BB&T 2012 Annual Report Download - page 12

Download and view the complete annual report

Please find page 12 of the 2012 BB&T annual report below. You can navigate through the pages in the report by either clicking on the pages listed below, or by using the keyword search tool below to find specific information within the annual report.

Page out of 176

  • 1
  • 2
  • 3
  • 4
  • 5
  • 6
  • 7
  • 8
  • 9
  • 10
  • 11
  • 12
  • 13
  • 14
  • 15
  • 16
  • 17
  • 18
  • 19
  • 20
  • 21
  • 22
  • 23
  • 24
  • 25
  • 26
  • 27
  • 28
  • 29
  • 30
  • 31
  • 32
  • 33
  • 34
  • 35
  • 36
  • 37
  • 38
  • 39
  • 40
  • 41
  • 42
  • 43
  • 44
  • 45
  • 46
  • 47
  • 48
  • 49
  • 50
  • 51
  • 52
  • 53
  • 54
  • 55
  • 56
  • 57
  • 58
  • 59
  • 60
  • 61
  • 62
  • 63
  • 64
  • 65
  • 66
  • 67
  • 68
  • 69
  • 70
  • 71
  • 72
  • 73
  • 74
  • 75
  • 76
  • 77
  • 78
  • 79
  • 80
  • 81
  • 82
  • 83
  • 84
  • 85
  • 86
  • 87
  • 88
  • 89
  • 90
  • 91
  • 92
  • 93
  • 94
  • 95
  • 96
  • 97
  • 98
  • 99
  • 100
  • 101
  • 102
  • 103
  • 104
  • 105
  • 106
  • 107
  • 108
  • 109
  • 110
  • 111
  • 112
  • 113
  • 114
  • 115
  • 116
  • 117
  • 118
  • 119
  • 120
  • 121
  • 122
  • 123
  • 124
  • 125
  • 126
  • 127
  • 128
  • 129
  • 130
  • 131
  • 132
  • 133
  • 134
  • 135
  • 136
  • 137
  • 138
  • 139
  • 140
  • 141
  • 142
  • 143
  • 144
  • 145
  • 146
  • 147
  • 148
  • 149
  • 150
  • 151
  • 152
  • 153
  • 154
  • 155
  • 156
  • 157
  • 158
  • 159
  • 160
  • 161
  • 162
  • 163
  • 164
  • 165
  • 166
  • 167
  • 168
  • 169
  • 170
  • 171
  • 172
  • 173
  • 174
  • 175
  • 176

“Treat your clients with respect, help them manage their finances,
and they will be loyal for life.”
ADVICE GIVEN TO BB&T MULTICULTURAL MARKETS MANAGER LUIS LOBO
BY HIS FATHER, AN IMMIGRANT FROM COSTA RICA
BB&T’s multicultural markets are a striking example of understanding and meeting the needs of our clients. In a reflection of the burgeoning growth of
the Latino, African-American and Asian-American populations – now one-third of the U.S. population – in 2012 we increased our multicultural financial
centers by 35%, to 350. Our associates are culturally conversant, but language is just the beginning. Treating people with respect is an underlying tenet,
which often means meeting our clients where they are – in their churches, community centers and workplaces. With Latinos making up the fastest-
growing multicultural segment, our 350 financial centers are branded “Vecino” (“neighbor” in Spanish) and complemented by a Spanish-language
website (es.BBT.com). Special features include multilingual financial literacy videos and a banking product for clients who regularly send money
to family members abroad. Every client is different. For example, many of our young Latino clients born in the U.S. prefer to speak English and are
among the biggest consumers of online services. Like the nation’s shifting demographics, our multicultural program is constantly evolving.
Left to right: Frank Ramirez, Vice President, Financial Center Leader, BB&T; Fiorella Schmidt, Assistant Vice President, Financial Center Leader, BB&T; Margarita Gil
García, Financial Center Leader, BB&T; Carmela Capistran, Assistant Vice President, Financial Center Leader, BB&T
ASSOCIATES