Company: TFC
Filing Date: 2025-07-31
Form Type: 10-Q
Source: 0000092230-25-000123
Chunk: 11

Company: TRUIST FINANCIAL CORP
Filing Date: 2025-07-31
Form: 10-Q
Item: Item 3
Chunk 11
---
.

The Parent Company’s capital ratios are presented in the following table:

Table 24: Capital Ratios - Truist Financial Corporation(Dollars in millions)Jun 30, 2025Dec 31, 2024Risk-based:(preliminary) CET111.0 %11.5 %Tier 1 capital12.3 12.9 Total capital14.3 15.0 Leverage ratio10.2 10.5 Supplementary leverage ratio8.5 8.8 Risk-weighted assets$434,892 $418,337 

Capital Contingency Plan

In the event of a realized or potential capital shortfall, Truist has a capital contingency plan that is designed to facilitate improvement of the Company’s capital position through the execution of specific contingency actions which either increase capital, decrease risk-weighted assets, or both. The plan provides a framework designed to monitor for the occurrence of these events by establishing mechanisms to detect capital contraction, including market and economic stress that could adversely impact the Company’s capital position. The plan also establishes governance protocols for activation or deactivation and decision making, lists capital contingency options and associated key information, and addresses the responsibilities of key departments.

Capital ratios remained strong compared to the regulatory requirements for well capitalized banks. Truist’s CET1 ratio was 11.0% as of June 30, 2025, down 30 basis points compared to March 31, 2025 due to capital returned to shareholders and an increase in risk-weighted assets, partially offset by current quarter earnings.

Truist declared common dividends of $0.52 per share during the second quarter of 2025 and repurchased $750 million of common stock. For the second quarter of 2025, the dividend payout ratio was 57%, and the total payout ratio was 121%.

74   Truist Financial Corporation

Truist completed the 2025 CCAR process and received a preliminary SCB requirement of 2.5% for the period October 1, 2025 to September 30, 2026, down 30 basis points from the SCB requirement for the period October 1, 2024 to September 30, 2025. The FRB will provide Truist with its final SCB requirement by August 31, 2025.

Share Repurchase Activity

Table 25: Share Repurchase Activity(Dollars in millions, except per share data,