Company: TFC
Filing Date: 2025-10-22
Form Type: 424B2
Source: 0001193125-25-245546
Chunk: 5

Company: TRUIST FINANCIAL CORP
Filing Date: 2025-10-22
Form: 424B2
Chunk 5
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 to the regulatory minimum of 100%. Non-GAAP Financial Measures This pricing supplement contains financial information and performance measures determined by methods other than in accordance with generally accepted accounting principles in the United States of America (“GAAP”). Truist’s management uses these “non-GAAP” measures in their analysis of Truist’s performance and the efficiency of its operations. Management believes these non-GAAP measures provide a greater understanding of ongoing operations, enhance comparability of results with prior periods and demonstrate the effects of significant items in the current period.The table below reconciles these non-GAAP financial measures to the most directly comparable GAAP measure for the third and second quarters of 2025.

|                                     | (Dollars in millions) | Quarter Ended |  3Q25 |   |     |   |  2Q25 |   |
|:------------------------------------|:----------------------|:--------------|------:|:--|:----|:--|------:|:--|
| Interest income                     |                       | $             | 6,286 |   |     | $ | 6,154 |   |
| Plus: Taxable-equivalent adjustment |                       |               |    51 |   |     |   |    48 |   |
| Interest income—taxable             
 equivalent(1)                       |                       |               | 6,337 |   |     |   | 6,202 |   |
| Interest expense                    |                       |               | 2,657 |   |     |   | 2,567 |   |
| Net interest income—taxable         
 equivalent(1)                       |                       | $             | 3,680 |   |     | $ | 3,635 |   |
| Net interest margin—taxable         
 equivalent(1)                       |                       |               |  3.01 | % |     |   |  3.02 | % |

| (1) | Amounts are on a taxable-equivalent basis, which represents a non-GAAP measure, utilizing the federal income     
 tax rate of 21% for the periods presented. Interest income includes certain fees, deferred costs, and dividends. |

PS-5

SUPPLEMENTAL PLAN OF DISTRIBUTION Truist Securities, Inc., Barclays Capital Inc., Citigroup Global Markets Inc. and Morgan Stanley & Co. LLC are acting as joint book-running managers of the offering. Subject to the terms and conditions of a syndicated terms agreement, dated October 20,