STI 2018 Annual Report

Notes to Consolidated Financial Statements, continued 113 Restructured Loans ATDR is a loan for which the Company has granted an economic concession to a borrower in response to financial difficulty experienced by the borrower, which the Company would not have considered otherwise. When a loan is modified under the terms of a TDR, the Company typically offers the borrower an extension of the loan maturity date and/or a reduction in the original contractual interest rate. In limited situations, the Company may offer to restructure a loan in a manner that ultimately results in the forgiveness of a contractually specified principal balance. At both December 31, 2018 and 2017, the Company had an immaterial amount of commitments to lend additional funds to debtors whose terms have been modified in a TDR. The number and carrying value of loans modified under the terms of a TDR, by type of modification, are presented in the following tables: Year Ended December 31, 2018 1 (Dollars in millions) Number of Loans Modified Rate Modification Term Extension and/or Other Concessions Total Commercial loans: C&I 169 $2 $77 $79 CRE 1 — — — Consumer loans: Residential mortgages - nonguaranteed 299 19 52 71 Residential home equity products 525 2 41 43 Residential construction 4 — — — Other direct 701 — 10 10 Indirect 2,585 — 58 58 Credit cards 1,410 5 — 5 Total TDR additions 5,694 $28 $238 $266 1 Includes loans modified under the terms of a TDR that were charged-off during the period. Year Ended December 31, 2017 1 (Dollars in millions) Number of Loans Modified Rate Modification Term Extension and/or Other Concessions Total Commercial loans: C&I 178 $3 $43 $46 Consumer loans: Residential mortgages - nonguaranteed 150 22 10 32 Residential home equity products 2,488 45 176 221 Other direct 661 — 9 9 Indirect 2,740 — 61 61 Credit cards 919 4 — 4 Total TDR additions 7,136 $74 $299 $373 1 Includes loans modified under the terms of a TDR that were charged-off during the period.