Truist Financial Corp 2025年季度报告

☒Quarterly Report Pursuant to Section13 or 15(d)ofthe Securities Exchange Act of 1934For the quarterly period ended:March31, 2025Commission File Number:1-10853 TRUIST FINANCIAL CORPORATION Common Stock, $5 par value Indicate by check mark whether the registrant (1)has filed all reports required to be filed by Section13 or 15(d) of theSecurities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant wasrequired to file such reports), and (2)has been subject to such filing requirements for the past 90 days.Yes☒No☐ Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to besubmitted pursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for suchshorter period that the registrant was required to submit such files).Yes☒No☐ Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, asmaller reporting company, or an emerging growth company. See the definitions of “large accelerated filer,” “acceleratedfiler,” “smaller reporting company” and “emerging growth company” in Rule 12b-2 of the Exchange Act. Large accelerated filer☒Accelerated filer☐Non-accelerated filer☐Smaller reporting company☐Emerging growth company☐ If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transitionperiod for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of theExchange Act.☐ Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act). Yes☐No☒ At March31, 2025,1,309,538,961shares of the registrant’s common stock, $5 par value, were outstanding. TABLE OF CONTENTSTRUIST FINANCIAL CORPORATIONFORM 10-QMarch 31, 2025 Glossary of Defined Terms Forward-Looking Statements and Other Terms From time to time we have made, and in the future will make, forward-looking statements within the meaning of the Private Securities Litigation Reform Act of1995. These statements can be identified by the fact that they do not relate strictly to historical or current facts. Forward-looking statements often use words suchas “believe,” “expect,” “anticipate,” “intend,” “pursue,” “seek,” “continue,” “estimate,” “project,” “outlook,” “forecast,” “potential,” “target,” “objective,” “trend,” “plan,”“goal,” “initiative,” “priorities,” or other words of comparable meaning or future-tense or conditional verbs such as “may,” “will,” “should,” “would,” or “could.”Forward-looking statements convey our expectations, intentions, or forecasts about future events, circumstances, or results. This report, including any information incorporated by reference in this report, contains forward-looking statements. We also may make forward-looking statementsin other documents that are filed or furnished with the SEC. In addition, we may make forward-looking statements orally or in writing to investors, analysts,members of the media, and others. All forward-looking statements, by their nature, are subject to assumptions, risks, and uncertainties, which may change overtime and many of which are beyond our control. You should not rely on any forward-looking statement as a prediction or guarantee about the future. Actual futureobjectives, strategies, plans, prospects, performance, conditions, and results may differ materially from those set forth in any forward-looking statement. While nolist of assumptions, risks, and uncertainties could be complete, some of the factors that may cause actual results or other future events or circumstances to differfrom those in forward-looking statements include: •evolving political, geopolitical, business, social, economic, and market conditions at local, regional, national, and international levels;•monetary, fiscal, and trade laws or policies, including tariffs or responses to rates of inflation above target levels;•the legal, regulatory, and supervisory environment, including changes in financial-services legislation, regulation, policies, or government officials or otherpersonnel;•our ability to address heightened scrutiny and expectations from supervisory or other governmental authorities and to timely and credibly remediate relatedconcerns or deficiencies;•judicial, regulatory, and administrative inquiries, examinations, investigations, proceedings, disputes, or rulings that create uncertainty for or are adverse to usor the financial-services industry;•the outcomes of judicial, regulatory, and administrative inquiries, examinations, investigations, proceedings, disputes, or rulings to which we are or may besubject (either directly or indirectly through our ownership interests in other entities) and our ability to absorb and address any damages or other remediesthat are sought or awarded and any collateral consequences;•evolving accounting standards and policies;•the ad