Company: HBAN
Filing Date: 2025-10-28
Form Type: 10-Q
Source: 0000049196-25-000079
Chunk: 262

Company: HUNTINGTON BANCSHARES INC /MD/
Filing Date: 2025-10-28
Form: 10-Q
Item: Part II, Item 8
Chunk 262
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 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 reported modification types and the impact on credit quality of borrowers experiencing financial difficulty.The following table summarizes the amortized cost basis of loans modified during the reporting period to borrowers experiencing financial difficulty, disaggregated by class of financing receivable and type of modification.Amortized Cost(dollar amounts in millions)Interest rate reductionTerm extensionPayment deferralCombo - interest rate reduction and term extensionTotal% of total loan class (1)Three months ended September 30, 2025Commercial and industrial$24 $105 $— $1 $130 0.21 %Commercial real estate— 125 — — 125 1.16 Residential mortgage— 18 3 1 22 0.09 Automobile— 4 — — 4 0.03 Home equity— 2 — 3 5 0.05 RV and marine— 1 — — 1 0.02 Total loans to borrowers experiencing financial difficulty to which modifications were made$24 $255 $3 $5 $287 0.21 %Three months ended September 30, 2024Commercial and industrial$22 $165 $— $17 $204 0.38 %Commercial real estate— 168 — 11 179 1.55 Residential mortgage— 15 1 1 17 0.07 Automobile— 3 — — 3 0.02 Home equity— 1 — 3 4 0.04 Other consumer1 — — — 1 0.06 Total loans to borrowers experiencing financial difficulty to which modifications were made$23 $352 $1 $32 $408 0.34 %Nine months ended September 30, 2025Commercial and industrial$91 $261 $— $2 $354 0.56 %Commercial real estate— 213 — — 213 1.98 Residential mortgage— 38 14 4 56 0.23 Automobile— 6 — — 6 0.04 Home equity— 6 — 7 13 0.13