2023 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 Huntington

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