Welcome.® 2023 Goldman Sachs US Financial Services Conference The Huntington National Bank is Member FDIC. ®, Huntington® and Huntington. Welcome.® are federally registered service marks of Huntington Bancshares Incorporated. ©2023 Huntington Bancshares Incorporated. December 6, 2023

22023 Goldman Sachs US Financial Services Conference Disclaimer CAUTION REGARDING FORWARD-LOOKING STATEMENTS The information contained or incorporated by reference in this presentation contains certain forward-looking statements, including, but not limited to, certain plans, expectations, goals, projections, and statements, which are not historical facts and are subject to numerous assumptions, risks, and uncertainties. Statements that do not describe historical or current facts, including statements about beliefs and expectations, are forward-looking statements. Forward-looking statements may be identified by words such as expect, anticipate, believe, intend, estimate, plan, target, goal, or similar expressions, or future or conditional verbs such as will, may, might, should, would, could, or similar variations. The forward-looking statements are intended to be subject to the safe harbor provided by Section 27A of the Securities Act of 1933, Section 21E of the Securities Exchange Act of 1934, and the Private Securities Litigation Reform Act of 1995. While there is no assurance that any list of risks and uncertainties or risk factors is complete, below are certain factors which could cause actual results to differ materially from those contained or implied in the forward-looking statements: changes in general economic, political, or industry conditions; deterioration in business and economic conditions, including persistent inflation, supply chain issues or labor shortages, instability in global economic conditions and geopolitical matters, as well as volatility in financial markets; the impact of pandemics, including the COVID-19 pandemic and related variants and mutations, and their impact on the global economy and financial market conditions and our business, results of operations, and financial condition; the impacts related to or resulting from recent bank failures and other volatility, including potential increased regulatory requirements and costs, such as FDIC special assessments, long-term debt requirements and heightened capital requirements, and potential impacts to macroeconomic conditions, which could affect the ability of depository institutions, including us, to attract and retain depositors and to borrow or raise capital; unexpected outflows of uninsured deposits which may require us to sell investment securities at a loss; rising interest rates which could negatively impact the value of our portfolio of investment securities; the loss of value of our investment portfolio which could negatively impact market perceptions of us and could lead to deposit withdrawals; the effects of social media on market perceptions of us and banks generally; cybersecurity risks; uncertainty in U.S. fiscal and monetary policy, including the interest rate policies of the Federal Reserve; volatility and disruptions in global capital and credit markets; movements in interest rates; transition away from LIBOR; competitive pressures on product pricing and services; success, impact, and timing of our business strategies, including market acceptance of any new products or services including those implementing our “Fair Play” banking philosophy; the nature, extent, timing, and results of governmental actions, examinations, reviews, reforms, regulations, and interpretations, including those related to the Dodd-Frank Wall Street Reform and Consumer Protection Act and the Basel III regulatory capital reforms, as well as those involving the OCC, Federal Reserve, FDIC, and CFPB; and other factors that may affect the future results of Huntington. Additional factors that could cause results to differ materially from those described above can be found in Huntington’s Annual Report on Form 10-K for the year ended December 31, 2022 and Quarterly Reports on Form 10-Q for the quarters ended March 31, 2023, June 30, 2023 and September 30, 2023, which are on file with the Securities and Exchange Commission (the “SEC”) and available in the “Investor Relations” section of Huntington’s website http://www.huntington.com, under the heading “Publications and Filings” and in other documents Huntington files with the SEC. All forward-looking statements speak only as of the date they are made and are based on information available at that time. Huntington does not assume any obligation to update forward-looking statements to reflect circumstances or events that occur after the date the forward-looking statements were made or to reflect the occurrence of unanticipated events except as required by federal securities laws. As forward-looking statements involve significant risks and uncertainties, caution should be exercised against placing undue reliance on such statements.

2023 Goldman Sachs US Financial Services Conference Huntington: A Purpose-Driven Company 3 OUR PURPOSE We make people’s lives better, help businesses thrive, and strengthen the communities we serve OUR VISION To be the leading People-First, Digitally Powered Bank Purpose and Vision Linked to Business Strategies Guided by Through-the-Cycle Aggregate Moderate-to-Low Risk Appetite

2023 Goldman Sachs US Financial Services Conference Key Messages 4 Rigorously managing credit quality, supported by disciplined client selection, underwriting, and portfolio management, aligned with our aggregate moderate-to-low risk appetite3 Driving capital ratios higher and managing CET1 ratio inclusive of AOCI2 Operating from a position of strength, optimizing loan growth to generate the highest returns, delivering expense efficiencies, and building investment capacity1 Seizing upon opportunities to further accelerate our organic growth strategies5 Growing deposit balances while supporting a well-managed beta, resulting in a robust funding and liquidity profile4

2023 Goldman Sachs US Financial Services Conference 2023 Year in Review: Demonstrated Strength and Stability 5 Financial Performance  Maintained loan growth, with YTD loan growth of $1.3 billion, or 1%, vs. peer median decline of 2%(4)  Delivered consistent YTD average deposit growth of $2.5 billion, or 2%, vs. peer median decline of 1%(4)  Drove CET1 ratio higher for 5 consecutive quarters; now managing to CET1 inclusive of AOCI  Protected capital and net interest income through dynamic balance sheet hedging program  Managed expenses to build investment capacity through proactive cost reduction program  Net charge-offs YTD of 20bps, well below through the cycle range of 25-45bps  Produced top quartile adjusted ROTCE  Sustained new customer acquisition with consumer primary bank customer growth of over 3% YoY  Completed business segment re-alignment to bolster team efficiencies while maintaining strong customer focus  Added Fund Finance to Commercial Specialty Banking capabilities  Increased Wealth Management advisory relationships 17% YoY  Bolstered payments capabilities including ChoicePay B2C, drove 8% increase in Treasury Management Fees(1) and 6% increase in Card Spend YoY  Completed the sale of Retirement Plan Services (RPS) business  Recognized for award-winning customer service and broad-based capabilities  #1 customer satisfaction in Consumer Banking - JD Power(2)  Top in customer satisfaction for mobile banking app among regional banks – JD Power(2)  #1 SBA 7(a) lender nationally 5 years in a row(3) Executing on Core Strategies See notes on slide 19

2023 Goldman Sachs US Financial Services Conference Operating from a Position of Strength 6 Peers include CFG, CMA, FITB, KEY, MTB, PNC, RF, TFC, USB, ZION See reconciliation on slide 17 (ROTCE), and notes on slide 19 Capital CET1 + ACL 3Q23 Deposits / Liquidity Liquidity(3) as % of Uninsured Deposits Credit NCO Since 4Q21 Earnings Adj. ROTCE ex AOCI 3Q23(1) Top Quartile Peer Median 11.8% Peer 10 Peer 9 Peer 8 Peer 7 Peer 6 Peer 5 Peer 4 Peer 3 Peer 2 HBAN Peer 1 204% Peer 9 Peer 8 Peer 3 Peer 4 Peer 1 Peer 6 Peer 2 Peer 7 Peer 5 Peer 10 HBAN 0.14% Peer 5 Peer 9 Peer 4 Peer 3 Peer 7 Peer 8 Peer 1 Peer 10 HBAN Peer 6 Peer 2 15.3% Peer 10 Peer 3 Peer 6 Peer 9 Peer 2 Peer 1 Peer 8 Peer 4 HBAN Peer 5 Peer 7 -6.7%(2)1.56% 2.94%6.88% Adj. CET1(1) 8.00% Deposit Growth Since 4Q21 +4.1% ACL % of Loans 1.96% NIM 3.20% Peer Median Peer Median Peer Median

2023 Goldman Sachs US Financial Services Conference 7.0% 7.3% 7.9% 8.1% 8.0% 2.3% 2.1% 1.6% 1.7% 2.1% 9.3% 9.4% 9.6% 9.8% 10.1% 3Q22 4Q22 1Q23 2Q23 3Q23 CET1 Adj. AOCI Adj. Driving Capital Levels Higher CET1 Ratio 7  Supporting modest loan growth, optimized for the highest return profile  Managing CET1 inclusive of AOCI  Protecting capital and net interest income against potential interest rate scenarios through proactive balance sheet management Management Approach CET1 Ratio (Reported and Adjusted for AOCI)(1)(2) CET1 Adj. AOCI Adj. CET1 Reported Target operating range 9 – 10%(1) Targeting 9% + Adj. CET1 10.6% 8.4% 8.0% 8.0% 7.6% 7.1% 6.6% 6.4% 6.3% 6.1% 6.0% 0.4% 2.0% 1.8% 2.1% 2.7% 2.6% 4.2% 3.5% 3.5% 3.7% 4.2% 11.0% 10.4% 9.8% 10.1% 10.3% 9.7% 10.8% 9.9% 9.8% 9.8% 10.2% Peer 1 Peer 3 Peer 8 HBAN Peer 4 Peer 5 Peer 2 Peer 9 Peer 7 Peer 10 Peer 6 See reconciliations on slide 18 (CET1) See peer list and notes on slide 19