Exhibit 99.2

BB&T Corporation

Quarterly Performance Summary

Third Quarter 2015

BB&T Corporation
Quarterly Performance Summary
Table of Contents
	Page
Financial Highlights	1
Financial Highlights - Five Quarter Trend	2
Consolidated Statements of Income	3
Consolidated Statements of Income - Five Quarter Trend	4
Lines of Business Financial Performance - Five Quarter Trend	5
Consolidated Balance Sheets	7
Consolidated Balance Sheets - Five Quarter Trend	8
Average Balance Sheets	9
Average Balance Sheets - Five Quarter Trend	10
Average Balances and Rates - Quarters	11
Credit Quality	14
Credit Quality - Supplemental Information	17
Preliminary Capital Information - Five Quarter Trend	18
Selected Items & Additional Information	19
Non-GAAP Reconciliations	20

BB&T Corporation
Financial Highlights
(Dollars in millions, except per share data, shares in thousands)
		Quarter Ended								Year-to-Date
		September 30						%		September 30						%
		2015			2014			Change		2015			2014			Change
Summary Income Statement
Interest income		$	1,687		$	1,578		6.9	%	$	4,740		$	4,732		0.2	%
Interest expense			186			193		(3.6)			544			586		(7.2)
	Net interest income - taxable equivalent		1,501			1,385		8.4			4,196			4,146		1.2
Less:  Taxable-equivalent adjustment			37			36		2.8			108			107		0.9
	Net interest income		1,464			1,349		8.5			4,088			4,039		1.2
Provision for credit losses			103			34		NM			299			168		78.0
	Net interest income after provision for credit losses		1,361			1,315		3.5			3,789			3,871		(2.1)
Noninterest income			988			949		4.1			3,004			2,834		6.0
Noninterest expense			1,594			1,539		3.6			4,669			4,458		4.7
Income before income taxes			755			725		4.1			2,124			2,247		(5.5)
Provision for income taxes			222			172		29.1			543			644		(15.7)
	Net income		533			553		(3.6)			1,581			1,603		(1.4)
Noncontrolling interests			4			4		―			36			60		(40.0)
Preferred stock dividends			37			37		―			111			111		―
	Net income available to common shareholders		492			512		(3.9)			1,434			1,432		0.1
Per Common Share Data
Earnings:
	Basic	$	0.64		$	0.71		(9.9)	%	$	1.95		$	2.00		(2.5)	%
	Diluted		0.64			0.70		(8.6)			1.92			1.97		(2.5)
Cash dividends declared			0.27			0.24		12.5			0.78			0.71		9.9
Common equity			31.56			29.98		5.3			31.56			29.98		5.3
Tangible common equity (1)			19.77			19.71		0.3			19.77			19.71		0.3
End of period shares outstanding (in thousands)			780,150			720,298		8.3			780,150			720,298		8.3
Weighted average shares (in thousands):
	Basic		764,435			720,117		6.2			737,141			717,373		2.8
	Diluted		774,023			729,989		6.0			746,822			727,594		2.6
Performance Ratios
Return on average assets			1.04	%		1.18	%				1.09	%		1.16	%
Return on average risk-weighted assets			1.32			1.56					1.37			1.54
Return on average common shareholders' equity			8.14			9.45					8.45			9.08
Return on average tangible common shareholders' equity (2)			13.23			14.83					13.32			14.41
Net interest margin - taxable equivalent			3.35			3.38					3.31			3.44
Fee income ratio (3)			42.1			44.3					44.7			44.2
Efficiency ratio (3)			59.2			58.7					59.0			58.4
Credit Quality
Nonperforming assets as a percentage of:
	Total assets		0.36	%		0.50	%				0.36	%		0.50	%
	Loans and leases plus foreclosed property		0.55			0.79					0.55			0.79
Net charge-offs as a percentage of average
	loans and leases		0.32			0.48					0.33			0.48
Allowance for loan and lease losses as a percentage
	of loans and leases held for investment		1.08			1.27					1.08			1.27
Ratio of allowance for loan and lease losses to
	nonperforming loans and leases held for investment		2.49	X		1.92	X				2.49	X		1.92	X
Average Balances
Total assets		$	203,531		$	186,339		9.2	%	$	193,346		$	184,635		4.7	%
Total securities (4)			43,048			40,566		6.1			41,643			40,448		3.0
Loans and leases			132,499			120,471		10.0			124,975			118,466		5.5
Deposits			143,837			130,608		10.1			135,131			128,660		5.0
Common shareholders' equity			23,957			21,471		11.6			22,690			21,073		7.7
Shareholders' equity			26,612			24,151		10.2			25,363			23,745		6.8
Period-End Balances
Total assets		$	208,809		$	187,045		11.6	%	$	208,809		$	187,045		11.6	%
Total securities (4)			43,494			41,891		3.8			43,494			41,891		3.8
Loans and leases			136,967			120,690		13.5			136,967			120,690		13.5
Deposits			147,827			130,895		12.9			147,827			130,895		12.9
Common shareholders' equity			24,621			21,592		14.0			24,621			21,592		14.0
Shareholders' equity			27,264			24,271		12.3			27,264			24,271		12.3
Capital Ratios - Preliminary
Risk-based:		Basel III			Basel I					Basel III			Basel I
	Common equity Tier 1		10.1	%		N/A					10.1	%		N/A
	Tier 1		11.6			12.4	%				11.6			12.4	%
	Total		14.1			15.1					14.1			15.1
Leverage			9.9			9.7					9.9			9.7
Tangible common equity to tangible assets (1)			7.7			7.9					7.7			7.9
NM - not meaningful.
Applicable ratios are annualized. Risk-based and leverage capital ratios for the first quarter of 2015 and later are determined in accordance with the Basel III Standardized Transitional Approach, which became effective January 1, 2015. Ratios for earlier periods were determined in accordance with Basel I.
(1)	Tangible common equity per share and tangible common equity to tangible assets ratios are non-GAAP measures.  See the calculations and management's reasons for using these measures in the Capital Information - Five Quarter Trend section of this supplement.
(2)	Return on average tangible common shareholders' equity is a non-GAAP measure. See the calculation and management's reasons for using this measure in the Non-GAAP Reconciliations section of this supplement.
(3)	Excludes certain items as detailed in the Non-GAAP Reconciliations section of this supplement.
(4)	Excludes trading securities. Average balances reflect both AFS and HTM securities at amortized cost. Period-end balances reflect AFS securities at fair value and HTM securities at amortized cost.

1

BB&T Corporation
Financial Highlights - Five Quarter Trend
(Dollars in millions, except per share data, shares in thousands)
		Quarter Ended
		Sept. 30			June 30			March 31			Dec. 31			Sept. 30
		2015			2015			2015			2014			2014
Summary Income Statement
Interest income		$	1,687		$	1,525		$	1,528		$	1,554		$	1,578
Interest expense			186			177			181			183			193
	Net interest income - taxable equivalent		1,501			1,348			1,347			1,371			1,385
Less:  Taxable-equivalent adjustment			37			36			35			36			36
	Net interest income		1,464			1,312			1,312			1,335			1,349
Provision for credit losses			103			97			99			83			34
	Net interest income after provision for credit losses		1,361			1,215			1,213			1,252			1,315
Noninterest income			988			1,019			997			1,022			949
Noninterest expense			1,594			1,653			1,422			1,394			1,539
Income before income taxes			755			581			788			880			725
Provision for income taxes			222			80			241			277			172
	Net income		533			501			547			603			553
Noncontrolling interests			4			10			22			15			4
Preferred stock dividends			37			37			37			37			37
	Net income available to common shareholders		492			454			488			551			512
Per Common Share Data
Earnings:
	Basic	$	0.64		$	0.63		$	0.68		$	0.77		$	0.71
	Diluted		0.64			0.62			0.67			0.75			0.70
Cash dividends declared			0.27			0.27			0.24			0.24			0.24
Common equity			31.56			30.64			30.48			30.09			29.98
Tangible common equity (1)			19.77			20.21			20.13			19.86			19.71
End of period shares outstanding (in thousands)			780,150			733,481			723,159			720,698			720,298
Weighted average shares (in thousands):
	Basic		764,435			724,880			721,639			720,418			720,117
	Diluted		774,023			734,527			731,511			730,652			729,989
Performance Ratios
Return on average assets			1.04	%		1.06	%		1.18	%		1.28	%		1.18	%
Return on average risk-weighted assets			1.32			1.32			1.48			1.68			1.56
Return on average common shareholders' equity			8.14			8.20			9.05			9.99			9.45
Return on average tangible common shareholders' equity (2)			13.23			12.76			14.00			15.45			14.83
Net interest margin - taxable equivalent			3.35			3.27			3.33			3.36			3.38
Fee income ratio (3)			42.1			46.3			45.8			46.2			44.3
Efficiency ratio (3)			59.2			59.2			58.5			55.6			58.7
Credit Quality
Nonperforming assets as a percentage of:
	Total assets		0.36	%		0.38	%		0.40	%		0.42	%		0.50	%
	Loans and leases plus foreclosed property		0.55			0.60			0.64			0.65			0.79
Net charge-offs as a percentage of average
	loans and leases		0.32			0.33			0.34			0.39			0.48
Allowance for loan and lease losses as a percentage
	of loans and leases held for investment		1.08			1.19			1.22			1.23			1.27
Ratio of allowance for loan and lease losses to
	nonperforming loans and leases held for investment		2.49	X		2.55	X		2.45	X		2.39	X		1.92	X
Average Balances
Total assets		$	203,531		$	189,033		$	187,297		$	186,462		$	186,339
Total securities (4)			43,048			40,727			41,133			40,817			40,566
Loans and leases			132,499			122,056			120,235			119,912			120,471
Deposits			143,837			131,868			129,531			130,315			130,608
Common shareholders' equity			23,957			22,210			21,883			21,895			21,471
Total shareholders' equity			26,612			24,888			24,566			24,574			24,151
Period-End Balances
Total assets		$	208,809		$	191,017		$	189,228		$	186,834		$	187,045
Total securities (4)			43,494			40,620			42,089			41,147			41,891
Loans and leases			136,967			124,770			122,027			121,307			120,690
Deposits			147,827			132,783			131,229			129,040			130,895
Common shareholders' equity			24,621			22,477			22,039			21,686			21,592
Shareholders' equity			27,264			25,132			24,738			24,377			24,271
Capital Ratios - Preliminary
Risk-based:		Basel III									Basel I
	Common equity Tier 1		10.1	%		10.4	%		10.5	%		N/A			N/A
	Tier 1		11.6			12.1			12.2			12.4	%		12.4	%
	Total		14.1			14.2			14.4			14.9			15.1
Leverage			9.9			10.2			10.1			9.9			9.7
Tangible common equity to tangible assets (1)			7.7			8.1			8.0			8.0			7.9
Applicable ratios are annualized. Risk-based and leverage capital ratios for the first quarter of 2015 and later are determined in accordance with the Basel III Standardized Transitional Approach, which became effective January 1, 2015. Ratios for earlier periods were determined in accordance with Basel I.
(1)	Tangible common equity per share and tangible common equity to tangible assets ratios are non-GAAP measures.  See the calculations and management's reasons for using these measures in the Capital Information - Five Quarter Trend section of this supplement.
(2)	Return on average tangible common shareholders' equity is a non-GAAP measure. See the calculation and management's reasons for using this measure in the Non-GAAP Reconciliations section of this supplement.
(3)	Excludes certain items as detailed in the Non-GAAP Reconciliations section of this supplement.
(4)	Excludes trading securities. Average balances reflect both AFS and HTM securities at amortized cost. Period-end balances reflect AFS securities at fair value and HTM securities at amortized cost.

2

BB&T Corporation
Consolidated Statements of Income
(Dollars in millions, except per share data, shares in thousands)
			Quarter Ended								Year-to-Date
			Sept. 30				Change				Sept. 30				Change
			2015		2014		$		%		2015		2014		$		%
Interest Income
	Interest and fees on loans and leases		$	1,412	$	1,301	$	111	8.5	%	$	3,898	$	3,891	$	7	0.2	%
	Interest and dividends on securities			232		232		―	―			704		702		2	0.3
	Interest on other earning assets			6		8		(2)	(25.0)			30		31		(1)	(3.2)
		Total interest income		1,650		1,541		109	7.1			4,632		4,624		8	0.2
Interest Expense
	Interest on deposits			61		61		―	―			171		181		(10)	(5.5)
	Interest on short-term borrowings			1		1		―	―			3		3		―	―
	Interest on long-term debt			124		130		(6)	(4.6)			370		401		(31)	(7.7)
		Total interest expense		186		192		(6)	(3.1)			544		585		(41)	(7.0)
Net interest income				1,464		1,349		115	8.5			4,088		4,039		49	1.2
	Provision for credit losses			103		34		69	NM			299		168		131	78.0
Net interest income after provision for credit losses				1,361		1,315		46	3.5			3,789		3,871		(82)	(2.1)
Noninterest income
	Insurance income			354		385		(31)	(8.1)			1,216		1,234		(18)	(1.5)
	Service charges on deposits			167		164		3	1.8			466		472		(6)	(1.3)
	Mortgage banking income			111		107		4	3.7			351		267		84	31.5
	Investment banking and brokerage fees and commissions			105		95		10	10.5			307		275		32	11.6
	Bankcard fees and merchant discounts			57		55		2	3.6			162		155		7	4.5
	Trust and investment advisory revenues			63		56		7	12.5			176		165		11	6.7
	Checkcard fees			45		42		3	7.1			127		122		5	4.1
	Operating lease income			32		24		8	33.3			91		66		25	37.9
	Income from bank-owned life insurance			29		28		1	3.6			86		80		6	7.5
	FDIC loss share income, net			(58)		(87)		29	(33.3)			(201)		(259)		58	(22.4)
	Securities gains (losses), net			(2)		(5)		3	(60.0)			(3)		(3)		―	―
	Other income			85		85		―	―			226		260		(34)	(13.1)
		Total noninterest income		988		949		39	4.1			3,004		2,834		170	6.0
Noninterest Expense
	Personnel expense			882		795		87	10.9			2,576		2,386		190	8.0
	Occupancy and equipment expense			183		170		13	7.6			516		514		2	0.4
	Loan-related expense			38		65		(27)	(41.5)			113		196		(83)	(42.3)
	Software expense			50		44		6	13.6			140		129		11	8.5
	Professional services			42		34		8	23.5			101		101		―	―
	Outside IT services			35		30		5	16.7			94		88		6	6.8
	Regulatory charges			25		23		2	8.7			73		82		(9)	(11.0)
	Amortization of intangibles			29		23		6	26.1			73		69		4	5.8
	Foreclosed property expense			15		11		4	36.4			42		30		12	40.0
	Merger-related and restructuring charges, net			77		7		70	NM			115		28		87	NM
	Loss on early extinguishment of debt			―		122		(122)	(100.0)			172		122		50	41.0
	Other expense			218		215		3	1.4			654		713		(59)	(8.3)
		Total noninterest expense		1,594		1,539		55	3.6			4,669		4,458		211	4.7
Earnings
	Income before income taxes			755		725		30	4.1			2,124		2,247		(123)	(5.5)
	Provision for income taxes			222		172		50	29.1			543		644		(101)	(15.7)
		Net Income		533		553		(20)	(3.6)			1,581		1,603		(22)	(1.4)
	Noncontrolling interests			4		4		―	―			36		60		(24)	(40.0)
	Preferred stock dividends			37		37		―	―			111		111		―	―
		Net income available to common shareholders	$	492	$	512	$	(20)	(3.9)	%	$	1,434	$	1,432	$	2	0.1	%
Earnings Per Common Share
		Basic	$	0.64	$	0.71	$	(0.07)	(9.9)	%	$	1.95	$	2.00	$	(0.05)	(2.5)	%
		Diluted		0.64		0.70		(0.06)	(8.6)			1.92		1.97		(0.05)	(2.5)
Weighted Average Shares Outstanding
		Basic		764,435		720,117		44,318	6.2			737,141		717,373		19,768	2.8
		Diluted		774,023		729,989		44,034	6.0			746,822		727,594		19,228	2.6
NM - not meaningful.

3

BB&T Corporation
Consolidated Statements of Income - Five Quarter Trend
(Dollars in millions, except per share data, shares in thousands)
			Quarter Ended
			Sept. 30		June 30		March 31		Dec. 31		Sept. 30
			2015		2015		2015		2014		2014
Interest Income
	Interest and fees on loans and leases		$	1,412	$	1,249	$	1,237	$	1,272	$	1,301
	Interest and dividends on securities			232		232		240		237		232
	Interest on other earning assets			6		8		16		9		8
		Total interest income		1,650		1,489		1,493		1,518		1,541
Interest Expense
	Interest on deposits			61		55		55		58		61
	Interest on short-term borrowings			1		1		1		1		1
	Interest on long-term debt			124		121		125		124		130
		Total interest expense		186		177		181		183		192
Net interest income				1,464		1,312		1,312		1,335		1,349
	Provision for credit losses			103		97		99		83		34
Net interest income after provision for credit losses				1,361		1,215		1,213		1,252		1,315
Noninterest income
	Insurance income			354		422		440		409		385
	Service charges on deposits			167		154		145		160		164
	Mortgage banking income			111		130		110		128		107
	Investment banking and brokerage fees and commissions			105		108		94		112		95
	Bankcard fees and merchant discounts			57		55		50		52		55
	Trust and investment advisory revenues			63		57		56		56		56
	Checkcard fees			45		43		39		42		42
	Operating lease income			32		30		29		28		24
	Income from bank-owned life insurance			29		27		30		30		28
	FDIC loss share income, net			(58)		(64)		(79)		(84)		(87)
	Securities gains (losses), net			(2)		(1)		―		―		(5)
	Other income			85		58		83		89		85
		Total noninterest income		988		1,019		997		1,022		949
Noninterest Expense
	Personnel expense			882		864		830		794		795
	Occupancy and equipment expense			183		166		167		168		170
	Loan-related expense			38		37		38		71		65
	Software expense			50		46		44		45		44
	Professional services			42		35		24		38		34
	Outside IT services			35		29		30		27		30
	Regulatory charges			25		25		23		24		23
	Amortization of intangibles			29		23		21		22		23
	Foreclosed property expense			15		14		13		10		11
	Merger-related and restructuring charges, net			77		25		13		18		7
	Loss on early extinguishment of debt			―		172		―		―		122
	Other expense			218		217		219		177		215
		Total noninterest expense		1,594		1,653		1,422		1,394		1,539
Earnings
	Income before income taxes			755		581		788		880		725
	Provision for income taxes			222		80		241		277		172
		Net Income		533		501		547		603		553
	Noncontrolling interests			4		10		22		15		4
	Preferred stock dividends			37		37		37		37		37
		Net income available to common shareholders	$	492	$	454	$	488	$	551	$	512
Earnings Per Common Share
		Basic	$	0.64	$	0.63	$	0.68	$	0.77	$	0.71
		Diluted		0.64		0.62		0.67		0.75		0.70
Weighted Average Shares Outstanding
		Basic		764,435		724,880		721,639		720,418		720,117
		Diluted		774,023		734,527		731,511		730,652		729,989

4

BB&T Corporation
Lines of Business Financial Performance - Five Quarter Trend (1)
(Dollars in millions)
			Quarter Ended
Community Banking			Sept. 30		June 30		March 31		Dec. 31		Sept. 30
			2015		2015		2015		2014		2014
Net interest income (expense)			$	450	$	432	$	426	$	435	$	437
Net intersegment interest income (expense)				322		305		283		295		296
	Segment net interest income			772		737		709		730		733
Allocated provision (benefit) for credit losses				4		11		13		20		52
Noninterest income				304		290		271		296		308
Intersegment net referral fees (expense)				35		39		31		33		31
Noninterest expense				380		372		357		336		355
Amortization of intangibles				5		7		6		7		7
Allocated corporate expenses				305		306		305		300		299
	Income (loss) before income taxes			417		370		330		396		359
	Provision (benefit) for income taxes			153		136		120		145		131
		Segment net income (loss)	$	264	$	234	$	210	$	251	$	228
Identifiable assets (period end)			$	57,494	$	56,911	$	55,277	$	55,495	$	55,115
			Quarter Ended
Residential Mortgage Banking			Sept. 30		June 30		March 31		Dec. 31		Sept. 30
			2015		2015		2015		2014		2014
Net interest income (expense)			$	337	$	343	$	341	$	357	$	373
Net intersegment interest income (expense)				(221)		(227)		(232)		(237)		(246)
	Segment net interest income			116		116		109		120		127
Allocated provision (benefit) for credit losses				7		3		(12)		(38)		(48)
Noninterest income				92		101		84		100		82
Intersegment net referral fees (expense)				1		―		―		1		1
Noninterest expense				83		75		79		104		107
Amortization of intangibles				―		―		―		―		―
Allocated corporate expenses				22		23		23		23		22
	Income (loss) before income taxes			97		116		103		132		129
	Provision (benefit) for income taxes			37		44		39		51		49
		Segment net income (loss)	$	60	$	72	$	64	$	81	$	80
Identifiable assets (period end)			$	32,973	$	34,218	$	34,323	$	34,463	$	35,778
			Quarter Ended
Dealer Financial Services			Sept. 30		June 30		March 31		Dec. 31		Sept. 30
			2015		2015		2015		2014		2014
Net interest income (expense)			$	217	$	216	$	213	$	214	$	212
Net intersegment interest income (expense)				(38)		(38)		(38)		(42)		(41)
	Segment net interest income			179		178		175		172		171
Allocated provision (benefit) for credit losses				67		48		61		80		53
Noninterest income				1		―		―		1		―
Intersegment net referral fees (expense)				―		―		―		―		―
Noninterest expense				34		41		32		30		28
Amortization of intangibles				―		―		―		―		―
Allocated corporate expenses				10		10		9		8		8
	Income (loss) before income taxes			69		79		73		55		82
	Provision (benefit) for income taxes			26		30		28		21		31
		Segment net income (loss)	$	43	$	49	$	45	$	34	$	51
Identifiable assets (period end)			$	13,611	$	13,906	$	14,012	$	12,821	$	12,514
			Quarter Ended
Specialized Lending			Sept. 30		June 30		March 31		Dec. 31		Sept. 30
			2015		2015		2015		2014		2014
Net interest income (expense)			$	159	$	154	$	147	$	148	$	149
Net intersegment interest income (expense)				(47)		(43)		(42)		(40)		(38)
	Segment net interest income			112		111		105		108		111
Allocated provision (benefit) for credit losses				9		7		19		13		4
Noninterest income				59		74		64		69		63
Intersegment net referral fees (expense)				―		―		―		―		―
Noninterest expense				63		65		59		59		55
Amortization of intangibles				1		1		1		2		1
Allocated corporate expenses				16		16		15		16		16
	Income (loss) before income taxes			82		96		75		87		98
	Provision (benefit) for income taxes			20		26		18		23		27
		Segment net income (loss)	$	62	$	70	$	57	$	64	$	71
Identifiable assets (period end)			$	19,251	$	19,561	$	18,661	$	18,218	$	17,536
(1)	Lines of business results are preliminary.

5

BB&T Corporation
Lines of Business Financial Performance - Five Quarter Trend (1)
(Dollars in millions)
			Quarter Ended
Insurance Services			Sept. 30		June 30		March 31		Dec. 31		Sept. 30
			2015		2015		2015		2014		2014
Net interest income (expense)			$	1	$	―	$	1	$	1	$	―
Net intersegment interest income (expense)				2		1		2		2		1
	Segment net interest income			3		1		3		3		1
Allocated provision (benefit) for credit losses				―		―		―		―		―
Noninterest income				353		425		442		421		387
Intersegment net referral fees (expense)				―		―		―		―		―
Noninterest expense				284		310		302		281		297
Amortization of intangibles				12		11		12		13		13
Allocated corporate expenses				25		25		25		29		21
	Income (loss) before income taxes			35		80		106		101		57
	Provision (benefit) for income taxes			14		27		34		36		21
		Segment net income (loss)	$	21	$	53	$	72	$	65	$	36
Identifiable assets (period end)			$	2,668	$	2,907	$	2,811	$	2,965	$	2,736
			Quarter Ended
Financial Services			Sept. 30		June 30		March 31		Dec. 31		Sept. 30
			2015		2015		2015		2014		2014
Net interest income (expense)			$	53	$	53	$	49	$	50	$	46
Net intersegment interest income (expense)				81		74		72		70		66
	Segment net interest income			134		127		121		120		112
Allocated provision (benefit) for credit losses				20		23		24		17		5
Noninterest income				225		212		201		219		189
Intersegment net referral fees (expense)				5		3		3		7		4
Noninterest expense				176		176		161		171		156
Amortization of intangibles				1		―		1		―		1
Allocated corporate expenses				34		34		33		31		32
	Income (loss) before income taxes			133		109		106		127		111
	Provision (benefit) for income taxes			50		41		40		48		42
		Segment net income (loss)	$	83	$	68	$	66	$	79	$	69
Identifiable assets (period end)			$	15,436	$	14,486	$	14,012	$	12,849	$	12,033
			Quarter Ended
Other, Treasury & Corporate (2)(3)			Sept. 30		June 30		March 31		Dec. 31		Sept. 30
			2015		2015		2015		2014		2014
Net interest income (expense)			$	247	$	114	$	135	$	130	$	132
Net intersegment interest income (expense)				(99)		(72)		(45)		(48)		(38)
	Segment net interest income			148		42		90		82		94
Allocated provision (benefit) for credit losses				(4)		5		(6)		(9)		(32)
Noninterest income				(46)		(83)		(65)		(84)		(80)
Intersegment net referral fees (expense)				(41)		(42)		(34)		(41)		(36)
Noninterest expense				545		591		411		391		518
Amortization of intangibles				10		4		1		―		1
Allocated corporate expenses				(412)		(414)		(410)		(407)		(398)
	Income (loss) before income taxes			(78)		(269)		(5)		(18)		(111)
	Provision (benefit) for income taxes			(78)		(224)		(38)		(47)		(129)
		Segment net income (loss)	$	―	$	(45)	$	33	$	29	$	18
Identifiable assets (period end)			$	67,376	$	49,028	$	50,132	$	50,023	$	51,333
			Quarter Ended
Total BB&T Corporation			Sept. 30		June 30		March 31		Dec. 31		Sept. 30
			2015		2015		2015		2014		2014
Net interest income (expense)			$	1,464	$	1,312	$	1,312	$	1,335	$	1,349
Net intersegment interest income (expense)				―		―		―		―		―
	Segment net interest income			1,464		1,312		1,312		1,335		1,349
Allocated provision (benefit) for credit losses				103		97		99		83		34
Noninterest income				988		1,019		997		1,022		949
Intersegment net referral fees (expense)				―		―		―		―		―
Noninterest expense				1,565		1,630		1,401		1,372		1,516
Amortization of intangibles				29		23		21		22		23
Allocated corporate expenses				―		―		―		―		―
	Income (loss) before income taxes			755		581		788		880		725
	Provision (benefit) for income taxes			222		80		241		277		172
		Segment net income (loss)	$	533	$	501	$	547	$	603	$	553
Identifiable assets (period end)			$	208,809	$	191,017	$	189,228	$	186,834	$	187,045
(1)	Lines of business results are preliminary.
(2)	Includes financial data from subsidiaries below the quantitative and qualitative thresholds requiring disclosure.
(3)	Includes financial data related to Susquehanna Bancshares, Inc. until the completion of the systems conversion, which is expected to occur during the fourth quarter of 2015.

6

BB&T Corporation
Consolidated Balance Sheets
(Dollars in millions)
				As of September 30				Change
				2015		2014		$		%
Assets
	Cash and due from banks			$	1,538	$	1,439	$	99	6.9	%
	Interest-bearing deposits with banks				1,115		437		678	155.1
	Federal funds sold and securities purchased under
		resale agreements or similar arrangements			127		141		(14)	(9.9)
	Restricted cash				578		292		286	97.9
	Securities available for sale at fair value				24,249		21,174		3,075	14.5
	Securities held to maturity				19,245		20,717		(1,472)	(7.1)
	Loans and leases:
		Commercial:
			Commercial and industrial		48,095		40,048		8,047	20.1
			Commercial real estate—income producing properties		13,313		10,662		2,651	24.9
			Commercial real estate—construction and development		3,807		2,733		1,074	39.3
			Dealer floor plan		1,093		1,005		88	8.8
		Direct retail lending			10,626		8,042		2,584	32.1
		Sales finance			10,772		9,264		1,508	16.3
		Revolving credit			2,429		2,414		15	0.6
		Residential mortgage			31,070		31,813		(743)	(2.3)
		Other lending subsidiaries			13,235		11,283		1,952	17.3
		Acquired from FDIC and PCI			1,075		1,425		(350)	(24.6)
			Total loans and leases held for investment		135,515		118,689		16,826	14.2
		Loans held for sale			1,452		2,001		(549)	(27.4)
			Total loans and leases		136,967		120,690		16,277	13.5
	Allowance for loan and lease losses				(1,458)		(1,504)		46	(3.1)
	Premises and equipment				2,038		1,842		196	10.6
	Goodwill				8,498		6,869		1,629	23.7
	Core deposit and other intangible assets				700		527		173	32.8
	Residential mortgage servicing rights at fair value				848		943		(95)	(10.1)
	Other assets				14,364		13,478		886	6.6
		Total assets		$	208,809	$	187,045	$	21,764	11.6	%
Liabilities and Shareholders' Equity
	Deposits:
		Noninterest-bearing deposits		$	44,700	$	38,576	$	6,124	15.9	%
		Interest checking			23,574		18,640		4,934	26.5
		Money market and savings			61,689		50,845		10,844	21.3
		Time deposits			17,864		22,834		(4,970)	(21.8)
			Total deposits		147,827		130,895		16,932	12.9
	Short-term borrowings				2,581		3,385		(804)	(23.8)
	Long-term debt				24,883		22,355		2,528	11.3
	Other liabilities				6,254		6,139		115	1.9
		Total liabilities			181,545		162,774		18,771	11.5
	Shareholders' equity:
		Preferred stock			2,603		2,603		―	―
		Common stock			3,901		3,601		300	8.3
		Additional paid-in capital			8,344		6,494		1,850	28.5
		Retained earnings			13,172		11,939		1,233	10.3
		Accumulated other comprehensive loss			(796)		(442)		(354)	80.1
		Noncontrolling interests			40		76		(36)	(47.4)
			Total shareholders' equity		27,264		24,271		2,993	12.3
			Total liabilities and shareholders' equity	$	208,809	$	187,045	$	21,764	11.6	%

7

BB&T Corporation
Consolidated Balance Sheets - Five Quarter Trend
(Dollars in millions)
				As of
				Sept. 30		June 30		March 31		Dec. 31		Sept. 30
				2015		2015		2015		2014		2014
Assets
	Cash and due from banks			$	1,538	$	1,607	$	1,452	$	1,639	$	1,439
	Interest-bearing deposits with banks				1,115		824		325		529		437
	Federal funds sold and securities purchased under
		resale agreements or similar arrangements			127		190		222		157		141
	Restricted cash				578		379		513		374		292
	Securities available for sale at fair value				24,249		21,183		21,674		20,907		21,174
	Securities held to maturity				19,245		19,437		20,415		20,240		20,717
	Loans and leases:
		Commercial:
			Commercial and industrial		48,095		43,607		42,294		41,454		40,048
			Commercial real estate—income producing properties		13,313		11,132		10,719		10,722		10,662
			Commercial real estate—construction and development		3,807		2,874		2,655		2,735		2,733
			Dealer floor plan		1,093		1,066		1,008		1,091		1,005
		Direct retail lending			10,626		8,675		8,288		8,146		8,042
		Sales finance			10,772		9,427		9,605		9,509		9,264
		Revolving credit			2,429		2,407		2,390		2,460		2,414
		Residential mortgage			31,070		30,054		30,533		31,090		31,813
		Other lending subsidiaries			13,235		12,067		11,304		11,462		11,283
		Acquired from FDIC and PCI			1,075		992		1,110		1,215		1,425
			Total loans and leases held for investment		135,515		122,301		119,906		119,884		118,689
		Loans held for sale			1,452		2,469		2,121		1,423		2,001
			Total loans and leases		136,967		124,770		122,027		121,307		120,690
	Allowance for loan and lease losses				(1,458)		(1,457)		(1,464)		(1,474)		(1,504)
	Premises and equipment				2,038		1,900		1,879		1,827		1,842
	Goodwill				8,498		7,141		6,950		6,869		6,869
	Core deposit and other intangible assets				700		514		530		505		527
	Residential mortgage servicing rights at fair value				848		912		764		844		943
	Other assets				14,364		13,617		13,941		13,110		13,478
		Total assets		$	208,809	$	191,017	$	189,228	$	186,834	$	187,045
Liabilities and Shareholders' Equity
	Deposits:
		Noninterest-bearing deposits		$	44,700	$	42,234	$	41,414	$	38,786	$	38,576
		Interest checking			23,574		20,843		21,070		20,262		18,640
		Money market and savings			61,689		55,269		53,198		50,604		50,845
		Time deposits			17,864		14,437		15,547		19,388		22,834
			Total deposits		147,827		132,783		131,229		129,040		130,895
	Short-term borrowings				2,581		3,883		3,130		3,717		3,385
	Long-term debt				24,883		23,271		23,437		23,312		22,355
	Other liabilities				6,254		5,948		6,694		6,388		6,139
		Total liabilities			181,545		165,885		164,490		162,457		162,774
	Shareholders' equity:
		Preferred stock			2,603		2,603		2,603		2,603		2,603
		Common stock			3,901		3,667		3,616		3,603		3,601
		Additional paid-in capital			8,344		6,667		6,524		6,517		6,494
		Retained earnings			13,172		12,891		12,632		12,317		11,939
		Accumulated other comprehensive loss			(796)		(748)		(733)		(751)		(442)
		Noncontrolling interests			40		52		96		88		76
			Total shareholders' equity		27,264		25,132		24,738		24,377		24,271
			Total liabilities and shareholders' equity	$	208,809	$	191,017	$	189,228	$	186,834	$	187,045

8

BB&T Corporation
Average Balance Sheets
(Dollars in millions)
					Quarter Ended								Year-to-Date
					September 30				Change				September 30				Change
					2015		2014		$		%		2015		2014		$		%
Assets
	Securities, at amortized cost (1):
		U.S. Treasury			$	2,745	$	2,183	$	562	25.7	%	$	2,602	$	1,918	$	684	35.7	%
		U.S. government-sponsored entities (GSE)				5,395		5,465		(70)	(1.3)			5,396		5,557		(161)	(2.9)
		Mortgage-backed securities issued by GSE				31,329		29,340		1,989	6.8			30,090		29,436		654	2.2
		States and political subdivisions				1,975		1,825		150	8.2			1,878		1,830		48	2.6
		Non-agency mortgage-backed				211		242		(31)	(12.8)			220		250		(30)	(12.0)
		Other				579		592		(13)	(2.2)			615		511		104	20.4
		Acquired from FDIC				814		919		(105)	(11.4)			842		946		(104)	(11.0)
			Total securities			43,048		40,566		2,482	6.1			41,643		40,448		1,195	3.0
	Other earning assets					2,917		1,842		1,075	58.4			2,524		1,898		626	33.0
	Loans and leases:
		Commercial:
			Commercial and industrial			46,462		39,906		6,556	16.4			43,502		39,251		4,251	10.8
			CRE—income producing properties			12,514		10,596		1,918	18.1			11,315		10,425		890	8.5
			CRE—construction and development			3,502		2,670		832	31.2			3,003		2,565		438	17.1
			Dealer floor plan			1,056		1,000		56	5.6			1,035		962		73	7.6
		Direct retail lending (2)				9,926		7,912		2,014	25.5			8,862		8,304		558	6.7
		Sales finance				10,386		9,313		1,073	11.5			9,788		8,964		824	9.2
		Revolving credit				2,421		2,396		25	1.0			2,390		2,372		18	0.8
		Residential mortgage (2)				30,384		32,000		(1,616)	(5.1)			30,224		31,690		(1,466)	(4.6)
		Other lending subsidiaries				12,837		11,234		1,603	14.3			11,958		10,678		1,280	12.0
		Acquired from FDIC and PCI				1,052		1,537		(485)	(31.6)			1,087		1,715		(628)	(36.6)
			Total loans and leases held for investment			130,540		118,564		11,976	10.1			123,164		116,926		6,238	5.3
		Loans held for sale				1,959		1,907		52	2.7			1,811		1,540		271	17.6
			Total loans and leases			132,499		120,471		12,028	10.0			124,975		118,466		6,509	5.5
				Total earning assets		178,464		162,879		15,585	9.6			169,142		160,812		8,330	5.2
	Nonearning assets					25,067		23,460		1,607	6.8			24,204		23,823		381	1.6
	Total assets				$	203,531	$	186,339	$	17,192	9.2	%	$	193,346	$	184,635	$	8,711	4.7	%
Liabilities and Shareholders' Equity
	Deposits:
		Noninterest-bearing deposits			$	44,153	$	38,103	$	6,050	15.9	%	$	41,802	$	36,720	$	5,082	13.8	%
		Interest checking				22,593		18,588		4,005	21.5			21,396		18,536		2,860	15.4
		Money market and savings				59,306		49,974		9,332	18.7			54,962		49,240		5,722	11.6
		Time deposits				16,837		23,304		(6,467)	(27.8)			16,212		23,421		(7,209)	(30.8)
		Foreign office deposits - interest-bearing				948		639		309	48.4			759		743		16	2.2
			Total deposits			143,837		130,608		13,229	10.1			135,131		128,660		6,471	5.0
	Short-term borrowings					3,572		3,321		251	7.6			3,397		3,531		(134)	(3.8)
	Long-term debt					23,394		22,069		1,325	6.0			23,019		22,234		785	3.5
	Other liabilities					6,116		6,190		(74)	(1.2)			6,436		6,465		(29)	(0.4)
		Total liabilities				176,919		162,188		14,731	9.1			167,983		160,890		7,093	4.4
		Shareholders' equity				26,612		24,151		2,461	10.2			25,363		23,745		1,618	6.8
	Total liabilities and shareholders' equity				$	203,531	$	186,339	$	17,192	9.2	%	$	193,346	$	184,635	$	8,711	4.7	%
Average balances exclude basis adjustments for fair value hedges.
(1)	Excludes trading securities.
(2)	During the first quarter of 2014, $8.3 billion of loans were transferred from direct retail lending to residential mortgage.

9

BB&T Corporation
Average Balance Sheets - Five Quarter Trend
(Dollars in millions)
					Quarter Ended
					Sept. 30		June 30		March 31		Dec. 31		Sept. 30
					2015		2015		2015		2014		2014
Assets
	Securities, at amortized cost (1):
		U.S. Treasury			$	2,745	$	2,561	$	2,497	$	2,118	$	2,183
		U.S. government-sponsored entities (GSE)				5,395		5,400		5,394		5,394		5,465
		Mortgage-backed securities issued by GSE				31,329		29,245		29,679		29,706		29,340
		States and political subdivisions				1,975		1,834		1,823		1,818		1,825
		Non-agency mortgage-backed				211		220		228		235		242
		Other				579		623		643		654		592
		Acquired from FDIC				814		844		869		892		919
			Total securities			43,048		40,727		41,133		40,817		40,566
	Other earning assets					2,917		2,645		1,999		1,830		1,842
	Loans and leases:
		Commercial:
			Commercial and industrial			46,462		42,541		41,448		40,383		39,906
			Commercial real estate—income producing properties			12,514		10,730		10,680		10,681		10,596
			Commercial real estate—construction and development			3,502		2,767		2,734		2,772		2,670
			Dealer floor plan			1,056		1,010		1,040		1,053		1,000
		Direct retail lending				9,926		8,449		8,191		8,085		7,912
		Sales finance				10,386		9,507		9,458		9,194		9,313
		Revolving credit				2,421		2,365		2,385		2,427		2,396
		Residential mortgage				30,384		29,862		30,427		31,046		32,000
		Other lending subsidiaries				12,837		11,701		11,318		11,351		11,234
		Acquired from FDIC and PCI				1,052		1,055		1,156		1,309		1,537
			Total loans and leases held for investment			130,540		119,987		118,837		118,301		118,564
		Loans held for sale				1,959		2,069		1,398		1,611		1,907
			Total loans and leases			132,499		122,056		120,235		119,912		120,471
				Total earning assets		178,464		165,428		163,367		162,559		162,879
	Nonearning assets					25,067		23,605		23,930		23,903		23,460
	Total assets				$	203,531	$	189,033	$	187,297	$	186,462	$	186,339
Liabilities and Shareholders' Equity
	Deposits:
		Noninterest-bearing deposits			$	44,153	$	41,502	$	39,701	$	39,130	$	38,103
		Interest checking				22,593		20,950		20,623		19,308		18,588
		Money market and savings				59,306		53,852		51,644		51,176		49,974
		Time deposits				16,837		14,800		17,000		20,041		23,304
		Foreign office deposits - interest-bearing				948		764		563		660		639
			Total deposits			143,837		131,868		129,531		130,315		130,608
	Short-term borrowings					3,572		3,080		3,539		3,095		3,321
	Long-term debt					23,394		22,616		23,043		22,139		22,069
	Other liabilities					6,116		6,581		6,618		6,339		6,190
		Total liabilities				176,919		164,145		162,731		161,888		162,188
	Shareholders' equity					26,612		24,888		24,566		24,574		24,151
	Total liabilities and shareholders' equity				$	203,531	$	189,033	$	187,297	$	186,462	$	186,339
Average balances exclude basis adjustments for fair value hedges.
(1)	Excludes trading securities.

10

BB&T Corporation
Average Balances and Rates - Quarters
(Dollars in millions)
					Quarter Ended
					September 30, 2015						June 30, 2015
					(1)		Interest		(2)		(1)		Interest		(2)
					Average		Income/		Yields/		Average		Income/		Yields/
					Balances		Expense		Rates		Balances		Expense		Rates
Assets
	Securities, at amortized cost (3):
		U.S. Treasury			$	2,745	$	11	1.60	%	$	2,561	$	10	1.56	%
		U.S. government-sponsored entities (GSE)				5,395		29	2.13			5,400		28	2.13
		Mortgage-backed securities issued by GSE				31,329		147	1.89			29,245		149	2.05
		States and political subdivisions				1,975		27	5.49			1,834		27	5.80
		Non-agency mortgage-backed				211		4	8.45			220		5	7.88
		Other				579		3	1.42			623		2	1.11
		Acquired from FDIC				814		24	11.57			844		24	11.36
			Total securities			43,048		245	2.27			40,727		245	2.41
	Other earning assets					2,917		7	0.97			2,645		7	1.19
	Loans and leases:
		Commercial:
			Commercial and industrial			46,462		386	3.30			42,541		335	3.15
			Commercial real estate—income producing properties			12,514		118	3.74			10,730		90	3.37
			Commercial real estate—construction and development			3,502		33	3.73			2,767		23	3.31
			Dealer floor plan			1,056		4	1.91			1,010		5	1.81
		Direct retail lending				9,926		105	4.18			8,449		86	4.04
		Sales finance				10,386		83	3.14			9,507		64	2.70
		Revolving credit				2,421		53	8.70			2,365		51	8.68
		Residential mortgage				30,384		319	4.18			29,862		308	4.14
		Other lending subsidiaries				12,837		276	8.56			11,701		255	8.72
		Acquired from FDIC and PCI				1,052		40	14.87			1,055		38	14.66
			Total loans and leases held for investment			130,540		1,417	4.31			119,987		1,255	4.19
		Loans held for sale				1,959		18	3.75			2,069		18	3.48
			Total loans and leases			132,499		1,435	4.31			122,056		1,273	4.18
				Total earning assets		178,464		1,687	3.76			165,428		1,525	3.69
	Nonearning assets					25,067						23,605
	Total assets				$	203,531					$	189,033
Liabilities and Shareholders' Equity
	Interest-bearing deposits:
		Interest checking			$	22,593		4	0.08		$	20,950		4	0.08
		Money market and savings				59,306		30	0.20			53,852		23	0.18
		Time deposits				16,837		26	0.61			14,800		28	0.72
		Foreign office deposits - interest-bearing				948		1	0.13			764		―	0.09
			Total interest-bearing deposits			99,684		61	0.24			90,366		55	0.24
	Short-term borrowings					3,572		2	0.15			3,080		1	0.16
	Long-term debt					23,394		123	2.12			22,616		121	2.14
		Total interest-bearing liabilities				126,650		186	0.59			116,062		177	0.61
	Noninterest-bearing deposits					44,153						41,502
	Other liabilities					6,116						6,581
	Shareholders' equity					26,612						24,888
	Total liabilities and shareholders' equity				$	203,531					$	189,033
	Average interest-rate spread								3.17						3.08
	Net interest income/ net interest margin						$	1,501	3.35	%			$	1,348	3.27	%
	Taxable-equivalent adjustment						$	37					$	36
Applicable ratios are annualized.
(1)	Excludes basis adjustments for fair value hedges.
(2)	Yields are on a fully taxable-equivalent basis.
(3)	Excludes trading securities.

11

BB&T Corporation
Average Balances and Rates - Quarters
(Dollars in millions)
					Quarter Ended
					March 31, 2015						December 31, 2014						September 30, 2014
					(1)		Interest		(2)		(1)		Interest		(2)		(1)		Interest		(2)
					Average		Income/		Yields/		Average		Income/		Yields/		Average		Income/		Yields/
					Balances		Expense		Rates		Balances		Expense		Rates		Balances		Expense		Rates
Assets
	Securities, at amortized cost (3):
		U.S. Treasury			$	2,497	$	9	1.49	%	$	2,118	$	9	1.54	%	$	2,183	$	8	1.48	%
		U.S. government-sponsored entities (GSE)				5,394		29	2.13			5,394		29	2.13			5,465		29	2.12
		Mortgage-backed securities issued by GSE				29,679		153	2.04			29,706		148	2.01			29,340		145	1.98
		States and political subdivisions				1,823		26	5.80			1,818		27	5.81			1,825		26	5.78
		Non-agency mortgage-backed				228		4	7.87			235		5	7.81			242		5	7.77
		Other				643		2	1.39			654		2	1.42			592		2	1.33
		Acquired from FDIC				869		31	14.46			892		31	13.77			919		31	13.24
			Total securities			41,133		254	2.47			40,817		251	2.45			40,566		246	2.43
	Other earning assets					1,999		16	3.13			1,830		9	1.92			1,842		8	1.71
	Loans and leases:
		Commercial:
			Commercial and industrial			41,448		326	3.19			40,383		332	3.27			39,906		336	3.35
			CRE—income producing properties			10,680		89	3.39			10,681		93	3.43			10,596		92	3.44
			CRE—construction and development			2,734		22	3.32			2,772		24	3.38			2,670		23	3.46
			Dealer floor plan			1,040		5	1.80			1,053		5	1.83			1,000		5	1.86
		Direct retail lending				8,191		82	4.08			8,085		78	3.89			7,912		81	3.98
		Sales finance				9,458		63	2.72			9,194		64	2.77			9,313		64	2.75
		Revolving credit				2,385		52	8.85			2,427		54	8.72			2,396		52	8.67
		Residential mortgage				30,427		312	4.11			31,046		324	4.17			32,000		334	4.16
		Other lending subsidiaries				11,318		249	8.92			11,351		252	8.81			11,234		251	8.88
		Acquired from FDIC and PCI				1,156		45	15.85			1,309		52	15.93			1,537		67	17.12
			Total loans and leases held for investment			118,837		1,245	4.24			118,301		1,278	4.30			118,564		1,305	4.37
		Loans held for sale				1,398		13	3.61			1,611		16	3.91			1,907		19	4.23
			Total loans and leases			120,235		1,258	4.23			119,912		1,294	4.29			120,471		1,324	4.37
				Total earning assets		163,367		1,528	3.77			162,559		1,554	3.80			162,879		1,578	3.85
	Nonearning assets					23,930						23,903						23,460
	Total assets				$	187,297					$	186,462					$	186,339
Liabilities and Shareholders' Equity
	Interest-bearing deposits:
		Interest checking			$	20,623		4	0.07		$	19,308		4	0.07		$	18,588		3	0.07
		Money market and savings				51,644		22	0.17			51,176		21	0.17			49,974		20	0.16
		Time deposits				17,000		29	0.71			20,041		32	0.66			23,304		38	0.64
		Foreign office deposits - interest-bearing				563		―	0.08			660		1	0.08			639		―	0.07
			Total interest-bearing deposits			89,830		55	0.25			91,185		58	0.25			92,505		61	0.26
	Short-term borrowings					3,539		1	0.11			3,095		1	0.14			3,321		2	0.14
	Long-term debt					23,043		125	2.18			22,139		124	2.22			22,069		130	2.36
		Total interest-bearing liabilities				116,412		181	0.63			116,419		183	0.62			117,895		193	0.65
	Noninterest-bearing deposits					39,701						39,130						38,103
	Other liabilities					6,618						6,339						6,190
	Shareholders' equity					24,566						24,574						24,151
	Total liabilities and shareholders' equity				$	187,297					$	186,462					$	186,339
	Average interest-rate spread								3.14						3.18						3.20
	Net interest income/ net interest margin						$	1,347	3.33	%			$	1,371	3.36	%			$	1,385	3.38	%
	Taxable-equivalent adjustment						$	35					$	36					$	36
Applicable ratios are annualized.
(1)	Excludes basis adjustments for fair value hedges.
(2)	Yields are on a fully taxable-equivalent basis.
(3)	Excludes trading securities.

12

BB&T Corporation
Average Balances and Rates - Year-To-Date
(Dollars in millions)
					Year-to-Date
					September 30, 2015						September 30, 2014
					(1)		Interest		(2)		(1)		Interest		(2)
					Average		Income/		Yields/		Average		Income/		Yields/
					Balances		Expense		Rates		Balances		Expense		Rates
Assets
	Securities, at amortized cost (3):
		U.S. Treasury			$	2,602	$	30	1.55	%	$	1,918	$	21	1.49	%
		U.S. government-sponsored entities (GSE)				5,396		86	2.13			5,557		87	2.09
		Mortgage-backed securities issued by GSE				30,090		449	1.99			29,436		441	2.00
		States and political subdivisions				1,878		80	5.69			1,830		79	5.78
		Non-agency mortgage-backed				220		13	8.06			250		14	7.46
		Other				615		7	1.30			511		6	1.44
		Acquired from FDIC				842		79	12.49			946		94	13.22
			Total securities			41,643		744	2.38			40,448		742	2.45
	Other earning assets					2,524		30	1.61			1,898		31	2.20
	Loans and leases:
		Commercial:
			Commercial and industrial			43,502		1,047	3.22			39,251		993	3.38
			CRE—income producing properties			11,315		297	3.51			10,425		273	3.50
			CRE—construction and development			3,003		78	3.48			2,565		68	3.55
			Dealer floor plan			1,035		14	1.84			962		14	1.88
		Direct retail lending (4)				8,862		273	4.11			8,304		260	4.17
		Sales finance				9,788		210	2.86			8,964		188	2.81
		Revolving credit				2,390		156	8.74			2,372		154	8.69
		Residential mortgage (4)				30,224		939	4.14			31,690		1,001	4.21
		Other lending subsidiaries				11,958		780	8.72			10,678		733	9.17
		Acquired from FDIC and PCI				1,087		123	15.15			1,715		226	17.55
			Total loans and leases held for investment			123,164		3,917	4.25			116,926		3,910	4.47
		Loans held for sale				1,811		49	3.61			1,540		49	4.28
			Total loans and leases			124,975		3,966	4.24			118,466		3,959	4.46
				Total earning assets		169,142		4,740	3.74			160,812		4,732	3.93
	Nonearning assets					24,204						23,823
	Total assets				$	193,346					$	184,635
Liabilities and Shareholders' Equity
	Interest-bearing deposits:
		Interest checking			$	21,396		12	0.08		$	18,536		9	0.07
		Money market and savings				54,962		75	0.18			49,240		53	0.14
		Time deposits				16,212		83	0.68			23,421		119	0.68
		Foreign office deposits - interest-bearing				759		1	0.11			743		―	0.07
			Total interest-bearing deposits			93,329		171	0.24			91,940		181	0.26
	Short-term borrowings					3,397		4	0.14			3,531		4	0.13
	Long-term debt					23,019		369	2.14			22,234		401	2.41
		Total interest-bearing liabilities				119,745		544	0.61			117,705		586	0.66
	Noninterest-bearing deposits					41,802						36,720
	Other liabilities					6,436						6,465
	Shareholders' equity					25,363						23,745
	Total liabilities and shareholders' equity				$	193,346					$	184,635
	Average interest-rate spread								3.13						3.27
	Net interest income/ net interest margin						$	4,196	3.31	%			$	4,146	3.44	%
	Taxable-equivalent adjustment						$	108					$	107
Applicable ratios are annualized.
(1)	Excludes basis adjustments for fair value hedges.
(2)	Yields are on a fully taxable-equivalent basis.
(3)	Excludes trading securities.
(4)	During the first quarter of 2014, $8.3 billion of loans were transferred from direct retail lending to residential mortgage.

13

BB&T Corporation
Credit Quality
(Dollars in millions)
				As of
				Sept. 30		June 30		March 31		Dec. 31		Sept. 30
				2015		2015		2015		2014		2014
Nonperforming assets (1)
	Nonaccrual loans and leases:
		Commercial:
			Commercial and industrial	$	211	$	198	$	230	$	239	$	259
			Commercial real estate—income producing properties		45		59		63		74		81
			Commercial real estate—construction and development		24		16		18		26		37
			Dealer floor plan		7		7		―		―		―
		Direct retail lending			39		41		47		48		50
		Sales finance			6		6		7		5		5
		Residential mortgage (2)			196		188		183		166		298
		Other lending subsidiaries			57		57		51		58		54
			Total nonaccrual loans and leases held for investment (2)		585		572		599		616		784
	Foreclosed real estate				85		86		90		87		75
	Foreclosed real estate-acquired from FDIC and PCI				45		47		53		56		56
	Other foreclosed property				29		24		23		23		24
			Total nonperforming assets (1)(2)	$	744	$	729	$	765	$	782	$	939
Performing troubled debt restructurings (TDRs) (3)
		Commercial:
			Commercial and industrial	$	54	$	75	$	54	$	64	$	90
			Commercial real estate—income producing properties		12		21		15		27		25
			Commercial real estate—construction and development		14		23		25		30		28
		Direct retail lending			75		81		84		84		89
		Sales finance			18		18		18		19		20
		Revolving credit			34		36		38		41		44
		Residential mortgage—nonguaranteed (4)			275		273		269		261		254
		Residential mortgage—government guaranteed			321		328		325		360		437
		Other lending subsidiaries			173		172		168		164		151
			Total performing TDRs (3)(4)	$	976	$	1,027	$	996	$	1,050	$	1,138
Loans 90 days or more past due and still accruing
		Direct retail lending		$	12	$	10	$	9	$	12	$	13
		Sales finance			4		4		3		5		5
		Revolving credit			9		9		10		9		10
		Residential mortgage—nonguaranteed			61		60		59		83		79
		Residential mortgage—government guaranteed (5)			128		154		157		238		232
		Acquired from FDIC and PCI			302		124		154		188		229
			Total loans 90 days past due and still accruing (5)	$	516	$	361	$	392	$	535	$	568
Loans 30-89 days past due
		Commercial:
			Commercial and industrial	$	26	$	16	$	20	$	23	$	19
			Commercial real estate—income producing properties		6		4		7		4		5
			Commercial real estate—construction and development		2		3		2		1		1
		Direct retail lending			46		41		40		41		40
		Sales finance			63		53		49		62		55
		Revolving credit			20		19		19		23		22
		Residential mortgage—nonguaranteed			368		362		356		392		424
		Residential mortgage—government guaranteed (6)			73		74		68		80		95
		Other lending subsidiaries			274		230		151		237		217
		Acquired from FDIC and PCI			27		31		47		33		41
			Total loans 30-89 days past due (6)	$	905	$	833	$	759	$	896	$	919
Excludes loans held for sale.
(1)	Loans acquired from the FDIC and PCI are accounted for using the accretion method.
(2)	During the fourth quarter of 2014, approximately $121 million of nonaccrual residential mortgage loans were sold.
(3)	Excludes TDRs that are nonperforming totaling $154 million, $127 million, $127 million, $126 million, and $207 million at September 30, 2015, June 30, 2015, March 31, 2015, December 31, 2014 and September 30, 2014, respectively. These amounts are included in total nonperforming assets.
(4)	During the third quarter of 2014, approximately $540 million of performing residential mortgage TDRs were sold.
(5)	Excludes government guaranteed GNMA mortgage loans that BB&T has the right but not the obligation to repurchase that are past due 90 days or more totaling $353 million, $338 million, $361 million, $410 million and $395 million at September 30, 2015, June 30, 2015, March 31, 2015, December 31, 2014 and September 30, 2014, respectively.
(6)	Excludes government guaranteed GNMA mortgage loans that BB&T has the right but not the obligation to repurchase that are past due 30-89 days totaling $3 million, $3 million, $2 million, $2 million and $4 million at September 30, 2015, June 30, 2015, March 31, 2015, December 31, 2014 and September 30, 2014, respectively.

14

BB&T Corporation
Credit Quality
(Dollars in millions)
				As of/For the Quarter Ended
				Sept. 30		June 30		March 31		Dec. 31		Sept. 30
				2015		2015		2015		2014		2014
Allowance for credit losses
	Beginning balance			$	1,535	$	1,532	$	1,534	$	1,567	$	1,675
	Provision for credit losses (excluding loans acquired from FDIC and PCI)				100		97		105		84		46
	Provision (benefit) for loans acquired from FDIC and PCI				3		―		(6)		(1)		(12)
	Charge-offs:
		Commercial:
			Commercial and industrial		(16)		(32)		(14)		(27)		(31)
			Commercial real estate—income producing properties		(4)		(4)		(9)		(4)		(8)
			Commercial real estate—construction and development		(1)		―		(2)		(2)		(2)
		Direct retail lending			(15)		(13)		(12)		(14)		(17)
		Sales finance			(5)		(5)		(6)		(7)		(5)
		Revolving credit			(17)		(19)		(18)		(18)		(17)
		Residential mortgage-nonguaranteed			(7)		(8)		(11)		(10)		(31)
		Residential mortgage-government guaranteed			(3)		(1)		―		―		(1)
		Other lending subsidiaries			(77)		(57)		(67)		(71)		(66)
		Acquired from FDIC and PCI			―		―		(1)		(14)		―
			Total charge-offs		(145)		(139)		(140)		(167)		(178)
	Recoveries:
		Commercial:
			Commercial and industrial		8		13		8		13		10
			Commercial real estate—income producing properties		3		1		2		7		2
			Commercial real estate—construction and development		3		2		4		4		2
		Direct retail lending			8		7		8		7		7
		Sales finance			2		2		3		2		2
		Revolving credit			5		5		5		5		4
		Residential mortgage-nonguaranteed			1		1		―		5		1
		Other lending subsidiaries			8		10		9		8		8
			Total recoveries		38		41		39		51		36
	Net charge-offs				(107)		(98)		(101)		(116)		(142)
	Other				20		4		―		―		―
	Ending balance			$	1,551	$	1,535	$	1,532	$	1,534	$	1,567
Allowance for credit losses
	Allowance for loan and lease losses (excluding loans acquired from the FDIC and PCI)			$	1,398	$	1,400	$	1,407	$	1,410	$	1,425
	Allowance for loans acquired from the FDIC and PCI				60		57		57		64		79
	Reserve for unfunded lending commitments				93		78		68		60		63
		Total		$	1,551	$	1,535	$	1,532	$	1,534	$	1,567
											As of/For the
											Nine Months Ended
											September 30
											2015		2014
Allowance for credit losses
	Beginning balance									$	1,534	$	1,821
	Provision for credit losses (excluding loans acquired from FDIC and PCI)										302		196
	Provision (benefit) for loans acquired from FDIC and PCI										(3)		(28)
	Charge-offs:
		Commercial:
			Commercial and industrial								(62)		(104)
			Commercial real estate—income producing properties								(17)		(27)
			Commercial real estate—construction and development								(3)		(9)
		Direct retail lending (1)									(40)		(55)
		Sales finance									(16)		(16)
		Revolving credit									(54)		(53)
		Residential mortgage-nonguaranteed (1)									(26)		(72)
		Residential mortgage-government guaranteed									(4)		(2)
		Other lending subsidiaries									(201)		(198)
		Acquired from FDIC and PCI									(1)		(7)
			Total charge-offs								(424)		(543)
	Recoveries:
		Commercial:
			Commercial and industrial								29		29
			Commercial real estate—income producing properties								6		7
			Commercial real estate—construction and development								9		15
		Direct retail lending (1)									23		22
		Sales finance									7		7
		Revolving credit									15		14
		Residential mortgage-nonguaranteed (1)									2		2
		Other lending subsidiaries									27		25
			Total recoveries								118		121
	Net charge-offs										(306)		(422)
	Other										24		―
	Ending balance									$	1,551	$	1,567
(1)	During the first quarter of 2014, $8.3 billion of loans were transferred from direct retail lending to residential mortgage.

15

BB&T Corporation
Credit Quality
			As of/For the Quarter Ended
			Sept. 30		June 30		March 31		Dec. 31		Sept. 30
			2015		2015		2015		2014		2014
Asset Quality Ratios (including acquired from FDIC and PCI)
	Loans 30-89 days past due and still accruing as a
		percentage of loans and leases (1)	0.67	%	0.68	%	0.63	%	0.75	%	0.77	%
	Loans 90 days or more past due and still accruing
		as a percentage of loans and leases (1)	0.38		0.29		0.33		0.45		0.48
	Nonperforming loans and leases as a
		percentage of loans and leases	0.43		0.47		0.50		0.51		0.66
	Nonperforming assets as a percentage of:
		Total assets	0.36		0.38		0.40		0.42		0.50
		Loans and leases plus foreclosed property	0.55		0.60		0.64		0.65		0.79
	Net charge-offs as a percentage of average loans and leases		0.32		0.33		0.34		0.39		0.48
	Allowance for loan and lease losses as a percentage of
		loans and leases	1.08		1.19		1.22		1.23		1.27
	Ratio of allowance for loan and lease losses to:
		Net charge-offs	3.44	X	3.71	X	3.60	X	3.21	X	2.67	X
		Nonperforming loans and leases	2.49		2.55		2.45		2.39		1.92
Asset Quality Ratios (excluding acquired from FDIC and PCI) (2)
	Loans 90 days or more past due and still accruing
		as a percentage of loans and leases (1)	0.16	%	0.19	%	0.20	%	0.29	%	0.29	%
									As of/For the
									Nine Months Ended
									September 30
									2015		2014
Asset Quality Ratios
	Including acquired from FDIC and PCI:
		Net charge-offs as a percentage of average loans and leases							0.33	%	0.48	%
		Ratio of allowance for loan and lease losses to net charge-offs							3.58	X	2.66	X
Applicable ratios are annualized. Loans and leases exclude loans held for sale.
(1)	Excludes government guaranteed GNMA mortgage loans that BB&T has the right but not the obligation to repurchase. Refer to the footnotes in the Credit Quality section of this supplement for amounts related to these loans. The prior quarters have been revised to include government guaranteed mortgage loans consistent with the current presentation.
(2)	These asset quality ratios have been adjusted to remove the impact of assets acquired from the FDIC and PCI.  Appropriate adjustments to the numerator and denominator have been reflected in the calculation of these ratios.  Management believes the inclusion of assets acquired from the FDIC and PCI in certain asset quality ratios results in distortion of these ratios and they may not be comparable to other periods presented or to other portfolios that were subject to different accounting requirements.

16

BB&T Corporation
Credit Quality - Supplemental Information
(Dollars in millions)
			As of September 30, 2015
										Past Due 30-89						Past Due 90+
			Current Status							Days						Days								Total
Performing TDRs: (1)
	Commercial:
		Commercial and industrial	$	53		98.1		%		$	1		1.9		%	$		―		―		%		$	54
		Commercial real estate—income producing properties		12		100.0					―		―					―		―					12
		Commercial real estate—construction and development		14		100.0					―		―					―		―					14
		Dealer floor plan		―		―					―		―					―		―					―
	Direct retail lending			73		97.3					2		2.7					―		―					75
	Sales finance			16		88.9					2		11.1					―		―					18
	Revolving credit			29		85.3					4		11.8					1		2.9					34
	Residential mortgage—nonguaranteed			224		81.5					43		15.6					8		2.9					275
	Residential mortgage—government guaranteed			180		56.1					62		19.3					79		24.6					321
	Other lending subsidiaries			142		82.1					31		17.9					―		―					173
		Total performing TDRs		743		76.1					145		14.9					88		9.0					976
Nonperforming TDRs (2)				70		45.5					15		9.7					69		44.8					154
		Total TDRs	$	813		71.9				$	160		14.2			$		157		13.9				$	1,130
					Quarter Ended
					Sept. 30				June 30					March 31					Dec. 31				Sept. 30
					2015				2015					2015					2014				2014
Net charge-offs as a percentage of average loans and leases:
	Commercial:
		Commercial and industrial			0.07		%		0.18			%		0.06			%		0.13		%		0.20			%
		Commercial real estate—income producing properties			0.03				0.11					0.28					(0.13)				0.24
		Commercial real estate—construction and development			(0.25)				(0.20)					(0.36)					(0.18)				(0.07)
		Dealer floor plan			-				-					-					-				-
	Direct retail lending				0.29				0.29					0.18					0.36				0.49
	Sales finance				0.12				0.11					0.14					0.21				0.13
	Revolving credit				1.88				2.24					2.32					2.27				1.94
	Residential mortgage				0.11				0.12					0.15					0.06				0.39
	Other lending subsidiaries				2.21				1.60					2.07					2.20				2.08
	Acquired from FDIC and PCI				0.19				-					0.10					4.19				0.13
		Total loans and leases			0.32				0.33					0.34					0.39				0.48
																			Year-to-date
																			Sept. 30				Sept. 30
																			2015				2014
Net charge-offs as a percentage of average loans and leases:
	Commercial:
		Commercial and industrial																	0.10		%		0.25			%
		Commercial real estate—income producing properties																	0.13				0.27
		Commercial real estate—construction and development																	(0.27)				(0.31)
		Dealer floor plan																	-				-
	Direct retail lending																		0.26				0.53
	Sales finance																		0.12				0.14
	Revolving credit																		2.14				2.17
	Residential mortgage																		0.13				0.30
	Other lending subsidiaries																		1.96				2.17
	Acquired from FDIC and PCI																		0.09				0.59
		Total loans and leases																	0.33				0.48
Applicable ratios are annualized.
(1)	Past due performing TDRs are included in past due disclosures.
(2)	Nonperforming TDRs are included in nonaccrual loan disclosures.

17

BB&T Corporation
Preliminary Capital Information - Five Quarter Trend
(Dollars in millions, except per share data, shares in thousands)
				As of / Quarter Ended
			Sept. 30			June 30			March 31			Dec. 31			Sept. 30
			2015			2015			2015			2014			2014
Selected Capital Information
	Risk-based capital:		Basel III									Basel I
		Common equity tier 1	$	16,819		$	16,031		$	15,755			N/A			N/A
		Tier 1		19,421			18,633			18,320		$	17,840		$	17,402
		Total		23,611			21,896			21,654			21,381			21,281
	Risk-weighted assets (1)			166,863			154,493			150,092			143,675			140,499
	Average quarterly tangible assets			195,622			182,444			180,790			179,785			179,268
	Risk-based capital ratios:
		Common equity tier 1		10.1	%		10.4	%		10.5	%		N/A			N/A
		Tier 1		11.6			12.1			12.2			12.4	%		12.4	%
		Total		14.1			14.2			14.4			14.9			15.1
	Leverage capital ratio			9.9			10.2			10.1			9.9			9.7
	Equity as a percentage of total assets			13.1			13.2			13.1			13.0			13.0
	Common equity per common share		$	31.56		$	30.64		$	30.48		$	30.09		$	29.98
Selected non-GAAP Capital Information (2)
	Tangible common equity as a percentage of tangible assets			7.7	%		8.1	%		8.0	%		8.0	%		7.9	%
	Tangible common equity per common share		$	19.77		$	20.21		$	20.13		$	19.86		$	19.71
Calculations of tangible common equity, tangible assets and related measures: (2)
Total shareholders' equity			$	27,264		$	25,132		$	24,738		$	24,377		$	24,271
Less:
	Preferred stock			2,603			2,603			2,603			2,603			2,603
	Noncontrolling interests			40			52			96			88			76
	Intangible assets			9,198			7,655			7,480			7,374			7,396
Tangible common equity			$	15,423		$	14,822		$	14,559		$	14,312		$	14,196
Total assets			$	208,809		$	191,017		$	189,228		$	186,834		$	187,045
Less:
	Intangible assets			9,198			7,655			7,480			7,374			7,396
Tangible assets			$	199,611		$	183,362		$	181,748		$	179,460		$	179,649
Tangible common equity as a percentage of tangible assets				7.7	%		8.1	%		8.0	%		8.0	%		7.9	%
Tangible common equity			$	15,423		$	14,822		$	14,559		$	14,312		$	14,196
Outstanding shares at end of period (in thousands)				780,150			733,481			723,159			720,698			720,298
Tangible common equity per common share			$	19.77		$	20.21		$	20.13		$	19.86		$	19.71
(1)	Risk-based capital, risk-weighted assets, leverage capital and related ratios for the first quarter of 2015 and later are determined in accordance with the Basel III Standardized Transitional Approach, which became effective January 1, 2015. Amounts and ratios for earlier periods were determined in accordance with Basel I.
(2)	Tangible common equity and related ratios are non-GAAP measures.  BB&T's management uses these measures to assess the quality of capital and believes that investors may find them useful in their analysis of the Corporation.  These capital measures are not necessarily comparable to similar capital measures that may be presented by other companies.

18

BB&T Corporation
Selected Items & Additional Information
(Dollars in millions, except per share data)
													Favorable (Unfavorable)
Selected Items													Pre-Tax			After-Tax
Third Quarter 2015
	None
Second Quarter 2015
	Gain on sale of American Coastal, excluding goodwill												$	23		$	15
	Allocation of non-deductible goodwill to American Coastal													(49)			(49)
		Net loss on sale of American Coastal		Other income										(26)			(34)
	Loss on early extinguishment of debt			Debt extinguishment charges										(172)			(107)
	Income tax adjustment			Provision for income taxes										N/A			107
First Quarter 2015
	None
Fourth Quarter 2014
	Mortgage reserve adjustments			Loan-related expense										(27)			(17)
	Franchise tax adjustment			Other expense										15			9
	Allowance release related to loan sale			Provision for credit losses										24			15
Third Quarter 2014
	Loss on early extinguishment of debt			Debt extinguishment charges										(122)			(76)
	Allowance release related to loan sale			Provision for credit losses										42			26
	Income tax adjustment			Provision for income taxes										N/A			50
Second Quarter 2014
	FHA-insured mortgage loan reserve adjustment			Other expense										(85)			(53)
	Mortgage loan indemnification reserve adjustment			Loan-related expense										(33)			(21)
	Income tax adjustment			Provision for income taxes										N/A			(14)
First Quarter 2014
	Reallocation of partnership profit rights			Noncontrolling interests										N/A			(16)
				As of / Quarter Ended
				Sept. 30			June 30			March 31			Dec. 31			Sept. 30
				2015			2015			2015			2014			2014
Selected Mortgage Banking Information
	Income statement impact of mortgage servicing rights valuation:
		MSRs fair value increase (decrease)		$	(89)		$	142		$	(71)		$	(105)		$	(20)
		MSRs hedge gains (losses)			94			(119)			81			123			23
			Net	$	5		$	23		$	10		$	18		$	3
	Residential mortgage loan originations			$	5,039		$	5,498		$	4,035		$	3,888		$	4,999
	Residential mortgage servicing portfolio (1):
		Loans serviced for others			90,446			89,235			89,192			90,230			89,936
		Bank-owned loans serviced			32,134			31,927			31,887			32,027			33,490
			Total servicing portfolio		122,580			121,162			121,079			122,257			123,426
	Weighted-average coupon rate				4.13	%		4.15	%		4.18	%		4.20	%		4.21	%
	Weighted-average servicing fee				0.287			0.289			0.291			0.292			0.293
Selected Miscellaneous Information
	Derivatives notional amount			$	72,978		$	76,205		$	77,592		$	72,321		$	63,467
	Fair value of derivatives, net				286			177			185			109			56
	Accumulated other comprehensive income related to securities,
		net of tax (2)			(51)			(148)			8			(99)			(220)
	Common stock prices:
		High			41.90			41.70			40.17			39.69			40.21
		Low			34.73			37.33			34.95			34.50			35.86
		End of period			35.60			40.31			38.99			38.89			37.21
	Banking offices				2,150			1,903			1,875			1,839			1,842
	ATMs				3,361			3,077			3,026			2,977			2,980
	FTEs (3)				35,002			32,598			32,109			32,265			32,866
										Quarter Ended						YTD Ended
										Dec. 31, 2014			Sept. 30, 2014			Sept. 30, 2014
Impact of Retrospective Adoption of New Accounting Guidance for Affordable Housing Investments
	Increase to other income									$	35		$	30		$	106
	Increase to provision for income taxes										41			38			120
		Increase (decrease) to net income									(6)			(8)			(14)
	Cumulative impact to retained earnings										(49)			(43)			(43)
(1)	Amounts reported are unpaid principal balance.
(2)	Includes the impact of the FDIC loss sharing agreements on the acquired securities.
(3)	Represents a quarterly average.

19

BB&T Corporation
Non-GAAP Reconciliations
(Dollars in millions, except per share data, shares in thousands)
			Quarter Ended
			Sept. 30			June 30			March 31			Dec. 31					Sept. 30
Efficiency and Fee Income Ratios (1)			2015			2015			2015			2014					2014
Efficiency ratio - GAAP			64.1	%		69.8	%		60.7	%		58.3		%			66.0		%
	Effect of securities gains (losses), net		―			―			―			―					(0.1)
	Effect of merger-related and restructuring charges, net		(3.1)			(1.1)			(0.5)			(0.7)					(0.3)
	Effect of loss on sale of American Coastal		―			(0.8)			―			―					―
	Effect of mortgage reserve adjustments		―			―			―			(1.1)					―
	Effect of loss on early extinguishment of debt		―			(7.1)			―			―					(5.1)
	Effect of franchise tax adjustment		―			―			―			0.6					―
	Effect of FDIC loss share accounting		―			(0.1)			(0.1)			(0.1)					(0.3)
	Effect of foreclosed property expense		(0.6)			(0.6)			(0.6)			(0.4)					(0.5)
	Effect of amortization of intangibles		(1.2)			(0.9)			(1.0)			(1.0)					(1.0)
Efficiency ratio - reported			59.2			59.2			58.5			55.6					58.7
Fee income ratio - GAAP			39.7	%		43.0	%		42.5	%		42.7		%			40.7		%
	Effect of securities gains (losses), net		―			―			―			―					0.1
	Effect of loss on sale of American Coastal		―			0.6			―			―					―
	Effect of FDIC loss share accounting		2.4			2.7			3.3			3.5					3.5
Fee income ratio - reported			42.1			46.3			45.8			46.2					44.3
												Year-to-Date Sept. 30
												2015					2014
Efficiency ratio - GAAP												64.9		%			63.9		%
	Effect of merger-related and restructuring charges, net											(1.6)					(0.4)
	Effect of mortgage loan indemnification reserves											―					(0.5)
	Effect of loss on sale of American Coastal											(0.2)					―
	Effect of loss on early extinguishment of debt											(2.4)					(1.7)
	Effect of FDIC loss share accounting											(0.1)					(0.2)
	Effect of foreclosed property expense											(0.6)					(0.4)
	Effect of FHA-insured mortgage loan reserve adjustment											―					(1.2)
	Effect of amortization of intangibles											(1.0)					(1.1)
Efficiency ratio - reported												59.0					58.4
Fee income ratio - GAAP												41.7		%			40.6		%
	Effect of loss on sale of American Coastal											0.2					―
	Effect of FDIC loss share accounting											2.8					3.6
Fee income ratio - reported												44.7					44.2
			Quarter Ended
		Sept. 30			June 30			March 31			Dec. 31					Sept. 30
Return on Average Tangible Common Shareholders' Equity (2)		2015			2015			2015			2014					2014
Net income available to common shareholders		$	492		$	454		$	488		$		551			$		512
Plus: Amortization of intangibles, net of tax			18			14			13				14					14
Tangible net income available to common shareholders		$	510		$	468		$	501		$		565			$		526
Average common shareholders' equity		$	23,957		$	22,210		$	21,883		$		21,895			$		21,471
Less: Average intangible assets			8,666			7,496			7,366				7,385					7,409
Average tangible common shareholders' equity		$	15,291		$	14,714		$	14,517		$		14,510			$		14,062
Return on average tangible common shareholders' equity			13.23	%		12.76	%		14.00	%			15.45		%			14.83		%
											Year-to-Date Sept. 30,
											2015					2014
Net income available to common shareholders											$		1,434			$		1,432
Plus:
	Amortization of intangibles, net of tax												45					43
Tangible net income available to common shareholders											$		1,479			$		1,475
Average common shareholders' equity											$		22,690			$		21,073
Less:
	Average intangible assets												7,847					7,389
Average tangible common shareholders' equity											$		14,843			$		13,684
Return on average tangible common shareholders' equity													13.32		%			14.41		%
Allowance for loan and lease losses as a percent of loans and leases held for investment, excluding Susquehanna (3)																Sept. 30, 2015
Allowance for loan and lease losses																$		1,458
Total loans and leases held for investment																		135,515
Loans and leases held for investment - Susquehanna																		(12,766)
Loans and leases held for investment, excluding Susquehanna																		122,749
Allowance for loan and lease losses as a percent of total loans and leases held for investment																		1.08		%
Allowance for loan and lease losses as a percent of loans and leases held for investment, excluding Susquehanna																		1.19
(1)	BB&T's management uses these measures in their analysis of the Corporation's performance and believes these measures provide a greater understanding of ongoing operations and enhance comparability of results with prior periods, as well as demonstrating the effects of significant gains and charges.
(2)	BB&T's management believes investors use this measure to evaluate the return on average common shareholders' equity without the impact of intangible assets and their related amortization.
(3)	BB&T's management uses this measure in their analysis of the allowance for loan and lease losses and believes investors may use this measure to evaluate coverage without the dilution of acquired loans that are reflected on the acquisition date balance sheet at fair value.

20