Exhibit 99.2
HUNTINGTON BANCSHARES INCORPORATED
Quarterly Financial Supplement
June 30, 2023
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.
During the 2023 second quarter, Huntington revised its process for assessing and monitoring the risk and performance of non-real estate secured commercial loans, primarily loans to REITs. These loans were reclassified from commercial real estate to the commercial and industrial loan category to align reporting with this process revision. All prior period results have been adjusted to conform to the current presentation.
To align with our strategic priorities, during the second quarter 2023, we completed an organizational realignment and now report on two business segments: Consumer & Regional Banking and Commercial Banking. The Treasury / Other function includes technology and operations, other unallocated assets, liabilities, revenue, and expense. Huntington’s business segments are based on our internally-aligned segment leadership structure, which is how management monitors results and assesses performance. The organizational realignment primarily involved consolidating our previously reported Consumer and Business Banking, Vehicle Finance, and Regional Banking and The Huntington Private Client Group, into one new business segment called Consumer & Regional Banking. All prior period results have been adjusted to conform to the new segment 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)June 30,March 31,June 30,Percent Changes vs.
2023202320221Q232Q22
Net interest income (2)
$1,357 $1,418 $1,267 (4)%7 %
FTE adjustment(11)(9)(6)(22)(83)
Net interest income
1,346 1,409 1,261 (4)7 
Provision for credit losses92 85 67 8 37 
Noninterest income495 512 485 (3)2 
Noninterest expense1,050 1,086 1,018 (3)3 
Income before income taxes699 750 661 (7)6 
Provision for income taxes134 144 120 (7)12 
Income after income taxes565 606 541 (7)4 
Income attributable to non-controlling interest6 4 2 50 200 
Net income attributable to Huntington559 602 539 (7)4 
Dividends on preferred shares40 29 28 38 43 
Net income applicable to common shares$519 $573 $511 (9)%2 
Net income per common share - diluted$0.35 $0.39 $0.35 (10)%— %
Cash dividends declared per common share
0.155 0.155 0.155 — — 
Tangible book value per common share at end of period
7.33 7.32 6.96 — 5 
Average common shares - basic
1,446 1,443 1,441 — — 
Average common shares - diluted
1,466 1,469 1,463 — — 
Ending common shares outstanding
1,448 1,444 1,442 — — 
Return on average assets
1.18 %1.32 %1.22 %
Return on average common shareholders’ equity
12.7 14.6 12.8 
Return on average tangible common shareholders’ equity (1)
19.9 23.1 19.9 
Net interest margin (2)
3.11 3.40 3.15 
Efficiency ratio (3)
55.9 55.6 57.3 
Effective tax rate19.3 19.2 18.1 
Average total assets
$190,746 $184,894 $176,561 3 8 
Average earning assets
174,909 169,112 161,225 3 8 
Average loans and leases
121,345 120,420 113,949 1 6 
Average loans and leases - linked quarter annualized growth rate
3.1 %5.1 %10.1 %
Average total deposits
$145,559 $146,144 $145,008 — — 
Average core deposits (4) 140,736 141,077 141,802 — (1)
Average Huntington shareholders’ equity 18,844 18,231 18,228 3 3 
Average common total shareholders' equity
16,359 15,973 16,062 2 2 
Average tangible common shareholders' equity
10,662 10,253 10,496 4 2 
Total assets at end of period
188,505 189,070 178,782 — 5 
Total Huntington shareholders’ equity at end of period 18,788 18,758 17,950 — 5 
NCOs as a % of average loans and leases
0.16 %0.19 %0.03 %
NAL ratio
0.42 0.44 0.57 
NPA ratio (5)0.46 0.48 0.59 
Allowance for loan and lease losses (ALLL) as a % of total loans and leases at the end of period
1.80 1.77 1.78 
Allowance for credit losses (ACL) as a % of total loans and leases at the end of period1.93 1.90 1.87 
Common equity tier 1 risk-based capital ratio (6)9.82 9.55 9.05 
Tangible common equity / tangible asset ratio (7)5.80 5.77 5.80 
See Notes to the Quarterly Key Statistics.
1

Huntington Bancshares Incorporated
Year to Date Key Statistics
(Unaudited)
Six Months Ended June 30,
Change
(dollar amounts in millions, except per share data)20232022
Amount
Percent
Net interest income (2)
$2,775 $2,421 $354 15 %
FTE adjustment(20)(14)(6)(43)
Net interest income
2,755 2,407 348 14 
Provision for credit losses177 92 85 92 
Noninterest income1,007 984 23 2 
Noninterest expense2,136 2,071 65 3 
Income before income taxes
1,449 1,228 221 18 
Provision for income taxes278 225 53 24 
Income after income taxes1,171 1,003 168 17 
Income attributable to non-controlling interest10 4 6 150 
Net income attributable to Huntington1,161 999 162 16 
Dividends on preferred shares69 56 13 23 
Net income applicable to common shares
$1,092 $943 $149 16 %
Net income per common share - diluted
$0.74 $0.64 $0.10 16 %
Cash dividends declared per common share
0.31 0.31 — — 
Average common shares - basic
1,445 1,440 5 — 
Average common shares - diluted
1,468 1,464 4 — 
Return on average assets
1.25 %1.14 %
Return on average common shareholders’ equity
13.6 11.5 
Return on average tangible common shareholders’ equity (1)
21.5 17.8 
Net interest margin (2)
3.25 3.02 
Efficiency ratio (3)
55.7 60.0 
Effective tax rate
19.2 18.3 
Average total assets
$187,836 $177,084 $10,752 6 %
Average earning assets
172,026 161,816 10,210 6 
Average loans and leases
120,885 112,553 8,332 7 
Average total deposits
145,850 143,968 1,882 1 
Average core deposits (4) 140,906 140,482 424 — 
Average Huntington shareholders’ equity 18,539 18,644 (105)(1)
Average common total shareholders' equity
16,167 16,478 (311)(2)
Average tangible common shareholders' equity
10,459 10,927 (468)(4)
NCOs as a % of average loans and leases
0.17 %0.05 %
NAL ratio
0.42 0.57 
NPA ratio (5)0.46 0.59 
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)June 30, 2023, 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
June 30,December 31,
(dollar amounts in millions)20232022
Percent Changes
(Unaudited)
Assets
Cash and due from banks
$1,636 $1,796 (9)%
Interest-bearing deposits at Federal Reserve Bank9,443 4,908 92 
Interest-bearing deposits in banks
210 214 (2)
Trading account securities
128 19 574 
Available-for-sale securities
23,233 23,423 (1)
Held-to-maturity securities
16,578 17,052 (3)
Other securities
975 854 14 
Loans held for sale
545 529 3 
Loans and leases (1)
121,225 119,523 1 
Allowance for loan and lease losses
(2,177)(2,121)(3)
Net loans and leases
119,048 117,402 1 
Bank owned life insurance
2,757 2,753 — 
Accrued income and other receivables1,471 1,573 (6)
Premises and equipment
1,128 1,156 (2)
Goodwill
5,561 5,571 — 
Servicing rights and other intangible assets690 712 (3)
Other assets
5,102 4,944 3 
Total assets
$188,505 $182,906 3 %
Liabilities and shareholders' equity
Liabilities
Deposits (2)
$148,028 $147,914 — %
Short-term borrowings
1,680 2,027 (17)
Long-term debt
14,711 9,686 52 
Other liabilities
5,248 5,510 (5)
Total liabilities
169,667 165,137 3 
Shareholders' equity
Preferred stock
2,484 2,167 15 
Common stock
15 14 7 
Capital surplus
15,335 15,309 — 
Less treasury shares, at cost
(92)(80)(15)
Accumulated other comprehensive income (loss)(3,006)(3,098)3 
Retained earnings4,052 3,419 19 
Total Huntington shareholders’ equity18,788 17,731 6 
Non-controlling interest50 38 32 
Total equity18,838 17,769 6 
Total liabilities and equity$188,505 $182,906 3 %
Common shares authorized (par value of $0.01)
2,250,000,000 2,250,000,000 
Common shares outstanding
1,447,882,434 1,443,068,036 
Treasury shares outstanding
7,429,675 6,322,052 
Preferred stock, authorized shares
6,617,808 6,617,808 
Preferred shares outstanding
882,500 557,500 
(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)
June 30,March 31,December 31,September 30,June 30,
(dollar amounts in millions)20232023202220222022
Ending balances by type:
Total loans and leases
Commercial:
Commercial and industrial$49,834 41 %$50,039 42 %$48,121 41 %$46,724 40 %$45,653 40 %
Commercial real estate:
Commercial
11,750 10 12,132 10 12,138 10 12,137 10 11,960 10 
Construction
1,416 1 1,255 1 1,502 1 1,739 2 1,522 1 
Commercial real estate13,166 11 13,387 11 13,640 11 13,876 12 13,482 11 
Lease financing5,143 4 5,244 4 5,252 4 5,093 4 5,043 4 
Total commercial
68,143 56 68,670 57 67,013 56 65,693 56 64,178 55 
Consumer:
Residential mortgage23,138 19 22,472 19 22,226 19 21,816 18 21,220 18 
Automobile
12,819 11 13,187 11 13,154 11 13,430 11 13,622 12 
Home equity
10,135 8 10,166 8 10,375 9 10,440 9 10,426 9 
RV and marine
5,640 5 5,404 4 5,376 4 5,436 5 5,453 5 
Other consumer
1,350 1 1,280 1 1,379 1 1,332 1 1,322 1 
Total consumer
53,082 44 52,509 43 52,510 44 52,454 44 52,043 45 
Total loans and leases
$121,225 100 %$121,179 100 %$119,523 100 %$118,147 100 %$116,221 100 %
June 30,March 31,December 31,September 30,June 30,
(dollar amounts in millions)20232023202220222022
Ending balances by business segment:
Consumer & Regional Banking$65,374 54 %$64,387 53 %$64,080 54 %$63,603 54 %$63,355 55 %
Commercial Banking55,672 46 56,599 47 55,304 46 54,320 46 52,663 45 
Treasury / Other179 — 193 — 139 — 224 — 203 — 
Total loans and leases$121,225 100 %$121,179 100 %$119,523 100 %$118,147 100 %$116,221 100 %
Average balances by business segment:
Consumer & Regional Banking$64,782 54 %$64,209 54 %$63,836 54 %$63,468 55 %$62,484 55 %
Commercial Banking56,375 46 55,919 46 54,789 46 53,067 45 51,109 45 
Treasury / Other188 — 292 — 282 — 429 — 356 — 
Total loans and leases
$121,345 100 %$120,420 100 %$118,907 100 %$116,964 100 %$113,949 100 %

5

Huntington Bancshares Incorporated
Deposits Composition
(Unaudited)
June 30,March 31,December 31,September 30,June 30,
(dollar amounts in millions)20232023202220222022
Ending balances:
Total deposits by type:
Demand deposits - noninterest-bearing$33,340 23 %$36,789 25 %$38,242 26 %$40,762 28 %$42,131 29 %
Demand deposits - interest-bearing40,387 27 39,827 28 43,136 29 43,673 30 41,433 28 
Money market deposits40,534 28 37,276 26 36,082 24 33,811 23 34,257 24 
Savings and other domestic deposits18,294 12 19,546 13 20,357 14 21,274 15 21,583 15 
Core certificates of deposit (1)10,314 7 6,981 5 4,324 3 2,115 1 2,103 1 
Total core deposits142,869 97 140,419 97 142,141 96 141,635 97 141,507 97 
Other domestic deposits of $250,000 or more381 — 282 — 220 — 186 — 221 — 
Negotiable CDS, brokered and other deposits
4,778 3 4,577 3 5,553 4 4,492 3 3,707 3 
Total deposits$148,028 100 %$145,278 100 %$147,914 100 %$146,313 100 %$145,435 100 %
Total core deposits:
Commercial$61,450 43 %$61,132 44 %$64,107 45 %$65,151 46 %$63,629 45 %
Consumer81,419 57 79,287 56 78,034 55 76,484 54 77,878 55 
Total core deposits$142,869 100 %$140,419 100 %$142,141 100 %$141,635 100 %$141,507 100 %
Total deposits by business segment:
Consumer & Regional Banking$106,502 72 %$105,339 72 %$105,064 71 %$104,716 72 %$106,967 74 %
Commercial Banking36,459 25 34,660 24 36,807 25 36,487 25 33,913 23 
Treasury / Other5,067 3 5,279 4 6,043 4 5,110 3 4,555 3 
Total deposits$148,028 100 %$145,278 100 %$147,914 100 %$146,313 100 %$145,435 100 %
Average balances:
Total core deposits:
Commercial$61,304 44 %$63,423 45 %$65,128 46 %$65,278 46 %$63,921 45 %
Consumer79,432 56 77,654 55 75,568 54 76,414 54 77,881 55 
Total core deposits$140,736 100 %$141,077 100 %$140,696 100 %$141,692 100 %$141,802 100 %
Average deposits by business segment:
Consumer & Regional Banking$104,593 71 %$104,151 71 %$103,820 71 %$105,174 72 %$106,801 73 %
Commercial Banking35,752 25 36,288 25 36,260 25 35,880 25 34,368 24 
Treasury / Other5,214 4 5,705 4 5,592 4 4,954 3 3,839 3 
Total deposits$145,559 100 %$146,144 100 %$145,672 100 %$146,008 100 %$145,008 100 %
(1)Includes consumer certificates of deposit of $250,000 or more.


6

Huntington Bancshares Incorporated
Consolidated Quarterly Average Balance Sheets
(Unaudited)
Quarterly Average Balances (1)
June 30,March 31,December 31,September 30,June 30,Percent Changes vs.
(dollar amounts in millions)202320232022202220221Q232Q22
Assets
Interest-bearing deposits at Federal Reserve Bank $11,052 $6,101 $4,615 $3,204 $3,532 81 213 
Interest-bearing deposits in banks
229 249 305 260 161 (8)42 
Securities:
Trading account securities
34 21 29 24 30 62 13 
Available-for-sale securities:
Taxable
20,920 21,368 20,467 21,677 21,672 (2)(3)
Tax-exempt
2,745 2,640 2,706 2,917 2,859 4 (4)
Total available-for-sale securities
23,665 24,008 23,173 24,594 24,531 (1)(4)
Held-to-maturity securities - taxable
16,762 16,977 17,022 17,188 17,234 (1)(3)
Other securities1,263 886 857 804 755 43 67 
Total securities
41,724 41,892 41,081 42,610 42,550 — (2)
Loans held for sale
559 450 637 986 1,033 24 (46)
Loans and leases: (2)
Commercial:
Commercial and industrial
50,194 49,028 47,505 46,029 44,763 2 12 
Commercial real estate:
Commercial
12,062 12,282 12,179 11,974 11,442 (2)5 
Construction
1,280 1,400 1,676 1,697 1,760 (9)(27)
Commercial real estate
13,342 13,682 13,855 13,671 13,202 (2)1 
Lease financing5,155 5,209 5,080 4,981 4,919 (1)5 
Total commercial
68,691 67,919 66,440 64,681 62,884 1 9 
Consumer:
Residential mortgage
22,765 22,327 22,011 21,552 20,527 2 11 
Automobile12,927 13,245 13,284 13,514 13,557 (2)(5)
Home equity10,154 10,258 10,417 10,431 10,373 (1)(2)
RV and marine 5,478 5,366 5,408 5,454 5,317 2 3 
Other consumer
1,330 1,305 1,347 1,332 1,291 2 3 
Total consumer
52,654 52,501 52,467 52,283 51,065 — 3 
Total loans and leases
121,345 120,420 118,907 116,964 113,949 1 6 
Total earning assets
174,909 169,112 165,545 164,024 161,225 3 8 
Cash and due from banks
1,639 1,598 1,650 1,697 1,669 3 (2)
Goodwill and other intangible assets5,734 5,759 5,771 5,781 5,613 — 2 
All other assets
10,638 10,568 10,458 10,154 10,107 1 5 
Allowance for loan and lease losses
(2,174)(2,143)(2,132)(2,099)(2,053)(1)(6)
Total assets
$190,746 $184,894 $181,292 $179,557 $176,561 3 %8 %
Liabilities and shareholders' equity
Interest-bearing deposits:
Demand deposits - interest-bearing
$39,772 $40,654 $42,705 $42,038 $41,712 (2)%(5)%
Money market deposits
38,753 37,301 34,390 34,058 33,791 4 15 
Savings and other domestic deposits
18,826 19,877 20,831 21,439 21,683 (5)(13)
Core certificates of deposit (3)
8,820 5,747 2,926 2,040 2,228 53 296 
Other domestic deposits of $250,000 or more
320 252 198 193 225 27 42 
Negotiable CDS, brokered and other deposits
4,502 4,815 4,777 4,124 2,981 (7)51 
Total interest-bearing deposits
110,993 108,646 105,827 103,892 102,620 2 8 
Short-term borrowings
5,242 4,371 545 2,609 2,103 20 149 
Long-term debt
16,252 11,047 12,650 8,251 7,024 47 131 
Total interest-bearing liabilities
132,487 124,064 119,022 114,752 111,747 7 19 
Demand deposits - noninterest-bearing
34,566 37,498 39,845 42,116 42,388 (8)(18)
All other liabilities
4,796 5,056 4,929 4,340 4,168 (5)15 
Total liabilities171,849 166,618 163,796 161,208 158,303 3 9 
Total Huntington shareholders’ equity18,844 18,231 17,458 18,317 18,228 3 3 
Non-controlling interest53 45 38 32 30 18 77 
Total equity18,897 18,276 17,496 18,349 18,258 3 3 
Total liabilities and equity$190,746 $184,894 $181,292 $179,557 $176,561 3 %8 %
(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
June 30,March 31,December 31,September 30,June 30,
(dollar amounts in millions)20232023202220222022
Assets
Interest-bearing deposits at Federal Reserve Bank $141 $71 $46 $19 $7 
Interest-bearing deposits in banks
5 5 5 2 1 
Securities:
Trading account securities
1 — — — 1 
Available-for-sale securities:
Taxable
252 232 198 165 123 
Tax-exempt
33 29 28 25 19 
Total available-for-sale securities
285 261 226 190 142 
Held-to-maturity securities - taxable
102 102 100 95 90 
Other securities11 10 9 7 6 
Total securities
399 373 335 292 239 
Loans held for sale
8 7 8 13 10 
Loans and leases:
Commercial:
Commercial and industrial746 686 613 515 427 
Commercial real estate:
Commercial217 207 185 144 103 
Construction26 26 28 21 16 
Commercial real estate243 233 213 165 119 
Lease financing71 68 66 63 61 
Total commercial1,060 987 892 743 607 
Consumer:
Residential mortgage200 190 183 174 158 
Automobile134 129 125 120 115 
Home equity187 181 172 143 115 
RV and marine63 58 61 59 55 
Other consumer39 36 36 32 30 
Total consumer623 594 577 528 473 
Total loans and leases
1,683 1,581 1,469 1,271 1,080 
Total earning assets
$2,236 $2,037 $1,863 $1,597 $1,337 
Liabilities
Interest-bearing deposits:
Demand deposits - interest-bearing
$167 $132 $102 $42 $11 
Money market deposits255 172 75 25 8 
Savings and other domestic deposits
6 3 2 1 1 
Core certificates of deposit (3)
83 43 10 1 — 
Other domestic deposits of $250,000 or more
2 2 1 — — 
Negotiable CDS, brokered and other deposits
57 54 45 23 5 
Total interest-bearing deposits
570 406 235 92 25 
Short-term borrowings
74 60 10 22 7 
Long-term debt
235 153 147 71 38 
Total interest-bearing liabilities879 619 392 185 70 
Net interest income
$1,357 $1,418 $1,471 $1,412 $1,267 
(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
June 30,March 31,December 31,September 30,June 30,
Fully-taxable equivalent basis (1)
20232023202220222022
Assets
Interest-bearing deposits at Federal Reserve Bank5.12 %4.65 %3.99 %2.39 %0.80 %
Interest-bearing deposits in banks
7.79 8.50 5.72 3.31 1.32 
Securities:
Trading account securities
4.92 5.37 5.45 4.12 3.99 
Available-for-sale securities:
Taxable
4.82 4.34 3.87 3.06 2.25 
Tax-exempt
4.87 4.40 4.21 3.39 2.71 
Total available-for-sale securities
4.83 4.35 3.91 3.09 2.30 
Held-to-maturity securities - taxable
2.42 2.41 2.34 2.21 2.10 
Other securities3.47 4.35 4.15 3.21 3.62 
Total securities
3.82 3.56 3.26 2.74 2.24 
Loans held for sale
6.05 5.85 5.42 4.98 4.08 
Loans and leases: (3)
Commercial:
Commercial and industrial5.87 5.60 5.06 4.37 3.78 
Commercial real estate:
Commercial7.14 6.73 5.93 4.72 3.53 
Construction7.96 7.40 6.54 4.95 3.70 
Commercial real estate7.22 6.80 6.01 4.75 3.56 
Lease financing5.45 5.25 5.02 4.95 4.98 
Total commercial6.10 5.82 5.25 4.50 3.83 
Consumer:
Residential mortgage3.51 3.41 3.33 3.23 3.09 
Automobile4.17 3.94 3.74 3.53 3.40 
Home equity7.42 7.14 6.57 5.43 4.44 
RV and marine 4.59 4.42 4.45 4.29 4.12 
Other consumer11.59 11.18 10.38 9.55 9.08 
Total consumer4.74 4.57 4.37 4.02 3.70 
Total loans and leases
5.51 5.27 4.86 4.28 3.77 
Total earning assets
5.13 4.89 4.46 3.86 3.33 
Liabilities
Interest-bearing deposits:
Demand deposits - interest-bearing
1.68 1.32 0.94 0.40 0.10 
Money market deposits2.64 1.87 0.86 0.29 0.09 
Savings and other domestic deposits
0.11 0.07 0.03 0.02 0.02 
Core certificates of deposit (4)
3.78 3.01 1.42 0.10 0.07 
Other domestic deposits of $250,000 or more
3.27 2.45 1.31 0.35 0.23 
Negotiable CDS, brokered and other deposits
5.07 4.56 3.74 2.25 0.72 
Total interest-bearing deposits
2.06 1.52 0.88 0.35 0.10 
Short-term borrowings
5.70 5.56 7.71 3.31 1.40 
Long-term debt
5.79 5.52 4.66 3.40 2.16 
Total interest-bearing liabilities
2.66 2.02 1.31 0.64 0.25 
Net interest rate spread
2.47 2.87 3.15 3.22 3.08 
Impact of noninterest-bearing funds on margin
0.64 0.53 0.37 0.20 0.07 
Net interest margin
3.11 %3.40 %3.52 %3.42 %3.15 %
Commercial Loan Derivative Impact
(Unaudited)
Average Rates
20232023202220222022
Fully-taxable equivalent basis (1)
SecondFirstFourthThirdSecond
Commercial loans (2)(3)
6.82 %6.42 %5.68 %4.62 %3.69 %
Impact of commercial loan derivatives
(0.72)(0.60)(0.43)(0.12)0.14 
Total commercial - as reported
6.10 %5.82 %5.25 %4.50 %3.83 %
Average 1 Month LIBOR
5.09 %4.62 %3.89 %2.46 %1.01 %
Average SOFR4.97 %4.50 %3.61 %2.14 %0.70 %
(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)June 30,March 31,December 31,September 30,June 30,
20232023202220222022
Interest income
$2,225 $2,028 $1,854 $1,589 $1,331 
Interest expense
879 619 392 185 70 
Net interest income1,346 1,409 1,462 1,404 1,261 
Provision for credit losses92 85 91 106 67 
Net interest income after provision for credit losses1,254 1,324 1,371 1,298 1,194 
Service charges on deposit accounts 87 83 89 93 105 
Card and payment processing income102 93 96 96 96 
Capital markets fees57 59 83 73 54 
Trust and investment management services68 62 61 60 63 
Mortgage banking income33 26 25 26 44 
Leasing revenue25 26 35 29 27 
Insurance income30 34 31 28 27 
Gain on sale of loans8 3 2 15 12 
Bank owned life insurance income16 16 15 13 11 
Net (losses) gains on sales of securities(5)1 — — — 
Other noninterest income74 109 62 65 46 
Total noninterest income
495 512 499 498 485 
Personnel costs613 649 630 614 577 
Outside data processing and other services148 151 147 145 153 
Equipment64 64 67 60 61 
Net occupancy54 60 61 63 58 
Marketing32 25 22 24 24 
Professional services21 16 21 18 19 
Deposit and other insurance expense23