Truist Financial Corp 2026年季度报告

TRUIST FINANCIAL CORPORATION(Exact name of registrant as specified in its charter)_________________________________________________________________ Securities registered pursuant to Section12(b) of the Act: 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☒Non-accelerated filer☐ Accelerated filerSmaller reporting companyEmerging 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, 2026, 1,245,879,275 shares of the registrant’s common stock, $5 par value, were outstanding. TABLE OF CONTENTSTRUIST FINANCIAL CORPORATIONFORM 10-QMarch 31, 2026 Glossary of Defined Terms Forward-Looking Statements From time to time we have made, and in the future will make, forward-looking statements within the meaning of the Private Securities Litigation ReformAct of 1995. These statements can be identified by the fact that they do not relate strictly to historical or current facts. Forward-looking statements oftenuse words such as “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 current expectations, intentions, or forecasts about future events, circumstances, orresults. This report, including any information incorporated by reference in this report, contains forward-looking statements. We also may make forward-lookingstatements in other documents that are filed or furnished with the SEC. In addition, we may make forward-looking statements orally or in writing toinvestors, analysts, members of the media, and others. All forward-looking statements, by their nature, are subject to assumptions, risks, anduncertainties, which may change over time and many of which are beyond our control. You should not rely on any forward-looking statement as aprediction or guarantee about the future. Actual future objectives, strategies, plans, prospects, performance, conditions, and results may differ materiallyfrom those set forth in any forward-looking statement. While no list of assumptions, risks, and uncertainties could be complete, some of the factors thatmay cause actual results or other future events or circumstances to differ from those in forward-looking statements include: •our ability to effectively address economic, business, or market deterioration, slowdowns or disruptions;•disruptions and shifts in investor sentiment or behavior in the securities, capital, or other financial markets, including financial or systemic shocksand volatility or changes in market liquidity, interest or currency rates, or valuations;•changes in business and consumer sentiment, preferences, or behavior, including spending, borrowing, or saving by businesses or households;•negative market perceptions of our investment portfolio or its value;•our ability to manage credit risk, including in connection with the loans that we originate or purchase;•the credit, liquidity, or other financial condition of our clients, counterparties, service providers, or competitors;•our ability to cost-effectively fund our businesses and operations, including by accessing long- and short-term funding and liquidity and by retainingand growing client deposits;•our ability to manage any unexpected outflows of uninsured deposits and, in such a circumstance, to access substitute funding, and avoid sellinginvestment securities or other assets at an unfavorable time or at a loss;•changes in our credit ratings and the relate