Truist Financial Corporation (TFC): Business Model Canvas [Jan-2025 Mis à jour]

Dans le paysage dynamique des services financiers, Truist Financial Corporation apparaît comme une puissance stratégique, mélangeant de manière transparente les prouesses bancaires traditionnelles à l'innovation numérique de pointe. En élaborant méticuleusement un modèle commercial complet qui couvre plusieurs segments de clients et exploite des partenariats technologiques avancés, Truist s'est positionné comme une force transformatrice dans l'écosystème bancaire du sud-est des États-Unis. Cette exploration de la toile du modèle commercial de Truist dévoile les mécanismes complexes stimulant leur succès, révélant comment ils synthétisent des services personnalisés, des infrastructures numériques robustes et des stratégies axées sur la communauté pour offrir des expériences financières exceptionnelles.

Truisist Financial Corporation (TFC) - Modèle d'entreprise: partenariats clés

Alliance stratégique avec les entreprises technologiques pour les solutions bancaires numériques

Truist a établi des partenariats technologiques stratégiques avec les entreprises clés suivantes:

Partenaire technologique	Focus de partenariat	Année de mise en œuvre
Salesforce	Gestion de la relation client	2022
Microsoft Azure	Infrastructure cloud	2021
Flocon de neige	Plateforme d'analyse de données	2023

Partenariats avec les assureurs pour des services financiers complets

Truist a développé des partenariats d'assurance complets:

• BB&T Insurance Services (acquis en 2019)
• Partenariat avec une assurance progressive pour l'intégration d'assurance automobile
• Collaboration avec l'assurance nationale pour les produits d'assurance personnelle et commerciale

Collaboration avec les entreprises locales et les organisations communautaires

Truist maintient des partenariats locaux stratégiques dans 17 États avec:

Type de partenariat	Nombre de partenariats	Investissement total
Réseaux d'entreprise locaux	387	42,5 millions de dollars
Organisations de développement communautaire	214	28,3 millions de dollars

Coentreprises avec des startups fintech pour les produits financiers innovants

Investissements de capital-risque truist dans les startups fintech:

• TRUIST Ventures Fund: 250 millions de dollars alloués aux investissements fintech
• Investissements actifs dans 12 startups fintech à partir de 2024
• Les domaines d'intérêt comprennent la blockchain, les solutions financières axées sur l'IA et les plateformes de paiement numérique

Truisist Financial Corporation (TFC) - Modèle d'entreprise: activités clés

Services bancaires commerciaux et de détail

Total des actifs bancaires au T2 2023: 590 milliards de dollars

Service bancaire	Volume de transaction annuel	Nombre de clients
Prêts commerciaux	215,6 milliards de dollars	87 500 clients commerciaux
Banque de détail	374,3 milliards de dollars	16 millions de clients individuels

Advisory de gestion de la patrimoine et d'investissement

Total des actifs sous gestion (AUM) en 2023: 327 milliards de dollars

• Nombre de conseillers financiers: 2 700
• Valeur moyenne du portefeuille des clients: 1,4 million de dollars
• Produits d'investissement gérés: 287 fonds distincts

Développement de la plate-forme bancaire numérique

Investissement bancaire numérique en 2023: 412 millions de dollars

Métrique de la plate-forme numérique	2023 données
Utilisateurs de la banque mobile	10,2 millions
Transactions bancaires en ligne	1,6 milliard par an

Intégration de fusion et d'acquisition

Coûts d'intégration totaux depuis la fusion BB & T-Suntust: 1,9 milliard de dollars

• Succursales consolidées: 740
• Rationalisation de la main-d'œuvre des employés: 4 300 postes
• Budget d'intégration du système technologique: 625 millions de dollars

Gestion des risques et conformité

Compliance et gestion des risques dépenses annuelles: 782 millions de dollars

Catégorie de gestion des risques	Allocation budgétaire annuelle
Cybersécurité	287 millions de dollars
Conformité réglementaire	495 millions de dollars

Truisist Financial Corporation (TFC) - Modèle d'entreprise: Ressources clés

Réseau de succursale étendue

Depuis le quatrième trimestre 2023, TRUIST exploite 2 141 succursales dans 17 États, principalement dans le sud-est des États-Unis. Le réseau couvre environ 2,5 millions de pieds carrés d'infrastructures bancaires physiques.

Présence géographique	Nombre de branches
Total des succursales	2,141
États couverts	17

Infrastructure de technologie bancaire numérique

Prise en charge de la plate-forme numérique de Truist:

• Application bancaire mobile avec 5,2 millions d'utilisateurs actifs
• Volume de transaction numérique de 1,8 milliard par an
• 12,4 milliards de dollars investis dans une infrastructure technologique

Ressources de capital humain

Truist emploie 120 375 employés à temps plein au 31 décembre 2023.

Catégorie des employés	Nombre
Total des employés	120,375
Professionnels de la technologie	18,056

Capital financier et base d'actifs

Mesures financières auprès du quatrième trimestre 2023:

• Actif total: 573,9 milliards de dollars
• Total des capitaux propres des actionnaires: 51,2 milliards de dollars
• Ratio de capital de niveau 1: 11,2%

Données et informations sur les clients

TRUIST gère:

• Base de données client de 19,3 millions de personnes
• 387 milliards de dollars de dépôts totaux
• Traitement de plate-forme d'analyse avancée 2.6 Petaoctets de données clients

Truisist Financial Corporation (TFC) - Modèle d'entreprise: propositions de valeur

Services financiers intégrés dans plusieurs secteurs

TRUIST offre des services financiers complets avec 579 milliards de dollars d'actifs totaux au quatrième trimestre 2023. La banque fournit des services dans les secteurs commercial, de vente au détail et de patrimoine.

Catégorie de service	Contribution des revenus
Banque commerciale	4,2 milliards de dollars
Banque de détail	3,8 milliards de dollars
Gestion de la richesse	1,5 milliard de dollars

Solutions bancaires personnalisées pour divers besoins clients

TRUIST dessert environ 19 millions de clients avec des solutions financières sur mesure.

• Banque des petites entreprises: 2,3 millions de clients commerciaux
• Banque personnelle: 15,7 millions de clients individuels
• Banque d'entreprise: 1 million de clients d'entreprise

Expériences de banque numérique et mobile avancées

Plateforme bancaire numérique avec 6,5 millions d'utilisateurs numériques actifs et 4,2 millions d'utilisateurs de banque mobile.

Métriques de plate-forme numérique	Nombre
Téléchargements d'applications mobiles	3,8 millions
Volume de transaction en ligne	287 millions par an

Engagement envers le développement communautaire et la responsabilité sociale

Engagement d'investissement communautaire de 500 millions de dollars grâce à divers programmes sociaux.

• Prêts au développement communautaire: 250 millions de dollars
• Initiatives d'autonomisation économique: 150 millions de dollars
• Programmes de durabilité environnementale: 100 millions de dollars

Taux d'intérêt concurrentiels et produits financiers

Offrant des tarifs compétitifs sur divers produits financiers.

Produit	Taux d'intérêt
Compte d'épargne personnelle	4.25%
Compte de courant personnel	0.01% - 0.10%
Taux hypothécaires	6.75% - 7.25%

Truisist Financial Corporation (TFC) - Modèle d'entreprise: relations avec les clients

Service client personnalisé et gestion des relations

Truist maintient 2 141 succursales et 4 702 guichets automatiques dans 15 États au quatrième trimestre 2023. La banque dessert environ 19 millions de clients avec une approche de gestion des relations dédiée.

Métrique du service client	Performance de 2023
Score moyen de satisfaction du client	4.2/5
Taux d'engagement client numérique	68%
Taux de rétention de la clientèle annuelle	87%

Plates-formes de libre-service numériques

Les plates-formes numériques truiques comprennent:

• Application bancaire mobile avec 7,2 millions d'utilisateurs actifs
• Plateforme bancaire en ligne soutenant 92% des transactions bancaires courantes
• Processus d'ouverture du compte numérique avec un taux d'achèvement de 65%

Gestionnaires de relations dédiées

Segment client	Managers dévoués	Taille moyenne du portefeuille
Individus à haute nette	1 287 gestionnaires	50 millions de dollars par manager
Banque d'affaires	2 104 gestionnaires de relations	75 millions de dollars par manager

Conseils financiers proactifs

Truist fournit Consultations financières complémentaires avec 3 412 conseillers financiers certifiés à travers son réseau.

Support de communication multicanal

• Prise en charge du téléphone: service client 24/7
• Chat en direct: temps de réponse moyen 47 secondes
• Assistance par e-mail: taux de réponse à 95% dans les 24 heures
• Channeaux de support des médias sociaux: Facebook, Twitter, LinkedIn

Truisist Financial Corporation (TFC) - Modèle d'entreprise: canaux

Réseau de succursale physique

En 2024, Truist Financial exploite environ 2 141 succursales au détail dans 17 États. Le réseau de branche couvre la distribution géographique suivante:

Région	Nombre de branches	Pourcentage du réseau total
Du sud-est des États-Unis	1,647	76.9%
États du milieu de l'Atlantique	342	16%
Autres régions	152	7.1%

Plateforme bancaire en ligne

Caractéristiques de la plate-forme bancaire numérique de Truist:

• 2,1 millions d'utilisateurs bancaires en ligne actifs
• Fiabilité de disponibilité à 99,7%
• Protocole de sécurité du chiffrement 256 bits

Application bancaire mobile

Statistiques des banques mobiles pour truist:

Métrique	2024 données
Téléchargements totaux d'applications mobiles	4,3 millions
Utilisateurs actifs mensuels	2,8 millions
Volume de transaction bancaire mobile	142 millions de transactions mensuelles

Centres d'appels de service client

TRUIST maintient 12 centres de service à la clientèle avec les mesures opérationnelles suivantes:

• Temps de réponse d'appel moyen: 47 secondes
• Disponibilité du support client 24/7
• Support multi-langues en 6 langues

Réseau ATM

L'infrastructure ATM de Truist comprend:

Catégorie ATM	Nombre total	Couverture réseau
MAT propriétaires	2,324	17 États
ATM du réseau partenaire	43,000+	À l'échelle nationale

Truist Financial Corporation (TFC) - Modèle d'entreprise: segments de clientèle

Clients bancaires de détail individuels

Au quatrième trimestre 2023, TRUIST dessert environ 18 millions de clients bancaires de détail dans 17 États. Répartition démographique du client:

Groupe d'âge	Pourcentage
18-34 ans	32%
35 à 54 ans	41%
Plus de 55 ans	27%

Petites et moyennes entreprises

Truist prend en charge 2,3 millions de clients commerciaux de petite et moyenne taille avec des revenus annuels allant de 500 000 $ à 50 millions de dollars.

• Portfolio total de prêts aux petites entreprises: 42,3 milliards de dollars
• Taille moyenne des prêts commerciaux: 375 000 $
• Clients bancaires d'entreprise dans 17 États

GRANDES clients d'entreprise

Le segment des clients d'entreprise comprend 4 500 relations avec les entreprises avec des revenus dépassant 50 millions de dollars.

Segment de l'industrie	Nombre de clients
Soins de santé	687
Technologie	542
Fabrication	456

Individus à haute nette

Truist Private Wealth Management dessert 85 000 clients à haute teneur en naissance avec des actifs de plus de 1 million de dollars.

• Valeur nette moyenne du client: 3,2 millions de dollars
• Total des actifs sous gestion: 274 milliards de dollars

Investisseurs institutionnels

Le segment des investisseurs institutionnels comprend 1 200 clients institutionnels.

Type d'investisseur	Actif total
Fonds de pension	86 milliards de dollars
Dotation	42 milliards de dollars
Fondations	23 milliards de dollars

Truisist Financial Corporation (TFC) - Modèle d'entreprise: Structure des coûts

Frais de fonctionnement et de maintenance de la succursale

Depuis 2024, Truist Financial Corporation conserve 2 141 succursales dans 15 États avec des coûts annuels d'exploitation des succursales estimés à 1,2 milliard de dollars. Les frais de maintenance des installations représentent environ 350 millions de dollars par an.

Catégorie de dépenses	Coût annuel
Succursale loyer / bail	425 millions de dollars
Services publics	185 millions de dollars
Sécurité physique	95 millions de dollars

Investissement technologique et infrastructure numérique

Truisiste alloué 1,8 milliard de dollars pour les investissements technologiques en 2024, en se concentrant sur la transformation numérique et la cybersécurité.

• Infrastructure de cloud computing: 450 millions de dollars
• Systèmes de cybersécurité: 275 millions de dollars
• Développement de la plate-forme bancaire numérique: 385 millions de dollars

Salaires et avantages sociaux des employés

Le total des dépenses de personnel pour Truist en 2024 atteint 4,3 milliards de dollars, couvrant 157 000 employés.

Composant de compensation	Coût annuel
Salaires de base	3,1 milliards de dollars
Avantages sociaux	520 millions de dollars
Contributions à la retraite	340 millions de dollars

Contacments de conformité réglementaire et de gestion des risques

Les dépenses de conformité pour Truist en 2024 totalisent environ 675 millions de dollars.

• Conseil juridique et réglementaire: 235 millions de dollars
• Technologie de conformité: 180 millions de dollars
• Systèmes de gestion des risques: 260 millions de dollars

Frais de marketing et d'acquisition des clients

Le budget marketing de Truist pour 2024 s'élève à 425 millions de dollars.

Canal de marketing	Budget alloué
Marketing numérique	185 millions de dollars
Médias traditionnels	145 millions de dollars
Campagnes d'acquisition de clients	95 millions de dollars

Truisist Financial Corporation (TFC) - Modèle d'entreprise: Strots de revenus

Revenu des intérêts des prêts et des produits de crédit

Pour l'exercice 2023, Truist Financial Corporation a déclaré un revenu net d'intérêts de 13,64 milliards de dollars. La rupture des revenus des intérêts par catégorie de produits est la suivante:

Catégorie de prêt	Revenu des intérêts ($ b)
Prêts commerciaux	6.87
Prêts à la consommation	4.52
Prêts hypothécaires	2.25

Frais bancaires et frais de service

TRUIST a généré 3,98 milliards de dollars de revenus sans intérêt à partir des frais bancaires en 2023:

• Frais de maintenance du compte: 1,24 milliard de dollars
• Frais de découvert: 0,76 milliard de dollars
• Frais de transaction ATM: 0,42 milliard de dollars
• Autres frais de service bancaire: 1,56 milliard de dollars

Frais d'investissement et de gestion de la patrimoine

Les revenus des services d'investissement pour 2023 ont totalisé 2,63 milliards de dollars:

Type de service	Revenus ($ b)
Frais de gestion des actifs	1.47
Services de conseil financier	0.82
Commissions de courtage	0.34

Commissions de produits d'assurance

Les sources de revenus liées à l'assurance pour 2023 s'élevaient à 1,76 milliard de dollars:

• Commissions d'assurance-vie: 0,89 milliard de dollars
• Assurance des biens et des victimes: 0,67 milliard de dollars
• Commissions de produits de rente: 0,20 milliard de dollars

Trésor et revenus commerciaux

Les activités de négociation et de trésorerie ont généré 1,42 milliard de dollars de revenus pour 2023:

Catégorie de trading	Revenus ($ b)
Trading à revenu fixe	0.68
Trading des actions	0.44
Trading de change	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.