Truist(TFC) - 2023 Q3 - Earnings Call Presentation

5-Quarter Trend vs. Linked Quarter – Improving spreads on new and renewed loans 1 See non-GAAP reconciliations in the appendix $2,102$2,227 $2,234$2,293 $2,108 3Q22 4Q22 1Q23 2Q23 3Q23 – Lower service charges on deposits revenue of$88 million primarily due to $87 million of client refund accruals – Noninterest income increased 0.3% as 9.4% growth in insurance revenue (6.3% organic) was partially offset by lower service charges on deposits and investment banking and trading income 61.8% 60.0% 60.5% 63.3% ...