,375
Less than 12 months, gross unrealized losses	(9)	(28)
12 months or longer, fair value	20,311	20,381
12 months or longer, gross unrealized losses	(2,793)	(3,317)
Total, fair value	21,700	21,756
Total, gross unrealized losses	(2,802)	(3,345)
Held-to-maturity securities:
Less than 12 months, fair value	554	156
Less than 12 months, gross unrealized losses	(1)	(1)
12 months or longer, fair value	12,325	13,030
12 months or longer, gross unrealized losses	(1,750)	(2,038)
Total held-to-maturity securities	12,879	13,186
Total, gross unrealized losses	(1,751)	(2,039)
U.S. Treasury
Available-for-sale securities:
Less than 12 months, fair value	885
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	885
Total, gross unrealized losses	(2)
Held-to-maturity securities:
Less than 12 months, fair value	554
Less than 12 months, gross unrealized losses	(1)
12 months or longer, fair value	0
12 months or longer, gross unrealized losses	0
Total held-to-maturity securities	554
Total, gross unrealized losses	(1)
Total U.S. Treasury, federal agency, and other agency securities
Available-for-sale securities:
Less than 12 months, fair value	885	750
Less than 12 months, gross unrealized losses	(2)	(9)
12 months or longer, fair value	15,340	15,462
12 months or longer, gross unrealized losses	(2,493)	(2,890)
Total, fair value	16,225	16,212
Total, gross unrealized losses	(2,495)	(2,899)
Held-to-maturity securities:
Less than 12 months, fair value	554	156
Less than 12 months, gross unrealized losses	(1)	(1)
12 months or longer, fair value	12,324	13,030
12 months or longer, gross unrealized losses	(1,749)	(2,038)
Total held-to-maturity securities	12,878	13,186
Total, gross unrealized losses	(1,750)	(2,039)
Residential CMO
Available-for-sale securities:
Less than 12 months, fair value	0	543
Less than 12 months, gross unrealized losses	0	(7)
12 months or longer, fair value	2,977	2,641
12 months or longer, gross unrealized losses	(341)	(401)
Total, fair value	2,977	3,184
Total, gross unrealized losses	(341)	(408)
Held-to-maturity securities:
Less than 12 months, fair value	0	156
Less than 12 months, gross unrealized losses	0	(1)
12 months or longer, fair value	3,366	3,542
12 months or longer, gross unrealized losses	(570)	(663)
Total held-to-maturity securities	3,366	3,698
Total, gross unrealized losses	(570)	(664)
Residential MBS
Available-for-sale securities:
Less than 12 months, fair value	0	207
Less than 12 months, gross unrealized losses	0	(2)
12 months or longer, fair value	10,422	10,913
12 months or longer, gross unrealized losses	(1,497)	(1,774)
Total, fair value	10,422	11,120
Total, gross unrealized losses	(1,497)	(1,776)
Held-to-maturity securities:
Less than 12 months, fair value	0	0
Less than 12 months, gross unrealized losses	0	0
12 months or longer, fair value	7,646	8,108
12 months or longer, gross unrealized losses	(983)	(1,145)
Total held-to-maturity securities	7,646	8,108
Total, gross unrealized losses	(983)	(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	1,870	1,827
12 months or longer, gross unrealized losses	(651)	(709)
Total, fair value	1,870	1,827
Total, gross unrealized losses	(651)	(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	1,236	1,285
12 months or longer, gross unrealized losses	(192)	(224)
Total held-to-maturity securities	1,236	1,285
Total, gross unrealized losses	(192)	(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	71	81
12 months or longer, gross unrealized losses	(4)	(6)
Total, fair value	71	81
Total, gross unrealized losses	(4)	(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	76	95
12 months or longer, gross unrealized losses	(4)	(6)
Total held-to-maturity securities	76	95
Total, gross unrealized losses	(4)	(6)
Municipal securities
Available-for-sale securities:
Less than 12 months, fair value	504	625
Less than 12 months, gross unrealized losses	(7)	(19)
12 months or longer, fair value	2,536	2,496
12 months or longer, gross unrealized losses	(105)	(146)
Total, fair value	3,040	3,121
Total, gross unrealized losses	(112)	(165)
Held-to-maturity securities:
Less than 12 months, fair value	0
Less than 12 months, gross unrealized losses	0
12 months or longer, fair value	1
12 months or longer, gross unrealized losses	(1)
Total held-to-maturity securities	1
Total, gross unrealized losses	(1)
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	(8)	(12)
Total, fair value	92	99
Total, gross unrealized losses	(8)	(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	272	281
12 months or longer, gross unrealized losses	(17)	(31)
Total, fair value	272	281
Total, gross unrealized losses	(17)	(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	2,071	2,043
12 months or longer, gross unrealized losses	(170)	(238)
Total, fair value	2,071	2,043
Total, gross unrealized losses	$ (170)	$ (238)

INVESTMENT SECURITIES AND OTH_6

INVESTMENT SECURITIES AND OTHER SECURITIES - Narrative (Details) $ in Millions	9 Months Ended
	Sep. 30, 2024 USD ($) security	Dec. 31, 2023 USD ($)
Investment Securities [Line Items]
Number of municipal bonds classified as AFS debt securities | security	1
AFS debt security charge-off	$ 2
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	$ 36,800	$ 35,100

LOANS AND LEASES - Loan and Lea

LOANS AND LEASES - Loan and Lease Portfolio Composition (Details) - USD ($) $ in Millions		Sep. 30, 2024	Jun. 30, 2024	Dec. 31, 2023	Sep. 30, 2023	Jun. 30, 2023	Dec. 31, 2022
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		$ 126,387		$ 121,982
Allowance for loan and lease losses		(2,235)	$ (2,304)	(2,255)	$ (2,208)	$ (2,177)	$ (2,121)
Net loans and leases	[1]	124,152		119,727
Loans and leases net premium (discount)		(348)		(323)
Commercial and industrial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		53,601		50,657
Commercial real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		11,543		12,422
Lease financing
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		5,342		5,228
Residential mortgage
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		24,100		23,720
Automobile
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		14,003		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		1,627		1,461
Commercial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		70,486		68,307
Allowance for loan and lease losses		(1,498)	(1,587)	(1,563)	(1,504)	(1,483)	(1,424)
Accrued interest receivable		314		333
Commercial | Commercial and industrial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		53,601		50,657
Commercial | Commercial real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		11,543		12,422
Commercial | Lease financing
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		5,342		5,228
Consumer
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		55,901		53,675
Allowance for loan and lease losses		(737)	$ (717)	(692)	$ (704)	$ (694)	$ (697)
Accrued interest receivable		229		220
Consumer | Residential mortgage
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		24,100		23,720
Consumer | Automobile
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		14,003		12,482
Consumer | Home equity
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases		10,129		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		$ 1,627		$ 1,461
[1] Includes VIE balances in net loans and leases and long-term debt of $1.3 billion and $1.1 billion, respectively, at September 30, 2024, and VIE balances in other assets of $267 million and $82 million, and other liabilities of $121 million and $57 million, at September 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		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023	Dec. 31, 2023
Accounts, Notes, Loans and Financing Receivable [Line Items]
Carrying value of residual values guaranteed	$ 513		$ 513		$ 478
Future lease rental payments due on sales-type and direct financing leases	5,100		5,100
Future lease rental payments due on sales-type and direct financing leases, year one	818		818
Future lease rental payments due on sales-type and direct financing leases, year two	775		775
Future lease rental payments due on sales-type and direct financing leases, year three	781		781
Future lease rental payments due on sales-type and direct financing leases, year four	813		813
Future lease rental payments due on sales-type and direct financing leases, year five	851		851
Future lease rental payments due on sales-type and direct financing leases, after year five	1,100		1,100
Direct financing leases, interest income	86	$ 73	246	$ 211
Commercial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Lease payments receivable	5,091		5,091		4,980
Estimated residual value of leased assets	868		868		804
Gross investment in lease financing receivables	5,959		5,959		5,784
Deferred origination costs	53		53		54
Deferred fees, unearned income and other	(670)		(670)		(610)
Total lease financing receivables	$ 5,342		$ 5,342		$ 5,228

LOANS AND LEASES - Nonaccrual L

LOANS AND LEASES - Nonaccrual Loans by Loan Class (Details) - USD ($) $ in Millions	Sep. 30, 2024	Dec. 31, 2023
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonaccrual loans and leases with no ACL	$ 125	$ 133
Total nonaccrual loans and leases	738	667
Commercial | Commercial and industrial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonaccrual loans and leases with no ACL	86	66
Total nonaccrual loans and leases	408	344
Commercial | Commercial real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonaccrual loans and leases with no ACL	39	64
Total nonaccrual loans and leases	132	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	9	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	82	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	5	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	100	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	$ 2	$ 2

LOANS AND LEASES - NALs Past Du

LOANS AND LEASES - NALs Past Due (Details) - USD ($) $ in Millions	Sep. 30, 2024	Dec. 31, 2023
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases	$ 126,387	$ 121,982
Loans Accounted for Under FVO	175	174
90 or more days past due and accruing	224	189
Total
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases	1,265	1,205
30-59 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases	511	543
60-89  Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases	204	235
90 or  more days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases	550	427
Current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases	124,947	120,603
Commercial and industrial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases	53,601	50,657
Loans Accounted for Under FVO	0	0
90 or more days past due and accruing	6	1
Commercial and industrial | Total
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases	289	228
Commercial and industrial | 30-59 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases	83	90
Commercial and industrial | 60-89  Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases	34	48
Commercial and industrial | 90 or  more days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases	172	90
Commercial and industrial | Current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases	53,312	50,429
Commercial real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases	11,543	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	61	80
Commercial real estate | 30-59 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases	9	28
Commercial real estate | 60-89  Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases	13	20
Commercial real estate | 90 or  more days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases	39	32
Commercial real estate | Current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases	11,482	12,342
Lease financing
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases	5,342	5,228
Loans Accounted for Under FVO	0	0
90 or more days past due and accruing	16	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	30	35
Lease financing | 60-89  Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases	10	15
Lease financing | 90 or  more days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases	17	9
Lease financing | Current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases	5,285	5,169
Residential mortgage
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases	24,100	23,720
Loans Accounted for Under FVO	175	174
90 or more days past due and accruing	164	146
Residential mortgage | Total
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases	489	486
Residential mortgage | 30-59 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases	198	205
Residential mortgage | 60-89  Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases	77	88
Residential mortgage | 90 or  more days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases	214	193
Residential mortgage | Current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases	23,436	23,060
Automobile
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases	14,003	12,482
Loans Accounted for Under FVO	0	0
90 or more days past due and accruing	10	9
Automobile | Total
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases	133	124
Automobile | 30-59 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases	96	89
Automobile | 60-89  Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases	24	23
Automobile | 90 or  more days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases	13	12
Automobile | Current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases	13,870	12,358
Home equity
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases	10,129	10,113
Loans Accounted for Under FVO	0	0
90 or more days past due and accruing	20	22
Home equity | Total
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases	180	181
Home equity | 30-59 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases	60	66
Home equity | 60-89  Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases	34	32
Home equity | 90 or  more days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases	86	83
Home equity | Current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases	9,949	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	32	26
RV and marine | 30-59 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases	22	17
RV and marine | 60-89  Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases	6	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	6,010	5,873
Other consumer
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases	1,627	1,461
Loans Accounted for Under FVO	0	0
90 or more days past due and accruing	5	4
Other consumer | Total
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases	24	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	6	4
Other consumer | 90 or  more days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases	5	4
Other consumer | Current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases	$ 1,603	$ 1,440

LOANS AND LEASES - Vintage and

LOANS AND LEASES - Vintage and Credit Quality (Details) - USD ($) $ in Millions	Sep. 30, 2024	Dec. 31, 2023
Financing Receivable, Credit Quality Indicator [Line Items]
Total	$ 126,387	$ 121,982
Commercial and industrial
Financing Receivable, Credit Quality Indicator [Line Items]
Total	53,601	50,657
Automobile
Financing Receivable, Credit Quality Indicator [Line Items]
Total	14,003	12,482
Home equity
Financing Receivable, Credit Quality Indicator [Line Items]
Total	10,129	10,113
RV and marine
Financing Receivable, Credit Quality Indicator [Line Items]
Total	6,042	5,899
Other consumer
Financing Receivable, Credit Quality Indicator [Line Items]
Total	1,627	1,461
Commercial
Financing Receivable, Credit Quality Indicator [Line Items]
Total	70,486	68,307
Commercial | Commercial and industrial
Financing Receivable, Credit Quality Indicator [Line Items]
2024	11,784	15,283
2023	9,413	10,433
2022	7,659	3,925
2021	2,941	2,321
2020	1,808	1,282
Prior	2,151	1,635
Revolver Total at Amortized Cost Basis	17,839	15,775
Revolver Total Converted to Term Loans	6	3
Total	53,601	50,657
Commercial | Commercial and industrial | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
2024	11,336	14,677
2023	8,855	9,889
2022	7,091	3,673
2021	2,722	2,151
2020	1,695	1,187
Prior	1,938	1,431
Revolver Total at Amortized Cost Basis	16,729	14,563
Revolver Total Converted to Term Loans	6	3
Total	50,372	47,574
Commercial | Commercial and industrial | OLEM
Financing Receivable, Credit Quality Indicator [Line Items]
2024	94	213
2023	157	239
2022	152	64
2021	50	20
2020	13	12
Prior	28	20
Revolver Total at Amortized Cost Basis	215	462
Revolver Total Converted to Term Loans	0	0
Total	709	1,030
Commercial | Commercial and industrial | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
2024	354	393
2023	396	305
2022	409	188
2021	169	150
2020	100	83
Prior	184	184
Revolver Total at Amortized Cost Basis	895	750
Revolver Total Converted to Term Loans	0	0
Total	2,507	2,053
Commercial | Commercial and industrial | Doubtful
Financing Receivable, Credit Quality Indicator [Line Items]
2024	0
2023	5
2022	7
2021	0
2020	0
Prior	1
Revolver Total at Amortized Cost Basis	0
Revolver Total Converted to Term Loans	0
Total	13
Commercial real estate
Financing Receivable, Credit Quality Indicator [Line Items]
2024	1,164	1,722
2023	1,278	4,063
2022	3,604	2,062
2021	1,690	1,138
2020	1,000	1,321
Prior	2,225	1,456
Revolver Total at Amortized Cost Basis	582	660
Revolver Total Converted to Term Loans	0	0
Total	11,543	12,422
Commercial real estate | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
2024	934	1,395
2023	1,166	3,253
2022	3,076	1,774
2021	1,425	1,063
2020	996	1,152
Prior	1,999	1,288
Revolver Total at Amortized Cost Basis	571	585
Revolver Total Converted to Term Loans	0	0
Total	10,167	10,510
Commercial real estate | OLEM
Financing Receivable, Credit Quality Indicator [Line Items]
2024	8	163
2023	75	406
2022	259	112
2021	142	65
2020	0	32
Prior	65	54
Revolver Total at Amortized Cost Basis	0	60
Revolver Total Converted to Term Loans	0	0
Total	549	892
Commercial real estate | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
2024	222	164
2023	37	404
2022	269	176
2021	123	10
2020	4	137
Prior	161	114
Revolver Total at Amortized Cost Basis	11	15
Revolver Total Converted to Term Loans	0	0
Total	827	1,020
Lease financing
Financing Receivable, Credit Quality Indicator [Line Items]
2024	1,352	2,009
2023	1,744	1,372
2022	1,022	865
2021	618	604
2020	412	258
Prior	194	120
Revolver Total at Amortized Cost Basis	0	0
Revolver Total Converted to Term Loans	0	0
Total	5,342	5,228
Lease financing | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
2024	1,349	1,973
2023	1,728	1,284
2022	990	828
2021	610	583
2020	400	243
Prior	185	106
Revolver Total at Amortized Cost Basis	0	0
Revolver Total Converted to Term Loans	0	0
Total	5,262	5,017
Lease financing | OLEM
Financing Receivable, Credit Quality Indicator [Line Items]
2024	1	16
2023	2	22
2022	3	6
2021	2	5
2020	6	2
Prior	1	9
Revolver Total at Amortized Cost Basis	0	0
Revolver Total Converted to Term Loans	0	0
Total	15	60
Lease financing | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
2024	2	20
2023	14	66
2022	29	31
2021	6	16
2020	6	13
Prior	8	5
Revolver Total at Amortized Cost Basis	0	0
Revolver Total Converted to Term Loans	0	0
Total	65	151
Consumer
Financing Receivable, Credit Quality Indicator [Line Items]
Total	55,901	53,675
Consumer | Residential mortgage
Financing Receivable, Credit Quality Indicator [Line Items]
2024	1,776	3,051
2023	3,026	5,066
2022	4,866	7,074
2021	6,639	3,866
2020	3,587	1,020
Prior	4,031	3,469
Revolver Total at Amortized Cost Basis	0	0
Revolver Total Converted to Term Loans	0	0
Total	23,925	23,546
Consumer | Residential mortgage | 750+
Financing Receivable, Credit Quality Indicator [Line Items]
2024	1,148	2,077
2023	2,354	3,963
2022	4,010	6,028
2021	5,733	3,292
2020	3,068	749
Prior	2,649	2,191
Revolver Total at Amortized Cost Basis	0	0
Revolver Total Converted to Term Loans	0	0
Total	18,962	18,300
Consumer | Residential mortgage | 650-749
Financing Receivable, Credit Quality Indicator [Line Items]
2024	592	950
2023	617	1,024
2022	746	964
2021	800	510
2020	452	186
Prior	818	775
Revolver Total at Amortized Cost Basis	0	0
Revolver Total Converted to Term Loans	0	0
Total	4,025	4,409
Consumer | Residential mortgage | Less than 650
Financing Receivable, Credit Quality Indicator [Line Items]
2024	36	24
2023	55	79
2022	110	82
2021	106	64
2020	67	85
Prior	564	503
Revolver Total at Amortized Cost Basis	0	0
Revolver Total Converted to Term Loans	0	0
Total	938	837
Consumer | Automobile
Financing Receivable, Credit Quality Indicator [Line Items]
2024	5,338	4,232
2023	3,213	3,550
2022	2,597	2,698
2021	1,836	1,228
2020	720	599
Prior	299	175
Revolver Total at Amortized Cost Basis	0	0
Revolver Total Converted to Term Loans	0	0
Total	14,003	12,482
Consumer | Automobile | 750+
Financing Receivable, Credit Quality Indicator [Line Items]
2024	3,249	2,624
2023	1,817	1,964
2022	1,503	1,525
2021	1,065	740
2020	432	367
Prior	167	85
Revolver Total at Amortized Cost Basis	0	0
Revolver Total Converted to Term Loans	0	0
Total	8,233	7,305
Consumer | Automobile | 650-749
Financing Receivable, Credit Quality Indicator [Line Items]
2024	1,872	1,438
2023	1,138	1,305
2022	827	907
2021	544	370
2020	201	168
Prior	82	53
Revolver Total at Amortized Cost Basis	0	0
Revolver Total Converted to Term Loans	0	0
Total	4,664	4,241
Consumer | Automobile | Less than 650
Financing Receivable, Credit Quality Indicator [Line Items]
2024	217	170
2023	258	281
2022	267	266
2021	227	118
2020	87	64
Prior	50	37
Revolver Total at Amortized Cost Basis	0	0
Revolver Total Converted to Term Loans	0	0
Total	1,106	936
Consumer | Home equity
Financing Receivable, Credit Quality Indicator [Line Items]
2024	213	519
2023	455	535
2022	480	580
2021	520	594
2020	533	26
Prior	336	388
Revolver Total at Amortized Cost Basis	7,004	6,881
Revolver Total Converted to Term Loans	588	590
Total	10,129	10,113
Consumer | Home equity | 750+
Financing Receivable, Credit Quality Indicator [Line Items]
2024	154	381
2023	350	429
2022	388	512
2021	464	534
2020	482	17
Prior	212	244
Revolver Total at Amortized Cost Basis	4,543	4,454
Revolver Total Converted to Term Loans	230	233
Total	6,823	6,804
Consumer | Home equity | 650-749
Financing Receivable, Credit Quality Indicator [Line Items]
2024	57	136
2023	98	100
2022	82	65
2021	52	57
2020	47	7
Prior	82	101
Revolver Total at Amortized Cost Basis	2,039	2,083
Revolver Total Converted to Term Loans	220	230
Total	2,677	2,779
Consumer | Home equity | Less than 650
Financing Receivable, Credit Quality Indicator [Line Items]
2024	2	2
2023	7	6
2022	10	3
2021	4	3
2020	4	2
Prior	42	43
Revolver Total at Amortized Cost Basis	422	344
Revolver Total Converted to Term Loans	138	127
Total	629	530
Consumer | RV and marine
Financing Receivable, Credit Quality Indicator [Line Items]
2024	1,010	1,499
2023	1,268	1,231
2022	1,080	1,140
2021	990	764
2020	651	400
Prior	1,043	865
Revolver Total at Amortized Cost Basis	0	0
Revolver Total Converted to Term Loans	0	0
Total	6,042	5,899
Consumer | RV and marine | 750+
Financing Receivable, Credit Quality Indicator [Line Items]
2024	805	1,206
2023	956	971
2022	850	867
2021	745	588
2020	499	295
Prior	745	612
Revolver Total at Amortized Cost Basis	0	0
Revolver Total Converted to Term Loans	0	0
Total	4,600	4,539
Consumer | RV and marine | 650-749
Financing Receivable, Credit Quality Indicator [Line Items]
2024	201	289
2023	293	248
2022	208	252
2021	213	158
2020	130	91
Prior	240	210
Revolver Total at Amortized Cost Basis	0	0
Revolver Total Converted to Term Loans	0	0
Total	1,285	1,248
Consumer | RV and marine | Less than 650
Financing Receivable, Credit Quality Indicator [Line Items]
2024	4	4
2023	19	12
2022	22	21
2021	32	18
2020	22	14
Prior	58	43
Revolver Total at Amortized Cost Basis	0	0
Revolver Total Converted to Term Loans	0	0
Total	157	112
Consumer | Other consumer
Financing Receivable, Credit Quality Indicator [Line Items]
2024	337	288
2023	184	128
2022	87	59
2021	38	26
2020	16	23
Prior	64	61
Revolver Total at Amortized Cost Basis	882	846
Revolver Total Converted to Term Loans	19	30
Total	1,627	1,461
Consumer | Other consumer | 750+
Financing Receivable, Credit Quality Indicator [Line Items]
2024	228	186
2023	110	80
2022	56	39
2021	26	19
2020	12	17
Prior	52	48
Revolver Total at Amortized Cost Basis	430	424
Revolver Total Converted to Term Loans	2	3
Total	916	816
Consumer | Other consumer | 650-749
Financing Receivable, Credit Quality Indicator [Line Items]
2024	104	98
2023	64	43
2022	26	17
2021	10	6
2020	3	5
Prior	10	12
Revolver Total at Amortized Cost Basis	407	383
Revolver Total Converted to Term Loans	8	13
Total	632	577
Consumer | Other consumer | Less than 650
Financing Receivable, Credit Quality Indicator [Line Items]
2024	5	4
2023	10	5
2022	5	3
2021	2	1
2020	1	1
Prior	2	1
Revolver Total at Amortized Cost Basis	45	39
Revolver Total Converted to Term Loans	9	14
Total	$ 79	$ 68

LOANS AND LEASES - Gross Charge

LOANS AND LEASES - Gross Charge-offs of Loans and Leases (Details) - USD ($) $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
Financing Receivable, Credit Quality Indicator [Line Items]
2024	$ 10	$ 13	$ 22	$ 18
2023	22	40	57	81
2022	39	13	119	68
2021	22	9	61	25
2020	4	28	22	51
Prior	10	10	56	39
Revolver Gross Charge-offs	12	10	33	15
Revolver Converted to Term Loans Gross Charge-offs	10	8	32	25
Total	129	131	402	322
Commercial
Financing Receivable, Credit Quality Indicator [Line Items]
Total	74	85	243	190
Consumer
Financing Receivable, Credit Quality Indicator [Line Items]
Total	55	46	159	132
Commercial and industrial | Commercial
Financing Receivable, Credit Quality Indicator [Line Items]
2024	1	2	1	4
2023	7	21	17	39
2022	30	6	60	23
2021	13	6	35	13
2020	1	15	12	26
Prior	2	1	6	11
Revolver Gross Charge-offs	8	3	28	7
Revolver Converted to Term Loans Gross Charge-offs	1	0	2	1
Total	63	54	161	124
Commercial real estate | Commercial
Financing Receivable, Credit Quality Indicator [Line Items]
2024	2	5	11	5
2023	2	6	4	9
2022	0	0	30	19
2021	1	0	3	0
2020	0	10	0	15
Prior	0	0	24	5
Revolver Gross Charge-offs	4	7	4	7
Revolver Converted to Term Loans Gross Charge-offs	0	0	0	0
Total	9	28	76	60
Lease financing | Commercial
Financing Receivable, Credit Quality Indicator [Line Items]
2024	0	0	0	0
2023	1	3	2	3
2022	0	0	1	1
2021	1	0	2	1
2020	0	0	0	0
Prior	0	0	1	1
Revolver Gross Charge-offs	0	0	0	0
Revolver Converted to Term Loans Gross Charge-offs	0	0	0	0
Total	2	3	6	6
Residential mortgage | Consumer
Financing Receivable, Credit Quality Indicator [Line Items]
2024	0	0	0	0
2023	0	0	0	0
2022	0	0	0	1
2021	0	0	0	0
2020	0	0	0	0
Prior	0	1	2	3
Revolver Gross Charge-offs	0	0	0	0
Revolver Converted to Term Loans Gross Charge-offs	0	0	0	0
Total	0	1	2	4
Automobile | Consumer
Financing Receivable, Credit Quality Indicator [Line Items]
2024	2	1	2	1
2023	5	5	13	11
2022	4	3	13	11
2021	3	1	10	5
2020	1	1	4	4
Prior	1	1	3	3
Revolver Gross Charge-offs	0	0	0	0
Revolver Converted to Term Loans Gross Charge-offs	0	0	0	0
Total	16	12	45	35
Home equity | Consumer
Financing Receivable, Credit Quality Indicator [Line Items]
2024	0	0	0	0
2023	0	0	0	0
2022	0	0	0	0
2021	0	0	0	0
2020	0	0	0	0
Prior	1	1	1	1
Revolver Gross Charge-offs	0	0	1	1
Revolver Converted to Term Loans Gross Charge-offs	1	1	4	4
Total	2	2	6	6
RV and marine | Consumer
Financing Receivable, Credit Quality Indicator [Line Items]
2024	0	0	0	0
2023	1	0	2	1
2022	1	1	3	2
2021	2	1	5	2
2020	1	1	3	2
Prior	2	2	8	5
Revolver Gross Charge-offs	0	0	0	0
Revolver Converted to Term Loans Gross Charge-offs	0	0	0	0
Total	7	5	21	12
Other consumer | Consumer
Financing Receivable, Credit Quality Indicator [Line Items]
2024	5	5	8	8
2023	6	5	19	18
2022	4	3	12	11
2021	2	1	6	4
2020	1	1	3	4
Prior	4	4	11	10
Revolver Gross Charge-offs	0	0	0	0
Revolver Converted to Term Loans Gross Charge-offs	8	7	26	20
Total	$ 30	$ 26	$ 85	$ 75

LOANS AND LEASES - Modification

LOANS AND LEASES - Modifications (Details) - USD ($) $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
Financing Receivable, Modified [Line Items]
Total	$ 408	$ 228	$ 669	$ 548
% of total loan class	0.34%	0.20%	0.55%	0.47%
Amortized cost basis	$ 772	$ 548	$ 772	$ 548
30-59 Days
Financing Receivable, Modified [Line Items]
Amortized cost basis	23	13	23	13
60-89  Days
Financing Receivable, Modified [Line Items]
Amortized cost basis	7	11	7	11
90 or  more days
Financing Receivable, Modified [Line Items]
Amortized cost basis	24	12	24	12
Total
Financing Receivable, Modified [Line Items]
Amortized cost basis	54	36	54	36
Current
Financing Receivable, Modified [Line Items]
Amortized cost basis	718	512	718	512
Commercial | Commercial and industrial
Financing Receivable, Modified [Line Items]
Total	$ 204	$ 149	$ 345	$ 328
% of total loan class	0.38%	0.30%	0.64%	0.66%
Amortized cost basis	$ 425	$ 328	$ 425	$ 328
Commercial | Commercial and industrial | 30-59 Days
Financing Receivable, Modified [Line Items]
Amortized cost basis	1	2	1	2
Commercial | Commercial and industrial | 60-89  Days
Financing Receivable, Modified [Line Items]
Amortized cost basis	2	1	2	1
Commercial | Commercial and industrial | 90 or  more days
Financing Receivable, Modified [Line Items]
Amortized cost basis	4	3	4	3
Commercial | Commercial and industrial | Total
Financing Receivable, Modified [Line Items]
Amortized cost basis	7	6	7	6
Commercial | Commercial and industrial | Current
Financing Receivable, Modified [Line Items]
Amortized cost basis	418	322	418	322
Commercial | Commercial real estate
Financing Receivable, Modified [Line Items]
Total	$ 179	$ 56	$ 253	$ 142
% of total loan class	1.55%	0.44%	2.19%	1.12%
Amortized cost basis	$ 259	$ 142	$ 259	$ 142
Commercial | Commercial real estate | 30-59 Days
Financing Receivable, Modified [Line Items]
Amortized cost basis	9	0	9	0
Commercial | Commercial real estate | 60-89  Days
Financing Receivable, Modified [Line Items]
Amortized cost basis	0	5	0	5
Commercial | Commercial real estate | 90 or  more days
Financing Receivable, Modified [Line Items]
Amortized cost basis	5	1	5	1
Commercial | Commercial real estate | Total
Financing Receivable, Modified [Line Items]
Amortized cost basis	14	6	14	6
Commercial | Commercial real estate | Current
Financing Receivable, Modified [Line Items]
Amortized cost basis	245	136	245	136
Consumer | Residential mortgage
Financing Receivable, Modified [Line Items]
Total	$ 17	$ 16	$ 45	$ 55
% of total loan class	0.07%	0.07%	0.19%	0.23%
Amortized cost basis	$ 54	$ 55	$ 54	$ 55
Consumer | Residential mortgage | 30-59 Days
Financing Receivable, Modified [Line Items]
Amortized cost basis	10	10	10	10
Consumer | Residential mortgage | 60-89  Days
Financing Receivable, Modified [Line Items]
Amortized cost basis	4	5	4	5
Consumer | Residential mortgage | 90 or  more days
Financing Receivable, Modified [Line Items]
Amortized cost basis	11	7	11	7
Consumer | Residential mortgage | Total
Financing Receivable, Modified [Line Items]
Amortized cost basis	25	22	25	22
Consumer | Residential mortgage | Current
Financing Receivable, Modified [Line Items]
Amortized cost basis	29	33	29	33
Consumer | Automobile
Financing Receivable, Modified [Line Items]
Total	$ 3	$ 4	$ 11	$ 12
% of total loan class	0.02%	0.03%	0.08%	0.09%
Amortized cost basis	$ 15	$ 12	$ 15	$ 12
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	11	12	11
Consumer | Home equity
Financing Receivable, Modified [Line Items]
Total	$ 4	$ 3	$ 13	$ 9
% of total loan class	0.04%	0.03%	0.13%	0.09%
Amortized cost basis	$ 16	$ 9	$ 16	$ 9
Consumer | Home equity | 30-59 Days
Financing Receivable, Modified [Line Items]
Amortized cost basis	1	0	1	0
Consumer | Home equity | 60-89  Days
Financing Receivable, Modified [Line Items]
Amortized cost basis	0	0	0	0
Consumer | Home equity | 90 or  more days
Financing Receivable, Modified [Line Items]
Amortized cost basis	4	1	4	1
Consumer | Home equity | Total
Financing Receivable, Modified [Line Items]
Amortized cost basis	5	1	5	1
Consumer | Home equity | Current
Financing Receivable, Modified [Line Items]
Amortized cost basis	11	8	11	8
Consumer | RV and marine
Financing Receivable, Modified [Line Items]
Total			$ 1	$ 1
% of total loan class			0.02%	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
% of total loan class	0.06%		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	23	1	43	34
Interest rate reduction | Commercial | Commercial and industrial
Financing Receivable, Modified [Line Items]
Total	$ 22	1	$ 42	$ 33
Interest rate reduction | Commercial | Commercial and industrial | Minimum
Financing Receivable, Modified [Line Items]
Weighted-average contractual interest rate	7.81%		8.80%	7.96%
Interest rate reduction | Commercial | Commercial and industrial | Maximum
Financing Receivable, Modified [Line Items]
Weighted-average contractual interest rate	6.56%		7.60%	7.25%
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			8.26%
Interest rate reduction | Commercial | Commercial real estate | Maximum
Financing Receivable, Modified [Line Items]
Weighted-average contractual interest rate			7.90%
Interest rate reduction | Consumer | Commercial real estate | Minimum
Financing Receivable, Modified [Line Items]
Weighted-average contractual interest rate	8.60%
Interest rate reduction | Consumer | Commercial real estate | Maximum
Financing Receivable, Modified [Line Items]
Weighted-average contractual interest rate	7.96%
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 | RV and marine
Financing Receivable, Modified [Line Items]
Total			0	0
Interest rate reduction | Consumer | Other consumer
Financing Receivable, Modified [Line Items]
Total	1		1	1
Term extension
Financing Receivable, Modified [Line Items]
Total	352	218	520	492
Term extension | Commercial | Commercial and industrial
Financing Receivable, Modified [Line Items]
Total	$ 165	$ 147	$ 240	$ 291
Weighted-average years added to the life	8 months 12 days	1 year	9 months 18 days	1 year
Term extension | Commercial | Commercial real estate
Financing Receivable, Modified [Line Items]
Total	$ 168	$ 52	$ 228	$ 138
Weighted-average years added to the life	1 year	7 months 6 days	1 year	8 months 12 days
Term extension | Consumer | Residential mortgage
Financing Receivable, Modified [Line Items]
Total	$ 15	$ 15	$ 37	$ 50
Weighted-average years added to the life	5 years 9 months 18 days	8 years 4 months 24 days	6 years 10 months 24 days	7 years 7 months 6 days
Term extension | Consumer | Automobile
Financing Receivable, Modified [Line Items]
Total	$ 3	$ 4	$ 10	$ 11
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	1	0	$ 4	$ 1
Weighted-average years added to the life			12 years 8 months 12 days
Term extension | Consumer | RV and marine
Financing Receivable, Modified [Line Items]
Total			$ 1	1
Term extension | Consumer | Other consumer
Financing Receivable, Modified [Line Items]
Total	0		0	0
Payment deferral
Financing Receivable, Modified [Line Items]
Total	1	0	5	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	0	5	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	0
Payment deferral | Consumer | Other consumer
Financing Receivable, Modified [Line Items]
Total	0		0	0
Combo - interest rate reduction and term extension
Financing Receivable, Modified [Line Items]
Total	32	9	101	20
Combo - interest rate reduction and term extension | Commercial | Commercial and industrial
Financing Receivable, Modified [Line Items]
Total	17	1	63	4
Combo - interest rate reduction and term extension | Commercial | Commercial real estate
Financing Receivable, Modified [Line Items]
Total	11	4	25	4
Combo - interest rate reduction and term extension | Consumer | Residential mortgage
Financing Receivable, Modified [Line Items]
Total	1	1	3	3
Combo - interest rate reduction and term extension | Consumer | Automobile
Financing Receivable, Modified [Line Items]
Total	0	0	1	1
Combo - interest rate reduction and term extension | Consumer | Home equity
Financing Receivable, Modified [Line Items]
Total	3	$ 3	9	8
Combo - interest rate reduction and term extension | Consumer | RV and marine
Financing Receivable, Modified [Line Items]
Total			0	0
Combo - interest rate reduction and term extension | Consumer | Other consumer
Financing Receivable, Modified [Line Items]
Total	$ 0		$ 0	$ 0

LOANS AND LEASES - Narrative (D

LOANS AND LEASES - Narrative (Details) - USD ($) $ in Billions	Sep. 30, 2024	Dec. 31, 2023
Receivables [Abstract]
FHLB borrowings and advances, collateral	$ 102.2	$ 101.8

ALLOWANCE FOR CREDIT LOSSES - A

ALLOWANCE FOR CREDIT LOSSES - Allowance Roll-forward (Details) - USD ($) $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023	Dec. 31, 2023
Financing Receivable, Allowance for Credit Loss [Roll Forward]
ALLL balance, beginning of period	$ 2,304	$ 2,177	$ 2,255	$ 2,121
Loan and lease charge-offs	(129)	(131)	(402)	(322)
Recoveries of loans and leases previously charged-off	36	58	127	143
Provision (benefit) for loan and lease losses	24	104	255	266
ALLL balance, end of period	2,235	2,208	2,235	2,208
AULC balance, beginning of period	119	165	145	150
Provision (benefit) for unfunded lending commitments	82	(5)	56	10
AULC balance, end of period	201	160	201	160
ACL balance, end of period	2,436	2,368	2,436	2,368
Commercial
Financing Receivable, Allowance for Credit Loss [Roll Forward]
ALLL balance, beginning of period	1,587	1,483	1,563	1,424
Loan and lease charge-offs	(74)	(85)	(243)	(190)
Recoveries of loans and leases previously charged-off	20	40	77	89
Provision (benefit) for loan and lease losses	(35)	66	101	181
ALLL balance, end of period	1,498	1,504	1,498	1,504
AULC balance, beginning of period	64	78	66	71
Provision (benefit) for unfunded lending commitments	76	(2)	74	5
AULC balance, end of period	140	76	140	76
ACL balance, end of period	1,638	1,580	1,638	1,580	$ 1,600
Consumer
Financing Receivable, Allowance for Credit Loss [Roll Forward]
ALLL balance, beginning of period	717	694	692	697
Loan and lease charge-offs	(55)	(46)	(159)	(132)
Recoveries of loans and leases previously charged-off	16	18	50	54
Provision (benefit) for loan and lease losses	59	38	154	85
ALLL balance, end of period	737	704	737	704
AULC balance, beginning of period	55	87	79	79
Provision (benefit) for unfunded lending commitments	6	(3)	(18)	5
AULC balance, end of period	61	84	61	84
ACL balance, end of period	$ 798	$ 788	$ 798	$ 788	$ 771

ALLOWANCE FOR CREDIT LOSSES - N

ALLOWANCE FOR CREDIT LOSSES - Narrative (Details) - USD ($) $ in Millions	9 Months Ended
	Sep. 30, 2024	Dec. 31, 2023	Sep. 30, 2023
Accounts, Notes, Loans and Financing Receivable [Line Items]
ACL balance, end of period	$ 2,436		$ 2,368
ACL, period increase (decrease)	36
Commercial
Accounts, Notes, Loans and Financing Receivable [Line Items]
ACL balance, end of period	1,638	$ 1,600	1,580
Consumer
Accounts, Notes, Loans and Financing Receivable [Line Items]
ACL balance, end of period	$ 798	$ 771	$ 788

MORTGAGE LOAN SALES AND SERVI_3

MORTGAGE LOAN SALES AND SERVICING RIGHTS - Residential Mortgage Portfolio (Details) - Residential mortgage - USD ($) $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
Servicing Asset at Amortized Cost [Line Items]
Residential mortgage loans sold with servicing retained	$ 1,150	$ 1,100	$ 2,944	$ 3,079
Pretax gains resulting from above loan sales	17	21	49	43
Total servicing, late, and other ancillary fees	$ 27	$ 25	$ 78	$ 72

MORTGAGE LOAN SALES AND SERVI_4

MORTGAGE LOAN SALES AND SERVICING RIGHTS - Residential Mortgage Portfolio, MSRs Fair Value Method (Details) - Residential mortgage - USD ($) $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
Servicing Asset at Fair Value, Amount [Roll Forward]
Fair value, beginning of period	$ 543	$ 505	$ 515	$ 494
New servicing assets created	12	17	33	48
Time decay	(6)	(6)	(19)	(18)
Payoffs	(9)	(7)	(21)	(18)
Changes in valuation inputs or assumptions	(25)	38	7	41
Fair value, end of period	515	547	515	547
Loans serviced for third parties, unpaid principal balance, end of period	$ 33,565	$ 32,965	$ 33,565	$ 32,965

MORTGAGE LOAN SALES AND SERVI_5

MORTGAGE LOAN SALES AND SERVICING RIGHTS - Residential Mortgage Portfolio, MSRs Fair Value Method Key Assumptions (Details) - Fair value method - Residential mortgage - USD ($) $ in Millions	9 Months Ended	12 Months Ended
	Sep. 30, 2024	Dec. 31, 2023
Servicing Assets at Fair Value [Line Items]
Constant prepayment rate (annualized), actual	9.29%	8.61%
Constant prepayment rate (annualized), 10% adverse change	$ (14)	$ (15)
Constant prepayment rate (annualized), 20% adverse change	$ (28)	$ (28)
Spread over forward interest rate swap rates, actual	5.70%	5.38%
Spread over forward interest rate swap rates, 10% adverse change	$ (12)	$ (11)
Spread over forward interest rate swap rates, 20% adverse change	$ (23)	$ (22)

BORROWINGS - Schedule of Short-

BORROWINGS - Schedule of Short-Term Debt (Details) - USD ($) $ in Millions	Sep. 30, 2024	Dec. 31, 2023
Short-term Debt [Line Items]
Short-term borrowings	$ 868	$ 620
Securities sold under agreements to repurchase
Short-term Debt [Line Items]
Short-term borrowings	142	618
Other borrowings
Short-term Debt [Line Items]
Short-term borrowings	$ 726	$ 2

BORROWINGS - Schedule of Long-T

BORROWINGS - Schedule of Long-Term Debt and Debt Issuances (Details) - USD ($) $ in Millions		Sep. 30, 2024	Dec. 31, 2023
Debt Instrument [Line Items]
Long-term debt	[1]	$ 15,656	$ 12,394
FHLB Advances
Debt Instrument [Line Items]
Long-term debt		4,734	2,731
Auto Loan Securitization Trust
Debt Instrument [Line Items]
Long-term debt		$ 1,142	0
Weighted average rate		5.38%
Credit Linked Notes
Debt Instrument [Line Items]
Long-term debt		$ 416	0
Other
Debt Instrument [Line Items]
Long-term debt		480	528
Parent
Debt Instrument [Line Items]
Long-term debt		5,606	4,993
Parent | Senior Notes
Debt Instrument [Line Items]
Long-term debt		4,834	4,233
Parent | Subordinated Notes
Debt Instrument [Line Items]
Long-term debt		772	760
Bank
Debt Instrument [Line Items]
Long-term debt		3,278	4,142
Bank | Senior Notes
Debt Instrument [Line Items]
Long-term debt		2,762	3,480
Bank | Subordinated Notes
Debt Instrument [Line Items]
Long-term debt		$ 516	$ 662
[1] Includes VIE balances in net loans and leases and long-term debt of $1.3 billion and $1.1 billion, respectively, at September 30, 2024, and VIE balances in other assets of $267 million and $82 million, and other liabilities of $121 million and $57 million, at September 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	9 Months Ended
	Sep. 30, 2024	Sep. 30, 2024	Dec. 31, 2023
Debt Instrument [Line Items]
Carrying value of assets pledged as collateral against repurchase agreements	$ 189	$ 189	$ 840
Maturity term		60 days
Credit Linked Notes | Huntington National Bank Unsecured Notes Maturing May 20, 2032
Debt Instrument [Line Items]
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
Debt Instrument [Line Items]
Weighted average rate	5.38%	5.38%
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		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
Pretax
Other comprehensive income (loss), pretax			$ 742	$ (684)
Tax (Expense) Benefit
Total other comprehensive income (loss), tax (expense) benefit			(170)	160
After-tax
Other comprehensive income (loss), net of tax	$ 807	$ (616)	572	(524)
Unrealized gains and (losses) on debt securities
Pretax
Unrealized gains on available-for-sale securities arising during the period, net of hedges	573	(739)	310	(685)
Reclassification from AOCI, before tax	4	3	9	41
Tax (Expense) Benefit
OCI before reclassification, tax	(131)	170	(70)	158
Reclassification adjustment for realized net losses included in net income	(1)	0	(2)	(9)
After-tax
Unrealized gains (losses) on available-for-sale securities arising during the period, net of hedges	442	(569)	240	(527)
Reclassification adjustment for realized net losses included in net income	3	3	7	32
Net change related to cash flow hedges on loans
Pretax
Unrealized gains on available-for-sale securities arising during the period, net of hedges	412	(119)	231	(154)
Reclassification from AOCI, before tax	55	67	190	113
Tax (Expense) Benefit
OCI before reclassification, tax	(95)	28	(53)	40
Reclassification adjustment for realized net losses included in net income	(12)	(26)	(44)	(29)
After-tax
Unrealized gains (losses) on available-for-sale securities arising during the period, net of hedges	317	(91)	178	(114)
Reclassification adjustment for realized net losses included in net income	43	41	146	84
Net change related to cash flow hedges on loans | Cash Flow Hedges
Pretax
Other comprehensive income (loss), pretax	467	(52)	421	(41)
Tax (Expense) Benefit
Total other comprehensive income (loss), tax (expense) benefit	(107)	2	(97)	11
After-tax
Other comprehensive income (loss), net of tax	360	(50)	324	(30)
Accumulated foreign currency adjustment
Pretax
Unrealized gains on available-for-sale securities arising during the period, net of hedges		(1)
Other comprehensive income (loss), pretax	2
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	2
Unrealized gains (losses) for pension and other post-retirement obligations
Pretax
Unrealized gains on available-for-sale securities arising during the period, net of hedges	1
Other comprehensive income (loss), pretax		1	2	1
Tax (Expense) Benefit
OCI before reclassification, tax	(1)
Total other comprehensive income (loss), tax (expense) benefit		0	(1)	0
After-tax
Unrealized gains (losses) on available-for-sale securities arising during the period, net of hedges	0
Other comprehensive income (loss), net of tax		1	1	1
AOCI
Pretax
Other comprehensive income (loss), pretax	1,047	(788)
Tax (Expense) Benefit
Total other comprehensive income (loss), tax (expense) benefit	(240)	172
After-tax
Other comprehensive income (loss), net of tax	807	(616)	572	(524)
Debt securities | Unrealized gains and (losses) on debt securities
Pretax
Other comprehensive income (loss), pretax	577	(736)	319	(644)
Tax (Expense) Benefit
Total other comprehensive income (loss), tax (expense) benefit	(132)	170	(72)	149
After-tax
Other comprehensive income (loss), net of tax	$ 445	$ (566)	$ 247	$ (495)

OTHER COMPREHENSIVE INCOME - AO

OTHER COMPREHENSIVE INCOME - AOCI Roll Forward (Details) - USD ($) $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Balance, beginning of period			$ 19,353
Other comprehensive income before reclassifications	$ 761	$ (661)	418	$ (641)
Net unrealized gains on net investment hedges	46	45	154	117
Other comprehensive income (loss), net of tax	807	(616)	572	(524)
Balance, end of period	20,606		20,606
Unrealized gains and (losses) on debt securities
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Balance, beginning of period	(2,292)	(2,177)	(2,094)	(2,248)
Other comprehensive income before reclassifications	442	(569)	240	(527)
Net unrealized gains on net investment hedges	3	3	7	32
Other comprehensive income (loss), net of tax	445	(566)	247	(495)
Balance, end of period	(1,847)	(2,743)	(1,847)	(2,743)
Net change related to cash flow hedges on loans
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Balance, beginning of period	(399)	(612)	(363)	(632)
Other comprehensive income before reclassifications	317	(91)	178	(114)
Net unrealized gains on net investment hedges	43	41	146	84
Other comprehensive income (loss), net of tax	360	(50)	324	(30)
Balance, end of period	(39)	(662)	(39)	(662)
Translation adjustments, net of hedges
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Balance, beginning of period	(8)	(7)	(6)	(8)
Other comprehensive income before reclassifications	2	(1)	0	0
Net unrealized gains on net investment hedges	0	0	0	0
Other comprehensive income (loss), net of tax	2	(1)	0	0
Balance, end of period	(6)	(8)	(6)	(8)
Unrealized gains (losses) for pension and other post-retirement obligations
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Balance, beginning of period	(212)	(210)	(213)	(210)
Other comprehensive income before reclassifications	0	0	0	0
Net unrealized gains on net investment hedges	0	1	1	1
Other comprehensive income (loss), net of tax	0	1	1	1
Balance, end of period	(212)	(209)	(212)	(209)
AOCI
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Balance, beginning of period	(2,911)	(3,006)	(2,676)	(3,098)
Balance, end of period	$ (2,104)	$ (3,622)	(2,104)	(3,622)
Reclassification out of Accumulated Other Comprehensive Income
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Net unrealized loss on securities transfer			$ 52	$ 60

SHAREHOLDERS' EQUITY (Details)

SHAREHOLDERS' EQUITY (Details) - USD ($) $ / shares in Units, $ in Millions		3 Months Ended			9 Months Ended
	Oct. 15, 2024	Oct. 15, 2024	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 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 ($)			36	$ 37	107	$ 106
Retained Earnings
Class of Stock [Line Items]
Amount ($)			$ 36	$ 37	$ 107	$ 106
Series B
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)			$ 20.66	$ 20.67	$ 62.08	$ 59.39
Series B | Retained Earnings
Class of Stock [Line Items]
Amount ($)			$ 1	$ 1	$ 2	$ 2
Series E
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)			$ 2,157.65	$ 2,112.39	$ 6,412.62	$ 5,572.46
Series E | Subsequent Event
Class of Stock [Line Items]
Dividend Rate	5.70%
Stock redeemed during period (in shares)	4,086.75
Preferred stock, par or stated value per share	$ 0.01	$ 0.01
Cash dividend declared per share (in usd per share)		2,157.65
Series E | Retained Earnings
Class of Stock [Line Items]
Amount ($)			$ 9	$ 11	$ 26	$ 28
Series F
Class of Stock [Line Items]
Shares outstanding (in shares)			5,000		5,000
Dividend Rate					5.625%
Carrying Amount			$ 494		$ 494		494
Cash dividend declared per share (in usd per share)			$ 1,406.25	$ 1,406.25	$ 4,218.75	$ 4,218.75
Series F | Retained Earnings
Class of Stock [Line Items]
Amount ($)			$ 7	$ 7	$ 21	$ 21
Series G
Class of Stock [Line Items]
Shares outstanding (in shares)			5,000		5,000
Dividend Rate					4.45%
Carrying Amount			$ 494		$ 494		494
Cash dividend declared per share (in usd per share)			$ 1,112.5	$ 1,112.5	$ 3,337.5	$ 3,337.5
Series G | Retained Earnings
Class of Stock [Line Items]
Amount ($)			$ 6	$ 5	$ 17	$ 17
Series H
Class of Stock [Line Items]
Shares outstanding (in shares)			500,000		500,000
Dividend Rate					4.50%
Carrying Amount			$ 486		$ 486		486
Cash dividend declared per share (in usd per share)			$ 11.25	$ 11.25	$ 33.75	$ 33.75
Series H | Retained Earnings
Class of Stock [Line Items]
Amount ($)			$ 5	$ 5	$ 17	$ 17
Series I
Class of Stock [Line Items]
Shares outstanding (in shares)			7,000		7,000
Dividend Rate					5.70%
Carrying Amount			$ 175		$ 175		175
Redemption price (per share)			$ 25,000		$ 25,000
Cash dividend declared per share (in usd per share)			$ 356.25	$ 356.25	$ 1,068.75	$ 1,068.75
Series I | Retained Earnings
Class of Stock [Line Items]
Amount ($)			$ 2	$ 2	$ 7	$ 7
Series J
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	$ 17.19	$ 51.57	$ 41.83
Series J | Retained Earnings
Class of Stock [Line Items]
Amount ($)			$ 6	$ 6	$ 17	$ 14
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
Depositary shares | Subsequent Event
Class of Stock [Line Items]
Stock redeemed during period (in shares)	408,675
Cash dividend declared per share (in usd per share)		$ 21.5765
Secured Overnight Financing Rate (SOFR) | Series B
Class of Stock [Line Items]
Preferred stock, variable rate basis spread			0.26%		0.26%
Secured Overnight Financing Rate (SOFR) | Series E
Class of Stock [Line Items]
Preferred stock, variable rate basis spread			0.26%		0.26%
London Interbank Offered Rate (LIBOR) | Series B
Class of Stock [Line Items]
Preferred stock, variable rate basis spread								2.70%
London Interbank Offered Rate (LIBOR) | Series E
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		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
Basic earnings per common share:
Net income attributable to Huntington	$ 517	$ 547	$ 1,410	$ 1,708
Dividends on preferred shares	36	37	107	106
Net income available to common shareholders, basic	481	510	1,303	1,602
Net income available to common shareholders, diluted	$ 481	$ 510	$ 1,303	$ 1,602
Average common shares issued and outstanding (in shares)	1,452,682	1,447,993	1,450,794	1,445,878
Basic earnings per common share (in usd per share)	$ 0.33	$ 0.35	$ 0.90	$ 1.11
Average dilutive potential common shares:
Stock options and restricted stock units and awards	17,061	12,183	16,622	14,670
Shares held in deferred compensation plans	7,239	7,435	7,443	6,989
Average dilutive potential common shares	24,300	19,618	24,065	21,659
Total diluted average common shares issued and outstanding (in shares)	1,476,982	1,467,611	1,474,859	1,467,537
Diluted earnings per common share (in usd per share)	$ 0.33	$ 0.35	$ 0.88	$ 1.09
Employee Stock Options
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Anti-dilutive awards (in shares)	4,253	11,736	7,002	11,188

REVENUE FROM CONTRACTS WITH C_3

REVENUE FROM CONTRACTS WITH CUSTOMERS - Summary of Noninterest Income (Details) - USD ($) $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
Revenue from Contract with Customer [Abstract]
Noninterest income from contracts with customers	$ 362	$ 338	$ 1,058	$ 1,047
Noninterest income within the scope of other GAAP topics	161	171	423	469
Total noninterest income	$ 523	$ 509	$ 1,481	$ 1,516

REVENUE FROM CONTRACTS WITH C_4

REVENUE FROM CONTRACTS WITH CUSTOMERS - Disaggregation by Segment (Details) $ in Millions	3 Months Ended		6 Months Ended	9 Months Ended
	Sep. 30, 2024 USD ($)	Sep. 30, 2023 USD ($)	Jun. 30, 2024 reporting_segment	Sep. 30, 2024 USD ($) reporting_segment	Sep. 30, 2023 USD ($)
Disaggregation of Revenue [Line Items]
Number of reporting segments | reporting_segment			2	2
Noninterest income from contracts with customers	$ 362	$ 338		$ 1,058	$ 1,047
Noninterest income within the scope of other GAAP topics	161	171		423	469
Noninterest income	523	509		1,481	1,516
Payments and cash management revenue
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	143	138		419	397
Wealth and asset management revenue
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	93	79		271	242
Customer deposit and loan fees
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	58	57		168	156
Capital markets fees
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	37	31		109	92
Leasing revenue
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	10	12		30	40
Insurance income
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	17	18		54	55
Other noninterest income
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	4	3		7	65
Operating Segments | Consumer & Regional Banking
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	283	267		828	829
Noninterest income within the scope of other GAAP topics	55	40		140	124
Noninterest income	338	307		968	953
Operating Segments | Consumer & Regional Banking | Payments and cash management revenue
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	114	112		335	321
Operating Segments | Consumer & Regional Banking | Wealth and asset management revenue
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	89	76		262	231
Operating Segments | Consumer & Regional Banking | Customer deposit and loan fees
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	57	55		160	152
Operating Segments | Consumer & Regional Banking | Capital markets fees
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	5	3		16	11
Operating Segments | Consumer & Regional Banking | Leasing revenue
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	1	0		2	1
Operating Segments | Consumer & Regional Banking | Insurance income
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	15	17		47	49
Operating Segments | Consumer & Regional Banking | Other noninterest income
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	2	4		6	64
Operating Segments | Commercial Banking
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	81	74		233	222
Noninterest income within the scope of other GAAP topics	100	82		257	257
Noninterest income	181	156		490	479
Operating Segments | Commercial Banking | Payments and cash management revenue
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	29	26		84	76
Operating Segments | Commercial Banking | Wealth and asset management revenue
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	4	3		9	11
Operating Segments | Commercial Banking | Customer deposit and loan fees
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	1	2		8	4
Operating Segments | Commercial Banking | Capital markets fees
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	32	29		93	82
Operating Segments | Commercial Banking | Leasing revenue
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	9	12		28	39
Operating Segments | Commercial Banking | Insurance income
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	3	2		8	7
Operating Segments | Commercial Banking | Other noninterest income
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	3	0		3	3
Treasury / Other
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	(2)	(3)		(3)	(4)
Noninterest income within the scope of other GAAP topics	6	49		26	88
Noninterest income	4	46		23	84
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	(1)		0	(1)
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	(1)	(1)		(1)	(1)
Treasury / Other | Other noninterest income
Disaggregation of Revenue [Line Items]
Noninterest income from contracts with customers	$ (1)	$ (1)		$ (2)	$ (2)

FAIR VALUES OF ASSETS AND LIA_3

FAIR VALUES OF ASSETS AND LIABILITIES - Recurring Basis (Details) - USD ($) $ in Millions		Sep. 30, 2024	Dec. 31, 2023
Assets measured at fair value on a recurring basis
Trading account securities		$ 472	$ 125
Available-for-sale securities, Fair Value		28,492	25,305
Loans held for sale		649	506
Loans Accounted for Under FVO		175	174
Gross amounts of recognized assets		1,363	1,723
Derivative assets netting		(888)	(1,330)
Net amounts of assets presented in the condensed consolidated balance sheets		475	393
Liabilities measured at fair value on a recurring basis
Long-term debt	[1]	15,656	12,394
Gross amounts of recognized liabilities		884	1,421
Gross amounts offset in the condensed consolidated balance sheets		(492)	(751)
Derivative liabilities		392	670
U.S. Treasury
Assets measured at fair value on a recurring basis
Available-for-sale securities, Fair Value		6,530	2,856
Other agencies
Assets measured at fair value on a recurring basis
Available-for-sale securities, Fair Value		136	155
Municipal securities
Assets measured at fair value on a recurring basis
Available-for-sale securities, Fair Value		3,648	3,373
Corporate debt
Assets measured at fair value on a recurring basis
Available-for-sale securities, Fair Value		2,071	2,043
Residential MBS
Assets measured at fair value on a recurring basis
Available-for-sale securities, Fair Value		10,785	11,382
Commercial MBS
Assets measured at fair value on a recurring basis
Available-for-sale securities, Fair Value		1,870	1,827
Private-label CMO
Assets measured at fair value on a recurring basis
Available-for-sale securities, Fair Value		114	119
Asset-backed securities
Assets measured at fair value on a recurring basis
Available-for-sale securities, Fair Value		306	356
Fair Value, Measurements, Recurring
Assets measured at fair value on a recurring basis
Trading account securities		472	125
Available-for-sale securities, Fair Value		28,492	25,305
Other securities		32	32
Loans held for sale		649	506
MSRs		515	515
Derivative assets netting		(888)	(1,330)
Net amounts of assets presented in the condensed consolidated balance sheets		475	393
Assets held in trust for deferred compensation plans		191	177
Liabilities measured at fair value on a recurring basis
Long-term debt		416
Gross amounts offset in the condensed consolidated balance sheets		(492)	(751)
Derivative liabilities		392	670
Fair Value, Measurements, Recurring | U.S. Treasury
Assets measured at fair value on a recurring basis
Trading account securities		427	91
Available-for-sale securities, Fair Value		6,530	2,856
Fair Value, Measurements, Recurring | Other agencies
Assets measured at fair value on a recurring basis
Trading account securities		1	2
Available-for-sale securities, Fair Value		136	155
Fair Value, Measurements, Recurring | Municipal securities
Assets measured at fair value on a recurring basis
Trading account securities		35	32
Available-for-sale securities, Fair Value		3,648	3,373
Fair Value, Measurements, Recurring | Corporate debt
Assets measured at fair value on a recurring basis
Trading account securities		9
Available-for-sale securities, Fair Value		2,071	2,043
Fair Value, Measurements, Recurring | Residential CMO
Assets measured at fair value on a recurring basis
Available-for-sale securities, Fair Value		3,022	3,184
Fair Value, Measurements, Recurring | Residential MBS
Assets measured at fair value on a recurring basis
Available-for-sale securities, Fair Value		10,785	11,382
Fair Value, Measurements, Recurring | Commercial MBS
Assets measured at fair value on a recurring basis
Available-for-sale securities, Fair Value		1,870	1,827
Fair Value, Measurements, Recurring | Private-label CMO
Assets measured at fair value on a recurring basis
Available-for-sale securities, Fair Value		114	119
Fair Value, Measurements, Recurring | Asset-backed securities
Assets measured at fair value on a recurring basis
Available-for-sale securities, Fair Value		306	356
Fair Value, Measurements, Recurring | Other securities
Assets measured at fair value on a recurring basis
Available-for-sale securities, Fair Value		10	10
Fair Value, Measurements, Recurring | Level 1
Assets measured at fair value on a recurring basis
Trading account securities		427	91
Available-for-sale securities, Fair Value		6,530	2,856
Other securities		31	30
Loans held for sale		0	0
Loans Accounted for Under FVO		0	0
MSRs		0	0
Gross amounts of recognized assets		0	0
Assets held in trust for deferred compensation plans		191	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		427	91
Available-for-sale securities, Fair Value		6,530	2,856
Fair Value, Measurements, Recurring | Level 1 | Other agencies
Assets measured at fair value on a recurring basis
Trading account securities		0	0
Available-for-sale securities, Fair Value		0	0
Fair Value, Measurements, Recurring | Level 1 | Municipal securities
Assets measured at fair value on a recurring basis
Trading account securities		0	0
Available-for-sale securities, Fair Value		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, Fair Value		0	0
Fair Value, Measurements, Recurring | Level 1 | Residential CMO
Assets measured at fair value on a recurring basis
Available-for-sale securities, Fair Value		0	0
Fair Value, Measurements, Recurring | Level 1 | Residential MBS
Assets measured at fair value on a recurring basis
Available-for-sale securities, Fair Value		0	0
Fair Value, Measurements, Recurring | Level 1 | Commercial MBS
Assets measured at fair value on a recurring basis
Available-for-sale securities, Fair Value		0	0
Fair Value, Measurements, Recurring | Level 1 | Private-label CMO
Assets measured at fair value on a recurring basis
Available-for-sale securities, Fair Value		0	0
Fair Value, Measurements, Recurring | Level 1 | Asset-backed securities
Assets measured at fair value on a recurring basis
Available-for-sale securities, Fair Value		0	0
Fair Value, Measurements, Recurring | Level 1 | Other securities
Assets measured at fair value on a recurring basis
Available-for-sale securities, Fair Value		0	0
Fair Value, Measurements, Recurring | Level 2
Assets measured at fair value on a recurring basis
Trading account securities		45	34
Available-for-sale securities, Fair Value		18,295	19,019
Other securities		1	2
Loans held for sale		649	506
Loans Accounted for Under FVO		115	120
MSRs		0	0
Gross amounts of recognized assets		1,358	1,720
Assets held in trust for deferred compensation plans		0	0
Liabilities measured at fair value on a recurring basis
Long-term debt		416
Gross amounts of recognized liabilities		870	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, Fair Value		0	0
Fair Value, Measurements, Recurring | Level 2 | Other agencies
Assets measured at fair value on a recurring basis
Trading account securities		1	2
Available-for-sale securities, Fair Value		136	155
Fair Value, Measurements, Recurring | Level 2 | Municipal securities
Assets measured at fair value on a recurring basis
Trading account securities		35	32
Available-for-sale securities, Fair Value		37	38
Fair Value, Measurements, Recurring | Level 2 | Corporate debt
Assets measured at fair value on a recurring basis
Trading account securities		9
Available-for-sale securities, Fair Value		2,071	2,043
Fair Value, Measurements, Recurring | Level 2 | Residential CMO
Assets measured at fair value on a recurring basis
Available-for-sale securities, Fair Value		3,022	3,184
Fair Value, Measurements, Recurring | Level 2 | Residential MBS
Assets measured at fair value on a recurring basis
Available-for-sale securities, Fair Value		10,785	11,382
Fair Value, Measurements, Recurring | Level 2 | Commercial MBS
Assets measured at fair value on a recurring basis
Available-for-sale securities, Fair Value		1,870	1,827
Fair Value, Measurements, Recurring | Level 2 | Private-label CMO
Assets measured at fair value on a recurring basis
Available-for-sale securities, Fair Value		92	99
Fair Value, Measurements, Recurring | Level 2 | Asset-backed securities
Assets measured at fair value on a recurring basis
Available-for-sale securities, Fair Value		272	281
Fair Value, Measurements, Recurring | Level 2 | Other securities
Assets measured at fair value on a recurring basis
Available-for-sale securities, Fair Value		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, Fair Value		3,667	3,430
Other securities		0	0
Loans held for sale		0	0
Loans Accounted for Under FVO		60	54
MSRs		515	515
Gross amounts of recognized assets		5	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		14	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, Fair Value		0	0
Fair Value, Measurements, Recurring | Level 3 | Other agencies
Assets measured at fair value on a recurring basis
Trading account securities		0	0
Available-for-sale securities, Fair Value		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, Fair Value		3,611	3,335
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, Fair Value		0	0
Fair Value, Measurements, Recurring | Level 3 | Residential CMO
Assets measured at fair value on a recurring basis
Available-for-sale securities, Fair Value		0	0
Fair Value, Measurements, Recurring | Level 3 | Residential MBS
Assets measured at fair value on a recurring basis
Available-for-sale securities, Fair Value		0	0
Fair Value, Measurements, Recurring | Level 3 | Commercial MBS
Assets measured at fair value on a recurring basis
Available-for-sale securities, Fair Value		0	0
Fair Value, Measurements, Recurring | Level 3 | Private-label CMO
Assets measured at fair value on a recurring basis
Available-for-sale securities, Fair Value		22	20
Fair Value, Measurements, Recurring | Level 3 | Asset-backed securities
Assets measured at fair value on a recurring basis
Available-for-sale securities, Fair Value		34	75
Fair Value, Measurements, Recurring | Level 3 | Other securities
Assets measured at fair value on a recurring basis
Available-for-sale securities, Fair Value		$ 0	$ 0
[1] Includes VIE balances in net loans and leases and long-term debt of $1.3 billion and $1.1 billion, respectively, at September 30, 2024, and VIE balances in other assets of $267 million and $82 million, and other liabilities of $121 million and $57 million, at September 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		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023	Jun. 30, 2024	Dec. 31, 2023	Jun. 30, 2023	Dec. 31, 2022
Assets Level 3 Roll Forward:
Transfers into Level 3			$ 0
Transfers out of Level 3			(19)
Total gains/losses for the period:
Repayments			0
Derivative instruments
Opening balance	$ (9)	$ (1)	(9)	$ (1)	$ 1	$ (2)	$ (2)	$ (2)
Transfers into Level 3	0	0		0
Transfers out of Level 3	(8)	(8)		(18)
Included in OCI	0	0	0	0
Purchases/originations	0	0	0	0
Repayments	0	0
Settlements	4	0	15	0
Closing balance	(9)	(1)	(9)	(1)
Change in unrealized gains or losses for the period included in earnings for assets held at end of the reporting date	2	(3)	2	1
Mortgage banking income
Derivative instruments
Included in earnings:	10	9	21	19
Other noninterest income
Derivative instruments
Included in earnings:	(16)		(24)
Interest and fee income
Derivative instruments
Included in earnings:		0	0	0
Provision for credit losses
Derivative instruments
Included in earnings:			0
MSRs
Assets Level 3 Roll Forward:
Opening balance	543	505	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 OCI	0	0	0	0
Purchases/originations	12	18	33	49
Repayments	0	0	0
Settlements	(15)	(13)	(40)	(36)
Closing balance	515	547	515	547	543	515	505	494
Change in unrealized gains or losses for the period included in earnings for assets held at end of the reporting date	(25)	37	7	40
MSRs | Mortgage banking income
Total gains/losses for the period:
Included in earnings:	(25)	37	7	40
MSRs | Other noninterest income
Total gains/losses for the period:
Included in earnings:	0		0
MSRs | Interest and fee income
Total gains/losses for the period:
Included in earnings:		0	0	0
MSRs | Provision for credit losses
Total gains/losses for the period:
Included in earnings:			0
Municipal securities
Assets Level 3 Roll Forward:
Opening balance	3,341	3,496	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 OCI	70	17	56	13
Purchases/originations	390	160	690	715
Repayments	0	0	0
Settlements	(190)	(234)	(467)	(537)
Closing balance	3,611	3,437	3,611	3,437	3,341	3,335	3,496	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	68	12	52	2
Municipal securities | Mortgage banking income
Total gains/losses for the period:
Included in earnings:	0	0	0	0
Municipal securities | Other noninterest income
Total gains/losses for the period:
Included in earnings:	0		0
Municipal securities | Interest and fee income
Total gains/losses for the period:
Included in earnings:		(2)	(1)	(2)
Municipal securities | Provision for credit losses
Total gains/losses for the period:
Included in earnings:			(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 OCI	0	0	0	0
Purchases/originations	0	0	0	1
Repayments	0	0	0
Settlements	2	0	3	0
Closing balance	22	20	22	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	0
Private-label CMO | Other noninterest income
Total gains/losses for the period:
Included in earnings:	0		0
Private-label CMO | Interest and fee income
Total gains/losses for the period:
Included in earnings:		0	(1)	(1)
Private-label CMO | Provision for credit losses
Total gains/losses for the period:
Included in earnings:			0
Asset-backed securities
Assets Level 3 Roll Forward:
Opening balance	35	75	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 OCI	0	0	0	1
Purchases/originations	0	0	0	0
Repayments	0	0	0
Settlements	(1)	0	(41)	0
Closing balance	34	75	34	75	35	75	75	74
Change in unrealized gains or losses for the period included in other comprehensive income for assets held at the end of the reporting period	0	0	0	0
Asset-backed securities | Mortgage banking income
Total gains/losses for the period:
Included in earnings:	0	0	0	0
Asset-backed securities | Other noninterest income
Total gains/losses for the period:
Included in earnings:	0		0
Asset-backed securities | Interest and fee income
Total gains/losses for the period:
Included in earnings:		0	0	0
Asset-backed securities | Provision for credit losses
Total gains/losses for the period:
Included in earnings:			0
Loans held for investment
Assets Level 3 Roll Forward:
Opening balance	60	33	54	16
Transfers into Level 3	3	21	11	40
Transfers out of Level 3	0	0	0	0
Total gains/losses for the period:
Included in OCI	0	0	0	0
Purchases/originations	0	0	0	0
Repayments	(3)	2	(4)
Settlements	0	0	0	0
Closing balance	60	53	60	53	$ 60	$ 54	$ 33	$ 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	0
Loans held for investment | Other noninterest income
Total gains/losses for the period:
Included in earnings:	$ 0		0
Loans held for investment | Interest and fee income
Total gains/losses for the period:
Included in earnings:		$ (3)	(1)	$ (3)
Loans held for investment | Provision for credit losses
Total gains/losses for the period:
Included in earnings:			$ 0

FAIR VALUES OF ASSETS AND LIA_5

FAIR VALUES OF ASSETS AND LIABILITIES - Fair Value Option (Details) - USD ($) $ in Millions	Sep. 30, 2024	Dec. 31, 2023
Fair Value, Option, Quantitative Disclosures [Line Items]
Loans held for sale, fair value	$ 649	$ 506
Loans and leases, fair value	175	174
Long-term debt, fair value	416	0
Fair Value, Measurements, Recurring
Fair Value, Option, Quantitative Disclosures [Line Items]
Loans held for sale, fair value	649	506
Long-term debt, fair value	416
Long-term debt, aggregate unpaid principal	411
Difference	(5)
Fair Value, Measurements, Recurring | Loans held for sale
Fair Value, Option, Quantitative Disclosures [Line Items]
Loans held for sale, fair value	649	506
Loans held for sale, aggregate unpaid principal	630	489
Difference	19	17
Fair Value, Measurements, Recurring | Loans held for investment
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 | Loans held for sale
Fair Value, Option, Quantitative Disclosures [Line Items]
Loans held for sale, fair value	0	0
Loans held for sale, aggregate unpaid principal	0	0
Difference	0	0
Fair Value, Measurements, Recurring | 90 or  more days | Loans held for investment
Fair Value, Option, Quantitative Disclosures [Line Items]
Loans and leases, fair value	3	2
Loans held for investment, aggregate unpaid principal	4	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		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
Fair Value, Measurements, Recurring
Fair Value, Option, Quantitative Disclosures [Line Items]
Net gains (losses) from fair value changes	$ 5	$ (4)	$ 2	$ (4)
Loans held for investment | Fair Value, Measurements, Recurring
Fair Value, Option, Quantitative Disclosures [Line Items]
Net gains (losses) from fair value changes	0	(2)	(1)	(5)
Long-term debt | Fair Value, Measurements, Recurring
Fair Value, Option, Quantitative Disclosures [Line Items]
Net gains (losses) from fair value changes	$ (3)	$ 0	$ (5)	$ 0

FAIR VALUES OF ASSETS AND LIA_7

FAIR VALUES OF ASSETS AND LIABILITIES - Non-Recurring Basis (Details) - USD ($) $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023	Dec. 31, 2023
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans held for sale	$ 649		$ 649		$ 506
Nonrecurring Basis | Total Gains/(Losses)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Collateral-dependent loans, gains (losses)	(4)	$ (6)	(45)	$ (13)
Nonrecurring Basis | Level 3 | Fair Value
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Collateral-dependent loans	$ 162		$ 162		$ 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	Sep. 30, 2024	Dec. 31, 2023
Residential MBS | Minimum | Constant prepayment rate
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Servicing asset, measurement input	0.07	0.04
Residential MBS | Minimum | Spread over forward interest rate swap rates
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Servicing asset, measurement input	0.05	0.05
Residential MBS | Maximum | Constant prepayment rate
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Servicing asset, measurement input	0.41	0.37
Residential MBS | Maximum | Spread over forward interest rate swap rates
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Servicing asset, measurement input	0.10	0.13
Residential MBS | Weighted Average | Constant prepayment rate
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Servicing asset, measurement input	0.09	0.09
Residential MBS | Weighted Average | Spread over forward interest rate swap rates
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Servicing asset, measurement input	0.06	0.05
Corporate debt | Loss given default
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Debt securities, available-for-sale, measurement input	0.20	0.20
Corporate debt | Minimum | Discount rate
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Debt securities, available-for-sale, measurement input	0.04	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	0.05	0.06
Corporate debt | Maximum | Cumulative default
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Debt securities, available-for-sale, measurement input	0.39	0.64
Corporate debt | Weighted Average | Discount rate
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Debt securities, available-for-sale, measurement input	0.04	0.05
Corporate debt | Weighted Average | Cumulative default
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Debt securities, available-for-sale, measurement input	0.05	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		Sep. 30, 2024	Dec. 31, 2023
Financial Assets
Available-for-sale securities, Fair Value		$ 28,492	$ 25,305
Held-to-maturity securities		15,670	15,750
Loans held for sale		655	516
Net loans and leases	[1]	124,152	119,727
Derivative assets, gross		1,363	1,723
Derivative assets, netting adjustments		(888)	(1,330)
Derivative assets, net		475	393
Financial Liabilities
Total deposits		158,351	151,230
Short-term borrowings		868	620
Long-term debt	[1]	15,656	12,394
Derivative liabilities, gross		884	1,421
Derivative liabilities, netting adjustments		(492)	(751)
Derivative liabilities, net		392	670
Time deposits in excess of the FDIC insurance coverage limit		1,500	1,400
Reported Value Measurement
Financial Assets
Cash and short-term assets		12,840	10,323
Trading account securities		472	125
Available-for-sale securities, Fair Value		28,492	25,305
Held-to-maturity securities		15,670	15,750
Other securities		826	725
Loans held for sale		655	516
Net loans and leases		124,152	119,727
Derivative assets, net		475	393
Assets held in trust for deferred compensation plans		191	177
Financial Liabilities
Total deposits		158,351	151,230
Short-term borrowings		868	620
Long-term debt		15,656	12,394
Derivative liabilities, net		392	670
Estimate of Fair Value Measurement
Financial Assets
Cash and short-term assets		12,840	10,323
Trading account securities		472	125
Available-for-sale securities, Fair Value		28,492	25,305
Held-to-maturity securities		13,933	13,718
Other securities		826	725
Other securities only measured at fair value		32	32
Loans held for sale		655	516
Net loans and leases		122,872	116,781
Derivative assets, net		475	393
Assets held in trust for deferred compensation plans		191	177
Financial Liabilities
Total deposits		158,344	151,183
Short-term borrowings		868	620
Long-term debt		15,819	12,276
Derivative liabilities, net		392	670
Estimate of Fair Value Measurement | Level 1
Financial Assets
Trading account securities		427	91
Available-for-sale securities, Fair Value		6,530	2,856
Held-to-maturity securities		997	0
Other securities only measured at fair value		31	30
Loans held for sale		0	0
Net loans and leases		0	0
Financial Liabilities
Total deposits		0	0
Short-term borrowings		0	0
Long-term debt		0	0
Estimate of Fair Value Measurement | Level 2
Financial Assets
Trading account securities		45	34
Available-for-sale securities, Fair Value		18,295	19,019
Held-to-maturity securities		12,936	13,718
Other securities only measured at fair value		1	2
Loans held for sale		649	506
Net loans and leases		115	120
Derivative assets, gross		1,358	1,720
Financial Liabilities
Total deposits		141,391	135,627
Short-term borrowings		868	620
Long-term debt		10,425	8,929
Derivative liabilities, gross		870	1,416
Estimate of Fair Value Measurement | Level 3
Financial Assets
Trading account securities		0	0
Available-for-sale securities, Fair Value		3,667	3,430
Held-to-maturity securities		0	0
Other securities only measured at fair value		0	0
Loans held for sale		6	10
Net loans and leases		122,757	116,661
Derivative assets, gross		5	3
Derivative assets, netting adjustments		(888)	(1,330)
Financial Liabilities
Total deposits		16,953	15,556
Short-term borrowings		0	0
Long-term debt		5,394	3,347
Derivative liabilities, gross		14	5
Derivative liabilities, netting adjustments		(492)	(751)
Fair Value, Recurring
Financial Assets
Available-for-sale securities, Fair Value		28,492	25,305
Derivative assets, netting adjustments		(888)	(1,330)
Derivative assets, net		475	393
Financial Liabilities
Long-term debt		416
Derivative liabilities, netting adjustments		(492)	(751)
Derivative liabilities, net		392	670
Fair Value, Recurring | Level 1
Financial Assets
Available-for-sale securities, Fair Value		6,530	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
Available-for-sale securities, Fair Value		18,295	19,019
Derivative assets, gross		1,358	1,720
Financial Liabilities
Long-term debt		416
Derivative liabilities, gross		870	1,416
Fair Value, Recurring | Level 3
Financial Assets
Available-for-sale securities, Fair Value		3,667	3,430
Derivative assets, gross		5	3
Financial Liabilities
Long-term debt		0
Derivative liabilities, gross		14	5
Other securities | Fair Value, Recurring
Financial Assets
Available-for-sale securities, Fair Value		10	10
Other securities | Fair Value, Recurring | Level 1
Financial Assets
Available-for-sale securities, Fair Value		0	0
Other securities | Fair Value, Recurring | Level 2
Financial Assets
Available-for-sale securities, Fair Value		10	10
Other securities | Fair Value, Recurring | Level 3
Financial Assets
Available-for-sale securities, Fair Value		0	0
Amortized Cost | Reported Value Measurement
Financial Assets
Cash and short-term assets		12,840	10,323
Held-to-maturity securities		15,670	15,750
Other securities		794	693
Net loans and leases		123,977	119,553
Financial Liabilities
Total deposits		158,351	151,230
Short-term borrowings		868	620
Long-term debt		15,240	12,394
Fair Value or Fair Value Option | Reported Value Measurement
Financial Assets
Trading account securities		472	125
Available-for-sale securities, Fair Value		28,492	25,305
Other securities		32	32
Loans held for sale		649	506
Net loans and leases		175	174
Derivative assets, net		475	393
Assets held in trust for deferred compensation plans		191	177
Financial Liabilities
Long-term debt		416
Derivative liabilities, net		392	670
Lower of Cost or Market | Reported Value Measurement
Financial Assets
Loans held for sale		$ 6	$ 10
[1] Includes VIE balances in net loans and leases and long-term debt of $1.3 billion and $1.1 billion, respectively, at September 30, 2024, and VIE balances in other assets of $267 million and $82 million, and other liabilities of $121 million and $57 million, at September 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	Sep. 30, 2024	Dec. 31, 2023
Derivatives, Fair Value [Line Items]
Notional Value	$ 43,827	$ 38,192
Asset derivatives included in accrued income and other assets
Total contracts	1,363	1,723
Liability derivatives included in accrued expenses and other liabilities
Total contracts	884	1,421
Accrued income and other assets
Asset derivatives included in accrued income and other assets
Total contracts	1,363	1,723
Accrued expenses and other liabilities
Liability derivatives included in accrued expenses and other liabilities
Total contracts	884	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	747	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	277	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	0	0
Credit contracts | Accrued expenses and other liabilities
Liability derivatives included in accrued expenses and other liabilities
Derivative credit and equity contracts not designated as hedging instruments, liability	1	2
Derivatives designated as Hedging Instruments | Interest rate contracts | Accrued income and other assets
Derivatives, Fair Value [Line Items]
Notional Value	43,652	38,017
Derivatives designated as Hedging Instruments | Foreign exchange contracts | Accrued income and other assets
Derivatives, Fair Value [Line Items]
Notional Value	243	222
Derivatives not designated as Hedging Instruments | Accrued income and other assets
Derivatives, Fair Value [Line Items]
Notional Value	94,585	86,843
Derivatives not designated as Hedging Instruments | Interest rate contracts | Accrued income and other assets
Derivatives, Fair Value [Line Items]
Notional Value	43,841	41,526
Asset derivatives included in accrued income and other assets
Interest rate contracts not designated as hedging instruments	519	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	508	757
Derivatives not designated as Hedging Instruments | Foreign exchange contracts | Accrued income and other assets
Derivatives, Fair Value [Line Items]
Notional Value	5,119	5,257
Asset derivatives included in accrued income and other assets
Foreign exchange contracts not designated as hedging instruments	50	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	51	76
Derivatives not designated as Hedging Instruments | Commodities contracts | Accrued income and other assets
Derivatives, Fair Value [Line Items]
Notional Value	685	681
Asset derivatives included in accrued income and other assets
Commodities contracts not designated as hedging instruments	37	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	34	60
Derivatives not designated as Hedging Instruments | Equity contracts | Accrued income and other assets
Derivatives, Fair Value [Line Items]
Notional Value	767	759
Asset derivatives included in accrued income and other assets
Derivative instruments not designated as hedging instruments, asset	9	0
Derivatives not designated as Hedging Instruments | Equity contracts | Accrued expenses and other liabilities
Liability derivatives included in accrued expenses and other liabilities
Derivative credit and equity contracts not designated as hedging instruments, liability	13	7
Derivatives not designated as Hedging Instruments | Credit contracts | Accrued income and other assets
Derivatives, Fair Value [Line Items]
Notional Value	$ 278	$ 381

DERIVATIVE FINANCIAL INSTRUME_4

DERIVATIVE FINANCIAL INSTRUMENTS - Gain (Loss) (Details) - Derivatives not designated as Hedging Instruments - Fair Value Hedges - USD ($) $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
Derivative Instruments, Gain (Loss) [Line Items]
Amount of Gain or (Loss) Recognized in Income on Derivative	$ 38	$ 10	$ 38	$ 76
Interest rate contracts | Capital markets fees
Derivative Instruments, Gain (Loss) [Line Items]
Amount of Gain or (Loss) Recognized in Income on Derivative	17	6	28	23
Interest rate contracts | Mortgage banking income
Derivative Instruments, Gain (Loss) [Line Items]
Amount of Gain or (Loss) Recognized in Income on Derivative	28	(37)	5	(28)
Interest rate swaptions | Other noninterest income
Derivative Instruments, Gain (Loss) [Line Items]
Amount of Gain or (Loss) Recognized in Income on Derivative	0	33	0	50
Foreign exchange contracts | Capital markets fees
Derivative Instruments, Gain (Loss) [Line Items]
Amount of Gain or (Loss) Recognized in Income on Derivative	11	9	33	34
Credit contracts | Other noninterest income
Derivative Instruments, Gain (Loss) [Line Items]
Amount of Gain or (Loss) Recognized in Income on Derivative	(6)	0	(14)	0
Commodities contracts | Capital markets fees
Derivative Instruments, Gain (Loss) [Line Items]
Amount of Gain or (Loss) Recognized in Income on Derivative	1	1	3	4
Equity contracts | Other noninterest income and other noninterest expense
Derivative Instruments, Gain (Loss) [Line Items]
Amount of Gain or (Loss) Recognized in Income on Derivative	$ (13)	$ (2)	$ (17)	$ (7)

DERIVATIVE FINANCIAL INSTRUME_5

DERIVATIVE FINANCIAL INSTRUMENTS - Asset and Liability Management (Details) - USD ($) $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023	Dec. 31, 2023
Notional Disclosures [Abstract]
Notional Value	$ 43,827		$ 43,827		$ 38,192
Increase (decrease) to net interest income due to derivative adjustment	(57)	$ (62)	(195)	$ (178)
Not Designated as Hedging Instrument, Economic Hedge
Notional Disclosures [Abstract]
Notional Value	175		175		175
Fair Value Hedges | Derivatives designated as Hedging Instruments
Notional Disclosures [Abstract]
Notional Value	22,852		22,852		21,342
Cash Flow Hedges | Derivatives designated as Hedging Instruments
Notional Disclosures [Abstract]
Notional Value	20,800		20,800		16,675
Investment securities
Notional Disclosures [Abstract]
Notional Value	11,639		11,639		11,649
Investment securities | Not Designated as Hedging Instrument, Economic Hedge
Notional Disclosures [Abstract]
Notional Value	0		0		0
Investment securities | Fair Value Hedges | Derivatives designated as Hedging Instruments
Notional Disclosures [Abstract]
Notional Value	11,639		11,639		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	20,975		20,975		16,850
Loans | Not Designated as Hedging Instrument, Economic Hedge
Notional Disclosures [Abstract]
Notional Value	175		175		175
Loans | Fair Value Hedges | 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	20,800		20,800		16,675
Long-term debt
Notional Disclosures [Abstract]
Notional Value	11,213		11,213		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 Hedges | Derivatives designated as Hedging Instruments
Notional Disclosures [Abstract]
Notional Value	11,213		11,213		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		9 Months Ended		12 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023	Dec. 31, 2023
Derivative Instruments, Gain (Loss) [Line Items]
Cumulative basis adjustments associated with hedging relationships	$ 377		$ 377		$ 619
Fair value hedging adjustments			(60)		(69)
Investment Securities
Derivative Instruments, Gain (Loss) [Line Items]
Amortized Cost	17,327		17,327		18,241
Cumulative Amount of Fair Value Hedging Adjustment To Hedged Items	(439)		(439)		(698)
Amortized cost basis of the closed portfolios used in hedging relationships	16,700		16,700
Cumulative basis adjustments associated with hedging relationships	(377)		(377)
Designated hedged items	11,000		11,000
Interest Rate Swap
Derivative Instruments, Gain (Loss) [Line Items]
Designated hedged items	652		652
Subordinated notes
Derivative Instruments, Gain (Loss) [Line Items]
Amortized Cost	11,165		11,165		9,909
Cumulative Amount of Fair Value Hedging Adjustment To Hedged Items	28		28		$ (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	(295)	$ 88	(263)	$ 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	293	(87)	259	(45)
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	301	(87)	142	(109)
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	$ (302)	$ 87	$ (143)	$ 109

DERIVATIVE FINANCIAL INSTRUME_7

DERIVATIVE FINANCIAL INSTRUMENTS - Cash Flow Hedges and Economic Hedges (Details) - USD ($) $ in Millions	9 Months Ended
	Sep. 30, 2024	Dec. 31, 2023
Derivative Instruments, Gain (Loss) [Line Items]
Notional Value	$ 43,827	$ 38,192
Net losses recognized in AOCI expected to be reclassed	(85)
Loans
Derivative Instruments, Gain (Loss) [Line Items]
Notional Value	$ 20,975	$ 16,850

DERIVATIVE FINANCIAL INSTRUME_8

DERIVATIVE FINANCIAL INSTRUMENTS - MSR Hedging Activities (Details) - USD ($) $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023	Dec. 31, 2023
Derivative Instruments and Hedging Activities Disclosures [Line Items]
Remaining maturity	1 year		1 year
Notional Value	$ 43,827		$ 43,827		$ 38,192
Derivative used in Mortgage Banking Activities
Derivative Instruments and Hedging Activities Disclosures [Line Items]
Derivative, fair value, net	5		5		(4)
Notional Value	2,195		2,195		1,668
Trading liabilities	(36)		(36)		(69)
Trading (losses) gains	26	$ (37)	(3)	$ (43)
Commitments to sell loans
Derivative Instruments and Hedging Activities Disclosures [Line Items]
Commitments to sell residential real estate loans	$ 1,000		$ 1,000		$ 674

DERIVATIVE FINANCIAL INSTRUME_9

DERIVATIVE FINANCIAL INSTRUMENTS - Derivatives Used in Customer Related Activities (Details) - USD ($) $ in Millions	Sep. 30, 2024	Dec. 31, 2023
Derivative [Line Items]
Credit risks from interest rate swaps used for trading purposes	$ 141	$ 122
Derivative used in trading activity
Derivative [Line Items]
Net derivative asset (liability)	55	47
Derivative financial instruments used by Huntington on behalf of customers including offsetting derivatives, notional value	$ 45,500	$ 44,500

DERIVATIVE FINANCIAL INSTRUM_10

DERIVATIVE FINANCIAL INSTRUMENTS - Financial Assets and Liabilities that are Offset (Details) $ in Millions	9 Months Ended
	Sep. 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	$ 319	$ 238
Investment securities and cash collateral pledged by Huntington	172
Investment securities and cash collateral pledged to Huntington	$ 446

DERIVATIVE FINANCIAL INSTRUM_11

DERIVATIVE FINANCIAL INSTRUMENTS - Offsetting Assets (Details) - USD ($) $ in Millions	Sep. 30, 2024	Dec. 31, 2023
Offsetting Derivative Assets [Abstract]
Gross amounts of recognized assets	$ 1,363	$ 1,723
Gross amounts offset in the condensed consolidated balance sheets	888	1,330
Net amounts of assets presented in the condensed consolidated balance sheets	475	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	(19)	(4)
Net amount	$ 456	$ 344

DERIVATIVE FINANCIAL INSTRUM_12

DERIVATIVE FINANCIAL INSTRUMENTS - Offsetting Liabilities (Details) - USD ($) $ in Millions	Sep. 30, 2024	Dec. 31, 2023
Offsetting Derivative Liabilities [Abstract]
Gross amounts of recognized liabilities	$ 884	$ 1,421
Gross amounts offset in the condensed consolidated balance sheets	(492)	(751)
Derivative liabilities	392	670
Gross amounts not offset in the condensed consolidated balance sheets, Financial instruments	(70)	0
Gross amounts not offset in the condensed consolidated balance sheets, Cash collateral received	(82)	(93)
Net amount	$ 240	$ 577

VARIABLE INTEREST ENTITIES - Co

VARIABLE INTEREST ENTITIES - Consolidated (Details) - USD ($) $ in Millions		Sep. 30, 2024	Dec. 31, 2023
Assets
Net loans and leases	[1]	$ 124,152	$ 119,727
Other assets	[1]	5,726	5,150
Total assets		200,535	189,368
Liabilities
Long-term debt	[1]	15,656	12,394
Other liabilities	[1]	5,008	5,726
Total liabilities		179,883	169,970
Consolidated VIE
Assets
Net loans and leases		1,252	0
Other assets		267	82
Total assets		1,519	82
Liabilities
Long-term debt		1,142	0
Other liabilities		121	57
Total liabilities		$ 1,263	$ 57
[1] Includes VIE balances in net loans and leases and long-term debt of $1.3 billion and $1.1 billion, respectively, at September 30, 2024, and VIE balances in other assets of $267 million and $82 million, and other liabilities of $121 million and $57 million, at September 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	Sep. 30, 2024	Dec. 31, 2023
Variable Interest Entity [Line Items]
Total Assets	$ 200,535	$ 189,368
Total Liabilities	179,883	169,970
Variable Interest Entity
Variable Interest Entity [Line Items]
Total Assets	3,179	3,205
Total Liabilities	1,461	1,667
Maximum Exposure to Loss	3,165	3,191
Affordable Housing Tax Credit Partnerships | Variable Interest Entity
Variable Interest Entity [Line Items]
Total Assets	2,269	2,297
Total Liabilities	1,040	1,279
Maximum Exposure to Loss	2,269	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	896	894
Total Liabilities	173	140
Maximum Exposure to Loss	$ 896	$ 894

VARIABLE INTEREST ENTITIES - Na

VARIABLE INTEREST ENTITIES - Narrative (Details) - USD ($)	3 Months Ended		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 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		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023	Dec. 31, 2023
Affordable Housing Tax Credit Partnerships
Variable Interest Entity [Line Items]
Affordable housing tax credit investments	$ 3,491		$ 3,491		$ 3,335
Less: amortization	(1,222)		(1,222)		(1,038)
Net affordable housing tax credit investments	2,269		2,269		2,297
Unfunded commitments	1,040		1,040		$ 1,279
Tax credits and other tax benefits recognized	78	$ 66	230	$ 197
Proportional Amortization Method
Variable Interest Entity [Line Items]
Proportional amortization expense included in provision for income taxes	$ 63	$ 55	$ 189	$ 164

COMMITMENTS AND CONTINGENT LI_3

COMMITMENTS AND CONTINGENT LIABILITIES - Commitments to Extend Credit (Details) - USD ($) $ in Millions	Sep. 30, 2024	Dec. 31, 2023
Commercial and industrial
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Contract amount represents credit risk	$ 35,731	$ 32,344
Consumer loan portfolio
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Contract amount represents credit risk	19,983	19,270
Commercial real estate
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Contract amount represents credit risk	1,865	2,543
Standby letters of credit and guarantees on industrial revenue bonds
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Contract amount represents credit risk	743	814
Commercial | Commercial letters of credit
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Contract amount represents credit risk	$ 24	$ 9

COMMITMENTS AND CONTINGENT LI_4

COMMITMENTS AND CONTINGENT LIABILITIES - Narrative (Details) - USD ($) $ in Millions	9 Months Ended
	Sep. 30, 2024	Dec. 31, 2023
Loss Contingencies [Line Items]
Bond expiration period	2 years
Maximum amount guaranteed	$ 201	$ 79
Standby letters of credit and guarantees on industrial revenue bonds
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	$ 15

SEGMENT REPORTING (Details)

SEGMENT REPORTING (Details) $ in Millions	3 Months Ended		6 Months Ended	9 Months Ended
	Sep. 30, 2024 USD ($)	Sep. 30, 2023 USD ($)	Jun. 30, 2024 reporting_segment	Sep. 30, 2024 USD ($) reporting_segment	Sep. 30, 2023 USD ($)	Dec. 31, 2023 USD ($)
Segment Reporting Information [Line Items]
Number of reporting segments | reporting_segment			2	2
Net interest income (loss)	$ 1,351	$ 1,368		$ 3,950	$ 4,123
Provision for credit losses	106	99		313	276
Noninterest income	523	509		1,481	1,516
Noninterest expense	1,130	1,090		3,384	3,226
Provision (benefit) for income taxes	116	136		308	414
Income attributable to non-controlling interest	5	5		16	15
Net income attributable to Huntington	517	547		1,410	1,708
Total Assets	200,535			200,535		$ 189,368
Total deposits	158,351			158,351		151,230
Operating Segments | Consumer & Business Banking
Segment Reporting Information [Line Items]
Net interest income (loss)	1,050	941		3,013	2,745
Provision for credit losses	105	82		227	192
Noninterest income	338	307		968	953
Noninterest expense	799	764		2,364	2,283
Provision (benefit) for income taxes	102	84		292	257
Income attributable to non-controlling interest	0	0		0	0
Net income attributable to Huntington	382	318		1,098	966
Total Assets	76,804			76,804		73,082
Total deposits	110,107			110,107		110,157
Operating Segments | Commercial Banking
Segment Reporting Information [Line Items]
Net interest income (loss)	529	549		1,579	1,637
Provision for credit losses	1	17		86	84
Noninterest income	181	156		490	479
Noninterest expense	289	278		883	830
Provision (benefit) for income taxes	88	86		231	252
Income attributable to non-controlling interest	5	5		16	15
Net income attributable to Huntington	327	319		853	935
Total Assets	64,583			64,583		63,377
Total deposits	42,064			42,064		35,466
Treasury / Other
Segment Reporting Information [Line Items]
Net interest income (loss)	(228)	(122)		(642)	(259)
Provision for credit losses	0	0		0	0
Noninterest income	4	46		23	84
Noninterest expense	42	48		137	113
Provision (benefit) for income taxes	(74)	(34)		(215)	(95)
Income attributable to non-controlling interest	0	0		0	0
Net income attributable to Huntington	(192)	$ (90)		(541)	$ (193)
Total Assets	59,148			59,148		52,909
Total deposits	$ 6,180			$ 6,180		$ 5,607