SEGMENT REPORTING (Tables)

3 Months Ended

Mar. 31, 2026

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)	Consumer & Regional Banking	Commercial Banking	Treasury / Other	Huntington Consolidated
Three months ended March 31, 2026
Net interest income (loss)	$1,365	$640	$(114)	$1,891
Provision for credit losses	120	38	—	158
Net interest income (loss) after provision for credit losses	1,245	602	(114)	1,733
Noninterest income	387	252	43	682
Noninterest expense:
Direct personnel costs	373	193	426	992
Other noninterest expense, including corporate allocations	694	218	(130)	782
Total noninterest expense	1,067	411	296	1,774
Income (loss) before income taxes	565	443	(367)	641
Provision (benefit) for income taxes	119	93	(98)	114
Income attributable to non-controlling interest	—	4	—	4
Net income (loss) attributable to Huntington	$446	$346	$(269)	$523
Three months ended March 31, 2025
Net interest income (loss)	$943	$513	$(30)	$1,426
Provision for credit losses	47	68	—	115
Net interest income (loss) after provision for credit losses	896	445	(30)	1,311
Noninterest income	327	162	5	494
Noninterest expense:
Direct personnel costs	294	139	238	671
Other noninterest expense, including corporate allocations	525	164	(208)	481
Total noninterest expense	819	303	30	1,152
Income (loss) before income taxes	404	304	(55)	653
Provision (benefit) for income taxes	85	64	(27)	122
Income attributable to non-controlling interest	—	4	—	4
Net income (loss) attributable to Huntington	$319	$236	$(28)	$527