2023 Fourth Quarter Investor Presentation

CET1 Comparison versus Peers CET1 (Reported and Adjusted for ACL) Peer at 3Q23 12.3% 11.8% 11.7% 11.7% 11.6% 11.3% 11.3% 11.3% 1.4% 11.1% 11.0% 11.0% CET1 + ACL 0.9% 1.7% 1.3% 1.3% 1.1% 1.7% 1.5% 1.3% 1.2% 1.2% ACL Impact 10.9% 10.8% 10.1% 10.4% 10.3% 10.2% 9.7% 9.8% 9.8% 9.9% 9.8% CET1 Reported Peer 1 HBAN 3Q23 Peer 2 Peer 3 Peer 4 Peer 5 Peer 6 Peer 7 Peer 8 Peer 9 Peer 10 See reconciliation on slide 58 (CET1) See notes on slide 61 Top Tier Total Loss Absorbing Capability Versus Peers 2023 Fourth Quarter Investor Presentation | 41 Huntington

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