2023 Fourth Quarter Investor Presentation

Loans and Leases | Loan Growth Optimized for Return Average Loan and Lease Balances +3.3% $117.0 $118.9 $120.4 $121.3 $120.8 3Q22 4Q22 vs Linked Quarter Highlights Average balances down $0.6 billion, or -0.5%, QoQ driven by lower commercial loan balances due to seasonality and optimization efforts, partially offset by growth in total consumer loans Average commercial balances down $1.2 billion, or -1.8% QoQ Average consumer loan balances increased by $0.7 million, or 1.3% QoQ 1Q23 2Q23 3Q23 vs Prior Year Average Loan Yield $121.3 Average Loan and Lease Balances QoQ ($1.2) CRE -$0.4 Distribution Finance -$0.4 $0.7 $120.8 Resi Mortgage +$0.5 RV/Marine +$0.3 Other Consumer +$0.1 Auto -$0.2 Asset Finance -$0.3 All other, net -$0.2 Auto Floorplan +$0.1 5.51% 2Q23 5.76% Commercial Consumer 3Q23 Note: $ in billions unless otherwise noted Total average balances increased $3.8 billion, or 3.3% YoY Average commercial balances increased $2.8 billion, or 4.3% YoY Average consumer balances increased $1.0 billion, or 2.0% YoY 2023 Fourth Quarter Investor Presentation 23 Huntington

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