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Sankey diagram of Truist Financial Corporation. A complete text table follows the diagram.
Loan spreads remain the engine, while investment banking, wealth and payments diversify what the balance sheet earns
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All flows are reported amounts and follow bank economics rather than a manufacturing gross-margin convention. Growth and balance-sheet callouts use filing tables: average loans rose to $329.0B, average deposits to $398.9B, deposit interest expense fell $211M, and investment-banking and trading income rose 36.3%.
Labels and narrative explain the filing. A category marked “arithmetic bridge” or “residual” is calculated from reported totals, rather than a separately reported line.
| Category | Stage | Value | Notes |
|---|---|---|---|
| Loans & leases | 1 | $4.6B | $329.0B average balances |
| Securities portfolio | 1 | $849M | $116.1B average balance |
| Other earning assets | 1 | $407M | Trading, cash and other assets |
| Gross interest income | 2 | $5.9B | Yield from the balance sheet |
| Net interest income | 3 | $3.6B | 3.02% taxable-equivalent NIM |
| Deposit & borrowing cost | 3 | $2.3B | $1,525M deposits + $731M debt |
| Wealth management | 3 | $370M | +7.6% |
| Investment banking & trading | 3 | $372M | +36.3% |
| Card & treasury management | 3 | $338M | Payments and corporate cash tools |
| Mortgage banking | 3 | $133M | +23.1% |
| Lending fees | 3 | $118M | +24.2% |
| Deposit revenue | 3 | $120M | Service and account fees |
| Other income | 3 | $102M | Remaining noninterest income |
| Total revenue | 4 | $5.2B | 70% spread | 30% fees |
| Pretax income | 5 | $1.7B | 32.8% of revenue |
| Provision for credit losses | 5 | $479M | 0.61% annualized net charge-offs |
| Operating expense | 5 | $3.0B | $1,727M personnel; $1,256M other |
| Net income | 6 | $1.5B | +17.4% |
| Income tax | 6 | $209M | 12.4% reported effective rate |
| Common shareholders | 7 | $1.4B | $1.09 diluted EPS |
| Preferred dividends & other | 7 | $104M | Priority capital distribution |
| From | To | Value |
|---|---|---|
| Loans & leases | Gross interest income | $4.6B |
| Securities portfolio | Gross interest income | $849M |
| Other earning assets | Gross interest income | $407M |
| Gross interest income | Net interest income | $3.6B |
| Gross interest income | Deposit & borrowing cost | $2.3B |
| Net interest income | Total revenue | $3.6B |
| Wealth management | Total revenue | $370M |
| Investment banking & trading | Total revenue | $372M |
| Card & treasury management | Total revenue | $338M |
| Mortgage banking | Total revenue | $133M |
| Lending fees | Total revenue | $118M |
| Deposit revenue | Total revenue | $120M |
| Other income | Total revenue | $102M |
| Total revenue | Pretax income | $1.7B |
| Total revenue | Provision for credit losses | $479M |
| Total revenue | Operating expense | $3.0B |
| Pretax income | Net income | $1.5B |
| Pretax income | Income tax | $209M |
| Net income | Common shareholders | $1.4B |
| Net income | Preferred dividends & other | $104M |