BB&T Corporation operates as a holding company for Branch Banking and Trust Company that provides commercial banking and trust services for small and mid-size businesses, public agencies, local governments, and individuals in the United States. It accepts various deposit products, including non-interest-bearing and interest-bearing checking accounts, savings accounts, money rate savings accounts, investor deposit accounts, certificates of deposit, time deposits, and individual retirement accounts. The bank’s loan portfolio includes commercial loans, financial and agricultural loans, real estate construction and land development loans, real estate mortgage loans, small business loans, home equity loans and lines of credit, and installment loans. As of June 30, 2007, the bank operated 1,507 banking offices in Carolinas, Virginia, West Virginia, Kentucky, Georgia, Maryland, Tennessee, Florida, Alabama, Indiana, and Washington, D.C. BB&T Corporation, through its other subsidiaries, offers sales finance, equipment finance and leasing, home and commercial mortgage lending, asset management, retail and wholesale agency insurance, institutional trust services, investment banking and brokerage, wealth management/private banking, consumer and corporate finance, capital markets services, treasury services, venture capital, bankcard and merchant services, insurance premium finance, and payroll processing services, as well as retail gift certificates and gift cards. The company was founded in 1906 and is headquartered in Winston-Salem, North Carolina.
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