BORROWINGS (Tables)

9 Months Ended

Sep. 30, 2025

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, 2025		At December 31, 2024
Securities sold under agreements to repurchase	$	144	$	142
Other borrowings	108		57
Total short-term borrowings	$	252	$	199

Schedule of Long-term Debt Instruments

The following table summarizes the composition of Huntington’s long-term debt.

(dollar amounts in millions)	At September 30, 2025		At December 31, 2024
The Parent Company:
Senior Notes	$	5,514	$	5,836
Subordinated Notes	1,374		1,341
Total notes issued by the Parent Company	6,888		7,177
The Bank:
Senior Notes	3,190		1,654
Subordinated Notes	231		515
Total notes issued by the Bank	3,421		2,169
FHLB Advances	4,514		4,696
Auto Loan Securitization Trust (1)	694		1,023
Credit Linked Notes (2)	1,299		821
Other	499		488
Total long-term debt	$	17,315	$	16,374

(1)     Represents secured borrowings collateralized by auto loans with a weighted average rate of 5.22% due through 2029. See Note 15- “Variable Interest Entities” for additional information.

(2)    As of September 30, 2025, the weighted average contractual interest rate on the CLNs was 5.80%. Huntington has elected the fair value option for these notes. To the extent losses exceed certain thresholds, the principal and interest payable on the notes may be reduced by a portion of the Company's aggregate net losses on the reference pool of loans, with losses allocated to note classes in reverse order of payment priority.