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Truist Financial Goldman Sachs U.S. Financial Services Conference summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Goldman Sachs U.S. Financial Services Conference summary9 Dec, 2025
Business momentum and strategic focus
Shifted to an offensive strategy with simplified business model, disciplined expense management, and strong team alignment, resulting in significant client acquisition and loan growth momentum into next year.
Onboarded twice as many middle-market clients compared to last year, with clear strategic and incentive alignment across business lines.
Focused on forward-looking growth, moving from discussing potential to highlighting achieved results.
Path to 15% ROTCE by 2027
Committed to achieving a 15% ROTCE by 2027 through stable capital, higher revenue velocity, and focus on high-ROA businesses like investment banking, payments, and wealth.
Internal alignment around growth and return profile has energized teams, with macroeconomic factors seen as the main risk.
Loan and deposit growth outlook
Loan growth driven by strategic alignment, focus on profitable and return-oriented expansion, and net new client acquisition.
Expect wholesale/commercial lending to lead growth next year, with consumer lending as an early driver this year.
Deposit growth catching up to lending, with strong momentum in Premier Banking and new market expansion, especially in Texas and Philadelphia.
Client deposit growth prioritized over wholesale funding, aiming for improved deposit mix and repricing over time.
Major macro risks to 15% ROTCE target
How will loan growth mix shift in 2026
Plan to improve deposit beta vs peers
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Next Truist Financial earnings date
Q4 202521 Jan, 2026
Next Truist Financial earnings date
Q4 202521 Jan, 2026
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Frequently asked questions
From financial services to investment banking
Truist Financial Corporation is a major US bank holding company formed through the merger of BB&T and SunTrust in 2019. The company offers a range of financial services, including banking, lending, and wealth management.
Different revenue streams
One of the primary ways that Truist Financial generates revenue is through interest income. The company offers a range of banking products, including savings accounts, checking accounts, and loans, which generate interest income. Truist Financial also generates interest income through its investment portfolio, which includes a range of assets such as bonds, securities, and other financial instruments.
Fees and commissions
In addition to interest income, Truist Financial also generates revenue through fees and commissions. The company charges fees for a variety of banking services, including ATM usage, wire transfers, and overdraft protection. Truist Financial also earns commissions on investment products, such as mutual funds and insurance policies.
Investment banking services
Truist Financial also generates revenue through investment banking services. They offer a wide range of services, including underwriting, mergers and acquisitions, and capital markets. Truist Financial works with a variety of clients, including corporations, governments, and institutional investors, to help them raise capital, execute strategic transactions, and manage risk. It is a market segment driven by fierce competition and they go up against giants such as Bank of America, JP Morgan, Goldman Sachs, Citigroup, and Barclays.
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