Truist Financial Investor Presentation — July 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) our balance sheet

repositioning replacing TIH’s earnings contribution, (ii) continued delivery of new digital capabilities; (iii) expected commencement of share repurchases in the third quarter of 2024; (iv) Truist’s intention to maintain a strong common stock dividend; (v) future improvements in Truist’s expected stress

capital buffer; (vi) expectations of meeting long-term debt requirements through normal course debt issuance; (vii) guidance with respect to financial performance metrics in future periods, including future levels of revenues, adjusted expenses, and net charge-off ratio; (viii) Truist’s effective tax rate in

future periods; (ix) Truist’s strategic priorities for 2024; (x) scheduled office loan maturities in future years; and (xi) projections of preferred dividends.