ALLOWANCE FOR CREDIT LOSSES (Tables)

6 Months Ended

Jun. 30, 2026

Credit Loss [Abstract]

Allowance Roll-forward

The following table presents ACL activity by portfolio segment.


(dollar amounts in millions)	Commercial		Consumer		Total
Three months ended June 30, 2026
ALLL balance, beginning of period	$2,305		$938		$3,243
Loan and lease charge-offs	(116)		(75)		(191)
Recoveries of loans and leases previously charged-off	50		22		72
Provision for loan and lease losses	100		25		125
ALLL balance, end of period	$2,339		$910		$3,249
AULC balance, beginning of period	$98		$27		$125
Provision (benefit) for unfunded lending commitments	4		3		7
AULC balance, end of period	$102		$30		$132
ACL balance, end of period	$2,441		$940		$3,381
Three months ended June 30, 2025
ALLL balance, beginning of period	$1,520		$743		$2,263
Loan and lease charge-offs	(56)		(55)		(111)
Recoveries of loans and leases previously charged-off	25		20		45
Provision for loan and lease losses	59		75		134
ALLL balance, end of period	$1,548		$783		$2,331
AULC balance, beginning of period	$158		$57		$215
Provision (benefit) for unfunded lending commitments	(34)		3		(31)
AULC balance, end of period	$124		$60		$184
ACL balance, end of period	$1,672		$843		$2,515
Six months ended June 30, 2026
ALLL balance, beginning of period	$1,731		$806		$2,537
Loan and lease charge-offs (1)	(214)		(150)		(364)
Recoveries of loans and leases previously charged-off	92		42		134
Provision for loan and lease losses	292		83		375
Allowance on PCD loans and leases at acquisition	268		54		322
Allowance on purchased seasoned loans and leases at acquisition	170		75		245
ALLL balance, end of period	$2,339		$910		$3,249
AULC balance, beginning of period	$145		$61		$206
Provision (benefit) for unfunded lending commitments	(46)		(39)		(85)
Allowance for unfunded lending commitments at acquisition	3		8		11
AULC balance, end of period	$102		$30		$132
ACL balance, end of period	$2,441		$940		$3,381
Six months ended June 30, 2025
ALLL balance, beginning of period	$1,484		$760		$2,244
Loan and lease charge-offs	(130)		(114)		(244)
Recoveries of loans and leases previously charged-off	55		37		92
Provision for loan and lease losses	139		100		239
ALLL balance, end of period	$1,548		$783		$2,331
AULC balance, beginning of period	$144		$58		$202
Provision (benefit) for unfunded lending commitments	(20)		2		(18)
AULC balance, end of period	$124		$60		$184
ACL balance, end of period	$1,672		$843		$2,515

(1)Includes charge-offs of $23 million on certain commercial loans previously charged off by Cadence, which were written up to the unpaid principal balance

at acquisition and then immediately charged off by Huntington as required by purchase accounting.