Company: HBAN
Filing Date: 2025-07-29
Form Type: 10-Q
Source: 0000049196-25-000063
Chunk: 144

Company: HUNTINGTON BANCSHARES INC /MD/
Filing Date: 2025-07-29
Form: 10-Q
Item: Part I, Item 2
Chunk 144
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 Contents

6. ALLOWANCE FOR CREDIT LOSSES  

The following table presents ACL activity by portfolio segment.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 (dollar amounts in millions)CommercialConsumerTotalThree months ended June 30, 2025ALLL balance, beginning of period$1,520 $743 $2,263 Loan and lease charge-offs(56)(55)(111)Recoveries of loans and leases previously charged-off25 20 45 Provision for loan and lease losses59 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 Three months ended June 30, 2024ALLL balance, beginning of period$1,589 $691 $2,280 Loan and lease charge-offs (95)(50)(145)Recoveries of loans and leases previously charged-off38 17 55 Provision for loan and lease losses 55 59 114 ALLL balance, end of period$1,587 $717 $2,304 AULC balance, beginning of period$69 $66 $135 Provision (benefit) for unfunded lending commitments (5)(11)(16)AULC balance, end of period$64 $55 $119 ACL balance, end of period$1,651 $772 $2,423 Six months ended June 30, 2025ALLL balance, beginning of period$1,484 $760 $2,244 Loan and lease charge-offs(130)(114)(244)Recoveries of loans and leases previously charged-off55 37 92 Provision for loan and lease losses139 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