425

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) November 8, 2006

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

Not Applicable

(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):

x 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 7.01 Regulation FD Disclosure.

Representatives of SunTrust Banks, Inc. (the “Registrant”) are scheduled to make a presentation at the BancAnalysts Association of Boston 2007 Conference on Friday, November 9, 2007 at 7:30 AM Eastern Time. Jim Wells III, President and Chief Executive Officer of SunTrust Banks, Inc., will make SunTrust’s presentation. A copy of the slide package 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 this Item 7.01 of this Current Report on Form 8-K. Such slide package 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. All information in the slide package speaks as of the date thereof and the Registrant does not assume any obligation to update said information in the future. In addition, the Registrant disclaims any inference regarding the materiality of such information which otherwise may arise as a result of its furnishing such information under Item 7.01 of this report on Form 8-K.

Item 2.02 Results of Operations and Financial Condition.

Item 8.01 Other Events.

In the slide package to be used by SunTrust Banks, Inc. at BancAnalysts Association of Boston 2007 Conference on Friday, November 9, 2007 at 7:30 AM Eastern Time (which is furnished as Exhibit 99.1 to this Current Report on Form 8-K), at slide 19, SunTrust Banks, Inc. states that it experienced only a modest impact on its financial results from additional deterioration in market values in October.

Item 9.01 Financial Statements and Exhibits.

(d) Exhibits

99.1 Slide package to be presented on November 9, 2007 (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: November 8, 2007.	By:	/s/ David A. Wisniewski
		David A. Wisniewski, Group Vice President and Associate General Counsel

EX-99.1

Driving Shareholder Value

James M. Wells III

President and Chief Executive Officer

BancAnalyst Association of Boston, Inc.  2007 Conference

November 9, 2007

Exhibit 99.1

1

The following should be read in conjunction with the financial statements, notes and other information contained in the Company’s 2006 Annual Report on Form 10-K, Quarterly

Reports on Form 10-Q, and Current Reports on Form 8-K.

This presentation may include non-GAAP financial measures to describe SunTrust’s performance.  The reconciliation of those measures to GAAP measures can be found in

SunTrust’s earnings press releases, which can be found on SunTrust’s website in the news section of the investor relations pages.  In this presentation, net interest income and net

interest margin are presented on a fully taxable-equivalent (“FTE”) basis, and ratios are presented on an annualized basis. The FTE basis adjusts for the tax-favored status of income

from certain loans and investments. The Company believes this measure to be the preferred industry measurement of net interest income and provides relevant comparison between

taxable and non-taxable amounts.

The information in this presentation may contain forward-looking statements. Statements that do not describe historical or current facts, including statements about beliefs and

expectations,

and

in

particular

the

outlook

statements

provided

at

slide

19,

are

forward-looking

statements.

These

statements

often

include

the

words

“may,”

“could,”

“will,”

“should,”

“believes,”

“expects,”

“anticipates,”

“estimates,”

“intends,”

“plans,”

“targets,”

“initiatives,”

“potentially,”

“probably,”

“projects,”

“outlook”

or similar expressions.  Such statements are based

upon the current beliefs and expectations of SunTrust's management and on information currently available to management.  The forward looking statements are intended to be subject to

the

safe

harbor

provided

by

Section

27A

of

the

Securities

Act

of

1933

and

Section

21E

of

the

Securities

Exchange

Act

of

1934.

Such

statements

speak

as

of

the

date

hereof,

and

SunTrust

does

not

intend

to

update

the

statements

made

herein

or

to

update

the

reasons

why

actual

results

could

differ

from

those

contained

in

such

statements

in

light

of

new

information or future events.

Forward

looking

statements

are

subject

to

significant

risks

and

uncertainties.

Investors

are

cautioned

against

placing

undue

reliance

on

such

statements.

Actual

results

may

differ

materially from those set forth in the forward-looking statements. Factors that could cause SunTrust’s results to differ materially from those described in the forward-looking statements

can be found in the Company's 2006 Annual Report on Form 10-K, in the Company’s Quarterly Reports on Form 10-Q, and in the Current Reports on Form 8-K filed with the Securities

and Exchange Commission and available at the Securities and Exchange Commission's internet site (http://www.sec.gov). Those factors include: changes in general business or

economic conditions could have a material adverse effect on our financial condition and results of operations; our trading assets and financial instruments carried at fair value expose the

Company to certain market risks; changes in market interest rates or capital markets could adversely affect our revenues and expenses, the value of assets and obligations, costs of

capital,

or

liquidity;

the

fiscal

and

monetary

policies

of

the

federal

government

and

its

agencies

could

have

a

material

adverse

effect

on

our

earnings;

significant

changes

in

securities

markets or markets for commercial or residential real estate could harm our revenues and profitability; customers could pursue alternatives to bank deposits, causing us to lose a relatively

inexpensive source of funding; customers may decide not to use banks to complete their financial transactions, which could affect net income; we have businesses other than banking,

which subjects us to a variety of risks; hurricanes and other natural disasters may adversely affect loan portfolios and operations and increase the cost of doing business; negative public

opinion could damage our reputation and adversely impact our business; we rely on other companies for key components of our business infrastructure; we rely on our systems,

employees and certain counterparties, and certain failures could

materially adversely affect our operations; we depend on the accuracy and completeness of information about clients

and counterparties; regulation by federal and state agencies could adversely affect our business, revenues, and profit margins; competition in the financial services industry is intense and

could result in losing business or reducing profit margins; future legislation could harm our competitive position; maintaining or increasing market share depends on market acceptance

and regulatory approval of new products and services; our ability to receive dividends from our subsidiaries accounts for most of our revenues and could affect our liquidity and ability to

pay dividends; significant legal actions could subject us to substantial uninsured liabilities; we have in the past and may in the future pursue acquisitions, which could affect costs and from

which we may not be able to realize anticipated benefits; we depend on the expertise of key personnel without whom our operations may suffer; we may be unable to hire or retain

additional qualified personnel and recruiting and compensation costs may increase as a result of turnover, both of which may increase costs and reduce profitability and may adversely

impact our ability to implement our business strategy; our accounting policies and methods are key to how we report financial condition and results of operations, and may require

management to make estimates about matters that are uncertain; changes in our accounting policies or in accounting standards could materially affect how we report our financial results

and condition; our stock price can be volatile; our disclosure controls and procedures may fail to prevent or detect all errors or acts of fraud; weakness in residential property values and

mortgage loan markets could adversely affect us; we may be required to repurchase mortgage loans or indemnify mortgage loan purchasers as a result of breaches of representations

and warranties, borrower fraud, or certain borrower defaults, which could harm our liquidity, results of operations and financial condition; and we may enter into transactions with off-

balance sheet entities affiliated with SunTrust or its subsidiaries which may cause us to recognize current or future losses.

2

Driving Shareholder Value

Financial Performance

Good progress in 3Q on fundamental performance in fee income, margin, and

expense management

Mortgage and fixed income valuations impacted 3Q results

Strength and Stability

The credit cycle appears to be turning and we believe SunTrust’s shareholders

will be well served by the Company’s legacy of disciplined credit risk

management

Growth Opportunities

SunTrust’s unique franchise, higher growth footprint, and focus on execution

provides attractive growth prospects for our five lines of business

3

Financial Performance

4

Financial Performance

3Q 2007 Income Statement Summary

($ in millions, except per share data)

Net Interest Income (FTE)

Provision for Loan Losses

Noninterest Income

Noninterest Income Excluding Net Securities

(Gains)/Losses and Net Gain on Sale of Bond

Trustee

Total Revenue (FTE)

Total Revenue (FTE) Excluding Net Securities

(Gains)/Losses and Net Gain on Sale of Bond

Trustee

Total Noninterest Expense

Total Noninterest Expense Excluding Severance

Provision for Income Taxes¹

Net Income Available to Common Shareholders

Net Income Available to Common Shareholders

Excluding Coke Gain

Diluted Net Income Per Average Common Share²

Diluted Net Income Per Average Common Share

Excluding Coke Gain²

3Q 2007

Sept 30, 2007

3Q 2006

% Change

Annualized

2Q 2007

Sept 30, 2006

% Change

Nine Months Ended

$1,219.2

0%

4%

$3,627.5

2%

147.0

NM

139%                         308.1

110%

819.1

NM

(5)%

2,852.7

10%

818.1

(44)%

(2)%

2,615.2

2%

2,038.4

(57)%

0%

6,480.1

5%

2,037.4

(19)%                          1%

6,242.7

2%

1,291.2

13%

7%

3,778.4

4%

1,246.2   

(2)%

3%

3,733.4

2%

152.9

NM

(26)%

695.2

2%

412.6

NM

(23)%                       1,600.5

(1)%

412.6

(88)%                     (23)%                      1,454.9                        (10)%

1.18

NM                      (20)%

4.52

2%

1.18

(81)%

(20)%                           4.11

(7)%

1.

Effective tax rate in 3Q 2007 was 26.7% versus 31.5% in 2Q 2007 due to: taxes paid on The Coke Cola Company gain in 2Q; the true

up of expense associated with the early termination of a capital security; and lower projected taxable income.

2.

Accelerated share repurchase totaling 9.5 million shares completed in 3Q 2007 with 8 million shares fully reflected and 1.5 million partially.  Severance impact of  $0.08 per share included in

results.

Note:  NM stands for not meaningful and indicates a large percentage change.

Despite challenging market conditions, SunTrust has

generated revenue growth and maintained expenses in 2007

5

Financial Performance 

Market Impacts and Noninterest Income

Capital Markets

Mortgage

Treasury

$    (121)

(88)

Total Loss                                $    (161)

Charges equate to $0.28 per share

Further declines in fixed income

values in September added to the 

$0.20 impact through August

The losses are largely unrealized, but

we do not expect a material recovery

in the short run

($ in millions)

Market Related Impact of $161 Million in 3Q 2007…

…Obscures Otherwise Solid Performance in Fee Income

Service charges up 10%

over 3Q 2006

Despite business sales,

Trust income up 1% over 3Q 2006 and 6% over 2Q 2007¹

Retail Investment income up 28%

over 3Q 2006

Mortgage Servicing income up 56%

over 3Q 2006

1.  Bond Trustee sale in 3Q 2006 and merger of Lighthouse Partners in 1Q 2007.

48

6

We believe our margin is lower than

peers due to our relatively conservative

loan mix

Three consecutive quarters of 8 bp

margin expansion

Additional expansion expected in 4Q

2007

1

Balance sheet shareholder value

initiatives driving growth

Recent actions include reducing lower

yielding securities and higher cost

wholesale deposits

Financial Performance

Net Interest Margin

Source:  SNL

Peers: BAC, BBT, FITB, KEY, NCC, PNC, RF, USB, WB and WFC. 

Peer numbers are medians.

63 bp

Difference

23 bp

Difference

Net Interest Margin

2.94%

3.02%

3.10%

3.18%

3.41%

3.57%

3.49%

3.43%

4Q 2006

1Q 2007

2Q 2007

3Q 2007

SunTrust

Peers

1.

Actual results could differ materially from those contained in or implied by such statements –

refer to slide 1 for a list of important factors that

could cause actual results to differ.

7

Financial Performance

Expense Management

E

2

is Driving Expense Growth Down…

$140.1 million in year-to-date realized gross cost savings, or 77% of 

2007 annual goal of $181 million

3Q 2007 run-rate savings of $59.5 million

On track to achieve $350 million 2008 goal; 2009 goal remains $530 million

…But Credit Related Operating Losses and Deposit Focused

Marketing are Impacting Expense Growth As Well

$ Change

3Q 2007

2Q 2007

3Q 2006

2Q 2007

3Q 2006

Total noninterest expense   $1,246.2     $1,251.2    $1,205.5  

$(5.0)         $40.7

excluding severance

Operating losses

1

$52.0          $29.1           $9.9     $22.9         $42.1

Marketing

$46.9          $43.3         $35.9       $3.6         $11.0

1.

Operating losses are included in the other expense line item in our financial statements.  3Q 2007 operating losses include an accrual of

approximately $27 million for fraud losses.  The accrual at the end of the quarter was approximately $20 million.

8

Strength and Stability

9

Commercial

$34,970    

29%

Residential

Mortgages

$31,604

   26%

Construction

$14,359     

12%

Home Equity

Lines     

$14,599    

12%

Commercial RE

$12,487       

10%

Indirect

$7,642 

7%

Direct

$4,419

4%

Loan Portfolio: $120,748

1

No material exposure to credit card or

other consumer unsecured lending

Commercial portfolios, which represent

39% of total loans, are performing well

overall

Residential Mortgage Portfolio

•

63% Core ARM and Jumbo with WA           

LTV of 73% and WA FICO of 729²

•

5% ($1.7 billion) Alt-A: $1.1 billion 

1

st

lien with WA LTV of 76%,  

remaining are insured 2nds²

•

No option ARM, originated sub-prime,

or negative amortizing loans

Home Equity Lines

•

WA FICO 734, 24% 1

st

lien, and 27

months average seasoning

•

87% lower risk origination channels

Construction Portfolio

•

27% commercial purpose

•

26% construction perm loans to

individuals

•

35% residential construction and A&D

(As of 9/30/07, in millions)

1.

Loan Portfolio also includes credit card balances which totaled $668 million.

2.

FICO scores are refreshed quarterly, and LTV’s are at origination.

Strength and Stability

Credit Perspective

10

3Q 2007 charge-off ratio of 34 bps

Through mid-year 2008, we anticipate

charge-offs will be in the 35-45 bps range

assuming no further material deterioration 

in the economy

50% of residential mortgage nonaccruals

are Alt-A, 64% are 1

st

lien with an average

LTV of

76%,

and

36%

are

insured

2

nd

liens

2

Remaining 50% of residential mortgage

NPL’s are primarily from Core portfolio

with typically lower LTV’s

Conclusion:  Ultimate loss content in

current NPL’s much less than balances

Allowance at 91 bps

is 2.7 times 3Q 2007

annualized charge-offs and 2.0 times high

end of 35-45 bps charge-off guidance

range for the next 3 quarters

(As of 9/30/07, in millions)

Strength and Stability

Credit Perspective

Consumer

$11

    1%

Commercial RE

$41

     4%

Construction

$158

    16%

Commercial

$74

    8%

Residential

Mortgages¹

$691

      71%

Nonaccrual Loans: $975

1.

Includes Home Equity lines on nonaccrual status.

2.

FICO scores are refreshed quarterly, and LTV’s are at origination.

11

Growth Opportunities

12

Market

Opportunities

Deposit focused campaign has helped increase year-to-date net new consumer

checking accounts by over 7%

Ranked Highest in Customer Satisfaction for Home Equity Line of Credit/Loan 

Servicers in 2007 by J.D. Power and Associates

Lowered cost per consumer loan serviced by 20% and cost per $ collected by 9% 

through improved productivity and effective use of offshoring

Goals

Continue to optimize branch network; opening approximately 40 new branches

Build 2008 marketing and advertising plans around checking household acquisition

Continued focus on growing SunTrust@work program (targets employees of 

commercial businesses for consumer banking relationships)

Increasing

investment

in

internet

channel

with

plans

to

launch

Online

Account

Opening

and Mobile Banking services in 2008

Strategies

&

Tactics

SunTrust’s footprint shows projected population growth above the U.S. national

average  

Deposit dollars are projected to grow at 4.3% annually in the SunTrust footprint over the

next 5 years.  This is 16% higher than the U.S. average

Over

70%

of

households

in

the

SunTrust

footprint

are

clustered

in

the

Upper

Affluent,

Lower Affluent, and Mass Market segments

Grow deposit households

Expand loss mitigation strategy to assist delinquent home equity clients and reduce

nonperforming loans

Hire 50 to 100 business bankers

Retail Growth Opportunities

2007

Successes

1.

SunTrust

received the highest numerical score in the proprietary J.D. Power and Associates 2007 Home Equity Line of Credit/Loan Servicer StudySM.

Study based on 4,964 total responses measuring 25

lenders and measures the service satisfaction of bank customers who obtained a home equity line of credit/loan in September 2006-May 2007.

Proprietary study results are based on experiences and perceptions

of consumers surveyed in June-August 2007.

Your experiences may vary.

Visit jdpower.com.

1

13

Strategies

&

Tactics

Market

Opportunities

Goals

Opportunity to expand business in under-penetrated markets

Opportunity to increase cross-sale of Treasury & Payments solutions, Private

Wealth Management, and Institutional Investment products

Deploy $100 million in New Markets Tax Credits

Increase

client

product

penetration

by

better

leveraging

client

data

and

improving

cross-selling success

Drive new client acquisition through Treasury & Payments focused calling efforts and

product marketing

Cross-sell deposit and cash management products to Commercial Real Estate clients

Enhance

speed

to

market

and

reduce

cost

of

loan

origination

via

full

implementation

of

credit resource center

Continue to grow deposits

Attain 20% lead bank market share

Increase deposits to 20% of loans versus 14% today in real estate client base

Commercial Growth Opportunities

2007

Successes

Capital Markets referrals up 25%

Treasury & Payment product sales up 11%

Over 1,400 referrals to Retail for SunTrust@work program

$100 million New Markets Tax Credits awarded by U.S. Treasury

1.  2007 successes % increases reflect the first three quarters of 2007 as compared to the same period in 2006.

1

14

Derivatives revenue up 22% led by a record 3rd Quarter

Structured Leasing revenue up 28%

Leasing revenue up 15%

Strategies

&

Tactics

Market

Opportunities

Goals

Increased market share in Investment Banking products with large corporate clients

In Commercial Banking, Capital Markets expects to increase market share in

Syndications, Derivatives, and M&A

In Wealth & Investment Management, Capital Markets expects to increase market  

share in Derivatives

Execute

our

new

STRH

integrated

Corporate

&

Investment

Banking

coverage

model

that

drives greater coordination of product and client groups and leverages recent

investments in people and capabilities in our Capital Markets platform

Increase the cross-sell of Capital Markets products in Commercial Banking and Wealth &

Investment Management with a new sales model that has product specialists located in 

key markets

Large corporate clients: increase the number of lead relationships and grow Capital

Markets revenue by ˜

20%

Commercial Banking: increase revenue by ˜

20% and improve the mix towards more

Investment Banking revenue

Wealth & Investment Management: increase revenue ˜

10-15% by improving the

alignment of business referral / compensation goals

Corporate & Investment Banking Growth Opportunities

2007

Successes¹

1.  2007 successes % increases reflect the first three quarters of 2007 as compared to the same period in 2006.

15

Added 178 Retail Loan Officers and 20 new branches

Held the #1 customer service ranking by JD Power & Associates for Mortgage

Origination business in 2007

#7 National Purchase lender as ranked by Inside Mortgage Finance for 2007

Selectively grow origination business through organic sales force growth and strategic

branch additions

Maintain

“balanced

business”

by

managing

mix

of

origination

and

servicing

Provide world class technology to our sales and support teams

Focus on credit management; increase credit risk and default management staffing

Industry

contraction

creating

opportunity

to

acquire

top

sales

talent

and

increase

market share

New product opportunities such as Reverse Mortgages

Strategies

&

Tactics

Market

Opportunities

Goals

Maintain 2008 origination volumes at near-2007 levels, despite expected 17%

industry decline

Grow servicing portfolio as appropriate to maintain balanced business model

Complete deployment of new mortgage origination technology to wholesale and retail

channels

Mortgage Growth Opportunities

2007

Successes

16

Market

Opportunities

Grow both AUA and AUM at or better than industry growth

Increase GenSpring AUM by 25%

Leverage our operating model to increase market share of business owners and

medical/legal professionals in our footprint

Maintain or increase two-thirds of funds in Lipper top two quartiles

Goals

Focus on business owners and medical/legal professionals for client acquisition and

cross sale opportunities

Complete

GenSpring

opportunistic

hiring,

de

novo

branching,

and

acquisitions

Increase third party distribution of asset management products

Implement Unified Management Assets (UMA) solution with the support of overlay

technology

Strategies

&

Tactics

The market is fragmented with the top 40 advisors averaging 1.25% market share

The creation of new wealth in the U.S. is being primarily driven by privately owned

businesses

25% of equity wealth projected to transfer over the next 5 years

Wealth & Investment Management Growth Opportunities

2007

Successes

Retail investment services income increased 22%

Approximately two-thirds of the STI Classic funds are in the top two Lipper quartiles

for 1, 3, and 5 year performance

GenSpring family offices re-branded (formerly AMA), opened a New York office,

hired

several

client

advisors,

and

acquired

TBK

Investments,

Inc.

increasing

AUA

by $1.4B with 64 new families

1.  2007 successes % increases reflect the first three quarters of 2007 as compared to the same period in 2006.

1

17

Driving Shareholder Value

Financial Performance

Good fee income growth excluding market impacts

Increasing margin

Continuing progress in reducing expense growth

Strength and Stability

Portfolio is well diversified with little exposure to consumer unsecured lending

Realizing risk in residential mortgage and home equity line portfolios, mostly from Alt-A and

higher LTV equity lines

In the third quarter, we began to recognize some stress in the residential portion of the

construction portfolio

NPL’s and losses have been trending up.  Based on 3Q NPL analysis, loss content appears

to be manageable at this time with reserves at 2.7x 3Q 2007 annualized charge-offs

Line of Business Growth Opportunities

Increasing focus on consumer and commercial household acquisition

Lead with checking and treasury solutions products

Realize greater cross-sale opportunities

Continue to invest in technology solutions that improve client service and efficiency

Selectively grow businesses and products

18

Appendix

19

Outlook

We do not expect a material near-term recovery of the losses associated with the mark-to-market

adjustments realized in 3Q 2007.

We expect further net interest margin expansion in 4Q 2007.

E²

Efficiency and Productivity Initiative:

•

We

anticipate

that

we

will

exceed

our

upwardly

revised

E

target

of

$181

million

in

estimated

gross

cost

savings

for 2007.

•

We are confident that we will achieve our $350 million gross cost savings goal in 2008.

•

Our 2009 gross cost savings goal remains $530 million.

Through mid-year 2008, we anticipate net charge-offs will be in the 35-45 basis point range assuming no

further material deterioration in the economy.

We experienced only a modest impact on financial results from additional deterioration in market values in

October.

1.

Actual

results

could

differ

materially

from

those

contained

in

or

implied

by

such

statements

-

a

list

of

important

factors

that

could

affect

actual

results

are

listed on slide 1.

2.

Assumes no further material deterioration in the economy.

2

2

2

1

20

Additional Financial Disclosures

($ in millions)

3Q 2007

2Q 2007

Mortgage Production Income

Spread widening impact

$ (88)

Impact of eliminating FAS 91 fee deferral

$  30

$12

Mortgage Servicing Income

Revenue from sale of mortgage servicing rights

$  20

$12

21

Reconciliations

($ in millions, except per share data)

Net Securities (Gains)/Losses

Net Gain on Sale of Bond Trustee Business

Noninterest Income

Noninterest Income Excluding Net Securities (Gains)/

Losses and Net Gain on Sale of Bond Trustee

Business

Total Revenue (FTE)

Total Revenue (FTE) Excluding Net Securities (Gains)/

Losses and Net Gain on Sale of Bond Trustee

Business

Total Noninterest Expense

Severance

Total Noninterest Expense Excluding Severance

Net Income Available to Common Shareholders

Impact of Excluding Gain on Sale of Shares of the   

Coca-Cola Company

Net Income Available to Common Shareholders

Excluding Gain on Sale of Shares of The              

Coca-Cola Company

Diluted Net Income Per Average Common Share

Impact of Excluding Gain on Sale of Shares of The  

Coca-Cola Company

Diluted Net Income Per Average Common Share

Excluding Gain on Sale of Shares of The               

Coca-Cola Company

3Q 2007

Sept 30, 2007

3Q 2006

Sept 30, 2006

Nine Months Ended

$ (1.0)

$91.8

$(237.4)

$85.9

__

(112.8)

__

(112.8)

819.1

858.9

2,852.7

2,585.8

818.1

837.9

2,615.2                           2,558.9

2,038.4

2,032.8                             6,480.1            

6,149.1

2,037.4

2,011.8                             6,242.7            

6,122.2

1,291.2

1,205.5

3,778.4                          3,646.1

(45.0)

__

(45.0)                             __

1,246.2

1,205.5

3,733.4                          3,646.1

412.6

535.6

1,600.5                          1,611.1

__  

__

(145.5)

__            

412.6

535.6

1,454.9

1,611.1

1.18                             1.47                   

4.52                              4.42

__                                __                   

( 0.41)

__

1.18

1.47

4.11                              4.42

22

On November 2, 2007, SunTrust Banks, Inc. (NYSE: STI) and GB&T Bancshares, Inc. (NASDAQ: GBTB)

announced the signing of a definitive agreement under which SunTrust will acquire GB&T (the “Agreement”). 

The Agreement provides that GB&T will merge with and into SunTrust, with SunTrust continuing as the

surviving entity (the “Merger”), and that each issued and outstanding share of GB&T common stock

(excluding shares owned by GB&T or SunTrust) will be converted into the right to receive 0.1562 shares of

SunTrust common stock (the “Exchange Ratio”).  Cash will be paid in lieu of fractional shares. 

Where You Can Find Additional Information About The Merger

The proposed Merger will be submitted to GB&T’s shareholders for consideration. SunTrust will file a Form

S-4 Registration Statement, GB&T will file a Proxy Statement and both companies will file other relevant

documents regarding the Merger with the Securities and Exchange Commission (the “SEC”). GB&T will mail

the Proxy Statement/Prospectus to its shareholders. These documents, and any applicable amendments or

supplements, will contain important information about the Merger, and SunTrust and GB&T urge you to read

these documents when they become available.

You may obtain copies of all documents filed with the SEC regarding the Merger, free of charge, at the SEC’s

website (www.sec.gov). You may also obtain these documents free of charge from SunTrust’s website

(www.suntrust.com) under the heading “About SunTrust”

and then under the heading “Investor Relations”

and then under the item “Financial and Regulatory Filings.”

You may also obtain these documents, free of

charge, from GB&T’s website (www.gbtbancshares.com) under the section “Corporate Info”

and then under

the item “Corporation Information”

and then under the item “Documents.”

Participants in the Merger

SunTrust and GB&T and their respective directors and executive officers may be deemed participants in the

solicitation of proxies from GB&T’s shareholders in connection with the Merger. Information about the

directors and executive officers of SunTrust and GB&T and information about other persons who may be

deemed participants in the Merger will be included in the Proxy Statement/Prospectus. You can find

information about SunTrust’s executive officers and directors in its definitive proxy statement filed with the

SEC on March 2, 2007. You can find information about GB&T’s executive officers and directors in its

definitive proxy statement filed with the SEC on April 18, 2007.

You can obtain free copies of these

documents from the websites of SunTrust, GB&T or the SEC.

Driving Shareholder Value

James M. Wells III

President and Chief Executive Officer

BancAnalyst Association of Boston, Inc.  2007 Conference

November 9, 2007