Third Quarter 2022 Earnings Conference Call

Capital and liquidity position Capital and liquidity position Capital position 13.9% - 12.6% 11.9% 10.8% 12.6% 10.7% 10.1% 9.2% 9.1% 3Q21 2Q22 3Q22 Common Equity Tier 1 Tier 1 Total 114% 110% 111% $88.6 $85.8 $85.0 3Q21 2Q22 3Q22 LCR HQLA ($ B) Current quarter regulatory capital information is preliminary Commentary CET1 ratio was 9.1% - Sequential decline driven by strong 3.5% EOP loan growth and BenefitMall acquisition Increased dividend 8% to $0.52 per share in 3Q22 Overall, continue to maintain a strong capital position, particularly in the context of risk and profitability profile Liquidity position - Average LCR of 111% Average loan-to-deposit ratio of 74% TRUIST HH 16

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