SunTrust Banks, Inc. http://www.alacrastore.com/company-snapshot/SunTrust_Banks_Inc-1016115 Friday, July 25, 2008 11:28:25 PM 1016115 SunTrust Banks, Inc. en AlacraStore RSS Builder 1.0 30 http://www.alacrastore.com/storecontent/newstex/MCOM-0004-26864985newstex/MCOM-0004-26864985xml Jul. ##, #### (M# Communications Ltd. delivered by Newstex) -- SunTrust Banks Inc (NYSE:STI), the holding company for SunTrust Bank which provides various financial services, reported on ## July its financial results for the second...04000000040160000401604804016001040160187/23/2008 12:09:45 PM180000001800400018008000M2 EquityBitesMCOM-0004-26864985SUNTRUST BANKS INCSUNTRUST CAPITAL V 7.05% TRUPSSTISTI PRVNewsNewstexhttp://www.alacrastore.com/storecontent/ccbn/B1880702ccbn/B1880702norm...Tier # capital level improved substantially due to the completion of Coca Cola stock transactions during #Q## and in July. ... 7/22/2008 11:12:21 PMSunTrust106.0000EditedQ2 2008 SunTrust Earnings Conference Call SummarySTI8:00am ETBriefB1880702Credit & Investment ResearchThomson Street Eventshttp://www.alacrastore.com/storecontent/spcred/660970spcred/660970normThe latest News from S&Pglobalstructuredpubfin7/22/2008 6:29:07 PM100News660970United StatesRegional BanksUnited StatesGlobal IssuersStructured FinancePublic FinanceFinancial InstitutionsCorporationsAsset-Backed Commercial PaperConsumer ProductsNewsNEW YORK (Standard&Poor's) July 22, 2008--Standard&Poor's Ratings Services said today that SunTrust Banks Inc.'s (A+/Negative/A-1) three-part transaction to dispose of its 43.6 million shares of common stock of the Coca-Cola Co. has no immediate impact on the ratings. Specifically, SunTrust sold 10 million shares in the second quarter for a $549 million pretax gain, entered into a forward sales contract to deliver 30 million shares in seven years, and donated 3.6 million shares to the company's charitable foundation. The forward sales contract generated $1.16 billion of cash proceeds and receives immediate Tier 1 capital treatment from the Federal Reserve. We will include the $728 million Tier 1 capital treatment from the forward sales contract as partUSA8678T28678T38678T686791440101015 401010 4010 40SunTrust Banks Inc.106225USASTINEWSUSA19121619121A19121B19121C19121D19121E19121F30201030 302010 3020 30Coca-Cola Co. (The)100511EMERGINGLATAMERICAUSAKOGLOBISSSTRUCPUBFINFICORPABCPConsumerCredit & Investment ResearchS&P Credit Researchhttp://www.alacrastore.com/storecontent/cs/71995cs/71995norm SunTrust: #Q## Beats - Cashing in on Coca-Cola SunTrust beat consensus estimates Several transactions to monetize Coke stake completed Credit quality weaker as residential real estate drives NPAs Dividend level maintained Tier #...719952796YesD0Article330corp4233Capital Structure67Earnings Reports - Financials7/22/2008 4:11:43 PM150SunTrust Banks reported EPS beat consensus. Negative drivers were weaker credit quality, and more securities write-downs. Capital plans include boost from Coca-Cola stake.71995Credit & Investment ResearchCreditSightshttp://www.alacrastore.com/storecontent/ccbn/T1880702ccbn/T1880702norm...Welcome to the SunTrust second quarter earnings conference call. All participants have been placed on a listen only mode until the question and answer session. (OPERATOR INSTRUCTIONS) Today's call is being recorded. If you have any objections you may disconnect at this time. I'd now like to turn the call over to Mr. Steve Shriner, Director of Investor Relations. Sir, you may begin.... 7/22/2008 10:14:00 AMSunTrust106.0000FinalQ2 2008 SunTrust Earnings Conference Call TranscriptSTI8:00am ETTranscriptT1880702Credit & Investment ResearchThomson Street Eventshttp://www.alacrastore.com/storecontent/newstex/PRN-0005-26827776newstex/PRN-0005-26827776xml Jul. ##, #### (PR Newswire delivered by Newstex) -- SunTrust Banks, Inc. and Subsidiaries FINANCIAL HIGHLIGHTS (Dollars in millions, except per share data) (Unaudited) Three Months Ended June ## % #### ####...040000000401600004016047040160480401600304016018040160190401600104006000040060027/22/2008 7:08:33 AM180000001801200018004000180080001802300018013000PR Newswire USPRN-0005-26827776SUNTRUST BANKS INCSUNTRUST CAPITAL V 7.05% TRUPSSTISTI PRVNewsNewstexhttp://www.alacrastore.com/storecontent/newstex/PRN-0005-26827780newstex/PRN-0005-26827780xml Jul. ##, #### (PR Newswire delivered by Newstex) -- SunTrust Banks, Inc. and Subsidiaries FIVE QUARTER OTHER FINANCIAL DATA (Dollars in thousands) (Unaudited) Three Months Ended June ## March ## Increase/(Decrease) ####...040000000400400004004003040090000400900304016000040160057/22/2008 7:08:33 AM1800000018016000190000001900100019001031PR Newswire USPRN-0005-26827780SUNTRUST BANKS INCSUNTRUST CAPITAL V 7.05% TRUPSSTISTI PRVNewsNewstexhttp://www.alacrastore.com/storecontent/newstex/PRN-0005-26827789newstex/PRN-0005-26827789xml ATLANTA, Jul. ##, #### (PRNewswire-FirstCall delivered by Newstex) -- SunTrust Banks, Inc. (NYSE: STI) today reported net income available to common shareholders of $###.# million for the second quarter of ####, or $#.## per average...140000001400200004000000040160000401604804016018040160010401604704016019040160030401600504004000040040030400900004009003040130000401300604006000040060060400600104007000040070087/22/2008 7:08:33 AM1800000018004000180080001801200018001000180230001801300018016000PR Newswire USPRN-0005-26827789COCA COLA COSUNTRUST BANKS INCSUNTRUST CAPITAL V 7.05% TRUPSJAMES M WELLSKOSTISTI PRVNewsNewstexhttp://www.alacrastore.com/storecontent/newstex/BW-0001-26758813newstex/BW-0001-26758813xml Jul. ##, #### (Business Wire) -- Pinnacle Financial Partners Inc. (Nasdaq/NGS: PNFP) today reported that it had entered into an agreement to sell one million shares of its authorized but unissued common stock via a private placement...04000000040060000400600204006004040040000400400304016000040160057/18/2008 9:06:10 AM1800000018016000190000001900100019001042Business WireBW-0001-26758813PINNACLE FINANCIAL PARTNERS INCPRICE T ROWE GROUP INCSUNTRUST BANKS INCSUNTRUST CAPITAL V 7.05% TRUPSPNFPSTISTI PRVTROWNewsNewstexhttp://www.alacrastore.com/storecontent/spcred/658221spcred/658221normThe latest Summary from S&Pglobalstructuredpubfin7/7/2008 3:48:28 PM175Summary658221United StatesRegional BanksUnited StatesGlobal IssuersStructured FinancePublic FinanceFinancial InstitutionsAsset-Backed Commercial PaperSummaryThe ratings on SunTrust Banks Inc. reflect a well-established banking franchise across the southeast and a diversified revenue stream from traditional banking and nonbanking businesses. SunTrust has a long history of conservative management and excellent asset quality, but it no longer stands apart from the pack. Its financial risk profile and operating performance have become indistinguishable from those of other large regional banks. SunTrust had a history of excellent asset quality but has seen a material rise in nonperforming assets (NPAs) and net charge-offs (NCOs) during the past 12 months. So far, the bulk of the asset quality deterioration has been contained within Alt-A residential mortgages and high loan-to-value (LTV) home equity loans. SunTrust has addressed the material deterioration inUSA8678T28678T38678T686791440101015 401010 4010 40SunTrust Banks Inc.106225USASTISUMMARYGLOBISSSTRUCPUBFINFIABCPCredit & Investment ResearchS&P Credit Researchhttp://www.alacrastore.com/storecontent/spcred/658219spcred/658219normThe latest Full Report from S&Pglobalstructuredpubfin7/7/2008 3:48:00 PM400Full Report658219United StatesRegional BanksUnited StatesGlobal IssuersStructured FinancePublic FinanceFinancial InstitutionsAsset-Backed SecuritiesCollateralized Debt ObligationsAsset-Backed Commercial PaperCommercial MBSFull ReportWell-established banking franchise in attractive southeast markets; Well-balanced and diversified noninterest revenue stream derived from both banking and fee-based businesses; and Good core deposit funding gathered from extensive branch network, and wholesale funding needs are well managed. Asset quality problems in Alt-A residential mortgage and home equity line portfolios; Expectation for further deterioration in the commercial real estate loan portfolio, especially projects in Florida; Profitability under pressure because of high provisions for loan losses and renewed compression on net interest margin; and Brought SIVs and other illiquid securities onto the balance sheet to support several administered/managed off-balance-sheet investment funds. The ratings on SunTrust Banks Inc. reflect a well-established banking franchise across the southeast and a diversified revenue stream from traditionalUSA8678T28678T38678T686791440101015 401010 4010 40SunTrust Banks Inc.106225USASTIFULLUSA22609A86787E86787G86787X86788586788L86789N86789V8678P586791486800XG2632Y40101015 401010 4010 40SunTrust BankCrestar Capital Trust ISunTrust Capital ISunTrust Capital IIISunTrust Capital VSunTrust Cap VIIISunTrust Cap IXSunTrust Pfd Cap I405777321058315083405776357663106045309968407387USA3906Z10319Z10315Z10363Z61200ZGLOBISSSTRUCPUBFINFIABSCDOABCPCMBSCredit & Investment ResearchS&P Credit Researchhttp://www.alacrastore.com/storecontent/newstex/PRN-0005-26074185newstex/PRN-0005-26074185xml ATLANTA, Jun. ##, #### (PRNewswire-FirstCall delivered by Newstex) -- SunTrust Banks, Inc. (NYSE: STI) announced today that it plans to release second quarter #### results prior to the market opening on Tuesday, July ##, ####.SunTrust...040000000401600004016018040160480401600104006000040060026/18/2008 2:07:09 PM180000001800400018008000PR Newswire USPRN-0005-26074185SUNTRUST BANKS INCSUNTRUST CAPITAL V 7.05% TRUPSSTISTI PRVNewsNewstexhttp://www.alacrastore.com/storecontent/fitch/390210_report_framefitch/390210_report_framepdfFitch Ratings is a leading global rating agency committed to providing the world's credit markets with independent, timely and prospective credit opinions. Built on a foundation of organic growth and strategic acquisitions, Fitch Ratings has grown rapidly during the past decade gaining market presence throughout the world and across all fixed income markets.Bank of America CorporationBB&T CorporationCapital One Financial CorporationCitigroup Inc.Countrywide Financial CorporationFifth Third BancorpHuntington Bancshares Inc.JPMorgan Chase & CoKeyCorpM & T Bank CorporationMarshall & Ilsley CorporationNational City CorporationNew York Community BancorpNorthern Trust CorporationPNC Financial Services Group Inc.Popular, Inc.Regions Financial CorporationSovereign Bancorp, Inc.SunTrust Banks, Inc.Synovus Financial CorporationThe Bank of New York Mellon CorporationU.S. BancorpUnionBanCal CorporationWachovia CorporationWashington Mutual, Inc.Zions Bancorporation80088933800889778008898580088993800890228008903080089031800891348008924580089293800893388008946380089477800895728008962280089636800897188008988380090328800903338009034780090388800904158009047180090727800910218009209980417179865385126/17/2008 6:22:00 PM0101010001010200010102010101020204040000275Special ReportBACBBTBKBPOPCCOFFITBHBANJPMKEYMIMTBNCCNTRSNYBPNCRFSNVSOVSTIUBUSBWBWMZION390210_report_frameCredit & Investment ResearchFitchResearchhttp://www.alacrastore.com/storecontent/cs/70425cs/70425norm SunTrust #Q## Tearsheet SunTrust's ratings trends are negative, with a negative outlook from both Moody's and S&P. Moody's said that SunTrust's could be downgraded "if it fails to raise sufficient capital to absorb potential losses...70425562YesC21Tearsheet330tearsheets/premium426/9/2008 10:10:52 PM15070425Credit & Investment ResearchCreditSightshttp://www.alacrastore.com/storecontent/cs/56099cs/56099norm U.S. Banks: #Q## ALM Update - Rate Sensitivity to the Rescue? We update our quarterly report on ALM and NIM trends Rate sensitivity swings positive in #Q##, as banks show better ability to manage NIM in the flattish to inverted yield...560994728YesD0Article349113234823735335241535183833034140333423841934314341125342corp304262Asset/Liability Management33Capital Structure5/23/2008 12:11:28 PM150We update our ongoing series of reports which highlight the asset-liability management (ALM) challenge for U.S. banks in the flattish yield curve environment for 1Q07. Better rate sensitivity limits the damage on NIMs, but volumes lower.56099Credit & Investment ResearchCreditSightshttp://www.alacrastore.com/storecontent/ccbn/T1846096ccbn/T1846096norm... - UBS - AnalystAll right. We're going to get started. Next up is SunTrust, which is in the midst of several large initiatives aimed at boosting efficiency and risk-adjusted returns. The tough macro environment has made it a little difficult to determine how much progress has been made on some of these initiatives, but if SunTrust is successful in these efforts, there could be a lot of upside to earnings in the stock when the cycle eventually turns. With us today to tell us more about this is Jim Wells, Chairman and CEO. ... 5/22/2008 1:10:00 PMSunTrust54.0000FinalSunTrust at UBS Global Financial Services Conference TranscriptSTI10:25am ETTranscriptT1846096Credit & Investment ResearchThomson Street Eventshttp://www.alacrastore.com/storecontent/cs/69446cs/69446norm U.S. Financials: Mid-Quarter Conference Updates We review the takeaways from the UBS Financial Services Conference Cautious comments on economic outlook from large banks, whether or not the economy is technically in a recession Credit...694461653YesD0Article352330353415339237343238334corp42305/19/2008 1:10:38 AM150We review our takeaways from the UBS Financial Services conference on the economy, credit quality, capital, fee income, margin, and efficiency.69446Credit & Investment ResearchCreditSightshttp://www.alacrastore.com/storecontent/fitch/386334_report_framefitch/386334_report_framepdfFitch Ratings is a leading global rating agency committed to providing the world's credit markets with independent, timely and prospective credit opinions. Built on a foundation of organic growth and strategic acquisitions, Fitch Ratings has grown rapidly during the past decade gaining market presence throughout the world and across all fixed income markets.Bank of America CorporationBB&T CorporationCapital One Financial CorporationComerica Inc.Countrywide Financial CorporationFifth Third BancorpFirst Horizon National Corp.Huntington Bancshares Inc.JPMorgan Chase & CoKeyCorpM & T Bank CorporationMarshall & Ilsley CorporationNational City CorporationNew York Community BancorpNorthern Trust CorporationPNC Financial Services Group Inc.Popular, Inc.Regions Financial CorporationSovereign Bancorp, Inc.State Street CorporationSunTrust Banks, Inc.Synovus Financial CorporationThe Bank of New York Mellon CorporationU.S. BancorpUnionBanCal CorporationWachovia CorporationWashington Mutual, Inc.Wells Fargo & CompanyZions Bancorporation8008892380088930800889338008897780088985800889938008900380089022800890308008903180089134800892458008929380089338800894638008947780089572800896368008971780089718800898838009032880090333800903478009038880090415800904718009072780091021804171795/14/2008 2:05:00 PM01010100010102000101020101010202275Special ReportBACBBTBKBPOPCFCCMACOFFHNFITBHBANJPMKEYMIMTBNCCNTRSNYBPNCRFSNVSOVSTISTTUBUSBWBWFCWMZION386334_report_frameCredit & Investment ResearchFitchResearchhttp://www.alacrastore.com/storecontent/newstex/PRN-0005-25267966newstex/PRN-0005-25267966xml ATLANTA, May ##, May ##, #### (PR Newswire delivered by Newstex) -- ATLANTA, May ## /PRNewswire-FirstCall/ -- As a result of its ongoing commitment to address the challenges business owners face by delivering innovative and practical...020000000200100002001011020010030200200002002006020020040400000004006000040060025/14/2008 12:07:09 PM18000000180060001801400018020000PR Newswire USPRN-0005-25267966SUNTRUST BANKS INCSUNTRUST CAPITAL V 7.05% TRUPSSTISTI PRVNewsNewstexhttp://www.alacrastore.com/storecontent/cs/41165cs/41165norm SunTrust: Investor Day - Trying to Shake Off Conservative Roots SunTrust held its annual investor day in New York and raised its goal of #-##% EPS growth (from #%-##%) Hybrid issuance likely, possible fuel for buybacks as SunTrust...411652838YesD0Article330corp4233Capital Structure5/14/2008 11:12:18 AM150SunTrust held its annual investor day. The company raised its long-term EPS growth target slightly and updated its outlook for 2006. SunTrust is positioning itself as a mid-tier player and focused on cross-sell.41165Credit & Investment ResearchCreditSights