BB&T Corporation operates as a financial holding company that provides various banking and trust services for retail and commercial clients. It operates in six segments: Community Banking, Residential Mortgage Banking, Dealer Financial Services, Specialized Lending, Insurance Services, and Financial Services. The company’s deposit products include noninterest-bearing checking accounts, interest-bearing checking accounts, savings accounts, money market deposit accounts, certificates of deposit, and individual retirement accounts. Its loan products comprise commercial, financial, and agricultural loans; real estate construction and land development loans; real estate mortgage loans; and consumer loans. The company also provides automobile lending, bankcard lending, consumer finance, home equity and mortgage lending, insurance, investment brokerage services, mobile/online banking services, payment solutions, sales finance, small business lending, and wealth management/private banking services to retail customers. In addition, it offers asset management, association, capital markets, institutional trust, international banking, and merchant services; commercial middle market, commercial mortgage, mortgage warehouse, and real estate lending; leasing; insurance premium and commercial finance; supply chain management; and private equity investments to commercial customers. Further, the company provides retail brokerage, equity and debt underwriting, investment advice, corporate finance, and equity research, as well as facilitates the origination, trading, and distribution of fixed-income securities and equity products. As of December 31, 2012, it operated 1,832 branch offices in North Carolina, Virginia, Florida, Georgia, Maryland, South Carolina, Alabama, West Virginia, Kentucky, Tennessee, Texas, Washington D.C, and Indiana. BB&T Corporation was founded in 1872 and is headquartered in Winston-Salem, North Carolina.

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