2023 Fourth Quarter Investor Presentation

Non-GAAP Reconciliation Tangible common equity ratio, Tangible book value per share Tangible Common Equity Ratio ($ in millions) 3Q22 4Q22 1Q23 2Q23 Huntington shareholders' equity Less: preferred stock Common shareholders' equity $17,136 $17,731 $18,758 $18,788 3Q23 $18,483 2,167 2,167 2,484 2,484 2,484 $14,969 $15,564 $16,274 $16,304 $15,999 Less: goodwill 5,571 5,571 5,561 5,561 5,561 Less: other intangible assets, net of tax 161 154 142 132 122 Tangible common equity (A) $9,237 $9,839 $10,571 $10,611 $10,316 Less: accumulated other comprehensive income (loss) (3,276) (3,098) (2,755) (3,006) (3,622) Adjusted tangible equity (B) $12,513 $12,937 $13,326 $13,617 $13,938 Total assets Less: goodwill Less: other intangible assets, net of tax Tangible assets (C) Tangible common equity / tangible asset ratio (A/C) Adjusted tangible common equity / tangible asset ratio (B/C) TBV per Share ($ in millions, except per share amounts) Number of common shares outstanding (D) Tangible book value per share (A/D) Adjusted tangible book value per share (B/D) $179,402 $182,906 $189,070 $188,505 $186,650 5,571 5,571 5,561 5,561 5,561 161 154 142 132 122 $173,670 $177,181 $183,367 $182,812 $180,967 5.32% 5.55% 5.77% 5.80% 5.70% 7.21% 7.30% 7.27% 7.45% 7.70% 3Q22 4Q22 1Q23 2Q23 3Q23 1,443 1,443 1,444 1,448 1,448 $6.40 $6.82 $7.32 $7.33 $7.12 $8.67 $8.96 $9.23 $9.40 $9.63 2023 Fourth Quarter Investor Presentation | 59 Huntington

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