Company: TFC
Filing Date: 2025-02-25
Form Type: 10-K
Source: 0000092230-25-000020
Chunk: 392

Company: TRUIST FINANCIAL CORP
Filing Date: 2025-02-25
Form: 10-K
Item: Item 7A
Chunk 392
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ist Financial Corporation   115

NOTE 5. Loans and ACL

The following tables present loans and leases HFI by aging category. Government guaranteed loans are not placed on nonperforming status regardless of delinquency because collection of principal and interest is reasonably assured.AccruingDecember 31, 2024(Dollars in millions)Current30-89 Days Past Due90 Days Or More Past Due(1)NonperformingTotalCommercial:     Commercial and industrial$154,140 $168 $19 $521 $154,848 CRE20,004 60 1 298 20,363 Commercial construction8,514 3 — 3 8,520 Consumer:Residential mortgage54,233 719 481 166 55,599 Home equity9,457 60 9 116 9,642 Indirect auto22,208 622 — 259 23,089 Other consumer29,070 236 23 66 29,395 Credit card4,792 81 54 — 4,927 Total$302,418 $1,949 $587 $1,429 $306,383 (1)Includes government guaranteed loans of $430 million in the residential mortgage portfolio.AccruingDecember 31, 2023(Dollars in millions)Current30-89 Days Past Due90 Days Or More Past Due(1)NonperformingTotalCommercial:     Commercial and industrial$160,081 $230 $7 $470 $160,788 CRE22,281 5 — 284 22,570 Commercial construction6,658 — 1 24 6,683 Consumer:    Residential mortgage54,261 639 439 153 55,492 Home equity9,850 70 11 122 10,053 Indirect auto21,788 669 2 268 22,727 Other consumer28,296 271 21 59 28,647 Credit card4,961 87 53 — 5,101 Total$308,176 $1,971 $534 $1,380 $312,061 (1)Includes government guaranteed loans of $418 million in the residential mortgage portfolio.

116   Truist Financial Corporation

The following tables present the amortized cost basis of loans by origination