A major multi-year investment program focused on expanding and optimizing Truist's physical and digital footprint in high-growth markets (including Atlanta, Austin, Charlotte, Dallas, Miami, Orlando, Philadelphia, and Washington, D.C.).

Expected impact: Building 100 new insights-driven branches, renovating over 300 existing branches, hiring additional Premier advisors, and enhancing digital capabilities to attract and deepen relationships with mass affluent clients.

A deliberate strategic pivot to optimize the loan portfolio by reducing less profitable consumer lending and focusing on high-quality, relationship-driven commercial loans.

Expected impact: Discontinuing marine/RV originations and significantly reducing prime/non-prime auto lending, which is expected to reduce certain 2026 loan production by approximately 40% compared to 2025, but ultimately improve long-term ROTCE and capital efficiency.

Accelerating the development and filing of patents with artificial intelligence and machine learning components to drive operational productivity and client experience.

Expected impact: Nearly half (48%) of Truist's patent applications now include an AI or machine learning component, powering digital tools like Truist Assist and Truist Insights to deliver personalized, real-time financial advice.