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/FIRST ADD -- CLTH032 -- SunTrust Banks, Inc./

PRNewswire
Oct 23, 2008

  SunTrust Banks, Inc. and Subsidiaries
  FINANCIAL HIGHLIGHTS
  (Dollars in millions, except per share data) (Unaudited)

                                                   Three Months Ended
                                               September 30            %
                                             2008        2007       Change

  EARNINGS & DIVIDENDS
  Net income                                $312.4      $420.2      (25.7)%
  Net income available to common
   shareholders                              307.3       412.6      (25.5)
  Total revenue - FTE (2)                  2,460.9     2,038.4       20.7
  Total revenue - FTE excluding
   securities (gains)/losses, net (1)      2,287.9     2,037.5       12.3
  Net income per average common share
     Diluted                                  0.88        1.18      (25.4)
     Basic                                    0.88        1.19      (26.1)
  Dividends paid per average common share     0.77        0.73        5.5

  CONDENSED BALANCE SHEETS
  Selected Average Balances
  Total assets                            $173,888    $174,653       (0.4)%
  Earning assets                           152,320     152,328          -
  Loans                                    125,642     119,559        5.1
  Consumer and commercial deposits         100,200      96,708        3.6
  Brokered and foreign deposits             15,800      21,140      (25.3)
  Total shareholders' equity                17,982      17,550        2.5

  As of
  Total assets                             174,777     175,857       (0.6)
  Earning assets                           152,904     151,229        1.1
  Loans                                    126,718     120,748        4.9
  Allowance for loan and lease losses        1,941       1,094       77.4
  Consumer and commercial deposits         101,829      98,834        3.0
  Brokered and foreign deposits             14,083      17,026      (17.3)
  Total shareholders' equity                17,956      17,907        0.3

  FINANCIAL RATIOS & OTHER DATA
  Return on average total assets              0.71%       0.95%     (25.3)%
  Return on average assets less net
   unrealized securities gains (1)            0.45        0.93      (51.6)
  Return on average common shareholders'
   equity                                     6.99        9.60      (27.2)
  Return on average realized common
   shareholders' equity (1)                   4.55        9.86      (53.9)
  Net interest margin (2)                     3.07        3.18       (3.5)
  Efficiency ratio (2)                       67.78       63.35        7.0
  Tangible efficiency ratio (1)              67.03       62.13        7.9
  Effective tax rate                        (20.32)      26.68         NM
  Tier 1 capital ratio                        8.15 (3)    7.44        9.5
  Total capital ratio                        11.15 (3)   10.72        4.0
  Tier 1 leverage ratio                       7.95 (3)    7.28        9.2
  Total average shareholders' equity to
   total average assets                      10.34       10.05        2.9
  Tangible equity to tangible assets (1)      6.40        6.36        0.6

  Full-time equivalent employees            29,447      32,903      (10.5)
  Number of ATMs                             2,506       2,518       (0.5)
  Full service banking offices               1,692       1,683        0.5
     Traditional                             1,370       1,339        2.3
     In-store                                  322         344       (6.4)

  Book value per common share               $49.32      $50.01       (1.4)
  Market price:
     High                                    64.00       90.47      (29.3)
     Low                                     25.60       73.61      (65.2)
     Close                                   44.99       75.67      (40.5)
  Market capitalization                     15,925      26,339      (39.5)

  Average common shares outstanding
  (000s)
     Diluted                               350,970     349,592        0.4
     Basic                                 349,916     346,150        1.1



                                                 Nine Months Ended
                                              September 30            %
                                            2008        2007        Change

  EARNINGS & DIVIDENDS
  Net income                              $1,143.4    $1,622.9      (29.5)%
  Net income available to common
   shareholders                            1,126.2     1,600.5      (29.6)
  Total revenue - FTE (2)                  7,284.2     6,480.1       12.4
  Total revenue - FTE excluding
   securities (gains)/losses, net (1)      6,622.0     6,242.6        6.1
  Net income per average common share
     Diluted                                  3.22        4.52      (28.8)
     Basic                                    3.23        4.57      (29.3)
  Dividends paid per average common share     2.31        2.19        5.5

  CONDENSED BALANCE SHEETS
  Selected Average Balances
  Total assets                            $175,446    $178,694       (1.8)%
  Earning assets                           152,601     156,439       (2.5)
  Loans                                    124,702     119,739        4.1
  Consumer and commercial deposits         101,029      97,471        3.7
  Brokered and foreign deposits             15,447      23,925      (35.4)
  Total shareholders' equity                18,045      17,732        1.8

  As of
  Total assets
  Earning assets
  Loans
  Allowance for loan and lease losses
  Consumer and commercial deposits
  Brokered and foreign deposits
  Total shareholders' equity

  FINANCIAL RATIOS & OTHER DATA
  Return on average total assets              0.87%       1.21%     (28.1)%
  Return on average assets less net
   unrealized securities gains (1)            0.53        1.09      (51.4)
  Return on average common shareholders'
   equity                                     8.57       12.42      (31.0)
  Return on average realized common
   shareholders' equity (1)                   5.56       11.70      (52.5)
  Net interest margin (2)                     3.09        3.10       (0.3)
  Efficiency ratio (2)                       59.06       58.31        1.3
  Tangible efficiency ratio (1)              57.63       57.18        0.8
  Effective tax rate                         17.45       29.99      (41.8)
  Tier 1 capital ratio
  Total capital ratio
  Tier 1 leverage ratio
  Total average shareholders' equity to
   total average assets                      10.29        9.92        3.6
  Tangible equity to tangible assets (1)

  Full-time equivalent employees
  Number of ATMs
  Full service banking offices
     Traditional
     In-store

  Book value per common share
  Market price:
     High                                    70.00       94.18      (25.7)
     Low                                     25.60       73.61      (65.2)
     Close                                   44.99       75.67      (40.5)
  Market capitalization

  Average common shares outstanding
   (000s)
     Diluted                               349,613     354,244       (1.3)
     Basic                                 348,409     350,501       (0.6)


  (1) See Appendix A and Appendix B for reconcilements of non-GAAP
      performance measures.
  (2) Total revenue, net interest margin, and efficiency ratios are
      presented on a fully taxable-equivalent ("FTE") basis. The FTE basis
      adjusts for the tax-favored status of net interest income from certain
      loans and investments. The Company believes this measure to be the
      preferred industry measurement of net interest income and it enhances
      comparability of net interest income arising from taxable and
      tax-exempt sources. Total revenue - FTE equals net interest income on
      a FTE basis plus noninterest income.
  (3) Current period tier 1 capital, total capital and tier 1 leverage
      ratios are estimated as of the earnings release date.



  SunTrust Banks, Inc. and Subsidiaries
  FIVE QUARTER FINANCIAL HIGHLIGHTS
  (Dollars in millions, except per share data) (Unaudited)

                                          Three Months Ended
                           Sept. 30   June 30   March 31   Dec. 31  Sept. 30
                              2008      2008      2008      2007      2007
  EARNINGS & DIVIDENDS
  Net income                 $312.4    $540.4    $290.6     $11.1    $420.2
  Net income available to
   common shareholders        307.3     535.3     283.6       3.3     412.6
  Total revenue - FTE (2)   2,460.9   2,598.0   2,225.3   1,770.8   2,038.4
  Total revenue - FTE
   excluding securities
   (gains)/losses, net (1)  2,287.9   2,048.2   2,285.9   1,765.1   2,037.4
  Net income per average
   common share
     Diluted                   0.88      1.53      0.81      0.01      1.18
     Basic                     0.88      1.53      0.82      0.01      1.19
  Dividends paid per
   average common share        0.77      0.77      0.77      0.73      0.73


  CONDENSED BALANCE SHEETS
  Selected Average Balances
  Total assets             $173,888  $175,549  $176,917  $175,130  $174,653
  Earning assets            152,320   152,483   153,004   151,541   152,328
  Loans                     125,642   125,192   123,263   121,094   119,559
  Consumer and commercial
   deposits                 100,200   101,727   101,168    99,649    96,708
  Brokered and foreign
   deposits                  15,800    15,068    15,469    15,717    21,140
  Total shareholders'
   equity                    17,982    18,093    18,062    18,033    17,550

  As of
  Total assets              174,777   177,233   178,987   179,574   175,857
  Earning assets            152,904   154,716   152,715   154,397   151,229
  Loans                     126,718   125,825   123,713   122,319   120,748
  Allowance for loan and
   lease losses               1,941     1,829     1,545     1,283     1,094
  Consumer and commercial
   deposits                 101,829   102,434   103,432   101,870    98,834
  Brokered and foreign
   deposits                  14,083    17,146    12,747    15,973    17,026
  Total shareholders'
   equity                    17,956    17,907    18,431    18,053    17,907


  FINANCIAL RATIOS & OTHER
   DATA
  Return on average total
   assets                      0.71%     1.24%     0.66%     0.03%     0.95%
  Return on average assets
   less net unrealized
  securities gains (1)         0.45      0.42      0.72     (0.01)     0.93
  Return on average common
   shareholders' equity        6.99     12.24      6.49      0.07      9.60
  Return on average
   realized common
   shareholders' equity (1)    4.55      4.36      7.69     (0.33)     9.86
  Net interest margin (2)      3.07      3.13      3.07      3.13      3.18
  Efficiency ratio (2)        67.78     53.06     56.40     82.19     63.35
  Tangible efficiency
   ratio (1)                  67.03     50.57     55.47     80.86     62.13
  Effective tax rate         (20.32)    27.29     23.98   (116.22)    26.68
  Tier 1 capital ratio         8.15(3)   7.47      7.23      6.93      7.44
  Total capital ratio         11.15(3)  10.85     10.97     10.30     10.72
  Tier 1 leverage ratio        7.95(3)   7.54      7.22      6.90      7.28
  Total average
   shareholders' equity
   to total average assets    10.34     10.31     10.21     10.30     10.05
  Tangible equity to
   tangible assets (1)         6.40      6.27      6.56      6.31      6.36

  Full-time equivalent
   employees                 29,447    31,602    31,745    32,323    32,903
  Number of ATMs              2,506     2,506     2,509     2,507     2,518
  Full service banking
   offices                    1,692     1,699     1,678     1,682     1,683
     Traditional              1,370     1,374     1,343     1,343     1,339
     In-store                   322       325       335       339       344

  Book value per common
   share                     $49.32    $49.24    $51.26    $50.38    $50.01
  Market price:
     High                     64.00     60.80     70.00     78.76     90.47
     Low                      25.60     32.34     52.94     60.02     73.61
     Close                    44.99     36.22     55.14     62.49     75.67
  Market capitalization      15,925    12,805    19,290    21,772    26,339

  Average common shares
   outstanding (000s)
     Diluted                350,970   349,783   348,072   348,072   349,592
     Basic                  349,916   348,714   346,581   345,917   346,150

  (1) See Appendix A and Appendix B for reconcilements of non-GAAP
      performance measures.
  (2) Total revenue, net interest margin, and efficiency ratios are
      presented on a fully taxable-equivalent ("FTE") basis. The FTE basis
      adjusts for the tax- favored status of net interest income from
      certain loans and investments. The Company believes this measure to be
      the preferred industry measurement of net interest income and it
      enhances comparability of net interest income arising from taxable and
      tax-exempt sources. Total revenue - FTE equals net interest income on
      a FTE basis plus noninterest income.
  (3) Current period tier 1 capital, total capital and tier 1 leverage
      ratios are estimated as of the earnings release date.



  SunTrust Banks, Inc. and Subsidiaries
  CONSOLIDATED STATEMENTS OF INCOME
  (Dollars in thousands, except per share data) (Unaudited)

                                           Three Months Ended
                                     September 30     Increase/(Decrease)(2)
                                  2008        2007       Amount        %

  Interest income              $2,017,314  $2,515,292  ($497,978)   (19.8)%
  Interest expense                871,101   1,323,104   (452,003)   (34.2)
  NET INTEREST INCOME           1,146,213   1,192,188    (45,975)    (3.9)
  Provision for loan losses       503,672     147,020    356,652       NM
  NET INTEREST INCOME AFTER
   PROVISION FOR LOAN LOSSES      642,541   1,045,168   (402,627)   (38.5)

  NONINTEREST INCOME
  Service charges on deposit
   accounts                       240,241     213,939     26,302     12.3
  Trust and investment
   management income              147,477     175,242    (27,765)   (15.8)
  Retail investment services       72,791      71,064      1,727      2.4
  Other charges and fees          128,776     120,730      8,046      6.7
  Investment banking income        62,164      47,688     14,476     30.4
  Trading account profits/
   (losses) and commissions       121,136     (31,187)   152,323       NM
  Card fees                        78,138      70,450      7,688     10.9
  Mortgage production related
   income                          50,028      12,950     37,078       NM
  Mortgage servicing related
   income                          62,654      57,142      5,512      9.6
  Gain on sale of businesses       81,813           -     81,813       NM
  Gain on Visa IPO                      -           -          -        -
  Net gain on sale/leaseback
   of premises                          -           -          -        -
  Other noninterest income         66,958      80,130    (13,172)   (16.4)
  Securities gains/(losses),
   net                            173,046         991    172,055       NM
     Total noninterest income   1,285,222     819,139    466,083     56.9

  NONINTEREST EXPENSE
  Employee compensation and
   benefits                       696,210     677,765     18,445      2.7
  Net occupancy expense            88,745      87,626      1,119      1.3
  Outside processing and
   software                       132,361     105,132     27,229     25.9
  Equipment expense                51,931      51,532        399      0.8
  Marketing and customer
   development                    217,693      46,897    170,796       NM
  Amortization/impairment of
   intangible assets               18,551      24,820     (6,269)      NM
  Net loss on extinguishment
   of debt                              -       9,800     (9,800)  (100.0)
  Visa litigation                  20,000           -     20,000        -
  Operating losses                135,183      52,041     83,142       NM
  Other noninterest expense       307,412     235,632     71,780     30.5
     Total noninterest expense  1,668,086   1,291,245    376,841     29.2

  INCOME BEFORE PROVISION/
   (BENEFIT) FOR INCOME TAXES     259,677     573,062   (313,385)   (54.7)
  Provision/(Benefit) for
   income taxes                   (52,767)    152,898   (205,665)      NM
     Net income                   312,444     420,164   (107,720)   (25.6)
  Preferred dividends               5,111       7,526     (2,415)   (32.1)
  NET INCOME AVAILABLE TO
   COMMON SHAREHOLDERS           $307,333    $412,638  ($105,305)   (25.5)

  Net interest income
   - FTE (1)                   $1,175,679  $1,219,243   ($43,564)    (3.6)

  Net income per average
   common share
     Diluted                         0.88        1.18      (0.30)   (25.4)
     Basic                           0.88        1.19      (0.31)   (26.1)

  Cash dividends declared per
   common share                      0.77        0.73       0.04      5.5
  Average common shares
   outstanding (000s)
     Diluted                      350,970     349,592      1,378      0.4
     Basic                        349,916     346,150      3,766      1.1



                                            Nine Months Ended
                                  September 30       Increase/(Decrease)(2)
                                2008        2007        Amount        %

  Interest income            $6,342,011  $7,587,219  ($1,245,208)   (16.4) %
  Interest expense            2,899,215   4,035,188   (1,135,973)   (28.2)
  NET INTEREST INCOME         3,442,796   3,552,031     (109,235)    (3.1)
  Provision for loan losses   1,511,721     308,141    1,203,580       NM
  NET INTEREST INCOME AFTER
   PROVISION FOR LOAN LOSSES  1,931,075   3,243,890   (1,312,815)   (40.5)

  NONINTEREST INCOME
  Service charges on deposit
   accounts                     682,376     599,818       82,558     13.8
  Trust and investment
   management income            465,898     514,180      (48,282)    (9.4)
  Retail investment services    218,855     206,392       12,463      6.0
  Other charges and fees        385,588     357,225       28,363      7.9
  Investment banking income     178,571     159,844       18,727     11.7
  Trading account
   profits/(losses) and
   commissions                  100,048      75,451       24,597     32.6
  Card fees                     230,465     203,225       27,240     13.4
  Mortgage production
   related income               199,085      68,617      130,468       NM
  Mortgage servicing related
   income                       124,300     138,072      (13,772)   (10.0)
  Gain on sale of businesses    200,851      32,340      168,511       NM
  Gain on Visa IPO               86,305           -       86,305       NM
  Net gain on sale/leaseback
   of premises                   37,039           -       37,039       NM
  Other noninterest income      184,106     260,080      (75,974)   (29.2)
  Securities gains/(losses),
   net                          662,247     237,423      424,824       NM
     Total noninterest income 3,755,734   2,852,667      903,067     31.7

  NONINTEREST EXPENSE
  Employee compensation and
   benefits                   2,123,250   2,087,378       35,872      1.7
  Net occupancy expense         260,669     258,533        2,136      0.8
  Outside processing and
   software                     348,731     305,538       43,193     14.1
  Equipment expense             155,317     154,764          553      0.4
  Marketing and customer
   development                  320,599     135,928      184,671       NM
  Amortization/impairment of
   intangible assets            104,001      73,266       30,735     41.9
  Net loss on extinguishment
   of debt                       11,723       9,800        1,923     19.6
  Visa litigation               (19,124)          -      (19,124)      NM
  Operating losses              210,100      91,213      118,887       NM
  Other noninterest expense     786,497     662,016      124,481     18.8
     Total noninterest
      expense                 4,301,763   3,778,436      523,327     13.9

  INCOME BEFORE PROVISION/
   (BENEFIT) FOR INCOME TAXES 1,385,046   2,318,121     (933,075)   (40.3)
  Provision/(Benefit) for
   income taxes                 241,685     695,230     (453,545)   (65.2)
     Net income               1,143,361   1,622,891     (479,530)   (29.5)
  Preferred dividends            17,200      22,408       (5,208)   (23.2)
  NET INCOME AVAILABLE TO
   COMMON SHAREHOLDERS       $1,126,161  $1,600,483    ($474,322)   (29.6)

  Net interest income
   - FTE (1)                 $3,528,493  $3,627,467     ($98,974)    (2.7)

  Net income per average
   common share
    Diluted                        3.22        4.52        (1.30)   (28.8)
    Basic                          3.23        4.57        (1.34)   (29.3)

  Cash dividends declared
   per common share                2.31        2.19         0.12      5.5
  Average common shares
   outstanding (000s)
     Diluted                    349,613     354,244       (4,631)    (1.3)
     Basic                      348,409     350,501       (2,092)    (0.6)

  (1) Net interest income includes the effects of FTE adjustments using a
      federal tax rate of 35% and state income taxes where applicable to
      increase tax-exempt interest income to a taxable-equivalent basis.
  (2) "NM" - Not meaningful. Those changes over 100 percent were not
      considered to be meaningful.




  SunTrust Banks, Inc. and Subsidiaries
  FIVE QUARTER CONSOLIDATED STATEMENTS OF INCOME
  (Dollars in thousands, except per share data) (Unaudited)

                                      Three Months Ended
                      Sept. 30   June 30    March 31   Dec. 31    Sept. 30
                        2008       2008       2008       2007       2007

  Interest income    $2,017,314 $2,066,365 $2,258,332 $2,448,701 $2,515,292
  Interest expense      871,101    909,649  1,118,465  1,281,188  1,323,104
  NET INTEREST INCOME 1,146,213  1,156,716  1,139,867  1,167,513  1,192,188
  Provision for loan
   losses               503,672    448,027    560,022    356,781    147,020

  NET INTEREST INCOME
   AFTER PROVISION
   FOR LOAN LOSSES      642,541    708,689    579,845    810,732  1,045,168


  NONINTEREST INCOME
  Service charges on
   deposit accounts     240,241    230,296    211,839    222,213    213,939
  Trust and investment
   management income    147,477    157,319    161,102    170,854    175,242
  Retail investment
   services              72,791     73,764     72,300     71,650     71,064
  Other charges and
   fees                 128,776    129,581    127,231    121,849    120,730
  Investment banking
   income                62,164     60,987     55,420     55,041     47,688
  Trading account
   profits/(losses)
   and commissions      121,136    (49,306)    28,218   (437,162)   (31,187)
  Card fees              78,138     78,566     73,761     77,481     70,450
  Mortgage production
   related income        50,028     63,508     85,549     22,366     12,950
  Mortgage servicing
   related income        62,654     32,548     29,098     57,364     57,142
  Gain on sale of
   businesses            81,813     29,648     89,390          -          -
  Gain on Visa IPO            -          -     86,305          -          -
  Net gain on sale/
   leaseback of
   premises                   -          -     37,039    118,840          -
  Other noninterest
   income                66,958     56,312     60,836     89,827     80,130
  Securities gains/
   (losses), net        173,046    549,787    (60,586)     5,694        991
     Total
      noninterest
      income          1,285,222  1,413,010  1,057,502    576,017    819,139

  NONINTEREST EXPENSE
  Employee
   compensation and
   benefits             696,210    711,957    715,083    682,810    677,765
  Net occupancy
   expense               88,745     85,483     86,441     92,705     87,626
  Outside processing
   and software         132,361    107,205    109,165    105,407    105,132
  Equipment expense      51,931     50,991     52,395     51,734     51,532
  Marketing and
   customer
   development          217,693     47,203     55,703     59,115     46,897
  Amortization/
   impairment of
   intangible assets     18,551     64,735     20,715     23,414     24,820
  Net loss on
   extinguishment of
   debt                       -          -     11,723          -      9,800
  Visa litigation        20,000          -    (39,124)    76,930          -
  Operating losses      135,183     44,654     30,263     42,815     52,041
  Other noninterest
   expense              307,412    266,305    212,780    320,411    235,632
     Total
      noninterest
      expense         1,668,086  1,378,533  1,255,144  1,455,341  1,291,245

  INCOME/(LOSS) BEFORE
   PROVISION/(BENEFIT)
  FOR INCOME TAXES      259,677    743,166    382,203    (68,592)   573,062

  Provision/(Benefit)
   for income taxes     (52,767)   202,804     91,648    (79,716)   152,898

     Net income         312,444    540,362    290,555     11,124    420,164

  Preferred dividends     5,111      5,112      6,977      7,867      7,526

  NET INCOME AVAILABLE
   TO COMMON
   SHAREHOLDERS        $307,333   $535,250   $283,578     $3,257   $412,638


  Net interest
   income - FTE (1)  $1,175,679 $1,184,972 $1,167,842 $1,194,757 $1,219,243


  Net income per
   average common
   share
     Diluted               0.88       1.53       0.81       0.01       1.18

     Basic                 0.88       1.53       0.82       0.01       1.19


  Cash dividends
   declared per common
   share                   0.77       0.77       0.77       0.73       0.73

  Average common shares
   outstanding (000s)
     Diluted            350,970    349,783    348,072    348,072    349,592

     Basic              349,916    348,714    346,581    345,917    346,150


  (1) Net interest income includes the effects of FTE adjustments using a
      federal tax rate of 35% and state income taxes where applicable to
      increase tax-exempt interest income to a taxable-equivalent basis.




  SunTrust Banks, Inc. and Subsidiaries
  CONSOLIDATED BALANCE SHEETS
  (Dollars in thousands) (Unaudited)

                                 As of September 30   Increase/(Decrease)(3)
                                2008          2007        Amount       %
  ASSETS
  Cash and due from banks    $3,065,268    $4,162,456  ($1,097,188) (26.4)%
  Interest-bearing deposits
   in other banks                65,025        29,684       35,341     NM
  Funds sold and securities
   purchased under agreements
   to resell                  1,440,234       968,553      471,681   48.7
  Trading assets              8,936,540     9,566,806     (630,266)  (6.6)
  Securities available for
   sale (1)                  14,533,075    15,243,133     (710,058)  (4.7)
  Loans held for sale         4,759,761     8,675,427   (3,915,666) (45.1)
  Loans:
    Commercial               40,084,729    34,969,714    5,115,015   14.6
    Real estate:
      Home equity lines      16,159,053    14,598,774    1,560,279   10.7
      Construction           11,519,497    14,358,990   (2,839,493) (19.8)
      Residential mortgages  32,382,111    31,603,884      778,227    2.5
      Commercial real estate 13,841,995    12,487,309    1,354,686   10.8
    Consumer:
      Direct                  4,930,531     4,419,290      511,241   11.6
      Indirect                6,796,898     7,642,099     (845,201) (11.1)
    Credit card               1,003,581       668,353      335,228   50.2
        Total loans         126,718,395   120,748,413    5,969,982    4.9
  Allowance for loan and
   lease losses              (1,941,000)   (1,093,691)     847,309   77.5
     Net loans              124,777,395   119,654,722    5,122,673    4.3
  Goodwill                    7,062,869     6,912,110      150,759    2.2
  Other intangible assets     1,389,965     1,327,060       62,905    4.7
  Other real estate owned       387,037       156,106      230,931     NM
  Other assets                8,359,591     9,161,172     (801,581)  (8.7)
        Total assets (2)   $174,776,760  $175,857,229  ($1,080,469)  (0.6)

  LIABILITIES
  Noninterest-bearing
   consumer and commercial
   deposits                 $21,487,853   $20,857,240     $630,613    3.0%
  Interest-bearing
   consumer and commercial
   deposits:
    NOW accounts             20,313,035    20,319,435       (6,400)    -
    Money market accounts    27,654,355    24,011,524    3,642,831   15.2
    Savings                   3,568,831     4,376,155     (807,324) (18.4)
    Consumer time            16,566,225    17,037,866     (471,641)  (2.8)
    Other time               12,238,642    12,231,832        6,810    0.1
        Total consumer
         and commercial
         deposits           101,828,941    98,834,052    2,994,889    3.0
  Brokered deposits           9,141,001    14,188,886   (5,047,885) (35.6)
  Foreign deposits            4,941,939     2,836,775    2,105,164   74.2
        Total deposits      115,911,881   115,859,713       52,168     -
  Funds purchased             2,388,629     1,512,054      876,575   58.0
  Securities sold under
   agreements to repurchase   4,090,085     5,548,486   (1,458,401) (26.3)
  Other short-term
   borrowings                 2,728,307     2,971,761     (243,454)  (8.2)
  Long-term debt             23,857,828    22,661,381    1,196,447    5.3
  Trading liabilities         1,924,013     1,906,002       18,011    0.9
  Other liabilities           5,919,992     7,490,585   (1,570,593) (21.0)
        Total liabilities   156,820,735   157,949,982   (1,129,247)  (0.7)

  SHAREHOLDERS' EQUITY
  Preferred stock, no par
   value                        500,000       500,000            -     -
  Common stock, $1.00 par
   value                        372,799       370,578        2,221    0.6
  Additional paid in capital  6,783,976     6,709,002       74,974    1.1
  Retained earnings          10,959,830    10,897,059       62,771    0.6
  Treasury stock, at cost,
   and other                 (1,548,870)   (1,821,360)    (272,490) (15.0)
  Accumulated other
   comprehensive income,
   net of tax                   888,290     1,251,968     (363,678) (29.0)
        Total shareholders'
         equity              17,956,025    17,907,247       48,778    0.3

        Total liabilities
         and shareholders'
         equity            $174,776,760  $175,857,229  ($1,080,469)  (0.6)

        Common shares
         outstanding        353,962,785   348,073,971    5,888,814    1.7
        Common shares
         authorized         750,000,000   750,000,000            -     -
        Preferred shares
         outstanding              5,000         5,000            -     -
        Preferred shares
         authorized          50,000,000    50,000,000            -     -
        Treasury shares of
         common stock        18,836,584    22,504,427   (3,667,843) (16.3)
   -----------------------------
  (1) Includes net
       unrealized gains of   $1,519,449    $2,391,606    ($872,157) (36.5)%
  (2) Includes earning
       assets of            152,903,782   151,228,575    1,675,207    1.1

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





  SunTrust Banks, Inc. and Subsidiaries
  FIVE QUARTER CONSOLIDATED BALANCE SHEETS
  (Dollars in thousands) (Unaudited)

                                                   As of
                                   September 30      June 30    March 31
                                        2008         2008          2008

  ASSETS
  Cash and due from banks            $3,065,268    $3,564,824    $3,994,267
  Interest-bearing deposits in
   other banks                           65,025        22,566        21,283
  Funds sold and securities
   purchased under agreements to
   resell                             1,440,234     1,920,276     1,247,495
  Trading assets                      8,936,540    10,147,021    10,932,251
  Securities available for sale 1    14,533,075    15,118,073    15,882,088
  Loans held for sale                 4,759,761     5,260,892     6,977,289
  Loans:
    Commercial                       40,084,729    38,800,537    37,306,872
    Real estate:
      Home equity lines              16,159,053    15,726,998    15,134,297
      Construction                   11,519,497    12,542,775    12,980,917
      Residential mortgages          32,382,111    32,509,029    33,092,433
      Commercial real estate         13,841,995    13,693,933    12,893,708
    Consumer:
      Direct                          4,930,531     4,528,576     4,192,168
      Indirect                        6,796,898     7,077,510     7,305,213
    Credit card                       1,003,581       945,446       807,587
        Total loans                 126,718,395   125,824,804   123,713,195
  Allowance for loan and lease
   losses                            (1,941,000)   (1,829,400)   (1,545,340)
        Net loans                   124,777,395   123,995,404   122,167,855
  Goodwill                            7,062,869     7,056,015     6,923,033
  Other intangible assets             1,389,965     1,442,056     1,430,268
  Other real estate owned               387,037       334,519       244,906
  Other assets                        8,359,591     8,371,081     9,166,212
        Total assets(2)            $174,776,760  $177,232,727  $178,986,947

  LIABILITIES
  Noninterest-bearing consumer and
   commercial deposits              $21,487,853   $22,184,774   $22,325,750
  Interest-bearing consumer and
   commercial deposits:
      NOW accounts                   20,313,035    21,612,407    22,292,330
      Money market accounts          27,654,355    26,016,859    25,843,396
      Savings                         3,568,831     3,990,277     3,990,007
      Consumer time                  16,566,225    16,582,510    16,876,836
      Other time                     12,238,642    12,046,718    12,104,125
        Total consumer and
         commercial deposits        101,828,941   102,433,545   103,432,444
  Brokered deposits                   9,141,001    12,607,183    11,034,332
  Foreign deposits                    4,941,939     4,538,435     1,712,504
        Total deposits              115,911,881   119,579,163   116,179,280
  Funds purchased                     2,388,629     3,063,696     3,795,641
  Securities sold under agreements
   to repurchase                      4,090,085     5,156,986     5,446,204
  Other short-term borrowings         2,728,307     2,682,808     3,061,003
  Long-term debt                     23,857,828    21,327,576    23,602,919
  Trading liabilities                 1,924,013     2,430,521     2,356,037
  Other liabilities                   5,919,992     5,084,825     6,114,415
        Total liabilities           156,820,735   159,325,575   160,555,499

  SHAREHOLDERS' EQUITY
  Preferred stock, no par value         500,000       500,000       500,000
  Common stock, $1.00 par value         372,799       372,799       370,578
  Additional paid in capital          6,783,976     6,799,935     6,682,828
  Retained earnings                  10,959,830    10,924,650    10,661,250
  Treasury stock, at cost, and
   other                             (1,548,870)   (1,612,167)   (1,692,117)
  Accumulated other comprehensive
   income, net of tax                   888,290       921,935     1,908,909
        Total shareholders' equity   17,956,025    17,907,152    18,431,448

        Total liabilities and
         shareholders' equity      $174,776,760  $177,232,727  $178,986,947

        Common shares outstanding   353,962,785   353,542,105   349,832,264
        Common shares authorized    750,000,000   750,000,000   750,000,000
        Preferred shares
         outstanding                      5,000         5,000         5,000
       Preferred shares authorized   50,000,000    50,000,000    50,000,000
       Treasury shares of common
        stock                        18,836,584    19,257,264    20,746,134
   ----------------------
  (1) Includes net unrealized
       gains of                      $1,519,449    $1,655,504    $2,835,823
  (2) Includes earning assets of    152,903,782   154,716,384   152,714,700



                                                         As of
                                             December 31       September 30
                                                 2007              2007
  ASSETS
  Cash and due from banks                     $4,270,917        $4,162,456
  Interest-bearing deposits in other banks        24,355            29,684
  Funds sold and securities purchased
   under agreements to resell                  1,347,329           968,553
  Trading assets                              10,518,379         9,566,806
  Securities available for sale 1             16,264,107        15,243,133
  Loans held for sale                          8,851,695         8,675,427
  Loans:
    Commercial                                35,929,400        34,969,714
    Real estate:
      Home equity lines                       14,911,598        14,598,774
      Construction                            13,776,651        14,358,990
      Residential mortgages                   32,779,744        31,603,884
      Commercial real estate                  12,609,543        12,487,309
    Consumer:
      Direct                                   3,963,869         4,419,290
      Indirect                                 7,494,130         7,642,099
    Credit card                                  854,059           668,353
        Total loans                          122,318,994       120,748,413
  Allowance for loan and lease losses         (1,282,504)       (1,093,691)
        Net loans                            121,036,490       119,654,722
  Goodwill                                     6,921,493         6,912,110
  Other intangible assets                      1,362,995         1,327,060
  Other real estate owned                        183,753           156,106
  Other assets                                 8,792,420         9,161,172
        Total assets (2)                    $179,573,933      $175,857,229

  LIABILITIES
  Noninterest-bearing consumer and
   commercial deposits                       $21,083,234       $20,857,240
  Interest-bearing consumer and
   commercial deposits:
      NOW accounts                            22,558,374        20,319,435
      Money market accounts                   24,522,640        24,011,524
      Savings                                  3,917,099         4,376,155
      Consumer time                           17,264,208        17,037,866
      Other time                              12,524,470        12,231,832
          Total consumer and
           commercial deposits               101,870,025        98,834,052
  Brokered deposits                           11,715,024        14,188,886
  Foreign deposits                             4,257,601         2,836,775
        Total deposits                       117,842,650       115,859,713
  Funds purchased                              3,431,185         1,512,054
  Securities sold under agreements to
   repurchase                                  5,748,277         5,548,486
  Other short-term borrowings                  3,021,358         2,971,761
  Long-term debt                              22,956,508        22,661,381
  Trading liabilities                          2,160,385         1,906,002
  Other liabilities                            6,361,052         7,490,585
        Total liabilities                    161,521,415       157,949,982

  SHAREHOLDERS' EQUITY
  Preferred stock, no par value                  500,000           500,000
  Common stock, $1.00 par value                  370,578           370,578
  Additional paid in capital                   6,707,293         6,709,002
  Retained earnings                           10,646,640        10,897,059
  Treasury stock, at cost, and other          (1,779,142)       (1,821,360)
  Accumulated other comprehensive
   income, net of tax                          1,607,149         1,251,968
        Total shareholders' equity            18,052,518        17,907,247

        Total liabilities and
         shareholders' equity               $179,573,933      $175,857,229

        Common shares outstanding            348,411,163       348,073,971
        Common shares authorized             750,000,000       750,000,000
        Preferred shares outstanding               5,000             5,000
        Preferred shares authorized           50,000,000        50,000,000
        Treasury shares of common stock       22,167,235        22,504,427
   ----------------------
  (1) Includes net unrealized gains of        $2,724,643        $2,391,606
  (2) Includes earning assets of             154,397,231       151,228,575



  SunTrust Banks, Inc. and Subsidiaries
  CONSOLIDATED DAILY AVERAGE BALANCES,
  AVERAGE YIELDS EARNED AND RATES PAID
  (Dollars in millions; yields on taxable-equivalent basis) (Unaudited)

                                                  Three Months Ended
                                                  September 30, 2008
                                                          Interest
                                           Average        Income/   Yields/
                                           Balances       Expense   Rates
  ASSETS
  Loans:
    Real estate 1-4 family                 $31,486.5      $494.0    6.28 %
    Real estate construction                10,501.9       130.0    4.92
    Real estate home equity lines           15,424.4       193.0    4.98
    Real estate commercial                  14,138.6       193.4    5.44
    Commercial - FTE (1)                    38,064.4       508.5    5.32
    Credit card                                859.7         9.4    4.36
    Consumer - direct                        4,705.0        62.9    5.32
    Consumer - indirect                      7,152.3       114.0    6.34
    Nonaccrual and restructured              3,309.2         7.4    0.88
      Total loans                          125,642.0     1,712.6    5.42
  Securities available for sale:
    Taxable                                 11,944.2       174.4    5.84
    Tax-exempt - FTE (1)                     1,017.2        15.5    6.07
      Total securities available for
       sale - FTE (1)                       12,961.4       189.9    5.86
  Funds sold and securities purchased
   under agreements to resell                1,649.7         7.5    1.79
  Loans held for sale                        4,459.3        65.0    5.82
  Interest-bearing deposits                     28.0         0.2    2.81
  Interest earning trading assets            7,579.4        71.6    3.76
      Total earning assets                 152,319.8     2,046.8    5.35
  Allowance for loan and lease losses       (2,035.8)
  Cash and due from banks                    2,918.1
  Other assets                              17,120.7
  Noninterest earning trading assets         2,039.3
  Unrealized gains on securities
   available for sale, net                   1,526.4
      Total assets                        $173,888.5

  LIABILITIES AND SHAREHOLDERS' EQUITY
  Interest-bearing deposits:
    NOW accounts                           $20,501.5       $55.9    1.08%
    Money market accounts                   26,897.1       122.5    1.81
    Savings                                  3,770.9         3.8    0.40
    Consumer time                           16,282.1       144.2    3.52
    Other time                              11,868.3       106.8    3.58
      Total interest-bearing consumer
       and commercial deposits              79,319.9       433.2    2.17
    Brokered deposits                       10,693.5        90.8    3.32
    Foreign deposits                         5,106.3        21.9    1.68
      Total interest-bearing deposits       95,119.7       545.9    2.28
  Funds purchased                            2,658.5        12.3    1.80
  Securities sold under agreements to
   repurchase                                4,971.7        19.1    1.50
  Interest-bearing trading liabilities         994.5         8.8    3.53
  Other short-term borrowings                2,521.0        11.2    1.77
  Long-term debt                            22,419.4       273.8    4.86
      Total interest-bearing liabilities   128,684.8       871.1    2.69
  Noninterest-bearing deposits              20,879.9
  Other liabilities                          4,961.1
  Noninterest-bearing trading liabilities    1,380.8
  Shareholders' equity                      17,981.9
      Total liabilities and shareholders'
       equity                             $173,888.5

  Interest Rate Spread                                              2.66%

  Net Interest Income - FTE (1)                         $1,175.7

  Net Interest Margin (2)                                           3.07%



                                                 Three Months Ended
                                                   June 30, 2008
                                                          Interest
                                           Average        Income/   Yields/
                                           Balances       Expense   Rates
  ASSETS
  Loans:
    Real estate 1-4 family                 $32,113.4      $507.0    6.32%
    Real estate construction                11,471.9       149.5    5.24
    Real estate home equity lines           14,980.1       195.8    5.26
    Real estate commercial                  13,876.7       192.8    5.59
    Commercial - FTE (1)                    37,600.1       501.4    5.36
    Credit card                                816.0         5.4    2.62
    Consumer - direct                        4,382.4        63.4    5.82
    Consumer - indirect                      7,437.2       115.9    6.27
    Nonaccrual and restructured              2,514.1         7.5    1.20
      Total loans                          125,191.9     1,738.7    5.59
  Securities available for sale:
    Taxable                                 11,769.6       186.0    6.32
    Tax-exempt - FTE (1)                     1,057.5        16.0    6.05
      Total securities available for
       sale - FTE (1)                       12,827.1       202.0    6.30
  Funds sold and securities purchased
   under agreements to resell                1,331.1         6.7    2.00
  Loans held for sale                        5,148.5        72.5    5.63
  Interest-bearing deposits                     21.4         0.2    3.77
  Interest earning trading assets            7,963.0        74.5    3.76
      Total earning assets                 152,483.0     2,094.6    5.52
  Allowance for loan and lease losses       (1,828.7)
  Cash and due from banks                    3,070.1
  Other assets                              17,186.1
  Noninterest earning trading assets         2,342.4
  Unrealized gains on securities
   available for sale, net                   2,295.9
      Total assets                        $175,548.8

  LIABILITIES AND SHAREHOLDERS' EQUITY
  Interest-bearing deposits:
    NOW accounts                           $21,762.4       $62.5    1.15%
    Money market accounts                   26,031.8       116.7    1.80
    Savings                                  3,939.1         3.9    0.40
    Consumer time                           16,726.7       165.2    3.97
    Other time                              11,921.1       118.8    4.01
      Total interest-bearing consumer
       and commercial deposits              80,381.1       467.1    2.34
    Brokered deposits                       11,135.4        93.4    3.32
    Foreign deposits                         3,932.9        19.3    1.95
      Total interest-bearing deposits       95,449.4       579.8    2.44
  Funds purchased                            2,792.5        13.5    1.92
  Securities sold under agreements to
   repurchase                                5,388.4        21.8    1.60
  Interest-bearing trading liabilities         849.2         6.6    3.12
  Other short-term borrowings                2,650.6        13.1    1.99
  Long-term debt                            22,298.6       274.8    4.96
      Total interest-bearing liabilities   129,428.7       909.6    2.83
  Noninterest-bearing deposits              21,345.9
  Other liabilities                          5,162.4
  Noninterest-bearing trading liabilities    1,518.6
  Shareholders' equity                      18,093.2
      Total liabilities and shareholders'
       equity                             $175,548.8

  Interest Rate Spread                                              2.69%

  Net Interest Income - FTE (1)                         $1,185.0

  Net Interest Margin (2)                                           3.13%

  (1) The fully taxable-equivalent ("FTE") basis adjusts for the tax-favored
      status of net interest income from certain loans and investments. The
      Company believes this measure to be the preferred industry measurement
      of net interest income and it enhances comparability of net interest
      income arising from taxable and tax-exempt sources.
  (2) The net interest margin is calculated by dividing annualized net
      interest income - FTE by average total earning assets.



  SunTrust Banks, Inc. and Subsidiaries
  CONSOLIDATED DAILY AVERAGE BALANCES,
  AVERAGE YIELDS EARNED AND RATES PAID
  (Dollars in millions; yields on taxable-equivalent basis) (Unaudited)

                                               Three Months Ended
                                                  March 31, 2008
                                                          Interest
                                           Average        Income/   Yields/
                                           Balances       Expense   Rates
  ASSETS
  Loans:
    Real estate 1-4 family                 $32,440.0      $521.3    6.43%
    Real estate construction                12,450.2       189.8    6.13
    Real estate home equity lines           14,603.0       234.3    6.45
    Real estate commercial                  13,113.1       201.3    6.17
    Commercial - FTE (1)                    36,374.6       539.2    5.96
    Credit card                                774.4         2.9    1.52
    Consumer - direct                        4,063.4        62.5    6.19
    Consumer - indirect                      7,645.3       120.2    6.32
    Nonaccrual and restructured              1,799.0         5.4    1.21
      Total loans                          123,263.0     1,876.9    6.12
  Securities available for sale:
    Taxable                                 12,087.1       186.8    6.18
    Tax-exempt - FTE (1)                     1,071.4        16.5    6.13
      Total securities available for
       sale - FTE (1)                       13,158.5       203.3    6.18
  Funds sold and securities purchased
   under agreements to resell                1,326.9         8.9    2.67
  Loans held for sale                        6,865.7        99.0    5.77
  Interest-bearing deposits                     21.9         0.2    4.54
  Interest earning trading assets            8,367.6        98.0    4.71
      Total earning assets                 153,003.6     2,286.3    6.01
  Allowance for loan and lease losses       (1,393.1)
  Cash and due from banks                    3,166.5
  Other assets                              17,076.4
  Noninterest earning trading assets         2,609.5
  Unrealized gains on securities
   available for sale, net                   2,454.0
      Total assets                        $176,916.9

  LIABILITIES AND SHAREHOLDERS' EQUITY
  Interest-bearing deposits:
    NOW accounts                           $21,981.1      $101.9    1.87%
    Money market accounts                   25,342.7       154.7    2.46
    Savings                                  3,917.0         5.7    0.59
    Consumer time                           17,030.8       187.8    4.43
    Other time                              12,280.5       141.1    4.62
      Total interest-bearing consumer
       and commercial deposits              80,552.1       591.2    2.95
    Brokered deposits                       11,216.4       123.0    4.34
    Foreign deposits                         4,252.2        33.6    3.13
      Total interest-bearing deposits       96,020.7       747.8    3.13
  Funds purchased                            2,885.7        21.9    3.00
  Securities sold under agreements to
   repurchase                                5,889.4        35.1    2.36
  Interest-bearing trading liabilities         713.0         6.0    3.41
  Other short-term borrowings                2,887.6        22.8    3.17
  Long-term debt                            22,808.3       284.9    5.02
      Total interest-bearing liabilities   131,204.7     1,118.5    3.43
  Noninterest-bearing deposits              20,616.3
  Other liabilities                          5,347.4
  Noninterest-bearing trading liabilities    1,686.8
  Shareholders' equity                      18,061.7
      Total liabilities and shareholders'
       equity                             $176,916.9

  Interest Rate Spread                                              2.58%

  Net Interest Income - FTE (1)                         $1,167.8

  Net Interest Margin (2)                                           3.07%



                                                  Three Months Ended
                                                   December 31, 2007
                                                          Interest
                                           Average        Income/   Yields/
                                           Balances       Expense   Rates
  ASSETS
  Loans:
    Real estate 1-4 family                 $31,990.3      $517.4    6.47%
    Real estate construction                13,250.9       238.8    7.15
    Real estate home equity lines           14,394.8       268.1    7.39
    Real estate commercial                  12,891.6       221.2    6.81
    Commercial - FTE (1)                    34,879.3       564.9    6.43
    Credit card                                690.1         2.1    1.23
    Consumer - direct                        3,949.3        70.7    7.10
    Consumer - indirect                      7,877.3       125.7    6.33
    Nonaccrual and restructured              1,170.7         4.3    1.45
      Total loans                          121,094.3     2,013.2    6.60
  Securities available for sale:
    Taxable                                 11,814.6       182.9    6.19
    Tax-exempt - FTE (1)                     1,054.0        16.0    6.07
      Total securities available for
       sale - FTE (1)                       12,868.6       198.9    6.18
  Funds sold and securities purchased
   under agreements to resell                1,066.1        11.6    4.25
  Loans held for sale                        8,777.6       139.2    6.34
  Interest-bearing deposits                     18.2         0.3    6.22
  Interest earning trading assets            7,716.2       112.8    5.80
      Total earning assets                 151,541.0     2,476.0    6.48
  Allowance for loan and lease losses       (1,114.9)
  Cash and due from banks                    3,462.6
  Other assets                              17,172.3
  Noninterest earning trading assets         1,660.9
  Unrealized gains on securities
   available for sale, net                   2,408.6
      Total assets                        $175,130.5

  LIABILITIES AND SHAREHOLDERS' EQUITY
  Interest-bearing deposits:
    NOW accounts                           $20,737.2      $121.0    2.32%
    Money market accounts                   24,261.5       177.7    2.91
    Savings                                  4,177.7        11.1    1.05
    Consumer time                           17,170.7       197.2    4.56
    Other time                              12,353.3       151.5    4.87
      Total interest-bearing consumer
       and commercial deposits              78,700.4       658.5    3.32
    Brokered deposits                       12,771.1       168.2    5.15
    Foreign deposits                         2,945.9        32.6    4.33
      Total interest-bearing deposits       94,417.4       859.3    3.61
  Funds purchased                            2,151.4        24.1    4.38
  Securities sold under agreements to
   repurchase                                5,706.7        55.2    3.78
  Interest-bearing trading liabilities         504.2         3.5    2.75
  Other short-term borrowings                3,202.8        37.4    4.63
  Long-term debt                            22,808.1       301.7    5.25
      Total interest-bearing liabilities   128,790.6     1,281.2    3.95
  Noninterest-bearing deposits              20,948.1
  Other liabilities                          5,812.5
  Noninterest-bearing trading liabilities    1,546.5
  Shareholders' equity                      18,032.8
      Total liabilities and
       shareholders' equity               $175,130.5

  Interest Rate Spread                                              2.53%

  Net Interest Income - FTE (1)                         $1,194.8

  Net Interest Margin (2)                                           3.13%



                                                  Three Months Ended
                                                  September 30, 2007
                                                          Interest
                                           Average        Income/   Yields/
                                           Balances       Expense   Rates
  ASSETS
  Loans:
    Real estate 1-4 family                 $31,003.5      $498.5    6.43%
    Real estate construction                13,686.6       260.0    7.54
    Real estate home equity lines           14,133.1       279.5    7.85
    Real estate commercial                  12,759.3       225.3    7.01
    Commercial - FTE (1)                    34,247.9       562.6    6.52
    Credit card                                516.3         4.2    3.29
    Consumer - direct                        4,368.0        80.0    7.26
    Consumer - indirect                      7,966.4       124.6    6.21
    Nonaccrual and restructured                877.5         3.8    1.72
      Total loans                          119,558.6     2,038.5    6.76
  Securities available for sale:
    Taxable                                 11,546.2       179.7    6.23
    Tax-exempt - FTE (1)                     1,040.9        15.8    6.05
      Total securities available for
       sale - FTE (1)                       12,587.1       195.5    6.21
  Funds sold and securities purchased
   under agreements to resell                  872.5        11.1    4.99
  Loans held for sale                        9,748.0       155.6    6.39
  Interest-bearing deposits                     24.9         0.3    4.28
  Interest earning trading assets            9,536.5       141.2    5.88
      Total earning assets                 152,327.6     2,542.2    6.62
  Allowance for loan and lease losses       (1,059.1)
  Cash and due from banks                    3,417.2
  Other assets                              16,719.9
  Noninterest earning trading assets         1,155.9
  Unrealized gains on securities
   available for sale, net                   2,091.9
      Total assets                        $174,653.4

  LIABILITIES AND SHAREHOLDERS' EQUITY
  Interest-bearing deposits:
    NOW accounts                           $19,543.4      $117.9    2.39%
    Money market accounts                   22,560.3       160.0    2.81
    Savings                                  4,456.5        13.3    1.19
    Consumer time                           16,839.9       193.4    4.56
    Other time                              11,862.4       146.3    4.89
      Total interest-bearing consumer
       and commercial deposits              75,262.5       630.9    3.33
    Brokered deposits                       15,806.3       214.6    5.31
    Foreign deposits                         5,333.6        68.8    5.05
      Total interest-bearing deposits       96,402.4       914.3    3.76
  Funds purchased                            2,291.3        28.9    4.94
  Securities sold under agreements to
   repurchase                                5,732.2        64.7    4.42
  Interest-bearing trading liabilities         354.1         3.4    3.85
  Other short-term borrowings                2,730.1        33.6    4.89
  Long-term debt                            21,143.5       278.1    5.22
      Total interest-bearing liabilities   128,653.6     1,323.0    4.08
  Noninterest-bearing deposits              21,445.1
  Other liabilities                          5,633.7
  Noninterest-bearing trading liabilities    1,370.8
  Shareholders' equity                      17,550.2
      Total liabilities and shareholders'
       equity                             $174,653.4

  Interest Rate Spread                                              2.54%

  Net Interest Income - FTE (1)                         $1,219.2

  Net Interest Margin (2)                                           3.18%

  (1) The fully taxable-equivalent ("FTE") basis adjusts for the tax-favored
      status of net interest income from certain loans and investments. The
      Company believes this measure to be the preferred industry measurement
      of net interest income and it enhances comparability of net interest
      income arising from taxable and tax-exempt sources.
  (2) The net interest margin is calculated by dividing annualized net
      interest income - FTE by average total earning assets.



  SunTrust Banks, Inc. and Subsidiaries
  CONSOLIDATED DAILY AVERAGE BALANCES,
  AVERAGE YIELDS EARNED AND RATES PAID
  (Dollars in millions; yields on taxable-equivalent basis) (Unaudited)

                                                   Nine Months Ended
                                                   September 30, 2008
                                                          Interest
                                           Average        Income/   Yields/
                                           Balances       Expense   Rates
  ASSETS
  Loans:
    Real estate 1-4 family                 $32,011.4    $1,522.3    6.34%
    Real estate construction                11,471.1       469.2    5.46
    Real estate home equity lines           15,004.0       623.0    5.55
    Real estate commercial                  13,711.0       587.5    5.72
    Commercial - FTE (1)                    37,349.0     1,549.1    5.54
    Credit card                                816.9        17.7    2.88
    Consumer - direct                        4,384.8       188.9    5.75
    Consumer - indirect                      7,410.7       350.2    6.31
    Nonaccrual and restructured              2,543.5        20.3    1.07
      Total loans                          124,702.4     5,328.2    5.71
  Securities available for sale:
    Taxable                                 11,933.6       547.2    6.11
    Tax-exempt - FTE (1)                     1,048.6        47.9    6.09
      Total securities available for
       sale - FTE (1)                       12,982.2       595.1    6.11
  Funds sold and securities purchased
   under agreement to resell                 1,436.7        23.2    2.12
  Loans held for sale                        5,487.4       236.4    5.74
  Interest-bearing deposits                     23.8         0.7    3.63
  Interest earning trading assets            7,968.6       244.1    4.09
      Total earning assets                 152,601.1     6,427.7    5.63
  Allowance for loan and lease losses       (1,753.6)
  Cash and due from banks                    3,051.1
  Other assets                              17,127.7
  Noninterest earning trading assets         2,329.3
  Unrealized gains on securities
   available for sale, net                   2,090.1
      Total assets                        $175,445.7

  LIABILITIES AND SHAREHOLDERS' EQUITY
  Interest-bearing deposits:
    NOW accounts                           $21,411.7      $220.3    1.37%
    Money market accounts                   26,093.5       394.0    2.02
    Savings                                  3,875.3        13.4    0.46
    Consumer time                           16,678.4       497.2    3.98
    Other time                              12,022.7       366.6    4.07
      Total interest-bearing consumer
       and commercial deposits              80,081.6     1,491.5    2.49
    Brokered deposits                       11,013.9       307.2    3.66
    Foreign deposits                         4,432.9        74.8    2.22
      Total interest-bearing deposits       95,528.4     1,873.5    2.62
  Funds purchased                            2,778.4        47.6    2.25
  Securities sold under agreements to
   repurchase                                5,414.9        76.0    1.84
  Interest-bearing trading liabilities         852.8        21.5    3.36
  Other short-term borrowings                2,685.8        47.1    2.34
  Long-term debt                            22,508.5       833.5    4.95
      Total interest-bearing liabilities   129,768.8     2,899.2    2.98
  Noninterest-bearing deposits              20,947.1
  Other liabilities                          5,156.2
  Noninterest-bearing trading liabilities    1,528.2
  Shareholders' equity                      18,045.4
  Total liabilities and shareholders'
   equity                                 $175,445.7

  Interest Rate Spread                                              2.65%

  Net Interest Income - FTE (1)                         $3,528.5

  Net Interest Margin (2)                                             3.09%


                                                  Nine Months Ended
                                                  September 30, 2007
                                                          Interest
                                           Average        Income/   Yields/
                                           Balances       Expense   Rates
  ASSETS
  Loans:
    Real estate 1-4 family                 $31,937.7    $1,519.0    6.34%
    Real estate construction                13,610.0       772.1    7.59
    Real estate home equity lines           13,908.4       820.1    7.88
    Real estate commercial                  12,773.7       666.3    6.97
    Commercial - FTE (1)                    33,963.6     1,637.8    6.45
    Credit card                                430.4        15.6    4.83
    Consumer - direct                        4,312.5       234.2    7.26
    Consumer - indirect                      8,064.7       369.7    6.13
    Nonaccrual and restructured                737.9        13.1    2.37
      Total loans                          119,738.9     6,047.9    6.75
  Securities available for sale:
    Taxable                                  9,755.0       456.1    6.23
    Tax-exempt - FTE (1)                     1,040.3        46.2    5.92
      Total securities available for
       sale - FTE (1)                       10,795.3       502.3    6.20
  Funds sold and securities purchased
   under agreement to resell                   971.8        37.3    5.05
  Loans held for sale                       11,463.8       529.8    6.16
  Interest-bearing deposits                     25.9         1.0    5.25
  Interest earning trading assets           13,443.2       544.4    5.41
      Total earning assets                 156,438.9     7,662.7    6.55
  Allowance for loan and lease losses       (1,049.1)
  Cash and due from banks                    3,454.6
  Other assets                              16,541.5
  Noninterest earning trading assets         1,043.2
  Unrealized gains on securities
   available for sale, net                   2,264.5
      Total assets                        $178,693.6

  LIABILITIES AND SHAREHOLDERS' EQUITY
  Interest-bearing deposits:
    NOW accounts                           $19,808.7      $352.8    2.38%
    Money market accounts                   22,142.6       444.9    2.69
    Savings                                  4,753.9        44.4    1.25
    Consumer time                           16,864.0       567.0    4.49
    Other time                              11,979.3       434.8    4.85
      Total interest-bearing consumer
       and commercial deposits              75,548.5     1,843.9    3.26
    Brokered deposits                       17,211.1       692.9    5.31
    Foreign deposits                         6,714.3       264.6    5.20
      Total interest-bearing deposits       99,473.9     2,801.4    3.77
  Funds purchased                            3,641.9       142.4    5.15
  Securities sold under agreements to
   repurchase                                6,276.0       218.6    4.59
  Interest-bearing trading liabilities         405.3        12.1    3.99
  Other short-term borrowings                2,253.9        83.7    4.96
  Long-term debt                            19,980.0       777.0    5.20
      Total interest-bearing liabilities   132,031.0     4,035.2    4.09
  Noninterest-bearing deposits              21,922.9
  Other liabilities                          5,773.1
  Noninterest-bearing trading liabilities    1,234.3
  Shareholders' equity                      17,732.3
  Total liabilities and shareholders'
   equity                                 $178,693.6

  Interest Rate Spread                                              2.46%

  Net Interest Income - FTE (1)                         $3,627.5

  Net Interest Margin (2)                                           3.10%

  (1) The fully taxable-equivalent ("FTE") basis adjusts for the tax-favored
      status of net interest income from certain loans and investments. The
      Company believes this measure to be the preferred industry measurement
      of net interest income and it enhances comparability of net interest
      income arising from taxable and tax-exempt sources.
  (2) The net interest margin is calculated by dividing annualized net
      interest income - FTE by average total earning assets.





   SunTrust Banks, Inc. and Subsidiaries
   OTHER FINANCIAL DATA
   (Dollars in thousands) (Unaudited)

                                            Three Months Ended
                                     September 30       Increase/(Decrease)
                                  2008         2007       Amount     % (1)

  CREDIT DATA
  Allowance for loan and
   lease losses - beginning    $1,829,400   $1,050,362   $779,038     74.2%
   Provision for loan losses      503,672      147,020    356,652       NM
  Allowance associated with
   loans at fair value (2)              -            -          -        -
  Allowance from GB&T
   acquisition                          -            -          -        -
  Charge-offs
    Commercial                    (63,278)     (39,487)    23,791      60.3
    Real estate:
      Home equity lines          (119,162)     (29,075)    90,087        NM
      Construction                (51,719)      (2,477)    49,242        NM
      Residential mortgages      (133,510)     (19,853)   113,657        NM
      Commercial real estate         (400)        (789)      (389)    (49.3)
    Consumer:
      Direct                      (10,406)      (5,661)      4,745     83.8
      Indirect                    (41,249)     (28,944)     12,305     42.5
        Total charge-offs        (419,724)    (126,286)    293,438       NM

  Recoveries
    Commercial                      5,432        6,322        (890)   (14.1)
    Real estate:
      Home equity lines             3,903        2,101       1,802     85.8
      Construction                  1,786           82       1,704       NM
      Residential mortgages         2,083        1,107         976     88.2
      Commercial real estate          257          861        (604)   (70.2)
    Consumer:
      Direct                        1,700        2,108        (408)   (19.4)
      Indirect                     12,491       10,014       2,477     24.7
        Total recoveries           27,652       22,595       5,057     22.4
  Net charge-offs                (392,072)    (103,691)    288,381       NM
  Allowance for loan and
   lease losses - ending       $1,941,000   $1,093,691    $847,309     77.5

  Net charge-offs to average
   loans (annualized)
    Commercial                       0.59%        0.38%       0.21%    55.5%
      Real estate:
      Home equity lines              2.97         0.76        2.21       NM
      Construction                   1.73         0.07        1.66       NM
      Residential mortgages          1.57         0.24        1.33       NM
      Commercial real estate            -            -           -        -
    Consumer:
      Direct                         0.74         0.32        0.42       NM
      Indirect                       1.56         0.94        0.62     66.4
  Total net charge-offs to
   total average loans               1.24         0.34        0.90       NM

  Period Ended
  Nonaccrual/nonperforming
   loans
    Commercial                   $257,343      $74,246    $183,097       NM%
    Real estate:
      Home equity lines           232,904       80,966     151,938       NM
      Construction              1,040,678      158,194     882,484       NM
      Residential mortgages     1,548,955      595,856     953,099       NM
      Commercial real estate      164,906       40,649     124,257       NM
    Consumer loans                 44,732       24,880      19,851     79.8
      Total nonaccrual/
       nonperforming loans      3,289,518      974,791   2,314,727       NM
    Other real estate owned
     (OREO)                       387,037      156,106     230,931       NM
    Other repossessed assets       13,714        9,974       3,740     37.5
  Total nonperforming assets   $3,690,269   $1,140,871  $2,549,398       NM

  Restructured loans
   (accruing)(5)                 $381,040      $29,057    $351,983       NM

  Total accruing loans past due
   90 days or more               $772,132     $495,384    $276,747     55.9%

  Total nonperforming loans to
   total loans                       2.60%        0.81%       1.79%      NM%
  Total nonperforming assets to
   total loans plus OREO and
   other repossessed assets          2.90         0.94        1.96       NM
  Allowance to period-end
   loans (3)                         1.54         0.91        0.63     69.2
  Allowance to nonperforming
   loans (4)                         62.1        129.5       (67.4)   (52.0)
  Allowance to annualized net
   charge-offs                       1.24x        2.66x      (1.42)x  (53.6)




                                            Nine Months Ended
                                     September 30       Increase/(Decrease)
                                  2008         2007       Amount     % (1)
  CREDIT DATA
  Allowance for loan and
   lease losses - beginning    $1,282,504   $1,044,521    $237,983     22.8%
  Provision for loan losses     1,511,721      308,141   1,203,580       NM
  Allowance associated with
   loans at fair value (2)              -       (4,100)      4,100    100.0
  Allowance from GB&T
   acquisition                    158,705            -     158,705       NM
  Charge-offs
    Commercial                   (149,305)    (102,620)     46,685     45.5
    Real estate:
      Home equity lines          (312,621)     (69,376)    243,245       NM
      Construction               (110,300)      (4,543)    105,757       NM
      Residential mortgages      (368,751)     (53,761)    314,990       NM
      Commercial real estate       (1,196)      (1,770)       (574)   (32.4)
    Consumer:
      Direct                      (28,573)     (16,879)      11,694    69.3
      Indirect                   (127,239)     (74,006)      53,233    71.9
        Total charge-offs      (1,097,985)    (322,955)     775,030      NM

  Recoveries
    Commercial                     18,423       17,629          794     4.5
    Real estate:
      Home equity lines            11,921        5,607        6,314      NM
      Construction                  2,046          445        1,601      NM
      Residential mortgages         4,950        4,134          816    19.7
      Commercial real estate          454        1,064         (610)  (57.3)
    Consumer:
      Direct                        6,200        7,129         (929)  (13.0)
      Indirect                     42,061       32,076        9,985    31.1
        Total recoveries           86,055       68,084       17,971    26.4
  Net charge-offs              (1,011,930)    (254,871)     757,059      NM
  Allowance for loan and
   lease losses - ending       $1,941,000   $1,093,691     $847,309    77.5

  Net charge-offs to
   average loans
   (annualized)
    Commercial                       0.46%        0.33%        0.13%   38.2%
    Real estate:
      Home equity lines              2.68         0.61         2.07      NM
      Construction                   1.18         0.04         1.14      NM
      Residential mortgages          1.46         0.20         1.26      NM
      Commercial real estate         0.01         0.01            -       -
    Consumer:
      Direct                         0.68         0.30         0.38      NM
      Indirect                       1.52         0.69         0.83      NM
  Total net charge-offs to
   total average loans               1.08         0.28         0.80      NM


  (1) "NM" - Not meaningful. Those changes over 100 percent were not
      considered to be meaningful.
  (2) Amount removed from the allowance for loan losses related to the
      Company's election to record $4.1 billion of residential mortgages at
      fair value.
  (3) During the second quarter of 2008, the Company revised its method of
      calculating this ratio to include, within the period-end loan amount,
      only loans measured at amortized cost. Previously, period-end loans
      included loans measured at fair value or the lower of cost or market.
      The Company believes this is an improved method of calculation due to
      the fact that the allowance for loan losses relates solely to the
      loans measured at amortized cost. Loans measured at fair value or the
      lower of cost or market that have been excluded from the prior period
      calculation were $131,514, which did not change the calculation by
      more than one basis point as of September 30, 2007.
  (4) During the second quarter of 2008, the Company revised its method of
      calculating this ratio to include, within the nonperforming loan
      amount, only loans measured at amortized cost. Previously, this
      calculation included nonperforming loans measured at fair value or the
      lower of cost or market. The Company believes this is an improved
      method of calculation due to the fact that the allowance for loan
      losses relates solely to the loans measured at amortized cost.
      Nonperforming loans measured at fair value or the lower of cost or
      market that have been excluded from the prior period calculation were
      $129,962, which increased the calculation approximately 16 basis
      points as of September 30, 2007.
  (5) During the third quarter of 2008, the Company revised its definition
      of nonperforming to exclude loans that have been restructured and
      remain on accruing status. These loans are not considered to be
      nonperforming  because they are performing in accordance with the
      restructured terms.  This change better aligns the Company's
      definition of nonperforming loans with the one used by peer
      institutions and therefore improves comparability of this measure
      across the industry.



  SunTrust Banks, Inc. and Subsidiaries
  FIVE QUARTER OTHER FINANCIAL DATA
  (Dollars in thousands) (Unaudited)

                                        Three Months Ended
                          September 30    June 30     Increase/(Decrease)
                              2008          2008        Amount      % (1)
  CREDIT DATA
  Allowance for loan and
   lease losses -
   beginning               $1,829,400    $1,545,340    $284,060      18.4%
  Provision for loan
   losses                     503,672       448,027      55,645      12.4
  Allowance from GB&T
   acquisition                      -       158,705    (158,705)   (100.0)
  Charge-offs
    Commercial                (63,278)      (47,738)     15,540      32.6
    Real estate:
      Home equity lines      (119,162)      (94,857)     24,305      25.6
      Construction            (51,719)      (35,399)     16,320      46.1
      Residential
       mortgages             (133,510)     (126,055)      7,455       5.9
      Commercial real
       estate                    (400)         (563)       (163)    (29.0)
     Consumer:
       Direct                 (10,406)       (7,852)      2,554      32.5
       Indirect               (41,249)      (43,101)     (1,852)     (4.3)
         Total charge-offs   (419,724)     (355,565)     64,159      18.0
                                    -
  Recoveries
    Commercial                  5,432         7,255      (1,823)    (25.1)
    Real estate:
      Home equity lines         3,903         5,650      (1,747)    (30.9)
      Construction              1,786           182       1,604        NM
      Residential mortgages     2,083         1,644         439      26.7
      Commercial real estate      257            35         222        NM
    Consumer:
      Direct                    1,700         2,119        (419)    (19.8)
      Indirect                 12,491        16,008      (3,517)    (22.0)
        Total recoveries       27,652        32,893      (5,241)    (15.9)
  Net charge-offs            (392,072)     (322,672)     69,400      21.5
  Allowance for loan and
   lease losses - ending   $1,941,000    $1,829,400    $111,600       6.1
                                    -
  Net charge-offs to
   average loans
   (annualized)
    Commercial                   0.59%        0.42%        0.17%     39.9%
    Real estate:
      Home equity lines          2.97          2.40        0.57      23.9
      Construction               1.73          1.16        0.57      48.8
      Residential mortgages      1.57          1.49        0.08       5.6
      Commercial real estate        -          0.02       (0.02)   (100.0)
    Consumer:
      Direct                     0.74          0.53        0.21      38.9
      Indirect                   1.56          1.46        0.10       7.1
  Total net charge-offs to
   total average loans           1.24          1.04        0.20      19.2
                                    -
  Period Ended
  Nonaccrual/nonperforming
   loans
    Commercial               $257,343      $117,168    $140,175        NM%
    Real estate:
      Home equity lines       232,904       216,839      16,065       7.4
      Construction          1,040,678       772,353     268,325      34.7
      Residential
       mortgages            1,548,955     1,356,710     192,245      14.2
      Commercial real
       estate                 164,906       124,523      40,383      32.4
    Consumer loans             44,732        37,735       6,996      18.5
      Total nonaccrual/
       nonperforming loans  3,289,518     2,625,328     664,190      25.3
    Other real estate owned
     (OREO)                   387,037       334,519      52,518      15.7
    Other repossessed
     assets                    13,714        13,203         511       3.9
  Total nonperforming
   assets                  $3,690,269    $2,973,050    $717,219      24.1

  Restructured loans
   (accruing)(4)             $381,040      $163,358    $217,682         NM
  Total accruing loans past
   due 90 days or more       $772,132      $753,558     $18,574       2.5%

  Total nonperforming loans
   to total loans                2.60%         2.09%       0.51%      24.4%
  Total nonperforming assets
   to total loans plus OREO
   and other repossessed
   assets                        2.90          2.36        0.54      22.9
  Allowance to period-end
   loans (2)                     1.54          1.46        0.08       5.5
  Allowance to nonperforming
   loans (3)                     62.1          77.0       (14.9)    (19.3)
  Allowance to annualized
   net charge-offs               1.24x         1.41x      (0.17)x   (11.7)



                                             Three Months Ended
                                   March 31    December 31    September 30
                                      2008         2007           2007

  CREDIT DATA
  Allowance for loan and lease
   losses - beginning              $1,282,504    $1,093,691    $1,050,362
  Provision for loan losses           560,022       356,781       147,020
  Allowance from GB&T acquisition           -             -             -
  Charge-offs
    Commercial                        (38,289)      (38,239)      (39,487)
    Real estate:
      Home equity lines               (98,602)      (46,842)      (29,075)
      Construction                    (23,182)       (7,616)       (2,477)
      Residential mortgages          (109,186)      (59,319)      (19,853)
      Commercial real estate             (233)         (299)         (789)
    Consumer:
      Direct                          (10,315)       (6,630)       (5,661)
      Indirect                        (42,889)      (32,448)      (28,944)
        Total charge-offs            (322,696)     (191,393)     (126,286)

  Recoveries
    Commercial                          5,736         6,613         6,322
    Real estate:
      Home equity lines                 2,368         2,182         2,101
      Construction                         78           705            82
      Residential mortgages             1,223         1,328         1,107
      Commercial real estate              162           846           861
    Consumer:
      Direct                            2,381         2,484         2,108
      Indirect                         13,562         9,267        10,014
        Total recoveries               25,510        23,425        22,595
  Net charge-offs                    (297,186)     (167,968)     (103,691)
  Allowance for loan and lease
   losses - ending                 $1,545,340    $1,282,504    $1,093,691

  Net charge-offs to average loans
   (annualized)
    Commercial                           0.35%         0.35%        0.38%
    Real estate:
      Home equity lines                  2.65          1.23          0.76
      Construction                       0.72          0.20          0.07
      Residential mortgages              1.29          0.70          0.24
      Commercial real estate                -         (0.02)            -
    Consumer:
      Direct                             0.79          0.42          0.32
      Indirect                           1.53          1.16          0.94
  Total net charge-offs to
   total average loans                   0.97          0.55          0.34

  Period Ended
  Nonaccrual/nonperforming loans
    Commercial                        $97,930       $74,463       $74,246
    Real estate:
      Home equity lines               193,153       135,700        80,966
      Construction                    520,704       295,335       158,194
      Residential mortgages         1,115,071       841,376       595,856
      Commercial real estate           64,251        44,502        40,649
    Consumer loans                     46,851        39,031        24,880
      Total nonaccrual/
       nonperforming loans          2,037,960     1,430,407       974,791
      Other real estate owned
       (OREO)                         244,906       183,753       156,106
      Other repossessed assets          6,340        11,536         9,974
  Total nonperforming assets       $2,289,206    $1,625,696    $1,140,871

  Restructured loans
   (accruing)(4)                      $30,787       $29,851       $29,057
  Total accruing loans past due
   90 days or more                   $743,969      $611,003      $495,384

  Total nonperforming loans to
   total loans                           1.65%         1.17%         0.81%
  Total nonperforming assets to
   total loans plus OREO and
   other repossessed assets              1.85          1.33          0.94
  Allowance to period-end
   loans (2)                             1.25          1.05          0.91
  Allowance to nonperforming
   loans (3)                             82.9         101.9         129.5
  Allowance to annualized net
   charge-offs                           1.29x         1.92x         2.66x

  (1) "NM" - Not meaningful. Those changes over 100 percent were not
      considered to be meaningful.
  (2) During the second quarter of 2008, the Company revised its method of
      calculating this ratio to include, within the period-end loan amount,
      only loans measured at amortized cost. Previously, period-end loans
      included loans measured at fair value or the lower of cost or market.
      The Company believes this is an improved method of calculation due to
      the fact that the allowance for loan losses relates solely to the
      loans measured at amortized cost. Loans measured at fair value or the
      lower of cost or market that have been excluded from the prior
      periods calculation were $450,662, $392,259 and $131,514 as of March
      31, 2008, December 31, 2007 and September 30, 2007, respectively,
      which did not change the calculation by more than one basis point as
      of March 31, 2008, December 31, 2007 and September 30, 2007,
      respectively.
  (3) During the second quarter of 2008, the Company revised its method of
      calculating this ratio to include, within the nonperforming loan
      amount, only loans measured at amortized cost. Previously, this
      calculation  included nonperforming loans measured at fair value or
      the lower of cost or market. The Company believes this is an improved
      method of calculation due to the fact that the allowance for loan
      losses relates solely to the loans measured at amortized cost.
      Nonperforming loans measured at fair value or the lower of cost or
      market that have been excluded from the  prior periods calculation
      were $173,752, $171,475 and $129,962 as of March 31, 2008, December
      31, 2007 and September 30, 2007, respectively, which increased the
      calculation approximately 7, 12 and 16 basis points as of March 31,
      2008, December 31, 2007 and September 30, 2007, respectively.
  (4) During the third quarter of 2008, the Company revised its definition
      of nonperforming to exclude loans that have been restructured and
      remain on accruing status. These loans are not considered to be
      nonperforming  because they are performing in accordance with the
      restructured terms.  This change better aligns the Company's
      definition of nonperforming loans with the one used by peer
      institutions and therefore improves   comparability of this measure
      across the industry.

PRNewswire -- Oct. 23
SECOND AND FINAL ADD -- ADDITIONAL TABULAR MATERIAL -- TO FOLLOW
First Call Analyst:
FCMN Contact: michael.mccoy@suntrust.com

SOURCE: SunTrust Banks, Inc.


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