Truist Financial Corporation (TFC) Q4 2025 Earnings Call

Investor webinar replay

Replay transcript excerpt

Greetings, ladies and gentlemen, and welcome to the Truist Financial Corporation fourth quarter 2025 earnings conference call. Currently, all participants are in a listen-only mode. A brief question and answer session will follow the formal presentation. As a reminder, this event is being recorded. It is now my pleasure to introduce your host, Mr. Brad Millsap. Thank you Betsy and good morning everyone. Welcome to Truist's fourth quarter 2025 earnings call. With us today are our Chairman and CEO Bill Rogers, our CFO Mike McGuire, our Chief Risk Officer Brad Bender, as well as other members of Truist's senior management team. During this morning's call, they will discuss Truist's fourth quarter and 2025 results, share their perspectives on current business conditions, and provide an updated outlook for 2026. The accompanying presentation, as well as our earnings release and supplemental financial information, are available on the Truist Investor Relations website, ir.truist.com. Our presentation today will include forward-looking statements and certain non-GAAP financial measures. Please review the disclosures on slides two and three of the presentation regarding these statements and measures, as well as the appendix for appropriate reconciliations to GAAP. With that, I'll turn it over to Bill. Good morning, and thank you for joining our call today. Before we discuss our fourth quarter and 2025 results, let's begin like we always do at Truist with purpose on slide four. At Truist, our purpose to inspire and build better lives and communities remains at the heart of everything we do. It drives our strategy and fuels our commitment to our clients and the communities we serve. Despite market volatility early in 2025, we stayed focused on supporting our clients and execut...