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/SECOND AND FINAL ADD -- CLTH057 -- SunTrust Banks, Inc. Earnings/ PRELIMINARY DATA Retail Line of Business (Dollars in thousands) (Unaudited) Three Months Ended September 30 September 30 % 2007 2006 Change (3)

PRNewswire
Oct 18, 2007

  Statement of Income

    Net interest income                   $571,995       $582,523     (1.8)%
    FTE adjustment                              33             33        -
    Net interest income - FTE              572,028        582,556     (1.8)
    Provision for loan losses(1)            71,777         26,452       NM
    Net interest income after provision
     for loan losses - FTE                 500,251        556,104    (10.0)

    Noninterest income before
     securities gains/(losses)             284,821        269,632      5.6
    Securities gains/(losses), net               -              -        -
      Total noninterest income             284,821        269,632      5.6

    Noninterest expense before
     amortization of intangible assets     528,274        520,453      1.5
    Amortization of intangible assets       17,192         21,023    (18.2)
      Total noninterest expense            545,466        541,476      0.7

    Income before provision for income
     taxes                                 239,606        284,260    (15.7)
    Provision for income taxes              86,572        103,345    (16.2)
    FTE adjustment                              33             33        -
    Net income                            $153,001       $180,882    (15.4)

    Total revenue - FTE                   $856,849       $852,188      0.5

  Average Balance Sheet

    Total loans                        $32,065,833    $30,834,646      4.0 %
    Goodwill                             4,897,026      4,900,363     (0.1)
    Other intangible assets excluding
     MSRs                                  194,011        269,763    (28.1)
    Total assets                        38,069,298     37,218,400      2.3
    Total deposits                      67,401,579     69,659,995     (3.2)

  Shareholders' equity is not
   allocated at this time (2)

  Performance Ratios

    Efficiency ratio                         63.66 %        63.54 %
    Impact of excluding cost of
     intangible assets                       (5.82)         (6.26)
    Tangible efficiency ratio                57.84 %        57.28 %


                                                 Nine Months Ended
                                     September 30   September 30      %
                                         2007           2006      Change (3)

  Statement of Income

    Net interest income                 $1,732,626     $1,753,762     (1.2)%
    FTE adjustment                             104             75     38.7
    Net interest income - FTE            1,732,730      1,753,837     (1.2)
    Provision for loan losses(1)           165,383         65,041       NM
    Net interest income after provision
     for loan losses - FTE               1,567,347      1,688,796     (7.2)

    Noninterest income before
     securities gains/(losses)             811,452        792,896      2.3
    Securities gains/(losses), net               3              -    100.0
      Total noninterest income             811,455        792,896      2.3

    Noninterest expense before
     amortization of intangible assets   1,579,210      1,568,572      0.7
    Amortization of intangible assets       53,209         64,631    (17.7)
      Total noninterest expense          1,632,419      1,633,203        -

    Income before provision for income
     taxes                                 746,383        848,489    (12.0)
    Provision for income taxes             270,720        309,361    (12.5)
    FTE adjustment                             104             75     38.7
    Net income                            $475,559       $539,053    (11.8)

    Total revenue - FTE                 $2,544,185     $2,546,733     (0.1)

  Average Balance Sheet

    Total loans                        $31,631,670    $30,840,312      2.6 %
    Goodwill                             4,895,711      4,890,150      0.1
    Other intangible assets excluding
     MSRs                                  212,006        291,282    (27.2)
    Total assets                        37,831,104     37,870,529     (0.1)
    Total deposits                      68,471,359     68,814,272     (0.5)

  Shareholders' equity is not
    allocated at this time(2)

  Performance Ratios

    Efficiency ratio                         64.16 %        64.13 %
    Impact of excluding cost of
     intangible assets                       (5.91)         (6.35)
    Tangible efficiency ratio                58.25 %        57.78 %


  (1) Provision for loan losses represents net charge-offs for the lines of
      business.
  (2) Shareholders' equity is not allocated to the lines of business at this
      time; business line performance does not include the funding  benefit
      that would result from holding shareholders' equity at the  line of
      business level.
  (3) "NM" - Not meaningful.  Those changes over 100 percent were not
      considered to be meaningful.



                                                            PRELIMINARY DATA
  Commercial Line of Business
  (Dollars in thousands)
  (Unaudited)                                     Three Months Ended
                                      September 30   September 30      %
                                          2007           2006       Change

  Statement of Income

    Net interest income                   $218,273       $231,287     (5.6)%
    FTE adjustment                           9,319         10,437    (10.7)
    Net interest income - FTE              227,592        241,724     (5.8)
    Provision for loan losses(1)             2,959          1,649     79.4
    Net interest income after provision
     for loan losses - FTE                 224,633        240,075     (6.4)

    Noninterest income before
     securities gains/(losses)              74,819         70,331      6.4
    Securities gains/(losses), net               -              -        -
      Total noninterest income              74,819         70,331      6.4

    Noninterest expense before
     amortization of intangible assets     165,542        164,761      0.5
    Amortization of intangible assets            -              -        -
      Total noninterest expense            165,542        164,761      0.5

    Income before provision for income
     taxes                                 133,910        145,645     (8.1)
    Provision for income taxes              19,558         26,098    (25.1)
    FTE adjustment                           9,319         10,437    (10.7)
    Net income                            $105,033       $109,110     (3.7)

    Total revenue - FTE                   $302,411       $312,055     (3.1)

  Average Balance Sheet

    Total loans                        $33,016,609    $32,985,857      0.1 %
    Goodwill                             1,262,724      1,264,845     (0.2)
    Other intangible assets excluding
     MSRs                                        -              -        -
    Total assets                        35,462,037     35,485,345     (0.1)
    Total deposits                      14,031,723     13,601,082      3.2

  Shareholders' equity is not
   allocated at this time(2)

  Performance Ratios

    Efficiency ratio                         54.74 %        52.80 %
    Impact of excluding cost of
     intangible assets                       (2.42)         (2.24)
    Tangible efficiency ratio                52.32 %        50.56 %


                                                Nine Months Ended
                                       September 30   September 30     %
                                           2007           2006       Change

  Statement of Income

    Net interest income                   $657,704       $688,062     (4.4)%
    FTE adjustment                          28,205         30,372     (7.1)
    Net interest income - FTE              685,909        718,434     (4.5)
    Provision for loan losses(1)            13,681          7,208     89.8
    Net interest income after provision
     for loan losses - FTE                 672,228        711,226     (5.5)

    Noninterest income before
     securities gains/(losses)             219,634        211,803      3.7
    Securities gains/(losses), net               -              -        -
      Total noninterest income             219,634        211,803      3.7

    Noninterest expense before
     amortization of intangible assets     500,424        503,799     (0.7)
    Amortization of intangible assets            -              -        -
      Total noninterest expense            500,424        503,799     (0.7)

    Income before provision for income
     taxes                                 391,438        419,230     (6.6)
    Provision for income taxes              59,377         70,179    (15.4)
    FTE adjustment                          28,205         30,372     (7.1)
    Net income                            $303,856       $318,679     (4.7)

    Total revenue - FTE                   $905,543       $930,237     (2.7)

  Average Balance Sheet

    Total loans                        $33,042,986    $32,477,973      1.7 %
    Goodwill                             1,262,361      1,263,698     (0.1)
    Other intangible assets excluding
     MSRs                                        -              -        -
    Total assets                        35,471,695     34,939,517      1.5
    Total deposits                      14,181,207     13,653,491      3.9

  Shareholders' equity is not
   allocated at this time(2)

  Performance Ratios

    Efficiency ratio                         55.26 %        54.16 %
    Impact of excluding cost of
     intangible assets                       (2.40)         (2.29)
    Tangible efficiency ratio                52.86 %        51.87 %


  (1) Provision for loan losses represents net charge-offs for the lines of
      business.
  (2) Shareholders' equity is not allocated to the lines of business at this
      time; business line performance does not include the funding benefit
      that would result from holding shareholders' equity at the line of
      business level.



                                                            PRELIMINARY DATA
  Corporate and Investment Banking Line of Business
  (Dollars in thousands)
  (Unaudited)                                    Three Months Ended
                                      September 30   September 30      %
                                          2007           2006     Change (3)

  Statement of Income

    Net interest income                   $40,509        $45,630     (11.2)%
    FTE adjustment                         13,000          8,071      61.1
    Net interest income - FTE              53,509         53,701      (0.4)
    Provision for loan losses(1)           13,582          5,784        NM
    Net interest income after
     provision for loan losses - FTE       39,927         47,917     (16.7)

    Noninterest income before
     securities gains/(losses)             47,305        142,249     (66.7)
    Securities gains/(losses), net              -           (360)   (100.0)
      Total noninterest income             47,305        141,889     (66.7)

    Noninterest expense before
     amortization of intangible assets    109,373        117,639      (7.0)
    Amortization of intangible assets         122            122         -
      Total noninterest expense           109,495        117,761      (7.0)

    Income before provision for income
     taxes                                (22,263)        72,045        NM
    Provision for income taxes            (21,079)        18,921        NM
    FTE adjustment                         13,000          8,071      61.1
    Net income                           ($14,184)       $45,053        NM

    Total revenue - FTE                  $100,814       $195,590     (48.5)

  Average Balance Sheet

    Total loans                       $15,959,121    $16,693,443      (4.4)%
    Goodwill                              147,463        147,595      (0.1)
    Other intangible assets excluding
     MSRs                                   1,047          1,525     (31.3)
    Total assets                       24,089,010     24,066,808       0.1
    Total deposits                      3,462,242      2,885,323      20.0

  Shareholders' equity is not
   allocated at this time(2)

  Performance Ratios

    Efficiency ratio                       108.61 %        60.21 %
    Impact of excluding cost of
     intangible assets                      (1.87)         (0.56)
    Tangible efficiency ratio              106.74 %        59.65 %


                                                Nine Months Ended
                                      September 30   September 30      %
                                          2007           2006     Change (3)

  Statement of Income

    Net interest income                  $131,165       $158,100     (17.0)%
    FTE adjustment                         33,946         22,178      53.1
    Net interest income - FTE             165,111        180,278      (8.4)
    Provision for loan losses(1)           30,445          4,954        NM
    Net interest income after
     provision for loan losses - FTE      134,666        175,324     (23.2)

    Noninterest income before
     securities gains/(losses)            391,780        457,631     (14.4)
    Securities gains/(losses), net            -             (360)   (100.0)
      Total noninterest income            391,780        457,271     (14.3)

    Noninterest expense before
     amortization of intangible assets    367,533        367,656         -
    Amortization of intangible assets         366            366         -
      Total noninterest expense           367,899        368,022         -

    Income before provision for income
     taxes                                158,547        264,573     (40.1)
    Provision for income taxes             25,613         76,789     (66.6)
    FTE adjustment                         33,946         22,178      53.1
    Net income                            $98,988       $165,606     (40.2)

    Total revenue - FTE                  $556,891       $637,549     (12.7)

  Average Balance Sheet

    Total loans                       $15,821,063    $16,362,105      (3.3)%
    Goodwill                              147,467        147,578      (0.1)
    Other intangible assets excluding
     MSRs                                   1,162          1,988     (41.5)
    Total assets                       23,926,305     23,701,276       0.9
    Total deposits                      3,016,481      3,185,002      (5.3)

  Shareholders' equity is not
   allocated at this time(2)

  Performance Ratios

    Efficiency ratio                        66.06 %        57.72 %
    Impact of excluding cost of
     intangible assets                      (0.63)         (0.49)
    Tangible efficiency ratio               65.43 %        57.23 %


  (1) Provision for loan losses represents net charge-offs for the lines of
      business.
  (2) Shareholders' equity is not allocated to the lines of business at this
      time; business line performance does not include the funding benefit
      that would result from holding shareholders' equity at the line of
      business level.
  (3) "NM" - Not meaningful.  Those changes over 100 percent were not
      considered to be meaningful.



                                                            PRELIMINARY DATA
  Mortgage Line of Business
  (Dollars in thousands)
  (Unaudited)                                     Three Months Ended
                                      September 30    September 30      %
                                          2007            2006    Change (3)

  Statement of Income

    Net interest income                  $131,593        $155,467    (15.4)%
    FTE adjustment                              -               -        -
    Net interest income - FTE             131,593         155,467    (15.4)
    Provision for loan losses(1)           11,733             735       NM
    Net interest income after
     provision for loan losses - FTE      119,860         154,732    (22.5)

    Noninterest income before
     securities gains/(losses)             89,946          98,169     (8.4)
    Securities gains/(losses), net              -               -        -
      Total noninterest income             89,946          98,169     (8.4)

    Noninterest expense before
     amortization of intangible assets    235,137         153,869     52.8
    Amortization of intangible assets         763             763        -
      Total noninterest expense           235,900         154,632     52.6

    Income before provision for
     income taxes                         (26,094)         98,269       NM
    Provision for income taxes            (14,105)         34,064       NM
    FTE adjustment                              -               -        -
    Net income                           ($11,989)        $64,205       NM

    Total revenue - FTE                  $221,539        $253,636    (12.7)

  Average Balance Sheet

    Total loans                       $30,084,217     $31,619,820     (4.9)%
    Goodwill                              276,611         275,705      0.3
    Other intangible assets excluding
     MSRs                                   2,810           5,800    (51.6)
    Total assets                       45,260,858      42,798,017      5.8
    Total deposits                      2,322,876       1,998,843     16.2

  Shareholders' equity is not
   allocated at this time(2)

  Performance Ratios

    Efficiency ratio                       106.48 %         60.97 %
    Impact of excluding cost of
     intangible assets                      (1.81)          (1.03)
    Tangible efficiency ratio              104.67 %         59.94 %

  Other Information

    Production Data
      Channel mix
        Retail                         $5,565,382      $6,045,632     (7.9)%
        Wholesale                       4,456,315       4,617,185     (3.5)
        Correspondent                   2,592,592       3,074,636    (15.7)
          Total production            $12,614,289     $13,737,453     (8.2)

      Channel mix - percent
        Retail                                 44 %            44 %
        Wholesale                              35              34
        Correspondent                          21              22
          Total production                    100 %           100 %

      Purchase and refinance mix
        Refinance                      $4,266,890      $4,737,623     (9.9)
        Purchase                        8,347,399       8,999,830     (7.2)
          Total production            $12,614,289     $13,737,453     (8.2)

      Purchase and refinance mix -
       percent
        Refinance                              34 %            34 %
        Purchase                               66              66
          Total production                    100 %           100 %

  Applications                        $21,347,294     $21,541,643     (0.9)

    Mortgage Servicing Data (End of
     Period)
    Total loans serviced             $149,862,311    $124,795,178     20.1 %
    Total loans serviced for others   110,457,690      83,079,809     33.0
    Net carrying value of MSRs            995,984         724,640     37.4
    Ratio of net carrying value of
     MSRs to total loans serviced
     for others                             0.902 %         0.872 %


                                                 Nine Months Ended
                                       September 30   September 30      %
                                           2007           2006    Change (3)

  Statement of Income

    Net interest income                   $397,757       $453,665    (12.3)%
    FTE adjustment                               -              -        -
    Net interest income - FTE              397,757        453,665    (12.3)
    Provision for loan losses(1)            34,993          5,735       NM
    Net interest income after provision
     for loan losses - FTE                 362,764        447,930    (19.0)

    Noninterest income before
     securities gains/(losses)             265,358        318,837    (16.8)
    Securities gains/(losses), net               -              -        -
      Total noninterest income             265,358        318,837    (16.8)

    Noninterest expense before
     amortization of intangible assets     583,113        451,146     29.3
    Amortization of intangible assets        2,290          2,290        -
      Total noninterest expense            585,403        453,436     29.1

    Income before provision for income
     taxes                                  42,719        313,331    (86.4)
    Provision for income taxes               5,079        109,513    (95.4)
    FTE adjustment                               -              -        -
    Net income                             $37,640       $203,818    (81.5)

    Total revenue - FTE                   $663,115       $772,502    (14.2)

  Average Balance Sheet

    Total loans                        $30,629,171    $30,863,051     (0.8)%
    Goodwill                               276,412        267,291      3.4
    Other intangible assets excluding
     MSRs                                    3,534          6,557    (46.1)
    Total assets                        45,801,796     41,165,135     11.3
    Total deposits                       2,166,451      1,764,025     22.8

  Shareholders' equity is not
   allocated at this time(2)

  Performance Ratios

    Efficiency ratio                         88.28 %        58.70 %
    Impact of excluding cost of
     intangible assets                       (1.54)         (0.96)
    Tangible efficiency ratio                86.74 %        57.74 %

  Other Information

    Production Data
      Channel mix
      Retail                           $18,252,569    $17,792,947      2.6 %
      Wholesale                         16,475,540     13,826,092     19.2
      Correspondent                     10,672,761      8,699,546     22.7
        Total production               $45,400,870    $40,318,585     12.6

    Channel mix - percent
      Retail                                    40 %           44 %
      Wholesale                                 36             34
      Correspondent                             24             22
        Total production                       100 %          100 %

    Purchase and refinance mix
      Refinance                        $19,554,615    $14,162,394     38.1
      Purchase                          25,846,255     26,156,191     (1.2)
        Total production               $45,400,870    $40,318,585     12.6

    Purchase and refinance mix -
     percent
      Refinance                                 43 %           35 %
      Purchase                                  57             65
        Total production                       100 %          100 %

      Applications                     $70,216,063    $63,908,537      9.9

  Mortgage Servicing Data (End of
   Period)
    Total loans serviced
    Total loans serviced for others
    Net carrying value of MSRs
    Ratio of net carrying value of MSRs
     to total loans serviced for others


  (1) Provision for loan losses represents net charge-offs for the lines of
      business.
  (2) Shareholders' equity is not allocated to the lines of business at this
      time; business line performance does not include the funding benefit
      that would result from holding shareholders' equity at the line of
      business level.
  (3) "NM" - Not meaningful.  Those changes over 100 percent were not
      considered to be meaningful.



                                                           PRELIMINARY DATA
  Wealth and Investment Management Line of Business
  (Dollars in thousands)
  (Unaudited)                                     Three Months Ended
                                      September 30    September 30     %
                                          2007            2006    Change (3)

  Statement of Income

    Net interest income                   $86,021         $93,211     (7.7)%
    FTE adjustment                             13              19    (31.6)
    Net interest income - FTE              86,034          93,230     (7.7)
    Provision for loan losses(1)            1,914             736       NM
    Net interest income after
     provision for loan losses - FTE       84,120          92,494     (9.1)

    Noninterest income before
     securities gains/(losses)            257,115         354,533    (27.5)
    Securities gains/(losses), net             (2)             (1)   100.0
      Total noninterest income            257,113         354,532    (27.5)

    Noninterest expense before
     amortization of intangible assets    238,697         247,056     (3.4)
    Amortization of intangible assets       6,521           3,662     78.1
      Total noninterest expense           245,218         250,718     (2.2)

    Income before provision for
     income taxes                          96,015         196,308    (51.1)
    Provision for income taxes             35,611          73,138    (51.3)
    FTE adjustment                             13              19    (31.6)
    Net income                            $60,391        $123,151    (51.0)

    Total revenue - FTE                  $343,147        $447,762    (23.4)

  Measures excluding net gain on
   sale of Bond Trustee business(4)

    Total noninterest income             $257,113        $354,532    (27.5)%
    Net gain on sale of Bond Trustee
     business                                   -        (112,759)   100.0
    Total noninterest income excluding
     gain on sale of Bond Trustee
     business                            $257,113        $241,773      6.3

    Total revenue - FTE                  $343,147        $447,762    (23.4)
    Net gain on sale of Bond Trustee
     business                                   -        (112,759)   100.0
    Total revenue - FTE excluding net
     gain on sale of Bond Trustee
     business                            $343,147        $335,003      2.4

    Net income                            $60,391        $123,151    (51.0)
    Net gain on sale of Bond Trustee
     business, net of tax                       -         (69,911)   100.0
    Net income excluding net gain on
     sale of Bond Trustee business        $60,391         $53,240     13.4


  Average Balance Sheet

    Total loans                        $7,848,930      $8,128,016     (3.4)%
    Goodwill                              314,166         306,873      2.4
    Other intangible assets excluding
     MSRs                                 134,068         124,030      8.1
    Total assets                        8,768,176       8,945,958     (2.0)
    Total deposits                      9,608,257       9,534,090      0.8

  Shareholders' equity is not
   allocated at this time(2)

  Performance Ratios

    Efficiency ratio                        74.84 %         55.99 %
    Impact of excluding cost of
     intangible assets                      (3.08)          (1.39)
    Tangible efficiency ratio               71.76 %         54.60 %

  Other Information (End of Period)

    Assets under administration
      Managed (discretionary) assets $142,863,031    $138,572,125      3.1 %
      Non-managed assets               59,283,257      53,231,004     11.4
        Total assets under
         administration               202,146,288     191,803,129      5.4

    Brokerage assets                   42,365,873      36,662,400     15.6
    Corporate trust assets              8,508,088      10,013,555    (15.0)
    Total assets under advisement    $253,020,249    $238,479,084      6.1


                                                  Nine Months Ended
                                         September 30  September 30    %
                                             2007          2006   Change (3)

  Statement of Income

    Net interest income                    $262,690      $275,145     (4.5)%
    FTE adjustment                               41            53    (22.6)
    Net interest income - FTE               262,731       275,198     (4.5)
    Provision for loan losses(1)              5,925         1,679       NM
    Net interest income after provision
     for loan losses - FTE                  256,806       273,519     (6.1)

    Noninterest income before securities
     gains/(losses)                         790,633       843,986     (6.3)
    Securities gains/(losses), net                8           (53)      NM
      Total noninterest income              790,641       843,933     (6.3)

    Noninterest expense before
     amortization of intangible assets      743,074       742,978        -
    Amortization of intangible assets        16,737        10,968     52.6
      Total noninterest expense             759,811       753,946      0.8

    Income before provision for income
     taxes                                  287,636       363,506    (20.9)
    Provision for income taxes              106,105       135,425    (21.7)
    FTE adjustment                               41            53    (22.6)
    Net income                             $181,490      $228,028    (20.4)

    Total revenue - FTE                  $1,053,372    $1,119,131     (5.9)

  Measures excluding net gain on sale
   of Bond Trustee business(4)

    Total noninterest income               $790,641      $843,933     (6.3)%
    Net gain on sale of Bond Trustee
     business                                     -      (112,759)   100.0
    Total noninterest income excluding
     gain on sale of Bond Trustee
     business                              $790,641      $731,174      8.1

    Total revenue - FTE                  $1,053,372    $1,119,131     (5.9)
     Net gain on sale of Bond Trustee
     business                                     -      (112,759)   100.0
    Total revenue - FTE excluding net
     gain on sale of Bond Trustee
     business                            $1,053,372    $1,006,372      4.7

    Net income                             $181,490      $228,028    (20.4)
    Net gain on sale of Bond Trustee
     business, net of tax                         -       (69,911)   100.0
    Net income excluding net gain on sale
     of Bond Trustee business              $181,490      $158,117     14.8


  Average Balance Sheet

    Total loans                          $8,022,472    $8,113,524     (1.1)%
    Goodwill                                314,297       303,473      3.6
    Other intangible assets excluding
     MSRs                                   129,395       123,429      4.8
    Total assets                          8,923,698     8,898,351      0.3
    Total deposits                        9,753,449     9,285,272      5.0

  Shareholders' equity is not allocated
   at this time(2)

  Performance Ratios

    Efficiency ratio                          73.21 %       67.37 %
    Impact of excluding cost of
     intangible assets                        (2.60)        (1.79)
    Tangible efficiency ratio                 70.61 %       65.58 %

  Other Information (End of Period)

    Assets under administration
      Managed (discretionary) assets
      Non-managed assets
        Total assets under administration

    Brokerage assets
    Corporate trust assets
    Total assets under advisement


  (1) Provision for loan losses represents net charge-offs for the lines of
      business.
  (2) Shareholders' equity is not allocated to the lines of business at this
      time; business line performance does not include the funding benefit
      that would result from holding shareholders' equity at the line of
      business level.
  (3) "NM" - Not meaningful.  Those changes over 100 percent were not
      considered to be meaningful.
  (4) SunTrust presents total noninterest income, total revenue, and net
      income excluding the net gain on the sale of the Bond Trustee
      business. The Company believes total noninterest income, total
      revenue, and net income without the sale of the Bond Trustee business
      is more indicative of normalized operations.



                                                           PRELIMINARY DATA
  Corporate Other and Treasury
  (Dollars in thousands)
  (Unaudited)                                    Three Months Ended
                                         September 30  September 30    %
                                             2007          2006   Change (2)

  Statement of Income

    Net interest income                    $143,797       $43,274       NM %
    FTE adjustment                            4,690         3,908     20.0
    Net interest income - FTE               148,487        47,182       NM
    Provision for loan losses(1)             45,055        26,212     71.9
    Net interest income after provision
     for loan losses - FTE                  103,432        20,970       NM

    Noninterest income before securities
     gains/(losses)                          64,142        15,833       NM
    Securities gains/(losses), net              993       (91,455)      NM
      Total noninterest income               65,135       (75,622)      NM

    Noninterest expense before
     amortization of intangible assets      (10,598)      (24,071)   (56.0)
    Amortization of intangible assets           222           222        -
      Total noninterest expense             (10,376)      (23,849)   (56.5)

    Income before provision for income
     taxes                                  178,943       (30,803)      NM
    Provision for income taxes               46,342       (47,898)      NM
    FTE adjustment                            4,690         3,908     20.0
    Net income                             $127,911       $13,187       NM

    Total revenue - FTE                    $213,622      ($28,440)      NM

  Measures excluding securities
   gains/(losses), net(3)

    Total revenue - FTE                    $213,622      ($28,440)      NM%
    Securities (gains)/losses, net             (993)       91,455       NM
    Total revenue - FTE excluding net
     securities (gains)/losses             $212,629       $63,015       NM

    Net income                             $127,911       $13,187       NM
    Securities (gains)/losses, net of tax      (616)       56,702       NM
    Net income excluding net securities
     (gains)/losses                        $127,295       $69,889     82.1


  Average Balance Sheet

    Total loans                            $583,989      $480,197     21.6 %
    Securities available for sale        14,935,925    23,869,058    (37.4)
    Goodwill                                  6,372         6,853     (7.0)
    Other intangible assets excluding
     MSRs                                     4,756         5,623    (15.4)
    Total assets                         23,003,998    31,986,393    (28.1)
    Total deposits (mainly brokered and
     foreign)                            21,020,746    27,921,482    (24.7)


                                                  Nine Months Ended
                                         September 30 September 30    %
                                             2007         2006    Change (2)

  Statement of Income

    Net interest income                     $370,089     $170,442      NM %
    FTE adjustment                            13,140       11,411    15.2
    Net interest income - FTE                383,229      181,853      NM
    Provision for loan losses(1)              57,714       62,113    (7.1)
    Net interest income after provision
     for loan losses - FTE                   325,515      119,740      NM

    Noninterest income before securities
     gains/(losses)                          136,387       46,507      NM
    Securities gains/(losses), net           237,412      (85,441)     NM
      Total noninterest income               373,799      (38,934)     NM

    Noninterest expense before
     amortization of intangible assets       (68,184)     (66,990)    1.8
    Amortization of intangible assets            664          667    (0.4)
      Total noninterest expense              (67,520)     (66,323)    1.8

    Income before provision for income
     taxes                                   766,834      147,129      NM
    Provision for income taxes               228,337      (20,214)     NM
    FTE adjustment                            13,140       11,411    15.2
    Net income                              $525,357     $155,932      NM

    Total revenue - FTE                     $757,028     $142,919      NM

  Measures excluding securities
   gains/(losses), net(3)

    Total revenue - FTE                     $757,028     $142,919      NM%
    Securities (gains)/losses, net          (237,412)      85,441      NM
    Total revenue - FTE excluding net
     securities (gains)/losses              $519,616     $228,360      NM

    Net income                              $525,357     $155,932      NM
    Securities (gains)/losses, net of tax   (147,195)      52,973      NM
    Net income excluding net securities
     (gains)/losses                         $378,162     $208,905    81.0


  Average Balance Sheet

    Total loans                             $591,545     $409,011    44.6 %
    Securities available for sale         18,370,420   24,706,818   (25.6)
    Goodwill                                   7,233        7,611    (5.0)
    Other intangible assets excluding
     MSRs                                      4,966        5,845   (15.0)
    Total assets                          26,739,032   33,056,867   (19.1)
    Total deposits (mainly brokered and
     foreign)                             23,807,830   26,622,523   (10.6)


                                              September 30   June 30
                                                 2007          2007
  Other Information

    Duration of investment portfolio             4.6 %         5.2 %

    Accounting net interest income
     interest rate sensitivity (4):
      % Change in net interest income under:
       Instantaneous 100 bp increase in
       rates over next 12 months                 0.6 %        (0.8)%
      Instantaneous 100 bp decrease in
       rates over next 12 months                (0.9)%         0.4 %

    Economic net interest income interest
     rate sensitivity (4):
      % Change in net interest income under:
       Instantaneous 100 bp increase in
       rates over next 12 months                (0.6)%         0.3 %
      Instantaneous 100 bp decrease in
       rates over next 12 months                 0.2 %        (0.7)%

  (1) Provision for loan losses represents difference between net charge-
      offs for the lines of business and consolidated provision for loan
      losses.
  (2) "NM" - Not meaningful.  Those changes over 100 percent were not
      considered to be meaningful.
  (3) SunTrust presents total revenue and net income excluding realized
      securities gains/losses.   The Company believes total revenue and net
      income without the securities gains/losses is more indicative of the
      Company's performance because it isolates income that is primarily
      customer relationship and customer transaction driven.
  (4) The recognition of interest rate sensitivity from an accounting
      perspective is different from the economic perspective due to the
      election of fair value accounting for the related interest rate swaps.
      The net interest income sensitivity profile from an economic
      perspective assumes the net interest payments from the related swaps
      were included in margin.



                                                            PRELIMINARY DATA
  Consolidated - Segment Totals
  (Dollars in thousands)
  (Unaudited)                                   Three Months Ended
                                    September 30    September 30      %
                                        2007            2006      Change (1)

  Statement of Income

    Net interest income                $1,192,188      $1,151,392      3.5 %
    FTE adjustment                         27,055          22,468     20.4
    Net interest income - FTE           1,219,243       1,173,860      3.9
    Provision for loan losses             147,020          61,568       NM
    Net interest income after
     provision for loan losses - FTE    1,072,223       1,112,292     (3.6)

    Noninterest income before
     securities gains/(losses)            818,148         950,747    (13.9)
    Securities gains/(losses), net            991         (91,816)      NM
      Total noninterest income            819,139         858,931     (4.6)

    Noninterest expense before
     amortization of intangible
     assets                             1,266,425       1,179,707      7.4
    Amortization of intangible assets      24,820          25,792     (3.8)
      Total noninterest expense         1,291,245       1,205,499      7.1

    Income before provision for
     income taxes                         600,117         765,724    (21.6)
    Provision for income taxes            152,898         207,668    (26.4)
    FTE adjustment                         27,055          22,468     20.4
    Net income                           $420,164        $535,588    (21.6)

    Total revenue - FTE                $2,038,382      $2,032,791      0.3

  Average Balance Sheet

    Total loans                      $119,558,699    $120,741,979     (1.0)%
    Goodwill                            6,904,362       6,902,234        -
    Other intangible assets excluding
     MSRs                                 336,692         406,741    (17.2)
    Total assets                      174,653,377     180,500,921     (3.2)
    Total deposits                    117,847,423     125,600,815     (6.2)


  Performance Ratios

    Efficiency ratio                        63.35 %         59.30 %
    Impact of excluding cost of
     intangible assets                      (1.22)          (1.27)
    Tangible efficiency ratio               62.13 %         58.03 %


                                                Nine Months Ended
                                    September 30     September 30      %
                                        2007             2006     Change (1)

  Statement of Income

    Net interest income                $3,552,031      $3,499,176      1.5 %
    FTE adjustment                         75,436          64,089     17.7
    Net interest income - FTE           3,627,467       3,563,265      1.8
    Provision for loan losses             308,141         146,730       NM
    Net interest income after
     provision for loan losses - FTE    3,319,326       3,416,535     (2.8)

    Noninterest income before
     securities gains/(losses)          2,615,244       2,671,660     (2.1)
    Securities gains/(losses), net        237,423         (85,854)      NM
      Total noninterest income          2,852,667       2,585,806     10.3

    Noninterest expense before
     amortization of intangible
     assets                             3,705,170       3,567,161      3.9
    Amortization of intangible assets      73,266          78,922     (7.2)
      Total noninterest expense         3,778,436       3,646,083      3.6

    Income before provision for
     income taxes                       2,393,557       2,356,258      1.6
    Provision for income taxes            695,230         681,052      2.1
    FTE adjustment                         75,436          64,089     17.7
    Net income                         $1,622,891      $1,611,117      0.7

    Total revenue - FTE                $6,480,134      $6,149,071      5.4

  Average Balance Sheet

    Total loans                      $119,738,907    $119,065,976      0.6 %
    Goodwill                            6,903,481       6,879,801      0.3
    Other intangible assets excluding
     MSRs                                 351,063         429,101    (18.2)
    Total assets                      178,693,630     179,631,675     (0.5)
    Total deposits                    121,396,777     123,324,585     (1.6)


  Performance Ratios

    Efficiency ratio                        58.31 %         59.29 %
    Impact of excluding cost of
     intangible assets                      (1.13)          (1.28)
    Tangible efficiency ratio               57.18 %         58.01 %

  (1) "NM" - Not meaningful.  Those changes over 100 percent were not
    considered to be meaningful.

PRNewswire-FirstCall -- Oct. 18
END SECOND AND FINAL ADD

SOURCE: SunTrust Banks, Inc.


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