Internal Use Welcome.® 2024 Annual Shareholders’ Meeting April 17, 2024 The Huntington National Bank is Member FDIC. ®, Huntington® and Huntington. Welcome.® are federally registered service marks of Huntington Bancshares Incorporated. ©2024 Huntington Bancshares Incorporated.

2024 Annual Shareholders’ Meeting 2 Deeply Engaged, Diverse Board of Directors Stephen Steinour Chairman, President, and CEO Huntington Bancshares Incorporated President and CEO The Huntington National Bank Ann (Tanny) Crane President and CEO Crane Group Company Gina France CEO and President France Strategic Partners LLC Katherine (Allie) Kline Founding Principal LEO DIX Kenneth Phelan Senior Advisor Oliver Wyman, Inc. Former CRO U.S. Department of Treasury Michael Hochschwender CEO The Smithers Group, Inc. Richard Neu Retired Chairman MCG Capital Corporation David Porteous Attorney McCurdy, Wotila & Porteous, P.C. Lead Director Huntington Bancshares Incorporated Alanna Cotton President and Chief Business Officer Ferrero North America Richard King Chairman, Metropolitan Airports Commission, Minneapolis/St. Paul Former Senior Executive Thomson Reuters Roger Sit CEO, Global Chief Investment Officer, and Director Sit Investments Associates Gary Torgow Chairman The Huntington National Bank Jeffrey Tate CFO Dow, Inc. Rafael Andres Diaz-Granados Chairman and CEO TransForce, Inc. John C. (Chris) Inglis Former U.S. National Cyber Director

2024 Annual Shareholders’ Meeting 3 Welcome.®

2024 Annual Shareholders’ Meeting 4 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; 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.

Chairman’s Presentation: Discussion Topics 2023 Year in Review Business / Strategy Update

2024 Annual Shareholders’ Meeting 6 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 Huntington: A Purpose-Driven Company

2024 Annual Shareholders’ Meeting 7 2023 Review | Performing Through a Dynamic Environment Executing Core Strategies Building on Position of Strength  Maintained new customer acquisition momentum with consumer primary bank relationship (PBR) growth of 3% and business PBR of 5% YoY, supporting sustained core deposit growth over the course of the year  Completed Consumer and Regional Banking re-alignment, maintaining customer focus, and realizing synergies  Drove additional efficiencies through branch consolidations, staffing efficiencies, voluntary retirement program, Operation Accelerate, business process offshoring and corporate real estate consolidations  Continued progress in strategic fee revenue areas, including capital markets, payments, and wealth management  Bolstered Commercial Banking growth opportunities through addition of 3 new industry verticals and expansion into the Carolinas  Produced attractive and top tier adjusted ROTCE of 19.4% (GAAP ROTCE of 17.6%)  Managed CET1 ratio higher to 10.3% (8.6% adjusted CET1)  Protected capital and net interest income through dynamic balance sheet management and hedging programs  Well-managed credit quality, aligned with aggregate moderate-to-low risk appetite, and FY23 NCOs of 23 bps Loan Growth YoY (EOP) Consumer +2.2% Commercial +1.9% $2.5B +2.1% Deposit Growth YoY (EOP) $3.3B +2.2% Core Deposits +2.3% Revenue FY23 $7.4B +1.6% Net Interest Income +3.3% Balance Sheet Strength See reconciliations on slide 17 (ROTCE) and slide 18 (CET1) Adj. CET1 8.6% 206% Uninsured Deposit Coverage