HUNTINGTON BANCSHARES INC MD
For the period ended Dec 31, 2023. Filed Feb 16, 2024.
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A company's yearly report to the SEC, with audited financial statements. It is the fullest account a company gives of its business, its finances and the risks it sees.
FY2023 · Filed Feb 16, 2024
HBANL$24.77+0.9%Stored close · as of Nov 6, 2026
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Table of Contents
HUNTINGTON BANCSHARES INCORPORATED
INDEX
| Glossary of Acronyms and Terms | 4 | |
| Part I. | ||
|---|---|---|
| Item 1. | Business | 7 |
| Item 1A. | Risk Factors | 27 |
| Item 1B. | Unresolved Staff Comments | 40 |
| Item 1C. | Cybersecurity | 41 |
| Item 2. | Properties | 42 |
| Item 3. | Legal Proceedings | 42 |
| Item 4. | Mine Safety Disclosures | 42 |
| Part II. | ||
| Item 5. | Market for Registrant’s Common Equity, Related Stockholder Matters and Issuer Purchases of Equity Securities | 43 |
| Item 6. | [Reserved] | 43 |
| Item 7. | Management’s Discussion and Analysis of Financial Condition and Results of Operations | 43 |
| Introduction | 44 | |
| Executive Overview | 44 | |
| Discussion of Results of Operations | 47 | |
| Risk Management and Capital: | 53 | |
| Risk Governance | 53 | |
| Credit Risk | 55 | |
| Market Risk | 68 | |
| Liquidity Risk | 71 | |
| Operational Risk | 77 | |
| Compliance Risk | 78 | |
| Capital | 78 | |
| Business Segment Discussion | 81 | |
| Additional Disclosures | 85 | |
| Item 7A. | Quantitative and Qualitative Disclosures About Market Risk | 88 |
| Item 8. | Financial Statements and Supplementary Data | 88 |
| Item 9. | Changes in and Disagreements with Accountants on Accounting and Financial Disclosure | 160 |
| Item 9A. | Controls and Procedures | 160 |
| Item 9B. | Other Information | 160 |
| Item 9C. | Disclosure Regarding Foreign Jurisdictions that Prevent Inspections. | 160 |
| Part III. | ||
| Item 10. | Directors, Executive Officers, and Corporate Governance | 160 |
| Item 11. | Executive Compensation | 161 |
| Item 12. | Security Ownership of Certain Beneficial Owners and Management and Related Stockholder Matters | 161 |
| Item 13. | Certain Relationships and Related Transactions, and Director Independence | 161 |
| Item 14. | Principal Accounting Fees and Services | 161 |
| Part IV. | ||
| Item 15. | Exhibits and Financial Statement Schedules | 162 |
| Signatures | 166 | |
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