Exhibit 99.7

Appendix

Reconciliations of Non-GAAP
 Financial Measures

Generating Fee Income and Operating Efficiency 1

	For the Years Ended December 31,
		2004		2005		2006		2007		2008
Noninterest Income as a Percentage of Net Revenue
(T/E) Based on Operating Earnings		37.8	%	39.1	%	40.6	%	41.3	%	40.3	%
Effect of other, net (1)		-		-		-		-		1.1
Noninterest Income as a Percentage of
Net Revenue (T/E) Based on GAAP		37.8	%	39.1	%	40.6	%	41.3	%	41.4	%
Cash Basis Efficiency Ratio		49.7	%	50.4	%	53.2	%	51.6	%	51.3	%
Effect of pretax merger-related and restructuring items		.1		(.2	)	.3		.3		.2
Effect of pretax amortization of intangibles		2.0		1.9		1.6		1.5		1.3
Effect of other, net (2)		-		.8		( .4	)	.3		(.7	)
Effect of amortization of mark-to-market adjustments		.2		.2		.1		-		-
Efficiency Ratio Based on GAAP		52.0	%	53.1	%	54.8	%	53.7	%	52.1	%
Operating Leverage		(1.36	)%	(1.51	)%	(4.79	)%	3.03	%	1.05	%
Effect of merger-related and restructuring items
and non-recurring items (3)		19.77		(.91	)	.24		(.03	)	2.95
Operating Leverage Based on GAAP		18.41	%	(2.42	)%	(4.55	)%	3.00	%	4.00	%

(1)	Reflects gains from the initial public offering and sale of Visa stock in 2008, and the impact of a nonrecurring item associated with BB&T’s leasing operations in 2003.
(2)	Reflects gains from the initial public offering and sale of Visa stock, a gain from the early extinguishment of debt and nonrecurring professional fees in 2008, a reserve charge relating to the Visa settlement in 2007, a gain on the sale of duplicate facilities in 2006, and a one-time adjustment related to the accounting for property and equipment leases in 2005.
(3)	Reflects the impact of the fluctuations in merger-related and restructuring charges and non-recurring items.

1

Operating Efficiency
	Annualized Link Quarter
	4Q08 vs 3Q08		3Q08 vs 2Q08		2Q08 vs 1Q08		1Q08 vs 4Q07
Revenue Growth	7.38	%	3.40	%	22.48	%	10.49	%
Effect of other, net (1)	(8.64	)	(6.72	)	2.48		7.92
Revenue Growth Based on GAAP	(1.26	)%	(3.32	)%	24.96	%	18.41	%
Expense Growth	3.98		1.20		22.13		8.70
Effect of other, net (1)	(2.01	)	18.24		(10.96	)	(11.26	)
Expense Growth Based on GAAP	1.97		19.44		11.17		(2.56	)
Operating Leverage	3.40	%	2.20	%	.35	%	1.79
Effect of other, net (1)	(6.63	)	(24.96	)	13.44		19.18
Operating Leverage Based on GAAP	3.23	%	(22.76	)	13.79		20.97

(1) Reflects the impact of the fluctuations in merger-related and restructuring charges and non-recurring items.

2

     Operating Earnings
 Available to Common Shareholders

as originally reported (dollars in millions)

		Operating Earnings			Net Income
1993	$	98		$	98
1994		237			237
1995		254			178
1996		305			284
1997		409			360
1998		513			502
1999		659			613
2000		875			626
2001		1,100			974
2002		1,318			1,303
2003		1,424			1,065
2004		1,562			1,558
2005		1,674			1,654
2006		1,707			1,528
2007		1,749			1,734
2008		1,376			1,498
Fifteen-Year Compound Annual Growth Rate		19.2	%		19.9	%

3

Pre-Tax Pre-Provision
 Operating Earnings

as originally reported (dollars in millions)

		Operating			GAAP
1993	$	164		$	164
1994		380			380
1995		411			295
1996		505			472
1997		705			637
1998		828			813
1999		1,059			996
2000		1,395			1,033
2001		1,739			1,584
2002		2,093			1,556
2003		2,293			1,865
2004		2,577			2,571
2005		2,716			2,684
2006		2,778			2,713
2007		3,053			3,018
2008		3,392			3,493
Fifteen-Year Compound Annual Growth Rate		22.4	%		22.6	%

4

 

Earnings Performance
	For the Year Ended December 31,
Dollars in Millions		2004		2005		2006		2007		2008
Total Revenues Based on Operating Results		6,666		7,830		9,489		10,668		10,334
Pretax merger-related and restructuring charges		-		-		-		-		-
Other, net (1)		-		2		(75	)	-		70
Total Revenues Based on GAAP Results		6,666		7,832		9,414		10,668		10,404
Operating Earnings Available to Common Shareholders		1,562		1,674		1,707		1,749		1,376
Merger-related and restructuring charges, net of tax		(4	)	7		(11	)	(13	)	(10	)
Other, net (2)		-		(27	)	(168	)	(2	)	132
Net Income Available to Common Shareholders		1,558		1,654		1,528		1,734		1,498
Return on Assets Based on Operating Earnings		1.62		1.60		1.49		1.38		1.02
Effect of after-tax merger-related and restructuring charges		-		.01		(.01	)	(.01	)	(.01	)
Effect of other, net (2)		-		(.03	)	(.14	)	-		.10
Return on Assets Based on Net Income		1.62		1.58		1.34		1.37		1.11
Return on Common Equity Based on Operating Earnings Available to Common Shareholders		14.74		15.12		14.91		14.37		10.51
Effect of after-tax merger-related and restructuring charges		(.03	)	.07		(.10	)	(.10	)	(.08	)
Effect of other, net (2)		-		(.24	)	(1.46	)	(.02	)	1.01
Return on Common Equity Based on Net Income Available to Common Shareholders		14.71		14.95		13.35		14.25		11.44
Diluted EPS Based on Operating Earnings Available to Common Shareholders		2.81		3.04		3.14		3.17		2.49
Effect of after-tax merger-related and restructuring charges		(.01	)	.01		(.02	)	(.02	)	(.02	)
Effect of other, net (2)		-		(.05	)	(.31	)	(.01	)	.24
Diluted EPS Based on Net Income Available to Common Shareholders		2.80		3.00		2.81		3.14		2.71
Cash ROA		1.79		1.77		1.63		1.50		1.11
Effect of amortization of mark-to-market adjustments, net of tax		(.01	)	(.02	)	(.01	)	-		-
Effect of amortization of intangibles, net of tax (3)		(.16	)	(.15	)	(.13	)	(.12	)	(.09	)
Return on Assets Based on Operating Earnings		1.62		1.60		1.49		1.38		1.02
Cash ROCE		26.36		27.12		27.23		26.82		19.30
Effect of amortization of mark-to-market adjustments, net of tax		(.28	)	(.29	)	(.13	)	(.03	)	-
Effect of amortization of intangibles, net of tax (3)		(11.34	)	(11.71	)	(12.19	)	(12.42	)	(8.79	)
Return on Common Equity Based on Operating Earnings Available to Common Shareholders		14.74		15.12		14.91		14.37		10.51
Cash Basis Diluted EPS		2.96		3.20		3.27		3.29		2.60
Effect of amortization of mark-to-market adjustments, net of tax		(.03	)	(.04	)	(.01	)	-		-
Effect of amortization of intangibles, net of tax		(.12	)	(.12	)	(.12	)	(.12	)	(.11	)
Diluted EPS Based on Operating Earnings Available to Common Shareholders		2.81		3.04		3.14		3.17		2.49

(1)	Includes gains from the initial public offering and sale of Visa stock, net securities gains and other-than-temporary impairment losses,and an adjustment related to the accounting for leveraged leases in 2008, a loss on sale of securities in 2006, and a one-time adjustment related to the accounting for property and equipment leases in 2005.
(2)	Includes gains from the initial public offering and sale of Visa stock, a gain from the early extinguishment of debt, net securities gains, other-than-temporary impairment losses and nonrecurring professional fees in 2008, a reserve charge relating to the Visa settlement and a credit to the provision for income taxes in 2007, an additional tax provision related to leveraged leases, a loss on the sale of securities, and the impact of a gain on the sale of duplicate facilities in 2006, and a one-time adjustment related to the accounting for property and equipment leases in 2005.
(3)	Excludes average intangibles from average assets and average equity, net of deferred taxes, in the calculation of cash basis ratios.