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SunTrust To Announce Fourth Quarter/Full Year Earnings

ATLANTA -- SunTrust Banks, Inc. (NYSE: STI) announced today that it will release fourth quarter/full- year results prior to the market opening on Wednesday, January 8, 2003.

SunTrust management will host a conference call on January 8 at 9:00 a.m. (Eastern Time) to discuss the earnings results and business trends. Individuals are encouraged to call in beginning at 8:45 a.m. by dialing 1-888-810-5901 (Passcode 4Q02; Leader: Gary Peacock.). Individuals calling from outside the United States should dial 1-630-395-0019 (Passcode 4Q02; Leader: Gary Peacock). A replay of the call will be available beginning the afternoon of January 8 by dialing 1-800-282-5736 (domestic) or 1-402-220-9727 (international).

Alternatively, individuals may listen to the live webcast of the presentation by visiting the SunTrust Web site at The webcast will be hosted under “Investor Relations” located under “About SunTrust” and may also be accessed directly from the SunTrust home page by clicking on the link “4th Qtr. Results and Webcast Links” found at the lower right-hand corner of the page. Beginning January 9, 2003, listeners may access an archived version of the presentation on the “Investor Relations” page. A link to the Investor Relations page is also found in the footer of the SunTrust home page.

SunTrust Banks, Inc., headquartered in Atlanta, Georgia, is one of the nation's largest commercial banking organizations. As of September 30, 2002, SunTrust had total assets of $112.4 billion and total deposits of $73.8 billion. The company operates through an extensive distribution network in Alabama, Florida, Georgia, Maryland, Tennessee, Virginia and the District of Columbia and also serves customers in selected markets nationally. Its primary businesses include deposit, credit, trust and investment services. Through various subsidiaries the company provides credit cards, mortgage banking, insurance, brokerage and capital markets services. SunTrust's Internet address is