Fourth Quarter Investor Presentation
Well Positioned to Thrive and Manage Through the
Dynamic Environment
Adj. CET1(1)
HBAN
8.0%
Expanding adjusted CET1 through YE24
Top Quartile
Capital
Peers (20)
6.9%
8.0% Adj. CET1
Top Quartile vs peers
Optimizing balance sheet to generate the
highest returns
Deposit Growth since 4Q21(2)
70% Insured
Sustained
HBAN
4.1%
Deposit
Growth
-6.7%
Peers (3Q)
Uninsured Deposit Coverage (4)
Robust
HBAN
204%
Liquidity
Peers (20)
95%
Deposits
#1 Ranking
(banks >$100B(3))
Acquiring and deepening primary
bank relationships
Leveraging award-winning customer
satisfaction and mobile app
131% LCR
Compliant with unmodified
Liquidity Coverage Ratio (LCR)
Managed to a best-in-class liquidity
position for coverage of uninsured
deposits
ACL %(4)
Strong
HBAN
1.96%
Credit
Peers (3Q)
1.56%
0.14% NCO
Top quartile vs peers
4Q21 to 3Q23(5)
Distinguished
Franchise
See reconciliation on slide 58 (CET1)
See notes on slide 60
#1
Customer
Satisfaction
JD Power (6)
Disciplined customer selection and
underwriting supports strong credit
quality
#1
Mobile
App
JD Power (6)
#1
SBA Lender
Nationally
6 years in a row(7)
Best Brand &
Excellence
Greenwich Awards (8)
2023 Fourth Quarter Investor Presentation 9
HuntingtonView entire presentation