2023 Fourth Quarter Investor Presentation

Non-GAAP Reconciliation Efficiency Ratio, Noninterest Expense Efficiency Ratio ($ in millions) – Pre-tax 3Q22 4Q22 1Q23 2Q23 3Q23 Noninterest expense (GAAP) $1,053 $1,077 $1,086 $1,050 $1,090 Less: intangible amortization 13 13 13 13 12 Noninterest expense less amortization of intangibles (A) $1,040 $1,064 $1,073 $1,037 $1,078 Less: Notable Items, pre-tax 10 15 42 15 Adjusted noninterest expense (Non-GAAP) (B) $1,030 $1,049 $1,031 $1,037 $1,063 Total Revenue (GAAP) $1,902 $1,961 $1,921 $1,841 $1,877 FTE adjustment 8 9 9 11 11 Less: gain/(loss) on securities 1 (5) Less: gain on sale of business line -- 57 FTE revenue less gain/(loss) on securities (C) $1,910 $1,970 $1,872 $1,857 $1,888 Efficiency Ratio (A/C) Adjusted Efficiency Ratio (B/C) 54.4% 54.0% 55.6% 55.9% 57.0% 53.9% 53.2% 55.1% 55.9% 56.3% Noninterest Expense ($ in millions) Noninterest expense (GAAP) Less: Notable Items, pre-tax Adjusted Noninterest expense (Non-GAAP) 3Q22 4Q22 1Q23 2Q23 3Q23 $1,053 $1,077 $1,086 $1,050 $1,090 10 15 42 15 $1,043 $1,062 $1,044 $1,050 $1,075 2023 Fourth Quarter Investor Presentation | 57 Huntington

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