STI 2018 Annual Report

SunTrust at a Glance SunTrust is an organization driven by purpose and a personal touch. We are passionate about Lighting the Way to Financial Well-Being by helping clients, teammates, and communities achieve financial confidence. As one of the nation’s largest and strongest financial services companies, we offer a full suite of products and services designed to meet the needs of our consumer, small business, corporate, and institutional clients. Regional Businesses › › Commercial Banking (growing national presence) › › Consumer Banking (branch-based) › › Consumer Lending (HELOC, credit card) › › Private Wealth Management (growing national presence) › › Retail Mortgage National Businesses › › Corporate & Investment Banking › › Commercial Real Estate › › Consumer Lending (LightStream, third-party partnerships) › › Specialty Private Wealth Management › › Correspondent Mortgage Size Financial Performance Assets $216bn Loans $152bn Deposits $163bn 28% EPS Growth 16.9% 1 ROTCE 1.34% ROA 1 Reported ROE for 2018 was 12.1%. See Table 29 in Item 7 (MD&A) on Form 10-K for a reconcilement of non-U.S. GAAP measures and additional information. On cover, SunTrust teammates from left to right: Iryna Kashanskaya, Ryan Lee, April Jackson, and Kenneth Knauf We are a purpose- driven company, fueled by a passion to make a difference in people’s lives. There is no denying that financial stress can take a toll on so many people—it can impact their relationships, health, productivity and even their ability to enjoy moments that matter. Simply put, we knew we needed to do something about it. SunTrust is at the forefront of a better approach to banking. We are leading a movement to help more and more clients, teammates, and communities take the first step to achieve financial confidence. We are Lighting the Way to Financial Well-Being.