Truist Financial (TFC) Fixed Income presentation summary

Strategic priorities and mission

• Focused on inspiring and building better lives and communities, with a mission to deliver secure, distinctive client experiences and empower teammates in an inclusive environment.

• Committed to optimizing long-term stakeholder value through safe, sound, and ethical practices.

• Values include trustworthiness, caring, teamwork, success, and happiness.

Business overview and market position

• Operates as a top-10 U.S. commercial bank with $556B in assets, serving over 15 million clients across 17 states and D.C.

• Maintains a diverse business mix: 32% branch banking, 19% commercial/corporate banking, 17% consumer lending, 11% wealth, 8% investment banking/capital markets, and others.

• Loan portfolio is 60% commercial and 40% consumer; deposit base is 74% interest-bearing.

Financial performance highlights (2Q26)

• Achieved $1.5B net income available to common shareholders and $1.23 diluted EPS, up 29% and 37% YoY, respectively.

• Return on average tangible common equity (ROTCE) improved to 15.4%, up 310 bps YoY.

• Revenue grew 5.5% YoY, with 17% increase in fee income led by a 72% rise in investment banking and trading.

• Delivered 320 bps of positive operating leverage and returned $1.8B to shareholders.