STI 2018 Annual Report

Improving the Client Experience We build financial confidence by making banking easier for our clients. Meeting Clients Where They Are Our goal is to invest in digital platforms which enable clients to do business when, where, and how they choose. We want to put more capabilities at our clients’ fingertips and provide a superior, differentiated experience. Leveraging Partnerships We connect SunTrust to the broader financial services ecosystem. By leveraging partnerships and APIs, we can expand our products, solutions, and capabilities beyond traditional banking channels. Staying Ahead of Risks We leverage technology as a defense to provide cyber security, ensure we have adequate stability, and protect our clients’ information. Becoming More Agile Change is constant; continuous improvement is a must. Across the company, we are focused on creating cross-functional agile delivery teams. This allows us to create, deploy, and enhance client-centric solutions better, faster, and more frequently. Designing for the Future We anticipate and exceed future client expectations in order to provide for an exceptional client experience. We listen to our clients, understand their needs and priorities, and work to design experiences they value. 70% digital adoption 25% increase in monthly digital logins per client 29% digital sales (as % of total sales) 64% adoption rate for SmartGUIDE Proven Success Innovation 2018 Technology Accomplishments › › Introduced a new digital mortgage application, SmartGUIDE, which takes about half as much time to complete as a traditional mortgage application › › Continued to increase functionality within our mobile app; 90% of consumer products can now be opened on a mobile device › › Created a new Digital Client Portal for our private wealth clients › › Enhanced our treasury management platform, SunView, by adding new capabilities to help corporate clients manage their payables and receivables › › Made ongoing enhancements to our payments platform and saw a 300% increase in P2P payments volume › › Assembled approximately 75 agile delivery teams › › Continued our migration to the cloud, a fundamental driver of improving and modernizing our architecture Page 28