Truist (TFC) Q4 2025 Earnings Call Transcript

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Jan. 21, 2026 astatine 8 a.m. ET

• Chairman and Chief Executive Officer — William Rogers Jr.

• Chief Financial Officer — Mike Maguire

• Chief Accounting Officer — Brad Bender

• Head of Investor Relations — Brad Milsaps

William Rogers Jr.: It drives our strategy and fuels our committedness to our clients and the communities we serve. Despite marketplace volatility aboriginal successful 2025, we stayed focused connected supporting our clients and executing our maturation and profitability agenda. This subject drove higher earnings, stronger lawsuit relationships, and attracted caller business. A cardinal to delivering connected our intent and show is the concern successful our business, markets, and teammates.

Some of these important investments see enhancing our tech and integer capabilities successful areas similar AI, improving the lawsuit experience, recruiting and processing talented teammates to counsel and service clients with much analyzable and industry-specific fiscal needs, announcing plans to unfastened 100 caller insight-driven branches successful high-growth markets, arsenic good arsenic enhancements to much than 300 subdivision locations successful each markets. These investments underscore our committedness to the communities we service and presumption america to present much personalized proposal and make opportunities for outsized growth. As we participate 2026, our intent continues to usher our absorption connected growth, profitability, and deeper lawsuit relationships. We're expanding our beingness and delivering much differentiated advice-driven experiences.

I look guardant to sharing much of these priorities during today's call. Let's crook to descent five. We closed 2025 with beardown results and wide momentum heading into 2026. Delivered nett income disposable to communal shareholders of $1.3 cardinal oregon $1 per diluted stock for the 4th fourth and $5 cardinal oregon $3.82 per diluted stock for the afloat twelvemonth 2025. These results see definite charges specified arsenic severance and an accrual related to a circumstantial ineligible substance that was settled successful 2026 which totaled $0.12 a stock for the 4th and $0.18 per stock for the year.

At the commencement of past year, we outlined 5 strategical priorities aimed astatine accelerating our show and improving our profitability successful 2025 and beyond. While there's much to accomplish, I'm arrogant of the advancement we made arsenic a institution successful 2025, and excited astir the momentum we person entering this year. First, we proceed to make beardown broad-based indebtedness maturation successful some wholesale banking and user and tiny concern banking driven by caller indebtedness accumulation and accrued lawsuit acquisition. Second, beardown indebtedness growth, amended second-half results successful concern banking, trading, and wealth, on with continued disbursal discipline, drove 100 ground points of affirmative adjusted operating leverage successful 2025.