BB&T’s Community Banking Concept For more than 15 years, BB&T has grown tremendously while keeping its hometown appeal. This is due in large part to its highly successful community banking approach, under which 95% of key banking decisions are made locally either at the city or the regional level. By dividing the Carolinas, Virginia, Georgia, West Virginia, Kentucky, Maryland, Tennessee, Florida, Alabama, Indiana and Washington, D.C., into 33 regions, each with its own president, BB&T operates on a more personal level with individual and business clients. In essence, each region operates like a smaller community bank and its regional community president acts much like the chairman of that bank. This provides BB&T clients all the advantages of a major financial institution as well as the kind of specialized attention they expect from a hometown bank. BB&T offers a complete range of banking services, but its community banking philosophy sets it apart from banks of comparable size.
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