TRUIST FINANCIAL CORP【TFC】
時価総額
$643.9億
PER
消費者・中小企業向け銀行や投資銀行、資産運用の米国大手。デジタルバンキングと商業融資、決済サービスを展開。2024年5月に保険事業TIHの持分売却完了、2024年6月に自社株買い枠50億ドル承認。支店数1,928拠点(2024年12月31日)。
| 2010年 12月31日 | 2011年 12月31日 | 2012年 12月31日 | 2013年 12月31日 | 2014年 12月31日 | 2015年 12月31日 | 2016年 12月31日 | 2017年 12月31日 | 2018年 12月31日 | 2019年 12月31日 | 2020年 12月31日 | 2021年 12月31日 | 2022年 12月31日 | 2023年 12月31日 | 2024年 12月31日 | |
| Interest and fees on loans and leases | 6,080 | 6,119 | 5,980 | 5,603 | 5,163 | 5,347 | 5,985 | 6,230 | 6,894 | 7,982 | 13,485 | 11,481 | 13,252 | 19,518 | 19,230 |
| Interest on securities | 1,019 | 747 | 907 | 871 | 939 | 941 | 1,029 | 1,092 | 1,160 | 1,319 | 1,739 | 2,090 | 2,763 | 3,066 | 3,506 |
| Interest on other earning assets | 16 | 19 | 30 | 33 | 40 | 39 | 52 | 52 | 66 | 108 | 324 | 203 | 622 | 1,872 | 2,330 |
| Total interest income | 7,115 | 6,885 | 6,917 | 6,507 | 6,142 | 6,327 | 7,066 | 7,374 | 8,120 | 9,409 | 15,548 | 13,774 | 16,637 | 24,456 | 25,066 |
| Interest on deposits | 917 | 610 | 429 | 301 | 239 | 233 | 251 | 344 | 644 | 1,101 | 785 | 148 | 1,145 | 6,355 | 7,849 |
| Interest on long-term debt | 856 | 757 | 624 | 584 | 525 | 498 | 485 | 454 | 683 | 797 | 800 | 573 | 791 | 2,215 | 1,813 |
| Interest on other borrowings | 22 | 11 | 7 | 6 | 4 | 4 | 9 | 41 | 111 | 198 | 137 | 47 | 385 | 1,286 | 1,313 |
| Total interest expense | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 10,975 |
| Net Interest Income | 5,320 | 5,507 | 5,857 | 5,616 | 5,374 | 5,592 | 6,321 | 6,535 | 6,682 | 7,313 | 13,826 | 13,006 | 14,316 | 14,600 | 14,091 |
| Provision for credit losses | 2,638 | 1,190 | 1,057 | 592 | 251 | 428 | 572 | 547 | 566 | 615 | 2,335 | -813 | 777 | 2,109 | 1,870 |
| Net Interest Income After Provision for Credit Losses | 2,682 | 4,317 | 4,800 | 5,024 | 5,123 | 5,164 | 5,749 | 5,988 | 6,116 | 6,698 | 11,491 | 13,819 | 13,539 | 12,491 | 12,221 |
| Wealth management income | - | - | - | - | - | - | - | - | 285 | 715 | 1,277 | 1,392 | 1,338 | 1,358 | 1,412 |
| Investment banking and trading income | - | - | - | - | - | - | - | - | 477 | 244 | 944 | 1,441 | 995 | 822 | 1,203 |
| Credit Card | - | - | - | - | - | - | - | - | 287 | 555 | 761 | 874 | 944 | 936 | 907 |
| Deposit Account | - | - | - | - | - | - | - | - | 712 | 762 | 1,020 | 1,060 | 1,026 | 869 | 915 |
| Mortgage banking income | - | - | - | - | - | - | - | - | 358 | 285 | 1,000 | 555 | 460 | 437 | 432 |
| Lending related fees | - | - | - | - | - | - | - | - | - | 124 | 315 | 349 | 375 | 447 | 366 |
| Operating lease income | - | - | - | - | - | - | - | - | 145 | 153 | 309 | 262 | 258 | 254 | 205 |
| Securities gains (losses) | - | - | - | - | - | - | - | - | 3 | -116 | 402 | - | -71 | - | -6,651 |
| Other income | - | - | - | - | - | - | - | - | 420 | 216 | 208 | 368 | 351 | 313 | 398 |
| Noninterest Income | 3,957 | 3,113 | 3,820 | 3,937 | 3,784 | 4,019 | 4,472 | 4,782 | 4,876 | 5,255 | 8,879 | 9,290 | 8,719 | 8,790 | -813 |
| Personnel expense | 2,616 | 2,727 | 3,125 | 3,293 | 3,180 | 3,469 | 3,964 | 4,121 | 4,313 | 4,833 | 8,146 | 8,632 | 8,467 | 8,654 | 6,506 |
| Professional Fees | 334 | 174 | 156 | 189 | 139 | 130 | 102 | 123 | 138 | 433 | 1,252 | 1,442 | 1,411 | 1,341 | 1,337 |
| Software expense | - | - | - | - | - | - | - | - | 272 | 338 | 862 | 945 | 932 | 929 | 896 |
| Occupancy, Net | 608 | 616 | 650 | 692 | 682 | 708 | 786 | 784 | 758 | 507 | 904 | 764 | 744 | 715 | 656 |
| Equipment expense | - | - | - | - | - | - | - | - | - | 280 | 484 | 513 | 478 | 409 | 373 |
| Amortization of Intangible Assets | 122 | 99 | 110 | 106 | 91 | 105 | 150 | 142 | 131 | 164 | 685 | 574 | 583 | 527 | 345 |
| Marketing and Advertising Expense | - | - | - | - | - | - | - | - | - | 137 | 273 | 294 | 352 | 297 | 268 |
| Operating lease depreciation | - | - | - | - | - | - | - | - | - | 136 | 258 | 190 | 184 | 175 | 144 |
| Regulatory costs | - | - | - | - | - | - | - | 153 | 134 | 81 | 125 | 137 | 183 | 824 | 344 |
| Restructuring charges | 69 | 16 | 68 | 46 | 46 | 165 | 171 | 115 | 146 | 360 | 860 | 822 | 513 | 375 | 120 |
| Goodwill, Impairment Loss | - | - | - | - | - | - | - | - | - | - | - | - | - | 6,078 | - |
| Other expense | - | - | - | - | - | - | - | - | - | - | - | - | - | 1,142 | 1,020 |
| Total noninterest expense | 5,670 | 5,802 | 5,828 | 5,837 | 5,921 | 6,266 | 6,721 | 7,444 | 6,932 | 7,934 | 14,897 | 15,116 | 14,589 | 21,466 | 12,009 |
| Income (loss) before income taxes | - | - | - | - | 2,986 | 2,917 | 3,500 | 3,326 | 4,060 | 4,019 | 5,473 | 7,993 | 7,669 | -185 | -601 |
| Income Tax Expense (Benefit) | 115 | 296 | 764 | 1,395 | 760 | 794 | 1,058 | 911 | 803 | 782 | 981 | 1,556 | 1,402 | 862 | -556 |
| Net income (loss) from continuing operations | - | - | - | - | - | - | - | - | - | - | - | - | - | - | -45 |
| Net income from discontinued operations | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 4,885 |
| Net income (loss) | 854 | 1,332 | 2,028 | 1,729 | 2,226 | 2,123 | 2,442 | 2,415 | 3,257 | 3,237 | 4,492 | 6,437 | 6,267 | -1,047 | 4,840 |
| Noncontrolling interests from discontinued operations | 38 | 43 | 49 | 50 | 75 | 39 | 16 | 21 | 20 | 13 | 10 | -3 | 7 | 44 | 22 |
| Preferred stock dividends and other | - | - | 63 | 117 | 148 | 148 | 167 | 174 | 174 | 196 | 298 | 407 | 333 | 361 | 349 |
| Net income (loss) available to common shareholders | 816 | 1,289 | 1,916 | 1,562 | 2,003 | 1,936 | 2,259 | 2,220 | 3,063 | 3,028 | 4,184 | 6,033 | 5,927 | -1,452 | 4,469 |
| Basic earnings from continuing operations | - | - | - | - | - | - | - | - | - | - | - | - | - | - | -0.3 |
| Basic EPS | 1.18 | 1.85 | 2.74 | 2.22 | 2.79 | 2.59 | 2.81 | 2.78 | 3.96 | 3.76 | 3.11 | 4.51 | 4.46 | -1.09 | 3.36 |
| Diluted earnings from continuing operations | - | - | - | - | - | - | - | - | - | - | - | - | - | - | -0.3 |
| Diluted EPS | 1.16 | 1.83 | 2.7 | 2.19 | 2.75 | 2.56 | 2.77 | 2.74 | 3.91 | 3.71 | 3.08 | 4.47 | 4.43 | -1.09 | 3.36 |