Third Quarter 2022 Earnings Conference Call

Asset quality Asset quality remains excellent, reflecting our prudent risk culture and diverse portfolio Net Charge-Offs Continued strong credit performance; sequential and YoY trends driven by normalizing trends and seasonality within consumer portfolios $213 $182 $178 $159 Provision / (Benefit) for Credit Losses Provision expense increased sequentially as a result of increased consumer net charge-offs $234 $135 $171 0.27% ($103) ($95) 0.25% 0.25% 0.22% 0.19% 3Q21 4Q21 1Q22 2Q22 3Q22 ($324) 3Q21 4Q21 1Q22 2Q22 3Q22 NCO NCO ratio Nonperforming Loans / LHFI Leading indicators (NPL, early stage delinquencies) remain strong ALLL ALLL ratio declined 4 bps given strong portfolio performance and growth in higher quality loans, partially offset by moderately slower economic outlook 0.38% 0.38% $4,702 8.8X $4,435 6.1X 0.36% 0.36% $4,170 5.8X $4,187 6.5X $4,205 5.0X 0.35% 1.65% 1.53% 1.44% 1.38% 1.34% 3Q21 4Q21 1Q22 2Q22 3Q22 3Q21 4Q21 1Q22 2Q22 3Q22 ALLL ALLL ratio ALLL/NCO TRUIST HH 15

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