BB&T 2013 Annual Report Download - page 5

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5
Term Definition
LHFS Loans held for sale
LIBOR London Interbank Offered Rate
LOB Line of business
MBS Mortgage-backed securities
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
otice of Proposed Rulemaking
NYSE
N
YSE Euronext, Inc.
OAS Option adjusted spread
OCC Office of the Comptroller of the Currency
OCI Other comprehensive income (loss)
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
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
Short-Term
Borrowings
Federal funds purchased, securities sold under repurchase agreements and other short-term
borrowed funds with original maturities of less than one year
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
UPB Unpaid principal balance
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, insurance or
other services;