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  <xs:element id="hban_LiabilityDerivativesIncludedInAccruedExpensesAndOtherLiabilitiesAbstract" abstract="true" name="LiabilityDerivativesIncludedInAccruedExpensesAndOtherLiabilitiesAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="hban_OtherLongTermDebtMember" abstract="true" name="OtherLongTermDebtMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="hban_UnderlyingLiabilityClassAxis" abstract="true" name="UnderlyingLiabilityClassAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="hban_UnderlyingLiabilityClassDomain" abstract="true" name="UnderlyingLiabilityClassDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="hban_IncreaseDecreaseToNetInterestIncomeDueToDerivativeAdjustment" abstract="false" name="IncreaseDecreaseToNetInterestIncomeDueToDerivativeAdjustment" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="hban_InterestincomeavailableforsalesecuritiestaxableMember" abstract="true" name="InterestincomeavailableforsalesecuritiestaxableMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="hban_InterestExpenseSubordinatedNotesAndOtherLongTermDebtMember" abstract="true" name="InterestExpenseSubordinatedNotesAndOtherLongTermDebtMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="hban_InvestmentSecuritiesMember" abstract="true" name="InvestmentSecuritiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="hban_HedgedinvestmentsecuritiesMember" abstract="true" name="HedgedinvestmentsecuritiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="hban_SubordinatedNotesMember" abstract="true" name="SubordinatedNotesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="hban_HedgedSubordinatedNotesMember" abstract="true" name="HedgedSubordinatedNotesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="hban_FinancialLiabilityClosedPortfolioPortfolioLayerMethodAmortizedCost" abstract="false" name="FinancialLiabilityClosedPortfolioPortfolioLayerMethodAmortizedCost" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="hban_HedgedLiabilityFairValueHedgePortfolioLayerMethodHedgedLayerFairValueCumulativeIncreaseDecrease" abstract="false" name="HedgedLiabilityFairValueHedgePortfolioLayerMethodHedgedLayerFairValueCumulativeIncreaseDecrease" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="hban_FairValueHedgingAdjustments" abstract="false" name="FairValueHedgingAdjustments" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="hban_CommitmentstoSellLoansMember" abstract="true" name="CommitmentstoSellLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="hban_DerivativeUsedInMortgageBankingActivitiesMember" abstract="true" name="DerivativeUsedInMortgageBankingActivitiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="hban_CommitmentsToSellResidentialRealEstateLoans" abstract="false" name="CommitmentsToSellResidentialRealEstateLoans" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="hban_DerivativeUsedInTradingActivityMember" abstract="true" name="DerivativeUsedInTradingActivityMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="hban_DerivativeFinancialInstrumentsUsedByCompanyOnBehalfOfCustomersIncludingOffsettingDerivativesNotionalValue" abstract="false" name="DerivativeFinancialInstrumentsUsedByCompanyOnBehalfOfCustomersIncludingOffsettingDerivativesNotionalValue" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="hban_CreditRisksFromInterestRateSwapsUsedForTradingPurposes" abstract="false" name="CreditRisksFromInterestRateSwapsUsedForTradingPurposes" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="hban_DerivativeNumberofPrimaryGroupsEnteredIntoDerivativeTransactions" abstract="false" name="DerivativeNumberofPrimaryGroupsEnteredIntoDerivativeTransactions" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="hban_AggregateCreditRiskNetOfCollateral" abstract="false" name="AggregateCreditRiskNetOfCollateral" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="hban_InvestmentSecuritiesAndCashCollateralPledgedToCompany" abstract="false" name="InvestmentSecuritiesAndCashCollateralPledgedToCompany" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="hban_LowIncomeHousingTaxCreditPartnersMember" abstract="true" name="LowIncomeHousingTaxCreditPartnersMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="hban_TrustPreferredSecuritiesMember" abstract="true" name="TrustPreferredSecuritiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="hban_ProportionalAmortizationMethodMember" abstract="true" name="ProportionalAmortizationMethodMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="hban_GrossInvestmentInQualifiedAffordableHousingProjects" abstract="false" name="GrossInvestmentInQualifiedAffordableHousingProjects" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="hban_AmortizationMethodQualifiedAffordableHousingProjectInvestmentsAccumulatedAmortization" abstract="false" name="AmortizationMethodQualifiedAffordableHousingProjectInvestmentsAccumulatedAmortization" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="hban_OtherNoninterestExpenseIncludingCorporateAllocations" abstract="false" name="OtherNoninterestExpenseIncludingCorporateAllocations" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
</xs:schema>
