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Format: PDF investor_presentation
Second Quarter 2022 Earnings Conference Call Bill Rogers – Chairman & CEO Daryl Bible – CFO July 19, 2022
Earnings Conference Call
Bill Rogers – Chairman & CEO
This presentation contains “forward-looking statements” within the meaning of the Private Securities Litigation Reform Act of 1995, regarding the financial condition, results of operations, business plans and the future performance of Truist. Words such as “anticipates,” “believes,”
“estimates,” “expects,” “forecasts,” “intends,” “plans,” “projects,” “may,” “will,” “should,” “would,” “could” and other similar expressions are intended to identify these forward-looking statements. In particular, forward looking statements include, but are not limited to, statements we make
about: (i) Truist’s ability to generate positive operating leverage in future periods, (ii) the benefits of Truist’s shift from integrating to operating, (iii) the benefits and expenses related to Truist’s investment in teammates, including through an increase in its minimum wage, (iv) the potential
associated with investments in digital capabilities offered by Truist and the timing for making new capabilities available, (v) future levels of adjusted and core revenue, fee income, including from service charges on deposits,, adjusted noninterest expense, net charge-off ratio, adjusted
PPNR, and net interest margin, (vi) the future benefits of Truist’s merger integration and conversion activities, (vii) projected amounts of merger-related and restructuring charges and incremental operating expenses related to the merger and the timing for elimination of such charges
and expenses, (viii) the amount of expense savings to be realized from the merger and the timing of such realization, (ix) Truist’s expectations for its CET1 ratio and share repurchases, (x) anticipated capital deployment in future periods, (xi) the effects of interest rate changes on Truist’s
net interest income, (xii) Truist’s medium-term performance targets with respect to return on tangible common equity and efficiency ratio, (xiii) projections of future dividends, (xiv) the future performance of Truist’s CRE business, and (xv) Truist’s prospects for continued loan growth in
Forward-looking statements are not based on historical facts but instead represent management’s expectations and assumptions regarding Truist’s business, the economy and other future conditions. Such statements involve inherent uncertainties, risks and changes in circumstances
that are difficult to predict. As such, Truist’s actual results may differ materially from those contemplated by forward-looking statements. While there can be no assurance that any list of risks and uncertainties or risk factors is complete, important factors that could cause actual results to
differ materially from those contemplated by forward-looking statements include the following, without limitation, as well as the risks and uncertainties more fully discussed under Part I, Item 1A-Risk Factors in our Annual Report on Form 10-K for the year ended December 31, 2021 and
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