EXHIBIT 24
SUBSTITUTE POWER OF ATTORNEY

Under the terms of a Power of Attorney previously filed with the U.S. Securities
and Exchange Commission, (the "Original Power of Attorney") the undersigned was
appointed an attorney-in-fact for Jeffrey L. Tate (the "Section 16 Reporting
Person"), to:

(1) execute for and on behalf of the Section 16 Reporting Person, in the Section
16 Reporting Person's capacity as an officer and/or director of Huntington
Bancshares Incorporated (the "Company"), a Form ID, Forms 3, 4, and 5 and any
other documents necessary to facilitate the filing of reports in accordance with
Section 16(a) of the Securities Exchange Act of 1934 and the rules thereunder;

(2) do and perform any and all acts for and on behalf of the Section 16
Reporting Person which may be necessary or desirable to complete and execute
any such Form ID or Form 3, 4 or 5, complete and execute any amendment or
amendments thereto, and timely file such form with the United States
Securities and Exchange Commission and any stock exchange or similar
authority; and

(3) take any other action of any type whatsoever in connection with the
foregoing which, in the opinion of such attorney-in-fact, may be of benefit
to, in the best interest of, or legally required by, the Section 16 Reporting
Person, it being understood that the documents executed by such attorney-in-fact
on behalf of the Section 16 Reporting Person pursuant to this Substitute Power
of Attorney shall be in such form and shall contain such terms and conditions
as such attorney-in-fact may approve in such attorney-in-fact's discretion.

In accordance with the authority granted under the Original Power of Attorney,
including power of substitution, the undersigned hereby appoints Rachel L.
Lawless, Robert Matthew Pearson, and Virginia L. Mockler as substitute attorneys
-in-fact, on behalf of the Section 16 Reporting Person, with the power to act
without any other and with the full power of substitution to exercise and
execute all of the powers granted or conferred in the Original Power of
Attorney.

This Substitute Power of Attorney shall remain in full force and effect until
the Section 16 Reporting Person is no longer required to file Forms 3, 4, and
5 with respect to the holdings of and transactions in securities issued by the
Company, unless earlier revoked by the Section 16 Reporting Person in a signed
writing delivered to the foregoing attorneys-in-fact.

IN WITNESS WHEREOF, the undersigned has caused this Substitute Power of
Attorney to be executed as of this 30th day of September, 2025.

/s/ Anne C. Kruger
__________________________________
Signature

Print Name Anne C. Kruger