Vital statistics (as of 12/31/05).

2005

2004

Total assets

$179.7 billion

$158.9 billion

Total loans

$114.6 billion

$101.4 billion

Total consumer and commercial deposits

$97.6 billion

$92.1 billion

Total deposits

$122.0 billion

$103.4 billion

Net income

$513.8 million

$455.7 million

Net income per diluted share

$1.41

$1.26

Total shareholders' equity

$16.9 billion

$16.0 billion

Return on average realized equity

12.63%

12.54%

Return on average total assets

1.16%

1.16%

Banking locations

1,657

Employees (FTE)

33,406

ATMs

2,782

Stock symbol (NYSE)

STI

Organization.
SunTrust Banks, Inc., with assets of $179.7 billion on December 31, 2005, is one of the nation's largest and strongest financial holding companies.

Through its banking subsidiaries, the company provides deposit, credit, trust, and investment services to a broad range of retail, business, and institutional clients.  Other subsidiaries provide mortgage banking, credit-related insurance, asset management, brokerage, and capital market services.

Atlanta-based SunTrust enjoys leading market positions in some of the highest growth markets in the United States and also serves clients in selected markets nationally.

On October 1, 2004, SunTrust closed its merger with National Commerce Financial Corporation.  The company now operates 1,657 retail branches and 2,782 ATMs in Alabama, Arkansas, Florida, Georgia, Maryland, Mississippi, North Carolina, South Carolina, Tennessee, Virginia, West Virginia, and the District of Columbia.  In addition, SunTrust provides customers with a full range of technology-based banking channels including Internet, PC, and Automated Telephone Banking.

Market focus.
From a customer perspective, SunTrust's market focus is centered around individual banking units under strong local management teams.  Today, SunTrust operates more than 50 geographically focused "banks" that serve as focal points for client contact, business generation, and community involvement.

SunTrust's local executives are empowered to bring the full range of the bank's resources to bear on local client needs, and local boards of directors help keep SunTrust attuned to market trends.

Under SunTrust's operating model, clients benefit from the advantages of a decentralized management structure while the institution realizes the economies of scale and product development advantages that come from being one of the nation's largest banking organizations.

Business orientation.
SunTrust has five major Lines of Business (LOBs):

Mortgage
In addition to providing mortgage services through SunTrust branches, the telephone, and Internet, SunTrust Mortgage, Inc. originates loans through more than 170 locations in SunTrust markets and adjacent states, maintains correspondent and broker relationships in 48 states, and services loans nationally.  As of December 31, 2005, SunTrust's mortgage servicing portfolio was more than $105.6 billion.

Retail banking
SunTrust's retail line of business provides financial solutions to five million client households as well as businesses with annual sales of up to $5 million. Through branch and non-traditional delivery channels, SunTrust provides a complete range of deposit and loan products, as well as insurance, Business Banking, and Private Banking services.

Commercial banking
SunTrust's commercial banking line of business serves companies, government, and nonprofit entities with annual sales or budgets from $5 million to $250 million, delivering financing, treasury management, and access to the capital markets to more than 30,000 clients through geographically based units across the Southeast and Mid-Atlantic regions.  Specialty businesses include Auto Dealer Finance, Institutional and Government Banking, and Commercial Real Estate.

Corporate and investment banking
SunTrust's Corporate and Investment Banking line of business (CIB) provides capital raising, treasury management, and other tailored financial solutions such as commercial leasing and private equity to thousands of America's top corporations.  The SunTrust Robinson Humphrey Capital Markets division of CIB serves corporations, institutions, and public bodies with a wide array of fixed income, investment banking, equity research, trading, and risk management capabilities.

Wealth and investment management
SunTrust provides top-quality fiduciary, brokerage, investment management, and related services to institutions and affluent individuals.  As of December 31, 2005, SunTrust had total assets under advisement of $242.5 billion, including $209.1 billion in trust assets, and $33.4 billion in retail brokerage assets.  Trusco Capital Management, SunTrust's institutional investment management subsidiary, is advisor to the STI Classic Funds.

For more about our parent company and its services, click on SunTrust Banks Home.
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