EX-99.4 5 donna_pres1.htm donna_pres1.htm - BB&T

Exhibit 99.4

     Deposits – A Significant
 Contributor to BB&T’s Success


Agenda

  • Managing Deposits as a Line of Business

  • 2008 Financial Crisis Timeline

  • Deposit Highlights for 2008

  • Key Initiatives for 2009

2

Managing Deposits as a Line of Business


3

Mission

To drive core deposit growth while balancing

  • Interest costs

  • Revenue generation

  • Overall quality of the deposit base

4

Deposit Services

Achieve balanced performance within the context of liquidity, balance sheet growth and market conditions.

5

   Deposit Services

% of Average Noninterest Bearing as a % of Total Average Deposits

2008


National Peers consist of CMA, FITB, HBAN, KEY, M&T,   
 
M&I, PNC, BPOP, RF, STI, USB and Zions  Source: Earnings Releases 
    Restated for Acquisitions 

6

  Deposit Services

Achieve balanced performance within the context of liquidity, balance sheet growth and market conditions.

7

   Deposit Services

Achieve balanced performance within the context of liquidity, balance sheet growth and market conditions.

8

2008 Financial Crisis Timeline


2008 Financial Crisis Timeline


10

2008 Financial Crisis Timeline


Deposit Highlights
 for 2008

12

Deposit Services

  • Experienced accelerated growth in deposits in the second half of the year including strong growth in transaction and money market account balances

  • Grew net new transaction accounts by 94,012 accounts

  • Dramatically improved our cross-sell ratios in 2008 at account opening and for existing clients

  • Aggressively managed deposit costs in response to rapidly falling interest rates

  • Demonstrated strong service charge growth in 2008

13

Deposit Services

Total Average Deposits

($ in millions)

Source: Earnings Release as reported

14

Deposit Services

  Total Average Transaction, Savings & Money Market Accounts

($ in millions)


Source: Earnings Release as reported

15

Deposit Services

Deposit Growth
Peer Comparison
2007 vs. 2008 YTD

 

National Peers consist of CMA, FITB, HBAN, KEY, M&T,

M&I, PNC, BPOP, RF, STI, USB and Zions

Source: Earnings Release
Restated for Acquisitions

16

Deposit Services

  • Experienced accelerated growth in deposits in the second half of the year including strong growth in transaction and money market account balances

  • Grew net new transaction accounts by 94,012 accounts

  • Dramatically improved our cross-sell ratios in 2008 at account opening and for existing clients

  • Aggressively managed deposit costs in response to rapidly falling interest rates

  • Demonstrated strong service charge growth in 2008

17

Deposit Services

Net New Checking Accounts

18

Deposit Services

  • Experienced accelerated growth in deposits in the second half of the year including strong growth in transaction and money market account balances

  • Grew net new transaction accounts by 94,012 accounts

  • Dramatically improved our cross-sell ratios in 2008 at account opening and for existing clients

  • Aggressively managed deposit costs in response to rapidly falling interest rates

  • Demonstrated strong service charge growth in 2008

19

“Bundle” Results

  2007   2008   % Improvement  
  (Before Implementation)   (Year End)      
New Retail DDA + 3 or  25.3%  41.1%   15.6%  
more services             
households (1-30 days)             
New Business DDA + 3  4.8%  12.9%  8.1%  
or more services             
households (1-60 days)             

20

Deposit Households (Network Assigned)


* Total Lost Households (Nov ’07 to Nov ’08) considered only from the baseline population as of Nov, 2007 – this is a more traditional measure of attrition that also tends to report lower attrition rates since the attrition on new clients is not considered and new clients attrite at a higher rate than older clients. This method is chosen here because the industry tends to report attrition this way so it is more comparable to peers.

21

Deposit Services

  • Experienced accelerated growth in deposits in the second half of the year including strong growth in transaction and money market account balances

  • Grew net new transaction accounts by 94,012 accounts

  • Dramatically improved our cross-sell ratios in 2008 at account opening and for existing clients

  • Aggressively managed deposit costs in response to rapidly falling interest rates

  • Demonstrated strong service charge growth in 2008

22

Deposit Services

Cost of Interest Bearing Deposits for 2008

23

Deposit Services

Cost of Interest Bearing Deposits Peer Comparison


National Peers consist of CMA, FITB, HBAN, KEY, M&T,
 M&I, PNC, BPOP, RF, STI, USB and Zions

Source: Earnings Release

24

Deposit Services

  • Experienced accelerated growth in deposits in the second half of the year including strong growth in transaction and money market account balances

  • Grew net new transaction accounts by 94,012 accounts

  • Dramatically improved our cross-sell ratios in 2008 at account opening and for existing clients

  • Aggressively managed deposit costs in response to rapidly falling interest rates

  • Demonstrated strong service charge growth in 2008

25

Deposit Services

Service Charges on Deposits

($ in millions)

 

Source: Earnings Release
Restated for Acquisitions

26

Deposit Services

Service Charges
Peer Comparison

2007 vs. 2008 YTD


National Peers consist of CMA, FITB, HBAN, KEY, M&T,

M&I, PNC, BPOP, RF, STI, USB and Zions 

Source: Earnings Releases
Restated for Acquisitions

27

2009 Key Initiatives

28

2009 Initiatives to Obtain Balanced Performance


29