SEGMENT REPORTING (Tables)

9 Months Ended

Sep. 30, 2025

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