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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 10-Q

☑ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d)

OF THE SECURITIES EXCHANGE ACT OF 1934

For the quarterly period ended September 30, 2019

Commission file number 001-08918

SunTrust Banks, Inc.

(Exact name of registrant as specified in its charter)



Georgia		58-1575035
(State or other jurisdiction of incorporation or organization)		(I.R.S. Employer Identification No.)

303 Peachtree Street, N.E., Atlanta, Georgia 30308

(Address of principal executive offices) (Zip Code)

(800) 786-8787

(Registrant’s telephone number, including area code)

Securities registered pursuant to Section 12(b) of the Exchange Act:



Title of Each Class	Trading Symbol(s)	Name of Exchange on Which Registered
Common Stock	STI	New York Stock Exchange
Perpetual Preferred Stock, Series A⁽¹⁾	STI PRA	New York Stock Exchange
Perpetual Preferred Stock, Series B⁽²⁾	STI/PRI	New York Stock Exchange

⁽¹⁾ Depositary Shares, Each Representing a 1/4000^thInterest in a Share of Perpetual Preferred Stock, Series A.

⁽²⁾ 5.853% Fixed-to-Floating Rate Normal Preferred Purchase Securities of SunTrust Preferred Capital I (representing interests in shares of Perpetual Preferred Stock, Series B).

Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days.

Yes ☑ No ☐

Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit such files).

Yes ☑ No ☐

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company, or an emerging growth company. See the definitions of “large accelerated filer,” “accelerated filer,” “smaller reporting company,” and “emerging growth company” in Rule 12b-2 of the Exchange Act.



Large accelerated filer	☑	Accelerated filer	☐
Non-accelerated filer	☐ (Do not check if a smaller reporting company)	Smaller reporting company	☐
		Emerging growth company	☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act). Yes ☐ No ☑

At October 28, 2019, 444,039,931 shares of the registrant’s common stock, $1.00 par value, were outstanding.



TABLE OF CONTENTS
	Section		Page
	GLOSSARY OF DEFINED TERMS		i
	Important Cautionary Statement About Forward-Looking Statements		1

	PART I - FINANCIAL INFORMATION		3
	Item 1.	Financial Statements (Unaudited)	4
		Consolidated Statements of Income	4
		Consolidated Statements of Comprehensive Income	5
		Consolidated Balance Sheets	6
		Consolidated Statements of Shareholders’ Equity	7
		Consolidated Statements of Cash Flows	8
		Notes to Consolidated Financial Statements (Unaudited)	9
		Note 1 - Significant Accounting Policies	9
		Note 2 - Revenue Recognition	11
		Note 3 - Federal Funds Sold and Securities Financing Activities	13
		Note 4 - Trading Assets and Liabilities and Derivative Instruments	14
		Note 5 - Investment Securities	15
		Note 6 - Loans	19
		Note 7 - Allowance for Credit Losses	27
		Note 8 - Goodwill and Other Intangible Assets	28
		Note 9 - Other Assets	31
		Note 10 - Leases	32
		Note 11 - Certain Transfers of Financial Assets and Variable Interest Entities	35
		Note 12 - Net Income Per Common Share	38
		Note 13 - Income Taxes	39
		Note 14 - Employee Benefit Plans	39
		Note 15 - Guarantees	40
		Note 16 - Derivative Financial Instruments	42
		Note 17 - Fair Value Election and Measurement	50
		Note 18 - Contingencies	59
		Note 19 - Business Segment Reporting	60
		Note 20 - Accumulated Other Comprehensive Loss	64
	Item 2.	Management’s Discussion and Analysis of Financial Condition and Results of Operation	66
	Item 3.	Quantitative and Qualitative Disclosures About Market Risk	97
	Item 4.	Controls and Procedures	97

	PART II - OTHER INFORMATION		97
	Item 1.	Legal Proceedings	97
	Item 1A.	Risk Factors	97
	Item 2.	Unregistered Sales of Equity Securities and Use of Proceeds	98
	Item 3.	Defaults Upon Senior Securities	99
	Item 4.	Mine Safety Disclosures	99
	Item 5.	Other Information	99
	Item 6.	Exhibits	99

	SIGNATURE		100

GLOSSARY OF DEFINED TERMS

ABS — Asset-backed securities.

ACH — Automated clearing house.

AFS — Available for sale.

AIP — Annual Incentive Plan.

ALCO — Asset/Liability Committee.

ALM — Asset/Liability management.

ALLL — Allowance for loan and lease losses.

AOCI — Accumulated other comprehensive income.

ASC — Accounting Standards Codification.

ASU — Accounting Standards Update.

ATE — Additional termination event.

ATM — Automated teller machine.

Bank — SunTrust Bank.

Basel III — the Third Basel Accord, a comprehensive set of reform measures developed by the BCBS.

BB&T — BB&T Corporation.

BCBS — Basel Committee on Banking Supervision.

BHC — Bank holding company.

Board — the Company’s Board of Directors.

bps — Basis points.

CCAR — Comprehensive Capital Analysis and Review.

CCB — Capital conservation buffer.

CD — Certificate of deposit.

CDR — Conditional default rate.

CDS — Credit default swaps.

CEO — Chief Executive Officer.

CET1 — Common Equity Tier 1 Capital.

CFO — Chief Financial Officer.

CIB — Corporate and investment banking.

C&I — Commercial and industrial.

Class A shares — Visa Inc. Class A common stock.

Class B shares — Visa Inc. Class B common stock.

CME — Chicago Mercantile Exchange.

Company — SunTrust Banks, Inc.

CP — Commercial paper.

CPI — Consumer Price Index.

CPR — Conditional prepayment rate.

CRE — Commercial real estate.

CSA — Credit support annex.

CVA — Credit valuation adjustment.

DDA — Demand deposit account.

Dodd-Frank Act — Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010.

DTA — Deferred tax asset.

DVA — Debit valuation adjustment.

EGRRCPA — Economic Growth, Regulatory Relief, and Consumer Protection Act.

EPS — Earnings per share.

ERISA — Employee Retirement Income Security Act of 1974.

Exchange Act — Securities Exchange Act of 1934.

Fannie Mae — Federal National Mortgage Association.

FASB — Financial Accounting Standards Board.

Freddie Mac — Federal Home Loan Mortgage Corporation.

FDIC — Federal Deposit Insurance Corporation.

Federal Reserve — Federal Reserve System.

Fed Funds — Federal funds.

FHA — Federal Housing Administration.

FHLB — Federal Home Loan Bank.

FICO — Fair Isaac Corporation.

Fitch — Fitch Ratings Ltd.

FRB — Federal Reserve Board (Board of Governors of the Federal Reserve System).

FTE — Fully taxable-equivalent.

FVO — Fair value option.

Ginnie Mae — Government National Mortgage Association.

GSE — Government-sponsored enterprise.

IPO — Initial public offering.

IRLC — Interest rate lock commitment.

ISDA — International Swaps and Derivatives Association.

LCH — LCH.Clearnet Limited.

LCR — Liquidity coverage ratio.

LGD — Loss given default.

LHFI — Loans held for investment.

LHFS — Loans held for sale.

LIBOR — London Interbank Offered Rate.

LOCOM — Lower of cost or market.

LTI — Long-term incentive.

LTV— Loan to value.

Mastercard — Mastercard International.

MBS — Mortgage-backed securities.

MD&A — Management’s Discussion and Analysis of Financial Condition and Results of Operation.

Merger — the Company’s proposed merger-of-equals with BB&T that was announced on February 7, 2019.

Moody’s — Moody’s Investors Service.

MRA — Master Repurchase Agreement.

MSR — Mortgage servicing right.

MVE — Market value of equity.

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.

OREO — Other real estate owned.

OTC — Over-the-counter.

OTTI — Other-than-temporary impairment.

Parent Company — SunTrust Banks, Inc. (the parent Company of SunTrust Bank and other subsidiaries).

PD — Probability of default.

Pillar — substantially all of the assets of the operating subsidiaries of Pillar Financial, LLC.

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.

SEC — U.S. Securities and Exchange Commission.

STAS — SunTrust Advisory Services, Inc.

STCC — SunTrust Community Capital, LLC.

STIS — SunTrust Investment Services, Inc.

STRH — SunTrust Robinson Humphrey, Inc.

SunTrust — SunTrust Banks, Inc.

TDR — Troubled debt restructuring.

TRS — Total return swaps.

Truist — Truist Financial Corporation.

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.

VA —Veterans Administration.

VAR —Value at risk.

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.

Important Cautionary Statement About Forward-Looking Statements

This Quarterly Report contains forward-looking statements. Statements regarding: (i) future impacts of ASUs not yet adopted; (ii) future levels of net interest margin, efficiency ratios, the net charge-offs to total average LHFI ratio, capital ratios, and share count; (iii) the Merger and the potential effects of the Merger on our business and operations upon, after, or prior to the consummation thereof; (iv) the expected timing of closing of the Merger; (v) the synergies, scale, and corresponding benefits expected to be realized from the Merger, including achieving peer-leading efficiency, creating capacity for investments, operating retail and PWM businesses that are industry-leaders in growth, efficiency, talent, and technology, and bringing our Wholesale capabilities and differentiated model to a broader set of clients; (vi) the possibility of purchasing additional interest rate swaps or terminating existing swaps; (vii) future changes in the size and composition of the investment securities portfolio; (viii) the estimated impacts of proposed regulatory capital rules or other changes in banking laws, rules, or regulations; and (ix) our future credit ratings and outlook, are forward-looking statements. Also, any statement that does not describe historical or current facts is a forward-looking statement. These statements often include the words “believe,” “expect,” “anticipate,” “estimate,” “intend,” “target,” “forecast,” “future,” “strategy,” “goal,” “initiative,” “plan,” “propose,” “opportunity,” “potentially,” “probably,” “project,” “outlook,” or similar expressions or future conditional verbs such as “may,” “will,” “should,” “would,” and “could.” Such statements are based upon the current beliefs and expectations of management and on information currently available to management. They speak as of the date hereof, and we do not assume any obligation to update the statements made herein or to update the reasons why actual results could differ from those contained in such statements in light of new information or future events.

Forward-looking statements are subject to significant risks and uncertainties. Investors are cautioned against placing undue reliance on such statements. Actual results may differ materially from those set forth in the forward-looking statements. Factors that could cause actual results to differ materially from those described in the forward-looking statements can be found in Part I, Item 1A, “Risk Factors,” in our 2018 Annual Report on Form 10-K. Such factors include: failure to complete the Merger could negatively impact our stock price and our future business and financial results; we will be subject to uncertainties while the Merger is pending, which could adversely affect our business; the Merger Agreement may be terminated in accordance with its terms and the Merger may not be completed; because the market price of BB&T Common Stock may fluctuate, our shareholders cannot be certain of the precise value of the merger consideration they may receive in the Merger; our ability to complete the Merger is subject to the receipt of approval from various federal and state regulatory agencies, which may impose conditions that could adversely affect us or cause the Merger to be abandoned; shareholder litigation could prevent or delay the closing of the Merger or otherwise negatively impact our business and operations; current or future legislation or regulation could

require us to change our business practices, reduce revenue, impose additional costs, or otherwise adversely affect business operations or competitiveness; we are subject to stringent capital adequacy and liquidity requirements and our failure to meet these would adversely affect our financial condition; the monetary and fiscal policies of the federal government and its agencies could have a material adverse effect on our earnings; our financial results have been, and may continue to be, materially affected by general economic conditions, and a deterioration of economic conditions or of the financial markets may materially adversely affect our lending activity or other businesses, as well as our financial condition and results; changes in market interest rates or capital markets could adversely affect our revenue and expenses, the value of assets and obligations, as well as the availability and cost of capital and liquidity; interest rates on our outstanding and future financial instruments might be subject to change based on regulatory developments, which could adversely affect our revenue, expenses, and the value of those financial instruments; our earnings may be affected by volatility in mortgage production and servicing revenues, and by changes in carrying values of our servicing assets and mortgages held for sale due to changes in interest rates; disruptions in our ability to access global capital markets and other sources of wholesale funding may adversely affect our capital resources and liquidity; we are subject to credit risk; we may have more credit risk and higher credit losses to the extent that our loans are concentrated by loan type, industry segment, borrower type, or location of the borrower or collateral; we rely on the mortgage secondary market and GSEs for some of our liquidity; loss of customer deposits could increase our funding costs; any reduction in our credit rating could increase the cost of our funding from the capital markets; we are subject to litigation, and our expenses related to this litigation may adversely affect our results; we may incur fines, penalties and other negative consequences from regulatory violations, possibly even inadvertent or unintentional violations; we are subject to certain risks related to originating and selling mortgages, and may be required to repurchase mortgage loans or indemnify mortgage loan purchasers as a result of breaches of representations and warranties, or borrower fraud, and this could harm our liquidity, results of operations, and financial condition; we face risks as a servicer of loans; consumers and small businesses may decide not to use banks to complete their financial transactions, which could affect our revenue; we have businesses other than banking which subject us to a variety of risks; negative public opinion could damage our reputation and adversely impact business and revenues; we may face more intense scrutiny of our sales, training, and incentive compensation practices; we rely on other companies to provide key components of our business infrastructure; competition in the financial services industry is intense and we could lose business or suffer margin declines as a result; we continually encounter technological change and must effectively develop and implement new technology; maintaining or increasing market share depends on market acceptance and regulatory approval of new products and services; we have in the past and may in the future pursue acquisitions, which could affect costs

and from which we may not be able to realize anticipated benefits; we depend on the expertise of key personnel, and if these individuals leave or change their roles without effective replacements, operations may suffer; we may not be able to hire or retain additional qualified personnel and recruiting and compensation costs may increase as a result of changes in the marketplace, both of which may increase costs and reduce profitability and may adversely impact our ability to implement our business strategies; our framework for managing risks may not be effective in mitigating risk and loss to us; our controls and procedures may not prevent or detect all errors or acts of fraud; we are at risk of increased losses from fraud; our operational or communications systems or infrastructure may fail or may be the subject of a breach or cyber-attack that, if successful, could adversely affect our business or disrupt business continuity; a disruption, breach, or failure in the operational systems or infrastructure of our third party vendors or other service

providers, including as a result of cyber-attacks, could adversely affect our business; natural disasters and other catastrophic events could have a material adverse impact on our operations or our financial condition and results; the soundness of other financial institutions could adversely affect us; we depend on the accuracy and completeness of information about clients and counterparties; our accounting policies and processes are critical to how we report our financial condition and results of operation, and they require management to make estimates about matters that are uncertain; depressed market values for our stock and adverse economic conditions sustained over a period of time may require us to write down all or some portion of our goodwill; our stock price can be volatile; we might not pay dividends on our stock; our ability to receive dividends from our subsidiaries or other investments could affect our liquidity and ability to pay dividends; and certain banking laws and certain provisions of our articles of incorporation may have an anti-takeover effect.

PART I - FINANCIAL INFORMATION

The following unaudited financial statements have been prepared in accordance with the instructions to Form 10-Q and Rule 10-01 of Regulation S-X, and accordingly do not include all of the information and footnotes required by U.S. GAAP for complete financial statements. However, in the opinion of management, all adjustments (consisting only of normal recurring adjustments) considered necessary to comply with Regulation S-X have been included. Operating results for the three and nine months ended September 30, 2019 are not necessarily indicative of the results that may be expected for the full year ending December 31, 2019.



Item 1.	FINANCIAL STATEMENTS (UNAUDITED)

SunTrust Banks, Inc.

Consolidated Statements of Income



	Three Months Ended September 30				Nine Months Ended September 30
(Dollars in millions and shares in thousands, except per share data) (Unaudited)	2019		2018		2019			2018
Interest Income
Interest and fees on loans held for investment		$1,708		$1,549		$5,125			$4,424
Interest and fees on loans held for sale	21		22		50			67
Interest on securities available for sale	215		212		659			628
Trading account interest and other	61		51		179			142
Total interest income	2,005		1,834		6,013			5,261
Interest Expense
Interest on deposits	293		193		811			484
Interest on long-term debt	150		95		425			252
Interest on other borrowings	52		34		188			85
Total interest expense	495		322		1,424			821
Net interest income	1,510		1,512		4,589			4,440
Provision for credit losses	132		61		412			121
Net interest income after provision for credit losses	1,378		1,451		4,177			4,319
Noninterest Income
Service charges on deposit accounts	141		144		417			433
Other charges and fees	90		89		265			264
Card fees	83		75		247			241
Investment banking income	159		150		431			453
Trading income	29		42		144			137
Mortgage-related income ¹	106		83		294			256
Trust and investment management income	78		80		222			230
Retail investment services	76		74		220			219
Insurance settlement	5		—		210			—
Commercial real estate-related income	32		24		106			66
Net securities gains/(losses)	4		—		(38		)	1
Other noninterest income	40		21		135			108
Total noninterest income	843		782		2,653			2,408
Noninterest Expense
Employee compensation	744		719		2,149			2,141
Employee benefits	97		76		344			310
Outside processing and software	241		234		720			667
Net occupancy expense	102		86		305			270
Charitable contribution to SunTrust Foundation	—		—		205			—
Marketing and customer development	44		45		131			127
Equipment expense	36		40		114			124
Merger-related costs	22		—		75			—
Operating losses	23		18		60			40
Amortization	21		19		54			51
Regulatory assessments	17		39		53			118
Other noninterest expense	127		108		392			343
Total noninterest expense	1,474		1,384		4,602			4,191
Income before provision for income taxes	747		849		2,228			2,536
Provision for income taxes	122		95		330			412
Net income including income attributable to noncontrolling interest	625		754		1,898			2,124
Less: Net income attributable to noncontrolling interest	2		2		7			7
Net income	623		752		1,891			2,117
Less: Preferred stock dividends	26		26		77			81
Net income available to common shareholders		$597		$726		$1,814			$2,036
Net income per average common share:
Diluted		$1.34		$1.56		$4.06			$4.34
Basic	1.35		1.58		4.09			4.38
Dividends declared per common share	0.56		0.50		1.56			1.30
Average common shares outstanding - diluted	446,962		464,164		446,673			469,006
Average common shares outstanding - basic	443,960		460,252		443,779			464,804

¹Beginning with the 2018 Form 10-K, the Company began presenting Mortgage production related income and Mortgage servicing related income as a single line item on the Consolidated Statements of Income titled Mortgage-related income. Prior periods have been conformed to this updated presentation for comparability.

See accompanying Notes to Consolidated Financial Statements (unaudited).

SunTrust Banks, Inc.

Consolidated Statements of Comprehensive Income



	Three Months Ended September 30					Nine Months Ended September 30
(Dollars in millions) (Unaudited)	2019		2018			2019			2018
Net income		$623		$752			$1,891			$2,117
Components of other comprehensive income/(loss):
Change in net unrealized gains/(losses) on securities available for sale, net of tax of $51, ($55), $294 and ($223), respectively	166		(178		)	960			(726		)
Change in net unrealized gains/(losses) on derivative instruments, net of tax of $25, ($6), $93 and ($55), respectively	82		(20		)	302			(179		)
Change in net unrealized losses on brokered time deposits, net of tax of $0, $0, $0 and $0, respectively	—		—			(1		)	—
Change in credit risk adjustment on long-term debt, net of tax of $0, $0, $0 and $1, respectively	—		—			—			3
Change related to employee benefit plans, net of tax of $1, $1, $4 and $1, respectively	4		3			10			2
Total other comprehensive income/(loss), net of tax	252		(195		)	1,271			(900		)
Total comprehensive income		$875		$557			$3,162			$1,217

See accompanying Notes to Consolidated Financial Statements (unaudited).

SunTrust Banks, Inc.

Consolidated Balance Sheets



	September 30,			December 31,
(Dollars in millions and shares in thousands, except per share data)	2019			2018
Assets	(Unaudited)
Cash and due from banks		$7,844			$5,791
Federal funds sold and securities borrowed or purchased under agreements to resell	1,314			1,679
Interest-bearing deposits in other banks	26			25
Cash and cash equivalents	9,184			7,495
Trading assets and derivative instruments ¹	7,104			5,506
Securities available for sale ²	31,358			31,442
Loans held for sale ($1,488 and $1,178 at fair value at September 30, 2019 and December 31, 2018, respectively)	2,006			1,468
Loans held for investment ³ ($124 and $163 at fair value at September 30, 2019 and December 31, 2018, respectively)	158,455			151,839
Allowance for loan and lease losses	(1,699		)	(1,615		)
Net loans held for investment	156,756			150,224
Premises, property, and equipment, net	1,985			2,024
Goodwill	6,331			6,331
Other intangible assets (Residential MSRs at fair value: $1,564 and $1,983 at September 30, 2019 and December 31, 2018, respectively)	1,648			2,062
Other assets ($76 and $95 at fair value at September 30, 2019 and December 31, 2018, respectively)	10,996			8,991
Total assets		$227,368			$215,543

Liabilities
Noninterest-bearing deposits		$40,360			$40,770
Interest-bearing deposits ($552 and $403 at fair value at September 30, 2019 and December 31, 2018, respectively)	127,311			121,819
Total deposits	167,671			162,589
Funds purchased	254			2,141
Securities sold under agreements to repurchase	1,829			1,774
Other short-term borrowings	5,061			4,857
Long-term debt ⁴ ($302 and $289 at fair value at September 30, 2019 and December 31, 2018, respectively)	20,369			15,072
Trading liabilities and derivative instruments	1,380			1,604
Other liabilities	4,315			3,226
Total liabilities	200,879			191,263
Shareholders’ Equity
Preferred stock, no par value	2,025			2,025
Common stock, $1.00 par value	553			553
Additional paid-in capital	8,989			9,022
Retained earnings	20,664			19,522
Treasury stock, at cost, and other ⁵	(5,593		)	(5,422		)
Accumulated other comprehensive loss, net of tax	(149		)	(1,420		)
Total shareholders’ equity	26,489			24,280
Total liabilities and shareholders’ equity		$227,368			$215,543

Common shares outstanding ⁶	444,033			446,888
Common shares authorized	750,000			750,000
Preferred shares outstanding	20			20
Preferred shares authorized	50,000			50,000
Treasury shares of common stock	108,750			105,896

¹ Includes trading securities pledged as collateral where counterparties have the right to sell or repledge the collateral		$1,284			$1,442
² Includes securities AFS pledged as collateral where counterparties have the right to sell or repledge the collateral	151			222
³ Includes LHFI of consolidated VIEs	136			153
⁴ Includes debt of consolidated VIEs	143			161
⁵ Includes noncontrolling interest	101			103
⁶ Includes restricted shares	4			7

See accompanying Notes to Consolidated Financial Statements (unaudited).

SunTrust Banks, Inc.

Consolidated Statements of Shareholders’ Equity



(Dollars and shares in millions, except per share data) (Unaudited)	Preferred Stock		Common Shares Outstanding		Common Stock		Additional Paid-in Capital			Retained Earnings			Treasury ¹ Stock and Other			Accumulated Other Comprehensive Loss			Total
Balance, July 1, 2019		$2,025	444			$553		$8,965			$20,319			($5,599	)		($401	)		$25,862
Net income	—		—		—		—			623			—			—			623
Other comprehensive income	—		—		—		—			—			—			252			252
Change in noncontrolling interest	—		—		—		—			—			(2		)	—			(2		)
Common stock dividends, $0.56 per share	—		—		—		—			(249		)	—			—			(249		)
Preferred stock dividends ²	—		—		—		—			(26		)	—			—			(26		)
Exercise of stock options and stock compensation expense	—		—		—		(3		)	—			5			—			2
Restricted stock activity	—		—		—		27			(3		)	3			—			27
Balance, September 30, 2019		$2,025	444			$553		$8,989			$20,664			($5,593	)		($149	)		$26,489

Balance, January 1, 2019		$2,025	447			$553		$9,022			$19,522			($5,422	)		($1,420	)		$24,280
Cumulative effect adjustment related to ASU adoption ³	—		—		—		—			31			—			—			31
Net income	—		—		—		—			1,891			—			—			1,891
Other comprehensive income	—		—		—		—			—			—			1,271			1,271
Change in noncontrolling interest	—		—		—		—			—			(2		)	—			(2		)
Common stock dividends, $1.56 per share	—		—		—		—			(693		)	—			—			(693		)
Preferred stock dividends ²	—		—		—		—			(77		)	—			—			(77		)
Repurchase of common stock	—		(5	)	—		—			—			(250		)	—			(250		)
Exercise of stock options and stock compensation expense	—		—		—		(7		)	—			14			—			7
Restricted stock activity	—		2		—		(26		)	(10		)	67			—			31
Balance, September 30, 2019		$2,025	444			$553		$8,989			$20,664			($5,593	)		($149	)		$26,489

¹ At September 30, 2019, includes ($5,693) million for treasury stock, less than ($1) million for the compensation element of restricted stock, and $101 million for noncontrolling interest.

² For the three months ended September 30, 2019, dividends were $1,022.22 per share for both Series A and B Preferred Stock, $1,406.25 per share for Series F Preferred Stock, $1,262.50 per share for Series G Preferred Stock, and $1,281.25 per share for Series H Preferred Stock.

For the nine months ended September 30, 2019, dividends were $3,044.44 per share for both Series A and B Preferred Stock, $4,218.75 per share for Series F Preferred Stock, $3,787.50 per share for Series G Preferred Stock, and $3,843.75 per share for Series H Preferred Stock.

³Related to the Company’s adoption of ASU 2016-02 on January 1, 2019. See Note 1, “Significant Accounting Policies,” for additional information.



(Dollars and shares in millions, except per share data) (Unaudited)	Preferred Stock			Common Shares Outstanding		Common Stock		Additional Paid-in Capital			Retained Earnings			Treasury ¹ Stock and Other			Accumulated Other Comprehensive Loss			Total
Balance, July 1, 2018		$2,025		465			$552		$8,980			$18,616			($4,178	)		($1,679	)		$24,316
Net income	—			—		—		—			752			—			—			752
Other comprehensive loss	—			—		—		—			—			—			(195		)	(195		)
Change in noncontrolling interest	—			—		—		—			—			(2		)	—			(2		)
Common stock dividends, $0.50 per share	—			—		—		—			(229		)	—			—			(229		)
Preferred stock dividends ²	—			—		—		—			(26		)	—			—			(26		)
Repurchase of common stock	—			(7	)	—		—			—			(500		)	—			(500		)
Exercise of stock options and stock compensation expense	—			—		—		(1		)	—			3			—			2
Exercise of stock warrants	—			1		1		—			—			—			—			1
Restricted stock activity	—			—		—		22			(2		)	—			—			20
Balance, September 30, 2018		$2,025		459			$553		$9,001			$19,111			($4,677	)		($1,874	)		$24,139

Balance, January 1, 2018		$2,475		471			$550		$9,000			$17,540			($3,591	)		($820	)		$25,154
Cumulative effect of adjustment related to ASU adoptions ³	—			—		—		—			144			—			(154		)	(10		)
Net income	—			—		—		—			2,117			—			—			2,117
Other comprehensive loss	—			—		—		—			—			—			(900		)	(900		)
Change in noncontrolling interest	—			—		—		—			—			(2		)	—			(2		)
Common stock dividends, $1.30 per share	—			—		—		—			(603		)	—			—			(603		)
Preferred stock dividends ²	—			—		—		—			(81		)	—			—			(81		)
Redemption of preferred stock, Series E	(450		)	—		—		—			—			—			—			(450		)
Repurchase of common stock	—			(17	)	—		—			—			(1,160		)	—			(1,160		)
Exercise of stock options and stock compensation expense	—			1		—		—			—			36			—			36
Exercise of stock warrants	—			3		3		(3		)	—			—			—			—
Restricted stock activity	—			1		—		4			(6		)	40			—			38
Balance, September 30, 2018		$2,025		459			$553		$9,001			$19,111			($4,677	)		($1,874	)		$24,139

¹ At September 30, 2018, includes ($4,777) million for treasury stock, less than ($1) million for the compensation element of restricted stock, and $101 million for noncontrolling interest.

² For the three months ended September 30, 2018, dividends were $1,022.22 per share for both Series A and B Preferred Stock, $1,406.25 per share for Series F Preferred Stock, $1,262.50 per share for Series G Preferred Stock, and $1,281.25 per share for Series H Preferred Stock.

For the nine months ended September 30, 2018, dividends were $3,044.44 per share for both Series A and B Preferred Stock, $1,468.75 per share for Series E Preferred Stock, $4,218.75 per share for Series F Preferred Stock, $3,787.50 per share for Series G Preferred Stock, and $4,285.07 per share for Series H Preferred Stock.

³ Related to the Company’s adoption of ASU 2014-09, ASU 2016-01, ASU 2017-12, and ASU 2018-02 on January 1, 2018. See Note 1, “Significant Accounting Policies,” to the Company's 2018 Annual Report on Form 10-K for additional information.

See accompanying Notes to Consolidated Financial Statements (unaudited).

SunTrust Banks, Inc. Consolidated Statements of Cash Flows

	Nine Months Ended September 30
(Dollars in millions) (Unaudited)	2019			2018
Cash Flows from Operating Activities:
Net income including income attributable to noncontrolling interest		$1,898			$2,124
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation, amortization, and accretion	518			535
Origination of servicing rights	(251		)	(260		)
Provisions for credit losses and foreclosed property	418			130
Stock-based compensation	112			118
Net securities losses/(gains)	38			(1		)
Net gains on sale of loans held for sale, loans, and other assets	(266		)	(83		)
Net (increase)/decrease in loans held for sale	(315		)	382
Net increase in trading assets and derivative instruments	(1,598		)	(818		)
Net increase in other assets ¹	(382		)	(1,713		)
Net (decrease)/increase in other liabilities	(166		)	478
Net cash provided by operating activities	6			892
Cash Flows from Investing Activities:
Proceeds from maturities, calls, and paydowns of securities available for sale	3,316			2,840
Proceeds from sales of securities available for sale	3,690			2,047
Purchases of securities available for sale	(5,824		)	(5,534		)
Net increase in loans and leases, including purchases ¹	(7,957		)	(4,566		)
Proceeds from sales of loans and leases	866			199
Net cash paid for servicing rights	(3		)	(73		)
Payments for bank-owned life insurance policy premiums	(1		)	(201		)
Proceeds from the settlement of bank-owned life insurance	17			8
Proceeds from the settlement of insurance claims	210			—
Capital expenditures	(261		)	(170		)
Proceeds from the sale of other real estate owned and other assets	88			148
Other investing activities	2			1
Net cash used in investing activities	(5,857		)	(5,301		)
Cash Flows from Financing Activities:
Net increase/(decrease) in total deposits	5,082			(402		)
Net (decrease)/increase in funds purchased, securities sold under agreements to repurchase, and other short-term borrowings	(1,628		)	3,159
Proceeds from issuance of long-term debt	5,992			5,111
Repayments of long-term debt	(864		)	(484		)
Repurchase of preferred stock	—			(450		)
Repurchase of common stock	(250		)	(1,160		)
Common and preferred stock dividends paid	(747		)	(664		)
Taxes paid related to net share settlement of equity awards	(52		)	(44		)
Proceeds from exercise of stock options	7			36
Net cash provided by financing activities	7,540			5,102
Net increase in cash and cash equivalents	1,689			693
Cash and cash equivalents at beginning of period	7,495			6,912
Cash and cash equivalents at end of period		$9,184			$7,605

Supplemental Disclosures:
Loans transferred from loans held for sale to loans held for investment		$17			$23
Loans transferred from loans held for investment to loans held for sale	812			449
Loans transferred from loans held for investment to other real estate owned	33			44
Non-cash impact of debt assumed by purchaser in lease sale	163			—

¹ Pursuant to the Company’s adoption of ASU 2016-02 on January 1, 2019, it began including the interest portion of lessee payments received from sales-type and direct financing leases, which totaled $106 million for the nine months ended September 30, 2019, within operating activities, with the principal portion of lessee payments remaining within investing activities. For periods prior to January 1, 2019, interest payments were not retrospectively reclassified and remain within investing activities. See Note 1, “Significant Accounting Policies,” for additional information.

See accompanying Notes to Consolidated Financial Statements (unaudited).

Notes to Consolidated Financial Statements (Unaudited)

NOTE 1 – SIGNIFICANT ACCOUNTING POLICIES

Principles of Consolidation and Basis of Presentation

The unaudited Consolidated Financial Statements included within this report have been prepared in accordance with U.S. GAAP to present interim financial statement information. Accordingly, they do not include all of the information and footnotes required by U.S. GAAP for complete, consolidated financial statements. However, in the opinion of management, all adjustments, consisting only of normal recurring adjustments that are necessary for a fair presentation of the results of operations in these financial statements, have been made.

The preparation of financial statements in conformity with U.S. GAAP requires management to make estimates and assumptions that affect the amounts reported in the Consolidated Financial Statements and accompanying Notes; actual results could vary from these estimates. Certain reclassifications have been made to prior period amounts to conform to the current period presentation. Interim Consolidated Financial Statements should be read in conjunction with the Company’s 2018 Annual Report on Form 10-K.

Changes in Significant Accounting Policies

Pursuant to the Company’s adoption of ASC Topic 842 as of January 1, 2019, the Company updated its accounting policy related to leases. See Note 10, “Leases,” for new disclosures and policy information related to the Company’s leases. There were no other significant changes to the Company’s accounting policies from those disclosed in the Company’s 2018 Annual Report on Form 10-K that could have a material effect on the Company's financial statements.

Subsequent Events

The Company evaluated events that occurred between September 30, 2019 and the date the accompanying financial statements were issued, and there were no material events, other than those already discussed in this Form 10-Q, that would require recognition in the Company’s Consolidated Financial Statements or disclosure in the accompanying Notes.

Accounting Pronouncements

The following table summarizes ASUs issued by the FASB that were adopted during the nine months ended September 30, 2019 or not yet adopted as of September 30, 2019, that could have a material effect on the Company’s financial statements:



Standard	Description	Required Date of Adoption	Effect on the Financial Statements or Other Significant Matters
Standards Adopted in 2019
ASU 2016-02, Leases (Topic 842) and subsequent related ASUs	These ASUs create and amend ASC Topic 842, Leases, which supersedes ASC Topic 840, Leases. ASC Topic 842 requires lessees to recognize right-of-use assets and associated liabilities that arise from leases, with the exception of short-term leases. These ASUs do not make significant changes to lessor accounting; however, there were certain improvements made to align lessor accounting with the lessee accounting model and ASC Topic 606, Revenue from Contracts with Customers. Furthermore, there are several new qualitative and quantitative disclosures required for lessees and lessors, including updated guidance around the presentation of certain cash receipts on the Company’s Consolidated Statements of Cash Flows.	January 1, 2019	The Company adopted these ASUs on January 1, 2019, using a modified retrospective transition approach as of the date of adoption, which resulted in the recognition of $1.2 billion and $1.3 billion in right-of-use assets and associated lease liabilities, respectively, arising from operating leases in which the Company is the lessee, on the Company's Consolidated Balance Sheets. The amount of the right-of-use assets and associated lease liabilities recorded upon adoption was based primarily on the present value of unpaid future minimum lease payments, the amount of which was based on the population of leases in effect at the date of adoption. At September 30, 2019, right-of-use assets and lease liabilities recorded on the Company’s Consolidated Balance Sheets totaled $1.1 billion and $1.2 billion, respectively. Upon adoption, the Company also recognized a cumulative effect adjustment of $31 million to increase the beginning balance of retained earnings (as of January 1, 2019) for deferred gains on sale-leaseback transactions that occurred prior to the date of adoption and for other transition provisions. These ASUs did not have a material impact on the timing of expense or income recognition in the Company’s Consolidated Statements of Income. Furthermore, effective January 1, 2019, the Company prospectively changed its presentation of certain cash receipts related to sales-type and direct financing leases in which it is the lessor on its Consolidated Statements of Cash Flows. Specifically, the Company began including on its Consolidated Statements of Cash Flows the interest portion of lessee payments received from sales-type and direct financing leases within operating activities, with the principal portion remaining within investing activities. For periods prior to the date of adoption, interest payments were not retrospectively reclassified and remain within investing activities. For the three and nine months ended September 30, 2019, the Company included $36 million and $106 million, respectively, of interest payments received from these sales-type and direct financing leases within operating activities on its Consolidated Statements of Cash Flows. For additional information and required disclosures related to ASC 842, see Note 10, “Leases.”

Notes to Consolidated Financial Statements (Unaudited), continued



Standard	Description	Required Date of Adoption	Effect on the Financial Statements or Other Significant Matters
Standards Not Yet Adopted
ASU 2016-13, Measurement of Credit Losses on Financial Instruments (Topic 326) and subsequent related ASUs	These ASUs create and amend ASC Topic 326, Financial Instruments - Credit Losses, which replaces the incurred loss impairment methodology with a current expected credit loss methodology for financial instruments measured at amortized cost and other commitments to extend credit. For this purpose, expected credit losses reflect losses over the remaining contractual life of an asset, considering the effect of voluntary prepayments and considering available information about the collectability of cash flows, including information about past events, current conditions, and reasonable and supportable forecasts. The resulting allowance for credit losses is deducted from the amortized cost basis of the financial assets to reflect the net amount expected to be collected on the financial assets. Additional quantitative and qualitative disclosures are required upon adoption. The change to the allowance for credit losses at the time of the adoption will be made with a cumulative effect adjustment to retained earnings. Although the current expected credit loss methodology does not apply to AFS debt securities, these ASUs do require entities to record an allowance when recognizing credit losses for AFS securities, rather than recording a direct write-down of the carrying amount.	January 1, 2020	The Company formed a cross-functional team to oversee the implementation of these ASUs. A detailed implementation plan was developed and progress is substantially complete in regards to the identification and staging of data, development and validation of models, refinement of economic forecasting processes, and documentation of accounting policy decisions. Additionally, a new credit loss forecasting process was implemented in the first half of 2019, resulting in modifications to the Company’s associated internal control environment that will be effective upon adoption of these ASUs. In the first half of 2019, the Company performed testing in which methodologies, processes, and internal controls were evaluated and refined. The Company performed a full parallel run of the new methodology in the third quarter of 2019 and will perform another full parallel run in the fourth quarter of 2019. The parallel runs include execution of internal controls, supporting analytics, reserve estimation, process and procedure documentation, and subject matter expert reviews. The Company continues to refine its processes and methodology based on the results of these exercises. The Company plans to adopt these ASUs on January 1, 2020, and it continues to evaluate the impact that these ASUs will have on its Consolidated Financial Statements and related disclosures. The Company anticipates that an increase to the allowance for credit losses will be recognized upon adoption to provide for the expected credit losses over the estimated life of the financial assets. The actual magnitude of the increase will depend on existing and forecasted economic conditions and trends in the Company’s portfolio at the time of adoption. The Company is also evaluating the anticipated impact that the Merger will have on its estimated impact of adopting these ASUs on its Consolidated Financial Statements.
ASU 2017-04, Intangibles - Goodwill and Other (Topic 350): Simplifying the Test for Goodwill Impairment	This ASU amends ASC Topic 350, Intangibles - Goodwill and Other, to simplify the subsequent measurement of goodwill, by eliminating Step 2 from the goodwill impairment test. The amendments require an entity to perform its annual, or interim, goodwill impairment test by comparing the fair value of a reporting unit with its carrying amount. This ASU requires an entity to recognize an impairment charge for the amount by which a reporting unit's carrying amount exceeds its fair value, with the loss limited to the total amount of goodwill allocated to that reporting unit. The ASU must be applied on a prospective basis.	January 1, 2020	Based on the Company’s most recent qualitative goodwill impairment assessment performed in the third quarter of 2019, there were no reporting units for which it was more-likely-than-not that the carrying amount of a reporting unit exceeded its respective fair value; therefore, this ASU would not currently have an impact on the Company’s Consolidated Financial Statements or related disclosures. However, if subsequent to adoption, the carrying amount of a reporting unit exceeds its respective fair value, the Company would be required to recognize an impairment charge for the amount that the carrying value exceeds the fair value.
ASU 2018-15, Intangibles - Goodwill and Other - Internal-Use Software (Subtopic 350-40): Customer’s Accounting for Implementation Costs Incurred in a Cloud Computing Arrangement That Is a Service Contract	This ASU amends ASC Subtopic 350-40, Intangibles - Goodwill and Other - Internal-Use Software, to align the requirements for capitalizing implementation costs incurred in a hosting arrangement that is a service contract with the requirements for capitalizing implementation costs incurred to develop or obtain internal-use software (and hosting arrangements that include an internal-use software license). The Company may apply this ASU either retrospectively, or prospectively to all implementation costs incurred after the date of adoption.	January 1, 2020	The Company’s current accounting policy for capitalizing implementation costs incurred in a hosting arrangement generally aligns with the requirements of this ASU; therefore, the Company's adoption of this ASU is not expected to have a material impact on the Company’s Consolidated Financial Statements or related disclosures.

Notes to Consolidated Financial Statements (Unaudited), continued

NOTE 2 – REVENUE RECOGNITION

The following tables reflect the Company’s noninterest income disaggregated by financial statement line item, business segment, and by the amount of each revenue stream that is in scope and out of scope of ASC Topic 606, Revenue from Contracts with Customers. Refer to Note 1, “Significant Accounting Policies,” and Note 2, “Revenue Recognition,” to

the Company's 2018 Annual Report on Form 10-K, for the Company's accounting policies for recognizing noninterest income, including the nature and timing of such revenue streams. The Company's contracts with customers generally do not contain terms that require significant judgment to determine the amount of revenue to recognize.



	Three Months Ended September 30, 2019
(Dollars in millions)	Consumer ¹		Wholesale ¹		Out of Scope ^{1, 2}		Total
Noninterest income
Service charges on deposit accounts		$112		$29		$—		$141
Other charges and fees ³	27		4		59		90
Card fees	57		24		2		83
Investment banking income	—		97		62		159
Trading income	—		—		29		29
Mortgage-related income	—		—		106		106
Trust and investment management income	77		—		1		78
Retail investment services ⁴	76		—		—		76
Insurance settlement	—		—		5		5
Commercial real estate-related income	—		—		32		32
Net securities gains/(losses)	—		—		4		4
Other noninterest income	6		—		34		40
Total noninterest income		$355		$154		$334		$843

Consumer total noninterest income and Wholesale total noninterest income exclude $124 million and $214 million of out of scope noninterest income, respectively, which are included in the business segment results presented on a management accounting basis in Note 19, "Business Segment Reporting."Out of scope total noninterest income includes these amounts and also includes ($4) million of Corporate Other noninterest income that is not subject to ASC Topic 606.


²	The Company presents out of scope noninterest income for the purpose of reconciling noninterest income amounts within the scope of ASC Topic 606 to noninterest income amounts presented on the Company's Consolidated Statements of Income.


³	The Company recognized an immaterial amount of insurance trailing commissions, the majority of which related to performance obligations satisfied in prior periods.


⁴	The Company recognized $12 million of mutual fund 12b-1 fees and annuity trailing commissions, the majority of which related to performance obligations satisfied in prior periods.



	Three Months Ended September 30, 2018
(Dollars in millions)	Consumer ¹		Wholesale ¹		Out of Scope ^{1, 2}		Total
Noninterest income
Service charges on deposit accounts		$111		$33		$—		$144
Other charges and fees ³	28		3		58		89
Card fees	49		26		—		75
Investment banking income	—		101		49		150
Trading income	—		—		42		42
Mortgage-related income	—		—		83		83
Trust and investment management income	79		—		1		80
Retail investment services ⁴	73		—		1		74
Insurance settlement	—		—		—		—
Commercial real estate-related income	—		—		24		24
Net securities gains/(losses)	—		—		—		—
Other noninterest income	5		—		16		21
Total noninterest income		$345		$163		$274		$782

Consumer total noninterest income and Wholesale total noninterest income exclude $99 million and $205 million of out of scope noninterest income, respectively, which are included in the business segment results presented on a management accounting basis in Note 19, "Business Segment Reporting." Out of scope total noninterest income includes these amounts and also includes ($30) million of Corporate Other noninterest income that is not subject to ASC Topic 606.


²	The Company presents out of scope noninterest income for the purpose of reconciling noninterest income amounts within the scope of ASC Topic 606 to noninterest income amounts presented on the Company's Consolidated Statements of Income.


³	The Company recognized an immaterial amount of insurance trailing commissions, the majority of which related to performance obligations satisfied in prior periods.


⁴	The Company recognized $12 million of mutual fund 12b-1 fees and annuity trailing commissions, the majority of which related to performance obligations satisfied in prior periods.

Notes to Consolidated Financial Statements (Unaudited), continued



	Nine Months Ended September 30, 2019
(Dollars in millions)	Consumer ¹		Wholesale ¹		Out of Scope ^{1, 2}			Total
Noninterest income
Service charges on deposit accounts		$324		$93		$—			$417
Other charges and fees ³	82		12		171			265
Card fees	168		75		4			247
Investment banking income	—		261		170			431
Trading income	—		—		144			144
Mortgage-related income	—		—		294			294
Trust and investment management income	220		—		2			222
Retail investment services ⁴	218		1		1			220
Insurance settlement	—		—		210			210
Commercial real estate-related income	—		—		106			106
Net securities gains/(losses)	—		—		(38		)	(38		)
Other noninterest income	17		—		118			135
Total noninterest income		$1,029		$442		$1,182			$2,653

Consumer total noninterest income and Wholesale total noninterest income exclude $386 million and $695 million of out of scope noninterest income, respectively, which are included in the business segment results presented on a management accounting basis in Note 19, "Business Segment Reporting." Out of scope total noninterest income includes these amounts and also includes $101 million of Corporate Other noninterest income that is not subject to ASC Topic 606.


²	The Company presents out of scope noninterest income for the purpose of reconciling noninterest income amounts within the scope of ASC Topic 606 to noninterest income amounts presented on the Company's Consolidated Statements of Income.


³	The Company recognized an immaterial amount of insurance trailing commissions, the majority of which related to performance obligations satisfied in prior periods.


⁴	The Company recognized $31 million of mutual fund 12b-1 fees and annuity trailing commissions, the majority of which related to performance obligations satisfied in prior periods.



	Nine Months Ended September 30, 2018
(Dollars in millions)	Consumer ¹		Wholesale ¹		Out of Scope ^{1, 2}		Total
Noninterest income
Service charges on deposit accounts		$330		$103		$—		$433
Other charges and fees ³	85		8		171		264
Card fees	160		78		3		241
Investment banking income	—		287		166		453
Trading income	—		—		137		137
Mortgage-related income	—		—		256		256
Trust and investment management income	228		—		2		230
Retail investment services ⁴	216		2		1		219
Insurance settlement	—		—		—		—
Commercial real estate-related income	—		—		66		66
Net securities gains/(losses)	—		—		1		1
Other noninterest income	17		—		91		108
Total noninterest income		$1,036		$478		$894		$2,408

Consumer total noninterest income and Wholesale total noninterest income exclude $311 million and $618 million of out of scope noninterest income, respectively, which are included in the business segment results presented on a management accounting basis in Note 19, "Business Segment Reporting." Out of scope total noninterest income includes these amounts and also includes ($35) million of Corporate Other noninterest income that is not subject to ASC Topic 606.


²	The Company presents out of scope noninterest income for the purpose of reconciling noninterest income amounts within the scope of ASC Topic 606 to noninterest income amounts presented on the Company's Consolidated Statements of Income.


³	The Company recognized an immaterial amount of insurance trailing commissions, the majority of which related to performance obligations satisfied in prior periods.


⁴	The Company recognized $38 million of mutual fund 12b-1 fees and annuity trailing commissions, the majority of which related to performance obligations satisfied in prior periods.

Notes to Consolidated Financial Statements (Unaudited), continued

NOTE 3 - FEDERAL FUNDS SOLD AND SECURITIES FINANCING ACTIVITIES

Federal Funds Sold and Securities Borrowed or Purchased Under Agreements to Resell

Fed Funds sold and securities borrowed or purchased under agreements to resell were as follows:



(Dollars in millions)	September 30, 2019		December 31, 2018
Fed funds sold		$5		$42
Securities borrowed	491		394
Securities purchased under agreements to resell	818		1,243
Total Fed funds sold and securities borrowed or purchased under agreements to resell		$1,314		$1,679

Securities purchased under agreements to resell are primarily collateralized by U.S. government or agency securities and are carried at the amounts at which the securities will be subsequently resold, plus accrued interest. Securities borrowed are primarily collateralized by corporate securities. The Company borrows securities and purchases securities under agreements to resell as part of its securities financing activities. On the acquisition date of these securities, the Company and the

related counterparty agree on the amount of collateral required to secure the principal amount loaned under these arrangements. The Company monitors collateral values daily and calls for additional collateral to be provided as warranted under the respective agreements. At September 30, 2019 and December 31, 2018, the total market value of collateral held was $1.3 billion and $1.6 billion, of which $72 million and $108 million was repledged, respectively.

Securities Sold Under Agreements to Repurchase

Securities sold under agreements to repurchase are accounted for as secured borrowings. The following table presents the Company’s related activity, by collateral type and remaining contractual maturity:



	September 30, 2019						December 31, 2018
(Dollars in millions)	Overnight and Continuous		Up to 30 days		Total		Overnight and Continuous		Up to 30 days		30-90 days		Total
U.S. Treasury securities		$89		$—		$89		$197		$7		$—		$204
Federal agency securities	95		9		104		112		10		—		122
MBS - agency residential	1,031		143		1,174		881		35		—		916
CP	74		—		74		78		—		—		78
Corporate and other debt securities	196		192		388		216		158		80		454
Total securities sold under agreements to repurchase		$1,485		$344		$1,829		$1,484		$210		$80		$1,774

For securities sold under agreements to repurchase, the Company would be obligated to provide additional collateral in the event of a significant decline in fair value of the collateral pledged. This risk is managed by monitoring the liquidity and credit quality of the collateral, as well as the maturity profile of the transactions.

Netting of Securities - Repurchase and Resell Agreements

The Company has various financial assets and financial liabilities that are subject to enforceable master netting agreements or similar agreements. The Company's derivatives that are subject to enforceable master netting agreements or similar agreements are discussed in Note 16, “Derivative Financial Instruments.”

The following table presents the Company's securities borrowed or purchased under agreements to resell and securities sold under agreements to repurchase that are subject to MRAs. Generally, MRAs require collateral to exceed the asset or liability recognized on the balance sheet. Transactions subject to these agreements are treated as collateralized financings, and those with a single counterparty are permitted to be presented net on the Company's Consolidated Balance Sheets, provided certain criteria are met that permit balance sheet netting. At September 30, 2019 and December 31, 2018, there were no such transactions subject to legally enforceable MRAs that were eligible for balance sheet netting. The following table includes the amount of collateral pledged or received related to exposures subject to enforceable MRAs. While these agreements are typically over-collateralized, the amount of collateral presented in this table is limited to the amount of the related recognized asset or liability for each counterparty.

Notes to Consolidated Financial Statements (Unaudited), continued

(Dollars in millions)

Gross

Amount

Offset

Net Amount

Presented in

Consolidated

Balance Sheets

Held/Pledged Financial

Instruments

Net

Amount

September 30, 2019

Financial assets:

Securities borrowed or purchased under agreements to resell

$1,309

$—

$1,309

$1,293

$16

SUNTRUST BANKS INC 10-Q