Truist Financial Investor Presentation — April 2024

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Earnings Conference Call

Bill Rogers – Chairman & CEO

From time to time we have made, and in the future will make, forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. These statements can be identified by the fact that they do not relate strictly to historical or current facts. Forward-looking statements

often use words such as “believe,” “expect,” “anticipate,” “intend,” “pursue,” “seek,” “continue,” “estimate,” “project,” “outlook,” “forecast,” “potential,” “target,” “objective,” “trend,” “plan,” “goal,” “initiative,” “priorities,” or other words of comparable meaning or future-tense or conditional verbs such as

“may,” “will,” “should,” “would,” or “could.” Forward-looking statements convey our expectations, intentions, or forecasts about future events, circumstances, or results. In particular, forward looking statements include, but are not limited to, statements we make about: (i) the impact of the sale of

Truist’s remaining stake in Truist Insurance Holdings on Truist; (ii) a planned evaluation of balance sheet repositioning; (iii) expectations of being positioned for share repurchases in late 2024 and/or future years; (iv) continued delivery of new digital capabilities; (v) Truist’s expected CET1 ratio in

future periods; (vi) guidance with respect to financial performance metrics in future periods, including future levels of revenues, adjusted expenses, and net charge-off ratio; (vii) Truist’s effective tax rate in future periods; (viii) Truist’s strategic priorities for 2024; and (ix) projections of preferred

dividends in 2024 and subsequent years.

This presentation, including any information incorporated by reference in this presentation, contains forward-looking statements. We also may make forward-looking statements in other documents that are filed or furnished with the SEC. In addition, we may make forward-looking statements orally or