Welcome.® 2024 RBC Capital Markets Financial Institutions Conference The Huntington National Bank is Member FDIC. ®, Huntington® and Huntington. Welcome.® are federally registered service marks of Huntington Bancshares Incorporated. ©2024 Huntington Bancshares Incorporated. March 6, 2024

2024 RBC Capital Markets Financial Institutions Conference Disclaimer 2 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; 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, 2023, which is 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.

2024 RBC Capital Markets Financial Institutions 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

2024 RBC Capital Markets Financial Institutions Conference Key Messages Delivering high-quality loan growth, supported by core businesses and bolstered by investments in new markets and expertise2 Rigorously managing credit quality, supported by disciplined client selection, underwriting, and portfolio management, aligned with our aggregate moderate-to-low risk appetite4 Capitalizing on position of strength, leveraging robust capital base, executing growth initiatives and seizing upon opportunities to further accelerate1 Growing our granular deposit base and supporting a well-managed beta, while maintaining a leading funding and liquidity profile3 Maintaining focus on core strategies, driving adjusted CET1 higher, and poised to deliver earnings growth throughout 2024 and expand further into 20255 4

2024 RBC Capital Markets Financial Institutions Conference Operating from a Position of Strength 5 Data as of 4Q23 unless otherwise noted; Peers include CFG, CMA, FITB, KEY, MTB, PNC, RF, TFC, USB, ZION See reconciliations on slide 17 (ROTCE) and slide 18 (CET1) and notes on slide 19 Capital Adj. CET1(1) Deposits / Liquidity Liquidity(3) as % of Uninsured Deposits Credit NCO Since 4Q21 Earnings NIM Peer Median 0.16% Peer 7 Peer 8 Peer 4 Peer 2 Peer 6 Peer 1 Peer 3 Peer 9 HBAN Peer 10 Peer 5 3.07% Peer 9 Peer 3 Peer 7 Peer 6 Peer 2 Peer 10 Peer 5 Peer 8 HBAN Peer 4 Peer 1 -6.4%1.62% 14.3%11.6% CET1 + ACL 12.0% Deposit Growth Since 4Q21(2) +5.2% ACL % of Loans 1.97% Adj. ROTCE ex AOCI(1) (FY23) 15.0% Peer Median Peer Median Peer Median 8.6% Peer 10 Peer 9 Peer 8 Peer 7 Peer 6 Peer 5 Peer 4 Peer 3 HBAN Peer 2 Peer 1 206% Peer 2 Peer 8 Peer 3 Peer 10 Peer 1 Peer 4 Peer 7 Peer 6 Peer 5 Peer 9 HBAN Top Quartile

2024 RBC Capital Markets Financial Institutions ConferenceNote: $ in billions unless otherwise noted  Commercial portfolios drive majority of growth:  Led by existing businesses including auto floorplan, regional / business banking, and distribution finance  Bolstered by new expansion markets and industry verticals (Carolinas, fund finance, healthcare ABL, Native American fin. services)  Consumer portfolios also growing:  Powered by auto and RV / marine Differentiated Loan Growth Outlook 6 Drivers of Full Year 2024 Loan Growth $121.2 $120.8 $121.3 $120.4 $118.9 $117.0 $113.9 $111.1 $109.5 4Q243Q242Q241Q244Q233Q232Q231Q234Q223Q222Q221Q224Q21 Average Loan and Lease Growth +8.6% +2.0% $120.9 +3% to +5% FY23 Commercial Consumer FY24 Average Loan Growth Outlook • Auto Floorplan • Regional/ Business Banking • Distribution Finance • New Markets & Verticals • Auto • RV / Marine Expect Increasing Loan Growth Throughout 2024

2024 RBC Capital Markets Financial Institutions Conference Well-positioned to gain share in attractive, high-growth markets Seizing Opportunity in the Carolinas 7 Expect the Pace of Production to Increase Over the Course of 2024  5 regions staffed with experienced bankers  Building on existing coverage of corporate and specialty banking  Managing relationships locally and leveraging national expertise  Focused on middle market, corporate and specialty banking, regional banking, SBA, and practice finance. Full relationships with loans, deposits, capital markets, and payment revenues Triad Coastal S.C. Upstate S.C. Charlotte Raleigh / Durham $3B HBAN Loans at 12/31/23 #3 Projected Population Growth(1) #2 SBA Lender N. Carolina(3) #5 GDP Ranking Nationally(2) #4 SBA Lender S. Carolina(3) See notes on slide 19