Exhibit 99.2
HUNTINGTON BANCSHARES INCORPORATED
Quarterly Financial Supplement
December 31, 2022
Table of Contents
Quarterly Accruing Past Due Loans and Leases



Notes:
The preparation of financial statement data in conformity with accounting principles generally accepted in the United States (GAAP) requires management to make estimates and assumptions that affect amounts reported. Actual results could differ from those estimates. Certain prior period amounts have been reclassified to conform to the current period’s presentation.
Fully-Taxable Equivalent Basis
Interest income, yields, and ratios on a FTE basis are considered non-GAAP financial measures.  Management believes net interest income on a FTE basis provides a more accurate picture of the interest margin for comparison purposes.  The FTE basis also allows management to assess the comparability of revenue arising from both taxable and tax-exempt sources.  The FTE basis assumes a federal statutory tax rate of 21%.
Non-Regulatory Capital Ratios
In addition to capital ratios defined by banking regulators, the Company considers various other measures when evaluating capital utilization and adequacy, including:
Tangible common equity to tangible assets, and
Tangible common equity to risk-weighted assets using Basel III definition.
These non-regulatory capital ratios are viewed by management as useful additional methods of reflecting the level of capital available to withstand unexpected market conditions. Additionally, presentation of these ratios allows readers to compare the Company’s capitalization to other financial services companies. These ratios differ from capital ratios defined by banking regulators principally in that the numerator excludes preferred securities, the nature and extent of which varies among different financial services companies. These ratios are not defined in GAAP or federal banking regulations. As a result, these non-regulatory capital ratios disclosed by the Company may be considered non-GAAP financial measures.
Because there are no standardized definitions for these non-regulatory capital ratios, the Company’s calculation methods may differ from those used by other financial services companies. Also, there may be limits in the usefulness of these measures to investors. As a result, the Company encourages readers to consider the consolidated financial statements and other financial information contained in the related press release in their entirety, and not to rely on any single financial measure.







Huntington Bancshares Incorporated
Quarterly Key Statistics
(Unaudited)
Three Months Ended
(dollar amounts in millions, except per share data)December 31,September 30,December 31,Percent Changes vs.
2022202220213Q224Q21
Net interest income (2)
$1,471 $1,412 $1,138 %29 %
FTE adjustment(9)(8)(6)(13)(50)
Net interest income
1,462 1,404 1,132 29 
Provision for credit losses91 106 (64)(14)242 
Noninterest income499 498 515 — (3)
Noninterest expense1,077 1,053 1,221 (12)
Income before income taxes793 743 490 62 
Provision for income taxes144 146 88 (1)64 
Income after income taxes649 597 402 61 
Income attributable to non-controlling interest33 300 
Net income attributable to Huntington Bancshares Inc645 594 401 61 
Dividends on preferred shares28 29 28 (3)— 
Impact of preferred stock redemption— — (4)— 100 
Net income applicable to common shares$617 $565 $377 %64 
Net income per common share - diluted$0.42 $0.39 $0.26 %62 %
Cash dividends declared per common share
0.155 0.155 0.155 — — 
Tangible book value per common share at end of period
6.82 6.40 8.06 (15)
Number of common shares repurchased
— — 10 — (100)
Average common shares - basic
1,443 1,443 1,444 — — 
Average common shares - diluted
1,468 1,465 1,471 — — 
Ending common shares outstanding
1,443 1,443 1,438 — — 
Return on average assets
1.41 %1.31 %0.92 %
Return on average common shareholders’ equity
16.0 13.9 8.7 
Return on average tangible common shareholders’ equity (1)
26.0 21.9 13.2 
Net interest margin (2)
3.52 3.42 2.85 
Efficiency ratio (3)
54.0 54.4 73.0 
Effective tax rate18.2 19.7 18.0 
Average total assets
$181,292 $179,557 $173,672 
Average earning assets
165,545 164,024 158,692 
Average loans and leases
118,907 116,964 109,488 
Average loans and leases - linked quarter annualized growth rate
6.6 %10.6 %(0.7)%
Average total deposits
$145,672 $146,008 $142,303 — 
Average core deposits (4) 140,696 141,691 138,008 (1)
Average shareholders’ equity
17,458 18,317 19,375 (5)(10)
Average common total shareholders' equity
15,292 16,150 17,193 (5)(11)
Average tangible common shareholders' equity
9,563 10,413 11,675 (8)(18)
Total assets at end of period
182,906 179,402 174,064 
Total shareholders’ equity at end of period
17,731 17,136 19,297 (8)
NCOs as a % of average loans and leases
0.17 %0.15 %0.12 %
NAL ratio
0.48 0.51 0.64 
NPA ratio (5)0.50 0.53 0.67 
Allowance for loan and lease losses (ALLL) as a % of total loans and leases at the end of period
1.77 1.79 1.82 
Allowance for credit losses (ACL) as a % of total loans and leases at the end of period1.90 1.89 1.89 
Common equity tier 1 risk-based capital ratio (6)9.44 9.27 9.33 
Tangible common equity / tangible asset ratio (7)5.55 5.32 6.88 
See Notes to the Quarterly Key Statistics.
1


Huntington Bancshares Incorporated
Annual Key Statistics
(Unaudited)
Year Ended December 31,
Change
(dollar amounts in millions, except per share data)20222021
Amount
Percent
Net interest income (2)
$5,304 $4,127 $1,177 29 %
FTE adjustment(31)(25)(6)(24)
Net interest income
5,273 4,102 1,171 29 
Provision for credit losses289 25 264 NM
Noninterest income1,981 1,889 92 
Noninterest expense4,201 4,375 (174)(4)
Income before income taxes
2,764 1,591 1,173 74 
Provision for income taxes515 294 221 75 
Income after income taxes2,249 1,297 952 73 
Income attributable to non-controlling interest11 NM
Net income attributable to Huntington Bancshares Inc2,238 1,295 943 73 
Dividends on preferred shares113 131 (18)(14)
Impact of preferred stock redemption— 11 (11)(100)
Net income applicable to common shares
$2,125 $1,153 $972 84 %
Net income per common share - diluted
$1.45 $0.90 $0.55 61 %
Cash dividends declared per common share
0.62 0.605 0.015 
Average common shares - basic
1,441 1,262 179 14 
Average common shares - diluted
1,465 1,287 178 14 
Return on average assets
1.25 %0.85 %
Return on average common shareholders’ equity
13.2 7.9 
Return on average tangible common shareholders’ equity (1)
20.7 11.3 
Net interest margin (2)
3.25 2.95 
Efficiency ratio (3)
56.9 72.0 
Effective tax rate
18.6 18.5 
Average total assets
$178,768 $152,281 $26,487 17 %
Average earning assets
163,313 140,006 23,307 17 
Average loans and leases
115,266 96,818 18,448 19 
Average total deposits
144,912 124,310 20,602 17 
Average core deposits (4) 140,841 120,432 20,409 17 
Average shareholders’ equity
18,263 16,997 1,266 
Average common total shareholders' equity
16,096 14,569 1,527 10 
Average tangible common shareholders' equity
10,454 10,509 (55)(1)
NCOs as a % of average loans and leases
0.11 %0.22 %
NAL ratio
0.48 0.64 
NPA ratio (5)0.50 0.67 
NM - Not Meaningful
See Notes to the Year to Date and Quarterly Key Statistics.

2


Key Statistics Footnotes
(1)Net income applicable to common shares excluding expense for amortization of intangibles for the period divided by average tangible common shareholders’ equity. Average tangible common shareholders’ equity equals average total common shareholders’ equity less average intangible assets and goodwill. Expense for amortization of intangibles and average intangible assets are net of deferred tax liability, and calculated assuming a 21% tax rate.
(2)On a fully-taxable equivalent (FTE) basis assuming a 21% tax rate.
(3)Noninterest expense less amortization of intangibles divided by the sum of FTE net interest income and noninterest income excluding securities gains (losses).
(4)Includes noninterest-bearing and interest-bearing demand deposits, money market deposits, savings and other domestic deposits, and core certificates of deposit.
(5)NPAs include other nonperforming assets, which includes certain impaired securities and/or nonaccrual loans held for sale, and other real estate owned.
(6)December 31, 2022, figures are estimated.
(7)Tangible common equity (total common equity less goodwill and other intangible assets) divided by tangible assets (total assets less goodwill and other intangible assets). Other intangible assets are net of deferred tax liability, calculated at a 21% tax rate.
3


Huntington Bancshares Incorporated
Consolidated Balance Sheets
December 31,December 31,
(dollar amounts in millions)20222021
Percent Changes
(Unaudited)
Assets
Cash and due from banks
$1,796 $1,811 (1)%
Interest-bearing deposits at Federal Reserve Bank4,908 3,711 32 
Interest-bearing deposits in banks
214 392 (45)
Trading account securities
19 46 (59)
Available-for-sale securities
23,423 28,460 (18)
Held-to-maturity securities
17,052 12,447 37 
Other securities
854 648 32 
Loans held for sale
529 1,676 (68)
Loans and leases (1)
119,523 111,267 
Allowance for loan and lease losses
(2,121)(2,030)(4)
Net loans and leases
117,402 109,237 
Bank owned life insurance
2,753 2,765 — 
Accrued income and other receivables1,573 1,319 19 
Premises and equipment
1,156 1,164 (1)
Goodwill
5,571 5,349 
Servicing rights and other intangible assets712 611 17 
Other assets
4,944 4,428 12 
Total assets
$182,906 $174,064 %
Liabilities and shareholders’ equity
Liabilities
Deposits (2)
$147,914 $143,263 %
Short-term borrowings
2,027 334 507 
Long-term debt
9,686 7,108 36 
Other liabilities
5,510 4,041 36 
Total liabilities
165,137 154,746 
Shareholders' equity
Preferred stock
2,167 2,167 — 
Common stock
14 14 — 
Capital surplus
15,309 15,222 
Less treasury shares, at cost
(80)(79)(1)
Accumulated other comprehensive income (loss)(3,098)(229)(1,253)
Retained earnings3,419 2,202 55 
Total Huntington Bancshares Inc shareholders’ equity17,731 19,297 (8)
Non-controlling interest38 21 81 
Total equity17,769 19,318 (8)
Total liabilities and shareholders’ equity
$182,906 $174,064 %
Common shares authorized (par value of $0.01)
2,250,000,000 2,250,000,000 
Common shares outstanding
1,443,068,036 1,437,742,172 
Treasury shares outstanding
6,322,052 6,298,288 
Preferred stock, authorized shares
6,617,808 6,617,808 
Preferred shares outstanding
557,500 557,500 

(1)See page 5 for detail of loans and leases.
(2)See page 6 for detail of deposits.
4


Huntington Bancshares Incorporated
Loans and Leases Composition
(Unaudited)
December 31,September 30,June 30,March 31,December 31,
(dollar amounts in millions)20222022202220222021
Ending Balances by Type:
Total loans and leases
Commercial:
Commercial and industrial
$45,127 38 %$44,144 38 %$43,440 38 %$42,236 37 %$41,688 37 %
Commercial real estate:
Commercial
15,132 13 14,717 12 14,173 12 13,381 12 13,090 12 
Construction
1,502 1,739 1,522 2,010 1,871 
Commercial real estate
16,634 14 16,456 14 15,695 13 15,391 14 14,961 14 
Lease financing5,252 5,093 5,043 4,978 5,000 
Total commercial
67,013 56 65,693 56 64,178 55 62,605 55 61,649 55 
Consumer:
Residential mortgage22,226 19 21,816 18 21,220 18 19,942 18 19,256 17 
Automobile
13,154 11 13,430 11 13,622 12 13,480 12 13,434 12 
Home equity
10,375 10,440 10,426 10,343 10,550 
RV and marine
5,376 5,436 5,453 5,191 5,058 
Other consumer
1,379 1,332 1,322 1,256 1,320 
Total consumer
52,510 44 52,454 44 52,043 45 50,212 45 49,618 45 
Total loans and leases
$119,523 100 %$118,147 100 %$116,221 100 %$112,817 100 %$111,267 100 %
December 31,September 30,June 30,March 31,December 31,
(dollar amounts in millions)20222022202220222021
Ending Balances by Business Segment:
Commercial Banking$55,497 47 %$54,515 47 %$52,845 45 %$51,132 45 %$49,372 44 %
Consumer and Business Banking32,386 27 32,115 27 32,144 28 31,756 29 32,715 30 
Vehicle Finance21,741 18 21,707 18 21,848 19 21,344 19 20,968 19 
RBHPCG (Regional Banking and The Huntington Private Client Group)9,760 9,586 9,181 8,435 8,012 
Treasury / Other139 — 224 — 203 — 150 — 200 — 
Total loans and leases$119,523 100 %$118,147 100 %$116,221 100 %$112,817 100 %$111,267 100 %
Average Balances by Business Segment:
Commercial Banking$54,979 47 %$53,255 46 %$51,280 45 %$49,515 45 %$47,281 43 %
Consumer and Business Banking32,259 27 32,116 27 31,926 28 32,134 29 33,434 31 
Vehicle Finance21,721 18 21,748 19 21,601 19 21,155 19 20,598 19 
RBHPCG9,666 9,416 8,786 8,178 7,842 
Treasury / Other282 — 429 — 356 — 160 — 333 — 
Total loans and leases
$118,907 100 %$116,964 100 %$113,949 100 %$111,142 100 %$109,488 100 %

5


Huntington Bancshares Incorporated
Deposits Composition
(Unaudited)
December 31,September 30,June 30,March 31,December 31,
(dollar amounts in millions)20222022202220222021
Ending Balances by Type:
Demand deposits - noninterest-bearing
$38,242 26 %$40,762 28 %$42,131 29 %$43,824 29 %$43,236 30 %
Demand deposits - interest-bearing
43,136 29 43,673 30 41,433 28 42,099 29 39,837 28 
Money market deposits36,082 24 33,811 23 34,257 24 33,444 23 32,522 23 
Savings and other domestic deposits
20,357 14 21,274 15 21,583 15 21,716 15 21,088 15 
Core certificates of deposit (1)
4,324 2,115 2,103 2,358 2,740 
Total core deposits142,141 96 141,635 97 141,507 97 143,441 98 139,423 98 
Other domestic deposits of $250,000 or more220 — 186 — 221 — 274 — 359 — 
Negotiable CDS, brokered and other deposits
5,553 4,492 3,707 3,250 3,481 
Total deposits
$147,914 100 %$146,313 100 %$145,435 100 %$146,965 100 %$143,263 100 %
Total core deposits:
Commercial$64,107 45 %$65,151 46 %$63,629 45 %$64,013 45 %$61,521 44 %
Consumer78,034 55 76,484 54 77,878 55 79,428 55 77,902 56 
Total core deposits
$142,141 100 %$141,635 100 %$141,507 100 %$143,441 100 %$139,423 100 %
December 31,September 30,June 30,March 31,December 31,
(dollar amounts in millions)20222022202220222021
Ending Balances by Business Segment:
Commercial Banking$37,509 25 %$37,194 25 %$34,670 24 %$35,034 24 %$31,845 22 %
Consumer and Business Banking93,676 64 93,854 65 95,693 66 96,907 65 95,352 67 
Vehicle Finance1,136 1,173 1,291 1,323 1,401 
RBHPCG9,550 8,982 9,226 9,672 10,162 
Treasury / Other (2)6,043 5,110 4,555 4,029 4,503 
Total deposits
$147,914 100 %$146,313 100 %$145,435 100 %$146,965 100 %$143,263 100 %
Average Balances by Business Segment:
Commercial Banking$37,006 25 %$36,636 25 %$35,156 24 %$33,355 23 %$31,950 22 %
Consumer and Business Banking92,654 64 93,924 65 95,263 65 94,464 66 94,593 67 
Vehicle Finance1,171 1,252 1,257 1,289 1,501 
RBHPCG9,249 9,242 9,493 9,520 9,505 
Treasury / Other (2)5,592 4,954 3,839 4,289 4,754 
Total deposits
$145,672 100 %$146,008 100 %$145,008 100 %$142,917 100 %$142,303 100 %
(1)Includes consumer certificates of deposit of $250,000 or more.
(2)Comprised primarily of national market deposits.
6


Huntington Bancshares Incorporated
Consolidated Quarterly Average Balance Sheets
(Unaudited)
Quarterly Average Balances (1)
December 31,September 30,June 30,March 31,December 31,Percent Changes vs.
(dollar amounts in millions)202220222022202220213Q224Q21
Assets
Interest-bearing deposits at Federal Reserve Bank $4,615 $3,204 $3,532 $7,195 $7,227 44 %(36)%
Interest-bearing deposits in banks
305 260 161 174 521 17 (41)
Securities:
Trading account securities
29 24 30 46 51 21 (43)
Available-for-sale securities:
Taxable
20,467 21,677 21,672 24,205 23,895 (6)(14)
Tax-exempt
2,706 2,917 2,859 2,886 3,057 (7)(11)
Total available-for-sale securities
23,173 24,594 24,531 27,091 26,952 (6)(14)
Held-to-maturity securities - taxable
17,022 17,188 17,234 14,556 12,421 (1)37 
Other securities857 804 755 967 651 32 
Total securities
41,081 42,610 42,550 42,660 40,075 (4)
Loans held for sale
637 986 1,033 1,243 1,381 (35)(54)
Loans and leases: (2)
Commercial:
Commercial and industrial
44,747 43,598 42,689 41,397 40,582 10 
Commercial real estate:
Commercial
14,937 14,405 13,516 13,186 12,758 17 
Construction
1,676 1,697 1,760 1,877 1,820 (1)(8)
Commercial real estate
16,613 16,102 15,276 15,063 14,578 14 
Lease financing5,080 4,981 4,919 4,912 4,933 
Total commercial
66,440 64,681 62,884 61,372 60,093 11 
Consumer:
Residential mortgage
22,011 21,552 20,527 19,505 18,955 16 
Automobile13,284 13,514 13,557 13,463 13,355 (2)(1)
Home equity10,417 10,431 10,373 10,414 10,748 — (3)
RV and marine 5,408 5,454 5,317 5,103 5,040 (1)
Other consumer
1,347 1,332 1,291 1,285 1,297 
Total consumer
52,467 52,283 51,065 49,770 49,395 — 
Total loans and leases
118,907 116,964 113,949 111,142 109,488 
Total earning assets
165,545 164,024 161,225 162,414 158,692 
Cash and due from banks
1,650 1,697 1,669 1,648 1,695 (3)(3)
Goodwill and other intangible assets5,771 5,781 5,613 5,584 5,570 — 
All other assets
10,458 10,154 10,107 10,013 9,827 
Allowance for loan and lease losses
(2,132)(2,099)(2,053)(2,047)(2,112)(2)(1)
Total assets
$181,292 $179,557 $176,561 $177,612 $173,672 %%
Liabilities and shareholders’ equity
Interest-bearing deposits:
Demand deposits - interest-bearing
$42,705 $42,038 $41,712 $40,634 $38,441 %11 %
Money market deposits
34,390 34,058 33,791 32,672 32,400 
Savings and other domestic deposits
20,831 21,439 21,683 21,316 20,896 (3)— 
Core certificates of deposit (3)
2,926 2,040 2,228 2,560 2,909 43 
Other domestic deposits of $250,000 or more
198 193 225 316 452 (56)
Negotiable CDS, brokered and other deposits
4,777 4,124 2,981 3,453 3,843 16 24 
Total interest-bearing deposits
105,827 103,892 102,620 100,951 98,941 
Short-term borrowings
545 2,609 2,103 4,728 342 (79)59 
Long-term debt
12,650 8,251 7,024 6,914 7,674 53 65 
Total interest-bearing liabilities
119,022 114,752 111,747 112,593 106,957 11 
Demand deposits - noninterest-bearing
39,845 42,116 42,388 41,966 43,362 (5)(8)
All other liabilities
4,929 4,340 4,168 3,964 3,957 14 25 
Total Huntington Bancshares Inc shareholders’ equity17,458 18,317 18,228 19,064 19,375 (5)(10)
Non-controlling interest38 32 30 25 21 19 81 
Total equity17,496 18,349 18,258 19,089 19,396 (5)(10)
Total liabilities and shareholders’ equity
$181,292 $179,557 $176,561 $177,612 $173,672 %%
(1)Amounts include the effects of hedge and risk management activities associated with the respective asset and liability categories.
(2)Includes nonaccrual loans and leases.
(3)Includes consumer certificates of deposit of $250,000 or more.
7


Huntington Bancshares Incorporated
Consolidated Quarterly Net Interest Margin - Interest Income / Expense (1)(2)
(Unaudited)
Quarterly Interest Income / Expense
December 31,September 30,June 30,March 31,December 31,
(dollar amounts in millions)20222022202220222021
Assets
Interest-bearing deposits at Federal Reserve Bank $46 $19 $$$
Interest-bearing deposits in banks
— — 
Securities:
Trading account securities
— — — — 
Available-for-sale securities:
Taxable
198 165 123 90 77 
Tax-exempt
28 25 19 22 19 
Total available-for-sale securities
226 190 142 112 96 
Held-to-maturity securities - taxable
100 95 90 66 50 
Other securities
Total securities
335 292 239 183 150 
Loans held for sale
13 10 10 10 
Loans and leases:
Commercial:
Commercial and industrial578 490 415 392 393 
Commercial real estate:
Commercial220 169 115 97 102 
Construction28 21 16 17 17 
Commercial real estate248 190 131 114 119 
Lease financing66 63 61 61 61 
Total commercial892 743 607 567 573 
Consumer:
Residential mortgage183 174 158 146 141 
Automobile125 120 115 112 119 
Home equity172 143 115 102 109 
RV and marine61 59 55 52 54 
Other consumer36 32 30 28 29 
Total consumer577 528 473 440 452 
Total loans and leases
1,469 1,271 1,080 1,007 1,025 
Total earning assets
$1,863 $1,597 $1,337 $1,203 $1,188 
Liabilities
Interest-bearing deposits:
Demand deposits - interest-bearing
$102 $42 $11 $$
Money market deposits75 25 
Savings and other domestic deposits
Core certificates of deposit (3)
10 — — 
Other domestic deposits of $250,000 or more
— — — — 
Negotiable CDS, brokered and other deposits
45 23 
Total interest-bearing deposits
235 92 25 11 11 
Short-term borrowings
10 22 
Long-term debt
147 71 38 31 38 
Total interest-bearing liabilities392 185 70 49 50 
Net interest income
$1,471 $1,412 $1,267 $1,154 $1,138 
(1)Fully-taxable equivalent (FTE) income and expense calculated assuming a 21% tax rate. See page 10 for the FTE adjustment.
(2)Amounts include the effects of hedge and risk management activities associated with the respective asset and liability categories.
(3)Includes consumer certificates of deposit of $250,000 or more.


8


Huntington Bancshares Incorporated
Consolidated Quarterly Net Interest Margin - Yield
(Unaudited)
 Quarterly Average Rates
December 31,September 30,June 30,March 31,December 31,
Fully-taxable equivalent basis (1)
20222022202220222021
Assets
Interest-bearing deposits at Federal Reserve Bank3.99 %2.39 %0.80 %0.17 %0.15 %
Interest-bearing deposits in banks
5.72 3.31 1.32 0.15 0.06 
Securities:
Trading account securities
5.45 4.12 3.99 3.39 3.67 
Available-for-sale securities:
Taxable
3.87 3.06 2.25 1.49 1.29 
Tax-exempt
4.21 3.39 2.71 3.00 2.40 
Total available-for-sale securities
3.91 3.09 2.30 1.65 1.42 
Held-to-maturity securities - taxable
2.34 2.21 2.10 1.81 1.59 
Other securities4.15 3.21 3.62 1.88 2.18 
Total securities
3.26 2.74 2.24 1.72 1.49 
Loans held for sale
5.42 4.98 4.08 3.15 3.14 
Loans and leases: (3)
Commercial:
Commercial and industrial5.05 4.40 3.84 3.79 3.79 
Commercial real estate:
Commercial5.78 4.57 3.38 2.94 3.14 
Construction6.54 4.95 3.70 3.52 3.71 
Commercial real estate5.85 4.61 3.41 3.01 3.21 
Lease financing5.02 4.95 4.98 4.93 4.81 
Total commercial5.25 4.50 3.83 3.69 3.73 
Consumer:
Residential mortgage3.33 3.23 3.09 2.99 2.97 
Automobile3.74 3.53 3.40 3.38 3.53 
Home equity6.57 5.43 4.44 3.99 4.01 
RV and marine 4.45 4.29 4.12 4.15 4.31 
Other consumer10.38 9.55 9.08 8.96 9.06 
Total consumer4.37 4.02 3.70 3.57 3.64 
Total loans and leases
4.86 4.28 3.77 3.64 3.69 
Total earning assets
4.46 3.86 3.33 3.00 2.97 
Liabilities
Interest-bearing deposits:
Demand deposits - interest-bearing
0.94 0.40 0.10 0.03 0.03 
Money market deposits0.86 0.29 0.09 0.05 0.08 
Savings and other domestic deposits
0.03 0.02 0.02 0.02 0.02 
Core certificates of deposit (4)
1.42 0.10 0.07 0.14 — 
Other domestic deposits of $250,000 or more
1.31 0.35 0.23 0.08 0.18 
Negotiable CDS, brokered and other deposits
3.74 2.25 0.72 0.17 0.14 
Total interest-bearing deposits
0.88 0.35 0.10 0.04 0.05 
Short-term borrowings
7.71 3.31 1.40 0.57 0.09 
Long-term debt
4.66 3.40 2.16 1.83 1.93 
Total interest-bearing liabilities
1.31 0.64 0.25 0.18 0.18 
Net interest rate spread
3.15 3.22 3.08 2.82 2.79 
Impact of noninterest-bearing funds on margin
0.37 0.20 0.07 0.06 0.06 
Net interest margin
3.52 %3.42 %3.15 %2.88 %2.85 %
Commercial Loan Derivative Impact
(Unaudited)
Average Rates
20222022202220222021
Fully-taxable equivalent basis (1)
FourthThirdSecondFirstFourth
Commercial loans (2)(3)
5.68 %4.62 %3.69 %3.47 %3.53 %
Impact of commercial loan derivatives
(0.43)(0.12)0.14 0.22 0.20 
Total commercial - as reported
5.25 %4.50 %3.83 %3.69 %3.73 %
Average 1 Month LIBOR
3.89 %2.46 %1.01 %0.23 %0.09 %
Average SOFR3.61 %2.14 %0.70 %0.09 %— %
(1)Fully-taxable equivalent (FTE) yields are calculated assuming a 21% tax rate. See page 10 for the FTE adjustment.
(2)Yield/rates exclude the effects of hedge and risk management activities associated with the respective asset and liability categories.
(3)Includes nonaccrual loans and leases.
(4)Includes consumer certificates of deposit of $250,000 or more.
9


Huntington Bancshares Incorporated
Selected Quarterly Income Statement Data
(Unaudited)
Three Months Ended
(dollar amounts in millions, except per share data)December 31,September 30,June 30,March 31,December 31,
20222022202220222021
Interest income
$1,854 $1,589 $1,331 $1,195 $1,182 
Interest expense
392 185 70 49 50 
Net interest income
1,462 1,404 1,261 1,146 1,132 
Provision for credit losses91 106 67 25 (64)
Net interest income after provision for credit losses1,371 1,298 1,194 1,121 1,196 
Service charges on deposit accounts 89 93 105 97 101 
Card and payment processing income96 96 96 86 93 
Capital markets fees83 73 54 42 47 
Trust and investment management services61 60 63 65 63 
Mortgage banking income25 26 44 49 61 
Leasing revenue35 29 27 35 41 
Insurance income31 28 27 31 28 
Gain on sale of loans15 12 28 
Bank owned life insurance income15 13 11 17 22 
Net gains (losses) on sales of securities— — — — (1)
Other noninterest income62 65 46 49 59 
Total noninterest income
499 498 485 499 515 
Personnel costs630 614 577 580 632 
Outside data processing and other services147 145 153 165 269 
Equipment67 60 61 81 68 
Net occupancy61 63 58