OTHER COMPREHENSIVE INCOME (Tables)

9 Months Ended

Sep. 30, 2025

Components of Other Comprehensive Income

The following table summarizes the components of Huntington’s OCI.


(dollar amounts in millions)	Pretax		Tax (expense) benefit		After-tax
Three months ended September 30, 2025

Unrealized gains on available-for-sale securities arising during the period, net of hedges	$	197	$	(46)	$	151
Reclassification adjustment for realized net losses included in net income	2		—		2
Total unrealized gains on available-for-sale securities, net of hedges	199		(46)		153
Unrealized gains on cash flow hedges during the period	23		(6)		17
Reclassification adjustment for cash flow hedges included in net income	7		(1)		6
Net change related to cash flow hedges on loans	30		(7)		23
Translation adjustments, net of hedges (1)	(2)		1		(1)


Other comprehensive income	$	227	$	(52)	$	175
Three months ended September 30, 2024

Unrealized gains on available-for-sale securities 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
Nine months ended September 30, 2025

Unrealized gains on available-for-sale securities arising during the period, net of hedges	$	591	$	(139)	$	452
Reclassification adjustment for realized net losses included in net income	69		(16)		53
Total unrealized gains on available-for-sale securities, net of hedges	660		(155)		505
Unrealized gains on cash flow hedges during the period	324		(77)		247
Reclassification adjustment for cash flow hedges included in net income	46		(10)		36
Net change related to cash flow hedges on loans	370		(87)		283
Translation adjustments, net of hedges (1)	7		(1)		6
Change in accumulated unrealized gains for pension and other post-retirement obligations	1		—		1
Other comprehensive income	$	1,038	$	(243)	$	795
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

(1)A portion of foreign investments are deemed to be permanent in nature and, therefore, Huntington does not provide for taxes on this portion of foreign currency translation adjustments.

Activity in Accumulated Other Comprehensive Income, Net of Tax

The following table summarizes the activity in AOCI.


(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, 2025
Balance, beginning of period	$	(2,013)	$	(7)	$	(5)	$	(221)	$	(2,246)

Other comprehensive income (loss) before reclassifications	151		17		(1)		—		167
Amounts reclassified from AOCI to earnings	2		6		—		—		8
Period change	153		23		(1)		—		175
Balance, end of period	$	(1,860)	$	16	$	(6)	$	(221)	$	(2,071)

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 AOCI to earnings	3		43		—		—		46
Period change	445		360		2		—		807

Balance, end of period	$	(1,847)	$	(39)	$	(6)	$	(212)	$	(2,104)
Nine months ended September 30, 2025
Balance, beginning of period	$	(2,365)	$	(267)	$	(12)	$	(222)	$	(2,866)
Other comprehensive income before reclassifications	452		247		6		1		706
Amounts reclassified from AOCI to earnings	53		36		—		—		89
Period change	505		283		6		1		795
Balance, end of period	$	(1,860)	$	16	$	(6)	$	(221)	$	(2,071)
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 AOCI to earnings	7		146		—		1		154
Period change	247		324		—		1		572
Balance, end of period	$	(1,847)	$	(39)	$	(6)	$	(212)	$	(2,104)

(1)AOCI amounts at September 30, 2025 and September 30, 2024 include $45 million and $52 million, respectively, of net unrealized losses (after-tax) on securities transferred from the AFS securities portfolio to the HTM securities portfolio. The net unrealized losses will be recognized in earnings over the remaining life of the security using the effective interest method.