Exhibit 99.1

Real Estate Lending Portfolio Credit Quality and Geographic Distribution

Home Equity Portfolio (1)

	As of /For the Period Ended March 31, 2009
Home Equity Loans & Lines	Home Equity Loans			Home Equity Lines
	(Dollars in millions, except average loan size)
Total loans outstanding	$	8,391		$	5,574
Average loan size (in thousands) (2)		48			36
Average credit score		722			759
Percentage of total loans		8.4	%		5.6	%
Percentage that are first mortgages		77.8			25.3
Average loan to value		67.5			66.1
Nonaccrual loans and leases as a percentage of category		1.19			.29
Gross charge-offs as a percentage of category		1.90			1.29

	March 31, 2009
Home Equity Loans and Lines by State	Total Home Equity Loans and Lines Outstanding		Percentage of Total		Nonaccrual as a Percentage of Outstandings		Gross Charge- Offs as a Percentage of Outstandings
	(Dollars in millions)
North Carolina	$	4,843	34.7	%	.88	%	1.22	%
Virginia		3,132	22.4		.33		1.28
South Carolina		1,367	9.8		1.35		1.62
Georgia		1,135	8.1		1.01		2.91
Maryland		843	6.0		.32		1.29
West Virginia		830	6.0		.42		.86
Florida		710	5.1		1.92		5.46
Kentucky		586	4.2		.74		.35
Tennessee		410	2.9		1.71		3.91
Washington, D.C.		89	.6		1.42		3.15
Other		20	.2		.17		—
Total	$	13,965	100.0	%	.83	%	1.66	%

NOTES:	(1)	Home equity portfolio consists of consumer real estate secured loans and is a component of direct retail loans that are originated through the BB&T branching network.
	(2)	Home equity lines without an outstanding balance are excluded from this calculation.