Company: HBAN
Filing Date: 2025-02-14
Form Type: 10-K
Source: 0000049196-25-000020
Chunk: 192

Company: HUNTINGTON BANCSHARES INC /MD/
Filing Date: 2025-02-14
Form: 10-K
Item: Item 7
Chunk 192
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Loans and Leases Due After 1 YearContractual Maturity Range(dollar amounts in millions)Fixed RateFloating or Adjustable RateOne Yearor LessOne toFive YearsFive toFifteen YearsAfterFifteen YearsTotalAt December 31, 2024Commercial:Commercial and industrial$11,498 $28,579 $16,732 $31,440 $7,461 $1,176 $56,809 Commercial real estate650 6,343 4,085 6,084 862 47 11,078 Lease financing4,717 344 393 3,327 911 823 5,454 Total commercial16,865 35,266 21,210 40,851 9,234 2,046 73,341 Consumer:Residential mortgage9,678 14,552 12 85 1,512 22,633 24,242 Automobile14,397 — 167 7,945 6,435 17 14,564 Home equity2,735 7,268 139 219 2,108 7,676 10,142 RV and marine5,980 — 2 183 3,309 2,488 5,982 Other consumer755 624 392 1,111 231 37 1,771 Total consumer33,545 22,444 712 9,543 13,595 32,851 56,701 Total loans and leases$50,410 $57,710 $21,922 $50,394 $22,829 $34,897 $130,042 Percent of total17 %38 %18 %27 %100 %

2024 Form 10-K     59

Table of Contents

Total commercial loans and leases were $73.3 billion at December 31, 2024 and represented 56% of our total loan and lease credit exposure at that date. Our commercial loan portfolio is diversified by product type, customer size, and geography, and is comprised of the following (see Commercial Credit discussion):

C&I – C&I loans are made to commercial customers for use in normal business operations to finance working capital needs, equipment purchases, or other projects, and to institutional sponsors supporting REITs. We focus on borrowers doing business within