Sustainability Accounting Standards Board (SASB) Index

The index below includes SASB standards for the Financial Sector that we have determined to be most relevant for our business: Commercial Banks and Consumer Finance. All disclosures are based on Version 2023-12 of the SASB standards. Unless otherwise noted, all data and descriptions apply to our entire enterprise and are as of or for the year ended December 31, 2023. Certain information is not disclosed within the index below because that information (i) is not considered material or is privileged or confidential; (ii) could cause a competitive disadvantage to our business if publicly disseminated; or (iii) is not currently collected in a manner wholly correlative with the related SASB metric.

Reporting Status

Fully reporting

Partially reporting

Not reported

Commercial Banks

Commercial Banks Data Table
SASB Code	Accounting Metric	Response
Data Security
FN-CB-230a.1	(1) Number of data breaches (2) Percentage involving personally identifiable information (PII) (3) Number of account holders affected	(1) We have not experienced any material losses or other material consequences relating to technology failure, cyber attacks, or other information or security breaches. (2) Not currently disclosed (3) Not currently disclosed
FN-CB-230a.2	Description of approach to identifying and addressing data security risks	2023 ESG Report, pp. 54-59: "Security & Privacy" 2023 Annual Report, pp. 31-34: "Operational Risk;" pp. 41-42: "Reputational Risk, Item 1C"
Financial Inclusion & Capacity Building
FN-CB-240a.1	(1) Number and (2) amount of loans outstanding that qualify for programs designed to promote small business and community development.	2023 ESG Report, p. 19: "2023 Small-Business Lending Highlights" and "2023 Active Microfinance Loans;" pp. 22-23: "Community Plan Investment Progress" and "Community Development Loans & Investments" 2023 Annual Report, p. 20: Overall CRA discussion Huntington Community Plan
FN-CB-240a.2	(1) Number and (2) Amount of past due and nonaccrual loans qualified to programs designed to promote small business and community development	(1) Not disclosed (2) Not disclosed
FN-CB-240a.3	Number of no-cost retail checking accounts provided to previously unbanked or underbanked customers	Not disclosed
FN-CB-240.4	Number of participants in financial literacy initiatives for unbanked, underbanked, or underserved customers	In 2023, 868 Huntington colleagues partnered with over 406 organizations, providing nearly 6,300 hours of financial education to LMI adults and children.
Incorporation of Environmental, Social, and Governance Factors in Credit Analysis
FN-CB-410a.2	Description of approach to incorporation of environmental, social, and governance (ESG) factors into credit analysis.	2023 ESG Report, p. 29: "Risk Management;" p. 52: "A Global View of Risk" 2023 Climate Report, p. 19: "Climate-Related Credit Decisioning Guidance" 2024 Proxy Report, pp. 72-82: Overview of ESG Climate Risk Statement
FN-CB-410b.1	Absolute gross financed emissions, disaggregated by (1) Scope 1, (2) Scope 2, and (3) Scope 3.	2023 Climate Report, pp. 21-22: “Metrics and Targets”
FN-CB-410b.2	Gross exposure for each industry by asset class.	Basel III Regulatory Capital Disclosures, p. 10: “Total Credit Risk Exposure”;
FN-CB-410b.3	Percentage of gross exposure included in the financed emissions category.	2023 Climate Report, p 19: “Climate-related Credit Decisioning Guidance;” p 22: “Scope 3 Emissions"
FN-CB-410b.4	Description of the methodology use to calculate financed emissions.	2023 Climate Report, pp. 12-13: "Huntington's Decarbonization Framework"
Business Ethics
FN-CB-510a.1	Total amount of monetary losses as a result of legal proceedings associated with fraud, insider trading, anti-trust, anti-competitive behavior, market manipulation, malpractice, or other related financial industry laws or regulations	2023 Annual Report, pp. 155-156: Footnote 22 “Commitments and Contingent Liabilities”
FN-CB-510a.2	Description of whistleblower policies and procedures	2023 ESG Report, p. 50: "Reporting and Addressing Critical Concerns"
Systemic Risk Management
FN-CB-550a.1	Global Systemically Important Bank (G-SIB) score, by category	Not relevant, Federal Reserve has deemed Huntington a Category IV bank (various Fed CCAR disclosures)
FN-CB-550a.2	Description of approach to incorporation of results of mandatory and voluntary stress tests into capital adequacy planning, longterm corporate strategy, and other business activities	2023 Annual Report, p. 12: "Enhanced Prudential Standards;" pp. 14-15: "Capital and Stress Testing" Basel III Regulatory Capital Disclosures, p. 6: "Capital Adequacy"

Commercial Banks Data Table
SASB Code	Activity Metric	Reporting Status	Response
FN-CB-000.A	(1) Number and (2) Value of checking and savings accounts by segment: (a) personal and (b) small business		(1a) 4,302,997 Consumer checking accounts; 1,846,603 Consumer savings accounts (1b) 442,756 Business Banking checking accounts; 28,831 Business Banking savings accounts (2a) $23,818,611,985 Consumer checking account average balance; $15,165,865,074 Consumer savings account average balance (2b) $13,100,601,184 Business Banking checking account average balance; $425,737,973 Business Banking savings account average balance
FN-CB-000.B	(1) Number and (2) Value of loans by segment: (a) personal, (b) small business, and (c) corporate		(1a) 1,456,659 personal loans1 (2a) $52,343,276,016 in personal loans1 (1b) 78,113 business loans (2b) $7,664,506,307 in business loans (1c) 146,216 corporate loans (2c) $64,448,678,273 in corporate loans

Consumer Finance

Consumer Finance Data Table
SASB Code	Accounting Metric	Response
Customer Privacy
FN-CF-220a.1	Number of account holders whose information is used for secondary purposes	2023 ESG Report, pp. 54-55: "Managing Cybersecurity Risk"
FN-CF-220a.2	Total amount of monetary losses as a result of legal proceedings associated with customer privacy	2023 Annual Report, pp. 155-156: Footnote 22 “Commitments and Contingent Liabilities”
Data Security
FN-CF-230a.1	(1) Number of data breaches, (2) Percentage involving personally identifiable information (PII), (3) Number of account holders affected	(1) We have not experienced any material losses or other material consequences relating to technology failure, cyber-attacks, or other information or security breaches. (2) Not currently disclosed (3) Not currently disclosed
FN-CF-230a.2	Card-related fraud losses from (1) Card-notpresent fraud and (2) Card-present and other fraud	(1) 2023 ESG Report, pp. 54-59: "Security & Privacy" (2) Not separately reported
FN-CF-230a.3	Description of approach to identifying and addressing data security risks	2023 ESG Report, pp. 54-59: "Security & Privacy" 2023 Annual Report, pp. 31-34: "Operational Risk;" pp. 41-42: "Reputational Risk, Item 1C"
Selling Practices
FN-CF-270a.1	Percentage of total remuneration for covered employees that is variable and linked to the amount of products and services sold	2024 Proxy Report, pp. 85, 87-88, 92-93, 111-113 Huntington does not report on this type of compensation for business line colleagues and managers. Code of Business Conduct and Ethics and Recoupment Policy: https://www.huntington.com/About-Us/corporate-governance
FN-CF-270a.2	Approval rate for (1) Credit and (2) Pre-paid products for applicants with FICO scores above and below 660	(1) Not disclosed (2) N/A
FN-CF-270a.3	(1) Average fees from add-on products, (2) Average APR, (3) Average age of accounts, (4) Average number of trade lines, and (5) Average annual fees for pre-paid products, for customers with FICO scores above and below 660	Not disclosed
FN-CF-270a.4	(1) Number of complaints filed with the Consumer Financial Protection Bureau (CFPB), (2) percentage with monetary or nonmonetary relief, (3) percentage disputed by consumer, (4) percentage that resulted in investigation by the CFPB	Not disclosed
FN-CF-270a.5	Total amount of monetary losses as a result of legal proceedings associated with selling and servicing of products	2023 Annual Report, pp. 155-156: Footnote 22 “Commitments and Contingent Liabilities”

Consumer Finance Data Table
SASB Code	Activity Metric	Reporting Status	Response
FN-CF-000.A	Number of unique customers with an active (1) credit card account and (2) pre-paid debit card account.		(1) 502,274 (2) N/A
FN-CF-000.B	Number of (1) credit card accounts and (2) pre-paid debit card accounts		(1) 516,398 (2) N/A