2023 Fourth Quarter Investor Presentation

Loan Yields | Benefitting From Fixed Rate Re-Pricing Loan Portfolio Composition (as of 3Q23) Fixed 31% ARMS 10% Indirect Auto 11% Variable 48% Highlights Balance sheet positioned to benefit from asset sensitivity and higher interest rates Both variable rate and short-term loan portfolios benefited from asset repricing Auto portfolio duration less than 2 years Mortgage-ARM duration 5 years Loan yields expanded by 207 basis points since 4Q21 Loan yields expanded by 25 basis points QoQ Auto loan yields expanded by 34 basis points QoQ Total commercial yields expanded by 29 basis points QoQ Residential mortgage yields expanded by 15 basis points QoQ Total Loan Yield Trend 5.76% Loan Yield 5.51% 5.27% 4.86% Fed Funds 4.28% 3.69% 3.64% 3.77% 5.25% 5.50% 5.00% 4.50% 3.25% 1.75% 0.50% 0.25% 4Q21 1Q22 2Q22 3Q22 4Q22 1Q23 2Q23 3Q23 2023 Fourth Quarter Investor Presentation | 24 Huntington

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