Fourth Quarter Investor Presentation

Driving Sustained Profitability Pre-Provision Net Revenue (PPNR) PPNR (GAAP) PPNR (Adjusted for Notable Items) $857 $867 $893 $908 $844 $828 $802 $807 $798 $813 3Q22 4Q22 1Q23 2Q23 3Q23 Notable Items ROTCE (GAAP) Return on Tangible Common Equity % Adj. ROTCE ex AOCI 26.5% 22.2% 22.7% 26.0% 19.9% 20.0% 23.1% 21.9% 19.9% 19.8% 19.5% 18.6% 17.8% 15.8% 15.3% 3Q22 4Q22 1Q23 See reconciliations on slides 55 (PPNR) and 56 (ROTCE) Note: $ in millions unless otherwise noted 2Q23 3Q23 2023 Fourth Quarter Investor Presentation | 21 Huntington

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