2023 Fourth Quarter Investor Presentation

Noninterest Income | Diversified Fee Revenues Noninterest Income Noninterest Income Notable Items MTM-PF Swaptions excl. Notable Items & MTM PF Swaptions $498 $499 $512 $495 $509 $57 $18 $33 $498 $499 $455 $477 $476 3Q22 4Q22 1Q23 2Q23 3Q23 Noninterest Income vs. Prior Year vs Linked Quarter Highlights Noninterest income increased $14 million QoQ driven by positive MTM on PF swaptions as well as higher deposit service charges including TM fees, offset by lower capital markets fees Excluding the MTM on PF swaptions, adjusted noninterest income was relatively stable QoQ vs Prior Year Noninterest income increased $11 million driven by positive MTM on PF swaptions, higher card and payments, BOLI, and deposit service charges, offset by lower capital markets revenue and gain on sale Noninterest Income by Category $498 $7 $5 $4 $3 $2 $1 $33 $509 $498 $495 $509 $476 ($7) ($13) ($24) $33 MTM-PF Swaptions $18 $73 $57 $49 Capital Markets $60 $68 $62 Trust & Investments $96 $102 $103 Card & Payments $46 $44 $49 DSC-Commercial (incl. TM) $47 $43 $48 DSC Consumer $26 $33 $27 Mortgage 3Q23 $150 $130 $138 All Other and GOS 3Q22 2Q23 3Q23 Note: $ in millions unless otherwise noted 2023 Fourth Quarter Investor Presentation | 36 Huntington

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