Truist Financial — BB&T — Investor Presentation (February 2001)

9 slides from Truist Financial's investor presentation, Feb 8, 2001

Slide 1: Nonperforming Assets / Total Loans
NONPERFORMING ASSETS/ TOTAL LOANS BB&T versus Peers (Year ended December 31) Nonperforming Assets / (Loans+OREO)
Slide 2: Net Charge-offs / Average Loans
NET CHARGE-OFFS/AVERAGE LOANS BB&T versus Peers (Year ended December 31) Nonperforming Assets / (Loans+OREO)
Slide 3: Total Loan Yield
TOTAL LOAN YIELD
Slide 4: Total Loan Growth
TOTAL LOAN GROWTH (Average loan balances)
Slide 5: BB&T Portfolio and Line of Business Summary
BB&T PORTFOLIO and LINE OF BUSINESS SUMMARY LINES OF BUSINESS
Slide 6: Portfolio Summary
PORTFOLIO SUMMARY As of December 31, 2000 Proforma w/ Hardwick, First Banking of SE Georgia, FCNB, BankFirst, & First Spartan $ % $ % Commercial Loans 17,042 43.6 17,992 43.0 Small Business 3,245 8.3 3,443 8.2 Direct Retail 6,729 17.2 7,235 17.3 Revolving Credit 2.1 2.0 Sales Finance 2,369 6.2 2,459
Slide 7: BB&T Loan Loss History
BB&T LOAN LOSS HISTORY Recession through Recovery 1989 1990 1991 1992 1993 Avg. .28 .40 .66 .48 .23 .41 NC Peers .50 .62 .85 .55 .32 .57 All FDIC Banks .16 .43 .59 .27 .85 .26 US Banks with Assets>$15B .13 .96 .81 .61 .03 .51 LOAN LOSS HISTORY Recovery through Expansion 1994 1995 1996 1997 1998 1999
Slide 8: Local Market and Client Knowledge
LOCAL MARKET AND CLIENT KNOWLEDGE • Community banking strategy promotes in-market lending • Lenders discouraged from going out-of-market • Loans outside footprint must be relationship-based
Slide 9: Slide 9