BB&T 2012 Annual Report Download - page 27

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Term Definition
MRLCC Market Risk, Liquidity and Capital Committee
MSR Mortgage servicing right
MSRB Municipal Securities Rulemaking Board
NIM
N
et interest margin
NPA
N
onperforming asse
t
NPL
N
onperforming loan
NPR
N
otice of P
r
oposed Rulemaking
NYSE
N
YSE Euronext, Inc.
OAS Option adjusted spread
OCC Office of the Comptroller of the Currency
OCI Other comprehensive income (loss)
Omnibus Plan 1995 Omnibus Stock Incentive Plan
OREO Other real estate owned
OTS Office of Thrift Supervision
OTTI Other-than-temporary impairment
Parent Company BB&T Corporation, the parent company of Branch Bank and other subsidiaries
Patriot Act Uniting and Strengthening America by Providing Appropriate Tools Required to Intercept and
Obstruct Terrorism Act of 2001
Peer Group Financial holding companies included in the industry peer group index
Reform Act Federal Deposit Insurance Reform Act of 2005
RMBS Residential Mortgage-Backed Securities
RMO Risk Management Organization
RSU Restricted stock unit
RUFC Reserve for unfunded lending commitments
S&P Standard & Poor's
SBIC Small Business Investment Company
SCAP Supervisory Capital Assessment Program
SEC Securities and Exchange Commission
Simulation Interest Sensitivity Simulation Analysis
TBA To be announced
TDR Troubled debt restructuring
U.S. United States of America
U.S. Treasury United States Department of the Treasury
VA U.S. Department of Veterans Affairs
VaR Value-at-risk
VIE Variable interest entity
Forward-Looking Statements
This Annual Report on Form 10-K contains “forward-looking statements” within the meaning of the Private Securities
Litigation Reform Act of 1995, regarding the financial condition, results of operations, business plans and the future
performance of BB&T that are based on the beliefs and assumptions of the management of BB&T and the information
available to management at the time that these disclosures were prepared. Words such as “anticipates,” “believes,”
“estimates,” “expects,” “forecasts,” “intends,” “plans,” “projects,” “may,” “will,” “should,” “could,” and other similar
expressions are intended to identify these forward-looking statements. Such statements are subject to factors that could cause
actual results to differ materially from anticipated results. Such factors include, but are not limited to, the following:
 general economic or business conditions, either nationally or regionally, may be less favorable than expected, resulting
in, among other things, a deterioration in credit quality and/or a reduced demand for credit or other services;
 disruptions to the credit and financial markets, either nationally or globally, including the impact of a downgrade of U.S.
government obligations by one of the credit ratings agencies and the adverse effects of the ongoing sovereign debt crisis
in Europe;
 changes in the interest rate environment and cash flow reassessments may reduce NIM and/or the volumes and values of
loans made or held as well as the value of other financial assets held;
 competitive pressures among depository and other financial institutions may increase significantly;