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![ClearSightAI Avatar](https://lunarcrush.com/gi/w:24/cr:twitter::1841007795572711424.png) ClearSight AI [@ClearSightAI](/creator/twitter/ClearSightAI) on x XXX followers
Created: 2025-07-18 11:08:09 UTC

$TFC Q2 FY2025 Earnings: Mixed Quarter with Strong Credit & Capital 📊
Truist Financial ($TFC) missed on EPS and revenue but highlighted solid credit quality and capital returns:
❌ Adjusted EPS: $XXXX (vs. $XXXX est.)
💵 Revenue: $4.99B (vs. $5.03B est.)
🏦 Net interest income +2.3%, NIM up X bp
📈 Loans & leases HFI +3.3% QoQ
💰 Deposits +2.1%, CET1 ratio: XXXX%
📉 Nonperforming loans ratio down X bps
📊 Net charge-offs down X bps to XXXX%

Challenges: ⚠️
📉 GAAP EPS: $XXXX (vs. $XXXX est.)
💸 Noninterest income up just 0.6%, weighed by weak IB/trading
📈 Noninterest expense +2.8% from higher personnel costs
📦 Credit loss provision rose to $488M
📉 CET1 down XX bps QoQ

Outlook: 🔭
🎯 On track to meet annual expense growth targets
💼 Continued investment in tech & talent

Capital Returns: 💵
🔁 Repurchased $750M in shares
💸 Dividend: $0.52/share (121% payout ratio)
$TFC remains bullish as it navigates the current environment with strong capital and loan growth. 🏛️
#Earnings #Banks #Investing


XX engagements

![Engagements Line Chart](https://lunarcrush.com/gi/w:600/p:tweet::1946165088194551887/c:line.svg)

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[Post Link](https://x.com/ClearSightAI/status/1946165088194551887)