What is the main purpose of this 8-K filing?

The main purpose of this 8-K filing is to disclose the presentations made by BB&T's Executive Management team at their Investor and Analyst Day on February 11, 2009. These presentations provide insights into the company's financial condition, business operations, and outlook.

What are the risks associated with the forward-looking statements in the presentations?

The forward-looking statements are subject to various risks and uncertainties, including but not limited to: unfavorable national or regional economic conditions, changes in interest rates, increased competitive pressures, legislative or regulatory changes, adverse securities market changes, potential difficulties in integrating past mergers, and lower-than-expected cost savings or higher-than-expected customer attrition post-merger.

What are non-GAAP measures, and why is BB&T using them?

Non-GAAP measures are financial metrics that are not prepared in accordance with Generally Accepted Accounting Principles (GAAP). BB&T's management uses these measures to provide supplemental information that they believe is important for understanding the operating results of the company's core businesses, by excluding items such as merger and integration costs, amortization of intangibles, and other unusual or non-recurring gains or losses.

Where can investors find the reconciliation of non-GAAP measures to GAAP?

A reconciliation of the non-GAAP measures to the most directly comparable GAAP measures is included on the Investor Relations section of BB&T's website (www.bbt.com/investor) and is also provided as Exhibit 99.7 to this filing.

TRUIST FINANCIAL CORP 8-K: Regulation FD

Summary

This Form 8-K filed by BB&T Corporation on February 11, 2009, serves as a disclosure of presentations made at their Investor and Analyst Day. The core purpose of the filing is to share management's insights and outlook on the company's financial condition and business operations. Investors should note that these presentations contain forward-looking statements which are subject to various risks and uncertainties inherent in the financial services industry and the broader economic environment of early 2009. The company explicitly outlines potential factors that could cause actual results to differ from these projections, including economic downturns, interest rate fluctuations, competitive pressures, and integration challenges from past mergers. Significantly, the filing emphasizes that the presentations include non-GAAP financial measures. BB&T's management utilizes these measures to provide a clearer view of core business performance by excluding the impact of merger-related charges, integration costs, and amortization of intangibles. While management believes these non-GAAP figures offer valuable supplemental information for understanding operational results, investors are reminded that they are not a substitute for GAAP-based reporting and may not be directly comparable to measures presented by other companies. A reconciliation of these non-GAAP measures to their GAAP equivalents is available on BB&T's investor relations website.

Key Highlights

1BB&T Corporation held an Investor and Analyst Day on February 11, 2009, to present its financial condition and business outlook.
2The filing includes forward-looking statements that detail potential risks and uncertainties impacting future financial performance.
3Key risks identified include unfavorable economic conditions, interest rate volatility, increased competition, and regulatory changes.
4The presentations also address challenges and potential outcomes related to the integration of past mergers.
5A significant portion of the presented financial information utilizes non-GAAP measures.
6BB&T management uses non-GAAP measures to highlight core business performance, excluding items like merger/integration costs and amortization.
7Reconciliations for non-GAAP measures to GAAP are available on BB&T's investor relations website.

TRUIST FINANCIAL CORP 8-K Report, Regulation FD Disclosure (Feb 11, 2009)

Summary

Key Highlights

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