Barclays Global Financial Services Conference

Credit Remains Relatively Stable, Lower Accommodations . Losses and NPL formation slower to develop than initially expected Continue efforts to sell NPLs - seeing strong liquidity and pricing No significant changes in higher impact industries Forbearance Loans with accommodations fell to less than half of the June 30 balances О Most commercial loans exited deferral and are paying similar to non-deferred loans Most second deferrals for commercial are within CRE, especially Hotel О Seeing strong payment performance for loans exiting deferrals in retail, even in subprime auto ■ ACL . Expect modest build in allowance Resilient risk profile TRUIST HH 20

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