Truist Financial Corp Results Presentation Deck

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

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