2023 Fourth Quarter Investor Presentation

Non-Interest Bearing (NIB) Deposit Mix Total Deposits - Ending Balances Pre-TCF Acquisition $143 $142 $143 $147 $145 $146 $148 $145 $148 $149 Total Deposits $94 $95 $99 $102 $82 $81 $82 $82 $87 Interest Bearing 29.4% 28.9% 28.9% 30.6% 31.7% 31.4% 30.2% 29.8% 29.0% 27.9% 25.9% 25.3% 22.5% 21.3% Non-Interest Bearing 24.4% 24.0% 24.9% 24.6% 24.2% 1Q19 2Q19 3Q19 4Q19 1Q20 2Q20 3Q20 4Q20 1Q21:2Q21 3Q21 4Q21 1Q22 2Q22 3Q22 4Q22 1Q23 2Q23 3Q23 NIB Deposits by Business Line - Average Balances (1) 32% Commercial Average Size $411k Percent with TM Relationship 93% 34% Business Banking $25k 84% 34% Consumer 3Q23 Note: $ in billions unless otherwise noted See notes on slide 60 $3k 2023 Fourth Quarter Investor Presentation | 27 Huntington

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