Third Quarter 2022 Earnings Conference Call

M&A related financial impacts ($ MM) Purchase accounting accretion Amortization of intangibles Merger-related and restructuring charges Incremental operating expenses related to the merger 1Q21 $340 $144 $141 $175 2Q21 308 142 297 190 3Q21 255 145 173 191 4Q21 237 143 212 215 1Q22 210 137 216 202 2Q22 204 143 120 117 3Q22 113 140 62 90 4Q22E 95 150 40 60 1Q23E 90 140 2Q23E 80 130 No costs for the MOE 3Q23E 80 130 No longer applicable and will not be in expense base 4Q23E 70 130 FY 2021 $1,140 $574 $823 FY 2022E 622 570 438 $771 469 FY 2023E 320 530 N/A N/A Amounts for future periods are based on Company projections TRUIST HH A-5

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