[GUEST ACCESS MODE: Data is scrambled or limited to provide examples. Make requests using your API key to unlock full data. Check https://lunarcrush.ai/auth for authentication information.]  LongYield [@LongYield](/creator/twitter/LongYield) on x 4470 followers Created: 2025-07-20 16:36:40 UTC $TFC Truist Financial Corporation Earnings Call Key Highlights: (2/2) 📉 Credit Quality and Loan Loss Provisions Net charge-offs declined by X basis points to XX bps; consumer net charge-offs reached their lowest level since Q3 2023. Allowance for loan and lease losses (ALLL) declined X basis points to 1.54%, driven by improved outlooks in CRE office and multifamily segments. Nonperforming loans declined X basis points sequentially to XXXX% of total loans, supported by reductions in CRE and C&I nonaccruals. Provision exceeded charge-offs by $XX million, but overall credit trends remained stable; portfolio quality remains strong despite macro uncertainties. 📲 Digital Strategy and Innovation Digital account production rose XX% year-over-year; XX% of new clients onboarded through digital channels, up XXX bps from Q2 2024. Full integration of LightStream lending into the digital platform enhances access to personal loans and supports broader client acquisition. More than XXX million clients now use digital financial tools, representing a XX% year-over-year increase in engagement. Truist became the first bank to enable real-time payment (RTP) requests using an alias like a mobile number or email, enhancing both B2C and C2B payment capabilities. 🏛️ Strategic Business Segments and Client Expansion Wealth AUM increased XX% year-to-date, supported by positive net flows from premier and wholesale clients amid volatile markets. Treasury management revenue increased XX% YoY, reflecting deeper penetration in corporate client base and new digital payment solutions. Middle market and corporate banking efforts yielded a twofold increase in new client wins YTD and a XX% increase in revenue per client. Consumer client acquisition added nearly XXXXXX net new checking accounts, with younger and more affluent clients comprising a growing share. 💼 Expense Discipline and Investment Focus Management reaffirmed X% full-year adjusted expense growth target, with positive operating leverage of 50–150 bps for FY25. Restructuring charges of $XXXX per share largely related to severance from non-merger-related organizational changes. Ongoing investments continue in talent acquisition, payments modernization, digital infrastructure, and risk platforms. Expense management and prioritization frameworks are in place to ensure flexibility and operating leverage amid changing revenue conditions. 🔒 Capital Strength and Shareholder Returns CET1 ratio declined XX bps to XX% due to balance sheet growth and $XXX million in buybacks; AOCI-adjusted CET1 stands at 9.3%. Stress capital buffer (SCB) set to decline to XXX% floor effective October 1, following favorable CCAR results and improved PPNR modeling. Year-to-date capital return totaled $XXX billion through dividends and buybacks; Q3 repurchase guidance set at $XXX million. Capital priorities remain focused on supporting growth while maintaining payout levels near XXX% of earnings. XXX engagements  **Related Topics** [cre](/topic/cre) [losses](/topic/losses) [quarterly earnings](/topic/quarterly-earnings) [$tfc](/topic/$tfc) [truist financial corp](/topic/truist-financial-corp) [stocks financial services](/topic/stocks-financial-services) [stocks banks](/topic/stocks-banks) [Post Link](https://x.com/LongYield/status/1946972538040381804)
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LongYield @LongYield on x 4470 followers
Created: 2025-07-20 16:36:40 UTC
$TFC Truist Financial Corporation Earnings Call Key Highlights: (2/2)
📉 Credit Quality and Loan Loss Provisions
Net charge-offs declined by X basis points to XX bps; consumer net charge-offs reached their lowest level since Q3 2023.
Allowance for loan and lease losses (ALLL) declined X basis points to 1.54%, driven by improved outlooks in CRE office and multifamily segments.
Nonperforming loans declined X basis points sequentially to XXXX% of total loans, supported by reductions in CRE and C&I nonaccruals.
Provision exceeded charge-offs by $XX million, but overall credit trends remained stable; portfolio quality remains strong despite macro uncertainties.
📲 Digital Strategy and Innovation
Digital account production rose XX% year-over-year; XX% of new clients onboarded through digital channels, up XXX bps from Q2 2024.
Full integration of LightStream lending into the digital platform enhances access to personal loans and supports broader client acquisition.
More than XXX million clients now use digital financial tools, representing a XX% year-over-year increase in engagement.
Truist became the first bank to enable real-time payment (RTP) requests using an alias like a mobile number or email, enhancing both B2C and C2B payment capabilities.
🏛️ Strategic Business Segments and Client Expansion
Wealth AUM increased XX% year-to-date, supported by positive net flows from premier and wholesale clients amid volatile markets.
Treasury management revenue increased XX% YoY, reflecting deeper penetration in corporate client base and new digital payment solutions.
Middle market and corporate banking efforts yielded a twofold increase in new client wins YTD and a XX% increase in revenue per client.
Consumer client acquisition added nearly XXXXXX net new checking accounts, with younger and more affluent clients comprising a growing share.
💼 Expense Discipline and Investment Focus
Management reaffirmed X% full-year adjusted expense growth target, with positive operating leverage of 50–150 bps for FY25.
Restructuring charges of $XXXX per share largely related to severance from non-merger-related organizational changes.
Ongoing investments continue in talent acquisition, payments modernization, digital infrastructure, and risk platforms.
Expense management and prioritization frameworks are in place to ensure flexibility and operating leverage amid changing revenue conditions.
🔒 Capital Strength and Shareholder Returns
CET1 ratio declined XX bps to XX% due to balance sheet growth and $XXX million in buybacks; AOCI-adjusted CET1 stands at 9.3%.
Stress capital buffer (SCB) set to decline to XXX% floor effective October 1, following favorable CCAR results and improved PPNR modeling.
Year-to-date capital return totaled $XXX billion through dividends and buybacks; Q3 repurchase guidance set at $XXX million.
Capital priorities remain focused on supporting growth while maintaining payout levels near XXX% of earnings.
XXX engagements
Related Topics cre losses quarterly earnings $tfc truist financial corp stocks financial services stocks banks