Company: TFC
Filing Date: 2025-10-22
Form Type: 424B2
Source: 0001193125-25-245546
Chunk: 3

Company: TRUIST FINANCIAL CORP
Filing Date: 2025-10-22
Form: 424B2
Chunk 3
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 billion increased 2.6% due to an increase in the commercial and industrial and CRE portfolios. Average consumer loans of $124.0 billion increased 2.5% due to growth in the other
consumer, residential mortgage, and indirect auto portfolios.

Average earning assets for the third quarter of 2025 were
$486.0 billion, an increase of $5.0 billion, or 1.0%, primarily due to an increase in average total loans of $8.2 billion, or 2.6%, partially offset by a decline in average securities of $2.6 billion, or 2.2%.

Average deposits for the third quarter of 2025 were $396.6 billion, a decrease of $3.9 billion, or 1.0%, compared to the prior
quarter primarily due to lower short-term client deposits. Average noninterest-bearing deposits for the third quarter of 2025 were $105.7 billion, a decrease of 0.9% compared to the prior quarter and represented 26.7% of total deposits for the
third quarter of 2025 compared to 26.6% for the second quarter of 2025. Average interest checking deposits for the third quarter of 2025 were $109.2 billion, a decrease of 6.0%. Average money market and savings accounts for the third quarter of
2025 were $136.5 billion, an increase of 0.7%. Average time deposits for the third quarter of 2025 were $45.1 billion, an increase of 7.4%.

Average short-term borrowings for the third quarter of 2025 were $26.8 billion, an increase of $555 million, or 2.1%. Average
long-term debt for the third quarter of 2025 was $41.5 billion, an increase of $7.2 billion, or 21%.

Asset Quality

Nonperforming assets totaled $1.6 billion at September 30, 2025, up $313 million compared to June 30, 2025, due to an
increase in the commercial and industrial portfolio. Nonperforming loans and leases were 0.48% of loans and leases held for investment at September 30, 2025, up nine basis points compared to June 30, 2025.

Loans 90 days or more past due and still accruing totaled $584 million at September 30, 2025, up one basis point