Truist Financial (TFC) 10-Q 30 Jul 15 2015 Q2 Quarterly report Financial data

Document and Entity Information

Document and Entity Information - Jun. 30, 2015 - shares	Total
Document And Entity Information [Abstract]
Document Type	10-Q
Amendment Flag	false
Document Period End Date	Jun. 30, 2015
Entity Registrant Name	BB&T CORP
Entity Central Index Key	92,230
Current Fiscal Year End Date	--12-31
Document Fiscal Year Focus	2,015
Document Fiscal Period Focus	Q2
Entity Filer Category	Large Accelerated Filer
Entity Common Stock, Shares Outstanding	733,480,586

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($) shares in Thousands, $ in Millions	Jun. 30, 2015	Dec. 31, 2014
Assets
Cash and due from banks	$ 1,607	$ 1,639
Interest-bearing deposits with banks	824	529
Federal funds sold and securities purchased under resale agreements or similar arrangements	190	157
Restricted cash	379	374
AFS securities at fair value	21,183	20,907
HTM securities (fair value of $19,455 and $20,313 at June 30, 2015 and December 31, 2014, respectively)	19,437	20,240
LHFS at fair value	2,469	1,423
Loans and leases	122,301	119,884
ALLL	(1,457)	(1,474)
Loans and leases, net of ALLL	120,844	118,410
Premises and equipment	1,900	1,827
Goodwill	7,141	6,869
Core deposit and other intangible assets	514	505
Residential MSRs at fair value	912	844
Other assets	13,617	13,110
Total assets	191,017	186,834
Deposits
Noninterest-bearing deposits	42,234	38,786
Interest-bearing deposits	90,549	90,254
Total deposits	132,783	129,040
Short-term borrowings	3,883	3,717
Long-term debt	23,271	23,312
Accounts payable and other liabilities	5,948	6,388
Total liabilities	$ 165,885	$ 162,457
Commitments and contingencies (Note 13)
Shareholders' equity
Preferred stock, $5 par, liquidation preference of $25,000 per share	$ 2,603	$ 2,603
Common stock, $5 par	3,667	3,603
Additional paid-in capital	6,667	6,517
Retained earnings	12,891	12,317
AOCI, net of deferred income taxes	(748)	(751)
Noncontrolling interests	52	88
Total shareholders' equity	25,132	24,377
Total liabilities and shareholders' equity	$ 191,017	$ 186,834
Common shares outstanding	733,481	720,698
Common shares authorized	2,000,000	2,000,000
Preferred shares outstanding	107	107
Preferred shares authorized	5,000	5,000

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parenthetical) - USD ($) $ in Millions	Jun. 30, 2015	Dec. 31, 2014
Consolidated Balance Sheets
HTM securities, fair value	$ 19,455	$ 20,313
Preferred stock, par value per share	$ 5	$ 5
Preferred stock, liquidation preference	25,000	25,000
Common stock, par value per share	$ 5	$ 5

Consolidated Statements of Inco

Consolidated Statements of Income - USD ($) shares in Thousands, $ in Millions	3 Months Ended		6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014
Interest Income
Interest and fees on loans and leases	$ 1,249	$ 1,295	$ 2,486	$ 2,590
Interest and dividends on securities	232	234	472	470
Interest on other earning assets	8	8	24	23
Total interest income	1,489	1,537	2,982	3,083
Interest Expense
Interest on deposits	55	60	110	120
Interest on short-term borrowings	1	1	2	2
Interest on long-term debt	121	133	246	271
Total interest expense	177	194	358	393
Net Interest Income	1,312	1,343	2,624	2,690
Provision for credit losses	97	74	196	134
Net Interest Income After Provision for Credit Losses	1,215	1,269	2,428	2,556
Noninterest Income
Insurance income	422	422	862	849
Service charges on deposits	154	158	299	308
Mortgage banking income	130	86	240	160
Investment banking and brokerage fees and commissions	108	92	202	180
Bankcard fees and merchant discounts	55	54	105	100
Trust and investment advisory revenues	57	55	113	109
Checkcard fees	43	42	82	80
Operating lease income	30	20	59	42
Income from bank-owned life insurance	27	25	57	52
FDIC loss share income, net	(64)	(88)	(143)	(172)
Other income	58	92	141	175
Securities gains (losses), net
Gross realized gains	2	0	2	6
Gross realized losses	0	0	0	(3)
OTTI charges	(2)	0	(2)	(23)
Non-credit portion recognized in OCI	(1)	0	(1)	22
Total securities gains (losses), net	(1)	0	(1)	2
Total noninterest income	1,019	958	2,016	1,885
Noninterest Expense
Personnel expense	864	809	1,694	1,591
Occupancy and equipment expense	166	168	333	344
Loan-related expense	37	80	75	131
Software expense	46	42	90	85
Professional services	35	34	59	67
Outside IT services	29	31	59	58
Regulatory charges	25	30	48	59
Amortization of intangibles	23	23	44	46
Foreclosed property expense	14	10	27	19
Merger-related and restructuring charges, net	25	13	38	21
Loss on early extinguishment of debt	172	0	172	0
Other expense	217	294	436	498
Total noninterest expense	1,653	1,534	3,075	2,919
Earnings
Income before income taxes	581	693	1,369	1,522
Provision for income taxes	80	216	321	472
Net income	501	477	1,048	1,050
Noncontrolling interests	10	16	32	56
Preferred stock dividends	37	37	74	74
Net income available to common shareholders	$ 454	$ 424	$ 942	$ 920
EPS
Basic	$ 0.63	$ 0.59	$ 1.30	$ 1.29
Diluted	0.62	0.58	1.29	1.27
Cash dividends declared	$ 0.27	$ 0.24	$ 0.51	$ 0.47
Weighted Average Shares Outstanding
Basic	724,880	719,080	723,268	715,978
Diluted	734,527	728,452	733,002	726,388

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income - USD ($) $ in Millions	3 Months Ended		6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014
OCI Statement
Net income	$ 501	$ 477	$ 1,048	$ 1,050
OCI, Net of Tax
Change in unrecognized net pension and postretirement costs	9	2	18	3
Change in unrecognized net gains (losses) on cash flow hedges	73	(2)	19	9
Change in unrealized net gains (losses) on AFS securities	(107)	86	(50)	165
Net change in FDIC's share of unrealized gains/losses on AFS securities	9	3	19	9
Other, net	1	5	(3)	1
Total OCI	(15)	94	3	187
Total comprehensive income	486	571	1,051	1,237
Tax Effect Of Items Included In OCI [Abstract]
Change in unrecognized net pension and postretirement costs	5	1	11	2
Change in unrecognized net gains (losses) on cash flow hedges	43	(1)	11	6
Change in unrealized net gains (losses) on AFS securities	(65)	53	(31)	98
Net change in FDIC's share of unrealized gains/losses on AFS securities	9	1	14	4
Other, net	$ 0	$ 2	$ 0	$ 1

Consolidated Statements of Chan

Consolidated Statements of Changes in Shareholders' Equity - USD ($) shares in Thousands, $ in Millions	Total	Preferred Stock	Common Stock	Additional Paid-In Capital	Retained Earnings	AOCI	Noncontrolling Interests
Beginning balance, Shares at Dec. 31, 2013			706,620
Beginning balance, Adjusted Value at Dec. 31, 2013	$ 22,780	$ 2,603	$ 3,533	$ 6,172	$ 11,015	$ (593)	$ 50
Add (Deduct):
Net income	1,050				994		56
Net change in AOCI	187					187
Stock transactions:
Issued in connection with equity awards, Shares			14,097
Issued in connection with equity awards, Values	280		$ 71	209
Shares repurchased in connection with equity awards, Shares			(2,177)
Shares repurchased in connection with equity awards, Value	(81)		$ (11)	(70)
Excess tax benefits in connection with equity awards	49			49
Issued in connection with dividend reinvestment plan, Shares			391
Issued in connection with dividend reinvestment plan, Value	15		$ 2	13
Issued in connection with 401(k) plan, Shares			653
Issued in connection with 401(k) plan, Value	25		$ 3	22
Cash dividends declared on common stock	(336)				(336)
Cash dividends declared on preferred stock	(74)				(74)
Equity-based compensation expense	56			56
Other, net	(21)						(21)
Ending balance, Shares at Jun. 30, 2014			719,584
Ending balance, Value at Jun. 30, 2014	23,930	2,603	$ 3,598	6,451	11,599	(406)	85
Beginning balance, Shares at Dec. 31, 2014			720,698
Beginning balance, Adjusted Value at Dec. 31, 2014	24,377	2,603	$ 3,603	6,517	12,317	(751)	88
Add (Deduct):
Net income	1,048				1,016		32
Net change in AOCI	3					3
Stock transactions:
Issued in business combinations, Shares			7,847
Issued in business combinations, Value	322		$ 39	283
Issued in connection with equity awards, Shares			6,249
Issued in connection with equity awards, Values	95		$ 31	64
Shares repurchased in connection with equity awards, Shares			(1,313)
Shares repurchased in connection with equity awards, Value	(51)		$ (6)	(45)
Excess tax benefits in connection with equity awards	9			9
Purchase of additional ownership of AmRisc, L.P.	(222)			(219)			(3)
Cash dividends declared on common stock	(368)				(368)
Cash dividends declared on preferred stock	(74)				(74)
Equity-based compensation expense	58			58
Other, net	(65)						(65)
Ending balance, Shares at Jun. 30, 2015			733,481
Ending balance, Value at Jun. 30, 2015	$ 25,132	$ 2,603	$ 3,667	$ 6,667	$ 12,891	$ (748)	$ 52

Consolidated Statements of Cash

Consolidated Statements of Cash Flows - USD ($) $ in Millions	6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014
Cash Flows From Operating Activities:
Net income	$ 1,048	$ 1,050
Adjustments to reconcile net income to net cash from operating activities:
Provision for credit losses	196	134
Adjustment to income tax provision	(107)	14
Depreciation	173	161
Loss on early extinguishment of debt	172	0
Amortization of intangibles	44	46
Equity-based compensation expense	58	56
(Gain) loss on securities, net	1	(2)
Net change in operating assets and liabilities:
LHFS	(1,044)	(470)
Other assets	(739)	368
Accounts payable and other liabilities	180	(559)
Other, net	64	79
Net cash from operating activities	46	877
Cash Flows From Investing Activities:
Proceeds from sales of AFS securities	754	1,172
Proceeds from maturities, calls and paydowns of AFS securities	2,708	1,921
Purchases of AFS securities	(3,486)	(1,644)
Proceeds from maturities, calls and paydowns of HTM securities	1,733	726
Purchases of HTM securities	(945)	(3,067)
Originations and purchases of loans and leases, net of principal collected	(1,704)	(4,079)
Net cash received (paid) for business combinations	1,742	1,025
Proceeds from sales of foreclosed property	105	134
Other, net	(246)	270
Net cash from investing activities	661	(3,542)
Cash Flows From Financing Activities:
Net change in deposits	277	2,883
Net change in short-term borrowings	143	(159)
Proceeds from issuance of long-term debt	1,017	2,407
Repayment of long-term debt	(1,266)	(2,040)
Cash dividends paid on common stock	(368)	(321)
Cash dividends paid on preferred stock	(74)	(74)
Other, net	(140)	252
Net cash from financing activities	(411)	2,948
Net Change in Cash and Cash Equivalents	296	283
Cash and Cash Equivalents at Beginning of Period	2,325	2,165
Cash and Cash Equivalents at End of Period	2,621	2,448
Supplemental Disclosure of Cash Flow Information:
Cash paid during the period for interest	360	397
Cash paid during the period for income taxes	440	384
Noncash investing activities:
Transfers of loans to foreclosed assets	249	$ 228
Purchase of additional ownership of AmRisc, L.P.	216
Issued in business combinations, Value	$ 322

Summary of Significant Accounti

Summary of Significant Accounting Policies	6 Months Ended
	Jun. 30, 2015
Summary of Significant Accounting Policies
Summary of Significant Accounting Policies	NOTE 1 . Basis of Presentation See the Glossary of Defined Terms at the beginning of this Report for terms used throughout the consolidated financial statements and related notes of this Form 10- Q. General These consolidated financial statements and notes are presented in accordance with the instructions for Form 10-Q and, therefore, do not include all information and notes necessary for a complete presentation of financial position, results of operations and cash flow activity required in accordance with GAAP . In the opinion of management, all normal recurring adjustments necessary for a fair statement of the consolidated financial position and consolidated results of operations have been made . The year-end consolidated balance sheet data was derived from audited financial statements but does not include all disclosures required by GAAP . The information contained in the financial statements and notes included in the Annual Report on Form 10-K for the year ended December 31, 2014 should be referred to in connection with these unaudited interim consolidated financial statements. Reclassifications C ertain amounts reported in prior periods' consolidated financial statements have been reclassified to conform to the current presentation . Such reclassifications had no effect on previously reported cash flows, shareholders' equity or net income. Use of Estimates in the Preparation of Financial Statements The preparation of financial statements in conformity with GAAP requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities as of the date of the financial statements and the reported amounts of revenues and expenses during the reporting periods . Actual results could differ from those estimates . Material estimates that are particularly susceptible to significant change include the determination of the ACL , determination of fair value for financial instruments, valuation of goodwill, intangible assets and other purchase accounting related adjustments, benefit plan obligations and expenses, and tax assets, liabilities and expens e. Changes in Accounting Principles and Effects of New Accounting Pronouncements In May 2015, the FASB issued new guidance related to Insurance . The new guidance requires insurance companies to provide additional disclosures about the liability for unpaid claims and claim adjustment expenses. This guidance is effective for annual periods beginning after December 15, 2015. BB&T's insurance operations primarily consist of agency/broker transactions ; therefore , the adoption of this guidance is not expected to be material to the consolidated financial statements. In May 2015, the FASB issued new guidance related to Fair Value Measurement . The new guidance eliminates the requirement to classify in the fair value hierarchy any investments for which fair value is measured at net asset value per share using the practical expedient. This guidance is effective for fiscal years beginning after December 15, 2015 and interim periods within those fiscal years. The adoption of this guidance is not expected to be material to the consolidated financial statements. In April 2015, the FASB issued new guidance related to Internal-Use Software . Under the new guidance, if a cloud computing arrangement includes a software license, then the customer should account for the software license element of the arrangement consistent with the acquisition of other software licenses. If a cloud computing arrangement does not include a software license, the customer should account for the arrangement as a service contract. This guidance is effective for fiscal years beginning after December 15, 2015 and interim periods within those fiscal years. The Company is currently evaluating this guidance to determine the impact on its consolidated financial statements. In April 2015, the FASB issued new guidance related to Debt Issuance Costs . The new guidance requires that debt issuance costs related to a recognized debt liability be presented in the balance sheet as a direct deduction from the carrying amount of that debt liability. This guidance is effective for fiscal years beginning after December 15, 2015 and interim periods within those fiscal years. The adoption of this guidance is not expected to be material to the consolidated financial statements. In February 2015, the FASB issued new guidance related to Consolidation . The new guidance provides an additional requirement for a limited partnership or similar entity to qualify as a voting interest entity , amending the criteria for consolidating such an entity and eliminating the deferral provided under previous guidance for investment companies. In addition, the new guidance amends the criteria for evaluating fees paid to a decision maker or service provider as a variable interest and amends the criteria for evaluating the effect of fee arrangements and related parties on a VIE primary beneficiary determination. This guidance is effective for interim and annual reporting periods b eginning after December 15, 2015. The Company is currently evaluating this guidance to determine the impact on its consolidated financial statements. In May 2014, the FASB issued new guidance related to Revenue from Contracts with Customers . This guidance supersedes the revenue recognition requirements in Accounting Standards Codification Topic 605, Revenue Recognition , and most industry-specific guidance throughout the Accounting Standards Codification. The guidance requires an entity to recognize revenue to depict the transfer of promised goods or services to customers in an amount that reflects the consideration to which the company expects to be entitled in exchange for t hose goods or services. This guidance is effective for interim and annual reporting periods beginning after December 15, 2016 ; however, the FASB has proposed a one year deferral of the effective date . The Company is currently evaluating this guidance to determine the impact on its consolidated financial statements. Effective January 1, 2015, the Company adopted new guidance related to Receivables . The new guidance requires that a government guaranteed mortgage loan be derecognized and that a separate other receivable be recognized upon foreclosure if certain conditions are met. The adoption of this guidance was not material to the consolidated financial statements. Effective January 1, 2015, the Company adopted new guidance related to Repurchase-to-Maturity Transactions and Repurchase Financings . The new guidance changes the accounting for repurchase-to-maturity transactions to secured borrowing accounting. The guidance also requires separate accounting for a transfer of a financial asset executed contemporaneously with a repurchase agreement with the same counterparty, which results in secured borrowing accounting for the repurchase agreement. The adoption of this guidance was not material to the consolidated financial statements. Effective January 1, 201 5 , the Company adopted new guidance related to Investments in Qualified Affordable Housing Project s. The Company used the retrospective method of adoption and has elected the proportional amortization method to account for these investments. The proportional amortization method allows an entity to amortize the initial cost of the investment in proportion to the amount of tax credits and other tax benefits received and recognize the net investment performance in the income statement as a component of the provision for income taxes. See Note 13 “ Commitments and Contingencies ” for the impact of the adoption of this guidance .

Acquisitions and Divestitures

Acquisitions and Divestitures	6 Months Ended
	Jun. 30, 2015
Acquisitions and Divestitures
Acquisitions and Divestitures	NOTE 2 . Acquisitions and Divestitures The following table summarizes the purchase price allocations for certain bank and branch acquisitions. Accordingly, the assets acquired and liabilities assumed are presented at their estimated fair values. In many cases , the determination of these fair values required management to make estimates about discount rates, future expected cash flows, market conditions and other future events that are highly subjective in na ture and subject to change. The fair value estim ates for the current-year acquisitions are considered preliminary and are subject to change for up to one year after the closing date of the acquisition as additional information becomes available. The Bank of Kentucky Citi - 41 Branches in Texas Citi - 21 Branches in Texas (Dollars in millions) Period of acquisition Q2 2015 Q1 2015 Q2 2014 Assets acquired: Cash, due from banks and fed funds sold $ 135 $ 14 $ 6 Securities 347 ― ― Loans 1,198 61 112 Goodwill 237 79 29 CDI 14 36 20 Other assets 98 48 16 Total assets acquired 2,029 238 183 Liabilities assumed: Deposits 1,558 1,907 1,228 Debt 73 ― ― Other liabilities 3 ― ― Total liabilities assumed 1,634 1,907 1,228 Consideration paid (received) $ 395 $ (1,669) $ (1,045) Cash paid (received) $ 73 $ (1,669) $ (1,045) Fair value of common stock issued 322 ― ― The acquisition of The Bank of Kentucky provided 3 2 additional retail branches. The UPB of loans acquired from The Bank of Kentucky was $ 1.3 billion, and the acquired goodwill is expected to be non- deductible for income tax purposes. BB&T has reached an agreement and received regulatory approval to acquire Susquehanna Bancshares, Inc. Closing is expected to occur on August 1, 2015. During the second quarter of 2015, BB&T purchased additional ownership interest in AmRisc , LP. from the noncontrolling owners for cash and ownership of American Coastal . Since BB&T held a controll ing interest in AmRisc , LP prior to this transaction, the total consideration less the establishment of a deferred tax asset was recognized as a charge to shareholders' equity. BB&T will continue to consolidate AmRisc , LP and recognize a noncontrolling interest for the remaining interests held by the noncontrolling owners. The transfer of the ownership of American Coastal was accounted for as a sale , and the resulting pre-tax loss is included in o ther income in the Consolidated Statements of Income. The following table summarizes these transactions: Purchase of Additional Ownership of AmRisc, LP Sale of American Coastal (Dollars in millions) Fair value of American Coastal $ 216 Fair value of American Coastal $ 216 Cash paid 146 Net assets sold (193) Total consideration 362 Allocated goodwill (49) Deferred tax asset recognized (140) Pre-tax loss on sale (26) Income tax expense (8) Net charge to shareholders' equity $ 222 After-tax net loss on sale $ (34)

Securities

Securities	6 Months Ended
	Jun. 30, 2015
Securities
Securities	NOTE 3. Securities Amortized Gross Unrealized Fair June 30, 2015 Cost Gains Losses Value (Dollars in millions) AFS securities: U.S. Treasury $ 1,381 $ 5 $ 1 $ 1,385 Agency MBS 16,655 62 283 16,434 States and political subdivisions 1,926 99 66 1,959 Non-agency MBS 217 26 — 243 Other 5 — — 5 Securities acquired from FDIC 833 324 — 1,157 Total AFS securities $ 21,017 $ 516 $ 350 $ 21,183 HTM securities: U.S. Treasury $ 1,097 $ 25 $ — $ 1,122 GSE 5,395 17 114 5,298 Agency MBS 12,335 89 13 12,411 States and political subdivisions 21 1 — 22 Other 589 13 — 602 Total HTM securities $ 19,437 $ 145 $ 127 $ 19,455 Amortized Gross Unrealized Fair December 31, 2014 Cost Gains Losses Value (Dollars in millions) AFS securities: U.S. Treasury $ 1,230 $ 1 $ — $ 1,231 Agency MBS 16,358 93 297 16,154 States and political subdivisions 1,913 120 59 1,974 Non-agency MBS 232 32 — 264 Other 41 — — 41 Securities acquired from FDIC 886 357 — 1,243 Total AFS securities $ 20,660 $ 603 $ 356 $ 20,907 HTM securities: U.S. Treasury $ 1,096 $ 23 $ — $ 1,119 GSE 5,394 17 108 5,303 Agency MBS 13,120 137 12 13,245 States and political subdivisions 22 2 — 24 Other 608 14 — 622 Total HTM securities $ 20,240 $ 193 $ 120 $ 20,313 The fair value of s ecurities acquired from the FDIC included non-agency MBS of $ 85 3 million and $ 931 m illion as of June 30, 2015 and December 31, 2014, respectively, and state s and political subdivision s securities of $ 304 million and $31 2 million as of June 30, 2015 and December 31, 2014 , respectively . Effective October 1, 2014, securities subject to the commercial loss sharing agreement with the FDIC related to the Colonial acquisition were no longer covered by loss sharing; however, any gains on the sale of these securities through September 30, 2017 would be shared with the FDIC. Since these securities are in a significant unrealized gain position, they continue to be effectively covered as any declines in the unrealized gains of the securities down to a contractually specified amount would reduce the liability to the FDIC at t he applicable percentage. The contractually-specified amount is the acquisition date fair value less any paydowns, redemptions or maturities and OTT I and totaled approximately $ 554 million at June 3 0 , 201 5 . Any further declines below the contractually-specified amount would not be covered . C ertain investments in marketable debt securities and MBS issued by FNMA and FHLMC exceeded ten percent of shareholders' equity at June 30, 2015 . The FNMA investments had total amortized cost and fair value of $ 13.0 billion and $ 12.8 billion, respectively . The FHLMC investments had total amor tized cost and fair value of $ 5.8 billion . The following table reflects changes in credit losses on securities with OTTI (excluding securities acquired from the FDIC ) where a portion of the unrealized loss was recognized in OCI : Three Months Ended Six Months Ended June 30, June 30, 2015 2014 2015 2014 (Dollars in millions) Balance at beginning of period $ 61 $ 76 $ 64 $ 78 Credit losses on securities without previously recognized OTTI ― ― ― 1 Credit losses on securities with previously recognized OTTI 3 ― 3 ― Reductions for securities sold/settled during the period (4) (3) (7) (6) Credit recoveries through yield (1) (1) (1) (1) Balance at end of period $ 59 $ 72 $ 59 $ 72 The amortized cost and estimated fair value of the securities portfolio by contractual maturity are shown in the following table. The expected life of MBS may differ from contractual maturities because borrowers have the right to prepay the underlying mortgage loans with or without prepayment penalties . AFS HTM Amortized Fair Amortized Fair June 30, 2015 Cost Value Cost Value (Dollars in millions) Due in one year or less $ 271 $ 271 $ 1 $ 1 Due after one year through five years 1,332 1,345 750 740 Due after five years through ten years 639 661 6,005 5,947 Due after ten years 18,775 18,906 12,681 12,767 Total debt securities $ 21,017 $ 21,183 $ 19,437 $ 19,455 The following tables present the fair values and gross unrealized losses of investments based on the length of time that individual securities have been in a continuous unrealized loss position: Less than 12 months 12 months or more Total Fair Unrealized Fair Unrealized Fair Unrealized June 30, 2015 Value Losses Value Losses Value Losses (Dollars in millions) AFS securities: U.S. Treasury securities $ 259 $ 1 $ — $ — $ 259 $ 1 Agency MBS 4,151 45 5,946 238 10,097 283 States and political subdivisions 79 2 431 64 510 66 Total $ 4,489 $ 48 $ 6,377 $ 302 $ 10,866 $ 350 HTM securities: GSE $ 2,883 $ 59 $ 1,995 $ 55 $ 4,878 $ 114 Agency MBS 2,166 11 387 2 2,553 13 Total $ 5,049 $ 70 $ 2,382 $ 57 $ 7,431 $ 127 Less than 12 months 12 months or more Total Fair Unrealized Fair Unrealized Fair Unrealized December 31, 2014 Value Losses Value Losses Value Losses (Dollars in millions) AFS securities: Agency MBS $ 2,285 $ 19 $ 6,878 $ 278 $ 9,163 $ 297 States and political subdivisions 13 ― 449 59 462 59 Total $ 2,298 $ 19 $ 7,327 $ 337 $ 9,625 $ 356 HTM securities: GSE $ 896 $ 5 $ 3,968 $ 103 $ 4,864 $ 108 Agency MBS 1,329 5 800 7 2,129 12 Total $ 2,225 $ 10 $ 4,768 $ 110 $ 6,993 $ 120 The unrealized losses on GSE securities and agency MBS were the result of increases in market interest rates compared to the date the securities were acquired rather than the credit quality of the issuers or underlying loans. At June 30, 2015, one non-agency MBS had an immaterial amount of credit impairment . At June 30, 2015, $ 61 million of the unrealized loss on states and political subdivisions securities was the result of fair value hedge basis adjustments that are a component of amortized cost . These securities in an unrealized loss position are evaluated for credit impairment through a qualitative analysis of issuer performance and the primary source of repayment . At June 30, 2015, four of these securities had immaterial amounts of cr edit impairment .

Loans and ACL

Loans and ACL	6 Months Ended
	Jun. 30, 2015
Loans and ACL
Loans and ACL	NOTE 4. Loans and ACL During the first quarter of 2014 , approximately $ 8.3 billion of nonguaranteed, closed-end, first and second lien position residential mortgage loans , along with the related allowance, were transferred from direct retail lending to residential mortgage to facilitate compliance with a series of new rules related to mortgage servicing associated with first and second lien position mortgages collateralized by real estate . During the third quarter of 2014 , approximately $550 million of loans, which were primarily perfo rming residential mortgage TDRs, with a relate d ALLL of $57 million were sold for a gain of $42 million . During the fourth quarter of 2014, approximately $140 million of loans , which were primarily residential mortgage NPLs , with a related ALLL of $19 million were sold for a gain of $24 million. Both gains were recognized as reductions to the provision for credit losses. Effective October 1, 2014, loans subject to the commercial loss sharing agreement with the FDIC related to the Colonial acquisition were no longer covered by loss sharing . At June 30, 2015 , these loans had a carrying value of $ 392 million, a UPB of $ 617 m il lion and an allowance of $ 41 million and are included in acquired from FDIC loans . Loans with a carrying value of $ 600 million at June 30 , 201 5 continue to be covered by loss sharing and are included in the acquired from FDIC balance . Accruing 90 Days Or 30-89 Days More Past June 30, 2015 Current Past Due Due Nonaccrual Total (Dollars in millions) Commercial: Commercial and industrial $ 43,393 $ 16 $ ― $ 198 $ 43,607 CRE-income producing properties 11,069 4 ― 59 11,132 CRE-construction and development 2,855 3 ― 16 2,874 Other lending subsidiaries 5,475 18 ― 12 5,505 Retail: Direct retail lending 8,583 41 10 41 8,675 Revolving credit 2,379 19 9 ― 2,407 Residential mortgage-nonguaranteed 28,605 362 60 188 29,215 Residential mortgage-government guaranteed 270 77 492 ― 839 Sales finance 10,423 53 4 13 10,493 Other lending subsidiaries 6,305 212 ― 45 6,562 Acquired from FDIC 837 31 124 ― 992 Total $ 120,194 $ 836 $ 699 $ 572 $ 122,301 Accruing 90 Days Or 30-89 Days More Past December 31, 2014 Current Past Due Due Nonaccrual Total (Dollars in millions) Commercial: Commercial and industrial $ 41,192 $ 23 $ ― $ 239 $ 41,454 CRE-income producing properties 10,644 4 ― 74 10,722 CRE-construction and development 2,708 1 ― 26 2,735 Other lending subsidiaries 5,337 15 ― 4 5,356 Retail: Direct retail lending 8,045 41 12 48 8,146 Revolving credit 2,428 23 9 ― 2,460 Residential mortgage-nonguaranteed 29,468 392 83 164 30,107 Residential mortgage-government guaranteed 251 82 648 2 983 Sales finance 10,528 62 5 5 10,600 Other lending subsidiaries 5,830 222 ― 54 6,106 Acquired from FDIC 994 33 188 ― 1,215 Total $ 117,425 $ 898 $ 945 $ 616 $ 119,884 The following tables present the carrying amount of loans by risk rating. Loans acquired from the FDIC are excluded because their related ALLL is determined by loan pool performance. CRE - CRE - Commercial Income Producing Construction and Other Lending June 30, 2015 & Industrial Properties Development Subsidiaries (Dollars in millions) Commercial: Pass $ 41,951 $ 10,657 $ 2,761 $ 5,464 Special mention 296 102 17 15 Substandard-performing 1,162 314 80 14 Nonperforming 198 59 16 12 Total $ 43,607 $ 11,132 $ 2,874 $ 5,505 Direct Retail Revolving Residential Sales Other Lending Lending Credit Mortgage Finance Subsidiaries (Dollars in millions) Retail: Performing $ 8,634 $ 2,407 $ 29,866 $ 10,480 $ 6,517 Nonperforming 41 ― 188 13 45 Total $ 8,675 $ 2,407 $ 30,054 $ 10,493 $ 6,562 CRE - CRE - Commercial Income Producing Construction and Other Lending December 31, 2014 & Industrial Properties Development Subsidiaries (Dollars in millions) Commercial: Pass $ 40,055 $ 10,253 $ 2,615 $ 5,317 Special mention 163 67 7 10 Substandard-performing 997 328 87 25 Nonperforming 239 74 26 4 Total $ 41,454 $ 10,722 $ 2,735 $ 5,356 Direct Retail Revolving Residential Sales Other Lending Lending Credit Mortgage Finance Subsidiaries (Dollars in millions) Retail: Performing $ 8,098 $ 2,460 $ 30,924 $ 10,595 $ 6,052 Nonperforming 48 ― 166 5 54 Total $ 8,146 $ 2,460 $ 31,090 $ 10,600 $ 6,106 ACL Rollforward Beginning Charge- Provision Ending Three Months Ended June 30, 2015 Balance Offs Recoveries (Benefit) Other Balance (Dollars in millions) Commercial: Commercial and industrial $ 448 $ (32) $ 13 $ 28 $ ― $ 457 CRE-income producing properties 153 (4) 1 (9) ― 141 CRE-construction and development 42 ― 2 (6) ― 38 Other lending subsidiaries 22 (2) 1 ― ― 21 Retail: Direct retail lending 111 (13) 7 8 ― 113 Revolving credit 106 (19) 5 10 ― 102 Residential mortgage-nonguaranteed 200 (7) 1 3 ― 197 Residential mortgage-government guaranteed 30 (2) ― ― ― 28 Sales finance 58 (5) 2 (1) ― 54 Other lending subsidiaries 237 (55) 9 58 ― 249 Acquired from FDIC 57 ― ― ― ― 57 ALLL 1,464 (139) 41 91 ― 1,457 RUFC 68 ― ― 6 4 78 ACL $ 1,532 $ (139) $ 41 $ 97 $ 4 $ 1,535 ACL Rollforward Beginning Charge- Provision Ending Three Months Ended June 30, 2014 Balance Offs Recoveries (Benefit) Balance (Dollars in millions) Commercial: Commercial and industrial $ 423 $ (40) $ 10 $ 30 $ 423 CRE-income producing properties 136 (11) 3 (1) 127 CRE-construction and development 65 (3) 10 (13) 59 Other lending subsidiaries 16 (1) 1 1 17 Retail: Direct retail lending 120 (19) 7 16 124 Revolving credit 115 (18) 5 10 112 Residential mortgage-nonguaranteed 327 (20) ― 17 324 Residential mortgage-government guaranteed 69 (1) ― (17) 51 Sales finance 45 (4) 2 1 44 Other lending subsidiaries 222 (46) 8 34 218 Acquired from FDIC 104 (4) ― (9) 91 ALLL 1,642 (167) 46 69 1,590 RUFC 80 ― ― 5 85 ACL $ 1,722 $ (167) $ 46 $ 74 $ 1,675 ACL Rollforward Six Months Ended June 30, 2015 Beginning Balance Charge-Offs Recoveries Provision (Benefit) Other Ending Balance (Dollars in millions) Commercial: Commercial and industrial $ 421 $ (46) $ 21 $ 61 $ ― $ 457 CRE - income producing properties 162 (13) 3 (11) ― 141 CRE - construction and development 48 (2) 6 (14) ― 38 Other lending subsidiaries 21 (5) 2 3 ― 21 Retail: Direct retail lending 110 (25) 15 13 ― 113 Revolving credit 110 (37) 10 19 ― 102 Residential mortgage-nonguaranteed 217 (18) 1 (3) ― 197 Residential mortgage-government guaranteed 36 (2) ― (6) ― 28 Sales finance 50 (11) 5 10 ― 54 Other lending subsidiaries 235 (119) 17 116 ― 249 Acquired from FDIC 64 (1) ― (6) ― 57 ALLL 1,474 (279) 80 182 ― 1,457 RUFC 60 ― ― 14 4 78 ACL $ 1,534 $ (279) $ 80 $ 196 $ 4 $ 1,535 ACL Rollforward Six Months Ended June 30, 2014 Beginning Balance Charge-Offs Recoveries Provision (Benefit) Other Ending Balance (Dollars in millions) Commercial: Commercial and industrial $ 454 $ (73) $ 19 $ 23 $ ― $ 423 CRE - income producing properties 149 (19) 5 (8) ― 127 CRE - construction and development 76 (7) 13 (23) ― 59 Other lending subsidiaries 15 (2) 1 3 ― 17 Retail: Direct retail lending 209 (38) 15 23 (85) 124 Revolving credit 115 (36) 10 23 ― 112 Residential mortgage-nonguaranteed 269 (41) 1 10 85 324 Residential mortgage-government guaranteed 62 (1) ― (10) ― 51 Sales finance 45 (11) 5 5 ― 44 Other lending subsidiaries 224 (130) 16 108 ― 218 Acquired from FDIC 114 (7) ― (16) ― 91 ALLL 1,732 (365) 85 138 ― 1,590 RUFC 89 ― ― (4) ― 85 ACL $ 1,821 $ (365) $ 85 $ 134 $ ― $ 1,675 The following table provides a summary of loans that are collectively evaluated for impairment. June 30, 2015 December 31, 2014 Recorded Investment Related ALLL Recorded Investment Related ALLL (Dollars in millions) Commercial: Commercial and industrial $ 43,300 $ 424 $ 41,120 $ 379 CRE-income producing properties 11,009 131 10,583 147 CRE-construction and development 2,832 30 2,670 39 Other lending subsidiaries 5,493 18 5,351 20 Retail: Direct retail lending 8,585 91 8,048 86 Revolving credit 2,371 88 2,419 94 Residential mortgage-nonguaranteed 28,761 155 29,660 181 Residential mortgage-government guaranteed 511 2 622 4 Sales finance 10,473 50 10,579 46 Other lending subsidiaries 6,379 218 5,930 204 Acquired from FDIC 992 57 1,215 64 Total $ 120,706 $ 1,264 $ 118,197 $ 1,264 The following tables set forth certain information regarding impaired loans, excluding purchased impaired loans and LHFS, that were individually evaluated for reserves. Average Interest Recorded Related Recorded Income As Of / For The Six Months Ended June 30, 2015 Investment UPB ALLL Investment Recognized (Dollars in millions) With no related ALLL recorded: Commercial: Commercial and industrial $ 88 $ 120 $ ― $ 85 $ ― CRE-income producing properties 24 33 ― 19 ― CRE-construction and development 4 6 ― 10 ― Other lending subsidiaries ― 2 ― 1 ― Retail: Direct retail lending 12 43 ― 13 ― Residential mortgage-nonguaranteed 90 151 ― 107 2 Residential mortgage-government guaranteed 2 3 ― 3 ― Sales finance 1 2 ― 1 ― Other lending subsidiaries 3 7 ― 3 ― With an ALLL recorded: Commercial: Commercial and industrial 219 225 33 237 2 CRE-income producing properties 99 100 10 108 2 CRE-construction and development 38 38 8 41 1 Other lending subsidiaries 12 13 3 6 ― Retail: Direct retail lending 78 80 22 82 2 Revolving credit 36 36 14 38 1 Residential mortgage-nonguaranteed 364 376 42 345 8 Residential mortgage-government guaranteed 326 327 26 333 7 Sales finance 19 19 4 19 ― Other lending subsidiaries 180 182 31 177 14 Total $ 1,595 $ 1,763 $ 193 $ 1,628 $ 39 Average Interest Recorded Related Recorded Income As Of / For The Year Ended December 31, 2014 Investment UPB ALLL Investment Recognized (Dollars in millions) With no related ALLL recorded: Commercial: Commercial and industrial $ 87 $ 136 $ ― $ 138 $ 2 CRE-income producing properties 18 25 ― 36 ― CRE-construction and development 14 21 ― 20 ― Other lending subsidiaries ― 1 ― ― ― Retail: Direct retail lending 13 49 ― 14 1 Residential mortgage-nonguaranteed 87 141 ― 147 5 Residential mortgage-government guaranteed 3 4 ― 7 ― Sales finance 1 2 ― 1 ― Other lending subsidiaries 3 7 ― 3 ― With an ALLL recorded: Commercial: Commercial and industrial 247 254 42 279 5 CRE-income producing properties 121 123 15 133 4 CRE-construction and development 51 52 9 65 2 Other lending subsidiaries 5 5 1 4 ― Retail: Direct retail lending 85 87 24 95 5 Revolving credit 41 41 16 45 2 Residential mortgage-nonguaranteed 360 370 36 700 31 Residential mortgage-government guaranteed 358 358 32 402 17 Sales finance 20 21 4 20 1 Other lending subsidiaries 173 175 31 148 22 Total $ 1,687 $ 1,872 $ 210 $ 2,257 $ 97 The following table provides a summary of TDRs, all of which are considered impaired. June 30, December 31, 2015 2014 (Dollars in millions) Performing TDRs: Commercial: Commercial and industrial $ 75 $ 64 CRE-income producing properties 21 27 CRE-construction and development 23 30 Direct retail lending 81 84 Sales finance 18 19 Revolving credit 36 41 Residential mortgage-nonguaranteed 273 261 Residential mortgage-government guaranteed 328 360 Other lending subsidiaries 172 164 Total performing TDRs 1,027 1,050 Nonperforming TDRs (also included in NPL disclosures) 127 126 Total TDRs $ 1,154 $ 1,176 ALLL attributable to TDRs $ 151 $ 159 The following table summarizes the primary reason loan modification s were classified as TDRs and i nclude s newly designated TDRs as well as modifications made to existing TDR s . Balances represent the recorded investment at the end of the quarter in which the modification was made . Rate modifications in this table include TDRs made with below market interest rates that also include modification s of loan structure s . Three Months Ended June 30, 2015 2014 Types of Types of Modifications Impact To Modifications Impact To Rate Structure Allowance Rate Structure Allowance (Dollars in millions) Commercial: Commercial and industrial $ 40 $ 10 $ 1 $ 49 $ 10 $ 1 CRE-income producing properties 2 10 ― 5 6 ― CRE-construction and development ― 9 ― 6 10 ― Retail: Direct retail lending 3 ― 1 8 1 1 Revolving credit 4 ― 1 6 ― 2 Residential mortgage-nonguaranteed 21 10 2 19 8 2 Residential mortgage-government guaranteed 49 ― 2 105 ― 4 Sales finance ― 3 ― 1 1 ― Other lending subsidiaries 29 ― 4 29 ― 3 Six Months Ended June 30, 2015 2014 Types of Types of Modifications Impact To Modifications Impact To Rate Structure Allowance Rate Structure Allowance (Dollars in millions) Commercial: Commercial and industrial $ 49 $ 24 $ 2 $ 68 $ 29 $ 2 CRE-income producing properties 4 13 ― 13 11 ― CRE-construction and development ― 12 ― 11 13 ― Retail: Direct retail lending 6 ― 2 19 3 4 Revolving credit 8 ― 2 13 ― 3 Residential mortgage-nonguaranteed 44 22 5 51 17 13 Residential mortgage-government guaranteed 109 ― 4 144 ― 7 Sales finance ― 5 ― 1 6 1 Other lending subsidiaries 60 ― 8 58 ― 8 Charge-offs and forgiveness of principal and interest for TDRs were immaterial for all periods presented. T he pre-default balance for modifications that experienced a payment default that had been classified as TDRs during the previous 12 months was $14 million and $17 million for the three months ended June 30, 2015 and 2014, respectively , and $35 million and $38 million for the six months ended June 30, 2015 and 2014, respectively . P ayment default is defined as movement of the TDR to nonaccrual status, foreclosure or charge-off, whichever occurs first. Changes in the carrying value and accretable yield of loans acquired from the FDIC are presented in the following table: Six Months Ended June 30, 2015 Year Ended December 31, 2014 Purchased Impaired Purchased Nonimpaired Purchased Impaired Purchased Nonimpaired Accretable Carrying Accretable Carrying Accretable Carrying Accretable Carrying Yield Value Yield Value Yield Value Yield Value (Dollars in millions) Balance at beginning of period $ 134 $ 579 $ 244 $ 636 $ 187 $ 863 $ 351 $ 1,172 Accretion (35) 35 (49) 49 (107) 107 (169) 169 Payments received, net ― (133) ― (174) ― (391) ― (705) Other, net 23 ― 9 ― 54 ― 62 ― Balance at end of period $ 122 $ 481 $ 204 $ 511 $ 134 $ 579 $ 244 $ 636 Outstanding UPB at end of period $ 728 $ 704 $ 864 $ 860 The following table presents additional information about BB&T’s loans and leases: June 30, December 31, 2015 2014 (Dollars in millions) Unearned income and net deferred loan fees and costs $ 183 $ 147 Residential mortgage loans in process of foreclosure 295 379

Goodwill and Other Intangible A

Goodwill and Other Intangible Assets	6 Months Ended
	Jun. 30, 2015
Goodwill And Other Intangible Assets
Goodwill And Other Intangible Assets	NOTE 5. Goodwill and Other Intangible Assets The changes in the carrying amounts of goodwill attributable to BB&T's operating segments are reflected in the table below. During the second quarter of 2015 , BB&T sold American Coastal, which resulted in the allocat ion and write-off of goodwill from the Insurance Services segment . Residential Dealer Community Mortgage Financial Specialized Insurance Financial Banking Banking Services Lending Services Services Total (Dollars in millions) Goodwill balance, January 1, 2015 $ 4,634 $ 326 $ 111 $ 88 $ 1,518 $ 192 $ 6,869 Acquisitions 316 ― ― ― 3 ― 319 Allocated to sale of American Coastal ― ― ― ― (49) ― (49) Other adjustments 5 ― ― ― (3) ― 2 Goodwill balance, June 30, 2015 $ 4,955 $ 326 $ 111 $ 88 $ 1,469 $ 192 $ 7,141 The following table presents information for identifiable intangible assets subject to amortization: June 30, 2015 December 31, 2014 Gross Carrying Amount Accumulated Amortization Net Carrying Amount Gross Carrying Amount Accumulated Amortization Net Carrying Amount (Dollars in millions) CDI $ 743 $ (601) $ 142 $ 693 $ (585) $ 108 Other, primarily customer relationship intangibles 1,090 (718) 372 1,088 (691) 397 Total $ 1,833 $ (1,319) $ 514 $ 1,781 $ (1,276) $ 505

Loan Servicing

Loan Servicing	6 Months Ended
	Jun. 30, 2015
Loan Servicing
Loan Servicing	NOTE 6. Loan Servicing Residential Mortgage Banking Activities The following tables summarize residential mortgage banking activities . Mortgage and home equity loans managed exclude loans serviced for others with no other continuing involvement. June 30, December 31, 2015 2014 (Dollars in millions) Mortgage and home equity loans managed $ 33,483 $ 33,742 Less: LHFS 2,184 1,317 Mortgage loans acquired from FDIC 626 668 Mortgage loans sold with recourse 619 667 Mortgage loans held for investment $ 30,054 $ 31,090 UPB of mortgage loan servicing portfolio $ 115,122 $ 115,476 UPB of home equity loan servicing portfolio 6,040 6,781 UPB of residential mortgage and home equity loan servicing portfolio $ 121,162 $ 122,257 UPB of residential mortgage loans serviced for others (primarily agency conforming fixed rate) $ 89,235 $ 90,230 Maximum recourse exposure from mortgage loans sold with recourse liability 335 344 Indemnification, recourse and repurchase reserves 83 94 FHA-insured mortgage loan reserve 85 85 The potential exposure related to losses incurred by the FHA on defaulted loans ranges from $25 million to $105 million. As Of / For The Six Months Ended June 30, 2015 2014 (Dollars in millions) UPB of residential mortgage loans sold from LHFS $ 6,804 $ 5,972 Pre-tax gains recognized on mortgage loans sold and held for sale 74 38 Servicing fees recognized from mortgage loans serviced for others 136 136 Approximate weighted average servicing fee on the outstanding balance of residential mortgage loans serviced for others 0.29 % 0.30 % Weighted average interest rate on mortgage loans serviced for others 4.16 4.23 Six Months Ended June 30, 2015 2014 (Dollars in millions) Residential MSRs, carrying value, January 1, $ 844 $ 1,047 Additions 68 66 Change in fair value due to changes in valuation inputs or assumptions: Prepayment speeds 166 (100) OAS (70) 3 Servicing costs (25) ― Realization of expected net servicing cash flows, passage of time and other (71) (62) Residential MSRs, carrying value, June 30, $ 912 $ 954 Gains (losses) on derivative financial instruments used to mitigate the income statement effect of changes in fair value $ (38) $ 105 The sensitivity of the fair value of the residential MSRs to changes in key assumptions is included in the accompanying table: June 30, 2015 December 31, 2014 Range Weighted Range Weighted Min Max Average Min Max Average (Dollars in millions) Prepayment speed 4.8 % 7.7 % 7.0 % 10.8 % 12.8 % 12.0 % Effect on fair value of a 10% increase $ (26) $ (30) Effect on fair value of a 20% increase (51) (58) OAS 10.5 % 12.4 % 11.0 % 9.1 % 9.9 % 9.3 % Effect on fair value of a 10% increase $ (37) $ (26) Effect on fair value of a 20% increase (72) (50) Composition of loans serviced for others: Fixed-rate residential mortgage loans 99.3 % 99.4 % Adjustable-rate residential mortgage loans 0.7 0.6 Total 100.0 % 100.0 % Weighted average life 7.7 yrs 5.7 yrs The sensitivity calculations above are hypothetical and should not be considered to be predictive of future performance . As indicated, changes in fair value based on adverse changes in assumptions generally cannot be extrapolated because the relationship of the change in assumption to the change in fair value may not be linear . Also, in the above table, the effect of an adverse variation in a particular assumption on the fair value of the MSRs is calculated without changing any other assumption; while in reality, changes in one factor may result in changes in another, which may magnify or counteract the effect of the change. Commercial Mortgage Banking Activities CRE mortgage loans serviced for others are not included in loans and leases on the accompanying Consolidated Balance Sheets . The following table summarizes commercial mortgage banking activities for the periods presented: June 30, December 31, 2015 2014 (Dollars in millions) UPB of CRE mortgages serviced for others $ 28,039 $ 27,599 CRE mortgages serviced for others covered by recourse provisions 4,425 4,264 Maximum recourse exposure from CRE mortgages sold with recourse liability 1,331 1,278 Recorded reserves related to recourse exposure 8 7 Originated CRE mortgages during the year 3,264 5,265

Deposits

Deposits	6 Months Ended
	Jun. 30, 2015
Deposits
Deposits	NOTE 7 . Deposits A summary of deposits is presented in the accompanying table: June 30, December 31, 2015 2014 (Dollars in millions) Noninterest-bearing deposits $ 42,234 $ 38,786 Interest checking 20,843 20,262 Money market and savings 55,269 50,604 Time deposits 14,437 19,388 Total deposits $ 132,783 $ 129,040 Time deposits $100,000 and greater $ 5,525 $ 9,782 Time deposits $250,000 and greater 1,870 5,753

Long-Term Debt

Long-Term Debt	6 Months Ended
	Jun. 30, 2015
Long-Term Debt
Long-Term Debt	NOTE 8. Long-Term Debt June 30, December 31, 2015 2014 (Dollars in millions) BB&T Corporation: 3.95% senior notes due 2016 $ 500 $ 500 3.20% senior notes due 2016 1,000 1,000 2.15% senior notes due 2017 749 749 1.60% senior notes due 2017 749 749 1.45% senior notes due 2018 500 500 Floating rate senior notes due 2018 (LIBOR-based, 1.15% at June 30, 2015) 400 400 2.05% senior notes due 2018 599 599 6.85% senior notes due 2019 540 539 2.25% senior notes due 2019 648 648 Floating rate senior notes due 2019 (LIBOR-based, 0.94% at June 30, 2015) 450 450 2.45% senior notes due 2020 1,298 1,298 2.63% senior notes due 2020 999 ― Floating rate senior notes due 2020 (LIBOR-based, 0.99% at June 30, 2015) 200 200 5.20% subordinated notes due 2015 934 933 4.90% subordinated notes due 2017 354 353 5.25% subordinated notes due 2019 586 586 3.95% subordinated notes due 2022 299 298 Branch Bank: 1.45% senior notes due 2016 750 750 Floating rate senior notes due 2016 (LIBOR-based, 0.71% at June 30, 2015) 375 500 1.05% senior notes due 2016 500 500 1.00% senior notes due 2017 599 599 1.35% senior notes due 2017 750 750 2.30% senior notes due 2018 750 750 2.85% senior notes due 2021 700 699 5.63% subordinated notes due 2016 386 386 Floating rate subordinated notes due 2016 (LIBOR-based, 0.61% at June 30, 2015) 350 350 Floating rate subordinated note due 2017 (LIBOR-based, 0.58% at June 30, 2015) 262 262 3.80% subordinated notes due 2026 848 848 FHLB advances to Branch Bank: Varying maturities to 2034 5,577 6,496 Other long-term debt 154 119 Fair value hedge-related basis adjustments 465 501 Total long-term debt $ 23,271 $ 23,312 The following table reflects the carrying amounts and effective interest rates for long-term debt: June 30, 2015 December 31, 2014 Carrying Effective Carrying Effective Amount Rate Amount Rate (Dollars in millions) BB&T Corporation fixed rate senior notes $ 7,681 2.30 % $ 6,669 2.39 % BB&T Corporation floating rate senior notes 1,050 1.08 1,050 1.07 BB&T Corporation fixed rate subordinated notes 2,340 2.20 2,362 2.30 Branch Bank fixed rate senior notes 4,074 1.56 4,060 1.72 Branch Bank floating rate senior notes 375 0.76 500 0.72 Branch Bank fixed rate subordinated notes 1,279 2.95 1,299 2.86 Branch Bank floating rate subordinated notes 612 3.42 612 3.27 FHLB advances (weighted average maturity of 5.3 years at June 30, 2015) 5,706 3.98 6,641 4.03 Other long-term debt 154 119 Total long-term debt $ 23,271 $ 23,312 The effective rates above reflect the impact of cash flow and fair value hedges, as applicable. S ubordinated notes with a remaining maturity of one year or greater qualify under the risk-based capital guidelines as Tier 2 supplementary capital, subject to certain limitations . During the second quarter of 2015 , BB&T terminated FHLB advances total ing $931 million , which resulted in a pre-tax loss on early extinguishment of $172 million.

Shareholders' Equity

Shareholders' Equity	6 Months Ended
	Jun. 30, 2015
Shareholders' Equity
Shareholders' Equity	NOTE 9. Shareholders' Equity The activity relating to optio ns and RSUs during the period i s presented in the following tables Wtd. Avg. Exercise Options Price (Shares in thousands) Outstanding at January 1, 2015 28,374 $ 35.09 Granted 434 38.22 Exercised (2,775) 32.14 Forfeited or expired (5,618) 38.66 Outstanding at June 30, 2015 20,415 34.58 Exercisable at June 30, 2015 18,687 34.73 Exercisable and expected to vest at June 30, 2015 20,296 34.59 Wtd. Avg. Restricted Grant Date Shares/Units Fair Value (Shares in thousands) Nonvested at January 1, 2015 12,075 $ 27.38 Granted 3,680 33.28 Vested (3,400) 24.83 Forfeited (193) 30.91 Nonvested at June 30, 2015 12,162 29.82 Expected to vest at June 30, 2015 11,158 29.83

AOCI

AOCI	6 Months Ended
	Jun. 30, 2015
AOCI
AOCI	NOTE 10. AOCI Three Months Ended June 30, 2015 Unrecognized Net Pension and Postretirement Costs Unrealized Net Gains (Losses) on Cash Flow Hedges Unrealized Net Gains (Losses) on AFS Securities FDIC's Share of Unrealized (Gains) Losses on AFS Securities Other, net Total (Dollars in millions) AOCI balance, April 1, 2015 $ (617) $ (108) $ 209 $ (197) $ (20) $ (733) OCI before reclassifications, net of tax 1 60 (121) 5 1 (54) Amounts reclassified from AOCI: Personnel expense 12 ― ― ― ― 12 Interest income ― ― 22 ― ― 22 Interest expense ― 21 ― ― ― 21 FDIC loss share income, net ― ― ― 6 ― 6 Securities (gains) losses, net ― ― 1 ― ― 1 Total before income taxes 12 21 23 6 ― 62 Less: Income taxes 4 8 9 2 ― 23 Net of income taxes 8 13 14 4 ― 39 Net change in OCI 9 73 (107) 9 1 (15) AOCI balance, June 30, 2015 $ (608) $ (35) $ 102 $ (188) $ (19) $ (748) Three Months Ended June 30, 2014 Unrecognized Net Pension and Postretirement Costs Unrealized Net Gains (Losses) on Cash Flow Hedges Unrealized Net Gains (Losses) on AFS Securities FDIC's Share of Unrealized (Gains) Losses on AFS Securities Other, net Total (Dollars in millions) AOCI balance, April 1, 2014 $ (302) $ 13 $ 37 $ (229) $ (19) $ (500) OCI before reclassifications, net of tax 1 (14) 89 (6) 8 78 Amounts reclassified from AOCI: Personnel expense 1 ― ― ― ― 1 Interest income ― ― (5) ― (5) (10) Interest expense ― 19 ― ― ― 19 FDIC loss share income, net ― ― ― 14 ― 14 Total before income taxes 1 19 (5) 14 (5) 24 Less: Income taxes ― 7 (2) 5 (2) 8 Net of income taxes 1 12 (3) 9 (3) 16 Net change in OCI 2 (2) 86 3 5 94 AOCI balance, June 30, 2014 $ (300) $ 11 $ 123 $ (226) $ (14) $ (406) Six Months Ended June 30, 2015 Unrecognized Net Pension and Postretirement Costs Unrealized Net Gains (Losses) on Cash Flow Hedges Unrealized Net Gains (Losses) on AFS Securities FDIC's Share of Unrealized (Gains) Losses on AFS Securities Other, net Total (Dollars in millions) AOCI balance, January 1, 2015 $ (626) $ (54) $ 152 $ (207) $ (16) $ (751) OCI before reclassifications, net of tax 3 (7) (54) 7 (4) (55) Amounts reclassified from AOCI: Personnel expense 24 ― ― ― ― 24 Interest income ― ― 6 1 7 Interest expense ― 42 ― ― ― 42 FDIC loss share income, net ― ― ― 19 ― 19 Securities (gains) losses, net ― ― 1 ― ― 1 Total before income taxes 24 42 7 19 1 93 Less: Income taxes 9 16 3 7 ― 35 Net of income taxes 15 26 4 12 1 58 Net change in AOCI 18 19 (50) 19 (3) 3 AOCI balance, June 30, 2015 $ (608) $ (35) $ 102 $ (188) $ (19) $ (748) Six Months Ended June 30, 2014 Unrecognized Net Pension and Postretirement Costs Unrealized Net Gains (Losses) on Cash Flow Hedges Unrealized Net Gains (Losses) on AFS Securities FDIC's Share of Unrealized (Gains) Losses on AFS Securities Other, net Total (Dollars in millions) AOCI balance, January 1, 2014 $ (303) $ 2 $ (42) $ (235) $ (15) $ (593) OCI before reclassifications, net of tax 2 (16) 174 (6) 3 157 Amounts reclassified from AOCI: Personnel expense 1 ― ― ― ― 1 Interest income ― ― (13) ― (4) (17) Interest expense ― 40 ― ― ― 40 FDIC loss share income, net ― ― ― 24 ― 24 Securities (gains) losses, net ― ― (2) ― ― (2) Total before income taxes 1 40 (15) 24 (4) 46 Less: Income taxes ― 15 (6) 9 (2) 16 Net of income taxes 1 25 (9) 15 (2) 30 Net change in AOCI 3 9 165 9 1 187 AOCI balance, June 30, 2014 $ (300) $ 11 $ 123 $ (226) $ (14) $ (406)

Income Taxes

Income Taxes	6 Months Ended
	Jun. 30, 2015
Income Taxes
Income Taxes	NOTE 11 . Income Taxes The effective tax rate s for the three months ended June 30, 2015 and 2014 were 13.8 % and 31.2 %, respectively. The effective tax rates for the six months ended June 30, 2015 and 2014 were 23.4 % and 31.0 %, respectively. The effective tax rates were lower than the corresponding periods of 2014 primarily due to adjustments for uncertain tax positions as described below. Additionally, during the second quarter of 2014, a tax provision of $14 million related to the IRS's change in stance related to an income tax position that was under examination was recorded . Effective January 1, 2015, the Company adopted new accounting guidance related to investment s in qualified affordable housing projects . See Note 13 “Commitments and Contingenc i es” for additional information . In February 2010, BB&T received an IRS statutory notice of deficiency for tax years 2002-2007 asserting a liability for taxes, penalties and interest of approximately $892 million related to the disallowance of foreign tax credits and other deductions claimed by a subsidiary in connection with a financing transaction. BB&T paid the disputed tax, penalties and interest in March 2010 and filed a lawsuit seeking a refund in the U.S. Court of Federal Claims. On September 20, 2013, the court denied the refund claim. BB&T appealed the decision to the U.S. Court of Appeals for the Federal Circuit. On May 14, 2015, the appeals court overturned a portion of the earlier ruling, resulting in the recognition of income tax benefits of $107 million during the second quarter. The remainder of the decision was affirmed. While management is continuing to evaluate its options for responding to the court's ruling, both BB&T and the IRS have the ability to appeal the decision to the U.S. Supreme Court. Depending on both parties' chosen course s of action, it is reasonably possible that the litigation associated with the financing transaction may conclude within the next twelve months; however , it is also possible that the appeals process could take longer than one year. Changes in the amount of unrecognized tax benefits, penalties and interest could result in a benefit of up to approximately $596 million .

Benefit Plans

Benefit Plans	6 Months Ended
	Jun. 30, 2015
Benefit Plans
Benefit Plans	NOTE 12. Benefit Plans Qualified Plan Nonqualified Plans Three Months Ended June 30, 2015 2014 2015 2014 (Dollars in millions) Service cost $ 42 $ 32 $ 3 $ 3 Interest cost 34 31 4 3 Estimated return on plan assets (81) (74) ― ― Amortization and other 12 1 3 3 Net periodic benefit cost $ 7 $ (10) $ 10 $ 9 Qualified Plan Nonqualified Plans Six Months Ended June 30 2015 2014 2015 2014 (Dollars in millions) Service cost $ 85 $ 65 $ 6 $ 6 Interest cost 68 62 8 7 Estimated return on plan assets (162) (148) ― ― Amortization and other 24 1 7 6 Net periodic benefit cost $ 15 $ (20) $ 21 $ 19 BB&T makes contributions to the qualified pension plan in amounts between the minimum required for funding and the maximum amount deductible for federal income tax purposes . D iscretionary c ontribution s totaling $ 117 million w ere made during 201 5 . There are no required contributions for the remainder of 201 5 , though BB&T may elect to make additional contributions .

Commitments and Contingencies

Commitments and Contingencies	6 Months Ended
	Jun. 30, 2015
Commitments and Contingencies
Commitments and Contingencies	NOTE 13. Commitments and Contingencies As Of / For the Year-To-Date Period Ended June 30, 2015 December 31, 2014 (Dollars in millions) Letters of credit and financial guarantees $ 3,353 $ 3,462 Carrying amount of the liability for letter of credit guarantees 24 22 Investments in affordable housing and historic building rehabilitation projects: Carrying amount 1,548 1,416 Amount of future funding commitments included in carrying amount 583 459 Lending exposure 190 169 Tax credits subject to recapture 314 300 Amortization recognized in the provision for income taxes 92 161 Tax credits and other tax benefits recognized in the provision for income taxes 128 222 Investments in private equity and similar investments 359 329 Future funding commitments to consolidated private equity funds 176 202 Effective January 1, 2015, BB&T adopted new guidance related to i nvestments in q ualif i ed a ffordable housing p rojects and elected the proportional amortization method to account for these investments. The following table summarizes the impact to certain previously reported amounts . Three Months Ended June 30, 2014 Six Months Ended June 30, 2014 (Dollars in millions) Increase in other income $ 42 $ 76 Increase in provision for income taxes (43) (82) Decrease in net income and net income available to common shareholders $ (1) $ (6) Decrease in diluted EPS $ ― $ (0.01) January 1, 2015 2014 (Dollars in millions) Decrease to retained earnings $ (49) $ (29) L egal Proceedings The nature of BB&T's business ordinarily results in a certain amount of claims, litigation, investigations and legal and administrative cases and proceedings, all of which are considered incidental to the normal conduct of business . BB&T believes it has meritorious defenses to the claims asserted against it in its currently outstanding legal proceedings and, with respect to such legal proceedings, intends to continue to defend itself vigorously, litigating or settling cases according to management's judgment as to what is in the best interests of BB&T and its shareholders. On at least a quarterly basis, liabilities and contingencies in connection with outstanding legal proceedings are assessed utilizing the latest information available . For those matters where it is probable that BB&T will incur a loss and the amount of the loss can be reasonably estimated, a liability is recorded in the consolidated financial statements . These legal reserves may be increased or decreased to reflect any relevant developments on at least a quarterly basis . For other matters, where a loss is not probable or the amount of the loss is not estimable, legal reserves are not accrued . While the outcome of legal proceedings is inherently uncertain, based on information currently available, advice of counsel and available insurance covera ge, management believes that the established legal reserves are adequate and the liabilities arising from legal proceedings will not have a material adverse effect on the consolidated financial position, consolidated results of operations or consolidated cash flows . However, in the event of unexpected future developments, it is possible that the ultimate resolution of these matters, if unfavorable, may be material to the consolidated financial position, consolidated results of operations or consolidated cash flows of BB&T . Pledged Assets Certain assets were pledged to secure municipal deposits, securities sold under agreements to repurchase, borrowings, and borrowing capacity , subject to certain limit s , at the FHLB and FRB as well as for other purposes as required or permitted by law. The following table provides the total carrying amount of pledged assets by asset type, of which the majority are pursuant to agreements that do not permit the other party to sell or repledge the collatera l. Assets related to employee benefit plans have been excluded from the following table. June 30, December 31, 2015 2014 (Dollars in millions) Pledged securities $ 14,284 $ 14,636 Pledged loans 66,890 67,248

Fair Value Disclosures

Fair Value Disclosures	6 Months Ended
	Jun. 30, 2015
Fair Value Disclosures
Fair Value Disclosures	NOTE 14 . Fair Value Disclosures Accounting standards define fair value as the exchange price that would be received on the measurement date to sell an asset or the price paid to transfer a liability in the principal or most advantageous market available to the entity in an orderly transaction between market participants , with a three level valuation input hierarchy. The following tables present fair value information for assets and liabilities measured at fair value on a recurring basis: June 30, 2015 Total Level 1 Level 2 Level 3 (Dollars in millions) Assets: Trading securities $ 720 $ 315 $ 405 $ ― AFS securities: U.S. Treasury 1,385 ― 1,385 ― Agency MBS 16,434 ― 16,434 ― States and political subdivisions 1,959 ― 1,959 ― Non-agency MBS 243 ― 243 ― Other 5 5 ― ― Acquired from FDIC 1,157 ― 469 688 LHFS 2,469 ― 2,469 ― Residential MSRs 912 ― ― 912 Derivative assets: Interest rate contracts 949 ― 938 11 Foreign exchange contracts 6 ― 6 ― Private equity and similar investments 359 ― ― 359 Total assets $ 26,598 $ 320 $ 24,308 $ 1,970 Liabilities: Derivative liabilities: Interest rate contracts $ 774 $ ― $ 761 $ 13 Foreign exchange contracts 4 ― 4 ― Short-term borrowings 196 ― 196 ― Total liabilities $ 974 $ ― $ 961 $ 13 December 31, 2014 Total Level 1 Level 2 Level 3 (Dollars in millions) Assets: Trading securities $ 482 $ 289 $ 193 $ ― AFS securities: U.S. Treasury 1,231 ― 1,231 ― Agency MBS 16,154 ― 16,154 ― States and political subdivisions 1,974 ― 1,974 ― Non-agency MBS 264 ― 264 ― Other 41 6 35 ― Acquired from FDIC 1,243 ― 498 745 LHFS 1,423 ― 1,423 ― Residential MSRs 844 ― ― 844 Derivative assets: Interest rate contracts 1,114 ― 1,094 20 Foreign exchange contracts 8 ― 8 ― Private equity and similar investments 329 ― ― 329 Total assets $ 25,107 $ 295 $ 22,874 $ 1,938 Liabilities: Derivative liabilities: Interest rate contracts $ 1,007 $ ― $ 1,004 $ 3 Foreign exchange contracts 6 ― 6 ― Short-term borrowings 148 ― 148 ― Total liabilities $ 1,161 $ ― $ 1,158 $ 3 The following discussion focuses on the valuation techniques and significant inputs for Level 2 and Level 3 assets and liabilities. A third-party pricing service is generally utilized in determining the fair value of the securities portfolio . Management independently evaluate s the f air values provided by the pricing service through comparison s to other third party pricing sources, review of additional information provided by the third party pricing service and other third party sources for selected securities and back-testing to compare the price realized on any security sales to the daily pricing information received from the pricing service. Fair value measurements are derived from market-based pricing matrices that were developed using observable inputs that include benchmark yields, benchmark securities, reported trades, offers, bids, issuer spreads and broker quotes . As described by security type below, additional inputs may be used, or some inputs may not be applicable . In the event that market observable data was not available, which would generally occur due to the lack of an active market for a given security, the valuation of the security would be subjective and may involve substantial judgment by management. Trading securities: T rading securities include various types of debt and equity securities, primarily consisting of debt securities issued by the U.S. Treasury, GSEs, or states and political subdivisions . The valuation techniques used for these investments are more fully discussed below. U.S. Treasury s ecurities: Treasury securities are valued using quoted prices in active over the counter markets. GSE securities and Agency MBS : G SE pass-through securities are valued using market-based pricing matrices that are based on observable inputs including benchmark TBA security pricing and yield curves that were estimated based on U.S. Treasury yields and certain floating rate indices . The pricing matrices for these securities may also give consideration to pool-specific data supplied directly by the GSE . GSE CMOs are valued using market-based pricing matrices that are based on observable inputs including offers, bids, reported trades, dealer quotes and market research reports, the characteristics of a specific tranche, market convention prepayment speeds and benchmark yield curves as described above. States and political subdivisions: T hese securities are valued using market-based pricing matrices that are based on observable inputs including MSRB reported trades, issuer spreads, material event notices and benchmark yield curves. Non-agency MBS : Pr icing matrices for these securities are based on observable inputs including offers, bids, reported trades, dealer quotes and market research reports, the characteristics of a specific tranche, market convention prepayment speeds and benchmark yield curves as described above. Other securities: T hese securities consist primarily of mutual funds and corporate bonds . These securities are valued based on a review of quoted market prices for assets as well as through the various other inputs discussed previously. Acquired from FDIC securities: S ecurities acquired from the FDIC consist of re- remic non-agency MBS , municipal securities and non-agency MBS . S tate and p olitical subdivision securities and certain non-agency MBS acquired from the FDIC are valued in a manner similar to the approach described above for tho se asset classes . The re- remic non-agency MBS , whic h are categorized as Level 3, a re valued based on broker dealer quotes that reflected certain unobservable market inputs . LHFS: C ertain mortgage loans are originated to be sold to investors , which are carried at fair value . The fair value is primarily based on quoted market prices for securities backed by similar types of loans . The changes in fair value of these assets are largely driven by changes in interest rates subsequent to loan funding and changes in the fair value of servicing associated with the mortgage LHFS . Residential MSRs: R esidential MSRs are valued using an OA S valuation model to project cash flows over multiple interest rate scenarios, which are then discounted at risk-adjusted rates . The model considers portfolio characteristics, contractually specified servicing fees, prepayment assumptions, delinquency rates, late charges, other ancillary revenue, costs to service and other economic factors . Fair value estimates and assumptions are compared to industry surveys, recent market activity, actual portfolio experience and, when available, other observable market data. Derivative assets and liabilities: T he fair values of derivative s are determined based on quoted market prices and internal pricing models that are primarily sensitive to market observable data . The fair values of interest rate lock commitments, which are related to mortgage loan commitments and are categorized as Level 3, are based on quoted market prices adjusted for commitments that are not expect ed to fund and include the value attributable to the net servicing fees . Private equity and similar investments: P rivate equity and similar investments are measured at fair value based on the investment's net asset value . In many cases there are no observable market values for these investments and therefore management must estimate the fair value based on a comparison of the operating performance of the company to multiples in the marketplace for similar entities . This analysis requires significant judgment , and actual values in a sale could differ materially from those estimated. Short-term borrowings: S hort-term borrowings represent debt securities sold short that are entered into as a hedging strategy for the purposes of supporting institutional and retail client trading activities . The following tables summarize activity for Level 3 assets and liabilities: Three Months Ended June 30, 2015 Acquired from FDIC Securities Residential MSRs Net Derivatives Private Equity and Similar Investments (Dollars in millions) Balance at April 1, 2015 $ 719 $ 764 $ 23 $ 366 Total realized and unrealized gains (losses): Included in earnings: Interest income 5 ― ― ― Mortgage banking income ― 140 20 ― Other noninterest income ― ― 2 3 Included in unrealized net holding gains (losses) in OCI (11) ― ― ― Purchases ― ― ― 13 Issuances ― 42 3 ― Sales ― ― ― (10) Settlements (25) (34) (50) (13) Balance at June 30, 2015 $ 688 $ 912 $ (2) $ 359 Change in unrealized gains (losses) included in earnings for the period, attributable to assets and liabilities still held at June 30, 2015 $ 5 $ 140 $ 4 $ (1) Three Months Ended June 30, 2014 Acquired from FDIC Securities Residential MSRs Net Derivatives Private Equity and Similar Investments (Dollars in millions) Balance at April 1, 2014 $ 832 $ 1,008 $ 4 $ 328 Total realized and unrealized gains (losses): Included in earnings: Interest income 2 ― ― ― Mortgage banking income ― (54) 29 ― Other noninterest income ― ― ― 9 Included in unrealized net holding gains (losses) in OCI 3 ― ― ― Purchases ― ― ― 14 Issuances ― 33 28 ― Sales ― ― ― (29) Settlements (27) (33) (37) (1) Transfers into Level 3 ― ― ― 1 Balance at June 30, 2014 $ 810 $ 954 $ 24 $ 322 Change in unrealized gains (losses) included in earnings for the period, attributable to assets and liabilities still held at June 30, 2014 $ 2 $ (54) $ 24 $ (6) Private Acquired Equity and from FDIC Residential Net Similar Six Months Ended June 30, 2015 Securities MSRs Derivatives Investments (Dollars in millions) Balance at January 1, 2015 $ 745 $ 844 $ 17 $ 329 Total realized and unrealized gains (losses): Included in earnings: Interest income 16 ― ― ― Mortgage banking income ― 69 48 ― Other noninterest income ― ― (2) 19 Included in unrealized net holding gains (losses) in OCI (25) ― ― ― Purchases ― ― ― 55 Issuances ― 68 41 ― Sales ― ― ― (29) Settlements (48) (69) (106) (15) Balance at June 30, 2015 $ 688 $ 912 $ (2) $ 359 Change in unrealized gains (losses) included in earnings for the period, attributable to assets and liabilities still held at June 30, 2015 $ 16 $ 69 $ ― $ 15 Private Acquired Equity and from FDIC Residential Net Similar Six Months Ended June 30, 2014 Securities MSRs Derivatives Investments (Dollars in millions) Balance at January 1, 2014 $ 861 $ 1,047 $ (11) $ 291 Total realized and unrealized gains (losses): Included in earnings: Interest income 17 ― ― ― Mortgage banking income ― (97) 44 ― Other noninterest income ― ― ― 12 Included in unrealized net holding gains (losses) in OCI (15) ― ― ― Purchases ― ― ― 52 Issuances ― 66 40 ― Sales ― ― ― (30) Settlements (53) (62) (49) (4) Transfers into Level 3 ― ― ― 1 Balance at June 30, 2014 $ 810 $ 954 $ 24 $ 322 Change in unrealized gains (losses) included in earnings for the period, attributable to assets and liabilities still held at June 30, 2014 $ 17 $ (97) $ 24 $ (4) BB&T's policy is to recognize transfers in and transfers out of Levels 1, 2 and 3 as of the end of a reporting period . The majority of private eq uity and similar investments are in SBIC qualified funds, which primarily focus on equity and subordinated debt investments in privately-held middle market companies . The majority of these investments are not redeemable and distributions are received as the underlying assets of the funds liquidate . The timing of distributions, which are expected to occur on various dates throu gh 2 025 , is uncertain and dependent on various events such as recapitalizations, refinance transactions and ownership changes among others . Excluding the investment of future funds, these investments have a n estimated weighted average remaining life of approximately two years; however, the timing and amount of distributions may vary significantly . R estrictions on the ability to sell the investments include, but are not limited to, consent of a majority member or general partner approval for transfer of ownership . These investments are spread over numerous privately-held middle market companies, and thus the sensitivity to a change in fair value for any single investment is limited . The significant unobservable inputs for these investments are EBITDA multiples that ranged from 5 x to 11 x, with a weighted average of 8 x, at June 30, 2015. The following table details the fair value and UPB of LHFS that were elected to be carried at fair value: June 30, 2015 December 31, 2014 Fair Aggregate Fair Aggregate Value UPB Difference Value UPB Difference (Dollars in millions) LHFS reported at fair value $ 2,469 $ 2,468 $ 1 $ 1,423 $ 1,390 $ 33 Excluding government guaranteed , LHFS that were nonaccrual or 90 days or more past due and still accruing interest were not material at June 30, 2015 . The following table provides information about certain financial assets measured at fair value on a nonrecurring basis, which are primarily collateral dependent and may be subject to liquidity adjustments. The carrying values represent end of period values, which approximate the fair value measurements that occurred on the various measurement dates throughout the period. The valuation adjustments represent the amounts recorded during the period regardless of whether the asset is still held at period end. These assets are considered to be Level 3 assets (excludes acquired from FDIC). June 30, 2015 June 30, 2014 Valuation Adjustments Valuation Adjustments Carrying Value Three Months Ended Six Months Ended Carrying Value Three Months Ended Six Months Ended (Dollars in millions) Impaired loans $ 114 $ (1) $ (13) $ 213 $ (19) $ (37) Foreclosed real estate 86 (43) (83) 56 (27) (86) For financial instruments not record ed at fair value, estimates of fair value are based on relevant market data and information about the instrument and are based on the value of one trading unit without regard to any premium or discount that may result from concentrations of ownership, possible tax ramifications, estimated transaction costs that may result from bulk sales or t he relationship between various instruments . An active market does not exist for certain financial instruments . Fair value estimates for these instruments are based on current economic conditions, currency and interest rate risk characteristics, loss experience and other factors . Many of these estimates involve uncertainties and matters of significant judgment and cannot be determined with precis ion . Therefore, the fair value estimates in many instances cannot be substantiated by comparison to independent markets and, in many cases, may not be realizable in a current sale of the instrument . In addition, changes in assumptions could significantly affect these fair value estimates . The following assumptions were used to estimate the fair value of these financial instruments. Cash and cash equivalents and restricted cash : For these short-term instruments, the carrying amounts are a reasonable estimate of fair values . HTM securities: The fair values of HTM securities are based on a market approach using observable inputs such as benchmark yields and securities, TBA prices, reported trades, issuer spreads, current bids and offers, monthly payment information and collateral performance. Loans receivable : The fair values for loans are estimated using discounted cash flow analyses, applying interest rates currently being offered for loans with similar terms and credit quality, which are deemed to be indicative of orderly transactions in the current market . For commercial loans and leases, discount rates may be adjusted to address additional credit risk on lower risk grade instruments . For residential mortgage and other consumer loans, internal prepayment risk models are used to adjust contractual cash flows . Loans are aggregated into pools of similar terms and credit quality and discounted using a LIBOR based rate . The carrying amounts of accrued interest approximate fair values. FDIC loss share receivable and payable : The fair value s of th e receivable and payable are estimated using discounted cash flow analyses, applying a risk free interest rate that is adjusted for the uncertainty in the timing and amount of the cash flows . The expected cash flows to/from the FDIC related to loans were estimated using the same assumptions that were used in determining the accounting values for the related loans . The expected cash flows to/from the FDIC related to securities are based upon the fair value of the related securities and the payment that would be required if the securities were sold for that amount . The loss share agreements are not transferrable and, accordingly, there is no market for the receivable or payable . Deposit liabilities : The fair values for demand deposits are equal to the amount payable on demand . Fair values for CDs are estimated using a discounted cash flow calculation that applies current interest rates to aggregate expected maturities . BB&T has developed long-term relationships with its deposit customers, commonly referre d to as CDIs , that ha ve not been considered in the determination of the deposit liabilities' fair value . Short-term borrowings : The carrying amounts of short-term borrowings approximate their fair values. Long-term debt : The fair values of long-term debt instruments are estimated based on quoted market prices for the instrument if available, or for similar instruments if not available, or by using discounted cash flow analyses, based on current incremental borrowing rates for similar types of instruments. Contractual commitments : The fair values of commitments are estimated using the fees charged to enter into similar agreements, taking into account the remaining terms of the agreements and the present creditworthiness of the counterparties . The fair values of guarantees and letters of credit are estimated based on the counterparties' creditworthiness and average default rates for loan products with similar risks . These respective fair value measurements are categorized within Level 3 of the fair value hierarchy . R etail lending commitments are assigned no fair value as BB&T typically has the ability to cancel such commitments by providing notice to the borrower . Financial assets and liabilities not recorded at fair value are summarized below: Carrying Total June 30, 2015 Amount Fair Value Level 2 Level 3 (Dollars in millions) Financial assets: HTM securities $ 19,437 $ 19,455 $ 19,455 $ ― Loans and leases HFI, net of ALLL 120,844 120,646 ― 120,646 FDIC loss share receivable 383 59 ― 59 Financial liabilities: Deposits 132,783 132,948 132,948 ― FDIC loss share payable 695 694 ― 694 Long-term debt 23,271 23,762 23,762 ― Carrying Total December 31, 2014 Amount Fair Value Level 2 Level 3 (Dollars in millions) Financial assets: HTM securities $ 20,240 $ 20,313 $ 20,313 $ ― Loans and leases HFI, net of ALLL 118,410 118,605 ― 118,605 FDIC loss share receivable 534 123 ― 123 Financial liabilities: Deposits 129,040 129,259 129,259 ― FDIC loss share payable 697 696 ― 696 Long-term debt 23,312 24,063 24,063 ― The following is a summary of selected information pertaining to off-balance sheet financial instruments: June 30, 2015 December 31, 2014 Notional/ Notional/ Contract Contract Amount Fair Value Amount Fair Value (Dollars in millions) Commitments to extend, originate or purchase credit $ 54,071 $ 108 $ 49,333 $ 97 Residential mortgage loans sold with recourse 619 9 667 9 Other loans sold with recourse 4,425 8 4,264 7 Letters of credit and financial guarantees 3,353 24 3,462 22

Derivative Financial Instrument

Derivative Financial Instruments	6 Months Ended
	Jun. 30, 2015
Derivative Financial Instruments
Derivative Financial Instruments	NOTE 15. Derivative Financial Instruments Derivative Classifications and Hedging Relationships June 30, 2015 December 31, 2014 Hedged Item or Notional Fair Value Notional Fair Value Transaction Amount Gain Loss Amount Gain Loss (Dollars in millions) Cash flow hedges: Interest rate contracts: Pay fixed swaps 3 mo. LIBOR funding $ 9,300 $ ― $ (138) $ 9,300 $ ― $ (289) Fair value hedges: Interest rate contracts: Receive fixed swaps Long-term debt 11,902 273 ― 11,902 269 (5) Pay fixed swaps Commercial loans 216 ― (3) 161 ― (3) Pay fixed swaps Municipal securities 314 ― (108) 336 ― (126) Total 12,432 273 (111) 12,399 269 (134) Not designated as hedges: Client-related and other risk management: Interest rate contracts: Receive fixed swaps 7,747 315 (2) 7,995 350 (3) Pay fixed swaps 7,830 2 (337) 8,163 1 (375) Other swaps 1,177 3 (6) 1,372 5 (7) Other 383 1 (2) 528 1 (1) Forward commitments 10,382 16 (20) 5,326 10 (12) Foreign exchange contracts 662 6 (4) 571 8 (6) Total 28,181 343 (371) 23,955 375 (404) Mortgage banking: Interest rate contracts: Interest rate lock commitments 2,581 11 (8) 1,566 20 ― When issued securities, forward rate agreements and forward commitments 4,769 37 (13) 2,623 3 (25) Other 995 5 (2) 916 7 ― Total 8,345 53 (23) 5,105 30 (25) MSRs: Interest rate contracts: Receive fixed swaps 2,521 54 (48) 4,119 215 (1) Pay fixed swaps 2,885 3 (55) 4,362 1 (124) Option trades 9,970 228 (26) 9,350 229 (36) When issued securities, forward rate agreements and forward commitments 2,571 1 (6) 3,731 3 ― Total 17,947 286 (135) 21,562 448 (161) Total derivatives not designated as hedges 54,473 682 (529) 50,622 853 (590) Total derivatives $ 76,205 955 (778) $ 72,321 1,122 (1,013) Gross amounts not offset in the Consolidated Balance Sheets: Amounts subject to master netting arrangements not offset due to policy election (444) 444 (629) 629 Cash collateral (received) posted (218) 293 (190) 342 Net amount $ 293 $ (41) $ 303 $ (42) The fair value s of derivatives in a gain or loss position are presented on a gross basis in other assets or other liabilities, respectively, i n the Consolidated Balance Sheets . C ash collateral posted for derivative s in a loss position is reported as r estricted cash . Derivatives with dealer counterparties at both the bank and the parent company are governed by the terms of ISDA M aster netting agreements and Credit Support Annexes . The ISDA Master agreements allow counterparties to offset trades in a gain against trades in a loss to determine net exposure and allows for the right of setoff in the event of either a default or an additional termination event. Credit Support Annexes govern the terms of daily collateral posting practices . Collateral practices mitigate the potential loss impact t o affected parties by requiring liquid collateral to be posted on a scheduled basis to secure the aggregate net unsecured exposure. In addition to collateral, the right of setoff allows counterparties to offset net derivative values with a defaulting party against certain other contractual receivables from or obligations due to the defaulting party in determining the net termination amount . No portion of the change in fair value of derivatives designated as hedges has been exclu ded from effectiveness testing . The ineffective portion was immaterial for all periods presented . The Effect of Derivative Instruments on the Consolidated Statements of Income Three Months Ended June 30, 2015 and 2014 Effective Portion Pre-tax Gain Pre-tax Gain (Loss) (Loss) Recognized Reclassified from in AOCI Location of Amounts AOCI into Income 2015 2014 Reclassified from AOCI into Income 2015 2014 (Dollars in millions) Cash flow hedges: Interest rate contracts $ 95 $ (22) Total interest expense $ (21) $ (19) Pre-tax Gain (Loss) Recognized Location of Amounts in Income Recognized in Income 2015 2014 (Dollars in millions) Fair value hedges: Interest rate contracts Total interest income $ (5) $ (6) Interest rate contracts Total interest expense 68 57 Total $ 63 $ 51 Not designated as hedges: Client-related and other risk management: Interest rate contracts Other noninterest income $ 11 $ 5 Foreign exchange contracts Other noninterest income (1) (1) Mortgage banking: Interest rate contracts Mortgage banking income 13 (17) MSRs: Interest rate contracts Mortgage banking income (119) 60 Total $ (96) $ 47 The Effect of Derivative Instruments on the Consolidated Statements of Income Six Months Ended June 30, 2015 and 2014 Effective Portion Pre-tax Gain Pre-tax Gain (Loss) (Loss) Recognized Location of Amounts Reclassified from in AOCI Reclassified from AOCI AOCI into Income 2015 2014 into Income 2015 2014 (Dollars in millions) Cash Flow Hedges: Interest rate contracts $ (12) $ (25) Total interest expense $ (42) $ (40) Effective Portion Pre-tax Gain Location of Amounts (Loss) Recognized Recognized in Income in Income 2015 2014 (Dollars in millions) Fair Value Hedges: Interest rate contracts Total interest income $ (10) $ (11) Interest rate contracts Total interest expense 136 110 Total $ 126 $ 99 Not Designated as Hedges: Client-related and other risk management: Interest rate contracts Other noninterest income $ 12 $ 10 Foreign exchange contracts Other noninterest income 9 3 Mortgage Banking: Interest rate contracts Mortgage banking income 20 (27) MSRs: Interest rate contracts Mortgage banking income (38) 105 Total $ 3 $ 91 The following table provides a summary of derivative strategies and the related accounting treatment: Cash Flow Hedges Fair Value Hedges Derivatives Not Designated as Hedges Risk exposure Variability in cash flows of interest payments on floating rate business loans, overnight funding and various LIBOR funding instruments. Losses in value on fixed rate long-term debt, CDs, FHLB advances, loans and state and political subdivision securities due to changes in interest rates. Risk associated with an asset or liability, including mortgage banking operations and MSRs, or for client needs. Includes exposure to changes in market rates and conditions subsequent to the interest rate lock and funding date for mortgage loans originated for sale. Risk management objective Hedge the variability in the interest payments and receipts on future cash flows for forecasted transactions related to the first unhedged payments and receipts of variable interest. Convert the fixed rate paid or received to a floating rate, primarily through the use of swaps. For interest rate lock commitment derivatives and LHFS, use mortgage-based derivatives such as forward commitments and options to mitigate market risk. For MSRs, mitigate the income statement effect of changes in the fair value of the MSRs. Treatment for portion that is highly effective Recognized in OCI until the related cash flows from the hedged item are recognized in earnings. Recognized in current period income along with the corresponding changes in the fair value of the designated hedged item attributable to the risk being hedged. Entire change in fair value recognized in current period income. Treatment for portion that is ineffective Recognized in current period income. Recognized in current period income. Not applicable Treatment if hedge ceases to be highly effective or is terminated Hedge is dedesignated. Effective changes in value that are recorded in OCI before dedesignation are amortized to yield over the period the forecasted hedged transactions impact earnings. If hedged item remains outstanding, termination proceeds are included in cash flows from financing activities and effective changes in value are reflected as part of the carrying value of the financial instrument and amortized to earnings over its estimated remaining life. Not applicable Treatment if transaction is no longer probable of occurring during forecast period or within a short period thereafter Hedge accounting is ceased and any gain or loss in OCI is reported in earnings immediately. Not applicable Not applicable The following table presents information about BB&T's cash flow and fair value hedges: June 30, December 31, 2015 2014 (Dollars in millions) Cash flow hedges: Net unrecognized after-tax loss on active hedges recorded in AOCI $ (87) $ (181) Net unrecognized after-tax gain on terminated hedges recorded in AOCI (to be recognized in earnings through 2022) 51 127 Estimated portion of net after-tax loss on active and terminated hedges to be reclassified from AOCI into earnings during the next 12 months (47) (51) Maximum time period over which BB&T has hedged a portion of the variability in future cash flows for forecasted transactions excluding those transactions relating to the payment of variable interest on existing instruments 7 yrs 8 yrs Fair value hedges: Unrecognized pre-tax net gain on terminated hedges (to be recognized as interest primarily through 2019) $ 177 $ 227 Portion of pre-tax net gain on terminated hedges to be recognized as a change in interest during the next 12 months 76 88 Derivatives Credit Risk – Dealer Counterparties Credit risk related to derivatives arises when amounts receivable from a counterparty exceed those payable to the same counterparty . T he risk of loss is addressed by subjecting dealer counterparties to credit reviews and approvals similar to those used in making loans or other extensions of credit and by requiring collateral . Dealer counterparties operate under agreements to provide cash and/or liquid collateral when unsecured loss positions exceed negotiated limits. D erivative contracts with dealer counterparties settle on a monthly, quarterly or semiannual basis, with daily movement of collateral between counterparties required within established netting agreements . BB&T only transacts with dealer counterparties that are national market makers with strong credit standing s . Derivatives Credit Risk – Central Clearing Parties C ertain derivatives are cleared through central clearing parties that require initial margin collateral, as well as collateral for trades in a net loss position . Initial margin collateral requirements are established by central clearing parties on varying bases, with such amounts generally designed to offset the risk of non-payment . Initial margin is generally calculated by applying the maximum loss experienced in value over a specified time horizon to the portfolio of existing trades . The central clearing party used for TBA transactions does not post variation margin to the bank . June 30, December 31, 2015 2014 (Dollars in millions) Cash collateral received from dealer counterparties $ 217 $ 191 Derivatives in a net gain position secured by that collateral 222 201 Unsecured positions in a net gain with dealer counterparties after collateral postings 4 10 Cash collateral posted to dealer counterparties 176 227 Derivatives in a net loss position secured by that collateral 176 231 Additional collateral that would have been posted had BB&T's credit ratings dropped below investment grade 2 3 Derivatives in a net gain position with central clearing parties 19 ― Cash collateral, including initial margin, posted to central clearing parties 130 114 Derivatives in a net loss position secured by that collateral 122 129 Securities pledged to central clearing parties 195 116

Computation of Earnings Per Sha

Computation of Earnings Per Share	6 Months Ended
	Jun. 30, 2015
Computation of EPS
Computation of Earnings Per Share	NOTE 16. Computation of EPS Basic and diluted EPS calculations are presented in the following table: Three Months Ended June 30, Six Months Ended June 30, 2015 2014 2015 2014 (Dollars in millions, except per share data, shares in thousands) Net income available to common shareholders $ 454 $ 424 $ 942 $ 920 Weighted average number of common shares 724,880 719,080 723,268 715,978 Effect of dilutive outstanding equity-based awards 9,647 9,372 9,734 10,410 Weighted average number of diluted common shares 734,527 728,452 733,002 726,388 Basic EPS $ 0.63 $ 0.59 $ 1.30 $ 1.29 Diluted EPS $ 0.62 $ 0.58 $ 1.29 $ 1.27 Anti-dilutive awards 8,344 14,379 9,938 14,815

Operating Segments

Operating Segments	6 Months Ended
	Jun. 30, 2015
Operating Segments
Operating Segments	NOTE 17. Operating Segments A s a result of new qualified mortgage regulations , d uring January 2014 approximately $8.3 billion of closed-end, first and second lien position residential mortgage loans were transferred from Community Banking to Residential Mortgage Banking based on a change in how these loans are managed . In addition , $319 million of related goodwill was also transferred. Reportable Segments Three Months Ended June 30, 2015 and 2014 Community Residential Dealer Specialized Banking Mortgage Banking Financial Services Lending 2015 2014 2015 2014 2015 2014 2015 2014 (Dollars in millions) Net interest income (expense) $ 432 $ 430 $ 343 $ 375 $ 216 $ 207 $ 154 $ 143 Net intersegment interest income (expense) 304 298 (227) (250) (38) (39) (43) (34) Segment net interest income 736 728 116 125 178 168 111 109 Allocated provision for loan and lease losses 11 35 3 (1) 48 31 7 13 Noninterest income 291 301 101 68 ― ― 74 51 Intersegment net referral fees (expense) 38 28 ― ― ― ― ― ― Noninterest expense 385 384 76 206 41 28 67 52 Amortization of intangibles 7 7 ― ― ― ― 1 1 Allocated corporate expenses 293 286 22 21 10 7 15 15 Income (loss) before income taxes 369 345 116 (33) 79 102 95 79 Provision (benefit) for income taxes 135 126 44 (12) 30 39 25 19 Segment net income (loss) $ 234 $ 219 $ 72 $ (21) $ 49 $ 63 $ 70 $ 60 Identifiable assets (period end) $ 56,911 $ 54,709 $ 34,218 $ 36,448 $ 13,906 $ 12,513 $ 19,561 $ 17,666 Other, Treasury Total BB&T Insurance Services Financial Services and Corporate (1) Corporation 2015 2014 2015 2014 2015 2014 2015 2014 (Dollars in millions) Net interest income (expense) $ ― $ 1 $ 53 $ 45 $ 114 $ 142 $ 1,312 $ 1,343 Net intersegment interest income (expense) 1 2 74 64 (71) (41) ― ― Segment net interest income 1 3 127 109 43 101 1,312 1,343 Allocated provision for loan and lease losses ― ― 23 3 5 (7) 97 74 Noninterest income 425 424 209 189 (81) (75) 1,019 958 Intersegment net referral fees (expense) ― ― 6 4 (44) (32) ― ― Noninterest expense 310 308 178 163 573 370 1,630 1,511 Amortization of intangibles 11 14 ― ― 4 1 23 23 Allocated corporate expenses 25 19 32 30 (397) (378) ― ― Income (loss) before income taxes 80 86 109 106 (267) 8 581 693 Provision (benefit) for income taxes 27 29 41 39 (222) (24) 80 216 Segment net income (loss) $ 53 $ 57 $ 68 $ 67 $ (45) $ 32 $ 501 $ 477 Identifiable assets (period end) $ 2,907 $ 3,015 $ 14,486 $ 11,972 $ 49,028 $ 51,720 $ 191,017 $ 188,043 (1) Includes financial data from subsidiaries below the quantitative and qualitative thresholds requiring disclosure. Reportable Segments Six Months Ended June 30, 2015 and 2014 Community Residential Dealer Specialized Banking Mortgage Banking Financial Services Lending 2015 2014 2015 2014 2015 2014 2015 2014 (Dollars in millions) Net interest income (expense) $ 858 $ 854 $ 684 $ 753 $ 428 $ 409 $ 301 $ 281 Net intersegment interest income (expense) 588 597 (459) (501) (75) (77) (85) (68) Segment net interest income 1,446 1,451 225 252 353 332 216 213 Allocated provision for loan and lease losses 24 51 (9) (21) 109 104 26 22 Noninterest income 562 581 185 128 ― 1 138 100 Intersegment net referral fees (expense) 68 55 ― 1 ― ― ― ― Noninterest expense 756 766 156 292 73 57 126 103 Amortization of intangibles 13 15 ― ― ― ― 2 2 Allocated corporate expenses 584 571 44 42 19 14 30 29 Income (loss) before income taxes 699 684 219 68 152 158 170 157 Provision (benefit) for income taxes 255 250 83 26 58 60 43 38 Segment net income (loss) $ 444 $ 434 $ 136 $ 42 $ 94 $ 98 $ 127 $ 119 Identifiable assets (period end) $ 56,911 $ 54,709 $ 34,218 $ 36,448 $ 13,906 $ 12,513 $ 19,561 $ 17,666 Other, Treasury Total BB&T Insurance Services Financial Services and Corporate (1) Corporation 2015 2014 2015 2014 2015 2014 2015 2014 (Dollars in millions) Net interest income (expense) $ 1 $ 1 $ 102 $ 87 $ 250 $ 305 $ 2,624 $ 2,690 Net intersegment interest income (expense) 3 3 146 127 (118) (81) ― ― Segment net interest income 4 4 248 214 132 224 2,624 2,690 Allocated provision for loan and lease losses ― ― 47 3 (1) (25) 196 134 Noninterest income 867 855 408 367 (144) (147) 2,016 1,885 Intersegment net referral fees (expense) ― ― 11 8 (79) (64) ― ― Noninterest expense 612 611 341 311 967 733 3,031 2,873 Amortization of intangibles 23 27 1 1 5 1 44 46 Allocated corporate expenses 50 36 63 60 (790) (752) ― ― Income (loss) before income taxes 186 185 215 214 (272) 56 1,369 1,522 Provision (benefit) for income taxes 61 53 81 80 (260) (35) 321 472 Segment net income (loss) $ 125 $ 132 $ 134 $ 134 $ (12) $ 91 $ 1,048 $ 1,050 Identifiable assets (period end) $ 2,907 $ 3,015 $ 14,486 $ 11,972 $ 49,028 $ 51,720 $ 191,017 $ 188,043 (1) Includes financial data from subsidiaries below the quantitative and qualitative thresholds requiring disclosure.

Summary of Significant Accoun25

Summary of Significant Accounting Policies (Policy)	6 Months Ended
	Jun. 30, 2015
Summary of Significant Accounting Policies
General	See the Glossary of Defined Terms at the beginning of this Report for terms used throughout the consolidated financial statements and related notes of this Form 10- Q. General These consolidated financial statements and notes are presented in accordance with the instructions for Form 10-Q and, therefore, do not include all information and notes necessary for a complete presentation of financial position, results of operations and cash flow activity required in accordance with GAAP . In the opinion of management, all normal recurring adjustments necessary for a fair statement of the consolidated financial position and consolidated results of operations have been made . The year-end consolidated balance sheet data was derived from audited financial statements but does not include all disclosures required by GAAP . The information contained in the financial statements and notes included in the Annual Report on Form 10-K for the year ended December 31, 2014 should be referred to in connection with these unaudited interim consolidated financial statements.
Reclassifications	Reclassifications C ertain amounts reported in prior periods' consolidated financial statements have been reclassified to conform to the current presentation . Such reclassifications had no effect on previously reported cash flows, shareholders' equity or net income.
Use of Estimates in the Preparation of Financial Statements	Use of Estimates in the Preparation of Financial Statements The preparation of financial statements in conformity with GAAP requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities as of the date of the financial statements and the reported amounts of revenues and expenses during the reporting periods . Actual results could differ from those estimates . Material estimates that are particularly susceptible to significant change include the determination of the ACL , determination of fair value for financial instruments, valuation of goodwill, intangible assets and other purchase accounting related adjustments, benefit plan obligations and expenses, and tax assets, liabilities and expens e.
Changes in Accounting Principles and Effects of New Accounting Pronouncements	Changes in Accounting Principles and Effects of New Accounting Pronouncements In May 2015, the FASB issued new guidance related to Insurance . The new guidance requires insurance companies to provide additional disclosures about the liability for unpaid claims and claim adjustment expenses. This guidance is effective for annual periods beginning after December 15, 2015. BB&T's insurance operations primarily consist of agency/broker transactions ; therefore , the adoption of this guidance is not expected to be material to the consolidated financial statements. In May 2015, the FASB issued new guidance related to Fair Value Measurement . The new guidance eliminates the requirement to classify in the fair value hierarchy any investments for which fair value is measured at net asset value per share using the practical expedient. This guidance is effective for fiscal years beginning after December 15, 2015 and interim periods within those fiscal years. The adoption of this guidance is not expected to be material to the consolidated financial statements. In April 2015, the FASB issued new guidance related to Internal-Use Software . Under the new guidance, if a cloud computing arrangement includes a software license, then the customer should account for the software license element of the arrangement consistent with the acquisition of other software licenses. If a cloud computing arrangement does not include a software license, the customer should account for the arrangement as a service contract. This guidance is effective for fiscal years beginning after December 15, 2015 and interim periods within those fiscal years. The Company is currently evaluating this guidance to determine the impact on its consolidated financial statements. In April 2015, the FASB issued new guidance related to Debt Issuance Costs . The new guidance requires that debt issuance costs related to a recognized debt liability be presented in the balance sheet as a direct deduction from the carrying amount of that debt liability. This guidance is effective for fiscal years beginning after December 15, 2015 and interim periods within those fiscal years. The adoption of this guidance is not expected to be material to the consolidated financial statements. In February 2015, the FASB issued new guidance related to Consolidation . The new guidance provides an additional requirement for a limited partnership or similar entity to qualify as a voting interest entity , amending the criteria for consolidating such an entity and eliminating the deferral provided under previous guidance for investment companies. In addition, the new guidance amends the criteria for evaluating fees paid to a decision maker or service provider as a variable interest and amends the criteria for evaluating the effect of fee arrangements and related parties on a VIE primary beneficiary determination. This guidance is effective for interim and annual reporting periods b eginning after December 15, 2015. The Company is currently evaluating this guidance to determine the impact on its consolidated financial statements. In May 2014, the FASB issued new guidance related to Revenue from Contracts with Customers . This guidance supersedes the revenue recognition requirements in Accounting Standards Codification Topic 605, Revenue Recognition , and most industry-specific guidance throughout the Accounting Standards Codification. The guidance requires an entity to recognize revenue to depict the transfer of promised goods or services to customers in an amount that reflects the consideration to which the company expects to be entitled in exchange for t hose goods or services. This guidance is effective for interim and annual reporting periods beginning after December 15, 2016 ; however, the FASB has proposed a one year deferral of the effective date . The Company is currently evaluating this guidance to determine the impact on its consolidated financial statements. Effective January 1, 2015, the Company adopted new guidance related to Receivables . The new guidance requires that a government guaranteed mortgage loan be derecognized and that a separate other receivable be recognized upon foreclosure if certain conditions are met. The adoption of this guidance was not material to the consolidated financial statements. Effective January 1, 2015, the Company adopted new guidance related to Repurchase-to-Maturity Transactions and Repurchase Financings . The new guidance changes the accounting for repurchase-to-maturity transactions to secured borrowing accounting. The guidance also requires separate accounting for a transfer of a financial asset executed contemporaneously with a repurchase agreement with the same counterparty, which results in secured borrowing accounting for the repurchase agreement. The adoption of this guidance was not material to the consolidated financial statements. Effective January 1, 201 5 , the Company adopted new guidance related to Investments in Qualified Affordable Housing Project s. The Company used the retrospective method of adoption and has elected the proportional amortization method to account for these investments. The proportional amortization method allows an entity to amortize the initial cost of the investment in proportion to the amount of tax credits and other tax benefits received and recognize the net investment performance in the income statement as a component of the provision for income taxes. See Note 13 “ Commitments and Contingencies ” for the impact of the adoption of this guidance .

Acquisitions and Divestitures (

Acquisitions and Divestitures (Tables)	6 Months Ended
	Jun. 30, 2015
Acquisitions and Divestitures
Summarized Purchase Price Allocations	The Bank of Kentucky Citi - 41 Branches in Texas Citi - 21 Branches in Texas (Dollars in millions) Period of acquisition Q2 2015 Q1 2015 Q2 2014 Assets acquired: Cash, due from banks and fed funds sold $ 135 $ 14 $ 6 Securities 347 ― ― Loans 1,198 61 112 Goodwill 237 79 29 CDI 14 36 20 Other assets 98 48 16 Total assets acquired 2,029 238 183 Liabilities assumed: Deposits 1,558 1,907 1,228 Debt 73 ― ― Other liabilities 3 ― ― Total liabilities assumed 1,634 1,907 1,228 Consideration paid (received) $ 395 $ (1,669) $ (1,045) Cash paid (received) $ 73 $ (1,669) $ (1,045) Fair value of common stock issued 322 ― ―
Summary information pertaining to the AmRisc/American Coastal Transaction	Purchase of Additional Ownership of AmRisc, LP Sale of American Coastal (Dollars in millions) Fair value of American Coastal $ 216 Fair value of American Coastal $ 216 Cash paid 146 Net assets sold (193) Total consideration 362 Allocated goodwill (49) Deferred tax asset recognized (140) Pre-tax loss on sale (26) Income tax expense (8) Net charge to shareholders' equity $ 222 After-tax net loss on sale $ (34)

Securities (Tables)

Securities (Tables)	6 Months Ended
	Jun. 30, 2015
Securities
Amortized Cost, Gross Unrealized Gains and Losses and Approximate Fair Values of AFS Securities	Amortized Gross Unrealized Fair June 30, 2015 Cost Gains Losses Value (Dollars in millions) AFS securities: U.S. Treasury $ 1,381 $ 5 $ 1 $ 1,385 Agency MBS 16,655 62 283 16,434 States and political subdivisions 1,926 99 66 1,959 Non-agency MBS 217 26 — 243 Other 5 — — 5 Securities acquired from FDIC 833 324 — 1,157 Total AFS securities $ 21,017 $ 516 $ 350 $ 21,183 Amortized Gross Unrealized Fair December 31, 2014 Cost Gains Losses Value (Dollars in millions) AFS securities: U.S. Treasury $ 1,230 $ 1 $ — $ 1,231 Agency MBS 16,358 93 297 16,154 States and political subdivisions 1,913 120 59 1,974 Non-agency MBS 232 32 — 264 Other 41 — — 41 Securities acquired from FDIC 886 357 — 1,243 Total AFS securities $ 20,660 $ 603 $ 356 $ 20,907
Amortized Cost, Gross Unrealized Gains and Losses and Approximate Fair Values of HTM Securities	Amortized Gross Unrealized Fair June 30, 2015 Cost Gains Losses Value (Dollars in millions) HTM securities: U.S. Treasury securities $ 1,097 $ 25 $ — $ 1,122 GSE securities 5,395 17 114 5,298 Mortgage-backed securities issued by GSE 12,335 89 13 12,411 States and political subdivisions 21 1 — 22 Other securities 589 13 — 602 Total HTM securities $ 19,437 $ 145 $ 127 $ 19,455 Amortized Gross Unrealized Fair December 31, 2014 Cost Gains Losses Value (Dollars in millions) HTM securities: U.S. Treasury securities $ 1,096 $ 23 $ — $ 1,119 GSE securities 5,394 17 108 5,303 Mortgage-backed securities issued by GSE 13,120 137 12 13,245 States and political subdivisions 22 2 — 24 Other securities 608 14 — 622 Total HTM securities $ 20,240 $ 193 $ 120 $ 20,313
Schedule of Credit Losses on Securities with OTTI, Excluding Securities Acquired from the FDIC, Where a Portion of the Unrealized Loss was Recognized in OCI	Three Months Ended Six Months Ended June 30, June 30, 2015 2014 2015 2014 (Dollars in millions) Balance at beginning of period $ 61 $ 76 $ 64 $ 78 Credit losses on securities without previously recognized OTTI ― ― ― 1 Credit losses on securities with previously recognized OTTI 3 ― 3 ― Reductions for securities sold/settled during the period (4) (3) (7) (6) Credit recoveries through yield (1) (1) (1) (1) Balance at end of period $ 59 $ 72 $ 59 $ 72
Amortized Cost and Estimated Fair Value of Debt Securities by Contractual Maturity	AFS HTM Amortized Fair Amortized Fair June 30, 2015 Cost Value Cost Value (Dollars in millions) Due in one year or less $ 271 $ 271 $ 1 $ 1 Due after one year through five years 1,332 1,345 750 740 Due after five years through ten years 639 661 6,005 5,947 Due after ten years 18,775 18,906 12,681 12,767 Total debt securities $ 21,017 $ 21,183 $ 19,437 $ 19,455
Gross Unrealized Losses and Fair Values of Investments by Investment Category and Length of Time in Unrealized Loss Position	Less than 12 months 12 months or more Total Fair Unrealized Fair Unrealized Fair Unrealized June 30, 2015 Value Losses Value Losses Value Losses (Dollars in millions) AFS securities: U.S. Treasury securities $ 259 $ 1 $ — $ — $ 259 $ 1 Agency MBS 4,151 45 5,946 238 10,097 283 States and political subdivisions 79 2 431 64 510 66 Total $ 4,489 $ 48 $ 6,377 $ 302 $ 10,866 $ 350 HTM securities: GSE $ 2,883 $ 59 $ 1,995 $ 55 $ 4,878 $ 114 Agency MBS 2,166 11 387 2 2,553 13 Total $ 5,049 $ 70 $ 2,382 $ 57 $ 7,431 $ 127 Less than 12 months 12 months or more Total Fair Unrealized Fair Unrealized Fair Unrealized December 31, 2014 Value Losses Value Losses Value Losses (Dollars in millions) AFS securities: Agency MBS $ 2,285 $ 19 $ 6,878 $ 278 $ 9,163 $ 297 States and political subdivisions 13 ― 449 59 462 59 Total $ 2,298 $ 19 $ 7,327 $ 337 $ 9,625 $ 356 HTM securities: GSE $ 896 $ 5 $ 3,968 $ 103 $ 4,864 $ 108 Agency MBS 1,329 5 800 7 2,129 12 Total $ 2,225 $ 10 $ 4,768 $ 110 $ 6,993 $ 120

Loans and ACL (Tables)

Loans and ACL (Tables)	6 Months Ended
	Jun. 30, 2015
Loans and ACL
Aging Analysis of Past Due Loans and Leases	Accruing 90 Days Or 30-89 Days More Past June 30, 2015 Current Past Due Due Nonaccrual Total (Dollars in millions) Commercial: Commercial and industrial $ 43,393 $ 16 $ ― $ 198 $ 43,607 CRE-income producing properties 11,069 4 ― 59 11,132 CRE-construction and development 2,855 3 ― 16 2,874 Other lending subsidiaries 5,475 18 ― 12 5,505 Retail: Direct retail lending 8,583 41 10 41 8,675 Revolving credit 2,379 19 9 ― 2,407 Residential mortgage-nonguaranteed 28,605 362 60 188 29,215 Residential mortgage-government guaranteed 270 77 492 ― 839 Sales finance 10,423 53 4 13 10,493 Other lending subsidiaries 6,305 212 ― 45 6,562 Acquired from FDIC 837 31 124 ― 992 Total $ 120,194 $ 836 $ 699 $ 572 $ 122,301 Accruing 90 Days Or 30-89 Days More Past December 31, 2014 Current Past Due Due Nonaccrual Total (Dollars in millions) Commercial: Commercial and industrial $ 41,192 $ 23 $ ― $ 239 $ 41,454 CRE-income producing properties 10,644 4 ― 74 10,722 CRE-construction and development 2,708 1 ― 26 2,735 Other lending subsidiaries 5,337 15 ― 4 5,356 Retail: Direct retail lending 8,045 41 12 48 8,146 Revolving credit 2,428 23 9 ― 2,460 Residential mortgage-nonguaranteed 29,468 392 83 164 30,107 Residential mortgage-government guaranteed 251 82 648 2 983 Sales finance 10,528 62 5 5 10,600 Other lending subsidiaries 5,830 222 ― 54 6,106 Acquired from FDIC 994 33 188 ― 1,215 Total $ 117,425 $ 898 $ 945 $ 616 $ 119,884
Schedule of Commercial Credit Exposure Credit Risk Profile by Internal Loan Risk Rating, Excluding Acquired from FDIC	CRE - CRE - Commercial Income Producing Construction and Other Lending June 30, 2015 & Industrial Properties Development Subsidiaries (Dollars in millions) Commercial: Pass $ 41,951 $ 10,657 $ 2,761 $ 5,464 Special mention 296 102 17 15 Substandard-performing 1,162 314 80 14 Nonperforming 198 59 16 12 Total $ 43,607 $ 11,132 $ 2,874 $ 5,505 CRE - CRE - Commercial Income Producing Construction and Other Lending December 31, 2014 & Industrial Properties Development Subsidiaries (Dollars in millions) Commercial: Pass $ 40,055 $ 10,253 $ 2,615 $ 5,317 Special mention 163 67 7 10 Substandard-performing 997 328 87 25 Nonperforming 239 74 26 4 Total $ 41,454 $ 10,722 $ 2,735 $ 5,356
Schedule of Retail Credit Exposure Credit Risk Profile Based on Payment Activity, Excluding Acquired from FDIC	Direct Retail Revolving Residential Sales Other Lending June 30, 2015 Lending Credit Mortgage Finance Subsidiaries (Dollars in millions) Retail: Performing $ 8,634 $ 2,407 $ 29,866 $ 10,480 $ 6,517 Nonperforming 41 ― 188 13 45 Total $ 8,675 $ 2,407 $ 30,054 $ 10,493 $ 6,562 Direct Retail Revolving Residential Sales Other Lending December 31, 2014 Lending Credit Mortgage Finance Subsidiaries (Dollars in millions) Retail: Performing $ 8,098 $ 2,460 $ 30,924 $ 10,595 $ 6,052 Nonperforming 48 ― 166 5 54 Total $ 8,146 $ 2,460 $ 31,090 $ 10,600 $ 6,106
Analysis of the Allowance for Credit Losses	ACL Rollforward Beginning Charge- Provision Ending Three Months Ended June 30, 2015 Balance Offs Recoveries (Benefit) Other Balance (Dollars in millions) Commercial: Commercial and industrial $ 448 $ (32) $ 13 $ 28 $ ― $ 457 CRE-income producing properties 153 (4) 1 (9) ― 141 CRE-construction and development 42 ― 2 (6) ― 38 Other lending subsidiaries 22 (2) 1 ― ― 21 Retail: Direct retail lending 111 (13) 7 8 ― 113 Revolving credit 106 (19) 5 10 ― 102 Residential mortgage-nonguaranteed 200 (7) 1 3 ― 197 Residential mortgage-government guaranteed 30 (2) ― ― ― 28 Sales finance 58 (5) 2 (1) ― 54 Other lending subsidiaries 237 (55) 9 58 ― 249 Acquired from FDIC 57 ― ― ― ― 57 ALLL 1,464 (139) 41 91 ― 1,457 RUFC 68 ― ― 6 4 78 ACL $ 1,532 $ (139) $ 41 $ 97 $ 4 $ 1,535 ACL Rollforward Beginning Charge- Provision Ending Three Months Ended June 30, 2014 Balance Offs Recoveries (Benefit) Balance (Dollars in millions) Commercial: Commercial and industrial $ 423 $ (40) $ 10 $ 30 $ 423 CRE-income producing properties 136 (11) 3 (1) 127 CRE-construction and development 65 (3) 10 (13) 59 Other lending subsidiaries 16 (1) 1 1 17 Retail: Direct retail lending 120 (19) 7 16 124 Revolving credit 115 (18) 5 10 112 Residential mortgage-nonguaranteed 327 (20) ― 17 324 Residential mortgage-government guaranteed 69 (1) ― (17) 51 Sales finance 45 (4) 2 1 44 Other lending subsidiaries 222 (46) 8 34 218 Acquired from FDIC 104 (4) ― (9) 91 ALLL 1,642 (167) 46 69 1,590 RUFC 80 ― ― 5 85 ACL $ 1,722 $ (167) $ 46 $ 74 $ 1,675 ACL Rollforward Six Months Ended June 30, 2015 Beginning Balance Charge-Offs Recoveries Provision (Benefit) Other Ending Balance (Dollars in millions) Commercial: Commercial and industrial $ 421 $ (46) $ 21 $ 61 $ ― $ 457 CRE - income producing properties 162 (13) 3 (11) ― 141 CRE - construction and development 48 (2) 6 (14) ― 38 Other lending subsidiaries 21 (5) 2 3 ― 21 Retail: Direct retail lending 110 (25) 15 13 ― 113 Revolving credit 110 (37) 10 19 ― 102 Residential mortgage-nonguaranteed 217 (18) 1 (3) ― 197 Residential mortgage-government guaranteed 36 (2) ― (6) ― 28 Sales finance 50 (11) 5 10 ― 54 Other lending subsidiaries 235 (119) 17 116 ― 249 Acquired from FDIC 64 (1) ― (6) ― 57 ALLL 1,474 (279) 80 182 ― 1,457 RUFC 60 ― ― 14 4 78 ACL $ 1,534 $ (279) $ 80 $ 196 $ 4 $ 1,535 ACL Rollforward Six Months Ended June 30, 2014 Beginning Balance Charge-Offs Recoveries Provision (Benefit) Other Ending Balance (Dollars in millions) Commercial: Commercial and industrial $ 454 $ (73) $ 19 $ 23 $ ― $ 423 CRE - income producing properties 149 (19) 5 (8) ― 127 CRE - construction and development 76 (7) 13 (23) ― 59 Other lending subsidiaries 15 (2) 1 3 ― 17 Retail: Direct retail lending 209 (38) 15 23 (85) 124 Revolving credit 115 (36) 10 23 ― 112 Residential mortgage-nonguaranteed 269 (41) 1 10 85 324 Residential mortgage-government guaranteed 62 (1) ― (10) ― 51 Sales finance 45 (11) 5 5 ― 44 Other lending subsidiaries 224 (130) 16 108 ― 218 Acquired from FDIC 114 (7) ― (16) ― 91 ALLL 1,732 (365) 85 138 ― 1,590 RUFC 89 ― ― (4) ― 85 ACL $ 1,821 $ (365) $ 85 $ 134 $ ― $ 1,675
Summary Of Loans Collectively Evaluated For Impairment	June 30, 2015 December 31, 2014 Recorded Investment Related ALLL Recorded Investment Related ALLL (Dollars in millions) Commercial: Commercial and industrial $ 43,300 $ 424 $ 41,120 $ 379 CRE-income producing properties 11,009 131 10,583 147 CRE-construction and development 2,832 30 2,670 39 Other lending subsidiaries 5,493 18 5,351 20 Retail: Direct retail lending 8,585 91 8,048 86 Revolving credit 2,371 88 2,419 94 Residential mortgage-nonguaranteed 28,761 155 29,660 181 Residential mortgage-government guaranteed 511 2 622 4 Sales finance 10,473 50 10,579 46 Other lending subsidiaries 6,379 218 5,930 204 Acquired from FDIC 992 57 1,215 64 Total $ 120,706 $ 1,264 $ 118,197 $ 1,264
Schedule of Information Regarding Impaired Loans	Average Interest Recorded Related Recorded Income As Of / For The Six Months Ended June 30, 2015 Investment UPB ALLL Investment Recognized (Dollars in millions) With no related ALLL recorded: Commercial: Commercial and industrial $ 88 $ 120 $ ― $ 85 $ ― CRE-income producing properties 24 33 ― 19 ― CRE-construction and development 4 6 ― 10 ― Other lending subsidiaries ― 2 ― 1 ― Retail: Direct retail lending 12 43 ― 13 ― Residential mortgage-nonguaranteed 90 151 ― 107 2 Residential mortgage-government guaranteed 2 3 ― 3 ― Sales finance 1 2 ― 1 ― Other lending subsidiaries 3 7 ― 3 ― With an ALLL recorded: Commercial: Commercial and industrial 219 225 33 237 2 CRE-income producing properties 99 100 10 108 2 CRE-construction and development 38 38 8 41 1 Other lending subsidiaries 12 13 3 6 ― Retail: Direct retail lending 78 80 22 82 2 Revolving credit 36 36 14 38 1 Residential mortgage-nonguaranteed 364 376 42 345 8 Residential mortgage-government guaranteed 326 327 26 333 7 Sales finance 19 19 4 19 ― Other lending subsidiaries 180 182 31 177 14 Total $ 1,595 $ 1,763 $ 193 $ 1,628 $ 39 Average Interest Recorded Related Recorded Income As Of / For The Year Ended December 31, 2014 Investment UPB ALLL Investment Recognized (Dollars in millions) With no related ALLL recorded: Commercial: Commercial and industrial $ 87 $ 136 $ ― $ 138 $ 2 CRE-income producing properties 18 25 ― 36 ― CRE-construction and development 14 21 ― 20 ― Other lending subsidiaries ― 1 ― ― ― Retail: Direct retail lending 13 49 ― 14 1 Residential mortgage-nonguaranteed 87 141 ― 147 5 Residential mortgage-government guaranteed 3 4 ― 7 ― Sales finance 1 2 ― 1 ― Other lending subsidiaries 3 7 ― 3 ― With an ALLL recorded: Commercial: Commercial and industrial 247 254 42 279 5 CRE-income producing properties 121 123 15 133 4 CRE-construction and development 51 52 9 65 2 Other lending subsidiaries 5 5 1 4 ― Retail: Direct retail lending 85 87 24 95 5 Revolving credit 41 41 16 45 2 Residential mortgage-nonguaranteed 360 370 36 700 31 Residential mortgage-government guaranteed 358 358 32 402 17 Sales finance 20 21 4 20 1 Other lending subsidiaries 173 175 31 148 22 Total $ 1,687 $ 1,872 $ 210 $ 2,257 $ 97
Schedule of Performing and Nonperforming TDRs	June 30, December 31, 2015 2014 (Dollars in millions) Performing TDRs: Commercial: Commercial and industrial $ 75 $ 64 CRE-income producing properties 21 27 CRE-construction and development 23 30 Direct retail lending 81 84 Sales finance 18 19 Revolving credit 36 41 Residential mortgage-nonguaranteed 273 261 Residential mortgage-government guaranteed 328 360 Other lending subsidiaries 172 164 Total performing TDRs 1,027 1,050 Nonperforming TDRs (also included in NPL disclosures) 127 126 Total TDRs $ 1,154 $ 1,176 ALLL attributable to TDRs $ 151 $ 159
Summary Of Reason For Classification As TDRs	Three Months Ended June 30, 2015 2014 Types of Types of Modifications Impact To Modifications Impact To Rate Structure Allowance Rate Structure Allowance (Dollars in millions) Commercial: Commercial and industrial $ 40 $ 10 $ 1 $ 49 $ 10 $ 1 CRE-income producing properties 2 10 ― 5 6 ― CRE-construction and development ― 9 ― 6 10 ― Retail: Direct retail lending 3 ― 1 8 1 1 Revolving credit 4 ― 1 6 ― 2 Residential mortgage-nonguaranteed 21 10 2 19 8 2 Residential mortgage-government guaranteed 49 ― 2 105 ― 4 Sales finance ― 3 ― 1 1 ― Other lending subsidiaries 29 ― 4 29 ― 3 Six Months Ended June 30, 2015 2014 Types of Types of Modifications Impact To Modifications Impact To Rate Structure Allowance Rate Structure Allowance (Dollars in millions) Commercial: Commercial and industrial $ 49 $ 24 $ 2 $ 68 $ 29 $ 2 CRE-income producing properties 4 13 ― 13 11 ― CRE-construction and development ― 12 ― 11 13 ― Retail: Direct retail lending 6 ― 2 19 3 4 Revolving credit 8 ― 2 13 ― 3 Residential mortgage-nonguaranteed 44 22 5 51 17 13 Residential mortgage-government guaranteed 109 ― 4 144 ― 7 Sales finance ― 5 ― 1 6 1 Other lending subsidiaries 60 ― 8 58 ― 8
Carrying Value and Accretable Yield of Loans Acquired From FDIC	Six Months Ended June 30, 2015 Year Ended December 31, 2014 Purchased Impaired Purchased Nonimpaired Purchased Impaired Purchased Nonimpaired Accretable Carrying Accretable Carrying Accretable Carrying Accretable Carrying Yield Value Yield Value Yield Value Yield Value (Dollars in millions) Balance at beginning of period $ 134 $ 579 $ 244 $ 636 $ 187 $ 863 $ 351 $ 1,172 Accretion (35) 35 (49) 49 (107) 107 (169) 169 Payments received, net ― (133) ― (174) ― (391) ― (705) Other, net 23 ― 9 ― 54 ― 62 ― Balance at end of period $ 122 $ 481 $ 204 $ 511 $ 134 $ 579 $ 244 $ 636 Outstanding UPB at end of period $ 728 $ 704 $ 864 $ 860
Selected Information About Loans and Leases	June 30, December 31, 2015 2014 (Dollars in millions) Unearned income and net deferred loan fees and costs $ 183 $ 147 Residential mortgage loans in process of foreclosure 295 379

Goodwill and Other Intangible29

Goodwill and Other Intangible Assets (Tables)	6 Months Ended
	Jun. 30, 2015
Goodwill And Other Intangible Assets
Goodwill Activity by Operating Segment	Residential Dealer Community Mortgage Financial Specialized Insurance Financial Banking Banking Services Lending Services Services Total (Dollars in millions) Goodwill balance, January 1, 2015 $ 4,634 $ 326 $ 111 $ 88 $ 1,518 $ 192 $ 6,869 Acquisitions 316 ― ― ― 3 ― 319 Allocated to sale of American Coastal ― ― ― ― (49) ― (49) Other adjustments 5 ― ― ― (3) ― 2 Goodwill balance, June 30, 2015 $ 4,955 $ 326 $ 111 $ 88 $ 1,469 $ 192 $ 7,141
Identifiable Intangible Assets	June 30, 2015 December 31, 2014 Gross Carrying Amount Accumulated Amortization Net Carrying Amount Gross Carrying Amount Accumulated Amortization Net Carrying Amount (Dollars in millions) CDI $ 743 $ (601) $ 142 $ 693 $ (585) $ 108 Other, primarily customer relationship intangibles 1,090 (718) 372 1,088 (691) 397 Total $ 1,833 $ (1,319) $ 514 $ 1,781 $ (1,276) $ 505

Loan Servicing (Tables)

Loan Servicing (Tables)	6 Months Ended
	Jun. 30, 2015
Loan Servicing
Summary of Residential Mortgage Loans Managed or Securitized, Servicing Portfolio Information and Related Data	June 30, December 31, 2015 2014 (Dollars in millions) Mortgage and home equity loans managed $ 33,483 $ 33,742 Less: LHFS 2,184 1,317 Mortgage loans acquired from FDIC 626 668 Mortgage loans sold with recourse 619 667 Mortgage loans held for investment $ 30,054 $ 31,090 UPB of mortgage loan servicing portfolio $ 115,122 $ 115,476 UPB of home equity loan servicing portfolio 6,040 6,781 UPB of residential mortgage and home equity loan servicing portfolio $ 121,162 $ 122,257 UPB of residential mortgage loans serviced for others (primarily agency conforming fixed rate) $ 89,235 $ 90,230 Maximum recourse exposure from mortgage loans sold with recourse liability 335 344 Indemnification, recourse and repurchase reserves 83 94 FHA-insured mortgage loan reserve 85 85 As Of / For The Six Months Ended June 30, 2015 2014 (Dollars in millions) UPB of residential mortgage loans sold from LHFS $ 6,804 $ 5,972 Pre-tax gains recognized on mortgage loans sold and held for sale 74 38 Servicing fees recognized from mortgage loans serviced for others 136 136 Approximate weighted average servicing fee on the outstanding balance of residential mortgage loans serviced for others 0.29 % 0.30 % Weighted average interest rate on mortgage loans serviced for others 4.16 4.23
Analysis of Activity in Residential MSRs	Six Months Ended June 30, 2015 2014 (Dollars in millions) Residential MSRs, carrying value, January 1, $ 844 $ 1,047 Additions 68 66 Change in fair value due to changes in valuation inputs or assumptions: Prepayment speeds 166 (100) OAS (70) 3 Servicing costs (25) ― Realization of expected net servicing cash flows, passage of time and other (71) (62) Residential MSRs, carrying value, June 30, $ 912 $ 954 Gains (losses) on derivative financial instruments used to mitigate the income statement effect of changes in fair value $ (38) $ 105
Residential MSRs Sensitivity	June 30, 2015 December 31, 2014 Range Weighted Range Weighted Min Max Average Min Max Average (Dollars in millions) Prepayment speed 4.8 % 7.7 % 7.0 % 10.8 % 12.8 % 12.0 % Effect on fair value of a 10% increase $ (26) $ (30) Effect on fair value of a 20% increase (51) (58) OAS 10.5 % 12.4 % 11.0 % 9.1 % 9.9 % 9.3 % Effect on fair value of a 10% increase $ (37) $ (26) Effect on fair value of a 20% increase (72) (50) Composition of loans serviced for others: Fixed-rate residential mortgage loans 99.3 % 99.4 % Adjustable-rate residential mortgage loans 0.7 0.6 Total 100.0 % 100.0 % Weighted average life 7.7 yrs 5.7 yrs
Summary of Commercial Mortgage Banking Activities	June 30, December 31, 2015 2014 (Dollars in millions) UPB of CRE mortgages serviced for others $ 28,039 $ 27,599 CRE mortgages serviced for others covered by recourse provisions 4,425 4,264 Maximum recourse exposure from CRE mortgages sold with recourse liability 1,331 1,278 Recorded reserves related to recourse exposure 8 7 Originated CRE mortgages during the year 3,264 5,265

Deposits (Tables)

Deposits (Tables)	6 Months Ended
	Jun. 30, 2015
Deposits By Type
Summary of Deposits	June 30, December 31, 2015 2014 (Dollars in millions) Noninterest-bearing deposits $ 42,234 $ 38,786 Interest checking 20,843 20,262 Money market and savings 55,269 50,604 Time deposits 14,437 19,388 Total deposits $ 132,783 $ 129,040 Time deposits $100,000 and greater $ 5,525 $ 9,782 Time deposits $250,000 and greater 1,870 5,753

Long-Term Debt (Tables)

Long-Term Debt (Tables)	6 Months Ended
	Jun. 30, 2015
Long-Term Debt
Schedule of Long-Term Debt	June 30, December 31, 2015 2014 (Dollars in millions) BB&T Corporation: 3.95% senior notes due 2016 $ 500 $ 500 3.20% senior notes due 2016 1,000 1,000 2.15% senior notes due 2017 749 749 1.60% senior notes due 2017 749 749 1.45% senior notes due 2018 500 500 Floating rate senior notes due 2018 (LIBOR-based, 1.15% at June 30, 2015) 400 400 2.05% senior notes due 2018 599 599 6.85% senior notes due 2019 540 539 2.25% senior notes due 2019 648 648 Floating rate senior notes due 2019 (LIBOR-based, 0.94% at June 30, 2015) 450 450 2.45% senior notes due 2020 1,298 1,298 2.63% senior notes due 2020 999 ― Floating rate senior notes due 2020 (LIBOR-based, 0.99% at June 30, 2015) 200 200 5.20% subordinated notes due 2015 934 933 4.90% subordinated notes due 2017 354 353 5.25% subordinated notes due 2019 586 586 3.95% subordinated notes due 2022 299 298 Branch Bank: 1.45% senior notes due 2016 750 750 Floating rate senior notes due 2016 (LIBOR-based, 0.71% at June 30, 2015) 375 500 1.05% senior notes due 2016 500 500 1.00% senior notes due 2017 599 599 1.35% senior notes due 2017 750 750 2.30% senior notes due 2018 750 750 2.85% senior notes due 2021 700 699 5.63% subordinated notes due 2016 386 386 Floating rate subordinated notes due 2016 (LIBOR-based, 0.61% at June 30, 2015) 350 350 Floating rate subordinated note due 2017 (LIBOR-based, 0.58% at June 30, 2015) 262 262 3.80% subordinated notes due 2026 848 848 FHLB advances to Branch Bank: Varying maturities to 2034 5,577 6,496 Other long-term debt 154 119 Fair value hedge-related basis adjustments 465 501 Total long-term debt $ 23,271 $ 23,312
Schedule of Carrying Amount and Effective Rates on Long-Term Debt	June 30, 2015 December 31, 2014 Carrying Effective Carrying Effective Amount Rate Amount Rate (Dollars in millions) BB&T Corporation fixed rate senior notes $ 7,681 2.30 % $ 6,669 2.39 % BB&T Corporation floating rate senior notes 1,050 1.08 1,050 1.07 BB&T Corporation fixed rate subordinated notes 2,340 2.20 2,362 2.30 Branch Bank fixed rate senior notes 4,074 1.56 4,060 1.72 Branch Bank floating rate senior notes 375 0.76 500 0.72 Branch Bank fixed rate subordinated notes 1,279 2.95 1,299 2.86 Branch Bank floating rate subordinated notes 612 3.42 612 3.27 FHLB advances (weighted average maturity of 5.3 years at June 30, 2015) 5,706 3.98 6,641 4.03 Other long-term debt 154 119 Total long-term debt $ 23,271 $ 23,312

Shareholders' Equity (Tables)

Shareholders' Equity (Tables)	6 Months Ended
	Jun. 30, 2015
Shareholders' Equity
Stock Options Activity Roll Forward	Wtd. Avg. Exercise Options Price (Shares in thousands) Outstanding at January 1, 2015 28,374 $ 35.09 Granted 434 38.22 Exercised (2,775) 32.14 Forfeited or expired (5,618) 38.66 Outstanding at June 30, 2015 20,415 34.58 Exercisable at June 30, 2015 18,687 34.73 Exercisable and expected to vest at June 30, 2015 20,296 34.59
Restricted Shares and RSUs Activity Roll Forward	Wtd. Avg. Restricted Grant Date Shares/Units Fair Value (Shares in thousands) Nonvested at January 1, 2015 12,075 $ 27.38 Granted 3,680 33.28 Vested (3,400) 24.83 Forfeited (193) 30.91 Nonvested at June 30, 2015 12,162 29.82 Expected to vest at June 30, 2015 11,158 29.83

AOCI (Tables)

AOCI (Tables)	6 Months Ended
	Jun. 30, 2015
AOCI
Schedule Of Changes in AOCI	Three Months Ended June 30, 2015 Unrecognized Net Pension and Postretirement Costs Unrealized Net Gains (Losses) on Cash Flow Hedges Unrealized Net Gains (Losses) on AFS Securities FDIC's Share of Unrealized (Gains) Losses on AFS Securities Other, net Total (Dollars in millions) AOCI balance, April 1, 2015 $ (617) $ (108) $ 209 $ (197) $ (20) $ (733) OCI before reclassifications, net of tax 1 60 (121) 5 1 (54) Amounts reclassified from AOCI: Personnel expense 12 ― ― ― ― 12 Interest income ― ― 22 ― ― 22 Interest expense ― 21 ― ― ― 21 FDIC loss share income, net ― ― ― 6 ― 6 Securities (gains) losses, net ― ― 1 ― ― 1 Total before income taxes 12 21 23 6 ― 62 Less: Income taxes 4 8 9 2 ― 23 Net of income taxes 8 13 14 4 ― 39 Net change in OCI 9 73 (107) 9 1 (15) AOCI balance, June 30, 2015 $ (608) $ (35) $ 102 $ (188) $ (19) $ (748) Three Months Ended June 30, 2014 Unrecognized Net Pension and Postretirement Costs Unrealized Net Gains (Losses) on Cash Flow Hedges Unrealized Net Gains (Losses) on AFS Securities FDIC's Share of Unrealized (Gains) Losses on AFS Securities Other, net Total (Dollars in millions) AOCI balance, April 1, 2014 $ (302) $ 13 $ 37 $ (229) $ (19) $ (500) OCI before reclassifications, net of tax 1 (14) 89 (6) 8 78 Amounts reclassified from AOCI: Personnel expense 1 ― ― ― ― 1 Interest income ― ― (5) ― (5) (10) Interest expense ― 19 ― ― ― 19 FDIC loss share income, net ― ― ― 14 ― 14 Total before income taxes 1 19 (5) 14 (5) 24 Less: Income taxes ― 7 (2) 5 (2) 8 Net of income taxes 1 12 (3) 9 (3) 16 Net change in OCI 2 (2) 86 3 5 94 AOCI balance, June 30, 2014 $ (300) $ 11 $ 123 $ (226) $ (14) $ (406) Six Months Ended June 30, 2015 Unrecognized Net Pension and Postretirement Costs Unrealized Net Gains (Losses) on Cash Flow Hedges Unrealized Net Gains (Losses) on AFS Securities FDIC's Share of Unrealized (Gains) Losses on AFS Securities Other, net Total (Dollars in millions) AOCI balance, January 1, 2015 $ (626) $ (54) $ 152 $ (207) $ (16) $ (751) OCI before reclassifications, net of tax 3 (7) (54) 7 (4) (55) Amounts reclassified from AOCI: Personnel expense 24 ― ― ― ― 24 Interest income ― ― 6 1 7 Interest expense ― 42 ― ― ― 42 FDIC loss share income, net ― ― ― 19 ― 19 Securities (gains) losses, net ― ― 1 ― ― 1 Total before income taxes 24 42 7 19 1 93 Less: Income taxes 9 16 3 7 ― 35 Net of income taxes 15 26 4 12 1 58 Net change in AOCI 18 19 (50) 19 (3) 3 AOCI balance, June 30, 2015 $ (608) $ (35) $ 102 $ (188) $ (19) $ (748) Six Months Ended June 30, 2014 Unrecognized Net Pension and Postretirement Costs Unrealized Net Gains (Losses) on Cash Flow Hedges Unrealized Net Gains (Losses) on AFS Securities FDIC's Share of Unrealized (Gains) Losses on AFS Securities Other, net Total (Dollars in millions) AOCI balance, January 1, 2014 $ (303) $ 2 $ (42) $ (235) $ (15) $ (593) OCI before reclassifications, net of tax 2 (16) 174 (6) 3 157 Amounts reclassified from AOCI: Personnel expense 1 ― ― ― ― 1 Interest income ― ― (13) ― (4) (17) Interest expense ― 40 ― ― ― 40 FDIC loss share income, net ― ― ― 24 ― 24 Securities (gains) losses, net ― ― (2) ― ― (2) Total before income taxes 1 40 (15) 24 (4) 46 Less: Income taxes ― 15 (6) 9 (2) 16 Net of income taxes 1 25 (9) 15 (2) 30 Net change in AOCI 3 9 165 9 1 187 AOCI balance, June 30, 2014 $ (300) $ 11 $ 123 $ (226) $ (14) $ (406)

Benefit Plans (Tables)

Benefit Plans (Tables)	6 Months Ended
	Jun. 30, 2015
Benefit Plans
Summary of the Components of Net Periodic Benefit Cost Recognized for Pension Plans	Qualified Plan Nonqualified Plans Three Months Ended June 30, 2015 2014 2015 2014 (Dollars in millions) Service cost $ 42 $ 32 $ 3 $ 3 Interest cost 34 31 4 3 Estimated return on plan assets (81) (74) ― ― Amortization and other 12 1 3 3 Net periodic benefit cost $ 7 $ (10) $ 10 $ 9 Qualified Plan Nonqualified Plans Six Months Ended June 30 2015 2014 2015 2014 (Dollars in millions) Service cost $ 85 $ 65 $ 6 $ 6 Interest cost 68 62 8 7 Estimated return on plan assets (162) (148) ― ― Amortization and other 24 1 7 6 Net periodic benefit cost $ 15 $ (20) $ 21 $ 19

Commitments and Contingencies (

Commitments and Contingencies (Tables)	6 Months Ended
	Jun. 30, 2015
Commitments and Contingencies
Schedule of Commitments and Contingencies	As Of / For the Year-To-Date Period Ended June 30, 2015 December 31, 2014 (Dollars in millions) Letters of credit and financial guarantees $ 3,353 $ 3,462 Carrying amount of the liability for letter of credit guarantees 24 22 Investments in affordable housing and historic building rehabilitation projects: Carrying amount 1,548 1,416 Amount of future funding commitments included in carrying amount 583 459 Lending exposure 190 169 Tax credits subject to recapture 314 300 Amortization recognized in the provision for income taxes 92 161 Tax credits and other tax benefits recognized in the provision for income taxes 128 222 Investments in private equity and similar investments 359 329 Future funding commitments to consolidated private equity funds 176 202
Impact of Adoption of Affordable Housing Guidance	Three Months Ended June 30, 2014 Six Months Ended June 30, 2014 (Dollars in millions) Increase in other income $ 42 $ 76 Increase in provision for income taxes (43) (82) Decrease in net income and net income available to common shareholders $ (1) $ (6) Decrease in diluted EPS $ ― $ (0.01) January 1, 2015 2014 (Dollars in millions) Decrease to retained earnings $ (49) $ (29)
Pledged Assets	June 30, December 31, 2015 2014 (Dollars in millions) Pledged securities $ 14,284 $ 14,636 Pledged loans 66,890 67,248

Fair Value Disclosures (Tables)

Fair Value Disclosures (Tables)	6 Months Ended
	Jun. 30, 2015
Fair Value Disclosures
Schedule of Assets and Liabilities Measured at Fair Value	June 30, 2015 Total Level 1 Level 2 Level 3 (Dollars in millions) Assets: Trading securities $ 720 $ 315 $ 405 $ ― AFS securities: U.S. Treasury 1,385 ― 1,385 ― Agency MBS 16,434 ― 16,434 ― States and political subdivisions 1,959 ― 1,959 ― Non-agency MBS 243 ― 243 ― Other 5 5 ― ― Acquired from FDIC 1,157 ― 469 688 LHFS 2,469 ― 2,469 ― Residential MSRs 912 ― ― 912 Derivative assets: Interest rate contracts 949 ― 938 11 Foreign exchange contracts 6 ― 6 ― Private equity and similar investments 359 ― ― 359 Total assets $ 26,598 $ 320 $ 24,308 $ 1,970 Liabilities: Derivative liabilities: Interest rate contracts $ 774 $ ― $ 761 $ 13 Foreign exchange contracts 4 ― 4 ― Short-term borrowings 196 ― 196 ― Total liabilities $ 974 $ ― $ 961 $ 13 December 31, 2014 Total Level 1 Level 2 Level 3 (Dollars in millions) Assets: Trading securities $ 482 $ 289 $ 193 $ ― AFS securities: U.S. Treasury 1,231 ― 1,231 ― Agency MBS 16,154 ― 16,154 ― States and political subdivisions 1,974 ― 1,974 ― Non-agency MBS 264 ― 264 ― Other 41 6 35 ― Acquired from FDIC 1,243 ― 498 745 LHFS 1,423 ― 1,423 ― Residential MSRs 844 ― ― 844 Derivative assets: Interest rate contracts 1,114 ― 1,094 20 Foreign exchange contracts 8 ― 8 ― Private equity and similar investments 329 ― ― 329 Total assets $ 25,107 $ 295 $ 22,874 $ 1,938 Liabilities: Derivative liabilities: Interest rate contracts $ 1,007 $ ― $ 1,004 $ 3 Foreign exchange contracts 6 ― 6 ― Short-term borrowings 148 ― 148 ― Total liabilities $ 1,161 $ ― $ 1,158 $ 3
Roll Forward of Level 3 Assets and Liabilities	Three Months Ended June 30, 2015 Acquired from FDIC Securities Residential MSRs Net Derivatives Private Equity and Similar Investments (Dollars in millions) Balance at April 1, 2015 $ 719 $ 764 $ 23 $ 366 Total realized and unrealized gains (losses): Included in earnings: Interest income 5 ― ― ― Mortgage banking income ― 140 20 ― Other noninterest income ― ― 2 3 Included in unrealized net holding gains (losses) in OCI (11) ― ― ― Purchases ― ― ― 13 Issuances ― 42 3 ― Sales ― ― ― (10) Settlements (25) (34) (50) (13) Balance at June 30, 2015 $ 688 $ 912 $ (2) $ 359 Change in unrealized gains (losses) included in earnings for the period, attributable to assets and liabilities still held at June 30, 2015 $ 5 $ 140 $ 4 $ (1) Three Months Ended June 30, 2014 Acquired from FDIC Securities Residential MSRs Net Derivatives Private Equity and Similar Investments (Dollars in millions) Balance at April 1, 2014 $ 832 $ 1,008 $ 4 $ 328 Total realized and unrealized gains (losses): Included in earnings: Interest income 2 ― ― ― Mortgage banking income ― (54) 29 ― Other noninterest income ― ― ― 9 Included in unrealized net holding gains (losses) in OCI 3 ― ― ― Purchases ― ― ― 14 Issuances ― 33 28 ― Sales ― ― ― (29) Settlements (27) (33) (37) (1) Transfers into Level 3 ― ― ― 1 Balance at June 30, 2014 $ 810 $ 954 $ 24 $ 322 Change in unrealized gains (losses) included in earnings for the period, attributable to assets and liabilities still held at June 30, 2014 $ 2 $ (54) $ 24 $ (6) Private Acquired Equity and from FDIC Residential Net Similar Six Months Ended June 30, 2015 Securities MSRs Derivatives Investments (Dollars in millions) Balance at January 1, 2015 $ 745 $ 844 $ 17 $ 329 Total realized and unrealized gains (losses): Included in earnings: Interest income 16 ― ― ― Mortgage banking income ― 69 48 ― Other noninterest income ― ― (2) 19 Included in unrealized net holding gains (losses) in OCI (25) ― ― ― Purchases ― ― ― 55 Issuances ― 68 41 ― Sales ― ― ― (29) Settlements (48) (69) (106) (15) Balance at June 30, 2015 $ 688 $ 912 $ (2) $ 359 Change in unrealized gains (losses) included in earnings for the period, attributable to assets and liabilities still held at June 30, 2015 $ 16 $ 69 $ ― $ 15 Private Acquired Equity and from FDIC Residential Net Similar Six Months Ended June 30, 2014 Securities MSRs Derivatives Investments (Dollars in millions) Balance at January 1, 2014 $ 861 $ 1,047 $ (11) $ 291 Total realized and unrealized gains (losses): Included in earnings: Interest income 17 ― ― ― Mortgage banking income ― (97) 44 ― Other noninterest income ― ― ― 12 Included in unrealized net holding gains (losses) in OCI (15) ― ― ― Purchases ― ― ― 52 Issuances ― 66 40 ― Sales ― ― ― (30) Settlements (53) (62) (49) (4) Transfers into Level 3 ― ― ― 1 Balance at June 30, 2014 $ 810 $ 954 $ 24 $ 322 Change in unrealized gains (losses) included in earnings for the period, attributable to assets and liabilities still held at June 30, 2014 $ 17 $ (97) $ 24 $ (4)
Fair Value and UPB of LHFS	June 30, 2015 December 31, 2014 Fair Aggregate Fair Aggregate Value UPB Difference Value UPB Difference (Dollars in millions) LHFS reported at fair value $ 2,469 $ 2,468 $ 1 $ 1,423 $ 1,390 $ 33
Fair Value, Assets and Liabilities Measured on Nonrecurring Basis	June 30, 2015 June 30, 2014 Valuation Adjustments Valuation Adjustments Carrying Value Three Months Ended Six Months Ended Carrying Value Three Months Ended Six Months Ended (Dollars in millions) Impaired loans $ 114 $ (1) $ (13) $ 213 $ (19) $ (37) Foreclosed real estate 86 (43) (83) 56 (27) (86)
Carrying Amounts and Fair Values of Financial Assets and Liabilities Not Recorded at Fair Value	Carrying Total June 30, 2015 Amount Fair Value Level 2 Level 3 (Dollars in millions) Financial assets: HTM securities $ 19,437 $ 19,455 $ 19,455 $ ― Loans and leases HFI, net of ALLL 120,844 120,646 ― 120,646 FDIC loss share receivable 383 59 ― 59 Financial liabilities: Deposits 132,783 132,948 132,948 ― FDIC loss share payable 695 694 ― 694 Long-term debt 23,271 23,762 23,762 ― Carrying Total December 31, 2014 Amount Fair Value Level 2 Level 3 (Dollars in millions) Financial assets: HTM securities $ 20,240 $ 20,313 $ 20,313 $ ― Loans and leases HFI, net of ALLL 118,410 118,605 ― 118,605 FDIC loss share receivable 534 123 ― 123 Financial liabilities: Deposits 129,040 129,259 129,259 ― FDIC loss share payable 697 696 ― 696 Long-term debt 23,312 24,063 24,063 ―
Selected Information Pertaining To Off Balance-Sheet Financial Instruments	June 30, 2015 December 31, 2014 Notional/ Notional/ Contract Contract Amount Fair Value Amount Fair Value (Dollars in millions) Commitments to extend, originate or purchase credit $ 54,071 $ 108 $ 49,333 $ 97 Residential mortgage loans sold with recourse 619 9 667 9 Other loans sold with recourse 4,425 8 4,264 7 Letters of credit and financial guarantees 3,353 24 3,462 22

Derivative Financial Instrume38

Derivative Financial Instruments (Tables)	6 Months Ended
	Jun. 30, 2015
Derivative Financial Instruments
Schedule of Derivative Financial Instruments and Related Hedged Items	June 30, 2015 December 31, 2014 Hedged Item or Notional Fair Value Notional Fair Value Transaction Amount Gain Loss Amount Gain Loss (Dollars in millions) Cash flow hedges: Interest rate contracts: Pay fixed swaps 3 mo. LIBOR funding $ 9,300 $ ― $ (138) $ 9,300 $ ― $ (289) Fair value hedges: Interest rate contracts: Receive fixed swaps Long-term debt 11,902 273 ― 11,902 269 (5) Pay fixed swaps Commercial loans 216 ― (3) 161 ― (3) Pay fixed swaps Municipal securities 314 ― (108) 336 ― (126) Total 12,432 273 (111) 12,399 269 (134) Not designated as hedges: Client-related and other risk management: Interest rate contracts: Receive fixed swaps 7,747 315 (2) 7,995 350 (3) Pay fixed swaps 7,830 2 (337) 8,163 1 (375) Other swaps 1,177 3 (6) 1,372 5 (7) Other 383 1 (2) 528 1 (1) Forward commitments 10,382 16 (20) 5,326 10 (12) Foreign exchange contracts 662 6 (4) 571 8 (6) Total 28,181 343 (371) 23,955 375 (404) Mortgage banking: Interest rate contracts: Interest rate lock commitments 2,581 11 (8) 1,566 20 ― When issued securities, forward rate agreements and forward commitments 4,769 37 (13) 2,623 3 (25) Other 995 5 (2) 916 7 ― Total 8,345 53 (23) 5,105 30 (25) MSRs: Interest rate contracts: Receive fixed swaps 2,521 54 (48) 4,119 215 (1) Pay fixed swaps 2,885 3 (55) 4,362 1 (124) Option trades 9,970 228 (26) 9,350 229 (36) When issued securities, forward rate agreements and forward commitments 2,571 1 (6) 3,731 3 ― Total 17,947 286 (135) 21,562 448 (161) Total derivatives not designated as hedges 54,473 682 (529) 50,622 853 (590) Total derivatives $ 76,205 955 (778) $ 72,321 1,122 (1,013) Gross amounts not offset in the Consolidated Balance Sheets: Amounts subject to master netting arrangements not offset due to policy election (444) 444 (629) 629 Cash collateral (received) posted (218) 293 (190) 342 Net amount $ 293 $ (41) $ 303 $ (42)
The Effect of Derivative Instruments on the Consolidated Statements of Income	Three Months Ended June 30, 2015 and 2014 Effective Portion Pre-tax Gain Pre-tax Gain (Loss) (Loss) Recognized Reclassified from in AOCI Location of Amounts AOCI into Income 2015 2014 Reclassified from AOCI into Income 2015 2014 (Dollars in millions) Cash flow hedges: Interest rate contracts $ 95 $ (22) Total interest expense $ (21) $ (19) Pre-tax Gain (Loss) Recognized Location of Amounts in Income Recognized in Income 2015 2014 (Dollars in millions) Fair value hedges: Interest rate contracts Total interest income $ (5) $ (6) Interest rate contracts Total interest expense 68 57 Total $ 63 $ 51 Not designated as hedges: Client-related and other risk management: Interest rate contracts Other noninterest income $ 11 $ 5 Foreign exchange contracts Other noninterest income (1) (1) Mortgage banking: Interest rate contracts Mortgage banking income 13 (17) MSRs: Interest rate contracts Mortgage banking income (119) 60 Total $ (96) $ 47 Six Months Ended June 30, 2015 and 2014 Effective Portion Pre-tax Gain Pre-tax Gain (Loss) (Loss) Recognized Location of Amounts Reclassified from in AOCI Reclassified from AOCI AOCI into Income 2015 2014 into Income 2015 2014 (Dollars in millions) Cash Flow Hedges: Interest rate contracts $ (12) $ (25) Total interest expense $ (42) $ (40) Effective Portion Pre-tax Gain Location of Amounts (Loss) Recognized Recognized in Income in Income 2015 2014 (Dollars in millions) Fair Value Hedges: Interest rate contracts Total interest income $ (10) $ (11) Interest rate contracts Total interest expense 136 110 Total $ 126 $ 99 Not Designated as Hedges: Client-related and other risk management: Interest rate contracts Other noninterest income $ 12 $ 10 Foreign exchange contracts Other noninterest income 9 3 Mortgage Banking: Interest rate contracts Mortgage banking income 20 (27) MSRs: Interest rate contracts Mortgage banking income (38) 105 Total $ 3 $ 91
Deferred Gains and Losses From Hedges	June 30, December 31, 2015 2014 (Dollars in millions) Cash flow hedges: Net unrecognized after-tax loss on active hedges recorded in AOCI $ (87) $ (181) Net unrecognized after-tax gain on terminated hedges recorded in AOCI (to be recognized in earnings through 2022) 51 127 Estimated portion of net after-tax loss on active and terminated hedges to be reclassified from AOCI into earnings during the next 12 months (47) (51) Maximum time period over which BB&T has hedged a portion of the variability in future cash flows for forecasted transactions excluding those transactions relating to the payment of variable interest on existing instruments 7 yrs 8 yrs Fair value hedges: Unrecognized pre-tax net gain on terminated hedges (to be recognized as interest primarily through 2019) $ 177 $ 227 Portion of pre-tax net gain on terminated hedges to be recognized as a change in interest during the next 12 months 76 88
Schedule Of Derivative Instruments Summary Of Collateral Positions With Counterparties	June 30, December 31, 2015 2014 (Dollars in millions) Cash collateral received from dealer counterparties $ 217 $ 191 Derivatives in a net gain position secured by that collateral 222 201 Unsecured positions in a net gain with dealer counterparties after collateral postings 4 10 Cash collateral posted to dealer counterparties 176 227 Derivatives in a net loss position secured by that collateral 176 231 Additional collateral that would have been posted had BB&T's credit ratings dropped below investment grade 2 3 Derivatives in a net gain position with central clearing parties 19 ― Cash collateral, including initial margin, posted to central clearing parties 130 114 Derivatives in a net loss position secured by that collateral 122 129 Securities pledged to central clearing parties 195 116

Computation of Earnings Per S39

Computation of Earnings Per Share (Tables)	6 Months Ended
	Jun. 30, 2015
Computation of EPS
Schedule of Earnings Per Share, Basic and Diluted	Three Months Ended June 30, Six Months Ended June 30, 2015 2014 2015 2014 (Dollars in millions, except per share data, shares in thousands) Net income available to common shareholders $ 454 $ 424 $ 942 $ 920 Weighted average number of common shares 724,880 719,080 723,268 715,978 Effect of dilutive outstanding equity-based awards 9,647 9,372 9,734 10,410 Weighted average number of diluted common shares 734,527 728,452 733,002 726,388 Basic EPS $ 0.63 $ 0.59 $ 1.30 $ 1.29 Diluted EPS $ 0.62 $ 0.58 $ 1.29 $ 1.27 Anti-dilutive awards 8,344 14,379 9,938 14,815

Operating Segments (Tables)

Operating Segments (Tables)	6 Months Ended
	Jun. 30, 2015
Operating Segments
Schedule of Selected Financial Information Regarding Reportable Business Segments	Three Months Ended June 30, 2015 and 2014 Community Residential Dealer Specialized Banking Mortgage Banking Financial Services Lending 2015 2014 2015 2014 2015 2014 2015 2014 (Dollars in millions) Net interest income (expense) $ 432 $ 430 $ 343 $ 375 $ 216 $ 207 $ 154 $ 143 Net intersegment interest income (expense) 304 298 (227) (250) (38) (39) (43) (34) Segment net interest income 736 728 116 125 178 168 111 109 Allocated provision for loan and lease losses 11 35 3 (1) 48 31 7 13 Noninterest income 291 301 101 68 ― ― 74 51 Intersegment net referral fees (expense) 38 28 ― ― ― ― ― ― Noninterest expense 385 384 76 206 41 28 67 52 Amortization of intangibles 7 7 ― ― ― ― 1 1 Allocated corporate expenses 293 286 22 21 10 7 15 15 Income (loss) before income taxes 369 345 116 (33) 79 102 95 79 Provision (benefit) for income taxes 135 126 44 (12) 30 39 25 19 Segment net income (loss) $ 234 $ 219 $ 72 $ (21) $ 49 $ 63 $ 70 $ 60 Identifiable assets (period end) $ 56,911 $ 54,709 $ 34,218 $ 36,448 $ 13,906 $ 12,513 $ 19,561 $ 17,666 Other, Treasury Total BB&T Insurance Services Financial Services and Corporate (1) Corporation 2015 2014 2015 2014 2015 2014 2015 2014 (Dollars in millions) Net interest income (expense) $ ― $ 1 $ 53 $ 45 $ 114 $ 142 $ 1,312 $ 1,343 Net intersegment interest income (expense) 1 2 74 64 (71) (41) ― ― Segment net interest income 1 3 127 109 43 101 1,312 1,343 Allocated provision for loan and lease losses ― ― 23 3 5 (7) 97 74 Noninterest income 425 424 209 189 (81) (75) 1,019 958 Intersegment net referral fees (expense) ― ― 6 4 (44) (32) ― ― Noninterest expense 310 308 178 163 573 370 1,630 1,511 Amortization of intangibles 11 14 ― ― 4 1 23 23 Allocated corporate expenses 25 19 32 30 (397) (378) ― ― Income (loss) before income taxes 80 86 109 106 (267) 8 581 693 Provision (benefit) for income taxes 27 29 41 39 (222) (24) 80 216 Segment net income (loss) $ 53 $ 57 $ 68 $ 67 $ (45) $ 32 $ 501 $ 477 Identifiable assets (period end) $ 2,907 $ 3,015 $ 14,486 $ 11,972 $ 49,028 $ 51,720 $ 191,017 $ 188,043 (1) Includes financial data from subsidiaries below the quantitative and qualitative thresholds requiring disclosure. Six Months Ended June 30, 2015 and 2014 Community Residential Dealer Specialized Banking Mortgage Banking Financial Services Lending 2015 2014 2015 2014 2015 2014 2015 2014 (Dollars in millions) Net interest income (expense) $ 858 $ 854 $ 684 $ 753 $ 428 $ 409 $ 301 $ 281 Net intersegment interest income (expense) 588 597 (459) (501) (75) (77) (85) (68) Segment net interest income 1,446 1,451 225 252 353 332 216 213 Allocated provision for loan and lease losses 24 51 (9) (21) 109 104 26 22 Noninterest income 562 581 185 128 ― 1 138 100 Intersegment net referral fees (expense) 68 55 ― 1 ― ― ― ― Noninterest expense 756 766 156 292 73 57 126 103 Amortization of intangibles 13 15 ― ― ― ― 2 2 Allocated corporate expenses 584 571 44 42 19 14 30 29 Income (loss) before income taxes 699 684 219 68 152 158 170 157 Provision (benefit) for income taxes 255 250 83 26 58 60 43 38 Segment net income (loss) $ 444 $ 434 $ 136 $ 42 $ 94 $ 98 $ 127 $ 119 Identifiable assets (period end) $ 56,911 $ 54,709 $ 34,218 $ 36,448 $ 13,906 $ 12,513 $ 19,561 $ 17,666 Other, Treasury Total BB&T Insurance Services Financial Services and Corporate (1) Corporation 2015 2014 2015 2014 2015 2014 2015 2014 (Dollars in millions) Net interest income (expense) $ 1 $ 1 $ 102 $ 87 $ 250 $ 305 $ 2,624 $ 2,690 Net intersegment interest income (expense) 3 3 146 127 (118) (81) ― ― Segment net interest income 4 4 248 214 132 224 2,624 2,690 Allocated provision for loan and lease losses ― ― 47 3 (1) (25) 196 134 Noninterest income 867 855 408 367 (144) (147) 2,016 1,885 Intersegment net referral fees (expense) ― ― 11 8 (79) (64) ― ― Noninterest expense 612 611 341 311 967 733 3,031 2,873 Amortization of intangibles 23 27 1 1 5 1 44 46 Allocated corporate expenses 50 36 63 60 (790) (752) ― ― Income (loss) before income taxes 186 185 215 214 (272) 56 1,369 1,522 Provision (benefit) for income taxes 61 53 81 80 (260) (35) 321 472 Segment net income (loss) $ 125 $ 132 $ 134 $ 134 $ (12) $ 91 $ 1,048 $ 1,050 Identifiable assets (period end) $ 2,907 $ 3,015 $ 14,486 $ 11,972 $ 49,028 $ 51,720 $ 191,017 $ 188,043 (1) Includes financial data from subsidiaries below the quantitative and qualitative thresholds requiring disclosure.

Acquisitions and Divestitures41

Acquisitions and Divestitures (Narrative) (Details) $ in Billions	3 Months Ended
	Jun. 30, 2015USD ($)
Acquisitions and Divestitures Narrative
UPB of Loans Acquired from The Bank of Kentucky	$ 1.3

Acquisitions and Divestitures42

Acquisitions and Divestitures (Purchase Price Allocations) (Details) - USD ($) $ in Millions	Jun. 30, 2015	Mar. 31, 2015	Jun. 30, 2014
The Bank of Kentucky [Member]
Cash, due from banks and fed funds sold	$ 135
Securities	347
Loans	1,198
Goodwill	237
CDI	14
Other assets	98
Total assets acquired	2,029
Deposits	1,558
Debt	73
Other liabilities	3
Total liabilities assumed	1,634
Consideration paid (received)	395
Cash paid (received)	73
Fair value of common stock issued	$ 322
Citi 41 Branches in Texas [Member]
Cash, due from banks and fed funds sold		$ 14
Securities		0
Loans		61
Goodwill		79
CDI		36
Other assets		48
Total assets acquired		238
Deposits		1,907
Debt		0
Other liabilities		0
Total liabilities assumed		1,907
Consideration paid (received)		(1,669)
Cash paid (received)		(1,669)
Fair value of common stock issued		$ 0
Citi 21 Branches in Texas [Member]
Cash, due from banks and fed funds sold			$ 6
Securities			0
Loans			112
Goodwill			29
CDI			20
Other assets			16
Total assets acquired			183
Deposits			1,228
Debt			0
Other liabilities			0
Total liabilities assumed			1,228
Consideration paid (received)			(1,045)
Cash paid (received)			(1,045)
Fair value of common stock issued			$ 0

Acquisitions and Divestitures43

Acquisitions and Divestitures (AmRisc-American Coastal Summary) (Details) $ in Millions	6 Months Ended
	Jun. 30, 2015USD ($)
Acquisitions and Divestitures
Fair value of American Coastal	$ 216
Cash paid	146
Total consideration	362
Deferred tax asset recognized	(140)
Net charge to shareholders' equity	222
Net assets sold of American Coastal	(193)
Allocated goodwill	(49)
Pre-tax loss on sale of American Coastal	(26)
Income tax expense on sale of American Coastal	(8)
After tax net loss on sale of American Coastal	$ (34)

Securities (Narrative) (Details

Securities (Narrative) (Details) - USD ($) $ in Millions	Jun. 30, 2015	Dec. 31, 2014
FNMA Investment [Member]
Securities, amortized cost	$ 13,000
Securities, fair value	12,800
FHLMC Investment [Member]
Securities, amortized cost	5,800
Securities, fair value	5,800
States and Political Subdivisions [Member]
Fair value hedge basis adjustments	61
Acquired from FDIC Securities [Member]
Contractually specified indemnification amount, AFS securities	554
Acquired from FDIC Securities [Member] | Non-Agency MBS [Member]
Securities, fair value	853	$ 931
Acquired from FDIC Securities [Member] | States and Political Subdivisions [Member]
Securities, fair value	$ 304	$ 312

Securities (Amortized Cost, Gro

Securities (Amortized Cost, Gross Unrealized Gains, Gross Unrealized Losses and Approximate Fair Values of AFS Securities) (Details) - USD ($) $ in Millions	6 Months Ended	12 Months Ended
	Jun. 30, 2015	Dec. 31, 2014
AFS securities, amortized cost	$ 21,017	$ 20,660
AFS securities, gross unrealized gains	516	603
AFS securities, gross unrealized losses	350	356
AFS securities, fair value	21,183	20,907
U.S. Treasury [Member]
AFS securities, amortized cost	1,381	1,230
AFS securities, gross unrealized gains	5	1
AFS securities, gross unrealized losses	1	0
AFS securities, fair value	1,385	1,231
Agency MBS [Member]
AFS securities, amortized cost	16,655	16,358
AFS securities, gross unrealized gains	62	93
AFS securities, gross unrealized losses	283	297
AFS securities, fair value	16,434	16,154
States and Political Subdivisions [Member]
AFS securities, amortized cost	1,926	1,913
AFS securities, gross unrealized gains	99	120
AFS securities, gross unrealized losses	66	59
AFS securities, fair value	1,959	1,974
Non-Agency MBS [Member]
AFS securities, amortized cost	217	232
AFS securities, gross unrealized gains	26	32
AFS securities, gross unrealized losses	0	0
AFS securities, fair value	243	264
Other [Member]
AFS securities, amortized cost	5	41
AFS securities, gross unrealized gains	0	0
AFS securities, gross unrealized losses	0	0
AFS securities, fair value	5	41
Acquired from FDIC Securities [Member]
AFS securities, amortized cost	833	886
AFS securities, gross unrealized gains	324	357
AFS securities, gross unrealized losses	0	0
AFS securities, fair value	$ 1,157	$ 1,243

Securities (Amortized Cost, G46

Securities (Amortized Cost, Gross Unrealized Gains, Gross Unrealized Losses and Approximate Fair Values of HTM Securities) (Details) - USD ($) $ in Millions	6 Months Ended	12 Months Ended
	Jun. 30, 2015	Dec. 31, 2014
HTM securities, amortized cost	$ 19,437	$ 20,240
HTM securities, gross unrealized gains	145	193
HTM securities, gross unrealized losses	127	120
HTM securities, fair value	19,455	20,313
U.S. Treasury [Member]
HTM securities, amortized cost	1,097	1,096
HTM securities, gross unrealized gains	25	23
HTM securities, gross unrealized losses	0	0
HTM securities, fair value	1,122	1,119
GSE [Member]
HTM securities, amortized cost	5,395	5,394
HTM securities, gross unrealized gains	17	17
HTM securities, gross unrealized losses	114	108
HTM securities, fair value	5,298	5,303
Agency MBS [Member]
HTM securities, amortized cost	12,335	13,120
HTM securities, gross unrealized gains	89	137
HTM securities, gross unrealized losses	13	12
HTM securities, fair value	12,411	13,245
States and Political Subdivisions [Member]
HTM securities, amortized cost	21	22
HTM securities, gross unrealized gains	1	2
HTM securities, gross unrealized losses	0	0
HTM securities, fair value	22	24
Other [Member]
HTM securities, amortized cost	589	608
HTM securities, gross unrealized gains	13	14
HTM securities, gross unrealized losses	0	0
HTM securities, fair value	$ 602	$ 622

Securities (Schedule of Credit

Securities (Schedule of Credit Losses on Securities with OTTI, Excluding Securities Acquired from the FDIC, Where a Portion of the Unrealized Loss was Recognized in OCI (Details) - USD ($) $ in Millions	3 Months Ended		6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014
Securities
Balance at beginning of period	$ 61	$ 76	$ 64	$ 78
Credit losses on securities without previously recognized OTTI	0	0	0	1
Credit losses on securities with previously recognized OTTI	3	0	3	0
Reductions for securities sold/settled during the period	(4)	(3)	(7)	(6)
Credit recoveries through yield	(1)	(1)	(1)	(1)
Balance at end of period	$ 59	$ 72	$ 59	$ 72

Securities (Amortized Cost and

Securities (Amortized Cost and Estimated Fair Value of Debt Securities by Contractual Maturity) (Details) - USD ($) $ in Millions	Jun. 30, 2015	Dec. 31, 2014
Securities
AFS securities, debt securities due in one year or less, amortized cost	$ 271
AFS securities, debt securities due in one year or less, fair value	271
AFS securities, debt securities due after one year through five years, amortized cost	1,332
AFS securities, debt securities due after one year through five years, fair value	1,345
AFS securities, debt securities due after five years through ten years, amortized cost	639
AFS securities, debt securities due after five years through ten years, fair value	661
AFS securities, debt securities due after ten years, amortized cost	18,775
AFS securities, debt securities due after ten years, fair value	18,906
Total AFS debt securities, amortized cost	21,017
Total AFS debt securities, fair value	21,183
HTM securities, debt securities due in one year or less, amortized cost	1
HTM securities, debt securities due in one year or less, fair value	1
HTM securities, debt securities due after one year through five years, amortized cost	750
HTM securities, debt securities due after one year through five years, fair value	740
HTM securities, debt securities due after five years through ten years, amortized cost	6,005
HTM securities, debt securities due after five years through ten years, fair value	5,947
HTM securities, debt securities due after ten years, amortized cost	12,681
HTM securities, debt securities due after ten years, fair value	12,767
Total HTM securities, amortized cost	19,437	$ 20,240
Total HTM securities, fair value	$ 19,455	$ 20,313

Securities (Gross Unrealized Lo

Securities (Gross Unrealized Losses and Fair Values of Investments by Investment Category and Length of Time) (Details) - USD ($) $ in Millions	6 Months Ended	12 Months Ended
	Jun. 30, 2015	Dec. 31, 2014
Fair value of temporarily impaired AFS securities, less than 12 months	$ 4,489	$ 2,298
Unrealized losses on temporarily impaired AFS securities, less than 12 months	48	19
Fair value of temporarily impaired AFS securities, 12 months or more	6,377	7,327
Unrealized losses on temporarily impaired AFS securities, 12 months or more	302	337
Total fair value of temporarily impaired AFS securities	10,866	9,625
Total unrealized losses on temporarily impaired AFS securities	350	356
Fair value of temporarily impaired HTM securities, less than 12 months	5,049	2,225
Unrealized losses on temporarily impaired HTM securities, less than 12 months	70	10
Fair value of temporarily impaired HTM securities, 12 months or more	2,382	4,768
Unrealized losses on temporarily impaired HTM securities, 12 months or more	57	110
Total fair value of temporarily impaired HTM securities	7,431	6,993
Total unrealized losses on temporarily impaired HTM securities	127	120
U.S. Treasury [Member]
Fair value of temporarily impaired AFS securities, less than 12 months	259
Unrealized losses on temporarily impaired AFS securities, less than 12 months	1
Fair value of temporarily impaired AFS securities, 12 months or more	0
Unrealized losses on temporarily impaired AFS securities, 12 months or more	0
Total fair value of temporarily impaired AFS securities	259
Total unrealized losses on temporarily impaired AFS securities	1
GSE [Member]
Fair value of temporarily impaired HTM securities, less than 12 months	2,883	896
Unrealized losses on temporarily impaired HTM securities, less than 12 months	59	5
Fair value of temporarily impaired HTM securities, 12 months or more	1,995	3,968
Unrealized losses on temporarily impaired HTM securities, 12 months or more	55	103
Total fair value of temporarily impaired HTM securities	4,878	4,864
Total unrealized losses on temporarily impaired HTM securities	114	108
Agency MBS [Member]
Fair value of temporarily impaired AFS securities, less than 12 months	4,151	2,285
Unrealized losses on temporarily impaired AFS securities, less than 12 months	45	19
Fair value of temporarily impaired AFS securities, 12 months or more	5,946	6,878
Unrealized losses on temporarily impaired AFS securities, 12 months or more	238	278
Total fair value of temporarily impaired AFS securities	10,097	9,163
Total unrealized losses on temporarily impaired AFS securities	283	297
Fair value of temporarily impaired HTM securities, less than 12 months	2,166	1,329
Unrealized losses on temporarily impaired HTM securities, less than 12 months	11	5
Fair value of temporarily impaired HTM securities, 12 months or more	387	800
Unrealized losses on temporarily impaired HTM securities, 12 months or more	2	7
Total fair value of temporarily impaired HTM securities	2,553	2,129
Total unrealized losses on temporarily impaired HTM securities	13	12
States and Political Subdivisions [Member]
Fair value of temporarily impaired AFS securities, less than 12 months	79	13
Unrealized losses on temporarily impaired AFS securities, less than 12 months	2	0
Fair value of temporarily impaired AFS securities, 12 months or more	431	449
Unrealized losses on temporarily impaired AFS securities, 12 months or more	64	59
Total fair value of temporarily impaired AFS securities	510	462
Total unrealized losses on temporarily impaired AFS securities	$ 66	$ 59

Loans and ACL (Narrative) (Deta

Loans and ACL (Narrative) (Details) - USD ($) $ in Millions	3 Months Ended					6 Months Ended
	Jun. 30, 2015	Dec. 31, 2014	Sep. 30, 2014	Jun. 30, 2014	Mar. 31, 2014	Jun. 30, 2015	Jun. 30, 2014
Loans and leases	$ 122,301	$ 119,884				$ 122,301
Related ALLL	1,457	1,474				1,457
Modifications that defaulted during the period that had been classified as a TDR during the previous 12 months	14			$ 17		35	$ 38
Retail Residential Mortgage-Nonguaranteed [Member]
Loans sold		140	$ 550
Allowance for loan and lease losses, loans sold		19	57
Gain on sale of residential mortgage loans		$ 24	$ 42
Loans transferred					$ 8,300
Direct Retail Lending [Member]
Loans transferred					$ (8,300)
Acquired from FDIC [Member] | Expired Loss Share [Member]
Loans and leases	392					392
Outstanding UPB at end of period	617					617
Related ALLL	41					41
Acquired from FDIC [Member] | Covered [Member]
Loans and leases	$ 600					$ 600

Loans and ACL (Aging Analysis o

Loans and ACL (Aging Analysis of Past Due Loans and Leases) (Details) - USD ($) $ in Millions	Jun. 30, 2015	Dec. 31, 2014
Loans and leases, current	$ 120,194	$ 117,425
Loans and leases, 30-89 days past due	836	898
Loans and leases, 90 days or more past due	699	945
Nonaccrual loans and leases	572	616
Total loans and leases	122,301	119,884
Commercial and Industrial [Member]
Loans and leases, current	43,393	41,192
Loans and leases, 30-89 days past due	16	23
Nonaccrual loans and leases	198	239
Total loans and leases	43,607	41,454
CRE Income Producing Properties [Member]
Loans and leases, current	11,069	10,644
Loans and leases, 30-89 days past due	4	4
Nonaccrual loans and leases	59	74
Total loans and leases	11,132	10,722
CRE Construction And Development [Member]
Loans and leases, current	2,855	2,708
Loans and leases, 30-89 days past due	3	1
Nonaccrual loans and leases	16	26
Total loans and leases	2,874	2,735
Commercial Other Lending Subsidiaries [Member]
Loans and leases, current	5,475	5,337
Loans and leases, 30-89 days past due	18	15
Loans and leases, 90 days or more past due	0	0
Nonaccrual loans and leases	12	4
Total loans and leases	5,505	5,356
Direct Retail Lending [Member]
Loans and leases, current	8,583	8,045
Loans and leases, 30-89 days past due	41	41
Loans and leases, 90 days or more past due	10	12
Nonaccrual loans and leases	41	48
Total loans and leases	8,675	8,146
Retail Revolving Credit [Member]
Loans and leases, current	2,379	2,428
Loans and leases, 30-89 days past due	19	23
Loans and leases, 90 days or more past due	9	9
Nonaccrual loans and leases	0	0
Total loans and leases	2,407	2,460
Retail Residential Mortgage-Nonguaranteed [Member]
Loans and leases, current	28,605	29,468
Loans and leases, 30-89 days past due	362	392
Loans and leases, 90 days or more past due	60	83
Nonaccrual loans and leases	188	164
Total loans and leases	29,215	30,107
Retail Residential Mortgage-Government Guaranteed [Member]
Loans and leases, current	270	251
Loans and leases, 30-89 days past due	77	82
Loans and leases, 90 days or more past due	492	648
Nonaccrual loans and leases	0	2
Total loans and leases	839	983
Retail Sales Finance [Member]
Loans and leases, current	10,423	10,528
Loans and leases, 30-89 days past due	53	62
Loans and leases, 90 days or more past due	4	5
Nonaccrual loans and leases	13	5
Total loans and leases	10,493	10,600
Retail Other Lending Subsidiaries [Member]
Loans and leases, current	6,305	5,830
Loans and leases, 30-89 days past due	212	222
Nonaccrual loans and leases	45	54
Total loans and leases	6,562	6,106
Acquired from FDIC [Member]
Loans and leases, current	837	994
Loans and leases, 30-89 days past due	31	33
Loans and leases, 90 days or more past due	124	188
Nonaccrual loans and leases	0	0
Total loans and leases	$ 992	$ 1,215

Loans and ACL (Commercial Credi

Loans and ACL (Commercial Credit Exposure Credit Risk Profile by Internal Loan Risk Rating) (Details) - USD ($) $ in Millions	Jun. 30, 2015	Dec. 31, 2014
Loans and leases	$ 122,301	$ 119,884
Commercial and Industrial [Member]
Loans and leases	43,607	41,454
Commercial and Industrial [Member] | Pass [Member]
Loans and leases	41,951	40,055
Commercial and Industrial [Member] | Special Mention [Member]
Loans and leases	296	163
Commercial and Industrial [Member] | Substandard Performing [Member]
Loans and leases	1,162	997
Commercial and Industrial [Member] | Nonperforming [Member]
Loans and leases	198	239
CRE Income Producing Properties [Member]
Loans and leases	11,132	10,722
CRE Income Producing Properties [Member] | Pass [Member]
Loans and leases	10,657	10,253
CRE Income Producing Properties [Member] | Special Mention [Member]
Loans and leases	102	67
CRE Income Producing Properties [Member] | Substandard Performing [Member]
Loans and leases	314	328
CRE Income Producing Properties [Member] | Nonperforming [Member]
Loans and leases	59	74
CRE Construction And Development [Member]
Loans and leases	2,874	2,735
CRE Construction And Development [Member] | Pass [Member]
Loans and leases	2,761	2,615
CRE Construction And Development [Member] | Special Mention [Member]
Loans and leases	17	7
CRE Construction And Development [Member] | Substandard Performing [Member]
Loans and leases	80	87
CRE Construction And Development [Member] | Nonperforming [Member]
Loans and leases	16	26
Commercial Other Lending Subsidiaries [Member]
Loans and leases	5,505	5,356
Commercial Other Lending Subsidiaries [Member] | Pass [Member]
Loans and leases	5,464	5,317
Commercial Other Lending Subsidiaries [Member] | Special Mention [Member]
Loans and leases	15	10
Commercial Other Lending Subsidiaries [Member] | Substandard Performing [Member]
Loans and leases	14	25
Commercial Other Lending Subsidiaries [Member] | Nonperforming [Member]
Loans and leases	$ 12	$ 4

Loans and ACL (Schedule of Reta

Loans and ACL (Schedule of Retail Credit Exposure, Credit Risk Profile Based on Payment Activity) (Details) - USD ($) $ in Millions	Jun. 30, 2015	Dec. 31, 2014
Loans and leases	$ 122,301	$ 119,884
Direct Retail Lending [Member]
Loans and leases	8,675	8,146
Direct Retail Lending [Member] | Performing [Member]
Loans and leases	8,634	8,098
Direct Retail Lending [Member] | Nonperforming [Member]
Loans and leases	41	48
Retail Revolving Credit [Member]
Loans and leases	2,407	2,460
Retail Revolving Credit [Member] | Performing [Member]
Loans and leases	2,407	2,460
Retail Revolving Credit [Member] | Nonperforming [Member]
Loans and leases	0	0
Retail Residential Mortgage [Member]
Loans and leases	30,054	31,090
Retail Residential Mortgage [Member] | Performing [Member]
Loans and leases	29,866	30,924
Retail Residential Mortgage [Member] | Nonperforming [Member]
Loans and leases	188	166
Retail Sales Finance [Member]
Loans and leases	10,493	10,600
Retail Sales Finance [Member] | Performing [Member]
Loans and leases	10,480	10,595
Retail Sales Finance [Member] | Nonperforming [Member]
Loans and leases	13	5
Retail Other Lending Subsidiaries [Member]
Loans and leases	6,562	6,106
Retail Other Lending Subsidiaries [Member] | Performing [Member]
Loans and leases	6,517	6,052
Retail Other Lending Subsidiaries [Member] | Nonperforming [Member]
Loans and leases	$ 45	$ 54

Loans and ACL (Analysis of the

Loans and ACL (Analysis of the Allowance for Credit Losses) (Details) - USD ($) $ in Millions	3 Months Ended		6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014
Provision (benefit)	$ 97	$ 74	$ 196	$ 134
Commercial and Industrial [Member]
ACL, beginning balance	448	423	421	454
Charge-offs	(32)	(40)	(46)	(73)
Recoveries	13	10	21	19
Provision (benefit)	28	30	61	23
Other				0
ACL, ending balance	457	423	457	423
CRE Income Producing Properties [Member]
ACL, beginning balance	153	136	162	149
Charge-offs	(4)	(11)	(13)	(19)
Recoveries	1	3	3	5
Provision (benefit)	(9)	(1)	(11)	(8)
Other				0
ACL, ending balance	141	127	141	127
CRE Construction And Development [Member]
ACL, beginning balance	42	65	48	76
Charge-offs	0	(3)	(2)	(7)
Recoveries	2	10	6	13
Provision (benefit)	(6)	(13)	(14)	(23)
Other				0
ACL, ending balance	38	59	38	59
Commercial Other Lending Subsidiaries [Member]
ACL, beginning balance	22	16	21	15
Charge-offs	(2)	(1)	(5)	(2)
Recoveries	1	1	2	1
Provision (benefit)	0	1	3	3
Other				0
ACL, ending balance	21	17	21	17
Direct Retail Lending [Member]
ACL, beginning balance	111	120	110	209
Charge-offs	(13)	(19)	(25)	(38)
Recoveries	7	7	15	15
Provision (benefit)	8	16	13	23
Other				(85)
ACL, ending balance	113	124	113	124
Retail Revolving Credit [Member]
ACL, beginning balance	106	115	110	115
Charge-offs	(19)	(18)	(37)	(36)
Recoveries	5	5	10	10
Provision (benefit)	10	10	19	23
Other				0
ACL, ending balance	102	112	102	112
Retail Residential Mortgage-Nonguaranteed [Member]
ACL, beginning balance	200	327	217	269
Charge-offs	(7)	(20)	(18)	(41)
Recoveries	1	0	1	1
Provision (benefit)	3	17	(3)	10
Other				85
ACL, ending balance	197	324	197	324
Retail Residential Mortgage-Government Guaranteed [Member]
ACL, beginning balance	30	69	36	62
Charge-offs	(2)	(1)	(2)	(1)
Recoveries	0	0	0	0
Provision (benefit)	0	(17)	(6)	(10)
Other				0
ACL, ending balance	28	51	28	51
Retail Sales Finance [Member]
ACL, beginning balance	58	45	50	45
Charge-offs	(5)	(4)	(11)	(11)
Recoveries	2	2	5	5
Provision (benefit)	(1)	1	10	5
Other				0
ACL, ending balance	54	44	54	44
Retail Other Lending Subsidiaries [Member]
ACL, beginning balance	237	222	235	224
Charge-offs	(55)	(46)	(119)	(130)
Recoveries	9	8	17	16
Provision (benefit)	58	34	116	108
Other				0
ACL, ending balance	249	218	249	218
Acquired from FDIC [Member]
ACL, beginning balance	57	104	64	114
Charge-offs	0	(4)	(1)	(7)
Recoveries	0	0	0	0
Provision (benefit)	0	(9)	(6)	(16)
Other				0
ACL, ending balance	57	91	57	91
ALLL [Member]
ACL, beginning balance	1,464	1,642	1,474	1,732
Charge-offs	(139)	(167)	(279)	(365)
Recoveries	41	46	80	85
Provision (benefit)	91	69	182	138
Other				0
ACL, ending balance	1,457	1,590	1,457	1,590
RUFC [Member]
ACL, beginning balance	68	80	60	89
Charge-offs	0	0	0	0
Recoveries	0	0	0	0
Provision (benefit)	6	5	14	(4)
Other	4		4	0
ACL, ending balance	78	85	78	85
ACL [Member]
ACL, beginning balance	1,532	1,722	1,534	1,821
Charge-offs	(139)	(167)	(279)	(365)
Recoveries	41	46	80	85
Provision (benefit)	97	74	196	134
Other	4		4	0
ACL, ending balance	$ 1,535	$ 1,675	$ 1,535	$ 1,675

Loans and ACL (Summary of Loans

Loans and ACL (Summary of Loans Collectively Evaluated for Impairment) (Details) - USD ($) $ in Millions	Jun. 30, 2015	Dec. 31, 2014
Recorded Investment, Collectively evaluated for impairment	$ 120,706	$ 118,197
Related ALLL, Collectively evaluated for impairment	1,264	1,264
Commercial and Industrial [Member]
Recorded Investment, Collectively evaluated for impairment	43,300	41,120
Related ALLL, Collectively evaluated for impairment	424	379
CRE Income Producing Properties [Member]
Recorded Investment, Collectively evaluated for impairment	11,009	10,583
Related ALLL, Collectively evaluated for impairment	131	147
CRE Construction And Development [Member]
Recorded Investment, Collectively evaluated for impairment	2,832	2,670
Related ALLL, Collectively evaluated for impairment	30	39
Commercial Other Lending Subsidiaries [Member]
Recorded Investment, Collectively evaluated for impairment	5,493	5,351
Related ALLL, Collectively evaluated for impairment	18	20
Direct Retail Lending [Member]
Recorded Investment, Collectively evaluated for impairment	8,585	8,048
Related ALLL, Collectively evaluated for impairment	91	86
Retail Revolving Credit [Member]
Recorded Investment, Collectively evaluated for impairment	2,371	2,419
Related ALLL, Collectively evaluated for impairment	88	94
Retail Residential Mortgage-Nonguaranteed [Member]
Recorded Investment, Collectively evaluated for impairment	28,761	29,660
Related ALLL, Collectively evaluated for impairment	155	181
Retail Residential Mortgage-Government Guaranteed [Member]
Recorded Investment, Collectively evaluated for impairment	511	622
Related ALLL, Collectively evaluated for impairment	2	4
Retail Sales Finance [Member]
Recorded Investment, Collectively evaluated for impairment	10,473	10,579
Related ALLL, Collectively evaluated for impairment	50	46
Retail Other Lending Subsidiaries [Member]
Recorded Investment, Collectively evaluated for impairment	6,379	5,930
Related ALLL, Collectively evaluated for impairment	218	204
Acquired from FDIC [Member]
Recorded Investment, Collectively evaluated for impairment	992	1,215
Related ALLL, Collectively evaluated for impairment	$ 57	$ 64

Loans and ACL (Schedule of Info

Loans and ACL (Schedule of Information Regarding Impaired Loans) (Details) - USD ($) $ in Millions	3 Months Ended	12 Months Ended
	Jun. 30, 2015	Dec. 31, 2014
Impaired Loans Excluding Acquired and LHFS [Member]
Recorded investment	$ 1,595	$ 1,687
UPB	1,763	1,872
Average recorded investment	1,628	2,257
Interest income recognized	39	97
Impaired Financing Receivable With No Related Allowance Recorded [Member] | Commercial and Industrial [Member]
Recorded investment	88	87
UPB	120	136
Average recorded investment	85	138
Interest income recognized	0	2
Impaired Financing Receivable With No Related Allowance Recorded [Member] | CRE Income Producing Properties [Member]
Recorded investment	24	18
UPB	33	25
Average recorded investment	19	36
Interest income recognized	0	0
Impaired Financing Receivable With No Related Allowance Recorded [Member] | CRE Construction And Development [Member]
Recorded investment	4	14
UPB	6	21
Average recorded investment	10	20
Interest income recognized	0	0
Impaired Financing Receivable With No Related Allowance Recorded [Member] | Commercial Other Lending Subsidiaries [Member]
Recorded investment	0	0
UPB	2	1
Average recorded investment	1	0
Interest income recognized	0	0
Impaired Financing Receivable With No Related Allowance Recorded [Member] | Direct Retail Lending [Member]
Recorded investment	12	13
UPB	43	49
Average recorded investment	13	14
Interest income recognized	0	1
Impaired Financing Receivable With No Related Allowance Recorded [Member] | Retail Residential Mortgage-Nonguaranteed [Member]
Recorded investment	90	87
UPB	151	141
Average recorded investment	107	147
Interest income recognized	2	5
Impaired Financing Receivable With No Related Allowance Recorded [Member] | Retail Residential Mortgage-Government Guaranteed [Member]
Recorded investment	2	3
UPB	3	4
Average recorded investment	3	7
Interest income recognized	0	0
Impaired Financing Receivable With No Related Allowance Recorded [Member] | Retail Sales Finance [Member]
Recorded investment	1	1
UPB	2	2
Average recorded investment	1	1
Interest income recognized	0	0
Impaired Financing Receivable With No Related Allowance Recorded [Member] | Retail Other Lending Subsidiaries [Member]
Recorded investment	3	3
UPB	7	7
Average recorded investment	3	3
Interest income recognized	0	0
Impaired Financing Receivable With Related Allowance Recorded [Member]
Related ALLL	193	210
Impaired Financing Receivable With Related Allowance Recorded [Member] | Commercial and Industrial [Member]
Recorded investment	219	247
UPB	225	254
Related ALLL	33	42
Average recorded investment	237	279
Interest income recognized	2	5
Impaired Financing Receivable With Related Allowance Recorded [Member] | CRE Income Producing Properties [Member]
Recorded investment	99	121
UPB	100	123
Related ALLL	10	15
Average recorded investment	108	133
Interest income recognized	2	4
Impaired Financing Receivable With Related Allowance Recorded [Member] | CRE Construction And Development [Member]
Recorded investment	38	51
UPB	38	52
Related ALLL	8	9
Average recorded investment	41	65
Interest income recognized	1	2
Impaired Financing Receivable With Related Allowance Recorded [Member] | Commercial Other Lending Subsidiaries [Member]
Recorded investment	12	5
UPB	13	5
Related ALLL	3	1
Average recorded investment	6	4
Interest income recognized	0	0
Impaired Financing Receivable With Related Allowance Recorded [Member] | Direct Retail Lending [Member]
Recorded investment	78	85
UPB	80	87
Related ALLL	22	24
Average recorded investment	82	95
Interest income recognized	2	5
Impaired Financing Receivable With Related Allowance Recorded [Member] | Retail Revolving Credit [Member]
Recorded investment	36	41
UPB	36	41
Related ALLL	14	16
Average recorded investment	38	45
Interest income recognized	1	2
Impaired Financing Receivable With Related Allowance Recorded [Member] | Retail Residential Mortgage-Nonguaranteed [Member]
Recorded investment	364	360
UPB	376	370
Related ALLL	42	36
Average recorded investment	345	700
Interest income recognized	8	31
Impaired Financing Receivable With Related Allowance Recorded [Member] | Retail Residential Mortgage-Government Guaranteed [Member]
Recorded investment	326	358
UPB	327	358
Related ALLL	26	32
Average recorded investment	333	402
Interest income recognized	7	17
Impaired Financing Receivable With Related Allowance Recorded [Member] | Retail Sales Finance [Member]
Recorded investment	19	20
UPB	19	21
Related ALLL	4	4
Average recorded investment	19	20
Interest income recognized	0	1
Impaired Financing Receivable With Related Allowance Recorded [Member] | Retail Other Lending Subsidiaries [Member]
Recorded investment	180	173
UPB	182	175
Related ALLL	31	31
Average recorded investment	177	148
Interest income recognized	$ 14	$ 22

Loans and ACL (Summary of TDRs)

Loans and ACL (Summary of TDRs) (Details) - USD ($) $ in Millions	Jun. 30, 2015	Dec. 31, 2014
Total performing TDRs	$ 1,027	$ 1,050
Nonperforming TDRs	127	126
Total TDRs	1,154	1,176
ALLL attributable to TDRs	151	159
PerformingTDRs [Member]
Commercial and industrial	75	64
CRE - income producing properties	21	27
CRE - construction and development	23	30
Direct retail lending	81	84
Sales finance	18	19
Revolving credit	36	41
Residential mortgage-nonguaranteed	273	261
Residential mortgage-government guaranteed	328	360
Other lending subsidiaries	$ 172	$ 164

Loans and ACL (Summary of the P

Loans and ACL (Summary of the Primary Reason Loan Modifications Were Classified as TDRs) (Details) - USD ($) $ in Millions	3 Months Ended		6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014
Commercial and Industrial [Member]
Summary Of Reason Modifications Were Considered TDRs [Line Items]
TDR rate modification	$ 40	$ 49	$ 49	$ 68
TDR structure modification	10	10	24	29
TDR impact to allowance	1	1	2	2
CRE Income Producing Properties [Member]
Summary Of Reason Modifications Were Considered TDRs [Line Items]
TDR rate modification	2	5	4	13
TDR structure modification	10	6	13	11
TDR impact to allowance	0	0	0	0
CRE Construction And Development [Member]
Summary Of Reason Modifications Were Considered TDRs [Line Items]
TDR rate modification	0	6	0	11
TDR structure modification	9	10	12	13
TDR impact to allowance	0	0	0	0
Direct Retail Lending [Member]
Summary Of Reason Modifications Were Considered TDRs [Line Items]
TDR rate modification	3	8	6	19
TDR structure modification	0	1	0	3
TDR impact to allowance	1	1	2	4
Retail Revolving Credit [Member]
Summary Of Reason Modifications Were Considered TDRs [Line Items]
TDR rate modification	4	6	8	13
TDR structure modification	0	0	0	0
TDR impact to allowance	1	2	2	3
Retail Residential Mortgage-Nonguaranteed [Member]
Summary Of Reason Modifications Were Considered TDRs [Line Items]
TDR rate modification	21	19	44	51
TDR structure modification	10	8	22	17
TDR impact to allowance	2	2	5	13
Retail Residential Mortgage-Government Guaranteed [Member]
Summary Of Reason Modifications Were Considered TDRs [Line Items]
TDR rate modification	49	105	109	144
TDR structure modification	0	0	0	0
TDR impact to allowance	2	4	4	7
Retail Sales Finance [Member]
Summary Of Reason Modifications Were Considered TDRs [Line Items]
TDR rate modification	0	1	0	1
TDR structure modification	3	1	5	6
TDR impact to allowance	0	0	0	1
Retail Other Lending Subsidiaries [Member]
Summary Of Reason Modifications Were Considered TDRs [Line Items]
TDR rate modification	29	29	60	58
TDR structure modification	0	0	0	0
TDR impact to allowance	$ 4	$ 3	$ 8	$ 8

Loans and ACL (Changes in Carry

Loans and ACL (Changes in Carrying Amount and Accretable Yield for Loans Acquired From FDIC) (Details) - USD ($) $ in Millions	6 Months Ended	12 Months Ended
	Jun. 30, 2015	Dec. 31, 2014
Purchased Impaired Loans [Member]
Accretable yield for purchased loans, beginning balance	$ 134	$ 187
Accretion	(35)	(107)
Other, net	23	54
Accretable yield for purchased loans, ending balance	122	134
Carrying amount of loans, beginning balance	579	863
Accretion	35	107
Payments received, net	(133)	(391)
Carrying amount of loans, ending balance	481	579
Outstanding UPB at end of period	728	864
Purchased Nonimpaired Loans [Member]
Accretable yield for purchased loans, beginning balance	244	351
Accretion	(49)	(169)
Other, net	9	62
Accretable yield for purchased loans, ending balance	204	244
Carrying amount of loans, beginning balance	636	1,172
Accretion	49	169
Payments received, net	(174)	(705)
Carrying amount of loans, ending balance	511	636
Outstanding UPB at end of period	$ 704	$ 860

Loans and ACL (Selected Informa

Loans and ACL (Selected Information About Loans and Leases) (Details) - USD ($) $ in Millions	Jun. 30, 2015	Dec. 31, 2014
Loans and ACL
Unearned income and net deferred loan fees and costs	$ 183	$ 147
Residential mortgage loans in process of foreclosure	$ 295	$ 379

Goodwill and Other Intangible61

Goodwill and Other Intangible Assets (Changes in Carrying Amounts of Goodwill Attributable to Each Operating Segment) (Details) $ in Millions	6 Months Ended
	Jun. 30, 2015USD ($)
Goodwill, beginning balance	$ 6,869
Acquisitions	319
Allocated to sale of American Coastal	(49)
Other adjustments	2
Goodwill, ending balance	7,141
Community Banking [Member]
Goodwill, beginning balance	4,634
Acquisitions	316
Allocated to sale of American Coastal	0
Other adjustments	5
Goodwill, ending balance	4,955
Residential Mortgage Banking [Member]
Goodwill, beginning balance	326
Acquisitions	0
Allocated to sale of American Coastal	0
Other adjustments	0
Goodwill, ending balance	326
Dealer Financial Services [Member]
Goodwill, beginning balance	111
Acquisitions	0
Allocated to sale of American Coastal	0
Other adjustments	0
Goodwill, ending balance	111
Specialized Lending [Member]
Goodwill, beginning balance	88
Acquisitions	0
Allocated to sale of American Coastal	0
Other adjustments	0
Goodwill, ending balance	88
Insurance Services [Member]
Goodwill, beginning balance	1,518
Acquisitions	3
Allocated to sale of American Coastal	(49)
Other adjustments	(3)
Goodwill, ending balance	1,469
Financial Services [Member]
Goodwill, beginning balance	192
Acquisitions	0
Allocated to sale of American Coastal	0
Other adjustments	0
Goodwill, ending balance	$ 192

Goodwill and Other Intangible62

Goodwill and Other Intangible Assets (Identifiable Intangible Assets) (Details) - USD ($) $ in Millions	Jun. 30, 2015	Dec. 31, 2014
Acquired Finite Lived Intangible Assets
Gross carrying amount	$ 1,833	$ 1,781
Accumulated amortization	(1,319)	(1,276)
Net carrying amount	514	505
CDI [Member]
Acquired Finite Lived Intangible Assets
Gross carrying amount	743	693
Accumulated amortization	(601)	(585)
Net carrying amount	142	108
Other Identifiable Intangible Assets [Member]
Acquired Finite Lived Intangible Assets
Gross carrying amount	1,090	1,088
Accumulated amortization	(718)	(691)
Net carrying amount	$ 372	$ 397

Loan Servicing (Narrative) (Det

Loan Servicing (Narrative) (Details) $ in Millions	Jun. 30, 2015USD ($)
Loan Servicing
Potential Exposure Related To Losses Incurred By FHA On Defaulted Loans Minimum Value	$ 25
Potential Exposure Related To Losses Incurred By FHA On Defaulted Loans Maximum Value	$ 105

Loan Servicing (Residential Mor

Loan Servicing (Residential Mortgage Loans Managed or Securitized) (Details) - USD ($) $ in Millions	6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Dec. 31, 2014
Loan Servicing
Mortgage and home equity loans managed	$ 33,483		$ 33,742
LHFS	2,184		1,317
Mortgage loans acquired from FDIC	626		668
Mortgage loans sold with recourse	619		667
Mortgage loans held for investment	30,054		31,090
UPB of mortgage loan servicing portfolio	115,122		115,476
UPB of home equity loan servicing portfolio	6,040		6,781
UPB of residential mortgage and home equity loans servicing portfolio	121,162		122,257
UPB of residential mortgage loans serviced for others (primarily agency conforming fixed rate)	89,235		90,230
Maximum recourse exposure from mortgage loans sold with recourse liability	335		344
Indemnification, recourse and repurchase reserves	83		94
FHA-insured mortgage loan reserve	85		$ 85
UPB of residential mortgage loans sold from LHFS	6,804	$ 5,972
Pre-tax gains recognized on mortgage loans sold and held for sale	74	38
Servicing fees recognized from mortgage loans serviced for others	$ 136	$ 136
Approximate weighted average servicing fee on the outstanding balance of residential mortgage loans serviced for others	0.29%	0.30%
Weighted average interest rate on mortgage loans serviced for others	4.16%	4.23%

Loan Servicing (Analysis of Act

Loan Servicing (Analysis of Activity in Residential MSRs) (Details) - USD ($) $ in Millions	6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014
Loan Servicing
Carrying value, beginning balance	$ 844	$ 1,047
Additions	68	66
Change in fair value due to change in prepayment speeds	166	(100)
Change in fair value due to change in OAS	(70)	3
Change in fair value due to change in servicing costs	(25)	0
Realization of expected net servicing cash flows, passage of time and other	(71)	(62)
Carrying value, ending balance	912	954
Gains (losses) on derivative financial instruments used to mitigate the income statement effect of changes in fair value	$ (38)	$ 105

Loan Servicing (Residential MSR

Loan Servicing (Residential MSRs Sensitivity) (Details) $ in Millions	6 Months Ended	12 Months Ended
	Jun. 30, 2015USD ($)Yr	Dec. 31, 2014USD ($)Yr
Residential Mortgage Servicing Rights [Member]
Prepayment speed	7.00%	12.00%
Effect on fair value of a 10% increase in prepayment speed	$ (26)	$ (30)
Effect on fair value of a 20% increase in prepayment speed	$ (51)	$ (58)
OAS	11.00%	9.30%
Effect on fair value of a 10% increase in OAS	$ (37)	$ (26)
Effect on fair value of a 20% increase in OAS	$ (72)	$ (50)
Composition of residential mortgage loans serviced for others	100.00%	100.00%
Weighted average life, in years | Yr	7.7	5.7
Residential Mortgage Servicing Rights [Member] | Maximum [Member]
Prepayment speed	7.70%	12.80%
OAS	12.40%	9.90%
Residential Mortgage Servicing Rights [Member] | Minimum [Member]
Prepayment speed	4.80%	10.80%
OAS	10.50%	9.10%
Fixed-Rate Residential Mortgage [Member]
Composition of residential mortgage loans serviced for others	99.30%	99.40%
Adjustable Rate Residential Mortgage [Member]
Composition of residential mortgage loans serviced for others	0.70%	0.60%

Loan Servicing (Commercial Mort

Loan Servicing (Commercial Mortgage Banking Activities) (Details) - USD ($) $ in Millions	6 Months Ended	12 Months Ended
	Jun. 30, 2015	Dec. 31, 2014
Loan Servicing
UPB of CRE mortgages serviced for others	$ 28,039	$ 27,599
CRE mortgages serviced for others covered by recourse provisions	4,425	4,264
Maximum recourse exposure from CRE mortgages sold with recourse liability	1,331	1,278
Recorded reserves related to recourse exposure	8	7
Originated CRE mortgages during the year	$ 3,264	$ 5,265

Deposits (Summary of Deposits)

Deposits (Summary of Deposits) (Details) - USD ($) $ in Millions	Jun. 30, 2015	Dec. 31, 2014
Deposits By Type [Line Items]
Noninterest-bearing deposits	$ 42,234	$ 38,786
Interest-bearing deposits	90,549	90,254
Total deposits	132,783	129,040
Time deposits $100,000 and greater	5,525	9,782
Time deposits $250,000 and greater	1,870	5,753
Interest checking [Member]
Deposits By Type [Line Items]
Interest-bearing deposits	20,843	20,262
Money market and savings [Member]
Deposits By Type [Line Items]
Interest-bearing deposits	55,269	50,604
Time deposits [Member]
Deposits By Type [Line Items]
Interest-bearing deposits	$ 14,437	$ 19,388

Long-Term Debt (Narrative) (Det

Long-Term Debt (Narrative) (Details) - USD ($) $ in Millions	3 Months Ended		6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014
Extinguishment of Debt [Line Items]
Loss on early extinguishment of debt	$ 172	$ 0	$ 172	$ 0
Federal Home Loan Bank Advances to Branch Bank [Member]
Extinguishment of Debt [Line Items]
Extinguishment of long term debt, amount	$ 931

Long-Term Debt (Schedule of Lon

Long-Term Debt (Schedule of Long Term Debt, Interest Rates and Maturity Dates) (Details) - USD ($) $ in Millions	6 Months Ended
	Jun. 30, 2015	Dec. 31, 2014
Debt Instrument [Line Items]
Long-term debt	$ 23,271	$ 23,312
Senior Notes 3.95% Due 2016 [Member] | Parent Company [Member]
Debt Instrument [Line Items]
Long-term debt	$ 500	500
Interest Rate	3.95%
Debt instrument, year of maturity	Dec. 31, 2016
Senior Notes 3.20% Due 2016 [Member] | Parent Company [Member]
Debt Instrument [Line Items]
Long-term debt	$ 1,000	1,000
Interest Rate	3.20%
Debt instrument, year of maturity	Dec. 31, 2016
Senior Notes 2.15% Due 2017 [Member] | Parent Company [Member]
Debt Instrument [Line Items]
Long-term debt	$ 749	749
Interest Rate	2.15%
Debt instrument, year of maturity	Dec. 31, 2017
Senior Notes 1.60% Due 2017 [Member] | Parent Company [Member]
Debt Instrument [Line Items]
Long-term debt	$ 749	749
Interest Rate	1.60%
Debt instrument, year of maturity	Dec. 31, 2017
Senior Notes 1.45% Due 2018 [Member] | Parent Company [Member]
Debt Instrument [Line Items]
Long-term debt	$ 500	500
Interest Rate	1.45%
Debt instrument, year of maturity	Dec. 31, 2018
Floating Rate Senior Notes Due 2018 [Member] | Parent Company [Member]
Debt Instrument [Line Items]
Long-term debt	$ 400	400
Interest Rate	1.15%
Debt instrument, year of maturity	Dec. 31, 2018
Senior Notes 2.05% Due 2018 [Member] | Parent Company [Member]
Debt Instrument [Line Items]
Long-term debt	$ 599	599
Interest Rate	2.05%
Debt instrument, year of maturity	Dec. 31, 2018
Senior Notes 6.85% Due 2019 [Member] | Parent Company [Member]
Debt Instrument [Line Items]
Long-term debt	$ 540	539
Interest Rate	6.85%
Debt instrument, year of maturity	Dec. 31, 2019
Senior Notes 2.25% Due 2019 [Member] | Parent Company [Member]
Debt Instrument [Line Items]
Long-term debt	$ 648	648
Interest Rate	2.25%
Debt instrument, year of maturity	Dec. 31, 2019
Floating Rate Senior Notes Due 2019 [Member] | Parent Company [Member]
Debt Instrument [Line Items]
Long-term debt	$ 450	450
Effective interest rate at the end of the period	0.94%
Debt instrument, year of maturity	Dec. 31, 2019
Senior Notes 2.63% Due 2020 [Member] | Parent Company [Member]
Debt Instrument [Line Items]
Long-term debt	$ 999	0
Interest Rate	2.63%
Debt instrument, year of maturity	Dec. 31, 2020
Senior Notes 2.45% Due 2020 [Member] | Parent Company [Member]
Debt Instrument [Line Items]
Long-term debt	$ 1,298	1,298
Interest Rate	2.45%
Debt instrument, year of maturity	Dec. 31, 2020
Floating Rate Senior Notes Due 2020 [Member] | Parent Company [Member]
Debt Instrument [Line Items]
Long-term debt	$ 200	200
Effective interest rate at the end of the period	0.99%
Debt instrument, year of maturity	Dec. 31, 2020
Subordinated Notes 5.20% Due 2015 [Member] | Parent Company [Member]
Debt Instrument [Line Items]
Long-term debt	$ 934	933
Interest Rate	5.20%
Debt instrument, year of maturity	Dec. 31, 2015
Subordinated Notes 4.90% Due 2017 [Member] | Parent Company [Member]
Debt Instrument [Line Items]
Long-term debt	$ 354	353
Interest Rate	4.90%
Debt instrument, year of maturity	Dec. 31, 2017
Subordinated Notes 5.25% Due 2019 [Member] | Parent Company [Member]
Debt Instrument [Line Items]
Long-term debt	$ 586	586
Interest Rate	5.25%
Debt instrument, year of maturity	Dec. 31, 2019
Subordinated Notes 3.95% Due 2022 [Member] | Parent Company [Member]
Debt Instrument [Line Items]
Long-term debt	$ 299	298
Interest Rate	3.95%
Debt instrument, year of maturity	Dec. 31, 2022
Senior Notes 1.45% Due 2016 [Member] | Branch Bank [Member]
Debt Instrument [Line Items]
Long-term debt	$ 750	750
Interest Rate	1.45%
Debt instrument, year of maturity	Dec. 31, 2016
Floating Rate Senior Notes Due 2016 [Member] | Branch Bank [Member]
Debt Instrument [Line Items]
Long-term debt	$ 375	500
Interest Rate	0.71%
Debt instrument, year of maturity	Dec. 31, 2016
Senior Notes 1.05% Due 2016 [Member] | Branch Bank [Member]
Debt Instrument [Line Items]
Long-term debt	$ 500	500
Interest Rate	1.05%
Debt instrument, year of maturity	Dec. 31, 2016
Senior Notes 1.00% Due 2017 [Member] | Branch Bank [Member]
Debt Instrument [Line Items]
Long-term debt	$ 599	599
Interest Rate	1.00%
Debt instrument, year of maturity	Dec. 31, 2017
Senior Notes 1.35% Due 2017 [Member] | Branch Bank [Member]
Debt Instrument [Line Items]
Long-term debt	$ 750	750
Interest Rate	1.35%
Debt instrument, year of maturity	Dec. 31, 2017
Senior Notes 2.30% Due 2018 [Member] | Branch Bank [Member]
Debt Instrument [Line Items]
Long-term debt	$ 750	750
Interest Rate	2.30%
Debt instrument, year of maturity	Dec. 31, 2018
Senior Notes 2.85% Due 2021 [Member] | Branch Bank [Member]
Debt Instrument [Line Items]
Long-term debt	$ 700	699
Interest Rate	2.85%
Debt instrument, year of maturity	Dec. 31, 2021
Subordinated Notes 5.63% Due 2016 [Member] | Branch Bank [Member]
Debt Instrument [Line Items]
Long-term debt	$ 386	386
Interest Rate	5.63%
Debt instrument, year of maturity	Dec. 31, 2016
Floating Rate Subordinated Notes Due 2016 [Member] | Branch Bank [Member]
Debt Instrument [Line Items]
Long-term debt	$ 350	350
Interest Rate	0.61%
Debt instrument, year of maturity	Dec. 31, 2016
Floating Rate Subordinated Notes Due 2017 [Member] | Branch Bank [Member]
Debt Instrument [Line Items]
Long-term debt	$ 262	262
Interest Rate	0.58%
Debt instrument, year of maturity	Dec. 31, 2017
Subordinated Notes 3.80% Due 2026 [Member] | Branch Bank [Member]
Debt Instrument [Line Items]
Long-term debt	$ 848	848
Interest Rate	3.80%
Debt instrument, year of maturity	Dec. 31, 2026
Varying maturities to 2034 [Member] | Federal Home Loan Bank Advances to Branch Bank [Member]
Debt Instrument [Line Items]
Long-term debt	$ 5,577	6,496
Debt instrument, year of maturity	Dec. 31, 2034
Other Long-Term Debt [Member]
Debt Instrument [Line Items]
Long-term debt	$ 154	119
Fair Value Hedge-Related Basis Adjustments [Member]
Debt Instrument [Line Items]
Long-term debt	$ 465	$ 501

Long-Term Debt (Schedule of Car

Long-Term Debt (Schedule of Carrying Amount and Effective Rates on Long-Term Debt) (Details) $ in Millions	Jun. 30, 2015USD ($)Yr	Dec. 31, 2014USD ($)
Debt Instruments [Line Items]
Long-term debt	$ 23,271	$ 23,312
BB&T Corporation fixed rate senior notes [Member]
Debt Instruments [Line Items]
Long-term debt	$ 7,681	$ 6,669
Effective interest rate at the end of the period	2.30%	2.39%
BB&T Corporation floating rate senior notes [Member]
Debt Instruments [Line Items]
Long-term debt	$ 1,050	$ 1,050
Effective interest rate at the end of the period	1.08%	1.07%
BB&T Corporation fixed rate subordinated notes [Member]
Debt Instruments [Line Items]
Long-term debt	$ 2,340	$ 2,362
Effective interest rate at the end of the period	2.20%	2.30%
Branch Bank fixed rate senior notes [Member]
Debt Instruments [Line Items]
Long-term debt	$ 4,074	$ 4,060
Effective interest rate at the end of the period	1.56%	1.72%
Branch Bank floating rate senior notes [Member]
Debt Instruments [Line Items]
Long-term debt	$ 375	$ 500
Effective interest rate at the end of the period	0.76%	0.72%
Branch Bank fixed rate subordinated notes [Member]
Debt Instruments [Line Items]
Long-term debt	$ 1,279	$ 1,299
Effective interest rate at the end of the period	2.95%	2.86%
Branch Bank floating rate subordinated notes [Member]
Debt Instruments [Line Items]
Long-term debt	$ 612	$ 612
Effective interest rate at the end of the period	3.42%	3.27%
FHLB advances to Branch Bank [Member]
Debt Instruments [Line Items]
Long-term debt	$ 5,706	$ 6,641
Effective interest rate at the end of the period	3.98%	4.03%
Weighted average maturity of FHLB advances | Yr	5.3
Other long-term debt
Debt Instruments [Line Items]
Long-term debt	$ 154	$ 119

Shareholders' Equity (Stock Opt

Shareholders' Equity (Stock Options Activity Roll Forward) (Details) - Jun. 30, 2015 - $ / shares shares in Thousands	Total
Stock Options [Member]
Options, Outstanding at beginning of period	28,374
Options, Granted	434
Options, Exercised	(2,775)
Options, Forfeited or expired	(5,618)
Options, Outstanding at end of period	20,415
Options, Exercisable at end of period	18,687
Options, Exercisable and expected to vest at period end	20,296
Wtd. Avg. Exercise Price [Member]
Wtd. Avg. Exercise Price, Outstanding at beginning of period	$ 35.09
Wtd. Avg. Exercise Price, Granted	38.22
Wtd. Avg. Exercise Price, Exercised	32.14
Wtd. Avg. Exercise Price, Forfeited or expired	38.66
Wtd. Avg. Exercise Price, Outstanding at end of period	34.58
Wtd. Avg. Exercise Price, Exercisable at end of period	34.73
Wtd. Avg. Exercise Price, Exercisable and expected to vest at end of period	$ 34.59

Shareholders' Equity (Restricte

Shareholders' Equity (Restricted Shares and RSUs Activity Roll Forward) (Details) - Jun. 30, 2015 - $ / shares shares in Thousands	Total
Restricted Shares/RSUs [Member]
Nonvested at beginning of period	12,075
Granted	3,680
Vested	(3,400)
Forfeited	(193)
Nonvested at end of period	12,162
Expected to vest at end of period	11,158
Wtd Avg Grant Date Fair Value [Member]
Nonvested at beginning of period	$ 27.38
Granted	33.28
Vested	24.83
Forfeited	30.91
Nonvested at end of period	29.82
Expected to vest at end of period	$ 29.83

Changes in AOCI (Details)

Changes in AOCI (Details) - USD ($) $ in Millions	3 Months Ended		6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014	Mar. 31, 2015	Dec. 31, 2014	Mar. 31, 2014	Dec. 31, 2013
Amounts Reclassified From AOCI [Line Items]
AOCI	$ (748)	$ (406)	$ (748)	$ (406)	$ (733)	$ (751)	$ (500)	$ (593)
OCI before reclassifications, net of tax	(54)	78	(55)	157
Personnel expense	864	809	1,694	1,591
Interest income	1,489	1,537	2,982	3,083
Interest expense	177	194	358	393
FDIC loss share income, net	(64)	(88)	(143)	(172)
Securities (gains) losses, net	(1)	0	(1)	2
Total before income taxes	581	693	1,369	1,522
Tax effect	80	216	321	472
Net income	501	477	1,048	1,050
Net change in AOCI	(15)	94	3	187
Reclassification Out Of AOCI [Member]
Amounts Reclassified From AOCI [Line Items]
Personnel expense	12	1	24	1
Interest income	22	(10)	7	(17)
Interest expense	21	19	42	40
FDIC loss share income, net	6	14	19	24
Securities (gains) losses, net	1		1	(2)
Total before income taxes	62	24	93	46
Tax effect	23	8	35	16
Net income	39	16	58	30
Unrecognized Net Pension and Postretirement Costs
Amounts Reclassified From AOCI [Line Items]
AOCI	(608)	(300)	(608)	(300)	(617)	(626)	(302)	(303)
OCI before reclassifications, net of tax	1	1	3	2
Net change in AOCI	9	2	18	3
Unrecognized Net Pension and Postretirement Costs | Reclassification Out Of AOCI [Member]
Amounts Reclassified From AOCI [Line Items]
Personnel expense	12	1	24	1
Total before income taxes	12	1	24	1
Tax effect	4	0	9	0
Net income	8	1	15	1
Unrealized Net Gain (Loss) on Cash Flow Hedges
Amounts Reclassified From AOCI [Line Items]
AOCI	(35)	11	(35)	11	(108)	(54)	13	2
OCI before reclassifications, net of tax	60	(14)	(7)	(16)
Net change in AOCI	73	(2)	19	9
Unrealized Net Gain (Loss) on Cash Flow Hedges | Reclassification Out Of AOCI [Member]
Amounts Reclassified From AOCI [Line Items]
Interest expense	21	19	42	40
Total before income taxes	21	19	42	40
Tax effect	8	7	16	15
Net income	13	12	26	25
Unrealized Net Gains (Losses) on AFS Securities [Member]
Amounts Reclassified From AOCI [Line Items]
AOCI	102	123	102	123	209	152	37	(42)
OCI before reclassifications, net of tax	(121)	89	(54)	174
Net change in AOCI	(107)	86	(50)	165
Unrealized Net Gains (Losses) on AFS Securities [Member] | Reclassification Out Of AOCI [Member]
Amounts Reclassified From AOCI [Line Items]
Interest income	22	(5)	6	(13)
Securities (gains) losses, net	1		1	(2)
Total before income taxes	23	(5)	7	(15)
Tax effect	9	(2)	3	(6)
Net income	14	(3)	4	(9)
FDIC's Share Of Unrealized (Gains) Losses On AFS Securities
Amounts Reclassified From AOCI [Line Items]
AOCI	(188)	(226)	(188)	(226)	(197)	(207)	(229)	(235)
OCI before reclassifications, net of tax	5	(6)	7	(6)
Net change in AOCI	9	3	19	9
FDIC's Share Of Unrealized (Gains) Losses On AFS Securities | Reclassification Out Of AOCI [Member]
Amounts Reclassified From AOCI [Line Items]
FDIC loss share income, net	6	14	19	24
Total before income taxes	6	14	19	24
Tax effect	2	5	7	9
Net income	4	9	12	15
Other, net [Member]
Amounts Reclassified From AOCI [Line Items]
AOCI	(19)	(14)	(19)	(14)	$ (20)	$ (16)	$ (19)	$ (15)
OCI before reclassifications, net of tax	1	8	(4)	3
Net change in AOCI	1	5	(3)	1
Other, net [Member] | Reclassification Out Of AOCI [Member]
Amounts Reclassified From AOCI [Line Items]
Interest income	0	(5)	1	(4)
Total before income taxes	0	(5)	1	(4)
Tax effect	0	(2)	0	(2)
Net income	$ 0	$ (3)	$ 1	$ (2)

Income Taxes (Narrative) (Detai

Income Taxes (Narrative) (Details) - USD ($) $ in Millions	3 Months Ended		6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014	Feb. 28, 2010
Income Taxes
Effective income tax rate	13.80%	31.20%	23.40%	31.00%
Disputed IRS statutory notice amount					$ 892
Adjustment to income tax provision	$ (107)	$ 14	$ (107)	$ 14
Significant change in unrecognized tax benefits is reasonably possible estimated range of change within the next 12 months, lower bound	$ (596)		$ (596)

Benefit Plans (Narrative) (Deta

Benefit Plans (Narrative) (Details) $ in Millions	6 Months Ended
	Jun. 30, 2015USD ($)
Qualified [Member]
Defined Benefit Plans and Other Postretirement Benefit Plans [Line Items]
Discretionary contributions made to the qualified pension plan	$ 117

Benefit Plans (Summary of the C

Benefit Plans (Summary of the Components of Net Periodic Benefit Cost Recognized for Pension Plans) (Details) - USD ($) $ in Millions	3 Months Ended		6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014
Qualified Plan [Member}
Defined Benefit Plan Disclosure [Line Items]
Service cost	$ 42	$ 32	$ 85	$ 65
Interest cost	34	31	68	62
Estimated return on plan assets	(81)	(74)	(162)	(148)
Amortization and other	12	1	24	1
Net periodic benefit cost	7	(10)	15	(20)
Nonqualified Plans [Member]
Defined Benefit Plan Disclosure [Line Items]
Service cost	3	3	6	6
Interest cost	4	3	8	7
Estimated return on plan assets	0	0	0	0
Amortization and other	3	3	7	6
Net periodic benefit cost	$ 10	$ 9	$ 21	$ 19

Commitments and Contingencies78

Commitments and Contingencies (Schedule of Commitments and Contingencies) (Details) - USD ($) $ in Millions	6 Months Ended	12 Months Ended
	Jun. 30, 2015	Dec. 31, 2014
Commitments and Contingencies
Letters of credit and financial guarantees	$ 3,353	$ 3,462
Carrying amount of the liability for letter of credit guarantees	24	22
Carrying amount of investments in affordable housing projects	1,548	1,416
Amount of future funding commitments included in carrying amount of investments in affordable housing projects	583	459
Lending exposure related to investments in affordable housing projects	190	169
Tax credits subject to recapture related to investments in affordable housing projects	314	300
Amortization recognized in the provision for income taxes related to investments in affordable housing projects	92	161
Tax credits and other tax benefits recognized in the provision for income taxes related to investments in affordable housing projects	128	222
Investments in private equity and similar investments	359	329
Future funding commitments to consolidated private equity funds	$ 176	$ 202

Commitments and Contingencies79

Commitments and Contingencies (Impact of Adoption of Affordable Housing Guidance) (Details) - USD ($) $ / shares in Units, $ in Millions	3 Months Ended	6 Months Ended
	Jun. 30, 2014	Jun. 30, 2014	Dec. 31, 2014	Dec. 31, 2013
Commitments and Contingencies
Increase in other income	$ 42	$ 76
Increase in provision for income taxes	(43)	(82)
Decrease in net income and net income available to common shareholders	$ (1)	$ (6)
Decrease in diluted EPS	$ 0	$ (0.01)
Decrease to retained earnings			$ (49)	$ (29)

Commitments and Contingencies80

Commitments and Contingencies (Pledged Assets) (Details) - USD ($) $ in Millions	Jun. 30, 2015	Dec. 31, 2014
Commitments and Contingencies
Pledged securities	$ 14,284	$ 14,636
Pledged loans	$ 66,890	$ 67,248

Fair Value Disclosures (Narrati

Fair Value Disclosures (Narrative) (Details) - Jun. 30, 2015 - Private Equity and Similar Investments [Member]	YrMultiple
Weighted average remaining life of private equity and similar investments, in years | Yr	2
Fair value inputs earnings before interest taxes depreciation and amortization multiple lower range	5
Fair value inputs earnings before interest taxes depreciation and amortization multiple upper range	11
Fair value inputs earnings before interest taxes depreciation and amortization multiple weighted average	8

Fair Value Disclosures (Schedul

Fair Value Disclosures (Schedule of Assets and Liabilities Measured at Fair Value) (Details) - USD ($) $ in Millions	Jun. 30, 2015	Dec. 31, 2014	Jun. 30, 2014	Dec. 31, 2013
Trading securities	$ 720	$ 482
AFS securities	21,183	20,907
LHFS	2,469	1,423
Residential MSRs	912	844	$ 954	$ 1,047
Derivative assets	955	1,122
Private equity and similar investments	359	329
Assets measured at fair value	26,598	25,107
Derivative liabilities	778	1,013
Short-term borrowings	196	148
Total liabilities	974	1,161
Level 1 [Member]
Trading securities	315	289
LHFS	0	0
Residential MSRs	0	0
Private equity and similar investments	0	0
Assets measured at fair value	320	295
Short-term borrowings	0	0
Total liabilities	0	0
Level 2 [Member]
Trading securities	405	193
LHFS	2,469	1,423
Residential MSRs	0	0
Private equity and similar investments	0	0
Assets measured at fair value	24,308	22,874
Short-term borrowings	196	148
Total liabilities	961	1,158
Level 3 [Member]
Trading securities	0	0
LHFS	0	0
Residential MSRs	912	844
Private equity and similar investments	359	329
Assets measured at fair value	1,970	1,938
Short-term borrowings	0	0
Total liabilities	13	3
U.S. Treasury Securities
AFS securities	1,385	1,231
U.S. Treasury Securities | Level 2 [Member]
AFS securities	1,385	1,231
Agency MBS [Member]
AFS securities	16,434	16,154
Agency MBS [Member] | Level 2 [Member]
AFS securities	16,434	16,154
States and Political Subdivisions [Member]
AFS securities	1,959	1,974
States and Political Subdivisions [Member] | Level 2 [Member]
AFS securities	1,959	1,974
Non-Agency MBS [Member]
AFS securities	243	264
Non-Agency MBS [Member] | Level 2 [Member]
AFS securities	243	264
Other Securities [Member]
AFS securities	5	41
Other Securities [Member] | Level 1 [Member]
AFS securities	5	6
Other Securities [Member] | Level 2 [Member]
AFS securities	0	35
Acquired from FDIC Securities [Member]
AFS securities	1,157	1,243
Acquired from FDIC Securities [Member] | Level 2 [Member]
AFS securities	469	498
Acquired from FDIC Securities [Member] | Level 3 [Member]
AFS securities	688	745
Interest Rate Contracts [Member]
Derivative assets	949	1,114
Derivative liabilities	774	1,007
Interest Rate Contracts [Member] | Level 2 [Member]
Derivative assets	938	1,094
Derivative liabilities	761	1,004
Interest Rate Contracts [Member] | Level 3 [Member]
Derivative assets	11	20
Derivative liabilities	13	3
Foreign Exchange Contracts [Member]
Derivative assets	6	8
Derivative liabilities	4	6
Foreign Exchange Contracts [Member] | Level 2 [Member]
Derivative assets	6	8
Derivative liabilities	$ 4	$ 6

Fair Value Disclosures (Roll Fo

Fair Value Disclosures (Roll Forward of Level 3 Assets and Liabilities) (Details) - USD ($) $ in Millions	3 Months Ended		6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014
Mortgage banking income	$ 130	$ 86	$ 240	$ 160
Acquired from FDIC Securities [Member]
Beginning balance	719	832	745	861
Interest income	5	2	16	17
Mortgage banking income	0	0	0	0
Other noninterest income	0	0	0	0
Included in unrealized net holding gains (losses) in OCI	(11)	3	(25)	(15)
Purchases	0	0	0	0
Issuances	0	0	0	0
Sales	0	0	0	0
Settlements	(25)	(27)	(48)	(53)
Ending balance	688	810	688	810
Change in unrealized gains (losses) included in earnings for the period, attributable to assets and liabilities still held at end of period	5	2	16	17
Residential MSRs [Member]
Beginning balance	764	1,008	844	1,047
Interest income	0	0	0	0
Mortgage banking income	140	(54)	69	(97)
Other noninterest income	0	0	0	0
Included in unrealized net holding gains (losses) in OCI	0	0	0	0
Purchases	0	0	0	0
Issuances	42	33	68	66
Sales	0	0	0	0
Settlements	(34)	(33)	(69)	(62)
Ending balance	912	954	912	954
Change in unrealized gains (losses) included in earnings for the period, attributable to assets and liabilities still held at end of period	140	(54)	69	(97)
Net Derivatives [Member]
Beginning balance	23	4	17	(11)
Interest income	0	0	0	0
Mortgage banking income	20	29	48	44
Other noninterest income	2	0	(2)	0
Included in unrealized net holding gains (losses) in OCI	0	0	0	0
Purchases	0	0	0	0
Issuances	3	28	41	40
Sales	0	0	0	0
Settlements	(50)	(37)	(106)	(49)
Ending balance	(2)	24	(2)	24
Change in unrealized gains (losses) included in earnings for the period, attributable to assets and liabilities still held at end of period	4	24	0	24
Private Equity and Similar Investments [Member]
Beginning balance	366	328	329	291
Interest income	0	0	0	0
Mortgage banking income	0	0	0	0
Other noninterest income	3	9	19	12
Included in unrealized net holding gains (losses) in OCI	0	0	0	0
Purchases	13	14	55	52
Issuances	0	0	0	0
Sales	(10)	(29)	(29)	(30)
Settlements	(13)	(1)	(15)	(4)
Transfers into Level 3		1		1
Ending balance	359	322	359	322
Change in unrealized gains (losses) included in earnings for the period, attributable to assets and liabilities still held at end of period	$ (1)	$ (6)	$ 15	$ (4)

Fair Value Disclosures (Fair Va

Fair Value Disclosures (Fair Value and Unpaid Principal Balance of LHFS) (Details) - USD ($) $ in Millions	Jun. 30, 2015	Dec. 31, 2014
LHFS	$ 2,469	$ 1,423
Fair Value [Member]
LHFS	2,469	1,423
Aggregate UPB [Member]
LHFS	2,468	1,390
Fair Value Less Aggregate UPB [Member]
LHFS	$ 1	$ 33

Fair Value Disclosures (Fair 85

Fair Value Disclosures (Fair Value Measured on Nonrecurring Basis) (Details) - Fair Value, Measurements, Nonrecurring [Member] - Level 3 [Member] - USD ($) $ in Millions	3 Months Ended		6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired loans (excluding acquired from FDIC)			$ 114	$ 213
Valuation adjustments to impaired loans (excluding acquired from FDIC)	$ (1)	$ (19)	(13)	(37)
Foreclosed real estate (excluding acquired from FDIC)			86	56
Valuation adjustments on foreclosed real estate (excluding acquired from FDIC)	$ (43)	$ (27)	$ (83)	$ (86)

Fair Value Disclosures (Carryin

Fair Value Disclosures (Carrying Amounts and Fair Values of Financial Assets and Liabilities Not Recorded at Fair Value) (Details) - USD ($) $ in Millions	Jun. 30, 2015	Dec. 31, 2014
HTM securities, amortized cost	$ 19,437	$ 20,240
Deposits	132,783	129,040
Long-term debt	23,271	23,312
Carrying Amount [Member]
HTM securities, amortized cost	19,437	20,240
Loans and leases, net of ALLL	120,844	118,410
FDIC loss share receivable	383	534
Deposits	132,783	129,040
FDIC loss share payable	695	697
Long-term debt	23,271	23,312
Estimate of Fair Value, Fair Value Disclosure [Member]
HTM securities, amortized cost	19,455	20,313
Loans and leases, net of ALLL	120,646	118,605
FDIC loss share receivable	59	123
Deposits	132,948	129,259
FDIC loss share payable	694	696
Long-term debt	23,762	24,063
Level 2 [Member] | Estimate of Fair Value, Fair Value Disclosure [Member]
HTM securities, amortized cost	19,455	20,313
Loans and leases, net of ALLL	0	0
FDIC loss share receivable	0	0
Deposits	132,948	129,259
FDIC loss share payable	0	0
Long-term debt	23,762	24,063
Level 3 [Member] | Estimate of Fair Value, Fair Value Disclosure [Member]
HTM securities, amortized cost	0	0
Loans and leases, net of ALLL	120,646	118,605
FDIC loss share receivable	59	123
Deposits	0	0
FDIC loss share payable	694	696
Long-term debt	$ 0	$ 0

Fair Value Disclosures (Notiona

Fair Value Disclosures (Notional or Contractual Amounts and Fair Values of Off-Balance Sheet Financial Instruments) (Details) - USD ($) $ in Millions	Jun. 30, 2015	Dec. 31, 2014
Residential mortgage loans sold with recourse	$ 619	$ 667
Other loans sold with recourse	4,425	4,264
Letters of credit and financial guarantees	3,353	3,462
Notional Or Contract Amount [Member]
Commitments to extend, originate or purchase credit	54,071	49,333
Residential mortgage loans sold with recourse	619	667
Other loans sold with recourse	4,425	4,264
Letters of credit and financial guarantees	3,353	3,462
Fair Value [Member]
Commitments to extend, originate or purchase credit	108	97
Residential mortgage loans sold with recourse	9	9
Other loans sold with recourse	8	7
Letters of credit and financial guarantees	$ 24	$ 22

Derivative Financial Instrume88

Derivative Financial Instruments (Derivative Classifications and Hedging Relationships) (Details) - USD ($) $ in Millions	Jun. 30, 2015	Dec. 31, 2014
Total derivatives, notional values	$ 76,205	$ 72,321
Total derivative asset	955	1,122
Amounts subject to master netting arrangements not offset due to policy election, assets column	(444)	(629)
Cash collateral (received) posted	(218)	(190)
Net amount	293	303
Total derivative liability	(778)	(1,013)
Amounts subject to master netting arrangements not offset due to policy election, liabilities column	444	629
Cash collateral (received) posted	293	342
Net amount	(41)	(42)
Cash Flow Hedges [Member] | Interest Rate Contracts [Member] | Pay Fixed Swaps [Member] | Three Month LIBOR Funding [Member]
Total derivatives, notional values	9,300	9,300
Total derivative asset	0	0
Total derivative liability	(138)	(289)
Fair Value Hedges [Member] | Interest Rate Contracts [Member]
Total derivatives, notional values	12,432	12,399
Total derivative asset	273	269
Total derivative liability	(111)	(134)
Fair Value Hedges [Member] | Interest Rate Contracts [Member] | Receive Fixed Swaps [Member] | Long-term Debt [Member]
Total derivatives, notional values	11,902	11,902
Total derivative asset	273	269
Total derivative liability	0	(5)
Fair Value Hedges [Member] | Interest Rate Contracts [Member] | Pay Fixed Swaps [Member] | Commercial Loans [Member]
Total derivatives, notional values	216	161
Total derivative asset	0	0
Total derivative liability	(3)	(3)
Fair Value Hedges [Member] | Interest Rate Contracts [Member] | Pay Fixed Swaps [Member] | Municipal Securities [Member]
Total derivatives, notional values	314	336
Total derivative asset	0	0
Total derivative liability	(108)	(126)
Not Designated as Hedging Instrument [Member]
Total derivatives, notional values	54,473	50,622
Total derivative asset	682	853
Total derivative liability	(529)	(590)
Not Designated as Hedging Instrument [Member] | Client-Related and Other Risk Management [Member]
Total derivatives, notional values	28,181	23,955
Total derivative asset	343	375
Total derivative liability	(371)	(404)
Not Designated as Hedging Instrument [Member] | Client-Related and Other Risk Management [Member] | Interest Rate Contracts [Member] | Receive Fixed Swaps [Member]
Total derivatives, notional values	7,747	7,995
Total derivative asset	315	350
Total derivative liability	(2)	(3)
Not Designated as Hedging Instrument [Member] | Client-Related and Other Risk Management [Member] | Interest Rate Contracts [Member] | Pay Fixed Swaps [Member]
Total derivatives, notional values	7,830	8,163
Total derivative asset	2	1
Total derivative liability	(337)	(375)
Not Designated as Hedging Instrument [Member] | Client-Related and Other Risk Management [Member] | Interest Rate Contracts [Member] | Other Swaps [Member]
Total derivatives, notional values	1,177	1,372
Total derivative asset	3	5
Total derivative liability	(6)	(7)
Not Designated as Hedging Instrument [Member] | Client-Related and Other Risk Management [Member] | Interest Rate Contracts [Member] | Other [Member]
Total derivatives, notional values	383	528
Total derivative asset	1	1
Total derivative liability	(2)	(1)
Not Designated as Hedging Instrument [Member] | Client-Related and Other Risk Management [Member] | Forward Commitments [Member]
Total derivatives, notional values	10,382	5,326
Total derivative asset	16	10
Total derivative liability	(20)	(12)
Not Designated as Hedging Instrument [Member] | Client-Related and Other Risk Management [Member] | Foreign Exchange Contract [Member]
Total derivatives, notional values	662	571
Total derivative asset	6	8
Total derivative liability	(4)	(6)
Not Designated as Hedging Instrument [Member] | Mortgage Banking [Member] | Interest Rate Contracts [Member]
Total derivatives, notional values	8,345	5,105
Total derivative asset	53	30
Total derivative liability	(23)	(25)
Not Designated as Hedging Instrument [Member] | Mortgage Banking [Member] | Interest Rate Contracts [Member] | Interest Rate Lock Commitments [Member]
Total derivatives, notional values	2,581	1,566
Total derivative asset	11	20
Total derivative liability	(8)	0
Not Designated as Hedging Instrument [Member] | Mortgage Banking [Member] | Interest Rate Contracts [Member] | When Issued Securities And Forward Rate Agreements And Forward Commitments [Member]
Total derivatives, notional values	4,769	2,623
Total derivative asset	37	3
Total derivative liability	(13)	(25)
Not Designated as Hedging Instrument [Member] | Mortgage Banking [Member] | Interest Rate Contracts [Member] | Other [Member]
Total derivatives, notional values	995	916
Total derivative asset	5	7
Total derivative liability	(2)	0
Not Designated as Hedging Instrument [Member] | MSRs [Member] | Interest Rate Contracts [Member]
Total derivatives, notional values	17,947	21,562
Total derivative asset	286	448
Total derivative liability	(135)	(161)
Not Designated as Hedging Instrument [Member] | MSRs [Member] | Interest Rate Contracts [Member] | Receive Fixed Swaps [Member]
Total derivatives, notional values	2,521	4,119
Total derivative asset	54	215
Total derivative liability	(48)	(1)
Not Designated as Hedging Instrument [Member] | MSRs [Member] | Interest Rate Contracts [Member] | Pay Fixed Swaps [Member]
Total derivatives, notional values	2,885	4,362
Total derivative asset	3	1
Total derivative liability	(55)	(124)
Not Designated as Hedging Instrument [Member] | MSRs [Member] | Interest Rate Contracts [Member] | Option Trades [Member]
Total derivatives, notional values	9,970	9,350
Total derivative asset	228	229
Total derivative liability	(26)	(36)
Not Designated as Hedging Instrument [Member] | MSRs [Member] | Interest Rate Contracts [Member] | When Issued Securities And Forward Rate Agreements And Forward Commitments [Member]
Total derivatives, notional values	2,571	3,731
Total derivative asset	1	3
Total derivative liability	$ (6)	$ 0

Derivative Financial Instrume89

Derivative Financial Instruments (Effect of Derivative Instruments on the Consolidated Statements of Income) (Details) - USD ($) $ in Millions	3 Months Ended		6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014
Pre-tax gain (loss) on interest rate derivative instruments not designated as hedging instruments			$ (38)	$ 105
Cash Flow Hedges [Member] | Interest Rate Contracts [Member]
Derivative instruments, pre-tax gain (loss) recognized in AOCI	$ 95	$ (22)	(12)	(25)
Cash Flow Hedges [Member] | Interest Rate Contracts [Member] | Interest Expense [Member]
Derivative instruments, pre-tax gain (loss) reclassified from AOCI into income	(21)	(19)	(42)	(40)
Fair Value Hedges [Member] | Interest Rate Contracts [Member]
Derivative instruments, pre-tax gain (loss) recognized in income, net	63	51	126	99
Fair Value Hedges [Member] | Interest Rate Contracts [Member] | Interest Income [Member]
Derivative instruments, pre-tax gain (loss) recognized in income, net	(5)	(6)	(10)	(11)
Fair Value Hedges [Member] | Interest Rate Contracts [Member] | Interest Expense [Member]
Derivative instruments, pre-tax gain (loss) recognized in income, net	68	57	136	110
Not Designated as Hedging Instrument [Member]
Derivative instruments, pre-tax gain (loss) recognized in income, net	(96)	47	3	91
Not Designated as Hedging Instrument [Member] | Client-Related and Other Risk Management [Member] | Interest Rate Contracts [Member] | Other Noninterest Income [Member]
Pre-tax gain (loss) on interest rate derivative instruments not designated as hedging instruments	11	5	12	10
Not Designated as Hedging Instrument [Member] | Client-Related and Other Risk Management [Member] | Foreign Exchange Contract [Member] | Other Noninterest Income [Member]
Pre-tax gain (loss) on interest rate derivative instruments not designated as hedging instruments	(1)	(1)	9	3
Not Designated as Hedging Instrument [Member] | Mortgage Banking [Member] | Interest Rate Contracts [Member] | Mortgage Banking Income [Member]
Pre-tax gain (loss) on interest rate derivative instruments not designated as hedging instruments	13	(17)	20	(27)
Not Designated as Hedging Instrument [Member] | MSRs [Member] | Interest Rate Contracts [Member] | Mortgage Banking Income [Member]
Pre-tax gain (loss) on interest rate derivative instruments not designated as hedging instruments	$ (119)	$ 60	$ (38)	$ 105

Derivative Financial Instrume90

Derivative Financial Instruments (Hedges) (Details) $ in Millions	6 Months Ended	12 Months Ended
	Jun. 30, 2015USD ($)Yr	Dec. 31, 2014USD ($)Yr
Cash Flow Hedges [Member]
Net unrecognized after tax loss on active hedges recorded in AOCI	$ (87)	$ (181)
Net unrecognized after tax gain on terminated hedges recorded in AOCI to be recognized in earnings through 2022	51	127
Estimated portion of net after-tax loss on active and terminated hedges to be reclassified from AOCI into earnings during the next 12 months	$ (47)	$ (51)
Maximum length of time entity has hedged portion of variable cash flows for forecasted transactions (in years) | Yr	7	8
Fair Value Hedges [Member]
Unrecognized pre-tax gain on terminated hedges to be recognized as interest primarily through 2019	$ 177	$ 227
Portion of pre-tax gain on terminated hedges to be recognized as a change in interest during the next 12 months	$ 76	$ 88

Derivative Financial Instrume91

Derivative Financial Instruments (Summary of Collateral Positions with Counterparties) (Details) - USD ($) $ in Millions	Jun. 30, 2015	Dec. 31, 2014
Dealer Counterparties [Member]
Derivative [Line Items]
Cash collateral received from dealer counterparties	$ 217	$ 191
Derivatives in a net gain position secured by that collateral	222	201
Unsecured positions in a net gain with dealer counterparties after collateral postings	4	10
Cash collateral posted to counterparties	176	227
Derivatives in a net loss position secured by that collateral	176	231
Additional collateral that would have been posted had BB&T's credit ratings dropped below investment grade	2	3
Central Clearing Parties [Member]
Derivative [Line Items]
Derivatives in a net gain position with central clearing parties	19	0
Cash collateral posted to counterparties	130	114
Derivatives in a net loss position secured by that collateral	122	129
Securities pledged to central clearing parties	$ 195	$ 116

Computation of EPS (Details)

Computation of EPS (Details) - USD ($) $ / shares in Units, shares in Thousands, $ in Millions	3 Months Ended		6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014
Computation of EPS
Net income available to common shareholders	$ 454	$ 424	$ 942	$ 920
Weighted average number of common shares	724,880	719,080	723,268	715,978
Effect of dilutive outstanding equity-based awards	9,647	9,372	9,734	10,410
Weighted average number of diluted common shares	734,527	728,452	733,002	726,388
Basic EPS	$ 0.63	$ 0.59	$ 1.30	$ 1.29
Diluted EPS	$ 0.62	$ 0.58	$ 1.29	$ 1.27
Anti-dilutive awards	8,344	14,379	9,938	14,815

Operating Segments (Narrative)

Operating Segments (Narrative) (Details) $ in Millions	1 Months Ended
	Jan. 31, 2014USD ($)
Community Banking [Member]
Segment Reporting, Reconciling Item for Operating Profit (Loss) from Segment to Consolidated [Line Items]
Loans transferred	$ (8,300)
Goodwill transferred	(319)
Residential Mortgage Banking [Member]
Segment Reporting, Reconciling Item for Operating Profit (Loss) from Segment to Consolidated [Line Items]
Loans transferred	8,300
Goodwill transferred	$ 319

Operating Segments (Details)

Operating Segments (Details) - USD ($) $ in Millions		3 Months Ended		6 Months Ended
		Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014	Dec. 31, 2014
Net interest income (expense)		$ 1,312	$ 1,343	$ 2,624	$ 2,690
Allocated provision for loan and lease losses		97	74	196	134
Noninterest income		1,019	958	2,016	1,885
Amortization of intangibles		23	23	44	46
Income before income taxes		581	693	1,369	1,522
Provision (benefit) for income taxes		80	216	321	472
Net income		501	477	1,048	1,050
Identifiable assets (period end)		191,017		191,017		$ 186,834
Community Banking [Member]
Net interest income (expense)		432	430	858	854
Net intersegment interest income (expense)		304	298	588	597
Segment net interest income		736	728	1,446	1,451
Allocated provision for loan and lease losses		11	35	24	51
Noninterest income		291	301	562	581
Intersegment net referral fees (expense)		38	28	68	55
Noninterest expense		385	384	756	766
Amortization of intangibles		7	7	13	15
Allocated corporate expenses		293	286	584	571
Income before income taxes		369	345	699	684
Provision (benefit) for income taxes		135	126	255	250
Net income		234	219	444	434
Identifiable assets (period end)		56,911	54,709	56,911	54,709
Residential Mortgage Banking [Member]
Net interest income (expense)		343	375	684	753
Net intersegment interest income (expense)		(227)	(250)	(459)	(501)
Segment net interest income		116	125	225	252
Allocated provision for loan and lease losses		3	(1)	(9)	(21)
Noninterest income		101	68	185	128
Intersegment net referral fees (expense)		0	0	0	1
Noninterest expense		76	206	156	292
Amortization of intangibles		0	0	0	0
Allocated corporate expenses		22	21	44	42
Income before income taxes		116	(33)	219	68
Provision (benefit) for income taxes		44	(12)	83	26
Net income		72	(21)	136	42
Identifiable assets (period end)		34,218	36,448	34,218	36,448
Dealer Financial Services [Member]
Net interest income (expense)		216	207	428	409
Net intersegment interest income (expense)		(38)	(39)	(75)	(77)
Segment net interest income		178	168	353	332
Allocated provision for loan and lease losses		48	31	109	104
Noninterest income		0	0	0	1
Intersegment net referral fees (expense)		0	0	0	0
Noninterest expense		41	28	73	57
Amortization of intangibles		0	0	0	0
Allocated corporate expenses		10	7	19	14
Income before income taxes		79	102	152	158
Provision (benefit) for income taxes		30	39	58	60
Net income		49	63	94	98
Identifiable assets (period end)		13,906	12,513	13,906	12,513
Specialized Lending [Member]
Net interest income (expense)		154	143	301	281
Net intersegment interest income (expense)		(43)	(34)	(85)	(68)
Segment net interest income		111	109	216	213
Allocated provision for loan and lease losses		7	13	26	22
Noninterest income		74	51	138	100
Intersegment net referral fees (expense)		0	0	0	0
Noninterest expense		67	52	126	103
Amortization of intangibles		1	1	2	2
Allocated corporate expenses		15	15	30	29
Income before income taxes		95	79	170	157
Provision (benefit) for income taxes		25	19	43	38
Net income		70	60	127	119
Identifiable assets (period end)		19,561	17,666	19,561	17,666
Insurance Services [Member]
Net interest income (expense)		0	1	1	1
Net intersegment interest income (expense)		1	2	3	3
Segment net interest income		1	3	4	4
Allocated provision for loan and lease losses		0	0	0	0
Noninterest income		425	424	867	855
Intersegment net referral fees (expense)		0	0	0	0
Noninterest expense		310	308	612	611
Amortization of intangibles		11	14	23	27
Allocated corporate expenses		25	19	50	36
Income before income taxes		80	86	186	185
Provision (benefit) for income taxes		27	29	61	53
Net income		53	57	125	132
Identifiable assets (period end)		2,907	3,015	2,907	3,015
Financial Services [Member]
Net interest income (expense)		53	45	102	87
Net intersegment interest income (expense)		74	64	146	127
Segment net interest income		127	109	248	214
Allocated provision for loan and lease losses		23	3	47	3
Noninterest income		209	189	408	367
Intersegment net referral fees (expense)		6	4	11	8
Noninterest expense		178	163	341	311
Amortization of intangibles		0	0	1	1
Allocated corporate expenses		32	30	63	60
Income before income taxes		109	106	215	214
Provision (benefit) for income taxes		41	39	81	80
Net income		68	67	134	134
Identifiable assets (period end)		14,486	11,972	14,486	11,972
Other Treasury And Corporate [Member]
Net interest income (expense)	[1]	114	142	250	305
Net intersegment interest income (expense)	[1]	(71)	(41)	(118)	(81)
Segment net interest income	[1]	43	101	132	224
Allocated provision for loan and lease losses	[1]	5	(7)	(1)	(25)
Noninterest income	[1]	(81)	(75)	(144)	(147)
Intersegment net referral fees (expense)	[1]	(44)	(32)	(79)	(64)
Noninterest expense	[1]	573	370	967	733
Amortization of intangibles	[1]	4	1	5	1
Allocated corporate expenses	[1]	(397)	(378)	(790)	(752)
Income before income taxes	[1]	(267)	8	(272)	56
Provision (benefit) for income taxes	[1]	(222)	(24)	(260)	(35)
Net income	[1]	(45)	32	(12)	91
Identifiable assets (period end)	[1]	49,028	51,720	49,028	51,720
Total Bbt Corporation [Member]
Net interest income (expense)		1,312	1,343	2,624	2,690
Net intersegment interest income (expense)		0	0	0	0
Segment net interest income		1,312	1,343	2,624	2,690
Allocated provision for loan and lease losses		97	74	196	134
Noninterest income		1,019	958	2,016	1,885
Intersegment net referral fees (expense)		0	0	0	0
Noninterest expense		1,630	1,511	3,031	2,873
Amortization of intangibles		23	23	44	46
Allocated corporate expenses		0	0	0	0
Income before income taxes		581	693	1,369	1,522
Provision (benefit) for income taxes		80	216	321	472
Net income		501	477	1,048	1,050
Identifiable assets (period end)		$ 191,017	$ 188,043	$ 191,017	$ 188,043
[1]	Includes financial data from subsidiaries below the quantitative and qualitative thresholds requiring disclosure.