2023 Fourth Quarter Investor Presentation

Capital Positioning | Building Over the Year Common Equity Tier 1 (CET1) Ratio Target operating range 9 - 10% 10.10% 9.82% 9.55% 9.36% 9.27% 3Q22 4Q22 1Q23 2Q23 3Q23 4Q23 CET1 Ratio (Reported and Adjusted) CET1 (Reported) AOCI Adjustment CET1 Adjusted (1) Highlights Strong Capital Position CET1 continues to grow on a reported basis (+28 bps QoQ) Inclusive of AOCI, CET1 declined QoQ (-12 bps) driven by movement of rates Capital Priorities include: 1. Fund Organic Growth 2. Dividend 3. Buybacks/other Expect to deploy capital to fund organic growth and further increase adjusted CET1 Share repurchase not expected through 2023 and 2024 Tangible Common Equity -TCE Ratio Adjusted TCE Ratio, ex AOCI 7.70% 10.10% 9.55% 9.82% 7.45% 7.21% 7.30% 7.27% 1.63% 1.70% 2.10% 7.92% 8.12% 8.00% 5.77% 5.80% 5.55% 5.70% 5.32% 1Q23 2Q23 See reconciliations on slide 58 (CET1) and 59 (TCE) See notes on slide 61 3Q23 3Q22 4Q22 1Q23 2Q23 3Q23 2023 Fourth Quarter Investor Presentation | 40 Huntington

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