Material Event (Form 8-K)

On October 23, 2025, Truist Financial Corporation (the "Company") issued and sold $1,250,000,000 aggregate principal amount of its 4.964% Fixed-to-FloatingRate Medium-Term Notes, Series I (Senior), due October 23, 2036 (the "Notes"). The Notes were registered under the Securities Act of 1933, as amended, pursuant to a registration statement on Form S-3(File No. 333-276600)filed by the Company with the Securities and Exchange Commission (the "Registration Statement"). In connection with the issuance and sale of the Notes, the legal opinion of Mayer Brown LLP, as counsel to the Company, regarding the issuance and sale of the Notes, is filed with this Current Report on Form 8-Kand shall be incorporated by reference into the Registration Statement.

Concurrently with this offering, the Company's bank subsidiary, Truist Bank, issued and sold $1,250,000,000 aggregate principal amount of its 4.136% Fixed-to-Floating RateSenior Bank Notes, Series I (Senior) due October 23, 2029.