2023 Fourth Quarter Investor Presentation

High Quality, Granular Deposit Franchise Leading Percent of Insured Deposits(1) Diversification by Business Lines.. Banks at 2Q23 HBAN Bank 1 BAC 70% Consumer 63% 63% Bank 2 60% 51% 25% Commercial Bank 3 59% C 59% Bank 4 59% 13% 4% 6% Bank 5 58% Other Business Banking 1% Bank 6 58% Vehicle Wealth Bank 7 57% Finance Bank 8 57% Bank 9 54% Bank 10 52% FRC 52% ..with Low Average Balances Consumer WFC Bank 11 50% $11k per account 50% JPM 42% Business Banking $39k per account SIVB 12% Commercial $3.7M per relationship SBNY 11% See notes on slide 60 2023 Fourth Quarter Investor Presentation | 28 Huntington

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