2023 Fourth Quarter Investor Presentation

Loans and Leases | Loan Growth Optimized for Return Commercial Average Loan and Lease Balances +4.4% $67.9 $68.7 $67.5 $66.4 $64.7 3Q22 4Q22 1Q23 2Q23 Consumer Average Loan and Lease Balances 3Q23 +2.0% $53.3 $52.3 $52.5 $52.5 $52.7 3Q22 4Q22 1Q23 2Q23 3Q23 Note: $ in billions unless otherwise noted Highlights vs Linked Quarter Average balances decreased $1.2 billion, or -1.8% QoQ vs Prior Year Average balances increased $2.8 billion, or 4.4% YoY Highlights vs Linked Quarter Average balances increased $0.7 billion, or 1.2% QoQ vs Prior Year Average balances increased $1.0 billion, or 2.0% YoY 2023 Fourth Quarter Investor Presentation | 22 Huntington

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