SunTrust 2003 Annual Report Download - page 96

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94 SunTrust Banks, Inc. Annual Report 2003
2003 FORM 10-K continued
DOCUMENTS INCORPORATED BY REFERENCE
Part III information is incorporated herein by reference, pursuant to Instruction G of Form 10-K, from SunTrust’s Proxy Statement for its
2004 Annual Shareholders’ Meeting, which will be filed with the Commission by March 8, 2004. Certain Part I and Part II information
required by Form 10-K is incorporated by reference from the SunTrust Annual Report to Shareholders as indicated below. Except for
parts of the SunTrust Annual Report to Shareholders expressly incorporated herein by reference, this Annual Report is not to be
deemed filed with the Securities and Exchange Commission.
Part I Page
Item 1 Business 2–53, inside back cover
Item 2 Properties 53
Item 3 Legal Proceedings 53
Item 4 Not Applicable
Part II
Item 5 Market for the Registrant’s
Common Equity and Related
Stockholder Matters 14, 45, inside front cover,
inside back cover
Item 6 Selected Financial Data 14
Item 7 Management’s Discussion and
Analysis of Financial Condition
and Results of Operations 2–53
Item 7A Quantitative and Qualitative
Disclosures about Market Risk 41–44
Item 8 Financial Statements and
Supplementary Data 45–50, 54–92
Item 9 Not Applicable
Item 9A Controls and Procedures 53
Part III
Item 10 Directors and Executive
Officers of the Registrant Proxy Statement
Item 11 Executive Compensation Proxy Statement
Item 12 Security Ownership of
Certain Beneficial Owners
and Management Proxy Statement
Item 13 Certain Relationships and
Related Transactions Proxy Statement
Item 14 Principal Accountant
Fees and Services Proxy Statement
Part IV
Item 15 Exhibits, Financial Statement
Schedules and Reports
on Form 8-K 95
Certain statistical data required by the Securities and Exchange Commission are included on pages 14–50.