Truist Financial Corp 2025年度报告

Builtto win 2025 Annual Report2025 Annual ReportTruist FinancialCorporation is apurpose-drivenfinancial servicescompany. Purpose We are committed to helpingclients reach their financialgoals and building long-term value for shareholders. To inspire and build betterlives and communities Our strong presence in thecountry’s most attractivemarkets, complemented byselect national capabilities,positions us to drive growth,enhance profitability, andincrease shareholder value. Mission Values TrustworthyWe serve with integrity. Clients Provide distinctive, secure,and successful clientexperiences throughtouch and technology. Caring Everyone and everymoment matters. Teammates Create an inclusive andenergizing environmentthat empowers teammatesto learn, grow, and havemeaningful careers. One Team Together, we canaccomplish anything. Success When our clients win,we all win. Stakeholders Optimize long-term value forstakeholders through safe,sound, and ethical practices. Happiness Positive energychanges lives. A letter from ourChairman & CEO To our shareholders: Our commitment to execution, innovation, andimproved profitability continues to propel Truistforward. Our purpose—to inspire and build better livesand communities—remains the driving force behindour strategic decisions and is central to how we createlong-term value for all stakeholders. This annual reportreflects our progress, outlines the foundation we’vebuilt, and shares the vision guiding us into the future. In 2025, Truist delivered strong results that not onlyreaffirmed the strength of our franchise but also set thestage for accelerated performance in 2026 and beyond.We grew earnings, attracted new clients, deepenedrelationships with existing clients, strengthenedour teammate and technology capabilities, returnedsubstantial capital to shareholders, and continuedmaking a meaningful difference in the communitieswe proudly serve. In 2025, our work centered around our strategicpriorities. These priorities kept us focused on whatmatters most—delivering distinctive advice and careto clients, fostering a high-performing and inclusiveculture for teammates, supporting communities,and generating strong and sustainable returnsfor shareholders. use of artificial intelligence (AI) andother innovations, we enhanced howwe attract, engage, and protect clients. experiences. Through disciplinedexecution and purpose-drivenleadership, we are well-positionedto drive stronger growth and createsustainable long-term value. Over the past few years, we have positioned Truist tobe a different kind of financialinstitution—one built on care,grounded in purpose, and alignedwith the evolving needs of clientsacross some of the nation’s mostattractive markets. While early-year market volatility presentedchallenges, our teams remainedsteadfast, disciplined, and focused onhelping clients navigate uncertainty.As reflected throughout thisreport, our disciplined focus on ourstrategic priorities strengthened ourbusiness, enhanced client outcomes,and reinforced the resilience andadaptability that define our company. These results represent more thanyear-over-year progress—they buildmeaningful momentum, clarity, andconfidence as we move into 2026. Building value throughstrong financialperformance Looking ahead, our strategic focusremains clear: accelerate revenuegrowth, strengthen profitability, andreturn more capital to shareholders.We remain committed to achievinga 15% return on tangible commonequity in 2027—a reflectionof our confidence in Truist’searnings power and the strengthof our strategy. At Truist, we approached theuncertainty of early 2025 withcare, urgency, and an unwaveringcommitment to our clients. Throughtailored advice, flexible solutions,and dependable partnership, wehelped clients navigate changingmarket conditions while continuingto pursue their goals. As the year progressed, thestrength of our franchise becameeven more evident. We deliveredhealthy loan growth, maintained ourexpense discipline, and upheld ourlongstanding reputation for strongcredit quality. These actions enabledus to deliver solid financial resultswhile continuing to invest in thetechnology, talent, and capabilitiesthat will shape our future. For the full year, we deliveredearnings per share of $3.82, anincrease of 14% over the prior year.Broad-based loan growth acrossboth Wholesale and Consumer,positive operating leverage, strongcredit quality, and the return of $5.2billion of capital to shareholdersall contributed to our performance.We also expanded our client base,invested in our workforce, andadvanced our technology platforms—laying the groundwork for futuregrowth. Through the responsible We will continue investing intechnology and talent to enhanceclient experiences and driveefficiency, while maintainingexpense and risk discipline ashallmarks of our culture. Our Wholesale and Consumerbusinesses are aligned to capturegreater market share, expandhigh-growth fee businesses s