Company: TFC
Filing Date: 2025-10-22
Form Type: 424B2
Source: 0001193125-25-245546
Chunk: 4

Company: TRUIST FINANCIAL CORP
Filing Date: 2025-10-22
Form: 424B2
Chunk 4
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 as a percentage of
loans and leases compared with the prior quarter. Excluding government guaranteed loans, the ratio of loans 90 days or more past due and still accruing as a percentage of loans and leases was 0.05% at September 30, 2025, up one basis point
compared to June 30, 2025.

Loans 30-89 days past due and still accruing totaled
$1.7 billion at September 30, 2025, down $68 million, or three basis points as a percentage of loans and leases, compared to the prior quarter primarily due to declines in the commercial and industrial, commercial real estate, and
residential mortgage portfolios, partially offset by an increase in the indirect auto portfolio.

The allowance for credit losses was
$5.3 billion at September 30, 2025 and included $5.0 billion for the allowance for loan and lease losses and $317 million for the reserve for unfunded commitments. The allowance for loan and lease losses (“ALLL”)
ratio at September 30, 2025 was 1.54%, flat compared with June 30, 2025. The ALLL covered nonperforming loans and leases held for investment 3.2x at September 30, 2025, compared to 3.9x at June 30, 2025. At September 30,
2025, the ALLL was 3.3x annualized net charge-offs, compared to 3.1x at June 30, 2025.

The provision for credit losses was
$436 million for the third quarter of 2025 compared to $488 million for the second quarter of 2025.

Dividends and Capital

Capital ratios remained above regulatory requirements for well capitalized banks. Truist’s CET1 ratio was 11.0% as of September 30,
2025, flat compared to June 30, 2025 as capital returned to shareholders and an increase in risk-weighted assets was offset by current quarter earnings.

PS-4

Truist declared common dividends of $0.52 per share during the third quarter of 2025 and repurchased $500 million of common stock. The dividend and total payout ratios for the third quarter of 2025 were 50% and 87%, respectively. Truist’s average consolidated Liquidity Coverage Ratio was 110% for the three months ended September 30, 2025, compared