Truist Financial Corporation (TFC): Business Model Canvas

In der dynamischen Landschaft der Finanzdienstleistungen entwickelt sich die Truist Financial Corporation zu einem strategischen Kraftpaket, das traditionelle Bankfähigkeiten nahtlos mit modernster digitaler Innovation verbindet. Durch die sorgfältige Entwicklung eines umfassenden Geschäftsmodells, das mehrere Kundensegmente abdeckt und fortschrittliche Technologiepartnerschaften nutzt, hat sich Truist als transformative Kraft im Bankenökosystem im Südosten der USA positioniert. Diese Untersuchung des Business Model Canvas von Truist enthüllt die komplizierten Mechanismen, die ihren Erfolg vorantreiben, und zeigt, wie sie personalisierte Dienste, robuste digitale Infrastruktur und gemeinschaftsorientierte Strategien vereinen, um außergewöhnliche Finanzerlebnisse zu bieten.

Truist Financial Corporation (TFC) – Geschäftsmodell: Wichtige Partnerschaften

Strategische Allianz mit Technologieunternehmen für digitale Banking-Lösungen

Truist hat strategische Technologiepartnerschaften mit den folgenden Schlüsselunternehmen aufgebaut:

Technologiepartner	Partnerschaftsfokus	Umsetzungsjahr
Salesforce	Kundenbeziehungsmanagement	2022
Microsoft Azure	Cloud-Infrastruktur	2021
Schneeflocke	Datenanalyseplattform	2023

Partnerschaften mit Versicherungsanbietern für umfassende Finanzdienstleistungen

Truist hat umfassende Versicherungspartnerschaften entwickelt:

• BB&T Insurance Services (im Jahr 2019 übernommen)
• Partnerschaft mit Progressive Insurance für die Integration von Kfz-Versicherungen
• Zusammenarbeit mit Nationwide Insurance für persönliche und gewerbliche Versicherungsprodukte

Zusammenarbeit mit lokalen Unternehmen und Gemeinschaftsorganisationen

Truist unterhält strategische lokale Partnerschaften in 17 Bundesstaaten mit:

Partnerschaftstyp	Anzahl der Partnerschaften	Gesamtinvestition
Lokale Unternehmensnetzwerke	387	42,5 Millionen US-Dollar
Gemeinschaftsentwicklungsorganisationen	214	28,3 Millionen US-Dollar

Joint Ventures mit Fintech-Startups für innovative Finanzprodukte

Truist Risikokapitalinvestitionen in Fintech-Startups:

• Truist Ventures-Fonds: 250 Millionen US-Dollar für Fintech-Investitionen bereitgestellt
• Aktive Investitionen in 12 Fintech-Startups ab 2024
• Zu den Schwerpunkten zählen Blockchain, KI-gesteuerte Finanzlösungen und digitale Zahlungsplattformen

Truist Financial Corporation (TFC) – Geschäftsmodell: Hauptaktivitäten

Geschäfts- und Privatkundendienstleistungen

Gesamtvermögen der Bank im vierten Quartal 2023: 590 Milliarden US-Dollar

Bankdienstleistung	Jährliches Transaktionsvolumen	Anzahl der Kunden
Kommerzielle Kreditvergabe	215,6 Milliarden US-Dollar	87.500 Geschäftskunden
Privatkundengeschäft	374,3 Milliarden US-Dollar	16 Millionen Einzelkunden

Vermögensverwaltung und Anlageberatung

Gesamtes verwaltetes Vermögen (AUM) im Jahr 2023: 327 Milliarden US-Dollar

• Anzahl der Finanzberater: 2.700
• Durchschnittlicher Wert des Kundenportfolios: 1,4 Millionen US-Dollar
• Verwaltete Anlageprodukte: 287 verschiedene Fonds

Entwicklung einer digitalen Banking-Plattform

Investitionen in das digitale Banking im Jahr 2023: 412 Millionen US-Dollar

Digitale Plattformmetrik	Daten für 2023
Mobile-Banking-Benutzer	10,2 Millionen
Online-Banking-Transaktionen	1,6 Milliarden jährlich

Integration von Fusionen und Übernahmen

Gesamte Integrationskosten seit der Fusion von BB&T und SunTrust: 1,9 Milliarden US-Dollar

• Konsolidierte Filialen: 740
• Rationalisierung der Belegschaft: 4.300 Stellen
• Budget für die Integration von Technologiesystemen: 625 Millionen US-Dollar

Risikomanagement und Compliance

Jährliche Ausgaben für Compliance und Risikomanagement: 782 Millionen US-Dollar

Kategorie „Risikomanagement“.	Jährliche Budgetzuweisung
Cybersicherheit	287 Millionen Dollar
Einhaltung gesetzlicher Vorschriften	495 Millionen US-Dollar

Truist Financial Corporation (TFC) – Geschäftsmodell: Schlüsselressourcen

Umfangreiches Filialnetz

Im vierten Quartal 2023 betreibt Truist 2.141 Filialen in 17 Bundesstaaten, hauptsächlich im Südosten der USA. Das Netzwerk umfasst etwa 2,5 Millionen Quadratmeter physische Bankinfrastruktur.

Geografische Präsenz	Anzahl der Filialen
Gesamtzahl der Filialen	2,141
Abgedeckte Staaten	17

Digitale Banking-Technologie-Infrastruktur

Die digitale Plattform von Truist unterstützt:

• Mobile-Banking-App mit 5,2 Millionen aktiven Nutzern
• Digitales Transaktionsvolumen von 1,8 Milliarden jährlich
• 12,4 Milliarden US-Dollar in die Technologieinfrastruktur investiert

Humankapitalressourcen

Truist beschäftigte zum 31. Dezember 2023 120.375 Vollzeitmitarbeiter.

Mitarbeiterkategorie	Nummer
Gesamtzahl der Mitarbeiter	120,375
Technologieprofis	18,056

Finanzkapital und Vermögensbasis

Finanzkennzahlen ab Q4 2023:

• Gesamtvermögen: 573,9 Milliarden US-Dollar
• Gesamteigenkapital: 51,2 Milliarden US-Dollar
• Kernkapitalquote: 11,2 %

Daten und Kundeneinblicke

Truist verwaltet:

• Kundendatenbank mit 19,3 Millionen Personen
• Gesamteinlagen in Höhe von 387 Milliarden US-Dollar
• Fortschrittliche Analyseplattform, die 2,6 Petabyte an Kundendaten verarbeitet

Truist Financial Corporation (TFC) – Geschäftsmodell: Wertversprechen

Integrierte Finanzdienstleistungen über mehrere Sektoren hinweg

Truist bietet umfassende Finanzdienstleistungen mit einem Gesamtvermögen von 579 Milliarden US-Dollar (Stand: 4. Quartal 2023). Die Bank bietet Dienstleistungen in den Bereichen Handel, Einzelhandel und Vermögensverwaltung an.

Servicekategorie	Umsatzbeitrag
Kommerzielles Banking	4,2 Milliarden US-Dollar
Privatkundengeschäft	3,8 Milliarden US-Dollar
Vermögensverwaltung	1,5 Milliarden US-Dollar

Personalisierte Banklösungen für vielfältige Kundenbedürfnisse

Truist bedient rund 19 Millionen Kunden mit maßgeschneiderten Finanzlösungen.

• Small Business Banking: 2,3 Millionen Geschäftskunden
• Personal Banking: 15,7 Millionen Privatkunden
• Corporate Banking: 1 Million Firmenkunden

Erweiterte digitale und mobile Banking-Erlebnisse

Digitale Banking-Plattform mit 6,5 Millionen aktiven digitalen Nutzern und 4,2 Millionen Mobile-Banking-Nutzern.

Kennzahlen für digitale Plattformen	Nummer
Mobile App-Downloads	3,8 Millionen
Online-Transaktionsvolumen	287 Millionen jährlich

Engagement für die Entwicklung der Gemeinschaft und soziale Verantwortung

Gemeinschaftsinvestitionszusage in Höhe von 500 Millionen US-Dollar durch verschiedene Sozialprogramme.

• Gemeindeentwicklungsdarlehen: 250 Millionen US-Dollar
• Initiativen zur wirtschaftlichen Stärkung: 150 Millionen US-Dollar
• Programme zur ökologischen Nachhaltigkeit: 100 Millionen US-Dollar

Wettbewerbsfähige Zinssätze und Finanzprodukte

Wir bieten wettbewerbsfähige Zinssätze für verschiedene Finanzprodukte an.

Produkt	Zinssatz
Persönliches Sparkonto	4.25%
Persönliches Girokonto	0.01% - 0.10%
Hypothekenzinsen	6.75% - 7.25%

Truist Financial Corporation (TFC) – Geschäftsmodell: Kundenbeziehungen

Personalisierter Kundenservice und Beziehungsmanagement

Truist unterhält im vierten Quartal 2023 2.141 Filialen und 4.702 Geldautomaten in 15 Bundesstaaten. Die Bank betreut rund 19 Millionen Kunden mit einem speziellen Beziehungsmanagementansatz.

Kundendienstmetrik	Leistung 2023
Durchschnittlicher Kundenzufriedenheitswert	4.2/5
Digitale Kundenbindungsrate	68%
Jährliche Kundenbindungsrate	87%

Digitale Self-Service-Plattformen

Zu den digitalen Plattformen von Truist gehören:

• Mobile-Banking-App mit 7,2 Millionen aktiven Nutzern
• Online-Banking-Plattform, die 92 % der gängigen Banktransaktionen unterstützt
• Digitaler Kontoeröffnungsprozess mit einer Abschlussquote von 65 %

Engagierte Beziehungsmanager

Kundensegment	Engagierte Manager	Durchschnittliche Portfoliogröße
Vermögende Privatpersonen	1.287 Manager	50 Millionen US-Dollar pro Manager
Geschäftsbanking	2.104 Kundenbetreuer	75 Millionen US-Dollar pro Manager

Proaktive Finanzberatung

Truist bietet kostenlose Finanzberatung mit 3.412 zertifizierten Finanzberatern in seinem gesamten Netzwerk.

Unterstützung für Multi-Channel-Kommunikation

• Telefonsupport: Kundendienst rund um die Uhr
• Live-Chat: Durchschnittliche Reaktionszeit 47 Sekunden
• E-Mail-Support: 95 % Antwortrate innerhalb von 24 Stunden
• Social-Media-Supportkanäle: Facebook, Twitter, LinkedIn

Truist Financial Corporation (TFC) – Geschäftsmodell: Kanäle

Physisches Filialnetz

Im Jahr 2024 betreibt Truist Financial rund 2.141 Einzelhandelsfilialen in 17 Bundesstaaten. Das Filialnetz deckt folgende geografische Verteilung ab:

Region	Anzahl der Filialen	Prozentsatz des gesamten Netzwerks
Südosten der Vereinigten Staaten	1,647	76.9%
Mittelatlantische Staaten	342	16%
Andere Regionen	152	7.1%

Online-Banking-Plattform

Die Funktionen der digitalen Banking-Plattform von Truist:

• 2,1 Millionen aktive Online-Banking-Nutzer
• 99,7 % Verfügbarkeitszuverlässigkeit
• 256-Bit-Verschlüsselungssicherheitsprotokoll

Mobile-Banking-Anwendung

Mobile-Banking-Statistiken für Truist:

Metrisch	Daten für 2024
Gesamtzahl der Downloads mobiler Apps	4,3 Millionen
Monatlich aktive Benutzer	2,8 Millionen
Transaktionsvolumen im Mobile Banking	142 Millionen monatliche Transaktionen

Kundendienst-Callcenter

Truist behauptet 12 Kundendienstzentren mit den folgenden Betriebskennzahlen:

• Durchschnittliche Anrufantwortzeit: 47 Sekunden
• Kundensupport rund um die Uhr verfügbar
• Mehrsprachige Unterstützung in 6 Sprachen

ATM-Netzwerk

Die Geldautomaten-Infrastruktur von Truist umfasst:

Kategorie Geldautomaten	Gesamtzahl	Netzwerkabdeckung
Eigene Geldautomaten	2,324	17 Staaten
Geldautomaten des Partnernetzwerks	43,000+	Bundesweit

Truist Financial Corporation (TFC) – Geschäftsmodell: Kundensegmente

Privatkunden im Privatkundengeschäft

Im vierten Quartal 2023 betreut Truist rund 18 Millionen Privatkunden in 17 Bundesstaaten. Aufschlüsselung nach Kundendemografie:

Altersgruppe	Prozentsatz
18-34 Jahre	32%
35-54 Jahre	41%
55+ Jahre	27%

Kleine und mittlere Unternehmen

Truist unterstützt 2,3 Millionen kleine und mittlere Geschäftskunden mit einem Jahresumsatz zwischen 500.000 und 50 Millionen US-Dollar.

• Gesamtkreditportfolio für Kleinunternehmen: 42,3 Milliarden US-Dollar
• Durchschnittliche Kredithöhe für Unternehmen: 375.000 $
• Geschäftsbankkunden in 17 Bundesstaaten

Große Firmenkunden

Das Firmenkundensegment umfasst 4.500 Unternehmensbeziehungen mit einem Umsatz von über 50 Millionen US-Dollar.

Branchensegment	Anzahl der Kunden
Gesundheitswesen	687
Technologie	542
Herstellung	456

Vermögende Privatpersonen

Truist Private Wealth Management betreut 85.000 vermögende Kunden mit einem Vermögen von über 1 Million US-Dollar.

• Durchschnittliches Nettovermögen des Kunden: 3,2 Millionen US-Dollar
• Gesamtes verwaltetes Vermögen: 274 Milliarden US-Dollar

Institutionelle Anleger

Das Segment der institutionellen Anleger umfasst 1.200 institutionelle Kunden.

Anlegertyp	Gesamtvermögen
Pensionskassen	86 Milliarden Dollar
Stiftungen	42 Milliarden Dollar
Stiftungen	23 Milliarden Dollar

Truist Financial Corporation (TFC) – Geschäftsmodell: Kostenstruktur

Betriebs- und Wartungskosten der Zweigstelle

Im Jahr 2024 unterhält die Truist Financial Corporation 2.141 Filialen in 15 Bundesstaaten, wobei die jährlichen Betriebskosten der Filialen auf 1,2 Milliarden US-Dollar geschätzt werden. Die Kosten für die Instandhaltung der Anlagen belaufen sich jährlich auf etwa 350 Millionen US-Dollar.

Ausgabenkategorie	Jährliche Kosten
Filialmiete/-pacht	425 Millionen Dollar
Dienstprogramme	185 Millionen Dollar
Physische Sicherheit	95 Millionen Dollar

Investitionen in Technologie und digitale Infrastruktur

Truist zugeteilt 1,8 Milliarden US-Dollar für Technologieinvestitionen im Jahr 2024 mit Schwerpunkt auf digitaler Transformation und Cybersicherheit.

• Cloud-Computing-Infrastruktur: 450 Millionen US-Dollar
• Cybersicherheitssysteme: 275 Millionen US-Dollar
• Entwicklung einer digitalen Banking-Plattform: 385 Millionen US-Dollar

Gehälter und Leistungen der Mitarbeiter

Die gesamten Personalkosten für Truist belaufen sich im Jahr 2024 auf 4,3 Milliarden US-Dollar und decken 157.000 Mitarbeiter ab.

Vergütungskomponente	Jährliche Kosten
Grundgehälter	3,1 Milliarden US-Dollar
Gesundheitsleistungen	520 Millionen Dollar
Altersvorsorgebeiträge	340 Millionen Dollar

Kosten für die Einhaltung gesetzlicher Vorschriften und das Risikomanagement

Die Compliance-Aufwendungen für Truist belaufen sich im Jahr 2024 auf etwa 675 Millionen US-Dollar.

• Rechts- und Regulierungsberatung: 235 Millionen US-Dollar
• Compliance-Technologie: 180 Millionen US-Dollar
• Risikomanagementsysteme: 260 Millionen US-Dollar

Aufwendungen für Marketing und Kundenakquise

Das Marketingbudget von Truist für 2024 beläuft sich auf 425 Millionen US-Dollar.

Marketingkanal	Zugeteiltes Budget
Digitales Marketing	185 Millionen Dollar
Traditionelle Medien	145 Millionen Dollar
Kampagnen zur Kundengewinnung	95 Millionen Dollar

Truist Financial Corporation (TFC) – Geschäftsmodell: Einnahmequellen

Zinserträge aus Darlehen und Kreditprodukten

Für das Geschäftsjahr 2023 meldete Truist Financial Corporation einen Nettozinsertrag von 13,64 Milliarden US-Dollar. Die Aufteilung der Zinserträge nach Produktkategorien stellt sich wie folgt dar:

Kreditkategorie	Zinserträge ($B)
Gewerbliche Kredite	6.87
Verbraucherkredite	4.52
Hypothekendarlehen	2.25

Bankgebühren und Servicegebühren

Truist erwirtschaftete im Jahr 2023 zinsunabhängige Einnahmen in Höhe von 3,98 Milliarden US-Dollar aus Bankgebühren:

• Kontoführungsgebühren: 1,24 Milliarden US-Dollar
• Überziehungsgebühren: 0,76 Milliarden US-Dollar
• Gebühren für Geldautomatentransaktionen: 0,42 Milliarden US-Dollar
• Sonstige Gebühren für Bankdienstleistungen: 1,56 Milliarden US-Dollar

Anlage- und Vermögensverwaltungsgebühren

Der Umsatz aus Wertpapierdienstleistungen belief sich im Jahr 2023 auf insgesamt 2,63 Milliarden US-Dollar:

Servicetyp	Umsatz ($B)
Vermögensverwaltungsgebühren	1.47
Finanzberatungsdienste	0.82
Maklerprovisionen	0.34

Provisionen für Versicherungsprodukte

Die versicherungsbezogenen Einnahmequellen beliefen sich im Jahr 2023 auf 1,76 Milliarden US-Dollar:

• Lebensversicherungsprovisionen: 0,89 Milliarden US-Dollar
• Schaden- und Unfallversicherung: 0,67 Milliarden US-Dollar
• Provisionen für Rentenprodukte: 0,20 Milliarden US-Dollar

Treasury- und Handelserträge

Handels- und Treasury-Aktivitäten generierten im Jahr 2023 einen Umsatz von 1,42 Milliarden US-Dollar:

Handelskategorie	Umsatz ($B)
Handel mit festverzinslichen Wertpapieren	0.68
Aktienhandel	0.44
Devisenhandel	0.30

Truist Financial Corporation (TFC) - Canvas Business Model: Value Propositions

You're looking at the core value Truist Financial Corporation delivers to its clients, which is built on a foundation of significant scale combined with a localized approach. Honestly, the sheer size of the balance sheet gives them a competitive moat for technology investment.

Full-service financial solutions combining scale with local touch.

Truist Financial Corporation operates as a top-10 commercial bank in the U.S., reporting total assets of $544 billion as of September 30, 2025. This scale supports a broad offering across its operating footprint, which spans 15 states and Washington, D.C.. The strategy is to combine this national reach with local market focus, evidenced by plans to build 100 new insights-driven branches and renovate more than 300 branches in high-opportunity markets over the next five years.

Personalized, AI-driven financial insights (over 550 million per year).

The firm heavily invests in digital personalization. You get more than half a billion personalized, real-time financial insights annually through the Truist Insights platform, totaling over 550 million insights per year. This is complemented by Truist Assist, the AI-enhanced digital assistant, which supported over 1 million conversations in the first quarter of 2025, with more than 80% requiring no further teammate interaction. This focus on self-service efficiency is a key part of the digital value exchange.

Comprehensive product suite: banking, wealth, payments, and capital markets.

Truist Financial Corporation covers the full spectrum of financial needs. The product suite is extensive, encompassing consumer and small business banking, commercial and corporate banking, investment banking and capital markets, wealth management, payments, and specialized lending businesses. The digital momentum is clear: digital account production surged 17% year-over-year in Q2 2025, with 43% of new-to-bank clients joining through digital channels. Here's a quick look at the scope of their business lines:

Business Segment	Key Metric/Focus Area	Latest Data Point
Consumer & Small Business Banking	New Digital Account Growth (YoY Q2 2025)	17% increase
Wholesale (CIB/Commercial)	Client Acquisition (YoY Q2 2025)	Doubled year-over-year
Wealth Management	Revenue per Client (YoY Q2 2025)	Rose 40%
Digital Engagement	Truist Assist Resolution Rate (Q1 2025)	Over 80% self-service

LightStream unsecured lending for a fast, defintely digital experience.

For unsecured lending, the value proposition is speed and competitive pricing through LightStream, the online-only division. You can borrow between $5,000 and $100,000. The experience is designed to be fast, with funds available as soon as the same day you apply, provided you meet the cutoff time. To ensure low rates, the APR with the AutoPay discount ranges from 8.24% - 24.89%, and they promise to beat a competing unsecured loan offer by 0.10% percentage points via their Rate Beat Program. The loan terms can extend up to 240 months (20 years) for specific uses like home improvements. The key requirements are good-to-excellent credit profiles, as they only approve those applicants.

Purpose-driven commitment to building better lives and communities.

Truist Financial Corporation ties its business strategy to its purpose of building better lives and communities, primarily executed through the Truist Foundation. The Foundation's grantmaking focuses on strengthening small businesses and building career pathways. Since 2021, this strategic funding has delivered measurable impact:

• Create or retain 26,800 jobs.
• Provide nearly 26,000 workers with support services.
• Support more than 18,000 small businesses.
• Place nearly 16,000 workers into jobs.

Furthermore, the subsidiary Truist Community Capital, LLC partners with developers and CDFIs focused on affordable housing and community revitalization projects.

Finance: draft the Q4 2025 capital allocation plan by next Wednesday.

Truist Financial Corporation (TFC) - Canvas Business Model: Customer Relationships

You're looking at how Truist Financial Corporation is managing its client interactions as of late 2025, focusing on a hybrid model blending high-touch service with significant digital scale.

Dedicated Premier advisors for mass affluent clients

Truist Financial Corporation is actively expanding its dedicated advisory capacity to focus on clients with more complex financial needs. The bank is hiring additional Premier advisors across multiple markets as part of a five-year strategic growth investment. New 'insights-driven' branch models are being designed with dedicated space for conversations with Premier advisors. For example, in Florida, Truist Wealth added six new advisors in July 2025 to serve affluent, high- and ultra-high net worth individuals, families, and business owners. These dedicated resources are central to attracting and deepening relationships with the mass affluent segment.

High-touch, relationship-driven model in Wholesale Banking

The Wholesale Banking segment emphasizes a client-centric, performance-driven approach. The strategy centers on client and business growth, especially in middle market banking, through deepening relationships with current clients and fully meeting their business and financial needs. Within Corporate & Investment Banking (CIB), Client Coverage groups are specifically responsible for primary relationship development and management activities, acting as the lead advisor for key C-suite and Board-level decision makers. The segment realigned in 2024 to leverage its full platform, including Commercial and Corporate Banking, Investment Banking, and Capital Markets, to deliver industry expertise more effectively.

Automated self-service via AI-enhanced digital assistant, Truist Assist

Automation through artificial intelligence is a key component for efficiency and client speed. Truist Assist, the AI-enhanced digital assistant, is averaging nearly half a million conversations per month. This volume helps clients quickly get answers to the most asked questions, with the option to be seamlessly transferred to a teammate. This scale is designed to improve speed and convenience without a proportionate rise in expenses.

Personalized digital engagement through AI-driven analytics

Truist is using AI-driven analytics to deliver tailored experiences across channels. The AI-driven Truist Insights platform delivers over 550 million personalized, real-time financial insights per year to clients via mobile and online banking. This data informs cash-flow summaries, income and expense analysis, and proactive balance monitoring. Digital adoption is accelerating; in the second quarter of 2025, digital account openings accounted for 43% of all new accounts, up from 34% a year earlier. Overall client engagement metrics increased by 40% year-over-year in Q2 2025. More than 1.8 million clients utilized Truist's financial management tools, marking a 40% year-over-year increase.

The following table summarizes key relationship and digital engagement metrics as of mid-2025:

Relationship/Digital Metric	Value/Amount	Reporting Period/Context
Truist Assist Monthly Conversations	500,000	Monthly (as of Q2/Q3 2025)
AI-Driven Financial Insights Delivered Annually	550 million	Annually
Digital Account Openings as % of New Accounts	43%	Q2 2025
Digital Engagement Metrics YoY Increase	40%	Year-over-Year (Q2 2025)
Clients Utilizing Financial Management Tools	Over 1.8 million	Q2 2025
New Premier Advisors Hired (Florida Example)	Six	July 2025
Planned New 'Insights-Driven' Branches	100	Over the next five years

Virtual sales center focused on acquiring and deepening mass affluent relationships

Truist is repurposing its virtual sales center to specifically target the mass affluent client segment. This repurposing is part of the five-year investment plan to attract new relationships and grow existing ones in high-growth markets.

The bank is also focusing on strengthening its overall consumer base; in Q2 2025, Truist added roughly 37,000 new checking accounts.

Here's the quick math: The focus is on high-value clients in high-growth areas like Atlanta, Austin, and Miami.

• Dedicated space for Premier advisors in new/renovated branches.
• Virtual sales center re-tasked for mass affluent acquisition.
• 43% of new accounts are digital.
• 550 million personalized insights delivered annually.

Truist Financial Corporation (TFC) - Canvas Business Model: Channels

You're looking at how Truist Financial Corporation gets its value proposition to the customer, and honestly, it's a mix of physical footprint and digital muscle as of late 2025.

Physical Branch Network

Truist Financial Corporation operates a substantial physical network, though it is actively optimizing it. As of September 30, 2025, the bank maintained over 1,900+ branches across its operating footprint. This physical presence is undergoing a strategic refresh; Truist announced plans to open 100 new 'insights-driven' branches and renovate more than 300 existing locations over the next five years. This investment is targeted at high-growth markets such as Atlanta, Austin, Charlotte, Dallas, Miami, Orlando, Philadelphia, and Washington, D.C.. To put this in context, less than two years ago, the bank had reduced its network by 4%, closing about 80 offices as part of a $750 million expense-reduction initiative. The new branch model is designed to facilitate conversations with Premier advisors.

Digital Channels

Digital adoption is a major driver for new client acquisition. In the second quarter of 2025, digital openings accounted for 43% of all new accounts. That quarter alone saw the addition of roughly 37,000 new checking accounts. By the third quarter of 2025, digital channels represented 40% of new-to-bank clients, with digital transactions up 7% year-over-year. Over 1.8 million clients used digital financial management tools in Q2 2025, marking a 40% year-over-year increase in that usage. The AI-driven Truist Insights platform is delivering over 550 million personalized, real-time financial insights annually to clients via mobile and online banking.

ATM Network Across the Operating Footprint

The physical access points include a significant ATM footprint. As of September 30, 2025, Truist Financial Corporation reported having 2,800+ ATMs. The stated strategy includes modernizing this network to offer a more personalized, 'mobile-like' experience, including tailored offers and multi-denominational withdrawals.

Wholesale Banking Relationship Managers and Investment Bankers

For the Wholesale Banking segment, which represented 15% of revenue by line of business (LTM 12/31/2024), direct relationship management is key. The Corporate & Investment Banking (CIB) Client Coverage groups are responsible for primary relationship development. Specific relationship managers handle substantial portfolios; for example, one Senior Vice President Relationship Manager actively manages a portfolio exceeding $3 billion in direct and syndicated relationships. The CIB segment showed strong performance in Q3 2025, with investment banking and trading income rising 58% Quarter-over-Quarter to $323 million.

Virtual Sales Center and Contact Centers

Virtual interaction is scaled through technology. The AI-enhanced digital assistant, Truist Assist, handles nearly half a million conversations per month, providing quick answers with an option for seamless transfer to a human teammate. This serves as a primary virtual contact channel for initial support and query resolution. The bank also employs Premier advisors, and the plan includes hiring additional ones to serve clients with more complex needs.

Channel Component	Metric/Data Point	Value as of Late 2025	Source Date
Physical Branches (Existing)	Number of Branches	1,900+	Sep 30, 2025
Physical Branches (Planned Growth)	New Branches to Open (Next 5 Years)	100	Aug 2025
Physical Branches (Planned Optimization)	Existing Branch Renovations (Next 5 Years)	More than 300	Aug 2025
ATM Network	Number of ATMs	2,800+	Sep 30, 2025
Digital Channel Adoption	Digital Openings as % of All New Accounts (Q2 2025)	43%	Q2 2025
Digital Channel Engagement	New Checking Accounts Added (Q2 2025)	Roughly 37,000	Q2 2025
Digital Channel Usage	Clients Using Digital Financial Management Tools (Q2 2025)	Over 1.8 million	Q2 2025
AI Virtual Center	Truist Assist Conversations Per Month	Nearly half a million	Late 2025
Wholesale Banking (CIB)	QoQ Revenue Growth (Q3 2025)	58%	Q3 2025
Wholesale Banking (CIB)	Q3 2025 Revenue	$323 million	Q3 2025

• Digital channels accounted for 40% of new-to-bank clients in Q3 2025.
• The AI-driven Truist Insights platform delivers over 550 million personalized insights per year.
• One Relationship Manager manages a portfolio over $3 billion.
• Truist operates in 17 states plus D.C..
• The bank serves approximately 15MM clients across the U.S..

The scale of the physical footprint is being maintained while defintely increasing digital touchpoints. Finance: draft 13-week cash view by Friday.

Truist Financial Corporation (TFC) - Canvas Business Model: Customer Segments

Truist Financial Corporation serves a broad spectrum of clients, positioning itself as a top-10 commercial bank with total assets reaching $544 billion as of June 30, 2025. The institution serves over 15MM+ clients across the U.S..

Consumer and Small Business Banking clients.

This group is served through the Consumer and Small Business Banking (CSBB) segment. The focus includes growing checking account relationships and deepening ties with Premier Banking clients.

• New digital accounts opened in Q1 2025: 195,000.
• Year-over-year growth in new digital accounts (Q1 2025): 13%.

Wholesale Banking clients (Commercial, Corporate, Institutional).

The Wholesale Banking segment advises business leaders and entrepreneurs. Commercial and industrial (C&I) loans represented a significant portion of the lending book.

Metric	Portfolio Share / Value (2025)
Commercial and Industrial (C&I) Loans Share of Portfolio (Q2 2025)	51%
Total Assets (June 30, 2025)	$544 billion

Mass Affluent and High-Net-Worth clients (Wealth Management/Premier Banking).

Truist is investing in its Premier Banking clients and expanding to attract more mass affluent customers. The bank defines Premier Banking clients as those with at least $100,000 in deposits or assets under management up to $1 million.

• Wealth management income (Q3 2025): $374 million.
• Year-over-year growth in wealth management fees (Q3 2025): 6.9%.

Younger clients (Millennials and Gen Z) driving digital account growth.

Digital channels are a key acquisition source, aligning with the strategy to engage clients early for enduring relationships.

• Percentage of new digital clients who are Millennials and Gen Z (Q1 2025): Over 60%.
• Number of clients using digital financial management tools (as of Q2 2025): 1.8 million.

Real Estate clients (Commercial Real Estate, Homebuilders).

The bank has a dedicated Head of Commercial Real Estate and Structured Credit. While specific client counts aren't detailed, loan portfolio movements reflect activity in this area.

In Q1 2025, growth in the consumer portfolio was partly due to residential mortgage activity, though Commercial Real Estate (CR) loan balances saw a decline, partially offset by growth in CNI loans.

Truist Financial Corporation (TFC) - Canvas Business Model: Cost Structure

The Cost Structure for Truist Financial Corporation is heavily influenced by personnel costs, ongoing technology modernization, and strategic physical footprint adjustments. You're looking at a bank balancing cost discipline with necessary growth investments.

Personnel expenses are a significant component. For the second quarter of 2025, noninterest expense totaled $2.99 billion. Adjusted noninterest expenses saw a linked-quarter increase of 3.1% in Q2 2025, which management explicitly tied to higher personnel expenses stemming from annual merit increases and strategic hiring efforts. This personnel cost increase was noted as a primary driver for the quarter-over-quarter expense rise.

The bank has a clear forward-looking target for cost control. Truist reaffirmed its guidance that full-year 2025 adjusted expenses are targeted to increase by approximately 1% versus 2024 adjusted revenue of $20.1 billion.

Technology and risk infrastructure investment costs are part of a larger, multi-year commitment. Truist announced a strategic growth investment exceeding $1 billion-plus over the next five years, which includes enhancing digital capabilities. This investment is supported by the capital generated from the sale of Truist Insurance Holdings (TIH).

The physical network is also undergoing significant change, which impacts costs. The branch network optimization is part of this same multi-year $1 billion-plus program. This initiative includes plans to:

• Build 100 new insights-driven branches over five years.
• Renovate more than 300 branch locations in high-growth markets.
• Hire additional Premier advisors.

Interest expense on deposits and borrowings remains a key variable cost, fluctuating with market rates. Here are the average cost rates reported for the second quarter of 2025:

Funding Source	Average Cost Rate (Q2 2025)
Total Deposits	1.85%
Short-Term Borrowings	4.47%
Long-Term Debt	5.02%

For context on deposit costs, the average cost of interest-bearing deposits in the first quarter of 2025 was 2.46% sequentially.

Finance: draft 13-week cash view by Friday.

Truist Financial Corporation (TFC) - Canvas Business Model: Revenue Streams

You're looking at how Truist Financial Corporation brings in its money, which is key to understanding its stability. As a seasoned analyst, I can tell you their revenue model leans heavily on traditional banking, but fee income is definitely making a comeback.

The core of Truist Financial Corporation's revenue generation comes from its balance sheet activities, primarily lending and investing. This is the Net Interest Income (NII) engine.

Revenue Component	Q3 2025 Amount	Year-over-Year/Quarter-over-Quarter Change
Net Interest Income (NII)	$3.68 billion	Up 1.2% linked quarter (Q2 2025)
Noninterest Income (Total Fees)	$1.56 billion	Up 11% linked quarter (Q2 2025)
Investment Banking and Trading Income	$323 million (Implied from QoQ growth)	Up 58% linked quarter (Q2 2025)
Wealth Management Income	$374 million	Up 7.5% linked quarter (Q2 2025)

That $\text{58%}$ jump in Investment Banking and Trading Income in the third quarter shows a strong recovery in capital markets activity, which is great for fee diversification. It's a nice offset to the NII side, which saw its margin dip slightly.

For the full year 2025 outlook, Truist Financial Corporation confirmed its expectation for total revenue growth.

• Full-year 2025 adjusted revenue expected to increase 1.5% to 2.5% over 2024 adjusted revenue of $\text{20.1 billion}$.
• Net Interest Income for the full year 2025 remains on track to increase 3% versus 2024.
• Noninterest income for the full year 2025 is expected to remain relatively flat versus 2024.

The Wealth Management segment is a steady contributor to that Noninterest Income. You saw Wealth Management income was $\text{374 million}$ for the quarter, driven by higher assets under management, which is exactly what you want to see from that business line. Insurance commission/fee income is part of that broader fee structure, though specific standalone numbers for that category aren't as prominently highlighted as the investment banking surge in the Q3 reports.

Finance: draft 13-week cash view by Friday.