8-K

UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 OR 15(d) of
The Securities Exchange Act of 1934

Date of Report (Date of earliest event reported)    February 9, 2005                                                               

SunTrust Banks, Inc.

(Exact name of registrant as specified in its charter)

Georgia				001-08918				58-1575035
(State or other jurisdiction of incorporation)				(Commission File Number)				(IRS Employer Identification No.)
303 Peachtree St., N.E., Atlanta, Georgia								30308
(Address of principal executive offices)								(Zip Code)

Registrant's telephone number, including area code    (404) 588-7711                                                               

(Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):

	Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

	Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

	Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

	Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Item 2.02    Results of Operations and Financial Condition.

Item 7.01    Regulation FD Disclosure.

Representatives of SunTrust Banks, Inc. (the "Registrant") are scheduled to make a presentation to analysts at a financial services conference held by Credit Suisse First Boston in New York, New York on Wednesday, February 9, 2005, at approximately 7:30 a.m. Eastern Time. A copy of certain presentation materials to be used by the Registrant at this conference is being furnished as Exhibit 99.1 to this Current Report on Form 8-K and is incorporated by reference into Item 2.02 and Item 7.01 of this Current Report on Form 8-K. Such presentation materials will also be available on the Registrant's web site at www.suntrust.com. Information contained on the Registrant's website is expressly not incorporated by reference into this Current Report on Form 8-K.

The information in the preceding paragraph, as well as Exhibit 99.1, shall not be deemed "filed" for purposes of Section 18 of the Securities Exchange Act of 1934 (the "Exchange Act"), or otherwise subject to the liabilities of that section. It may only be incorporated by reference in another filing under the Exchange Act or Securities Act of 1933 if such subsequent filing specifically references this Current Report on Form 8-K.

Item 9.01    Financial Statements and Exhibits.

(c) Exhibits

99.1	Materials to be presented on February 9, 2005 (Furnished with the Commission as a part of this Current Report on Form 8-K).

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the Undersigned, thereunto duly authorized.

				SUNTRUST BANKS, INC.
				(Registrant)
Date: February 9, 2005				By:   /s/ Kimberly N. Rhodes
				Kimberly N. Rhodes         First Vice President and Senior Counsel –         Corporate and Regulatory

EX-99.1

(Dollars in thousands)				3Q 2004				3Q 2003				$ Change 3Q 04 vs 3Q 03				% Change 3Q 04 vs 3Q 03
Average Loans
Retail				$	26,820,343			$	23,291,929				2,898,414				12	%
Commercial					22,677,373				21,595,901				1,081,472				5	%
Corporate and Investment Banking					13,072,723				16,560,063				(3,487,340	)			(21	)%
Wealth and Investment Management					2,342,973				2,117,465				225,508				11	%
Mortgage					18,699,549				13,390,028				5,309,521				40	%
Average Deposits
Retail				$	55,069,808			$	53,202,938				1,866,870				4	%
Commercial					12,299,813				10,782,293				1,517,520				14	%
Corporate and Investment Banking					3,240,545				2,968,759				271,786				9	%
Wealth and Investment Management					2,068,724				1,526,514				542,210				36	%
Mortgage					1,358,824				2,210,756				(851,932	)			(39	)%
Commercial and Investment Banking (CIB) average loans adjusted for the impact of Three Pillars
CIB					13,072,723				16,560,063				(3,487,340	)			(21	)%
Three Pillars									(1,975,000	)
Average Loans adjusted for the impact of Three Pillars					13,072,723				14,585,063				(1,512,340	)			(10	)%

(Dollars in thousands)				Three Months Ended September 30, 2004
				Retail				Commercial				Corp. and Investment Banking				Mortgage				Wealth & Investment Management
Net Interest Income				$	470,915			$	171,493			$	62,116			$	121,022			$	14,705
Fully taxable-equivalent adjustment (FTE)					22				8,675				4,125				—				2
Net Interest Income (FTE)					470,937				180,168				66,241				121,022				14,707
Provision for loan losses					29,143				11,531				8,567				648				453
Net interest income after provision for loan losses					441,794				168,637				57,674				120,374				14,254
Noninterest Income					207,196				80,263				158,646				28,614				195,722
Noninterest Expense					287,566				95,815				76,188				85,145				154,760
Net Income				$	361,424			$	153,085			$	140,132			$	63,843			$	55,216

(Dollars in thousands)				Three Months Ended September 30, 2003
				Retail				Commercial				Corp. and Investment Banking				Mortgage				Wealth & Investment Management
Net Interest Income				$	444,262			$	158,655			$	71,204			$	168,002			$	13,599
Fully taxable-equivalent adjustment (FTE)					18				6,796				3,474				—				3
Net Interest Income (FTE)					444,280				165,451				74,678				168,002				13,602
Provision for loan losses					41,917				4,653				31,202				723				674
Net interest income after provision for loan losses					402,363				160,798				43,476				167,279				12,928
Noninterest Income					193,693				83,151				134,244				(11,917	)			167,050
Noninterest Expense					270,341				84,120				80,006				80,507				135,798
Net Income				$	325,715			$	159,829			$	97,714			$	74,855			$	44,180