ovides corporate insurance premium financing solutions. Commercial Real Estate provides a range of financial solutions for commercial real estate developers, owners, and investors, including construction, mini-perm, and permanent real estate financing, as well as tailored financing and equity investment solutions through STRH. The Institutional Real Estate team targets relationships with institutional advisors, private funds, and insurance companies and the Regional team focuses on real estate owners and developers through a regional delivery structure. Commercial Real Estate also offers tailored financing and equity investment solutions for community development and affordable housing projects through SunTrust Community Capital, LLC, with particular expertise in Low Income Housing Tax Credits and New Market Tax Credits. Treasury & Payment Solutions provides all the company’s business clients with services required to manage their payments and receipts, combined with the ability to manage and optimize their deposits across all aspects of their business. Treasury & Payment Solutions operates all electronic and paper payment types, including card, wire transfer, automated clearing house, check, and cash. It also provides clients the means to manage their accounts electronically online, both domestically and internationally. Mortgage Banking This segment offers residential mortgage products nationally through its retail and correspondent channels, as well as through the Internet (www.suntrust.com) and by telephone (1-800-SUNTRUST). These products are either sold in the secondary market, primarily with servicing rights retained, or held in the company’s loan portfolio. This segment also services loans for itself and for other investors. Loans The company’s loan portfolio consists of three loan segments: Commercial, Residential, and Consumer. Commercial Loans C&I (commercial and industrial) loans include loans to fund business operations or activities, loans secured by owner-occupied properties, corporate credit cards, and other wholesale lending activities. Commercial loans secured by owner-occupied properties are classified as C&I loans because the primary source of loan repayment for these properties is business income and not real estate operations. Commercial real estate and commercial construction loans include investor loans where repayment is primarily dependent upon the operation, refinance, or sale of the underlying real estate. Residential Loans Residential mortgages, both government-guaranteed and nonguaranteed, consist of loans secured by 1-4 family homes, mostly prime, first-lien loans. Residential home equity products consist of equity lines of credit and closed-end equity loans that might be in either a first lien or junior lien position. Residential construction loans include owner-occupied residential lot loans and construction-to-perm loans. Consumer Loans Consumer loans include government-guaranteed student loans, other direct loans (consisting primarily of direct auto loans, loans secured by negotiable collateral, unsecured loans, and private student loans), indirect loans (consisting of loans secured by automobiles, boats, and recreational vehicles), and consumer credit cards. Deposits As of December 31, 2015, the company’s deposits included noninterest-bearing deposits; and interest-bearing deposits, such as negotiable order of withdrawal accounts, money market accounts, savings accounts, consumer time deposits, other time deposits, brokered time deposits, and foreign deposits. Investment Securities As of December 31, 2015, the company’s securities portfolio included United States Department of the Treasury securities; federal agency securities; U.S. states and political subdivisions; mortgage-backed securities – agency; mortgage-backed securities – private; asset-backed securities; corporate and other debt securities; and other equity securities. Regulation and Supervision The Federal Reserve regulates bank holding companies under the Bank Holding Company Act of 1956 as umbrella supervisor, with residual supervisory authority over ‘functionally regul
suntrust banks inc
(STI:New York Consolidated)
303 Peachtree Street, N.E.
Atlanta, GA 30308
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