Exhibit 99.4
Deposits– ASignificant
ContributortoBB&T’s Success
Agenda
Managing Deposits as a Line of Business
2008 Financial Crisis Timeline
Deposit Highlights for 2008
Key Initiatives for 2009
2
Managing Depositsas a Line ofBusiness
3
Mission
To drive coredeposit growthwhilebalancing
4
Deposit Services
Achieve balanced performancewithin thecontextofliquidity, balancesheetgrowthandmarket conditions.
5
Deposit Services
% ofAverage Noninterest Bearingas a % of TotalAverage Deposits
2008
| | |
| National Peers consist of CMA, FITB, HBAN, KEY, M&T, | |
| |
| M&I, PNC, BPOP, RF, STI, USB and Zions | Source: Earnings Releases |
| | | Restated for Acquisitions |
6
Deposit Services
Achieve balanced performancewithin thecontextofliquidity, balancesheetgrowthandmarket conditions.
7
Deposit Services
Achieve balanced performancewithin thecontextofliquidity, balancesheetgrowthandmarket conditions.
8
2008FinancialCrisisTimeline
2008FinancialCrisisTimeline
10
2008FinancialCrisisTimeline
Deposit Highlights
for 2008
12
Deposit Services
Experienced accelerated growth in deposits inthe second half of the year including stronggrowth in transaction and money market accountbalances
Grew net new transaction accounts by 94,012 accounts
Dramatically improved our cross-sell ratios in 2008 ataccount opening and for existing clients
Aggressively managed deposit costs in response to rapidlyfalling interest rates
Demonstrated strong service charge growth in 2008
13
Deposit Services
TotalAverage Deposits
($ inmillions)
Source: Earnings Releaseasreported
14
Deposit Services
TotalAverage Transaction, Savings&Money Market Accounts
($ inmillions)
Source: Earnings Releaseasreported
15
Deposit Services
Deposit Growth
PeerComparison
2007 vs. 2008 YTD
NationalPeersconsistof CMA, FITB,HBAN,KEY, M&T,
M&I, PNC, BPOP, RF, STI, USB and Zions
Source: Earnings Release
RestatedforAcquisitions
16
Deposit Services
Experienced accelerated growth in deposits in the secondhalf of the year including strong growth in transactionand money market account balances
Grew net new transaction accounts by 94,012accounts
Dramatically improved our cross-sell ratios in 2008 ataccount opening and for existing clients
Aggressively managed deposit costs in response torapidly falling interest rates
Demonstrated strong service charge growth in 2008
17
Deposit Services
Net NewChecking Accounts
18
Deposit Services
Experienced accelerated growth in deposits in the secondhalf of the year including strong growth in transactionand money market account balances
Grew net new transaction accounts by 94,012 accounts
Dramatically improved our cross-sell ratios in2008 at account opening and for existing clients
Aggressively managed deposit costs in response torapidly falling interest rates
Demonstrated strong service charge growth in 2008
19
“Bundle” Results
| | | | | | |
| | 2007 | | 2008 | | % Improvement | |
| | (Before Implementation) | | (Year End) | | | |
| New Retail DDA + 3 or | 25.3% | | 41.1% | | 15.6% | |
| more services | | | | | | |
| households (1-30 days) | | | | | | |
| New Business DDA + 3 | 4.8% | | 12.9% | | 8.1% | |
| or more services | | | | | | |
| households (1-60 days) | | | | | | |
20
Deposit Households (Network Assigned)
* Total LostHouseholds(Nov ’07 to Nov ’08)consideredonly from thebaseline populationas of Nov, 2007 – this is a moretraditional measureofattritionthat also tends to report lowerattritionrates since theattritionon new clients is notconsideredand new clients attrite at a higher rate than olderclients.Thismethodischosenherebecausetheindustrytends to reportattritionthis way so it is morecomparableto peers.
21
Deposit Services
Experienced accelerated growth in deposits in the secondhalf of the year including strong growth in transaction andmoney market account balances
Grew net new transaction accounts by 94,012 accounts
Dramatically improved our cross-sell ratios in 2008 ataccount opening and for existing clients
Aggressively managed deposit costs in responseto rapidly falling interest rates
Demonstrated strong service charge growth in 2008
22
Deposit Services
Cost ofInterest Bearing Depositsfor 2008
23
Deposit Services
Cost ofInterest Bearing DepositsPeerComparison
NationalPeersconsistof CMA, FITB,HBAN,KEY, M&T,
M&I, PNC, BPOP, RF, STI, USB and Zions
Source:Earnings Release
24
Deposit Services
Experienced accelerated growth in deposits in the secondhalf of the year including strong growth in transaction andmoney market account balances
Grew net new transaction accounts by 94,012 accounts
Dramatically improved our cross-sell ratios in 2008 ataccount opening and for existing clients
Aggressively managed deposit costs in response to rapidlyfalling interest rates
Demonstrated strong service charge growth in2008
25
Deposit Services
Service ChargesonDeposits
($ inmillions)
Source: Earnings Release
RestatedforAcquisitions
26
Deposit Services
Service Charges
PeerComparison
2007 vs. 2008 YTD
NationalPeersconsistof CMA, FITB,HBAN,KEY, M&T,
M&I, PNC, BPOP, RF, STI, USB and Zions
Source: Earnings Releases
RestatedforAcquisitions
27
2009 KeyInitiatives
28
2009InitiativestoObtain Balanced Performance
29
