OTHER COMPREHENSIVE INCOME (Tables)

12 Months Ended

Dec. 31, 2025

Components of Accumulated Other Comprehensive Income

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


(dollar amounts in millions)	Pretax		Tax (expense) benefit		After-tax
Year Ended December 31, 2025

Unrealized gains on available-for-sale securities arising during the period, net of hedges	$	749	$	(176)	$	573
Reclassification adjustment for realized net losses included in net income	71		(17)		54
Total unrealized gains on available-for-sale securities, net of hedges	820		(193)		627

Unrealized gains on cash flow hedges during the period	332		(78)		254
Reclassification adjustment for cash flow hedges included in net income	52		(12)		40
Net change related to cash flow hedges on loans	384		(90)		294
Translation adjustments, net of hedges (1)	9		(1)		8
Change in accumulated unrealized losses for pension and other post-retirement obligations	38		(9)		29
Other comprehensive income	$	1,251	$	(293)	$	958
Year Ended December 31, 2024

Unrealized losses on available-for-sale securities arising during the period, net of hedges	$	(454)	$	107	$	(347)
Reclassification adjustment for realized net losses included in net income	94		(18)		76
Total unrealized losses on available-for-sale securities, net of hedges	(360)		89		(271)

Unrealized losses on cash flow hedges during the period	(111)		26		(85)
Reclassification adjustment for cash flow hedges included in net income	236		(55)		181
Net change related to cash flow hedges on loans	125		(29)		96
Translation adjustments, net of hedges (1)	(6)		—		(6)
Change in accumulated unrealized losses for pension and other post-retirement obligations	(12)		3		(9)
Other comprehensive loss	$	(253)	$	63	$	(190)
Year Ended December 31, 2023

Unrealized gains on available-for-sale securities arising during the period, net of hedges	$	154	$	(36)	$	118
Reclassification adjustment for realized net losses included in net income	47		(11)		36
Total unrealized gains on available-for-sale securities, net of hedges	201		(47)		154

Unrealized gains on cash flow hedges during the period	162		(37)		125
Reclassification adjustment for cash flow hedges included in net income	187		(43)		144
Net change related to cash flow hedges on loans	349		(80)		269


Translation adjustments, net of hedges (1)	2		—		2
Change in accumulated unrealized losses for pension and other post-retirement obligations	(4)		1		(3)
Other comprehensive income	$	548	$	(126)	$	422

(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

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
December 31, 2022	$	(2,248)	$	(632)	$	(8)	$	(210)	$	(3,098)
Other comprehensive income before reclassifications	118		125		2		—		245
Amounts reclassified from AOCI to earnings	36		144		—		(3)		177
Period change	154		269		2		(3)		422
December 31, 2023	(2,094)		(363)		(6)		(213)		(2,676)

Other comprehensive loss before reclassifications	(347)		(85)		(6)		—		(438)
Amounts reclassified from AOCI to earnings	76		181		—		(9)		248
Period change	(271)		96		(6)		(9)		(190)

December 31, 2024	(2,365)		(267)		(12)		(222)		(2,866)

Other comprehensive income before reclassifications	573		254		8		29		864
Amounts reclassified from AOCI to earnings	54		40		—		—		94
Period change	627		294		8		29		958

December 31, 2025	$	(1,738)	$	27	$	(4)	$	(193)	$	(1,908)

(1)AOCI amounts at December 31, 2025, 2024, and 2023 include $44 million, $50 million, and $58 million, respectively, of net unrealized losses (after-tax) on securities previously 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.