Truist Financial Corporation (TFC): Modelo de Negócios Canvas [Jan-2025 Atualizado]

No cenário dinâmico dos serviços financeiros, a Truist Financial Corporation surge como uma potência estratégica, misturando perfeitamente as proezas bancárias tradicionais com a inovação digital de ponta. Ao criar meticulosamente um modelo de negócios abrangente que abrange vários segmentos de clientes e alavanca parcerias tecnológicas avançadas, a Truist se posicionou como uma força transformadora no ecossistema bancário do sudeste dos Estados Unidos. Essa exploração do modelo de negócios da Truist Canvas revela os intrincados mecanismos que impulsionam seu sucesso, revelando como eles sintetizam serviços personalizados, infraestrutura digital robusta e estratégias focadas na comunidade para oferecer experiências financeiras excepcionais.

Truist Financial Corporation (TFC) - Modelo de negócios: Parcerias -chave

Aliança estratégica com empresas de tecnologia para soluções bancárias digitais

A Truist estabeleceu parcerias de tecnologia estratégica com as seguintes empresas -chave:

Parceiro de tecnologia	Foco em parceria	Ano de implementação
Salesforce	Gerenciamento de relacionamento com o cliente	2022
Microsoft Azure	Infraestrutura em nuvem	2021
Floco de neve	Plataforma de análise de dados	2023

Parcerias com provedores de seguros para serviços financeiros abrangentes

A Truist desenvolveu parcerias abrangentes de seguros:

• Serviços de Seguros da BB&T (adquiridos em 2019)
• Parceria com o Progressive Insurance for Auto Insurance Integration
• Colaboração com seguro nacional para produtos de seguro pessoal e comercial

Colaboração com empresas locais e organizações comunitárias

Truist mantém parcerias locais estratégicas em 17 estados com:

Tipo de parceria	Número de parcerias	Investimento total
Redes de negócios locais	387	US $ 42,5 milhões
Organizações de desenvolvimento comunitário	214	US $ 28,3 milhões

Joint ventures com startups de fintech para produtos financeiros inovadores

Investimentos de capital de risco de verdade em startups de fintech:

• Fundo Truist Ventures: US $ 250 milhões alocados para investimentos da Fintech
• Investimentos ativos em 12 startups de fintech a partir de 2024
• As áreas de foco incluem blockchain, soluções financeiras orientadas pela IA e plataformas de pagamento digital

Truist Financial Corporation (TFC) - Modelo de negócios: Atividades -chave

Serviços bancários comerciais e de varejo

Total de ativos bancários a partir do quarto trimestre 2023: US $ 590 bilhões

Serviço bancário	Volume anual de transações	Número de clientes
Empréstimos comerciais	US $ 215,6 bilhões	87.500 clientes comerciais
Banco de varejo	US $ 374,3 bilhões	16 milhões de clientes individuais

Gerenciamento de patrimônio e consultoria de investimento

Total de ativos sob gestão (AUM) em 2023: US $ 327 bilhões

• Número de consultores financeiros: 2.700
• Valor médio do portfólio de clientes: US $ 1,4 milhão
• Produtos de investimento gerenciados: 287 fundos distintos

Desenvolvimento da plataforma bancária digital

Investimento bancário digital em 2023: US $ 412 milhões

Métrica da plataforma digital	2023 dados
Usuários bancários móveis	10,2 milhões
Transações bancárias online	1,6 bilhão anualmente

Integração de fusão e aquisição

Custos de integração tota

• Ramo consolidado: 740
• Racionalização da força de trabalho dos funcionários: 4.300 posições
• Orçamento de integração do sistema de tecnologia: US $ 625 milhões

Gerenciamento de riscos e conformidade

Despesas anuais de conformidade e gerenciamento de riscos: US $ 782 milhões

Categoria de gerenciamento de riscos	Alocação de orçamento anual
Segurança cibernética	US $ 287 milhões
Conformidade regulatória	US $ 495 milhões

Truist Financial Corporation (TFC) - Modelo de negócios: Recursos -chave

Extensa rede de filiais

A partir do quarto trimestre de 2023, a Truist opera 2.141 filiais em 17 estados, principalmente no sudeste dos Estados Unidos. A rede cobre aproximadamente 2,5 milhões de pés quadrados de infraestrutura bancária física.

Presença geográfica	Número de ramificações
Filiais totais	2,141
Estados cobertos	17

Infraestrutura de tecnologia bancária digital

A plataforma digital da Truist suporta:

• Aplicativo bancário móvel com 5,2 milhões de usuários ativos
• Volume de transação digital de 1,8 bilhão anualmente
• US $ 12,4 bilhões investidos em infraestrutura tecnológica

Recursos de capital humano

A Truist emprega 120.375 funcionários em período integral em 31 de dezembro de 2023.

Categoria de funcionários	Número
Total de funcionários	120,375
Profissionais de tecnologia	18,056

Capital financeiro e base de ativos

Métricas financeiras a partir do quarto trimestre 2023:

• Total de ativos: US $ 573,9 bilhões
• Total dos acionistas dos acionistas: US $ 51,2 bilhões
• Tier 1 Capital Ratio: 11,2%

Dados e insights do cliente

Truist gerencia:

• Banco de dados de clientes de 19,3 milhões de indivíduos
• US $ 387 bilhões em depósitos totais
• Processamento avançado de plataforma de análise de análise 2.6 Petabytes de dados do cliente

Truist Financial Corporation (TFC) - Modelo de negócios: proposições de valor

Serviços financeiros integrados em vários setores

A Truist oferece serviços financeiros abrangentes com US $ 579 bilhões em ativos totais a partir do quarto trimestre de 2023. O banco fornece serviços nos setores de gerenciamento comercial, de varejo, varejo e patrimônio.

Categoria de serviço	Contribuição da receita
Bancos comerciais	US $ 4,2 bilhões
Banco de varejo	US $ 3,8 bilhões
Gestão de patrimônio	US $ 1,5 bilhão

Soluções bancárias personalizadas para diversas necessidades de clientes

A Truist atende a aproximadamente 19 milhões de clientes com soluções financeiras personalizadas.

• Bancos de pequenas empresas: 2,3 milhões de clientes comerciais
• Banco pessoal: 15,7 milhões de clientes individuais
• Banco corporativo: 1 milhão de clientes corporativos

Experiências de bancos digitais e móveis avançados

Plataforma bancária digital com 6,5 milhões de usuários digitais ativos e 4,2 milhões de usuários bancários móveis.

Métricas de plataforma digital	Número
Downloads de aplicativos móveis	3,8 milhões
Volume de transações online	287 milhões anualmente

Compromisso com o desenvolvimento da comunidade e a responsabilidade social

Compromisso de investimento comunitário de US $ 500 milhões por meio de vários programas sociais.

• Empréstimos de desenvolvimento comunitário: US $ 250 milhões
• Iniciativas de empoderamento econômico: US $ 150 milhões
• Programas de sustentabilidade ambiental: US $ 100 milhões

Taxas de juros competitivas e produtos financeiros

Oferecendo taxas competitivas em vários produtos financeiros.

Produto	Taxa de juro
Conta de poupança pessoal	4.25%
Conta de corrente pessoal	0.01% - 0.10%
Taxas de hipoteca	6.75% - 7.25%

Truist Financial Corporation (TFC) - Modelo de Negócios: Relacionamentos do Cliente

Atendimento ao cliente personalizado e gerenciamento de relacionamento

A Truist mantém 2.141 agências e 4.702 caixas eletrônicos em 15 estados a partir do quarto trimestre 2023. O banco atende aproximadamente 19 milhões de clientes com uma abordagem dedicada ao gerenciamento de relacionamento.

Métrica de atendimento ao cliente	2023 desempenho
Pontuação média de satisfação do cliente	4.2/5
Taxa de envolvimento do cliente digital	68%
Taxa anual de retenção de clientes	87%

Plataformas de autoatendimento digital

As plataformas digitais Truist incluem:

• Aplicativo bancário móvel com 7,2 milhões de usuários ativos
• Plataforma bancária on -line suportando 92% das transações bancárias comuns
• Processo de abertura da conta digital com taxa de conclusão de 65%

Gerentes de relacionamento dedicados

Segmento de cliente	Gerentes dedicados	Tamanho médio do portfólio
Indivíduos de alta rede	1.287 gerentes	US $ 50 milhões por gerente
Banking de negócios	2.104 gerentes de relacionamento	US $ 75 milhões por gerente

Conselhos financeiros proativos

Truist fornece Consultas financeiras de cortesia com 3.412 consultores financeiros certificados em sua rede.

Suporte de comunicação multicanal

• Suporte telefônico: atendimento ao cliente 24/7
• Chat ao vivo: tempo médio de resposta 47 segundos
• Suporte por e -mail: taxa de resposta de 95% dentro de 24 horas
• Canais de suporte de mídia social: Facebook, Twitter, LinkedIn

Truist Financial Corporation (TFC) - Modelo de Negócios: Canais

Rede de ramificação física

Em 2024, a Truist Financial opera aproximadamente 2.141 agências de varejo em 17 estados. A rede de filiais abrange a seguinte distribuição geográfica:

Região	Número de ramificações	Porcentagem da rede total
Sudeste dos Estados Unidos	1,647	76.9%
Estados do meio do Atlântico	342	16%
Outras regiões	152	7.1%

Plataforma bancária online

Recursos de plataforma bancária digital da Truist:

• 2,1 milhões de usuários bancários online ativos
• 99,7% de confiabilidade no tempo de atividade
• Protocolo de segurança de criptografia de 256 bits

Aplicativo bancário móvel

Estatísticas bancárias móveis para Truist:

Métrica	2024 dados
Downloads de aplicativos móveis totais	4,3 milhões
Usuários ativos mensais	2,8 milhões
Volume de transação bancária móvel	142 milhões de transações mensais

Centros de atendimento ao cliente

Truist sustenta 12 centros de atendimento ao cliente com as seguintes métricas operacionais:

• Tempo médio de resposta de chamada: 47 segundos
• Disponibilidade de suporte ao cliente 24/7
• Suporte de vários idiomas em 6 idiomas

Rede ATM

A infraestrutura ATM da Truist inclui:

Categoria ATM	Número total	Cobertura de rede
Caixas eletrônicos proprietários	2,324	17 estados
ATMs de rede de parceiros	43,000+	Em todo o país

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

Clientes bancários de varejo individuais

A partir do quarto trimestre de 2023, a Truist atende a aproximadamente 18 milhões de clientes bancários de varejo em 17 estados. Aparelhamento demográfico do cliente:

Faixa etária	Percentagem
18-34 anos	32%
35-54 anos	41%
55 anos ou mais	27%

Pequenas e médias empresas

A Truist suporta 2,3 milhões de clientes comerciais pequenos e médios, com receitas anuais que variam de US $ 500.000 a US $ 50 milhões.

• Portfólio total de empréstimos para pequenas empresas: US $ 42,3 bilhões
• Tamanho médio de empréstimo comercial: US $ 375.000
• Clientes bancários de negócios em 17 estados

Grandes clientes corporativos

O segmento de clientes corporativos inclui 4.500 relacionamentos corporativos com receitas superiores a US $ 50 milhões.

Segmento da indústria	Número de clientes
Assistência médica	687
Tecnologia	542
Fabricação	456

Indivíduos de alta rede

A Truist Private Wealth Management atende a 85.000 clientes de alta rede com ativos acima de US $ 1 milhão.

• Patrimônio líquido médio do cliente: US $ 3,2 milhões
• Total de ativos sob gestão: US $ 274 bilhões

Investidores institucionais

O segmento de investidores institucionais inclui 1.200 clientes institucionais.

Tipo de investidor	Total de ativos
Fundos de pensão	US $ 86 bilhões
Doações	US $ 42 bilhões
Fundações	US $ 23 bilhões

Truist Financial Corporation (TFC) - Modelo de negócios: estrutura de custos

Operação de ramificação e despesas de manutenção

A partir de 2024, a Truist Financial Corporation mantém 2.141 filiais em 15 estados, com custos anuais de operação de filial estimados em US $ 1,2 bilhão. As despesas de manutenção da instalação representam aproximadamente US $ 350 milhões anualmente.

Categoria de despesa	Custo anual
Aluguel/arrendamento da filial	US $ 425 milhões
Utilitários	US $ 185 milhões
Segurança física	US $ 95 milhões

Investimento em tecnologia e infraestrutura digital

Truist alocado US $ 1,8 bilhão para investimentos em tecnologia Em 2024, focando na transformação digital e na segurança cibernética.

• Infraestrutura de computação em nuvem: US $ 450 milhões
• Sistemas de segurança cibernética: US $ 275 milhões
• Desenvolvimento da plataforma bancária digital: US $ 385 milhões

Salários e benefícios dos funcionários

O total de despesas de pessoal para Truist em 2024 atinge US $ 4,3 bilhões, cobrindo 157.000 funcionários.

Componente de compensação	Custo anual
Salários da base	US $ 3,1 bilhões
Benefícios de saúde	US $ 520 milhões
Contribuições de aposentadoria	US $ 340 milhões

Custos de conformidade regulatória e gerenciamento de riscos

As despesas de conformidade para Truist em 2024 totalizam aproximadamente US $ 675 milhões.

• Aviso legal e regulatório: US $ 235 milhões
• Tecnologia de conformidade: US $ 180 milhões
• Sistemas de gerenciamento de riscos: US $ 260 milhões

Despesas de marketing e aquisição de clientes

O orçamento de marketing da Truist para 2024 é de US $ 425 milhões.

Canal de marketing	Orçamento alocado
Marketing digital	US $ 185 milhões
Mídia tradicional	US $ 145 milhões
Campanhas de aquisição de clientes	US $ 95 milhões

Truist Financial Corporation (TFC) - Modelo de negócios: fluxos de receita

Receita de juros de empréstimos e produtos de crédito

Para o ano fiscal de 2023, a Truist Financial Corporation registrou receita de juros líquidos de US $ 13,64 bilhões. A repartição da receita de juros pela categoria de produto é a seguinte:

Categoria de empréstimo	Receita de juros ($ B)
Empréstimos comerciais	6.87
Empréstimos ao consumidor	4.52
Empréstimos hipotecários	2.25

Taxas bancárias e cobranças de serviço

A Truist gerou US $ 3,98 bilhões em receita não de juros das taxas bancárias em 2023:

• Taxas de manutenção da conta: US $ 1,24 bilhão
• Cobra o cheque especial: US $ 0,76 bilhão
• Taxas de transação ATM: US $ 0,42 bilhão
• Outras cobranças de serviço bancário: US $ 1,56 bilhão

Taxas de investimento e gerenciamento de patrimônio

A receita de serviços de investimento para 2023 totalizou US $ 2,63 bilhões:

Tipo de serviço	Receita ($ B)
Taxas de gerenciamento de ativos	1.47
Serviços de Consultoria Financeira	0.82
Comissões de corretagem	0.34

Comissões de produtos de seguro

Os fluxos de receita relacionados ao seguro para 2023 totalizaram US $ 1,76 bilhão:

• Comissões de seguro de vida: US $ 0,89 bilhão
• Seguro de propriedade e vítimas: US $ 0,67 bilhão
• Comissões de produto de anuidade: US $ 0,20 bilhão

Receita do Tesouro e Negociação

As atividades de negociação e tesouro geraram US $ 1,42 bilhão em receita para 2023:

Categoria de negociação	Receita ($ B)
Negociação de renda fixa	0.68
Negociação de ações	0.44
Comércio de câmbio	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.