STI 2018 Annual Report

ii MRMG — Model Risk Management Group. MSR — Mortgage servicing right. MVE — Market value of equity. NCF — National Commerce Financial Corporation. NOL — Net operating loss. NOW — Negotiable order of withdrawal account. NPA — Nonperforming asset. NPL — Nonperforming loan. NPR — Notice of proposed rulemaking. NSFR — Net stable funding ratio. NYSE — New York Stock Exchange. OCC — Office of the Comptroller of the Currency. OCI — Other comprehensive income. OFAC — Office of Foreign Assets Control. OREO — Other real estate owned. OTC — Over-the-counter. OTTI — Other-than-temporary impairment. PAC — Premium Assignment Corporation. Parent Company — SunTrust Banks, Inc. (the parent Company of SunTrust Bank and other subsidiaries). Patriot Act — The USA Patriot Act of 2001. PD — Probability of default. Pillar — substantially all of the assets of the operating subsidiaries of Pillar Financial, LLC. PMC — Portfolio Management Committee. PPNR — Pre-provision net revenue. PWM — Private Wealth Management. REIT — Real estate investment trust. ROA — Return on average total assets. ROE — Return on average common shareholders’ equity. ROTCE — Return on average tangible common shareholders' equity. RSU — Restricted stock unit. RWA — Risk-weighted assets. S&P — Standard and Poor’s. SBA — Small Business Administration. SBFC — SunTrust Benefits Finance Committee. SEC — U.S. Securities and Exchange Commission. SERP — Supplemental Executive Retirement Plan. SIRC — Strategic Initiative Review Committee. STAS — SunTrust Advisory Services, Inc. STCC — SunTrust Community Capital, LLC. STIS — SunTrust Investment Services, Inc. STM — SunTrust Mortgage, Inc. STRH — SunTrust Robinson Humphrey, Inc. SunTrust — SunTrust Banks, Inc. TDR — Troubled debt restructuring. TMC — Technology Management Committee. TRS — Total return swaps. U.S. — United States. U.S. GAAP — Generally Accepted Accounting Principles in the U.S. U.S. Treasury — the U.S. Department of the Treasury. UPB — Unpaid principal balance. UTB — Unrecognized tax benefit. VA —Veterans Administration. VAR —Value at risk. VEBA — Voluntary Employees' Beneficiary Association. VI — Variable interest. VIE — Variable interest entity. Visa — the Visa, U.S.A. Inc. card association or its affiliates, collectively. Visa Counterparty — a financial institution that purchased the Company's Visa Class B shares. VOE — Voting interest entity.