Regulatory and Other Disclosures

In keeping with corporate policy and the requirements of domestic and international regulations, BB&T provides public access to additional disclosure information.

BB&T - SunTrust Merger of Equals Regulatory Application - Federal Reserve
BB&T - SunTrust Merger of Equals Regulatory Application - FDIC
FR Y-9C Reports

Click here for copies of BB&T's Consolidated Financial Statements for BHCs (FR Y-9C) for the last three years. 

Resolution Plan

To promote financial stability, the Dodd-Frank Wall Street Reform and Consumer Protection Act requires certain bank holding company to periodically submit to the Board of Governors of the Federal Reserve System and the Federal Deposit Insurance Corporation, a plan for that company’s rapid and orderly resolution in the event of material financial distress or failure.

Click here for BB&T's most recent 165(d) resolution plan. Click here for BB&T's most recent IDI resolution plan.

Stress Test Documents

As a large banking organization, BB&T is subject to the Comprehensive Capital Analysis and Review and is required to provide company-run stress test disclosures under the Dodd-Frank Wall Street Reform and Consumer Protection Act.

Click here for BB&T's stress test documents for the last three years.

Basel Market Risk Disclosures

BB&T is subject to revised risk‐based capital guidelines for market risk (“Basel II.5”), issued jointly by the Office of the Comptroller of the Currency, Department of the Treasury, Board of Governors of the Federal Reserve System, and Federal Deposit Insurance Corporation. Basel II.5 requires BB&T to publicly disclose certain quantitative and qualitative aspects of trading portfolios that are subject to the rule.

Click here for BB&T's market risk disclosures for the last three years.

Liquidity Coverage Ratio (LCR)

BB&T is a covered company under the modified U.S. Liquidity Coverage Ratio: Liquidity Risk Measurement Standards (the LCR Rule). The LCR Rule requires a banking organization to maintain a minimum amount of high-quality liquid assets to withstand a 30-day standardized stress scenario. A covered company is required to publicly disclose, on a quarterly basis, quantitative information about its LCR calculation and a discussion of the factors that have a significant effect on its LCR.

Click here for BB&T's LCR disclosures

Pillar 3 Disclosures

The purpose of the Pillar 3 disclosures is to provide information on banking institutions’ risk management practices and regulatory capital ratios.

Click here for BB&T's Pillar 3 disclosures for the last three years.  

BB&T's Internal 313 Certification

In accordance with the USA PATRIOT Act of 2001, Branch Banking & Trust makes a periodic certification regarding correspondent accounts established for foreign banks.

Click here for BB&T's most recent certification.