Honesty and transparency are key. Unfortunately, they are best judged in retrospect. In BBT's favor is that historically their honesty appears to be upheld. Their claims of "No problems" proved substantially true while other banks' similar claims proved to be lies. I suspect that they clung to their conservative loan bias in all arenas and that bad loans will be identified but not at the rate that other banks will suffer.
For me the big question is less about what BBT has done but what it will do. Can BBT continue to make money at a pace sufficient to maintain or grow the dividend over the nest 18 - 24 months?