I was a bank mgr there for years, and I'd say they will be able to avoid writing off many loans.. (lower than industry avg for sure) The bank really watched the commercial portfolio very carefully, and did everything they could to keep loans that were under capitalized from being booked. They made sure they got detailed financials on each person involved in the loan. That may seem like a no-brainer, but full financial disclosure does not happen that often at other banks. Lenders, if allowed, don't do their due dilligence, and will "leave out" the damaging information, to make their deal. On the consumer side, the system they have in place is a good one. The branches worked their bad loans, and all levels of mgmt were involved.I worked at other banks, but BBT was by far the best!!!