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REVENUE FROM CONTRACTS WITH CUSTOMERS | 9 Months Ended
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Sep. 30, 2025
Revenue from Contract with Customer [Abstract] |
REVENUE FROM CONTRACTS WITH CUSTOMERS | REVENUE FROM CONTRACTS WITH CUSTOMERS Revenue is segregated based on the nature of the 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. The following tables present total noninterest income disaggregated by operating segment and 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) | Consumer & Regional Banking |  | Commercial Banking |  | Treasury / Other |  | Huntington Consolidated
Major Revenue Streams |  |  |
Three months ended September 30, 2025 |  |  |  |  |  |  |
Payments and cash management revenue | $ | 120 |  |  | $ | 41 |  |  | $ | — |  |  | $ | 161 |
Wealth and asset management revenue | 96 |  |  | 8 |  |  | — |  |  | 104 |
Customer deposit and loan fees | 62 |  |  | 4 |  |  | — |  |  | 66 |
Capital markets and advisory fees | 10 |  |  | 37 |  |  | (1) |  |  | 46 |
Leasing revenue | 1 |  |  | 1 |  |  | — |  |  | 2 |
Insurance income | 16 |  |  | 4 |  |  | — |  |  | 20 |
Other noninterest income | 25 |  |  | 1 |  |  | (1) |  |  | 25 |
Net revenue from contracts with customers | 330 |  |  | 96 |  |  | (2) |  |  | 424 |
Noninterest income within the scope of other GAAP topics | 63 |  |  | 122 |  |  | 19 |  |  | 204 |
Total noninterest income | $ | 393 |  |  | $ | 218 |  |  | $ | 17 |  |  | $ | 628 |
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 |
(dollar amounts in millions) | Consumer & Regional Banking |  | Commercial Banking |  | Treasury / Other |  | Huntington Consolidated
Major Revenue Streams |  |  |
Nine Months Ended September 30, 2025 |  |  |  |  |  |  |
Payments and cash management revenue | $ | 345 |  |  | $ | 106 |  |  | $ | — |  |  | $ | 451 |
Wealth and asset management revenue | 289 |  |  | 18 |  |  | — |  |  | 307 |
Customer deposit and loan fees | 172 |  |  | 10 |  |  | — |  |  | 182 |
Capital markets and advisory fees | 16 |  |  | 102 |  |  | (1) |  |  | 117 |
Leasing revenue | 2 |  |  | 7 |  |  | — |  |  | 9 |
Insurance income | 52 |  |  | 7 |  |  | — |  |  | 59 |
Other noninterest income | 27 |  |  | 3 |  |  | (3) |  |  | 27 |
Net revenue from contracts with customers | 903 |  |  | 253 |  |  | (4) |  |  | 1,152 |
Noninterest income within the scope of other GAAP topics | 156 |  |  | 304 |  |  | (19) |  |  | 441 |
Total noninterest income | $ | 1,059 |  |  | $ | 557 |  |  | $ | (23) |  |  | $ | 1,593 |
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 |
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, 2025 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, 2025 was determined to be immaterial.

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- Definition The entire disclosure of revenue from contract with customer to transfer good or service and to transfer nonfinancial asset. Includes, but is not limited to, disaggregation of revenue, credit loss recognized from contract with customer, judgment and change in judgment related to contract with customer, and asset recognized from cost incurred to obtain or fulfill contract with customer. Excludes insurance and lease contracts. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Topic 606 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 7 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479806/606-10-50-7 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Topic 606 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 9 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479806/606-10-50-9 Reference 3: http://www.xbrl.org/2003/role/disclosureRef -Topic 606 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 10 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479806/606-10-50-10 Reference 4: http://www.xbrl.org/2003/role/disclosureRef -Topic 606 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 15 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479806/606-10-50-15 Reference 5: http://www.xbrl.org/2003/role/disclosureRef -Topic 606 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 12 -Subparagraph (a) -Publisher FASB -URI https://asc.fasb.org/1943274/2147479806/606-10-50-12 Reference 6: http://www.xbrl.org/2003/role/disclosureRef -Topic 606 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 12 -Subparagraph (b) -Publisher FASB -URI https://asc.fasb.org/1943274/2147479806/606-10-50-12 Reference 7: http://www.xbrl.org/2003/role/disclosureRef -Topic 606 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 12 -Subparagraph (c) -Publisher FASB -URI https://asc.fasb.org/1943274/2147479806/606-10-50-12 Reference 8: http://www.xbrl.org/2003/role/disclosureRef -Topic 606 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 12 -Subparagraph (d) -Publisher FASB -URI https://asc.fasb.org/1943274/2147479806/606-10-50-12 Reference 9: http://www.xbrl.org/2003/role/disclosureRef -Topic 606 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 12 -Subparagraph (e) -Publisher FASB -URI https://asc.fasb.org/1943274/2147479806/606-10-50-12 Reference 10: http://www.xbrl.org/2003/role/disclosureRef -Topic 606 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 13 -Subparagraph (b)(2) -Publisher FASB -URI https://asc.fasb.org/1943274/2147479806/606-10-50-13 Reference 11: http://www.xbrl.org/2003/role/disclosureRef -Name Accounting Standards Codification -Topic 606 -Publisher FASB -URI https://asc.fasb.org/606/tableOfContent + Details
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