Company: HBAN
Filing Date: 2025-04-29
Form Type: 10-Q
Source: 0000049196-25-000038
Chunk: 15

Company: HUNTINGTON BANCSHARES INC /MD/
Filing Date: 2025-04-29
Form: 10-Q
Item: Part I, Item 1
Chunk 15
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 real estate35 — 39 74 11,004 — 11,078 — Lease financing56 23 14 93 5,361 — 5,454 11 Residential mortgage196 98 242 536 23,533 173 24,242 185 (3)Automobile117 27 16 160 14,404 — 14,564 12 Home equity64 32 92 188 9,954 — 10,142 20 RV and marine26 7 5 38 5,944 — 5,982 4 Other consumer13 5 4 22 1,749 — 1,771 4 Total loans and leases$603 $238 $644 $1,485 $128,384 $173 $130,042 $239 (1)NALs are included in this aging analysis based on the loan’s past due status.(2)Amounts include SBA loans and leases.(3)Amounts include mortgage loans insured by U.S. government agencies.Credit Quality IndicatorsHuntington assesses the risk in the loan portfolio by utilizing numerous risk characteristics. See Note 4 - “Loans and Leases” to the Consolidated Financial Statements appearing in Huntington’s 2024 Annual Report on Form 10-K for a description of the credit quality indicators Huntington utilizes for monitoring credit quality and for determining an appropriate ACL level.

50     Huntington Bancshares Incorporated

The following tables present the amortized cost basis of loans and leases by vintage and internally defined credit quality indicator.At March 31, 2025Term Loans Amortized Cost Basis by Origination YearRevolver Total at Amortized Cost BasisRevolver Total Converted to Term Loans(dollar amounts in millions)20252024202320222021PriorTotalCommercial and industrialCredit Quality Indicator:Pass$5,599 $13,302 $6,845 $5,797 $2,191 $3,048 $18,636 $6 $55,424 OLEM26 169 88 75 16 31 200 — 605 Substandard173 507 394 433 217 198 976 — 2,898 Doubtful— — — 1 — — 20 — 21 Total Commercial and industrial