2023 Fourth Quarter Investor Presentation

Cumulative Deposit Growth Above Peers HBAN Cumulative Growth Rate of Average Deposits since 4Q21 Peer Median (1) Top / Bottom Quartile (1) 4.1% 2.6% 2.4% 2.7% 1.9% 2.3% 0.4% 0.2% -1.4% -4.5% -3.9% -5.0% -6.0% 4Q21 1Q22 2Q22 3Q22 4Q22 1Q23 2Q23 3Q23 Consistently Grown Deposits Despite More Challenging Industry Environment See notes on slide 60 -6.7% 2023 Fourth Quarter Investor Presentation 29 Huntington

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