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SEGMENT REPORTING (Tables) | 9 Months Ended
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Sep. 30, 2025
Segment Reporting [Abstract] |
Schedule of Segment Reporting Information, by Segment | The following tables present certain operating basis financial information for each reportable business segment reconciled to Huntington’s consolidated financial results.
| Consumer & Regional Banking |  | Commercial Banking |  | Treasury / Other |  | Huntington Consolidated
(dollar amounts in millions) |  |  |
Three months ended September 30, 2025 |  |  |  |  |  |  |
Net interest income (loss) | $ | 1,061 |  |  | $ | 538 |  |  | $ | (93) |  |  | $ | 1,506 |
Provision for credit losses | 121 |  |  | 1 |  |  | — |  |  | 122 |
Net interest income (loss) after provision (benefit) for credit losses | 940 |  |  | 537 |  |  | (93) |  |  | 1,384 |
Noninterest income | 393 |  |  | 218 |  |  | 17 |  |  | 628 |
Noninterest expense: |  |  |  |  |  |  |
Direct personnel costs | 308 |  |  | 152 |  |  | 297 |  |  | 757 |
Other noninterest expense, including corporate allocations | 541 |  |  | 167 |  |  | (219) |  |  | 489 |
Total noninterest expense | 849 |  |  | 319 |  |  | 78 |  |  | 1,246 |
Income (loss) before income taxes | 484 |  |  | 436 |  |  | (154) |  |  | 766 |
Provision (benefit) for income taxes | 102 |  |  | 91 |  |  | (60) |  |  | 133 |
Income attributable to non-controlling interest | — |  |  | 4 |  |  | — |  |  | 4 |
Net income (loss) attributable to Huntington | $ | 382 |  |  | $ | 341 |  |  | $ | (94) |  |  | $ | 629 |
Three months ended September 30, 2024 |  |  |  |  |  |  |
Net interest income (loss) | $ | 1,050 |  |  | $ | 529 |  |  | $ | (228) |  |  | $ | 1,351 |
Provision for credit losses | 105 |  |  | 1 |  |  | — |  |  | 106 |
Net interest income (loss) after provision for credit losses | 945 |  |  | 528 |  |  | (228) |  |  | 1,245 |
Noninterest income | 338 |  |  | 181 |  |  | 4 |  |  | 523 |
Noninterest expense: |  |  |  |  |  |  |
Direct personnel costs | 287 |  |  | 144 |  |  | 253 |  |  | 684 |
Other noninterest expense, including corporate allocations | 512 |  |  | 145 |  |  | (211) |  |  | 446 |
Total noninterest expense | 799 |  |  | 289 |  |  | 42 |  |  | 1,130 |
Income (loss) before income taxes | 484 |  |  | 420 |  |  | (266) |  |  | 638 |
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 |
| Consumer & Regional Banking |  | Commercial Banking |  | Treasury / Other |  | Huntington Consolidated
(dollar amounts in millions) |  |  |
Nine months ended September 30, 2025 |  |  |  |  |  |  |
Net interest income (loss) | $ | 3,018 |  |  | $ | 1,564 |  |  | $ | (183) |  |  | $ | 4,399 |
Provision for credit losses | 306 |  |  | 34 |  |  | — |  |  | 340 |
Net interest income (loss) after provision for credit losses | 2,712 |  |  | 1,530 |  |  | (183) |  |  | 4,059 |
Noninterest income | 1,059 |  |  | 557 |  |  | (23) |  |  | 1,593 |
Noninterest expense: |  |  |  |  |  |  |
Direct personnel costs | 907 |  |  | 440 |  |  | 803 |  |  | 2,150 |
Other noninterest expense, including corporate allocations | 1,601 |  |  | 499 |  |  | (655) |  |  | 1,445 |
Total noninterest expense | 2,508 |  |  | 939 |  |  | 148 |  |  | 3,595 |
Income (loss) before income taxes | 1,263 |  |  | 1,148 |  |  | (354) |  |  | 2,057 |
Provision (benefit) for income taxes | 265 |  |  | 241 |  |  | (155) |  |  | 351 |
Income attributable to non-controlling interest | — |  |  | 14 |  |  | — |  |  | 14 |
Net income (loss) attributable to Huntington | $ | 998 |  |  | $ | 893 |  |  | $ | (199) |  |  | $ | 1,692 |
Nine months ended September 30, 2024 |  |  |  |  |  |  |
Net interest income (loss) | $ | 3,013 |  |  | $ | 1,579 |  |  | $ | (642) |  |  | $ | 3,950 |
Provision for credit losses | 227 |  |  | 86 |  |  | — |  |  | 313 |
Net interest income (loss) after provision for credit losses | 2,786 |  |  | 1,493 |  |  | (642) |  |  | 3,637 |
Noninterest income | 968 |  |  | 490 |  |  | 23 |  |  | 1,481 |
Noninterest expense: |  |  |  |  |  |  |
Direct personnel costs | 847 |  |  | 429 |  |  | 710 |  |  | 1,986 |
Other noninterest expense, including corporate allocations | 1,517 |  |  | 454 |  |  | (573) |  |  | 1,398 |
Total noninterest expense | 2,364 |  |  | 883 |  |  | 137 |  |  | 3,384 |
Income (loss) before income taxes | 1,390 |  |  | 1,100 |  |  | (756) |  |  | 1,734 |
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 |
Segment Disclosure of Assets and Deposits |
| Assets |  | Deposits
(dollar amounts in millions) | At September 30, 2025 |  | At December 31, 2024 |  | At September 30, 2025 |  | At December 31, 2024
Consumer & Regional Banking | $ | 81,412 |  |  | $ | 78,841 |  |  | $ | 110,043 |  |  | $ | 111,390 |
Commercial Banking | 71,937 |  |  | 66,919 |  |  | 47,651 |  |  | 43,366 |
Treasury / Other | 56,879 |  |  | 58,470 |  |  | 7,518 |  |  | 7,692 |
Total | $ | 210,228 |  |  | $ | 204,230 |  |  | $ | 165,212 |  |  | $ | 162,448 |

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