Truist Financial Corporation (TFC): Lienzo del Modelo de Negocio [Actualizado en Ene-2025]

En el panorama dinámico de los servicios financieros, Truist Financial Corporation emerge como una potencia estratégica, combinando sin problemas la destreza bancaria tradicional con innovación digital de vanguardia. Al elaborar meticulosamente un modelo de negocio integral que abarca múltiples segmentos de clientes y aprovecha las asociaciones tecnológicas avanzadas, el suista se ha posicionado como una fuerza transformadora en el ecosistema bancario del sudeste de los Estados Unidos. Esta exploración del lienzo de modelo de negocio de Truist presenta los intrincados mecanismos que impulsan su éxito, revelando cómo sintetizan los servicios personalizados, la infraestructura digital robusta y las estrategias centradas en la comunidad para ofrecer experiencias financieras excepcionales.

Truist Financial Corporation (TFC) - Modelo de negocios: asociaciones clave

Alianza estratégica con empresas de tecnología para soluciones de banca digital

Truist ha establecido asociaciones de tecnología estratégica con las siguientes empresas clave:

Socio tecnológico	Enfoque de asociación	Año de implementación
Salesforce	Gestión de la relación con el cliente	2022
Microsoft Azure	Infraestructura en la nube	2021
Copo de nieve	Plataforma de análisis de datos	2023

Asociaciones con proveedores de seguros para servicios financieros integrales

Truist ha desarrollado asociaciones de seguro integrales:

• BB&T Insurance Services (adquirido en 2019)
• Asociación con un seguro progresivo para la integración de seguros de automóviles
• Colaboración con un seguro nacional para productos de seguros personales y comerciales

Colaboración con empresas locales y organizaciones comunitarias

Truist mantiene asociaciones locales estratégicas en 17 estados con:

Tipo de asociación	Número de asociaciones	Inversión total
Redes comerciales locales	387	$ 42.5 millones
Organizaciones de desarrollo comunitario	214	$ 28.3 millones

Empresas conjuntas con startups fintech para productos financieros innovadores

Inversiones de capital de riesgo de Truist en nuevas empresas de fintech:

• Truist Ventures Fund: $ 250 millones asignados para FinTech Investments
• Inversiones activas en 12 startups fintech a partir de 2024
• Las áreas de enfoque incluyen blockchain, soluciones financieras impulsadas por IA y plataformas de pago digital

Truist Financial Corporation (TFC) - Modelo de negocio: actividades clave

Servicios de banca comercial y minorista

Activos bancarios totales a partir del cuarto trimestre 2023: $ 590 mil millones

Servicio bancario	Volumen de transacción anual	Número de clientes
Préstamo comercial	$ 215.6 mil millones	87,500 clientes comerciales
Banca minorista	$ 374.3 mil millones	16 millones de clientes individuales

Aviso de gestión de patrimonio e inversiones

Activos totales bajo administración (AUM) en 2023: $ 327 mil millones

• Número de asesores financieros: 2.700
• Valor promedio de la cartera del cliente: $ 1.4 millones
• Productos de inversión administrados: 287 fondos distintos

Desarrollo de la plataforma de banca digital

Inversión bancaria digital en 2023: $ 412 millones

Métrica de plataforma digital	2023 datos
Usuarios de banca móvil	10.2 millones
Transacciones bancarias en línea	1.600 millones anualmente

Integración de fusión y adquisición

Costos de integración total desde la fusión BB & T-Suntrust: $ 1.9 mil millones

• Ramas consolidadas: 740
• Racionalización de la fuerza laboral de los empleados: 4.300 puestos
• Presupuesto de integración del sistema tecnológico: $ 625 millones

Gestión de riesgos y cumplimiento

Cumplimiento y gestión de riesgos Gastos anuales: $ 782 millones

Categoría de gestión de riesgos	Asignación anual de presupuesto
Ciberseguridad	$ 287 millones
Cumplimiento regulatorio	$ 495 millones

Truist Financial Corporation (TFC) - Modelo de negocio: recursos clave

Red de sucursal extensa

Hasta el cuarto trimestre de 2023, Truist opera 2.141 sucursales en 17 estados, principalmente en el sureste de los Estados Unidos. La red cubre aproximadamente 2.5 millones de pies cuadrados de infraestructura bancaria física.

Presencia geográfica	Número de ramas
Total de ramas	2,141
Estados cubiertos	17

Infraestructura de tecnología de banca digital

La plataforma digital de Truist es compatible con:

• Aplicación de banca móvil con 5.2 millones de usuarios activos
• Volumen de transacción digital de 1.800 millones anuales
• $ 12.4 mil millones invertidos en infraestructura tecnológica

Recursos de capital humano

Truist emplea a 120,375 empleados a tiempo completo al 31 de diciembre de 2023.

Categoría de empleado	Número
Total de empleados	120,375
Profesionales de la tecnología	18,056

Capital financiero y base de activos

Métricas financieras a partir del cuarto trimestre 2023:

• Activos totales: $ 573.9 mil millones
• Equidad total de los accionistas: $ 51.2 mil millones
• Relación de capital de nivel 1: 11.2%

Datos y conocimientos de clientes

Truist maneja:

• Base de datos de clientes de 19.3 millones de personas
• $ 387 mil millones en depósitos totales
• Procesamiento de plataforma de análisis avanzado 2.6 petabytes de datos del cliente

Truist Financial Corporation (TFC) - Modelo de negocio: propuestas de valor

Servicios financieros integrados en múltiples sectores

Truist ofrece servicios financieros integrales con $ 579 mil millones en activos totales a partir del cuarto trimestre de 2023. El banco brinda servicios en los sectores comerciales, minoristas y de gestión de patrimonio.

Categoría de servicio	Contribución de ingresos
Banca comercial	$ 4.2 mil millones
Banca minorista	$ 3.8 mil millones
Gestión de patrimonio	$ 1.5 mil millones

Soluciones bancarias personalizadas para diversas necesidades de clientes

Truist atiende a aproximadamente 19 millones de clientes con soluciones financieras personalizadas.

• Banca de pequeñas empresas: 2.3 millones de clientes comerciales
• Banca personal: 15.7 millones de clientes individuales
• Banca corporativa: 1 millón de clientes corporativos

Experiencias avanzadas de banca digital y móvil

Plataforma de banca digital con 6.5 millones de usuarios digitales activos y 4.2 millones de usuarios de banca móvil.

Métricas de plataforma digital	Número
Descargas de aplicaciones móviles	3.8 millones
Volumen de transacciones en línea	287 millones anualmente

Compromiso con el desarrollo comunitario y la responsabilidad social

Compromiso de inversión comunitaria de $ 500 millones a través de varios programas sociales.

• Préstamos de desarrollo comunitario: $ 250 millones
• Iniciativas de empoderamiento económico: $ 150 millones
• Programas de sostenibilidad ambiental: $ 100 millones

Tasas de interés competitivas y productos financieros

Ofreciendo tarifas competitivas en varios productos financieros.

Producto	Tasa de interés
Cuenta de ahorro personal	4.25%
Cuenta correcta personal	0.01% - 0.10%
Tasas hipotecarias	6.75% - 7.25%

Truist Financial Corporation (TFC) - Modelo de negocio: relaciones con los clientes

Servicio al cliente personalizado y gestión de relaciones

Truist mantiene 2.141 sucursales y 4.702 cajeros automáticos en 15 estados a partir del cuarto trimestre de 2023. El banco atiende a aproximadamente 19 millones de clientes con un enfoque dedicado de gestión de relaciones.

Métrica de servicio al cliente	2023 rendimiento
Puntuación promedio de satisfacción del cliente	4.2/5
Tasa de participación digital del cliente	68%
Tasa anual de retención de clientes	87%

Plataformas de autoservicio digital

Las plataformas digitales verdaderas incluyen:

• Aplicación de banca móvil con 7.2 millones de usuarios activos
• Plataforma bancaria en línea que respalda el 92% de las transacciones bancarias comunes
• Proceso de apertura de cuenta digital con tasa de finalización del 65%

Gerentes de relaciones dedicadas

Segmento de clientes	Gerentes dedicados	Tamaño promedio de la cartera
Individuos de alto nivel de red	1.287 gerentes	$ 50 millones por gerente
Banca de negocios	2,104 gerentes de relaciones	$ 75 millones por gerente

Asesoramiento financiero proactivo

Suista proporciona consultas financieras complementarias con 3.412 asesores financieros certificados en su red.

Soporte de comunicación multicanal

• Soporte telefónico: servicio al cliente 24/7
• Chat en vivo: Tiempo de respuesta promedio 47 segundos
• Soporte por correo electrónico: tasa de respuesta del 95% dentro de las 24 horas
• Canales de soporte de redes sociales: Facebook, Twitter, LinkedIn

Truist Financial Corporation (TFC) - Modelo de negocios: canales

Red de sucursales físicas

A partir de 2024, Truist Financial opera aproximadamente 2,141 sucursales minoristas en 17 estados. La red de sucursales cubre la siguiente distribución geográfica:

Región	Número de ramas	Porcentaje de red total
Sudeste de los Estados Unidos	1,647	76.9%
Estados del Atlántico medio	342	16%
Otras regiones	152	7.1%

Plataforma bancaria en línea

Características de la plataforma de banca digital de Truist:

• 2.1 millones de usuarios bancarios en línea activos
• 99.7% de confiabilidad de tiempo de actividad
• Protocolo de seguridad de cifrado de 256 bits

Aplicación de banca móvil

Estadísticas bancarias móviles para suista:

Métrico	2024 datos
Descargas totales de aplicaciones móviles	4.3 millones
Usuarios activos mensuales	2.8 millones
Volumen de transacción bancaria móvil	142 millones de transacciones mensuales

Centros de llamadas de servicio al cliente

El verdadero mantiene 12 centros de servicio al cliente Con las siguientes métricas operativas:

• Tiempo promedio de respuesta de llamadas: 47 segundos
• Disponibilidad de soporte al cliente 24/7
• Soporte de varios idiomas en 6 idiomas

Red de cajeros automáticos

La infraestructura ATM de Truist incluye:

Categoría de cajero automático	Número total	Cobertura de red
Cajeros automáticos	2,324	17 estados
ATM de red de socios	43,000+	A escala nacional

Truist Financial Corporation (TFC) - Modelo de negocio: segmentos de clientes

Clientes de banca minorista individual

A partir del cuarto trimestre de 2023, Truist atiende a aproximadamente 18 millones de clientes de banca minorista en 17 estados. Desglose demográfico del cliente:

Grupo de edad	Porcentaje
18-34 años	32%
35-54 años	41%
55+ años	27%

Pequeñas y medianas empresas

Truist admite 2.3 millones de clientes comerciales pequeños y medianos con ingresos anuales que van desde $ 500,000 a $ 50 millones.

• Portafolio de préstamos de pequeñas empresas totales: $ 42.3 mil millones
• Tamaño promedio del préstamo comercial: $ 375,000
• Clientes de banca de negocios en 17 estados

Grandes clientes corporativos

El segmento de clientes corporativos incluye 4.500 relaciones corporativas con ingresos superiores a $ 50 millones.

Segmento de la industria	Número de clientes
Cuidado de la salud	687
Tecnología	542
Fabricación	456

Individuos de alto nivel de red

Truist Private Wealth Management atiende a 85,000 clientes de alto patrimonio con activos superiores a $ 1 millón.

• Piso neto promedio del cliente: $ 3.2 millones
• Activos totales bajo administración: $ 274 mil millones

Inversores institucionales

El segmento de inversores institucionales incluye 1.200 clientes institucionales.

Tipo de inversor	Activos totales
Fondos de pensiones	$ 86 mil millones
Dotación	$ 42 mil millones
Cimientos	$ 23 mil millones

Truist Financial Corporation (TFC) - Modelo de negocio: Estructura de costos

Operación de rama y gastos de mantenimiento

A partir de 2024, Truist Financial Corporation mantiene 2,141 sucursales en 15 estados con costos de operación de sucursales anuales estimados en $ 1.2 mil millones. Los gastos de mantenimiento de la instalación representan aproximadamente $ 350 millones anuales.

Categoría de gastos	Costo anual
Alquiler de sucursal/arrendamiento	$ 425 millones
Utilidades	$ 185 millones
Seguridad física	$ 95 millones

Tecnología e inversión en infraestructura digital

Suista asignado $ 1.8 mil millones para inversiones en tecnología en 2024, centrándose en la transformación digital y la ciberseguridad.

• Infraestructura de computación en la nube: $ 450 millones
• Sistemas de ciberseguridad: $ 275 millones
• Desarrollo de la plataforma de banca digital: $ 385 millones

Salarios y beneficios de los empleados

Los gastos totales de personal para el verdadero en 2024 alcanzan los $ 4.3 mil millones, que cubren 157,000 empleados.

Componente de compensación	Costo anual
Salarios base	$ 3.1 mil millones
Beneficios de atención médica	$ 520 millones
Contribuciones de jubilación	$ 340 millones

Costos de cumplimiento regulatorio y gestión de riesgos

Los gastos de cumplimiento para el verdadero en 2024 totalizan aproximadamente $ 675 millones.

• Aviso legal y regulatorio: $ 235 millones
• Tecnología de cumplimiento: $ 180 millones
• Sistemas de gestión de riesgos: $ 260 millones

Gastos de marketing y adquisición de clientes

El presupuesto de marketing de Truist para 2024 es de $ 425 millones.

Canal de marketing	Presupuesto asignado
Marketing digital	$ 185 millones
Medios tradicionales	$ 145 millones
Campañas de adquisición de clientes	$ 95 millones

Truist Financial Corporation (TFC) - Modelo de negocios: flujos de ingresos

Ingresos por intereses de préstamos y productos de crédito

Para el año fiscal 2023, Truist Financial Corporation informó ingresos por intereses netos de $ 13.64 mil millones. El desglose de los ingresos por intereses por categoría de productos es el siguiente:

Categoría de préstamo	Ingresos de intereses ($ B)
Préstamos comerciales	6.87
Préstamos al consumo	4.52
Préstamos hipotecarios	2.25

Tarifas bancarias y cargos de servicio

Truist generó $ 3.98 mil millones en ingresos sin intereses a partir de tarifas bancarias en 2023:

• Tarifas de mantenimiento de la cuenta: $ 1.24 mil millones
• Cargos por sobregiro: $ 0.76 mil millones
• Tarifas de transacción de cajeros automáticos: $ 0.42 mil millones
• Otros cargos de servicio bancario: $ 1.56 mil millones

Tarifas de gestión de inversión y patrimonio

Los ingresos por servicios de inversión para 2023 totalizaron $ 2.63 mil millones:

Tipo de servicio	Ingresos ($ B)
Tarifas de gestión de activos	1.47
Servicios de asesoramiento financiero	0.82
Comisiones de corretaje	0.34

Comisiones de productos de seguro

Las fuentes de ingresos relacionadas con el seguro para 2023 ascendieron a $ 1.76 mil millones:

• Comisiones de seguro de vida: $ 0.89 mil millones
• Seguro de propiedad y víctimas: $ 0.67 mil millones
• Comisiones de productos de anualidad: $ 0.20 mil millones

Tesoro y ingresos comerciales

Las actividades de comercio y tesorería generaron $ 1.42 mil millones en ingresos para 2023:

Categoría de negociación	Ingresos ($ B)
Comercio de renta fija	0.68
Comercio de renta variable	0.44
Comercio de divisas	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.